HomeMy WebLinkAbout08-2708h
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff No: d$ - all le+rw
vs.
COMPLAINT IN CIVIL ACTION
KATIE BURD
AKA KATHRYN L DOBBECK
AKA KATHRYN L BURD
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
06436190 C N Pit ABR
IN THE'COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
VS. Civil Action No
KATIE BURD
AKA KATHRYN L DOBBECK
AKA KATHRYN L BURD
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
0
COMPLAINT
1. Plaintiff, CAPITAL ONE BANK (USA),NA 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:
KATIE BURD
1198 SHOREHAM RD
CAMP HILL, PA 17011
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXXXXXX1020
4. Defendant made use of said credit card and has a current balance
due of $1211.54 , as of March 25, 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
25.900 per annum on the unpaid balance from March 25, 2008 . A copy
of Plaintiff's STATEMENT OF ACCO UNT is attached hereto, marked as
Exhibit "1" and made a part hereof.
7. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the balance due to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant , KATIE BURD , INDIVIDUALLY , in the amount of
$1211.54 with continuing interest thereon at the rate of 25.900% per
annum from March 25, 2008 plus costs.
James C WWa rodt,42524
WELT EI BERG & REIS CO., L.P.A.
venue, Suite 1400
436 Se /g
Pitts A 15219
(12) 45
FAX: 417130
064 619 Pit ABR
This law firm is a debt collector atte p ing to collect this debt for
our client and any information obtain will be used for that purpose.
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VERIFICATION
CAPITAL ONE BANK (USA), N.A., successor-in-interest to Capital One Bank
vs
BURR, KATIE
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unswom
falsification to authorities, that he/she is, TRACY TAYLOR, Authorized Agent, of CAPITAL ONE BANK (USA),
N.A., successor-in-interest to 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.
TRACY YLOR
Nota
5178052434221020
A049
WELTMAN, WEINBERG & REIS CO., L.P.A.
MY culvuv , ?? ?? _: N,"iV 4, 2011
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SHERIFF'S RETURN - REGULAR
CASE NO: 2008-02708 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CAPITAL ONEIBANK USA N A
VS
BURD KATIE $T AL
STEPHEN BENDER , Sheriff or Deputy Sheriff of
Cumberland ounty,Pennsylvania, who being duly sworn according to law,
says, the w thin COMPLAINT & NOTICE was served upon
BURD KATIE KA KATHRYN DOBBECK AKA KATHRYN L BURD the
DEFENDANT
at 1198 SH
CAMP HILL,
KATIE BURD
, at 1245:00 HOURS, on the 30th day of April , 2008
RD
17011
by handing to
a true and a?ttested copy of COMPLAINT & NOTICE together with
and at the some time directing Her attention to the contents thereof.
Sheriff's Co
Docketing
Service
Affidavit
Surcharge
5161
ts.
18.00
15.00
.00
10.00
.00
P ? 43.00
Sworn and Sub cibed to
before me thi day
of ,
So Answers:
f
R. Thomas Kline
05/01/2008
WELTMAN WEINBERG REIS
By.
X/Y-
Dej:futy Sheriff
A. D.
{
Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
CAPITAL ONE BANK (USA), NA IN THE COURT OF COMMON PLEAS
Plaintiffs CUMBERLAND COUNTY, PENNSYLVANIA
V.
CIVIL ACTION -LAW
KATIE BURD NO. 08 - 2708
AKA KATHRYN L. DOBBECK
AKA KATHRYN L. BURD,
Defendant
ANSWER
1. Admitted.
2. Admitted.
3. Admitted.
4. Admitted in part. Denied in part. It is admitted that Defendant used the credit card.
Defendant is unaware of how much she actually charged on the card. Defendant has
no knowledge concerning the March 25, 2008 balance. Defendant denies that the
claimed current balance represents the actual charges through her use. The balance
includes significant fees and costs which Defendant did not authorize or expect to be
charged. To the best of Defendant's knowledge, there was no agreement concerning
the imposition of such fees and costs.
5. Admitted in part. Denied in part. It is admitted that Defendant has failed to make the
monthly payments. It is denied that the entire balance should be immediately due and
payable.
It.
6. Admitted in part. Denied in part. Defendant admits money is due. Defendant denies
any other fees or costs are due and disputes the legal interest rate charged.
7. Denied. It is denied Defendant willfully failed to pay. Defendant contacted the
helpline of Capital One. A request to freeze the account for three months was made.
It is asserted that efforts to work with Plaintiff have proven unsuccessful.
Dated: June 2008
Barbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
Supreme Court I.D. 32317
Attorney for Defendant
Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
CAPITAL ONE BANK (USA), NA IN THE COURT OF COMMON PLEAS
Plaintiffs CUMBERLAND COUNTY, PENNSYLVANIA
V.
KATIE BURD
AKA KATHRYN L. DOBBECK
AKA KATHRYN L. BURR,
Defendant
CIVIL ACTION -LAW
NO. 08 - 2708
VERIFICATION
I, Katie Burd, a/k/a Kathryn L. Dobbeck, a/k/a Kathryn L. Burd, hereby certify that
the facts set forth in the foregoing ANSWER are true and correct to the best of my knowledge,
information and belief. I understand that any false statements made herein are subject to
penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities.
Dated: C a 5 2008
KATIE BURD
a/k/a KATHRYN L. DOBBECK
a/k/a KATHRYN L. BURD
Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
CAPITAL ONE BANK (USA), NA IN THE COURT OF COMMON PLEAS
Plaintiffs CUMBERLAND COUNTY, PENNSYLVANIA
V.
: CIVIL ACTION -LAW
KATIE BURD NO. 08 - 2708
AKA KATHRYN L. DOBBECK
AKA KATHRYN L. BURD,
Defendant
CERTIFICATE OF SERVICE
I, BARBARA SUMPLE-SULLIVAN, ESQUIRE, do hereby certify that on this date, I
served a copy of the foregoing ANSWER, in the above-captioned matter upon the following
individual by first class mail, postage prepaid, addressed as follows:
James C. Warmbrodt, Esquire
Weltman, Weinberg & Reis Co. . A
436 Seventh Avenue, Sui 1400
Pittsburgh, PA 1 19
DATED: June Z C,2008
Barbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland, PA 17070-1931
(717) 774-1445
Supreme Court I.D. No. 32317
Attorney for Defendant
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Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
CAPITAL ONE BANK (USA), NA : IN THE COURT OF COMMON PLEAS
Plaintiffs : CUMBERLAND COUNTY, PENNSYLVANIA
V.
KATIE BURD
AKA KATHRYN L. DOBBECK
AKA KATHRYN L. BURD,
Defendant
1. Admitted.
2. Admitted.
3. Admitted.
CIVIL ACTION -LAW
NO. 08 - 2708
ANSWER
4. Admitted in part. Denied in part. It is admitted that Defendant used the credit card.
Defendant is unaware of how much she actually charged on the card. Defendant has
no knowledge concerning the March 25, 2008 balance. Defendant denies that the
claimed current balance represents the actual charges through her use. The balance
includes significant fees and costs which Defendant did not authorize or expect to be
charged. To the best of Defendant's knowledge, there was no agreement concerning
the imposition of such fees and costs.
5. Admitted in part. Denied in part. It is admitted that Defendant has failed to make the
monthly payments. It is denied that the entire balance should be immediately due and
payable.
6. Admitted in part. Denied in part. Defendant admits money is due. Defendant denies
any other fees or costs are due and disputes the legal interest rate charged.
7. Denied. It is denied Defendant willfully failed to pay. Defendant contacted the
helpline of Capital One. A request to freeze the account for three months was made.
It is asserted that efforts to work with Plaintiff have proven unsuccessful.
Dated: June A, 2008
Barbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
Supreme Court I.D. 32317
Attorney for Defendant
Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
CAPITAL ONE BANK (USA), NA IN THE COURT OF COMMON PLEAS
Plaintiffs CUMBERLAND COUNTY, PENNSYLVANIA
V.
KATIE BURD
AKA KATHRYN L. DOBBECK
AKA KATHRYN L. BURR,
Defendant
CIVIL ACTION -LAW
NO. 08 - 2708
VERIFICATION
I, Katie Burd, a/k/a Kathryn L. Dobbeck, a/k/a Kathryn L. Burd, hereby certify that
the facts set forth in the foregoing ANSWER are true and correct to the best of my knowledge,
information and belief. I understand that any false statements made herein are subject to
penalties of 18 Pa. C.S.A. Section 4904 relating to unworn falsification to authorities.
Dated: C /.25 2008
KATIE BURD
a/k/a KATHRYN L. DOBBECK
a/k/a KATHRYN L. BURD
Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
CAPITAL ONE BANK (USA), NA : IN THE COURT OF COMMON PLEAS
Plaintiffs : CUMBERLAND COUNTY, PENNSYLVANIA
V.
CIVIL ACTION -LAW
KATIE BURD NO. 08 - 2708
AKA KATHRYN L. DOBBECK
AKA KATHRYN L. BURD,
Defendant
CERTIFICATE OF SERVICE
I, BARBARA SUMPLE-SULLIVAN, ESQUIRE, do hereby certify that on this date, I
served a copy of the foregoing ANSWER, in the above-captioned matter upon the following
individual by first class mail, postage prepaid, addressed as follows:
James C. Warmbrodt, Esquire
Weltman, Weinberg & Reis Co..
436 Seventh Avenue, S 1400
Pittsburgh, PA 1 19
DATED: June g2008
Barbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland, PA 17070-1931
(717) 774-1445
Supreme Court I.D. No. 32317
Attorney for Defendant
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PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and submitted in duplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please list the within matter for the next Argument Cart.
CAPTION OF CASE
(entire caption must be stated in full)
41)m1 o(.e (3cu?K(„??)n?A
VS.
Wh n ?-
(Plaintiff)
(Defendant)
No. U civil
1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's
demurrer to complaint, etc.) <S -!?
2. Identify counsel who will ,e0.?Y1? f'1
(a) for plaintiff : We ? , einberg & Reis Co.
Address. 00 Koppers Bidg.
436 7th Avea
Pittsburgh, PA 15219
(b) for defendant: AA"s (412) 434-7955
:
SUJV ?vc.n r l2 scj .
'Stla r? 5? .? J II\\
oV
(i?? nob
t this case has
3. I will notify` al parties in wn t(ing within two days tha
been listed for argument.
4. Argument Court Date:
to fnr' (11
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), NA,
Plaintiff,
VS.
Case No.: 08-2708-CIVIL TERM
MOTION FOR SUMMARY JUDGMENT
KATIE BURD
AKA KATHRYN L DOBBECK
AKA KATHRYN L BURD,
Defendant.
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Benjamin R. Bibler,Esquire
PA ID# 93598
Weltman,Weinberg & Reis CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
WWR No. 6436190
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), NA,
Plaintiff,
VS.
Case No.: 08-2708-CIVIL TERM
MOTION FOR SUMMARY JUDGMENT
KATIE BURD
AKA KATHRYN L DOBBECK
AKA KATHRYN L BURD,
Defendant.
MOTION FOR SUMMARY JUDGMENT
AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co.,
L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof,
Plaintiff avers as follows:
1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of
$1211.54 with interest at the interest rate of 25.900% per annum from March 25, 2008, and costs. A true
and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof.
2. Attached to the Complaint was Verification from an authorized representative of Plaintiff
verifying the accuracy of the amount sought. See Exhibit "A".
3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the
Answer is attached hereto as Exhibit "B" and made a part hereof.
4. On or around September 15, 2008, Plaintiff served upon Defendant a set of requests for
admissions and requests for production of documents. A true and correct copy of the same is attached
hereto as Exhibit "C" and made a part hereof.
5. No response to the discovery demands has been received from the Defendant.
6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil
Procedure 4014(b). Thus Defendant has admitted that she has made no payment on the credit card since
WWR No. 6436190
March 14, 2006; that she applied for the credit card; that the statements attached to Plaintiffs Discovery
Request correctly identify the payments, charges, and balances on the account; that she has not submitted
any written disputes as to billing inaccuracies; and that $1211.54 is a correct and accurate balance on the
credit card account.
7. By way of her Answer, the documents attached to this Motion, and the Requests for
Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to
this matter and verified the amount owed.
8. There are no meritorious defenses against this action and Plaintiff is entitled to
summary judgment as a matter of Law against defendant.
WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary
judgment in favor of Plaintiff and against Defendant for $1211.54 with interest at the legal
interest rate of 25.900% per annum from March 25, 2008, and costs.
Respectfully Submitted:
By:
Benj iPA ID#
Weltin Weinberg & Reis CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
WWR No. 6436190
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
VS.
KATIE BURD
AKA KATHRYN L DOBBECK
AKA KATHRYN L BURD
Defendant
No:
COMPLAINT IN CIVIL ACTION
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
06436190 C N Pit ABR
I1
A
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
VS. Civil Action No
KATIE BURD
AKA KATHRYN L DOBBECK
AKA KATHRYN L BURD
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CAPITAL ONE BANK (USA),NA 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:
KATIE BURD
1198 SHOREHAM RD
CAMP HILL, PA 17011
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXXXXXX1020 .
4. Defendant made use of said credit card and has a current balance
due of $1211.54 , as of March 25, 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
25.9000 per annum on the unpaid balance from March 25, 2008 . A copy
of Plaintiff's STATEMENT OF ACCO UNT is attached hereto, marked as
Exhibit 111" 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 , KATIE BURD , INDIVIDUALLY , in the amount of
$1211.54 with continuing interest thereon at the rate of 25.9000 per
annum from March 25, 2008 plus costs.
WEL ERG & REIS CO., L.P.A.
JamV434- rodt,42524
436 enue, Suite 1400
Pit15219
(41FAX130
064 it ABR
This law firm is a debt collector atte p ing to collect this debt for
our client and any information obtain will be used for that purpose.
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VERIFICATION
CAPITAL ONE BANK (USA), N.A., successor-in-interest to Capital One Bank
vs
BURR, KATIE
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn
falsification to authorities, that he/she is, TRACY TAYLOR, Authorized Agent, of CAPITAL ONE BANK (USA),
N.A., successor-in-interest to 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.
f
TRACY TAYLOR
Not
5178052434221020
A049
WELTMAN, WEINBERG & REIS CO., L.P.A.
Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
CAPITAL ONE BANK (USA), NA IN THE COURT OF COMMON PLEAS
Plaintiffs CUMBERLAND COUNTY, PENNSYLVANIA
V.
KATIE BURD
AKA KATHRYN L. DOBBECK
AKA KATHRYN L. BURR,
Defendant
I. Admitted.
2. Admitted.
3. Admitted.
CIVIL ACTION - LAW
NO. 08 - 2708
ANSWER
4. Admitted in part. Denied in part. It is admitted that Defendant used the credit card.
Defendant is unaware of how much she actually charged on the card. Defendant has
no knowledge concerning the March 25, 2008 balance. Defendant denies that the
claimed current balance represents the actual charges through her use. The balance
includes significant fees and costs which Defendant did not authorize or expect to be
charged. To the best of Defendant's knowledge, there was no agreement concerning
the imposition of such fees and costs.
5. Admitted in part. Denied in part. It is admitted that Defendant has failed to make the
monthly payments. It is denied that the entire balance should be immediately due and
payable. EMBIT
?,v13 b 1 ??
6. Admitted in part. Denied in part. Defendant admits money is due. Defendant denies
any other fees or costs are due and disputes the legal interest rate charged.
7. Denied. It is denied Defendant willfully failed to pay. Defendant contacted the
helpline of Capital One. A request to freeze the account for three months was made.
It is asserted that efforts to work with Plaintiff have proven unsuccessful.
Dated: June 2008
Barbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
Supreme Court I.D. 32317
Attorney for Defendant
Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
CAPITAL ONE BANK (USA), NA IN THE COURT OF COMMON PLEAS
Plaintiffs CUMBERLAND COUNTY, PENNSYLVANIA
KATIE BURD
AKA KATHRYN L. DOBBECK
AKA KATHRYN L. BURR,
Defendant
CIVIL ACTION -LAW
NO. 08 - 2708
VERIFICATION
Burd, a/k/a Kathryn L. Dobbeek, a/k/a Kathryn L. Burd, hereby certify that
forth in the foregoing ANSWER are true and correct to the best of my knowledge,
,. and belief. I understand that any false statements made herein are subject to
Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities.
2008
KATIE BURD
a/k/a KATHRYN L. DOBBECK
a/k/a KATHRYN L. BURD
Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
CAPITAL ONE BANK (USA), NA IN THE COURT OF COMMONTLEAS
Plaintiffs CUMBERLAND COUNTY, PENNSYLVANIA
V. CIVIL ACTION -LAW
KATIE BURD NO. 08 - 2708
AKA KATHRYN L. DOBBECK
AKA KATHRYN L. BURD,
Defendant :
CERTIFICATE OF SERVICE
I, BARBARA SUMPLE-SULLIVAN, ESQUIRE, do hereby certify that on this date, I
served a copy of the foregoing ANSWER, in the above-captioned matter upon the following
individual by first class mail, postage prepaid, addressed as follows:
James C. Warmbrodt, Esquire
Weltman, Weinberg & Reis Co.
436 Seventh Avenue, Su' 1400
Pittsburgh, PA 1 19
DATED: June 2_ , 2008
Barbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland, PA 17070-1931
(717) 774-1445
Supreme Court I.D. No. 32317
Attorney for Defendant
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION
CAPITAL ONE BANK (USA), NA,
Plaintiff,
V.
NO.: 08-2708-CIVIL TERM
KATIE BURD
AKA KATHRYN L DOBBECK
AKA KATHRYN L BURD
Defendant.
PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR
PRODUCTION OF DOCUMENTS
Plaintiff demands that the defendants answer and respond to the following Request for
Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure
within 30 days from the date of service hereof.
Plaintiff also demands that defendants answer and respond to the following Request for
Admissions pursuant to Pa. Rules of Civil Procedure 4014.
You are requested to admit the truth of each of the statements of fact hereinafter stated. You are
instructed that:
I. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et
seq., and each of these matters of which an admission is requested shall be deemed admitted
unless your sworn statement in compliance with such Rules is timely made.
2. If you do not admit each of such statements, you must specifically deny each one
not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each
such matter.
3. Your answer, signed and properly verified, must be delivered to the undersigned
attorney of record for the Plaintiff within thirty (30) days after delivery hereof.
4. If you fail or refuse to admit the truth of any such statement of fact and the
Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses
incurred in making such proof, including attorneys' fees, witness expenses, etc.
5. If, in response to any of the following statements of fact, it is your position that
the statement is true in part or as to some items, but not true in full or as to all items, then answer
separately as to each part or item.
6. If you have been sued in more than one capacity or if your answers would be
different if answered in any different capacity, such as partner, agent, corporate officer or director
or the like, then you are requested to answer separately in each such capacity. Failure to do so
constitutes an admission in any such capacity.
7. In these Requests for Admissions:
A. The word " rson s " means all entities, and, without limiting the
generality of the foregoing, includes natural persons, joint owners, associations, companies,
partnerships, joint ventures, trusts, and estates;
B. The word "document(s)" means all written, printed, recorded, graphic, or
photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any
manner to the subject matter indicated;
C. The words "identity", "identify". "identification", when used with
respect to a erson s means to state the full name and present or last known address and business
address of such person(s) and, if an actual person, his present or last known job title, and the
name and address of his present or last known employers;
D. The words "identity", "identify" "identification" when used with respect
to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise
participated in the creation of the same, the name(s) of the addressee or addressees if any and the
name(s) and address(es) of each person who have possession, custody, and control of said
document s). If any such document was, but is no longer in your possession, custody, or control,
or in existence, state the date and manner of its disposition; and
E. The word "identify", when used with respect to an act (including an
alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means
to (1) describe the substance of the event or events constituting such an act, and to state the date
when such act occurred; (2) iden ' each and every person(s) participating in such an act; (3)
identify all other erson s (if any) present when such act occurred; (4) state whether any minutes,
notes, memoranda, or other record of such act was made; (5) state whether such record now
exists; and (6) identi the person(s) presently having possession, custody or control of such
record.
8. Unless otherwise indicated, all Requests herein relate to those certain events,
persons, and period of time more fully described in the pleading in this case.
9. These requests are of a continuous nature.
These Requests for Production of Documents shall be deemed continuing so as to require
supplemental answers and documents if any information of documents are acquired subsequent to
the filing of responses hereto, which information or documents would have been included in the
answers and documents produced had it been known or available at the time the answers and the
documents provided pursuant hereto were produced. Defendants shall supply such information
and documents by supplemental answers and production of documents as soon as such
information becomes known or available and in all events, prior to trial of this action.
If objection is made to any requests for production of documents, it is demanded that the
requests for which there is no objection be answered and furnished within the aforesaid period.
All documents identified in response hereto shall be organized and labeled to correspond
with the request to which it pertains. For all documents produced, list the individual and his or
her job title and department from whose files it was produced and the current custodian of said
document.
If a document called for is believed to exist or is known to exist, but is in the possession,
custody or control of another person or party, the existence of the document, the identity of the
possessor, custodian and one in control of such documents shall be provided along with any
applicable common description or citation utilized by the publisher, possessor, custodian or
disseminator of such document.
If any document called for by this request is withheld on the basis of any claim of
privilege or any similar claim, identify that document as follows: author; addressee; indicated or
blind copies, date, subject matter; number of pages; attachments or appendices; all persons to
whom distributed, shown or explained; present custodian; and nature of the privilege or similar
claim asserted.
REQUEST FOR PRODUCTION OF DOCUMENTS 1:
Produce any and all documents evidencing proof of all payments on the subject credit
card referenced in the Complaint, including, but not limited to, cancelled checks, receipts,
coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries,
diaries, charts, lists, phone records, data compilations etc.
REQUEST FOR PRODUCTION OF DOCUMENTS 2:
Produce any and all documents you intend to introduce and/or provide testimony on as
evidence at the time of trial.
REQUEST FOR ADMISSION NO. 1:
Defendant signed the attached credit card application.
Admitted
Denied
If the answer to Request for Admissions No. 2 is "denied", then supply specific written
documentation supporting the denial.
REQUEST FOR ADMISSION NO. 2:
The attached monthly statements, from January 24 2002 through November 23 2006, correctly
identify the payments, charges, and balances on the account.
Admitted
Denied
If the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled
checks, both front and back, and/or if not available, specific written documentation supporting the
denial.
REOUEST FOR ADMISSION NO. 3:
The last payment on the account was made on March 14 2006.
Admitted
Denied
If the answer to Request for Admissions No. 3 is "denied", then supply specific written
documentation supporting the denial.
REQUEST FOR ADMISSION NO. 4:
Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit
card in question.
Admitted
Denied
If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific
written disputes as to any billing inaccuracies.
REQUEST FOR ADMISSION NO. 5:
$1,211.54 is a correct and accurate current balance of the credit card account in question.
Admitted
Denied
If the answer to Request for Admissions No. 5 is "denied", then supply specific written
documentation supporting the denial.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED SHALL BE USED FOR THAT PURPOSE.
Bqhjamin RlBiWe mire-?
PA I.D. #93598
WELTMAN, WEINBERG & REIS
CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-79555
WWR: 6436190
DEFENDANT'S VERIFICATION
I, , (please print) under penalty of perjury and
subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn falsification to
authorities verify that the foregoing Responses are true and correct to the best of my
knowledge, information and belief.
Date
Signature
CERTIFICATE OF SERVICE
A true and correct copy of Plaintiffs First Request for Production of Documents and
Request for Admissions has been served by U.S. Mail, on the 15qil day of
2008, upon the following:
Barbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland Pa 17070
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CaofalCw
Account S
Previous Balance $100
Payments, Credits and Adjustments $.00
Transactions $190.19
Finance Charges $.00
New Balance $190.19
Minimum Amount Due $15.00
Payment Due Date March 23, 2002
Total Credit Line $300
Total Available Credit $109.81
Credit Line for Cash $300
Available Credit for Cash $109.81
At your servioe
To all Cantomer Relations or to report a last or holm ark
1-NO-903-3637
Send payments to:
Attn: Ranittalla Proaasing
Capital one Senior
P.O. Boz 85147
Ridmond, VA 23276
003
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4W r533
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arWCWMUl9PAa1410 $M35
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
JAN 24 - FEB 23, 2002
Page 1 of 1
Payments, Credits and Adjustments
TrAmcdom
1 20 FEB WEIS MARKET #25 SHD CAMP HILL PA
2 21 FEB PUBLIX 0398 eGROC SAl TAMPA FL
3 21M JET ROCK F #2 PHILADELPHIA PA
Finance Cha%q
Bd~rar
40WA,
PURCHASES 8.00
CASH 1.00
ANNUAL PERCENTAGE RATE applied this period
PLEASE RETURN PORTION BELOW WITH PAYMENT.
One'
Send iwµiuel to
Cyital One Seri-
P.O. BOX 85015
Richmond, VA2320-5015
$69.05
60.40
60.74
Pkam.wrevnxJr&firimfortant?in,Ijorm wan
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1000% .00% 1.00
1082% 14.90% NO
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0000000 0 5178052138634189 23 0190190000000015002
New Balance $190.19
Minimum Amount Due $15.00
Payment Due Date March 23, 2002
Total enclosed f
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Capital One Bank
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P.O. Box 85147 °
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Richmond, VA 23276 c
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Street Apt #
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Home Plan Altemte PLoae
#9005594670697240# MAIL ID NUMBER
KATIE KURD
1198 SHOREHAM RD
CAMP HILL PA 17011-6135
IIIIIIII IIII11 III III IIIlI11111111I11 I IIIII 1 I I III il1111111111
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will have a mkarman gwca pedal of
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W Importare Notice for peymasa below,
e be tlsdtd by Your rate, auomner"
a M ro pace period on cash .dvarea
as. In addition, there Y w grace, period
if you do dos pay the total 'New
A-li q Fleon- Orge. Tione-le«s which aro rat
aifsct m a YaO? paAod w amend farce lodge t i
firm tlr dace pefo i?desrsseudrdracdae « 2) flan the data tea
transaction ~ Action . 3) ratio, ft
fires Is days of the to Additionally,
it efid rat prey ter 'New BalaFecs tits prwlous
rsarq pdd k ytan..ares daFpsa amen m et'/'JUra m
tc.
yar uhpdd balsas u d its unpaid be anca N paid In full.
Tits mr an tlrt you may A owe tkeares tlsq)se, wan a
)our pay the antra Nwv Balare khdr?oW an tlr ima of
yea
bsatawlol0 by Ida Irxt atatse" doaYhp cat, hear did
teat or 1st fed to OlaHlelr nrhanalL tAlpaid tYhaFl"a drrros
maul filaAllCE 6r=0 WIBEgM ?i0 50?wYahpep?tYrhcapowd M Me
r.-. WO hrs?060,swe twY he"s6 lar
samce rmm is 40.61) neirloseffl, and the, allowing will be
bid to the pudsr sgtwe of yar arralaa.
t d Terrprry NoiaaWn is FYrw urge. We wrrvs 0.
" m lot fret any or ef nrce choose for any given
PeoplePC is solely responsible for tds offer, and is rat atfifated with Capital One. Could One does not provide, endorse
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and other carNi s.
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osehp Par1ba swedes W ton stetanem, we car tne
bedrwep bdrha of sofa seprnera each day, add any new
useuetloro to each as??m and ubteam any paynhenb
or credit. Of the coda N splicer en thefine of hhtA
statement next is •Balares Rate /A?ppdlid To,• we Rio
aubuat shy upald Anarhoa wryeGdudad in tea bdsm
M eaah taget.l TNS Biwa nt the defy balance of each
numbs of days In the bing foiled This yws us
the
awaya" defy balsas of each sages.
3. Mud ?aesetBa Rras IAFrrI.
a. The term •Annal Pagntge Rat: may We, as
b. It the cede I
Deposit), or
Una statarse
ratan and a
of yaw
s .1h
will be sffecaw m er trot dry of You Nang period
each month
4. Aaaaaanra of aorta Ovstima ad Raband paynsoa Far.
You aceou" will be assessed ro mot thin tae oT M fees
listed hero the ocar d rtp dry Nang pwlo& Under the
terms of vow customer .pens", wan rssarw the Flom is
walw or neat te :saws wry lase wttheu =11
eaton to
aNMlar
without walwkha our Fly" to asaw Ua or
t • liter tkehs.
t'w Yw If
t of of this Id a manbsr you he he
appaaro on Ave ire statse you ew 30
m you to
caw from it. data to he" me, mulch was malted
said paired the In or a to law During tee erodtd m you
if You coined Yaur account. During this Weld, you may
tar"Yre to Z7 aecotl y wftlaut hehAFhp to pay the
cance ohmyi eaarp our Carla er RWdrir ammea
and pay Wu New Balsas' In bA (eaAdrq the
maFnoeFSrp bs) p"« to the ad of Ihe tNnyMy ps"d.
8. NZ q .. Y- Acted. Ya an roqueesl to dose
yar accouN by caakp err (]rtamor It`=
gepanms". You met dseboy yar tsedC cad (s) and
:asst aced dlecka, cancel all pnuuhaizd harp,
ad cane your aaaur". It ya do not trod
presdaAZd aargrnsri, wan wtI earldew
tsos4 of a cheeps year and w2sa. to
reopen your
aa«m. AddtaWly, your account will Fct bs tJOrd
and Yw pay.0 rnatmts you ova us YrJWrp: any
uanretlsr you hew ,melted Anaee Past
due face, owraalt far, refimhd papmst tees, aM
adVahta face rd any car fees assessed to Your
accourc You an Feepasale far tar amens whether
=.== =.=.= to
)ur rum she does e acaun. 12f may moult In
argr apprdng on your scant fiar you hew
yw aaouht If it has drsedy been dosed. For am mple,
if ysu sahorhd a pudass from s reecho n snd we
mcdw the transaction tram the menta ret after your
amue he. been lord, Ya?-c-4 will be reopened,
Ua amain of the cease will be added to you arrant,
end =yoou ?A? be ropaeal I for payar a If there k a
rnor see for your accoua, the nee wA co«ass
to be dossed, m the sass psmitaed by raw, cad the
-mar W7sas has been paid In full a dsnad above.
7. Ueea Yoe A-AA.You cad or accaun carnet loo
used In connotation with any khtemet gen bk*
uausatlo s.
8. rbttse Anse 17ee11noras cheek (kmenal- When you
p
user „ rnaa, you aendze es anw to
electronic had woofer rromnYour to make a be* amount anew
proposes to psyaMa ae a dock transaction, When we
1- kden ation team yar check to make an electronic
turd transfer adds may be w idndrawh from you brit
aaaK as sea. dm to eats day ww leaalw your
'la kstlmdon. .your dheak .6 oft fiamh
BIWNO PAGWM SUMMARY
(fen Case Of Enos d Qewdaa About Yeu Bap
If yat tNdt yhsr 16--an ar"==--
khfomutlm on a bM, .
aepa loa noon a poo6M at tmide- the ter
irhgeldes dea sdavn on to irore of tli rutenorder". We must
hear fats you ro leaser than 80 caw afM we wan you the
Acct to on whits ==, on sppum Yau can
deklp ore wY Ilat
coo seotnnnwwQlaMa! but
Infameram yeur?recall your account mg1w - the following
e clan, the dam
arses of the suspected error, a deselplion of the arrow
aid an separation, N prank, ofWw your befeve there M
an error; «a You nod alas khfamaYsh, a dseaydon of
the love you .ro urn aboem You do not hew its pay any
rnaatt in writs vita aro kwasdosWO h, do you
sro ale ld m pay Us pans of ya+ Nlf thee, aro not
In qu esd- wan Yhwstpsl. you ?uwtltlorh vwe carnhol
apse you se deanqurn or t . eerier to casact the
ennourt you question.
i,t Species Rte F« credit cad Pudasn
If you hew a prI with to quality of property or
esker that you vlth . erode cad and you
haw t"ad ti tali se aorrxt ea pFablen W. gar
merchant, y eu may have the dye not to pay the asendig
amount dueeMmy dthe epeaprty air s
460.00 std ss of of your rfs "a mark in yar rhaxs a.or «
waWn too milae
i died d you wan own or
sperms the mferdar ht, or If if wo vas rnaik you to
afvar6enop nor fie prasny « ef purduaes
arse avwFd rogsrder of amastbnt?on of pumiaae.)
Wawa remember to sign all
corresperhdaee.
t Does mr apply m consumersera- M tad eawrnr.
I Does nor apply o brabecee nan,oadr cod acrormrs
try prot.etm: see our
aer%4m mark of C:apnal
the biq oabd wit apply rho f,Mdc ran f« each
aagnwt or your aCeaK m der baMrae e} aadh
am. Thee atUs ad of Us Pstod, ws add up
the Felt of then daily alniMdar to solve at
t times each - r to strew, at go d ' -
flineence, crearge, for yaw To t« each aeptFa" of - and old au s, refdu thol e Wprrikhp
a:d a phewb?de i dupe alc lfted Uson now trarasectione
try's bdrucs for that agFwe. We then subtract wpronloum
y
m this iF it . This dw u the aapaom defy bslahm
nor arch slier of Your rndreucu[. Irowsaar, If you pa I the
)khv Balsas shown on Y'err pwwiaa satonre an
iW t«
If You new bdaro was zero or a credit once:"), row
trasWkFS Wide post to Your prc hrs or special
pudws ssgrtres a raayt tlkd m the dean, bdrhnw We
balanoss »har rd dvldnp Ur - by to F? of
to days in err arses Sing cyde, To calculate, your total
Ananea d-rgk your avenge defy bdsrs by the
nd the number of psh
Dus t rolahdFp on sa 1Y/y, hrh tfu s Fmy b°?hD
says vdricsbetween this calculation
rd the roar" of
b. =.== m t?s Lest of tNo sssFUont
roe fe 'Balance Roo Applied To: we multiply the
Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this
statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments
addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our
Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least flue (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.
'03
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Or visit www.peoplopc.com/go/amerald MW 0 Internet Call Waiting
Capital oW* PLATINUM MASTERCARD ACCOUNT FEB 24 - MAR 23, 2002
5178-0521-3863-4189 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $190.19 1 19 MAR PAYMENT RECEIVED - THANK YOU $15.00-
Payments Credits and Adjustments $15.00
Transactions $12336 Transactions
Finance charges tti00
2 22 FEB LAKE COMO COOP INC LUTZ FL $28.0.1
New Balance $29855 3 22 FEB LAKE COMO COOP INC LUTZ FL 18.64
Minimum Amount Due $15.00 4 23 FEB LAKE COMO COOP INC LUTZ FL 17.31
Payment Due Date April 23, 2002 5 23 MAR MEMBERSHIP FEE 59.00
Total Credit Line $300
Total Available Credit $1A5
Credit Line for Cash $300
Available Credit for Cash $1.45
At your service
T. all Cuawnwa R.Uf- or to report a tat or sakn ark
1-SW903-3637
Send paymmu to Sad ioga to:
Attn: R- ittaaoe Paceaing
Capiw Orro &rriae Capiml Oat Saviors
P.O. Bas 85147 P.O. Boa 85015
Rkhmond, VA 23276 Rkhmon4VA232854015
Important Account Information
IMPORTANT INFORMATION: Please we the new
section, 'Temporary Reduction in Finance Chargei' on the
reverse for important information regarding your account with
CWM One.
F'mancc Charges Pkaterareverrsndeferirmportaat istJmWive
Bd~neh Pert C.? WE
4?1&ds rdr
PURCHASES 8253.97 .00000% .00% 8.00
CASH 8.00 .04082% 14.90% 8.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
38849M
T PLEASE RETURN PORTION BELOW WITH PAYMENT. T
:apolOw 0000000 0 5178052138634189 23 0298550015000015001
New Balance $298.55
Minimum Amount Due $15.00 s Apt
Payment Due Daft April 23, 2002
H
cily Sate ZIP
Total enclosed $ , pm1C Altama Phone
#9008394670697242# MAIL ID NUMBER
Capital One Bank xATIE BURD
P.O. Box 85147 1198 SHOREHAM RD
Richmond, VA 23276 eo CAMP HILL PA 17011-6135
m
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may apply, even drhg bill paWds. You we repenallis fordelaminiti whelhra cal to one of our aaoess nanhrs war
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0 2006 Capital One Services, Inc. Capital One is a dedrey egemrad wAm mark Al qft reserved.
1. Haw T. Awrid A Fit- change.
tor. Oaae Mind. You will lure a mWmtan Arses peeled of ceaodc rata. To obtain the swap daily balance for d'
covered try tits stamman, we take the aaxum if it Ian already been closed For a ter ple,
ff you suds ted a purchase from a rnerdrtw and ref
25 days whlnr fiurra d he on now prdr-w, now
brh r trarrfere
nehv a
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d baance of each uprwe each dry, add any new
t
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p
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row o
pa
rar
w
drarpee If you pay lour totes 'New BaWres% in rarrac
on to eac
an
err dm=rd: aus
or cmdts. (H the code N appeaa on the arspnt how bean closed, your aaaaw wit be empen d,
fho amore of the derri
s was be added m your amore
arsordarw wkh der Yry'rtrn t;otles for peymres below,
mtarsen nee 10'11elanme r Ron To: rA else
? ,
p
end you rent be eeparais for paynwm. H dwe A a
rte Y time fa it m be tmdted by your nrti semnerm subtract any unpaid tnanrce clurga irAd
ad Y the balanrm manlrWralrp saw for
dy fby ? ceroiwe
do;Yq tires. Thane Y ro Va+ period on Cash advanucas
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manbse .
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used , correction with dry Perrot gwd*v
b. AeetNna Firs Clharga. Trarracdar wlidn an not anbse
absence of "oh -
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wb)«m to a gran period ee aaeeard tlranw dwpa 11 3. Anaed hr forge Rms fAPIN. 8. Nbd- AYmd Flsolmo a Creak (Dawanskr? When you
ham the do ref the tranractlaa or 2) from der Nts O' e. The non 'Annual Poarieq Rem* may appear ore provide a duck a payment, You authors. u aid- to
trarhaadbn Y m yam Aocant or 3) from to APR' - to from of this statement. use IrAmnatim front your drat to arb a ore tnr
come m calls d t' aaroK harp period. ArHdorrly,
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nor do e for tha p
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an errs or if you need nrro In/omnatoy a dnempfbn of
adww, pucre, spaced nerhr, and MmW padre) temps of your slronw p
semant, we reserve the right to
the Ham you an urea about. You do not hew to pay my
by the ?ra?prndrp dsty pwbdie irsW that hr beam
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as0nam. Thm a tee end ter ter Period, we due appsm on the from at di; mtamwm, you hew 30 amount you question.
tha nwis of thee Ngy dcrMiar m arrive d
pet0de arww drr
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D i,t Special Rule For Craft Card firdraes
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tnarw dwas ter yam aaersr. To tee the dMy balance
for each wells ran' of your account, we, take the heycNp You cane
u
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your acoam.
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cancers to we Your account W"Wrl having to pry the
rnembesew Ye. To canes! Y" weaam
you must
If you how a prablon %M the guilty of property m
balance for each eagmem olio add rrhhyy new trrweNrr ,
notlry ins by ealWhp or Customer, Relatlar Dporunan sarda; fled you vAth a emdt card and you
haw tried n idea m carom the problem rent to
sd arry f nswre dwps caln6tsti m the previre
Nye far tart seyrtenC We than ; on sit" red
psymwms rw credits pond are of that day Mer m Morxtad and pay Yy?au New Wanes' in fie (satl'rdrg the
menWrarprIse) prior to the and of the thirty-they pOdod.
S
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You con n
rn to ore merdwm, you mry how, Uses dyer not to pay ter remaWrg
am°uN due on the gparty a rrHw. You haw War
m dirt wtg . This yws r the toper se day bdrw
for earn -
of
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ou mow
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accare anew ducks
carrel all pma dhodzed bWW vA100 milt of your mabg adiw. (elf we own or
H ya+row halrw wan tam a • credit amwn0, new
der
fns ytlhidh poet m V. pudrr or spedd ,
g,
ant trsw
proaMadzed =ar-asorw s we real sadder operate the mentlrnt, or If war reeled You the
advertisement for the prof "y a me,, a1 purduer
:=
addled m? the daily bolarrater, adding ON We
nvl ssphm ?amNroByt
the daily
moa
Hof aAha?your surhoft
yam
a?;6; I me C
no
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ad
ro emend repenter of annum a location of purchase.)
se rananber to sign as eormpodaw.
haYror m0etlrar rd dvi3p to mm by ter nmber of
the dap Y der cra ent hap aVrJa. To cmkdm your tad my
until You WY N amwhY you owe r
Inclurlin
transactions you haw authorized, fit- dupes, pest t Dnaa nr -A* m rnnswner rovrcrad& card "count,
fiww charps, nmddiply yam awraps daily haWuco by the
dsly_ psmode rsos and by Ms nnba d dap n the hilip
abd DYe m Mm61
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Y d Does not -AW W &a%*- nr-.W cmi accrnfs
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a
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e a
styli vettrrw bstwran dN nladsdorn ad tha amour, of
i
d W an leparble for therm, i m0ume Wrath.,
recesses.
dry appear on yam aeeaet at to time you requests to
?? supports Momrtm pdwey protection: see o r
ww
rrDS sCawtY se;sed
b. H the Cod- Z a N apprn on Ms harrt M cis matemem time the acco m a they an neu ed wb;wFnm m
your ro
uen to dose the account
a
lt I
This m at revere. cmm.
C+PkM Qr is a isclaraly N*WW seMn -* of caphat
nwd m'Bdrrs Ras AppNd To: we'tmdtlply t' q
.
y r
w
n
cMrpr appaaiq m par wxame aria
V hew One Financial CotpaaUon a AN d" reserved
2003
ewrar N1v balaw ref each arhwm tiv vour morWv the arxaw w h..a.,..,t h,
-_ ref CaP" One OI LLOLBAK
38049M
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.
r---------------------------------------------------------------------------------------
Show Mom your love! 003
Special savings for Capital One* Cardholders!
p * on your next purchase when
you use Promotlon Code CAP66
l 5 /O (See reverse for details)
Save
/ Save this code. Offer good all year longl
Remember: Mother's Day is Sunday, May 141
AecouMnumb .5, 2138 ,89 BURD Com.
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L----- _------------- _------------------------------------------- _______J
Capita/Ones PLATINUM MASTERCARD ACCOUNT MAR 24 - APR 23, 2002
5178-0521-3863-4189 Page 1 of 1
Account Sttmmary Payments, Credits and Adjustments
Previous Balance $298.SS 1 18 APR PAYMENT RECEIVED - THANK YOU $100,00-
Credits and Adjustments $100.00
Transactions $.0o
Finance Charges $.00
New Balance $198.55
Minimum Amount Due $,5.00
Payment Due Date May 23, 2002
Total Credit Line $300
Total Available Credit $101.45
Credit Line for Cash $300
Available Credit for Cash $101.45
Atyourservice
To call C utomer Rdatiow or to repot a lot o n" card:
1-800.903-3637
Sad Pa7mab to Send iagainea rm
Arm ^ Proonda8
C.Pinl One S-im CaPW One Scrim
P.O. Box 85147 P.O. Box 85015
Riefimond, VA 2'$276 Riebmond, VA 27285-5015
39175M
Finance Charges PAW jet reaeasti&* imfortant information
rda Pr.* CHARGE
PURCHASES $279.19 .00000% 00% $A
CASH 5.00 .04082% 14.90116 S.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
C-- ow 0000000 0 5178052138634189 23 0198550100000015008
New Balance $198.55
Minimum Amount Due $15.00
Payment Due Daze May 23, 2002
Total enclosed i
X-pee;,daA&- edmrter h! om.W ?hr-Asktat
Str Ape 1
Gq Sus ZIP
Hums Phone Aleermu Phone
#9011494670697245# MAIL ID NUMBER
Capital One Bank KATIE BURD
P.O. Box 85147 n 1198 SHOREHAM RD
Richmond, VA 23276 m CAMP HILL PA 17011-6135
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r
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ademIf voui X. tated 'Mm c eft 1M ibmW d NAIM for?peymrYa babw.
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tloskap due. Them h ro gse peiod an eseh edvancoe
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an •rnY trsnsclfan If you dD rho[ pay the tar/ "lbw
belarnoe.'
b. Murano Fbnw- tlrga. Trarneactlane vmndn m not
fro vin dw of?dr tmnaadlon dhmt the =1 l
transaction IS recessed m vote Account or M from the
mono Police n m, moo daryo crarsr to sdxao m
THS tear that yomu muntil See ursoid lielaree, is ay ON owe tiro drrpgy even in full,
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`Exclusive of applicable service and shipping charges and taxes. Items may vary and are subject to amiability,
delivery rules and times. Items can be ordered online and by phone only. Offers cannot be combined, may not
be awilable on all products and are subject to restrictions, limitations and blackout periods. Offer wlid
through 12/31/06. Prices and charges are subject to change without notice. Void where prohibited.
0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. Trademarks mentioned
herein are solely owned by their respective entity. All rights reserved. 1 -NDADWERS is wkly responsible for
this offer and is not affiliated with Capital One. Capital One does not provide, endorse, or guarantee any
product or service shown here. By responding to this offer, you may be communicating information about
yourself to the company that provides this product for example, that you are a Capital One customer.
® 20061-800-FIOWERS.COM, INC
41-800-FIAWERS.C" uses Secure Socket Layer (SSL) encryption technology to secure its webvte.
tD
6. Arwm t of Lau, Ov~ and Wenrd PrF.
Your account will be .rerednemove then
n
load hem died occur dwbq any burp Peeled tinder the
tea- of ymS'canner aproe ale we roam the dot to
welw a not to anew any far wAdult prim notification to
whhoua wnlMrq ou tom to Samoa the aana or W".,
t • tar ems.
6. Your Ae•oat if a mwnbani fee
apps' an the from of Ws Statement, you hew 30
day- flan the data tNs Statement we, coded to you to
avoid paying the fee or to hew ooh fee credited m you
if you c.ncd your account. During this period, you may
c-nwxe. to u-s your a«an without GwnE to soy the
membarnP Me. T. conical you acoasp, you must
notify us by calling our Cdastrner Relaemn Depenmerd
and p.yyour New B a% In lid (oxdn+drq the
membraN be) per to cur and of me W ny-dey period.
IL N You CN-e Your Account. You ran ragtoa to dnmae
yyo«urr account by -0, ou Cnaemer Retailer.
Depaama. You list destroy Vote radt card(s) and
accral -case docks, cancel d pmaubal:d bN M,
cued as-e
d rod n you accont. If you do not cancel
paauhrir aNInY arragananm, we will consider
rocelp of a clogs your aeleefraicn to
aecwd. Additionally, you account will not be cured
unl you pay .• amens you owe u pndna " . my
totrsdions you have audeed=ed, Mann rhn", past
dun fees, oyaamn fur, moaned payment tea, cleft
advance feu and any ether fees aseseed to your
scorn. Yo m a po mme for dues amana wlydar
taccount oin or ilectmere t am at bwrsd ? abs you eQa ?iM m
c loss
n m
yrr'quo m don to account. Tnt. any roam N
cargo aPP-srbq an yam accou t cube yw hew
7- u urn W n ra a M rS•a PWSa, " am rip
"it; of then daily ealrtaliorr to arrive yarw the
atIodc
hum a ch ry r ter mud
fkaar I drnoe fa yor acootn. To got air diy belrre
for ooh segment of your acorn, sus take er bs(/rrirp
balance for each ••g^•rt cured add ow new comeaaimr
send my pWbde finance dregs calculated an the previous
day. balWicw for that se p ver . We then Subtrar
P. to th?sOgmWt. Td.. aepN? deal am
t m daily haw"
fix, each Fl.lrua of vow atsotat. rbvwvar. If you paid Us
yar pmMOa -uernea In lea (r
(f you new balm wee tow or a cede aantoup, new
trarslnlorr wHdt Par m Your pudrse or
aprcw
sego .sdNroyt Y.n?inmby addnto *1"d y We
belrnces togeaw cued d,Airp to San by tls msuGr W
If you anddritd a pudnsee from • nrrcrt and we
rardw Una trsersWat flan the mradrnt after your
auxeuht hr been doasd your account WE be reopened,
the amount of dM dwge well be added to your amount,
rd yyoouu be mgrr6M f« payment If term la a
menaarrp fee fa yen woota t, the be wq continue
m be m the roam prmk[sd by law, until the
accrue f W bean P+W in full p dented above.
7. Wine Your Aoamut.Your cadd or account cannot be
toad In mutectim with any Internet grrtrng
Ironrrl-
8. News About Elaabwie daek Coo-refian, When you
provide a duck M pay.-*, you aWntta w ether to
roe inkemadm from your crock to make a ono-dime
electronic AM manaliat fern you bank aeeaea or to
pricer to payment a1 a dock trreact on when we
tar aMrrmatlm fan your dock to make at electronic
fiend transfer, funds my be wit drawn firm your bank
accent r seat r the sane dry we modus yota
M ...a b Wodon. not .1. your dock becfk fare
BIWNG RMM SUMMARY
(In Car Of Fins' Or Cluesdelr About Your W
If leua anrnlt -8 bNb vnarp, a R you roed more
kt eae'?MabN, Mro an
rpraftrau abet a Ste w ea paned at the adeide a
hoars town an t hr fiat9 ement. Wf Ws out
ei
Jecon no r deal
first ? swidt h the !leer a I>r?{.ere apirared. YW ben
gal our Cuomma Mader member, but doing se will not
?yrr does. In Vo r letter, glw us the following
your note and account mumbo, the dell or
amount at the -spacied ame, a 1 sedx4 1 of the enter
and an aple rYm, If posebb, d you befisw them ta
an water, a If you need mom Inbenta m, a doeciptlm o1
to ham you m u naiv abet. You do not have to pay any
amo ra in; = the m Msasdp W h, but you
m win m pay ter pan of yea h1r Irw cue not
kn 4oetlan• we iwt?r you rmatlan, we carrot
y « Lira any action to collect the
amount you
i,t Special Rule For Credit Card Recitation
If you hew a problem with the *Why of property or
aerNcos then you whh a credit ail and you
haw Iced In lsfvia t0 Coneel fhe problem with the
merchant, you may have ft tot not to pay dts mmaHrg
amen dueeH- the y or onlO c You hew IN.
protection han dr puedta a was pXInCS . you erne titam «
a60.00 and
wlbkh 100 mks of your maw* addmoo Of we own or
ape sro the modem, or It we meled you the
adwatlsentWt for the a aerAces, afi purdms
am towrod eeparder of snout or Ioatlo J prdameJ
Inlaese atrmbW to sign all mmspondrna.
t Does nor apply to oaurarr non- ad/r card acc'Ona/s
S DOS er apAfy to asimeae Lion- IN Carr accota e,
Pdw•cy Pmtscdon nee our
rod s-rvioe mark of Caphel
On reserved. •2003
OILOLBAK
peMeed_ Gus oo tmutdrp art. ddy brMa ttdays in the aare mr.y bep
A
.Kohl rseirasveedfrrrtogss betwsri ddo colodedon and the eau[ a
b. If the dads Z r N yysae-`ort time bid at INS Statement
next to'Belenva Ram Applied To: sus mWelv the
U917bM
pedOdc sots. To obtain the average daily Wlrwe J. the
N
.
pp?ai?ra ." day, adpdsairy new
or cmilits. Of the a& lKrrg prfod W a=I
taineactilano to ad, Statement next nextq b? 11aierree Wes Appied TT o,- we also
sWtract arty unpaid lnonce cat" lrrkidsd in the baWnce
of "ch selp em.l TWA owe u the daily balance at each
Segment. Then, we .ed roe as the del balances for each
sepmlblealtnt fr dee bmv prlod and dNde by du tow
py balance of ..h g ent. w. w the
.
Annul ?r d.earite" IfAr IAPRL
.. The tom'Aanaw Mrtomape Wt: may appear cue
APR" an doe fiat of 1N- sta[amaa.
b. If the cods P (Prima), L (3-nr. US=, C (Certificate of
DepWO, r S IBrdead Pdma) appears an fit fat of
INS statement rrxt to On periodic rater, me WI{OdC
roes and ANWAL PERCENTAGE RATE'S
may wry prnMy may inoesee r decrease based
an vile sutad tides. n foul In TM W&N aksr
.Aannry giro the auadn p aw dy dNHosed fe you
These wY be aNaeY on vibe lot day of y«e
hiRhg prWd oovead by-W!r l?!todm,autrnrt rW9
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. Pr. 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 some day we receive them. Our business
days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment.
First 3 months half-price
P" r%c
97
4 a montl;
$a.95/na. metealler
Now with FREE Accelerator
for the first 111 monthsr-x'60 value
SIGN UP TODAY!
A nt number: 21.9863-1-877-7784207
Mention Offer Code: GARNET
Or visit www.peopiepc.com/go/gamet
Capitalow,
Acoount S
Previous Balance $19855
Payments Credits and Adjustments $15.00
Tranaattioas $155.14
Finance Charges SAO
New Balance $338.69
Minimum Amount Due $38.69
Payment Due Date June 22, 2002
Total Credit Line $300
Total Available Credit $.00
Credit Line for Cash $300
Available Credit for Cash 9.00
At yourservice
To call Cuetemei Rei f m or to repot a It ..W.
cad
1-80x903-3637
Sad paymmtr to: Sad iDTAds to
Attn: P-ittanae Pro-irt
CspinloreS.'i_ GpiulOm &r'ian
P.O. Bas $5147 P.O. Boa 85015
Ridnwnd, VA 23276 Ridmond, VA 23285-5015
tAccountlnformation
Capital One is a proud sponsor of the American Film
Instm ite's CBS primedme special presentation - AFA 100
YEARS 100 PASSIONS. If yw love movies, tune is to CBS,
Tuesday, June 11 from 8-11 PM (ETIPT) 7-10 PM (CT), as
AFI counts (Iowa the 100 grew lore stories from the past
100 year of filminaldng. Which ofyotc frmche film will be
honored? Couldit 1. THE WAY WE WERE, WEST
SIDE STORY, CASABLANCA, PRETTY WOMAN,
SLEEPLESS IN SEATTLE or another one of ymir favorites?
Youll have to watch to find out Doak miss it!
35707M
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PLATINUM MASTERCARD ACCOUNT
517M$21-3863-4189
APR 24 - MAY 23, 2002
Page 1 of 1
Payments, Credits and Adjustments
1 18 MAY PAYMENT RECEIVED - THANK YOU $15.00-
Transactions
2 09 MAY B & B COMMUNICATIONS LEMOYNE PA
3 11 MAY OVERLIMIT FEE
$126.14
29.00
run= Charges Pkarerevreverferrdeforimtwastiie
fo
;
ias w
Blom Aft n
A
i
pw.. r ?t CAARGE
e1t&d* r'd
PURCHASES 11271.1$ . 000004 .00% $100
CASH $.00 . 040$1% 14.90% $.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
CapffaloW 0000000 0 5178052138634189 23 0338690015000038698
New Balance $338.69
Minimum Amount Due $38.69
Payment Due Date Jute 22, 2002
Tod enclosed $
Pk-p,imt M-elrgw kkm-rngHw-Nark imk.
9n-t Apt I
C,ry Sias ZIP
Home Ph- Altemarc Pho-
#9014494670697242# MAIL ID NUMBER
Capital One Bank n KATIE HURD
P.O. Box 85147 ° 1198 SHOREHAM RD
Richmond, VA 23276 N CAMP HILL PA 17011-6135
I I I I I I III I I I I II' I I I I I III'IIIllrrI IIII'l II llI lll'I1/1I ° IurIII..Ill. 11111111
Pkaa uriteyosv arromt nwxAff m yom disc! or molly ender madepayabk to C dd OwBamk and mail in the endaredenmrlofe.
r
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s
rtttt?-
s?
aa?
8
O
O
r
s. a- Pe90d. You wl haw a uk6n m grad period of
25 days vd*.M Ikrnee drawee on row pudwa, mw
b.lrae traraism, row gx3N praHtosoa and mw caber
dmrom if Yomm palriYrportart[ Nabs f« W V% ? Bolan .yw ~ra blow,
aamrdreco
and in ulna for or k to be by you ca
wave .tnerrhert
paPeclst trsrnoisro. In rh, d?ero 1. no Pfd
our arrscYbn If you do not pay the tool 'Nave
?
b. Aeetang Faaee Carp. Trarraetlom vA*h are not
f
m-m ri date of the binas?pianas or}rantrr dia?tle)
commotion b Droosw 'to your Account r 3) from ri
Are nlern I day,
of ri =rant biry Adddawy,
If you lid not pay to 'Nmr Bdres front the psvimn
being Pooled In fir, fbehee chmo m oani nos to occue, to
5you upid bsiram tadN ri ulpaid balarhca b geld h err elves get you atY owo amrtc. lieges, even if
you pay car ndm dew Bdatat an ri hont of
You atamme W do weer statement mrmtent .e doainp caw, but lid
err earn m nro rlprswt a yaw rtasuc
'?' c Mfrnbaw Fknehaa Far amdh binp pedal trot
te?Id r#MNCE rP?rs off x0.60 wig s?ppalnpuoUornd. Nydaer
? tror?ribW a?iHn?aan60, ?wiN ? ha
bled to err purchase of =watt.
t d Taapmrry Rarirtsliwr kt Arwmm amepa We mrrve ri
dqh[ m rnpR me sty r ale aterno. chmges for any given
Average b.NNr aaloome Ibduie New Prdvame.
s. Fkusae, cheap Is almsatN by mt/apWq ri dWy
balance, of each smlrart of you atxoet ere., ca.h
adveaa, pudrmo, mpeW trerfr, rd mpedst prdaw)
by" dally s
Adore tela) tlrt hw been
prsdaW to tau. At the and of each day Y+p
tlr bNkq oemd, - apply dm Pamaa rate t"r=
agent at you amount to to Ml.ro ofeach
;: Then at do and M ri prod, we add up
ri radumte of atom aedadatlens to aMw at
moults from each sop m to arrive at the
c
iwm dtarge for You aaco nc. To got the
dW bairioe
for each mmpmat of your account, row take err begiWrq
bolarts fr main aegrhet and add any fame tranaactione
and why sttaa. tlerge caMatated - ri psvimm
deycs poyma for cadetthat i ftd mofsl . gatdtlrrs that
Mooted
e. ea if Tina a II y- . co u the MegarylhK dal eny
rill y balance
to teat
to aom of ycaer nr, R youu yd ild der
N al - ym m Your prlt. dmwevo
mwv your b don- en yaw palms oustornent N kr (r
It yaw t? balarhL7' we. Zera r • cock at amounc, row
travoctiona we poet or yaw purchase to do ri w spe
Pudnma moments r v ete
on not added d to defy balances. We
PeoplePC is solely responsW for this ode. and is not affiliated with Capitol One Capita an (toes not provide, andGge
or guaranis% and is not afFAated wfdt any product or aer ice shown here. Any Bede wads mentioned herein are ady
owned by de respective entity. Al dghts reserved. By respondng m th'a offer, you may be comtru ating Mormation
about yourself to the conpary that provides this product - for example, dat you am a Capital One customer.
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dol-up aubevbas at Nast 18 years of age and may not be redeerned with any ddter o8e. Offer suhpd to charge at
any lime. Phone teGrYcal support avalMle for $195 per miracle.
tAmelordor is free for 12 months. Oiler good for inked time Mar the fiat 12 maths, live Ateekraw swTA will
eu«rmdcely rant to Its tan I Peo*K Orltne service. Offer subject to clur" at anytime. With Peopiam Orlin
Accelerated, certain Web pap tan and gmptica will bad taster when congaed to standard dW-up Internet arvks.
Aebel results may vary. PeopePC Online Accelerated N only canpaBbN with PeoplePC Online Internet service and
eI o INed Wbdowa0 otowaerc. PeoploPC Ovine Accelerated is rat oompahble with WhxbvW 95 with IE 5.5 SP2.
service not wal ile h all arms. Acme bes, taxes, and oter feet and resb6dora may apply. Telephone toll doges
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0 2006 PeoplePC inc. AN Ri*b Reserved PeoplePC Online and its logos are tmdanaks of Pao*K N to U.S.
veld Cola comddes.
0 2006 CapfW One Sw*K fre Caph d One Is a laderaly, regWeted service mark AN dghN reserved.
perbd{e rata. To obtain the .-repo dally hot- for the
ZPI,d covered by 1rnN wmmen, -take the
6dnro each noe of auearhneenolpmaw each day. adpdavery new
ar
statement ca neat the r?NapWaom lV?rdof d
subtract any upnA Shame dw fitrlctlW in to baWtce
of each sagomm.) This gives u the daily bd- of each
aepmse. Then, we addprrp A ri dal balances for each and d by 11h. IKA
road- of v. In IM pedod This caws us the
awnap alasy balaua of eadn -Wn m.
3. AwardPa=Rstas IAPRI.
a. The ices 'Anus Percentage Rote' may appear ea
APR' - to from of Mis statement.
b. If the code P (Primal, L (3into. LIBOR), C ICadfwate of
DepodO, a S (BanrsN Plea) appears on ri food of
*M statement rem to ri ps"dic mtaW, an Dalarae
raw and aatarp«ndrq ANNUAL PNRCIDIfAOE RATES
may wry puwrly rd msy Yrxar «daawe based
en ri sated kdomm, .. rand in Tbm Wr scan
?ba net plus to mopmMarly disdard m you
Thar =-=b s Nbcaw m di son dy a yen
birp W wkn Pa. metartw «dng
In '==7 .rd October.
c. 11 ri F (?ino. BOR) or O (3-
stmorm t rano m
and?!V paolede mteW ere oakadc raw
o pAMSrAL P91CENfZ IiATB may
wry comedy era may frare am r dearm based on ri
eased Indlimar, as foamW In 7U Wb# Strode Joarrask plus
marynpmuuudy disclosed m Your. Thar dhega
WIN each be arflo Ysa on 10* sra
each day of You Make priisd maroh.
6. Aaaaaad of Lanai, Ovaramk .nri Rabnwd F
You account Will be amassed mmore than rri
Broad hem than aec r dune very bliss period Under One
tees- of Your oUlftomr of-m-4, vm rover- the Agin TO
-live a not to aeasa arty for wltMn ode notlaeatlon ro
wldnad walvkp err ripM m aver tfr acme a akular
E • Inn tea
6. Vau Amerced. It a rrmmmbm fa
apprm en ri rcm is We. nnamee , you you eaw 30
to you dsYo kern dam am this to hems row e to you to
Paykp the o In or to haw such fee erodtyo to you
If ta
R you red You aaaut. Duke trio Wed. you mY
canine to tfe yaw account Pay
account, eavkp te y ri
membership m Yuybyy coam our dmtdner Pdadem Department
re
amhaarwibstasp tee)pda and of tl(°ia sy jeered.
& N You close Yew Aeaaad. You tan repast to dose
yyoourr accent by calling ou curlamer Relations
Dap.NnMt. You must destroy you credit cordW and
account scums drakes, creel e.1 promatimbod bang,
rd oars ukp yaw account. If you d0 rte model a charge rge rpa your u Gnoel
pmuearitd o audw a. on
rdda
to vent gu en yaw
cwarn v not be
account. Adaa amounts o, yew n account volt not domed
a1
t you PAY M You onne us Yhdrodr any
due lea, eerier am, o you how at anNnAa"ad, payment tle c pot
d w., reared ssaLoossnn med hot, cash
.dveas hr au very atlar fan Your
aeomPn. You are rempdn.ile for them amounts weeder
en mm uw at ri tkra
u,
=1:1: ccau «they are Incurred subsyou equent to
yaw reprst m doh ri accmart. Tina may mdt b
drrpa gpahp en pus account .fir you have
err
yaw account if it has weedy been quad. For exempla,
N you e
ri . carraalen fien a pcrdws hoes o merchont a d we
racdvs cari r erdha t after you
account hero been closed, you arrant veal be rooprrd,
ri snout of the dsoge veal be added to You account,
rd yyaeua wive be reeparHs for paymorc If there Is a
rrwbsistlp fee for yaw .Cara., the fee wa cadraro
m be dermd, m Ae aaant ps nkftd by low, ur tfr
arrant balms Iw been Pale ti err .. dsaraa wow.
7. tlakp You A-cnad.Yor card a accoum cannot be
used In comuction with any kwernet parrnhhp
mneaodona.
S. ladle- About R-1 rie Chaak WrwasYt? Wren you
pradda a deck ea payment, you aWnake us ddnr to
tae kdwmodon from You deck to male a orwilm
electronic had nonefier sown Your bank scant «m
proarss car pa w • dedk trarraiae When vm
us idomratim N. yaw dwi m malm - Wdom&
had trwfar, leads may be voktam n from yaw bank
arrant as can - the saom day we. retain your
prymwt, rd you wi rot naive you cloak beak from
ymr srand.i insdordorn.
61WN0 FOONTS SUMMARY
(h came Of Fmom Or Ousadm s About Your OM
It you steak you bill Is weep, or N you road mss
intorrnasan en• ueewdoh a bl, are m a m a
amparats sleet r soon n Possible at ri addwm far
WA"" dawn - ri front of aim statement. We mart
her from You no later anon e.0 dd?aw afar we am you the
srot tlN en rdidh ri error err preMeo apaarad You tan
CAN our Omen- Ref liar mater, but ddre so win not the inf a yctrarmame~ and acco m Mow, us eadow ri ? Wur amain of to arpected oar, a dadptiah of the armr
and en e place iar, It possib, ofvdny YW base- there im
- error: «If You fwd mere mfomhadan, a description of
the hem you are moue abata. You do rot he- m pay any
--m In pad- -dam vw are bmvedaarq h, but
You
ro aW m pay ate pace of yon Ml that as not
M !VWr vwe YAamligem Yocroaphon, we .net
rapou yvmss=dF1 rf a tab any ?earn to cll ct the
amain you gtwdco•
1,t Spatial ikme For Credit Card Pmttumm
If you how a prahles vrith to quality of property a
Pervlcr teat you pudesed wren a cads card and you
he- tried b good la W to correct I. Pin vollh ft
m do t, you my how the dent not to pay the remaining
amoura due protaeden eNeny to tlr pkrdhua pIp rave team gam or stalft". You haw Ons
W ed of Vouo you we. mmdm in yw Iwm sue or
-idin diot 1 100 mass ru&V address. ai nAe own of
apernm ri manM ordent, aif if" we mrNd yo you the
===,-, propery « ==.-)
n M amantr« ndmNema rornenbsr to den arrsspadaw.
t Dar ter tpAry to aruaw nor --& urd aceoaRa
t Dona of apply to budoom -ft card ---do
privacy prolmclbn: mere ou
red service rnark *1 C.Pitel
to reserved a 2003
OILOLBAK
b. If to coda Tw N apisam en ri freer
nee m'Bdaee Ram AppNad To: -
35707M
Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this
statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments
addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our
Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal
delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business
days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment.
First 3 months half-price
/I
97
a month;
56.65tma m««ne.
4 ,"'°'; FREEAcceferatoe
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1-877-778-1207
Mention Offer Code: OPAL
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KATIUYRD A better way to Intemet.
1198 SHOREHAM RD
PtWjqPQ jinpppff%S*f fiWtgs you would
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5178 0521 3863 4189
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Capita/ow
Acoount
Previous Balance $338.69
Paymems Credits and Adjustmems $100.00
Tramactions $.00
Finance Charges $.00
New Balsnte $238.69
Minimum Amount Due $15.00
Payment Due Date July 23, 2002
Total Credit Line $300
Total Available Credit $61.31
Credit Line for Cash $300
Available Credit for Cash $61.31
Atyourservice
To a8 Out- Relation or to report s Imt or atolm and:
1-800-903-3637
Smd pnymmta to
Atta Remithnoe P-in6
Capital One Swine
P.O. Box 85147
Richmond, VA 23276
2146M
Send i-quiue to:
Cap W One Swine
P.O. Boa 85015
Ridemond, VA 23285-5015
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
MAY 24 -JUN 23, 2002
Page 1 of 1
Payments, Credits and Adjustments
1 17 JUN PAYMENT RECEIVED - THANK YOU $100.00-
Finance Charges PkweAvrmffmndeJ6rimportast iinfarntntwn
B
ah-s, Pwi%Tt S j em
?a
' PWI. rah
PURCHASES $316.10 .00000% .00% $.00
CASH $.00 .04062% 14.90% $.00
ANNUAL PERCENTAGE RATE applied this Period
PLEASE RETURN PORTION BELOW WITH PAYMENT.
0.00%
Capi>ta?Qa 0000000 0 5178052138634189 23 0238690100000015004
New Balance $238.69 Pk p.-r`u`° dmy ?`b`°`°"YM lit ale
Minimum Amount Due $15.00 Sna.t Ap. r
Payment Due Date July 23, 2002
CiLy . Shoe ZIP
?- H
Total enclosed $
Home Phan Alam.te Ptaw
Capital One Bank
P.O. Box 85147
Richmond, VA 23276
#9017494670697249# MAIL ID NUMBER
KATIE BURR
1198 SHOREHAM RD
N .? CAMP HILL PA 17011-6135
Pearsu teya armmt nanrbnonyanr check or mmmy order madepayabk to Capital OneBan.E andmailin dm enduredenvelope.
F_
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Mention Offer Code: OPAL
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PeoplePC is solely responsble for this offer, ad's not affiliated with Capital Ne. Capital Cne does not provide, endorse or
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0 2005 Cpaal One Services, Inc. Capital One b a federally registered service mark. N rights reserved.
blukhg cohered by this statement, we take the
bed rhos of each soli nent each day, add any new
irerwcrione m eedh sev+wK arch abtrad arty ps?mems
code N appeau m the hart o/ tlia
a Cre6ts. (If the
statement next to 'Balance Rate Appsed To,' vs also
subtract arty upald Inane dare Included In the balance
of each wage a I Trim gives us the daily balance of each
sogreem. Thathe Mkv n, - addpeurp .0 to daily balanced for each
moment of days I bluing period. TTclivicle N. gives gives us the
a chary balance of each >te0mant.
3. Amyl Rate fAPRI.
a. Th. town 'Annual Heteanup Rat' may appear as
APR' m the iron of trio statrant.
b. It the cods P chime), L (3-ma. L)BORI, C (CertiMate of
Deposit), or dS (BoAcsrd P appears th from of
ihis statemen mod to tive periodic motel, rater and mrrayadrq ANNUAL PEACQRAOE MTES
may very gosnwly air rosy khva. a decrease based
m as atsted Yhdoes, as tared h TM Waa Sbesr
.bury piles as 1he matdrr protlady disclosed to yu.
Trails dtrgos vat be ve m the Imes day M yes
Nang ledod mtared M your Parodic statanam andM
W tie mamir Jrse Aprl and T9-(3-
c. If the cods D Wdme?F (l?ypnpos.i BOPo a 6 (3-mo.
statement .it t. the D. stew, the Periodic Mae
wrtyeddearkhd erneiomay 1nc=6 err mass. Janu4 Pew m f
the ro
sa previously disclosed andadisclosed ased to m you. These y u. Th pins
mrdn Dree. de
ed
oath be effective m 7th Irst day of Yoe NKg period
each wand,
4. Ararrwr of Leta, 0-ft* era Rmsthad Paynhrr Far.
you assent vat be assessed no moor than two a ere roes
load has that Doer Aang any basing period. hider the
terms of your aatamer agreement, we reserve the right to
waive or not to arm any foss Wmm l side, notiecatim to
Wihoul waiving our right to a- the me or omgar
you a • lets tine.
8. Yar Aaeaat. If a membership fan
apprre an the trorr of Iota statement, you have 30
day ban me doe this amtanert oar meld to you to
avoid PaVkhg the fee of to have such fan Milted to you
it you umcd your acGaam. OuMhp lots period, you may
carhtimare to use ywa amwtt whhon heMrp to Pay the
membership l.. To canccd your accord, you must
notify, is by calling ou Customer Relations Department
and pay your lbw Reliance- In full lexdudirq the
memteralp 1r) qbr to to and of the tHmyday period.
8. H You Cksse, You Amount. You can squaw to dose
Yyaourr accoun by casing our Customer Relations
0epanrrrert. VW must destroy your Cm& Gir(d) and
accoun access docks, cancel as preaWedred billing,
era co.. uakq Ym aeca.t. If you do na eared
praathodzed tssrp artsmrpmmtran/, we till camwlder
recdpt of a charge your araladzation to reopen ywr
acconn. AAltiaaeY. Your amorrt veal no hm dosed
tiene you Pail as au you owe in Ice, cheaper, mil
t? ese, o you haw ym authorized, menfms, cash
dos veamit ter, rotuned syssesset fees,
sccomnce o. man and any odor bas earned to your
seeotrm. You am reapenalble for fleas mmne vfatlher
lay appear m your accord a the tim you rawest to
cleae der lcmunt or that' am khaned subsequent to
your requ eo to dm the account. This may malt In
dagr apPeabg many i ahm ,whawve
i,.,...f
yar account if it has akeedy bean dosed Far example,
if you ordedzed • pumlaas flan a cone "t and lyre
raeive the, transaction from the mordant after yotr
amour has been dosed, you account vdl be reopened,
the amour of ms change, ova be added to yore so mar,
and you WO be rayar6le for paynnar_ If them is a
maroaaip tea for your arrant, the fee wall continue
m bar dhroed, m the Haar permitted by law, nits the
accogn I as been Paid b fie as dstfned above.
7. =Y= Aeeant.raa oral « account vast be
rheaforh wan affil Internet gambling
t errs amt
8. alorisa About k7e,akonis poet Omvnraiat. Wuhan you
provide a deck as peymem you aWhedze, u eirihst m
tar Morrrradorh born your deck to mob a one-time
electronic lend transfer from vote beak amen or m
pmesr paynan r a dwJc Itrractlon. Wirt war
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tae tlon from yotr dueek dn mab n orb r bank
foal tnaafa, osnsearray arawrt from voter
saeur r foe r the erm nsd day we reaivs your
paYmanr. ad you vA not mceive your check back from
your Irharhdel kuWmruon.
BILLING RK*fTS SUMMARY
On Gan Of Errors 0, Cwdaa Abaco Your M)
If you fibk your bN b wrong, tax H Yon need mere
Inbesation m a varaGtkn a bell, writ to u on
a
separate alhest r soon as puhsaHS at the add- 1.
=Aes dawn on 1ha front at tits natsmem. We must
If. ban you ne lamer than e0day efia vre arrt youcanme
fact
Nor m when the error « Bolin so ed Y Will! ou not
pGn arredreraL:Irlaldtil hs.a and acletter, she count number ntamnlber, brr, but t t o th Yaur ng~ Voter cou the dootlt
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and r m o momI
the ft am or yo If if you If
arror; You don, a description of
ow to y m you are uhauneed need mess about. . Y m do not have to pay affil
amour In question oath we are k-wdg 9 h, bu you
sW ohagated to peal the Patna of you Wf Urt arc net
in question. YAiIn ova Yrsovii4am your amtlon we cannot
repot you n dMnesm o take any action to collect tthe
amen you qurtion.
l,t Sparta We For Credit Card Purdu
If you have a problem with the qualfty of Proparty or
services 7th you wHh a credit card and you
have tiled Art ialAh m correct the imbler Wm the
mrehent, you may hues Are dole not to pay As ameNng
amour due on the or services.. Ym have aria
d60. neN Bus pudaea wow amads in ymf Mme smb or
within 100 mf es of your mAN address. Ilf ve own or
sperm the madam, a if we mailed You the
advertisement for she property/ or .mules, d purchases
am covered rags rde I of amen or location of purchase.)
Plow a rernernber to sign sa correspondence.
t Does na apply so earaaner -ad& raid aco-d.
f Dome rot apply to aasbsas -* vd eemuaa
Capiml Qtr rpporm informed- privacy protection: ores err
vvebite at www. com.
Cegw Ore Is a federally registered service mark of C 0 W
Captor Orgal Corporation All it" remained a o1?l.GLBAIL
H you row baarwe oar zero or a aedt arooua, new
trarreufomr viichh post to your Part- or spacial
puGhwe sephtora am net added to the dally balances. We
oakum tha werap dally balance by adding M der dory
balances tagsaer and Avl3hg tha s m by the nnba of
the days h to arrant blukg cycI TO calculate, your tad
Irrcpeadwgs, yaar s average fiery balance by as
p bd Dm muMng an ue inumbeir of m days in m orrer
y be + g
?Adr vantanr beirween this caarsdw era der amrhan of
iklarCe ahalge, COaay aaa/aaad
b. If Act code Z oraN appears m Act tram of Ab netammt
roe m'' 'Bares R.m A?pY.d To??we m?vlaply
2146M
Imporprrt Nodcao: 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 Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment.
HOW FAR COULD -?-
$ 400
TAKE YOU THIS
SUMMER?
555900-02
Compare auto insurance rates and pocket the savings for summer fun!
See reverse br dot* - -
Capiftl o a PLATINUM MASTERCARD ACCOUNT JUN 24 - JUL 23, 2002
5178-0521-3863-4189 Page 1 of 1
Account Simnmary Payments, Credits and Adjustments
Previotn Balance $238.69 1 04 JUL PAYMENT RECEIVED - THANK YOU $100.00-
Credits andAdjumne¢m $100.00
Transactions $.00
Finance Charges $AO
New Bala= $138.69
Minimum Amount Due $15.00
Payment Due Date August 23, 2002
Total Credit Line $300
Total Available Credit $161.31
Credit Line for Cash $300
Available Credit for Cash $161.31
At your service
To call Customer Relations of to report a lwt w stolen c.rk
1-800.903-3637
Send pgmenu to: Send ioquiria to:
Ate: Remittance Pmceming
Capital Ow Service, Capital One setrion
P.O. Ba 95247 PD. BOX 85015
Richmond, VA 23276 Richmond, VA 23285-5015
Finance Charges PkasefareeerutidsJ6sintfortesttiiVkmation
R.4.-ra Poladit ?l CHARGE''
* dle rAk
PURCHASES $172.02 .0000011 00% 3.00
CASH $.00 .010$2% 14.90% $.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
2286M
PLEASE RETURN PORTION BELOW WITH PAYMENT.
oW 0000000 0 5178052138634189 23 0138690100000015005
New Balance $138.69
Minimum Amount Due $15.00
Payment Due Date
Total enclosed $ August 23, 2002
? I
An-je-,.un„Az..kAam.V Mwr-M.* k
s- Apt 1
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Hone Phone Alteraste Phox
#9020594670697241# MAIL ID NUMBER
Capital One Bank KATIE SURD
P.O. Box 85147 1198 SHOREHAM RD
Richmond, VA 23276 N CAMP HILL PA 17011-6135
!u?t!n!?ut?t?!cat!s!!n!?ut??m!!ut!!ut?!ut!?ut??ut? ° >? ?nt?!?ut?!?uuu!!tn?!t?!atu!!u!!u!t!t!t!u!u!t?u?t!
Ple" vniteyewaemmrt nxxba on yawrdA Aor money ordef madePayable to 09W&l Ow B=1 and mail in tlxenneuedem elofr.
F
And that's pretty far! By comparing auto
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Call for a quote today at 41151M r to see if you could save!
(Please mention Kay Cods P329)
Irrtrrrr a produds are provided W u demMM by. and an the aadrNe oftelion of "m alm
Arrafnn In. Co., Pmp eav a AubPro kw Co, P.We"I l Casualty I m. G, Propsarro Cbw)c
hr. Co., P.W..M c xaty Maur Nee Co., Propeulw H.kym N. Co. Prop osem Harry Nor
Cory., Prop'M Manton Nee Ca, Pmoremim Mac k. Co. .Proweewe Mdtipan Ns. Co..
PropsrM Motrern Nor Co., Puoptrdw Moter)n lour Ina. G., Propnsnks NoMwrbm Its. C0.
PM ..W Neill- lea, Co.. Prop.NW NuMredsrn k. Op.. Prop= Pal-ld. IM Co.,
ProprW or No P11lwmd Ina. Co., PuopwM Sandy ka G., Rop aporarty Nor. Co.,
OK Not ev aeee" rbb in N ll all Podr Na Ca, ad ProprdYoWr ter. Co. auadaed rod" W and am
OII. Nel alrr or ateatlms. Nw11nm ProM+da era not rot caper One prod" era
not allered by CW W Or «by any of IN aaNNe, -.qA when applicable by Caput Orr Uuurwre
Apwwy. Spedfe teases and op ow may vary W may not be evalabls in all states. AppWnN wa
ImM dually wtdwavkbon W son Ndelduals may rot Ruafy. You dedran te pwdrr Nor a
W yes drolm of an Norse or apes as have w dw: m yur Ypibay for any Caput Or prudrd
or service. INSURANCE PRODUCTS ARE NOT DEPOSITS, NOT FDIC INSURED, NOT INSURED
BY ANY FEDERAL GOVEPAME 1T AGENCY AND NOT GUARANTEED BY CAPITAL ONE.
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*Po.able savktps based on rate vadams at ammilad oomparlson robe calculated by Props 6
on cob 11mieod Iron at1A11-121d1A1 (ocdu*V wWoes Vaaw than $1,000). Rates and earl
eavYps will vary bind on dd" .ord. whkb. a W- and other laclom.
O 2002 Caphal Or SarAma. Ina. C 40W One Is a ledwriy rapiaam i earvka nark.
AI dples mearved.
PROGREllINe'
AUTO /NSYRANCE
f.. Ora Prbd. You will hew a mHrmon oram Failed of hitbrp period twee
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presses 1)1, psywws r e dark ttwrserbn Whn ws
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fed ft-lim futile may be w th*- from Vw bank
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yes Rrlarrdal NaroaNn.
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2286M
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 st 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 some day we receive them. Our business
days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment.
First 3 months half-price
97
4 a mcam;
S9.2&mo. #we~
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CapiM10 ea
Account
Previous Balance !138.69
Payments, Credits and Adjustments $138.69
Transactions $.00
Finance Charges $.00
New Balance $0.00
Minimum Amount Due $AO
Payment Due Date September 23, 2002
Total Credit Line $300
Total Available Credit $300.00
Credit Line for Cash $300
Available Credit for Cash $300.00
At your service
To call Costa-ca Rd Eons -to repot a lost -.W. sera:
1-800-903-3637
Send payment, t« sodioquiriesw
Attn: Remittaaca Pme-ins
Gpp'tal Oae Setvica Gpitsl One&nim
P.O. Box 85147 P.O. Box 55015
Ridimond, VA 23276 Richmood. VA 23295-5015
4100
PLATINUM MASTERCARD ACCOUNT
5178-0521-3563-4189
Payments, Credits and Adjustments
JUL 24 - AUG 23, 2002
Page 1 of 1
1 03 AUG PAYMENT RECEIVED - THANKYOU $138.69-
Capital One has joined with Progressive Auto Itwtrance so they can provide you a fast, free rate
quote with no obligation! Call 1-877-397-5374! You could save $40T by comparing rates. Mention
code P700. *Possible savings based on rate variance of annualized comparison rates calculated by
Progressive on calls received from 6/1101-12/31101 (excluding variances greater than $1000). Rates
and actual savings will vary baud on driving record, vehicle, address and other factors.
Finance Chatga Pkaara reverie Ads* important ixfkaw/(tiies
.w/fo fah
PURCHASES W73 .00000% 00% $.00
CASH 5.00 .04082% 14.90% 3.00
ANNUAL PERCENTAGE RATE applied this period
T PLEASE RETURN PORTION BELOW WITH PAYMENT. T
Qlipffmo w 0000000 0 5178052138634189 23 0000000138690000003
New Balance $0.00
Minimum Amount Due $.00
Payment Due Date September 23, 2002
Total enclosed $ 11
Capital One Bank
P.O. BOX 85147
Richmond, VA 23276
P? pnateu e6rasrrtvlovsxsYe6asrbl ,t deE
0.00%
Se Apt 1
aW Sau 271
Ho-e Phone Ah-W M.
#9023694670697246# MAIL ID NUMBER
KATIE BURD
m 1198 SHOREHAM RD
CAMP HILL PA 17011-6135
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drngas if You pay Mar total 'liw Balance, In
aocartiree W W 0104
he btprtrd Notice for paymwu below,
end k time for It m be eMud by Mar new etxrnere
ebaing tem. Thus e ro pro period on elf advarns
and apsdd trnefra 1. adAtrn flan Y ro tamr period
an enr trarraeton if you do not Pay the teas 'New
belreu'
0. Aeredg Fine tJeraa. Tranracllrr Wdrh m not
==.=f ar viteetko w ?dfian tlr Mme ttrf l
tramewd-1. prorawd to Vote Account r 3) from the
tint calendar day of the anal poked AddWonWy,
if you old not pay sr 'Naw Balance fiom the Dmvlaa
even t
m of
rot did
am adet
to. Meloa e
to=tal WY
total fir
belareas Of each wqp m each iiry, t
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etatanrhert (nsoe to Dalxroe cm fiore e
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x each a=m) TNs Owe u the MY bdrhu of each
tys the
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far
sepnan. Then, we add==
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awnsye dray belares o1 each -I.
3. Amdrl ramentage Me. IAPM.
a. The tam 'Amami Mr anugs Rne' may appear as
APR' an the from of Ne maN111rd
b. if the Code P ii dem), L (3- UWM. C (Ceafcau of
rotas and atneradre AW AL PERCENTAGE RATES
may wrv auartNV arndd may kerear w decrease based
r pm-xe; moral e-yao weence arrgr .===b;=`pad rh the wt day of Mar
dr alk" sV at Vote Aataad. odc aatement and.
mss devew Fer each bafig period that M se mwdr .Iashary141W= Ocubar.
t he ¦6iaet m a firma dwP, a miiYmen c. If the ado D (PMre), appwa O (3-mo. 1.18011 Z Gri??ra6aElodfr?pW60war 6epapiarycaetlaoed onKWturr aneadrhmpsee prioAc r+We) padoAc rates
(r filerathgernrl?0. ?y erwi tart Z iy err =1A.Lmw?a deaeeee based m the
leiiser ern Rrrwdare. We learn to to mryn geNoWy, dedred to yar. Thar dhamaea
err any w N fnmnce derpe• for arty given wit be effective on the fax dry of you Haig pedod
L each math.
adwoe 1 Now F ral-I. b. Ameawmed, N tau, oversee: and Rakmrd Payweet Fear
P M C Mdaled multiplying see daily Your w-eate wi be aaaamed no mom than two of the fees
6111 se- of yaw sown (e.g., cede tined hero that occur dining any baling period under to
rJrr, wader toetef r, sad spedai --demo) toms of your astaasr apnemenn war maenr tr rigit to
diy psdode "Now that hr been w-1- a not to anon rty isas wlteu pbr rotfcation Io
to Mat. At do and of each dry d= W thaut ,Weft err riaht to asseas the acme or .1".,
0.4 we apply is tYy =ram for es at e later time.
lotr ,tear[ to 0. idler of each b. Yam Aamut If s mwnbsMdp fee
on x ire had of the pabd, we add hap appf ti automat, you hew 30
f tlhar dsa,. adaYtkn to arrive at your cepeam an tr fret o nom the dale this statement was milled to yon to
n of for each 6ghwt. Wa add up the avoid paying to An a to low endh ice aadted to you
aadh as(Pnwd m alive x sn no,?rd?p•,?p,eri?od?s It you caned Vat swat. DuWg this period, you may
corodmia to IIISK err Yet.COlmr halm 111f ee?tWlt Illenlbfalrip fea.T0 Celldl v atOeal(he. 1M1 mmi
for e
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or credits pored as of that day tut w aaocated
goer Tti giros u the separeto dNy bairn
spnerd of Mom awed. Novvsvar, h you geld Ure
on, v- bairns eras zao w a aedtnr w In o (a
ti A*h pat to year pu dnse w rp-W
balances. air pwape daily bdrhr by.=N the We
Myaarr accent by uiang our Cestamer PNallome w
6. N Ym . _ Yw) AweawaMhaYw u yd delly
OePatrasrd. You newt drtroy you aedl udW end
sound a- dolts. tanul N pnsaWrdzad bikg,
=-=7 you do not anal
ranprlwds, w W candler
roee4 of a sharps Mar s dadzedon to ova=
scocura. Additionally, your account Will not
uhdl you pay al amaada you owe m Wakefi na any
transactions you have artlediaald,, ftharos ea", pan
dun foes, owrmh ter, Mt-red peymem law, cash
advance teas and arty atlw tau awned to your
awed. You an rsporuai for tlhaas amann Water
dey appear an your aeoaxt an the limo yywou rsgmrt to
due the account or they an'
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dumMar mgeaapxp rto dw tr .oa.d. Tlds easy rearit In
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PeoplePC Is solely responsible for this offer, and is not affffated with Capital One. Capital One does not
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O 2006 Peo*K Inc. Ali Rights Reserved. PeoplePC Online and its logos are registered trademarks of
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0 20116 Capital One Services, Inc. Capital One is a federally registered servfoe mark. Alf rights reserved.
eof
your aecaut if It has eeeady been closed. Pon -via,
if you a de rued a pudwe from a merchant and we
rardw the ttarrecdon fnen the
nwrdwd after Mar
arcoud has been doee4 Mote ¦w.orrd wi b mapped,
the ammnt of sa drrrQQaa?vN b added m Mar ewrd,
emndyourvhi he ta?weaele for payment. If them e a
m bs Mar?ped, m smr by W , 1rN >fb
petwmitaxi rsant brrtoe twe been in he s defied ebme.
7. Yoe Aewt.Yam old or aanmm cant be
COrrmrabl win rty adarot erMMp
8. Ned- Abet F7aeeerdm cheek 0-em bee. When you
pm%*b ¦ dua ae peynent, you aalerlee w sew to
use irhbnrutlwn from yon eI I to make ¦ oe•Wme
electrode furd trwfar from your bads awn or ve
process to payment se a deck trrr
use in(amatlm from Motedeck _,d When w
en electmr&
keti tracer, finale may b dari a avm from yon beds
owed r son MO.=
ley Ws reodw your
1iw-Aal k w tlakn. eiw your dealt 6aelc from
BIWNO RIGHTS SUMMARY
(in Cw Of Erom Or Ohe•eaha Abom Your Bbl)
Il you sik Mar fin b wrap, err If you need mom
Infreatlen an a tranractloe w MI, wale m u m s
saparew sleet a soon as P-16. at the addms let
kWAOM 2110-1 m the from of NO SLMWA d. We meet
hear iron V ro later tlwe a0 d2ys a1wppeemd V war •an Ycu the
fret Na an vhieh 01s enrol err Pratlere acu ran
call or C antarror )idatluha ember, but daig so vAa not
=pr=srys Maur rigim. In Mom afar, give ue the tdW.*V
in}dmhalloro Mar Nrhe old swam nubs, 11he daWt
anoun of m mrgsctW ,rot, • dascdvo of t1e error
and an et. If h you if pusfie I W?Wry .you bddet ohs
th ern; w hoer mead mom Mnation a l
sha hen you aro -rue about. You do not Nw m pay any
amrat t :ma
war are it, hear you
aroshe dtagslsd tc pay it. pan,
qumrdon, hlNi am rot
M quastlan. YNYIe rm YnslfpsM Vas wo ranee
report you as MLr k or take arty action to collect the
wosn you q estior.
i,t special Reds Far Credt Cord Purchears
It you hew a problem WW the quality of peo wty a
card and Y_
hew Ided In Yar bah tocarrect problem WW 00.
mordent, you may hew the dgie rot to pay se raasirinq
anamd doe an sr y at ewAces. You hew No
Daly, sha pemlu?at polo was moo than
a°f01so.o°C"o rd se µadler was made in Mar hams state or
wade 100 min of your rnairg addrase of we ~ or
apwate the rmmhm4 w N war mN- you the
aAaienot for to praparry, or serKces, N pmdlres
=X-md
rommh6er-dd - M -:==of pudhaeo.)
t Duo rot apply to Careuerar non-aradAt cW actouma
d Doss roc spay to bash.. mate-.W and accounts
Cniul one open intomNm privacy proteNet wore
wDrta at www. can.
Capf W Orw Is a fedwaly m?tasd service mark of CapkA
?1OUl One r Corporation. A71 rights reserved • O
C ILLOLBAK
anent fi
hied to 1
td TaaPan
rgrt roper
2. A ?gvaye Dal
e. rfrhann e
4189
Important Notice: Your payment will be credited to your account as of the date we face!" 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 sane day we receive them. Our business
days are Monday through Saturday, excluding holidays. Please do not use staples, paper chips, etc. when preparing your payment.
I / First 3 months half-price
a nisaft
4 7
SaWmo. *meaRer'
SIGN UP TODAY!
1877-778-1207
51 38634189 Mention Offer Code: ONYX
Or visit www.peopiepc.com/gotonyx
CapltalQWa
Account
Previrnu Balance $ 00
Payments, Credits and Adjustments $.00
Transactions $300.00
Finance Charges too
New Balance $300.00
Minimum Amount Doe $15.00
Payment Due Due October 23, 2002
Total Credit Line $300
Total Available Credit $.00
Credit Line for Cash $300
Available Credit for Cash $.00
At your service
To .2 O tome ReLtiom or to report a It or mola Dark
1-800-903-3637
Sad pgmeuu toc
Attm Ranittaaa Proceeaimg
Capital Oat Swiss
P.O. Box 85147
Richmond, VA ZW6
003
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..y
8 S SHOREHAM RD
Cppp liflteLr)q W IWOigg
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
AUG 24 - SEP 23, 2002
Page 1 of 2
Payments, Credits and Adjustments
Transactions
1 26 AUG LINDSAY'S SERVICE CEN NEW CUMBERLA PA $300.00
Capital One has joined with Progressive Auto lnmnnce so they can provide you a fast, free rate
quote with no obligation! Call 1-877-397-5374! You could save $400' by comparing rates. Mention
code P700. *Possible savings based on rate variance of annualized comparison rates calculated by
Progressive on calls received from 6/l/01-12/31/01 (excluding variances greater than $1000). Rates
and achel savings will vary based on driving record, vehicle, address and other factOrL
Finance Charges Pkamteerevaundefarimpdant in/6rma wn
4dor_d ntr
apjlrlln P1We'We , CamfPR `
rdr PM4
PURCHASES $.00 .
CASH LLD . 040$2% 14.90%
04082% 14.9091 $AD
8.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
? PLEASE RETURN PORTION BELOW WITH PAYMENT.
Q? 0000000 0 5178052138634189 23 0300000138690015003
New Balance $300.00 Pkap.wddtaa,ari "? ria{
Minimum Amount Due $15.00 sr Ape e
Payment Due Date October 23, 2002
I? Cary Seas 22P
Total enclosed i Hamer Pb„t Alt-W Phone
Capital One Bank
P.O. Box 85147
Richmond, VA 23276
I11 11 111113 111[lltBull IIttllgill ttt11ut11ttd1tta11ut11trt1
Sadiagwis to:
Capk d One Strum
P.O. Box 85015
Rk1k-d, VA 21285-5015
#9026794670697241# MAIL ID NUMBER
o KATIE KURD
1198 SHOREHAM RD
m CAMP HILL PA 17011-6135
m
r
Pkve w to 5178-0521.7863-4189 ony c&rk or nwxV order made payabk to Capitd OwBaoek and mail in the eadxedemxlope.
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ta. Gear Paid. You ell haw a mWrnan grace period of
26 days wfthtad &whas Uharae on ?spudrsr, r
halarw trarfen, row aPmlol
Wrges If you You total -New acres', in
axmdrhce wkhh krp.Ksr9 Nodce for paymrm bsbw,
and in tine for It m be txa k d by yrr roe amo ssom
ad?rh? Is prate pried
rid ipedc traWae. E.
M vrrscdorh N you do mil pay dr malt 'New
b. Arid" Fit- Ch.". Trarsactlon A kh as not
ircdr data mUhs kinretlr+dhon dr =1)
hr-action Is pracease' m ymw Axtant or 3) fran the
ant raI I day of the taverns hip oedod Aditltahaay,
Nyou old roc pay too 'New aelrnoe lean dr pnW-
Ywbal"r"M balance, wO to upaH balance Y Paid In AA
7He mew toot you may sen owe drharw dhag wen a
Vtaa pay dhs amdn Nwv aYro kdoud on
tlr fitaY of
yam rraserrhera by to next smaomog cloak" dm, bur old
not d m for theapprpsrarGOrbnlsnmid (kpald fhw%ce charges
t c. kadn.rr Fkrw Fm sad. bN" pedod that
Vou amours b spat to a *-- d wpe mInIn
t
191101 lk--. otal FO ANCE tlM Y?A ?oUrE?f of $0.50 vA be' ?
psrsuan yam
wiasso mWA far Yss dhan 10 60,dwei vita a,. tlrt
raid amurt dro P o W60 miirdmtra and do dflomme will be
t d. To.prry RWtlah kr Firsa area. N'e craw Ys
d*t to not sseaer any or all Mane dear for ry Gown
2. Avaraaa?a Daffy 0alrrr 16rVrina Now Fudraaal.
a. Fin chosen Is calmd ud 6y midplyiq the dolly
balrw of each sst(etam of ytaar acxra (e.g., mash
draw, prwdws, apscM "em"er, a i apodc Poduaa)
by the ada==ohadrdrp dally perlodc meet) tat hes been nky
oabd ors to y- d At d W P loof each de n to r
rdh
fo
agrwg of yrr aeomad m tM bdnc?e m rdh
r{/rhsma. Tien x tla and M tlhe period, ws old hp
tla marks of drr rxdmlate m ertw st
D fire aseh era" sa to a salve at the total psdI I
ihafw cWas for amrnt. To got its dally balms
tlakp prod covered by tits suterna i, we take to
beQrrip ball- of each sop mt each day, add any new
trmrsclon to ear and oulmet cry ps?nergs
m eredu. (if the Dods N appean an Abe lard of di.
swomem next 1. '11.1 Rate Applied To: we dm
rbtnet cry rsipald Maros durae kit kW d in the balance
m "Cheat) ilb des ado dly balarw m sand
t
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mamba of rip In to blNhp padodtldTHae qiw ua the
average deny balance of each wpnant.
3. And wwhtpa R.rs IARM
a. Ths arm '/ewe Peace eaen Rai may appear as
APR' co the from of rib stamone t
b. If the code P Ohl". L pine. UBOR), C (CerdSGts of
Depoahl, or S (eadcad Pdmd appears on to from of
tlb catanare rhsd m Vhe Padodk nn W. 9s esdode
rstr and mrnmmh?hp AMIAL PHiCBlT MTES
may wry Qrrnily rhdmaV kvrr or daurm baaed
onto stated khdfor, as bud in TAe War Seset
.lama( pus the mspkh om/oWy dmbmd m you
TMr dw?a vhw s .;lest m tlr serer=dy
m yoke
bang pact xvaed by yam pedmlc .do ender"
In der mrdr Jraaary, 1(t+, and Odob,
c. If the code D (Phil, r ne. 90Po m O 3-
(IaOR Repriced Mors" a n r to 11.9 of ywr
statamrt nod to to rataW do rstr
and 4newool, P6ICETIf - 7tATES may
decrease based on 1ho
mast =yy mn. bunt In-T. %-W
Stmet Jame, pa
the many. previously doclosed m you. This Wrhpr
wW be stkcdw on the 1rat dy m your Dieing period
each roomh
6. Aswrrm of Lan, Wring and Rationed == ar.
Yom accost we be aamred no mon than ins
lstd taro dot octae ddk" any bWr" paled Under its
[eons of you custanm spawners, we mere its dgm to
v slve to not to aver shy tar wdddr m(a hotlscat on to
you Wthun -Ivk" our ddht to assess tM came m aimNar
Ina at • later [lens.
6.tlbrrwkhg Yam Aeeara. N • rrhwrhberafip fie
epprn on doe trtae of tab entamard, yet law 30
rip from the dm 1 as to how t par marled to yea to
avoid paNr" 1M im o to law such it endtd to Yco
i} You lined Y" aeeotan. Dudna this tlo petit, you m
tamkare m ere Yev ascots[ wi vdUham Itavlrh010 pay the
e
mad6mdip fas. To lineal you
nodty a by Capk" our C'=
ad rv vour'Now Balance' in I
N Yom rise rev Assess. YOU ear cusses to Cleae
==. by Gang am =-C Rdclas
a You mud ,barmy y access drela, cnc?c all cods[ nlr W
accoootan ue e
tl pmsardnmied ed Ming,
ad caw eud?bp?lymoqur atxasa. If you d not Cancel
recollot am drren Mr atifthadon m mopenm Mar
account. Add ionaly, yaw account will not be closed
tore VW paY all amrlour" you owe a kwitANI. any
trrraditar yam haw aWaeasd, Maw Wrens, past
duo fins, owmlkclt fen, rstumed "Woo loss, Cash
sdwnce lap and any odor far assessed m you
arxxsaa. You an rstprdWhN for them atnoud talon
-quest
== rerrnr vo: atN mdsear8b-iegt to m
Your raghaast m der Uhs accorra. Ttb mY rearil In
Wit!! appsamk" r Y?? axmrht ate Von hoe _
yew +xoua If It hr skedy been closed For example,
if you autlcdd . pudrr ham . mrdord ant sea
rrdw the tutasctlan tern der mmdhru ohm Yore
acc-M has been closed, you accent wile be reoperad,
tla =Z= d m your oxen[,
and 1 nor p' thr fe fie n dhrs h s
meroemp fee for yam aeeonra, t veal cemtYas
m bs tiwetl, m the raerP p -htsd by Yw, 10 the
shears taros Ins been P? b leis r dsa. row.
7.= Yrr AoaouLVar Gad m accost carrot be
with cry hmmm 9.,Q*"
S. Nabs Alert asaosaia Clrsak tlernerslah. wM you
pre" a shack as Pew2 you aWcds a all:: m
use kdmnrdon from Vou the I to make a onetkne
esmrmriefud transfer titan you brk account er to
alee4mie
-W=930.11 1gr dreck to .it. an
hod transfer, Ards may be wid dram from Voter harsh
ensue r tam r ds errs tW ors tsceihe yorr
prymem, rd yse wit net receive V- daek bxk fro.
your erhahdr irnstlmdn
BILI-INO FOGI B SUMMARY
(h Car Of Fume Or Guess- Abed You Bill)
If yw dhicc You M b w'm". m If yw mad mom
Inbm ace w s l enaetlen m bit, wdta m om m a
sepamis doer as soon as passile at the address for
Inp/rir slaw. on to fmd of fhb atatrnre. We mat
laar tram you ne bar ton e0 dye ilia we erg you the
first bM on hdidh to error m poblrh appeared. Vcu Gn
GI err Catmrr Rdatlers ramber, btd dok" m wA not
ppeensrcew t; ddnt h ='=' ve a M bkmWq
abkmo of yam rwae order, der doom
non[ of its wapeerad error, • dreeptitah of der anon
ad tan elo onlom It Paalbb' m You believe taro b
r anon; m If you reed more I a description of
the hem you an ere about You d not hew to pay arty
anvrn In gasdn vdie we am h, Dut you
n eta obtrtd to pay iM parts of You itch an nr
in Wtib we Inesdrta rssYph wo carrot
report you r daMf(cem a lake pry acdah r collect 1M
anoun you qurdr.
t,t spatial fib For Cndt GM Purdrer
If you hew a problrn wkh die quaky m pnparty m
rheas tut Vou with • erect God ad you
law told N talk m corssc tlha ptoblam with"
mrdsom, you my love use dgk not to pay da sem imp
satotm dud r to pmmty m aenfces. You how No
miy .=P= hrs pdcapar mom than
J5P 0.00 and to pmare your bane date or
whNn 100 mss of yaw mail;" ad . (if we own or
climate Ilha mamtonl or if we nrdlsd you to
Near" Hof errant m location oft.) all czomspondsm?
t obss Am spay to oorueer -co odic color aCcOmIts
3 Does sot apply to bmrboss Acn. mcaf tad oc W.
One supports kilo nsdon pdwcy pmtecdon: re w
at www.captWone.com.
One Is a rall Y rsymersd smite mad of Capital
? Cmporatan A7 d{?ds reserved. a 2003 BAK
for ern segment at yrr acorn, we take der boom lig
triton /or each rpnrs and add arm?wy new tmractbrr
rd shy prbde ire d-W ccaYnd on the pmevba
dyes berw for tht rpmwt We rhm wbtraa
that - d Th
m
w &
. b yvr a the saprm dally bdwm
for each pru of -=- ua. lkaaevm, Ifyou the
New adaw ".Z - yprwiors axenrara ti (a
N your row balace w,r xsm m s mat area), now
treroadorr hdddh Past to
Ymr pudhre m apecd ts, Gl the ?61ly b mby a4 IN tuba We ds?y
balror m=- ar atd 3Ndrtp the rams br to nnWr m
the dye memo bi lho To Glodau Ymr anal
Maw dwen, yaw "weds daily balrca by the
day, pembhae nm ad tr nmWr of days in the bill"
Period Ala m mtaMr" r • day Dads, ton :=be •
TM vsdrtcev drrrw? rd tm
b. N On cods Y er N ?paera on to fine of dis xxemmm
nett m ?aefrce tuta AppMd Towo rmhlply tlr `
3e940M
Important Notkm: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this
statement end your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments
addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our
Washington processing center must be received on a business day by 3:00 p.m. PT. Please 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 some 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.
11
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As a handy reminder, detach this coupon and keep it in a secure location for future reference.
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200628
PR89RJf3TM* In association with C1l+eMI10 '
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CapiftICW
Account
Previous Balance $300.00
Payments, Credits and Adjustments $300.00
Tnmactions $.00
Finance Charges $.00
New Balance $0.00
Minimum Amount Due fti00
Payment Due Date November 23, 2002
Total Credit Line $300
Total Available Credit $300.00
Credit Line for Cash $300
Available Credit for Cash $300.00
At your service
To aB Cwtoma Rdatiom or to rgw t a last or rtdai -a-
1-800-903-3637
Smdpaymmist. seadingaiutst.
Attn: Rmiatance Pr-ing
Capital One Sr,.- CaPWOne S-1-
P.O. Buse $5147 P.O. Bas $5015
%&mad, VA 21276 Rirbmo.4 VA 24285-5015
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
SEP 24 - OCT 23, 2002
Page 1 of 1
Payments, Credits and Adjustments
1 03 OCT PAYMENT RECEIVED - T14ANKYOU $300.00-
Capital One has joined with Progressive Auto insurance so they can provide you a fast, free rate
quote with no obligation! Call 1-877-397-5374! You could we $400` by comparing rates. Mention
code P700. `Possible savings based on rate variance of annualized comparison rates calculated by
Progressive on calls received from 6/1101-12/31/01(cwhiding variances greater than $1000). Rates
and actual savings will very based on driving record, vehicle, address and other factors
F-buince Charges Pkaxrat rewserideja imfortaxtt7E
ita?jlornratwn
Bdnsaneh PerioLr Ca+elea8iag 1:17A1C
y¢lrJa re .fPk
PURCHASES 5.00 .04052% 14.90% S.00
CASH S.00 .04052% 14.90% $.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
4287
? PLEASE RETURN PORTION BELOW WITH PAYMENT.
4:aPitalow, 0000000 0 5178052138634189 23 0000000300000000007
New Balance $0.00 X-preetaJior4.m k1--a rH -K k ,k
Minimum Amount Due $.00 g Apt
Payment Due Date November 23, 2002
Car Same ZIP
Total enclosed $
Home Power Alkrnsa Ph..
#9029794670697248# MAIL ID NUMBER
KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 85147 m CAMP HILL PA 17011-6135
Richmond, VA 23276
o ?
Pleme write 5178-0511-3863-4189 =)- rberk or money order made payab/eto Capita! One Bank acrd mail in theendoredenvdopt.
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1e?1le asdI1 appoW or bps araanre a aaaq a rew ill a aeryks on a two leer tsntrad
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MLtdr afds,g%dlor floorad aMr ham sop q? reetrlgiaM well b/ der IN asters. over
dAiparlaa Holbva are ndbr edditrNa
d QrgIW VRrahsR LLC.pay?pyt?,??yry made of Waehr, LLC. t7..
Wiraia and are pnplerllldeis ldydYa h10llY i w of Citpler Waaless LLC.
O 2005 Chpln Wirers, I.I.C. M dghb swerved.
Whimme, ClnW and Wkalys are responsible for this offer, will are rtes a(0(IMQ?81;?NStaplial ft does
=, endorse a pwwa and Is not aHha(ed with, product product or servla aMywt here. Any trademarks
ands are =owned by the respedhs silly. M dpna reserved. By MW AN to thin other, you may be
commu Taft h inns is about ymMelf to the cor pony flat povides this product - for eaanlae, that you arc a
CapOa oil 0t:MMr.
O 2005 Caplbl Ora Sefvktre, Inc. Capital One is a ledehby reghtered service mark All rights reserved.
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tihb rarsummet need to are
eiode raieW
the osdode === - as trr?rdlem When we
ear d..k m M. an
alscmoNe
ft.
n
,
hoa
halPs ha
ere
o soenM
M pr
o
yam upsN * ' uN tlr unpaid baWr? Is paid In AS. p
,
rNr ad mrhera?q AW IAL PE 1MMAOF RATPa y
kM uw.W, fade my as Wdukei st from your brit
Tlds ores fleas you may ri aw tierce drhpr, wan H
the enema flow 9alar to bhdinmed on ties has of
a
m may wry quanMy rd mry inarr r darars basil
m the rated Moak om frail h TM VaN Stmt axon r scam as th err 6y ws rxdw ysr
not not macoive yam dhedu brit learn
ms
and
p
y
V
you aatresm by des row srommet "I dot, but did Jour( pan the maadn paMohhty
disclosed m yet
Tl
d
i be
fie
tl
h l
d
f =
,
==
arwhrJY Mhalon.
no
t do me far the prsvlor moth Urpold ants dhalpr
am added m ties r- of year Account your
ses
Mrgr w
s
e
m t
eas
ay o
tllbhg Paled mvahad 6y Your pedode sea memma wing
BBLINO RKWTS SUMMARY
t c. b/rihesr Fahshhss fArps. Fr each hYrhp prod the
ii In 1M maxlha Jrnury, qpg key ad October.
If e
d
b
F (l
n
IJBON
O (3
D R
) (In come Of Emote Or Qumod" Abed Your mq
If
di
bill b vw
If
n
d n
.
k
goes gamut is ri(sd to a dhrhco dupe, a rr
man
60 wN b
b
r
o
iE
e
r
d
If"
mmai FPNNCEE CCKA K
orr m0 e.
e
o
e
o
o.
r
-
t o
,
uBOR Repdod Mardihio a?sm on des from of your r
aq, r
you
Z
ysu
you
s
InmhmWm m a urrscUm r bill
wiN m u m a
.
.
rp?
be
p
g
tl
o
m
hi
x
60 eamemom
ma m
dodc5
i
a
_
? ,
seposom
possible
d
m
fr
r
t
e
palodie rarW 61st Mr s0
, v.s wi a6rrah
fleas
anmut ran ties fQ60 smbissan rd the dllesrde wi bs aw 1
JINaIAL
GFF
m
6R
FW
y
wry?may barew r deurae bra m the, is
arnent We must
Im
sides
~
l
om
of *"
str
hear from you w law frame 80 ddeelwve after wed serf Ym the
X
hied to, des pndMr egnem d eccwm.
W
d
R
d
b
b Fi
h awed ihdicae, as fond H TM wile Samar Jow.4 pit.
e
fl
l
d
c
d t
IT
d
l art bi on vide tire error r pssblrn app
. Y sear
call ou Cohme
Rtlatlrr nL=
he ddr
so wed net
ne t7rpa.
a rorrw t
. Temporary
e
rr
n
e
t
dgMt to not area rey or ad IMrroe dMrpr for any dhmrh ea mason pru
a s
y
e
r
o you.
Mr
wg
s
We be olked" m es' Lea day of Wu Ming Pod ,
q
r
psewZM Wur doss. an your ietter, ove um the kawsrq
Miug psMd sac h mash nI year memo rd w ail- number, Yu ddbr
2. Avraps DYy Buhr (YhNhiq Now Puslhasssl.
A 0. Aasahrt of (ace, Ov~ rd Rsbrrd Paynhrt Fees. amour o1 the rrpxtd area, a drespdm of the armr
Fbunes chm b ulrlsud by mh/dplykq 11r dWy you acerrt wN be sword ro moth thou tvw of the far and rh aplrudah, H passible, 01 Wry you =
11
bdr d each sagmem W your smaat (erg., ah wan hoe dot - dubq any being period timim the om tear r It you rod nhoro
in a
1
advano, Ardor, spsdal -far, rd spodal purchase)
ws rrsrve ts 4W to
saw apermses, ti
to- of Z:: abou.
the ran you aro mete You do m new to pay arty
by the dasy peeled. mueW tut hr been walw r r try tea htet plea netlScadon to
.
d
h
k
a amws in question vie ws an h, but you
bl
W
W
t
d
he
Pevfaslyy to you. At the end of each day d=
tlr hiq pried, ws apply the diy Pariodie new br arfi vdrA walvkq our
os to aril t
e err r a
n
ar
n a lair tier.
' o
pe
are s
m Pay
he feu
year [
t aro not
In qunrrlwt lM=, mdes your gheadm we carrot
a
t
sepresrt of year a®ut m dw dWy Wrhm of each Mwiq You Aerhre H a mah..* ts.
