HomeMy WebLinkAbout08-3086l
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff No: 0$- 30$(o Civil (Qrk
vs.
COMPLAINT IN CIVIL ACTION
THEODORE F BURD
AKA TED F 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
06523882 C N Pit ABR
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
VS.
Plaintiff
Civil Action No OF-917-9(l 6?'! 7;L
THEODORE F BURD
AKA TED F 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:
THEODORE F BURD
1198 SHOREHAM RD
CAMP HILL, PA 17011
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXXXXXX1460 .
4. Defendant made use of said credit card and has a current balance
due of $2925.66 , as of April 11, 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
29.200% per annum on the unpaid balance from April 11, 2008 . A copy
of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 11111 and
made a part hereof.
7. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the balance due to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant , THEODORE F BURD , INDIVIDUALLY , in the amount of
$2925.66 with continuing interest thereon at the rate of 29.200% per
annum from April 11, 2008 plus costs.
James a rodt,42524
WELT EINBERG & REIS CO., L.P.A.
436 Se en h Avenue, Suite 1400
Pitts ur , PA 15219
(412) 43 -7955
FAX: 41 -338-7130
065 8 2 C N Pit ABR
This law firm is a debt collector atte 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
BURD, THEODORE F
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn
falsification to authorities, that he/she is, 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.
T CY TAY
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No bli
JAMELA SINGLETARY
NOTARY PUBLIC
GEORGIA, DEKALB COUNTY
MY COMMISSION EXPIRES NOV 4, 2011
4388641398301460
A049
WELTMAN, WEINBERG & REIS CO., L.P.A.
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CASE NO: 2008-03086 P
SHERIFF'S RETURN - REGULAR
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CAPITAL ONE BANK USA NA
VS
BURD THEODORE F AKA TED F BURD
DENNIS FRY
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
BURD THEODORE F AKA TED F BURD
the
DEFENDANT
at 1048:00 HOURS, on the 17th day of May , 2008
at 1198 SHOREHAM RD
CAMP HILL, PA 17011 by handing to
THEODORE F BURD
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
15.00
.....?, •-%''??? ='
.00
10.00 R. Thomas Kline
.00
? 43.00 05/19/2008
WELTMAN WEINBERG REIS
Sworn and Subscibed to
before me this
of
By: day Deputy h iff
A. D.
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 Amt Wurt-
----------------------- ---------------------------------------------------------------
CAPTION OF CASE
(entire caption must be stated in full)
CqP,W ore. %A (USP) OC,
(Plaintiff)
VS.
f,6A 1e g
(Defendant)
No. 0% Civil ,?0,6(0 i9
1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.)L ?U,?q?ylR ?l
2. Identify counsel who will argue case:} Q MV1
Weltman, We ni" be & Rels Co.
(a) for plaintiff: 1400 Koppers Bl ag.
Address: 436 7th Ave.
Pittsburgh, PA 15219
(b) for defendant: (412) 434-795,15
Address: &_?pLQ -Svlltv?r,? e
N63 =rt*%- PA t'1 O?
3. I Wild. notify all parties in writinE within two days that this case has
been listed for argument-
4. Argument Court Date:
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPTIAL ONE BANK (USA),NA,
Plaintiff,
VS.
THEODORE F. BURD
AKA TED F. BURD,
Defendant.
Case No.: 08-3086-CIVIL TERM
MOTION FOR SUMMARY JUDGMENT
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. 6523882
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPTIAL ONE BANK (USA),NA,
Plaintiff, Case No.: 08-3086-CIVIL TERM
VS. MOTION FOR SUMMARY JUDGMENT
THEODORE F. BURD
AKA TED F. BURR,
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
$2925.66 with interest at the interest rate of 29.200% per annum from April 11, 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 August 25, 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 he has made no payment on the credit card since
April 11, 2006; that he applied for the credit card; that the statements attached to Plaintiffs Discovery
W WR No. 6523 882
Request correctly identify the payments, charges, and balances on the account; that he has not submitted
any written disputes as to billing inaccuracies; and that $2925.66 is a correct and accurate balance on the
credit card account.
7. By way of his 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 $2925.66 with interest at the legal
interest rate of 29.200% per annum from April 11, 2008, and costs.
Respectfully Submitted:
By:
Benj in r, quire
PA ID# 93"5W
Weltman,Weinberg & Reis CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
WWR No. 6523882
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
vs
THEODORE F BURD
AKA TED F 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
06523882 C N Pit ABR
MOR
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
VS. Civil Action No
THEODORE F BURD
AKA TED F 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:
THEODORE F BURD
1198 SHOREHAM RD
CAMP HILL, PA 17011
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXXXXXX1460 .
4. Defendant made use of said credit card and has a current balance
due of $2925.66 , as of April 11, 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
29.200% per annum on the unpaid balance from April 11, 2008 . A copy
of Plaintiff's STATEMENT 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 , THEODORE F BURD , INDIVIDUALLY , in the amount of
$2925.66 with continuing interest thereon at the rate of 29.2009.- per
annum from April 11, 2008 plus costs.
1/X I
James qr. a rodt,42524
WEL EINBERG & REIS CO., L.P.A.
436 Se en h Avenue, Suite 1400
Pitts ur , PA 15219
(412) 43 -7955
FAX: 41 -338-7130
065 8 2 C N Pit ABR
This law firm is a debt collector atte 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
BURD, THEODORE F
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.
T CY TAY
Jbic
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No bli
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i EOF7, is.? D?;•-tiLclOUVrY
My CO±;N? !h 4 E,, EK"Nl 1;=5 NOV 4, 2011
4388641398301460
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.
THEODORE F BURD
AKA TED F BURD
Defendant
1. Admitted.
2. Admitted.
3. Admitted.
CIVIL ACTION - LAW
NO. 08 - 3086
ANSWER
4. Admitted in part. Denied in part. It is admitted that Defendant used the credit card.
Defendant is unaware of how much he actually charged on the card. Defendant has
no knowledge concerning the April 11, 2008 balance. Defendant denies that the
claimed current balance represents the actual charges through his 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 Q-5' 2008
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. CIVIL ACTION -LAW
THEODORE F BURD NO. 08 - 3086
AKA TED F BURD
Defendant
VERIFICATION
I, Theodore F. Burd, a/k/a Ted F. 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: LIA , 2008 0, y . G` Q
THEODORE F. BURR
a/k/a TED F. 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
THEODORE F BURD NO. 08 - 3086
AKA TED F 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., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
DATED: June Ga0% 2008
Barb-a-ra"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.
THEODORE F BURD
AKA TED F BURD
Defendant.
NO.: 08-3086-CIVIL TERM
PLAINTIFF'S FIRST REQUEST FOR ADMSSIONS 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:
1. 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
ow
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 "Person(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 person(s) means to state the full name and present or last known address and business
address of such rson 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) identify each and every person(s) participating in such an act; (3)
identify all other person(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) identify 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 DECEMBER 4 2005 through JANUARY 3 2007,
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.
REQUEST FOR ADMISSION NO. 3:
The last payment on the account was made on APRIL 11 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:
$2925.66 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.
??0?57
Be j . Biller, z--
PA .D. 3598
MAN, WEINBERG & REIS
CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-79555
WWR: 6523882
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
y ,<
Request for Admissions has been served by U.S. Mail, on the 45V4da of
2008, upon the following:
Barbara Semple-Sullivan
549 Bridge Street
New Cumberland Pa 17070
J
You're Pre-Approved for the Credit You Deserve.
Please show us how you your name to appear on your card if different than below
First Name M Last Name
This offer is exclusively for:
0957244245537 033 016
Theodore F. Burd
57 Fairview Rd.
New Cumberlnd, PA 17070-2404
Please cross out and c5ange address if neorssary. Use only blue or blade ink on this Acceptance Certificate.
Offer Expires: January 30, 1997 1 20 4212 002 71176 016
What is your annual salary?
Would you like to receive informs
PRIMARY r " pnHOLDER
soci • 5 480
Employer (N/A IF Novel Affl"tC,&pj
SECONDARY CARDHOLDER
Social Socarity N
Employer (v/eiF Novey
uo? $0 - $25,000 R $25,001- $50,000 ,.,? W,001+
tion regarding other financial services? ? Yes ? No
_ Date of Birth 141 / 28 / $ C Home phone ( 111 ) 11s4 - 6 4 "t 7
9en?L fupjg r T Business Phone ("111 ) `t 1V -4, *7 0 9
DA of Birth ! I Lome Phone
Business Phone (
Security Account Funds enclosed: f . Make check or money order payable to Capital One.
Credit Card and Security Account Assignment Agreement
and Taxpayer Identification Number Certification
I (We) here read the I1100URNf DISMIAtE pip EWTION and AIKoeD mom khan tfoo on the reverse side and agree to be bamd as spewed
tberek. BY S* ft below I (we) am requesting 1101 a credit card std a SeaR* Aaotmt be established in my (our) rune. An applimt, ff muried,
may apply for a separse account
I (We) tmdenamd do the Funds in my (our) Sewity Aooouot vA be used as odweral to secure my (air) ardh card obigatiow I (We) have rod
and agree ro be bound by the Secorhy Atxnrrrr AmOmaa Aff8m it provided an the reverse side of this Pre-Approved Acceptance Certilkw-
I (We) have read the Taxpayer klendficadon Number Caution on the reverse side. I (We) understand dat the Intemal Rm=ue Service does
not require my (our) oonsent to any provision of this domman other than die certifications regWred to avoid backup withholding.
BOTH MUST SIGN FOR JOINT ACCOUNTS
X Primary Sigriature W(lt, taw IN I ..J Date_ 1 / 13 /47
Secondary Signatum
Date
202616
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Capital Q° PLATINUM VISA ACCOUNT
4388-6413-9830-1460
DEC 04, 2005 - JAN 03, 2006
Page 1 of 1
Account Summary Payments Credits and Adjustments
Previous Balance
Payments Credits and Adjustme $1,470.32
nts tm
Your scheduled payment has not been received. Please remit the amount due appearing on this statement if
Tnnaactions $35.00 you have already made your Payment' please accept our thanks.
Finance Charges $35.68
Transactions
New Balance
Minimum Amount Due $1,541.00
$90.00
1 03 JAN PAST DUE FEE $35.00
Payment Due Date February 03, 2006
This account's Non-Introductory Rates as of 12/20/05 are: purchase A.P.R. = 27.74%V, rash
Total Credit Line $1,600 advance A.P.R. = 27.74%V and epedsl tranafa APR. = 27.74%V. If the A.P.R. is followed
Total Available Credit $59.00 by'V,' then your corresponding AP.R u a variable rate.
Credit Line for Cash
Available Credit for Cash $1,600
$59.00
You were assessed a past due fee of $35.00 on 0]/0312006 because your minimum payment was not
received by the due dart of 01/03/2006. To avid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Atyourservice
To nlt Customer R& ion or to report a lost or sWea m-&
1-800-608-5227
For free online.aoant -loo and special a.umer effers, log on to
www.oslahlone.eom
Send Payments t« Send B rkiu to
Attn: Remittance Procuring
C.pml one Bank Capital oars
P.O. Box 790216 P.O. Bor 30285
St Louis, MO 61179-0216 SLC, UT 84130-0295
Fluianee ChaTa Pkam tee re iejukft inpodant inra wotion
Rdw Pffior. C_=11111 ME
O
PURCHASES $1,48751 .07737%P 2834% $35.68
CASH $.00 .07737%P 28.2^ $.00
ANNUAL PERCENTAGE RATE applied this period 28.2496
PLEASE RETURN PORTION BELOW WITH PAYMENT
CapbWow' 0000000 0 4388641398301460 03 1541000044000090003
New Balance $1,541.00
Minimum Amount Due $90.00
Payment Due Due February03, 2006
Total enclosed $
Account Number. 4388-6413-9830-1460
Capital One Bank
P.O. Box 790216 11111111111111111111 11
St. Louis, MO 63179-0216
111L11dL11t11111111111111uu1111u1 11 1 16u11111161Ld11
Pkaa witeyor armmt nrmderonrm
Pkaret-d_rgdira? eMraildrmrerrMbeovuybhrerx?k ink
sues Ape 4
Gq Stirs ZIP
Home Pho- Alremsta Phone
a
pmsilAd&-
#9000431587680578# MAIL ID NUMBER
THEODORE F BURD
n 1198 SHOREHAM RD
O1 CAMP HILL PA 17011-6135
a ?
° ? 111111L1111L111111111dIJL11111111111111LLIt1L11111111
dwA m money miler madepa war kto Capital One Bank and mail in the endwed nraelope
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IN
t a. Ora» Period . You will low i minimmom grace period of
25 date without r- a row pWsan, new
balares tna/as, now eperid p.dre» and row odw
chang» if you WY yacr haul 'lbw fmaisrncs', b
acprdaee with to anpatfam Notice for psymamn below,
and M dime for It to be Clednd by your must statement
Them I. no Cal
puce period
•PeciV transtsro. bad nh. threm, 1.
on eery transaction H you do rot pay tba toW 'New
b. Aesrip Fiusea Change. Transactions which are not
keno eta, date of the transactiolimencs, n or 2) ftan the data the
detection is processed to your Amount or 3) from Ito
flex naleder day of the canon[ bin? oadod AdddmhiY,
if you and rot pay nil "NSw BdA! from the pnwbto
u your up id balance udl do unpaid balance Is paid in fill.
This moor that you may an owe Atop changes, even H
You pay the ends New Balance, ideated m do hat of
yam sbbnnant by the net xastmnt tiesitp date, but and
net do » for go poveus mandt Unpaid AWICIs chengee
are adibd m tin app/?s egret of yam Account.
t c. Mdmuw ifnahae Qrga. Fa sail big P.= rim
metal R14ANCE di?Ui(iE of W.60 wt W?Inpewd H the
total Avrce his fiom ghs yeadai of
pose m the to filson 60.50 Fabrimum ad the difference will be
wit fro
t d To porey Ri oodan b fii - IYhrpe. We renew the
dyt mgr nottdaw» any or r Asrce drp» fa any ghwn
2. A=Dalty.1 Nsw IVdrs»l.
e. Fiance chomp Is Co- tnwlYp)ep the MHY
balance of era as III of your &occ rs ", cash
advance, purchase, special tear eft, and special P rc h we)
Qefiy Dehlodo rebates that Ica been
by tin cren
PsNelly ? m you. At the and of each day during
==a gs ?xlodc exit (« »dh
egue m ds dbiiyhpiairnc? of we add
sognarld. do moulm of tlsxie do and my ep Clot Is ? x Yar up
psdnde lkhanhre cusps for each sspmeenC We add tp the
scab hem each esprhet m ardw x tin toW periodic
&wee charge for your accalar. To gx ttr baiamhce
for each or ad, did
t of You
ama ewnritytake the
.endarty htiti atV, c orpe plT. op do pteNaa
days for fist sstnheet. We Nan abdaa
or as of day Ilrant
to?Ur espnert. Tli ows, hr the esparxa daily bdane
for each •aVrret of you aoeout. Itorvever, if You geld d.
hll («
New Balrws at- - Yam PsNxe aulamelt In
If you rrw bolero car zoo « a asel anhohat), rave
periodic tea To obtain the average daily balance for the
h{Nng Pe covered by this lsommem, we tae. The
bsymap Wlarwe of each egnan each day, add cry maw
vxwcaao A= I"= ad=%t anY a
st cement I
statement rt axd [ to t 'BNanee app Res »a p disc from
Applied Ili ue also
subtract arty unpaid finance drops khdhded ed m the balance
of each sepmern.) This gives w the daily balance of each
Then, we add up all tin Mayy bdancea for each
se»V i•ne lot the hiltbg peeled and dMde by the tad
nnhher of days b the a-eq period Thl glues u the
average daily balance of each segment.
3. Mel Pareemmps Rae» CAPRI.
a. The teem 'Aessal Percanapa Rate' may appear as
'APR' on the teal of tNa sut•mem.
b. If the coda P fPdme), L (3- LIBOR), C (Cerdf{rata of
GePo•iti, « S (Bekcard Pdms) appeals on the tire of
this .tarmtaemt nos m the periodic reels), the psdoec
raw and earapadne ANNUAL PERCENTAGE RATPS
may wry quarterly weld may I cwese or decrease based
on dhs sand Inclose , se farad In The WAF Street
J xi* per to mapn gaNoWy disclosed to you
These can b eAxYw on tls 11ut My of you
N-q permit oovaad by You• Pdoee.etatarteN erring
c. tine coact u A'nenhs/, r t e yew. avert a v h.+y,w.
LIBOR Repriced kkmaiN appals an the death a your
tanhaht art m 1ba oerioec rate W. tlhe Dedadic totem
Peoplem Is solely msponsv* for this offer, and is not affiliated whir Capital Ons. Capital ON does not provide, endorse
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Service not &at" in all areas. Access fen, taxes, and other fa» and restrictions may apply Telephone loll charges
may apply, even during trial periods You are responsible la determining whether a call to one of our access raarbers will
result in Idepfara toll charges. Access may be fsdted, especially during tines of peak usage. Dial-up nurbos may be
changed at PeoplsKis discretion. Continuous tee subject to dmeoul procedures. Al use is subject to PeoplePC Online's
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O 2906 Pw*K Inc. AD Rots Reserved. PeopW Online and Its logos are trademaks of PeopePC In the U.S.
and other wuntries.
0 2006 COW One Services, Inc. Capital One is a feder* registered service mark All fights reserved.
t found in The Wet Street Jissemst Plus
e Us V 10
tning Period
4. A»rwpont of Lab, owriwlit aM Returned Paymat Feast
You amount will be aaae»ed -more thin two of the nn
Hoped here dot ocar du*V any bMV period Under the
tams of your aetonter apearwm, we reserve the dghe to
-d- a rho to aasese any /see without prior notification to
whhat waiving our right to a»an the same Of dollar
r Cane.
atown,
6. Yau Aaaant. If a tromberahip fee
appears on the from of this summent, you low 30
Myer from the data this rutemem was mated to you to
avoid paying the fee or to hew such f» crodted to you
If you .-al your accent. Oumhp this period, you may
caednle to use your so-" without bating to pay the
membership tee. To caned your account, you must
notify us by es" our Customer Relniaa Department:
:=1 New Bolace h full (gnkWp the
il) pia to the and of the thirty-day period.
6. H Yell flame Your Aeewet. You can regeel to chase
==Z91=1 r Mtsfianha
eccoust access Celt urd(ai ad
checks, tercel all pswthalzd bihp,
p
ad cease malahlpllyoqu account. If you do rootpcaan cancel
repot a charge, your a'"c'B'fi° will consider
of + r ebe clos:d
account. Additionally, your seem" will n 4
Cad you pay all amaats you oval us kwkd 0: shy
transactions you have afpnrized, fiehanhce Utrgn, Past
due fals, owemlt fa», roitaned payment fees, cash
advance have and any other lose awlessed to Youe
asou m. You are raeponsi6le for these amaata wthether
they appear on Yam acaoust a the time you request m
mi0» the aepleli «Iley ere bNmd wLee¢mem to
Yam rognrrt m dose e accw Thin may recast In
dsroen am»ebo onthvw accat.at ahem ywd hew
sof
you accent if it has area* been, d»ed For example,
if you audtoMad :x d sm from a merchant and we
reoaivs the trrrforam the nsndhe t afro your
account how been closed, your account -0 be k
the amount of the csmpe?unit be added m your amant,
end yyesa can be reaporhalae fix psymat. If note b a
membership fee for your amour, the f» win eontkare
m ba tlorved, m the nment pamittmd by law, until the
smart bslrra fw been paid in aN as defined above.
7. tAiip Yaa aeoaat.Y- Card « acccum -t be
used h Canehactiorh with any freeman ganrWAp
transactions.
S. Nod-/Wet 17sab«ls Chaak Co-oml- When you
provide a deck as payment, you auledle us sidor to
tee Irdonnation from you cock to take a or -ti e
wacmhk dud trasfer from ve r butt amour or to
pop» the » a dock crammed- When we
IN bmmstiorh Roman Yam check to make an deettatic
had transfer, find say be wkhdrewm from your bank
account as soon as the some day we uaiw you
WNrsm, old you can not meet- you cock beck from
your ffnwrid ahdo 1_
BILLING RIGHTS SUMMARY
(In G» Of Fiasrs or Ohsalker Abort Yam OW
If you think you bill is vraq, or H you now mom
bfomwkn on a transaction or bN, wile to nil on 0
separate aiset - - as posaWM at the address for
i quides dewwn on the text of tits rtatemat. We must
hoer falls you no later Ilan 80 days other we sent you the
first bill on Wick the euor a pnehlann appealed You can
call our Customer Haiatiarr number, but doing so will not us the 1holl-ving
poselva
mf aaYaw mane aid acconit m?mbu, is Mgar
amount of to slpserd era, a Maedption of hiss error
and an explanation, 11 ponAle, avamy you balk- Asa is
an ewe: or N you teed mom ithfermhatioe4 • description of
the hen you ere utas, about. You do not hew to pay any
amount In questim whits caw are In, it, but You
ale ON obNqNlmleto pry ft path of yam IMt am not
In godan. ? we Irl ..li»te you question, wit carrot
report y aka any action to collect the
mount you quesdori.
i,t Special Rule For Crest Cam Purchases
It you hew a problem with the quality of property or
=111 t you vddh a credit card and you
b faith to pwaet the prdian with the
merchant, you may have to did not to pay the mnndi irnq
amaam due on the =Fty or aerNCaS. You hew this
protet7an omy wts the purdhre» pdu was nitro then or
460.00 and the your vwa math al yam home man
whir 100 m arc of yam manrtp addroaa, (11 caw own a
agora to merchant a it vre ntaitsd yam the
fa tlr propswy «»rv{ps, d plrchas»
davenlasw.nt
am pverod mynde» of •nra.d
pane remember to ape all rnrnepahdeehp.
t Daa -1 apply to corawamer nos-eradif raid aecou to
f Dona slat apply as &-be" --,Cradt nand accounts
racy protection: sas our
setup a -rk of Cphal
OILL.OLBAK
b. H tin cods Y « N appssre on /M fleet of
ism m Balaee`?e?pplled Te we on
lepertwt Napes: Paynlsrns you maN m us nn b aeetd m yam amwart n of tin hunWs» My ws lsoNw H, provNtsO {d) yw send tis betom ponTlan of thin suarrrat and yam csek
b rho enclosed earlttro anvslape and U) yam paymwt ts nsCaivad b w cats by 3 Pm. ET (12 shoal Pn. Please allow a heart five (6) bnkhaas dap fa pptai dalwry
Psytmsrts teodwd by us e eery rdsr loestlan a b arty opsr tpn mry mat bra cndud n e tin My wit roalw gam. Ou baaiwa days as MadsY riwyh Seuday, exokdrq laldsri.
ax?aumt br0o?aetcuo tlneMdclkp. etC. dw path PeL N7han you send us a dsckW You auNwdze hr to mob a arhrtine etscgaie treater t1ahR flan your bank
us to mob a chengs ageleM y bank?soowtiaYnp?iM?cta?ck, a paper tk h aodna Hen. ? ? ? awn if sort by aomeona else. If vw pmot grocer tin trorrler, you sudadza
04
Financial difficulties?
