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Home My WebLink About08-3697IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff V. CHRISTOPH B CONA Defendant(s) NO. 06 -,307 8 *0i CIN CIVIL ACTION Filed on behalf of CAPITAL ONE BANK Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PF PA_1 I Cmplt Cvr Sht P&F File No. 07-30159 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff V. CHRISTOPH B CONA Defendant(s) 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 GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 PA 21Notice to Defend NO. Usted ha sido demandado en corte. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar accion como se describe anteriormente, el caso pude proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demands o cualquier reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME 0 VAYA A LA SIGUENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIES QUE OFREZCAN SERVICIOS LEGALES SIN CARGO 0 BAJO COSO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 P&F File No. 07-30159 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff V. CHRISTOPH B CONA Defendant(s) NO. Oy= 34 47 6e&-d 7, AND NOW, comes Plaintiff, CAPITAL ONE BANK, by and through its attorney, GREGG MORRIS, ESQUIRE and the law offices of PATENAUDE & FELIX, A.P.C. and files the following Complaint in Civil Action, and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK, is a corporation and for the purpose of this litigation, maintaining a place of business c/o PATENAUDE AND FELIX, A.P.C., 213 East Main St Carnegie, Pennsylvania 15106. 2. Defendant is CHRISTOPH B CONA, an adult individual, believed to currently reside at 4902 CARLISLE PIKE APT 248 MECHANICSBURG, PA 17050-3079. 3. Heretofore, the Defendant(s) opened a account with Plaintiff being Account No. 5178052602916641, for the purchase of good and services. 4. The Defendant(s) has/have made or authorized a number of purchases and as of October 17, 2006, Defendant(s) owes $1,521.76 on said account plus interest at 28.10 %. 5. Plaintiff maintains accurate books of account recording all credits and debits for this account. PA-05 Civil Cmplt Crdt Crd P&F File No. 07-30159 r 6. The Defendant(s) have/has received monthly billing statements from Plaintiff setting forth the nature and amount of all charges made by Defendant(s), and the transactions between Plaintiff and Defendant(s) give rise to an account stated, upon which Plaintiff has relied. 7. The Defendant(s) made payments, but have/has refused to pay, and now refuses to pay the balance due and owing on the aforesaid account in the sum of $1,521.76, plus interest and costs. 8. By failing to object or dispute the statements, Defendant(s) have/has assented to and agreed to the correctness of the balance due on the credit card account so as to constitute and account stated. 9. Despite repeated demands, Defendant(s) have/has failed to make the required installment payments when due and therefore the full amount of the account is now due and payable. PA-05 Civil Cmplt Crdt Crd P&F File No. 07-30159 WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the amount of $1,521.76, plus interest as set forth herein from the date of breach, with continuing interest at the legal rate thereon from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respectfully elix, A.P.C. Date: E. Main Street Carnegie, PA 15106 (412) 429-7675 PA-05 Civil Cmplt Crdt Crd P&F File No. 07-30159 VERIFICATION The undersigned, Gregg L. Morris, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed the verification at the request of Plaintiff as a matter of time and convenience. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the foregoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The statements are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unworn falsification to authorities. Date: e g .Morris, Esquire a ude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA-01 Atty Verification . P&F File No. 07-30159 Rs W o ^? V C') r.a C=l C= t? A? LGJ r` ,_ji? SHERIFF'S RETURN - REGULAR CASE NO: 2008-03697 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS CONA CHRISTOPH B MARK CONKLIN , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon CONA CHRISTOPH B the DEFENDANT , at 1355:00 HOURS, on the 26th day of June 2008 at 86 ARNOLD ROAD ENOLA, PA 17025-3079 by handing to CHASITY DEITCH, GIRLFRIEND, ADULT IN CHARGE a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 25.00 Affidavit .00 Surcharge 10.00 0 0 -710 z16 & -'- 53.00 Sworn and Subscibed to before me this day of So Answers: R. Thomas Kline 06/27/2008 PATENAUDE & FELIX By. I-ooo Deputy Sheriff A. D. CAPITAL ONE BANK Plaintiff COURT OF COMMON PLEAS COUNTY OF CUMBERLAND PENNSYLVANIA NO. 08-3697 CIVIL TERM V. CHRISTOPHER B. CONA Defendant : CIVIL ACTION - LAW DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT TO: Capital One Bank c/o Gregg L. Morris, Esquire Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 NOTICE TO PLEAD YOU ARE HEREBY NOTIFIED TO FILE A WRITTEN RESPONSE TO THE ENCLOSED PRELIMINARY OBJECTIONS WITHIN TWENTY (20) DAYS FROM SERVICE HEREOF OR A JUDGMENT MAY BE ENTERED AGAINST YOU. MOTION TO DISMISS COMPLAINT On June 23, 2008 a complaint was filed by the Plaintiff. 2. The complaint's verification is executed by counsel for the plaintiff and not an employee or officer of the corporate plaintiff. 3. Pennsylvania Rule of Civil Procedure 1024 requires that any pleading containing an averment of fact must be verified by a party. 4. The only exception to this requirement is if the party is outside the jurisdiction of the court and the verification cannot be obtained within the time allowed for filing the pleading. See Pa. R.C.P. 1024 (c). • 5. As a general rule a "party's pleading may not be verified by that party's attorney." See Signora v. Kaplan, 33 Pa. D. & C. 4th 219 at 222 (1996) citing 4 Standard Pa. Practice 2d, Chapter 21 § 21:29 and Monroe Contract Corporation v. Harrison Square, Inc., 266 PA. Super. 549, 405 A.2d 954 (1979). 6. In the present case, there is no legitimate reason why counsel for the Plaintiff is verifying the complaint when there is no pressing deadline for filing this initial complaint. Simply verifying the complaint as a matter of convenience is not proper under the Pennsylvania Rules of Civil Procedure. WHEREFORE, Plaintiff's complaint fails to conform to Pa. R.C.P. 1024(a) and must be stricken or the Plaintiff must file an Amended Complaint with a proper verification. MOTION FOR A MORE SPECIFIC PLEADING 7. Plaintiff's Complaint seeks imposition of interest charges of 28.10% and costs. 8. Plaintiff's Complaint does not include a copy of the written contract signed by the defendant upon which it seeks to recover these damages. 9. Pa. R.C.P. 1019 (h) states in its note that "If an agreement is in writing, it must be attached to the pleading." 10. Pa. R.C.P. 1019 (i) states, "When any claim .... is based upon a writing the pleader shall attach a copy..." WHEREFORE, pursuant to Pa. R.C.P. 1024 Plaintiff s Complaint should be stricken for failing to include the parties signed contract. BY: St en Ifowelr, Esquire 19 Bridge Street New Cumberland, PA 17070 (717) 770-1277 Supreme Court I.D. 62063 Attorney for Defendant CERTIFICATE OF SERVICE I hereby certify that on the date set forth below a true and correct copy of the foregoing documents was served by postage prepaid, first class United States Mail on all interested parties or counsel of record at the addresses set forth below. Gregg L. Morris, Esquire Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 BY Date: 0 1 /6 C C r° x1 ! - IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff V. CHRISTOPH B CONA Defendant(s) NO. 08-3697 CERTIFICATION OF SERVICE OF PLAINTIFF'S INTERROGATORIES (SET I) ADDRESSED TO DEFENDANT Filed on behalf of: CAPITAL ONE BANK Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA-107A Cert Serv Interrogatory P&F File No.: 07-30159 I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff V. CHRISTOPH B CONA Defendant(s) NO. 08-3697 CERTIFICATION OF SERVICE PLAINTIFF'S INTERROGATORIES (SET I) ADDRESSED TO DEFENDANT I, Gregg Morris attorney for Plaintiff, above named, hereby certify that a true and correct copy of Plaintiffs Interrogatories (Set I) Addressed to Defendant was served this date by ordinary mail upon the following: Stephen Howell, Esq. 619 Bridge St New Cumberland PA 17070 Date: August 06, 2008 submitted: & Felix, A.P.C. re orris, Esquire 13 MA Street 15106 (412) 429-7675 PA-107A Cert Serv Interrogatory P&F File No.: 07-30159 A I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK, hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Stephen Howell, Esq. 619 Bridge St New Cumberland PA 17070 Date: August 06, 2008 gtqg L. M*is, Esquire at naude & Felix, A.P.C. 2 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA 65 Certificate of Service P&F File No 07-30159 Py cc IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK, Plaintiff V. CHRISTOPHER CONA, Defendant NO. 2008-03697 AMENDED COMPLAINT IN CIVIL ACTION Filed on behalf of- Capital One Bank, Plaintiff You are hereby notified to file a w I rtte sponse within the time pro ed ules of Civil Procedure or a i dgm reentered against Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Pittsburgh, PA 15106 (412) 429-7675 AMENDED COMPLAINT.CONA.07-30159. CAP ONE.wpd IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff V. CHRISTOPH B CONA Defendant(s) 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. NO. 08-3697 Usted ha sido demandado en corte. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, ]as demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar accion como se describe anteriormente, el caso pude proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier reclamacion o remedio solicitado pot el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au otros derechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 PA-2 I Notice to Defend P&F File No. 07-30159 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff V. CHRISTOPH B CONA Defendant(s) NO. 08-3697 AMENDED COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK, by and through its attorney, GREGG MORRIS, ESQUIRE and the law offices of PATENAUDE & FELIX, A.P.C. and files the following Amended Complaint in Civil Action, and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK, is a corporation and for the purpose of this litigation, maintaining a place of business c/o PATENAUDE AND FELIX, A.P.C., 213 East Main St Carnegie, Pennsylvania 15106. 2. Defendant is CHRISTOPH B CONA, an adult individual, believed to currently reside at 86 ARNOLD RD ENOLA, PA 17025--307. 3. Heretofore, the Defendant(s) opened a account with Plaintiff being Account No. 5178052602916641, for the purchase of good and services. A copy of the application and customer agreement are attached hereto, incorporated herein by reference and collectively referred to as Plaintiffs Exhibit "A". 4. The Defendant(s) has/have made or authorized a number of purchases and as of October 17, 2006, Defendant(s) owes $1,521.76 on said account plus interest at 28.10 %. PA-05 Civil Cmplt Crdt Crd P&F File No. 07-30159 5. Plaintiff maintains accurate books of account recording all credits and debits for this account. 6. The Defendant(s) have/has received monthly billing statements from Plaintiff setting forth the nature and amount of all charges made by Defendant(s), and the transactions between Plaintiff and Defendant(s) give rise to an account stated, upon which Plaintiff has relied. A copy of billing statements for the account dated November 15, 2005 to November 15, 2006 are attached hereto, incorporated herein by reference and collectively referred to as Plaintiffs Exhibit "B". 7. The Defendant(s) made payments, but have/has refused to pay, and now refuses to pay the balance due and owing on the aforesaid account in the sum of $1,521.76, plus interest as set forth herein and attached hereto and costs. 8. By failing to object or dispute the statements, Defendant(s) have/has assented to and agreed to the correctness of the balance due on the credit card account so as to constitute and account stated. 9. Despite repeated demands, Defendant(s) have/has failed to make the required installment payments when due and therefore the full amount of the account is now due and payable. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the amount of $1,521.76, plus interest as set forth herein from the date of breach, with continuing interest at the legal rate thereon from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. PA-05 Civil Cmplt Crdt Crd P&F File No. 07-30159 Con II Breach of Contract 9. The averments of paragraphs 1 through 8 are incorporated herein by reference as if the same were set forth herein at length. 10. Defendant completed a Credit Application or Instant Credit Agreement. A copy of the Application and Account Agreement are attached hereto as Plaintiff's Exhibit "A" and incorporated herein by reference. 11. Defendant is in default for failing to make payments as due. 12. The terms of the Contract provide that Defendant will pay Plaintiff s reasonable attorney's fees. 13. Plaintiff avers that counsel for Plaintiff is not a salaried employee of Plaintiff and that such attorney's fees will amount to $750.00. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the amount of $1,521.76, plus interest as set forth herein from the date of breach, reasonable attorney's fees in the amount of $750.00 with continuing interest at the legal rate thereon from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. A.P.C. Date: August 05, 2008 U eg l Mo is, Esquire 21 . Main S et Carnegie, PA 15106 (412) 429-7675 PA_05 Civil Cmplt Crdt Crd P&F File No. 07-30159 N go ^? N !A) 4 0 '4 6 = 0 ?„ a+WVA? 303 x =r 0 fu po 'o N' =r NJ rD at L m ?L 4A LA gt tA LA -u oh Ln 3 CL _ a a =r 3M ? Be 3 O 7C' j3% 2: , r- m :3 c: Z to %,mw 0 =r 0 S. ta, to 9 =1 (D o co'rA 9: ????? a 'IS r :3 W w CL ?0 d rte. no to rob err?? c ulw? ,' °' tin w ?D Qn 1 a?]0 Q ????? a; - 2L ?a C t '° c C? ID 9- cr .9 cr VA L Jr ell R a? ?v W e 5 N. PT -"I n -4 Pr a' Pr ~ p ?n o ? r 0 oosnz-r CUSTOMER AGREEMENT W*Orad to Capital One.® We are pleased to open your credit cab account. This Agreement contains information about your account Please read it and keep It for your records. In this Agreement the words "you,' your' and 'years' refer to each person who signed the application and to anyone else who uses the amount In any way. Each of you If individualy and )oIndy obligated under lids Agreement The words "We,"'us" and 'Du?' mean Capital One Bank and ft successors or assigns. We can delay enforcing our rights under this Agreement without losing them Using Your Account You can make purchases and obtain rash advances (f we have told you that cash advances are an option for your account) by using your card, account number, and any account @mesa checks (Inducing Purda3B Checks, Convenience Checks, Spatial Transfer Checks and other similar checks) that we may send to you. When we provide you with amounl ameta checks, we WIN tell you whether they will be treated as purchases, cash advances, orspeciel transfers. Unless we fall you Oherwise, Convenience Checks will always be bested as cash advances. Your card or account cannot be used in connection with any Internet or Weigel gambling bansaclons. Your card and account may only be toad for vald and lawful purposes. If you lss, or allow scraone eke to use, the card or account for any Impermissible purpose, you will be nesponabk for such use and may be required to reimburse us and MasterCard Infematkmal incorporated or Visa LISA, Inc, as applicable, for all amounts or expenses we or they pay as a result of such Impermissible use. You agree that we are not responsible If anyone refuses; to honor your amount I you do not use your accent you may cancel A by tailing our Customer Relations depetrnanl and destroying your card(s) and account amass decks within 30 days after you receive them Cash Equivalent Transactions, If cash advances are an option for your account you can use your 111001)(1111 10 purchase items that are tiredly convertible to cash These cash equivalent tarsacdons will be basted as cash advances and will be bMW to the cash advance segment of your accent Cash equivalent transactions include the purchase of wire transfer money orders, bets, beery tickets, casino gaming chips, and other sirNkr products our services. Your Credit Umh. You were tote) your credit IMt when you opened your amount You also may have different credit IYoAs that apply to dtfreht segmnras of your amount (such as ptachaea, mash advances, and special transfers). These credal fume ail be identified pis Your periodic statement You agree to male purchases or obtain ash advarkes only up to the relevant cradt roll. We may increase or decrease your cmdll lab at any tkne, may Irk the amours that is available for ash advances, or may exclude cash advances entirely from your amount We may honor trarseclors in excess of You credit limit even If those transactions result in an overtrnt tee, and those transactions and has will be covered by this Agreement. Making Psymede. You promise to pay us all amounts due mauling ham the use of your amount iudurfrg any finance charges and other charges due under the isms of tits Agreement Payments must be made In U.S. dolars, Payrnants nude by a negotiable i strum n! such as a check or a money order must be in a form acceptable to us and be drawn an a U.S. financial Instlldbn. We may alocats paymanle among the various segments of your amount In any way we defemnie. You must pay at leas[ the minhsrm s modnt due by the data requested on your statement to avoid a Isle payment Is& However, you may pay mom than tie minmum payment or pay the balance in full. In any case, finance charges Wl cmtlaua to be measured during billing periods that you any a balance regardless of whether or not your slatanherd shows a ndrdnxrm payr to t due. We an accept late payments or partial payments or dads and money orders marked 'Payment in fuP or other similar language without losing any of our rights under this Agrearnent including our right m receive payment la full, Periodic SbdemenL Each mouth you have a balance In your account we will send you a statement showing all transactions baled to your account dudno the biilkg period. The bllng period is the time from one statemed closing date through and inducting the next statement closing date. The stafernent dosing date determines tfle month of a specific billing period. For example, your January billing period Is the billing period with the statement dosing dale In January. Finance Charge Information. A. Grace Period. You will live a arnknum gas period of 25 days without finance charge on now purchases, new balance Ianafers, new special purchases and new other charges If you pay your focal New Balance as shown on you periodic statement in tug _ and In time for It to be credited by your next slattenenl closing dale. There k no grade - period on mash advehces and special transfers. In addillon, I you did not pay the total New Balance from the previous billing statement In full and In time for it to be credited by your next statement dosing date, there Is no grace period on any transaction. B. Accruing, Fiance Charge. Transactions whkth are not subject to a pace period are assessed fnnsroe charge as follows: -Transactions made during the current billing period: from the transaction date. .Undated transactions and transactions made with amount access decks; from the date the transaction is processed to your account -Transactions made prior to the current billing period: from the first calendar day of the current bling period. AddNonaly, If you did not pay the New Balance from the previous billing period in fug, Finance cages continue to accrue to your unpaid balsam unfit the unpaid balance Is paid in fug. This means that you may still owe finance charges, even I you pay the entire New Balance indicated on the front of your statement by lho next statement closing date, but did not do so for the previous month. Unpaid Ansnce dirges are added to the applicable segment of your account. C. Minmsim Finance Charge. For each billing period that your account Is subject to a finence charge, a minimum total finance charge of $0.50 will be imposed. If the foist finance charge resulting from the application of yaw periodic rate(s) Is less than $0.50, we will subtract that amount from the $0.50 minimum and the difference will be baled to the purchase segment of your account D. Periodic Refer We defermine the daily periodic ate by dividing the annual percentage rate by 365 and rounding it to the nearest IM00,0DOth of 1%. The ate may be differed for each segment of your account (e.g., ash advance, purchase, special purchase, and special transfer I applicable for your eccbunt). You were told the dally periodic rate(s) when you opened your account and it appears on you staternent If E. Cakufeing Finance Charge. Finance charge Is calculated by multiplying the dally balance of each segment of your account (e.g., ash advance, purchase, special transfer, and special purchase) by the corresponding daily periodic ale(s) that has been previously disclosed to you. At the and of each day during the billing period, we apply the d daily periodic ate for each segment of your account to to daily balance of each th segment Then at the end of the billing period, we add up the results of these dally a akulato m to arrive at your periodic imam charge for each segment We add up the results from each segment to arrive at the total periodic finance charge for youraccount If To get the daily balance for each segment of your account we take the beginning balance for each segment and add any new transactions and any periodic finance Large calculated on the pni day's balance for that segment We then subtract any payments or credits posted as of that day that areallocated to that segment This gives us the separate dally balance for each segment of your account However, If you paid the New Balance shown on your previous statement In lull (or I your New Balance was zero or a credit amount), new Iansaclons which post to your purchase or special purchase segments are not added to the daily balances To calculate your total finance charge, multiply your average dally balance by the daily periodic rate and by the number of days In the billing period. Due to rounding on a daily basis, there may be a slight variance between this calculation and the amountofflnance charge act ally assessed. F. Cash Advance Fee. If a cash advance fee apples to your accent you were told the fee when you opened your account The fee will be charged each time you obtain a cash advance and will be added to the cash advance segment of your account and will reduce your available credit The amount of the cash advance fee will be added to other finance charges on your periodic statement for the purpose of calculating the annual percentage rate disclosed there. This may cause the annual percentage hate disclosed on your statement to be greater than the annual percentage ate that was disclosed to you when you opened your accounl. G. Temporary Redudion in Finance CJarge. We reserve the right to not assess any or all finance charges for any given billing period. Other Feet and Charges, The Fallowig fees may be billed to the purchase segment of your account unless otherwise specified, in every bfing period in which they apply: late payment fee I we do not receive your payment In drme for it to be credited by the to" statement dosing dais: overumn fee t your account (or any segment of your account) goes or stays above any temporarily or pen ally assigned credit Iml, even If we appnxed the ovedngt amount at any fine during the bl1Ing cycle (regardless of whether you wend overimlt as a result of a transaction, fiance charge. or any other he or cage): attmed desk his, Imposed every lime a check is returned to us for any reason. or If we cannot honor your account access checks for any reason: and spying charges for duplicate copies of tanseGiaa or statements unless required for billing dispute resolution. These fees and charges will not be assessed If your biding address was In Puerto Rko when your account was opened. The fee and charge amounts were disclosed to you when you opened youraccount If any of these leas or cages are changed subsequent to your account opening, you Will be advised of the new amount We reserve the right to waive these tees without prior ndtffatim to you. Membership Fee. If your amount has a membership fee, it was disclosed to you when you opened your am urt The fee will be baled to the purchase segmentof your account Credit Bureau Information. You agree tal we may obtain your credit Infrmaton from credit reporting agencies at any fine for the purposes of month" your credit pefomm ace, managing your amount and considering you for new offers and programs. Future Offers. The terms of any f tture offer will be disclosed to you at the time the offer If made, If you accept an after, the terns will becma effective immediately unless otherwise specified in the offer. Default We may consider you b be In default under this Agreement if. (a) you fail to pay the minimum payment on time, (b) you exceed your credit Arnit or (c) you pay us with funks that are returned for any reason. To the extent permitted by law, you may also be in default under this Agreement its (1) you violate any of the other terms of this Agreement or any of the lams of any other agreement with us or any of our affiiates, or (2) you made ary false or misleading statements on your application, or (3) bankruptcy or other Insolvency proceedings are Instituted by you or against you. Ater you are in deaul (r after we give you any notice of or right