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HomeMy WebLinkAbout08-4773PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 08068 973-618-0000 ID # 92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK USA NA CUMBERLAND COUNTY f Plaintiff(s) d g --- -?' 1.3 V. KELLY COY Defendant(s) COMPLAINT IN CIVIL ACTION NOTICE 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 OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. AVISO Le han demandado a usted en la carte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. See avisado que si usted no se defiende, la corte tomara medidas y puede continuar le demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u ortros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE ELDINERO SUFICIENTE DE PAGAR TAL SERVICO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL COURT ADMINISTRATOR Cumberland County Courthouse I Courthouse Square, 4`" Square Carlisle, PA 19013-3387 (717) 240-6200 SERVICIO DE REFERENCIA LEGAL COURT ADMINISTRATOR Cumberland County Courthouse I Courthouse Square, 4" Square Carlisle, PA 19013-3387 (717) 240-6200 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. KELLY COY Defendant(s) CUMBERLAND COUNTY COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK USA NA, 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 USA NA, is a corporation licensed to do business in the State of Pennsylvania. 2. Defendant, KELLY COY, is an individual and citizen of the Commonwealth of Pennsylvania, who is believed to currently reside at, 36 VILLAGE CT, MECHANICSBURG PA 17050-9166. 3. At the special insistence and request of the Defendant, Defendant was issued a credit card by CAPITAL ONE BANK USA NA, account number 5178052368399016. 4. The Defendant is responsible for an unpaid balance in the amount of $4,744.69 and interest in the amount of $528.99. 5. Plaintiff has made demand to Defendant for $5,273.68, but Defendant has willfully failed and/or refused to reimburse Plaintiff for the aforesaid sum due. Wherefore, Plaintiff demands Judgment in its favor and against the Defendant in the amount of $5,273.68, plus attorney fees of $1,043.83 and interest from the date of breach, with continuing interest thereon at the legal rate from the date of Judgment plus anticipated court 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 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 VERIFICATION The undersigned, Paul J. Klemm, Esquire, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the foregoing pleading are true and convect 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 foregoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The undersigned understands that the statements herein are made subject to the penalties of 19 Pa.C.S.A Section 4904 relating to unsworn falsification to authorities. Date: July 26, 2008 Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 W a .? 4 fM 00 y ?? C-n Y 11 CAPITAL ONE BANK USA, N.A. Plaintiff V. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA No. 08 - 4773 - Civil Term KELLY COY, Defendant CIVIL ACTION - LAW PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes the defendant, Kelly Coy, by and through her legal counsel, MidPenn Legal Services, and files these PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT, and in support thereof avers the following: 1. Plaintiff is CitiBank, by their attorneys, Paul J.Klemm, Esquire,425 Eagle Rock Avenue, Roseland, NJ 07068. 2. Defendant is Kelly Coy (hereinafter "Defendant"). 3. Plaintiff filed its complaint on August 8, 2008. 4. Plaintiff claims that it is owed an alleged balance of $5,273.68 and attorneys fees, interest and costs. PRELIMINARY OBJECTION PURSUANT TO PA. R.C. P. No. 1028(a) (4)) (Demurrer) 5. Paragraphs 1 through 4 of Defendant's Preliminary Objections are hereby incorporated by reference hereto. 6. Plaintiff does not allege that there was any agreement between the Plaintiff and the Defendant, either express or implied, to support a cause of action for an account stated. 7. Absent such allegations, Plaintiff's allegations fail to adequately state a cause of action. WHEREFORE, Defendant prays that Plaintiff's Complaint be dismissed with prejudice for failure to state a i cause of action. PRELIMINARY OBJECTION PURSUANT TO PA. R. C. P. No. 1028(a)(3) (INSUFFICIENT SPECIFICITY IN A PLEADING) FOR FAILURE TO PROPERLY PLEAD ITEMS OR TIME, PLACE AND SPECIAL DAMAGES 8. Paragraphs 1 through 7 of Defendant's Preliminary Objections are hereby incorporated as if fully set forth herein. 9. Plaintiff claims that it is owed the alleged balance of $5,273.68 but attaches nothing in the way of an agreement or statement which would form the very core of Plaintiff's claim. 10. This account fails to specify any agreements of the parties, terms and conditions of the agreements, amendments to the agreements, the Defendant's request for products, goods or services or the amount, or time and place of individual credit transactions. 11. Plaintiff fails to sufficiently specify the type and/or amount of the alleged debts owed, including the amounts and dates of the alleged charges, the amounts and dates of any payments made, the amounts and dates of any interest charges, and the amounts and dates of any other charges. 12. Pa. R. C. P. No.1019(f) requires that averments of time, place and special damages shall be specifically stated. 13. Plaintiff's general assertion of damages therefore is in violation of Pa. R. C. P. No.1019(f) and renders Defendant unable to properly defend this action. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff's Complaint with prejudice for insufficient specificity in a pleading. PRELIMINARY OBJECTION PURSUANT TO PA. R. C. P.No.1028(a)(2) and No.1019(i)(FAILURE OF PLEADING TO CONFORM TO LAW OR RULE OF COURT) FOR FAILURE TO ATTACH A WRITING 14. Paragraphs 1 through 13 of Defendant's Preliminary Objections are hereby incorporated as if fully set forth herein. 15. Plaintiff bases its claims against Defendant on the issuance of a card and the responsibility of the Defendant for an unpaid balance on the card. 16. This issuance and responsibility must have been evidenced by an agreement with terms, amendments and statements purporting to represent Defendant's account,but none are attached or executed by the Defendant.. 17. Plaintiff has failed to attach any credit agreements or applications for credit agreements made or signed by Defendant. 18. Pursuant to Pa.R.C. P.No. 1019(1), when a claim is based upon a writing, the pleader must attach a copy of that writing or provide explanation for its absence. 19. To the extent that any credit agreements between Defendant and Plaintiff are written, Plaintiff's Complaint fails to comply with Pa. R. C. P. No. 1019(i) in that Plaintiff has failed to attach to its Complaint a copy of any such written agreements or any explanation for the absence thereof. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff's Complaint with prejudice for failure to conform to a law or rule of court. Respectfully submitted, MidPenn Legal Services Date 471, By:? Geoffrey Biringer 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 I CERTIFICATE OF SERVICE I, Geoffrey M. Biringer, being a member in good standing of the Bar of Pennsylvania, hereby certify that I served a true and correct copy of the foregoing Preliminary Objections to Plaintiff's Complaint on this 8th-; day of September, 2008, by placing same in the United States mail, first class, postage prepaid, addressed as follows: Paul J. Klemm, Esquire 425 Eagle Rock Avenue Roseland, NJ 08068 MIDPENN LEGAL SERVICES By: Geoffrey M. Biringer Attorney for the Defendant 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 Supreme Court ID#18040 r-°; ? t..,- t.?_-, Fl-, `,?/ ?; 7 T r"?-* C.?,-t , , -,.. ? ? ;?: .r"' t?:+ l.:''.' CAPITAL ONE BANK CUMBERLAND COUNTY Plaintiff : 08-4773 Civil Term KELLY COY Defendant Praecipe for Entry of Appearance Please enter my appearance on behalf of the Defendant above. =eoffreyM. Biringer MidPenn Legal Services 401 E.Louther Street Carlisle, PA 17013 (717) 243-9400 Supreme Court ID#18040 rma CD VCS - c SHERIFF'S RETURN - REGULAR CASE NO: 2008-04773 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK USA NA VS COY KELLY RONALD E HOOVER ,',Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon COY KELLY the DEFENDANT at 0019:12 HOURS, on the 20th day of August 2008 at 36 VILLAGE CT MECHANICSBURG PA 17050-9166 by handing to KELLY COY DEFENDANT a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Sheriff's Costs: Docketing Service Affidavit 9I?Io$ Surcharge DO Sworn and Subscibed to before me this of r attention to the contents thereof. So Answers: 18.00 12.00 .00 10.00 R.' homas Kline 00 40.00 8/'1/2008 ??;LMAN NUDELMAN & ZIERING By. day Deputy Sheriff A.D. I' I. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. ) NO Plaintiff ) V. ) ) KELLY COY ) Defendant(s) ) CERTIFICATE OF SERVICE 08-4773 CIVIL TERM I, Paul J. Klemm, Esq., do hereby certify that I have served a true and correct copy of the within Amended Complaint by regular first-class U.S. Mail, postage pre-paid on the party listed below on the date listed below: MidPenn Legal Services 401 E. Louther St., Ste. 103 Carlisle, PA 17013 September 23, 2008 Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff V. KELLY COY Defendant(s) NO. 08-4773 CIVIL TERM AMENDED 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 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff V. KELLY COY Defendant(s) NO. 08-4773 CIVIL TERM AMENDED COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK USA), N.A., above named, by and through its attorney, PAUL J. KLEMM and the law offices of Nudelman, Nudelman & Ziering, P.C., and files the following Amended Complaint in Civil Action, and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a corporation licensed to do business in the State of Pennsylvania. 2. Plaintiff is informed and believes that Defendant resides at 36 Village Ct., Mechanicsburg, PA 17050-9166. 3. On or about September 30, 2003, Defendant entered into a written contract with Plaintiff. The credit card Application and Customer Agreement are attached hereto as Exhibit "A" and incorporated into evidence. 4. Defendant owes the principal sum of $4,744.69 for credit extended by Plaintiff on account number 5178052368399016, and the reasonable value of good sold and delivered and/or services rendered. The credit card statements are attached hereto as Exhibit "B" and incorporated into evidence. A- 1 S. Pursuant to the terms of the credit card agreement, Defendant also owes interest at the rate of 27.60% in the amount of $528.99, and reasonable attorney's fees in the amount of $1,043.83. 6. Plaintiff avers that Defendant breached the Agreement and is in default for failing to make payment on or about June 23, 2007. 7. 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 $4,744.69, interest at the rate of 27.60% in the amount of $528.99, reasonable attorney's fees in the amount of $1,043.83, and costs of $178.50 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. Respectful tted: Nudel , Nude an &Ziering, P.C. Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 4 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's principal place of business is outside the State of Pennsylvania and the verification of Plaintiff cannot be obtained within the time allowed for filing this Amended Complaint. 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 a Date: Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 J m? ,.... woo ta a ? m r r NQ 0 °a V r .r.J s s 0 0 0 ? Y z Q tl co ? r th r p N r Q A-W, N G N r N ?. N v o 0 its air ? G ?d m . 6 a . O O O 00 T N d? Q CUSTOMER AGREEMENT Welcome b Capital Cne.® We are pleased to open your credit card account This Agreement mnbkhs Information about your account Please reed it and keep it for your records. In gas Agreement the words 'you.' ydilr' and yours' refer to each person who signed to application and to anyone else who uses the account In any way. Each of you Is kdhviduey and )olely obligated under this Agreement The words 'we: 'us' and 'our mean Capital One Bank and Ib successors or assigns. We can delay enforcing our rights under this Agreement without balng them. Using Your Account You can make purchases and "in cash advances (l we have told you that ash advances are an option for your account) by using your card, account number, and any accent access checks (brdudag Padhme Chats, Cahvenience Checks. Special Transfer Checks and other alm llar checb) that we may send to you. When we provide you with account access checks, we will tell you whether they will be treated as purchases, ash advances, or special transfers, Unless we del you otherwise, Convenience Checks will allays be treated as ash advances. You card or account cannot be used in connection with any Internet or illegal gambling aansadims. Your card and so=" may only be used for valid and fearful purposes. It you use, or allow somone else to use, the card or account for any Impennleeible WPce4 you will be responsible for such use and may be required to reimburse us and MasterCard Inlemtkrnta Incorporated or Visa USA, Ina, as applicable, for all amounts or expenses we of they pay as a result of such Impermissible use. You agree that we are not resporsbb f anyone refines to honor your account If you do not use your account you may anal It by caning our Customer Relations deparlnard and destroying your cud(a) and account amass checks within 30 days after you receive them. Cash Equivalent Transactions. N ash advances are an option for your amount you Can use your amount b purchase Items that are directly, cconvertible to cash. These cash equivalent transactions coil be treated as cash advances and will be billed to the ash advance segment of your aceont. Cash equivalent treneadions Include the purchase of wire transfer money orders. bats, lalery ticket, casino gaming chips, and order similar products or services. Your Credit tint. You were bid you credit Iknk when you opened your amour. You also may have ditwt cradt teats cal apply to different augments of you amont (such as purchases, cash advances, and special barstem). These credit knits cod be Identified m your perbdic statement You agree to make purchases or obtain ash advances only up to the relevant credit fimit We may innreme or decrease you credit lkngs at arty Ono, easy teat he smout ft Is av llable for rash advents, or may exdude tab advances entlrey from you account We may honor lansections in excess of you credit limit even If those trarsaclons MBUt in an overift be, and those transactions and fees will be covered by this Agreement Malcfng Payments. You promise to pay us all amouab due resulft tom the use co your amount Including any finance d" a and other charges due under the tam of this Agraront Payments must be nude in U.S, dollars. Paymanb made by a negoeabha Instrument such as a duck or a money order must be in a torn acceptable to us and be drown on a U.S. tnandd Institution. we may abate payments among the various segments our your amount in any way we determine. You must pay at kart he minimum amount due by the date requested m your statement to avoid a lots payment fee. However, you may pay more than the minimum payment or Pay the balance In (W. In any tor, finance charges will continue to be assuaged dialog billing periods that you carry a balance regardless of whether or not your sbbrtsrt shows a mirarwm Payment due. We an accept lab Payments or partial payments or checks and money orders marked •payment in fun' or other similar language wNhdut loss g any of our rights under this Agreernent Including our right to receive payment In ful. Periodic Statement. Each month you have a balance in your amount we wit send you a statement showing all transactions billed to your amount during the billing period. The tilling period Is the 11719 from one saamert dosing date through and Including ft next statement dosing dale. The stallsman dosing date determines the month of a specific billing period. For example, your January bNing period is the billing period with the statement dosing date In January. Finance Charge Information. A. Grace Period. You will have a nankurr grace period of 25 days without finance charge on raw purchases, new balance transfers, new special purchases and new other charges M you pay your total Now Balance as shown on your periodic statement In Nil and in time for it to be credited by your next sat i rant closing does. There Is no gram period on cash advances and special transfers. In addition. ff you did not pay the total Now Balance from the Previous Wing salamen In lull and In One for it to be credited by your neat 81211enant dosing dab, there is no grace period on any transaction. B. Accruing R uiece Charge. Transactions which are not subject to a grace period are assessed finance dirge as follows: -Transaction made during the current bling period: from the transaction dais. •Undafed transaction and transactions made with aocoud access dads. from the date the transaction to processed to your account -Transactions made prior to the current *rig period: from the fist calendar day of the, anent billing period. Addtkmay, t you did not pay the New Balance from the previous billing period in full, finance charges continue to accrue to your unpaid balance until the unpaid balance Is paid in fug. This means that you my still we finance cages, evert t you pay the entire Now Balance hated on One front of your rtaternant by the nerd statement closing dais. but did not do so for the previous month. Unpaid finance charges are added to the applicable segment of your account C. Minimum Finance Charge. For each bNIng period that your amount b subject to a (nonce large, a minknum total frmoe cage of $0.50 will be Imposed. If the total fl- charge resutkg from the application of your periodic rate(s) Is ass than $0.50, we will subbW Mal amount from to $050 minimum and the different will be bled to the purchase segment of your amount D. Periodt Rates. We determine the day periodic rata by dividing the annual percentage rate m/ 365 and rounding it to to nearest 11100.WOth of 1%. The rate may be ciftent for each segment of your amount (e.g., ash advance, purchase, special purchase, and special transfer t applicable for your amount). You were told the daily periodic rat(s) when you warned your amount and it appears an you statement E. Carada6txg Alliance Chege. Finance cage is almated by multiplying the day balance of each segment of your amount (e.g., cash advance, purchase, special barter, and specal pochese) by the corm spordtrg day pedodk: rsb(s) that has been previously disclosed to you. At the end of each day during the billing period, we apply the day periods rate for each segment of your amount to the day balance of each segmht. Then at the end of the tang period, we add up he results of these day calculations to enNe at your periodic finance cage for each aegrran. We add up the routs from adh regnant to arrive at to total periodic finance cage for your amount 005112-11 To get the day balance for each segment of your account we lake the begknirg balance for each segment and add any new transactions and any periodic fkelnoe charge calculated on the previous day's balance for Mat segment We Man subtract any payments or credits posted as o( ft day that are allocated to that segment This gives us ft separate d* balance for each segment of your amount However, If you paid the New Balance shown on your previous statement M lug (or t your New Balance was zero or a credit amourng, now lansacwans which post to your purchase or special purchase segments are not added to ft day balances. To calculate your total ffnsnce charge, multiply your average day balance by Ore day periodic rate and by the number of days In the billing period. Due to r wdM on a day basis, there may be a shighl variance between this calculaOm and to amount of liana dirge actually assessed, F. Cash Advance Fee. O a ash advance fee apples to your account, you were toil the tea when you opened your accoun. The fee will be charged each ihm you obtain a cosh advance and will be added to the ash advance segment of your amourd and will reduce you available audit. The amount of the ash advance fee will be added to other finance charges on your perbdb statement for the purpose of calculating the annual percentage rate disclosed tars. This may cam the annual percentage rate disclosed on your statement to be greater than he annual percentage rate that was disclosed to you when you opened you amount G. Temporary Reduction our Finance Charge. We reserve to right to not assess any or all It&= charges for any given bling period. Other Fees and Charges. The febwhg fen may be Had to 1ha purchase segment of your account unless otherwise specified, in every bung period In which they apply: lab payment fee 1 we do not receive your payment in this for it to be credited by the following statertant dosing does; overWNt tee g your account (or any segment of your amour) goes or stays above any temporary or permarhenOy, assigned credit On* even l we approved to ovetlrk amount, at awry One during the MIBg cycle (regardless of whether you went ove" as a result of a transaction, finance cage, or any order fee or charge); returned duck be, imposed every Ore a duck is returned to m fa anyrealm, or gwe cannot hater your accost access checks for any rem; and copying charges for duplicate copies of transactions or statements unions requred for billing dispute resolution. These fees and charges will not be assessed If your billing address was In Puerto Rico when your amount was opened. The fee and charge amounts wan disclosed to you when you opened your account ff any of these teas or charges are changed subsequent to your amount opening, you Will be advised of the new amount We reserve the right to waive Uwas fees writhoutpriornodcabo byou. Manbership Fa. If your account has a membership lea, it was dlsdosed to you when you opened your account The fee wN be billed to the purchase augment of your account Credit Bureau Information. You agree that we may obtain you credit irdonnstbn from credit repoding agencies at any time for the purposes of monitoring your credit performance, managing your account and considering you for new dkrs and programs. Future Offers. The ems of any future otter will be disclosed to you at the tine the rifer is made. N you accept an offer, the terns will become effective immediately unless otherwise specified in the offer. Deault We may consider you to be In default under rids Agreement II:. (a) you ail to pay to minimum payment an tiro, (b) you exceed your credit Ilmt, or (c) you pay us with hands that are returned for any reason. To the extent permitted by low, you may also be In defect under this Agreement it.. (1) you violate any of to other tams of this Agreement or any of the terms of any other agreement with us or any of our effigates, or (2) you made any aloe or misleading sestemens on your application, or (3) bankruptcy or other insolvency procesdshga are Instituted by you or against you. After you as in debuft (or after we give you any notice of or right to awe the default ff required by low), we may restrict your account tram new bansedom. or dose your amount and demand immedate payment of the entire oubauWhg balance. In warn, as a