We can help! what8fnyoarsstaUet7,
• Good credit can be important for getting an
apartment, a cell phone or even a job.
• To avoid risk to your credit rating, call
Your account is over 1-800-955-66oo to use our free Check
by Phone service.
3o days past due. • If you prefer, simply use the payment
coupon below.
• If you have online account access, log on to your
account and pay now at www.capitalone.com.
The purpose of this letter Is to collect a debt. Any Information obtained will be used for that purpose. 041-0404
m 2004 Capital One Services. Inc. Capital One Is a federally registered service mark All rights reserved.
CapiM10W
Account
Previous Balance $1,541.00
Payments Credits and Adjustments 00
Transarmons $55.00
Finance Charges $37.41
New Balance $1,633.41
Minimum Amount Due $139.00
Payment Due Date Much 03, 2006
Total Credit Line $1,600
Total Available Credit $.00
Credit Line for Cash $1,600
Available Credit for Cash S.00
Atyourservlce
To can Customer Relsdamr or to report a last or xtolen card:
1-800-608-5227
For free online swNst _'ia and spend outomer a ia%log on to:
Send pa7mmb to: Send inquiries t«
Alm: R..dta are Prooening
Capibl One Bunk Capital One
P.O. Box 790216 P.O. Box 30285
St Lou6, MO 63179-0216 SLC, UT 94130-0285
PLATINUM VISA ACCOUNT
4388-6413-9830-1460
JAN 04 - FEB 03,20%
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 03 FEB CAPITAL ONE MEMBER FEE
2 03 FEB PAST DUE FEE
Year 2005 Serenity Account Information
Account Number: 5455191469
Balance on 12/31/2004: $344.89
Interest Earned: $3.96
Balance on 12/31/2005: $348.85
"Impomnt Notice" The interest earned on this deposit does not meet IRS reporting
requirements. If this is your only deposn, the interest will not be reported to the IRS and form
1099-INT will not be provided. Interest earned on multiple deposits will be combined for IRS
reporting p s. If your total interest earned is $10.00 or greater, it will be reported and form
1099-IP1T w U be provided.
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 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 $35.00 on 02/0312006 because your minimum payment was not
received by the due date of 02/03/2006. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
$20.00
35.00
Finance Charges Pkateaermffm idefirimportant?iafamaattwx
Add..* Pnadr f anrrLa.JGr? CHARGE
yrrwf. .t, eIPPKR
ro PURCHASES f11559.66 .07737%P 28.24% $37.41
CASH SA .07737%P 28.2^ f.00
ANNUAL PERCENTAGE RATE applied dw period 2814%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4388641398301460 03 1633410044000139006
New Us= $1.633.41
Minimum Amount Due $139.00
Payment Due Date March 03, 2006
Total enclosed $ ?1
Account Number: 4388-6413-9830-1460
Pkarp.W-rmr M-m.Lore-maW h gudrbmai rK--M.Ai L
Sit
Cur S" ZIP
Ham, Ph- Ah ssuPh-
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E.aaAddno
#9003531587680572# MAIL ID NUMBER
Capital One Bank N THEODORE F BURD
P.O. Box 790216 111n111nn11uu1,11 1198 SHOREHAM RD
St. Louis, MO 63179-0216 m CAMP HILL PA 17011-6135
e _
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Pkxe ruriteyour acwunt nunAff m ymrr d=k or moray ardn madepayable to Capital One Bank and mail in The enclaed enwelope.
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8
WO
ON.1
O m
wll Iwo i -mirkn m pace period of
rrho tlrNe, m new padres, row
raw ietlY I . and raw other
Yyour cool 'New Nalsce', in
kamtra Notice for Doneness below,
coaiq dw. There is w pace PW W m cash aar
and *add trrrfers. In sddklon, derv is no gram period
m cry trrhndlah It you m not pay de tool 'N-
b. subiria to • gram p.W em hoard tbwaa Accruing Fir Is Change. Trarroactlons With am me
from the date of the uwwdm « 2) from the dies, the
tmnsdbn is D1ef Bard to your Aocou t «3) from. the_
billing period in full, Armco charge! -Am to scam m
your tepid beir nm tM ft ur"W baMrrs is paid in frI.
This mere that you may aNl ovro francs carps, even It
you pay the andro New Bolroa Indicated on the tart of
your atatenrrm by dr recd sutsam coahq date, but dkl
chat dD r for the proNOU main llr.ald ikeroe Wrgn
owe added m Uhe appNcaWe sogrrner[ N your Arsarm.
t c. liuhrhaaa F'rhaneer bCJ?hsrafa• Fa each bNiW Padad that
maul FilielfCE ai?NOE o1fNp30-lhO udM M?rnPO.ed- IfytaM?r
perisdc ratNal is Mso tlhrl 30.60, we will aa8emct tfrt
.man ham dr 30.60 rrtHnam rd me, dfisnaoe vets M
=:=y"' Pte"-r aaaui.
td. NsBMkn is Ohrpe. We resave fM
given
dpht mp snrot o f derr aaW «N finance changes for any
2. Avaaps Dally BaNea ( Now gralrsas1.
e. Rhohce th=.= Is W 1M dally
balers of of your arrant (s.a, molt
oth" pudeae, egad- ====)
At the of m you. A W N each
for
Z==.:=% dsl p wk rate day
0 fh rolarhm of arch
agawr. Than at the end of tha prod, we add rq
the rortka of those mloldI as m smw rt . We
a fr- a et dr total pea 6c?
lures creeps for Your ahx:orrm. To gm de dNy balrhm
for etch egnrm N Yoh aco .C we aloe the bapinkhp
balms for each !e(pterm not addrhy sew trnrredorr
sad stwy ppssrfpdc Brhraum rirrpe =.-= proNaw
drys . . tir« sprorc env
p
to dirt rgrarrt vsruro « CrsdTO dr u te pond owe N the tlrtrpmu dry tfrt syowbal Norata
padede
for eachaaprwx of yov ao ex.- N Iii («
Ne,w Balms ahovm en Yoe Pr
d Your new balrhm raps zoo or a cmdt roan), sew
trarrsctbr which Pon m You puce-. a r.Clt
ml? dr ?aedsmNy[3e?drtout ?V aamb«? t
hairhcaa tnmdrr .E dv{ rm by de NY
y tle nmbar N days h fM bNihp
oh a dally baals, tleere may bas e
di caloletlon end the ruhant of
badiahfiq balance, al each segment each day, add arty new
trMwetlar m each aepnmt, and subtuct:q pe}made
a creAte. (If the code N appearo an the 1mm of tlia
nammenrt -== Nate AAl , ve also
rbtract any pe-rdudW in the balance
N saM spna?.) This tM dolly balance of sdh
. Then, ?p pup 10 dally balarroee $ .each
umberN caw is de bNWhN ; d=41 M hu fie
dally balers N each aegmem.
3. .-ashy mesa IAPRI.
ac
a. TM n 'Annual Nate' may appear
APR' an to had of N this cis st ata[emrn.
ertltcats of
b. If the code, P IPdmel, L (3iso. L1BOPo
Depo"' a S l8rhkm rd Ptrne) =' , Cm(Cthe trod N
IN. Nstanad next m the pedodo arrow de
rates and q ANNIAL PI A AO MTES
y vary gsrind may Inemas «deasase beard
mmaLv eared I dr, as bud I. TM Wag Sam
doa'neG Pe to ouadrh pro y declosed m You
Thee hwgs wRl M NNaI m ,M tent day N vase
bWlrhp ptledod covered by your pedoda aauxnam adno
in tle menthe Jam er .Wyy rd Oclohar.
c. If the Code D (Priam), F (t aha. L1BOPo a 6 (3-mo.
UBON Nepdoed MonrNy) appsaor m the fmm of your
reenn era m tle oadode metal. 1M sdodc rhea
dr mentYrh Pm Y dahnora m You i one awgea
wi M atleetlw m the ten daV W your tlNYq Period
each nmv&
4. Aaasawm of Lau, OwriNt and RsbmnW Primsh Fr.
Your local chap M asassW row moro dear wen N the fen
Noted Mq that occur dnakrp cry bNNrhp pealod. Under the
tenna N you aralerahar spaeemr4, we Isae,M the = to
waive « not m arar am fr rdtlaxrt afa notlllmtlm to
vltlhcu wanting our high m aasr du nme « almNar
rt • Wer time.
6. rev =71==
hs fthis sutomens v am mNed m have 30W to
>
avold the caw sheen de date haw s you pvisg year tor, to . D each bas txedi/W to You
If
e
It was canhcd yournuo UdrfN this period, you thmay
mainte m tee war aemrm v4tloa Mvkrp to pay the
ambeMip tee. To eanc?al you aornsm, You mat
cotlfy u by ca?oo parr prltaasr Naladona Deprmam
end pY is) Ptl«I al Msdedy period.
& N You err tae Aeaoae. rote con rogaet m does
your ahxoum by coirtp au Qatoroet NsMtlanr
DsysahherN. You man dstroy your rredt keen) and
acoarn accus decks, runoal N pronNgmzW ding,
and cane uiq Ya+ acooun. It you do not canrnl
pmaut orized hilahp lrrarlNsneMS, we vM earrMsr
recaipt of • tarps yov araledzsti m aapan van
aaaam. AddtlaeBy, You ocean vhf rot M eloaed
and yw pY N amorama Yco owe tea kokrdrrg: arry
trrradlore yso Mw a?eri , trlanm Wrps, pert
dus ir, owdkat fes, ronaaed pyment fr, cash
sdwrcs tees aW achy odhsr ion aaeessd to your
cocas". You aro rapadDis for the amcums wKINal
they aggro on you nxaam at dr Wrte you aegeeat to
done 1M account «dhey aro Nourrod letbae,9urm to
doe: tM account. This may moult in
=16=m
rho m vac aoeaan after you Mw
your accoua f it has already been closed Far example,
If You aulra6W • pub from a merchant and we
reoelve the errractlon ban the msrdrrt after your
aamram has been closers, your account wM be roopred,
the errant of true =r be addtl m vase accaaa,
rd yyoouu be rar D • If there Is e
mennwolap fee for yoe WORM the Tee will =draw
m be ct u tM Inner pamhted by sew, teals the
acconsm birm .as been PW W. frills calmed ebow.
7. ===Your card a accuum cannot be
Nh achy rmernst g^t^W^g
transoctions.
a. Molbe About Ekes-" Clwelc fburwsbuh. When you
u
u Inmmewdm from your deckm mks za an*-*m
ebaroNc fad trreM frown yor bet acoaad or to
proms the yav so a cheek trrrrr.Urh. When was
um Mamatlon fi?mt your deck u make s ekwaie
fad mangler, fade may be votlhdrswn from Vasa bark
account r son as the some, dry we remiw your
pymra, grid you vA not aeeeive Your check balk ft-
ya? finerrlal YhsUUNorh.
BIWNO NIONTS SUMGrMANV
Irh Gs Ot Erma Or neatlw Abuuf You &N)
If you 7hNk you bill is veahp, « If you need more
a
Intamatlm m • raaractim « bill, write to u on
saperau afeet sow soon as poaaMs n tlha addun tar
irhghiuias dhohnn m 11r front N cis rtrterhheaht. We rout
her fromYwfidh ou nc Aar den 80daw titer we sad you the
lien bill en the error a pmblam appsrod. Ym ten
callour Rrtaner Nelatlona nuiv r, bu drirhg so vdll not
fdlowrhp
preesuve wu d(/s, In Your letter, give u the
taematlat war rums aW aoco se nuriber, die darer
amrmn at the suspected emor, a tlncrlpden N de :nor
and en erpMrudar, If poWhis, Mv4r?. You believe there Is
an :nor, «if you need moro istonnatlah s dredpd- of
the hem you an ueue about. You do not have 1 py any
amount is vdie was aro Mvanbstrq N,atEha Yoe
aro ob uo pyYh vdae?ttppar?o of your bi th .n rot
ti quenlarr, we hoe, you aesdm• we tenor
uepm you a deMqurrt or aloe am • to called tM
ennaram you quertlar.
i,t Special Rule For CFwk Card Purchases
If wu have • pFdA m with 1M grn of =-Y-
-,O 1et you widh .&I Mw tiled h taltlh .= the peablan with tle
merchsrn, You may Mw 1M ? not m peY the ='rirhp
rman dueoNm tvlde pmprtY?«es?s?pO?Sa. ? a
3?60.0?0 and tle WrdeslM vas! made in Yea home Noe «
wfdot 100 WAN of yaw mriWhp adder. Ot wte oven «
opatNa 1M merdwm, «Af woe muted You the
adwrtllenerm 1a dr pmp?ty «sarMOr, N purdhsee
au hxwred roWnles of emorH «IomYm N Pardus.)
Plsse romember m sigh N oorreapadroe.
t Dos not apply to cosuom, -&-.dlt -1 mcaaea
i Doer roc apply M. Aaecass -"dff call -We
privacy protection: r ore
rod service mark of Capital
Iris reearved. a 2003
01 LGLDAK
b. if 1M code far NM Mean M the from
and mBolan s Rao AppNW TD'
Nnpoord Nstlss: Paytrwma you mN m w wi be Credited to your accoram as N IN business dry We resolve it, ProNdsd {1) You send " bodam patlon of Ills :trtansm and Your cock
is tM anc?b ad raedarres envelop and (2) vase« wYnham Is rocalved h w aossr coma W 3 p.m. Ef (12 noon o PAas alkw at Mart 1w I6) bwlnss Nw 1or postal dsNwry
Pavsahrms received by u at any Inhissr,Isellisn pFFnaprty oNryxwbr penl?mnaayrrtnot be eyrowMW* as d tM dl vro mmiw tMm. W business; Nw aro MwdaY drwyt Batted! , wadWrtg haidaYs.
acconad br de antan o? tlfs clock Tlie wMalzagm apples m a8 coda malwd durrq bRrgk cycle evert If ram by aonfs:re am.. If " cannot pacers 1M tramNr you authalze
u to make a charge against war batik amount using de Uredt, a paper draft a odor hem.
• Now with
FREE Accelerator
• for the first 12 months'-a $60 value
9?
8 ?
a month for
first 3 months;
Z9.95/mo. thereafter
SIGN UP TODAY!
' 1-888-587-9669
Mention Offer Code: EMERALD
Or visit www.peopfepc.oom/go/emerald
CapitallOw
Account S
Previous Balance $1,633AI
Payments, Credits and AdkNtm cats $100.00
Transactions $35.00
Finance Charges $33.81
New Balance $1,60222
Minimum Amount Due $87.00
Payment Due Date April 03, 2006
PLATINUM VISA ACCOUNT
4388-6413-9830-1460
FEB 04 - MAR 03, 2006
Page 1 of 1
Payments Credits and Adjustments
1 07 FEB ELECTRONIC PAYMENT $100.00-
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 03 MAR PAST DUE FEE
$35.00
Total Credit Line $1,600 You were amassed a past due fee of $35.00 on 03/03/2006 pause your minimum payment was not
Total Available Credit $.00 received by the due date of 03/03/2006. To avoid this fee in the future, we recommead that you
Credit Line for Cash $1,600 allow at least 7 business days for your payment to reach Capital One.
Available Credit for Cash $.00
Atyourservioe
To can Castema Rdatiom or to report a loot or rtolen card
1-800-608-5227
For free online aooouat mvim and special automer 4aa, log on to
v..mpihlone.com
Seed Paym-b I. Send inquir n I.
Attn: Remitbnca Processing
Capital One Bank CaPiul One
P.O. B- 790216 P.O. Bor 30285
St Lou1s, MO 63179-0216 SLC, UT 84130-0285
Important Account Information
Please review the enclosed privacy information and retain it
with your account records Also visit
www.cspimlone.com/aeditcards and dirk on the Vuh the
Guide to Benefits link to learn about your latest Vin. or
MasterCard. account benefits The descriptions in this online
guide replace any information you received in the past. For a
pprrinmtted copy of the Guide to Benefits, all the Customer
Rdatiom number on the back of your card.
13
Finance Charges irj
o
rm ti
en
Xwejeereaamrideforinnpwtant
Bdanarde ?
?
l
(
Pensla c°t'
°R 'r
?lb P
l;t1H1(li?
rook
PURCHASES 81,560.46 .07737%P 28.24% 833.81
CASH 5.00 .07737%P 28.2N6 S.00
ANNUAL PERCENTAGE RATE applied this period 18.24%
PLEASE RETURN PORTION BELOW WITH PAYMENT
+?a 0000000 0 4388641398301460 03 1602220100000087009
New Balance $1,602.22
Minimum Amount Due $87.00
Payment Due Due April 03,2M
Total enclosed $ ?
Account Number. 4388-6413-9930-1460
Sear
City Sax ZIP
Home Phoos Altanaa Phone
E..a Add-
#9006331587680574# MAIL ID NUMBER
Capital One Bank THEODORE F BURR
P. O. Box 790216 1198 SHOREHAM RD
CAMP HILL PA 17011-6135
St. Louis, MO 63179-0216
it I I I I II IIIIII I I III I I I 111 to I I I I I I I I III 911/111111 l 11 It I111 11 ° nut I Irn n 11 Be 11 rr 1 1 1 1 1 t1 n 1 u 1t1 n 111
Plum unteya amount samba m yin dmci or men y o'da madepayabk to Capital Ow B=1 and nail in the aularrdraasclopu
003
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may apply, even dryp trial periods. You are retporemle for rbtemmkirg Mredrer a all to one of err access rarmhas wig
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Oro,
1. How To Avoid A FMnea Cfn+rg+,
ate. To obtain the average duly balace for the
your sccotat if it has abed/ bees dosed fa example,
t a. 4Uaeo III . You vM how a ntraman rates period of ooverod by thin stetemert, v eke the
Paled f you +uMdzad a -= from s rnudrn and ve
25 days whhart lbonce, drrye on row plrcraes, new
udraee and now anther
n
w
e
W
b
l
t
b b.*.kv balance Of each segrent aadh day, add any new
and admact any gpnems
trenucdoro to each se
yhxm reot{ve the }nsreeedon flan fie nnerc ort after your
accaaa has been closed
yar accent wM be reopened
aoe
rarr
y
p
a
m,
o
c
dugs N you pay your Wad -!taw 8abree', bh l
,
a credits. Of to code N eqt n on th front of ttda
' ,
,
the tenant of do drags vAl be added m yar acatsm,
atxzaWns v4m tlhe brpanrK Notice for psyntats below,
a t
r
d f
k
f
di
d
I
b Balance Rate Applied To: ve also
tnmenl non m
.
uded in the balance
aMreu an
+id Fenhce dra
t+I and yyesou wiY be responsible for paymem. If them is a
manbemrtD fee for yar acmut
the tee will mid"
W you rot
eronr
n [
ite
or
t m
e cre
te
an
Wig dine. Ttoro Is no grace pentad on rerin adwnceB
ntad
l
h
b
d
dY
f
I
ldi :g
g
y
P
of each s?hak.) Thb gives tr 1ho utiy bI- of each
+g the dail
balances for each
ae
Than
we add u
m ,
m be rhergM, m he axle pamhtsd by lawn, usi Ore
axant blenhu tw been P+Id In fed n dsM1ad above
ati t
em
a
ape
tnrta
sm.
n et
t
no g+e+ pe
on cry trarractlorn if you cis not Pay m+ Saral 'Now g e
.
,
p
y
Yr+elht for the tlllbhg pedal and dNde by the told
+ .
7.
.Yaur and or account Gannet be
Y
bslres.' ?
ber of drys In the blMrhp period Thb gives to the =
:=
wMh xhy Internet grMiq
b. Aeen*V Finaee Argo. Transactions vNdh am not avenge dally beiance of .h aegmem. van ..d-
abJsrk m agrans puled aA creased Ibrrhce drys 11 3. Amnml tieersaga Rio fAPRI. 8. ebeW Abort ftoaseNo Cook Corr-sisr. Wtan you
marrn tlr dam of th urrrAWh err 2) from the date the
trarso.dden Is procesesd to yotr Accaat a 3) from the a. The term 'ArsW Mrotrrtags Rats' may appear as
API' on to from of Ida slalemant. Drevfd+ a dedt s paynrawt, you anttlrrbs r aftlw m
tae bfr .kit from you tdrdt m [seta a onetime
first calendar day of the current billing Period. AddidaedV. b. If the code P Vdme), L (3-mo. UBORI, C (CUtificaw of eleclorte fad transfer from yar buds arson[ a to
if you rob not pay the *Mw Bal+nncs fmm the prwbtr DepoalU, a 3 (Ldrurd Prkro) appsen on tic [rest of gocsss?ymat as a , traractiou What we
b
e
d
f
o
k
b
bunt pstlod in kA, 8rrhn drrpse certimse m aoense to
yar apeN byres uW the upsW balrre b paid In M.
Tris mrrr that you my M/ owm M1wros d-W, even if [file strtamat rod to Ate petode mbW, the Mm
Fetes and ?rra?orhdnp ANNUAL PEPCEWAO
may wry girroeily. andmsy bcteaer or deaars based m mo
- a
ra
e
ute
rom yar c
c
e
had u 16., bnda msY be, vAghdnwn from yar ball[
at-im se anon as to sans day we motive
yar
you pry the waste Haws Balance, Indicated on the front of on tic orated kdlor, as
f
ara
d
In TM Wag Street P+N?t, cent yes wgl rat rsceiw veer tlhxk hack loom
=
l
yo"' ateterthert by the trot tatamrt doing daps, tat did p
m
vi
ol?