to are the default If required by law), we may reatdc your account from new transactions, or dose your account and demand immediate Payment of the entire outstanding balance. In addltim, as a result of the default your mInloum payment may incassa without advance notice. _ To the extent permitted by low, you agree to pay all court costs and collection expenses incurred by us In IN collection of any amount you owe us under this Agreement If you default and we refer your account for collection to an attorney who Is not our salaried employee, to the extent permitted by law, you agree to pay reasonable atomeys' fees. You also agree to pay any coats we may Incur in retrieving your cards, including any costs we may incur by having your account plead on a restricted fiat If You Close Your Account. You can request to close your accounl by calling our Customer Relations deparlnef t You must destroy all cards and account access checks, cancel all prautadae l bl ing arrangements, and cease using you account If you do not cancel preauthorfzed billing arrangements, we will consider receipt of a charge your authorization to reopen your account Additionally, your account will not be closed until you pay all amounts you awe us including: any transactions you have authorized, finance charges, late payment fees, ovedimlt teas, returned check fees, cash advance fees and any other fees assessed to your account You are responsible for these amounts whether they appear on your account at the time you request to dose the account or they are incurred subsequent to your request to dose the account This may result in charges appearing on your account aler you have requested the account to be dosed or the reopening of your account it it has already been closed. For example, I you authorized a purchase from a merchant and we recehve the transaction from the merchant after your account has been closed, your account wit be reopened, the smomt of the charge wal be added to your amount, and you will be responsible for payment If there is a membership fee for your account the fee will continue to be charged; to the extent permitted by law, until the account balance has been paid in full as defined above. you want to stop an authorized users access to your scmurht you must call our Customer Ralatons department and des" the users card (t any) and any amount access checks he or she may have. If you are unable to destroy that person's and and ac=nl access checks, and you cal our Customer Relations apartment to dose your amount, youramount will be dosed and both you and e joint cardholder, if any, may apply for a new account. If we close the mount, you and the joint cardholder, I any, will sill be gable, individually and together, for all amounts charged to your account We Cancel Your Account or suspend Credit Privileges. We may at any ne, with or without cause and wM or without advance notice, terminate this Agreement without being them. Changes In Terms. We may emend or charge any pert of your Agreement, Including the periodic rates and other charges, or add or remove requlrements (Including adding new requirements of the some or a dNerent nature as the exiall g requiran eels In this Agreement) at any time. If we do so, we will give you notice l required by law of such amendment or change. Notice will be mated to the last billing address Indicated In our records. (However, no nation will be mailed l we previously had nodded you that your account would be sAect to such amendment or change without notice.) Charges to the annual percentage rate(s) will apply to your account balance from the elective data of the charge, whether or not the account balance included iterm billed to It account before the delge date and rfiather or notybu continue to use the accamL Changes to fees and other charges will apply to your account from the efkdive date of the charge. Applicable Law. This Agreement will be governed by Vigils law and Federal law. Saverabfthy. The invalidity of any provision of this Agreement shat not aged he valdlty d airy oher provisions. Lost or Stolen Cards or Account Access Checks. II you cards or account access theca are bet or stolen or it someone else may be using them without your permission, nelty us at once by calling the kkphone number shown on the front of your pedodit statements. You will not be M* In any amount for unaulhorheel use of your cards or account access checks. Your Biding Address. You agree to glre us written notice of any change in you( bit % address at least 10 days before the lunge. Charges may be written in the space provided on the remilaroe coupon portion of your parodic statement or may be sent to the following address: Capital One, P.O. Box 85015. Richmond, VA 232855015. If your account Is a )oint account or If more than one parson Is permitted to use it you agree that al notices regarding the account may be sent solely to he address shown on our berg records. Communications. We may cal you (using We operators, witanati: dialing devices, or recorded messages) at home or work and those cab will not be considered ummmWd. We may monitor or record any cols we make or receive. We may release Information to otters regarding the stabs or Nsh" of yaw account as Is more hilly discussed in the Capitol One privacy poky, a copy of which has bomb provided to you. We may make inquiries of third parties in connection with maintaining and collating your account and you authorize such third parties to release Information about you to int. Cardholder Bono ft. Cardholder benols may be charged or terminated without notice. The bwmft may be prenridad by third parties; we are not liable for such handle or or he actions or omissions of the third "a. U.S. Currency. If you make a purchase or rash advance in foreign currency, he transaction will be converted into U.S. dollars using Visa or MasterCard regulators and conversion procedures In ehxt at tie time. Visa or MasterCard may Increase the conversion rate and keep lab Increased amount The rata in eNed on he conversion dale may differ from the 11119 used on the transaction dolo. ARBITRATION: You and we agree that ether you or we may, at either party's sce election, reWdre tat any Claim (as dented below) be moolvad by biding arbitration. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTATIVE PROCEEDING. EXCEPT AS SET FORTH BELLOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, INCLUDING THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION. THE FEES ASSOCIATED WITH ARBITRATION MAY BE HIGHER THAN THE FEES ASSOCIATED WITH COURT PROCEEDINGS. Special Definitions for this Arbitration Provision. For to purposes of Ibis arbitration provision rArbiralkm Provislonl, the following delnlba shat apply In addition to the definitions set forth in this CustomerAgmement rAgneer eadq: 'We; 'us' and'our' mean the owner of your aociount (Capital One Bank or Capital One, F.S.B.), its Parent and their died and indeed suhskftft and affiliates, as wel as al of their respective employees, officers, directors, ficeaess, predecessors, successors, and assigns. 'Claim' means any clairn, controversy, or dispute of any kid or nature between you and - --- A. This dermlfon includes, wghout Wraladon, any Clikn flat h arty niay adores born or relates to: .his Agreement and any of is toms (Inchrding any prior agreements between you and us or between you and any other entity from which we acquired your aomn() .this Arbilration Provision (Including whether any Claim Is subject to arbitration) -the establishment operation, or termination of your account -any disclosures, advertisements, promotions, or other communicalba relating to your account, whether they occurred before or after your account was opened -any trensedioa or attempted t ansactions invoMng youraaount -any bling or collections matters totaling to your account -any posting of transactions (Including payments or mWfts) to your account -any goods or services charged to your account -any fees, Interest or other charges assessed to your account or their calculation -any products, services, or bereft programs related to or offered in connection with your account (mdudirg any Insurance, debt cancellation, or extended service contracts and eny programs, rebates, rewards, sweepstakes, memberships, discounts, or coupons) whether or not we offered, introduced, sold, or provided them -our receipt, use, or disclosure of any information about you or your account -any other matters totaling to your account or your relationship with us. B. This defrniffon also kh*des, wlhovf lmleiforr, any Claim: .regardless of how or when it Is brought (for example, as an Initial claim, counterclaim, crowdaim, interpleadig, or third-party claim) .based on any theory of relief or damages (including money damages and any form of specific performance or Injunctive, declaratory, or other equitable relit) -based on any theory of law or equity (including contract, on, fraud, constitution, statute, regulation, ordinance, or wrongful aids or omissions of any type, whether negligent reckless, or Intentional) .made by you or by anyone connected with you or claiming through or for you (including a co-applicant or euthod ad user of your account your agent your representative, your heirs, or a trustee In bankruptcy) 005112-21 .for which we may be directly or ardirecty gable under any theory, including respondew superior oragercy (even If we am not property named at the time the Claim is made) -now In existence or that may arse in le future, regardless of when the facts and circumstances that give rise to the Claim occurred orwhen the Claim accrued .made as part of a doss adlon, private a" general action, or other representative or collective action, which Clair shag proceed on an Individual basis as sat forth more fully in this Arbitration Provision. Arbitration Administrators. Ono of the following arbhalion ndmh'strators ('Administrator' or, cdkdivey,'Admoistraloml will administer he arbitration: JAMS American ArbitrationA9s'n National Arbitration Forum 1920 Main St., Ste. 300 335 Madison Ave., Floor 10 P.O. Box 50191 Irvine, CA 92810 New York, NY 100174805 ivBneW*. MN 55405 www.famsadreom www.adrAm www.arbgration4omm.com You may contact any of the Administrators to obtain information about arbitration, arbaretion rules and procedures, fee schedules, and Cahn tame. Election and Inltlatlon of Arbitration. You or we may elect arbitration under this Arbitration Provision with respect b any Clain, even I he Claim is part of a lawsutl brought In court You or we may make a motion or request In court to compel arbitration of any Clsim brought as part of any lawsuit We wit not elect or Inifiala arbitration of any Claim brought in a wren claims court (or he equivalent), so long as the Clain remains in that court is made safety on behalf of an individual or Joint account holder, and Is not made as pan of a class action, private attorney general action, or other representative or collective action. You and we must fallow the rules of the Adminlauatras to Initiate arbitration. II you Initiate arbitration, you may choose one of the Adrdnistraiors, and you must mail us any notice required by the AdmkYabator to P.O. Box 85550, Richmond, VA 232855550. it we initiate sublikallort, we win donee one of he Administrators, and we wIl rail you any notice requited by he Administrator to your last-mown billing address. If we have InIatad arbitration, we will change the Administrator at your request If you ratty, ua In willing at he above address within ifeven days of the dote of any notice we send you of our Milan of arbitration. Procedures and Law Applicable In Arbitra fon. This Arbitratim Provson is made pursuant to a transaction Involrg Interstate commerce and shall be governed by and enforceable wider he Federal Arbitration Act (the'FAAJ. Questions about whether any Clam Is subject to arbitration shag be resolved by Ir"relig his Arbitration Provision In the broadest way It may be enlowed, comisfent with he FAA and the terms of this Arhftratm Provision. The Biblastor will apply substantive law constant with the FAA and applicable statufes of lMtatons. The arbitrator may award any damages or Whey relief pemitted by applicable substanlVe hew. but the award shall detemie the rights and obligations of only the named parties and only with respect to the Claka in arbitration. The rules and procadtaes W tho Admilds for, which you may obtain from the Administrator, shall govern to arbitration unless they conflid with this Arbitration Provision, In wNdh case this Arbitration Provision will apply. The arbfalor WIN not be bound by, and #6 Arbitration Provision shat not be su*d to, the federal, state, or local hubs of procedure and evidence let would apply In any court, or to stator or local laws that relata to arbitration procaedigs. You or we may have a hearing In arbitration. Any arbitration hearing hat you attend in person wB take place at a location in the federal Jldkcsl diarld that Includes you lost known bRig address or at some other place upon which you and we agree. You or we may be represented by counsel. If you or we request, he arbitrator wit honor dabs of privilege recognized under applicable law and will use best efforts to protect conficiangal Intonation (Including through he use of profed iv a orders). The arbitrator wit make any award in writing and, at the *n* request of oilier party, Y41 provide a wdlan statement of reasons for the said. Costs. The parry Initialing arbitration will pay the Initial Ong fee. You nay seek a waiver of the iilal ling fee or any W the Administrators other fees tooled valy,'Adminhstatoes Fees') under any applicable rules of the Administrator. If you seek, but do not quality for, a waiver, we will consider any WMN request by you for us to pay or reimburse you br all or pan of the Adminslraiors Fees. We also will pay or ralnburse you for al or pan of the Adminisir lees Fees If the arbitrator dekmies there Is good reason for us to do so. We will pay any fees and toss we are required to pay by law. Otherwise, and except as provided in this Agreernent you and we wit bear all at our respechtre fees and costs (Including the ArbnIntstrators laee and the lees and costs reining to attorneys, experts, and witnesses), regardless of who prevails. Allocation of fees-- and coals ralleft to opposite In artkfralar will be handled In he same manner. No Consol felon or Joinder of Parties. The arbitration of any Clem must proceed on an individual bass, even l flea Clain hes been asserted in a court as a class action, private attorney general action, or other representative or collective action. Unless all parties consent ether you nor we may )otrh, rbnsotdMe, or Otherwise brig Claims related to two or more accounts, individuals, or secant folders In the same arbitration. Also, unless all parties consent, ailher you nor we may prase a doss action. private attorney general action, or other representative or collective action in arbitration, nor may you or wit pursue such actions in Court if any party has elected arbitration. You will not have the right to ad as a class representative or participate as a member of a class of caimans with respect to any Claim as to which arbitration has been elected. Judgment, Enforcement Finality, and Appeal, The arbbalors decision will be final and binding after fflaerh days unless you or we seek an appeal of the award by making a written request to the Administrator. The appeal panel, which will consist of three arbitrators, will consider all factual and legal Issues anew, will conduct the appeal In fine same manner as fine Initial arbitration, and will make decisions based on the vote of the majority. The paners decision will be final and biding, Any final decision of the arbitrator or of he appeal panel is subject to judicial review only as set lath under the FAA. An award In arbitration will be enforceable under the FAA by any court having jurisdiction. Miscellaneous, Waiver, Severabiiity, Survival. If you or we do not elect arbitration at otherwise enforce this Arbitration Provision In connection with any particular Claim, you or we wil not waive any rights to require arbitration in connection with that or any other Clain. This Arbitration Provision shall survive: (0 suspension, termination, revocation, closure, or changes of this Agreement your aaounL and your relationship with us; R the bankruptcy or insolvency e( any parry; and (III any transfer of your amount or any amounts owed on your account to any other parson or entity. If any portion of this Arbitration Provision is deemed invalid at unenforceable, the remaining portions of this Arbitration Provision shat nevertheless roman valto and in force. In the event of a conflict or inconsistency between this Arbitration Pmvsko and the other provisiohs of this Agreement or any prior agreement, this Arbitration Provision shall govern. 0 2002 Copilot One Services, Inc, Capital One is a federally registered service mark. Al rights reserved. 020 Protect your account. Enjoy peace of mind. • pays the minimum monthly payment on your account if t you lose your job involuntarily or can't work due to temporary N aymgnt disability. P R O T E C T I O N • gives you up to $so,ooo of credit coverage in the event of death. f,,,m C'aPbWo? ze • costs just 89 cents per $ioo of your monthly balance. • ENROLL TODAr See reverse for enrollment information - 020-072 ^. Ca Fall PLATIN v/[ UM MASTERCARD ACCOUNT OCT 16 - NOV 15, 2005 5178-0526-0291-6641 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $.00 Payments, Credits and Adjustments $.00 Transactions Transaction; $312.23 Finance Charges x00 1 09 NOV GABLES SELF SERVE CARLISLE PA $74.91 New B l 2 09 NOV GABLES SELF SERVE CARLISLE PA 61.16 a ance $312.23 Minimum Amount Due $15.00 3 09 NOV MONMOBILI8 0%55531 ENOLA PA 58,00 4 09 NOV EXXONMOBILI8 0%27Q9 WAYMART PA Payment Due Date December 15, 2005 56.11 5 13 NOV SUNOCO SVC STATION ENOLA PA 19.99 Total Credit Line $1 000 6 15 NOV CAPITAL ONE MEMBER FEE 39,00 Total Available Credit $687 7 7 7 15 NOV PAYMENT PROTECTION 1-888 527-6904 3,06 Credit Line for Cash $1,000 Available Credit for Cash $687.77 At your service To nB Customer Relations or to report a lost or stolen ou%L 1-800-903-3637 Send Psyramb tot Send inquiries to. Attn: Remitmoce Prooning . Capital One Bank Capiw One P.O. Boa 790216 P.O. Bas 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 Finance Charges Ptereteemwwside orrs1.rarrrrsf~ oox arak Priodr Cwwtpan1-1 to +ati APR awe fO PURCHASES LOO .00000% .00% LOO CASH LOD .0568296P 20.74% 3.00 ANNUAL PERCENTAGE RATE applied this period O,OD% PLEASE RETURN PORTION BELOW WITH PAYMENT C-- ICW 0000000 0 5178052602916641 15 0312230000000015009 New Balance $312.23 Minimum Amou t Due $15600 Payment Due Dane December 15, 2005 Total enclosed $ Account Number. 5178-0526-o291-6641 P6mrrprmtmolm,ad* awho? -al &m&jAelow ghAwwbZwA ;ak. Apt R car Srate ZIP bone Yh- Alz Phou #9032002809864027# MAIL ID NUMBER CHRISTOPH B CONA Capital One Bank 4902 CARLISLE PIKE P.O. Box 790216 inlrluiluluiitlui N APT 248 St. LOUiS, MO 63179-0216 MECHANICSBURG PA 17050 RAW iriluuiiuuillurllriulinuritinriitiluurilrli°lrtlrl inrilintiiiuuiri9ilutiurli : A=, E E T -teyorr aaotmt nnmbn yon rbak money order madepayable to Capital One Bank and in the enclosed enrulope ---------------------------- -------------------------------------------- t To enroll in Payment Protection: 1 Call toll free 1-888-527-3014 or return this form with your Capital One* credit card payment. 1 When you call. piety mention Key Code 3P7. t 1 1 YESI I want the peace of mind that comes with Payment Protection. CHRISTOPH B CONA t By signing below, I authorize you to enroll me in this program to 1 safeguard my current Capital One account. I understand that by 4902 CARLISLE PIKE ; 1 enrolling, l will be charged $.89 per $ioo of my monthly statement APT 248 1 1 balance that will be billed to my Capital One card. See Important MECHANICSBURG PA 17050 1 Information below. I Signature Date_ 1 t 1 authorize Capital One to forward this coupon, which includes my account number for billing ACCOIIITT # 517 8 052 6 02 91 6 641 I purposes, to the company that services this product on my behalf. ; j Please sign in black or blue ink only. Detach and return this form in your Capital One credit card payment envelope. i •------------er----------------------------------------------------------- ' s ? T ir Z 8 0 , .Rd 241 GA Wr To Avar A Faults charge. Qeea Paled you wg "am "m nmpace Period of 25 dap witlrout areenc?e Chega on new purduaes, now balance matters, row spade padheaoa end new other carpe if you pen yaw and 'New eaiace', ti accordance Wth the Yhportare Notice for payments below, and in fine for it to be cledted by your lead statement closing dam. Thera Is no pees period m dash advacro and sped/ trarrmro. In addllan, rcrf is ro Qreco perlotl 0"'don If you do not pay the toW New Aotr iig IF Owgs. Treuesctlons which are not fiUhe dins nesed finance the damperhe) transaction Is processed to vow Acoam or 3) from the sat calendar day of the awrerht hNiq oeAod AdditlaWly, if wu did not rv the 'New Belanoe' fran the preMOka p?etlo3c ram. To obtain the awrage defy balance for the billroam covered by tea s[aenett, we clay, tekeaddetharty e new, bdshce of aaepMnaaenpnan each p °?a a credits. (Ii the code N appears an subtract the from of this statemem nmd m'Bala -Balance Ram Applied To; we oleo sbvaetsegment.) ay unpold 9rence charge hhchrded in the bNahce of each e This 9),00 g ant. Them, p all tM the he dally daily b balance sB for each u segnem for the baling pqaclod and diNde by the total number of days In the aaiq period. This ghee w the .-rage daily balance of each segment. 3. AMWePerso nsge Rates IAPIR• a. The ram 'AmhW Psmmnage Ram' may appear as APR' an tam front of this statement. b. N the code P (Prins), L 0,mo. LIBOR), C (CwtiflcJte of Dooosk), or S (Rankcan Prime) appears an the fine of you, aeeaan m It has already been closed For example, if you -torized a purchase from a memdhxrt and we re odw the taeectlon from the merchant after yo r aaaart has been dosed, your account VA be Peopered, the amain of tie dYrrpQ?e vw he added to you arxam, and yyo0lu1 war be rsspsnaalf far payment. N there is a In mNp fee for Your accaan, the fee will continue m be d,.med ,a tin mdertt pskI by mw, toot the eoca.n balance fors been pat ti u es cleared above. 7. MYea Aoear ,,Your dam or accouu carat be transactions. on ,,Your any Mernet gm.N g e. Nstlsa Aiaut h]seianb Cloak Ossrsrdsm. When you provide a deck - payment, you authorize ha either to nee Information learn yaw deck to make a on-tkro eieefia is Kid trarks%r from me bank account or to process tla ppaeetianyment as a deck transaction. When we we infam tram your check to make an ebdraie fiats transfer , lunch may be wftdrown from Your bank annum as nom as the fame day W mcdwa your ==,t a d You tra rat rooeiwe yeter deck beck from and Inutlthrtiarn. B(LLINO Rl(*RS SUMMARY (In Case Of Firma Or Queedae About Your Bill) If you mkhk your bib is wrap, or if you reed mom {rddnhat- on o trahaectim a bill, wte m ha on e rete ohm soon irsq rift showman the from *a aat the ackiness lot uternan. We mkt hear ==h later than BO days sitar war san you the first the error or problem appeared you can call out Customer Relation comber, but doing so will rot presmve you riyda. In yaw latter, give us the fdkhWng inmmeatlon: ypur name and accotet comber, the dollar amount of the suspected error, a description of the error and m nphlardon, it porMre, of why you believe them Is an errs; or If you red more inmmu ion a description of the hem you are mature about. You do not how to pay any am so o IpWstHb while thelgpmn: of youua?NBbtthe sm rYou iot mpon es, es doll mofr or. take°an n , .I. to cdl?ect°Bd y amount you quetrion. 1,t Special Rule For Credit Gan Purchases If you haw a problem with the quality of property or services that you purchased vvim a credit can and you law tried In good faith to correct time pcities i with the merchant, you may haw the riyn riot to pay the mmdnng mount due an y the ny a services. You low this $60.0 and the purchase purchase price in your horse mute or Wthin 100 mica of your mailnii address. llf we own a operate the mom hent, a if we malted you the adveruaement for the p any or MAO"' orb purchase am reg7a moun or location of purchase.) R.X=,.7T,4 all caespnndence. Ming period in era, Nonce drapes contsam to accoue to WPM bst? until the unpaid balance yar an Is paid In full. meema to tarthe hat y New my will owe less copes, even if you pay Balance Indicated an the from of your statement by the non nateme t doing dam, but did nor do so for the appamlio s met. Unpaid smote capes t c. aN•imaaa FInhahes tlhrgs BFor each Ngrq-EpeAcaaaa. this statement nm to the psnorlc rateq), the odic rates and cpreapaNnp ANNUAL PERCFNFAO RAT64 may vary quartedy and may increase a decrease lased on the Staled (ndicos, ore fond I. Th. Wall Sweet Journal, plus the margn ssviaWY disclosed to you. These dhages wN be eiFectlve an the floc day Of your ling hN pedad oowred QY?N p y?y?c Oct October. you Y sublect to a ararce he a minkn m RNANCE CHARGE fiurce rhope h?aaJd $0.150 vWN ham 7M bap0pp tlp1 o boll Br strictest train tlheY mtl 11Wlmkiella and 0. d"U-cB m to billed to the purchase eeprwn? a }err aceant. vwl t d. Tomperay Reduahen 10 = Ohags. We reeeno the dyn m not erase cry a a1 err a ce charges for any ghen bikq 2. Avasge Daly gWw lnsksl New Nwalrrssl. b. Rnsnoe change Is ahkWtedhg by multpiyhp tta dagy balance of each aagmem of your acoourt (e.y., cash advance, purdoae, special tra tiler, and aper4I purchase) by der corresponding dilly pellodic retep) that has bee?ntnp thetle hiiie decimated vie to you. the the and rod°fodic°?taesmrdeadn c. If the coda D (Prime), F (ay LIBOID or O ? (3- sum nod t pedodic news), tludodiciates v? ?irre?adla.lyll?t)A PO!gVG RCLE d an Me stored Indicesy , as fend ti TM Was Swsst Jouaw plus the margin preNady disclosed to you. Theo changes 'A be eftacli" on the trot day of yea M" period each month. 