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HomeMy WebLinkAbout08-4887PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID # 92125 CAPITAL ONE BANK USA NA Plaintiff(s) V. STEPHANIE K SPOTTS Defendant(s) ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY 0% - X158'1 Civil teak 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`h Square SERVICIO DE REFERENCIA LEGAL COURT ADMINISTRATOR Cumberland County Courthouse PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK USA NA, V. STEPHANIE K SPOTTS : CUMBERLAND COUNTY Plaintiff(s) Defendant(s) 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, STEPHANIE K SPOTTS, is an individual and citizen of the Commonwealth of Pennsylvania, who is believed to currently reside at, 1110 RIDGE DR, MECHANICSBURG PA 17055-4483. 3. At the special insistence and request of the Defendant, Defendant was issued a credit card by CAPITAL ONE BANK USA NA, account number 5291492347973055. 4. The Defendant is responsible for an unpaid balance in the amount of $9,438.56 and interest in the amount of $916.81. 5. Plaintiff has made demand to Defendant for $10,355.37, 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 $10,355.37, plus attorney fees of $2,076.48 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 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 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: August 6, 2008 Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 r tZ pp?` CA .C oo '0 U = i . r"r CASE NO: 2008-04887 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND; "MONO CAPITAL ONE BANK USA N A VS SPOTTS STEPHANIE K now MICHELLE GUTSHALL , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SPOTTS STEPHANIE K the DEFENDANT , at 0958:00 HOURS, on the 6th day of September, 2008 at 1110 RIDGE DRIVE MECHANICSBURG, PA 17055 STEPHANIE SPOTTS by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 11.00 Affidavit .00 Surcharge 10.00 00 3 9. 0 Sworn and Subscibed to before me this day of , So Answers: 00, R. Thomas Kline 09/08/2008 NUDELMAN NUDELMAN ZIERING By. Deputy Sheriff A. D. Frank C. Sluzis 2000 Linglestown Road, Suite 106 Harrisburg, PA 17110 717-657-7770 frank.&scarf n gil aw. com IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK USA NA, Plaintiff V. : No. 08-4887 CIVIL TERM STEPHANIE SPOTTS, Defendant PRAECIPE FOR ENTRY OF APPEARANCE TO THE PROTHONOTARY: Please enter my appearance as attorney in the above-captioned action for the Defendant, STEPHANIE SPOTTS, per her request. Date: 2000 Linglestown Road, Ste 106 Harrisburg, PA 17110 717-657-7770 (office) 717-657-7797 (fax) frank@scaringilaw.com +4 ? ? s: 7 'C3l'::C' V3 17T 1 ; [ Ti F?r # i N) , 4Ti , IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK USA NA, Plaintiff V. STEPHANIE SPOTTS, Defendant TO: Capital One Bank USA NA c/o Paul J. Klemm, Esquire 425 Eagle Rock Avenue Roseland Avenue, NJ 07068 No. 08-4887 CIVIL TERM NOTICE TO PLEAD You are hereby notified to file a written response to the enclosed Preliminary Objections to Complaint within twenty (20) days of service hereon or a judgment may be entered against you. Date: ?4c4 inei, P.C. C Fr C. luzis, Esquire Attrn for Defendant Supreme Court I.D. # 43829 Scaringi & Scaringi, P.C. 2000 Linglestown Road, Suite 106 Harrisburg, PA 17110 717-657-7770 frankgscaringilaw.com Frank C. Sluzis, Esquire Scaringi & Scaringi, P.C. 2000 Linglestown Road, Suite 106 Harrisburg, PA 17110 Supreme Court I.D. No. 43829 IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK USA NA, Plaintiff V. STEPHANIE SPOTTS, Defendant : No. 08-4887 CIVIL TERM DEFENDANT'S PRELIMINARY OBJECTIONS TO COMPLAINT Defendant, Stephanie Spotts, by and through her attorney, Frank C. Sluzis of Scaringi & Scaringi, P.C., and pursuant to Pa.R.C.P. No. 1028, does hereby preliminarily object to Plaintiff's Complaint and in support thereof states as follows: 1. Plaintiff commenced this civil action by filing a Complaint on or about August 14, 2008. (A true and correct copy is incorporated herein by reference, attached hereto, and mark as Exhibit A.) Motion to Strike Complaint for Failure to Conform to Pa.R.C.P. No. 1019(f) 2. Paragraph 1 hereof is incorporated herein by reference as if fully restated in its entirety. 3. Rule 1028(a)(2) of the Pennsylvania Rules of Civil Procedure permits the filing of a preliminary objections where a pleading fails to conform to law or rule of court. 4. Plaintiff's Complaint fails to specifically state the time, place, and items which were allegedly purchased by Defendant which entitle Plaintiff to special damages of $10,355.37, plus attorneys' fees in the amount of $2,076.48 as required by Pa.R.C.P. No. 1019(f). 5. Plaintiff's Complaint alleges that Defendant owes an unpaid balance in the amount of $9,438.56, plus interest totaling $961.81, yet the Complaint fails to provide any information regarding the details or nature of any alleged transactions that caused said balance, or when or where said balance is alleged to have occurred. 6. Plaintiff's Complaint is in violation of Pa.R.C.P. No. 1019(f) and should be stricken. WHEREFORE, Defendant respectfully requests this Honorable Court to strike Plaintiff's Complaint with prejudice. Motion to Strike Complaint for Failure to Conform to Pa.R.C.P. No 1019(h) 7. Paragraphs 1 through 6 hereof are incorporated herein by reference as if fully restated in their entirety. 8. Plaintiff's Complaint fails to conform to Pa.R.C.P. No. 1019(h) which requires that any claim based on an agreement shall specifically state whether the agreement is oral or written. 9. Plaintiff's Complaint alleges that Defendant was issued a credit card by Plaintiff, at the Defendant's special insistence and request; however, Plaintiff's Complaint fails to specifically state whether the agreement underlying the issuance of said credit card was oral or written as required by Pa.R.C.P. No. 1019(h). 10. Plaintiff's Complaint is in violation of Pa.R.C.P. No. 1019(h) and should be stricken. WHEREFORE, Defendant respectfully requests this Honorable Court to strike Plaintiff's Complaint with prejudice. Motion to Strike Complaint for Failure to Conform to Pa.R.C.P. No. 1019(1) 11. Paragraphs 1 through 10 are incorporated herein by reference as if fully restated in their entirety. 12. Plaintiff's Complaint fails to conform to Pa.R.C.P. No. 1019(i) which requires that where a claim is based upon a writing, the pleader shall attach a copy of said writing, or provide information as to why the writing is not accessible to the pleader and the substance of the writing. 13. Plaintiff's Complaint alleges that Defendant requested a credit care and that Plaintiff issued said card. 14. Plaintiff failed to attach to its Complaint the copy of the writing which created the alleged agreement between Plaintiff and Defendant as required by Pa.R.C.P. No 1019(i). 15. Plaintiff failed to state in its Complaint that a copy of the writing is not accessible to Plaintiff, the reason said writing is not accessible, or the substance of the writing as required by Pa.R.C.P. No. 1019(i). 16. Plaintiff's Complaint is in violation of Pa.R.C.P. No. 1019(i) and should be striken. WHEREFORE, Defendant respectfully requests this Honorable Court to strike Plaintiff's Complaint with prejudice. Date Supreme Court I.D. No. 43829 Scaringi & Scaringi, P.C. 2000 Linglestown Road, Suite 106 Harrisburg, PA 17110 717-657-7770 frank(ascaringilaw.com Attorney for Defendant PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID # 92125 CAPITAL ONE BANK USA NA V STEPHANIE K SPOTTS Plaintiff(s) Defendant(s) in .iyg?g'''?'`;r a?ps???,>9'[??a? p? p? ?T,[?# I!i 7'8 9\ii ?? Y? L°r$ ?6-fe ur4o 3d is+N 0Ft3'.8 $?J 7 d1 Ot Sr 04;? XC r4 : Pa. - tom. a°?s ??ti7C0li ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY Dg Af sl 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. COURT ADMINISTRATOR Cumberland County Courthouse 1 Courthouse Square, 41 Square AVISO C;V, C i-i rlk 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 continuer 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 provisioner 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 SERVICIO DE REFERENCIA LEGAL COURT ADMINISTRATOR Cumberland County Courthouse EXHIBIT A PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK USA NA, : Plaintiff(s) V. STEPHANIE K SPOTTS 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, STEPHANIE K SPOTTS, is an individual and citizen of the Commonwealth of Pennsylvania, who is believed to currently reside at, 1110 RIDGE DR, MECHANICSBURG PA 17055-4483. 3. At the special insistence and request of the Defendant, Defendant was issued a credit card by CAPITAL ONE BANK USA NA, account number 5291492347973055. 4. The Defendant is responsible for an unpaid balance in the amount of $9,438.56 and interest in the amount of $916.81. 5. Plaintiff has made demand to Defendant for $10,355.37, 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 $10,355.37, plus attorney fees of $2,076.48 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 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 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 unworn falsification to authorities. Date: August 6, 2008 C? Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK USA NA, Plaintiff V. : No. 08-4887 CIVIL TERM STEPHANIE SPOTTS, Defendant CERTIFICATE OF SERVICE I, Frank C. Sluzis, of Scaringi & Scaringi, P.C., do hereby certify that a copy of the Defendant's Preliminary Objections to Complaint in the above-captioned action has been duly served upon the following, by depositing same in the United States Mail, First Class, Postage Prepaid, addressed as follows: Paul J. Klemm, Esquire Nudelman, Nudelman, & Ziering, P.C. 425 Eagle Rock Avenue Roseland, NJ 07068 Date: Frank C. Sluzis IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK USA NA, Plaintiff V. STEPHANIE SPOTTS, Defendant : No. 08-4887 CIVIL TERM BRIEF IN SUPPORT OF DEFENDANT'S PRELIMINARY OBJECTIONS TO COMPLAINT Defendant, Stephanie Spotts, by and through her attorney, Frank C. Sluzis, Esquire, of Scaringi & Scaringi, P.C., does hereby file her brief in support of his Preliminary Objections to Complaint: 1. Procedural History and Relevant Facts Plaintiff commenced this civil action by filing a Complaint on August 14, 2008. Plaintiff's Complaint alleges that Defendant requested from Plaintiff a credit card. Plaintiff's Complaint further alleges Defendant has an outstanding unpaid balance on said credit card of $9,438.56 and interest in the amount of $916.81, which Plaintiff alleges that Defendant has failed or refused to pay. Plaintiff's Complaint also seeks attorneys' fees in the amount of $2,076.48. Plaintiff's Complaint fails to conform with Pa.R.C.P. No. 1019(f) in that the Complaint does not specifically state the time, place, and items which entitled Plaintiff to damages in the amount of $9,438.56, plus interest in the amount of $916.81. Plaintiff's Complaint does not specify whether the alleged agreement between Plaintiff and Defendant was oral or in writing as required by Pa.R.C.P. No. 1019(h). Plaintiff's Complaint also fails to include the writing that evidences the alleged agreement or specify why such a writing is unavailable, along with a description thereof, as required by Pa.R.C.P. No. 1019(i). II. Statement of Issues Involved Whether the Court should strike Plaintiffs Complaint pursuant to Pa.R.C.P. No. 1028(a)(2) for failure to conform to law or rule of court in violation of Pa.R.C.P. No. 1019(f), (h), and (i)? Suggested Answer: YES. III. Argument A. The Court should strike Plaintiffs Complaint pursuant to Pa.R.C.P. No. 1028(a)(2) for failure to conform to Pa.R.C.P. No. 1019(f) requiring specificity in time, place, and items in order to recover special damages. The Pennsylvania Rules of Civil Procedure No. 1019(f) states that: "Averments of time, place and items of special damages shall be specifically stated." Such information is necessary for Defendant to properly respond to Plaintiff s Complaint. "Defendant is entitled to know the dates on which individual transactions were made, the amount therefore, and the items purchased to be able to answer intelligently and determine what items he can admit and what he must contest." Marine Bank v. Orlando, 25 Pa. D. & C.3d 264, 268 (C.P. Erie Cty. 1982); see also St. Hill & Assocs. v. Capital Asset Research Corp., 2000 Phila. Ct. Com. Pl. LEXIS 95 (C.P. Phila. Cty. 2000). Courts have found that gathering this information is a "relatively simple matter" for a Plaintiff; however it would "potentially be both costly and time consuming" for a defendant to obtain this information on his own. Marine Bank, 25 Pa. D. & C.3d at 267. Plaintiff's Complaint fails to state, either generally or specifically, when the alleged balance of $9,438.56 plus interest in the amount of $916.81, is to have occurred. It does not provide any information on what part of this alleged balance results from purchases and/or cash advances and what portion is from fees and other charges applied by Plaintiff. Without such information, Defendant is unable to intelligently answer Plaintiff's Complaint. Therefore, Plaintiff's Complaint if in violation of Pa.R.C.P. No. 1019(f) and should be stricken. B. The Court should strike Plaintiffs Complaint pursuant to Pa.R.C.P. No. 1028(a)(2) for failure to conform to Pa.R.C.P. No. 1019(h) requiring specificity in time, place, and items in order to recover special damages. Pennsylvania Rule of Civil Procedure No. 1019(h) provides that "when any claim or defense is based upon an agreement, the pleading shall state specifically if the agreement is oral or written." Plaintiff's Complaint clearly alleges that Plaintiff's cause of action is based on an agreement between Plaintiff and Defendant to extend credit to Defendant. "At the special insistence and request of the Defendant, Defendant was issued a credit card by CAPITAL ONE BANK USA NA." Plaintiff Complaint at para. 3. Despite this reference to a request by Defendant, and allusion to an agreement to extend such credit in the form of a credit card, Plaintiff's Complaint fails to state whether this agreement was oral or written, as required by Pa.R.C.P. No. 1019(h). Therefore, Plaintiffs Complaint is in violation of Pa.R.C.P. No. 1019(h) and should be stricken. C. The Court should strike Plaintiffs Complaint pursuant to Pa.R.C.P. No. 1028(a)(2) for failure to conform to Pa.R.C.P. No. 1019(1) requiring specificity in time, place, and items in order to recover special damages. Pennsylvania Rules of Civil Procedure No. 1019(i) requires as follows: When any claim or defense is based upon a writing, the pleader shall attach a copy of the writing or the material part thereof, but if the writing or copy is not accessible to the pleader, it is sufficient so to state together with the reason, and to set forth the substance in writing. Plaintiff has failed to state whether or not the credit agreement at issue in this Complaint is based on a writing, and has failed to attached to the Complaint signed written agreement evidencing the alleged contract between Plaintiff and Defendant. Plaintiff has failed to state that such writing is unavailable to Plaintiff. The Pennsylvania Superior Court has found that failure to attach the writing which establishes the debt between a plaintiff and a defendant in a particular amount "is fatal to the claims set forth in [plaintiff's] complaint." Atlantic Credit & Finance, Inc. v. Wilson, 829 A.2d 340, 345 (Pa. Super. 2003). Therefore, Plaintiff's Complaint is in violation of Pa.R.C.P. No. 1019(i) and should be stricken. IV. Conclusion For the reasons set forth in the Preliminary Objections of Defendant and in the Brief in Support thereof, Plaintiff's Complaint should be stricken. Date Respectfully submitted, Frank C. Sluzis, Esquire Attorney for Defendant Supreme Court I.D. # 43829 Scaringi & Scaringi, P.C. 2000 Linglestown Road, Suite 106 Harrisburg, PA 17110 717-657-7770 frankkscaringilaw.com IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK USA NA, Plaintiff V. : No. 08-4887 CIVIL TERM STEPHANIE SPOTTS, Defendant CERTIFICATE OF SERVICE I, Frank C. Sluzis, of Scaringi & Scaringi, P.C., do hereby certify that a copy of the Brief in Support of Defendant's Preliminary Objections to Complaint in the above-captioned action has been duly served upon the following, by depositing same in the United States Mail, First Class, Postage Prepaid, addressed as follows: Paul J. Klemm, Esquire Nudelman, Nudelman, & Ziering, P.C. 425 Eagle Rock Avenue Roseland, NJ 07068 Date: Frank C. Sluzis N 0- ms-I IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK USA NA, Plaintiff V. STEPHANIE SPOTTS, Defendant No. 08-4887 CIVIL TERM CERTIFICATE OF SERVICE I, Frank C. Sluzis, of Scaringi & Scaringi, P.C., do hereby certify that a copy of the Praecipe for Entry of Appearance in the above-captioned action has been duly served upon the following, by depositing same in the United States Mail, First Class, Postage Prepaid, addressed as follows: Nudelman, Nudelman, & 425 Eagle Rock en Roseland, NJ 706 ?Ce ` Date: ran (? Paul J. Klemm, Esquire .C. . Sluzis C"'a ??tt ?". cx? , r _ ''? ? ..--,; ?' y a:4. ? t r ? ? = '?. ?? ? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. ) )NO Plaintiff ) V. ) STEPHANIE SPOTTS ) Defendant(s) ) CERTIFICATE OF SERVICE 08-4887 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: Scaringi & Scaringi 2000 Linglestown Rd., Ste. 106 Harrisburg, PA 17110 October 3, 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. ) NO. 08-4887 CIVIL TERM Plaintiff ) V. ) STEPHANIE SPOTTS ) Defendant(s) ) 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 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff V. STEPHANIE SPOTTS Defendant(s) NO. 08-4887 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 foreign business corporation located at 4851 Cox Road, Glen Allen, VA 23060. Pursuant to 15 Pa. C.S.A. § 4122, "a foreign business corporation shall not be considered to be doing business in this Commonwealth for the purposes of this subchapter by reason of carrying on in this Commonwealth any one or more of the following acts ... (8) [s]ecuring or collecting debts or enforcing any rights in property securing them [or] (9) [t]ransacting any business in interstate or foreign commerce." 2. Plaintiff is informed and believes that Defendant resides at 1110 Ridge Dr., Mechanicsburg, PA 17055-4483. 3. On or about August 6, 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 $9,438.56 for credit extended by Plaintiff on account number 5291492347973055, 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. 5. Pursuant to the terms of the credit card agreement, Defendant also owes interest at the rate of 19.9% in the amount of $916.81, and reasonable attorney's fees in the amount of $2,076.48. 6. Plaintiff avers that Defendant breached the Agreement and is in default for failing to make payment on or about September 19, 2006. 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 $9,438.56, interest at the rate of 19.9% in the amount of $916.81, reasonable attorney's fees in the amount of $2,076.48, and costs of $117.50 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. Respectfull fitted: Nud an, Nu lman & Ziering, P.C. Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 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. Plaintiffs 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 unworn falsification to authorities. Date: Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 Exhibit A J 3 b V v V .? So a C CD a ? 1= W H At R a G4 O C -ski ? = 'E E Loa 9 cc ?h J y N .' O C a"E ao o I0-p CEjm . r Cu e!°CA r h 0 f 01g m h v Ile) E M ` of M r Q e O p `° _ m 0 o v 4 b h h ? Lu ?. t N I%b o ?p `o Qo? a•f $4 E v c A 0 0 a z L9 3 V p i 6 ?j J+ 1 C L e w w O v s; r ? A Ir- ? r ? 4 ? 1 ?VY. 1 N ? Y Ca'ajvl LLI cm cc W = i I 3 V N N O N ? ?s ofnp 0) o Co N M ao 6. V ti Q A i? M Q ? .O ? !VO L oao NO CUSTOMER AGREEMENT Welcome to Capital Owl!) We are pleased to open your rred all account. This AgreemwN wWbe Information about your account Please road it ad keep It for your retards. In this Agrewnnt the wods )=,'W and 'yours' refer to each person who aigned the application and to anyone eles who uses the avant in any way. Each of you Is h&ldu* and Jollity WOW under this Agreement. The words 'we.- 'us and'mif mean Capital One Bank and b voce more oraroigns. We an delay anfardnp our dghb under this AgmenntwitiroAfoeng tent thing Your Account You an make purchases and obbin ash advances (l we have tad you that cash abarnces are an option for your account) by using your ant, account nunber, and any account access checks (including Pmdm se Chedo, Convenience Checks, Special Transfer Ctadt and ate similar clacks) that we may send b you. Wien we provide you with accwa access cleat, we wlfi bell you whether they will be treated a purchases, ash advances, or specs trarshrs. Unless we teti you oMavMe, Convenience Checks will allays be tested as ash advances. Your card or account cannot be used in connection with any Internet or illegal gambling transactions. Your pad and account may only be Load for valid and lawful purposes. If you use, or sew, saaeors else to use, to card or moat for any Impermissible Puposs, You Will be raepWW* for curia ale and may be required In reimburse os and MasteCard International Incorporated or Visa USA, inner, as applicable, for al amourds or expermes we or they pay n a msult of war nape,, lute ale. You agree liatwe am not respad6h K anyone rehsa b honayour account ff you do not use your swans you may ante It by caliag our Customer Relations deperNwd and dashoykg your card(s) and aoom t saxes dhedt wft 30 days afar you receive them. Cab Etyava*g Transactions. If ash advances are an option for your account you an use your amount to purchase Poore that are dlmuilp convertible to aah. Thee ash equivakak trsfsacicoe will be trained a wain advances and will be bled to the cab advance segment of your account. Cash aquhslard transactions Include the purchase of ware WOW mmwy orders, tae, Mary tickets, abno owning chips, and other similar products or servlose. Your Credit Link You were told your as& limit when you opened your aocunt. You also may have afferent credit limb ter apply to different segments of your account (such as prdhaea, cash advances, and special tunsiars). These credit brib will be Nestled on your periodic slammed You agree to make purchases or obtain cash advances only up to the relwwi credit limit. We may Maessa or decrease your coda inlis at any time, may e@ the anwo that Is avansw for aka advances, or may exckide cash advafcas entirely from your amount We may honor bansections in excess of you credit init. even I Muse irarsectlors result in an overnma he, and those transactions and fees will be coved by ilia Agmement Hakig Paynwhts. You promise b pay a all amounis due resulting from to use of your account Ir during any firm na degas and other charges due under the farms of this Agreement. Payments must be made in U.S. doers. Paynuas made by a ragotable lastrfannt such as a dsdc at a money order mast be in a bran accepteble b us and be drawn on a U.S. financial won. We my abate payments among the various segments of your account in any way we deliermne, You must Pay at lean the minimum canard due by the data requested on your wa0annt to avoid a late paymerd fee However, you may pay mom tam Me minimum payment or pay the balance In fW. In any was, Rum chaMa will continue to be assessed dung burp periods that you arty a balance regardless of whether or not your statement shows a mlinxun payment dua We can accept late payments or Paddal payments or deft and moray orders marked 'psymad in fur or other similar larpuage without loehg wy of our this under this Agreement indudkg our dght to racelve payment in fat Periodic 8iswnrd. Each mordh you have a balance In your account, we will send you a slalament ahowlp all transactions bbd to your amount during the billing period, The bllrg period Is the time from one statement dosing date through and Including the nod statement dosing dale. The statement closing data determines the month or a specific blOV period. For example, yar January blbhg period is the billing period wit the stalamwd dosing date In January. Fiance Clrerys Information. A. Gmw Period You will have a mhkT m grace period of 25 days without &a= charge on now purdwes, new balance tfarstws, new special purchases and flew afar charges it you pay your bhl New Balance as shown on your periodic stelrnent in kill and In time for it to be credited by your sad stetenent delrg dale. There is no grew period on cash dvawes and spade trashes, in sWlbn, l you did not pay the toial New Balance from the previous bgip slafa r rd in full and to time for It b be credit by your next statement dalg dab. has is no grace period on any transaction. B. Amukq France Charge. Transactions which are not w*d to a grew period we assessed finance charge as follow •Trersadlons made dalg the current billing period: from tie transaction date. -Undated transactors and transactions made with account access checks. from the dale the transaction is processed to your account -Transactions made p W to the eunerd bitng plod: from the *9 calendar day of the arrentbling period. Additionally, f you did not pay the Now Balance from the previous billing period in furl, finance charges continue to accrue to your unpaid below urd to unpaid balance is paid In kia This mean tut you may still owe tnerhce charges, even I you pay the entire New Below Indicated on the frail of your statement by the red statement closing dale, but did not do so for the prefto nedlh. Unpaid hence charges are added to the applicable segment of your account C. lgohrx m France Charge. For each bnip period that your account is suited to a (mans charge, a minimum total *am charge of $0.50 will be Imposed. 