6. spat yw as s
uke
rry adlan to edbct the
aapnsrt. Then r the and d the burp Pa1od, wen add hp afprIs m the from d ilia stremas, you haw 30 amass you gjosdm
tie lewefe of tlhees daily colou6tiorna to rd- r tau
dd
f
W days from the date No staff sm wom mead to you to
t
W
id
k
(
N
d
d
h
up t
o
perlodie anemrs dogs for each asprhrrc
a a
heaulta ran eedh sgrmam m adw at the mW poelodie hp t
w mu
ee ue
t
to you
avo
pay
se r to
s
e
If you u:ancd yam amrat. Durkq We padad. you pay i,t Spodd Fees F. Cmdt Card Pumd r
anerrs dherP for you etcrrd. To got the Dalrhm
caminrs to use ysur agar w dwA heWV to pay tne 11 you low • pablrm ydlh tire quality of phpeny r
w each aepthrt d yam gamut, vhs cob the MpFsiq
balanra Yoh were sephrt and am rarW1y row tmlhaa.tltehs menieMip (era. To eaneal yam auxar. you mot
rely u by colarq err C?Mtamr Rsletieme De(Mnmart
" senior the ysur whh a erodt coal and yon
haw tdd h filter t tamest "prahlan von the
ead rW padodic arhrnee deep cakdgd on ties pwA-
days baWhd fr them aa
swt
we flan redact r erd pay New BWre
In full Wedudrq tiha
rrhrrissri
lee)
dr, to to end of flea Nn
4s
eriod merdunt, you may hew the dom nil to pay ft samairing
p
.
MWOOtd
cmeffies
rt
?
g p
f
y
y p
.
& I
f
Y
e>
o dome
M
Aeq tea y
wed
?
t smo nt due on the p?My a ar0ces. You Nw dig
oriy vhm Ms Pndhura pop was mile thin
Drees
m i
nwt Tli wp
s
baierh.s
tion 1s? sere ae(Prwht d you amour
l(ovrsher
H yw de oa
Ur
t
tair
Cu
r ke
htla
r
yy
you
moat drtm your cmdt cords) and
Opa
mnem
y 00
5
ere pudur wr made M you firma sate to
.
,
lbw Fyalarhco shown en yam parNaM ataOrlMK h
(r
' . eccsom
.coast
heeks, care N psrded:d balkq,
c thin 1 0
veim 100 m d yet If vs. adera Vo Of we own r
operas tire moo aatlhrd,
H
w
e moWd yw the
r
.#" r aro r • aadt r d), row
per m yam Puadhaes or sp aDaceal
=d-. sal ears you accouad. II you do 0 not erhod
Proaudod=d anamhprnama
ws wi
ahnidsr pl
op
r
ly
adverfloomene
e
oss, a
wsa met adbd m ties dally belarmaL Ws
p
arLaae sep a
da
s the das
d
b
l
b
l
l
t
d
ll
.
reco4 d a Marge your aL*wdzedm to
Foopen visa
AddiaerW
ane theoanm wed not be domed aro eowrod ropardase of amaem o
b
of grduse.l
Rees mmhaxber m a{ph N caneyacatim
ro a
y
es.wr.ge
o
omme
ca
cu
a
e,
o
y
y a
ti
ys
W
n
w y, v
=
ms
k
? t Does not 4AWY to oarouaor aa-ft and xo usm
es
anrt blare ovals. To
Wodre you total
M
ties
ante deauk Vour awraps bWhr W the
dNy psdodie mpam, by tine roarer d-cb b tits beep tra
you he wed, 1
dwegr
pW
due ter, ewdirdt ter, rerarlhod Peymrt far, ere
advrno to and any asset for arsrsd to your 3 Does rot apply to b shmms -0 emd accounts
Dadod. Due to roundimq on a daily Imah, dears may be a
saolc vadres belwsan 1!i Cakeeallon rd 7th rmrr of eccous. You an reaponal6la for tlMSe amouhh whesut
Uoy appear on you eemumt n tie fir you regrrer to
GqW one supports bhlelrrhalerl pdwcy poucfiurh: sr out
arwca Mom aestray aaessrd
b. I1 ire core 7 r N .pears on Ur Tom ;=
t rnrn der the aCaan1 w trey aro bound rMequrt to
pu raquer to der the aomuas. TH. may owls In at wmy.caphowM.eom
C+pHai OrM h a ykgdlar
myetmd service mrk of Capital
ailly
O
R
d
l C
ti
N d
a
;
row to 'ad- Rao Apdid To,. wen tie
aeemm ddv balrhco food, asonrt by vane rmh ll, desgr rrahg en yam ahxwht afw 1*rr low
reeuestadd== m b dcosd r tie raeeanke d ne
rmarn
a
opaa
on.
yms mwerwd
2003
Capital QN 01 LOLBAK
4297
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.
5620060,
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Capital oW
Acornmt
Previous Balance t.00
Payments, Credits and Adjustments $.00
Tranlactiom $59.90
Finance Charges $.00
New Balance $59.90
Minimum Amount Due $15.00
Payment Due Date December 23, 2002
Total Credit Line $300
Total Available Credit $240.10
Credit Line for Cash $300
Available Credit for Cash $240.10
At yourservice
To cell Customer Rdataru w to report • let "at" rark
1-800-903-3637
Sind payments to: Send ioquiua to:
Att.- Remittance Pmonsiag
Capital Servim Capital One Servim
P. V2; 147 P.O. Bm 85015
Ridmond, VA 23276 Ridmond, VA232U-5015
Inmortant Account Infornaation
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PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
OCT 24 - NOV 23, 2002
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 10 NOV ZONELAB'E-SPORE ZONELABS.COM CA $59.90
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Finance Changes Pkweae reverien*ltir inrpatant iry6rmstion
"b d& r1r AYIC lrL
2 PURCHASES 8.00 . 04083% It%% 8.00
CASH 8.00 .
m 04082% 14.90% 8.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
CaPIWOne` 0000000 0 5178052138634189 23 0059900300000015001
New Balance $59.90
Minimum Amount Due $15.00
Payment Due Date December 23, 2002
Total enclosed $
Strset Apt 4
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Hame Pb- Alremarc Pla-
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KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 85147 CAMP HILL PA 17011-6135
Richmond, VA 23276 e
m aa?
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Pkare emite 5178-05214863-4189-yosc tba* err money order mach payabkto Capitd One Bank sad mail in the mlwedenvelopa
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21CAP
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affl,11 day, 80 any ncv?
or .1m. Of tcode N spq?0 ?
M the ?tmtof dills
statement nets to 'Balance ReM AppNW To,' we Am
subtract a y unpaid scoes chary tlWad in are balance
of each se us to daily balance of each
sapram. llwu we add up .1 to daily bbalawa fa each
aepnae fa the= pp?bd and dvide by the out
nnma of eelw o the bin dated Title des us the
t 1. each N N
Important Information
Not ag of the companies that advertise In Skyk%ll participate In discount programs. Therefore, the discount will not apply to some products. See Web site for complete details.
--Pia aNppkp and Pump np, plus applicable talus. Shipping and herdang war vary by order. Shipments b Aamm, Hawaii, Pue s, Rico, Gem. APOs and FPOs reds s additional $10 Neppig digs.
SkyMa1 is solely mspoeolla for the owe, and Is not amaale0 wNh C.0of One, Capital One does not povoe, adore or guarantee any product or asrvka shown tem. By responding to We oiler. You may be
cdrrreashiceug khonnetion abets youuw to ae company emu pvAdw Ws pro"- for papee, that you am ¦ capital One cstomec
0 2002 Capst One Services. Inc. Capes One Is a ted." mysemd service med. AN Vma meerwd.
1. How To Awid A Fears Cherya.
to. Oran. Nod. You will have a ndrdnmsn grace Faded of
26 days without sirens ch. m row purchases, rota
balance varrfen, new apeau psdsss and nwv Dow
clumme H you pay Yow trod 'Maw Bairns , in
...orrWnce witthe btpoom Notice for payments babe,
and in dm or k m be crs - by your mad statement
ck.ip data. Thin b no V•c• period on cash adi anceit
and special ve efen. In adf ^ them fe ro Vac• Paned
do wry tnrrscd- if you d, not pry the oral -New
It. Aasuog Fin- e. charge. Transactions which are nit
aspect m a 9r•p• paAd re aaeaad tiaras
hdn the dare d tie trarraglah a 2) trim the
yam unpaid balance trill to unpaid balance
Tlia msrr that you mN eri owe IYsam c
swim Ntwv galaro bdrmd a
you pry the
V. by ??? In
do Pwe ?
Ih. ?pgcehN wOrsa of V•ua
set added to
t c. Mbimam Fihrha. Orarga• Fa oath W Wq p
yon aocoua b wwpyfeautt te • eh.ae dharye,
toW radhkNCE i]Wt6E of 50.60 wM he Yn
Periodic rOWA m tw en so.nu, vve vvr
anaant form the 10.64;i rmnidhretm arhd tlm d
a?mrsrw of axww.
blind m the purchase
t d. Tenprary Redueliet to Fiats akar h. We roser- the
ripen to not area at, or as ikearro. tleMos or any given
2. Average baay a.lmee 1Yhoitiry N.w purdm.e.l.
a. Finance du%e Is eNmd.t.d by naddph" the dally
balarce of each .sOrhem of yaw account (R¢, rash
ad-, purse, special umefer, and .papal ptrd-)
by the careepodr delay paI I rau(y that has been
to you. At the and of s.ch de=y
=J', 6i y'==t he pe oilic ram
de Munca of sdh
the Tof them, daaalland of Umdmd?idiotr m a? w a?dlykaq?a up
rewRa from sdh elelprhaw arrive at the total pstbdcw
ahaam dwpe or you account. To got to daay balace
or essh astpmuet of yaw aeeotsa, we teke to badairkg
bslarra for each eepmeant and ON raryhy neor tJamadd0lar
rd ant' arearam rlrr? calculated m the previous;
days for lM sepoent. We then aWaaet ay
psyeme at or credits posted s of that day that are M%c. d
da•y bellrws
to then .epmhat This divas s the sporam
for each wpnaht of you aaava. However, if you the
Now Bsl.rhes ehevwh - van phevlar .tatereeart M (a
N you raw bales cos zero or ¦ credt aerhoueltt, new
rrarraWarh. which pea m von padhas• or aprdal
dAv to the by d ON the we
the daly
the magepnwary asemsea m yes
tai bf w m the lbat dog of yea
oowrd fhy Y•ua pedals statement
•^d^t
raw
amp may rmre.s or t.aaeas ,ease do .mel
eme manila prevloualy da In ck? d to SOON JDM-A PIS
th t.Mnge.
VA be stlecdva an the that day of you Naing pond
Asoweard d late, 0,~ and RA mad Payment Feas,
your aecoua coal be a.--it re rpm then two of the fees
New hem that occur duiq any being pedd. Under the
tams Of your ar.ormr agree.eet, Yes reserve the d* m
wales or rot to asses any fees vuhhow pflor nodlcatorh m
wffhow waiving oar right to asses the sore or similar
Opp.12 at • on alts t ties.
gar from em of of d. ti N ema rr mievit, you w hide 30
d
days oban the o statement was was
day deal this such fee chid to you to
avoid Pa cancel the a to wi how law ells your s fee ended to you
it you n
you a u t vMtide period, you may
candies, too a the to use your account
account, twig to ply to
msrbaralip ins. To ax0 vvi To rarest your acoout, you mart
& H You Close Yaw ASOMMIL ='=W ads
hg
Osp•nmacc Voce mug deNout
roy v- ..0 dvid cmdbi) and
haasa access deeke, tmnccN ant prsrNrodzad taking,
and cans 1Mi1p your shears. Ii Yau alb not corned
F celpit of ac charge Vow mehoftellon e, cow Ni?soCpOellnalydoaur
account aAdditionally, yon account YYM rot ha daaeri
we you pay as amasas you owe u. Includia ay
transactions Veu low mahodzed, enemke charges, PON
dim fees, ovuWrat fee., imumad payatarm fees, cash
advance fees and any Nita fees a.aaaed to you
account. You am r•aP•re•eb or time immune dettet
fn•Y appear do yaw aeearat a the toe you camel 10
ciae. the atxourt a try sn inured nb*PW M met
your mWast to doe. to --m- =Y. melt o
one- aso.ariho em vow account hew
N r account if It has already been dosed For exempla,
you atalmdzad a purchase from a madam and we
receive the to re edfot linen the msrdmra attar your
account has beat dyad, Volt ascot wall be mapaam0.
da anww of the dings tai b=- to yea eMount,
and yyaou e?d?it be trpaw• for N darn a .
menmaetp The Tor yaw aosue, the ae will civairim
m be daaaad, m Am arise pm 10d by Nov, r dr
accouK Wlrnes Ma been paid M Li s delked above.
7. t1Ahlanna Your Aeewd.Yosi card or aeeasa cannot be
umeAv whin any iw.ma gemhgmg
iones.
e. Nelfe. Abort 9elsori fJheait am-ralar When you
taw inillonnedon iron Vot?drek to
to make a one dme
degrade And trrrfai from yam beat account or to
prom tlr Fpe?y tent s a deck trarseedo . When we
aNevoNe
ass idohnhaton flan yaw check to make an
And trr.W funds may be wMd -flan you bed
account as Goat as the sane day ova madae you
payma v, and you vvi rot recd- your deck beck tram
ymar lihelnhdal nwiosion
BILLING RIGHTS SUMMARY
Iln C.- Of Five 0, Owed- About You BM)
If you d" yam via Is -org, a it You red more
a
inicmadon on . transaction or his, wale te u on
a .I. alst as soon as powWU at Um addrea fa
iheedtwo drove on tro front of the statement. We must
hear iron you - taw its 80 ddssyw. afro we wan you de
1119 bill afh w/iC11 the amt a phahiam agmaed You can
ram out Clatterer Rdadan rwnebor, but doing s wM not
passe you r{(las. o gar boar. ehi• u Ube foYm+AnO
amount of t of t dya am suspected corns and able, axa • description ber, the the a oat amt
aa i possible, a
and s siglarutan, If II pe.aNes, ofWy you balow dare is
an arto , or if you need mom Inca-1= a description of
the hen you are wean about. You do not haw to pay wry
annum N Vitas tam am n, but you
am e1M o abd m p.y the pare of yaw that am not
in geaalan. tam Ymwaamwb Ya+., ova anal
amount y ? a aloe any to coital .
f,t special Me For cmdr Cold Purchases
If vw pew a prohlen whh iheWINy M piop"iy or
sevkrm tlwt yes wish a credit cad and you
law tdhd in taltn te cotroct tm probfem with this
rnardhst Vet may haw to dot not to pay de remaining
dueadmy the propamY serAces.
pia Yes ow1?
gam or
550.00 and to peadraetfe wits nude In 1'ow Ives
within too nibs of you roaming addwa. Of we own or
operate the msrdert, at if war malbd you the
adw rdsamrs for to pamfpe. t or e.niom, so pwduas
.t
tspo ? of preh.s
Pkse der w m sigh all yamount
t Does not apply to coemmar fio r radd card accounts
f Does net apply m business noraedt sad -Us
pdwcy protection: see our
red aervb. mark of Caphal
period D- to ronig - a easy bid, Item coy m a
WWK wrirhos betweert die calculation as m ed aid to amass of
b. If tee adoZ a N appe.m m 1 . Mt of the amtanam
mead m 'Balance Ram Appaed To,- coo ptuf y to
3861SM
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Mailing Address
cit Side ZIP
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E-mail Address
Ph-Number
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$100 gi -W-zOeoQty ( ) _ .00
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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
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Capital ow
Account S
Previous Balance $59.90
Payments Credits and Adjustments $59.90
Traaaactions $15939
Finance Charges $.00
New Balance $15939
Minimum Amount Due $15.00
Payment Due Due J2nuary23, 2003
Total Credit Line $300
Total Available Credit $140.61
Credit Line for Cash $300
Available Credit for Cash $140.61
At your service
To all Cast- Rdat - w w report a lost -wen
ard:
1-800-903-3637
Send pgrsam to Send inviua to
Atte;R-kt.- ProoetS
C.PWOn.Sw6c.
P.O. Boa 85147 P.O. Ben SS0 Gp. OneS15etat
%6-d, VA 2'$276 Rl&-rd, VA 23285-5015
InmorvmtAccount hdorm ion
It's Capital One Bowl Week time again! Tune in to ESPN,
ESPN2, and ABC December 17 fear the best in
post-season college action, to we f varite teams
fight for bowl ?amp?onshkp and for college football's
ultimate prix: the SCS National Championship. And on
New Years Day, be sure to woe in to ABC to watch the
Capital One Bowl live from Orlando, Florida!
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
NOV 24 - DEC 23, 2002
Page 1 of 1
Payments, Credits and Adjustments
1 16 DEC PAYMENT RECEIVED- THANK YOU $59.90-
Transactions
2 12 DEC VCN'PENNSYLVANIA VITAL 588-412-1838 PA
3 18 DEC BORDERS BOOKS&MUSIC 04 CAMP HILL PA
$11.00
148.39
Fiance Charges Pkwme rawxtide for imtortast iinpfoprmaation
#twfir fPR?d CHAR
m PURCHASES f. OD .04082% 14.90% S.oo
CASH SAD .01082% 14.90% S.00
ANNUAL PERCENTAGE RATE applied this period 0100%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
:aphWOW 0000000 0 5178052138634189 23 0159390059900015008
New Balance $159.39
Minimum Amount Due $15.00
Payment Due Date January 23, 2003
Total enclosed $
Account Number. 5178-0521-3863-4189
sre t Apt f
Ca' Sur ZIP
Hare Ph- Alue Phone
0
EmalAddm
#9035894670697248# MAIL ID NUMBER
Capital One Bank KATIE SURD
P.O. Box 85147 1198 SHOREHAM RD
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Richmond, VA 23276 t^ i? CAMP HILL PA 17011-6135
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dorged ee usual eau drown Nroty cep ban vthan You make yea sebetlons bat a tout of efle:n rrharNr of brute. ArraWy theroNt«, yarn receive a nice and nal be charged the
rate on 7th nOlle! W the nee yam of Iwr uW you td u m amp. Allow bur to ten ltwsks for mayzkm m alert. (Quarterlies may take tinged. Mgarder of wen you start
rooeivkqypr mm++yyzzim, yore aMwp racdw the err rrnety cep five. Thee b n okfppas to mWme. CW m cared time and mode a reMd IN all usermcl iaau . A voad
credt earl 'r ragmiad Orden vtM he diary dap flan the aapiradm daro. Nm+3W Magszina Sanicas LLC, F«ra!?!ayp? Ridge Park Stamod, CT Oe90S I. the _'d. ad
rrervaa the aide m act qurablr. drrtiaa « m caed eaM tat tiros at 1 BOOez7-9071. Arty vadrnnb nrgKOrpd herein an eddy owed by go respective adty. AN rights
roserved. Capital aro Ica ro afitadan vlH rd der tar rhdane these mvcuadt cad ankles « produce. O 2002 I One SeMor, lee., and NevAub Ma?zkne Services, Capital
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not provide, erdase «qusrarnae rrryy product «servbe ihhovwh hrs. By m tits afloat, yw call w aemxnkatkg the Inbrrnstlan mndred on Wa cehpen to NewSW
flegszkhe Savior LLC, v4trh proMdes tie product -tor example, 1Nt you aro a td One aatorror.
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geed hem tet occur during any basing perked. Urdu the ad an t planet ik H possible, of wvlsryry you bete- gee is
an ea«: or If you road mom Inlormaton, a description of
advrhu, purchase, special usnsfer, and speck phethr) teens of your o
atomer agreement, ve reserve the rigs to the ham you aro car" about You do not Gw to pay curry
by the dally periodic nosW dot has been
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assess
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Fiance clangs for your amauml To gar the balrnps cotkta to use vote axon ohhot having to pay the Of you haw a problem with 1G quality of property, «
for ash sele we of you aeon, vn tab she membership Ise To cancel your account , you must
k a.A- that you Purr I vrfth a credit cam and you
balance for tsar Segment and add any row trrrsdWr nodty u by calling our Qatemer
datlare Department
' hate tiled N good faler m correct the problem with the
end shy prlode tbtrm carpe c k SK d -air pmvW-
days b•iarrs i« drt rpnsm. We then aLtraa shy cued per y?r fbW Balarxe
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gymenes w aeAU Passed r of the day the as Nocacod
to talc eeVeerA This des u tat sep•rm delay bslarva
a H Yw pea Yw Aebut. You cab request to dose
yar attout by Mang w Chartamar RNnlae amen due on to rry a serNo". You how the
props
protection ally when tM gxdus
pri" wan more than
nor each eerrrert of yon eh.ht Flohrisvs, H yw ?!d tle 1[ eparunent. Vou rout dearoy yar nehflt card(s) ahd m
$50.00 and 1M pudhre wan cis in ydr Igrne state or
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axon sc"se dhxlu, cancel dug ahnMrized MBMg,
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account. Additionally, Your account vela not W cl"ed .
mom
bass regatta ad dManq de fan by de neba of
the dap In to current big nycle, To colotate Your, coca udl you pay all amounts you owe tat ktiudna my
tan a: l Ycu Mw amrahedzed , ikhallaa rder()r, peel pons not appy to caaomar non-rndk uN accaara
t
finance chistia. you average defy Glernee by to
defy paloae .be rd tat manb* of drys In the big due tar, ovatanlt arm, munrui d W. fat, cash
adwrhu 1m and any area fees assumed to yw 1 Does M B to bwbraas non cmieff call acmrts
grad. Due to romMng ona defy buts, den may G s
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Impostsrt 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 some 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.
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CapifaloW,
PLATINUM MAS ERCARD ACCOUNT
5178-0521-3863-4189
DEC 24, 2002 -JAN 23, 2003
Page 1 of 1
Account
Previous, Balance $159.39
Paymentq Credits and Adjustments $15939
Tnnsaetions $137.79
France Charges $-00
New Balance $137.79
Minimum Amount Due $15.00
Payment Due Date FebruaryA 2003
Total Credit Line $300
Total Available Credit $16231
Credit Line for Cash $300
Available Credit for Cash $162.21
At yowwrvice
To all Customer Reled m o to report a lot a ddea ard:
1-800-903-3637
Send mment. to: Send iMlalrie. tet
Atw Remittaoa Prooering
Capiw One Senior C.*d one Senian
P.O. Box 85147 P.O. Bo $5015
Rkhe-d,VA21276 RAmrAVA23285-S01S
N
N
m
a
Payments Credits and Adjustments
i 23 JAN PAYMENT RECEIVED -THANK YOU $159.39-
Transaction
2 24 DEC A &A AUTO PARTS SPORE 7177318400 PA
$137.79
Finance Clitttges Pkmere raxrreridefur imfortant iafarmotionn
Bda.mMr Paiefr CandaalwP ` ma
.p?f Ise ..Er .f liL
PURCHASES $.00 .04081% 14.90% 8.00
CASH S.oo .01082% 14.90% $.00
ANNUAL PERCENTAGE RATE applied d us period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
:p11a1C W 0000000 0 5178052138634189 23 0137790159390015009
Pk-p.d -M.* -k
New Balance $137.79
Minimum Amount Doe $15.00 shit Apc e
Payment Due Date February 22, 2003
cur sate zm
Total enclosed $ H- Ph". Ah-te Phone
Account Number. 5178-0521-3863-4199 0
EadAdd,a.
#9002494670697246# MAIL ID NUMBER
Capital One Bank KATIE BURR
P.O. Box 85147 11111l?1 1198 SHOREHAM RD
Richmond, VA 23276 CAMP HILL PA 17011-6135
lultlnl?ntltl:?ut????u??u???utll::eul?m??m??ue??eul ° eaililll? ?ut?I?nd??unn??nd?d?uutl?u??n?dddu?ulJu?.?
Plrare wdeyoar xwwd nambn on yo dracl or money order madepayable to Capital OwBan4 and mail in the endwed entukpe.
KATIE B
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1. Nary Te Av.N1A Firer CArpe.
to Or- Pabi. You wit how • niarman green period of
L 26 diva wWrur M1rncs dugs - rrw pradrrs, row
beWrs tra-fers, row aPeofd paths eM row other
hirrpae H you Hour oof 'N.w Bsisrroe', In
ahmoodence rfhh tlr inp«trt Nod- for psNmas 6dmv,
mod in rife for it to be waked by your roe staranad
doWq hlae. TM h ro vets pshiod an hash edvmme
end yodel trwr4ha n ahfetlon, Uhsro h ro Rah period
= barradlorhbarrec7lwh Nyou der -r bray the total 'New
b. Aa?rep Fears Ch.". Trwrmdons which ere not
%%th m a Rio padod ale aaessad fine dregs 1
trap the dab pr processed to your r Amount enor Ur due the
transaction In to y )
3) loam the a
Ent rslwd« day of the arrant period. Additionally,
- N You del not In pay * the •?v BYro??lmm the
- yblairp paled In fail, lirwhe drgse mdl macmuem
scent nr
s? .==.
merry alit aurtireldw balance Is p r, ain AM.
his your . .
rr. anrh- tlrry N
VDU
YOU pay the endro live Bslah- ideaM on tlr bad of
yaw srawnrd by the row su eonrh rdaalnp der, but dd
filharb durpw
not do so for the is mash Unpaid
are added m Ur ghee[ of your Arrant
t c. MMw Furs CJrge. Fa earth NMq pdod that
E Bawd le aejwx to e a- dvsrpr ltd.
teal RN4NCE CPAMEf $0.60 suit be' If the
biW m tlfrorrir Dkadrr sss?drihiar?nm?yaodur ?dMeroe .M be
t d. Ta11pstay Rsdraslah is fihare shags. NM raserw the
right to not awes ry or all firm- drrgss for any given
? pefihg period
2. A= DryarYwre If - - New Mtlrsrl.
s. Fivers dupe h rskW1M by hrwaaplWp tM dYh'
balance of each .squad M your ae-ud e.p., haw
edam-, rdrehe y a trrrd«, anal special padm)
by the cor dry perbdc ms(el #an has been
pssvbh *f to yma At the red of esch dayds Ytqh
Ue being period, wro ap* the perbdlt ran lor°ieedh
= asghhrd or your stmhad te Ur Of rdh
aetPr . Tlrn x M and or the Psdesk vane add ley
= the rsaah of phew daaWahs m arUve at
periodic i fmm each e?egrnad to r at the mbl periodic
aaaaa? firnce dtarpe for your :=T= deny balms
for each s.gharrt of yollr bsptaatq
balance for each dhana am any few fronsectimet
epe -haared this (alt I
aNwd: b1 ban Vh: sagnrr. We than wanner ran
pyn oro or posted as of thrt dry, that are .raved
o that seghhwa This low -the aepeme daily befrce
for asch adalhorof o your amount. However, N you the
Na. haler..- your Psvlma errarne nt n for
N yw new belays wan zero «a crack anent, row
tnaradlar whidl Peet ere ya s purchase «epecial
rslodkt tlr o is ? ? all bdoncess. der We
g
N N doev
s?
O
b.
beam, them may be sof
letdan rd the:"
from of oft dearewd
.= 11wti Ue
bramble inns. To obtain the awraps do y bran- for tM your exam it it here aaaadybeen chrd. For ennpb,
atFngp oowrad by this arernent van take the If you eutlndzad a parJras twin a nstdtnt and we
b
transactions 10 "Ch seiriNglodbsiarhos of aeach ssewoort WA try, add aarrnry nave .statue tlr trarraWm Tmm the mndrw after your,
. .
orr crocks, dur.inent now 30 " Rose at o ? NNaappeato Ao?n 11tlosndd as of ris the yyoouu tags f« 1 esdod to
oWrrott AN unpaid fknrce drMd..' -ihrrdad In Ur balrhoe rnrnaenlap M t« your ae-urt dr fee vela ,a«iws
of aadh aqdark.) Thi phw - y blare d each =d=: permkmd by Wv, ante the
asgnad. Twn, suer add tp all or dddryy brahoaa for each Imo bean prd N M r dslkrd above.
.etmad fa r,. blip period and dvide by the toW 7. tide You Aeaart.Yo r -ad « acceue tarot be
roawber at days in the tang prod rtw fives u t-
re .'. dry believes of each seynwh.
3. Mal PwsoYPs IYas.APR).
a. Tear term ' :rw d Pacwhtaps Rata' may appear as
APR' on Ur that of this staurlrarht.
b. If the code P IPM.), L (3ino. UDOR), C (Certificate of
Dyord. or S (erhk-M PinN apposes an ter tars of
this dnernwd rand m the pedoAt atels), the pedode
veer and ?nrrasporhArq ANfiIAL PERCINT RATe9
an Ve rytarted and mpfaursdiarrr?aar o de S based as n
Jbms@4 plus the dtenps vA ts?trg any 1,010.-d to tor Y yar
it a ear Ms eausryby you, ,Ap/v ? Osernar a &V
c. if the code D 'Price), F (1+no. UBOW «O (3mo.
LIBOR Rydcad MawNp) arp?ro m the front of yon
autarrharn .herd to the pdode male) 1M -dodo ratas
and ANNUAL PEACDrfAGE TES may
"My kl kdrss, r bpi d WOP?M J? Plus
the mardn previaaiy, disclosed to you. There drupes
vii be eHacave an tea fim day of you bane rrdod
each "o"IL
4. A.-ad of Lot., OvarUt and Returned h'Ywd Few.
Your ae-un w(fi be a..seed - mere then tea of the her
awed hero teat tzar during any being pedod Under the
our se of your aria-r aproarrm. van rerrve the right 10
veal- or
not m arse +rhy meea vdtMa abr rotautr m
aural vvalvlnp o« dghw to are. ilea acme «skrar
at a Is. tkne.
5. You Aorad. If a r-mbaalap bs
dsyw rs an the front Its diseases, 30
avoid p yng the Eee « hew audn 1es cssdtad m you
if you caned your account. Duke tae period, you may
cenfiste to use yaw ahaaud wferut hrvkp to pay the
msmbsnldp fee To raced your allured, 1'arh mat
no" res by calling a *Nm Balance' in full lessaLmahnii the
mwibaty feel pow to to and of do tHnydsy pdod
(L yZ" You Cie. acce d year Yw e can
r Ito d-s
Dyam-m. YOU mhat hfrtmy Vo r «adt -ells) and
atta.w access decks, renal all proauUnodzad ba4hg.
and -row =4 account. If you da rot canoe)
pleatdnaizad narprdano, wa vra mind
redid of a drys yam aWrod:Sam to
.ever ydd
.comae. AddtaWY, You aeeam vAp rot M .Jeered
ana you pay AN erramMa you owe u 1 chrdrhq arty
t «r Z Zoahcoslzdsd, ; r
Is , C?r
advs-a f Ynsou and try dear hew arsrsd mmsYow/ur
e-ant. are reymrEh ban tlrw annart o
they apps an your ahxmnl ar tea vnm yyoouu reghrst m
tae the aeeour «tey ere lharrsd ¦arsgtrm to
War rohPsst m blow tea eccehnl. This may sswh n
,.cN,...pw.h appearakhg?anNysMUr acemad after y'ou hew
M flan • M ,ina,.,l n Nr eveue.av M
trsrrsctlahs.
8. lease Mere: Fnssl.rhls Chrk ChrwssMa. When you
provide a trek as psyrmww. You audwrM u shit.. m
hM kdanrotlav from year trek to make a one-time
els-hie find t. .60 ban Yar bete aeowk « m
prover fits psywwt se a thole trwreakrt When
ws
use Manrtlo==b. trek m mats r rade
find trrrler, waldrswn flan your bernk
wastes: as soon as the fonts day sus cadre your,
paynrrr, and =rot rot receive your deck back fran
yohr fihrrJsi 1hWnalarv
BIWNG Room SUMMARY
(n Case Of Eros Or Questions About Your 8111)
If You tank your ba h vrap, s If ="n-
all.. hdemhon e trwlYea- « NM, on a
"Pares, she r rm ere porde at the add- for
kheide. devwn an the fish of No sweaters. We nest
hear flan you - Ina thin e0 dayyed afssr vro halt you the
Ian b11 - which the error a pmblan nppesred You 0141
uN err Qada-r Releaar enarar, but doing r vdl not
prua ymr ddda, n ymr has, pan hr tea fihaovWg
i
amoum of orc your haws and grant rwnh6er, err a ourerro
f the >IM. armor, • dwbhlpUon of U rr
and an apla stlen, N Ins ll", of you bedew them 1.
an error, «U you ns.d ease In , a dwcdpdm of
the kern you ass urns above. You do not hew to pay any
ammad n surds wa era h, ben you
are sei led m pay the part 01 y<« Uri are rut
Inn
In queWan, wit
te your Qnrten, vve canner
rapt you r ddk prm Of take any anion to collect the
amou a you qundon.
i,t Special Rule For Cigt Card Keenness
If you hew a pnahlas win the que" of property or
It -al arnd you
aerdces tlrt you with • rare prehian wait the
hew triad In
Wanm hxrrocl the
n-d ad, you nary heve Ue ddd not to pay err re nakarp
arrant On an the «serM-a Ym have Ub
psaetaan pave wMn ffie P _..pitsnYar mama mow mere than or
I 1din of your w wan " WW
amain n 100 rd aii hi address. of sus own or «
health the insmtrsta, of
pnpp iflfsrvtrya nnaeed you Ur
ere eo ro0 r M anaa«it location of purchase.)
Phase nano tber m dgu all -rrwpadance.
t Does not apply to -rmrssor non-cram. cad acmNs
S Deea net apply, m business noshed' card ascents
C.pIW Qr wprru 1/16111181101 Pdyacy Prcmcaar: sr our
vmbalo at www. can.
C+ldW Ore In a federally registered service .nark of Capita
roof Corporation, M Ifyhe resenwd. a 22003
faph One IIK
482135
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 ber credited the some 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.
e0N
I Surf top to
5x fasteer14e1 0
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CapifalOne• PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
JAN 24 - FEB 23, 2003
Page 1 of 1
Account Summary Papments, Credits and Adjustments
Previous Balance $137.79 1 20 FEB PAYMENT RECEIVED - THANK YOU $337.79-
Payments, Credits and Adjustments $337.79
Transactions $228.00 Transactions
Finance Charges $ 00
2 10 FEB BABINEAU OPTICIANS MECHANICSB URG PA $199.00
New Balance S2&00 3 11 FEB OVERLIMIT FEE 29.00
Minimum Amount Due $15.00
Payment Due Due March 22, 2003
Total Credit Line $300
Total Available Credit $272.00
Credit Line for Cash $300
Available Credit for Cash $272.00
At your service
To Call Cartomer Rastiau -to npan a lost or stolen card:
1-800-903-3637
Send pymcft t% Send inquiries t•,
AM: Remith- Procaeing
Capital One Senior Capital oft senior
P.O. Boa $5147 P.O. Bea 85015
%6mon4VA=6 RAmorAVA23285-5015
Finance Charge$ Pears Joe reve
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PURCHASES $.00 . 010$2% 14.90% S.00
m
N CASH 1.00 . 04082% 14.90% S.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
ow 0000000 0 5178052138634189 23 0028000337790015001
New Balance $28.00
Minimum Amount Due $15.00
Payment Doe Date March 22, 2003
Total ettdosed $
AeoountNumbee 5178-a21-38634189
Pkaeportsmirnydim a? e,_[A.". rem. H M.4 -L
suae Ape I
City S_ ZIP
Hare P6ooe Ah-an Phone
•
PmulAdd-
#9005494670697243# MAIL ID NUMBER
Capital One Bank KATIE BURD
P.O. Box 85147 1198 SHOREHAM RD
m mnuu m
Richmond, VA 23276 CAMP HILL PA 17011-6135
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InIdnllnr6lLnLIInILrdlndLrrl6nlLrrllnrlhrrl LrdllrtdlLrtndlrrtlLlLnrrllrrlLdrLLLdrtLlrrld
Plure varteymnarcoant nambo on ymv,back- money ordo madepayabk & Capital One Bank and mail in the-darrd era 42%,,
peoplepcru online
u A better way to Internet.
I-
KATIE B
peoplepc- online
? A better way to Internet.
UNLIMITED
INTERNET ACCESS
1-888-587-9669
a Mention Offer Code: DIAMOND
Or visit www.peoplepo.com/goldiamond
does rat prrein am so*
?pw?? asmNed wAlh =A
er gtwn a a eta my o service sharty haderrgrks mat5oned herein are so*
coned by Am mapecsva a*.. At rights readrad By mspond ig to this fifer, you may be cmmu c&V mfomslGon
above yorselt to cite company sot prwldes the podat - for example, diet yr are a Capital One cisom"..
,PeoplepC Onlha FrA S months am bled at $0.97 per month: 119.95 per month thereafter. Offer available to new
dalip sutbsatiers at Irst 1s yam of age ard may not be redeemed veldt any other ONE Offer attjed 10 change at
any time. Phone technical support avail bla for $1.95 per mid eria.
tAccelere« Is free for 12 Wands. Offs good for limited dare. After the fund 12 monad, the Accd"ed service w®
anometially read to the standard PeoplePC On" service. Offer subied to charge at anyli me. With PsoplePC Or"
Accdaated. certain Web page led and graphics will bad faster when compered to AW4W dgFW Internet service.
Aaual resuta may vary. Pati Odic Accelerated if only compatible with PeopePC Or&$ Intsmatearice and
specified Wlndows® broweers. PeoplePC Ovine Accaleated is not compatible with Wadows6 95 with E 5.5 SP2.
Service not xalable in as arses. Access fees, taxr, and other two and restrictions may apply. Telephone toll charges
may apply; even dtring trial periods. You are responsible for determining vdteser a cal to one of our access rai bers will
nand in Idepfone td charges, Access may be frdted, especially during tines of peak usage Dial-w rambles may be
changed at Peop(sPC% discretion. Canteuous tae sWpd to timeoul procedur. Ale use is sblecl to Pemwc Online'c
Saviors Agreement and Acceptable Use Pofwy. 56K is the maximum speed of service; atdual speed may vary.
O 2996 PeopleK Inc. AN Rights Reserved. PeoplePC Onfne and sit logos are hedernarks of PeoplePC in the U.S.
and other cot nhies.
O 2006 Capital One Services, Inc. Capital One is a federally regalaed service mark All rights reserved
?... -1. -Now T. Avoid A. Fb,- - gage. psrkdc sane. To abrait as v*,ew daily bWrro f« so yam. aeoasr if k has akeedy_bsen.eloasd. For Insureds,
To b
we
ou wdndred a pudrre from a meNrK an
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t
mk
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y
, we
y t
a Natamer
te. Qaaa Pabd. You vA haw a msiwn Pou plod of blkrp pP
sadd
26 days vA -& Au tos drrys on row pudrsss, row bednip bdro of each sePrrnm rah day, arty chew ree" the to wdoclant from the msrrhrd after you
loll been clam Yam aeeara wM bs reop«od.
and sWffact r
W?wns
art
c
tl
Y
«r to ea
h
trrwe
balance, aatufenR row stocks Punyrre and new other
W the c orP wM De addM m yore soxux.
emout
the
on the fi«e ofails
(a the code N aP
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'
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.
New adrra
,
drpsa you mil
111
eco«dsntcs with err ntportart NNIM for peynwas below, statamaa and in latw Hero Applied To.' wt ciao sal you vA be reparrs?b f« paymera. If done b a
tle /r wi cordne
to for yor amwrc
bYrne nmi dmi l
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hid
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t
a
d
,
P
e
n
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d
and in tine for It to be oedtsd by yor rood ataunaa wbtnet any mpa
obWg dam. Time b ro Oou ponied on, cash advarea of each rpn«?LI TN. glow to the day baWtr of satlt =d=:Z OKM pemYtoad IW W+. untll fir
wit add tq a t1r fillyy balances for each been Pays m to w ddird above.
Then
arbd r
nem
f
dd
i
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I
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O
•
aw praca P
r
on, t
rrs
and spsdN traabm.
n a
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-.w treneadlona H you do not pay tha toml 'N>w eowm m AN are big period and dvide W the told 7. t?ai? Vou A"red.YOU ad « atocout carrot be
Ni
M
V
lo
ta_ t O
prr
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n mwoat
Wes- nuMa of says n the bYnp Psdod Thb ?w u the w
b. Amaairg Fkrem Orge. Traeacdre vatldt are not awraps daaY balroa of aarh wpnsm. trooatdar.
hism m a grams period are cowered fiord dugs 1) 3. Anal Parard4 Roar CAPRI. S. NdW Ai«a Flasberde Ooak Commrakn. Ninon you
=
ham tho dm of the tear-.d- or 2) Iran the data do I. Th. team •Arw d Psroamaps Rate' may pp., as provide • deck w payment. yw aahorke u deer m
teereae . Is pan+rd to you Aanmat or 3) from Uts APR' w are from of Ws statement. ram itfimodr from you dtrak m maim a oneii e
= liar aiardar day of tlo wren biting asrlod. 4=,Y- b. If the oode P fidsm). L (3i. LIAM, C (Cardeate of abetmic had tnwfr ban Yamtrrrantbn. Wha+ bask wawa «m
ayyouotn file! rot pay dr'New Ralanw from tlDprk). « S IRrJuand Piney appaara r 1M fmaa of parer tlr paytrro r a dock we
ar deck to mob m ebetmdc
d
fra
id
anra
on
n Y
b-ng period h tV. Rance, daps anima to ache to AM smtamar nerd b to pedede mtaW, am pedodc ttA
yyapwrr updd barb o uti the unpaid balance, is paid in dal. rat" and ANNUAL PERCENT/WE RATES Nd trouser, fulls may be wAdriawn from yam bank
deows based Maur r soon as to same day we -1- you
I
n«wss or
Thb mare that you may edi owe Rte ce charges, even H may wry is IsIV may
you pay tha artbs Nov aYrms idawed m the hurt of m the suited idea", as toad In TM had SrM WYmerrt, rd you wN rat roeeiw Y? cock beck iron
your steassom by to men statement doaha dame, bras did A-4 game to meld pwvdiokdy dedoaW m You. yam lhrtdd iWardon
not do w far the ptsvbe m«tdt. Utpsad Rtrtce therpw Thaso tlergsa wN bo sf1 w m to Am day of you
&WNG RMTS SUMMARY
maanan adr'
d b
d
d
d
c
a
y Y'w pe
am added m dm sa¢nent of You Aaoaam. m6tp Wrlod cowe
esth ling Pedal that n the mi. Jewry, AM, ad October. (In Case Of Emits Cr Ouotlar Mot you BN)
Clrgs
t c. MNrao Fktausm Fa
ou coed mesa
tfii
war
or If
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r bell
3
y
s
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u
you aecaso b m a lino dugs, ¦ r -Nd e. If the code D !Pine). F 11 ire. 9OW or 0 (
p, bell,
m a a trans-lion « who mum a
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do tieldmim 1. ast
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and to dffW? well hMd m the Pudor asarrr of aawt. need kde"y , me land h TM YYar Sbas JOW714 pits Sm Ni m waadr tha areas «Pradan appwred. You ee
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advro
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by cent oarsaoadre dally pnbdm mmW that Iw loam wall or nor to sass any low Wthat M« nodeatbn to amount In µmtbn wham we are krwdoaie It, but you
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patlode Ikrtw dema roc midi[ amen We add up the avoid prying are fee «m haw such 1es end od You m you t,t Special HW For Credit Card PtrmMwa
rant don malt asQrwt to a rdw at the amid psnfode If yam cancel your account. Duke this period. You wy
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what a erodt card ad you
balance for web wptwt anal add mWy row trarraetlarr rtedly u by ttsMMtp w Cutener RWtkro Department hew !dad in t m soma the preblen vdth are
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p daily psrbde ram and by to nni« of days In, to Itip advrtos fa" ad ==:` w m your
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Important Norioe: 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 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.
668100.01
KATIE BURD,
<<
4
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v
C4apita/Cw
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
See reverse for deals - -
FEB 14 - MAR 23, 2003
Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $28.00 1 05 MAR PAYMENT RECEIVED - THANK YOU $28.00-
Payments, Credits and Adjustme nts $28.00
Transactions $59.00 Transactions
Finance Charges 1.00
2 23 MAR CAPITAL ONE MEMBER FEE $59.00
New Balance $59.00
Minimum Amount Due $15.00 Capital One has joined with Progressive Auto Instance so they can provide you a fast, free rate
Payment Due Date April 23, 2003 quote with no obligation! Call 1-877-397-53741 You could save $400` by comparing rates. Mention
code P700. *Possible savings band on rate variance of aantnlired comparison rates calculated by
Total Credit Line $300 Progressive on calls received from 6/1/01-12/31/01(ercluding variances greater than $1000). Rates
Total Available Credit $241.00 and actual savings will vary based on driving record, vehicle, address and other fadon.
Credit line for Cash $300
Available Credit for Cash $241.00
At your service
To aB Cuemmer Rdatio» or to report a It or atol a card:
1-800-903-3637
Seed payments to: Seed ingsiin to:
Att.- Re kw-Pso-ing
Capital One Seri- Csow One Senior
P.O. Bor 85147 P.O. Boa $5015
Richmond, VA ZU76 Richmond, VA 23185-5015
l`mance Charges Pkaaree r verxs def r imfwtaat info matwn
BA4-we Periolr C'r?, WE
yplrla, rer
f PURCHASES $.00 .04092% 14.90% $.00
o' '
0 CASH too .04082% 14.90% $.00
te
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
owl 0000000 0 5178052138634189 23 0059000028000015001
New Balance $59.00
Minimum Amount Due $15.00
Payment Due Date April 23, 2003
Total enclosed $ 7
Aeeount Number. 5178-0521-3863-4189
Pkaep.ist-r zdim,nA-rAmeg.kkw-.Wm--M krisk
sit Ape s
Qrf Snm ZIP
Home Phone Ah-w Ph-
#9008294670697244# MAIL ID NUMBER
Capital One Bank KATIE BURD
PO. Box 85147 1198 SHOREHAM RD
nut sa u s
R . ichmond, VA 23276 ° CAMP HILL PA 17011-6135
Pteve writeyo ocww t namkr m ymn check a money order made fayabk to C4itslOwBmrk and mail in the endwedenvsbfe.
One simple call could save you
as much as
$387,087,0
r
Call Progressive Auto Insurance at
1-877-397-5374
for an instant quote today,
KATIE BURD.
PRO9REl YAF
AUTO INSURANCE
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$367.87*a year on car insurance!
When ya, call, please mention Key Code P346.
aat?
MONSOON
assasso
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Irwrenw Pmducb» Pro+ided aW urtdermrten by, aW N the oxclLeNe oblgadon
of Proyras"Aff erken im Co. Prager ,Auloft lea. Ca, PropNZeM Casualty
kr. Co., PmW*a lve CWNc kr. Ca. PmprouNs Coursy kik" Ir. Co.,
Propsere N.kyan kre Co.. Propreshe No" ke Cap., Proysesi Wait n
be. Co.. Rw..W. M. WCc., PmwasswWch1pn No. Ca, Pw d.
Maewn Ins. Co.. Pw WL fth L WAW 1- Co.. ProW-Oft Norerwbm
Fe. Co., mw.*. wo m kr. Co.. PMWeUW Nwihonlrl ley. Co..
Proprwsyo Palossnds kta C0. PmW-" PrdN' be. Co., P.W oiw Sewniy
lets Co.. Now." spedWy lets Co.. Proptsadw Wins kw Co HeadMailered in
MsyrWd VOW, OR Not ereleda In all WWSs cr shirk a. k axano. ProArb era
not Cm" ON pnakrck rid os rut dlr d by CaPMW One a ly any of ft Waiaw
erupt whos appaabb by Cq W Ore fro-ce Aprcy. Specic lenses and
opal" may wry and ray eol W avail" F N saws. ApPkcnu m indkrbuab
ursi"Mm aid ear ndhftols may rut pray. Your dedWm toprfiwa inur-
arue ad yap clnice W r icewer r aped as Nave r.fkct m you arphay for
ry Cop al Or p.Wa rwrvir. INSURANCE PRODUCTS ARE NOT DEPOSITS,
NOT FDIC INSURED, NOT INSURED UY ANY FEDERAL GOVERNMENT AGENCY
AND NOT GUARANTEED aY CAPITAL ONE
Vanbb savttgs bard m rds wto ce of arsaahed tumpedem rata eWcuYled
by PrWmrw m Cars mo omd Moroi 111,t2-GGOW (rdutrrp weal boseen
$l O w) $l AOO . Robs and a m,l mvkVs wa wy bred m ddrktp reoad, whicl%,
adder aW odor sacbm.
By respoWknp b this of er. you my W cm sienkg Mbr-tbn buo yasaell
to the awpary Ihr pros Ns prod XI-oar errnpb. tlm you re a Capital Or
amtarr.O 3003 Capital Ons Services, inc. CrpiW Or is • fed-Ily ragYwmd
service monk. As rights reserved.
a. Qese Prbd. YW vAI haw , mkirao grace PoW of
25 days wahat slows ale m new pudr.sa, rove
an
chops
Wa+sese d row other
urorrapary. row rpo al '
chops ff yu
Wlh tlr O err Hoke for ynrnta bdow,
and F Has for k ?D W rasdced by yap nod rawrrlarn
aoiq ads. Tf is b ro caw proud m ear advarlow
imralm N yW p.y dodo rout M
bh.rlos.'
A Asrsiq Firw i7tops. Trrrsetlara whir en rot
fi?Vr eve ef?e.°°rdlr.r?Ons`«-s2larr?m. ee?ls?dtt s
tr v-dw Y procaosd to wr Account «3) from the
ikh GWdar d.y of the aanrs hip AddkiaWyr
Polad I. N rib rot pry the 'face Balotr at Mo
ya?r upsNl bsl.rtos fi? chops cord-a to some
coot dr h.lotao b paM FF fags
ThL mart NK YW mry s1i owe ewdoe drlpes, oven N
you pay Vrs ardks lbw BWrrn idkaW m tlr fmr of
you etrerrlrs by Vita tiara raeorrrp deekp dtb, hit did
pro[ do r rot the OrsNerr .oasts IsV.rd fn.rao tirrpe.
to 11- Fkrrrr tlras. Fcr pch IArnp prod that
Yap roars is wA*= m s ewtca arrye, a niif.,n
hoar FINANCE r0rW" odfrk$ 60 vrA .::Pk yaetlaosrd. -ff th.
oakdc?m.Wa b Mimi sa? 60, vMis vrlM 'ritr.et Urtr
.mass ken rile e0.50 mkiam ,rid tlr ffbreroG wpl W
6Aed m the prdar eep?wK of .auras.
t d Tetsprry Rsttrhirx in Firws tKaa. Ws evens she
dot m rot ,per soul' «N ewlG tlwpes for pry Own
2. Away O.aY a,lrrlss Ih"" New Msf-l.
a. (leans dr.rge w ulaa,tM W muMplykq tW dWry
hel,rtce d ear :=t=, id rlos, puatsand aPaah prraese}
by vb caraWoMd away p proof tiro Ice been
o? m yore At Ar dr .rd of esdt dafoyr
pet MuWyraeerlarW
apply doe PrloAe pals or
ws
1 acrorss m d. Yslarn. of pal
eeprM. Than at the rd of ao Padod, " am w
Vie reran of arse ulraetlorte m arrive r
psrlofe errs drips rat
near thWs add rp the
rargb fran ar m
wooers aMve r tlr lord parbfe
Arne slop per yap acoous. Te Dec Vie da% batenru
1« a es s tgears of you e d sM we take 7M bscacro
chopp« srwsaflte rpewtt and amry feyv trrsaat.
erd.n?b.fotG errs drips Giasod m do prMaa
hys for dot asprlrs. Wo tlrsrr oMmet r+y
WMterde «aedo prod r of that dry tlrt an eaourea
m dtr rprrrr. TNs tyro cot Vie opens deny ashes
rot asap ..grope of y ap ,arise. hbwsvar, N you pal0 the
1W ch: a 01 m yap prwlar ew0emrd F hsl («
N you row bsls o wr pro « a croft arrrol W, row
trarrsWorr vMido pot m your pudwe «apsdW
ma wthean?n irr? mM?Ntlr ?Ws
balances aw and 6Nfrq tlr ran by 1M nmbar of
1M days F the bumrt[ bite crd.• To Glo/ses yap m«I
1aMerFryePSrakwfe0a, rA?WYw wraps baYne W Me
period Oua m tfrp mMi ? News r:oy M W
sapid var4lu bettrmen ilia uWLVrI and the arrant of
atd eem espnre rat coy, am ry row
and aLtricl arty p?nenn
Dade N amiam on tlw 11mt of the
nod
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dally ashes d salt aepnrn.
3. Afnol 11rr (APn1.
a. The term ' n'u@1 Pacera.p. Rats' may apprr as
APR' m tr from d ttb atawrasra.
b. It the cods P grind, L (3mo. IJBOrO, C (Car t. of
De =, « S IBricsd Pdrr) apputs m tMPferodom601
Via drarrtrd owe b tie l+.rlofo ruhb
wtu aW AN/alAl P91CBiTAAE
M)RATFS
^t•Y wry QrrrdY ^ay Irluaa.a or rimers Weed
m the sided WWWo. rplwarNdp?F TAs WN Sort
Tlws . pluses vAlm hi s}Nedw m Yap
hikrp PadoA 'M b byYmr P cn d, u ,o rrdrq
utrvr Nepsosd Maweyl ,ppe.m m tr tram « yarn
r.tsrrrwd ores b AN psdare anal tM grade ones
rd o«rroarrita ANkUAL PEIICFIifAOE RATES may
wry mmtNy m y kcrear a dean Wrd m Ute
deed krdeee, r bud F TAa WN SLed.barnet Dke
Ne msrdrt praviady dadoa,d to YaLL Throe ehrtpsa
ssr rrtordt. w m tr spat dy d Your dip P.riod
4. Asersorrt of I" Ov~ ad gonad hYrrs Feu.
Noted hrs tM oew drhp &W bop psdod. Ur4er tla
[emu of yw aslmr« ,prearm, vas raasrw the aphs to
whve « not m raw r+y isr vAthuu war rVllutlbn to
mitltad vwlurtp w dgtt to .,row ohs sore « simper
d ,law time.
S. Yw Aearasof to.Ne reterrtrn, Yoe N , moobarhip M hr
apprm m tM irato 30
Pe
deN i M rids Vie entrant we e?N You to
avoid Mykla y she M a w Ww sup fee txedta d m
i yo
i u until yorr ,aurae. Duitp Vis , Pedal pYOU a may
y
eordkar to cow yw ao4d y vddnls Wvstp to pay tie
mar b*y M. To used Yam .GOled. YW mar
r?pp,,y yyama Nm BNr u?Ml lrotluA tlr
menr6re .Iftl pAOr m 1W and or tW IN", Period.
& N You Cass Yw
Aosr.a. Yo con tebrtsat m doe
e
aeG11d by Gip w Ureterser Newtiore
nnras. YW Ilrrrel dshroY yelp coati Grdb) artd
..c.-I aceaw doe , Gr1eel .4 prswslrrle.d haktp,
rd Gar yw acc out. If you do rot GIIaOI
e, wee ?aoGp rmWydeerr
,teaad. AddrarNy, yap aceaan rtA rot W saved
rrA Ybu P•Y N anaads lsu owe w ktalrfrlo pry
dreov?hl isle. WYm.rs ? usiPast
admits row and ply saw bw =W to yw
aceolas. You am rsoparMle f« New errraesa woe hsr
theyapprr m yw eooua d re erayau r ,o m
doe tlrs aeobus «they an Nlufrrsd errsept
rawvu n
yap roper m dove to aamrss. Tli, may M F
arnpp sPPaaiq m Yap .ccart .1wr yW Wve
yap .cow. N k hr., aksady bean dove rv stwrtpb,
if you audndoed a Dunlop kom a msrdwu rd we
receive do mmscilm *m Vr mardwa afro yw
.Doan Ice been do" yap eeoaaa vAI be moprod,
t s wharf of to tlrlpa w/ be aAbd m yc r scowl,
rd yyoouu wt 6s j:p« le 1br PMmlrr. If Etae b a
rnerrrbsralYp a for Y.lr armor, the M wa cerakao
m W dwaM, m tlr dare penrimad by W+, coos thb
seGrrs bWrG Ice boin PeN F AA r blkwd row.
7.{rWss Yw Asars LYas Card a scear.s coven be
raadF cersodbn vAh ry krtsmst psrtM
trrrrdorta.
S. roar tibaa: F3sarais Cloask Oenrvrebr? WMn yW
Provtls . dteat r p.ywws, you rdwks r aMtr m
toes Ffamrbn from yap drek m ntsMS . maiints
ebatorie tuW tnrrfst from yap b.ri
sa serous «m
groce
YMr dr p.Ynrnt r . dock trrrfkn. Wirer w)
U flan yw dock m a.lu .n ebamie
d trrwisr, rbr, hrvb rosy W vAtllartsn hen You bari
amsud r soon w tM easo day t+e naive yynnrr
paywers, rd yW ? rot osseous Volt sleek back lnornr
Yalr 1Frdh YtNndan
BIWNG RIGHTS SUMMARY
(F Car Of Fima 0r Guess- Abas Yap BIN)
11 Vau Vii Vat bA b vftM r 11 you need rose
FM.atbn an • tr.rr.etlm « ha, vests m u m
rpraw host r vest r powde at the adieu vex
irtpiriw have m tW from d tda aufarnard. We muW
Ire r irorrt you ro law tart d0 after ws earn you the
%ro hN m vdidl Ne erw a approd YW -
peN pr"s wCUMOher Rdatlaa rserar, but ddrrp r veal rot
InnresrM.atlbrc yblt?rWrF,t =abablid to =
emalan Ot 1M rapecrd error, a daacdplwn d Vo rr«
rd an mpwaarl, N podhb, of you Van is
an a m; «if ym nod hdb- 1h
ran • d of
tW lean YW o urw.bas- You do rods Ww m Pry
pry
amour F preetlmvw an FveWknim h, ku Ybu
ace on
an. m pay pen. of Mal• di Out an not
F peW vrs Fvrdrn Wu Qurdar, ve resat
rsporl You r deinprm «ta arty attar m cared tM
.noun vW gtratlbn.
4,t SpedW RW For Croft pfd hwches s
It you hm a prahlan vM to prNry d PaPartY «
aarv{oe, Vat you rdat a credt Card rd you
Ww tsed F faNh le errsct die prodrn with ate
mrcfrrs, you may Ww to sah• not to py tM m•ir'rrt9
onoad dus m the progeny « senkr. You W w tda
potsetlan eNy vArn fir prsdtarae pits ws. mss Iho
Wthon 1G0 mks k p.dado we made in yap hams nm a
.,trt r of oar if w, aikaek Of yr own «
-8" Vie -rdars panpNalwya mNad ybu the
s c..,d ,pJ. of embed:"..butfmMOt Prdo.o.)
Rro prat" m sign N omsixsw :b.
t Doe, not apply to crasran.r rename "Ai we rots
4 noes rot eA* m broi sat nos-oats[ eve seowrs
C,yiWaQr atpporb FMra9m pdway Prorraium eve w
wvDht rl www. cmk
CadW Or b a NY rsrbnted aetYice rook d Cadtal
b. N Ns code Z « N gpsra m Ns s«e of Nfs suirnent
rots m 'ldwsa Ras Appal To: use naatlply the
15019M
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.
KATIE BURD
You could save up to
can
Capbalcw
Account Summary
Previous Balance 559.00
Payments, Credits and Adjustments $59.00
Transactions 5.00
Finance Cbarges 5.00
New Balance $0.00
Minimum Amount Due $AO
Payment Due Date May 23, 2003
Total Credit Line $300
Total Available Credit $300.00
Credit Line for Cash 5300
Available Credit for Cash $300.00
At your service
T. eau Cu"- R.dati- or to report • tat or etoleo cork
1-800-903-3637
Seadp y-utoc Seed !.gulch to:
Attn: Remittance Pr-1-g
Caphd One &x icn Capeal Oae Senior
P.O. Box 6S147 P.O. Box 85035
Rlrhmond, VA 23276 Rldunond,VA23265-5015
i?
a
did you know...
565000.01
on auto insurance!
i or Click
PROOREWYE'
AUTO INSURANCE
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
MAR 24 - APR 23, 2003
Page 1 of 2
Payments, Ctr*?+h and Adjustments
1 12 APR PAYMENT RECEIVED - THANK YOU $59.00-
capital on, has joined with progressive Auto Insurance so they can provide you a fist, free rate
quote with no obligation! Call 1-877-397-5374! You could save $400' by comparing rates. Mention
code P700. 'Possible savings baud on rate variance of annualized comparison rates calculated by
Progressive on calls received from 611/01-12/31/01(ercluding variances greater than 51000). Rates
and actual savings will vary based on driving record, vehicle, address and other factors.
Finance Cha% a Pkxe w rmarei de* imowtantt iil..ffoermt?e wn,
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PURCHASES f.00 .04062% 14.90% S.00
CASH 5.00 .04062% 14.90% 5.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
Cape CW 0000000 0 5178052138634189 23 0000000059000000000
New Balance $0.00
Minimum Amount Due $.00
Payment Due Date May 23, 2003
--
Total enclosed $
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Capital One Bank KATIE BURD
1198 SHOREHAM RD
P0. Box 85147 11111911.1111111111111 N
R . ichmond, VA 23276 dN, CAMP HILL PA 17011-6135
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One toll-free call could save you up to '400
a year on your auto insurance.
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Please mention Key Code P347
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AUTO INSURANCE
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Ore N a service mark of C40W
Capital? d Ctapaaaan Allrqs rf? reserved - 2003 9Aic
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 IVlonday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment.
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CAPITAL CONVENIENCE CHECK
KATIE BURD 70034
1198 SHOREHAM RD 68-6771510
CAMP HILL PA1701-1-6135 200884
Date
Expires 05128103
Pay To The Order Of KATIE BURD III, AF A#=%k
?` 200.00
Two Hundred and 00/100 Donors
"Ct't8' Richmond, VA
Memo Cardholder Signature
N•70034u• l:05iD06778t:7 10 2 1386 34i89u•
Page 2 of 2
Enjoy greater flexibility with the attached
Capital Convenience Checks
An additional and easy way to
access your account RE: Your account number ending in 4189
KATIE BURR,
We consider you a Capital One" Preferred Cardholder. To show you our appreciation,
here are two Capital Convenience Checks` for you to use any way you like.
Use just like personal checks
Why should I use Capital Convenience Checks?
You'll enjoy easy access to your credit card account with your two convenience checks,
which you can use for cash and at locations credit cards are not accepted.
You'll notice that your fast check is made payable to you. Deposit it into your bank
Don't waitl account and use it like cash. The possibilities for the other check are endless-rake
Your checks expire 05/28/03. a weekend getaway, buy new clothes or give as a gift-the choice is yours!
These checks have the same APR, credit line and transaction fees as your cash advances.
Just be sure the amount of your checks doesn't exceed your available cash credit line.
Thank you /or choosing We hope you'll find your checks an easy, convenient way to use your Capital One
low
V/lam account. It's our way of saying thank you for being a Capital One Preferred Cardholder.
Sincerely,
Preferred Cardholder
Customer
Relations: ??--
(800) 903-3637
www.capitalone.com Robert M. Alexander
Senior Vice President, Capital One
R P.S. Don t delay! These Capital Convenience Checks expire 05/28/03.
v Take advantage of both of them today!
'Please see the reverse for the terms and conditions of using these checks.
200884
KATIE BU RD
1198 SHOREHAM RD
CAMP HILL PA 17o11-6135
CAPITAL CONVENIENCE CHECK
70035
68-677/510
200884
Date
To The Order
C--APh 0W Richmond, VA
Memo
Expires OS129103
Q
Dollars
Cardholder Signature
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Answers to your Capital Convenience Check questions
Q. What interest rate will apply when 1 use my
convenience checks?
Q. Where are convenience checks accepted?
A: Convenience checks are accepted wherever you normally
A: You will receive the same APR as you have on cash use your personal checks. You can even use them at
advances. locations that don't accept credit cards.
Q: Is there a transaction fee? Q. Will my convenience checks ever expire?
A: Yes, there is a transaction fee for using convenience checks. A: Yes, the expiration date is printed at the top of each
The fee is equal to your cash advance fee. Please see your
account terms for fee information.
convenience check. So use them now for greater financial
flexibility!
Q: Can I really use my convenience checks any way that I want?
A: Yes, you can use your convenience checks for just about
anything-whether you're shopping for new clothes, enjoying
meals out or just want to have cash on hand.
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* Important information regarding your checlrs: A Convenience Check will be treated as a cash advance according to the current
terms of your Customer Agreement and any amendments to it. However, it may not qualify for any rewards programs. The attached
checks are subject to cash credit availability, so you must have the available cash credit on the day Capital One processes your
check. Check acceptance is also subject to the current scans of your account, and it may not be processed if your account is restricted
in any way, past due or in collections at the time it is processed. If the credit is unavailable or your account is not current, as stated,
your check will be returned unpaid and you may be assessed a returned check fee. These chechs cannot be wed to pay down or pay of
any Capital One account Cashing these checks will qualify as using your account. All other account terms and conditions remain in
full force and effect.
0 2003 Capital One Services, Inc Capital One is a federally registered service mark All rights reserved.
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Now with FREE Accelerator
for 1114 Best 12 months -a 160 valor
SIGN UP TODAY!
'? 1-877-7784207
Mention Offer Code: GARNET
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Capita1CW
Account S
Previous Balance $.00
Payments, Credits and Adjustments 11.00
Transactions $59.41
Finance Charges $.00
New Balance $59.41
Minimum Amount Due $15.00
Payment Due Date June 23, 2003
Total Credit Line $300
Total Available Credit $240.59
Credit Line for Cash $300
Available Credit far Cash $240.59
At your service
T. nn Cud -a Rdstio. orwxportakdor.". cud:
1-800-903-3637
Smd Psy ueau t« Send ioquiria to:
Att.: Ran ttanoe Pro-ing
Capital One Senior C*W One Sarioe
P.O. Boa 85147 P.O. Bas $5015
Richmond, VA 23276 %6-J, VA 23285-5015
rtant Account Information
Capital One is a proud sponsor of the American Film
Institute's CBS primedme special presentation -'AFI's 100
Years...10o Heroes & Pilhmm Ameria's Gratest Screen
Characters.' Of the century's great film heroes and villa*
who is the Fared hero and who is the grated villaw Will
the list con ain James Bond, Rocky Balboa, Hannibal Letter,
Catwomao, IndianaJones, Norman Bata? To find out the
answers to these qoa . and more, tune in to CBS,
( Tuesday, June 3 from 8 11 PM/PD1) 7-10 PM
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PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
APR 24 - MAY 23, tow
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 28 APR RED LOBSTER US00001958 MEC14ANICSBURG PA $18.58
2 05 MAY SIERRA MADRE SALOON CMPHILL PA 40.83
Frnance Charges Xweur reoarutidef r irn"tant %gfvrnsa wn
Bd-v w Pe i.&
d
ylrvda 41
PURCHASES 5.00 .01082% 14.90% $.00
CASH 8.00 .04082% 14.901E 8.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
lone` 0000000 0 5178052138634189 23 0059410059000015004
New Balance $59.41
Minimum Amount Due $1500
Payment Due Date June 23, 2003
Total enclosed $
Account Number: 5178-0521-3863-4189
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#9014494670697242# MAIL ID NUMBER
?. Capital One Bank KATIE KURD
P.O. Box 85147 111suus111us1t1Bill !!? 1198 SHOREHAM RD
Richmond, VA 23276 a CAMP HILL PA 17011-6135
PJrart vsiteyosv aa»aat aura7xr on yotoJweF or rwxy order madepayabk to Capital One Beak axd mail in t/x earlarsdenvdops.
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or pwrarll e, and Is not AMMed with, Fry product or service dVA here. Any tradMilift Mentioned retain are Mary
owned by the respective emly. N rights resisted. By responding to this de, you may be mranuiaeng Inbnnatlon
about yorsdl to the anpsry #W provkks this product - for emnple, that you ere a Capital One customs.
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trey appy, even dohs by periods. You we responsible for delernidrg whether a tall to one of our scows nmbers will
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trahsaetlare la pro acrd to wu Account ar 3) from do
TX uoYd bYrme time the unpaid balance Is pad In ad.
TX 1«ar that You m=.-mod upes, own you pay the ands . --d erTro t O
your moment by der mac aatenter doakg data, but did
not do « for the appnpaavioussemed, IApaN atria drpea
em 8&W to ft sagmat of tc. ?imew lnowe dings. For ..It b1&V period that
yw accost b anbNct m a hro dapsmpmd Herr
toW FIIeANCE dMi10E of aO.tiO wN bs
toW arraas qe natip ran tie of
Wrfodic now Y Y.. then f0.60, wa wbaaa tlatr
maul from the $0.60 mi inset std the dffaetm wN he
bRad to the peda« sspnat of sewn.
t d. Tampaary Redood- in Filates awaw We Heave the
dyt 0 not owes, MY or all honks chwW for rty Of-
2. Ararsga 0aiy aefenee fkwkk aw hhrah -1.
a. Rranco dupe is mlaaoad thema9plyetg she dally,
bbalance, of each asprrt of law wwrd (s.a., caaly
adtence, pub, spww welds, rd spedal pudt«e)
by alts t1ely palode Waro(s) that Ihas been
prsvlasly ? to You At the ad of afth dry iaYq
the bMng osdod, w. apply as W dock rw for mrfi
se(Wont of yar aoeoat m dr MWtn of «dt
ssgmerm. Thn N ate ad M tie pored, we add tp we am
fiam esev sport rtvs= the taut paiode
an taw, cops fa You exaM. To pet the duly baerae
W each rpntet of you apatant, wo eke the
ba0iwit0
tralraciar
bairhm for east sspWfat and add -y new
rd any finehee etarps caaoaated on the ptsNOtr
day`s for ark se- We then wltraa any
Pop-" or tads posed es of Ann they that Fro alonte
m Hot aeprrc TN. dive u the wparoe duly balahm
for own aepnvam of Your a®tat. imwsvr, If you th
lbw Buena sh owit on your pdswiar w¦ternam n Ice
if your now bolmos vvaa tom or a as I rmahd, now
than voctio r which pow am You purchase or special
N afim andanopyt baaJl omby ad? alb ths?doly
balances topadrr and 8wkhg the sun by de shier of
the days in to what bOV cycle. To Wo l m you tote
?h?+?e?tjm???dy,?,?u{,-i, mltlgY wu awrWa deiY baWtm by tlr
I,m^„+. ,nc m IOlmdilg alt 1 M191m may by
silent wrirce bawtrt tfis caleasdat sod the amaat a
beynirg balance of each sepnad "on MY, am ony new
transactions to each ee?«m and subimct arty pa?ada
or credim. (N the code N spp1 m m the leaner of biers
aura om rend b'Bol«a Perm Applied To; we AM
subtract any, upatd theme cups irArdsd in the balrte
of each seFnaln.) TNs gives u the deny balrce of esdh
vownae. Tian, we Me trip 4111 the daily balances far malt
-.9vent IN to end d the
Mar o days = bWp period.Thu gj-e usUa
a dally, bdeos of ash sedan.
3. A. Rages fAPItL
a. The tarn 'Anal Poicompa Pate hay appear u
APR• an to fiat of Zia sutsernL
b. If the code P Krim). L f3rro. LIBOR). C Merrill of
rams old A176n1L PEfaa7rlA I: M IW
may vrY q nfY nay Incomes a deers«e tossed
m the staled Yhdieaa, se feud In The WO sweet
.loom( Plea the mstt?n?n paWoury dbrlosed m wu
Th dnEl?pes veal b e/kea m it Iran day of yar
bilks Period coward by you Wtiade aulamet adnp
VA be allsclee on its teat mY m yw airs psn«
each nmn#L
4. Assersrt of LOW &-Be t tad RaMrd PENwt Fees.
Your accwn will be assessed m mere than two of thm teas
Bead has lot occur dukg any being period Under the
were of you customer agraanat, we nerve the right to
wow or not to area arty two without prior retiacerlm m
wId-A walving our tight to eaa«s she same or suntan
st • lea tea.
6. Yw Aosat. H • tnori mitip fee
appears w to two of No statement, you hew 30
m low arts Tes crodtad m you
=1=1.0:
If you c-cal you accent. Owing this period, you may
eamkas to tars Your aeeaari Werra hevng to pay err
nasty us cIs. To ON" a" customer scomd, you must
Depertlnard
and WY Iew Rorie n fiN (arAdlg the
metes) per to the and of the thirty-day period.
& ===? Hyou Your A..ol. You to
Z- dstansr Rd ¦ c
d«eear erodit carats) and
accont soar decks, cancel as proaulcriZed biting,
and cases using you acmm. It you do not raroel we VWN
r-.0 of ¦ chortle your arsiion m roocpeandydasurr
ecootad. Adltiarly, tau recant vtil not be dosed
cad You DaY M onsets you ovw u krckrdrtp arty
transactions; you how aulrriaed, fibres cages, Wa
due faes, ov~ fees, retuned psyare 1«s, cash
advents, fees and any Other fees assessed to you
account. You am rasparR, tot those amounts Whad-
dry appear on your account st the 'I'm yywau lepton to
class the account a they am Incurred sussgem to
yw rmgdrsat to car the accwrt. TNs may Inuit n
lunges apgeaalnp m you aerostat afia Yo+__ low _.
your amovd If It has already, been dosed. For example,
d you eAadmd a pudu« from a r ardrn end ws
mcolve the tramsecdon Iron the msmlw after vow
scomr, No been dosed. vw avant wall be reopened,
the roost of tin :M be added m your ancuu,
tad yywou rA be for psyn em H then is a
mrrieelip fee for Your savant, the be vA corn ,
e he d% m 1M eaant p«MUd by low, u d! the
adxaum bienn h« b«n Wirt In M «dehad Wove.
7. Udha Yee AaasmLYw card or acomme cannot be
sued in cwoc m with any inter at gamNnp
tramocil-a.
S. Mmi- About Bwe-Aa cheek converse- When you
us?Inbmision haw Vow died mehorbe to older to
to make a ono-dove
electronic find tranM from you bank account or to
plocar the par a cheek Irrhaec . When war
em kdomrtlal payment « your drek to I«ke m electronic
find transfer, /suds may be withaawm tram you bask
soeont « sort as the some, day we noeiw yqr
WNnrt, and you wi net receive your duck bock front
yw firrcJal Mtatlnrlarh.
BILLING IFOKWS SUMMARY
(in Cam Of fyron Or Ousdow About Yw 60)
It you sink yvtu bill In wYohy, a H you need more
Intumnelon on a traracdm or Wl, wvhe to is on a
eaparata shoat as soon u poaalls m the adder for
InqunM shown on the flan of IN* statement. We mot
hear from you no our then 60 after Mb seta Yor the
first bill on Whirl tin error a appesled Yes tan
cal our rust r it Rdsaar tarns, but doing r tall not
peaaw yar dghts. In your loner, give ns to tdk.*g
in your nsms and acoaed nuMar, the doer
anoua of the strpacted over, a dasefipdm of the emu
and an mpiaration, H possWs, of xxaaryry /au believe ahem Is
r ever; or It you reed mom inemation, a d«alpam of
the from you an ewee about. You do tat hew to pay ant'
short n wrote ws .ter fi, hu yw
Fro ifs d> atb to
Wy the pans of ywu fist Fro not
in quee" t. v e iwsedpae your question, we rerun
report you « doll"am a u arty eaten to dzlact the
amwH you questiet.
i,t Special Rule For Craft Cord Purchaiew
If you hew a Prbenm with Over quality of property a
services the you wM • credit card and you
low tried n 4th to carol the probian with the
nerdrt, You my have the right rot to pay the mmaiirg
amorn due on the p?psaty or senvicr. You have No
cony thepsdu?aa palm vas has thah
e6p O.W and err puaWss ww made in your Iron elate a
within 100 sales of Your wtlg address, Of we own or
operate the modem, or H we tmled you the
Wvemaanrt for the or seryloss, all purchases
Pro to not nperdar of akno
Pi. ua or location of pndr«.)
« remanbor m snots al mmyader oo.
t Does nor apply to owswav nos-eradlr mod "cow"
t Does not eppry to buhimv mrciaaw card sccowds
privacy pmts ti- Fes our
red service mark of Capital
his reserved s 2003
01LGUBAK
b. If the coda Z err N ggaer m err from
roe m'Belanm Ilae AppBsd To, vve
14991M
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.
L
1? 1
CapitalQnee
003
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PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
MAY 24 - JUN 23, 2003
Page 1 of 2
Account Summary Payments, Credits and Adjustments
Previous Balance $59.41 1 04 JUN PAYMENT RECEIVED - THANKYOU $59AI-
Payments Credits and Adjustme nts $59.41
Traosxtions $13620 Transactions
Finance Charges x00
2 19 JUN LINDSAY S SERVICE CENT NEW CUMBERLND PA $13620
New Balance $136.20
Minimum Amount Due $15.00 Can 9 million hungry kids inspire a nation? It's inspired Capital One and Amerin's Second Harvest,
2003
food aria
On Jtt? 5
li
f
b
ild
h
li
l
i
d
Payment Due Date July 23, 2003 ,
.
,
an on
ne
unger re
to
u
e
our country s
argest
omest
c
National Hunger Awareness Day, and theougune you ma help feed hungry children and
Total Credit Line $300 their families by supporting the online food dint at wrrw.xcondharvestorg.
Total Available Credit $163.80
Credit Line for Cash $300
Availahle Credit for Cash $163.80
At your service
To orU Cmtao r Rdstkm or to repro s lost or aolw cud
1-800-903-3637
Send paymmn V. Smd inquuin to:
Attn: Ranks- Preening
c4td one sariom Capiul One Ser ioa
P.O. Bea 85147 P.6O Box 85015
Rkl,mond, VA 25276 RrSmond, VA 27285-5015
Pinance Charges Pkuefa retxrxriAr ft impcrtae txfmxatron
i4daonrtr Pend -=&I WE
y1P,.dro rte
PURCHASES S,00 .04082% 14.90% s.0o
CASH $.00 .04082% 14.90% s.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
T PLEASE RETURN PORTION BELOW WITH PAYMENT. T
c_-Pnwcw 0000000 0 5178052138634189 23 0136200059410015007
N-priNeulmgaJirne? kA- -,R. -Vkk -&
N
New Balance $13620
Minimum Amount Due $15.00
Payment Due Date July 23, 2003
Total enclosed $
Account Number. 5178-0521-3863-4189
so-ar Apt a
Cay seem ZIP
Home P6om Alamos Ph-
#9017594670697246# MAIL ID NUMBER
Capital One Bank KATIE SURD
ro
P.O. Box 85147 111 111111 s???un?tt?? d, 1196 SHOREHAM RD
Richmond, VA 23276 ^h CAMP HILL PA 17011-6135
m
n.... 11.11.tu.II.. I Is.1.1.1.Is.1.1.Is.1.1
Pkare uweyoaraaowd number mr ya chirl or money order mmkpayabtek C#aaf Ow Bank and mail in Ux mckred a kpe.
First 3 months half-price
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a month;
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Mention Offer Code: OPAL
Or visit www.peoplepc.com/go%pal
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gumarbe, and a not affiliated with, any product or service shown here Any trademrb mentioned hared are solely owned by
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apply, even during trial paiode. You am rnponbb for defrmintV whether a cal to one d our axees numbs will re" N
tdephae td charges. Aware may be Ilntitad, especially rising tires of peak usage. DW-up numbers may be damped at
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tt?
Z
ENVISIONS
t?
8
N N
'era. Qwa Fwktd. You wit have a minierem pace period of
26 days wMeut fbems c harp new pwdrar, new
balers t -fans, row spedd Wrdraaas and row caw
darer if you psyy your tatar'New Bahamas', N
a'caridsrrhca wait tlu Mpomtant Notice for payrhwls below,
and h 3ne for It m be ended by Ycur rand sta[arnem
and papsdN trrnafera. in ad rIh- M gaga pabd
on any trareactian N You ds not pay the total New
b. Aaameq R tram Charge. Trarecdve vdddh am not
f tlr dab of are tnnaadlonsm-ditmt IM a=) 3,
trarrtlon Is processed to vmw Arafat or 3) from the
err drWer day of tie currant bMnp pobd A.dor.y,
N you dH non pay ae 'New Balaee hmn tha praviom
YbldhV psrlee inear, finao tlrrgea cantlda m scone m
Tito m em first you may ski raw firnanca chmipse, evon if
you pay are entire few Bdrmr bnAr?bd on the from of
your sonexient
dab, but did
not Ao se Ier sea by Pmldr remain, UpaW rp attrw dwDr of An.-c
t as sow t the appM?bMv sa % dod ?t
c. a%*- Fire CJrP. F 0 ooh bM
yam aatam Y madam m a tiro a mtiiram
tort RIMNCE ppMaAOE of 810.60 w? mapspB? Nytimer
peeade mmWJa N..?anmt" Jo 60," : w? r?d"rbtr.a ttmr
thrum from the M1550 rriimea and the diffaava wi be
baled to are purchases, aa?mwr of?ya? araerm.
t d. Twmyawy RwI 1 lot Firer mega. ltle remsrve 1M
dy[ to not war any r as iwre of -- for any yven
pabBe raId. To obuin tat awbge delly, bdase for to
baillino period covered by tNe aUbmerd, wo Lice the
91 ' bdanm of a--ch no wt each day, adpda?mywndesw
err cement (if(N ale COdt s Ms Roe m Vro front of 7hM
statement a m'BNan oe Apdled To; vane des
1t y
j tepid evasnoe Charge, find b in one bin
of ae-h each .) TN. u to daily bal
- ad Share h
Lb rus of each
aeon so, 0. bmwq petrgWadN? eAA each by it. unal
reenbr of days In the hYiq periodtTH 10- w 1h.
of each
AnW Raft. tAPRI. moment.
a. The team 'Annual Percamape ruti may appear as
APR' on de from of tit surtealelz
b. If ae code P "me), L 13y l)BM, C 1Cardficab of
DapodU, r S aBrdreerd Alone) apps as on ast far of
title arsawt rand m d.0 padede anew, tlr peiode
rte and ANNUAL PH4CB4TAOE Wits
may wry may Increase or decrease based
Mcco nt if k has aisadw been dosed For example,
. aWwtzed a pater from a merdwr and we
mcaiwm the transaction from de nerdnwe afw ytxr
account has keen cord, yore wears wet be reopaed,
elite anaat of the Wqp wall be ailed to your aoco nt,
ad wM be rasger"' for perasm. k aeon le a
on to BMW bus-, rptoound In TM WON Swam
Jowng plus These dmrgs*xs att caves on disclosed Y Yammer
beano Wdod .=be
Yamr Wmm ratamsd
and
Will FANNIN.
2. Avaraea DeelY atNnea ( Nwv Ftrahru 0. Assessment of tab„ Ovaink mall RWnred Psyswt Faea.
a. Rnence dope Is ealainM? by nmidplyYp Vel.daily You aecaat Wel be sasasaed no mma amn two of ae ups
bdaue a esch aaornrt of you aeeorae (s.4I cash Saud ter seat U'ar during army Willing padod Under tie
advro, paceab, special barrel ad yedsl pudree) tame of your ar"masr opssmad, yea baser to right to
by the daffy par Iddc rmW tlnet Ian been wmlve or not m awe try Use widest prior met -don to
pewkrly m y- Al to end of exh day during you w4dod waNep our right to asew the same or Amur
der bump posted, we apply the diy FakAe bon for as h
segment or your sawn to the dA?yOMlrnn of rdn 6.
ten . Then at to erd of this stab k -.Id up
tie malt. W aeae ataletlwr to arrlw at
Yam
r hpm ? iadr e ? ipnard at the tool we ul, the
firwroa cram- for w r aeoaar. To pat the bdmee
for aadn aeemwt d Mete arrant, wee tab the MSkrrYp
helsrrob fposrrfao dte finance ? array mew t r
and
days balrnee for that se0rerw. We d- abtmet
par- or cmdse passed = of der day tut am Arnad fi.
as des sachem. Tits g)wa r the sapaem daffy bloc
err sadn anorwd of yam "ca'ut. Ilowsysr, H you pdd the
Now BaWre dnowwn on you pnwbu abterrnert in
M (w
H war row halm wee zoo a • reds sa mat), row
[rmeaetl'rha 11 -Kt vor deader or acid
relic Yaw Aauut. H . membership be
m on the from of tits mademem, you have 30
arm the dne this aatamrm wrs mAad m You to
WYimO the fee a to hew such fee cmd1mci m you
cwhed Wan account. During Ws period, you may
r to we Yam sCterll %WWA hevkne to pay the
emllb =ac
oke aooorst, Parr art
w by re Cuwaear flNatw Monbnmarn
m TM terra Taw Assert. You can rapes to doe
you arrant by caNp are fSratarer fadad're
Dapanmrd. van hart destroy yam refit CamdW W
"morel aeeer ducks, e"ned d prowdhal:ed bMinp,
and caaae war "'Mart. if you do saw canna
moeipt of dupe yo ?Weri?iatlrn to namronrlywur
accomsrt. AddtirefiY. Yam seco re A rot be domed
utel you MY A arnasnm You cans um imchrdnQ wry
taeadtoru You hew authodzed, 11raroa charges, pest
due Idea, owdrdt fan, returned payment fan, Cash
wires fees ad wry oaur fees as"sn", to your
eaant. You an wapwuthN fan den aneuea vviedher
e you requew m
they apnea- on vast =mat
else the aceaat a ihemrred wmeaPUm m
Your repast m does to accamt. Tim wry matt In
Wpea sppearinp on your atcaat a}w you hew
mmMrddp foss for Yarn aaroom, de iss vri mrdrea
m be dwOed, m der aommt pamdmad by law, until are
arrant bdnea has boon pdd In AA r defined Wove.
7. Uip Your Aeewm.Yo r card or aceoua cednot be
used in maredmt with mew Inoamet W 60
tranamcdo r.
S. Iftd- Abet Beabrda Chabk Mwrdm? When you
proverb a deck are prAraet, you audedaa us aidw m
- IrIdrrnstim fan yam dne I to make a on e-d-
elsamnile had trarrr from yam bank aocaue or to
precast the as a deck basamc len. When won
us bdrllutlan flan your deck to make n snetmrdc
end transfer, Asia may be wAdekawm from you bank
aUewt r aeon as the aeries dry ws me" yam
paymat, ad You wi reek re'eW. yore dark Wck fan
yam inerrJd eNnntd'rk
BIWNO RIGHTS SUMMARY
fin cane Of Era. 0, Omwdene Abend Year OW
If yes diidt you bell Is wrong, or H you need nos
Infasealon on a trarecdan r bW -he to mar on e
separate wn mn tseen o frond of , IN. statement. the ? We ed
kgAft am
hear from you no law fhon 00 =dmye mMr yes earn you to
first 01el on Wide tee aver r paellas apparel Vou urn
pcpraraall saoorrrw your Custm err Rdatlar nm8er, bar does r wi non w the
inisnadaxyonenee a somia m ? at?ber, the dollar
amowt of tee suspected seem, a beet n of to err
and an eoplanadm, If poamNs i ofv.Iry you below them is
an ama: or H you nand mom drwutorn, a d-lipdon of
to hem you ae unmae WoYL You do not hew to pry try
an'nan In question Was We am irraealp"trnp le, but yes
ro so to pakynvshe pons of yoouur6ieldnkfon" aro rot
isp¢ we ? le cars."
rown you you as tl soon, a utoearty xdon to collec the
t e
imam you question,
i,t Special Rule For Cmdt Gm Purchases
If you love a problem with the queelty of property a
cradift "ad mW you
lueaw dead in fdSh m cawct the Witt ttre
memhat, Yas may few fie eight mat to pay the romabarp
duedr are y yM property or pdcs. You how this
450.00 and tlr =%'.. de N ymn fwwa arau or
W4ddn 100 Mike at your mgelkp anfikema Of We own or
operate the merdeM,porrr IfeRwye III, d you ft
advertisers" nro co-sed rogre" of m-: or location of prduse.)
a
Rasa ranaMer to doh all correspondence.
t D- eaf aA* m odawww noew-A Card --as
z area mar aA* m &.base norm mile -d accounts,
=One One respom inblmagon privacy prmecdac see or
at www. can
Capital One b a ybpIdt used service mark of Capital
CapitN Ohs Carpobtiah. A71 ti n reserved. s 200 3LBAK
the drys in the arrest bins cycle. To Calculate, your sera
swrape da/Y bdme:s by to
Ik?mrroe dearrg% meft your
Owfod Dona m rdMrp am s bay bmd. days mry t?p
Onw dpe betwaat tide emendation and to snout of
b. If tar uda Y r N aphsws onnam fiat of the wtarum
road so 'BaIdrw Rae APPW To: we neWOly the
393425
Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this
statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments
addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our
Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal
delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business
days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment.
I
CAPITAL CONVENIENCE CHECK
KATIE BU RD 70044
1198 SHOREHAM RD 68-677/510
CAMP HILL PA 17o11-6135 200884
Date
Expires 07130103
Pay To The Order Of KATIE BURD IL AF AOM%k, 9- 0% $ 200.00
Two Hundred and 00/100 Dollars
CW Richmond, VA
Memo Cardholder Signature
"0700440' l:05i0067781:7 10 2 1 386 3tai8911a
Page 2 of 2
Enjoy greater flexibility with the attached
Capital Convenience Checks
An additional and easy way to
access your account RE: Your account number ending in 4189
KATIE BURD,
We consider you a Capital One Preferred Cardholder. To show you our appreciation,
here are two Capital Convenience Checks` for you to use any way you like.
Use just like personal checks
Why should I use Capital Convenience Checks?
Y601 enjoy easy access to your credit card account with your two convenience checks,
which you can use for cash and at locations credit cards are not accepted.
You'll notice that your first check is made payable to you. Deposit it into your bank
Don't waitl account and use it like cash. The possibilities for the other check are endless-take
Your checks expire 01/30/03. a weekend getaway, buy new clothes or give as a gift-the choice is yours!
These checks have the same APR, credit line and transaction fees as your cash advances.
Just be sure the amount of your checks docent exceed your available cash credit line.
Thank you for choosing We hope you'll find your checks an easy, convenient way to use your Capital One
account. It's our way of saying thank you for being a Capital One Preferred Cardholder.
,VILG mow ^?
Sincerely,
Preferred Cardholder
Relations:
Customer ?
?-?--
(8oo) 903-3637 .
www.capitalone.com Robert M. Alexander
N Senior Vice President, Capital One
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P.S. Don't delay! These Capital Convenience Checks expire 07/30/03.
" Take advantage of both of them today!
'Please see the reverse for the terms and conditions of using these checks.
200884
KATIE BU RD
1198 SHOREHAM RD
CAMP HILL PA 17011-6135
CAPITAL CONVENIENCE CHECK
70045
68.677/510
200884
Date
Pay To The Order Of
OW Richmond, VA
Memo
Expires 07130103
Dollars
Cardholder Signature
110700450' 1:0 5 1006 7 78r:7 10 2 1 386 34i89"a
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Answers to your Capita! Convenience Check questions
Q; What interest rate will apply when I use my
convenience checks?
A: You will receive the same APR as you have on cash
advances.
Q: Where are convenience checks accepted?
A: Convenience checks are accepted wherever you normally
use your personal checks. You can even use them at
locations that don't accept credit cards.
Q: Is there a transaction fee?
A: Yes, there is a transaction fee for using convenience checks.
The fee is equal to your cash advance fee. Please see your
account terms for fee information.
Q: Can I really use my convenience checks any way that I want?
A. Yes, you can use your convenience checks for just about
anything-whether you're shopping for new clothes, enjoying
meals out or just want to have cash on hand.
Q. Will my convenience checks ever expire?
A: Yes, the expiration date is printed at the top of each
convenience check. So use them now for greater financial
flexibilityl
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Important information regarding your checks: A Convenience Check will be treated as a cash advance according to the current
terms of your Customer Agreement and any amendments to it. However, it may not qualify for any rewards programs. The attached
checks arc subject to cash credit availability, so you must have the available cash credit on the day Capital One processes your
check. Check acceptance is also subject to the current status of your account, and it may not be processed if your account is restricted
in any way, past due or in collections at the time it is processed. If the credit is unavailable or your account is not current, as stated,
your check will be returned unpaid and you may be assessed a returned check fee. These checks cannot be used to pay down or pay off
any Capital One account. Cashing these checks will qualify as using your account. All other account terms and conditions remain in
full force and effect.
Q 2003 Capital One Services, Inc Capital One is a federally registered service mark All rights reserved.
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a month;
4 7
$8.96/mo. thereafter
SIGN UP TODAY:
' 1-877-778-1207
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CapitaloW
Account Summary
Previous Balance $136.20
Payments, Credits and Adjustments $13620
Transactions $.00
Finance Charges S.00
New Balance $0.00
Minimum Amount Due LOO
Payment Due Date August 23, 2003
Total Credit Line $300
Total AvaBahle Credit $300.00
Credit Line for Cash $300
Avail" Credit for Cash $300.00
At your service
T. all Ctsw- Rde- or to mp"t • lost -.W- -d-
1-800-903-3637
Send poymmn W. Smd intptioes to:
Attn: Remittance Proonsing
Capital One Senior CapitalOneSmi-
P.O. Box 85147 P.O. Bar 85075
Richmond VA 25276 Riehmond, VA 23285-5015
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
JUN 24 - JUL 23, 2003
Page 1 of 1
Payments, Credits and Adjustments
1 17 JUL PAYMENT RECEIVED - THANKYOU $13620-
Finance Charges
Rd-nde
ytprrdA,
CHASES &00
CASHH 8.00
C
ANNUAL PERCENTAGE RATE applied this period
PLEASE RETURN PORTION BELOW WITH PAYMENT.
Pkaeera nrnrrendefer emfsrtast ssfmndson
,.V
10M 14.90K LOD
10M 14.90% $.00
0.00%
cxpftdo w 0000000 0 5178052138634189 23 0000000136200000003
New Balance $0.00
Minimum Amount Due $.00
Payment Due Date Ag=23,25E
Total enclosed $
Amount Number: 517&-0521-3863-4189
Capital One Bank
P.O. Box 85147 till
Richmond, VA 23276
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Home Phone Altawn Phone
FawlAdd-
#9020594670697241# MAIL ID NUMBER
KATIE BURD r
o ¦ 1198 SHOREHAM RD 1
CAMP HILL PA 17011-6135
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Pka- u7aeymr aavaat na-heron ymocheck m m my order spadepoyakAe to C#itd One Bank and moil in Ax endured m-4,pe.
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provide, endorse or guarantee, and is rat affiliated with. any product or service shown here, Any trademarks
mentioned herein are solely owned by the respective entity. Al rights reserved. By responding to ills offer, you
may be commutating Womladon about yourself to the company that provides this product - for example,
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available to now c11010 s bsft ,JglglplM1%wrs of age and may rat be redeemed with any other offer.
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For questions, cal toll-free at 1-8118-5TRYNOW.
Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll
charges may apply, even during trial periods. You are responsible for determining whether a dl to one of our
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usage. Dial-Lip numbers may be changed at Peoplliii discretion. Continuous use subject to tirneout
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PeoplePC in the U.S. and other ooumries.
0 2006 Capital One Services, Inc. Capital One is a federally registered service mark Al rights reserved.
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if you aWadzad a Wrdwe from a rnmdrK and we
ter. Ogee Paird. Y- vdN haw a n**- prau Pa
26 dye vdllrta fYr?oe dupe m row pradraes, new
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bdarnoe of each seprrs each dv. add env new
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h reeaiw the trarnasetion Into the merohrt error your
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w'o add up W the fieryy bdrroaa tar eacD
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in gimdm. WNM we y?t?m yes PrWm. we ur.mt
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avid peyYng dm tea a to have such fee erodted to your
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mob hen _X=. m rMw a the foul perlodie
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however
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Vain art destroy yam madt urdMl and
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and 1M Per was ma
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if Yam rrevv bd- wet zero or • coast a ouro), rmw
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we wA eaWdr
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dre days in rib tarmm bill cycle. To calculate Your total
ramrme dupe, rM1ply - aterage day balsam by dm trarracriahs you few au reopmd, Mane drrpe, Wat
ash
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at dhe l yes pmat to one otpporb hforrrmdm privacy protection: me err
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This may rowh in
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One is a federally rodaterod orris mark of Capital
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i Corporation, O1LOLBAK
Caone p-
4004
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.
5697oo-m
1WM ¦ ¦NW YYwasur9
Walk into the car dealership with up to $30,000 in hand!
Avoid the hassles of dealer financing and credit checks in Just 3 easy steps:
Let us know 2Get your 3 Head to the
you're interested. approval letter. dealership!
Simply visit us online at or call
Monday -Friday, 8 a.m. - 11 p.m., or
Saturday. 6:90 a.m. - 7 p.m. (ET)
Cap Ma?QWa
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
JUL 24 - AUG 23, 2003
Page 1 of 2
Account Summary
Previous Balance $.00
Paymenn, Credits and Adjustments S.00
Trane+eions $137.11
Finance Charges S"
New Balance $137.11
Minimum Amount Due $15.00
Payment Due Date September 23, 2003
Total Credit Line $300
Total Available Credit $162.89
Credit Line for Cash $300
Available Credit for Cash $162.89
Atyourservice
To mB Ca tomre Rdatims or to report a lost ar slam mrd:
1-800-903-3637
Sind paymeab to Seal inquiries t«
Alm: R.anitt- Procnsing
Capin Oae Senior Cap Oal P.O. Boa &5147 P. B.0=1--,
Richmond, VA 21276 Ridrmond, VA 23285-5015
Intoortant Account Information
Did You Know? Capital One offers more than just credit cad
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 tbree homes in the U.S.
Payments C and Adjustments
Transactions
1 05 AUG HOLIDAY INN BAR NEW YORK NY $17.00
2 05 AUG HOLIDAY INN BAR NEW YORK NY 9.00
3 06 AUG MOONROCK DINER NEW YORK NY 42.60
4 12 AUG EXXONMOBILls 09655812 LEMOYNE PA 53.12
5 15 AUG WEIS MARKET #1125 SHD CAMP H1LL PA 8.39
6 20 AUG WLI'RESERVATIONREWARDS 888-6885995 CT 7.00
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PURCHASES 8.00 .04082% 14.90%
CASH 6.00 .01082% 14.90% 8.00
8.00
ANNUAL PERCENTAGE RATE applied thib period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
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New Balance $137.11
Minimum Amount Due $15.00 sh a Apt 4
Payment Due Date September 23, 2003
City rare ZIP
Total enclosed $ Home Phone Ah-W Phone
AcconatNumber. 5178-0521-3863-4189 •
EmailAddrw
#9023694670697246# MAIL ID NUMBER
Capital One Bank
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111
1 KATIE BURR
1198 SHOREHAM RD r
1
P.O. Box 85147
Richmond, VA 23276 11111
1 m CAMP HILL PA 17011-6135
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Pleare mriteyoar aaowd number on yoac b -k or money order rands fayablr to Capital One Bank and mail in the endured enw&?A&
Go buy the car you want with no worries or hassles!
You've been pre-selected for up to $30,000 in financing.
a NO financing hassles at the dealership a NO dealer credit checks as NO application fees or prepayment penalties
Apply online at www.carfund.com or call 1-800-304-4854 today
and take a big step toward owning the new or pre-owned car you've always wanted!
Private Reservation Number for KATIE BURD:
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Certain conditions may apply. This offer is tanmaosfeable. Your credit history will be reviewed by Capital One Auto Finance in order to process your application and must pass scoring
requiteamts. The amount of your financing will be based on credit and application crilmia. Applicants cannot be in open bankruptcy. Minimum monthly income of S1S01) is required.
Payment cannot exceed 18% of gross monthly income. Minimum down payment of 51,000 ('m cash or with a trade or mandac ussees rebate) is required Total artespl financed must he at
lest $10,000. Loan-to-value restrictions apply. You must be of low 19 years of W. Applicants must have a valid sued address within the United States at the time of cermnct. APO. FPO
and P.O. Box addresses an s not eligible for this oHet Vehicle must be owned and maintained in the United Stores. Offm is valid Inc all models (1998 and newer) excluding Ilia, Suzuki,
OWNmobile, Mium"i, Daewoo and discontinued vehicle lira. Tennfmilew restrictions apply - see dealership for details. Tbis caw is not valid fa motorcycles, mobile homes. RVs.
cor mmreial vehicles and boats. This offer is not valid in AI(, III and US.-dependeV territories. Frogram nesmiaiom apply.
O 2003 Copilot One Services, inc. Capital (Me is o federally registered service mark Ali rights reserved.
0068362103-04429 orlon ease call during the hours of.
Monday -Friday, 8 am. -12 P.m., or
Saturday, 8:10 a.m. - 7 Rm. OM
Have this number handy when you contact us.
t or. 0- Plan You will have i mFNman ernes pealed of
25 days whhun hence draNS on rswr purdraea, row
balance tmnMs, new special prcfwas rd acv char
tlrrpea if, pay yov tour 'Na- Ildrnce, in
exadrre wMr the krrpaurt Nake for payments, below.
and In due for It m be caned by your next sumema t
e-Fn advamno-
dole iota. These b M awn pedal on
ant apwW trrrlas. In addirlon, ism I. on grace peed
on cry trasaaion If yeo do not pay cis total ?low
b. Annealing Fbwse Csrge. Transactions w Nch are rot
ogees m ore a-e-ed enhro dagp f )
lnonrh ri .=L7= adlat 2/ Iran ri den ri
ttnaaedm Is proeewd to your Aawit or 3) ban the
first celahdr der of ri arnwa bilge peiod. AdditiorslY,
It dd rot pay ri "New Bele o• fiom ri pear
your repaid helms, wall tlr unpaid balance Y paid In ful.
ThM mars that you may ads even Ik-o ch&We, even If
you pry ri attim New Balms ideated on the from of
you su tangs by do nerd ststammn edoaI date, but dd
rot de an for to pmvbm monk tkpaM fire roe ehegea
aA adibd to fro -air[ ell Wtr Amour
t c. Miser Fh-us .Far craft b , padd that
ppkde rebut blr tM W.GO, and vA ifferenc t rl t
ben m d'mm. 4=.-= riMrW,atrrsraMertce will be oop t d. Taapary arga. we roaarw the
rpd an nottdaaeaes any or ad Munee I pea for my t/von
2. Awraga Dally Bias 1 by mm lbw Misr-l.
a. Rrnar cheap noe .rge Is raledatN /tlplysg ri dWy
balms of each sears of your account (s.p., cash
advmo, prnrsass, %an" trwfm, ed species pods-)
by ri ?rsyardnq daily psmlodc rab(q dot h- been
psviarly ArJo-dm you. At ri and of each day e.rnm
ri hi" omlod, wen appN ri pmloac rw br a.cfn
sege.nt d' atxant m ri Were of wads
gym' Thu o ri rd of tin Pa. we the
ri reeldb f lhsaa
radadetias m aniw a erit. We
dolly tip
j;;Iodk ia nomham asdh ssarsnt advs" ids total pr(odlei
IY area dregs for you nowt To pet ri daily balroe
new
bedririrp balance of each s lane each day, add any
usneaceas to each aepnerh and subtract any yntems
or credits. Ire the code N "can e on to imm of din
statement next to -Balance ens ARnNed To: we saw
subnan wry upald /core charge Included in the balance
illy bYrioe of eedi
of each satrnenn.1 TNs gives us the
saanern. Tlwt vra add age W the dot barannes to each
seprnan for the NNng pMod and d by the total
number of dap b ri NNq pedod Tits given - the
nonage dally balance of each aegrnam.
3. Auroral vaaados Rae- IAPM.
Rate may appear as
s. The term 'Annual Psrofcwnagein sutenwatt
ri fiord d
*APR' on
b. If the code P (I¢dme), l (3-mo. UBM, C (Certificate of
Deposit), or S Bwk-d Pine) appears on the from of
this statement nod to the pNOdic rase W, 1M padodc
rat- and ANNUAL P61CBrf RATES
may enry ermay knaeana a dsrwaae based
on the stated kdow an foul In The VW Spans
Jorsnv( par cis megpnp paWary disclosed to you
Thaw d=s ristnsean enrq
Easing in -=b; yo r pedadc. _
statement now to the pedodc rsmbe ri ores
and mrtewmdm ANNUAL Fd (E TO may
att err as ± u driinr"'T. War* Street jaanabe"dsa4 pit.
yen. Tha- dwnges
the margin p ,4o dy rfsdaaed to
wW be efmcdw on the /tat dry of your Meg period
each manah.
ns.
0. Assessment k Lae, Overbit and Resumed hynwm Fa=
your aeceun wall be .-.d ro mom than uo of ri
Ned have than our dui" wry hsMg peeled Under ri
toms of your clatelwl agreement, we re-M to sight 10
wsiw or not to ace- any foes without mullcatlon to
without waiving our rWA to seas the sew or similar
Fn a later line.
6. Yw Aeoast If Is mambeahip fee
days le he from this of fhb amens n was as you haw 30
dap learn rn the refs such w ared a you to
cold paYlop the fee or w '" CiedlVo to you
you cero You account. Wi" this (lead. Vora my
me ma to u tae T your mom ened your sort haws" to pas cis
mist
mbership fee.
notify caalling our Cons r Relations Mparment
and pay y?u -New Balance- in 1d (eodWng to
rnrnbaap fen) p do, m she and of to gdrty4sy period.
Q N you Clean Your Aesnaf. You can repan to does
Wm aceaan ay cafMO am Qatanen Relatlenns
D most m. You onus destroy yar o? caned) and
aceast access drub, ewod all geauhodzd telling,
nd c"" you a coout. If you do rot =C
proauhodz bWrq amnperrtema, wa wlrNsacpaenydaeru
cola Additionally, chortle y your account ?tW rot loo cloned
well you pay cep -into you ova us includnQ why
transactions you have atahaizd, MNne tlrrp-, pen
clue fees, ovaMtit fe-, renamed pays fe-, ugh
advance Teas and any other Los -red to your
secarm. You am spmWSle for thaw ametnm weather
to
they appeer maooant at the time you Fatluart to
yax request to do- rho aecotam. TNa may rastst In
charge a drip on yaw aetwn ohm you taw
.__.?_ ______,__ _.
ran arrant if It has already been dos W. Fa et-npe,
if you aullwlzad a purchase from • nsrdnrm and we
re olve, the transaction from do merchant after your
arearm Iva boon dosed, your account will be reopened,
ri amount of the cho W will be added to your account,
endyar wsi be responsible for psW em. If than Is a
nrnerbeisiip fee for you account, the fee was carimr
to be dsnasd, m ri mmsn permrkted by Inv, uses the
aereum Writ a hr been paid in fW u dented W-.
7. Uig Your AeasaR.Your card or accent carrot be
used in connection with any In temat grMlkp
trrssctlons.
8. Nraaa,bnr dock " pre a ghaak you crush da- oftyen
u ?hennWon heart your I I to make a er -alms to
aisemonie had tmsfer hen yar bars amoun a to
reseasson up s?'kdo rivt = check to had harems, NtAa may be wad,**- woke an .11,mrric
from your bade
exam - sons an the same day vas receiva
yen
paymmm. ad you wall rot receive, your check ionic from
your Mandel iadmden.
BIWNO R1431rrs SUMMARY
pn CawsW Eiro%dMOwade s Mesa Your Bill)
in1 m tlon an a varsac a bill, twlr to us on a
sepaste slses - soon - pasta- at the adM- for
kqu41- shown on the front of die statement We mot
but from you no law then 00 days after we rem you the
hrol M on which the aavor a prablrn appeared You cart
call our OAmavar Relations tinier, but ding an wall not
g you sights. In your Isner, den m the fdbrMg
you ranee sew account mariner, ri ddlar
amours of the w?gecoad savor, a deacdptlon of cis crone
and an mosnetion, If poaaltle, of you believe rite Is
an error; or If you need more a dewdisdain of
to h n lo you are unwas, about. You do not how to pay env
are stil m pry ri pans of ypr h? tNt Mrot
M gtmtian. ova Invostlaata yen quMan. we cariart
?dy? d?eNn?gnwmt a take wy acdm m rdtNect cis
"t Spacial We Far Credit Card purchases
It you haw ¦ pro11 with the gnWlty of pmpaty or
servicas drat ==a-=d, , adneed and you
hew ideal in as ri prablan with the
mardsnt, you may phave alv right not to pay cis remaiinq
on
y w amount
due pat tion Nri/ she rurdor owvk- You s?aa prises wen ~mowra tthi han
450.00 and 7M potlnw wan mods In yen Inane sum or
sec
widin 100 Wages of your mssir" addtaas. (if w s own or
operate the misndnrnt, of If we maned you the
advertisement for ft psperty or services, all podsa-
aro covered mpsrdsr M amount or location of pref.-J
PIM- ranlnrnban m sign all correspondence.
t Does may apply yo oonaanar nor -claim nerd scroads
t Does not apply to buaseur naruadN call secants
one supports Ianikrmsdm pivacy pomWm, M eta
mQs M 9 ledersNy msta?dmwed service mark of Capital
uncial Cerpaden Fill ddma maw-d. 0 2003
one OILOLBA,
for emh grant of you amount. Iiorwavar, N you pdd ri
New Balroe shown on you pervious rausnem In kl (a
H year nawv baWOa wins zero a a rmgdt am."), new
trawCtlema which pass m your ptrdrr or special
dep'i"jwe s radslWy ankled to the daily balances. We
by M cis daily
ha1a110ee mperlarrd AMdrtN the rm by the umber of
ri dare in to crsru telling cycle. To ne(odam yar rota(
Nnaros erirps. nmlmpy your svewps dells balennce M to
tidypsntpdic as and by do number of drys I. do baling
paddL Oros to rounding on a dHy bsaM,
dpvadroa between this calculation and mrra
or
Maros doge ecesNy asasrod
b. N ri col Z o N appears an cis Aom of tits smtanent
row[ to alone Rae A?pW TOYS n?mstMY die „.,
38343S
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 Wriday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment.
4
KATIE BU RD
1198 SHOREHAM RD
CAMP HILL PA 17011-6135
Pay To The Order Of KATIE BURD
Two Hundred and 00/100
CZPiM10W Richmond. VA
Memo
CAPITAL PURCHASE CHECK
Date
10310
68-677/510
200877
Expires 09128103
200.00
Dollars
Cardholder Signature
uEL03LOu' 1:05L006778l:8652L38634Ll3q"m
Sao
Use purchase checks
like personal checks!
Access your account quickly
and comreniently!
Hurryl Your purchase checks
expire 09/28/03.
Thank you for choosing
Qvpiwow
Preferred Cardholder
Customer Relations:
(800) 903.3637
www.capitalone.com
KATIE BURD
1198 SHOREHAM RD
CAMP HILL PA 17011-6135
Pay To The Order Of
Page 2 of 2
Enjoy this special Capital Purchase Check
offer for Preferred Cardholders.
RE: Your account number ending in 4189
KATIE BURR,
Because you are a Preferred Cardholder at Capital One,' wed like to show you our
appreciation. So, we're giving you two no-transaction-fee Capital Purchase Checks* to
use however youd like!
Enjoy easy access to your account with these checks, especially where credit cards are
not accepted. Cover unexpected expenses, make home improvements, or even donate to
your favorite charity. With no transaction fee and the same APR as purchases, you're
sure to find plenty of ways to use them.
The first check, which is made out to you, can be deposited into your bank account
and used like cash. The other check is great for transferring balances ftom other
accounts, such as retail or credit cards and loans. By consolidating debt into one
payment, you'll have fewer checks to write each month-and more free time for you!
Just be sure the total amount of your checks and other transactions doesn't exceed your
available credit.
We hope you'll enjoy your purchase checks. They are our way of saying thank you for
being a Capital One Preferred Cardholder!
Sincerely,
Robert M. Alexis
Senior Vice President
P.S. Dodr delay! These Capital Purchase Cheeps expire 09/28/03.
Take advantage of both of them today!
*Please seethe reverse side for the terms and conditions of using these checks. 200877
CAPITAL PURCHASE CHECK
CW Richmond. VA
10311
68-677/510
200877
Date
Expires 09128103
S
Dollars
Cardholder Signature
n'L0311n• i:05L0067781:8652L38634L89iio
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Answers to frequently asked questions
a?
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0, Is there a transaction fee?
A: There is absolutely no transaction fee for using
purchase checks to access your Capital One account.
Q. What interest rate will apply when I use my
purchase checks?
A: You will receive the same APR you currently enjoy
on purchases.
Q: Can I really use my purchase checks any way that I want?
A: Yes, you can use your purchase checks for almost anything-
whether you're shopping for new clothes, enjoying meals
out or just want to have cash on hand. Another way to take
advantage of your purchase checks is to consolidate debt
from other credit cards and loans.
Q Why would I want to use my purchase checks to
consolidate debt?
A: You can save money by transferring balances from high-
interest loans, department store, gasoline and other higher-
rate credit cards to your Capital One card. In addition, by
consolidating debt into one simple payment, you'll have
fewer checks to write each month.
Q. Where are purchase checks accepted?
A: Purchase checks are accepted wherever you normally use
your personal checks. You can even use them at places that
don't accept credit cards.