Joshes( phut the mapn ardy drJo+ed m you t
udm.
YTMr Rrrc3a1
not do s for ?ho W+vO+ra monk up+b fbrnc?s tlhrpes These drgsa vA be s on rho amt day of V+ta
added to the appdv6ls ssgnat of V- Atxstat.
am trad
bllbhg period - by V_
periodic smtorrrm a dkV
BIWNO R104TS SUMMARY
to. fiinun 4ltaro Grgo. Fa each bgMq period tlrf
In
d
ii in ria mahtlhs January, April. Jr.y?a?n?d? October.
n
m O (3-mo
If th
d
D (P
b
11801
F n
) (in Cue OI Emotes Or Ouestlar Aban Yca NO
our hit I+ wron
a H
ou need coma
If
ou dirhk
rrya, ¦ rr
nme ,
shce
yohr accohst b = to a
60 wA be ktpoutL If the
total Fg44NCE of 00 .
.
c.
e co
e
n
ns
,
in
0
UBOR Rapt' Maddyl •?e1or m tic from of yes g,
y
y
y
Iniamatlan m a transaction a bill wAm ro to m a
.
e
rewt
lkg
6utlm M
feral lblalg dhstp
flan[ 11M pulode nnea
at+lal
la
t
n
W
b
err peAOAe
ra1eW, dM Mparale drill p aeelh as pDS?lle at the adders for
_
wM
l
r
OO
i ?
re
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w
dr
p
T
U
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=GE
A statement. We mufft
of N
@
amont from tic 00.60 mYinm tad the dffsnanm v
be iy the
rose
wry matHy nd a
b
ased m 1b
m
k
m
d i
TA
W
t Jb
d lod
0 St
t hsr
from you no later from
?
ya a sent you the
t
t hill on vvMM tic errs or
rserom s
ssted
you tan
hid m the pond,- as f acmot.
We suave A.
1-d
Teaperary Rexhiedon in fihmmo arpa p
r
es, as
u
n
a
mo
Ma
.
ree
the mead. pteWaady disclosed to you These drrhgs ha
p
pp
.
call ou Cutto n t, Rdatlar mmbr, but ding so Mg nor
.
.
Aft te rot asssa any err .1 tburhm corps for any given wig be of eedw an 1M dart day of Vow bang period preserve you delta. In year limer, give u the ldlm*V
bgllq palod eWh mmfrh. intama4m: yar name and accmart nodes, the dollar
2. Average Dogy Wrro IYWtirq Now Phrdoasl. 4. Auasurt of Late, Owrft* and rtimed P+ynrt Feu. omotan of the nnpoew error, + description of to ens
a. fiwts tlrrgs is ealoJatM by mdtlplyfrhp fro duly Your +crnat wild be aaassed no mom than two of tic teas
b
billi
i
d
U
d
h
h
l ad an uplarrdan, k ouitle, of w4ry you bdtew there is
redp more don
tion of
if
u
+ descri
Wanes of soot sspnsrt of you accost (e.g., tai
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hp any
ng per
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em tM otxxr t
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terms of yonr
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yo
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p
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the hem you am twee abet. You do not how to pay any
by the mrnyahdrg daily psdode mteW 1hot hs been roan.
wales or rot
redacadun to
us any hear =9-
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tee bip select, we apply dr dYy Pabde reto for tad gto sere u s
m
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ng our r
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you hew 30
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the rests of those dopy txt "t1 e to arrive t ,
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days iron- the tuts frn atnrnan was merged to you to .
periodic finance, ch.. is =T= We ettd top the avoid paying the lea or to taw sttdh tee credited to you Y.t Special We For Credt Grd Pttcheas
malts from sent[ s urno t total c if you cmoti you aaast. Durnp cis period, you may
lbherhce drags for your accost. To got rho dMy bslanhcs
v
the bsdnrtah
f
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k tan dm s to the your occaat Wiltou having to pay the
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on
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briars for each st9 1 and add aaryry row transactlorr
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nnofrly hr by tang ax f.Lalemer Retardants Opanbnont
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end
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how tried ti faM m rxlmeet it* pmhla- vlth fre
Fry per
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p
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maierasp fu) pda m fro and of do dirty-day period . merchant, you may hew rho rift not to pay ft r+m+Nng
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p vroa a or medico pond s of thot dry th t are agooted
& N Yao Cbee You AaawL Y- can a *.W to der p?
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uaJyse pAU wet was tbn
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a
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360.00 and tie pincer tws mob in yar hone cute err
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11 w
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w
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th
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tr your new balsros wr zero a s chi rr row
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pease remember to sigh all mnepadmes.
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ukudem yar toted
Ove day. in the billing cycle. To
fir- tlhaP, thttdply your averops delay balance I the
cagy pedodie ram and by A. maMt of drys in Ow Miq tr
a s
d
V- haw
at ed, Imanue tlr
gs
pst
due fees, owdirelt fees, moved payment fees, cash
edwroe toes ad ary other film asserted to yaw
3 Done not spply to b,,:*- non-chant[ card -rd.
Drbd. OW m muhnitp on a drily hula. Uws mray be a
app[ wdonce between ihb as adMbn ad th:roan of
fl
dtM
sted
h
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d" appear on year eeeau- It the tbM Wu regtnmt to
abe
wnt m
aims fro attaat a "
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your rot=es[ m dose -.h
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eah b CaPkd Ors is a
ally
seMw mark of Capital
nut m'Belrme Rem Applied To: we tnatlply the
a- deed bode me of each extemo t W van nt..dty drags appsohp on yar aawnM '.%r taw
reomrtd tic sccwnt ro b dined o of rn+rlcal Canpaatlon All dfms reserved. s 2003
C-1-1 One 011J31-BA.K
hr Nallm sPsynneris
rebstd remittance anve vakpAMR to to VA be cradhod W e and (2 Vets VW*W Is re e caivd inn an upsofcmho! ,V co a by 3 p.m. ET v112 roes Pr)?1 Pleaso allow at la bottom I portion ((55) business daysllet pomodtal 0ii r chock
In ;=ores received by to at try miner location or pMlamylYogtterer form wmraaymnot bs created as of tM dry we recdw 1bm. W bias days am MordaV lhwfh Saunter a -kxd' haddays.
accohrntdir ? IW moT ,he o?eCk I lm Mh10112a1fprl epplW t0 ?d drClq yyoouu send is a drock(g), yots aUdrls Ye io it. a erlls. " electlu is treater d.W 11e111 yow balk
raoeived during 1h bRiq cycle even if am by s mean dm. 11 vte units[ process to Installer, you aWcrize
etc to make a firage egalret your bent accarrt trhtg tin [dock a paper draft or other hem.
Qw a1cw
what's in your wallet?
THEODORE F BURD
LET'S TALK - WE'RE HERE TO HELP. 054
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payments. We understand. At Capital One," we're here to help you keep
your credit on track. Give us a call.
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• Give one of our associates a call at 1.800.955.7070.
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® 2006 Capital One Semicer, Inc. Capita! One is a federally registered service mark. All rights -er wd 054.07754
Cap&a1CW
Account S
Previous Balance $1,60222
Payments, Credits and Adjustments $.00
Tnaaacrions $64.00
Finance Charges $39.25
PLATINUM VISA ACCOUNT
4388-6413-9830-1460
MAR 04 - APR 03, 2006
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 o3 APR OVERLIMIT FEE
2 03 APR PAST DUE FEE
$29.00
35.00
New Balance
Minimum Amount Due $1,705.47
$139.00
You're behind by two payments. Let's tall:. If youie having financial difficulties and can't make your
Payment Due Date May 03, 2006 minimum payment - we want to help. Let's work together to find a solution that works best for you. Give us a
call at 1.800.955.7070.
Total Credit Line
Total Available Credit $1,600
$.00
Reminder: if we receive your minimum monthly payment on time for 12 consecutive billing
Credit Line for Cash $1,600 periods, this account will be reviewed for a possible return to your Non-Introductory A.P.R.
Available Credit for Cash $.00
You were assessed a past due fee of $35.00 on 04/03/2006 because your minimum payment was not
received by the due due of 04/0312006. To avoid this fee in the fixture, we recommend that you
At service
your allow at least 7 business days for your payment to reach Capital One.
To ran Cu.tomer Rdatiom or to mpoet a kit or Holm ouk
1-800-608-5227
For free online aam+mt xrriee and spedd dwww often, log on tw
www.npiuknecom
Send payioem t.. Send iaquirin to
Att.- Remittance Proenaing
Capital One Bank Capital One
P.O. Bas 790216 P.O. Bas 30265
St Lou7., MO 63179-0216 SLC,lTf 84130-M
Finance Charges Pkate sa revasesidel6r imipOrtantt ritnfv7sal?tiien
rn BJmrarnY Periolir Li P ?d ?lir,
? gi?!wJ/o stir
m PURCHASES $1,62205 VMOMP 28.49% 839.25
CASH 8.00 .07805%P 28.49% 8.00
ANNUAL PERCENTAGE RATE applied this period 28.49%
? PLEASE RETURN PORTION BELOW WITH PAYMENT
owl 0000000 0 4388641398301460 03 1705470100000138005
P& prurt arau'ar a- e-,aai(e6aagr,h1w,ar:TH--Mkk lsk
New Balance $1,705.47
Minimum Amount Due $138.00 sheet Apt J
Payment Due Date May 03, 2006
sty say. zm
Total enclosed $ H-.Pb- Ah-ftPh-
Account Number. 4398-6413-9830-1460 •
#9009431587680579# MAIL ID NUMBER
Capital One Bank THEODORE F BURD
P.O. Box 790216 I I I I I I I I I I I I I I I I I I I I I I . 1198 SHOREHAM RD
St. Louie, MO 63179-0216 m ?. CAMP HILL PA 17011-6135
LllrirJLtiellLrrllelirllrreiel,liiilLllitrrdlrlLJt,l,l Its,IlltiillLriitt?II I IILILunILellnltltlt6tlnlrlultl
Pkare vnite yen aaowd anraha yon d. h of moray order nu u& payable to Capital One Bank and mail m the endwed envelope.
mom
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Hew To Aveld A Firwa Oharle•
true a hriiltr Pace period of
a. O'ess Niel. You VA
M rays Wdhrt tkrrce durye m new pucrlr, row
balms trawlers, row appear paarre read row odrr
drryr k you Y? mml 'New Balrhos', M
amadrnos wkh tlr Nportent Notlm for psynrrrre below,
doed by yar rott roarer
rd In time for It :11,
dosirp leas. TMro pew period m ryalh adurras
rd aPeeal aarhatera h adddm, them b ro gran' Period
m error tr.rracdon N Yeu rho rot prey ri coral 'New
b. AeMY Fm.oee OnrM• Trarradiaw Widh am not
hro the dew ofd theetrMtransactionow 2) dfrom the data to
tnrredlen N processed to yaw Acatnt or 3) fmm the
tc.
td.
2. A
a.
( New f4dr r1-
lalnad 6y ratlplytrho the drily each rmormh.
4. Aaeesrnet of WO, Overlmt tM Roomed Psyrrhet Feu.
You aeeatt W1 be ssrrM no mom than tMO of 7M mss
emaut of ri aupaemd error, a dseWptlarh of ri error
rd an mpbnatNn, N PoaaiNe WW Y°u beMeve trrrs b
a doscd
dm of
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non rd yate aooa>r te.g., realm
1rda1 trrrlsr rd apscW phrdrr) enM hen that Dear ehshp -b!2 =Under to
nrtomsr apr.rrat vre reserve ri right »
terms *,y
=
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p
a
an error; or N yeti nee
more
oa +
ri iterrh you am rrnaum abaw. Y- do not Mw to pay arry
diy parbdc rem(ai tirt fat been
i
d
d arty teas Wtlran color noNllcadm to
-Al- a ,r
our right to aser tM fear a eNhk.r
Wdrut walNn arrant N?h Mtie Ms are Nhhsslostlrq k, but you
,m .het » wv 7M wns of yar 6if tM1 .ro not
rno
ay
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m you. At ri and of each
i apply the Fedodc rsf. for esd p
AAA at a I.I ihr.
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fat
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now You r daAhgtari or m my aatlen to aa1.a1 its
a?t .0. oalenc?e of -.h
e rd of the Period. vm add up en
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6. Y
spprrs m 1M hat of rile auternarlr, yea Mw 30 amwt you gumUrh.
y1y c`=d":» ardor a
ge for a.dh a- o a We add tp the days hors ri dam die aatenart vrs. mailed » ya, to
=o; the ice a» Mw wdh ise endued to Yes
4,1- Special We For CtMt Card AacMre
gnat to erdve a ri torsi parlode If you carol yow axaao. Dwkhg tltb period, you may
tea accon+it. To get ri dMy balance em W. to us Whw aaewt Wg--t MvW* to WY ri o/ property or
if you leave a dl. n with 7M phdhy
you' acmrn, we take ri oedrrin0
pat and ant arryy new transactions
N meMSralip tea. To uel Your accatd. Yen ^hut
rrdfy u Dy Wrrq ocrur ureter Relatlarr Dspanmam
Naw Balance' N AA (eroUrdrpfha
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wMre 1Mt You wWh a eM tale and you
Mw tried H taWh» osrr.ct ri prohlem vritlh ri
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errant due m the properly or asrNer. Vou Mw flee
d
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poemd r of tMt day tlrt am aloamed
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eb di
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& N Yw Ore
aotrr aocoum by r+rng our Cularr Relatlarr u wr ma.
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7
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r'ancd d PmwMMzad WIRrq
arxaart erxsr arclu P
=too
mfr Ot Nauss maiq adhiroaa. M ors ours or
a I1 we malbd
cu tlr
ri
d
m
ou awmna
m you prov
:
was acre or a cnak rnaatl, row
lal .
.
fad =- kq vokr atzaea. If you do rot c.rral
a: v ensrgrrans ors vd1 cmddo
der Y
openta
mm
r
,
aduetlaernrt for it property err r d rtredrrr
l
of mast a boedm of Puranar
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eat » yarn padres eat sper
srrea.
nm non adN w. t Z bd We pn
x
recall of a drupe your arMorba taapm
6
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roge
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Please romemher» alp[ ere carrpordertce.
e diy balrr+ by dig d tlr dz1Y
dvldrO tlr fun M 11r mm?sr of
d
s
at
ennead.
you - pry d an afnr your aooaat wN nor
uhii ute owe u ihdudnR ant'
t Does not aPRN to aarunrer narcndb read xmaua
ruing ryds. To ealalaw yaw howl
yohr scamps defy haletos by dos zM, flnarnco drrgr, at
trarrectlan You Mva arpal
dos rasa, oveAmit ter, rehrnw Feiner toss, rash
apply to bue7nssr non-uedu cad secanu
s Ibea not
y ri nahber of days N ri bilr p o Your
edwnco tees and err y ode Nos ==
m s rile baab, Areas try bee
Ws raloJwdm and ri amen of M
aeeaut. You am rsaperrAN for Whedrr
acc appear m Your rcwn a ri Ahr you roqurrt m
aea our
ar4Perfa inforrrutlan privacy proleerion:
acaaoekkaall corrh
a www
r
arars&
to an tM from of tis statement
dose ri sccrra or they am kcuxred erbseprm m
yar rsproa » dose ri aeeart. TfhN m+v ream b .
.
poNterod service mark of Capital
Or b a tedwaly
Or Firnerhdal CaporaUah. P)1 d{jee rorrwd. a 2003
?= To: vm rMlplYtM
(sadn aro-- "'.- - dheryea dq m ywr aaaat after you Mw
reouened rzzor_ - to M chew err tit naoairr of Wu
CsWW Oos OiLt)LBAK
pedodc ota. To -am tM awrspe dWy bdares for the
tlOrq period cowrod W 1Ns alatament, wa Lko 1M
day, add arty new
bepirntrp belrrce of aadh aegnatm sadr the kak t tNa
a w cr eredta atar (N m ri Du aa eeOnsrt, and oblraclany j=-"
ode FI apW?re
matemew rout m'Balance =6A;=To,,' we Yr
wry uryald irnarhae n the balance
ahbhraet
of rtlr -7w; - qiwallt uM1M dalyy balance?or each
aepnem. TMn, wa add up dd Mlwhaa each
fepnrt forriDriq ant d
rsanbr o/ dap N ri period TNa gitros w ri
a lacy 6alrres of sad eepnern.
3. Merl
a. The teen 'Arwr ll o Pe she Ralf mAY appear of
APR' on to from of d INs ntage rile swtemmt.
your eaaun N k M sheets been aced. For aovrgb,
k eu w a Poem hors s merdrn rd ors
raosiw ri transaction harm the merchant ether your
.",r,t has been dowdoheer?d4pYOUr aarut vN be reopened,
xant.
the wmft of read YYoauu vAl bsrireaperrore =If=
nrnYheralt4 fr for Your eceoutc, ri M will contlhMe
pwmktod by Nw, and to
=0=4 ri ettrt
bean paid In b0 a dented .bow.
7. Uiiy Yar Aeeaat.Yaur cord or accovn snort be
oral M osrsrectiorn vdtln my i tenet gsrrilnp
S. Native Ahrt Fleaborle Cheek Convarebn. Whah you
me-time m
uA W.:naUon (ran ywr d» = =
alectrorie Nd trader fan bai sccait or to
k pry the'!bw Balenc?e?Vi they h. If a S Pdnro)u=,e onl Ms 1.colt
d
ri
M poar m abaroNe
use
I H Bi, Arcs charger cord.m» ecarra»
ri tatpaN balance N pad h fiA.
balartoe d
u
k
'
err owe tYhar?cs dr
ma
that o
c
o
111N smtennrt nett m 'ddo rst.W,
1
PB
mss and ANNUAL rCQliAGE RATC
may vary may kta.re a lease Want
knd ttanNr, lode may be vA .*v- hour yaw bent
soosut r nom r ri .snr day we receive yyaorww
.
y
you
Of f
rtks New Biro Yndoseed m ri fret o on to ewtw itdoe., r rood N The Wra surfer Payenart. and you Mr rot recalvs Y- dnedt e6 nit frorth
eat by ri rtra ataahwt doiq dew, beak rid ri mardrt Y Mersd m ycu
Jorrrat, O
r wr ba .iNeYomMOtrI m ri MI day of ycu
TM
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r yar AmrrJY Yrtlwdon.
r ri pmder sleldt tipald Ata-tw d? De.
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About Yatr &N)
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It yam dirk Yaw bat b vraq, a If you new mom
,
CE prpMeAmD.Elotfkhlp0-BO wr b?eplBnp?tlmmd. Nytohuer LIBOR Mpdad MatM» man 7M frpartdoofdeyar
m rP9iC6)ArAOE AATFS
f f IntomrUOn mat mrractlen or bill wdw Io is an a
"anne As W.
N
a
tWrib Nos tlrrt 10.60 wr 1M
Aid do lifference will be arapaidnp
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k I_
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a1Nr wr .em You to
?yre
n With fm error a Maarare appsaned You can
f
t bat
eap?txt d accost.
Ws rorrw ri
4 kt Fkhrm. dresser r
stator hhdcoa, r Land in The WIN Srreat ./orsrreG p
tlr msrbn PradoulY dNnord to yrs. TMSS dwtpea irs
o
can err OLWW r Roly* ntnlw, let ddno r WB not
.
user my or a1 Arum drrgr for arty given Mil be .Nrtilw m The Ace dry of Yen brlrt0 Period prsrrw yar ddtts. b your NMr, rite u the ?NOWtp
mbmaUem Your sear and aocont reniar the doter
for
B.Ir?tala
R your row bdM
trarreetlorr valid
bal.?ihloaoi OopsUnx
t ride tlharge, m
dJy r.w
Due m rou
alight bel
Aare w
b. If ri cots or N
eau m'Balanca .versae de& bal.
orperut Noose: Payohams you and m sea car be aedtw to = account r of the business ley yr racalw h em. Plrr , provides j) you cord ri Dothan po(6)rdmbusorr days for d Wa etatrrnrn and Yost duck
ti dos encle.sd rrnltrc. envebq and (2) your wNtat N r.eNI" In w orocauft comer by 3 p.m. Ef 112 noon f slow at boa tw prul
PaYmrls received by u at any odw koien er in am o1Mr lam may not 6e cmdtw r of its fieryy vm reaiw tMm. Qr bualrraa drys am M y t nu h SaMWy. e?adudrN ya•
Please 4 sea uas papNa1 pr d?., etc. wlrn pngtiq Your paYmsrrt Wtrru you send u a tdhecRW you authMr u m make a arhsNme eNCtrric runts dabh hat you barn
acown fa ri amerat at tM check. TMa arNmrizatlm apprN.1.N drub mosiiwd dakq the bMW cycle even It sae by someone else. If we cause process to haramr, you aWrdze
a to make a charge against your be* aooout udrq tM Wheat, a Pepe draft or odw Nan.
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CapitalQw'
Account S
Previous Balance tl,705A7
Payments, Credits and Adjustments $13&00
Transactions $.00
Finance Charges $37.89
New Balance $1,605.36
Minimum Amount Due [48.00
Payment Due Date June 03, 2006
Total Credit Line $1,600
Total Available Credit $.00
Credit Line for Cash $1,600
Available Credit for Cash $.00
At your service
To aB Ctrtom R&dmr or to repot a tat or atolm card:
1-800-608-5227
For free online aoaunt serice and rpedd o rtmaer off.%log - tw..
www,apirtakneeom
Sad pa7mmb to: Send iagnirie to
Attn: Remittance Proceaing
Capital One Bank Capital One
P.O. Box 790216 P.O. Ba 30285
St Low, MO 631794216 SLC, UT 84130-0285
PLATINUM VISA ACCOUNT
4388-6413-9830-1460
APR 04 - MAY 03, 2006
Page 1 of 1
Payments, Credits and Adjustments
1 11 APR ELECTRONIC PAYMENT $138.00-
Finance Charges PAwe a rewse riA f*; rportant infm mthm
f Bdaarak Ar;.1 6
N W&IA, rw8 FR
N PURCHASES 81,618.19 .07805%P 28.49% $37.89
CASH 8.00 .07889%P 2849% 41.00
ANNUAL PERCENTAGE RAPE applied this period 28.49%
T PLEASE RETURN PORTION BELOW WITH PAYMENT T
Caph"WCW 0000000 0 4388641398301460 03 1605360138000048004
New Balance $1,605.36
Minimum Amount Doe $48.00
Payment Due Date June 03, 2006
Total enclosed t
Account Number: 4388-6413-9830-1460
Pfe-print-Xr U- .h e- dehaatehbmm rblue-V.#iak
steel Apt
Corr s_ zm
Home Phone Altnmu Phone
e
E-AAddrt
#9012431587680574# MAIL ID NUMBER
Capital one Bank THEODORE P BURR
P.O. Box 790216 1198 SHOREHAM RD
St. Louis, MO 63179-0216 c CAMP HILL PA 17011-6135
loll un11nu111ut11t1tt11et1O1t1ett11t??uut??e??u?n?t? ° LtJlLttll?tnu1Ill I111111111,tlletilttlt6lelttlttit6tltl
Pk- r to yorv-ml number m yoarebed or money order made f ayable to Carnal One Bank and mad in the encAved e-w1e e.