0 the btei trance dhage resulting from the application of your periodic raWs) is less than $0.50, we will subtract thou amount from to $0.50 min mum ad the dtlfwence will be tiled to the purchase segment of your account. D. Park* Raba We determine the defy perbdic rate by dividing tie annual percentage rate by 365 and oundng t to the nearoa 1I/t0D,00DM of 1%. The rate may be different for each sagmed of your avow d (e g., cash advance, purchase, special pumhaw and special transfer I applicable for your account). You were told the daily fie rate(s) when you opened you account ad 'A appears an your satement E. C tuA*V Finance Charge. Finance chage is alaiated by multiplying cis daily balance of each segment of your account (e.g., cash advance, purchase, special banter, and special purchase) by to corresponding daily perlodic mh(o) Mat has been previously disclosed to you. At the and of each day during the biting period, we apply the daily perlcdlc one for each segmerd of your account to the daily balance of each segment Then at the and of the bang period, we add up the rertte of these defy alcutetlas to antra at your periodic finance dwge for eedh segment We add up the resub tmom earth segment to arrhm at the total periodic manna charge for your account 005112-11 To get the daily balance for each segment of your account we take the beginning below for each segment and add any new 6eiwctions and any periodic finance doge, calculated on to previous dey's balance fa that segment We than euCtrad any payments or credits posted as of that day that are atoabd to that segment. This game us the separate daily balance for each segment of your account However, tyou paid the New Balance shown on your preAcus stetenwd N tug (or I your New Balance was aeo or a coedt amourd), new trosactos which pat to your purchase Of special purchase segments are not added to tie daily baloces. To alamtete your teal finance charge, multiply your average daily balance by the daily Walk roe and by to number of days in fir bifrp period. Due in rounding on a deny bade, them may be a dot variance between this osfcuialarm and fire amount of flruarra derga auxrgh assessed. F. Cash Ad" Fee. If a ash advance he apples b your account, you were laid to in when you opened your socoua. The be will be dwged each In you obtain a cash advance and will be added to the cash advance s n e nt of your aoosud and will reduce your available credit. The amomnt of the ash advance lee will be added to other haunts charges on your pedodb statement for the purpose of akarking the annual percimiege rate disclosed tea This may sae the audal percersge roe disclosed on your sisla eIt to be greater than the annual pemedlege rate that was disclosed to you when you opened youramount. G Tanhoorery Reduction ion Finance Gh&W We reserve the right to not assess any or all ihena dhapas for ay given bang period. Other Fan and Charges. The following fan may be billed to the purchase segment of your account unless otherwise specified. in every bang period in which they apply: late pai mad be I we do not receive your payment in time for It to be credited by thou fobwtg statement dosing data, over" fee t your account (or any segment of you account) goes or Wye above any temporarily or pamerwhty =tried out lmt, even IF we approved the ove" amours, at any ins during to bR% cycle (regardless of whether you went owweit as a result of a Irweadlon, finance dwge, or any other fee or charp? returned dads fee, imposed every Ima a deck Is returned to a for any use , , or I we cannot honor your account access checks for any mom; and copying dwgas for duplicate copies of tanadions or Wternahis unless mquinid for billing dispute rasokdm. These tea and charges will not be assessed it your billing address was In Pusrfo Rico when your account was opwW. The fee and charge amicunb woe disclosed to you when you opened your account If any of these teas or charges are charged subsequent to your account opening, you will be advised of the new amount We reserve the right b wain these fees uvlhout prior notlaton to you. Illemb whip Fee. I your account has a membership fee, it was disclosed to you when you opened your w= t The fee will be bated to the Purchase asgrteriofyouraccaunt Credit Bureau hallormegoa You agree that we may "n your credit infonretlom from credit mpo" agenda at any time for the purposes of mono" your aadt peftmoce, managing your account and considering you for new offers ad programs. Future Offers. The terms of any future offs will be disclosed to you at the 11 me the offs Is who. t you accept an offer, he baits will become effective immediately unless otherwise specified In the offer. NW& We may consider you b be In default under We Agreement If: (a) you fail to pay Ie minimum payment an fine, (b) you accred your matt ilmM, or (c) you pay os with basin that am returned for any mom. To the extent permitted by law, you may also be in dafaftt under this Agreement it (1) you violate any of the other tons of Mis ygreemerd, or any o (the tans dt any of agreement with us or any of our afilistes, or (2) you made any Was or misleading statements on your appliatm, or (3) hankrupby or other nsd+wwy promednps are Imnhrted by you or against you. After you are n default (or am we give you any notice of or right to sae to detail t required by law), we may mWd your amour lom row transactions, or dose your account and demand Iwredho payment of the enlke outstanding balance. In addition, as a result of the dWut, you mkftnf payment may income without advance notice. To to extent wmftd by low, you agree to pay all court mats and collection expenses incurred by us In to wecYm of any wmxd you we a under this Agmwwt if you daai and we refs you account for collection to an attorney who is not our salaried employee, b fire extent permitted by low, you aglea to pay mom" .mower s' has. You also agree to pay any =0 we may incur in retrieving your ads, including any costs we may nor by having your account placed on a rmebiclA list If You Close Your Account. You an request to dose your amount by calling our Cuaome Relations department You mat destroy all arch and acoourd access crocks, anal d prewtiariud bON arrangements, ofd cow hang your account If you do not cancel praatho ted billing whargements, we will onelder moelpt of a charge yea autladzaton to reopen your a=unt Additionally, your account will not be closed urd you pay all amounts you on os including: any transactions you have authorized, finance charges, loco payment lase, ovetimt feat reined check fees, ash advance lass and any other fees assessed b your am =% You we responsible for these amounts whether they appear an your amount at the am you request to dose the amount or they are incurred subseghNat to your request to dose the account This may result in charges appearing on your account alter you have requested the account to be dad or the reopening of your awa lit t it has already been dosed For sample. t you wMoriad a purchase from a mordant and we receive the amnsectm from to merchant after your coo=" has been owed, your account will be reopered, the annum of the serge will be added b yea acccA and you will be responsible for payment I therm Is a membership fee for your avant the fee will continue to be caged, to the extent pw*bd by taw, until the avant lhntrha has been paid in furl as deed above. N you want to stop an autateed eels access to your account you must can our Customer Relation depeArard ad dasboy the usees card 0f any) and any account acoeas deft he or she may have. it you are unable to destroy that person's cad and acomerl access checks, and you cal our Customer Relators department to dose your account, your account will be dosed and both you and the Jard ardhdder, t any, may apply for a new account If we dose the account you ad the Joint and okler, I any, will eta be liable, Individually and bgedw, for all amounts charged to your account. it ltte Canal Your Account or Suspend Credit Privileges. We may at any lime, with or without cause and with or without advance notice, terminate this Agreement without being them Charges in Terms. We may amend or charge cry pert of you Agreement, h*xkg tie periodic rates ad other drarges, or add or remove requkalents Oduft Adding new nequisaents of the earns or a different nature as the axlebg requirements in tile AgnArmnt) at any ions. I we do so, we will give you notice I required by few of such amendment or charge, Notice will be mated to the lest btbg address kdcabd In our records. (However, no rrotee will be meted I we previously had rrohted you tot your accaad would be subject b such Amendment or charge without sloe.) Charges b tie annual percentepe rete(s) will apply to your account balance kmm the etfedve date d to charge, whether or not the account balance Indhded items hilted to to Amount before to rings date and whdharor not you cm*PA to use to Account Changes to lees and ours dirges will apply to your amount from the effective date of the charge. Applicable Law. This Agreement will be, governed by Virginia law ON Fedoml biw. Severabtigr. The twaiklity of any provision of this Agreement shat not afleel the validly of Any other PvAd ns. Lost or Stolen Cads or Account Access Checks. t your cards or Account Aoosse checks am lost or sides or t someone she may be using them wltiad your Permission, nogg a at once by aing Ire telephone timber shown on tie from of your periodic statements. You will not be table In Any amount ter usafadmd use of your cads of amount soeaa dodo. Your BWO Address. You agree b give us warted notice d any change In your billing address at least 10 days before the change. Changes may be writer in tiro $pace Mvided on the remMorm coupon porlon of you pAriodic statement or may be sent b tie following address: Capital One, P,O. Box 85015, Ridhmord, VA 23285b015. N your account is a )rill account or t more than one person Is permitted to use It, you agree that all ndm regarding the account may be sum solely b the address shown on our b%V records. Communications. We may al you (uskg live operators, oulomedc doing devices, or recorded messages) at home or work and those ale will not be considered unsolicited. We may manta or record wry cis we make or receive. We may allow nbrmefon b atone regarding to awn or history of your amount as is more k* dsaesed in the Capital One privacy poly, a copy of who has been provided to you. We may make ipIAM of lhid pales in connection with maintaining end odecbg your Amount and you autiabe etch thkd pwdm b release hofoi..mdm aboutyou b us. Cadrcider Bsrellb. Cardholder banelts may be changed or larniuod wmhaat notice. The bm% may be provided by third parties: we are not liable for such benefits or for the actors or omissions of to Ihnd patla, UJA Cumincy. t you male a purdwe or ash advance in foreign currency. the transaction will be corwrbd nb U.& dollars using Visa or MpbrQud reguktore and ardversbn procedures in elect at to time. Visa or MasterCard may Increase to conversion rate and keep ft naemed amount The rats n Allen on the conversion dale may dityer from tie rate used on the transaction dale. ARBITRATION: You and we agree that either you or we may, at either party's sole eledoN require that any Claim (es defined below) be resolved by binding Arbitration, IF YOU OR WE ELECT ARBITRATION OF A CLAIM, N19THFR 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 R YOU WENT TO COURT, INCLUDING THE MIT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE N ARBITRATION. THE FEES ASSOCIATED WITH ARBITRATION MAY BE HIGHER THAN THE FEE$ ASSOCIATED WITH COURT PROCEEDINGS. Special Definitions for Able Anblrallon Pmvtsion. For the purposes of tie arbitration proviafon ('Arbtratan Provision'}, the following datkntlons shat apply in Addition b the detntions set forth In tits Customs Agreement ('Agreement!): 'We,''a' wd'our mean the owner at your amount (Capkd One Bade of Capital One, F.S.B.), is perern, and their dred and Indirect subsidiaries and affiliates, as well as at of their respective employees, officers, directors, licensees, predecessors, sucossw s, end assigns. 'Gain' mess any claim, cords:wwy, or dispute of any Ind or nature between you and A. This doNm bdudes, WNW trniaOon, try Clain that n Any eey adores from or mmu to., •tiis Agreement and any of Its term (Including arty prior Agreements between you and us or between you and any other entity from welch we wWlmd your among •tiis Arbitration Provision (Including whether any Claim is subject to arbitration) .the atet>i lament operation, or termination of your amount .any dedosures, advedbertents, promotions, or otter oorowicetcrs re" b your sco untwhethertheyoccurredbeforeor after your ammmuntwasopened -any transactions or atempted transactions Involving your amamt .Ary bMng or collections maters relating to your K=nt .any laebng of transactions; @w1urfl g payments or credits) to your account .any goods or services ringed to your amount .any fees, Merest, or other charges assessed to your socotrK or their eaicrulation .any produds, services, or benetts progress related to a Offered In arnaction with you account (ndudrg any insurance, debt cancellation, or wdadad soonce conbeco And any programs, r-1 , rewards, sweepeokes, memberships, discounts, or coupons) whaler or not we offered, nboducad, sob, of provided them .our receipt, use, or disclosure of any nbnmfon about you or you account .any other maters relsbhg b your amount or your relationship with us. B. This da kdBon ado includes, wNW ddvdstbn, any Clam .regardless of tow or when it is brought (ter example. as an initial claim, counterclaim. aoas4afm, lebirpleadnp, or thi f-pert' claim) .based an any theory of rfef or damages (Including money damages end my form of specific pabrtnahce or i *md va, declaratory, or over equtabla MM .based an any theory of ow or witty (Including coobac, bR fraud, mkeOWtbn, 81131111 reguoton, ondnsnce, or wrongful ads or omissions of Any type, w hat cur negfgsnt reckop, or ntentonaq .made by you or by eeyor camwded with you or daiming through or for you (iududig a co-apptam or eutiarlaed user of your account your agent your representative. your heirs, or e trustee In banbupty) 008112-21 .tor which we may be dredy or indirectly Itable under any theory, Including respondent superior or agency (even Iwe am not properly named at the We the Chinn is made) .now In wdrAmca or ihet may arm in the future, regardless of when to facts and dmumsb aces Mad give flee to the Claim occurred or when tie Clan accrued .made as pert of a clear action, private ad ey general action, or other representative or collective action, which Claim shf proceed on an Individual basis as set bdh more fully In this Arbitration Admkddmr , One of the blowkg arbilNbn administrates CAdmlnlsbaW or, cokcWely, 'AdmiristraW will administer the abli ston: JAMS Amakan Arbitration Ass'n Natiorul Arbitration Forum 1920 Main St, $ts. 300 395 Marlton Ave., Fbor 10 P.O. Box 50191 Irvine, CA M10 New Yak, NY 100174805 hrtmeeporm, MN 55405 mm4mad= wwwji L4ln You may confect sly of the Adminllatabrs to obt* Intimation about aNtratlon, arbitration rules and procedures, be ac adulea, ed claim bow. Election and In*-' I' of Arbitration. You or we may elect aWbaton under this Arbitration Provision with harped b any Clam, Avon I the Gain is pat at a lawsuit brought in count. You or we may make a motion or request n court b compel arbitration of any Clean brought as part of sty oweut. We will not elect or ntkls Arbitration o (any Coin brought n a small chafe court (a tie equbelern), so long as tie Clean remake In tat pout is made coley on behalf of at i dividual or joint Acout holds, ad Is not made as pad of a class action, pdvste atansq general action, or oturrepkesskhtktre atxolactive acOat You and we must follow the odes of the Administrators to Wisto Arbitration. If you kn4vte arbleston, you may own one of the Administrations. And you mustmat us any notice m**W by the Adrhidetralor b P.O. Bon 8555, Rbfiond, VA 232853550. I we, tittle ebikaton, we will choose one of the AdmiMetralon, ed we will mal you any notice required by tie AdnideOabr b your lad4mom MRS address. t we have Initiated Arbitration. we will change the Adrihokalix at your mitres! I you notify us In wdtrg at tie above address within tteen days of the data of any notice we, send you of our kuNadon of amhikaton. Procedurve and Law Appliablr In Arbkmft. This ArWhft Provision is made pursuant b a to saction twol ft ntsrsts a mwwka ad shat lib governed by and wdomuble tder the Federal Aftalon Ad (the'FAW). O usstae about whdw any Claim is subject to arbitration shay be resolved by bdargeli g this Arbibetco provision in the broadest way it may be enforced, cw~ with the FAA and the tams of this Arbtraton Provision. The arbitnelm will apply wbstahtww law mreistem with to FAA sW applbsble stekdq of linmtemoe. The arbitrator may award any damages or other rellef pwmlbd by appiabb substantive law, but the and shall determine the rights aid obligators of only to named parties and only w0 h rasped to to Claim n a alien. The rules and procedures of the Administrator, which you may oboe fmm the Administrator, stet govern the arbltellm unless they oor M:t with this Arbitration provision, n which case this ArWbdiom Provision will apply. The arbilraw will not be bond by, and this Arbitration Provision sham not be subject to, the federal, stab, or local rules of procedure and evidence that would apply In any coat or b stele or local lava that rNele to ablbaton pkoceedtga. You or we may have a heang in arbitration. Any Arbitrate having that you attend in person we, bike piece At a location in the federal juOcW d*W that Includes your tae 4nown bMrp address or at some other plans upon which you and we agree. You or we may be represented by counsel. If you or we request the Arbtrator will honor claim of privilege "rind under sppiable law and will hoe bast aRals to prated ooddeM el kdormstim (fndudrg through the use of protective orders). The arbitrator wI make any award in wdkg and, at the they request of elver party, will pavida a wrbm statement of realm for to award. Cab. The party inWadrhq auhbaton will pay the Initial filing in. You may seek a wore of ere k0al thing be or any of tie Adminisbabls open tees (cotedively,'Admnbtralors Feesl under any applicable rules of the Adrtioistata. if you seek, but do not quality for, a walver, we will consider air wrMm request by you for os to pay or reimburse you for at or part of the Administrators Fees. We also will fry or reimburse you for aI or pedof tie Admnisbabrs Fees I the ablmfor detenrnnes there Is good resew fa a b do w. We will pay Any fees And costs we am required b pay by law. Otherwise, end aacept at provided In ads Agmor ent you and we will beer Al of our respective fees and costs (ndudkg the Ad k*ft ra bee and the fees and cats relating to slbneys, experts, and wuneem), hegardbu of who isnismis. Allocate of fees all sets Misbg b appeals in arbitration will be handed in the some manner. No Consolidation or JokWu of Parties. The arbitration of my Claim must proceed on an ndividual basis. even I the Claim has bash asserted In t our es A dap ad(1rn, Private wtomey general anon, or oher neprssetnbilve or collective action. Unless At pates consent nether you nor we may join, consolidate, or othewise brig Claim related to two or more accounts, ndMktels, or acoom holders In five same abbatioru. Also, unless at lorries consent neither you nor we may pursue a cop anon, private Attorney general action, orotsr representative or cobd w action In arh6stlon, nor may you or we puma such K §m in Court I any party has etecod arbitration. You will not have the right b ac as a cop representative or participate as a member of a class of deknanis with respect to any Chaim as to which Arbitration has been elected. JudgwK Enforcenrtat, Finaft, ad Appeal The arbitrators decision wilt be yard and binding after AReah days unless you or we seek an appeal of the award by making a wdton request to tw Administrator. The appeal panel, which will moist of three Arbitrators, wI consider all tsctsal and ogd loses anew, will conduct the appeal in to some maoer as the Initial arbftd n, and will make dedeipm based on to vats of the majority. The pahars dedsbn will be final and bkdkg. Any end dedsicn of the aWbabr or of to appeal panel is arb)od to judicial review any as set forth under the FAA. An awed n abltraft will be enforceable under the FAA by any court having jurisdiction, Miseelanous, waiver, SAveraWNlyf, Su teal. It you or we do not ailed arbilydon or otherwise enforce this Arbitration Prevision In connection with any particular Claim, you or we will not waNa any of to require aublMorn In connection, with that or any otis Claim. This Arbitration Provision sham suvhw: (Q suspension, termination, revocation, closure, or changes of tiis Agreement your acocuot and your reotlardnp wO a; (m) lire badmptty or Insolvency of any party; and (11) Any trambr of your aocoont or any amounts owed on your account b any other person or oft. If any poNan of this Arbitration Provision is dawned haft or uenbroeeble, the remaining portion of ens ArDlhetonh Provision slag reverteop remain vain and n foa. In to even red a con ornoosotsry bantam ens Ardbaton Pmviafon and the otter provisions of this Agreement or any prior agreement this Arbitration Provision awl govern. W 2002 Caplol One Servkns, Inc. Capital, One is a federally registered service mark. AS fights reserved. Exhibit B Same money with a Home Equity tine of Credit Rates as low as Prime, currently 6.75% APR* ¦ ConseNsts debt, make home ¦ 180%taw4eductlbte httmest improvements, pay car loans-you Choose (chedtwith your tax adviser) ¦ close yew loan in so days or less ¦ $0 closing cost options Call your Personal Nome Lowe Consultant today! 1-800-760-2607 12r Mon-Fri 8 a.m. - 8 p.m. and Sat io a.m. - s p.m. ET Or apply online at Wlrw.cepitalonehomeloans.com sar+sasraas 'VSmsalesnnwl manM?Il+hed In tie ?NmeyalnwmYq"xalon arflrc Wa950roer/eumelm LENDER wh+/oS MWmum APRb+69t 5re mass fara00WrellmpoMminkm L Preferred Customer Number., 7184 046 283 4564 Capital One is an Equal Housing Lender. 6?r1F iV! Kis PLATINUM MASTERCARD ACCOUN'T' NOV 20- DEC 19, 2005 5291-4923-4797-3055 Page 1 of 2 Payments, Credits andAdjustagentp Previous Balance 3117524.21 1 15 DEC PAYMENT RECEIVED - THANKYOU 3345.W- Payments Credits and Adjustments 3345.00 Transsctioas $117.19 Transactions Finance Charges $47.52 2 11 DEC SIERRA TRADING POST CHEYENNE WY 3240.70 New Balancc 311,643.92 3 12 DEC TURKEY HILL #0236 Q¢9 MECHANICSBURG PA 5.00 Minimum Amount Due $349.00 4 13 DEC PIZZA TOWN USA MECHANICSBURG PA 7.05 Payment Due Daze January 19, 2006 5 14 DEC TURKEY HILL #b236 Q§9 MECHANICSBURG PA 16.22 6 1S DEC DAVENPORTS ITALIAN OVE MECHANICSBURG PA 19.97 ,T,ouL Credit Lime $12,000 7 16 DEC BOSCOVS #012 CAMP HILL PA 101.39 Tonal Available Credit Credit Lane for Cash 3356,08 36,000 8 17 DEC CRACKER BARREL #550 MECHANICSBURG PA 18.42 Available Credit for Cash $356.08 9 18 DEC MCDONALDS W788 Q37 MECHANICSBURG PA 8.44 As a valued Capital One wstomer, you are eligible to receive a free Year-End Summary for this Atyourseryice specific account that recaps your 2005 chargeq provided your account is in good aamdiog and T. 0-B Cwtomer Rdsdo a to report ¦ last or rttim sad: you have made naruactions during the akadar year. Rem all 1-877-794-4487 before January 31, 1-800-955-7070 2006, to reserve your copy for this low-- Orden will be mailed out by the end of February 2006. We appreciate your bmaew and you deserve great bemeft We'd like you to know that your For free online s xaast w.ice.ad apeeinl cw0osia alias hoe o0- to Oom.wmlaeditcards and di CC card benelits haw m t i ? www,° ao.com p'?' ng ? Guide Benefits li nk a i" f dickntthe Send Psymmu to: Send ingoW. one Amt R.... =Proc-iag Capital One Bank Capital One P.O. Boa 79MI6 P.O. Bea 30285 St Lame, MO 63179-0216 SL.C, UT 84130-0285 Irmortant Account Information Ices Cosppetdts1 One Bowl week tine again! Tune in to ESPN and ESPN2 starting on December 20 for the best in post-uason college foodA action to we your favorite in= fight for bmvl championships. And on January 2 at 1 pm be sure to tame in to ABC to watch the Capital Out Bowl live from Orlando, Florida! FinanceChalice P4Werare McSiA*rnrpwtantinf6rvwrim Bar-wm* liri.& 8 q?*rat0 PA ndr PURCHASES $11:87.29 .0136ND 4.99% $47.52 CASH 3.00 .05425% 19.80% 3.00 ANNUAL PERCENTAGE RATE applied this period 4.99% PLEASE RETURN PORTION BELOW WITH PAYMENT CW 0000000 0 5291492347973055 19 0000000345000349004 M r a u p r i n t w o i t w g a d 6 i r i r u a c r d / r-vwilrM,grr M a o wwgK.wM kink New Balance $11,643.92 Minimum Amount Due 3349.00 smee Apt: Payment Due Date January 19, 2006 tray son zs Tool enclooed t Home Phone Altercate Phoaa AccamtNumaber. 