Q. Will my purchase checks ever expire?
A: Yes, the expiration date is printed at the top of each
purchase check. So, use them now for greater financial
flexibility!
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* Important information regarding your checks- The attached checks will be treated as purchases according to the terms of your
Customer Agreement and any amendments to it but may not qualify for any reward programs. The attached checks are subject to
credit availability, so you must have the available credit on the day Capital One processes your check. Check acceptance is also
subject to the current status of your account, and the check may not be processed if your account is restricted in any way, past due or
in collections at the time it is processed. If the credit is unavailable or your account is not current, as stated, your check will be returned
unpaid and you may be assessed a returned check fee. These checks cannot be used to pay down or pay off any Capital One account.
Cashing these checks will qualify as using your account. All other account terms and conditions remain in full force and effect.
0 2003 Capital One Services, Inc Capital One is a federally registered service mark All rights reserved.
38343S
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CAPITAL Purchase CHECK J
KATIE BURD
2298 SHOREHAM RD
CAMP HILL PA 17012-6135
10335
68-677/510
575200-01
Checkeapires October 24 2003 04399
Pay to the order of
Dollars
-1112•WO/(G Richmond, VA
Cardholder
Memo Signature
Na &033Stta i:OS &0064481:86S 2 &386341891''
CapffafCW
Account S
Previous Balance 5137.11
Credits and Adjustments
ell :137.11
Tray
ns $7.00
Finance charges 2.00
New Balance :7.00
Minimum Amount Due :7.00
Payment Due Date October 23, 2003
Total Credit lane :800
Total Available Credit :793.00
Credit Line for Cash :800
Available Credit for Cash :793.00
Atyourservice
To ai11 Cusu- Retitbm or to repo' a lout or stdm ned:
1-800-903-3637
Sad pa7mam to: Smdingai ,-
Arm: Ra ktanoe Proonaing
Capm Of SW i- Capinl One Secviors
P.O. Boa 85147 P.O. Bas 85015
Rkb-d, VA 23276 Ridmond VA 212&5-5015
Imaortant Account Information
Did You Know? Capital One offers more thanjua credit card
Products. With more than 45 million accounts, Capital One
Provides valuable financial solutions - including =a loans,
personal loans, CDs, money market arrow and more - to
one out of every three homes in the U.S.
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
AUG 24 - SEP 23, 2003
Page 1 of 2
Payments, Credits and Adjustments
1 22 SEP PAYMENT RECEIVED - THANK YOU :137.11-
Transactions
2 to SEP WlZRESERVATIONREWARDS 888-6885995 CT :7.00
Families EARNING INCOMES UP TO $36,000 per yar or mane may be eligible for low-cost or free
health ewe coverage FORTHEIR UNINSURED CHILDREN. If you or someone you know has a
child without health im atrance, call toll free 1-877-KIDS-NOW for information about the low-cost
or free health care coverage Programs in yam stau.
Finance Charges P@areree rsveru si&r * important information
N I?f/u/N? AYX?d
ca., PURCHASES $.00 .01082% 14.90% tho
CASH $.00 .04082% 14.90% 8.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT. v
ow 0000000 0 5178052138634189 23 0007000137110007009
New Balance :7.00
Minimum Amount Due :7.00
Payment Doe Date October 23, 2003
Total enclosed :
Account Number. 5178-0521-3863-4189
same Ape. a
Cur S- MP
HomsPhoOe Aleamre Pmt
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BmdlAddrew
?a #9026794670697241# MAIL ID NUMBER
I Capital One Bank o, KATIE BURD
PO. Box 85147 111111 111 N 1198 SHOREHAM RD
R . ichmond, VA 23276 CAMP HILL PA 17011-6135
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not qualify for Check plame in ash msabject oonis program. to the assets The attached check Is II ati to emdt avold0ty, w yw was how the ova" cmdt m the day Capital One processes yw deck
aooe
tine b Is p ptarm H the dssdt Is rHVaM" ata of Yctr Accaap, ad the check may not be pmoesed 11 Vas aecotrs In ambl and In arty way past due or m oWactiana at the
camas be used to pay down a pay otr any Capital Oy" Azcmffl ne Aceoum.Cdirdis chock A euaFty as uirp Axaam. O 200. a+YOne Sonless, Irc Reummd drek tee. TN. Mark
ragh a ad serNce mark N dens reserved 1 Capital One m a federeky
a. t}sea Paisd. Vw heal N miens Rao period of
25 wehmr femco m mw phrtwes, row
bal- ri trmabw, rove ato al - - Bel s and In otlrr
dWM If you ps1? yw tlNew Baeras', In
acootdrhm with tlr krportrs Notice fa psyrnems blow,
and In des for it to be credited by yar note state s om
Them 1. - grace - cash Wwrices
d 19 mr
sibm. In sdn, ddaia b Vast
?tra.ecdon if you do rot Pay the tad 'New
b. A.atBr Fk- Charge. Twnsa d- Whlch em not
data, of the trw.edon noor 2) ? from flr? ow t)
fmav the da
trerracdort Is Drooased m tone Armam or 3f hem the
r leased s hr, matco dhopw kmlkare to soeruo w
yaarq
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TTh b mans drtryou a r my to ohpveld e p es e
a teg, wmrWh a
you pay the rsie Naw BYrrs kt 'm the Trap of
yw aaahrs by des teed atatsmrm doskg deft, but rid
not do se for des p=1 rm?asnrmb. UrpMd firwus dhapas
t C. Moves mr Fkrmew goetor sad% biihp period ttlu
r w F*1ANCEderarpMs 1m VI`1ipoIn- .AD vwN bbpep-Birfp0otlas1 N tththe
paNde:ramW 1. cite D0?50, q witi a6trecf)mt
amen from the W.50 nhinhkusn and tits dfferanhco IM be
baled to do purchase sgnta? 0 your accatap.
td. Teuprrey RaiMien let penes 9 hap. We weave dm
dpp to not tlasN sly or all RWY2 dwgu fa any III-
2. A bwnaeihp Ralrst Iktaklita New P rdnn).
e. eu ice cfwras m claLW 6v wcioMno the daily
=,=t m prredc row for set
the Woo of each
tun at tie end of the PM44 we add up
RB bow each sapmem w ardw at t
rho carom for Vas atxeum. To pet
each epnrs of you eaters, cos t
sae fa each rstrAm and amtl rw
on
g
o 1
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oat epnrr, t nee pvr u tun wire dsFy blprarhdos
Blmas?! ha parr arwnmrK In Ai (or the
r each O
was asoo or a
ahaat101ha Witt past to Voter purchase or special
aNinp cotwmd by rise sesames, we take the
baerhco of afth se-gi - each day, odd any
new
tFW*ft-MM 10 each ftaftem, Am! *AftaCt -W
Tnt
orb NN opposes Appftlemm front
stmact arty utpsid Nmrce charge irAtlW In the W Wrce
of each "-m.) This Owe u the daily berme of each
sapmm. Teat, we Wet ?p all to dMy WWyss for each
sopnem for the tlNnp;= and d:M by the total
urmber of days In the 611nq pW d TN. gives u the
.werape dolly bsiarca of each sspmoa.
3. Aural .drat 0 hobs (APRL.
a. TM hem 'petal P-sm. a Rats' may appear as
APR" m de /rap of this raremem.
b. If the cods P prlme), L (3-rm. LIBOR), C (Certificate of
Deposit), a S (Bordcsrd Prim) opposes m the from of
this statanmt rhm to the pedafe mote), the papodc
rates and oomrpahdop ANNUAL POiCENTAO RATES
may wry quadedy am may ihcmpe or decrease based
m the atam! khdrtea, as farad in TM W.P Sraa
Jawwi, pie the maps gpms disclosed to you
Thase veal be .TIKdw?ym hive iM day of leur
hiNithi penoo cowed by Vw pedode stalmhap wK%
=F( , Apt J d and Octchst.
e 11w mortis 1~ n
a. If the cods D a LIBOR) ot a (3-mo.
LIBOR Repd.W mat" m m dm eotn of yeah
statarrwrd now to tlhe
and COFMNWFNm ANNUAL POCFMAOFpdas
tun rmrpn PW"1dy deceased to Veu Those chwon
WN be efeptiw m 1M AM day of yar balig period
each monde
4. Awwnot of Lat.r Ovagsmt of Maimed pgwrt fart.
Yw aeeatet WN be asseed m mow thm two of do sea
Noted hew that ocoe dtnkg any burp paled. Under the
taws of yw amamar apwam m. was mo trve the dpn w
wive or net to seems my eas.Wlhrs pdor mdicadm to
Wthw whip w spa to ass the sewe or d.M.r
at a eta time.
5. Yrr r Aamnt If a mrlel 6. is p fee
appsm m the from of cis stateroom, you how 30
daM tram the dow this stnewsw wee muted to Vw to
awed payig the fors or to how cosh in ctadtod to you
it you caner yop accotn. During the period, you may
condIVAR w us Vets WCotnm Wthw havig to pay the
rod W t Y Clot accotsit M you Dpamm
m
y New Blame' In lea (mdlmdtg the
?fs) pea to the end oil the thirty-dsV Reed.
8. N Yw clea. Yoe peacoat. Yw tan magnoat to doss
yywar aeco run by rsalng w Gtrn Restiamr
taut dastrol' yet. ur predl carded aW
Depalnrn. You
:ccoum ehxw Cltseka, earhM ail pmseuthalzW brig,
pwMnwlirW hwllp anaflpMmalw, We WN der
roc 4 of a choW your mA oezatim to
reopen yaw
mecum. Add kedly, Your amxotn will not
h tlesed
Uri you pay as smaaas you orw u khdtmilp: any
tranrrdtioto Yotm luw rldhoezW, inaree change, Peat
=ono
owdmit gee, tattrned MVatn ter, e.sh
advance fuse aW my other es awned to you
aces m. You am mprWMe fa these amarm whMer
rimy appear m yore accom at the lkne yyoauu
close tfe ateoua or they am kw red sttosegtrs? to
yam mutest to toss the acco m. This may writ In
Yctt ah.toazso ¦ pucrrN hmm • msmvhrlt ors we
neoeiw tlr trarhoetlpV 1st cite mmrdhrm sea yw
usbeta cooed,d vats aoaeoddetamd vealbsmoc=wod,
adscoarsamhseel
mrps wrbs to the oI
aW Wu w?N be ro mapymw amctarorsphta, y On nmm. No it 0 I.
tee for ot? a
toomaanp amass
to Ds ofwpad, m des sheath nitm by M d c ear low, dab the
acootn ounce has Dean d a as s deMW above.
7. iWg Your Marn.Yw urd arr earshot be
used asvmtin with my kmor accrtar esbNtg
twrswcdom?
S. Notlee Mat Oaaares phe.k in. When You
prwAst
a check
from psyroom,
your chock you u a mph or either to
orwatim as
er omcc find ttw(erwfrom ta make make a • err-or o
slaprocess the psym m, as a cry trarraetion, When we
tam ettottttapon front vase dmpk m make m electmrhic
krul transfer, Kaye my be widakawt from Vote bark
a cant s am u the arm dry we maim aa•
y ? =net mksiw yw check ybatik from
BILLING RAMS SUMMARY
(h Case Of Enos Or Cuw6ao About Yw BIN)
It you limit your DN Is -orti; or H you n.W room
elomadw m e Immactim a bal, wens to u m.
sepawts sheet as scan as possible at the address tot
khebea lawn m to from at this atatamem. we must
rear teas, you w later then BO ==
the
AM bill m with the error or pcall wM"1VaOww nor Retailers rurber, but doing so WB m
inbnmetlac yaw riewe In ry- lower, 01- - #0 lollvvft
d accomm nber, the dollar
arnohsn of the sapscsd acct, a deepmpdm of the atror
artrt cotplansficst, you Ifd=-X you bellow ?t?oils
an snwr a a If If you ,teed was a
the hen yw we wsue about. You do tat have s pay my
a asp dtgisd towlis we am aaeglpaYno it, but you
1wid pay the perm of yuur_ tilt that am not
if quasdort. cos itw.11 yw 4msstlat, wn rawmt
spat you as =-A a ta - atlas, to 1 a-t the
anoun You Omni-
r,t special We For Credt Card Puc asses
If yap how a prabirn vsdh du qulhy of property a
sahrioes 1hs1 yw 1aM vMh a crock -of acrd you
haw teed ti m aaroel the prohlrn Wth the
mwdwm, you may have the iihf not to pay the mnakirg
amen due m ds properly or seniasa. You hew this
pMad:Um aeiv w/sn rive ptsrlwrr price "es mote cite
*60.o0 and rive chase was `* hn yaw home sws or
Wolin 100 miles of ywr walling addws. (if we own a
asperse tee msrJlarht, a If we n.W you the
adwrWrnrn :=,e a wrwass, M prrcusee
aswood rep R tof msun a britlm of pwdrae.) mmeenber sign ei conraspondame.
t Does not apply to dmrwwf -,cmdfl card aetaana
t Does not sAply to basbteas noel-eelf carol accounts
Calsl One stppom MpmaNam privacy pMacdar w out
was at
www. can.
Capitl One Is a Jaderally trod ssrvia mark of C+Pitl
Om Rner dl C eporadon, All ripen raserVed •2003
cagtl ore OILOLBOkK
gam. w m raaheg m • eery ens, ttrm may be •
cps veers belaveel cis rallaladeth red a sacra of
b. H tic1ha ite code Z tlrtpe
a N = fiom M this ataslnan
row to 'Balance Rata Applied To: coo madly the
set zub
Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this
statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments
addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our
Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal
delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business
days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment.
I
CAPITAL PURCHASE CHECK
KATIE SURD 10336
1198 SHOREHAM RD 68-677/510
CAMP HILL PA 17o11-6135 200877
Date
Page 2 of 2
Enjoy this special Capital Purchase Check
offer for Preferred Cardholders.
Dollars
CCW Rchmond, VA
Memo
Cardholder Signature
no LO336u' 1:0S L00677a1:a6 5 2 1 38634 L89u'
0
Use purchase checks
like personal checks!
Access your account quickly
and conveniently!
Hurryl Your purchase checks
expire 10/28/03.
Thank you for choosing
CapiwQ/T(,'
Preferred Cardholder
Customer Relations:
(800) 903-3637
www.capitalone.com
KATIE BURD
1198 SHOREHAM RD
CAMP HILL PA 17o11.6135
RE: Your account number ending in 4189
KATIE BURR,
Because you are a Preferred Cardholder at Capital One` we'd like to show you our
appreciation. So, we're giving you two no-transaction-fee Capital Purchase Checks* to
use however youd like!
Enjoy easy access to your account with these checks, especially where credit cards are
not accepted. Cover unexpected expenses, make home improvements, or even donate to
your favorite charity. With no transaction fee and the same APR as purchases, you're
sure to find plenty of ways to use them.
The first check, which is made out to you, can be deposited into your bank account
and used like cash. The other check is great for transferring balances from other
accounts, such as retail or credit cards and loans. By consolidating debt into one
payment, you ll have fewer checks to write each month-and more free time for you!
Just be sure the total amount of your checks and other transactions doesn't exceed your
available credit.
We hope you'll enjoy your purchase checks. They are our way of saying thank you for
being a Capital One Preferred Cardholder!
Sincerely,
Robert M. Alexande
Senior Vice President
P.S. Dort delay! These Capital Purchase Checks expire 10/28/03.
Take advantage of both of them today!
*Plcase see the reverse side for the terms and conditions of using these checks. 200877
Expires 10128103
- $ 200.00
CAPITAL PURCHASE CHECK
10337
68-677/510
200877
Date
Expires 10128103
To The
WOW Richmond. VA
Memo
SO
Dollars
Cardholder Signature
II310337u' 1:051006778i:8652L38634i8911'
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Answers to frequently asked questions
Q. Is there a transaction fee?
A: There is absolutely no transaction fee for using
purchase checks to access your Capital One account.
Q: What interest rate will apply when I use my
purchase checks?
A: You will receive the same APR you currently enjoy
on purchases.
Q. Can I really use my purchase checks any way that I want?
A: Yes, you can use your purchase checks for almost anything-
whether you're shopping for new clothes, enjoying meals
out or just want to have cash on hand. Another way to take
advantage of your purchase checks is to consolidate debt
from other credit cards and loans.
Q: Why would 1 want to use my purchase checks to
consolidate debt?
A: You can save money by transferring balances from high-
interest loans, department store, gasoline and other higher-
rate credit cards to your Capital One card. In addition, by
consolidating debt into one simple payment, you'll have
fewer checks to write each month.
Q: Where are purchase checks accepted?
A: Purchase checks are accepted wherever you normally use
your personal checks. You can even use them at places that
don't accept credit cards.
Q. Will my purchase checks ever expire?
A: Yes, the expiration date is printed at the top of each
purchase check. So, use them now for greater financial
flexibility!
* Important information regarding your checks: The attached checks will be treated as purchases according to the terms of your
Customer Agreement and any amendments to it but may not qualify for any reward programs. The attached checks are subject to
credit availability, so you must have the available credit on the day Capital One processes your check. Check acceptance is also
subject to the current status of your account, and the check may not be processed if your account is restricted in any way, past due or
in collections at the time it is processed. If the credit is unavailable or your account is not current, as stated, your check will be returned
unpaid and you may be assessed a returned check fee. These checks cannot be aced to pay down or pay off any Capital One account.
Cashing these checks will qualify as using your account. All other account terms and conditions remain in full force and effect.
0 2003 Capital One Services, Inc Capital One is a federally registered service mark. All rights reserved.
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The Deal You've Been Waiting For ...
MOTOROLA
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rawngthebarr.Al- n,.v0mtssasnpsrslm. Cardholders
a_ ,70,,.8,35 ? ,? F
003
Capiita1CW
Account Summary
Previous Balance $7.00
Payments, Credits and Adjustments 5.00
Transactions $289.80
Finance Charges $127
New Balance $298.07
Minimum Amount Due $22.00
Payment Due Date November 22, 2003
Total Credit Line $800
Total Available Credit $501.93
Credit Line for Cash $800
Available Credit for Cash $501.93
Atyourscrvice
To c211 Cnstoma Rdx6ow or to report a friar a stden card:
1-800-903-3637
Seadmmentsto: Send iapida to:
Attn: Ra6ftu ePmcming
C4td One Seniors C.PW One Swim
P.O. Bas 85147 P.O. Box 85015
Ri&mond,VA=6 Richmond, VA 23285-5015
PLATINUM MASTERCARD ACCOUNT SEP 24 - OCT 23, 2003
5178-0521-3863-4189 Patel 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 OCT E)XONMOBIL38 09655812 LEMOYNE PA $35.51
2 08 OCT EXXONMOB1L18 09655812 LEMOYNE PA 35.51
3 10 OCT WIZRESERVA11ONREWARDS 888-6885995 CT 7.00
4 12 OCT EXXONMOBILIS 09655812 LEMOYNE PA 10.07
5 14 OCT EXXONMOBILI8 09655812 LEMOYNE PA 35.51
6 15 OCT EXXONMOBIL18 09655812 LEMOYNE PA 10.66
7 16 OCT WINE & SPIRITS 6708 NEW CUMBERLAN PA 23.94
8 16 OCT CVS Sh63o MEW CUMBERLAN PA 67.09
9 21 OCT EXXONMOBILls 09655812 LEMOYNE PA 35.51
to 23 OCT PAST DUE FEE 29.00
Families in PA EARNING INCOMES UP TO $43,240 peryear maybe 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 five health care coverage programs in PA.
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.
Important Account Information
You were assessed a past due fee of $29.00 on 10/23/2003 bemuse your minimum payment was not
Cast your vote on capitalonebowl.com to help select the received by the due date of 10/23/2003. To avoid this fee in the future, we recommend that you
National Mascot ofthe Yea from the 12 finalists, and be sure allow at least 7 business days for your payment to reach Capital One.
to tune in to ABC college football, ESPN, and ESPN2 to see
this year's masoot commercials! This yew's winner will be
announced during the Capital One Bowl, which airs on ABC
at 1:00p.m. ET on January lat.
Finance Charges wn
t
Xwe sm reverxf** important iaforma
B.laardr ?
?
A,;.& g LM
.inflrlaa rde
PURCHASES $103.62 .04053% 14.90% $127
CASH 5.00 .04082% 14.90% S.00
ANNUAL PERCENTAGE RATE applied this period 14.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
C.-VI"OW 0000000 0 5178052138634189 23 0298070137110022001
P4mprnat sr ifiwgddra-,,V- e-m iteAe{rerk1m-Wb--,W t vk
New Balanoe $298.07
Minimum Amount Due $22.00 std Apt E
Payment Due Date November 22, 2003 Gry s_ ZIP
Total enclosed $ I Hue Ph- AlmosuPh-
Account Number: 5178-0521-3863-4149 4r
PmdAdd-
#9029794670697248# MAIL ID NUMBER
Capital One Bank s- KATIE BURD
P.O. Box 85147 1198 SHOREHAM RD
Richmond, VA 23276 CAMP HILL PA 17011-6135
Pl we u iteyae acmant arunber m yarv dunk of many o Am made fayebk to Oita! OwB=h and mail in the endured envelofe.
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mcdro Remus pad c1r hale alwtmr mjr whoa Otlw reetrkiiar em yMoik W91 far ddeAe. Oflw
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of Cingift Wirdss. LLC Fleft The Sr and to ps i w swvla mrb d aleea, U.C. %QLA"
Wirdese and go angular Whewst woo are+.derraft or 0dwed saawnrks or Cklper Windmill; U.C.
O 2OD5 Cwpllor WSrdesa, LLC.M ddde reserved.
Id'hwer, arpdr'rd Wimty' are repwmlEO for tts alter, and are not aMMW wi Cap(W One. Copitd One doer
not provide ardase or gtorades, and Of not of llOW with, axrIjy prvad or got ellown here. Any In dememb
levels am toady acrd by to respective wWq. AN dpas reorysd. By reopeaft to ft offer, you may be
Orr ar k*m MW Yourself to live cmyonf tld provides the product - for e)mff* , find you are a
O 2005 CWW One Services, Inc. Capad One is a fedrdy registered service murk. All VO reserved.
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Inbmatlon an a uamncYau r her
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the of
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from
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rat. almost on the madames; for
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quddss am m? ? ldoegq
hale
two the pudar aspnr[ of amain.
Tmrwrry ReAMSh h Parsee ghrgw We resew the
td ,d khdkri, so fond In TM Who Saaal,/ersal plus
the menyn
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Y. arson vela be a
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balance of each rwmm of you tastes (s.g., cash e more
men
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en oop ru
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pos
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en errs: or If you reed mesa khforrnuYen
a deaedp , of
eMence, pudrs, special a ads and special purchase) tenet at your tmrermr opsermm, rte Nerve the ufdt m ,
the hen you ore ususe abouL You do net haw to pry an,
by to day, pednde rataW that has been
? lkaaten to
te
wales a not to ass any r == 'mars In As w an
Investlosi q h, b
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on you At the ad of each day s
the him pealed, ter apply dhs rYy mrlNcp d mkr wltMut wlvkp w di
rt to it".,
w
Jyewn at s 1nr rime. re star m pay the of you
aorta
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ee0eem of your so.." m lien d
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wn
tlhe as of these kvlatanhs m advs =1 ar
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mots how each seprhrlt m ashen at the total pededc avo
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If you caned your axon
Du ing this pedal
ou ma S,t Special We For credit Card purchase;
srhanps chum for your account. To Old the dolly Wrda
for each rpmm of you arras, we us the 6a CO .
, y
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rannane to tae your aooant viamu trwhg to ay Ur
market" tea To eruct yar aecant, you must
If you hive a pmbrmr Wt h the quality of property or
t
balance for each aspnheK and slid any raw trrraetwna mdly u by calanp ar customer IMlatlms Dapenmern
' er yes w/tt a erodt mM and you
here salad In /altlh b emset to problem with the
and qty thaxoe elrtgs c dc lso d on the povias
days err dust rpmnr. We thhanh aitmr any
paymhaub r medta parts ? of to. day slat ant M-.d and pay yar New Balsas
In full Nxdtu6np the
mrnbeaalip /sy poor m the and of tM 1111"y period.
8. H You Clove Y- Ammonite. You em roprat m dcee martiwd. you rosy have to rids net to aY the nmsNnp
amour ds
the a
ss
nl
s
. You Irve this
im
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m drt aeprtwt This dvr r the spmme dolly Wanes
for s
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paid lien yar accent by cAM ar Customer RWMar
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360.00 asdand dr Orlin witrmade in Yee Irorm sots or
my r
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Balance, hommmm count a
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u
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ncoard seder uireodb, caned as pmaMahad hrkp, violin 100 roar of you nhsip addmr Of we ova or
u the standard
of N ws mdwd you the
H You nusav balaurs err txm or a rndt amotrd), row
narewdelle which post to you prdwo or pedal :=,.I= aceeusn. If yes rb rot eanmal
mapananu, era vA consider ,
advardsoment for
the pmpmy r MMcee d IrurcJera
an cowmd espalier of amartt r beatlm o1
rdtaee
)
larchase sepnrds am not added to the daayhelthe We
rtrr W ." n as
bdrhtaa ta
etlrf ad dM6 recep of a drape yar sudadzatlen m
accouint.
ds AddUrrMy, Yes accent W not bs cloasd p
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pear remember to Nph all conepodaho.
g
p
the days In then otrrentt baap wyde. To calasan year teal
1 ta
tram Nan jau Irw ovoeed, Ormonce art t OO°a nai apply r° c°nwu"r nnrrrraflf wart! oceans
firtsres drrp0. yar =
dally balance by tlr
dray ram rd lies nasalMf of day h Sine baip dos air, owshdt fur, restated pnynnrt far, cash
edvrxa face and any other bas asasuW to
S Does not apply an btaaeas ire-ra it coed accowda
psm rout3p en • dray heals, tlhere may ba ¦
emourht. you an rospaWhls for dmr amenn
M."
ids vedrroe Uetwarh tlts cekvistlom and the amour of troy passe on your sedan at the tkne you request 10 =one Supports kfWnsfm privacy Pfctectien: see our
t
Mtrups dfrBS aeuray sensed
b. If der o06 7 r N ?pssn m ten fiart o1 die stateman der the eecourd or they am Incurred sisequers to
vas request to airs ft account. This may roeM In a
www. tram.
Caphal Om Is a isdorailly toglocinvol service mart of Capital
ma m 'Bdrte Rau Applied To: wo nsttply Ilhe wcant Sher you Mw
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t198 SHOREHAM RD
CAMP HILL PA 17au-6135
iooooooosa36aw3
aua
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
OCT 24 - NOV 23, 2003
Page 1 of 2
Account Sttmmary Payments Credits and Adjustments
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1, lbw To Avoid A Firma Charge.
Q
P
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aearrMhm with the Yrpottarrt mark. for psymams behove,
and In time for it m be credited b
ou net surmount sterematt nK to -Brartp Nate Applimul To: we oho
adnract an
aid Mama cN
Included in the balance
un ad you v ll be mepormWs for paym m. H Oem Is a
marmemm
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the fee wW comin e
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rid pi
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rilspt m a p am pabd ere MV)= )
fmm ri deu cry ri tjr c=on dam the 3. Annual Nrereaya Rule. IAPRI.
a. The term 'Annual Mscanm.ps Rata' may appear as S. Nrlaa Abed FLebori Clrk Cawaabn. When you
provide a clack r pai"ant, you admrize r olds to
trrracbn Is proc.rsd to you Aecoua or 3) from the APR' on It fiara m lie sutaman. we Ffontmtlm from you duck m nuke • one-crime
Bret celender day of the arrrert airy Additionally,
porial.
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b. If the code P (Prime), l 43yme. LIBORI. C (Certltir.ta of
elxtmme fuel trrrfa fmm Your bank account or to
H you did not pay to
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by the ddy perbdie ,-_u da hw bean
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i,t Special IUe For Crock Card Purchases
Mures dAmmW for yaw amass To got the dWy balance earim to we your accord vedhar having m pry the If you hew a Pis vft ri Why of property a
for each .sprat of yaw aeeaet, we mks the bs?rrip
balree for each rgnat and add any new traraedar
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no" r by calling our Customer Rolmions Depmma
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by 3:00 LLm. Er. Payi me ?te our wad*v m ptemrig owner must be mmived m a Wkams dry by 3:00 pm Pr. P1 slow an IwK Ave (6) buimw days for prul after boad.ry. Paw s ao root imago, prpar rip location W? pancrifeer form your wean t be credited ca
dm ne day we receive them. Or bu inw days am Monday MNWs BKUdaY, oxdudrg
Reply today for your Capital One® Personal Loan
Call 1-800.399-7817 for these great features:
•••i $5,031 Personal Loan to use anyway you choose
•••j Your choice of low monthly payments
No Application Fee
• •• No Prepayment Penalty
•••{ No Annual Fee°
Offer expires: 12128103
201035
EXCLUSIVELY FOR
C9111amd(ke
CARDHOLDERS
Invitation No.: 7230.441051257-21-3
Interested? Call us toll free at 1-800.399-7817 and refer to the Invitation Number above.
C" iftlo w• Dear KATIE BURD, Page 2 of 2
Personal Loans
P.O. Box 85546
Richmond, VA 23285-5546
... $5,031
For anything
you choose
•••j CHOOSE
The loan that's
right for you
••• FREE
Automated Monthly
Payment Option
• , NO
Application Fee
••• NO
• Prepayment Penalty
••• NO
Annual Fee°
As one of our best customers, you have the opportunity to increase
your financial flexibility with a $5,031 Personal Loan from Capital One*
You'll even have your choice of loan terms! Choose a short, 24-month
term with a FIXED 14.9% APR and save on interest. Or choose a
36-month term with a FIXED 16.9% APR and lower monthly payment,
and keep more money for the things you enjoy each month. Plus, when
you use your Personal Loan to consolidate your high-interest gas cards,
department store cards and loan balances, you'll save time and money
by writing just one check each month.
Upon approval, how will you use your Capital One Personal Loan?
? Consolidate debt-make one low payment each month
? Make home improvements or repairs
? Prepare for the unexpected
Choose the loan that works for you!
$5,031 36 moms 16.9% $181.22
$5,031 24 moms 14.9% $246.56
201035
• • • • Simply call 1-800-399-7817
before this offer expires!
Invitation Number: 7230-441051257-21-3
THIS CAPITAL ONEO PERSONAL LOAN ...
••• $5,031 to use any way you choose
•••fi Your choice of low monthly payments
•••y FREE Automated Monthly Payment Option
ate
Salinas!
assaiss
t?
M
MONSOON
OPINION
FEDERAL DISCLOSURE STATEMENT
Capital One, F.S.B. (Capital One)
24-MONTH TERM
14.9% ANNUAL PERCENTAGE RATE: the cost of your
credit as a yeasty rate.
$762.80 FINANCE CHARGE: die dollar amount the credit
will con you.
$5031.00 Amount Finance& the amount of credit provided
to you or on your behalf. .
$5848.80 Total of Payments: the amount you will have paid
after you have made all payments as scheduled.
36-MONTH TERM
16.9% ANNUAL PERC ENT&GE RAZE the cost of your
credit as a yearly rate.
$1370.12 PENANCE CHARGE: the dollar amount the credit
will cost you.
$5031.00 Amount Financed: the amount of credit provided
to you or on your behalf.
$6448.32 Total of Payments: the amount you will have paid
after you have node all payments as scheduled.
Finance Charge. The finance charge is calculated based on monthly days after your loan has been approved.Your First Payment Due Date will
payments being posted to your account on the due date shown on your be approximately 25 days after the Date of Your Loan. Your remaining
periodic statement. payments, are dux on the same day (or the last day) of each following
month until your loan is paid in full.
Prepayment if you pay off your loan early, you will not pay a
prepayment penalty You will not be entitled to a refund of any prepaid
finance charges.
You may refer to the Loan Agreement for any additional information
about nonpayment, default, any required repayment in full before the
scheduled date, and charges.
Payment Schedule. Your payment schedule will be monthly payments
of $246.56 for 24 months or $181.22 for 36 months beginning
approximately 32 days after your loan is approved (see below).
itemized of Amount Financed. The amount financed, $5031.00,
consists of the amount disbursed to you directly or on your behalf.
AThere is no application fee or membership fee associated with this
offer. However, upon approval, a one-time prepaid finance charge of
$59 will be paid in connection with this loan.
Delinquency-Entire Balance Due-Demand Feature. If you don't
make a payment on time, your payment is delinquent. When that
happens, you agree that without giving you any advance notice, and to
the accent permitted by law, we an requite you to pay the remaining
balance of your loan at once.You agree to pay all collection costs that
we may incur, including attorneys' fees equal to 15% of the amount
outstanding.
Late Charge. If any part of a payment is more than seven (7) days late.
you agree that we may charge you a late charge of $29.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR
APPLYING FOR OR OPENING AN ACCOUNT.
To help the government fight the funding of terrorism and money
laundering activities, Federal law requires all financial institutions to
obtain, verify and record information that identifies each person who
opens an account What this means for you: When you apply for or
open an account, we will ask for your name, address, date of birth and
other information that wig allow us to identify you.
LOAN AGREEMENT
CREDITOR-PARTIES. The words 'yon' and'youe mean each of the
Borrowers who signs the cncloscd Loan Invitation.The words 'wc 'us'
and 'our' refer to Capital One, F.S.B. (Capital One), the creditor in this
transaction.
PAYMENT AGREEMENT AND THE TERMS OF REPAYMENT.
To relay your lean, you Jointly and severally agree to pay us the principal
son of $5090 together with interest at a rue of 14.9% or 16.9% (Your
interest Rate). You agree to pry the Total of Payments to us in 24 or 36
equal monthly payments of $5848.80 or $6448.32 each for the loan tern.
The Date ofYmw lam and1bur First Payment Due Date depend on when
INTEREST CALCULATION METHOD. Interest is calculated by the Daily
Simple Interest Method. Tb compute your dally interest, we take the
beginning balance of your ban each day and subtract any payments or
credits applied to your ban This is your daily balance. We then multiply
your daily balance by your daily periodic sate (your annual percentage raze
divided by 365), whtcr gives us your daffy interest. Nett we total your
dally interest for each day of the month covered by your monthly billing
statement to determine your total interest for the statement period
RETURNED CHECK CHARGE. If you pay with a check that is
dishonored or returned, you agree to pry us on demand a charge of $25.
FINAL PAYMENT, LATE CHARGE AND RETURNED CHECK CHARGE.
A loan that has unpaid principal, interest, late fees, returned check charges
or any other fees or charges at die end of the term will not be regarded as
pail in daft'
STATE LAW. Your loan and this Loan Agreement are governed by Federal
law and the laws of Virginia.
This offer is nontransferable and is void to residents of U.S.deperidait
Conditions of offer- I am applying to Capital One, F.S.B. (Capital One),
for this loan. Everything that I have stated on the Loan Invitation is correct
to the best of my knowledge. I understand that I must be 18 years or older
and a U.S. citizen or permanent resident alien to apply.I understand that
this offer is basal on an initial assessment tbat I met Capital One's credit
standards. Capital one maintains the right not to approve my lean if the
information provided on or with my Loan Invitation is incompkw,
Inaccurate or unverifiable, or if i no longer meet Capital One's standards
for creditworthiness, and/or if Capital One receives my Loan Invitation
after the offer has expired. I understand that Capital One will main my
Loan Imitation whether or not it is approved. I understand that Capital
one maintains the right not to open my account if I have a current Capital
One Personal loan or if I have responded to a previous offer from Capital
One Bank, Capital One, F.S.B. or any other Capital One affiliate within the
last 45 days.Capital One is authorized to check my credit and employment
history and to answer questions about Capital One's credit experience
with me. in this paragraph, the words "I" 'roe' and 'my' refer to each
person who signs the Loan Imitation An applicant, if married, may apply
for a separate account.
Capital One is a federally registered service mark. Ali rights reserved.
Capital One supports information privacy protection see our Web
site at www.apiwonc.com.
your loan appnoved.The Date ofYour Loan will be approximately seven (7)
FAIR CREDIT REPORTING ACT NOTICE:
You were selected for this offer based upon the information in your credit report that satisfies Capital One's criteria for creditworthiness.
Gram of this offer, after you respond to it, is conditioned upon your satisfying the creditworthiness criteria used to select you for the offer
and upon your satisfying any applicable critoxia beating on your creditworthiness, including your income, employment, and any other
information provided on your loan Lnvitation.You have the right to prohibit information contained in your credit report from being used In
connection with any credit or insurance transaction that is not initiated by you.You may exert _ this right by contacting the credit
reporting agencies' notLL9cation systems at: EYpetiatt Target Marketing. P.O. Box 919,701 Experian Parkway B2, Mlcn,TX 75013,1888-567-
8688; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123,1.88&567.8688; Trans Union Corporstion,Atm: Marketing Opt Out., P.O. Box
97328, Jackson, MS 3928&7328,186&567.8688.
Automated Monthly Payment Option (if applicable).
Capital One will notify you when your application for a loan with automated monthly payments has been accepted.This notification will specify
the dates when your automated monthly payments will occur. If funds are unavailable at the time we attempt to debit your checking account, you
will be responsible for forwarding a payment to us. If your payment Is not received by the due date, a past-due fee will be charged to your account.
Capita One will not notify you if such funds are unavailable and will not he responsible for any fees, charges or costs incurred in connection
therewith.
2284M if you pay with an automated monthly payment that is dishonored or returned, Capital One reserves the right to assess a $25
'Returned Check Fee:' If an automated monthly payment is returned, Capital One reserves the right to terminate this
authorization and your participation therein. Monthly periodic statements will not be issued to participants In this plan.
You must notify us in writing if any information chutges, regarding your bank account or if you would like to change the account or financial
institution from which your automated monthly payment is debited Please remember to Include a voided check with your letter, If necessary. We
must receive your written notification at least 45 days before the payment due date, or the change may not be implemented until your next
payment due date.
You may discontinue the plan at any time by giving us 45 days' written notice. Please send changes and termination notices to: Capital One, P.O.
Box 85025, Richmond, VA 23285-5025.
Questions and concerns about transactions an also be sent to the above address. In addition, you an contact us via telephone at 1577-8155768,
fAlimor(t ebtld support, separate maintenance income, ctrapplicant's annual income or other income need riot be revealed tfyou do not choose
to bane it comWdened as a basis for repaying Ibis loan.
7f you would like to reply to ibis offer but are not interested in automated montbly payments, simply complete the Lam Invitation but do not
jW out rbeAutomated Monthly Payment Option section.
ABOUT CAPITAL ONE
With more than 45 million accounts and over $73 billion in managed assets, Capital One is recognized as one of the leading financial services
companies in the country. The common stock of Capital One Financial Corporation (COF) is traded on the New York Stock Exchange.
For more information, visit our Web site at www.capitalone.com.
0 2003 Capital One Services, Inc. Capital One is a federally registered service mart All rights reserved.
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Capmalow,
AccountS
Previous Balance $.00
Payments, Credits and Adjustments $.00
Transactions $445.10
Finance Charges $.00
New Balance $445.10
Minimum Amount Due $15.00
Payment Due Date Jammy23, 2004
Total Credit Line $900
Total Available Credit $354.90
Credit Line for Cash $800
Available Credit for Cash $354.90
Atyourservice
To oill Getomer R.W;om or to repot. ke or stolen and
1-800-903-3637
Sadpayw-u o: Sadi4q .to:
Aim: Rautwn Proaasint
Capital One Ser&. Gpital One Servion
P.O. Bos $5347 P.O. Bos 115015
Rid-nd, VA 21276 Richmond, VA Z=5-5015
PLATINUM MASTERCARD ACCOUNT NOV 24 - DEC 23, 2003
5178-0521-3863-4189 Page 1 of 1
Payments Credits and Adjustments
Transactions
1 25 NOV EXXONMOBILI8 09655812 LEMOYNE PA $95.97
2 30 NOV EXXONMOBILI8 09655812 LEMOYNE PA 3.56
3 05 DEC OLDE TOWNE BEVERAGE NEW CUMBERLAN PA 10.84
4 05 DEC WEIST HARDWARE INC NEW CUMBERLND PA 33.17
5 05 DEC EXXONMOBIL18 09655812 LEMOYNE PA 42.18
6 o9 DEC WLPRESERVATIONREWARDS 888-6885995 CT 7.00
7 11 DEC BOSCOV'S #012 CAMP HILL PA 37.10
8 11 DEC BOSCOV'S #012 CAMP HILL PA 34.98
9 11 DEC WETS MARKET #125 SHD CAMP HILL PA 22.13
10 16 DEC HESS 39421 ETTERS PA 35.51
11 17 DEC OLDE TOWNE BEVERAGE NEW CUMBERLAN PA 47.68
12 17 DEC CVS #1630 MEW CUMBERLAN PA 9.99
13 19 DEC WINE & SPIRITS 6708 NEW CUMBERLAN PA 27.85
14 19 DEC GIANT FOOD STORE #2S1S NEW CUMBERLAN PA 37.14
Finance Charges Pkam., L re miej de* important esfama wn
Bd-.* P";.& ?t
N yepfrldr r h dPR liL
g PURCHASES too .61082% 14.90% 1100
CASH 11.00 .040M 14.96% 3.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
C<iplta ow 0000000 0 5178052138634189 23 0445100298070015008
New Balance $445.10
Minimum Amount Due $15.00
Payment Due Due January 23, 2004
Total enclosed $
Account Number. 5178-0521-3863-4199
P&arcpei.hwnYa+?diea? e-mu?e?,`..??u ?.ar?aet
Snece AP. a
City Scare ZIP
Home Phone Altaaam Phone
E.aAdd-
!Q #9035894670697248# MAIL ID NUMBER
KATIE BURD
Capital One Bank
P.O. Box 85147 1198 SHOREHAM RD
Richmond, VA 23276 0 > CAMP HILL PA 17011-6135
InLhJhnLlluJJlullmlludlutllnJLnllntllutl ° ? ItetllLttllltrnullnrllJltttttlLdLtIJJJnLdtLdd
Pleare toriteyo awwd numdf myac,b" or money order rsadepayabk to C#dAl Ow Bank andmadin for em1wedenur1ope.
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PeoooPC is solely mopmoble for this offer, and is net affiliated with CWUd One. Capital One does not provide, ahdaas
or guarantee, and is net affiliated with, any product or service shout here. Any tradernarks mentioned herein are solely
owned by the respective anfib At rots named. By respo ncl g to his ofW,, you may be communicating Wormation
about yourself to the Company that prondes this product - for example, that you are a Capital One customer.
'PeoplePC Once: FrA 3 rrollta are billed at 5497 Par "114 $9.95 per month deserter Offer available to new
deiup subeabers at bast 16 years of age and may nd be redeemed with cry other offer. Oder su *d to change at
any Ma Phone technical support mailable for $1.95 per minute.
tAwderator a has ter 12 ffa*m offer good for imta none. After the lrei 12 moniha, the Accelerated service will
adomatwity revert to the standard PwplePC ovine serms. Offs subject to charge at anytime. With PeoplePC Online
Accelerated, conalnWbpap lead andgraPNcswill load faster when compared! to standard dol-rip Internet reanke.
Actual malts may very. PwoePC Online Accelerated is only cmpanYle with PeoplePC Online IMernets wire and
specified Wedows0 browsers. Peopld'C Online Axderated'a not compatible with Wardowa0 95 with IE 5.5 SM.
Service net maiable in all arm Access tees, taxes, and other fees and nelddiau may apply. Telephone td charges
may apply, even during Idal periods. You am mspornable for determining wMlhera cat to one of our access members will
result kh takphata to charges Access may be limited, especially brkg tines of peak wage. DW-up runbers may be
dtanged at PeoplePC's discretion. Conhwcua uastihlect to timeout plmeduea Al wee subject to PeopkPC Onine§
Services Agreement and Acceptable Lisa Porgy. 56K is the maximum speed of service actual speed may vary
0 stns PecplaPC Inc At Rights )testa. PeoplePC omtme and ft logos am trafamsdrs of Peop1eK in the U.S.
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0 200.5 Captal One Services, loc. Capital One is a federally registered slice mak. At rights reserved.
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mrnba of dap ti 1M kaa'ug peniodNdMe ?w• u the
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APR' sd the fium t iNs UB w.
h. If the rode P primal, l (3-mo. no. l)BOPo, C IChe ode of
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on it. su sal Indices, as foul in Tin Wd 3)ner
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new hero that occur dying my billing pedal. Under the
ter• of yes arana.r ws rowno tae rigor m
wales re rot to areas any 11- wAt.x pd.
notillutlan m
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apprro m 7th /moult of 1Ns snatarrp, you hoe 30
dap film the dm Wa statanat was mated m , m
avoid pmvkg to fee or to how such fee credited to you
if you caned you aeeeutl. During tic period, you may
cmtkese to use your .hmet W M A having to pay the
membernio in. To formal our aeoamt. v ou must
malorip des) poor to tar end Of the minly-day pond.
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amen aecer, drake, renhoel r preadlyd:ed Wig,
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I you auslhdad a pudraetfian • merdrtt ahd we
your
a-vur tr uaraedth from dos mount v .fur me
Was has been ndoeW, yabe adder
one reepsr nt,
one anouur of the elrrpa MN he .drisd to m yens aocau
: yyowu vi?i? be mpa "' for paymeno. If doe Is
a
rrranEanNip tee for your amour, duo fee .0 cardna
m be drrdW, dater aches penNtud =,=
noe her =1 aN In eA 7. tlig You A...-L cad Ce arcmad cannot be
used In CorshsCtorh w th any. Internet grrbtrp
imrraobuo.
B. prosid Ath Fk - pro Centric you u eshoeu r. Whon -k you
prorfda . th s - u amrr
i -*n r
us m
oak 11Aerh horn YMAr yar I you m make make c -4-
Work fwd ttarfa fret t your hsrhk eanhrt a m
P *.- dos payerrw re a draft transaction, Wlre was
wrxrrric
w Mlyden nets ymr trek to make an
lord tumNr, funds maV be vdddrawn from your be,&
acmuw a ssm as the aema day we receive
yar
Panamint, and you wY not raceiw Wu dock back from
BIWNO RIGHTS SUMMARY
On case Of rymre Or 0-adar About Your BM
I1 yes
ri
d". you ==. esd lawnatarh m• bbl, vrriu m u m s
separate afoot r soon r possible at the adds fa
khparies sfowm m to fired of thk suterlro. We nwrt
Iran from you no fears than 00 dayw afar v a saw You the
than M on 7Mic h to error or prabMw WIP:or . You Lin
call our Customer Ralston Member, but dokg r vW rot
prha•arve your rights. In yes letror, ow u iM 6d-*V
Y your name and Account nsnrka, tr drat
error
amaut of dos muWeeed as or, a does Oda of to
and an nplurden, H peak", err you behave terra u
an err or If you teed More h a tlrcriptlm t
the ham you am rarr abut. You do not how to pay shy
amemo In Mdi• via s h, bu You
am sell m pay tle porn t you dW are rot
lo prawn, via Invest War q n
or aZ1::1=
i,t Special ikse Fes Credit Card Purdhrrms
If you how a prohlern vrib the qurty of property or
aerNea. that you wlUh a credit card and you
law trier in fiiw to Carte Ct the pmbmm Wth the
merdrm, y'au may have Uo right not to pay to romairft
amtaw due m the r yr or services. You how this
by .dWe pIp was rote man
a?60. ? to pudhar was made h Yta hone sbte or
Cap one paymao a teas Pose r of rot day Vast ere oaoeatea
httin 100 mlr t your mailkg addomL (if we soh or
aim ?,ptmpifant? " mailed a ink N pndwos
am covered regards W amore or bcaton of Purchase.)
Flrr remaobu to sign at oarespo darrm
t Doer, -1 aA* to conmunor ton<radV card acmaots
3 Dora nor apply to buworra ix.,-, alt card ocotorts
Ch>aul Om apWru Mantatm Privacy PfcwcftL w out
s at wow. coo.
Capitei Ore M a lodernally service mark of Capital
W ei Conp m*m rights moerv.4 a 22l 3
to tot r)Fnat This grew u dos •aparsm daily bsfaoe
for aadh asOnhelt of you roan. Ilovrevsr, R you err
N.w Balrhr rhovm m ye.. pevlae artmaw to ter
if yea' IoW balance Was rem or a clad` amount), MmV
tre eactiore vi" pest to your purchase a special
Ohrdhase Witnesses sdNroyt added m do dry bWnrs We aor
belahos• tapetlr ad dN - h t s number of
it. d.W 1. bar current big cyder. To osltasm yar mot
mac?!ethrtar, Wu meraga da%bYrre by the
and
V. In ths, d•t
ock WarPt. unr m rafte MY do mandw muhdinug an. daily, of billing
OW bommort #6 calculation
cfirmrdsa irhd Vas amour of
b. H 7th Dods Z t N appsw m tlr from of this natemem
rtu'Balro fbr AppMd To; ire mdtlpitr the
,Idv Irlrh,r M arras aa,ar,alr Iw was h,wtNv
40263M
l ntOBM?'. Ya0 ?q yalatp sYW1?eprme A ?? ytlf a gdf?d? ?roeeiw t, Pmtfdedaddleard le dlln tAl?aa t Qeel?a fpmeaaaklg eelwa IIMt?be roeaYW m a blaiMea day
ff nest o?w apOwM Pa?PSr dp,Wemththaah PmPankg Yaa f YrrM yNyOY stead r-ris i dwdtWWUwmAhoixa n?ia yoinaq atnstms dictrortranrlsdatlt•f
tank aCCtlw fir the amenn of to efeek. THs adgedx/tm a/pBee t0 at Cfeeka roeeiwd ?diur?ilqq to Ililg CWIe Owll H call by edlete eiM. N yhw Cadet Pf000as ile traofar, ytl
autldrizs w m make • tdrgs apakt•t you bath ameuw wig 1M check • paper drat a o0erltan.
CAPITAL Purchase CHECK
KATIE BURD 10432
119E SHOREHAM RD 68-677/510
CAMP HILL PA 17o11-6115 pate 575200-01
CheckMireshfatchgr, moo 04879
Pay to the order of
Dollars
CaV1 10 Richmond, VA
Memo
Cardholder
Signature
Ha 1043 tun 6:0 5 1006 7 481:865 2 138634 i89u¦
CaprtalOo PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
DEC 24, 2003 -JAN 23, 2004
Page 1 of 2
Acornmt Summary Payments, Credits and Adjustments
Previous Balance $445.10 1 19 JAN PAYMENT RECEIVED - THANKYOU $50.00-
Payme? Credits and Adjustments $50.00
Transactions $330.00 Transecdons
F'manee Charges $959
2 25 DEC SPIRIT A MIRAMAR FL $156.50
New Balance $734.69 TICKET*148774763604976 DEPARTING-02-26-2004
Minimum Amount Due $22.00 3 25 DEC TRAVELOCITY COM 18002569089 TX 10.00
Payment Due Date February 23, 2004 4 25 DEC SPIRIT A MIRAMAR FL 156.50
TICKETI.48774763604965 DEPARTING:02-26-2004
Total Cre" Line am 5 09 JAN WLI`RESERVATIONREWARDS 888-6885995 CT 7.00
Total Avail" Credit 1313
Credit Lim for Cash $800
Available Credit for Cash $65.31
Atyourae7vice
To an Cwta Rehticm or to rcpott a Iat ar stolen nrdr
1-800-903-3637
Send Papamu to Send ioquitie for
Attar Ranitnnoe P-ming
G¢td One S_;.. C.Phd Oae Swim
P.O. Bar 85147 P.O. Boa 85075
Richmond, VA 23276 Richmond, VA 23265-5015
Finance Charges XweseereumerfdrJ6rrnportmasajownd ion
f Rd-rl* Perielr r
¢fFrlh role R l:tiAK
N PURCHASES 875759 .04062% 14.90% $9.59
CASH $A0 .04062% 14.90% 8.00
ANNUAL PERCENTAGE RATE applied this period 14.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
:ap CW 0000000 0 5178052138634189 23 0734690050000022004
New Balance $734.69
Minimum Amount Due $22.00
Payment D- Date Febnury 23, 2004
Total enclosed $
Account Number 5178-0521-3863-4189
#9002494670697246# MAIL ID NUMBER
Capital One Bank KATIE BURD
P.O. Box 85147 1198 SHOREHAM RD
w nnrun a
Richmond, VA 23276 N CAMP HILL PA 17011-6135
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Pkwe wdeyew acmant namberm yo dusk w moray order made fayab/e to C#dsl Ow B=1 m d mail in the eu7ored en%r14e
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? intern . refill I - Veto desk The attached tMok Wit be tooted m a Purchase aecerdnq to the team of y.r Customer Ag ea ord, and xW am4rol ease to N. Hotwwr,
N may rot putty tar arhyr ssvwrdo poROms. The studied I 1 b wb}ef to cmdt awl mhv, pro you must hew the swat" Credit m for day Capital Oro Processes you drek.
rt r
Credit soa"oes, is also mb)eet to iM prime wasp. of Wu Account, and to dheek may not be Droeaseed It Vag aceoud N ..Saud in wry very, =4
time it Is pooerwd H tlr cssdt Is tawmWe a blur Aeeant is not aaonf as tested, Vac drek rq M roNmrd upaW and Vet maY be assessed rek 1, Thls tleek
earvhpt be used to Pay dove «pay tell CapNal Om Ahreue. Cadit eta dret ni qu.liy r tafrq your Acceuen. O 2003 captaf an SeMaw, from Capes One b ¦ federally
tepbtened warNoe mark Ali daaw
1. How To Avoid A Fkwre O-W.
to. 4w pryeas vrll how a mir men grace period of
25 days vullfhotR f-. dwps m rout pmdrwae, new
balance 11fleTars, row apodte pudreea wd rout 00-
d-g. oce ce
the Madco for paymntds below,
eel h tins for it to be asked by you rear' teeaoent
?pedd va?a in ed dtl 4 0- M Palm
e rut trrasdah It you do nor pay the total 'New
balance. .
b. Aeembq Fkseo C hsrye. Trarecdore vdedh are rem
Mom fir dace of?gr toneacdeban fir dtlr11 3.
tM
trrrwatle is Processed to Wu Aaaant or 3) from
pmt calendar dry of the arum bihy period. AddtlmrlY, b.
It you des not put *r 'Nm Solana bun Cr pmdam
bW* yotr up posted In Ad, firoevoo dense, cordlom m, scertse to
I belarci vtdl dr upafd 6alrrs Is paid in N.
Tras means that you may tei ors Ae
Nwv Balms kdea
You PayI-E
not doweo ors aphid
t a Mkiram Veto total RIMd 40. v
ps
tool bhsnhes dwas reatbkr town the
td
2. A'
a.
M to from of
kwon
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pad NytaMr
of
diet
Mlt. vA M
pe to rate. To obtain the swap dally balance for the
N6 Period covered by die teatMtlmrt, vm take to
bepinrnq balance of each am wed tech day, add any new
trreacfar to each hssprwe, and te4nraet any
a cmdhs. (N tM code N appears on the gam o Ohlo
sutemem no= to 'BYaoe, Rate Amped To,' We aim
ahbum arty updd llr.nce dirge-ImAided in fie balance
of wadi meow`) TN. fives us to daily balrce of each
solim „' -a pUP all m aI'Wab.y?tafor -h for ...b. of deal h dM NWhp padod TFibEwa u ti.
swags daily bdmnoe of ward apnea.
real ?areaepm Refs fAFR4
The term 'A-N P•ICareage Rete' may pp r tl
APR' m fir irore ,,No real
If *r code P Film), L (3-mo. L)BON, C ICerdfir+te of
DepesiU, a S (Bard-d Phna) appears on fir front of
tee etatarrhsop root to fir Palladio =*W, fir Periodic
Fars am caramoahdnp ANNUAL PFACBRAOE RATPS
may very pW rtedy may ircroasa o; do- based
m *r stated kaices, tl tarsi h The . Straw
-
if yorr aewnt ff k has already been domed For example,
u sedW d a pudrae from a nrrdwe and vo
.cent Ws trwaedmt from d* nrrdwd after Your
som" M bee closed, you axaae vril be leopard.
fie emotsx of dr Cheep vdl be added to ymr aarue,
wW yyoouu v i be roapweble for payment. If drro is e
rnhembertedp fee f« your aaotex, " fee wil confirm
to be drroad, m dr ease po mkod by low, umY dr
acwrr WLcs Ice been Paid h hY as dented chow.
7. o==X=,d account teem be
teemh« prMhq
S. Neale Ah.t EI.Wmdo Chrk Llenvsoabn. Woe You
povids • dock tl Papnem, you asirte to either to
- hlormadon from you tlrek to make ¦ ortstkv.
elsdrorde futd trwfer from you bw* acceue or to
Wousr the imr s • I I tra-dn. When vre
use, hf matlnr from You chock to make soh oledrordc
haul hearten, padda may be vN*tdrswn from Your butt
aarue as see tl the same day vss receive you
paymae, am you .V11 roe ssoeiw Vac dheek bode ft.
Jaen. Pti 1110 Fear Y ?? to you
?rgee vri ba w m *r float day of Y'w+
TMs d Ywr Peru. rewruwtw?
gihp p by yar Pedode teaemad erdrhp
edod _= BIWNO RIGHTS SUMMARY
h the moor lamely, Aprl 1? and Octebar.
a (h Case Of Errors Of OusWar About Your Bhp
. LfBOIq or O (3-nr.
C. If *r coda D prima), F ( mac
Ii you thkdc you 6N ls wrahp, or If you rhsm
LIBOR Repriced kladNyl appsew a ft front of yet
mtatanwe next te *W Periodic reap) 1M PedI news
*
Z u
khfomhadon m • trarrecllm a bill. vrdlo to e e
arpeo» stunt tl stem tl Pse a tM addros for
AATIB may
sm ANNUAL PEFM
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w
h. Wi# Street Jo a s& pits ptte 6i mm v.HM"error ce pra6lsm appserod. y
con
posy Reireeiee h Flrunea atarps• We .wave the
ho tot eaasr any or r hrce dwpse fa sort own 1M msroFh prevl(ta*y drbmed m you. Tow dusgas
? m the fuel day of yar hibp Parbd cell ere Qrtamar Ralatlw nrerber, bus ddrq r h.7 net
pprrseaarve wx does. In Vote Wear, piw u the idbtWhp
ote rums sort aoc.nt nobs
tM dollar
frdamitiore
psobd
lo Daly lYsoee I.... New Malhwel.
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ll 0. Aweserst of LsOa, OwiNt eW Reksrrd Pgwrm Fese.
m thm two of fM has
m
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bdbve fMm to
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once choW ls gradated by rmfdpy
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ce M each aa(prrsoe at Voter account (step., Cash oa occoun
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at
o
listed here doer ocota duhp my b1Mq paled. Undo the p
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p
m ormc, or N Vet need mom deacAptlen of
==-
mm m, Pudrse, pedal trwM, and pall Pu ham) tame W You ateana agreement, Peet reserve the dad to to Can yet am urge abed. you do not how to pay arty
*ha dept' --d- r .W that has been
w
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sort m anew y teas vd*wx prior nodpr?tim
vvalw or an
w.I*
Pete dad to eraser 1M same or similar
seam In prWan v&U vre ere hrvMpetho o, but you
asstell oblpebd to Peal the Pero of yw_ 6M flat em rot
s en
o
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m you.
t
eac
ay
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biq xe poly the diy psbdn roe for eedh v
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m a Ir1a Ws. h pwdah.lylife eta h?es?m yar q.Wm we coma
wll
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pre your aowre to th.dalV bYrce of warp
pre. Then at to sod of the hihp Pala, ws add up 6. Yau Asset If a nhanhsddp fas
eppasrs on the ford of thb wtemere, you how 30 eet t
noel you tl dekhpem or co
e any act
m to
emamt You gsetfan.
rswbs of tlrse daly dwdetiwr to arrive at Votir
dd t
the
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b
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avoid
to tr or to how wdh fss Ctsdsd m):
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Seem dwpa for Vot? aecme t. To list the M balarhPe ewdktr to use Vote atrwsx vnltiuou hsWq to PW *ro If you have a proMsn valtA to quality of prperty or
for .h "p.m of Yen errant, we tab fir bepkvdrp nssntWetdp tea To urcd your a;=: You mM
ose
vxlh a cssAt cord sod Yw
eerMus thst you
balmoe for each aaphwr rd add ranuthy rhely trsowdsoha notity w by calling teas Custaeat FlNOtlorr aParowx
' hew triad in Lido to hmnset *. pra61 ern 41h the
:y' rutpa1pde pure cl. celalaUd on the wo ft.
a
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bal
b *
[ am Pay yid Nsw B+I wcs
In AM 1slrArdrq the
br m tM and of the NmrMo period
meMersp Ns) matdhmL Yoh may have *. don not to pay *. snaking
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m tlrt rprwt Tlda owe u eM maPaaa daily
bdece
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Hovrever
If you
for each ss
rhsom of
ou aucutes
Yyoouu ahxwrht by c+Nq err Ustaner Ralo*os
Vs must destroy yew credit urdlsi em
rmhera
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.00 rd *r gxrJtsse eta ads h Vet hwne arts a
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acsuxo wooer dv cka, -cal all pretalr*zed bklkq, oesa
vss teeth or
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opaats the merdwo
or If we mWd you fir
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t to
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cial am cease s4hp Veto ecwae. If You da nor cnhcel
we v.& welder
maWrdzod H4
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advanlsenwd for the poParty a T=, purcMrs
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pu l- aepns*e ass not added to to duly bafarhcee. We
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receipt of a dsrge you a dhodzaOsoh to reopen yore
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Raar ssnrharrtber to sign W wrepordsohu.
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am
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tM days h the aNmW bfptq cycle. To celu :.
=
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fl,,- drrq, rMpy yen avsrape daily boleros by I doe teas, owdNdt teas. sstueed Payment Nea, eM
%4* Y Does not sooty to bskrea man-eiaR autl accana
dmlY s em by tM ember of dart h the loin'
ge to rstaMtq m s dMy btlls, tMa may bee
aped wdaros bstrpen Oda uh/atlorh sod the anhoure of advance Casa sod s
ny dMr teas rrsaed m y.x
aown. rota an repdhsble for
dhwr amours ufr*er
they appear m Moto aeeam at tM *me You request to
?? atppona krlornru*arh Privacy pratectbn: sea teas
Mane dw? a pl q pro to to. had
cede Z a N N appears to d of No aetanent
b
If
the
close the eeeeum a they am kwvened s besgtwrt to
you rspoesl m dos tM aaaxn. Thb maY ssedt In rt vvvrw. Pen.
rsds(?red seMu made of Capitol
is •
CepN
a
aly
.
a
t
rove lo'Balres Rate aso vm bet -d V *hs
averaPe ttsly balsrhos of eah sesha W van msoldv drops appeaMq m your aceean spar you Mw
re.eso+d rich aaam m M deed a tM reoosim of R wK
ll
NI Aos reeervsd.
2003
One linrrcl CaPa
'.P" One Ot LGLBAK
2411M
bpwtrd Ns*ae: You paywrt vM ba coedited m accaatt r of tM date vss recdw N, provided you sarhd tM hotreFn Pw*m of this statarrhwn solid Vac dhsck h tM arhclosed
rsdpwcs envMpw, am yar ppaayrnsm b orfved In err psswaminp war by 3 p m. P?Wwde ad6swed m w V1npiYS of OsMs PocaWhg osoda mw M odvW m a bualrrw day
by 3:00 Rm. kT. P?ymhehb alkewed te teas Waoldrglm ProcpaYhp tatter must b Halved on s buairrw dwy by 3:00 p.m. PT. PMsr slow rt leas pet 16) 6tnk.w doW 1w Poaul
deivaY• P+Wwde reoalved M u rt art atNw bcatbm a in sr*rr fmm may opt be aMad tM 4wn4 dW 1w Nodw *rnr. Qx b.Yrw dart as MaWY *hloWh 8eladoY. mrdutln9
hddaya Plstla da not two etsM ppa 4os, elate vdhwt ppetYq you WYnwd Wltm y*wuksehoe u s drekW. you .Nrdxe use 1o mob s onrlkm sisc[raiC varAw dsbN tom you
.?mMnaizs?w m ?k. ?d?oT? ?Th?ls axwtt?udrhp?dhmaCk + P?TeF?wo*ualte n.?q ? even n wad by smear alas. if ass umot Pnosse *r varbr, yet
4
201068
Enjoygreater (flexibq W with the attached Capital Purchase Checks!
Purchase Checks* make every purchase more convenient ?t
with easy account access and no transaction fee.`
Plus - EE
• Make purchases where credit cards are not accepted • Pay off higher-interest-rate balances directly
• Access your account anytime, anywhere a Use just like personal checks
No matter how you use them, you're sure to enjoy the added convenience Capiftl o W
of Purchase Checks. But, hurry - they expire March 31, 2004. Use yours today! '"hats` M your waR•t?-
' Important Information reprdinsyew chedu: The attached checks will be treated as purchases according to the terms of your Customer Agreement and any amendments to it but may
not qualify for any reward programs. Tha attached checks am subtract to credit ara8abi8ty, w you must have the avdlebta credit on the day Capital One PmcassesY•or dark Check
acceptance Is also subject to the current status of your Account, and the check may not be processed ff your Account Is restricted in any way, past due or In collections at the time It Is
processed, If the credit is unavailable or your Account is not current, as stated, your check will be returned unpaid and you may be assessed a returned duck fee. These checks cannot
be used to pay down "pay oiforry Capital One Account Cashing these checks will qualify as using your Account. AN other Account terms and conditions remain in full force and effect.
® 2004 Capital One Services. inc. Capital One Is a fedemlh• registered service mark All rights reserved.
10429
Pagc 2 of 2
68-6771510
zo1o68
04400
$ 600.00
Cix hundred and 00/100 Dollars
CapitaloW Richmond, VA
Memo
Cardholder
signature
gmi0429gm 1:05i00677a1:a652ir3a634i891I¦
KATIE BURD CAPITAL PURCHASE CHECK 10430
1198 SHOREHAM RD Date 68-677/510
468
CAMP HILL PA 17011-6135 204
Tres March 31, 3004 o4goo
Pay to the ordero/ V 0 $ C?
Dollars
CapludOn ' Richmond, VA
f
N Memo
Cardholder
Signature
g•i0430g• 1:05i00677al:8652i3a634ia9ga
CAPITAL PURCHASE CHECK
10431
68-677/51o
201068
04400
$
Dollars
CapLit (D Richmond, VA
Memo
Cardholder
Signature
11¦1043ig• 1:05L0067781:8652i3863LI189u•
KATIE BURD CAPITAL PURCHASE CHECK
1198 SHOREHAM RD Date
CAMP HILL PA 17011-6135
KATIE BURD
1198 SHOREHAM RD Dote
CAMP HILL PA i7ou-613c
Important Information
s Equal Credit Opportunity Act
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants:
• on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacityto
enter into a binding contract);
• because all or part of the applicant's income is derived from any public assistance program; or
• because the applicant has in good faith exercised any right under the Consumer Credit Protection Act
The federal agency that administers compliance with the law concerning this creditor is:
The Federal Reserve Bank of Richmond
701 East Byrd Street
Richmond, Virginia 23219
You have the option of declining this change to your account and paying off your outstanding balances at your current rates
and terms. To decline these changes, you must stop using your card before March 1, 2005. If you use your card on or
after March 1, 2005, it will be considered acceptance of these new account terms and will make them effective within
three Billing Periods following the Billing Period during which the transaction occurred. In addition, you must also
complete the attached coupon, including your account number, name and signature, and we must receive it no later than
February 15, 2005, or the new terms will take effect.
Unless otherwise notified, all other terms remain in full force and effect
If you would like a statement of specific reasons why your account terms have changed, please write to us or call at: Capital
One, P.O. Box 85015, Richmond, VA 23285-5015; 1-800-955-7070 within 60 days of receiving this notice. We will provide
you with a statement of reasons within 30 days of receiving your request.
A 2005 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved.
2411M
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• for the first 12 mosmdiel-a 106p value
a 97
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• a moph for
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Mention Offer Code: PEARL
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CapitalCW
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PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
Account Summary Payments, Credits and Adjustments
JAN 24 - FEB 23, 2004
Page 1 of 2
Previons Balance $734.69 1 23 FEB PAYMENT RECEIVED - THANK YOU $734.69-
Credits and Adjustments $734.69
Transactions $7.00 Transactions
Finance Charge" $9.05
2 09 FEB WLI'RESERVATIONREWARDS 888-6885995 CT $7.00
New Balance $16.05
Minimum Amount Due $15.00 "Important Notice" You were mailed an Important Notice Of A Change In Tams in your
Payment Due Dam March 23, 2004 February 2004 statement or were sent one in a letter from Capital One in February. If you have any
questions, please call the customer service number on the back of your card.
Total Credit Line $800
Total Available Credit $783.95
Credit Line for Cash $800
Available Credit for Cash $783.95
Atyourset-Ace
To cam Omtomer Reler or to report a lwt or stolen
cud:
1-800-903-3637
Send payments to: Send inquidea to:
Arm: Rwdn*nm Proaming
Capital One S-1- Capita One Seriiora
P.O.11 : $5147 P.O. Boa 85015
Ria-4 VA 23276 Ridmo,, VA 23285-5015
Important Account Information
This February Capital One is in the movies! Watch Ebert &
Roeper to we their top movie picks and visit
EberhandRoeper.ty to we how you can get involved and lean
more about Roger Ebert's 6th Annual Overlooked Film
Festival.
FnanceCharges Pkaurorreoerrej**impdantinfornm' trop
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w PURCHASES 871550 .04082% 14.90K $9.05
CASH S.00 .04081% 14.90% S.00
ANNUAL PERCENTAGE RATE applied this period 14.90'%
T PLEASE RETURN PORTION BELOW WITH PAYMENT. T
C--Piftillo 0000000 0 5178052138634189 23 0016050734690015001
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New Balance $16.05
Minimum Amount Due $15.00 sure Apc #
Payment Due Dam Much 23, 2004
City 5>te ZIP
Total enclosed f 1 :1 Home Ph- Alwr Phone
Account Number. 5178-0521-3863-4189 0
P.e1Add(-
#9005594670697240# MAIL ID NUMBER
Capital One Bank .? KATIE BURR
P.O. Box 85147 111m11m1a w 11m1 1198 SHOREHAM RD
N
Richmond, VA 23276 N CAMP HILL PA 17011-6135
Pkare uweyonamwa navaberom you dxrh or mosey order madepayabkro Capital OmBmr.F and mail in ihemclaedenwJ#e.
peoplepcm online
N-11 A better way to Intemet.
KATIE BURD
1198 SHOREHAM RD
U%WIMITED
INTERNET ACCESS
SIGN UP TODAY!
1-88wale 9669
Mention Offer Code: PEARL
Or visit www.peoplepc.com/go/pearl
s. Draw Pried. You wall how -a mkirom grace pedW of
25, days widest[ Meree tNI0 on new purchases, new
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or guaronlee, and is not affiliated witlr, any product or swims shown bas Any tradernerlm Mentioned heroin are solely
arced by the roapediw oft. AN d" reserved. By responding to to offer, you may be cannutatktg wormtllon
about yourself to Ofe company Isa provides this product - for example, fort you are a Capital One customer.
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0 2006 Capital One Sachs, inc. Capital One Is a fadaroly registered twice dark All rights rowed.
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Reply today for your Capital One' Personal Loan
Call 1-800-996-7755 for these great features:
••• $5,031 Personal Loan to use any way you choose
•••f Your choice of low, fixed monthly payments
• , No Application Fee
• • No Prepayment Penalty
••• No Annual Fee°
offer expires: 03128104
Invitation No.:
EXCLUSIVELY F01
??CW
CARDHOLDERS
Interested? Call us toll free at i-Soo-996-7755
CApitalC 1,e•
Personal Loan
P.O. Box 85546
Richmond, VA 23285-5546
... $5,031
For anything
you choose
• • CHOOSE
The loan that's
right for you
-•• FREE
Automated Monthly
Payment Option
• NO
• Application Fee
and refer to the Invitation Number above.
Page 2 of 2
Dear KATIE BURD,
As one of our best customers, you have the opportunity to increase
your financial flexibility with a $5,031 Personal Loan from Capital One'
You'll even have your choice of loan terms! Choose a short, 12-month
term with a FIXED 14.9% APR and save on interest. Or choose a
24-month term with a FIXED 16.9% APR and lower monthly payment,
and keep more money for the things you enjoy each month. Plus, when
you use your Personal Loan to consolidate your high-interest gas cards,
department store cards and loan balances, you'll save time and money
by writing just one check each month.
Upon approval, how will you use your Capital One Personal Loan?
? Consolidate debt-make one low payment each month
? Make home improvements or repairs
? Prepare for the unexpected
•••;r N 0 Choose the loan that works for you!
Prepayment Penalty
•• v NO $5,031 24 mounts 16.9°k $251.42
Annual Fee°
$5,031 12 moms 14.9% $459.17
201078
• •' Simply call 1-800-996-7755
before this offer expires!
Invitation Number: 7231-147707483-13-5
THis CAPITAL ONE• PERSONAL LOAN ...
••• $5,031 to use any way you choose
••• Your choice of low monthly payments
•••;:F FREE Automated Monthly Payment Option
201079
FEDERAL DISCLOSURE STATEMENT
Capital One, F.S.B. (Capital One)
SOMEONE
10000010
SOMEONE
SOMEONE
10000015
VNEWEEN
SOMEONE
isssssss
WENOWEE
00100000
!!Z
10000000
10000100
0000001
100010001
MONOMER
S
12-MONTH TERM
14.9% ANNUAL. PERCENTAGE RATE: the cost of your
credit as a yearly rate.
$474.20 FINANCE CHARGE the dollar amount the credit
will cost you.
$5031.00 Amount Financed: the amount of credit provided
to you or on your behalf.
$5446.20 Total of Payments, the amount you will have paid
after you have made all payments as scheduled.
Finance Charge. The finance charge is calculated based on monthly
payments being posted to your account on the due date shown on your
periodic statement.
Prepayment If you pay off your loan early, you will not pay a
prepayment p enaity.You will not be entitled to a refund of any prepaid
finance charges.
You may refer to the Loan Agreement for any additional information
about nonpayment, default, any required repayment in full before the
scheduled date and charges.
Payment Schedule. Your payment schedule will be monthly payments
of $459.17 for 12 months or $251.42 for 24 months beginning
approximately 32 days after your loan is approved (see below).
Itemization of Amount Financed The amount financed, $5031.00,
consists of the amount disbursed to you directly or on your behalf.
Mere is no application fee or membership fee associated with this
offer However, upon approval, a one-tdme prepaid finance charge of
$59 will be paid in connection with this loan.
Delinquency-Entire Balance Due-Demand Feature. If you don't
make a payment on time, your payment Is delinquent. When that
happens, you agree that without giving you any advance notice, and to
the extent permitted by law, we can require you to pay the mttaming
balance of your loan at once.You agree to pay all collection costs that
we may incur, including attorneys' fees equal to 15% of the amount
outstanding.
Late Charge. If any par of a payment is more thanseven (7) days late,
you agree that we may charge you a late charge of $29.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR
APPLYING FOR OR OPENING AN ACCOUNT.
To help the government fight the funding of terrorism and money
laundering activities, federal law requires all financial institutions to
obtain, verify and record information that identifies each person who
opens an amount. What this means for you: When you apply for or
open an account, we will ask for your name, address, chte of birth and
other information that will allow us to identify you-
LOAN AGREEMENT
CREDITOR--PARTIES. The words 'you' and "your" mean each of the
Borrowers who signs the enclosed Loan Inviration.The words "we, "us'
and "our" refer to Capital One, F.S.B. (Capital One), the creditor in this
transaction.
PAYMENT AGREEMENT AND THE TERMS OF REPAYMENT.
To repay your loan, you Jointly and severally agree to pay us the principal
stun of $5090 together with interest at a rate of 14.9% or 16.9% (Yost
Interest RzWo. You agree to pay the Thtal of Payments to us in 12 or 24
equal monthly payments of $5446.20 or $5964.00 each for the loan term.
The Date ofYour loan andYour First Payment Due Date depend on when
your loan is approved 1lic Date ofYour loan will be approximately seven
C7) days after your loan has been appcoved.Your First Payment Due Date
will be approximately 25 days after the Dar of Your Loan.Your remaining
payments are due on the same day (or the last day) of each following
month wail your ban is paid in full.
1WI'ERFST CALCULATION METHOD. Interest k calculated by the Daily
Simple Interest Medxxl. To compute your daily interest, we take the
beginning balance of your ban each day and subtract any payments or
credits applied to your ban. This is your daily balance. We then multiply
your daily balance by your daily periodic rate ()our annual penxntage rate
divided by 365), which gives us your daily interest. Nett we total your
daily interest for each day of the month covered by your monthly billing
statement to determine your total interest for the statement period
RETURNED CHECK CHARGE. If you pay with a check that is
2621 M dishonored or returned, you agree to pay us on demand a charge of $25.
ABOUT CAPITAL ONE
With more than 46 million accounts and over $79 billion in managed assets, Capital One is recognized as one of the leading financial services
companies in the country. The common stock of Capital One Financial Corporation (COF) is traded on the New York Stock Exchange.
For more information, visit our Web site at www.capitalonexom.
24-MONTH TERM
16.9% ANNUAL PERCENTAGE RATE the cost of your
credit as a yearly rate.
$992.00 FINANCE CHARGE the dollar amount the credit
will cost you.
$5031.00 Amount Financeth the amount of credit provided
to you or on your behalf.
$5964-00 Total of Payments: the amount you will have paid
after you have made all payments as scheduled.
FINAL PAYMENT, IATE CHARGE AND RETURNED CHECK CHARGE
A loan that has unpaid pHncipal, intetest,late fees,remmed check charges
or any other fees or charges at the end of the term will not be regarded as
"paid In full'
STATE LAW. Your loan and this Loan Agreement are governed by federal
law and the laws of Virginia.
This offer is nontrandaable and is void to residents of U.S.Acpendent
arras. $20,000 minimum household income required
Conditions of Offer. I am applying to Capital One, ES.B. (Capital One),
for this loan. Everything that I have stated on the Loan Invitation is correct
to the best of my knowledge. I understand that I must be 18 years or older
and a U.S. citizen or permanent resident alien to apply. I understand that
this offer is based on an initial assessment that I met Capital One's credit
standards. Capital One maintains the right not to approve my loan if the
information provided on or with my loan Invitation is incomplete,
Inaccurate or unverifiable, or if I no longer meet Capital One's standards
for creditworthiness, and/or if Capital One receives my loan Invitation
after the offer her expired. I understand that Capital One will retain my
loan Invitation whether or not it Is approved. I understand that Capital
One maintains the right not to open my account if I have a current Capital
One Personal Loan or if I have responded to a previous offs from Capital
One Bank, Capital One, F.S.B. or any other Capital One affiliate within the
last 45 days. Capital One is authorized to check my credit and employment
history and to answer questions about Capital One's credit experience
with me. In this paragraph, the words "I; "rue" and "my" refer to each
person who signs the Loan Invitation. An applicant, if married, may apply
for a separate account
Capital One Is a federally registered service mark. AE rights reserved.
Capital One supports information privacy protection: See our Web site
at www.capitalone.com.
Automated Monthly Payment Option (if applicable).
Capital One will notify you when your application for a loan with
automated monthly payments has been accepted.This notification will
specify the dates when your automated monthly payments will occur.
If funds arc unavailable at the time we attempt to debit your checking
account, you will be responsible for forwarding a payment to us. If
your payment is not received by the due date, a past-due fee win be
charged to your account. Capital One will not notify you if such funds
are unavailable and will not be responsible for any fees, charges or
costs incurred in connection therewith. If you pay with an automated
monthly payment that is dishonored or returned, Capital One reserves
the right to assess a $25 'Returned Check Fee"If an automated
monthly payment is returned, Capital One reserves the right in
terminate this authorization and your participation therein. Monthly
periodic statements will not be issued to participants in this plan.
You must notify us in writing If any information changes regarding
your bank account or if you would like to change the account or
financial institution from which your automated monthly payment is
debited. Please remember to include a voided check with your letter,
if necessary. We must receive your written notification at least 45
days before the payment due date or the change may not be
implemented until your next payment due date.
You may discontinue the plan at any time by giving us 45 days'
written notice. Please send changes and termination notices to: Capital
One, P.O. Box 85025, Richmond, VA 23285.5025.
Questions and concerns about transactions can also be sent to the
above address. In addition, you can contact us via telephone at 1877-
8155768.
tAlimony, cbild support, separate maintenance income, co-
applicant's annual income or other income need not be revealed if
you do not cboose to bate it considered as a basis for repaying this
loan.
'If you unuld like to repty to tbis offer but are not interested in
automated monthly payments, simply complete the Loan Invitation
but do not jW out Abe Automated Monthly Payment Option section
0 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved.
5797
KATIE BURD,
Walk into the dealership with your financing in hand!
Get up to $30,000 of financing with no dealer credit applications in just 3 easy steps:
Let us know 2 Get your 3 Head to the
you're interested. Approval Letter. dealership!
Simply apply online at or cau $ $
Monday- Friday, 8 a.m. - 11 p.m, or
Saturday, 8:30 a.m. - 7 p.m. (El)
CapftWow'I auto finance"
YOUR PERSONAL RESERVATION NUMBER: 0068362103-04658
Capita/ow
PLATINUM MASTERCARD ACCOUNT FEB 24 - MAR 23, 2004
5178-0521-3863-4189 Page 1 of 2
Acoount Summary Payments, Credits and Adjustments
Previous Balance $16.05 1 17 MAR PAYMENT RECEIVED - T14ANKYOU $100.00-
Psymena Credits and Adjustments $100.00
Transactions $115.07 TrIu coons
Finaace Charge 300
2 09 MAR WLI'RESERVATIONREWARDS 888-6885995 CT $7.00
New Us= $3L12 3 11 MAR QPALITECH COMPUTER CEN LEMOYNE PA 16.96
Minimum Amount Due $15.00 4 12 MAR Qj,IALITECH COMPUTER CEN LEMOYNE PA 20.14
Payment Due Due April 23, 2004 5 17 MAR WINE & SPIRITS 6708 NEW CUMBERLAN PA 11.97
6 23 MAR CAPITAL ONE MEMBER FEE 59.00
Total Credit Line $800
Total Available Credit $768.88
Credit Line for Cash $800 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
Available Credit for Cash $768.88 Child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost
or free health cue coverage programs in PA.
At your aerrice
To nU Customer R4.ti a to report a It or.tolen slid
1-800-903-3637
Seed payment to: Send inquilie to: _
Attn: Remithn« Procauing
c*W One Semen Capitd One serviam
P.O. Boa 85147 P.O. Bea 85015
Richmond, VA 23276 Ridemond, VA 21285-5015
Important Account Information
This month you will receive your 2004 Guide To Benefits,
which seta forth all the additional benefits and services you
may be eligible to receive this year. These benefits and smites
supersede any bendna and services Provided in your 2003
Guide To Benefits or other additional benefits and am Am
previously communicated to you. Please read and retain for
your records.
F-1tlance Charges Mlearrav reverres*)rpr imp dart iry6rma m
Bd rem. r ;sly
PR a CHARGE
r
r
$ ? +r,r
y f
a
PURCHASES $.00 .01082% 14.911% $.00
CASH $.00 .04082% 14.90% SAD
ANNUAL PERCENTAGE RATE applied this period 0100%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
Caaplid10W 0000000 0 5178052138634189 23 0031120100000015001
P1'-?,vr.evarauv,,-'Vy J'h e.,?.-.CW -,Wk k
New Balance $31.]2
Minimum Amount Due $15.00 sots Apt
Payment Due Date April 23, 2004
Gay Stine ZIP
Total enclosed s Home Phone Aiw-ve Phone
AceountNumber.. 5178-0521-3863-4189 0
EmulAddrto
#9008494670697240# MAIL ID NUMBER
Capital One Bank
-1
!!!? KATIE BURD i_
1198 SHOREHAM RD 1
P.O. Box 85147 1111111111111111111111 c
Richmond, VA 23276 CAMP HILL PA 17011-6135
11111111111111111111111111 11111 1111111 8 11 1111 gill 11111II111t11 ° 11111111111111111111111111111111111111111111111111111111111111
Pleats rorittyolvarmuntnumberonyorvebeetearmoney order mndeppoyable to C'#tal OwBm1.4 nerdmar! in the mdemedenadofe.
Go buy the car you want with no worries or hassles!
You've been pre-selected for up to $30,000 in financing.
o NO financing hassles at the dealership a NO dealer credit applications a NO application fees
Apply online at www.carfund.com or call 1-800-304-4854 today
and take the first step toward owning the new or pre-owned car you've always wanted!
Private Reservation Number for KATIE BURD:
i?
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15%a$la o.e rb. rmdk smiJ. The-cnfy.urfuwndtig.ilhbededarid.grad,ppR.A.n eimria Any b.oknprde..&Ave dWnq.d on your oath basso.
Mioioem m.nddy inmost aF $1.500 b -,coed. hyroea -nest steed If%afa- mwrrby ieam. Mismoe dine. pq-of 61.000 (is ash e.kh. rmde or
nuoufiureS od.W u -PA.. Tod .no.nr 6-. _ - , mud h.., led 510.0110. In..-"- renriW- po, You uue b. x Intl la yore of W-Applia.ou must he. a -W
se kh- tali b. Uokd 5e- n d.e shod f-- APO. FPO aW P.O. B-.dd.ma am mm ligi.k l d,u oR Yd:de mud b. owml nod minoimt in ds U.kW
gee. O&r..did fro .Ili mm.1& (it 9 od nn•e) -.ding tie. &-J L Olbmobile Mi.'MAi. D- and dim..l.ed Aid. tin- Tiosd ilea -kdoo apply-r-
.pp-A p,deg. (or d.dr. Th:-%, is nm.did for, mao.gdm mobile home. RVc auome 6.l a Ind .Aida.nd b.. T66 oI- i. rem vAW in AK HI and U5:
dW-dom rmirori- P. %mm mwuwo..ppy.
O 2004 C.piul Onc Smrir- Inc Capital Dn. i. , (ndu lly mgW..d .d.ie rock All ripl.e -id.
0068362103-04658 Please tall during the hours of.
Monday - Friday, ft a.m. - 11 P•m. or
Saturday, 6:30 a.n. - 7 p.m. (M
Have this number handy when you contact us.
a-ia.w Pmisd. rose vAi4rw . mirin- grace period of
25 days wkhort On ds, airrp en row purchased, sew
balance trsrrMS, new sp.eW padesea and new etrf
?'rg" Id ? ?y ? ===4
acadrrs wkh to be crocks aaAmd ear rus auost rtad
and In Uldams. T it to d by Ym near
and special tasrm if In d. dvere b gr+ca P"I "Id
en ary rrarnsectlo, if you do not pay the rotd ,New
b. Aew.iy Firm Clrya. Transactions vlid, are not
imm tie d: di: ?dfmm air d b d, )
frrwcdon is processed m you Account or 3) from the..
On- clanged coradmis to accaue in
bWie
yet rr u paid b? uW the upsW bNrnu M paid in kn.
Then suss that you may tai owe Mce charged, even It
you psy tlr eMn New BaWee in
Indicated on the Ism of
not ot' a m' " ?ai s, art rid
f de es for the ptsvlas maid,. LYp+M Or,sio draped
aro addd m air app;otls rx? F; rsopgrad, -.h bM yen Amon t
e
tic. C=='
iiraco FhaeaagOw o Period nlm
Clgsiic EE?oto & ritplkrre ??u¦tlnpitinynr
totai RMU M
psdoAe reas .Ise 1M pO.6o, we wY auddr rtl t
ems rd tram do 60.50 akiaen and the dRerorws will be
bid m fir pad- purr of graver.
td. Tarpasy IlabrAion In urea Orrye. we rosave the
rod to not soared any a all fir,enee duped ter any (liven
2. Ava-ge A Dsh- IYeaMaiy Ndw lVtlwul.
a. Fitaru dirge Is cal ad by nnitiplykng to da6y
lad- &f each i; courit advance, p rclume, special trdradsr, erred (tpsdai prrd,ses)
W air teossea air t dally paled. me" that h- Iran
previously dsdedsfo you At the end of esrh day
it. birq peeled, we apply t5r periods m or for
++gra+rd of yar aoa,d -fir b+dece of «da
vue up
the results Td drde o'doOtlerr to ? daddyrdp the
results ?r
pwbft rjm ft. adh data rent on endive a the tow bd.
finsnce CfeP for your aeconart. To Ilst the daily iaiance
for grad, aegrr,err of yenacearn, awoycoke ttr bd?np for each gment ads! transactions
O:dd
nlollad I- de PaNas
s?id?ry ire" icd of
days for toe selp+terd. We tart s l t-rY a
paymsts a add * poaeA rod ,day dirt aro abcmad
to that _A:Z TNd dv+a u Unds ep.ram defy bel.rna
for each grams or you a®ud. However, If you the
(a
Neer Bal:% ah- en yen pev c seoe;. In
R yar row baisnce wed sae a • aedt arreu,0, new
[rs: vNid, Poet m =:V=z=.
rais-e dear-b asdYnloyt We
tins ad 24. ms nnba of
tle slays h t1r mi. bMW . 711 by the a nt r mid
fir,nce, cl a -MW von average risky balance y tie
besm, ma
tike- y be a
kdlen and V,o amount or
Nirng coueaed by thla statanea, we bide the
frpptbWnea of each a+gaont each day, add my
transactions to each ssgrmrm, and sEi-ct arty pa)trw
or croons. (if the cads N appesn on 1M C* of UYs
statemerd nee ro •BYanu note Applied To: we aia
subtract any topold In since, dump Included In finds bai
of and, aeprtrrt.) T1i. 9iw+ us it. daily bslsws of e
togodard. Tlrr,, vw add up A the dvidNy Glanuo fa e
for to 61Ynp pedad and de by the Loral
anitIment -amber of dry" In to hY6r,D period TH. Gives us the
average dry balance of each degrrrn.
3. Amarl R.M. P?or,ta0s fAPRI.
a. The Lem ,Annual Parcem." Rate may appear as
•APW en the from *I IN. distended.
G If the code P ff-d- . L 13-ono. UBORI. C (C.6111c.u
Vila statement and m to periodc tamoo, to DMOde
rams and mrr?pondrq ANNUAL PERICIETlTA0 MTE4
nay wry gyrleily s,d mry knoaase or dscroue based
en tie stated Ndaa, a tared h TM Wag Shah
?oun.4 Pias the maroon peviowy d adlosed W yea
These d,r,g.. wN a efkc6w m tiro 1mt my of yaw
bghg period d vA b yon= +l y a?'o
h the monde marry, Apo, . Ajl and October.
If the code D (idlers), F (1- LIBOR) M O 13-
UBOR Nepdced Mordiy) - an fine from of V_
statem red need to to pedade rat.W 1M peAo roue
and od a Alfd1AL P91CBF{At1E AAT E'dcmay
YAl be efledw on the fim day at Veto kNrq P+rld
4. Aaeeer-t M laM. Owgak sM Returned =L .
Yoer acco rn wi be aasea.ed no mad t,se tee,
listed hers tle ever duk,g any bung period Under the
taro. of you aatansn agreement, we roesrve fir dpM u
waive a rot ro a.r::W es == cotiwldrM -W.. to rns or simlar
films.
at
a lama
6. sear Aeesu:If If a manbengilp fee
appean en tlr imm of tie staameny you Mw 30
days Fran ,M rims u
avoid payk l1Vo tee o r whit was fee mares to ~w such credited you to you
If yw cancel You account.
account During uts odd, you may
lemma to sae yen acown wktrt lrvkq to pay the
memhpdrip tae. To carcai yea recant, you must
notly us by calling m Qrtana Relations Department
ad pry you New Bailee' in I% lerdudng t,e
membersnp fee) fwbr m the ad 111 tM tHn, " period.
& R You Close Yar Aimosed. You stn roquedt to dose
yyoouu aaaum by c+gkn9 w Qatanar IWtlae
Deparhrn. You nnr destroy yaw erodl urd(rl sm
,cu,am accew decks, cared at presmhdtd .Khan
ed urea uWq your ecconrm. If yar rb red canal
prearnMdxed Ming +nmpanads,,wo w01 urrider
receipt of a charge your authorization to reoi?er, your
eccorrn. AddtiendY. Y+lr accost rJased
lunch Your P+Y a• snarnts Vest .r= sry
ian you Irw rWnd=d, finsnu der is
due tees, ovellirllt mar, fdltprned peymont teas, cM
adwnu mar aed ary otlr roes asaesad to yen
aro ra.porWrie la tlese amotsns wMter
aceocan. Y.
=,:r, en you .ceornt at to time you request to
thcomes a they aro Incurred sub.epsm m
yen reps m due ins accarrt. TN. may malt h
Wrysa ap?p.rirq co yw?earan afi you fuw
..r
if you sax"d-d a padres from • nvsrdunt ad we
rerdve tie trsrL front the msrchrt after your
scedrd him been dosed yw accotrd vw bs mopes
to amout of the drrys vAl ne added m your emou
adyw w??i be rsyarWe for payment. If tlnero la a
msunoasip be for yen accent, the fee wi coed-
m lea chj:, m air aoaent psnNmad by law, un01 tf
seco,nt bslr.u hr bass PeN h bO u defined abw
.vw card a accord start be
7. =Y:=
dth ary Internet gambling
6. Nod- Ai" F lead , Cheek C,rwsaior,. When Yo•l
u ehfomr?khom yor ?docck tooWrdzs us to
electronic lupda insider from yourtrbank at?,nt or m
draw on
u ?infomtatlon Bmr tlrek mekctraic
fund luster, fun& my be vAdKirawtt from Visit bodk
account se soon as the some day m too" yaw
peymsd, ad you vvA not receive your check back iron
your 1i,srJY it die don.
BIWNO IOOHTS SUMMARY
(1n Gee Of Friend; Or Ourdam About Youir BE)
If you 1Ndt you hll la reap, a I1 yo- need rwa
htamatlon en, trsaactlon a bin rude m u m s
papa-u eh.0 n nom as Duo n the am- its
knptrW slevm, on tie fiord of tie statement. We must
deer From yea ne latm trap BD afi r we sad you tine
film hi en vdirh to aria a D alpaarod Yeu user
utl m Utsleana Reiddelne -erber, but dokp w vA met
pNdaw your ridna In you killed, dw to the Ide.* P
ion you rends and acorad mnber, to dollar
soncent of ire sampecead error, a deadptlar of tire error
east an arplsutlen, H poWtls, f4 wwfhWy pus below tore is
an arose a Ifyea need more hbresYon, a description of
the Itam you are ueare about. You do nor .=to to pay my
am so obl=to pay to parris of Yaw thust .. nor
ywdWrnq set vo dga ;vcus to cab t h.
arvided your i,t special pN for Credit Card Puchaen
If you haw a problem with the quality of property a
parolees thn you vdtin • credit .it and you
hew told h Lhh to oeneel the patlan 1MM the
merdnsr,t, you may hew the dam rot W Day air rsnakir.
amolr,t dudspyon the ny a services. You how this
86pr O.W arN to prtWesmade in your fetes ante a
Wtdn 100 rriW of your teeing soldered. Of wet own or
operme to metd,sm, or if wet "Masai you the
advenisement fa the a aarNoes, N purdueer
an covered reyrder of mown a bcaaion of prchaae.)
Plase remember to sign all oareepa,dence.
t Doan net apply to to-rumor sae-eredll card accorars
i Does rot -AAh• an GaMSSe mar-w * card accourds
racy praedcm sae m
device mart of Capital
b. It fir cede fa N appesro en the haft of 11is rtatmnent
ne.a m iBale_,_ Rare Appied To: von •n•ItiWY be
319075
IMEMEniommssw s: Ym MNa+rd vA a ctedmd m .leant q d the tlatr sew noNw h. provided you e wst Use boltaa Paton oT cis aatanwn aM yaw deck h tM enclosed
lops, and )w paMment b noaivd In m proussitq Data Fry 3 p.m. P•ymans adtltsessd m m W?Na a Osega pocaair,g um.r rmat W malwd en a leaden dsy
f. Paymsma ad6esrd m m Waslir,pton pmcdseslnp Dana rrmaR Le mafvd our a Wskew dry by 3:00 p.m. PT. PMeds abw m umc iM (61 Wsirda Gyr Sou pedal
sa nuivd?ktaYduprt a•t1' WdnparbeaUan a in arrter dam muY net W endytoeud 7M .amds M' wet mwiw 7Mm. W Duakese Myr an MordsY fmoWh SanrdeY, ertktkN
or to mnarrt of to dtoek TNd au6rdxnienpr?appli?es m ?p'cM b reaivd MrigsttM IiNnp cycM ev?a, itrom by aanear al»o 1 vw -mot moan fir tmmhyou
make a d,ergs +Oaknst your bank aocarm taitq the duck, a paps doh a OUef Ann.
4
201228
CapHaiQne• auto finance"
KATIE BURR,
Your preferred status can take the hassle
out of financing your next car.
Page 2 of 2
APR As Low As 4.99% Dear KATIE Burn,
Great news! As a valued Capital one cardholder, you have been pre-selected for auto
No Prepayment financing of up to $30,000 with an APR As Low As 4."%* through Capital
Penalties One Auto Finance," our auto financing subsidiary
if you're thinking about purchasing a new vehicle there's never been a better time.
No Dealer Credit The benefits of our preferred auto financing package include:
Applications • An APR As Low AS 4.99%
• NO prepayment penalties
• No credit applications at the dealership
Financing of
000
Up tO $30 Plus, your preferred status allows you the luxury of actually walling into the
, dealership with your financing already in hand. The prestige of your preferred status
means that dealer credit applications and hassles over financing are a
thing of the past.
But that's not all. You can also respond to this exclusive invitation from the comfort
of your home. Take advantage of this special offer by visiting us online at
www.carfund.com or calling us toll tree at 1-800-3044854, Monday-Friday,
8:00 am: 11:00 p.m. or Saturday, 8:30 am: 7:00 p.m. (Eastern time). But hurry,
because this offer won't last long!
Sincerely,
J. Alan Berson
Senior Vice President, Capital One•
P.S. Your auto,Ruanctng of up to $30,000 with an APR As Low As 4.99%
awaits you. So visit www ca&m&com or call 1-800-304-4854 today!
*SW mierasfor addw-d in, forn i- ngt-ft tus o, jTa-
Reservation Number: 0068362103-04651
Have this number handy when you contact us.
Visit us online at www.caffund.com
or call toll free at i-8oo 3o4-4854
Monday - Friday, 8 a.m. - 31 p.m. or
Saturday, 8:30 a.m. - 7 p.m. (Eastern time)
CapMalow•I auto finance-
Certain conditions may apply. This offer is nontransfetable. Your credit history will be reviewed by Capital One Auto Finance in order to process your application and
must pass scoring requirements. Applicants shall not have any existing Capital One account that is, within 30 days of applying, either i.) 60 or more days delinquent
or ii.) ovedimit (either 15% or $100 over the credit limit). The amount of your financing will be based on credit and application criteria. Any bankruptcies must show
discharged on your credit bureau. Minimum monthly income of $ 1.500 is required Payment canna exceed 18% of gross monthly income. Minimum down payment
Z of 51,000 (in cash or with a trade or manufacturer's rebate) is required Total amount financed must be at least 510,000. Loan-to-value restrictions apply. You must be
at Ieest I8 years of age. Applicants must have a valid street address within the United States at the time of contract. APO. FPO and P.O. Box addresses are not
eligible for this offer. Vehicle must be owned and maintained in the United States. Offer is valid for all models (1999 and newer) excluding Kia, Suzuki, Oldsmobile,
Mitsubishi, Daewoo and discontinued vehicle lines. Actual rates will depend on individual credit history and could be as high as 16.5%. Term/mileage restrictions
apply-see approval package for details. This offer is not valid for motorcycles, mobile homes, RVs, commercial or salvaged vehicles and boats. This offer is not valid
in AK, Hl and U.S.-dependent territories. Program restrictions apply.
o ® 2004 Capital One Services, inc. Capital One is a federally registered service mark. All rights reserved.
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319075
CAPITAL SELECT CHECK
KATIE KURD _ 0653
1198 SHOREHAM RD 68.677/510
CAMP HILL PA 17o11-6135 Dote 576300
Check eVires MOypr, 2004 04885
Pay to the order of t 7n T n $ 0
Dollars
Capbal1J7[G Richmond, VA
Memo
Cardholder
Signature
ov40653u1 i:05i006??8i:6222138634189no
Account S
Previous Balance $31.12
Paymems, Credits and Adjustments $31.12
Transactions $20.63
Finance Charges $.00
New Balance $20.63
Minimum Amount Due $15.00
Payment Due Due May 22, 2004
Total Credit Line $800
Total Available Credit $77937
Credit Line for Cash $800
Available Credit far Cash $77937
At your service
To caU Otter Relation or to reporta It or stolen ark
1-800-903-3637
Send Payment to: Send inquiri-to:
Attn: Reniaanec Prooming
Cap;nl One Se-ice - Capital Once Servian
P.O. ll c SS147 P.O. Bw 85015
Riddmond, VA 21276 Richmond, VA 23285-5015
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
MAR 24 - APR 23, 2004
Page 1 of 2
Payments, Credits and Adjustments
1 19 APR PAYMENT RECEIVED- THANK YOU $31.12-
Transactions
2 09 APR WLI`RESERVATIONREWARDS 888-6885995 CT $7.00
3 14 APR NATURES TABLE CAFE HARRISBURG PA 4.34
4 15 APR NATURES TABLE CAFE HARRISBURG PA 3.91
5 20 APR NATURE'S TABLE CAFE HARRISBURG PA 5.38
Finance Charges
r lTdanendr
m ,plfrlre
R PURCHASES $.00
CASH 6.00
ANNUAL PERCENTAGE RATE applied this period
PLEASE RETURN PORTION BELOW WITH PAYMENT v
Pkamjarreverie maliEsimtrMOMice,jarrs wx
Pee;.& C -P a Rog
rde
I082% 14.90% S.00
9182% 14.90% 6.00
0.00%
0000000 0 5178052138634189 23 0020630031120015002
New Balance $20.63
Minimum Amount Due $15.00
Payment Doe Date May 22, 2004
Total enclosed $ 71
Account Number.. 5179-0521-3863-4199
Capital One Bank
P.O. Box 85147
Richmond, VA 23276
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for sack eeprnrt of yar coast, wa take to b8?q
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ad ww .rote dhatps talaaLetl m to Pmsvis®
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vnhtsrt -I wq our dya to assess tits sane a solar
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appears m tle tram d We alaterrwnr, you have 30
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avoid paYkq tYou a cb lee « to have soth for erodted to You
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m b mrirYed, m the talent Wrrrirted W have, ur% 1M
soarer bdano Iw been paid in NI u decked above.
7.1iyhy Yom Assast.Yar Grd or acGh11[ cannot be
twdln corriecYlorh wkh arty frtarhet ganhhNrq
8. Ma I Abort Eke& & Cook Comma hon. When you
provide a deck r peymart, you mhorks us alter to
use Yiirrrnatarr from you Bradt mmake soores-tlme
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Blll)NO RIGHTS SUMMARY
(in Caw Of Hrors Or Owed" Abort Your BIN)
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If Ya oirnk Your b0 l,
krbrmatlan m a irarrwlfm a blfi, orb m om m a
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am all obNdsted m pay Un P.M. of yau_ hNf t aro not
In Pmt 1vNb rva Inws{{Grto you golden, we carat
relrart you ee deRnprra « talre any action to caBaet Ib
amaun You glrsdm.
S,t Speed We for Cradt Card Purchases
If you have a problem Wth rte qusN1V of prapony «
servM10s dal you rash • credit Gad anal you
hew tdW H fah. to cerreet tlne prahirn with to
morrow, you nay haw t e rigs not to plylov de remoidr.
amast d us m to propBrly or services. Vuu e tlis
Ny wfyn to parlor Aloe was m«e dun
s6o 0o ands thm tsmm?•e was roads in w« h,«hm .um «
wHNn 100 miles of you rndiq adder. Of wa owe or
operate tb atereham, or if vat mailed ycu it,
Wnartlaerow Jon to pra?rty or services, all puodaaea
aro atoned roynlsw of ams+m « bGtim of Purchase.)
Pier mnenber to sips W ooneepadree.
t Does rot apply to aremna non-«ndit Gmd accou is
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One supports inimudm pdvaay pmecdac see our
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b tb enclesW menace arveioPe anal 12) you paymatt b recdved hat err firma by 3 p.Far PNass albs at Ives 1w (6) W mss days for postal doll
Paymerss recelwd by u at arty other locatlofn or in ary Darr Tam meal rod per tmnad as of 1M daT wa rsuha dram. Ou blekata Nr its Mackay lhrouyt SaardaY. oacludrn8 h, yo.
V ae9ime abcuaic narrlu dealt tram Yoe badt
a to you aWOlze s m rack a
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4
201159
Enjoy a low fixed rate of 19.9 %) through January 2005!
These Preferred Plus Select Checks* make every purchase more convenient Pius...
• Make purchases where credit cards are not accepted a Pay off higher-interest-rate balances directly
• Deposit the prefilled check for extra cash in hand • Use just like personal checks
No matter how you use these checks, you'll save with an intro APR of just 9.9% until January 2005 Ca .
going to a 14.9% fixed APR thereafter. Plus, the fee for using them is just 3% of each check amount, when In Your walbt?-
and never more than $5o per check.
Hurry! These checks expire May 31, 2004. Use them today.1
Pluse see reverse side for tams and condidons of using these checks.
KATIE BURD
i198 SHOREHAM RD
r1AAD ttll l PA,-2 -A"c
CAPITAL ONE SELECT CHECK
Date
Dollars
CapifalOW
Richmond, VA
Cardholder
Memo Signature
ii¦40649N, 1:05 &0067781:6 2 2 2 &38634 &J39u•
KATIE BURD
1198 SHOREHAM RD
CAMP HILL PA t7o11-6135
Pay to the order of
?ow
Richmond, VA
m
IZ Memo
N040650u5 x:05 &006778[:6 2 2 2 &38634 &89ii•
4o651
68-677/510
201159
04885
Dollars
ow
Richmond, VA
Cardholder
Signature
CAPITAL ONE SELECT CHECK
Date
MaY31, 2004
0649
Page 2 of 2
68-677/510
201159
04885
600.00
4o650
68.677/510
201259
04885
Dollars
Cardholder
Signature
N240651iN• r:05&00677al:6222&38634&89Ne
CAPITAL ONE SELECT CHECK
KATIE BURD
1298 SHOREHAM RD Date
CAMP HILL PA,7m,l.,ec
IMPORTANT DISCLOSURES
By using a Capital One* Select Check, you agree to a change in your Capital One credit card account ("Account'l. Ifyour Account does not currently have
a Special Transfer segment, one will be created for your Account. Ali Special Transfer balances will be posted to the "Special Transfer" segment of your
Account and the total Special Transfer segment balance will be subject to the annual percentage rates and terms described below. The change will
become effective on the first day of the Billing Period during which Capital One approves and processes your request for a Special Transfer.
Daily Periodic Rates and Corresponding Annual Percentage Rates
For Special Transfers: Beginning with the Billing Period in which the Special Transfer is processed: Select Checks that post to your Account through
May 31, 2004, will be posted to the Special Transfer segment of your Account. These balances will receive a fixed rate of 9.9% (0.027,12% daily
periodic rate) through your January 2005 billing period. Thereafter, unless otherwise notified, the balance in the Special Transfer segment of your
Account will receive a fixed rate of 14.9% (0.04082% daily periodic rate). For further explanation of how the finance charge is calculated for your
Account, please refer to the Section titled 'FINANCE CHARGE" in your Customer Agreement. All other terms and conditions for your Account remain
in full force and effect.
• Important information regarding your checks: The attached Select Checks will be posted to the Special Transfer segment of your Account. All
balances posted to the Special Transfer segment will be subject to the terms of your Customer Agreement and any amendments to it but may not
qualify for any reward programs. These checks are subject to a transfer processing fee equal tO 3% of each check amount, but not more than $50
per check. The transfer fee is considered a FINANCE CHARGE. The transfer fee may post to your account on the statement following the one in which
your transfer is made. The attached checks are subject to credit availability, so you must have the available credit on the day Capital One
processes your check. Check acceptance is also subject to the current status of your Account, and the check may not be processed if your Account
is restricted in any way, past due or in collections at the time it is processed. If the credit is unavailable or your Account is not current, as stated,
your check will be returned unpaid and you may be assessed a returned check fee. These checks cannot be used to pay down or pay off any Capital
One Account. Cashing these checks will qualify as using your Account.
0 2004 60oi101 One Services. InC. Capitol One 15 a ledemlly registered service mark All rights reserved.
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First 3 months half-price
P" rC
97
s mmth;
? ? a 59.85?mo. thereartm
Now with FREE Accelerator
for the firs! 12 months -a 0e0 value
138634189 SIGN UP TODAY!
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PLATINUM MASTERCARD ACCOUNT APR 24 - MAY 23,20D4
?: a1J0
5178-0521-3863-4189 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $20.63
Payments Credits and Adjustments $.00 Yoga scheduled payment has not been received. Please remit the amount due appearing on this statement If
Tnnsactious $311.97 you have already made your payment, pleas accept our thanks.
Finance Charges $2.25
Transactions
New Balance $334.85
Minimum Amount Due $30.00 1 29 APR EXXONMOBI1,I8 09655812 LEMOYNE PA $21.05
Payment Due Date June 23, 2004 2 29 APR EXXONMOBIL19 09655812 LEMOYNE PA 40.42
3 06 MAY WEIS MARKETS #125 SSHD CAMP HILL PA 2914
Total Credit Line $800 4 08 MAY WINE & SPIRITS 6708 NEW CUMBERLAN PA 22.56
Total Available Credit $465.15 5 09 MAY GIANT FOOD STORES #SLA NEW CUMBERLAN PA 81.77
Credit Line for Cash $800 6 09 MAY WLI*RESERVATIONREWARDS 888-6885995 CT 7.00
Available Credit for Cash $465.15 7 09 MAY EXXONMOBILI8 09655612 LEMOYNE PA 40.42
8 09 MAY EXXONMOBILI8 09655812 LEMOYNE PA 18.90
At your service 9 11 MAY NATURE'S TABLE CAFE HARRISBURG PA 517
To c,2 0atoma Rdatiom or to report • lac a stolen ark io 12 MAY NATURES TABLE CAFE HARRISBURG PA 3.16
1-800-903-3637 11 14 MAY NATURES TABLE CAFE HARRISBURG PA 7.49
12 17 MAY NATURES TABLE CAFE HARRISBURG PA 5.69
Sind poymats to: Sad iogai ks to: 13 23 MAY PAST DUE FEE 29.00
Attn: R-nitt not Proerming
Capkd One Swim Capital One Swim Capital One is proud to support The Heart of Amerko* Foundation, helping children learn to read,
P.O. Boa 85147 P.O. Boa 85015 succeed, and matte a difference in the world. In 2003, we gathered nearly $1 million worth of books
Richmond, VA 23276 Richmond, VA 23285-5015 for children in need. To learn more about how you can help a child make reading a lifelong passion,
visit www.heartofamerka org.
"Important Notice" Your account terms have been adjusted as previously disclosed. All other
terms and conditions remain in full force and effect.
You were assessed a past due fee of $29.00 on 05123/2004 because your minimum payment was not
received by the due date of 05/22/2004. 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 Xsomra renarendrf r impriant isl6rmatm
Ad-otr Pnrslr
PR?g
g'prrda ..IV A
c" PURCHASES 8183.54 .04082% 14.90% $2.a_t
CASH 8.00 .04082% 14.90% 8.00
ANNUAL PERCENTAGE RATE applied this period 14.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT
ROM 0000000 0 5178052138634189 23 0334850031120030008
New Balance $334.85
Minimum Amount Due $30.00
Payment Dee Date June 23, 2004
Total enclosed 5 - 1
Account Number. 5178-0521-3863-4189
Capital One Bank
P.O. Box 85147 I11u1111I1Iu1111111?
Richmond, VA 23276
11111I1111111111111111I1111111111i Ii111111111111111II11111111
Pleae amrteya ac o t 1 -aff M -WA
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KATIE BURD
o 1198 SHOREHAM RD
°n CAMP HILL PA 17011-6135
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about yourself to the company that pates ides Oft product - for example, that you we a Capital One cusornsr.
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malt in Weplwm id dupes. Access may be knifed, especially daft Uma of peak mtge. DW-up nurtEem may be
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6sdralrq balance of adh segment each day, addaamr
lramaler +N the code N mg-M, and uIM-0
appears on the frVlt elPrite
warmed Mud to'BYaae RaU Applied Toy who ship
shbinct arty unpaid itsnoe dwga Included In is balrh
of each searwrcI This giwa u tat dNy bshenhoe 101 r
sepnat. lihah, ww add .0 the fillyy bNaheae fa etc
e.grt for the b#ip puMpod and dvlh by Us trod
raaMa of byte In to btkhp pstod Thh ewe u to
swat+ye daily bslanncs of salute .agnom.