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0 2006 Capital One Services, Inc. Caphal One Is a WW* registered service mark. NI tights reserved.
tZ;orJrq 6d period covered by this stetenwx, vve take the
arne of each agnaa each day, add any new
batk
Iman-odcon to each aW-9 and sd==11 pymarts
a credits. (If the cods N appear m tips
sutamern next m'Balaree Rata Applied To; we also
subtract ally ulpald finance charge inhaled In the balance
of each "Tpl.m. ) This glws us the dally balance of each
toy belarmoss tor each
sagroaK for the bMM pe?dad?and dMds by 0. mid
n Saba of dap In the hiving psdod TNs gives ins the
dWy berate of wall agnrd.
3. Am-1 Ilseaa f
a. The temp 'AtraW Posters." Rt." may appear as
APR' an to from of this aatentem
b. If the code P (Prim), l (3-mo. LIBOR), C (Certificate of
0eposltl, a S (BeM.casd Pdo w) appear an the Isom of
palode
INS atetentap nod to the pslodic rota W, the
rates and correapndrq ANNUAL PBM8ffAO RAM
may wry gsrteriy winder may ilrnase a decossee based
n ee coated ka-, i" food I TM Wire Sbaef
Juana( peke the maple proNady disclosed to you.
Thssdrqes Wll be ve ore the Soon ivy of Your
bath pMod __ad your .+pock
BON ourtment ending
c. If the code D (PrimeF rrho. a O (3-mo.
UBOR R.Pe-d Maori sppeare m tha front
of y-,.I-
mid statamam next m the perkhee eta W, de pedodc ANNUAL PLi1CENTAOE RATES may
wry?may Inc- or decrees based m the
sired {rhdies, as ford in The WiY Street Jbiong plus
the mepih previsusly disclosed to you Thos rhrhps
vlN be etsecd- on the Star day of your Wing period
each most.
4. A ..ass am of Las, Overlook ad Itebsned PsynwiL Fans.
Your acco rm vA be a*@esed no more than Iva of the feea
Named home that ooor duke rry blip psmad. Linder the
tams of your ecotone, sprownem, we reserve to right to
wane or not to a- arty few without prior w? Scadm to
WOA voWnil our right to esass th. or sbMAr
r • Ira 1Mw.
6. Yeur Aaaaat. H a mrobstai furs
apposes on the tram of IN* statement, you haw 30
dap from the dome this sumeo w t was mailed to you to
avoid psyk* the fse a to haw such fee credited to you
if you carnal your account. DAN We Pew, you my
cwmime to user ywr account Wthoot having to Pay the
-
rodty us by cAN our Customer Halstlei Daparessom
and Pay Now Balance- in kd bxdudtw the
period ?
& N YYw Aprior to the end of the sosuR You can request to close
yatxaun by caNYp our Customs Relatae
Moment. You must deamy your credit card(s) red
account acesea checks, cared alt preauhwlzed Mkg,
and cease uslnQyouu accasm. If you do not corral
muprnems, wa o carida
reoelpt of f a d camp rpe a your sudhaftation to
account. o Additionally, • r acco eat vollit rot
real otorrhnots your account s ins dosed
You pay y sit alt an yea owe us IelhtdUhp ny
traneaetiaa yW haw auUarized, Mateo charge!, per
due fsa, owdtNt tea. Mumed Payment fees, cash
advancce fees and any other fees weeded to your
account. You are responsible for these amoups blether
day appear on your aeeran at to time you r*Wm to
dose the account or they am Nourred sub"Wers to
your reghraal to dons the acca rs. Tips my react M
darpes appeatkg on ywr account afios you hew
yotr account If it has a1mw* bean closed. For emrpre.
If you and ft d a purchase from • merchant and we
most" de transaction from the meadant after Year
amont has beat closed yotr accost vNN be reopened,
the am" of the errrrtlge?vAll be added to y" acems,
adyoul vdlt be responsible for paymam_ If mars is a
rne,tubsosrnp has for Your accout, to fee vA card"
=d= er event d as law, set the
.1 been pedal YI full se bdred above.
7. ==16- card a account carrot be
h any itemet gun blhV
tr ons-dore.
8. Nabs Abort I]aabai steak 0orwasbm. Wtm you
amood e
use, ktfonna ion from your alt Ito took. a to
electrode fled do aka from your bank account or to
pmooss do ? a clack tra ewdon, When ve
tae Momatldv frame s pv duck to crab an alectmNc
fud transler, fi+W may be vdddrsvwt from Your bark
ydr
oes r the sans day we .I"
scorn[ as ;6:1`-*
peYmm, ad You WS rat nevi" your check back front
4aur Msrdd shedthaion.
BILLING RIGHTS SUMMARY
(in Cow Of Errors Or Questions Abaco your 801)
If you 0" your W h vwrp, or If you need mac
a
Infamadon on a tranesetim a bl, She to us on
separate dust as foss as possible os the address ter
Includes shown on the from of this swernerp. We must
hear from you no later than 80 dove after wa son You the
can
5rr hill on Wicl the error a penman appeared You
call etc Customer Relations rhrrnber, but doings wA net
Mfapraam awa9nyar ronr :.-=r, daps, h give m t humanha fo0mvrhg
savor, r, do tlr
smarm of the suspected arm a denriptimrh at the e err emmor
rd an e plaa*^ H poWhb, 0/ vvAAryoy yon behove thane Is
n error, or 11 you need more IhfomrmadW a dasecppim of
the hem you am urns about You do not how to pay my
amarp Ovate vve son imastlgaenp1h,Mt a you
m ells teal m ply tha Pam of ywr blN burwmt.
In question. v your sea carnet
repot you lt dsirpwp or take any act)on to eaNsct the
amourm you
attstian
4,t Special Rule For Credit Card Ptschases
H you haw a problan Wet the quality of prperty or
eavkn cat you Wb s cradit card and you
law toted 1n faNh m oorrseti the prohlan with the
mesdtam, you my have to dap not to pay the remaining
amtrd dus on the property or srtlcaa. You haw this
scan oNy avian 1M ppn wef mac lien
350.00 rd the Pu?sa `made N Yaur lame anew or
vMM 100 miles of your msing Wass. 01 vve oval or
operate the madham, or if we mailed you the
Tins pmparty a servima aN purdeses
adverthanant for
aro covered roes
prc of pirdase.)
mhsr 10 o Sign n darrantl correspondence.
Rease remandendahm.
a. anew Prlcd. You vA law a miinaam grace period of
26 dap vvhha t turbos tierya on row phaWses, row
balance tramatees, new apxiM patinas ad new odor
nihwgea if you Pay your teal 'Now BaWee', H
atx adnc?e vAth the anpontnrc Notlce for PaNnaas bebw,
most in, tins for it m be aedred by your two WNWm
date, Theme Is no on cosh
and piled
al trainees. it, a thew Is ¢aor paled
on any tranhsrslat H you do rot pay the total 'New
b. Awrning Fihwtea Cttaga. Trarechlaa whkh am not
wNact m • Qom pwbd of asaassed tk- dap 1)
your WOW belnm tatty the unpaid balance Is paid In lea.
Thb mew that you mry spa owe Marome darpk own H
you pay ire amine New Saloom indicated m Use front of
Yon sraornect by the nand statanirm closing dame, but dd
na do w for thaprsNola mall. tipold 0mms dacges
en added to rho apptrrhls sport of York Acrsnrt
to Mhlsuw Fit as flroa. for seh iing posted that
oral nso MkNCE?grLpae?ABErNO4 0.550wN?iaspppsNk rtiriH the
then
pMbJe?rsteW lab ..net an 7o.550c,?wa cols `rabtldae'a tort
amour from the 400,601. kimm . and the dffsrahee will be
bled to the purchase spnsnt of amoet.
td. Tarprsry Ranh dlsn ih fibres Orrga. We resrve the
car mpa attdsass any or ar Moro dhrgea ter any Oven
2. Avraga Daly Bslrwe Hnoisiu Nwv pvdwwl.
a. fiance cMms In calaUred by mcbWNng the daily
dal trarbr, and special purdes)
ily pahfodic ra alt that has been
yeu At t1hNe yand of each day dudrq
ply periods rats for
e-h
t tin
dNy eah. Weree of aahih
d of to period, cos add up
1? taloilathorr to ardor at
yar
Ta each sepnar. We add up the
Pedodc
o t to arrive at do tam
aro amu To peek to daNy bdahoe
to
n e boarvirq
east am vine take rhety
h. add sMur1lyy?
, on the the revi unawao
firma hitCLmed n re
prod s of tot
i avestto th.
d. NPao
n a jar p
as
of a
ions zaoaen
Poe m Your porch
8
O
02
ON i
t Does not apply to cwnmarm r n rad)t cad arrows
z Doss not apply to arskwas --W cad --Ws
One supports 4donnatin privacy protection: eve our
i at vvww. con.
Ons I a federally mettlememod service mark of Capital
r
lights rsarvsd ° 2003
One 01LOLBAK
the dap In, the current blip cycle. To calculate yar tool
Mahn dwo, mhltlpy Votr avsraps deNV Wonas tha
dpeeNy user rd by the nnber of rYye
in tow
Uw m rotadig m a dolly haala. dhale my bs •
and iha amaar of
seat wrlar m benwan thle calculation
Maas duxes aatiWy nseassd.
b. if most m oode la oe N akgasn n ne nom of this l watwtwn[
nos'Bdac Roos AahNad To; vre m hmldplY tha
NrporMt IYWse: Payments you rot to w amt M credited to yon aooarn as of to busier day van maiw hm,, provided (1) you nod to bottom portion of this staternem and your cock
In Tins ahcbnd rrdsahm ahvdaps and (2) you k mcdvN N ar poma!ing rsmer W 3 p.m. ET (12 ran Pea. Plssss alb" at (non ff" (6) budran dap for posul deNve
Paltnam received by to at any oast location or in cry afar bore mY m cnmad n of 7M day we n.mhm tram. Our buaithn. Gil aro Monday through
an .utd.1?, exdunlrp taNGp.
a chnkW yon wMalz. makea me-1im elecuaoc traaMsdetlt trap your bwa
acoaurtt naahnof tlhs alb, wNar@aum Yormpa wht Wlan you d w hrm
dhsck Thla apples i decku recdved dudrp to Diking cycle even H sap by sonw oe also. If we umot process the transfer, you authorize
us to make a champ aghast Your bait accoun usirg the dwck, a paper draft or odr ham.
One what's in your wallet?*
It could happen to anyone. Make sure you pay the amount
THEODORE F BURD
due on your statement as soon as possible.
Keeping your credit in good standing can
WHOOPS! do a lot more than you think.
GOOD CREDIT = GOOD CREDIT REFERENCES
053
BETTER INTEREST RATES
(good credit could mean lower interest rates)
IMPROVED CHANCES TO GET APPROVED FOR
LOANS (when you want to buy a home or new car)
m 2006 Capita! One Services, Inc. Capital One it a federally regirtemd remits mark. AU ri& waved. 053.08106
Capiftlow*
Account
Previous Balance $1,60536
Payments, Credits and Adjustments A00
Transactions $64.00
Finance Charges $3931
New Balance $1,70&68
':Minimum Amount Due S10&68
Payment Due Due July 03, 2006
PLATINUM VISA ACCOUNT
4388-6413-9830-1460
MAY 04 - JUN 03, 2006
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 03 JUN OVERLIMIT FEE
2 03 JUN PAST DUE FEE
$29.00
35.00
Total Credit Line $1,600 Your account is one payment bebind. Remember that making your minunum pa unems by the due date, keeps
Total Available Credit $.00 your account in good standing. When you miss a payment, rate fees start adding up. And nobody wants that.
Credit Line for Cash $1,600 So make sure you send in the minimum amount due on your statement to keep your account in good standing
Available Credit for Cash $.00 and to keep from paying extras fees.
At your service You were assessed a past due fee of $35.00 on 06/03/2006 because your minimum payment was not
received by the due date of 06/03/2006. To avoid this fee in the figure, we recommend that you
To oaB Cu.to,na Rd tiom w to report a Soot or sddm Quid allow at least 7 business days for yoga payment to reach Capital One.
1-800-608-5227
For freeonlineaocouinseniorandspxislouto affect, log on t«
Seed Parnenta to: Send ingr to:
Attn: Ranitnnoe Promising
CapiW One Bank Capital One
P.O. Boa 790216 P.O. Boa 30295
St Louie, MO 63179-0216 SLC, UT 84130-0285
Important Account Information
your bill online for free.
Take control and stay=
Eliminate the hassle g tick; fording stamps, and
sealing envelopes. Evaydting you need to access review, and
pay your bill is available online. Our website offer you a
convenient, simple, and secure way to manage your account
Visit www.apiWone.corn and register your account to start
simphfytng your life today! Finance Charges tio
n
P/sarera rerxrreri&far important igfiirxw
Bdnmrrdr ?
L
?
PaieJer Co Ma - ME
.rffrerJAe rA* .fP liL'
PURCHASES $1,625.23 .07805%P 2&49% $3932
CASH $.00 .078MP 2&49% 8.00
ANNUAL PERCENTAGE RATE applhed this period 28.49%
n
n
? PLEASE RETURN PORTION BELOW WITH PAYMENT
CaPffM07e* 0000000 0 4388641398301460 03 1708680138000108687
New Balance $1,708.68
Minimum Amount Due $108.68
Payment Due Date July 03, 2006
Total enclosed $ 1
Account Number. 4388-6413-9830-1460
Plk-t-crania grJdrne? r„w?/ m.ga kkmumgManwblaek uok
Stnet Apt I
City Sete ZIP
Home Plme Aleamu Phan
PmeaAdd-
#9015531587680578# MAIL ID NUMBER
Capital One Bank THEODORE F BURD
P.O. Box 790216 Irlnlrulllnlulrill °m 1198 SHOREHAM RD
St. Louis, MO 63179-0216 n CAMP HILL PA 17011-6135
Iillunl6uelllutIloilo 6ua61ne1611nur1If 1111111 111 ° = Iirtlllrr.IIIrriiril6u1611unr16r16ililrle6rlulrlrr6l
Plrare ruritryorv earoanf mambo on yore tbeeE of money ordn made f uyable to Capitd 0-B=i and mail in that mlweden lqe.
F
aaa?
aaaaa?
0
O l
Pi $t''
a. Oaae Prod. Vou vh® Ihrhr a nridnmin Orau peAod of
26 days vtdha[ Iihnc?e dr!ps en nevi, puchrar, rahw
balers trretoro, rhevv apsUY purchases rM ro'e' odw
drr9aa H you Pay Vries Total
•Naw Balres', in
ad h tkro for a or IT Ahs to Ynprtra Notks by far below,
«sdud Yr next u fmatehhhera
and r ti
choamhp dam. Thos I. In on, VaoO period aalh advarhor
rd special vrrrr In addtlon, Them r ro Yraoa period
arhy Vrredrrh IT H you do rot Pay The load 'New
b. AearYO Fine Clrye. Transactions v"c h am not
aressed ) from ? dr1)
ham?ttr damg f The roan on
tnreaCdon r Dnocsred to yotr Account or 3) from the
err cad ndar daV of Tlr Garen hie Denied AdAdonry,
accrue to
paid in *A
9aa wen if
s from of
se, but rid
not hto se for the Pe"le r motto. tmprd tr,raa dha19ea
==O=-. rSt
t c. wtrct sedu bilk. Pa. turf
metal Fl1AJiCE t]i4ABE?ofYULeO.60 wY a?ppr?ycrd. Hytatur
P uc rseew 4r?=.* io so,dwre will °retreet°'tNtl
atnant Trom tle W.tiO miinm rd use ditarorm wdi ke
Msd m theeprar? of ansut.
uce, We rwrve yr
t d. Taapr1-4=
right to not rases ses O try or r lihrm dhnOr for any given
2. Av; Dry Burrs I Now 1-
I s dharys r urWted nwmtlplyirq The
daffy
berm of each aepnart of you account (e.q., arts
advarm, phdoee, opadal Testator, rd special Pudrr)
by the daily pedo I rmW the has been
PrelAremy d m you At the erd of each da riaihp
, tlr h1iV rrrd we aPWY sir pr(odlc reu sees eedh
aspnra o7 your th elan m sir r+rc. m
'asvhhrm. Than at t its and of the d, "am up
from
balaunce for each finn finance Char ?Wta4ud tMm proton
and
eaybaYres for the egrhe Ws then rbveet arhy
paynh.rr or
an rooted
uedu peed s of Uhs utoy That
m tlhr sepnrt Thr gwa u the separate d.1 berm
fr each aayrhwa or you areahrm. Novsshrr, H yid sir
hl,w Bahr[ ahrhhn m ys,r p,wru .ratenhene in W
If you haw belrm our ,erm r • cmd[ ahhhohatl, new
apseisi
trrwedrr wNeh poet to your pullers or
am . setter We
do awnest d.Ev bYros ad r ruse
bedmYq balance of each aspmst each day, acid any new
trrraeYru to each sqm? and aubvam arty q site
NaN of Mie
or credits. (H the cede N ?ppean m The
surtarr red moo to'BaWloe =;P plyd oy wo sew
subtract try unpaid form khdhded h the balance
:=- pnr?) This gws u the dally balance of each
. T1en, wa add tp all The dally bNrma (r each
ntr
sspnem toI mya la the M ===1O= ua Me
nm of ce nt.
aev«ge dally balance of each seQhhent.
3. Annual
Th.
The YrortMood pa RrPrcrrtpe ae IAPR1.
a. term ' may appear as
APR' od the from of Ain stateroom.
b. the cods P ft Pdn lappear C (Certificate of
D epsirt, or S Glankcand ) appears on tM?vdroudoel
E
this ,a ertrhrnlt roe to 0Rinnen Pe=1ALP6iCBiT recur, thAe(1 RATES
roue and ANNUAL
dr?aaae based
may vary quarsAy rd may increase or
on to sated khdold, as Loud In TM WAN Street
Jdana( PNr the matdn pavtarly disclosed to you
Tlteaa plus t e m b• w on fuse krst day of yid
Pwiod oosersd W Yrr Pdodic atatwnrn andnB
r?iM nhrwM .Irarrv. Ahr..iav and Octeb«.
C IT file Dour D (Prmlhah, F Ill-pmpooa tltlVm or u 1:1-m0.
atmernen new I. the padoac raleW tlr prbo}dcyou
and opr?onBno ANWAL PHRCENIrAOE AATBB may
vary mrdiy rod!:: inerosee or decrease based m the
sated irhd r as trod is The War ft-l -lounal, plus
the margin Po'AoWY dadosed m you. Thar changes
wit be sfbedw on vn krr clay of you birih0 PMod
each month,
6. Areerrt of Lase, Owrini and Returned =F-MM
You a,mu t yA be arewd no mom than Fled hero That scar hluhhp arty W,wr neserw Wq pMd. lfrder the
taros of your nrtrnr erraamem ==n.
wat- r all to arses any ter whhrn ploy vdtieul wlvrp sees serge to arses the same or similar
o a rtes tiros.
6. You Aomat. H a mrNrhsiip fee
apprn on the from of , You he30
days from due daro .== was mead m You to
awid pSYrp the fee or to hew such tee crocked to you
t you anal You aeahaw. Durihp Uie Period. You may
membership your accoue vhfrihari hhaNrq to pay the fee. To
rokcalling ,'.M r Re 9;:ODUe u.M
and y Mw B - r kd (elaordrqthe
Q HH You Close Your Aee..L t You can.rap?iat io does
ocoun by oaMihr ou Cutrn« Rslatloro
Deporbnant. You mhhal destroy Yar ehehrl uMr) and
aeeauN scan circles, cared r peeutlhorizW Nmip,
and ease q_yar aeceud. H yid do rot uocd
noroe?mdzed Oirq? a? vhrNsocpaenWydearu
aoormt. AddSoniY, You aocarm wi not be doasd
uR11B yid pay r amrms yid Owes car fthdtrdrh? arty
tnaroaetlas yid how autorizW, fihrhes tlorpr, peat
due fen, ovadkm told, returnW paNnrt tees, cash
storm far and arty War pros aaaeaaW to yeses
aecasw. you aro roaprrrrie for these towns wfether
they appldr en Yoga earl[ o tM line you request to
nor The a t to don e to they aro account. ThNu may ay ,eed rova to
your neQrr to dl r
cNr? eppesrihp m yid auouw alter you Mw
stzourr rt a rho rreeoy oasts ue.ea rv e>anvae, you authorized • Pudhaaa ftarrh a nerdhsm end we
accoun 1ha traroadbn from the nehdhent skier Mohr
M been doaad, your ahmhat vA be reopened,
" arty
dhanps vM bs added m you accwn,
tM anhoum of the
erW yyoouu v?0 be naprrtle rr peyuwa. H,hn r e
mrrorr 0 fee fr you aoa M de The Will canines
m be d,rmll m the raant psndd by sew, ur9 the
Pdd in Aiver dehMd siDVe.
amdrt bdres hr been
7.?ayhp Yev Aaeout.YOU cad r atmuw camot he
hwdin ansdbn writs any ime,rhr prhbihp
8. Mere About Elrvrie Cheek Conversion. When you
provNS a dock r pryrtra, you auhrlae u aarr m
lase
erbrtraric ori kad c UW Ironh Vase olrek m make • msirr
trrrAr fronrh you brrit aoorat r m
pros- fuse peytrwr[ r • drdu trrrapdrh. When vase
Ire Ydomrtlan from your check m rake en OlectlanriC
knd vetrrr, knda may bs vA1M7vm from your bads
aoauat r eomn r fuse arro dry vro roedw ydr
paynom, sad you vM rot naaiw your deck Wdc from
your fbhrhrial frhatibalorh.
