Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
08-3087
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA nn Plaintiff No: D$- 3087 Oiuil 1era, vs. COMPLAINT IN CIVIL ACTION TED F BURD AKA THEODORE F BURD AKA THEODORE 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 06507742 C N Pit SMI 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff VS. Civil Action No TED F BURD AKA THEODORE F BURD AKA THEODORE 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: TED F BURD 1198 SHOREHAM RD CAMP HILL, PA 17011 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXXXXXX4094 4. Defendant made use of said credit card and has a current balance due of $2090.86 , 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 , TED F BURD , INDIVIDUALLY , in the amount of $2090.86 with continuing interest thereon at the rate of 29.2001 per annum from April 11, 2008 plus costs. James C. Ymbrodt,42524 WELTMA?44-7 E NBERG & REIS CO., L.P.A. 436 Seth venue, Suite 1400 Pittsbh, A 15219 (412) 55 FAX: 4 3 8-7130 065077 N Pit SMI This law firm is a debt collector attemp in to collect this debt for our client and any information obtained 1 be used for that purpose. N mom ?yg ? N a b ? m IL cr) .. E rn o m m fh m q 3 ? z FH ? ? I I aa Z 6 L $ a pp O M 4 : all E As E + . i 6 5 LULU 0) 2 P Q L z o r LLV m a . ?o I` N W > d tz q LO v q n m N N O N U CL 0 o°og°o 8 °w 8 °fn w w w=p Q W WUUH LL, L mLLz r 00?> HFU< °a m'E m E S? E m c a1 m m£? z? 'e ?V n m? c? N Y? N N 'O as $' S o o W? F N m w F m m z m W V t LU V 6 z Df?lt I a t so e? -ca 8 i rR ? 'rpi c`$ a) ® m kA 3 kA M P O O O O v o 0 u r m kA N o M I P n r M r ~ b W N a P N Z W N 7 z .t -+ O LA v N Q o a M ~ °C 10 00 y c ?t O i 0 N r 3 o N ?RR N V 0 c a `m - a ne a z _ F H c I _ O O o r a J lCt? y g A ir IL Q 4_d _ W c d VIK J ? pCJ O J p IM1 N ib HS rni? rn oa- - _ N< m V 4 vW rt- ?iV 4 s $ ? ? O N N _ Z E p? a N ° ? " = ru e E ' "- N C C O c 47 N c C N - 01OV - 40 C cr° •- y C a 1l1 W r. o s A C w o cO n co O L n o : - YI ({? V a V M z VERIFICATION CAPITAL ONE BANK (USA), N.A., successor-in-interest to Capital One Bank vs BURR, TED 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. -7? TRACY TAViWit' Notary u i JAMELA SINGLETARY NOTARY PUBLIC GEORGIA, DEKALB COUNTY MY COMMISSION EXPIRES NOV 4, 2011 4862362542154094 A049 WELTMAN, WEINBERG & REIS CO., L.P.A. ? J ? Oa -D 060 00 D c? C. C? -TI eri SHERIFF'S RETURN - REGULAR CASE NO: 2008-03087 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK USA NA VS BURD TED F AKA THEODORE 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 TED F AKA THEODORE 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 el, J-/ 0 So Answers: 18.00 15.00 .00 10.00 R. Thomas Kline p .00 43.00 05/19/2008 WELTMAN WEINBERG REIS Sworn and Subscibed to before me this of By : day Deput Sheri-ff A. D. PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in dupl3-cate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court- CAPTION OF CASE (entire caption must be stated in full-) 4), fn ? (?\v k, n L (V SA-* P+ (Plaintiff) VS. Ted 'F , 6A ?? Axe lfheodcce- ? 6A (Defendant) No. nS - civil 302f argued ( e. , plaintiff i s motion for new trial, defendant s 1. State matter to be i- demurrer to cammplaint, etc.) :I "0+,cn Tv j 2. Identify commnsel who will argue a(l?l?'? _ jItiJ(-2V? tS?( (a) for Plaintiff : Weitml, Weinberg & Reis Co. Address: 1400 Koppers Bldg. 436 7th Ave. (b) for defendant- Pittsburgh, PA 15219 Address: (412) 434-7955 1 r` d ('lb?tU PA 3. I will not " rte <<'? it In thin two days that this case has in wr been listed for argrn m mt . 4. Argument Court Date: ev for C ? '? 1. `T3 # R ? ,? ? ?w . _ ? *'}'? -mss j. ' _ ?? `iF -? ..,?^, 1..?.1 ? f-j y • ??' 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA, Plaintiff, VS. Case No.: 08-3087-CIVIL TERM MOTION FOR SUMMARY JUDGMENT TED F. BURD AKA THEODORE F. BURR, Defendant. FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler,Esquire PA ID# 93598 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR No. 6507742 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA, Plaintiff, Case No.: 08-3087-CIVIL TERM VS. MOTION FOR SUMMARY JUDGMENT TED F. BURD AKA THEODORE F. BURD, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $2090.86 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 12, 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 March 31, 2006; that he applied for the credit card; that the statements attached to Plaintiffs Discovery WWR No. 6507742 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 $2090.86 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 $2090.86 with interest at the legal interest rate of 29.200% per annum from April 11, 2008, and costs. Respectfully Submitted: By: Benj in R r,E quire PA IN 9 9 Weltm einberg & Reis CO L.P.A. 1400 oppers Building 436 Seventh Avenue Pittsburgh, PA 15219 V VRNo.6507742 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 AKA THEODORE 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 06507742 C N Pit SMI IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. Civil Action No TED F BURD AKA THEODORE F BURD AKA THEODORE 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: TED F BURD 1198 SHOREHAM RD CAMP HILL, PA 17011 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXXXXXX4094 . 4. Defendant made use of said credit card and has a current balance due of $2090.86 , 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 , TED F BURD , INDIVIDUALLY , in the amount of $2090.86 with continuing interest thereon at the rate of 29.2000 per annum from April 11, 2008 plus costs. James C. rodt,42524 WELTMAN, E NBERG & REIS CO., L.P.A. 436 Seve th venue, Suite 1400 Pittsbu gh, A 15219 (412) 4 4-7 55 FAX: 4 2-3 8-7130 065077 2 N Pit SMI This law firm is a debt collector attemp in to collect this debt for our client and any information obtained 1 be used for that purpose. g N Q .^ m N U c 8'''$$$ 3 E W *a c ?31 w CO w O m ;t s z w ?m r CO7 s c .±. c°!C LULU 00 0i n 2? N o a a ? o ?6 O E A CE N O ? d 8 s w v° S F3? 3 m 33E? D? .8 O 4E ? i? s O ?$c7 go so s»8» in w (Q2 C ? U .4 w=? W IL p?p € WU?F Y? ? FeJeppLLW 0-J WU L LIZ Z W 0, o ~ W Q s? >°- °OCIt N N Z N W -8 -11? Y.U N G a°3 KK ? NNN 'O N N L CL D. • 0 0 e$ °g L W 4 g U X .1 I UN 2 °CL i F? C w 5 M S? W b N O m 0 9 0 m W ?r O a p d 4 m ? r b N n b b IA ? ? a M Ol o O B ? - o ? L m o a S z o s r Z p ~ In a N M p . Ln +? - O O M A OCA O C _ N o p r = d a n rj? K - Y r NOC N J D . ru "M 7 $ OM T t ? N Z e `? rW .at V G N C E I $ O 9 N s $ M N •o 00 co wt p w N 0 c d - ? - E z ? d (fj a? T i e a E E O „? 2 o r= C s N ? N _ w n - O 7 s m.0Z oz v 9 W ?o C, M C o I Ip •D1 D? Z fA Q VO.V? s d c m e 0 n V 3 E c m Y C w m C 0 o. V m T E d v 0 d E `o LV U 5 D 7 c =m T C d VERIFICATION CAPITAL ONE BANK (USA), N.A., successor-in-interest to Capital One Bank vs BURD, TED 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. r? 1 TRACY T O Notary u i MY(QAhff!=;Gif :t rtrtst ?c r:(?',?4 ='U?t 4862362542154094 A049 WELTMAN, WEINBERG & REIS CO., L.P.A. Barbara Sumple-Sullivan, Esquire Supreme Court #32317 549 Bridge Street New Cumberland, PA 17070 (717) 7744445 CAPITAL ONE BANK (USA), NA : IN THE COURT OF COMMON PLEAS Plaintiffs : CUMBERLAND COUNTY, PENNSYLVANIA V. TED F BURD AKA THEODORE F BURD AKA THEODORE F BURD, Defendant CIVIL ACTION -LAW NO. 08 - 3087 ANSWER 1. Admitted. 2. Admitted. 3. Admitted. 4. Admitted in part. Denied in part. It is admitted that Defendant used the credit card. Defendant is unaware of how much 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. ENO ? S C) --1 -11 q_?, 6. Admitted in part. Denied in part. Defendant admits money is due. Defendant denies any other fees or costs are due and disputes the legal interest rate charged. 7. Denied. It is denied Defendant willfully failed to pay. Defendant contacted the helpline of Capital One. A request to freeze the account for three months was made. It is asserted that efforts to work with Plaintiff have proven unsuccessful. Dated: June , 2008 Barbara Sumple-Sullivan, Esquire 549 Bridge Street New Cumberland, PA 17070 (717) 774-1445 Supreme Court I.D. 32317 Attorney for Defendant Barbara Sumple-Sullivan, Esquire Supreme Court #32317 549 Bridge Street New Cumberland, PA 17070 (717) 774-1445 CAPITAL ONE BANK (USA), NA : IN THE COURT OF COMMON PLEAS Plaintiffs : CUMBERLAND COUNTY, PENNSYLVANIA V. TED F BURD AKA THEODORE F BURD AKA THEODORE F BURD, Defendant CIVIL ACTION -LAW NO. 08 - 3087 VERIFICATION I, Ted F. Burd, a/k/a Theodore F. Burd, a/k/a Theodore 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 unswom falsification to authorities. Dated: 35 2008 TED F. BURD a/k/a THEODORE F. BURD a/k/a THEODORE 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 TED F BURD NO. 08 - 3087 AKA THEODORE F BURD : AKA THEODORE 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 2008 549 Bridge Street New Cumberland, PA 17070-1931 (717) 774-1445 Supreme Court I.D. No. 32317 Attorney for Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CAPITAL ONE BANK (USA), NA, Plaintiff, V. NO.: 08-3087-CIVIL TERM TED F. BURD AKA THEODORE F. BURD, Defendant. PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 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 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 rso_n 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 "ident' ", 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 erson s participating in such an act; (3) ident' all other person(s) (if any) present when such act occurred; (4) state wheth er an y minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identi the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter, number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in Plaintiffs Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REOUEST FOR ADMISSION NO. 2: The attached monthly statements, from November 28, 2005 through December 27, 2006, correctly identify the payments, charges, and balances on the account. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: Defendant has made no payment on the credit card since March 31, 2006. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply specific written documentation supporting the denial. REOUEST 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. REOUEST FOR ADMISSION NO. 5: $2,090.86 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. 1--7 - -1 (7 'A/ Benjam' ibler, squire Pa. I.D. 93598 Weltman, Weinberg & Reis, Co, LLC 1400 Koppers Building 436 7`b Avenue Pittsburgh, PA 15219 WWR:06507742 DEFENDANT'S VERIFICATION I, , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belief. Date Signature CERTIFICATE OF SERVICE A true and correct copy of Plaintiffs First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the 10t"day of Am_ust 2008, upon the following: \ Barbara Sumple-Sullivan, Esquire 549 Bridge Street New Cumberland, Pa 17070 peoplepu online u A better way to Internet. J Surf up to • 5x fasterawm a FREE Ac celamtor forlhe Mail 12am"-a $80 vakW 1-888-587-9669 Mention Offer Code: DOLLAR Visit www.peoplopc.con-Vgo/dollar UNLIMITED INTERNET ACCESS PeoplePC online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by SymanteeT. ® Pop-Up BlockerTM Spam Controls ® Smarter Smart Dialer Technology ®? More Email Addresses 4® Internet Call Waiting C`af ---.-lows Account Previous Balance $626.45 Payments Credits and Adjustments $17.00 Transactions $29.00 Fina¢ce Charges $14.12 New Balance $65257 Minimum Amount Due $37.00 Payment Due Date January27, 2006 PLATINUM VISA ACCOUNT 4862-3625-4215-4094 NOV 28 - DEC 27, 2005 Page 1 of 1 Payments, Credits and Adjustments 1 03 DEC ELECTRONIC PAYMENT $17.00- Your scheduled payment has not been received. Please remit the amount due appearing on this statement If you have already made your payment, plane accept our thanks. Transactions 2 27 DEC PAST DUE FEE Total Credit Liao $1,000 As a valued Capital One customer, you are eligible to receive a free Year-End Summary for this Total Available Credit $347.43 specific account that recap; your 2005 charges, provided your account is in good standing and Credit Line for Cash $1,000 you have made transactions during the calendar year. Please call 1-877-794-4487 before January 31, Available Credit for Cash $347.43 2006, to reserve your copy for this account Orders will be mailed out by the cad of February 2006. At your service You were aimed a past due fee of $29.00 on 12/27/2005 because your minimum payment was not received by the due date of 12/27/2005. To avoid this fee in the future, we recommend that you To dl C utomer Relatkm w to report a tat a std- =-& allow at least 7 business days for your payment to reach Capital One. 1-800-903-3637 Ssadptymmtstm Sad;nquido, to: Alta: Ranittanae P-.ing Cap W Onc Rsak Capiul Om P.O. East 790216 P.O. Boa 70285 St Loa6, MO 631794216 SLC, Ur 84170-0285 lmvortant Account Information It's Capital One Bowl week *w again! Tune in to ESPN and ESPN2 starting on December 20 for the ben in post-season college football action to we your favorite team fight for bowl championships. And on January 2 at I pm ( be am to tune in to ABC to watch the Capital One Bowl live from Orlando, Florida! $29.00 Finance Charges P/ew ser raoauruk fir imperraar iaf6rmar wnn Bd na7r r P A r ? ? vJ r f aF lil' PURCHASES $619.10 .07600%P 27.74% 814.12 CASH 8.00 .07600%P 27.74% 8.00 ANNUAL PERCENTAGE RATE applied this period 27.74% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362542154094 27 0652570017000037001 New Balance $652.57 P*-p,.w- Grsga1iff. -& e+ad.6Wesk! amerK.-RAA- Minimum Amount Due $37.00 sb,.t Apt r Payment Due Date Jamury 27, 2006 car sties ZIP Total enclosed $ yam. Pbwe Nt¢mu Phone AceouatNumber. 4862-3625 4215 4094 0 I3matAddmr i? #9036276529165107# MAIL ID NUMBER Capital One Bank TED F BURD r P.O. Box 790216 111u111nm1111n11I m l? 1198'SHOREHAM RD 1 St. Louis, MO 63179-0216 a CAMP HILL PA 17011-6135 m IIII1111IIIIIIII11111IIIIIII1111111111IIIIII11111111111111IIII o "? 1111II11IIIIIIIIIIIIIIIIII111111111IliIIIIIIIIIIIIIIIII1111111 PlvreTmiteyravarmaretnasadrraa,ymtrrhaFarnwxeymdermade1wynbkmCafila/OneB=,Eandmailiarlxerularrdmvelopu V peoplepc- online A better way to Intemet. UNLIMITED INTERNET ACCESS 1-888-587-9669 • • Mention Offer Code: DOLLAR Visit www.peoplepc.com/goldollar PsopW Is solely responsible for this offer, and is not affiliated With Capital One Caphal One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown hem. Any trademarks mentioned herein are solely owned by the respective entity. Ali rights reserved. By responding to this offer, you may be communicating intonation about yourself to the company that provides this product - for exanple, that you are a Capital One customer. 'PeoplePC Online: First 3 months are bled at $497 Pe month; 59SS Per month thereafter. Offer available to new disHp subscribers at keel 18 years of age and may not be endeared vdet any other offs. Offer abject to change at any time Phone technical support available for $1.95 per minute. tAcceleralor is %a for 12 month. Offer good for Wed time. After IN first 12 mantis, the Accelerated service will automatically revert to the standard PeoplePC Online, service. Offer stabled to change at mom With Peo*K ONis Acctksvted, chain Web page tea and graphic wN bad hater wham compared to standard diftp Internet service. Actual resds may very. PsoplePC Orkas Accelerated is only cospalble with PeoploPC Onkas Imemetaervice and specified WYdowsB browaem. PwoePC Online Accelerated is rat cdnpafible with Wrdows® 95 with HE 5.5 SP2. SeMce not aaiww in at areas. Access tees, faxes, and other fees and restrictions may ap*. Telephone tall charges may apply, even tiring trial periods. You am responsible for determining wtslhr a call to one of our access numbers will reseuit in telephone tog datgm Access may be limited, especially dAV Win of peak usage. Dial-up nurribam, may be changed at PeoploPC's dhaalbn. Continuities tareaA*d to tirraout proadues. Al use is subjat to PeopiePC Mneh Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2985 PeoplePC Inc Alf Rights Resenrod. PeoplePC Orin and Its logos are tradernaks of Ps0pI9PC In this U.S. and other countries. 0 2005 Capital One Services, Inc. Carpal One is a federally registered service mark AN rights maimed. Z? trirlaaa? a' rrrr? L a Sam MEW t? 8 of O t a. Oar Pail You cant he- as •mHmua Wave pedod of 26 dew vddwa Snares dwps on rrvr pudwes, teew aaq bagrradrq bsin betaroe vw kwk namr apadd pudrra and row odw truractlar to y charges you weft tin your tocal Impoitant Notice, ? for c ieno belo- and In tires for it m be credited by yam mart sarenwd stacredit& rmomin't nand a16t-t any u Ranee psdod m erlh advreee tlosYtp ate. Thaw i not and apetlal traeeim. In edditbn, seas Is ro ¢ea prfad oncry tnarbsdbh it you do not pay the Met 'New It. Aossub ll FirreN dwgc Twr sectleer wNdn am not of sent ae?trs ssQrwd. Than, aegmom for du nu +9re duly E n4Ject m a gro peril re eaeesesd IlrharhLL cwge 1) 2 - 3. A M a?ao.raal - a 2) /rennin tie dw the 6 den dap M else tmrr.d a. TM tam 'Arse trsrectim is proceeeed to your Aannt or 3) from the feet colander day M de timers hip Period Additionally, H yywou did rot peal tlr'New Balsas fmm the prwA- = APR' - it. 1 b. If the code P N Depoalg, a S 1 bins peeled i ill, * ehshsee resales to section, to thi slotarrcarrt Unpaid ice, wall! the Thin m that yym m y sal aiw fYwee changes, even it may v Qtsr4 Lv you pay the antis Naw 6dnm Ydcaud on tM ford of your estimations by the most statement c hV time, but did not a m for tM pnmimn sorrdL Unpaid llnharrs ccahgea ere eddad m dee aegmrd of Year as, a kiiera Rhahee For each thin - --• - - -- lowing-p.l°n. ? _ m erred Y .bunt, pea th These bN1Yp a h den momlr .,.? ;wore tent ieme t eel t rd the dffarenta will be your account H it him akaady been dosed Fw sourness, if you auhadxed a pudws fiom ¦ rhhennthanbe said we mdva Ucs ttacaaetlah fmm the mardwd alter year accent ham been closed, Voter account was be rsopard, den rrwnt s den change cap bs added m your ascent, ant yyoouu v?in?e a n:.p a for prymrr_ H awe i a trwrWenidp fee for your account, the fee will mndn e to, be dwarf, m den ndw patrdmed by low, ud the arc unt balsas Ices been PWe In e/ r dNYMd above. 7. You Aeeo nt.Your ard or accord treat be lo arrcedbn with arty alone[ gambieg 8. Noil- Mat Fla p Chess ooewaain. Wien you pum,-leiAda• check - r pe I you to nuke make a a oi s to authoitim use kdonnatlorh ban voter our you o ot, t w to sienonit sad trarrir from n yam bank account he use, this paymomit r a davit to ma etion, an, When we IlnseYemmtatlun from yap desk to fin NedmNe Mel trrrler, ants e eery be caday wan - vin from your ban* eraoocab[ ee sea, r the Gems day mcohm ioc yov paypay am you We not rapaiw yam dhect beak iroan BI111N0 RIGKM SUMMARY (in Car Of Firer Or Ouva0ae Abort Your Ban) If you Birk your bat i wrens, or H you need more Infsresdon m a vaer:tim or bill, velN to a m a aepeaai ehast r soona possess at tM addmae for YbpAAM alrwn on fee fiord of this stalanem. We must Iran fiara You ro its then BO dew i/ter car end Wu sr lira bi en wHdc fee anon a paaMs appsarod. Vw on era av C1laterhrer Reladanr nmlber, but ddnp ee w# not prrerw?YOV d?a, lo you itw, din's tee see loaovdtp. bk amwounn your rnr and accasrt den is d of that suspected anon. • drcdpdm alpfm of dce error and en explanation, H possible, of you baNew them I. en errs; or H Vote need mom a of fe Mn Vote am urmuse about. Youe do rot he- to pay any rgfoa you Y ran or talks a" aact)m to aMct In emm erreated you queatim. t,t Species Rule For Credit Cord Pu chasm If you have a peddan with to quality of pmparty or MMus put you vdth it cmdt need sot who Mw triad h laldc to eared see pseNan vsiN den mertlerd, e $60 you my y y farm to signs not to pay 1M remaining " 00 andand see pedwaeemoa M your hum sate a vAWn 100 tulles of your mallrq eddnsti Ilf we own or operate M mertlrm,paopiff " mated you the advertimarient far the seem covered ropedsr of amount brirjm of punters.) Please smvenber to sign at anseperdenee. t Dome ea ap,* to eoou norm-ereddt sad actouw t Does not apply to brsiaas vs ftllt cand "Mates One supports Inibimadan privacy prmectiue see our OnroN a via wan condfallormcont. federally registered ssr ke mark of Capita at ears assnham each day, ads any n oh and sudnaact ant or code N appeaw err she stint of Balance Raw Applied To,' we also id arras chargeIncluded in to balan This glow W the dally batteries at sac s sold up all the daily balrcas for sec hiMNgw u tlm nor of each sa(pnrd. ape IAPIO. Percentage feat may appear as d of this a monem. r), L 13- LIBORI, C (Certificate of r licard Pdrrcal appease m the toad of d m the pentode m1Nal, Its oedode rrba 'N1AL PERCf WAOf RTE sot may S y aersase a sasses based ace, as laud in The WAN Surf eaoyoj:s Wy disclosed to you. a be lie w mfr suet ay of you red by Your pnidic mterresd amanp ran, Aga, ad Oclalsar. eel, F (1?neo. feWO a O 13?rco. .