4. Assessment of Lace, Owairit and Raknmd Payrrmeri Far. your aanwa .0 be assessed no mat Own two of der men listed hem the occ r during any hang paled Urtler the tome of you ameoemrr agreement, we reserve the right to wd e jw a rot to ssssse any fee without °rla kgtlmcekfat to der srha or dirtier ? ? our dye to esrss ee(Pnen. Th- a the as a the thong paeod, we and tip aim malls or dhese daPv vlalrtlar m sour =the rewlt ef°f Iran each segment to ant" at the total periodic Snanc , charge for WK accoud. To gar fie daily bdanee for each rgmam of you account, war take the legireirhp balance for each aeprwn and add myy new tranactorm nlalated the preview and d artype?odc arha,ro upe m days bsfam fa that segment. We than subtract anyy paynwnts OF credo posted as of that day that am albcated to that eegmem. This Yves us the separero dairy, ballannce for each blow Balatstpvn°} myour yvupmNw su as iefin In ad torte if Your new, bal. VWFF zero or a craft amore), new traesctar which poet to yaw pradoea or spedai puncher eelmalts am not added m the bdaaes. We to cuwermatnpt1 ybrrp cycle. To caho late yaw tad Me, b yar sverape daily bloke by the e tote and y the ntonba at days in the billing to landing or, a daily beais, ;free may Its co between tHs ralosetlarh and the amain a appears on aim bar of this statement, you haw 30 days from the dam this strument wee m I to you to maid psyling the fee or to how such im ctradhadto you if you cancel you account Dudngt this period, you my rxrwisre to use your accan without h-ng to pay the maMemhip fee. To cared yaw scooters, you mass, anted u ° ? our Belance' In full ?OeM1nf Relations ("Aalrgg the ones and Of the tNrty-dy porloti. to* a wAe-s?° you nn recluest to claw 0. N Y°YY Zscwu t by oelkp our u?arer er Raled- mmpm. vw malt destmr yaw or.& dal?a and accars access decu, cared ON prasirthoulzed bNkp, and cease haYhhp?yrapr acoaaa. If yW de rat canOd pressithorized , we .0 m onks of s dupe your stfon m ?wdyodarad account your accouiv, will not uhdi youyou WY A Irw Wu *`mw any trahssCUpts you hew aaterized, mhrnce dupe-, rots tka foss, ovorinit foss, rebated iaymem fees, crlh advance iron ad sny odor foes ssearad on your these amours wihermer atrasr. You am tssparble for ==r n or ? arInctmod sub eg ant to m your Fewest to doss the accous. This may malt in derges rig an yov eras sheyyou Irw qj- t Does W1 apply to consumer a°acredilt card accounts r Does rot apply to businew non-credk card accounts privacy protection: rf our ad anyico mark of Capital dam reserved. a 2003 OILGLBAK b. If the ooda Z or N apposite an the ban a this natemem next m 'Balance Rate Ajpfed To,' we mdtlply the ... In Payments you mall to us will to credited to you accourn as of the budrmr day we Fecelw It 1 pmvidad (1) you sate the bottom portion of title statement and your deck in remittance, envelops and (2) your payment Is Fecehed In out vrorxarng Amer by 3 p.m. ET (11 noon PT). Pleat aloes at beat five (5) business day for pone doll Paymams received by to at any Other Ie°allal OF M any otheir farm ymmayynnor be cymodutod as of to der we receive them. Our business; days an Monday thmuyr Satona , excudrp =Ys. aawtor 1kt the a ant of theme °fctackTine-outsize dapplbe toaag dmcb halved dkudrq the b ling cycle ova o zsart us make a bry sornmens, elrt"It weei cannot process the traMer,yyoubauftifze us to make a charge spoken your bank account using tae duck, a paper draft or other hen. peoplepa- online A better way to Internet. Surfup to • 5x faster.#h c1 FREE Accelerator rotate frst rzRttxttnst-e seovtgasl 1-888-587-9669 .' Mention Offer Code: DOLLAR Visit www.peoplepe.com/go/dollar Passl pine. Account Previous Balance $312.23 Payments Credits and Adjustments $100.00 Transactions $747.70 Finance Charges $.00 New Balance $959.93 Minimum Amount Due $28,00 Payment Due Date January 14, 2006 Total Credit Line $1,000 Total Available Credit $40,07 Credit Line for Cash $1,000 Available Credit for Cash $40,07 At your service To mfl Cmtorur RAstiom or to report a lost or stolen card: 1-800-903-3637 Sead paymma to: Sind inquiries to: Attn: Ramitts- Praasing C*w0-Bmk Capital One P.O. Boa 79o216 P.O. Box 30255 St Louis, MO 63179-0216 SLC, UT 84130-0255 UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by.Symante,,- ® Pop-LIP BlockerT"' * Spam Controls ® Smarter Smart Dialer Technology ®? More Email Addresses ® ?p Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0526-0291-0641 Payments, Credits and Adjustments NOV 16 - DEC 15, 2005 Page I of 1 1 12 DEC PAYMENT RECEIVED - THANK YOU $100.00- Transactions 2 14 NOV DUNHAMS #'056 MECHANICSBURG PA $69.98 3 15 NOV GIANT FOOD STORES #'S1A ENOLA PA 10,00 4 15 NOV STOR MOR CARLISLE PA 121.90 5 16 NOV GABLES SELF SERVE CARLISLE PA 61.96 6 17 NOV GABLES SELF SERVE CARLISLE PA 66.90 7 19 NOV GABLES SELF SERVE CARLISLE PA 63.75 8 19 NOV EXXONMOBILI8 09655531 ENOLA PA 30.00 9 23 NOV GABLES SELF SERVE CARLISLE PA 66.65 10 25 NOV GABLES OF HARRISBURG HARRISBURG PA 67.47 11 25 NOV EXXONMOB11,18 x%55531 ENOLA PA 30.00 12 29 NOV GREGS NOVELTYT SHIRTS MECHANICSBURG PA 45.00 13 02 DEC GABLES SELF SERVE CARLISLE PA 43.77 14 14 DEC GABLES OF HARRISBURG HARRISBURG PA 60.91 15 15 DEC PAYMENT PROTECTION 1-88g-527-6904 9.41 As a valued Capital One customer, you are eligible to receive a free Year-End Summary for this specific account that recaps your 2005 charges, provided your account is in good standing and you have made transactions during the calendar year. Please cell 1-877-794-4487 before January 31, 2006, t0 reserve your copy for this accm= Orders will be mailed out by the end of February 2006. Important Account lnfomiation We appreciate your business and you deserve great benefits. Wed like you to know that your Plarirmm card benefits have been updated. For details, visit www.capitalonecont/creditcards and It's Capital One Bowl week time again! Tune in to ESPN click on the Guide to Benefits link. Thanks for choosing Capital One. and ESPN2 starting on December 20 for the best in St season college football action to we your favorite teams ? for bowl championships. And on jamury 2 at 1 pm be stye to tune in to ABC to watch the Capital One Bowl live from Orlando, Florida! FirtaneeChwgw Ple-ereer ndefartmportaRttRjOlRtglioR Relnr?rafe Pei?dr e err ..k ?d Rog PURCHASES 1851.09 .60000% .00% A00 CASH A00 .05682%P 20.74% 5.00 ANNUAL PERCENTAGE RATE applied this period 0,0096 PLEASE RETURN PORTION BELOW WITH PAYMENT ?0000000 0 5178052602916641 15 0959930100000028006 New Balance $959.93 Minimum Amount Due $2800 Payment Due Date January 14, 2006 Total enclosed $ AccoantNumben 5178-0526-0291-6641 street Apt cur s? ze Hama peo. auscvax Ph- #9035002809864024# MAIL ID NUMBER a CHRISTOPH B CONA Capital One Bank 4902 CARLISLE PIKE P.O. Box 790216 IIIuJlnuu1ldtrl1 ° !® APT 248 St. Louis, MO 63179-0216 0 MECHANICSBURG PA 17050 Plaice write.)-aemant number- y-,h-k -mosey order made fayabk to Capital O,re B.4 and mail ill the end ed eRVe&p Plemeprint mairisgaddrecr-d r-mailrl mda drbm-,r41norbl krsk r peoplepc- online ? A better way to Intemet, UNLIMITED INTERNET ACCESS 1-888-587-9669 ... Mention Offer Code: DOLLAR Visit www.peoplepo.com/go/dollar PeoPW is solely responsible for this offer, and is not affiliated with Capital One. Capital One ekes not provide, ondome or guarantee, and is not affiliated with, any product or service shoves here. Any trademarks mernoned herein am solely owned by the respective entity. All rights esewed. By responding to this offer, you may be commuiicatirg infomatim about yourself to the company that provides this product - for example, that you am a Capital One custctrer. 'PwplePC Online: First 3 months are aped at $4.97 per rnonth; $9.95 per monde thereafter. Offer availabe to new 64-up subscribers at least 18 yam of age and may not be redeemed with any other offer. Offx subject to charge at arty time. Phone t lcfn?oal support available for $1.95 per mkars. tAccelerata Is free for 12 months. Offer good for linked time. After the flat 12 months, the Accelerale0 service will aulomeldily man to the standard PeoplePC Online service. Offer subject to change at anytime With Peep i Online Accelerated, certain Web page text and graphics wig load faster when compared to standard dial-up Internet service. Actual mauh may vary. Pw*PC Online Accelerated is oily =lcalbe with PeoplePC Online Intemetsenice and specified Windowsill) browsers. PeoplePC Online Accelerated is not compatible with Wiodows® 95 with IE 5.5 SP2. Service not available in all arese. Aoceas gees, tales, and Other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to ore of cwt access numbers will moo in telephone toll charges. Access may be limited, especially cluing times of peak usage. Dial-up numbers may be changed at PeoplePM discretion. Continuous use subject to tlmacut procedures. All use is subject to PeoplePC OnfinW's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. O 2905 PeoploPC Inc. All Rights Reserved. PeoplePC Online and its logos are trademarks of PeoplePC in the U.S. and oche caurtdes O 2005 Cpdel One Services, Inc. Capital One is a federally registered service mark. NI rights reserved. I? s all S O I O `4?I ¢ dui r C,N will haw a mirirmm grace period of erne charoa on haw purchases, new ew spedal pudhaw end raw peer yatr most 'New Bin e Inponart Notice for payments below, i be credited by Votr now statement Is re goats period On, cash advandas ti N addition, there h re Qrace pedod H ym do not pay the total Now begs**V baWu a "Ch segment each day, add My new transactional m each segment and subtract any psyrmems OF credits. (If the code N eppearo m the from of this statement rest m'Balarca Rate Applied To: we also subtract any unpaid Rnence charge 4htluded in the brarne Of each "APrnem.) This ghes us this the daily balarnoe of each segment. Then, ont for the balkp UP all and dvide by law the al for each senumber of days in the bYWV period. This gives us the vuuage dry balance of each segment. 3. Parr Pioseap Rsw tAF111. A. The term 'ArsaW Percentage, Ram' may appear a 'APR' on, the from of tli i sLtemerd. b. If the code P (pohm), L (3- Lli C (Con flaw of Dephsit), a S (Barknrd Prime) alepesm on the from of tli statement ran to the pelleft retells), the oedodc rates and ON Por dip ANNUAL PEACENTAOE RATES may vary gtWZY wutld may Ir MM OF decrease based on the eared Indices, as tared In The Wall Street Journal, pkro the margin omNmWy disclosed to you. Thw chsrtpes itch W e ve on the flM dell of yea M the oovemd by yours periodic sutare uadrq In the mamis January, April, Jdyy and October. LIBOR RRopulDoad Moodily) AppPea s M the hrfroont s t Your summers nod to the psdode reels), the doek cads and comeaoaudra ANNUAL PEACENTAOE pekTES may will be etleetlve M the Rue day of your baling period "ch month. 4. Assessment of Las, Ov3Orrk eM RsYnrs l Pay ss' Fw. Year WIN be --d no . Ill. of 'Is, listed has that oeor MN OW b-cg paled tinder the tens Of Yar aatomer agrerrro[, we resew der dgrc Te We- a not to easier any, seas widnourc rodflcadah te you wldhart waivkg our right to scar some a smiler mew a to lea tree. 6.'tRarswing You Aaaaet. It a memWirip fee atoPSms m the front Of di saterrher, you haw 30 days farm the data dim ausrnera was ntaRed to You m avoid paying the flee o te have such fee credited to you if you cancel your Account. Do" this period, your may 00n6nre w use You achoad without hrvsg to pay the membership fee. To anal Year aoeourn, you asst rhodty fry' B min full ill pm t t "Now Yo o ? e m 6. N Y- Cleft Aaato the Ord of this as. Yw an nrq,?ieat gym kilos palled yyeouarr amour[ W sip err Oust. Retsdas opamna -mosses dherJn, You ho destroy yak asst aN(al aid rt mosses ranMel r preaehdzed biling, aN cases yon ateoed. Ii you do nor caohcd r Soto rraocpaenrfydpar accarr. Additionally, your account will Mt be dosed urS yw PsY r Amounts You owe u thdidaZ a w trorhaetloris you haw auahociZed, laterne ch. , page dna fees, overlm k fees, mom cash solvers tear and any Oil- to" assered m your accarr. You am responsible for theme arricurits close th is account or thmiceunt ey am a samodua qu?to m Your rages[ to close the accent. This my mitt in dhagas appabg on your achnuuo after you have Your account authorized It has purchase se e f om agrit a example, if You receive the transaction hem the merchant after your ehkom has been dead, You atecourit will be reopee the arrow of the die wN be added to your ahooum, V.=Op be p= fa peymart. f tiers Is e fee for your sodium, the fee well continue m W dremed to the enertt pe"Pit ad by taw, until the =item stet has been meld M k1 as cleaned above. 7. your Aorsousi.Yar did or account cannot be In -.-I- vnth any Internet gambling ttenesctia A. Alleges Aberd flsemarie Chssk Conversion, When you provide a deck r payment, you au hodi us etthet to use Intonation from yar deck to make a ore-tine electmric trod transfer fen your banb Account a Fe proaa the ppeeYrnent as a deck trarsacdm When we use atamatlhn from Your deck to make m electronic Red transfer, kuxs may be wit drarm tram your bank adoem as soar as the some day wan receive }wr pynnerrt, ad you vcl n.ot receive your deck beck from yak Fa l BILLING RIGHTS SUMMARY (In Cane Of Emm Or Ounstba About Yosr BIN) If you tliri: your ==, You need mom Infommona how e as - then so otlN, ware m u on e apere t d e a the em. We dea irqui crown on the front of f tda statement. We must her harm you ro bran than 00 eh will you the flat big Cu which the error or de or problem appeared. sYou an all our ur Customer Relatlorn member, but t dokV ddrg se will rat Preserve yak dgtta. le Y. miter, give u the following rnfomstion: your Mme andrattars number, the drat amain of the suspected emor, a description of the error and an expiarheton, H posses, of why you believe dare is an error; or If you need mom Infoommin, a deacdpdm of the hen You ate usure abort. You do not low to pay any amour In on while vhe ere Inveatlgstlrq It, but you are dN u>b shad to pay the pans of your bM that are not In question, to we Investigate your question, ww dinner report you as del)nquerd or take any action to collect the amount you question. i,t Spada) Role For Cloth Card Purchases If you hew a problem with the qurty, a property a services thin You purchased with a cmdt died and you haw tried in goof faith to contact the problem with the merchant, you may haw the Fight rat to pay the rmtabNng amom due on the property a services. You haw this protection holy win thee puchasa pder was mote than $50.00 and the purchase wee made In your home "a or within 100 miles of lour main address. (if wan oval or operate to menahom, or It we mailed you the dvord menm for r the property a services, es, all purchases, are covered regsrdw of mom or location of purchase.) Plan reMmWr to sigon all comepondane. t Ocean rot apply m tovuwmer rarr-cried/( card acceenots 3 Danes not apply to hasnass aaacmdR cold --to One suppone information privacy promotion: see our at www.caphadievis.com. One is a federally registered service mark of Capital b. Amnirg Flea Cherga Trarsacdonr which am not frihe diet. M:trarraetion-.2) irm the d?ite?da) transaction Is processed to vow Account or 3) from is Rest aloder day of the aarerm hM M period Additionally, ii You old not WV dh'New Bdrhce' frail der previous hasp perihtl le fr, Snahce dhepee oosntra to accrue to yak upeld balance until de upstd billiards is paid I. full. Teia mess dot you may still owe Rrhsrae changes, even H you pay do entire New Balance indicated on the tram of your sto m arm by to next eralement dealing data, but old not do r for the previous mash. Unpaid Rronee changes t c are added m the appflkable aeynart?? ?dAawum. . hair accounit Fbrsles FsAimt to Fq ach d R EEE OLARGE *O riOO WIN p If f ytohee periorfle r ulat ae(rV N br then M160,wetwig Watt that amouis flan due 4kii m'm *m and the dffarence willbe billed to the purchase a steam. td. Tarrperay Re ksoi In Flrraa 01rgs. We reserve the dgm to not area any a all Rnane chetgn mr any givan 2. Abveya?rg =- a. ew Rrdrsrl• Rrwnce Jorge Is alculmddpli tine dasy balance of each segment of you acoauht (e.g., ash advance, purchase, special inmates, and apectal purdose) by the coreporhdng dally pedodc rates) that has been prodaury disclosed m you At do and of each day du the tlakhg paled we apply the do pe to dodc ree far P. up segment of you account to is Visits of edit solimim. malts of theat to and m dsloiCddLdas to aldve a Aneande charge so& WW an to M W at hthe mW ped??adc mouths i Since charge for you meoram. To gat to duty prance for each segment of yea accou m, we take the begkring balance too each segment eel add any new trassad and any periodic RMroe charge calculated on the previ" day's balance for that mgrnent. We than subtract a Payments OF craditio to Useg mera. This as I that day thol am rty os iha separate daily balance for each segment of your account. However, if you the New Brain shown on your preias stare mere In fhil for if your new balance wr zero a a credit amount), new trarsacbone vdiuhh poet m you purchase or special sagmarms am not added balances, We dibula the swags deity b to by ad*V all the daily balances together and dvidnp to sum by to member of the days In the common big cycle. To calcium you total Science charge, yak average daily banana by the nxtdp dry petiole rate era the mmWr of dove in the killing period Due to rosdng m a daily bas, thee may be a eight variance between this calaW doll and the amainn of lmonce -?a actuily erwed b. H the code Z a N eppeeh m the from of IN. sla enem next m'13dence Rate Applied To: we mdlisly to 1 lesson tt Nolss: Paymalta you mr m W will be credited to yak mcouatt a of tlh business day we receive it, provided (1) you Fond the bottom pomon of this eaemenl and year deck in the erhdosed mnhtane envelope and (2) your Inymem is received In ow prxawlrg carter by 3 p.m. Er 112 roon PT). Please stow at last flw (6) business days for pond drwryPaYmiharts rsalved by ue at any oho locator m any other form may not be credted an of the day we receive dam. Our businesses days am Monday through, Sandsy,:-bx1 g holidays. Pisses do not awe staplr, Ppsr cis ate. vASn ppmappaadreg Yous paymam Wlwn you send u a c hockls), you adhalze w to make a onetime electronic traMtsr debit from vow bank accarrt for ds ensure of ds deck Tli aWerizstlon spokes to MI Gscb rocaivad during; the bRktg cycle aver if Bart by someone else. If we amot process to transfer, you au di u to make a charge ogainet you b" accent using the crock a paper draft or other than, peoplepc- online u A better way to Internet. 44 1 Surf up to '• Sx fastertt FREE Accelerator tor0a teat 12rnontlW-a SBO valeta! i -888-587-9669 +? • • Mention Offer Code: DIAMOND Or visit www.peoplepc.com/go/diamond UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by Symantecr" ® Pop-Up BlockerTIA `? Spam Controls ® 7 Smarter Smart Dialer Technology ® EW More Email Addresses 4go C# Internet Call Waking C• PLATINUM MASTERCARD ACCOUNT DEC 16, 2005 -JAN 15, 2006 5178-0526-0291-6641 Page 1 of 1 Account Summary Payments, C,edirs and Adjustments Previous Balance $959.93 Payments, Credits and Adjustments $.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement If Transactions $137.41 you have already made your payment, please accept our thanks. Finance Charges S.00 Transactions New Balance $1,097.34 Minimum Amount Due $9734 1 14 DEC TRACTOR-SUPPLY-CO #026 CARLISLE PA $17.41 Payment Due Date Febnary 15, 2006 2 14 DEC HESS 38358 CARLISLE PA 12.46 3 16 DEC CREDITINFORM 866-226-3745 5.99 Total Credit Line $1,000 4 30 DEC 0232 SHEETZ 00002Q03 MT HOLLY SPRG PA 10.00 Total Available Credit $.00 5 31 DEC TRACTOR-SUPPLY-CO #026 CARLISLE PA 7.13 Credit Line for Cash $1,000 6 02 JAN EXXONMOBIL18 09655531 ENOLA PA 10.01 Available Credit for Cash $.00 7 02 JAN OVERLIMIT FEE 29.00 8 15 JAN PAST DUE FEE 35.00 Atyourservice 9 15 JAN PAYMENT PROTECTION 1-888.527-6904 10.41 To all Customer Relatiom w to report a let of stolen card: 1-800-903-3637 You were assessed a pax due fee of $35.00 on 0111512006 because yow minimum payment was not received by the due date of 01/14/2006. To avoid this fee in the (inure we remmmeod that you , allow at least 7 business days for your payment to reach Capital One. Send pa7mma to: Send ingaiua to: Attn: Ranittanoe Promo ing Capital One Bank Caphd One P.O. Box 790116 P.O. Bar 30285 St Lou6, MO 63179-0216 SLC, UT 84130-0285 F-hw ech&%w Pkweteermvnendeforin"eaat;nforraat;mr BAI-,.b Per. ? 11 PURCHASES 51102257 00000% .00% 5.00 CASH 5.00 :05819%P 21.2146 5.00 ANNUAL PERCENTAGE RATE applied this period 0.00% PLEASE RETURN PORTION BELOW WITH PAYMENT ow 0000000 0 5178052602916641 15 1097340100000097345 PGau1rs1 maB:ndaJe4 ss aeL e-av?J??s 4,1-usag blue or4L kink New Belance $1.097.34 Minimum Amount Due $9734 St--t Apt/ Payment Due Date February15, 2006 Cry Sux ZIP Torn enclosed $ Homr Phone Alkrmte Phone AccounrNumber. 5178 0526 0291-6641 a #9001502909864023# MAIL ID NUMBER CHRISTOPH B CONA Capital One Bank III 4902 CARLISLE PIKE P.O. Box 790216 11111111111 l n 1 t 1111 1 t` APT 246 St. Louis, MO 63179-0216 a MECHANICSBURG PA 17050 m _ Plane -deyao anorrat amber on your check or money arde ma&,p Dwb1e to Cgoitd Ow Bank and mail in the endwed escalope. peoplepc- online u A better way to Internet. UNLIMITED INTERNET ACCESS EM& 1-888-587-9669 a' ' Mention Offer Code: DIAMOND Or visit www.peoplepc.com/go/diamond PeoplePC is eddy responsible for this offer, and is not affiliated with Capital Ore. Capital one does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are Sol* owned by the respective etdty. N this reserved. By responding to this offer, you may be commuuptng information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'Peopi Orkw First 3 mcrt)ns are bled at $1.97 per month; $9.95 pet month thereafter. Offer available to new dal-p subscribers at least 18 yews 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. tAcceleracor N free for 12 morphs. Offer good for limited Or e. After the first 12 months, the Accelerated service w11 aukmok* rrwrt to the standard PWPWle C Online service. Offer aubled to change at anytime. With Peoplabc Cn5ne Accelerated, chain Web page text and graphics will load faster when compared to standard CM -up Internet service. Actual results may vary. PeoplePC Onfine Accelerated is only compatible with PeopIePC Onfine Intemelxrvice and Specified Windowa® browsers. PeoplePC Online Accelerated 6 not compatible with Windows(l) 95 with E 5.5 SP2. Service not shapable in all areas. Access teas, faxes, and other teas and resbiafons may apply. Telephone toll charges may apply, even durkg trial periods. You are responsible for determining whedler a call to one of our access numbers will result in telephone toll charges. Acosta may be limited, especially during times of peak usage. Dit-up numbers may be changed at PecplePCB discretion. Continuous use sulyect to fimeout procedures. AN use is subject to PecplePC Online's Services lgreetrle nt and Acceptable Use Poky. 56K is the maximum speed of service; actual speed may vary. 0 2098 PeoplePC Inc. All Rights Reserved. Peopli Online and its logos are trademarks of PeoplePC in the U.S. and other countries. 0 2008 Capital One Services, Inc. Caphd One is a federally regotered service mark A8 rights reserved. 1 S g O 0 will have a minlmun grace period of Hence dimerye on mw purdhsses, new with new apeHal µrdmeses end new alhar eng for h c Notice for Payments below, It he by your rem samment dosirq dam. Theca Is m grace period M cesln advwrces eng epedai tramfero. In eddtloy there Y m grace perlod rn arty framacloh N you do rhos pay the mrd New baiarce .' b. a Aosrulnq Fkses ? Transactions which am not urge 1) from the data of the transaction or 2) from the dole the transaction is preces I to yam Aceard of 3) iron the first calendar day of Oe aamm bHng Add WWIV, If 4 pedid not riod ti hN e'N dBu?