The URL can be used to link to this page

Home My WebLink About08-3957mmmnNWEALTH OF PENNSYLVANIA COUf%, W COMMON PLEAS . 9tA Judicial District, County Of CUMBERLAND NOTICE OF APPEAL FROM MAGISTERIAL DISTRICT JUDGE JUDGMENT COMMON PLEAS No. t6-,5q5'7 C:iyi NOTICE OF APPEAL Fkd 7/3/D8 Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. NAME OF APPELLANT mr.a. uw i . iw. CAPITAL ONE BANK 09-1-02 ROBERT V. MANLOVE ADDRESS OF APPELLANT CITY STATE ZIP CODE c/o Nudelman, Nudelman & Ziering 425 Eagle Rock Av Roseland NJ 07068 DATE OF JUDGMENT IN THE CASE OF (PtainUM (Defendant)- 06/12/08 CAPITAL ONE BANK VS AND REE DOCKET No. SIGNATURE TNT OR ORNEY GENT CV-0000073-08 This block will be signed ONLY when this notation is required under Pa. R.C.P.D.J. No. 1008B. This Notice of Appeal, when received by the Magisterial District Judge, will operate as a SUPERSEDEAS to the judgment for possession in this case. If apps ant was Claimant (see Pa. R. C. P. D. J. No. 1001(6) in action before a Magisterial District Judge, A COMPLAINT MUST BE FILED within twenty (20) days after riling the NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of forrn to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon Name of appellee(s) appellee(s), to file a complaint in this appeal (Common Pleas No. ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or attorney or agent RULE: To , appellee(s) Name of appellee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAYBE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. Date: 20 Signature of Prothonotary or Deputy YOU MUST INCLUDE A COPY OF THE NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AOPC 312-05 x PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF ; ss AFFIDAVIT: I hereby (swear) (affirm) that I served ? a copy of the Notice of Appeal, Common Pleas No. (date of service) , 20 , , upon the Magisterial District Judge designated therein on ? by personal service ? by (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, (name) , on ,20 ?by personal service[] by (certified) (registered) mail, sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS DAY OF , 20 Signature of official before whom affidavit was made Title of official My commission expires on , 20 Signature of affiant AOPC 312A - 05 1 • COMMONWEALTH OF PENNSYLVANIA f`l'it tnrrv nc• CTIMINRLAND Mag. Dist. No.: 09-1-02 MDJ Name: Hon. ROBERT V. MANLOVE Address: 1901 STATE ST CAMP HILL, PA Telephone: (7.17 ) 761-0583 17011-0000 ATTORNEY FOR PLAINTIFF : PAUL J. KLEIO[ 425 EAGLE ROCK AVE ROSELA, NJ 07068 1<!? ?' 550 NOTICE OF JUDGMENT/TRANSCRIPT CIVIL CASE PLAINTIFF: NAME and ADDRESS l"CAPITAL ONE BANK 425 EAGLE ROCK AVE ROSELAND, NJ 07068 L J vs. DEFENDANT: NAME and ADDRESS rCREE, AflDww 134 5 24TH ST CAMP HILL, PA 17011-4609 L J Docket No.: CP-0000073-08 Date Filed: 3/17/08 THIS IS TO NOTIFY YOU THAT: Judgment: DEFAIILT 0 DENT DEF. (Date of Judgment) 6/12/08 T Judgment was entered for: (Name) CRZE• JMREN _ © Judgment was entered against: (Names) CAPITAL ONE BANK in the amount of $ ' Defendants are jointly and severally liable. Damages will be assessed on Date & Time This case dismissed without prejudice. Amount of Judgment Subject to Attachment/42 Pa.C.S. § 8127 Portion of Judgment for physical damages arising out of residential lease $ Amount of Judgment $ .00 Judgment Costs $ .05 Interest on Judgment $ • Attorney Fees $ • Total $ .00 Post Judgment Credits $ Post Judgment Costs $ Certified Judgment Total $ ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF THE COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. Date , Mo gist* M1ftt Judge Mb'F 01 1 c ify t at this is a true an"ZV re opy f: ere or oft proceedings coia)faioing'the judgmerit, Date-t? Judge My commission expires first Monday of January, 2012 kAL AOPC315-07 4*."tX .+t•#" DATE PRINTED: 6/12/08 11:46:00 All[ - MM, WEALTH of PI WSYLVANIA NOTICE OF JUDGMENT/TRANSCRIP T OF: CU1L88RI AND CIVIL CASE PLAINTIFF: Mag. Dist. No.: 09-1702 M NAME and ADDRESS CAPITAL ON191 DAA71K 425 EAG C DJ Name Hon LE RO S AVE ROBERT V. LOVE ROSELAND, NJ-07068 Address 1 AMP HIATE ST L J C LL, PA vs. a F h ',,- 'E DEFENDANT NAME and ADDRESS Teiepkne. JIT) .'161-0553 17011-0000, ?CR$$, ANDREW w 134.5 24TH ST CAMP' }SILL, PA 17011-4609 CAPITAL ONE BNK/PAUL SLEW L J 425 EAGLE ROCS AVE Docket No.: CV-0000073-08 ROSELAND, NJ 07068 Date Filed: 3/17/08 THIS IS TO NOTIFY YOU THAT: DEFAULT DEF jQateJlgmeotr 6 12 / 0 8 ® Judgment was entered for: (Name) CRZE, ANDM T Judgment was entered against: (Name) CAPITAL ONE BANS .0 in the amount of $ Defendants are jointly and severally liable. (?} Damagesr,IIl be assessed on Date & Time r ~ } ..This case,?ctismissed without rej udice. P r , 4 Amount of Judgment Subject to Attachment/42 Pa.C.S. § 8127 ? Portion of Judgment for physical damages arising out of residential lease " ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF THE COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE` JIJQGME?JT HOLDEP ELE;CTS.TO_ENTE THE JUDGMENT ?I?I71 000RT OF' 011Aa_, ,PLEAS, ALL FURTHER 'FbCES§ MUST Ct?iiflIti'F#OAA'%f-6bLn: T OF COMVOI? LE" A D MO SS AIAY'BN UED BY -0415 1taI$`TE RIAt"I IS I FffCT JUDGE UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY. FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR. PAYS N FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. 6 4 Magisterial'District Judge w l `f'y' th t this is a true an opt: f ' e or' oft proceedings' containing the judgment.. Date Magisterial. District Judge My commission expires first Monday of January, 2012 SEAL AOPC 315-07 r DATE PRINTED: 6/12/08 11:46:00 AN y, w . 1. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CAPITAL ONE BANK Plaintiff V. ANDREW CREE Defendant(s) Tw-- NO. D F 3 9,5 -7 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 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 S. BEDFORD ST., CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CAPITAL ONE BANK V. ANDREW CREE NO. Plaintiff ) Defendant(s) ) COMPLAINT IN CIVIL ACTION Filed on behalf of: Capital One Bank Counsel of Record for This Party: Paul J. Klemm, Esquire Pa I.D. #92125 Nudelman, Nudelman & Ziering 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 Y'k A? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK ) 3 gS.7 ?,? NO. a Plaintiff ) V. ) ANDREW CREE ) Defendant(s) ) COMPLAINT IN CIVIL ACTION 7--01- AND NOW, comes Plaintiff, CAPITAL ONE BANK, above named, by and through its attorney, PAUL J. KLEMM and the law offices of Nudelman, Nudelman & Ziering, 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 licensed to do business in the State of Pennsylvania. 2. Defendant is an individual who is believed to currently reside atl34 S. 240' St., Camp Hill, PA 17011-4609. 3. Defendant owes the principal sum of $3,503.43 for credit extended by Capital One Bank to Defendant on account number 4862362460985164. The credit card statements are attached hereto as Exhibit "A" and incorporated into evidence. 4. Pursuant to the terms of the credit card agreement, Defendant also owes interest at the rate of 27.9% in the amount of $1,743.35, and reasonable attorney's fees in the amount of $770.75. 5. Plaintiff avers that Defendant is in default for failing to make payments to on the aforesaid account. 6. Plaintiff has demanded payment but Defendant has failed or otherwise refused to pay the aforesaid sum due. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the principal amount of $3,503.43, interest at the rate of 27.9% in the amount of $1,743.35, reasonable attorney's fees in the amount of $770.75, and costs of $129.50 with continuing interest thereon at the legal rate 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 Submitted: Nudelman, Nudelman & Ziering, P.C. Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 %W VERIFICATION The undersigned, Paul J. Klemm, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the forgoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed this 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 forgoing 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 undersigned understands that the statements herein are made subject to penalties of 19 Pa.C.S.A. Section 4904 relating to unsworn falsification to au ies. G/01-Df Date: Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 IL *- Exhibit A .• I% CUSTOMER AGREEMENT Wdmms b COW One* We am phased b open your credit ant account This Agmeraut arWu kdormallon about you account. Phase need it and keep it or your records. In rib Agmemrd to wade you,' your end yeas' ruler to each person who sgnsd she appk*n and b anyone else who on the &=unt In any way. Each of you b Ndlvku sly end odly ablpaMd under Ihla Agramred The worda'Yre,''e and'our mean CMM One Bede and b suooea ss or assigns. We an delay enforcing our rights urdrthbAgeernsrlwMhaAbWg tWn. Usag Yaw AceomL You an assn Nahum and OW ash advances (II we have Idd you set ash advances are an option for your sococmQ by using your ail, account amber, and any avant amens dn, " (khdhdig Purdue Cherie, Caworte ce Clods. SpxW Transfer Checa oW error similar dsct) tat we may send to you. When we provide you wIM account access chats, we will lel you whether tray will be treated as purchases, ash adaim a spatial fronsism. Unless we tat you dherwia, Convenience Cherie will allays be bested as cash advarm Your curd or account amt be used in connection wit any Inlmot or hugs gambling tarwectim Your card and amaat may only be used for void and lafil purposes. If you use, or slow someone she b use. the card or amount for any krpemia ble pupae, you will be responsible for such use and may be required b reimburse us and MasterCard Inlsmataal Incorporated or Vim USA. W, as applicable ter all amounts or expenses we or they pay as a result of such irpartlssble use. YOU agree 1mt we are not relpOmebb l arhyohhe mekaa b trolef your eacuhL If you do not use your account you may caned It by calling our Ctebmer Ralston depadment and desiroykg your and(s) and amount access tech within 30 days alter you realve em Cash Egdvalint Transactions. H ash advances am an option ter your arrant you can use your account b purchase kerns that are dkadly convertible to ash. Thee ash equivalent l ansedbns wit be Immed as cash advances and will be billed b the ash advance segment of your scomt Cash s*0mMM transactions Include the purchase of wile transfer money ordam balk beery kk* vein gamkg chips, and other similar products our services. Your Credit Limit. You were old your credit emit when you opened you account. You also may have afferent credit Wilts tint apply to different sgprents of your amount (such as purchases. ash advances. and apedal transfers). Thee deck ikalb will be k ntlted an your periodic secant You agree to make purcMSe or obtsh cash advances only up b tie relave t auk knit. We may ixasae or decrease your credit Wilts at any tare, may trek the mtmat tot M available fa ash advances, or may Wicdude cash advances entirely from your accurst We may loner trensedtions in excess of your credit Wnl, even l Mon kanuclbns result In an ovedkNt be, and Mom hansackaw and fee will be covered by the Agreement. frla Jon Payments. You promise b pay a d amounts due readkg from the use of your account, Including easy fiend dagas and o1w dnrgas due under to isms of this Agreement. Payments must be media in U.