5291-4923-4797-3055 • EmailAddma #9035449838460516# MAIL ID NUMBER Capital One Bank !S STEPHANIE K SPOTTS P.O. Box 790216 Ill[gill unlll+lnl .? 1110 RIDGE DR St. Louis, MO 63179-0216 MECHANICSBURG PA 17055-4483 I+II++++II++++Illttall+I++Ifa++++I+1+++II+II+a+++il+Il++f++I+I lacerIII++rlfl++r+l+l++I+I+rl++l+t+rllr+I+r+ll+++rfltl+++r+frll SIMME Pharr urueyour aawunt nmrber onyxx rberk 0-r nom y ardonadetayablr to O pitalOveA mk and Haul rn for rnckved arvr/o04 10-day daim calculated from recdpt of completed application and all required supporting docwntntation. $0-dozing-cost option not available wirb twat rate and requites minimum loan amount of $80,000 with a $25,000 minimum draw site. Offer intended for quakfied applicants only. Terms ate subject to change vithout motles, Not all ban products or arms are available in all states. Actual loan arms are subject w qualification for income, credit and property. This is not a commitment on make a loan or a commitment to the interest rave. points and fact for a ban. ® 2005 Capital One Services. Inc Capital One is a federally registered servia mule. All rights reserved. to>? r_ 8 d 0al 1. lisw To AvW A Film CarV& t. areve Peril. You sA few • miimsn yaw psdod of psrbdc rW. To obtain 1M marops dolly balance for the tamanad by tiro emarnonn[ w• take tls yar aeca+a N n ter already been clos dl Far molawls, if your aWwdisd a purdrw From a merchant and cos . 29 days rAdwut M1hrhteqw?rye an raw pucrws, new balance tranNrs, nsw spade. suerer and new ad- ' ' balrw d each esysws sash dey, add are/ now non ii m eahdn wpnwn and suntract low pymw? a M males the transaction hr rie mordant after your account has bean taowd, vow seems A be nopersd, our .0 A be added m h f th d Balww , h chwpas N you pay Your mW aewrde nce vtilh tlr I powrw Nsdw for pa1*wrws below, w of Nat or credits. (N caw code R appears w Uw h mworent rood to 'paYrw wse gqu?y?Iei?d To; vw aMo d N the bal d "t al d d 11 , y t e anwuw o e wp_Y cod Yyoouu w???i be ngwsole ter perwww, N them H a fs M wive continue embarere M for our account and in firms for it m be tasdtd by your rod waalrrt dseiq deal. These is ro yew paid an cab wfraner u aros rh e nrw wbtfaCl saw unpai eep of each aepnwd.) The rhea us the daffy balame at each ff or ter each ll caw d bsY h p m y , m =.=h: ser+t by Nw, uml the sr been in k/ se dw*W of o . and special transoms. N adition, then is ran glow period on any trwamowd- If you do not pay the lead New a y n ?npp a mono T em cow It solme t for th bWiq pled and d idw fry to mail 7. Your, AeauaCYw cad or account cannot be MM k d bli balrw.' b. FDw" Chaps. Transaction wlach tee amt wEjser io a yaw Derbd are tensed fNrhw drrye 11 number of days N the ti??rrn?p posted. ThN One to now a nimpe dolly Memos, of mah SOWMM 3. sound Frewnp Ulric IAPM. uedin wase n v ato gam ng m UNNKdas. S. HOPe Abet 9ecYwds am* Conversion. When you hen the doe of the trrwctlm or 21 from the dose de frwsaedon N pmwewd to you Account a 3) from the a. TM move 'Amael Pwwrwape Ram' may appser r APR' on tie from of tim steownrw. Pmwide a aback as pspnnt, you aWcda us either to haw Nfometin ban yes deck m make a one•nims fol colander day of the currant bf& pain d AddtlonrBy, N} rid not she Now Bdwtc from the pmiwa k Q b. If the code P ~, L Boma. UIBOFD, C ICertifcom of toad ppwn n to of Depasitl, a S 48ado:wd Podmosbddae ci fammat rod m 11r D dollc eleacrarie had uwwW from you bank Account or to chock trr radi wn. vw r a When pro ve the r N ?hean el sr m Me" to fwdod N kI, bents tMlpr cud b I yor unpaid Will- utl 16 ZVM QW-79 In Pad in 1W. s s T® P F M AWA7AL mom and foom ic be drawn v Md is r had. my your bank This news the you m still awe tinrnw, c hater, exert it you pay the soaks New Selects irdwad on the from of M" V"titarmdy may ftMn OF decrosa bard on ds emad indices, r stead in Me Will 9bsr sccow as snot as to sere day vse mcdvs your paymaa, and you rY rot maim your dsek back from you statement by the mad etawnem rdrirq data, but rid rout do w ter to pwAonw moalc Unpaid inane chuar Jovarr/ plus to meNin wMouelY disclosed to you. w de of you Than =" = you a Mkuiah. am mood to the tpplma6N aepnnert of your Account. ar each G rMt r O w F M n p C. R&A a Fsr w e C h D a dr - b; bio9 he mode yarParbdsweownrw wN er N t Janrry, ad Ocm b BILUNB MOWS SUMMARY (N Can Of Drum Or Wrado a Abaco You Ban 50 of $0.50 WE be ' a If to a p oa c Nn n e wd m ? teal R d u ou e dal Ya+ ? to Im"t of your UBOR ftpdcod o n odC ?m C F ? ? evict wMrrt tfst law l0 amount osgfd N then 60, vane OEAATFS PEACQ(fA AN :Y Ws aatenat. W must tg l dwm on rtes hat ou or t the 00 aft akim .rod the differers cote ba amount ban ter mahda rd vary y may incresea or deusmw Wed " r loud N The Waf $srrr JOo r pkw acted ihdme y yyes er ar Ma from you no n or ors tea on rMloh the des error w Fra amer You tern N bolted to the Pudwoar ppronww d r o nc td Twalmry Reduction cote lF irhtie tarps. We mrfv+the , the met h PoeworN iecbrd m you. Taw ahwgr i d con our t ua~ Relwtos manner, but ddro r M not dw iaaowir N MR On, i ht 00 to not raw am or as irnw deryr for any own 6rrip pebd MIi to aflecdw n de Nos day of Wo+ tABmp per o each. a it. p s. a, we proven your r g your nfamatiac V w owns and scoau a nw6m, dam dollar 2. A= Day Briscoe f Now P., 81 1. a. FYrre damp In calculated by ntJtiDtykq de daily 4. Aaeaeowt of Los. Om" smd NMaved PerAnwt Fsr. You aCmn voll be wasted no more than two of ties fir nd t i aut of the wspaaM sera, s desalpdn of as ever r and an eoplwtion, I Us you boo" rises Is ma N nwkn a description of belrw of ern d your eaoue Ss U. mdh e, species trrdar, rd 4p4zal Dudes) p Monson, n a d r s od. U o NOW hen Urt occur daNB any bliq per er tome d your cwamor ayewwa, vn, rwtw the rgrc m n anon, or you r des tome you we ucum about. You do rot hen to pry rry r ? h e n pa rh by the wnenpaw4 daffy periodic iaaelal that lee ben PAY dowsed to you. At to and of each day dais de Wft part" cos apply the Pedode nave ter rcfi - waive w not m ere arty far wldau pdw rdiwdon to vddeu walvkp err do/t to aver the err or *War o a Immr 1Ne. ronwt N colic we tee invsedwlie h, bur you am era o ad m prey des prm d your_ bill tIt are rvt we cannot N awatla+. vw irwsetloate yet w+ d rdr nyroama d your account m des . 6. Your Aarut N a membership fee to mister you r daanpnwt a sub rry actin m collect the = sepmww. Thin at the Mb of the pMod, we mod amp Sol nest of der dolly cola lad" to amn as your add h de c t W lA i d f appears an fw from of No amtenosrt, you hove 30 days from to dam Ws awnosd err MWW m you to ties be or m fun, such In MhW to you awd o* amour you qurtiorh. ecial Us For Credit Card Puhdhrr t t S p h wpma e P nner oorge or ea . Nk mo la from each am le to Orrin al the mall pnfudic pm n dally b l nce .ensures damp for your aooono. To ti k o a W i q p of you tens your atcut Duke this period, you may MOM to sea your acoout whMU having m pay to You . To carved Yam . membershi M , p It you how a phabiosm wNh to quality, d property or d kh s N , w or m s for each asyme as Wu aooarrt, w Wlwnce for each seprrt era1 md7 cry rw tmsaao ww , p . notify us by cW%V our Qronet Rslwiar Depaahww krdh the - N f e (m d N d you a cre t m an rrvkr trt you w h ydd N hitln m cwnct des Pdtem wish the and crypw1ofc trnrae anerpe ealaaaad an ties preNaa wer we now, INAM wry ds 1 1a the s ' p ew o m ance co yar mrMosMip boll islet to the cod or the WRydav pwiut madhrn, you mq have fs dyt TO m y the mnaiinp o s?t Yw hove this at des n she Of services lo y a wymwts a pedal peeled r d tretday testam aaocamd fl. N You CYa Yaw AewwL You con mpawt to doe er rdalable i C t b p p y tre . piy yArn ds aursher qtp era men fhn to diet sgnvoL TWO ghme us to copses defy balance man 9sc h wyhheot dyer nwoout. Florrsvsr, if you cod the us y w ao your seem* g w naparawR You n et dwmsy you credit mndW and d biti f l d ll i ?6 cod tfr paclrw err made kh yon ogres su» or within 100 thi , d your mmiq adorer. 0f Yes own a New Balwq dews n You prshiohw smmnem in lot for N yon row balrwc err rem a a credit rnarW, rw ed' urcMes w s ti M h ost m aw pram ng, scls, Casua a wr r accent actses c ad err usi yav accoam If you do rot crcal va wive tackier Drasudodred bihp arrYwmww apsram fs merchant, a N we merged you the adnetim me t lor the pvopaRy a may"sr as pacer uchow) t a be tin of d f r d p on v p y p trwwac C pudhave alp am not added m the daily bdwwn. We B d d l b b dd l . mwbt d a dirge Your wNaricrin m aw accout wil not be closed owum Aditiotwy p sa o r u a are wn,r mgr Raw rerwrbr m aipn d co rmpandnce. rq m t y arw y s am caladaw the average daily a balrsse topeaer and dlNdnp tlm wave by ties maribw d , y m . uaB you pay r rases you mw tam NokkMog cry Obr not &A* to eaNwrr nnraedl Cold wooans t tam days N ter aarwt bang Vol& To caloJete Vow tool irhrncs dap, nmdtlply Your avossga d %bYa = I tam f d N tlr hioh tl b b all d trarsdlwe you Inn, d, tisrw drryse, pas des few, ov~ to", cod Pam" far, corn ~ tow awrsed m yo r mdvrhw fir ad c : Dose not appff m Nxiner nvr - vdit card acrnno p y ram r s ovan er o ays y d lDue m mudnq an a daily bseis, trm may be a ge affix n,drww bowman fde calculation a d is amo nt of itrw dhatp aaw wv ausssd. ry so-Am You are nwI - III for Crew rum whedv r #" appar n yw account at the man yyoouu oil get m dose fs accour w they an, imwnd wnreguaft m Gdtal Or wppats Nfamaden privacy promotion: w our rt wvrvv. can. i d c l y s b. If the oaM 7 ter N appwn on per fraK d this oaamert " " yar mgiwl m Claw tam awash. Tfia very =1 N es Mw Y ee - aM o a?wrd aevk+ mark a ap Capitol Oft is a fdmv# Cher financial Cbryoatkn. A71 raven orsnw ° 2003 Balrw Rase Ayplsd To, we mm?OPlY fw rod m avxav dMY ;em_ _ _ _ _ _ _ np an You s dw9a ygsr m r Y h.arrnd aataut m tam doro w do r.m.:e t AK Capital Or rn d foe smcwnwt avl yaw dsek kryonwR IlatNm Payrsow you mall m uoera be credald m Yes attest w d fw bowies coal nn, revive k, PmMded (1) Youend ms barter pod N tlhs snclord nsniaanw wnelapa and (2) yourinpryment lee nwkvdN w aromeelr wnler by3 p.m. ET (12 noon PF), Plsese allow at Net caw (i) buirse drys for prml Payrrnwrm recaln,d by W m shy odes locatiwn w arty other form nodal rte 6e aedited_ r d tam dyayy we recave tlwm. Ou bakrw days am Marhdey ftouyt gapada?, rodudehg Ya. Phan do raw use napes PaPw ep em. wlsn pnrarin?a Yes W 1. Wren nerd usa dscWU, you awhoize us m make a afhe manna alectra is trimm r debit from yaw brdr w tomb char ipYM your n`kTNae a p dpn - m aA dre?ik Via" ties bWAV cycle con if ewm by sonsaw des. R cos mnet pmmr is transfer, you MMriro the check, a paper 5 201564 STEPHANIE K SPOTTS, Save up to $400*or more per year on your auto insurance. QWffM0W%I insurance services' One-Stop Shopping for Maximum Savings: 1 easy step compares rates from up to 5 top companies Free, no-obligation quote Save up to $400 or more per year! R n] Call today (800) 993-5067 or visit w1vwA*G%*_ffKr_NoW.aam Please indicate Promotion Code 8800713757 Personal Insurance Agents available to take your call Mon - Fri 9 a.m. -11 p.m. ET Sat 11 a.m. - 8 p.m. ET tApllila 0Wj insurance services- calltoddy Pap z of 2 (800) 993-5067 or visit wwwA oIlMylnsurancsNow.com STEPHANIE K SPOTTS, A few minutes of your time could be worth up to $400 or more a year. Find out how much you can save with a FREE, no-obligation quote. After you choose the policy that's best for you, we'll take care of the rest. In one simple step, you can get up to 5 competitive quotes from leading auto insurers. Because the quotes are tailored to your specific needs, you can quickly compare them to your existing policy and see how much you can save. It's a smart way to shop that puts you in the driver's seat ... and in control of how much you pay! You can easily get a free, no-obligation quote right now! Just visit wvwv.GotMylnswanc*Now.com. Or for personal service by phone, call (800) 953-5067 to speak with one of our expert insurance agents. Find out how much you can save in as little as 15 minutes. ? PLEASE DETACH ABOVE ? 201584 You could save HUNDREDS OF DOLLARS by calling TODAY. For even faster service, please have the following available: • Current auto policy for comparison • Vehicle Identification Number (VIN) • Driver's license number • Promotion Code 8800713757 Get a quote where ins convenient for you I Detach this coupon and use it to get your quote. M ' Savings amounts are based on Insurance premium information provided by purchasers of insurance through a similar program, from 213x2004 to 1111112004, platted by the licensed agents of InsLogic Corporation ('InsLogie°), an afffUate of Capital One Bank, CapiWl One, F.S.B, and Capital One Financial Corporation (collectively, "Capital Oneh. t Capital One Insurance Services and Capital One Auto Insurance are brought to you by Capital One Insurance Agency ('COIAJ, an affiliate of Capital One. COIA is a licensed Insurance agency and provides all information regarding available Insurance products. Insurance products are provided by non- affiliated participating Insurance companies. Applicants are Individually underwritten and not all applicants will qualify for Insurance. Not all insurance SOONER policies and product features are available In all states; this is not an offer or solicitation In any jurisdiction In which the policies or product features are not approved for sale. Capital One does not provide, endorse, or guarantee 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; THEY ARE NOT INSURED BY THE FDIC, aaaar. ANY FEDERAL GOVERNMENT AGENCY OR CAPITAL ONE. Your decision to purchase insurance and your choice of an insurer or agent will have no effect on your eliglAlty for any Capital One product or service. aar_ ¦ ¦ © 2006 Capital One Services, Inc. Capital One Is a federally registered service mark. All rights reserved. ?e Islands fs! ?irs Of 15 Our customers lower their monthly payments an average of $400/mot with a Capital One" No Hasslesm Home Equity Loan. Call toll free 1-800-760-2493 112t or visit www.capitalonehomeloans.com ' Iowa average monthly payment claim based on first month's payment on non-purdum loans, exclusive of closing costs, that dowd between 3/1/2005 and 812512005. Actual savings may vary. Capital One is an Equal Housing Lam. See reverse for additional important information. C C W a PLATINUM MASTERCARD ACCOUNT DEC 20, 2005 -JAN 19, 2006 5291-4923-4797-3055 Pagel of 1 Account Susnanmty Paymena, Ctsdia and Adjustments Previous Balance $11,643.92 1 27 DEC SIERRA TRADING POST CREDIT $10.00- Paymcnoy Credits and Adjustments $4,010.00 2 14 JAN PAYMENT RECEIVED - THANK YOU 4,000.W- Tmnautioro $248.60 Finance Charges $47.05 Traanctions New Balance $7,929.57 3 18 DEC TURKEY HILL #0236 Q¢9 MECHANICSBURG PA $10.97 Minimum Amount Due $237.00 4 20 DEC WENDYS #$'1130 Q25 MECHANICSBURG PA 6.11 Payment Due Data February 18, 2006 5 20 DEC TURKEY HILL #0236 Q§9 MECHANICSBURG PA 7.05 6 21 DEC PIZZA TOWN USA MECHANICSBURG PA 721 $12,0000 TTotaotal l C Crreeddit it Line, Credit $ $12,43 7 23 DEC SIERRA TRADING POST CHEYENNE WY 18L95 Credit Line for Cads $6,000 8 30 DEC TURKEY HILL #MM Q§9 MECHANICSBURG PA 11.70 Available Credit for Cash $4,070.43 9 30 DEC MCDONALDS F15788 Q37 MECHANICSBURG PA 6.12 10 31 DEC MCDONALDS FL5788 Q17 MECHANICSBURG PA 6.33 11 04 JAN WENDYS #1130 QgS MECHANICSBURG PA 11.16 At yoursuvice T9 all Llummar Rdsdom a to report a last or stolen amd: HELPFUL PAYMENT HINT: We understand that making only the i..i,m m payment nay be the 1_$00-955-7070 bat choke for you. However, Youll paykas iataest and repay yotu balance sooner if yes Pay more than the minimum whenever possible. To explore the impact of making different payments, I. five online somint sadoa sad rpedal -t ma a&n, In 0o roc: visit wwW.Capitalonexom/aculator. w ragialvn-aI This account's Non-Introductory Rates as of 12120/05 are: ptirchaw A.P.R. = 4."9k Cast Smd P"Pam,tic: smd'utq iris ro advance A.P.R. =19.80% and special transfer A.P.R. - 6.99%V. If the A.P.R. is followed Arm R,aimis ee PtvoatiR by'V,' then your corresponding A.P.R. is a variable rate. Capital One Beak Qpiht One P.O. But 79MI6 P.O. Ban 302 St. Louis, MO 63179-6216 SLC, llf 84LV-O 5 F- mtce Charges Pkweta re vaivsidefir Important iofwawrion Balmrardr A," Cor.spawdly lP RR Me& 4yJwlr9 rl* Q P PURCHASES $11,10337 .D1367%D 4.9991 847.05 CASH $A .05425% 19.8091 f.00 ANNUAL PERCENTAGE RATE applied this period 4.99% PLEASE RETURN PORTION BELOW WITH PAYMENT CW 0000000 0 5291492347973055 19 7929574000000237002 Phax print waifwgad&- aal/arr-wail tl,w;n kba+anwgHarwb4cF ink New Balance $7,929.57 Minimum Amount Due $237.00 su«v Apt I Payment Due Date February 1% 2006 cay snu ZIP Total endosed $ H.-Ph.. Alm-irP6ass Accom Number: 5291-4923-4797-3055 MZAddmr #9002049838460513# MAIL ID NUMBER Capital One Bank o STEPHANIE K SPOTTS P.O. Box 790216 Illnslluulullslrrl m 1110 RIDGE DR 'c MECHANICSBURG PA 17055-4483 St. Louis, NO 63179-0216 IIIIIIII III oil 111111111111 1111111 111 111111111111 Pkase w, iteyotw a &w naraber onyxes cbak or woney order wade payable to Capital Ow Bank and wail in the em1wed mvd*a The best home loan is hassle free. Rates as low as Prime, currently 7.00% APR* J Experienced loan consultants f close in 10 days or less f®S r? ® www.capitalonehomeloans.com I call toll free 1-800-760-2493 Preferred Customer Number: 7468 036 284 0588 ` Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-1 p.m. ET ' Variable annual petmttage rate as published in the 'Money be lnv=ting' section of lyre 1Wau Sorer Jba»ral as of 12111/1005. Maximum APR is 18W today claim calculated from receipt of completed application and all required supporting documrnntion. Offer intended for qualified applicants only. Tema are subject to change without notice. Not all ban products or arms are available in all ant=. Actual ban tents are subject to qualification for incoma, credit and property. This is not a commitment to make a loan or a commitment to the inten=t cam, points and fees for a loan. 1. How To Awtl A Fkrron G1msrGe. I'*. Gran rwbL You VAN Mw a niitsaru 4ace pwkd d rap podrws, row 26 day rviVmota Rtrmc. charpo on now bdarra u.wftn, row apadal ourafrar area four oth« 'O ba tram da O k. Odom" in dart, if o« lrtai ort MNw f« Prynrwua bdaw d --Wm Im «cos . aratrnant n 1 p acavd n be ?e ? r o ? i ? == arr euh ad TMn i p air rp d q. d d d h i d wdr + g aa nwrC TF o s rm ¢ma ps an and tPeciY Utraare. in addtlorn, t on any trwoaokn if you do not pay the WW 'New O sop mm for b. A.arrmp raaran taarye. Trrrwtar wtich avenot 1 of I- dada 3 N d= o"m to a i?? pwW are woom ad *hrme drrr ) Im n to data of no transaction or Y) hon OW daft to . ara a a. The on 'A vasontion is pocorsd to your Acmunt or 3) ban to APR' m It first calendar day of the moot bNig ewl Adddondty, k b. If 1M cod I « D dt aa W dad rot pay tlr claw Balrnee surd to prev , opo .wu"rte I, - ummara . balrw is amid In U. rotas and m t c. Ninkoaa FYtrre drrM For inch bN&V fodW that A in Ow mro n = your mocooa Is wbpa m a Mta dams", a m c. If do code t he FMNCE CPARGE of $0.50 VA be ff UOOR ? l a r tool finmarma -,* from t1o o rye Is Mo. "Mode ? st avaarwn t i ? ry ? t wM bee ird ttre brIsd a tw puMor aq?wnt d sacarn. wwve do a W Y FY v maM i dared YdC ew rr ' arP. e r r rrra t td. Taaporry RAaM6n ob man oW w d Mo charges for any giwn r Aya m each mond p « 2. AVrat• WOioe 1Yokri?O IMw Plydwl. lrr do daily kJaled b mdMi l h fi I 4. Assonant o your mcmurk N y p y nance, C omp a. n a Oda nom of ram sopm an of your aoarsx a.Np.. ads m&vnee, pudaae, wKial tmnsler, and apaeiN purdN IBM lam de, area of your by de, daNy P•Mc rate,id p-* dart hr bassi m you. At 1M and of much day damp kda ram kr whim tlo bidMOV pssk4 we apply de, h1 d y p ss waive « not widow V ha a sae, 0" w y b l 1tYrno Thnnoaths dfda bimN pwW, we add dap at de, Cwda d deer CgNy - vv ou 6 =n m th Jaye, lean de, e, p up to P drops ssheh ., . . Al nK l a canod if f es wr cat uv s at at r r O I a I facts facts each re bafrtohmoe III a drove, for vow ae ac ur co ourx. To tw tla de,my p mrnee da V y I oaxYa r W u m o WWd Dq mot baw tWM'n Y faNha o« rect 6 Pnhlssn with the d ? P.W. ams ? nardart, you nay hew to W rat mpay to rrnsY'in,, sun vt do m the «servias. You cove the ? to C•4 w ar dit a Wd a d Barr prrxeWm My moon de, pada=== 460.00 and to puotaw wee msus a r coe rd n z bbirg, P Mft 100 sir of Veer m AhV aditn. Of m own a opwme to msschxx, or If we nWIsd you tla n ut iw MA la tla paparty «ssrvtow d Pdrdnesa advsndsmasnc an covered mprdew of amour beatlm of pudrw.l ndoasd nna«t bbe ? wW« to sign ON arresp ardwra. rwr itno a valm an; anypast t Dan not *Pry to consunnr mrraye,DR cad ocsvtaw symara tow, tam lennnad m your t Lbw sot appfy to blrAna awn-cned ant ocmurts y ay"oru"a? m aannqura?to w Gcul Om PAWto hknadm p ivwyy prasakn: an tar w dWalu? 1. == aaNa mark of C^*iA of tart day tut are arocaW 0. us do sepstaa daily bdarar roourr. tlor w,s itwxyes), to r or Maam (w to w « . • credit arrauxt, law w. your aaaax N k fan ahesdy bean ii iou authorioad a Pa?iraae from ¦ u s y =JAM, , r?ara m v? O aM irwarM Nra6q b- S. Nodes A6at filnobrdo C hook Cawarskn. Man you ditim f appwr a ?ft fmm chock mako, a cow thro to C (GrtPoaba 0 skenta a freed tri aar from your bardk account «a rI to g P ? M at a transaction. Vow f rrr a d..k to mko, an ` a WM?C M h w ,or r PEf A mdMa ' naNSr or decors bated t M ar, o rrrr st?asn as soon n to soma day wee M-1- yarc y y as found in The Wad srat leas psymsss, and you will not naive Vas dwck back from , nrrginpr?,q? disclosed to you. V ba ow o to oat day d your your NnancW Institution. end by your f?k? aatssnam sndrg nuary, gprN. ,k/y and Ocrober. BILUNO FNOWS VWMARY On Ga Of Erma Or Qwndao About Yow Si) Yee). F (1ado. UNORI «G (3yra. I7 you Wnk yoV b1 is wr«µ «R you need npn Maury) n the front of Voce It D tr rwstd o ?rio? man traWCta1 a hYl, wAU a a n a ixamatkn n ee act; shat a aeon r posaW. at the addM A r p W f st Z- AATFB may «d , band an ft al Wa f st , J s !a= If" aotKnw e mo irgir" shrom, m tom ftm o hear fm you no Isar than OD days aMr vn sax you tr first 0 on vWkt to puce or problrn apprnd You an ano , p s i ns . ady dloaoaM ft Tlaa rsrwga m tlnr *st day of lace Yirrrp Psdad Cat our Qrarra fkkm manlber, bus doap r wM nmDa prnarvo yrr data. In yur ka«, give r rM fd mnp o dorss nfomatlorc your ==% rahmbar, t 4 OorMN NW National paVrawx Foes. II aeteawd to man don Lora d to own fi do anon d = and m d 1M suoeapdm Isradon, ifs xM you bsYew tlon ie sad n !W a de«dptlon of marYa H r r dsNp any blip "Mod. Malmo Few aperrm, tw raa . me ddrt to an erro« 4 the lam you You d rot law m par any X== bee N es r h sw eery hew msdaa pbrorescam a (our mlpa ft awaa de, w «sldar , y amssaa n vdopry e vn retfr pars yai Yt m ati m d drt en rat " d N w. (.= your aRadtar, w. ar.rot m In gdn.den. stun to calm the f a d r moat it • rrhwrr ..* In t of Ws staIsnhwx, You have 30 rtrma or a o ty Plitt Vw wgr anau t you redac r u watwrrrx two nraNed m you yo m u n: w m have alldt it I i,t Spacial RJa fvr Cm.dn Grd Pu+cusaa A yo Yo mcWjv. Dubq tW a you maY K aoo scowl wd rvidraA ha" t t0 pay IM uraal veer aacurt, Yw nnuw i If you haw a padwr wNh lw quality d prapMy « wMaa tmst witlt -# erect ban and yrru g to day in to c rrssa arnp cycoe. IQ camaaaw 1•« uda y raw -rawm frames dwP, art y va average dYy Ymlenw 6y tlr ==:=- Ir our, owrrmit few, mmr p ddy raw ad try tlr raWw or days k11M brYq advrroe hr rd rW plot f 0 p sdodL Duo to mun&V n • daily brie, don may be ¦ mo mnt. you an reopo 11- digit A. b.W- V Io oalGtatohh and to amour of they appear m Y•ua gamut I i anoe draw aarrV asowwd clan de, aeewx w th y an b. Ineo¢ .Bdwm RawApplied T0,' kw rrMdply to curNan app todmitomov t n ymr ac Np«trt Ilstbw payrnwxs Vw Ina m no vA be I, Io * m ym acaua as of to buirr day me naive it provided (i) vour and the bottom poem d die wtssno t ad your chock h de, auckrd rwmhance arn.III, and (Y) Vau r C:W wa is rsodved in out c...ba .w by 3 p.m. ET (I i nom Frn. ) - cow at Mot Rve (N) MaYnw day. Yft r powat ds=Y- =d3 Paym.nft nwiwdRby?uM,at ahrY aWrmr« balm or rmy otMyrat+am nwa?yhtcaw be enyra3utW_ r d to day w)e ?i um m?ab dawiem ni akfoncbyd~ iaYe transfer debit from ? pbm?,not dM of ?rdack, 4'tre rMlamkaiiwh"ippaw mpd ctaoka sec ivM d 4i dadacka?Is if pant by sameaa am. If war caaot pocew the aarater, you vjdwdze for tlr amour 0. w to male a dare spairot Vas tank account ufrp me dark a papw draft w odror ham. In a low, FIMD 6.8600APR* today 50015 400WIth a Home Equity Loan from Capital One® ¦ fnnanUdate derta make home ¦ 100%tala4edactible interest improvements, pay car loans-you choose (check with your talc adviser) ¦ Cbse your ban in so days or less • $0 cbsiaa cost options Call your Ilersonat Nome Loan Consultant todayf Preferred Customer Number: 1-800-760-2607 75950282607331 Mon-Fri 8 a.m. - 8 p.m. and sat to amu - a p.m. ET Capital One is an Equal Housing Lender. 121 Or apply online at W W W.apitalonehomeloans.com LENDER Orte!?C- -- `Meal nbenaener asA tytaarV?mda,h?scl to Awry aloe aMlbhed on-cheater a-aua aF,00e hna andsa.9lam-neoan t?wlKwfio rd?ISysrfwdmea?m,dinmgge.I?ddunW Eennand wanlw+POb sanNxhr inporlyd?