• 9M.". rom 1Is Previous I he =m updd bdance mail the unpaid locommas to bos Is atoms to Thh yy P? In TUI. rears that you w imincer charges, You WY the entire New Belrce indicated m the fr of i. yea statement for t by the mot aluminum closing diem, but did rat ad So s for the previous mondt. onth Unpaid finance charge. are added to the appNc seems at you Accost. t c. hiasw Plaits tlsgs?For each tlpkhg pesod that must Sri- tlharps ram appNcatiom of periodic rateW Y des Omerm 60,the we vi MUmr tlst amount from to $0.60 mirimm and to dfkeance via be baled to the Pudsr segment of veto accoi td. Trnprav Reduction lea FMes Chrga. We reserve the sort to not my or ..1 Snonoe charges for any of- t.evRmanceq?charge Is sdwulaW byNrdspt?Wos daily balance of each segment of yet" "moms (e.g., cash advance, purchases, special trarrmr, and apedd purchas) by to mresima i g dally pedodo rate(s) Out bas been Previously dowsed to you. At to and of each duy d the bMV pesod we apply 0e dally periodic rte for eedj = of yaur'aocwht m Or deYy kdence of each the results T tathess end of the big perlcd, weyaadrd up of calculadonse at pedodc /nrce droryge /o each iegnersm ere add mp tM ?Am Mhenoe from segment to endive at One total period c roe for Your accoam. To got the dally balance for each segnerlt m Yom aocam, aWo take Oa heytrirho balan and ace for each roop. memlodc itionce m. CUrrge?ralalat?m the previots NY's tiafanoe for that eegmenr. We Gen subtract my pnymerhts or creels posted as of Out day Out am allocated to Gun -9 ... This; dues u the separate duty baance far each segment or T; craws. However, 11 you paid Oita New Reface ahovn Previatr hrtatanem In fu/ If Your rum balance was zero or a credit amount), new Sad to yam Purchase a spedai purchase, SegntaN are not added to V. daily balances. We botoogeRrr Mind dividing 0 urn is sum by She a of the dap In the wren blip cycle. To calculate your tool enarrae care, multiply Your average daily balance by the dot pe sodle rate all by Or number Of Nye in to blbv PeddL Due to sounding on a daily bads, them may be a Slight willange between this calculation and the amont of b. I1 the code Z or NR appeero the from of two ssrnent mot m 'Belerce ate Applied To; we multloy the ?rtmc, psarce or earn segment saw day, am any new tratmciarr to each segment, and Subtract myf that a credits. (If to coda N appears do the tram ? meramers next to •BNance Rate Applbd To; war also subtract any wRid Mwha charge included in the balance of each sepitios.) Thle gives w the daily balance of each Segment. Then, we add tp all the dN1y balenc?eS fa each aegnem for the tlNirq pesod and divide by the tonal rarnbbegreof dap If, to bIIWg pa.. This gives us the 3. As -' Par daily balance of each aegmmem. B. The tom ? IAFRI. Parremaga eme• may appear es 'APR' on the front of 1Hs statement. b. If the coda P g, L Prime LIBOR), C (Ce this st ), or S (Be ankto t Prime) appears on the from of f this sutanam next to the periodic rate EN the perldo Mes and quarterly ANNUAL PERCENTAGE RATES hey very toindices arterland may Increases or decrease based rn the sated , as farad In in The Well Street TMs . Plus the ahrisahdaem e p ?ordY disclosed to you. es ttectl an the t" day of yea AN nil pe _. cewred bY--your padodic satemart endrhp Yous' c same the moron previously disclosed to you These changes will be effective on the all day of your billing period each month. a. Aswrnra d kaSa, Ov~ rd Rho -- Paymrs Fat. your eccdaa wi ba tressed m mom then two of the Tees Noted him then coax during rry boiling period Undr the tomm wdw of rot exam ageernertr we n mores Ore ddht to any tees wmnu[ pbr notiNradat to amo" wdvkp =w our right to astir dhe serve or similar er a lemr tine. T IR-m irit You Aeaaat. If a membership fee appmro on, the from of this sretrnas, you haw 30 days from the dam this emmmot was nulled to YOU m avoid peykp the lee or to hove such lee will to you if you Sawn yon acceua. During bias period, you ma continue to y uto& Tyouir account o a" wetlhamd heviho to pay time mambo" notlfy ca W c+ftig w Cuetnu tier ReledoihsyouDepemust Mhrs ff VW eruct psv vw'New BaWCe• kit ill re>?aaha. air ur across otr wears. Tau can regrow to mere Mpnv Var? destroy Qrtaner Relsdoms lay your credit card(s) ad +cmat access decks, -rood r Pmrrtcdzed bNlhg, ad cesse yam accent. N you do not rmcd DmrahsdzM of ours rreras, we will consider mecelpt a charge your ralsdzeton to accent. AdddraNY, War acoolaa will no, be dosed -A You Pay so amounts you ova US kwkxft my trmmKdom you how eWmMzed, Mr"ce Barges, pas due fees, ovedkrst fees, rearmed paymera met, rah acoaaa. You era responakie, for fees e h se am un Your Oily appear rn y eoceua at tMtrm ?re vas you request to dose the arsomm r they em incmrred risequerrc m you ragrss m dose to actors. Tnis hey resit In drrgea app W- rn Your ecpout after you Mve your account if it has almady been closed. Far example, if You atntedzed a puadrss from a merch and we receive the trareetlm from ere mordum after yam account has been dosed, yam account We be leapened, the error at Ure change VA be added to your account, adyau will be a for payment. s t, is a ours sip fee for Vour account , the fee VAN Sonars, to be charged, m theDean PMd let its a ®tmntn pematted by law, 14 the aocauH it once tits s defined above. 7. thYq Your Aeswne.Vour card or accent cernat be used in connection with any Internet gambling tonmc to s. 8. Niles ALat Elaprarfp Chase, Carwdm. When you provide a drek as payment, you outhopho -direr to use kdantadm /ran your deck to mks a onetime electronic fad transfer Ire11r yen bank account or to Droe s Dewnerrt as a deck tunractlot When we the infoamtrfmsm furs tratrler, frahda you deck to make ah electronic hey be wlaatram from Vote hark account as soon i= e NV cdve Wurk from ent all you ceive yam deck bec ypaymour Mw,hcal krd.M.. BILLING RIGHTS SUMMARY (In Case Of Errors Or Guosdore About Your BIID If you tNnk you bN Is vsrahg, or ii you need more information rn a trarrectirn or blN, who to w rn a arms, separats sheet as soon as possible n the address for irhgddes Shown m the from of this statement. We must you m later than BONys after wo Sam you the IM bill - which the error or =r=You call our c stomer Reletlor mwill not Preserve your d". In your letter, give Us the following information: Veto name and aocort marmber, the dollar amount of the suspected ear, a desodptirn of the error and an npfamtiom, it possible, of vvih you believe them is an err; or If you used more Information, a description of uM hor I you am areas about. You do not Mve to pay any am n querlah voile caw ere Invest! h, bon you ere stlN otllored to pay Oe pma of your hhlill?f that are ra[ In quesdrn. VJNb vue Inveatlppeato your osatlon, we carrot report You as hfeNrngmrerht a take arty acdon to ,blleet tM amount you quuestlart. l,t Special Rde For Credit Card Purchases If you haw a Problem with the quality of property or Services that you purchased with a credit cam and you w tried good faith to cones Oe problem with the mamouu e, due M you the have the right rot m pay the remaining pmedlon W property or Man Vou have this tthhee pmrchaae dice was mom than within 100 roses o remeino add. (if v: own state or aperem to mmchsm, or if we meNed you the advertlseman, for the Property of SeMces, all purchsses a mss rememb rF(jN fin aprr as of purchase.) t Does not apply to consumer eon credit cart/ aeeaats t Does nor apply to b-iass aarered,1 cold accounts One supports Info-MOM privacy pmeNon: son ou at www.ca can. Ora is a dy reaetsred rrvico mark of Capital ther erwi Mod Mai Payments; rhca you mall to us will be cmdited to You, accent as of Oe business day we mcsiw h, Provided (1) You *NW the =Z mlon of die statemorm and you deck In envelope and (2) yon payment Is received In w processing corner by 3 p.m. ET (12 r cat PT). Piesr slow at (6) busMa day for petal del-ry eyrrmams nocaived msra rotlrr IocatlNf of IpnrpcarydrogtMyra team ymmaeyrnn?ot be cm Jim P _ as of the day we receive them. Our bWnew days am Monday through Soundly, m"= holidays. aocecrn tlr?atmrotad as 1 `" etc Ors Deck This suthalzotan applies to a1 dsclwu iocsved dW7 the b?111nglecydle owwn If amts by msomeono a sho k, Me. If we01 pr oocesss tie trar si YOU WILNCdze ms to make a charge against your bank account using Ors check, 8 Paper draft or other hem. • Now with FREE Accelerator • for tl» first 12 nuuM st-s $60 voibe 97 a month for feat 3 momha: $9.95/mo. thereafter SIGN UP TODAY! ' 1-888-587-9669 Mention Offer Cale: PEARL Or visit www.peoplepe.com/golpearl Capnal o ` PLATINUM MASTERCARD ACCOUNT 5178-0526-0291l-Wl JAN 16 - FEB 15, 2006 Page 1 of 2 Account Summary Payments, Credits and Adjustments Previous Balance $1,097.34 1 15 FEB PAYMENT RECEIVED - THANK YOU $100.00- Payments Credits and Adjustments $100.00 Transactions $45.21 Transactions Finance Charges 000 2 17 JAN CREDITINFORM 866-226-3745 $5.99 New Balance $1,042.55 3 18 JAN OVERLIMIT FEE 29.00 Minimum Amount Due $42.55 4 15 FEB PAYMENT PROTECTION 1-888427-6904 10.22 Payment Due Due March 15, 2006 As a valued Capital One customer, you are eligible m receive a free Year-End Summary for this Total Credit Line $1,000 specific account that recaps your 2005 cbarge% Provided your account is -good standing and Total Available Credit $.00 you have made transactions during the calendar year. Rease call 1-877-794-4487 before March 31, Credit Line for Cash $1,000 2006, to resew your copy for this account Orders will be mailed out by the end of Aprd 2006. Available Credit for Cash $.00 "Important"` Due to a system error, the disdosures that you previously received regar"w your At your service poet?efault A P.R may have been incorrect If your sera increases to the Default A.P.R. disclosed with your offer and we receive your minimum monthly payment on time for 12 consecutive billing To call Customer Re6tloms or to report a lost or stole card: periods, your A.P.Rs will change to the A.P.Rs previously disclosed as applicable after the 1-800-903-3637 0512006 billing period. The remaining portions of the disdosure were correcL Sod pgmanb to. send inqaida to; Attn: R-ttance Proendng Capitd One Bek Capital One P.O. Box 790216 P.O. Boa 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 Finance Charges Meme sea reverse ndefor mrpmtmt imfarmatios 4 Sdaverak Ariade co- 11- Mae dS gyefrdtn rats P11 m PURCHASES $1,127.04 CASH 000 .00000% .00% $.Do .05819%P 2L2 000 ANNUAL PERCENTAGE RATE applied this period 0.0096 T PLEASE RETURN PORTION BELOW WITH PAYMENT :apf ow* 0000000 0 5178052602916641 15 1042550100000042555 New Balance $1,042.55 Minimum Amount Ate $42.55 Payment Due Date March 15, 2006 Total enclosed $ Account Numbs: 5178-0526-0291-6641 primtmailimgaJlnu a md/ore-mailfh-,-Arlo.-rgbhro 01.4 mi steer a 'y sore ZIP Home Phone Almma Phone #9004702809864026# MAIL ID NUMBER CHRISTOPH B CONA Capital One Bank 4902 CARLISLE PIKE P.O. Box 790216 Idullludnsltlull APT 248 St. Louis, MO 63179-0216 MECHANICSBURG PA 17050 Irllitttllttttllltrtlltleillt4t se I t 111111111111111111111111111 ° ? IIIIIII let III.... 111.11... 1111 II Pkme writeyom affoent xvmbn on yon dwk or money order made payabk to Capital One Bank and matt in the emkved envelope peoplepa- online A better way to Internet. PeoplePC Online offers all the features you would expect from higher-priced Internet Service Providers, including: ® *us Protection powered by Symantec- ® Pop-Up Blocker- Spam Controls Imp smarter smart Dialer Technology 4p Lq More Email Addresses ® t# Internet Call Waiting r peoplepaa online %1? A better way to Internet, UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-888-587-9669 Mention Offer Code: PEARL Or visit www.peoplepc.coMgo/pearl a? aaaa? 8 O O}o? o dS t 0 ton P80Pf PC is solely responsble for this offer, and is not affiliated with Capltet One Capital One does riot provide, endorse a guarmes, aril is not affiliated with, any product or sanice shown here. Any trademarks mentioned herein are solely owned by the mapedive salty. All rights reserved. By rsport6g to this offer, You may be cammunicating information about yourself fo the company that provides this product - for exarrgtle, that you am a Capital One customer. TwplePC Online: First 3 morthe are billed at $4.97 per month; $9.95 per month thereafter. Offer available to new dial-W subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to charm at any time. RON technical support avail" for $1.95 per minAa Moodem it is he for 12 months. Offer good for Nested time. After the first 12 lands, the Accelerated service will automatically revert to the standard PeoplePC Online service. Offer, subject to change at anytime. With PwIYOC Online Atimendled, certain Web page taro And graphics will bad fester when compared to standard dial-up Internet service. Actual resits may wry PeoplePC Oahe Accelerated is only, compalft with PeopleK Onfine Internet seise and specified Wirdowa® browsera, PeoplePC Online Aeceladled is not compatible with Wndowe® 95 with IE 5S SP2. Service not available in All areas. Access fees, taxes, and other fen and mshfctions may apply. Telephone toll charges may Apply, even drug trial paiodv. You as responsible for determining whether a call to one of our access maritime will rant in telephone toll charges. Access may be limited, especially daring times of peak reaps. Didtiup numbers may be charged at PeoplePCa discretion. Continuous use subject to tineout procedres. All use is subject to PaoplePC Onfirl Services Agreement and Accept" Use policy. 56K is the maxinxrm speed of service: actual speed may very. O 2098 Peo*K Inc. AN Flights Reserved. PeoplaPC Online and is logcs ate trader aria at PeoplePC in the U.S. and other countries. O 2008 Capital One Services, Inc. Capital One is a federally registered service mark. Al rights reserved. W hh von Fly r or aatenent, We um the ng balance of aeahb sepnem each day, add my rrow or ranissadere di (11 tlteo?o 1, N ep?p`a?andm?"taafimonat of Wys amen atetement rem m 'Baann Rate Applied To,' we also sbtraasaen?y Wippaid triarce, Cheri ntlWed in Use balance o`aeOn? . Tltart, ghme Far p SH that dally Glitees for each segment for the NWAV paned and divide by the caul member a days n the hN1Yp paded. -a gives us the awrase dilly balance of mch .Bgmern. A. I ne R'innon 'Anew Psrrwtpa Rate' may appmr as 'AP Uhe fontof Wa aaemem. b. N the code P Pdnu), L 0-rrho. LIBOR), C (CaUMate o Depoaalat)t?or 11rdrardd Prime) appears on the frail of saes and to the periodic rate(s), the podads conespenMnp ANNUAL PERCENTAGE RATES may wry quarterly and may Increase or decrease based on the steed Wallace , a fonds The Waa Strat Joars/, plus the red proviodY disclosed to you. Them changes ova bet won the film day of your ningg !td coveted byte yes dents suteman fie,-. erring Moment, rand to tne pedorac rants), the ppeeride rata V arrapahfng ANNUAL PERCENTAGE MTES may vary mamldy arndd may Increase or decrease based on the .rated indite, a fond In The Well Suet .lemma;, plus the margin pleviouly, disclosed to you. Them dhaapes wig be effective on the first day of your biting period each month. 4. Asssssmard a Late, Owsiak and Resumed Poo wt Fees. Vac accent wr be amassed w more than two of to fees, hoed secs the occur dung arty berg pentad. Under rte tame of your aaraner agreement, won resistive the right to will a not to assem try tees without abr rhotficaton m without wdvkg our ryr to saner Ifn sense a.irnaa e Infer title. 5. Your Assent. If a membership fee appeere on the trot of this statement, you have 30 days fmm the time this armnort wee =you you to avoid paying it. tee or to haw ash fse Ctedoad m you if you caned your, aaccount. During this period, yam may Dontinus, to tmeyo rr without having to pay to youraaant,youroar nedfy usby rarrag our Qamnar Fpelatiorr DAParuraeM and Pay yyoou New Balance' in fur (noduu3g the 8. N mono Yw , `fec YevPda m theyet a the tirtydey Pad- Cbss Aeaarrd. eat ash retrnesm m d ose ax;ouw accer sacks, ranee ON presufgdted brig, acct tae vas aacorw. If you do not crhod Dreaualhenkad big arrangements, we will consider mcept of a charge. your authorization, to octet. Additionally, you sccaut wr not be cased uuta you pay r am i m You owe k. traer:tiaa you haw arbedzed, M1hroe spat due fora, owdImk fors, retuned payrmt fees, y advance m ? try other form amerced to your gym. responsible for these they Appear on your account et thet m Veit request r iops ca dose the amount a they am incurred subsequent OF yon reghees m does the adaut. Thla ley rob In drrpa? ePPearkg a your amour after you have your account d It ties already been dosed Far emnple, If you audrodzed a purchase from a mhadum and we reodw the traaactan ham the marclum after yea account hem been dosed, your accent wet be rooperhed, the amount of the the v Ul be added to ywr account, end yyoauu ova be reapamsle for payment. If there Is a mw"mtap fee fa You acorn, are fee wr candrne m be rged to the extant pemdrthed by law, ura the .91b alance has been paid in fur as defined above. 7. tlkrg Yar Aoaaat.rar card or account cannot be used n arvhectian weth m y knernet garhbing 8. Nhr I Alan EHakaNe Cheek Coaverski Whe you provide a check as payment, you autodze tar albs to use nfomuUm from you check to make a ens-tine eNCtronic fed transfer firm your bank accent OF to from Pra:ind Um peNmam as a check transaction. When wo from kuW transfer, firhds your deck to make an eiectrondc may be wfadrwn from you bank accona m anon as to same day we reaiw your payment, and you ova not receive you check back from your lnrhdd WdaNon. WILLING RIGHTS SUMMARY (n Cam Of Enom Or Questions About Your Bel) i think your tr arectla o Mk M wrap, or If you nmd more adon an s r bill, wdu to u an a mpaats abet as man a passible at the address car =rim shown on the from of this aaeram. We must hear g%= lam then 80 dervy site we sent you the fist the anal or p cildem appeared You an call our Customer Relatlane number, but doing se WE not preserve Your do" In Your later, give us the follow, Informada: you name and ahxnm amber, the dour anwun of to suspected error, a description of to error and an Ireton, N Pealble, of vNw you nileve them Is an rror or you need more Imome a description of the itern you are unsure about. You do not have to pay any amount In question wfpte we are nwstgatirg h, bu you are atil ahlipsted ro pay the wru of yvm Nf the ,re na M glaition. lNhte we nwstlgna your pusstion, weha tslot report you as delinquent or take arty on to ahe amount you gneation. 4,t Special Rule For Credit Card Ptichisom ImM? have S tat problem Win the quality 01 property or have tiled In you purchased with a credit ard and you good faith to arrest the problem whh the merchent, you may how the right rho to pay to ramming amount due an the property or services. You how this protection oNV when the =.r -=r n $50.1x1 and the ptrchese n ee or witiin 100 milas of your mtaaig ackla ss. (If we own or operas the memhatt, or if we maffed you the adverdsemenn for the proparry or servlaa, eN purchases ere covered reperdier of amount or locatleh of purchase.) Pleem remember to sign all trtespehde ce. t Does nor apply to conmener non-crealf old accourde 4 Does not apply to business narraedit card accounts pdvacy protection: em our red service mark of Capital T a- hiss Paned. You will have a minimum grace period of 25 dap without 7rherace therpe an new purchases, new balance transfers, new apetlal Purchases end maw abler ch°IfY W PsY?Yw mid 'New Balsas', in and in fine fa It to be coodred by e?? your, f for ne psr a be axt d, stmte hallow, ll cke.P date. There la no grace period on cash advances and spedtl ttanelaar. In addition, there N ne brace period balaroetry tranucdm N you do not pay the total New .' b. Aaau k g FIF Charge. Tra eactlam vil ich are not from the data Of the transaction or 2) from the date ) ra irarrsctian is proeened to your Account or 3) ham the art calendar day of the cuuremtt Nine pan?iod, AddtirWly, N you old not pail to 'New Balarade fra DreM aua bldg peiod in full, tknenade cheges Oallatt trs 0 m somas to Yam rnhe belaroe unti the unpaid balance M paid in full. TNs that you my via owe lnarha charges, even if You pry the entre New Bdaoe kdcaoed an Use here of your summed by the Morn stermnern closing date , but did not do m car the pmvlos made lhpim Ururha dharyps t c. ahiinssn Fkrarwsaagqtleercctyts for arch NFhgryeperi t. ?`tal RNANCEbf3W E of $0. ova be Yiposed m total total francs charge martlr a from the a if ar. pedo6e ram(d is lase the j0.5o, -!=. ;het 8ffwm font the $0.50 ndrlmst and to different vita be bred to to passes mprism of You amount. td. Taniparary RsBesl0, in Firma Charge. We reserve rhe right to not scar try OF as finaht durym for any given 2. Av= ji /eases fam&., Nwv Prrtlr.,. a. Finance charge is alcul 6y mulZ". to daily balance of man accourn advance, clan IF ` ( IF and nd venal spud-) by the hsrrmPondirg lefty Palladio ramps) tat bee been previoraiy disclosed m you At =d= clay dudnp the balling period we apply to te for each sepnhrtt of your aocarn m the dYV bdrht of ssdh sepnart. Then a the and of to bring Period, we add up the reahu of Uase dyy ralnlsliars m ardve a pectoris a mea abe segment to each arrive ve n an the t We most add up to It- did fa periodic gal You account. To get the they bid. for each bales W each ` aeo` Vout ?`, we rake i till sed-p- tt and add aarrtyhy new im rsaGtlam end anal pedoAC balsa clogs caaasted on the pravioue day. bei for that segment. We than subtract ary payments a crediu posted es of tat day that ate elbcated to the mpmd. This gives us the separate dally balance oe ! `wno` oYour account. n yo r previous suremad In fun (a Balr-.V=11 If your new halos was zero a a cmdt amount), new transactions welch post to you purchase amend cWaldlere the am rot added to the dally balmom. We .1 to daily lroes together ? di I vidrV th em e sum by ba number of ft drys n the wrens tip cytle. To alatete Y. total inset clherga, nsltlply you averaoe dally balance by the u1alfY pedadc rate rd y the mmbar of days In the bih9 period Ua m reeling on a dairy beefs, there ley be a Fill wriroe betweon this ealrletiorh and the annum Of canoe cape ecbaFy assessed b. If the code Z or N appear on the fiatt of We aaemerrt next m 'Bamoe Rate AppYed To; ova multiply the far eams NsWs: Paymeme You armed s will cred`em l to Your 4 received as of the business day wn receive h, Pmvldad (1) you send to bohan pals of t is srtemom and your check In the taacamd remnant ps In outt processing tatter by 3 p.m. ET (12 rheah PT). Ream stow at lean Aw (5) h k_ de for Peymems received by us at say ottherIocadent or in anyother Im, ?mrrayyftnot Ia created as of the der we naming twra. Our budnsss days are Monday throuyr Saturn y, son Wlrq hci?diw. account }arils amo?of 9rddackbTH aurfetizs`tl as apples toast; antis rceivad duip to gong cyq am If am by somake 8 Orwtis electronic meone Alma, If va, "mot `process t?`e trar`naor, your youbaut prize us to make a charge against you bank accam using the check, a paper dram or other hem. C GW 1 what's in your wallet CHRISTOPH B CONA... just in time for tax time 201721 • tax smarts • This year, tax day is the ! 7th- it's not an April fool's joke, you really do get two extra days. Refund? Deposit it in a 017 Capital One' High Yield Savings Account and earn interest. Owe Uncle Sam? Pay your taxes conveniently with your card. t P*e 2 of 2 CHRISTOPH B COMA: 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 wwwcapitalone.comilisavings 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.' 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 One! ¦ H&R BLOCK' I $25 OFF tax preparation fees Capital One brings you a great offer. Make tax time a better time! If H&R Bkyck 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, if you're a new H&R Block client, bring in this coupon and get $25 off tax Preparation.— Visit hrblock.com or call 1-800-HRBLOCK for your nearest location. COUPON CODE: 71480 Offer expires 4117/2008. I -Please see reverse side for details on tern. and oonditlons. e ((I F what's in your walleW ,,,tom Plan think ahead Refresh start off right Get Going make things happen $20 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. To contact a Jackson Hewitt tax preparer in your area, call 1.800-234-1040 or log on to www.jacksonhawitt,com. COUPON CODE: U4H3 Offer expires 4117/2ooe. *Please see reverse side for details on terms and oondibons. CM~ 0W I what's in your wallet?' * Zri rar?i Sam C fill ri i 0 b Q r uS r ?m ...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 One card as a convenient way to pay.t Visit www.irs.gov for information on paying by credit card, • Getting money back? Visit www capitalone.conVsavings 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. C.a cw 1 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 affiliated with Capital One. Capital One does not provide, endorse or guarantee any product or service shown here. By responding to this offer, you may be communicating information about yourself to the company that provides these products - for example, that you are a Capital 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. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. N • 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. Specializing in electronic }ding (IRS e-file), the Company provides full service, individual federal and state Incoma tax preparation and facilitates related finarldel products, Most of Jackson Hewitt's offices are independently owned and operated. Good at participating locations and may not be combined with any other offer. To contact a tax preparer in your area, cad 1-8M234- 1040 or log on to www.jacksonhewkt.com. C4~o I what's in your wallet? I I H&R BLOCK' I ' If, due to H&R Block's error on your return, 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 offices 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 not be combined with any other offer or discount. Expires 4/17/20013. Valid only for tax prep fees for an original personal tax return. A new client 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. 0W what's in your wallet7- P", Now wNh FREE Accelerator for the list 12 monthsr-a 860 value a 97* ? 1 V amonth for fist 3 mantis; 59.95Ma.thereafter SIGN UP TODAY! ' 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.oonl/go/emerald Ow ^s Account S Previous Balance $1,042.55 Payments, Credits and Adjustments $.00 Transactions $51.37 Finance Charges $.00 New Balance $1,093.92 Minimum Amount Due $93.92 Payment Due Date April 15, 2006 peoplepa"online ?i 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! ® Virus Protection powered by SymamteCTM ® Pop-Up BlockerTM 1?7 Spam Controls 40P 4 Smarter Smart Dialer Technology ® EW More Email Addresses ® % Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0526.0291-6641 FEB 16 - MAR 15, 2006 Page 1 of 1 Payments, Credits and Adjustments Your w1 duled 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. Transaction 1 15 FEB CREDITINFORM 866-226-3745 2 15 MAR PAST DUE FEE 3 15 MAR PAYMENT PROTECTION 1-888-527-6904 $5.99 35.00 10.38 Total Credit Line $1,000 Total Available Credit $.00 You were assessed a past due fee of $35.00 on 03/15/2006 became your minimum payment was not Credit Line for Cash $1,000 received by the due date of 0311512006. To avoid this fee in the fiam 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 alt Customer Rdatiom or to report a lost or stolen aid: 1-800-903-3637 Send papaatt to. Send is piriea to: Attn: Remittaa Proeeising C*w one Hawk Capital One P.O. Boz 790116 P.O. Boz 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Please review the enclosed privacy information and retain it with your account records. Also visit www.capitalone.com/aeditcards and click on the Visit the Guide to Benefits link to lean about your latest Visa. or MasterCard. account benefits. The desarptiom in this online guide replace any information you received in the past For a copy of the Guide to Benefits, call the Customer printed number on the back of your cad. F-mance Charges - Plesrearrimsmndejarimp0rlantinf6/moion - B.L-rwe Plr+ndir Con fP d WEE N geplirdm ? R PURCHASES $1,04854 .00000% 0096 Loo CASH A00 .05819%P 21.21% LLD ANNUAL PERCENTAGE RATE applied tine period 0.00% T PLEASE RETURN PORTION BELOW WITH PAYMENT :01PIWOW 0000000 0 5178052602916641 15 1093920100000093921 New Balance $1.093.92 Minimum Amount Due $93.92 Payment Due Date April 15, 2006 Total enclosed 5 Account Number. 