3. Annual PaaataYa Rimes (APRC
.. Th. tam 'Annual Paacataq Rat: may appear as
APIY on the fem at the autemrr.
b. If it* coda P prima), L 13-ma. MORI, C (CsNfate of
Deposit), a S (Baicad P*m) appears m the trap of
this sfatrnerit had to the perfecta staid, to aetadc
mat end ANNUAL PERCBnAO RATES
rsey wry may mass a deaaar based
m the stated Mr, a food In TM WY J%Vmf
JI-m& plus " manyn peMawnty daJoad to you
am
p?arrslro?dpe? war bar a/isc7 m lhaf rdley ofenydrhg
Them
HYthohg raoortM.. , Ape , VI and 0.Wbm.
m If the cods D (Filkno), F 111 (150111 a O (3-mo.
(LIBOR Repdoed ?Iaaf+d =V7=
atalrlart had p to PMbdL ba
as .On pmw-" c edwed 10 Yau Inae asrgsa
war be etfeellve on is fatal by of your ntiop palod
each month.
4. Aramemet of lets, Ovr'mit .rod Rammed Payrraad Fsw.
your aeean wi be armored no moms than tws 1011 to lea
stated loon that occur dung any bIIMq padod. Unhr to
terns of your nxurenm armament, war re:rw that rigid to
wales a not to aa.r amt fat vAdmA pda nodfcadon to
VAdteont waiving cu 4$4 to a- the same a skalbr
at a tar toe.
5. You Aaaaat. if. mahthat .llp fat
appam on the foot of this statement, you hew 30
days born to data this statement Ivy mailed to you to
avoid pe*,g is tes ce to hew such fee erected to you
if you anal your account. Duaq to pedod, you may
confine to use your account widaut heving to peY Ina
r.dty us by ca" f]pt Relations DDeporknat
and =4 ow Balance- in her (escudnp the dod.
& NN Ywr Apew to the and .1 the -..L You can request to da
pee
r account by calliq our Coroner Reladas
ennhem. You rout destroy you Credo ardls) rd
,
scout Masse decks, e.noal .1 pwanloAted tl1k19
and car you aeeam. If you do err anal
proamisdz bWq art.npemmb, we wp condda
r
recdpt of a charge you .darbadon to
axaut. Addhroly, you acernt vla not be dead
until you Pay d ammns you owe u bckx ktg any
transactions you how mAhodzed• Outer deryaa, pat
due fees, owrlimit ir, eumsd ayrrrrd +aa., cash
advance fat std nhy odor tae eaaslaed to Yeu
ewount. You an reaperMN for dose mommas wihsther
they appear on your account at the *-==. w
does the w mm a they am Inured
you equms to der to a:Cam This may moult in
W rp J•pp?.Arhp on?yw ec?a t ?. VT how
your -.1 t errs w mid earn-
if you auhahd • pudhase fran • merolrht arnd ws
receive the U mmacti n berm to msncan after yam
account hw been dosed, yam account wi be reopened,
to amount threeedwrrgppswill be added to yon! account,
be lot moment. H them 1. a
nnenmralp to for your account, tat be will continue
to ho dwoed, to to ettat panttted by low, undl to
.
sprout ba7erroe hs been P+N In ha as kilned above
7. Yv Asaret.Yar ad or acoaat cannot be
rmdn ann,action who. any kttemet gar .blhq
0. Hod- Alma M&W. i Chack Corrv mint . When you
use, lrhornilon fears yam drek to
to miles a arth
deaeattertapdd ttrWar from yam bank amount or m me a check t When
pu'e Mamitlm fi?o you" check to nuke as Wrtto le
tend varefr, fiadr may ho wltlhdmwn from yarn bank
aeeant r noon a tat sane day ore roolve yam
peVmha^f. rd you ,0 not real- yoan chock beck ban
yam ana,dr instashon
BIWNO AIGM SUMMARY
(n Caw Of Fiwm Or tlkmlws About your Bag
If you Welk you fell hi wrap, a It =r!=-
in omn.tom W a laartwcl{On a bat, on .
apse stmt a soon as poaaMle at 1he addew for
hpnhdw >1e- on de fiont of We ratans L W. must
hest flan you no tats ten BO hp after wo eat you the
that all on, vdhdh the error a problem appwrod. You can
cal our Ctrolnr Relataa IIrllnhor, but doing so vl1 not
pprorasravwe Vou delta In your latter, give u the fMowng
mount terc Yam area ad acpput ntnnbea, of does
a hsed to error
a of tat era, d
end an rd ap Bork N
possible, Vou
ofhn1ny you believe owe Is
m ens; or If U you you nsur rnhona ih on a et of
the ban you ere carer abort You u d do not have to pay but you
amotst In =--P.,, vw am of V- hw It, feu you
Naqus?illen fed nvtahsellppeelns armsyd_kmh111i 110 that - cannot
or L7os acdm the
delempmnt amou
nt you quandon.
4,11 Special little For Credit Coed Ruehmes
11 you how • pmbW. Wilt the gAWky of prperry a
fervfose shot yid vAfh a erode and and you
thus toed In nigh ta corcaci to prablan vAth the
raraakilq
merchant, you may (tow the rot not to pay the
anrat due on to propem/ a services. You have this
prosctm ally wtsn ore puudhase pica wm nom than
060.00 ad to purtlwe vats mods in you hpme sate a
witli 100 mgt of you maiq ad&. Of we own a
operMa to rrcant, a If we msa, you the
adwnbsetem for to pa a wMces, ad purchases
are coveted reganlesa of ammo a location of prrheae.)
Please nonmember to sigh are omapadence.
t Does not apply to Oa4tlrlla nun-cma cad acme is
3 Mara AN apply o business zto n-uadlt cad acepunu
CarpiWoOm stppone idonomdon privacy pmlectiom me our
vCapital One h a Itedwalliv service mark of Capita
tram Paint. You roar hew -A min- Face padod of
25 drys without to dupe on now pudreaaa, row
babnco ounsffew now special ItaHre m and - otlw
chintle. If I War total "New ....lane mite the important Notice for MN^am below,
e
and In uInte for it m be padlsd by yam now aaemerd
daaiq ciao. ?a In pees period on each advams
and ny trarM Nayo oudi rot 'lonot,payteedwt tearol 4N pehd
? vnhnoclbn Nsw
Aearriq Fha m ' 9a. Trasactlahe v"c h am not
Tr?tr ofdste?Ur?trrwetlon??fren drder did thou)
trahadbn b pr m=od to yam Aamtnt or 3) loan oho
ant alarhdar day o4 the carat 61aihP perfect. Addldorrfy.
N you had not pay the 'low Bel.rnoa (mm tat Prevbt+
=m unpaid balance until ft unpaid balance b paid in ha.
TNO maem tot yw way .111 owe finance ch gw own N
you pay to rem Now Bans idutW m the drat of
your scompee by do nee somarm dseiq kite, but dot
not do so fa the aimoviioutt inoMt. tMpaM tnrrw dupers
se Wn aMiirewr Firaw Orga. Fs each HMq patted that
your anmtet hi w a lime dugs, o miian
foal FIANCE l7ilMEEoff h$$0.50 who bbeeoImpaoehd. If the
pas Wd hit.. tthen
70 60, v.e roll ".btan tlr[r
p r ode
bind ww tlr -d-le, wroiiwnara y radrttdflsrrm who be
amount harn the 4abO Teapary Red9 orga. Ws rewrw fib
tot to nottder any a A One- dsrgr for aid liven
rasps DYy tame IYhakadno New Rrdraasl.
Fiwae cheap Is aloYtatikt/liptyfng fro defy
balam of each segment of yet acalat (a. cash
.dratro, pumness, special mw. and 4adal pudo..s)
by the 11=1 daily p dDdle recta that that berm
pravbutVr ArJOwdw you. At tat end of each dry dtyp
to billing period, ws apply tle pettadc one fa e.df
aapnrtt of "or account to de tslrrs of amok
Than Of few dep t . elc labno w ? at ? w
yar
to pahde farces dugs for oedn sagnme We atl up"
ealta ban each tap . w atw at de foal perfecta
firms dros bat Vat account. To get to b.laoe
for each sepnert of Vat mm`= ,"'take ale
amid arm parlade flinance dugs aluMad wm Pmias
peyh . a clads paced r of pet day that as .loc bed
W their sephrt TA'. (/war u the wpena daily balance
for ern wgrrt of yam eoooort. Flmvevm, If you oho
tow Balahse sown M yam P-4mas, at tamest In fa
tf yam row balance tar zero or a uredl amend, row
rarsaehrs uch post w yam purchase a pedal to daily balamcm, We
calculate se mmmp me not ? by adding theM d!,
bdaltes togeter anted dvidrqcis am by der ruubsr of
to days n to c ne t bll" cycle. To calculate your tad
termro dd0odGgs,,',"a??aei???`'?fy?our average daily bale ce by the d-BY to number of In the billing
pedpQ Dr w rmdelw Q on as daily bads thieenne my be a
as& varbroo batwson this ala/sbn and the amount of
b. H Mai code Z a N ggs.e?m t o fiat of Ws aaenmz
?to'Balance Rom AppNd To, we maltlply the
M rA, rwrM Iw uwr „mNv
2700M
bpatat NstNe: Payrarta you rthal w u rttl be aedsed w you aoroux se M fns buerisn by we realm h provided 11) Yes tad the bourn Parton of tli staownsm tad your dnadt
h tha anudwst rerelttarhto anvalge and (2) ywr psyman Is rocelvrd h err po?Wq area W 3 p.m. ET (1f noon Pn. Phiase abw a best fw (B) Owisw owys for pwW d?va?,
"M nor eoalved by u a army char locstlen a in my after tam m.y not be cedtad a of is der we rooeiw tsm. Qr busisw hya ere MadsY ttoWh SawrdaY, avJudrq hokfaYS•
Anse do not us stapiw peer cis sac wAm ppa p.ymrt, WFsn you tend ue a W, you aufodse u w nab • mrtiros abetraai trrsor debit ban your brJc
acca.t ? ?anasn d ?tadadz? 1Mapw d dsckefinai?dxirq lhs Wiq cydo svm It sem by eanaas arum. If wo amol Pmaew is tnnsbr, You sutodza
First 3 months half-price
97*
1
4 a month:
m9umo. t6xesner
=FREE Accelerat or'
atwt tree &W w Oar 12 ien-1
BURD SIGN UP TODAYI A
HOR D ' 1-877-7784 207
HILL P 1-6135 Mention Offer Code: OPAL
Or visit www.peoplepc.com/go%opeJ
AccountS
Previous Balance 533415
PaymeMS Credits and Adjustments $20.63
Transactions $159.95
Finance Charges 56.74
New Balance $480.94
Minimum Amount Due $24.37
Payment Due Date July23, 2004
Total Credit Line $800
Total Available Credit $319.06
Credit Line for Cash $800
Available Credit for Cash $319.06
At your service
To aB Canaria R,&tioas or to q n • last or stolen nrk
1-800-903-3637
Send payments to Sead inquiries to
Attn: Raauttana Prccnsins
Capinl One Seniors Capiw one Service
P.O. Box 85147 P.O. Bea 85015
Richmond, VA 23276 Richmond, VA 2=4015
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PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
Payments, Credits and Adjustments
MAY 24 - JUN 23, 2004
Page 1 of 1
1 09 JUN PAYMENT RECEIVED - THANK YOU $20.63-
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 26 MAY WEIS MARKETS #125 SSHD CAMP HILL PA $5.39
3 26 MAY CVSPHARMACY#1630 CAMP HILL PA 81.48
4 26 MAY WEIS MARKETS #125 SSHD CAMP HILL PA 24.75
5 07 JUN NATURE'S TABLE CAFE HARRISBURG PA 5.60
6 09 JUN WLI'RESERVATIONREWARDS 888-6885995 CT 7.00
7 14 JUN NATURE'S TABLE CAFE HARRISBURG PA 6.76
8 23 JUN PAST DUE FEE 29.00
-Capital One proudly supports the National Youth Anti-Drug Media Campaign.
PARENTS. THE ANTI-DRUG.
Stay Involved - Ask Qyeefions. To get the FREE booklet, 'Keep'ng
Your Kids Drug-Freq° aB 1-800-788-2800 or visit www.TheAntiDtug..rrf_
-Important Notice" Since your account was ?t due, your•Antrual Percentage Rates (A.P.Rs)
have been increased aspreviously disclosed. All other tams and conditions remain in full force
and effect. Please 1. advised that under the terms of lour account, your AP.Rs are subject to
additional increases if you fail to keep your account in good standing.
Want to reduce yotu A.P.R?
If we receive your minimum monthly payment on time for the next six consavtive billing periods,
this account will be reviewed for a possible A.P.R. decrease.
You were assessed a past due fee of 529.00 on 06/23/2004 becalm your minimum payment was not
received by the due date of 06/23/2004. 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 Xwmree reverse rid4/6r im#dast iaj6remtion
B? P ` WE
.pjlr0WAIJt rrk R
n PURCHASES 844113 .04929%P 17.99% $6.74
CASH 8.00 .05477%P 19.99% 8.00
ANNUAL PERCENTAGE RATE applied this period 17.9991
PLEASE RETURN PORTION BELOW WITH PAYMENT
189 23 0480940020630024375
63
0000000 0 5178052138
4
Pk-prierwedaldra ,VY e-eaaAdsan?rr kekw-.,Nar errH.*dek
New Balance $480.94
Minimum Amount Due 524.37 shw Apt e
Payment Due Date July 23, 2004
- City Sege ZIP
Total enclosed S ? Homer Phase Ntemate Pb.,
Account Number. S178-0521-3863-4189 0
PmailAddnr
#9017694670697244# NAIL ID NUMBER
Capital One Bank KATIE BURR
P.O. Box 85147 Itlutultlllunltltl 1198 SHOREHAM RD
Richmond, VA 23276 n CAMP HILL PA 17011-6135
Ittltittlltttltlltttlttlttlltttllattllttttttlitlttlltttllttltl ? Itttlllttalllttttttlltttlltlltttttllttlltrltltitltrlttltlttltl
Pleare ruriteyarv armarat nambtr onyav aV moisey order madePayable to GfitalOuBanE sad mail in tlxenderrdnnrdo.PA
,Qpplepc- online
1198 SHORwwAa RD Abetter way to Intemet.
CAMP HILL PA 17011-6135
UN#.IIIITED
INTERNET ACCESS
SIGN UP TODAYI
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26 ?e wades Arms
6afmra Var/rs, new a
a mYbmam {pace period of
6il?q be lance e of of by tli auMnat vta tab add tlw
new
any
imns.. a to Gab aarh asp subtract day, any
ry
ruxaar to es?wt, and ant an or pa?nrrts
cement (If the ode N aWa?r m the boo 01 aim
utaman note to 'Balance Rate A?pid To; cum ono
.beach any m.) Awes drapes Fdieded in ce edema
at each srlrme?c) This dvw u My tle v balance at each
your a=unt H it hes already been dommi For example,
If you aWadzed a putlree from a msrd - a d we
rerdvs the trarracion frsekt the merchant after your
account has been dead, your -at .0 be reopened,
the smolat of the dtnae Will be added to your atraat,
rd yyoouu be rsywrLle for payment. H sires Y a
rrwuenrip foe for yaw account, de fee vA continue
dwarf, m the earn pemitoed by few, uta the
robe
aocauot Wlrres has been Pdd in f ll r dolbrd abe-.
7. tliq Yet Aeouad.Vrs Can or accoisd cannot be
used In mrroctixrt with any Intanat gwnb& a
ban-dons.
9. Ned- About Eb.4ro le Meek 0-orlon. Whit you
preside a deft r peyvn t you aalrrize - aid- to
use bbrlmatim fen you dine[ to make a on?Ade
electronic fund trader fmm yar bank account or to
quire Ule r a d.ck trrrsdMn When sus
orde
from mom - ftransfer, funds rom your
account at soon as the some my em recahm you
per -, oral you lade not m col- your clad-rf back from
Yr+fknerodsl by daalon
BILUNO RIGWM SUMMARY
fin Case Of Enom Q 0-done About Your BN)
11 you think you =1=9, r h you need mom
Infssnaaan -a or bill, vita to u on a
-Petal. drat a scan n goer-' at the adder fat
IrgiMle alawn an to It nt of dim stateroom. We must
hear from you no la.r than 80 deya aNr we aert you the
fir. bill an Widh to am r peoMat ,{peed Yau can
pcrafaell oeruarWCuetaer Raletlcn number, but dieing .o WY not
inoamallm vour your na rm a account member, the dollar
amount of to suspected rte, a description of to error
and an mparrtlrr, if possible, of Wvft you believe them to
an a mr; or If you need mom infonviadoh, a decdpnlan of
the hen yes am uaue about. You de not he" to pay cry
smart in atredm vtdia we ere ImmolgV h, but you
11 y the PAM, .1 Y-m that am net
you as lvw nlatl or mpot you as Yw r tat artyscamto c W_ ahaMdfmtllfallweedCenw
to
re question,
ameam you question,
t,t Special Rule For Credit Can Purchase
If you law a problem Wier the WAty of pmpmy or
rrvixe that Your WM • credit pre and you
hive tiled b taldn to carnet to problem Werth the
merchant, you hey how the right not to pay the mmskinp
amount due an to property or serNp.. You hove this
pmteetlan: Wson 1M pmdw. ma de M you two .era r was rues Meru
4 or
Wthl Wn 1and Cat puller cumallikV r 100 m8as yet a11, yo. t W. owe or
aif if" von mdbd youCe
spare.Come a
ahrnteaner for ar she the pmpaky or eMaa AN pudofe or i; Poeasa rarer of = ammud? ? of pudre-.)
accord- "Id' the Important Notice for psymerds bebw,
and M tine for it to be credited by your nett statement
closing dmw Them 1. h adbra porlacl Ave re ke Vacs
and ipsdall iranotsm.
an any tray dat H you do not pay the total 'New
Wlwre.'
b. A.askq Fbaaa Qwga. T-nactione Whkh am rot
fmm the eau M?Ur t?rrracdans a?iram dr d?dtat l
transaction is peoeerd to your Accent or 3) hum the
first plydcr day of the curet burp oerlod. Additionally,
N did not DmY the 'Now BYanee from the prefers
upped b~drice kM tNuipa?id balance rte ps
M In U.
Ttis mean thin you ma=:- Awlp tlrrss, even H
You "to odes Now aerated on d.- hat d
your arawnot by the tea statement doing date, but std
not do r for the appmpaAvA ma04 ttpaN fitwrs dwpaa aided
Accotro,
tc. liiiman Fi the tlwaa. Fr each biq period that
total lairs deapr?srsaErlotfkr>1p0.60 twi bapspaCadrorlnrirayaoekr
me" Y7ass. aria tlrm
P
amount from
billed m ff. purchase, r?wt at amour.
t d =-"" R*A.Oee In iiwte awpe. We nerve if.
are any wall frame dirges for any UW-
2..:%=1911Y 41r- Iktaaediria Nsw Prdusei.i
altar b platted by rmlYolWa the
to .ssrp rm appry ve 7b.= rem nor t Yoe acmhst m the of made
asgwt. Than at ft and of the , vas add hp
to rewM of ere dculetler te ardvs at red henhssn erode seprm a at tlr tow panYour
g eW
financed- egs for yen arxxx.t. To get to dNy bdalee
for each segment of your amount, von take do bepWlalg
U
a
and d. elrna for each et rw raw traneactione
d
pay-- or ays baaarae as Cw mapld-W es. cWalee/st?todouWmet rNwkkaad
W that wt?Tai? us that day that am eemot My hdwca
for each sgrwlt of your amwt. However, If you coed the
N- Balema dawn an your p-Am. statement in M (r
H yet new bd- cuss zees or • credit arnoun0, row
trar.hlorr which post to you pudase or special
duple Ca rs?rawy ? coed md3? Cent ?g1,We
baWres
logtlw ad diMdidfg dr sales by de Iltallbef et
to date h dr anent biq Pelt. To caloulate yon tad
Aorta oltag, Yea avraps defy bdahp by the
om raadrq anWi ? ? Ulm mry W q
idt vsrlmrrs bstvrset Cie ploulalan rd Cat ttrtouat of
PeooePC is scieiy mVwdbL for ffM offer, and is not Alated with Cepitd One. Capital am does not provide, endorse or
guarantee, end is rat affiliated with, arty product or service down hoe Any tradameerka mentioned herein are solely owned by
the respective sittly. N dgh16 reeved. By responding to ft offey you may be Can. nk-4 ig information about yourself to
the company tlmt provides fhis product - for example, that you are a Capital One customer.
'PeoplePC Accelerated: Fad 3 months of service are bleed at $6.97 a month; $995 a marsh thereafter. 12-month
com isiment required for PeopbPC Aaelereled. McrtIHPMontll pdckg With no tam cormripmant is $14.95 for PNOWC
Accdaated; $9.95 for PeoplePC Onto mkd awderdar tedvaloyy. Offer salable to new Lid up wbsabers at feed 18
yeas of age and may not be mdeerned wth any other offer. Offer subject to charge d any Me. Plane technical suppal
available for $1.95 per minute
tWth p VIsPC Paine Aoalaated, certain Web page tea and grephice vA bed fader who compared to dancl d dial-up
Internet service. Memel results may very. service not eatable in all areas. Access; fees, tam and o1Mr fees end rttebktions
may appfg Phan lachr" support even" for $1.95 per mints. Far gNAMM CO 101+91D It 1-11118-6rRYNOW.
02006 PacplaPC it, PeopiePC Orft and the PeoplePC Logo are registered tlademaft of Poop , be. TraeemaW era
properties of their respective owners. N Fights Ressrwd.
Service not'v'iable into efea. Access fees, loo, and other lees end resefctiore may apply. Tdephone tol dwilds may
apply awl during trill petods. You X6 MBPWO EM for dausirk g whether a cal to one of eta access nurMas roil reline M
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a. The term "4:. d ernrtaae Rre' may appear as
APR' on trerlt d Cie wt.merht.
b. If the code P (Palms), L (3-mo. LIBOR), C Mordecai. of
DepoeiC, r 3 (Batrtsd P&W appe rs on the font of
thte automat next to the pe ladie au W, the Wtode
rates ad ANNUAL PEACl71TAOE MTES
my vary quwtdy my Increase or decrease basil
an the muted Moe, as found In 71m WAS 9war
Them dPrkprss t?e(MCCU on disclosed the test day you.
psrlod covered by you Ped .eatanent e?q
b err monlr Ja-- Audi. hW and Odab.r.
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1n maegro p.MOUIy Aria. te yoW 7Me dtarngs.
each rlnardM1 wan the 1rn dry. Yea Nllr pealed
4. Ae.etwd of Lau, Ovrldt erd RdUMW Pry - Fee.
y.t amokrt vtl beassessed n rem the. two of Cte term
listed ore 1M occur dukq try billing period. U dr the
teml. of your Cuato mer apeement, we remelt ths right to
NWN p not 10 are any fee Nliihonn= rlotlfiptlarl to
Wthout wW*v our algid to a.aeaa ..111. or
skmlal
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6. tar Aeaut. H • maMaralip fee
appears an the from of Cb .atemot, you! hew 30
days from to dale this statarnerlt wan maid m You to
avoid payhq Co in or to have suds fa amerced a you
If you caned you amou . Du&q Cis period, you may
rxnWtr to use your account Wdwd having to pay the
member" fee. To cancel you account, you out
motley w by calling or Customer Ralatle s Department
end pay y?r New BNrr.' in fist I.ahtwq to
mwnberrP tee) plot a the and of the Wmy4sr F•dad.
6. H Yeu Clae Your A.-..L you cat eepus. to do-
yyouokrx amaat by cdalq cur Qlaorrlr Ral.lar
Dapaunad. yes out de..y you credit prdW and
ocecad access cock., camel all preaWadzed berkq,
and pate yar .cont. If you do rot caned
pro.lorizd arttxgsn.ms, sus to n won yon
acou a dreg you .rdadzatlo m t nut your
account. .11 sly, you .eauet to tat
be dosed
mall You pay DW al amauts you Omar u YlrArdtq: any
due fees , dice eves mime tkwrs dha s, cpeat
doe , ovaraldt tee, ;;;lined d d tae, each
advance fie ad any otlrr fee assessed! ut
eecan. You an responsible ter dsss am rlwusen v
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tot apprr an year atxxlurt at to tit:=o
eq accent r toy are Inclined your request to CIO" Io aoooum. at. Thte may ta.dl ti
t Dote nor apply b mrranaa? rwrcndk Cary accounts
z Doe- ter SAPPY to Atuetess no-radA Cad accomis
0110 944m u knfem.lon pdycy pmtecdm; see our
r at www. pers.
ons is a %deraffy •redstterw.t service made of capital
ca
One udal Cal w4don. M Ilptt. mmwd a 200LCiLBAK
*am of IN$ statement nuddply the
7179M
bke wtlerxJ ell - Payments you mall to u wY be credited to your account as of the business dry We maim it, pwAdd (t) you sand the bottom potion of this .a.mah and your dwck
lh? anvslops and (2) your gysnrd Is mcal-d b w prmaasinp pneet by 3 p.m. LT (12 item PT). PNass aaow at Net five (5) bowY.e days ter posul diw
PaymwRS received by w at ant saw location or Iron any Vow bon may nc is cwdited- as 'It, dsv rm rseNw tom. Our bai.w days are Monday Csrn Saeadsyy, sxvdeV he'%".
PNrs do not kre scope -sg?ppag see. wh?at ppnnpp??drq pun pTiem. Wl- you send w a W, YCU .Nodzs u to make a ors tkn ateetroik I W,,* debit from your bank
acoerat for tlls anaut of the dredc'TNS auoelzatl;: ppass b N dwcb nspivttd c= to billing cycle oven If a.d by sane.e dee. If We cannot process C. Varbr, you authorize
u w make • dreg .ai,n your balk account wig cl.ci, a paper draft or
.tor ham.
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Gap? PLATINUM MASTERCARD ACCOUNT JUN 24 - JUL 23, 2004
5178-0521-3863-4189 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $480.94 1 08 JUL PAYMENT RECEIVED - THANK YOU $100.00-
Payments, Credits and Adjustments $100.00
Transactions $87.11 Transactions
Frnance Charges $10.61
2 23 JUN WINE &SPIRITS 6708 NEW CUMBERLAN PA $23.94
New Balance $478.66 3 23 JUN WEIS MARKETS /125 SSHD CAMP HILL PA 40.28
Minimum Amount Due $15.00 4 24 JUN MAB PAINTS #403 CAMP HILL PA 15.89
Payment Due Date August 23, 2004 5 io JUL WI1•RESERVATIONREWARDS 888-6885995 CT 7.00
Total Credit Line $800 Want to reduce your A.P.R.?
Total Available Credit $321.34 If we receive your minimum monthly payment oa tune for the next sir consecutive billing period%
Credit Line for Cash $800 this account will be reviewed for a possible A.P.R. decrease.
Available Credit for Cash $321.34
"Important Notice" Since your amount was pact due your Annual Percentage Rates (A.P.Rs)
At your service have been increased as previously disclosed. All other terms and conditions remain in full force
and effect
To .11 Cwt-ar Relation or to xpon • lost-Wen nrd
1-800-903-3637
send payments ta. Send intµiria to:
Ann: Raitk- Prow in$
Gpital oft savica Capital oft sevim
P.O. Boa 95147 P.O. Boa 85015
Rid-d, VA 21276 Richmond, VA 23285-5015
Finance Cba%u P/eaeuerevareridefarimfortart infavIation Aio&
, a rA* MEN
PURCHASES 1516.32 .0684MP 74.99% $10.61
CASH $.00 .06847%P 2499% $.00
ANNUAL PERCENTAGE RATE applied ties period 24.99%
PLEASE RETURN PORTION BELOW WITH PAYMENT
M! 0000000 0 5178052138634189 23 0478660100000015006
New Balance $478.66
Minimum Amount Due $15.00
Payment Due Date August 23, 2004
Total enclosed $ ?
Account Numiser. 5178-0521-3863-4189
P1 Fax p,i,tt ewib'ar albs ntd er etiaait damaa kdw Tray b6w:r Naek ark
sent Apt.
aw State ZIP
H-Phooe Aleemste Pboos
- #9020694670697249# NAIL ID NUMBER
Capital One Bank KATIE BURR
P.O. Box 85147 iiiuusidn!iuiitd 1198 SHOREHAM RD
Richmond, VA 23276 n amp CAMP HILL PA 17011-6135
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O 2004 CptW One Services, Inc. CaefpalltaalleOdrob a federally ?satWe?an+?d eeMee nuA.p rMo ydvaademarb mentioned herein am aaW owned by to respective entry. IPHONI S is solely not tea eke mentioned Mullion are solely owned by U?reaD ?Ow artery. N d" reserwM• ey responding to It" offer. Wu y bbeeted Wth any IMomna al? about ? ?
company get provides die product-for example, get you are a Capital One customer.
1. Ilsvr To AvoW A Fbanse a-". =p uses. To obtain the avenge dsaY bit- f« tM ynr acmes N It Iva eYsdy been rJo?ed ra exempts.
t H O o Period. You rms here a minimum fiesta period of rod by tNS Monett, we tab the If you mad a pudrae hen a mordwtt amd coo
A. es, VA
25 drys vdgnorr ours airrys m row puclrsea, new of eeaccmhtsaeegment Holt day, add rtnayry?rtttew nxehe the trrreerbr ft- ere nerdnr[ after Wts suka bdree trwlsre, row petlel Purdrwe and rev other or credits, IN the N on tlreMhord of pthe a your account will reopened,
a
the wnouttt of tis = weal be sdee yo?i
do ap
1Mrs s
deep- N you peV your toed 'Now Bolero , h ourk,
for WN^emb below, ebterne[ era Aqaclisd To: v e tleo a d you vNbe ropdr66 for payment. If
acadrm with tlr Yrpatamt Notlca Is
srrp its, for you' account, " fee wild continue, causes
and In time for It to be enedted by you era ararewm Subtract any .4;= dertle irAied ts the Miami, me beern
doing dal. There b no souse period on each adsenasa of each seThpt?w,mvas I'la, ohm us, the F Mr. total the
balance of 1He for ea
each ch =d biers tw been In 11/ ulNated shove,
as tlr y?yWr
sed
and special tnsrulen. In .daulen, guns b no 4r.oe Period "W-OM the tot tlNrtg ed dvide by the tool 7. ueitY rwA.aord .rw card or account courts be
on sty trarracgon It you do not pay the torts thaw number nt
and
of days In the Peiod Thb dove u the with ant' Internet a prMarq
b. eeirp Fares Chips. Trwsctiw void, are not +ge dray balance of Holt aepood. p. ?e About Fleabemi Cln..k Oarardsa When you
ab)ecl W a puss poled vas assessed urtw dwps 1) 3. A=Psoseaye P.M. (APRs. r as a deck H pas the 0 e welder to
horn the date of the bsreetlom a 2) from the daft the a. The term 'Annual Percentage Rate may appear Pn°
transaction is premised to your Account or 3) them the 'APR. m the front of IN. ebtanant are k lerrmstian from your desk to rrols a osnstere
art colrtdar day of the am"" blimp paled. AddidoroNy, b. If the code P Pored, L Bono. UBdU, c: (cerdacete of electronic fwd cures from your bank account or to
n od rot pay ths'tbw sale oe fiem tlr 1101. Deposit), or a Mankmd P* W appHn on the from of from r a desk tears foss When
ova your two molkMe
tar"up ld behani until tlr upid bi.andaa to accost, ta this statement note to the It uneW, 'Me artea Is Paid in AS. rate and onreoandrtp ANNUAL PERCENTAGE PATE4 kaa trrrhr, knob meY be Mithdrow, from your bra
This mere that you reed am ease lbrre clrrpae, own If ,nay wry 4rrtedy send may Incomes ar decrease based account se mom r the sane dry we revive yam
you pay do antis tow aims Ydeatad on the from M on the stated Inacaa, as sand in 71st Waif Stret P+ynrnt. rd you `A not mushe yuw deck barJc nom
your smanem by de roam statement clomp dos, but ad ,ours( pia the mason paNOUYy aedoaed to you Warr 1kaMa1 institution,
. be rat & so for the previous moron, Ilripeld ontance, charges Tiro drnpn aHSesw on the wra day of you
smolcolle s rtemert adnp BILLING 111OIiTa SUMMARY
are anted s the %=F:= m of War Assam. being by your t
tc. Miuar Finanos bObp Padod tlrt In w monde =1.'F A,Oataba. (in Ga Of Ernn Or Qwpar Abaco Your 000
ywr.asus b ar??gbpeacctt to • Rraa dumps, . nnkmama o. If the credo D (1•rno. Lie010 «O (3ynro. IT You that Yam WI b rasp, « If you reed man
tool ti)NSICE 6YtA0E of 60.50 yr be blPaasd. Irtime U50N Rooked MmWM u m tlr from of your Infeas Mm m a trsaeelm « lent, vMts to ram a
drupe r?bnm ham dr ?acadan of atatamrx end a the WWI mup) 1ha WdoOC roars apaab atom H sore as paa.bb a the add- for
Wrhodfc ranWYlr vaan ail r.0, we will abuse[ 1M and ? ANNUAL Ph AOE PATES may Irg =shrove on the from of th1e statement. We must - based - t. OD days after " own the
anent from its 60.50 Oitalm aed to dffeerum war he nned 1 I as Sound In ? Wee ?aaraL Plu fistth m?vAe, fr s t awn peatomm appeared. you -
Need or the Oudass aeprw? of au We ratwill not
t d. rarpstn Rotation n Yu or Or We resew the the maNn P0- M te Ind da to via Your bThese chamum M period call our Qrbrnra Positions mambstbr, ==.:=
but doing aAyit to rot sane ant «M rs dhrrpss hr any 0 n eac be ost, m the era tied of Youw b061a period pserw rnxa dQM• You
sip paled k,fomayox Your rnan,e ant acearm 2. A= DW 2"ma Ilse-- New Puiwsel. 4. Y b Owfmk and assessed no rroR nrndW l uent ?menttFFa? ? of the suspected his, a vM description ?? e b
count riod. Undo the an em«: or If you need mots, knkrmadm, a deacdpUm of
a. Fiore Woe Is segment of your accounq it. dMy
balance of each aspranerm of yam assent b. cash lined Irv that oaxu duskp sW baarnp Pa
or'drppecial trawler, and pstl.r padres) teens of your oWansr apmanorl, ova wabrrw lhs don to to the kam you em u sum about. Yoauu..dootiootdhhe- to coy any amount question
It, you
.d-me,, purchw
been wel aNpwv+umul[vwiNr,p wdda io =9 s.rrWrh aroaNl ots?ae aw we Pans of yw. wf that a not
the rtaedoaep u?Wua?Attlr erad of sd do t a
air pobrf, we apply use dN padadc ros for each at .ova tins. In question' * a vas Yneedwr your question, vo canon
sapmatt d yw.«sun te the eryy trWl.ntra or Hain 5. erdp ear Aeoa.r. If . meetadip fee report you as ddnprm or lire any, action to collect the
sspooe. Than at tie and of the NFq poled. vas add up opposes on 1M lean of We statement, you hew 30 amount you paedm•
the results of does M almWbna to aMvs at days from to time this sutament vow maned to you to
nnaY i.t Special Ikie For Croat Gad Prd,sas
oedemas eaantcm X::;. in as h ssVsar• We add up tlr avoid you Gti aasura. During tlis Padod. to you
rewub hen Ooto ache st doe told Periodic m
enures dare for Year account To got the continue to use your account vdMam he** to coy the If you have a problem v th the quality of property or
for each setpnernt of your aecourr, vas tats the °°er•er menteraiip b°. To recd you account, you mw eavices gat you volt .crawl Had and you
Matte for ado aspment and add any row transactions notify u by calling our Qatamer Relations Department haw tdo in hide a eared V e pmhles v th the
merchant, you miry hew the rigid net to pay oho remaking
rd any pafoac ernrvr drrys Hlntaud on the prsviaa eed P•rwr New Baisrrce• In hM (aaduudntp it.
day's bYrics hx dot sepraw[. We then s btmma a,y mapbe Xp fns) glee to it. ad of t[r *,"y pouted- --m due an the properly or serNoe. You hew d"
payments or cacao posted as of dw dry that am aasr+ted a N You eba Your AmOw.e. You con moos to does probarm air v/nngr pud,..w. gels. ova amen than
to do seanws. Tti gives us the .epamrs die Mara Yyaoumr asnart by csftV our C urta e, Milan pecumd and gr prwr cow unmade k, yam = state or
.? „a,rnt of yor accaws. hlevevs, N Ysu pod the Depanrmnanrt. You min destroy your coat card(s) and vigil 100 mks of Your rnaWq address. Of ve awn or
New Bmlrra shown on yam previsa statermem In Al (« ¦coant access dreke, canal d posaMalzed hiving, estate one rnodrm, or N wo m a You ft
If your n,aav baWra wr Hon or . Co.* Hro ra). row =, usYq your sacou n. If you do not canal adwrrfeem" for to prpstty or "Mew all purchases
transactions wh kh post to you pardons or pedal ed &Vn0 amnpanmu, we VA consider am covered repodeas al amount or location of puaMH.)
pu,d- egnros are no added to the daey bounces. we receipt of a tangs you stafthatlen to reopen you piese remember to sip A carepadatce.
==- dray V the dofsey mccw m• AddtiaWly, your account roe not be domed
and avidrip the wan W 1M nunrbor urea you pay .a amass you owe u ktebdna any t Does nor MAY ro mwrrw narudA cord adrnurs
tits days In the current bMV cycle. To calculate your uses transactions you Mw autlodxed, erawre Wppa, pass rontredir -d acoorwrs
filly Ikrnnpncharge, mltlply V% average deny bintee I ge due foes, owNrdt saw, rev.ned Payment ea, calm i Obe. not MAY m bua5rev
to and by ge nnta of drys I. do 6?5rq advance fw and any ante fast assessed to your
Panted Doles to murn6p on a dally, bola, them may be acco rm. You an rspnriNe 1« rare amasro vintner ? ? " ne privacy protection: ea our
vnyv,d W= P
At vealsnoa benvsan *b catct ladot wall the amount of goy appear on your assort at s her tlma you repast e at
lore.
,a,.ee wMy ? dw the acesam a they an ktcursd abaequam to al Oro b a tadstseoyMisad see - mock o1 GPhai
b. M ge cods f "« N organs on the 1mm of tits sannam your aaqua to does the account. This may resit In qwdPleads Capaatim NI d¢ns menved m 2003
mad te'Balrrs Roe ,ow To, vas ..Atwv to W a W adrp on your account I ye Mw of Capital one 01LOLBAK
......? m..r„> vale see,e,r W vaur.1-od v ft account to be domed
7597M
bpatad NabO: Paynams you mall e u vN Ds leaned m your acoou.nt H of ge MAkse day are nalw hry,, provided ll) Vsu sod the bottertt poNm of tl1N alatwnan cord You d,sck
ti gne erncloeed neaimercs ona.laps aed (2) yaw ynem b reciwd bra our tamer by 3 Pm. ET (11 rrl,m Pn. Plssw allow a bast ew le) buuinaas days for peal dNvsry
Paymerxs npiwd txy u ri eY odor laeagan or o arty odn bmmr meY YYha, ? sand a tla tidnsyy ve rests [lam. Qr bukras Gys am MwWY groudln Ssmmdeyy, exdudrna lafGri.
Pbaea do not use supine Peer die etc. vdnm yam gynon. you checked, You audadxe w to make • oretkns shsctrarmk unrM debit Traan yam balk
account tar tM smarm o? gne dwCk Thb aNor?appeH e- al Wcke ncaiwd rkritp tM dBnq cYdo swn it won by samearr doe. If we carve procew go trarrter, you aulladxs
tea a make e W ups spina You lemon auxoum uuskq gne deeck a paper mfr « ogr item.
KATIE BURD
1198 SHOREHAM RD
CAMP HILL PA i7oil-6135
so619
68-677/510
Date 598000
5;eckeViresSeptember3o,20o4 04893
Pay to the order of "n T n _
V %0& 11160
Dollars
CaPfta10oRlchmoad, VA
Memo
Cardholder
Signature
u§10619aa I:05i0067781:86 5 2 138634i89Na
Account
Previous Balance 5478.66
Payments, Credits and Adjustments $100.00
Transactions $19.89
Fuwwe Charges 59.50
New Balance $406.05
Minimum Amount Due $15.00
Payment Due Date September 23, 2004
Total Credit Line $800
Total Available Credit $393.95
Credit Line for Cash $900
Available Credit for Cash $393.95
At your service
T. uu Cult- R kti or to report f lost or dtolm ftni
1-800-903-3637
Sand pryments to: Sand in? to
Ann: Re ddit c Pmensing
Capih1 0ne 9enim Csped One Srivim
P.O. Bas 85147 P.O. Bsa 83075
%&-ad, VA 21276 R"mosd, VA 23285-5015
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
V
2
v
C4
4
JUL 24 -AUG 23, 2004
Page 1 of 2
Payments, Credits and Adjustments
1 28 JUL PAYMENT RECEIVED -THANK YOU $100.00-
Transactions
2 09 AUG WLI'RESERVATIONREWARDS 800-7327031 CT
3 20 AUG CVS PHARMACY #1630 0-03 CAMP HILL PA
$7.00
11-89
France Charges Pka wrmajesidefOrimfortaetinfarmatros
?b P.-;k& CwrrgswJir WE
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ro PURCHASES $400.67 S
0
.06847%P 24.99% U
CASH 8.00 .06847%P 24999E 6.00
ANNUAL PERCENTAGE RATE applied this period 24.99%
PLEASE RETURN PORTION BELOW WITH PAYMENT v
GRO 0000000 0 5178052138634189 23 0406050100000015007
P&m f.6.t„r?Iu daJ3vr ?a.r,?la9a><garrr?.ak?a.auat i
New Balance 5406.05
Minvmrm Amount Doe $15.00 Shed Apt 4
Payment Due Due September 23, 2004
City Sws ZIP
Total enclosed $ Ham. Phone Altemn Phoa
Account Number. 5178-0521-3863.4199
#9023794670697244# NAIL ID NUMBER
Capital One Bank KATIE BURR
PO. Box 85147 1198 SHOREHAM RD
° CAMP HILL PA 17011-6135
R . ichmond, VA 23276 u
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krpoRat kdermatien ywr 4h" W. The attached Purchase clack roil be troeled as ¦ rash aOVYlce aro«drq to the team of vmr Cheomer AWourndm, ww ny wmehdrlwna
m k Fbwewr, da check may rot qudfy for arty rowarde prowaw. The attached check Is sht(eet to coedit avWbihv, to You nun hive the avaiade cmdt m IM ay Capital ono
proeeaar ywr check Cho& aoogdarm Is awo mA*eW m the durum suns of you crowd, and the clack may nut ba poc Wmd If Vu secant ie mRdcad in wry way. Peat due or
M Maeetier at the tote It w Procered. If the aedt u uswRads or yar aceahwt b not arrant, as stated, yohr check vii be mowed Wald nil Wu may be aseened a me ..If
Chock heek ks. ITheas s a dhaclm ekr tarrhm be used a pay down « pay aX cerryly Capital One aewu'. Ceshkq these eaeks w0 quality u hWrq your aceoun. O 2014 Caphal One SeMcas, kn.
Capital One Is a fa roghterod saes mark MI curb reeerwd.
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to Important Nodes for Inymwb below, suternent mod
to be aedtsd by ydr now ateamem wbtrect wry u
we w ro W- pried m cash advarlaea of each MQIIe
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totel •rae carppsa ire
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rfdt m na areas cry «as 9n
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s paid In kill. rata aW ochre
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r X% t;
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if you wLadzW a puclws tmm a merdw . rd wo
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arms has been dosed, Voter account
the arrhahat d de ws ba added I your ecras',
and yyoouu vAi f be for paynhe wthers, 1.
ill cod e
ntwreetalep fee for Va? ewdss, the fee fee vdi tmfnr
Z=,
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m .dM7rhoe rmd, m drMeben WM euawr pam
above.
eh idl
7. rinks r«r Aeesd.rou herd ce acMUm cannot be
hsW ti unaakn wkh cry krenat geotav
tzaraadwla.
S. Mocha Aka! Fmeebahw CJaek L7m eeMh. Wtherh you
provide, a drek as paymet, you autleae se aka m
see kwh n Wm from Vnu drek m make • om?tkra
aledtoric tad usawfer iron yar bank .000WR «m
preur dr ppeelarher' n a , , trwreeim When le!
see ktbnmtin from Vwr dls k m nheks n akamdc
fled trader, Arid. they be Oelra- imm you be*
scam" se rdt as the, Yrta day ws r-W- you
=wa
III. W nly M* a rio tecel, ydr check beck frdn
BIl11NO RIOMTS SUMMARY
(M Case Of Ereem Or Oumal" Abu' Vow Bur)
It you tiirlk yar bM b wr«q, « l, you need maw
kfwmadm n • trwhewYlon « M, lucre to seem
aepawu sheet u eon r poaalN w the eddreu 4w
irhgWdr dawn n the inure, d tis ataanham. We ten
Isar trout you m late then BO ayr after voe sent you the
fka tli m vhlidh 1M error a proNsn ePPe+red• you en
call cur Csetww Relatima rernber, La ding r vM not
==141 =.61-1 ma once h nerber, t giro se therfniav'rq
aa tin the wr
rrant of the he suspected ar«, a deec1wwdptim of Uw error
and n eoplaratlm, R poeaNb, d you befFew taro is
th error, yo If you need mow k
the hem you ero urge about You Vou do n, a dears o not Mw m pay '
sty wry
wmwm k v'Ae row an h, but yoo
ro srM of W to pay the pwu of you cat an rat
In Wasdon, we Nwnlaau Ywr aaetlon, .ve unrest
repot ydh as tlarlgnellt « lake nY KII011 to cniact the
emolr' yen ghwtlan.
i,t Special RW For Credit Card Ruch-
If you hew a problem whdh the gusty d property «
servkaa the you vAw a erect herd end you
Mw tiled h . to canem the problem MIN the
merdarm, you may hew the fight rat to rev the wrnekirq
amount due m the pwp«ty or w4ces. You hew W s
profeetlon w'dylewlln the plmiamr+dPedtnM roue mat Ilan
or
vAtIM 11000 miss dfyou =%sddwee w sown or
the merdlarm.pr«apiterty «eeMne, ad grdaar
are oowrW rsytder of anahm -location of purchase.)
Pleats rwrhwnber to sigh an cmew de ce.
t Dow not AA* to co- aoirr-dd herd eccvraas
S Deas rot aA* to AUSW S non-ouch cad acaou«e
Om atgpons Momwdon privacy Whecdn: tae ref
an www.caphalor"L wadlamsw.
wserveQ o 2 aviltal
widd Corporation AM d"
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awry fa
m To; ws awo
ape m she bairns
s ribs deyay baWae d each
r d dvldsi«heal exh
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agnate.
flMi may appear r
s deemese based
way SYrset
Sowd to you
fksl ay d Yeh+r
etatemw endrq
October.
«O (mono.
w from of Vas
to Mtodc rota
try asebeec m you.
n ton Arrt dsy d you
2. Aveyi belly !.Mara 0 kho1 - New Mralasu4 4. Aurwhrt of late, Owiot wd Rebnwd Pryehlt Frs.
1w
a. Firhce daps is Mldlswd by evell"1M dolly de, tees
You "coax o wW be arorW ro mono Ihm two
belrros of each aa0hhnt of ydr acco a a Ts.?aI? Wh
advarlM, prdnae, weew im orer, and epetlal purdah) Ikwd Mw tNt Dear dung wry Mibq pared. thldw
= r apeemerlt, we rerrw the do-I.
rotes d =
by ton day perbdc rawW ribs Ire keen
drYh
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f walw « cry far vAtlau mks notigcatlan m
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ry
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t t
r sr
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o
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the big Pwbd v
y
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.
eagnww of yar arsout to dw kalrlos d udh b. Yar Aemwt It a membsnlip M
rptwr. Then w the raw of the period, we add W appwn n the imt d tNs anwrrn, you have 30
tlr rsiu at dhre dyly dadsdaw to ardor K yar
dd
h aye tram !the are tNs sutamem rvq mated m you to
h f
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rewire irahe each sepnat w a the total puled. y
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so m
o
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av
pay
i1 you auad Yen assn. During this Perlad, you may
fkrhM clangs r« you arouse,. To per dr day bewnoe cowrase to use you arms' v+O-n Mvirq to pay aw
f« can aepnwlt d yar eceaet, ws rate tla begFa'rq meMerelip res. To t:and your accoult, you must
=
balwra for each w , arw edf -rWry row trwrscdora
:y, ny 6rhes singe ddswW n de, pwA"
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kr Urt as
twm
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l notify se by ding ou Cset
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pay,eame «caadu posted as of OW dry that an efoMtad .
ff. N yw Ckss Ysw Aeaout. Yau tan mq m to close
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u
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we MM caridw
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erten
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pu
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h post to yw
stud . eelFmess en not acrid m the dual balarhraa. We
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snow'
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da'ew van total
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ye,' roper to
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6604M
krpelat NMNe: Paymerns yw ma to se vrN ba cradtW m you awwan n of the == lw proNded (1) you end the bottamh PoNn d the sutsrrharrt and your clack
H the enclosed nrmlturhM whwlepe arw W you yrn.m W rocalyed M ar preMpYm. ET (12 tam inn. PNna show n kaa fur (ti) bhtakwra aye 1« poaW 'awry.
Pa-W% moeiwd by se n wry otwr burin «N wry oche km mrY na M c.MW u d the 6v vn nacre tam. f7v buekara aye ero MwhaY tsdr{+h S+ludeyy, oadudrq hadeYa•
9. do not tar suPlss ppr dips wlwn drq pre tarht Wlhn you sew u a dwc you aedwdxm make a «he-tkm Nsctr«ic trawler debit Nate yw bwt
acwha' for the amou' o? ton dwck'letc. ids M-Ud-"prape a0orf appea m ai psyn dacb roMivsd dtoktq the big cycb awn N "UN y sanecm sbe. If we umo procmv the Uarefsr, you aWadze
us to make a chaps agalmt your baba: acown u*v the check, a paper daft or other Dem.
4
201211
Enjoygreater flexibqoty with the attached Capital One" Purchase Checks!
Purchase Checks* make every purchase more convenient y?
with easy account access and no transaction fee. tq4 s '
FRb?
Plus -
• Make purchases where credit cards are not accepted • Pay off higher-interest-rate balances directly ti
• Access your account anytime, anywhere • Use just like personal checks
No matter how you use them, you're sure to enjoy the added convenience CapHalOW
of Purchase Checks. But, hurry- they expire September 30, 2004. Use yours today! wd1•tlr In yaw waRN7'
• Important InforamOo• rWidlegyoarCapludOne Ptaclmse Checim-The attached checks will be treated as purchasesaccordingto the terms of ypuCustomerAgreementand any amendments
to it but may not qualify for any reward programs. The attached dads am subject to credit availability. s•you must have On avall" uWh on the doYCaphal One prooessnyourcheck.
Check acceptance Is also subject to the current status of your Account and the deck may not be processed gy0ur Account Is restricted In anyway, past due or in collections at the time it
is processed. If the credit is unavailable or your Account is not current, as stated, your deck will be returned unpaid and you may be assessed a returned check fee. These checks cannot
be used to pay down or pay off orry Capital One Account. Cashing these checks wig qualify as using your Account AN other Account terms and conditions remain In full force and eRem
ID 2004 Capital One servioes, Inc. Copftal One Is a federally registered service mark All rights reserved.
KATIE BURD 10620
1198 SHOREHAM RD Date Page 2 of 2
(AMP HILL PA 27011-6135
68-677/40
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01062211a 1:05L006778i:86S2138634i890a
KATIE BURD
1198 SHOREHAM RD Date
CAMP HILL PA •7oit-613c
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PLATINUM MASTERCARD ACCOUNT AUG 24 - SEP 23, 2004
517MS21-3863-4189 Page 1 of 2
Account Summary Payments Credits and Adjustments
Pnevrous Balance $406.05 1 o4 SEP PAYMENT RECEIVED - THANKYOU $15.00-
Payments, Credits and Adjustments $30.00
en 2 04 SEP PAYMENT RECEIVED - THANKYOU 15.00-
ns $237.14
Finance charges $12.59 Transactions
New Balance $625.79 3 24 AUG LOWERALLEN VETERINARY CAMP HILL PA $56.00
Minimum Amount Due $18.00 4 24 AUG LOWERALLEN VETERINARYCAMP HILL PA 19.00
Payment Due Date October 23, 2004 5 27 AUG AT&T Wireless Services 800-8887600 WA 95.94
6 30 AUG NATURE'S TABLE CAFE HARRISBURG PA 6.13
re
dit
Li
ne
T
otal
C
$900 7 31 AUG WINE & SPIRITS #2109 CAMP HILL PA 23.94
redit $17
vaila
ble
C
Tota
l
A 8 09 SEP WLPRESERVATIONREWARDS 800-7327031 CT 7.00
Credit Line for Cash $800
Available Credit for Cash $174.22 9 11 SEP EXXONMOBILI8 09655812 LEMOYNE PA 29.13
As a valued Capital One customer, you are eligible to receive a free Year-End Summary tbat recaps
At your service your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve yew
To call Cstomer RAstiom or to report a last or st Im oud: copy. All orders will be processed between January 15 and February 28, 2005.
1-800-903-3637
Send payments to: Send !.Film w
Attn: Ranitt- Ptooeain8
Cspiml One Senioa Cspitd one Swim
P. Bar 85147 P.O. Bas 85015
Ridenond, VA 21276 Richmond, VA 23285-5015
Important Account Information
Are you registered to vote in this yea's general election? It's
not too late! There's still time to regiaey so go for it. Your
vote can make a difference this November. Call or vidt yoga
local voters' registration office or go to
www.eve1yv0tecaunta2004.0om to make sure your voice is
heard. Every vote council
n
Finance Charges Pkxeree reoerreridefor impartaat infamario
Bdeawradr PerieJ:r Canyarlwr
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? ,yPvdb ,e .fP lrr.
PURCHASES $59133 .06847%P 2199% $1259
CASH $.00 .06847%P 249991 a.00
ANNUAL PERCENTAGE RATE applied this period 24.99%
T PLEASE RETURN PORTION BELOW WITH PAYMENT T
A
W 0000000 0 5178052138634189 23 0625780015000018005
C _;X
New Balance $625.78
Minimum Amount Due $18.00
Payment Due Date October 23, 2004
Total enclosed $
Account Nambw.. 51784521-3963-4189
Capital One Bank
P.O. Box 85147 11111111111111 IIII IIII
Richmond, VA 23276
IIII II III II IIIIIIIIt111111111111111111111111II111111111II IIII
Akan mriteyo armant asrnber onym
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Store Apt 4
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Home Ph.. Aft-* Ph-
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#9026894670697249# MAIL ID NUMBER
W- KATIE SURD
,n 1198 SHOREHAM RD
CAMP HILL PA 17011-6135
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? !? I1111I11111I111111111111I II I11111111111I Iili I111I11I111111111
chwA or money order madepayable to CypitalOnsBank and malt in the autared er w1 e.
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u?
att?w
t?
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a?
t
e 9rer lt+brl. You vnei how -a tokkWo 111800 period of
2a flays ,Admit faro sides n new pudraas, row barn0 oovero
6aWtu o
thlwtas trsMna, mtw special puctuam and rnvr odw
t b
4001,
dtrP. If you Pay v- MW ,Nw ?ce" N
ecoordaltca nYft to knportwt lbdOe ter p.vmras below, a trafb. (t tts a
'.
nnemnt and to
rd N drn for k to be aadled by your mad steamem
do.Yt date. Them Is no Vw paled on cash advencas
dal
1 sedan aertyprraptc.W
n eadt .Tian
we
?1hn
nam
st
. no vase pe
and apxlal trwwftm in addkWk ten
m any t.1o¢tyn If yw do not pay the total 'Irw ,
,
.
p
aepmnt fw tie IAN
h. Await Farnas Chwaa. Transactions vAkh err. not
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d lambs of daN N t
s daily balrr
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es Appled To,' ws a
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stied TN. 111wa u 11
Rats' my App",
uBOm. c Icerdlcs
he yur acc." if it has aln slly been do" For eaotnple,
if you aWssiow • pukdroae awn a march" and we
neW teesiw do barractiwr from 0. swediteAt era.rt -flas
=4
rite scooter has been closed, yak c
the amotrs of dw dater wi bs eddad.b Vern euan,
e fir paynlem It tlan e
rd you we b N
nee rwmewaP fee for Vote, aooaaut, dw fee vlA condos
oph =.d=at m sir emd IW Wv, w=
rd, 1??it.Ne.}a?Iw hear Paid N fur sot daAed +bo?e.
7. u Inccoon with any dhYenht 11anbi,a he
8. tlri.a Ali" 91.6 .a flak Oe,srakn. When you
prevlda a clack N Pawned, Vat eWntiza ,s alder b
tar it*.,.*. r- yolk trek e, male . enlikrw
.r JrrwW,• a.M -.I- from -hulk -o" or to
,
t kilt oixp Mlrer drkpr, even If may wry qu-WY rot may .sae.as w awe. w.-
rYw aalrlu Mudd m der from of on Ow stated Ndoas, as foul N The WAN SWn
the fled staamem closing date, but dd Joan* plea tie mndn aOVfoWY dadusd to You
to east day of yore
nvtwr mreh. unpaid rnlrtd drryse These dwgas Was b w at
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tm - and RCENt'AIiE AA
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if you cancel your .mans. Dutkq We Psded, You may
your scooted Wit mti haWq to pay der
:=t=
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taTo urwel Ynr anxwrn, You mtst
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. Thy div.. u ow sspsen darn balance
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Vau mum dsuoy yea rasdt cantle) not
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hown an you proviws statrtrt N hI (or .
p
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enu was zits a • asdt earl), new
del and tress u.Yp yon aeeoun. If you da rot undid
we wA sadder
rowMaized baWt11 anenrsnwMa
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nd?ply your avar.pe dilly boleros by the lnm-do=Z:, waho fled, franc. chastise, past
due fees, ..ttamd pe"en" teas, cash
be rd by sir nuMr of days 1. the biRq
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of
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tltsy appasppas
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procor dw Paymo"
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tr Ydomwtlm hem dw0k s male m v
hsri
fur trattsfe, futda may be widtdrawvn firm vow a tawc
own as sir atone day ws Mail- y011f
alxaet as,
paywtI td yod vre ro t tam., vas d c k leak fran
yore, Mtelndal krdb4on.
BILLJNO RIGHTS SUMMARY
(N Gee Of Eron Or Ousetyns Abort Your ere)
11 yw think ypu sort y vhwlr. a 6 Yalu need more
A* to - on
api sect host ash padtl. • use addreaa tar
Nquldaa alwwn m the fipm of his stsrwa. We mot
hue, free your no late *an 80 ddMay. law
ppas we std Yu der
trot Nr n wNdt tr tenor n red You urn
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ppnnarerrvvaa Yalu ddd. In your star, ohs u de bne,wfiq
InlamWac y- rums end ="d.= tw dear
amout of dw wapeaed - of tier etor
rd n a*.F*dn, if party, , at Ww Ya+bdava them h
n stn; or if You need map Nblrnadon. a dasddpdm of
the hem You an rrr. eban. You d rim Nw to pay any
amotn N w"ws am k:exdgedla It, tan ym
sot still pW11ewd 1p .y >ih Dms I ymr ObIIINI amt erne not
tapbn .
coax vas
amour You dangler" of
Yau asquadm• ate any .awn to
4,-r Special RU0 For l.rsd Calif Purdlasea
Ii you how a prahlsn with tw phWy of property a
sanlus de, you wM a carat "ad and you
hoe tried N fish b tollan to ptohlrs Wilt "
rneadud, you may have de, ripe not to y do tem inning
asnount cis pYm ?e prpetty a as?rNd.. Va how
tH. s own thn art p
(60.00 rd the pudwastfr was your lama star a
wtin 100 mint of your markq adtsaA of vs ovn or
operate de, mends, or If was muted you der
tr property a .savieaa,chism d PlA'tlwas
aduerdaemam for
aro eownd roaudoae of eman a s of dpo -.)
Ruse rometnber to iqn all oerroepr-Wr
t Does not Apply to owamae r aoocradl -d seceat.
t Does r.# Apply to bminase ewr0r cud accounts
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N der rtclawA rstrittelcs awriop. anti t2) Y'>w Dsl+nam y realwd N our moaakno umsr Ay 3 P.m. Ef (12 noon Pn. Pkws allow at ken five, (6) btakhw days for postal dMvery
swat Let
Paymsms raoeivad by u at cry ocaNpasr locatan ot Ipnrscpsryielaateyra furor" wmwWa?tlokN7itasneynoduuA as of tr vw nealw trm. O r bualrras dM are MortdaY rinuyt S.tkads ,:xk drq bekd.Y+.
eixaan kr Mr?r R tlduck , aktda Iz-atkrl aPpM toes dreb naiad dueling the baarq c?Yd stathisize to waft a even If @am rby somata sM 11 m cannot propose tts t yw autlrdze
u to male a clrtge against your bwi account using the dm* a papa draft a other hem.
If
Customer Code: 2229263
AN OFFER ESPECIALLY FOR PREFERRED CAPITAL ONE• CUSTOMERS
what's in your wallets
KATIE BURD,
201283
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Dear KATIE BURD, Page 2 of 2
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AFFORDABLE HUI
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If you are a 54 year old woman in good
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Thew figure are emaples and do not necessuily represent actual rates.
Sample razes underwritten by American General Life Insurance Company and are for illustrative
purposes only. Based on California resident, Prefierred Plus ruing, no nicotine use (including use of
all nicotine products and substitution). Premiums paid monthly and include a $60 annual fee.
Races are higher for other underwriting classifications. Product offering and rates subject to state
availability and issue limitations. ReliaQuote, Inc is a licensed insurance agency, Will Jerre licensed
agent Will Jerm1ReliaQuote CA Lusnse # OC16621/OC73899, MN license
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6MM
m 2004 Capital One Services, Inc., Capital One is a federally registered service n u& Any trademarks
mentioned herein are solely owned by the respective entity. All rights reserved Reliaquote is solely
responsible for this offer, and is not affiliated with Capital One. Capital One does not provide,
endorse or guarantee and is not affiliated with any product or service shown hero By responding to
this offer, you may be communicating information about yourself to the company that provides this
product - for example, that you are a Capital One customer.
This insurance product is not a deposit or other obligation of or guaranteed by the bank and is not
insured by the FDIC or any other agency of the United States.
Insurance products are not Capital One products and are not offered by Capital One or by any of
its affiliates, except where applicable by Capital One Insurance Agency. Specific features and options
may vary and may not be available in all states. Your decision to purchase insurance and your
choice of an insurer or agent will have no effect on your eligibility for any Capital One product
or services.
591100
You can't help but feel special when you slip
on this elegant Sterling Silver ring, glowing with
diamond-like CZ stones. So lustrous and sparkly
it feels like a splurge ...but its FREE"
YouRs FREE'!
PRECIOUS STERLING SILVER
13 BRILLIANT Gumo ZIRGONIA STONES
• NEARLY 3 GARATS TOTAL
Act now! To get your FREE ring,
SEE OTHER SIDE FOR DETAILS
rs pay is $3.99 shipping >.d hmadng ptm appklbk tales wheo ym accept Tour 1110
Reding %lycr bAnily Ring and the oppom sky to V vkw other msaddng Pe LS3F
Account S
Previous Balance $625.78
Payments, Credits and Adjustments $50.00
Transactions $7.00
Finance Charges $12.74
New Balance $595.52
Minimum Amount Due $17.00
Payment Dm Date November 23, 2004
Total Credit Line $800
Total Available Credit $204.48
Credit Line for Cash $800
Available Credit for Cash $204.48
At your service
To tall Castomer Rdatiom or to teport alost -t" card:
1-800-903-3637
Send payments to: Send ingrice to:
Attn: Rernitmnoe Proowing
Capnl One Senaeo Capitl One Senior
P. . Bca 85147 P.O. Boa 850]5
RicMoond, VA 21276 Rkhmoad, VA 23285-5015
Important Account Information
Want to make a difference this November? VOTE' Your vote
is impartany so get out then on November 2. Only you can
make sure your voke is heard. Every vote conntsl
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
SEP 24 - OCT 23, 2004
Page 1 of 1
Payments Credits and Adjustments
1 o4 OCT PAYMENT RECEIVED- THANK YOU $50.00-
Transactions
2 o9 OCT MUTRESERVATIONREWARDS 800-7327031 CT $7.00
As a valued Capital One customer, you are eligible to receive a free Year-End Summary that reaps
your 2004 charges. Please all 1-877-794-4487 before December 12, 2004, to reserve your copy. All
orders will be processed between January 1S and February 28, 2005. As long as this benefit is
available for your account, you must all in each year in order to receive aYea,End Summary. You
will be notified in your statement on how to opt in for your Year-End Summary.
Finance Charges Pkaeta revere tidefar imporlaat information
nde
Bdaaet Pend. ` WE
.prleJ
e,
dP
m PURCHASES $60218 .07052%P 25.74% $1274
CASH $.00 .07052%P 25.74% $.0o
ANNUAL PERCENTAGE RATE applied this period 25.74%
PLEASE RETURN PORT'ON BELOW WITH PAYMENT
0000000 0 5178052138634189 23 0595520050000017008
New Balance $595.52
Minimum Amount Due $17.00
Payment Due Date November 23, 2004
Total enclosed $
AceountNumber. 5178-0521-3863-4189
steer Apt 4
City S.. ZIP
Home Phone _ Altaaw Phone
•
Em.9 Addt-
#9029894670697246# MAIL ID NUMBER
Capital One Bank KATIE BURR
PO. Box 85147 Illunrllntltllulnl 1198 SHOREHAM RD
R . ichmond, VA 23276 a CAMP HILL PA 17011-6135
III III It llutltill slrll till tllutllumtllrlulintllrtltl a IrrrllLtrllLntttllrrtlhlLtnrrlhtlLJtLhLJtdththl
Pkwe writeyav acmoml nsmba on yroacbak or mosey order madapayable to C#ad One B=h and moil in the endwed envelofe.
Pkawprid s. r-W Ak-. dl- rwaJeA.Z.Jd--VNmaruak in.E
r
MAKE ANY TIME PEEL eJUST A LITTLE P'IORE Z5PEUTAL
THE STERLING SILVER CUBIC ZIRCONIA RING
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?VAC Pease9rrc1rn9htuajewety and rush memySteRrlpSbarMoirRkgInMsize hdwlad.Itillbe biledonly$3991:r8 Ygand ditp?sapppcablerazes.
ILJ aM9YCdwgewpagaar on ?One'peQt card Mratedbedw.tlyouwish to paywith a dlNreM aadtcarct plamcall-BUD??91-2992.Therinpwhedat $39.99
's milebkyeaeepp wYtnutab5yatioll. /?apWq Mis rYq aubmelca9y erYOla me to prevbw upmnlirgiaie in the Staring A?arrards CoNsctbn. 9l wish to examha fuNra jewWy
h tie caleUiorL I vri tb rnbiip. East rewpiece w/ bs eulonmice6y alt pedme about every fwe fo seven Far eYery Aarn I deride Oo ImeP, 539.99 pk®ia99 etippYg rots ?yl?rq
plus epplcada taxes wA M Marred b asst aril. t I nth not bray mAtt try tarn I reariw, ! mry realm it Ica a ?tssppl1a?aar a asst reboil, icM+dsq ahlpphp slid ton ? ynd6 . el
do not wish b rdindrr artyd Sts Iss'eaY. I may akr?gy rekurb tla Customer Sarylce Card that ttrzzrrpatthss earn tilprnerl?tvlthh the 10 1 never naYe am abfi9alm
b buy anv9?rlp h tee ktrra 7hr? kd6iy qrq k mFw b kaep•-whalhar a not 1 dedda t0 s?mmYq ihs addNaatl pkac h the aiwtlonm Fldatedw?,lewekrs?'s eddy respats6le
tar rids star -and k mat dWbd wAh One. ?sply One dces real endaae a quarardBe arYi k na alliamd wWt arty product a service dbtm hale. Nry Vadertmke rtaltloned
harsh are solely owned by the antsy. M d?Aa reserved. to cis oflr, you may bit oonYnuria9rq Mamaeon mad yousel b ale campam tllal provided MRe
product-la ezenpla, that you arc a CepYel One cuatanx.0 2W4 ?Servic?. Inc. Cepiml One b e IedNay repetemd aervia merit dip right reserved
RadmTsbleexciushrelyby: KATIE SURD, 1198 SHOREHAM RD, CAMP HILL PA 17011-6135 Rbg Size
Accoua No: 5178052138634189 Ezp. Date: To use a *WW mck card plain call 1-90D-M,2882.
Cerdtobu signature: (valid only with full spnaaxe) I authorize capital One to torward this coupon on my behsY to me company that provides this product
trove ro omaams raxar+e s?ryo bvrnhmd?:.a.rgw„o,o.,e.ps.dv?a,•,•?dv?e.ndrM. s,wrd u.v.,.o?.. rag * 5 6 7 6 91011
uJvy!Gaaarwm.i..m ails mma?alq PVRSdwh end sr'f'1Aeevmbanmaeo,ad:rear.im:u. tfpyn,sde yehr,.eatw,trg mderdx mom ib rolraaa Yia sham
Irpv. LdY1 tlop wdhy4m 6IIlm S hehahay ll.(r'tm dyne emiuk.J
ENCLOSE THIS CEFZrFWaJE IN YOUR GAP[TAL ONE CREDLI' CARD REM7ITANCE ENVELOPE LS3B
a.
EMISSIONS!
EWE-
tee
a?
8
o I
N N
t a. 9ase Period. You wit hew a Duman grass period of
25 days, vAthom fares W!ps, on row putlhres, row
balance barhdas, row aperyer Dudrs,ea and raw abler
a acadantHu in
s`hh rp«unm ti r PPaymaks bb.,
and In these for It m be cadited by yam rra aurmtenmt
i palms. tar d is add Uoq no - cash
ad speWl In ¢aes
on try tramactlon H you do rot pay the mad 'New
b. Aaamiy Fist. Oraga. Trwaactlar v". h are not
4r?tlrya ofdw?dr?wr Iona v 2jdt ore ?tlr rh?n dr11
trmeaclion h processed to vac Account or 3) from ft
Ors[ calendar day of the ctarerw birA period Additionally,
rf had rot pay tha 'Nave Bdrtce!mm the PnNan
-- condrese yar unpaid balance urid tlr byb paid In ?.
Tlsa nrau Uat ypu wy atla owe art- ch-, even H
you icy the arks New asides hiraud on the from of
you star asset by the ream statement daa' n dam, but rid
not der so for the ppwNrptoun snoth Unpaid Nrrce charges of V- -,mL
te. aaiinan Ftrrre Orp. F« each baling bill period that
yea scent h to a anrerbos, drrge, • nlniman
foal iilm/1 X of $0.60 will be Yrpoaad. H the
totY limbo chit hoes Oa apper?lim of
periodic ormw Is bss Mm a0 60, we wet aLers,c tlut
meora ham thus e0.60 man and the dffsrorhal wN be
bled m the padres aepnw of aaaam.
t d ;7W-- Raced. 1. iir mw Orae. Via wave the
cot arses try or as llwa a drrpea for arty givmt
2. Averye Dssy, 9sk'"m 1 New F"'he"').
I- Fires sharps $ edolatM nnldplylrrp 1M dilly
be-
baling period oowrad by" statement, we take the
11:= p balance of each sog nrre each day, add any new
trmscear m aafi aepnat, aril stWact achy
.1 crodu. IH rho apse N appsam m tlr bras of r A
sbrrrrt next b'Balaree Rau To; we bo
subtract any unpaid trashes tlrsege in the balance
of each 'Qlirraw.) This gives u the dally balance of each
Thrn1em w add np as the d.W wfa? . far each,
seaman. for Or hiakp gAod and d lead
wnba of days IM = period This gives u the
aver+ga dWy, balautce of each segmam.
3. Meat P mar s RaOr IAPft
a. The team 'Annual Peaeahrape bate' may appear as
from of tlia statamat.
APR' on the
b. If the code P (Rfuns), L 13,rno. 00014. C (Cerd9eae of
=, r or Mamod is she nkcard p? mew, o h f ormi of
rate and raneaporeft ANNUAL PH1C8l ZrMT c,
may wry quarterly and may hewers or darere based
on the stead kdcea, as Sound in The Wee Steed
-blew c Ouse the Will 10 elbeUva m do len day your
hhNnthp olwoodd b; your periodic startaromm y adnp
c. II the code D (Pith), F ( 1 yno. IJBOR) « 0 (3-mo.
UBOR Repriced MonWy) a?gs?ro m the
ham of 1'ahr
ale--art next m thbs Lrdodic nu W. t w parade mus
.umda kham ere « a: swim chase w.e 3&.W J al, plea
the rnargin proviouely disclosed m yea. Thar changes
wW be atkedve on the as dry of you Harp period
each month.
4. Assessment of l.ar.v Overaait and R.kaned Payahrm far.
you account wN be shared m m«e then two of thr can
heard ham that occur dukq any biting period Under she
mum. of you eatowr aprMead, we I.esM iM tgid to
mss Without obr mdac dm m
fw « not m -:r
you within vnivkp M to area Ih..one or dmdls r
bon N . iota time.
6.tRarsvaq Yeu Asses L H a manbses ip Im
appears on tM Iront of Ws, atelanrll, you hove 30
d
avoid ay Mom paying mgt the m Ise Uo to have es such vitas lap credited as you you
if Vooncetoil . you cancel your sor or m c Dukr9 this period, you my
eonri.r ear Your wcancel oou your your moMNnp to pay thr
nrmMrahi Ny call. To rams euo, you mud
and u calling; Bour alance" Relations e (ealrrd?the
Yaw ? MrIs the and of do ter. You can request to this
6. N Y
?
==Item" our customer Reladaa
must destroy you credit card(s) and
accaun acoess drela, camel sit prasudrdzed bNhq,
aril Dan Val iyrgam secant. It ymu do not rams
receipt of a ergs you aa6an m roopen you
accent. AddithaatY. year arsout wit not be cbnd
uta you pay at smear you owe us hdudna arty
tranaeOor you have auhmized, finance charges, pas
due uses, owtaudt fen, ratemed payment lees, cash
.dvatre fall all amy Othler fan esuual to your
account. You an repaable for these smwns Owt rte
tlsheyappnr r Wart err vraadasub quentarm to
your roger to doss the account. This my react In
rew" no tranodbn ft= the essacan .s you
acautt Mss been closed, tar eccornt vA bb ueopamr I
the armmnt of Or dr wY M adrbd to you scant,
anel `IW The " feeHwicor Yeas
account, m bit oaWchrrd, m re sxunt paMmd by bw, axe t1r
all r saints above.
secarm Your A.a hr been PYd in
7. they Y.v Aea
to card « scant carver M
ed h conaczcan with
wMo cry Ynsnrha ga^N^9
5. IMbe Alarnet Fla pay Cheek Cauvv. When you
nn a check - as, psymrm, you shoriz
-d,
o a us afther to
pro?Afir
use Itronich*M Tram yam duck to mks ks a a u-rim
dxhoNtlerfupde trader 1nm yam bast a transaction, When m
uses InIb mafdl fi?mr rat dwm m electronic
find tanrafer, au they be vAdrdrawr flan you bank
account as soon r the seem day vve receive
your
=
-ak - ad youdoaion1.0 nit race- Vat check beck fran
you nhensY Yba
BILLING RIGHTS SUMMARY
(h Case Of Emn Or Q estipr Man Yore 11111)
If you disc you 6111 b wrorp, .11
you mss more
Incasa6mn on a irenWation « W, wilts m us on a
sparem alheet ss sum as possible at the arises 1.
inq.W- aM- an 7M from of the mmenen. We mart
hear from you no bar than a0 day afar wit sac you the
rue bi on wHdh the eve « appeared. You tan
call our Customer Madam varier, hUl dolrp al Wit not
praseaw yea dgiss. In rote letter, give us, gee kNaWN
mfameYorc you nacre and aoeout memrr, the dollar
amotsm of the suspected same, a dvssheydpdm of the aoor
.W an explanation, If "' an emu or If you need mass, IM of below them n:-:Lrym rya description of Is
the hem you are urge about. Your do not haw to pay cry
amass h -Pay ." we an w-.=
ea m p th verbs ofrote e cannot
re 9hrt you ears n rte 'y your action I* question, vn the
you dill ad or cake tr acLm to cola" the question.
i,t special We For credit Card Ptrdeses
If you have a prahlan vdth the quality of property, r
aarhAOes thr you with • crest card aril you
Mw teed h with to mmnct tlbs prablam w11A thr
wadum, you my have the e4d not to pay the m-king
amount due on the property « ser%4 ss You haw the
only IM Ptrdun p1n was rmn than
s?60.00a?aimtd mfr prdwe yes made h your Maus cute or
v in 100 mass of your msssp addms. (If " own or
operate the n sedam, or If w r mewed you the
advertisement for
aro awned ropeMess of annum «bradm of padres.)
Please oanlmess m .101 as osrespo dance.
t Does not apply to ooearnar norrc & cal accounts
1 Does not apply to boshass nen+ mff Gnl -.-We
privacy psotecdpm see cur
red service mask of Capital
his reserved a 2003
01 GLBAK
coo tbssrp period, we appry err Paine rate nee esrn
sagme of yea a¢aum la tlh IWabio, ad t4
your
the mssftl of tMrayakadmiau to arrive aaat d Lip the
Man aetlr -Ivaayot tt h the totes d io6
fine, ergs for Vou accarr. To gotthr Ary balsas
f« each sspnsst of yotr accent, veo Who thr bo9lssrW
batons M cosh saOmrw sad add aarrW? myy trammed-
and oral. pamlo? trues tlrep talc land on to prodouo
days ones a:` that as{eust. We than s ixuact any
paymaO «crsdib pared ae of that day that M atacate
m Oct.sprwt This giwr tee the separate dely bsWhus
fir sash asarrhrw of you aooour. Howsw, H you pYd th
raaw Biters elrovuv on you prsraa eratanwr[ b 1u11 (o
If you raw balance wee zsn or • vadic amnwrO, haw
trrractla:==,:v d*add
Pdrr datysilks to to tfry hsancea. W
kr. mthaoedaras?d d% rerun. mT n ria* d%
tar days In to currant biht oyclo. To cdc lra your Ma
rises drrge, You average dry balance by the
dhi?ypa!bdic rata aril lha raemrbsr of drys In the ba6hp
pooh uue m mundlr g on a dbay bssh, than nhs,y fee a
tmasw of
Aght ? variaeewrdWw eeo Irestwerm ?dft WaQlatlm and"
b. I1 thr code 7 r N appocr on h Mom of IN. sta a nerm
rasa m ""rt- Lbte AypMd T*' - rmI" d-
6921 M
hancbwd ramtta ? ainvNaps ad (2) you p?nh rim veil in err proosaWq carer by 3 p.m?ETv112 rePn 41Piwyaarae allow at I«rx rfw?ts)onarkhess mau? ? ?ydsaxavcorryack
Paymwtte reNved by us r am othhar bcs,tbn r M try olrr fare lmmarymnot be a ynaduted a of dM we facrM 1MnL Our huiar sera M MollaY lhrougih SaNday, redudnt holinhy.
PNaes rip not w sWn. pear dbs,? ??ormamkr yohatOd srcb wiscMM dskq 1M biiq cyM sit usbj ronaar eia?ws earvwt process 1M tra?aiaur, you audetze
axcun for the amrast thr sack -a6m T_Paes
a b wke • drrq agetat your bars accotrrt uakrp thbe sack, a paper rah « othr Moan.
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Account S
Previous Balance 11595.52
Payments, Credits and Adjustments 11.00
Transactions $36.00
Finance Charges $13.23
New Balance $644.75
Minimum Amount Due moo
Payment Due Date December 23, 2004
PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
OCT 24 - NOV 23, 2004
Page 1 of 1
Payments, Credits and Adjustments
Your scheduled payment has not been received. Please remit the amount due appearing on this statement If
you have already made your Payment, Please accept our thanks.
Transactions
1 09 NOV W13*RESERVATIONREWARDS 800-7327031 CT
2 23 NOV PAST DUE FEE
Total Credit Lira $800
155
25 As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps
our 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. All
.
Total Available Credit $
dit Line for Cash $900
C y
orders will be processed between jamury 15 and February 28, 2005. As long as this benefit is
re
Available Credit for Cash $155.25 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 Yea-End Summary.
At your service You•were assessed a past due fee of $29.00 on 1V23/2004 because your minimwn payment was not
d
h
To mll Customer Rd ions w u report a lest w stolen arse
1-800-903-3637 t
at you
received by the due date of 11/23/2004. To avoid this fee in the future, we recommen
allow at least 7 business days for your payment to reach capital One.
Seadpayments to: Send inquirie to:
Attn: Remitsenee Prooming
Capital One Senior Capital Ose Seniors
P.O. Box 85147 P.O. Box 85015
Rid,mond, VA 23276 Ridmond, VA 23285-5015
Imvortant Account In&M111 son
We would like to take this opportunity to inform 7ou that we
mayrepart information about your account to credit bureaus
The reporting ofyour account information to credit bureaus
contributes to your overall aedit Prolik. Lau Payments,
missed payments or other defintlt s on your amount may also be
reflected in your credit report.
$7.00
29.00
Finance Chargea Pkeusree revatstidef r important infi mwarion
Bdmarwb Perieda Cenere ,- PM&
,plflrlAr rats R
PURCHASES $605.26 .07051%P 25.744A $1333
CASH S.00 .07052%P 25.74% 11.00
ANNUAL PERCENTAGE RATE applied this period 25.749%
PLEASE RETURN PORTION BELOW WITH PAYMENT
C_ 0000000 0 5178052138634189 23 0644750050000036009
New Balance $644.75
Minimum Amount Due 536.00
Payment Due Date December 23,20M
Total enclosed 11
Ammunt Number. 5178-0521-3963-4189
#9032994670697249# MAIL ID NUMBER
I Capital One Bank KATIE BURD
P.O. Box 85147 lull 11611 .1.1all.1 m "ss 1198 SHOREHAM RD
e' CAMP HILL PA 17011-6135
Richmond, VA 23276
?uldul?udallus?d?n?lusl?ud?ouu?Ydn?lna??aa?a? '1? ?ndl?ual??nuullnd?dluna??n?lulala?a?ulula?u?al;
Plems-teyoar armant >aumha an yosv ,he l w money order madepayable to Capital One Bank and mail -the endojedemxlofie
PGaxpriat areifisr liar aaY e-nseildeager kbmw:ajHw erHanE ink
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Home Pb- Aaemsu Phase
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0 2005 Captal One Services, Inc. Capital One is a federally registered service mark Al 4aa reserved.
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R you wish to use a different txedt card. for quostbns or to cancel. call 14800-E82.6310. While anjoyi g your sebcfbns and annually thereatOx. youl receive a Unle" you Call to cancel, your
of lissues. Allow four
.weeks for daMary. R a We bbamnws = ursevakeble, k will be repbced with one of eqw? groator values. Caraol anyt me and rescelveeer a refund for unsaved Its, rate shown on the nodes for ft nod Issues. Vakd credit and regrdred When you maim a saleatlon, you betwme our valued customer. 02004 NswSub Magazine Services L.LC (NMS), Four High Ridge
park. SteMord. CT 08905 b the vendor and reserves She right le WM orders. 0 2004 Caplan One Services. Inc. Capital One Is a fedsraky ragbtered service mark
AN rights reaerved Any tradarerks nwilo led herein are solely owned by to respective aroky. AN rghb reeatved Newsub Magazine Services L.LC Is solely
sh are
hoowon here. By responding this oW you may oomrnunica9n9 in/arretlon about yourseld to the company tlletaprovkhm this product for oaxampie, that you
a Canal One cuatonsr.
to rlasaa Pafod. You will haw i m6arman or- pedd of
25 days without finance drge new gsrdwee, eew
balnos tray. row aparJar puon -rch= ad row odw
Gorges If you W you sal 'New Balance', b
aaortbrhca wish the bpamnt Nrirt for payments babe.
ebdiip thrie for it le be I by Vots' 11101 statement
dam. Tham no grace Miles on, cash eMarm
and spedal vwob . In addition, wars b no, pace period
on sty tranoactlan If you do not pay the tam 'New
b. ab)sct bto a pane poreod sm aasered renew dugs 1)
from de dab M the uarrsdorn or 2) tram 0. dab the
wircdon In procard to your Account «3) from the
first Callender day of to arrant bl" osrlod• Adddaray,
m you did not pay the 'Now Balms from err peNws
WMhg period h Ball, fishes doges MOM to Carus m
tar ufpsld bedones tart the repaid bderoa Is paid in hall.
TTb mere to you - to owes finance chs9W awn If
you pub the rain New BaWae adrated on the hens of
you statement by do neon aaarend tloainp chats, but did
not do ee for the previous mondn. Unpaid fiemre tlerpaa
re added m de appMaW 1 ssprwt or yor Accoet.
t c. Miinaw t3nrhee Clrga• FoLaadu bltnq Padd.. w....
6A Fea4NCE CH430EElotff $0.60 will bbeepiarp- I If the
perfode rate(s) b le- drum AD. 00, we v+i abuact that
anent from the $0.50 nrhN.- and the diff- vAl be
bleed to the puler sgrwt of naxxsnt.
t d. Tewperay Redualan in Flmaes olerga• We reams the
ddia bponottdarer any or all lktaos doges for arty Vern
2. A Wvaags`V Daay aYawe le". yNw Red esel.
a. Nrnsroe dotpe b 1. dud by muadplykg ft dally
_
bdrwe of afth ere- of you account cash
pimiwrly diidosedle you: At the ad of each day
the bOm osdt, wo apply tle S :Ad. mm for
aegrat of yar a®hn t t ObM?ygWrhrs or each
the and do we add at
the rerWTddove daily alkalc ldkns to arrive at W
finsnao m osc h ssag t e at V. total
psdodcl?
twin fro
liars carpe for your somata. To gee tie dal lyy bsl w
for sec h rgnwd of Vo r awaet, we coke tie beomnaV
balance for swan regnant and addarny new traraetiar
and artylprenhubde dnanes d .W talNatad on the
than
pwrw/ less
peat W w credits Watd as of Cast day dot aria slonted
to that W rd. This gwa - to separate dolly balance
for each aeghhrd of your aawtnt lrontsver, k you geld do
New Bolros slw+vh on you Pneheaha statstwt b fit («
If you rrw blows was zero or • credit amhoutl, hew
purcrr sgrMSamdrnAott to air dolly beers. W.
the am
balamw tagatw sal afvf3q?dn slbitmsby the na111- Of
de days in the current blin0 gfda• To tatm6es War total
tbnancs daP, n ddply you aver.. dub bailor nea by t e
h rmm?t a
mWree
hedrmtnp bdanoe of eeagehdatlssegment seer day, adpoa?MYMndo?w arW subtract
or cue tat rtes the 'Berl Li Reia AoputptMhed halm Of 1He
state to subtract arty, tetpaid Ina rce ch.:1 iced b the bdanca
of eadt saTh?retnatt 1 This gvee - to daily balance of each
eNde atry L nm d each
d'ta gne Wikng add pdaPldaB.w the
= of days In the NMnp perod This glen u the
.-reps ddy bd- of e.h aWro nt.
3. AnF al ?aoa4ge Rsaes IAPRL.
a. The tam 'Annual pe-mr.ge Rats' may appear as
APR' on the from of this statenam.
It. It the Cods P Iaime), L (3-ms. LIBOR), C (Cordicate of the from of
this ssnianert n to de pedocic M*W the osdoAe
rate and conespo dng ANNUAL PERCENTAGE MTES
may wry Wamay amv mray rrr+w.s ,,, -- -
an the stated ideas, as foul at TM Wall Stree1
Jo
Th. doa(dPluss the mar¢n r NkWy Ascbsed to you
oedod ooveod b;wpedoufc uatmark?wnt e your
bilfire
LIBOR Rapdcd Monday) appeam on the incur or you
surtanant raw to the pad rate(s1 de wst-
and ros«drto ANNUAL PERCENTAGE V74-my
vks
aridoa as found In M W&N S&OW~ Ya aa
ss chsrnpee
the ==4
VA inn daY of yea hillang period
eatfl manM.
4. Asarsnwt of Lab. Owemit was Ras-as Payment Far.
you aecaan w1) be seamed rw nom than two of to hew
pant lam that Door during any bl&V Wdea Under the
tams of you ostama r agree-m, we reserve the dot to
wdw or Ml to aaeer wry fees v d mt t« notification to
Wthuun walvkV our right to assess the same or dmllar
at ¦ later lkne.
6. ear Aoosut. Of a rrvembersNp
you fee
appears r a the tract of this tar ort, yo
d was u haw 30
day Lpm to d the date dies s how mo was reel to You to
avoid you paWa taw or to to hew such tea e ciodnyo to you
If Va
if t cared your aaornl. During two Walt, you may
cadnue t oere Your aoewad tat Acct without to pay tie
notify by feel To cancal ymu weanned, you mat
red psss yba r? our Cu Balance' in fu ll?farchddm
mmMeraHp feel prior to the and of the tNny-day period.
8. R You Clew You Aosouid. Yw can t,quest to dose
yywaxr aaoua by Collins; our C-lomer Rdad-
DaWrlment. You coca destroy your molt -rd(s) od
account access checks, nnnl all preatdeAzd Mabg,
ad esass uWq Your aecount. If you do rot caned
preehroedz hlWq emrgrnahn• we wM arWder
rxapt of a charge your rrthodzadonn to bdo.ocotnt. Add imWy, you accouri will not
uml you pay d amounts you owe us Ind edNq: any
transactions you how o tdmtzed, finance charges, ben
due joss, owpaM fors, oft med payment fees, cash
ad-nee fees and any odw fees assessed to your
sornud. you am responewe for dwss amounts yahether
toy appsr on ycur account a tha tree You request to
doss the acemrn « they et, incurred wb..9,an to
you neghest mdse the &.Carm. Tubs may malt in
dwees appearing m your amount after you haw
your earned d it has already been dosed For oee pbr
if you aulnrad a PAChoss tram a merdra t and we
mrdive the trr..dm from the merchant after your
ratpaod,
accost he. been dosed, ymr warner ova It.
the amour of tits ldnuga will te added m your arrnrant,
there is a
and Wyouu w?ry? be mapaWWs for pryntam. If
maneeranp fee for your atxard, air fee will arainre
m ha drmad. m the e?aaM pemitfed by bW twat the
atraut balares l.=g*
been Dab In Ad . cleaned above.
7. ='=4:=Y-* ur card « acaunt cannot be
ltncemnet grrnbap
any
a. N d. Abort Beauoae Clhook Cenvaralan. Wham you
provide a duck - payment, you eud-d- - dtlw OF
use bforrmndorn from yar dock to melts a erne-1Mn
alKOWk !tad uarbr from you brdk aomut or to
grocer the peyhnent ail a dock transaction. Who we
tae inmmytlm from your c hook to make an electrrFlc
find trasfw, fads nay be widxlrw n from your bank
amount se awn se the same day ors recaiw your
receive ye r deck back from
BILl1N0 Rkk*rTS SUMMARY
!kit Case Of Enema 0, Gueabee About You 9111)
If you think your bat is vamp, « if you red oars
inimmadan - a d-c1lon OF lea, walla te- on a
separate shet as lawn sat posffile at the address f«
inngd,jag down on the from of this sweetens. We must
we won you
w
leer hen Yet nor later then 110 dsya eer the
ire W'l,on wbkh the error « ,eppoered. you nun
all out Cusaw Rd"" number, but ding so WI not
pprroesseerrvvee your dghW In yo« loner, glw ue the ld""Fbg
nnf«madoro your rase a W ao own riume- the dollar
.moan of tie sap-red error, a deaedpdan of the tmor
and an atoarstbn, it posabre, of wAV you believe them is
w anor• «If you need not, inbn o do a description of
de ham Vm at, uwure about. You do not low to pay sty
e-u nt in question wtd. we am Wvaafosaq k, but YOU
are tl obapated to pay threw pons of yaur_ bIf that am rot
In queadon. Wtils we k-".. you an, we Csaot
,,on you as dlerngUan OF larks arty action to cdke the
amour you queodmn.
x,t Special Rude For Credt Card PurcMSSa
if you have a problem with the Wa111Y of PrOI)MY OF
aanieea dal yea wi1d1 • treat card and you
haw tdo b 4Nn to artect the prolaro with stns
merchant, you may how the Flom not to pay No nrmalllbp
.moot due on the p
nder t or sopertY or aeries. You Mw tiia
pmtaetlttn nay wlar ploe vas he- Nan
460.00 ad the f ors mach Irene state «
eoc of your ymr swing a to1 own of
widen 100 m o
der
Cperae the meRJwN, « it ova shrilled illed you Of
she
id-doanerd f« der property «asrMOa, A pachaeae
aro covered mWdsss of smart «beedm of Durdnase.)
Renee remember to sign ere --padaas.
t Does errr apply to owawmar not-0 ewd accosts
x Does roe appy to bkndmas --.w -d -www
privacy protection: wee our
fed service mark of C 40W
but marred a 2003
OILOLBAK
b. It tip Dods M c N a(gsas an fa mans of ten alltement
rust m'Baranrs Rae App11ed To_we o"dtlpl?'M ?...
7079M
antParcord twat..: Payrsrm you MIN m u will be G16411011 to `pou account as of alts bsktes day wo twelve IL pwAded 11) you sod is b«tann potion of title stateroom and year dock
mpeived b ou psooswyq Crtr by 3 P.M. ET 11 noon PT). Please allow in boa Ow (5) btsiesa days for postal dslherv
b tree rtcbsd nnattarwe Wvdgw and (2) Your payanet? Is
Paytnarxe received by us at any Canes location or In arty o w from mry ter b cmd[t as of tM dsv ors modva tMm. Out budnsea drys am Malay trough Sa?uday?. ax hurling holidays.
PNas tb rot taw staple WPat dips au. wlnan papa you W ant. Wlan Iota send us a dadkW yw auAtdze u to mob a eta-tms electronic transfer debit term your be*
aceohsa for fs ammad o(1M cock Thb audwdzads appis m a cMeka recdwd "ITV Nil MMq cycle own if am by someone abe. If we Cannot Ptassa 1M trerstsr• you audnorua
usm make • charge agdst you barac aooourt hslnp tie deck a paper bait « othar ham.
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PLATINUM MASTERCARD ACCOUNT
5178-0521-3863-4189
NOV 24 - DEC 23, 2004
Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance (644.75 1 06 DEC PAYMENT RECEIVED - THANK YOU $50.00-
Paymxnta Credits anil Adjucuments $50.00
Trattsacrious $27929 Transactions
Finance charges $14.63
2 o9 DEC WLI'RESERVATIONREWARDS 800-7327031 CT $7.00
New Balance $888.67 3 11 DEC WEIS MARKETS #125 SSHD CAMP HILL PA 34.16
Minimum Amount Due $88.67 4 14 DEC WINE & SPIRITS 2210 HARRISBURG PA 23.94
Payment Due Date January 22, 2005 5 15 DEC MONMOBILI8 09655812 LEMOYNE PA 29.02
Total Credit Line $800 6 18 DEC STAPLES #827 HARRISBURG PA 156.17
Total Available Credit $.00 7 20 DEC OVERLIMIT FEE 29.00
Credit Lim for Cash $800
Avalabk Credit for Cash $.00
Atyoursetvioe
To c.U C..Wma Rd.6-e m to report slat-eaol- oral:
I-800-903-3637
s-dpaymentau smd;n?ft
Attd Rmiimom Promeia8
Ca
Saniaa c4od one ss im
2
1
;
P. 147 P.O. Baa 85015
Ri6mon4VA21776 RkhaorA VA 2=-501S
Impw=t Awmw Information
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cap" One Bowi and we which mascot is crowned the
Capital One National Mascot of the Yea:
Finance Charges Pkareree revffjeakfir imfsdant infirmat;as
B.LaanW A,;e&
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PURCHASES $691.48 .07052%P
CASH $.00 .OM2%P 25.74%
25.7406 $14.63
800
ANNUAL PERCENTAGE RATE applied this period 25.74%
PLEASE RETURN PORTION BELOW WITH PAYMENT
C- 0000000 0 5178052138634189 23 0888670050000088671
P4mpnar.u;rmrali aerYir. -d AM.k1--1Harrklek rack
New Balance (888.67
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Total enclosed $ H- Ph- Ah-WPb-
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!?! #9035994670697246# MAIL ID NUMBER
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e. Grave Prlod. You wl ]%a a atkinnn grace period of
2S days witlnu Iknnra' dweps m row pualwask new
alwms tlmksW aynem, WGCW Durdrses and row Oct-
charges mswMh theme -? odcs N?o-, In UXA
for psystents below,
ad l tints for It W be ersdNd by yar eraosnerht
c. I - airs. Them te no gwass period m e.h a&-
and special trawler. In . I I I dw , M ne Vro pemld
on aM' tTnmcdon if yea do not pay des total 'raw
b. Aarai g; Fit- Ctapa. Tranadl«n wHch am not
Aamwtlr des e1?Ur tr?arractlon?fmm 11r d?tlxl )
tlrravalrt is pmoramd to your Accout «3) from the
AddtlatNy,
lint wlrtdav day of to carert bleep pentad.
If yeu dud net pry the 'ties Bade--- mw fron"
b-rhp paid let 1u•, fbwwe riwpss cord a m acwas o,
yar unpaid bdrra watt to unpaid bdrwe Is paid In U.
Thh nwena dtet you may alt ewe fl n-" tlwpas, awn t
yea PW this wars thew Barra btdnud m the fiam of
alas. but dud
yar
not m so st hr wf%wr [ W des mead ataertnrw d_t1trtes dtsrges
the pmvioua mmnorhat. Updd IY
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tc. Wrd.- Fkrrreagscc . For eadt baking period test
tetal fila4NCEMaAwOaEJorff 60 61). w0 apoatncparUmon . If he
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atnom from the 4460 rah Wu ofd ate df(fdwwe v id he
bled to to pwdra wepnw? of lawsw.
td Tsaprryr Rsinaifrt In a= of We raamy the
rises to not area any «d fiwra dwgw for ay gives,
2. Avaagshg= laiawe fit"Iiy NaW Pudrsal.
a. Rrnrwe dwmge N Waeatat W trwitlplWtg who da9Y
hairo of said= reawt of wu aomuw la.a. cash
rate
for each aelttsm of ywr agstn, w wive the bapkaitp wactione b?airhw (p«eriaeedidch egttaawdf ard i-mid radewd the pralar on,
days bairws for dust sepnrt. We them wisest rty
peynwas a watts pasted r of der day tint a etorar
w des rgrwt This glove - des ssperew deny blocs
for each sgPtnrw of Your account. eluwave, It you t
=,== m yes Prevbhdatawt lo tar
r a hviidh dch poi a zoce we yes «. ands purcimess snows special
o th e y bdw
pumclm raw
twes, s ssprnrta a not wild d to te the duly "----- W
cWculsoe the average
baWroa Wgst w dMdrtg?arm addi tii nniavrof
the hays a the cater[ bOWeVdo. To calculate ywr tote
Arrwe tlterge, ywr averages may IWmce by the
day- pentode raw and t o Mather of drys In the babg
Paid. Ohs te roudrp on a daily bait, two rney he
.tat vamWto bsttteon W. tollwlatlon rd the amww of
Iktsrws amhaay asstrsd
or credo. 01 the Code N pps?n on ihe tmarw «A
slatemeM reed to'BYence Bets Applied To,' we
sttarm any unpaid finwre change Wcoded in air
of each sepn«n.) Tits gives w the diy bNarws
?ab M ? pup .11 A daily belrwee f it. rot
wtba day l air blippsdod TNa avee a
a. The term 'AnaW Pemsmage Rate* may a peat as
APR' - due ham of lies statement.
b. If the code P Orin), L 0-iM. 115011), C (CstlAcas of
Deposit), a S Mwirad Pew to) appear on the harm of
aril saderear t miss b the pe"dic nteW, tits Dweode
rata and q AtMULL PDi(8RA0 RATES
may wry 9uad may Ycmase «dewaao bead
m to surd iMoa, as food N TM Wier S&W
Jmwwg pkte to maadn peNwidy dsckad to you
These U?er?pa? wl he sfbetlvs on to Aram day of ywr
= Y. yy ?.9
c. If the code D fPv1-),F(1--. Ut1011) a 0 (3-nw.
115011 Repriced MwtWy) apps?n m the tram of yes
wtanttama nsm te 1)r pstode uuW tlr pw6de to
Z oansporthiw AWuAL PHICENffM1E RATF9 may
wrv rmrrddy anndd rosy khcrere or daeteaa basal m des
sated Ntdtva, st iaatd In TM WAr %: umteb Plea
fie mwgin ptevioualy dadaed to you dtwtges
wll he eifacdw on tlts and day of yaw bi q period
4. Aasrrrwt of Labs, Owrtrnt ad Retantad Payswt I -
Yw scooter We be awsssd no mere am two of the fees
gsta hen Ow aCoas during arty bating period. Under des
amts of yu -umsr agaram, we reserve the 4CM to
wdve or not to arm any fees Wilms prior nadaradon to
vdd.x vv tvkv w right to aesm des sums or solar
at . te,« time.
6. rw Assam If
-mimmitip t f-
d
app"m a on y. f mint from of tie dawt, 1 have 30
day from to der tl statement vest mdsd to you te
awn paying the tea a to lo Irtr stmdt fm credited te yea
11 you wncd yeas aooout Matto die period, you may
certkats to use Your accom vAdma having to pay the
membealhip noti calling o w ow, Qrsayotar mor RW ?tlo s DDeparrtswd
and pay New Bdarwa' M full krdudrtg to
mrrtbatasp tee) plots to the and of mks tHrty-day period.
S. N Ya Cles Yeu Aeeast. You ran repast to do.s
yyooutsr aaour by w-ta w Ctanaraer Rdatar
oaparumara. You nnrar dsamy yes cm & wit(s) and
aaant sewn drab, eatod w preaulydzed blip,
ed ear you aeeatan. If yes do not cancel
mstMof • charge yeaartanpstAhesizarti anate,r on to
uwp wit raWdr
w acco ire v reapm yar
air
gamut. .
al ally, yd acatat wp not be lord
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you pay sy h
amoteft ow ateau yea etw h MwNcharges, usuactIons o
masu d, Amwnea pad
can to" era, , o edihew dl era, roomed poymurt fod era, , cash
aim hns m and eery other fns assessed yes
aceotart. You an responsible for arN amrtaw tta wer,ltel
try appar m yes emwrt a air fleas yyoouu repeat te
rim air ac d air they a catat. Tit sit a. THs m may y r an m
rots Meuest to te dm the atxesait M
yar aoruu t it it has simady been d-d. Far a anpla,
if you rdnrized a pudrr flan • merthrt and we
nodes des trw esion from the madtrw after your
asart itaa been eiostd, Your acataht . he roPaod.
tea amouw of the dirge wM be added w yes amwaw,
and yyoouu wit be respatubte for payment. N "re Is a
I,-.--- face for year aoeant, du fee rttl tzm,
w be dumped, te dw s?oam pafmitwel by Wv, unit the
nraut balerroa Iw been" in ad as defied W-
7 . Using Ysee AaaeutYw raid or aconnt corm he
reed a eonweslm with any teems gambit/
trwaclbrr.
a. NdNe Abwd FLeb«de Cheek Cov-mlon. When yea
tase iMomrdort Imm, year duck udwdn us N11- to
to nwlue as on tk
aMataic had u-nol r hoes yes br1L aomutt or to
promr des st • dteok trrrse6on. What we
tea bdanrdm Isom ywr drat to mats m demonic
fuel trarw1w, had. may be wNMaYwn hoes ywr bars
sawhsn r rot as, the erne day the too" yar
payman, rd rm wl rot raeeihs vw tlwek back from
you AhwtcW krdadon
BIWNO RIGHTS SUMMARY
(in Gee Of Fimm Or O radar Abws You BU)
If you *" yow bell 1. wrong, or if you need Coon
irdwmatbn m• trraeodwt a Me, -he to V on a
sep-to does a nom as possible at the add- for
, III, dowt onlfe fr«t of des staamant. We .fain
hear from yea no law thrt Bo =day after we art yes the
and nail m vdidt to aroer a problem appeared. Ym ten
call our Qrtonv r Relations rwnrber, but d kV - wl M
present- your darts. In Yon Ismr, 9hw w 1w follohrimg
ktfoanadon ywr rvmne and aeown nanbw, to dollar
antotan of the aaupecaed aro, a description of aw error
and on e plarrton, N palabre, dvNty you b.11- deem le
rt on«; or if you nwd mhos itlosnador, • description of
the hem you a tertere abut You do not hepw A. pay any
amcaft an sit oloblPp.ud to pay the peow of ywr loaf that a bLd rot
In We":c ?WNI? we knea0oate yu proton, we cases
maparl you a detrhgnat or tea sty action to cr.et the
arnwnt you rPtesdm.
i,t Spacial lkea For Credit Card Purdweas
If you hew a P.M m rah to pwtty of pmpmy or
aavlws des you vridt • eredt weed and you
hew triad ti aid. te rnrrsax fie proMern vela air
mavdtrt, you may hew t1r riot not to pay the mwsellltp
amwat ,aa co, fir pupMy a savviest. You hew this
proueta Ny tan 1M prdwe p vest mom Ma
a6o.00 ando eta ptdw.. wrimlaM Y?i row hear stns or
olden 100 mks of yea No artier. Of wte ova n or
an coveted apaches W amwat a location of p actmea.)
Rase rmw im to dgn N caratpwdwtw.
t Does not &A* to Convunar non-adR cvvd accauaa
I foes rot apply o bw.dwas A- cat eW --qds
pdyaGy protecdom as w
ed veils mark of Caphd
ha reserved a 2003
01L0LBAK
b. If live ands ;tor N appear on Its fart of
rot to 'tdr Res Applied To: we row
Ilt enclostd ? rni alto Mopmal to w We be credited to e and (2) yes paytwn Is re ? esiv?savottatt as d In w po of e?to budroiin day vve moWw It, provided p cartw by 3 p.m. Er (12 - FT). 1PIea allomW sets w a b1-9 ? Iva portion (6) b des w d postal dyotar .t k
Paymrhaa mcdwd by m an any ednar facadan or in any, oto fwm eery not (r ewdfwd r of the day we revive tom. Ow business day a MmhY 1Mwat Saudiyy, aadhdrg hogZy.
Plsaae do not hate staples pages dais, see. vRon pnp?Fir yaw q wRru you awd ur a dwids), you a idwize u to make a online alkcuork trraaf debit from yes back
accoasmt for airs amwra o? ate check Tlia attlodaatan algtes to M cteeb nodved d, V. to blkq eyde awn ii avert by someone, OW. It we carol pmcm tto taakr, ym aWtadze
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Account S
Previous Balance $888.67
Payments, Credits and Adjustments $123.39
Transactions 550.00
Finance Charges $19.69
New Balance $934.97
Minimum Amount Due 534.97
Payment Due Date February 23, 2005
Total Credit Line $900
Total Available Credit $.00
Credit Line for Cash $800
Available Credit for Cash $.00
At your service
To otB Customer Relations or to report alert or solea osrk
1-800-903-3637
Seed paysxnb to Seudh ue-to:
Alta: Rm ittance Procetsut8
capitalonesrvim Capial Ore Scrim
P.O. But 85147 P.O. 1141 8"15
Rielu-nd, VA 21276 RAmosd, VA 232115-5015
Imvortsnt 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. Lou payments,
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PLATINUM MASTERCARD ACCOUNT DEC 24, 2004 - JAN 23, 2005
5178-0525-2338-4028 Page 1 of 1
Payments, Credits and Adjustments
1 17 JAN FRAUD ADJUSTMENT - PURCHASE 57.00-
2 17 JAN FRAUD ADJUSTMENT - PURCHASE 7.00-
3 17 JAN FRAUD ADJUSTMENT - PURCHASE 7.00-
4 17 JAN FRAUD ADJUSTMENT - PURCHASE 7.00-
5 17 JAN FRAUD ADJUSTMENT - PURCHASE 7.00-
6 17 JAN FRAUD ADJUSTMENT - PURCHASE 7.00-
7 17 JAN ADJ- PURCHASE - FINANCE CHARGE 2.39-
8 17 JAN OVERLIMIT FEE CREDIT 29.00-
9 21 JAN PAYMENT RECEIVED - THANK YOU 50.00-
Transactions
10 20 JAN FRAUD ADJUSTMENT -PURCHASE $7.00
11 20 JAN FRAUD ADJUSTMENT -PURCHASE 7.00
12 20 JAN FRAUD ADJUSTMENT -PURCHASE 7.00
13 20 JAN OVERLIMIT FEE 29.00
As a valued Capital One customer we want you to know that your account number has changed. After you
activate your new card, you will need to give your new account member to those merchants with whom you
have set up automatic billing. This will ensure that the payments you have arranged will contimte to be billed
directly to your Capital One curd, saving you time and money on postage. Once again, thank you for choosing
Capital One.
Finance Charges PAwseAv rmerNrtde fff inoortamt Imfarmottom
Bd,-rAe PwiA& eta
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g
4
y di rife ,IPR
i
PURCHASES 1188132 .07189%P 26.24% $19.69
CASH 8.00 .07189%P 26.7A% S.00
ANNUAL PERCENTAGE RATE applied this period 26.24%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052523384028 23 0834970050000034979
New Balance $834.97
Minimum Amount Due $34.97
Payment Diu Date February 23, 2005
Total enclosed $
Account Number 5178-0525.2338.4028
Pfraxpruefsuitiyalara mrLereYnaJeA 6rrlebare-yN erHark ne.E
sweet Apt I
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#9002322074338333# MAIL ID NUMBER
Capital One Bank KATIE HURD
P.O. Box 85147 Itlullluultlnlttll ° 1198 SHOREHAM RD
Richmond, VA 23276 CAMP HILL PA 17011-6135
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or guarantee, and is not dill iced with, any product or service shown Are. Any Memories mentioned herein are softy
pmhed by fie respective a rift AN V b reserved. By rmpoi ding to Otis ft you may be comet nicafirg Womtatim
about yourself to the company 8tat provides this product - for example, that you are a Capital One rlsitiew..
'PeoiA Qllbw: Fsst 3 morths arc biled at $4.97 per marsh; $8.95 per month thereafter. Offer available to new
tfidiap atabxrben at legal 18 years of age and may net be redeemed with any other offer . Offer subject to change at
arty tine. phone technical support avalable for $1.95 Per mlNde.
tAcoelerNa is free for 12 months. Offer good for limited tma After the bet 12 months, the Accelerated service will
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adomalically revel to the standard PeopleK Ortfaw swvcL Offer subject
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Service not available In al rasa. Access lees, taxes, and other fees and restrictions may apply. Telephone toll charges
may applg even during trial periods. You am responsible for determining ydwtler a call to one of our access numbers wil
result ? i.n,htelephone tol charges. Access may be fntled, especially dA* tines of peek usage DW-up numbers may be
dhomed at Piai* C's dsaatan Cominuaut we subject to lmerd procedures, N use is srbjed to PeoplePC Online's
Services Agroome t and Acceptable Use Policy. 581( is the maxi ium speed of service; ackad speed nay vary.
0 2006 PsoplePC Inc. N Rights Removed. PeopiePC C*w and its logos are tra lamads of Peoplen in the U.S.
and other Carllda&
0 2008 Capital One Sevices, Inc. Capital One is a federally registered service mark N rots reserved.
minimum Mraco pedpd of
w m m W ohrldhsar. roe
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no for it to be asd ed by yar naa statement
eau. Tor b rte Wooo parted m rah advancer
ot mr plow. In addton, there M no Waee Pebd
ansadlorh if you do not pay doe tool '!low
Fawwa Chrys. Trmradiar v"c h are not
h • War paled seas toes -d tares dope I) 3. An
hte of tlr taanarctlolh r 2) cram 7M date doe a.
s wwlu?? brgortaR ablke hr prY?r b•d^W,
1w unpaid balrhr uhd the unpaid balance Is paid In att.
Thb meant that you may stn owe it-- charges, eon it
you pay the Md. Now BYrws ihdr?md on do from of
the s sussmoot do*g date,bb?
rYnt sdo so for " tatement by=w::::==
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aWum any unpaid to rnme dupe Included In the
of eadn sogmem) TNa dove r the hay balance
sognmet. Tun, we p qup .1 d dolly bailei?oee t
mnrbar M taw b tine big paalod 71is dw• r
Rata' may appear as
tarneld.
LIBOR), C lcerolrate of
e,1 amras on the food of
W ymdE
ME.