& dollars. Payments made by a regoteble WMVWd such as a deck or a NOW order must be in a form amepMbW to ue and be drawn on a U.S. fiWOW Institution. We may allocate paymante amag the various mgmWhM of your accord In any way was didrmine. You must pay at least the minimum ~ due by the deb mquasbd on your steMnont to amid a Isle payment sae. However, you may pay more arm the minimum payment or pay Me balance in fed. In any case, finece charge will contree to be amassed during Willing perbds get you carry a balance regardless of whether or not your steenWt shows a nii inure psymad due. We can accept isle payments or pentlel payments our checks and money orders marked "paynWt in fur or of er similar language wow losing any of our rights under this Agreement hcudinp our right to receive payment In U. Paris* Slammed. Each moth you hawe a balance in your mart, we will send you a statement showing all sancta s billed b you account during the Wing period. The WWg period Is the tme from one statement daiig date trough and IncWq Me next sfalemert closing dale. The sWament dalrg dab determines Me month of a specific Wlkhg period. For example, your January biding period Is to billing period with to slelanmt dosing dale h January. Flmmce Charge hdcmWion. A. Gras Rxbd. You will have a mailman gma period of 25 days without kiance charge on new purchases, new balance Im stns, new special purchases and now other charges I you pay your bid New Belson as shown an you periodic slalament in bay and in time for 110 be c W lad by yaw nod statement dosing dell. There Is no grace period on ash advances and spacial handers, In addlbn, l you rid rat pay to bid New Salaries from the previous big redem et In full and In tine for it to be credited by your next statement doekg dab, there Is no grew period on any transeclbn. B. Accruing 19nsnce Clays. Trensadons which are not subject to a gran period are assessed trance derge as follows: •Tm nsacllons made during to current big perbd: from the transaction dab. .Undated Muctiors and Monsadiaa made with account access deck: from the dab tie tramsedion Is processed b your account •Tra salons made prior to tie current billing period: from to first calendar day of the current beg period. Additionally. I you rid not pay tie New Balance from the previous blWg period in full, Inane Gages continue to accrue b your unpaid talena until to unpeld balance Is paid in full. This mesa Mal you may still an fiance charges. even IF you pay the esfre New Balance Indicated on she front of your stalment by the veal statement akakg dab, but rid not do so for to previous math Unpaid finance damn are added b the applicable segment of your amount C. Minivxan Finance Charge. For each beg period Mat your amount b subject to a fence charge. a minimum told Mrroe dew of $0.5D will be knposed. l to late finance dWge resulMig ton Ina application of your periodic rate(;) Is Isse Man $0.50. we will eubtrad gut amount from to $0.50 midmcm and the dltererce Will be bled to the purchase pegment of your account D. Periodic Raba We determine the day periodic rata by divkbg the annual percentage rate by 355 and roudkg it to Me nearest 1110D.W M of 1%. The rate may be Mena t for each segment of yaw arrant (e.g.. ash advance, purchase, special purchase, and special bnsr I applicable for your account). You ere bit to day, periodic mh(o) when you opened you aooanl and t appears on your statement. E. Cakolashg Finance Charge. Finance charge is calculated by mxdtlgyig the day balance of each segment of your aooamt (e g., cub advance, purcMa, special banner, and special purchase) by to camepo dng daily periodic rant(s) that has been pm*usly disclosed b you. At the and of each day during the billing period, we apply the day periodic rob ter each segment of you account to the day balance of each segment Than at the end of tits bang period, we add up tie malts of these day calculations to arrive at your perodk finance charge for each up" Was add up th resmAa fran each eepnhes to arrive at the bbl pwbdk Nana charge for your amount 005112-11 To get the defy balance for mch segmem of your account we take /e beginning 118181108 for each aapnWt end add any new UKOK urns and any periodic *00 cheya ordo lm on the previous day's balance fa that segment We Man subm any payment; or aedts P Mal a of that day Met are allocated to that sgmanL This "us to separate duty balance for such Segment of your am=* Ficwarar, l you paid to New Balance down on your new teraauto swhich pod to your purchase ospecial purchase segnhents am g not added to Me daily belances. To Wo lm, your IDW frier" c enge, multiply your avenge day balance by to daily parbdo rate and by to number of days In to burg period. Due b auli ton and to a inarbeft t of tree chmay be a *M varkince arge actually a-W. bNeexh We mmk an F, Cask Adimra Fee. If e ash adWhce lee applies b your Am-It you were bid to In when you opened yaw account. The be will be charged each Tone you obt* a ash advance and will be added to the cash edvnoa segment of your account and will reduce you avopbla cm& The an" of to ash advance fee cell be added b other 6Whoe carga m your periodic sMlamant for Ilse purpose of aba/Nng to annual p -fie ram dhcbaed Ihera This may cause to amid peronYge nab dkimed on your **"W to be grodr ten to anus percentage rob tot cos &dnw b You when YOU apenad youremohat. G. Temporary RadutYon in Renee Merge. We MM Me Fight b not asses any or all frond charges for my given big Puled- Other Fam and Charges. The folontag face may be bllad b M parhae agnent of your acmmt unless otswiea apedled. In every big Pad in which ley apply: lam psymsnt fee l wa do not recelva your payment N tme fa it b be cra I by to folowhg statement dosing dell: overlap to l you account (or any mgmant of your ac coung goes or sts" above amr lanpaary or pamaosntly mspnsd credit &* am I we approved Me we** amount, at any Use during tie big cycle (mgwdm of WhetW You Went ovrhlt se a rests of a transaction, Wance charge, or any oter fee or chageh relu ned died; fee, irposed eery time a did M reined bas fa any reason, a IF we cannot how your amount access tech ter any reason; and oopykg dWpee fr dupMab copies of Irmuckns or sfaMnW 1 unless required tar bNM dis" resolution. Them fee and charges will not be aoeaed If your big addmu was in Puerto Rico when your axount was gensd. The fee and charge amounts woe disclosed b you when you opened yaw account. t any of tea Rem or dAM am dWgad arCmqumd 1o your arrant opening, you will be advised of to new smart We reserve Me right b wall toss mas wlthont pia matlflcatomu b you. ecearrt ha a arambaiatlD lae t was drbsed b Muni rship Fa. l your you when you opened your account The fee will be bled to ft purchase segment efyo rarrant Cme souse mmnaetlarL You agme tot we may obtain your credit wormstah from ale sporWp agenda at any tme for to purposes of rronltodi g your amts petbnntnce, mmgkg your account and considering you for new offers and pmgtane. Fubre Offers. The lame of any futum offer will be disclosed b you at the tone the rifer Is mode. H you accept an oter, the firms will become effective hmedalaly unless othwiss spedfied In to offer. Defauk. We may wow you b be N defeat under #6 Agreffillint IF (a) You fat to pay to minis en p"eard on tone. (b) you mcmd your credit lint of (c) you pay us with kwah Ace ere roomed you ny reason.. To the axles pomi ed by Me d ?ihar you mmq of his A In menran or ra agr dththe lama a (1) You vbft any Of t with us or any of our dgxlm, or (2) your made any Pole or misleading sta ;rms. on your appicatom or (3) ban POR a Of kheobency pmcaadhpe are istlaMd by you or agars you. After you am in delsuk (r aka we give you any note of or right b are the default IF required by law). we may msM your amount kom now bamocilm or doss your account and demand lmmedkrb payment of the a"outstanding balance. In addilion. as a moult of to dela ft, your minimum payment may koresse Wilent advance salve. To the asMnl permbed by low. you agree to pry at cant call and mtiecton expenses Named by as In to odiallon of any amount you Owe us under 111111 Agreement If you default and We refer your ao0ourd for collection 10 0 BROOM who Is not our minded eployse, b do extent pmdtMd by law, you agree to pay reasonable atane# mm. You also agree b pay any ants we may Incur In rM9evi g your aria, Including any cats was may Incur by hmN your account placed on a reetrlcmd tat. I You Close Your Aaaunt. You con request to dose you account by calling our Customer Relators; depeMent You must destroy ail cards and amount soar docks, ancd all preahladaad big rrngwnsats, and sea using you amaaL l you do not canosi peadotted bwg a mme n Ilk we will consider receipt of a chop your sctlelzetlah to reopen your account AddMorey, your account we not be dosed ult you pay all amounts you owe s including: any haraadbra you have authorized. I'm dmqM 1510 payment teas, overlmk leas, returned dudr hes, ooh advance lass and any other sea eeaseed to your aooort. You ore responsible for Mass amounts wImMar toy appear on you somrat It the time you neques b does Me amount or May are Nomad enbu* wd b your mques to dose the account This may result In days appearing on your amount alter you have MWJO$Wd the amount to be dosed or the refpWnig of your amount If k has already been dosed. For example. l you su#Wnd a purchase from a mWdant and we receive Me fro sa ions from to merchant di r your scouud has bean dosed, your amount will be reopened the recut of tie days VAR be added b your account and you will be responsible for payment. I tlrre It a membership fee or your eaxunt the fat will anWoe b be dayed, to to extent permitted by mw, u tN to aaxmud babnce has ben paid in furs n daWhed above. K you want to slop an suftdzed ads cocas b your amount you mat all ourCuebmer Rembns deprknot and dsow the sees and (K any) andwry account access theft he or she may have. If you am unable to destroy that person'ssad and amount aocese l l ," and you cal ourCusaW Retetons department to dose your account your amount will be dosed and both you and Ihe Ord craffi ldr, t any, may apply for a new amount If we dose Me aoccunt you and to Joint ardholmr, If any, will dill be tale, bdbkuay and bgeMer, for all amounts charged to your account. M We Coved Your Aeeomt or Suspnd Credk Pdvingee. We may at any gone, with or without cause and will or wthout advance MODS, terminals this to, ,• Agreement WOW 1011100 than Changes In Terms. We may sound or charge any part of your AgreemmL Induft the periodic rates and other dhagss, or add or remove raWkerresb (Including adding now requirements of to an or a dtlmod nature as the erdstrg requiremsub In Iris Agneesrnli at any tie. I we do se, we will On you nalcs 1 required by taw of such anenirard or cha gm Notts will be mated to the bat Willing access Indicated in our ramrds. "waver, no note will be muted t we previously had notfed you the your accent wand be su*d b such erllenhdmnt Of cwhpe without notcaJ Charges to the angel Deronfepa M111(s) we apply to your scmrnd balance ism the dbctve date of the charge, whetlner or not ft account balance Included dins billed In the account belm le charge data and whether or not you aomInue to use to eamaht Charges to bee and other cages wi apply to your mom from the afladve data of the dwge. Applcabb Law. This Agreement will be gemmed by ftk%tawant Fedwal few, Swsrsblfbr. The iweldiy of my pvAi n of this Ageenent shell rd aft the validity of shy other provlsbna. Ud or Stolen Cards or Account Aura Chador. If your cards or acmud access checks arelost or dolm a E aomeahe ebe may be uft them wflaut your pem ksbn. noty us, at once by wing to talephdre member shorn on Io knot of your periodic ablia a . You will rod be lade in wW amount for unmdhodmd use of you cards or aocantaooradredn. Your Bhp Addnr. You agree to give us wdtlen notes of any change In your billing address at bast 10 days before the change. Changes may be wan in to space provided on the MMlena coupon portion o (your periodic statement or may be $ent to the bbvig address Capital One, P.O. Box E015, Richmond, VA 23285.6015. l your account Is a joint account or t more ton one person Is panel In use k you agree that as notices regarding the account may be sent solely, b le address sham on our billing rends. Commudcadom. We may al you (ring In opmaors, eubnolic delkg devices, or recorded menages) at hone or work and those orb veal not be =WdKW unsolded. We may manibr or moord any cats we male or mook e. We may release hbrmdm to others regarding to dMua or history of your account as is mom frdiy discussed in the Capital One privacy policy. a copy of which has been provided to you. We may make inquiries of third Partlea In cdaeCtin with mahlehkg and mbdrg Per arrant and you sWhabe such third partly to release Information about you to us. Cardhoder Benefits. Cardaldar bemaib may be charged or ar i nbd wlhwt notice. The beeps maybe provided by third parties; we are not liable for such benefits or tar the actors or onnsions of to lid parties. U.S. Currency. If you male a prrchre or cash advance in blip currency, the transaction will be converted bb U.S. dollars uskq Visa or MasterCard regulation and mrwerslan procedures In dart at the tnb. Via or MasterCard may Increase the mrwM110n nor and keep this Increased amount. The rata in dbd on the conversion dam may dgw from the rate used on to transaction data. ARBITRATION: You and we