5178-0526-0291-6641 Capital One Bank P.O. Box 790216 1111111111111111111111 St. Louis, MO 63179-0216 11111111111111111111111111111111111111111111111111111111111111 PA-p, r,,,ol z Ai _'Vr rwUJmiarsbekaxr;nd66rrorhl r.E Street Apt t GTy Sac ZIP Home Phone Alrernaa PMne EmaJ Addre• #9007502809864027# MAIL ID NUMBER CHRISTOPH B CONA 4902 CARLISLE PIKE o i APT 248 r MECHANICSBURG PA 17050 m ° ? 1111111111111uu111111u11n111 Pleare writeyorer recount nsmberon your check or money order madepayable to Capital Om Bank and mail in the em1wed envelope. peoplepc- online N--/ A better way to Intemet. UNLIMITED INTERNET ACCESS SIGN UP TOOAM 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.oom/go/emerald PeoplePC is sobly responsible for ties offer and is not affiliated with Capital One. Capital One does min provide, endore or guarantee, and! is not aflliaW with, any product or service shown here. Any trademarks rivnti ned herein are sobgy aimed by the taspective errtky. AN rights reserved. By responding to this offer you may be communicating information about yourself to the company dst provides this product - for example, mat you are a Gtprtal One customer. TeoplePC Chime: Feat 3 months are billed at $4.97 per month; $9.95 per month thereafter. Offer available to nm dot-up subscribers at best 16 yeas 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 mil tAcceWalor is free for 12 moMM. offer good for limited time. After the And 12 months, the Accelerated service will apWrnatgcdy Nvet to the standard PWpiePC Online service. Offer suhbd to change at arydme. Wdh Peal l Onbne M.cdembId, certain Web page text and graphics will bed la" when compered to standard dial-up Internet service. Actual reaps may vary. PeoplePC Onfine Accelerated Is any compatible with PeoplePC Online Internet service and specified W indows@ browsers. PeoplaK Onl'ale Accelerated is not conpstiNe with Windows® 95 with IE 5.5 SP2. Service not available in all arem. Access fees, texas, end other fees and restrictions may appy. Telqufrone toll charges may apply, even di ft trial periods. you am responsible for determining vAs6rr a cal to one of our access numbers wig mil in Walplhone tot charges. Access may be united, especially during times of peak usage. Oil numbers may be changed of PeopIsPG% discretion. Continuous use subject to final proceduw. At use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 5W 13 the madmsm speed of service; actual speed may vary . O 2906 Peophil inc. All Rights Reserved. PeopePC Online and its logos are tiafernarks of Peo1AePC in the U.S. and other counties. 0 2006 Cooked One Services, Ina Capital One's a federally registered service mark All dgtds reserved. lllllt? IIIIIIIII? lr s 8 O Qyy b C N I iaW To e. Draw MFow 4TagA an low a on n o pmts period of 26 days vAdtaw Anerwe charge on now, punrhw d new charges If you u s, thew I" ?rrdwe? arhd other uties if you pay your saw In total New for P. , N no a .e a 11. the Yrportse Notlce fa psymenra below, and s. In h tin to it be credited by our roar data.. strtenhenr raw apedel trar Is no gadd dd 1. tlceahp A,ere can, any 1ra1.actir If you do not pas Uo raw New br.hee. b. Aaa^itil Final tas Charge. Transactions which are not ==9=0; =„ 2) frgn M. date Mo) transaction Is processed to vote Aocaatt or 3) from the _ begireing balmee of each segment each day, add any new ch =, and ssntc?s (It the CO& to Balance Rate Applied To,- we also subtract of Wa e subtract any unpaid Anartce charge Included In the balance of each regiment.) This gives tae the daily balance of each segment. Then vve add up all to daily belegea for each segment for to biding od and divide by to total mxnbw of day. In the ling period. TH. gives us the ewragpee defy belsroe of each aegmart. 3. Asset NasM.ga Rdw IAPPA. a. The term •Annesel Percentage Rine' may appear as 'APR' an the frail of No statement. b. If the oode P Pill L (3? LIBOR), C (Co tBrate, of Prime) spliwaria ) next to the pedodc the pfer?apadoo rates and corresponding ANNUAL PERCLMAOE RATES My vary quartdy and may incmw or decrease based on the stated Indices, as foul In The Wag Street Jootal,, plus the margin ."ousy dodowd to you. Thew ohaees will be eifacd" m the Am day o1 your bikg partod mvered by your ppeedodic statement erring in the months January, April, July and October. c. If is code D grime), F (11n IJBOI) or O (3aro. LIBOR Repriced Mortality) appeal on the from of you e ne""m next t the periodic carafe), the periodic rata and correwadM ANNUAL PERCENTAGE MTES may me margin prewdialy disclosed to you. r rose amtgea will be of it on the em day of you hiving period each month. 4. Aswan tt of Late, OMAN* mil Returned Your wooux win be ssseswd no, mom than two of Una feea Naked here Over occur during any hug period. Under the tarty of your mourner agament, we mssrve do right to wvelw a hot m sews dry fees wMa[ aadon m without waivkg ou rigs. to wow the .=:- ekriler I e Mar Omer 6. Ysur Aeasunt. If a membeiraicp fa appears r One front of this statement, you haw 30 o fmin 0 to e fee this Kuw-c or to h auofee crMiller! to edited you to avoid yin you if you csho . Yowl aacou t. Durkg file Period, you may coniose to use your account without hveytg to pay the m embed iw. To carnal your athcour, you must ? us loy ? Sour Customer Rated" Department alience' in full (mdidtg the 8. R YYwpA t the end of ths, Y- an request to I.- you ekxaurr by ce?rg err gatemen Releddir aro D ceat ount a access You checks, ra cathcarayl vs.. d pmsur oothorikarzed biNbg, ax end caw yar socarri. N you eb rot catch prenmla u big arrrgatraas, we vAreaepmendydearr so=". Addtlonall yourmoment Mll rat be dosed until you pay am amours you owe us Yhdedng art ti-M&d" you hew .adontzed, Mice charges, past do fees, owl few, marred poyrnerc fees, cash advance few and any odor taft aerosol to your .coact. You ate resparlhb for tow amounts v*.thr they appear r your amount a the dare yyoouu rege dose the account a they am marred sw.e realastm to your regrosu m close the account. TN. rosy result in =rgw appesig r yarari,he„r1 ccord aftersuyw nh,hhvr,khrh hove wain Mx aranhahr rn M nr H ny yohr mco rd if It has already been closed For exampe, iron a members and we If y'eur aWnrKed a prdhese recehe Ao tr r thorn the merclw after your social has been dosed, your account VAN be reopened, the ayymWo nt of to dparyra_wN be added to your amour meembendsp fee lot your aaooa1. ent. If them a rnm, Ana tee vAk clmtlrae to be du to the exam pemkmed by law, wall the a..." has been gaff in fit as deaned above. 7. Year Awcoa Oa card or account carrot be In correction with any knot gambling v anNCiaO. 8. Berea About IBsekai Clsek Conversion. When you provide a dock as payment, you authorize us either to use Indormaton from yam dock to make a ou-time 01MA nIC fund transfer from your bent atcoum or to twee kwama+iah tyrnemwn yoas a check ur deck to? alit deWhom we ctmNc fed 1121.101, fuhdr may be W lh*.- tram your bank account as 900n as the one day we receive your paymsut, .T yak vAil mat Vocal yar dock back from yah• fkandaI ktatnrdan. BILLING Fill SUMMARY (In Caw Of Errors Or Okostlons About Your Bill) If you tlink you NI 1. warp, or N you need more ttomtatlon r a trenascdr IX bill, will. to w on a Emus sheet as soon as portable at the address for Emus II1QIlrias down an the from of this statement. We must you no later than 60 de after we lean you the gust bill on which this error IX Problem appeared. You can call our Ceatamer Relations nurlber, but doing w will rat postal yard rights. In Your iota, give us the tdlowtng infomatlon: Your lame and account member, the dollar amour of the suspected error, a ascdpdr of the error and a nplarval it possible, of ye, believe tvere le en error or If you need more Intom a dewdpdan of the hem you are urre about. You tab not how to pay any scent In aoatlr vAJb war ere kw-t" In, but you are am adfgstad to pay the Paris of your big sot am nor In question. wTale we In???yq..??•a your we cervno report you as ddxgrem IX teRO My t0 Cdt.ct Ifs err,ourt you gusstlr. t,t Spacial Rule For CmM C4vd purchases If you hew a problem with is quality of property or serwlt08 that you purdswd whin a credit card and you haw tried In good faith to correct to problem with the of soovoces. You he- til m promotion erchant, youymayph oothpw the right noon to pay the remaking amount doe on ft was room thum 850.00 and the pwrcheae me made inn you home state or wtWn 100 mile of yam mafMrp address. (if wit own or operate the merchant, or If Ws mated you the advertisoment for the property or wince, all puresaas am covered regards of smoun a locatr of purchase.) Plow remember to sign ail wrrwpardeae. t Does not apiary to conauner noncredit card accants S Does not apply to bsbass non-treatt cad -cernrts wabeitI One wsuppfceradtssapipn? information Fill protecdom we our Crive la at Alper-ghts rwwrverce wd.. 01 O0 capita on. O1LGLBAK This memo that wu ma add owe fkwhce chagal even if you pay the entire New Balance i dcated on the from, at you "emem by the rants statement daft data, but did not do so for Ave previous month Unpaid Nrharroo charges t re added to to =1 segment of your Account. c, KV.6 s Finance, br or each Willing Pooled that .. ounit 1. t W FIE CHAIGEEkaotff 4..50 will bapepmNrpcpadwoendmKHytoheur rbdi ratels) ;r ss Ahab 20V60,t r gl abnad thin amain fom As 40.60 chill and the dfbraoe wN be billed to the purchase segment of you accent. td. Temporary Radeollen to Firms Chal We mail the tlyd to matasasas any a s.1 Auntie congas far any given hung ppeec??od. 2. Avsrys Bob. r=.ftig Nov Wshaseri. a. Finance durye Is cril, d by mkltlplying the daily balance of each a igrhent a your account fe.g., cad, advance, purchase, spedol trash, and special Purchase) by ft ommopondirg daily pe6UAO rate(s) trot has been np disclosed At tne and of each your 0o hlNrgyp dod we app uy the daiaailyj,_Periodic rat ior?wcn up n in ABM aid Ot YM ha,N P•akgcf. tw add wgrhenuu. The to results of tsas daily calculations to arrive at Your periodic Ana ice charge for adh wilmem We add up Ao Zwhm ban eerh aeghvem to onto at the told periodic Auntie dspe fa your account. To get Ave cled balance for each seginer of you aoeem, we tell the hegkring baiarres for each ? a Ladd achy newensaedarr a days baianee for Am segnerh. We than cad tract arty payments a credre posted w of tat day tat am dlocated to tat .egner. This gives us the separate dolly balance for ear woman of you account. However, If you paid the New B.I.- dhmwn r Your previous statement in (W (or if your new, balace ww zero or a credit Amman), new, transactions which part to your purchase or special original ic e am not added to the daily balance, by adding d ad the eddailyle the av rage bdantow together and dividing Ao an by the number of Ana day. in the amrsud big cycle. To calculate your total trance chal nMrply your average daily balance by the doily rododc rate and by the marber of day. In the bMV period Due to mudng m a daily bads. there may be a slight wrisuhce, between this calculation and the amount of Nnonce ch.?o ecturely aesewed b. If the code Z a N appare r Ao front of two statement =•Bab1.e Rate Appled To,- . hwnaltlgy the Aviv n.A- M win, wn.,vw.r heir mmeNv I Iloliw: Payments you maN to us vNl bs credtad m you auxwutt a of tls buairven riles we tecaiw h, proh4tlad I7) yw surd Ae batten patlr of We eutemam and your deck ranlttanhce M ire T Peymyad by usrt aecaa l . us to :. agai1.t your bank aexourd uwrg tine dock a papa drab or other ham. Q/1e what's in your wallet? CHRISTOPH B CONA 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 PLATINUM MASTERCARD ACCOUNT 5178-0526-0291-6641 BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) C 2006 Capital One Sen*es, Inc. Capital One is a federally r ginned service mark. All riglm reserved 059-08106 ow" Account Previous Balance $1,093.92 Payments, Credits and Adjustments $50.00 Transactions $51.38 Finance Charges $.00 New Balance $1,095.30 Minimum Amount Due $95.30 Payment Due Date May 15, 2006 Total Credit Line $1,000 Total Available Credit $.00 Credit Lae for Cash $1,000 Available Credit for Cash $.00 At Your service To call Customer Reladom or to report a lost ar stolea mrd: 1-800-903-3637 Send paymmu to: Smd mquiua to: Attn: Re ttanm Pro-ing Sank Capiml 2 Capin One ; P.O. 116 P.O. Box 30285 St Lou6, MO 63179-0216 SIC, Ur 84130-0285 MAR 16 - APR 15, 2006 Page 1 of 1 Payments, Credits and Adjustments 1 30 MAR PAYMENT RECEIVED- THANK YOU $50.00- Your scheduled payment has not been received. Please remit the amount due appearing on this statement If you have already made your payment, please accept our thanks Transactions 2 15 MAR CREDITINFORM 866-226-3745 3 15 APR PAST DUE FEE 4 15 APR PAYMENT PROTECTION 1-888-527-6904 053 $5.99 35.00 10.39 Your account is one paymem: t*fdrid. Reriemtxr that making your lnviunucn payments by the due due, koe fK your account in good sfard ng. When you miss a payment, late fees start adding up. And n * wants d at. So make sure you send :u the minimum amount. due on your statement to keep your account in good standing and to keep from paying extras fees. You were assessed a past due fee of $35.00 on 04/15/2006 because your rots mum Payment was not received by the due date of 04115[2006. To avoid this fee in the %wm we recommend dut you allow at least 7 business days for your Payment to resck Capital One. Finanee Charges Plewesnrenmeri&forimpwiawinjnrnratim Bdasara4 Flr+odr ComsOandure ?1A I 4epJirdW ,,? R _ e PURCHASES 31,07149 .00000% .00% 3.00 CASH 3.00 .05888%P 21.49% A00 ANNUAL PERCENTAGE RATE applied this period 0.00% PLEASE RETURN PORTION BELOW WITH PAYMENT Capi>f-Its OW 0000000 0 5178052602916641 15 1095300050000095307 New Balance $1,095.30 Minimum Amount Due $95.30 Payment D,"e Lyate May ? 5, 2rXk Total enclosed $ Account Number. 5178-0526-0291-6641 P4avprintmailinra? asdorr-?naildiangerly! wiegblwr orb4rk a.6 S xe Apc b Oty 9r m ZIP Home Phme Aloernata Phone E-UAddrm #9010602809864020# MAIL ID NUMBER ?i CHRISTOPH B CONA Capital One Bank 4902 CARLISLE PIKE P.O. Box 790216 11111 1 111111111 11 11 1 1 1 ° r APT 248 St. Louie, MO 63179-0216 w MfiCHANICSBURG PA 17050 n Itill III I I I I IIIIIIIIIIIIuuI66n11llluugill llu6llrl IrrtllLrdllrltrLLllrrrlrrdl Please w deyorv aew-d namber on yosv eh&k ear money order ma&payabk to Capital One Bank and nail in the ml"ed erruelope r ME r g O [om b N? you vp Mve a mirdrraan greee padad of wi=torR frurtee dupe m new pselaaap, new trarrfaa, new apegal Pudros and row wh« rare. to oDtdn ifs average dNY bdenee for the ._ mod emered by W a atatdnent we Uke add the "°wamg be Of rich +eVaem pch d1 y Wra accord IF hpd f If roadY bpn Awed F« example Y°o eutlnAZed a parhaee fmm a meroluM and If You you lofd 'New 6dsaoe', ti tYhe PWntenU below f a , pY new transactions to to each ct or eredU. (if the code apom, pee and aW Va ' psYmante f rt o stata ' me n we rocalve the trarractlw from the meMMm after ywr aowtart hp bem the , tre or IF to be wedrd by lets. There N ro You ro>R etatnnern grow pedod m wah advarrop o ?? T nern rend U 6alat?ca Nsb A pplled a At= any up:I11ronw Mage fnektled In fie bdenw amanf of the tl YAI be +ddsd Yar acopan pe wN be mapnnge for D+MneM. k them N a art --bores.. addday them N ro aw ewac=en N yw do not Pay the toW$New? m ) TNa gvp u the dWy btlartw of pM aedentm" yb we add tp N the dfNy Mlehcea f« pch a d d= b fee for Your m be M!1984 to the con::pshnNt1adUe arttkare by aooan[ bbddanoe bee been fd I f e Trerwcllas am rod are sacred date at h ) n by the total , yy = rambw of de k eve Z da=y belaroe of ea sepnan, 3. r eree W n i! as defn d above. 7- Uaieg rwa Aoaw?t.vour wM - 11BBd M enrrrecdan uNdr any M.rtat oemhN trarmcd rag t e uarraae=m w 2) hoot thetlw dna yre ,„a Ia Mmeared to_ygr geman w 3) trews the ie ?fp IAPRI. a. Th. h aoa pate' m.y appear as orr, S' Elkaek" Ch., prrrwalsr VYhen yw arm a. b. tc. 11?tkr:. FY,:,;e?ct '°?rr°rt m d? t W =NCEa eeC f` a0 lkucefio .w I rotd +rrpe ?IOYrg. Pedodc ratefa) N br Csn b0 60, we arrant from the 410.60 n b*msr and t td. T:= R F? a data to nor aaaep arty w N Nnartp d 2. A Litpv= ?w Ikrkrlrp Now Pur a. Hrrsroe Msrye N cakraatN 6y nW=WY balsas o1 pM aspnart of yarn dross a?aro'• ?n2saa, aPadd trsrsbr, aM by dre earteaporafkp dally pedodc rood PreMar IV dadosed to you. At fieNy and the N=Imo Q??, we appy = he d per am,-" w Wur aooaao to fie ?!?' ba t the :r- dWayd of the m to pedodc Inserts cMrae for pchbp OFF, e a fthaepnan U arrive at tl *ryraw dr roe Your +ccarrn. TO ad belrae t.raepnad MY n and anV Pe=odc Awes rlruao ctldlau data sae for that aaPrasrt. We then PaYrwtrte w credN posrod ea of that do to doer aeprrerrt. TNa yvp u the sm"A for eah anpntsrl or your accent. Flows trmmcdma wNde Pant to You purdtep MrrdMp aa7verru are rot added to tea wladete the aYSape dell,,,I Mlataoe by ad balarwa tocedw and dvidrp 1114 an b, the dayr N the QlPalm blNrp cycle. To c M=rurytoe r y ft Y 09 gdalan0 b&rwoeh INS ukANIon a tnatae drrge acwety paerp. b. If the cud. w N am-. m the from of roxt m 6daae (late Applied To,' wa to ?AefdtiwNV. M m tlda satemart. b. If 1M rode P of fPdnte), L f3-mo. UBOIO, C [f.eNNcam of ( rd e) aPPean m fM f ro paYmerrt, yw ardralze electr aWc ford tranafeymfrom m mska a w ao-tkro dtw to Fame y aoaue to e N d rom AAoof p ma tes w rap ANN A. &P 7BK 5m 1M pay ae a dec ck ummacy When wa ?Iha,, ymr yteek U ra evm it howl of kg n date IPA c6d OE RATQS md ma Ncreaw or decrease based :%:== , p fwW let TM Well srrpt ? make m dectmdc meY lee wn tram your by* acoorrm p soon p the came day we day we rocelve a« , ,ate r9aa T ? qu...ry yreMwtly detloeed to you. dtangee wM be ettectlve w 1M nret da o } ==' Yw %V ,ot --I- Ywr deck keck from krgmNw. edod tfst gard n InNNtlr?e mm oil Jr by your pemyodc nateme p ;=; c. if 1)re coM D ? m), F (jyd?o ?(7? O f3 6)LUNG ggNTS SUMMARY (l n Gp Of Errors Or puptlorp gppm Vo BIN Callon of Wur b M mo. oMIdY) n m tta tram of yaw autemeM mo re m t. pMOdc raUW 1M 'f w I Yw fkkdr your bN N wrap, or 411 you need mac ?a? m a trerrecdon w hAl arras t s trad ifereraoe wiN t d r q , perlod? rate and wrreaporMrq ANNUAL PERCENTAGE AT. ma vary mmWy nreY ketseep or dxrpae based m M , o u on a wroteaMet p coon p poWhle at dre adersp mr altowtt m the bard of Wa sretemmt j y We ro - the t? re cured Ndcea, as farad let Tae Ws9 Saeet Journal, ad e y d . r t ut lw no later dsrr 80 da after we mu yw the e w a « any d wfN be efFxtl U ra fimt de ofy gNyp period Manber, p dared. Ym can 1 wr Cwtaner Rd a=av vWN n rl. ha dadY 4. A>atarrts of L., Ovrri! and Vou socour wN be RaluaW Pa4aasrt Faaa• r tf a?d ro m in m7yma• at yaw letter, plea utla=e f fomutlan: ycur name and aocamt raanber, the ddlar etrrant of auapedp error a dp m l g•, cash t M ) o e sn two of the fees =sad hoe =rat arrar ?e tame of ypr grRpner aPparrn( wp r , pt c en of da soar end en .>oYararraNOrp if Doea6b, o, _ t wfry Yw beNeve there ie an amr; «411 yaV neem rypre mfam a een dev dumrq rate fa eadi t? ywoaulve a rot m spar arty /ew wkhaR prbr notNlutlon m taw pia p m aep® tFo epo a dnisr , e emaam Nye am urum abort. Vou do not he- ,y am NN mwhNe we aM hnoaygV ,try. y the ? Pa of eaM fi. IRsrew,arp Yeu Aaaant. ti a menibe y porn of your bllf Mn am rqt M ?aadan• ewe kwee=gam d e at add defmn the ileac tlda drN • Yea Mva 30 to _ to puw a take a acdm rowooNeet the amotmYWU W"Um. 6darace V I tau can d Yotmr m-otne Rkkp 1hN perM to m Yo" oontkvre m rar you axdra Yd=ro a h You $•t Special Rde Tor Cmdt Grd Purdraaeo ba0krdtp rerraactlarta re e aWp m P - Ire ntarriberaldy tea To cstcd your acrnrnt, You mus notlry u by raNrq our parrartler Raiedorr paPeruraent °? If Yar have '==h quelNy of p=d " or seMcp tltasaed vMh a eredt M pda PaY New trs' Nt hl fenaitaltq the vad a -m1''daY period a B N Y . . w W You have tiled N aood tahh m correct the Problem vath the th e rlaht tat to e h ~ ? y If you Ma . . =y A?? Ya paler =. by calip our Qarorraa dose p Y t e remaking amoutt duo on the p ap em y protet=m aYy wfNn the a serMpwl e. Ycu have We 360 00 d -fie rat M kN (or , s alt ss dkecita, ? t -r k cmW.) sore PrearMlarhed bl- arrd c . an ya . de Your home ataN or Wd*' 100 e1Np of Ywr m eNYrp adrkan of a alsrwa. We esee Your accorra. M you do rat cancel rac@bt of a M ope yov?ar?dpdaa=on , we oYn or If vremeNed nPerne the m tor e1M the am, Pr« ere ogeny or pMeeY s! N Pumheap d N the daNY Mrrrber of acedra. uM YouP+Y N reopen ypr awy?y rot be dosed aro+r eac of smarm a bea=m of purMeae.) PIe°ae ranember to d{Ft aN coneoporrlertce. lotal f rI by Pear riNtfew tetura?d tkr r?pea 'r Lbes ant apply to eoawaaer non-ered/f ceM -,W, n re Arta e a uu i advance fps end any ottaer fps aocdat. Yw em rMronabfe ford arno?wY? ? Y Oasa rot ePPN to aua7nasa n«rcredlt card accounts of state w g they appear m yar etnornt at the oleos yai reµaa[ m am kactrrod auae ol0ae Ggtd pa ?v' Prnectlen: ore a bd w n ment u ? 0i m m the OFF emaat[. THe ms rash drrgw appeerkg yarernotaa afw ..: tir ? r F wa r te at :7c lans,in . ? UoI ?--- a11Y tsaatarod pMce mark of c,.:r,i N4«fant llatlsa: PaymstN ya. maN to w wIN be credted m Farr accourt x of the budrrep da wa recdw k, PeYmatrit ??ro^ boa ?envelape and (2) yar paymam N mceiyatl In au pma Y3 ProMdad (1) ycu tag tM Dottan Pleap eb not errs Y any otter ktca=pt or in any o1Mr bmt maY rat ?o?kq by D.m. ET (12 ram _ Portbn d Wa etatemem aM Your deck ataWoc, dNkeTl.?tNC. wtran pu Nnan oe ayoosutod p of iM G vw rscdw tMm Our%wbuaYar da p a?Monds 6) budran days yfor PwW dMvery w?to eke a t3raoaMretYaur?benk accoua?z aPpNa tall dnclu rocdval dwino the q?IM?pNcYCN even ifkiwrt by wmeone N ?If elecuaYc e?inrfsr dsdt hanb+ ?k IdsYi.. edrW =re dtack, a paper drab «oabr ken. Wowaa the tmrroNr, yw audarize CaPIWIOW what's in your wallet? CHRISTOPH 8 CONA 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. ® 2006 Capital One Services, Inc. Capital One is a fedemlo registered service mark. All nghtt raerved 054-07754 ?ri/ I ow PLATINUM MASTERCARD ACCOUNT 5178-0526-0291-6641 Accmunt Summary Payments, Credits and Adjustments APR 16 - MAY 15, 2006 Page 1 of 1 Previous Balance $1,095.30 Payments, Credits and Adjustments $.00 Transactions Transact ono $51.89 Finance Charges $18.62 1 14 APR CREDITINFORM 866-226-3745 $5.99 2 15 MAY PAST DUE FEE 35.00 New Balance $1,165.81 3 15 MAY PAYMENT PROTECTION 1-888-527-6904 10.90 Minimum Amount Due $165.81 Payment Due Date June 15, 2006 Youre behnd byteo payments. [.Wt talk. If you're having financial difficulties and can't make your minimum payment - we want to help. Let's .4.. Together to find a solution tl:at wrorks best for you. Give us a Total Credit Line $1,000 call at 1.800.955.7070. Total Available Credit $.00 Credit Line for Casb $1,000 "Important Notice" Your account was pest due. Under the terms we previously disclosed to Available Credit for Cash $.00 you, ifyour account is past due again in the man 12 billing cycles, your Annual Percentage Rates (A.P.R.s) may incense. At yourservlee To all Cwtomer Relad w or to mpnrt a lost "stolen card: You were assessed app due fee of $35.00 on 05/15/2006 because your minimum payment was not received by the due date of 05/15/2006. To avoid this fee in the future, we recommend that you 1-800-903-3637 allow at least 7 business days for your payment to reach Capital One. Sad payment to: Send mgainas to: Attn: Remittaoae Promoting Capital One Bank Capitol One P.O. Box 790216 P.O. Box 3o285 St Louis, MO 63179-0216 SLC, UT 84130-0285 Finance Charges Pkadesanvcrrerisdycmf?orxi?twportart:aformanon Ba/aaarate Periodv CareAP - MO gylvddo safe R d PURCHASES $1,110.16 .0558996P 20.40% 91&62 CASH 9.60 .05888%P 21.49% 100 ANNUAL PERCENTAGE RATE applied this period 20.40% PLEASE RETURN PORTION BELOW WITH PAYMENT capagdo w 0000000 0 5178052602916641 15 1165810050000165813 New Balance $1,165.81 Minimum Amount Due $165.81 Payment Ilae Date June 15,20,M Total enclosed $ Account Numbr. 5178-0526-0291-6641 pl-t;at n. &Z dbrss&.dl- -Wd-gatvlaosangblwarblak xk Sven Apt k GW Som ZIP HomePh- Altemaa Ph- #9013602809864027# MAIL ID NUMBER m CHRISTOPH B CONA Capital One Bank 4902 CARLISLE PIKE P.O. Box 790216 11111 111111111111 1111 1 APT 248 St. Louis, MO 63179-0216 MECHANICSBURG PA 17050 LIh1111L11111L1d 661 161111 1161111, 1111111 161 111611, I IIIIIII IIIIIIIIIIIIIIIIIIIIIIIII Pl=e smite yoro atroartt number an yow d al or money order made payable to Capital One Bank and mail in the enclwed envelope. r i N? sus O d 2cy rtes' rams You wa hive a miNmun pace Pedod of 26 deya wtthan finance cite on raw purohaaw, neW charges trerrbWnynew >peaal DurMaaea rwl new ether rges aororrdancoeYtNdi MsYa+totd 'New BWtca', In w and in tMe to it m beak Netca f« paymenre below, try dadnN dare. Tlhew b ro grace pesm m cash edvanoa and npetlal trarlem. h eddtlen, tare is ro en erhy trara ectloh H You do rat pay the totdq=p belahce. esod ' a0mraq bslahca of each aegnart eeclh day' add ro arty traraactlora m each apnad and wbvaa any peyme M « crodla. Of the code I eglsen an the hart of d sretemhxn nerd m 'BNarlca Ram AppYetl To: we aMo auMraa arty aphid fhenoe dharge httlhrdes In tlhe belaro of aM aepnad.I Thh gives uh the ddh bemnoe of ad segmhrrt. 