==!he tdork rated, fee eedede= td Terpaay RidealYt M Fatahse Chives. Wo resew the the maigln preMady dadeeed to you Those dunpas dg)d,a nottdr ow w ea tirrca dwpse for eny given vii be eXmtiw on ft I s ay of your biting pedod each manith. 2. Avagerg cagy gelrwe 1Y"affiv NNW FueMeaal. 4. Arrrwd of Lam, Ovagmt was Reseed Puyawd Foos. a. Finance ntrar(pl i cslaaai/ by m?dpW 1M ally you local WN be aeeNwd no mom for two ei the fee balance of each s is, of wu somrad Ie y, as listed hem that oar during any liens peal IAdor ft adeso, psdur, special trrrfa, not w- puedhaes) terms of your c stamp agreement, wan reveres fe d¢n m by fee daty pacbdie raros(al that him been vielw a na to eeeeee cry fee wifhar rhotlflatian to pr-i..dy m vour. At the and of each day viASea rmlhireg ov did to senor err or similar tha bail orbd, wo apply the Pride rso for n e Isx vane. aaPhhahd or veer account m tM aalrce d each 6. Yw Aerut H a membership is how 30 den of at, at da da1hy ? sWolietlarr to runt a o your rD da?ham the am Mil settlements wp Niel to you to .(fafit -mm A - for each sisigetem, We acid Lip in each saQnwlt to arrim at the mod Pride H avoid vw can? M ythe fee ot to haw euch in coedited to you our accrd. subs this Print, veu may lines devise, for Your rxvcn. To gs tM do& balanc?a satins to use your aoautl heAticos IeeWhO to ley the for each ssprhrd of yov ticarsd, vas mss den membraldp lee. To eras your eared, you nun balance for each eeOnharct and add any rev trelracUur notify w by awns our Customer R•ledre Danharonent rd ony drreaa rhergo almd•md m the previous and pay your lbw Baiarm In full Isoxhrdrhp do aye lose that eeg We den "Knect mmrrrdp err) pbr,o 1M end of dm WnyMy pedod. mW E asgrw . TN. dws ens tho eeperoao daeY bdrbr & yHyraY++wreaClose, Y- A. ren ay aNrq aW Yprwar r e for each sapnrd M yov accaim However, If You paid den Depamnad. Yw mew destroy your cmM card W end Now Balance sl v m Yev pmhlom $mumwd In aI (a aoeran accom decb, arrd all prseudrdzad bMhV, H yotr new balance was zero or a aWt ammad), reed ;=t.= If you da nor ncel traleaedone Mich pee to your puacleees a species rrrgrrwde, car wNeocpaenWdwsrv e ~diwyS by ed6cp drat rW1yWe =of eaudo AdBematy your semen vial not M tlaad bdon mgedm and ,§,,M fe ran by the raarb6er of ustll yet car aN rwrw Yw ewe - iduMq: my the aye in the rdrlam hlwp cycle. To aiadaoe your most transactions You haw audwitzed, Nrionee changes, pest Nrrarla deer, mmp Yahr awlage daty balance by the due for, owMalo far, maned psymsm fees, win aey rep and tM numbw of days In the basins adverts far a ml any o0w for ass•mod to your Pm leeft an ins m is daily seals, fore meal ha e account. You t m roparN. ter - wriva is *wftr sadht variance between dda aloulatlm and 1M rrhemd of they appear en Vote assent at de tans Yw reghheef m taunts drro• acarey erawd dose that aeeard or they am Immd r8sgcsm to N H 1M cos Z o N spleen m fee bpm of oft staerws yon regcrs m doee dm aoaud. Thi mry mW i feu so 'eeireee Rate_A A Pissed To; von mrdtiply the derpee apgaarYhp m yew .ocean atrer ycu haw Mpatrd lledae: Payments yw mat m a wY be aMteO m your soaud r of fee buainsa ay vie mceiw 1L ProNdW (1) Yw cad the bosun palic n of this satemrd and yov deck lo tie nc?is it mndnaw onvalape and (2) your pswws i recalheed In err pocpq center by 3 p.m. Er 41 rem P? Piaee slow n leas for (6) buimas days In Postal entry Pawrw res 0 realved by u at eery ollmr loeadan or lib any Aber farm moy mR be aMN?E r of 1M ddryry vin moaevs deem. den buadrrw drys ore MrsdaY lulls bassiy, - ding IaNa a. Plisse ins ors papa when Wlcm yw send v • eMekW, you atlcadz? u to make a ort?dam eieuadc trwir dish flan you but Gtlflk? err morn see arrtrrue w .h Tlidam, use.?dsAadz Via) m J htooei?d? to billing cycle awns H now by someone ant. If we sears PPM dm trrrir, Yw 8U&*&@ using 1 1, Financial difficulties? 041 Ca~ow We can help! e 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.capitaione.com. The purpose of this letter is to collect a debt Any Information obtained will be used for that purpose. 041-0404 O 2004 Capital One Services, Inc. Capital One Is a federally registered service mark. All rights reserved. CaplitalCW Account Previous Balance 5652.57 Payments, Credits and Adjustments LW Transactions $29.00 Finance Charges $15.83 PLATINUM VISA ACCOUNT 4862-3625-4215-4094 DEC 28, 2005 - JAN 27, 2006 Page 1 of 1 Payments, Credits and Adjustments Transactions 27 JAN PAST DUE FEE New Balance $697,40 This account's Non-Introductory Rates as of 12/20105 are: purchase A.P.R. -19.74%V, cash Minimum Amount Due $57.00 advance A.P.R. - 22.74%V and special traosfa A.P.R. -16.40%V. If the A.P.R. is followed Payment Due Date Febraary 27, 2006 by 'V,' then your corresponding A P.R is a variable rate. Total Credit Line $1,000 You were assessed a past due fee of $29.00 on 01/27/2006 because your minirmum payment was not Total Available Credit $,00 received by the due date of 01/27/2006. To avid this fee in the future, we recommend that you Credit Line for Cash $1,000 allow at least 7 business days for your payment to reach Capital One. Available Credit for Cash $.00 At your service To cal[Curto Relatwsu or to q n • lest or stoke card: 1-800-903-3637 Sind prymmts to Swd iognide to: Attm Remitauhca Prooeming Capital One Bank Capital One P.O. Box 790216 P.O. Bar 30265 St Louis, MO 63179-0216 SLC, UT 84170-0285 $29.00 Finance Charges Plearera rewrxnd for isrfatast ssy6raran ?/trvyoty ? Bdar.* P-;.& Rohl' IW Ja ..a ro PURCHASES "0-20 OMI%P 28.1414 $15.93 CASH too .07737%P 2&M $.00 ANNUAL PERCENTAGE RATE applied this period 28.24% PLEASE RETURN PORTION BELOW WITH PAYMENT V o$* 0000000 0 4862362542154094 27 0697400017000057003 New Balance $697.40 P&axpr at a a;layaJlna aw1:e ura ta4agrrlrHosraerH rerHsk Minix un Amount Due 557.00 8mea Apt 4 Payment Due Date February 27, 2006 Gry Sus ZIP Total enclosed i Home Phone Ahamoe Ptme Account Number. 4862-3625-4215-4094 EmedAdd- #9002876529165104# MAIL ID NUMBER Capital One Bank TED F BURD P.O. Box 790216 Irluliluultlrlrtltl q 1198 SHOREHAM RD St. Louis, MO 63179-0216 CAMP HILL PA 17011-6135 n lallw,lit,t,lilusllslullnurlrluellallumlirlluiulrl irnlilntlllumtllt,rllslirunllullnlrltlrinlnlrlnlrl Pteare w;teyosv au-t .amber on yoio OW or sorry order xradep4yAbkto QVital Om It-k sad mad m the en ckied en vrAo pe a? a? O O P i 1. Neer To Avald A First 19.rda pwbdc m1a, To o! ta. Oraea pled. You VA have • mFJmun yaw psdod of 26 days wttpt !k rem dw7 M now pudwea, row EFIfnO coven b?halana e raw balms trerrTam, rpeolal pu bases em cow odw 1 n aid drrPa H You pry yar tort 'NSw Banos', H w cmdb. (H the a acmhderros w{tlt tlr Yrpawd Naiw for peNwna below, atatwnad and to ' ad lo tine Tor h m be wedrd by ytar need amnenhert wdnmct any wpb dodhq lots. Thre b ro yaw penal m ern advrvr w sorely aapnad.l and spmW bawls. In add on, them, lsro yaw palod agrwd• TMnr ova m rY Varracdon H you b not pay 7M natal 'New sepnad Tar the N1 °r oi by h 1 ab ^? b. Aerhkp Fkhwa Clyda. Trata•cdar vdidt aro not a w p s h FZ d ZS d il 3. /1mW Maaiega Rr a dew of alwlm fran tl.iha d tlr [rah.aNah b prooesrd = - a - ft- the - •APW m t. from 5 lCF t 5hr -cabby day of fly paid Adddmry, H ou dal roe a tr 'tMv B M b. If the coda P (Pdrm D r y p y a Pro am biirtt P-bd ~ t dha0r wntlma m m aaww ape ), or S IBW 7Na aranrd hhna wind baiarrc y a ll f unpaid pdd kl a tepid b Mr all wlm?ell band I o 11 that T N a y 90 ? d n H U Ir 0 you pay the or" Maw Balance Yldctted an I Tlallt of w11M awtad kd 1 yea' amtarr[ V/ fns rokd aammrtt dodrV dear b!R 6d ..tDII/Ial pNr tls r rla[ b r fr 1M prevlesa mahtlh. Urpate hrlarl-e dWpr M added m /M r n t } ' A n Tier 0M bNN Yea p r o asta . te.hibinI?.w. d. cw..d,Irrgp.dadthe rp amnrre t t i yov rmurt M atllart m • lblahos elrrps, a rrinbmr d c. It the he cod. D D ( Phbm t d. 2. A a. do yar aml tlt bror N nr wN M Wn tit am alt iM .vamps e IV Mbdj. IN 1M ytli. atatanam ab t he if you n1lnAZed purit ban • nrrdran[ w n. e e • 3 new r dd y. add arv cch move ma n.r.m b n mint f macro.rtw yam nem N d r A ? q b d Raft nmO°m d , GrAtled in tl-ia bilexs m ip f f Wlgr (? Yl iw 91he+ w the dry balarnoe al agar ee or yov iaamc •s V oor e m be dwmd. m dr srrnt pamdtoed by Wv, uvY the I tp r do drv Wlaroaa 1. each alod rd d b tls mW amen Mleuee has been Pdd In *A as dNYrd above. 7 {I k Y A r p y t p plvea w the . a hy aw .maL as cord w aowun carrot ba ued wen art b t~ rriMr -g.. f .ch y p p IAPRI. S. N.be Abort B oft der Cheek Oawa die . When you nn• pe Ratemay appear as provide o drek r payrr : you.W u altih.r to Ne ata tament : IM klforlrhaUal fmn yar dledk m Irhak- a -rlednM 13ytto. UBaO. C (CerdScau of elseuwie f.d Vwfa fmn yar bank .omut a to a Plb .) appeam on tae fmm of M d d t M bd wmer the p. o `1 1 ` M 0 pe o e m eW, 1 pw c ANM1Al PI]I.14 .E RATER k sae l om al m turd t a raw, tub e.y b wMl dawsh ton yow bark ma ?borow based aecaat a r the oral. by wa roo" yprr mnaiYa yqY dgdt MCk fool r rah pmtiat?y =10 l krdktlen. a?CdN at of yaw , f yar psdodc stela con err dap BIWNO RIONrs SUMk1ARY npr1, uy anal octane. (tyrto UBOPo w O (3 On c an Of Errom a O rtwr Abet row BIq It 1f ld - b . +r.. appaan m tM h ot oft Y- you h k yow vweshp, w N you need more IMam.Ym on a Vrraetkn w 611, wile m a m a p o io UAl P61CENfAOE AA76B as '°n aMn u soon n porW n dr .ddrau fw k it l t i T t y netsM w chewer bred m iM In The WAN I iu gt r a one m he ron o b atatr.rd. Wa rout haw flan you ro Irw the SOpde? ahw we ash you the #mt tw r rtera-h n ral- a aro-. we heart tle 1M mstpn prs.esry deco.ed m ywTfrr dulpe ell a- v ar Customer Rdatlarhemrr?bw,pine bwa?• Ym am VA rat R rise any or all fkrhre d. for any given ad sibNw m the fm by rt o1 yow trq period eavrYch b madl phu Yow r)plne. h you latest, =W greridorirp a . y Nblr•a ( Nwv Pwallars). y. 4. Asaswt of lace Ovrihhb aM ReWnW Pteya.m Fey. in in tbrc Yew err cal aaaan meror, the OoNar amat•t of the atrspectsd moor, a de.edpdon of the army cps b oalold.tad odd pl)np the dtiy Yow aecom vdN b nerd no more then two of the fr o and err apbrdm, ii peeaPob, 01 wh?iryty you being tl.ro b aveh.aprhrt of yar --cant U•4, wslh pudrr, apsdal trrrfw, anal -pedal padre) N.md I.ro tit amt duke shy blirq per{od. Urda the taro. of yow -wtarr ap.anhat, ova .rrhe the dplx m r snot w H yar need more bhfoentan • brdptlon of the ham you are uha ne above. You do not how to pay any tZ- pl6q dry pshlale ratsbd tat Itae been u At tls rd d each day drive wdvs m not to aver any ter vritlrotd air rotfdwtbn to hddnout rlvb as d M to Tarr to m d r angst In wtA• cos •m Nrwatld.bh- h, bu yin Wl ? . oab4 tl the applyd. pence roelef-r rdh rv i' p q r s w h ar a a I.ta tlms. am a o m bhf In prdm. vkhvaatlo to oyprdanrwe tarot yow -mast m the d r y Mlro rdh 6. Yaw Aaeae6 H a mambohWp M mport yw n daingrrht a Lke any acdm 1o coN. , the h r rp Then r d. end m the garbs, we add w .pprm m the from of his sutarm, you Mve 30 avant yw ailydon d they dWy wianatlor - m .rover whoa dr p br eetlh - nat W. add h t. by horn tl. dine " atatrrm wr mNbd to Yea lo avdd Y the i h d f d g g . p m Mdh aeOMld m -rilhe at his tad pa{odc pa " ow au t or to h ee cm ted m you if you tend yew ac..m Dwbp Uis pealed, you may i,t SpKW pie For CreM Card ft chimes dpry bdarw Mpininp .W. of V. caNMoe to cos Yee • cea M wttl. ul NKhp m payutthe rrha rrhed yar •mrwd nMrahip To ba you ro IT yw Nve a p,_ Vith 1M gtrdky of property a f Mall eepnhem old rW rneW add " trarha.alerh- fb lod , nodty u by wlirp ON Cutmler Relates. Deparart tyt yin vIri a enact ease rd Nve iced In iddh m ta-nct the problan wbh d. trrs c - dupe adad-md m the W An w rr lot thr agrm. we tin aen-ashy Bd we Am and Y New h t e Mtmw rq f r) 1>aor m tl. she err m. N m V P* Nve the call rya to MY rim handdnp m M y w aadm pooled r of tat dry tlrt N •loeeted S. HH Y Y arMeant. Y ou cn I to d m g a apdY or aa.wa. You tda l.w hraletorn ° h 1M d al Plhat. 71ns yve- u tts rPamm dry bsleres e(prhart of yow askaslt w ddd the Howehaf {f your amhuM by e+tlnN aw Owtamer RN•/lar o0 eru d Y d d N t w n pha .r p e r• mesa than and puN.r cop m-b in year Mr ma. of . , y tw alt- m ymr P.M. aseetrhert 1. }r (w g n . ou mun avi you cre t w U) a cl acm.d axwa d-k- urn r roautl.dtae hlNkh 'dam 100 mNae o1 Y mairq adktee. Bt we -- balance yr thy. or ¦ erect rrouh0, new r vdich poet m yow ptatthar w apseLl , p p, rid and coreIa rhp •n uYq yow artxout. If you you cos b vA not .tor.1der pma . opemm the htatclam, a is ova rdaiad the Yott adwrtleahxm far the proprly w eerNwe, r Pddrr aro mead m aMer f t k t f d rOrtat- -m rot albs m 1M dry helalor. We M avaao. rwy b.i.ho M .sort- r me erY mool(d of a Wpm Yet aN.dzatbn m imam Aaana.ly. V. .cmun ys..ea p o arnw w r? m o ga ur.) Fleur varwlhber m dyl r mrrpa,drr. op-tlrf arW dwdnp dr rm by tr arhbw a h the esrrert bap aYde. Te wlad-oe yar lord uml rm wr at amain you wle w ktiuawlp: any trarr•ctlrr you homw ad, trlarr W pr, P. t Dees not •prpyy to m4wnw nmfadM cagy acoorrda etpe, tmdtbly Yar avaape bYalara W 1M de are ad : naWw of H Ur blip due her, ovet6alt tar, roMr.d paymwd lose, wen adaerroe tar and arty otlnr tar .areese m yar 2 pia not apply to bualrav ncrnefert reN.eeorats e m raMp m a dry b-ab. them nwy bs a .want. Ym an mptrlhls br thW snarl. Wwtrer aloe hathvtal tb wlesdedon stld tlr smart of ape a-trN asd t.y apprr m yet axxut a M tr yah regwet m car the -mead =Ons r 4w" kdanhakn pdwcy pobcdm: er w at WWW am . 2 w N ggsera m 1M imm of Wes aiaba-o el Ra T dtl l h w a atorP your mpheel m car this acmat. Thh rosy hs.dt In . . C4{y{ One b a --V ? dd,me esrNw oak t( Capibl O l s al C ate t o: we rra p y t e Wpr • clop m yow amen .11sr yep Mve owo" Th. A l do" rrawd capitd ()Its 021?LOLBAK b. If In noal -vat lo itlc PraNataw yw ter m u ynV be wetimd m you acmnt r of the btteblea- by ova mt.lw h, =d ed (1) you eeml 1M botmm pordm of ti atatamad rq your dick envelope and 12) Wte palmand . tet.lved in ow ao".& Daft by 3 p.m. Ef (12 Pn. flesae allow nIra /w 151 buY.r bye br pond bivery. Peymenu nwlved by u n any odrr loeadon w IpneaMrydrolpw ffrounaymnhasyntr..t be crac wd_ ore of the =( we owns them. Ohr 6uk.r bye m MorhbY tlrwyl Bracey, exdudrp holdey. a b tl.wot'tlcMck'Thb auYtrohizatlm appllee m a1 cMeb rieodybeend u a d, you M.dzs u to nab a artetkm elearwie vanefa debit tom your bWc w 10 make a W the agalmn your bank *Oman using the dlebk, a paper drab w odor hewn. p p e? It son by eamew alt. IT we Cannot grocer On var.Nr. you authorize The Deal You've Been Waiting For... 596834 MOTOROLA FREEjRAZR V3 > FREE* Wireless Camera Phone ?. > BONUS Free BluetoothO Headset ($60 Value) > FREE Shipping & Handling Xcingular WIREFLYaa raWngthebar Authorized Dealer The "islasa allpeware 1, ACT NOW Limited Time Offer r for Capital One- Cardholders Capiml0w, Account S Previous Balance $697.40 Payments, Credits and Adjustments $75.00 Transactions $.00 Finance Charges $15.69 New Balance $638.09 Minimum Amount Due $19.00 Payment Due Date March 27, 2006 Total Credit Line $1,000 Total Available Credit $361.91 Credit Line for Cash $1,000 Available Credit for Cash $361.91 At your wryke To call Cuwtomer Rdrf- w to report alert ar oden w&- 1-8W-903-3637 Sad pgmab to; Sod k"Furiat me Atta: Remmance Proae ing Capitl One Bak Capital One P.O. Box 790116 P.O. Box 302$5 St Lam, MO 63179-0216 SLC, UT 84LIO- S PLATINUM VISA ACCOUNT 4862-3625-42154094 JAN 28 - FEB 27, 2006 Page 1 of 2 Payments, Credits and Adjustments 1 07 FEB ELECTRONIC PAYMENT $75.00- As a valued Capital One customer, you are eligible to receive a free Year-End Summary for this specific account that recaps your 2005 charges, provided your account is in good standing and you have made axosactioau 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. Fiance Charges P/aarexrrmffje ldey6rimportantinfor m ahas Bdmr ss, rm? l PerG 01 1 V&dA, rM dPR CIfAR PURCHASES 8654.35 .07737%P 28.21% $15.69 CASH $.00 .07nMP 28.24% 8.00 ANNUAL PERCENTAGE RATE applied this period 28.24% PLEASE RETURN PORTION BELOW WITH PAYMENT aapfta1Qje* 0000000 0 4862362542154094 27 0638090075000019000 New Balance $638.09 Minimum Amount Due $19.00 sr d Ape e Payment Due Date March 27, 2006 H. $I.re ZIP Citr Total enclosed $ epy- Alwmx Pmae Account Number. 4862-3625-4215-4094 a EmtaAdd- #9005976529165109# MAIL ID NUMBER Capital One Bank TED F BURR P.O. Box 790216 Illulllullnlnllnl 1198 SHOREHAM RD St. Louis, MO 63179-0216 CAMP HILL PA 17011-6135 b '1111 III IIIIIIIIIII/11111111111111 IIIIIIIIIIIItll llll 111 llllll ? l 11111111 IIIII1111IIIIIIIIIIIIIIIIIIII IIIIIIIIIII VIII 111111 III pUss, nteyew acw w number oa your rbarl w money order madepayabk k Capital Om Baa4 and -di. the m Iwed esrw hpe. FREE*RAZR V3 mss. assesses, Z 8 O allerr.bar err 29sraM« aprwaat Motorola RAZR V3 phone includes: >Digital Zoom Camera >Bluetooth Capability >Built-in Speakerphone > Ultra-Thin Compact Design Cingular Wireless Plans include: > Unlimited Mobile to Mobile >FREE Nationwide Long Distance >No Roaming Charges > Rollover Unused Anytime Minutes (A feature specific only to Cingular Wireless!) Order Today! Call 1-800-973-0691 Or Visit www.wirefly.com/capitalone Xcingular ':: raising the bar- W I REF LY Authorized Dealer The Wireless Dupenb r •wP6l?lewcta ides e6er?mpodlq-iIn red6eeplew. ITh? k oiler k hililed by YihaYcaint, an admitted dealer for CChigul r NDd?. Offer to or Few" CCipla ?? YYk Died after tin Not d USaie ? iy O npguiuisrM restrictions n ful oiler n notit isee gu hN Oiler ag ?.arrna for de6edamrb of FxDies sleds 31, 2(p6.Ota may vary. Cilphr, to ban, WI x retie bbppo°o a ?adnand ad?o rayaersdnnadn u rNrwo uc C NW" O 6%t% yt"eae, L1C. ll! dylhe reeawd. InPheNea. Cinpda' and Ylimlya art resparemle for the offer and are not affiliated wilt Capital Orm. Capital One does not provide, erdase or pennies, and Is not atitdm with, IN product or service shown tame. Any badenerb mentioned lerelrt are eddy owned by the respective w .AN Vft reserved. By responft to this offer, you may be commaicsft idarmdim about yourself to to camps" feral provides this product - for eiam^ that you are a zoo6dept oneul SaviCea, Inc. Coped One Is a feder* regMered service mark. All IWO reserved. te. Ogee lkried. You vvis thaw mMimun Issas perim of 2S drys whin horns drips on new puadwes, new balance transfers, nee special pntleees and revs odw m?ilsrh00WwitnfitpataK Nd00 fior peynwts below, and In tins for it to be a I by yar next asssnsFt pared m Gab advrcw tlosirq derv Tlrs Is no 9"000 sled spedsi trsrMs. ale ddtior4 Here r ro gran period m awy trerhwlarrh if you do nor pay tlm rota 'New b. Aealiug Fb- Orrae. Tsar -tiers wN ch are rot hdr dam M?tiheiensscioned/rarho tetfe dd.-Mrt) transaction is poGSss f to your Ar?rc?G?Ut or 3) from the fie calendar day of the arrest -'-T period. Additionally, Nyeu hid not pay the 'New 9alrhas (mm the pmNaa yeatnrp pdd in ILA, fewer ensps mWrse to acrna to, Ties uunpaki lust ynr messy athe ll mew Arbalance I. lo dr paid aIn IIA. wn t you pay the aMrs laser Bsirr00 kdi00rd an fir fret of your sta emrt by the net aratanem alai- date, but red nor do n for to psvkan marsh. unpaid finance rI n, as sddad m the .9-t a your Aemuhc tic. hhimes Firsts lea each baky pealed that Your soceot r claret m s ardor . mlKaan meal FlItUlCE OgWe errawEtoae rIW.60 era hs dytabr amount fr nn t ` AS tun less Q,t e ar "eooaiffiera?,M be bfFad to the pules -1r.* y_-= t d. Temporary ReiMhs In FYorra arrM We mane to ddtr to not sasses any «r Arne tirpu for any /iwn 2. A bvrsp?tD Ossy 8d- Ibebrrail New Fveluenl. e. RFhasa cam is calculated by madolYM use dssv pmlcdlc ram. To obtain the awrape dally Irlarca for the hirn0 pealed cowrad by Ods stateroom, wo mks the boo- baance of eesWanueasp- auto day, add cry new or credits. o4" to oeh N aprns an to ?o?t? etalamaR nm4 m'ealasa Rare Applyd also wrtfeat any Wald area doM9e irW+ded In it. balroG of each sep?wr.I This gives us to daily balance of each aspnam. Ttwh, vw aM up .11 the daily bd.- fa each the Solal real boor of days In ti lt hirrp perod Title dean hs to awegs dally balance of aadt sapnart. 