1 a O 13-mo. *ck
ami mmiraao dm AMaU,Lh5PP9iCO fA0 W789 nu7
In Fast& aoopnt ear t nr saw Dean area - assmpe,
wry madly andmay ihcrsers or hereaaa beast on the
enact Idea., r danrN H The Woe Woof J-", plus
you. Thre dwger
the margin predeWy dadoaed to
vvM be oft = m the tat dry of your tlalg period
4. Asaesarwm of lab, ovrwnt o d R-ernrd Ps/mrt Far.
Matz ham that - rkuhkg any bWq pedod Under the
tame of your orumer apasmat, M momm the Flom to
ate try ter wlllhnnm odr awrNrtlen m
whew as not Is
wdthtut wsiWnp our ? to area the erne or alnMar
n a Ira dme.
6. Yar Aeaeut. If srallp fee
appears on the dead of this startemeret, you Iwo 0
hp ban the the dew iAte tulan-rs such a eared you to
• you paying du oe r to low such be credited to you
m,y
if yea sett your account. Wih udie t paatod, you
,Kcw mlraccheNaq to prey tea
eomimw to use your &COWARI
"us by in. To unreal You Re oiler You amust rt
ononotsis
am parywyWu Calling a -New Balance- N 1 rV to
o
mantnaMp rb) p or to the end of the thirty-day Period.
a N You Cbas Your Aeoro t You can aaquest to dooe
yyeaourr tecohsht W r+rN+M our Cusromar riri.d-
Ueputnwm. you mot dlalrey yam aadt rWW ad
aarud access dada, oewal e,9 peaalwdzad Wkg,
and cttr uiMgMyroqur tceate. Iiyeado nr unM
moolpt y a/hotztlion to regc your
of
W awed
account Additionally, Mr account wit net
mil you pay all saaatb you oar w Intl udhm any
trap diow you hew athodzad, finx- cwrges, pct
due Use, am** tor, assumed psymsa ter, cash
advawe het and any other taw a ssamo d to Your
accwt You am re-pall W for these ,Balms w4w*-
toy aprwer m ya r ha00011m at the Mw you request ro
tar the account or tlwy em Ihctrued subsequent to
,=to
g m vohuft ...um. This r account after may how
MW rWwt:ad a Phrdwr from a moot om and ors
most. 1h. trrrwaalrl from titan merchant after your
accocout has been canoed. Your aoeourt wit be mopered,
Me amount of the clhrgo woe be added to your se, aaK.
and yyoouu to be maDawaala for payment. H tlwe N
m a
rrWeratnrp be for your rebut, the fee will rMare
shred, m the stunt psmamd W law, utY caw
who
accaK biros Iw bean Past h ,u r hsrwd above.
7. UeYg Yar Aemul.Yaur um or accred errs[ be
used h oavwerbn uaMh a4 al gerrbMg
8. NtWe Abort flsoevde Chook Llrrvesiwh. When you
blannateh from yyouir payment, you ro
to make a ar-d-
electronle cud treader from ~ bank secant OF to
chock prom the r • chock u waafion When we
gar hknnWr fmn yov dank m make an obatmYc
find toreador, fudr may be vAtdswn from Your bank
acuritd p aeon r the area day row "ohm yar
peynwM, ed You wi rot rerahw year dneak baulk from
your tkherhdW krdmmiat
BIWNO RIONTS SUMMARY
(h Case Of Err= Or Queadone About Your Ban)
1f vnu Mink your bid Is wang, a If you road nwre
nihmalon r e, vansacdon r IhM, wdw to u m a
agw-u Atw as soon r porltla n the address ear
hnaaidea alwwn on the trod al 1Ns sramuant. We .an
hear from You no lour than Bo hyw after ova am you the
last bid an vhdth the ear or paahlwn appearod. You Coe
call our Customer Rotation* runner, but dip r wit not
pamYou ddea. In You letter, ghw r the 4oaowigr
ail i Nona: your nme aid stxr?ht nmber, Me ddla
tmont of Ohs aaspecesd scar, a dsaalptlan of the error
and - *w .*m if possible, of vvtAryry Y•u berakw Mara b
r error a N you need moat Ndematlan, a drnipton of
tea hem you are hnsnre ahouL You do nr how to pay airy
ahnoust In gLamdon suite we, ass kawsddalkhd h, but you
ere .m ahMUUd m pay the pons of ya bl( tiwt are not
In gueaeaL-W1Ae vhe inrdrts Your quostim we, urawt
n*wd d yahrr or taus any wiah to colett the
I,1' Special ikla for Credit Can Purchases
If you have a I, obles whh the quality of prperty or
-4ose the you whh • erodt "ad and you uschosed
how tided b Lith to anew the preNsn with the
melNad, you may how the right not to pay the aenNnno
mount dussV,-=P= ann the Paapsetyor serAces. you how this
afi0.00 and -.=== sum r
vAthih 100 fell" of your lOO of matngadrksoesoeOf we oww or
apera,prro i?f we serwe", so pwd-
are cowed aaostMr of amo nt or louden of pitcher.)
Phase rrorther to sift an cmeagwdo"
t Does rot apply to oreaner non c-0 cad accounts
i Does roc apply to Alarw.tf narerza errs sec Wa
pdwcy promafr: err our
hut ?jk 200of Capital
M
OILOLBAK
bhpetem tlaNaa: Papoda you matl m w wit be or~ m your arAan r of the beiwa by vw recalw h, M ? (1) you ewd Ate brtam portion or tb maumwn and your ahsdk
ti the saxleaad ardetrw snralapa and I2) yor ===,M our aster by 3 p.m. ET 11 noon Pn. Phew allow at bar 1w 16) bnuabww tlap for pawl ddwry.
Papwrr ascaivad by us at wry other to. r nal r aaawd as .11M dhayy Wa Nodh. lomm, 6. b11+wM hya M MadrY lyaag?l ==Mb. twrhp.
Phew dD cwt taws spar Payer dhq est. wtwn prapadug pr pspoR When set r aft You aWodze u m nab a aallFibll! nhe traMe debut rat
account car tea enam o? the dwd? tI autwdzatm apples m al dweb mist dukg the big eyW evr N sem by smaaw aid. If ova Ceualeawt Pears the trawhr, you auMdze
w to make a tawpre agdme yaw bed aocam using the dodo a paper draft or other have.
' Now with
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• for the first 12 mandial-a $60 value
a 97
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?
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5995tmo. thereafter
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Mention Offer Code: PEARL
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PLATINUM MASTERCARD ACCOUNT
5178-0525-2338-4028
JAN 24 - FEB z3, 2005
Page 1 of 1
Account Summary Payments, Credita and Adjustments
Previous Balance 5834.97
Payments, Credits and Adjustme? 5.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If
Tnnsactioru $29.00 you have already made your payment, please accept our thanks.
Finance Charges $18.81
Transactions
New Balance SM.79
Minimum Amount Due 582.78 1 23 FEB PAST DUE FEE $29.00
Payment Due Date March 23, 2005
You was assessed a past due fee of $39.00 on 02/23/2005 because your minimum payment was not
Total Credit Line $800 received by the due date of 02/23/2005. To avid this fee in the future, we recommend that you
Total Available Credit $,00 allow at least 7 business days for your payment to react Capital One.
Credit Line for Cash $800
Available Credit for Cash $.00
At your service
To can Cmtoo- Rdati--to neon. • It -W. nerd:
1-800-903-3637
Smdpaymmu to Send in? u
Att.- Remains- Pro-Ing
Capital One ss"i_ Capiw oft Senior
P.O. Boa 95147 P.O. Bas 85015
Rbl,mond, VA 23276 Richmond, VA2328.5-5015
Frnanct Charges Planes raoerreri&* important
irr)6fsoatioa
t
Rd-Me Pori fa =t
,1tr?m w
lsL'
a PURCHASES f8M.03 .07119%P 26.2491 818.81
CASH S.00 .07189%P 26.2423 $.00
ANNUAL PERCENTAGE RATE applied this period 26.24%
? PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052523384028 23 0882780050000082787
New Balance 588178
Minimum Amount Due 58178
Payment Due Date Mart 23, 2005
Total enclosed $
Account Number. 5178-0525-2338-4028
PAr_'4.afauiriaraa- mrlrarrna.dAm.A'/ w.tbbr-M Em&
Sueet Apt e
My S_ ZIP
Home Phone Ahematt Phou
#9005522074338335# MAIL ID NUMBER
Capital One Bank .? KATIE BURR
P.O. Box 85147 11111111loll I IIutI 111 o 1198 SHOREHAM RD
Richmond, VA 23276 ro CAMP HILL PA 17011-6135
Ito11111111111111111'/?Iil"111'l11111111toIlull 111111111111'
PlanteunteyotvacxuWnambnan)o cdmEormanyordermadefaya LttoC#itdOneBankandserailintheenclaredeavd2fie
r
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ter. emos pars, You %A hew s miimm gram perfect of
26 dyer wdnu IYtarce drrya m row purchase.. new
bdartca banaloo row pxJei purchases and new other
errgem H you pay yam total 'Neal Bda ce', In
accordance war tlr ikWortat Notirs for payments below,
c Wp dr. Them is mt Ohm teriodw on cash advamaa
and special vrrMs. In, addition, tMm Is no 910m period
m sty tr station ff you d not pay the mad '!low
b. Aereip Roemer Char". Tnumactlar which am not iod en- mm the duaof the ra eacrrt?ctimm the da[oo one
coemaeden Is W ..med to vote, Arcata or 3) ran tie
get mladar day of the annum bin Apaiod A.ddtiatNV.
tf did not pay the "New Bela ce mmoomm tlr pnmdar full, finance charelpeat continue to socItte to
yar period In
i* balance hrN to unpaid ' ' is paid in fi/.
TNa mere dw you may so owe lkwmer chariot, overt H
VW pay the antis Now Batteries Indicated on tG that of
yar staomat by the road mesemm dowp dab, but did
rot do so for to Pam math Urpald a- d-n-
m add d o the appEohb =A= Acorn.
tc. Minimum draws tlraa• find turt
you account r wAdem to ¦ brae tints, . minimem
tool Ra?NCEdwGOFOEEioff $0.50 will +GD?knmpoostd If the
WA firrence
p111..s(d Lr ..m dirt RO 5O'tvs war eAabo»oerr
roam[ flan the 60#0 niimm and the difference Biel be
bled to the padres aaawi M. yarn awn.
Renames OrK We restive tlo
t cL Temporary Raietlah 1.
dye cap not meee any or all fl" deNse for any dvem
2. Average DNy Odra. lYwYeh/ yaw RrdrsesI.
e. Rnenim depp is WNatao W nagPtyih9 #6 daily
balance of meth aeyrhat ee Your account Wq., cast
eire ce, pastels, "new t m I., and special pudrw)
by the hat , daily PaAa6e mot,) art has been
P-A-V t yea a rfr and of mch day darYq
oe bump period, ne aPPpY floc Rnlodc ribs for sanft
ssgtmn d yar twat to d Wac+ of east
sepmert. ThM a the and of tlr pars, we add up
do mama of ores d@Wf daerr Lt)oe to maw m tddyor
=.t- drpa br sewn t. We hp the
Malt aapmwt to arrive at the opal periodic
Mace dupe for Voter aowLrL To get the rrW bdaae
we talc the ba9asam0
r?
rrr?
reassesses
trrrr?
aft
.ate
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O
(QOM eat
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Peoplen 6 •aWy respombls fortis offer, and to not dfifMed with Capital Oro. C40W One does not provide, -do-
or guarantee, and is not allilisted with, any product or esr ce shown here. Any tradanIt" mentioned heroin ere sdsy
ovaed by the respective wft N fi" na erved. By mpodrg to this tiler, You MY W ccrrara kc g Ytornatloru
about yourself to the company that Provides this Wodhwi - for Inge. e. that you i a Capital One cataract.
TwOePC Cnkhe. Fiat 3 months am Wks at ti.W per ma* $925 per month diameter. Offer avslebte to new
dial-up abeubert at lees 18 years of age and may not be redeemed with any other offer. Offer subject to clump at
any time. Raw technical support ev Mie for $1.95 per minds.
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Actual nesuk may wry . PsoOePO Orin Ascended k only oompalble with PsopWC Oruro Internet aervke and
specified Wi dowsd9 brormwo. PwplePC Online Accelerated a not compatible with Wndowm® 95 with E 5.5 SP2.
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rasdt in telephone tall charges. Access may be lmited, espedapy during tine of peek usage Di" ambers may be
shaped at PeoplePCS dtusion. Ca ftnu us use sbjacl to Sr adn proeed?as. All use is abject to PeopiePC Odme't
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ad other oou*mL
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t«nnaic aialpsH
10 each "Wriont, end tl?io code N meets subtract any on ft from of Oft
stateme t neat t 'Bdmues Rate AAppppaelesdd To: v e abo
subuact any unpaid fatroe ctargs-(ndinded r the bepace
==. ) This gives u the daily bdace of each
nmeeor th? =all= tgthe day beta ces im each
runts of dye in the This yvse r the
• dally Warm of each asgnent.
3. Annhal Rsss (APRI.
•. The tam 'Mod Percamage Bate' may appser as
APR' on to hem of rib stataesnt
h. If the code P Vde), L (3-mo. Us=, C (CenHic•le of
Deposit), or 9 Mankered Prre/ appears of the from of
Oft shtemat read to the petedle consist, the ostiodac
met and mre?p?drp ANNUAL PERCENTAGE RATES
may wry quedety and pay increase a dseww bad
on the dated IMOse, N /and I. The War SrMt
?oun•G PW the n••yt :.oudy Aedo•ed to You
Thee dwpsa vael be w on ft Seat day of you.
haelng I= oovaed by yar Mdedc statement ertdre
M 1lo monde Jewry, Apd, .h/y' and October.
a. Ii the code D M*-), F (t-n a LIBOR) or O (3ytto.
LIBOR Repriced MaehiN re on the from er you
sutatwn nam to oe uW tr padode rates
and ?q P9tCB/fAOE AATPS may
?foud dI I. TMwar d.. lumed ok:
lZC dtmgea
the main PtJadY diadosed 6 yourbipap period
wit be month. an the Watt day of You
each 4. Aeewment of lab, 0,1~ and RaOanW ==F=
oar ccout well be aseemed no more, the Mated here rhet occur dukq any belWp period Under the
tens .1 your natumre tgmamap, war raserva or dye to
wdw are to .sear any lees =&= fcallo n twithout welvktp as right to OF s IM.F
n t later tbseAa.
seut. ut. H • rntrnberMip fee
5.Yea
aPPa.re co eta lnrt of this rrsare , you hew 30
drays Imo the tide Wes statement wse maw In You to
ovoid paying one in a to hew such fie credited to you
y
If you cancel you account Dung the period, you he
mMkam to use, your account without tetpp to pay
mambadip tM. To cancel your aeon, you raw
Yon aceas
,
for each sea O
balancer for rpatdieen .aft ad a:=I tnatasdo ne
fYwum dep. n the pawl-
and W
notify of by CM" our Custom Relations Depa tmar t
? NeW Balance r fi/ (adudtp tie
d
o
balatca
padayymast or a alb tpstad? s of Mrtr?dav M aworamd 6. H You Crse Yma?Aaaas? w ern rapwgmydw
t that aavtrm. Tee yea u the aparm dopy balance
far srh ssanem d vc r eo a't F(otvewr, H you pfd err pyaurn swat by cMang our Customer ifeladoe
Ospamnsd. You nu destrey Yaw credit cardW end
adeMZW Iillkp
s N
d
New salahm than on your pmdaa sraaam h Ai (a
H year aw baloncm vms zero a a oast amour)„ rrw
l
i ,
, eero
pm
acmnl emeae dre
and arse uobgiygar awn. If you do and card
r
remehothe
a
o
o
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o
a
or spec
which aaa aim rot tlrd plot daily a- We
purdrst aapn
h
d
ll p
yo
u
w
a
p
en
rem4 of a chmp Your adaizaNd t
m
Your aoca.m wi not G dosed
Audtloti
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o
a
oalolm 1M svetsP tidy btlanhm by addrp N r
y
belaoas topdw and diuidrtg 0. cum by do mmh_ of y,
coccu
.
call You pW N eneuHa Vcu owe u krkNn¢ ant
or days r or currrentt?bON cycle. To caloiate yourytotal
bi
? tlm barercoca Vw Gw adedzed, frw" tapes, pad
eMarca f mid Mry cMw fees ss@aW your
ll
is
parse ism ad W offer dM
Mrlol Gr m m>tatip an a dNy lase, drib may tm a ac count. Ya aro mpaWhle fa tires amwaa whathe
dkft dk valrosvManm between title calculation ad the aecet of
deeps
m
1 dit t ey appear m yo r axe•w n the pre Yyoouur mPrert t
close the arrant a they am Incrr d sumss¢rt m
TNa m•y nndt M
ed t se tiro aoee.m
do
or re
autama
b. If the osd Z a N •ppaara an the trot o
read so, "A I Rib Applied To, we naddply me .. t
f
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4
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a your aotou.t Ma you liver _.
dnapn !P -'I
W r?r accwt tr w w Massy oean apses. rvc .,a -
if you acdadzed a pcadeea from a neMwtt r+d wee
mcafw the t wmectiat from the merchant after yo r
arrant has been dosed, your a cout wa be moperred,
are amount of time duce wi be added to Yaw accent,
adyou vviel be ttelerrWr far Papnem. H diem r e
nembsnsip he for your accou t, the fee wM conker
to be dwarf, to tlr eawt pmmlded W rw, udl de
aeeornt bimhm I W been psis Yes AA p sorted .bow.
7. Uekw far Aaean.roo card or accou t cannot be
heed h cornecoort war cry ktaset I..p
9. tetra Abort Inaahs I Clues Camadn? When V•u
=Akdl • sse Payment, yu aWrrfze ue elder to
o ft. yaw duck to make a emirm
electro is Nat tra elf r from your bark accent a to
Ptoaees lle peynem N a deck trae etim, When We
ttse (n from yo tltatlc to Hake M alsdate
find ttarrr, fuss m:yhrbe vvat flan Vetr brie
ecmtnt M soon M the eme day era receive Yaw
Mymma, ad you wit wt rmiw your clock beck from
your ikendal knadUriorh.
BIWNG RK*frS SUMMARY
M Cast Of bent Or Ouesdam Abeur Ycr Berg
If aWyo r bill h-oMa If you need mom
r - • burne c on a bell, wdu to u n m a
sspenr timer ere sent M pomtls at the address for
kn0udise sown os Ms front d t h ante Bent. We new
Isar ham you rot rib then 90 do„after We sent you the
fro hi a which the amt a Preempt appeared You cart
call our ouch"' Relation comber, but doling so wY not
r"va your dyes. r yar WW, glw - to fdkl.*V
ibaa n Youe ntams and aoeeam roamer, the dollar
a o n of the suspected amr, a description of the arc
and an aplaeden, If pass"' , of Wry you bellow t ere h
M ter; a if you nerd toe %nma lon. a deacdpoon of
the ran Vats am are abed. You d nar hew rot My ant'
amen In question while, we ere k..269 tg a, but you
am still ohgasoat t MY the Pens o1 you b1f tGt am not
In 9a?.1Niah we knee yw custtla4 we canna
report you M dNnqusnt a eke stry a to eNeet the
MI,o m You qusedon.
t,t Special Russ For Crater Cam p rchases
If you hew a pto11 with tie quwlhy of property a
savrM Out you wilt .coedit cad ad you
hew tried r taWh Io correct theprA N wllh de
maroihrt, you may lava ohs dyt M to pay the rmmarbp
roam due OA the opstty a •andoss. You hew rile
silt rdenPrg» Ptdtassts pIp w,s tnem rtwt
a?.W?+nd tlu Padtaaa was muss In Yee hone sate a
whin 100 miles of you rnaNrp adbaw 01 we own a
opam ihe merdeM, a H tee tnhadad you tlm
advertleemad fa 1G pmpaty a services, Me Padtnes
•re ooverect mgaNese d arm " a Mted- of PwduaeJ
Pleas faltember t apt N corrMpertderce.
t Does not 4PAil'to cam ener no•- dada card "coatis
2 Done rot -A* ae bo atee" ----W card -oo no
CaoiW Ore atpome kdanrtlah pdwcy promotiorc seal as
vwbsle a www. oon.
Caphal Ons r a Y weer mark 0f CaPttal
Co'paada'' !3i tfdrit. m.awd. . a o?tavl
lapwhaa Nat w pay a is yet mtN t u will be credited t yet¦ aoco nt as of lhe buwrst dry we rrtosw IL provided (1) yw sad the bottom podah of this d•tarwi A d yor trek
r ohs arcb so urnr)ttatoe arwelaps ad 12) Yost gymen[ h waived r w pn0meeotg Data M 3 P.m. Ely (7 reos PT). Pkesa allow at Mast gee (6) buiew dot's fix poaW Oegtwry
Payments mmhad by u at arty olor reation a r rty o1w fomrt may not 66ers emdt d w of or ddayy wee mmM Intro. O r bukese dW are Mstry tang h Saluday. aaduimD hopdY.-
Pleasa do nut use stspN. pMdrrdcrke eta wren rY?gphpssv PI Wptwt you sad to a clhackW, you aWawn H eriza u t make • artsNnm Nec11.Ne um** debt[ ran ywr bait
xaec tom leer cMh mo dd of Yon omk arck, a ehsc? hheai q tM WWq eyrie awn by someone saes. It we cannot prcose. tM trarhr, you autladz0 Paper
a aster here.
• Now with
FREE Accelerator
• for the first 12 monther-a sop value
aa 97
? $ V
E a mn sh for
}lest 3 momhc;
$9.951mo. tweafter
SIGN UP TODAY!
' 1-888-587-9669
Mention Ober Code; EMERALD
Or visit www.peop1epc.oon1go/9merald
Account S
Previous Balance 5882.78
Payments, Credits and Adjustments $50.00
Transactions $SR00
Finance Charges $17.04
New Balance $937.82
Minimum Amount Due $137.82
Payment Due Date April 23, 2005
003
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PLATINUM MASTERCARD ACCOUNT
5178-0525-2338-4028
FEB 24 - MAR 23, 2005
Page 1 of 1
Payments, Credits and Adjustments
1 26 FEB ELECTRONIC PAYMENT $50.00-
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 23 MAR CAPITAL ONE MEMBER FEE
3 23 MAR PAST DUE FEE
Total Credit Line $800
Total Available Credit $.00 You were assessed a past due fee of $29.00 on 03/23/2005 because your minimum payment was not
Credit Line for Cash $800 received by the due date of 03/23/2005. 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.
AtyourseMoc
To o D Outmna Rdstims or to npwt a lent or edm erd
1-800-903-3637
Send payments to: Send iwpn to
Attn: R--lane Prop-ing
Capital One Bank Capisl One Serrim
P.O. Boa 790216 P.O. BW $5015
St Loui+, MO 63179-0216 Richmond, VA 232BS-5015
Important Account Information
Please renew the important information enclosed with your
statement and keep a copy for your records.
$59.00
29.00
Finance Charges Pkaarav rave ride for irnf ortme inf6tr ration
Bdanerra@ P.rioJGr ?r
y¢I' Ja. c APR l:Y3A1(
PURCHASES SM66 .07159%P 26.2^ $17.04
CASH $.00 .07199%P 26.2Ni $.00
ANNUAL PERCENTAGE RATE applied this period 26.24%
T PLEASE RETURN PORTION BELOW WITH PAYMENT T
0000000 0 5178052523384028 23 0937820050000137825
New Balance $937.82
Minimum Amount Due $137.82
Payment Due Date Apra 23, 2005
Total enclosed $ -1
Account Number. 5178-0525-2338.4028
Capital One Bank
P.O. Box 790216 11111IlO1111JI11"1'
St. Louis, MO 63179-0216
Pa«p.w,r?.?r??e„? ?.rdav..?e???war?x:ak
Star Apt #
Cn'
H-Phone AhemsaPho-
#9008322074338337# MAIL ID NUMBER
KATIE BURD
e 1198 SHOREHAM RD
o CAMP HILL PA 17011-6135
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Pkme uniteyour amount number om yasv hak m money order mode fnyabk to C#aal owB=h and m d- the a Iwed mwf,30e
peoplepc- online
KATIE BUW A better way to Intemet.
1198 SHOREHAM RD
MUMTED
INTERNET ACCESS
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awned by 00 fOlPadh'e amply. N 1191Ih Mened. By IWpwdM to rtes oW you may be oc normicift lAmrotim
about Yota>IGH to the company Bat provides this product - fr sample, that you are a CepW One custom..
'PeodePC Oriinx fiat 3 months we baled at $4.97 per month; $9.95 per month Bien minis Oftw avalltio to rmv
dal-up subscrlbas at least 18 years of ape and may not be redeemed with any odor after. Offer subject to tdwW at
any lime. Rene tachnicel support evadable for $1.95 per mists.
tAxalN810f Is free for 12 mtadhs. Oftff good for limited lime. After the first 12 months, the Accelerated service wAl
sAmutira9y revert m lie steeled PWOBPC OAF. service. OBer subject b dwge al rtylima Wdh PewW'C a*e
Accelerated, certain Web page ted and graphics mi load faster when compared to sleMed.diel up Internet service.
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02005 CVW One Services, Inc. Captal One is a IedmVy epstred service mark N right reserved.
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'If you wish tow a tiRrwtt credit card, to a* quorl om r to anoal, ad 1-0009274371. Your Thera-You Is vino y days of your aaNctirs from, Arm your free period, your selections will
oonerum at se price Molded for a told of if art minis. During your trss period, you wig rmodw a amMr notbm. If you do not od to ow"t Your aoopart will' be charged nl sty days from
wlwn you mils your sahnlonv. Thereafter you will rmemin on amnal nola and your selections will continue at the rah on to Police, for tle r*A year of home. Allow fro to ten weeks for
If a tint bmoorrra armvelable, K wi M rmphad whit an of mtyaY r graaMr vase. GI to ortosl r?nm for a raked for atrervmd buss. Veld credit ord required 02006 Nmw61b
Srviams LLC, Far )Filth gdOS Perk, SYndrd, OT 06006 k p vendor and memrvsa the right to hint orders. 2005 OwN One Srvkme, Arc. CmpiW One is a fmdrdy rmpisWW
service mrk N ryhh reserved Any tradentafm mentioned herein we soby, awned by elm respective arsy. Nevak Magazine Servfcas LLC Is ad* resporsbhe b ile offer and h not ablated
whit CV#W Oro. Capital Oro does not provide, endow or qurmbe and Is not ofYatW with any, pmdwt or service shown hem. By responding bits offer, you may be corn hating
information gat yourself to is company that provides iris proAcRor oxamplm, Val yak w a Caput One aagomr.
T a. Gmas Perk-d. You will tots a minimum grace period of
5, wffhaw Bronco Crepe m row puniors. now,
baaenpca tresrJore, row apsrJd pudwis rd rrw other
We R Vou put Vor total 'live Balance' in
searcher with the Important Notice for peyrrwdi below,
and in time for it to be oradted by yo r nma as am rat
grace adJ an coth
rd?gspecal tranndeR
In UOrh?ihem to ¢aeo period
on any taarltsaksl If ro
yw dD t prey the total '
b. A.-Am Firm Charge. Trrpecllarm which am not
fmm the to a grace data of the t am finernac, )
rroeetlrmor 2) dman the data the
transaction fihu edadeta deal d to your Acmuit or 3) from the
r ;rain Nig pwk L A tldorally,
if Yyooaua del not the 'New Baleen' from do prmias
bNig period in fill, Onrhee ehlgei cor1i ue to scene to
ydr uppmM balance wall der aapal I balance is paid in fhY.
TNe mearr that You my 80 a linance char of
s, )f
ym put the entire New BeWhm Indicated
your iratrmmt by the rota atatanre nogg date, but did
not do so for the appovolo s madh. Unpaid arms
a drrges
tc. atriaan Fb-- rCi ga. Fr each but rp period that
yaw aeooe h wwgqee??tt to • maws charge, • ndni,san
tout RN4NCE t]IAMiE of 30.60 w4 be , , B dh
yaw exam if it has akeady been shooed Fr ,xsmpb,
d you sud.&.d a pumhsse from a nmrehre and we
mcahm the transaction from the mardhan after yotr
amont has been closed, yaw aced! WE be rsopaod,
the anhaat of ter Wrgpee?wit be added to yaw amdt,
end vent be nss(rsrs for peymerc It them, h a condma ==dl alr?hnm elde n?pan. I a, the e y b ?, Until *0
boon paid in full as dellred
7. U?sirmsa? calve Aamue.Yaw Gerd or axwm camel bye 0.
scan araherionh wiN any kdemet On "
S. Nile. Abet FJaeba I cheek Con-radon, When you
W-W a o eCll all payment, yW rated.. W aide! W
w iWwmffd n from Your dock to make a onetime
alectradc hod tmnehr from your bank McRae r to
procen the payment so M deck tranaectlRh. When wr
w khlomoofon from your dock to make an electronic
fuel trrrhr, finds may be wit drown from your bank
scours ss soon as to ssmr my sus mcw- your
paymem. and you will not receive yw cock biclk fkan
yar financial inwthut ore
BIWNG RIGHTS SUMMARY
(n Case Of Ermre Or GkesUom Abw Yon Beg
If you thkdt yon be Is wag, or N you need more
Information on e Imn eactinn a be, -he to w on
;
meperata meet as seen a. pa M. s.1 the add- ter
ngddes shown on the from of this statement. We must
hear from You - Inn than SO d}r after we see, you the
fired be on which the amr to prohlem appeared. You -
Gil our Customer Rdallors nerrmlar, but doing w will not
=-==1 Y4w ?, Olye us tut kg
and axasm number, to dollar
amain of the wupeeted omor, a deecriptia of the error
and - wpl-mlon, if III , of yy you Weimar tharo is
m anon or If you need micro Inlosnatfah, • description of
tut ham you are tenure ;bad You do not haw to pay any
amass In question while we are Inmradpaarg h, bd y-
am obNgared wpey doe Xda of yaw bit that am not
In an
. lYldk yes gwdon, we cannot
report ywu as deigard r to any eaten to cosset the
amoon you question.
t,t Special Rae For Credit Card Rmhoot v
If you Irmm a PmMrn with the gwehty of property r
arMces that you pu,dhased with a credit cant end yu
how tried in good tallh to correct the problem with to
merchant, you my how, ttlhye right not to ply the mmalr8g You pmla mmum due on t on is h of - p- sup he- tthis
han
360.00 rhd 1M fxnNhrr tva, made dh Yaw knew rue r
vht1dn 100 mdse of Yaw rek
tra
we g mailed ya, addrsra Of we ovate or
opeme a i the
adver 6.the " mmerdhvm, for ter prop IV r savioss, d ptrehssea
me..d q-rdsss or
immn or location of purchase.)
Please n onager to sign dl oneopo dance.
t mace not MAfy W mavama note ,.o cod accords
Y Does rot sAply W business inn-redC card -.u
CWtal One a pporu information piwcy protection: wo our
==16a . talae.can.
dv redstaad senior sunk of Caoltal
periodic rate. To obtain the average daily bstapce for the
billing Peded wined by this ratemem, we take the
begirwtg balance at each mgmene each day, add any new
tnineacdone to each asunsrt and arbtrar why paymernv
or credo. Of the ads N appears on the from of this
staternard non to 'Batuee Rate Applied To: we also
e tttrar rN unpaid fiPaee charge nrluded in the balers
of each ssyneffl.) This gives u the dally balance of aeon
saprwe. 7Mn, we add rp all the dolly balsas br each
segment for the bil" perod and dMds by the total
marlbev of days In the Wing period TNa gWn us the
3. Nhat?w7M of each
Th. 'dssyArmsro balanceRie fssardage
The tam aegnont.
a. he f t o his this Rate' may appear u
APR' on the full IIb. If the code P fP 1, statement.
L f3 . U
rimeLIBOR), C (Certificate of
(Baritcani
mre" the frant
next to theppadodGma the
mts and ornaopan= ANMIAL PERCENTAGE MTtS
noy wry µm lady rhdd may kheresse r d-- Weed
On tut oohed kdcee ss land In The wag Sutst
Jarrol, plr the m+NA pgAwdy dsdomad to you
These sup W w on the lest day of yaw
mantle .Iaarerv4 . periodic ending October.
total lnaror sharrppsm mKdtkg from the appliradon of your
thar, $0. ?
c
?
hW
a d statemem'"n to e. peaoac nett), to V1MdC*1yG
and u
de
E
ie
frr
tha
00 a
"dffo an,ce will be y r-
d?ease
bard m to
billed to tie ptadwe aeprs? of amens
t d
Teorwory Rmdaetss In Firs. pe
s
Wa reserve the stated )mates, as faced n TM WAN Sued
Jana( plw
N
h
th
i
d
I
Th
.
g
.
rye m
r
oK soomw any a d finance charges fie any given n pre
aks
f
e marg
r
to y-
ee dwgea
will be afracd- on the tat day of your Nsing period
w
r
2. Awragag DMy gearwm IYhmMrdrg New Nrdrne). each month.
6. A-vrd .4 lea., Waring and peened payswd Finn.
a. Fiance chaq(r le calolated 6y rmWpl+Ang the dally You, occaaa will be asnaaw no more *wn two of tut fees
balance W each w- of your amure (e.g., coah Noted hero that occur during wry Wing period. Under the
idvrm, paths, apeWl tmshr, rd rpeesi pkrdhno)
p term. of your aatamr agreement, we mam w the right to
by der dally periodic rats" that hm
been
prevknal
d m
dA
a+ At the and of each da wales or not to assets any fees without prior notification to
vilh
t
l
n
ri
h
y
V
y
y
Me bW.9 porbd sus apply the dNt? pentode nRe !or escN
ssess m
tl
hMras r ad,
M v
pu
wa
v
q w
g
t to aawv the same or simile,
at a late 9e,..
6
Yaw M
a
r
f
"W
yrg
of
tihs end the prod, we add W
=
T=
0* mart Pot I dsilly caksls I to anus at
your finance drggs for each s.
.-L We add t
the .
ers
,
a -
appeam on tha henna of thh autanan, you haw 30
*
ee
day from 9e dam Ws itatamem vtss vented to you to
avoid
k
th
t
m h
h f
a
W
p
neanb from each sap W to ardor at the total pedode pey
hp
e
aw suc
ee or
ee cre
ted to you
B you axe Vote scant. Dwkg this period, you may
rihsrem d0.96 for your Rem.;. To pet ft daily balance,
for each 009 No of Your scant
sus fake the I
f I continue to w your assure widra haWg to pay the
me
lt
h
T
b
d
,
o
balance for ark n(mem and add wry now transactions em
to
as.
o cone
m
yow acewa, ou inert
notify r by calling w Custom 1=660 De am
and anb lfrrre. deep. ralolated ontips pnavlar
' ive Bdrha' n fit Immkodinp the
=
day
s Nw that mogmem, We than vtbtrect wry
peym m or asdae pawed as of that day that am a6w=.d glen to the and of the tinyday period.
=4
8. N You Close Yaw Access. You an osgwt to cl
ass
to that sspnrt Tits Of- r the s.pame tidy bases
w
,ae
et accvue
ut
llovrmvar
N
h yywourr amhaa by camp w Wainer Relatlo,u
o
Y
d
p
fr
.
,
You po
t
e
!!w Bal
rm
you, prsvlam stahnnae n (nd (r epartrrhene.
ou rmr
errmy your credit a,d" and
access ;mss chocim unreel all
maahodzed bee
If You, now balers suss zsm or a rsdt amen), now p
p,
and cease using your acoaaM. If you do not cancel
tnaraMlan a which poet to your purchase or spacd pewtlodzad helrp amnoanmb, we wi consider
pu t mm sepnaes an not added to tlps dmiy balreaa We
calculate 1ha avaq diy balartee byas the day receipt of a charge your ralodzation to
amurn. Ahlhih)rsiy, yur secant wN1 croom
t vie clossd
lo.h s mgedhr and dvidng ft re, by the mentor of ma you pev all rmaa+b You owe w n kdW any
the days n the arrsnnt brig krytls, To retreat. yaw total tnarrsaiorr you haw authorized, lrunhca charges, past
riharre charge, naMyly yaw avssge day bares by the due ices, over i it fees, returned payer fees, coal,
defy raw rd by the nnbsr of day n the hiig sdwm f" and my odor tan anwfd to Your
Dane to raraig m • tidy be d., thm. W a -mutt. Yea am mapahihe for toms amounts whether
* vadrha bstwsah Ws nlRastlah ad tlo smears of
drsrpt ernatNy assssrd
b
N tut code Zr N a
rm m t
f W
f
t they appear on your xcaax at the *- Yokn request to
doss the account or they am incurred sknbssgirnt to
.
pp
er
o
i aarnenn
ron
rot to "Bence Ilan Appprd To: taw multiply the .. yur mgaest m doss the acaaaht. Tbh may msWn n
dugee ppeeMq on your .;coda after you how
n No 0 Payments you map to r we be credited to your accotim as of the Madness day we momlw h, provided (1) you vend the bottom portion or this armament and yod rack
envelope and (2) your peymaht Is malwd in w gmcndng wma by 3 p.m. ET (12 nom FIT). Plesss allow at hen fiw (5) budneve days for path bpvery
Payment received , other, location re In ary Wmr Joint mW m emAmd 1W by vm mccve 1Wm. Qr paimw day em Maley through fit.. sled.,. hddvy.
F`I.ssa dan of
D not w rip, rvgdnv yaw pnyrd, ks yu dmckW Ythu wAmdza us to !mks a anrtnm eeeoaie mvmter deb" hen yd WNk
aox ha ? t ? attains your bank dm r,naahtck TNv account using aatdfaanh the e?Nav hied pr cc MMcc ?tr tm billing cycle own N am by vaneanv ales. If sus cement pmcan the trrshr, you aWgdzs
r to
596743
Let Capital One show you the way home.
Buying your first home can be an exciting but complicated
process. That's why we make it easier and more affordable
than ever before. Just call 1-866-896-9596 and speak with one
of our loan officers. Or, visit www.capitalonemortgage.com for
helpful information and great tips. You can even apply online!
With Capital One's low rates and no-hassle service, home is
closer than you think.
Enjoy great value without the hassles.
Call about a Capital One mortgage today!
Mon-Fri 8 a.m.-9 p.m. ET Sat 8 a.m.-5 p.m. ET
or apply online at www.capitalonemortgage.com^
112t
Your Reservation Number. 6712 056 591 3317
EM ae1HN IAQa
PLATINUM MASTERCARD ACCOUNT
5178-0525-2338-4028
Account Summary Payments, Ctedits and Adjustments
Previous Balance $937.82 1 16 APR ELECTRONIC PAYMENT $1001W
Payments, Credits and Adjustments $100.00
Transactions $.00
Finance Charges $20.95
New Balance $85&77
Minimum Amount Due $59.77
Payment Due Date May 23, 2005
Total Credit Line $800
Total Available Credit $.00
Credit Line for Cash $800
Available Credit for Cash $.00
At your service
To oeU Cu toma R&6- or to rgart a lat or stolen art
1-800-903-3637
Send pgmmu tx Sendmgu t«
Aft. Rmiitmbe Preeming
Capital One Bank C*W One Sersion
P.O. Boa 790216 P.O. Box $5035
St Louis, MO 63179-0216 Richmond, VA 23285-5015
Finance Charges Pkaa tee revere ridefor irmpsrunt iry6raw
n
tioo
55 J(
rn
.
^ PURCHASES $92232 744%
.0732"P 266. 620.95
CASH 8.00 .07326%P 26.74% $.0o
ANNUAL PERCENTAGE RATE applied this period 26.74%
? PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052523384028 23 0858770100000058779
New Balance, $858.77
Minimum Amount Due $5177
Payment Due Date May 23, 2005
Total enclosed $
Account Number. 5178-0525-2338-4028
MAR 24 - APR 23, 2005
Page 1 of 1
Apt 1
cur Sn 27P
Home Phony Allt-w Phone
0
B."Add-
r!? #9011422074338330# MAIL ID NUMBER
Capital One Bank KATIE SURD
P.O. Box 790216 1111111111111111111111 1198 SHOREHAM RD
St. Louis, MO 63179-0216 CAMP HILL PA 17011-6135
LlLeetlLttt111eedLltellereerltLetlLlleeeeellJLelerLl ? IeetllLetllLettttllettllJletetelLdLtltltltlttLeLltJtl
Pkare writeyanarrount number anyara dxcf ? money ordn madepayabk to CapitalOnrBan4 and mat in for cnrlarrd ene,rlope.
r
This is not a commitment to lend. The loan offered here is a product of Capital One, F.S.B.
® 2005 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved.
Zs
pa?ia
aa?
0
0
b ?O
ter. Ones, Paisd, you vat howls i miiman peels Psdod of
26 days Mahar 1h - dnW cm row pudrw, new
balance 1raneI new apoold prrelrss and now Wear
drgps it you pry war Oohl 'New Balms', N
belove,
and d se forth to be added by your next suffusome
ar?idiprpsdY ter?rwsn In ad?filon,dire on cash advances
Para
= t rmn.Mon H you do rot pay rite total 'New
b. Aeaekr Ferw Charge. Transaction vdlds am not
ai¢at to • Vas penbd tae oasaaasd lrrao merge 1)
tram ter des of
transaction e tr processed to your r Account 2) tom tin dam dtransaction r WV 1 3) from tlw
did not day of do ter nyo Bel b harp d. AddItionally,
lira[ c r
H t pay d ovv Ba
di
es fern th p- to
pedod d in t * previous
ybairp npM he, , 6 -- btgM d unpaid maidms amps
TNd mar OW yyoou may ri saw dnreo chpn, even H
you pay dM anndn Now Belies Nduted on the from of
your ofatantera by to ram de omen[ I - dam, but dkl
not do se for the pmvb- morel. Unpaid U
to of yaw7.
. MNksw= add=sF'iraesto ter s fa aarh wpmwa6tWp peri:od tlW
tonal FMiANCEdrr?t1p4a7rgaaEdoff 00.50 vA be I posed Hytlarr
°a?lodcmro %ut 1r .Sssdirt Mas verve ta flon, G ter[
Md to die padnnissga need your a?asraadfisrr rm wi be
t d. Temporary Raddled Is Flonn C rpe. We ewes the
dpta to nottW.- aarr any or M finance tlrrped for any given
2. A= iV lknk=ins Now I.
a. Firsnos dupe I. calolaW 6y nmlpplylrp th dNy
balance of each sopsasm of your account (e.g., rah
ad-, pudrae, special tnrrf r, and spedal pradrr)
by dw dWy psrlodc ntsI ) tent ton been
prsvlady to you. At Uos and of each day dude
tin big palod, we apply tlr pabac rsn oar eadr
sspsra d your amant to tin kalaro d
wgmet Then ar ter ad of the pob wal
d,
add tp
the ft. of der rslalollonra m atdve ac war
up 0.
moulta to sad= aeputam solve MW kxk
Wtroe uespe Tor yev a art. To pat ter bdlannca
rote rdr daprwd of your anxaad, re tekd do bNlnip
balance for each mdpsnrd ate add rrunW new trrraetlar
and mVb fMOe rips rskvlaed m the pnmlas
days for dotesgd YYe than aLOSd as/
psynwo or croau posed se of dot day dot on atoramd
redim agent This gives w tin ospotate My belwsca
your amoua. llovvover, H yes esM th
:::m h rpnau of
9alam a alone m Vern pandas aasaennanrt N k/ (or
H yrar row hofrroa von zero a • amt amount),
row
Intend" Mdrh post to your puehose or pedal
;#qth sdimy balance, by eddrp tend dolly
Z- pae tepadrr arod dMdep the am by thin natrbdr of
days N ter atom hire tome. To rlalrte Dar total
subum rt nano to -nerds can o o,- w air
stirrer any top" Ana- dupe in 00 bdM
of one
of each ON-M) TWO TWO gives W doly of one
"Wants. Than.
s W-W for rie we Lip Ood ? : d ??aMdy e b lonces for e8d
manna of dap N the hip pas gm Thin glvea W dM
awrags merry bdanca o1 each segment.
3. Arnsl Firings Berard IAPR1.
a. TIM tern '/anal P.serdaps Ratn• may appear as
'APR` m the tram of dia /utemaf
b. If rite cote P (Pdme), l (3-na. UBOR), C (Co ilkate of
Dapodt), or S (Bond-d P 1- appoan on the iron of
this stateroom non to des pedadc torsi), rite pedoac
r
rep and cormspo
rai V ANNUAL PERCENTAGE RATES
wry pmnadywtady annum may Naar er deerare based
m tlr sated NAS, agloead N TM WaY Smrot
dedcood to
to SM of Vau
These of 4
Ott Period W"md by Yar pado6c eutamom andnp
N h mater .I.- Apl. rd cad Octahr.
2
each mmk
0. Assessment at Lab, Ovrrrk and Rebored Prywrd: Fees.
Your aemrrm Mt be manned no tenon urn turn et ter fen
Barad have dust occur dukq try blip perI I Under the
tomm of your cisterns owennwm, tae mearve,
do d(Mt to
wow a tad m aarr arty is led domllr
MdourwivNpmdpM to =9-.=. ar
t • 6. a Your Aewad. If • orresrobssofdp fee
epprm mdMdM hoer of this statement, you haw 30
dap tram doe ode aatemem war meted to you to
avoid Paying ft In a to he" such In crated to you
H you eared your account. Dude tlaa Polod, you May
eonWvee to ter your asmnm vAdrwm having to pay doe
memhas by fee. To a" ymur eomud, you rnrm
noft am! Wy `/a?w?Nsw B+lanpe' N AI (smdttM Vt to
merrroemNdp lss) Pea m ter end of On ddny-0ry p"W
0. H You Can Your Aewmrd. You con ngrear to don
Cumener Rdrdarr
ppuu aoooun by c+(W V cur
Deparonwm. You toms[ Zony our cmM cardla) and
p,
acme accondrake, eared d p-.M,.d:e:r
and casse using; peaNnnized bMno your seems. MYA cortsidar
raolips of a drupe your aWndzalkn to mom wor
account. AdAdenily, your acco rm nA not be rJOeed
Wit you Pay d ammnN you ono w kvhdWnQ any
traneacdeur you have sudwfto , fho nce chaMes, part
doe ter, avwl m, fen, mounted Inymwd ter, r
advro ter arm wry otlMr fees erred tonnyour
emoara?.eVrau eve vepnrible mr urn ana wtedo
does the ,==M ?brequest m
b-aredwbiquwm
our wrpoaof to ds do amours. Thin may rowel N
damn appesoks on Dar acLdrm afar wu haw
ter you numerals; a prroras tram a mrenrswa ane w
ncelas tin the merchant char war
ace o tat been yaw aomcount count vet he rcpred,
amount cl the tlr vsA be added to war racara,
and yyowuI be for peymem. H drro fe a
nsoaneaofap fee for your arrant, the tee .0 n e -
to be dwoed, m the Arent prMtW by law, u tM the
arrant b?rra has been Pdd N fill tae dshrd above.
7. Your A-md.Ym card or accoram carrot be
N comssdlon Mot any kaetmet psnrbWp
tranraCtk-
8. MW-- Abat F - W-1e Cheek On-don. Wtwv you
PravWa • dick a prytrrm you armindzs u alnlwn to
orals NfmrnUon flan war drek m maim a mrWre
elsdroriilc• kard tens here yaw bank amour a m
pots tlr pp+aymea as a dMdr traroc,kn When w
use Nfomtarim loan your crack to make an eteasmte
fuM surfer, fuse my be vAdnravar from Your bank
ar
account as ion r the sane dry w receive
=-,r, am you wft. rot reedve your cheek wbsde from
your thamlal NabtWm.
BILLING RIGHTS SUMMARY
IN Can Of EnasM About You BN)
If you thank Y. tilt N err if you need ream
kdamall- on a a brit vmite to u on a
separate often, as soon ere p-able M ttr address for
Npdrw rrwt in to fwm of ode mosimam. we must
tons flea you no lair tan BB ddnnyyma afar can tare You th
4nw bA m vAdur tha arrer r prdnMm appasnd. You can
col err pswrrr llelatlalr meshes, but ddrp se vW net
p?leeMw your 00n. N your lather, pfas us the mUomkp
MlfrmadgC you nom yd ooeaM ranow, to, dollar
rnmam of the aepaena lanr, aefdWMmrydpdm of ter aster
and
b.N- Own 1.
r srmr, or O need Ndernniar . dnedptl- of
the kern you an ratwre abouL Yms do not haw to pay any
wearer N vaisw aro kwudpeWp h, but you
an stir ud to peY tin pane of your bN that aro not
N prstlerc w you on tae riot
nom you n dWpusm 0 u any acifs dm to
aroma caNr.Y taroma you pwtloro•
:,'r Specie Role For Credt Card Purchases;
Ii you haw a problem Md the qudty of pmpony or
""can [lust you pmdrtlnd Wrh a n
w tend N goat Lkh to
ha mroc, the
mandrra, you nay have the dud not to pay to mmab*V
ammo dus cmtr the or astMosa. You have ode
>t50.00 and tlr pefdrM rmWfe N your hone aab or
vdtidn 100 hies of your paling adieu. Of w ovrn or
opraw go merdvrm, or w meted yes its
adwrWamwm for ter a sNese, d purtlwn
aro
Nor wmea atonendrepudsrw to sign d mnn ancom p focetlm of prwdur.)
panmca.
t Does not Appfy to eomasnar can-eramr ced acrouN,
I Don rot appy to 140614" nm•aday card accou to
privacy protadtap see our
ed service mark of Capital
hta nesrvea n 2003
01LOLBAK
Pam UM to raunes - m • icy book, [lire may be a
s vedroevorlancpe, beensin this calculation and dw amount of
b. If des tote 7 a N gpeae m ter trod of Wo sulanmt
nom to -Bda ce fare Apptad To: w mrltpy the
Yrportad Nww: Paymmu you and to u vWl be errand to your aaraMn as of the budrn day w resolve h. pm~ (1) you send des Donn portion of this eutanwd and your chack
N the ertdo ad wMtunce envelops ate (2) war poysrwrR k neolvn0 N au porsaYq aermr by 3 p.m. ET (t nosh PT). Naar stow at war Ow (6) bride ler postal
ddrery
Pslmems trained by w of airy odor locadan a in my odor farm mry nol bar on dite d r of 1M 66yy w nedve ohm. Qr 6uirar eye aro MakaY dsaryn eeruoay. oeduAnq IoFdnYa•
PMaes do not r paplp, ppdr did ate, cairn our p aq. Wlon Yes semi w a drekW you wNsdr w to nab a mn•tMs elecbome trnnkr ddt tom you bai
arxoram ter the anaud- of do cf ? M aNwdx i s{pea to at cacti vecalved dW M 1M blip cycle oven H rm by earao also. If ws ramot pumen the transfer, you aut adze
w to make a drams apdrst your bark aiooWa wing ter dock a paper draft or other ham.
First 3 months half-price
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Account S
Previous Balance 3858.77
Payments, Credits and Adjustments $.00
Transactions $29.00
Finance Charges $19.08
New Balance $906.85
Minimum Amount Due $106.85
Payment Due Date June 23, 2005
Total Credit Line $800
Total Available Credit $.00
Credit Line for Cash $800
Available Credit for Cash $.00
At yottr service
To call Curt met Rdatiow or to report abet w stoke card:
1-800-903-3637
Smd pa7menb to Stud iatpida to:
Attn: Ranitt- Proassiat
csyagOne Sank o4ftl oft senior
P.O. Boa 790116 P.O. Bea 85015
St Louie, MO 63179-0216 Richmond, VA 23185-5015
PLATINUM MASTERCARD ACCOUNT
5178-0525-2338-4028
APR 24 - MAYA 2005
Page 1 of 1
Payments, Credits and Adjustments
Your scheduled payment has not been received. Please remit the amount due appearing on this statement If
you have already made your payment, please accept our thanks.
Transactions
1 23 MAY PAST DUE FEE $29.00
You were assessed a past due fee of $29.00 on 05/23/2005 because your minimum payment was not
received by the due date of 05/23/2005. 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 Pkarrrrr Tewws de fa irnpodart is/6rmation
Ad-ardr
&JA
,?.t pp??g
rt'iar.
M
fpR CHARGE
q ft
, e
PURCHASES $867.95 .073261%P 26.74% 119.08
CASH 3.00 .07326%P 204% 3.00
ANNUAL PERCENTAGE RATE applied this period 26.74%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052523384028 23 0906850100000106853
New Balance P?oep.e,t-drayaJb. a,1>rm.;Idrrhbm,.,etX K..H.t u.k
$906.85
Minimum Amount Due $106.85 sweet Apt
Payment Due Date June 23, 2006
at7 Snoe ZIP
Total enclosed 3 H-.Fh- Alt-wPhoae
Account Number. 5178-0525-23384028 As
PmulAdd-
#9014422074338337# MAIL ID NUMBER
Capital One Bank KATIE SURD
P.O. Box 790216 1198 SHOREHAM RD
St. Louis, MO 63179-0216 0 CAMP HILL PA 17011-6135
n
It1Inn11trt1IIIta16fill utdt6t,lldbunlltl6tln61 ?tttlllntlll...... utlld6unlittlinlt6ltlnbddtrltl
Pk-, witeya wernt nambrr m yore rbrsk a money adw makpayak to Coptta/ One Bank and raai/ in t/x rnrlored one rtufe.
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service not avdable in all areas. Accea fear, tan-, and stew fees and midilaUons may apply TOWicria>a dwW
may appy, even dlring trial perloda. You am rewaro'hie fordetwn**V whether a cel bane d tar apoew rumbas will
reset in Weplane Id dwp & Access may be Filed, especially dr4ng tines of peak tsa®. DI" huntlem may be
c &VW at PeoplePCSdodits .carbaae aaaakilijecttotimaaalprocedures. AN usebamieatoPe*-ortii,et
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Ndoewcarom
0 206 CepIW One Services, Inc. Cwba One Is a tedeally registered wake nark NI rights reserved.
ail
a?
a?
T
a?
a1?
s
8 I
O
ICAW
e. these Per" You wN have a mkirm.o grace pedod of
25 days widnut oneaeo drrye m row W"-
balance, lalrfem. new apedd pedraee rad-
dww If vw your total . fir Ba ence', n for ?? ?"Importers, isdud Notice
by Y?mr matt yr? rb?r?
and h tirms for it to be c
ck
and *kpaperc?al Varefsm. 1st', am n period mast r vaiadvarricas
r. v«loa
many tnr.wfen if you m not pay via toW •hbw
b. Meth Fhwrs amps. Tuneacllon s vAddh aro at
1mmoftths dabgrM the e usim mod- or 2) f- dr dab Me)
yeti uipaM belrrov tnr the rrpai l balree is paid In ail.
Tlis mew art You may alp owe /Manse delta. ewo if
you pay the andm Now Barra ndorted on the trot of
gar dltement by to net dampest[ dealing dam, tar rid
net do m for the Pavbw nerd,. Unpild tnrra drnpw
am added m the ===
t e. Maimsm amp.. mod i
;=C= us . *- char is minliman
rrtw d,ppa maE! of h$0.50 vW11 GeI?nponntd If tohleM
palate lately (s$ Omen kman n and ern the mil ffam ,let will be
bow amount flan the d&o.S mink men mee
bald r the mitt sap d a`We reserve Temporary Rairstfen h Fkr a charges mauve ft
ddi to not ....r any or all Blrnce non hr my dvm
2. A= pobdl INSw Oardwsnl.aRy
a. Pk.
depre Is adofaud mdtptykg the
prim
talsltea of each aapr,ot of Vomr amomst (s.9.1
.evamp, gaiter, ward peaefir, amd epedal g
by Uu dry de mbbf et he tam
pAt
plwidaly l{nd? m you d. and of each
he law
t of gar aaska to d. dry k of trordrr. TM at ihe and of ft bi'Y Dsdod, wo add op
baR.Imes
inane drape for rLer a samC To gat the
for each stag of Yar account, awerytole to
trairmcdorvo
b.1- for each lam ryimirlalitedorw
Ohem plwlar
arril d yin: f« the a We then athim t rty
te there TAh Ismail set .1 thiat gh- - separate ? that -
dry led
for each aapnrm of your .mast. l(owsver, N yw pdd the
New 0airea sham, on Varier Pravlae staosom In Gll («
it gar =1 lde ww zero or ¦ cads amoet0, maw
tlarad.tkh pod m your purdws of *odd
gaiter. aspnatb am not added to the deer/ beirom We
askuh" Oe nwmape halal p by addng r the dry
f.7hh( oowried by 1Na atadelnrm, we take Vine
balalea d each aegrrtrm each deY. add cry rrw
tureaeeorr to each and Wheat my cords
or credits. IN the coda N ?ppsam an tlr kom of m)a
stateroom rand to 'Balance Nita Applied To,' we also
"d"ram shy upsid leooee drupe Indrded In the balance
of each .) This give. W to dry balance at each
71kor, we add tp all the dryy baWeaa for each
amrtor the aHYha pawsperio amtd Ter der. dvide bV Oa total
aaUr p hs u e
.amber of days it, the
aver.0 dry balance of each segment,
3. Alwal pererr-8 -1-
The tam •Amei Peramage Rat: may appear as
•APN' m the 1wm d eia atalamrm.
b. If the as& P ('rims), L (3-mo. 1-10010, C (Certificate of
DpodU, « 9 (Beinkr+ed Polite) appeam hit the from of
oadodc
thh atatamem nand to to periodic rats W, the
miss ow oota?ahdrr ANNUAL PERCBRAO NATEB
my wry qus= rd may knomme or dnasw based
r
m tlr acted krises. as land In The War Sk~
J«rwd pli s the mardrh paNotrlV disclosed to you
Thom fhad m tG learn 4Y of yes
="==b; yw pwlode eaeman enmw
Ilr.1. Jemery, Ape. ledyy and October.
c. It the cods D Wdom), F (1-mo. UB011) or 0 (3•mo.
LIBOR Napdcad Mo ONY) Was an the lrrmm d gar
etatrhh.a roe m the mtah). via perlode ow
to mar gn pmviouty dadasad to yaL I new a arrece
w11 be -'I.ce- an the fiM ay of gar Mkg traded
oach .01
0. Anearlrt ef Lat., Ov~ end Raaenad Pryor it Fees.
Yotir Reed hero
"? w
that oear doing arhy billing period Under the
ten- at gar arnrn,er +vittee, arts - err ran m
walw or net to seams any fire wdtltaat «I« nodlecaleaa to
wldhoin v .MM oat dghl to epee the same « dmihr
at ¦ hoer tins.
(. Year Aaaaet. It a members* M
appeam on, de from of dhb suteman, You hew 30
ay. from to dam era .ut«mat viae mal ed to you to
avoid paying ate fie or to have such fie am~ m yw
11 you cancel Your aeeomm. Dining ter period, yo my
am*= to we your secant wldWA hewer to pay the
mambeis ip fist To label gar amon.d, you must
notify W by ut CAN ME =and Niw Balam- in /1i1 ? 1 p the
monbelerip 1.m) Mot to the and of fG *wAis, period.
a. If Y- awe Yw Assam. Yw can maimed to doe
yyaamr aLmrm M offs 0 our catwmmt Mai-
oap.nmtan. You in destroy gar staff pm(t) end
socrum awn check., cnnpl r prenArdzed billing,
end sawgyour .mare. Ii you do not canal
peotledz- tarp amanpdndts, mm err conaNYda. mothrodatation to m?of ai?your awirit YA net
b. tlwsd
and you pay r amamt you era W irrir6g: my
[rewarder you hew audrofzed, lereraa chs", post
dw fees, owdin* testa, marred payment fees, ash
adw110s fen and eery crew Ores a.eeed to yam
aaco nt. Yw am repo ebe IN Omer .mama vAmgmr
they appear m your WCDtrm n Or line YOU IeQmleat to
taw tbe acmmro «they am h,eourrad aWaagem to
gar enqueet m dot the eccarm. T as may nawft in
Charon aoowrinc m goo awmm after you hew
yam aev.K if It he atready bear wadi For er-VK
f you amdrrized s pumlrr hom a memJem ad tare
rxdve the iraraeOdh irollr the mordent after your
secant he been deed, your aoaut .0 be reopered,
the tread Of the dwlrpe wi be added to
Te gar awom,
end yyww will bo vpaeHs for Payment. If Oero b s
aataarosldip e fen ga r a[xaat, the fee w6 cona-
m ere d=:h*. a pamd sari by I.w, uma de
scant as even paid let 01 w ds(nmd above.
pd or amw[ vest be
7. =Y==;r
.4ntemet W. ng
transectionis.
6. Mothm Aewt B..0-de Clerk Corr-al- When y-
provide is trek a p.Vn-,t, you euleae - dd- to
we in aura on, from gar trek to male a one-dine
elecnolde and trarrfer man ymr hank a co at at to
process the ryryymanc a. ¦ duck trwsWon. When vas
use keonr,anlan, hoot your tlhe , to miekf m ahdmnade
fad stabler, hard. .lay be vrehdswa, from gar bank
socat t n soon, as the same they err mod" your
paymat, old yea wi net receive yaw check beck heart
gar fllnrrJal tlha0udbam.
BIUUNO RwifT3 SUMMARY
(n Case 01 r.- On Owado a Aber Your BW
It ycu Wnk yam bill 1. -a g, or If you need more
s
nfam.tlm m a traeadim or HI, write to u on
spar se drat as Goat as pod,, at a. add- for
kgidm slrwt m the from of am smtanem. We .an
hest coon you nc hmr tMn (0 dsys s1w - son you the
sot ha m wHch Oros en« « praklen appeared. You vh
cam ear Cur alter Relations member, her dong are hale not
pp- Yam moon., in gar letter, give W the following
in/amaaerc you roomer end accotam mnoaar, the dda
amount of the suwected errs, a dssedirfm of Ur error
and an eoplaeda4 If pq.@W*, d yy you believe them h
m error; or If you need seers intrtmatlm, a description of
the hem gat sm treureabout. You de nor hew to pay my
«na.n AE. whR! vro am It. bet vast
am atA prey tM perm dllrt aro not
rwsgpeb we carol
I We a Y
sh « take a to ichect the
t special Rafe For Croat Grid Raaceaw
If you hew • it 11 n veem Oe qurty of property, a
aeMaa Out you vteo a kindt cad and you
hew tried n ta1Rm to camel ems problem vAth the
merchant, you may hey the Art not to pay err menskng
amount dine m the proppM «sslvke. You hew this
mIy wlrn ty a "a pia wer mere ten
360.00 miff Or )wltiuM lw. mist in your home state or
vdefn 100 fake of your mtainp addrem. Of we oven or
operate to meechare, at if era malkd yin the
atfwlberltent tar tlr P7.my nt « err ssr==)
P7 .my e. Neap lammthar to algth r correspondence.
t Awe rot apply m com~ rrlr 0 card scooters
S floes not apply to bwhsor term -* cold aefafafa
Ors atpporm nlomellon privacy Protection: eve err
or rvwrv. can.
vn is a v I.aistamtl asMp mark of Gaul
balarras tepd)w aid dM6q Or dm by the mmber of
Halo dtin " elga , attars billing, cycle, To Cocideso Voter total
( year average delty by the ins.
tha(y raft y the marder of days In, the berme
p to mandrill on is defy bob, there may be is
rya vnybrnlpms bdwaan Oft plolethan and Oe errant of
b. I ms Dods Y a N ipww 0 s chain of W. srtamml
term m''BdehasW ILm Towme arddtlply the
kupwTat Ns:n Paym me you nor to W we be cmdhVd m yam anion as of tht budrew day ws most- it, proNad (1) you sad the bottom Pordert of this Statement and yam check
n tM anclwad radttirrim awypo and (2) wu paynam h nwived n err poapyrp tamer by 3 p.m. Er (12 trim Pf). Nww aenw at Iwstew (6) Ilu I days tar poste) tied
PaYlnrlu mplved eY W at cry ether locatlrn «n cry oOw tam nmy het 6s emdteA a d the day vw restive them. Qr brMw aye am Mori Oaottyt Baptisty, aalkudtlR hotOtYa.
Neaw de root cuss da(fM t>per is, etC. vthan ?pymowur When you std W a A " (s), you aWedze W to nllaba a ens•Mw deewric 1mrlaOrr debit fiomylmrbait
P's we
tasam irks dead apsYm t Y c bank aomtamusing On check yo a papst dtsc thble n « naad the snit( cyder sot If stem by aansar on. N vet C~ process 1G trwfsr, you aWrdze other hem.
Financial difficutties? Ca,'
We can help! whatlr7nynurasallfst7-
• Good credit can be important for getting an
apartment, a cell phone or even a job.
• To avoid risk to your credit rating, call
1-8o"55-66oo to use our free Check
Your account is over by Phone service.
3o days past due. • If you prefer, simply use the payment
coupon below.
• if you have online account access, log on to your
account and pay now at www.capitalone.com.
The purpose of this letter is to collect a debt. Any Information obtained will be used for that purpose. 0414404
O 2004 Capital One Services. Inc, Capital One is a federally registered service mark All rights reserved.
Account Summary
Previous Balance $906.85
Credits and Adjutitments $"
tzrs $29.00
Finance Charges $20.82
PLATINUM MASTERCARD ACCOUNT
5178-0525-23384028
MAY 24 - JUN 23, 2005
Page 1 of 1
Payments Credits and Adjustments
Transactions
1 23 JUN PAST DUE FEE
New Balance $956.67 You were assessed a pas[ dux fee of $29.00 on 06123/2005 because your minimum payment was not
ou
d th
t
h
f
d
f
/
Minimum Amount Due $156.67 a
y
uture, we recommen
ee in t
e
this
23/2005. To avoi
received by the dux date of 06
Payment Due Date July 23, 2005 allow at less[ 7 busineae days for your payment to reach Capital One.
Total Credit Line $800
Total Available Credit $-00
Credit Line for Cash $800
Available Credit for Caah $.00
Atyourscrvicc
To mll Cad- Rdatl- or to mp"t alert or stdm card:
1-800-903-3637
Sad psymtab to surd ings to:
Atm: Ranittuwe Pro.-ing
C.Pied Oat B-nk C.J n on. Swim
P.O. E- 790216 P.O. Bm 95015
St La4, MO 63179-0216 Ri n-A VA 232115-5015
$29.00
Finance Charges Pkawme reverse ride jor inrfortmt irffornw wx
f Bdnurrdr
raia P `?l
? gtelK1a w
n PURCHASES $916.19 .07326%P 204% $20 .92
(':AAM $.00 .07326%P 26.74% $.00
ANNUAL PERCENTAGE RATE applied this period 26.74%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052523384028 23 0956670100000156675
New Balance $956.67
Minimum Amount Due $156.67
Payment Due Date July 23, 2005
-
Total enclosed $ ( ?
AcmuntNumbw.. S179-0525-2338.4028
Capital One Bank
P.O. Box 790216 llluiullilluuiul?
St. Louis, MO 63179-0216
IIIIIIIIIIIIItIIlllIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
Pkare vrimyolvartoant number -yo
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H- ft- Ahanau Phou
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#9017522074338331# MAIL ID NUMBER
KATIE BURD
m 1198 SHOREHAM RD
N CAMP HILL PA 17011-6135
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b. Fltranr tlherys. Trarractlorr vhHdh an not
foom?tM deb d?tlhe?ianrctlon?2) fmm dr dw?tlrf)
trmrocan is Pr.cer.d to you Arco" or 3) haw the
pct oals.1w d•r d tr orrrart WEm pmiocL Addilorrpy,
if ad not pay to'Naw palnc?s do Otvwlaer
yvtZr iapoW bYree comp tlr l bdrrw N paid in kill.
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gaud hem tot coma dtahp any blip patlod. lkhdsr the an max, or If Yr need a deaalptan of
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Payntsam mNvMstbryiuw,at any odpwbr,eicionwmpryrYomttyNaNrppoa?.-YknotW6hswtayMwNd r d tM OsY we nwNw 1hwn. Our 6tWhm drym am MadaY 11.arah 1 ewdWtq hNdaVa.
1. make a
fwa c= to billing cycle even If sam by scansons also. vas Cannot Process tlN vaWiwmNr?pvu a?Wwdze
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596750
L
Account S
One simple phone call
could save you up to
8403N?
or more
Previous Balance $956.67
Payments, Credits and Adjustments $156.67
Transactions $.00
Finance Charges $20.87
New Balance $820.87
Minimum Amount Due $24.00
Payment Due Date August 23, 2005
Total Credit Line $800
Total Available Credit $.00
Credit Line for Crib $800
Available Credit for Cash S.00
At your service
To nB Cumomer Relation. of m report • ket «stola oud:
1-800-903-3637
Sad paymab to:
Arm: Ranittasoe Processing
Captd One Bent
P.O. Bar 790216
St Law, MO 63179-0216
Sad iwquiria to:
=2;m
SLC, LTC 84130-0285
PLATINUM MASTERCARD ACCOUNT
5178-0525-2338-4028
See bade is details -s-
JUN 24 - JUL 23, 2005
Page 1 of 2
Payments, Credits and Adjustments
1 19 JUL ELECTRONIC PAYMENT $156.67-
===T:=,411 our account is fve or more days past due within six
past due, or if we do not receive your minimum
montldy payment fm two consecutive billing peitod; all rates may increase to the Default APR
previously disr]oxd to you All other terms and conditions on your account remain in effect.
Finance Chaigm PkxewreoaxfiA f iv0vRanriafarnrati0X
B.Iamrndr
'yrredro P.iefa Cawyatla?
tilt dPP ??
PURCHASES 6940.94
CASH 8.00 .07395%P 2699%
.07399%P 26.99% $20.87
$.00
ANNUAL PERCENTAGE RATE applied this period 26.99%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052523384028 23 0820870156670024008
Ne- Balance $820.87
Mimmum Amount Due $24.00
Payment Due Date August 23,2W5
Total enclosed $
Amount Number.. 5178-0525-2338-4028
P4mrpirtmermrdt amrlrerrm i/ed?wyr+ kbmwrarM -Rk,pwR&
sweet Apt
Qty Sues ZIP
Home Phooe Ala Phone
0
E..aAdd-
#9020522074338336# MAIL ID NUMBER
Capital One Bank KATIE BURR
P.O. Box 790216 IIInurlt1n11t,1t61 1198 SHOREHAM RD
`O CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216
I,ILtetilrtrrlllreelltLrUusrJJteJItl6rntlLlLt1„I,I ItnllLrrIll. tnnllutlBill nrlltgill t661t6tlultlultl
Pkare m tey~ aeraant number m yore beck w money mdo made fwyabk to CapltalOw Bank and mail in the mdemd ewwkpe.
r
Curious? Call
(800) 993-5066
or visit
www.Capita10neNow.com
for a FREE quote today.
CapiWO We j auto insurance
aaaa?
r=
8
o
r?N
In a few minutes you could be saving up to
$403.29* or more, a year on car insurance!
When you call, please mention Priority code 9709943578.
'Savkpe anextrb em Dassd on khetaaroa pramkan iNOmmbn Pot'>Wd by
Pxdrsrs d khehueree deouph a erniar proprorrh, Tote 2I3/20De b 11/11I20Dt,
pbcW M ri Ncsrhssd aprdt d khcLOpc C«paatlon (7rtKopc?. N atAGW d
Capkal Ore Batt, CapIW qr, F.39, and Ceplbl Ow Fkhrteld Capaallon
(cWeclNOlr.'CaPial Orel.
t' APM Cra UM hswrtco is brought to you by Capital Ono hewao Agemy
CCOIA'? N ar ab of WWI One. COIA Is a howtud Irmwarhee agency and
pre ?a mbm?llon n ?pod?ucY?I ??D?oduds
itUvbtrtly udawdkon and real as apgscenro wit ghtaNy far kheraares. Nat m
kuhaarres paNdM and prodwt bWm am ahmWtb fn aN stsen; tNe N red N dlr
a soldtatlan h rw 1n h ghkll fife Daldse a Prodtrd feMrras aro not
Opprovotl W -fa
Caput OM does not proWde, efKbm. or pamlM any thkdgrty Prodxt «aervbe
slwwn (here. INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER
OBUGRIIONS OF, OR GUARANTEED BY CAPITAL ONE OR AN AFFILIATE OF
CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC. ANY FEDERAL
GOVERN&ENtTAGENICY OR CAPITAL ONE. You dedeion to Wm ws irem-m
and yaw dike of an kwm«egat wit hew w acct on yow erogbity for ww
Capital Ona Prodct «seMm.
02005 CapiW OM Sorvkes, ho. Capital One is a tedwally M*Ierad
sand-mm AN dots -r-d.
tor. 4e- Period. You vAl Ww i mkhkmsn fynau pedal of
b drys wtdrut lhrros P -Nd pu?dww,
Cocoas trolas, rrwr epedal
drryM It you PW W« total'NSw BsWrs', h
aee«drre wbh ohs Urparura Nodes for paynmss below,
and In tins for It to be erected by yohr nod am?ro mn=
rd apeNd trrrfsra 1. added., chore b gre Pabd
N new trr-cd- H you do rot My the mml 'New
b. AA`h Fimw
Br Qrgs. Traraacfrr vAidh are not
arb(eR m • pro p•rd are aMereed Nrhnc?s drgp t)
berth tlr dab of tlr torractlN « 2) fmm tlr dam tlr
tr =abnd blproeersd m yetr Account or 3) from do
ut ?t ey of dr anaM 6iltp orlad AdelfotMY,
If pu dd not pay oho 'Now eelrhre fmm tlr pmAots
Wisp period h M, fkrrrs duryM xrtkaa m aue to
yov uipaid W Woe tacit the aphid Wsehce b pod h o
TNa nrsorr ohm you mry ate own fete"' drip-, In d
You PAY dr ardor New BYrrs Notated on the from of
you mxanrnt by tW rota anent tlaakp Una, hot rid
roc do w for dr pmMan Irlerd? Ur. IkhallCe drrp-
am added fo the •..y.,a-_?-,?.- eaOrhaht of yotr Axaar_
t C. k?imra Fitrra a+-y.• F« Md1 Nlnp Period 11"1
tort Nrhrhm drqu ma/drh? ham dr corn or yar
parlocc ram(A b br tWn My 60. we wii rbaad tlrt
amour horn Uri W.EO rhkiaaan •rrd tW dlfererm vAl W
bid m Uha pact- m =of
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t d Teepesy RsdraUan t Fkw am0? We r-ervs the
d*d to noottama- ow w all fit m crtpea for mw pion
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ally
a. Fkteohce dupe Is Wa4md by omMfpykp tlr d=
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by yr p dopy pstbrNe ramh? tM hem; been
pmNaaiy amide-d m you. At dr ed a ..dh day daYp
Parloce rw for sxfi
dr IrMV period - apply drr
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trarrae0ur to each aeNmk and mebtuct +M?aN -Ift
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3. Meal Presriage Rees IAPRt.
a. 'AtsN 'AmhW P dis 0a Rafe' . app-, ore
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111b atrtamat nwd 10 drANNUAL Maria mMp), VM padedoT64
rem and oNOMOrdw m6 duaermM men M
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4. AswMwt d LAtA. pvarioi and Raturrad Payrrrt Fl
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tell
Noted Wm tlrt oaar dump aory Nip period tinder **
tame d your awama apes-nt, ws mane 1W dgle to
wow or not to aaeeM NW bM wltl-t rotl1k 2- to
wltlrW wmvkp err dpt to aauaM Mme «drn.x
ate iator
tkne.
S. Yar Ameaat. H • rrwbstsNp fM
a,psam on 1W fret of flier amtNrat, you Ww 30
dayu Irorrt tW 4m /Ha wt-t-t wM moped to ye, to
avdd MY„0 dr tea « m irw merit tors «adted m you
ittaMhaa m aooaan W?dtad lrhbhp mm paymt to
rrrerrbeAhiO fee To cancel Lou aecetat, you mum
notlry u by eaM4p aw (?sterner Mtadaor Dqurlmnt
cold MY taH?ptorWto2 and M rtydry M
e. H tau Cbaa Yam Arewrl You cur repmm m does
yyaour aeeaat by rANrq err Oumamr Rdatlar
Oepuarmd. you mum ! yea erect Grd{a) ed
, r?rtd
scone ft acts- docks M pwkp,
end cease udiv you mccoud. H :T="
zad HFp arrmprnmtm, ws vhr?e ccon iydm
u
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eroca reef. AdcdarNy, you exam M Amt bs cooed
tmN vat Mr as anroteta veer ow w khdtrerhp srry
H•rr•adah. you Ww auWNzad lkuoha eh
doe tell, ovsrN beer, metumed tome MYrnoot le", amt
advarhea roll and d any adw tall as assaed to m y you
exam. You ere respuMtls IN Haas movements whed-
dry app-r co yea axerrt m dhe tens yyaa requen m
tlaM the aCCaart «7Wy ere kharred odwgrmt te
your mgimt m doll the axaat. TNU my reahtt h
corps ?Mhp o?yw exam aim" you Ww
yar aaruht H k I+M akeady berm doMd F« exahrhpb.
if you aaNorHed • Padrr loom • rtrrdmK and we
roceiw the trrreetiry fren dr rraeWm after yaA
erxruit fw been dddoo?hat/pdsa. Ya+ arrant wit W recperd,
rrm accout,
rd yyou wit of raeportYfols Tor MMterdt ?f
rberrep fee for your tdaxxat, dr fore wee xrKirm
m W =:"" em gnea pwniaed W &* .d b dw
expo[ w i4N MN In M a .-, above.
7. =Y= Ymu um or axou a court be
ith arty kmamx peubWv
S. 01e11- Mat E1e0-110 gook Cot-d- WMn you
provide • duck M MymeM, you -defts u dtlm m
uo k0mensdon from ypr cheek to nuke a or*-Vm
dacemde Md =T n yw bWc errs V a m
proper- llr pu cheek trrhaaerlas When vm
uo kWarnatlm hon ypr door to make N ebdmiic
hod trrriar, ftrhdr miy be wltfdrown from yar bank
eCue M moan M the amore day we neaivu yov
=11=4- you wY ?M mail. your dheck buck from
kudoaforl.
Ih Ca- Of Srmom Or Owed- Abed You BOO
IT you tlsrhk you W b wisp, « M you need more
bfamadon N • trarraetlN « W, wUb te u on a
aep.rem orlon r aoN am Pou6b at tlha .coma for
khQttM llOWrh eh the Mot 01 olio etammard. Ws anal
hex tram you tr late tlMn 90 duw aflsr wa amt You tW
hm[ te Wddh 1W tell a appeared You rah
CA Orr C uetaom F1drYolr raanber. but coop so wA not
smart of to wapeaad mover, a d-alpdarh of to aver
and N stprutien, H of rvA1lA yea Wave drm I.
of
N error; or If you need MNotrnadsh, a .41.
tW Hem y- ere tatrw /beat. Ym do not hew m pay cry
anarn In vAia?vre areA it, but You
0 80 o mpay 1W o1?7Mt aro M
In qu@W w. k1I-d * you nYN, we curt
repot you M dAmWM or tab any awto coNect the
ream Y. quMlm.
$,t Special Wile For Credit Card Rodamem;
If you Ww • problem vd 1W groapty Of
PvePenY or
haw tdsdtdsd In Ond Lllh pond , ,,, on whh the
motet, You msyplNrpws1tlyr d?ht not to py dhe remalNrp
prraetlenaaNNy wit r tlr IP,sdr?syos wm more tlwhsin
660.00 and tW µedre/ w- order In ypu home state or
tvithh 700 tNMa of yatr Itttrtirp addew. pt we ovAt «
?? saMz?w, M ptscrsre
are covered tayrdere arotohm «br?tlN d prrduM.)
Please remember to sfpt aN oorreaporhdahx.
t Doom not Apply to carsraar ter -ft cod acowrMe
S Do" ,W Apply to boYmx ren-«aolr card --fm
CwiW Oms mpMro Mpmtkn privacy pwoecdm: sM om
wsLefte at vrww. Can.
ak??m? mpbtsved camas mark of CmpkN
All doffs wrice a 2003
Capital Ow OILOUTAK
:=" « odor MdM pots= r «mu1 guy trhm M Mom
MpAert- u the aepeaoe daNy belles
Tor astir satprrt d yar aohm. However, H you wM th
New Bdrbo efhaw N yar ptwlar atatN-t h mil («
H yar new bmrce was sap a a asst aMartl, row
Z==." wi Yoe' Prled m ows «4«Jm
pllniaM the dally belrrse. W.
ulad.m tW wx.v city balrhee by adcrhp a *I dally
halsrrM topefhx std dvNrp tlr wm by rho mffrbw of
1W drys h 1W caret big ?• To Mlolms You t«a
tdkargryrs?rfdomdeP. ?m?ybyYOU ewmP ?Y ?w W ?
Mood Ore m oardr md+ ? ? U?rrs ? f?p
.W vedrice IrKw n dhb daYrlon and the auto et of
•hones crops awriy aoeeMed
b. It Ube Dods «N appmdtW free of Oft nemrrM
nett m ..Bdrrm npnoe?e.. -O Towvw ms?Wy tM.u.,
krpatat lblbc Psymwu Y'ar rrreB m w v? W «ecred m yar aooautt M of dts bdrasa dry trs nalw It, protldsd (1) you sand tM boHam gallon of tNa stitwnwd and yar arck
h 1W etxloaad rsrMlterrn erwUape std W yw Mkt b reoNved h ou aoosualw amx by 3 p.m. ET (12 rrN Pre. PNMa aNow rt bate 1w (6) bwkraa d4ya ter PaW
P?ytrrmtta redved W u n e1ry ca?Mar,kshecc•,Om a IpnlsNMy Myaalagm ?mnaayttnot bs aedmd_ n of tM car we malty tMm. W bukrw drp am MaWY 9Nw1?r paWda echArN Y••
awn kr 9m?i rtiRM-t o>) prs?drek Tlis M?rrizaQm?appmam A drek?i hN ywVedr? grdr?pckW? w? e?ems eH vw c.rrrol Proce.. dstWNtv??iou a?Whodze
w m mks . carp apkat Your bNk awoum uakp tM dock • PaWr doable«dodm men.
4
201460
KATIE BURD,
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m
R5
Call today
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or visit
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Personal Insurance Agents
available to take your call
Mon - Fri 9 a.m. - 11 p.m. ET
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? PLEASE DETACH ABOVE ? 201460
You could save HUNDREDS OF DOLLARS
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• Priority Code 9809943578
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* Savings amounts are based on Insurance premium information provided by purchasers of insurance through a similar program, from 21312004 to
11/11/2004, placed by the licensed agents of InsLogic Corporation ('InsLogl ), an affiliate of Capital One Bank, Capital One, F.S.B, and Capital One
Financial Corporation (collectively, 'Capital One).
You will receive quotes from top insurers awarded high ratings by A.M. Best Company, the insurance indusuys leading independent analyst. Ratings
reflect A.M. Best's current opinion of each insurance companys financial condition and are subject to changa Ratings are not an expressed or implied
'
s warranty of any insurance company's ability to meet its obligations.
r_
rar_
? t Capita/ One auto insurance Is brought to you by Capital One Insurance Agency ('COW), an affiliate of Capital One. COlA is a licensed Insurance
agency and provides all Information regarding available insurance products. Insurance products are provided by non-affiliated participating Insurance
companies. Applicants are Individually underwritten and not all applicants will quality for Insurance. Not all Insurance polities .and product features are
available in all states; this is not an offer or solicitation in any Jurisdiction in which the policies or product features are not approved for sate.
r_
Capital One does not provide, endorse, or guarantee any third-party product or service shown here. INSURANCE PRODUCTS ARE NOT DEPOSITS,
r_ OR OTHER OBLIGATIONS OF, OR GUARANTEED BY CAPITAL ONE OR AN AFFILIATE OF CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC,
ANY FEDERAL GOVERNMENT AGENCY OR CAPITAL ONE. Your decision to purchase insurance and your choice of an insurer or agent will have no
effect on your eligibility for any Capital One product or service.
® 2005 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved.
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Cap?,/? _ ^. KYFF
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Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF•1001
PLATINUM MASTERCARD ACCOUNT JUL 24 - AUG 23, 2005
5178-0525-2338-4028 Pagel of 1
Account S
Previous Balance ;820.87
Payments, Credits and Adjustments ;.00
Transactions ;58.00
Finance Charges ;19.05
New Balance ;897.92
Minimum Amount Due ;97.92
Payment Due Date September 23, 2005
Total Credit Line ;800
Total Available Credit ;.00
Credit lint for Cash ;800
Available Credit for Cash ;.00
At your service
To call Cateaw R&Com w to report aloat or stolen m&
1-800-903-3637
Send payments to: Send ioga'via to,
Attn: Randttwe Procewng
Capital Ooe Book Capital One
P.O. Box 790216 P.O. Bax 30285
Sc Louis, MO 63179-0216 SLC, UT 84130-0285
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.
Transacdons
1 23 AUG OVERLIMIT FEE ;29.00
2 23 AUG PAST DUE PEE 29.00
You were assessed a past due fee of $29.00 on 08/23/2005 because your minimum payment was not
received by the due date of 08?23/2005. To avoid tbis fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges Pkmetsermernsideforitspa maiq*maion
N Buss * Peri,I C.? WE
yyJrJb rdr
PURCHASES $930.97 .07395%P 26.99% $19.05
CASH A00 OMS%P 26.99% 8.00
ANNUAL PERCENTAGE RATE applied this period 26.999E
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052523384028 23 0897920156670097920
New Balance ;897.92
Minimum Amount Due ;97.92
Payment Due Date September 23, 2005
-
Total enclosed ; 1 1
AeeouraNumbs: 5178-0525-2338-4028
P4a f,?r.lia. ,6e%.. AGO.a? bLe, er u.,t e.,k
sa,a Apt 4
City snot ZIP
Han, Ph- Ah sau Phone
#9023622074338331# MAIL ID NUMBER
KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Sox 790216 1 t1 111 111 t1 tttrtt? c CAMP HILL PA 17011-613S
St. Louis, MO 63179-0216 m
611tar.ILt.rIlltrrlL6tlLtttt6lrrtllrllnnIUI I I I I I I I s Irrt116ulllnanlltullrllnntllnl6r661tlnlulrlu6l
Pkme tniteyow-d namder on y, rhwA or money order madepayakkto Capita! OwBma4 madmailin the endwed envelope
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Oar P rI.& You will haw a miirmp gran pedcd of
25 days without llr r dwpa on row pudrpp, now
Debora beenaten, row Spacial Puchate t rd now oUar
aceonrrtee with the kiportan Notice for payments below,
and in tk w for it no be cracked by you rota s[remera
pePedal VarrefeR In addtrrh, dara b grin period
onany trarsction if You do not pay the total 'New
b. Asrrbell Fb- Gage. Trarrecdar which an not
==== aR -T02d1 fmmfkptm err from t I
ractlar Account 2 dope the
trareaection st coland r Ndaa th y othehee the c errorWu bkep or 31 from the
first
M you Lid not pay tfo 'New Balance- fions the Ad Movious
bWq period In 6 Fu lccrue re,
you unpaid bWras until he unpaid helms r paid In irA.
TNe Reno that you mry si ovw [ewes drop, even if
you pay the ands Now Belras kbA.Mad on live font of
you ¦pea met by the noes stsratea t daft dap, but did
not der w for fro PWAMM rrmod Lkpald finance, ch W
aR addedFbreae _
tc. fAriu.. m 1hGirlie.F: ;: r big paledtlrl egrant d YOU A®rrtL
r.mwor lip liar k0o, z wi Oknatettsci j r
t
..runt ftan the $M60 rtnbtkrarn and the all- vAl be
billed to do Pad- ss=.=:: td. Tes"wery Rsirlrn In We revels the
rat to roads wea a arty or a fifes, dupes for any ghee
2. A eragei a belly [coca 1 New Prahrpl.
a. Rnrvea dope Is talodnN to 11 the daily
bairtca d pct segrtwt of Your account e.g., cash
aMroen, rrPs/ydar?p,?ptgdel trrrtar, ..d aparLl PudtpM
s lead dsdor0 m you. Ai the and?d pct day chop
the =X apply the PrIOAO rwa br each
..,ar .cacao to tlr bdrae d each
Sepaat. Then at the and of the _ Parlpd we sdd w lot rswln hprrt a.h s?spnrt a rdvo oWOaul?Pa dO
Ikhrin tlrrge for you erasers[. To get tar
hdarrce
Mail
for each wgnrt d you aeootnt. rweWtab tlve
rrid?iny irredhrps nlaswed dice preMar
days fat that aegtwt. We dart subtract red
iti? or credits posted as of that day that m
m pprpt. 7kY dvw u the aspsrats dakf agbalrrnoramd
for each pglrlrt of your amount. l(Dtyataf, If y0Y the
New Balrce alhovwh m ycr preNcve .utrrrrt In (a
W), row
If your new bd.
tRrveadorhs which poet m ywhr pudra ah
begi balms of aoaachmseapnett each day, add ratty raew
a creM (s. 111M codsrnds N appear an theract
font of tiler
statement now 10'Balncce Rata APded To,' we arc
stsaract any unpaid Snamr tlrpe (rdrdod in the baleca
of each soprarrt•) Two Aiwa u tiN defly balrros d each
7tan, we add up so tier dsPy 6alrwea for .on
Sep w for rho bi paled and dvtda 6y tha tad
menber of days In the hlNq P. Tli gives u the
a daffy barncs of each sepnra.
3. A..trl Rates IAPR1.
as
.. The term 'Anwl Moenteri say appear
APR' on lire firth d "MR
rrn L
b. if ties code P g'dmel, L (3-neo. LIBOR), C (CaNicate of
own m the pedode retaY), -A p-T-
ratea ep mtraaPOrdrr ANNU/LL PFACBFTAO MTFS
wY be aflsall" on the Mat day of your
weed byy0ur pedncc..tud@m rl -frog
the rtnargin pnetiaatiy diclose l to you Trop dhan0aa
vA be oHoedw on the lost dry of You Wing prod
0. Arrtrrt of labs, Ovargarb and RM-Nd Paywrt Faros.
You mart will be assessed m men the two d the teas
flood haw that acct duke any big posted. Under the
you c..asu .grasntsrt, we srve the o¢t to
tame of
wive a not m pee:r-0: p we rasodors the radon m
walnut w e-v to .par the came a aktdar
at . W. lima.
S. Your Aeseut. If a metborehfp faro
a)ppre on live front of this staamae, you hew 30
d.W frOnrr the dam this evesentnart wp an.Bed to you to
.wed peykp tins 1p err to hew such fee cradled to yw
if you eantal you account Orrkrg this Dtard, Y.. my
to - m..rberalip tes.To unoN ?W without hm*q $-a youryou .mr.t. You a :i
notify u by calling elr QeemN fidatiar Dtperlmene
and WY 'New B arts' M ktl IetrArcrq the
mentbsRNP tea) Mier m tlo end d the WRY+rY Wdod.
9. yHyoaYureu Clawt W Vanier cad You can raqueed to ripe
Oep.rurrt. You coact destroy TOOr CreM ram(s) and
..coot - dvecb, cared .1 pronModzW Wkp,
.cad esap .coor.t. If you do not e.rcd
roozo of drips yar aratim m rsopenyau
.mwo.
uhti arras, you .moat s I not in dcaed
you pay A erg ..casts you over u kndduernQ: my
you hew .utlaozad, fkwtor dh.rpp, past
Z=7
wAnil leas, aaln ed WYrrent teas, cash
advrce teas end arty otlhr rap ==. you
steam. You aR rasprhalNe for wherne,
troy appear m you rxoun at the time you repast to
clop the eccc.t a they em Incurre 1 atbeearrt to
your reghveat to cop live aoecan. Thin m.y rea It N
drargea apesarkhp m VOtr aCCOat ohm yid hew
yar account if it has akesdy been dosed For exwWio,
f you aWorh d a puldwe horn • warfront rd won
recalw the t fern the merlon after yttu
account[ Ira been your =will be reoprved,
the se o nt d the wi he added m yaw a cast[,
end yyoouu vei?l be fa paymat. R tiara N a
rrwrnberStip lee for account, the fee will continue,
to be r•J=:h' he 6taenkmd b( Nw, utA the
amour p been Paid In hN p deflrod above.
7. V1ribrhgp Your Aosou t.YW nod or account c.mot be
raedlo connection wit, red [tent ON-Wing
S. Nara About I]ala I Chwk Cwwrsirr. When you
providr a dheclt p you authorize u abhor m
ore ktOm.tirtt?cl. m make it
otve?krve
eNworic fud frdn ywr bank acmut or to
prmsr the ymrt p a dock aanaection Whe wo
up Momrmt kern 11oy ck m make an deGrate
fund trawler, fund. V ba woMdrawn fern you brit
account M Scot) p ihp sane fry we MOMW your
paypayr ?alard reWve you dick beck front hyw will not doutlem
BIWNO RIGMS SUMMARY
(lo Coe Of first Or Oupadar Aban Your DW
If you "brit Wa W N vJtaq. o H you need more
Inlotnatan mat a W, wpb te u m
err .. sheet p seen n= ==W.
down m ri font of tli. count
hear how you no later that BO .ibr vra art You litre
ire hill m which the error or appeared You ran
call ou Ctrtww Rdatic(r number, but doing w wN not
pprpeaeerrww yaw [seer. fn rtNr, gal u tive fkiowtp
kdattatotc Ytv mama gr aeearti radar, tfa to aft
smart[ of the wnpacpd ? sra, a daaeaptlotn of the error
.cad a e)pNrutlary H oo?hls d you bageee there N
an enor, a N yttu coed more Ydonnadm, a daacelption of
the item you en u iew about. You do not he- m Pay any
r abv vtyNoepx a d yar uBBIf tlrtrunrsat
erne t you gn-tion. YWae? tuialose?
4,t SpKW PA For Cretin Card Puninews
If you hews a pmbirn the guaPY d property a
ssryiosa flat ycr vttlh a coact can rd ya
have filed N UM owed tiro Paabfrn with the
mode ni, yyoiuymsyphave,el he rat not to pay the wmeiing
450.00 W?W VMS Intend, Iwo of
within 100 mip d Vat: ip address. B111a own or
.pecan the mardhrt, coif w i coshed you Ave
Wvathewa t for live pnpNly a seMcaa, a prrdtear
an mvared ngaMep o1 mason of
bcaim of purchepJ
Resw wntetber m alph an
oornapridroa.
t Does not appfy 10 0000rapr now-crod# card accounts
t Dots not spply to busbasa non- volt cmd accounts
CeoiW 0 a e pporle irktmatm Miwcy Mota.g- ep our
vwDake at www. oven.
Capital One Is a ally registered esMce mark of Capital
One Firtrtial Cerpaatlat rights re*Kved. a 2003
Capital One 01LOLBAK
the days in tlo current bib.. cycle. To taleWm your Wtal
aresnaa daps, MUO Vero overage dally bdi nce by to "ft ?Y . I" a= on . daily
Might walonno a p ?N agransadd. calculation ss and the emcant of
b. If fieoddsY a m the tons of this smtenrm
rave to 'B.1- Ram Appird To: we otitiply she
hgrartrt Eloise: P.ymamayou m.fl m u veil be credited to your .ccaro u of the buaMn dry m receive ft, protded (1) you Send the botkrn Patlm of IN@ natswert and your clack
in the enclosed rralturtn anvdoq and (2) yar Paynvem Isrscalwd in w pa --cots by 3 p.m. FT (12 roan Pat. Row allow at Neat tw (i) buiveae days IN portal delivery
P?ytnsne facalwd by w at any other beetlart a in my adrer loom may ram 6s aadmd p d the dsv we [salve them. O r bubvep days an Macey lhagh 1? rxfulrq Irgdaya.
Phew do npk veer papa eras clan pagding eau paltpm When ache u a dveekW you auMrdza W to make a acre-tNr aNctwric tramder flan yo r bek
smart t rnwn d ThN ap m" d 7M biro cycle evm H set by somorve dw. If we caraot procew varofsr, you aulodze
check, w to mks a charge agairm your bw* account using ft a paper dte0btnoel
CapilalCw KYFF
Kee our
Finance.4 Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
Q? PLATINUM MASTERCARD ACCOUNT AUG 24 - SEP 23, 2005
5178-0525-2338-4028 Page 1 of 1
Account Summmy
Previous Balance SM-92
Payments, Credits and Adjustments $50.00
Transactions $29.00
Finance Charges $20.85
New Balance $897.77
Minimum Amount Due $97.77
Payment Due Date October 22, 2005
Total Credit Line $800
Total Available Credit $.00
Credit law far Cash $800
Available Credit few Cash $.00
At your service
To nB Customer Rdab m a to report a tort or rtolm cork
1-800-903-3637
Send ?"Monts to Send inquiries to:
Awe Remiu-oe Pr-us
Capital One Book Capital One
P.O. Bas 790216 P.O. Boa 30285
St Lou]., MO 63179-0216 SLC, Ur 84130-0285
Important Acwunt Informadon
Twelve heroes of college athletics are competLng
the honor of Oa National Mascot of the Yea - and
you can help deride who wines Each week, the mascots go
had-to-head in competition, but only one will win the
coveted tide and $10,000 for their school. Go to
capitalone.com where you an vote daily for favorite
mascot - and dOnt fotod to tube in to the tal One Bowl
on ABC on Monday, January 2, 2006, to we who wins:
Payments Credits and Adjustments
1 07 SEP ELECTRONIC PAYMENT $50.00-
Transactions
2 24 AUG OVERLIMIT FEE
$29.00
Frnance Charges Pkaera r crud ft important in s m&ion
a PURCHASES $909.69 .073"%P .26.99K WAS
CASH A00 .07399%P 26.99% S.00
ANNUAL PERCENTAGE RATE applied this period 26.99%
v PLEASE RETURN PORTION BELOW WITH PAYMENT v
Gw?ft- 0000000 0 5178052523384028 23 08977700500001097775
New Balance $897.77
Minimum Amount Due $97.77
Payment Due Date October 2$ 2005
Totalendosed $
Aeeomat Number. 51750525-2338-4028
Capital One Bank
P.O. Box 790216 L1ululrlln1m1dn1
St. Louis, MO 63179-0216
ldlnnllunl?lurlldul?uuJdudld?nuJLllu?nlr?
PIMe vsiteyour aaxunt numberon you
Pfe-Peiae lira r6eges kdaes sand H-- blck mL
Saes Apt !
San
Home Phom Alunan Pbom
#9026722074338336# MAIL ID NUMBER
KATIE BURD
1198 SHOREHAM RD
° CAMP HILL PA 17011-6135
m
° ? luill?ur???nun??ut??r??nntllu??u?n?n?n?n?ulr?u?r
rbaak or money order madepaya6k to CGpitalOneBank and mail in the endared enwbpe.
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ta. Aar Perbd. You wAl taw a astir - grace pedoA of
M clays vtklrovr Artrtce dta on row puttMrea, row
batanoe tnyrorukgnyrow 4edel Dl+dia•r and row atlnr
uWh* s fhUmmbe hyoran t by v- states t?dor+,
atd h tins for aaoked by o nn¢ statemem
adM Radal is IN a dd period
n mete aen -led
an any uvreedlon If you tb rot pay the total 'New
b. A*-*, mmows the trw .sT :lard Arch date t 1)
barn the hb of peso t+erraWm a 2) 11-n the daa the
tratttlctlon fo ptttrasrd m Vatr Aacmn a 31 fmm, d.
Ater d
tN d mt pay othe f tie eal Gip pot{od, o pr Mo"foua
H you
in rot co five,, Ardade fit w fo•l (mm do
6iq psdod tie we rpr oondritr m scene to
Wur upaM bYann udi ties utpsid bYrda Y psid N Iuti
Ti msnr tfat you mayy wi owe Srd:o drryr, swn f
Yates pay the erdim New Averse hdkared an tlts frotr of
you sbwnalt by de lard -a wrwrt doWtp dam, btr dN
rtat to r for Ms P-A- avadc tk"N Arrtce mwfps
am -did 1D tlr a?obb You Ataeaan.
t? v- res??sct =-2, 6 ..h
o q Psd°drtdtYrtssn
cowl RIagMCE Wg4sAwD `orfY?5$&60 wN bbeepNferpaotlrd. Hnorr
parNderewW?la Ib. the Ao 60, .vo d? onreb.cotfyr t l 1
sm-A hwn rho 40.60 ntknnttm srd the dif ore ce WM be
bANd m rho Pudar agtwd of yar aceotad.
t 'L Tewywrry RsAralon in perms Orrys. We trerve the
ddd m not asssse s W or r A- dwrp s for -W gh-
7. A bwrsys?rp pwbd. 1NOp tla dWy
a. Patanco W N calovlalM
balree of sm -atPasn of You amour (sp., tam
adv-res, pudrr, apedw trrlMsr rd III ptrdtre)
by Ms terraspattArq diy Patlaac rab(y Utst M beat
pmvatm*y di ciloord to You At the std of each
asprwtt d yar aeuwd b tlrdr?Mryy kWrtr day
aavttrr Then, at ft end of Ar blip Patbd wo add tq
rho r-rRa of 1Mr" olkl wlrr m rdve st Mar
patindo Artrae dap for rrh sapmrd. We Z& tip the
taaatlw flan aadr syeaprrrtt m ardw w the teal pedode
five rm sgrrrr of saassor todrndsdT,.,t beher.
&W y
rrd tr fpoerr ?wt Ar rd rele??d»?0?'s°A M111 rRtp
day s bstrws for tlr[ ssprd. We thenlsosd st bttaa PaYtrterrw a aaAb posted r of Met dry than -2-.d
.epg
nt aapmrn. Thus dvs r tie =n bd-
Y t of V acrntad. , ou odd tlts
you pwWr attenrern N AJ (a
If Yovr new balyda wr zsto a a twdk aeroud), row
trwwaadate wndm post m you pudrsr a aPSCIaI
ca tlr Mdsrotyt tobY to daily bolownIs. sddrq Al the daily
We
b-Irtra topeMr rd dvNrp tM ran by de ember of
the tirye N the c-mm bMhp cycle. To WNste yory total
daypstIode:- amend q. Awe s niberdeybai tl,ebNiq
psdotl de m raatlrtp on • poly bris, then may be s
sAytt wUdrwtepes battvaen tli esloAaddt rd dts smaad of
b. If Ate?cods Z tram of Ws awomad
man m 'B i Iba'a'ppAeda N ippesm m MsTo,' we ndAdply the
' ?taaeapdnt==y, addany nca cmAts. (11 code N appears on fie ="Z'
aat-ord rten m'Bsl•me R•te AppMW To: we abo
0161NICt anY Wdd 1 deep NWalsd in thtr WL.
of each s;ptwd. Biwa r Ma ddy blattco of each
aopnad. ?zan, wa add tq aN"poly baWteaa 4 each
3. Alessi aver as-yowRatree sof(APRs. sorb aegttatt.
pe Rati may appeal u
a. TfeAPR'benan'ArrdWern
Me PeroanaMfostnemrt
f of
b. If the code P (Prkr), L Byre. UBOI I' C (Cettifteate of
DepoaH), or S (Urtkeard Prkne) appeen m tlts tarts of
tN•esand mtr alatenamapa?teat mdtqtlrANpsdIMoA P6iCBifALe rn-NI. the p=REAT
sit MMT13
may wry quatlady nd may YUdr?Neasa or j pmaee basal
on ties stated Ndkwa, u?M TM WY St-w
T =c=AM 6a?s}ISetin wren Y Y?
In" .kiyatd Onaber. ??
c. If the cods D (Pdm), f (tym. UBORI or O (3-o.
ODOR ReorI MomhM aoo m m tM fmm of .e.a
Innm A )NA A PH D IAOE MTER clay
may In Tim ea foul a Siraat ?ased Pie
dotwly ddo-ad m you Tlesa dater
e on Me Atr daY of Your bMNp Period
Aaar -* of tab, OrrOtd aml Rabwrtad ?wmadt Feaa.
Y. xeatad wA ire asa..d ro mina Awl two O! tie foes
Mated hem drat Doer rkaktp arty b! t Padod. Under rho
terra of Vm ouwamer .paamarn we rwrw the ddtt to
veal- or not m arses wry fires wltloe coda rtotifr?tlort m
wllhova wNvktp as din m aas-s 1M sure or aMn
at ¦ Nla 11me.
Yeu Aaerar. H a rrtamhstslnp fes
apprn m tM 11orM o11hM sutamern, yew hew 30
Jaya honest tM dab Mfo suterrm wtl m•MSd to you b
amid payYtp Uta fr a m law attdt Ise asdtW m you
if Mow r?tteN sou aeaa-d. DwktM Mh Pedod, Yow may
eadntls to tr. you atrootnt wndeu tayYtp m Pay Ma
^aMnerf?V by a Qrtansr'RRIM. o pMrtmerw
end paV plan Naar Bwancs' N fiM lsrsdttawtM the
mernberrMp 1r) trbr to the end of the rirtydsy pedod.
N Yr Came Yeu AsruR. Ym pan teyurt to
datl
yyoouu •ccotae W caitP m Cunomaar RWtierw
Depatwtam. Vau mtwt drtmy your aaAt vapid and
aocotan sccer deck., tared am PMWAhodzed bMktp,
end - Wrtp Vote aetzud. If you do not camel
Pmawdadzed Nit awe via"wr, we VA acpw iydosurr
receipt Adddda" W? modwad-flon wY rat ba lord
account.
Mill VW PAY .1 am ms Vm owe a Ynlu' g arty
trare•CMae you Mw atdedzed, Marne dorg s, Pen
due foes, owtAmH fie., mtlnrd pymern ter, tam
advance toes and any Ater feu arered to plan
Dccotan. You am mapttsNo for then amarda wtmMt
that appear m Mau aetoun at the dme ya mqamI m
does the Decoun a they am htsrmd atbettem
Van mgtew to does the amaad. Tli may readl M
clarpes +PPaatkq m Yota avant a/1er you hew
H yaryou -scoop If It
we
fw been dosed rv ofmulpb. m-6- the tr he yrw••afrr f the rona maerdem -wt a.Imr es V w
ou
so count Its been you atxwun will be mopw d,
the ryYawnuoudof the wM bs elided to Yota ocrnutt.
be Is for ntamstrtp fee for •ran6
the pas wf cvrcivte
m be dwped, m thebm t by aw, unt! the
pxy
-, blattee hr N iW r dMkad above,
7. yev Aaeaad cold a acroad rartret be
M Isrvteetion wWt Wh, any imaart parrtbWtp
trarrectione.
S. Ntddr AbrR Elsrtrarie iG7rek 0strveral- When you
pounds • dark r WYTad. you stRedze u aMtr m
ur Nfirtrrtetkn horn yqr sleek m raNre a eta-tNro
decwerie find nwfer hen ydr bWc •ccpne or m
pnoer Ar payment rI a tlrck trraectbn WMn we
tw
field ww t hen yqr peek m Hoke •n electmrdc
tnerwF far, fiatda M wWdr-wn film you batdk
ataaad r f0era tl day - mod" yqn
f npelue yow dart 6aak fiom
BIWNO RK*frS SUMMARY
(Its C- Of Enna OF Ot uV v Abm Yoe BM)
If Mott tltki yoaa bw h wqq a H y- r -d move
Mfomadon on • traaacUoh m bill, -Im to a on a
separate sheet u corn as at dts addtses for
Ntrylitl drown on Mr of Ai awtantarrt. We must
can lobes chest BO ds? afw w- seen You the
hAsmsstbM Cu wn faerrr you m
Ma anon?.a patlen d dpV s Vau ?
Orr Customer ld•n
Relstlyada?rhar, but ddhnp r wU not
Pretlrtw
A K Mehln •tM •caaid the d es
M?nrefoam•NnotlfY ttM ntep•ctM aaa oorrt a desodptlm of the snot
and an aaplretim, H p wM Wu ="of"
r error a If you - da4
the item you M loom You pot la w
in
amend t}w-Aat vtlie we am NteetlosMbrM?fo It, but Y
M abMQ!ISd to N 7Mprts of yqr clot ,m na
a
m vest w rare r a y.MM any Obam action to N a- . ry 1eat 1h.
the
You =
i,t Spsdd Rde For CmM Cold Rathases
If you taw a pmtlwn v ft Me 4ualllY of property a
rrtlor doe you wfM • ands and and van
haw Itlad N fahh m tw pmblwtt whh the
mamhrd, Mau nay Ira- Mir ddtt IM m MY dte remakittp
arrtatm this en Me ptepart a ssrMco-. You law Mfo
e1UUee p**Sdt= coke waa man Mr
l?A 1 rd de Pwdaea erwde Inplan0f team
state a
within 100 InRr of your address. we owl Or a
:=a Ma matdlrrL or if m I you the
adwnhemertt toes Mt Prepefhy a salvor, b purtlutls
am covend regard Rear raneritim mosign ol/ap?Mearre rode ice, of prdar.l
t Does as apply m taneuzaar aenri• 0 nerd aceotaaa
t Does rot apply to Muutoae ram mO tad eeroutta
Chs attpports NkrttNon privacy Pta sr m
action:
w www. cornmd asr N
ons fo . AAy r:pistaoa I inawk of GtiW
VF7N artcl wpmltt•nco Yco IrteY m u V: be u-dnd to YOW -comp as of rte buddr dry npamr. FT Iealm h PmMdsd (7) You end Ms bottom poNm of thM atatwnerd and you deck
Paymemd mcoiwd rvNapt and (A VOW In Is rocoi N
yv0 c- Pmwr comer by 3 ll m-n Pas. PM-r -bw rt Nest Aw (6) bukwr dM fir Powr
by w n arty ~ location a wry otlat Mm my nut bs a.dwdkt_o r d 1M dd-ryy vm nedv- Mom. qr buMw t1-ya m MadNY
P*- t lldouar grttryp,
Rear b not taw -lagtl ;pd, sae, wlNn papad=,P7 d a • deek{>J you auAedze u m reek. -and-tNe -Nenaic vogh debit flan MbwJc n.
attend toes tits rrotar of 1M peek TH- wttlerhadon rm. What you daekd ndralvM dwkq 1M bwrq type -was it rm by aamwe aNs. It ws carrot Prooe-- M- trtlrwter, you audadze
w m mek. 4 dap- again You bank avowed cadre t w check., a peer draft a odw titan.
CApita1C• KYFF
Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
Account S
Previous Balance $997.77
Payments, Credits and Adjustments $97.92
Transactions 1.00
Finance Charges $20.02
New Balance $919.97
Minimum Amount Due $24.00
Payment Due Date November 23, 2005
Total Credit Line $800
Total Available Credit x00
Credit Line for Cash $900
Available Credit for Cash $.00
At your service
To on Cm iaer Rehniaramxlartatatastolm ork
1-800-903-3637
Send psymmu m: smd ing'id"to:
Ater. Rem n- Protaring
CapW One Bank Capnal Oat
P.O. Box 790216 P.O. Boa 30285
St Loi1s, MO 63179-0216 SLC, Ur 84130-0285
rtant Account Information
Twelve heroes of college ath==V. nt?g fthe honor f tan One Na?onal -and
you can help decide who wig Each week, the mascots go
head-to-head in competition, but only one will win the
coveted title and $10,000 fa their school. Go to
capitalone.com where you an vote daily for
yyaartnn favorite
mascot - and don't forget to tune in to the Cayh One Bowl
on ABC on Monday, January 2, 2006, to we who wins!
PLATINUM MASTERCARD ACCOUNT
5178-0525-2338-4028
Payments, Credits and Adjustments
SEP 24 - OCT 23, 2005
Page 1 of 1
1 15 OCT ELECTRONIC PAYMENT $97.92-
We appreciate your business and you deserve great benefits. We'd like you to know that your
Platinum card benefits have been updated. For details, visit www.capitalone.com/creditcards and
dick on the Guide to Benefits link. Thanks for choosing Capital One.
Finance Charges Pkme in rewneiukfir important 1In
j
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a1g
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Perprla ?
y
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? ? b .l 17?11CVG
PURCHASES $97" .07600%P 27.746 $20.02
CASH too .07600%P 27.746 $.00
ANNUAL PERCENTAGE RATE applied this period 27.74%
PLEASE RETURN PORTION BELOW WITH PAYMENT
CAW 0000000 0 5178052523384028 23 0819870097920024002
New Balance $819.87
Minimum Amount Due $24.00
Payment Due Date November 23, 2005
Total enclosed $
AccountNumber. 5178-0525-2338-4028
Prk-t-d Aa.,.dms.ekr -.f K- .rMk E
e$aen
City $ne ZIP
Home Phoa Alnemm Ph-
#9029622074338335# MAIL ID NUMBER
KATIE BURD
Capital One Bank ° 1198 SHOREHAM RD
P.O. Box 790216 111111111111111 1111111 n CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216 m
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25 days vdtru Irhreedasaps n rave paachros, row
spr3w puerK. ad now odor bssre° o
S.
.
ar m ears
ch+ipr it you total 'New Baum', I.
aamrdares Wkly [Ito srrperrmr. Node for MMrher•+ wow,
a
a credo. Of tha
shteamm nom to
ad h thhhs for k m he eteaMed W ya nod ataoeiner.
aioahp afooe_ Them b ro gran period n hawk aNIIKr
riod
h sabtrac arty [raid
of aaaih st?nem.) 7
wo
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men
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ro gar pe
ad apedal [rwrsrs. ti adagton, awe
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g
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aepmem b the hi
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b. Aaarkag F:-- alhaap. Trarrxtar vdndh +ra rot rhunba of alsya b t
aver+po defy bwah
aaata7ec m • ._ perod am areard Mans dupe 17 3.
from the dam of the t[ammcdon or 4 from the dam the AmM Pareariegs pr
a. The term 'AmsW i
de
uft a 3) flan
uarwaction Is pmraard m ypr A API' on the fees
g
Shat award" dry of tae avtetk bi•Irtp pedod AddtorrSy.