agree tat attar you or we may. at Other Party's sob election, newre that any Claim (as delned bekrw) be resolved by binding arbitration. F 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 BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND MM. OTHER RIGHTS THAT YOU WOULD HAVE F YOU WELT TO COURT, INCLUDING THE RXLHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LMM OR UNAVAILABLE IN ARINIRATKK THE FEES ASSOCIATED WITH ARBITRATION MAY BE HIGHER THAN THE FEES ASSOCIATED WITH COURT PROCEEDINGS. Special Delinsiioro for this Arbitration Provision. For the purposes of this arbitration pnbwWw rArbtrallon Pmvbionl. the following deli klom shd apply In addition to the defintion , set lath In this CusbmerAgreemnt rAgreemnn: `WV 'W and 'err men to owner of your account (Capital One Bank or Cepdel One. F.S.B.), Is pared, and pair died and Indirect subsidiaries and dWAn. as, wet as as of Chair mePedve empbyer. officers, direcbm, somsees, predecessors, stiocessors, and assigns, 'Claim' means any claim, mntrwmey, or dispute of any kind or makes between you and us. A. This dalnticn InAles, wsihout Imitation, any Claim that in any way arias tom or low" (a. .this Agreement and any of Is terms (including my prior agreements between you and u1 or between you and any other redly from which we acqul ed your account) .this Arbitration Provision (Ineu ft whether my Claim is subject to arietraion) -the rabish erht operation, or termination of your amount .any (19010suras, edvertiaenna, promotions, or other communications relating to your account whether lhey omaed before or MW your account was opened .any transactions or attempted beaaetlaa WMft your aemmt -any billing or CDkCbOm matMa reairg b your errant ,any post g of to sectia (nduding payments or cedb) In your amen .any goods or services caged to your amount -any fees, pdereA or clear cages assessed to your aocouro, or their calculation .any produce. services, or beats programs remind to or opened in connection with your accord UnGWI ii any kwrance, debt caaA®tin, or extended -, ', contracb and any Programs. r , rewards, aweepe" mambMahipe, dlacouna, or coupons) whedar ornot we dared. introduced, sold. orprovided tam -our receipt use, or disclosure of any Woratm about you or your account .any other maters missing to your accent or your wabtlawhip wth us. B. This ddlntlm also lIchud s, wftW inldim, any Claim: .regardless of how or when it is brought (for example, as an kM ddaln, counardakn, orcUddain, h erpleadkg, or lhkdpey claim) .based on any locy of rebt or damages (Including money damages and any form of specllc Palmnna or k*m dive, dedMatoy, or now sWilabb re" .based on any lacy of taw or equity (hdudkg contract tort fraud, mmtlWkn, annuls. regulation, ordinance, or wrongful acts or omssbm of any type, whaler neglip"A reckien, or Intentional) made by you or by anyone connected with you or daknkg through or for you (Inskdhg a 004ppilant a BUlarized user Of your account your agent your represntadit your heirs, or a trusas in badwptcy) 005112-21 obrwhidh we may ba dvacly a hdiady able underany thtcy, k dufq MPO 110 superior or agency (even Ewe arerat properly named althe time the Claim b made) anow In odderae or that may odes, In tie tubas, regardless of wlran the taps and drourroWrne tatglve rte to the Cain ac coed or when the Claim scrnred .made as pad of a doss aclion, private attoney general action, or other representative or collective acton. which Clain shell proceed on an Individual bob as, set bM more tuiy In 16 Arbsirstlsn Administrators. Oro of the following abf6aim B*Wnbtratore CAdminMator or. cdedlveiy, •Admi istai sl will administer to arbitration: JAMS American Arbitration Aes'n Nallonal Arbitration Forum ION Main SL, Sts. 300 335 Madison Ave., Floor 10 P.O. Box 50181 Irvine, CA 02510 New Yak, NY 100174805 Mlmespda, MN 56405 tip 1 wwadfJffi wworarblindombrurncom You may contact any of to Admhblalda to obtain hbmetan apart aftallon, arbitration Alas and pmoedum, be schWube, and dais forms. Election and Inklidon of Arbltrdbn. YOU or we may and wbirdon under this Arbtratin PmhAsim wlh respect to any Clain, wen 1 to Cain Is part of a W&** brought in mud You or we may make a melon or request In cart In impel arbtratorh of any Cbkn brought as part of any laaaut. We will not elect or insists arbiidlon d any Claim Naught In a small claims mud (orthe OqulvalanQ, s0 10ng as to Clain vmwk h tut nut b made soby on behal d an krdbidrd or ph arrant paper. and Is not made as pad of a den action, private atbnoy general adon, or other neprsserdekwe or collective actlom You and we mat follow to rules of the Administers to Inside arbtradon, It you kettle arbtratm, you may chose one of she Administrators, and you mast rail es any notice required by M Adm nlebator to P.O. Ben 165M, Richmond, VA 2329646550. If we hside arbitration. we will choose one of tie Mninlatrdors, and we will mail you ary notos required by to Administrator In your Mdamosm blip address. H we have krilated - Is , onh, we will charge the Administrator at your m*wd E you ratty us In wd n at the above address witch Moen days of the date dany notes we sand you dour Widw of anbbabn. Proadnrve and Law Applicable In Arbitration. This Ad ilydon Provision Is made pursuant b a Irsnrdon Invohiii khla 1 commaroe and shat be lammed by and ardorceabb under In Federal AMnim Ad Me *FAA j. OAdons about wloll r any Claim b subject b arblratin shall be resolved by i lepretln g lib Arbitrelm Provblon in the broedest way it may be adoreed, consistent with the FAA and to arts of this Arbitration Provision. The arbinft will apply subtartee pew cxhmblam with its FAA and appliabb deft of Ambillorw. The erhlrstor may award any deeosges or dtler mM par.. I by applicable suheantve law. but to award stet demnnene the *6 and obpetlaw of a* to erred perks and only with reaped to the Claims in arbiNdlm. The rhrir and procedures of to Administrator, which you may abate from the Ad metro or, M gloom the arNYNon unless they mfltCt with this Arbtdatlm Provision, In which case this Arbitration Provb10n will apply. The arblatorwsi not be bound by, and tin Arbitration Provision shat not be subject to, the bde* amt, or local rubs of proadue and evidence that wouti apply In any nut or to dab or local leas OW ride to wbtrat n pnoaedkge. You or we may have a hheaig In arbitration. Any arbiatin heering tat you Bland in person will ate place at a kratin In she federal )rdidei dbtrkd that Includes you lest-known bMrg addhea or at some star plea upon which you and we agree. You or we may be represented by mesal. If you or we request the wb?abr will honor dahw of protege recognised under applicable law and wM use bast darts to protect conlitlaft Information (hdudng through to use d promctve odn). The arbWelor will melae arty rated In writing and, at the limey request of ether party, will provide a wrten statement of reasons for the award Cosh. The party Inflating arNlbalm will pay to k ft filing fee. You may seek a water of the htfei fling tee or any of to Adriuistralofs other ores (mtnlbaly,'AdffdnbU ors fees') under any applicable ndes of the Administrator. l you seek, but do not dpaly for, a water, we will consider any written request by you for w to pay or nknhrss you for all or part of the Adnidetdor's Feu. We also will pay or reimburse you tar al or pert of go AhfrnkVatrators Fees E the arbitrator determines fare le good Aram tar es to do so. We will pay any fees and costs waste, required b pay by law. Olomdee, and eroept asprovided Ini bar Agreement you ad we will beer all of our tespacllve fees end ones (iccM+ig the Atbinishlor's fees and the fees and ooala retetig to atbnoye, experb, and witnesses), regadess d who prarels. Abakm of ass and cats ralsfi g to appeals In arbitration will be handed In Is, am mare er. No Consolidation or Joinder of Parties. The arbitration of any Claim mat proceed on an Individual brb, wan lips Claim Ins been asserted In a court as a den actin. private rtdmey ger" actin, or other mpreesnklive or c halve action. Urten al parties consern, nether you nor we may P. mmWdets, or otherwise brig Cain retied b two or more amounts. Individuals, or account holders in tie same arbtodiam Also, open at parkas consent nether you nor we may puew a class action, privets attorney general action, or other reprrer Wa or collective edon In wbkdm. nor may you or we pursue such actions In Cart I any parry has abdad arblralm You will not have the right to ad as a does representative or partldpaa as a member or a airs of claimants with rasped to arty Claim as to which abibalbn has been AalgmeK Enfonamont Fkaft, and Appeal The arbi loss's dsdsion will be final and binding der glen days unless you or we seek an appee of the award by mstig a written request to M Admhishah The appeal peal, which will corrbt d three subb" will consider all facial and legal Muss arose, will conduct to appeal In the same manner as the trVtd abilatir and wi maks tledebnf bard co to vom d to myorily. Tho pwW$ dedebn will be tial and binding. Any Ind decision of she arbiismr or of the appeal panel is sdb)ed b judicial revive c* as sat bath under to FAA. An award in arbitration will be edorceable under to FM by any court haft ) MIctbn Mbatteoou% Weber, Sww&WMy, Survkd. H you or we do not elect arbitration or otherwise entarop this MbWaln Provision In co nedon wWh any particular Cbim, you or we will not waive any right to require adltrauon In mrnedbn wish Met or any char Cabe. This Aftdon Prov elm stet suvlvs: (i) suspension, tarmirbon, -- Son closum or flanges of ids Agreement your account, and your m W mhip wish Tar, (i) the bmbu p4 or Insolvency of any party; and (1) any transfer of your account, or any amounts awed on your account b any now person or emty. I any portion of this Atbibeim Provision Is deerned irvold or nrhMhbraebk, the mn*kp porions of this Anblbdbn Provtaion shall nevertheless anain valid and In force. In ft event of a consid or Inconsistency hareem Ilk Arbitration Provision and the other provbbns of tub Agreement or any prior agmmnt this Arhitretin Provaim ahal govern. as 2002 Capbl one Savior, Inc. Capital One is a fadamty rogkr , service mark. AN rights resented. Now with FREE Accelerator for the Hrst 12 mainthirt-a $60 value 97 a more for first 3 moths; 19.95hno. thereaflar SIGN UP TODAn ' 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.com/go/emerald Ammo Summary Previous Balance $2 Payment, Credits and Adju aimems $.00 Transactions 135.00 Finance Charges 159.91 New Balance $3,08125 Minimum Amount Due $2,S8125 Payment Due Date April 07, 2006 Total Credit Line $500 Total Available Credit COO Credit Line for Cash $SOD Available Credit for Cash 1.00 Atyourservice To cd Cuft w Rdaooas or w spat a lost ar *Am cud 1-800-955-7070 Send payments sx Bind impid tsar Arts: Rm insoae Ptoorssg CapietOae&ok Capid Oae P.O. Bra 79M16 P.O. Bra 30285 St Lana, MO 63179-0216 SLC, UT 84130-MBS ImoormtAccount Llform don Please review the enclosed privacy informstion and retain it with your account recada Also visit wwwxViCdosacom/aedteads and dick ou the Veit the Crude to Benefits link to lean about your latest Visa. or MasterCard. account bend" The descriptions in this online guide replace my infatm aim you received in the pat. For a Dopy of the Crude to Benefits, call the Cu isomer ?ns number on the bark of your cud. PLATINUM VISA ACCOUNT 4862-3621-6098-5164 FEB OS - MAR 07, 2006 Page 1 of 1 Payments, Credits andAdjustmerits Ti. is our third and foal notice that Mir account is seriously part due. Payment must be received within 72 hours to avoid action by our collecdon department Transactions 1 07 MAR PAST DUE FEE $35.00 You were swcmd a past due fee of $35.00 on 03/07/2006 betame your minimum payment was not received by the due date of 03/07/2006. To avoid this fee in the figure, we recommend drat you allow at least 7 business days for your payment to reach Capital One. Finance Charge P/rmesee reommsikfir impartmlt sVkwI,%',m F.V.aw. i Cengwl ra 97f Jar rair APR y 286 81 ; H? 12 C 07096% 2255. o% 8s 44 , . dy C AS ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362460985164 07 3081250200002581259 New Bdsaee $3,08125 Minimum Amount Due $2,5812S Payment Due Date Aprr7 07, 2006 Total enclosed $ AccoustNumbs 4862-3624-6098-5164 NrmrpiasavilargadLsu ,dlw,- -di-g. dvlua+.WKra Mdirk stlwt APL 4 CUY sae 22P Hose Phone Alacosa Ph.. As EmulAddme #9006798673153205# MAIL ID NUMBER Capital One Bank ANDREW B CREE P.O. Box 790216 1.1.11111A.IIIIIIIII n sessions 134 S 24TH ST CAMP HILL PA 17011-4609 St. Louie, MO 63179-0216 ItIl u11lI1n1I'llulllll i'I11111'Il ll lfll'1111111I lflllllllll ? Plaue unreyowaaowlt nrrmbn on)wwcbrrk w worry order ma* payabk to Capital Om Bank and mail in for rndarrd arodopa peoplepc- online %./ 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 synantecTM ® Pop-Up Blocker"m j Spam Controls 4e0 Smarter Smart Dialer Technology ® cW More Email Addresses ® i# Internet Call Waiting r t ve a14 peoplepry online A better way to Intemet. UNLIMITED INTERNET ACCESS SKIN UP TODAY! 