3. Amuar v.e.hYa• Rats (AFaI. a. The temh'Amwl Pehcataas Rate' may appear as 'APFr on the front of pia statement b. If to code P 9"1me), L (3-mo. UOORI, C (Certificate of Deposit), or 3 ltrdnard Paine) appears on the from of pia statement rot Is to pedodle Fam(e), to pedohic ratea and mrssahdm ANNLA^L PERCOUAOE 11% try wry gL-.ly rhd may Nhaeeae a dsaars bead m de stetd Mcs, upfisshd r T/a waF se. Tloer tha?hps? W eRaeihrs ale deceased vm to Just day yaw „ MgypFaF+,pedy ? stawanere adng c. It the Gds D 9"rim1, F (lyno. IIBOR) or O (3 rrho. USOR Repriced alodl» m ee fine a your sutrnam nand to to 00m60 the pride rtes and mFaaowhia PBICBIfAOE AATBB may wrv marlev may W,m, or daxras based n the era be eiradve an TM trot day at your bWAV pariod each mandL 4. Anesrart of Laav Owrant aal Rraard Paprul Fes. Your ascots* van be assessed no mar tun two a tr few sated hors that emu duiq any being paled. Under do tam of e9"esot, err reams to ddrt t% o wsiw W==-y two A*.A prior notllfeatn VA*w WaiNrq au dot to ewer the sane or similar a ¦ Ina fro. b. yam Aawunt m • nhwnhsdip fie epaears m 1M irad of the aaanan, you hevs 30. to dad tram tb daa this aaamaq ern massed m ya avoid paying to in a to how such fee credited to you if you "nod you account. Dusiq tis period, you nay tsnaaa to use your aGata witim t having to pay to tan notiu?byr caang QatatreF Ralatiaa D4mn m and pay 1y?ar •Naw Balance' In fill (strA I to asmWrlprlos) prior to the and of is Wny4sy period. & ==== NYw Cis" Your Aneure. You - i Qa==X.) r d? dearoy no account axxw cods, tend as pras%modzd being, ad cress yaw aamM. If yea ao nil caned reap e?4 of daeP yaw sutlsdratd tomprendyd0elr accaw. Additionally, your acwtffd will not ud you pay as amaaw you am to 1 -1 1rmp any trmnwk a you low alMo lzd, Stance turgea, pair due faea, overact fen, entered payment fes, Cash advance fees and ow seem bee samossed to your account. Year M Ir?ae/br for these amounts Nhather ddos the arW appear on yaw aceryara a the n ar aaaquem m is e yyovuu rsquato cauta tlh as Yneutrrsdto yam opera m In des tr e00ourL TNS my malt dergaap?a1Aq n yaw aocoat atw you hew - ra, account If it has already been dosed. For exemple, If you alndzsd a purdes from • stecrt and von rsadvs the bavaeUon from to maNwt after your mom" has been dad, your arxaua wM be teeparhd, to arrant vf 0: de rips will be added to yar arrant, rd yyeaour wYbe 4oruler for pwjmwlL m tMm In a rrrMnrep fin for your socoud, the fire wa continue m be dhraed, m IM mtat pem k0d by leer, uti to easuh[ aslarns hu been Pall in hal q dehrd above. 7. U.Ing Your Asaarat.Yew card or acoe ra cant be used h cornsti- vddh ay iterret a. be trarsacdshe. S. lbtise Aaat Seaboard. Cheek Conversion. Wien you provide • tack as payment, you authorize ua alder s sae I nrrnuti- iron your deck t make a ae4ne electronic fund trawl. from vo r bark accont or m process the paymrt se a desk traractlou. When we tae r fronh you trek m tab n elsdraia fiM trenofar, Purr try b vdddrsww from yo« benic account s nom r the acre day we reusiw vale =_z=1 you van leer rsWvs your dick back from BIWNO RIONTS SUMMARY (r ones Of Fraser Or Onstlons About your e9" If you stink your ba In vaeng, f r=T. kdomudon an a trovesedan "I, wire separate sI I as soon as poxNe at ft aMfiss for Iw d. st.- - the *are .1 t from you ro late than 00 starts statement. We Maw a sent you the I!" W m wbldo the error a Ira- appsnQ You ran W err Qatamer Relallore mnibsr. but thole) w era not prasaw your dVVtL In yaw later, five s the following; in your name and account amber, to closer anwt of the arPar.'aad error, a dwdpdm of to soar ad an mprrudo , N possible, a yeu hasevs tee is n error, or If you lewd new a daeriptlan of de hen you ase masses sand. You do m Nw m pay any arrant In question valie we ars ktwsdMlm h, ht you ors sal ohsyNd t pay trs parr of yar_ h? tM are not In q osikn. T/Yldla ws Imns dilate your Prsdon, we Gmst =yV or rob any acdon to c swt the t,t special fade For Credit Card fiadv sse If you low a problem with the quality of property or serA- that you prc need wldh • rndt Gni ad yea haw triad In gad fdrh to caret 1M pebfem with der meadat, you my how to dgM not to pay the so ak ng amoan due an the properly or wnmw. You haw cis -.=== than ==V=P= cute « wi1Nn too mass of yaw rtaiq addrsss. Of we oven or operm to r wdrm, or if we mailed you the adwmaemam for ris p?raappvsrryty «ssMOes, ea padww aPlrseear mtraMhw ?n aN ounp? of purchase.) t Does not apply to cons area ago- v& card se-Ws s Does nor apply to embsas Aver- if card cosuoar Gpitd One s ppom; rtamadon pdvm P?'?c new our = a www. can. Cap11Y Oar r a dy regrlersd service nark of capital previously Aadesd is yaa At de and of each *y duikV to bsaq hard, vw apply to par Ap ran sapprt d yam rnmtt m the tWsh. of eavment. Tien at sir and or to paled, err am tq tr rawlu of dws dalabrr m aalw a es eash hemhem rrdh srprhah[ adw,atte asset pled-odes fir G ceps for your asaat. To 0a the dll bsierce for each segment of Vat transactiors a : for each S-PMW d1Wnp We dean n den days fortst s a any aymats or credits This Silty passed u as of thrh t o easy that ors esorated to that s9"rrt. Tli dos s tr spans 6sy balarmar ter each nag of your aomst. Flowaseer, N you the lbw Oleo lhorwn an yam peevlaa abawnauk r (a If your sew bsiro ws z or • crack a se-0, row transactions wiidh post to your pale.. or special cdool do •r da llyy balance, m bye? me bdarssea. to We ? aft average ble ces maedw acl d+ilrp tar an by to mMa of tie days In the arrest NOV cVcl& To calculate tore ersdorm milkdoj - avor.pe dt der us m lea dsq si tieyoirrava?jr bs?q m slight trrh00w?ds owtrn?. ?this Gl?rdm and the .rr,t of b. If fie cede Z «N appears m the Oat of this aaanenk r 'dIa aolhal erhew eedh yes Appsd To: arwwleer vole war naldply sir tsar ...red,. r laatad you mi to us era be credited to your aoowa as of to headless dry we receive, IL provided (1) V. wad to bttm pre don of ties aatswt ad your cMCk wt'dope and (2) yam ===Y w1191 by 3 pm. ET (12 noon Fn. Pleaw diver at Ism 1w 16) business do" to postal d Nwry =Qoos rsoaNeQb'y r at any esker lacaten or mAWlhonc.3ass_ s of =47 ==. Qt) Mamdsy riwdm Saudiy. 1aGWrq fosGya. oawp?ior Oar oft eM?epka,TNt der pwp? apgyNasrtpaalsmdaert?ks ncaMee d us to make a «s?tme dxvaec traefer drat fion yew bWe s m mar a tmrrge against your Dadc somas iuYaq the ahwk, a pper draft a odor rent. ow being cyck even t sap by so eae der. N we carcst proem t w tasw, you augsdzs 4 Capil alCW I what's in your wallet?' TED F BURD... just in time for tax time 201721 tax smarts • This year, tax day is the 17th-- it's not an April fool's joke, you really do get two extra days. Refund? Deposit it in a ¦ 17 Capital One* High Yield Savings Account and earn interest. Owe Uncle Sam? Pay your taxes conveniently with your card. I Page 2 of 2 TED F BURD: At Capital One, we're always looking for ways to thank you just for being a customer. So let us help you take the hassle out of dealing with Uncle Sam.this tax season. Here's how: • Save money, save time too-use the attached coupons for up to $25 off professional tax preparation. • Earn interest on your refund-visit www.capitalone.com/savings for great rates on Capital One High Yield Savings Accounts. • Make it easy on yourself-pay taxes owed with your Capital One card, up to your available credit limit t Visit www.irs.gov for information. You can also check out more helpful advice on the reverse to minimize the hassle and maximize your tax savings this tax season. Thanks for being a Capital One customer, m P.S. Hurray! Because of the weekend, tax day is April 17, 2006- more time means less hassle than ever, especially with Capital Onel ¦ H&R BLOCK $25 OFF tax preparation fees Capital One brings you a great offer. Make tax time a better time! If H&R Block didn't prepare your taxes last year - maybe they should have When H&R Block prepares your tax return, you receive the maximum refund you're entitled to - guaranteed.' Plus, H you're a new HM Block ddnt bring in this coupon and get $25 off tax preparation!* visit hrblock.com or call 1$00-HRBLOCK for your nearest location. COUPON CODE: 71480 se M/7/2006. Offer expires "Please see reverse side for delate?/on terms ,?e?/nd cadXlons. ?...oow what in your watetl' Plan think ahead Refresh start off right Get Going make things happen H2O savings on tax preparation Capital One helps you save on tax hassles and save on tax preparation fees. Take $20 off individual federal income tax preparation when you bring this coupon to a participating Jackson Hewitt location.* Every return comes with a Basic Guarantee. And, if you file electronically with Jackson Hewitt, you could get your refund even faster. U contact a Jackson Hewitt tax preparer In your area, call 1-800-2341040 or log on to www jacksonhewlttcom. COUPON CODE: I.141-13 Otter expires 4117/2006. 'Please am reverse side for details on terms and conditions. 0W I what's in your wallet?' C rtttttttrttt? Z r. 2 O f N O ...for tax time 3 smart ways to make tax time less hassle get going • Give yourself time and you're less likely to overlook something. • Collect the documents you need that may count towards tax deductions or credits. • Check last year's tax returns or visit www-irs.gov for the types of documents you may need for 2005. get organized • Make 3 folders and label them: "Income," "Possible Deductions," "Possible Tax Credits." • Sort your documents into the appropriate folders. • Refer to federal and state tax instructions and check last year's returns for help in this process, or visit www.irs.gov. get help • Owe this year? Use your Capital Ones card as a convenient way to pay! Visit www.irs.gov for information on paying by credit card. • Getting money back? Visit wwwcapitalom corrVsavings to open a Capital One High Yield Savings Account-and start putting your refund to work for you. • Other questions? Visit: hrblock.com; www.jacksonhewitt.com; www.irs.gov. Or, speak to an IRS representative at 1-800-829-1040. CapilWCW I what's in your wallet?* This year, do your taxes the no hassle way with Capital One. Jackson Hewitt and H&R Block are solely responsible for this offer and are not affikated with Capital One. Capital One does not provide, endorse or guarantee any product or service shown here. By responding ID this offer, you may be corrmnirating inforrnatbn abtxst yourself to the company that provides these products - for example, that you are a Capita One customer Any trademarks mentioned herein are solely owned by their respective entity. 'Be sure that your tax payment and any associated fees do not exceed your available credit limit. To take advantage of these offers, your account must be open and in good standing. O 2006 Capital One services, Inc. Capital One is a federally registered service mark. All rights reserved. ! •'A Jackson Hewitt Tax Service Inc. (NYSE: JTx) is the second largest tax preparation service company in the United States, with over 5,400 franchised and company-owned offices in 49 states and the District of Columbia. SpeclaBzing In electronic filing (IRS e-file), the Company provides full service, individual federal and state Income tax preparation and facilitates related financial products. Most of Jackson Hewitfs offices are kndepandently owned and operated. (food at participating locations and may not be combined with any other offer. To contact a tax prepaer In your area, call 1.80.234- 1040 or log on to www.jacicsorthewilt.com. I I H&R BLOCK' A I Lwow I what's in your wallet?' y ' If, due to H&R Block's error on your retum, you're entitled to a larger refund (or smaller tax liability) than what we calculated, we'll refund your tax preparation fee for that return. At participating locations. Refund claims must be made during calendar year in which tax return Is prepared. •• Valid at participating offces in the U.S. Vold If sold, purchased or transferred, and where prohibited. Coupon must be presented prior to completion of Initial tax office interview and may riot be combined with any other offer or discount. Expires 4117/2008. Valid only for tax prep fees for an original personal tax retum. A new rent is a person who did not use H&R Block office services to prepare their prior year tax return. 02005 H&R Block Services, Inc. Ca?OW I what's in your wallet?' r Now WHIP FREE Accelerator • for the Slat 12 n?onthtt-a too vahte 97 e month for first 3 months; $4$9.95/m &ereafter SIGN UP TODAIR ' 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.corn/go/emerald Caprlal Q • PLATINUM VISA ACCOUNT 4862-3625-4215-4094 FEB 28 - MAR 27, 2006 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $638.09 Payments, Credits and Adjustments $.00 Your scheduled payment has not been received. please remit the amount due appearing on this statement If Transactions $58.00 you have already made your payment, please accept our thanks. Finance Charges $13.99 Transactions New Balance $710.08 Minimum Amount Due $40,00 1 27 MAR CAPITAL ONE MEMBER FEE $29.00 Payment Due Date April 27, 2006 2 27 MAR PAST DUE FEE 29.00 Total Credit Line $1,000 You were assessed a pas[ due fee of $29.00 on 03/27/2006 because your minimum payment was not Total Available Credit $289.92 received by the due date of 03/27/2006. To avoid this fee in the future, we recommend that you Credit Line for Cash $1,000 allow at least 7 business days for your payment to reach Capital One. Available Cred'E for Cash $289.92 At yew service To cell Cwtomer Rdatiom or to report a lat or storm o d: 1-800-903-3637 Send papoats to: surd luT iew to: Attn: Rerakftna Processing aaCapinlOne 216 P.O. Boa 30235 ==1, St Lou., MO 63179-0216 SLC, UT 84130-0235 IlrmortiontAccomt IAfOZmation Please revuw the enclosed privacy information and retain it with your account records. Also visit www.capitalone.cordaediteauds and click on the Visit the Guide to Benefits link to learn about your West Vim or MasterCard. account beo<fits. The deaeiptions in this online guide replace any infamafion rreuived in the past For a copy of the Guide to IkneSts all the customer ?'ons number on the back ofyour card. Finance Charges Pkwe jet reonutidefairnpottast infa rau ti n o ad~.* P-16& bit ? ? (lgj ry ?, . a #tade, 'de CFIARtiL' PURCHASES $645.83 .077I7%P X1^ $11" CASH $.00 .07737%P 28.2^ $.00 ANNUAL PERCENTAGE RATE applied this period 2814% PLEASE RETURN PORTION BELOW WITH PAYMENT :aphWC?* 0000000 0 4862362542154094 27 07100 80075000040005 New Balance $710.08 Minimum Amount Due $40.00 Payment Due Date April 27, 2006 Total enclosed $ Account Number 4862-3625-4215-4094 #9008776529165100# MAIL ID NUMBER Capital One Bank a TED E BURD P.O. Box 790216 lrlulnslluslllntll c !? 1198 SHOREHAM RD St. Louie, MO 63179-0216 a CAMP HILL PA 17011-6135 IsllrottlltsttlllttrlltItrllststtltistrllrlltrtNeill IIIIIitltl Irttllltrrlllttttttllrtrlltllttrttllrrllrrltlritlttlttltlttlrl Pkam w deyavr arraant mrmbaonya di" or money order madepayabk to Capital OneBan4 andmail in themdaedertaukpc Streit Apt # Gq Shk ZIP HomePM- Aloe A- • EmdAddrtw ow peoplepc- online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Provideis at half price for the first 3 months! 19 Virus Protection Powered by symantec- ® Pop-Up BlockerTM Spam controls aw Smarter Smart Dialer Technology ® IW More Email Addresses 4W CO Internet Call Waiting r peoplepc- online A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAYI 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.conVgo%herald PW*CC is solely M WW* for this offer, and is riot ffNn d with COW Ore. Capital One does not provide, endorse or guafer so, and is net anlided with, my product or service shorn here. Any baderredu mentioned he rem are adey maned by the respective entq. N rights reserved. By responding to this offer, you may be commirnicatinag lydmnauon about yourself to the company that provides, this product - for example. that you we a eapkat One eustomec 'PeopbPC Odw Pial 3 months are billed at $4.41 per month; $9.95 per month Swasfter. Offer avalebb to new deFcp subscribers at latest 23 yesre of age and may not be redeemed with ary other aft offer sumach to dhage at any time. Phone tactical support sveie6le for $1.95 per minute. tAUdaator is bee for 12 mon fs Other good for wndted time. After to first 12 morft the Accelerated service will Mbrosti * Menu to t ho standard PeoplePC OF" wrvice.OBW M*d to doge at MOM Nth PeopW Online Accelerated, ortah Web page hurt and graphics will bed Iester when compered to studied dial-up hated service. Actual results may vary PeoplePC On" Accelerated is aly compatible with PeoplePC QYfne Wharnbt service and spedW WYdows® lroreem. PeopW Or" Accelerated is not a milaar a with Wmddowa® 95 with IE 5.5 SP2. Service not available In all areas. Access tees, taxes, and other ism and restrictions may appy. Telephone tow cages may apply, ewes durkVtrW palom. You are responsible for cidermhahg wherim a call to one of our access mnbers will result in tdeplrau td chillies. Access may be IMeted, tape iely dub" tines of peak usage. Dialip numbers may be dinged st PeopWM discretion. Continuous use subject to timwnt pmoadua. N use is subject to PeoplePC Qdo's Servos Agreement and Acceptable Use Pokcy. 56K Is the mmdnan speed a service; actual speed may vary. 0 2005 PeopkPC Inc. Al Vale Reserved. PsopW Online and its egos sm trademarks of PeoptePC in the U.S. and other countries. 0 21196 Capial one Services, Inc, capital one is a federally, registered service mark. AN dpm reserved. C Sam S O O 00 t a. ®aea Period. You wit hwt?a mHmun Race p.dm of 25 dorye wither terns deeper an row padre, row Wtarot chew If f you o row apocN gadaa rd row miter ou pay your o atl 'yew Balance, In nt ad In, tinto for it to be nedmd? for pe ?y ?a ehow, by yw road statement a d papedal tea u e u ad?e 1. In ie ears any if you do not pay de totel'N_ b. Aewaci,g Fitars Charge. Trraecllao w1 icli are re ahb)Sa to, a V+ca prfod ate aesesrd Irhannes shags 11 from she time I de tranaacdw « 2) from that data de Z.r M Z=aasod to Norm Account a 3) from the Z. mlwar y of do wear biyi par(o? AdditohW, R?you del rot per the _ 9Yrr flan aha pastes yboih V Dead b isl, fir. olrges eordeaa to accrue o unpaid ThY yo until d* unpaid I I is id in full. maw ddw you may a overt 11 ar tlrhq swan II you pay do enr1 Have Baler Mood an do fled of vea? sesoenrhent by do era .tatanrherd dosYg duo. but del ano rot a w mat d e appmpgdvahabmad. uap.ad tiro dwgea tc. aM°ba?w Crga. t eider h Iaq padod dWaA t d. TarparoV R:saalwh b A cod m rot esesea any « 2. A buei.p Baenn (ball a. Rnnc?s theme is rahaMt to bmr.0 war apply ill. patbdie r aspuwat yw aoceu k to dva itlohos sepwnt. Thom st to and of the leered, do measles of Urdwhecdellyeela/atlana to arrive for rsle from each wpnad ardw at the mu 50 vvM WV- hnpaw . If It. .50, t abteCt dot m and do dffereraca vri W a?yonr a-W-. ,raver to s taharfK a n nharnoa ai prres for env riven fiavv pbdeseel. r mdddNm to duty trace donps batyar aonud. To gat do di for rich sgnaht of yw account, we tab m bears for baeddehw nla.oed on day. tadnos fa met eeprrt We den aba p.ymema or Sadie pored w A thou day than m tw as0, . ,Tine ril esa te, aeparae dr for each segment .1 ytxr ooomt, however, h tsew Win- at- an your pnswloe aatwe t yw row h.itrhos wr nro «. rant -on, trartctmh. taislch postm Your ptadeee a se are ma dosl.e tM d.Yy baWras eel M to boo nh burns of each agrrd each ay. ad aany new p or m,%. 4" the ced. N d spirsame an p" To," oof start .. M mod 1. 