1 we add rq r the =balances to each sagnem f« the billing ppeedod and clvide by the tool number of dew lo the hllfq pedod. TNa gives u the 3. ahca of each sag M. Anrnyyy Rdaa IAFRI. a. The tam -Amyl Perewhbgs Rate- May appear r APR' on the from of title statement. b. H the ,ode«P Q'rNrm), L (3-mo.)LIeppsen BOR). Cm(Cethe frart rtlflcateofN Oepodtl, S IBankcaadP stalarne rates aM OF) eaapxenr ?torgtheeddood'I MWAGI eM rosy vary queroMy a, nd may Mcresa « enthe atated NhdiceedecresaE based as farhd b TM r Street Joual, pka tea mergNh peMadY the a m you. ba"' pde?darogda vd1 be w en to flm rev N your In thhe month Janus by Your pModc atetenhherrt ending ry, April, Jhlyy and Oa c. H the Rode ic tPnkrhel, F (1 or G O ma LN7010 (3yrto. UBOR Repriced MonWy) appe?re m the iron o1 your ataiamrht next m the pedodlc rarsla), th pedadc rata argn provgatY dlsclosed m You. These dainges win be effeetlw en the , each day of your billing pedod 4. Awasaas N Ltrta, Ot?Nrtla and RaUaan,d Paymat Fwteaa . Van accars wN h awewed ro mss clan two N the Nrted hem that Door drkq N any bNftg Parlod. larder the tame yo« daeonter sgeahhas, we, the r It m ywoduw a not to assess sty ma Wagit pd? nodNratlan m Teel at • lots Uirrs H E m awew tea age a dndlar 6.tRatmM y- ==1f=7M tee ppean fterrn th m theedfam ells Me hays 30 dew statanan 1-0 arNed m you TO avid paykp the fee a m haws reach fee Md,credited m you if Y. cannel yorr rooarr. Dukhn tfds pe liar goy contiam m w liar accohrs vddhar hvNp m pay tlo mentberdhp fee. To rarnd year atxmhas, year troth ardPahryWya?pr Bala h Tr (atGrd the 8. H Y Cba Vosr A?eeaaL Vou can mQest m clo yes accent W r= ear C atanrer Rebtlonr rtmas. Vou nrhaa deauoy yaw aeAt card(d arhd ...dent accew docks, cancel r preadadzad 6i9, and =M whr aomus. If you do rot cancal recelM N a ad d wee charge m 1111 eennsiydaar hM YOU pay r rnnm?lolt we taktd k ? d === phwhas me?osN accartt. ft. aanrd arty other fees assaswd m year ?Y eppesr an ya? rt the tkne yyaou?to r doe the smart or they are Masted atbsegiam m =,.=t I= r aocarn it h hea Broady bean tired. for example, et ardhodzed a phrchaee from a memhhm and we modus the 'FdtraaecdM hag fie merrhent after yar at»dnr Ihw been closed, yotr .,edam wY ha sroPerhed, to anmhM Rf to doMps vM be added m Your accourt, mertn wtl ha reaParEle for payram. H there la a to be Wrrgqee00? to s p ea by law, until the peld i1r uead a defned aboYe. examhxsbdrhxtl been 7. Umd Inliar A vYOUr cam « recant cannot es aha hascdm vsm any Menhrt ganhhling vawactlor. 8. ablNs 116wr Elwsads 0.4 Osrwrala? When You provWS a dock as pawhart, you auNhonxe u either to tree inTameden tree you dock to make a one-tMe electroic kind treater from you bank row n «m process the payment a a dock ttrraega? When we use Intones an from wtr tlmck to make an dectwYc hand transfer, funds may be withdrawn from yaw bar* aocant w seen a the as by we mcdye drat payment, erhd you rM nor motive - dheck beck iron You fhentld Nrtlhden. BIWNG RIGHTS SUMMARY (in Case Of = = tAastma Aban torn Bin) 11 YZ think 1. aten as transaction ?or bMf write mdw on a OFF separam doer as soen a possNSs at the addrew for frhgddes slhovrnh m Iater than 8D the from of tdisap rtatanm afmr t. We rout th flrrtrbNI ore t= the error « proaem ue sonyou the Dretlam ddnhg w wNl not cap aw Cwtdnsr Relations ntmbar, bu can ?m?a?rv?eY?our dgha. M your wnw, OYe u the toYowyhg of time and exam number, the tidiethe r anrpad error, a desedptot N the error end an atplaatlan, H pasdhle, N why you =4r.", an r, eed more Into a =it= abohd. You do not haw to pay any m wNb vs am Inwdla.m h, r yeah am still o611gsted to Pay to pare of year bi wt am not In question. W'Nm we Inwedgeta y- 9hoadm, we cannot report you w drnqunr or take any here to collect the sedan you rsastlm. i,t special Rule For Credit Cam Purchases If Moea wu haw a prohlemnwt vsth tvdth a he quentY ofcreditproperty « w that Yot P to co m and Yes hew tded In good tehh to nact tlo Probiem vMh the merchant, you rosy low the ddht rot to My the reediting emaatt due an the rty or sencm. You how this v*Fen pLmrlce was move than 36000 and the p umlhaae arcade In VOUr home aura or Wthin 100 miles of your mffiv addrer. III we own or eperam the merclhent, or If we maw you the No are ter the proppHy or services, all purchases am covered regerdep of rr:o or location of purchase.) Raw remember to dgn all canesporhdeahce. roar aRaa .ra,."N y It m t Does not apply m consumer non-crodlt cold accoams f Does not apply to business awn-cradle cad sccomte One VA"re Infamaden privacy protecdm: aes etw at www. a».oom. Ono is e rrY ropsterod wnvice mark of Capital ? I Corp«aNm. AN dgin reserved. 0 2003 01LGLBAK b. Aehardrhq Fkraas Clrys. Trorhsectloa =,I;,_ aWJect raa period are essesaed 1) arm the data of the traneacann or 2) from the data the traased0n b ==to you " or 3) front the flm cdadar saran binn pMed, AddMaWh, i?f__yywau did not pay the 'New BNarnca' from the Meviar big pedod fn fhanca dirges cardnra m accme to Yea updd bdana m1N the updd bdrhoe m paid In NI. 11 You pay the entire you New y ?? orithe front of you rtatement by to read st"Knent CIO dace, but d d not =-r--j= dd faros dhergea are rie eegmort N NI Aooourt. tc. kihkroaw F6 arraahgreaclOS. F« each hNWV pedod that t d RNkmmE (%rlgAsAroOsEhlorff *0.150 wi beeMpcad. HYMaer pedodc rated bh iw then 30 60, vm?abtract root smarm learn to 00.60 nifm?m and to dlfmrame vM be haled to the Pmdhase segnem N aeednt t d. Tarpaay RadnMfen kr Fkros t7hrgs, We restive the dOd to not series, ON « r fans dory' for any given 2. a = od gsgr 4Yroa rNwv N =.,h1 haWnce N s calalared mhatiplyNhg the aNy segment of war shoran le.q., cash advahoe, puroln es' >padel trarrta, end ,pedal pudase) by the caneyodrhn tidily pedode reread that he been pmv)aaly disclosed m you. th At the had a each tied m to bikhq pakd we apply dory palodlc ram mr adh segment m youraocpan to to dry Wrha of wdh wgrned. Then at the end a 1ha 6?iq Dsrlob ors add ry the reaM N tow dry calcdaNarr m ardor at pedaNc lnerhca Rhryo #a eatlh segmon. We add tp to reahe Urn eerh segnam m ardor at to toolPeriodic lot earnftsnee datge lot liar accahrn. To tarn the balance ..= of war aceotaht, We take the 6eyradmp am M saw aM achy pNpeerdadc ft dy addyanlrv new tra tMed a dada bdarhro for tot roB --"--'-- m the preNOu pewrmnm « cmdts setrnerrt. We then ahhtraet any to paaletl w N tot day that are dbcamd that aeghom. THa glvea u the aepsmre dry belanha Balance at- NN mM.• H yes pfd the Yon Previous sratern M 1W (or if your new balance ores zero « a creclt +nrtohaht) tra eacgao vddclh Port m war phrduw or s ffro, new Putdhaw segww are not added to to dry bdohcea. We calalata the average dNy balarhes by addahg N the dNly and hall s ?o or dMdng the run Z roe nnhba of the oLarent big cycle. To calaiss, you total flanhog dhsope, yar awraga dry beWhoe M iha drype dude rate and the ntntber a tires In to dWrhp pedatl. 0ua m reundnhg m a dry bade ,taro may ha a sNdht wdare hetwben ti ruknba and 1h amourt a lnhenhoe do b. If be coda Z « N appe;:`cn`*#hde frart of this rtatemam roxt to "Balance Rate Applied To.' we Multtlv the am4arras llollert Payments you mall m u WN a credlOd m yttw acmatt as of the bulraw day we recdw h, provided (1) you rand the cotton portico of Wes atatomam arnd you dock In Uhe erhdosed rentlttance ahvdope and (2) war psymem b ncdvatl b ou pro?whq txma by 3 p.m. ET S72 nhoerh PT). %ase 'Now at Bert for 161 cuirass des mr Paynmms recdvad by u at any otter locadah «M arty o1Mr tome meY root be endted as of the desY we recaiw tem. Ou bhekow claw ors Mprds w y? Pon+l delved Platy do not hoe staples paper rw etc. Mho prapadrp par pawmrt yylw you aaq u a chck(a), you autlmdze ue m make a mstkne alacvo is tfesnde6?ft forma ?idaw. accaant for tats arnarrt of the clack This autlhodz ? a ?t a papa?drah oar o?tharhemp tIm alNng cycle eve if sort by sameane des. If we cant Pmcw tM trarakr?you ,?uthodze u m make ' barge aghirat your bads accaart W tha Account First 3 months half-price 97 m 4$$P.W"M.ffiwmftw =FREEAccelerator' hes, y- -W as, ftr is Mwass. SIGN UP TODAYi ' 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal Previous Balance $1,165.81 Payments Credits and Adjustments $.00 Transactions $16,54 Finance Charges $27.94 New Balance $1,240.29 Minimum Amount Due $240,29 Payment Due Date July 15, 2006 Total Credit Line $1,000 Total Available Credit $.00 Credit Line for Cash $1,000 Available Credit for Cash $.00 Atyourservice To call Customer Relations or to report a lost of stolen ardt 1-800-903-3637 Said payments to. Stud ingairia to- Attn: R t itrana P-I.A g Capital One Bank Capital One P.O. Box 790216 P.O. Bas 30285 St Louis, MO 63179-0116 SLC, Ur 84130-0285 Important Account Information Take control and cart paying your bill online for free. Eliminate the hawk of writing checks, finding stamps, and sealing envelopes. Everything you need to accesy review, and pay your bill is available online. Our websi a offers you a convenient, simple, and secure way to manage your account Visit wwwxapialonexDra and register your account to start sunphfymg your life todayl peoplepa- online "'P 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 4® Smart Dialer ow [W More Email Addresses 4l® (if Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0526-0291-0641 Payments, Credits and Admix menu Transections MAY 16 - JUN 15, 2006 Page 1 of 1 1 15 JUN PAST DUE FEE $3500 2 1S JUN PAYMENT PROTECTION 1-888-527-6904 11.54 "You are a valued Payment Protection maomer and may be eligible for benefits to be paid to your account in rases of disability, unemployment, and death. If you have egierienced one of these events, please call Consumer p?Mstedmubeership Services at 1-888-527-6904 to we if your situation qualifies for a claim. Your account ry. 60 P Pent?Proted and you coverage will be suspended if it reaches 90 days pest due, as stated in your agreement " lmporcu t Notice- Under the terms we previously diwlosed to you, some or all ofyour Annual Percentage Rates (A.P.R.a) have been increased since your account was past due twice in the pate 12 billing cycles Remember If we receive your minimum mouldy ymeat on tune for 12 cons i=ts billing R es, this account will be reviewed for a possible return to your Non- IYou were assessed a p due fee of $35.00 on 06/15/2006 because your minimum payment was not received by the due date of 06/15/2006. To avoid this fee in the future, we recommend that you allow at least 7 bunt" days for your payment to reach Capital One. F-manse Charges Pkareme revenendefor imforiant info rnratim Baleurrafr Pmadr Carr?a?dmg .pplird7n rak APR "?Ci? PURCHASES 5417917 .07644%D 27.90% $27.94 CASH $100 .07644%D 27.90% 11.00 ANNUAL PERCENTAGE RATE applied this period 27.90% T PLEASE RETURN PORTION BELOW WITH PAYMENT T ea 0000000 0 5178052602916641 15 1240290050000240291 New Balance $1,24029 Minimum Amount Due $24029 Payment Due Date July 15, 2006 Total enclosed $? AccountNumber 5179-0526-0291-6641 Pkar<priat rnmling mrdiorr-nvitr6m gir AI-_ghi. orbtanf m.k meet Apr. # uty Seam ZIP Home Phone Alft-W A- #90167028098640224 MAIL ID NUMBER CHRISTOPH B CONA Capital One Bank 4902 CARLISLE PIKE P.O. Box 790216 o APT 248 St. Louis, MO 63179-0216 Z MECHANICSBURG PA 17050 If I I n u I I nu I 1111111- 1u11mu1 t 1111 1 If 11 1111111 11111111 1r1 Pkam ton""' aeroant n -ber oa yonr d Ark o, money ordn made fayabk k Capital One Bani and mail in the enlaced envelope. r peoplepcra online *-? A better way to Intemet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go%opal tIs Z tttttt?fi- ltttttl? ssss? ?S 8 I o ai;! o: R Peopl is solely responsible for this offer, and is not Affiliated with Capital One. Capital One does not Provide, endorse or guarantee, and is not affiliated with, arty product or service shown hors, Any trademarks mentioned herein are solely owned by the respective entity. AN rights reserved. By responding to this offs; you may be communicating information about yourself to the company that "Ades he product - for example, that you are a Captal One customer. 'Pecp6K Accelera(etl; Find 3 manta of service are billed it $4.97 a month; $9.95 a month thereafter. 12-month commitment required for Peopi Acceeated. Morah-lo-Wnth pricing with no term commitment is $14.95 for Peopli Accelerated; $9.95 for Peopi Online without accelerator techntogy. Offer available to new did-up subscribers at least 18 years of age and may not be redeemed with any other offer Offer subject to change at any time. Phone tei support av"e for $1.96 per minute. JM PeoplePC Online Accelerated, certain Web page text and gaplics will bad feeler when compared to standard dial-up Intent service Actual nlsusts may vary Service not available in all areas. Access fees, taxes and other fees and restrictions may apply. Phone technical Support 8"1" for $1.95 per mkude. For questions, cap toll-tree at 1.US-5TRYNOW. 02005 PtaplePC ac. PeVSK OnNn and the PwplePC Logo are registered hademarks of Peopli Inc. Trademarks are properties of their respective owners. NI Rights Reserved. Service not avaiable in ale areas. Access fees, taxes and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are MMO lble for dskmr*Nng whether a call to one Of our access numbers will result in team- td daryes. Aaese may be limited. eMWMy during tides of peak usage. Did-up numbers may be dhanged at PeoPli discretion. Continuous use subject to Orwut Woedues, AN use is subject to Peo*K On6ners Services Agreement and Acceptable Use Policy. 5W lie the meximum speed of service; actual speed may vary. 0 2006 PWPIBPC Im AN Rights Reserved. Peopli Online and its Noe are trademarks of Peoi in the U.S. and other countries. 0 2005 Wei One Services, Inc. Capita One is a federally registered service mark. AN rights reserved. Ioannina balance of each segment each day, add my new tnrracdaa to each segment, and subtract my p rymems or cradle. (it the code N appears on the from of d" statement next to 'Bounce Rate Applied To; we else Subtract my upid finance charge Included in the balance of each enure t.) The gives us the daily balance of each segment. Then. we add rq aB the dally balances for each segment for the bfiNrVpe rled and dvi number of days In the hfirirg podod. This gloms us the awnepe daily balance of each segment. 3. Armed Pa o$~ Rorer CAPRI. a. The tam 'A VKW Psnxmaas Rats' may appear as APR' an the frad of trite statement. i If the con P (dnei, L (3- LIBOR), C (C«tlflcaee of DePoi or S (Bankcad Prime) appears on the Gant of this statement rev to the periodic rate(s), the oario6c rams and comespondrq ANNUAL PERCENTAOE MT64 may wry quaneriy aandd may Increase or decrease bred on the stated Indices, as fond in The Wall Street Joreasl, pits the mergim proNaMy disclosed to you. These ct sW be w on the fret day of your Nlong period mwrod by your pedodc statement a." in A m-ft Jmusry, gpdi, Judi Oc[oben. c. If the coda D tPrkne), F (1 mo. UB0F0 a O ( ni LIBOR Repriced Mordsi appears an the Dort of your statement rev to to psdode ram(.), the Vpsoodc rates and correesoadne ANNUAL PEACENFAGE T6S may me margin PreviaslY diatlaaes m ysu. hoses ewges Wit be afiectlw an the gnat daY of your hillkrg period each momin. d. Assessment of LMS, Qv~ and Returned Pay DM Far. You accost wlo be assessed re mom than two of thou fees Need here that occur dial any biting perood Under do mma of your asmrner aly-perm, - reserve the "1 m welve a net m ears any fees without qbr rodllcetlm m svithor .1i our ryc to, areas the acre « Mier at s leter tkne. 6. rvwY Aeooust. If a membership fee %peen on to from of this steam m, you haw 30 dsys from the data Ws, statement Was meted to you to avoid paying the fee or m ham such fee cedted to you U you caned your account. Dulrg this period, you my camkass m use your accousa without Mvkg m pay the nnarben ip fall. To cancel your amount, you must raw -ydbyr N. Blase' in fur (moildrg to narMeml fee) Prior m the and of the thirty-day Period 6. N Yaw Cbaa You Aewi. You can request to close ypr=.Mm by raMM our Customer Relators eD Peron ni You mush destroy your sect[ cam(e) and accousc acoer c aim, rarcd d1 pri-s otzed bibg, ad cease You eccouarr. If Y do mat rowel Maki of a a darys man anon to reap?en?yarr e oti Additionally, your account E uafi You pay ale shwas you owe u ndtdingi army trsasetlons Yet rove authorized, brae Cho c, pas uLs few, wmdl. t fees, rat~ psyswtt fees, rash advise sap and arty otra tees apered to your acoasc. you am responsible, fa terse amourws wletlr they appear on your account a the thus yyoauu rogast to does the accost «tey so maned sthsegari to your rognesa m c10ae to accost. 1'lie may resit In your woou ri If k has already been dosed For example, If you autlerized a puduse from a merchant and we reolYe the trasacton imm the merchant after you aocoum Ice been dosed, your noon m wY be recpsnetl, the amaa t of The dot WE be added to YON account, and = be reaps Eb for paymem. N there Is a M ., the fee ?A continue to be W r?peedMdto 1he extant penmtw by law, won the axard Inane has been pad in hull as cleared above. 7. Your A-wint.You ram or account cannot be UakqIn connection with my Internet gambling 11.1-dons. S. A .. Mod fibskerri. Cheek Command- When you r m pro" . ? from your check to make a me-dime ue Mlmn electronic had transfer from your bank account a m the ?e as • check transaction. When we to f area moor an /rom your check to male an electronic had transfer, fads may be vrithAawn flan your bani acco nt as son as the Same day we receive ywr payment, and =rat not receive yam deck back from yon firwcial krthutlon. BILLING RIOMS SUMMARY (in Cane Of Erma Or Questions Ali" Your (fhb) If You tlinIt your bra 1. wrong, or If you need mom nbmatbn an a ttare actlm m bill, wme to oar en a End. street as soon as possible at to address I. Irnglirim lawn an to fret of tie Mramat. We must hear Isom you no later than 00 days after war sot you the first hill an which the error or problem eppeered. you ken call our Customer Matters number, bu uNOlrra so 31 nor preaaw your rights. M Your letter, she us the fokoWrg amour nof the ation: War aspname eectod and account anon deeshcriptlm of the error xisiden, anam ; you a I?f it (w m?ae biter madony a desertion of s the hem you am unsure about. You do not haw to pay any but you amour In question vAile we am Moat it, are edit odfgatad to pay to p. of your N mat are rim In question. WNIe we nwatigqaato your auastlm, we cannot ropat YOU p dlkgaatt a mite am) actlan to Coi to smash yna questlon. i,t Spedal Rule For Credit Card Pacheees If you haw a prohlern with the quality of property or services that you purchased whh a credit ran and you have tried in good faith to correct the problem with the merchant, you may haw the right rat to pay the remaining anWam due an the papeny or services. You haw this =`1d aleyy when dot puchssa roes more tan dnees wpm In your hone state or Wthinn 100 wA%s of you maW o address. (if we roam a operate the merchant, or if we mailed you the adverdsenMt for the p7.e tV a services, all purchars are commit reps, ass of smash a 1«atan of purchase.) Plesse remember to sign all correspondence. t Does not apPtY to consumer mo-asdt card accounts 3 Does not apply to ausbxss nos-crediM cord accounts Gdtal One supports Information privacy protection: we our e at wow. cam. Capital One is a toderadly mahwed service mark of capital to. ace Paried.YOU vsf tentW miranwm grace porbd of 25 dell vbthart insae tlurge on new puobawiI, new baisca trarsbrs, new spedd pracheas and new, oMa 'New Balsas', n charges if You y You total and In *" IN h to be credited hard. you f ne ?ntennmtw, s ? a5pepedd°OBaI anr?eera in gradau n lro?re b grace Padod on arty tlaax'tlah N You do rim pay the lard New balance. b. Awi ig Ares Crg.. Transactions vMch are not 'inject m a pace pensW am asessesd ikurrhe darye 1) from to dine ot the vamactlon a 2) from the ti's thou traawdm Is processed to your Account a 3) from tha first calendar day of the cu ant bMkg Additionally, rf you did not pay the "New Balance" to pervious bog period In full, finance charges contlmre m WOM- m h ThN ? Am jouo mayy s?tlfi m e w Ananceedurgt es, emwn if you pay to ow. New eawae lindcaved on the from of your statement by Are rent suranern dealing data, but did not do so tot the previous month. Upend finance charges am added m the segment ot you t A=h.- c. h\hle'sw Fkhawsah?rect .far eesh hdHekgmeperiod thst ?1 Rttirho (%rlgrenAreOEwaatlm ?wY? b?ealNnepaaeedotNytoheu petlade rsre(l fe kr thm b0 60, won Ivi arbUact that amount from the 40.50., iirmm and the dfloveri who be blood to the Purchase s e=0=9 coaat. t d. To porgy Redratlan in We nave the right to nnoottdwasse my «w finance chops for my gown 2. AvaryaaM Dsfly. (YSN..f liZ Rr eel. a. Rnanco charge is cakeeted ry mUmplyinp me dMy balance of each segment of you mom" (e.g., rash purdoes) advance, purchase, spacial trarekr, and special by the merpwndng dilly, periodic raze(s) that has been predeuWy dsdosad to you. At the and of each ee the hlokg Period, - apply the dNy periodic at. segment o'f your -maxi to 1ta dry balance of eadl segment. Than at the and at the 66Msi'Iga p'fod we add tp the reeds of these detly rakulatenre to arrive at yon r?rdta ham eedn?se7 xit r? Me tou1peA? ic finance range for yea account. To On the dWy ?Wnce for each segment of your watt nt, vw take the beginina balance for each segrem and add Myy new treMaatlge and Mype r1i finances large calalened an the prey ou days bananas for that aegham. We than subtract arty payments or credits posted as of that day tat are allocated to that segment. Thai gloms u the separate dally bffirwe for eedh segment of your accost. Honeser, If ycu geld the taw Blase shown an your previous statment n fcl (a If your raw balance wr zero a a credit smo nt), new traaectaa which poet to your purchase or special purchase soliments balances. We e to average a dody badded olathe nce by adding all the daily blancr together and dOdrg to son by the number of the days In the aarentyhig cycle. To calculate your tated balance doll pco edi rare and by thes b er numb ?ys In the h by NN g period Dea to rwdng an a de fly brie, them may be e pgm variance between this calc laden and the amount of finance chat actually b. If the code 2 a N appears an the from of tea statement neon two 'Blouse Rate AgAed To,' war muitlply -tla " N n rhdar.?e m -- .,..,earn A vin. Istpsrfsm NW's; Payments you mail to u wig be credited to your account as of to budne" day we receive It, Provided (1) you send the bottan portion of his statement and you deck In the o ncbaed renltrmce envelope and (2) yea payment to rocelwd In our mcaakg comer by 3 p.m. ET (12 ram PT). Please allow at least fin (5) bWG days for pugs dot Our busin pleaw recolved ue bsuPlss, P ?rocth?ear location or InnrpapnasY other yaixorwymma m WMn 1rou aWmadasu the p k10, Yw Whops u mal7e?a aaeys -tlneme NMectmNchtranagrh?r de6h = ba ys. amCOhart for tha am101a1[ of lime deck Thle autlarizatlm apples m N decks recaivaf during 1M bilong cycle even if'art by aamaoa aiss• It vra cannot process to transfer, you authorize u to make a darye against your bank account uairg the deck, a paper draft or char from. QwWa/One' I what's in your wallet?a CHRISTOPH B CONA 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 free check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capital One Sevicer, Inc. Capita! One is a federally registered sMwe mark. All rights reserved. 056-07754 CapitalQ?° Account Previous Balance $1,240.29 Payments Credits and Adjustments $,00 Transactions $47,28 Finance Charges $28.76 New Balance $1,316.33 Minimum Amoun[ Due $316.33 Payment Due Date August 15, 2006 Total Credit Line $1,000 Total Available Credit $.00 Credit Line for Cash $1,000 Available Credit for Cash $.00 At your service To call Caatomar Rdatiom or to report a lost or stolen card: 1-800-903-3637 Send paymmu to: Send i i"do to: Attn: Reatittanoe Procnaiag Capiw0-Bask Capi on. P.O. Boa 790216 P.O. Box 30285 St Low,, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Take control and start }roar bill online for free. Eliminate the hassle of rovntmg checks, finding stamps, and sealing envelopes. Everything you need to access, review, and Pay your bill is available online. Our website offers you a convenient, stmplq and secure way to manage your account Visit www.capitalone.com and register your account to a= simplifying your life today. PLATINUM MASTERCARD ACCOUNT 5178-0526-0291-W1 te, Credits and Adiustments JUN 16 - JUL 15, 2006 Page 1 of 1 Tnu sactions 1 15 JUL PAST DUE FEE $35.00 2 15 JUL PAYMENT PROTECTION 1-888-527-6904 12.28 "Your account is 90 days pest due and your Payment Protection coverage has been suspended. As stated in your Payment Protection agmaten; your and monthly charge will be reinstated once your account is no longer 90 days peat due. You may still bee for benefits to be paid to your account in cases of disability, unemployment and death. Call Consumer Membership Services at 1-888-527-6904 to see ifyour situation qualifies for a claim You're behind by four payments. You still tali t make any new lmrdwws or cash ad: uu es on y-iz account. But you can still regain your charging privileges and bring your account back into good standing by paying the arnount due on ),= statement within the neu 30 day-- Unfortunately, if we don't remivc a stiff dent Payment,' may have to permanently suvend yvur charging privileges. Need help? Give us a call at 1.800.955.6600. We71 work together u see what your gxtons are L) rebuild your account sta us. You were assessed a p? dune fee of $35.00 on 07/15/2006 because your minimum payment was not received by the due date of 07/15/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. F-ma= Charges Plearesmrrnrrrenkfoorrimpwnseinfar?argrm daleu rdr gep/iedin Pm;. Cares?ea?? tart .fPR MWEE PURCHASES CASH 51,254.13 .07644%D 27.90% 526.76 5.00 .07644%D 27.90% 5.00 ANNUAL PERCENTAGE RATE applied this period 27.90% PLEASE RETURN PORTION BELOW WITH PAYMENT Capita??y?' 0000000 0 5178052602916641 15 1316330050000316337 New Balance $1316.33 Minimum Amount Due $316.33 Payment. Due Date August 15, 2006 Total enclosed $ Account Numbea. 