/?Aa? C /CW PLATINUM MASTERCARD ACCOUNT 5291-4923-4797-3055 rou" ! LAHRS JAN 20 - FEB 19, 2006 Page I. of 3 Account Summary Payments, Credits and Adjustments Pteviau Balaace $7,929.57 1 26 JAN SIERRA TRADING POST CREDIT :99.95- = Credits and Adjustments $3? 2 08 FEB PAYMENT RECEIVED - THANK YOU 237.00- 8 Finance Charges 133.02 Transactions New Balance $7,772.02 3 16 FEB WENDYS #F1130 Q15 MECHANICSBURG PA $4.20 Minimum Amount Due $233.00 4 16 FEB MONMOBILIS 09988%9 MECHANIC PA 13.18 Payment Due Date March 18, 2006 5 16 FEB KENNETH &COMPANY CAMP HILL PA 129.00 Taal Credit Line $12,000 As a valued Capital One examiner, you we eligible to receive a Free Year-End Summary for this Total Available Credit $4,227.98 rpea& account that recaps your 2005 charger, provided your -at a in good standing and Credit Litre for Cash K000 you have made transactions during the calendar year. Please all 1-877-794-4487 before March 31, Available Credit for Cash $4,227.98 2006, to resent your copy for this account Orders will be mailed out by the end of April 2006. Atyouraervim To Call OUWC ear Rdatioas a W report a hat ear Alm sad: 1-800-955-7070 For fve.4moaowuntmvioeandrpeido wowo6as,lobooto ?.c4ftlon- Sand pq -b to: Sand inquiou I. Attn: Rw.Uanos Pcomi ie Capital OneB-k cgitdone P.0.1100%116 P.O. Boa 30285 S, Louis, MO 63179-0216 5LC,Ur$4130-0285 Finance Charges Awerlv nrumesdefiriarpar sgfwm4hm .? BAWWrnfr PniaTr ! N 4ylwdlo dPR ,ear 1PR PURCHASES $1,792.19 .OM7%D 4.%% M02 CASH $.00 .05425% 19.W% $.00 ANNUAL PERCENTAGE RATE applied thin period 4.99% PLEASE RETURN PORTION BELOW WITH PAYMENT C GW 0000000 0 5291492347973055 19 7772020237000233003 Pd-t-f,nad.,&dhmandkr r? d-Sw ar<oa,.nw Kw blant;nk New Bda= $7,772 02 Minimum Amount Due $233.00 sae Apt # Payment Due Dee March 1% 2006 - C9' Sum ZIP Toot endowd $ 1 1 lbws Phone Ab.m Ptaa Aao aNumber. 5291-4923-4797-3055 avna.wd:.. #9005049838460510# MAIL ID NUMBER Capital One Bank STEPHANIE K SPOTTS P.O. Box 790216 IIInrllullatllneQ c !? 1110 RIDGE DR MECHANICSBURG PA 17055-4483 St. Louis, MO 63179-0216 IhllrrhrillIII llltt11loll llihrrttlrlrrrllrllrehrrllrllrrlnltl lettlllrhelllrtrhlelttlelrrlttltlhhllthlrhhllrattllll.tttrlhll Pleae av'iteyasr atrosat nsmber onyxes rhea or womy order made payable to Capital OwBaak and argil in theewkved mvdopc 1 10-daYclaim, calculated from receipt of completed application and all required supporting documentation. $0-closingKOEt option not available with lowest rate and requires minimum ban amount of $50.000. Offer intended for qualified applicants only. Two ate subject to changevenhout notice. Not all ban products, or terms ate available in all sate. Actual ban terms are subject to qualification fur income, credit and property. This is not a cotmt(tmem to make a ban or a commitment to the interest rate. points and fee for a ban. O 2005 Capital One Servioes, Inc Capital One is a federally registered service mark. All rights reserved. ae?e mill I. tbw To Awd A Flnar. c7srp. to. Oros, Parts. You vAb how a mina, aeon Period Of 26 days vvMM I(nenee dole a Maw purchases, now balance Uwobn, now Spou ordwae and raw o0w l • BWnce' in if D t d b.. arm Oren you pay yes rape o a oocont o Mrh dos Mnporlrrt Notes for JI below arty , and in rims, for It to be credal by your mod stsernt rite dosing date. Thera is no, 91 pwlod an wan w1wi ces of" ad *PCW barTwe, ken adddon, then b not i fWa Paled eegin on any tnraWyon if you do not pay the total Now wpm balanI b. AAommiimp Fiaaw. fahep. Traawmm vMch as rot awn subject to a grew pabd am nose"W finance, diets, I I 3. Amrel from ow dome of the tnmec on or 2) from the ddb to a. The I aanaactan is pawse'to your Accent or 3) from tom APR ire c.lende day of tln ewMwt bin? =W. AddtlaWly, t I b. If IN D om PR ?)you dd err pay me New 8elalee I?f aeece dalgea wndly b aacrU. b t il in ill aps, tlnis S , d bslro tad Me usaid balrrce b Said h fuel. ratty to. MYnw File- C og% Far inch billrig loaded Most ( O of ? ?rpomI It tk Wlt E Ihm c. ? ar M ? es w aq y rp porlodo ratsts.1 lase Mrrn 10.60, tls vwiWtract that amaat from to 00.60 nhibnrn and On drm- -At be bird no to purchase im =0=:`W---1 d. Twporayr Radselfrr in Mr do V; not wdove any, or all arnce drMps, for any Own z. Avenge DNy blare rYAa raw POVII sl. a. Finance Grego Is calculated by WAWOW%tom day balance of each oegsere of you aa:ort (..Ill. . cash a. A Yr a advahw, ptedaeo, reyedd transfer, and apedal padre. e nMI Mat has been daily pedo d by tlw s,0 ? f h d A d on w o eac ay s go an prrviously 0 you. owq d, d a y 11o I= ? et f ies day Warty eadr Vnwt of Vo aooou 0s, t w o nom raAbiof M ::rA?-W?? of cdaone do0as to arrive p.riodo aeenw dear ge 1R each wprl'm. we add ly M1e ter n l paiod c ta unite fmm each soPmet b arrive at to to It d p ly tab to balance 11 t w grhwr?? aew urtTdv e? a alance r m1y? for •rrd ,,., winds enao deece calNme- an the arrMOUw r to, To obtain to avarop day Irlana for rM t t take to W b thi tar meow" N it Ise already been closed For aeenple, adres tam a mordant arr. we ou aWrwtred a (f arnwr , we y s wa ad WM baace of each amount each day, add any new Y p rs,catw tar trarrwtm from to meeh.rt altar your wall es to each Of aodeNappwn on 1h ffrons R ' A 10 Vow account, of to change, i be ? One amount it Vow, is a Balance am n*4 to ?ickrded in tlho balannw upai 1 Ilrrnance crryo . yyesou hrnwhe.raap foe for your azaaa, tlr foe VA caaYnue ) The gives rr to diy balance of each iunanl ?d g c b b N t f b be CIM&I b ow modem pamirtd by IN., .0 tom a in full an bkrd above t bal ce hoe been ac . yy ar ea om e rcw h fhwt ow add Or rime brig and utv/ds by the areal . coun an p 7. Ushim Yew Aawrad.Yw cord or alarm whet be t ba t d b f days In pislod- Tts tiwe r to ke segment. !de,. Raaw IAFRI. pm np marc eh v h.m. ue +m dons. 8. rbtloe Abed ileaewi cheek Cwwwvbn. When yes ArwW Wmmop. lira' may appear n = provide a dveck me Payment, you awash. us allw to . tom from d this M use lnbmwdm from your damele in make a ehsrimr OF 6'drnN, L (3ar. LIBOPo, C (Qalifuste of ehedronk ked treats nom you bank mcearm a to r S (Bartecand Piw! appsero an is hat of d M c n! as a check mUwwm'tkeamc eleGtrorniC ==-.11 from m e t o net nee to tom rata to corrwosndr? A1M LL PFACFIffAORATES ? lead transfer, Red. my be vhitdrawn ham your bank quarbity ed may Musaw or d.creee. bow w f Ses h fa r d k d d I acwut as awn as to war by we revive your . maa and ou rhiA rot roc" yes duck back from a r a e ta n ceo, as n lus ill. mardn priv y derlowd u you. t f b d s, t d M P y , Y yor aundel ieeimrien. ay o you rnpse will e e .c ve a om rot ed eovemd by your Wk do outman wxkq WILLING PoQITS SUM044Ry miss January, gpril, Jul ed October. 1 J (In Gse Of Errce Or Ousetlar A6aa Your B? r N ou n ed eon k if di bill N yno. L Will or 0 f3mo, r D lPdrl, F ( ndeed Msdsyl e?.?ar? on tom Isom of year nett te dos pedodc rail tom pebdc sun M e r wane,, o y you your fnlomrlfon an a tom swtlon or bas, vane to us an a eepeebe clad N aeon in poembb at ft addome for AOE RATES may gpdrq ANNUAL P?rCEti1 ill l - *am an do fret of ti A*Kno t. we may Ny rd may ins, no or dimensions based on tom W s SOMW Joarr( lus Th b d i le (rte tom you no Inner than OD days aM m sea you Mina Sat M on vtadn Vw .nor or problem apposm L You can u n e a es, r p n p niou11y decfos.d to yam. These dangse d f blli d call or Q mmooor Relater, nnier, but doig so vAt not in our Mar Vve V is lotowi ? War o netw a do first day o p Pe a p preserve your , y • hnfwnsdom your none and account amber, to dollar . of Late. Ovrapit ad Rra1M Paywad F.n. anw. of to mumpected error, a dseMptm of to arrr t will be mmewd Me roam deer two d ms inn ad an e planadon, ( You below tar he rt occur cult any big podod !Under the an error or N you rose a bwdodon of r cumber", apwwt, vve nerve tom do to the hem you am urea above. You de rot haw to pay try ' te asene only fn. copra prior notiwdun te M snout H vtife vine ate k, feu you sr tat as not tlt a t ie d ar walNrg our right to arse. the wren or , r Mme. atf Aeaott N a mwrbwtw in y s, paY om P as . in paaMc we inv.=4 vie eaert ,part you w dtah9ire as ry yo n r action, %muaUa^, coact the dlh n fraro of W. Sntwrnert, you have 30 amoum you . m dote Mal sutoment vase maD.d to you to to fee a to have cosh M cadtad to you T,t Special We For Credos Card Rrdrm e your accoure. Duke, No Irrho4 you may w your aaearnt whMS IaNng b pay Ms, If you have a problem wmh to quality at property or lam. To easvel your awovd, you mad acct our Qruner FbWAD . Department services tat you ilia ¦ erect cell and you Mw tried h hWn WD. on.ot tom praNar with Ma r'flew BallieW in fuel W=kK lg ike foal plot to tom ed d the tirtydaY Pnltd• , --het, ya+ sung' Irv tom dglrc not b paY to rwruairrq anhnhum dosa dos sups, or et . You hie tin p ty rte. Aeoeut sou con ,great to as,.. by co" our Camara Rrator a.drwr al m plea err err. than Pra.a' k and whrm tlr #60.00 ad tin. pmhw wee dos in Vote home ante or You mast dean" yam ahedl cord(. ad witch loon*" d your nma adder. m m own or we clscke, coned all praaalverizad bihp, operate the mecum, or if \w maned you the iy yam account R you do Intl cancel ( big artatVewn. vie vAl wribr adveNSwawt for is propsty or services. N prclreno " of error or bcetlah of pxatrw.) am o vemd mgw:an abarp Your eMaizatlen b e t l il gwse romenber r rraepornderws. N w any w y, 21 iROOM?YU accoun ewe ludo ? you saw, adrdLeed?, trnamee drape, post t Dots „ter AePyi' to canararar nwr•cvscl cad acmonra Matt fan, rsahah.d payment fen, cash h end my ad- fin ....seed to your t Dow not apply m bomow Mm crock card accounts t we spar.. far dnaee announce vdwiver an your account at Mr Mme you request to touter try am iRlrled s oeegrar t to Gd41 Ons.WPoru i tossed n privacy protection: we w at www.caoita?r cam. webae b clew tom aeceurhm. This mwY newt in atrg au Wrr eoauelt aMr Wt 1rw Capital err ale . rsderMY rowed service mark of Capital Qle FinRldal Owpoatwh. M milts awned. o 2003 r _.. ...,.r.. ?.,...,a.. ,d l i i Capita one po m orwed- Paaid an of tM day tat an -*KMW S. a f AK te to ee0 TWO given us the *operate daily balance oaldotla for each asIII of you ooco ra. Hammes. If you New Balance chow, a your previous sentiment in hd if you raw balance err wro or a credt amount), now special taadaw III - ages not your aowte, duly imlo nves. We all the rater of balances I,gI acid dv(drwg n: ,? daily g to dour In to Qrrerd big cycle. To wlosale your total W tom inncer deep, m 1y your average day balance O I dai Palode are and I On Mauer of days in tom slang p t Duo u roweling on a daily be" liven may be a t Ngit mwm tmvw n Mw eSicw~ rd Mw arrest of irrrnce orange actually awned b. if tie cods ZZ or N eeng an V. from d this sta hem m nee to 'Balrhw Rho Appkod To: " rradtlply tM krpeud Ibllec Payroede yes roil m r sell ba credal te yes .owusnt w d rive buirver der vie neceivm h, proWdod {t) you end rims bosom parties d tli sta[wnert ad yes dveck in tie ernalaa.d nmAdarnw amelopo and (21 your Wym.ro n received in w sehmmr by 3 p.m. Ef (1z noon Pro. Please aorv at bat ice f61 Wises bye far portal Pay"`= aoelvedabyy us at my other location or ipnn?pary other cur loon may not f» CMAW as of tlo W we regiw tem. Obusiness day. an Madry tswpb gatad.lvroanadudny_ VA. eard us W to make a ant-tow dmroric normal. 0" your acmam the arnoud- d tlndwck Tti aWrhbata sPPn. m all Ch.cb nwwd dmig tom Ning aYde wWenh H .cam M .wn.sr eM. Ii w. wrest prwse. tlr aaM.r. You aNrdL1 us, to make a dory. aping[ your bank account u skg the dmek, a paper trait or caner Itan. 4 Are you getting the most for your money? 201711 120 zoo too Annual Interest Earnings on a $5,000 Balance go-- 60-- i60 40 20 $12 0 440% APY* 1.200/9 APY*` 0.60% APY 0.25% APY capital One* Money Market Account National Average Bank of Americas Wachovia• i. s? Cwnp?dor can non information pulled from www.banWbnwKa.com and www.wad wo.com as of 7 ZQ*V5 Long New Yarn MWW MYaat ncmum MM ors assume f5,000 aaount balance. The above non-Caphad one service racks are owned by each respalive entity. AN nghft med. Capital One has no sif iation with Itme entities. Earn more the No Hassle way .4.00% APY • Open an account with as little as $100 • No opening or account maintenance fees • Easy access with checks or ATMs* 0 STEPHANIE K SPOTTS, Because you are a valued Capital One® customer, we think you deserve better-than-average earnings on your savings. Put your hard-earned savings into a Capital One Money Market Account and enjoy a 4.00% Annual Percentage Yield (APY) " Don't settle for anything less. With the Capital One No Hassle" promise, getting more for your money is quick and easy. All you need to open an account is $100 and there are no account opening or maintenance fees. Plus, you'll enjoy convenient access to your money through checks or ATMs.* And, you can rest assured your money is in good hands--because, as with all our savings products, you'll have the security of FDIC insurance. Take advantage of our great rate and get the most for your money by opening a Capital One Money Market Account today! Open a Capital One Money Market Account and start earning more interest right away. Call toll free 1-800-405-1001. Or visit us on the web at www.capitalone.com/sayino. Page 2 of 3 201711 4.00% APY You owe it to your money to open a Capital One Money Market Account. Your money will pay you back ... with (great) interest! Visit us on the web at www.capitalone.com/savings ? or call 1-800-405-1001 Monday through Friday 8:00 a.m. to 8:00 p.m. • Saturday 8:00 a.m. to 2:00 p.m. ET MEMBER FDIC Cil p1W One Bank Capful One, F.S.B. & WNW High Yield Savings Accounts ! Money Market Accounts Certificates of Deposit Questions and Answers about the Capital One Money Market Account. Q: What is a Capital One Money Market Account? A: A Capital One Money Market Account offers more competitive rates than a typical savings account while also providing check-writing privileges and ATM withdrawals.* There are no fees to open and maintain a Capital One Money Market Account; however, there may be fees in other circumstances. Q: What type of money market account can I open? A: Capital One offers individual and joint money market accounts. Q: How do I make withdrawals from my Capital One Money Market Account? A: Money market accounts have different rules for withdrawing funds than a regular checking account. You're allowed up to six transfers or withdrawals each statement cycle, three of which may be checks written to a third party. You may also use a Capital One Money Market Cash Card" to make withdrawals at any ATM that carries the PLUS* network logo. Upon opening your account, just check the box or let your Capital One Savings Expert know if you a? elect to receive the Cash Card, checks or both. Q: How can I review my account? A: There are two convenient ways: 1. Register to view up-to-date account information online. We will mail your account information once you complete the application. You will need your account number and personal information to complete your online registration. 2. Call our automated account information line. I Q: Will you send me statements? A: Yes. You will receive a monthly statement showing your account activity including your Electronic Funds Transfers. Your statement may be sent on a quarterly basis if there has been no activity for at least three months. Q: How do I know my money is secure? A: The Federal Deposit Insurance Corporation (FDIC) provides insurance on deposits in Capital One Bank and Capital One, F.S.B., up to $100,000 per depositor per institution, the maximum amount allowable by law. In addition, Capital One is a leader in financial services with over 45 million customers. We have over $10 billion in consumer deposits because of the level of trust we've built with our clients. m T 01 15 " As of 1 if the daily ha nce of this money ngr t account waF ;100 r ore the APY Yeas 4, I not APY as O.O o?' rmu initwl t mount i S7?0o Ire sand co?kans °{ t is sud to ch$ t at? ?re vana? an? arseo crw?nga. leesule?Oduce eammgs.thawal (Kimits pppria One Bank, members ap yhese eructs are oared y gtal One, S.B., a ** National average of APPS for money market accounts as published by BarmQuote.com as of 12/28/05. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. CaPAWIDW I what's in your wallet?' • ¦17 0 STEPHANIE K SPOTTS... just in time for tax time 201724 / tax smarts • This year tax day is the t 7th- it's not an April fool's joke, you really do get two extra days. Refund? Deposit it in a Capital One" High Yield Savings Account and earn interest. Owe Uncle Sam? Pay your taxes \ conveniently with your caR/.I Page 3 of 3 STEPHANIE K SPOTfS: At Capital One, we're always looking for ways to thank you just for being a customer. So let us help you take the hassle out of dealing with Uncle Sam this tax season. Here's how: -Save money, save time too-use the attached coupon for up to $20 off professional tax preparation. capitalone.com/savings • Eam interest on your refund-visit www.capitalone.com/saMngs for great rates on Capital One High Yield Savings Accounts. • Make it easy on yourself-pay taxes owed with your Capital One card, up to your available credit limit? Visit www.irs.gov for information. You can also check out more helpful advice on the reverse to minimize the hassle and maximize your tax savings this tax season. Thanks for being__ a Capital One customer, ff .WNIi??. P.S. Hurray! Because of the weekend, tax day is April 17, 2006- more time means less hassle than ever, especially with Capital One! Plan think ahead Refresh start off right Get Going make things happen 2D1724 CJ!~0W I what's in your wallet?' $20 savings on tax preparation Capital One helps you save on tax hassles and save on tax preparation fees. Take $20 off individual federal income tax preparation when you bring this coupon to a participating Jackson Hewitt location. Jackson Hewitt has over 5,400 locations* to serve you and show you how new tax laws can help you. Every return comes with a Basic Guarantee. And, if you file electronically with Jackson Hewitt, you could get your refund even faster. To contact a Jackson Hewitt tax preparer in your area, call 1-800-234-1040 or log on to www.jacksonhewitt.com. COUPON CODE: EM4XE Offer wOM 4/17x2008. .awe we reverse side W details on tons and conaxam. ...for your tax time savings 0 ...for tax time 3 smart ways to make tax time less hassle get going • Give yourself time and you're less likely to overlook something. • Collect the documents you need that may count towards tax deductions or credits. • Check last year's tax returns or visit www.irs.gov for the types of documents you may need for 2005. L og 15 get organized • Make 3 folders and label them: "Income," "Possible Deductions," "Possible Tax Credits." • Sort your documents into the appropriate folders. • Refer to federal and state tax instructions and check last year's returns for help in this process, or visit www.irs.gov. get help • Owe this year? Use your Capital One• card as a convenient way to pay.' Visit www.irs.gov for information on paying by credit card. • Getting money back? Visit www.®pitalone comisWrigis to open a Capital One High Yield Savings Account-and start putting your refund to work for you. • Other questions? Visit: www.jacksonhewitt.com; www.irs.gov. Or, speak to an IRS representative at 1-800-829-1040. o I what's in your wallet?* This year, do your taxes the no hassle way with Capital One. Jackson Hewitt is solely responsible for this offer and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee any product or service shown here. By responding to this offer you may be communicating information about yourself to the company that provides these products--for example, that you are a Capital one autorrw. .. Any trademarks mentioned herein are solely owned by their respective entity. tse sure that your tax payment and arty associated fees do not exceed your available credit limit To take advantage of these offers, your account must be open and in good standing. ® 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. e cwftwow what's in your wallet?' Jackson Hewitt Tax Service ko. (NYSE: JTX) is the second largest tax preparation service company in the United States, with over 5,400 franchised and oompany-owned offices in 49 states and the District of Columbia. Specializing in electronic filing (IRS e•file), the Company provides full service, indhridual federal and state income tax preparation and facilitates related financial products. Most of Jackson Hwffs offices are independently owned and operated. Good at participating locations and may not be combined with any other offer. To contact a tax preparer in your area, call 1-800-234-1040 or log on to www.jacksonhewiltoom. • NOW 11110111 FREE Accelerator ter the 16et 12 monlhee-a 060 value a 97 ? $ V • a more for Rent 3 fro ft $4$a.9&V= ttre ufw SIGN UP TODAYI ' 1-888-587-9669 Mention Otitw Code: EMERALD Or visit www.peoplepc.ooWgo/emeraM CapHaloW Accawt Summary Previous Balance $7,772.02 Payments Credits sad Adjustments $.00 Transactions $931.07 Finance Charges $32.16 New Balance 973525 Minimum Amount Due $495.00 Payment Due Date April 19, 2005 Total Credit Line $12,000 Total Arailable Credit $3,264.75 Credit Line for Cash $6,000 Available Credit for Cash $3,264.75 Atyoursetvice To can Casmmar Rdstioss a o1) repot a lost or *Am =%I- 1-800-955_7070 Foe fee *&a. a=wn unties sad spend avrhoma aHeas, Log ao to: nw -otalone nom Smd peymmts to: Send ingsioee tx Arm: Rossawos Pcooewing Cap?AOneli ak Capital One P.O. &a 790216 P.O. Bor 30285 St L-is, MO 63179-0216 SL.C, UT 841300285 Important Account hoformadon Please review the enclosed Privacy idformatim and retain it with your account records. Also visit www.capualone.con/aeditcards and click on the Visit the Guide to Beaefits lint to learn about your latest Viva. or MasterCard. accountbenefts. The descriptions in this online guide replace any information you received in the Pant. For a printed copy ofthe Guide to Benefits all the Customer Relations number on the back ofyouu tad. 8 peoplepc- online %._/ A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! B Virus Protection powered by syn tac- ® Pop-Up Slockerm j Spam controls ,gimo ' Smarter Smart Dialer Technology 4® IV More Email Addresses ® 0 Internet Call Waiting PLATINUM MASTERCARD ACCOUNT FEB 20 - MAR 19,20% 5291-4923-4797-3055 Pagel of 2 Pay--tIN Credits andAdjustments Your scheduled payment has not been received. Please rent: the amount due appearing on this statement If you have already mule your payment, please accept our t -A- Tn wtiom 1 18 FEB MOUNTAINSIDE SKI & SPO MECHANICSBURG PA $137.00 2 19 FEB EXXONMOBILI8 099880,19 MECHANIC PA 6.96 3 21 FEB MCDONALDS F15788 Q;7 MECHANICSBURG PA 14.86 4 22 FEB AMOCO OIL 0695SQ99 MECHANICSBURG PA 22.75 5 22 FEB WENDYS #1130 Q$.5 MECHANICSBURG PA 5.25 6 22 FEB TURKEY HILL #0236 Q§9 MECHANICSBURG PA 8.98 7 22 FEB CAMP HILL ANIMAL HOSPI CAMP HILL PA 221.00 8 23 FEB TURKEY HILL 00236 Q§9 MECHANICSBURG PA 8.32 9 24 FEB AMOCO OIL 0695SQ99 MECHANICSBURG PA 23.79 10 24 FEB MCDONALDS F15788 0,17 MECHANICSBURG PA 7.78 11 25 FEB TURKEY HILL #0236 Q§9 MECHANICSBURG PA 10.18 12 26 FEB MCDONALDS F15789 Q17 MECHANICSBURG PA 7.46 13 27 FEB WENDYS #1130 Q$5 MECHANICSBURG PA 12.77 14 27 FEB MCDONALDS F15708 Q;7 MECHANICSBURG PA 8.46 15 27 FEB EXXONMOBIL19 099880,;9 MECHANIC PA 14.51 16 01 MAR WENDY$ #1130 Q$5 MECHANICSBURG PA 8.77 17 01 MAR EXXONMOBILI8 099880,19 MECHANIC PA 13.48 18 01 MAR CAMP HILL ANIMAL HOSM CAMP HILL PA 10.96 19 03 MAR WENDY$ #1130 Q$5 MECHANICSBURG PA 9.82 20 03 MAR TURKEY HILL #0236 Q§9 MECHANICSBURG PA 10.87 21 04 MAR EXXONMOBIL18 099880,19 MECHANIC PA 11.94 22 04 MAR CRACKER BARREL #550 MECHANICSBURG PA 24.36 23 05 MAR TURKEY HILL #0236 Q§9 MECFLkMCSBURG PA 10.19 24 05 MAR TURKEY HILL #0236 Q§9 MECHANICSBURG PA 6.63 25 06 MAR WENDYS#1130 Q35 MECHANICSBURG PA 9.59 26 06 MAR TURKEY HILL #0236 Q§9 MECHANICSBURG PA 6.56 Fasanca Charges P/eatetse rxcwnJidsf6r isepvrtant inj6rarM on B.f-a.ah i''rrrair iffwlto E ra# dPR PURCHASES 18,402.64 .01367%1) 4.%% 832.16 CASH A00 .05425% 1950% 1.00 ANNUAL PERCENTAGE RATE applied this period 4.99% PLEASE RETURN PORTION BELOW WITH PAYMENT CW 0000000 0 5291492347973055 19 8735250237000495003 1 kWr f,rxr,aaiGwgddn. ana/a.s-east! ?lrwgn Mwu asing blur w alit in::k New Balance $8,73525 Minimum Amount Due $495.00 sa..e Ape* Payment Due Due April 19, 2006 Cosy Sea ZIP Total enclosed $ Home Phm Ahsm-Phone AccountNumbe 5291-4923-4797-3055 0 #9007849838460511# MAIL ID NUMBER Capital One Bank STEPHANIE K SPOTTS P.O. Box 790216 loll l41elIl{satlulul b 1110 RIDGE DR H > MECHANICSBURG PA 17055-4483 St. Louis, MO 63179-0216 oo 11111141{{rnslll11uHall llr11rrLLrrlLllr41rsllrl6tl41Irl {tni{Imllinu{slatLleele,Isle.{Ireletr{Irrrr{{{letter{r{{ Placewriteymvamountnsarberonyxw&arkwmmvordermadrpgwa ktoCafuaJOrreBanEm+d.railinrbeenrlaredenvelspc peoplepu online %--', A better way to Intemet. UNLIMITED INTERNET ACCESS SIGN UP TODAVI 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplopc.com/go/emerWd PWW)C is soley respora6M for this olFer, and M not AkW with Capital One. Capital One dos not pnwbe, andbrse or guanines, and is not aN' I vdh, any product or lwAce shown hero. Any sadernarla mentioned hem are eddy arced by the respective ere%y. aright reserved. By Irpo&V to ft o* you may be cannnWft kllanallan about ydrsat to the company thus provides the vodat - for example, mat you we a CepiW One custaner. 