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.corn/go/emeraid PwPW Is solely recponsble fort m offs, and is not aMlewd with Capial one. Capial on. don not proviee, endorse «gueroes, amt is rot Nlrfed with, any podud or service stow flare, My bademab Mandoned ham am solely owned by tit respective ani ty. All d" reserved. By mepolding to Oft offer, you may be cmrwicatln9 4lkrtreUOn about youmelF to the company that provide this product - for ample, did you am s Capital Ore customer. 'PwOOPC Quint Riot 3 mordhs are billed at $0.87 per mash; $9.85 per month theiealte . Offer evalbble to riew dW-up subscribers at level 18 years of age ad may not be redeemed with any aft offer. Offer subject to charge st any time. Phone toc vdcel wpport waleble for $1.95 per minus. tAacWemw lefree for 12 1nong Oft good for limited time. AtW ale list 12 month4 the Accelerated service lM rdanetlcaly mat to tla standard PecplePC Odra service. Oiler subject to dwo at Some. Wlth PeoplePC Or" Acoderaud, o&tWn Web papa tact and ol* a wdl load Wen when compered b standard dial-up ildartei service. Ada msdb may very. PeoplePC Orrin Accelerated is only compatible with PeopIoX ONi s Idrret Service and VWW Wnddae0 browses PeopmPC Online Accelerated is not ocnffrlbb with WhdoN* 95 with E 5.5 SP2. SwAoe not meltable in all arse. Alen fees, Imes, and other b" and mmdcb" may appy. Volplane toll dww may apply, even dur" trial periods. You are responsible for detemsnYhp 4OW acN to the of w access numbers VA result in Woolio s, tall dr(pt Acne may be limy d, apoddy dubg Linn of peak ewp. DAI-W numbers may be chrgedePeoplefiCkdbaetbr.CafinivAusealbjedmIlmeadMoti can.ANteebsuhjecttoP'eoplePCOolim's Service Aweeno d oral Able Use Palsy. 581( le to matron m sped of service; actual speed may vary. 0 2886 PwpWK loc. AN RW a Resolved. PeoploK Orbla and he login we tradanrlm of PeeplefiC In aai U.S. and other cootie. 020M Capitol One SwAces, Ire, Capital One is a federally reglelood service mark All ififits reserved. >e 1. Flo ter. ? b. to. td. 3? z a ? a. fad. You WIN hve s maiaun Voce Padod of w d 6iIFq y w iea r•w, re Masan artwm =d10rps an l10vv Pa I n w ap•d•1 pnto?ae and env odrr g trareac t total •fiw galwn', M ai?Wadr an krperew /6tlw for papnwda below, or end outem r for k b be am' by Yana' neat amt on. Tom is w grace period on cash a&wvm Allow: of not Y tfarI in additi n, sae is re =period nano sraabn If you do rat pay den IoW Now wpbs Fferws gnya. Trammed" wldch am not r a grace period •n "saved S nance ch.W 1) 3. Amaral daft of ace arwwaw or 2) ft m den data the a. The to ' " n Is pncea od to yw Aocw" a 3) from ace APR iler day of to almnt b*g deduct. AWddwwly, 4 b. If tit t pw wA Nt w dairy" nfir to no" to Pod in p kar di rt , rid bdanos wN On w* Wd plow Is paid in M. r in . air art Yea nay atN owe arras chimp", wan if h antis NoW gWrrea idoaad on ace two of nay W an ace smart by den nerd statement doaiq data, low did Jour f« den peeler amid UrpaM Nana dairy" ?I b tit sspirrt of year Acsawt* Tow b1Nrq rrrrwnan M C. If the I nerve amn io 60, var. rill rra.oi ,tl .t e lso.smo res smwn?and chit dlMrwnw vAl p W- -* tit d4irr Fi a fee 6 s rrw y . . . ace any «N Nrw choWn for any riven nce ( Now As s msnl. Is Cobalt .d try maopybq( ace ally ? 4. A Y, id =' asspsow tnnwr ap?tlil grdrawysp) r I. each da At O a year y n ea oo VaL br asoh ra l sooh? ace p d, fw at bW Ta B Ty Isw a m h o arcr r ace sooaidb at the end d ace %I son rid W . roes defy alw6aarr rdvm a[ yaw r dwp kr each cep a We awl rq the n for y?ourmmaan a ant veg. if " -loft ? bWr_oe If a L To obtain to average daily boderoa for ales d env rod by We eraowrrwa, tam tab the d d Yw .unarm m a rn now own aossa nor .,imp., if you autlolwd a p ' from a merchant and vn aive the tuna olon fare err mirdnnt atr yaw dancer of each tag each ay, a danywnnw = =W" n vA be to • " of err dor ft Tmmof Q II the code BYrwappears an 00 ' am dw Ran A i a m be F' for pervisM If dean I- a unii ra F, I n Y u pld dn w a lip ? Th ..9. dolly b ol voch x p rn m adNp fen each b l adw by few, .0 tlm m be drr?ed, awwn biernn hen been in hr as aI above. y a ances Mr, ?p up N r Ow pwkd = by dw wIN ug? Yana AwwetYw al or aocouw 6ergot be 7. or imwrt ; iTh days 1 tit biinp Priori. Thi given air the y balance of each sgrrnL tap Thaw IAPM. u 8 W uad d W S. Motive Allows Onomnlda Chad Cone raba. When yea ArrmrW iMOO"p Mss' may app"r as he flat dais staumwt. PIBYMe a dud. N paYnaart, You wrswrhe w flow to rlw inkimwiwn from Your cbnnck to make a mrdme P OWW, L (344 LI9Of0, C lCordaeate of r S (Dw*z rd Prim) appears on enr from of a t A electronic keel tranM from Vw bank somint a to Pnncew tM pa ? b :he an ahgmNc 6f«nratlm ce oe o c art rra b tit pmrbde ratafW «rewwn3v ANMMLL P4RCMjfAOE RAT FS we IuM transfer, fade may be rAddmwn from yaw be* Ta1Wly nn.Y 1ner"M Of ' " ace based d idea ere feed in TM Wig Sbant acrwrt as soot as to same aY son rsaive ypt PeYhhhara. rd vw will not rwaive Yana check M from aMaawiarY disclosed to you. greaw margin d wwrw d bY?alvF suam u and tlr Jararry, Aim, .key end Ocoabw. D ?nfed, F -mo. 00R) «o (3ao. Mom M d to do ?Pdod "new the dw?.ria?e .in ?odrq AWJAL T AOERATES may Iy andmay kCm.M «aer..M brand 011 tit meerwlbhud?h? Walf 3 qw ylnaM m dr IYw aY d Yea bMhN Plead t Lit., ovei.k led Rahamad PaYart Few. WIN be aaw"ed m mere than M afden new t Door duYq any telling ire" Udw ace etralonmaer aprermnL vw r"er1m the right to ta new. wry fn. wNmut ?ri?er laaficadah to vNviq w rqt b ewe" the emm or war r wive. your *-dd khNibAlorh. BIWNO RaOIiFS SUMMARY (in Can Of Enos Or Wood", If you iNlnk Yaw loll b wrianp or infolrndon an a tralr.6. «b raPahasa alrm " wan n pn* a ihquMee blown an to oat of how from you no fewer than SO d brat hN an wlidh to wror or flt call w Customer FAkd ma math yyrasarve yea riy". N yea caw inl0a. an: year rnwne ad .eve anent d d10 ahaPadad error, ¦ eel an a plrntlen c an emir, «N you man Gtr tit loam you am urum about. ) snout it wain son we in qua m Mir - ylmv Nv o Yw ai1 r read non sr to won a he dress for can A" them is ascription of m to pay any k, but yea 1, , an Ilet Yea Ca1a10t ar Aoww4 R a mnranalip fen npom you " dsingwlt « airy .coon w wlect tit a front of ris stmwnwm, yea hve 30 enaam yea 4 dime the mtaamwt vr" m.ld b yea w den M or to have win den eredtd b you t,t Special Rule For Credit Cad Purd10ew yow account. DAM aria Period. YOU may w - aoernnaR widow Nr*q b PW to It heve . problwn vddl aw quality of property or pryllW «dndb posted as of amt ay art are aaocatad S. If y" Cenim Yaw AnDwiL Y to to "inert. TNe givaa w to swerau d"Y plarc yyaawr 80cw ra by calling err O d , Y for ssdn eavrrt of yoor -am Howevw, If yea ad:- tatwmn in ( ' .mm O.PemrwnL w rout .want a«wr dress cow ... leyv lalrw Wows an Yea W. ==bd. Was zoo «a -a amwum), naive Wilda post as Yw Padhwe or WKW , and eeaw aoswt PrswMaiaN amrganr pk.sban wgrnrn r? not added bar aly plows. We d* ft th d N b moon or a drop yet oral mowxL Additionally Vw e a y o coiciiism, = I v nas bw of ou vow k dsb d T i g w b"I'mme and w sh" Van by 'he werr?awrer d!{I]!bW , wml yea (+ay N rsa." yea vawsdkm you trve aAOr g p a Y cfr o cs g s. Sm days inilw ranot b /nhrtm diarVa, rim?pk/ yea sverap dal Wren by err alaiiiq tegy owbdie nls erd W aha marrw of aye in dw to", aaMnk few, fear sdvrxs few rd ant' alrr k Y f whel6 ly l o be a pstod Pea to twi3q an a sly bats, maimmay Slight vadrw baormwl tla ealaaan rd Ow ww" of /rhrtw dlrrp rtusly awaaasd auumrw tl f f di w an swwsm. m4 dwy appear an yaw scosemt tow the aQ)wt or OW am rst b tow dr wo " n i p A r rom o g b. R tlr cede Z er N sppsmre an -to 'Balarw Rol" Appl?d To,_ Vol mtMigy ace ?__ y 4 drnges $Lwo iq on im 1r A=ran mat mhham OaP ar .Maces tlrt you vAh a erndit cad and you . hvm told H faitlh b correct to problem vNdn On a ai Wicks, of to 091111011 WY Ifr nwnhaimng madrt, you rosy hove to right not to thi Y d h ?hl Yw 1 . s ws. w wheat alai on ace pnpaty «wr ave Pro pgdm gay when am rydaiw pies Was norm then «edt ead(W •rd ka0.0o and den; - vne nna In Yar nom aaa or vNd in 100 min of your mar - add- Of Wm - or did biog. R oper.w den r"rohm, or if tam meld you to do not yea v ro oriel k we wrviow N pwdaien sdvaharmat air acewprW?entyy or von rmO myea wit ?All rot R namemberr W dgn all correspondence, m w Wckm*g any Now chow., Peat tallow not apply b cnmaanw nmwwdY card scwwms i= fins, cash w wf spry to aerwss ron?f call acoown : Do than ? he sliew you request W areal ataouglalaw to w waLeN.0w supports Information Privacy' prmeden: an C?? t can. m t. TTis may re" in Is a I Capital One e • Y m?wmd "lvke markaCapital AlI d{db Corpa.dan or. RnrnwW amorved. 0 200 n atria yea hv_s o t r Orr . 3L&AK brt Ietlina Payments yid moll to to will be cmdbd b your rxaat n dace bwiew dry van mo It, provided (1) Yw sand do bosom Paten of the mateme t and Vas dv ck r errcb ad mnkwrw mmMope and (2) yaw Cyawnt le =W==gm oamAm c:w by 3 P.m. LT 02 near PFi. F same allow at Iwt M (e) bwiwn aye for poeW PaMafraa rmoWvW by w merry odor ecdan or any aawm tam e erMwd_ w d_ w d ace aV w. r.wiv. m.m. ass bumww aye as ktwtay emagn aw.d.y, aadu3q ye. Plana rot ran wnfem. Mpw olds honparYy yow? ?nam. dVNme you sad w a 011001") yea emcee w to mob a moolme Nadraie transfer adt from your bark •kswwR for Ow armours of ih mwak .wen ippwa 7 10ek. rewlvd dwiq a10 iaing eYda e'wn if sore by aaineww abr. If van crttot f+•aeaaa err trrrlar, you awPodts w to mob a d10rp api10t yam bank accent using ace d10ck, a papa draft or otter Imm. 4o' e" CaPli Wow what's in your wallet?* ANDREW B CREE TAKE CONTROL OF YOUR CAPITAL ONEO ON 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 fm check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capwl Ora Smwa, Inc. CapiW One it a frd-jU rrgirrend arairo mark. AU righa raermst 05607754 Ammat Summary pteviaa Hdaace $3,081.25 Piywntl, Credits and A*stmems $.00 Transaetiom $35.00 Finance Charges S$2.24 New Balance $3,168.49 Minimum Atnoutr Due $1,468.49 Payment Due Date May 06, 2006 Tod Credit Line $500 Tod Available CtedA coo Credit Line for Cash $500 Available Credit for Cash $.00 Atymarvice To all CLssoaser Rdstins ar w repot a lot ar scrim and: 1-800-955-7070 Sod Psyroents to: Sand inyaidw tx Attn: Roti ance hoonaig cap?toae B.at =2;m P.O. Brea 790216 k Louis, MO 63179-0216 SLC, UT 841V-M Finance Chug" A4wererremundef6r iasporrarr inj6rauA ox Bd r Pbiealr C.wrwy.w MW ? ur ddb L reel- PURCHASES $777.13 OSN596 19.80% $13.07 CASH 62AD 32 .45425% 19.80% 539.17 ANNUAL PERCENTAGE RATE foied tho penod 19.80% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362460985164 07 3168490200002668495 New Balance $3,168.49 Minimum Amount Due $2,668.49 Paymeu Due Dar, May 06, 2006 Tod enclosed $ Artome Numb er. 4862-3624-609$-5164 PLATINUM VISA ACCOUNT MAR 08 - APR 07, 2006 4862-3624-6098-5164 Page 1 of 1 Payments, Credia and Adjustments Tiausrctiow 1 07 APR PAST DUE FEE $35.00 We haw canceled your earellment in On-Line Billing because your account is delmqueaL You're b6md by four papuenu. You still cant make any new purchases or cash advances on your account. But }%,u can still nWain your clur} lag Privileges and brigs r: ur accoum b" into good vandi%; by paying the anxunt due on u ur statement wiil»ii the no; L30 days. Unfortunately, if we dont ^xcit a wflidt payineat, we may have w p? nanendy suspend yam charging faivilegrx. Need help'r Give us a call at 1.800.955.660x. Well work a i;cthec to aer what ,vur options are t,} rebuild you account craws. Yom account has recently been past due, overlimit, or has had a rmuned payment While Capita! One roam the right to macaw your A.P.R. ifyou fail to maintain the taw of your account, we have chosen not to do so at this time u we value you as our customer and appreciate your lwainal Please keep your account in good standing in the fume to enable us to provide you with the bat possible rues and level of eervice. Thank you for choosing Capital One. You were assessed a past due fee of $35.00 on 04/07/2.406 because your minimum payment was not received by the due date of 04/07/2006. To avoid this fee in the fumre, we recommend that you allow at leant 7 business days for your payment to reach Capital One. Pkwp -I car lisraM w sad* r -wed dm1Sa klsm a.WKwarikek w& Saws Apte Car Sew ZIP Home Piro. Altems Pb.. • E-aAaa- ???777 ' #9009898673153200# MAIL ID NUMBER Capital One Bank ANDREW B CREE P.O. Box 790216 1111111121111111111111 n 134 S 24TH ST St. Louie, MO 63179-0216 m CAMP HILL PA 17011-4609 IJ1111d111211111111L1111111111LL1111JL21111L1111111111 ® 111211L111111111111L11111L111111111111LL11JLd/11111111 Pk w uroeyowarwwrr naraw m yx rc ark or Pony order esad-payobk to Capra/ One Bank and awl/ in ae ewAved mvdopwa r . 