BIWNO M014TS SUMMARY
(In Car Of Enom Or Ouerlo s About Your BIN)
H %* you r r you
iota ration on e va ? it III w-*- m---
=,me sheet as soon at penile at the adder fr
rlr siewr on ft from of this statenrom. We must
hear from you ro rte, ==-
call after - Sam you the
S. Mon c h due apprrod. You ran
sees Cunt- Rdslonr .. bu ddnp se wn oat
Igqeaeaeerrww your rigma is :Y=' '=? fsirvMO
rrount rh. Your nsme on of duo the e
aml of 1M ahrp I. error, , a of y description
you moo
and an en elpirodon, H prihrou hdrw tMro is
an error; «H you road mom Inlrmselen, a description of
the hem yahn aro uoue about. You do not have m pay arty
amrsw in question vmie we an ImnsreWq n, tort you
aro sW obigaled to payyvthe t{p'tnea M yaau_?bsNo,1Mt aro no/
In
amount garlon YYlte ids 7nic,lm you m ?,
wpon yWr? «,. My la CONecI 1116
S,t Special Res For Crodt Card Pudhnse
H yid Mw a pro- v"h tM quity of PmPar" «
servlus the you hsitu a erodt uhd rd you
hrvs Mad fn vet tt d The probbm with the
merchant, you my haw, the right not m pay tie ramaMnp
amount due on the «aerMaa. You how this
> rriY when tlo Fhrdoeese pIU was rnoro vhn
W and too plmioSS ides made M your hone orate «
vdWn 100 rtes of yam maihp Weer. Ot w owes or
aperaro to tserdham, «if ids meMd you the
adwNeenwr ter uhe «saMeea r puclwr
Please rrrwhhbarto amant? of pMur.)
t Dbr not apply to con amor non-crdM card xmars
i Dose mt apply to badness fiw- molt cold accounts
Cagtr One rpporu Mmutlon Privacy Protect=: en sees
e at www. can.
Capita Oro Is a federally end rMa mark of Capital
One lihend 1 Corporation M 60. toa-.d. 0 2003
Capital Oro 01LOLBAK
the cbye in so clovent bump cycle. To somata MUM
fihrm drnoa, nmd?Iy Yor+ avrapS dory bsirm by the
tro
diy serioAC ate and by 9n rartber of dbp 6
priori bAkg
0- to rrahdrp an a dally, bra, lure my be a
oot vattenca bK? THIN Cola riaadarh and rue amount of
b. 11 the oar Z r N a{paw on the firm of 1Ne autrnem
roam fidroo. ..Ran_ A ed ToMwe n!-d y --
ihprirt Novae: Paymsms you nhW m u wN be rsdtod to you aoomm as of the bwisr day wt rearw n, pmvlde0 Il) yid asro tM bourn pardon of tale sunmem dock
r rm envelope and 121 your paYtr rri la raa1w01n w proasai p oattror W 3 p.m. ET (12 arm Pry. Pear crow m seas 1w 16) hldinaa days fo=P:== wry
Paymrtis roedwd by use el any olhsr IOCaYOrr « mY outset IOrrrr may not bbas redtM n of the clay we nwiw tMm. Qr blminss days an Monday though Savrday, hr4ye.
Prase do rot w etaplld ppdre?eks ate. rtorh pnp?rinp pasay?mrrt When sad Ise a W, You aWs t" u to rake a r Ilene erorrric trrstot debit urn your barmy
uettm malty charge at Y ordc accarn ueiaq tM disck, a paper 6 k r odor Homan. cycle awn if ern by someone ". IT we carrot process The Transfer, you authorize
Q-WitalcW
what's in your wallet?
THEODORE F BURD
054
LET'S TALK - WE'RE HERE TO HELP.
Sometimes unexpected expenses keep you from making your credit card
payments. We understand. At Capital One,O we're here to help you keep
your credit on track. Give us a call.
Here are 3 easy ways to make a payment:
• Give one of our associates a call at 1.800.955.7070.
• Mail us the amount due on your statement.
• If you have Internet access, you can make a payment
securely online by logging on to www.capitalone.com.
® 2006'Capita! one Servrcu, Inc. Capital One u a federally registered service mark. All nghu merrxd 054-07754
Capital ow"
Account S
Previous Balance $1,706.68
Payments, Credits and Adjustments $64.00
Transactions $64.00
Finance Charges $40.44
New Balance $1,749.12
Minimum Amount Due $149.12
Payment Due Date August 03, 2006
Total Credit Litt $1,600
Total Available Credit $.00
Credit Line for Cash $1,600
Available Credit for Cash $.00
At your service
To all Cwtomer Rdaty- or to report a lost or stolm -i
1_800-608-5227
For free online socount servioe and speed autonwt offers, log on to:
www.npitalonecom
Send payments to Smd ingiwies to
Attn: Ranitmtoe Proonaing
C•PW One Book C.*d One
P.O. Bos 790216 P.O. Boa 10295
St Law, MO 63179-0216 SLC, UT 84110-0285
Imrortant Account Information
Take control and start paying your bill online for free.
Eliminate the hassle of writing cheeks, finding stamps, and
sealing envelopes. Everything you need to access, review, and
pay your bill is available online. Out website offers you a
convenient, simple, and secure wry to manage }our account
Vert www.capitalone com and register your account to start
simplifying your life today..
m
a
PLATINUM VISA ACCOUNT
4388-6413-9830-1460
JUN 04 - JUL 03, 2006
Page 1 of 1
Payments Credits and Adjustments
1 19 JUN PAST DUE FEE CREDIT $35.00-
2 19 JUN OVERLIMIT FEE CREDIT 29.00-
Transactions
3 03 JUL OVERLIMIT FEE $29.00
4 03 JUL PAST DUE FEE 35.00
You're behind by two payments. Let's talL if you're having financial difficulties and can't make your
minimum payment - we want to help. Let's work together to find a solution that works best for you. Give us a
call at 1.800.955.7070.
You were assessed a past due fee of $35.00 on 07103/2006 because your minimum payment was not
received by the due date of 07/03/2006. 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 P/srus sa revsre
sideefbrimoortant information
almr
- Per& WEE
-
&,
7
Jb =
PURCHASES $3,697.29 .07942tAP 29 "?A $40.44
CASH $.00 .07942%P 28.9991 $.00
ANNUAL PERCENTAGE RATE applied this period 28.99%
V PLEASE RETURN PORTION BELOW WITH PAYMENT
0W 0000000 0 4388641398301460 03 1749120138000149123
Plrmpmtfnt,urm`AiramrYer-7d oraukkwwhyMrrwM&* wk
New Balance $1.749.12
Minimum Amount Due $149.12 Stmt Apt #
Payment Due Date August 03, 2006
Gry Sarc ZIP
Total enclosed $ Home Phone Alarnve Phone
Account Number. 43884413-900-1460 a
#9018531587680575# MAIL ID NUMBER
Capital One Bank THEODORE F SURD
P.O. Box 790216 lslululslmlltlrlsl 1198 SHOREHAM RD
St. Louis, MO 63179-0216 -+ CAMP HILL PA 17011-6135
a
IJLrnllrtrtlllrrt11t1rtlhttrrhLtJLlht,t,ll,ll„I,ehl ? Irulllsulllutnsllusllslluusllnllultlslslnlulslultl
PAa mreyorvananatnxmhffmyourcWwmemyorderxudepayabktoCapital One Bankandmadintheerulaedenvslopt
r
a?
aata?
g
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O
p .?N
WI hew a rrrilrrsan paw period of
roles d?a?ge m new pudwss, rew
n?spsdsl padrear rd new other
taal 'New BaWros'. n
and In tins for k m W crsdrW by yraw rwd sntenrsrw
a is
a n addJon, tlis?s N pals period
W apetlY ttwfa
m any trarrectbn It you do rot PW the ooul 'New
b. Aaaaiig fbssoa Caress. TrarradNn whidr aro not
nb)ect m • pals perod sale essssrd tkrarcs dory- f )
hen dal dam of Ar od t. wu' A m 21 fran dal dw tar
trarsdlar N aroceassd m ecorart or 3/ tram the
of -h w or .ch day, -M -w -
a 4 cotu mds N aPPes?m m?mre *11 Or"
.r.of MN
atrtsnen next m Wft: a Pam -P To, vw also
-preset rW upald tAtsnoa dtarge Ir4iWI d n Aa balarM
d aadi sepna?t.) 7Ma q)w w Are dasY brims of eadr
soPend• Tha4 wn add alp N t. dNV fi ? aedi
aepnem foal the tlMkq period sort d
rancher of dale n Ao hip period TNS gloss w the
wrap- deny hWw K aerial sspnKrt.
3. AmKI Paerdasa Robs IAPIR.
a. Th tam ' fka P th pe Pam' may appear as
APP' m th. e form of d Acs alaterrrartt
b It Ao code P tPdrne! L f3nm. L1BOR), C lCaaiAcam of
yov arrant H k hs sirdy been aloaed For earrole,
tw• padres Iron a rrradwd end we
H you audro
mertltnt steer you
reWve th tnroedlar ham the
th. hs been dosed, yar .-Court wY h rsaprred,
the am smart K th drrpp wl I. added m you arant,
Zr= bliss ecnwfar "ism. tl? 1. rs? ea feeHwilll condni e
m h drrued, m tro stptrit pamided by rw, utY ,he
atxauw b tin hr E Mb n S q .M1= mow.
7. tYqn n r.atlbn Ae taro k M E W ks second Caragl h
readm w arrrsnrer panhiq
trarsdlaa
8. fMbs Abort f]aWerris CMdt Cbrrrsrairrr. When you
m NNdnatlm froroi r deck to W. a owth m
dsetmNe kart trarofer from yar Drtk eased a to
poser Are r ¦ dodt tram-dort Wlwt vro
use kdormatlon hen =0 ==I an eM4oric
fow trarr/er, i wb tram yea bar*
amaad - - r the ono day vro racdw Yar
paymerd, rd you w• not receive Vaal dock bade hom
Yaw nnsrrSd nstNSiat
BIWNO RKIHTS SUMMARY
In Cass Of Emom Or Oueadar Abt A Your BM
It you thhk Vaal NI Is vvrorrg, a H you reed cows
nlortnadarr m a varaaetlan a Ns, wh m u m s
aepK?u alaot r assn eepoKYle at th address for
irpldss shown m Ao fiord of Ate smirnaA. T. mat
hKall 6l ham m wfeidr Wu co IKer thn 60 dep arts wa sort you the
c Act error a tart rt d ft d. Voss can
all ore Caroms Rrladaro ranbet, nter, b doirq r wl not
nfoanasa wdjeu?nrmn aM aaaid n?ini6n, Ao?daoW r
arrant of 1h auepacted Moo, a darriptlm K the saor
sort M Kplanatim, H poeM6h, Kcry you hallesre them is
a a H you need mare nfamatlm, a dsscdPdm of
lim es".
li
rnakm In you queddbn v Aft about. we am M do rot Mw it m pY nY
N . but YW
am ON pay the Parts of of yam 2 tht aro not
n ==lc ve knrtNem Your P??. ws scoot
rpnourd a trios arty adfan to coBeat the
4,1' Spedal Rule For CmM Card PuFdh
If you how a problem vdth Ao grWhy of property a
aeMoss riot YW vrith • etedt sad salt you
Fuve tAad n Wtlr m coned Act pra6lan wkA the
merdtant, Voss may haw Are drift nol m pay Ass rarrraNng
due m rproperW .You hw We
oNy th pke was mom thn
350.00 and Ass ptedsr aloe made in your Mna sate a
wltlin 100 mesa of your malrq address Ili fora own a
apMda Are msrchrn, a if we maned
"-0- the
0- for ft Y.
property a rrviY. N purdwss
aro covered ropardar of -mood a rreAm of pwtlvae.)
pease romKriber to aipt N cortespadrtea.
t Does ra •A* to tanwaurrmr narc WA card sc..mu
f Does raw sAPly m borb*. not/, .* trod at-W.
CadtN One wppab )nlamalNn PdvatY Prmoctim: sae our
e K www. can.
CedW Oro h a Nv mahlasd aKVMs mark of Capital
If y?yoowu rid cot 1M'Nsw BYrtos7matt rtes Dmvia+
pay Depoalq. a s (6w ad Wind sppsan m the from of
W
blatg psrbd n ?, b err m drrpas orriiam m some m
yor upsN bdrne udP dal updd bdsnos h paid n fill.
H C
NO sfatamrd nm m Ass pKlode rKeW, err pp
ow and pomp ANMIAL PHrt81TA0E MTFS
naww a deaare based
and ms
onad
TNs ==r -=X- firrco dnrpes. own
you psw ttr Tmm K y
y
cosy wry ¢
m the wtad kdus. p 1a+d n TM WiF SYrwr
yaw s[Krrrad W dal rwt stswrtrd dosing drr, hot did Joearrry Paw Ao maa?n pprorovbWY drlossd m 7
vti h atbcsve m Ass fir day of your
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not do r for th provbw mash [hpdd Arrsrioe tlwgss
our Aasrst
naw K
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t+liq PMad oowrsd W Yar psdoAc nnoo°d °rd'y
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p
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dwrpss
dsrlosed m you
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p
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each
pa
2. Abwrpsi10 DNy ssla m 1YwMr?rg Nsw iVdwrl. 4. Aawwit N Late, Ov~ a I Rsenwd Payswt Fans.
a. Rnrree == Ao dNIY
balaru K yaw smart (&q., resat Yora sewer wW be assessed m moro than Mo of 1M fees
Hated hoe #W sae duMrg arty flog period l11 des
sdwroo, prod ima, spadsl trarrdsr, rd apsdal pudrss)
by th M1sy pedalo 6: that ha been
dakt
h ds
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f
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= terms d ==11 .peanar4 we ro..rw Act dirt to
"- f rW tess VW#o A prior codscadw to
a waiMrq ow right to assess th same or vinMar
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m yor.
t
v
pmvqul
th big ws apply dal ds?y palodc mm for ads
f rids
bd
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t a rtK Ikna.
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ssprwr yorw ara:aart m
.
ospnnt. Thn K th OW of th. perod, vw add alp .
.
m M 1Na autamant, Yrr hw 30
appssro m Aro tra
th taK . of taws daffy mlaletlerrs m adw K d horrr Ate d *k ahtKnaw wr maned
to You m
am
~
re hom aatls segnw t m wdw at the tool parloft
Anew r 0 b your arsout To get rite balsrre Dukrg 1Ns Period. You maY
H You Zuser amwd
cardiaro to youYou aeeaan vNdrorA hvbq to pay the
for ssdr asprtam d Vaal smart, ws take me oapna9
bdW for ends s 9 and std rrWW row trawcdm rtrmtDsrdip res. To erred You aocaun. You man
rodfy u by uing aw Cwtarr Relsdarro DeparnrA
th
w' In kd (axdudr
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d
and rW ?Mde lirnre dogs talolatsd m th pnM%s
We Aon stbarx ny
days bdrw for tlrt rprrd p
ew
ar
an
pay Wow
mmtbWd* fss) pia m th and of th tHrrydey period.
.
psyrrwiu a rrdd as of Ass[ day rtes sm asouted
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:
m tht wprwd. Ig
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snmrn
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you ps
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for cads asprwrt K Vaal arsasd.
Nsw Bslarrce alrmat m Vaal prsNorr atswrrd n Ai (a p
.
acomm a- docks, carrel d paaMcdzed tlsbq,
If Vaal row bdanw vas zoo a • craft arroun), rant/
dal
d end mar uWq Y smaud. It you do not caned
ne vAS oarider
sreaWwd= big artsngonads
rr a .pe
trrarhors vtrildt paK m Vow pu
padraas aeprrriba aro rot added m dale drily bdrvss. W.
h d
6
dd
M ,
I
romipl of a Jorge your atrsodzatlan to raper Ymr
ar.-court wl not he fiord
asud
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s
y
rip
t
raiolste Ao a.., dsry balartes by a
6alrrtas togador arid dollop Ao sun b/ Ao maMar of W
.
s
od Vw pY N amain" you owe w kdudng. Kry
th days h Aro awrKw bang sole. To caloYm yov coal
tbrates -hope, Yrw •varese dasy hire by Ate =%27 You hew autlodzad, lbws rdopss, peat
wrsmH mss. maansd paymrrt feu, reN
?m rotrrp mAa =1., msy bbe ap emasn. You ===:ass mss t)ws anr=ias e/mthr
WVa darns lmt? the aaaeaa calctrimim rd ft amain of
tlrrps
f
N rimy appear m yas accotad at Ili tbns yin regraK to
dose the accon or they am lm s st6ssgitan m
Thh may roa/t m
somas
. staummt
b. If the code Z or N appesm m Ao from o
I
taco m •nI= R- Apsed To: we mtMiply the
.?...? ,. ..,a. ?,.r..r t.., vrv .rro,vtev
.
ppssdrp n your seam after yin haw
dw ceant m be dwarf r lbs.. ramr+kta of
SE
faprtad FIaWr. P?ytrams you mN to w sv4 bs rndNd m your aocastt ss of the htralross dry vro racdw i4 proNdsd (7) you sad the Oortan patlm K the shtetnem and your drsck
n dale enclosed rarrdttarrm envelops and W Yaw gy?ram h mcdvad n au ante by 3 p.m. ET f12 rtom t'fI• Rssr .lbw K Nor Aw 1W fsrukoas dsya mss poaul daswry
P?ymam recdYad by w K try odor kressm a in My Khr tam maY nr w uerwd ore d 1M fieryy vwroodw tlom. Qw 6ukws data am MadaY llrotryr Salwdsy. Kchdrq hoAdaya.
PNar do twl we ate, f>? app etc. rdNn praparkr? your Wytnem. Whys youBend w • tlaeRW you ausodm w m make • ro-titre aNctradc trrifer ddb parr Vert book
accatrrt for Ao amoud- o11M droak `(hN audpdz-al(m appuss to N dreeka ncdwd durbrg the hip t:WN even H cam by saneare eNs. If we camol gocwe the vamler, yao autlodze
w m make a Burge agshat your brit acooun uaiq the crack a Paper draft a otter itan.
I I
W phalos
Account S
First 3 months half-price
97*
4 a month,
$0.95/mo. thereaRer
SIGN UP TODAY!
' 1-877-7784207
Mention Offer Code: JADE
Or visit www.peoplepo.com/gMade
PLATINUM VISA ACCOUNT
4388-6413-9830-1460
Payments, Credits and Adjustments
JUL 04 - AUG 03, 2006
Page 1 of I
Previous Balance $1,749.12
Payment; Credits and Adjustments $29.00
Transactions $35.00
Finance Charges $43.42
New Balance $479854
Minimum Amount Due $201.00
Payment Due Date September 02, 2006
Total Credit Line $1,600
Total Available Credit $.00
Credit Line for Cash $1,600
Available Credit for Cash $.00
Atyouirservice
To call Ctut mer PWatiom w to report a bat w Stolen send:
1-800-608-5227
For free o*- aaooant Setvioe and Special antomer effen, log om to:
-spitelon.mm
Sell Papn.* to; Send ingairreS to:
Attn: P-tlnwe Procueing
Capital One Bank C pitd One
P.O. Box 790216 P.O. Box 30285
St Loui6, MO 63179-0216 SLC, Ur 94130-0285
Important Account Information
Take control and start paying your bill online for free.
Eliminate the hude of writing checks, finding stamps, and
sealing envelopes Everything you need to amees review, and
pay your bill is available online. Our webake offers you a
convenient, simple, and secure way to manage yew account.
Visa www.mpitalonexam and regxgtc your account to cart
simplifying your life today!