resuh of the default, your cankdurn payment may Increase without advance notice. To the extent pemnitted by law, you agree to pay all tout mats and collection expenses krcrnred by us in the mted>im of any anraad you owe us under this Agreement If you default and we refer you account for collection to an attorney who b not our seeded empbyet to the extent permlM9d by law, you agree to pay reasonable attorneys' fees. You also agree to pay any costs we may Incur In retrieving your arils, Inch dkg any cods we may bar by having your aommt pieced on a resbided Gst. M You Chose Your Aceow% You con request to dose your amount by caring our Customer Relations department You must destroy at cards and account amass daub, anal all preauhorked filling srtangemems, and rice using your account If you do not cancel preeutwtred bigkg arrangements, we will consider MOW of a charge your suMoftaton to reopen your amount Additarely, your amount will not be closed until you pay all amounts you owe us inducting; any transactions you have authorized, firana chages, late payment tees, over imt fees, returned duck fors, cash advance fees and any order fees assesad b your account You are responsible for these amounts whether they appear on your amount at the time you request b dose the amount or they are Incurred subsequent to your request to dose to account This may result In doges appearing an your account after you have "saw the amount to be dosed or the reopening of your amount g It has already been dosed. For example, 9 you authorized a purchase from a merchant and we reoNve the transaction from the merchant after your amount has been dosed, your account will be reopened, the amount of the charge will be added to your amount and you will be responsible for payment If there Is a membership fee for your somurk to fee will continue to be caged, to the extent permitted by low, until the accent balance has been peed in full as defined above. M you want b stop an authorized user's scoass to you amount you must call our Customer Reletio s depn4fierht and destroy ft users ant (g any) and any account access checks he or she may have. If you are unable to des" that parson's card and amount access clacks, and you cal our Customer Relations department to close your aaouht your account will be dosed and both you and the )oat cardholder, M any, may apply for a new amount If we does the account you and fie joint cardholder, ff any, will still be liable, Individually and together, for at amounts charged to your account f We Cancel Your Account our Suspend Credit Privileges. We may at any time, waft or without cause and with or without advance notice, terminate this Agreementwllhout losing them. Changes In Terms. We may amend or change any part of your Agreement Includtq the periodic rates and other charges, or add or remove requkamenls (including adding new requirements of the same or a different nature as the existing requirements in this Agreement) at any Nine. 9 we do so, we will give you notice I requited by low ol such amendment or change. Notice will be mailed to the last billing address indicated in our records. (However, no notice will be metied I we previously had ratified you that your account would be subject to such amendment or do" witwut rwGce.) Changes to the annual percentage rate(s) will apply b your account balance from tiro ~vs dais of Ile change, whadv r or rot the account belabor Included hems (riled b the account before to change date arid whether or not you comirme to use to account Charges to lees and other charges wit apply to your amount horn the effective data of the decge, Applicable Law. This Agreement will be gow:med by Vigirk law and Federal law. Severabtky. The invalidly of any provision of this Agreement shall not ated the validity of any other provisions. Lost or Stolen Cards or Account Access Checks. It yaw cards or account access checks are lost or stolen or t someone else may be using than without your pemisalon, no* us at ace by Calling the telephone number shown on the front of your periodic statements. You wR not be liable in any amount for unautwrined use of yaw Cards or account scows ciudks. Your Biig Address. You agree to ghre us written notice of any charge In your billing address at beat 10 days before the change. Charges may be wd m in the space provided on the remtlanos coupon portion of your petodc statement or may be sent to the following address: COW One, P.O. Box 85015, Richmond. VA 232855015. t your account is a ON account or t more than one person B permitted to use It you agree that al notices regarding to account may be sat solely b the address sham on our logging records. Communications. We may eat you (using We operators, automatic dialing devises, or recorded messages) at home or work and those cab wig not be considered unsoidled. We may monitor or record cry t we make or receive. We may release Information to others regarding the status or history of your account as is more lu ly discussed in Ihs Capitol One privacy potty, a Copy of welch has been provWed to you. We may make inquiries of trird pestles n connection with maintaining and cotedkhg yaw account and you autadm such grind pates b release information about you to us. Cardholder Benefits. Cardhholder behafiw may be changed or terminated without notice. The benefis may be provided by third panes, we are rat liable for such benefits or for the actions or omissions of the third pates. U.& Currency. If you make a purchase or cash advance in loreign Currency, the transaction Wig be converted Into U.S. dollars using Visa or MeslerCard regulations and oonverslon procedures in eted at OW We. Vise or MesterCard may Increase the CIDIMMlon rate and keep ids Increased amount The rats in eted on the conversion date may dNW from tlhe rate used at to transaction dab. ARBITRATION: You and we agree fiat either you or we may. at either party's sole election. require that any Claim (as defined below) be resolved by binding aftation. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTATIVE PROCEEDING. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, INCLUDING THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION. THE FEES ASSOCIATED WITH ARBITRATION MAY BE HIGHER THAN THE FEES ASSOCIATED WITH COURT PROCEEDINGS. Spacial DWinkbns for this Arbitration Provision. For the purposes of this arbitration provision ('Adxitraton Provisionl, the following definitions shall apply In addition to the definitions set forth In this Customer Agreement ('Agreement): "We; 'us" and'ou' mean the owner of your so=" (Capital One Bank or Capital One. F.S.B.), Its parent and tsar direct and Indirect subsk)leries and agates, as well as all of thfltr respective employees. officers, dkectos, llamas, predecessors, suomseors, and assigns. 'Claim' means any claim, controversy, or dispute of any kind or nature between you and us. A. This def iiox ndudes, wftcut Cmitadon, arty Claim that in any way arses from or relates to. -this Agreement and any of its terms (including any prior agreements behvean you and us or between you and any other amity from which we acquired youracci -this Arbitration Provision (including whether arty Claim is subject to arbitration) -the establishment operation, or termination of your account -any disclosures, advrutisememt, promotions, or other communicates relating to your account whether they occurred before or after your a corxntwas opened -any IMM80110ne oraflempled franSaegae irwoNkg your account -any billing or collections asters relating to your amount -any posting of transactions (incluft psynents or credits) to your amount -any goods or cervices Charged to your aaant -any fees, Interest or other d"m assessed to your amarn or trek calalaton .any products, services, or bene8b program retied to or offered In Connection with your account (including any Insurance, debt cancetaton, or attended service contacts and any programs, rebates, rewards, sweepstakes, memberships, discounts, or coupons) whether or rot we offered, introduced, sold, or provided them -our receipt use, or disclosure of any information abet you or your account -any Odw madam relating to your account or your relationship with us. B. This definilim abo includes, % leuf fn ila(roq any Cia m. -regardless of how or when it Is brought (for example, as an Initial daln, counterclaim, aosada m, Inerplear ing, or Third-paily dam) -based on any theory of retiat or damages (including money damages and any tom of sped8c pedonnence or injunctive, declaratory, or other e"datiis relic) -based on any theory of law or epugy (Including contract, tat fraud, oonsttutlon, statute, regulation, ordinance, or wrongful ads or omissions of any type, whether negligent, reckless, or Intentional) -made by you or by anyone Connected with you or daiming through or for you (ncedig a coappfttd or sugar}md user of your amount your agent your represenledve, your helm, or a trustee In bankruptcy) 005112-21 .for which we may be directly or indirectly Asia urafer any theory, Including respondeet superior or agency (even if we are riot properly clamed at the time the Chin Is made) .now in existence or let may arise in the future. regardless of when le facts and Circumstances thatgWe rise to the Claim oavrted or when the Clain accrued -made as part of a class aalorh, private atorney general action, or other representative or collective action, which Claim shag proceed on an Individual basis as set bath more fully in this Arbitration Provision. Arbitrafon Administrators. One of the fobwing arbibatbn administrators ('Administrator or, mAectively.'Admigstratorsy will administer the arbitration: JAMS Amariean Arbitration Ass'n National Arbit ation Forum 1920 Mein St, Sta. 300 335 Madison Ave., Floor 10 P.O. Box 50191 Irvine, CA 92810 Now York NY 100174805 MinnespoW, MN 55405 fEBtw.lamsedLS9N witimadrora You may corded any of the Administrators to obtain information about arbitration, arbitration rules and procedures, fee schedules, and claim forma. Election and InklaBon of Arbitration. You or we may elect adkatlan under this Ardtratio0 Provision wNh respect to any Claim, even I the Claim is part of a lawsuit brought in court You or we may make a motion or request in court to compel arbitration of any Claim brought as pat of any kavsut. We will not sled or Ingalls arbitration of any Gam brought In a and darns court (or the equivalent), so long as to Claim remains in that coat b made soby on behalf of an individual or joint account holder, and B nor made as part of a class action, private altaney Vol" action, or other representative or owed" action. You and we must blow the rules of the Admfnsxbators to Inifale arbitration, It you nigae arblbaaon, you may choose one of the AdminBhabrs, and you must mail us any notice required by the Administrator to P.O. Box 85M, Richmond, VA 232855550. If we Initiate arbitration, we will choose one of the AdrttiMebalas, and we will mail you any notice requited by the Adminisli b b yaw last4mown being address, If we have inileted arbitration, we will charge the Administrator at your request I you noddy us in writing at the some address within fifteen days of ge date of any notice we send you of our initiation ofartigratim. Procedures and Law Applicable in Arbitration. This Arbitration provision is made pursuant to a tanaectlon InvoMng irlerstale commerce and shag be governed by and erdance" under the Federal Arbitration Ad (tlhe'FAA7. Ouestilorhs about whether any Clain is su*a to arbitration shag be resolved by lrnlerpretng this Ardtrailoo Provision in the broadest way A may be enbfced, consistent with the FAA and the terms of this Arbitration Provision. The artigraiDir will apply subslenfive law mnsislent with gore FAA and applicable sletules of limitations. The arbitrator may award any damages or other relief permitted by apple" substantive law, but the award 31181 delecir" the righB and obligations of qtly the named Parties and only with respect to the Claims in ardaaton. The rubs and procedures of the Administrator, which you may Obtain from the Administrator, shag gages the wbftdm unless they conflict with this Arbfratbrl Provisl0n, in which knee this Arbitration Provision will apply. The arbitrator will not be bound by, and this Arbitration Provision shag not be subject to, ft lederst state, or local ruin of procedure and evidence that would apply In any court or to state or local laws that Miele to arbitration Proceedings. You or we may have a hearng in arbitration. Any arbitration hearing that you atend in pexaon will take place at a location In the federal judicial district that Includes your lest known biMng address oratsome ogler place upon which you and we agree Youorwe may be represented by counsel. If you or we request the arbitrator will donor clams of privilege recogniaed undw applicable law and will use best efforts to proled cooldex6al bdomatmx (Including through to use d probaft odes). The arbitrator will make any award In writing and, at N ft* request of eltrer party, will provide a wdt[ax statement of reasons for the award. Cats. The Party nigatng ardbatorr will pay to Initial film fee. You may seek a waktiv at the initial fang In or any of the Admdnistalofs other lees (collectivey,'Adminisbatiors Fees') under arty applicable rubs of the Adminhirafor. If you seek, but do riot quelgy for, a walver, we will onside any wdtbn request by you for us to pay or reimburse you for all or part of the AdmWCdretors Fees. We oho wM Pay or reimbU= you for a9 a partof geAdmi istir"s Fees 9 the arbitrator delerranes tam B good reason for us b do so. We will pay any fees and Costs we are required to Pay by low. Ogerwbe, and except as provided In I% Agreement you and we will beer all of ow respective fees and casts (Including the Admnhstreb(s fees and the less and Costs Mk ft to adbmeys, experls, and wkmeesea), regardless of who prevails. Allocation of lees aril CM relating b appeals n arbitration will be t"led in the same manner. No Consolidation or Joinder of Parties. The arbitration of any Claim must proceed on an ndivkkW basis, even I the Clain has been asserted In a court as a class action, private atiomiey gehaa action, or otter rnpreeenetve or collective action. Unless all pages content neither you nor we may )on, consolidate, or otherwise long Claim related to two or mote amounts, indviduab, or amount holders in the same arbilrabfom Also, unless all parties consent neither you nor we may pursue a class acgork, private altarey general action, or COW representative or Collective action In arbitration. nor may you or we pursue such act= in Coat t any Paty has elected arbitration. You will not he" the right to ad as a class representative or participate as a member of a class of dahenls with respect b any Clain as to which arbitration has been elected. Judgment, Emforanent. Fkmft, and Appeal. Tie afbftWs decision will be final and binding ale fifteen days unless you or we seek an appeal of the awed by making a wrtinn request to Ile Administrator. The appeal panel which will Consist of three arbitrators, will consider all factual and legal Issues anew, will conduct the appeal in the same manner as the inel arbitration, and will make decisions based on the vote of the majority. The panels decision wM be line[ and binding. Any teal decision of the arbitrator or of the appeal panel is subject to judicial review any as set lorth under the FAA. An award In arbitration will be enforceable under the FAA by any court having jurisdiction. MbcWknsoua, Watvar, Sasrablfily, Surd. if you or we do not elect adxlinton or odwalike enforce tide Arbitration Provision In connection with any padialar Clain, you or we wig not wave any rights to require arbibadan In ocr recgon with that or any other Claim. This Arbitration Provision shag survive, () suspension, termination, revocation, Closure, or charges of this Agreement your account and your n*ftW lip with us; m the baNuuptcy or isolvency of any party; and (g) any transfer d your account or any amounts owed on your account to any Other pair an or engty. If any portion of this Arbitration Provision 1s deemed invalid or uwicraeble, the remaining potyore of this Ardbalbn Provision shag neveNSleas ashen vatd and n force. In tie event of a conk t or nCorsisirrnCy haiwaah tits Ardbagon Provision and the ogler provisions of this Agreement or any prior agreement this Arbitration Pm*iol shag govern. a E02 Capital One Services, Inc. Capital One is a federally registered service mark. At rights reseNed. Exhibit B 696805 l on your auto insurance. bang for your insurance buck. with all the money you could save. Call to get our best prices on auto insurance. Answer Financial's+ rate comparison service is fast, simple and FREE to use. 1-877-886-9111 PLATINUM MASTERCARD ACCOUNT AUG 24 - SEP23, 2006 5176-0523-6839-9016 Page 1 of 1 Accouter Stmemstry Previous Balance $14146.71 Payments, Credits and Adjustments $44.00 Transactions $106.19 f mmce Charges $19.25 New Balance $1,22&15 Minimum Amount Due $36.00 Payment Due Date October 23, 2006 Tod Credit Lime $1,250 Tod Available Credit $21.85 Credit Line for Cash $1,250 Available Credit for Cash $21.85 At your wrvicc To call Cwromer Rdaboos a to report a lac or emlm =L- 1-800-903-3637 Send Pgmmto m: Send irupidee to; Am, Remitmnm Prom ing Capid One Bank C.piW One P.O. Sea 70884 P.dd Baer 30265 Chsdotte, NC 28272-0864 SLC, UT 84130-0285 important Account ]nfonmetion Beginning October to, 2006, based on yew account wtivny you may be anened more than two lacy overlimiy err returned check fees that occur during any billing period. Payments, Credip and Adjusttnonts 1 20 SEP Cap 1 ElectronkMnePmt AuthDatc 20-SEP $44.00- Transactions 2 24 AUG MONMOBIL75 04209722 CAMP HIL PA $11.00 3 24 AUG EXXONMOBIL75 04209722 CAMP HIL PA 4.67 4 25 AUG AWPRIVACYMATTERS 800-436-0817 CT 16.95 5 06 SEP HESS 38285 CAMP HILL PA 14.77 6 06 SEP WEIS MARKETS #125 SSHD CAMP HILL PA 11.58 7 06 SEP GULLIFIY S CAMP HILL PA 8.75 8 10 SEP GULLIFIY S CAMP HILL PA 11.00 9 13 SEP EXXONMOBIL75 04546(39 MECHANIC PA 8.52 10 14 SEP GULLIFIY S CAMP HILL PA 8.75 11 20 SEP PAY-BY-PHONE FEE 10.00 NOTICE: Look for a new statement design for yon Capital One credit card beginamg neat moudL A summary of the key changes will be Provided with yam new statement Finance Charges Pkwem rerwil,tafq ja iap etaxr in,)6nnation Balwa roe Perilim C w8 .pfradfo rW PR PURCHASES $1,214.98 .0511ap 18.6591 SOX CASH too .064799<P 23.6591 1.00 ANNUAL PERCENTAGE RATE applied this period 18.65% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052368399016 23 1228150044000036003 Flrarrprrrreawilmg addrar mrd/w r-wa,7rAocgrr kfow wwg6lw ordJsE i,rk New Balance $1,228.15 Mini mum Amount Due $36.00 scat Apr. s Payment Due Date October 23, 2006 Cur Sttee ZdP Tod enclosed $ Home Phone Aln-w Phoa A omurNumber. 5178-0523-6639-9016 &nailAddrea #9026736132250481# MAIL ID NUMBER Capital One Bank KELLY COY P.O. Box 70884 lilt rrtr1e11rlm11n1 m ere: 36 VILLAGE CT Charlotte, NC 28272-0884 MBCHANICSBURG PA 17050-9166 Ilife 11re1sell IIIrloll ilIIInt111 111611relelife rletleei6ull LrslUersllleerJJ,IIrsrLLrsssllsllssrlleessllesllssslled Place toriteyow atmanr nwnbar on yow4Wrk or money order made payable to Capital One Bank and mail in rbe endwed envdope. Take advantage of this special, free service to shop, and compare our best prices for your auto insurance. Call 1-877-886-9111 today to see how much you could save. Or visit www.capitalone.com/insurance +Answer Financial01 is a program of, and insurance services are offered through the licensed Insurance agency affiliates of Answer Financial" Inc., insurance Answer Centel' Inc. (California License No. OB99714), Answer Center Insurance Agency, Inc. and through other affiliates. Answer Financial is not an Insurance company. Insurance plans and services are from Insurance companies and other licensed related Insurance providers. Not all products available in all states. Rates subject to change. By responding to this offer you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital Onee customer. Answer Financial Inc. Is sofety responsible for this offer and is not affiliated with Capital One. Capital One does not provide, endorse or guaranies any third-party product or service shown here. Insurance products are not deposits or other obligations of, or guaranteed by Capital One or an affiliate of Capital One and are not insured by the FDIC or any other United States agency or Capital One. Your decision to purchase Insurance and your choice of an insurer or agent will not affect your eligibility for any Capital One product or service. Capital One is a federally registered service mark. All rights reserved. zee t_ sew ear 8 o i Ot 1. How To Avetl A Fines pry. eras Pant race eriod of 1-m You vM he" .rrhHr- pmodr1co4cc rats. To obtain the average daily bWnce for do ili n nod covered b b ma ke th e statement ws t yob NOM n if it hoe Wady been doad. tar saampb, ou lhwl d a fro me irn d w ff . g p . d 25 or ha y a e gWP b p ch an y au se m a rt v P=- I purc er v "new n on no ses, nmv Oliver bdarhm trar(as, nw rye pu bm ' ' g n ea pn varwctwor to each sesM and at" any paynwn• ? n seam IrbeanWavd, yaw semenwibe op, nd, - clwgaa you pay give terd New Baleares , in if a m MA h1 tnerN oabw 01fallt Notice for a t credits. Of to cods N t hM ype1n on tM prone o m m to Ce RNe A lied rw also amount of the dvrg?_t i Is added to year account, ft i a ve N1i b r and f e ef N tw p , p y nd in h W tints it to be and stafwnws ter to aeUtb bY yOt n s rAw pp I rit t y u paid d .nor dew d In cry .. balance s p i yln o t gi e M for your s s for you dp ecant, the, he M Cervi draN b , posing alas. Than is no gam perod n - cosh a&- and ood tfaeTSls them I. no Rote edod I" addiWn of ce olly balance of each gnaw.l TN• divas - w tlh ithe daAY aarhoa of and, h e m men Than vw add t A the dNy balances for each to e:0 to be oMgq, w tho wan pamttted by taw, unit V. bo aa:aatt bir e M d In M as d been fin d w , , p on arty lrarracdwh if you do not pay tlr total `New bN ' g . , p a.yhhart Tw dr billing podcd Ord divide by ft awl b f d b ii d TWO i t i h i pa a ve. K s e e 7. Using Yw Aooaat.Your cord or exam caret be ki i li arhm. b. Aoanirg Fi mee Grays. Transactions which are rot num er o ays r m per . ves us t o o g e n a d* balance of each a on rt•R gamb ng a n connection MN any trarsaco"' ahL(sd p • Warm pallid are eseaaad }kiarim drrye 1) 3. Arnwl 7Newtage aatw IMaI. e. Ilotlo• Absr! 13-0-1, rdv.ak lbrwaabrr. When You tram dhe rats N tle traracalm w 2) front tls dsq iM a. The teen '=P e'm'tps Fop' may appear as provide a check r psywm, you atdedza w aWner to lrasadion is pnocwssd b your Acmtat a 3) from tle 'APR' o of this aatahhhem. hw.formWn from yaw clheck to make a ors-done Area calendar day of de cram booty perod AdddaWly, b. If the cods P tassel, L t3+ LIBORI, C (O"fimn of oleatne kid transfer boon your bank account or to ii dd not pay ant .New Bslahm from the pr.vian DapowJ. « S IBaireard Prime) appears on to from of process tM payrnerx a a deck traascgon. Wlr.n eve pkrp period in fW, flmrvice charges coirhlA W accrue to id b l d! th id b a id i ha Uhi• sta•nnsrt mod to dr I+erlodc meta 1M d nt d ANIihAL MAW RA use hfamatfon from W deck W make an shmrWc d b A year upa o rhm un e unpa a mee a pa n : title means the you nayy all owe Mwrco durya wen if mrtsspar np ra an TES may vary Qaroerfl' rod may increase or dsaaa based had traMer, ha . ray e v t dre- from your bank axaan as awn n the same d.V vve receive yyooww , you pay the e,abv Nm BNarrm irrdmaed ah 1ha Trot of on the stated Ir Ulm as fwd in The Wag Sbea payment and you qi1 rot -.I- your deck bask from yaw trax-M by the rod subrrers ck '- date, but rid d f i , Jpw?