1 !taw ro Arta A plww flrpe. rritt.un V? Pwiod of s f a. awe hid. You wY h .?N app 1 p ? DwYdk mts. To obtain to nwp• doily bYrrc• for the d r e wKwne+c we tNS W W e hNni ?vrered )ov .ccou. N k Iw KnWV been chef Fa swnPY, rf you wNralaed . born. medret wd we elan A 25 do'. oo esw Y i i ? , In btK'Belorrce dies p..y ?. y r .e?t? w ?n w r of rod. N q pe?n on tlw fmnt?of W credits. too wtt,' tlr Ktrobth dWp badded m y den N b • . b ,yam rear yes krgwt.r. NoNo. (or p.ynwrpedbMow, r t t wanrnt add m 'B.Irtw Np gApeeplIid To: w• Yq 6alwp wbtnct airy uPeid lnanlas dlamp 4cfadad M to r P.Yne . andpyaut t?+i? b• rwpan- tanw•wip fee br Yw aawud, do in wi eadne Ir - a w and I. ter l or it to be aef ed by yes naaa a doatq ro ewh.&. ¦d W=6= M dftlon, trre Y w pee gins u ar diy W Wes of each W ••ch r?wK.) T= wVK TIrR ?dytyy bM.rwe br wCh d m W erred /o tlr sera pemitnd N' Nom, aorta da rrxwK Wee Iw been Pfd M k1 w drfn.d tloh. VOUr and a .nxaud eamot M taw. A.wrd 7 an any trwwctaln If you do not WY tlr total New wpwK M tare and fold. W the ro W. nalbar d days l tr Pwbd. ThY ?'ne u " h . . used nMN KM MtemK W t7 ammud? 0. Fltfirs Tlwaaiww witch .n not naw Dwloo .n .we..d fires dwnP 11 pan io. a M epnex. .estop fah bdrne. d ew IInM. IADRI. 9. Mrd ltir oanhope B. IMfe• AYwt Ifl.ab.Ne Q1wk QnwaYn. When you r dtllw m p M teems g n tr date d lies tfwre0tan a 21 flan tn. dap dr h narrd p yes AawR a 3) flan 10W twnraotlwn Y .1 .. Th. Yell 'lWMel Pwowtata IYp? may apprf w APR' on tin boot d tfi auMrrana. r e Dfovide • dMdl M PaYi•aia, yes al less tnYmlrian ham yes wirer p mob . ew ri w r a t b c P imt o.Yndar day of to aaranp bird wive, AdftlarpYr, N__yywelrn 6d rot pry tip IMr BoWOe /mm tin P fi b to k b. If to bode P f%Y*I, L (39110. LIBORI, C (C• dkM of to had of D,.W, or 9 UW*c ld P;=) apprn on #6 ttabrnera nand to to Pollack; wY(.) tin p•d?c o a k = dactmrdc fled tniwbr bom Yw pmwwM 1M p.ylwn w . clrok tres.otlan. NRI.n tom elwu flack p mob wl ank frwn uw t? aN o au" b1Mq Paled M 1V, 1rYro• dwn9M opll yywourr unpaid 6alptoe ud1 1h utlKid 6alrp Is paid in M. e lpw drt yes slay A owl Ypnr draw, •vsn N move, and oomaoandllo AtYaML PE IlAOE RATES may vary 9Y may None w decnw band d M Tim Wad Sleet b d wwbr, fwd An ea a, fiffuls ea mY W =::n= taw bank may aowult n wan n tw •rrr w your and you wi rot nwie• Ywr deck bock ft. p.ynnon you pry tr •ntlne tYw Bdeto• Mdomd an tom haK of rid "Nw by do nlala vwWwd do.UN dap, but you sta u an ft Avod k as ?w W, AN to mndn on•Nwrry =17Y. dI l ran d . MNibt9at. f d"rag" not w w for tr plsMwo made. ttpad firer m .ddd m tr Of yes Aoeoud. to. .apnwd tYYdesan FMw?F'p Mel biWnt pwfod roar a nilimm d a M wpaa w Th- bfYn6 Paid Lb= by w+wn1 ?W ?D M tlr. Oil" Jerry. q Jay aid Ocaobar. F (1-mo. LIBORI w O (9mo. If die code D c BIwNO fiaff9 SUMMARY On Car Of Boon Or OuKbro About Yoe fill If yyesw tank ywr ti Y wwµ w D you rated rlwe rg , aas yes aooaap Y p . tad WINCE of $0.50 wA be Impose. If die . , LIBOR flapricad Madily) Or1 the 1lanll d taw l dr rope Ml tl Mfanwbn al a trwracliwn a "' at K t m u on addir . . ..pwap += w coon M Pa. w br tad lnwp ?wps q bawl tp ?cat? Of tKSEr IS ter t0 BO, yr , wWwt trt paibdc aiirnan and al, 3Bwwnoo win be r n e atKemwd ranee p m. old a?q PFJICBi1ff bred A0ERATEB Y m tr nw wry add may R i Z N L inqukl.. nine"" an tp BaR of ti Katennet We Drain you to Y ham you ro IKw test BD MYa KYf ors eelsou can had1 K hi an vdich dl• stint a ProbYm appsand glwR d axed. hMed m ? I'd. Twapwwy IlWlbn in Fhrwe arP. Waxed. tlr ddlt b not .ores am' w al /rwla drl9r for ale then % 1 Wa/$&W loudM Ti nomad tnfae, r e Jleet Jaanw( P u • dr nnwdnn DnNwdY?A.alowd m Wu. Tlrw dwyeo on iK GY d You AlV P•iie A . l ca ow QfiYar Relations nubs, but doing r WE not p yes feriae M Wu ia?Ww, 9Ys u the kBwMnnD dollar art n d Xq pwbd Aawy. D.M Biw IMdd? Mesa ftldrrel. 2 each montk 4. llwsw.et N EKb OYwidt and WMSrrd =U ew. :,w in im of oyour "Derr K pd- of tin of w wep.oad ester . dwedpden of wont n ou b.here tlwn Y if tl e N . a. FManr dints Y GkldrAd W mm IWq tr daily Ywr wawa yW bs wwawd w awn VM tom Mbd Mde dn. t d a an y nu an, an w? w on of o a e .n wnr w N yea bean of Saab aapnnt d yes aoeolad M1 felt wends, pudraa, sped" tran.W and apa:il purtwN by to carapwdn doYY penbdle raa(a Soot hadbeen u Nowt inn trt ottv y •M - P tem. d yes allallor pared, tom naarvs tn. rigid to wain w not p awra .1 pr emend wbr mtlhe.dm to rigid to .sane do oww or *dar iW dd ve 10 P do lawn yea an uYaun about Yx dD not have m PAY any about. yes "rest M WOn K• Mvsado V kbbu[nnot .=j: Pea of yar_ h? tlbt a ? p yaw At des wd of each day dutq d N y p IN r Iiif y ow{d, ws apply tom P•,i•d• rK. tar ..dr d h d ou w. lp w v K a Ypr tlmw. M Ytm? AsawR N a nrmbwddP 6 cwawt M PrNwl. rn twe.iaMe Yw^ vw coleu th. n•pwt Yau w dawd or vk. wry two _ ? ( •oc y W. .apllwt d ywr .ooom.d p dr wgnlwd. Than at dr cold d 11r bWld Period, ors am nP M bt f i . an Yo inm d We stKwnwn, You Mts 30 * tr dA wKwlwa wr nnsY•d to you w wnwd y- Wu o arm arr to tom nab of ewes daily alomdal pwYde Ylwoe diwpr lw..al Mplwlt w• add tq des wlod. K do tad ri weld pginq rie for w W h- such M wWpd to Yes N Ynr taw .xwd.N-kv U b Pwbd, Yen mail t,t Spode Rum. For C,.M Cald Pudrrr ® P w nab hap each ••piiwp tD an lrnre dap fw rv wpm To Set des ddy balrp br e.dn wpnwd oY ymr .aawwt, vn ub des ogmnp lnav bwadiar dd r.t d W h pail tlr. conrlnan m w Yolr account wifwr h&'" to iwnbwdip Ye. To eneaf ywr aooo:, ywr maw Ralalfar Daprmlant nOW u by a!1t18 w CuKesw It you inv. a Pnetlnnnn adtll tlr VuaiiiY of pr•DeM a woke err yes pl"e"ad wMln a coed card add yes Mr tiled M trd AWh m ownK tlr pnagwn wNh IM ww .eprw a O balance for eac aM eqr "foie inlet dl a" ealodatad an do pnMaw d d ' l t tie mandbwaf 'Ibw B.Ynlr' Inhf =* am NN Pica m dY add of WpydsY W,,. meMrlb you may Its for rW t rat m y the wllwwq You hn+ di. amwnt do on tw p?wty w awdaa rw rta s birp for drt eapwrL we dw w day paynrdr or waft posted es of dint day Slot an atocaad d p W 8. R Ywa Class Yes Apwlat. Yw m nquet p des . yy oNy whafl the pladwaws pY• cow man tlun rcfrw 'Me and In taw few .ap w d rho wp o y m to aoiTNs gives w the a.Peou ad %:- sell.m d your woad. Fiovnvw, fl taw tom Yu craft wrdW rd ==24 0 wNrk•d d b ll d P witdn 700 nit d yar miV .dint. (N vn con w des ad H W Balnmcs drrdl an yes pnNww alawlwd ' if yes cow helwnoe con awn or • code wnoladl, rlwv W , - , calle ra a alja axes w and o..w uYq ywr .eooud. If You do rot ewoK w• win ca r wnww r Md d bi "nr you ap.na d" nerdwd, or adYaltYwpwd for to p?pwty a i Padw•• d brt{wl d l •r f d d wh d Pad p =P aa apedal Ilwr Io Paden wpwwes n not a to nlaBy belon w. we d W " , g .rt g z• Drawd ntrlpt of a drip your wlwi=we so napwl Your yes acxlap win not be j= AtMMiomtsf xup . wnaa roptr .u W .nweoown Pl entrains a altoafl oo w o do oo. W calodat. dr .trop diy bolaloe by adfnp M baYrow aM fMfn6 dr •wi W tlr had.. d 'w teal a r bJ d y, ac . upi yes Pay d arwift Yes Ore u tWirp law trrwwder `Ma Irvo Mnwp twig", wa t Does not WO of arwmrw M?Vwtf cord aawaro g Y o ea a w tlr date IniM weep b?r9 cY Yep drip, Imkllpy taw wrest dW bYrp W d+ hi M It d d dr tar awMlp tar, wMiwp Nom, a.ah .wd to yes whet w and any ode foes w few : DOW not *Ply to kw mw twr rwm and scoo- p O 9 r ay. raanmbw defy nr rd b l tr Paw . m V on a daily bogie, two may b. a afgit v.rianlr hawreenn di. otlola.tlan end tlr .nrult of drp wWy.o.and, 0 .crnup. Yes" naPwliN fa dow amoupe vMerr dry apper m your aoowK K === Y abr 11r acewp a dry an tl / M Ow wWNp YMopwdwn Privacy Pte: w w K w pr b a somice wank d Capid y cq*W o arr4 1 b. If ee Z a N .ppw. an dr had of ft Kaawed die w "" to "Bdwlc? Rae POW TO, we nRA" IN_ l Yap nrPrK a cbw llrl aocwp. Thb may niw chrY!s appwrMp m yar?aaamad alY?you M+s ... ..,..N,....r d ??. • 2003 OI LOlb1K _. Colo" Orr Yprpi Made. Papllwde you mi wW be enadte ta Yon• axwa as of the buirw day ors rwNve It Provide (1) you sold tlr Doaom portion d tlY atmrwnd and Ya+ fleck r Mynwtt Ie n.alrad M w olwwMa wnpw W 3 p.m. EF (1 roan PT). Res. awes K Neat 1ve (B) Yrinrr 6y. br powal bpvory. in tr wlabwd wniww wvldaPa 4%u(s2) P•Yle•nr nadaad by u at any dear laaadanl a in try der Npn may rot f» aedpd_ w d M day." me We drm. Q. twtmw data. an MwaYy tl.anpl 8.opd.v. =ZbV, hopd.y.. fyeaee do not ue papa op ate. wtrnl yep P Wlrn yw.ed u a aired.) yen wnrrib u to made . arrMr eNawde dwM dnk (con taw hwYn :gap d wnpwY k .+1 drK p rd tlr 6?rq cycN w+n it .cop by wester .Ir. If " cant Pocon tlr twwtor, you w c. pop. d ee ' a" CAWMIOne what's in your walled' ANDREW B CREE ow 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. Lets work together to bring your account back to good standing. You can make a payment with our ¢gg check by phone service or speak to an associate by calling 1.800.955.6600. a 2006 Caprtal One s,,..,., Inc. Capital One it a federally rtd cared melee mark. All rigba raertrd OW-07754 Account Summary preveouw Balance 13,168.49 Payments, Credits and Adjuwnenor Tramactions 1.00 135.00 Fimmce chum $7181 New Balance 13,276.30 :4linunutn Amount Due 12, 7 7f?, Payment Due Date June 07, 2006 Total Credit Line 1500 Total Available Credit 1.00 Credit Line for Cash 1500 Available Credit for Cash 1.00 Atytwrsavice To cd Calaum Rd doa. a to report aka w ache ma- 1-800-955-7070 SOW =: Send ?W, Alex: Pmang p alOm&ok Capit¢10nr P. . Bw T901216 P.O. Bea 30245 St Lori., MO 63179-0216 SLC, UT 9 413 0-0285 PLATINUM VISA ACCOUNT 4862-3624-60984164 APR 08 - MAY 07, 2006 Page 1 of 1 Payments, Credits aradAdjustmcatts Tnmw. ions 07 MAY PAST DUE FEE 135.00 You1•« btquud by five payments - w web; permanently amspended y-our chagputg privilegm fi mu dou•t :cake x sufficient payment um du next 60 days, w4l chr r off vrnx acttoum. If vow account is repcxted to national credit bureaus u charged off; itll lave a semi=xu impg < on yrour credit record. please do¢t let [Lis happen. You cam prevent any timthex damage to vow credit by paying the anwutu due on your Statement. If you re fe*.1u g ovenvheLned, g ve us a call at 1.800.955.6604. ?4 c11 yvock witL you w rsol.e d is ¢;arer. "Important Notice" Under the tams we previoudy disclosed to you, some or all of your Annual Percentage Races (A.P.R s) have been inRWaOd since your account was pat due twice in the part 12 billing cycles. Remember. if we receive your minimum monil lyy Payment on time for 12 consecutive billing cycles, this account will be reviewed for a pus ' return to your Non- lnuoductory A P.R. "Important Notice" Your account was past due on your February billing cycle. Ifyuur accoutmt to part due again, your Annual Percentage Rues (A.P.R.0 may increase to the Deftilt Rate, as praioudy disclosed W you You were ammemsed x part due fee of $35.00 on 05/07/2006 became your minimum payment was not received by the due dace of 05/06/2006. To void this fee in the future, we recommend rho you allow at lean 7 business days for your payment to rack Capital One. F"mance Charge; P/aareJSe nrverrerids y6r iaaparrant irrJDrswrion B?Iwrenab 'R ,?ftndto m PURCHASES $827.95 near 6t .07575%D 27.65% f18.82 CASH f2,N558 .07575%D 27.65% $53.99 ANNUAL PERCENTAGE RATE spplied this period 27.65% PLEASE RETURN PORTION BELOW WITH PAYMENT SRO 0000000 0 4862362460985164 07 3276300200002776305 Pk-prvanrofrrgdbm saJ/we nritdr.rgo irba. avirgK.a H.tink New Balanx $3,27630 Minimum Amount Due 12,776.30 Sala 4t* Payment Due Date Jura, 07, "M ao $nit ztr Total enclosed 1 Hem. Phoau Anuaaa ['hose Aomm alt Numbs: 4862-362460'184164 EmalAddra #9012798673153207# MAIL ID NUMBER Capital One Bank ANDREW B CREE P.O. Box 790216 1111111111111111111111 m 134 S 24TH ST St. Louis, MO 63179-0216 m CAMP HILL PA 17011-4609 LlLrmrllunll6ul66dluupill uI611nnrll.llIloilo l ® ImllluaIll. .Neill rrrl61mr61Ir,IIIONIAN evil lmr6r66rII P/ewe witeryaw arxwe nwaber onyaarotmt or roomy ardor madetayabk to C#od One Bank m d soul in rbe emAu d envdotc ti • 4 1. Me To AMY A Room Qap. tar. ersee Paint. You VA howwa minimum qnw portal of nvrv raw ? P ? t? row. r v uw><a - avenge v.ay ....? .M .?. oapr•rf?wy? wvmnd W Ha muownwn w. tab tlw any now and - - y,,,..,.,.,,,...... drw been ¦ maRh¦nt and w. ?f you I!, tlrad =from ar •ecwrt M7 be rcirood b d wl h a w ipmGal a?