'B.1- btect any unpaid Inane Rate khtlirded In the balance a of each eepmwe.) THn gnw m the delay balonce of each assess. T)rrn, we add up all the dally balances for each Socimant for niumber of derythe a ? and divide by 0. s psslod mThis . gnws w the a cagy balane of each wlprnern 3. Amtlwbnnu thetas fAPRh. a. The term' he from Pseperm' may appear as 'AAPR' an the m of oar " fns statement. It. If the code P (PMa), a (3?rno. appeam C (G6.9 of OopaalO, a S mind pdo appear on 1M the sand ad to the Melodic Omer, sr{ - etw and helot ANMIAL ncas ma, or drAGAOEt RATES baud wry may I, Y In h«ear W&N S& d on do award khdicae. r toad TM Wit Sint . anew, pus to mart "wWoully aiedwd to yeti Tare vdi be an to that day of your bier p oowrad by Your psriadc Met- ardng b Ile nwdn J rotary, Apal, .Alyy and October. c. If de .ode O gnAne), F (t-ae. LIBOR) a O (3we. LIBOR p,piced Madly) apMtn on the freest a vote eWmnad nee m that penlod. t.W. 1W oabdC qip tot marpn proytawy JIM 8;0 yea. Frew Urges VYIN eN `Nth m de trot dof your hang Meted 4. Awawram M Late, Ovenimar ud Rate a l ?ayrar Fad. Yw actaad war be awwaad no mere tat two a the fw gated lea to occur dhabp any babe period. user the tether of you Cwtamsl apaonart, war eaaw the dart to vend" or not to aww any Lea Without abr rnWutan to withan WWVbV w dgnd to sew ter Sono a simper stow Isar tine. 5. Aeosed. M a mem6ereln4 fee =-Z this eratennanat, you he" 30 dam tde staareant wm naiad to you to avoid paying to In a to haw amoh tae worsted io you N yos caned your account. Dud" td$ period, you may cwtnw m gw Vwr account .tenth he," to pay the a yaw nit by ce" uQatomer'Re i ona Depanamrmwm ad so Plsw Brear• knell Wxdud rg to Q MN Y last Act to 00 L You tin the 14"y pared. a-a by cW*q our Cwter Rstatanato rose torent You mutt away your credit carpal and account aeness docks, cancel as pcaaWorized biting, ;=101=00.11t. N you a no cancel nganada, two wft .adder reealpt of a dugs yon artodzetm to reopen ym ae.anL Adhttaraly, yw eraaur va not he closed ua eau My w rretaes you awe w hfenarka .thy tmar d»row, pea pay advato fees end rhard tam, sad, You an anvil' other fees attestated to yaw those dhose heae =010110 vNttor account. You Ter does the appear ccount your a they n to came s you request ee am ra. Incumad by subsequent to to to your asgarw dove the aosaurr. The m may y result to In voar ararut if k Ihsa aisady been do.ed Far sxanpb, if you autlwizsd a padre from • rrherdhott end re redva the frarotean from de merchant Stott Your ammo Inn been cappp 1'oh+ rspna all be reopened. tin amount yoawutof to degm of W addtl to yout eaout, he I far parrament. naheM«adp It there is a fee for your account, tae The wM coMan m W tl=h tfr eman pendeW by mw, Wall the socourc ea bMt Paid bh t1 as ryilned above. 7. Yea A-gum.Yw cad or accent canoe be harh? wMh any kd-w gan1ft S. lbfea Abort kllaehm 1, Cherie Coned', When you provide S deck w payment, you adorue us ekfw m use hemmadon foes yon dhs I to mob a on olme eMetrade hand theater from your bohk scout a to pnmCeea d a payment am a daek urawacdeh. When we use Mmmmatleh tan yer dock to make M oleeu«dc fund transfer, fends may be wltdnavwt from you bade account as soar as to same day ws mod-yar perpe ?elerd -9. your desk back from BIWNO RKWS SUMMARY (In Ges Of Fora. Or nuwdo a About Yom 80) mar you ikton Wm a lawatwt?lan or bar, .it. two -. sop. am has - moat m Iwaalda a de add- for inquiries dhow an to from of chi. Waterman. We want hoe from you no lame that SO ddaadwa aflsr we sees you the And hi an wslirTh that error or prates appeased. You can call wwvaQarsam ?a Relation mnber, btu doing so vA not your inmwaba yar mans, ? account member, o On dollar armlet of ter ampoc ea error, a descdpkn of the or mar add - etpiwtaa, If poNM 1 a yea bellow them I. w seer; or if you need mats a description of to hart you •e whose abw. You do mot taw to pay eery arwaa b Patton wlia vat ere ktwsalpkuatl?ma , yman No Pay the p-, amount you e k , but am?? p pY wealth total collect the S,t Special per For Credit Card Pt rdrm if you have a prohlwn whin to quality of property or .enNCt to you vritt a cede cant ad you hew tried b Wilt to .offers the peI with to meacnrt, you may haw to signs not to pay tat marmiAg amount duo an the Ma serhtcaa. Ym have this ptasetlan eNy wfo mrlhswes pt?a wn has tat •60.00 rd tM padre wm gads b yw bane ass « W opetram ithin move milles of ? we w t, your If vve addrt' Bt vvs ohm or advataenisrht?for?the ao i mailed Vou athei puMow pl ..raw moiph a.111 ncmmsponmda a parehtee.) t Dom as ey py m mtumar tit rc as Cate accovsrs i Dons not app?y to busbty mn--At cam --Ws CwiW Ohs s ppaoa kthantdm privacy protection: we w wvDdya at www. cam. Capital Ohs b a agY registered se rvim mark of Capital R rardal Cotparadon, AN spins rwawd, e 2003 el One O EOl&4K ads up up 1 Iode dare oil" " rOryWweed alpa hl (« new err. We parkas, per as Mass , • orgy b aft date my be a slight ? varWoavMcrro?,:N aand d. raw of It. N tat code appest an dt from at dda statement noa m 'Bolrio Rate Apobd To: war mwbldv do bkq--..N, d you md1 m w will beaedtW m yar axwn n aA 1M Wdk ay ws fwdw h, pmhad f1) yw silo de botywn pordon of Ws stammer and yw chock aserrituance anvalge and (2) your paymw? Is eca)ved In our pocewk" center by 3 p m. ET (12 roes PT). C'I sw slow at Best live (5) business Sys nor postal PayrnwZ ecdwd by w at pry War locatant or in ary aha ham mky not be erMtsd_ n of to dsv rvs nucsite thorn. Qr Weiow rya w Maday thagh 5audsy, acdudk" mpldsve FMesw a rot err tapes paper db ae. when aaoainr yar psymar. V as you sand w • drkW, you aNwln w to rnab a anrtkw Nsataie resets debt fiom your WNcaaudodzs Sxaa.rt for to arnwan ol that dock l'hm augoriz aPPrw m sl .hw noshed during ft big cycb awn k sent by aawao ales. N m cannot w to make, a carp against your bw*. aocoun aadrg to deck a paper draft a ofd ham. plo.sas the hater, you CAPITAL ONE' IS PLEASED TO MAKE AVAILABLE THIS RATE COMPARISON SERVICE FROM INSLOGICsA.t YOU COULD SAVE UP TO 40yr OR MORE ON AUTO INSURANCE WITH ONE Q ICK PHONE CALL See reverse for details-? C4api?alQj'te• PLATINUM VISA ACCOUNT MAR28 - APR27, 2006 4862-3625-4215-4094 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance 1710.08 1 31 MAR ELECTRONIC PAYMENT $100.00 Payments Credits and Adjustments 1100.00 Transactions $353.44 Transactions Finance Charges $19.65 2 30 MAR CORRECTIONAL BILLING S 800-8446591 VA $58.00 New Balance $983.17 3 13 APR BP OIL 10659712 HOLLAND OH 36.01 Minimum Amount Due $29.00 4 14 APR POWERS AUTO REPAIR NEW CUMBERLAN PA 218.93 Payment Due Due May 27, 2006 5 18 APR AMOCO OIL 07720352 GORDONSVILLE VA 40.50 Total Credit Line Torn Available Credit $19000 $16.83 Reminder If vre receiveyotv minimum monthly payment on time for 12 consecutive billing eriods this Xzat will be reviewed for a t N -I t s ibl t d A P R Credit Line for Cash $1,000 p , e re urn o your on ro uctory po s n . . . Available Credit for Cash $16.83 AtyourseMce To call Cutmer Rdstlom of to report alost of holm au& 1-800-903-3637 Stud Psymtuu to: Seed bbqLds to, Attu: Remimnae Proofing Capital One Bank Capital One P.O. Boa 790216 P.O. Boa 30285 St Law, MO 63179-0216 SLC, UT 84130-0785 Finance Charges PAwe eretxruridsfrisrfarrmtisformation A,4uwb m PURCHASES 881103 .07805%P 28.49% $19.65 CASH &o0 .079mp 2&49% 8.00 ANNUAL PERCENTAGE RATE applied this period 28.49% PLEASE RETURN PORTION BELOW WITH PAYMENT ?Q0000000 0 4862362542154094 27 0983170100000029008 New Balance $983.17?? Minimum Amount Doe $29.00 so-«t Apt s Payment Due Date May27, 2006 _ cry s- zl9 Total enclosed 1 H-1 Ph- Moon ePh- Aecount Number. 4862-3625-42I S-4094 FmulAddnw Capital One Bank P.O. Box 790216 1111111111111111111111 St. Louis, MO 63179-0216 #9011876529165103# MAIL ID NUMBER TED F BURD m 1198 SHOREHAM RD o CAMP HILL PA 17011-6135 11111111111 pill r Plfare vuitsyslvartoaat nrnl6a on ymvrbacE of rsoruy order auubpayablrto CspitaJ OruBml.E m1d rani! in t& enrlnr[d snaitlope A few minutes of your time could be worth up to $400* or more. ffca4'800)993-5058today to see how much you could save! orvisit www.inslogic.com. 'Savkgs amounts are based W irtsurarxx premium iNortnation pprovided by purchasers 01 IrtstUrartce dTMa9h. a similar program, from 01/01J2W5 to Ofi13N2005. tlrtsLOgic is a prognutt of, and Insurance services are offered through the licensed Msu2nce apsncy aflHletes of Answer FlnartcW! Inc.. Insurance Answer Center,* Inc. (Cal6orria Licerme No. 0899714), Ansrrer Center Insurenw Agency, Inc. and Mrough other alhliates. Answer Financial Is not an irsuranca rorrlperty. Insurance plans ugh services em from insurance companies atrd irourartce-related providers. Not all products available In atl states. R.%=;r o charge. 1,.r. asordkg m th s oaer, you rosy be comrrWNCaTug nlonnatlon atwut youreeN to the ry that provldee Wes product-Mr example. that you em a Capital Orre customer. t? 8 of O? N n RM Capital one dose not provide. Itndorae, er guarantee any third•paAy product or service shown here. Insurance ptodtlcls ere rtd tiepotdls or other oblipsikrts of, a uaremeed by Capital One or an affiliate of Capital One, and are not insured by the FDIC or em/ otter Unigd States agerwy or Capital One. Your decision to ppuun3lase inswarwe and your choice of an insurer w agent witl not sheath your eligibllrty for any Capital One prtrkUU or service. Any trademarks mentioned herein are solely orated by the respective entity. 0 2 gW Capital One Services, Inc. Capital One is a federally registered service mark. All dhte mserved. 1'a. Rasa Period. You will haw • mirirmnt pace padod a 26 day %*time styles charge m new purdrses new hslan we a trn R race apadai pudrsr aM rowin mfnr de y ,,o3 u pa P-ry*trr mfr 'new Balrnes", aecerldarls wkh ri knportMA 11a a f« psywra below, and in time for It m be eradrad by yam next statamnernt anted prpsNY nwrtas. In, dire b - W- period any ?trarrecrMn If Vote do not pay the tatal 'New b. Aeaain? ilrreee 2a Traraetiana winch ero rot i ri dab of ac en 2 from ?tle tYm then i transaction is por+seed to yaw Aeeaat or 3) fmm the IkK calendar day of dl amtt biny psrlo? Addieesy, if you dH rot pail ri 'New Bales hen the prw6na OyaNlrte unpaid al balance wetdnarpae Oaldiae b aornr b paid in Thb mairm, 9M you m we sy n, ace lblars dwryr, mat N you piety ri eeais Naw Bslrtm Ytdkind m tlr fiord of you KKantant ley IN rams Krorr-st deaip dms, but dd not do so for ri panfete mesh U, trnaaa dnsrgsa sm aifed b ri aspl-w of ynr Agatnt t a IrtYlYar ilree Far eadn hisnp paled Utat yaw aonua fe b • rn.,m. dw?, • rrtiimr tool RItA1iCE E of ef/.60 wig he-iraorrL a dr ?fade?rawa'r la..?dnan°1io o, v?•e wls"C°01suha.C,hK` rested tmnn the W.f,o nWinntan aril ri ttlrtslartos ww be bled b ri pudrr r?rwr a eooaaa. td Taeyary RaiMir lee Pincer a-'W. Wa rr she right m robpatdasaer any a N Alwra drrpr for any dn'an 2. A =Daly Braes lines." New Wdraml. a. Rnance chaps Is calptatad by mtMplyirp ri dally 6Yaros a sadn rOrwr a yam a , ani ce o-, rash oem/ by y In l ri m, pudrm, apsdd [rrrfer a ramW and i special thot has pr been b rlesy pedodc each day d= pmrMuslyp-,a ?m you. At dr and of cede e af o oa u tieddaWNWinn= mgmem. Than at ri and of the birtg period, we add W the mouto of tfws daily celmdNane m ard" K your mnce for =ridcfiem eoeh ardvee :anL the tort perk eri tknarnoa sharps for yat? scr:out To 9a ri dally balrnoe fa each rener a tar aceenat we take ri bsdrairn s ? u rp?mb dasy W pMalsr yes acnut Nowevar, N `Nu6dl w?e taro as asdt amount), row mat b yam pudeae:,sand wsnot mentlrp N 195 rp N by the nn8taktYb vac t =--M balance fo 1M yov a: we take the if you e derv. add am new mcdvs el .Amact ameldn Ilan any uinn - truants aYrlGe Nate dnage /11paK1 I O. NR cearbmsla M ..h ) T inohrd la each ceQne ramm. Tlln aeptwa.) g p a u the daily balance of seal wa add up all ri ddNrsyy balances for each aeynam far ri hlilq aril I'tbalances *W each s .wr of day la ce each omi m. vaags dally balance of adt aspnarn 3. Armrl Preaepa RNr IAPIl1. a. The term 'AraaN Percaraes Rate' may appear as APR- an ri beat at Ns statement. b. If ri ads P fPthns), L (3yno. UBOR), C ICsttiscaro of en at An. atatarrmerrt om 1. ere parfede rrep), dl periods rates and mwrom rl ANNUAL PBMBR RATS O 1 old p wan m arrseew on pro scat say of your wrp peer 4. Aame ernes of 6ata, 0v~ rd Meand Pryawl[ line. YOM sateen will be amassed ro more than two a ri fem Natal hem tier mow I= any b!t paledtbdar ri te... f am altamar epsemem Ire reaerve 1h. dgm m watw a not to amen any lem Wkr aAploy nodecadon to at . waivip w ddtt to amem line .ear a skdlar at .rata tkaa. 6. Yar Aeaaud. M • memherdip fie apprn m the Nord of ilia sutamrr, you hew 30 day flan ri dale dim statermsnt vase roiled to you to avoid paying the tea or b he IN fee eledted m you if Yat eared Your aaonam. Durinp die paled, you mail comiae to nN Yatr a00011N wiinonrt hawwq to ply ri memberalio fora. To tarod yotr satyr. rata frost G. N Yee Clem year Aemua. =-=": close amp account ga tent acsrotap dnaemuKke, calal N prawdedzed destroy your ersdt udWbNiparil ac, adhedz M W consider PM der rsealpt a a ,deeps your aredzatlan b saws. AddtlpWy, yore eeceurt wA rlt W timed tads you Pay N antatrtte you owe tea arty tranmtlee you hew atrtltodzad, trtrtce eharOr, pest do alp, ova&dt tea., rsttaned peymmt fees, cash Y. rd arty odnm fees . r to You for thhus arttotarta nyeeWs Wther acoo? advance 'a" i illy appear m you atxxaam K ri tine yyoouu ragteK m dose the aeeanl a they an ienrnd a?4nam to you mPast to dose the saws. TN. nay me* In dens atmsdno m war atxmud afia rota hew privacy p"neclfm: sew w ad service mark of Capitd ft reserved, • 2003 OILOLBAK puce. nee b roudkp m • drY rr<, tiffs nMy ce satyr wrdlrrrnpus bKwaan Nor taladadorn rd ri amour a b. ndns?ade Z a N gprrs?o M bad of Ns statement mile b 'Balarno A•b Appsrd To,' vrs rtrdtlply the tam the mndnnt after your 4 Yw Sawa well be mopaed, e wW he added w your eccaar, bb for psymars. R diem fe a sealrlf, die fee WIN aamFlC to be ehr9ed, to the ease paedemd by low, u dl the aaoum ba7ancs Ice boon PW In N r deM1ed chow. 7. Ilip Yea Aeeotnl.Vw urd «.ccar.n ramta he teed fen nrensctlon with any Yrarrst firrWartN 9. lead" /Wad EMasnarda Chafe Qanvenbn. When you ptaida a deck. p payrront, you acted:. ns elder b tar knfprnedm Nom type drek m make a orrWtm electronic fad trarefer frpn Vat berti saws a m proper the pay-rt r a dedr. trrractlam Whwt we tae aIer, iron yqr shale to make ear dsamic fad mawfer, bad. may he wiindravrrn Nom yam beds yotr Kai" aaceud r aeon r ri eanrto dal' we your tih peywtt you wal ant rabire e k ynr Dadc hen BIWNd RKWS SUMMARY (In Cane Of Erma Or OteNoro Aban Yw BNB N You dlknk you sal M watmp, a M Ycu road maro i y .R en m a meamcee n w bits, Nelta m r on a •epamta atwt r scan r pomble at ri adder br hear hem yrl roro : «d N edoeddiasww >Wrnal yir ri And bm m Wish ri armor a pratlrn apprred Yes can u rir will not call our Qmarrter Relations Nftsr,tnur ,des bur dotnp ppeesaww yttu ddfda, h you Io ill no infetmatlorc yctr reran aril eccarl melds, the ddlar an at ri atr?eefed era, a deacdpim of the error ad- r eeplaeim, M poaal6fe, of WWryry vas bsllew these is at error; a If yes reed teas Inforaien, a dmedpllon of tie hem yes am vpw .ban. You do fret hew m pay any ama nit In quesdan vdee we am knaWOeWq h, hu you an ads tsd io pay the parts of Yam hN trot ero not In quwk:m =.u ne dC yes awKim ra we earls y aske arty acim to cosan the amoiunt you i,t spedd We For Credt Card Nd. If you have • problem with the q have tiluality of property a hew Mail plat In you gwd a err or good felon to a Wfi to cotmet ri mardrar, You ntsy hew the dim rot b My lie randnknN .nneum dr m the p?erly a rnfces. You hew IN. lttotrtan aN vdrn lie psdwe pies was ntam teen a6o.00 aM tie ptrdter wee made N yaw Nana atsfe a whhN 100 mMeayo ur a Islip ad6rs IM we own a mlN,pghmmy N Psdaep &&Ardmnmn for ero nyarad mpesaw of anent a Icradan o/ pxdar.l Rmm rnr7Wa m dqn N ameaprdrnn. t Drs nor apply ro coesam v real-credal cad acaralu S Deer M &A* m buetmr nmvradtr ca" secwnts fete tadt P you anal to re Ws be credhed w your aawN rpeoff the bgWrr day we roalw h, PmNded (1) Yes send tie bottwn portion o1 thb etatwmerm and yes dark Paymwss any tetelved by u atan eod7r feeNm In Kry odglr f mail„ not be cnduA a Aa tl 3 dalPyy w??ieoNNw diant?01, bt sines syKi m kbnwOaYBtisaNn SaNd y iimpostal lWrp?hosl y. Pkram do nee tw stafies peer WNispes ate. rdtwr ppnnppaadrp your paymerN. YAnan you sect tea • dlakW you w .= us to make a are-flees alactraee trainer debk tram yes bwllc atxxrsrt 1r ri anrotsw o(ri dtsclt'Tlie aWmdzatlm apgae to N chrb ncelwd dAV the blip cycle awn it cam by sameere des. It we cannot proem the ualhr, you aWedze u m make a chaise against your bait aaomn acing to dock a paper dmft er user ham. C-I+a¦?0ne I what's in your wallet?' TED F BURD it could happen to anyone. Make sure you pay the amount 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 SETTER 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) ® 2006 Capital One Services, Inc. Capiwl One it a federally reginmd service mark. All rigbtr reserved 053-oe106 P011-0a low" Account Previous Balance $983.17 Payments, Credits s and Adjusuuents $.0o $35.00 Fumnce Charges $2318 New Balance $1,04145 Minimum Amount Dw $60.00 Payment Due Date June 27, 2006 Total Credit Line $1,000 Total Available Credit $.00 Credit Line for Cash $1,000 Available Credit for Cash $.00 Atyourservice To a8 Cwtoma Rd tk. a to report • lat w stolen cud: 1-800-903-3637 Send prymath t. Smd mquda to Arta: Reatitnnoe Proea.ing C.FM 0- Rmk Capad One P.O. Roo 790216 P.O. Boa 90285 St 1-6. MO 63179-0216 SLC, UT 861304285 PLATINUM VISA ACCOUNT APR 28 - MAY 27,2M 4862-3625-4215-4094 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appearing on this statement If you have already made your payment, please accept our thanks. Transactions 1 27 MAY PAST DUE FEE $35.00 Your account is one payment behind. Remember that making your minimum payments by the due date, keeps your account in good standing. When you miss a payment, late fees start adding up. And nobody wants that. So make sure sou send in the minimum amount due on your statement to keep your account in goal standing and to keep from paring extras fees. You were assessed a past due fee of $35.00 on 05/27/2006 because your minimum payment was not received by the due date of 05/27/2006. To avoid this fee in the fume, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Pka wrekwusidel6rimportantinfxmawn Rd~nak Pn:elr Cwr?b? ??yyy+• ` ¢1lwJfi rah ?fpR l.rb PURCHASES $994.37 .07M%P 28.494 82338 CASH L00 .0780S%P 28.49% $.0o ANNUAL PERCENTAGE RATE applied this period 28.49% PLEASE RETURN PORTION BELOW WITH PAYMENT V A`` ()?W* 0000000 0 4862362542154094 27 1041450100000060002 New Balance $1.041.45 P4a prnfmdwrmlAmm4lr-deArq s hhwwwrMwv Ha4mk Minimum Amount Due $60.00 sh,.t Apt s Payment Dix Date June 27, 2006 Gry Sao, ZIP Total enclosed $ Home P6oa Ak-w Pb.. Account Numbs: 4862-3625-42154094 a PaadAddnr. N #9014876529165100# MAIL ID NUMBER Capital One Bank TED F BURD P.O. Box 790216 Irlulurlllurllulrl 1198 SHOREHAM RD St. Louie, MO 63179-0216 0 CAMP HILL PA 17011-6135 m LlLrrrllnrrill.rrllJnllrrrrrlrlrrrlLlLnr.IIrILrlrrLl IrrrIII...III..r.rrllrrrlLllrrrrrlLrlLrLLldrrLJrLJeI Please unfeymwA=wd nn,nbe, mymv cheek m mmsey wdn madepayabkto Capital Owe B=1 and mail it the-domed enivlopc 8d 0 ppe N dr? Pesos I. Awls A Pernr tata'p.. ..a.- hied. Vw wM Irw a?mkimun grxo period of 26 dry. 7Mdgl[ we llrrmiparJY Puwdreoeputlrer, bon YOU rrtr dupe. if YOU y Your tad 'N N M. M 'Mw B f rt h ern. wMh >ti below, wod In tim for it to be - by Vower reset clove, Tbevs Is re, on Cash advances seed trarbm. h atltian. feriae ta pr?srre paled on arty nrteemlon H You m not P.Y the tool 'New bal.rae.' b. Aeareitp Fitanr l7tapa. 71 arractl«r wHon am nor Srs frarit dri deb of .trrrrctlmdfrom tlr d ?tlst ) trrtaadbn b pnoorrd b yar Aomnt a 31 hem ri p pabd h fits. Arl.rlns drapes oaprttls b some b en?w tlr? you m?.y e1N mew Nwo duq?r, cwt H pay the emirs lbw Btrr? kvr••ntsd m fro tram of fubmrit W ri rout amtattwp cloaig dos, but m .m sort to. Miisr ballrron0 stance of ees?MwseaP?r eagr they, W eM « c?isdins. (H the Dods N +ppeaa on tM fmn of Vd:i stationers nerd m'BYance Rate Applbd To: v ala srLhact any utpdd Nunn dtsp. hduded h ri big of oaM prwR) TNa gloms u ri dely berates of t los . Tort, tp aD da=y baWlna e and ruttrer of dew h ri ed. Tide gives u the 3. Antrl faerdy. Rai a. Th. brm 'AtreW P 'APRs on ri from b. If the code P arm a.tan«.n coca .-poem. Rate' may appear as LIBOR), C lcaroffcele 01 ads meal ri pabdc U1l P91C?lFAG RATFS I I in h Tb M. « Win Sa if &V& based ar ttany dadcesd m you ~P?ada_ *?a!^em artdkp snort 11 rt rtr rsaoy ore tao.sa nu srangre. f you .Wtonizd • pudtase front a ntadtam and ws reoaiw ri trar.ctlon hem the rnerdtarp after your arrant hes been dosed, your assatart wN be esep ..d, ri amen of ridtwp. vAl be sddsd b your aaatett, andyou wN W rsfporrebls for peyrrtam. If them M s rttarrssraap toe bf yar accout, ri hr vrN nortdrite b bo h , M" noent mitud by law, wY tM h hll n deNred mow. arsue Wlanoo hr bps -5 7, thing You A.rtatt.Yau ea carat W tared In coonet.do. wft arty Internet ymhWq tra secdmr. a. Neale Abort El..baNS Cltwk Conraaiert When you proNde • dtadc r psymatt, you atdtaiz. u ererr a tae itforrnadort cram tar clack to make a ors-time dectr ac Md trawler hem your book ecew re or to Warr itM pawlem re dtadt transedior. Whr ws t ilbr MM (IOm tart deft to make an aleconx ic, fud trarfsr, futile racy W w4dwillrawsn tar bark account r aton r ter erne dry w. n ve yar P+Yatart. and you wN rat raceirs your dock back hem your AnsrrJot hedoabn. SLUNG RNaff'S SUMMARY On Gr Of IN- Or Ou d- Abe d Your BM If you tlrpt your bN b warp, « H you rased mom tntsan.fon m . trarrrtiat « bN, walre m u on . = % f sr iimi 1M W ? "IS be rynwMfiyad ? dea based rs toter ft. Leta no Low elton00 xe s t you tlr bNad b ri pudlw ssprrK of .