'Pw*K Odom Post 1 mwft are billed a IA97 per month; $9.95 per math tweafta. Offer avaWbb to new dW-W subwdhes at least 19 yeas of age end may not be radesi ed with any other ode. Offer subject to dterge at any time. Phew tednkal suppon mnlabis for 11.95 per mMNe. tAccolersar is fm for 12 render. Oda good fa limited *N. ARN the fist 12 M!'" the Aacsiomw service va who metialy mat to the owalwd Pol;As C Ordnw aevica. Oda wijed a chege at NOM. With PerpisPC Wall Accelerated, certain Web pope tad and Wsphice fill bed tsar when compared to standard! dial-up Internet servba. Adaatl maUt may vary. PoWIePC Ordne Aaobrated is any compatible w0i PeoplePC Online internal service and apadled Wlndwa® I maaas. PwOOPC Online AoaNrated is not bapebbb with Wrdavae 95 with E 55 SP2. Service riot evadable in au aces. Access fees, taxes, and other ter and moncdoro may apply. Tekplarw td dupes may appy, even &ft UM periods. You ere resparigis for delerrrlbrIN whetlta a cot a erne of err wow wribers will mutt in telephone td chap,. Access may be idled, ogwddy drkg Writ of peak aae9a Otlap mambas may be dwvdat Peo(IisPC'sdbwjm.conilrucususe s ibieettodmeaRprooedrse. Al uric su4wto PeopkPC Onus Services Apnewnwri and AccepW* Use Pdky. 5&( is me inodnarm speed of service; acts speed may vary. 0 2906 PeopisPC Inc. AN Ron Reserved. PeoplsK Online and its lops are trademikB of PeopleM in the US. and other cdntries. 02006 Capita One Servkr, Inc. Capital Ora is a ledaay ne0lo service mark AI fight nerved. a? tm SC ?: b. eaaa-w t e. td. 2.A I? 8 ° I g to a b. If t to e rood b T Wl lrve i .it* n qwo period of nwv adre, ne I d hiq pa5od ?vaa baaae of bepar , w p nstu a oge on raw spacial puMrwa ad mevv ottw g trarresoa• w each uaw *Ad 'Nan daalpe' I in important Notice for plymwb brow, /a IN aedb. (if live staterwit next to "L statements m is `?? W -ash Wr its grace, i d ? of such "gal%.Jn That o ra m r o fare. 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Yw are IeapaaaM lauan d fir amore of tMy Asa n yaw ecowaw doe Or;cowed w shot we front of alit oUtem" you' m9rw b clove fir aka vve nvAdDIV t ra dawwt app•arbry n Your ao w tram of d c pascs llr pwyrtw a dwek vamesc ord. When vla ase infaaanauan aamw se oter dock to make an aactudc k o • OE RATF9 V r lord traveler, Ruda mot be widdrewn fnam your be* ear based woet acewtt so soon w to arm, ay vm rceive, Yaw and you ell not renew your dwck back from ymam you to pl , you Rwraial ktNSmeort. My of Vow •ntdrw BY &WNO FdGM w. or. Guse Or Or (In Can Of Of About Your r Drove v mv& oN m ors, It you dick Vera bill 4 wwq, B you red maw or n of yerw (nfolmothun on a eawaarn or Irk web to rot n a Ibdc ratee ttpu alma r mewl as polabla at to ache, br nb kTcs may iw strum on to how of it" wwsrrr t. We must ktgi real an the ire from you no fear than 00 der after vrw awe you to a dlalrrt d* 9 as, vri rat call war Cunwma, Neladwla member, bl q Period ppnoawve War do" N Yaw Maw, On w tin fodovitp inyomadom your now wit aucooaw mandrel, to dollar niters Fa ces. dM of tw armor anMeet or tM wnapseud arm,, a da•epd Ms 0 of tie a and an if of wwffway you batiae titan is r o Ada, fi te description of kr 4 a a n error; or If you mom, inMmr d y e T urismo you the ift ? .. f, . ? ! w w or similar ?. ? , d at am a Oh ya l r 0 a fi fi aR pa r re Y F CIKM s a ed w v ?m v sa d? a M Q wata to cdsm tM dAn uww or bb ar = a 30 9 ty I ere = You quMiort. d a e Y w t,t Special M& For Credit Card Purchases tits 11 You haw a problem wide to gnwy of property or Wbrtnt vivava tried'n hWr m =s, oardaral you prdlwn vdtlh die the perfod. ey , rq mtwd?ta, you my hero its doe rot b y Ear wrraaw der an fir propawy or CA. Yw Mrs tier ? paosw:tlm rely vwon tlr pndww aloe err moot girt l b k h d W and , yaw ens a o e y of vam mff raerrmro witldn i0.00 to00 o der mail d p addses. Of war own or ! b-q, a or If we m•dN you the operate fir merchant, ,fern wirerWwnwt ice to or wrvbse, A tsadwee for f d Your Gbw tl pu wr.) am covwmd " C"I w of wmaww err location o Plwse rarrrwnbe, to sire a wrreapatdwma. p ar ' t 0aas not *Ply to corroo r, aw+cvwef cart! ocwmft ereseh S Dort not apply b loader wrrcmdt card accounts, I W Wild r W b C.adu10ro appwb irdonnadon pdvwy protection: see w g a om t 0% W ft in t a c wvw(.a . a Capital Orris • service mark of Capital 1Ye 1 .?trat o.M A? ,idea m mod. o 2 IALSAK ce inpaMtrt %WSW Pmyrsertt W mad to m vdB be cmaod to yaw aom" so of do Wdnm dry vm noalve it praiad (1) you land the boner pwdn of WS a,awrwlw and yam deck in 1M wttaowd rwdaaw omelapa and (YI Yoe p.ym.rrt it raNved let ou odaasia ether by 3 p.m. ET (1? roar PTI. Plea•a abw w N•w eve (6) Wainaw days far powal aavary PaYmsraa reoalved by r la ww otiw kreatim w Iron rry when awn rosy rat be arsAmd_ r of tM ayy rte ,soave ram. Qa Wraw ayt am waray tlwwdt Saaaal?, aa?wdudrta hddaYe- PMUa ante uaa erspisa pspor gips vox. vAwn prspadr? your ".Tern YAwn you set rot a dwdkta, you aWwin u l that, • latrine alactnorwe tfwwMr ahft hen Vern bri aaeuw Mf fire snout of tM cfrek 41rM aWr¢-adw, appal to +1 dwcb raasived dwkq the 66V cl'cM vin if avow by ewrreor also. It vn carat pacaw fir tmneMr, you authwf:e w to make a drys apalrat yore bans ace u t snake dw citeek a paper draft w o0w tarns. Capital Your Credit Future Is In Your Hands WW's Inyowwapet?- Capital One" wants to give you all the help we can in managing your finances. To make the most of your time and money, take the following steps to maintain your good credit. CHECK IT: Review your credit report at least once a year to check for errors or fraudulent activity. FIX IT. Contact the credit bureaus and credit card providers to correct mistakes on your credit report. USE IT: Demonstrate wise use of credit. Make purchases regularly and pay your account on time. WATCH IT. Maintain good credit by keeping your balance under the credit limit and pay your bills on time. CONTROL IT: Moderation is key. Don't max out your credit. 094101 Account Previm Balance $7,772.02 Payments, Credits and Adjustments $.00 Transactions $931.07 Finance Charge; $32.16 New Balance $8,73525 Minimum Amount Due $495.00 Payment Due Date April 19, 2006 Total Credit Line $12,000 Total Available Credo $3,264.75 Credit Liao for Cash $6,000 Available Credit for Cash $3,264.75 At ym service To call Ont mer Rdsfiaar ar to repast • lost or maw cud: 1-800-955-7070 F. Gee oasne aooount reerioe ad q-.a .4rt 40., Log ou to: www.apitaloacaom smd pgmmb so: send inquioaa Doc Attn. Rmutowae Pcooesing CsphlOneHmk Cspielone P.O. Boa 790¢16 P.O. Bas 36285 5,. Louis, MO 63179-0216 SLC, UT 84130.0285 Imports at Account Information PLATINUM MASTERCARD ACCOUNT FEB 20 - MAR 19,2M 5291-4923-4797-3055 Page 2 of 2 27 06 MAR MCDONALD5 M788%7 MECHANICSBURG PA 6.41 28 08 MAR MCDONALDS F15789 Q;7 MECHANICSBURG PA 5.78 29 o8 MAR MONMOBILI8 09MQ19 MECHANIC PA 11.18 3o 09 MAR TURKEY HILL am Q¢9 MECHANICSBURG PA 1135 31 10 MAR MCDONALDS F15788 Q;7 MECHANICSBURG PA 6.83 32 10 MAR EXXONMOBILI8 09988Q;9 MECHANIC PA 8.24 33 10 MAR PIZZA TOWN USA MECHANICSBURG PA 11.71 34 11 MAR TURKEY HILL1ro236 %9 MECHANICSBURG PA 7.90 3S 12 MAR AMOCO OIL 06955Q99 MECHANICSBURG PA 45.20 36 12 MAR EXXONMOBIL38 0996®019 MECHANIC PA 10.56 37 13 MAR AMOCO OIL 06955W MECHANICSBURG PA 20.40 38 13 MAR MCDONAL Y3 F15788 Q;7 MECHANICSBURG PA 11.08 39 13 MAR EXXONMOBILI8 0998@%9 MECHANIC PA 11.55 40 14 MAR TURKEY HILL #MM Q¢9 MECHANICSBURG PA 8.71 41 15 MAR RITE AID STORE 3613 MECHANICSBURG PA 33.83 42 16 MAR AMOCO OIL o6955Q99 MECHANICSBURG PA 21.40 43 16 MAR MCDONALD'S F15788%7 MECHANICSBURG PA 5.88 44 16 MAR EXXONMOBILIB 09989%9 MECHANIC PA 16.11 4S 17 MAR PIZZA TOWN USA MECHANICSBURG PA 7.71 46 19 MAR PAST DUE FEE 35.00 You were assemed a past due fee of $35.00 on 03/1912006 because your minimum payment was not received by the due date of 03(18(2006. To avid this fee in the future, we recommend that you allow at least 7 business days for yow payment m reach Capital One. V PLEASE RETURN PORTION BELOW WITH PAYMENT CapNa'aw,* 0000000 0 5291492347973055 19 8735250237000495003 New Bola= $8,73525 Minimum Amount Due $495.00 Payment Due Date April 19, 2006 Total endowd $ Acconat Numbs: 5291-4923-4797-3055 Capital One Bank P.O. Box 790216 St. Louis, MO 63179-0216 PGmrpr-dW- ragaam ad* WW'k." kk. nrMit. w Nadi ink sun AFL s Cur Stw ZIP H-phone Alo .*Phone EmdlAdd,m #9007849838460511# MAIL ID NUMBER STEPHANIE K SPOTTS r 1110 RIDGE DR 1 MECRANICSBURG PA 17055-4483 Plnwe wnteyow arwunt nwnbn onyow oW w mmq order made pa)wNe to C4501 td One Bark and no/ in the mckued envelope Capitalow what's in your wallet?- The asps b trkneb rur pod aedR en podded by Cep[W Or, in coquncdoo wAh ComewACtbn (wwlccmxomsn¢tlon.org). O toot Cool Or SeMCS. Inc CWW One is a fmkmRy ngiaaed rMa nark. All dgbts mwwd. A? AAAAAA? y?0y? OS$ ki inc'be'tM?? You mM sou will bo Ciedted to yov mcca n r Wan bu WW day we nceir it, =d ed ()you .Md tln beabm palicn W dlis etatwtnr ¦d yar dndc wwMapo .rd 121 ywr psym.r i. naivod h our trnw by 3 p.m. ET (72 Pf). Rre. Mow W Ira Aw (b) bueMw d.r br posW d?Mry Peymw.. mrird by u r atV odwr b-d-V a In xry atlwr fium mry noc 6o cod .d r W " day ww n .I- awn. O r bubwr deyo m Mwdey tl c SruWy. wAu3r IpMdrye. fieer do rt u. wrNe, Cc oen gopsd?p your pryment Winn you rrd u e ch-k(. you wdwdzo u a = a ane-dmo Nealonic tmoM debit g b: of ock olion sppkss oo sll naiwd dabq tln biMq qsb mn ifBent by atwww OW. If wn crnot .woan for tln smourn th. tr.rk you euuwdn W 10 make a dnrye.p IrM yar bWk ettxrona ukta the dick ¦ papa dn11 a W. inm. P?? QW011woe I what's in your wallet?' STEPHANIE K SPOTTS LET'S TALK - WE'RE HERE TO HELP. 064 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One," we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. ® 2006 Capital one Semket, Inc. Capita! One a a feAml! rrdistn service manb. All rights raerved 064-07764 ?,0• PLATINUM MASTERCARD ACCOUNT 5291-4923-4797-3055 MAR 20 - APR 19, 2006 Page 1 of 1 Account Summary Payments, Credits andAdjustments previous Balance 48,73525 P4=n% Credits and Adjustments C00 Transactions Transactions Finance Charges 05.00 437.09 1 19 APR PAST DUE FEE 435.00 New Balances 4$807.34 You? b(;hiud by two pa nnanta Let's U& IF;ew ie hatiug fn:anCial difficulties and ca iA make xu ' N immum Aaumim Duc 4759.00 m us Ek minimum 1w. ment - we :vans to help. Lefv wcnk togcd= co find a solution drat wVnks btq far you. Payment Due Date may 19, 2006 cad at 1.800.95`.7070. Total Credit Line 412,000 Your account has recently been past due, overlimit, or has had a returned payment While Capital Total Available Credit 43,192.66 One reserves the right to increase your A.P.R. if you fail to maintain the terms of your account, we Credit Line for Cash 46,030 have chosen not to do so at this time as we value you as our customer and appreciate your Available Credit for Cash 43,192.66 bus new. Phase keep you account in good standing m the faaae to enable us to ptovde you with the best possible rates and Ici d of services Thank you for choosing Capital One. At ymgetvice You wen assessed a past due fee of 435.00 on 04/19/2W6 beaux Yom minimum payment was not received by the due date of 04119/2006. To avoid this fee in the &a^ we recommend that YOU T9 all Customer Rdadons or W repast a loot or stolen cud: 1-500-955_7070 allow at least 7 business days for your payment to reach Capital One. F. free od- amust M"M and Vocial-w-ma affare, 6g ao tx www.gpihbnaoam Send prymeou Sx Sind kgAd. tx Amts: Reaiinow Peoow&4 Capital One Bank Capihl One P.O. Bat 790116 P.O. Bas 10286 St Louie, MO 63179.0216 SLC, UT 841304285 FiniubeeCharges Plemeter nvmesdefiriffit aatinl5rro hen Bd-ft Acid's t7wrrgwalm; qptfw fA rats L PURCHASES 58,75318 .01367%D 4.99% $37.09 CASH $AO .05425% 19.80% 5.00 ANNUAL PERCENTAGE RATE applied this period 4.999 PLEASE RETURN PORTION BELOW WITH PAYMENT QW&A O e 0000000 0 5291492347973055 19 8807340237000759006 Pk-trirtrarair agalia.madk.o,nuitrdrrg?te laua„ags?lurw6lxEisk. New Balance 48.807.34 Minimum Amount Due 47S9.00 Sts Apt t Paynaest Due Date blry i?, 2 Y.Y, ay sera. ZIP Total enclosed 4 Home Phone Al- Phone Awmat Nan6w. 5291-4923-4797-3055 U.dAddrm ?? #9011049838460512# MAIL ID NUMBER Capital One Bank RE STEPHANIE K SPOTTS P.O. Box 790216 Irlnlnrllnllslslrrl n 1110 RIDGE DR ° St. Louis, MO 63179-0216 MECHANICSSURG PA 17055-4483 eN, ! Irllrrrrllartrlllrrrllrlrrllrerrrlrlrrrllrllrrarrllrllrrlrrlrl ? ? Irerllleerlllereel.Iralelaaltrlaltrllralttalle.trlllleatralrll Plane unteyoar Amos nwm ber on your ow or MPUY ceder madepayab/e to CrVAd Ow Bask and m 7 is t&owl red esa *ft ?r rf rs?f 1. HAw To AMU A Flairwe ON t.. Once ParK You vM her 38 dye wW" Greece o balanw tra stars, new APr e4aca deantMdr OnNgor and in dare ark m bs ws and special O -IN In a on army oahracYOn it Yea t belerce.' b. AAaft Fbaeeecepdraroa.r transaction is «Procsssud a S(ancdo der day or few a tw'Nw nTytwer podid w IM, mnmeaaryYe unpaid balance wall I mans you pay 0. e?rrdnwllevr Brit t )sue stalawra by do awe not da so for rite prsvlaw ato. ;=== WpE a Mode rateW N Nw 9r nnirjw? a .?a zu r ¦pp ad?woaww p wr e w 8e?w', r cred Ah ym?ne bol- ladw t- d by Veer rat swWrwrrt wLtrac r plod m cash Advances of sad ? period is a Ue x p y m t wood" vttich M rot d 1 3 M l av'a w.W wewaed Mrea 1 m or Y) from dr dale dw . ew A. The to e Awooo" OOr 3) fr- r Mw ApR' e r t U b. 1 to wvviota Yrrw aiaw to aGWA to diA Atl wqa wr wpsid balance is paid in M. rasa a ow=11M r enrr R s ora of en dr anourl Ran des W.BO m yar Accent 0 R has already been if YoU audndaad . puarN Rpm a Muiae tlr trsnsapion Ran to w aocant Inw awn aowd, me= billed to to pudtas eq t d. Taeyeray RaiMan kt Ft drive mp nottdaaeae aM or 2. .= pass ee wee Ilrrea a. Rnarrce arty N eAlWat et m a c o rott o dera v r s e. dN T c 1 rod w t of "a se ves w dr r .eaort. et?e wa a wd 4" by to us ft 7. uwdXY sot vjrXkklt: O rribMc q a ee *ftd. This -- --- - 6. Native About F]sA 1, Check Cal do . Wton you w t RM' may appear N tarwnt. w o Pnvlde a doolt r payment, you stwwite w e deer afonmitlm Rom you deck N math a M"m ?. USM, C (Cw fate of alactrorie had transfer from ywr bank Account or to e) Appian; an tw ben of { d tlw y a Clwok buteacdon. When M process a tied[ m Maio err alearene ar, N Namradon loan o c kdc rMe(a) dr?h FS PERCEI?{TAf1 RA W u may » l ry? n I Th WON Sow" d I iewi aw Aoen ra tw sums a danekytack from And Yea tviN riot rscdve your ymrra e n dy doclos al to you. Ae po , Vera IkN1a.'tel irrtltrrdotL n on to feet day of yar me BIW NG RKXff4 SUMMARY nd Oaaber. W a (in Caw Of Finn Or Ouewbns AbwA You 6i) amts at Ow ww periodic if you r:aea yore awaat. Duke die period, you may dwcVnd on dot pmvias rod pay Veit New BdWIW In M (aekndrq the yota may have des dyt not to pay to rwathOrq wa then wbOM shy marDNMip Mil pd« to tM pod of RN IN"y period enwt 6a wt des gopeXy or eerNwa. You have die that day dirt M afocated 6. N you Cafe Yaw AowA L You can request to few pry ocyy when ya pracww p1p was mom than psriow eeten scows eves aNaa, wnc?sl of Ptswtdhdtad binp, genae do rnwdwn, or if tM mated you to a e rrnAirtun mYl Xipored. If des c. n fns caw u v'hrash, r tvwro. )J60W we f3+no. UBOR Repkd MaWayl on the RAn of year riod atty l di ( p, y c yes you knlorrrnAOian An a transaction or bit, wtte to w on a wM rifest an Aeon se posel ile At 1M address err n dr awicatlm Of yar vw hilt oOtract Vat re pe [ r s oatwrrwt mad m 11w raa and Fd;% f a TM tmy p irfw slgwn an to front of ti aulanaf. We met Xt4 rod dw difference wit bo vary?may kwnase «datmwr is d on des kr WM Saser Ow)M4 Th d i hwar Iran you no later tun 00 dove after ws sea you da, Ina bill on whkh to error «WWM appearOd. You con su aoewrc rye. Wa IeaefM to p . n e sated khdcm r roun dwnpea tlw margin pmtae.y dMdord V= er bmv period to fleet da B aNe ill b cap our Ooanrnr RMdan rae ber, but dobq w will not yytswn+Wur Now. In Vote New, 0- w fu Mowirrp w dwrflsu for any Wen e e s w on y each Mantic infomhraw your n.hw and scam* nunbw, to dollar r Ptrdwswl• agyYrp tlw drry 4. ANOaswatt of late, Over" ad 1104189011 Payatan Fees. Your Account WO be ssssuld no Mors d n two of dr Ion i tkd d t M .moat of to stapsasd anw, a description of to error KW An nplarhadon, if poaagt of you be" denN s dsaodpbon of ou nwd Mon iYOmNdm an ems «R oooura p y., caalt and special purctwee) r rq per w o . o iMd tom dwt occur dukq ery b tarrm of Vw watwoor sgearrrwa, vM row ne des rfyt m , y des ft= YOU AM %A*" WOUt. YOU do not Irve W PAY Any , Ma" Own has been watts or not m reefer any feee wMnut spar notlfulerh m WMar tl : amwt a v, vw M inve X, bu you M poi of ad m spay tla perm of Your dwt M tta And of each day dakto Iy pehiodc rate for ead w ems w ridd. raw V*" Vwvkq U A Irtw tim, i feo t R A in q, vw irwt+atdau Vw RAW-, rw crao nrt yes r defnpt nt or tea cry aaron to odfea ft w sp_yy balance of each vas no tq psrid fX p sow s .MA. rjh 6. ysr "M on on front of ft. eteteroom you trove 30 p amwat You quaAtian. , q ns m adve U spur days from dot des Ob statsme t wee trtafd m Vw to wiL We add up cis avoid paying do Ise «m Irvs wtdh be asdOed to you t,t Special Rule For Cndt Cad Pudress n o yet do tidybalarnw i d k oondrRM m tear Vow atxout Wkh*'A hWN m pay tw Wu mtwt To cwnat yo« mcwt mwnbersfi M If you true a ; I - vddr to quality of property or u witlt a astir caN and you N fwt N 4rn hp vM ta e wenryy artytw actio s , p . notify us by caisq ow OjM- RNMf roe DApwanatt W sur Osu bets Ufed in laidrm consot des pMblen vtidtthe , wr RAlstlors Cwt dX h In am r d ssparM defy balance des Hovrevw, if you on q err yyaarr Accout by c Oparbrrt vw mat dwdoy you chsdt wrdW and e am o 464.00 And rite purawas vwa ma Your within 100 miss of yaw mWlkq addws. (if we own or ( terrt in h/ (w ersde a.wXC raw KW u e o and ceew aooous. R you do not orew tM wN Caaider prewrdhwitd +rtagenerts Propwty a ssrvea All Of pudrw WverdsuMwx err to wdsss of anwut acw{wn PucuN.I card rs or r r W s to the daily btiareae. We N tl d il d* , r our euriwri:atlan m FARM noatpt of 4= Vote same wy rot be = ht ow y M Rsw rwnwnM m aiyh of comapwdwna. a y q A r h by wen by to rarldw of s. To calculate Your tow a u . 1 ud you pay an srteraU* You ove w iekkahy Any transactions you l e" -.I t A. argse, post can amed a wn aa dNit f w f DON not 4wer to consatar rot,, « cad acmuwt t ps do Wance by dr ber of dAye kt dr Claq M r , re p due ro, oM e dvwew few and any odwr Ms aaaad to you 1 Dow not apylY to Mamw rnmcndh cad scmrws are, tlrre May be a atlcn and tlr wnort of so wit. You M Maporaft for daeN amoAsu whwtlsr =Tr.= o-u t er dr dam you wpMt W day an incurred wbrgnsn m ?? w4Porte b4offradon privacy proteWorh: w oa er vrww. cam. ita k of Ca i front or mile waamsn Vow wpm to few Ow wcotat. TN* may rwA in p a mar Orr IA • wrv C+Oro Finericial qd Owpwaden. attire reserved. a 20 ' Von mdtlgy des drpa m yar aocout after you have - cu need maa bR i wrar "it R tlid Cow 8 ? LOI.BAK s QoQ bIf o I al on R-1-N.wrye apWwt your eau arxwnt uai^0 des asek a paPw draft a taw kM. Qwiwo e I what's in your wallet? STEPHANIE K SPOTTS MAKE A PAYMENT. AND TAKE CONTROL 066 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 egg check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capital One Smwer, Inc. Capita! Orr it a federally regheered service mark. AU righn raerud 065.07754 cal x1110 a Accowat Previous Balance ;8,807.34 Paymeno Credits and Adjustments 5.00 Traasacuoas $35.00 Finance Charges $14520 New Balance $8,987.54 1linimutn Amount Due $1,028.00 Payment Due Date June 19, 2006 Total Credit Line 512,000 Total Avatahe Credit 5.00 Credit Line for Cash $6,000 Available Credit for Cash 5.00 Atyourservioe cod: To all Catamer Relations or m report a lea w session 1-800-955-7070 I. five *.I= aooourt unit and spsdd eustor,a aBm, 4 m tee -aspihlonawm Smd parnmb tw Amt. Raunum Promising Capdnt One Bsak P.O. Bea 790216 St Louis, MO 63179-0216 Send ingaities I. Capital One P.O. Ban 30285 SLC, lTl' 841304285 PLATINUM MASTERCARD ACCOUNT APR 20 - MAY 19, 2006 5291-49234797-3055 Pagel of 1 Psy nests, Credits andAdjurtment+ Tmosact M 19 MAY PAST DUE FEE $35.00 You're Whiurl by three paymema That means you are temporarily w able to snake new purchaws or gee coal; ads-Ari,. . But you can -sl=am xr Capital One dwging privileges and bring your mccvut back into yrmd standing by paling the amount due on you statement. If you ro hawig financial difficu llics and you're feeling 0vtrw•he9sned - we want u I,<lp. Give one of otr associates a call at 1.8!;0.955.6600. You J be strprisod v; sat aye an do ttgather to work this nut. "Important Notice" Under the terms we previously disclosed to you, some or all ofyoue Annual Percentage Rtes (A.P.Rs) have been mound smo: yunr account was lax due twice in the past 12 billing cytim Remember: If we receive you minimum monthly payment on am for 12 conxatim billing cycle; this account will be reviewed for a possible rerun to your Non lnuoducwryA.P.R 'Important Notice' Your axouat was ppaastt due on your February, billing cycle. Ifyomr account is pat due again, your Annual Pacentage Rates (A.P.Rs) may increase to the Delimit Rate, as previously disclosed to you. You were assessed a pat due fee of 535.00 on 051191M because your minimum payment was not received by the due date of 05/19/2006. To mid this fee in the fume, we recommend rht you allow at least 7 business days for your payment to reach Capital One. Fita= Charges Phwfmrewmsidef6r inspwW irrsra rtm ?r Bd k r ' P * t w*- k irJaa a? apf. rA PR dr is t? PURCHASES 7;8,87732 .05452% 19.9096 $14520 CASH $AO .05452% 19.9096 3100 ANNUAL PERCENTAGE RATE applied this period 19.909x, PLEASE RETURN PORTION BELOW WITH PAYMENT ow 0000000 0 5291492347973055 19 8987540237001028006 New Balance $8,987.54 Minimum Amount Due 51102&00 Payment Due Dace Jute 13, 2006 Total endowed i 71 AmoattNambso 5291-4923-4797-3055 A'rawpinewdsxgadiurmd/ars-wa[ases;ger i,&,. cog H. w Nsli t $a Apt! any sm, ZIP Home Phone Xt-wPhooe PmsaAU- #9014049838460519# MAIL ID NUMBER Capital One Bank STEPHANIE K SPOTTS P.O. Box 790216 11111 11111111111111111I m 1110 RIDGE DR ^ 11? St. Louis, MO 63179-0216 MECHANICSBURG PA 17055-4483 616n116n1111111111111111ufill n1I6lluNeill 1616161 I® I1w1111rwdl1rlsddrlLLdessI111rIL1111/lI111d01111rsL11 1'kze, witryovr ammW nvm8er sus yowelletk or moray order mmkpayabk to Capitd Ow Bank and no/ in the erulw d envelops. r t? o d f. Flow Te, AtNd A Fbm panes t s. Qaos Mia. Yw redl toes a mtimun area psni•d of pride ram. To obtain tea avaals daily b•Irw• for do bMrp oovwed by ride Naawnw[, we WM dy yur aetaua N # has akW* beane dad for exanpb, ff /ou eu4tarlmd a pudmar amt a nwrdro and ?» 26 days wMwu ifnariw dwpa an new pWMMa, new wd e. balame tmnbre rta adrid d d SEEMi of each m; aaoh day, add ury roues h d 6 meets t)w tmnadbn fm;Cn metdw# altar yar p w , a st new o or vr M dtrfss if you pry yes botai 'from 6alrce', in m eac wprnww an w crace rry zents or cndls. Were wda N ?pear? m fM aorc ` aoooun has been cbwd, ywr axwR vi be, reopwrd, the amwa# or ft grrpa will b adrrd b yes axWd, eomdamm wWr rim brpwtant Nodes for peymo below, and in torn fa k w b w==Vs= tatwnws nwa to Bahasa Ram Hpplyd To,` we also vaa r V?d ?wtw dtrVe-ktifdwl In rite behum M ? end yes w11 be reepwriAe br peymrR. If than b ¦ ras for yar aocwad, thou irw vwl cardmo nrrrontd P h and .==k bail adddon tlien h r a vdod e ?p tr rR mMR Teat r? b if adddat ? ll ri O h ao *Kh day of nch g g was mil ? m ur d p q ? « ? b p m arty tnarraction if you do not pay tlr wbl 'New w. , a p a ft orr "C espnwm for dire b1Nrq pMOd and divide by tlw total w arrw e oc b h bm h ful aa LW abor i. 7 Vairo Ywr AeewaaLVOUr mead a ax" o be fuaiatW.` member of days h tla tMirp period. THe girw u ft . ;7 uerlI. arvrctiwt wish any Mann b. AowukV Resew (gaga. Treremodons VA*h an not avweZ= bnW of wch aeprtaa. trarwaatlaw. arpad b a grata period ors ssaesssd fiuwe, de r0e 1) 3. Ara wl Maw I MR. S. IMb• Abrt BooYarde Cheat IAtwrabn. Whan you lrollt fts dew of do trarweCom of 2) flartl fw dam Vw a. TM farm "=P srpa Ibb' may appear ao proddo a dteek M payment, you aWwlts u dttwr to trot Lela d r procas ood to yw Aocokn a 3) harm des fro ealwdar day of to mama m bitrm period. Adddorrly, APW on d rile ataurnsm, b. If ft code P 9 nW, l Gino. UBORI, C (Cwdf m of roe, hfmltafon from yes duck to males a w*4kw ale"nie tad trawa from yw bark aCCermt a to tc. rrrir..m Fatatee for asdt blNrq ped°d the it yes akswtt b w?f•ut m a ir,oe dwrye, • ,ritimun f W RffAIICE p W A O E l 60 im b f n e. If ih e a rq?0. e?YBtepaodee I ?atl Mr yta t ew ry e act md it periafc rab6el r Iws M DO bO t i iB rbt t UK d , t r w ati r to Ow 00.50 im n . r d fw diflossnow will be romaint e an N sg r ? K billed to ? y a r td Temporary Rwtnaim h FbwMa wa e w. mrwne fr am dw, . n dot to rat awMe avy a am fi; t drrps for any given VA d 2. Avw.6eq oafy Bmrrtca r afar (MNtMerl. Old a. Assess a. (inw dada in aloAloned mWp"fb daily bolos a of sadt sa mam M es aawua ash Yw a irbd h p y d., c adweca, pu I'm . speofal Ira War and apadai pudoae) - d - toms t by dw?aspptdi?q defy Iridi raww fart t . -#v b Mo biro ImOlod, apply des ordpakdc ram io sac(i d a a y wets r )yaum at sw.m of Vow acoaart w des f ynbpYaw of asdt 4a Y? ?' at ? n a'M w d a l 6.714asm rypmmn dw r Mlm allw Ydme to dwM chit periodic finance claw for rw-. 