5178-0526-o291-6641 Capital One Bank P.O. Box 790216 llllllllllllllll llllll St. Louis, MO 63179-0216 I116111 16111 11611 1661 l6n11 61 111 1611 11111111 11116t61 PG ptintrnailindddr cf? e-aaileM?rbsbm wring blur or64r4 ia.F. Stree Apt I WY Sure ZIP Home Pb.. Alm-w Ph- #9019702809864029# MAIL ID NUMBER CHRISTOPH B CONA 4902 CARLISLE PIKE APT 248 N !? MECHANICSBURG PA 17050-3079 ° IetrllltttllLtttltLlltttttlLllttJtttllelttlLtttt6till 11 r Pl=c write yaw a t number ors yoan ebaf a matey order madepayabk to Capital One Bask and mail in the m1wed envelope. r- ; 8 0 Om ¢; N 1. * AveY FYrnr Chrpw T VA od c ram. To obtain the average daily balance for the ywr eccarm 11 h hen dresdy been rJmed. For ewmpe, tPmpd VW trig ha e a miNmun paca genital of I . , dod oov NWn ered b y the memntem, we take the Ppe if yw sWarized a orrduse tmm a nrrdtem end we v p!e M 1146y aWM •oM balmroe varrb new n purd"a r g a e ? i tr arieecPOne each and m o ? sr n domed eaccoou t h chsrges ii Wi? mrr Ne w p ey artem Notice for s rnenb below amorderne Mr u kr ? l f 1 code N on tla tmH of tin or cmdft. stmemem hatch m'Selene. Rata A ked To: we duo r , vA beadded Ywr a arW oouu veil be roalhie for ent H there Is a e y , p p and in tine tar IF to be enedeed by yeu non stmanenr pp mistreat any upaW flnaee cMtge knctrdsd M the beWree D Yy m . membeWlp fee for your accaan the fee WI tennis. dosing Moe. There W ro paca period m cash advmhoee e W ro ca iod d/ t W M ddd d M of satin aagnem.I TM given to the MEY balance of each e Tl w add all the d b ce ea M n ll l f h , m be charged, m fie sxrom pennktad by law, until fha or H b ce M b s de1 0 ab ve l ? M U i per a ape rme ra a an, r ro Ba on anry tnnesctlm H you M not pay the rand New gne s . b , e a yy a an s or c aeVaard for tie dilkq PPe?riod and dNde by the tow ga . a a an a een P a ro o n 7 Yeu Aaearrsi.YWF card OF arrant cannot be bderhce.' msnber of d. M du trop period. This gvas u the . =1 used-In connection rtflh any Meam gambling b. Aemting Fires CJnanya Trenssctlaro vdldh aro not .tanggoe ddy balance of each aegmem. haraecd-. aWjax m a pace period are aseeaaed tnhanc?e rlurge 1) 3. Mad WaaesYs PAW (APRI• S. NalMa Abmtt Eleafwio CAsak Carvm.Im, Whan you fiorrt the eau of tin traraactlan or 2) bass tin dam the a. The tamm 'An. W Pence um Rats' may sppmr r W d a deck es paymam, youautlnolze u dtlhat to traasctlon h ptooesrd m you Acu u r 3) iron to n o 'APR' on the from of tlia alemmam. k we krfa m ae an hen yov deck m m.ke a one-ririe p er { od AdMorkilly, Bd * h wi ? b. H B d i rd il W n?wo m yw D cgd rat Mpay t e ? to b l El nE b sil ald bal eld M hY l h W De t r S l ani Pr A" Water"M now m kca the pado6ePEAC a0e(q AORABiT, oadodie t d TES M ANNUAL e ogee Mlamatlarr deck to eledmWc 4 fi ftd k k b f b "W e up atWe . e eries n. t g y a x TNe memo Uhet you mey sli owe lkharhoe Bar es even if ra e. an reap rnp mey wry qua nedyan a dacreeae beaetl end meY Inc - trae n may e v rawn rom Yar an er, acoow as soon as rie acme M tae roodve You , g you WY be amine New BYYr.'e hndraftd on the fiortt of . , on the rtrted khdces, as lourd M TM Wag Street y peymeM, and you vA not recd y yarn deck Week from Y. atataomn by the mmd mater WR doeMg deft, inn din Joum./, gibe the margin pm dadesed to you. your ahsnc?al khstitutlm. not do r for the Pam 1r101111L LM interne dnergr These chagea M, be effective an the fifth My of your aro added m the pEcetle aepnan or you Amarrt. ?yBF blilMp period covered by yaw peMdc rtetanem endkq f11t1iNri RIGHTS SUMMARY t c. &%*a - Fhtmrr fm each diving Padod that Aql tk ki n Y ch t in tiro mamlr Janury, Agll, JuP and October. H th od D (Pti F (1 ih I?OR) O (3 ) (M Case Of Enna Or Oueatiom AbmA Vou Bik) o k If tN bill I If d oa ectt you amain ance . a m nun o a mid FINANCE MANGE of 40.60 wi be knpaaed H tie - c. e c e rre na. w , LI R Rep MamNy) appaem m the from of You you y u n s wrong, or you nee more Miotntatlan an a I -Odon a bill write to w an a teal firhanee flan tie ao?,1 of yar ! = nt ? e ro n m tha pedoAc ram(.) the dodo rotes , separate sheet n ram as possible at the address for eW is less tlun 40.6 tact tl t r e Foc , ro ? m gr ? A ? A P rift shrmn on the f of I m r @ f ? 0 0 a p a mck" vary m omNy andma y Mc reeee decren.e beaad on tla w i ron you no Was w we rem yw Ha rn a dNa hNsd m ," valdir m Of Of amtaW. d T m Rad selert In Fi w C We re erve 00 elated index, as found In TM We# S~ Joaomt Pitts the mar in reNaW dsdaeed to o The dtm a Am bill an winch the error or PmPtem a0paered. you can cell ou C ata mb hu tl a r R 1E t l tio etep ay u w s t dripphMt to not amen my or all finmee charges /a any g1wn hEEf lod D yp y u. se g Y weft be effective on the first day of you bifrhg Dadad ach main p eo w u ne er, a ns co no e a r. ridra. M You What, give u Are failowfrhg = ru a cc t r d b th d ll q p 2. Avana/s DYy EWw f1ukel?0 New Nrdhasssl. P . e 4. Aswmnmrt of LGW Ov~ road PAlmned Payarn Far. , yar m. n a en am ar, e ar o am0un of the mageced error, a de.cripdan of the enr a. Fknenc?e dhrge Is calculated by mm lymg the dally Your amour wY be assessed no moo thin two of the fees end .n e?larotlm, H poadNe, of vtAArv? you helWvo dens is bdmee Of esah aaphtmk of you amarrt (e.Q.,cash r dal t m rd ed ud r) d d f l Mad hem then Dear drip any 61Fp pettod lltnder the t m of ar storr e rha wa tie m t n an error Or If ya, need Moro Intomradan a deactlptlan of th H o Y d b t o l m ve- pur , ape m p a m r e er, a a by 1fe oarespahdrq dilly pesiodc reftW) tlut hr been N dWd d l W At t f M dd d am y an pam , no r rer ve waive a nor to .east any hies whfiar prior nalMatlon to N h t k ri l d h W e em y u are uhwxe a ou . ou o n t ove psyny a amastt M quaatlm vMW we ere Mvrtloetke h, Wt you ll f ill d d h bllf h phe oh osa em rq y to yw o h y o an the blip Pa W, we apply the dolly p dock rate for rdh t t w v g ou ght to asrr t e same a w a m at a inter rime. wte yet m w r to pay t e p.m o at are not t in pastlon. WNk vw Mvestklem yaa wastlm, we rarahot saphwn o'1 your aoooun to tla Wmoe of aerA ? a ? M ? ? nb e ? 6. Van Aeam ae. If a memberdip fee rd m m in N e ? d mpat you r delinq.ettt a take xry acdm to collect the amouh yw ghastlm. theremlm tin d ada 4tlanr m ar ? o da fio t O th itetdnmWr nY m you m b m-W M ca l o iramrdh ea0 rt marAn Me eddd?od{c HyvuI Wnr amouDuigth6 pafodyw meter t•t SPaGr Ik/o For cradt Card Pudars NWhce along. for y.uf amain. To get tie dales beftne ; mmlmre m ue You Woo'" wMmt haWq to Par the If you love a probl o' fa mdh rpnad of yea ecwrart, we take tin Mdr ntemhaWhip fee. To cv-01 you..roar, you rrsmt aervlcea 8hn you pcard and yin =,= bd for each aagnem attd add ?arryhy rave amaaetlara e cda/sted at the reNae end ai e tiodc firhernca drer notify m by caing air (armarmr Ralaliorr DePamrent New Balrhee' h fill (eua and o the have tried In good faith tomnec the problem with the ryp g P day`s balmhce for tfut segrmm?. We than able= arhy g y r rrnemhe? polo m the end M the de.40 y period merchant, you may love the riglht rhm to pay the rellaiting amain We On the prapen or rMces. Ym hew tNs Y pt Me paalad ae %:W seday tin am bdanoe dlocaftd m=-=. TNs gvae peram dilly 8. H Yw Cbso Yates Aaasur. V w ran repmst m does yar amw[ by cuing ar grmomar IWlstlar by protaetlm ayy vAen 1M pxdur pica wr more then f 0 d ,l u we ver, If you ptld he t. Ho -h onmr. rmmt amt doy you red[ card(d and > or i0. 0 an the Padhar was made M your home erne v/t in 100 f a ll adk dde Of = == Baah yea pm rteremak M fW (or acrnua Amer dhedta, rental ei pne.WOnked 6ing, es O M r p a ss, wo await or Ye operate the merdwn, o if w e mailed yw the H you newhssetlolrb.Wrwepoet was zero or a erect amount), new her which m yver pudar a apedd and tear amour. If you do roe careal prestdhonfzed anmgmhmm?u we vri corhaklar pr op ert y em rd ae re p w m a S p puncher segmerrb are rot added m the defy helarncea. we th ra b l b th l l t d N dd il d , rodzagan o va si wA b J d =41= W of to m v d ( n lorada u J Plum remember to sigh all conespardmhce. Yy? s y a :1 ca a a e e ave ge ? rnee ng a e be tagetl,. am dividnp the nun by the rber of ma th M tie ovrern biiq cyde. To ralalem vas mid k= na y u ac not e r OOe , aril you Pay aP .morns you sae u k-kWhW my tretasnniam you bete aWnMzed, amerce do", pas[ t Derr not apply to oonsumsr inn-crodff card acrounts tkwoe dory., mdWy tau average dally balenoe by the rio =Ped. rote and by the -*w of day. M the 6iilrq de far, owtEmit fen, marred payment fees, rash advmee fees and any War fees to a.aeerd you o t Due hat apply to business ron-c(ed/r caN accounts gavial Due m mtm*V on a dolly bads. my be a =dance between this Calalatim and he amount of soooux. Yw me .1. for tint emasaa wledar ==r ar m the tine yyoauu negllest to ppI(d tveb.il One aypona information privacy protection: gee ou cegtalacam e at www MwnOS ?herge aaraily asseaeed b. If the rode Z a N app.sm m tie fink of thh maamem ccour er tfoy are hncrred afhr4rarr to yar heapuft m clone tie smwa. Tess rosy cowl[ In . . C+PHal qra is a feQsreNysgstered service mark of Capital ten to '11-le- Ram Appiled To,' we mnltipiy the average deft balance of esdn .mman by tar mahW V dhargaa eppasdrp ar Yar acmtan aha you have naohemed the errant m bat closed or tie rheooerin of Ora Rrurdal Cotporatlon. All dgha reserved. a 2003 Capital One 01 LGLBAK Itttpmtml 1/e11os: Paymak. you mall m u wYl beWrad[etl a you accoutn r of the btlsirhrs day WYe receive h, Provided (1) Yont rod sine Dothan portion of tbls rtatemY,art erne your t]hack Pliie?ao rh?as?e wpsr°daWesf .?u"or'wir: proreapW`e"rirq y?oum p v?maYrt, yau.ma usf :1°a:aktu wig WhattlWmus w 1oMm°i allce?e aMrWW.ti hhree N.I c?m;+ctr?ineWrdebit fimhc n yota peank'?W. accaug fo tin amen[ o{ tins deck This arNerization appxr to d decks recelved during tie bNing cycle even If rrk by somoone eha. If wo Groot Process tla trarrWr, you aWwdze u to make a dargs agsket yea baMc acmtrk wing tine clack a paper drab a otler hem. pow I what's in your walleV? CHRISTOPH B CONA MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. o60 Let's work together to bring your account back to good standing. You can make a payment with our &w check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capital One Services, Inc. Capital One its a federally registered service mark. All rights reserved 060-07754 V. W e Account S Previous Balance $1,316.33 Payments Credits and Adjustments $.00 Transactions $35.00 Finance Charges $31.84 New Balance $1,383.17 Minimum Amoum: Due $383.17 Payment Due Date September 15, 2006 Total Credit Line $1,000 Total Available Credit $.00 Credit Line for Cash $1,000 Available Credit for Cash $.00 At your service To all Cupp- Relations or to report a lot or stolen ma 1-800-903-3637 Send prymeats to: Sind ingaiua to: Attn: Ranittan« Processing Capital O., Capital One P.O. Box 790216 P.O. Box 302&5 St Louis, MO 63179-0216 SLC, UT 94130-0285 Important Account Information Take control and start panying your bill online for free. Eliminate the hassle of veting checks, finding stamps, and sealing envelopes. Everything you need to access review, and pay your bill is available online. Our webaite offers you a convenient, simple, and secure way to manage your account Visit www.capitalone.com and register your account to start simplifying your life today! PLATINUM MASTERCARD ACCOUNT 5178-0526-0291-6641 JUL 16 - AUG 15, 2006 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 15 AUG PAST DUE FEE $35,00 You're bah t d by fi:r payments - so webs permanemfy suspended ywx charging prim egm lf'you don4: make a sufficient payment in The next 60 days well charge off your account If your account is reported to national credit bureaus as charged off, 01 have a senous unpact on your credo record. Pease don't let this happen. You can prevent any further damage to your credit by paying the amount due m your xtatemem: tf you're feeling o.,erwhAmed, give us a call at 1.800.955.6600. Weti work with you w resa:r this mattes. You were assessed a past due fee of $35.00 on 08/15/2006 because your minimum payment was not received by the due date of 08/15/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. F'mance Charges Pkare w revmendafor smforrant information Bdmuerar< Pew Care?,?,C .pe?&JA, rare efpR ?HHASES $1,33L67 .07712%D 2&19% $31.84 A00 .07712%D 28.15% 3.00 ANNUAL PERCENTAGE RATE applied this period 28.15% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052602916641 15 1383170050000383173 New Balance $1.383.17 Minimum Amount Due $383.17 Payment Du Date September 15, 2006 Total enclosed $ Account Number. 5178-0526-0291-6641 Pluuprintrnm&agald rv mrl/orr-uai/dmt?n bebm aradbhe wbLeF roil street Apt # city s- zm Home Phone Alterru2 Pnoae #9022802809864022# MAIL ID NUMBER CHRISTOPH B CONA Capital One Bank 4902 CARLISLE PIKE P.O. Box 790216 lpill lultleltltlulti APT 248 St. Louis, MO 63179-0216 c MECHANICSBURG PA 17050-3079 a LlleetelLnJlLetllelul6uu6lmlltlluutl616r1pill IndlhetIll....lelt[lips tlltlluJ?ttlleLtlLtttdJJletl Please r Ieyara smolt mambo on ymv dwl or money order madepe"ble to Capital One Boni and mail in the endwed envelope. r M t tTo to darlad.A Purest. Ch P Vw hafll hew a mktlman 25 dap .4d. frrtcepetld prr1 cu an new ed of balance tranefm, neW e aM new °Hia r as H no* ?o aotrn tM awra del hsa .ready been claed For exenple. d°Y T,? ce the ? I? accauh H it oeP^^krP hdarrce of a des ?a etateeM ? °aCineM,h any . add new rocdw a Q! ??? (ran a mercMM and vm traroa tl g You Wy yore Iota 'Nmv Bdattoe', In eocardnc?e wlh 1M krgonbIt Notlce tar end fn t f c ar to eetlr "gnOM, and gbtraet an W or emdn. (If Ure rods eppeero m the frart yof No are srafanem ' rr^ ^an the merchant eha you a acoora^ hr been eJOead, pa aoowan Wfl he mopa»d, the f t m'-" - a it m be °redmtl by pre db q dine. Them I ro Qaae Period an raeA advarnee spetld Mh l o rex1 m 8denp Rate Applbd To.' tw eko hreeapWar?re aM be added m your eaount, of eatl a^Y flrwme eherge IMluded in the Gl+rrce menbetaH 4ae to WN^ent. H 7Mro ie a ? ee ? t arc 1 TN P ti I E ftet. in o addtiah, them kt ro e ?treroactfon If you do rest pay Am taW New s p "m the day be4nce of eac Tl te n aemmr Am N all the dWv aleri°r Apr sash peeddood flkq d dN ed? per eaam. Are fee vM oo.jmw h m be dvnp eooaan bdanee Me heal i tUl y e - b AaaWi Firma rAraa. Trsractlahs vMrh are not P an by the totN ^ro of dap In the em" period. Ties gives r the n u defrr d ebme. 7. Uako Yar AryR,Yoa acrd or eccgnt rare., be - ahatject m a gaps period aro eaasred irrshce ge 1) fsan des dam of Ara narhaactlon a 2) fihtm Z Mer l p i pe 3. Ahnd .roadies ?Yabduce of eadr sevnem . IA Pp1. whh any knamet gsrihyrp usneactione. o e ts trarreello^ b proeered m loo Accohah a 3) from Are im cderdsr dry of A e carom yorr rid rot pe?od '4tNnorrd. N a. The tsrrhh 'A image Rem' ma APR' en im (= i is sutamem. y pear as b. Htlrs code P L (3 3. Nollss Abwa Flaaieds Qreak Oarwtlah. What proNde a drek u paprht, pu autlorizs w aitl m use (nfamatlan fihm a c k b?1_4 oerrrq Period h fihenc?e rhea bare rie PmMar r?Or cml4em m aoar , Deyrit), or 3 fRankeM Pdme)(1ROW C (CadRae[s of fr o m f apPBati an the :r 0 p r hec mmake sore-7Nre declmNc fuM trarsfer firm pu bank aacaraH a m T m to yore unpaid bdwm uN1 the urlpeW bdanae W pad In *N. Tlie mesa Art yw may aNl army dre if You Pay Are emiro No 7Hs ea . next to im doc p e? o rates and co rq A ERCFIlf OE RATES d ry ? m poxae 7M,?, M r a Mxk tranegelion, yyhen tp u° k " "'^" m =k, an deelr°Nc k ? w edrroa Amfimt of p a r atatenrn byb emtsrn do;Ndape rid not do so for AhB r9r aro added m th en may inaeese a decrease based an the a ine d ,/«eyf Plus the mOrgkrugeNapMlyT;= ?W?to You. These dwme N aocaah r som as theyaarae vo recelw bank Yax PaN^e^G and pu np1 mn modvye par crack be°k Iran Yare Mrrdal k tl e aephhan of Yoe Axaan. t c. AN.- Fitarhae For earth Ming period that e w f fectl be o w m y of your d Mtlihp period rntohed by yar peAcde sretemeru . aMr r tudar. BIt ' Y., soopad Y ar6lect m a irrerroe ohs a rNrirmen CF1AA0E of >0,50 vif be =c g M Are mantles Janusry, gpol, trey and Oa c. H th° Dods D ?rhml. F (lim. l1BOf0 a o (3 A.IIK3 RIOFI f3 SUMMARY ??^ Gas Of Etmm Or Cumtl°ns Aban Voa BIMI taW i rhae dudrS rrmrlrkq,(1 apWpFH yqr perkhdc rateld h Uhen 50 tvs arrbtr t d yno. LIBOR ets nt nam to o th th ?PPaem on Me 1mM of pa e Pe^od statement c raml. the edoek M 7N^k pv NII is wrap, a If t°rmado^ on a tretmo"w w MF, y0U more wme to u an a , rre rat d-. vAj be hied Coto d. q?°iMrs?ie :=. aaMa f 0pre td. Tanrpasry Redacti I CO , p rates rq N'""?Y and meA y hreArease or dx seE MTES may based °^ slthed khdces r ta d i I^Wdu dawn on the Lamm o? } Aiie ajtat?em mat Ihur from fort ro later tl 0 ( n on tile any a afl iwroeWe rerrw ? _ m trot assess rgea for arty gh+err , re n TM Wsi Street rd P Y datloead m you. TMaeJ4 Wrs •M be huh 0 yya after wa seM the flrat MM m w1iM Are error a Problem aPDearod. Yau You an ll ttt? pedod 2. Avsraya Dow. 1sYrua6 I fMw a. Firunc?e Uharge b adalated 6y IM1 Pl rea Are dNl fl 6tfaadOn the flmt day of Vas bNkV Palled rM moro. 4. Aasrematl of kem. ovsridt and RMmrsd Pe F a oa Qtetaner Reletlare rerber, but dokq eo v1Y not preserve Yoe riQr, M Your beer, pw u Are taF tha ddl ° do nuMer a a °A and i gnlA p ' m esoh seprtartt o1 your aocaan (e.p., 4 ! h Prachsae, aperLl tnrrbr, and attadd µedreae) rthe yrtrtl sr. imtvAmeaasessed ro restore Ahalt nvo of tiro (Bea oenhm of Iha dulrq a^Y hr4hp Period. under im Pub& , a m o and r etpl+rhatlon, H Y waNAhvy ofthe error O Ne• of Umro (e o f - Y p tlYN etlodc rerola) that Ikea been PmNordY d red m tou At Are uold errd of each ds rid Vorr armha egearrr, t its Ye a ^ot m sasses airy mos wlyrw qbr m aa m : r You need moro Mfa madan pu am areas about. Yw do npt w toy of Z=; M M m , p er y aoaaa ym asPna n ai yoa Ao Wry Y of ea h tl» sr at a lames dream. W asset rm or datfle r 6 n p lam eWj o hygapedbto prey tM paeia of yo a M l(the mrot theme WT A dienyd of l'6ikgm arilw? et yw r4 . Ya, aPPeen m Ao {tp goa?R Ii mwnb. iP > 30 " A g a p r °AUNTI?II? a to en edon to edlee[ the am°r t hoar charge 3a each seWnem. We add up the aH m M m dam N. .,an. wr nmNad m Vw m oval the I - to h p°p n you Wmtlon. ?? ?? e oat the total poh(odc k Nfl to escr get Y 6denee of pre amoad w e t h t fee cmdted m you If pu ioy o mint a mum DraYp ?s • You rosy 'oa h°N ;,t SPea(d Rule for Cmdt GM Purghasas e a t e begiring baWhco , a n y and any psdodc 1. HW rye?ealalated err . ^g m Wy the ntemberdyP, tee, r tY tm by raiq our 01 0 r Rda r D°Pam^mt It ypr ?w e aeMOes that Problem vlth the q Vit M ProPo^v or Yau purchased with a c : ¦ 6d data ton that segnan. We then aubtraa a pe a 1Oe? i^ - (mat-- to ere t c and you hew tiled In good filth to correct the problem whh th to that aeghrn. Tfi _= day tlut am eFOCerod 8. N Yw Olrae w Apia t° Uemyatr rrrrxr ra mat m Wso for each seghhaht of Yoa aoCerrht. 1b wva ° p °ur Qemrrhx Rdedaia oald If ilh e sv? amouht due m 1Mrvphraepwa or eecp? w y lr he Ws Pmtfdm Mri arYY vfren tha DureMse , e Note Balenc?e ahowh m your preMor stsmment In { ? H Yore new bdance wr zero a a cntdt arrharar0, rmw'Of yw roes! dea[roy Y11. merit card(. and aqa• vhrol A Mee Wndzed 6Wrrg ,d b ve D was mom tMn 050.00 aM the purtlher was made in your home amts or vAtlhin 700 mass of YVour mdWq addrea llf t Pod m)rore pachese a r+p Iglee Ao bags ypY P::'6' -Y bds»ea. We , uiyy?p?a acwr[. H of dw "pa You do m[ m cel onskllor m reac . we own or oPamte the me= a If we mdlad pu the am ?w for the PrapenV a rrNCes, aR Purohesm o f 8 o Use „t r =Z:- p tloeed fl vokw sooom vii not he + of Predheee.l I'- remember t o sigh almr? °rneepmrdarce T 70 c+lalem pore tofd tnanoe .urge, Yea average risky balaeoe by the Y e P trsrreatblr yorr fytp aWOywAmd, ='.h ryes Dee! rite fees, ovbdkhAt Teen teourred . t db8.r not e Pph m canstvater non aedd card eccatms rr 1 ro in p E etstdrtp an a OW basis, them aflyn wrlarhee tas daily We, cep n* beep and the anon! f , IteymeM fins, cash any advaroe its arW eoooux. yw em uitb forhose m you ?ffi weer S lbe, rot apply to busmesv non-credit ceM xmunts , '' ?ry o lrharhoe ch. eckrefly +aeeeee b. If the code Z or N epp" m i O of 1Ha atetem rt ' trey appear arh your eceotrnt atotot rem??eo to ? ? Cagtd privacy pnnwdm; aaa as rvaL W w ? es m ? A ? T . ? ar roxt re Bdanc?e Rem a, dally belem, aver of asdh awr..h..n .... pre rogimst m cove tie s , 7 iya charges aPPearir0 on wear erm.r .fh... rewit In s w ww ,C kne,ea irh, ?apiul One b a rafly repnsmd rMce mark of r- kraefosed Pr°^dRr°e anvdoPe a OrZ) Wu?peYmem N raw s?xnarh apsmocfeAaoNngowkhar day vo reca(w h, ProNdad (1) pu eaq tlo botmm portl°n of Wa matanhen[ arhd Yoa crock PaYmerr rscdved by u at arty octpMpr khcatlm a in 6e mdteA p oirthedaPYwe?mo(dtu2o A?om Our?bwrNeada rt are Maridal mbrdner der mr ac?wr~ind0ta th°Mano{ Ah?aMck em. tNUn tk°p?r M ?Y Wttac aaM u a armckf., p Y rant Satiny, PoatN deYwry. THs augodz pp Ryyawaaqr ymaett, you autodze r m make • ores-tkrro aloetrortia trarsfor dehH tromp gyp. hal to maim a Chary. agsirgt your berhk aCCOrart rukrg iM Mack, ? pap r°draR or?otlvedm ?am ? °?s oven it eam by aanooro .as. if we camp! Procsw 1M tmrefer, yw arrtloriza One' I what's in your wallet?' CHRISTOPH B CONA NOT PAYING YOUR DEBT 058 DOESN'T MAKE IT GO AWAY. In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our fm 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 dales to keep your account from being charged off. ® 2006 Capita! One Services, Inc. Capita! One is a federally regvured service mark. A11 rights reserved 058-07754 90ne Account Previous Balance $1,383.17 Payments, Credits and Adjustments $.00 Tratieac6ons $35.00 Finance Charges $33.45 PLATINUM MASTERCARD ACCOUNT AUG 16 - SEP 15, 2006 5178-0526.0291-6641 Page 1 of l Paytnents, Credits and Adjustments Transactions 1 15 SEP PAST DUE FEE $35.00 New Balance $1,451.62 Your account is six payments hex nd. If we charge otryour account due to late payment;;, we .fill report this to Minimum Amount- Due $1,451.62 sevesul national crrd t bureaus which may have a serious impact ou }rour credit record. Act now to prevent this Payment Due Date October 14, 2006 from happening. Please pay the amount due on your statement or give us a can at 1X)0.955.6600. Well work A,ah you so you can lake control 4 your Capital One a aRint and start rehading your credit. Total Credit Line $1,000 Total Available Credit $.00 NOTICE: Look for a new statement design for your Capital One credit card beginning next month Credit Line for Cash $11000 A summary of the key changes will be provided with your new swemettt Available Credit for Cash $.00 You were assessed a past due fee of $35.00 on 0911512006 because your m'vtimuan payment was not received by the due date of 09/15/2006. To avoid this fee in the fits rq we recommend that you At yourservice allow at least 7 business days for your payment to reach Capital One. To nn Customer Rds&w or to report a tort or stolen amid: 1-800-903-3637 Said paymmu to: Sod inquiria to: Attn: Re- uome Promoting Capital Oat Bank C*W One P.O. Box 70884 P.O. Box 302&5 Chadotte, NC 28272-0884 SI.C, UT 84130-0285 Important Account Information Beginning October 15t, 2006, based on your account activity you may be assessed more than two late, ovahmit, or returned check fees that occur during any billing period. Finaace Charges Pkasetee nvetresi?deoR,dfar Iats imparrant information Balmer ra4 riad?r 0-pk, WE .tyCudM PURCHASES 61,3".29 077MD 2815% $33.45 CASH $.00 :077MD 25.15% $.00 ANNUAL PERCENTAGE RATE applied this period 26.15% PLEASE RETURN PORTION BELOW WITH PAYMENT :aplfdloW 0000000 0 5178052602916641 15 1451620050001451623 New Balance $1,451.62 Minimum Amount Due $1,451.62 Payment: Ute Date Oaolxr 14, 2006 Total enclosed $ Amount Numb r. 5179-0526-0291-6641 Re-p-w ffwd-zn dd uanLors-mailrhmges Mir. wug6lw-Merck d,.F sty a Ape! city S- zm H.-Phone Mascot, Ph- B-1 Addtm #9025902809864027# MAIL ID NUMBER CHRISTOPH B CONA Capital One Bank 4902 CARLISLE PIKE P.O. Box 70884 Irlululrllulrlnrll N llllll? APT 248 Charlotte, NC 28272-0884 MECHANICSBURG PA 17050-3079 hrLlLtLnldLrrlrrLlllrnLJtlnlultrlLJn6rllurll Irrr116nlII...d ltllrttrdldlrrdrrdlrlrrlIsIM11lt16r1 Please write yon 4cmaat nraalrer m yaw djr A it money order made payable to Capital One Bank and snail in the enclosed enaelopc r r s? t r 8 O O r ?N minlntm grace pedal of e an row purdneaw, new Ituciusea and new other scoomance with the Important Notlce IN payments below, and in tune for h to be rxdts0 by yam roe srotemem raid apetl?Bil iranetemb. it a?"don?tln e is no tr plow err any matreUan H you do ton pay the tool New bNaroe' b. Aorrip Fkraros 17epa. Tratwctlor vNidn ere rret anAject m a Vsoa pabd ens assessed finance large 11 hen the ds- of Una mansactlon a 2) hanmr fns dam tlne tranuctlm Is procured to your Acman or 3) from the Oran rapandar ley of the exam billing paled AdBtlaully, H you aid not WY tre'NSw BNrte' imm 1M pmMar bikng pW W M AN, flrnrnca rheryes cmawre m emu m Thb m tl?ist yet mally xi 1Matoe dtaq?ea, van if you pay to and New Belerte Indcamcl on the from of your dortaao mrMe?prcNot? mastele-Ot rts k :d UrpNd?/rensd ar are added to to aetPnam of your Aoooun. tc. Minimum Fnraa . Fa aoch Nfllnp padod tat ppeedodc rate. To obtain do avenge dNy balance f th hiflhV pedod covered by this sta(emem, hie mks the hb F% of calm se0nerrt each dull, add arty maw t ens m rh and abuse my W ymads a create. Ili the code N i to on the tram of dig aaemem next to 'BNena Bme Applbd To; we also abtrad arty nriPaid hence dargs hmonubd in the balance of each ) 7Na dues u the dysMy baiarree of aeon eed, ea,prrad br the Mgr and dvme by Me mul number of days rp period. Trio dwsa u the average daflY balance of wdn segment. 