* pia cis margin geNaralY dedoead to Yw AN f , yW fiharhdd knilulian. not o a a are previous marsh. Unpa d irwnce cho rges an added to IM applicabb esgmm of yW A,cow ", TheodhM1?a v tlw irk day of yar be s ft d on mWg pMIOd peeve by year perod. aatenaa en mi; BILLING RIMITS SUMMARY tc. -dY fatarso Raayw For sods Warp period that *dmu atx t h to a ina e ds e • if tlr mattlr Jarary, AorrI, JW ad OcWbor. c If dr de D prir F (p LIiONf G (3 l (h Case Of Errors Or Qundone Abpa Your Bi) It hi k ball i N d rg , n n yw ou n tad FTN4NCE of 40 50 v N be imposed If do . ro r orno. . or -MO. UBOR IMpiceA Mond" )me an the font of you you t more n yar s vwon% w you nee hfomwdon on a tmeadion or bill vMw to w On a . . tool Anrrx drarpe raww/sn0 hom tits apieatbn f statement nos to ads) 1M Deriodc roan , aperatia ~ as soon so poa - * a the address for 4r perbdc rae(a is nee /M DO B0, ne Nil aLeaet that andw?pp?rq L P(ACpIfAOE it T cosy kgAtw Om- o do hors of d.• a temem We mum am-9 from the $0.50 mkimun and oho 6(hroros Nil be vary niassy and may Ihr or docraae based o the hear from you no Isar than BO day% after m we you the Mad to the tNacton as?lwt or scsblAnL d T org Rsd aaa i re ve th Fln fa . W C acted inhdims, a bud. Tor Win $&.W Joand, plea m . iaM l d Tf f d dis irk bill n vAidh dra error or problem appeared You can ll C l R tl b b d i ill . ent/ y s n awe rerp , e ser e t dyM to rot apses any of all (norm charges for cry given rs arg pm to you. nw O y c ose M1, be eeacdve odes &a day of Wu biting period err uwrrNr a er, ca e «n mm ut ng to w na o preserve your byes. In yw letter, give rs to following Wang each mass. nforadom vow home, and scow" mmbw, the doAar 2. AvaOye Balance IYvddirY New ymrNr..e•1. 4. As.easmat a Lab. Overlook: MW Rsiarrsd Payrraam Fes. a. Firrartce dirge is cakdos da Your scwrst M be massed no more it= two Of 1M fen below of each sar-A W you acoout bag., Rated hem that icQ(r dung ay big pedal Under the ff advance, ptadsas, special tmrsar, nd pedal ptlydwsl tams of yw pwamOr Ogiesr.144 we MOMM the right m by the daily periodic mW* that hso ban io you. At the end of each day d"kq lwWMWY wWw or not W ease., cry lase Mtlrw prior notiicatlon to wmwa waiNrq our rids to seasn the same or similar en aN o OaW a psy de parts of you Wg dut aN rqt - to biq Dwird, va apply its dial pafodc raw for :h aynert of year awws to IM rbol of each a a jams tlrm. S. Yw Aaawi If a roe d mbp fee n gredlar. ws mrabpas year we eaygt report gist as depnghst a tens ay to cdlpx the "prem. Than a the and a dos bl =' sea add yr cis salts of dose dailcdaJatlal• to arrive at year =m o dr from of No aatahant, you hove 30 Jaye than the deb dies aaeeaint was nailed to you to amass you QAMIOM period. once dsrg• for each seynan. W. add rp tM Ovoid paykq ins M «b how ash M Omitted a you 4,t Special Mdo For Cndt Card R cheeses IMbm from such sopham to arrive at cis Wool periodic if you motel yw now". Dutng this period, you hay inwwe largo fur your account. To trer the dolly balance Ne take the bgnnkp for each segs M W your account cirtktw to pace vow stoat without hagrg W pay the MWA-01111) M. To "noel yw aomm you neat if yM how a pmbhro vvin the gLsdhy of prpwy w , balance for each sspnws rd add any new trrapdas nary w by col" w ttma FAladons Wprorem ' Mse idn. fah, to mhwie?ctsdr M card and V KdAwn ? M and arty parodic, (t astes daergo cdplaed on tM WOW- days balance for 0M sooners. We den abbact and M ear khw Balance in iw t xakdrg the menrba.Fip ha Prior a tls ad of de tNSy-0day period r?p?. You may have the ' onsommo r ce? u ve payments «cnmdita japed se of dst dry that are albcabd . 8. N Ym Cbso Yw Aeomi you can request to doss MM K dos on th e o sert Yo ha m protection ?yy yAM meppp? pipe was 11101e gthe W tMt ayrwm. This give w do operate daffy Wpuondes for d t u zaccourt by caing w astarlsr Raidaa mnwc Yo uFt d w dit ? 460.(x1 and then Durdne'e Nees made kh give hams arts a Balrhm an -m y pmviots sateen altwIn il (w u m on cre ca eel Vo lawn sco cl all raudwdz ed b" ?gg address. Of vve own or poi 10 n of V 0 if vow new holOnm was zero or a cmdt once, new tnmeGtlau which Poa t; your pundsse or Weds , , and =z.-%.W t yrav do ant carrcN preana wnwn• va vAi consider m i the edve crop for 1M property w aeMm•, all padraa p+ ere etgmenb we not added to the diy belarwe. We all l s t th b b ddi M g , recite of a dory. your adnMabm tono reopen Yyve AQAti i l h d l b are pleas r m mber1Ow't qhf ammim or location . of purchase.) e camps t ance he y y a ng a y a bda om togadsr end dividin ties can b dr runber of scwe y, yw acman m on e c not ew trM you a M mama ou lye w i ckK% m g y the day.in to arras baling cyd.. To calalaa your total p y y M y trareactwns yM hove aslwdzed, finance surges, past t tbas not *A* to cirraurrer mrM-cndR card sccanra icon chow, year avenge dale Wlarhm tlhe daffy c is end the sambas of days in Uh. L U f a d d i a b b d Ake hoe, oyeAmit era, rained par"em era, cash advahm has std any Otis( leso aae.asod p you Y Whb d t d t Lba not apply to biuineas rwrxreJA cad aCCilelh per or e raa rq n a O y Oa , rn maY s a aid" ariance felwmn tlmia eNwatlon rod tM snout of e i ci N A d actetrs. ou we mWa for Nas amams N w hor nary appear ah you swans a the tkm you to d tl k d On supports hfNmetion a privacy Phuxtion: see w at www can srp nahm ac a Y asaasss b If des Dods Z a N ap an an dhs nom of INe .upmenh oas r acwue or dry m wre stbse qj" to ve rs " to dove dr pcant This ma reap in . . CWitd Orle is a federelly registered service mark of capital . p row ta "BNasa RNs Al"l"ied 70,' ws mrldpty cis gi q . y dhhvgea appearing o give stew" after you hove One Fksroi.1 Corp«adn. Al right. reserved. a 2003 closed or the moligning Mrs, one OILGLBAx „Yrp? rt?NMSSdo• you mail W u. will ?redtW W gips axon[ a of cis bu.keas riy wen remise k, DmvidOd (1) you send tls baton DOnion a this lnrtanat and your drdk •nMape and (YI give yman ie recaved. w mrrbr by 3 P•m. ET (12 con Pfd. PMw OAOw a sat Avs flit bhatnse dsyr f« poaN very pM.ym«a rscdved M w a cry oct?Mar bastion w mrpaay ants farm may not cnadbd a of de MY wen necdvs tMm. Qr bukhso. davo .r. Mahdry llrrouda Sabrday, ezcludirq?holMeye. accoun f« tM a? of tlh?dhpk 1'ha rWgr¢Patlandnq ps Whn yyoogiy sad rw O dseWSl, you audnhizm is W make a ashlars Narxroic tensor 0•bit tram Yoe beak m to mob a dharge against your lank about wig tho a PaPerdmaekanramived ? tM Wang eYOfe wan ff nrK by pmewr rise. If ws earvhot proce•e Uhe ennshr, you autlrria First 3 months halt-price I 4 97 a month; 4i0.95Jmo. thereafter SIGN UP TODJM 1877-7781207 Mention Offer Code: AMBER or visit www.peoplepc.corri/go/amber peoplep® online 18 u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half-price for the first 3 months! V Email Maus Protection I5 Pop-Up EllockerTM Spam Controls Smart Dialer Phistw Security Internet Call Waiting FINANCE Previous Balance Payments 8 Credits CHARGE Transactions N. Balance Wriftnum Payment Due Data $1,228.15 - $40.00 + $60.46 + $1,719.05 = $2,967.66 $89.00 Nov. 23, 2006 Sep. 24, 2006 - Oct. 23, 2006 Page 1 of 1 PLEASE PA' AT VAST THIS AMOIRJT MasterCard Platinum Account 517b052346a39.9016 Your Account Information TOTAL CREDIT LINE $3,750.00 TOTAL AVAILABLE CREDIT $782.34 CREDIT LINE FOR CASH $3,750.00 AVAILABLE CREDIT FOR CASH $782.34 Finance Charges (Please see reverse for important information) Balancerate Periodic Comesoon?ng FINANCE applied to rate APPRR CHARGE Purchases $1,702.90 0.05178% P 18.90% $26.45 Cash $509.66 0.06548% P 23.90% $10.01 ANNUAL PERCENTAGE RATE applied this period: 28.99% At Your Service 14MO03.3637 To al Customer Relations or to report a bat or slow card 0 Send payments to: Capital One Bank • P.O. Box 70884 • Charlotte, NC 28272.0884 Send Inquiries to: Capital One -P.O. Box 30285 • Salt Lake City, UT 84130-0285 Pa yments, Credits 8 Adlustments 1 09 OCT PAYMENT RECEIVED - THANK YOU $40.0D- Transactions 2 26SEP AP9'PRIVACYMATTERS800436-0817 CT $16.95 3 Ot OCT EXXONMOBIL75 04209019 CAMP HIL PA $9.53 4 02 OCT VALLEY FORGE SCANTICON KING OF PRUSS PA $259.68 5 02 OCT SIERRA MADRE CAMP HILL PA $9.50 6 03 OCT GREASE MONKEY 351 CAMP HILL PA $35.50 7 03 OCT HESS 38285 CAMP HILL PA $11.49 8 03 OCT HESS 38285 CAMP HILL PA $24.72 9 05 OCT COMMUNITYBANKS-CAMP HI CAMP HILL PA $800.00 10 06 OCT FANTASTIC SAMS - CAMP CAMP HILL PA $77.95 11 06 OCT SIERRA MADRE CAMP HILL PA $9.50 12 09 OCT CASH FRONT END FEE FINANCE CHARGE $24.00 13 12 OCT WESTY BEER DIST INC CAMP HILL PA $26.49 14 13 OCT BUYMEDSOUICK 661-262-5756 OK $23.95 15 14 OCT GUITAR CENTER 8854 HARRISBURG PA $226.80 16 15 OCT CVS PHARMACY #2321003 ENOLA PA $144.99 17 17 OCT GIANT FOOD STORES #253 ENOLA PA $42.00 6056 506 1 7 23 061023 PAGE 1 of 1 COLR233A OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052368399016 23 2967660040000089004 'sinyourwaBet7' what Account Number: 5178-0523-6839-9016 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. $2,967.66 $89.00 Nov. 23, 2006 Address PLEASE PAY AT LEAST THIS AMOUNT Nome Phone Ahemate Phone E-mail address a Amount Enclosed •9029736132250466• MAIL ID NUMBER KELLY COY 36 VILLAGE CT Capital One Bank rlrslrrllssrlrllrrrl MECHANICSBURG, PA 170 50-9166 P-o- Box 70664 II 1111 IsIA11111111111INBeIIInfIII IIII I IIII III IIIIIIIIIIfI Charlotte, NC 26272-0664 IIEltlir111111rllrrtlrrlrlllrrrlfill lrslrflrrllr11111111111oll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. peoplepc® online A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAVI 1-877-7784207 Mention 01fer Code: AMBER or visit wwwpeoplepc.com/golamber PeoplePC is solely responsible for fide fifes and is rot affiliated with Capital One. Capital One does not pitwide, endorse or guarantee, and is not affiliated with, any product or seNce shown here. Any trademarks mentioned herein are solely owned by the ntspectise enttX AN rights reserved. By responding to this offer you may be commu(iccatng information about yourself to the company that provides this product - for example, that you are a Capital One customec 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter Offer avalable to now dial-up subscribers at least 18 years of age and may not be redeemed with any ota offer Offer subject to charge at any time. Phone technical support available for $1,95 per minute. For questions, call tol flee at 1-877-778-1287. Service not available in all areas. Access lees, taxes, and other fees and restrictions may apply Telephone toll charges may apply, even daring trial periods, `bu are responsible for determining whether a call to one of our access numbers will result in telephone toll chaW Access may be limited, especially during tines of peak usage. Dial-up numbers may be changed at PeoplelpC8 discretion. Continuous use subject to finnectut procedures. All use Is subject to PscplePC Onlineb Services Agreement and Acceptable Use Policy 56K is the maximum speed of service; actual speed may vary 0 2006 PeoplePC Inc. Al Flights Reserved. PeoplePC Online and its logos are registered trademarks of PeopleFiC in the U.S. and other countries. 0 2086 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. 1. {fear to Avoid ¦ Flreren Charge. t a. Gina Period. You will haw a minimum pees PMod of 25 days without Rnalca charge on new purchases, new balance aanslere, rww.padai p mahn" and now other charges N you pay your bbl New Be~, In socordann with One Important Notice for psynah(s below, and In tkne for his be dedRed by your nind Statement closing date. The Is no par period on cash advances and gads b.aft . In addition. Mare is no pace period on any transaction If you do not pay One total 'New bNarhc.' b. Accruing Finance Charge. Transaction witch are not subled to a gran period amused finance charge 1) From the date of tie transaction or 2) from the date the transaction Is processed to yaw Account or 3) earn a* first calendar day of the amount blRg period. Additionally It you did net Pry 0.'N- Belsnn' Oran Ors previous billing Pedod in full, finance charges co dnee to accrue to Yom unpaid balance use the wpale balance is paid in fug. This means that you may ale olive aneees o wn"$. even If you Pay tins eatks New BaWhos Yrdkatad on tie hoe d yam statement by the nag alebmerd fleeing date. but rid not do a for the previous moan. urysid finance charges a added a the applicable segment of your Account t c. NFlmum Ft- Clays. For each being period that you account is subled to a finance saga, a minimum total FINANCE CHARGE of $0.50 will be imhpond T d. Temporary Reduction In Ft- Ch..". Vm mae,* ae right to not news any or all finance cheryn for any gken being period. 2. Avsaga Ody Balence pnckmNng Hon Purchamal. Finance char" is calculated by multiplying the daily balance of udd segment d your accuA (e.g., dash od.me, purchase, WKW Water. and special prdwas) by in. corresphxdbhg deity parioac new(.) that has been pevhcusty disclosed le you. At the and (-.h day during the being period, we apply One deity periodic rare for each segment of your account to the dally balance of each segment. Than at the and of the rig perlod, war add up the results of tae dry alatatlas lo rriw at your periodic finance charge for 6" npmarA ws so up the souse from each segme m to arrtw at "Use prladt esfhce dharge for your aoccuhc To gat the dally balance for each sagmont of Your socohahL we MM to bsginkhg balance Par each Segment and add any, now, lerrdio s and my peraft trlance dwpr celataild on the prawlous days balance for that satinet We ten subtract any PMrau or credits pealed as of 0* dry the a located to tart segment This own w IN apamcetlaly balance foreedh sewn e m Of your account. However. N you pad the New Billerica shown on your previous statema In full (or N your now balanhce wee zero or a audit amours), new transactions, which post to your pudase or paid purchase segments we not added to the dally bWrmee. We calculate tie average dally balance by adrig as the dally essences kVad- and divIft the sum by One number of the days in the content Wing cycle. To catculde your total finance chan^ multiply your average dally be&- by the dally pedodic rate and by the number of days in the bMng period. Due to resdl g on a dally basis or due to mkmnum finance clogs assessment' Mom may be a verknm between Mle calculation and the amount Of finance char" actually asseand. 3. Annual Percentage Rata. (APR} a. The amh 'Annul Powdege RsW may appear as "APR" on tie front a Mle ataanem. b. If tls cols P (Ouarefy Ptne), L (Owrtery LIBOR), C (Quarterly 00), aS (BarYrcard Prime) appears on to cant of this statement next to the WkWic mro(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very qua" and may kmxsees ordsoma baud on One Whet i dices, as font in The 1Mn asset Jcumd, pk a Me margin prewtousyderJaaed to you. Than loon cam be selective on she filet day or your bMlp period covered by Yar Periodic statement ardkg In the mantle of January, April, July and October. c. If the code D (Alonthty Prins), F (Monthly 1.150R), or 0 (TmaNay LIBOR) appears on t from of your statement not to tlN Perlodic rate(s), the periodic raise and corresponding ANNUAL PERCENTAGE RATES may very monthly and nay Mraese or decrease teed on Me stated Indices, as found In The Well Bout Jountal, plus aka margin Previously dkdceed to you. Them changes will be seaceve on to flint day oryour bikkg penal each monM. 4. Assessment of Late, Ovagmk and Renamed Payment Fan. Under rte term of your customer agreement, we reserve the right to who or not to &SUN any fen without prf or ndl&awon so you without walvng our right ta nuts the am" or skngar(on eta afsrtme. t 5. Renewing Van AccaunL If a membership fn appears on the front of your statement, you have 30 drys from One dare this statement was mailed to you he avoid paying the cue or to have such in coedited to you if you cancel your sccoaa without haft to pay Ile membership fee. To cared your accent. you must noty us by calling our Customs Relations Department arid pay your *N&W asanoe' In fug ( ..%A rg the membership fee) prior to tine and of the thirty-dry period. 8. N Veu Clues Your Aaeow L You can request to does your account by calling our Customer Relations Depammaht. YOU must destroy Your cradt card(s) and account scow Cherie, camel d penMalzed being and on" using your account After your request a don, it you ocrtlYWe to instead a do not cancel preauthorized blsng amengamenla, we veal damdr rmdpl of* sags your autlerlaYWh he keep your acted open. Additionally, your scrum will not be dosed until you pay al amounts you owe us Inching: any trannctions you he" authorized. Rance charges, past des fen, ov"Mit fees, returned payment fm, cash advance lees and myother fm aa.sasad to your acounL Yon are reporabs for tune amoune whether trey appear on your amount M the area you request to don tie account or they am Incurred subsequent to your request a dose the accent. This may result in Charges appearing on your account elver you have requested tie account An be dosed. 7. Using Vow Account. Your card or account cannot be Lead in oonnachon with any Internet gambling seneclons. 8. Notice About Electronic Check Conwralom When you KWAde a check se Payment You adhorhe w althea to use information from your check to make a cn.-bnhs dacoonk: had iranerar from your beck account or b Procne the payment as a check transaction. when we use nlefmatlon hen you check to marks an electronic had bander, funds may be wadrewn from your bank satum as soon ee to same day we race. Your peymert, and you war not mocw your chock beck from your financial Institution. BILLING RIGHTS SLMAARY On Can of Emom or Questions about Your as) N you thk* your bill is wrorg, or If you need more Information on a Imn-ction or bY. wake to w on a "plats shut as soon a possible at Oe address for inquiries shown on the front of the Wtamant we cwt hear from you no later than 00 days after we earn you the and bit on which the error a problem appealed. You can cas our Customer Relations number, but daft to will not prasarre your rights. In your alter aim w the folowig Wormalow: your name and accent number, a* dollar amount of the suspected error, a description of the error and an eapan.Ikm, If posakla, of why you believe team le an error: or N you need more information, a description of the item You are u more about You do not have to pay any amount in quutron while we am h.atigalkg f, but you a still obligated to pay the parts of your bit that are not In question. While we bWntlgW your question, we Linnet report you as dakncuem or aka any saw to to 111 amount you question. 3. t Special Puts for Credit Card Purchases N you hew a problem with the quality of properly or services that you purchased with a cmdh card and you hew Mae In good faith to =red the problem with the nmdm* you may hM the 69M not to pay the ramWnkg amount due on the Property or servhca. You have ate promotion only when the purchase pica was moo then $50.00 and am p rcheee can Awls In your hone late or within 100 miles of your missing address. Of we own or operate the merchent. or if we mailed you the ad.fisanam for the property or services, all plarAnee w covered regardless of amount or location of pmchm.) Preen remember to soh all correspondents. t ones not apply b conaumer no odt card a-awn t Does not apply b budnn ron-credif card accounts CApnat One supports information privacy protection: see our waWlteat ?. Capital One is a adarsy regisared service mark of Capital One Financial Capomdon. All rights leearved. O 2003 Capital One TC-W 01 BC6058.8.12121108 importedNat": Payments you nosbuwMbepeeledtoyou.mouerdthe W&k deywar Bodek. Prowled (1) you sandthe bdka Pole dda s%Wrea ad yoschek b to aorasad nmaanca anrabp and (2) yse Per"d is mollred In our Protecting cents by 3 PA. ET (12 nom Pt.} PI.M.1W at Wst to (5) UM-days A. POW derwdy. Pgmmb mantle byu a ahyothe Wagon or h slyontolonemaynorbarb i I ndlw tlgnoshaceee Mm.Ourdahssdgsammccey Ma,gh Bakaday,aWdhghoWys. Para dond 11140 SO, Payer cps, ark. Whim preps" your pgmes When you sate 0a dwd(s), you sull abe u In MW a a"- eladrante kalskrdebt han your book account for On asuw of ft deCx This aalaCWon pplkak all darks mcehad owing ft bang tPa am lead Dysoneem W. gee on* poem the trasfar, you We ass, to to meke s chap apart your bee saount wing the check a paper done or other m. It $ 97 a mordh; $9.95/mo. thereaner• SIGN UP TODAY! 1-877-7784207 Mention Offer Code: QUARTZ or visit www.peoplepc.com/go/quartz 500016 peoplepce 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 monthsl 1151 Email Virus Protection ® Pop-Up BlockerTM 111!? Spam Controls ?i Smart Dialer Jar Phisher Security Internet Call Waiting FINANCE Previous Balance Payments 6 Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,967.66 - $90.00 + $61.57 + $492.73 X$3,431.96 $102.00 Dec. 23, 2006 r>. Oct. 24, 2006 - Nov. 24, 2006 Page 1 of 1 nEASE PAY AT WM THIS AMOUNT MasterCard Platinum Account 51784523.6838.9018 Your Account Information TOTAL CREDIT LINE $3,750.00 TOTAL AVAILABLE CREDIT $318.04 CREDIT LINE FOR CASH $3,750.00 AVAILABLE CREDIT FOR CASH $31104 Finance Charges (Please see reverse for important information) Balan ,?? Periodic Corresponding CHARGE appl Purchases $2,300.74 0.05178% P 16.90% $38.12 Cash $880.59 0.06548% P 23.90% $18.45 ANNUAL PERCENTAGE RATE applied this period: 23.80% ® Al Your Service 1-800.903.3037 To call customer Retail" a to report a lost or stolen card 0 Sand payments to: Capital One Bank • P.O. Box 70884 • Charlotte, NC 28272-0884 Send Inquirles to: Capital One • P.O. Box 30285 - Sell Lake City, UT 84130-0285 Payments, Credits 3 Adjustments 1 24 NOV PAYMENT $90.00- Transactions 2 23 OCT WESTY BEER DIST INC CAMP HILL PA $27.97 3 23 OCT HAIR CUTTERY 03126 ENOLA PA $15.00 4 24 OCT AP9'PRIVACYMATTERS 800436.0817 CT $16.95 5 26 OCT 09999990002171/3RD 6 HUMM LEMOYNE PA $61.50 6 26 OCT EXXONMOBIL75 04202019 MORGANTO PA $15.00 7 27 OCT CASH FRONT END FEE FINANCE CHARGE $5.00 8 12 NOV HESS 38285 CAMP HILL PA $8.42 9 12 NOV HESS 38285 CAMP HILL PA $23.09 10 20 NOV WINE 6 SPIRITS #2109 CAMP HILL PA $34.96 11 20 NOV FYE CAPITAL CITY 1538 CAMP HILL PA $66.74 12 20 NOV HOUSE OF CARDS CAMP HILL PA $74.67 13 21 NOV GIANT FOOD #269 CAMP HILL PA $57.81 14 21 NOV GIANT FOOD #269 CAMP HILL PA $4.38 15 21 NOV CHILI'S OR12SM12849 HANOVER PA $2724 16 24 NOV CAPITAL ONE MEMBER FEE $59.00 6056 506 1 7 23 061124 PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052368399016 23 3431960090000102006 CaplfalQrje I what's in yourwalktY Account Number: 5178-0523-6839-9016 New Balance Minimum Payment Due Date C$3,431.96 $102.00 Dec. 23, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank rlulnl?ulElrlurl P.O. Box 70664 Charlotte, NC 26272-0664 In1rlin ...1.11ur11niru?relu??ar?? 1 / First 3 months half-price Please print address or phone number changes below using blue or black ink. Address Home Phone Afternate Phone Email address •40329361322504698 MAIL ID NUMBER KELLY COY 36 VILLAGE CT MECHANICSBURG, PA 37050-4166 nrlllnrlllnnlrlrllurlrlrunllrllarllnullnllnrllu Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. peoplepc® online u A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAIR 1-877-7784207 Mention Offer Code: QUARTZ or visit www.peoplepc.conVgo/quartz PeopePC Is not affiliated with Capital One and Capital One does not provide, endorse, nor guarantee and is not table for any product or service shown here. Any trademarks mentioned herein am solely owned by the respective entity. All rights reserved. By responding to this o* you may be oommuricating L Pofnmt)on about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are b1W at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll tree at 1-877-778-1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers YI16 ract in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeopWVs discretion. Continuous use subject to t meout procedures. All use is subject to PeoplePC Orelnek Ser&M Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. C 2006 PecplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplaK in the U.S. and other countries. C 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 1. Hoar av Meld • Financa Chage. t s. Grace Period. You will haw a mkinwm grace Period of 25 days wthan finanho" charge on new Purtlhasss, new instance trendan, new apedal W rmiheaes and dhewoMe charges If you pay your total'Naw Issuance, In accordance wile the Important Noah for payments baba, and in tune for it to be c-Ud by your mad statement closing data. There Is --Once Period on cash advances and special kerhAems. in a Wimm' a- la rho grace pentad ah any transaction try.. do not pay the total 'New bean.' b. Accruing Finance Charge. Transactions v"ch are not sub)ect to a grace period am sawsed finance charge 1) from the data of On transaction or 2) from the date the transaction is Processed to your Accwnt or 3) from the fhb calendar day of the amen blimp period. Additionally, F you did not pay 0.'N- Bah-s' ft. the prWous baling paled in ha, anance cheges continue to acuum to your unpaid balance until tiha unpaid balance is paid in full. This neee get you may sta owe finance charges, even If you pay M entire New Balance ndkaoed on to from of your statement by *.,.A wtamant dosing data, but did not do eo for to previous month. Unpaid Mafia dwwgn are added to the applicable segment dyer Aowum. t a Mnlmu a Famines Charge. For each bai g period thou you account la aa)ect to a anrlpe drrye, a rttnimum total FINANCE CWIRGE of $0.50 will be Imposed. T d. Tampbryry Reduction In unanrm Chary". V% reserns the right b no asses any or aw finance charges for any gfwa, baling period. 