1 - -M- rfwlts from sech apnwtt : 0 total periodic 4 w if youi irwrnCa dare for tar &Mu m. To got fha dal fraiaoe 'or rreh ••Drvera of yes meoa M rw mw the drpmbq Cafai.a rmmbw b now any dwp colckdow aiatW fpoar @eachh aspntaa end add any moor trawwlbrr the preimer b notify mu? ddrs M ear ore for post g W w tt M - f d d manOe paym.r that ay dat an aaoeabd or cn so o poste to four aapuwa. The gross us then separate dairy bronco for each w naa of i vmw if d ft es ac ou 0. N yea r y1wour a: O m y o=v y 1 p lbw Barres dwwt m watonwa in fi/ (a y am prevblw p. marten If your mesa bares vres atom or • credit anoad, now and or War, limn may W a aaztam. yes latlm and Una anwum of tby wpm on dossthe ' vas rrmldply do you regmK to dnr0ee 4 (Bw*cwd Priss) appears on the front of tlr rk i e p) th bd a taocl t proesM M dtr p • " " tra eettlo . What von M r pe t c r a e pel c rreepp?p AN PFJICO?TAOE RATES o amadar A use am nor pack to m•b an N•ctrric find tnatsbr amide ma b old4 ort f b k ir, amity rd may #emw .rdaenaw based , y e v s rom your ar aornm %r as tea sa m day wo ma(tw your I Indices, a• found h The Wall Saw Paymwsu was not nc.im yaf dwck back from dis*aod he maqb n pMmaly re toy th fi s W r financial bMmgot, on to a w e n od(a r mrn•r# wdrtp cowr.d bypY rdl oBm Pl d BILUNO RIGHTS SUMMARY p , ? y an ? jyF (lino L B O IB fr O fi n w Case Questions If ou tank ea by is N? yi d?mo . M yl Y You e, w n y ra m ( P a w de ratd to dn p A/N#ML N PQECEY1fA0E RATES m.? bdWsrEm shoat " soon as qW afawn on tw front Wtltbe aat Ilve address atwnwtt. Werrtaat rd may Increase, or deere•M based m fw e, as bud In The Wag Saw Jowl plus br from Vw no Iran then do d yya aMr we sent you ft fret bill on oaadt to anor or pldit appeared You an mreuly d m Tltaes chapea of ar MBM ard call or Cutonrsr Raladow mnber, but doing se will not reeve IWO I l t IW M y 4 y Lab, 0"1&* red RWRRW f Fees. :p . n yw Yar eader, "us W M infWnadanc Your name td acooum nurvba, are dofar anwm of the spaded ":7:" mr, • daaaiptlm of" area M o ¦ be assessed no roam than two of the fees ooor dak bW eriod Under the and at a paarafm, a ppse?l? of you bNiae fan is an nor o if d ` W d i q p q W . ..WNW aprseawr . om naave, fr w We i il le , or s y u ma more , a oe IF of fw fawn you an ratwm abash. You do rats have to pay any amour ary ss " Pr or na w Mrq w rips to aawes tla wme or similar amaaa h vmnr vse an h #, bra Yes Vood m sail ob?W to grey tla pate of ar MN rear an rat ha. Aeoaat N a mwrrbwtdp foe y in *mdm ass k rjr y ma otw.drn, vas carawt report you as ddk quart or We, err action to coMct the from of fhb emtamas, you have 30 amour You Wouck out more ride se amea yore mailed m you to Z f w a w have such M cr w you t,t Special fits for Credit Card Pbdvaese a scocu t. During *Is psrrd you may yes accorrs wNfrcut havbq to pay de, To trots Yw accoaa, yw maw If you hen a pro A vda tea gwky of property or UtB our grtorrtsr fblatlora OsPSrtoura ' "Noss rite you road vtkh a asdt all and you toes trial h fskh to canna the problem vvilh des rw BWrroe In M (smdvdrq des V prior to go and of an tarty day psrlod telling m You an mgrar to does m Relations ntsrdtra, yes arty haw fw ripen not wps y fw rartWnp anttusm dam dM gopaty a esnvioes. Yw how di. gyrobcdon all wren tfr pudr eke wse more den a r dwaoy yw mdtcredt asrdW And a a60.00 ad tin purolrw w.s made h yes ham nab or vvidtit 100 mass of yes maiq adder. (N vow own or decks, crawl all preaAar(ted b&V, ye,r a pownt. If you rib rot eatcM aq amrPnumm tom all wa(dar ° the r^?s,po If wo m I you the advertisement Jor of pAdum . r(r Yam aultrttadat w ea dl •m emend mPrdssss of artrr# or bcaHon of wAdase.) Rsses n ormenber to sign all wnsspordwtw. m nil b closed n, Your Maas vr Ira you itap ryesaM t QDK raw wpfr to cwww w nwcr rf CN wwwtjr .It fees, wYntat tees, mash d ary afar less a m your i Dow nor apply to bwamta nor-yaor card occnmfa wmw it' fathese e N to s res aecwa cco at tlw One yyesou retineed to y W? wpponm information privacy protection: .es w d # t L a or Ow an aKVmd atasegrarm to claw fa accouc. Tore may rw* in p a vvww,aa ta?aro can. w. e dnally iadstasd service mark of Capita ==1 q on Your acuvatt afbr Yw low o or apwrf one b. 1 appewi =b Corporation. AAm dap ft mesrved. • o I.BN( rbnpfaw•omta you mad toue vWl beemdbd w your aawm esof fa bustwse cloyvon nets it pwvkbd (i) you wend fw bodan padon of Ws smowrmt and Yes deck envMope and (2) your WymMm in mhvd in w aocss.ia owmr by 3 F.- kT If f noon Pf). PNSw allow at beat iw (6) business days for poMM delivery. Fla do fwd ivy w,M ary valtaw ic, , or ipneany ofar lam nay rat lea endbd _ M W the day von rw Ww tlrm. Or toilets days an Monday d•oupt Surds". sndWrq haways. aeeanm for des anaaa ar dt dMGIL wNtoriz•drr WjQPayrn4K1webW "yW sad u • deride} YOU aNadie u m Ilaka a amirM ebefrarde trMwra dMk floret ypurbMYt u to make, 8 deep against your bank aeeorsm using the d nek, a paper draft or cdw item. dtoint; tlw hMrrp cYcis sat if e.rs by someone she. If vas carom proWw fw [rerafsr, you .wadte CPMWQnee what's in your wallet?' STEPHANIE K SPOTTS TAKE CONTROL OF YOUR CAPITAL ONE* ON ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our f= check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capitol One Serwa, Inc. Capin! One h a federally wguiard service mark AU nghm rescued. 0.5&07754 CaptMIG. Am= summary Pam" Bdance $8,987.54 Payments, Credits and Adjustments $.00 Tranactions $35.00 Finance Charges $153.15 New Bdamca $9,175.69 Mumnutn Amman Due $1,303.00 Payment Due Due July 19, 2006 Total Credit Line $12,000 Taal Available Credit $.OD Credit Line for Cash $6,000 Available Credit for Cash 5.00 Atyourservice To w8CummaRdsdoasactospatalost a4 moved: 1-800-955-7070 Porfrse oaline.aoaac srcirx.ad,paoalwsWma' offae.loa ow' bx wrrw wpidono.wm . Send pa7mmw tx Sead inquiries a: Ana: Ra *um I'momoing C.pw One Beak Capftat One P.O. Baa 790216 P.O. Bu 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 lmoottaat Account Information Take wutoL and scat paytmg yaa bill online far free. Eliatinate the bask of wrid rg &= finding stamps, and sewing envelopes. Evaythimg you need to access, review, and pay yew bill is available ovine. Our webadte offer you a convenient, sitmple, and souse way to manage yow account. Vsk www.cgnUlone.com and register your account to aunt amplifying your life today. PLATINUM MASTERCARD ACCOUNT 5291-4923-4797-3055 MAY 20 -JUN 19, 2006 Page 1 of 1 pay-e^ mean, Crean andAdjuounento Traoaactions 1 19 JUN PAST DUE FEE $35.00 You!re Lxhiud by four papreuu, You :till cant make any new purchases or cash adtauces on your araourL BUt; >u can still regain your clanging pmti<ges and bri rc yvw acs cutback into r x d uliuv by p:ci tsu. amount due on y wr statement within the next 30 days. Unfortunacly, if we dual receive a sudrxiFtut pay'tneut, we nay have to pxmanendy suspcad )vur chagiag privileges. Need help: Give us a call at 1.&kI.955.6600. Welt Work ugether to see v.lat yvw Options are W reoald your aCCODUt saw's. You wee aneud a paotdue fee of $35.00 om 06/19/2006 because yow minimum payment was not received by the due date of 06/19/2A06. To avoid this fee in the fummq we recommend that you allow at least 7 bunum days for yow payment to reach Capita! One. Plumate Charges FleasesareverxsidfirimpartuMirg6rwm'im Bdmwnar Pb,6& Csr=I- ?f1M/Io VG rN! ddPPRR PURCHASIM 89p61,42 .05451% 19.90% $15315 CASH $.00 .0545206 19.90% 3.00 ANNUAL PERCENTAGE RATE applied this period 19.90% PLEASE RETURN PORTION BELOW WITH PAYMENT C CW 0000000 0 5291492347973055 19 9175690237001303005 i'/rmrprmraailimgaddnrr mrd/wrwailr?8+r k4w -C K. &44 ink New Bdance $9,175.69 Mimimum Amount Due $1,300.00 saes Apt s Payutent Due Dose July 1?, 2006 car saw ZIP Total endosed $ Home Phone AlwmswPh- AccountNutnbe: S291-49234797-3055 L-dAW- - #9017149838460514# MAIL ID NUMBER Capital One Bank STEPHANIE K SPOTTS r P.O. Box 790216 Islulula111usllnal ° i? 1110 RIDGE DR t MECHANICSBURG PA 17055-4483 St. Louis, MO 63179-0216 m Iallaanl6raallltaJLlnllaaaaalataaall,llaaraall,llral„I,I !® 1111111 Moll Place wireyawawsartt nwmber myav rhak w moray ceder made paysbk to Capita! One Bank and mail in abeem*md mvdapc pppppp g 0 1t I 1. Hite TV AvNd A Film Qry¦, ta. Once Period. You vii hev a dmm mly gram Period of i utq?e raw. To abtah to avers. daily bdmm for do p W p ¦ n'? mverW W ilia ¦WmrrR rte t k. Ifw ? yatr •omm N k has already bun cloe•d. Tor, If you auNaipd a Pudrr bare a m•2itnt and vh r, rya new n ? dWl i ur i 1 o h d- ? u y N n ? ? d ? d M a ? G wQ a im puaw n rc w tmr w vip ¦ d rorvr a u trooper if Yw gray yotr Wrrc•', M aaoudaw rMit !M I,.==!a for paymero brow varM¦Nar i a• pn¦rd to i¦A w n paym¦ as or cndb. Of tfr obd• N a pry on t. from rr(dda ¦marrem uod tu'Balms NaOa A ppiW T : l A I ia¦ ear d1 Your acmrd va be round, the anwvd of 8r• d?Ip tdi be added to J::: :word, , and h dial kt k m b• -=g=n: ua atatwreat D o vw a p abtraa airy rapid 8naw darq• ptnG pd h tla bilanw Is ¦ W You Y?A" b¦ rayatall• for payment. If trhsrrmsrwp fu fa Your socout, to fee vA cw*me doskq thM. Ton N m ah advartoe• and spacfr Vrafws, In addan, then N no prow pmdod m ai trar UOO if do t tr W 'N of each •=t,) TWO gives u dm daily brow of not, w• "Wrimm Tl?n add tq all to believes dd?sfibelieves for each b m be arrvad, a the aodwd p•nritnd by bw, url tM aomtnt brrtm hr bun Paid h Wi r Mri•d above. ry you ren pay tp to ew brow.' segrrrrt r the bNbp period and dvidr by dal tdN mnb¦r d aye h trre Wig Period TN. = u• h. 7. Yes Aeswi'. tent or axaud cane[ be edit mrrcli n hifh an Nri bi b. Aoeruiq Firs" Querpe. Trarractlcca vtich an not . • daily 6alsras d saoh wpnerc o y mm 9 m rq lraraadUarr. ¦uhjpt m ¦ prate p¦dod as awaeed finaw errs. tl from da dab d da trwrrctlat a 21 from da dab tla 3. Arrwreadge Raaw IAFIq. a. The t°rm 'Arthur Pwoadse Hip' may appear at B. Natlae AbaR 6eaYads Lyask Lurvasbn. won you f, protla a chart r d you atrdhodw u ailar to trarr¦Nm b Duoceee•d b Yotr Aceamt or 31 Fran tla AM relwrbr aY d trhe CtarerR Atkfitlmaiy, ' 'APR' m tla hoot d trio oatraartt b. If de card. P prrkta), L (3yrro. LIBOPo, C IaNfiaa of tree hfemtatlm han alsnraric Hurd tr¦raNrhomyotr bank aecautt a toa to if'ppuu rid not PW tra N•w Brm ficm the pr•rNw orrq period h kN 6rrw d.pw tertkaw a rcnw m Dapowq, or 8 (B?Nr rd Piiw) appNn en de from of i ? dip °taternerx read t tla d ft tlw p er?¦ctlon. Wlwn w• - , Year -Id br¦rw ads 1M aPrd halite b paid in NI. Tli¦ mNr? tlrt you magi W wv° prrnw eMr w e n if c o Pe o AMA mr p TES Maas and wrrepp?rq A PENCO??TAOE RA d d i ctroNC nmairUm frrean yari b• witl dick m mak= e at Y raoa ti EE lu , rrawn Nnk p , ve You pay tla emtn N¦w paf•rw W dW d on It. hoot of W my Wab y r day rra few ar decrease bwW m do ¦apd indcu, a• fair h ma WM 8bwf aaK as aoal r llr Nm• daY w• nwiv ypur Poi d, and you tell Iqt rec" Your Gec-k back iron you staareerk by do read sptwnsrt coakq rlab, bUtrid nst do so for da preMwa reartrd UrgaN filtalhw dalpea •n adfM m daapqbaDIs wpmad d year Atxrut. ?aarra( pkm the margirh rfiardopW m Yotr. Than dwgm till b• rw m 1 Tier day l you Wkvp period cove; by Your P¦dodc erausaw t °miq Yotr firartnal kiWdtlaru. &WNB RIOWS SUMMARY tc. Itirl¦maa FYaaM• pA?wpw fq aadt gprhp pMad that w w h tla mwrta Jaruary,Fq pyd11 and OcmWr. O ? (h Can Of Finn Or Qua¦daa Abprt Your Bill WW RNANCE C2 iN10E d M wdtl W?ipoe•d. If tlw - w fiashe of ? prf c LIBOR Ra oed Mcrdd iyl ?pw¦ o from Your t a t A If an a wq? =r Yar st•(r i Was tM lO BO d V. tact tM ¦ nea ramd to P¦noac VIC . ralb) and cmrmW mdrp ANMNIL PEHCOIrAOE RATES ma s alter r p at to addnw M f di kt WM ast h w # , arrrwat from dal PO.BO erkin- and on dflemme WIN be bil•d a da Padre p¦?nwK d acwtarL d T ¦ra R p Fi l d W A Y very magiy andm•y hcnaes or d•cr•aa• band an trip afrad hrfices, as food in rho We# Some ?amrat, pM ad o g ern an maanrrd. W e -rut her frost You no bar iMn BO Nayy.a afar we seen you de AM bill m rriah dal •rhor a pha4lwn appesr•d You ten reserve dr• t . aa4 y s ra m p•. au• s dad to not mown any or all New dupes for any given do m?rpln pr viouNy drabwd a you Tfrea dunpee "N D on dip lm dry of yar bills Period cell or GLwar Reladar mntWr, but dokp p v4 m Pnurv You dgiu• h yar Nlbr, piv is der foiormq 2. AvwgeV W. fkaokrdz8 mm Mrn•M. 4. Amwawrd of Leta, Ovwp¦rp mud fiianW Paymrd Fees. info?dmr¦d of ae?your npa and ¦coord nmb•r, tlr dollar Wecamd error, dwcdpdon of ft error of t a. Rrmrw• darys Is calaratpd W muhiplWq da dally balm d each .= dyes aoecud-(e p., °wh Your apw•ord vM be aauwad m reare dm two of do fees Tied I dal ooar dukrp rry hiup Period Ur . rer to rr an mdo n error, or N y°u ruq• Y°u bairn tlan is damor" o aWawca rpr?uscpiowrr3s,yapmdal trarrar, and penal pudaW by trl• wrrYsppdrq dWY Wuiodc replr dot Ica bun Pnvfareiy dsgoa•d a Yar At 1M wr of each day drfrq arms d your rwramhtmr apweatwt, vw ren""rw to wales or rod m aaeaes pry feu Vol" prior notification to "Id" wr h a ri d d t d da Tam you am urmame Wort Y how to my pry mmont M n uric M M iveri¦ria d, but yes _ . the 6iq Qwf•d, tta apply dra M Pe I,- rob kr each Mgrlallt Q Yad aaailad m Ave dMy briCe of Ndh v p r gi o wean al saw or n*ar at a lacer tier. 6 YM AeeWL N i Ilanberrip fes an .. m P¦, dal pertr d your Np tot as rm[ in Wood- rw irvnedgea Your awadm, na Mot a a t d p b i .egirm Thm at da end of de bWV pwbd, w¦ add W . ?p¦¦ re m V. bar a die eaamurt yes have 30 p r a rgnlyd or a ary act on to colsa dM YOU as a,atmt You : a14 daa ntra d dra•• der rrardo- a order mt , daV. from der data rib strum at vpa maid m yes to q at to W r ttaa..at r`p herardw ih: aw'dioh° -old have Nyar a°?°nal?w r?atatid Baktp"'d'ddiesp• w4?yw ion =.t sp.dr Rte For cndt a d a.a,.esa firtaram dWW for yon aamat. To go due day bWrcm far each gran d you?awrru? vw take tra bK-d p bal artkMre m ter you aocaat vrimoa hmv%vp wDW da mwbwrtlp M. To wheal yotr p .M yes treat If you have a probire vridt der purity d progeny w aprviwa dtr youpu tdtNad wah a card and es m for aaNh MpnMd mil add ate n w uarramcdorm and any lkarhw rdusr • chd daad t i notify us by OWO OW Qeteatsf RNadar [;;moot d l B ' y der p W 1.0bM have tdmd h growl imitlt m correct ron vim tM p a m he prev ous days brarw Nei tiro ..groom w• titre wbuWamy en ies al¦rw h tr (eaakrdkq dte mwt.7O fir pair to w cad of tra didyay period r„,ka a""yi. pri"a"p°e ?«esrv w: vast ro Or wwnww a r=ata posted «d cat a.y th.t .? afioaat.a m tlrt cap ire, rolls giver ter tla paP¦rea d.fiy b¦Iax. for each aegrueaw d Your ¦coetrut aid de Novrevar if ou e. N Yen Ci•e Year Aeawr. You ant rsq?est to tdoes yyoarr axed W wwtp our Clatanr Ralatiorr o¦ u c Y d praacdan ory vino da P or pip ter moo can eTiO. )0 ter tl ¦ pawn .tea read. in Ina star p . , y NM Balm altorm all V pr•vbre watwnad h itA (of par mer ou mut uboy yttr er•dl cartlpl and aomad Own; dackt, canc?r all prNWgd2W big rrtrin 1OO mime of ytar rraWp atkfnr. M vta own or w add i your raw balaae was zero or a cndt ur=W, nmww varacdwhs wHCh caw m Yedtr whrdrw « tpecir , mq cur 1py011f saCOrat. N you do riot wrtCN prftvdw izeddbi wrapwrrwhp, ws ter ace.far aparya 1M minor, N w° You in •arerwwawd for tfta wa?.rty or wrvie.a, w wranar¦ d a pawn wpnmb are not adds! p tla illy balrwa. We ob tla avrmpppal1yy balm by mddrrp all tier dWy receipt of a dtmhpp your aNarizadm to rooster year aomt•rt ,You' apron wA not be cbesd o rented a kkadm d pahaa...f . "ar sot ON mrmpawe-. bl briamu tapadar and dq da cam by da raarbsr d da drys h da o n rn big qdk To edadab yes toW firrrw a r . !tl l hal b unq you pay all areatrss yea own u kucksihp: ell c.airycaw vaesaetiwro you Irve aualed:ed, I:- w Does rod am* to cmamrw' nm? ,wR Cams .,a p ,rra ¦ p y yes a..r.p. ite n» dally pwbaa rap eruct by tlr ra¦rrber m b?pnp it ye h d. fa m d ll d i d,a fer, mserfimlt fen rrp•Mkamtrrdd wwt«tt fees, tarn advarw few ad mY rrdr taw upserd a your : Gm nor wPfY m bueWeea nwv_ndk mid scdowra rtp m a n twh a y bp , tlrr• may a a Wr ¦figiR rriarom bstrr•en tli Cradatlat ter da arrmut of darer atAaiy aawwad axed. YW are rayafaibN far then arrbass vrtetrt•r day appsw m yotr accwam at the Wesyou rwweo m do to d r ? w4Poa hbmuim privacy pntwtim: an w Cm at 6. a N aghawa m dal fen d tlis waamam ' n aooout or ay an hared •asevurt year rawest to cow da wowr. Thb maY rewWt in == . aPiW Ora Nrvic• mark d Capital w# m Brrw Rees To," ws rrwdtrgy da ntrpu rktp m yrutr senor after you have flr eatnal C°rPoratioru. ^" npr'm reserved. ° O ? G-It al ILOLBAK Re . twD• swat yo r gar octant ratios tltp Faek a paper dram a err lt° k °im° ` OYOn N ant by .a pate rte. N we area D stave tn. tnnrr, you .ud at=e Ones I what's in your wallet? STEPHANIE K SPOTTS ow MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Lets work together to bring your account back to good standing. You can make a payment with our fm check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capital Ode Services, Inc. Capita! Ora is a fedsra/ly registesrd serrdee mark. All righa re -vd- OW-077FA ,VI [G• Account Summary Previous Balance $9,175.69 Payments, Credits and Adjustments $200.00 Transactions $35.00 Finance Charges $148.08 New Balance $9,158.77 Mnutnum Amount Due $1,377.00 Payment Due Date August 19, 2006 Total Credit Line $12,000 Total Available Credit $.00 Credit Line for Cash $6,000 Available Credit for Cash $.00 Atytw urvice To CA Clusoarr Rd,,Cpw a sit report a rat a stolen crud: 1-800-955-7070 Fa bee odine aoeouat raviee sad rpedd au0oocar oHaL log oo tot www eapuabnaam . send pay-to to: Send mgokda t. Arm: Remidanx Peoomile OVadOneBuk Capita], One P.O. But 790216 P.O. B a 30285 k Louis, MO 63179-0216 SLC, Ur x4130-0285 a Account Information Take control and star paying your bull online for dce. Mimi. the hude of writing check, finding aa.A and sealing eavelopm Evetytintg you need to access review, and pay your bill is available online. Our website offers you a convenient, simple, and scare way to ma age your account. Visit www.capiotlow-coin and register your account co surf aimp f*q your life today! PLATINUM MASTERCARD ACCOUNT 5291-4923-4797-3055 JUN 20 - JUL 19, 2006 Page 1 of 1 Payments, Credits audAdjustmcros 1 21 JUN PAYMENT RECEIVED - THANKYOU $200.00- Transactions 2 19 JUL PAST DUE FEE $35.00 Yw'rc behind by five pay m us - so we've pennane:uly w$pcrdeJ your charging priaslvres If you don't :tt dct a anlticfent payment in the next CJ dxvs well charge o4 your account. if y^jur ace ouw: is rcporLod w national credit bureaus w charged ofC itll tlavc a set nits utywct omi Y our credit mnd. Plerxe dorms lct dix u Y?w can prevemu say' further dwuage to yow credit by paying the amount due on your ata mterit. if grtrv: few overw11,101ed, ;rive us a cad at I-W)0.955.6h00. Welt wwvL with y*u to r a d»: dLia maws, You were aaeessed a due fee of $35.00 oa 07/19/2006 batamse your minimum payment was not received by the due date 4 07119/200& To void this fee in the fudge, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Paw setmvnesidefirimp~ sq&oration F a Pa a& Cwml " ff ,,V Z. .?lAda APR rnar PURCHASES 49.05$A S1408 CASH 5.00 .05452% 19.90% ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT GW 0000000 0 5291492347973055 19 9158770200001377000 New Balance $9,158.77 Minimum Amount Due $1,377.00 Payment Due I7ao: August 1?, 20:6 Total endowd $ AccoumNumber 5291-4923 4797-3055 ALaarinnreara &gdhRrard/oss-waif J,wgrc W- g Not a dock ink 19.90% Saeec APL t CUT SUN ZIP Horne Phxt Alcemati, Ph- • L-aAddna #9020149838460519# MAIL ID NUMBER Capital One Bank + STEPHANIE K SPOTTS P.O. Box 790216 Irlnlulrlrrllnnlll a l? 1110 RIDGE DR St. Louis, MO 63179-0216 m ! MECHANICSBURG PA 17055-4483 IrllnullusrHill 11lrln16nuil6u11111rrrrr11116rlu1rl Irrt111111llLtrdrlrrLlrrlrrlrlrrlLdr,rllr.rrlllLrrrrLll Pkwe unteysar as mw minks on yaw thank or stoney arderrnak payable to Capital One Bank and semi in the mc1W d envdope. r the a? hr?? 8 1. torte To AwM A Flown Lyrwye. 1'.. aaw PwIM. You n61 Mva • miinun grave Prod of 26 d¦" widnut hwas dep. on maw Puidrpo, ire baiwce vs+aNn, rww aped and rtes otlw ah¦rNao it y=L ote WW 'Nsw Balwcs', in .aaN . pwtartt "Ce for paprwp bamw, and N lima for it to bknpaved by yes need ot¦twnwN deal cath 9rPaclai varrrfwa Inadibn tlwa an no ytaceadwpMod an wry vrVIONAM if You do not pay the toW 'tNw b. AMeaeiq Flaw LlpwwtNpd. Ttweaetlau Wdch am not h?tr ?q of tlta ttanaadott?twtVw ? 1M71 trarractlarr N Peoaa¦d to yot¦ Aoawn or 3) from de, 1rM tubrdar dy da¦are wrest bite petNd, AMd..Y, if did not Vr'Naw Brava haft tM PrwNtw your vqd balit lwas wI ea c if all aid ? N paid in 1?. ThN moral let you are ah1 rwS ararce dharyao, etrsn H you pta tar sitar. the of s e mss cis an daham of notes do w?tlnapriam notdc kt to dugs and added to Yes ?IpYC?Ia aaVnwd of yore Aounwrt. t C. Idhldoneei Fblwteaw QrtBa. For @Gt hiWtp podW tw " nw.NCE t A,OewE?.1 MI be??impowd. If tlw U" oto ioda iaaNd N?iaa a m 100, totear+ie bus tftut Pw meet frem tale 10.60 nriNiman and flu difference wR be bald to #w p -A so pptrt of w gou"L td. Twprwy Rabdko N Flrwe c7rwpe. We ntwr r tlw hdtt to rot Sam arty «N Mwtw duryw for my 7Mn 2. Averge 0¦M BaNwe fbarrd? Maw Aavtr.rel. a. ftrharwe starve N eakvlatM 6y m *"j to daily brand. of earl wp"M at Vote aoeaut e.o., carh advwce, Picth¦aa, Special uarww std pear ptatdwr by tlr dally peiodc rsww out Ire boon PwAw dy dy to you. At the std of each day des NOW psaI4 BE y des dad Perbdo we r '".: aevnwtt of your ato tar br.,c. of each aapnehL Thin at e add up the reNw of awes deBy cdotAstlorr to ardm at youe parioda awese dhrpe for each aagmm We add tea Uw re eft hmm each aoprwt to aldm at are tow perz Iwahe"wa¦rt w°he°'v venal ekO1 yowa"`°'a` To w:'uk'h. n°Mw ?.yy`+ w and+q=ft lknwoa? rwprcelpAsa¦ddw"prei- rlay'S for the s.prwtL We tan sAarm why pe rrems or oredw p s ad ea d cwt day tet are aBoeatW to that g .- TMe gives to the wperaw daily balance for aaoh wprwrd of yaw aooow.. Hhwvevw, iI Yaftaw (orb New Beane dam an Vow prevlou rawnrtwt in it I? Pm w m «a eat or spK raw wawa sag are not aadbdd to are" We Caladaq are amrape dell balsa by a"V V are daily bola row aaD?dhar std dh?drq are wan by stow bar of Ow days h aw warm biq cycle. To caladma yaw toW year wmpa dally balance bhyiap dtrravabeeduryo, W ahre par" Due to wwdrq own a Y buK fleim my be a sw wcdlwnpwe betvrewl Va CalWniwh and go amount of b. 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If ar soda P (PnNrra), L =,=, C (GN11ate d Depaatl, «S (Beukcard anyl?hrp mho of sf n?esrten?wodrNlmrwtlANK PE?KAL MfAOE RATFS =1 vary WrwMrM utd mid Nctwp «daerpp based M to Stared btdmw, nq?a?yngdyN?r77w Will 96pt T1uw d?w??a? t1M-eHeedw m by Yes bNnN Pwiod rousted by, P.rbdc wamewt wdrq N the rrwdra Janrry, ApII ,key and October. c. It des r .do D IdraN, F (7 pia UBgD « O 1S-mo. ueoR INprked L%rANVI m the halt of your it* " =AI-HIINrafN tM periods rams wry my ina.aw «dar re RAbw D mmaytlw ¦tatwl kdoe, n bond N The WM SDe at Jawrrsl, pkw tlw Mr* prwwway ded ead to ym Tres c hwgea wO be etNctim m aw lbw by of VM bWhV perbd .vch m 4. Am aww t of Law Om*A ¦rd RtN.ned Pyswd Fees. YM assert vA be seensd in more ten two of are few listed lure to ows 0rie6 wry biq porbd Wider tw wm o Of your twetwbw spra.rma we rmerw to at to vvd" or not a aware wry Nw wldwu prior rod to Mtlrw waWiq M Vt to slaves de tame «wMar w a Irw,N 6. Yew Ao aaud. H e membership far a?pwre on tar start d Wo watwrwd, eau ham 30 Stye item tlw dare or st how P war a credited d to you to to you a 0 to u ?yyqVe areaaltea Vow aaout «Mm.sewgtlwitt" tqveal t lWa ar "ILyo"umat ca a ac co a*q to accvwt you t, yo m eat m pall tn. ratify umb mwn us fee. To carat yw aoo am! p?.eryi by ?pMO ? Bur in M Ieedaiq the t P¦rNd• d M Ym wt CNw w pdor to 00 Aecourd. Yes can ?dY to yyomve sawn by «Bn6 w Weanw RM veal: tuparbnnt Yogi mot dwlrey your a ardW and som" acceet dwcFa, DartMl an pre.wwdaed btbq, and twee .gout. R you b nor ewes prewdmdud anargwwms, vm row cers dirt receipt of a rwrp Yoe awhmNatlarh to ¦cocam AdMorhally, year acewt wR not r.?aid uW Yana p¦Y aN ==",I row u i- any tlau des you Nnance dome, Pact fora, Owrbllt Near rwpsymert fen, cash advm Nor std arty alrr few aewwr) N Vow aaourtt Yw are tarPanwa¦ for Uheoa amwts wMahar thy appear on Yes Seoul at tM 7Nw you regiwt so ciao the aorowr «tlwy are iwvrd sAnquet to Pow repww to con ttr accani t. Ttla may nark in clurpn a.DwMD m Volt ¦cewn aR« you Tl 1q? ImDwt m JM sand «tw rrlOarairr DI Vaal ae0owt N N IrN ab.ady oven coed f« aearmpN, if yes autlcA:W a?aduae kane a meRlrN and vw twMM tlr pewwNah from Vw rewrwt after yMreaparrd, Seoul tar been rdo..q Yaw aaeout e1N be w Smart d tlta dwpr r? be adbd m Vaal axar¦, a mdd dy0gNtatvrB be o¦parr>bN Nr payrrwR. H trans N . m cif *tpr?Im for , m lltaoie W cam, to bF Nor, rebel iM maetat brace M. bawl N M p baled above. 7.tNiry Yost AeewaRYM «aaaet carers be tram.n vrMh airy ry mistreat gunb&V 8. Nodes Abatt Bestbwde Ohwok Owrwrwh. When yes MYr s elNdc w Prymwd, y oou to make . cr oMw to tare Nhhmhrbn from year f m make • or t aNcbade fled VwNtar from m yes overt Seeatnmt or to P/DDMa tta p?twtt w a reCk tlfwawel. VA, 1ve tea Nigmatlwt flan ywN tdtack m malty n raarWc turd trwwNr, solo may be LMdtlr e. Iran yes baMt aoaut as soon p are sum day vm main Vyaowal Yale ?NAIM, rweiw yM Grck back from BIWNB WOHTS SUMMARY IN Caw Of Emns Or Owimw Abet YM BY) If you tank yar bB is vvwq, or If yes rood mom, Nrormrgh an . frarpctlar «bin, wriw to u on a ¦aPwaw altar IS Soon n paiaa at to addrw for ktyWrl" revs M live harts of eta watrnsm We must suer hen you no laver tlen 00 b"ye elver vale aaM you the New biN an vdich to amt"proven appnred. You an can M Cutomw Ralatforw nnber, but drrq w vA nut Pnwnn YOLK dyq. N V" Maw, gim u are *Aoyomp rdomudw: your manes and wwurt rartbw, to dakr amen Of se Sutpocwd veror, a dawdptlan of 0. amt a mt or H ?