®nrr. Ratkeallat be PMr ar s We nave the t d Tea ar Mated kdsee, r land h 77e WW at,bart e 9bou Tlrr dwppkr ri rrlebn r..AclrM derlred to Am M on wHch ri error «paHern appeared. vw corn w err c sta ea RdWar m,rresr but doing r WE not t . g y di ft to rot serr rr or all Nuras dmWe for any plwn P y WN be fbed- an the Am day el you Idling Penbd , poeaw your W/d, in Yan+ Mow dive is to bllow4q your big prod each main. . , C= Henn and ,Doan comber ri man 2. Awrepa Deny AeYnr IYtaMri? New Rrdreeel. b W l ut b l b ri dW F d N 4. ArrruR of Lab, OraiNl well shat ed Peyaas Fete s r. tw el tl+e Y t WN b t d , mtaet of tlr arrgned ener. , deealpnm o/ 0 eaor and at a la nat ee lNe of ww11 t b th H Wt h awees tarpa y rm y g e y a. a n p balsa. M sroh asplwp of your acratn (s.Q tyatt a our aceaa v no more out o e assesse Noted have that Decor dung any big petbd llrldsr ri , , ry y pu an p r p e e e m arer «N you reed mom hbmtatlal a dsrrlptlan of , edtatoe, pudtre, e(edai trarfar, and staid ptrdtre) brms Of your arrema apermt, rs rawrve in dN1t to , ri horn you am ursure abort. rw m rot Ww u our +nY by ri nnaepordr 6Ny pabdc maG) dirt hr 6aat f wNw a rot u arer arty tar wASnar Ma notlauUm u l iW d h d h a bu you snare In qu,etlm It" ,w =1 al ri f X; prsNotsly b you. At do end o eadt day ri bait taken ws apply the diy P.rbde as w dtout em g our p t to aaeer ot rme «a n a n , I,ter ikns. 5 aro s b pay gem o t ero not . in question, we Irnewe l your ups lm ws wrest rpnatt of yar aaaut u err rYay bdree of secb rrtt Then a: ri and of the bi+ tom add t .e end Aeeret H , manberalip fns 6. Y e rn m the ima o1 We otnenmm su hew 30 spat you as mMlpwm « kta a any action to waecf the anoun ou nsdm p . , 0 a P ri is M of Char aalaladons b sMw a Yaw f = W dd d rad A al pp . y day ham the dote ilia otnatrem our mailed u you to dd th h h ta d u h f t d y g . rras o rpe se e a tq ot pa e a. rserlb horn Meth .eotwt[ b aMw a the total p.tlo 1. av pay e ew suc e cra ta Pao g ee or o if you eaneN your aco«n. DtMrg tNa patbd, you may S,t Special We For Credit Card ArM,ssa arrtu dupe for yar secant. Te pot the baWao f h r f t t ke ri eontln a to tae your atxan wltltour ItaMrg to pay the memW a H b T d t t "you t we a problem wllh ri gtWity of praprty a , ws or eac asprla o yar.tsou a Wires f« gait ssgttap ad NM any neon traredlau f M t 6 d d l ri l p e e. o tune You accau , P u moa ratify u by WNnp our Cuss= RarOars Depsrrmi d N l ' h hat B aenNrea tut y ou wM • credit cord and Y. hors tdsd I tahh b coact ri = wish the an any pa a t ane a rnp. ts is m a Pa e d (s Wleras br Ace[ eeOttrt. Ws awt wauect err/ tmMaame a «edre MOW r of foist dry dtot .m aaonW an pay ew ertee a ma 14 pda u tM ad of Pedod. ==y 6. H You, Close You Aswut. Vw cr regtsot to dot -whors, you may hew V. ddp rot e ramWrg t seems due on ri pre?rly a rMces. You how the «yat wMn 1W udur wqe nmre 1Mn b t1m agrrm. Tli dt+a u ri agora. may 6trtes t« eeah e Ho-nsor H you geld the rm M Your estann yyaarr axartt by eaMND our t}etom.r Ra4tlarr Oep ronanl lm Bradt asrdp) and lm p '60.00 and Purdrae wss h your lame atau a , g . New Balrtn devet r your pnwfote atarartrp h hi fa . =e e account acme dst#a --7. m,utladzed brM. Win 700 mNr of you maNnq addmr A/ won own a apam» wa elleldtap, a itl foie maMd you ri H your rrw bdrtn our zoo a • ad[ amoutl, cow traredlar vfldn Prt to tar pudrr a 4edt Z and core uA your account. If you do not censd Pmatladzad big armnprnru, wt wN oarider Ne pmp?aty a cruses, d POtdueea °nt for aro tsvarad rep,ndeae of amaat a beam o1 grWas.) padres nprtero am rot anibd m ri ddy b. .. We calta60e ri ewa? dNy halrtn by adarg r to daay rooaipt of. drys yar arthodzatlm b escarp. Addtiarlly, your aaoup ww not W rlord fler rententtWr u sign as careaportdaae. balrto.lrrpeUrr and dMdnp tlr rm W ter tember M to cloy In the arrert bid eye$& To tsketleee Voter total tnd wp wr.a ratans you owe u hdudrta my transactions you haw arlyd:ed Nurtca tlrepr, psot t QD1'f not rOPyl'to omerune• a»-?.s0t um r°°rf° Atwee atsrPi, mInply yar awrepa dial blots by the may psMde tau rd W ri nntbsr of den in big due lsr, evedhtit :;%M rred =:n, edit eA.r, fw end rr fires ar i aiea copy.var re ar.Ww..aa Han-asaal wtl aeooup, may Drbd Ou to carding on a MY kerb, them may be • sapht weclerloe hetwsat dda talaltlon .cod to ennotnt of axwp. m mptarkb hr . do. ri *. cer mrurr request for they appryourmayour aceot you requa to =One supports; hbltmtian pdwar praNU.tlm sae our •tarloe drape l"sw emeeeeM1 b. N to coda Z a N aptsa m ri 1rem of fns atauntatt ' a k w clue ri acaan a thsy an Marred auEasquat to yar rapes u dire Yr .tpaud. TNa Puy rawnt b of www. can. C+WuI ie a say repbpasd =-- C st GpitM O C i s e -r- Salsa. Rase Applied To, rw ntttyiy the rota to deav bd- of e.ch rant M wtr -0m - dugs ,itprtrp on your acoart ahsr you Ww feu the aasout to W dosed a tits tmrJra of aleatias A dptla 2000 cwm One OILOLBAK n ad your deck h atdnidar Yw maN u u wi W «edtadbb you aCWtalt r of VW buekter cloy3 ws P.m. EF < recelw7g:' k NdetlPn.cPleat u nu and ri Wtt«n poNan of fda statwnwrtPrul4h our aocaaYtD Data sy aapw at Nora 1w {6) buirr day for anvdape and (2) Your gyman recdved in p ymm received by u at my eddw ktsmn a phnmp?ydrtaphapufo m mmay tnot be _ r of fs drv our mpiwe 1Mm. pr Wkrw day am MwdaY frwpt Sawda . wodulrg haWay. ac br /sue ol fr deck 41 kaMalzatlan a{petw u M cmurb iscelwd cymoduted dpi V. do blfir eaN Mize ubm sanseerve On f WeH carat Process, fur Usnoler?you authorize y miss u to make a cups against your bank occo n utkp the duck, a paper troth « ofsr here. c--Phwcw what's in your wallet?* TED F BURD LET'S TALK - WE'RE HERE TO HELP. 054 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One," 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. 0 2006 Capital One Servicer, Inc. Capita! One it a federally rsgismmd mrvice mark. All rights reserved 054-07754 Fm* Account Previous Balance t1,041AS Payments Credits and Adjustments $.00 Tnngacrions $64.00 Finance Charges $25.52 PLATINUM VISA ACCOUNT 4862-3625-4215-4094 MAY 28 - JUN 27, 2006 Page 1 of 1 Payments, Credits and Adjustments Transactions 27 JUN OVERLIMIT FEE 27 JUN PAST DUE FEE $29.00 35.00 New Balance $1,130.97 Minimum Amount Due $130.97 You're behind by two payments. Let's tall:. If youre having financial difficulties and can't make your Payment Due Date July 27, 2006 minntmm 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 Litz $1,000 Total Available Credit $.00 You were assessed a past due fee of $35.00 on 06/27/2006 because your minimum payment was not credit Line for Cash $1,000 received by the due date of 06/27/2006. To avoid this fee in the future, we recommend that you Available Credit for Cash $.00 allow at least 7 business days for your payment to reach Capital One. At your service To eaU Cwt- Rddion a to xport a ton of rt" eard: 1-800-903-3637 Scud paymwb ga Send inguiim to Attn: Remlthnoa Pr-ing Capital One Buds One P.O. Bra 790216 P. . Boa 30285 St Louis, MO 63179-0216 SLC, UT 94130-0285 Importmu Account Information Take control and start p?t?g yo,1r bill online for flee. Eliminate the haggle of writing rherk,, finding stamp,, and sealing envelopes. Everything you need to act review, and pay your bill is available online. Our webate offers you a couvemient, ample, arld secure way to manage your account Viet www.czpiwone.com and register yew account to stet simplrfytng your life today. Finance Charges PkxeAv reurnrrds fm imporraet inf rv%dion BdmveraB Pnielr C- ? ? ytla/b ra& PURCHASES $1,054.67 O?SMP 29.494 $2562 CASH $.00 .07805%P 26.49% $.00 ANNUAL PERCENTAGE RATE applied this period 28.4991 PLEASE RETURN PORTION BELOW WifH PAYMENT V :Mphwowl 0000000 0 4862362542154094 27 1130970100000130971 New Balance $1,130.97 Minimum Amount Due $130.97 Payment Due Date July27, 2006 - Total enclosed $ ? Account Number. 4862-3625-4215-4094 Capital One Bank P.O. Box 790216 1111411111111911111111 St. Loui8, MO 63179-0216 1111111111111111111111111111111sell I I 1111111111111111111111111 Pka urirey9 acmaatnamberonymo S1,eer Apt s City Suu ZIP Home Phone Alt-%Pb- a Em.aAd&- #9017976529165105# MAIL ID NUMBER TED F BURD N ! 1198 SHOREHAM RD ° CAMP HILL PA 17011-6135 C ? III III11111111111t1111111111111111111/11111111111111111111114.1 dmd sr money ardor made fayabkto Capita! One Bank and mmlin Vm exdarsdenwhoae. r S BEER w mom e? 8 &O 1. Ho" To Arad A Hines =. to. an- Paeiad. Yw rrr lava • nirirdm pea pedad of psdadc ram. To obtain dr, average Oily balerae fa the hpip period covered by nammarH, vw take . your aocarn If h Ices akeady bean dosed For stontPle, If yw aWgrizs0 a prtluts into a merchrtt wd ve 26 drys tc"WA Aname drupe m nskv pudrsaa, nor balms trarlabn now a adY ud nd w d beyrniirq balance of site ,epnern aaM bal. add arty new t tl m d M M realm the transaction front the rrordttr[ efts your , p p r,s a ne o w darOb H V- Pay ymr tord 'Naw Balance', in aao"Wns aim tr Ntpptsn Notla for pe nwts below rrnec ar aa t teprwn a n rtet arty or credo. (H the code !1 appa?n on the fiord alit tatamord raga m'Balancs Bns A Yed To: we also arrant M+ been rJOnd =b +xant vAl be nopenod, tlr anoint of the drip , eddM to Your somatt, aM AI b bl H M I f y , and In tine for R m be or= by your nail atetwww pp srbtmt any upald Ytrne tlwgt irArded h the balance Ypcuu v e reepar s or payttrr,. t n s ¦ maroaarp fee for Y+r+ aasuw, dr fee vwl continua tiosirq din. Thine b no pea period on area adwrw addNart there ro ets eriod and spacw varrbre in It a eadn atvrwut) TNt qlw W the dMy balrna of sect sa naw 7lrru xe add u aq 1M ddaalyy balanuw fir s eta m bs tiwotl m tlr emit by low, urtll the pMNme N f ll d a rtt b W lMd t h d h d , p p our any trertatcthrn H you orb not Pty tlr total 'New p . q = fd. WYq = = Hde by dr total It ? ap e a wu u n s t ous. r W 7. Wing Yar A..-CYar ad or a-td eanut be b. Aearaip Fattroe Chap. Traracdar vdiin an rot . J 1 dap N the pivp u the daily balarnot n sedr ""au. Wed In connection wade any Irnenta pambl np trar.. I.- agsct to epee p.rbd r arced tNrna dr+uy+ t) 3. Arra1 Rrrrt IAPRI. S. Hwhe Abort Ekver it Clrek t]erraelat. When you Tram tlr dab a tlr tmradian a 2) torn dr data dr a. The bin 'Ansel Psrardapt Nets may appear ea =, deck r papr t you audrks u amt m transsdian b proeeaaed m yar Atwaxar a 3) flan d. APiP on yne had of ri, natarearnL = mnd. from t'ouw duct basks a ow-drive A. uwierrdar dsy of the txmn 6iu?l paid Atdkbrndy, ' b. If dr code P IPdm.), L Amu. UBOR), C (Cadiate of alaefrorie fad ttrnafa from ymr bank acwtm or to you dd rot PW the Nora Oahu lean tlr prw(pa Ifi b aid N fiA f rtana dar . contra m a m Depoip' or S (BrYtrad Pins) appear, on to font of W n t e d ft d d d d d pro ese tlr ps? tta? Whan q p , i lp tom yaw unpaid balance until tM upald bairns Is pad In full. ar a ems ner m ps o e rated, w p+ o c was and mrrs?owY?p A11A)AL PHICBiTAO RATES m us idonnttlm fad bander, firnda may bs WidndraWtn Tian you Eric ===N may N ow, Errs tirrpet, aen if ew Balatcs Mond m th+ ftorc of may vary gwdedy FIN hdtpt a deasa,e bated m y* ansd Ndsat sa fouW N Th. WAN S7nsr asaaw r son as, the same by ors too" yur pa nrw ad moeiw w duct back from n yar.htarrmarw by tfr nod stawrrw ce+knp can, lout dd rat do ore fa dr pmAaa awWn tJr td frro di s , ,bans: pka the margin pwMa?dy dhrbaed to you 7fnea dr et war b. a1kN A fm d f y , y you Rnadd == . p p an added m the apiratls aapmww of par Aaast g c n ay o yar byhp pedad omewd by yw pedodc nnanad enddp BILUNB NIGHTS SUMMARY t c. eRnkr.rn Flrw prays. For .adu 61Arnp paced thou - h the momlr Jrsury. Ap aed Ocraba. (in Csae Of Fzrob Or Q oW- Absul You BM) riur acconw b sWlad m a faro dips, t nirirnea. J . c. If the Dods 0 IPinl, F (1yiw. BON) a O (3-mo. If pea Writ yqr NN h warp, 1 you nail mars total FIIUOICE CiWI(yE n 10.bo wp W logic H 0. fOlal ?rnL'e t'lalll dot O? kawMYnp a?ynym yoW psdodc r+b(al b than SO 60 ors wi aatt+ct alit USOR Raglad MmWy) a?e?n m the fiom n aa.m.m rrxl m to p+lledt ralt(y gn not AIfMMd P61CEMfAOI, pedToBdBem+ aril q RA r i , N nu hw N scat at a - and dr m address a for P°?• at N d w l f Oft t W f , amouw from tlr 60.60 rniintan and tlr dflsrtro w11 be 6YW m ih pudn.t tgrrK of our aawr y w ry n = - andmry Nmsr a dsasasa on M es fond N TA. W,l Str M d Mesa w i J b up I o a own an o rom o +btemerc t mum for into you ro Iner Ain Sp ddirpw ? A NA eid M tl . y t d Trparay fleirallan N Firm .rya. Ws rsteroe the , ar/a e a p the msrdn pretAeury darJord to you. T1nsa dupes w m Y am tn n 1 error a pro an all ou dataner Rdadon nurisr. Mn dodp .o Wp not ddd to not sasses any or N i ro dwnn for any given bite psdo6 wAl ha afbetlva on 1M Am dry of your NWnp period aarh mrnlA pprrra.aa?ra You dgtrta N You Innr, ¢vs W 1M tdbw4q knterrnadorc yar ruin. and aawuw rearrbw, the ddar 2. Avaap Davy R Win. lhad?i?y Ntw Prdwrl. e finance ch, h caMalarod 6 rnkdd l Mn lln dW 4. Asaasatwt of Lab, OwA.t and Rained ==F Yo d i b d h t arno" of the arpen.d ears a dsaedpnion of the error , y p y p y balance of etdr ttgnaK of 1'+tw aoaur U•¢, stein ur at:oatw w e assesse no mom t an en sated hem, that o-r Ar4q any bw v pedod. Under der = and an .tor 1, m, If poaaltls, of Wvdrvnv Y. bole%* taro is an aura; a if V., toed more Inlortrradm, a desctlptl of adwro, putrfarwe, rPedd [reach= rd .pedal ptrdrsa) mime of you taratomel +lr++nu+nf, we the ufff'+ to ay iM Into yw aro tarnre thou. Yw do rot lave m pay airy by d. city= Pedodc rabhl that Iw 6san rsrlaal m ou At the erd of ooh da dsN oral- a not a aasr yrlor nWadm tt ary tees itl tl l h d M A d" amazed N quanim but you ? p y y . y p the 6inp oabd we apply tlr d.Ay p,dode same for e.dn a w r rw r np err p to tsar ar aan a ., n a later tNa. N *b In ro garb a Uat aro nor In qusmisn. N .'.P."' war Ytra. yar grat war sspnrw d yaw t®rt m tlr ddMif Wrns of each L * N 6 Yar Meaat H a marisrdip fee d ta 1. c t the repo" Y. at digam a tab arty aetlm to eaMct the p tin A J i w % .k*chtlent m ? k ,dowl. days hunt tlr = th b ,bt« ww mail d two ye m w I : r d flan ..tin sa. to adve at to total Palde o H Yep anal par or to so W. a m d, pea ) i,t Special ikb For Credt Gd Pnrdates fir aft To # ydrW6thyrlr?ps balm for etdn aspeanand add arnryy roawrr transactions an dma to usa Yar actualwhham laMrnp m p.1l1n ° f°°. To carnal Your aecaad, yw tout ot Nr H you lava a praM- wM 1M quaFty of prapemy a serKeaa that yea wMh a erect ad and yw and ryy furs tfrtp W dt nil m dr pmvlar Ter alit rprww. w. then wbtnet rr/ and pay N&w Bdace' in full Wx dap me srotralyiaprtee) Wier m tlr and of to W dod. C n w y ° haw 1Md In Wdn m..emtet fa prablarn WN the . Yw m+Y Nava ?u+ dOd nor m wy tM ranaHrnp p an the prapaly of serdaa Yw haw W. p+Y+uars a aaM, pond r of slat day that an -.w m does ++puuaw• 71i, Bret W d'ne +ePa+t+ ddy bdana & H Y. Chw Yw Mewam, an nquaat t a o d yyoaurr armrH by c+Aknf am Cuafoom Rd l . oNy Wan ails Fugnre pdp was moo tMn for asdn asprnaw of your scr llo.aar, H You paid the Nsw Balrnos shown o" ou rsvlaw abtenww h (a Oeptrbnad. Yw mWl d.mroy Y+u+aadt arch) .ed atx w i d d b W d ed kffk 160.00 and tla pacer vwa ma6 In Wkw Mn sum a vwdin 100 toles at yat+r++/hn0 atfiaaa Uf war own or y p H yar new balao yr zsn a , orsdt amouq, raw rrarraedar Wain pod m Y+u+pudrsa a apsdal nu scores u usc , rsnnc ptst n z uf, aM saes uNnp pea .eaud. I1 you do rot anal proaWadzsd 6inp amnparrdt ors vAp axrlhr ?n fr of if ors mdbd Yw the adwtWan,m fr a earkfaa, p7 w d purls purdrsas aepnawa an rot i m the ddy belroa We aladae th. sver balsaee b ad3 aft air dill , receipt of a Wipe yar aatnd:atlm m roapan ywr a t Addd f hit b w r ore eared ngardeai of anaed p to e. Wedreee.) rs of Plwe ronarriar m aipn aN oareapadero q y p y balance nyedr and dNArip the wn by tlr ante M txxW . au y, you aocatn w not e doses true pu al amerce Yw owe W Ndudna any 1N days h the - ww blip qcl& To trAUl tt yar Wal trarratiiar yw frw auN+odzed, 9rnario. Wpsa, pea t Does act apply to owxwnw inn- -* and acco d. Milos duay0. rmNpy yar ava,p dr=y E Wna W tlr aw oral by the naMar of dry, In tlr bilNnp due fen, owrl it fees, rwnW papww fees, cash Wmm fm acl Any otlr fees assessed m pur i D- na apply n busbaaa nod rndt -d acmtuRs im --ft an + NY bsab, curs may M a betvnan 1Ne =bWldm aril dr anwaw of d Id acanrn. Yw an napardt for Otago amouna Wrdiar day appear w Y+u+ aeeattw n the time you u+4aa to Om skp Porta l Capital onnadan privacy Prorekolion: ores oar bd ro ip, atsWfy arwrd b. N the Dods Z a N aggro m fie find of We stemma des to arxxarw a dial sn Ncared auisepam m our n uad m dr dr a caakt TNa ma re ct N a wa n www . tt tram. C +g1d Ora h ¦ y 1a?sttnd aaNa mark o1 Gphd rnaw m'Balao Rats To, war n.atlply der y q . y a W- drip on par accord after pea nor On Ponarndd Caporalia n. NI dphta rosarwd t 2003 swrsa dW bolero o/ sarmart a wrr kmnt reorrmtd ?r t be dated der totnerino of cap" One OILOLBAK hkn fri yw mi m u ail be aeAhd to yen acoant es of dw bukms day ws roe w h, ProNdsd Il) Yw sand to dononn podm of ilia atatwnan and yoW dwck .nwiops and 121 Y+u+pspnad h nalva0 h our aoaadm Dana by 3 p.m. ET (12 rwon Pry. Pbasa .pow a Nast fir (6) bsYwss Gp for Pomal dMvsrv. P.pwes received by W a a y.9. hcafon a bn aryr.Owakrrm ?mnawyRnotsksWtbsrnayeaduta)_ n dushpof tlw we reaha dam. Our bkwkata days an MatndaY dtouph SaNdav excutbnp hWdari• op cant brrUwo,dnedwcktT h a{ples lord ca ncNVed dw dip cydadze us to rnako a emptim. I yam bank c= e evs ebemuW srwkrbsaair Wsi. H vw came tranfm debt{ ltcm your bank u m make a W rye agiwt ywr bat woman uNp tM d a paper Orate a other hams pncees taw treater, you auNrodze First 3 months half-price 97* 4 a month; $9.Mmo. ftmatter SIGN UP TODAY! ' 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral 11001? Jf Mw ^s Account Previous Balance $1,130.97 Payments, Credits and Adjustments x00 Transactions $64.00 Finance Charges $27.28 New Balance $1,222.25 Minimum Amount Due $222.25 Payment Due Due August 26, 2006 Total Credit Line $1,000 Total Available Credit $.00 Credit Line for Cash $1,000 Available Credit for Cash $.00 Atyoursavice To all CwtomaRdstiomortox nalost-delen ark 1-800-903-3637 Send payments to: Send ioquitia t« Attn: Remitosnee Pro-ing Capital One Bank Cyi td One P.O. Box 790216 P.O. Ban 30285 St 1ou6, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Take control and start paylug your bill online for free. Eliminate the hands of writing ehaks, finding samps, and sealing envelopes. Everything you need to access, review, and pay your bill is available online. Our websia offers you a convenient' simple, and secure way to manage yvur account. Visit www.apitalone.oom and register you account to start simplifying your life today. 003 peoplepc- online N-1 A better way to Intemet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! © Email Virus Protection ® Pop-Up BlockerTM Spam Controls Smart Dialer Phisher Security f?p Internet Call Waiting PLATINUM VISA ACCOUNT 4862-36254215-4094 JUN 28 - JUL 27, 2006 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 27 JUL OVERLIMIT FEE $29.00 2 27 JUL PAST DUE FEE 35.00 You were assessed a past due fee of $35.00 on 07/27/2006 because your minimum payment was not received by the due date of 07/27/2006. 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 Pkaterre rmff.Ferukfor imtffYCn infonotimi fh }? ? M'db fen' l.llll I PURCHASES $1,145.05 .07942%P 2899% 82728 CASH S.00 .07%AP 28.99% a.00 ANNUAL PERCENTAGE RATE applied this period 28.99% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362542154094 27 1222250100000222253 New Balance $122225 Minimum Amount Due $222 25 Payment Due Due August 26, 2006 Total enclosed $ ?:1 Account Number 4862-3625-4215-4091 Pll-t siss rV.11 esd4r--IA.Z kkmararK.-V-i iw.E sft r Apc City S.