2. Average DaNy BsWaoe pncluatq New Purchases). Fkwce tarps le alalaled by multiplying ft daily balance of each segment of your mocum tag., cash advance, purchase, specal trawler, and ape" purchase) by the rntsepo ding dally parbdko resale) that has wan previously disclosed to you. At ft and of each day during the bl11ng period, we apply the daily Periodic rata for each segment of your a=unt a ft dally balance of own asoment Than N to and of the bikg period, we add up to ratets of "ft daily calculations to wive at your panodw Mwaa chortle for each segment. Vita add up 010 mats horn each lament to ands at ore total Perhidio made charge for your account. To get the daily balance for each segnewn at yea aaarpnt. We take the WgRati g bWrrw for Olson paled as of that day that am allocated to tat segment. This ghes ua the separate raly balance for each segment of your account. However, If you Paw the New Balance shown on your prevloue statement in full (or if your new balance was zero or a omdit anoint), nor trarawcbre. which pat to your purdaas or special purchase aagmwta w not added to the daily balances. Ws aladue f average daily balance by adding es the daily balances together and dMidirg the am by the number of the days In the anent homing cycle. To calculate your total finance charge, muMPy your average daily Interco by ore their periodic rate and b, ton number of days In the bang period. out b rounding or daily be" or due to mknkuum trtenot charge a skate tan there may be a suntans between this celadntion and the amount of finance Uwgs i clualy Restated. a. The term -Annual Percentage Rate-"my appear as 'APR' on the runt of this statement. b. if the Cade P (Qua" Pdmet L (Ouasary LIBOR), G (Quarterly CD), or S (Brdwaml Prime) appears on the from of this satanwd next to tle periodic rag(s), the Periodic rates end mneapondng ANNUAL PERCENTAGE RATES may wry guarady ale may Irrrom or decrease Rued on to meted ncicae, as to nd in The oral Street Journal, Phis the margin previously disclosed b you. Tram Ganges wet be effective on rite Arai day of your Wtg Period covered by your prtbdld Statement ending In de monti of January, April. July and October. a If the code O (Monthly Prima), F (Monthly LIBOR), or G (O'easury LI80R) appears an der front of your statement nart to th periodic red(s). the pwWlc raise and corresponding ANNUAL PERCENTAGE RATES may wry monthly and may aweaas or decrease based on the shield Indio", ore found In The Wall Baeat Journal, plus the margin previously disclosed to you. These changes will be effective on der drat day of You billing period each month. 4. Asseasse nt of lea, OvwNmk ale lta ssmad Payment Faaa. Under ft terms of your Macaw Bgraaneht, wa reserve the right to -in or not to auras any in& without prior noUkstlon to you wthoul esivkg our righta anon the sameorstonerteas aoiat rtims. t S. ranpsoI Your Account. t a meorkership fee appears on the front of your aaaenr. you have 30 days from the data this Warsmast was mailed to you to avow paying tla fee or to have such tae oadted to you d you amen your account.0hae raving to pay the -*.ship ore. To cancel yoursooant you must notty us by aping our Customer Relations Department and pay your *New Batons' In afi (excluding the r amwrship fee) Prior b the and of the thirty-day period. 6. NYou Ciop YourAccomnt. You an request to does your account by calling our Customer Relations Department You must destroy your v.Aond(s) and account ears chador, cancel at pre'utloKad tiling and casse using your account. leer your ingest to dae, If you continue to transact or do no ancet presuNolzed being arrangements, we waI consider raodpt ea dugs your autadisdo, to keep your account open. /ddaoaly, your amuum will not be dosed unta you pry all amounts you owe us including; any tenaectant you hew IsAborLmd, finance dung", past due fees, oveditdt fan. rotund payment leas, ash advance fns and any otherIm assessed to yourecccum. Yeu am responsible for then amounts whether they appear on your account at the amt you request to dose the account or they are incurred subsequent to your request to down tlm account. This may rant In charges appearing on your accent after you haw requetad dta account to be dowel. 7. Using Your Account. Your card or account cannot be used in commotion with arty nemet gambling Ya rsediorIL 8. Node Abort Electronic Check Gaawrakan. VMW you Provide a cthack at PWn.K you audhorbe us ~ to use infoma8at from your check k, make a on"me electronic fund lanais from your bank scmum or to process the payment as a check transaction. Men we use Information from you tinsck to make an electronic led can ter, funds may be wadrawn lmm your bank account as noon as tie same day we receive your payment, and you will not recdw your check beck from your financial Instivilm. BILLING RIGHTS SUMMARY On Caere of Error or Oua lion s about Vow 8111 If you think your cis is vrora or If you need more information on a transaction or bil. write to us on a sepsrsta cheat M soon as possible at ore address for InoxMS shown on tlw front of this .kuknm We mum hear from you no Isar Vast e0 days after we earn you the fire bill on which the eno or problem appeared. You can cos our Cuslomar Relations number, but doing so wit not prsaerve your dow In your War, give us the fatowng kdonruson: your name and account number, to dollar amount of the suspected error a deaaiption of the emot amt an explanation, If possfola, dwhy youballeve tun Is on eno; a d you need mars nkanwtion, a description of to ksm you am uneure about Yur do not two to Pay any amount n quastion while we are Investigating s, but you are still obligated to Pay the par. of your bll OW are not In qt. adw. VVIVI. we investigate your question, we cannot report you as dak4uenr or take any action to doled as amount you question. $, t Special Rule for Credo Cant Purchases If you hew a problem with the quaay, of property or eenvlces that you pumhaasd with • aeda card ¦nd you Iwe tried In good fstth to comer de problem war the merdhe t, you may hew the right not to pay the re"" amount due on the Properly or servos. You have rob protection only when ft purchase Price was more than $80.10 and the purchase wan made In your home steld a wiatn 100 miles of your mailing address. Of we can or operate de merchant or a we mailed you the edvardiannent for the Property or services, as Wrists" are cowed regardless of amount or kpaaon of purchase.) Plasee remember to sign all comaspodance, t Does not apply to convener nonraedt card accounts t ones norep*lo Wdnew no cmcsl card accounts Capita One supports Information privwy protection: see our vmwme at Capital Oes is a federally registered service mark of Capital One Financial Corporation. At rights reserved. G 2006 Cepmal One 01SCOM-8.12121106 Imported Ness: Payments YOU nW b Was be created to your armnt a tae business day as roans R, petded (1) V. sodas bottom person dthis ae.nat and yourc adt in f eedoa"d renaWte wwehp" am (2) your papntat he nakad Is ao WWNOg oanbr by 3 per. ET (12 reon PT). Pketeabwat heat sn (5) DteMades arpma dalwry. Papraa /eaMed by us aayoaarburtiata In any after form may not be rrtlM oaf Is day as no" dawn. larbYWRM'R mVAn ry ssotgh Saturday, earadhp e10Rp. Plus der not sea sfspbs, pmlwd s,sicwhopraps")wParswnt Ween ya tad as pack(s), you alhodt us in aata a an•are ehedacn Washerdabkfrom you batso-W for ea waft of ft chock. This a11hptraan ppMtw as dada erabad ft" ft bang cyde even tac bywnsoaaaa. Rae camel paw. tis trndar, you aueake a to leas R dWp egad your bark &MM using tla da,* a papa dot orassr ken. SAVE HUNDREDS* when you shop around for your insurance. Insurance comPanies You could save $500 or more' on your auto insurance alone. Combine your auto and homeowners insurance and you could save an additional 15%. insurance GET UP TO 6 FREE QUOTES Answer from top carriers when you slop online. center, www.capitalone.com/inrkurance FINANCE Previous Balance Payments 8 Credits CHARGE $3,431.96 - $130.00 + $58.29 Nov. 25, 2006 - Dec. 23, 2006 Page 1 of 1 MasterCard Platinum Account 5178-0523.88399016 Your Account Information TOTAL CREDIT LINE $3,750.00 TOTAL AVAILABLE CREDIT $79.12 CREDIT LINE FOR CASH $3,750.00 AVAILABLE CREDIT FOR CASH $79.12 [Finance Charges (Please see reverse for important information) Balance rate Periodic Co ing FINANCE applied to rate R CHARGE rchases $2,771.97 0.05178%P 18.90% $41.62 sh $877.83 0.06548% P 23.90% $16.67 NNUAL PERCENTAGE RATE applied this period: 19.16% ® At Your Service 1.8099033837 To cab Customer Relations or to upon a bat or stolen card ® Send payments to: Capital One Bra • P.O. Box 70884 • Charlotte, NC 28272-M Send Inquiries to: Capital One • P.O. Box 30285 - Salt Lake City, UT 84130-0285 u E°?ima premim p atin9 Month anllnel _ BUY A ________ 8308- - 'A+ --'- 4369 _-"--'-"-'------- - Online! - B- ' O -- _ -"-'- --- - - 4386 - --. _ „ v online) B -- - A 839 7 ------------- ----- BW online! _ ___ 6 - A±__ 4410 ------------ ---- 0 O _ __A __ _____ l4I8 _ - _________-_ O ___ A++ _ !421 _ ______________ _ O $503 ------ BuY colt--- --- _ -- . g506 ------- _ -- BW Online! - ? 3579 5afeco lmurance Co. _ Deemrook lnsurance C-!t-!--------- _ ------------ ------------- Traveners -------------- UnVkrin Direct TheMart!ord --------------------- ----------- - -------------- ---- ---- - --- -ElaRnc _ ________ A1G Agency Auto ___---------------- P We- _______ ____. Esurance __- ---'-" _E?mpass - - - - - - -- Transactions New Balance Minimum Payment Due Date $310.63 = $3,670.88 $110.00 Jan. 23, 2007 MWE PAY AT LEAST THIS AMOUNT Payments. Credits 8 Adiustments 1 08 DEC PAYMENT $130.00- 2 24 NOV AP9'PRIVACYMATTERS 800.430.0817 CT $16.95 3 25 NOV COLLOTIA STORES INC-LE LEMOYNE PA $12.42 4 30 NOV FYE CAPITAL CITY 1538 CAMP HILL PA $165.20 5 30 NOV HOUSE OF CARDS CAMP HILL PA $36.58 6 30 NOV SBARRO ITALIAN EATERY CAMP HILL PA $24.01 7 30 NOV BATH 6 BODY WORKS 0507 CAMP HILL PA $45.05 8 02 DEC HESS 38285 CAMP HILL PA $8.42 As a valued Capital One customer, you are eligible to receive a free Year-End Summary for this spelt account that recaps your 2006 charges, provided your amount is in good standing and you have made bansac8als during the calendar year. Please call 1.800.214-4891 before February 28, 2807, to reserve your copy for this account 6056 506 1 7 23 061223 PAGE 1 of 2 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT r? 0 5178052368399016 23 3670880130000110008 t.lw I what's in yourwalkt7• New Balance Minimum Payment Due Date C$3,670.88 $110.00 Jan. 23, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Boz 70664 ?r?rr???rrrrr?r?rr??r? Charlotte, NC 26272-0664 1111111111111IIIIIIIIIIIII'II111fill IIIIIrllrI I111111IIIIIIIII Account Number: 5178-0523-6839-9016 Please pdnt address or phone number changes below using blue or black ink. Address Home Phone ARemate Phone E-mail address @ 09035636132250466• MAIL ID NUMBER KELLY COY 36 VILLAGE CT MECHANICSBURG, PA 17050-4166 ndllud?luu?dd?udr?uud?d?nd?nu??n?ludln Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. SHOP AND COMPARE and you could save $500 or more* off your auto insurance premiums. insurance • e CALL 1.877.886.9111 SAVE Eym MORE: or visit www.mp1talonexorn/insuran,, UP TO 15% WHEN YOU COMBINE Answer to see how much you can save. YOUR AUTO AND HOMEOWNERS. center. There's no obligation and no pressure to buy. ` Source: www.SmertmwW.cwubwsxwhndex.ohn?stay-autoirwra w. Insurance products am offered by Insurance Anew Canter' Inc. (California License No. 0899714), Answer Canter Insurm Agency Inc., and other artilates. Insurance plans and services are from Insurance arrpaNes and other licensed it>surance-related providers. Insurance Answer Center Inc. represents only the insurance companies ands pad Commissions and may receive other periariance-based compensation for the services provided to you. Not al products available in al states. Rates subject to change. Al products may riot be available in all states. Capin (knee does not provide, endorse or guaantes arty third-party p oduct a service shm. hem. Insurance products are not deposes or other odigalions of, or guaranteed by Capital One or an affil late of Capital One and are not inured by the FDIC or any other United States agency or Capital Ore. Yoour decision to purchase insurance and your choice of an irswer or agent A not affect your sligibliy for any Wall One product or service. Any iradentards mentioned herertn are sdety owned by the ntspecbw entity ® 2006 Capital One SeNces, Inc. Capital One Is a federally registered sm4ce mark. All rights reserved. 1. hear to Aveld • Flearea Chaga. t e. Groca Period. You well haw a minimum grace period d25 drys wtIh0111 finance charge on nag purchases, new balance venders, new special purchases and new other chsrges If you pay your kIW Thew Salarace", in accordance with go Impunera Noose for payments below, and In time for too be aodkod by your rheas stammerer doetg data. Thera k NO gmca period on cash advances and special bander, In addition , dhae b no grace period on shy MM$Ktbn N you do not pay Me total -Nm balm"., b. Acoming Finance Charge. Transactions which are not tub(sd 10 A grace Period are aasefted finance charge 1) from far date orals amracion a 2) from the dote the "reaction is pmonaW to your Account or a) Iron the flmt Cdddr day of the Mara being period. Additionally If you did not pay am 'Now BabnW koro the previous hBkg Perod in Nil, 4mnce, charges continue to accrue to you unpaid bOW" WIN the unpaid bOW" Is paid in full. This mama that You may tea ovia finance charges, even I you pay the entire Now Balann Indicated on to hord of your statement by the nod abatement dosing deft, but bid not do w for the pravhcus mpAh Unpaid finance Usages are added to the applicable SeWwt of your Account. t e. N-i- an Ffrunace Charge, For each bNlrg pmad thar your account Is KMW to a finance dterpa, 0 MINIMUM total FINANCE CHARGE d90.50 re be imposed, t d. TrnporaN Reduction in Finance Charge. Y1a reserve the right to nor aaseas any a Of anmce Cho" for any given blagg period. 2. A oemge Dally Bur fiew Mductng New purchasaa). at? plunge each ofcalculated yo by account (e.g., cash advance, purchase. special bagM and special purchase) by out ---PwWft dally prix I rafelt0lad has boon Pheviwdy disclosed to you. At the and of each day doling the biBng Period, we apply tie daily periodic mle for each aopnsnl of YOar account to the daffy balance of such segmaro. Than at to and nits bft period, hsa add up tie roads of teas daily caoodeaone a arrive at your periodic ,.. tags for each satime n. we add up the resub horn each ssgmam to arrive of to total periodic finance charge for your ecmunc To gran dairybelsnce far each segment of your acmes, we orb tie beginning balance for each "groom and add &V narot transactions; and any parkdic finance change calculated! on to previous days low. for gataeprwa. We than wa ad any ptrymna or cedes pasOWasddMdrythat son skated to that se asm. This gives as the separate dally balrae for each segment of your awwnL However, N you paid the New Bdanca shown on your previous satemen In full (a ayour new balance cues zero or a credal amoun, natr tmmc lore, which post to Your Purchase a special purchase tegrnals ere non added to the defy Eatwces. We oeWMA the awrage dally balance by addng all the dally hdatcee together and dhrdrg the soon by the nwilowd the do)%M tie anent billing cycle. To calculate your total bneance charge, multiply yoravaapa daily balance by the dailypeindic rate and by Me number of days In fin bW* Pa1W. Due 10 roladtg on a daily bask or due to mirilmurn finance dai utesoment, them may he a "rarer boatmen this calculation and the amount of 8hance chr" actually al$OBNW. 3. Annual Percentage Rotas (APR} a. The form 'Annual Pamerdape RNs" nary appear as 'APR' on the hard of this statement. Ir. If to Dade P (Quadary Primal L (QuarWly LIBOR), C (Quarterly CD). or 5 Mmkce d Prime) appeals on the front of this statement matt to the Periodic moo(s), the Parlodic rates ale corresponding ANNUAL PERCENTAGE RITES may very quarterly and may Increase or decrease based on to sksm intone, as toad in The WWI Segel Journal. Pan the margin pmloudy disclosed to you. These changes WiI be effedhre on the amt day of your bill pMnd Covered by yourpafodlc soam-t ending in the months of Jwusry, April, July and October. a Ir to code D (Mommy Prim), F (MonW y LIBOR), or 0 (rimester LIBOR) appears on the front of your statement next to the periodic roa(s), the periodic rams and c rmspardng ANNUAL PERCENTAGE RATES mey wry monthly and my increase or decrease based on the sated Indkxs, as bind in The Wall Sbaat Jwml, pka the margin p nhouefy disclosed ft you. These dnarrgw 'Al be effective on the file dry of your piling period each manor. 4. Aeaassment of Later, Ovaramit and R-hurned Payment Far. Under the wn a of your customer agreement, we rasaNe the rip to weNS or not to "am any ones Without plornotMrapon to you wo hpd wW ykg ourdpx to assea. the same or senile! feu at a later am. t 5. Ranew0 MarAccoutL It a membership fee appears on the front of yoursoorement, you 1 30 days from the date tide statement was mailed to you to a"d pri the in or le have such %a modified to you N you cancel your account wham having to pay the membership fee. To cancel your 8000,11111 you must notify us by ailing our Customer Refalar , Delamment and pay your *Now Balance In he (axdudng the membership feel prior to the and of the titrlyil.y, pad W. I. If You Cleft Your AcoOUM. You can request to dose your amour by calling our aelaner Relations Department. You mud destroyyour cretB cod(a) and=can moose dada, caned ¦1 preau nodzed billing hid eeaft using your aoonunt After your request to dose. t you continue to batted or do not wool weaNhodmd IfAl.p rmnpemmb, war vfil caalda race" da carpe Yom authortiaWn to keep your account open. Additionally, your account wo not be dosed until you pay all amounts you owe us Including: any trensedpm you have wtlerized, finance charges, pest due teas, ov~ few, mooned psyrners err, cash advance few end airy other feas assessed to your-count. You are rospmsible for thew smounoowhether they appear on your account at the time you mquwr to close the account or they am awned subsequent to your request to does the a-L This may moue in dirges appearing an your account offer you have requested ae accord to be dosed. 7. defog Your Acccana. Your card or account cannot be Lead in connection with any Internet gambling transactions. 8. Notice About Electronic Check Canveni When you prouder a check as payment you suahadas us either to use inbrmafim from you knack to mincer a pus-rims elemonk Pend transfer from your bank acco t t or to process the payment as a chadc transaction, when va Use Infor mllon from your seek to mks an dectionic fund b-nslar, funds may be sahdrawn from your bank account as ram as the same day sou motive your payment, and you With not receive you check bad from your financier Institution. BILLING RIGHTS SUMMARY (In Case of Errors or Questions about rbtr ES) if you think your bill Is wrung, or t you need more information on a bansa tim or bill , wrNs to us on a separate shad es won es possible lit the aldroas for Inquiries shown on the front of %a statement We most hoer from you no faftr, than 60 days after we cud you the file bill w vlh1ch the anon or problem appeared. You can call our Customer Relations number, but doing w will not preserve you rights. M your tatter, par us to fdbwirg Information: your name and account member, to dollar amount of the suspected error, a description of the error and an apdanaton, If pambe, of why you ball." them Is an amp: w It you need more Information. a desonptbn of the kern you are unions about You do not hew to pay cry amount in question while we am b"stlpatinp it, but you are set obligated to pay the pets dMff bN ten ant cad In Wooden. While we menial" you question. wo cannot report you as delinquent or lake any action to holed the amount you question. t, t Special Pole for Cro& Cant Purchases If you hsw a problem with the quality of properly or services that you purchased wan a credit cad and you haw tried in good faith to correct the problem wit she merchant, you may have the right not to pay to remaining amount due on the popery or serdcee. You have tic Pretacaora only wbsn the purchase price vats more than 980.00 and the purchase our made in your hone sMa or whin 100 Him of your metMp address. (if we ors or openle the merdhent, or If" moaW you to advetlsement for the property or services. all purchases are covered regardl.es of amount or location of purchase) Please remember to sign all cormspondence. t Does not sppfy So consumer nanarmg card accounts t Does not apply So Wakuess nphCmNt cad scoouda Capital One stppoms inloma lion pl.acy Protadion: ass our ..ball. N fem. Capital One is a federally registered service mark of Capital One Financier Corporation. AN fights reserved. 