¦ °IMr boom uorrrn adhargw N yea pay Yea total •flwr Balram', fn mi tr¦et an m aeon = , t<aMaauwr or rnmdu. Qt tot caw arm an 1M front o U m , m•n o , p ¦oewK as to amount of thr (trip yti tor clad to your account, o I It SEE awrdrw Mri tlr irVaunt IMfc. M wymwts irbw, and In Wv M k n be cradled by Your nag atatanhart statement nod to 'SmMw RanAppf!d?To?: yn fro subtract any wpm M1twce drags sphsss h to balance W c t ¦ re s aM yyeaou r"r?M be rwPotiMm M wY?• ntsrrreaarap in for yea •orout, to fee vA continue utp dr n dr agmrg Danriromd by Yn' drromd ar b - ciwiq date. TM Is no Warp "W on cah aalyrcw paled and "M tronallim in addtlw4 ton is v grace ea h a an agnagd no give us to dsly balance ll dr a?aryfy baMrcw M each k. Than, hot ad wpna , , e •c?w• bmlaw Mm bean wY in fW w laird abot+. d Y T Y A d a ¦csouat asrrpt be i an any transaction If You do not Pay dim total 'New bdarm.' mgnwt for dr pNYq St. nnba of day: h tr WERE= w ca . Us w sew . ng udin arvrcdo. Wl h any i. ore barq b. ??e? ?? Fine p?m. TrarrsWarr which are not akl are annmd M1rhn c wga 11 ow act To • b • % cat' Warren of a"segmet. 9. oral 16ram IMg. tr¦rrsotlwr. 6. M, mm Baabwgs t7ri Wrwafo? Winn you p W ma ) flan to dam N dim arr¦a lah w 2) from the date dim oareaNm to pmoau.d to Vow Accw•g a 3) from dim e. The tam 'Annual Perooege Ran' may appear w 'APFr on do front of to ataramL DrovYe a dnaclc M mmm You 41111:1001111, us ow m taw laktmeton flan yore cock to mks a o a•dmm ? fort calendar ay of to Autar binp wed Ad3amM, you dub nor DW tot 'New iairw from dr F" wen f b. If to coo P Prime), L 044 (.19010, C (Cortfceta of 0apamlU, or $ (Babrad Prime) appears on to, front of or $ dectroca kad bander from your bank sccvut or to pmemw dr wgwrt w ¦ cock oa ormon. Whan ore k to make an aNaro is l i fr o ? sag petal in fall, Naas dtagM mow m acaus to yor VyYd balance uA to cagey bounce M DW In M. arm or to rsty m) to palodo tl, slur raea ad A PERCOO?TAOE RP.T6 P use infmmal w om y? c c fud crueler, kada may be Mw" A. Your bank ou ive a t - TIM IIMa cat you may ad Wn fllap the inn if ea R aarawa bm W may inn my IM- d in Th. WW 9t e t f d kd y y wen rera o sarr attWg M soml as rd yea wi opt rewhn yaw clock back from wYnhag you pay tea wake New Mlace irdkaaad an der ham of your statnm V by to ram mnewmwt closing dear, bur tail un ew, a. an do woa .bane(, Pea to no pevioWY ded"W to Yea. o1 yag Nlapve Onto Sint a b , Your frrrciN irdoromt not a or tar to pwlaw maeth. Ur"ki franc drrgw are eddd ar dr ?pYc?M emprt of Your Aemag. t e. iA•la•a¦ Row Ohala Su each hirq Period that Mtaw dw la Ol t e y e Thaw 401i wndrq hlip by Yam Periodic statement In tlr mwdr Jaunt, ad Ocmbmr. If top cocle c BI W NO fddfiTS SUMMARY Vmr Bill M Cass Of Finma Or Good" /bog ym I. , or If you neard more k If You hi ^^onS m a p pw ec oppmmdafydarr appfaadm tow UMBOR . Rigiirical An ld der; Orel 0 fronnttt off v s` c an a veneaction or ?r i a[ w0to to dr addter M ot tot pabdc raaW liM M +o ?, w "JAL I AOERATFSmay and wnwpmh?p to b d d kqudrbm soon an to grant of ft statement. We mart aka m pan you to ou no but dm Bo aq hsa Iron onaat korn to 00.60 mk*,- and do diffmr.rce wit be hied ar dr w?nmrR of acoouad l?Bh Rwa arP• W. wa•w to r d T , an on Mn rhh ml' may kprewe or ecrease stated ialless, as kud in TM WWI Soot Jwrrr6 Plus dr margin i mAouly declared m you. Thus cMpmm y s i a bill an wtdch to am a prawn appeared You cart call ear Customer )MWmr number, but sing so win rot t aeoa ay I& to not severe any w aS Aarhca drryw for any don ? allecti" m it* M1at ay of vas b!" Pwlod nwrre Yam dgla. In Yam Iaarr, (/M der to bNwMrV a Yaw now ad account number, to dollar ! bwq petal A= DaBlr 0d. 1 Slaw NrM1Mwl. 2 t 4. Aw oommt of Let% Prwiak and loaned amr of to wap.ctrd wrvr, o drmlpbn of to A bue tlrnm is f N R . o. Warty crrye is ealorl Mdan maMgYka dr may h , of to are e Ywr acmot wN b. ¦aaamwd no more tlan sew of or tsea W W ore 1st Occr dukq my bOW Dead Inds to v w You o rd an aplwan, we0 of m mw: w N Yea moreh nMbn, a dm Wrap of each seo¦wt 91 yam arsutlag., ra allow, purchase, moat varrnr ad petal purcrse) by d. daily w rea" dot her been d h f c d d terms of yam customer apeahrt, t"n on" tot dot m m wain a not to maw any lava w Wput prior rodfpdon witout waiving our ddg to ¦ um go same or similar to iron you are came about You a rot low to pay sores amaort h eer yr are k, Ira you an ail d to pry ie dr Dan of your dot ¦w rhot u o ea h ay w pe.pdY drMOaed a Vat. At do pa d i y . pealode rent br each tlw big III rose apply t Y a lanr done. N a nrnber" few Amcout Y 6 cannot In 9hhubn• w kInvolgaft Y°ur question, report yea w daitprt a ary ar cafwiot the = " d s6 y Weep of each amptrt yam moout ar tlw wpwt. Than a to ad of ilea Itird pwlad, vn all W ow : f d i f l . ea . wpean on dr on of der ananhwnt, you MM SO s man dr car to oa m e wee Now to you to da corona- You grwadmh. y o a anaa o a tea reafar or dr.. orgy ta on at Dalado fnaw crop Sur earn wgmwm. We Wow dim nwaM from each mgnwt ar srdM at to total pwbde y owid =p¦y3Nq#w M der to hove WAIN fea cm&W to you N Ysx csnwl yea account. DaaNr #h wrbd yea may d h h i t,t Spacial Rule For Cnd1 Card DUCMra kwm amp for Xoor axoua. To gee tlw degy ialmrwe M sev MMYC of ymr account, w+ tab dw ppmNno new tramen dd t an d n o ng to pay aa av caaarrr to use vow account wN nwrbwddp ore. To cahwl War •ccwg, You must O*k us by MN W Qatamw mmm DapaarNt If you lave a pablon wkh to quaky M prap.my or servkw dot YeaSevin a wra o auk pd aM Vim MM taiw) M Aect to problem vtk the a y eagman Wanam M an a ad shywAod¢ lira drop awlofatmd on tlw previoi r h W bt t Z=1 New Baow' in full (aglu3g dw bin Pot to tlr pad of to thimtYdaY Pod m?w?rg, you may have go ddnt not m Y tr remaiag Yw hot dire nrt or services e m on = d e t in su rac a ea era barlrw M dot aaWwnt. imports or codgis po W w of dot dry Vol; am tea 0. N Yw Claw Yaw Aaowr. You pw Y . u W pnrcgm only ,ohm tlr pacaeee p ip sew mme drN h a o to dot Moves. no OMe W the myaraw dip bale or for ante amohrt of Yaw arrurc )iovrevrr, It yea ad tot pp'aatrer accent by WN our 0ap NomI . You part III Of your acct caadW pad d bi6n l 6 i d k d ew wen w ah yea d dr p¦drse ease m¦ 060.00 vfth 100 min of your maing address. Of yr own or N•W 9elarme swore on vow prevlato mtaarmaes in fit (w if puff root balance vim. aao a a as- a tan? raw ed d o, a Prma ro :m s, meta asaan apew ar ad pow aooout If you a not cowl yea wA corridor nee =.ud anagaaae vpwoa to mac .M or N we mood You dim advadew¦at M tlw pnopmrty a wrvipm all purchases ) of amaat a be¦t{m of purchase d d om or pe immuctiorr vd" pour b pow Pur pra me mgwnts are not added to On dolly bola cea. W org dl d dd , D awa(pt of a crop your 6AWnWa m n nopwa your our aoomrt wi nor be cbaw so cud A&MO& . are woa rega ese Par remember to sign N conwpo dwpe. y ng im cdaYar to aMnp daily balance by a bdmm legator and dilig 1M am by to n nmer of y, y .ii V. pub.1 amoau you owe us inci.* g any t Dow noy+PPM So cwmm w owrueKt uN ecmmtr 8 p do dryer In tw current hang cycle. To cdN your %tal mow drrp, paapy Yea a`nrap dip elope by dim dWy pea win ad by to Mark of Oay. in dim Uirq varMdars Yea Min rw slums, paw do fairy ovwfmn fern, :madd, i"Went, fear, assn advaw M1se ad an acre M. aawased m your i Dow we ppfy to burbrw non?edr cad a"W" p psdod Duo to nunig an a diy be* tore may be a afght vairw between this wlmtodon and dim amount of Brave dra aatusBY swewwl. axauR You an repmrble for 1Mw anarrts wAr)wr dry pima on your awut n the arm you repeat to clove to accent or they w Inwnd araaePrt n A i T)a m ?apital mo w : we vrebdo. a w fata ts abro arm. Qw i.. area service mark of C+piul ?ot o gr halt of do aarrrt sea N apyran on I If tot n may rw ymr rave to dare to spout. ha f Orw Rrnarndd OwpaaUwc dt/w wervW. a 2003 t c _ the naftlplY tea Rae rag TAMP !d To, to _ _ - s M y arrea c?hahgM m vow aR9tat a p w .• ....Y.. ,...a.• Cads Car O1 LOl84K Imnpatwg MsYsa Payments pea mail to to will bepccr**W or your account as of ono bud row ay ov naive it prowl (1) You mod tot bottom portion of 0do wtwnwg aPostal nd your check Ayt¦rMa elfrodtry us pitrhydrrobr2hW or in any aMr la row be vredard w M to myy - nwivve d a wn ? b?ikra Wig. ay. areMws? aaah0 n 8mdear ay for MWay.. m yuffteaymmf. you mod u o IwMa) you auMae u m rvb a awkne ararie trwM aYt keen yea bWr Prow de rr aAae wMara. p-=,&=p.= apart M tea amout of dim -paw a1 reosved arkg dim bikg cycle even if mat by aan.aua sm. 11vin tenor process the transfer, you coolss u r mob a charge ag" your boric account tong dim dock • paper draft w odwr farm. A 0 IV One' what's in your wallet?? ANDREW B CREE NOT PAYING YOUR DEBT ON DOESN'T MAKE IT GO AWAY. In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our >= check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your swement whLm 30 days to keep your acmuntfrom being charged off. ® 2006 Capital One Services, Inc. Capital One is a federally re ukmd service mark. All ngbtr reserved 05&07764 aw?nw PLATINUM VISA ACCOUNT 4862-3624-6098-5164 MAY 08 - JUN 07, 2006 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance x3,276.30 Paya=% Credits and Adjustments S.00 Transactions Tramacfions Finance Charges x35.00 $78.53 1 07JUN PAST DUE FEE 135.00 New Balance $3,389,83 me:m Ir:hiud. it ux charge off yaa acc:jnt due to late Payments, we will report d;io to Your auauaC is try liitnMinimum Amaum Due x3,389.83 Seem -al tutiarul bureau xtiicli may have a s noes impact on pip credit recorJ. Art now to prat*. to this l Payment Due Date July 07, 2006 l work fiorn happening. Phase Pay the auwumt due on :roar ctaa=ent or give us a L-Z at 1.8W.955.601 We with ?;u W yvu can take control of your Capiud One account auJ stmt rcbuild4, your crodit Total vailasble Line Credit Tod A Ami x00 1500 You were avsessed a past due fee of $35.00 on 06/0712006 beanie your minimum payment was not h d f f Credit Line for Cash Available Credit for Cash $500 x00 at you t uuaq we recommen a in the received by the due date of 0610712006. To avoid this allow at least 7 btninas days for your payment to reach Capital One. Atyouraetvice To a8 Courier RArAm or m aport a lost or rbAca and: 1-800-955-7070 Scud paytorab oz Surd iogsiua to: Ann: RmWUaaPmowung Oae&ok GpiblOae ar 790216 216 P.O.Bas 302aS P. B St. Lwi%MO 63179 016 SIX, U1' 6400-0285 Important Account Ldormadon Take control and start paying your bill online for fix. Eliminate the haste of writing checks, finding stamps, and sealing envelopes. Everything you need to axa% review, and pay your bill a available online. Chi webaite o6as you a convenient, simple, and score ray to manage your account. Visit www capidome corn and register your account to start simplifying your life today! ti o n 1' mannCe chww P&crcsareasAesidsf 6r inrpartant itg6nna Bdwersdr AviA& ? ( + L sty ?Jwdb rah liL' .9^ PURCHASES D 27 6 27 CASH $2.43L34 .0 6 % 7 1 ANNUAL PERCENTAGE RATE applied this period 27.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362460985164 07 3389830200003389838 Pk-pr.(.Wragaddr. mrd/wr-anal aW%m also -W K. wM.& at New Balaax $3,389.63 um Amoam Due Minim $3,389.83 Saws Apt.t Pay IRu Date ! Judy 07, 2006 cur Bra ZIP Tod enclosed $ stoma l hoa Al.-Ph- AeoooatNumber. 