* ZIP Home Ph- Apeman: Photo 0 P.ulAdd" #9020976529165100# NAIL ID NUMBER Capital One Bank TED P BURD P.O. Box 790216 1198 SHOREHAM RD St. Louis, MO 63179-0216 m CAMP HILL PA 17011-6135 n ° Xwe witeyarv am mod narsba m yor hack m mmuy aide made fayabk to Cajital One Beak and mad in the -flared envekfe. r peoplepcn online 11? A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepe.com/go%oral PeoplePC is so* responsible for this offer, and is not alfoided with Capital One. Capital One does not provide, endorse or guarantee, and is not af8tiated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. AD rights reserved. By responding to this offer, you may be communicating information about yotrsed to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at feast 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll at 1-BWSTRYNOW. Service not available in all areas. Access fees. taxes, and other fees and restrictions may apply. Telephone too charges may apply, even doing trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone too charges. Access may be limited. especially during times of peak usage. Dial-up numbers may be changed at PeoplePCs discretion. Continuous use subject to timeout procedures. All use is subW to Peo*K Onone§ Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. O 2006 PeoplePC Inc. AN Fights Reserved. PwplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. O 2006 Capital One Services, Enc. Capital One is a federally registered service marls. AD rights reserved. a_ aa? ss? 8 O Om Oi71 N 1. Pow To Awal A Firnea charge. - ter. erase Pried. You wA haw a mWnnm pace period of parb6c ram. To obtain the avers" dally balance for the dripaed coterod by alb ataroaeM, we cob the = gota, smut if It has already been 0 rPjsu surdnrksd s µaNrr fa msdrn and 26 isye Ydd.ut IYnsrha drape m rhavr pueduaas, row balance tmrlem neav apsrJY purchases ard new odw bsdrriq bb a each r(Pnad each elev. add any row seelvs doe trrrrdm frar h de Mrd rt after Vote t tl , drryr if YTss hWthsyaur tat 'Naar Wane', In PWWK ? mow, rrrac ar to aadr sepr?d, aM wbtrael aM pa?wna a orodn. (N the cods N ypean m 7M is oP We statement mod b 'Isdance Ran APpINd Ta: we also axoua Ica lean toad. Yo r axn well be reopred, tie amont of the rye vA be tided to Voter amount, d A b pp and In d-, or It m be cradhad by Vetr nee statanr¢ aMraa arty unpaid Mwm choW in One balms an e rr yyaa V rihls or peNnrr. if deco Is a r rnbasho be or your aecotm the tan car comma dosip dam. Thou o nn pace period m easln advarhoea and sPedel traron. In ddhory d.re is co pea period - of each comm.) This oyes u the dolly belenoe of each aspnaru. Then, caw add ?p all th dWV balanss for each To h d oe emm pen fitted by ow, use the ocean =:h dm bean Poll in /um r dsMd above [mrixon if you do not pay the tat few apmarn fa # tllip period and OMde by 0. WW member of dap In the batrp period TN. ives u the . 7. Haim Yw A-at.Yw card or accwn cannot be dh W b. Aarndt Emcee fJr9s. Tramacdans wfidh are not eh8} cY to • pas ponied are amassed Acres dr9e t) g aa"" deity hWnce of each sepnem. 3. Aaaal spPisrBya ip rdas (APRL us orarat n with arty Internet "nrharp us"mc iorr, S M d from doe dole cf"trmnsecdon or 2) 1mm the does the tmrrwon Is prorceard to Yee Account a 31 from doe a. Th term 'Areaml Fame rp Rae' may appear as APR' m Ns from of this stnemen . a e. Alert Flseisrde Arai Oorrrraisrn. catch you prwi . a drake as payment, you a thud- us either To fist calendar dry of the merem bfaip parcel Addplanaay, N w rid c tl 'lb l B / . IT. If to coda P (Israms). L (3ino. UBOIR. C (Certificate of use idnnnadmn from Pte deck to melte a or*-dm decnade keel bussfsr from You bale aoeaea or to ro pay y r w a ers mm the pm?lar rNrha grid o AM. Arharnee atmrgr mndnr TO acpnm ro Ydr unpaid bYrrcs rM the upaid balance is paid in full . Tli DePoWO, a S IBnlmsid Pdrna) appears m to fount of ale abternsm rant o tie pmW? the padode mum all cornspphdnp APM1A PHiCBdiAOE RATES process er as a deck trrraakn. When wset s use use fmm deck to make an tffdm declmde fund O rfsr?, Your mere art you may all ovw Is tlrrpr, even N You pay the andre PMw BYanm itlnM on the front of may vary 4mMdy and cry increase or decrease based m the stated indices, as found in The WiF Strear amour rand cam se Uu same day wreceive, fro psvrrm, you wA mat receive your check back from your amamar by The roll atatarrt tloafp data, hoe rid not do r or do previous nrrah. Unpaid Arrrce d-Voe are amisd m d. as rrr a w A®hns Joann( plus the mar?yn pnMaldy dsdaed la }vu Ttese =-=b ve m the first daY of Yee blr y- M1rrrial irdtuda? o y . tc. Micah F=- rd ye. Fa ash bMip peeled Nat rp by tau periodic artanem andrp In lh maths J s A a i/ d J BIWNO RkHM SUMMARY yes aaeu t b wblset m s lines cl-p, a rrYni- tom! RN4NCE a4AJIGE f 10 60 A b i a ury. g , , y an Tuber. c. If th Dods O ( = F (l ihw. UBPNp a O (3-mo. (in Case Of Emom Or Oumalar Abased Your Sao If you Writ ~r Is wtap, a If you need more o . w e rymsed N the rate . ass toW Arurra doerys fisrrn doe avp?pApcad- of aub LIBOR Repdoed MadNy) appsam m the front of yur n 0. pedode r-taw dM p Po?c raise statement nem to inPmnadm m a nwd_ a bill, writs to u on a separate alma( as nom r prtlhb a1 The add- for em unt fmm d. M 5.60 mi ism a d d. difference will be brad m d. Perim a sgnr? a ame n. o A A wry rrmnWy andmay inem"m a decrease based m the steed Indices, as cud o The War Svow J-4 pkm = Imm You ro Wa torn a1 dWaswatammern. We IT. ban m vviicfh the arrow a problem appasrod Voce can td. Te prry Rsduatlr in Fires flrra. curve ris We dow to not aver any or M finance, drr"s or cry Own ? tle madn peNamly disclosed m You. Those drpes ? office" m the Amt day of your dRrp prod call w Qmtomr Relation as , but dokp so W not preseve vote ddru. In Vote letter, dw m th fagoWnp p 2. Avsrs(N Bdrre i rise New ptadrrsl. Rnahoa d . is d l d 6. Asssaarrd a Laps, Ovardt and Raiarnad paynmria Fees. m ons"I"r Your name and aecase comber. Ih dollar amen a doe auapeeted -.,Td` rmor, a deasipdm of fir era . rpe ca a am by muedplft doe dairy b deuce of each sa"re of Vote accent (i..Qq.. rceah aMano, Pad- *add trenwas and apadal te0 dnse row aeoout veal be erased no more Than two of tie ir, listed ore dart coots deft any bkkrp plod, Under doe terms f and an apamdm, If possible, of wAY Vw believe (here ice an a% or N Vw need room Inlpmam dm, a dascdpdm of , P by the corra?a?np daily peaode rae(el dint has b ean psvbrly Mdoaed m Yea. At d. and of each 6v daNq o yote mrarrnsr afireanerhl, caw mrM de riOn m .,w a ear m area any taw WI1heY[ pda rotmlcadon to Adn" wwl*v ere riOn to anew the cam k k , the Item you an terua about. Yo?u??Meat{eapradhrhpw m pay any a-re In areas anus ere - h, bte Yar the bwrV oaod we apply The dally parbde rem for asrfn >?t as yaw amaaht m Ns di y ialros of each e or s a et A. . 1.. time. G It Y A If am to ob aN0 m pay dr pence m bur yar iai tot are tea in krAndlate question, vote vve ?r q " ? t ssprwt. TM a the ad of d. odd, ws add uip doe rawdts of then dally calculations to arrive a yar pedodr de frhrrs chs Zd u w . I ar mur. a mambsroeip fee apprn m d. trod of 14a suterrm. you hw 30 bri Iran de date alb amtsnrd was cooked to you m avoid * ft i rap al aayou = ant or Team any actiort to olle kct In. anon You p from sach p it a at der sot Prods pa V n or to how such fee credited to race if you cancel yarn accmn. Dmit this psdod, you may S.t Special Rule For Credit Card Puc(uar or aedn rOnad scMunL an. Lks dda W y ==t=. yw accord wldeu having to pay the To anal you & am^ you mull nod If Yw Ivw s pmtlrn with the quNhy of property a bal Torsatin a nccs sapaant ad add any row trarsalar ad aM prbde fihanco dharys calmdaoad m d. praMar nodfy r by carn9 = Rd - o partrnerd ad pay our how Wanes' in full (altlurdr the senloes dW yw wM a sm elt nM rW hw tried n Wdh to tree( the prsblan =die s day' b.Ynos or doe[ ssOrmrc We tM aWtrst aW t rnrnbraip tss) Mon to the and of the Wrry?daY Period annitchent, you my Inew o sight Wm o mm ? paymar a aadlu pasted as of dirt dry dha w allocated 8. N yw Clem Vw A.seuL you can regret to dose amourit dw do Y or services. u Innvs Nh ' i m doe ramrrL This gives w d. rpsnte daily balance wph? Hof poet dm it your M our scoria by c N ere Customer Reladaas Uepamr ad. You rear destroy Voce credit cadN) and protect (W poke was Team ? on only ? $SSO.00 and to vtadmr case made in home stile a wWdn too unites of Yw a8 r k er in (a r yon new balance car tam or • used[ amaatl, rear VW*Kd&o Which past to VW Puclraa a s ecJoe anneal amass duck., ca col as pmWedted Umni, sed caase your accoun. 11 you do not cancer tl na? rt fled 81 we oww or Of Y oPeram doe Mrdhat, a If cam mWsd our th a sar car M rd ? for es P p phrtlras seprrta am not eddd to the dally balrvcea We proau rdz amarhpemm?n, ws wA earnolder receipt of a cur wr aMed d i , pu uses of are co e se armout a locadan of purchase ) caladaro doemergeand dNydY beisthna by sdip th P all tl. dairy balarheae drr 3 m9s b b " y za m to reopen yax account. Adddpmiy, vote account wA not be dosed = . Resse o sign ilk oorrasporderna. t sun mem y er o doe days in to current WOO cycle. To cdculam your tot HWI you pay AN anmunts you ewe us Inducing: arty Imes dam you leave surf ouz anas:e chi peer t Does nor soon' m owurmr o trsdR card scouts firnahoe den, rm your svsra9s daily balance by the doll der teas, ovedidt oea Wlt , ronared rent ter, rash nd y rate ad by the nnrbsr of drys in the blip advance lase and any of 1m nomad to Yw i Does rot s P1aY to bu®p?ssr norwaAY un xounn ass To rootlet on, a dairy basis, there may be • aw rlar.swdres between die nlmddm and t)e amount of aarlY asssaasd scomm. Ym am respmrils for the" amana whaler dry appser m Vote exourt a dm rime tequast to dose th acoanr a try are Mncurred ? to CaWt One aWoris inommdm ptvacy Protection: err w vwbsiu n www.aap ors. r b. N doe Dods a N aplrra m th from a alb atalanat roll m _'I!" Rsro To: we rradtbly Uhe yw repea to dose the scoo n This may rrdt in clrar9es spp-*V m your ..comn sitar Wu hve CaphM one Is a 1daM redas?s service 2mrk oCapital One Financial Corpora roserved. tlm Ak 2003 r OILGLBAK 1. d P you mall m us wA be msAm o vote .t in . r of dm !=d Vw Halve R. Provided (1) yw send The bottom pordm of This stnmwa and you of envelepr and W Your paWary Vamr b rscel ohm mnay h?a wd H err mcft"d tsdof 3 p.m. ET (12 nm Pry. Poor Mow at least 1w (5) business days for portal deervany. lved by any rpk P.1ltats raa u a oad?ws,loeadan a In wnotWlMmnynw d 1=, mcelVS tom. Our business hip an I , I Y riouOh Baindsy, aaArdrt nmove. ooantd ammtra all dharmalt. Tub ?prr wM dmcl. nWwdswd w . you aModzs m to mdw a c sdm elsvade trawler dean Iran your Naha ITS o mob ¦ clmps 89*0t your bank aomat u** tm dhsayysa0shdt, a papa draft a odwr hair th brig ycle swtl N cant by son aaw dim. If vn area process dw transfer, you audedm CapiMIC ' what's in your wallet?' TED F BURD TAKE CONTROL OF YOUR CAPITAL ONEO 056 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 &ge check by phone service or speak to an associate by calling 1.800.955.6600. 02006Caprad One Service, Inc. Capita! One it a fedemdly rrgutered tervfce mark AU nghn raerved 056-07754 Capitalone Aocotmt Previoix Balance 31222 25 Puns, Credits and Adjustments S 00 $35.00 Finance Charges $30.45 New Balance 31,287.70 Minimum Amount Due $297.70 Payment Due Date September 27, 2006 Toni Credit Line $1,000 Total Available Credit x00 Credit Line for Cash $1,000 Available Credit for Cash $,00 At your service To all Customer RdsS m or to agort alost or stolen ark 1-800-903-3637 Sendpgmetu to•. Send inquiries to: Attn: R.nitrmee Prarseing GpialOneBank Capitslo_ P.O. Boa 790216 P.O. Boa 30285 St Iauu, MO 63179-0216 SLC, Ur 8419P0295 Important Account Information Take control and suet ?yrtlg your bill online for free. Eliminate the haade of writigg checlty finding stamps, and sealing envelopes. Evaything you need to awes review, and payyour bill n available oulisse. Ora webitoe offers you a convenient, sip and sense way to manage your account Visit www.apitaloue.com and register your account to start simplg)* your life today! PLATINUM VISA ACCOUNT 4862-3625-4215-4094 JUL 28 - AUG 27, 2006 Page 1 of 1 Payments, Credits and Adjustments Transactions 27 AUG PAST DUE FEE $35.00 You're behind by four payments You still can't make any new purchases or cash =-:740-by nt But you ran still regain your charging privileges and bring your account bark into paying the amount due on your statement within the next 30 days. Unfortunately, if we don't receive a sufficient paymen4 we may have to permanently suspend your charging privileges. Need help? Give us a call at 1.800.955.1 600. Well work together to see what your options are to rebuild your account status. You were assessed a past due fee of $35.00 on 08/27/2006 because your minimum payment was not received by the due date of 08!26/2006. To amid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Pkaurarevrteride i ant infi"Noign 0 B,T.WA, we b tilts Pvalr Co^ytpafaf ICE i APR G`Li` 11* t2 PURCHASES 51,236.92 CASH .0794 2%P 28.99% 530.45 3.00 .07942%P 28.99% 5.00 ANNUAL PERCENTAGE RATE applied this period 28.99% PLEASE RETURN PORTION BELOW WITH PAYMENT 0W* 0000000 0 4862362542154094 27 1287700100000287705 New Balance $1,297.70 PG p;stsnnll?ydirae.ey a'+a.7alnernidses Mae M.k isL fO°`a Minimum Amount Due $28770 stet Avr.,f Payment Due Date September 27, 2006 City Staoe zn> Tonal enclosed f Home Phone Altemaa Phone Account Number. 4962-3625-4215-4094 O PateaAdae. #9023976529165107# MAIL ID NUMBER I Capital One Bank TED P BURD P.O. Box 790216 1111pill ItIIII11II11II 1198 SHOREHAM RD St. Louie, MO 63179-0216 N S? CAMP HILL PA 17011-6135 ItllatrtllrtrtIIIt tallele,llatatt l tl rt r l It ll r tats lltlltt lttl t1 Is t tlllt is Hill I to I I I t n tlla I Is Is t llrt llt t ll It It l et l tt l alma 111 Pkmeariteyoscareoaatmaiebnoiyvav4W of iwiey ordn,nadepayabk to Capital Oi Baik aid nwil in JJxeularsden2rlope. ism 1. N.a T. MOM A Fitanse CJrye. perlodc mw To obtain the awmp dtfly balance for the aemmt If N has k d b d d F b = as een ee a y or aerrp , t a. Oar Wr)ei You w/ h.. ?mem prate Pedod of tlRq Mod cuwmd by the eurrw+l, wa uke tlr if you KAnd[ed a punch, a from a emrdrK and we = a? 26 OW widma lire dr?pr m M MW pudrw. now be?reirp bocce of aKh apnwt rch dW, add Kry row meow the trrmanfon from the mmdven after your bal.ros balrhm, row eprW padre and row ph« VKwcdma m rdi espnsp and ,bai=J= - a amomc hr hrn drsd. drrpae N you Pay Yam lard 'platy Balatse', N or cordite. (N the cods N ?ppeem on the IM ,mount of the drape tW Es addW yA be reopened our -mtM, amaridarrae v.Nh sir N4ormm Nathce far pymero below, stK«iwd nod to 'Nairce Pam Appdad To: use Am et- yyww wid be m.p«?Wle f« peynmm. N tlwe be a and N tine for it to be «adod b war sod flatulent arbv ur dd d W i A l d M h bd t an y p c tertce qa r a s t e - nrmrr6emWP tae for your atsant, tlr fee vAl remiaa y rloiq oats. Thra Y ro gaee ptlad m cash advrlosa of each ) 71ie dwa W the only baiKee of rah m be tlwOd, m sir eodam prmdNed by Iew, ursY the end apwdY trrrfKt. In addMon, thrs Is no pars paod ae¢nsm. Then, tw add tp r the dnlyy bairns, f« each ,coos palace hr bean Wid N WII u deSrmd above. tratlasetirl it marr ou do not the toad 'N f si a Ni y y ew .eyn«a or rs p y p and dhide by the tatY 7. Yer A..aml.YOr am « secaux rarret h0 sT M Qwe w the qh i dlh t p tow n w airy senot pri b. Aerlrup Firrrlr papa Trrractlos vlidl .or notwmpa W4r a ? paadiD ?ttttw nbjxY m a V•os pa. am aaesred Alrre dart) t) 3. /usul iersm?l,pa Rrdr IAPRI. a. News Aiwt Fiabati t7wsk Omw'srabw Whet you from to deb of do transaction or 1) from the dw the .. Th. I.nm •Amu,l Perormaq Pat: may apprr r provitY , dMek r pYmrm• you ndlorls• us .War m Z tratuaclirl 10 Praaeeeed to your Amount «3) from dr APP• on tlr from of ilia atnamra. rw Yliarrlelhon from yeur clack m make • arls-tine Mot oalrrdar riy of tlr mnram h q psdod Addtbrlry, b. If the code P O'dwl, L p mo. L1BOR), c (cerd0efm of demne 11rd traabc aim yolr bamt sarnt « m if old net pay tir'New Balarroe fmm tlr P' Deposit), or S IfJrtkc.rd Wins) appeaw m the from of Pmrar sir sent a a dedt vrractkn When we to acme statemrd n tM pedodc Mr deok to make an use fm. elxhard c d?m vpdd Maur bWrci uttdtlr u aW boars ie od I to t full I ANNM ?Ml * p p n r m g g n . am L A G RA b fland Thb mar that you n atll owe Mlaree drt r own H ma ? d k d e i emses o ase ? r son r d p , y wry gt =w ma nare « r seem, " iv yar you pry sir wean' Maw &Wes Maosd on on. from of on tM ,oler fast- In TM Wir StrM Payer m rW you cep ret most- v mtk bads from your stKaraam by dm red Kablilara rio.Yp der, but dd J«rr(, Pt- it- moron dmNOWY de lad m Ynt yar Mrtdel ialaakn. not do an for the pmerr mot-. lfrpdd Alree derpr Thsr sW bs afNed an the. day Of yoV am added m the aPptabw as mrs of orr Aneus bW l d d d d p y . rtp lsr a onmm W Y«r ha o c smtrnam snort) &ILNO PKYfTB SUMMARY tc. iAtirar hartrwa mN.. Fer.oft hilrq Plod thn M de road..Ira+.n. A;F .k*y.mil Odab«. (M Cave Of From Or ouruae About Your Pld) account 1. mo• 1180 « cocle V-r bW l*". orIf - }O1f W • • ( a ? ? ? n j ? j = ? m td CFWgE 501O 0 vA be If tha UlbOOR RR pdmd Mo ddd " RRAME of $0.50 vA be If tha UlbOR Rpdmd Mond" to In=m m tna le« M, w iAra yar Inta irtW ihe I t m a n total Mears t. te?d?q Lean the W-dm o} smterrmm nod to 7t- Palo rya) 1t- padode ram, 1.16 aMsm rsear pone- at the addwa for patiode raw.* is air tM i0 60 vas w&r. tlrt A UNF AL PBICENIrA(# RAT'S ma In dd I f h f hi a , y gt r a .. on t rom o s emmrnsd. We must e t mao nt front sir l(1.60 alitillmrl and d* ciffsrana v.N be wry wY Nears «dsarr bred m dle Ileac fr«a del. afrr tw and you the e v bled r the pedlar of arenas. dated Nrdosa, r /otnd N TM Wad StreK.y«fny plus Met Maeiidt g e amor Problem t d. Ta bm?addnp r vYou can apary H.lirsikel N iirw arpr Wa orww the tle m.sdm DaMorW Mdaasd m You llrr dwpee ad om QaomK Rdadmm number A not , d yt d& to robtiewr cry «r Mrroa drapes for my phm Will e w on The Met dry of your billing period pprwa Yam MFda. N Yo r letter, yw u sir "vv* Q in t- b paw ypr renne a aeee o 1. Aveya DYy laNntee 1 Maw Prdrrl- 4. A w dlar «, th • dredpdm of dole Beemar errrd of lab. 01r2adt W FAbAntl r Y eakUated PaYalrs F.r. enrraun of de autPacrd ar«, a mn a Rnalror el g ,the dsil Yr r r l M d t- . c Y a ,rea n aaeras ro mom 7 two of rr ter end an atrpWrdrl, H prMNaNK Wry you bsiieea dam I. bores aadl,operas of V. amount etrafs ( (e.¢, oadl fated Ira tlet Doom M any blip Uncle r the m error «If ym nrd more trn.tfm a dredptlm of , ur .dvrr, ptaslrr, apaebl ttareler rd spedd padre) hems of Your , a(prlement, reaerte the to the hem Ism- Yau do not hs t Y any a n M a? h ? b y tar cateioMrq only . A do mrW each day ben valor or rot on seems; ,,aces, dg m fen ho pbr notltk to amount Qs. dor voile Ptatealry dariord to you. At t sir et- of aatll dw duirq tNdeul waioktp o« to sessom arar the acme « ,Medal em sill a led m poY it- one of y°r tlet m rot = the hip oerlod, vw ,pphy the F_ rate rate for each K . late tune. ,_ d m, cxset aevrwit of y«r ,rrrrit m the fWene. of rdr 6 Y Assert N a m b N f C = = M No . rr em p ee report you a delnqumtt tt . rty ,etlOn t o _ a codas 1t-han at to hs- °TO 1'0U Qredm• MT e ? tD ors of A clot dmddirla m K 1au r dew A the oat! the amrmrle Mae IMiad to Yau t0 prbde Alas, dr7s f« each r¢rwr. We add uP the ewid PeyNp IM tee «m haw such foe erodtad m you ;,t Spsdd Rule For Gedt Gm Purohars nab from each ee¢Ilra to amw at the taml parhode if you arltal Ytar ,tearer. Dracut) dos Pa.. you wy d W m ur w accetad Nftltwt Iu Yo Wq m p.Y the It ou Irw a vlth tl dit f L __ y r pt y o properly « f« eat- as¢rrra armors, ks tl r hstFsdnp rnanrherai?ip tr card Yow arxaru .T o ,You rout P you halerlea t t agrm rd add cry new trKracmkrr notify by e' ow t ' rAO «A r RN.dorr Dep.MtaM haw filed in fat- to camel the problem vAth am Kd the ' ? y No nm In ce o C ? oslwYOed m tlr pmNar and pay your New Bsi.roe fill IexktdlnY the memJrm, You maY hew b MY the mmelNrq day'?bairns for tlrt agrwlt. Wa tlurl rburx rW If Y_ Cropre/YawAemus. r) pbr m theYm and of d."4=%y pedod. wpm du m de p?«=-.Z,: ou face Wa sted r of drt dry drat am abated Q N Yw p can ose de was roam dwt m drt aalaara. Tli phr u• tlr rparam dilly bsirta yyaomr ncmrftt by c;= o« Customs, PAkdme I a the oepntrnaa. Ym react destroy yam erodlt oslld(a) and 460.00 and Pttrdlaae lace nrde M Yov harm staN « for ae¢rmrs of your arrant. 1loaever, "Tad 100 mW M yon maln0 addrsr M wa ace « N 8 l l . ow a arrce a rwl m yalr pnrirr atKtrrrom (« armorer erxw dreka, anal al prsrshMxed blip, W 1t- trtrdrara, «i1 vw cored you the hlrearlaarro«a H Yale row ersdt amor, raw m ". if You d trrraetfar ulirh torn m war pudrae «*se ad flr pmprty ««Ma., r pmdtrr covered vq ar? • ent Its == art of prtlrr ) d =P f . pu e¢rwrd nor rot adAd to the ..