• H ppNa, of any you b"eve darn re a you read more Irviommion, • dm*41an of tle tam yes are ratwrre abauL You do rat low m py wry wra'= N Mile vw are tkq t, but you kh gtwetlorh. vm I Vale bll tf weCourt w?owt you 4 or too Sty w dm m elect the t,t Special Rre For Codt Card Pu wawa, If you ham a Problem Mtn On quaky of property, or asrvba tar you rrMh • credit recd and yes bew vied N faNh to cehreat tlrat r t>•apMaan vddh se amaat"m fey hem «?iervNw. Yo "'. u ttM? P -Z- n,Nwp'?'"pwaie r.-, rep maw deal 860.00 ando pwrea was our Ihonw rata or wish 100 mNw d Yes mMkq mildew. Of vw rout « sclartinnewt m for , p«ropu ?«ym vlcy"rs .max Pimt. are cowry reawdna ! r west or beatlan of Pwctww.) Pleaw r«rwabw to aqh an oonepordanc?e. t Ikwe real api* to corar no0-aw8• Card .,w a 1 Dow vat AWY to buthwa roncn6t acrd "'Mom, C.apiW Or* vepporu NNdeation privacy pgtwdw: we M wabalia at www. oan. Capita Oahe IS a Y registered vervkm mark of CapiW Capital One CArpaadan. AM ryn reprnd. e 2003 LOL64K ad I it' 1 you mall to hw wit be created m your Scalar as d"a,ekwn day we mean N provided (1) you nrd #w bottom pwb of mN wwenwN std your wee in ad vernittwoo wwelgha std {Y) your yneM N raalved'n M aaWo {sear by 3 p.m. Er 171 rem PI). PMn row at beat Am (6) buttress dew f« port dNmry PI ee received by ue at arty taw bcrNrh or wry cowr lam vary nor 6e credNd_ W of to clay we me iw them. Ow buimee days are Mmrey Veo ugih Seeadey. wok:g haNdeya amea wpW, paper gibe, om• wlNn ownh p¦Nrw& Nn err u m dedw), Yet wMafxe u to make a mw4tne eNaruac trwuM debit hem taw tank rrccotet rot eve .mask d to deck TTN .wwNrNrh =1D al r.oe v.d aaiq me bNNnp cya..ve, It .wt by .anwe res. If w. cw.wt u to mare a dwpe apaine your bwk accout ulna the deck, . Paw draft or atw Item. puaaaaa tar twwNr, you .ward:. Ones I what's in your wallet!* STEPHANIE K SPOTTS TAKE CONTROL OF YOUR 069 CREDIT WITH CAPITAL ONE! Your account is permanently restricted from future purchases and cash advances. But, it's not too late to prevent damage to your credit. We want to help! Let's work together 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. ® 2006 Capital One Servicsr, Inc. Capiml One it s federally ngisured service mark. All righa rrterv s4 o%.o7754 Account Summary Pmiow Ba101K $9,158.77 Payments, Crediu and Aljaatmeats $650.00 Transactionr $35.00 Finance Charges $153.23 New Balance $8,697.00 Mitumum Amount Due $9&'.00 Payment Due Date September 19, 2006 Total Credit Line $12,000 Total AvaUAc Credit $AO Credit Lane for Cash $6,000 Available Credit for Cash 3.00 Atyourservioc To aB O miar Rdati m or n mpat a goat or itoim cud: 1-800-955-7070 ForGeeovffiw uwuat smlce tad spaid artlomer aHen,loy on>sx rmw.apWonaooro Send poymmta t. Sind imryiun t, Ann: Ram rasa Proom ing CgiOSOneBank Caput One P.Q. Ba 790216 P.O. Boa 30285 SL Lou, MO 63179-0216 W.C. UT 8430.M Tmnortant Account Information Take com:ol and scut ppaayttrg your bull online for flee. Eliminate the hawle ofwritiug the" finding stamps, and sealing envelope. Everything you need to acces% review, and pay your bill is available online. Our webeite olrers you a wnxnieax, simple, sad ware way to manage your accennL Wart www.capimlone.com and regiaoer your account to a= simplifying yar life WdW. PLATINUM MASTERCARD ACCOUNT 5291-4923-4797-3055 JUL 20 -AUG 19, 2006 Page 1 of 1 ts, Csedib and Ad' is 1 12 AUG DIRECT DEBIT PAYMENT $650.00- Transactions 2 19 AUG PAST DUE FEE $35.00 You're behind by three pa}wents '17tat means y ,; are tenyyxarily uuaKe to make new purchw n or g%x cash advances. But you caa regauu y)ur Capital Out dirt ng privileges and br4q)•'.wr acwuut ba& u1u gr A 3taudurg by paying the amount due •jn your atatem,=. if you're hoing financial dif xku. es and your, feeling owrwhelated - we wait to help. Give one of our as&xiates a call at IX)0.955.66003. You'd be swprisoi what we cwi do to,rctha to wxk this out. You were anessed a past due fee of $35.00 on 08/19/2006 becum your minimum payment was not received by the due date of 08/19/2006. To void this fee in the future, we recommend that you allow at lean 7 businm days for your payment to reach Capital One. I' wl= Cllatgea fiov, sw rnvrm nkfar nnowfant m)rmlA m 2.6--b Peria& - I- ffleE = PURCHASES $9866.00 .05452% 1990% 315333 CASH 3.00 .05452% 19.90% k00 ANNUAL PERCENTAGE RATE applied this period 19.90% PLEASE RETURN PORTION BELOW WITH PAYMENT C-I~CW 0000000 0 5291492347973055 19 8697000650000987001 Pleawpriire-I.Vadhm-.Yare-awi/da gw hbw-gHarwbt at;nk New Balance $&697.00 Minimum Amount Due $987.00 sure[ Apr s Payment Due DYato September 19, 2006 Guy Sate ZIP Total enclosed $ Home Ph.. Ala -Phone Acconat Number: 5291-4923-4797-3055 )emeilAddm, #9023249838460514# MAIL ID NUMBER STEPHANIE K SPOTTS r Capital One Bank 1 P.O. Box 790216 Islulnl,ltll,nsl,ll ?'+ i? 1110 RIDGE DR m St. Louis , MO 63179-0216 MECHANICSBURG PA 17055-4483 ? r I,Ilat„II„a,1111„II,I„Il,t,„I,Itt,ll,ll,,,a,ll,ll„le,l,l ? le,aIIIt,,Illaa,,1,Italtla,laalal,,ll„1,„Il,,,,lllla,t„I,II Plan unteyow ammunt nwnber on your acv w nosey ordff ma&payaKe to Cafirat One Bank and mail in the ew4v d envdopc i? tttt? o ?cG am m tam for x m be o arhapadal atlrl i M i o .n(r trsraacion if you b. Aoattatj Fkrerme Clta0etc. td 2.A A. wry a rma, To abash im average daily belnce for dw yw atxarex H k Irae eireWy been minkm¦n QaCe pwiod of COVIIed by •l¦ e4bnrwt, ae Wm tlr• f you atrdarled a pudmw kara e I?p?oyn?rwww•.p r¦w, m o•tl ¦o?n?t awMr•a Y• •dpd?.nnywn?•w neNvo tlr tnn¦o: kam Ur m• leas Flew 8¦(rreo?, in or er•da. (H tM cad. N amius m tlr tar .I Hi «swrt hen bon Your. a d n b N¦ptMHrq PMbd• 71i•?Yit?¦ rs tln 7. u¦¦din Cancdm Witt x y Ir?MM _. gmrbft "W%=" of each mmcdw& 1) 3. Anml plan IAP14.? 8. iblbe Alwt 9esxerds flheolt 4lrtverela. When you e ¦. The hem "Arend nUPnp nmV appear ar Protfd• a elmek M payrnwn, you aWadt• u ekimr m ¦ APR` an dm boot of thie w"wnwp uas inkhmmtah fmn your Gentle m msb a orrtlm• dy, b. If tlw coda P (Prkrr•), L (3-m. Lem, C (Cerdlicet• of elwtrarle kerd trarfw from hmr hat evens. s m w certiraa m acenw m bslw tld ce N W h M v?r,wv, r ru.rnu-w? rnrw? epewn wr ea ra¦ m this'tatwrrwt next m W ?c Om raseW 1(w pm ? prohmm »m sam m • mwcr. traumadam who. we tram yw clack m mab an ON" a?Vc r pa . • Rrraaw aarymr men H aubd m 1M hart of and rem ogrs?wyrrp A(?a?A4l PEHCEI 1TE3 rrAG Po may vwy pwMly and msy inao•s or d•msw bw•d m dm wasted waves a• fa nd h The W y S• t tad twrr•I k¦b m•y 6• w(d.katwr tram Y- bark aapurt p om p tlw onr dsY we mail your d oast doWhP dab, bu dd , w a dor•ra6 Pk- dm maN„ p•?la r dhdoeed m Yost " P¦mwt, an you ail rat r oN`• your dmok bat from :2 * kwtlWlwt lNpaW arrrrc• durpn Tlmw ,O b• s aaR • m tlrs first day of your et d yatr Aovoat, bfil0 pMW dent a dmr a iin e biirhS palod ooasd by Palodiv Naamart wail indm mold r Jsntary, APdI JW ad October. If d d k D i BILiIN(( RI%ff8 SUMMARY (in Coo Of Ermm Cr Ouswiom Abaa Your BBB p , m un ' M Nrpoeed.?r tlm c. a ce e (Pr Ml, F yr o. BOPo or 0 (3nm. u RR M W IYI ormm d yt If you dirk -=I, wmnp,. a N you and mom inbrmalkm on a adbn or tiler wr(t• m u m a r ?oYca yw >, tq rda wMw.t tlrt and dh dH• M b m ? Pal?v ONkkk and cre?pgrra ANNUAL POtCENTA0EIZES m•y d d ¦eperew rle•t n •oort se PmWe at ter adrbas for kgWMs shown an the kart of this watarMk. We Plot e IerhCe vr e aaroraht. wry ma ly an m.y kcmes• or d•ereew bond m the JatarrM. Dka in Tb& hew imm you no kMr Ian 00 ddaayyss aMr Vn cent Yar o r RrM b• an atidh. era a pmalwn appeared You can We re•er» the toe dmr0as .,.r" 7qr nmrdn the you. dwpee ail be •fbcdve on tlm hen de of ar bA1n i d can our Oumnrw Rdatiaa number, but doirhP w wfR na l P t D Pa o eeo" ne`M preewq Parr dphb, in yw ktM, YPoe r tlw blloenrq Infomradwc your mow ad eeaars merber Uw doi¦r we Pvameml. ultlplykp im risky etZOHt N caath 4. Ae L.0•. Wwirrir and Rexene/ Pwmrws Few. Your acowt vA be esenrd no mom ttwh two o tlm fen heted hw arm k biR d , anwrt d dm wap¦MO •mx, . deeclption of the - and m alirmdon, ifPe•aita d wwhhyy You beieee dwm is .i•, rs and spedal pudhaN e ? r of each m y "V v oaar hp arty v rhp p•dod. Uder • e term. d your vmbrwr apreotwt, we repeskrvrs tlwcd?pkMnm Of w?wMqu wNvi r?d?tt t a 4 ni k m n error ar H You nasd aim, ? dmcdption bf rM itoi you am wwm Wad. Yaumass Ydamdo not heq m peY rry -= ? o i % ihy ? r for Owh Wwie• of asoch r o asesie w n or a rria r B. r a Yw Mo If a rmmbwll at be n en m f tlnt m kwthasdP?arws d l } c q Palad, w a d d tq P tppe•m on pr hat d 4i• aWOwrt you Mq 90 H m{mr you asyou n e grwrr or y er aryCOtn to aaect rM anrara ou +eauat t yo u r t a om dd n , dam Ve ;iw °le V A"M rt ww f W W to You to y a en. e up w m m tlr ootN pedocc PeYkq the foe or m haq arch fes eredit•d m Yau H you caul Yw aaoaat Ordr9 thh Prvia4 Y max f,t Specie! We For Credt Card Putdm•es r aloe Maly bdahes b•ynYrq a eaeim m rase your acoout wWatt Irvkri m pry to To cam yw aocwR Yau mat ft If you h¦q a proOerw wMh IAe -ley d ProPenY a f asahwy rraw trarhasetlar YW bd , W VIA miN w by c!iq our CUwomr lllstlatie OsPaarhsrt prej. eerNen tfrt you puralrsal tNlh • M?tlh the leave tried M Yod hkh m .d= tlw i at thr p•viou• r• arrh .evka a ry hat del tlmt am aioc•wd E BalerIW in k1 Nxaktdhpwryay dmpwbd. ?ttaf prior m dw end d iw a H Yw Clew Your Mnut vw aar regrwet m aces ?M" rrmrdrt, YW rosy Mq tiro nw a Wy filebq t an the popaty or eaKge• You krw tlA bctb i d op•rWe d¦iy IWaw ikwwvw, if you ow Oae etaswrrem kh for ==4 omr R•Wlwr de•tmy yorr amdt ard( d rd mast d t m o k ro p n or v m tlw pu rwse aiw was mwe tM 650.00 and ds pudrw wo medr M yar ham wew or vw0 * i0o mi m d Yoe maim atktm•. (H tee ohwh or If hmh6t nerd, rhea rdrm a epadY a wre aoosas oc s, Ca11CN ask Pmalydhaltsd birq, ad omen H hpy eowret. You do rot cabal presutladi•d%. arapwreerb eq wi o o m i r dt wa aper¦te dre mm rrmled you m, tK if we fle adeerWemert for 4w pro?my a eervkas aR Purclhasas to " dolly by +iq y iw ddY a , o p w h Noon or y w r sx?aaK A?rM74 seowt vA nma be abwtl .m awered mYadem o(armvrt a huofav d Wrdwn.l Resw rwrhwnba to WW, aN comWadamm. wam by fro besbw d e. 70 .,::,I Yw Lori uteY yw peY W amwhn Yau owe ra krckrd nw arty trarmacdem yw to- ¦ud, Rmahce dmrpm, p.m t Dow not *A* to cenwarar zmcvdY caNacwwds cps balsam by dm bw d Y• in tlr big due teas., overMlt bee, p?ymert bas, cash advawr bn ad -w odw ben aewwed to yov i Don not apply fo buovam ran•arecW and accnwria b¦sb, iron Wray be a aocerm. Yw are maPaeaWM for thew arrlarate wMlwr Won and dm amoum of they appew at yoga Acmat at the drrm Y0Y mgast m rime ribs aeeaat a am M da d wQporas.khbrmaion pdv¦ y proaodon: see our M --aprt.1arh• can first d the ebaomm we ntltlply dw ona aWm4aIN your re¢bw m dose tlw yaaoatat. ThN m?y .1 min uimriw appowrp M yw aocwst aRw you have . Capibl Ow i• • medwwed service mark of CWpkai Orhe R Capw¦don. AN ddb msrved. 0 2000 hIRKbY Vw rllarldlV raawald rile aarilr m be h•Jerd a tlr -_. -- - of orle Capkal Orle O1 L.ULBN( b. Nhetrclo?i O ? mask m us wYl be credlmwd m your aocwt ar d tM brwkmw day vw rep(ve k PmMd•d (ii you ¦wd tM batrom partltn d tN• Kaawnwt and yw Check ernelghe ad (!) ywt p¦yment fie receivwl H w cenbr by 3 p.m. ET (1 i< rom Pt). PI•¦•e low as I•e¦t Rq (61 bueirmas deye for poeal d?qt?moNgd by u M arty o•rr lae¦tion w in arhy aMr ram mey not 6• oredlteA m d tlmdayy we mcN?w irwn. Ur buekmw d•y. am Mwhd.y tlearWr BaaeWy, ¦wtkrdYM ktkdev, P¦ymwt¦ avcourt Iw tlm am?wept(m, paper qpe pemwha your W Fyn you asM u s dhsat(tl you auihalae ra m m¦b • orw•elh• aectiwYc traasbr debit imm yar b¦rik Please dD rot tract _ d fM dwek 41i wrtltod:arkn appaw m d Grck• rewivo durkrp tM Wiq ryde mwh {( cwt by •arwahe •Iw. 1(M camwt proaw Uw tmndr. Wu mdairs ha m make • dupe apakpt yar bark aeeorrt urhp Uw dmek, a PrWw desk w orient iterrh, ow I what's in your walleV?o STEPHANIE K SPOTTS TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE? Your account is permanently restricted from future purchases and cash advances. But, it's not too late to prevent damage to your credit. We want to help! Let's work together to find a solution that's right for you. You can make a payment with our tm check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capita! One Swam, Inc. Capital One h a feden8 reg&kral rertrocr ow4. All ngha rererued 05&07764 CapIMICW Account Summary Previous Balance $$697.00 Paymente, Credits and Adjuwnenu $.00 Transactions $3S.00 I`tmance Charges $148.20 PLATINUM MASTERCARD ACCOUNT 5291-4923-4797-3055 AUG 20 - SEP 19, 2006 Page 1 of 1 Payments, Crc&to and Adjustments Tnumactiona 1 19 SEP PAST DUE FEE $35,00 New Balance $8,880.20 Youle behind by fNir payaucam You otili can't make au}' nm Purr.Lascs or cash a6wires ,n your accouuc 3 initnum Amount Due $1,153.00 But -.w can still main your clarginu ptivdtq s and tx it+.. your account back into -Y A srrudiug by ryittg the Payment Due Due October 19, 2006 amount due on ym r statement uitlnt the nexE 30 days. Unfortunate y, if we don't nceise a sufficient paytncat, we may have to permanendy suspend your char&* privilcgcT. Need help Give us a call at Tool Credit Liue $12,000 1.80$1.95>.0600. Welt work tugrther to we wlat your options at co rebuild your acwwA status. Total Available Credit $.00 Credit Line for Cash $6,000 NOTICE: Loot for a new statement deign for your Capital One credit card beginning next momh. Available Credit for Cash $.00 A summary of the key cba%w will be provided with your new statement At 0urservtce You wen assessed a past due fee of $35.00 on 09/19/2006 because your minimum payment was not y received by the due date of 09/19/2006. To avoid this fee in the fusee, we recommend that you To adl Clusomar Rdaions or to report a lost at *Am and: allow at least 7 business days for yore payment to reach Capital One. 1-800-955-7070 I. fire m6. aoeouat senice sod rF=Avuwmw off-, log m tx www.opitdoncoam Smd psromts ox Said kgACer tx Amu Rmiimna Processing Cspstsl Of Bank Capital One P.O. Baa 70864 P.O. Ben 30285 Charlotte, NC 28272-0864 SIX, lTf 84130-M Important Account Information Beginning October 1s4 2006, based on your account activity you may be assessed more than two late, overlimic, a returned check fees that occur during any billing period. Finance Charge Aariermmternrikfirimfartantiigfffvvw io of P." #P&1#0 I+IlAK PURCHASES K7M50 .05452% 19.90% f1481 0 CASH S.00 .05452'% 19.9091 f.00 ANNUAL PERCENTAGE RATE ttppiied this period 19.90% PLEASE RETURN PORTION BELOW WITH PAYMENT C~CW 0000000 0 5291492347973055 19 8880200650001253009 New Balance $8.880?0 Pkmrpriw-irioga hen-&we--1dwg. k1-wwK.x M.* ink Minimum Amount Due $1,253.00 5ft t Apt s Payment Due Date Octclm 19, 2006 att Soee 22P Total endored $ 1 -1 Hume Phan AL=.-I,- AeconatNumber. 5291-4923-4797-3055 PanailAddnrs #9026349838460519# MAIL ID NUMBER Capital One Bank i STEPHANIE K SPOTTS r P.O. Box 70884 1slulnlrllslunlall m - 1110 RIDGE DR I Charlotte, NC 28272-0884 n MECHANICSBURG PA 17055-4483 lulrllnltul?llntlnltlllutlt,l?!nlulullr,lnlnllutll i lutlllunll!nfill ultlt1ln1111111101ns11uu1111nm1111 Please unfeyouraxowet nawrderoayf-dak w roomy order made payable to Capital One Bank and mail in the err *;af mvdop. t? g O padadfe ram. To obtain the nnrape doily balm fR the big cared by dA raanwt, vn cab tlr OWNS 10 GICh balm d ewM0raw?pm«R sash tier. Wpday+mMwnwav or aedts. Of coda N apmrs an to flartt tlda arawnwrt nod to 'Balm Nape gqdpdpppap0 To: vas also, abtmct any unpaid bnrnca drtps(ncklded in do balance of each eapn?d.1 Tie pivw u do dolly bdonce d eadn wDn«d. Tton. we add tp an do 4N b?Wnce; for each se?gratof Mil In pwbd ?dvi This gives lee the s dopy Oalerce Of each eepnwM. 3. Am l b or IAMt1. s. Th term 'A.M Petcemaps Ram' may appwr w 'APW an the irmt of dda rtatslnwt. b. If ft code P 641m), L (3YIlo. LMOPo, C (CONfcam of Depaald, «S tie (Barke nod to d rrteW Ppoduada mare ,the fiat of etatrrlsrt m pehkde raw and ANNOL f ftwAOE RAT® may vary hpirmdy and my haewe «Jcraew based m dr atatd indlow, as load in 7br Wag Spar Joaed An to marykh rfaiowd to you Thor dkarptl vA be m do pmt day of par bldg Parod wooed by V. pnfo7c statement ohdng kt dr (ratter =71F Ay aro Owber. c. If to cods D (ice. LIpOR) or 0 W rrko. LIBOR ilapiced MOPMO ?pwa m dr Oat d your suterrnsrt rn,od m dra Mil odo "do W dhe o«fode robe and ? AN PNKAi?AGE T® may vetted indl w tl 1 udinsirt " NGI Sport Jatnha(, pia 1tur margin pmAa?ltr riclowd m you. Those dagse will be eflacil" on dhe MR der d par 6pbhp pwbd 4. Awaaaw Ft of Lau„ Overirk and Nrbaned Payawt Feee. Your acceurt vrpl M aseeawd n mom tlran two d tr few pad hem drt amt dakq any bfftq period tinder to tome Of yet aatorasr aPearlat rm lewrvo dr dot to Wei" or rot m aaaaw any tsae WtvA prior ratification to y4ft" waNkq w do to atlas do same or akdar a • -r tli. 6. tar Mewl. N • mwbemlip in appwm m tlw lham d =0.0-= you have 30 dap fornh dra dam tale you m yap to avoid paykq th. M or to have ash for eredud to y- It you cancel your account tie pwfod. You may oRaaa m ra ymr aarorK having to pay the M dierddp Z. To vernal your aashat, yw (mart rardly wyWarli: eour .waiaw.mo r .r IkA R ' (0.*,ft Ow Olp mmbemFip tae) prior to th and of to Oddyday paid. 0. N yap Cbw Yea A..U.L You can rowast to dose ryaRmr acewt by csfkq ar Oamnrrr Reladorr DapaMhrw. You nant dswoy yaw or** cwM and actors actaea I I cancel ad praadrodxd bUM, and sow M ara-=,:Z- do rot prearArorisad sea vi carder noayrt of a dirge yea ralod=ation to rocipan your acceuu Additionally, sea scmat will not b. ekad mil ysu pay M ahnorris palm owe ra rick irg any tr«r.Ria. you tone sm rw draryw, par due isle, overllmh teas. mU= p@Vnmt few, rah advrroe bas and any alrr less awwead to ymr aaout. You am nwparlable for dew anrouw valrtlwr try appw m yw awout at tlM tlma you Iglwrt to low dra aarolat a try am knourmd rrwgnwt b par mwm to dose to arc Ki t. Thu wY neerR h ire- tr asm mil has load or trY%aorin of -W wcww N k rw already ben dowel For ormpla, if you road • Pudorw barn ¦ rnsrdhrrt and rve madat aReryw IeeNvo the transaction from the account has been aloaa4 Yw accent wi be reoprrd, 11r dep. w? bur added b pert awed, to anlaea Of rd rrfl beM!M yaw irM br the pap e I N will ill b a maat actv.:O=h".: h YtN d abose. 7.(1kkha Your AowwCbeencad a sceaat cannot be ueaf in- ck vrithany l avo, gambbp uwwacd? S. d`Oee Atrd Eleobune L7rek Coromrsi n. Whon you dare t fomrsdon fr ro om? Votar chocck to mks a or to dectr«de find tralaM1f Iran Yw bank occetant «m PmcweknwK w ¦ cirack iraraeem. When vn ue from yw dnaek m m ko an electradc find peel, fuda maybe vtthdnwn from Year bank accord as atom as Ors am dry we reaivs your =414 =ant receive your deck back from BILUNO PoOHFS SUMMARY (In Caw Of Emars Or Questions About Yoa Sill If you drink yoar M I. wimp, R if you reed mae kdmnatlon an a tratraetkn « big, wdm to a on a aap«am ohm w eom w pourable a tlne addrw for kRMM ahvrl n tlna Oat Of de atawrlwt. We mum hm inm you ns lour tlorn SOdey afar we art you tr And bpd m vtich dr error « pnoblan appealed You con call «r Currrorr fulodorre nunber, bht doaq se will not pprwavr yw ". In you Itamr, On u the fdbwkq inbnnatlw == nd aavhan raanber, to dollar wrout of amr, a bwdpdm of the eror and an oplrnabn, if of wvahwy you believe them is an emr, or N you 1nbrmadan s description of dr item you am Vase abort. You do not have to pay arty snout kt wtlfa rw an k, but you am A m pay dr Pb d your to an ant in Wodun vre kkveatoau yw 4a dm, we connot noraty w R calm illy action to aspect do t,t Special Ikb For Cm3t Card Pudomas If you hove ¦ pmmwa vvilh tea quality of prop" or eervfc==r vrah a Red, sad aro yw five thkh b corset th probMn v4tn the merdham, you may phoow Vo dart not b pay the mmakrkq PMwtlon w w - dr dw;1v?rre alien « e6O.00 rd tr to ctraw Yme male h wfddn 100 nice of yw mdrq addmw. (if are own or a =t ' onIf rty wrviW=e, M pu h. ape rdr =p7--,:; ll co ?. of padkew.) t go" not apply to coma non cnraR cad accounts t Aar not 4A* to NAMINOSS narrcradlt cold acc(arm C,apr'tal one wpPoru kkbrmatm privacy prR.ctim: we w webalu sx www. can. Capiall Ons Is a lty of - service mark of Capital CaPIta O. Cbrporadom AX rights reserved. a 01 LDL6AK 1. Has To Avoid A Film gape. ta. Qaue Parity. Ym will have a nbimran grace pabd of 26 days va0hotr M1wroe dwge «r moor puchaw, moor balm trrrMo, new apedal ppuurdraw aro row otl»r drnpee if You pry yw btal 'FMw Balnn', in acoadree wHh tlra Yrrpormrt Noooa for paNn«b babas. aro in Orne for It b be Retied by Your nod aatelrmm and w v.rir: In ad n orb hno r advarrose pay the total 'New m any &=E if yw do not balm.' b. Aemtiq Fklrre Clnrpe. Traraetlar Wrich am not frdo daate Of troMtmi Marx or 22) fmm to do* 11(1) aummiction YY by Vofadw?b? =1h da3)f ry, ii rid not pay the 'New Salarnce pre"M roar unpaid In r?ioi urO Mw wood balance is pold in hill. pa Tlda more #0 you may edf owe fnnrlce charges, evn H you Pay the strife Nor Balnc?e Mooted on tr fret of yw weanart by the nod eumrrrt cloakq data, ba rid not do w far dr pas -, 11101111 Unpaid trance clmrDw an added to tr wgnrm of yw Accroun. t c. Mlkraaa Fitnoe pct For each bMnq period tht the willlb?a?pYr?pao??nd If maul RWAWCEi?eQ??MAmO?EdtdkglO O once pabde r11 wbteet t r moa* Is dhn ?0 60, or v w t amwt from tr 00.50 enkinnrrn and t ho dfumrce vA be bNsd brydw gxduw w?1aK d?yar accetan. td. Teapa RrniaslYn in Fkroe leap. We.. di ft to not aatlwe any or N finance duWs for any dV«h 2. Av= Daily . fYaok.. New Fva 1. a. Rnnse tlrrye Is ealadated by rntild rkq tr day balm of each aapnwK d yea (cwt q., cash advance, pudrass, special tattler, and spacial purdwsl by t ho day perioic rwwm the haw ben prewo b yrnl At dr and of wall day du*g tw biq o«bd. sea apply do did Pedode ram For sech aeprlem d past aavkan b dr bYm d eacik dr I?eodmTM tlww daily alla adar to s1?rM rt ? e IM for each dla hamfram each eeQllelt?ak1r1r1tM?m take the the tats ybpe?ybalance rv?Y?q balance for each sof Voiar aw ea and add any row dalraetlorr :*:%= finance dwge calculated m dr pmwan r dua wprwm. We ton enbtrao paynwm a rreda paetd w of tort day that an /local to drat eeprart TNe plow u pro separae defy WlpamW for och sepnent d yw account. However, if Wkrfral (orM Naas Babas alrortl on Yelp previaa smtaorm In if tar nor balance cow tlm or a credit amism new sprat it transactions valid pot to yet puclaae or cawar 981111 MOtr addod ? dally .11dr ?We balanoa together and iNdrq tor wm by do msnlw of tar dap in to wont Mh9 eyrie. To calRlam par tool frrlce dope, m1y vas average balm dr day ran ad by 0. member of in am peb laalirq on a day base, twm may be a bdo v Grp boormon #ft cdcalirdon and to am" of We aamnorrt b. If ft rod, Z R N appear m do trod of mad to 'Bdnoe Rae Appid To: vn rmdlply to fapalrt 1Wea Paymaw you mM m u wW M credld m yw escort w d dr buYwo dry we receive 14 Providd (1) you cord tM bcaan poNm d die atawnant and par deck in dts enclosed nenilWroe emalape and (21 par paynrem ts naceivd kt w Roesealn veneer by 3 p.m. EF (12 roe Pf). PNaw abw a Iwx foe (6) brakrw dap kr portal Paymaw reoalred by a rt try oMthpere beatfan «ionetoaryrydnthyor taapmsymnxeayncnot I» ayoduud_ w d dr dev We restive dhow. Or Oukrse dap an MomYy daarak SaMM , aaduinf p. accehst kr tlra a na?KMo? tlrr?rdreck. 71ia ral?wbtakn appdw m M dreb nwivd dung tlrdrac?Wel? r?kdridx?hw? ?? eM. If we cmo[ process dr trarWer, you aWorixe w m mob a daps apalrrt your bank aoeaat ualno tlr dradk, .Paper dart a otrr lam. f Q/1siow ' 500012 ?. I what's in`your wallet?• ITS STILL NOT TOO LATE. 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 f= check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Ca piml One Services, Inc Capita! One is a federally regimend service mark. AV righu reserved 500012-08503 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balallae Minimum Payment Due Date $8,880.20 $146.42 + $35.00 = $9,061.62 $1,524.00 Nov. 19, 2006 Sep. 20, 2006 - Oct. 19, 2006 Page 1 of 1 NUM PA' AT LUM 11115 AMOUW MasterCard Platinum Account 52914923.4797410$$ Your Account Information TOTAL CREDIT LINE $12,000.00 TOTAL AVAILABLECREDIT $2,936.38 CREDIT LINE FOR CASH $6,000.00 AVAILABLE CREDIT FOR CASH $2,938.38 Finance Charges (Please see reverse for Important informa8al) Balance rate Periodic Corrasuling FINANCE applied to rate A R CHARGE Purchases $8,951.94 0.05452% 19.90% $146.42 Cash $0.00 0.05452% 19.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 19.90% ® At Your Service 1.80055.7070 To call Custorrler Relations or to report a lost or stakn cad: ® Send payments to: CepiW One Bank -P.O. Box 70984 • Charlene, NC 211272-0984 A Send Inquiries to: capital One - P.O. Box 30285 - Sat Lake City, UT $4130-0285 You're behind by five payments so we've permanently suspended your charging privileges. R you don't make a sufficient payment within 30 days of the Payment Due Date shown on this statement, well charge off your account and report the charged-off status to the national credit bureaus. Please don't let this happen, It you're feeling overwhelmed, call us at 1.800.955.6600. We'll work with you to resolve this matter. Pavments. Credits & Adiustments Transactions _ 1 19 OCT PAST DUE FEE ----- ---- $35.