1 28 JUL CR PAST DUE FEE $29.00-
Transactions
2 03 AUG PAST DUE FEE $35.00
You were assessed a past due foe of $35.00 on 08/03/2006 bemuse your minimum payment was not
reeeived by the due date of 08/0312006. To avid this fee in the figure, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Fatigue Charges Pkax w sswsreridefor ialportont
ation
ierkmm
P
.a
- ?
l
ItArkd& rfPR l:t1AK
PURCHASES $1,763.55 .07942%P 28.99% $43.42
CASH 8.00 .07942%P 28.99% $.00
ANNUAL PERCENTAGE RATE applied this period
PLEASE RETURN PORTION BELOW WITH PAYMENT
:apfta10W* 0000000 0 4388641398301460 03 1798540138000201001
New Balance $1,79&54
Minimum Amount Diu $201.00
Payment Diu Date September 02, 2006
Total enclosed $
AeeountNunber. 4388-6413-9830-1460
Pk-p-ernnordrLkn_ e-maJrA.oyrrhbme.;JrK_a Kakmk
28.99%
street Apt 4
City S_ ZIP
Home Ph- Altama Phone
Em.aAddns
#9021631587680578# MAIL ID NUMBER
Capital One Bank THEODORE F KURD
P.O. Box 790216 I1lninlllllnlllllll c 1198 SHOREHAM RD
St. Louis, MO 63179-0216 v1Oi CAMP HILL PA 17011-6135
0
III II1811is 111IIloll II11to II11111111111IIIII11111IIIIlu111111 0 ill.III...III..... IIIsIII11I1111111111 1Is1111 11111111111IsIIII
Pkwe uwrreyaar armwa narnber m yaardmrAw mm my miler madepayabk to Capital Ow Bank and mail in the enrlared errrrlopk
003
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6Yaw Pried. You vi haw a mWntun grace period of
26 days widru trance rings an new purdnan, new
brlenro tnrrfers, row q..IW purcheas, and row ore
drrge if you PeV Your tetss 'Naw Bairxe', in
smadarm with the Yrportrr Notice for paymeras below,
and In tine for It an be credited by your next roaternant an cash advances
and closing date.
b.=Prbd
tra hew In addition, tionthetad 'New
on any trarraetbn if you do not pay
Aaonig Fla- Charge. Tnrracdorr vvhbh am not
stblxt m a psoe prated an sewed licence drgp 1)
fen fns dam of rive tmrraWon .72)
from the dab the
naaaetbn Is Waceaard to yon Account or 3) from to
that Mrdar dry of the turn bong period AdcMiaWy,
the penaoca
if you rid not pay to "MM Baiarm from
baling War p H In G full, ch. to nf
tn?theup?Yd by Is Paid In fill;
This mesa that you maV ai owe harm ch. , even f
you Pay the end. New Balrra kndrmd an the fion of
your atatsnam by the era onenrt rloskq data, but did
not don for d he provlar mash. IApMd m dnargee
a. amet m fro pram r yrr sugars.
tc. kiiun Firms . Far ssM 4N padad dirt
yar auwt 6 wLNaEm a ileac drryeMp?n>?inwanN dr
toW F11e4NCE pWiO of i0.e0 wi bs
fatal erWlee (tor rssc!tihp helm rig of
emrnt fen thsle? 40.50 mir*- 30. old the difference .0 be
t lied m rive prdrn of?yorr amaat.
d. Ttaper Rer r the
no
lqi m rot aceas n phew We ne any r as mrloe charges for for an anY 0-it
2. Awmip perid. s I New P ndmnl.
a. Finance Mange Is uWated naldO*V to daily
belarer of each sa(Fnrt of vote account (e.g., casin
ad-, Ini sfer, and apedai puxdvess)
by der tallerygrdrq daily perbde mr-W tart has been
the Wakp pslloa, - apply a. pnore refs tar eeu+
sgrea of yar aorsrt to tar Worn of -a
? pa
segment. Than tlwdsrrdallyy calculations to ar?tw at tauten ymff
tar Inem?eeMs -1
r 1m. uW
harm dugs for your amour. To get tar bslro
for each aapnrt of ya+ term, a-r take the transactions
and powrbeach de finance etdraigr calculated! ra an to Woviours
?
rya halrm br that segarem We than tieing[ any
pspeo or credits pasted as of that del that aro atocated
to that aeprwa. Thb glue r to sepa.ts day bdrm
far *Kh asprnra of year acmrt. ifawevor, if you the
New Balrm ainovvrn on your prevlaa ststenrsnt In (a
if vote new bairn war zoo a a twit rrrort), new
tmrnsacdorr tv/icn post m your pucrr or apecW
pudrr aeprear res net edtrd m rho defy balarraw We
t"he
the
Wlerneeo tapstlrr and M5=by ?:.dof
the dsw In do aria. To caleLm yotr total
m rounnq m a dirt/ bow,; rs a s
o bettuerv this caltlllatlall ad 0,;P:
mour of
= bslarm of oath aspnem nM l. event W fns nnrnet,davie 17 rteadd sly
new
tnnsaotave m saUr aa= and a,M,W any payments
a crsdna. (if the code N appeal an the from of this
naternerd next fe'Balance Bete Applied To; we else
sWtract any upaid trvente charge Included in the balance
of each sWas t.) This gives w the duly balance at each
Then, we add up as the daily batancea far each
reganers for the bMV period and dvide, by the lulel
rKxnbw of dap In the bthng period This fives a the
a day burro of each segment.
3. Ans d Rabe IAPR1.
s. The term 'Annual Paarltatle Bats' may appear as
APR' an to from of th6 suumom.
b. If to code P (Fdme), L (3yno. LIBOR), C (Cerdecate of
?ement (next?m tnetlyd Pgdocle r?amW tthe pferdont AoOCf
rate and corresponding ANNUAL PERCENTAGE RATES
may vary :,k"dy and ray irncreass r dscroasr heard
on Aar sated Mdior, n lard ti TM W-Y Street
.4oana4 plus to maatln pr woudy dhrJassd to you
Than d?srrnp? vvia 6s w m the Inn day of your
a mhs =7i(1 c. If the cods D •mo.UBOR) r O (3•mo.
ILIBOR Repriced Madly)appsao an iha front of v%
a.m.ht oche a tar eedadie r?mla). fir eeriode rel..
the margin p.Notely disclosed to you. Th dnarl0as
tvet be effective an the that day of yam bikq period
each month,
4. Anesnrr of Late, Ovrirt and Rebsnhd Paine t Fee.
Your sro rum will be sseessed no mare than two of the test
acted here rivet occur during any Makng period Under the
came ai vvwr ostamer a9mrsarra, we mearw to right to
waive a not m aassss any me whet crier rretuton to
you Wihout v I*q ote right to asses the ems r almaer
lee. n • Iaur tine.
b.iRrvawig Yar Aeoaat If a manberaNp far
res on the inert of do atnemrH, Yet haw 30
dap tram the dine thle stnament was mailed fa you to
avoid paying the In r to haw such fee credited to you
If pat cancel your amrm. DutM tie period, pat may
nmarimirship to use vour exalt MhMU having m pay the
s by by fee. To cancel you accost, you must
notify u
ratty calling oat Gtaurnrr Rwtarr Dspsrtmrd
and pay your New Balarm' in fail excluding the
manbsrMip tn) prier to to and of the td"y period
6. K You a. Year A.-ad. =r pee to dose
yyrarr by --flog ate Relators
Ue"=Y m rant destroy Your aadt caNW and
account access checks, cants d prowhhodtat bibq,
and coass uYq yaw account. It you tie let carnal
pnaWadzad baFq arangrnerls, we will consider
recalla aofAdBda Nyor authorization to
aecast wM not be cued
calla You pay ag entente your owe u Including: my
transactions you have authorized, finsttve guile, pen
due fen, ovellmit fees, reamed payment fen, cash
edvarm fen and any other fees aeeessed to Your
storm. You am teal Ill fair tan amnms whether
they appear an You aecohse n the tore pyatuh retFtsn to
dire to account or they am Incurred susseprerrt fa
lax raquen m doss Vrs accaat. TNa may nerd[ in
Maras arreadve on teen acruart slur wu he
m you aaenzeatar -t. Z. aiat in the nveldhrnt act a =in man a fto r oyo vva
racdw ar ur
account has been Utsed, = aaaim .IN be reopened,
the arnasrt of to tlnotge wi W added to Your account,
and yyqou will be responsible, for payment. If them 1. a
lnerreeip fee for you aocou t, the fee v IN corirem
to be charged, to the teen pem*W by low, until the
aeewx baWtce him been paid In ha as defied stow.
7. Uakq Year Aeaaast.Y- card or accent cannot be
used M connection with any Internet ganhhang
transecrlar.
a. NoWs About r7sabarie peak Carwerrbn. When you
provide a deck as payment, you auhariz , u ere to
teas knfornarion from year trek to make • an.,d-
dectmNc fud transfer front vvu bank account or to
process the ppaayment as a trek transaction. When wA
car infrmrbn rem yw Meek m make n dactmic
fuel tranix, fuss rnry bs wrndawvn from you bent
account as soon as to same day -a rec" yar
payees, ad y will not meal- your crock back ft.
yar ikrrnUN kieou dmalan
BIWNO Rialn'S SUMMARY
(In Cat Of Emrs Or Oussilorre About Your Bill)
If yw think you bM le -*%, r N :L0=1n
inloaan on e trrractim r bill sepamu sleet n soon n pou6N ar tha add . ms tar
knpide etawah n fns from M thM st9. add We nut
Ire fern you ro lafer flan NO after we erns yce to
lire tll an vdddn its rte r appssrod You can
--t ate Cutansr Ralarlaer number, bur doing so will not
ppmeseanw your rlgirta. h Your know, give u to following
knMdaiate Vote ten and account number, to dollar
amount of the suspected err, • desUdptm of to euor
and r atplanstan, if poalEleNWrv you believe them Is
an error or if you need mote ton a dear on of
the hem yon aro True about. You do rot have m pay any
amoud In pwtlon wfia we aro h, but you
aro si abagatad to pay 1M paru of your that son rot
In question. yMb we Mwtiosu you prsdan, wa cants
report you as deanip or cab army action to aaer the
amaat Ya+ greedan.
;,t Special Rule For Credit Card Puchasea
If you haw a Wahlrn with the quality of property or
servims the you vdP s erouft card and you
haw triad In fait m mneet the Problem vdth the
mended, you may have the right not to pay the remsi ing
amount due an to pmpat?, or services. You haw this
oNy tar Puscnasa plea von mars tlrn
a° d 1M fltMae vws made in Yrx Imo slue r
wttlin 100 tiles cl vex mMrng addraw Of vva own of
ad?vertiie ent f the prroph rty «?vfa ft purchases
an covered .paidess of amount r location of Purchase.)
Ream trremher m w a c newrwan-
t Doss not apply m oanaunr noo-cmdN gad acco nts
t Dow( rot apply to buseaas nr 4.0 cad acewaxa
Privacy protraction: ne err
service mark of Capital
hn roorwd 0 20003
h
01LOLBAK
b. li the rods Z a N appsa. an the mat
tae m iBdrm Ram Appaed To_ we
laprfant Molds: Payments you area to u vi be credited m Your scomit as of the buskveee day von teoaiw pea 40d (1) you rod to bottan portion of this statement and Your check
le rive wncbwA rwni twos onvels" ad l2) yar gynwm Is recalved h rhte caner by 3 p.m. ET (1 roe PT). Plsass alb. at lean live (6) buakrx dap for pastel dewry
Paymsme halved by us at arty other Im a F ary We tom may not cmdtW as of to tat, ws mealve ism. Qr Wdtvess drys am Monday through Sanaday, modudirq It vs.
aomurrt br?tr? of to clock `fH wW Von you tlnafzptapsttr yourtoymrtt sand a a cMck ), you at hadze us to make a onetime electrode transfer MMt Tmm your bank
atan ipplles erg its received during the lolling cycle evwt if set by someone else. If we cannot profess the transfer, you authorize
u to make a charge against you bait accent using to Mack, a paper daft ae Over hear.
CapHalow
what's in your wallet?e
THEODORE F BURD
TAKE CONTROL OF YOUR CAPITAL ONEO ow
ACCOUNT AND KEEP IT FROM BEING
PERMANENTLY UNUSABLE.
We're here to help. You can regain your charging privileges and bring
your account back into good standing by paying the amount due on
your statement.
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.
® 2006 Capital One Services, Inc Capital One it a fedm 4 registered service mark. All rights reserved 05607754
Capital0ne°
Account S
Previous Balance $1,798.54
Payments, Credits and Adjusuoents $29.00
Transactions $35.00
F'mance Charges $44.58
New Balance $1,849.12
Minimum Amount Duc $256.00
Payment Due Date October 03, 2006
Total Credit Line $1,600
Total Available Credit $.00
Credit Line for Cash $1,600
Available Credit for Cash $.00
Atyourservice
To all Cwtoma Relations or to report . lost or stolen ard:
1-800-608-5227
For fees online.acaun strvia.nd spa" mitoses offer, log on to:
www.apitdonnmm
Sendpgmrnn to. Sendinquirin to:
Attn: Remittance Promsing
CapW One Bank Capital One
P.O. Boa 70884 P.O. Boa 30295
CMrlotte, NC 28272-0884 SL(_ UT 84LM-M
Important Account Information
Beginning October 1s4 2006, based on ytnv account activity
you may be assessed more than two late, overlir* or returned
Beck fees that occur during any billing period.
PLATINUM VISA ACCOUNT
4388-6413-9830-1460
AUG 04 - SEP 03, 2006
Page 1 of 1
Payments, Credits and Adjustments
1 25 AUG CR PAST DUE FEE $29.00-
Transactions
2 03 SEP PAST DUE FEE $35.00
You re behind by four payments You still can't make any new purchases or cash advances on your account.
But you can still regain your charging privileges aad br' wvc aaount back into good standing by paying the
amount due on your statement within the next 30 days Unforntnarety; if we don't receive a sufficient
payment, we may have to permanently suspend ymtr charging privileges. Need help? Give us a all at
1.800.955.6600. We'll work together to we what your options are to rebuild your account status.
NOTICE: Look for a new statement design for your Capital One credit card beginning next month
A summary of the key changes will be provided with your new statement.
You were assessed a ptat due fee of $35.00 on 09/03/2006 because your minimum payment was not
received by the due date of 09/02/2006. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
enhance Chargm Pkxe rK re jeJJdkfffrimportantt igf4jn?llaJ(tr?O?m
m Bdmuerde pfrer C dYIC `l'l l" AFCVG
? ?Ief41 d!
?. PURCHASES 81,810.74 .07%XP 2&"% 84458
CASH 8.00 .07942%P 2&99% 8.00
ANNUAL PERCENTAGE RATE applied this period 28.99%
PLEASE RETURN PORTION BELOW WITH PAYMENT
:A ow 0000000 0 4388641398301460 03 1849120138000256005
New Balance $1,849.12
Minimum Amount Due $256.00
Payment Due Date October 03, 2006
Total enclosed $ ?
Account Number. 4388.6413-9630-1460
P1'rasep.rmtwailya11r a,eL e,?a?e..?.?,.;?g?..a! t6?.t
Sen Apt #
Gg a- ZIP
Hare Phone Alw tae Phone
#9024631587680575# MAIL ID NUMBER
Capital One Bank THEODORE F BURD
P.O. Box 70884 1111111111111111111111 1198 SHOREHAM RD
Charlotte, NC 28272-0884 n CAMP HILL PA 17011-6135
r
11111111111111111111111111111111111111111111111111111t11111111 ? ? 11111111/11111111111111111111111111111111111111111111111111111
Phrase vane your acm w number on your check or money miler madepayable to Capital On, Bank and mead in the endured erriv404
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m
oil
O
mki- =P.11 a
e on i , rov
bdrroe vwwf e, row special prdr and row oiler
Cergm N Youps Y wrr total 'NSw Balrtm', I.
.mortr,m wiA ri Nod Notice for petmrerrs below,
rd in aro W it to b vadted by your rota stnsowa
deft. Th- I. - Mwdal trrrfaa h grace on, dyers b prampram peried
b arty trrrerabrt N, do rot pey ri total •New
b. Aertirg FYrw CLrpe. Trrr•ctlae yMddr aro not
? ri deb M tltiatrarrectimapeped? ? 1 i
ftwadiat b prooered to Your Amant w 3) from the
Mal ulardar dry a the aarard Addidaely,
f did not pay ri 'New 8drtoe the prevbia
yar tnMid ILM, udl tlr urpdd balms b paM in balli
TNe mew thm you my still owe Fwm derpp, exit
you pay ri arsbs tbw Beleroe bt6rmd on tM horc of
yotr tttaarrrertt by ri ret¢ stMarwa doWtg rids, bur did
rot do se for the preNrr malt. UrpaM lbrrhoe Curges
m added m tfr a?ECaNs spots a You Aocour.
tc. Ittrrbrsarr Rbhrw Chrge. ra esdt hltnp period 1Mt
Nor etcarht b wrbba m a lertm der", s mHmm
pMbd? bw dn.GO wY Mn
will be
agrrrht a •mard.
hied m the Pwwda?
td. Taatprry Red)n Nrtrws 47rpa. We raerw the
alga mpsnottd...... rw cr N drwrs tlrrge. far -Y tiwn
2. A bpw.(.wo OYy (Wnse Ibrbrira New Nrtlusaa).
a. Rrt•rhoe dorm b CaksMted by mulddyhq Ohe de(v
Wi Aauly drdopdm You. At ri wed of e.h day d=
ri Olip osrlod, we apply the FertrEe ram
asptwa of Yar street m tM Mlrtm a se
resorted. Then at do and of ri period, tw am tq
ri rerdb N therh"erd?esllybruludedae m W. =ri
? lb from e.de seprwit rdttetdo total peMdc
he helms
frtrhm dhsr{p for aomrm T. XL.
for e•dt pprwd of wwco" tlr
blree tar aarh Pnwvt and said
rd rry?dc Rhrrs tderys tsdaMtad m ri prsviote
byre fM Ott reprpd. W. tlwt arbfroct try
%rt.1ppnT1This - sep?mb b
for aadt h a Yar at pm i Flouit u If you pdd tM
New Belro alwrtrh m ypu prMar srmra b M (-
If You rave bd- twr zero w ¦ eretlt rrouit), row
lrareaNMe N1dch Pod m You Putltep aspecial
cal ewnpesrodzl?y bY?inmmby sdlr? N tM dT
h•Ireee toasOer and Avfdrha the ran by tM n•rbsr of
beQmiip batanm
eub nrerd a aaear?Ji f?tgnsa eaOr pY. sapaaeny now
m ,,Ij ri To,.
or 1, ..M ro(11e dl mDods•Bal.Nroape Rate
" also
.,tm.t any vQYd fronm rh.rp. -kbd MIM Wawa
a aarh ate.) TAM o•" u ri dMy blartoe of oath
ppiwd. Then, wa add W"" ddYYyy Wlrrme far emh
eepnrtt for ri hiYlp period and = by ri told
nunbr of days b ri blip pedod. TNs gives u the
a- dally bb- of eaM sgnant.
3. AnW Pars+Mys Fabn IAPR4
a. TM tam •Arswel Pstcarrtaga Rate may appear as
APRs m eta *W a tlb abtem
b. If the code P ('rime), L (3++e. UDOR), C (Certificate of
Dapo.W, or S lBanbeard Prime) appsan m ri had of
rob staternrri one m ri t»dodle rablsl, tits periodic
rat" and rp ANM)/LL PERCENTAGE RATES
my wry ind may irctoap ur dsaesse besed
m ri stead bhloes, p bud in TM WiF Sfmat
prsNarly disclosed m you
.drang plus !.Zan
Thep w m Ow first day a y-
periodic nnemwv endrq
=7
b ri ro1 F(t?rr Apl, JJyy and O toESr.
c. dirq If DO code ds 0 D (Prbre), pabd mwued by youo. LIBO)B a O (3-mo.
UBOR Repriced Madly) agre?n m ri from a you
mtmwri next to ri padodic ratsW
and wrs?ardrq AMf1AL PBiCENt`AOE TPS may
wry ntaWi hdy r may rase or dsapp bpd m tM
steed bale", p bud In TM WW Saeal.brma? Pkr
1M martin
wY cd I dsdoaed m you. Tlrose dtm(ea
n etlectl- - m ri fink Ny a your blibho peried
es.
4. Asa..ain" of Lab, Owirt and Rabartad ==
Your •ecaus wY be assessed ro mom Ow b"
fated Mro dw occur duktg try Niog Paried. Ilrtder ri
terms of Z==,j wa ropne ri rigid m
tleut oria rodfl"Om to
hdthra twivbp our dOW to aaa"• cite arro a abler
n • Ina thee.
6. your A..-L If • mamberddp fee
appuro m ri /rote a Mb nnemmt, You maladhewm 3
d•ye lmrrh ri aloe tNa mtrnatl Now yea to
avoid payhp ri be or to how sLwh f" aedhed to you
if you cenml you eccan. Duda( INS period, Yeti rosy
Confirm to zee your acca•d wHMtn he** to pay the
trtrnhstddp fee. To carrcd your •mwrrt, you mud
ratify, u W C.IwV out WransI lbiatioro Dspam a t
end pay your New Bal•nc?e• b hl beaAr6np ri
manhhsrNp feet Pri m tM ad a tM Wnydsy Pealed.
A N You floe. Yee Aaawml. Vou e•n ragrrsl to lop
yyooutr accotrd by crop out t]rtomsr Relafiar
oeparlrrrern. You rout denroy your etsdt urdh) and
eccran aemss dhpb, Canc•I al proaWedzed bl
and mssed yeti a •ecoran. If you do not mired
prnutlerizrartpsrmms, Nos wi cmdder
reodpl of a Curys yea aWedzrticn»
aeeard. AddnlaefY. Yar •mant xll not bs closed
umB you pay N .mans you owe u bdWrq: try
tra"setlon Yrr Mw aut{todzed, frh•rrm dug", pan
due fees, ovar"4:= robtnted fps, cosh
advrhce fe" end but asserted to you
aocous. You am pto tlhap amours hMedher
to
riY epppr m you
dw mwtr aemt ataxue n the 1Nra yyorur re9ren
tense 1M accord a they era btsrrrod wps4rem m
dur"a ipmsnaCWUIt etur year t
N?yar w?deri:ea P ? f an ms?idrK anal ntw
romhro ri tweecdm from ri merdur atbr Yov
aceoud Iw been dozed. you/ eCmin tY b recpered,
the ShWM OF the tfi•rye .,Y be .road to Yorr .emrak,
aM yy?ouwN bo ro•Proe »r peymer[. IT tlrre h .
rttrrr6aaldp fee for votr .r?urf, ri fie wi mrdbara
m be ch , to ft dwrnt pemitmd by Wv, umY tM
accent 6dnm iw been" In hall p wdned uow.
7. UiibY .Yl?w mor accourd p wl be
ut
8. Netbs Abe! Elaeaerda tltaak Carardon. What you
prwld. drdt " peyntaa, you autlndze a dtlher m
um iaonn•don iron Yor+ oMdt m mew . atsti+r
dectmNe Nod trwfw from yorr bw* somud a»
Itrotr=:= u a ciheek tr•rr•etlara When the
:r km
Yotr Cteck m maw art eledrorde
find trarrfer, finds may M widtdrown from yow bade
amen as soon as ri arm day the rood" yw
=-.1 •rd you vdl not IBmIve your Check back frrn
Yr+ tbtsrtdal khedtrdon.
BIWNO R1%fTS SUMMARY
(in Cap Of Fimrs Or Oumdare About You il)
If ya flit yourbi b wrtp, or N you need rums
Inbmtedm m a trarractlon a hi, tvrib to co m a
aap.rob sleet p soon p posaltle at ri awrop br
irhgrddp alnwo m ri fiord a fide smtarrrertt. We mrt
huh flan you ro Ina 1Mn so days It. tw eam you ri
first bN m Wish ri emt M preplan appured Vou con
CA au ant met FW rspber, but doing w wY rot
P- V- ddtL m atiorC Your In and amarrt nether 1M dMWW War Mr-, 91-
mare of Out wryaerd Mrs. • daeedptian of it. stet
and m coVarw If poa , of Wrv you ?w a
m error M It you need more bpm
not bw m pay try
ri ham you m uzap about. Yd.
arrtrn b ghr•tlm wile we •m N-"o•drq h, but You
ero rti obEaemd to Pay tm pane of - bll(1Mt aro not
b grwtlon. WHb Nos Inwuwts lase weWm, we arrot
spat You p defrtghpn u arty ctlm to cdbct tM
arnoud you 4up6an.
i,t Special Rule For Crodt Card PurCxps
11 Ym tfaw a Problem wfdh Out O n of praprly a
cervices Oct you wilt • dealt cefd and you
Mw tried b tdfih ». comet ri prahlem tvith the
mettritrd, You may hsw tine ryd not m WY ri rtaneirdrhp
arrraun due m 1M prapady a 1eMC". you bw fide
Pmt V :% wMn Ur Pudup 11-
vAMY?100 Ns m•liq .&-== ?t wo owti re or
sperm ri tnerdent, a N we muted yW ri
adhrartlsmlMd ter Ohe prapMy M services, N purdepa
aro Covered rep.rdap of rnartt a lomdm of purCUU.)