0200o Capital One 01 BC6056 - 8.12121186 Impmsasl Nola: Pepnass you mdb rvwbemood to year swat rder ballet day-ma"li pro (1)yarsender bodom poll of tmsMmaa adyorcrack in associated emboss enyMUq and (21 ycurpsymao1. na.NW hourix- ng camas by 3 pm. ET (12 noon PT). PNaaaMdbsw are (5) buYar drys brprta dflary. Payse is moolmd byya at any err location or In oyaar lone may, non but osaW mddo dry ea usrahs tlum.Opbalwn days era Mondry Ironilli SaltNsy, saddlg rrdays. MN donotwaapiMpapernip,de.wMprspmng your payment.WMyoupromsa dodo prymaa, you sumoMSmWrbass hbnmetri ban yordwrk b roko s one am sNclaatcbes Indaraoin yop.xp.It a b prow tier paymes r s ciao aaresdon. whoa ern use itwealen earn yeadad: bmdaasdcbateNdYanala, hasb mays mlaasara#an yoraomuo r neon r tlw ear deer as reoeln Yap pynaed, end you war rot fssMycrr 111erAap ram yap fradel Ystaedl • 200039 KELLY COY Date iZlZ7 36 VILLAGE CT MECHANICSBURG, PA i7o5o-9266 Use by 0112912007 68.72701256o 08659 49 W Pay to the order of VJ) 1 D 7 x . - , L??J W Dollars Q ?? / h 0 * C3 ne P Richmond, VA 4 Cardholder Memo Signature oh2i2711a 1:256072700:7 50 2 368 3990i6R¦ 6056 506 1 7 23061223 PAGE 2 of 2 01BC6056 Easy. Convenient, NO You deserve hassle-free financial tools. So to make it as easy as possible for you to access your account, we're pleased to offer TRANSACTION you these no-transaction-fee Purchase Checks.* You can use them wherever personal checks are accepted to: FEE • Get cash for things you want and need • Use them where credit cards are not accepted • Buy something special Remember Purchase Checks come with the same rate you pay for purchases you make with your card. Just be sure the total of your checks, to use these Capital One Purchase other transactions and fees doesn't exceed your credit line. Checks by January 29, 2007. * Please see the Important Disclosures on the back for the terms and conditions for using these checks. KELLY COY 12128 36 VILLAGE CT MECHANICSBURG,PA 27050.9166 Date 68-727012560 o8659 Y Use by 0212912007 Q W 2 Q Pay to the order aN O 1 D $ Q 2 Dollars Q S OW, a Richmond, VA Cardholder Memo Signature 11.1 21 2811' 1:2 560 7 2 70 11:750 23683990 1611• 200039 12129 KELLY COY Dam 68-7270/2560 36 VILLAGE CT 659 08659 MECHANICSBURG,PA 27o5o-9266 Use by 0212912007 U W v Pay to the order 0U n 1-n W $ Uj LL?? Q T Dollars ki ?P ?YtB' 0. Rtchmon4 VA Cardholder Memo Signature 11¦ 1 21 2911¦ 1:2S60727014750236133990160 CaplfWOnle' what's in your wallet?' 500009 It could happen to anyone. Make sure you pay the amount KELLY COY due on your statement as soon as possible. WHOOPS ! Keeping your credit in good standing can h hi k d l ot more t an you t n . o a GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES (good credit could mean lower interest rates) by I payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) C 2006 Capital Ow berv ices, Inc. Capita! One is a frdeally regirtered service mark. AU rights reserved 500009-OW43 FINANCE Previous Balance Payments 8 Credits CHARGE Transaction. New Balance Minimum Payment Due Data $3,670.88 - $19.86 + $64.26 + $163,18 = $3,878.48 $226.00 Feb. 23, 2007 Dec. 24, 2006 - Jan. 23, 2007 Page 1 of 1 PLEASE PA1' AT LEAST T115 AMOIMT MasterCard Platinum Account 5178452348633.9010 Your Account Information TOTAL CREDIT LINE $3,750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,750.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (please we reverse for imporfwLt Informal.) Balance -to Pa tic Conesoonding CHHARGE Purchases $2,882.11 0.05178% P 18.90% $4626 Cash $868.84 0.06548% P 23.90% $18.00 ANNUAL PERCENTAGE RATE applied this period: 20.46% ® At Your Service 1.8111 903 3837 To cap Cuslomer Relations or to report a lost or stolen card ® Send payments to: Capita One Bank • P.O. Box 706M • Charlotte, NC 28272.OW A Send Inquiries to: Capital One -P.O. Box 30285 -Salt Lake City, UT 841900285 Your account is one payment behind. Remember that making your minimum payments by the due dais, keeps your account in good standing. Further missed payments may be reported to the national credit oureaus. So make sure you send in the minimum amount due to keep your account in good standing. Payments, Credits & Adlusiments 1 27 DEC BLOCKBUSTER VIDEO #907 ENOLA PA $19.86 Transactions 2 26 DEC BLOCKBUSTER VIDEO #907 ENOLA PA $21.19 3 27 DEC PRNACYMATTER964618476 800.436.0817 CT $16.95 4 28 DEC HESS 38265 CAMP HILL PA $28.02 5 30 DEC PIZZA HUT #23084430034 CAMP HILL PA $21.71 6 05 JAN GIANT FOOD STORES #263 ENOLA PA $11.31 7 23 JAN PAST DUE FEE $35.00 8 23 JAN OVERLIMIT FEE JAN 06, 2007 $29.00 When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a &,adr transaction. When we use information from your check to make an electronic fund transfer, funds may be withdraw from your account as soon as the same day we receive your payment, and you win not receive your check back from your financial institution. You were assessed a pad due fee because your minimum payment was not received by the due date. To avoid his fee in the future, we recommend OW you allow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 7 23 070123 PAGE 1 of 1 OISC6056 PLEASE RETURN PORTION BELOW WTTH PAYMENT fI D 5178052368399016 23 3878460130000226000 ???" I what's in your walkt7' Account Number: 5178-0523-6839-9016 New Balance Minimum Payment Due Date $3,878.46 $226.00 Feb. 23, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed . Capital One Bank P.O. Box 70664 ILIvr111LrrrlrlrvlLrll Charlotte, NC 26272-0664 1 lulrllulurlr?lur?ulrll?urln?rln?nlu11n1a?n11nrll Please print address or phone number changes below using blue or black ink. Address Home Phone Ahemate Phone E-mail address Q 0 9002436132250466a MAIL ID NUMBER KELLY COY 36 VILLAGE CT MECHANICSBURG, PA 17050-9166 nrlllnr111nu1pill lurlrluu111111n,IIruIIIII11rn11so Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. ` SAYE HUNDREDS" when you shop around for your insurance. <roer,nc.t.mW^ Shop and you could save $5W or more' on your auto Insurance alone. tombine your auto and homeowners Insurance and you could save an additional 1696. insurance R GET UP TO 6 FREE QUOTES Answer from top carriers when you shop online. center, www.capitalone.com/insurance FINANCE Previous Balance Payments 3 Credits CHARGE $3,878.46 - $276.00 + $65.73 Jan. 24, 2007 - Feb. 23, 2007 Page 1 of 1 MasterCard Platinum Account 6178-05218636.6016 Your Account Information TOTAL CREDIT LINE $3,750.00 TOTAL AVAILABLE CREDIT $71.81 CREDIT LINE FOR CASH $3,750.00 AVAILABLE CREDIT FOR CASH $71.81 Finance Charges (Please see reverse for important Information) Balance rate Periodic Correa?p?dIng FINANCE applied to rate APR CHARGE Purchases $2,952.90 0.05178% P 18.90% $47.40 Cash $902.78 0.06648% P 23.90% $18.33 ANNUAL PERCENTAGE RATE applied this period: 20.46% ® Al Your Servicss 11-800,003-3637 To call Customer Relations or to report a be or stolen card ® Sand payments to: Capital One Bank - P.O. Box 70884 - Charbtb, NC 28272-OW A Send Inquiries to: Capital One -P.O. Box 30285 - Saa Lake City, UT 84130-0185 EatimM°d 6 µatin0 I Month Pnmlum BW.rElinel ?__-- A -- --A+ ------`---- nBMt -- - - -- -`-' A+_ _ _ - -'- _6386 BuY o - - "g„ y..iinet - _---- 0_ _ _ _ --- ' A - - ;397 - --_ _ -- say Or111ML - -- ---- A - --' ;410 _ -- -- --guyoniin,l 6;18 ---- -, A ___----- - A++ $421 -------`--- -- -0 AF - $503 - ---- BW.nIiML -- ---0 ------ ----A ;506 Buv °tss^e1 - - - - - - A+ ;579 - 5ataw lnsuronc°Co. ----_------- peerbrook lnwranw ------------ -------------- _ - - _ - - - ' - - ynrin Direct -- ---------- -- _ __ - IT µenford ---------- _----- Elaatric --____---- A1GAg--'V- o _____________ Odve from ----------------- ------------------- Transactions New Balance Minimum Payment Due Date )+ $10.00 = $3,678.19 $110.00 Mar. 23, 2007 ss. PEASE FAY AT LEAST THIS AMMM "Important Notice" Your aocourit was past due. Under the terms we previously disclosed to you, 6 your account is past due son in the next 12 billing cycles, your Annual Percentage Rates (APRs) may increase. Payments, Credits 8 Adiustments 1 24 JAN CAPITAL ONE ONLINE ACH PA YMENT $25.00- 2 24 JAN Cap 1 EledronicPhonsPmt AuthDate 24•J AN $25.00- 3 22 FEB PAYMENT $226.00- Transactions 4 24 JAN CAPITALPAYTRANSACTIONFEE $10.00 "' Please Note "' Some of the terms of your account are changing. Please read the enclosed ratification. 6056 506 1 7 23 070223 PAGE 1 of 2 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052368399016 23 3678190226000110009 ??'I wftat'sinyourwa0et7' Account Number: 5178-0523-6839-9016 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink C$3,678.19 $110.00 Mar. 23, 2007 Address PLEASE PAY AT LEAST THIS AMOUNT Home Phone Ahemate Phone Email address Amount Enclosed . •9005536132250480• MAIL ID NUMBER KELLY COY 36 VILLAGE CT Capital One Bank MECHANICSBURG, PA 17050-9166 P.0• Box 70664 ?r?u???ur?u?ur?r?? ?uE???nr???nn?rlE??us?r?unr?lrl?url?nu??nl?nt??n? Charlotte, NC 28272-0664 Please write your account number on your check or money order made payable to capital One Bank and mail with this coupon in the enclosed envelope. SHOP AND COMPARE and you could save $500 or more' off your auto insurance premiums. insurance CALL 1.877.886.9111 SAVE EVEN MORE: or visit www asipitalonexamAnsui ance Vp to 15% when you combine Answer to see how much you can save. your auto and homeowners. center. I There's no obligation and no pressure to buy. "2006 Source, www.amer4t meycoWcareurlerMdex.dri?story=utdYwance. Insurance products are offered by ktsuenoe Answer Centers Inc. (Caftans Licanse W. 01399714), Amer Cater Insurance Agency, Im, and other abates. Insurince plans and services are tom hstrance corlpan es and other boansed milatcerdisted proriders. Insuraraeil?WuYham Canter Inc. represents only the hNra ce companies and is paid coms.Ions and may receive other perfarmance, leased eonpatsatbn fa the services provided to you. Not al products avae h ale states. Rates subled to change. AN products may not be aura table in al states. Capital Capital One and are no ot insured athee FDIC or any other Wile ed d Stproduct or ates agency or Capital One. You decision to purchase imsu rant e deposits aid you oobligations ot, or dioice f anhst? or agent wit Capital affect ct your efgbiity, ffor any Capital One product or service. Any trademarks mentioned haven are solely owned by the respective arifiry. © 2007 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 1. Hoar to Avoid • Flnana Charge, t a. Grace Period. You will true a mi imun grace period of 25 days Wttrl Iktnta MergO One rmey4 Ou rMaaet, new batenc?e transtana, new aperdsi Wrdrew and new otitr charges a you pay your tool Tfsw Balmer', in accordance WO at Important Nona for payments below, and In tko for hb be aadhed by your next statemont closing dom. Then is no grace period on cash wwncau, and special oerrfars. in sddid-, there le a a- period on any transaction if you do not pay the total "Now balance." b. Accrulnd Fiance Charge. Transecdoa which am not 1) SUbild to & great Period ars assessed finance charge fan an dots of the treeedonor 22)from the data the oaredWrl Is processed to your Amount or 7) tram the teat Calendar day of the current bRkg period. Addd.,M*A If you did nor pay 9. -Naw Belence' Morn the p-Wcus bang period in full, Oruro charges continue to scous to you unpaid Wtenca unit at unpaid balance is paid in (us. This mean that you may so owe amerce sieges, awn N you pay the enitra New BOW= kdksad on the from of your StSWM t by the next statement dosing data, but did not do sofralepreviousnall UnpeldtimersdWgsereadded to the spplbabls segmentryour Account. t C Minarxmt Firma Chop. Frawh afg period gw yaw account Is Subject to a WWho carpe, a minimum Oriel FINANCE CHARGE or $0.50 will be imp ved. t d. Temporary Reduction in Fiance Charge. War resarw dm right to not mom any or as finance cargos for any given bamg paid 2. Average Dally Balance Or eluding New Purchsaas} Fiance Merge is calculated by multiplying the daily aura of each Segment of youraccount (e%, cash odwana, purMne, apecla Dumb Intl Spatial purchase) by the carrel aadng day periodic maSM the has been MII aYpdWW. w apply INS doily periodic rate At the and of each day during the Segment of your amount to 1a day balance of sach sogmWR Than at the and cat bOV period, war add up am suers of them doily cacJegms to aria at your period e finance charge far soch spilmar . INS add W par MKM from each SSgment to erriw Otte total Pemkdk wince charge for your amount. To got the day boom for each segment of your acomM va take fa begfrWmg balance for each sbgmert and AM army new treaections and any periodic dance da ge, celaAakd on the pevbus days bWrm for that sel7nsnL We Ow atlbfract any payments or credits cooled as of gut dw out are allocated to out segnWn This time us an apords daily balance for 090 seynrtt Of your account Howswr, if you paid am New Balance shown on your or"" autemant in full (or It your new baler" was zero or s =0 amount). new transactions. which pat to you pro e,, or special pod*" Segment am rot added to at day balances. We calculate the averepe dally balance by adding d the dally asencea bgWw and dlWdng the sum by the number of the days In it* current bilrg cycle. To calculate your foul finance charge, mdody ponodc rase and by oue b routdng on a dire may be a variance between this calculation and the amount of finance charge actually asaened. 3. Ann" PrpMaas Rats (APR). a. The =tern `Annual Peroattepe Rate" may sppear as 'APR' on the front of this aMS-L b. If the code P (Oumsedy Prime), L (Guarterty LIBOR), C (Ouenady CO). or S (Brdtard Prime) appears on the front o this Statement next to at periodic rate(s), the periodic mass and comospondhp ANNUAL PERCENTAGE RATES may way qualSry and may nRasn or decrease baud on der staied indiosk as Sound in The WMI Street Journal, pen to c ugin prevloutlyalsdra0 In you These changers wB be alfacUre an the f M day dyour dlep period covered by you periodic statement ending In the maths of January. April, July and Owber. e If the code D (Marty Pine). F (Monday LIBOR), at O n LIBOR) periodic musts), periodic raft tent and careapardng ANNUAL PERCENTAGE RATES may vary monthly and may i oreass ordadwea based on are sated indices, se loud In The Weal Spell Journal, pus the margin pr-loacme" an am MMd?day of your ?Yg period m a each mowit be nth. 4. Ass mem ent of LW. Ov~ ad Returns! Payment Fear Under the temp of your oralUmer sweement we reserve the right to wolve or not to assess any ton without pwnrnalMation oyouwflhotwo npourdghtk SeSSM.he sera a shnaerfase at ¦ tefardme. t S. Re enuring MoaAmounL If a manbeftIV fee appears on the front of your Statement you hew 30 days from the data arts VA.-nt was msiled to you b avoid paying Via fee or to hove such tee credited to you if you anool your soccut without having to pay the membership in, To anal yea oocc era, you mud notify us by calling our Customer Rokudws Department and pay your 'New Batace In tux (excluding the membership fns) ptorto Vw and or the aany-day pond. S, N You Close Your Account. You an request to dose your account by ailing our Cusronmr Relations Depennent You must destroy your cradt ac(e) and occeurs access dude, angel tl i m oulmlzed seMp and tnss come your eceouM. After your request to doss, if you common o treaad or do not angel pmauthonzod bong arrangements, we wil consider race" of a dwrge your aWohbedon b keep your account open. Addr ioay, your amount mill not be dosed urd you pay sir amount you oww w m dudhg: any transedoa you haw erdortzed, fern Merges, pan due fen, ovedmit fan, returned payment fees, cash advance fns and arty other uses sensed to your account. You an, responsible for Utss amounts WWmahr they appear on you SOMM at the time you request to doe Me aaaunt or they am marred subsequent to your request to dose the scours. This may Mu ft h dmrges appearN an your account after you how mWested tit account to be dosed. 7. Using Your Account Your card or amount cannot be used in comascdon with any kdamet Gambling transactions. 8. Notice Abort Electronic Cheek Comm-km When you provide a crack as payment you auhabs us toter to use informalon from your Check b make a oneame WKbmlc fund transfer from your bank amount or to process tea payment as a Check treetDdion When we use Intor atlon from your CFNck to make an slacimmic fund maker, funds may be withdrawn from your bank amount M soon as the seat dry we ream your payment, and you will not teats yaw &a* back from your anendel Im al ution. BILLING RIGHTS SURMWARY (In Casa of Emcee or Occasions about Your BB) N you winter your dl I. vamp, or if you need mom IMonnaaan on e transeatbr or lea. write to a on • Separate attet a Soon ea passible at the address for inquiries shown an to from of this statement We mat hear from you no tether Mare 68 days alter we Sent you the and bill on which the amt or problem appeared. You con al of Customer Relod" number. but doing to wit not preoenw your dplds. In your labor. give .8 On following Intonation: your name and amount number, the dollar amount of the suspected army, a description of the amp and an -Pence, If pos 11 of why you baltew arm Is a error r N you need more Information, a description of the Item you are unsure about You do not haw to pay any amount in quodon while we am nvseapaNng It, but you are still obligotadl to pay the pant of your bat thr M not in queda. W46 ors hVeWOM your question, war c o mot mpontt you w dslnquanl a take any action to soled ale amount you Westion. t. t Special Rule for Credit Card Purchases N you aver a problem with the quality of property or Services dred you purchased with a credit card and You hew, heed In god idh I. cored the problem win U. merchant you may hew the right not to pay the rrnalnng ar urd due on the property or WYIMG. You have seta protection ody when the purchase pia was more am $50.00 and V. paMna we no& In your home state or within 100 males of your malfrhg address. Of we own or operate the medNnt or If we messed you the adwmeament for the Property OF aerylcee, all Purchases sue coverer regardless of amount or location of purchase.) Plese remember to sign all correspondence, t Gas rot apply b consumer noncreal cam amounts t Does not apply b business non-Cmdlf card accounts Capital One Support information pnwcy protection: se our weaite rmDy adem. Capitol One Is a federally registered servo mark of Gpeal One Financial Corporation. Al rights mooned. 02008 Capital Dom Imgatild Wla: PWMKU you hW b to WE be crodW So your MOW as d ha anthers dayws recahs K. pmvNM (1) Yac ad tint boom palm dMS alSMrea ad yam dlnd h lw whnmd mnnexm arebpa ad Iz) yaw payw,erlN naked w err poaaaYp per by3pm.ET(12roarPh).Pleasakwatnonare(5)btswadraysbrpaaldgmy.PandanMedbyu Mwyahabra I errb aryothatrimmaymtbacre N aalaredryatr-I atm. Our haklas day, as Monday Month Saturday, seica" tfdmym. Muesd,notwMmpW. pper taps cod. when Mpg" your Payment. 200102 08982 1s important notification of a change in terms to your account Your account is changing. These changes will start with your April 2007 billing cycle:* Late Payment (Past Duel Fee Your late payment fee will be based on the amount of your account balance at the time the fee is applied. Balance of $0 - $99.99 = $19 fee Balance of $100 - $999.99 = $29 fee Balances of $1,000 or more = $39 fee Over-the-credit-limit Fee Your over-the-credit-limit fee will be based on the amount of your credit limit at the time the fee is applied. Credit limit of $0 - $499.99 = $19 fee Credit limit of $500 - $999.99 = $29 fee Credit limits of $1,000 or more = $39 fee What's Not Changing Although these terms are changing, your card still features all of your current benefits including $0 Fraud Liability and online account servicing. And if you are currently enrolled in a rewards program, you will continue to earn rewards on all of your eligible purchases. We truly value your business and look forward to serving you for years to come. 200102 see (reverse for more information, including how to decline these changes to your account. )101 C--WIWOW Please retain for your records. 6056 506 1 7 23 070223 PA06 2 Of 2 019C6056 V 4! if you decide not to accept these terms You can choose to decline these changes and cancel your account. To decline these changes, call our automated system at 1-800-2145032 by midnight EST, March 30, 2007. Please have your account information available. If you decline, starting March 31, 2007, you will: • Not be able to use your card • Have to cancel any scheduled payments you have set up for automatic billing • Not be able to redeem your rewards, if you are currently enrolled in a rewards program If you decline, you will be able to pay down your account at your existing terms. We will close your account after the balance you owe is $0 and we confirm that no new charges have posted to your account. Important Information * Your April 2007 billing cycle is the first billing cycle with a periodic statement closing date on or after April 1, 2007. These changes amend your Customer Agreement. All other account terms and conditions remain the same. 0 2007 Capital One Services, Inc. Capital One is a federally registered service mark. AU rights reserved. 500008 Ga fMIDW I what's in your wallet?' It could happen to anyone. Make sure you pay the amount KELLY COY due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS ! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES behind You're BETTER INTEREST RATES (good credit could mean lower interest rates) by I payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ® 2006 Capita[ One Services, Inc. Capital One is a fedemUy registered service mark. Ad rights reserved 500008-08503 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,678.19 - $35.00 + $57.13 + $68.90 = $3,769.22 $223.00 Apr. 23, 2007 Feb. 24, 2007 - Mar. 23, 2007 Page 1 of 1 PLIASE PAY AT LIAR THIS AMOM Platinum Account Your account is one payment behind. Remember that making your minimum payments by the due date keeps MasterCard MasterCard your account h good standing. Further missed payments may be reported to the national credit bureaus. So a make sure you send in the minimum amount due to keep your account in good standing. Your Account Information TOTAL CREDIT LINE $3,750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,750.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please am reverse for important Information) Balance to rate Periodic Coresponding CNRARGE Pd? rate APPHR Purchases $2,818.15 0.05178% P 18.90% $40.86 Cash $887.65 0.06548% P 23.90% $16.27 ANNUAL PERCENTAGE RATE applied this perlod: 18.50% ® At Your Service t•800 a03 3837 To cat Customer Relations or to report a lost or stolen card: 0 Send payments to: Capital One Bank -P.O. Box 70884. Charlotte, NC 28272-0884 A Send inquiries to: Capital one P.O. Box 30285. Sell Lake City, UT 64130-0265 Payments, Credits & Adlustments 1 23 JAN LATE PAYMENT FEE ADJUSTME NT $35.00- Transactions 2 23 FEB PRIVACYMATTER964618476 600.436-0817 CT $33.90 3 23 MAR PAST DUE FEE $35.