Prsvfan
ooutr ad rot PW tie 'Now Swarms flan the
if b. If de code P IPdne
(Ban
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yy
d in Hd, lkhslrs chrtOSS tsnwnw to sccnm to red
Thor Mimic Wu merry atY mew hwrs rlrrges, even H
f
fi "- MW
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on to stmd hda
e. o
You PW to arcs New Bwres Mooed n the
yar srruma. W the tae ata0anmt doaorp dam, but afid Jared, phw tns m
rot de r for the orsh.aK anarhth Umpb Inhartos chapea Tress dh!ih4e, r.H
OhwM. Far sadh biNtp pear Wt
to.-
=Emma
sdsu. h sego. m a tars drrys. a mki[wn
pNANCE pMAf7E of pp0.60 wi bbeepinpossd. M the
low p de t?r1s&%.." d :[ iof o, ,",A wi""tloruct t?itr
amda. Han fhe M0.60 nnhiramna ad the Affaahn .0 be
bid the Pudrr r?rht of rionr..
t 6 don mo rat d rsr asse@ WW hW h[ « an Y Swh ri Owge•oe dhawarpr for ra raw aW d'h
tp. to pr?m
2. A bvr.Mrq iaM Wrw {Nsw Arirsr).
a. firnanc?s chsnpa b rlansrd n./dplyinhp M de•Y
d, M appay to hinny prbaa raos mr ra
r aaxaurt m the Wrtos of each
K to and of tfi. Darned. M add ap
nor da each ssq srtw K
ssprtwtt the
to KIM K the earlaal psalodc
for you amou.. To gat do 6W ownc?s
n ea vdr rms.. M tab fhs brolrtring
e -etmpe daily batmen to Nn
b the your amouk if H Iw au.edy ben closed For awnpie.
1W l[rs frem s m athem and M
pia wabmerd, we ta
h asprmn each day, add -v new Ham de mews hr. after you
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nerN, rd stdmract +rtY D+Ymreraa scn. Iw been doald, rota aoole. vat be teopahd,
appeals on the 1rem of ails
oe pats ,Applied To: M also Oe amhaut of to wi be aldd m year scnu.,
rd rya will bs f« P.Nnwn. If 1Nre h a
the fee vA asW-
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f
fi
li
e
n chaps hidnrded M to baleen
fws udare dMy balKtn of esca ,
r y.w a
p
ee
mamb
m
m ba c[rrped, m the pa«. pan.[td by low, until dto
Asl as Ife above
id I
q ag to daily balarhoss br each
rlod and a>frk4 W to teal .
n
aeew. Wlanr? has bpen Pa
7. t)aIr? Yom A°eeu..yom nrd or acco ma cam of he
fnp pealed Thar lows u the In azmraion aaakh arty Meow ilemrbkv
PIM ++Trem.
,pig, S. HaaarrtW /lhaa Anew.
t k'laabarip Clhrk Ooravwisah. When you
9 pale' may app., as
p provide + creak as P. you aWmhs u id- [o
:!=-b
imomwion Ham lblr duals to m+lu a attune
lament
3yhao. UBOiq, C IGmfiosta of
Prhnhs) apprm n tr teorht of .
s
eleaaoric tend trarrfNr lrarnh Yorm bank ao w or to
poca+• IN peWsar. as a cheek vruacilort When M
mstln Han ~ check to make at obetwic
AOE RATES
=AM' ur
Had transfer, had. may be withdrawn flan ywr bank
my Inewsae or dm«are based
p sum
Th
W woo mt as soon[ r tho same day we toeaiw yar
rook iecsiae Yam check bock Ham
mrerm
and Ye•' '
loud in
ar
e
ppasvfohdy dad.Nd m you
rbctlw n to Imt day of laorm ,
,
WY
Yehrr 1Yhallaiw kudnaatorh.
You psdoac Amemem amhdrq
JW ad Oeubsr. MIXING AIGwrS SUMMARY
(in Case Of Fnas Or OuMN - Abou Yam SITS
or H you ahead moro
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h W
k you
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address fa
separm swat r son r Pe°?° r
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no[[^ n
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has r Ham You ro hbr =a(rrdnan apposrsd O hdapys KtK M sad Year the
Ira bi n vhHdh ri error You can
to mmon Dr'ahiernly alsdoaed to you. Those chahgos
val be effeatw n the Sam day of Your h111np paid CA au Cup onrw Iwsderr as r, bw ddng r vnI not
Ins ldlokWnhp
u
oresaw Ya..d[? In V=1 dw
each MOVAL oar
[.r
InfamaYae yov rams , the ddW
f
h
0. As.-MeNt of tar, Ovaind and RaksnW Prysw. Far.
Vao aceoud Wi be arsard no mare than the of the fees
th
l
d
Ik
b e ancr
t
anmum o1 w sapa.*sd steel, a dreapdon o
and r Kpanafon. it Palaiiabof v*v You bellow there is
r error a K you need rMara 1o.ast-4 + dsaabHn of
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e
e
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v
wad has tilt Dozer dashq amY b!t pea
t.-. of year a.can.r .verve., M rerM Ir dpi. m Ur hem You am urns Moo.. ra, do not haw m WY +nY
wow a rho to area arhy face eidwR abr roliflealn m
v.dnut Mivfiq mar alga to saner the name a ssdar arrant han vhtir, !?hw are byatlpKkha H, but You
b of V•rm that are not
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appeam n 7N from of !==1 Nw y
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days flan the atsu thla marled b ya• m
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6. M Yaru flaw Yv Aaawt. you can -(tae" to dose
yyoauu aoeau. by C+irrg aw Camnamer Rwaterr
0p+nma.. rw rout dssfroy you craft nad(.) and p-rpah any wtwh t!p ptsrlyyr p.p von nrwa file
+60.00 sd Ss PEW" was nude in you horns stab a
vtlin 100 miles of roaring oddea ill M oven or
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adv Leos, ovatiwt for, surd MMrrer• M•, each
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a
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pudwe rgnrnu are me acrd m tr dilly bwrrae. We
ealodw the avera? dW baWo by adanp M the daW
balrhoss tapetler rd d the aaan W de atui6er of
tr date h tlr mmw bop avds. To W Wau you MM
Mara chorM ral by [ho nrbsr /tlply Yorrz average afagy Munn W de
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mpc? m'Iwsme, bu Applied To: we rm/tlply
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aliv biers of rch aeomam by var rrwvNv
krpKlati Nstleat Payrrmna you mail m w VA be Cfeded b your acnaum r of tr btakmss daY M raCNw ft, fm'aNdd (1) yw awl dhs baktwn game of his ad ur aiheek
h the uhclrad mMturrs smaioD° and W Wu gymwn h rscivsd h err poon4ap oernlr by 3 p.m. EF 112 noarh Pn. Rrr apwv K Nast t (S) buwrros?pos[w wry
fOaYa.
Paymsr.s mphd by wart wry other locator a in wry ot- farm may not 6s cndtsd r of 1M ddaayy M r=-- Qr buirmw Mys am MwdaY ttrCWh -:d..
MY.M orb not ws staphs, pPa dr, arts. vAnm pnparkhD yw paymwn. Wien you sad w a drC1kW, u m nacu a am4Yne sleebaric traralbr? Yard batik
acnum for to anmon of Am dark THh aW ww:atlon aPplos m a? cMelu mtxlvd dukq 1M CYds ewrh it rm by awnsau ohs. It M canna[ groove tra.taI, you autsdas
ue to make a chaps agwmt you bane acooun mahlg the eHrk a paper draft 0 ater ohm.
Capital0ne KYFF
Kee our
?nances it
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
PLATINUM MASTERCARD ACCOUNT OCT 24 - NOV 23, 2005
5178-0525-2338-4028 Page 1 of 1
Account S
Previous Balance $819.87
Payments, Credits and Adjusunents 1100.00
Transactions 1.00
Finance Charges 117.23
New Balance 1737.10
Minimum Amount Due 122.00
Payment Due Date December 23, 2005
Total Credit Line $900
Total Available Credit 162.90
Credit Line for Cash 1800
Available Credit for Cash $62.90
Atyourservice
To an Curtomer Relatiom er to report a lore ar rt•lai card:
1-800-903-3637
Said prym-b to: swdinqu tv,
Arta Rwutta Procuring
Capital One Bank Capital One
P.O. Bar 790216 P.O. Boa 30285
St Louts, MO 63179-0216 SLC, Ur 94170-0285
Payments, Credits and Adjustments
1 25 OCT ELECTRONIC PAYMENT 1100.00-
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.
We appreciate your business and you deserve great benefits. Wed like you to know that your
Platinum card benefits have been updated. For details, visit www.capitalone.com/creditrrrds and
click on the Guide to Benefits link. Thanks for choosing Capital One.
C mattce Charges Pkwe JU rN[rf{ rfd.?eforr Important infirmawn
gysdb prh ?AYK t .?IJG
N PURCHASES $73L43 .0760041) 27.74% $17.23
CASH $.00 .07600%P 27.74% $.00
ANNUAL PERCENTAGE RATE applied this period 27.74%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
0000000 0 5178052523384028 23 0737100100000022001
N e w Balance 1737.10 P&arepr&tdb-J.glvhdaaerWM.wM kurk.
Minimum Amount Due ;22.00 sreK Ape a
Payment Due Date December 23, 2005
City Stan ZIP
Total enclosed ;
AceotmtNumber. 5178-0525-2338-4028 Home Phone Alnmaw Ph-
#9032822074338336# MAIL ID NUMBER
KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 III11111IIIIIIIII111II CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216 n
N
IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII ? s IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
Pltare tariteyow aanunt nsnnbn oayaw rheeE err moary o'der madepayable to CrpifalOne Ban.f and mail in tJx eadared eavekpe.
Z
s
S
rbd. tau wY new i mk:mun grate P?oa of
s wither finrancs chmM on new, prduaes, now
barrbrs, row spww prduaeo and row other
If you ay your rated 'Nees Balsas., n
now wkh the bnporurt Notice for ptymama babw,
brie for It to be ctadbd by your roe streamers
drs. Thera b m teas p dod on cwh arl-
dal aansf«s. n add bra tram I. no grace p•nbd
[essaxion if you do not pry the tKd .New
B Fiume Chw9m. Trwased" vwNch am rot
ra • gram paded sm asesarod fl- = 1)
dyyesou did not p•Y d. •N•w BM.-* front dm pevbus
b+np Period In bA, lblecce d erps, coed" to aeons to
your utP.id In IUII ba=rs utl the updd Ddrrswbrp id even if
TTi• mere rich rrt• y? Pei owe fnrree
y- pw the .plan NawmsBd.nae brdcepA ands front of
Your staternerr, by rim cram st•tamen[ dodW dete, but did
not do w for rim PrsM«s mo dt, Uhpdd fktence dar¢s
•m added rao rich app?r . Far sorh ssgrrwt m you A
b op ¦ ap•c
rice ktiimo Fss tlrrp. fir- cchrsgm, • rpealed du[
.moot atb)ect vi W kn be kn
wtw of $00.60 .60 w & If
total FRANCE CFIAIIGE po•ed. If the
tow lrtarres dmrye flarnt dm appimtarh m
Periodic pu(s) b br lira 60, ws wii fr. Net
amen front dm W.bo miim n end the dHererrm sou W
baled m 1M padmw wpnsr m acme.
td. Taepa
noRbtd espsduesee n any n or Fi t.11 w• mrwtarrys.m dmryrpr ro for r any 1gk
rlyt pperroti ONpr
1. A Brag. B•By ri•bne• fbrtkwbp New Prd emewth
a. Firtertee daps I. ealplatN by rmltldWm to deRv
you At rho end of aedr day dakt
ply tr rriodb rsu /or es?
t m tiro bdarrce of each
'd m the prod, we add rte
y ;I bran m •rrM a
1« each aepntrt[. W? add rip the
rim m arrive a Um cord Perbdc bOrg
accout. To O•t the dWy balroe
r •eeasn, ws take rim W grrtrrrp
ar credits. IN rice code N approve a the front of tea
statement rut to •Bdsoce Nam ApOled To: we also
tebtract my unpaid inamce choMe Muded in rim Mans
of each WWwrent.) This gives u the &By Wbrtoe of each
aseg ant for Then, we to bftq ? psrwkdWard aNdeby the m for each
runnier of days in the 6111rp padod. TN. SI- u the
3. /4ssr1 .ra wr% dallyhe=nce m ash _W"".
The term 'hefro Psram Annul P. (APRI•
a. •pe Rau. may app-, as
APR. on the tram of .ester
b. If the rode P IPrimel, L L (3-trio. LIDOR), C (Cani6ceta of
raise and ANNUAL PERCENTAGE RATES
may vary qusnedy may nctnr or dectepe =sad
e the stated irhd..k as So" e in Tls Wag Seen
7tr Plus urwi ba?.fisau`oYn dryyau
bNinp pdadod cowed by , P•dodc sue«nrt adnp
In the month. Jsrasry, Apl, Jdy MR Oct•ber.
c. If fie code O (Prkrm), F (1. LIBOR) « G (3-.
LIBOR Rapdced bm. psrloOC pi.(a) Md. P ? rs an the from m you
LIBO llan rm)Q UIe p pane
and ANNUAL PBICE/i1rA0E ilAdTP9«?may
wry m«May a cosy Increase or dsusase b-M on the
nnad kdcea, p tatrd n 7)m W.N Sbaa J«nvl, pka
rich m«dn
wi W etlectllaww r an the dades lral d ed e dhrtpp
ryramyourY•u Thes bins D•rl••
4. Ara momrt of Lab, Owidt end Rebored Paysrt Fop.
you account vM be 'named no m rs ton two m Ms bas
Rated hers drat ems drktp arty blimp ado. Under the
I... of your aWanrhar alreerertt, we -- rim right 1.
wNve or not ,=:=,
o vi1v arty Tap vAdhout «lor noURmtlon to
wltau
vrdvbtp ow dgn to assn 1M srrm « Nrdbr
n a =Per tom.
6. Yw Asorat N a -baspP fee
apPeSp a 1M fret m =W=1 You Mve 30
m the dam tltb maibd to you to
avoid paynq the Iso or to hew such it cradted to ym
it you canoed you amtutL Burka Wa Paled, you may
xmkem to rw You amtun w[tmu Mvktp to psy the
Must
yo
ur by CaRirhg our Cmamer Relations aPerlnten
and Pey yam Nsw Balance' n itN Isxdudrp the
memWrrep ass) pd« m the aml m the 1NrtyEsY ado..
Q N You Obas Yes Aswut. You e•n rsgtmat to der
z account by celWtp ou Cualarr Reuter
Oep•"ment. You net d.atruy, you credit mfd(s) and
aocoun aeeen dwdm, ceneN al prsaudmdxed
nd Cans ud yew •cc«aw. It you ch not cereal
Pm•Wm - Nlrq arwnOtrsarse, ws wi ceeldx
receipt of a charge your atdrodeatat to ~ ypr
dayw a?ws w n ? doaM
wed - Peryalou
feem
dw ten, owdmh Mve tenstalrMed, p chaglp, Per
due , . returned ptwnew ymaE fete, cash
sdvrra fop rd Z=18-=-d to r. Y. Pero for amour wlstmr
they appear en you =wYou"t a the *m You request to
lop the amhtn o then Pep Tr*d MbrQlmm m
vors repeat w dote the axon. Ne mev mwM M
ydr .tmt.t if h Iw Mr.atY bee deed. For esanpb,
If you aialnd:ed . prwglrs. hem • m«dwv rd we
modes the trrr•otlat'fmm 1% merdwit earn you
aoean her been credal yorsaut wi W rooprred,
to sotorad of the the wN be added to your account
rN 1ywou w?i be mep«Mble fen pq+?ws. If tom b •
mrMeratep fee for your amoure; the foe soil condnrm
to W m he alters by law, u ra to
eecerst Ira htlen n f J l r dented about.
7. Uiy Yau Aeorat.Yew card or acoou t cannot be
used in connection with wry brtermt wnbip
trwcti-
8. NNba Abet llaasarid amok ASnwr.i- When yes
p,.ide .. hack as ptonent, you audodea u Ndta m
tam nbmutm from Yalu tined[ m make • onstlnte
dectmnb find transfer from you ben k account . to
gown the psynient as • died[ trwegim. When we
use hbmutlm from yOu cock to make mr, electronic
Mal t[rrfer, furls mAy, be wAdvl n from ypr bank
account as span as the rents, day we receive
Van
ym? meeive you draek bads fen
BILLING RIGHTS SUMMARY
(n Cass Of Fn= Or Oustlae About Your Bit)
If you Ihkt you bi 1. wmng, « N you need coos
nf«mation on a trap adlin « ill, soda ra u an
sepsr.t. el .M - span M po.YON A Ihe address for
h- ft= you w tower two, 00 of tMe sweetens. ddyp. tift. we sweet yomust
u tM
9mt bN M vJich the error Of PoIN•r• apPp1e4 You can
cam our Customer Relations maiha, We dokp so vii not
ppn?eo«atyae your dgdw n yVu btmr, dve u rim klowkp
inbesatiac your nenm and aorxtde
a description the dither
amen
amen ==- p?rmmtr description tan of the
and w P.:-" of Wrv you bdi- trace Is
an error; a if you reed In • of
the tram you •ro ?p?s You do not t.- to any
anpn In question v4:: na Irrv domrYrho It btrt you
.djL
m aril obioemd to , Pero m ypr 6Nilff w[ •m n ,
sot
reP•rt You n dalrrgrroM or te any action to eolect?the
ampnt quastan,
i,t Sped. Rule For Credit Card Pudmeea
If you Mw a problem west fie purityof property a
oweas totn Good telb to eorrard ym=-toW wYdh e rim paM- ? ?
Mw tied
nmMtrht, You coati heve It not ra aY Mwthe mgsin rtg
amat•rl due an the a rlm•. Veu 1N•
Pmtaeldrt eIV wtmn price sop nitro flan
460.00 and tfr prdmw made in yorr [wtm $UU or
vnpn 100 mild m yaw maim addrr Of -.o,.
oP•r t• rich neard"M a l rite _m•Wd you to
set*", al pumcfassm,
eduerdernrt fa rim PteopkrtYMnpat o
am ceversd eeOetWp 1f
r be•Ilon of psdmse.)
Rear tanmnber to sign all mrrotp«M«tm.
m and add =.: r tltanta cathe rev..
Post
rei
8
Om
O
LL pnp?r
N NA
t Does nor apply to coAerrner n0ecred8 tend IGe«eN!
i Ooss eat apply 10 busIsAw rrorr-c Cord -cants
One rpporo btbrpramon Pdvaoy Ptomdht: ace our
h R www. ern.
One b m rodswW rr[Im mark of Caphal
undal C«p«at n,:A l rights reserved. s 2003
or. O1L.3LBAK
Pam -.=Me
vws may m s
slim wdence this rskW.0.n and rim rrtout of
4 dwpe amrsly erred.
b. It 1 oM Dods 22 « N appaem a rim fi«n of tNs sratpnam
_rs# to'!j! eM Ra lypg d T*,*-
n trftrK : Pia M you nuR m us MI W asdmd to
your aee«n m of 1M buelrmp day ws n[xiw tr. W,4dW (1) you and the bergs poN)brrkmr m m rips nnamwn .rhd yew deck
anredopa and (2) yew payman b mcelred n ow caner by 3 pm. ET (12 rtaat PT). PI.•as aloes to
ben 1M (6 daye for poaw dWwryPaYtttsrtte received by u at any odmr bcalon «M ary Odra rpm coati nol bs peduA p m tr day rye ==.- O r bu*- dint Pero Monday thresh SaMday, asdu6rrR hoiGys.
Plaese do not ram staples P4adrmddpc sta. vdmn papark?tpppyeasr Pe att. 1Mrn aarrd tr a drat W, [a to maim a art?trrm ,, - , ion v
a arrbr dabdl tram Yew bait
US 1cc reak?e dm? n+Wrmt your Dark SaowrWin irtt #w dm*, a paper bah ow o0h« Mom. ft big cycle even If sent by someone alas. If we central pracpa rich trarmter. You au ..
/? pft 1C• KYFF
r Kee our
mantes it
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF•1001
Capita PLATINUM MASTERCARD ACCOUNT NOV 24 - DEC 23, 2005
5178-0525-2338-4028 Page 1 of 1
Account Summary
Previous Balance S737.10
Payments, Credits and Adjustments 560.00
Transactions S.00
Finance Charges $16.03
New Balance $693.13
Minimum Amount Doe $20.00
Payment Due Date January 23, 2006
Total Credit Line $800
Total Available Credit $106.87
Credit Line for Cash $800
Available Credit for Cash $106.87
At your service
To all Cu t-Rrhtimu or to report a lint ar stolm a uxd
1-800-903-3637
Sod paymmb to send ioqu to
Attn: Re ant Pro-ing
c4td0..Bank CapltdOm
P.O. Bas 790216 P.O. Boa 3M
St Law, MO 63179-0216 SLC, UT 84130-0285
Important Account Information
lesCap? One Bowl week ttme again Tune in to ESPN
and ESYN2 starting on December 20 for the best in
post-season college football action to we your favorite teams
fiyht for bowl championships. And on January 2 at 1 pm
(, be sure to tune in to ABC to watch the Capital One
Bowl live from Orlando, Florida!
Payments, Credits and Adjustments
1 03 DEC ELECTRONIC PAYMENT $60.00,
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 January 31,
2006, to reserve your copy for this account Orders will be mailed out by the end of February 2006.
We appreciate your business and you deserve great benefits. Wed like you to know that your
Platinum card benefits have been updated. For details, visit www.cVitalone.com/creditcards and
click on the Guide to Benefits link. Thanks for choosing Capital One.
Flnancc Changes Pketsler reverie ridsfa impmtmt inJ6rawtwn
en Ba,?awnn.4 I?niarr
ih ?llefb dl ? ?VS'i
N PURCHASES $702.95 .07600%P 27.74% $16.03
CASH f.00 .07600%P 27.74% f.00
ANNUAL PERCENTAGE RATE applied this period 27,74%
T PLEASE RETURN PORTION BELOW WITH PAYMENT
GRW0000000 0 5178052523384028 23 0693130060000020000
New Balance $693.13
Minimum Amount Due $20.00
Payment Due Date January 23, 2006
Total enclosed $
?
Account Number 5178-0525.2338-4028
P4arepnier.:a- ate., kA- oiwa M- ar Mk iwL
stt..t Apt s
cly St.n ZIP
Home phone Alt-. Phone
#9035822074338333# MAIL ID NUMBER
KATIE BURD
Capital One Bank
P.O. Box 790216 1119 n??uut?n?u??s? m 1198 SHOREHAM RD
?.e CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216 n
Pkare witeymv amount numbs on yma chr k or money ender rwadepeyabk to Capitd Owe Bank and mail in t&ene1wed emxlopc.
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.
b. Aan.iif aa tlrpe. Trarfasctlorr Wide aro ran
Fira wrap defy baWwe ad earn aepnan. trara. d-
rios Prlod ae aarsad Maas dare 1)
auubJsct u ¦ p 3. Arwd t reartge Rwas IAPR1. S. Nate Abut E6W- ? Clrak lbr -b- Wlan Wu
=
from dr d.u of line trrfaW" « 2) from th dsm tlr a. The tam 'ArnuN Wteanaps Rau' mry appear as provide a dusek w q you audrAts u .,.
trwaetlat N wc--d to ya+A.=" or 3) from do APR' on th lnont of Yis rtrtanem. ors hfomuadort iron ybur dwdc m nteto a omtire
irk obendar dsy of d? atrnark blip penlod Addkkrafy,
id
h "N
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tl
i b. If th code P (Pd.*), L (3-M. LIBOR). C M.Mliieete of
iq
d P
k
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n
f
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ak
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th
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bein epm
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the oamde p
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e peYm
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s a
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s
n,
ues Nfamation iron ykv Mack m menu an dsctmNc
p
g p
,
your uatpaN balrfo unf dfs uipaid DMero I.odd in full ,
rotas and o«r«pa?q ANNUAL PERM fAOE RATES kand M-W
Ands Y Ds WMdrswn Irofru Yea bane
.
Thin oast Urn you rouer df owe Mauve drgw
-if may wry quaneAy ad mry N«eaas « 6eaare based ,
axwk as soon r Ihb sore dsY we romiYa your
,
you Pay du. erkfre M
taw B.I.rnu esoeA m dve lrork of
on the tined Mot, w touad h TM YVa1' Sfraaf
ymek, arnd you win roc m dva yet dwek 6aek fmm
P.
Vow saaeonws by dr roe saunant doakq Uas, but uLl
N
M
d
h .bzsroL pint 1h maodru
preNarly dNdosed m you.
in b
N
9
d
f
d
f
Tl
tl ynr Maudal hWardau.
t_ Urp
d
waa UnNoa
not do se mr the aPrge?
ro?uhrlsmo
I&
o e
wge? w
a.
w m
r
at
ay o
your
ar
e
d
p
tc. Nirfkn
F
Qusye. For rtlr bWnY Period
hh I
n the rnmtfw.lraary October
3,
11
h
d
D
P-
F
l
IM
O 41n Coss Of Fimo Oupsli«a About Your &P) ..
If
1
Y
k
hi
If
d
you account 1. wa?r ;;tt to a Mara dare, • nr
aal
60 win be hr
[oW FKAMCE CHAAOE of 410
osed If da c.
t
. so
.
(
ira.
or
(
!,
(
LIBOR Nepdced Mot apgae m th from of you f
1
yea
vyornf, or
You nee
rlaro
Y'ou t
Intamadon m a tr ggoormu « bill
rwlte to u on a
.
p
total 11- dogs rewluklp from da eooacaAm of your aitanwk next to the gAodc sore(s) dw oedaft area ,
""ate atwt as soon ask Pare at th. add- 1. ?
psubde ret.W Is Ica thn W 60, we will autene« dot
and earrasPorldirq ANNIAL PEIICFIfI°AOE RATES msy ,.
inqu l d~ m tlr from of Ws outman. We anon
.moat iron th W 6O .ninon acida diHerawe A b.
hi
h
d
f
k
d vary rrfvddy ad miy Incaass or deeroar bred an You
ud Me
d in Tyr Wall $& ar Join,(
lua
a
l hear flan you ro baler 1fJan SD ddesww alter was soon you the ?i
Aral bin m Wddn is en« «
seNen a
eaad Vou an
aso aspntar o
t
pu
accaa
.
e
td Tagaary RaBrrst in ikusae araYa• We roserva da
to
p
.
ss, w
ou
th naedn Pa?fouW dsclosW m Wu. liar Murgr
p
pp
raB our Qrtemar Rdatlafa aanbsr, bon dokq so WN not
not errs arty «r Mara darer for any olden
dotvt to
WIN h effective on to Ind Ay of you bikq Pabd
h
d
pprasaaaeerwM your tidra. h Nor Ntler, des o tlr taNowiq
th d
ll
I
f
f
d
b
palod
2. Avasp Dry BYewa IYaktir?Y Naw Rrdrsaal. eac
mon
e
4. Assrmtat of Lap, Wefnri and IWnad ==F4= secouam man
o
ar
nr
aeN
at Your tams an
et,
amount of the auapscW perm, a dreAptlan of lh a rar
a. Finance deep N ?IrinMad by tndiph(rup da dYly Yw account win be am mod no m«s than aM an at0lratlal, If polt?e of ry yes baNeva them N
e
m
balance of each asOrwk of yttu aaauac (.. f., ooh Need teas that ocar dukq any bfWq peened Under ih m
a H you need r(uoa in4or
atlon, a dredptlon of
advsmr, purdrr, apscw tarrM, ad sped/ purfdrel
dot tr been
by dally p
tlr uaM taros of you aratarre apssunsm r rwems the mdn to
vv= « not to asrr very taw wfducr rotlfcation m th hem yam aas urr Wag You do not haw to qr any
snort h wtis,.wa ire h, but Yes
= =
day 4=
gsWaaiy At the and of each
-
-= WAfaun vasHkq ou ddm to aessw stns similar
you ro afll m qt' Nrs pare o you that aas not
the psrbd,
th rsa f« esu
-
rprrak aE your aomu m the d?fryy
of eadr s n i Ntn thane.
6
7Rarwaiq Yau Aeeaut
H a nwnharahip fss N questlm. we k?ywtl9.1 your aasYm ors carrot
rep«1 yes as dsinpam m tam any adlm to collect the
o
est.nbrk. Then at th std of da bir psrNA, ors add tip .
•
appeaas m tlr ham of tE6 wtsmen, you !aw 30 am«m you questlm.
th results of der dry YlOfal)Olla to adw n day ham the daa tWs satansad vase rnaNsd m you to
paAoAcfytrtr dwp for
soda aspaam. Ws add up the
% for
avoid payMp
Otae «m have such fee ea " to you
set Special NO For CmA[ Card Pad[srs
rse1N ken sadt se
m aMw rt th Ootsl patlode
freso Mrps far yar aaaurk. 70 is da oily bslerlce Y
if you untal your axxaarl. Duhf tli Pte, IM
confirm m uw your atxauk What bldg m qt' th 11 you haw a problem wllll the quiky o pregrty «
for asir asptant of tar s®ISk, ors tasks dr bepkrdrq
balance for smh seprueK and add ty rrw tttrrctlerr menhraNp ms. To eraM your aeoaak, you rmr
notlfy w W ftilMq ou Gstemer RN,dara Dagrtmam serNOOe the You wM a erodt and rd you
l
il
d h Liri
h
hY
i
h li
rd aW psrfoAe fwws drrp olo6ud m the proNas
days bYrlo Nr that ss
net W. than r6uaa an
,M qt' your Nsw Bslrrn• N Ai (... the
a Pay s
ma)
m to ed of da tHn
da
emoa aw t
e
ts orrect t
e pto
n w
t
ne
merMwm. `ryur naY haw ?fn. nl¢m ant ,o qr Mr ranaiiq
y
p
gymaes «crsJb Pond • of tlrt dW that aas afoertd
belres
m that es
ram
Ti1N doss u dm re
eats dYl p
M
y
y p
B. N Yea t7rs Yau Aeawak. Vou ton report to doss
Curatemer RNatlar
ou aoooum by camp our r m th prowhv « mMor. You haw tins
procctNq ant, Wash da ?.pudws pka car mac Uun
p
.
p
y
rot .sin agnak of you amour. Ftorvsvar, H you De
vi
11 y
Ueparmam. you moe dsemy your tas4t caNp) ad 360.00 and Ave psdus/ sow made h your hens nna «
W W
100 Mi
dd
W
M
i
fiI
1Nvv Barone atrown m your PrMar staarra[ h f
or
Mout access aaMU, esaN r paseNadzed MMML n
np a
rsw
ww awn or
r
Yar Ims
d
ff
iNd
d
It your nrw balsa err too «. «eut ,rruourU, new
traasdloys vtdr2t poet m your purdrr « apaii .rw tsar your account. If you do rfa Dotal
proaNaAxd amrnirruarub
ors wi oauiM ue
oPaate mea
nam, «
was ma
yoo
aduartleenett t« 1h « r r ptrMaw
?
pufdwa ssfaeruts aas not added m Urs daft' 6elruces. W.
l
v
dr
f
ts tl
b
Y
b
dJ
r d
3 ,
reccipt of • darts ymr a *m*.dm m reopen your
n
Ada :I
t Wf W b
.= aro ccvatad aspsMre o}? amotm «Ncat
m of puWseJ
Please mm?anbef to ion r caresperudeno.
y
uq
ca
c
a
r a
aays
a
to
y a
r
v
biter aide= aM dM6up the elm by to =amber of
the do" In th currant bWmQ eYM.• To CaMJfats you oral aceou
.
year accoun
s
ur you pay an amaama you aw ur kwkk§ : any
tsarsMlar you haw aurheizd, Maas Marir, rasa
t p? not AWy m aauumr mn•eraidlt sad eecamPa
finance dwq, ra?ydy y m awtap defy birtee by the
drY paNACby
anbr of do" In
N
s flue (was, Oll.lfmit 1.02, astus ed payment ones, Dail
a ow
w
o
s Ooea rot apply m Gnkev eon craaR vein aeownrs
dYn
m
a
be
Po?od Otere ..Ss i talolsdm rd the anew of You am Fespon*W for the ant
wfadar
ma
they appsa on your accom at th 111" your rsgtan to r One aW«u ktNhnatNn piwcy pow bon: see ou
at
"
?
fnrne tlrass amrfy ousted
b
If th cods Y « N apasn m the from of tms arnernmt der the aecoum «thy aro kucurod aoaequrnt m
your sequeta to dose da account
Tins -Y readt In =C!'
CaPlml
?!ed service mstk of Capital
Om
.
mo to *ad- Rau APdied To: we mJAPIY the .
ch..g. apgadrq on your aecarm afro you have ?
s
Cmpmdm AN Hens rammed a 2003
;
Arv halrm of lh semusk M oar ewrNv -ad ti. armor le he derd er da _ _. -._ _ et Caphi One Ot LOLBAK
irrporur Nelda: warms you mr m ve Wtl h «e3[ad to your accaan amof th burklsr day we reoelw It=d ed (1) you send th bottom P«don of 7tN stnanan and pwr Mack
h da enclosd nerrikancs arW,laps and (21 your Wymem I. rscived h au Pro??yua caner M 3 p.m. ET If . aw row a Nan for 16) buskreas days for peal drwry.
Paym.res t.wived W w rt atry otLver loesfen «In very oche font may rat be cradled ae of 1M dAoay we =salve than. Qr buiaw dsya aas klwday riatdr 8nudaY? axekdrq hdWays•
Plssee ub not fan e1?1se, peer dp. ere. Wan pr??Nq our q Who you .and u. a dlackW yod audveAze v m mob a alsNme eNeUaic trarrter diMt ban your badt
aecaan far the anaam- of th Mack. wf m- aNadtadar apper l r dacb mcalwd dukq live bfiq cycle awn if son by saneaa abr. If m camdt poem t w Us aM, you a Wndze
m to make a dmp spiral your bads account uhf the dwdc, a paper daft m ohm ken.
KYFF
Cap aloes.
/? Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
Cl? PLATINUM MASTERCARD ACCOUNT DEC 24, 2005 - JAN 23, 2006
5178-0525-2338-4028 Page 1 of 1
Account S
Previous Balance $693.13
Payments, Credits and Adjustments $.00
Transactions $29.00 .
Finance Charges $16.82
New Balance $738.95
Minimum Amount Due $42.00
Payment Due Date February 23, 2006
Total Credit Line $800
Total Available Credit $61.05
Credit Line for Cash $900
Available Credit for Cash $61.05
At your wivice
To cQ Customer Rdatiom a to report a lost or stolen mr&
1-800-903-3637
Send Pnymenb to Send ioquirie to:
Attn: Rcnittanoe Pmrsain8
CapadofBask C.Padone
P.O. Boa 790216 P.O. Bas 90285
St Louis, MO 611794216 SLC, 17r 84130-0285
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 you payment, please accept our thanks.
Transactions
1 23 JAN PAST DUE FEE $29.00
This account's Non-Introductory Rates as of 12!20/05 are: purchase A.P.R. = 20.74%V, cash
advance A.P.R. - 22.74%V and special transfer A.P.R. =17.74%V. If the A.P.R. is followed
by "V," then your corresponding A.P.R. is a variable rate.
You were assessed a past due fee of $29.00 on 01/23/2006 because your minimum payment was not
received by the due date of O1/23/2006. To avoid this fee in the furore, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Fittattce Chatgee n,&
Pkarrrurmwei*ft iimpsrtaeat i
mAtion
v A- ?
j
r CHAR
? ?'
ePR
„
n PURCHASES $701.23
CASH 8.00 .07737%P 28.74% (16.82
.07737%P 26.34% 8.00
ANNUAL PERCENTAGE RATE applied this period 28.24%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052523384028 23 0738950060000042002
New Balance $738.95
Minimum Amount Due $42.00
Payment Dix Due February23, 2006
Total enclosed $
AeoountNumber. 5178-0525-2338-4028
Pfrm p.at dh,. obeys, e?rkm,eoY ikn er f kk a.E
Sreae Apt
ctr Seep ZIP
Home Phac Alwsau Phone
T #9002422074338331# MAIL ID NUMBER
KATIE HURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 ?e?te??lteet?t?ttltt?l • CAMP HILL PA 17011-6135
St. Louie, MO 63179-0216 N
]tllnnllnnl?luellt?ul?uueltlut??tlluuel?t?lulnltl ° !? lut???ut?l?unn??m??t??uus??n??n?e?t?t?n?n?s?u?t?
Pkaa wneeyour Acct number on ymrbab. or money o/Atr made fayabkIs C,apitalOneBank end mail in !br enclorrd errudufr.
F
1. fbw T. Avoid A F.'-es Chrya.
a. a- Prod. You wA have a mien m grace period of pedadc rats. To obtain tlro average dNY balance for th.
bNY1N oowred by If" sulsn M vw take the War adapt N n fw teen uosea r« «tanpw.
if y.u eWnrl:ad a hen a merdrk rd vw
f
d
26 days atidhdt lktahte eherys m h&W pudras, ne v
balance 1T.refM., raw rVeriY padrses nd row other
' bnsnaapaonabelalros a esrh eepnan each day. add any row
t to each segment, rd souVora +rW any
f this
h
l wt a
ter your
leech. the trenso d.. do m.
exaas has been Will Your aemn I be reopened,
the amount of the be addd to yar ap»ut
, h
d-- If you yaw cavil 'fbw Balrto.
sm Msree xM 1M YrporWa Nodes br psyrrras below, rarrl o
e
or trouts. Of IM Code N appears on t
sutefnrd nets m'Brlanoe Rate APp To; via oho
b
l
k
d
d h O ,
and yyeath tWbe for pspnxe. If airs M s
the fee wA CahOare
our .Coen
nrtisrsi
fee for
and h tkre for k m he eredtd by yes rhea ereaerrhert
doakhp dies. There 1. no grace period en cash advrhw
lod
h
i ance
e
a
Nu
e
sbtwa arty up.W Mree drrgs
a carte se?wx.) This dwa w the defy balarhca of each
.yy MWrms 1« Cock
1w add tp aM -
rri
Ttrt
ee ,
y
p
m bo tlwped, m the span psminsd by Mw, until the
aoeoua ten bgen paid in tell as deM1tod above.
s no pars pa
ew
sad eped.l trrrfsre. In ad*dwk, t
en am/ trrlaLtfat N you do not pay the tool 'New d
.
,
p
sepnYt for the bNN^N paled and divide by de laW Nr pad « acCoUm teach he
7. =Y==Y
= belarxe.'
Trarnactbrr wHdh ors not
Fkhree f9tr
a
b
Aeoti rasria of dap h the bWnN period. TNs dwa w the
awesge dsNy bawree of exit segmam. "
any h[em« W."I g
trerh.actiorknw a
g
.
.
o
arbJa t w • Osc' Pskd ors aa.ewd fnrhts drape 1) 3. Ansel P'rerrW IO/r fAPRI. 8. N d- About EW ft rJo':;: lkrweaM. Wlcn yes
i
frsm the 6b of tlr trrractlat « 2) Team Ote drts Oe
ltarhMaellw prorsred m yes Aemtao « 31 from the
b
-a a. The team ' Maul Percents Mto may appear as
'API' on 1h. fiord of die rtatemrri. dea w
provide a dtadt a psyhw. You ahsMdta w .
Cos khbnnsdort irorrt Yohr dhsek m metro • ore-tkm
day W Uhe west bNirp perbd Additionally,
heat nlsrd
' b. If the code P pdmel, L (3irto. UBOW, C fCon feate of
w m the front of
d Pi
)
S
B
i ekctro is head transfer from vor bwk account or to
ymrt a dtxk transaction, N7tw we
q
S
S t
M
OwCo
_ New Balrhca from the fws.iaaf
if you aid rot DeY Or
bWp psdod h h/. IInrhca charges oortkar. m aoeare m icar
ne
appsa
Oepasitl. «
v
f
alrs sutamwt next to the Psriodc taw W, 11hoo osiode ?
?
?
?!
caw •"°'^'a°°' hen yes deck m mske an shctwric
our bark
hen
dd
tr
f
h
d
?f yar uYtaid balers tall Ots uhpaW balares d (raid h hN.
This rneMrr thrt you may sou owe Manes der0ee, awn if rates and mr?ondno ANNWL PERCEW E RATES
mry vary quMMy arrdmay Nma olr or deerws bawd
' y
a may . v
h
awn
er,
l
head Irre
account a . n des ewes day ten rscdw yar
k,
r c
ock 6xk hen
A
?
fr«tt M
You PW Uhe Mrtfis II.w Bdahts kdcaoed on the
en Ohs .rated khdiw. ea Win TM ff
Siren
you
rot c
h
Wyt 11 and you w
al
dN Y
d
k
M
? yes tawrrtart by Or rtaua etere.ert eloitp dm, but aid .burhaf, plw 1M mardn ppeeNally disclosed as Wu.
a or
w
te
u
yes
rut do so for do prwbtr maaA llripaW frhrtcre tlelga your
These d?sge? who he elbeaw en the fart day
rn endin
i
d
wt
E
WILING RgNTS SUMMARY
?? ?rs added to the appleaMe egrts[ of yar Aaout.
t a bfrrknerh Fktorwa ChrM fa each h1Ntg psdsd tMt g
y Wu pe
. e
am
b1M period cowrsd
o
kt Ors ntadr Js+rr Md. •Alyy?? and OnoD«. (h Cass Of In" Or Questions About You Bill)
ar reed mere
It
tell I
f
lii
your ;==w. • rrdknan
N air
k
aad
60
dl b
0 c. It the cads D (Pirol F (1•mo. 1180W «O 13•ne.
USOR Repd d Moni.0 w on 1M fiO of you y
s wrohp, a
I
you t
c your
inmraliw w a lrarrscaon «6N, who to w on a
rpo
.
v
e
mtaf 4
.
e wrOip hen tlr apppeaOw a
r
r
l MerhCo airr statement nand to the =r, teW the ps"dia rstea sepsob sheet as sow as pasaMe at the addrw tar
u
a
p
periodic rrts(d y lee Oen iD 5D, Cos Coy abuser, rd ?rre?ptdno ANN)AL PERMWA0E1NTES mW irquldes aMws on to 1w1O of this stalsnat. We mat
ou the
tar w+
m
60 d
t
th
_ wham frarrh des 10.60 rriirnw and Oe dMsahm vA bo
ah
hiNd faadtre feptar of yore xaut.
he
t
m to
=
M wry rtmMiy. ndmay haws or deeweas bad on the
tested k d., ea fend in TAf W.Y Sir" darog Ph- y
y
hear from you no
utu
an
sy+ s
W can
fr bill an With to, wf « pwarn apW+wd• V
sa vi rot
t doin
O
i
b
Rd
M
We resww the
ws C
wgc
RaiMYe in (tre
d =
w
wy the -Voin peNasly dadasd m yes. lhw degas
bitin
slod
d
a
O
b g
wr
er,
u
e
a
coil w Customer
des w Or tdloaakq
In Yriur blwr
rorassawrwh?s Yes ddrts
Mississippi d? to not aeasss any «a4 Mars charges, for any divan g p
hs
ry
yow
vhA b. etfiheiw en
rat
each amend, ,
.
pp
ra yes rhrne and eCoa.t ntaMSr, the doilar
l a the «ror
Med
wd
f
he
2. A1Yrkrly New Prtlwwl.
4h
to dslH
mM
l
l
/rt
d b
=R
=.
d
N a A.-.* .11" 0-111M rd R k-W ?gert face.
your seewn WN be asrsNd no mans than two of the fen I
nrpee
Neer, a
t
amount o
" w. N poa1I0M of Why Yo+t metre thew is
ad rt
e
g
p
y
ea
n
e
y
a.
tage
-
balance a such ssOwrt of you ar?rn (a¢¢ raaih
and epsdai phrclhaael
edd astaM
dwro
uclws
s NrtM Ihare Chet oeatr dtaktp eery bikq Period Under the
terns o1 Yw ahaterrter agrwrart, vre wwrw dh. ddt fo en ou read mpw YNapnatlorp a descOpdarh o1
T
r
the Iaerrh you are true apaO. You do rr hew m pY wry
_ ,
a
, p
,
p
daff
alodie rareW tfr ihr beat
b
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against vow at acclunt using the chw*? a paper draft a opher hem.
charge us to make a
w- v _talo• KYFF
_Y_ Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
Cw?gft PLATINUM MASTERCARD ACCOUNT JAN 24 - FEB 23, 2006
5178-0525-2338-4028 Page 1 of 1
Account S
Previam Balancs $738.95
Payments, Credits and Adjustments $22.00
Transactions $29.00
Finance Charges $17.40
New Balance $763.35
Minimum Amount Due $42.00
Payment Due Date March 23, 2006
Total Credit Line $800
Total Available Credit $36.65
Credit Line for Cash $800
Available Credit for Cash $36.65
At your service
To mU Catomer Rdatl m or to report a tat or stole nark
1-800-903-3637
Send pa7mmb to Send iogairm to:
Arm: Reiitf a Proawing
capital One Bank capital One
P.O. Bast 790216 P.O. Bast 90AS
St Laub, MO 63179-0216 SLC, Ur 84130-0285
Payments, Credits and Adjustments
1 24 JAN ELECTRONIC PAYMENT $22.W
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 23 FEB PAST DUE FEE $29.00
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-M87 before March 31,
2006, to reserve your copy for this account Orders will be mailed out by the end of April 2006.
You were assessed a past due fee of $29.00 on 02123/2006 because your minimum payment was not
received by the due date of 02/23/2006. 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 Pk M.F&Vrewrrsfilk*in pLwast isrmation
N Balenarnde PeliClit -/?.?•?,7,.????•a
yyCirda. sd dYlt PAW
N PURCHASM $725.33 .0773%P 2L21K $17.40
CASH $.00 .07rmp 2L M $.00
ANNUAL PERCENTAGE RATE applied this period 28.24%
PLEASE RETURN PORTION BELOW WITH PAYMENT
C_ 0000000 0 5178052523384028 23 0763350022000042000
New Balance $763.35
Minimum Amount Due $4100
Payment Due Date March 23, 2006
Total enclosed i
Account Number. 5178-0525-23384029
P4 t.wdLrS..degr, ir?.a;?gib.a4LYE;nf
Strout Apt I
6q Snm ZIP
Home Awe AIN-* Plane
#9005522074338335# MAIL ID NUMBER
KATIE BURD
Capital One Bank . 1198 SHOREHAM RD
P.O. Box 790216 ItInIIIutIuItnItII ° CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216 N
?d?nn??un???ntl?du??uuddnd?d?nnd?d?n?u?tl ?l ?utll?ut??lutnt??utl?tl?tuu?lu??u?t?t?t?u?n?t?ult?
Please ratite jewaaaant nsnadrron yomrheek or stoney order madrpayable to CaWd OwBani and mail in for enchued errarlope.
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r wfdre rloa th7 m row pudwr,diner
r4rrbm,k..W
Pubrer .m new
i N you psy yw trawl 'New Balres , N
roe whh the NVorten Nakw for papro bebw,
tins ter k toW credbd Dy yw nua autenrortt
ewe. Tire b ro pets pMod m melt advarrme
idol nzrrafers. h addition, pay t Ulh b ro oar pabd
ttamecdaf If you do not Y the ford 'New
Y Furs Otrps. Tramacdorr vddr*r are not
m e ash 0rlod are •rserd florae prose 11
a eN balance t nd i
yTairiup
pu==M1&
your atwment by Ufa rra
rot cis r for then pawbrr
us .dried m dr appMrabf
to.
Mkiran fiatsa1?O1arra7Y?s••
t?wl FlN4N E CIW16E d
entoreft trenf flr W.6O m
bled te Ms padlre caeellp
I'd. d. Teat Mry 6.6. n In R
tldd F nroltod•rer Ow or
2. Avasya CM' bwu
fiwoe dfarge h =-,
balrlr a each
If
owe 6rtr drtpea, sw
of f
Wes Yldcaoed on the tlom
c suteattertt tmalrl0 rice, bra rid
moMt. lk1PaM lkfalca tlferpa
1 .watt a yw Acoaaa.
isr serif bMNfp psdoa Met
e tiros dfr9s• • rrdrfimm
rfwp.6o wr aWppi?t4e.ed. n m.
f W 50, la"n. wM Ce"A'aed.rt fat
kdrelart atld ale dHuars wl W
item a?)'0t? .rant.
we otays. YVe ferlYe 1110
d htsaem tiatpea for ern. ?
Gr ?Ieav fVdksarl•
rile biV QwNd, fw aPDI/ Ms tliy palotM
egnwtt on yar axant m Ur ddy OWIrc
rile tawdbTM d at A mat.? m ?
rewIn /ran serif aspnra wUs t
In- tlfapa for Yog=-Z o pt Me
ter ef aortrtt of yw? ow.
•tWidb low .h 0 far and a r t y now
days ter afr rortwtt. Wr?katdhaetendw
papwn ar eredte Pored r a Ufet by U
m tlr Ho-
m art seortam. Thh elm.
Mw trcmraa. Ilowsvr
fa each seottaa of
eivv Salarfm slow m Yow Ptsvlar rrtu
If Yw row balm wr wo a • Bradt r
a
a
ad.chws Tarr wlidf pct m Yw adde% Ud- tW
pr moat ateMyy d m
bolster to0etl sad dNoflp A.
twit b E
dfa pep N Uu aaaaae chip typo. To cela
beplrniNp balance of each sagmem each day, am MY now
traro.adma m each sorr" l and SLIMact any pajawns
a crodtw (11 the de hint of ria
uatemem nod f.".=c:= Toof An--t cry -paid Sacs daps kaJUded N the b•hroe
each Ewa.) TNa u4 p A 1M O tW ddb ba of each
Then, we add t dyaYMyy balenow cea tar eofi
for the M padod and dvide by the total
aagmam randm of dap N tW NMq period. Thb piwe u the
• daily balance of aadf sgptaa.
3. And llamas IAPRI.
e. may .11 a
-APR' Fenn M A. 1M from of ft- Yis al fro Pe $1at0mema
Arri.
b. I1 Me rode P IPdmel, L 13-mo. U110W, C (Cetdhceu of
OoPOSk) a s iBwfkead P %) apprr m tW from a
1Ns sut" % nm m tW pMOde ruaW, fro
rem. and p AN 1AL PMEI &AO .TES
may wry 4 and may Ntxeue w decrease bond
m Ms voted kWWM r mud N TJr Wad Street
,bona( plu Ur marytn ppeeNdrly dsrJasd m you
Z d!g enecUw? A
N rile pPm?ormlr Jrarnb, Md. ?yy •? Omabr.
e. It A. coda D dadrfal, F (taro. L1BON or O (3-mo.
UBOR Raprloed Mad+N appeam on ar iron a Yw
s ammo . nod to tW pdodc uuW, tin pwlodc mua
tat mardrt IareviourY dedoud to you. tress manpea
will be a Pav mar AM dry a you =9" period
.wh month.
4. Am..Wrort N late, 01'~ sad R•banad PM'mre Far.
Yw account wM be coresd ro mots than two a Ms etas
Nsted hem that scar :=M period. L VAm ate
,- of Yw artansterrve to drip to
W.1- a not u aver wry tar Wilma pd. .cif *O-10
sitllorrl walykp our dpla to aver the rtes a sleeper
r • htu time.
6. Yw AessuiL N e nenrfbstalep fr
sppam on the Vora a fli atatatrrattt, pu how 30
maMsd m
ill from rice dtm thin atatenrm vres you to
avoid MYhq tW lea a to Ww such few eredtad to you
Ifyoucaned your aeoaatl Orrtkfp Ilia puled, sd may
conker to tar You atxoud'"MI h.. to qY iW
mar 6. a few To comp your axotan, yw nut
& fyawYrw Clime Yw Aewe. You ten nsprr m aor
oapanmaa. Vw =deatrey youy. = card(s) and
:scum -. d-M, earW d pmwalod:ed blkq,
end uer uadingiygaa azaaa. If you do rot areal
of a WaOe Ywrta asetlw t??sope?n yMwn
accaatt, AddUaWy, your accova wY rol De fiord
uaM yw POY d amanu Yop cute w kdtr3ta arty
trace & you irw auUeexed, riwtee d par
pus feel, , ovedNNt ter, termed pepwd lmea, , cash
er nee and atry otlrr lea dMIN to
coou rv
atxaan. You are tsMrarlbl0 to Ueas rnanh wfetie
=4=r m taa at rile tNH par mprr to
erua a May are marred abeeprem to
your rper to does ee eccasn. TO may resit n
drams aneadm on you axotm char you Ww
cola atxoutt if k Iw gl'eed/ been d-.L icr ox npl-.
if yw araleezee a W?+n+o fmn a numham, rd we
too" de imnerdom from ile n,.mhwt after your
xmut has b sous will W mworled,
arrant of d. d:
tlr vow a=W sdded te yw exaex,
a
std pywu val fW for paymafe If flare b a
rtrrraatap foe fa acoaaa, to fr will rotdtar
m W tirtoed, m tat appear p in infull by law, oval ono
exch. hdann Iw Mm P pI r tblYnd above.
card a ccot•n carrot W
7. =Y=,Z
afY Intmet panfbli ill
VarrasWorls.
8. Malls. Aleut prof: Llorrvraian. When t you
pork r you aelerke r e to
rwue?trdorrtrWarf Irate dock te rrfaka a afs4ktr
eat tvarkrfupVda? lion yar baNC exam Vow.
rpre=NbeneitNf hint - tlrck teas ebetradc
it•d tmrbr, hale W W WMdrawn liar Yaar bade
accaun r soon as Z acre day we reoeiw yar
=-.= medw Vow deck bsdc from
Yodurdalf.
BIWNO RKKM SUMMARY
(N Cane Of Finn Or Ou"d- About Yw Rill)
Ii yw tlfkat
ma ==.,:J! wR -a If ywsnemed afore
InfamWan ue m a
for
aspuau alfael n s
rileoon y p -00 N lW adder
kltwfro clown t tfihpMn m w..hter - mm Vw
!fear hart days after we sort You tW
You ro cats '0
fml bill m wHch tat a ptebtae ap(eerod. You carer
call w CtManer ranba, but dairq ao laN not
prmaenw u coda N btur, 19member u tW ldovArlO
a ,,m 4== Yo Vow mine acoaa a, the dohs
enfoaa of
scxd a dredpdon a 11 uvor
and r N poealMe, aw1W You baMSVa [hero h
an savor; a if you need mot, krfonnatlen, a deaedlNaf of
Y,
the tarn you are urns 4 WU. Yw do not I erry
amotr t vAislwe are NwatlUStlrq R,=y
Ma .gym pay r. pmu a__ bl that an not
vA fJnel
in v-
repot rYw ddrrquanary ac to caMact 1M
preaUon.
atnovn you
4,t Special Rule For Cmdt Cam Purchases
If you lave a praNem WRh rice praMty of properly a
uafima that you uftlr a crept card and You
haw read N falMf u rrrad tat pratlae with nor
marohatt, Yre may irw I1M ells not m pay tat temakirfp
attroue du on tW a seavfmw Yw Ww Ws
g00$50 mIy v?padrss vas more than
X60.00 red tle wr =:.:w home ues a
fwadn ttb anMr a ymu m•lnp Of we owl or
?ms?dr .p.if A Duduar
ors rfmrad npsrdsr- dunaan a lor?tfm of ptrdeee•)
Her rartriWr m viol ad rmrpamdaam.
t Doss sot apply to ceadaar son-nadir cad accow&
4 Does not apply to bus"w son-cmult and accosts
Gpital Ons EF PevscY prowdort: see w
wvLalts at www. tom.
Capita Om b a achy ts?stersd senice since Gpiul
C?Orral Capaadch. P)I d{/tts nearwd• ° 2003
Capital OILOLBAK
e dairy
V X)
if day dukfp
t? /or eadf
I, ws ON up
am rrocaor
N b+paslda
n M hN (orb
inf. row
fifrrs plop. Yw awreps ddY byres by Ufa
pate rotafdmp monaday basiaa Own, may beep
dye w?t?lrratte?e Dslfasen Ili .Ad- and ft atmoaa of
tiros Y oordY a eerod.
b. It tW code Z or N appaa m filar lass of d,% ernanan
W .sd.-w - AppNed To - r Mlpiy t
krprtam Ilalloe: P.rtraru you ter m r wM W created m Yw axant •. a tW barker My vre retries w provltlad lt) you sad Ur botoom poNm a 1Ns slrattaan and Your cMCk
N 1M encford ratrdnerfm awdaq sari l2) Your paymwrc h recdwd N w powakq was by 3 p.m. EF (12 mm Pre. Ph•r albw •t br tw B) Mwkrsa pap for portal tbYwry.
Paymerr turivad by w at airy ofMr IoeaUsn a in cry olWr Togo may not ba erdtadu a tW ddaayy ws tsniva aeon. Ot+Dwker days an Monday thou?f 8>mAdayoaludnY iloMdeYw
atxialam ter rile amaat o? fat dock TNS wNoah-at(m appMr m N cMCb tsoelwd dskq Uo blkq dycb swn it store by saneone Nr. If vN cater P? trarfir, you authorize monW
Plsrs do not car atapla P? sus, etc• worn pteprk?s yar gymaaWlrrr you send tr a tdrekW, you atNrria u m make ¦ ms-tkns ahelaaie vw1eM tallNdt horn yea bwie
r m make a drip a0almt your bards aocaan uakq tat dfetk, • paper bah a oUr Item.
C'apitaiCW KYFF
Kee our
Finances ?t
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF•1001
PLATINUM MASTERCARD ACCOUNT FEB 24 - MAR 23, 2006
5178-0525-2338-4028 Page 1 of 1
Account S
Previous Balance $76335
Payments, Credits and Adjustments $100.00
Transactions $119.71
Finance Charges $16.17
New Balance $799.23
Minimum Amount Due $23.00
Payment Due Date April 22, 2006
Total Credit line $800
Total Available Credit $.77
Credit Line for Cash $800
Available Credit for Cash $.77
Atyourservice
To can Customer R iia iom or to report • loet w Kohn rack
1-800-903-3637
Send paymena tr. Send inguiria to:
Arta: Ranhhnoe Promaing
Capital One Bank capital oft
P.O. Boa 7%n6 P.O. Boa 30265
St Louie, MO 63179-0216 SLC, UT 84130-0265
Important Account Information
please review the enclosed privacy information and retain it
with your account records. Al visit
www.capitalomcom/creditcards and click on the Visit the
Guide to Benefits link to learn about your latest Vita. or
MasterCard. account benefits. The daeiptiom in this online
guide replace any informxwn you received in the past For a
printed copy of the Guide to Benefits, call the Customer
Relations number on the bark ofyour cad.
Payments Credits and Adjustments
1 14 MAR ELECTRONIC PAYMENT $100.00-
Transactions
2 20 MAR CVS PHARMACY #1630 0-03 CAMP HILL PA
3 23 MAR CAPITAL ONE MEMBER FEE
$60.71
59.00
Finance Charges Pk..revirieride fw imfortaot infm>astron
gpftirlfa satr
PURCHASES $746.32 .07737%P 28.2491 116.17
CASH $.00 .07737%P 283191 1.00
ANNUAL PERCENTAGE RATE applied this period 28.24%
PLEASE RETURN PORTION BELOW WITH PAYMENT
CA 0000000 0 5178052523384028 23 0799230100000023000
New Balance $799.23
Minimum Amount Due $23.00
Payment Due Date April 22, 2006
-
Total enclosed $ 1
Account Number. 5175-0525-2338-4028
P11-fcut114ra 9mraaM/ao-9Hrro M-4 -k
Saeee Apt J
City Seen ZIP
Home Pf» Alweate 3'6ooc
#9008322074338337# MAIL ID NUMBER
KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 1111 nn11111 111 11 1 u?l CAMP HILL PA 17011-6135
St. Louie, MO 63179-0216
Idle?t?l6m116u11 5111 lluue1 1 1 111 ll1 1allI1611ed1161 a Lo116nllluenndLnlLlLIsIa to lLnltlnln6n6nlnlulnl
Pkare writeyma sass.t nwxberon yora rb&Am mmxy mdo _,,&p yabk to CafitalOne Baak and mail it: the tndaraad'^s" 1oPr•
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Widrott Run=7.
dr!aq? en nsvu rnw
baWtce turbo, rteYr fpsdr P= and row otlw
dtarps H you pry your ford 'Nw BYrno'. In
accordance vdtlt the irttporoart Nafeo for paymenu below,
and N dove br k m ba «edbed ===
=1'9etlddes. Theo N roh ddtlor Oeoe4 th *an , porW sp trrrr/as. d
Peees Pede 'New
m arty trrrealon If you do rot pay cite t- aW
iraNrna.'
b. Ae :g Fkru• CFuRa. Trar
hmm the m • tlw of of peril aro aueueA Iktrtee daft the
en to trarracfion a t) flan dr ilea dr
urmcalm N =.w ed m yotr Acc«apnaaNd3) hum do
RnYyrootu calendar Balrno.?fian du V•
emttq Petled h N. Arta drotpu trtkea to acts to
tatpaH balms umtHWdu updd b•Isnos b peld M M:
You ? pay y to wt Ma Nsw bl Yro Rebates dua d tl?ftmt of rf
"w arW tM rmd autarsm doing due, hi ditl
rot do w W for bI to PmYiots math Iktoeld Rtrtoo dtetpee
aro added m du r?pfnEb agrwt of Wtr Aaaat.
t c. wb+rMm FMM Eh!Y!- Fv aadt hNrq P°!?_um°_t...
=-..d Y 4andBO, w WY -
--:% .6k.u tltitr
amour f. the $0.so atitkmen and tM cif oronce WN M
t pudtr MpMm of ateotet.
d =:-- tor'ro1My R•dusian lot Files w We reserve -
dftm
y[ p sr1te da,MSMrW«MRtwne dtrOM for rW duet
2. a ?slsmse IYUM?drp Nmm prdtM .
s. FNrn =10= of by nmidplyMp the t
balrtee or rVMff rl rird (eWcid pudmsel
advsms, Pundrae, Weld
M tM cwnWprdYp dilly pedaRe GM of mach en
d:n
Mdm you At dr ed of _dsL
ptodmdypdaArpJod odod.
?agbM of yar m tlrdd R?yy of
se0rrt. Then at to ad of to bRMrq Dedod, "am up
tM raattb of Arse rslovdeRats m atdw =-
mauft boar *Kh s?own" To a tM total padadc
btetra dtroa for volt aocasc pot da dally bol-
peytrums a credrs peril r M ttrt dY itrt aro asoc
to tlrt sagnatt Thb dwa w dr saparas tbi =
for uth ssprrt of year aaoouu Vbwsmer, H you MI
Nave Bslraro dorm m yotr Ptet'tetm & a me- Al
If yotr row Oalro vent zoo «. «sdt anrotnM, rove
septaw anew not .arise mem Z=-
It. do
beh ?pdw?rd dMdrto? tlts s mn dw tt
arm
bp+mGq 6drtee of esch seDmrt each day. +? ant' rrew
trartssetfon m eedt se?te?rt aril rblrafo sty pt hi.
««sdte. (Ii tM ails R elan m /M trap of Yia
aatrrrt rtmd m ' Hm ApMbd o,In 1M Worce
rbtracl emY repaid at GwA
a each ee Y: ) Tlds I- ue the ddy bdsne of each
eopnattt. 7Mn, Ws add W all d. dolly bMrtme f« eech
feprom br the bpprp perNd aril dvlde by 7M total
nmbar a drys h tln hMkq Podod- m ¢w ue the
daily babrne of eadt aeynat.
3. Amami Robs IAMtI.
•. TM term 'AremW Psrcamapa Rau' m•y appur u
'APR' an tM 1rom of tlis sutrrrrL
b. If tM code P {Pdmd, L 0- LIBOR), C ICeNp6erc{ao tof
atatemat=' padode rtMe(ta, -
rots and oaraspom q ANNUAL PEACBLTAO RATES
may wry rluataAy rtd maV h«seee «dsrJere based
to tM surd iMOea, a. Scud N TM WY S~
Jotang fie he tMrdrt oroMdrtY dsdassd m you
Tlur dtwga WN ba w . cis As day of refs
tlsktp = Wted by Youpedodc •utemaa w&V
M cite merle Jassry, A1d, JdYY ad Oenber.
c. If"coda D (Primd. E (t?e0. UBORI a 0 (3-mo.
your
LIBOR RwIood MapNy)=- art dr kart a
trnem rota m du oModc m1aW, the PnletRc retu
tla ttneudrt preMarH aisdoad m you. Theo dsnpse
pabd
WYI ba oraft m du Rra ley d you 6i6tp
0. Amammm t of term OmaRmtk ad Rrbovud Pq'nett Eau.
your aecdrt WW In aesewd ro move d- two of Ute Tent
Rarod hen dtN o=, drbq rw WNR
aurw d petlod Urtdsr the
gmemart, We =Urdu
temp a you artertsr e dda to
Yaiw or rot m sues sry 1us Wfdr+t wbr notlRCatom to
Vttltdd twlYNtp w ddt to anMM the esme a duper
et • lore thn.
6. `f- A•emet If • msdtmsltp fee
eppun m tM ='. tlis astunst, =". 30
ys 4oto tM etataMm rm you to
avid PWYbtp the fes or to law such tee erodtd to you
If you certtd your account DtruMq Uts Pedo4 Vora rosy
toMYsra to rrse Yell atnetet wlthaR Mwq m pay do
tnrnbaudip tee. To tsrntl Yea alxeurt, yw mat
rodfy rs by e!lRrlp our petbmer RabRatu DWartmrtm
ad pry New Bd.rnce N ttd (eadudrq tM
mamba ft>W pile to cis .nil a do Wrty4ay period.
e. H You Close Your Asamet. You ran rogtsa m Boas
yydasr accotrrl k asMrtp cur Cost- Mladora
DWannnm. Vw mar drroy your creM uNli and
accotem scents dreks, taros= .R prerdndzed IdRMtp,
and ns lmtu' Your waaasutt. If yea do not urtnl
ad 4
adx.tlo^ a roocpamniyeasrur
atxete AtlddarsMr, your aaaarrt :It trot M cJossd
fund Yt.eu Wr d amasde Yom owe is Ntdtdna erry
===Z srArodzed, *mmcs durpM, pas
, rolaned DeYumem bee, rasA
adYrns fees rtd :Z=:D- d to yotxwut. You an tfnu amanu --F
day ypMr en Veto aCca at to
close iM setout a d" em your repsr m dose the waves. Thb troy rood( M
domes aoMarMO m your accant after you baw
Vow accurst H k M tjkesdV been dosed for o.B pN.
ff you autMrMSd • ptuRfuss tron • msrdrt and -
nrsiw the tmmmcdorr flan tM mwdum after ynur
acrntet tw beat ctond, = e.cam WN In teopated,
your aersist,
tM amnutt of the dupe wRl In added to
and you vA be mWW*lM* br peWwt. H drove b e
Momixe hiopsdma mr YMF areoutt, tM ho WYI oatrinte
dented above.
somutr balerrs h bMprro M M as
7, M he
used in mru«Ne WNh anVImeota OontbinP
rrenascdoru.
S. Nell- Abmt F]•raerd• tln•k dtWrdsn. What you
pto.Ad• • I. m Payttad, you msladzs tm ddrr to
tea Ytarrrutfon ban Ypts duds m sake • an-tiro
aNauordc find tttsufsf flan Yms bartk aorntn a m
protsM tM ppeaYrert M a tdtstdt [nreretlort. What we
tau Nbrmatlort kenmYMp?/? dude m make an dect-
..CM t M soon Mss ft senu We ncd- yard
paynnmr rtd you vAK rot recatua yotr check bsclc ftam
your fMandd ktsdoehra
BILLING RIGHTS SUMMARY
(N Case Of Finn Or GUMS- Abaco Yds BE)
If you flirt You bRl h « N yw need mom
Nbmudm on a Ma?a 6N, wilts to w on
rparab dtM M Mart M peMde at 1M ad[kau for
hear hs shoran dr fibm a tlia atatetnatt. We mist
leer from o you ch low then BO d!?'!_eflar W l rtm ycu tM
Mr h0 i Cu Wilt 7M errpr n _ appMrod. You fJ11
fag ou Customer Reledar tsertbst 6u1 oloMtp w vM rot
ppeeeaaaww Your dt?tu h Your letbr, qM bsrRu rtp
iMamadat Yova rrna nil aefsue ntn8, 0. defi dour
amdst of tM teapactdl
d a deecdpdatbeR m tM ta then error is
M an ne error: aplana or If You raw ouuNed from pWAN erWr,of WmsMry you e hbeMrlat, a dMedpdat of
tM Man you aro arse ?brrr. Yau do not have m pay arty
anrout N grsdan Ytttti ws aro MwadmaWn M, W You
A ?bR ytuu elf ken aro trot
am y tad to pay ft M parts of
M qusWon j"wd o y NS Vor 4netlat, we rarrr
raper you r dMrtt}sm a take arty acdan to caged the
arrwtaN you gueetlon.
i,t Special F." Fa Cmdt Cad Pudaaes
11 you Mwapwp-. vtidttMA'e Yedo um .Yd-,
ofP "eerdou that you pteduMd rddt a tiled N peed bids Mo rnrraet Rn Prmbbrm wm to
mardum, You mry hsva cite ddul not m pay " rem kkv
aovetet due w th. npMy a esrvkas. vw ho" du
oriy YA,.np IFr p -.=== curt
rdtMk W,M sure or
YMMJn 100 mNM of ydN TV addroaa Uwe dun of
apewte tM rrordtaN, a It tw nnaRed Yeu tM
semrtwnat br aro pMparY « aardces, w ptedueu
am raveud mpeldMf q1 rr101It «NG1ial Of PtrdMM.)
ReaM remrmber to dpt all conesporxis •
I- !Goss nor apply to vows rmr tso-credN sad accaeds
i Does as appfy to blr "w n--.* -d "ColMs
cw" 0- the drys h the rortslydaptybwq C1• i o tsdum Yomw.
ca WW QNFrPPOrn pdyKY pouteclidc Me "
.w. a Y torn.
AN
R a *;Iwo esrN mom of Gpkal
A71 ddM rua rwd. a 2003
01 LOLSAK
pw rsu rd by dlto Mnb r of ?a thbb? =
= llomrdednRonailly Meth, drm %bo s
owt lkuro dugs rarRtr auseud. rd the errtdK of
b. If tln co. Z or N appern m do limm a th=e at+tdmem
mw W "Bdane Rae AppRd To, - rmatlply the
Aerv hal- M eadt seamrt by Vma morthh
hWalrt NMha Paymarns Wu maR m w wN ba aealtd to your acedrn as of the 6tskteaa dry ore rrsiw M, proNdd It) You And du Bottom palm of tHS Mtaeat sd - duck
h rite ertdced eW by w ertwlePe and W yea wprnrrt b reMvsd h ar aonMktP Data W 3 p.m. ET (f 2 roan . Ot pNaM apow at Mari Rw (R) btwbtMe prys mr poaal degvay businew Paym«M retsMd by w at arty odor loeetlen a lion +mY odor bun m+Y nor 66ee ersdoed as of tM M/ vw nwhn adze to ma Our mdw a days an tdaldrY dttett u dt SaLUdry? etYOUF lWdsys. ave-dras P Nm M ==.= un prsp?rkq yw peytnern When you Bend tr a CMpkW. Yett atutl if a amt ke a eletttordc mtebr " trmm War
bWc
accouu Ys eMde T1M aWtodzatlan applne m M duclu nalwd dudrtp dts 6itp eyds e'wn It um DY san°at° ri be. bs. It If we carrot Proroee Hte tr•tnNr, roe aWnri:e
us to make a dterp agdMt Your bmdc aawt using 1M duck, 8 paper daft a ahr Mehl.
Ca -_ , ^ KYFF
I'???I/LG Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF•1001
PLATINUM MASTERCARD ACCOUNT MAR 24 - APR 23, 2006
5178-0525-2338-4028 Page 1 of 1
Account S
Previous Balance $799.23
Payments, Credits and Adjustments $.00
Transactions $29.00
Finance Charges $1957
New Balance $847.80
Minimum Amount Due $48.00
Payment Due Date May 23, 2006
Total Credit Line $800
Total Available Credit $-00
Credit Lim for Cash $900
Available Credit for Cash $.00
At your service
To o.B Cast.m Ra fiom . u rgsort • lost .< t&. nrd:
1-800-903-3637
sad papmau to: Sadinquiria to:
Attn: Ranitnnm Proce ing
Capital One Busk Capitd oft
P.O. Boa 790216 P.O. ll a 30285
St Loui., MO 63179-0216 SLC, Ur 84130-0285
Payments Credits and Adjnatments
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 23 APR PAST DUE FEE $29.00
Reminder: if we receive your minimum monthly payment on time for 12 consecutive billing
periods, this account will be reviewed for a potable return to your Non-latoductory A.P.R.
You were assessed a past due fee of $29.00 on 04/23/2006 because your minimum payment was not
received by the due date of 04/22/2006. To avid this fee in the f inure, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Chatges Plearexe feverurid*f6r impamst iajwmration
Ba/ara•M P.r,edr d
m ?ylydb rLr APR
A
'r PURCHASES 1808.65 .07805%P 28.49% $1957
CASH S.00 .07809%P 28.49% 6.00
ANNUAL PERCENTAGE RATE applied this period 28.49%
Y PLEASE RETURN PORT1oN BELOW w1TH PAYMENT v
0000000 0 5178052523384028 23 0847800100000048003
New Balance $847.90
Minimum Amount Due $48.00
Payment Due Date May 23, 2006
Total enclosed $
AccountNumber.. 5179-0525-2339-4028
Capital One Bank
P.O. Box 790216
St. Louis, MO 63179-0216
Llh,ttlluII Is 111 11111sell 61Ot11 1161 an1611er61 11 1
P4-'e asiteyorr amorat.... 44 nyor
Pk tr.d ?aJ?1- K. -M.A
Apc *
cap $ww ZIP
Hem. A- Alt-w Phone
#90113220743383320 MAIL ID NUMBER
KATIE BURD
1198 SHOREHAM RD
aaa CAMP HILL PA 17011-6135
chat or moray order made payable to Capita!One Bank and mail in the mdared enw1ope.
r
eeeve?
Z
g
O t
O
LL
N ?N
1. NaYV To Awid A F- 47-0••
trace Ill . You wY haw a micron grace period of
to Periodc rate. To obtain the ewrape dolly balance for the
bGINO oovend by the shtanuent. vw take the Your 0.00" if it has. already been domed For omnpo,
if You auaNndzed a purchase Imm a mndurc and we
ur
a
d
ft
.
25 dap === - row few
balance pPurtlrpm end omv Olh« be belarce M each veprwn vadh bY. add rhY new
ra**
trarnactioro to eadr megnsN and euearacl any r Yo
-r a
e Hea
recdw the oraout donr m t
account has been doaod, your account win be r -aol.
changes If you pay Y•ur toW "New Bol.re,•s . N
aamderde wM the Nportan Nodco tar pacer-w babes, f hhth
« aadla IN phe cods N appe?n m 1M 8om o
stateroom and m'Sdaroe Wn /upped To: we also
l
d N
h
b
coe
k
d
d
yo« account.
de an-nt of tt. be melded re
and you w?gl be br f+M-R. H g-e ie m
the fee wi ccrdkere
fee for your account
manbereld
and N time for it to be asdpd by Yt*r nhaa raterhhra
doakq dam. Ttrne b ro pees pndod on mh advrdm en
t
e
a
h
un
a
subtract any updd francs Marge
e daffy W Woe of each
of each 1 Tine give
i
h ,
P
m M d-god. m Bee efaaR by low, naaM do
en N fiI as dented show.
a biruea hp b
snud .pedal varumfers. N edblah, Here b ro puma pafod
' « eac
vepnaa. 71-r, we add up dI ddppyy bManeee
aled E by tM tool
5.
the NWn
d b g
e«sv
7. U.kq Yar Aeeuraa.Ygur nod « accasd carhnot M
New
m ant. trerrecdon N you do not pay the total
ydrm
" p p
r
.epnan
naMr of dap N the 6Wq Pnlod Tab dues -the teal N cnrevtibr will any Internet ga MMrq
.
b. Aeonbufi Firree pup. Trarctiae vdiM are not
auged m • R•s D•tl.d r arced Ikhenha dhmrpe 11 swrap dally O.tsroe of each vevurem.
3. At= wr«rtep Raoam IAM1.
e. NNotic.tlee. Abobwu
About El.eh.+h ch.ak t>vuwoden. When you
ld
d
d
from the aeon of the transaction « 2) from the dam the
trarreedan Is processed to your Aaoma or 3) from the .. ?thy gem 'Ahsed Prnru.ge Rato' may appear as
APR' on the trod of die ecamano . er m
ze - a
o
phovlda . Y•a r
=Aft
;=Z= dealt m Hake • onhsNme
dual uelrldor day of Into tar sat hprp aerkd AdctfahNy,
the
usvb-
l
fi
'lb
B b. If the code P ptimsl, L 13•mo. UBORI, C (Csrtlfiate of
DepaiU
« S Rorkeard Prior.) appe.n an the from of
«m
dcetmmc fad ====
hen we
porsee tl+e pm
D
rhem
am
w
a
if y- dd rot pay de
biq pahiod N full, fines dhaq.m oadkee to news to .
tins rrtrtlerht rand to the psbde rrteW, the
d
APMIAI PENCBITAOI: RATES
d Hoe Nfonnadon n ypr dm m make n docam c
ba
kad trompra futla , dos YMddewt float Your bads
yar upakl balance urd ds upald b.lrwe h pent N film:
TN. mere that You mW eta owe lrnc?e dnupp, awn if opra?ar
rp
rates an
may wry ¢tarlsdy acrd may Naaaas «dectws based
Watl Sam
l
d N Th arrautt as soon n 8q cam day tw ncdve yes
Pa m and Yaw vAI hot necalw War deck 6xJt fiom
K
r
=Z. de eMm es Bslaks Nutntldon dr fmm of
by fir tea vmtat-r doiV ales, hr dM ou
e
on 7M vubd Ytdoea, p
?«ana4 PM =
=
-,
Y =
7 iwdmtWtt.
,na
&
Wu
not do an for the p vAous north. UtpdO finance deeps
rt m ttr appir?tls e.pem al your Aamur.
bd that
F« earn Niq psr
s
Fi
rw Clr
Mkri .
.
-
1
TMp dungn
1
bllirq pealed -= M your paiodc statamrn rrdtq
N ton manly Jrwry. App, .kiyy ant October.
BILUNO RMI TS SUMMARY
(N Cpm Of Ermn Or OWdar Abaft Yom UO
m
.
nrn
h
g
t C.
yar accent fa¦?.Ct m • imam Mare, Irtkinroan c. 11 the cod. D ?Mml. F (1 mo. 1J80W «O (3- If you Iltkuk Your bill b vefoq, «H you toed mac
in
ch
and RWJCE pMAfiE of OO.GO wq M Npovad N de
trod firemen carp roodtkq hem Ile uro0ndon of yew UBOR R,patetl Madald m 1M into W Y.ur
vutrrwd rwn to rte penoac r?1W) pre pAadc ores
dr?
AM 'A' P61CENfA(iE RATES msY
d m - m a
, vou
Infaenadon on e tray -l%; h « b
seMnts eheel a noon st powNm at tM adMp fir
Nuufdp dro`ew on M of Na emmntod. We nest
psriodc rrsW Is lap M W 60. ws wi wblm« ttrt
arnom from drs 00.60 atkierrn oral the dffaroas will be
cc
rr
f
? ?orne?a?
p
r
are= katspe or dearer based on t e
wry mmWr
are land'n 7M Ws1 S~ JeoreaG asks
stated khdkce Iex Iron you ro Imr BO cdaaww afar we and you tM
fret bill an vhkh the « praMem spppnbd Vm can
o
a
r
.
bisd to the prdrr esptw
td. Telaprry Re". N F9ree p-M We rsptw the .
,
the marQirt PtaNaaM dbdned m You. llrp of an ell eta Oumrmr nanbar, Ma ddnp so vA not
tM kMOwk
knb
N
al
dlpt to not apep any «.1 Erne d-pas for may glen
l
d wM dos eHxtil a on the Wn day of your ding t-lod
each mordh q
r,
es -
Ylwr
pemrw Yar Mltu•
intormalkur Yar r-ns Mal accatrr rnumber, ge dogar
bitp pa
e
2. A=Daffy so_ 1 • Nsw Prdrmal.
is call ?ed b1r anidplykq the ally
Nmrhas car
a 4. Auer-i of I" Overidt oral RsbenM =%.=
Your n:oam wY be aavemsed no more the atom[ of do suspected «rw, a dasedptim of Ito error
'Wan aphmion. N al vAry yes bdbve gore h
p
.
balance of each espoam W War aeeaua (sap.. uudh
anal apad,l purdeee)
aped.l tarrrbr
pudhpa
sdwroe Maw foe tan Dear dtrkq arty bilkq period Under the
temp of your asmnhM apraruhem, wt = t o ddht m of actor; «if you need N • drerlpdon of
the Itpu Vott sn trrus 6 ?. You do rot Mw m pay any
,
,
6;;&i
.4atdq ally P+tl.ufe tat Ihae boon
by the
vnM « not m aarp arty fag vrl0eul prior rrWfiatlan to
1M erne or aknper
d
ateun N @eedon cable iwa sro Nveatlpoirq h, bun Yes
am am ablwled to pay If. you of your bin tlut ere no
do bM y ArJard to you At the ad of each by duke
1M hiiq wa appif I. rMy prbufic ram for arfi ¢d to -
wdv4q our
n a late tkm. N pwtlan l ws yar we na+ot
a to comet[ 11e
d k L ,tr
d
fi
sspnra your mcmura to the b.ped. of each
aspnere. TMn rt 1M erd d dam paled, vro autl W 6. Yar Aerua. If • marierdip tee
30
ras-n,
tra
nine
ar
yet he
"
X
00 ngs
y
.
ral-t rm p
amaad you 9urptl.rt•
dha tahardu of tMp daft. ahkwlutiar m annM M
periods lkenea d-p fa ern serf. We add up the to
to
was
tna
this n
Na
mem
dam
=
.
avoid psyirq the fee or to haw such 1p erediedYoau You i,t Special Rd. Tor Cmdt Card Pudups
nwb from each vem m amw at the total periodc
firh.rim dusr0• tar yar manor. To get de halarurs if you unc?al your account. dnbp tine pedod, Vats 1=
eatrker to rrs you atela.a "== Ile
If you hate a probhm Wt h the W Wry of property «
Tor mmch vephesm of Your aooara, ws tab 1hs b.pksinp memBeuNP has. To carnal Wut aaw
wtdt a emdt nrd rd you
h.d
aorkea then you
balance for each sepnre and add ray rrvr breedire
N rotlfy u by c!lfittp arlf Cletorrtsr RMNlere Dsarbcem
r law BsWre N 1JI lexdudnp the
d haw tbd N LWh t career the prablen xM tfe
the coalin
d ton m
a
I
f
d
ae
-b=k. drop nl0laosd an tlr Dts
We 0. aub0aet cry
Wet a
rwa
V an
pay ya
tr-nbataNP fee) pMr m tM and of do tHny-day perlod• g
p
y
rw ?
o
i
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capt"l/I?G ^ • KYFF
Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
Account S
previous Balance $947.80
Payments, Credits and Adjustments LOO
Transactions $59.00
Finance Charges $20.10
New Balance $925.90
Minimum Amount Due $125.90
Payment Due Date June 23, 2006
Total Credit Line $800
Total Available Credit $.00
Credit Line for Cash $800
Available Credit for Cash $.00
At your service
To an Cue.,aw ReLtiaw or to qw a Id •r amlm aid:
1-800-903-3637
Sind payments to: Scud inquiries to
AWL Rwhttmnoe Nw-ing
Capitd 0-Bank CAPW One
P.O. Boa 790216 P.O. Do 30285
St L..6, MO 63179-0216 SLC, Ur 81130-0285
PLATINUM MASTERCARD ACCOUNT
5178-0525-2339-4028
APR 24 - MAY 23, 2006
Page 1 of 1
Payments Credits and Adjustments
Transactions
1 23 MAY OVERLIMIT FEE $29.00
2 23 MAY PASO DUE FEE 29.00
Please note that you were charged an overlimit fee this billing for going over your credit limit If you d
like to find out how you can avoid some omlimit fees, just us at the number ou the bark of your
card--well be glad to help. Your business is important to us. Thank you for choosing Capital One.
You were awed a paFt due fee of $29.00 on 05123/2006 because your minimum payment was not
received by the due date of 05/23/2006. To awid this fee in the fuare, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges n
PlrartJetrmfseffdf
nrp daxttixfiA
frr7
al loon
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Pfllf?e CCm'S
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PURCHASES 9858.43 .073MP 28.49% $20.10
CASH S.00 .078M%P 28.49% 9.00
ANNUAL PERCENTAGE RATE applied this period 28.49%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
0000000 0 5178052523384028 23 0925900100000125903
New Balance $925.90
Minimum Amount Due $125.90
Payment Dne Date June 23, 2006
Total enclosed $
Acoowtt Numbs. 5178-0525-2339-4029
Capital One Bank
P.O. Box 790216 11 111 11If111If11111111
St. Louis, MO 63179-0216
LIIuuILullllurl66r16euelrlnIUrl6tttrllrlln6rhl
Pkaee w*, y.- aemant number mymc
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City Scree ZIP
Home Phone Alt-w Phone
#9014422074338337# MAIL ID NUMBER
KATIE BURD
1198 SHOREHAM RD
^ sfesisvisif CAMP HILL PA 17011-6135
N =•
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,t w mm/ey ordfr madfpayable to Capital One Bank and mail in tbetndored mw1oj e.
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ff you eWledted a geplmr ton a nrdtrr[ and we
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IH the ooh N &ppeem on the from of tide
or credits mcolw the tnnscdon,fron the merchant after yw
emaaY hr been daagd, you aocaru will be reopened,
the smouu of des drrye wi be added m yar aawd,
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p psdod h N, AIrIm dlarymm mrtAar to mono to
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Via •t•terrrnn next b the pasiadc rateM), fm DMOdc
ANNUAL PERCBIfAOE RATES
d
1¦m Mommdm hen YMa' dlsdc m msb rr aretradc
hale arY W vAdelravrlt areas yw kern[
fad trarrMf
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ur upeld helsrlea t¦t
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y
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an
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kilt psrbl
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a [ eF I" Wr1aR and Refloated hrywwt For.
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errs
snoum of tW ¦IrprtM b"a, ¦ dredpdm of the
al wvi1ryry ru W1°w share Is
ad ¦n tilsnu0a4 H PodY
tlm of
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n, gwdsl trsrrbr, aril spend pudl¦r1
evens, Plsdw
e Now hem slot ocour duhp my bMkq penMd it he
taan¦ t Your nroanlar agmanto vre mono tam dks to
de rwdRrrdon to
a
f
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p
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one
m era: ..I you roe
the Nam you are u=se about. You do rot have m Pry rtY
Dur Wu
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I
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dakw
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o
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t
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s®I m UIn defy Mbar" es
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aapnan. Than at If. ad of llr h
sppmm m 1W anon of tlis tmtanas. Wu Imo 30 Y
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me
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palode Aunts drrp¦p Ter each lm each ssplrr. Ws add Ip the
d
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¦vdd psykq tM km a m how awh hm smiled to you
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rub flan sails sagrlan m srsiw at t
Alsroe tsrrpa for Yar eta a•n. To pa the d¦M baialas
we tab des WdadnB
1« sett saprtas eF yon aoeosr .
Y
"miens to Ir yvu aoomr vMOlout Irvkq to pnY 1W
maMsnkip fr. To eared Yar axasn, You I1 yw Ww a pmNam fie qua81Y of prepay or
salvor tWt you whh a erodt urn amt Wu
,
b¦lara fa asdr mairrM old add manryy rrw tranr¦ctirls
w ansy Arne Wnpn miae¦asd on the pmNar
=
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ad pay Wu Maw Baialoa In hi Mldldr9 the
1es) ININ to to me of tar 1Nrry•hY Whd
manberad haw, rile N irlkh tarot the P vAtA the
maaiwa, You "my MRm rids not to WY the remaining
he- tHn
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a aovlw
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n dm o 1W
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d
s hY thr w
oact my
day
psWro a aadb ++l°d r of tart day dot m loaded
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m rho aaP^+^+• TNa !/? u the sq-tas dally balance
for sadl opnnrY of yw staslrn. FMemter, H you osW the arner
S= our
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MhMZe bik
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e
n Voa
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th
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e
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covered n
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the drys h des arnrarw bikq =T yw totai
Alerlcs daps, rMpy yon defy h•Irrs by rave &. d.
psa
.&sa, sd,
you Ww
trawedam
dm fro, ovednst fine, "terse Payment Mss, cash
f Does not mAaY m brdhase -radt card estrous
defy rem rd by tar rstisr « defer in Me 6iirig
m ra¦Nrp m e dMy bur, taro nmy W a .diverse Mm and rry otlr Mes amssse to yaw
scool¦n. You an msportaHs br Nees anouh whetMr
„?_, Orta slypau hhmradm Privacy prtagion: ses w
aqY varfrln 6etvlaen 1Ha mlafafanl ad rho arrlous of
?e dines" xyVY aaer¦ed, they appesr m yw aenlw• t tW time you raglmst t°
close tW etxa¦a a they ere hrvrrod eWSSgirn m
Tads may rewdt h
et to doers tW .Doan ?s t wow.a?asppi{t¦Ia1s Dom.
C+PItai Oro r • tedaa?ly rmedtend ssrNce mark of Gpital
°
b. It tW coda 7a N aipmm m the hart of thb stamen
mad m'Bslrsro Ram Apple To: we rddply des
eearam da1V 6elentm «mrlt fealllnY Van rrwrNNV .
your raFr
Wryes m Yon aeeoeN sfmr you law
raeaeaad 10 W a de reaolydrlp of 2003
Om Fsratdsl CapaatkaL A71 rids nmrnd
O7L(]I.BAK
GPitN Q1°
hrpatar IMIMe: P•ymarta Y°u m¦1 m r yri be coedited m yen wows as of the hasinan day va nlriw Il, poNdad (t) you sod tlm Iwtrn portion at Was sl•mman ON Yaw anck
h ills frlelaaad msstlarlm anvlaps aril W Ywr C== eoaiwsd in w oreeesaklg cans by 3 p•m. ET (/ t mm Pf). Ham sib. at Mat fw l5] rMrmPmW
o° 1rM Ya•
P• as ds remivad by u at +n1Y o?tl?rpa?bc•'Bm a aliwwma rWr 1u0yfdcot 66er ayeWdnd m of the day was and v them. Our budrmr dM m MordnY ab%
d:e
ee, If we cannot Pno°m the vamle7?. ?eWo
accoua br amour M dlsck rrr •I al ?pNm i p•1 dwZ revived deklp the ]Ilillp Ieycl Own If asaft at I* min by sonteemor noreltirve
u W m•b a Charge against Voa beds aceulsn using the dm*, a pqw draft or odor kern.
CapitalCW KYFF
Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
Gap/ PLATINUM MASTERCARD ACCOUNT MAY 24 JUN 23, 2006
5178-0525-2338-4028 Page 1 of 1
Account Summary
Previous Balance $925.90
Payments, Credits and Adjustments $.00
Transactions $58.00
Finance Charges $22.69
New Balance $1,00659
Minimum Amount Due $20659
Payment Due Date July 22, 2006
Total Credit Line $800
Total Available Credit $.00
Credit Line for Cash $800
Available Credit for Cash $.00
At your service
To can Ciuwmer Rdstiow ere to rrpslt s It or stolen nrk
1-800-903-3637
sera paymeab to send invid"to:
Aare Rwatsnee Proawint
Cspta One Beak Gp'dsl One
P.O. Box 790216 P.O. Bar 30285
St Law, MO 63179-0216 SLC, Ur 84130-OMS
Inmonant Account Information
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Visit www apitalone.eom and register your account to start
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Payments Credits and Adjustments
Transactions
1 23 JUN OVERLIMIT FEE $29.00
2 23 JUN PAST DUE FEE 29.00
You were assessed a past due fee of $29.00 on 06123/2006 because your minimum payment was not
received by the due date of 06/23/2006. To avoid this fee in the future, we recommend that you
allow at least 7 business days for you payment to reach Capital One.
Fumce Charges PkxewreveraradeforimfWod inA nlatwn
Bd.eardr Pv+s6e ? ?
?
'ysda s Ir t:tu+rcti?'
CII.4R
?
PURCHASES 1937.75 .07IMP 28.49% 82269
CASH 1.00 .07805%P 28.49% 1.00
ANNUAL PERCENTAGE RATE applied this period 28.49'%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052523384028 23 1006590100000206593
New Balance $1,006.59
Minimum Amount Doe $206.59
Payment Due Date -?July`222006
-
Total enclosed $ I
AeoountNumber-. 5178-0525-2338-4028
mom
Capital One Bank
luul nm 1 n ?
P.O. Box 790216
St. Louie, MO 63179-0216
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Stress Apc
City Sure ZIP
Home Pb- Alw- Pboa
#9017522074338331# MAIL ID NUMBER
KATIE BURD
1198 SHOREHAM RD
CAMP HILL PA 17011-6135
III III1111'I'llllll'?111'll'111111I IIIIIIIIII I'III IIII'l llrlrf
Pkare wits yon ancient numbnon yore shale m mmuy ordw mods fayabk to Capitd OneBmr,E and mail in t!x eadmed an+elofs.
r
1. Hate T. A-W A Hors dupe. ?e?iodc rrie. To obtain the average dally belarnae for the
t a a- Parhd. Vau wb hove a iMlrHtnn grace pedal of
25 bye ,Ilh nt Snares dr m new padres, nw =."."b d emend =0".= vre take the
aWnca of aarh day, add arty now
bdatm trwN a, row pedal prchtlee rd rove odw
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unpaid terse drrlp
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etbtrad any
doskp date. These I. w Vase an cah ed+rwas of each I This ghee u the daily Wares of each
ad specId trarfare. N a
or4 doer N w Slsu paled seOnem. Then, wa add W A the didaaryly bNan
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on any trorasdlat if you do rot pay the Total 'New he
aegman for the tlpirq pooled and dulls by the tow
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yar rarrnan by tlr tteu rrennettt tiosrp nw, tsr did . -ng Oka the nredn Y earAaaad m you
rot do so far the pmvIow ntsrltl UiPUd tones drrqu Those tlrrpn vAt ba ca tM fr day of Yes
rs added m the ?ppubls mspntsn d yar Armtar.
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at., J
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aaru[ foal bsarYau atxotan xY tl ra0aren,
the amend d trs will bs added m your eceonrr,
and yyoouu vAI ba Nr -lcrc H tMr N a
merrrbarap foe for acaaa the fee wig carnkmto
m be m tlr etderd by Nw, rrnf dine
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used in ran connection Mawd. with and ot arxwn senor connection witle . any Ytennet Pmbgnp
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8. Had- Abor Abett Flarbads Clnaak f,Lrvaala, Whir you
provide • diode a M you au1Mr? u eklrr a
tee o raadon firm diode r arks • oastor
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w krfarnepar fiam yoga' diode mk m? elscrmdc
find uwwW, = may be wpfitin n from yaw bank
arccaurtt tl soon r to same day W. mules Y?v
pay % a d you WM riot mediae yotr drndt bade f -
you tarid koduttion,
Y- intension on • tram
c rata seOawtm shoat r aeon
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d on aloe Iran free you - lrisr
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alp r vA'Aah ill?tar?a apps":. a Yau can not
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fleellw on ". fro dry of yes biKtp paled e
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4. Aasrn of ttla. Overidt aW Remand PmYnns Fatl. amaat of iha aupaaW • dasedptlm of 1. anon
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fried hen that ooar during wry hip patbd linden the an ems: or If you toed Oa ead 1 a tlacdpdan of
,rd
tarn of yes urutaaer gpeanem, urea rotlrw 1ri don to the faun you are terms abou. yes do not how to pay any
walw or not to aces tly fee Witlod preen rrtlfoatlan m .moon M WMs Me aw 1NsWy h, bur You
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a{psan an the front of thAS statarrrant, you Mw 30 anus[ your girsdom
dsys ham thr dire d: "=m wa mated to you m
avid peykq tM ies r m arxir tee dsdmd m you t,t Spacial We Fa CreM Card Pudratla
it rite caned you aeeawt. Outip fhb psdod, yes Tory
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=
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membaddp fee. To unrd you auotd, You rmta
nodty u by d" w Qadarnar Rehriiora f)parmem
pay purr Wes Blanes' b SN bxdrndnp tie servlcam tIW you Wilt a erodt card acrd your
how tded In isith m ' rroet the pedhan vAth tree
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pprr ally War p1p wa man tlurr
yyesar a«nun by caNrrp uarr
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10O rallm of
es sddaesm 0f we calm or
ateaun aatls drscb, urcd it
preadritW bNkq.
and caw yes accaun
If yes d0 real caned Y
opera the msrtbhn, r we taled your the
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ptaatttltodzed sttanrprnenb, vm veil carrsider adygtmaryrn ter the pmp?ty r seMetl, err pnaduw
am cowed rayMr of Mrurt a beapm of preMae.l
receipt Ot a drops Yom atdrodzatca m
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reasnud paymrn f fomal, , uah
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advance has and ary odor foal sssaassd m yes i Dow nd
PpfY to Ma*hreaa nan-red/r soul aerouts
adxun. You are raspdWhls Nr tMtl amatma Wisher
r co You :conl ri the tine You nelrlrto to
CMIw One atpporo Inf0lrttc
pdvacY Ixmanlbn: see our
==
mmtan r tlry em Yreurred stMeptap to
yew ngtrri m doe the aaxlud. TNa may roach M m
wsbalm &I www. cam.
CmPitd Cea N a liedwady as
mark of Capital
'
drgps arkg an yes aawtm aka you law
maamM? aecout. to be dead r the reaairr of -r d
dace rowrvad • 2003
? fitatdd Capratar.
Capful One O1LO[8AK
oboh
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tlr raatb of floor oadodmtiar m er= d
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rW fmm radio mavrwl<m
r at the
tonnes tltatps hr yar accatn. To get th 6slrtoe
hmlatoa for mul psrlo few
Tor aerie mgrrr M Yanar maraud, we mks flu
aadt sataaaK orb add ores rtaw trrrmctlar
irnoat from the 00.60 tririru irrd the difbraree WO be
billed m tfr pudrr wpnat of accatrn.
Trrperry Redrdion it F1rra drab Ws rotlrve tlr
der m not maser any a cep finance drrp» for any al-
= W. f.... New PerahraI.
of u ,"W bynWphNrp tlr dally
Iiree of . mda b
hmlrtca e msperr of __ Uy. ash
mdvarom, purchase, >pedd I=., mod .pedal pudrtl)
by dr mnreya?drp defy psdodc nateI. nor has
been
prwbr mlypdWcloomedto you At the sad of each
year r? ym tM 6iF Wirer ot8
the aaa
Thar ri tlr mod of the bibrg ws add tp
Ispadard Mspsa: Paymwm yes mat m a rnN 1» rsdted m yam meaun apsnofoataMYWp aloes day we rxdw lt, PmNOM (t) you wq"bore partlon or fhb and your diode
6 the enrclaad rmdttaea anvdops =M": Many b reesfvsd In robs - as 3 Pw??n dw2 tlrm? WilrrsdaY :nrrwMlr G tersest rya.
Paymsrb rsoelveA by u st my otter u4W tam Tory art dysyy y? ogle
PNass rb not tan rialMm gpsr fir, am. rArn pqa yar M am. Wlrrr You ==X. adrdzs u to ia dedrodc tranfer debit hen Yw bore
areaud for fr attttnnt o? tM drr:k ThN adrrizatim apptw m tl eMcb marvel H aan by somsaa abs. If ws carv of pnouas 1M Uwwkr, you autrdze
u to mob a duMe agakr[ yaw bank arxxran us(np tM dbdt, a paper draft a other ttan.
CApitalo• KYFF
Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
10
PLATINUM MASTERCARD ACCOUNT
5178-0525-23384028
JUN 24 - JUL 23, 2006
Page 1 of 1
Aooount Summary Payments, Credits and Adjustments
Previous Balance $1,00659
Payments, Credits and Adjustments $AO
Transactions $35.00
F-mm,ce Charges $24.26
New Balance $1,065.85
Minimum Amount Due $265.85
Payment Due Date A" 23, 2006
Total Credit Line $800
Total Available Credit $.00
Credit Lim for Cash $800
Available Credit for Cash $.00
At your service
To can Crstomw Rdstiom or to rep.". It or stolen card:
1-800-903-3637
Send pgmenu to send iagairica to:
Attn: Re atattca P"m ing
Capital One Baok Caput one
P.O. Bos 790216 P.O. Bass 30285
St Lat1., MO 63179-0216 SLC, Ur 84130-0295
Important Account Information
Take control and start your bill onlim for free.
Eliminate the hale of wridag chxka, finding stamps, and
sealing envelopes. Everything you need to acces; review, and
pay your bill is available online. Our website offcrs you a
convenient, ample, and secure way to manage your account
Vnk www.capitalone.com and register your account to start
amplifying your life today.
Transactions
1 23 JUL PAST DUE FEE $35.00
You were assessed a past due fee of $35.00 on 07/23/2006 because your minimum payment was not
received by the due date of 07/22/2006. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach CapiW One.
Fmm=Charges PAAaxe, wrevermsMe r/6rimpodaatinf'vas wrn
N Ad~.*
1
r
d Perlafv
i
PR R&H
t
-
t
$ 1 ra
l
PURCHASES 81,018.26 .07942%P 3&99% 824.26
CASH &00 .07942%P 28.99% 8.00
ANNUAL PERCENTAGE RATE applied this period 28.99%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052523384028 23 1065850100000265855
New Balance $1,065.85
Minimum Amount Due $265.85
Payment Due Date August 23, 2006
Total enclosed $ ?
AecotatNumber. 5178-0525-2338-4028
Str
City Stitt 21P
Hoot Phone Ahaaate Phoa
#9020422074338339# MAIL ID NUMBER
KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 111111111111111111611 c CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216 a,
Plc v teyotvawountasmbaonyarr,bwkmmoneym&,rw.&p9&ableteCapitalOwBaakandmailmtbeenAvdenaulopc
Pk-t-d dJrac.6em.k1 - dH.-Mark ink
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e. a- Pr" You vmTl Mw a mW- pmts podod of
26 days wkiteu limos dwps m rmw purchases, now
boleros tartan, n opwW puMwoe rd -w odnr
Charms. If you pW your WW'NSw 8alarcs', h
aorardarto wih dr iryormnt Norita for psymrMa below,
rd h elms for it to be aerioed by your nett amtanrrt[
rJOeip due. Thm Is m pace park= m Cult advrms
¢ers pseud
wd apxJU trwmbra h dddon, there low
m arty trarrarbrt if you do not pay the total 'tow
b. Aerrio Fit-- Charlie. T-a-drr skldt em nor
homdr dre of?dr tireerJlar? 2Vfrac tAe dw drtl
trerraafon b p assn f to yutr Acmnt or 3) from the
tint Wwxbr ley of tiro assn 6Nitp oarlod AdAriaWy,
pmNar
if you did rot pay tlm 'Now Bdrto fiam 11.
hiitp Weisel h ft/, tbtrne M•rOa• crMNe m acme to
wtr raweld balers wM the uMald bola wt b paid In RM.
beyramtN babros of am aerPnerd ea=t MY, am wry MW
trrwactiam to rdt f?naM and atdmract arty w?r?mlf
a cmd .. fit to cods N appmm on the from of tab
retmrent new to'Ddana Rats Applied To, We also
a Aram any upatd ktrtpe &AW Irduded in the balamo
of salt aaprn?.) Thb Ofwa u to dry b.irtos of each
aegnmt. Then, wo add tp M tiro ddeaf?yy baWrroe for each
=j- 1h. paAOd ad dtdde by e total
dap h tla blMq period This tawth. w the
average dry bless M ea=r aaQrimt.
3. Amrwl P.-A". P b. IAPft
a. The term 'Arrwal Pero•rtta0• Rae' may appear as
APR' m the hoe of ells natament.
b. 9:=j,% P IHelL 13-rno. UBOR), C McNNCato of
S 18rtkcard Print.) appose on the trod of
VIM statontre next m the pododc ma(st), ttn pabdc
rat- end mraapatdne ANNUAL PERCEN'TAOE RATES
may wry garmM tell n,Y b,- a else-- based
m tiro auto= indices, . ,vd h TM Wit SYrsar
yar octant If k Itp already been cioeed For etsratple,
f Yore arrtlnd If a purclttls ban a memhrK std we
recdvs alts trarmaction Irorrr dw modus aha Yorr
scores tw been tfap4 Vote axd ft oral respond,
Me citer? tui addle to yo our remoras,
the annul of
be
end yyoouu vdl be tsaprampe for paymtre. H titre b ¦
menmeralep fee fa yow acoratt, the fee .0 mukaw
t pamkmd Dy bw, cell tits
m he tlm?ped, m die Stoat,
ecoaaY bless htl b Pei k r delknd ebow.
7. Uaig Yam Aaaarae.rou oral a aaxouR aaawt be
and In coraacdon mft arty none[ Orrtbartp
trarawalrm.
S. Ntba Al a.& B.ahsrto g r alw.labNL When you
lk r pay, you autindze u aWamr to
p Ade a ee
tar hfemamlim fire yqr cltaclt m make acne-rite
eiearardc fuel tm e rot ryom per atom tlm Wa m
u ins ttr pe fi r, adrcictrerar9rr. VAten ors
u rts b, 11deck m melt r deetmde
had tte mrteltlon belt may be wday you
brat
arnmle as rat p tie eels ley - bow we mpdVa y?r
?5rptcW k Nola0 wt n, m-l- your Mack beck fits[
Tins mterm dw yw mry a1N owe terme, ch apes, awn m
!ow Bdrra My»d m the fiom of
you pay "-*by*
yar or forr rev tame= araarrwrtt do dam, but del
not dot so r for the prsNOrr stored[. bkp•id dr flrnrtn dwrpp
tMs?m?ap=.I?eMVa?~
c. lAimaa ?iras.?pOr-•iyp. Fa rM bMrq Prbd 9rt
total FTNONCE G4IATIDE of W.6011MI?bs?hrpoaed H Ute
tad lira-dot ?stw--it 0fiom tlr swppi?ntlan dtyNa[r
rr bamm the WW.s60 rKamman: ea do affatrattas vA be
lid m the prrdrss of aware.
0. Cep Of Ermm Or 0- 0- Abou You Bs)
H you tltidt you bi b w " a H you road more
Intamation m a tr.rr.ctiah a b11, welts to u m a
aapana abler p .salt tl V••ad• n tits addrop /or
btOddr alatamt m the tram of tN. stataratem. We rout
boar ban yin ne tart Oue SO d•Ys &law we seta pu the
firs hi m taldtlt tiro ena? -=L pp-reel Yau Or
CA oar gmaorwr fleud" mddrq r wfi not
=== h -7=1 Ohs u 1M troydrq
arrtorre of ? rune g?rnrmber, ol?ihsma
and r uPlrw k not poeyrehal yw bsGta to. I
of
an error; or H you itaad mtlm You do r, a else=
=r,=" atlas. m do eta haw m t You"
gnW t pay W. aw invtl=P. np It. bin pot Xd"W hnaWOaPact. ow .. -t
°ryyo: pue';'n 'hN ooMct M
;,t Special RW For Crest Car= Ptrdtae-
If you haw a problem with the pwYty of prapeny a
serNoa Cwt You tnltit a titsmelt oral rd yta
urns tell h Ai=r m to problem with du
mordant, yw tney PHI M d?a rot a MY the ramamain du m 1hs a asrttenYou haw .:*v
D60.0M!Ocdam art orlomdwmatt pdo was rtam Met
0 ad the ppdwe oral nets In yax hone state a
W=in 100 mks of your R- sddtom Of we own or
epuaA 7M mmtlunt,pr- II wa mdld ya tlw _
M coverod mWrdep of armataq Of IOS*M Of Padwr.)
PI-se mm-rober to dgn all ierppondertoe.
t Doaa net apply to amrnter --ad& Cab -.4,
S Dora. nor apply m htmu mss no-aWf cW acconms
Gpkal One wpfsrb,)nknpdm Pd"cy Protecrim: seam ore
webdte a[ www. mn.
Capital Olw h a My eeMo mark of Capital
2003
Caphal ormal Ctepaation =yea reverted ° 01 LO BAK
,route( pits to nerds omNarly drloesd so yvu
Thor d?enpe? 1tA be bi6k q mmrir JeJssOM
In Ayp.===
dyC. If to code D 1Prbne), F (i?rio. LISO10 a O (3+r.
m eta urn or you
del, Uu -rlodc eras
t d T-porry "dkn Yt Brame Oil- Wo -
% r nepnrdaWy dacloasd to Wu. TMr dtrrgss
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,
_
rpr w ant oral ry a r frrtco dwOp for" v w m the tirR dW of Vrr bRNrq prbd
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w to make a charge agekwt You bw* ac-et uaiq the citeck a paper *aft a otimr item.
Q-WftWCW
I what's in your wallet?
KATIE BURD
060
MAKE A PAYMENT. AND TAKE CONTROL
OF YOUR CREDIT WITH CAPITAL ONE?
Your account is temporarily unusable. The good news is, by paying the
amount due on your statement, you can still bring your account into
good standing.
Let's work together to bring your account back to good standing.
You can make a payment with our free check by phone service
or speak to an associate by calling 1.800.955.6600.
02006 Capital One Services, Inc. Capital One is a federally regirtered service mark. All rights reserved. 060-07754
Q -;X
Account
Previous Balance $1,065.85
Payments, Credits and Adjustments 1100
Transactions $35.00
Frnance Charges $26.56
New Balance $1,127.41
Minimum Amount Doc $327.41
Payment Due Date September 23, 2006
Total Credit Line $800
Total Available Credit $.00
Credit Line for Cash $800
Available Credit for Cash 9.00
At your service
To all Custoraer Rasti a to report a last or stolen card
1-800-903-3637
Sod Payeatnu tsar Sad inqu-to
Ato: Reminanee P-in$
Gq' Oa<t G' One
P.O. Box 790216 P. . Bas 30285
St Louis, MO 63179-0216 SLC, UT 84130-0285
Important Account Information
Take control and start payst?g your bill online fcr free.
Eliminate the hassle of writing rbecky Sndiag stamps, and
saline envelopes, Everything you need to access, review, and
pay your bill is available online. Our web4t0o ogas you a
convenient, simple, and secure way to manage your aaount.
Visit www,capitalone eom WA register your account to start
simplifying your life today.
PLATINUM MASTERCARD ACCOUNT
5178-0525-2338-4028
JUL 24 -AUG 23, 2006
Page 1 of 1
Payments, Credits and Adjustments
Ttansacdons
1 2,3 AUG PAST DUE FEE $35.00
You're behind by five payments - so we've permanently suspended your char 'ng privileges. if you don't
make a sufficient payment in the next 60 days, well charge off }our account If ymv account. is reported to
national credit bureaus as charged oA it'll have a serious vopact on your credit reaud. Please don't let this
happen. You can prevent any f triter damage to your credit by paying the amount due on }our statement If
you re feeling overwhelmed, give us a call at 1.800.955.6600. Well work with you to resolve this matter.
You were assessed a past due fee of $35.00 on 08/23/2006 because your minimum payment was not
received by the duce date of 08/23/2006. To avoid this fee in the fitutre, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance ChaMn Pkaresa rerwfesidefor important iin?nfymmlation
Bdarae
?6'eda l.r7Rhk4
rw
PURCHASES $1,078.64 .07942%P 28.99% 82656
CASH $.00 .07942%P 2&99% $.00
ANNUAL PERCENTAGE RATE applied this period 28.99%
PLEASE RETURN PORTION BELOW WITH PAYMENT
G? 0000000 0 5178052523384028 23 1127410100000327413
New Bahutce $1,127.41
Minimum Amount Due $327.41
Payment Due Date September 13, 2006
Total enclosed $
Account Number. 5178-0525-2338-4028
P4arp.9rt.rai6',gaL mrserrmaihkw.Ad m-aa,M--,V.?k ark
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#9023622074338331# MAIL ID NUMBER
Capital One Bank KATIE BURD
P.O. Box 790216 Itlulultlsllutllul 1198 SHOREHAM RD
St. Louis, MO 63179-0216 °aV CAMP HILL PA 17011-6135
Idlttnll-rrJlLtellslullumltlrnlltllnurlltllnlulrl ? IrullltullltuutlltulltllnmllullultltltlttlnLLdJ
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baWnm trrmfere, Itaw spatial pladrra and row aUl«
craw if you y your teal -leave BaWheo•, N
aopnWhos Will rhea Ny= Notlos i« paymara be-,
and N tine for k m bs aaeled by yorr roe aatasont
tloeirq down. There m ro Voce padod on caalh advrkze
rd spatial tramfas. N adhftlon, tltsm M ro pears pabd
on eats) trarracdat N you do rot pay dhe rota 'New
baWhp.'