Reap ternentber to aipt N corroapadrrs.
t Does rot apply to oan a-aor-craO urd acco o is
t Does not apply to btashess son-uedX trod acconts
Om wppom Irdwitailon p vacy p»tecbon: ses out
i at www. can.
Orm I Capomtim. tr(Ids service made of CaOW
micial
mmrmL 2003
One a 01L.OLBAK
= pedift rob rd by the ember of days h tM Ninp
DedrL Du m raMp m s y bsb, tlters rosy be a
diva wdrirrrrpme bere this calculation mid do sattnrd of
b. 1*f Uroode Z a N ippprs?m O?ie hoot of IN. M-.n
rier¢ » •B•Iree Rm Amisd To.' we mukk*v d.
Mpatatt Nerba: Paymrds you mat m u vr11 b crslted a your atxotrri u of Ore WNbnp by vN reodw h provided Il) you awl ri Moan patlan a tMr sttwnari an0 your deck
ti ri arclosed radtt•nce mwbpe and 42) You gymart b recdred b our rompbha caner by 3 P.m. Ef <t f rote Pi). Please slow n Mart five (6) Mdrrp• Gyp to putd
P•ymrnb raodwd by u n airy atltlpesr laeatlen a In try aAMr ben rosy, nil bs eroAmd- p a Ots drv rr ncdw 1Mm. W buiep days ere Madly lhoultr Sraprpiy std druNp hMGys.
accord for ri a asd?o? O?deck 41i audtodzpanOpmadanpPpydassurtoe Wlrn yw trd p a deekW Yso autfrdze u to mob .ono-fbna abeVade lratrM whit ban yar bit
u m mob a durye apalrel yar halt amotrd uehq Ors dick, a p?aperdnft aalo?iAaha?m ri ?p ? ? if pm by dartsahe eM. If we cdrrrvl prom- the turebr, you aNMdze
Copiital()W
what's in your wallet?
THEODORE F 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.
® 2006 Capital one Serving, Inc. Capital One it a fedemlly regirmred service mark. All rights ra-d 060.07754
Caprta1CW
Account S
Previm Balance $1,849.12
Payments, Credits and Adjustments $.00
Transactions $35M
Finance Charges $44.%
New Balance $1,929.08
Minimum Amount Duc $329.08
Payment Due Date November 03, 2006
Total Credit Line $1,600
Total Available Credit $.00
Credit Lioe for Cash $1,600
Available Credit for Cash $.00
Atyoursuvice
To an Cwtomer Ractkm or to report a lost or stolen arid:
1-800-6608-5227
For free online swocmt s ce and spend eutoma offers, log an to:
www.npitabnccom
Send paymrnb to: Send inquiries to:
Attn: Renuthnee Ping
Capital One Bank Capital One
P.O. Box 70884 P.O. Bea 30285
Charlotte, NC 28272-0884 SLC, Ur 84130-0285
PLATINUM VISA ACCOUNT
4388-6413-9830-1460
SEP o4 - OCT 03, 2006
Page 1 of 1
Payments Credits and Adjustments
Transactions
1 03 OCT PAST DUE FEE $35.00
You re behind by five payments - so we've permanently suspended your charging privileges. If you don't
make a sufficient payment in the nen 60 days, well charge off your account. if your amount is reponed to
national credit bureaus as charged off, it'll have a serious impact on your credit record. Plisse 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 [till at 1.800.955.6606. Well work with you to resolve this matter.
You were armed a past due fee of $35.00 on 10/03/2006 because your minimum payment was not
received by the due date of 10/03/2006. To avoid this fee in the fume, we recommend that you
allow at least 7 business days for your payment to ream Capital One.
Finance Charges Pkme w revnmtidefor important information
Rd~.* Period. ,?,,?, t
ytjww& rl* Ir.
PURCHASES 81,870.75 .08011%P 29.2411 SM.96
CASH 8.00 .08011%P 29.21% 8.00
ANNUAL PERCENTAGE RATE applied this period 29.24%
PLEASE RETURN PORTION BELOW WITH PAYMENT
cw 0000000 0 4388641398301460 03 1929080138000329089
New Balance $1.929.08
Minimum Amount Due $329.08
Payment Due Date November 03, 2006
Total enclosed $ I
Account Number: 4388-6411-9830.1460
Pkmfriarmair.Vd --Al r+d.W jrrkf uugXwarM.*mi
St Apt l
Coy Ss.u ZIP
Horns Phom Altaaaa Phone
FmsaAddms
#9027731587680570# MAIL ID NUMBER
Capital One Bank THEODORE F BURD
P.O. Box 70884 Inlulnllsllnnlutll 1198 SHOREHAM RD
Charlotte, NC 28272-0884 CAMP HILL PA 17011-6135
IuLIInnlunLlintlugJlhndanlduLnL,IInaLdtJlntll ? InnlllnnllhnttnlhalltlltnttJlnnllnldtLLtlnltLnLl
Pkam w teyow armant aamber on yaw theft or money mda modepayable to Capitd OwBanh mid mail in the endued emutope.
r
S
i?
Z
g
O
O
M
O?
e. Aar Prled. You oAl hew a mYymH grsa period of
25 drys whine[ frnanos drrye m mw pudrsra, row
trarrfaa, row apetlY toar and new atlmr
balance
drerget If You psY Yots toW "NewpsdBelase', n
acoadrra whh the MtpoRam Norir for paymm?ts below,
m be cmdtsd by you roe raaternem
rd to ume for It
s d napOOlY vrwfsm. h add?16r4?s b grAeO POrkdperiod
m say trerwmbrr N You do rot Pay the total 'New
h. iig Flrwa pseW. Trarrr.'tlar vAdrlr are not
5t dab d?At aacdont barn [hided ?thet)
yav unpaid balaee umY dra urpaw UaWws b pad in ta
THa mare tint You mayBasltri?ooatw IMes drn9H, even i
imlicaurd m?t doiiYm the front h[odtl
= sera "am W tN iro I wMm. m
ptevlra nrn Upeld Iktrice tlryH
not do r for the
sageness of your Atxoua
aro rlded to the
t c.
t&
2. A
a.
beymrn WAND* a each == .y, aaa arty new
trawctlam m cede esmned arty pytnenla
a uadm. (N 1st Doric N appaam m tN tmm of Mi
ratanan roxt m'BArwe Nam Applad To: we ale
aJSraa arty uryelA inarna dwgs irrArdsd ti 1st belrxe
Y balawe of ssrh
of rdr a.F.Mt.) =91:-A
aepnam. Thn, w1st hW bdenoea? rho
mminbx of days dMde ?? u tN
awnape defy laden= of sack eegnmt.
3. Amed PwsrAys Rabe IAPM.
a. The term 'Annual Pewsmage Plan may appear as
APN' m fie flan ad IN@ sutarnaa.
b. If the aids P (Prima), L Bins. LIBORI. C (CadACete of
Deposm, or S (Rarrlnaad Prime) appart m the Was of
this sWarnatn next to the Mriode mmW, M oarlock
,at. and :rmmporndrp AMAIAL PENCBffAO RATER
may wry giwtaily and ray Incmar or decrees ba.d
m tiw sated odrxw, as gjNdai?n TM Watl3Waf
d?arr??pet v.Y?ba a tllfae w m ? tMhY Yes
?d?ie mo?inh. ?? .M v and October. ?p
etrianmt n d WOW ptriodC mleW the Was
and cen.porrdrw ANNIAL PH)CBdfAOE TM may
the maQfn PmMawY driord m Yai• 7fese rwrg0+
ww be etbdiw m tN Amt dry of yoon Win paled
each moroh,
0. Amemaena of Laos, 0a1si asl Maud Paysrt fen.
You exam wi be greeted ro moro t h. ?t fei a
Mad has that ooar du6n ry Minn pe the
dgls to
tame of Y0a wridnsr apaanem, vro rHerw the
noels a M te atesr ry b. vAMan Dda nod6aatlr to
rritlrole welvkn our right to area 1st -.amt or slmlar
ri a lets tow.
Yom m Aeorst. If.
nwmbtraNp fee
6.
app.m m the tram of tide emtrnam, yes Nw 30 msl edd WYltp Uts bstiw to lu~w rauh tae erdM M You
If yes erxwl yea ateoue. Dtrrlrti 1Ns period, you may
edttlrw to sew your aeoaas vvititax hiving m pay iN
retif cello/ Z-d Q -.mar Nalatiair rlrt
and p?sypon New Selarw o N Imxh'drn tN
reambaaap bas) pia m tN end ri tho thiny-day period.
& N Yw Class Yeur Aeseus. You can repwr te dose
you aeceran byt. olbn aw Canams hlrilarr
nmerd. mat derimy ysa seed[ .d and
oepe
accanl steer drels, newel W paauhalzad W1op,
and cease ad IA youraccaH. Nyou do nnettpcarvoala
sc , dew ? tlosed
saws. Addtiwly, your aeeoue vri be not
1sn1 You DeY M arnt,tsa you owe u ochndrn: rry
lrreaelar You Nw atshMzs4 llrrwa dugpa, per
rut b., owAmk br, Murod WYrnrs bee, cM
say otM fe.:ratted msn W-W
ed 'I'.- end U
eceouwrax. eapariWa br we ema wMlrr
[hay apfwr on your arxmrs at the tow yyou request to
don tM ecooutt a [hay tro kavrred atraapwm m
d?ia ?t tbw m vw arxemt -.ter you road[ la
yov axotnt if k Ns -.beady been dosed. For example,
k you aWwkad • gschre imm ¦ memte rx and ws
mcalw the tra rscdar from the madras after Y0a
accoutt hit been daaetk your axes wi bs rvopaed,
die roast of 1stdrryrpst?wi bs addd m y'ors sccouK,
rdyw v??A?I be reapanlbla br pepws. If them b
membenasp fet for Y. aorars, IN bas f amts
k pam'iRad by Wv, utd tN
m N dwmd, m dm srHr
aceous 6ianee hr been Paid In AA r dshrd :bow.
7. Ibin Yar Arart.Vou egad a sceaun caner loo
tte0 M eorrwcdm arM rry kssrnwt PmbYrq
banwCtlOna
8. NsfM Abort Elsabads Gnalc Qawrdan. When You
p?Aldonnrnatirt fmm rind m ? onrtins to
electronic AaW trwfaa from pv bads acoant or to
=Nmmmtiont f-mm Yeses =:==
find tianrfar, bade may be vAdrdmwt tram Ye r bade
.M,fft as soon r tN ems day we noel- Your
papras, and Y tai not rxelw y- deck beck from
ywr ArwsAel Yrou tloslan
SIWI/O RH3HTS SUMMARY
M Car Of Error Or Oaatlar Abou Yas BR)
If yes tltlt VOrs hal b wan, a If yes reed mac
inbmratlm m• trrwrtlah a 611, who m u m s
srpram deal H foam H'POwds at 1st addm. for
ltgtiniaa ahowt m tie treM of this statentertt. We met
hear bean Ya rr later tAM 00 data afar we aeon you the
Aar I= on vAicln dna ens a Pmhbm appaarod. You can
call or Cwtamsr PAWd sew msder, but ding r vAl not
pr yea dada o ya. Istta, des a tN tolmWn
ri itmimdae year rwm aNl aoca description IN Are em
-.mast of ties andT P. army, a dert(ptirn of 1st amor
and r stPlretlon, H prYhls, of wWiryry you bskeve them of la
r erase; yo Ill yes near mare obmrtlat, a d.e=
1st ham you am anus -.boa. You do net Nw to pey ary
-.mast in gertim vriAs we am k w dgV It, bon you
am atN o6lwbd m pay the pens of yar 61? tNi am rest
In Bastion. ?N'IYb vw krvstlpam yes 4wrm, vw coast,[
repot you . dsWptwm a te arty acrlm to toNect 1M
aneunt yes gneatlon.
i,t Special We For Crdt Cam fled.
If you haw • pmNem vdth l grnally of pmpenY a
=,j-. vAth • aadt eras and Yes
teltit m aenacl
oNymryNw tN drropkpproblem with t
mNyw d py tN temr g
4and tlw pwtlwr wow rmade in Ywr home sate a
vMw 100 n of yea m ev addmr. pt we own or
-.prate /M mtrtllrH, or H tw mYW Yw tN
M ptrdus.
adywnlaannarn far 1st or
aro eovamd ropes mot Mrraas ate, of pusher.)
Please rarrnber to M
t Does not JAWY ft, coaeunar eareradft card aeeawts
S Does roe apply to boaloesa r mdllf cast aceomis
privacy protection; a. w
roe vw%fte mark of C&OW
hOft mWv.,L 0 2000
OILOL&AK
ILNessr fitaneegwim, for aadn bMW period 1M
= socatea 1. ¦6 FINANCE CR OEE?otff $0.6600 vliNI bbpeprgetYtrg?otlrmd Nythe
pM?odes ?b? t ?m.GO? ? tNt
bled m 1st pudwe sgnw? d atxasr.
Taspray Redustlsrt in Mw Otaw. We reeve tgh
riot m ntot anon ray a M Arsenm drryr for rry pWen
flw'rre droops b ealaaaled Try mWplylrnpY
bat= of sack aeirrrs of Y01r trteaas (e.y, .aft
sdvrrce, pudnse, tPOrAel ?. ad spadel purdwe)
6V rite dale parbnlc rate(t? tint Ir. ben
p
the MadYpdalor?, to lac At the and of each
?
asouaYm tltlrrd?balW?lYkq =-ch
= of~
a?iM ya?r up
k
the of these ?y e?YoYtlonu to
perlode Awxw drT fa eafi arms
We add tp the
Mew drrye fa year xiapoux. To ar the dally=
bsdmiq
for satin asinrem of Yar atsaat, rn+Wnke the
balarrair for each for Onst p prrta a aim pososd? r of tNWe then t My that am alonmd
m 7M egos[. This gK- u tN aapame defy baler
you p.W the
for astir 00D^01s of Yar -.awe. Ilottsvs, if
New awarwe at- on yell. prevlaa tretaners . bA (a
If yar raw W Wroe wr last, a a asdt sawus), row
trarwNonr vAidr pet I. yaw prsdteee a aperdel
re dapdrrp0. N [te error[bier eyads. To alalra you'tete
-tlply Yw awmpe defy Dalrroe 6Y Ute
horse
=r.-= y de menhar M dap In tlno Win
O e defy fleas may Do e
SW vedrdrrxpw o between thb ealadslirim end the tsrrass of
b. If Me Dads Z a N pwem?m 1M Yar of thin aaromt
.tad m 'lslrws Rem Ap(Aad To: ws mw* the
Innpatrt tlstlos Payments you mat a a vNN M mtdrsr m your accaus as of the buslwn r.y vas mods pmMdad (1) yes awd tN baton poNm of this sutrnsm and yes duck
la tits arwbrA rwelftswa anwlap and (2) Yar paAran b mcdvad In w Znr by 3 p.m. ET l1 noon Pry. Plaar allow at bart tw B) Ixaltase hip br paaW Mw
PayAtwta mosived by a at am/ adrr location a o rry other bast may not 6s are W n of 1st r)ay vas rea=q2% bul- days am Monday tlsaryr Satuday, aalnWtn Nlrap.
Pleat b rest we strpl. Ppr dq ele wMn ptapatY? ywr tsk. When yret send rite you make a artims ebclmrdc trambr rebft iron Yw boast
aaeran fa 1st armor[ of 1st clwck. `Thb 4Klft Om apples.P7= mcaved billing cycle ewn N seas by aanaaw also. If vra amol process the transfer, you authorize
a to make a charge agalnat yw bade aoopw using the deck, a paper draft or other item.
cap ta?One, NOT PAYING YOUR DEBT 500013
1 what's in your wallet?' DOESN'T MAKE IT GO AWAY.
in fad, 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 call or pay the amount due on your statement within 30 days to keep your account from being charged off.
0 2006 Capital One Services, Inc. Capital One u a federally registered service mark. AU rights reserved 500013-08503
FINANCE
Previous Balance Payments 6 Credits CHARGE Transactions New Balance Minimum Payment Due Date
C$1,929.08 - $0.00 + $48.52 + $35.00 = $2,012.60 $412.60 Dt3c. 03, 2006
Oct. 04, 2006 - Nov. 03, 2006 Page 1 of 1
MEASE PAY AT LEAST MS AMOUNT
Visa Platinum Account
43886/13-9830-1460
Your Account Information
TOTAL CREDIT LINE $1,600.00
TOTAL AVAILABLE CREDIT $0.00
CREDIT LINE FOR CASH $1,600.00
AVAILABLE CREDIT FOR CASH $0.00
Finance Charges (Please see reverse for important kdomhatbn)
Balance to rate d Ar H h? FINANCE
Purchases $1,95356 0.08011% P 29.24% $48.52
Cash $0.00 0.08011%P 29.24% $0.00
ANNUAL PERCENTAGE RATE applied lids period: 29.24%
® At Your service 1.800403.9637
To cap Qntaner Rdakm or b mW a lost a sbbn card
® Send payments to:
Capital One Bads - P.O. Box 70884 • Charlotte, NC 28272-0BS4
A Sand Inquiries to:
Capital One - P.O. Box 30285 • Sae Lake City, UT 84130-0205
Your account is sic payments behind. If we charge off your account due to late payments, we will report the
charged-off status to several national credit bureaus, and the Purchase APR as reflected on this statement will
be applied to all your outstanding balances. Act now to prevent this from 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
account and start rebuilding your credit with Capital One.
'important Notice" Under the terns we previously disclosed to you, your acmmt is now eligible for an increase
in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your
APRs at this time. Please be advised that 8 you fail to keep your account in good standing, Capital One reserves
the right to raise your APRs in the future.
Payments. Credits 8 Adiustments
Transactions
1 03 NOV 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 3 061103 PAGE 1 of 1 01BC6056
PLEASE RETURN PORTION BELOW WITH PAYMENT
0 4388641398301460 03 2012600138000412603
????" I vvtut's in your wallet?*
Account Number: 4388-6413-9830-1460
New Balance Minimum Payment Due Date
Please print address or phone number changes below using blue or black ink.
$2,012.60 $412.60 DeC. 03, 2006 Address
PLEASE PAY AT LEAST
THIS AMOUNT Home Plane Alternate Phone
E-mail address @
Amount Enclosed
4903063356766057301 MAIL ID NUMBER
THEODORE F BUR)
1396 SHOREHAM RD
Capital One Bank 111111111r1111111111 CAMP HILL, PA 17011-6135
P.O. Box 70664 I111IIIr1111111r,1111111111II11r,1111,111111111111,11111111111
Charlotte, NC 26272-0664
11111111,11111111111111111111111111111111111111* 1 If 1/11111111
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.
THEODORE F BURD
t a. Ghace Period. You vA harm a minkhow pace period of 25
days WMOUt canoe cage on new gndurw, nave
tudsnp Ywlem, new special pwdseea and -.0-
design N you pay your k.W'Nmw Balance, in
Yrcof , ankh the knpadm Notice for payments babes,
and I. tins fork b be credited by yaw had WOOmra
cJahg dote. Than Is no pan period on cash adwrwaa
and special anomalies. Ms. In addidort Mrs I. a pace period
on any tmaadion lyou do M pay tie bW'New
bwra'
Q Accruing Finance Charge. Truncdru which are not
.4act b ¦ pan prbd w aweewd Ins- darya 1)
I.. the date or Me transaction or 2) from the dote tint
balMafLonn is processed to your Account or 3) rean the Tint
calerdr dry of the cent dig period. AdcttlwllA gyro
rid not pay 0. "Now Balance from to W.A-a bakg
period in full, Bras changes continue to acrua to your
unpaid alarm will the unpaid acme is paid in full. This
means Mat you may sea owe finance Merges, etan If you
pay Me entire New Balance Indicated on the frond of your
statement by to nod adolescent dosing dab. but rid not do
w for the pmbrs math Unpaid li alw<dagas ere added
to the applicable seg meld of your Account.
t c. Mininean Falance Charge. For each blhg period fat your
account Is shod b a fnanra clnrge, a minimum Intal
FINANCE CHARGE of SOJ)D sell be reposed.
t d. Temporary Radurbn In Flans Charge, We mane the
light b not mm any or d anance, chorges for my ghan
b MV Period.
2. A erage, Daly Babrra Occluding Nan Purchases).
Firm charge Is calculated by multiplying the dolly towlikenoo
of each aapnent of your amtafl (tag, cash advan e,
law , . special a- was end special whew) by the
corresponding daily pabdc rte(s) that has town
pranionly dodomad to you. At ft and of each day during
the b&q prare apply the ddypriodic rob for each
wean out d youracco rt b Oa clay balance of win
fegnrerL Than t V. cad of that bWM period. was add up the
mouth; of Meae daily calculations, b rrM at your periodic
thnharra chrgs Iar etchaepreat. Mrs cad kp fa rwub Ism
each segment brdee ottiaton periods Ilrov chargefar
YourasctnLTomot Madly. for each imposed of
yoemommoreerke Mel III kg trainee formsh
segmentasaddanyne Vwmdenswdwry perI I
fiance charge WoAmsd on do previous days balance for
pre segrners. We than asubaract any Payments or cracks
pared w of OW day that are aloraed as that eagrrmm. This
gives a the aspen. daily aurae for each togmerd of your
wooux Howwvey R you paid the New Balance dawn on
your pre%4ous statement In full (r It your now balance was
zero or a rMt amount), new treemadiwr, whbh pad to
your p rdase or special purchaw segments are not added
to the doNy bslarnces. We clo lw to average ddy
alma by adding all the dey, baganaa together and
dividing the cam by the number of Ow days In the dams
twig cycle. To cabaNb your told Donee charge, multiply
the manber of days In the b%V period. Due b rougkg on ¦
ddy basis or due to minima t finance dagm saeannd,
them may be a -lance imb- this calculation and tie
amount of MnurKe tingle acWdy mumosed.