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach CapitaI One. 6056 506 1 7 23 070323 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052368399016 23 3769220226000223008 ?W?' (whatY in year wallet?' Account Number: 5178-0523-6839-9016 New Balance Minimum Payment Due Date $3,769.22 $223.00 Apr. 23, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.o. Boz 70e84 ILILrIrLLIILrLIILrIILI Charlotte, NC 28272-0884 IllI'llpill, lpill fill pill 111//11111111hll to l l nl nl L rl l t to II Please print address or phone number changes below using blue or black ink. Address Home Phone ARernate Phone 19008336132250482e MAIL ID NUMBER KELLY COY 36 VILLAGE CT MECHANICSBURG, PA 17050-9166 loll III 11111111 111111111 $1111111111111111111111 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. Horn to Avoid a Finance Cargo. t a. Gpce Period. You wall have a minimum grace prod of 25 days wOW hang charge an new purchases, new balance penstem, new special puldaw and new other charges N you pay your Idol Thew Be~, in aomrdanm %0 In Important Notics for payments below, and In time fr ft to be aedtd by your neat statement clang data. Thee Is no grace period on cash advances ad special trensfem In addRon, aura Is no Branca period on any transaction if you do not pay the total -New boarca.' b. Accruing Fiance Charge. Transactions %Nch w not raged to a grace period one eseassed Amnon charge 1) from to data or tits baaadiwh or 2) from 0a data the transaction is processed to year Account r31 In m Dw hat calendar day of ft aware bil" period. Addld"MA If you did not pay the Thew askance" Man the pmmices Wig period M full, lkamoo changes eont ius to somse to your unpad bean.e unlit am unpaid balance is paid in full. This moms gat you may so owe *once Barges, even il you pay aft entice Naw Balance Indriw on don front Of your eleemant by tilt nest sagnmm dosing data. but rid not do ro fr the prevloa moreh. Unpaid America dwges w added to cow applic" segment of you Account. t c Mkft m FYrace Charge, Freak billing period that your aaourd Is sub)ect to s fresco charge, a mMmum total FINANCE CKARGE of $0.50 wg be Imposed. t d. Temporary Reduction in Finance Charge, ft carve ft right in not pats my or as finance, charges for any given baling period. 2. AAveage Daily Balance (hW"ng Now Pwdrasp). Finance cage is askfefad by faNplyng the daily beam of each segment ofyour accord (e.g., cash advance, Wdm%optical Waler,, and Modal purchase) by the corresponding daily periodic r We) that hoe bean previously disclosed to you. At the and of each day during to ding period, w apply the defy periodic rate for each segment or yaw account to tits daily balance of each segment, Than at one and of the Wng peed w add up the raft r them day wrlaaons to arrive at your periodic Rance d,.gs for each sagnwa We add up cow twb van each sagment b whti at fa one periodic mace charge fr your account. To get ft daily baenca for each segment of your eCODws, w gib tla WOkawg bodwas for each Segment gird add ey nsw bensoctioa rd my pedndc Onano Owego calculated on the previous dw^ balance for the wgrrwe We New, sm"*ct ay payments or reds polled as of OW day not are allocated t amt segmsel. This Biome w the separate tlalybvalance breach sepnam of your ac=nL However, A you paid the New Betnaa shown on your previous statement In full (or if your new beano wa zero or e wdh amount), now baraactiew, which poet to your purchase or special puelase tegraena w rid added to tits day balances. We celallas to average doily balance by adding one Uu day beans. tgedher and dividing the sum by the nrnbw at the days In the current bieng uyrde. To mlwWe your total finance charge, muldphy your average daily balance by tits daily period. role and by the nrmemaOf days In tlw bMM prod. Drew k rounding on a daily bps or due to minnum Ansnce charge assessment acre may be a variaraw bemoan tits alndetlon and he amount or Angina dvege actually assessed. 3. Annual Percentage Rees (AMU. a. The W. 'Annual Percentage Rat" may appear es'MR' w don from of Mfr etaeaesl b. If Una code P (Ouwtdy Prime), L (OuwA y LIBOR). C (Quarterly CO), WS (ldemcard Prime) appnra on the front of this ataemset nett to ft Palodo ae(ai, to Paris & rates and corresponding ANNUAL PERCENTAGE RATES may my quarterly and may Wan- r deOrew besed on t e peed ndnas, as bnd n The Well Street Journal, plus the mepn prawpaydisclosed to you. Thep chesgas we be ptNve on to No day of your dog Posted covered by you pwkwic statmem ending In the months or January, April, July and October. 0 c. If the code o "witty Price), F (Monthly LIBOR), or (I'moom LIBOR) appears on the from of your time.. mod to the periodic bee(s). the pakdic raid and canesprdng ANNUAL PERCENTAGE RATES may vary monthly and they increase or decrease based on the stated Irdkp, as land in The WWI Steed Jana, phis 1st margin previously diedwW to you. These changes will be egerave on the find day of your bgeg period each torah. a. Assessment of Late, Overilmit and Natured Payment Fees. Under one tend of your customer agreement, w reserve the right to wales or not a awe any fees wifhoul pdwnotdcAtion to you Wilhoutwah"ourrightte assess tla earrarsMMW seaataaarra, t5. Rmeaig YagAccowL If a member" fee app sus an dt front of your petemaq you have 30 days *am ft deft ids amsmamwas meled a you In avoid peykV the he or to have such fee redited to you t you cancel your account Will" having to pay the membership in. To cancel year emorht you must notify w by sling our Customer R"dons Department and pay your 'No. Balance In fed (excluding tlw membership Ise) prior to ft and Of Ace gttlydey period. 6. N You Cfeas your Acco, UL Yea an request to dose your ac.Dln by calling our Customer Relations Department Yoe must destroy year c mdk dad(s) and account gco ee dada, cancel d presuarod2ed billing ad oases using your wwunL After your mgwst to daft, t you confine to Worried or do not cancel pmsWwdzod bl6g arsngemona, we vfl consdareoegtufacharge youauthorization to keepyour aaourd open. AddibonMy, your accehrm wile act be used until you pry all amounts you owe us including; any rmuctka you have authorized, finance dwites, past dus fees, ovadma fw, retuned psymenl fan, cash advance fees and any otiw lea wasted to your account. You em respo sbe for ome amounts Mwdw I m appear on your room" at tit rime you request to ripe to account or they am named subsequent k your mquep to dose tla account. This may mat In c arpp epleswi g on your account after you have requested the account to be dosed. 7. Using Your Account. Your cord or aceo re cannot be used in connection *0 any Internet gambling truaecuana S. Notice About Electronic Cheek Commralon. When you provide s cheek as poynvmI, you authorize us saw to we irdrmagcn from you dwtlk b make a ra-i me eta 1. Sao spear from your bark adman or to process the payment se a Check transaction. When w we nkrradon from your dwlt to make an electronic AM transfer, funds may be vtadriron Mom your bank loosens as room as to sea dry w receive your pois em, and you will net receive your check beck from your AmndW McMutlon. WILLING RIGHTS SUMMARY (In Cap of Erne or CAlogdone about Your SO) M you think your dl is vaong, or If you nod mac Infanadon w a trarhiadbl or bit, suite to us aim a sepaet ahem - each se Possible at Mw address Nor Inquiries shoal on the hot of this statement We mail hoar from you no later than SO days after w sent you the Ara dl on which as enr or Woo;= eppewd. You con call our Customer Relations number. bur doing so VAN not prsewe your n9hu. In your ages, five w tlw tuffeg ig kdomagon: your name ad account number, ant doer amount of the suspected error, a description of the error and an eghteraden. N passible, of vvhy you bedew teem a en error: or if you reed are Information, a description of the kern you are unsure about. You do not have to pay sty amount in quesson wires w em Investigating it, but you are etf obagatd to pay the pals of yaw b" the w not In question. WNa w Mwastigee Your glhspbh. w eennr report you as dehnquem or take any action to soled the amount you question. $. t Special Fads for Credit Gad Purchases a you have a prw m with the quality Of property a Services no you pumhseed with a refit cam and you have had in good both to cared Ia problem wo tla mordant, you may have gw right not to pry tlw remaining amount due on tiw properly or w4ces. Yon have ate protection only whon the purchase Fria was moms than $50.00 and the purchase was made in your horns state r within 100 mss of your maikg address. Of sm own r operate tlw mecum, or it we meesd your the adwdsomml for she Propery or services, all purchases w covered regardless of amount or location of purchase) Paso rare~ to sigh all oarrsspondena. t Doe. nor apply 1. aaumer morn-c .* cord arcane $ Owe not apply to bwaop non cuedir cad accowus CePkeI One esPPoris information privacy protection: see our uawa at I/ylp a. Capitol Oa Is a federally regbamd Sella murk of Capital One Financial Crprstlc. At rights reserved. O 2005 Capital One 01 SCOU06.6- IZ77A6 In podenl Notice: Prymwa you nei b a VAN bs aedlsd a yew rural a of one husluds day we MoOmb 11, padded (1) you and the Doan Pwgon d the statement ad year coved In our mowed remiarre emnlope and (2) your payment Is rxeired h as phsressrg Center by 3 pm. ET (12 mesh PT). PWaaetva Wag are t5) baba dap harposal doll,". Payments received by us at wry other W" ar in any da bn mayor be radbd ad tla dey se me" than. Our busses drys are Mondey tlragh Serudey, wohpkg hold". Flows do not use depke, fepw der, W. mon prepwirg year payment. r Capltalow, what's in your vvallefl 500015 MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our f= check by phone service or speak to an associate by calling 1.800.955.6600. 0 2006 Capital one Services, Inc. Capital One it a federally registered service mark. All rights reserved 5000115.08503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions Na. Balance Minimum Payment Due Data C$3,769.22 - $0.00 + $91.60 + $94.95 = $3,955.77 $341.00 May. 23, 2007 .+?. Mar. 24, 2007 - Apr. 23, 2007 Page 1 of 1 PLEASE PAY AT tWT TNR AMOUNT MasterCard Platinum Account 5178-052Y6839M16 Your Account Information TOTAL CREDIT LINE $3,750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,750.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Ptease see reverse for important information) Balance rate Pergdic capon ng FINANCE applied to rate APR CHARGE Purchases $2,925.00 027712% D 28.15% $69.93 Cash $906.54 0.07712% D 28.15% $21.67 ANNUAL PERCENTAGE RATE applied this period: 28.15% ® At Your Service 1.808.903.3637 To cet Custom Relations or to report a lost or stolen card: 0 Send payments to: Capital One Be* • P.O. Box 70884 -Charlotte, NC 28272-0884 A Send Inquiries to: CapitalOne - P.O. Box 30285 Saft Lake City, UT 84130-0285 You're behind by two payments. Let's talk. If yot rs having financial difficulties and can't make your minimum payment - we want to help. Lars work together to find a solution that works beat for YOU Give us a coil at 1:.800.955.7070. Payments, Credits 8 Adjustments Transactions _ 1 23 MAR PRIVACYMATTER964618476 80G436-017 CT $16.95 2 23 APR PAST DUE FEE $39.00 3 23 APR OVERLIMIT FEE MAR 24, 2007 $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the pest 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember. If we receive your minimum rtanthry payment on time for 12 consecutive billing cycles, this account wilt be reviewed for a possible return to your Non-introductory APR. You were assessed a past due fee because your minimum payment was rat received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 7 23 070423 PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052368399016 23 3955770226000341003 ore I what's in your waiwr Account Number: 5178-0523-6839-9016 New Balance Minimum Payment Due Date $3,955.77 $341.00 May. 23, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.o. Box 70884 I,l„Lt,lld,d,tlhl Charlotte, NC 28272-1884 It,I,III,I,,,I,III„IttI,IlLttltrl,l„Ittlr,lltrlttl,tllt,tll Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address #9011436132250485# MAIL ID NUMBER KELLY COY 36 VILLAGE CT MECHANICSBURG, PA 17050-9166 11,III,1111111L6is III OIIIIIU, I III l Be r l l t t, d If t l I I Olt r, Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. KELLY COY L How to Avoid a Fiance Charge. t a. Brea Period. You wil have a minimum prow pWod of 25 dove wWW finance charge on new purchases, raw balance erasera, newspsclal punchoo s and now odor charges R you pay your MW'New Belahea', In accordance with this Important Noses for payments below, and In time for Rio be cx~ by yarraa sbbmrm dosing dab. Them Is m prow period on cash advance and spatial aarabm. In additim these N ne grace period on my transaction if you do rot pay me total "Now batan4.' b. Accruing Fi anp Charlie. Twoodlons which am rid subled to a grace period em waved finance chafe 1) from the dub or ae aa(YrAon or 2) Ran the data the tmnsedbn is processed to your Account or 3) from gar flat calendar day of des reread dung prod. AaMwwy, If you rid not pay to 'Now BWnoe arm the prims hBlre period In U. fiance charges continue to sorua to your unpaid balance unit the unpaid balance is paid in full. This mows that you may am owe finance dopes, even V you pry ft entire New saw" Indlwbd on the from of your statement by to nest statement dosing data, but rid not do so for the Previous mash Unpaid finance raps am added I. the applicable segment or your Amwit. t c. MAW. fir Fkwnce Charge. Frsch billing period that you account Is erged to a an.nca large, a minimum total FINANCE CHARGE of $0.50 will be imposed. t d. Temporary RaduWan In Isku now Charge. We reserve tie right a not saws any or sit finance charges for why given blNng perlod. 2. Average Daily Balance Qncluding New Purrhw 1. Finance charge is calculated by multipiyfrp f dairy balance of "on warrant of your account (e.g., cash oduWw, purchase, special tin Wo and special purchases) by tine corresponding day pomodb rob(e) scat has been previously disclosed b you. At the and of each day during the bang period, we apply the defy periodic raft for each segment of your acowm bas dally balance of each segrnrs. Than at tla and of tle bitfrp period, we add up she results of two day calculation to arrive at your prbdk hams charge for each sag eriL Wit add up tin results frown ugh segmad to arrive M fa scot periodic Aanoe charge for your account. To gar the duty balance far each eegriant of your scowl. we Wit the bapkMrp balance lr each sagrwn std w0 cry rhawtrerhscNra arst why Perbda finerhoa dmrge calcriatadon the prevbns deyl baknw it mss ael,}yhrn. cos awn woad say paYmerrs r resin posed s of that dry that m alocalad to dust segment. This gnaw us ft seprea desy balance for each sepnerd of your account. However, R you paid the New Balance shown on your preNms statement in full (r If your new, balance was two or a credl amoural, new immacdo a, which post b your purchase or special purchase sspments are not added to thB daily basanos. we Powell tie average dally balance by adding all the dally b.W- together and dividing the sum by the number of the days In tle eunant blskp cycle. To Cakuble Your Iorel 11101108 dlarge, mulfipy - your avrage ddy bsiras by the daily pwit de rate and by tie number o(drys in tin b" POW. Due b mantling on ¦ dally bask or due to rnframrn fiance change we"em am, them may be a -dints between Ws ralrunlelrr and the amount of finrnca dwrge sclualy assessed. 3. Annual Percentage Relas (APW. a. The farm *Annual Percentage Rate" may appear As 'APR` on tla from of this stremem. b. V in cede P (Qweady Prime), L (Guerierly LIBOR), C (Guar" CDL rS (Brsacrd prime) appears on the front of this stm~ non b se pwuic card(s), the pw odic area and corresponding ANNUAL PERCENTAGE RATES may wry qurtWy and may Inreps or decrease bard on tie slated indices, es frail in The WW Seem Journal, Plua the mtsglnp vlousiy disclosed to you. These dwrpes will be NpNve on the first day of your blip pwW covered by your periodic dw*n" ending In the months of January, April, July and October. c. If the coda D (Monthly plane), F (Murhly LIBOR), or O (Thrwy LIBOR) appose on the front of your aalemerd next to ft periodic rats(sl the pwbdk raw and corresponding ANNUAL PERCENTAGE RATES may very Monthly and may inreeee or darare bard on the ailed Indbse, es 1=0 In The Wall Stress Joumat, pea the margin previously disclosed to you. Tier changes At be . effective on ma fiml day of your WNIng Period each month 4. Aaaeawrort of lots, Overfinit and Returned Payment Far. Under the tems of your willonor egrsrnwi, we Na erve the rigid to wain or rot to sum wry ear without plbfnotfi ation byouwRhadwaWYnpourrlpFfb sass the Warne r almNar law at a M(rgme. t 5. Rrheaip YaurAcmat d a mambererllp Iea epposm w tla front of your atabMnWt, you have 30 days ft. ft data thk reamerdwas matbd to you to avoid paying me fee or to have such far cradled to you R you wad yon account witlnoW (Wing to pry Use moribership in. To eras your WmAL you must nogg us by calling our Cusronw Raisid" Department and pay your "New Balance" h full (azoludt1g the membership fee) pro to the and of the ganyday period. 4. NYou dos Your Account. You can request to dose your amount by coiling ourCustomer Rotational Department. You must destroy your radawd(s) and amount access dodo, carrot IN prsudrliad biting and war using your amount. After your request to dose, s you continue to Vented or do rot cancel preau0admd filing arrangemWn, we wit consider rewpofa charge your wMrlyaam to beep ymn amour open. Additionally, your amount will not be dosed until you pay all a11aumi you owe us Including: any uanasod" you have sumodzad. fiance charges, post due ton, ovedkdt ear, roamed payment fees, cash advance fees and any other fall sewed to your account. You are reapwsbe for them amounts whether they appear on your account at the time you request to des Me account or they am Incurred subsequent to your request to else the amount. This may read! In dopes appearing on your amount after you have requested the account to be closed. 7. Using Year AWN#* Your card or scowl cannot to used in comrctlon with any Internet gmd11ng Varsadicrho. S. Notice About Electronic Check Cglwrelom Whan you provides dark as paymrd, you sufto us either to use intimation from your dada to male a onHima elecinmi :fund treraferfrm your bank awoont or to process the payment s a chef, transaction. When we use informed- from your check to male an skedroft Rural Uarefar, funds may be withdraw from your bank account as soar r she same day wo me" your poWn@ , and you will not mcelve your chock back from your fire ndal Instkutkn. BILLING RIGHTS SLWMARY On Case of Errors or Wall" about Your Bit) R you think your till Is warp, or if you need more Information on a vanserlon or tie, write to us on a separate Wrest s loon u possible at tie address for In**Ies shown on the front of ft ratemrnt. We neat her from you no law than 00 days &fW we sent you tla fiat bill on which she enrrproblem appeared. You can cog our Customer Rotations manlier, but doing s wit not prewrve your rights. In your Maw, give us on folbwfrp Information: your name and account number, go dollar amount of the w$PMW error, a description of the error and an explanation. s possible, of why you Wow there is an error; or if you need more Information. a description of tars item you are unsuro about You do not have to pay any amount in question while won am Investigating s, but you arse sdl Wiffrtef to pay the parts of your bit air are not In question. Whits wo Investigate your gaatkn, we canna report you r detinquere or take any action to coW sit amount you question. S. t Special Pohl for CM& Cord Pordloaks Pyou have a problem with the quality of properly or services that You purohsed with 11060 card WW you have trod In good faith to correct To problem with tla merchant, you may have the VA not to pay the remaining amourd due on the property or Gersion. Ym have mat poadirh only when the purchase price was mom than $50.00 and to purchase was natle In your hams Mate or vANn 100 mice or your mrNkng address. Of we owes or operate tin merchant. or h we naiad you the odwlsasnud for the Property or services. all purchases as covered regardless of anaurd or Incation of purchase.) Plano remember to sign all correspondence. t Does nor epyiy b consumer-rsoV' cam accounts $ Dos not apply to bssfrness non credit card amounts Capital One supports infornwition prNSCY ProteWrn; was our Copal One Is a fsdsrally registered service mark of Caput Oro Financial Corporation. AN rights reserved. O 2005 Copilot One Important rusics: Po nwda ym mac a a Ms be owned to your aapnn as dais bnMasdryws racist R P V V" (1) you raid tar bolls portion of ft akkmmt Id your dwd in ice erdrad amerce m mime and (2) ymr Pennant Is Mcahed in or processing career by 3 Pm. ET (12 noon PT). Plesseaaarxled nrelsl hayee drya to,Pra denary. Pennants stied bn a at coq Other location r in mat rase bmn rtay not be ahead w dtia day sew recall than. Our bek as one are Maury through Saturday. erclydng holders. Fkered0not ua rapln, Paper dp, W. Man Prapakq Your PaMeac od .r Carlo. I what's in your walletf 500010 MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ©1006 Capital One Services, Inc. Capital One it a federally registered service mark. All rights mewed. 500010.00503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,955.77 - $20.00 + $92.21 + $78.00 = $4,105.98 $44:00 Jun. 23, 2007 Apr. 24, 2007 - May. 23, 2007 Page 1 of 1 PLEASE PAY AT LEAST THIS AMOt.M MasterCard Platinum Account 5178-05238839.9018 Your Account Information TOTAL CREDIT LINE $3,750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,750.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,057.37 0.07712% D 28.15% $70.74 Cash $928.10 0.07712% D 28.15% $21 A7 ANNUAL PERCENTAGE RATE applied this parbd: 28.15% ® At Your Service 1.800.9033637 To call Customer Relations or to report a lost or stolen card: ® Send payments to: Capital One Bank • P.O. Box 70884 - Charlotte, NC 28272.0884 A Send inquiries to: Capital One • P.O. Box 30285 • Salt Lake City, UT 84190-0285 You're behind by three payments. That means you are temporar..y unable to make new purchases or get cash advances. But you can regain your Capital One charging prMleges and bring your account back into goad standing by paying the amount due on your statement. If you're having financial difficulties and you're feeling overwhelmed - we want to help. Give one of our associates a call at 1.800.955.8000. You'd be surprised what we can do together to work this out. PaymetjIpi; edits & AdJustrnents.._....._ .............._....__._............ ..................._._.... 