It.
Aaanrkq Fibre clays. Trarractiar Mitt are not
f ttd can of filar vanaattlon « 2rldllan rhea deal l
tlsracdon Is processed to vole, Account or 3) frown the
filet pbrhdar 6s) of the wrark bMi? period. Adddor*Ny,
f you did solo[ pay tlm 'New l4slarhoe flan fir weNar
yhy'aaFrrrhp period N 1r, 6rtp drryr prkiare m sows m
THS a d?istay?ou m?M smW o?.w t rhsl p won if
You Pay tM rkka live 8aiars ihdrarad m tM bon: of
vote, stownerk by the next arerenhant ceaim date, Ina rid
are mien
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td.
bgniq beWme of oach seprm each day, aadd my a
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ai each ae?hdtt.) Tli pivr u ON, data bedsore of each
aepnaa. Than, we add hp 0 to dMpdye6alalhoea for rtlh
;dd tota!
se err
day cod. TNs by,vr its the
aver dally balaros of auh
3. feP sod.
M.ad?ereadapa Rana IAfMtI.
a. Tha tam 'Araael Pslpmago 0.111" may appear as
APR' on the lrotk of die atatemem.
b. If the coda P (Prime), L (3ino. LIBOR), C (Certi= of
Depoal ), a 9 (Bw krsad Pdnm) sPPean on do, teaht of
Mr helete andorr ccew and m the periodic roofs), to ER4T6S
aoadno AtalllAL PERCBRfAO
rrV wry qurtody may Name a deaaar beer
on dm stated Nrfor, as
/and N TM waF Sort
J &-A pkr the magn oretiohry dbceaed m lau
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,on cotewed by yaw P.:.
etetahlare enlrq
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c. If the code D p>Mrl, F (l-mo. l1WM a O (3-nr.
I)BOR Repdood War appears m dhs fink of yo-
a-tenrn react to 1h. Dddc
the MPOn Prevlaely disclosed to yu Those rinrhpes
eef
Necfw m the ton day of yo« MFYhp period
each b. Aaraaark W late, w~ ad maYnmd PsAnne Far.
Yo- amours vkll be aaaeaae , ro more Om two d 1M rasa
Noted lure Not ooae dsirq any b" wiled. tkda dm
mms of yaw artarrr {{ ?sore wrarve the Itlrr to
vvahe « wont m asaer enyMada]If pbr rodlksdon m
wdtlttd vrslvMq owe tlpk to erase eke wne « eimNer
at a Mtr tkne.
6. sow Aaaaa t If a mrnbaaldp fr
appsen on rhea flak of t(1b aroernan, you law 30
day flan the can dis sts"ment vr=t. te You wNro the be OF n haw arch d fo you
N Vou -nod Yore aecaak. arrkhp cis wriod, Wu may
tantewm to tea Vote aaaak vtitlhae luvkq m wY the
mamDenNp fee. To tlntal Yee attalak. you IniW
noddy u by cMprq ar Chonarr fmlatarm DewMham
end wy y« New Bslrhp' N td1 indudrq fir
nhrlhsrwip be) pd« to tM end of tM 1Hny-deV w-d.
8. N eau Claea Yo- Aaopuk. You tan reVhteot m dose
your atrarrk by taltrrp, o- patomer ack "
0awnman. canca you tweet lzed sM
aaant upysechsoks rswcd ou mud as prar
elmeizse
bmhq,
and per ue== . If tanod
peaemwized ana, we WN priod«
raxipt of • tarps your alemkzatlan m
aeeark. Adlttlahry, You ahxohak vep rod be rJord
tent you wY r arnaaka yw owe u kdudwq: awry
trrocdar you drove ahMrdted, 4urhp emgw, pest
dal bee. Owllkldl leea, wettfass wlarterk teea, pah
advance tar ahd soy atlmr faor d tr Vows
ahxaut. You an raapahsites on stags rr a rhharln wirU
o
rimy appear on Y" accent at 1MTMapegwrm rites yw weµrto to
dose rhea aeoouk or they aro N to
Vows request to dire dm as Crown. Thu may waalt N
your soraan if k:- been coped. Far sxrrhpie,
if you atMlaked from a madrrc rd he
recalw dr "Fole-dan front the nmrdmlk 1 Vows
aaaak has bean dosed, Voter ek vNt atwoe be reopard,
rite amount of the dr w10 be stilled m
an yaw sccolrk,
d vybovu, i be Ie?TOr p the ft fee If Blare
as relhalep fie for axohn, the will prda
kkwm
m be drrdd, to dr wmimd by Wv, urea dr
aLaorlk Mlsrne tw berth PYd N fill as dented above.
7. l1Yq Yav Aeeeuk.Ya(r prd a atcwd -Ft be
hared N torwhetlfort wklt eats) inentet p-*"
trarre Abet
8. Ilatlee Abet ElarbshdsUralt Qrtwabn. When you
alah«Ize u aldhr m
prseide • cheer r wyathwk,ockyou
tree Nloenati c hen Yole, ch
te make • owhedwrhe
ebdmric Aad trrrfer Trorht Yoke, bank acm-t or to
poser tlr paylad a drek tranaa«ia? Vilhen we
ham kdamadat frown dlsdc m make sn ebdtoric
fhahl Z=, t msIi be wkhdrvt from yon bark
arrsr dr err day we restive
yaw
yM1W rerdw your d*ck
d" bathe frown
of 6wora O.?air Abou Yo- BO)
Ylk yo- b a N you need mote
ononatr ahm, raft to u ma
ohaot r soonr p ..be at elm accrete for
am- on the trade of tin emtrnern. We (alai
a yu ro 42er thah BO ties) iM ws eru you the
wWcih tea «ra « appeared You prh
IF
amend a tM atrpehtea a descMdon of the error
and m sthplrrdon, H of you beWve there is
an errer a H you need inbnna h, a dredpdan a1
dm non ya «. -awes . Yeu do not Mw m wv env
rlwn N
m Ws are n, but yowl
m etch wi Y r t.,e?wpatrsm of yor?e,?leadadrh,on are rot
N potion. vve lm ye- ion we raramt
?ny? » «mke arty upon to rnNxt the
t,t Special We Fa Credit Card RucMaea
If you have a problem Milt the ft, of prepaty a
savioea tiro you Mdh a credit pre and you
haw tded in faltlt t papa to problem with tlm
rnereHn, you sorry. hew IdI now to wy dm remeWnp
amove due on dm a aarNps. Yw haw do
pctsh:lien When vaa mere dhrh
!50.00 and prdrr sows nude In yaw hum sure a
vdMN 100 tear of ye« olalrrp addror. Of we owh or
aperam to rhmtdwn, of if we MAW yaw the
sdwrdseneM for 1M a aervkaa, r Wndhaer
are covered repardw of ?rw?rd a iacapm of Inadrso.)
Please ronolba to nigh aN rrreaporhdahoe.
t Does not epp/y b ooeauo or ~-CM -W -exhale
3 Aor not apply W boobw natciadr cud uo«rre
Capita Oro wpporm bdorrbadon pdvacy protediac sal o-
vvebshe at www.rcsapdlta1wd,cur.
Capita One b • NdN ?pymred service mark of Capital
ORS Flrlydal Corpaatbn Al rWds reserved. a 2003
Capital Qre OILALBAK
r Urh !O 60, we wi abtra« thN
3.F0 ahKran ant dr dffbrrrs wi its
M sep?wk Of arl'OIIM.
m b Firma We f r the
..p or NO tw hr ch
hp tdhapr for s W phrert
sore dear? m
soPwn ="d Is) nndYglnp do, daily
sore of erh of yv atxiorakTow.pp..?? pah
iatp, pudrea, apedal trrriarad apahial purhrsl
fir s?adrhp defy wdr dirt hda been
waryoon aabaW m you At u. ? h. and Of -oh day Aaaigi
==== dm diy wlbdc raro ( serf
tM dka?MhN? ?tvs W
errewk. Then rtfrand of fir
raaln of char nlaladowr m anM et yaw
bdc t(rhatp chaAa each ssplrm. We adti tp the
rib non each sepmrk m rriw ot tlm fatal wriadc
ors rdrtpe ter yqr -seed. To pet tlmddysp=
each seprhrk of ytrtr arkmuk, wow nka
rhea br ar3t ssplntak rd tld ahy row trarhredar
er.Cjdf«dirt o *=- dharpa eslolend on tlr prsvha
rs aa(prwk. we then shlwact soy
corks «tearW Footed r of tlrt day don are atopts
that aspment. Thte pales u the agrrots Ire bryrlhdm
BeWa hd prsviaa waWnaN hi («
ou new bd- vra xsro a • base[ rnaanl, new
OFF
taaetWr wlidt perm yaw phecmr a apadd
err setwaka owe rot added to the
dry 6sirheea. Wh
adate rhea avaraP duly be&- by adewq r the data
g dm days N iM aeltle biiq ryes. To hylCrkses yaw tae
p
33 Irv dw by tlr
IoW ?rsos ant dyie ?
6
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n ?j I Pero. uu m nuh
q on e /eW bssm, mry b
drro
aNdn vslarme beneaat ilia c0cdodect rd dm amaaht of
d
li
,?Qt rips
hrhae
b. H to
code 7 a N ipheswa fir tlsht of tHs otatarm
is) rot to 'Balancer Ran April To; we nedlbly the
A
12.
a.
NdpwVttac?NWea you mr m u wW be Credited tIs I o yw aoooud as of t w Mgwimse day ves replw h, pro dd (1) yw owed the Dottan wrdm of fhb =r== drY?k
Paytwteres retkdVed Iry u at NRY 9* W bes?Wnya in ary Nor bon mry not bserWmA a at tM dapirv on reedw ? Weimw days anrtMwdsY rioWt San Yy e?q hol ys.
P1eaw b not tw St?lse =T" sec. Mean psgdm ps?mwt Wlrh yw Sad u a W, You wAhodze u m map a oche tkea 1iet.LariC inrtelef Mbn,fian VOLE bait
auocmaotot W ? a0dwet ya=kwdrriz ap m r cMcdbhrapi to btWhp cyds even If sera by aenecm rise. N we Carom process 1M tfambr, you sudmrizs bank using #w dwck, a paper w other ftert.
Capita ow
what's in your wallet?
KATIE BURD
NOT PAYING YOUR DEBT 058
DOESN'T MAKE IT GO AWAY.
In fact, even if we report your account as charged off, you'll still be responsible
for paying your debt. So why not call us to see what we can do together to
keep you from receiving such a serious mark on your credit record?
We're here to help. Please contact us to
find a solution that's right for you.
You can make a payment with our free check by phone service
or speak to an associate by calling 1.800.955.6600.
Make sure you call or pay the amount due on your statement within 30 days to keep your amount from being charged off.
® 2006 Capita! One Services, Inc. Capita[ One it a fedemlly registered service mark. All rights reserved 058-07764
Account S
Previous Balance $1,127.41
Payments, Credits and Adjustments $.00
Transactions $35.00
Finance Charges $28.09
PLATINUM MASTERCARD ACCOUNT
5178-0525-2338-4028
AUG 24 - SEP 23, 2006
Page 1 of 1
Payments, Credits and Adjustments
Transactions
23 SEP PAST DUE FEE
$35.00
New Balance $1,19050 Your account is six payments behind. If we charge offyour account due to late payments, we will report this to
Minimum Amount Due $1,190.50 several stational credit bureaus which may have a serious impact on your credit record. Act now to prevent this
Payment Due Due October 23, 2006 from happening. Please pay the amount due on your statement or give Its a call at 1,800.955.6600. Well work
with you so you can take control of your Capital One account and start rebuilding your credit.
Total Credit Line
Total Available Credit $800
$.00
NOTICE: Look for a new statement design for your Capital One credit card beginning next month
Credit Line for Cash $800 A summary of the key changes will be provided with your new statement.
Available Credit for Cash $.00
You were assessed a part due fu of $35.00 on 09/23/2006 because your minimum payment was not
received by the due date of 09/23/2006. To amid this fee in the fume, we recommend that you
At yottr service allow at least 7 business days for your payment to reach Capital One.
To an Cut- Relation u to report • last .scam eark
1-800-903-3637
Sad payment to Sad inquixie to:
Att: Rmatnoe Pmmsing
Capita One Bak Capita One
P.O. Boa 70881 P.O. &a 30285
Charlotte, NC 28272-0884 SLC, Ur 84130-0285
Important Account Information
Beginning October 1a; 2006, based on your account activity
you maybe assessed rave than two late, ovalimdt, or returned
chak fee that ocaa during any billing period.
Finance Charges P&W re{ rNQX "Ar far impatise 1nf~ion
rn BdeannnY P Calxrlawlalg
N 4166" rAL' ndr ApP(Rj
PURCHASES $1,140.94 .07%2%P 2899% $28.09
CASH &00 .07%2%P 28.99% $.00
ANNUAL PERCENTAGE RATE applied this period 28.99%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052523384028 23 1190500100001190503
New Balance $1,190.50
Minimum Amount Due $1,190.50
Payment Due Date October 23, 2006
Total enclosed $
Account Number. 5178-0525-2338.4028
Capital One Bank
P.O. Box 70884 IIIIIIIIIIIIIIIIIIIIII
Charlotte, NC 28272-0884
IIII1111111III III11111IIIIII11111111111111IIIIIIIII II III III III
P4mprist-;m"r xa-r.ndtalwq.k ,-.WM- -,W k.4
Sts Apt. IF
Gq s- ZIP
Home Phone Alm to Pb..
#9026722074338336# NAIL ID NUMBER
KATIE BURD
1198 SHOREHAM RD
N CAMP HILL PA 17011-6135
a
o ? IIIIIIIIIIIIIIIIIIIIIIIIII11111111111IIIIIIIIIIIIIIIIIIIIIIIII
F
Pkart vnileyorv masons -umber on yon rderk ar monry order madepryabkta CapitalOuBmh and mail in tlx endared eme de e.
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a. Ogee Pitied. You vdN have a midmua groca pedod of
% days whtrut lkrus drips m row purdwes, nnvv
belrra 1r-risfar, row aPedd Ptrdres 0q new otl,«
It you y told wkh Ynportrit Notiee?for ppe)mteraa below,
and H tlme for it to be eredmd by your too atatmap
eo-Yq dom. Tlners s nc Qaes psdpd on rash advarces
and epedd tranvrfpa. In adddwa, Arm H ro Oraca Wind
m shy tmnectWn If you do not pay dr mud 'IHw
b. A.aaiig Fuses CJhage. Transactions
=mdam =P'=ahrctlm
transaction I. It. your Accour
Tltla uahW
rhos
you pry 11
yruatom
Irt ? aD
aPo adsd
Mfrhiea l
t c.
orb
toW Fie
toml urns
in
billed to 11
td Tngrrai
rlyt mppserdrii
2. rAwr-?e DN
a of
perlodcpertarIoe. d To drain tM swraW daily balance for the
bedtr+?0 :::md by 1Ha .[stems, vw tab the
bdarnce of each •aWnem eadh day, add any now
trmeaclum to each segment, and vAre ci shy ymar 1.
« cmds. (x the code N appears on, the Isom of We
aW--M near IQ 'BaHOce Ram Appged To, are also
atbrract any upold imam chow Included in Ar balance
of each aepna?t.) This gives us the dry balance .1 o.0
aegmem. Tlwh, we add up N 1M ddrNyy bdahoaa for each
aeVerap br the dip pabd and d - by dhs soul
.d_ of dap in Ais MNhp period Th6 ywe u Am
'API[" on cis from
If the cods P pans
(Ban
n sort
mm and oc nsepor
11is
of each m
at.
IAPRI.
??L y appear as
L 0-rno. LIBOR), C (Csrdfrate of
rd Prime) apparo on Ar tord of
tlis Wdodc rams), 1h. oedoda
V ANNUAL PERCENTAGE RATES
d may Itrre-n er bcyea-s based
as Ioad s Tb, IYaP Satan
peNoWy dsdosed m you
In
1 N m h trot my al yo+r
byAYpr?tr,Phs/dyode atataman atdnhp
?F ('I yrio. 11BOR) or 0 (3+no.
ey) appe?m m tlhe fine ar seer
padodle mm W, tlr palace woes
tr v: psswaary disclosed in Wuu. Tlrn saws
VA ba W ve on the West day of You btWng pasd
suct, MINK
4. Aa...anre of Lan, Ov~ and Rabnisd Prymrr Fsa.
Vau ,caaap wM ba =.7=7 two n tlm bar
quad Ihero Amt ooutr padad. Under dhe
hems of yo« arena apaanent, we tnarvs tM dpht m
Wales « rol m araan array feet YMlanl prier rhoAtCaAorh m
Mttllrrp walWq our ddn to aarr Ar verbs «aMar
ar - suer tltro.
6. rent Aaeerae_ If , nrneraberaNp tae
appeam mtM he data front thain 1Ns nament -a you r Mw you to
days ban the tea « m ha such m. are credited ed to you
avdd paylhp ova ve atad to you
if you caned You aacue. Dulrhg tlis period. You rosy
carnkhnr to care Y'au accerp wfdrut Mvinp m pay Ar
nctl eating Qa mar RdaOaiai D parpeerrt
a:=1 Now BaWtce- In ftN Wxk drq tlne
m) per m Au «d of she l"", period-
S. N Yet rise Y.
ragas to csse
.AnAoaut.g ou Cyou.c.arrRelatlonta
yyesou accoud M
Depanmwn,. yes sort dseroy your cradl cards) and
.ccpan access tack., camel N prs-Wrdzetl)=k ,
b ran you eeeeup. Ii you do not canc?d
pre,hrlrpasd anarhpemm?b, wa MA carider
rocdpt or a dory- you aurlyd:rtion m
accoud. AddtiaWly, yeu accoup wtl not h- co-ed
-a you pay r arnaaa pus owe a Incl d1
transactions you he. arprdzad, hs W. yq
due foes, owdslt 1aer, returned paymwp ten, cash
advarre sn and arty otlrr sea aa: to Yaur
aceohrht. You ace royarWS br tlrn amwnb wfrAisr
Ary appear m ycu eccaud n tM Wris you requrrt to
the doe 1M -Cceuad « tics cc urn. TMe aches-? result m N
you mquea[ to don your account T-hher y voo
dhstpe, appnriq m yu Mw
yar accaatt if k Inss already been closed. For mmmpio,
if you aWnd[ed a Purc= farm a merdw t and we
receive the transaction hoar ft memlwa after your
,ccotrk has been dosed, yea mccunt vdi be reopeno L
Ais arnh?Hveilof Ais drt?a M be added m your arcaaa,
cadya M rogarpla for peynrm. If these H a
nartbastip fees for yonX amwp, Ar foe vi cenriam
m be tlwged, m tM mum psmtiued by low, until the
accerae belattcs Ica been Dell in hN r dellrrd above.
7. l)iug Year A..nhsd.Yos, card « accoue canto[ be
used in cer.heoriorn vWAn any ipee es gembWhg
trarsalom.
e. Mediae Abet n- We.'- Cl wk Cor-lm? When you
povide a tl.hdt r D+Nristp. you aulnrhe us efdrr m
t
tar tns t fund d transfer yqr fran tl you m bank anlro tra o art or to
or
cess t c meet yo . check ask ck i . When we
process
pro 10 eauadot
her Won flan thyolr chock m make an yl.M.our bank
fund tron
d ay voa n from your beret
acc s mat as, the sense e be -M
account s n coon ss day w- -.1-
W'4 clo yes
psNkw and you wtl not reoelw yar disek bad[ flan
Your firlriN YnaUCrlon,
BILLING RI01RS SUMMA
tin Case 01 Enon Or AMU Y«r
if you think your bi 1. « M You need nhoPo
Ino ..Vat on • transaction or bill, v. to u on
rom a
aepa alwt n n.n n Ipos aWH at the add- f«
d" shann om yes ncmWma Arun pp =ft wawa - rous, Ar
Ihloir fi
Ire W m vdlrh Aft- acme « ,pWamd You can
or ou Lummer Rdat«r nu dear, but doing w vdt not
pwtN Your tidpe. h lstsar, give u 1M W
tin mm,ACrc your chess aM ,coaae n ptio ,Ate celiac
anaad ar Ais surpeCN , aracridgim of Ais error
apa Vou x a Wwryw yeu =''
and ester;
1ter; «x you road IiNOnado nh, • he y of
M Horn you ace man +tkhr. coca do not Myw to pay any
And1e ti gtratlern wHs we aM YnestlpsYrq k. but you
M1 oNoaMd 1e pay tlm Wm Of your bN A I ae no
or 11Rila we in r t tau anyou n, le vatot
wpm you u aernqtan y action lan 16 ,o te4et um
amaak you Vurmtlorh.
i,t Special Rule For Credit Gm Ned.
If you how a ptohlan vpth the quatty of property «
suave tiled y? tad m porwrekchl ? card and yes
m«chap, You may Mw AH ddtt rot problem vAth to the
he « ssMCw. You Mw tlia
pnotah:tlon aNy wfrrt pie was mace tlnen
iFi0.00 and Ar pueiwe Yves made 1n your Ian Hate «
rants of you mainp addresses pf we oven «
=-00
admirdsornent Ifor , « x?. ws mNsd scut the
.. co reds ra tlhe « anvten, N purdwss
Plaoss, renanDbes is sign 44 conespordeno,,,
t Does of apply to mtusnroa soar--. R card -d.
S Doss -f -A.fY to badness noe?cracff cad accounts
Cris supports irsrmnion pdvacy ptotecIlon: see or
Of www. corn.
Otis is a ladwAy owd aeMce mark of Capital
?N Capeastioh. AM dphm reserved. o 200GLB4K
ws am up
Woo chaps
for each for yor access. To gat Am UM/ belarhca
for Gall r each n Your aTOa tai. Am ba?allhg
helssca ae4rrm sad add any raw trarraeAahr
daY?for[list ah0lae. rakalated on tM last..
We doh rLtrect aW
WNnerhm rwdm pasta= n n tltat fry tlrt ace N.
m Art.'; TfhH elves u tlr eeparam fray belrra
osapr+ t no} account. Ilowewr, II you pNd Um
gat
our x Yo+ raw belahm can .- or . cc wk s nond, hd («
trrraetlar mea Part m yar pudhre « apedel
alma n4wos tlr anace6roWt Ws?Womby ad3p all do daily
We
helenoes toprw d dvidtng qtr aan by dw nniber of
Abe drys H the current ding cyyda, To calnJam you total
tyatos drrpr, y dry bolero by the
yavaverage
daily aft and by the nm*w of day. in the
ding
ge m notahdkhp -a dry bras, Utets wry be a
app Wddence between Ada raktlstlm ,nhd tM anhasp of
b. x Ahr?cede Z « N m flop of *ft stnoaop
moo m'B-lao Ram Appfsd To,' we n.AkAv the
wfddh ace not
tync?s cape 1) 3. Ar
non tlr from Ar a.
Aooouk or 3) from the
h ?Ad ?Wy, b*
hatless m ar:111e m
arcs Y Wild i, fii.
bra d+rgea. even x
eel m tlha hand M
IOaIq dsu, bus[ did
c Illarb dlnpss
yor Amoup.
x60 ndlnan and to tifW«o a .0 be
n of acaar
ar It Ram ve ga. We msean 1M
scary «r inao tlrrgss f« any gkren
a od l tad by .tdpWq she dally,
agnae of yea assess H•4. cash
aAanpapedY trauWrr and apedel Pnrdnaa)
asd to VaL At d"h. at sachhdrwbAeeaniq
we. -PPIY the sty Wdode sots for each
s top P you mN m N M bs wadmd m you aooarn as of Ar Dualisas dry we mcdw ft, g= (1) you -end ,M bosom pomm o) Ada natemad and your Mck
mysepa ad /D Ya+gymem H rocaived H ou psoceWrp corder by 3 p.m. ET (y2 rwm Par. P1eaa- sees n sae. tw l6). se dayo mr pascal dr d
=T. tacelNd by us n any des loeatlon « atnY otla bum may sort b- emdtM w of to tsy car txdva Atom. pr buwitisw drys am Monday riwyn SnuNyy?, modtNnp hNdays.
not can rdapl-a Car dq, tKf: wen ==. rW NBard a a dire you aWalu a to make a iris-tiro elecu«lc traufar debk trap you bank
,aoutt br tM artouap 01 tM d. ThH aupmdN s.1u; mcdved du r. tlm blinp cycle awn if amt by aameme also. If vw CWM process the ttamhr, you auMdze
us m make 4 Charge -gase your bank accoue using tlis of a paper draft or other Itearr.
First 3 months half-price
97
a month;
?95/mo. tlmeraaNer•
4
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FINANCE
Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date
$1,190.50 - $0.00 C$26.97 + $35.00 = $1,254.47 $454.47 Nov. 23, 2006
•:•.
•
Sep. 24, 2006 - Oct. 23, 2006 Page 1 of 1 i
MEASE PAY AT LEW THIS AMOUNT
MasterCard Platinum Account
5178-0525233"28
Your Account Information
TOTAL CREDIT LINE $800.00
TOTAL AVAILABLE CREDIT $0.00
CREDIT LINE FOR CASH $800.00
AVAILABLE CREDIT FOR CASH $0.00
Finance Charges (Please see reverse for important information)
Balanoerate Periodic Corresponding FINANCE
applied to rate APR CHARGE
Purchases $1,205.60 0.08011% P 29.24% $28.97
Cash $0.00 0.08011% P 29.24% $0.00
ANNUAL PERCENTAGE RATE applied this period: 29.21%
® At Your service 1.800903.3637
To all customer Raladons or to report a lost a slow card:
0 Send payments to:
Capital One Bads -P.O. Box 70884 • CFaalode, NC 282724884
A Send inquiries to:
Capital One • P.O. Box 30285 • Saft Lake Cky, UT 84130-0285
Payments, Credits 5 Adiustments
Transactions
1 23 OCT PAST DUE FEE $35.00
You were assessed a past due fee because your minimum payment was not received by the due date. To avoid
this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach
Capital One.
6056 506 1 7 23 061023 PAGE 1 of 1 COLR233B OIBC6056
PLEASE RETURN PORTION BELOW WITH PAYMENT
0 5178052523384028 23 1254470100000454471
c4~01,lE I what's in your wallet?*
Account Number. 5178-0525-2338-4028
New Balance Minimum Payment Due Date
$1,254.47 $454.47 Nov. 23, 2006
PLEASE PAY AT LEAST
THIS AMOUNT
Amount Endosed .
Capital One Bank
P.O. Box 70664
Charlotte, NC 26272-0664
III I'll, IIIII I'll
Please print address or phone number changes below using blue or black ink.
Address
Home Phone Alternate Phone
E-mail address @
•90297220743363331 MAIL ID NUMBER
KATIE BUR)
3196 SHOREHAM RD
CAMP HILL, PA 17011-6135
ur???as???uurs??ur??r??nnr??n??rr?r?r?r?n?n?r?HI?r
Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope.
PeoplePC is solely responsible for this offeel and Is rot affiliated with Capital One. Capital One does not provide,
m enclonse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned
p e o p e p c online herein are solely owned by the respective entity. All rights reserved. By responding to the offs( you may be
communicating information about yourself to the company that provides this product - for example, that you are
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to new dial-up subscribers at least 19 years of age and may not be redeemed with any other offer Offer subject to
change at any time. Plane tacknical support available for $1.95 per minute.
For questions, call tog fake at 1-877-778-1207.
Service not available in all areas. Access fees, taxes, and other tees and restrictions may apply blephone tog
chages may apply even during trial periods. )bu are responsible for determining whether a call to one of our
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in the U.S. and other countries.
0 2DO6 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved.
1. Nan to Avid • Finance charge.
} e. Gray la" You A haw a mailnmm grace period of 25
days wWwra finance charge on new purchases, new
balarra bend.., new speWl purdnsses and new &-
charges If you hay your tow Nam, Skancer. In
since wire the knporlam Notice for payee nb bekrw,
and In time for it to be credbd by your ram dassmant
dakg ceta. Thrs, b ac grace period on rash adwrsa
NW special banafan. In addawr, tlWe Is no grace period
on my transaction it you do not pay am total'Nm
bataaxe'
b. Aco ubg Finance Charge. Tranwcaons which are not
suhled b a grace Parbd w aasermd Msnoa charge 1)
from the data or the tcewacan or 2) loom ar data fat
trnssdiun is Poossaed to your Account or 3) from are fast
calsndw day Of the damn being period. Addaca ft it you
did not pay au'New Batance• kern dye previous baling
period in bal. Marrs dwges continue to accrue b yew
unpaid baWrce until M unpaid baWba is paid in full. This
mutts am you an" to ows M1wnee dress, even If you
pay the arks New elegance khdkalld on the front of your
saumara by dr tiara dslamrd doabp dsfa, but did not do
ac far am pe anal mardt Urpad finance design are added
} c. tole applicable aepnntdyourAwount.
hbnl-- Finance Cholo. For each bMrg period dam your
sword ts abJacl le a tirearttm daargs, a nirkrum tow
FWANCE 04ARGE or S10.50 cog be bhpcesd.
} d. T-lidn y Raducden N Flames charge. aye nerve lea
right to not seeps fey or d Marne cearges for any gMan
Mill parked.
2. Avrage Deny !agates, (lnnik dkeg New Purchuae).
Finance dierpe in calculated by rmddplybg ter daily be ence
of each espnem of your account (e.a, cash nkt..
Purchu% apacaltrarrfac and special pucrse) by ar
cominsponding daily a+nlodio raga(s) aW has been
pm4cusly daWaed bym NOW" d each day during
Oro bilhg pariod, we apply 11ne dry priodc raw for each
aepnent Of your aowen to am daily balance of each
as Thence Yeaandtar Millf+enicd.-add up ass
ra oLft d th- dry calculations b arrive at your periodic
An ims, dugs for each segment Uh add up eat rub tmm
each rsprord to mdw at Ne OW periodic firence Charlie for
your swoaL To ad ar daily halarwe for each aegmart d
your acwurd, we fake go be n' balance for each
sapnatattl add min rwtransador and any periodic
awe dwP c4t~ on ft pMda day's blame for
tied a . 1Na fin subbed any pryrnaru or credits
postal as of art dry lea sn aIoc.W to dW sspmmn. This
gives us gat saparala day balance for own sepmt of your
account Hovewr, a You pad dr New Balm shown on
your previous aaaum in fU (r If yaw new balance was
race or a crdk amours), new unaadorr, which post to
your pudrse or spadal Wofmn aegmeraa era not added
to ft daily balances. We ceblbb ft sve" day
balance by addnp d me dally baerosa tepeNer and
dhAdeg the aura by dr maMer of be days in she current
Want; cycle. To cekxtiate your IoW Mace charge. milady
your a`-ps daily balance by V. daily periodic rate and by
the amber of days in to baiihp period. Due to roudull on a
daily beat or due to minbum anmrce charge esee nt,
dram my be a vadarca balwesn We erlculaan not the
arnoum of fimince charge actually
3. Annual percentage Rafes (APR).
a. The term •Anmul Panama" Raga• may appear
es •APR' on the from orbs"' dalernenL
b. a the wile P (Oustery Prkne). L (Oumady LIBOR), C
(Guar erly CA). r s (Berikcard prime) pp- on IN front
of Ins statement near to ar perlodb rate(s), tlr perlodb
rates and con lpndrg ANNUAL PERCENTAGE RATES
may very quarterly and may bat -a decraass huedn
tlr slated indas. es found in TM Was Street Journal. Plus
dr margin pravion aly disclosed b you. Thar durges wA
be agective in ar had dry of your bbkg period cowed by
your periodic Wbamenl ardkg In rill -the of Jeremy,
April, July and October.
c. it tlr code D (Mnatiy Ran), F (kbnWy LIBOR), or G
(Treasury LIBOR) appears on die from of your statement
red to ft periodic refa(al Ne periodic rasa and
owupond%ANNUAL PERCENTAGE RATES may vary
monthly and may increase ar daveess bard on ar slated
Indices. n found in TM Wall strut Joumd. plus the
mwdn previously disclosed to you. Thus clusVes will be
etirJMntinlestdaydysurbAkgperiodeach Id.
4. Assessment of Late, Ovwl k and Returned Payment
Faso. Under ar Imns of your ouslrmrr armament, -
reserve Ow rya b wave or not to seeps my faM WOW
phfornoWeadenbyoudiho twa kgcurdaMmassessIM
samer sidlarfesi a a gafartgaa..
} S. RarnehaI Vin-Acormr. d ¦ mai beraip fee appaam
on this from of your statement, you have 30 days from to
data as erefement was maned he you b amid psykg der
im or to have such fee raI byoutiyoucancelyour
account wierul having to payer rnhern, IF fee. To
cancel your account, you need Maly us by celhg or
C sion it RelsUrr Department and pay y- N-
Balarce In full (wadudkg tlo mambereNp fee) prior to
tar end tar addyday lrriod.
6. If You Clou Year Account. You an request to clop your
account by caling our Customer Relations Deperbnent You
mud d.WW your mill card(s) and account access dada,
cancel all prpulhoninal bang and pass using your amount.
Atha your request to doss, d you confirm to tensed or do
not cancel prmsulho lad inging wan will
consider mcdpt da tlwnge your aulharia kin to app your
account opn. Additionally, your account will not be closed
until you pay d amounts you ova us Including: any
DWSKOWS you have sutlhorized, finance charges, past due
fees, ov~ fees. returned payment less, ash advance
fees and any other feu a-..d to your -art. Yn m
responsible far llhua -rft wheal they appear on your
swont Atha time you request to dam ft account or they
am bared subsequent to your request In dose tin accent.
This rnayrpull in charges epperhep n your cca nt oiler you
have repmlad ar score" b be dead.
7. Using Vote Account You card or account cannot be used in
con-bon with any Intamet garrbbq transactionns.
a. Notice About Elscbonk Check Con-im
when you provide a dock as payment. you authorize us
slam to use inlgmatlan from your dock to make a on""
electronic fund invader hem your barb account or to process
era paymem as a check tram aclbn. WMn em use
hkwmWm hem your dwk to mane an alxbonb Arad
vansM, kends may be w0draam from your bank account as
son a to same dry eve receive your payment, and you will
not receHa yaw dark bark horn your fcencial kuautlon.
BILLING RIGHTS SUMMARY
(In Curs of Errors a 0ussstlorr about lour ell)
If you It" your big is wrong, or If you need more Information on
a transaction or bill. -ft to us on s sapaMe sheet es soon an
possible at IN address bat impirlds shown on the ham of mils
sutrmnt. Wa mud how ham you no later t n W days Mar acs
sent you IM and bill on whicch to -or or problem appeared. Yw
carp call our Customer Relations number, haul doing so vAl not
preserve your dole, In your fear,; gist us ar fdbwkg
mfwmalbn: your terms and account number, Ne dcaw amhant
of the suspected error, a description of the mr and n
explanation, a possbta, of vft you believe peers Is an error: or a
you need mom information. a description of the aem you an
unsure, sbouL You do not have to pay my amount in question
whN we am kwo0go*Q q but yell we still obligated to pay the
pans of your bill that are not in quma don. Wide acs khvedgata
your is uaon, vac cannot report you u delinquent or take any
actual to oWad IM amour( you question.
t, t Special Rills for Credit Card Purdwu
If you have a problem Wth the pally of property or services that
you purchased wah a refit card said you have Wad in good Wth
b corred ar probMn wain am mrdus you may ham the right
not to paythe remabkg amount dear on tiro properly or services.
You have gds protectione only wlwa ar purchase price cop more
than $50.00 and tlr purl- cop made in your home slate or
dedn 100 ragas If you rtrWg
tier the adad pf w own a apse
rtrrd unL or If as ranged you u the wrbsmsnt fat We
property or lervkss, all pnmdnres are awed ngwdbss of
amount or location of purcl ne.) grape mmembr to sign all
corrppndaeas•
T Does not apply b consumer --a* card accounts
1: Doss not apply to business non•cndfr card scants
Capin Our suppods Information privacy protection: sus our
websre at oiamc axes
Capital One r • spray registered seMce mark of Capita One
Flunda Corporation. N rights reserved. 02006 Capital One
01 BCWW-6-1221/6
=lrANad r PSYmrais ran real low M W oMYd byw aoaemt a data Warr drywsrrsiw A prrbd (i) you ssd fat
bomnn palernt agarenwnad yendiedhwadoapm I Wakipa id (2) year pap as I. rrNed harprooaring piss
by3pn ET(12 noon Pt). Flores allwrdlrtar(S)Wires Jaya frrpodrdMwy. Ply re noahmdbyeMaryotlwbcdmrb
any aasfwmmry nil W asdd a dtlr saw yak. fern.Oa Wry. days as Marry aaagh trstrasry, wmudag nddeys.
Pbrdonor-slrphs.paperdpa,esawhssp F•I parlaying
Nlhat you saduadrdQs),ass adagasrbuaaaar•Ym
sledroo c fader dsutinn yew bank awes lathe anundar duck Thal aNotrlm wlpiw b adanda rerard losing as big
cydaernlrrtbysrrar Nafarranotprorn fat Ywarm youahdrtra a brodea Napeaysbrymbeck about weep tlr
ark, ¦ peper"orodrsem
KATIE BURD
ti98 SHOREHAM RD
CAMP HILL PA 170t1.6135
1
Pay to the order of
QW&WOW
Richmond, VA
Memo
10927
68-6771510
596770
06547
Eaplres Alrgust31. 2005
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uai0927pa i:OS10067781:86S24 34 2 2 10 200
PLATINUM MASTERCARD ACCOUNT
5178-0524-3422-1020
Previous Balance too
Payments, Credits and Adjustments f.00
Transactions $345.03
Frnante chug" $.00
New, Balance $345.03
Minimum Amount Due $15.00
Payment Due Due August 23, 2005
Total Credit Line $500
Taal Available Credit $154.97
Credit Line for Cash $500
Available Credit for Cash $154.97
At your service
To caU Customer RcWt ae to report a tat m stolen cud:
1-800-903-3637
Send payme u to Said laq+iria to:
Am. R-ht m Prooexing
Capiw 0-Baak Cepw Oise
P.O. Boa 790216 P.O. Bo: 3028.5
St La1s, MO 63179-0216 SLC, UT 04130-0285
JUN 24 - JUL 23,200S
Page 1 of 3
Payment- Credits wd Adjustments
Transactions
1 28 JUN SPANKEY S AUTO SLS INC MECHANICSBURG PA $341.99
2 23 JUL PAYMENT PROTECTION 1-888427-6904 3.04
Finance Charges r
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CASH 8.00 .04630%P 16.90% 8.00
.06000%P 21.90% 8.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT v
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New Balance $345.03
M'm9mum Amount Due $15.00 srmu Apt I
Payment Due Date Attguu 23, 2005 s_ ylp
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Total enclosed $ ]kmePron ?wm•><
Account Number: 5178-05243422-1020 •
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#9020509938399570# MAIL ID NUMBER
Capital One Bank
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CAMP HILL PA 17011-6135
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Important information regarding your checks: The enclosed checks will be treated as purchases according to the terms of your Customer Agreement
and any amendments to it but may not qualify for any reward programs. The enclosed checks are subject to credit availability, so you must have the
available credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your Account, and the check
may not be processed it your account is restricted in any way, past due, or in collections; at the time it is processed. ff the credit is unavailable or your
Account is not current as stated, your check will be returned unpaid and you may be assessed a Returned Check fee. These checks cannot be used to
pay dawn or pay off any Capital One Account. Cashing these checks will qualify as using your Account. M you have an authorized user on your Account,
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for each sepnent of yon imam. htowawr, H yw pNd rho yyeate amotm by cwwv o« ctstaner RWdarr
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WM' 100 mRM of Yan m«IWq sddraa. Of ws owh or
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terra drips, yar averepe dal belaos by the
dally role and dr menim of dap F the bMV due tees, ow"t feel, remelted Payment teas, malt
advance feel and ry Maser Mel
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One Rnandal CaporalMR WI ddm rawrved o 2003
Capital one 01 LOLBAK
NN tcloftd ?Paynams you Mal to w will be crodod to yotr axwm as of Za )arktre day yr rcalw 14 =4 ded (1) pu end tlw bomom pomm of tW suudrant and you crack
anvalope and (2) yar psyrnam le rataMd N au c«aa by 3 p.m. ET (1 PT). Please allow n Irat fw 161 btaitsn days Na pat/ clefwry
Paymmr rcdwdebuyplmw,at any coal, 1rsYm of Yphrsapi y olfheerr Imat yrmmayy not W e yoaMW seof 1M we raiw then. Ote halms days an M«WY taugh SavAds asma?¢kdnp hoFdaya.
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w to make a daps apirat your bank aoooum ukp Zoe chock, a paper dram or Mtn ft=.
201453
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KATIE BURD
1198 SHOREHAM RD
CAMP HILL PA 17011-6135
Pay to the order of
Date
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Richmond, VA
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Cardholder
Signature
u•i0924u• 1:OS&0067781:a65243422&020lI¦
Page 3 of 3
Enjoygreater flexibilibliwith the attached Capita! Ones Purchase Checks!
Purchase Checks* make every purchase more convenient with easy account access and no transaction fee.
Plus -
• Get cash for things you want and need • Pay off higher-interest-rate balances directly ®R?i
• Make purchases where credit cards are not accepted • Use just like personal checks No matter how you use them, you're sure to en joy the added convenience
of Purchase Checks. But harry - they expire August 31, 2005. Use yours todayr cap"Gw
I what's in your wallet?
" Pease see the reverse for the Terms and conditions for using these checks.
® 2009 Capital one Strvkes, Inc Capital One Is a federally registered service mark All rights reserved.
KA71E BURD
1198 SHOREHAM RD
CAMP HILL PA 17oi1-6135
Date
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1198 SHOREHAM RD
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day Capital One processes your dredc Otedk acceptance is also subject to the arced status ofymaAecount, and the check may not be processed IfyourActount is
restricted In arty way, past due, or in collections at the time it Is processed. If the credit Is aavailable or your Account Is not current as stated, yourcheck YAK be
returned urnpdd and you may be assessed a Rehmed Chen fee These checks cannatbe used to pay dom orpayoff ayCaW One Account Cashkgithese checks
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Kee our
finances it
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
AccountS
Previous Balance $345.03
Payments, Credits and Adjustments $.00
Transactions $32.07
Finance Charges $4.99
PLATINUM MASTERCARD ACCOUNT
5178-0524-3422-1020
JUL 24 - AUG 23, 2005
Page 1 of 1
Payments Credits and Adjustments
Your scheduled payment has not been received. Please remit the amount due appearing on this statement If
you have already made your Payment, please accept our thanks.
Transactions
New Balance $382.09
Minimum Amount Due $30.00 1 23 AUG PAST DUE FEE $29.00
Payment Due Date September 23, 2005 2 23 AUG PAYMENT PROTECTION 1-888-527-6904 3.07
Total Credit Line $500 You were assessed a past due fee of $29.00 on 08/23/2005 because your minimum payment was not
Total Available Credit $117.91 received by the due date of 08/23/2005. To avoid this fee in the future, we recommend that you
Credit Line for Cash $500 allow at least 7 business days for your payment to reach Capital One.
Available Credit for Cash $117.91
At your service
To call Cwtomer kdatio or to report • lost or stolen nrk
1-800-903-3637
Sad paym a a to Sead mgAria to:
Aft: Raninam Pmm Z
Capital Oae Sank Capitd One
P.O. Box 790216 P.O. Box 30285
St Louie, MO 63179-0216 SLC, UT 84170-0285
Finance Charges Pkaretta revax lids* important iafm)Wii
vnn
Bdaurrdr
4Pt!wdb Pai - -=,-
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,o PURCHASES
CASH $347.43
$AO .046301A P 1619011
.06000%P 2190% 84.99
$.00
ANNUAL PERCENTAGE RATE applied this period 16.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT v
0000000 0 5178052434221020 23 0382090000000030003
New Balance $382.09
Minimum Amount Due $30.00
Payment Due Date September 23, 2005
Total enclosed $ 1 -1
Account Number. 5178-05243422-1020
Pl Fm f.urt.7bm rlmya W- -r Hrr w Haul in k
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Home Ph- Alu-k Phom
#9023609938399575# MAIL ID NUMBER
KATIE HURD
Capital One Bank : 1198 SHOREHAM RD
P.O. Box 790216 ?t?tt?st?t?t??trt??rt? m CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216 ,m
Plrarew teyo arrord nsmber onyon rdxl ofmossy order modefayebkro Capital Oar Bank andmoil in the mlxedemulofe.
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a. Oae+ Mind. YOU wdl luwpe• mkimw prate wried of
25 days tMdw[ Brmhce do m raw pucww, row
bWhos trwMs, row apsdN pu5rcE rd rew odrr
dharpp H VOU PW VW forest 'NOW BYsnoe', In
sceaWnee with the YnpornM Notlm for pymrrb bemw,
rd h dome for It m be aadmd by yar r = sutrunt
.4 opeow vrrfas. h do n b prw pabd
m any trsrrectan If you do rot py me toml •ebw
b. Aaantt Fbrrrs Cbrpe. Trarrscdl wNCh aro rot
ha tlr does of?dretraiaadwha w 2) ftmh tlr d b ll l
uwd d m Y Processed m vw Aeeoum a 3) from the
pat ralrhdar day of rid asrrt hibhp poYd AdddahMy,
i?f__yyww rid rot pry the 'New BeWes fmm the prwlas
eyfart Period Y Ulf, tfhnc?s dupes cordrhhr m econr m
Thb nhatird, th?tt you messy b o.?e tYu?drrp ? sNwr?i it
you pay the emirs Now BYw?a bdtamd m dr trod W
yolr staterrhelm b/ Um neon afa0e111el1t dolt dam, bul rid
rat do r for the arevlalrs ahrmh U rMW fllir a dhsle»
t c ? ?It 1. ew fJta b ?? period trl
toW FWW CEU1a1ps11gME1loff?WSO wp bapp?plnagaotYwnd If thhee
total lea for ?fl?r Nfp Yd. J
from the 460. mkinan rd dr dffaaw rain b
iced m dr Plador egrom M arsolrm.
t d Taetpwry fledrellon Y FSrwe Orrpe. We crow do
W l mttdarer rw a d lb-ce dwpea mr ahy CW-
2. Avtreg. Day tdrwe IMY l Naw Wtltwtl.
a. lihree chnpe Y .. by tntlplyNhp Itn drily
bslrue of sedh aaome m of vour accersm fe.m. crh
ae(Frlhrd. Then er tm rd d the blit Dedod w0 add tip
the rsda of tlhees GlaleriOrts m rave tt
r nmt e.dr wvrwm anbro AM11.t n e t«r peediodoh'
trwhce d+erw to yar remisht ro pet car ?Iy bstnc?s
ra rrh rphwm o! yar scevlny we mks tr bwbairw
ypr aocehnt if i[ thr alrbady been coded. Far elrrhple,
if you ahrlholzed a plarltw fmn a nerdwht and we
reeeiw fie frrractierh the mrdwm after your
acoaatt ho bean yohr arsrmt win be moperied,
to arno" of the do wr be added m your mcsoam,
rd yyoru w?q b Uhr payalant. If 1Mrs Y a
rrhsnberrip fee for yarn. scorns, Uhe lee tW ceritisre
m b dhwpaq m the roiled pmnrYed by Yee, t d the
errant w7rtG fee - Mid In AM r dedred aW-.
?. Izit rrr a wd.v card or accou t vs of be
used In urrhsM)m wbh kmertrt psmbart
trrrsctbrr.
e. NefYa Abort Flsarerds ph.ak LlrnersYn vyt on you
prwlde a chords r payrrwd, you o -ke s u aiUhar m
rlae khYmhstm fion ya?r dhrtt m make a .wdr m
e emode Urd ttwYri flan V" halt mccmm a m
poser the Mp?Mh+et r M check trsrhsaetion. 11Rhen vro
hrs Yhforrresdon irarhh Voyr drek m mob r ebetlaic
Uad tarrfer, fu: may b hvNhdrsvuh from your bsrhk
acoant r aom r dhe lend dry we mcdw yar
P.". t, and you wUl nbt reodve your dhetlt back Trap
your lbhanc?er khtdamlarh.
BIWNO RkWM SUMMARY
pen =Of Fimrebd QurNam Abari Yca BW
yet yule wropy V, need mere
Y( a-maV mbi, writetouma
fepraes fIMH r faerh w e/ Uhe sddrw tot
irhglirW dawn m the of Ydahwautentem. We rmtet
UM bi m = ter lh p padrhafia we sera you rite
appwrod. YOU rrh
edl oa Cutonar fYlatad rswbr, but doka so wA het
rd r eapmrtlm, it of why -jou baNaw them b
r error a i1 you need I^f+w+ a doacriptiorh o1
tb hem r'ti am hahwr . You do err caw m pay rhy
snwm N quwdm vdUY err bwawfesMrq h, but you
n ad1 m Psy 16 ptns of you bN tat are not
Y glhwtlm, we Ylvedlasb }pR Ourtlan, Nor tJnhol
vaporer you p dNrhpwn Or to arty a IO elect the
amram yet glrstm.
s,t Special Wo For Credit Csa Purchases
If you hm a pmbbn V tt rte Qrsifty of progeny a
erNces tut yal vddh • Merit Gd and ytUl
new tried M Ylth m_cprmct t o pro6lrn Wtl t o
mardhrrl, you troy lrhe °7 rron rw m tv ramaWrt
a'A m due m do a:,-.. Yw Gw Uh
protaWm m1y wlwh the Pdhre yG wee mom seder
X60.00 and tlr putdums vIW made N yar Ihome sum a
wham 100 rNes m yore mdtrq aridesa. Ot hr own or
aprHe the moor *4 a?ityytwy muted you to
aro Gwnd roprdasi of ll wrm a dofpp Ww.1
Plwr rernerrhhar m elph aN c4rrospovtderee.
t Does dot -A* m CdodM~ nm?aad)t card aeeorta
s Due not apply m bWrrom womrre.* card acoomts
C,idfaf 0- rut, nrivanIrdm p -y ppvWcdm• w am
yam aI WYYW. npalOeltn.
0q."R dl Cerpoation. /W d= raver d. a 2003 ?N
C4ph l Ors __._. OILOLBAK
1Yq ?ariaou. To obtain do mwepe day belrne for tG
bepYNnp b,= of o?ith eepmem aadt day, +dpd ?rnrysote?w
truraedarm m each fepeere, n an dr a of dies
a cmdm m t e cods N a"
oroterrtea nod 10'BYance Rate Applied To: yw also
aWtact arty updd fawee clurgs it Wtlsd Y M W Wwe
of Grit ee?hOrc) TNs glees u the dory bauree of each
sepmem. Then, we Nddpo?P: tM ?qy balrhose far ssdh
nahhbm of daq in?dap bprp period Th?Y d? us?iho
average drily GYnce d each se(pnrht.
3. Arwrl F?erfspe Ibrr IAPRL
a. Ths tem -M W Peemupe Rati may appes ores
APIY m the from of tis statarhtahm.
b. If the code P (Prima), L (3rd . USM, C MerdiGte of
Deposit, a S (Bw kcwd Pdr W appears m t e tram of
this etattwerd rod m to pedcdc nu W, the pemodc
mw and aormporhdra ANdIAL PEACBffM3 MT6
main wry gcenady rGy Yhasar a deaewe Geed
m dhe sated ihdcaa, r toad ti TAI Wa0 3bsef
Jo W, pkr to maedn pproa dvJord m you
TMae d??Ia - wp b ettecYvertu tr liver day of yohr
in?t?hs mmllr Jartury Aqp, ,Ipulyyind Omaber.p
c. If 16 code D (Prknel, F fryers. UBOIO a O (3-
UBOR Repriced Mond" n m I o'aa of yea
natrrwn mnd 1o ice rataW tM pt?e alts
and mrrerahdra A PBICBNi`AOE AATES may
wry mmlNy uhd %: Ycrera a deader bard m the
stated frdw, r food In red Wain S1rod ./aanay Piw
t e marpY preVl= dscosed to ycu Thre dwhpr
vM b sflectve m to liver dsV of your bMkV period
each memh.
4. Aaawntrt of late, OVwtmk rd Rassrad Peyrrwd Fees.
yor OCCOM wd b arered - mom thm two of des Ter
Usted hero tlw scar dub: ry b!lkt period. Under t e
temp of yohr oleremsr apsanwm, we ressrhe dr right m
wdw a mat to eager any few vw prla lhecaton m
witeut vaWkt oa d(+m to aww the same a aNnUar
w al • blr trhhs.
6. Yore Aaeerst. H • rrhrhhbedip fee
appears m des front of rant erneM wa, you Irw 30
days than the dam ties eutamem wr msied m Nsu m
.uric wWt the fee a to Gw arch fee erodted to you
ii you cenod your aoeaem. Dudrhp ties period, you main
can.- to ur you accovm wftlwp Gvbq m wr the
mrn6raNp Ys. To eareN yav aeooh.n, you mrt
blonds for each sspwad rd add vy new nrrec)ar
r notify w by calling w Crrmmsr fYfadons Dop+nnhrm
•
rld rty periods trharee efharys Gln
YOSd m tr pravhr
days blrhm far tee agvwd. We tees rbaaez my a d ps year New Brree
Y Uli IstrAdrq tlhe
mrMrrip fr) paw m the and of to tinyd 1 period
pymrr a rsedb poord r er thtt dsy drt aro dorarod Q H You Cfw Yo r:
-L Yau can regret m rive
m tlttt se(Fnrar. Tae pier w tr rprers dory birhm
mr each ee
rwht o1
ad the
ta read
Ibwswr
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ou m
yax aecnlatt by ceiYrt our Cwtemr Relators
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crcd al prardbodzed Npb
H yorr row bales wr xaro a • aadt rwnq, new =
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and cow q
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trarheacdar wNrh p++t m ratr pudaoo a >Qed+l _
prernlrrizN0iThp adrtrnrb, we w
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umtl you pry aN rnwtb you aw w YdudNa rry
tfr days h the arrer[ big hWdw To ealoilate yotr rosin trrrae
ynu hrva autnoized, f
whG
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tby +ppssr m yrr secatatt r 16 dms you mguut to
ON
dwoe amrgy wsred
b
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ears m the fio o d W
uw doh des +ecaad a they am klarrod m
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w t
+awrm. Tale ma in
cGtw?apwprkt m Y+he aoooua aftr you Gr¢
inion Itat NNPOW Prnitwee you main m w rhi b Medrod m your acootam apsvoOff lwMylbpurrtor day we roGlw It. pgMded (t) you srd tG botam poem of iNO statrmrtt and yow check
PaYmru rGlved +nwYPe rd W yerr Paymem b reedwd h cu b clOdat ate d3sPy ymw?zea, t=Fl h?rYnss w4 in MmTMdtyN,tNwdr S nod 'Mr td*-Iy.
f7ser do veer caw tby w PaMoIlher ecer ?n m Ipnnrwry OdrprubrmMt m+wY?, Wlwl yw srhd tr a dackW )__ hOdd+Y+
acoeran for rtes amaam o? the dhedl. 4Fis rNhoizederh iq?w to d dreb retriwd dhort to tilt rya ?N zOSargr m Make a ahrtfnta ebMlydc yfrrler dsdf Imm your Dric
us to mob a c atp agWM Y- brit m omn u*v the d-K a paper daft a o1Mr isrrh. by eomeers elm. If we tamest gloom the trlltomr, Y+hl auhedze
Ci3piW \- _ _. KYFF
Kee our
inances it
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF•1001
Account S
Previous Balance $382.09
Payments, Credits and Adjustments $.00
Transactions $32.40
Fiance Charges $5.52
New Balance $420.01
Minimum Amount Due $45.00
Payment Due Date October 22, 2005
Total Credit Line Ow
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At ym so-Act
To n8 Curtomer Rehtimn w to retort a tat or.W. rare:
1-800-903-3637
Send prymen4 to Send iogaiua to:
Attn: Remitt.oae Pmming
Capitd One Bank Capital One
P.O. Bea 790216 P.O. Baa 30285
St LoW., MO 63179-0216 SLC, UT 84130-0285
rtant Account Information
Twelve unsung heroes of college athletics are w for
the honor of Capital One National Mascot of the Year - and
you can help decide who wim° Each week, the mascou 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 yot? favorite
mascot - and don't forget to tone in to the Capital One Bowl
on ABC on Monday, January 2, 2006, to we who wins!
PLATINUM MASTERCARD ACCOUNT
5178-0524-3422-1020
AUG 24 - SEP 23, 2005
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 23 SEP PAST DUE FEE $29.00
2 23 SEP PAYMENT PROTECTION 1-888-527-6904 3.40
You were assessed a put due foe of $29.00 on 09/23/2005 because your minimum payment was not
received by the due date of 09/23/2005. 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 Pkareaar rmaseaide/6r impartmo information
4.0"y. rwir
PURCHASES $384.75 .04630%P 16.9091 $5.52
CASH $.00 .060m%P 2L90% $.00
ANNUAL PERCENTAGE RATE applied this period 16.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT
GR 0000000 0 5178052434221020 23 0420010000000045008
New Balance $420.01
Minimum Amount Due $45.00
Payment Due Date October 22, 2005
Total enclosed $ 1 :1
AccountNumber. 5178-0524-3422-1020
Pk p'.f's& -ek,maerbdao-1Hw e.Krk iak.
Screen Ape J
Cwry Sows Z@
Home Phae Ah-ft Phn,
#9026709938399570# MAIL ID NUMBER
1 KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 111611 till a CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216 ,n
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Pleare-aeyoav -count namberon ywv 6.1 - money-der --Payable to 01W.1 OneBan4 and mail in the entlmed -w,6fie.
F
1. Hew T. Awid A Fihsrlaa Ghap. - _ -
ta. [boas Pafod. You rdp haw a mkiman pose pedod of rote. Ta ebtah the swap dally bslanoe for the
=4 dal oowrod by tlt=" sdva aloe tho
h mW Wv ao=" if it hsa akpedf been CIC* LL i« mampro,
N yon sWwdzed a ardYae flan a rnerdton[ and ws
yaw
rescue the trnra?Yan? Hom d. m.. we Aftor
a? 25 dap vAdnit M1r ce drrye m roW putlress. nevi
babes trarbm, new Tadal patireee rd riew odw
drrpr N you pay your mW 'lbw Belrhn', h balance d eac
var-d- m eWt _F-A' and -Lase[ wry Wlewea
or credo. 0f the cods N appesre on t. twat of ris
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th. arrant d th d.=. m your eemun,
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fad [rrr(sr, ludo may be widdrovwt f an Your bWc
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you pay to antiro New Brrtn idnwd m the hat of m the swtad Mda, as loud h The WY SYtaz peNrwK and yw YAl ryt maws your check bock loom
You naarnent by tM IINa atarmwt daakp dam, but old
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Capin a1C ^• KYFF
Kee our
mantes Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history-it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF•1001
AccountS
Previous Balance $420.01
Payments, Credits and Adjustments $.00
Transactions $3274
Finance Charges $9.03
New Balance $461.78
Minimum Amount Due $60.00
Payment Due Date November 23, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash S.00
Atyuurservkc
To aBQ Comer Rdaions a to re port slat or lid.
cork
1-800-903-3637
Scud paymcuta te, sold iaquirie to:
Atm: Remitnaee Pro«ring
Cepml One Bank One
P.O. Boa 790216 P. O. Bar 30285
stLouie,MO63179-0216 SLC,UT84130-0255
Important Account Information
Twelve unsung boos of coll ege athloda are w for
the honor of Capital One Nationnl Mascot of t7.'
nd
you can help decide who win: 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
apidone com where you can vote daily fa favorite
mascot - and don't forget to tune in to the rtal One Bowl
on ABC on Monday, January 2, 2006, to we who wins!
PLATINUM MASTERCARD ACCOUNT SEP 24 - OCT 23, 2005
5178-0524-3422-1020 Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 23 OCT PAST DUE FEE $29.00
2 23 OCT PAYMENT PROTECTION 1-888-527-6904 3.74
"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 eVerkriced 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 reads 90 days past due, as stated in your
Payment Protection agreement
We appreciate voter business and you deserve great benefits. Wed likey to know that your
Platinum ard benefits have ban updated. For details, visit www. ae.wm/aeditcards and
click on the Guide to Benefits link Thanks for choosing Capital One.
"Important Notice" Your account tams have been adjusted as previously disclosed. All other terms
and conditions remain in full force and effect.
You were asesed a past due fee of $29.00 on 10/23/2005 because your minimum Payment was not
received by the due date of 10/22/2005. To avid this fee in the figure, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charge Pkeveta r awrtetidef r important inf mietion
Balaro P C.armawt a F,1?1.t?1CE
'
`
,PflwlA,
k. r.&
naF dP C:t1RK?
?•
PURCHASES $424.36 .07096% 25.96% $9.03
CASH S.00 .07096% 25.90% S.00
ANNUAL PERCENTAGE RATE applied this period
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052434221020 23 0461780000000060006
New Balance $461.78 Pk-trur .err-h-ter ktomar.erR.-Mast sL
Minimum Amount Due $60.00 Sew Apt r
Payment Due Date November 23, 2005
City Sane 21P
Total enclosed f Home A- Alcamo Ph-
AcoountNumber. 5178-0524-3422-1020
#9029609938399579# MAIL ID NUMBER
sssssss. KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 111111 pill CAMP HILL PA 17011-6135
N =
St. Louis, MO 63179-0216 ?
]tlluu??uu?llmllalnlltuultlwl?tl?um?ltl?nlnill ° lutl??ntl?lnuu?lwl?t?lnnt??ul?ult?altlulult?n?t?
PI-e vnitryav auoant narnbn -_r- dW or-my order madepayabk to Capital One Bonk and mail in the endared envelope.
25.90%
r
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g
o
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LL Vw
N NNE
-to. Cases ParNd. You vA Mw a rumen pees period of
25 days =, INrtce drrpa m rew Wdnses. row
I..- psYrrynow?rspsdsl orderer rd oeW other tad 'Mvv?
rsotdrrs with U+s Ngortrs WYowill; bob+'.
ad N tk a for it m be asd[d by your - atatenru
dem, There cash advorces
W trsrlsrs „ adn thes b permpodod
m cry trarractlon it you do rot pay tots -New
bdres'
b. Aeewerp FYrw ohharpa• Traractiae vdirch ate shot
from atlr ofdw Mhs vw?aclahdfrionri the dst?drm)
tra esdlon Is p omied to your Account or 3) from the
Amt rs' I day of to current bhp pWocL Addipaelly,
rid not pay the '/crew A I from the pm lam
if
Yar irk bdW ud the tsOSid bdors Is pdd in PA.
Ttia mace het yw rota st• ow Awes drove, even if
yBU Pay the vela New BeWO thdrsod ram the hOm of
your staowr[ by de new sraarnod doip date, but rid
not do w for the pmtiae stash Unpaid Ananes dherpee
am added m the app?o6ls aspmr[ of yar Arsorat
tc. bihNaw Fires Nrfa. far asdh chirp psdod tiet_
Mod to Are . -
td Teaelsrmyr Illetludion 1.7
d& toDp rinootttoy d-airserw w
2. Fh--- charge Is cafe"
balance at each
ribs berg osdod ws .Pph
sepnad.dflv at the an
perlodc rate. To obtain the sversps dally bda for 1bs
W cowrod by Oi eumemm, we Lb the
NIYnO
hep4r?q belanoe of esch sspnom e..h day, s M any new
trarracdar ro each sgnam and "na t arty Wywams
a credits, Of the code N sppsao on the hen of hbth
slatemae rod to -aches Ibu A40W To.- wa am
sufamet arty unpaid Ananoa WrysNdudsd h the blares
of each ) This gives u to dMy balarhm of each
Then, we add up M ri dMry bMrrr for such
ganam. for the bmkv pafod ad divide by the mtthal
manber of dap In to hpMp psded Tfis ghee w e
varaye AWy briars of each segment.
3. A?." ?aeahsape alts IAPRI.
a. The tamp 'Annual Psmarq Rats' may appear as
APR' on the from of his statement.
b. If to code P prirnW, L p-mo. UBOID, C ICenifieate of
Deposit), a S (Bwdmd Pd-*) appears on the (meet of
this sutamat next to the pededc rasp), to potodc
rates and cona?ahdnp ANN LIAL PERCEWAOE RATES
may wry girrlaAy and may Meroaw a deaeass based
on Am shard Ndow, w bud N TM WON Srrsat
.,branaL pMr to mazyn Wmfoudy dedessd to you
Thmw vY be sfbe ve an Am ins day of your
biBlhp = -and by you Periods statement ah3+p
N the rrharilr Jasrry, qpd ,kly and October.
c. If the code D pdml, F (Brio. LIBON or O (3•mo.
nPaw . Nytaher
licadan
ahuhtnct trt UBDR hlapdr ad MartliPy.)?aopdppsan on to Irpaanb«dcyour
Mr-mm moo
?AMUAL P61Cf9ffAOE)iAT? rhuy
ifhrae. vAl W
i wry r mry kraaaa « doaease bwsd on the
The
m
ec
ieserve the dusees
al
to ergin it W
low
toe for any given VA be efleedva on 11W Arm day of yw M*q period
aaat. each month.
.
4. Aassawrd of Laos, ovrvert acrd RwAr d Psyshrs Flea
th
to duty your seome wR be -sessd no pros ten two a de fees,
's.p. mdh Brad hero het owe drip any billing p.W. Under de
tedsi puchwe) = aparnas, vw me rw to right to
tame of
dot Ihas been =:
wWw or any has wlthar odw ratliutlm to
each hVv dole
i witeu waivYhp w ddht m aarr d. sarhhe «iiar
o each ssu 5. at a y ?? N s monbaMdp he
Lod, vro add up appears m 1M front of thle stateeneln, you hew 30
rive at
W
=
h
h days ham to data tie strymm was maisd to you to
to in «m how such In erodted to you
id
N
e
e
t
e t
tool perfodc avo
WY
B
if you sacs VMS account. MW4 05 plod, you may
"'A balance combeas to use Your acme vAthour heW4 to pay the
e the W?rvinp mw bar** he. To coned you sxwn, you must
v trammed n noft u by crimp err Qetaner Rdsiwr DoPa me t
on the P.M..
cenact «hy end pay pus ) Balsres' N ill (tWWnwrhrdnYdaY p y
mamherdi4 ha) pear m IM and oil Period.
rMt an 0%cored 8. N You Close YW A mom". Yw can roghst to dace
a dMy bolrco
h
If yyaourr aaa.n by cal Whp sue Qu== tlonr
..A.) and
nun rout dnetrs
D
nrnwi
e
r,
you eV
rrsm N .
y
epa
sees" anr
s
cared all Reauthorized MBIq,
clocM
FWVV
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W
l s
s
?
a
pstlii d«
bRluB
nahpenwus
Pmau -u
vy Mlrw. We
B
M tl
M recdp of a clurpa your audrdzarim to
bat rimed
Adddanell
ou, account wM nor
ccount
q
e
y
to msvrbor of y, y
a
.
real you Pay M -nouns you rnm us Ndrdnp: any
laubu car turd trarraerbrr YW hew aWadzad, hhwce charges, per
belches by the due foes, ow"t Imes, aeuned payment Nes, cash
rya N the Nip advance fees and eery ode Lew awswad to you
ens may be e account. You ate resparile fa tow wrww serUwr
d the errant of they appear on your sees= at Are Am yyoouurr request to
sow the account or they am Nmrmd sussepem an
rids sum rruem you hoquest to clew the -cans. This rosy rashM N
Itiply?N surges bhp unhyour acmnt other you Mw
your exam If It he. drimily been dosed Fa eaample,
if you aW rIzod a prrduaw from a nerdrm and we
re-- the hareMClNn faun to rmad-a fr« your
account him been doeedl yar accent will be reoparod,
the anent of the derpy wD be added to your account,
m W derped, m r snpnz pears[bd by bw. ura tro
seouu bddrres hrtlbeep Pdd N oil es ddined ebovo.
nrd or -wean calm be
7.?1alhp r:=,Z
uedN nY Juan er parhbihp
uWaactlans.
S. MAI" About Flasbaria Clh.i Oarvrskn. when ya,
puwlb • nihaek as p.yMau, you aslmke u abbe m
use Ydometlon from dude m make a one d-
dearode had trawls your bade axons «m
process, the pwpwd -a deck tm.ecdo. When we
tee,i nadm free Vale desk m make an N.wmie
find trarof«, Ards, may! bra hdthdr.wn hen your 6eric
account w soon m do seer day vm recatw yar
paynrrn, wWl you tats net no" Vote deck bade free
your iharhds lur uaban
BIWNO RIONfS SUMMARY
On Gw Of Ertorauanp?a Your s on
If you thhk yar 6BI b a N you rmod more
h prate t o Isaraw a tap, endue to u .
for
aapari a son w t -does
IrhgWrlw d- m the 11-4 of IN. ablo arrnarn. We cost
lea fern you no later than BD ddaapys of . w rhea ysrr the
Air bill on vMch the area or psMan gpe.nd. Yau can
ca our drtaner r=,g nliq w mW net
pprreewsrrww pus ddrm• h u tr fMevirp
iniownaliac Your [brute aucasn nsMa, to ddbr
amount of the rspsrad a desedplio oil the error
SW an wplwetan, N attn1hy you bellow them Is
Z error a N you rood ?n?e Y im dcM a description of
hen, y'w -m usuw abysm. You do not hive to pay any
anastt In orlon vAN wp .e k-dq lMp h, but you
ate am cbppated m Pay Are Parts of Yar bR [let ate not
?quesf alNNls any scilon to collecttm
?rrrcaarf you ?ddlrqusnt or take he
i,t Special Rule For Cmdt Card ftichavers
If you have a pwbkm vft#a quepty of pmperty a
aavlces trt YaB vdth a cioM ud and you
hew tiled h hldh te tr peblem With the
merdru, pus man have s rl re1 to WY tr rametYnp
whNn arrhocat 700 d?soNorMn n the prapsn a wrNpcfwn. You h w tlhb
w
c?60.00 aM tr your rots, made as,s Of s. Of bans We own ante or
f vre aNm
operate iM merencof of Youdherut, or if r Ives rrudNd you the
adverdemsent for the a serHma, N purtlwm
ate covered ropardew of dw.H w loeatbn of purduae.)
Rene rerrnernba m sigh aN snetpahdahce•
t Does rot -ANA to caruvier --dN card -C-1-98
i Does rot -poly o &-be" ---"W -d -oard.
rate
=0mr supports bitter a lon pdvacy protection: sus
wwvvDDddtt at www. con.
Capita One b a fedemilly rod service mark of Capital
Copaara s
CapOne GILOLBAK
lawb Teas sepnru to e the at vo
thanms dr7th. r y'str some. To pet tl
for each wa or Vise Moan, mw tat
Eaters for each sepnhan and Mid any M
and achy Amos charge cNICUIN M
day's, fw tr w- V=
mdmit 0 rrat TN. gilwa, u sew
far seen .epnah[ of Yahr a®usi. Hover
New Balruo afewrh on your prwio s veal
R your row belwho ww zero or . credit i
trawWaus, wlich pow to
punalwes, your prudes
?
tr ?arm My to d
cab
belrm mpsirr aM dNdrw the ar.n ly
tr day. N tlr nsrrern Wftq tyde. Te w
1Nnc?s deeps, Vac ;;-.= dM
preen roft W-d line
aft ort ai daily bomb, at t
sign ureters between 1Na miaubto r
b. lhaca dorps«.NauWy assssaad
m xp m ode 'esYrce Rate am an to cram of
re Appid Tovw hm?
Mpwtad Nodm Payumme you mil to to vhp be ended to yen accout as of the =V3 ws maM f4 pmedd If) you send to bottom portion of dis sus msrnem and yaw ell
In the anc?Nwd roothence envelope and (2) Yaw =.X =1 N our Beta ET (1 coon PT). Plswa cow at Nast iw (6) burrow days far posW
Paysrro zepMd by u at any adw locmdo a n not be wsdted at of 1M day we mcdw them. Our business drys am hbmNy to gt Saturoyy, wrJu6N boll Ye.
Rswe dD mat tlw wgiaa paps em. MAmn ptq your gytnwrt Wlmll pus send us a rinwkW, Ymrr aupadze us m makes a era-rice alscltoriC 1treNr debl4 firm yep( brhk
A. an a make ? Tfdw aWedz ap mm aN dre?hma I tm bRlq cycle awn if sett by samara on. If we cannot proca the traneisr, you
us aWedze
Capila/on KYFF
Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF•1001
Acwunt
previous Balance $461.78
Payrnena, Credits and Adjustments $.00
Transactions $33.11
Finance Charges $10.27
New Balance $505.16
Minimum Amount Due $75.00
Payment Due Date December 23, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
T. caD Cwwmer Relation. or to xpo • lad ..Was
urd:
1-800-903-3637
Surd paymam W. Surd my . to:
Att.: Ranithnce Procuring
Capital One Bank Csptsloae
P.O. Bur 790216 P.O. Bas 3020
St Lams, MO 63179-0216 S11, UT 84130-0285
PLATINUM MASTERCARD ACCOUNT OCT 24 - NOV 23, 2005
5178-0524-3422-1020 Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 23 NOV PAST DUE FEE $29.00
2 23 NOV PAYMENT PROTECTION 1-888.527-6904 4.11
"Your account is 90 days past due and your Payment Protection coverage has been suspended. As stated in
your Payment Protection agreement, your coverage and monthly charge will be reinstated once your account is
no longer 90 days put due. You may still be eligible for benefits to be paid to your account in eases of
disability, unemployment and death Call Consumer Membership Services at 1-888-527-6904 to sec ifyour
smlatioa qualifies for a Claim.
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 all 1-877-794-4487 before December
31, 2005, to reserve your copy for this account. We will begin processing orders in January 2006.
We appreciate your business and you deserve great benefits. We'd like you to know thatyour
Platinum card benefits have been updated. For details, visit www.capiWone.com/credhards and
click on the Guide to Benefits link. Thanks for choosing Capital One.
You were assessed a pas due fee of $29.00 on IV23/2005 because your minimum payment was not
received by the due date of 11/23/2005. To avid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Flumce Charges Pkweteeresr aokfar imfortsat infmwxton
sit Balarerrnh P.r;w.
? yt!ri/to rdi C- '`
a PURCHASES $466.72 .07096% 25.90% $1037
CASH $.so .07096% 25.90% $.00
ANNUAL PERCENTAGE RATE applied this period 25.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052434221020 23 0505160000000075002
New Balance $505.16
Minimum Amount Due $75.00
Payment Due Date December 23,1005
Total enclosed $
Account Number. 5178-0524-3422-1020
Pfe-prierddraA ,- k1m soinrkkaarAskiak
Scs•t Apt I
City S.. zrP
Home Phone Altawa Phm
_ #9032809938399570# MAIL ID NUMBER
KATIE SURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 111111ae11rr1tlt1noil CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216 n .?
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olmmra Ikwlce Wrpe an row pWiuaea, rew
afs..- tranfrs, row aper3el padrre and rwv atA«
cimrpn H You W V You coral 'New Bairns", kn
emnrdrna nWn 1M hportan Nod- for paymau bebw,
and in tiny for k m b asdW by yarn rah aatement
clo.Wq dam. Them b ro gsa palod on cash advrtcoa
and aprlel trsrrfsm. 1 addtbn, drere b ro gaoe peMd
on any trraxUan if you do not pay the (sore 'New
b. Aerirp Fkrga Chaps. Trarsraciirr Wide am not
Rmi the dam oftlu uinrcfknRmt the tM1) 3. As
iraractlr b proraaasd m yov Acmra « 3) from the
Rrr cakrlder day of 7M aerator biYp Add "fly, b.
If you did not pay d. 'Now Balrla fi the pmvlaa
bibnp PWW In fit, Rhrnoa dOM- eadnr m scents m
yap urWd halarios uW Uns uOald 6aWr b free h tW.
7Ha rrtssrts that you may aft owe Ikrerr dwpu, evon H
YW (rH the sets Naw Bdarci Moied m tN Ron of
yap atatelrll[ b/ the Inrd abtlnlMd chip dam. Dth dd
rot de r for to prsMaa ?c Unpad *= tdrpea
am seed m Uns salons[ r plc W thin
tc. kirrbr.aa Awe .. _ far seen hWp Pe'bd thin
P?from bless( ?m.50??wY ? UUmt
hied m Ute guess sq?w? of adalyd.
td
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Tasrpsr not .ter d R mess any br « all all finance, w Ws daps ro rot .n r any
dphk mp anb ghat,
2. A, . D.Ry Sslann 1bWsiybyNav Rrdrnl.
a. balm W?eadn aoonn of Va. accotse I.M.?erh
OF Cmdb. (H the
statement mod to
abtransaenlryt"M
> tar 1M k
rearoar of dari k
An Ow avempe dry bdace for the You K
I by this aria ant, wm take the
H you a
aaM aegnrh seer d.y, add arty soave raeaise
aepnap and sWHaa try pymana ecwraa
b N amsen on the Mont of thh tl» rtw
this tammarrrwl rnpwpdrn?m the
rats A
and y:2.
an fit stated p'
7Mia atrti?ioee wH D?iH
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Rate may appur .s
arearo.
V 11808), C (certificate of
appsw r fM Nam or
Odle male), 1M
AL P9iCB1T PATE
r»ar aaars baaW
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statam?rd atom
keyy and Uacbr.
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rate W, the priedc rams
IM maps PM%WL RY aagoseo m you, Tara dtrtgaa
rA be ~" an the wan day of your tlNrp pried
4. Arms rd of I," Oerfiark rd Rabnmd Myna! Far.
You aworrd vA be assssaW ro mom than two et Yon ter
Rand Mro rust ocar duonp airy b!t prod Under the
terms; of yap anonw apownra we rarrw the dl/nt to
wdw or not to areas ary ter wAYwx al« rotlRerRm to
wllhoW wlWkng otd lgM to ores the aeons r dmRar
eas n a Iota (bro.
6. Yov AesauY. H • rtmnosrdnip fr
appears an the trap o1 this atnsrnem, pu Nve 30
dory Mom the data die statamrm was mr1W m you to
sued paying the be or to Mw seats b endtW to yw
if you corneal Vas accred. Ouoq this Dodod. You may
tadnu to tr YT- eccaam =w haWq to pay the
mrdmMip tee. To cerneel you aeeara, you mart
Ilaliiy W bV IJIYnp era Clrslarrnsr Mlatiora OeNrfmarh
and pay yc«'New Balsrta' b AI (eadudnp 1M
mmosrrYy tee) pair m the and of dr 1Nhyby period
& R Year Ga.. Yaa AeaoraY. Yau cr regWat m ear
yywO??r .roam by caRknp ou Grarmr Mlad.:
Btp Moen(. you nor drtmy ym. creAt card(s) ad
.taut sweep drdu, earl r pra.Wmdzed bMkq,
end tar U.I you addOmd. If you do not caned
Mrudwd:ad 67rq amnprnra., wa wN canddr
receipt of • dr: your ardMdzation m
aeeoue. Additlanry, pus aware wp not be lord
vMl You psy r arnoun Yet row W inisdYq arA'
traraedon pu Mw arNmdzad, Rrnarnci dmrgr, pert
due ter, owrkrdt ter, r nxmd psymrt far, car
:Mans ten and arty w ter stared to you
aealaa. Vou an rrpamida for that amour wRmtlmr
doe apprr ot you accraa n the tons pyeurr regrmet to
ek 1M season or tfry am Incurred rasalan m
yaw squat u dos the .ward. TMs mry malt b
chaQ? aP?e+mrng r your aoraam after pu h.w _.
nrrh an we
vot.
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be be
to voter a=ornt,
If dress I..
nrerroardip fee for you' awark, the fee wi mmkao
m M dtamed, m cite want peo :. by Is
"'*"m w, ulaA t"'*"m balarca he. been P+N In M r dsArod stow.
Your cad « --L,* cannot b*
7. flit Y=-=
ued h W any Warner
gwnblkp
S. Nolba Abort FLrorrie Oraak Oarrrrabrt. When You
==, dmeyou,Wnod:e u dtt m
rrna0forn fiam yo tJrclc m make a oribne
dKtmnic had tzarrbr from Yap brit aoeant «m
pmar 1M paymrr r'a d -k narrer ion When ate
had tlarlsw, bd• yak dose( m rrnalrs r ebetmNc
accauh as soon as fit saame? raW yw
p dad n.We y- d wk back f.
BIlLNO ROM SUMMARY
Ii Car 01 FOr oru Abaco Your Big)
f You Yolk p- bill b s Han you nose more
iniosntlan on e it « 6i, woe to u on a
aepamb sloes( r soon r at Yon adder w
solids shown r the of fhb etatanaA. We mul
Mar fraa pun law days afw r ash you the
Let M on wtnkh Yr .=r rablrm apprrad you can
call "C amurr :=n=,g doing r vA rot
rve pu dprW the toROVirq
intamatlarc yon opts std, steam hurter, the sass
amain of 1M aupsebd aayyww . dredpdon of the error
and r apruYon. H porgis why you Mlbte Yrere is
r error or If you need mmadks In sYa4 a dsKiptlan of
1M ham pu am urue stash. Y- do not I to pry arty
smash b qurtiarn wNe We son knmd9V it, but y-
am still oblpa?ed to pay 1M parts of pu hNNff that am not
gl
In question. YY: won MIi•??• le =l mmittlo=r*.
report you ar dsRnquan « tetra ltll 10 anaah pu quNon.
t,t Special We For Cradt Card Purdnases
It pu Nw a problrn vlth Yon qualhy o1 progeny «
serNeaa 1Nt you plmlmsW vertu • trod( cad ad you
Nw (dad b good fdRn to the
to
emoted ohlem wllh 1M
,You may Inrva 7M ddi rot to psy Yle ramsNrq
emoted dueaion the rtyl a esMpedrn. you Nve this
$5a 0.00 she Y+e paWSS mrb In ycur Mona nos «
'A"M 100 mils of your mMwno orderer Ot nla own or
operate Yon Rrerdnsrt4 or If tea rnWW you iM
.ro
co-red my l
rdrs y« IKaI?on? 1 .)
plat rwnroer to sign r. camapan iene
t foes nor A* o ea¢saraac awvmM card actors#s
i loss eat appy 10 Mctsms,. Aan+ maly card accoont.
Ono sl4perts Monteilon pdvary protecl)on: ar ou
I at wYVW. JcOrrl.
On b a y rogbtand aerdcs mark of Capital
salsas of your ata+oua to
1M U.I.rncs of sacin
at dW Old of W
NrbT tiro daW rklledan to. n z * ? ?dr? a caegnad. a ?tM
Rrnrna tlmrps fn« pu swam. To pot the dryy halrna
f« satin saloon( of yore wa take the aprranp
halarnafporr bsaddcn ?rW ve wdaM
st and add rord/+rmadw [raiasWorm
dayrs balrms w tun sap We civet wOVana
paymerr « osdu pored r of Uner dsy tlrt an .11-ated
.9. ssgsrt TNa Qivr u Ns separate dry M.-
weach ssgrWlt of yap aamrad. tbwewr, If you
kt d the
New Bdarms slaw r p pnnwr ammm ua a ad
(«
If you raw 6alrr vets zoo « • craft amarq, rav
traradYorr wNdt port m yap p sets «spadd
d
We
call aL tMe°parwr? andrnyt mW +
the terra c rd d 1M rT by 1M nrmbsr of
soya In M to the tarrerh 1,00 00 rp tyde. To caladate Vas tK'
Iklrla drge, yow weraps dally halrnes Dy the
rear
ge m sanding an i == :TV
.W ddarrrapas between thb calculation and the twit of
b. If the wee Z a N appears on Yon tram of If" autamaa
rmzt m'Bslrr Ram App/W Te; wa -Awy the
brpatal Noble: Payrnahs you tats m u wi be aedtW m your accent as of the Wanes a.y vat testa fi, leaded (1) you sand the Bohan porhan of tub vsuMen and your dmck
in Yoe anrlrsd rarrittarrm swigs aM 12) p« Wymem b reairsd h as proarN?o oasts by 3 p.m. ET (12 non PT). flrr .lbw n Ian sw 15) brriness ari slot paW wry. received byW at anyrodthepr,IaeaYan a ipnnrpaYdonRMYro«bml pmraeyntnot be cradtW ore of the w? scoria them. Ou business days an Monday Yrawn SmaGNhoemadWnp holiGY'
MM,,nt br Om a a o? Yte deck T! M a Oa IzaYan i{QRes ioaN dwcb iorwd dudrp the biRgbcycla a realraftven by eranhaeon on. 11 ws cannot trrooaw ttranMr you a Wnodzo
u 10 make a dharW against your bro awash usktg the cimck, a palm draft «Wwt Man.
Cap/ta1Ow KYFF
Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF•1001
MW W
PLATINUM MASTERCARD ACCOUNT
5178-0524-3422-1020
NOV 24 - DEC 23, 2005
Page 1 of 1
Account
Previous Balance $505.16
Payments, Credits and Adjustments $AO
Transactions $58.00
Finance Charges $10.$9
New Balance $574.05
Minimum Amount Due $92.00
Payment Due Date January 23, 2006
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
ard
To all C*toma R&C.. err u report a coat -t"
1-800-903-3637
Snd mmaus to send inguido ter.
Atm: Remittance P-..ing
Capes! One Bmk Capital one,
P.O. Box 790216 P.O. Boa 30285
St Lowe, MO 63179-0216 SLC, UT 84130-0285
Imuorrant Account Information
Its Cppttal One Bowl week time again! Tune in to ESPN
and ESPN2 starting on December 20 for the best in
post-season WIlege football action to we your favorite teams
for bowl championships. And on January 2 at 1 pm
fight , be sure to tone in to ABC to watch the Capital One
Bowl live from Orlando, Florida
Payments, Credits and Adjustments
Transactions
1 23 DEC OVERLIMIT FEE $29.00
2 23 DEC PAST DUE FEE 29.00
As a valued Capital One customer, you vie 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 January 31,
2006, to reserve your copy for this account Orders will be mailed out by the end of February 2006.
We appreciate your business and you deserve great benefits. Wed like you to know that your
Platinum card benefits have been updated. For details, visit www.capitalone.com/aeditcards and
click on the Guide to Benefits link. Thanks for choosing Capital One.
You were assessed a pat due fee of $29.00 on 12/23/2005 because your minimum payment was not
received by the due date of 12!2312005. 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'tltance Chatgee Plea eAv reverse ff
G
,
m
ation
ixfirr
ff iix#danr
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WE
fPR
N PURCHASES $slim .0709% 15.90% $10.89
CASH s.00 .070%% 15.90% $.00
ANNUAL PERCENTAGE RATE applied this period 25.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT
CRO W 0000000 0 5178052434221020 23 0574050000000092000
New Balanu $574.05 P?map •tdirrdm,?,Ar! e.x?t?at
Minimum Amount Due $92.00 so-«< Apc s
Payment Due Date January 23, 2006
City Serte Z0'
Total enclosed f
}come Phooe Alaso<te Pboa<
Account Numbs: 51750524-3422-1020
#9035809938399577# MAIL ID NUMBER
KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 ?t?etl??t?ttt?t?tt??t? o sat CAMP HILL PA 17011-6135 r
St. Louis, MO 63179-0216
PLare unieyorv a wwd mrtrmbn oat yore d wA or money order madepayabk to Captal OmeBmxE and nail in tlx cnrkaed envs lofe.
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be dry vef91holr prtrhes dharye m row pudrasa, row
ch rrcs varrNro, now+pt?r- pudns.e ant row otrr
tlrrpef it yea pry your told 'Now Baler; h
and tare Mth the Ylponra Nodes for poylraa bebw,
rd h ulte for k m bs usdted by your rhr¢ Mamlrtaa
red pap.. tr= h eddide t, thave 1. Wave pnbd
m any traircdm If you do rot pay the tort -Nave
balms.'
b. Aaonip FYhrF Chrye. Trnractlorr whidt ate not
h dr diem ot? Acs traneeWona a dham tM d tM)
tnarenint N wocerd m voter Acralnf a 31 Fran the
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WY1nrf, old you wi n
yaw Ikherhdal Yn.totlat.
It yea ahlllk your m te
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arprate shsel r soon
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RIM his m vlidh tr a
call to Cytstmhr Relst
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s fa peylnm. H tiro N a
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rd pemdtosd by law, untl the
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1, a H yea rent mom
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tfsbls at the addrar for
M this Mousers. We must
10 d. .11a rvs Neu your the
r probisn apparred Yau can
arnUra N 1M alr{MCmd albs, a OMCaplltn N tr -
aan arrrar a i ? H P,=. of rM?hryy you bdNw them if
tM ban ire unaodd atom hNmhatNn, . d.ralptlm N
monad vAiaarea You do steal N h 1? y any
m MR led to paa.y+tt?wl a1X`hpsI?e..1 2VILt are r%
h quests t vm ke gala gll tlat, vat Careen
y ea sdsfrtqurm a ts r1y action to caprt t o
t,t Special Me Far Credit Card RaMasas
If you hews mblae 11h the lyWhy of property a
anrMCes rust you whin a steal wed rd yu
Irw tried h faHt fa ebrroel do prablern M1h the
rrteldneM, yw mey thaw 1M add rho to pay 91r rmathtip
dusoNwynpmpsrly pr aeMpedwn. Yoo leave Ws
8x50.00 ad tfr pudhretr Www?pMatramada in yea hand state a
Mtlin 100 ropes of yea mrtrp sddn.. 01 we own a
operate tr msariam, a )f tNAee mdisd yw the
ddwlb••llrlellt far 1M a erifcNa, s1 purJr.r
am covered Iep.Mer adovht a lactation of praehsrJ
Please temanber to sign ail korr.pertdrtee.
t Does 1M apply to eaetrlr aolFCradt raid armtnta
i Deaf ref apply to beef aft mncrmW Card Ncaata
CeftYeOm suppont ktim"no n pdy-Y pror:tim: eve our
wwoobbalaltt N wwrw
ctWtal Our is a y service .nark of Capital
Capk lOlr Capaatfar4 Ildsa imetwd a OILOLBAK
na do No for the
re added m the
paiode me To obtain the awrapf dray 6dares for 1M yar aomlat k k hr
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of ac
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hrlerhas N sadh egrtaa sadh day. add .try new recalve tM Rrwdd
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adwlne, padre, spedd tlrrmr, and .pedal guars) ,
treats of your aWamsr riggserlhent, ws IseM rtes ads to
by tM omeytrtdrtp drily pnbde rsuW tlret Its been
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f you Cared You loeava
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for soar fegron of you .ccoua, ws tab tl
r bedrriq memWuNp Ns To uneel you accwY, yw mutt
balrtcs fpoorteacit sells. and add ar?t? rrw turrfNar
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the day In tr area blip qds. ro celalMS yar rest traroaetlorr yw term athaizeedd,, frrnc?a dharpee, pet
R1rro ahoy., tadtppy You :saga dopy -ditto by the due fee, owdisst 4., ultra ayes reef, rash
dNy rMn ad pry tlr rearlba N dy h Ur big advanen tar atd sty Mho fee .cared 11 your
cue m rouMrhp m a defy 6.L, dress stay be a
l accent. You are roprrpde fa ter Natant Mr1Mf
s vava
b semen ti calc luNn mod the amrart of
?1r1ps smrrfy arnrnd they .pprr m year .Cetsa m the tree yyaau request to
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y
ciirptr?pp?.AnC m you?eeoant Near Veu lino _ _.
h tahta?NStldw: P yw mall m w nRl W ugrod m your aaan[ as of tM bualrra dry haw roaelw 14 ProNtlsd (1) yw sstq to bonan poNOn M cis ?mh?wtt artd yax deck
anvdape and W you p+lttmtr N received h ar C.-mir? treat M 3 p.o. ET 11 rem Pf). Pb.r +fow at N.a fw 15) bunts days pr poral ONwry?
Paymmm received by us N arty Ot er loc ton or h arty otr btm may Irt 6s endtet as al 7M dda.yY we reaM them. Ore buskin Gy. an Mardry thraK/t Salutary, iooduArtp Ropey.
I'ISaam dip ChM hie slaphs gags dip eta. Mtn paWdin yet p. Wlrn you gad w a gWC yea audedze w to make a ar-tlms eisetlaie trerrfer debt salts
aocehan for M arlteuri o? tr dh. 4)i aNrrizNm apppn m d Mrcb v` d tludrhp the Gip eyrie own H mart by ahmear ale. It wo camot
u to make a dh.pe apakrt you brit a vs wing tr deck, a paper draft a otter item. poonas 1M treirebr yohl aWedze
Capita,/ w KYFF
Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF•1001
10
Account S
Previous Balance $574.05
Payments, Credits and Adjustments $100.00
Transactions $4.22
Finance Charges $12.34
New Balance $490.61
Minimum Amount Due $15.00
Payment Due Date February 23, 2006
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To aD Cwtoroer R&fil w to report a lost w stolen card:
1-800-903-3637
Sind prytomo to: Send inquirie to:
Att.- Remit.- Pro Ing
Capin One Bank Capital One
P.O. Boa 790216 P.O. B= 30285
St Lou6, MO 63179-0216 SLC, Ur 84170-028.5
PLATINUM MASTERCARD ACCOUNT DEC 24, 2005 -JAN 23, 2006
5178-0524-3422-1020 Page 1 of 1
Payments, Credits and Adjustments
1 18 JAN ELECTRONIC PAYMENT $100.00-
Transactions
2 23 JAN PAYMENT PROTECTION 1-888-527-6904 $4.22
This account's Non-Introductory Rates as of 12/20105 are: purchase A.P.R. =17.65%V, cash
advance A.P.R. - 22.65%V and special transfer A.P.R. -1.99%. lfthe A.P.R. is followed
by'V,' then your corresponding A.P.R. is a variable rate.
F'mance Charges Pkarstarreverret ds)6rsmpwtaat i#nxatwn
a Bd- .fir A iWk Csrygprlnr
a E
?
Wtkdas rat APR (ir
N PURCHASES $560.81 .07096% 25.90% $1134
CASH $.00 .070%% 26.90% $.00
ANNUAL PERCENTAGE RATE applied this period 25.90%
v PLEASE RETURN PORTION BELOW WITH PAYMENT v
10 0000000 0 5178052434221020 23 0490610100000015005
New Balance $490.61 Ff-t 1a arad..rtgr,e i- .r K- a•Hak mk
Minimum Amount Due $15.00
Street ppL ;
Payment Due Date February 23, 2006
Gtr Scare z8
Total enclosed $
Account Number. 5178-05243422-1020 K00 a Pb00C Attem.e. P6oae
#9002409938399575# MAIL ID NUMBER
>a KATIE BURR
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 ???ttt??ttrt?t?tr?tt?? CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216 e _
Pharr uwittyom acmwt rtsuaber ort yon dxcE or asortey ordn rt.adepayabkto Cap W O-Bm,E and mad in tbce-kod emudope.
baaa?
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covered by IN. statemem, ve take the
h=b-da soachrfekpnst eldl day, adpd my m re
1" 10 "ch
maces code N ?gAaoanpdgAbfrdd To,'o11He
feet wpW duryf irk. dIn"bbMmce
of each sawnem.) Thla qiw u Mr ddy balms of each
aepnern. Then, seer add Lip all 4r dally bdam so be each
WIN
otday?ibAlmp P?edodd TIda u e
logy =alrtee at aado aspnent.
3. Areswl Ibbes IANp.
1. TM arm 'Amaral Pataraaga Ram' may appeal of
APR' m to fork of Mis atatamra.
b. If Mr code P prim), L 13yno. I18tM1, C (Cerll= of
Dapsei0, m S IBedaeard Pdrse) +Ppana m the lrotk oT
flier sWam wo two to Mr padode ra" the oerf T
RATES
mtwywry end =_1.!2 A y Imut as W dea:rsw w =lied
maed , maY hcreaes a
m Mr stated Irw bulees...pf?m.Mdoth me wr
Tamar ??er " to - vM bode ofl s=wan ?d? Nu
dlkq Period rntared by yw wdndb atrtmad andrp
b Mns mrdtf Ja merry, V,=Om October.
a If the cab 0 Oyme), F or O 43--mo.
LIBOR Raplcod M M a?eare m the barn o1 Yam
slalama,a nfod m Mr pfiode tz tM pmkde r t-
5c- m?mrdnp ANNI AL P WiWAOE RATES may
mrtldy erwLmay inww or bomaw bawd w Mr
tdees, w food h 7M Why StraM./mrwG Pkr
1M margin rrtgea
Wa be e.==d.
iat day of Ntr biitq pmbd
4. Aaaa mwk of Lace, Ovwfmik and Raeantad Peyamk Fr.
Yattr acearm will M aamseed m mom Mot two of Mr mea
asted here dw oar dung my bWdV period. llnder the
mma of your tarstorner apamna, vet rrrw Mr right to
vWw a nol m amt rry bm WUtou aim mMfratlon to
WMwm vmivkp am dgfk to amen the eons m aknEer
r al • Wor dow.
6. Yar? Aawtak. Ir a ntrMsmldp fw
appnm m Mr imm of Mw statemarn, you Mw 30
bN fmm Mr bm Uif atatenntenk was mailed m yetr to
avdd Myinp tM tee m to Nw atafi fw eredted m you
f you canted your accwm. Otrdtp Wa patiod, You may
conttlnars to use Yom aocomd WMmR Irvkp m pry the
membatfhip fee. Te canted yon aoeara, You out
all polymtNiby lbw h ftr (aLtAtdrlp 1M
4 H You w Close Aia BNattca' o at =r;=t. wmbvopafe
r,=Y- by caitq out betray yra crodt c.dw end
a»tak seem dmcb, cared all prowalmdzed tiFhq,
all eases yam account. If you do not crtcel
prerdnM:ed artanpansms, vm WrFoprenriydfarr
soeauttofAdd?tlmdyNt= tr atxauk::.Sabe domed
=Pay pay d smatarb Nu ovw u hdd, arty
tneeaaaiar You Mw attdrdza4 itrtca tirpm, Mat
dw falls, overFttit fees, m=ooed Mlarterm pew, cash
aawaaad to Vero'
ad- tool and Z=
ecootak. Y- are for Mfr atntotam Waotlrr
1haV appser m you ataxtan at the time Vyeratt rogtrw to
rime 1M afmotam m May are ktarred W agimrl m
yotr regtral m dam dr aecour. Tbh any
have
h
dtanpef appsadltp m your aoceum char ysu Irw
reeusaleM thhee aawtam to be dosed m tlr reaoerir of
aaw auliork a Imal bor• ntemJmk erows
Mr r Ute nttotdrm afM yon
ataxutt Its be been obs
you aa
e ari=dm mnt vd bs rsccm w,,
Mte amoutt of tlr dw? vd h you' acmtnt,
rd you wY be rawarl? pot t, th. f. If titre b a
nrenrstrt4 Tae feryar Im>cotn er he wY mmkitr
m M m am. by bur, ti ilr
afaplaY deh fl/ M tiled above.
7. =Y==== card m aaaam cannot be
whh raw meanrr garrthYnp
a. pbellse AbrkAb A E wa&.& Qlwk mrw?mdn?aWlwl you
provide a ricer, w payaden, you aulydz u dff m
tare hfmmwM fimn wt? otrdc m ntab • oro-tlnr
atxant or m
dearorilc?faupdaytmrlMwk6r- f)Om yotr :
Aaotl? When We
paearbdmllrMlOm r=oll as I?MCh mb aNalmie
MW awwbr, K.W. aryl=s Wddma from yotr boric
accaas as soon as Mr Mme dry - mcal"m ydr
p %"acd you vii l racdve youdrek back term
your YI tmion .
BIWNO RKRNTS Sl1MMARV
On Caw Of Fzrora 0 Abdul rtaa &k)
=d- r you nwd s -
m a Im vamsetbnl or NN,, M. m a m a
spars=er a=rse as aom as IIa'mima at the address for
intt,ttlba shove m the from of Mier stmwnrm. W. mum
Mar frmn you rr 1==, BO dp ahw we sem you the
iw bW m vkich or prodam appeared. Vou can
call om C... RdaMorr,raarber, Md dakp w vd twt
pprreesaeravwe Your derider. h Neal fmier, paw u Mr fopovanp
ameba of Iyov rtrm ands acoaaa raaMm, M+e ddbr
emoup of M mapecrpo amr??mr a daaalptim of Mr error
all m eoplrutlat, H ptreaihb, ofvaty you habeve there la
m error a N you rred mats kdarm
b ort, a doaedpPa of
1M hem you aro tatatae ahdrr. Yau nottNlgrw to pY wry
am 00 hobgpoa?rdbto pay 0" parr of hNf Ihat - -1
In on '446 c-ot
?dy? mUke my ion to sa=lsa= Mr
t,t Spatial Rda For Credt Card Pmdrsm
of prapeny m
if ym have a problem vaMt **:n
aervloea Mum you W: 1d rd ym
lease ttbd h lailh 10 derraol Ufa paamem WMt the
:=V: fhb kart not m pay the meaWrp
Ma properly= m SO= You lease Mier
"cdan
$50.0l and vAwn ww prlydrw pricer vise oars MAN
160.00 and ll Wd mWWbppit qmods in Yaur W ante Of
Wdh 100 tttgse M you 1w :: r. of we ova Of
aparate to aretdterk, m H 1w mWsd w= the
ate eowred rayM_o Y m or IoratimtMof pwd?.)
Plea" to M 6. to !{qn d'. oorreapadao.
t Awe set apply m oarsrrree• as -& -d acootara
S Deea rrz apply to bnWeea nm-serif cur acwuls
GpRal Omer wpports kdwn don privacy pco"adom we
ou
vw=aha in www.lca?d imta?I cam.
One fl11a11dN Capa+satyNrq{pktared service mark of Capital
Cwltr 0r All V- Foowved a 2003 LBAK
to. Gmao Parbd. Yeas vA Itne a nidmtm praca period of
25 daN Wdrota *mra" drape m row ptadrws, new
belrma vartsfas, raw fperiel Purdueee rW row otlrr
d-W if you pay Votar
tool 'New Balrco', h
acoadanes whh fro YripotmrK Norlr+ for {rynwn below,
W h rims for It m w medtad by Yr roe atamamk
. dets. Them 1. m
e d pap_w osrfen. In adMlon e to
Qrarw pmbd
_WW vrraalon it you b rot pay the tour New
b. AaaNntq Fitmra tltaya. Trrtfacdarr Wtkit are not
atgwt m a Q+o period ere ratsaaed imwe drr? 11
fmm tlr dab of tlr tranratdlwe a 2) fnartl dr dare ttr
ftarraWon
6mt tylmdw Y proce m Yatr Acecutt or 3) fmm the
daY o f f th dw e sock 61ip period AddtlaWy,
Hyou d'd net pey Mr 'New 8alartee fiom tlr prmimr
ybairp panbd h ftil, Buro thapr mmMrr to more to
is In &M.
Ttie merr Urtymre m?W fli mw footer tlrryeW even if
You pry tlr anrtlrs Nsw BeWtoe btdeared an dr fink of
Vert waramem I,y Mr nets wtttamem doakp dam, bur ofd
not do ere for kr apprs/b rhaNmmdl Iltymid fYWICe drrp»
added w d. "'t
t c. ktbirsae Fbmnaawwg?tlcrttM. fa sadr t19V P"W Ih,
meal frrartrs ddtatbp4aAr0srE IotfktfpO.fiO rim Wp°Inyorn?ndM theK FRANCE -'a flan b)r It, i0. Wub.
dlat
biNd m the putlrw wpwn of amoua.
t d. Taepwwy Radrwian I. iirra prrgs• Ws reserve the
dyk to sett aaa m any or all Wr dwgw for mry giwm
2. Avaraga =d.-
I- ?obri? Now Ardraaal.
finrroa dwge b cakLLated by ttwdtlphkp Mr dYly
bW- of ewh opts, of Ysur atxmak (e.¢, ram
advaro, p.dmm, apodw vatmbr, and ups w Pud+sw)
by tM mnmpmgrpm derby pedo I mt.W ,,It hr bean
owtfl ycu. At the and of sack
ptmkWypdmrbd
oach
d. I ninkpoi ymraonsuYm tlydtlN?yyWr mm
a
mpnam. Then w Mr rd d the tip period• m add tp
the rswhs of Mom do calo.h ae.n m ardWw m
par lktantee d,
for aadt m0wrk. s add up dr
trkm fiatn eadr aaprmk m ardor at
the foal pwbde
imtoa dogs for Yotr stsntnt. To fat tlr daily ba=rter
rot aarh fapnrk oI Yatr after=/,, vw take Mte begbairp
baWO fpefmfeoaddel op=al, alld ! tdL?rNW cwt Vrrr:dmla
day?bdmceim drtaapnen edricer m"rW m
paymrare or coda pd as of that dry Mar errs shooed
m tltw mpnrt Tfi given u dte apnea derby bdro
for srh wprra of Yatr aeCOtak. Fbwewr, H you tM
Nov Burro allrMl m yotr ptsvbtr ratrtatak In (m
if yotr now berate vise zero m • vadt affmw, new
trotraeMorr Wilt pow m =- drse m tpscLd
cwoLAM wp tb am tat by to Zq d . W.
the ds" In?tltswaerok blitp cycb6 To Ww1Wem ymr WA
fktwo dw{p, Yatr average balrtw by the
daey padode rats and Mrs rzantbar of in do blip
Perbd Dos m mtMrp m a =.-M.= a
a W
b. If tM cods 7 m N aprmm m tM 4me of Mier wammom
meet to 'Ba=tas Ras Appwd To,' we naMply the
nwnd+l
knpamrrt Nwbw Paynmrm Yatt and to u vd be aadted to your sccmam as of the btetMw by vas necdw =d ad () You send the bottom porden of tNS atammmt all Vow dteck
It ttr alaiowd earnlimrlce mvdape std 12) yov Wyrrmm N raalvad h our canlw .11 3 p.m. ET (1 PT). Plume allow w lease for (6) bttabneas days= for poaW
Paymetm recalved by u at arrf cittperr locakan m Iqn ampaydtogMryro fmontyrmnrymtnot bs cymoduted as of Mr day we rscNw Mrm. 0. bull- bye m =y Maotngh S"y pedudrp N•
ac?rnaVI tlrr=1 Mr cMek rf h atMtootizatian agNw toad rite=s moelvad Mkputhsdr?ddri t . btY ttaorn Mr,a Was weH csm,m process MOr fbtb°wisr,yyM a?wrdzs
u to make a chaMe again your bank acmam u* q to drek, a ppor draft or other ham.
Ga its one KYFF
Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
Q? PLATINUM MASTERCARD ACCOUNT JAN 24 - FEB 23, 2006
5178-0524-3422-1020 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $490.61
Payments, Credits and Adjustments $•00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement If
Transactions $3337 you have already made your payment, please accept our thanks.
Finance Charges $10.91
Transactions
New Balance $534.89
Minimum Amount Due $34.89 1 23 FEB PAST DUE FEE $29.00
Payment Due Date March 23, 2006 2 23 FEB PAYMENT PROTECTION 1-888-527-6904 4.37
Total Credit Line $500 As a valued Capital Out customer, you are eligible to receive a free Yen-End Summary for this
Total Available Credit $.00 specific account that recaps your 2005 charges, provided your account is in good stagding and
Credit Line for Cash $500 you have made transactions during the calendar year. Please call 1-877-794-4487 before March 31,
Available Credit for Cash $.00 2006, to reserve your copy for this account Orden will be mailed out by the end of April 2006.
At service
yon You were assessed a past due fee of $29.00 on 02/23/2006 because your minimum payment was not
received by the due date of 02/23/2006. To avoid this fee in the future
we recommend that you
To Call Customer Relations or to report a lost w'Wen card ,
allow at least 7 business days for your payment to reach Capital One.
1-800-903-3637
SeodMracatsto: Sadialuitieatot
Attn: R..ht a Procuring
Capital One Bank C%"d One
P.O. Boa 790216 P.O. Bet 30285
St Laui., MO 63179-0216 SLC, Ur 84130-0285
Finance Charges Pdaaree revareA a for important information
?i B
.
k Peal Grna>a,lw
_
te
js,
.yeplvJre .air .felt
r PURCHASES 8495.86 .07096% 26.90% 810.91
CASH 8.00 .07096% 2$.90% 8.00
ANNUAL PERCENTAGE RATE applied this period 25.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT v
0000000 0 5178052434221020 23 0534890100000034892
New Balance $534.89
Minimum Amount Dux $34.89
Payment Due Date March 23, 2006
Total enclosed $
Account Number: 5178-05243422-1020
Pb-t-1ddeva6ge.M arVM--Aeek-L
Smeet Ape. i
City Sate ZIP
Home Phm Ahem.te Phone
#9005509938399579# MAIL ID NUMBER
KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 ?u?ut???rus?au?uau?u?? ' a CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216
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dtsryaa ff yet, yes toW 'rbw BNiro', b
atmdrtce Mth tlr Yrportan[ Notln far WMrwda bNOw.
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b, eredtsd by yet nn¢ staorrmrt
chip dial. Tlrre b In gam pedal m stilt ace, gerbil
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m any trrwedion you do ply the man 'M-
b.
Asmhig Feral CMya. Trrwectiw wNdt sot rot
from
M ofb to tiaruaWon /torn hhada d pet)
trarwctfm Is proasred to your Artout a 3) born the
drat eslernder cry of der rarrart birnA pnfod. A6ibrWy,
ffyouu dal not Pay the 'New Bdmm hvn d WeNwa
I me maw own you mayy arm owe ihrte, ctalpes, own r
yes P+Y dts Brake Nets BNess hdieaud m rite hoot of
yam rtararrrm W ds rtmd ttrt Mmn e but of
not der so for the previous monk .=
ailed to ds apptotl?t of vote Aaatn.
tot. basal Firma tlrya. roe eWt 6MInq period that
vac solar b su6fert m a tiro drtm. • mbbem
p ME="" sl hlr drt 7050, u?is w)II abtrsrt,lat
amen film tha ?0.60 ahidman and des dHareo wM ha
tt you euonaram ¦ psaaew lrem . msRlrs w w
naives tIs urreetlon (km tits msnhn be
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nnpnt of tM drrpe? wi be added to Vote aoeaux,
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F H orvwcdorn wbh my Hemet prrbiq
5. Nof!°e Abad Elsi«ds t'Ihsok Qolwrabn. When you
provide • deck r 614 you autlwrizs u old- to
tine MfotOmd. from dock m make • orrfime
alee[Ipde fill tranfir you bade somas «m
proses tla pea es dwdt trrwec Whet we
tae kdanulion fimt tl"ck m mil en sbaavc
find tznwfw, furls may!bs wMdriWt flan Yore sett
acow" ea soon es der . day w rxdw yar
payment, rd you wA rest re.dw your dock beds fiom
Vote terrLl khaUtlNorn.
(h Gw Of Firors Or Ohreil)mrta Abet Yar 5a0
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amt ?as? a 1st. arty aetlyn m caplet 161
t,t Specal Rise For Credt Cam Purchases
If yes ha? a problem wridh #0 pdhy of pnpeny or
aervloas that you putdt , Ad, a c p "ad m AW Z
haw tdW h good fdL m cprrocl iha
merdme, you may have #4 dot nit to pay tM temakir -
arnous due I the or esMoes. You haw IN.
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statement rem to 'BNwtoe Res {pfed To: we Nso
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of eirh sapped.) Thb gh- u to dally bats- of each all the claffy, belarices lot each
for des Niq pewdod dNds total
nmhar of Nye h the hMlnp padod Thh fives u the
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tub sut«raM rate w the psdode step), M perbde
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may very elly may losses" -W se based
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statemanl r-d m dhs perbdc rataW 161 p?odc rates
and ANa)A, P61CB1fAGE RATES may
wry ma+_ , may baesse a deaeass bed m the
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cfii ap?eidnp an yen icean aher you haW
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hpatst Fledss: Payrrres you male m u wM b aedted m =Z-- es of the buiwes by w real- h p- (1) yes sand tha screen NO a thb Statement and your duck
M der enelossd ralcttrwe anvalgte and (2) you gY?Inwlt b b lie po?si? comer fry 3 pare. Ef (tt roar R. == n newt firpo(5) bhskwas days for postal dalwry
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the hWrq ° even 11 slim by emineerw des. If w umot process the transfer, you authorize
u to make a charge against, your brtk acomm rektp the dwck, 4 patter draft or Other halo.
CapitalOne• KYFF
Kee our
finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
PLATINUM MASTERCARD ACCOUNT FEB 24 - MAR 23, 2006
5178-0524-3422-1020 Page 1 of 1
Account S
Previous Balance $534.89
Payments, Credits and Adjustments $50.00
Transactions $4.32
Finance Charges $10.37
New Balance $499.58
Minimum Amount Due $15.00
Payment Due Date April 22, 2006
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyourservice
T. nU Customer Rdatiow or to report a It ..W. nrd
1-800-903-3637
Sad payments to; Sad inquiries to
Attn: Reauttanm Pn-oing
Capital One Back Capital One
P.O. B- 790216 P.O. B- 30285
St. Louis, MO 63179-0216 SLC, UT 84130-02a5
Important Account Information
Please review the enclosed privacy information and retain it
with your account records. Also visit
www.capitalone.com/cre&cards and dki on the Visit the
Guide to Benefits link to learn about your latest Yra or
MasterCard. account benefits. The descriptions in this online
guide replace any information you received in the past For a
printed copy of the Guide to Benefits, call the Customer
Relations number on the back of your card.