=r all ore ce .m. Ws receipt ot. daps wtr arAaizKim eoreopen your Rare r?er to sign rr : a!?y_Wr W Meo? . AdtitlaaMY, wm aecaus vsl not b rJOaed g ? h ? the days in the ,tern feu py r rroulb yr OM us NcAdrr¢ cry bW4 cycle. To a1oVKS yaw 1«d vanaacfiam Yen haw atitllotized, drlrros tlunpee, pat t D. ref,apply b omearw rsrr rreoYt card xmuga O Aare drr0a. rm/Ipy yeus awrpe da/y 6alrloe by the due ter, owdYM tor, Moored paymsra fees, adr ddy m4 rd by tlr nnrb« of days h tlr blip adwrroe tar and cry «Mr br ,cared m y«r S Dbsa rob apply to busNwss mrerodt and secoums p m O pe m murbtp m a dry bad,, dam may be a account. You am amF N - for owe arrlolrat vdMlter coos usdarlos betwarl ilia oslnldbrl and tlr emrrum of dry appear an yam armors, K de IkM wu nepaet to ?OnS aI I I knkamadm pdwey pmtecdm: tom cow Arno, dwpe aohr8y,,acrd dos tl at www cm kdon co h N o . s r acmart «t . p e. m ay am ammd woeeprm m b. If the cads Z « N ?pean m lhs Lam of 7Ne troolo Trent your rsgreat to doss to actors wtk in caPnd Otr a a twice r? rMa merle of Capital , m. r N = . Y T.. vw rmblply the dlarpr apperkp m Yar amount Kmr wu law Orte, Rnindai CaPomdon. A71 dorm maenad a 2000 NN q sr Mrsee"' Ps you oral m u v j be endued to Your ,,cant as of 1t- buatwa day ns mosiw h, =CF W () you sad sir bo0an prd,- of tNS nat«eent rd yar drek srlwlape and W yatr b tsedved h ar poarirp cwssr by 3 io. EF (12 T). Plree row K Ird M 16J bmiree days for prtd our chive Papaws, mcetl d by us K Kry odppmer blur «IpneKptay oltrr tootym?a«ydnot be eymoouted- r of tle day vw mcd?a thorn. pr buitew daya.m M y Wmdu Salyday delive. e(ca sOtor urn d q# 4 i wlhorksdm ?pYlwwmead fixb 1eAmcelwderel w a etedcW, Ym aWrdze u m maioe a an?dw dse0«ie vast- deMt itan bWc Y'' us to make a cMtp papal your bank aaccus uslrp to cMck, a paper Daft « ooh«hemp bWp cycle own N sent by smr«r at-. It vn cannot proar tM vaster, you aWrdze C-W C. what's in your wallet?* TED F SURD MAKE A PAYMENT. AND TAKE CONTROL 060 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 fig check by phone service or speak to an associate by calling 1.800.955.6600. 0 2W Capita! One Service, Inc. Capital One it a fide fly rq tered service.,k All righu r..d 060-07754 Accowtt S klevrotls balance $1,287.70 Payments, Credits and Adjustments $.00 Transactions $35.00 Finance Charges $32.08 New Balance $1,354.78 Minimum Amount Due $354.78 Payment Due Date October 27, 2006 Total Credit Lim $1,000 Total Available Credit X00 Credit Life for Cash $1,000 Available Credit for Cash $.00 PLATINUM VISA ACCOUNT 4862-3625-4215-4094 AUG 28 - SEP 27, 2006 Page 1 of 1 Payments, Credits and Adjustments Transactions 27 SEP 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 sufficirm payment in the next 60 days, we'll charge off your account, your account is reported to national credit bureaus as charged ofd it'll have a serious impact on boar credit record. Please don't let this happen. You can prevent any, father damage to lour credit by paying the amount due on your abatement If you're feeling overwhelmed, give us a call at 1.800.955.6600. Well work with you to resolve this matter. NOTICE. Look for a new statement design for your Capital One credit card beginning next month. A surnloary of the key changes will be provided with your new statement At yow service You were assessed a past due fee of $35.00 on 09127/2006 because your minimum payment was not received by the due date of 09/27/2006. To avoid this fee in the future, we recommend that you I. aU Cart- Rde - or to r pt a tot or stolen w* allow at least 7 business days for your payment to reach Capital One. 1-800-903-3637 Send payments I. Send inquirise to Attn: Relnittanot Prooeaaia$ Capital 0-Bank Cyit 0- P.O. Box 70884 P.O. Boa 70285 Chadotte, NC 28272-0884 SLC, Ur 84130-0285 Important Account Information Beginning October 1st, 2006, based on your account activity you may be assessed more than two late, overlimit, or returned chxk lees that occur during any billing period. Finance Charges Pkore w rewren kfor ialpartont iafandwn +a Ad- Tr'- 0. P? PR WE la rAs PURCHASES $1,30115 .07%XP 2&99% $3208 $.OD .07942%P 28.99% LOO ANNUAL PERCENTAGE RATE applied this period 28,9991 PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 4862362542154094 27 1354780100000354785 New BaLme $1,354.78 Minitmtm Amount Due $354.78 Payment Due Date October 27, 2006 Total enclosed $ Aooouat Numbs: 4962-3625-4215-4094 Pa arpArt.lramr?rrr.ay r?aald?rrbdaw-a CR--M k ak west Apt s chy Srr 7TP Hone, Pun- Nmmm Phone P?u7Addtls #9027176529165100# MAIL ID MMER Capital One Bank TED F BURR P.O. Box 70884 1111 gill IIIII1nlI1n1 a 1198 SHOREHAM RD Charlotte, NC 28272-0884 CAMP HILL PA 17011-6135 ?_ b It'll 1111111111111'Billie Hills Is I Is 1 1 1 lo llrl to 11.1.61111111 O 1111IIIIIIIII 111111Il111111I I111111111111IIIl1Il111 l l l l gill 111 Pkwe wrteyar Amustamnberaryorvcbmio moneyordaaladeepayablatoCapitdOa Bantmrd nailiatlxearlaredenvclope. r :C Z aaa? t? 8 0 o? M n08, 1. Hew To Awid A Fb- haw. ta. iese Wled. You vN how a mNNaan pace period of wrape dory balance for the burp psdod oovnd by thh nataman, we thane 1ne -count if it Ihp a allsdy been closed. Fial if - I. s msThrK 26 davrFlru rWaa drgs on raw pudwp, row n rhsvv apadal Fulness rd new odher each aapnerd each day, add arty nnw =r - = ==. reetbh lrarhn tls =W r , drNp H Yaz MY Your taal 'New Salarhts-, N areordarhoe wbh lha knPort+rd Ndlm fa a rnards below . . asphtsq, wd subvaet arW pa?nont? a credits. (H yr Dods N apps?n on the Boon of tldo t t ' " aer<ua hr bean ceae4 Yar a a =., the arneud o{ the daps vA be added to y nt, p y , ad h tine for itm M aadgd by your near atetamem c l s a emare road m we oho BYarw:a =;=To-l subs act anry urpsM Arwhoe the balsas be rrporrbb for paynwtt. If =:=.. rrhaMaddp fee fo your aceatad the f ee wN corwka p rq Nn. Then b no pace Padod on cash advances h addFNn, tfnere b no pas peNd - of each pynsd.) TNa piwa tr I tltly lwfor of I ppnam. Tzwh, ws add hhp N the d•YV bNrheee pdh , s mbe dwped, to the gmnt acatrd belmhce hp been h lull r d 8rrd b iruar.9erh H you do not pay the tool NSw sspman fir yr bsbq pound sound d W the low raahbr of Nye N 1M blYrhp pmbd Thh iwo u the a a ove, 7. tAYh? rev Aeoant.vov uad or account cannot be l ::: !: h b. AMiihp Fipw Clhryo. Tunheacyar wldfi aro rot atlhJect m • pas Period aro aaupW Arhanhes dwpe 1) g • dory balrre of each seg neon. 3 AraW ireadapa Ilnp fAPRI u n . n wp ary htentm gaanb&p traruaetlar. 8 ban the dos of the trarraWon or 2) hone the doe to trsr b Phecspal to your Account or 33) ban the . . A. The nn 'Maul PwrnaRe Rats' mh+v appear as APR- m the find of via eat hh d . Ilollae Abed Elaabenda:7k Cotwaabn. Nmnern you ==a dhedt p peYmaw. you asheNs u eglhr ro cd . Ad t a edadr t did h t '=WF w s . b. If the code (Cmdiicata p u nWm noon Wtr dret to make a artlme elm, nk "c t e BYro Ban tlr no pay _? pr qu o t M to accrue to Yar nrpaid balan a tear thatha hWres b paid NN k/. ?ahkurd PhNe) ipPeare maa S tlspfipnbddeof mr?a?o Wdo? rat°W, tlr rrtpstated rand to ANML4L P6iCBRAfiE M'iP5 Pr #= dad tra o. When we = ua yqv erck to snake on abhen THS mew that you may so owe fi ants cups, wan H d an the ttad of Pay ds wsw =W= " b - - may wry 4rdedy andmay Nawp a decraps loped on tM stated N3op, as land h 7Ae HUI30wf fud ttarir, fiMa be NWa aiand p soon As tl?s sap s fees your bank day m Y° your P•Nwd. rd K recNw your check bade Ban yaw ammnrwd . d y akq ham, did not =f a yr pheNOhr ahordh. UiPeid Alsrhp w 'W Joan* pus tlr ereon miry decopd m You Thep vN b onthe lnat day a yohr =: your fkhrhdal L a as the ppwd of yqr A? n e Mtlrmmh Fkhaweapp?+bbFa each t . tLaN• b?no period thou your aoreuh[ b to • rrnao dr s • nhkhimm oow? by ? ?anad endrq N tM mahtlr Jrhu Apra - and oneha. If h d 1) rF n SLUNG RIGHTS SUMMARY (h Gn Of Frtas Or puyMar Ah Y BN) ry , tool iil$MdC6 C31All0E of $0.60 wN be knpopd H the toml itrce t?stpe roa?8? Ban tlr appk?floe a c. t e co e pd (1? o. LiBOfO a O (3-mo. UBOR Rapdon MomHyd re on the f ra of you sutww n pd m yr pMohfe ran(a) Os psdo dc raps Ii you mink you Nk h tW o a if yet No nsro Nfiroption on a innectbn a hN, write to u on a aep•nu alwt p won p popble •t tths ad ,kdr 1 pahfidk rttteW hues tlrrt $O 60, we xi/ rldrsd tlha amour from the $0.60 mhknwh and the afbrwm vdr be and opra?w?q AFMUAL PBICR AOE RIT ES mry wry nhahdiiy andm•y Netear or deae•sa b d th ep a bpddp aiswh on the fiom of tHa sutan n mtrt h hNed m tha pacer sgnr? a atanh N Flrs• 6=;: Ws att. tnetv t' d lh ase on e sated fihana, as fiaad h 7Be WaF SYreit Jorrtre( pkr h °rBomyvJidh ou no hmr yrh Bp hadaww aBr wa aont you the Ara hir on yr crown a pnbian appprod. You ran a a 11#4 to not awes rhy paid or al lIn- drrpn for any Rhan t e nvr?n ptaMarly disclosed to yott, Thsp dhripee vA be efleed" on the AM day of you brrrq Palod each AWNWIL call our 4utanu r Rai nmber, ddnp bu w to not p e?? yqr aorta. h Youw bnr, yes u the fillohhfiq 2. Awap• ?F 1 rtes Now pvYwpl. a. Fame Wqe h ealaLVd 6 y mhdtlplyirhp As daily 4. Aw aprt N Laa?, OwiNt and Returned Payment Fees, Vov aceoud thou be apansd no non th m tt f th t I n and amaaht of etrpeemd am, Necdptlon the ertor balance a each sspnrd of v a r ad:ouad -, .,Dean ( ?, pnadhsr, special trarM and apadd psdhw) w o e ees Road hen hurt char dhefiq RRnR parlod lfihdsr the terms a yar a.temr apeaarty nr bht we maw n cod to end an aplarhetlm, H poepde M Wry nest on ohs an error or if you need noun +rtlon, a the Nan c Proh'bhrY dNy pshdodc ism(y lint Ihp loon dsk At hip ` m you the and of each day hR d i y paby aPp1Y rob for each , vvalw or not to ape arty by vJtlwt aia notlAutlon to W Unuf vwhNhp our add to aasep the pons a simr pe at ¦ lour Arnhs yes an own lan. You do not haw to pay arty N vdie vw aro h, hn vat anasn ro •M o ab to 4 paY 1Bs pon• an no N y pprrrlt d your aorant m dr d W y Wnc?e of eedh astTmam Than at th f M hi d b , S. Y. . Araud. H a nrmhsrpdp Bs ques an. rw Nvpfloste yes grlhah, tw tract repot you as deFnghuM a uke my anion to etlbct the . e an o t p Pan d, hts add Lip tlers to . the asks of thews dally calode n yar smin P eh i oa c th. d •pppn m fr font of fhb stammem. You haw 30 NYe Boon the daft dis etauhwp wp maNed myou to f soused you qupdon. ta u d b ftam each eeptwK to at t he mM pedo if You unoal Yas ee a to axoud. DurNgNtlia Dedod. Wu toucan i.t SpedY File For Credit Gad Pecfrep tftras carps br yev aorntnt To get tab Ur doll y balacs Ta each aaprwet of yet? aaeatstr, tba renal yas ahwhsq your mwuaty If you haw a prablan vft tlr quMHy of peopertYa halafnce fa each seprhrtt and add sauna row twascaime arty tipre tlwpe aaWYmd on yr pravhs , rsRfy mer is by esMrq Our Qalro RWRar Oparfmam end pa ralarre• h M tha y 11, Wou by ad you ha tw dsd You taiyh u oorleCl prohlan Nlth lhe Nye for hunt rpnem. Wa yhan rdttnct rW psyrwhb a tasdb paard as of yha' dry thr ct Nocabd msmMr p feel prior to Or and of lha tNny day period 8. H rw Clop your Aessud. You un to cop nr^ d. Vi: maY hew to clod net to pay the ranakihR eA d due on tB° pnpMy or erAcee. You haw Ws m yhet pQllyd. This less u tha faPerem dory blocs for pct ppwd of X account. Hawes, H you pfd the New ralahme slaw m our M N A yes pwhwd by cNMhR au Clraarnr Rebtlw aD parBnaht. Yau mot destroyYour enAt ced(e) rd pwaelon Grp adytfr pdoe wp mon than $60.00 and fir made In ypr home sun a wltlikh 100 mIW of i y pro ors araurrh•rd ll (a If your row Dalarhr wda z=P:= tnrrsdfar valdrh Pot m a s add •ceasn raw ched earhod N M hir was Yes •eaohwa. If yes N roluhd ?? M hh0 as you na Of wa wen a oPr? mod, service prx ert at service N d p preesas ppllNda art not aa6d m dhe tW halanc?ea. We pn•u Sdzad nines arran0anwu, ew wN oariNr receipt of • capes Your ahrthodzatlon m roa ar en y p s, s, pa res an copend f°Ra^reae of anoun a br+tlgh of pachsp.) adotdam =-.= lres by .clap N the din bafiacp the soh by the rsanhar of y p eernnwd. AdaAanMy, You aacoud hvill not he doaW Al ?p remember to aiph N carrpordare. the days in the mm?d biq =T= yar amt Wn uh you pay N whanta yoth owe u krANrhp my trarrwRar you haw autlsdzad, Ahence capes pen t Does not apply to oonsrnrr lvn uWlt cad accounts aNry= clwpe Your y blblc by ttr ember of Nye N the hip da' , Ar bp, =4W w, merd fees, rah advrhea cow fan sacred to your ; Does as a pWY m MuDuas navrrlsaFr -d accasaa Prlod Ghn to roudihp ph Nay bob, these mry I a valance benveah tli dalathorh and the amass of carnewar/Y ppeeed ..colon. You an ma mmab for these wotsn v.Mdher they spoor m Y'ov aceasd at yet roquea to cop the aeoard a they an khthe Ares etmad rbepum to Capital One W*Pmu ktk zft pdwcy protection: w our wdhahe at wwam w.caoltalateo b. it the coda 7 a N appear on . fiom of this stemman red m 'Blame Roe Appred To: wa rmt* the your request ro does the aceohwe. TN• may read, N hdhsrpp drq m your aocanl afar you haw . CapitN Ors h a isle y end service mark of Cpital On Hnaadai Cwwatiat. rkins reserved. ° 2003 Capital On O 1LGlBAK NfiR halt you mN tow nN be Credited to yaw aooasn n of lhe Wrkrn Ny we nalw h, =1 ) yes swd the Dottam portion a tNS naumrrt rhd noes chec scalved k efwNaps and (2) Yev in rry odbrr loam h . pawO no ° ej' 3 p.m. ET 112 Plow Now et kept M (6) bnkrp days for Poetd PaYawtn naived by w al airyWar loeayan a may not be roAted n of As"hay urn nniw yam. Our bubhsss an y? deh/owrryv Fysats N rs[ has wapln fupst dq sec. vArrh prepwYhs your ps?nrR. Wlrrt yes sad w • y You auyndze u to make a a ?tkp 1-1-1-1 t NqtBom badt Vs. account for yr antoted of the dhwk hTHa aWwrhat(m a{pkw to N .locus reoelvad dukes yr hiiq ryde swan N tam by someone des. If ws carrot pncpe the twnekr, W to mob a cheese •Aakst you bamt atashan uiq the drOk, • poor drag a Wa ham. You audhodze cee p"alow NOT PAYING YOUR DEBT 500013 1 what's in your wallet? DOESN'T MAKE IT GO AWAY. In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our {= 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 davs to keep your account from being charged off. ® 2006 Cspisal One Services, Inc. Capital One it a frdenr4 registered mice mark. AU ngbts reserved 500013-OBSM FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,354.78 - $0.00 + $32.97 + $35.00 = $1,422.75 $422.75 Nov. 27, 2006 Sep. 28, 2006 - Oct. 27, 2006 Page 1 of 1 nEME PAY AT LEAST PIS AMOUNT Visa Platinum Account Your account is six payments behind. ff we charge off your account due to We payments, we will report the 4962-302542154004 charge" status to several rational credit bureaus. Act now to prevent this from happening. Please pay the amount due on your statement or give us a call at 1.800.955.NM. We'll work w th you so you can lake control of Your Account Information your account and start rebuilding your credit with Capital One. TOTAL CREDIT LINE $1,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,000.00 AVAILABLE CREDIT FOR CASH 50.00 Finance Charges (Please see reverse for important information) Balance appheed to Periodic APR CN RGE Purchases $1,371.80 0.08011% P 29.24% $32.97 Cash $0.00 0.08011% P 29.24% $0.00 ANNUAL PERCENTAGE RATE applied Ws period: 29.24% ® At Your Service 1.800403.3637 To call Cuttonar Relallors or to report a bst or sloW card ® Saw Payments to: Capital One Bank • P.O. Box 70684 • CharblN, NC 28272.0884 A Saw Inquiries to: Capleal One • P.O. Box 30285 • Soft Lake City. UT 84130-0285 Payments, Credits & Adlustments Transactions 1 27 OCT PAST DUE FEE $35,00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 7 27 061027 PAGE 1 of 1 COLR233B 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT Ca~QrJe' I what's in your wallet?' 0 4862362542154094 27 1422750100000422757 New Balance Minimum Payment Due Date C$1,422.75 $422.75 Nov. 27, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank tlrrlrrllrrrllrrrrll P.O. Box 70614 Charlotte, NC 26272-0684 Iulrlittle .I'll evil lsllInr6rlrlrrlrrlnl6r6rh111111 Account Number. 4862-3625-4215-4094 Please print address or phone number changes below using blue or black ink. Address Hone Phone ARemate Phone E-mail address @ ;903017652916510541 MAIL ID NUMBER TED F SURD 1196 SHOREHAM RD CAMP HILL, PA 17011-6135 urlllarllluuul6ullrll,nnlhtill III[Ilrlnlnlelnlr 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. TED F BURD I . Hestia' -1 FinermaChoolin, T e. Grace Perlod. You will how a nYmdvwu grace period of 26 dsys wkhart tMnce chnNo n new ptrdhan, raw bakna tnnsbre, Thaer apedol pundheae aed sew cede durgee N you pay your bW'New Selene', In accordance with 6w hnprrrd Notice for Paymenla below, and In tka fcrkb be aadissd by your need statement dcokrg day. Those I. no graos period n wen aNancee and epadol tronden. b sdditm there I. no grace period on any transaction if you do not pay the Intel "Ner balance b. Acendng Finance Charge. Transactors which are not rb(act b • gram perod re asasaed linerse c arya t) kom Nw dale of"kaaemon a 2) funs the dNe the transaction is processed b your Acaunt or 3) kom tlw first rtaandsr dry of the natant b&V period. AddNtowlag f you did not pay the Tier Balance" rem do premolars hip period in full. finance darg" coffin ebacneb your unpaid balance urM Nis unpaid balance Is paid in ful. This moms Nut you meet, e/ ore Mince charges, even N you py der erns New Berhoa Yndirakd n Ms hunt ch your stskmrt by the had "wrest tloelrp dark, but didrd do m for the p-bus mondic Weald Maher dw0os ore added b •w applicable apart dyer Accoutre. I c. Wrhrear Finance Charge. For each blip period dW your aoraut k abyd b a Name dWge, a niYaah bus FINANCE CHARGE of 3050 will be' rWOSed. T d. Terepersry Reduction In France Charga ft reserve the right bred seem any or e *w m charges for any ghost 2. Awaya Daly Babna (tickdng Nor Pwn* are Finance cage Is calculated by aApying the daily balance of each sop an I of your account (e.¢, cash advance, pmc omm, special krmfet and special purchase) by the corapondhro dally periodic role(s) Mat has been WerAosly disclosed to you. At On and of each day dubs the blbp period, we apply t the dry perlodb rote for each seC•nsnt of yw account to the dafybalance of each sagme t. Than at tlw and chfw hip period, we add t,1 tie results of those doily Mara char ter nkdotiaa b arrive at your pniodb age each segment. We add to to rents from each mWneM b wffn a Ins ioW Wadc Here dwge for youragmou t To gar tr dallybalrnca for each saturrrdaf youracmUK we lore fw bp)nng balsa forrah sapant and add any new, kaaadlom ad any periodic Mknce chaps akUaW on the prerbue days baunosfor oreeepme, YW Uhen eubsrday peymraaMaeda posted m d M dy bar are alocmW b fut esgrrwd. This gMa a NIa apatite daily bakna for web esynest of your amount. However, Nye paid the New Balawm shown on your PraMot, eats ant In Mf (or Nyety new balance wea ass or a crdl arrant), raw Ittemedbrr, which podia your pundra or special prdwa segrrwnte ere not added to th dally bounces. We calm" the surreys dry bottom by mhft W the dry Waleson "War and dividing the ern by the amber I the days I. the onwd billing cycle. To planate your IoW Mnerwe charge. multiply your svermp dolly balance byVw dry W-rrate end by tine nuribsrch drys h fw dear pored. Due b erxdrp n a dslybes4 a dy b rMbnam Mena drrge paesrront, tare cosy be a hwunce between this aleWadon rd Me mount of fiance dwpe actually mus"d. 3. Annual Peardaga stays (APR). a. Th term •AnnuW Percentage Roy' may appear a'APR' on 0. front of this am rnrd. b. N the code P (Quarterly Pagw? L (OurWy LIBOR), C (Qu.nady CO), r S (Brkkcrd Fdnn) ¦ppaue n the from of oft stetemwo nod to the periodic raleft the perlodb rase and oomapohyq ANNUAL PERCENTAGE RATES may way qualarlyand mey khoreess or decrease based on No ahead indicant. a bead n The Well Shat Journal, Ida the margin on.-* disclosed 1. you. These changes wN be mood vo on the Md day of your big period covered by your periodic saeesmarr a ding In the montu of January, Apt, July and October. n If the coda O PA." Prins). F (Mc dNy LIBOR), or O (Treasury LIBOR) appears on Os frame of yam stebmmnt nsd to the periodic r oW4 du perlodk Muse and corresponding ANNUAL PERCENTAGE RATES nut, wry rnwnMly and a" khdease or deraaa based on the shoed ledkaa, a lcu d in The Wag Street Journal, ply to nwrgm prevlouayy disclosed in you. These changes wit be eNerue on the Me day of yam billing parted each month. 