4862-3624-60985164 • EmaaAddma #9015998673153200# MAIL ID NUMBER r Capital One Sank ANDREW B CREE P.O. Box 790216 Itlulntlllultlulrl w 134 S 24TH ST St. Louis, MO 63179-0216 CAMP HILL PA 17011-4609 IJIwniliridlhrrlLLJliiitiLLidLllinidLlLtLJd ? IwalllrwllhntirlLttllalaaLlLJLirhLaaallaaLrlJaall Pkwc untrymer oxxw narmberonymw chak or cranny mderaradepayabk to Capita! One Bank and mail in the e&'4vad ertvdopc • stt?w 1. iiw To t a' %d bas .a..w ==:Z d oudueea?? CM Brnw', I. Notlwyaw r mr paymwtw beta d by esod atatwltws r r pwbd m rnlt edvwcw wt, tlwn M - draw wdo b. Aa?rrrYp FYewmn C?rer?m. Tlwt from is d, W tlti trai kSM wermecdon is pmonsod m you L?sp ruuWmrtdw dof"wmm? bare period inpa?yy 1v, iw dbi Lour uqM halrwe -a Mw u TMm motes =VI M may A I you pay des NeW BMwro yeses aMMlrws by des ttad sq not do a (or. prwdorte more m adfid m tlw eel t C. MtMdd Flares For i yar a*i%NC M m a • rota FMMNCE ape rMw?dirgW. pedotieragW M Mw M 00 hied p lh Agm w sgnwlt td. ad. to y R ems WM y or Flew Od wprwdgNd aawu at 1 2. M= Oey Mlwwe IkwNt?r a. Firarda d baNworafY aosMd G ym advwtoa, wd+wr,?apad+ to pr w dslwed10 pr9wiculty Yoyit?At 0. MOA.d, me apph aOlwnt al yar sxwd m W wOrrmrs. Thwr s th mM d r tlw muses d rite: rid odes MOdNdt wypglrlwd b 1 f«rwMt a?vnwiMao7 yaw a?oom acid arty ON 000 Mrr?dw nn-mu «ondts oaMd Me not awn to low 3. a. The I .t. -APS Iwtlbwrery, b. If the Id I H n m rids1 Id U. rates dally bYrxe for rtes Yar aceaas R X M MrwdY been closed For elwmpM, merchrn nd we i d f rs vre tab th ar rr wv d aad t rvm a s a ? if you autla woNw tlr Oom 11w meMwrt alar Ya? ry, Ma t mtyn Wy b ? axwe ho bmn okN4 your acmes vv be reopwwd, Aw /vent of We th anous d srdwpe wi b added m your wxorrs, = pNed To, vre aMo l k d d h U b ls for PaYwN• X these Im s and yyesau vri be reW th M wi c«Naw five for your actor: nrarrrterMd e rrcm n r m w each ddy bmlw oo of , p m h dreomd. m Mr scant pmmitad M Nor, t M the as In fur a doMnmd tlore ha ban b L Ip he1MIDee r« mch rids hr des tool . aaaaM e w V 7,??kr? ear AawwtYar urd «wsws calrwt be This piva us t o ua . caswcYm - my newest WaWnr t m odom IM ra m e. "Al ANwd limobade chick Omw rsiwr. Wrwn you may rrwy ""r as proNde • Chdt a peTlrlMd, yal 111dwllie r mNhr m uw MfirmMfm fiwn your dwck m rab a aw•drw , all of :, C ,O aoeaau «m dmctmrdc Mad vareler freer ywr bank t rn n des bars d d d d vw YYlttn w a yrxmw des w • , I , I mob n terr YNrwroric uw in r hor n your es o F a c MaoF ? E E X t be VA Ie r m Y b m «dew iae based y we wwi ywrc a Room" as so a"* w Weis Saw paymws, rd you wi rot reaiw yo« dwek back tram Medowd m you. Your MrwrciM ktetltuliac h Mt a.y d yar fe satwnws eraitp &WNO RpFiFS SUMMARY M Odder. MGM Of Erma Or Otrtadarr Abdo Yes BM I aweaan Deed If Ow dm of yar ilw. o. IT rw wa rr trmwr, r V r.rre. ,.s,.1R1 « / LIIOR Raprloed MK&M eM? m Ow feats Of yar stmernws rwd m des pwwdfo wN[N 1fw pwbde rase R1 TES CBir P y p. r y yyoouu oforrltatlan m a aarwedon a hi, wdw m u m a emparale slwa w wm w past" at am addwa for ifw Mwwt n tlw teas d!i aawmwN. We must Y hum Iht Menem vsr bm f may . F7d red c«reyardrib AMRML dmeww 6eaed m ttr wry mmusl' rtd ewy N?peaw or l l g nee [rwn yes no Mt« dwn ao riNsesye alwr we ewd rw the mMwn appeeemd You cn vsich th error « f [ 6i rK reemrw dr ea , p etatd bafiwr, as Nand in 77M 1Ya/ 9trra Ja«rw th mwOn amMwN d m Thus chwpN Nir wiod f i p n m uN my Mmwr RNdaw warbmr, but doirq w wi m des u to ioNowNq In YaM NMNr Preserve vow SON fa say Own q p es o Wtr vA b mRmcti e m t emc I madc , . inbrmatlarc yo« raa Deed aeoows re.,bar, th corer ml. 4. Asummawd of Ldn Onr&* N Rtband PayNMM Few. mows d des arrtpeded amy • dw1 41" of ih amr • dory i, caft w Your aecwN ai be aswad no letore dun two of to M iro pedod Under On few0 hw drd aoorw drkr0 say b n mapgrwdorr, If posap?d yes basses thre I. red n 6",, «R yes rww awn trMrrnadm, a dwadpdm of dM purchs) it I'm ban d Y h d ,vw tads d yar arMmwr apswrwd raeaw des dOtt m waive «not m aaemw a ty Isere wAdwut ?rMr notlrosdan m Der dya ma wes the sues «mMiar ou wNlwd weMM Ow form you an ware dad. You do not hw m pay wry anro es M vdie vre an N, but yos the an r>ot an ai m pay dr paw -.,-w a p sy o wch p y }mw at a Ida tlow. in Pwtlwt we InweYwle yar ?wabr w? serest scrim to colect th wb r d r s of c of writ L we add p 6.7RaewklS Ymv AmmwaM. N a mtmbenNp be appwn m th Teas d rie etabwnws yes hw 90 rgrwr « ry spat you a t ra ears yes c a d e the add tp days bum ih rise tii alarrtws wa now m you to Dews payhp des M «m Irw wedt M «edwd m you t,t Special We For Credit Card R vImeas W parlodc Jety balwtoe h IT yes anal Yaw awwwn. Dudry rie petio4 Yaw' wrNare m uw ywr acoawr wNhwrt hvbyes q m PaY T. ureosl mull o« aawrra dmrii Ae If you Itaw a probbn cNtlr tlw WaMly of Propartl' or ou dit ed and kh bprewp rwwactlar y , . rrter p notlry u by w" or CuM nwr RNaYar Depamrwnt w y a cre arwams drat you w twee vied in wm m oared tfr prcblan wide des t Mw pmioum wr Va a red pry yar ?Mw BMrtw' h Tut (archldrrp Uw mwrbwMri M) qbr m tlw wd d tlw WrtydaY f?Nb• . sus rerrtderq nwrdww, Wu may hve to V t not w pay N You hw 1Hm « eerMDee d des on dw y M a w awcdM 6 l Mr wM w clove e AwwM. Yw cn wp & M Yore CMw Ywb Rlbs, Der Clwtarwr f accord ait es p? y . wnow Yy wlwn yes pwalww pin wa muse M Vymmw 0 ,yon d add r hues uses « d i d arce Y a if yes pid des p y t yp DtpamarL You mull dmdoY ya? credit cwdW wd resudad:ed bi k d ll d wa wa ma e n ya an es prw 0.0 N V rltaNep added. (If vw over or d 0 =:X- =0 ant in M (or rued my tpmcfs g, a, cww a p wc :cant access wd awes qyo« amws. X you do rot cwoml prasudgdwd?oip arwgwrwrN, we wi cawider Ycu w or ff rw rnMa . aduerWarrws fir des p?eXy «serviw M purcltws an aownr0 nprdew of arwwd « kmarim of pwGww.) f balarc We nwyM *to daP ysw wrdwddadar to wWan yar ore acaows will at be coed ydarrar PMw wrrwaber w wpm M conwpadwwa. .=w I I ywr tow Y, y ud yore pay all alaalrea Yar Dues W Mtckr4rrp: rry at awradierr Fau lees aWtodw •twwe dirge, pI t Dow not an* to corm m --,mm ewd aecorrra aMrde by w r M th bi Dew Faa, awrrdt Ma, uses ,astir advwrDe form wd wry atlwr tore aamwd m yaw t mw not 8A* a+ ww:ww wr. mdir cad Koasra • may M a des amous of acrttart Yw n reeporwrde for tire: antowsm wwdwr deal' mppaw m your accwad at dw 1ka you mWas m ebMwaolMl Ona v4 pods kdamallon privacy praacnim: aw w C com. w at www a summers dose th Decease «thay Dees krwrred woee9rrMS m yes rewma to rdw tlr axaras. TIN my reauk In . Ores M a ny?wred aMw nark d Capita Orw?Fir= tbrpordort. All dOta rmwrwd. r `2000 pry th v durYae epparktp n Your aornus alai Yost hw rewlaeMd dla aTeuR b W tdoaa0 «Ura wmwiw d ou nemd ems aw hi M wmrr « X If ri d 9 0 O7 LOLB4K Capita Ores 8 o ?0 yy? Fo O? Mr« N appeen n tlw figs d I b. rrwa m If des a'Bria 7we Rao AppM!d p; rw m ewaos daN. biww a darn w.nwrr bu N? IIe1Mer p+rearsa yes ear m u wi b credtd m yo« wxars a d 1M buakra day we reoMw k, pmMdd (1) You and th bawan palm d rie etsamaM and yar Gwck M des wtcmwd IerNMwrw erwaopa red (`2I yaw payntws M reosved In Der aaoaMm owNr W 3 p.m. EF 11 t non Pre. Plww aNOw d Mao for 161 60-w- drys for poawl paYntarN rsoMmed hry a d 'N 't- We* a ny W" ft ea may rest be r *'a as of desdwdg You and dosyy we =" thm. Ole wMkwa date m Morrwy thwyr 9 richwadey, ... h rep Y.. Flew dm rot ua caries, L-0 rib, em. wtMn pwpMkw wnwr, WtMn you and w a If =40= -ma flan yar bardm- acoardmw mp 0 1 rnM Z ? Sm- p Dew draft or COW Dew biting cyd...al it be. if w. a..wt gowme Dew vaaMr, nu mrdwri:. First 3 months half-price 97 $0. apno. emeaftw SIGN UP TODAYI ' 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral PLATINUM VISA ACCOUNT 4862-3624-6098-5164 previous Balance $3,389.83 Payments, Credits and Adjuwnenu $.00 Traowctions $35.00 Finance Charges $78.60 New Balance $3,503.43 Minimum Amount Due $3,503.43 Payment Due Date Acgust 07, 2006 Total Credit Line $500 Total Available Credit $.00 Credit Idle for Cash $500 Available Credit for Cads S.00 At To al Cu.ama Rdsdou a w spat a bat a rtAm aud: 1-800-955-7070 sad psymata to: smdingq6dda t% Arm. Rmatam Fromo ag oar&a? Caatoar 30235 P d 8 P. . 8aa 790216 St Luria, MO 631794216 aa . . SLC, t1r 84130-0289 Important Account Ltformation Take control and Ka payig your bill online for fi:ee. Elimin r the harale of writing therm, finding swum and sealing envdopea Everfd* you and to access, revie+v, and payyour bill u available online. Our white offess you a convenient, simple, and none wry to manage your account Vnit -xapialome tom and register your account to start simplifying your life today! Pavmenta Cadits std Adiustmenu JUN 08 - JUL 07, 2006 Page 1 of 1 Tnnmctiom 1 07 JUL PAST DUE FEE $35.00 You were -sassed a past due fee of $35.00 on 07107/1006 because your minimum payment was not radwd by the due dace of 07/07/2006. To avoid this fa in the f rt re, we recommend did you allow at least 7 business days fa your payment to revch Capital One. FinanceChium n Pk esov,ol,wwssikfwssspcrtantsr kwmtso Ba[sardr r? Pbiai'r py ?f(irdb PR lar. vast PURCHASE'S 3939.00 .076H91D 27.9091 $2153 ao CASH $2,183.66 .07644%D 27.9^ $57.07 ANNUAL PERCENTAGE RATE applied tba period 27.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362460985164 07 3503430200003503438 Phew print aroirw j adbrx mrYw r-araif rArrgr biro vnw6 d/w a Ksk iut New Belsmce $3,503.43 Minimum Amoemt Due $3,503.43 st.rr ApL s Payment Due Dare August 07, 2006 Rry Sete 21P Total enclosed $ Hoau Ph- AIa Ph- AaomatNumbex 4862-362+6098-5164 s I:mrlAddmr #9018998673153207# MAIL ID NUMBER ANDREW B CREE Capital One Bank P.O. Box 790216 lelululalutllltlerl N 134 S 24TH ST St. Louie, MO 63179-0216 c CAMP HILL PA 17011-4609 Irllrr?rllcreel??retllelaelleIloilo lrsrllellloll ellellrrlerlel Pfmm untsyow mmrmr nasrdvron yowtbak ar m&y order surds fayebk to Capitol Ora Bank and wail in tdae*dN d esrsalopa peoplepc- online %%-./ 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 Blockerrm Spam Controls Smart Dialer Phisher Security Internet Call Waiting V PwplaPC Is solely resp roW for ft offer, and is rat aMpated with COW One. Capita One does not ? provide, endorse or guarantee. and is not al8lated with, any product or w *e shown here. Arty trader a ft ft co reserved. eBy responding s the product this oft, you ?s pre o p I e p C « online mentioned Irroln art solely owned by athe bout respective entlity.,M rights may be communicating kdarnNtlort about yolrsel to Ba company perry that provides the pxodud - for exa emmple, that you are a Capital One customer. u A better way to Internet. 'PeoplePC Online: Furst 3 nanlha of service ere bled at $4.97 a mom; $9.95 a monOl thereafter. Offer available to now dial-up subscribers at least 18 years of age and may not be redsomed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. UNLIMITED INTERNET ACCESS SIGN UP TODAIR 1-877-7784207 Mention Offer Code: CORAL. Or vleft www.peoplopc.com/golooral For questions, cap toll at 14888.5TRYNOW Service not avaleble in all areas. Access tees, taxes, and other fees and resh loin may apply. Telaplane toll charged may apply, even dAirg trial periods. You are responsible for determining whether a cab to are of our access numbers will result in telephone toll charges. Access may be limited, a pecWy dlrWtg tines of peak usage. DA kip numbers may be changed at Peoptel" discretion. Continuous use abject to timeout procedures. A9 use is eubjecl to "sPC Onbnes Services Agreement and Acceptable Use Policy. 51% is the . maxknum speed of service; actual speed may vary 0 2806 Peo*K lea. Al Flights Reserved. PwpiePC Online and its logos are registered trademados of PeoplePC in the U.S. and other countries. 0 2006 Capita One Services, Inc. Capital One Is a federally registered service mark. All rights reserved. 