1 30 APR PAYMENT $20.00• Transactions 2 23 MAY PAST DUE FEE $39.00 3 23 MAY OVERLIMIT FEE MAY 23, 2007 $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. d your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember. If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible realm to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 7 23 070523 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052368399016 23 4105980020000444009 orZe I what's in yourwalle[7' Account Number: 5178-0523-6839-9016 New Balance Minimum Payment Due Date $4,105.98 $444.00 Jun. 23, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank %:; ox 70864 111ttirttlll111111rtll CharloBtte, NC 26272-0664 Inltllult,tltlltululrllltelrtltlnlulnllulnlullutll Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address tf90144361322504e2t1 MAIL ID NUMBER KELLY COY 36 VILLAGE CT NECHANICSBURG, PA 37050-9366 tttllltrtllLrrdddlrtdtlrrrtdltllttrlltt,tlltrlltttlLt Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. KELLY COY a 4W I. Nor to Avoid a Fiarhas Charge. t a. Grace Pertod. You will have a mInInwm grace period of 25 days w1faul Mann charge on now purchases. now baWha transient, new special purdmw and new other charges N you pay your total "Now Be~, In accurdencs wish live Important No1ka for payments below, and In time for kb be credited by your aid slWnarht closing dW. There is a (Face period on cash advances and spald baabrs. In a MEm. Mao is a grace period on any transaction It you do not pay the IMI "New bManoe' b. Aeahuing Faun Charge. Tfalle/dlene kdtch tiro nor suo, der of the ne tperiod ransaction or j aromn the ed date 0. f) harn Me oansedbn Is proassd to your Account or 31 from do fist calendar day dine glfrNe biting period. AdAmi ft F you did not pay ft "New Ddanca' earn the lpronious killing period in M. Mane charges cahana to aarus to yea unpaid balance until the unpaid balance is paid in full. This Irons that you may sin over finance durrgr. ever ayou pry the comae New Batence Indicated on the fiord all your atalavnnt by the nerd thdo hunt dosing date, but die not do es for bel previous mmtll Unpaid aama chagr era added to the MOW" segment of your Account. t u Alkdmsaa Fa1a1a thmrg". For erh berg period *so your acmnt te subjectm a sands doge, a mhnmsitatel FINANCE 04ARGE of $0.50 wit be imposed. t d. Temporary Reduction to Fir eakm Chary". We msaw the dot to not as ssr arty a es nana charges for my gNW baling period. 2. Awwap cry Baiara Oocktdirg Naar Purchase). Fewha dugs is calculated by mddplying the daily balance of each segment of your account (e.g., cash edYance, phrcJhees, special to mom OW speckil purchases) by Me arrapardng dry puio I robe(s) th!t hasbeen pmaviaWy disdosed W you. At ar and d aerh day during the baling perod, we apply She duly periodic note for each of your account to she daily balance of each segment, L Than ride ad dtM Wnmg period, we add up the results of bur tiny cskda&hns to wrho at your peddo ltrss/C" chive for Inch soamen . We rid W the mouas from each segment o antes althetas! peslodic Mane Burge for your account To gal the daily broncs for each segment of your 6.0m m war asks the beginning balance for each segment sd add Wry awbarwalaa eel any Periods Anna deege calculated an the preWaw day's bdarae ke that segment. We than subtract any PaYmrss or credits posted as of that day Mat am abrated to that segment. This giws w bar $$pan"dally balance for sech sap ord of your account Hnaeker, O you paid ale New Balance shown on your previous statement In full (or If your new bona "a zaro or e credit sonar"), new traasrdoer, which pool o your purchase or spacial purchase segments am not added o the daily bdvncas. ytle Calcdaa the annonige daily bWena by adding al this daily bat.- together and dividing the war by the number of the days In the cunert Wfig cyde, To calculate your total finance charge, multiply your average daily beWn" by 0. daily periodic rate and by Me number of days In the btmg period. Due o rershdeg on a daily bras or due to n Inkmtm Mane charge assessment, there may be a varlence between tins akulMlon and the amount of canca charge acutely assessed. 3. Annual Parcanlapa Rates IAMI). e. Thar term *AnMW Percentage, RW may appear as 'APR' on coo front of this stamrom. b. N Me code P (Quarterly Primal, L (OkrMrly LIBOR), C (DanMy COL or S (Son kard Prime) appears m the from .1 Ink, sentiment time to am periodic nine(s). She ps look retss and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may arsaaes or decisions heed on tlm dated edicts. as loud In TM Wall Street Journal, pas ale margin paNpuydsrlaea to you. Thar changes vta be eaerlkm on this hrel day of your bgkg period cawed by your periodic slatsment ending in the months of Ja eary April, July and October. o. If time cods D Wormy Prime), F (Modhy LISM). or G (Tres toy LIBOR) appears on the fore of your stW mart anti Ids periodic rats(.), do periodic rams ad corresponding ANNUAL PERCENTAGE RATES they vary monOlyad ray Yrcreesa v dsasese bawd m ale sated Intllaa, as found In The WWI Sort Journal, Plus tho margin previously dledose l to you. These charigoo will be affeca m on IM Bret day ofyour bNYg period each mum. ?. Aaaramant of 40, Onfli nit and Ratanod Payment Far. Under time term of your cusloseer agreement. we restive coo right to wade or not to allow any fees wancut pricer ndRadono you without moving ourright to Beers the esrtomeenYariaratewtlmer t 5. Rshtesrag YourAccaunt.as nhsMmmhip lea sppesre on We amt of yahretatWnmt, you ham 30 days fm tlo tlW this elwmsmwas malted to you n avoid paying tiro fes er o hew such M msdiod in you ifyou anccal your account without having to pay this membership in. To caar your aoodnt you mud notify us by calling our CueOomer Relations Department and pay your 'Now Bounce' In Id (excluding the mmMerahip lee) prior to tin and of like btmy.day period. S. N You Clew Your Account. You an request to dose your account by calling our Customer Relations Department. You must destroy your as& ad(s) end account errs chocks, armor all prssughodxd billing and coos using your account After your request to does, g you contevx to unread w do not cancel preadhdzed baling am Wnsints, ws war caWdarracelpt der charge your auYaGaaon to keep your account open. Additionally, your account will not be dosed until you pay all amounts you aura us IndWeg: any trarucitons you Mw authorized. Memos dmrges, past due is", overfimit left, rsband payment feu, cash adverse foe and any other fees assured to your account. You are responsible for mesa onmunts whaMer Ooy appear on your account at the ems you request to does the account or they . am bharmd aubeaguem to your request o does ft amount This may msaug In rhsrges appealing m your account alter you haw requested the account to be dosed. 7. Using Your Atwunt. Your card or axoum cannot be used in connection with Orly Internet gambling transactions. S. Notice About EkK&mle Chock Donverslah. When you pmvds a dock a paymwL you suStaRe us side to ur information from your dock to nuke a on"ma electronic had traveller from your bank acsoknt or to proses the payment es • check transaction. YAW sm we Information from your dock to make on electronic fund transfer, rods may be wimdrewn from your bank account as soon as the lama day we motive your pop..* and you WU not recolue your dock back from yow finandN Institution. BILLING RIGHTS SUMMARY (In Car of Errom or Gurdona about Your Bg) M you mink your bill Is vaonp, or Syou need more Intorrnadon on a transaction or bit. waste to as on s aeperele sheet as soar as pcesmte at the adders kr inquiries; shown on Ow front of this statement. We mutt hoar tram you a law then Sg days after we wit you ft ial bill on which the error or problem appeared. you an call our Customer Relations number, but doing eel wet not preserve your dyes. In your l other. gin us ft Weaving Information: your name and account number, me dollar amount of the suspected artor, a dralption of the error and an explanation, O porEM, of wiry you bellow ahem Is an artcr, orO You need more InfamaAm, a description of the item you are urrlurs abcuL You do not have to pay any amount in Wasson while we am k+wdigoi g it, but you we still obligated to pay the pans of your bill OW am not In puesaon. We was Invesagao your qurOm, we comae report you as delinquent or take any action to coled the amount you question. 3, t SpocW RW for Credit Card Pumlisess If you haw a pmbWn with the quo* of property or services that you purchased with • credit card and you hew bid In god faith to cored the problem with WA mardwnt, you may den the right not to pay the remaining amount due on time properly or savlms. You haw this protection only when the purchase price was rove than MOO and the pubhasa was made in your home state or within 100 miler of your mailing address. (If we own or operate the merchant, or If we haled you tin arNertleaant for tiro properly or seMtss, Wi purchases am coved mosrdleas of amount or cation of purchase.) Plower remember to sign all carespaderae. t boas oaf apply 1. consumer nmcntdt card accounts $ Dar nor apply to Wake" nor-cm* card accounts CapMl One supports intmasliun privacy protection: see our Wabeita alWwAra .gym. Capital Ohs it a federally registered semvlce mark of Capbal put Financial Corporation. AN rights resamd. O 2008 Capital One TC-0S Imperial aeacs: Payment you rat to us W be MM to your account es dace anhsss dyyes MAW X, P.." (1) you and the boon pcreon of ma sWeant ad your dad in to rx:beed resonance a miens and (2) your payment Is remind in or prow eep ceder by3 p.m. ET (12-PT). Plaasaoea best he 15) business days for poshl drvery. Persons retained by m a aM dlor bvuon or in any color lean may red be orsdied a of ft day as mast I m. Our heiress qua are koMey though Sau*.*=Whg Marys. Pberoa not use staples, paper tips, at. when pmpwing your peyme t. QuA lOMe" TAKE CONTROL OF YOUR CAPITAL ONEO 500011 what's in your wallet? ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. KELLY COY 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 check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capiral One Services, Inc. Capital One is a federally registered service mark. ALI rights mewed 500011-08503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $4,105.98 - $0.00 + $128.88 + $78.00 $4,312.88 $573.00 Jul. 27, 2007 May. 24, 2007 - Jul. 02, 2007 Page 1 of 1 RIM PAY AT UAM THISJUNOWT MasterCard Platinum Account 5178-0523.8839.9018 Your Account Information TOTAL CREDIT LINE $3,750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,750.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important informal on) Balance rate Periodic Corresponding FINAANCE applied to rate APR Purchases $3,224.61 0.07712% D 28.15% $99.47 Cash $953.50 0.07712% D 28.15% $29.41 ANNUAL PERCENTAGE RATE app8ed tl#s period: 28.15% At Your Service 1.8"3.3837 I1V To call customer Relations or to report a lost or stolen card: ® Send payments to: Capital One Bank -P.O. Box 70894 - Charlotte, NC 28272-0984 Send inquiries to: Capital One - P.O. Box 30285 Sak Lake Gty, UT 84130.0285 You're behind by four payments. You still an,t make any new purchases or cash advances on your account. Out you can still regain your charging privileges and bring your account bacIr into good standing by paying tie amount due on your statement by the next due date. Unfortunately, if we don't receive a suffinent payment, we may have to permanently suspend your charging prvi)eges. Need help? Give ua a a8 at 1.800.955.6600. Well work together to see what your options are to rebuild your amasnt status. IMPORTANT INFORMATION ABOUT YOUR GRACE PERIOD: N you pay your balance in full every month by your due date, you will en)oy an interest-free grace pedod of 25 days on new purchases. Paying by your due date also helps you avoid late fees. Pose see the back of your statement for more details and thank you for your business. Payments Credits 8 Adjustments Transactions 1 23 JUN PAST DUE FEE $39.00 2 02 JUL OVERLIMIT FEE JUL 02, 2007 $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember. If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due data. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 07 1 070702 PAGE 1 of 1 O1DM6056 PLEASE RETURN PORTION BELOW WrTH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ON LINE 0 5178052368399016 01 4312860020000573005 )W I what's in yourwallet7' Account Number: 5178-0523-6839-9016 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. C$4,312.86 $573.00 Jul. 27, 2007 '4ad/eSf PLEASE PAY AT LEAST THIS AMOUNT Home Phone Alternate Phone address E-mail Amount Enclosed #9018436132250488# MAIL ID NUMBER KELLY COY 36 VILLAGE CT Capital One Bank NECHANICSBURG, 37050-9166 P.O. l1oK 70684 LLrLdrlll11'I"I'1 I., II1111r11111, 1 1111 IrPlPA . Iru1111. 11111111rtr 11 rT 16,1 1111 Charlotte, NC 28272-0884 11 1 L111161rLIL111,1LIIL,1111L61111111I1n1111rs11till Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. t. Horn to Avoid • Fkrnce Chrye. T a. Once Period. You vAl haw a minimum grace period of 25 days without finance charge on new WMhu . new balance trrafers, new special purchases and new other charges t you pay your octal 'New Balance, in accordance with the trnporteM Nod's fa payments below, and in dine for h le ba credited by You Payment tlw date. There is mho grace period on cash advnoas and ape" thunders, In addition. Here I. no grace pwbd on my transaction if you do not pay ore toal'N" balance.' b. Acatring Fiance Charge. Transo dns hwhidh se not finance t subject to a grow period eve kom am data of Me raacdn thedae 1) transaction is processed to your Account a 31 from to first calendar day of the current billing period. Addd.,WyA If you did not pay the'New Balance' ft- 0. pr-iou. boiling period in full, dance charges continue to aan» to your unpaid balance until dhs unpaid balance is paid in full. This mere gat you may still owe firrnce charges, even K you prey the rare Ns, Balance radiated on the fiats at your statement by the payment due date, but did not do w for the previous month. Urged dance charges am added to the applicable segment of yaw Accost. T c. Ylnlmrnh Finance Charge. For each billing Prlod Ann your account Is abject to a I and chrge, a mktmuo oW FINANCE CHARGE of 30.50 wB be imposed. t d. Temporary Rauction In Finance Charge, yus reaemre the right to not seas my or as dance charges for my given billing period. 2. Average D ft Bake Onduding Ifnw Purohaeal. Finance charge is akusted by muNplytng the daily balance of each sagmom of your account (a 9.1 cash advance, purchase, special brvi r, and special purchase) by or. correspodng doily periodic race(s) thr has been otie billing prkd, - applyft dolly periodic ran yfor epic h segment or your apcourlt a the daily balance of each segment. Than at tie end of the bBklp period, we add up Me estate of tlresa doily alawlians to arrive at your periodic ifrncca charge for each segment. V% add W to results from rch aagment to arrive at the tetaI periodic francs large for your Braun'. To gat to daily baWCe for each segmrd of your mount ve take to begnerg balance is each segment and d now Varwaschons and any Pww& gimme cwge ales d on the pevbw day's bo for add sagnan Ala am subtract any psymmus or credits posted a of that M ? balance for each to chh segment Of your give ww acoouM HowaYac it you paid tie Now Balance shown on your previous statement in full (a If your new bodence was sera or a rods random), cow traaectar. whip pal to your purchase a spacial purchase segments; We not added to the dally balmosa. We mush our average dally batena by adding e1 the dolly bola cawr together and dividing iba sum by to number of the days In the cu scant boa g cycle. To calculate you total dance charge, musplY your average doily balance by the daily periodic rata and by Me number of days In as berg period. Dw b rounding on e doily boob or due to mnkmnrrl dance charge seseserrlem, dam may be a wrirre between this calculation ord the amount of firearm charge ecology awhosed. 3. Annual Prcombega Rates (APR} a. The Wm *Annual Peroft" Rate" may appear es *APR` on to front of this atrmrrrt. b. If the coda P (OuaMdy Rime), L (Quarterly LIBOR), C (OUMery CM or 5 (BerowN PAM)appara an the boot of this statement ad to ore periodic ala(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may wry clurLdy and may Inc7asw or decease based on to shied ir6ces, as bad in The Wsh Street Journal, plus ore margin pravkufly disclosed b you. These charges w0111 be alfaeWe on ore hurl day of your killing Period caherOd by yea prlodle take ant ending In ore months of January, April, July and October. c. If a* coda O (Monthly Prime), F (Monthly LIBOR), or O (Treasury LIBOR) appears on ore front of your statement Mod to to prodic rw(a), ore periods rotas and conaapondrg ANNUAL PERCENTAGE RATES may vary mandty, and may WOW or decrease based on as stated IndY'se, as farad In The WON Sleet Journal, plus the margin Ifscda o first l?yoto you. These cherges wall be ur bang period roach mwft 4. A""--* of Lek, Over" and Ihbwhsd PE"OM Fact Under title terra of your wobmar agreement, sew Iearw the right to wale or not to esaaa any forim without prier ndBrelkn to You wbhrd woly i g rwr right 10 some the sraasimgorba &Ialatarb". t 5. RrwrI Yew Aceeue. K a memberatyp fes oppows on the from of your statement, you hove 30 do" from ft data tts stataunan wit mailed to you to *wad o.Ytrm ore fee or to have such lies croditad to you S you almost your account withrrl having to pay Iba mombals* be. To cancel your ocamnL you must notfy us by aline our Customer Relations Deprtaant and pay your'Now Balance In fill (ascudYg the membership fall) Prior to the end of the thirb day period. d. It Vou Ctaes VeurAccount You an request to dose your account by ceiling our Customer Reholow Deportment Vw must destroy you credit owd(a) and account eases chedu, ante all praou thodzed blRng and sew wing your account der your request to does. B you onhwe to Yana d or do not anal pasuthrized tiling emargemer a, we vial carwidrroooiprra dirge your aut rtretln to keep your account open. Additionally, your account will not be load until you pay all amounts you owe us Including: am transactions you have ouahrbed, dance charges. pest due face, overlimk fees, retuned payment (ees, ash advance few and any other am assessed to your accord. You are respo alhls for ta8M amounts wMerr may appear on your account at the time you request to does the Woc inl or they - named aubaaquem o yra request to dose the account, This may result in charges appearing on your account after you haw requested the account to be dosed. 7. hang Your AdoaunL Your card or account cannot be used in connection umh cry Internet gambling transactions. S. Walla About Electronic Check Conversion. When you Pravda a check as payment, you ardlaba us wow to use infomnlon from your chink to make a a w"me electrons: had Wonder from your bank eccoum or to process the payment a a choa transaction. When va we hums aSOn from you dreck to make an decoonk:had Uamrfx, finds may be wsrdrawn from your bank account es soon as the was dry wit ncoiw your p.~ and you will not foal" your chock back from your financial institution. BILLING RIGHTS SUMMARY On Caw of Enos or Questions about Your 84) if you think yaw dl Is w rnft or I you need mom Infomsdw on e transaction or hill. write to he on s separate sheet a soon n possible at the address for inquiries shown on In front of Ws statement We must hear from you w later than 60 deye after wo .am you ore hr big on %#dch the amrmproblem appeared. You an al our Customer Relatpra m~. but doing w will not presume your dose. In your War. give w am fdkwkg kltrmeddh: your coma end account number, ft doer amount of the suspected rasa. a description of tat am and an arytaatar, k passible, of why you bdkwa Thee is an mr; or If you reed mass No w alon. a description of the Kenn you era unsure about Yw do not haws to PAY any amount in question white we ore nwalWallng f, but you are sW obffg@W so pay as pars of your bill set are not In "sedan. Whale we Wwn%ata your question, sew and report you as delinquent or take any action to called to amount you quseSn. 2, t Speed Ruts for Copt Card Puchaet Nyou have a problem with the quMKy of property or SWAM that you purchased wain a credit card and you hrve tried In good fabh to owed the problem with the merchant, you my Mw the right not to pry tie remaining amount doe on the property or wr*w. You have thla prowdon only who the purchase pia urea more than 380.00 and fat purchase wn meat In your hone state or within 100 mciss of your mefiig addnss. of we own or operate the merchant a if wit rnded you the adwNarram for me proparly a services. all pwahaen are cowed regardless of amant or location of purchase.) Please remember to sign all corresponds- t Does not spay or consumer non-dit card accousu t Does not apply b kWnoss non-credt card soounts Capital One supports Informatin pMecY proteNon; sou our waited. at ?agggfti,ggpl. Capal Ora is a fedenSyngiwM service mark of Capital One Financial Corporation. As rights roeaved. 0 2M Capitol One TC-0B tnpatntNWr: Paymels you nrewwwabegdrgk yua, a.trdaw litixna darwarwoena t. P?arfrdl+)wu rrd to bottom poison or this stalwart and your chock In heenceaed nwnlund aaeopo sat l2)yourp ymesi is waved In our processing corlar q 3 Pm. ET (t2 rmrPT). Pbsesbrreew eve (5) teies days forpaW aNiary. P+YmeMS received q a atrry dlr kcetkn a n any Who form may not be nerd a dde day sew oreke dw. Our business days are Mm* orrryl Sstutlay. esildng toedeys, Pere do not use staples, War ckpa, ek. wtlen prePnng your psymar. .rC caphwc w I what's in your wallets' KELLY COY IT'S STILL NOT TOO LATE. 500012 Your account is unusable. But, we can help you prevent further damage to your credit record. Please pay the amount due on your statement within 30 days. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our fig check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capital One Services, Inc. Capital One it a federally registered service mark. All rights reserved 500012-09503 FINANCE Previous Balance Payments Y Credits CHARGE Transactions Now Balance Minimum Payment Due Data $4,312.86 - $0.00 + $101.08 + $39.00 $4,452.94 $70.6:00 Aug. 27, 2007 Jul. 03, 2007 - Aug. 01, 2007 Page 1 of 1 KWE PAY AT OAST Tan AMOUNT Platinum Account You re behind by five payments so we've permanently suspended your charging privileges. If you don't make a MasterCard MasterCard Patin sufficient payment in the next 7 weeks your account is at risk for being charged off and reported to the national. 51178.0523,663940116 credit bureaus. Please don't let this happen. If yodre feeling overwhelmed. call us at 1,BW.955.6600. we'll wore wan you to resolve this seeder. Your Account Information TOTAL CREDIT LINE $3,750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,750.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important in art r?) Balance rate Periodic Coresgiding CHARGE applied to rate AAPPRR Purchases $3,389.69 0.07712% D 28.15% $78.42 Cash $979.56 0.07712% D 28.15% $22.66 ANNUAL PERCENTAGE RATE appaed thin petbd: 28.1$% ® At Your Service 1.880.903.3637 To can Customer Reunions a to report a lost or stolen card: 0 Send payments to: Capital One Bade -P.O. Box 70881 • Charbae. NC 28272-0884 A Send Inquiries to: Capital One -P.O. Bar 30285 • Salt Lake City, UT 84130-0285 Payments Credits 8 Adjustments Transactions 1 27 JUL PAST DUE FEE $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due Mice in the past 12 billing cycles. 0 your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember. If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due data. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 07 1 070801 PAGE 1 of 1 OIDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE ?+?..as?,??!?.?? 0 5178052368399016 01 4452940020000706005 C.