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 7 19 061019 PAGE 1 of 1 COLR233S OlEC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5291492347973055 19 9061620650001524000 otle I what's in your walkir Account Number: 5291.4923-4797-3055 New Balance Minimum Payment Due Date C$9,061.62 $1,524.00 Nov. 19, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank 11u1u11u1111u111 P.O. Sox 70864 Charlotte, NC 28212-0884 11d1111d111611111L/1dIL11L16L11111111111LIL11111111 Please print address or phone number changes below using blue or black ink Address Home Phone Alternate Phone E-mail address 0402434163846051641, MAIL ID NUMBER STEPHANIE K SPOTTS 3110 RIDGE DR MECHANICSBURG, PA 17055-4483 1111111/1 1 1 1 11111 I I 1 11111111 is 11111111111111111111!111111111 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. STEPHANIE K SPOTTS 1. Roar b Avoid a Phwse Charge. t a. Graes Parkat. You will have a mkYrrwm grace period at 25 drys without fiance charge on now purchases, raw balance transient, now, special purchases and now other changes If you pay your hoer Taiw Balance', in aomroama with taw knpalant Rolm for payments bit=, and in tins freao be credited by W need alremwt tlceky des. There Is no Odes period on am advances end special eanshim. In addtfon, time Is no Oaes period on any transaction If you do not pay the add *Nma bill,' It. Accruing Finns Charge. Tmnadbro ~ we not PA*d d ow of period transaction we mn assomM or 2) from d the data as 1) from he transaction is processed to your Account or 3) from the hr calendar day ems acct being period. Addionmlt$ If you did not py dle'Nrv A 1 0 ern tiro previous bBkrg period in full, tame duties cm are to acru , to your unpaid balance unit the unpaid bWrtca Is paid in fut. This mere tut you may so owe Rw" dhalgea, "an If you pay to entire Now Balance Indicated on re fiat of your eastern" by the nod atsMnard doWp data, but did not do to fr the previous amrwl Unpaid lhama dlalges are added b to appisao segment of your Aomori. T c. MIrdmaa FYnaws Charge. Fr each MOM paned hr ymr acaum b atgrt to a kwmr deg., • milkaam boW FINANCE OVJtrA d$O.SD hod bo "m@W. t d. Temporary Reduction In Flan Charge. tffe remove this dye to no saasas any ref rend charges for cry given Mang pw W. 2. Average Dally Scions (Yneuding Near Prehnasl. Fawns dwrge is ObAs d by multiplying to daily ted nce of each sepnrd of your amount (s4, rah advance, puadww mum audit and WKW purchase) by taw mrsspordng defy park do rebels) that has been previously disclosed to you. At the and of each hay during to being pwW. we apply he duly periodic rod for each segment dyour account: So the daily balance dealt segment. Than at this and of to bOV period, vat add up re results of roes dry eMoAmMm to aeiw at your tarmac too charge for each segment. Wle adtl up the Muss arm each segment to rive at re tar prlodic Blanca charge, for your aoornl Tb gee taw defy bairlCe, for each aagnMd of Your accent. am law 1o', -' 'rq balance for each migrated and ode any, rww wsadiom taw any, Parodic linens charge calGbted an do previous days bottom for to sag ant. M4 hen oubaaot ay Pownws or roves plead as chat day car are allocated le rat segment This gives ere aepar, defy, baWae for each s@Wrwdof your accord Rrwe4ar, r you paid hu Now Balance shown on your previous statement In full (r ryour now, balance was zoo or a rodir enured), now, prreions. which pmt to your purchase or special padres estimates, are not added to the day bollworm. W4 calculate the average dry balance by sd3hg ef he day clues together and dMdng he won by the numb of Our days In the mmant biling circle. To calculate yaw tots) thanes charge. multiply Your nerapa daily hint- by to daily pwkmk rate and by tie number of drys In he biting period. Due to rounding on a defy been or due to milmmm linos charge sobeament, hers may be a volumes beemon his aaalation and the amourd of haws charge aaawy aaaesaW. 3. Annual Percentage Reba (AMII. a. The 1am'Mnual Peamarntspe RW may appear ea'APR' m the *Od of M atatsmenL It. If the coda P Mmdmty prima), L (Quarterly LIBOR), C (Quarterly CD), rS (Bw*cwd Prima) appeals m the front of his rWlllent ned to ft periodic Me(t), tie parmdb MM end mneapordkrp ANNUAL PERCENTAGE RATES msy, wy ww"ww army khrorw rdsrere beaod en fie Mead kits, as mud m The WW Seal Journal, plus he msig n pmmYaydiedoead bycu. Them ahrrpas will be"IfseM on taw mat day of your bhp Period co," by Your periodic seamed andkp In the mad; of Jersey, ApA July NO Oalobr. C If the coda D (klor" Prim). F (Mortwy LIBOR), or O Mosmay LIBOR) approve on this from of your saturated rate to ale Wrmdic rW(a), taw periodic raise and ANNUAL PERCENTAGE RATES may , very monthly and - - rdsoom bald m he atatsd indices, as law In The WM Stream jot". Plus In. margin pravloody, d isclosed to you. The" changess M be on t and dyor bww period «bn ntam. 4. A"onmae of Lab, OvrinR and Relented Payment Faaa. Under the bone of your asbmr ageamwd, ver mwva do right to %aw or not to seam try teat vdhad plc naRestlen ta You wawur vsivmg our riyd to assess M aenw a sinlrfeas at a Merrnhe. t , onit* front d your settlement you have 30 days *am den ode •aWllamt was maid to you to avoid payiq tie too or to have such in madded to you a you crwa yon scouted wAW having to pay me nsm6aaNp has. To esncel yaw aeooanG you must notify in by ailing or Customer Relativist Department and pity your IN" Balance Its full (excluding the membership few) pion to ha ens la fie wlyary prlod. & R You Goes Your Account You can request to am your account by sling our Customer Relations Department. You mat destroy, yaw amd cord(s) aad account antra dodo, corral all prewmaliad being and ceas" Weep your account. After your nwAew I. Wes, r you continue to Wanted or do not anesl preaumaiad being rmnpentme, fie WI comidor recalls of a charge your su hortrdon to keep your amour open. AddiamWy, your amount will not be claw until you pay all amounts you oar, us kuhx tp: ay tromma me, you have authorized. firmer, changes, pal dal teas, mmin* foes, lenerhad psymwm it". cash adremos teas and any other haw aswwmcI to your wound. You era rrparulte for has" anannYhathrar OW appsr on your asst at the hoc you request to dace the 80MM or hay are Im red oubeegwnt to your request In does he amount This msy raauk lm derpr appaaltrig en youraotoua aSar you have mpm W he account to be closed. 7. Using car Amount. Your cud or amourd canna be Land 'm connection wan any Inrmst gambling tramsections, 8. Rat m About Electronic Check Comaralen Whan you provide a dladk as psymors, you authorize us other to use infmlnhalun ham your dark to make a one-lime s, ,. 1, fund moulder from your blue accent or to poses the payment as o declk transaalm. Wham we use letrmatmn from yon dwdk to make an electronic said transfer, fueda may be %#Jxkw m tam your bank amount as tom as the sma dry vow too" your payment, and you will mt ocal yourcheckbw**omyou SnwW1bwmtlm. RILUNG RIGHTS SUMAARY (In Casa of Enna or Oue"tlae about Yom fur) you perk Yale bur le wrap, or If you need mom ktomadm on a aanasman fir bill. writ ID w On ¦ SMWVA ear as Olson 86 possible at the address for hlquifas shown m the fiat of tits statement. We must her hom you no New hen SO drys afar as sea you the and few on which he err or praWrn appeared. You an a1 tar Customer Relations number, but doing es will not pnomme your riyas. In your leasr, pal w tie foami g into ollon: your ante oW socount nunlwr, ha dolor amount dtu asp@cW rrer, a dsocrkMm dtu enr cad w eapW dm. tponds. dwhy you bellevafree lean smor: rat you iced n me kOwnrrmh, a description caw Item you are urnsa abad. Wu do not have to pay any amount in question while w" am bweallpomq it. but you am elN obegsW to pay to pant of your bill taw are not In question. N1tle vm Invaefgme your question, ww arswt repeat you s defnquent a tents any aclmn to coiled the smohsm you question. ;. T Special Rub for Credit Cold Purchases If you haw a pratlern with the ghaay of property r srvkas cwt you purchased with a credit card and you have tried In good halm to mind taw problem v h he nwrdwm, you awry have taw right not to pay tlw ronanihp amours clue on to property or services. You have alb prate .. only when the pumJras price was mom than $50.00 and to purchase was mode In your home aside or wittn 100 mile dyer rneimg address. gf we own or operate to mertlwht, or awe m*W you he advertisement for the property a services. all purchases w covered regardless of amour or location of puchas".) Plan nemernber to sigh all unrpon dance. t Does not apply to consunermn-oreoa card accounts t Dom; not apply m busmass mrvsrsdr card accounts Copts On supports mbrtnawn piwLy protection: sae our webolle at ,per. Capital One is a fWray registered service mark of Capes Ons Financial Ca )we#on. Al rights reserved. O 2008 Capital Om 018C8858-8-12MIN Yeporiasl Itetln: PsPraYS you mat m ur alesmedsd m yen soma m rime baiastdsy w reaw X, Potdr (+) ro awl me bdmm pormm d eta aletemotrd rot curd h ms enemata nrntlrw enwlrps w (Z) yen psymas Is ramaies n oe proertvp recur by3 pm. ET l12 noon PT). Plrnsbaa isea fie (S) mrkrtsdaye brpoera defwy. Psywr ieueaes M w raiyamr mullet r h entry amrMn nhey W b rarer ad fir dry w rents man.0ur bmkwetusys se WwdD'tlvouhph 9s1WSy. srdtlkp MYhye. Peeae fro M ue ataplr, peprdga, ek. ran P"Darkg Your payment. whwhyou sew we dwelt), youadmits a to mats s onetme ewaaie tweet date from your bet stand fa Our noel of me dale. This ww raadun apples to r deft mothrof during tit being check. opepteedrwid amraw else. lw esa Drosses tlw 6anasr, you awake tam make ¦ dirge spent your bat shard aN the dwek a orotlwr esn. • eapffalow NOT PAYING YOUR DEBT 5=13 s I what's in your wallet? DOESNrr 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 fry 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 statwent within 30 days to keep your account from being charged off. ® 2006 Capital One Services, Inc. Capird One is a federally refistered s-ke mark. Ad r4ha reserved 500013-09503 FINANCE Previous Balance Payments b Credits CHARGE $9,061.62 - $0.00 + $159.45 Oct. 20, 2006 - Nov. 20, 2006 Page 1 of 1 MasterCard Platinum Account 521IM49234797.3055 Your Account Information TOTAL CREDIT LINE $12,000.00 TOTAL AVAILABLE CREDIT $2,743.93 CREDIT LINE FOR CASH $6,000.00 AVAILABLE CREDIT FOR CASH $2,743.93 Flnance Charges (Phase am reverse for important information) Bappnle rate Pea PA RdI? CHARGE to rate Purchases $9,139.68 0.05452% 19.90% $159.45 Cash $0-00 0.05452% 19.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 19.90% ® At Your service 1.800.9557070 To car Customer RoMms a to report a bat a sbbn card ® Send payments to: Coped One Bank - P.O. Box T0884 • ChadWk, NC 282T2-M Send inquiries to: Capita One - P.O. Box 30295 - Sae Lake Cry, UT 841304M Transactions New Balance Minimum Payment Due Date )+ $35.00 = $9,256.07 $1,801.00 Dec. 19, 2006 .}. KMSE aw AT LL49 TM AMOUNT Your account is six payments behind. If we charge off your account due to late payments, we will report the charged off status to several national credit bureaus, and the Purchase APR as reflected on this statement will be applied to all your outstanding balances. Act now to prevent this from happening. Please pay the amount due on your statement or give us a call at 1.6W.955.66W. Wei work with you so you can take control oaf your account and start rebuilding your credit with Capital One. "Important Notice" Under the terms we pravbusy disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that K you fail to keep your account in goad standing, Capital One reserves the right to raise your APRs in the future. Payments, Credits 8 Adlustments Transactions 1 20 NOV PAST DUE FEE $35.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 7 19 061120 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5291492347973055 19 9256070650001801007 CkIpAWO' I what's in yourwalktt' Account Number: 5291-4923-4797-3055 New Balance Minimum Payment Due Date Please print address or phone number changes blow using blue or black ink. $9,256.07 $1,801.00 Dec. 19, 2006 Address PLEASE PAY AT LEAST THIS AMOUNT Home Phone Akemate Phone E-mail! address 4D Amount Enclosed e90325498384605169 MAIL ID NUMBER STEPHANIE K SPOTTS 3310 RIDGE DR Capital One Bank 111ri1rli11l1irrrill MECHANICSBURG, PA 17055-4483 P.o. Box 70664 1/111111/11 I I 1111L61111 oil 111 1 1111111 111 oil 1181111111111 1 Charlotte, NC 28272-0664 111 1 111111IN IIrII11111111111111111111 11111 111 11111111111111111 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. STEPHANIE K SPOTTS 1. Horn to Avald ¦ Flrwnaa Charge. t a. Grace Peeled. You will haw a mbinwin pace pedod of 25 days wNcutremce drove on new pumheses. new trance benders, raw special purchases and new, other charges t you pay yourlohl 'Now, Didence. in accordance wilh the Impalas No** for psymena below, and to time for kb be aedked by your nine statement dosing data There is no gem pebd on cash advances and spatial insiders. In addO m, tens b no grace period on eery tnmu clan tyou do not pay the toad "New bat os. b. Aearuky Fiance Charge. Trsraedas which an, no rged to a grace period w sesesead Mann charge 1) ho dus date of the transaction or 2) horn Via doe On transaction b processed to your Account a3) tan the hat calendar day at me ounces ttwng period. AmtaWry, If you did not payts'Near Babnca' tom the pwAc e; hip ped•d b ful, Mance charges eadnce to accrue b your upheld balance, wM to unpid balance is paid 'in fut. This news duct you may she owe hams charges, even t you pry the ember New Balance Ind oemid on ON has of your accountant by the ran Mebr WO dcekg daft, but did rot do so br to prsybus manta Upabl hence d - M added lo the applicable segmasdyour Aoo unt. t c. Minknae Horses Charge. Fareadh big peiod the your adeerrd In eb)ed In a Male data, . miraam load FINANCE CHARGE d$0.80 will be :nposed. t d. Temporary Reduction In Finance Charge. tNa nue M to right It not snow any or as Kann charges for any glen ding Perot. 2. Attests Dally MaI pnrudlav New Pureh smm) Fsares daps it caiblded by mustptykg the day balance of each segment dyoa account (e.g., cash odverwe, Purchase, special arWa,inn special Purchase) by she omeepondirg dry prtodb mWe) sou has been previously deduced to you. At do and of each day during the big period, are aptly to day periodic orb br each uspMM of your amount to to dally balance of each segment The at the and des big period, we, add up the se ft of gees easy osWSatoe b arias at your pedodo =arse dorgt frX each soomet. As a0tl up ao resub form each aepnsnt to anya as to idea perbAU fierce chugs br yourenerMToPtlhsday bdlarra fasedho lememd your amout war lair she b.dnrg belaaa fortieth sepias andadd any naw a t any pericift Martin daps calculated on Ow pre-bus days balance for to segmert VW parr x6vaid any payments or croft pasted es of td day Mass alceated at that sepront This gMS w tiw aaprab duty balrnce for each segment of your amount. Howswt, If you paid M Nos B Bonn shown on your pervious iA1 In full (or W your rem, balance am zro or a =0 apeunt), new transactions. which post to Your pr?dese or spodal purchase saPreste am not added to tea dally bWncee. Nos calctate tar annirligo dally balance by adding Y One daily beherloss "Whor and dMdrg to ash by the ember of the des b tea cumom billing oyde. To Webb your load finance charge, multiply Your awsrage duty balance by Ma duty F' '" " rata and by tie number of days In the bMrg prod. Dhw b founding on a daily basis or due to minimum *once charge M"NwL Ohers may be a vdance between Olio calcination and the amount of Imance charge actually aeeeMW. 3. Annual PrconbW Resse (AP4 a. The error "Moor Paceragp Rob" may appear se "APR" or the fiord deals VA%mem b. N Oar code P (QuaMrty Prlmeil, L (QrMrly LIBOR), C (Q omany CD), or 8 @w*crd Prime) appam on We front of aft essbinent not to the periodic rate(s), We Periodic raw and mnsepalrng ANNUAL PERCENTAGE RATES may wry quradlyaed rtey knoresesadaaara based on am read Indiana, se bud h T h. Wall Surest Jamul, Plies the marym pmlmutydlrJaed b you. TNrese dW9M Will be Mpu#ut an t ho tout dry of your bang pvlod covered by your padodlc rsumrd ending In der months of January, Aced, July ad October. c If a% coo D Pdonthy Prima), F QW.W hly LIBOR), or G (TSawry LIBOR) uppo ca on the told of your statement next to tw periodic rese(t), am prscdc sat and corresponding ANNUAL PERCENTAGE RATS may wry monthly, and may knaew or drawn based on the stated indices, as rood in TM WO SWM Jut", pica the margin pw ouily disclosed I. you. Thar charges will be etbcaw on the drat day of your Me Period Sam mcmh. {. Assessment GO Late. OvWNMR and IIebalnad Peymom Faso. Usher tits him of yaw armor agresrnoM wo reserve Ow rigid to welw or not to awl any bas vim" pdwm Mod- 1. you wmhadwoh"ourrlgibasesseme ssme ds wan W fees at a teartma. t 5.A n ao rant d Vow Account. If a Pd ys hmrlha debd tNWAMMarseMOWbyoubaveidpayigtiw M a b have such bs reared b you t you cencal your account without having to pay the nwiborrap be. To cane l WuaccotM you must nodly, us by calling Our Customer RMerio i Deportment aid pay your Now, Bounce" h Ail (ercbdng the membership be) prior lo ft ad des rryaay prod. 8. it You Claw Your Account. You an request to duo your account bycalling our Goner Mutation Depamnam. You moot destroy Wcisda cad(s) and soodu t saase darts, cacal she prarWral[ad bi ft eel M" wing your acownL Mar your fattens to doom, it you continue b based of tip not ancel Dmaaeddsed billing ampripmm4, wt will consider sapda cogs your eu wWknb keep you soaou t pen. AddaonrlA your account will not be dosed until you pay M amounts you cov us including: any connection you have anprMWd, fiance changes, pass due tees, overlap far, roamed papmt has, rah advance fees and any other feces caesred to your oconum. you as reparW kx tlaes amounts whether ttey opperon your amount M the tone you reduced to dace #a amount or they am loomed oubmequant to your requi st to dam tits aoraaa. This may least In doges •PPa. I onyorarroustimeryou he" spared gds account to be dosed. 7. Uabg lister Account. Your card or account cannot be used in connection with any Internet gandiffini; transactions. 8. Notice About Eledsnb Check Conversion. Wan yom provde a duck as proncend, you authorize us sear to use in/mna8m hom your dadk to now a oce-ema electronic had annular ftm your bark soctaind or in process, the papnws as a aho&mirwedlon. Munn we uea Information from your deck b moos an elsdrmb had Uanehr, ands may be wMdmah fmm your bank sccmrd as soon es to one dry we reWv.your paymwi, and you w= not receive your ehadk bad, from your Imenclal Institution. BILLING RIGHTS SL%OAARY on Cam of Enos or Questions about Your BB) If you a" your bit b wog, or if you reed mss Information on a banarran or bll. mri s to- m a wparab reel es soon as possible at the address for bugadM ahawt on to (MI of this susenrent % read how from you no IMer than 80 days after we sae you" Ara bll on which the atora prolilsn appeen d. You and or Custom Reladons mama, but doing so will not preraYe yaw novis. In your Iran,"" tha following kiamadon: your noels and account nailer, she dale amount of the suspected error, a description of the ands and an axpantm, i pwsbb, dvAy Y•1n betewamtwe la an error, ds t you need more Ynlomrtlon, a desaipgm ems lam you ars unsure, about YW do not have to pry arty amount in W~ Whta Male kneatgmI g a, but you we eM obllgesed to pay the parts of your bill to n not in question. White we MvenOWN your Wonder, we cannot rape you we delinquent or late cry adbn to oollect In amount you question. i, t Special Ible for Credit Card Fnrdoset tyou haves problan with time oft Of prapony or meniscus that and you haw OW In good folth to correct die problem %M Via rl oic art, you a" hM the right no lo pay theca wine wnmA due on ft property or aar*da. You haw dit prdedlon only when On purchase price was more than 860.00 and Via purchase wes made in your ham slats or wean 100 miles or your make address. Of we mem or operates new m lathes, or If we nWW you the arNagwne t for tar Property a swkws, an psdmn are cornered regardless of amours or location of purchases) Paw ramsnnhwia Mtn all correspondence. t Dose not apply to mnaYm er nonarsrM' card accounts t Goes not appyb business rdnFomdlf out, accounts Caput Ona Supports kromatkn privacy protection: w our Wabe1N M Capita hew it a ladaaiy registered note mark of Coined Oro Financial Corporation. N rights reserved. O 2008 Cephai One TC-M GIB(:aUW - e -11 Z1lba lmPradd tastes: Payments you min to oat be aedled to yaw armui as of tlubakmdafMAlm o it, MAded (1) you rand the berm portm dtlIYWWMIrryardod in ino x ad anvaoe anw4pe ad (21YarpMmeM lass'rMNherpaaaeg crow icy y pm. ET (12 noon PTf. Fiw rose r led M (b) brYlw draw brpoMrtbtony. PaYr.nb nceked bin o r sly eta Ioorllon ah any err form may norburaadaed sedtie daywnceiaIsm. Orbaknwdes asHadarieoriat Srrday. acbdhq hu dew. Pratedonutuw&WiM.ppedo.etc AwlpreMff PaNtaer tNwnyceaerd Medrd(q, yea aalatrsa bmoreaenrages ebaionic 9aaMdMN bum ymeWf a0aalllf bin tlM anldlad dtlrdrclc TNd eotatratlcn epradtb r wars aakdel.alg to big cede wen tl led tyaarom ash. f us crash pones do herder, you morose r lomale a verge apirat ym bur swoon uMV tie dock a pope dstoadrr gem. ?..' c"> r- r Y t ,'_} .: C""t t 1; {: ?? - .? ? J-?. ,f :?. ?.? - '? ?.-J IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK USA NA, Plaintiff V. STEPHANIE SPOTTS, Defendant No. 08-4887 CIVIL TERM ANSWER TO AMENDED COMPLAINT 1. After reasonable investigation, Defendant is without sufficient knowledge or information as to the truth of the averment. 2. Admitted. 3. Admitted. 4. Denied. Strict proof of this averment is demanded at trial. By way of further response, Plaintiff asserts that Defendant owes $9,438.56 in principal; however the credit card statements that are attached to Plaintiff's Amended Complaint do not show that this is the amount due. In fact, the most recent statement that Plaintiff has attached to the Amended Complaint is dated October 20, 2006 through November 20, 2006, showing a new balance of $9,256.07. Defendant is without any information as to how Plaintiff concluded that Defendant owes $9,438.56 in principal. 5. Denied. Strict proof of this averment is demanded at trial. By way of further response, Plaintiff asserts that the terms of the credit card agreement require Defendant to pay 19.9% interest. The credit card agreement that is attached provides that the daily period rate for determining the interest rate will appear on the monthly billing statements. The most recent statement that Plaintiff has attached to the Amended Complaint is dated October 20, 2006 through November 20, 2006, showing an APR of 19.9%. This information demonstrates what the interest rate was as of November 20, 2006. It does not provide Defendant with any information as to the current interest rate. Furthermore, Plaintiff has not provided any information regarding the calculation of attorneys fees. 6. Denied. Strict proof of this averment is demanded at time of trial. By way of further response, the statements that Plaintiff attached to the Amended Complaint demonstrate that as of November 20, 2006, Defendant had failed to make any payments on or about September 19, 2006. However, Plaintiff provides no credit card statements for any period of time after November 20, 2006. 7. Denied. Strict proof of this averment is demanded at time of trial. By way of further response, Plaintiff has only provided credit card statements from 2005 and 2006 demonstrating that as of November 20, 2006, Defendant was behind in her payments. Plaintiff has failed to provide any information as to any demands for payment that have occurred after November 20, 2006. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff Amended Complaint with prejudice. submitted, Date Sem C. S luzis C e Court I.D. No. 43829 Attorney for Defendant Scaringi & Scaringi, PC 2000 Linglestown Road Suite 106 Harrisburg, PA 17110 717-657-7770 franknscaringi law.com IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK USA NA, Plaintiff V. STEPHANIE SPOTTS, Defendant No. 08-4887 CIVIL TERM CERTIFICATE OF SERVICE I, Frank C. Sluzis, of Scaringi & Scaringi, P.C., do hereby certify that a copy of the Defendant's Answer to Amended Complaint in the above-captioned action has been duly served upon the following, by depositing same in the United States Mail, First. Class, Postage Prepaid, addressed as follows: Paul J. Klemm, Esquire Nudelman, Nudelma 425 Eagle Ro Roseland, N?4 A6 Date: l ` Z? (? ,--< <_? fT? r? --? ?.-?_ ?, _, r.. _;:' _,? ,`. _" , ` -, C.33 _? David D. Bueff Prothonotary 2?jrkS• Sohonage, ESQ, Solicitor n f C 1-1 0 W§nee X Simpson 1St Deputy Prothonotary Irene E. Morrow 2" d Deputy Prothonotary Office of the yothonotary Cumberfand County, (Pennsylvania os _. g188? CIVILTERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 25TH DAY OF OCTOBER, 2011, AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P 230.2 BY THE COURT, DAVID D. BUELL PROTHONOTARY One Courthouse Square 0 Suite 100 0 Carlisle, PA 17013 • (717 240-6195 9 Fax (717 240-6573