3. Annual Pemanlshge Rama (APR).
e. To twm'Annual Percerdogs Ran' may pp-
-'APR` on the from of this wlrnrr.
h. B the rode P (Quarterly Prf ran) L (Oksarly LIBOR). C
(Quartariy Cod or S (Bw*cwd Prime) appears on the front
of Mb SWWnent nano to the Pertadb reb(S). the periodic
,ales and wrwpoMnrg ANNUAL PERCENTAGE RATES
may any quarterly and may nreaea or demeans bad m
the slabd indices, as (curd in The WIWI Street Jcumd, plea
tie merge p raw-dy dtdceed to you. Throe dmargea-1
be aff clhnon to*0day ofyour kligperiodcoredby
your periodic staemard ending in the months of January,
April. Joy and October
c it the code O (Monthly Prime), F (M-INy LIBOR), or G
(Tmawy LIBOR) appears on the born of your sweemem
nest to as Periodic mos(s), the periodic hates and
corresponding ANNUAL PERCENTAGE RATES troy vary
monthly and may nc eeaw or decrease used on tie stated
Indoet, ss found in The Won Sorer Journal, Plus the
margin Previously disclosed to you. Thane merges wY be
eBeclim on to flrat day of your bMV period each month.
4. Assessment of Late. 0w10n11 and Returned Payment
Fan. Under the lama of your customer egremmem, we
resents to right to waken or not to maw any ban vAMOUI
prior notification to you without y dvi g outright to awewthe
samerskNarionerabarke s.
t S. RrwI YawAeaowrL Its members lp tee appears
w Me front of yre seaarnm%you tale 30 days from the
dab Ole mbnteht caw coaled b you b avoid peykg tie
bon or to have such fief -iladbyou Nyoucancel yen
armul wlhol having b pay Ins nsntbwatdpfea. To
cone! your sooot,4 you must notify as by ceding our
Customer Rwfrs Department slid pay your14mv
Samos' In full (a cl dkg the membership fan) prior to
the and of do thi tyday period.
8. It You Claw Ifs r Account. You can request to owe your
amount by cagrg our Customer Relations Dspaament You
moot demfroY your redl cad(s) and aomont aorew dads,
cataf all pratlarized biing end ceaw using your account
After your request to tie, 8 you coninue to Vermont or do
not cancel prw~nd kung snargenenw, ves'*
considerreralpl of a charge your auodawn b keep your
accourd span. Additionally. your account wip red be deed
until you pay so amouras you caws us including: arty
transactions you hate appnpriLed. finemue Meges, pal din
low, ovwlmb feat, reamed payment lees, caan advance
faea and any alhr fa award b your acoounL You re
responsible for than aneurds ehatin it" appear on your
Mots t al the fee you requeat to dote one saran or they
am hcuned subsequent to your requite to does to acotee .
Thla nay relit h dngr apperition your-rd efer you
haw mcit-led the -.M b be dosed.
7. Using Your Account. Your cmd oraccount cannot be used in
connection with any kismet gambling transactions.
B. Notive About Electronic Cock Converebn.
When you provldm a chock es payment, you a dhortra us
ellar to uw, information bom your dwck I. nWu a onrlme
electronic fund aamforfrorn your bank scorn or to process
the payment as a crock transaction. When am use
hbmwOm from you clack to rake on electronic fund
thaesk wr Ards may be vAfdrawn from your bank account w
soon as do arms day rm noefw your payn mL and you wR
not receive your check back from your lin-dal Institution.
BILLING RIGHTS SUMMARY
(re Caw of Enos or Ouwtlca about Vise Bf)
N you think your bid la scarp, or If you need note Ndormetton on
a transaction or bat, cake b as on a women chid w soon as
possible at the address for inquiries shown on as front of dole
statement We mutt her from your no bbr can 60 days after wa
sold you the Bat big on nvhbh the error or pmdem appeared. You
can cal or Customer Relations mmba . but done w will not
preserve your 6". In your letter, give us the folowirg
knfrmeuon: your name and account number, the dollar amount
of the suspected error, a description of the error and an
exploration, If possible, of why you bellnn dire is an error, or l
you reed more Information. a description of the item you am
unsure about You do not hous to pay any amount in prwtion
whin we are Wrindgalrg it, but you we sell obligated to pay the
pas ot your bat cat are not in question. Whw ere Man: igab
your queshm, vra rand report you ea delinquent or take any
action to Winds ft wasrd you question.
f, t Special Rude for Cm& Cad Purchase,
H you ova a problem with the quality of property or arvlraa But
you purchased with at credit card and you cave tried in good loth
to awed to proble. wlh the merchant. I- may law ft w
rat to pay the remdnkg amaad due on to property or wrAces.
You have We ptotec I only when the padres price was moue
don $50.00 and the pasThaw was made In your hone atom or
wftbn 100 alga of your malkg addwa. (H we owe or oparee
the mrmanL or l we retied you the alvartlwment for the
property or ser d w. d ptrcha a s an covered regardless of
smord or location of purchase.) Plan remember to sign all
.-respondence.
t Does not apply in consumer nontmdl card accrete
t Does not apply to Unkmaa nomormif own accounts
Capitol Oa supports inlomation proxy protection: we our
websNa at Cgltal One vrmarcmlmkraa?
is a federally mghtrad saMC mark of Capitol Ora
Financial Corporation. AN rights reserved. O 2006 Capital One
01SCSM-6-12121MS
hpedasl Ndks Pymra you -9 b as M be cedld b your-1 to des be -dy-rseim 1, provided (1) you sand the
hdbm parlbn diktarneatand you cladhtlseedrd nrrillanha anMope ad (2)YahaPaPead oaoueedhou Weal aii wmr
by3pm ET(12roan PT)Pbmsiwet%WIM(S)buslnedryskwpeaddWy.Paynas retiesbywalayotherbatonrh
ay othnaform my not be card as tithe day we rwM town. Or Manse drys noonday fsourgh Soudy, rdudbg Mldeyt.
Pose do M w soples. paW cfps, ex. arm prspadq you na ad, clan you sad w a dri(B), you aaobs e b rusks a sahrw
meteoric theater debt ham you bsm acme forfe word dins clads This aulrbsen apples b of dais n coed duke the bliq
cycle ran C errs by scraree ant, l as cant prows the transfer, you sulan w b mab a dupe rpkat your bee account wing the
dad. • pater daft r othw lam.
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FINANCE
Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date
$2,012.60 - $0.00 + $50.61 + $35.00 = $2,098.21 $498.21 Jan. 03, 2007
Nov. 04, 2006 - Dec. 04, 2006 Page 1 of 1
PLEASE IN AT LEAST THS AMOUNT
Visa Platinum Account 'Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an increase
in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected no[ to raise your
4358.64134830.1460 APRs at this time. Please be advised that if you fail to keep your account in good standing, Capital One reserves
Your Account Information the right to raise your APRs in the future.
TOTAL CREDIT LINE $1,600.00
TOTAL AVAILABLE CREDIT $0.00
CREDIT LINE FOR CASH $1,600.00
AVAILABLE CREDIT FOR CASH $0.00
Finance Charges (Please see reverse for important information)
Balance rate Periodic ceding FINANCE
applied to rate AP CHARGE
Purchases $2,038.09 0.08011%P 2924% $50.61
Cash $0.00 0.06011%P 29.24% $0.00
ANNUAL PERCENTAGE RATE applied this period: 2924%
® At Your service 1.500903.3637
To cd CusWmar ReWkm or b reporta lost w sbDIm card:
0 Send payments to:
Capital One Bank - P.O. Box 70884 • Charlotte, NC 26272-0884
e Send inquiries to:
Capital One - P.O. Box 30285 - Sak Lake Cry, UT 84130-0285
Payments, Credits & Adlustments
Transactions
1 04 DEC 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 3 061204 PAGE 1 of 1 OlEC6056
PLEASE RETURN PORTION BELOW WITH PAYMENT
I what's in your wallet?'
0 4388641398301460 03 2098210138000498213
New Balance Minimum Payment Due Date
$2,098.21 $498.21 Jan. 03, 2007
PLEASE PAY AT LEAST
THIS AMOUNT
Amount Enclosed
Capital One Bank
P.O. Box 70664 191'1111$111111'111111
Charlotte, NC 26272-0664
1111911111911I'll
' 1' I " I' I l 111' I' 11111' I' 111' I (1' I " 11' I l 91' I I
Account Number: 4388-6413-9830-1460
Please print address or phone number changes below using blue or black ink.
Address
Home Phone Alternate Phone
E-mail address @
•90339315&76805780 MAIL ID NUMBER
THEODORE F SURD
1196 SHOREHAM RD
CAMP HILL, PA 17011-6135
r1111L11111111r'rIIr1'11/119111'IL111nLit11Ld1J'LJI
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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For questions, cal tog free at 1-877-778-1207.
Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll
charges may apply, even during trial periods. You are responsible for determining whether a call to one of our
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C 2006 PeoplePC Inc. All Flights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC
in the U.S. and other countries.
C 2006 Capital One San kas, Ina Capital One is a federally registered service mark. AN rights reserved.
1. How to Avoid a Finance Charge.
t e. Grace Period. You will have a minimum laws period of 25
days whi and arhsnce charge an new purchases, new
balance trensfors, new opKW purclsess and now other
dhapes ff you pay your acted 'Near Babce', m
accordance w4h the Important Netca for payments below,
and Intinefrblob.v M byyourmoddsoomrd
closing des. Thee Is no grace period on ash advances
and special tray d6m. In addkbm eery is no grace period
m eny ban-cil.n if you do not pay is bW'N-
1Wra.'
b. Accruing Finance Chaps. "Transactions whidh ere not
aubled In a grace period sat wwwaed Inane dings 1)
kends des crew transaction w2) From the doh as
L-solion is processed to your Account or 3) I rn the lest
calendar dry of the cu an bump period. Addtloml§%IF you
did not pay M "New Bane ham ant previous blhg
period in full. Iheance charges aam.- to socrw to your
unpaid balenc. unlit the unpaid balance le paid in tog. This
mesos acct you may err ow Mar- charges, even IF you
pay am endre Have Balance kdicow an cis art of your
.sworhant by the nod s Weed closing dot.. but tlk not do
n W cis previous; month Unpaid finance dsry.a am added
to the oppNaw segirrens of your Account.
t c. Ranters, Fironee Clap.. For each ring period tut your
account Is a to d h • inwnce Wryer, a a**.- total
FINANCE CHARGE of SO.50 wt be hrpoawd.
t d. Temporary Raductien in Finance Charge, van reservw the
right to not assaw try orate hence charges far any given
Mang period.
2. Average Daly Babas (Inclusions Near Purdusum).
Firurws barge Is calodated by muhiplyhp the daily balance
or each segment ofyour accost (e.g., cash sdv ace,
purchase, spedal bwsfe, and special puWw) by the
corresponding daily pricdie role(s) OW has been
previously disclosed to you At an and of each day during
the bang period, we apply the dolly periodic rah for each
segment of your arant to M day balance of each
wgrmed. Then at the rd of to blWg period. we add up the
resuNs I show day calculwairs to arrive at your periodic
hence charge for each sagm ot. Vys add Lip the mass *om
each Where to arrive a the will periods haw charge far
your anmuA To goo ie day belarhoa fe-ch segmam of
your account we oleo to beginning baWhos for each
segment and add any row MswYons end any psrbdc
am" drags cakdatad an the previous days balance Icr
tal salawra. Vva than subset my payments or credits
pouted as died dry Vert are afome.d lo tlM aepne t. This
pima us on smandadsy balance for each agromt of your
acoouf. However, If you paid is New Balance shown an
your pevids wtemant h rl (r ty-new balance was
zero r s rwdit nosed), raw h+neacLmn, which post to
you prase or special pualwss wlaneds rs not added
to the day balances. Van cabdals the average dairy
bearer by adding al the defy boons topeter and
dividing the sum by fa number of M days H the current
blip oyd.. To cakvaee your total finance change, muftply
ass morose, or rays n m onng pace. t to rousnp an ¦
doly morose, bask or due to minimum trance carpe wsewnhenL
share may be s variance baboon this calculation and am
amountd finance dugs adtadiy
asws.d.
3. Annual Prcrehge Rohs (APft
a. The term'Awsw Percentage Ras' may appear
w'APR' an IN Mow dolts shtennent
b. t tlro code P low." Prime), L (Ouertry LIBMI, C
(Quarterly CDy, or 3 (Bantrard Pores) appears an the nom
of this statement nee to the periodic mh(s), the periodic
rates end corresponding ANNUAL PERCENTAGE RATES
may vary quarterly and mayk-ord- based an
cis slalad idi- as lond'm The wag street Jouand, phs
a. margin pavi se ly rhrlosad loyou. Those ciarpae wB
be atsctim an to IMq day cryou lying period covered by
your perbrc stamen ending In the mantled January,
April, July and October,
a of the cods D (Monthly Prim), F (MmINI, L!", or G
(Troset" LIBOR) appears on cis Nord of your statement
man to the periodic sae(.), ms periodic roes and
comwpa dlegANNUAL PERCENTAGE RATES may vary
msnthy and may Moeow or decrease based an the stated
bdlose, as found In The Won Street Journal, pas to
margin previously disclosed to you. Thew c honges wall be
.Recd- on tlm frat day d yon billing period each month.
?. Asssasmnt .i Lola. DwhnN and Retuned payment
Faso. Under the lama of your rratnm.r agreement
vw
reserve, the right to went or not to arias any few wtrhoud
prior nnotilladon to you without vah" our rigili to a sasss am
same r simaarrew st a khrboa.
t 5. Renewing weer Account. to membership fee appears
an the nom of your statement, you have 30 days from is
doh this aahmrd was maded to you to avoid paying the
fee or to have such M orsddad b you if you canal your
accent w0ow having bo pay the membership fe.. To
crhml yourarmre, you must notify an by an" our
Customer Rektrr DepaMOnt art pay ymr "New
Balme In full (ovAdNg the membenNp fee) prior to
fire and of cis Wnydey period.
6. If You Clow Your Account. You urn request to dove you
aunt by calling ou Cwlrnr Relordons Department. You
must do" your radka *) and scot rd access dhscls,
racy N prwWhrized bRng and awn wing your account
After your request $a close, If you animus to tarrsact r do
not cancel Wwutarlaed blip snangernarda. use bap
ccrriderrecelpt of a Burge year suhdtratn to keep you
accord open. Addidansy you account veal not be owed
uner you pay as amounts you woo us Imdudkg: any
mawaaiiam you hem Wtrtsed. *once charges, bad due
leas, weramft Ines, meshed payment fees, rash advars
few end any other Aws asaened In your account. You ins
responsible for these ansrnts W.0-toy appear an your
$0 00014 at gat time you request to does to acownn r they
are Muffed subsequent to you mom In does the account.
Thin may result In Wrgea appearing an yoraccoum after you
have requested the account to be dosed.
7. Using Year Account. Your card or account cannot be used in
connection with any Internet gartOig transactions.
B. Notice About Electronic Check Conversion.
Whn you provide a duck an payment, you stabodrs us
eider lo use information from your deck to broke a ons-lime
electronic Fund soraderfrom your bank ac ours or to process
the psymem ere a deck tro sadbn. whop vs use
Information eom your duck to make an aWcbmlc hand
transfer, ends may be wmdrovn from your bank account as
each w this some dry we receive your psyrnrt, and you wB
not recent your check back from your Ilnandal kudren.
BILLING RIGHTS SUMMARY
(In Case of Ears or Queefors about You all)
ff you think you hR is brag, or If you need more Information an
¦ transaction or bill, write to an an a "pasts shed as urn as
panel" at to address for inquiries Shan an tin ant of tots
statement. We must her from you no Lahr than 60 days offer we
send you the drat bill an Which ie error or problem appeared. You
an aI our Cuwmer Random serer, hurl drag so will not
prewm your rights. In your letter give us the banning
Information: yaw name and account number, the dollar amount
of the suspected arrar, a d scrlptbn of the error and an
rplenaton, a potable, of bay you below tae is n srr: or ff
you now more i fam ovicn, a description of the Ian you are
uesurw about. You do not have to pay my amount in question
while we am Investigating ft, but you are We obligated to pay the
pans of your bill that ans not In question. When was Irweatlgate
your W _V_. we amt repot you as deanque t or take any
action to aoaact the amerced you question.
I. t Spedd Rate for Croft Card Fpdwe
N you have a problem Wei the quality of properly or services that
you processed with a credit card led you have sled in good both
to corned the problem wish the merchant , you may have the right
not to pay to remaining amount due an the property or "'Am.
You have Oft protection only Wrltho purchases prim was more
tun $60.00 and to phrchow was made In your home slate r
wl"n 100 miles of your maihp address. of an own or operate
Ove merchant. r If oo maned you th adwrtlwrment for the
property or srvkw, all purchases; as covered regardless of
amount or location of purchase.) Planes remember to sign all
orrwprderw.
t Dow not apply to cronsumerhon•croda card accounts
S Doe not apply to business noncwdft card accowds
Capital One supports infrmatin privacy protection: sou our
wnbafts at tdn Td .
Capitol Ora is a federaly registered service mark of Capital One
Rns ncial Corporation. All rights reserved. 0 2006 Capitol One
01 SC6056-6.1WIMS
kwarlyd Nadu: Pannone you sit b r M be traded b Varwwd as aide buffer dayn mtds K. prmided (1) you sand ft
baton patch Of ti etshha t rd you dmd In tle wdsad hsmber.nabpa sad M youpoprsa b mcakat h aapooss" a dr
by 3 pm ET (12 wen M Pier alw al bnM(t) kntsas day. frpatrldalmy. Paynrerr narked by a aley oho beadan r h
ary derpam any not be cradled ralte dayne rank. lore. OUkaWee days ere Monday enough salueny. rssdl g holdels.
Pbwdonot-imples,paperrip,doaline PRry-yoapsya- WhMyoupaddeadadrpapMtysuaulbabwWWbDM
bb math ion)rrrcimmk bwnh aareice lkracrdaMrd tr-lrbem you acrut orb pawste papmta a and n made.
wrense-l Ic baOwnyardedbmalen.IraerdchWbrdr.Mdemeybatw0dr Isaryourarcedararanrdmtime
day as rake your payment and you as not seas your chock bar ton yorhrada Weiser.
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.
7q, ?
Attorn f inti
WWR No. 6523882
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 Lit.-day of , 2009 upon the
following:
Barbara Sumple-Sullivan, Esq.
549 Bridge Street
New Cumberland, Pa 17070
By: /
Benj R. ibler,Es
PAID9 8
Weltman,Weinberg & Reis CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
WWR No. 6523882
N
wD N <
J-
I C Q-
FJ
qa- N
`8i
t
C C
rv
CAPITAL ONE BANK (USA), NA,: IN THE COURT OF COMMON PLEAS OF
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
VS. CIVIL ACTION - LAW
NO. 08-3086 CIVIL
TED F. BURD a/k/a THEODORE
F. BURD,
Defendant
ORDER
AND NOW, this /f 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 $2,925.66 with interest at the rate of 29.200% per
annum from April 11, 2008, plus costs.
BY THE COURT,
Xen"jamin R. Bibler, Esquire
For the Plaintiff
bara Sample-Sullivan, Esquire J
For the Defendant
:rlm
Y r?
ON
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
vs.
THEODORE F BURD
AKA TED F BURD
Defendants.
Case No.: 08-3086 CIVIL TERM
TYPE OF PLEADING
PRAECIPE FOR JUDGMENT
PER ORDER OF COURT
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. 6523882
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
vs.
THEODORE F BURD
AKA TED F BURD
Defendant.
TO THE PROTHONOTARY:
Case No.: 08-3086 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 Defendants, Theodore F Burd, in the amount of $3,139.19 computed as follows:
Amount Awarded per Order: $2925.66
Interest from 4/11/08 to 6/29/09
at the legal rate of 6% per annum: $ 213.53
TOTAL: $3,139.19
Attached is a copy of the Court Order in favor of Plaintiff for Judgment.
WELTMAN, WEINBERG & REIS, CO., L.P.A.
r
By:
Benjamin B' er, Esquire
PA I.D. #9 98
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
Plaintiffs address is: Weltman, Weinberg & Reis, 1400 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219
And Defendant's address is: 1198 SHOREHAM RD CAMP HILL,PA 17011
W WR No. 6523882
CAPITAL ONE BANK (USA), NA,: IN THE COURT OF COMMON PLEAS OF
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
vs. CIVIL ACTION - LAW
NO. 08-3086 CIVIL
TED F. BURD a/k/a THEODORE
F. BURD,
Defendant
ORDER
AND NOW, this /1' 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 $2,925.66 with interest at the rate of 29.200% per
annum from April 11, 2008, plus costs.
BY THE COURT,
Kevin. Hess, J.
Benjamin R. Bibler, Esquire
For the Plaintiff
Barbara Sumple-Sullivan, Esquire
For the Defendant
rlm
41+.00 P O A-rw
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
vs.
TED F BURD AKA THEODORE
F. BURR
Defendant.
Case No.: 08-3086-CIVIL TERM
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendants
( ) Garnishee
You are hereby notified that the 7filio7ing Order or Judgment was
entered against you on 5
(xx) Assumpsit Judgment in the amount
of $2,925.66, 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
Ted F Burd Aka Prothonotary
Theodore F. Burd
1198 Shoreham Road
Camp Hill, Pa 17011
By: 4 PRO AIOT D UTY)
W WR No. 6523882
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
vs.
TED F BURD AKA THEODORE
F. BURD
Defendant.
Case No.: 08-3086-CIVIL TERM
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendants
( ) Garnishee
You are hereby notified that th fol wing Order or Judgment was
entered against you on 5 O
(xx) Assumpsit Judgment in the amount
of $2,925.66, 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:
PR ONOTA EP TY)
WWR No. 6523882