4. Asaaaamaot of Lay, Ow•ndl aM Retained Psymmd Fem. Under the true of your aalomer agraamso, we reserve the right b v"a not to sans any fan without Ping, nof 6atlon In yon yrhe wrNYhp our right to **am the ameasknirbr eta hortimna, T S R@aw ak,g YWwAeemaL N s m bend fee spposn m tw from of yam steamed, you hw 3D daysken tw dark this erslnrnsnl wu malW b you b shmid psyip •w fare err b hw surh M aedNad b you N you cancel your acorrat wkhou hiwkg in pay th Mme de hipfee.Th cancel your acres, you roue nosy w by cling our Cost- Rdroce Dpann-0 and pay your Thew Balrnos' In gull (erdudrp the membanhip fse) prior to fw and of do t ir"" period. S. N You Cleo Mar Amount. You an request to doss your account by eaHn g our Cuabr or Relator Dapamnon6 you must destroy your uradt card(s) and -occurs acm duds, rarhM r pernahdized biWp and cone using your account After your regyst to does. N you continue to Yarmach or do nor wide presWwrbad biting aangeganb, we wed mrridrrecelpi are dwrge your adhrmtlon to keep your account open. Additionally, your amount war not be closed uml you pay r amours you awe a including, et, bnssclaw you he" authorized. fkwws charges. Past due fuse, omdimt bus, returned pays" bee, cash le"m ilea and ay cow bas aaaaseed to your account. You re rempo sida for these ernmas wtnMr tiny eppm n your soodat M Ve Vane you request to roes to acmtam or they are vaned subsequent in your square to doss • e account This mayrerak in dhaga apper, on your account offer you have requested the amaurn b be dosed. 7. Using Your Aecourd. Your card or account cannot be umd in oonnedbn with any Internal ger bing transactions. 6. Notice AboW Elarionk Check Conwrakn. Whom you povids a check r poymrd, you authorize us other to use antomaicn from your dark b rtwka a onaaima afeaonk hold trrnsferkom your bank account or to process the pymat as a crack transaction. When we use led ?ti? from your At*& to make on ola irmic lead may be wiMorawh ran Your bank account as a" as the soma day we receba your payment, and you war not reoehm your chrk beck froe your Handal hedrdn. BILLING RIGHTS SUMMARY (In Gas of Errors or Qaatloa about Your BB) N you ahk tear hit Is %mq;, or N you need more Information on a bauadion err but. wr•b b y on a apes shoat a soon as possible at the aid- for Irquiriea aovn on tr front of this aaknunt ft must how from you no War than 60 days alter we tad you to Md big on which the armor W blan Appeared. You con at our Cusbnrr Relation umber, but dakp so will not paave your dWs, In your letter. Sh's us the folowing kdcnnodon: your ante and account nrrber. M dollar smut of the suspected error, a description of the error and an e*mnolM N pom*b. of why you babsw two Is an er , or it you need moo bkrnwfon, ¦ tlaeofpion of the it.. you am urrurs about You do not haw to pay ay amount in gws•n while we an kwntigolhg t. but you arm aril obligated to pay the park of your bill Ma are net in gnwmbn. Whdb we bvaageta your qua6n, we cannot report you a dWhxp and or tabs any shown to rated tla amore you question. X T Spacial Rita for Credit Card Purchases If you lave a Probison with the quality of property or cervices that you purchased with a rndN cad and you have bias in good laith b mrreci fh pobbm wilh fn was. you ray haw theright not to Myths rennelohg amore due on am Property or senAoss. You haw Mis Protection only when ft prance Vice was more than $6808 and ft purchase was wank in your home stets or within 100 .list of your rr.ft address. (N we owe or operate Me rwmhahL or N we coaled you the atlwrWamant for the property or asrviaa, all Purchases are awed regardless of -01at or location of purchase.) plan remember to sign all correspondence. T Does noteppy A. cam umner noncadg card me-unt, = Doer not apply 10 buekwa nwfcmdf card scoommix Capitol One supPab ichmrnrtion pdrey probdiap: --r webale at N Capital Oft Is a federally registered Service mark of Capital One Financial Corporation. AN rights removed. 02006 Capita One OISC6o68 - 6 -120M16 bkrgaen lapadNo w: PwimakymmdbWwNbscdedbYcmmaamsrwdisp tobu*es dymnontpmMW(t)YossdMe wdfsbWNMadYowdnbtwrdrWadao and(2)yampayasa k meshed in orpaes, onus by3 pia. ET (12 roan PTJ. Radiational had fa (a)kaasdote lopalaldrwy. Pymaaraa*w d by W er wry c#WkodW red any d wform may rf he cdr a off dsyw moire Mars. Oabe*-drys-Monday 0=0 Saasdoy, marct13np hsldys Pisses m col Inskpis, psachps, mkwM PRerbp ycepyanst YMes yos eeW r a dwi(mG yos otAlerks u ienrlm m."mm slacynb Irrrhrgferyan ywbad aorntforfr ernanas dM. drdk. ilia adrmtrata spbm b r dais nabseduep Ms Gip ggvkf mw fssaby senesaahe. from esmol prows er erred, You autlaMS u b coda ¦ darga apalta tear bsk scant Wag Yw dnarlc ¦ pyrdrM er how Item. I First 3 months half-price 9? 4¦ month; SSIGN UP TODAY: 1-877-7781207 Mention Offer Code: QUARTZ or visit www.peoplepc.com/go/quartz peoplepic- online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half-price for the first 3 months! 19 Email Virus Protection ® Pop-Up BlockerTM Spam Controls Smart Dialer 1-246 Phisher Security Internet Call Waiting FINANCE Previous Balance Payments b Credits CHARGE Transactions Now Balance Minimum Payment Due Date $1,422.75 - $0.00 + $35.79 + $35.00 = $1,493.54 $493.54 Dec. 27, 2006 .?•. Oct. 28, 2006 -Nov. 27, 2006 Page 1 of 1 KEW MY AT IrASf 11es Amw Visa Platinum Account "Important Notice- Udder the tens we previously disclosed to you, your account is now eligible for an increase 4862-362542154094 latinu Acc in Annual Percentage Rates (APRs) effective immediately, However, Capital One has elected not to raise your APRs at this Ome. Please be advised that K you fag 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 $1,000.00 TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $1,000.00 AVAILABLE CREDrr FOR CASH $0.00 FFInanceCharges lease see reverse for Important informat ion) ate Periodic Conesoonding CFIE HARGE 41.10 0.08011% P 29.24% $35.79 $0.00 0.08011% P 2924% $0.00 E RATE applied this period: 29.24% ® At Your Service 1-80041033637 To callCustomer Relad m ortoreprt a lost or stolen card 0 Sand payments to: Capital One Bark - P.O. Box 70884 • charlotte. NC 28272-M A Send inquiries to: Capital One - P.O. Box 30285 • Soft Lake Cky. UT 841311-0285 Payments, Credits 8 Adjustments Transactions 1 27 NOV PAST DUE FEE $3500 You were assessed a past due fee bemuse 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 27 061127 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT /?,,.,a?,,?? 0 4862362542154094 27 1493540100000493545 ?®I^saa?' I whaYs in your walkr7• New Balance Minimum Payment Due Date $1,493.54 $493.54 Dec. 27, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed C:? Capital One Bank 11111111111111181111 P.O. Box 70664 Charlotte, NC 26272-0664 1u1r11sell II r11ne1111r111raIs II II Is Is I II III111111u11nr11 Account Number. 4862-3625-4215-4094 Please print address or phone number changes below using blue or black ink. Address Home Phone Alfemate Phone E-mail address 60 11903327652936510041 MAIL ID NUMBER TED F BUR) 1116 SHOREHAM RD CAMP HILL, PA 17011-6135 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. peoplepc® online u A better way to Intemet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: QUARTZ or visit www.peoplepc.com/go/quartz PlloplePC is not of Hated with Capital One and Capital One does not provide, endorse, nor guarantee and is not :able for any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this off, you may be communica9ng Information about yourself to the company that provides this product -for example, that you are a Capital One customer. 'PeoplePC Online: First 3 monflu of service are bled at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Otter subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll free at 1.877-7784207 Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply Tdophone toll Charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers win resrdt in telephone toll charges. Access may be Nnited, especially, during fines of peak usage. Dial-up numbers may be changed at PeopW'G%discretion. Continuous use subject to *nSDUt procedures. AN use Is subject to PeoplePO Online's Services; Agreement and Acceptable Use PoNcy 56K is the maximum speed of service; actual speed may vary. O 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. C 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 1. Noe, to Mold a Finance Charge. t a. Grace Foiled. You War haw a mnNnrm grace par od of 25 days weed Rrnre charge on raw pardheses. raw haerice irarulera, maw spider purdnres and new otlr charges Of you pay your Rod *Now Balance, In acooMenw witchbtiro rmprlad Notice for payments below. and In wnefrkb it by your nse dwasmad closing dole. Then is no grace period on cask advances, and special handles. In addition, lean is no grace period on any transaction r you do not pay the bW'Naw bWnce.- b. Aco ung Finance Charge. Transactions which an not subject b • gran prod are anaard Meng large 1) from go dos of On ssnaactisn or 2) from On do. this transaction is processed to your Amount or 3) kern the first calendar day of the aaraw Wing period. Add m% t if you id not payda'Nna Balance' from der pravnw beep period in fur, Rance charges coidnua to sooka to your unpaid balance until Vw unpaid balance is paid in 16 . This means the you may 60 owe fMroe duhess, even r you pay the edict New Balance Indicated w der two of your 00ormd by the nod AsWmwt closing &M, but did not do so For 9. prsdoa monlh, ttnnpatd finnnca Mra Bargesen ockl d b the appkpbia nWrww dyorAecoU t. t' . Aarwmaa Ftrrw Charge.Fr each Map period Mst your accent k ad*d b s Marw dnaga, a mYJmum goal FINANCE CHARGE d$0.50 Wa be bposed. t d. Temporary Reduction n Fbm,ce Charge. We reserve ft right b not essaes cry or as Inane charges for my gWen tiling Parfait. 2. Margo Only Bud rrsa Gainer now Wuchaeaa? Fwnce doge Is Gab,atad by n¦ilpyig the day beldrua of each sagment of your, account (e.g., cash advanca, purdaw spade tanker, and special Machine) by the mrrsaporadig day periodic rate(s) fiat has been PreMrny dark' to you. At the and death day drip der big period, we apply the daily periodic, role for each segne nt of We account to the day balance of each sagnaw. Than at M and of the baling prk, are add up tla mft d ease daily caloAdlo s b rrho at your perlode kranos charge, for inch, segment. ws add Lip lho results *am each eo p m b afire stawbW pedadc finance dirge for your ascent To gel the day below for each sawnent of your mock.,, war We to bapkanng belace for each segment arid will ay navekansedbna and any periodic Mew chrpa calo,aled on ea pnvlow data bares for Ms ofdM deed clanarbasd c psymar,a that rsegment. vela pmled dat tike an hin r s This 9N" w ft separate day Wynceo f fe Baal segment nrt of d your amount. However, Syou pad ea New w earw shown on You Previous awwowm In all (r Mycur caw baWros was zoo or • andk anwud), now triesso ens, which pod b your purchase or spo is purchase sagnnana act not added to the defy Wsanoss. We esvAab tla average daily haterce by adding as the day baferes together and dhidng tlw sum key tM n..rlhel d Ma days b tlw Arrant bileg ryW. To nloAala your Iola feam,te ohaga, n,naliply ym+n+rage daity balmoe ty1M daily pedock; one and by 1110 number of days In ft being period. Due lo rounding on a defy bask or due to nYNram Rance charge eseesanant dire wry be a varense bduwen tida calculation and ft amount of finance chrgo scka0y ansand. 3. Annual Percentage Rafts (APR). a. The rm'Anrws Percentage Rob' may appear as •APR• on IM from of this summers. b, k Me coda P (Quarterly Prima), L (Quarterly USSR), C (Quarterly CD3 or S (Bor,orard Prime) sppeans on the front of this statement neat to tM parodic rose(s). the perk do retail and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and mry bveue or davea.a bawd on to rand radices, as band in The Web SUM Journal, plus tin margin previously disclosed b you. Than dso cell be aarthe on ea fire day of your big period rased by your Periodic saanan writing in tier monma of January. April, July and Odobw.. c. If the coda D (Monthly Prime), F (Mowdy LIBOR), or G (nnaarny LIBOR) appears on the firm of your satowsm card b tM parbdtc rae(a), 11hs peAOdk rake a d corresponding ANNUAL PERCENTAGE RATES may vary rnonMly and may increase or davaas s bond on he Mahal Indkes, es farad In TM Was BtrM Jo.nld. pan der margin previously, disclosed b you. Than changes wO be ararJiw on V. find day of your big period ash mci 4. Assessment d Lase, Ovw*M and Rationed Payrsent Face. Under the arms of your aalomer alp ...K - rssarw Ma right to mho or not to none any lees wshrn prlornoeRntlon so youwhhokdwwNipordy/wbanion tlm acme r akntiarian ol a leM alma. t & R.ruarn0 YorAccoart e • membership foe sppsara on Ms hat dyru W1en .M you have 30 daysfrom the des this observed was monad to you b avoid peyfg she yes or to have such ses redied to you a you conc.1 your account Without haWm to pay tha rearaborship fee. To nalw your arara, you need ndly ig oouurr Custom Relation Department and pay your Tow Balance' In ful including the membe ship fals) Prior ho ft and dlha MHydy perk. S. N You Cosa Your Amount. You can request to dose your scmum by pang our Cuslimer Relaam Depamant You must destroy your oadl cad(a) and nomad access dads, carall as prarllhodced big and ones using your account. Allar your rguast to does, R you mnwine to Versed or do not cancel Pmatdwimd big arrangements, we wil considrncaipt der dirge you outhorts ion n keep your akoourd opan. Additionally. your account will not be dosed and you pay all amounts you ours us including: ary uansscdm you have audlrRad. finance changes, past due teas, i nimit fees, monad payment Now. each sevence fees and any oerasaa a-nnd b your account. You are responsible for Man amords Wagner Ithey appear on your account at the leer you request to dose she account or May are Incurred arbaeguant to your request to rose fa account. Tin mry mW n drgsa appsang on your account offer you have napanled 11ro akmua b M dceed. 7. Using Your Account. Your card or account cannot be wed in connection with arty Internet garWRng transactions. S. Notice About Electronic Check Conwrabn When you provide a dock espeymed, you auMarize ua ekher to use infrmalon from your dwck to mane a online sisehonlo find transfer from your bank a wurd or b process ft payment as a check tmasalon When we use information from your check to make an ekctronk: fund Vender. funds nay be waMnwn from your bank artrount as soon as the sine day rare rerelve your payment, and you will not raosivs your check book from your financial kstMlim. BILLING RIGHTS SUMMARY (In Can of Errors or Guatlore, about Your BB) If you think your bar is warp, or if you rend more Information on e transaction or bill, write to us on a seprats shed so soon as possible at Ma address for ingdrtes shown on ft front of" statement. We will how from you no War pan 00 drys afar we som you tiw and bib w whkh she rnor r problem appeared. You can call our Customer Raiedons number, but doing w WN not Wasrve your rights. In your teUr, giw us tier folkoav infrwtbm your name and aomud n~. the Cdr amount of the suspected ancir. a d*wApdm of the arincir and an explanation. possible, of why you believe Mrs Is an errs; or if you reed man information. a description of tier item you en unsure about. You do not have to pay any amount in question while war an Investigating k. but you rs sq obligated to pay the part. d your bar to an not in *motion. Whin war nwWgate yr+4aaan, war cannot repot you as delinquent or take any sags to oiled the amount you question. t, t Rule for Craft Card Purchases Myou hems i a problem with ft qua" of property or savicas that you Purchased olh a redk cold and you have tried In good faith to coned Me problem with to nrdwr, you may have the right not b pay tins rrnsnig arrourd due on tier papa y or serAces. You have We pofadkn only when der purchase price was more than $60.08 and to Purchase on me& In your how side or %#Nn 100 mike of your mel ig address. Of war own or operate tier merchant, or It we nWled you Me adverasemem fr the property r services, as purchases are cc, a regardless of ¦mr.d or bairn of purchase.) Press remember to sign all correspondence. t coal nob sA*to consumer -oft card accounts F Dover cad apply to bWeasa nro oroMf card amounts Capitol One supports information privacy prplinsion: ses our wabake at ,per, Capital One Is a federaey registered srNce merle of C40M One Financial Corporation. Al rights reserved. 02006 Capks One TC-0e 01 BCW56 - 6 -12alM Inper. Rolle: Pryume. You mi lo w as be cradled byon a..ad as des berarday-retie a, pleaded (1) you and as bsara price dark stabrrdard you rind In Be robed rnnnce - rdp))ckpay t is ,*.it In errproowanc.nr by 3 p- E (12 cam PT). Row Most West B.(5) brims, dsysaload dirt' pWarm in" by a at any die beaw am ay case form mgml to anew erda as day se wroha Vale Srbilk- days M Monday rasspe seba cq. rWNig sdlaya Plan dacal-alaph., prprelp, sic Win . npryturpaynrA 1YIan yr anduadrdn(s), )our aulsriaubtMa¦onelnr drlrtotaralyddk*=yvrbrtwwAlraswvAOfaach.dLTWrdablrarl*p bddmb harI driphbig gde.aa rod bywawa¦.a. rw. cr.hd poow ace k..Rr, you wWwme u b mda .doge ¦gYM yaw bra.ow.u wg ace duck ¦ paper daft or other Ism. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, he is an attorney for the Plaintiff herein; makes this Verification based upon the facts as supplied to him by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within the time allowed for filing of this Motion, and that the facts set forth in the foregoing Motion are true and correct to the best of his knowledge, information and belief. WWR No. 6507742 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiffs Motion for Summary Judgment and Brief in Support has been served by U.S. Mail, Postage Pre-Paid, on tiNay of , 2009 upon the following: Barbara Sumple-Sullivan, Esq. 549 Bridge Street New Cumberland, Pa 17070 By: PA P? 598 We an,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 W WR No. 6507742 t? ?','?, y ^r T r,.? ?..,,, C 1`rj ?. `; ? : !7 ?? :r; . .. w °, R.# r,,,f 'fi1 "r: CAPITAL ONE BANK (USA), NA,: Plaintiff vs. TED F. BURD a/k/a THEODORE F. BURD, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 08-3087 CIVIL ORDER AND NOW, this 11 r 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 $2,090.86 with interest at the rate of 29.200% per annum from April 11, 2008, plus costs. BY THE COURT, Kevi A. Hess, J. /enjamin R. Bibler, Esquire Zarbara Plaintiff Sumple-Sullivan, Esquire For the Defendant :rlm m l? t- t ? [$? FLU dt 1:J Li ?i -- C7, tz j 0 I. • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. Case No.: 08-3087-CIVIL TERM TYPE OF PLEADING PRAECIPE FOR JUDGMENT PER ORDER OF COURT TED F BURD AKA THEODORE F. BURD Defendant. FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler, Esquire PA I.D. #93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 6507742 1s 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. TO THE PROTHONOTARY: Case No.: 08-3087-CIVIL TERM PRAECIPE FOR JUDGMENT Pursuant to Pa.R.C.P. 237, I certify that a copy of this Praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. In light of the Court Order granting Judgment in favor of Plaintiff on March 19, 2009, kindly enter Judgment against the Defendant, Ted F Burd Aka Theodore F. Burd, in the amount of $2,090.86 computed as follows: Amount Awarded per Order: $2,090.86 Interest from April 11, 2008 to April 22, 2009 at the legal rate of 6% per annum: $0 TOTAL: $2,090.86 Attached is a copy of the Court Order in favor of Plaintiff for Judgment. WELT =14BER IS, CO., L.P.A. By: Benja in . ler, Esquir PA I.D. #"398 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, 2718 Koppers Building, 436 7d' Avenue, Pittsburgh, PA 15219 And Defendant's address is: 1198 Shoreham Road Camp Hill Pa 17011 WWR No. 6507742 CAPITAL ONE BANK (USA), NA,: IN THE COURT OF COMMON PLEAS OF Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - LAW NO. 08-3087 CIVIL TED F. BURD a/k/a THEODORE F. BURD, Defendant ORDER AND NOW, this 11' 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 $2,090.86 with interest at the rate of 29.200% per annum from April 11, 2008, plus costs. BY THE COURT, Benjamin R. Bibler, Esquire For the Plaintiff Barbara Sumple-Sullivan, Esquire For the Defendant :rlm 209 KIA Z) #I L, J + 14 oo P o cv-* 4ol 8OM pn aayjol9 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. TED F BURR AKA THEODORE F. BURD Case No.: 08-3087-CIVIL TERM Defendant. NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendants ( ) Garnishee You are hereby notified that th foll wing Order or Judgment was entered against you on (xx) Assumpsit Judgment in the amount of $2,090.86, 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 Ted F Burd Aka Theodore F. Burd 1198 Shoreham Road Camp Hill, Pa 17011 By: &4kq_i,,4a PR ONOTA D UTY) WWR No. 6507742 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 Case No.: 08-3087-CIVIL TERM Defendant. NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendants ( ) Garnishee You are hereby notified that the fo owing Order or Judgment was entered against you on (xx) Assumpsit Judgment in the amount of $2,090.86, 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 ByAO PR O *(R UTY) WWR No. 6507742