1 lbw TO AWN A FYrw Cla9% tor. Grave Pa1M. You wN have a m limrm grw Pwbd of nor. ro aAan err avrapr coy cwhw ce "r Perm wvrd by ti warnrt, are tab den .?..r ••••• •••••••• • •• ••--+- f you aWar4ad pro dew oar a mwdrre ale ear ft tl d n f ore drys Meerut rirVm daps on row pradreea, rww maw ePe??r prdraw rd raw otlwr babe trrrlam ace d wch arpert each clay, add arty rear bash and a ? crry a " yam rom w na u newt dw trnr/otlm oowwK Ice berm do@o k you aocant w? b• rauparrd, .? , dhrgw if yes, pry yes. rani • sAmos•, In asadarw Mm tlr Yrpatrt Ngtlp for pawnro brow, w ede 4 Or tea oo b PP ass antmrrK r# to 'aroma Rib Apy1li?d? , rw abD to anent of foe drips K/ be added b yea wmim, and yea w?I be raaDoroM for Payrnom N tan Is a fen Me re nr d M t a d in done t" It m be tmWtd by yam nos aataerrwt . debt dew Than Is ro grace poll m cash dmoces rd Wedol tra wle In addidah, drat b roq° podod wbhact arty tapd ltraw dmrP rrcnawa in 9m balance of each aapnr?t.I This given w to dam bdrw of each agronL Thr4 'M add rl 1W dpa?ffgyy brace boo each co o r Yr+ soma, rrrwrowan4 b W drrdaq b moo road prmrtoed W ben, uaa den aa>ourK brwrce ha burr Pad in lei r dNrwd aWr. tAe rd « scan omha be LY 7 Y A g? m arty too wascli r If you do not pay the total New w Trrraodor Mich an not A?q Farrmr Qr T aeIII I for" bOV =p and d" by to total daarirar of dove In tin eed d. This ghw w dw diy brans of each rPrmn• ?, . = rwi w ca ea reeadkr Oaneatlwh with arty ktertwt Oam*;; uwwacda% p aareaead lbhrmo ceps 1) wbjea io a prow ardod - 3. Awrr room (ADRI. 8. Ibraa Abed BaaYai Gbook Co mrabn. When you r? from la der of to oo w don or 21 ham In dam to ooneed to ote Aoeart or 3) from to ti t In a. The on 'Arian Peroertape Ram' may appear as APR' m f W fmn of this abmnrit. arori a deck r psyroont, you autlhorhs us Men to wet hlonnarim from your clwdc m mob a aeon rrr? p rarwee m V Adddaaay d tlr wart lifiwrkd ant Oalrrda da b. If do code P Prime), L (3•nc. 1.180Rt, C (0ordlcste of eledratdo fad uwwW from you bank moomm or to t? . , y, N old nor pp 9n New Balarrw ream den preNOtea b a Pealed i?j, 4rnt Bepeelt, r 3 (tlRircrd Prkrw) appears m the hat of p?rbrc tN raMr rM ufwnrrt nod b a aroceaa to p-='* r a dwdc vrestm. YArrr h++ b * atlm lean your dada b mob n woo Wr h oldd In M h9w wprd *Wd bdwm In • your wow , This mesa oom b do rme you d way A care m dcranaw, roan N e rrr a or dwros R and i bmeed I v!ry A PERCi A kheina my my ? bur in The W&V Samar aeat d d d w mw c am am c tweeter, lea my meaamtus y mw aoeatoK ea ad jd n scan en n ft coWn day m . we rr Yea wi not nwlr yea dhwk bock from WM kawd you pay the errs Now Mlrrw irdwbd m the from of you futmom by do not ouroem t doairt date, but did - m rrr wa, as isc atao Jowl* pow the rearpkr pararlY drJOaad m Wu . you imrdr aedb+aat chat do ea for tea previme mrra UMW irrme drgse em added m to ?pB?Y aepnwt of yar Accent. to. Moves Fbwm Qrrpw Fe 094h Willing PWW that Then Urrgw ear W Mace an dr Net day Of yea hit pealed erred by Yam Prbdc ounwAm mdrt b 9r mho d Jlnrry. AA .kiy and Oembar. w BILUNO ROOM 9UMMARY (h Case Of Enos Or Ousod" AbaA Yw Bel ou " - dic 1411. wror if N yam socomt b r?y0t b • 111elrhe dome, a m in mun ; MOIC t » T W Kl E pal G of 440.50 Ma be ervoe" R . BOR) or 0 (3•mw c. R the cede 0 grdmr, F n ya UwR w W d. m 9w fro?KrloerdI eyour ?p? ReF W morifty)A t e t, ! Y k yam you :L inl"b= m . arrcdm or , mw m . b r a r ? a p r r y a r lep ifhm 40 6 0 M o * ??O wh m PF11CENN1'AOE RATF3 mydrr ? b d d dm e ou n bbd dwnof tb ewt 80 dgv tqu to hearfrmr dRwrhw wdl W t eawR Ban rm 5 prdwe wrKrt ore yam soarn, too b TiNoo d mR"dnrhe err Fbrw 4Yrrpw =Ten des wa td on ryrmor tlr irh or ecrease """"' ^rY gild brdces, ea bW in TM woo 3ewr Ja?wait plea pnMarh eeb m Yw? Thew drartea tea margin y first bgi m With too mor or V v I n appeared You can Qrawer RNadorm nmbr, but damp w vrr roc W w p y idt to not sweat cry or of ire drNw br any giver ' will be erbaM on f W area day or y'w hit aMod endr morn ;near Vuw do" In V. Barr, gir w to bbwkt Infonnatlorc your crew rr owouK nmrbor, 0. doll., birp pparffppdd 2 Av==19doe es 1 Merv eveltsew1. . 4. Annoso t of Late, Ovrlot rr Rearmed Payarwt Few r.-Vt Of 0. aupstd whur, a deeehiptah of tw rear a. fierce dupe Is cYaMM W nkdYplykhp des duly Your lwwK wi W aeeawed no mom than tee d tea ire tea d d Ihr k bei rr an rrpNrwtlm, i ' a bion ten is ou More a doaedpton d m omr or N bolrw of each If of yaw awed (a•g•, weh wirer , , pradrse, $paw uwwf- err epedr Prrdhaar r ng pr o . r t rvy 1rd here dw or Cu trine at voter ctrbner apernrt, we nmrr to dgit b lase wbmr orfr rofilcetar b t t r y tlw heal yea an mete "n. You do rot have to pay rry led you lei vre an A h amaut IMN tat has bem by Uw dale Wrfodlc L At the end of each yyrq b y al wfi b b d fi b& y e or no o sweat cry cu rme r Nrlar pA m wawa 1W wewut wrvYt w r r ! Ir a iro , PeY 9r Pam d Yea too re cwt !n eti ob? m , e in grredoe vw Y%ff = y{p?, ? p y ro oo a ? yr pw deach ?td acOwii wprwrt your m 9w tray Mlrne dr bi i d . ip fee berat a n wr It Yw Mawht a . you Wve 30 tea fiat d ti rrrrwK e t or take cry ry e t the ascdwh to action to cdsc the airgrwt or take d repot you w l rrwura you rFwiwh. , we up rt per o aeIp Then at the wd of the wlaita - to rice r yaw the eaad - of then doo , dam di cream wea Malec m yea to =9:" r prbde in-we drape for each apme We ado hp den I to arrive at to mar perbdc eentn from each te -M Faynp tlw, tae «b Iwo ewh fow, I w you if you creel veto so-M Debt this pw14 you may t,t 9Drdr Rub F« Credit Card Pudwea I? a lrh--m deep for you aeeeat. To goo den delr Wonce owdifto w two Vote await Mthoa Iwvit to pay the If Yea Ww • prahiwa with f W q ft f pmpart/ w for each rprwt of yam w?ou; vw ub the orpnrq li m .d oldp I. To wrmM W. awwt, you marl w Uetart" Raletlaw Oaparmmt gai no81 w b serv{cea yet yam Mtk a Oredt wN and you hb itl d fid t bl aha brace for each eegieert and aqd any now trarec ad rM wide irarwe deep OrWabd m do pnrbw t y y Brace h lei (raeMadirt the rr 11, e to wmrA m oopra h r ism ued in a w merdrrrt Yea my have 9r right not m to rwnakort day's bYrw boo dot eegrrrtt. We tan wLbst of twot osted ? mN lror to den ad of ft Wrty-0!If P d• d N Y wr Y amount rjee on tea pl?atY «wrrose. Yw row this emp pIp woo create tlwn atdkn m1y whin too wIts Thb P glee w eeperre deW Wane the ego tlrt wprrOR i itw N rk r . y ywet Qrumer Rabtlw¦ K W girt w arorhL yea roue d"ebay Yere cndt caed(r rr Ve P Z yyr 460.00 rd tfr padre ear made In yam hew eua or own or db Of d1 le f you c mwvr, t. for each aeprrwt d vetw oo m Now Brave alewtr m vote WW41Wee rawmrt in k/ (« p awaaK accom -- cabal aB prewAwdnd bit, yam f - a eaw vre m rq min 10te ro o eperete den mrdrt, «it vw meted yea tlw ff yam mew brarme me woo or a , ' a.m* raw WNW il W traeaetbre Mich post b vow prda" or WNW rd aear acouL N you dbrotOaar Dreatdrdid alargrtfaw, w des catider prdraa drertieerart for too popwty? a aervbee as are eovwd rprdew op rrhwt w bewtm of pumdheea.) pid- teacart a• not added to dr dally braces. We oaths on average d? bares by ddlrrp d to dalW rOr a tl d your moon d a chart your wactzadm b marawend aeewt AddtlwrMy, VOW aawt wet not W r snap you eve w krud"IF arty UM w Pleat mi ew m to rpm an wmapaiderm 8 r ru bramee ypprrr err dMdrt r rem W den dWe Inilw acct hit ayde, To croreb Your tar v pry trrearirr you haw terse cif re Mw erh n f d b e Orere fees t Duty nor *A* b caKwma nw'cndrr urd acwmta p lnarrce drpe, yam evaq do Maw W tlr daly?rbdo ram ad tea rawhba of deYe in yr hit b h be a dll b 3 . ee, ovw m en ar. WY a&- be rd coy otlrr be amend m yetr You an ewparl6N for 9rw smwi wMtor awwK t DOW red apy/y to brav?w non-awR card aacanh N , em may t m ! r pealed We b ralah oo mot vayrw Delrreen ti ttorr arc to anent 01 d mot . ow appear, m vote 400"a at do am yyoouu raper to h air Wowed arrsegurt m dose the scows or te Orw wppore inbmwtlon p&wy protection: tea w at www. Oars. thrice draw axsely aaase w b. 8 do code Z r N appears m tlr feat Of tli wabmrt y yam req?rst m clew tea awwK. This my reeuk In C+Wtr One N a wily ?!'? aarvke mark d Capkal Ow FkrMr Corpwato^ ^" "'- rew^.d. 0 3003 O m rood m ;Belriw fine A,ppaed To: rw mrtplq the -_.....__ _?.... dhrPe aap?eaeWt m yam adavuK aRr you Mw .._._... «. ,, ..,,,..n ... «,? ..r CaOetr Ore 01 L(lLBAK Invent Ilrlbr PlYreeri yea mar m w w11 W erdtd m yea accent w d dr buieee day vre mcrea k. prowdd (1) You nreitea boban podwr d Wes ratwwrt rd Vw dwelt ,,,w aeb od ewrrrw arrrstop ad (2) yaw C:vmm b mowed h w woweekc owwr by 3 p.m. Er (12 noon Pn. Pbae rbw at bat 1w (a) burwea dry" for po«r dWkwy. P"v owes reorred by w at cry der loaarwr « In aq oow ism' cwt be amdo"d_ r d tlw d"Y w" mare team. Ow buhee a1" am Manby to romp 8aard% waiu3q r• Pew ea rot w "ore. Mwn amarY?r wlw you .rr w .decd") yea ahrthoie w b male . aetlme enedrorde trrrbr debit mom vet back w to make a aat drtwTi wrwriO ?apb Cdr ?R or = V. hit eycm avm If rem by emh"ar be. If we emot Ddacee" tea traM«. You autwda" as a 00 ra Rs 00 00 =ry C.3 PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK USA NA Plaintiff(s) V. ANDREW B CREE Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. ?$ - 395'7 Civi tT>? CERTIFICATE OF SERVICE I, Paul J. Klemm, attorney for Plaintiff, CAPITAL ONE BANK USA NA, hereby certify that a true and correct copy of the Plaintiff's Notice to Defend and Complaint was served this date by first class U.S. Mail, postage prepaid, upon the following: ANDREW B CREE 134 S 24TH ST CAMP HILL PA 17011-4609 and DISTRICT COURT 09-1-02 1901 STATE STREET CAMP HILL, PA 17011 Date: August 20, 2008 Respectfully Submitted: NUDE AN, N N & ZIERING, P.C. Paul J. Klemm, Esquire 405 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 C} C-0 " t PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK USA NA CUMBERLAND COUNTY COURT OF COMMON PLEAS V. ANDREW B CREE NO. 08-3957 CIVIL PRAECIPE TO ENTER JUDGMENT TO THE PROTHONOTARY: Kindly enter Judgment in favor of Plaintiff(s), CAPITAL ONE BANK USA NA and against Defendant(s), ANDREW B CREE, in the above- captioned matter, in the amount of $6,017.53, for failure to answer the Complaint in twenty (20) days as required by Pennsylvania Rules of Civil Procedure. PAUL J. KLEMM, ESQUIRE Attorney for Plaintiff PKNO5509 PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK USA NA CUMBERLAND COUNTY COURT OF COMMON PLEAS V. ANDREW B CREE NO. 08-3957 CIVIL ASSESSMENT OF DAMAGES TO THE CLERK: Please assess damages against Defendant(s) as follows: Real Debt $3,503.43 Interest $1,743.35 Attorney Fees $770.75 Costs $ TOTAL $6,017.53 Damages are assessed as above in the sum of $6,017.53. -rKU l:LhIU, PKNO5509 PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK USA NA CUMBERLAND COUNTY COURT OF COMMON PLEAS V. ANDREW B CREE NO. 08-3957 CIVIL AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND The undersigned, being duly sworn according to law, deposes and says that the Defendant is not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940 as amended; That Defendant, ANDREW B CREE, is over eighteen (18) year ., ee and rfsy. es at 134 S 24TH ST, CAMP HILL PA 17011-4609. SWORN TO AND SUBSCRIBED BEF ME THIS ?p DAY OF 2009. *NRYle?l RLE PKN05509 =.." Notary PubliC, My J mT -- PAUL J`.MM, ESQUIRE Attorney for Plaintiff . 46 PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK USA NA CUMBERLAND COUNTY COURT OF COMMON PLEAS V. ANDREW B CREE NO. 08-3957 CIVIL CERTIFICATION I, Paul J. Klemm, Esquire, Attorney for Plaintiff, being duly sworn according to law, deposes and says that he deposited in the United States mail a letter notifying the Defendant(s) that Judgment would be entered against them after ten (10) days from the date of said letter in accordance with Rule 237.1 of Pennsylvania Rules of Civil Procedure. A letter is attached hereto and marked Exhibit "A". PAUL J. KLEMM, ESQUIRE Attorney for Plaintiff SWORN TO AND SUBSCRIBED BEFORE ME THIS 6 V?t` DAY OF 2009. A 0 Y WTHERINE E. DIETERIE Notary Public, State of New Jersey My Commission Expires PKNO5509 July 27, 2010 EXHIBIT "A" PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK USA NA V. ANDREW B CREE To: Plaintiff(s) Defendant(s) ANDREW B CREE 134 S 24TH ST CAMP HILL PA 17011-4609 Date of Notice : SEP 2 1 2009 CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 08-3957 CIVIL YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A 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. COURT ADMINISTRATOR Cumberland County Courthouse 1 Courthouse Square, 4th Square Carlisle, PA 19013-3387 (717)240-6200 SERVICIO DE REFERENCIA LEGAL COURT ADMINISTRATOR Cumberland County Courthouse 1 Courthouse Square U' Carlisle, P 13-3387 (717) -6200 ?? Paul J. Klemm, Esq. Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Avenue Roseland, NJ 07068 (973)618-0000 PKN05509 OF TIC= PR HONOTARY 2009 PLOY 23 PM 1: 58 to ' • ?/ 414 0O pn po I lQ t o R3+ a-lo?ty OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS CUMBERLAND COUNTY PROTHONOTARY TO: ANDREW B CREE 134 S 24TH ST CAMP HILL PA 17011-4609 CAPITAL ONE BANK USA NA V. ANDREW B CREE CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 08-3957 CIVIL NOTICE Pursuant to Rule 236, you are hereby notified that a JUDGMENT has been entered in the above proceeding as indicated below. X JUDGMENT BY DEFAULT s ( IC . OTHONOTARY °ZA ! I I a.3'ol MONEY JUDGMENT JUDGMENT IN REPLEVIN JUDGMENT FOR POSSESSION If you have any questions concerning this Judgment, please call Paul J. Klemm, Esquire at 973-618-0000 . PKN05509