3. Anna Rotas IAPNI. e. The tam 'AnwW Petcontepe RaW may appear as H the code P IPt rte), L (3ana. 1113011), C (Certfleete of V a statement t the dpedadc rete(sI,the he front of perbdc rams and comssPadng ANNUAL PERCENTAGE RA7E5 F: th rtryatea°d Mai aama(ayndIt?TAe Wail Strsefbesed Jouw), pha the meryin ppreviou dsdoo"i m you. These MP be eHecnve m tre flret deY of your b.r. pxlod covered bY. You Pedodc. rtetemart etulrnp r7j fi'R'7 Will be effectlve an fire fiM day of your bfl8ng period each month 4. ASS* serstart of Late, Ov~ and PAkwod Paymat Fssr. Your account will be sauteed w more than two of 1, fees Aaad has that err duke any byltp perod. Under the tem» of Y'ser areormne apneanarc, eve reserve Use rldr to waive or nmot m ssssess any few vMhaR onion rodMestlan m at M waMnp our aids to assess to woe or Nnier at e bier furore. 6.ePPw- onYsrr Ae..WC If • menlre7 fee, you hav the front of this a-tartare 3f1 alone from the this statement tre Aswo aw fee WW to you to If you 5el yam acmem 0ITi tis period, you MO- cowl-a m tae your amour (tlaut hoots) m Wnron>bersHp fns. To cancel your accost, you tour now e e??e ?W?lptr (lbw faornrJrq?mre,t e, NN Y, w C6w Your Asastet Pons tan mepiree mm oboe a-"* access dodo, crncd N preaahori¢ed bOrnp, and oeaw aocaat. H you do nor mrw:el mrebt of aof a drnye stlon m -openWyar account. you recount M nor be rJawd uwy You DsY M annonrW yes owe w rot any trensmtlorna Yam Irve sulredzed, (Masao feed, , sh due few, Ovarflntit fess, -ttrrad DaYmetfew, rash sdvaree Toms ad wry War Toms ssaesaed m yen acoonar. You em -eptraEb for tlas amore +ndrether =appwrr a et a ream m darpes appesnknp an you accasr, atror you lave your accetan N H hew elrsedy been closed Fa example, if you eutrerizedowcfase hats a merdum ad vve secdve the t ddaant flan the mertlwn char yaw acoem hr been rdoaed, yaw axarr Ms be moDerwd, MManeddayndtaIam of the W vrM be added m year accoun, Imelmbeal iBe aeootalt VA Is =. be domed, m de s rZo pennhted by law. until the sooorsm bdanee Ma been pall kr 7W n defined above. 7. U1?Vak?, Your Aesou t.Your card a accent cannot be wedn owwmdm % ft wry kntemn ganbrnp to auel 8. NNbs Abet Elsskatio desk Oarrvaslss. Vvlnern you proNde a dreck ss psysnern, You autiredze u aftlner m use =s=on ftan yea dreek m make a one-fume dectlneknpad manioc from you mnk account or to wee ~hbtmapm f?mm as d ack m modw and Mae flaw framer, finds maY be =a= Your bank eornnan a soon as tre acmpas you wM rot rooNVe yea duck bxk ism your Awdal Metltuion. BILUN0 RIGHTS SUMMARY (M Case Of Enos a Oumdoa About Your Bill) :r.= your =a, ong, a if yoo ned mom on a on a faits, writs m a m a separate Nast ss soon as paWNe at the Address for irqulties shown an the iron of this suteman. We most am" from you ro lamr tam 80 days after we wan you the flat 613 an vtldn the am or proaem orp?acad. You can cell our Qatonmre Relations number, but ddrnp so wit no pprsserye your rid-. M Your letter, dw ua the 1dlaMng intametlon: Your nsms and accent number, the daMar amour of tre arrsPeeted ere, a dareaptian of the croon and an nplanetlri, If possl6b, ? whom you helbve tlrem is an error; a H you need moro M mtatMn a dssedptan of Use hem you are unsure about. Yau do not Mw m pay wry amain n 7ttwtlon vole we ere Invwtloatkq h, but you em sal abt ed to Day the peru o1 your_ bM(But are rno In WNb we co""" -port you as dellrngnrent or to any to c we dtaa the amain you questlOn. t,t Spacial Rule Fa Ctsdt Cam Purchews or rtyad you If you ovaat You E.: t e; a proaem vttlusppropwiththe wvo . card rand havetdtl merchant, you fehh m tin ymay have tin dam not t to ohoy to paY the remaining 450.00 0and tre p we ase Cy or o.. . vw -wade rieswas= In yen home are or tNtlin 100 mflss of your toeing addrwa. (If vile own m aperaro to menlex, a if the mafled you the advartlaemem ter the propecry or servkw, afl puftlasse am covered repsrdws of amain or toration of purduse.{ Rouse ranember to sign all cormsporndsme. be to your rerpsar m dose the sowrsr. This maY reels in t Dow not apply to consumer ton-c-dit cad account, t Does not apply to baanass non-nadir card accourrts privacy protection ass our red aervics mark of Capital Ms reserved. s 2003 01LOLBAK total RNANCE OAAeROOEE of $0.50 aM be Imposed If due periolc stela) b bee Aun b0 60, we v,W ?,abtmct tlat amearl irom the 10.60 rNNnnm and 1fre dflererree vrM be hied m tire prduse sepre?t of ewer. td To. Rankrstisn it F'Ytrw drys. We reserve the dye to not assess wry or sit Acme durges fa any given 2. A v= pedodysbtw f"ah" r? Naw NrNrsrl. a. Rnuroe =W.= e daily balance of your aooo rd ls.p., uri advmoe, purolase, apedd [reefer, as spedN ptrrhsw) by the carteapandrnp dsfly pedodc tom(s) tat has bean ptevierNy, doclossd to You. At the and of soon dell the !V pabd, we apply to daily pedoAc rate for sepnan of yooracoou4 m fie deal - of woi seQtnam. Then at the end of the birp (caned, we add up = 11, of truss days ralas. alnlarr m active Yoram melts from each segment t to arrive or IM total r?lp Anefrce longs fie Yaw aocormt. To get the del balance fix Bear aepnnermt of ydrr aoceun, WB mks tlne balance to won segment and add anYy raw previous ad anype dodo firrree tlnerpe ralWeted an n the Use peaora days belaree fa tat mropment. We tan abhact wry payrrraw a crodte pasted a of tut dull that am dlaratad to that =Z. This e sepstaro dally bdrnce tar calof 'V=12. However, If you the New Balance sheen m your p avlea statement In iW for if yen- new wlarree vvas zero OF a credt amount), new traaaatlere Mich pwl m you pudass a Redd pndrsss sag ens are roc added m the dNIY bNarrces. We ealdlate the average %y4MWnce ==d to daily topetirer and the --her of the do, p M 1118 awterm bill" hYnp cycle. To reMlete yonw total Aeree darye, mtNiplY You average daflY bslew:e by the doll aodc ram and by tre -mba of deya M the bong pe Due to roundrrg m a dally bash, taro may be a aMdrT vaaarce between this ealdledon and to amont of finNmoe large actually assessed b. If the code Z or N eppw- on the front of No statement If m'Bdaw:e pate AppMed To; we mnltlply the Ml,?tlfs?anclw?sd romftia ?vNope and You pcaymreM is rx Iwd?MU? aamceaN byy9 Py ?w1H? noon Pit ?tPlea?ie albw?at b?,an?tro 6? obnMnns Gyi,yfor Pwul d?elrodwfck PPlassse de r uidiae batapbs paPaosMp?s eM. Mena MpaWmp yafto Ps?r,nwtt WMn You tWwnd to a?Nadcletl You su8adza w?,to make a anstMns hie ?io k: traafe debit franbank iGYO. aowrst fix the snout o{ tts tlneck ?fe aWnMzadon appkaa m NI dacka recNVOd doing the bpiq cycle even it sere by someone Nse. If wa carwat Proua tre transfer, you audnWza u to make a large agaitm your punk aornum uelrq tM deck • paper draft or otter hen. First 3 months half-price i 4 97 a month; $996/mo. d,aroanar. SIGN UP TODAY: 1-877-7781207 Mention Offer Code: AMBER or visit www.peoplepc.com/go/amber 500016 peoplepce online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half-price for the first 3 months! ® Email Virus Protection ® Pop-Up BIOCkerT- ?? Spam Controls Smart Dialer Trl Phisher Security Internet Call Waiting FINANCE Previous Balance Payments & Credits C HARGE Transactions New Balance Minimum Payment Due Date $1,451.62 - $0.00 + $35.14 + $35.00 = $1,521.76 $521.76 Nov. 15, 2006 Sep. 16, 2006 - Oct. 16, 2006 Page 1 of 1 PLEASE MY AT LEAST TwS AMOUNT MasterCard Platinum Account $178.05260291.8641 Your Account Information TOTAL CREDIT LINE $1,000.00 TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $1,000.00 AVAILABLE CREDIT FOR CASH $0.00 FFinance Charges (Please see reverse for important informetbn) Balance rate Periodic Corr r?Ing FINANCE applied lo rate APR CHARGE ses $1,469.66 0.07712% D 28.15% $35.14 $0.00 0.07712% D 28.15% $0.00 AL PERCENTAGE RATE applied this period: 28.15% ® At Your Service 1.806903.3637 To call Customer Relations or to report a lost or stolen card 0 Send payments to: Captlal One Barak P.O. Box 700 - Charlotte, NC 28272-0664 A Send inquiries to: Capital One - P.O. Box 30285 - Salt Lake City, UT 84130-0285 Payments. Credits & Adjustments Transactions 1 18 OCT PAST DUE FEE $3500 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 15 061016 PAGE 1 of 1 COLR233B O1BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT cI what's in your wallet?' 0 5178052602916641 15 1521760050000521765 New Balance Minimum Payment Due Date $1,521.76 $521.76 Nov. 15, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed C:=. Capital One Bank r?rr?rr??rtrr???r?rt P.O. Box 70884 Charlotte, NC 26272-0884 Account Number: 5178-0526-0291-6641 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address Q •9029002809864022# MAIL I9 NUMBER CHRISTOPH B CONA 4102 CARLISLE PIKE APT 246 MECHANICSBURG, PA 17050-3071 111111nr111nn1t611rtIslip 11 r, J 010 1661 t 161111 6111611 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 Internet. UNLIMITED INTERNET ACCESS SIGN UP TODNn 1-877-7784207 Mention Offer Code: AMBER or visit wwwpeoplepc.corn/golarnber PeoplePC is solely responsible for this offer and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offe5 you may be communicating information about yourself to the company that provides this product- for example, that you are a Capital One customer wPeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter Offer available to new dial-up subscribers at least 18 years of age and may riot be redeemed with any other offer Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll free at 1-877-778-1207. Service rat available in all areas. Access fees, taxes, and other fees and restrictions may apply Telephone toll charges may apply even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be charged at PeoplePCI; discretion. Continuous use subject to fimeout procedures. All use is subject to PeoplePC Onlinet Services Agreement and Acceptable Use Policy 56K is the maximum speed of service; actual speed may vary 02006 PeoplePC Inc. M Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. A)I rights reserved. 1. Her to Avoid a Finsnes Charge. t S. tines Period. You will have a mininerm grace period of 25 days without Mrence charge on new, purchases, new balance transient, new special pundraaes endnew other charges if you pay your total V.. Balance', in accordance whiz the Importers Notice for payments below, and In Ikha for It to be credited by your need syyment doang dabs. There Is no grace period on cash advances adi= Ink m. In addNon, rem Is nit grace period onwry transaction x you do not pay the total 'New beunos.' b. Accruing Fiance Charge. Tmnsabdors velum are not slb)ed to a grxe period vie assessed finance choW 1) horn the daa of Its sasacdo. or 2) from as data the transaction is processed to you Account or 3) from the Bel calendar day of the anent Wft Period. AddtlaWy, a you did not pay the 'New Balance' from 6e previous belle Period in full. francs dagn continue to souue to your unpaid balance unlit the -paid balance is pea In fur This means that you may ON owe passion charges, even t you pay ale entlro New Balance Indicated on its from of your statement by its next stataesnt dosing daft, but did not do 5P for the previous, marten. Unpaid faatoo charges sm added te the apprksbie sagnent of y-Account. f c. Nnkrwan hianea Charge. Fa mitt baYg period that your account he Subject to a inalhca chage, a mkaalm total FINANCE CHARGE or $0.60 will be imposed, f d. Temporary Reduction In Fleshes Charge, ft mmrw the right to not assets my or ant firance charges for any ghat being period. 2. Avenge Daily Baynoa (lenrAaAkng Now lour chaaaa). Faanca charge is cakuoed by multiplying the daily balance of each segment of your account (o%, rash advance, Purchase, special barter, and special punches) by to oorreapadc0 day periodic ros(e) thus has been pnewously disclosed to you. At the end d asch tlay during the billing period, we apply the dally parted, rote fa mitt segment of your account to its daily balance of each segmad. Then at She and tithe brag period. we add Ill the results of t sae daily calculation to artier at your periodic Mme charge for "on sagnws. We add up the results from each segment to am" at tha total periodic Mende charge for your accent To go the dairy balance for each sagmarm of your account, we aka to beginning balance for each segment ad e0tl any newbasadions and any periodic finance udharge calculated on the previous day's balance for tlhstsegrrsnWetansuhbacwrypew as or credits posed n of tut day tat are allocated to that segment. This gives us the wpaate dsly balance for each segment of you sccourrt However, N you paid the New Balance shown on your proweus statement in full (w If your new balance was zero or a =0 amount), new barwdima, which post to your purchase or special purchase Segments are not added to the dally belanaa. We calculate the average dairy balance by adding at the dally balances together and dMoIng the sum by the number of the days hits camant billing cycle. To cakxdete your total finance charge, multiply You avaags defy balmca by the daily periodic rate and by the number of days in the billing pencil. Due to rounding on a dairy bask or due to mtrirum hence charge asses k there may be a variance between this carsuledan and the amount or finance surge actually assessed. 3. Annual Pertanpe Rays (APR). a. The form'Mncel Percentage Rau" may appear as -APR- on the from of this Statement, b. If the code P (Ouatery prima), L (Oualaly LIBOR). C (Ouerhady Crl, or S Mahkcerd Prime) appears on the front of this statement nod to the Periodic rate(s), to periodic rates and corresponding ANNUAL PERCENTAGE RATES rnaY'varY quality unit may Increase orders based w to atatstl Nhdiosa, u feud in The Wall 31rost Journal, plus the margin p romualy disclosed to you. These dhapea veil be edeed" on vie flint day of your bNing period covered by your Periodic statement ending In the montlq of Jmuay, April, July and October. c ==G (Monthly Primal, F (Monthly LIBOR), a G OR) appears on the from of your Statement rod to the periodic rate(s), the periodic mass and conneapording ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the Stated Indksa, as found in The Wall Straus Journal, plus the margin Previously disclosed to you. Tham changes, we be edecave on the find day of your bung period each month. 4. Assessment of Lay. Owelan s and Relearned Payment Fees. Under the yms of your wslomo agreement. we mearw to dgnt te wave or not to assent any fees without Pricr'notlficatloncyouwlthh Awe kg our rigor c assess the -8.3eniafeas vie fttartime. t 5. Rerhswhn9 Ycnnr Aeoout. K s membership fee appears; on to from of your etatearathL you hew 30 days from the data this atalamantteas mal ed loyou te awe peyng Viii fee or to have such Ice credited to you R you cancel your account without having to pay Ua membership fee. To cancer your account, you must nodly us by calling our Cuaromer R6Mioa Departrmerd and pay your lbw Balahca' In pull (ehctuding the membership fm) prior to the end of the thitydey period. 6. N You Clem Your Account. You can request to does your account by citing our Customer Relations Department. You must destroy your credit owd(s) ad acceurri access checks, cancer ON pmatnorized Sling anal oases using your account After your request to dom. R you continue to transact w do not cancel preaududaed biing Impingements, we ail consider reoep of s charge your authMretm to keep your account opm. Additionally, your account will not be closed unlit you pay all mqums you owe us Including: any transactions you have authorized. finance charge, past due fees, ovedmt fern, returned payment less, an advmce hue end ay oterfees aeeeesad to your acceum. You vie eaponsible fa these an punts westhatney appear on your aomunt at the time you request to dose to account or they are Incurred subsequent to your request to does to actuud. This may result In charges appearing on your account after you haw requested the account to be dosed. r. Using Yeur Account. Your card or sccoum cannot be used in connection with my Internet gerMeng transactions. S. Notice About Electronic Check Conversion. When you povde a check as payment. You authorize us either to use information from your check to make a ore4ime electronic fund transfer from your bank scoant or to process me Payment as a check transaction. When we use M-neon from your d*.k to make an eledr-it, had transfer, (units nay be witlhdrawn from your bank account es Soon as the am* day we mooke your payment, and you wR not recelw your chock beck from your financial kerraaon, BILLING RIGHTS SUMMARY (In Case of Errors a Gueatons about Your BSI) N you tledr your bill k wrong, or if you need mom Imgmatlon on a transaction a bill, wily to W W a Sepurets an" as Soon as Possible at the address for inquiries shown on the front of this atatenem. We must how from you no later than 60 days after we gem you the Ing bit on whdch the anon or pmbjwn appeared. You can call w Customer Relations number, but doing b wet not Preserve your rights. In your leWr, gke us the folkreing k+farrnhetlon: year name and account number, the delve amour of the euapecled croon, a descdptkon of the ama andan explanation, If possible, of why you believe there is an emor: or if you need more information, a description of the Rem you are nsur about You dpi not haw to Pay wry amount in question what we em Investigating t, but you we aril obligated to pay the Paris Of your bat thus are not In question. widle we Investigate Ywr question, we cannot repel you as dafinquam ar take my action to coiled to ¦mout you question. F, t Special Rtte for Credit Card Purcheaee If you haw a problem with the quality of popery or services the, you Purchased With a credit card and you haw tried in good faith to coned the Problem with the mwdent. you may hew ft right not to pay to remaining amount due on tlo property or ser*.. You have this hanectlon only whm the purchase price was more than 960.00 and as Prrcham was made In your home state a within 100 mikes of your raging address. Of we own a operate the merchant, or a we mailed you the advertisement far the Property or Services, all Purchases vie covered regardless of amount or location of Purchase.) Peen remember to sign all cataspcntlence. t Dose nor appy c,wns Inca<mda cardaccoune t Does norapPfya business non r t cod accounts Capital One suPpors information PMAW protedorc wee our mother at www cadtarora car Capital One IS a federally registered SWA. mark of Capital One Financial Corporation. AN rights reeorved. O 2006 capital One 01 SC6056.6-12121M m ilie"a Natlse: Pir rhera you cash to a WE be ceakd b Your wxount as Of is bskaw dry we rocala a, prodded (1) you Saud tlo bottom pardon Of ft Sssamt ad Yom thick In do andoed gmtaroe anvalops and (2) your WWI is W w d inocrprocaanp ceaa by 3 pm. Er (12 mm Pr). plans alo%a paid the (5) barriers daya for post dd_y. pay." coked by w at shy ahS, bate. .in any other form may rot be aeahd adds dayws amine dam. Or Wainer daft w Holiday though Sakeday, axdodiil holds". phrase do not use Staples, paper *a, ft who Meting your payment yfisn you Said w a dad(s), you earn. a b make a_b_ elecbmc km* dabs from your yd attord for tlo anhaa sly died, This wtlhoNNbn Won b at dada received dung its MR ride even f are by a risen! She. am or hoot Prows the tr, imfa, you ahgQe us b make a chage Spread you bad aotamt asks to dock, a Paper "orolyr am. The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn falsification to authorities, that he/6o "o?sna Uavi> is the Authorized Representative, of Capital One Bank (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Declaration, and that the facts set forth in the foregoing document are true and correct to the best of his knowledge, information and belief. -:!? ,,4mbna Uavis Authorized Representative Capital One Bank, (USA), N.A. 1300000021867762 Iona 07-30159 5178052602916641 I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK, hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Stephen Howell, Esq. 619 Bridge St New Cumberland PA 17070 Date: August 06, 2008 PA-65 Certificate of Service P&F File No 07-30159 i s r.. Main street Carnegie, PA 15106 (412) 429-7675 N ? _? _ :_ -'si _ ?...? -- ?? ? i --? 3- _? ? ;T i`Ti `3 x ?w CAPITAL ONE BANK, IN THE COURT OF COMMON PLEAS PLAINTIFF CUMBERLAND COUNTY, PENNSYLVANIA VS. NO. 08 - 3697CIVIL TERM CHRISTOPHER CONA, CIVIL ACTION - LAW DEFENDANT JURY TRIAL DEMANDED PRELIMINARY OBJECTIONS TO AMENDED COMPLAINT To: Capital One Bank c/o Gregg Morris, Esquire Patenaude & Felix, A.P.C. 213 East Main Street Carnegie, PA 15106 Notice to Plead YOU ARE HEREBY NOTIFIED TO FILE A WRITTEN RESPONSE TO THE ENCLOSED PRELIMINARY OBJECTIONS WITHIN TWENTY (20) DAYS FROM SERVICE HEREOF OR A JUDGMENT MAY BE ENTERED AGAINST YOU. Motion to Strike Count II (Breach of Contract) Plaintiff's Complaint includes a request for $750.00 in attorney's fees at ¶13. 2. If legal fees are to be awarded, the action for legal fees will need to be brought by petition following the conclusion of the underlying case. Seghetti v Heritage Resorts of Gettysburg, 19 Pa. D. & C 4 218 at 220 (1993). Plaintiff has pled a sum certain for $750.00 in the Complaint at Count II and any claim for legal fees must be ascertained at the conclusion of the action. See also Shevchik v. Zwergel, 8 Pa. D. & C. 4th 66 (1990). WHEREFORE, Defendant respectfully requests this Honorable to strike with prejudice any claim for counsel fees in Count 11 as premature. w r" Respectfully submitted, By: .ay.. vaa, a.ioa?uaav owell Law Firm 619 Bridge Street New Cumberland, PA 17070 Supreme Court ID 62063 (717) 770-1277 Attorney for Defendant CERTIFICATE OF SERVICE I hereby certify that on the date set forth below a true and correct copy of the foregoing document was served upon the persons and in the manner indicated below which service satisfies the requirements of the Pennsylvania Rules of Civil Procedure. Gregg Morris, Esquire Patenaude & Felix, A.P.C. 213 East Main Street Carnegie, PA 15106 B Date: August 26, 2008. =v -TI IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff NO. 08-3697 V. CHRISTOPH B CONA Defendant(s) ANSWER TO PRELIMINARY OBEJCTIONLS TO PLAINTIFF'S AMENDED COMPLAINT Filed on behalf of: CAPITAL ONE BANK Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & helix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA-95 Reply New Matter P&F File No. 07-30159 i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff V. CHRISTOPH B CONA Defendant(s) NO. 08-3697 AND NOW, comes Plaintiff, above named, by and through the undersigned counsel, and files the following Plaintiffs Answer to Defendant's Preliminary Objections to Plaintiff's Amended Complaint, and incorporates herein by reference the averments set forth in Plaintiff's Amended Complaint in Civil Action filed at the above number and term, and further avers as follows: 1. Admitted. 2. Paragraph Number 2 fails to make a factual averment. The Paragraph states a conclusion of law to which no response is required. Without waiving the foregoing objection, Plaintiff is seeking attorney's fees as provided for the by the account agreement and those fees should be pled and awarded upon a finding of default. De Lage Landen Financial Services v. Rozentsvit, M.D., 939 A.2d 915, at 924 (Pa.Super. 2007). 3. Denied as stated. Plaintiff admits that attorney's fees have been pled in the amount of $750.00. It is denied that attorney's fees must be ascertained at the conclusion of the action as the case cited by Defendant, Shevchik v. Zwergel, 8 Pa. D&C 4th 66 (1990) concerns PA_95 Reply New Matter P&F File No. 07-30159 attorney's fees awarded by statute not the agreement. WHEREFORE, Plaintiff request that the Court enter the attached order denying Defendant's Preliminary Objections to Plaintiff's Amended Complaint in Civil Action along with any additional relief the Court deems appropriate under the circumstances. tted: Patenay{le/B/Felix, ARC Gr g IV. orris, Esquire 3 E. ai Street gie, 15106 (412)4 29t 5 PA-95 Reply New Matter P&F File No. 07-30159 I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK, hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Stephen Howell, Esq. 619 Bridge St New Cumberland PA 17070 Date: September 11, 2008 PA-65 Certificate of Service P&F File No 07-30159 (412) 429-7675 ra C?y ? s.. -? ? ? ;,?;; cs'"? --? ? ? , .. pN , ?,? .Lr.?y ?; . It t^ G' 7- J At ?I: z, 9 u JiP&i1?,SYL1?'?11k`NT1f C; IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff NO. 08-3697 V. CHRISTOPH B CONA Defendant(s) PRAECIPE TO DISCONTINUE WITH PREJUDICE Filed on behalf of: CAPITAL ONE BANK Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA_169 Prep Disc with Pndc P&F File No. 07-30159 r. ' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff V. CHRISTOPH B CONA Defendant(s) RespectfuZub itted: Patenaude eli , A.P.C. PRAECIPE TO DISCONTINUE WITH PREJUDICE TO: Prothonotary Please discontinue the matter captioned above with prejudice, upon payment of costs only. Thank you. Date: September 13, 2010 Sworn to and subsc . ed bef re me this day of • , 20L1. _LJ le? Notary Pub is CoMMC) WVEALTM CF PENNSYLVANIA WA Y1111 Sul Carolyn J. Stewart, Notary Publlc Came& Boro, Allegheny County My C:l5won E res Aug, 14, 2011 Member, Pennsylvania Asaodedon Note PA_ 169 Prcp Disc with Prjdc NO. 08-3697 Greg Morris, s 213 . Main S t r et C egie, PA 1 106 ( } 429-767, P&F File No. 07-30159 I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK, hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Steven Howell, Esq., Esq. 619 Bridge St New Cumberland PA 17070 Date: September 13, 2010 Gr g L. Mo s, Esquire famegie, aude & elix, A.P.C. E. Main /Street I DA (412) 429 675 PA_169 Prep Disc with Prjdc P&F File No. 07-30159