Payments, Credits and Adjustments
1 14 MAR ELECTRONIC PAYMENT WAD-
Transactions
2 23 MAR PAYMENT PROTECTION 1-888-527-6904
$4.32
Finance Charges Pleare"ro v je ode, fr imfortant iafffmatwor
y BJararaee
$ yplKlre Pn;elr C?rI?
a APR - ??
d
PURCHASES OU13
CASH S.00 .07096% 25.90% $10.37
.07096% 25.90% 4.00
ANNUAL PERCENTAGE RATE applied this period 25.90%
v PLEASE RETURN PORTION BELOW WITH PAYMENT v
0000000 0 5178052434221020 23 0499580050000015001
New Balance $499.58
Minimum Amount Due $15.00
Payment Due Date April 22, 2006
Total enclosed i
Acmuat Number. 5178-05243422-1020
P4srcpei•ttddvsrakeYapa muY?t?rrr.,ti..E
So-sa Ape ?
City Bute ZIP
Hans Ph- Ahemsn Phone
#9008309938399571# MAIL ID NUMBER
KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 l??artttrl?rtt??tt?i?? o CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216
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Please vniteywv -of -&roa your rh k ar money ordw -kfiayable to Cafitd One Bank and mail in tlx enrlored ernrlofe.
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25 Mfa nidWA Nunes m row pudare, raw
helencs urndapr e, mov, sped, pudrrs and new adex
a? es ? Me Nqo a lbtkpaynrnls aelow,
and in tine for It m 6s aedtad by Yw nag statantsnt
doWp dare. Ttere lo ro gam period m ranh advanor
and aperiY tns -f N addWory tiers N ro gs pstlod
m s^Y trrrctlon if you do rot py tie mu1'Nemr
b..CwriM Fbrre a4• Traroactlon. vdirdt aro rot
irtlr rive oftherrnacUma a ?dkan tM riff
torwusfot I.
proceed m Yw Avsur o 3) ken tM
day of tlve rstrar Faitktp oalod. AddltlorokY,
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rev ilia 'Iiw 8aletn hilt tlr aeMar
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the mepin pmNarly daclord m yaU. Thar dwtp
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a. Aare -* of Lahti O-WA aril Reksned P+Ysr fees.
Your account vA be arered no more than rule a tie roes
tive
limed hem that occur duke any
bWnp period Iktder m
tams of yes - Wmw egrseant, w faaaM the
aldtl
vwlw or not m t err cry Me Wtilan prior notification to
?t vraiNnp w dplm to !woes, dm sore or similar
st e 1ste tkns.
6. Parr t R a rtembesNp fee
ppsrra an the here am of of this staternerrt, you Mw 30
ntemem vma mailed to you to
day- hem tie doe tlw am
evaid paying ta c ivew such credtad to you
If you anal Vo yew amain. ilia a Olrbp pedad, you may
corsbsa to tar yatr accousd vAtltar Mvkp m pY tlls
rrteriheralip ba. To canctl your s;-:Dart, yea rout
and payrsyls by pw paWtea- N M (soWWtlrtp?tlts
a. NYew.MYour ) A ??t ry-0el oil.
yyaars amour by raMrq cur Cutaesr Relatiar
Oapartmam. Vw meat dseroy Your oeM caalW and
etasont arxer deeke, eared d preautiod:ed hiMbp,
and cos your aaoua. 11 Yau do not rectal
aretpetvertia, vre vri tactile
dblaiis
Hof a acooae vdN reopen yew not
ksld You pY ad arnoesda lour otee w Nckxkw rY
trarraction You Mw amltotized, 1Neaa daps, pat
cue 1sea, oweknit feu, mired p&Vw s has, cash
ad- fees and arly adte tees accred to yes
acwm. You an repanllo to [Mae amwu vAetfer
they eppesr m yes cereal n tie tkne yyesau rsglmr m
tloee the -exam o they an Yolrred ser4am m
your rogeest m cis tie .roam. Ttia may roeat N
dupes epparbp m Yw amain -fie you Mw
M fM ?rinN to M M,r,l .r du n.ewv.y. nr
awaered a w'rrram o nerdur .rd v e
the eratraaMnia n the metdwa after year
evaas Itu leanMdoaedy yf ar accent bs taopened,
.moue of the rive v l orpaymenC11 be added w scantlo .
you rule M fMya sm a
M
meMaraulrtippsdM far yar?.aaaae, the M N aedmte
m dWait
ieear[ Mlertes Iw ha N hN r AeMed shove.
7. llaYr? Yow Aeaaar.Va# cad o accoud castor be
raced N arrlactlort with ?rlY Intanott panbkq
transactions.
e. Nedw Abet tleebaie :,k t?twada? When you
provide • drdk si p you u m
one.4inve
use Nfonraatlora flan yea deck r make • to make 8
t
alscuorie acrd tnrfer leant check bank ion. n. accotant or to
preoer ticpa r b dock tra Lmakeia When tvs
When
ywtx ie
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and t br, w.
nt a er as may! ayl M xitltdewn from yw beNk
account as r aeon as tlls Mme day vin receive
p E your
B mraiw your check beck Tram
(N Gee of Firore Or 4usQaes Ahw yw SM
It you a of yw biti s wrap, or N you reed nom
intamrim m a tr n hN, valve ---a
rpnn sheet r arson es e n 1M adduce for
Npidr altoval m to of thin statement. We mat
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arB w dalado does. in
prolate yw ip11K N YW )nmr, five u tive tdlmtirtp
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and an
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an error, o If you need mqe IOmudm, a des dpdm of
1M lean you sae arrue You do not Mw m py cry
mare N Wis an NtostlwWlo k, drt you
an aW m pay pane M yes 6N tlut are col
in questivl. w you we careot
collect the
m a,t Vou qu des. or every to
1,-r Special Mile for Crodt Card Purchases
If you have a prablom vdth die quality of property or
wrolcen tlutNyou vAtll a emdt teed aril you
Mve triad fabh m apmct tie profalen vAN the
rrerdned, VW rosy haw the tight not to p@V the ramsidrtp
entered due m 1M o services. You law On
pmteegon pity vllan air qIa wa mac than
x60.00 aM
WhintoorNNZeelyearm padar wmade In yew home etan or
qwato adder pt ytae ovm o
ad m rk matchers, for do « -or If Mater, M purlases
am covered rapsedeas m elhlam w location of purchow.)
Rear romonber m sign all aaropowkroe.
t Does not aA* to ooreaaae -ad& can accours
2 Does ref apply to "Mum n ftff cant new;cs
CadtN Oro mppora NfanMNm plvacY protection: we w
webeln at www. a cco m. service mrk of Capital
Ufa firleldal CaParad y hit darts removal a 2003
Capital One O1 LOLBAK
b bbalanpe of each aegrrant
tr m each septet and
eerie N appmn c
or era6n. j" the
eroterown two lo'= ual Pte A
adMi spina t. npellinunce charge d Ih
Than, vw add tq W theto the 6flirqper{pd and c
nmbe Ot dive N 1M biro r11od
y bdros love the Your rMe
da La the if you
d+Y, add my new meal"
set arty?zoma
acrd
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tied ed N the balance
u the
awrpe dilly W W¢e of aadt --cm.
3. Maul prrw?ape Raga fAPRI.
a. TM term 'Mani Percamapa Rati may appear as
APR' an the from of tit suton.
b. If the ads P (Pkne), L (3-mo. LIBOR), C IGrtltka
this e?tatemera (irad?m the pedode r ) " peck
let balance until hie UWM boleros N paid N era raM a
i
sysoumey ova INrra Wryr, ever f may w
rrlerk rne¢ alanrrlerti rioeYp ?
for tint prwloua rnerett. IrVdd Nvertn drrpr Tlrr
m rite appka6ls eavnatt of year Amour bRYp
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of W.6O w. M
klno lean the
scar any o all M
it a ( a
ups b cala/mM bl'
wider cut
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exam
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verges for ow given
eve osap pane, ws appry w pwoac rw mr asm
aegaws o(yar avant of fa Pori a of eedr
." aaio We
des no dodrtsrdprs?iorMuW4lNrvem at -
Fasulm Nmneach sgnrtt m sod V= W .fe?
lkarrs drpa for yar amain. To tidy balrtn
far each seprrem of yew arasrm, ws talcs tlr badrsirp
Dairen to arch rpwtt aril add rnWy raw traraactfois
and every Nrns dtage W. Waud m t1r prmiar
days for the asgrvem. We titan albcad
m r(itwk. T.hb prrae u epsram dsby balance
for cede osPner o1 yes amass. lbvrevr, R you tine
Nevv Balwtls shown m Yes prMOa ataorrars N (o
If Yes row balartco vrr zero o • oak arrears). row
treaedlau rubric host to Yes peatders o stial
pxchmo rpaneww p d- no allyytipm%?apJb We
the
N wanrk b.. c,. To?W-Nn ynr tort
Rrlaln tlrrge, Yew average tidy baleras by tM
rouedelp rode k tl? be of
ddlrrtc?s wwscal?/atlon rd dot rmtnt of
b. If tM rods Z o N apprta m 71r from of No steamed
mad ft 'ad- Ran A OW 70 w
e nlvYr ythe
,4a., Adr.,r r,i, ?rwrr I.v ?wwNv
and yw deck
N erdsd you and m w vri bs aedtad to yes aoeaud as of to basins a.y ws ncelw IL =:d
sd (7) yes sand the botwn poNm of this =far
enwlape aril 121 yes payment n leached In w -mead 9 caner Oy 3 p.m. ET (t3 PT). Rues allow a lusk tw (6] Wsirea days,for portal dNwry
Paymeds recsived by w at any other bcafon or Iron arty odorfam may not be -M[W as of Ow day w mWw them. Ow bwb m dsya am hlwday tirak(/n Satwd?? eodkMkq MiAsri
Res do not taw stap(r Pape ribs zonpayks purmpawarh, Wlnan yes send u a
check W, you audadzs w m make a amtbns ebeikaie hwafer daDit Hian Me bWk
arxaad for trot o+ th d&tr;:= k ppras d dodo noaiwd daikq tM biq cycle swkk If win by sanems air. If vin cantor pkocer tM tunsfsr. You awMdze
w to unake a chits against yes bank scooted udrq the deck a par draft or ono item.
Capfta,/ W KYFF
Kee our
Finances &
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
C -;X
PLATINUM MASTERCARD ACCOUNT
5178-0524-3422-1020
MAR 24 - APR 23, 2006
Page 1 of 1
Account S
Previous Balance $499.58
Payments, Credits and Adjustments $.00
Transactions $33.45
Finarxe Charges $11.11
New Balance $544.14
Minimum Amount Due $44.14
Payment Due Date May 23, 2006
Total Credit line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyourservice
To can Cwsw- Rektiom oe m report a lost or etolo card:
1-800-903-3637
Send payments t« Sod invides to
Attn: Rer ittaoa Pressing
Capital One Bank C.Fital One
P.O. Boa 790216 P.O. Boa 30285
St L-6, MO 63179-0216 SLC, UT 84IM-M
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 23 APR PAST DUE FEE $29.00
2 23 APR PAYMENT PROTECTION 1-888-527-6904 4.45
Reminder: if we receive your minimum monthly payment on time for 12 consecutive billing
periods, this account will be reviewed for a possible return to your Non-IntrodlutoryA.P.R.
You were assessed a past due fee of $29.00 on 04/23/2006 beaux your mmunum payment was not
received by the due date of 04/22!2006. 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 Pkareraermffje?nnkfirrimjwtant iafametion
i azR tr?
a
WrWfil
PURCHASES $504.93 .070%% 25.90% $IL11
CASH 8A0 .07096% 25.90% $.00
ANNUAL PERCENTAGE RATE applied this period 25.90%
V PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052434221020 23 0544140050000044148
New Balance $544.14
Minimum Amount Due $44.14
Payment Due Date May 23, 2006
Total enclosed $
Aoc cunt Number. 5178-0524-3422-1020
P 4 t-fA - h. V . k ! .,H -bl k-k
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it... Thos Alt- M Phone
-- #9011309938399576# MAIL ID NUMBER
¦? RATIE BURD
Capital One Bank nos: 1198 SHOREHAM RD
P.O. Box 790216
CAMP HILL PA 17011-6135
St. Louise, MO 63179-0216
Plate w teyoav across! number oa yore eherk w money mdo nmdepayabk to 4 p"at OaeBaek and merit in theendwad mvel?pa
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assesses,
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a Ge- IF You vdl hew i mhimim prove podod of
25 days vddru hisroe Chirps m risvv pudrso, rhety
beirhoe vw%M row special purchases eel raw other
deause If You V- t-tal 'H- , at
a rse wldit knportan Nodce for payments payme is below,
ad h tins for it m be erediud by Your rota KMmea
codrp dam. Than is ro pesos paid m ash sdvrrss
aM special Vanxen. In Wddm, there Is - goes period
m+anl'tramracdorh If you do rot pay the total Now
b. A-.bV Firma Chaps. Trarhaactlur much am not
h?dhs damQW tA?nsrrscM?trw?ir ? aim 1)
trnracim is Mtosssd u Mr Acc"d or 3) from the
first slander day of do Casters biro poriod. AdMoreally,
If neu did rot av the 'New Balaroe from the peNmn
a ew? fririce dharpea, even if
Isms Maud m the tram of
xasrn ka dt ?hhmd?ttfd
ere ear
tc. Mimes
be*.** balance of aeea?chhwsenpnat vatlt ay, aapasVr+nrymnle?w
a rot the tads N appear w the ? o1 z
stetemem rimo to 'Balwo Iota A/?mosS1edd
ebhract arty tapeld frhsros charge bdtdd h the ohms
at each seg-an.) Title gpa u the dory balrice of each
Them we add 0 the "yy belarrse I. each
agFaan for the biRrp ad dAde by the total
comber o1 days in the Mriod This gva u the
dopy betake of each sepmem.
3. Arsad Rates IAPRI.
a. The tern 'ArswW Pa...." Rate may appear as
APR' m the fmm of this xatemam.
b. If the code P (Phims), L (3-mo. LIBOR), C ICmtifate of
Deposit), or S (Bard-ad Prime) appears - the frord this eh --K runs v of
0. periodic ul*W, 7M podadc
tats end m-Wandinp ANNUAL PERCENTAGE RATES
may wry q-t day and may it-" or decrease based
on the stated Mae, as Loud in The Wet S~
.loawdiplrt?rppar mardne prNawy disclosed to you
These
bilip Pshfd °°v°hd byfhY cdve pedodc, Assns wing
Jranry, Apdi, .ktyy ad October(3.
h the menthe
c. It the code D (P6ro), F (tin-. ODOR) o O -mo.
and
wdi be etMcd- m"fret day of you bfhp pelod
each old,
4. Aseaanwa of Laos, Ovsrletl srd Rsbnsd Pgmhett Face.
You secant wfl W aoaW - mom shut two x the ha
NOW hen that ooee du*q sty bilhp period Unar the
terns of you arapr go--*, wa reserp Ace rigs m
wel- a riot to epee any hen vAlhmn prior rotifadai to
you vAthou wahinp ou rigs to amens the same or similar
1sa t • later 11mro.
6.tRehwMp ear mod of t If a tope nt you he
spoon m the this statement you hew 30
days locum the dsto this sunwear, of ate to how such mMbd a you to
awls pm*q the fee or Di ft fas aedted to you
You w c to
if you cancel
. ascot aceoua Dukq die p pvhV pa pay
canrifrdrached pts to hate you vatliota hevirtp t to pay the
membership fee. To anal your aoeeen, You tout
notify u by ok g our pwanx Relations Daprimern
eel pay New Balance' in hM (ohdtxkq der
Prior the of to riod.
0, If you Cl
ass Y 10 yyaohpe acahrt by rsiiirp Our Cusrouhrr RahNorte
Uepartmeot. you must destroy Vote resit amW aril
same accea tacks, aced at presuliprizad W",
d aaa ud your aeatnt. It yes a not vaned
praedadi b?hip srtrgeoMS, we wN portal
u col aA?? ? Mm morose yoar
un9 you pay all -Wm you owe u kckWk aloe rJ rry
trarracioro you hew auh)terizd, fnaae daps, peal
duo loo, ovedbrit hp, renarted Mmmes hp, mesh
sc=ones hop end arty otlhe has sassed m your
scour. You aro roparNe her tlrp atnotap vawher
=In m yap nouaa at the Wna yw hetltwt to
hxaua a toy aro htcund subaegwa m
yam organ to copa,o the ecsua. This may rowan h
ra?seargea dap m you aawht lime ya11 Ww
d h a to W da.d a ua maeirhr of
you accohas if it Ira akady bean dosed. Far -pb,
f you aWtedzed a phrdhae from a rnsMrit and we
room the utmeactbn from the mendwu after your
accaus has bean coaod; Vote stmt[ will be roopornd,
the amoura of the charge wit be added m you aaroua,
adyou w?Nl be meperaae for payntea. If Uhsre b e
Free alas he for your ¦ccoua, the foe vdl caskan
m W rJrroed, m tlr arson
Mid ps-kmd by hw, tall tho
=.c balarm hr bets in M p dalYrd above.
7. lhiip Ver Asa*ovm with Ith arty ahd or oaasn cemm be
h? h hm hurtw 9sshbwp
8. Notts Ahaa Fled-d. Qhrk Come-bro. When you
p-4de a check - Mynwn, you authorize u shirr m
use kirhnstion icon yak creek m make a mefirro
abdroriUerkapda trrrix flam yov karik saotnt or m
tpas hfomwbn hom Vat deck mu m abaraie
turd trarr/x, kffmb maybe w delrawrt from yore brae
sacra tl aDerl tl the same ay ors mom
psyrhtea, rd you vdt not Hove your trek back flan
your frrdal krdtldm.
MIXING RK*fTS SUMMARY
(in Cap Of Firora OrbQurl)areMan Yor Bw)
I/ you Wet you 6 M H you red mom
hhmhaYah m a trarrectldo orl or bill, wrih to os m a
aaparah flial r pal p at the adtkaa hf
bngddse athown m the 6eitl of 9ia autemea. We oast
how Rant you rat lour them 80 altar we meta you the
fatat Hf m vAidi the atom a apps+rod Ycu an
i ouQrmme Rel.dorr,nutbsr, bra dakq so vein rot
Voty rights, h yW Ixter, gm u the k1a. rp
W-
htositati htoasa yaw rep and accord mnbr, the dollar
mount x die etrtpschaaa?or a dsaalpdm of the error
and art mpaatim H poselbfe, xvary You be New than is
m anon err H lou nod mats mmnstlart a d-dptim of
the hen you are tateur bdhn. You do riot hem to pay my
aaahre IInlgpsim v*A. is ass khmatlaNrto h, bu Ycu
h sti1 h-WHIG wiay ft Perot of W_ thl8l(m, we cevrt
nippy a tab sty sedan to alert the
t,t Special Role For Credt Cam Purchases
If you have a problem vAth'1W ¢alty of property or
servloee 1Wt you writlt • crash c d ad you
garsct e pto6lem vath pate
hew tried in 1Nfh to th
mecurtt, You may Ww rip rigs not to pay the rsmaYirp
scom my to popery err rrMpdm ww ~memmthan
sand Mr prdaotW pNCrp'nade in ytrx her ante or
00 nio W YOUr address. Of vve own or
--p"aft to 11'"Chard, of If "d vm the
ad-rdsomew for ;:.::w= sa?Mda$wMor location of purchase.)
t Does rot app/y to cansnrter wow. & std eccwads
i Does ear apply u buheu ma-cmik eW -alma.
CadWeOM supporn kda esthm privacy protection: sae err
waDit x www.
can.
dam
Canhai Oro b a a4v =red smite mad; of Capital
total AWCEdhstlrLplaAmaOE off $0.50 will aWppImposed. If ther
padodp rato(a ialeaa tlrahm if160, wr vrY n6tract tfmst
awes flan the $0.50 mmiiman ad the dfhrenen wfI W
bled m the pudrr aep?wlt of apaua.
f ,L Ti t
ddmt is rvottdasses OW Firma or ? ? w qw-
2. A kveysirq Os1y Baleip Ihaim? Nwv Mdrspl.
a. Finance ceps Is ab1 W mW?InY Ate ally
balance of rich aopnatt of yar scams (0.9., ash
ed-o, purchaser, special vanefsr, and am" purchase)
by the daily periodic raoeW dirt has been
; mianlyodismslcpdsrd to you. At the eel of each
ve st you Z= dr?dallfyy i?rlace of
saOrnrs. Than at the sal of the hin0 pabd, wo add up
the raedm at dueset d?iykrdaMia o to smm x each 9 We the
p rb bpmhh ...g aphwa to err at the turd Mm* '
lkrnee daps for yar aeewrC To pet the ddy bNnhce
d take the begninp
for sac h sepses of Vou sc&W aM co mM rwhoy
en ? tlrNs ablated m the pmAan
days for drat saprra. We then subtract rW
psynwr or credits posted an of tot day this are a10aad
m the sspmera. This gpe u the separate daily baler-
for each saorwn of yar sco mstL Ho=in osld the
ovwh m you pro view imI (a
H you row balm was zeo or • daft amass), row
In ..IN. which pox w yonr pi , or qud@1
ptadraa sspiwas sea ran added to der daily bd.- We
ds
calmdaus do average by ih d&V .1 the belnras upedar sad 6v1- the u by 0. f
me*. of
the days In the snare belrp cycle. To rslaOU Vote told
firem paaridarfaosmambm/?ybyymr averaps aN Wlant• M the
pebd.. u raMm m?i Y ' tfa -jy
alga vrWns between this colo lalim and the amoua of
frier dwae srnrly aasesesd
, 6. If the cede Y err N appesm m err fiam of IN. amteman
1, mdrav AppNd To: we naetiply the
..a ....t...,...,w rw t?..e aarruv
Ympatatt Hollae Payrrrne yes coal u 1W21 W crsditd m year atmun as o1 the btaktese ay ors nom ft, =dVId (t) ym seal the boten pottlm of this matamsm and you deck
h the srncksd nmhttrca awNaps ahd IA Yam pyrm«n Is hecdvd h err pooss!itp owns fry 3 p.m. Ei It t mm Pf). Photos allow at least ton (5) buMa days) to postal dN
Paymems halved by u at arry other kmas a inarodwlagmymmaeydrot oo cnmd p of hM ay wa Halm thorn. Qr butw 4ys an Moray riwgn Sehed wdudhp hoY ys.
a a ?u I Vndnsck 4 N === to d aMcb M yywou sad u a drekW, Yw aNwize u m make a anrtlho shcthaic trsMsr coal ham Your lord;
raised dakip the Dikq cycle swat It seta by aarsw on. It we scoot Process the utartehr, you autheri:e
os to make a daps apelrr yam bed; accord sip the check a paper draft or otter hen.
Vl W KWF
Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
C --X
RoftJ
Account S
Previous Balance $544.14
Payments, Credits and Adjustments $100
Transactions $63.10
Finance Charges $11.72
New Balance $61&%
Minimum Amount Due $111L%
Payment Due Date June 23, 2006
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your9mice
To eaB Customer Rda6ar or to report a ]at or r[ola card:
1-800-903-3637
Send prymenu to: Sad iwfti to:
Attn: Remiehna Proeening
Capital One Bank Capital One
P.O. Bas 790216 P.O. B. 30285
St 1,4u6, MO 63179-0216 SIX, UT 84130-0285
PLATINUM MASTERCARD ACCOUNT
5178-0524-3422-1020
APR 24 - MAY 23, 2006
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 23 MAY OVERLIMIT FEE $29.00
2 23 MAY PAST DUE FEE 29.00
3 23 MAY PAYMENT PROTECTION 1-888-527-6904 5.10
You were assessed a past due fee of $29.00 on 05/23/2006 because your minimum Payment was not
received by the due date of OS/23/2006. To avoid thus fee in the firture, we recommend tbat you
allow at least 7 business days for hour payment to reach Capital One.
Finance Charges P/eme w rewrfesidef r imtwlant inf rmeW on
07 Bd~.e, AviWk zi
?t
m yplarrt our dPR
PURCHASES $550.74 .07096% 25.90% $102
CASH 5.00 .07096% 2$.90% $.00
ANNUAL PERCENTAGE RATE applied this period 25.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 5178052434221020 23 0618960050000118962
New Balance $618.96
Minimum Amount Due $118.96
Payment Due Date June 23, 2006
Total enclosed i
AccountNumber. 5178-0524-3422-1020
Pfe-pnatdier.A-.-e r -.gkl ,-R-k auk
9- Apc t
City S- ZIP
Home Phone Alt w Phone
#9014409938399571# MAIL ID NUMBER
KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216
P/earev iteyw amount nwW myore chick m tummy mdn mmkfoyabk to Cafdtd One Bank andmail is tdeendwedenwl#a
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e. Draw Purled You wM Mw a mWnaam prate period of
26 drys riltltou frunns dome on now purchases, row
belptm brrfen, row spo«sl Pudrses and row opar
Ch. R You psY you meal 'thee fWance', I.
pMrenm below,
ardt r f« It m be used[ Naics W for rr pristrant
you
nioakp dens. Them b ro yaw pried m each advrtoea
aM apdal vrrfsm. N adddtt, Utsm h no Brace Period
on arty ttantueYbnt if You do rot pay the
meal 'Haw
btrra CMpa, Trantsactitr rNlrh aro not
b. AwNrp F a
subject to strains prod an snowed 1Nrtm dtpps t )
bar tlr hb oT tlr trrradon Account unto the dam du
trr
rsctlon b the m you ud «3) from the
$rat rJtdv day day of r the ansrl psniod AdaUOrtry,
if
if din rat POY the 'New Balance ??btn the pmlar
Clap Priori ri M, Wtrtnee dJrrpr corabaee m Oconee to
y- 6alrtna ur4 Ur tripaid
upstd balance Is odd in hall.
r ra mean dtri you may aUp owe 1<nsntee drnpw, awn R
you PW Una aldre New 8drtn bdkimd m ds fmrc of
VW, pOmnrwt by do rind au[rnrt cloabp dins, hu dk1
n« don for the pmvlar tnansle. Upeld fNSrw dtsglw
are added m Uee ?ppuhb sepntam of yav Aotout
'inc. IAninnaaw Fbtpnsa CJrys. Fa wch Wpnp period tlut
you anoout h m a lbtsns din a mhiman
renal ila41CE CIgNe}npaaE?laWr pw_so wa bapep?prp?otlwmd Nytahw
perbae rstsW is lei tM 10.60, we x41 inborn thm
anrut from da 10.60 rlrlnnnsn and the aflrea. eel M
bled m the pudrOS aOpnsn[ of atmar.
td. Teaapr net ? RaArtlon ...see any bin « r ad An fNroOtis caarNbpe. for ar .ny Us yam
apt mprn{
2. Axraps bay ,show 1NN:T:..
a. Rntrnas dope fe
ala/artdgyNp Ur cry
balrtoa of aOdt wotwt (sa. eaM
vw apply the nFwlodc sos for eadi
toraan m din balms of sadn
ihe and of the bMV period, ive pin tip
nrlo nom aatlt -F rnrt to arlvl a the total periodc
limes tl for you' pa]Wt. To pri Ur M balroe
be aa r, er w M p each e of you a and add anymks tlr 6sdrcAtp
pwbrd DNS nlalstod tMm previous
bye bdroe by Urn as(Frnen. We thin OW[ma any
P.= «cmah pmsd w of tht dry Urn am Nbamd
m dint aepmrt Tins plvw w tlr sepsram cry IopWalua
Bh.n. din ll m l:,. W ens wllationif Ian fir dW
If year row bW- rma zee or • raadt ,meat), new
tferseUtee wNdr pees m Vern pudrss «aP c
c ?Oe amdrroyt m dn. rbalances, ale
belrtaee mpedrr and aNdrp the rm by the nartsr of
Ua days I , If dine sp curt flRp cycle. To calclam "m cord
n y You aveeapa boleros by Una
dry Mode nb and bym
fNpai npnbsr N Ur F
Period Ue m mtst4p atlrdory bob, them may bs a
=: de nce, betwern Uw Calculation and do amapt of
b. If the
Dods Z or Ni{psrs from of the matsnrn
rind m 'Be,mrts I. Aooped To.' wa mltldv din
pen c rata. 10 obtain the awrape dry balance for the
covered by tlls riatrrtaaN rd, wa mks Ua
halrtea of sua?finesMeQnerd doY, adpdayrmrymtrew
ar cP-k- next m' cods N apps coq and eLbum on 1M fionMof Wa a
atriettan M- Ram AppYed To,' - also
subtract airy rapid /nanoe Burge IltrAnded n the balance
of win wpr?«?.1 Tina Aiwa u tM y balartro of each
wpnem. Tlent, ws add== tpr /M asdt
;E. balaroea t«
mal
Mar of days Ewa u the
aver espy bdrtm of eadt
3 aepnmt.
. An..l
bat IAPRL
TM term rm 'Annual
a. :r. a Rrii may appear as
'API' m tM haamem.
b. If Ua cods P 1Pdmal, L 13 mo. LlBWO, C (Cerdf cam of
Dap"Ohl, «S (Bstloeand Plmd a= m the from of
this Nrirnet mad m the priest wow, the
prkdc
rata and ANNUAL PERCBlfAOE PAM
may t'rY ¢rnMy an =W aasae of decrease based
m the seared Ndkµ ?rsN The WY SYrwr
T)r.s d?an?paa Wt D afhcM m da of
in Q pstlad amrs, d by ytr palest ramment e p
in the ==F Art ,kly and OctaDr.
c. If Ute (M . LNIOID « O (31mo.
„ ;eammhpdcedmM »FI? ?ppeas an tM tr«n o} Vain
Dtlosc ramW. Us padadt ores
we w Ofmtllw m rite arri dry of you blbp prod
grit mart.
0. Aaasarart of Leh, Overfmt and flaband ?an/nrt Fee.
You account xM be aswwd no itione than two of the teas
psmd hem that =t=ear date pry biq period Under the
tams of you nwnonaar epesnait, vne rowrw tM ripm to
wdw or nor h asww pry fast xAthpd prior notliudm to
xlthan rreivbp au ri?n to aaww the eame «dmNar
ri • Istm time.
6. Yana Account. If a ntembsrdlp hro
sppwre m iha heat of thb striamrrt, yn haw 30
coq from tee dam tins amtanam caw mined to you m
avoid pyNp the in «m have such Tee created to you
if you tanow Volt account. drbp 1Na period, -my
continue, to nee Your
acoaari xAtlaul MVNp m sty the
memMnaWp W. To rental Ye+r searri, you moat
roUty u by ealanp ar Ostamer Rabtims Dgtanmem
¦nd ==p=-z ==-y
end of Period
e. M You Clean Yee Awprl. You exn reg11ea1 to claw
yytwa ammnt by c+Obp at (]stamen Ralatlar
.ccou ntmnd. rw Hoot deriroy Vat erect tad(s) sntd
acmari accoea dtsclu, fsnod r pnasuUOrizad dNkp,
and nxaN uakp yra aeotar. If yes do not canoe,
hYWtp an+nprnema, p vat v.1111 onside,
rps yet aulnrizatkn to mapn yax
a(xotrL Addtl.0 yeur account vA n« M aloaed
V peaePay r arrtanatls Vert owe u bdtrdrtp: anry
psymrU tau, Halt
advance tnnl Par
due s i snu lees and owtWtdtam/ Odaf ku roh
laea asOSased to Yonr
=1=41= tp
o re I Uf ird yyaoup ragtnato to
row the account «IMy are Harrod anosegteem m the
account. dt?arapo=t nbo m you scam ant m y =ft N
-f you anntltorized
neatw Ua tprxrn from a mmdwt and we
Ors nrnardtam atmr Vert
dm.L aemu t has been you aa:aan tMp be opened, meount of " charger vA be added to your account,
amndDS rJrxnpMedto ieRyaamr?al* M, pynnond M them re[a 0
=d baLmmlw bomi Yt lothe fee will continue
ll a delrod, ur." d
7. l1aNp Yeu Aaeras.Yalr cad « account cannot be
used N anvtegiont xMt'arty Mmrot pembWp
treeraet=
8. Natls. About Faatr==01=. WpmNda • h.3- w ns dtMf m
us :== vow be make a onto-dm
dsctthhssMMf« 1mm ytr be* a«wx «m
nPrreNfomtstire imn calk d k mmnic
fur trwrar, halals maM ba Mildmr+n btn you bWc
acotatt ee tam r the lams day xe receive yar
prymrr, rd pea wM ntlt native yon dock back ft.
your lntantrlal Natlaafm.
Caw Of Fznons Or Ou 0- Abou You BIM
ou **W Your bl b -"1% or 11 yen need man
mutlan m a y or bill, wits m a on
a
ram ahari w tom r Or the addner for
Ales d- m t o of 4la suftam t. We must
r from you no hub tlt n 00daye siren we am you the
H an VA" fie army br pr=Npn aptpsmd. You can
ou Crrrrnp RdatlarrirearbOr, hu ddnp w vA not
emaut =."I W erpr, a ducripdtt of M am«
=nor: ==-= Po w ,, of wshdan? dtoollow, them u«Iptlm oft
per= N? ou do n« M h, bupY nV
arcdtpwm sty thl perm af?tMt aro mt
In WWNinkk tae Nwrwm yes geeadm. we fanner
?y?aa?drl ?tpwrnt «tals my sctlan to atxt the
$,t Special Rule for Credit Card Purchases
If You have a problem with l Gutty of pr=prty «
services *W you WN a crest nt and You
have tried in talon to l Ua prahltn with the
menlum, you may hive tnb lplm rot *y =:"n,
due m Ur wpny « .ervAaa You Pmtadkn oNy l- tM puNir?ws pky wus nmm can
160.00 aM tin purcJrsa x)a. mrie in your Mme mate «
xitHn 100 tripe of you fit addrer. Of we own or
aperne Utt tfnerclnrtL «i1 yes meRed You the
adwNsan«l for
Us rapalty «Oarvicas, N Wrtlrau
era eownd fepsNawPof a?nane «k=sUOrn of ptrdtaas.)
Please reraniber to aigt r arroapatdma.
t Don not apply m oomunfp -w-W card adepts
i Don not apply m buakme non-deep` -d=tarpfs
0M supports y.?,?, pdwry Protection: cow our
at rrww.captialuNTjW?m.
Capita One Is a t y redirtermal service made of Capital
?i orm al CorP«aUm, A d" memyed = 20(* BAK
N trtf? you min to u xM b cmdmd m your aooaan u of din buaixu dry rye realty h, =d
ed () you send 7M botmm prtlm of tins atatatewrt andyoucMck
anwhp antd /2) Y? Wytnm h ropivad N ar pogrirq caasr by 3 P.m. ET (12 M. Phew allow m kaM M1po( 6) bnwb ras dsYa T« Postal doll
vuy
Payrrtama received by u at any oMr bcalan «in arry rMr ton may inter W CM-ddl as of 1M dsy wa r=- . M. Qr Wabraa bays am Mt Utroupb Satudserskdrp hr4ys.
Kautt auptNao{ r sec. wltn pfapsrtts Yew pOymrnt, WMn Yee send w a dsckW, NS ahcb«ie 1ranNr debh your bWc
w m make a din rye against your bantk aooo antun ulkv tarp m the nine apesck, a N paper per drab « other 6 retained duthem(rp ft flpkp cycN evert N sem by someone =bs. If vie wmst pnocws ore transfer, you auVodze
.
l o W KYFF
Kee our
rnances it
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
CIO W
Account S
Previous Balance ;61&%
Payment; Credits and Adjustments ;AO
Transactions ;63.77
Finance Charges ;13.79
New Balance ;6%S1
Minimum Amount Due ;196.51
Payment Due Date July 22, 2006
Total Credit Line ;500
Total Available Credit $.00
Credit Line for Cash ;500
Available Credit for Cash $.00
Atyourservice
To aU Customs Raadom or to npat • last or stolen urk
1-800-903-3637
Send mnseau tm Send Bwpiria to:
Atm: Re awm Prooadng
Capinl One Bank Capital One
P.O. Box 790216 P.O. Buz 30285
St Louis, MO 61179-0216 SLC, Ur 84130-0285
Important Account Information
Take cool and start yore bill onlim for free.
Eliminate the hassle of"ung check, Ending stamp, and
sealing envelopes. Everydib g you need to access review, and
pay your bill is available online. Our website offers you a
convenient, ample, and secure way to manage your account.
Visit www.capitalone.eom and register your account to cart
simplifying your life today!
PLATINUM MASTERCARD ACCOUNT
5178-0524-3422-1020
MAY 24 - JUN 23, 2006
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 23 JUN OVERLIMIT FEE ;29.00
2 23 JUN PAST DUE FEE 29.00
3 23 JUN PAYMENT PROTECTION 1-888-527-6904 5.77
-You are a valued Payment Protection customer and may be eligible for benefits to be paid to your account in
rues 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 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 06123/2006 because your minimum payment was not
received by the due date of 06/23/2006. 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
N BAf-ra(e
M ?yt?Ja)
PURCHASES S6%.52
CASH S.00
ANNUAL PERCENTAGE RATE applied this period
PLEASE RETURN PORTION BELOW WITH PAYMENT
Pkarstcr rewmjydsfor Imfortant iirrpfo varm
CHAR
7096% 25.90% $13.78
7096% 25.90% S.00
25.90%
0000000 0 5178052434221020 23 0696510050000196518
New Balance ;696.51
Minimum Amount Due ;196.51
Payment Due Date July 22, 2006
Total enclosed ;
AccountNumber. 5178-05243422-1020
P4srpriorJiar rizeyrr k6w-mrk1 ueretaek uek
Sneer Apt s
City Sam ZIP
Homo Pdooe Altem.te Pb..
o#9017509938399575# MAIL ID NUMBER
TATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216 ti
Pkau vaiteyoav armnnl nrtmbe on yoavcber4 m money ordn made fayabkto GprtaT OmBank and malt rn f6r endarcdenzrlafe.
r
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8
0
0
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m(nkman ==, of
ew
laph m rrw d rrw other
ar
Notlea tar -11Y below,
aoaarp rare. rroro r ro pace penal m c19h adwm
aid ta
W irarWas. H ad pram pabc
irarhaxllan you do ro M t pay tM total •New
many
brr es.
b. AsrelnM Faelaa gtaps. Traraaactlar Witln an nob
rijart m ¦ po gelled r• asaesd fkrros drgs 1)
flan Uet dw a gr urraedm a >) ham gr eve tlla
Z:.sctlal is proasd to yet Armrt or 3) ft em the
flnt rwlmder dry of the
anal hip
Pe" AddYNrlry,
H you dkl riot pay the 'NSw Boerne has the pwlas
youur upheld brrri well %unppdd balrwe N paid In tr.
leis rrtear tart you m. Mead ac swan H
You MY gee amfie Now BaWtm
root d". Nr?tltobyprwirr momh UrpYd irrrad-dwOss
t aq addtd m dne .pphuhN rpart?p ? ?
c aril... Fktrw¦gQOr?tF- fa ewfi
marl FPMNCErg ?oe
rpMsli?odfr?0p0.60i.M bapop-atlmpb your
paNdo r- dNlew 4rn 70.60, wo wY r6tn tlrt
amour[ fiam to 40.60 miriam and d* 'Iffersece Will b.
bMd m tM faadrr ttpr-- --1c W--.u t d. TerpasR mw In ikrlr O We resr r the
ddt mp not MyodHire ormea s 1re YaYMrt?hrlu d% desrgr for anY t7vre
2. Ayb k. Dr W MnO tir d.MV
a. balance lilac N u1W W
balance
ad- of apnat d yor trrrlerr W (e. ell
a. Pumdrr, [pedal , ad ad. precim)
IY = ?Y Paddd rasra? gnat Ill bean
provfiewiy m you AI tfq ad of sale 4rYlo
dme blip prbd, we apply tM pedodc nom each
egnrt ob yet accent m tlr burs of sale
tepaem. Thrl at gr clad M Oho pardd, we add up
tlr rrr keel Ohre dopy 41a}siar m arrive a
we &.
has etdh?? dw at to walpe petidc
flrnarecs ayrrps bola yor aerator. To 9r the dry ballets
for sale aaprlam a your an>mae, ws her Ure bsotemirho
beirnes for each -F -.t and add aarrhryy row terrtlar
and arty }rnreo rrirpe rslolsted on the pmvfas
days bf tier seprwe. Ws gmerl aeerrset
la Uke gw
"Id by this "=M
of sah aepnram daY. add mY new
de ssOtrm, rW wbinet lnyoi tl ?
Code li appet al Ala
hw Append To, 1 aNo
Brr Rate
id }tethe dirt Ydttdod ' ed In the bslarea
woom forte ti tlMnp pawdodrard dM6uby ArrmW r
maw- of did In the biNp pedal. lei taws w the
a ddy brlncs of aver teprra t.
3. Ahead Itrss fAPRI.
.. Ttr tam •AmnW Wr4ntaa Hat: may appesr as
y w
ma 1M
an
ors Carl
more rani
adys
kno
auto""' nM m me
and orroaoy AN prrrrIALrrPEflfSifAOE mtep) gw TBBmanty19
oaedrw
wry rsWmayMYrxre a doasre bard m tM
the kmrfoet, r food N TM waa Strest.,brans4 Pkw
the nestle pwnloury el U You. bMk rllun}ea
vdl M siNedw m the tat }re daY at Your biiq Dodod
4. Ass semert of Lela, Ov~ and Returned Paynw t I -
Yor a=oa m vrr be aateaaect ro mon them two of to ism;
Fred -=- tltakp arty bllaq paced Under the
tams of yatanlar agrasneerd, vro "claw tM dght ro
wale a na m alas army is wlthaa -do..*n to
you 1Mthout walvinp our doll to aces eeme or alml
Nr a • Nqr time.
6.tHagwkV Yrr Aomat H a mambsraltp fee
alaprq m the from a gist atneman, you Mw 30
dsya from tM lets gad raannam eat "reel ro You to
l
yoplyino des foe a r Mw able fee r;rodtad ro you
t
f You eao yar aeeean. Ourkao gas vice mm paymthe
tacker to use Your M
eeoout 1Mtlnor
mernbsralip tea To
. To anal }au sccalre, you mtrq
nodM fry u11Np or flrtana Nelatlaru DaPsrtreem
nil ply y Ww Balers- d fill Ieadudreo tM
"amerce fast) pdar to thaVsrd of tM tNnyn paled.
8. N Ywr t7tst Your
Asawnl w =se repro to cis
yyoauurr accoum byoumane deslrey uip as t]ayronlar Rragerw
0epanmem. Vea audit ad) and
accent 8=419 d..M, r WccN tMdzeddbMkq,
end =.,. ing yw a?wwd. If you do rem 4rmcd
Pma ?heMO aRereoarma, we Wo merdar
rye your cuMd:atbn to reoprm your
ccatat. Additlmry, your ee4ue wM not be lord
ur ya py r annorues You oho a ktkrno: any
du SON, O you I& autlraDtd, }rnlrnrr darer, plat
des bees, owa}rmt fs, nettarlad paymae fs, Cash
se4rscaeonce. ta You r a an nd arty r: to yor
rsapa+arldblt fiu term amours efilar vdwther
==( m you cuun a to Wrest ?a request to
ocoum a tidy Ore Yneurod aWrgtpt to
Val regnrett ro cis 1M aec4lnt. Tab may malt b
dlarp19 appesafiq m you accent afia you Mw
yar acaumt H It
has ekpsdy boon domed. For awmple,
If you atahodrd • haen a nedwe clad ha
ra .I- the 9:!Lsn fdom th mwrdrt !fw yar
acrsre has boon-yar aceaat mY be reaperlad,
1M tyyoaoluuant of 1M WM M adld to Vor accord,
rrewrlberrep Tss for yor?ao
halsrtpe 4bru , tM fee fv cmefier
m ba drrpp0, m bw aepm by Iaw, rr the
aaant h" b=ah m fuA ss ds?nd above.
7. Y- Aasaeae.Yar( um a arxent Cannot m
M oralaLtbn mrMh any keertha pmMkp
S. NAl- About EItAeNNa Qlgsk Rtwaslat. Wlrn you
provldt a drek r paymrt, ya artMrbs u eltMr m
alas Neforrrntgon from yai drek m msb s o .ama
eiedtaic Mel aarrftr teem yw hsnk aeeant a m
proosr vela pa?rw?[ r ? deetlt trarserat When vro
UW uwdfw, Reds yaf tlrdt m nlelrs en aledmrlie
my be
vAddraam hem yw bw*
aeoaae r raven r vela skins dey we reerw yar
pa?rd rdt raWw yam tlrek bock hem
BIWNO RIOWS SUMMARY
On Cs Of Ergo Of agala. Amur Your M)
If you 9** your b}I N vraq, a H yoo need mac
mTarnB}m m a gawlcdm? a hid, wdq ro w -a
sepawq figtt es seal at pbalrls !l 1M adds fa
hear from thorn m 7 Om 180 d1 a a. We mart
her You m, low thr W after ar WO rro tan you the
int bill on vdieh
ou un
.a a Uretowlar tM error ?r pN,-M7 appesrod YvA
pareearrw Hdairr b urial, but doing r rat
f i}arc? rdtte N Ys+r Ietesr, stw u OM kllovlito
I yalr retraa and acoaat er, Ur * em
anneal o1 tM eaatpe=W ! dsrpi"m of tM ere"
awl r gwwdan, N d vv.AMry ya blew Ohre as
an error; a H Ya lied fieforaiore, a datedptlon a
gla hen You aro q d abbr. You d. not Mw m py airy
amour d quMNn wtaN vey !ro ".vf trio h, but yw
ro aid q p!y Wns of your bN tMt aq not
In 9s we hvrimq yar preaYm. we
t trot
report you r darmpre a q anM action 10 CaMM the
am=en you Yllaadon.
t,t Special We For Credit Card Purclumes
If you h vefive a graderatdwed vdgr 1Mwlde Cad and *a crWt of property ayou
ha you pt?.
Mw u led V good ialfn m eorrary gne proNsn v11th t w
metclee, You ray Mw fh4 dstn rot lo v the emrakernp
amor=e do m to paper Y rM4e You Mw gq
peoleNm aiv wlrn lhs pees eat men then
760.00 rd rr prahaaei made in ynxn lanr stab a
vM(in 100 rNMt of you ON addror Of wa own or
Mmad the mardntrmt, If ve nWed you gr
? IN tMp a 4" r
. of aMrvnt arbut?oreof purdrr.)
are rnvared loo F"w
Weses rmenber w eipn r oaraponwi.-
t Does nnf apply to orrzmrrer nomcme card loomW,
t Dona not apply to b-base --votflf cad accoraua
pdocy prodalan: tes our
red serve mrk of Gphal
Ms reserved s 2003
01LOLBAK
psymertt a aedr pored r of that dry gust ors rooted
m Uma teprrm. m stvr W Una rpnao dry bolprredo
ealrereowvnr m pur ender trer?elf a irn h/ (orb
I( Yor row babroe w zero or a cnmk amerl0, row
trartssetlorr vdich pat m Ysur ptudrraapadal
r tlr wau atdrmyt by %1y," a}"d
ran bV
bslrn=at taorr and drNrp tM tM nneber of
the d=ye In gla =big cyder. To eraYq yor tad
fironce daps, your evaa0s dry bells by tM
dry nom and tM mrr6ar of Jaya d the be .
p m rol.ndrq m . dry bad, 0e may bs
di ft wdrre bttvwan Oft celetabn and the amount of
tkebt Chrw tally nrearl
b. IT Yne ads 1 a N apparn m gr hat of Wt ttaaoent
rod m •Brrea Has Aored To • we mrMldv the
del ==-.= to ue rAI W uedted q your aapm ae of he fludrwa day vw rsalw h, pnNdsd Il) you tad tM =rd
on of tNt ataame a ad yor dxwk
and 12) your psNneni N pxdwd In or gasatkq Came by 3 p.m. Ef 112 ncm Pn. Rrr aFow a 6) bwkw19 dsya to, rlNwry
PaytrorY morwd fry w a cry other loca0w or any ogee form my nm be Mw as of 1M day vw gale them. Our bjWnm deya an Mayday tn% h Smlma . aPo" MiNp.
ado s alp, em. wAm pogdrq yorlQa Whaf you sod w a arckW. you Mlodze u to mks a cme•tlme centric vaahr MNt jam yet t.
drb Th c a n usknp tian appwa a Mrcla recdved dlukp 1M burp cydo soy it wM by someone ell. It wt oral Process the trarwfer, you autlrdze
w to make ¦ dirge agrat your bra aror utl 1h. d-*, • paper tkah a odor item.
CapitaloW KYFF
Kee our
Finances Fit
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF-1001
cl?
Account
Previous Balance 1696.51
Payments, Credits and Adjustments 1.00
Transactions $3520
Finance Charges $14.98
New Balance $746.69
Minis mfu Amount Due $246.69
Payment Due Due August 23, 2006
Total Credit Line 1500
Total Available Credit 1.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To all Onto- Rd.6- or to tepon.lat or stolen card:
1-800-903-3637
Sendpnymeotsto: seedinquiont%
Attn: Reniat- Proawing
C.*d One Bank Capiw 0.*
P.O. Box 790216 P.O. Boa 30285
St. Louis, MO 63179-0216 SLC, UT 84130-0285
hnpoItant Account Inform160n
Take control and start ppaayyinmgg your bill online for free.
Eliminate the hoed. ofwzidog checks 5ndiog stamps, and
sealing envelopes Everything you need to access, review, and
payyrna bill is available online. Our websise offers you a
conwniem, simple, and secure way to manage your mmum.
Visit www capinlone.eom and register your account to start
simplifying your life today.
PLATINUM MASTERCARD ACCOUNT
5178-05243422-1020
JUN 24 - JUL 23, 2006
Page 1 of 1
Payments, Credits and Adjustments
Transactions
23 JUL PAST DUE FEE
23 JUL PAYMEJ4T PROTECTION 1-888-527-6904
$29.00
6.20
"Your account is 90 days past due and your Payment Protection coverage has been suspended. As stated in
your Payment Protection agreement, your coverage and monthly charge will be reinstated once your account is
no longer 90 days past due. You may still be eligible for benefits to be paid to your account incases of
disability, unemployment, and death. Call Consumer Membership Services at 1-888-527-6904 to see if your
situation qualifies for V. claim.
You were asoeared a z: due fa of 129.00 on 07/23/2006 beause your minimum payment was not
received by the due date of 07/22/2006. 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 PAwm"reaerrersde for imp pant i
x,*»
s
ri
o
on
W b ? -7
-1
?
*,.1
l?
s
?r
1 Vl"lAl(4
PURCHASES $703.72 .070%% 25.90% $14.98
CASH $.00 .07096% 25.90% $.00
ANNUAL PERCENTAGE RATE applied this period 25.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
0000000 0 5178052434221020 23 0746690050000246698
New Balance $746.69"y'"ea?YA°bQ°`°°°``M
Minimum Amount am $246.69 $ Apc a
Payment Due Date A" 23, 2006
City S" ZIP
Total enclosed $
Account Number. 5178-05243422-1020 H-Phone Alw wPhone
#9020409938399573# MAIL ID NUMBER
KATIE BURD
Capital One Bank 1198 SHOREHAM RD
P.O. Box 790216 ?111111111111111111111 ^ CAMP HILL PA 17011-6135
St. Louie, MO 63179-0216 c i
P
IIIIIIIIIIIIIIIIIII/IIIII/II111IIIIIIIIIIIIIIIIIIIIIIIIIIIIIII '? IIIIIIIIIIIIIIII IIIIII I III I III If If I'll HII I I I I I I If I III I I III III
Pl-e wdeye a=sovt na idw= yosur dkol a money order modepayabk to Capital one Bank and mail is the end u d emudope.
a1o>_
1
8
O (tpk????
N O?
1. Now T. Avoid A FYvwrr.Chro.. prbdc N. To obtain to awraps daily 6dance fer the yaw aY'0111t if k as been closed for eranpb,
t a. 8?aea Paled. You vAI have a mkilnnam Paco period of
s whhar tkrrm dra
e m new
neW
25 da
hadhaaaa
ebmmem rw ub the
Nirq covered by this
balance, of each accord eat;n dry
add any new
If you ndodzad a from a mrdlent ant we
m[e(w the trrrsedrt in.
msndem afbr you
p
P
,
y
balance vaaafa-, row aperJY Pudrses and - oMx ,
tranwetlam to sae second ant rbuact airy gy?nerrte octant has, been clue.4'? you Borax wi b reaprwl.
rings H you pay yaw mhl 'vow, Balms', N
you p y Y «credits, (If the coda N mars on it. from of tlia
T
ri
'
li the sonnet of the chorye'wi be added to ymreceant,
f
H
h
b
nt
11 b
l
krpanat Notice for paymams bbw,
aocWrWncs
and In time for It to be aedmd by yaw run arman d sta.- M nett to
Bravo Bra App
o: va
ot
ed
sxbtract sty ulpaid finance dupe krJtdat N the b.Wrs e mapona
« psyvwu.
t
ere
a
a
?e
yvu w?
mrrostrdp he for yaw ms fee ma amore
doakq des. That h ne pace period on rah ad- of each se?tera) This gives r to daily 6Wnte of each m be dwoW, m die exi ts permitted by pew, u d! Vm
=d
ad apadsi tnnetsna h addidoh, tlwa In no grero period -.porn. TM, we add rip N 1110 ddaNffyy balances for code
paid N IJl u dented above.
daunts Iw beef
m any tnarrsctiort H Your do rat pry dna tusi "Now and divide by the torsi
aepnerrt for tine 6MYng = 7. Wky Yrr Aeawad.Var, urd or amount cannot be
balrhoe.' raimba of day. I tiu T. give- us tM
Pa. wadN wrseckn win erny kMemet gaMlYng
b. Aaaaiq Fires Ohahga• Trartw9ene avindt r not ddy baWnce of each espnwM. U....d e.
ar6Ject m a pate pealed r recd lire dhrtp. 1) 3. Amsd Raft. (APM 8. NWNa AbrA fleafiems GYhaok Caw?Wn. When you
fire Ara data of Una transaction or 2) from the date the a. The term 'An-d Peroasags Rrti may appear as ea psymMtt, ym artlrk-rat -Ith. to
pmNd- a deck
u. naadisn M porased to ysu Acmut or 3) from the APR' on tie from of Avis statement. h
ere NhnneMn ero yaw! check to rb • O *.d-
Brat aWnda day of t arum birg prod AditlonNy,
c
: b. If Ae code P (Prima), L (3-mo. LIBOR), C (Cemfcate of electronic fun tranahr from you bank accara «m
Hyou din rot pay Ana'NSw BaWnce
Ae PmMou
k
t
t
l
d h lei
A
d Dq.WO. or S (Banwrd RktW ypura on ve fiat of
th
ed
t
t
m
t t
th
i
di
t
W
{
thi cocoa tlr papwtm se a deck transwil . What we
vl deck m males an decirmie
rhea krfrtrrtlen hen
1
rrpa arM
ate
o scant
o
bikq Fow
e
.
laftee
Wu unpaid haloes uW Ar rapoid 6alncco N paid in Gl.
if s s
a
eroo
net
o
e per
o
c u
o
,
e p
p
e
rata and opro?a?3q AN(IIAL P@N81i MTER
N
d
Y
d
b
d p
fun trarisr, ft=V
nds maY bs vdtldnwtt from y" bads
tl
d
N
Thin mart that you my ski awro Nttrtee deeps-, own
tin emhro New BYrra idrared en rile from Of
You ray wry 4rn
y an
troar «
srrsns
msY
ase
as fond in TM Wif 3?VeN
an Uri autad kris- satwt r seam r
r a?rrs
ay wa rse
ys yvu
and you wM rat mcaiw yaw dtedk bsdk from
prYtnert
pay
1'ohr aaumern by it. next staranart doNlg dew, but did ,
Jaws.( Plats tit maryn oroNdry dsdord m yoLL .
your lkerrLl kaamaion
not do o for rile provbt marsh Ikpafd Ar11Ce dnarpea
mvbm Th- tlrrgn cola a w m tin lash dry Ol you
are added m tlr j=
=
V- Pabd mwmd by yaw Pa. nabmeM snoop BILLING RkWTS SUMMARY
,
=
to. hiisar FNeaw
fPeriod ttet
g
t
Ad
i*
b N vna monde Jaurty, qpN, .Alyy ad Octaher.
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i
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If d
d
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if
our bin h wvoni
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more
m tlinit
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o •
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tool FD14NCE t]
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e
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re co
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y
y
y
conks to u on a
Niosnagon m a traeactlan pr 6N
a
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e
stl
m
from
p
-
linancs,
pedals ramp (s pat 1M i0 60, this wY othat
utanar?matpapnnynmp t1N1ALPs MiCBII RPeriodic ATES matey
? ,
for
k>airbs on Yie lrsorn posell" Of Oda atata anerM. We rmrt
snout f . the FD.60 miimm ant the differara will he
d
f vary r
i Y andmay krona « daaore bsed w w
l
d h Th
W
ll Sf
a
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k
d kd
t hear fmm You ro iota tan ?p derya slaw wa serrt you the
B
wH
h ril
area or
rase a
oared You can
t bin
rr sgnar o
tiled m doe ps
aasum.
Taspaay RsdiMfea n ii+rnw ergs. Ws reserve to
td cea, ea
ou
e
i
ra
maAa
P
e
sate
.
to merdn previously dstdosd m you. Th -e dwnpos p
pp
m
m
c
e
can eau Customer Rdsderr ?ur?
but ding ao WN not
.
dolt to not res any «N Rrwiee draw for any given
Mi
ri
d cove be et( - on tie Rat day of yaw WNhg period
aad
march ,,
ppeeaseervrvee yax ddnu. I. yours lotror, give to the 1dlmWnp
ou erne and ltcarrsn m oibof
the dollar
kdamagere
ng pe
o
2. Av=Oany BWee 1YeYdn? Nwv Plydwnl.
ti
is
l
/
W b
ltl
l
Y
v
dW
d n
.
4. A of Lass, 0,~ rd Raaned Paymrt Fr.
asr
yo
nt nIN W arreaaad ro more tlrt two of the tees y
,
amatm of to atpecW ar¢r a dwdpdan of to error
oaYge of corAnAyr
and a r at
larovm
ou hdisw tam
is
H
a.
n-rtes
rape
rs
o
at
y mr
p
y
tp
e
y
belanc?o of a.. h secant of Ymr s®ut (s.p, ant u accou
Loon, hero tat soave duiq any M &q pod d Under to p
,
p
y
an anor; or if ym need morn Inbmudm, a dmcdpot f
advao, puWse, spend trenrla, and sp-W pudme) tan- of your wtmer agnaamam, cos mrrve the right to m Pay any
to ham ym am urn bola. Ym do not h.-
tine daily psMdic nsmW tiro has been
p?mvlmely Z u you. At tM rd of eerie day Anknp
d wsiW or rot no assn has wideut pbr rnoANcetbn to
you withan wa{Nnp dint to ar® the same or similar ,
amerrn N
',# W sm N?tlpslkto , hkn
am -sill fed to y r pens of yw MR tai a rot
"
?
d
d
do baip period vve apply de dady psdadic rats }or ea
i
--posit of you atspat m tlr may ksirnu of asdn .
sepnen Then t to ad of to h?rq period, vw add rip ten al a Isla rime.
6.t'Ransvrkq Yeu Aaeoa'L It a mwnWnlip fee
eppsem m to prom of thh sutam
you hew 30 an, we carol
an.
in qus
we
nvat
. to you qum
nepal ysu a ddNnquentt or take awry aaisn to rngect to
amour you queadm.
the reaps of riles da
amaitbne m smut W - was,
dam honor the dale tin- amamaa cop mined you to
m
.
lain sprat. We add rp to
up
parodic Z
4 d
- avoid paykq the fsa or to aW wain i
ym
aed
to y,t gpaclal Ikla for Cmdt !Gm Pwdnasw
m.W
rawtks seprtrt to anniw a to tool periodic
.
. if you snood You rastsM. Dtakq fine s period,
eriod you
u may
In- dhanpe for yaw atrart. To gat Au balsam =;-e vk
km Yrhgnelri aq to pay the
if ym have • pe6lern vWl h the quNty of property «
for eaofi scoot of you eaavt, wa tales tlr tee. To caned You aocasn, ym errs aenvlcu tint Vas 'WAn a credit urn ad you
bsionce for each scpse t ad add any raw tmrrwtiirr
Ikn
rn
insn
dst
d
Ate
n-visas
d
f
di
l nutty u by calving otr Uroleraef IhlaMne Depanerm
ant
a
tin
- ' N full lateratdn
u Ne- hew tried h law to akrecl Ile prehhn vWtln 1a
pe a
p
an
ary?t
o
c
a
ee t
a
s
m
day's bat thrt -W s Unen aMrset shy p
y yo
g
rnamheraNp fee) pMdr ad of yr tNnydaY period•
r mmc rri, you may have dam right not to pay to semaNng
d
he
IN
o
vi
y
cayman « uadb pond s d tat day tat em aaoeaud
S. H You cl.- Y Aas .1. You un mgtrrt m dr ?qn
ou
w m t
Prpsrly ser
ces,
w
s
vAmn tlts vws mere van
k
to, tint sprat. This ghee u tine sspara o daily balance
for ash a
ron of
aw accent
l(oavever
if
ou
Yd the yeas acewn by eJMq mat t]rmel Ralationt
ou osdit pin(s) and
oa
annrm
Yo mra dwtm 850.00 a d p
Ae p?dnw made ?haM am:
N
or
p
y
.
,
y
o
lbw BeWra siionm m yaw previat -ralenntsnt in 6i (« p
.
y y
.. xcea- d-A.
canal all pmauls ft d NOV
H yaw new balance was, zr or • - amount), new
tfertad. vWidt post m yaw purdtse
d ,
,
end ear your aasuM. I1 you da rot tented
wt cola corridor
prsuArdzed ananganenu
?o TM metdem, er H mNad you to
adwNaawt ter At «earvieea, N ptrduoes
rW
pun*- ssgtats r not adiW m Acs dMy balarlas. We
l
ti
di
h
i
d3
N
he d
n
ti
b ,
recsipl of a caps Your aWtorizadon m ra
Addi
i
n
in
W
J
d are dwersd reg-rdss o a t or lmatim of pacase.)
pease renrarw nib to sign all owsap.ndsnoe.
ca
o
ate
n average
y
s
ara
q
t
e
y
y s
balrtu mpraher sari diM3q tlr sun by At nobs of accoun.
t
ane
y, you aaotst w
.
r
aa
teal you py N arano you mw u kndu -a any
the days h to arrant Miq gds. To alolam you told
transaralene You aw aA hodx.4 Arena dugs, Pant t Door noi aye, to oairmw s m cr*A cad "co"O
Amts dace, You swags rfdy bairns by the
roes and the nano a days h the ding due has, owriidt feu, roarned payment fat, cash
adwnc?e tat and any oAa W sassed m year S Does, not sAWY to business is-colt cad accounts
Duo m raFding m • dany W W, Ares A& W a
alit hronpat oil hatvrerh this rsladstlm and do e amour of axaaM. yo am roaparWle for tlnas anasMa wdaher
atsatrt n A o tkne ym eq rat so
toy sppsr oo N YdamoYan pivacy, goteNm: sae eau
n
ad
Awns drape -stay aras.
b. H Ar ands Z or N afpaam m At fiari W Ws salaam do" to adaut or nt o they
hero Narked stbseknrra m
you negirsl m dr Ae sawn. T
in
t may
rrww.braptsiar Pom
service milk of GpaI
isddaa
C+WuI One if a NY ?
era m'8siaes (tats To, vie nsitlply Uhl =
aft
drapes dnp m Ysu aoeasM er you hew _
moved a 2003 LEAK
Nhmenclwe0 PiamMnnWlaps ad you q«ym?an?n Nwd N err pocauktg wmar bey 3 p.mET?13 =en?lus lbw rt hen 1w d)- I obwkeu da?npw al dend?ry
Palmas received by r st arty pAa loeatim or (n my .4p ilm may not be odmd n of Ave der1? rw roalve tam. Qr ftakrw Myer are Malay AWou SW=
Pbas M eta tw alaga papeNr?oddpt,ettc, cone paMrkapgpgyosu w YYl1an nerd ce a dlaeYtW, ym atNtriu r m road a oar-tkns elecveric ttarrisr bads
Wwto makkee as dhao?agaMt yots bads sumo using the Grck, a ? draft a vow ryAq to kiabtq cycle evert if sera by sanear eve. If we cannot prase to vsinsic, yw aWnoriz.
CapitalQw• '057
I what's in your wallet? IT'S STILL NOT TOO LATE.
KATIE BURD
Your account is unusable. But, we can help you prevent further damage
to your credit record. Please pay the amount due on your statement
within 30 days. Remember we're here to help!
Let's work together to find a solution that's right for you.
You can make a payment with our fte check by phone service
or speak to an associate by calling 1.800.955.6600.
® 2006 Capital Ow Service, Inc. Capad One ha federally nutensd smwr mark. AU ryba reserved 057-07754
Account S
Previous Balance $746.69
Payments, Credits and Adjustments $.00
Transactions $29.00
Finance Charges $16.60
New Balance $79229
Minimum Amount Due $292.29
Payment Due Date September 23, 2006
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your servioc
To call Customer Rdatio or to report a tar or mien otrd
1-800-903-3637
Sand paymenu to: Seadisquirierta
Aft: Ranittatwe Procering
Capml One Bank One
P.O. Baa 790216 P. . Bw 302$5
St Lad4 MO 63179-0216 SLC, UT 84130-0285
brwortant Account Information
Take control and sacs ?ytt?g yota bill online far free.
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PLATINUM MASTERCARD ACCOUNT
5178-0524-3422-1020
JUL 24 - AUG 23, 2006
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 23 AUG PAST DUE FEE $29.00
You're behind by five payments - so we've permanently suspended your cbarging privileges. 1f you don't
make a sufficient payment in the next 60 days, we'll charge off your account. If your account is reported to
national credit bureaus as charged off, it'll have a serious impact on your credit record. Please don't let this
happen. You can prevent any further damage to your credit by paying the amount due on your statement If
you're feeling overwhelmed. give us a call at 1.800.955.6600. Well work with you to resolve this matter.
You were assessed a past due fee of $29.00 on 08/23/2006 because your minimum payment was not
received by the due date of 08/23/2006. To avoid this fee in the fitture, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges Pkwesee reverresuk* importm d injoiawtwx
Ad ter Pa aI ?,, o
s?/v?ar rdr CA
PURCHASES $754.69 .07096% 25.90% $16.60
CASH $.00 .07096% 25.90% $.o0
ANNUAL PERCENTAGE RATE applied this period 25.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
Grp?ft 0000000
0 5178052434221020 23 0792290050000292292
P4avpiatoui!'ardhrn? r-nvldawgr+klswmi 6H arb/rk:rk
New Balance $792.29
Minimum Amount Due $292.29 Snsa Apt t
Payment Due Date September 23, 2006
Sure ZIP
Cky
T ??
otal enclosed
$ H
anepEorc NkmuePhone
Account Number. 5178-05243422-1020
EmailAddres
#9023609938399575# MAIL ID NUMBER
Capital One Bank KATIE HURD r
P.O. Box 790216 Islulnlslsllnsllul 1198 SHOREHAM RD
° 1
St. Louis, MO 63179-0216 o
N CAMP HILL PA 17011-6135
Itllunllsutlllnslltlulluuslslnullsllnusllsllululsl ° ? Intlllurllluuulltnllslluntllullultltltlttlululultl
Pl,-ariteyerrarmaata-ha rayear rba.I of moacy ordn makpayable to Capital 0"2"'k and"'ilia the endarri mwloc
S
t a. flaw Parfet. You WIN Mw i rrtidrra,rt gr.ee p.dod a
distill 25 lave Wdou frmrcs m row pudhare, row
brartoa vaynoouf«peeyrrw verist pad+eess seed row oa?«
a m wNh 1M=Ynpertrt aw BM..pe, in bebw,
and h time b h m W «adad by yorr nerd sraoenrerrt
doalrrg dm. The. 1. - psee psded m Coal radimmms
erN apsdY varulaa h you ad rot dlfrlon, Pay ttlmmhe mdse• Y
babr m paceMawparted
m any tranhredon H tcd'
b. Aeere
hom J m • - ing Fine. Trarnactlam wHdr am ,hose
period ere eessrsd frharhm dwge 17
from ri rive of ri trarrwi « 2) pour ri rives ri
traradbn b Wooeerd m yov AaxMnt «3) from ri
fro ulahd.r dry a ri artst bAap p«fo?
H__pyou.t rid rot Psy tlm'hbw Basal fian the•
b+hg P«Nd ti k1, dwD d ona to sc rue to
vase uo+fe brace till uag ri uwm balance ncroe Is paid in Ar.
TNs reverse tlr[ you msy wi owe awoe Ch.* ,even if
Mntad m ri Im¢ of
You Pry ri antlm tbw Bsirroe
vase aratenren W ri mad, w.rrnm dwFq rive, hu du
mt d se for ri preNOtm ntorah. IarpaN frtanos "b
am added to do appA?6ls sepnera of yw+Atxourt
t a kirMw, FAhama tlr s. For asmh hip period hint
parade a i:a Nr riser 10.60, we wi wLaart ihec
hi?tl m der pidr?ie?wmprFwiwt ? aynadr ?d brace w(11 W
td. Taa*aay RtlMlan a FArma olrga. Wa mewve the
dyr[ mparrt«o6..wa any «r fnw,o. dwrgr mr ny glwn
2. A bYw.g.?0 Div Oalrraa (Yririr? Nave laOrisel.
a. Rrterres =M.= Yrp ri daily
baWlce of yaw arcoua (al Ch
vw o?tg we appry whe Percac ram for esd
aeprr.rht vase arxmwt m ri aaarru a aadt
espnera. Than a ri .W a ri Period, ws add up
the raa. I of I daft ulatW«u m anM w each D telwaANr .arisewprwr to
fill at the tool pe?d?deri
farce tihatps f« vase arxcta L Tc gw ri dry W Wce
/or .arid aeprmm a yotw atxwua, we cake ttw bapirhirg
- Miami for each = ari ealoAeelrtwv
m ri
=
do pmNaa
d
f
ays
or dial
W
s Uherr r
any
IxaNNras ««erfu
ored r of rivet le
dmt am oioured
p
y
m draf aepnert The gw w ri sepenatedr y brerhca
eeprwaot aomrat lbweas, If you pig ri
M
b brit
vase pr
aa waterrrra
(«
If your rtsty halrroe vrN zam or a colt soncia ), now
irsraaiww Wads PNt
m vase
p
uda? a spelt
pad
nw
wo
ra ere
"
adtb
dm ri hbfy hilariue.
W.
ov
ralaat.
.wn.a daft balrro by .sang %.6". dly
rioae toga rd dNAnp ri sun by tlw at
g ri days M ri .rarer. th?itp eyrie' To ulaaam yotr soul
O dry ewe isOS aM die r ? bibles by dm
„ri ?
O period Ws m rawdrg «t •
p
diy baba rive may he a
to
amour of
o ri? between this NltalwWi erred the
911 aut
b. H ri Dori Z « Nipp1'= Aatt of svs sum men
N- nod to •Bd- Paw App& d To: we ImAtIpb/ ri
M=b.= of each sop - each day, edpd my«n?1e?w
lt N n 1Man 6mt o) at
or eredta. IN ri Dole e?ea
wwarrrera next m'Bslarce Wm pepped To: we also
whereat arrY upid frtartos Wqa frwlitlM In the bYame
a wd .apse «?t.) T1ta Biwa w ri all
bier.. of ai
sepnerrt. Then, val addpeglodr the ery belarces for eadt
manb« 01 drys In ilmp bRlp P. ThTNe?glwe ua 1M
aver dry balanc?s a lair eefprhern.
3. M pyre fAPR1.
. TM daub 'AmrW PercerrtsQ< Rata' may appear as
APR' on
ri /cm), his. suwnent.
h. If ri code P Wlma), L 13irto. LIBOR), C (Che Imins of
Depaitt, a S n i to 1h ri Pdrrm) appear m of
the hau
triter wrerrrefa se1tl to pedede nNW, ri
raW and oprsy«?q ANNUAL PERCENTA43 RATES
m tlrvary nate?d Mdy al yyrrdircin o or based
WAN Samar
Jcunati pka ri rNrgrt pmt AOWy 6idowd m you
Tlmr w W e w m ri Arn dy a vase
Nang pedal. weramaa
a the =C=, q= Ira-
pA Jdyy and lktab«
c. If the cods 0 (PrYN), F (1- 0008) or C. Xmia.
U. R.vrla.d MaNdy) appe?re m ri Amt a y«a
statement rend to =d Ic rate(U tln pwaAe rams
ai axmaporrdc PBK.[NfAOE PATES may
do. based m t.
NafeM, N mwd M VI-NO., ri margn priotwly dedoeed Z-11191
writ be ofectw m ri frr dry of y" bpbq period
each mol
4. Aaeaaa mad of Lab, Oval a W Rrbmml ?aywrc Fees.
Yotr acutst wA be assessed I mere Curse two a ri wr
Baled lure rid ocerr during ary bYrrp poled. IJrier ri
term. a your hmsterNr aperrmt, vw ,resew ri rigs m
waive or n« to areas any tar WOwl pem nodAudon to
W shout :w
N oa right to a-1M .sera or slmlar
at . cattrims.
6. Yerw Aaaweri. H • ...ba iiP as
apprn m ri tram a gas aaNmm, youMw 30
days harm ri rise. triers wtanhatt wr mated m you to
avow wMrt/ ri tee « m Imva wain tee .,abed m you
ii yea cartel your arxarl. Ourin/ tltia period, you mry
ci to we You accernl witlom Mvinp to
pay ri
memberiap fee. To eared yaw erxmtax, you nave
m" w by Bring ov t]wnmsr INlatlar Dapanmem
art pay yea 'Nave Balrce' b M Iemdudrq the
menhMMip i.e) got m eM iM of d. W nydY period.
Q H You Geee Your Aeai You can renpnw to der
Yy«ohwr accatrtt by crkq our Qmtarrter natl.,,
Depart rant. Yau ,,arty derroy you «eM uWW arid
a Iowa Ill Cracks, ratwi as pnaudod:ad
bpktp,
and war tai vase a?ud. It ym d nr carol
Prasurlcrized biitg arrarverrres. we W?alocpwWddn
srxoue? eAddcharge yaw sulitiollizedon to
d«hry, ypr account vA not be =
tads you pay .1 Nquae Vera owe sea ktdulnc ow
tmrmadi«r you hew arttlmriza' frhrce rimer, par
rive ter, ovetadt fen, mMarmd WYment mere, rdt
adiamoo Yw ad any thin, ww aaesa.sd m vow are teapatafas tar these anwaM wMdmr
dray appear m your aceasa a ri rime defused to
gar dm aee«al «tMy en Awaund w? qwm m
you regwet to dose to aorohatt.
1, y acoal at
dhsror aoosarimm you Tr rewl
h.-
it you arttlrorfted ¦ here • dwit sf Yd ar
racrw ri rradtaa the msrrm afar vase
ahxeurc,metr been -W ahmwra iii be moponed,
ri
.rd a yranoour of the dm Wi Wadded m yaw accoua,
rnanesraltp kw for yotw Ise , Iwi awlnw
W be drrmd to du m, by law, mrN Uu
aouuit 6alaro has bleb In All N dslYed above.
7. Uir Y«r AesouLYay card or scooua cant, be
In conriectim wilt any adman[ gamblkV
trsruacdona.
a. Native All FLaearae Oaaak cal-areb. Winn
p-Ab • duck w you errnrhs u aWw ro
tree kdormal Aom drek to make • -time
.19etroraC And vanf« yaw hart. aaeua or m
prormr the ppa?Ynara r a dheok tnanmaCdnrL When we
tae htorrlletlelr from your dial m make an dworac
fil trans, find= ba thdravwt hoar, your Will
accahsc N aoert r {errm day we IaCa1w vase
paypaywrd?ot meeive volt, deck bxk Aare
far Caw Of Eros 01 Ouwdar Abatl Your W)
If Tou hiank yorw bi 1. wrerig, if you need m«e
In1«madm m a trrractlal « bM, whe m w m e
seperam street N aom N IWeepe a 1M addrew for
ImfddN aimw m 11.0 fi«rq of fds xWeatem. We rwmr
Iwr faorrt You rm Iraf dwr'.80 lyyyrea attar wa awl you ri
irel bi m wfidt ri error pmNae apprnd. Yau user
raM rise Qanana Ralad.rm realm,, bur ddrq r wi rot
pprrwNaarwva verve rgaa h yauletwr, qlw w ri Idlorrirtp
Intamafarc your rune and ahxetaa ram6sr, ri daWr
amerad a ri statpeded s Imcdpdw of ri anon
and an soplermtiar, H aWhy yrwt brave rim is
r 4= «I1 you need IiHoanatfon, a dreriprlan of
ri baser, you an urwre abwr. You d rot hew m par arty
m sW obhlytW psty the parts a.1Mt aerot
IprrYm? N M?inwllasta Yaa Pte, w. rarwot
or mks any adlon to eaAeel the
amauri You qunahim.
S,t Spa" Rl For Gads Card Purdnaes
If Mm Mw a problem wvh th qualty a prtperty «
hal Is 7M you pu ? n Wa
Mw rod in 9uon mWh m
marcMnt, You may lwte rise. rigs rot to iwy hire temaktrtg
snared rive m ri pmpary «serira Vou Mw hill
pmtaetlm mty vdhen riser pka wr man than
460.00 snd rise purclwr mad in your hum state or
Will 100 ,rise a vase a.- Of we own or
seer,. ri merdmrt6 «if in "T you the
aAwhirmant for to prooehy« ,,vitae, r purtlmaN
covered l rs fiber to sign r cormap«d of pudur.)
Rea
t Doer not appy m Driven, non-ered& cart acraa,s
1 Does not apply m "Mme r nee. nl cad aeeorau
Qty atppona pdyacy pmbcrim: Ne ou
h www.cOpi«w
deft, Ohm b • wfed ly wani mark of Gphel
Ohm Rrtridr C«por.li righw reserved a 2003
call" Ohm OILALBAK
brparfaR FIoOw: Paynwru you mi m w wfl be «adt.d m vow acrwM as of the bu=day "naive h, proided 11) yw sand the =vi a M. and yr Check
fn ri enclosed seritttance mwtlapa art (2) vase palmem b rocryad h w pouwYq tamer W 3 P.m. ET 112 rxxm Pi). Pbar slow at wkmr dyer for peaW drwry.
Paymwr retml Id by w at any ofmr beafan «in any oCtw Donn msy not ba call as at w73"
dyy w? raaiw 1Mna Our Willman days am Mwtdsy thargr Salurdrl, eedWrq holdys.
Pleas d%r.:- t4er she. when pnWrite vase pa?nern When you sand w a dtsekW you auhalr w to malty a ormNme Will vamkr debit dyers your hurt
acuua
antoird o ri duck 4Hs aWholzaUm apps, m i drscluwoiwddud V.1M burp c ycle .yen H rm by sameorw elm. It we cal procer the vowf, you sudwrize
w to make a Oll against you bel accwn wkq the ctwk, a pap.,
drab « orir ham.
C jCw
what's in your wallet?
KATIE SURD
NOT PAYING YOUR DEBT 058
DOESN'T MAKE IT GO AWAY.
In fact, even if we report your account as charged off, you'll still be responsible
for paying your debt. So why not call us to see what we can do together to
keep you from receiving such a serious mark on your credit record?
We're here to help. Please contact us to
find a solution that's right for you.
You can make a payment with our fig, check by phone service
or speak to an associate by calling 1.800.955.6600.
Make sure you cal or pay the amount due on yota statement within 30 favs to keep your account from being charged off.
® 2006 Capital One Services, Inc. Capita! One is g fedem4 registered service mark. All rights reserved 058-07754
110
Account
Previous Balance $792.29
Payments, Credits and Adjustments $.00
Transactions $29.00
Finance Charges $17.62
PLATINUM MASTERCARD ACCOUNT
5178-0524-3422-1020
AUG 24 - SEP 23, 2006
Page 1 of 1
Payments, Credits and Adjustments
Transactions
23 SEP PAST DUE FEE
$29.00
New Balance $838.91 Your account is six payments behind. If we charge off your account due to 'Art Payments, we will report this to
:Minimum Amount Ihu $8.38.91 several national credit bureaus which may have a serious impact on your credit record. Act now to prevent this
Payment Due Date October 23, 2006 fiam happening. Please pay the amount due on your statement or give us a call at 1.800.955.6600. Well work
with you so you can take control of your Capital One account and start rebuilding your credit
Total Credit Line $500
Total Available Credit $.00 NOTICE: Look for a new statement design for your Capital One credit cud beginning tort month
Credit Line for Cash $500 A summary of the key changes will be provided with your new statement
Available Credit for Cash $.00
At your service
To cal Cwtomer Rastions or to report • last ..td. -r&
1-800-903-3637
Sad payment, to: Sand iagw wto:
Attm Ranittana Peon-ing
Capital One Bak Capital Oat
P.O. Box 70884 P.O. Box 30285
Charlotte, NC 28272-0884 SLC, U1' 84130-0285
Important Account Information
Beginning October la, 2006, based on your account activity
you may be assessed more than two late, ovabmit, or returned
check fees that occur during any biling period.
You were assessed a past due fee of $29.00 on 09/23/2006 because your minimum payment was not
received by the due date of 09/23/2006. To avoid this fee in the finure, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges Pkatene reoerusidefor importantixformatwn
rare Perialu ATM
6
?
la . P
race R
l:t1Al(
PURCHASES $800.78 .070%% 25.90% $17.62
CASH $.00 .07096% 25.90% 3.00
ANNUAL PERCENTAGE RATE applied this period 25.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT
1 0000000 0 5178052434221020 23 0838910050000838915
New Balance P!?`p"t" Gager°aay°" "'°?l.°yr'brlam'° ytt "rbr"t"!
$838.91
Minimum Amount Due $83&91 Sh t Ape e
Payment Due Date October 23, 2006
?? H Sus MP
Total enclosed $ ]{omePhae AltamuPhox
Account Number. 5178-052443422_3020
Es u7Addras
#9026709938399570# MAIL ID NUMBER
Capital One Bank KATIE BURD
P.O. Box 70884 Irlulultlltlutllul m 1198 SHOREHAM RD
Charlotte, NC 28272-0884 a '?G CAMP HILL PA 17011-6135
hthlLtLtJdlnJtJdlhtdttLhththtlhtlnhtlhttll ? InttllhttlllntttntllndltlLntntlhtlLtLlJJtthtLlnl,l
Pk-, -,;teyour av t mu-lxron your rbeeh err -my order -odepaynble m Capita! OxeBank and mar! in t/x tndw d envehope.
a?
e?
g
0
O
to
N
N ?
to florae Pried. Vm wN haw i mkinun grace period of
26 rich vddtorr litro drrya m rtes pudrer, trees
hdrr
we e H H you row ?P?l pudtaw rd new other
draeu pry yar coral 'New BeWrs', N
mul h ti s for k the to be fntportrrt mock* f« paNronu bdan',
rd h titre for carted by you wa raaranterr
tdtip dam. Thos a ro cam period m ryafe adwrtma
tiansscdci' ifif N adidn drte a ro price Perlod
you d ra pay t)r tatd 'Ibw
b. Aeaniq !'Mae tltapa. Trarraetkre whkJt ate not
fiot mMth dm of?tlta t?irrretlatt?dhom tlrtlr d?drt I
trait .Kld-'a procaaaed m You b:Wppa «3) Imrtt the
roar r:fartdr d.r of th anam elG pabd
}f rd rot pw the -NSw Belrtee flan eM pre•
beep period N Ai, Iktertce d'arpr oarinr m rent m
yes rrripaid bslrree rarY the updd 6daren h paW N fii.
TNa meat dear you may ark owe titarns dearpn, wen if
you pry th errim New edrny Ndkytsd on the ftmt of
yar ataarnerr by the rtnd etanrrwr dual. des, hu 60
rot d es for rite praNar Irnrdt Urpdd fNrtca Meryr
am artled m th arpnerr of you Ar>atar.
t c. fiirraaa tat.ae . Fa each bMkq period rtes
IN to,
mytestal RIMWCE df4A0E of 40.6060 wit?betPirgaesd H the
foul flreattca M.rps fete the aPp6?tan or your
perkde rra(y r Iw then 60, we will wbtract the
smarm from the 6.60 mitimor std th AHarertca wl h
hid m lh Pudrr aep?er? of amour.
t d
rlpllt d ft to r noIb[6 asessoaaeea rn any Wtrna Orpa We reserve the
or «a6 611a1Y'e darpea for any .Ivan
2. A hwrae?r0 illy ikrw I Nrw Nrdural.
a. WFlitartce
e- ==-= the daily
.omr.r ((as.qq..?? r..n
halrtca of Veto
advrtat, ptrdtw, Weld trrrrA, rd apedd ptrdtw)
DY tfte dally.A do rabW Nn let been
prsvbrly m you. A, t the and of rM day drYtp
the 6iV oAkd. we apply du PAbdlc rw for rrfi
aaprtrr d your Mmratt m pr Wrrr of each
espmrr. The r tlts rd of th P.. ws add up
each sgnrr of ~ aa:aar. ws
rata. To abuln ft awrape drily bdanm i« th
ip eovet
th
tFansoclons to end) of by tl oe=, Pnrd sadr daratertrant, wey, tab
halarea of dda?ranryemroaw
«cudNa. 4" Oto codavs art IM p Hu?of Wes
sWHM = d
drtrtce drrgs N th DalsrCe
each
of each aeger ) 7hb plwa n fh dry balrtca of
eev?e• Tr+MKwe add ep an m. d yes ? ? ? ..ai
of taya ? hpip ?dod 7fis dwa u fh
average dopy balartes of each esOnar.
3. Atrai Pro IAPRL
a. Th term -Annul
APR' on the Parcrtlapa Rata' may appear as
rant the natenwe.
It. If rite Dods P Writs). ), l 13ire. LIBOR), C (Certltkna or
raha and ANNUAL PBICBfrAOE RATES
m ytlr arytat _laadh M WiY Sbarb
J«sna( pkr the maopin pwMoudy deducted m Vou
Tway vd6 h w m th flrr dY of yar
burp oowme M You peiodc aratamrr erdrp
rd
to the - ' & tetold. tlr oMa - recta
tre mrpn piewdry aaraeaee to Your '=r-.d"
wl be eMediw on ih fret day of you edeach mcrdr.
4. ArWmrd of Laso, O-flei and Rel rrrd ==
ar.
You secoun wl be eseerW re to the see
Rated hm that oear du rig arty bWrg padcd. Under th
terra of
=to asaer atmmer trprearnerr, tw reserw th rqr te
wdw « rot arty two vathan rotldratim to
yott wfthu ma vk rlur ride to asea a same or skn6ar
n • Ina litre.
6. rrr Aateur- H a mesrhrYip tes
eppesn m th from of 1Ne , you haw 30
rip flan 7h Nor die trnow s Lich etrM m vest mallet! to you to
ft evdd payma ore or to roes fee u audited m yet
if you Banal Yrr at>cotrr. DuMq tNs pedad, yet may
carrier m tee yor aoeoua Wdwr Irdg to pay the
:md QMait« RNaduteyDapermwe
notlma Delp
and ply you New =o= drq he
manhalip ore) Pdth tNrtydeY period.
& yHyaaYrrwCboo rY?voM. Y to does
0apalitnent. You mot derrty you and cwdls) and
coot" amar tdtscb, carted M pmeupndtad bllim,
and rxase your amore. if you do mr caned
of . •
pteesrl rtagpnrrtb, we wl madder
repipl of • dtarpe you aWtodztdm m
aoarar. AditlaWy, your aamrm wl nor be oloesd
cad you pay all amama You ewe tr irAtirq arty
,urea you trw aWmd:sd, rotates cash
doe lees, , owdmt sae, shared W'. Tess ten, Wes
,
advrtca iw and try trier lava aaaeaaed to Your
amaar. You am asprarihls for dtees amaars vAtedw
the inn yyoouu ragesat tc
meY appear m you secant of
clues th acooun or tiny am Named subas¢wn m
==r= o th aornrrr. react N
voter ac-ett afar vet row
yar aornutt H h Iw boon Hord For exantpie,
H you rdnrkd a p the.. • -- ft rd we
rncahe the trrracdort re thtrterdnrK after you
atowtott h- been
the m
arneur of the wl h added you'e-rt,
eM yyoo?t?r vA6e IN
papnrk. H tMro a e
membsrdip fr for your th les vin mrriar
wits k to tin even prmetpd by ores, tenta rho
aoc«ar burns ter b? Ps Nac r deM1wd ab
7. tkep rAr A.mar.Yaul cad a amaar crrot be
e
tatd N tsntsctlart wkh Mty irtmtr perrthMtp
lrarractlar.
S. NMae Abort Flestratie Q/rk Orwralse. When you
tptiestNamradm ban yea' rdmdt mm mob a WOns-tkne u
tderaraic katd trwM fleet yar bank arxarr « m
procar tlr ppa?ymam n * drdt Hrrcdat Whoa we
tars krerrrradort horn your Meek m mob r aleatoric
kaaf varrar, Trade may h wfrhdraww fiat you brtk
aeON" ore riot r the yanre day we rsodvs yar
y ?? uodw -VUdeeds Wek hum
BIwNO RIGHTS SUMMARY
(N Car Of Etta Or Ouasdare Abota You 8111)
It you dirit you bl a w«q, « if you reed more
Inborn m a trarractiaq « bl, wrh to u m .
tparau =--,Z r ?e n rite ttdaar for
Nptirhe 1raN'. n tNa nnerrrtsn. We roan
fear horn yeu ro == .BOdaw offer - stn you the
first bll m wlich ppesrod. You can
call err Ctrfootr Rdadre mlrbef, bUl doNp r wJl not
trtg
.orates you dWaa N =='
ntarrtadorc you Warne nattber, th ddar
amtnm or th r?PeseM a desedppm o1 fh «r«
and r tn
«orif Vat, If oft?ie.r you bdave them fa
an army, It V. reed fntorrttadert, • deaetlptim of
th rote yeu am tattw ahem. Ym d Wort roes m psy try
I of _to
arrant NNgpunrstdan wine wlwotta kmWAq rq h, but You
a .myN the
cdlacat•t
amain you tprsian
t,t SPedd RW F« Crook Card KNdtows
If yeu rota • praNrn wfth th qurty of PmPGM «
aerMw the yes with a aed card std yet
I*" tdsd Infalpr m cbrrsrt th pmhlrn with fie
:=V% Nymay ftaw tphtte?tldt{rttanpotktso pay th temakinp the BIM tlts ptaMar wN matte in yar Mtm Gate «
=too. =Z-. mZ addgf we t «
if Yrs mWsd you th
adwNesmrr Tor th « estticaa, N ptarJtaw
Paar'enwrm ?oamapa ? of prMaae.)
t loss net APAIY m eonra/lar rim 00 crd accoinds
2 Does n« Api fy to Males* Oe-aaW! -d ace«nes
Ore tatppwa Nkmratlat. pdvacY p«estion: w ou
n www. leaann
Orre h a Y reYnAed aervke mark of Cedtal
peyorro «aeda posted s of that dry trot am allocated
m tlrt sspesrr. T1ia +a? t¦ IIr aepAar dry brpdrtde.
tMBeWrst t? myt _P.
Nas afMert?i laf dykmi fti (orb
If yrr rtwv batartca wr asm « a alit amour), row
Pl.,t, lone whkh poet m ytnr puchw «epedd
pawdrreyt -Yb dV
baWrw toPtlr rd Avlirp tlr srsn by the ember of
the deq N ttte aatam fig tgda. Te caladate yar totY
itrtaa ritsrps, yar atrrapa dW halrtos lar th
dry pAfode to
and
stn a rlr6y 1M naMW.of =he tlrrole.
Paled IN m raas6rg No altdretion rd the am onvour h t
rdt vadrns baMean an of
litrtna atatr6y asassesd
b. If tin Duda «N gpara m Hum 'n Nor sutanart
T
nrd m -Belrne late AppNd To,' we rtsddply tle
Nkr vd Pak yes me8 a u wN be aWted to yes aocaaH as of th bnkwst dy ws modes
Payat h, pmOdsd 11) yes and tin outran pordm of tNe stataRan and You check
anwlaps and 12) Wu gpnm b trrcdw0 N ar ow?iq oerrfA M 3 p.m. ET (12 rem Pf). Pease aloes n and 1w 16) btairaa days for postal d6wry-
M modwd by w at rry otter IZon A in try olhr fare ma p
y nor bs uMtM n of th dY we teoNw than Ow bukwn rip as Mwday /rot6A SatWay, postal ho6dya.
flew d ===1 ppsrdtdn. sm.?appypaoaabNRtrr yes std w a drekai, yes suppdzs tr a mob a ms-tNm sacro«ic trrrlar riff ryom yar bwit
awn N can Dy aaruats she. If vw carrot procaw on
trdsar, you auhdze
w to make a tdu apaNr y«r bank atsorad using fro duck 8 pqur daft«oalwo d tf th blip cycl.
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FINANCE
Previous Balance Payments 3 Credits CHARGE Transactions New Balance Minimum Payment Due Date
$838.91 _C::$0.00 + $18.06 + $29.00 = $885.97 C$385.97D
Nov. 23, 2006
Sep. 24, 2006 - Oct. 23, 2006 Page 1 of 1
KEAM PAY AT LEAST Tn6 AMCKAT
MasterCard Platinum Account
5178-0521.3422-1020
Your Account Information
TOTAL CREDIT LINE $500.00
TOTAL AVAILABLE CREDIT $0.00
CREDIT LINE FOR CASH $500.00
AVAILABLE CREDR FOR CASH $0.00
Finance Charges (Please see reverse for important information)
Balance rate Periodic spp?mg FINANCE
applied to rate APR CHARGE
Purchases $848.56 0.07096% 25.90% $18.06
Cash $0.00 0.07096% 25.90% $0.00
ANNUAL PERCENTAGE RATE applied this period: 25.90%
® At Your Sella 14110A03-3637
Tod Cuskinor Relaeore or to report a krst or stolen card:
0 Send payments to:
Capital One Bank • P.O. Box 70884 - Charlotte, NC 28272-0884
A Send inquiries lo:
Capital One • P.O. Box 30285 • Sall Lake city, UT $4130.0285
Payments, Credits 8 Adjustments
Transactions
1 23 OCT PAST DUE FEE $29.00
You were assessed a past due fee because your mhimwm payment was not received by Ore due date. To avoid
this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach
Capital One.
6056 506 1 7 23 061023 PAGE 1 of 1 COLR233B 01BC6056
PLEASE RETURN PORTION BELOW WITH PAYMENT
?aplilfaiiQ?'I whaYsinyour walkt7' 0 5178052434221020 23 0885970050000385972
New Balance Minimum Payment Due Date
C$885.97 $385.97 Nov. 23, 2006
PLEASE PAY AT LEAST
THIS AMOUNT
Amount Enclosed
Capital One Bank r?tr?rr??rn?r??rrr?
P.O. Box 70864
Charlotta, NC 26272-0664
111 1r11n11 r1r11119111111111111111911finIn1111111111 1111111
Account Number. 5178-0524-3422-1020
Please print address or phone number changes below using blue or black ink.
Address
Home Phone Alternate Phone
Email address @
11 90297099363995770 NAIL ID NUMBER
KATIE KURD
1196 SHOREHAM RD
CAMP HILL, PA 37031-6335
urllbnll6nuriltsrl611nnrl6alln661rlnlu6leaII
Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope.
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endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned
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communicating information about yourself to the company that provides this product - for example, that you are
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to new dial-up subscribers at least 18 years of age and may rot be redeemed with any other offer Offer subject to
change at any time. Plane technical support available for $1.95 per minute.
For questions, call tot flee at 1-877-778-1207.
Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply Telephone tog
charges may apply even during trial periods. You are responsible for determining whether a cal to one of our
access numbers will result in tetepftone tog changes. Access may be limited, especially during times of peak usage.
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service; actual speed may vary
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in this U.S. and other countries,
O 2006 Capital One Services, Inc. Capital One is a federally registered service mark N rights reserved.
1. Hear to Avoid a Finance Charge.
It a. Grace Period Voce will hew a niYanum grace period of 25
days vv*iou t fiance chorge on now Pumthres, new
balance canters. new epee d pundwes and new othr
charges if you pay your esW Yaaw Bamsros•, In
accordance with M Important Notice for payments below,
and In dma for it m be o.bad by your rod statement
closing date. Thria Is - grace period on ash adv-
and medal sorbs. In addkk k Mere h no pram period
my tnnsacion a you do not pay the btel •N
wnew
nm.•
h Accmhv Finance Charge. Transactions whkh are not
sublet In • gram period are, erred Mara charge 1)
from the doe of the esraafLrh or 2) from M does the
Iramacim I. proc.esed to your Account or 3) rem M fnt
calends day of the manure ba np prod. Addk"r A r you
did not pay M Tesw Balance' limn 0. proukato bang
pried In fug, finance dsrges cCldme to scone to your
impoed bWnce until M unpaid balance Is paid in Full. This
maans few you my .0 met fnanee charges, .van IF you
pay the antis New Balm- Irrigated rn Me from of your
rarrnrd by the nod statement cI - does, but did not do
e f« V. provkes mop t lAyaid Anna charges era added
to the applicable segment of your Accreird.
t c. Lgnk a Fk- Charge. For sea b* V period Mat your
account Is oubled to afi m tugs,a *.I-total
FINANCE CHARGE of $0.50 wit be Impo¦ed.
t it. Temporary Reductlen In Pksreoe Charge, ft reserve the
right fo not rare any or al Awes charges for my given
b&V period.
2. Avenge Daly Salute Precluding New Purc aaea).
Films c eMo ft miamsted by nxd%*ykg M dally bWr
deade aepnmtafyoraaprmm(..fy., ash.dvrue,
purchase, special transfer, and macs pucheme) by the
mrremaedng doey periodic rat(a) tiw has been
previously disclosed to you . At the and death day dWng
M baling p.rlod, we apply M dsliy porfodk has for each
.egmerd of your account to M dolly bedram of each
segment. Than at M end of to blag period. ws add m M
nwNa d these deny WoAadae to ante et your periodic
events charge for each s.Wn.K lNs add up M roar from
each segment to arrive mt to foesl periodic finance, dale for
your acawt Tegse the daily bdw m for each asprrwd of
ya?ermat, we take M Ia¦OIr¦ig''nice for each
fagrnerd and add &V new,banaisctkrs and my periodic
lama dwgacWmdomdw MpraviotsdaysbaWa for
thoe aeprwd. Wk tleen sedmrac any prymrda «radb
pcd.d n dthoe day det era .1ooww b lW ¦epnerd. TAW
gives rM>sPRr - daily Mane fareachoslynentdyour
account. However, aye paid the New BOW" shown on
your previous statement In full (or l your now balance ores
Zero or a reel Need), row rrrerione, which pmt 1.
your purchase or sprocill purchase sagunshts rs riot added
to M daily Mans. late akWas the average duly
bWmre by adding al the cagy bralkincom together and
diWo ng the em by M ,r- of the drys In the cumsnt
billing cyder To cekulate your total (mares drags, mdupy
your average daily baene, by an daily periodic ram and by
U. number of days N the b" period. Due I. rounding on a
daily bask or due b MnMm finance charge esem L
therm may be a variance bebm- ON. cakuled n and the
amount of rnwrce hrg. acuely -"it.
3. An... I Pencestage Races (APR).
a. The lame •A-JW Percentage Rate may appear
as "APR' on ft front of thk sums ant.
b. if lib code P (Ouadarfy Primal, L (Ourtery LIBOR), C
(Quarterly Co), or 8 (Srhkca d Prime) pp- on the nom
of lies statement neA to the periodic rate(s), the periodic
roes and commoponding ANNUAL PERCENTAGE RATES
may vary qurlerly and may In- or deaeess based on
lie sUmd indices, as found in The Wall $treet Journal, plus
the margin proviaudy dadosed b you. Thee changes pail
be alfarLve - the fist dry of your bl6hg period cured by
your periodic ales--" ending In the -the d January,
Apra. July ant October.
a ores coda D (Mon" Peron), F (Monthly LIBOR), or G
Uneasily, LIBOR) appears on the not of your statement
and b M Pollock rat(a), the periodic rafts and
corresponding ANNUAL PERCENTAGE RATES may vary
mashy and may masses or derease bred on the aided
Indices, as toad in The Wall Serest Jar et plus the
margin previously disclosed to you. Then charge will be
efie"N" on M Mal day d your baling pelod each morph.
4. Amemssensat of LW, Ovwgmt and Returned Psymem
For. Under the terra of your msk~ Wommant, va
nerve M dglm to want or not to "Ness my fees .1hout
prior relation to you Mtieou wWIrg mrdght to meat the
same«sndinlm at • fthrlns.
t nt
on the front of your agreement, you have-dryahM
disk ft stawrrd was rt.W to you to aveW paying the
M or to have much lea aisdad to you If you arced your
9atourm withceti having to pry the cram be Wpfw. To
travel yon amoral, you mud nogg os by aghast or
Cualomr Relslira Oa ar merit and pay ymr'Nome
Bdrha• n full (eluding the membership tea) pew to
the and of ft Mtyday period.
6. R You Chase Your Account. Vou an request to dome your
account by emitting our Customer Relations Deparbnrd you
must destroy yon osctcard(s) and account ara¦s dada,
.W .1 preaulfrodrW billing and oem using your account.
After your repast to dome. fi you coMYae to tarmac or do
not crosl pealcwbod big rranpenwW, we uM
corsder ramp of a charge your su rnrlstion in keep your
s ourm open. Additionally. your amount will not be closed
until ym Pry ell amounts you owe us including: my
Wreadihna you have authorized. Mae a dwges. past due
fm, -v MC feat, rearmed payment far, rash adv-
far and my oasr Ire ....ad 1. your account. You arm
responsible t« these oneunts hahother they appear on your
scream at the ante you request to close ft account or fray
am Muad subsequent to your nques to does ft acmurw
This my r o ul In verges opposing on your account after you
have requested M stream b be dosed.
7. Using Your AcccuK Your card or account cannot be used in
connection vvK h my Internet gambling tr¦raectiorhs.
B. Notice About Electronic Chock Conwnhon.
Whm you pmWda a check as payment, you i dhort ra us
other to use information rmen your check to make a one-lima
electronic had transfer from your bank account a to prorate
the payment as a crock transaction. When we use
Information from your deck to make m electrons: kind
transfer, funds may be wlgdrawm tram your bank account as
sae as ft some, day we reeve your payment, and you will
not receive your cork back from your Inancial Institution.
BILLING RIGHTS SUMMARY
(In Cass of Errors or Questions abate Your SO)
N ym think your big Is wrong, or If you need more Information on
¦ bamackrr or big..1%. to us on • saparade cheat se soon at
Possible at ON addros for tngaeniea shwwh an ft front of am
statement ft must her tam you no later gam 60 days aRr vw
more you ft find bag on 44ch to error or prober. appeared. You
con hag our Customer Relations number. bud dohg so wig not
pr- your rights. th your letW, give us M roaowkg
ktormallon: you nans and account number, the doer amount
of the suspected error, a daacrlpdcn of the error and an
emarrgon. If possible, of why you bplftts Mare k on emor, or If
you need man Inrmmidim, • description of the gam you an
unsure about. Ym do not have to pay my mhos nt in quesilm
-W we are Investigating It. but you we suit obligated to pay the
pans of your big due ame not M quasdbn. While we Investigate
your W.A-, we cannot roped you as deenqurd or take my
action to collect ft amount you quargaim.
7. t Spacial Rub for Credit Cold Punchomes
N you have a probirn whh ft tFWty of property or monvicom flue
you purchased with a credit card and you have filed an good 11th
to correct M problem wlh the merchant , you may hew ft right
nos b pay M remmink amourd dus onM Pmpery or services.
you have thk protection only when the purchase price ores more
Mn 150.011 and the Purchase par made in your home sea or
wain 100 mYes dyer maing address. (if we own oroprate
ft mamhan . or It we "NOW you ft advertisement for Do
property or servfas, all purchases h covered regardless of
amour m began of purchase.) Plesse remember to sign all
mrrsspwgd .
t Dams not ropy to consumer raa?aradl cord socours
q Does not apply to Wakssr r..trodl cod accoaes
Cepbl One auppres illb adim privy prarol m: ee our
warela at wima(g ,?.
CaPltel One k a federally registered service men of Caput One
Rnandal Corporate. All rights reserved. 02W6 Capital One
TC-0e
01 SCa056 - e - 12/2 1A36
sprat Nrk¦: Payments you mil b to ail be oedled b your . tsdtls W*-dry- recwls R provided (1) you Will tls
bokm partin of ft stunent red your died In the wrb¦ed wditr- enaI; mail (2) your Potential is received In car processing oader
by 3 pm ET (12 ros Pf). Plros d wsIrIM(5) baisr data far Pstu dsyrry. Pgrnrp mil " byce sl rir ad. location fib
any othrfrm may not be palled as of ft day me receive ton. Ow Naimoli date n Monday, d¦agk Saba*, awWg holidays.
Pies do not w seems, Par dp.sheoewplepMgyap payment 1Nsn you ¦rdsadkldds), InnarrhasbmW ¦re-res
Wcb.* snsrrd*M fen yorbau.trees brtis -W sltia d¦d. Tub rmanacen ¦ppi. b di dada mW wddokg ere b*q
cycle wen f ardby eonronera a-rnnalpr«ss the anhehr, yr rdliams s b mutts a Barg. agiaryour bed e«ard ukg the
check, a psp«dsfiaatlar Win.
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 Plaintiff's Verification cannot be obtained within
the time allowed for filing of this Motion, and that the facts set forth in the foregoing Motion are true and
correct to the best of his knowledge, information and belief.
WWR No. 6436190
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CERTIFICATE OF SERVICE
A true and correct copy of the within Plaintiff's Motion for Summary Judgment and Brief in
Support has been served by U.S. Mail, Postage Pre-Paid, on / r * day of 2009 upon the
following:
Barbara Sumple-Sullivan, Esq.
549 Bridge Street
New Cumberland, Pa 17070
By:
Ben R r, squire
PA I 9 598
Wel ,Weinberg & Reis CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
WWR No. 6436190
CAPITAL ONE BANK (USA), NA,: IN THE COURT OF COMMON PLEAS OF
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
vs. CIVIL ACTION - LAW
NO. 08-2708 CIVIL
KATIE BURD a/k/a KATHRYN L.
DOBBECK, a/k/a KATHRYN L.
BURD,
Defendant
ORDER
AND NOW, this / V day of March, 2009, upon Plaintiff's Motion for Summary
Judgment, it is hereby ordered, adjudged and decreed that said motion is GRANTED and
judgment is entered in favor of Plaintiff for $1,211.54 with interest at the rate of 25.900% per
annum from March 25, 2008, plus costs.
BY THE COURT,
Hess, J.
,Aenjamin R. Bibler, Esquire
For the Plaintiff
,/Barbara Sumple-Sullivan, Esquire
For the Defendant
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
vs.
Case No.: 08-2708-CIVIL TERM
TYPE OF PLEADING
PRAECIPE FOR JUDGMENT
PER ORDER OF COURT
KATIE BURD AKA
KATHRYN L. DOBBECK AKA
KATHRYN L. BURD
Defendant.
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Benjamin R. Bibler, Esquire
PA I.D. #93598
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR No. 6436190
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
vs.
KATIE BURD AKA
KATHRYN L. DOBBECK AKA
KATHRYN L. BURD
Defendant.
TO THE PROTHONOTARY:
Case No.: 08-2708-CIVIL TERM
PRAECIPE FOR JUDGMENT
Pursuant to Pa.R.C.P. 237, I certify that a copy of this Praecipe has been mailed to each other
party who has appeared in the action or to his/her Attorney of Record.
In light of the Court Order granting Judgment in favor of Plaintiff on March 19, 2009, kindly
enter Judgment against the Defendant, Katie Burd Aka Kathryn L. Dobbeck Aka Kathryn L.Burd, in the
amount of $1,211.54 computed as follows:
Amount Awarded per Order: $1,211.54
Interest from March 25, 2008 to April 22, 2009
at the legal rate of 6% per annum: $0
TOTAL:
$1,211.54
Attached is a copy of the Court Order in favor of Plaintiff for Judgment.
WELTMAN, WEINB & REIS, CO., L.P.A.
By:
Benja i Bibler, Esquire
PA I.D. 598
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
Plaintiff s address is: Weltman, Weinberg & Reis, 2718 Koppers Building, 436 7t' Avenue, Pittsburgh, PA 15219
And Defendant's address is: 1198 Shoreham Road Camp Hill Pa 17011
WWR No. 6436190
r
CAPITAL ONE BANK (USA), NA,: IN THE COURT OF COMMON PLEAS OF
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
vs. CIVIL ACTION - LAW
NO. 08-2708 CIVIL
KATIE BURD a/k/a KATHRYN L.
DOBBECK, a/k/a KATHRYN L.
BURR,
Defendant
ORDER
AND NOW, this day of March, 2009, upon Plaintiff s Motion for Summary
Judgment, it is hereby ordered, adjudged and decreed that said motion is GRANTED and
judgment is entered in favor of Plaintiff for $1,211.54 with interest at the rate of 25.900% per
annum from March 25, 2008, plus costs.
BY THE COURT,
A. Hess, J.
Benjamin R. Bibler, Esquire
For the Plaintiff
Barbara Sumple-Sullivan, Esquire
For the Defendant
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2009 i Py -) ft 9 cf J: r 4
# If-00 PO AT rY
GL`s` % 8031
Rr aa4 L8o
lie.. k4a,l.a@
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff Case No.: 08-2708-CIVIL TERM
vs.
KATIE BURD AKA
KATHRYN L. DOBBECK AKA
KATHRYN L. BURD
Defendant. , ,
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendants
( ) Garnishee
You are hereby notified that the folio ing Order or Judgment was
entered against you on
(xx) Assumpsit Judgment in the amount
of $1,211.54, plus interest at 6% per annum, plus costs.
( ) Trespass Judgment in the amount
of $ plus costs.
( ) If not satisfied within sixty (60) days, your motor vehicle
operator's license and/or registration will be suspended by
the Department of Transportation, Bureau of Traffic Safety,
Harrisburg, PA.
(xx) Entry of Judgment of
(xx) Court Order
( ) Non-Pros
( ) Confession
( ) Default
( ) Verdict
( ) Arbitration Award
( ) By Consent
Prothonotary
Katie Burd Aka
1198 Shoreham Road
Camp Hill, Pa 17011
By:
PRO 0 OTARY (OR DEPU QIZ
WWR No. 6436190
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff Case No.: 08-2708-CIVIL TERM
VS.
KATIE BURD AKA
KATHRYN L. DOBBECK AKA
KATHRYN L. BURD
Defendant.
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendants
( ) Garnishee
You are hereby notified that the following Order or Judgment was
entered against you on S/jyT/&
I I
(xx) Assumpsit Judgment in the amount
of $1,211.54, plus interest at 6% per annum, plus costs.
( ) Trespass Judgment in the amount
of $ plus costs.
( ) If not satisfied within sixty (60) days, your motor vehicle
operator's license and/or registration will be suspended by
the Department of Transportation, Bureau of Traffic Safety,
Harrisburg, PA.
(xx) Entry of Judgment of
(xx) Court Order
( ) Non-Pros
( ) Confession
( ) Default
( ) Verdict
( ) Arbitration Award
( ) By Consent
Prothonotary
Barbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland, Pa 17070 _
By: S
PRO NOTARY (OR DEPUTY) 4X4
WWR No. 6436190
WELTMAN, WEINBERG & REIS, CO. , L. P.A.
BY: Ashley L. Sweeney, 313667 Attorney for Plaintiff (s)
I .D. No. 313667
436 7th Ave Ste 1400
Pittsburgh PA 15219-1827
(412) 434-7955
FAX: 412-338-7130
File # 06436190 C N Pit SJS
CAPITAL ONE BANK (USA) ,NA
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY
vs .
KATIE BURD
CASE NO. 08-2708-CIVIL TERM
ell
AID Q f _
PRAECIPE TO SATISFY P, -K —Gr.,
CJ rs
TO THE PROTHONTARY: 5:=
5-,
Kindly mark the case and judgment entered against Defendant KATIE
BURD as satisfied.
WELTMAN, WEINBERG & REIS CO. , L. P.A.
BY I _ �__!!� _ t_
Ash 071 . S;f-ne
Attorney for P] -, intiff
L4"q• 5t) 1#11-
C#11335287
01---0197617