-AP '°'lJW I what's in your walled?' Account Number: 5178-0523-6839-9016 New Balance Minimum Payment Due Date C$4,452.94 $706.00 Aug. 27, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70864 I11 11 1 111E1 11 11 1 1 1 1 11 1 Char lotto, NC 26272-0684 IrrlrllrtlrrrlrAr11111Llll„r6r66r6Elnllulr,6rllnrll Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address Q #9021436132250483# MAIL ID NUMBER KELLY COY 36 VILLAGE CT MECHANICSBURG, PA 17050-9366 r..lllrrrlllrrrrltlrlLrrlrlrnrrrlLlLrrlLrrrll,rllrrnllrr Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. e1C+4 % 1, Hoe b Auld a Fir- Charge. t a. Grace Period. You wN how, a minimum grace Period of 25 days Without M1ranoe dou" on new purehaea, new balance eanshm, now ape" prn:hrea and new other dtarges N you pay your kdsi'New Balance, In a Rem wk h the Impale, t Notice for payments below, aid In time for it to be credited by your payment due data. There is nd grace Pakdft cash aManca and ape" banras In addition, Intro 4 no groca Period as any hansectlon If you do not pay the total 'New balernoe.' It. Aunding Fpeance Omit". Tra re sctlar Winch we not augad to a gram period me wwad finsnca Carps 1) Iran eta dais of tld transaction a 2) ham Me 48 the transaction is processed to your Account a 3) Mom On fins calendar City ante oPmentWM parkd. Add B-WY A If you did not pay to *Now Bdsnm' ken 0. prwloua billing peAOd in Put, fidsnm clwgea Combats to acarua to your unpaid balance until the unpaid balance is paid in full. This none Plat you only *0 owe hurco charges, oven If you pay tai efts New Balance indicated on tla from of your sentiment by the payment due date, but did not do s for the provicuo month. Unpaid aromas, Mega am added to the appl(mds "What of yourAocount. t c. alWmrn plateaus Gtarga. For each Willing period thr your aadus is e0)ed to a *W= Charge, a Minimum total FINANCE CHARGE c ($D.50 will be Imposed. t d. Templarry Reduction In Finance Charge. ft raerw 1ha dam so not allows any r et f"MR charges for sy given Mang period. 2. Awrape Osty Seamus W4kWimg New Purchases). Fnmo, charge is calculated by Araptyng let daily balance of each Wgroard of your sddetint (e.g., cash sdvaum, purdws, specW trader, end special purdum) by the corresponding dry padpdc odWs) ace has been previously disclosed to you. At iM end of each day during aro bRkrp period, we apply the day Periodic rota for each segment of ycurarr mthe dally balance of each m spires, Than at the and of ft MNg PWW, va add fop Me results of Meet daily calculations c mine at your Pododk sneaks Mange for each ngmet. fee add W tld %Wb from each srgmed to Ord%a the COW Periodic finance Marge for your a.cwt To gel tld dNy bloke for each segment of your acco cif, yr take Me bophttag balance for each "We" ON add WW nox, trimsections and my porodfic finance doings calculated on Me previous days balance fa that sagm em We awn subbed any payments a alb posted ea caw day that are otaabd k amt segment. Thin g+wo os the aaparad dry beads for each sagndnt of your account. Hawswr. M you not the Now Balance shown on your previous e9temam In full (r Myour new balance wee zero or a soda amdunr), new traruacUsarhe, which poet k your P rddea rspsdd Purchase sagmwlie me not added to ft dally bslmoa. We Calculate Mot average dally blame by adding all the dry ealernrea tolietlw and dividing the mm by on number of Me days In the Current filing cycle. To Calculate your total fnmhm charge. multiply Yow average daily be*= by ft dolly the number of drys tithe berg period. p Due to roudin; onna dally be* or due k minimum finance clasps assawmam, the. may be a wMnre beeuen Mils Calculation end the amount of fine cs Clasps fkaw y waved. 3. Annual Percentage Rags (AP4 a. The law 'Annual Peroagage Rate" may appow a'APR' on gee from of this Infamous. b. Ittla cads P (QwrMdy Rime), L ()wrtry LIBOR). C (Guartaey CD). ors (BaNtcsrd Prone) appeals m the from of anis oletawn Cast to Mae periodic rhe(a), eta parodic rates and earsepaaArq ANNUAL PERCENTAGE RATES may "ry ptaNay rd my Increases or Wean based m the good undoes, as found in The wall avow J..MW, pass your panoaC treatment edit In the Mrnthe of Jarwry. April, Julyatd OcbWr. o. Of ft coda D (lofty Wad), F (Monthly LIBOR), or 0 (yroawy LIBOR) appears on the 8om of your olatsmem nor to the earbdc raeU). the padodk ran tar emtopadrg ANNUAL PERCENTAGE RATES may wry monthly and may ncraaea or decrease Wad on tlta ertsd indicate, a found in Th. Well Bent jot", phi, the margin previously dleCloseA to you. These dunan will be afiocave on do drat day of your bMV period each month . 4. Aaaaamsnl of Lab, Overlook and Retonud Payment Faas. Under the farm of your cua m wr gWagm % we reserve as right to unhta or not to as"" any toe whhod prior notification to youvAlwdadMYgourrighltoesssa to ssmsrakNWiwat alrrtlme. t 5. Retreating YawAccount. It a membership fee appears on the from of your statement, you hew 30 days from ft date fide statemai t"a mabd to you b awl paying the fee tab tau"ii ch is Credited to you I you cannot your oam" **md havind to eev the rrwMent in fee T. Baiense In hill (erdudrg to membership tit) Pallor to tlta and l f MYBMounry-Aeday PedW. 8. NYou Coea osrtrK You can requests to dose your mecum by Calling our Customer Relation DepammarhL You mur destroy your 000 Card(s) end-Wt ran ddcb, ravel al preautrodzed bNng and man using your account. Ater your reptae to dose. II you cahaaa to bemed r do not cancel preautiorlaed bOng anrgemsnd. We vWl crrd,rreoalpt Of a Chrps Yoh mtlabatal to keep your account open. Additionally, you account will not be dosed until you pay at amounts you owe us Including: arty transactions you haw tut hodzad, f iumce changes, paid due (on, ~11me fees, rimed payment )ass, cnh advance fete, and any other ft" messed to your acosunt. You am responsible for tads amounts ~w May appeal on your aocaum of the as you request k, due f account or they are ndrmed mbaeguem to your requeet to dos the eared. This my result In charges appwkg on your account after you have requested got eceoud to be domed. 7. Using Your Account. Your card w account cannot be used in Connection *0 any Internet gambling Warosictiong. 8. Notice About Electronic Chack C.onwralon. When You Provde a dheck as payment you edhatm w "W to use infomulbon from your check to Oaks a me-lima electroni : had V--.from you bank amahrd or to Process the payment "a Check transaction. When we use Information hen your of b make an alecaonk hod trener, funds maybe werranw from )gobank account s soon a tiro era day wit reoalw your paymaa, and you At not raodw your check back from your 8nandN nslhutlon. BILLING RIGHTS SUMMARY (In Cam of Emits or Questions about Ybrr 86) gym Mink yea bet is Wang, ort you Read Acre Information on a tmnsarkm or big, wits to w on a aepereta sheet a soon a possibta at ft addrea for Ir ophrias shcono on the front of Ws a4Lment. We Went how hen you no Drawn 88 days after we said you the Ma bill on Wrkhh f anon problem appeared. You Can cal our Customer Raladcns number, but daft m was not pruarve your dons. In your War, give w the folowing Information: your name set account number, tld soar anoum as the suspected error, a dadp8an of the mcr and an "Plsnallm t paaable, of why you believe two Is an mor, or N you need mare Information, a description or the bus you am unsure abouL You to not )taw to pay any amount in question what we are Mn mNgMkV It, but you aro 3111 abtigated to pay the pods of yon bill tat are not In question. %Wlo va nvsdpa ysr prnWn. We Cannot report you a tfefinqueni r take my action to Puled the amount you question. $. t Spft W Rule for Credit Card Ptrdrs al Nyou have a Problem was the purity of property or services that you purchased Wit a rn8 card and you he" flood In good faith k coined the problem with the mdrehen4 you nay how the right not to pay the remhalnng aAOUd on on eta property or svvfcw. You haw ale protection only when the purchase price era more ton $50.00 and ft Purchase was mode In your home state r vMhn 100 miles of your mailing address. Of wit own or operate the merchant, r If we mailed you ad atwr8mmisnl for tad propaMyr sarvlcao, ati Purchases me cowrod regardless of amount Or Iomton at PuchasJ Plane remember to sign all avraporulmoo. t Does not apply to consumer no-crodl! card accounts j Does nd apply to business no-redo card accounts Capital One mPpona nromslkn pmeoy, protection: see our wabaha at Mme. Copltal One d a federally regnrrad aeMce mark d Capital One Financial Coggraton. As rights reserved. 02008 Capital One OIDM6056 - I - 04/10107 ImPomae Nsos: Peprode you me to u all be credited to your aocunf r done banns day s reams s, phoned (1) you said Me bdton Poison of ft steWnaa royoucod in f.eClosed _.IWa _kpo and (2) your pWwt is Moeked'n cu pmpasinp coder by 3 Pm. ET (12 Coca PT). Puts. W.el fed fM (81 dales, dye brpa,W ddidry. Poyrrew, no hod y a r arty dna bca o, r h ayapabrm may not be crsded a ot ins day s receive awn. 0. Massa dye aro Monty shays sauday. eadrdnq helot's. Rena 60 not w tenet. RW dips, etc. when canoeing yon payment. I what's in your walleV7 KELLY COY NOT PAYING YOUR DEBT 5=13 DOESN'T MAKE IT GO AWAY. In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our fm check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement within 30 days to keep your account from being charged off. m 2006 Capital One Services, Inc. Capital One it a federally registered service mark. All rights reserved 500013-08503 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $4,452.94 - $0.00 + $107.88 + $39.00 $4,599.82 $849.82 Sep. 26, 2007 Aug. 02, 2007 - Sep. 01, 2007 Page 1 of 1 PLEASE FAY AT UA51 Tess AMOUR MasterCard Platinum Account 5178-05234839.8016 Your Account Information TOTAL CREDIT LINE $3,750.00 TOTAL AVAILABLECREDIT $0.00 CREDIT LINE FOR CASH $3,750.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding CHARGE applied to rate APR Purchases $3,509.53 0.07712% D 28.15% $83.90 Cash $1,002.86 0.07712% D 28.15% $23.98 ANNUAL PERCENTAGE RATE appaed thk period: 28.15% ® At Your Service 1.800903.3637 To all Customer Relations or to report a bsl or slob card: ® Send payments to: Capital One Bank • P.O. Box 70884 - Chadote, NC 28272-0884 Your account is six payments behind. 9 wo charge off your account due to late payments, we will report the charged-of status to several national credit bureaus, and the Purchase APR as reflected on this statement will be applied to all your outstanding balances. Act now to prevent this from happening. Please pay the amount due on your statement or gyve us a call at 1.800.955.0000. We'll work with you so you can take control of your account and start rebuilding your credit with Capital One. "Important NOetuj" Under the terms we previously disclosed to you, your account is now eligible for an incresse in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that t you fail to keep your account in goal standing, Capital One reserves the right to raise your APRs in the future. Payments, Credits & Adjustments Transactions 1 27 AUG PAST DUE FEE $39.00 A Send inquiries to: Caplml One - P.O. Box 30285 • Soft Lake City, UT 84130-0285 Have a question about a charge an your statement? You were assessed a past due tea because your minimum payment was not received by the due date. To avoid Please refer to the Billing Rights Summary on the back of this fee in the future, we recommend that you allow at least 7 business days for your minimum your statement or visit ?w capital.mnLldisoule<, Capital One. payment to ream 6056 506 1 07 1 070901 PAGE 1 of 1 OIDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE cm~ow I what's in your wailer r, New Balance Minimum Payment Due Date $4,599.82 $849.82 Sep. 26, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.0• Box 70584 Itlulelrlrllulrlnl Charlotte, NC 28272-0884 in 11111111 it loll Account Number: 5178-0523-6839-9016 Please print address or phone number changes below using blue or black ink. Address 5178052368399016 01 4599820020000849822 Nome Phone Alternate Phone E-mail address O #9024$36132250487# MAIL ID NUM3ER KELLY COY 36 VILLAGE CT MECHANICSBURG, PA 17050-9166 rrrfill Irlllurrirlrllurlrlmrrll111of lunllnlltr,llu Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. r 11 New to Avoid a Fimenca Chwge, t a. Draft Period. You will m" a minimum grace Period of 25 days without finance obarye on nevi purchase,, new balance transient, new special purcmaae and new odor dhrges O you Pay your tutu'Now Bob--, in accordance with the Important Notice for peymenet below, and In am for cab be seedbed by your payment due ate. Then is no graft proodcn cash adwncw and special banatsnt. In additm two is no grace period on any transeCtldl If you do not pay the total -Naw It, Accruing Finance Charge. Transactions wrpdh am not aued to a grata prod era aseesead franca deep 1) Aram the data of it* senssWon or 2) from tine dale the transaction Is Processed to Your Account or 3) born On fest calendar day of the daela b&V period. Addsduly, aye rid notfayaa "pew ldbnce' from the pmHous baling period In fis, stance charges continue to safm to your unpaid balance until tlu unpaid balance Is paid in full. This maws MM you in" slid owo finance dirges, ems i you pay ON arIt 0 Now Balance nAtasd on the ham of your sstwert by the psyrnwnt clue dos, but dal not do w fa the WwAous month. tipod finance dwgu am added to the applicable segment of your Account. f e Mbkntae Fireman Charge. For each mbg period dal you account is vital to a BwWS devils, a OYNmum total FINANCE CHARGE of $0.50 sit be imposed. t d. Temporary Reduction In Finance Charge, ft ruche dN right to not assese any or all finance charges, fa any given mindpww 2. Avwope Delay Bafanco Qncluding Now Purrhues). Fn MM charge is calculated by muWft On deity besrce of each segment of you accoum (eg., cash advance, pedaa0. a edel Wanda end epode[ purdhess) by me corresponding doily pariodic ras(s) to has been the b'" period. %a apply the defy periodic mte for each segment of your account to the defy balance of each mgmant Than at do end of the billing period, we add up we results of suss day WoaaOms to most at your periodic ihmoo OhWV for each sepmem. vas add up Ihs rewb from each sagnem b,m" at to local penlodc finance Jorge for your eosurc To gat it* daily bele nce for each segwwd of your account. we ske the bspkmtng balance for each .pose and as orynewIrmsmalcros and mypridkc inwhcpdhage raldpakd on the wrAma dayH balance for dstsognsm. Vfs tan actrad any psymeru or deft posted es of OW day that am allocated le OW eegrnem. This gNes es the separate deity balance for each segnrhend of your account. Homor, er, O you paid t New Balance shown on yaw praNaus statement In full (or If your now balance was zoo or a credit mwmt). sew transactions, which post to you purduea or spacial pruetusa seaments are not added to the dally balances. We celcu es to average dairy balance by sddeg al the day balance, spedw and dividing the wm by the number of Ow days in the cunam billing cycle. To caloulW your tote Antics charge, multiply your warega defy balance by the deity pundit rate and by the numbs of days In am b" period. DW to M.Wkg on a duly bess or due to msrlmum Oname dwge sesessnamt. them may be a variance between role calculation end the omoum of finance change actually assessed. 3. Annual Percentage Rates (APR(. a. The term 'Annual Pamrgage Rata' may appear se'APR' on the brit of this statement. b. Y the code P (Q.MMy Pdmu), L (Quamary LIBOR), C (Quarterly CO1, or S (Barilward Prime) appears on Ion Word of Oda 9&WWM4 uteri toga periodic rate(s), the periodic raw and corresponding ANNUAL PERCENTAGE RATES nay way quadary and may Increase or datonse based on tlu Wad ihdur, es Waal ice The Wad StrM Jounal, plus in One manna ofJonuary, c If ON,ors D WWft firma), F (Monmy UBOR), fir O M#?tiMLIBOR) perlodc rra(a1 the Periodic raw,W mteml MA conesPordmg ANNUAL PERCENTAGE RATES troy vary monthly rW ray Increase or docroM Wad an to stated IndWes, as fouW in Tor Well SI M Jaw W, plus to margin P-4-sly dsdosad to you. The. changes will be etfeesm on the first dry oryour bgkg period each manor. 4. Aeee.mend of LNe, Duwnami and (la ismad Payment Paa. Under ma lama of your widomer swesewhL we mean the right to welve or not s.sue any lees wtmoud Prla n01OlcYMoh u you wWuud wahrng ourrightlo sentence the samsasimiterleu ata4snrYms. t . Movas?y WarAccouhn6 Y a mwnbwdpp fas appears the your "ement, you hmw 30 days from as data rote statement w. mew to you tae id paying as fee or to ,"such f.o ckkd b you p you ..AW your account.010-9 having to pay the mrnbenthlp res. To ftnool your worm, you must notify us by calling our Customer Re sloes Department and pay your'Naw Scarce' n fig (-Wu ft the membership fee) prior a aid and of the adrty-Cay period. 6. It You Chore YourAowA* You can request to does your Kcount try calling our Customer Releau Department. You mug destroy, your credit (erd(s)and amore access chacka, cancel of preauthorized billing as Cesse using your account. Mar your requital to does. if you continue to baaad or a not cancel Dmauftdzod billing we will consider mcWptda charge, your m*wbW- to keep your acwwd opru. Aaikohtady, your acmum wait not be dosed until you pry all amounts you owe es Including: ay transactions you he" aumorlzad, ftwoo dory", pact due lose dvmh* fees, MWW Payment fees, caah advance few and any other taste eeso."d to your sc:o-L You are MSP011eb a for Uwe eflaurla whether goy appear on your amount at the time you request to dose the account or they am loaned subomp and b your request to does aN aoenvs. This maymtdt In darpea aPpewng on your account after you he" reglr9aled tie account to be dosed. 7. Wing Your Accrna Your Gerd or account cannot be used in connection with any mtsmet gambling ameadjam, It. NOUN About Elacbonle Check Carn%rsion. When you proilds a dnaa se peyrnmL you suawom us Ww to use kdarrmkon from your check b COW a erN-(funs ascecnie And Gensler boon your benk esftu0 or b procees ton payment as a dud; transaction. Mares we use I nimnakon from yw 0" to rake an electronic And transfer, funds may be Will m Nom your beak ,count as BoonW as aura day we rscNm your paym-L and you writ not reftlwe your dark back from your financial Instledim. BILLING RIGHTS SUMMARY (In Cue of Errors or Quad" about Your BN) ,you duk* your b8 ts wlrerg, aIf you need moo IMgnatlon on . tansaetlon or M, win to tae on a separate "heat se soon a possible alto address for Wgtrkw shown on ate fort of ceps etaternerut We taW her from you no War then 60 drys after we .rot you the fiW M on which the smoror problem appeared. You can cal our Cuatortar Rated" dmrMr, bud daft no wll not preserve your rods. In your Wor, give us ms fmrmtrg Information: your nsrne and account number, to dolr, amount of the suspected 0", a description W ton error and an arpfsn.dbn, a possible, d why you battle" tiara is an amw; a if you need more kk m dloh, a dolcriptlon of the gem you au unsure abWL You do not have to pay any amount in queebdh while wo am InvukgaYrq It. but you era WI obilloW to pay the parts of Yaw M out we not h question. WNS we nwestigata Yew queaden, wa canal report you"alinquM or take any ,dun to collect ON an^" you quulion. $. t Spsda Rule for Credit Card Purchases If you have a Problem with the pally of property or WAM that you purchased with a de ht cad as you have teed in good faith to caned the problem with the merchant, you may haw the tight not to pay the remaining amount due on the popery a"nte". You have this Muse ion MY when as purchase price wes more than $6800 and me pwchna was made in your hum awe or within 100 miles of your mailing address. Qf we own or cps** the merchant, or a we raged you ft ai"ry" ment for me Property or WAoss, fig Precheses are eo"md regardless at amount or Wootton of pwchw.) Please remember b sign an com"pohdmos. t Does not apply W consumer nloMdeda card accounts Does not aWY u bwtass nW -crodp card accounts C 44)W One supports information privacy protection: sea our vwbWW at VANW.Ififidibiall,00m,. Cepitsl One is a federally Mgsand.rNde monk of Cmdal One Financial Copoakon. N rights reserved. O 2008 Capital One OIDM6056 - 1 - 84/10/07 lffpemrm Notice: PaynMnh you IIW to a WIN be dedad N Your acmunl rd ft "hem der"r.W. Q. proritet (1)'M e w the bo ten Potion at bra eta neml end your csrk in the en*W ronwo oo, WW*pe and (2))a"peymenh is nuived In nor i mcrWg ode by3 Pm.ET(12 roan FT). Faces Moira bad he (5) swarm amp brpww dMk". paymmn r .K d by taeMolt adw b®fim do cry W. b. maymr bemadad w of me dry w MO" man. OW bwiwr date aro Wnd y meth Samdsy,-Wng Wdeye. Pbeee do not use Maples. paper d", etc. weep ivaparihg yaw Wren. M ` ? CAPITAL ONE BANK (USA), N.A. Plaintiff vs. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.08-4773 KELLY COY, Defendant PRELIMINARY OBJECTIONS TO AMENDED COMPLAINT Defendant moves for the dismissal of Plaintiff's Complaint, and as grounds therefore avers the following: Failure to Conform to Law and Rule of Court Pa.R.C.P. No.1028(a)2) and 1019(f)(h)(i) Plaintiff filed an Amended Complaint-Civil Action demanding damages in the amount of $4,744.69. 2. Plaintiff alleges it is owed certain funds pursuant to a credit card agreement but fails to attach a signed written contract between the Plaintiff or any other and the Defendant. Such a writing would form the very core of Plaintiff's case, but such writing has not been appended to the Complaint, nor its absence explained, as required by Pa.R.C.P.No 1019(h) and (i).. WHEREFORE, Defendant prays that Plaintiff's Complaint be dismissed with prejudice for failure to conform to law or a rule of court. More Specific Complaint Pa. R.C.P.No. 1028(a)(3) 3. Paragraphs 1-2 are incorporated herein by reference hereto. 4. Plaintiff fails to state specifically how Defendant was enriched by the use of credit . 5. Defendant is entitled to know how he has been enriched by the provisions of goods and or services and how payments have been applied to any alleged goods or services provided. WHEREFORE, Defendant prays that Plaintiff's Complaint be dismissed with prejudice for failure to file a more specific complaint. Respectfully submitted: MidPenn Legal Services Attorneys for Defendant BY: "Geoff re . Bi 'nger, Esquire 401 E. Louther Street Carlisle, PA 17013 (717) 243-9400 ID#18040 CERTIFICATE OF SERVICE I, Geoffrey M. Biringer, being a member in good standing of the Bar of Pennsylvania, hereby certify that I served a true and correct copy of the foregoing Preliminary Objections on this 8th day of December, 2008, by placing same in the United States mail, first class, postage prepaid, addressed as follows: Paul J. Klemm, Esquire 425 Eagle Rock Avenue, Suite 403 Roseland, NJ 07068 MIDPENN LEGAL SERVICES r By Lrf Geoffrey M. Biringer Attorney for the Defendant 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 Supreme Court ID#18040 ? r css Vol Fir PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 CAPITAL ONE BANK USA NA Plaintiff(s) ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COURT OF COMMON PLEAS V. KELLY COY Defendant(s) NO. 2008-04773 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 Order to Discontinue and End was served this date and first class U.S. Mail, postage prepaid, upon the following: GEOFFREY M. BIRINGER MIDPENN LEGAL SERVICES 401 E. LOUTHER STREET, SUITE 103 ems, CARLISLE, PA 17013 a? oo Date: April 27.2011 a rv' Respectfully Submitted: X C - NUDELMAN, KL OLUB'.C21 r - - Paul J. Klemm, Esquire 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 PKN32367 PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, 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. KELLY COY NO. 2008-04773 ORDER TO DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above -captioned matter as discontinued and ended upon costs only. Date: April 27. 2011 PKN32367 Respectfully Submitted: C) M ton (.11 <• CZ) =‘;=, 5.= - (JJ Paul J. Klemm, Esquire 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000