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HomeMy WebLinkAbout08-5773IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff NO. 08 - 51'13 C aa -CrrN V. KAREN HARBOLD Defendant(s) COMPLAINT IN CIVIL ACTION Filed on behalf of: CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PF_PA_1 I Cmplt Cvr Sht P&F File No. 08-12947 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. ) Plaintiff ) NO. V. ) KAREN HARBOLD j Defendant(s) ) NOTICE TO DEFEND You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within TWENTY (20) DAYS after this Complaint and notice are served, by entering a written appearance personally or by an attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. Usted ha sido demandado en corte. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar accion como se describe anteriormente, el caso pude proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au otros derechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 PA 21Notice to Defend LISTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 P&F File No. 08-12947 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. j Plaintiff ) V. ) KAREN HARBOLD Defendant(s) ) COMPLAINT IN CIVIL ACTION NO. O k- 3'77-3 AND NOW, comes Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., by and through its attorney, GREGG MORRIS, ESQUIRE and the law offices of PATENAUDE & FELIX, A.P.C. and files the following Complaint in Civil Action, and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A. , is a corporation and for the purpose of this litigation, maintaining a place of business c/o PATENAUDE AND FELIX, A.P.C., 213 East Main St Carnegie, Pennsylvania 15106. 2. Defendant is KAREN HARBOLD, an adult individual, believed to currently reside at 4529 ROLO CT MECHANICSBURG, PA 17055-5889. 3. Heretofore, the Defendant(s) opened a account with Plaintiff being Account No. 5178052077035141, for the purchase of good and services. 4. The Defendant(s) has/have made or authorized a number of purchases and as of May 21, 2007, Defendant(s) owes $3,926.22 on said account plus interest at 28.10 %. 5. Plaintiff maintains accurate books of account recording all credits and debits for this account. PA 05 Civil Cmplt Crdt Crd P&F File No. 08-12947 6. The Defendant(s) have/has received monthly billing statements from Plaintiff setting forth the nature and amount of all charges made by Defendant(s), and the transactions between Plaintiff and Defendant(s) give rise to an account stated, upon which Plaintiff has relied. 7. The Defendant(s) made payments, but have/has refused to pay, and now refuses to pay the balance due and owing on the aforesaid account in the sum of $3,926.22, plus interest and costs. 8. By failing to object or dispute the statements, Defendant(s) have/has assented to and agreed to the correctness of the balance due on the credit card account so as to constitute and account stated. 9. Despite repeated demands, Defendant(s) have/has failed to make the required installment payments when due and therefore the full amount of the account is now due and payable. PA 05 Civil Cmplt Crdt Crd P&F File No. 08-12947 WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the amount of $3,926.22, plus interest as set forth herein from the date of breach, with continuing interest at the legal rate thereon from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by "Court. & Filix, A.P.C. Date: July 16, 2008 7eiazie. gg rris, Esquire E. Street nPA 15106 (412) 429-7675 PA 05 Civil Cmplt Crdt Crd P&F File No. 08-12947 . 11 VERIFICATION The undersigned, Gregg L. Morris, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed the verification at the request of Plaintiff as a matter of time and convenience. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the foregoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The statements are made subject to the enalties of 18 Pa.C.S. Section 4904, relating to unworn falsification to authorities. Date: July 16, 2008 PA-01 Atty Verification W.ain orris, Esquire & Felix, A.P.C. 2Street C A 15106 (4675 MF File No. 08-12947 g R 3 C'? rv . . a t-i SHERIFF'S RETURN - REGULAR CASE NO: 2008-05773 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK USA N A VS HARBOLD KAREN NOAH CLINE , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon HARBOLD KAREN the DEFENDANT , at 0020:10 HOURS, on the 2nd day of October , 2008 at 4529 ROLO CT MECHANICSBURG, PA 17055-5889 by handing to LAVERNE YOHE ADULT IN CHARGE a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 10.00 Affidavit .00 Surcharge 10.00 4 .00 Sworn and Subscibed to before me this day of So Answers: R.`Thomas Kline 10/07/2008 PATENAUDE & FELIX By: 7 Deputy Sheriff A. D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD, Defendant TO: Gregg L. Morris, Esquire Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 Attorney for Plaintiff CIVIL ACTION - LAW NO. 08-5773 CIVIL TERM NOTICE TO PLEAD You are hereby notified to file a written response to the enclosed DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT within twenty (20) days from service hereof or a judgment may be entered against you. Dated: Step en K. Portko, Esquire Bratic & Portko 101 South U.S. Route 15 Dillsburg, PA 17019 Attorneys for Defendant 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff CIVIL ACTION - LAW V. KAREN HARBOLD, Defendant NO. 08-5773 CIVIL TERM DEFENDANT'S PRELIMINARY OBJECTIONS Defendant, Karen Harbold, by her undersigned attorney, preliminarily objects to Plaintiffs Complaint, as follows: 1. Plaintiff filed this action and identifies itself as a corporation but fails to provide its principal place of business. 2. Plaintiff's action is an attempt to collect a purported credit card account between defendant and CAPITAL ONE BANK. 3. Plaintiff fails to attach a signed card agreement or application by Defendant and the actual terms of the credit arrangement are missing. 4. Plaintiff alleges in paragraph 4 of the Complaint that "Defendant(s) has/have made or authorized a number of purchases and as of May 21, 2007, Defendant(s) owes $3,926 on said account plus interest at 28.10%"; however, there is no description of any goods or services and when such purchases were made. 5. Additionally, the verification attached to the complaint is not signed by a party but by counsel for Plaintiff. 1. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 6. Paragraphs one through five are incorporated by reference as if set forth at length herein. 2 7. Rule 1019(1) of the Pennsylvania Rules of Civil Procedure requires that where a 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. 8. Plaintif fails to produce an agreement and statement of account. 9. Plaintiffs complaint is silent about the substance of these writings and whether each writing is accessible. 10. Plaintiff fails to include any writing or substantive documentation regarding the alleged account between defendant and CAPITAL ONE BANK and it is impossible for Defendant to determine the correct amount of the debt or, indeed, whether any debt is owed. 11. The lack of any contract or other writing makes it impossible for Defendant to determine whether correct or allowable interest, late fees, over limit fees and other charges were being assessed, with the lack of any account history making such a determination impossible as well. 12. Defendant cannot determine whether the claim at issue would be barred by the applicable statute of limitations because of the lack of information about the date of last payment and the signed cardholder agreement. 13. Plaintiff's pleading is insufficient and should be dismissed. WHEREFORE, defendant respectfully requests that this Court dismiss plaintiffs complaint. II. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 14. Paragraphs 1 through 13 are incorporated by reference as if set forth at length herein. 15. The verification to plaintiff's complaint was not made by the plaintiff, but rather was made by plaintiffs counsel, Gregg L. Morris, Esq. 16. Pa. R.C.P. 1024(c) requires that: 3 The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of his information as to matters not stated upon his own knowledge and the reason why the verification is not made by a party. 17.The verification to plaintiff's complaint does not set forth the source of plaintiffs attorney's information other than a vague reference that Plaintiff "represented to counsel that-there is a debt". 18. Further, plaintiffs counsel fails to provide any reason whatsoever as to why the verification could not be taken by the plaintiff. 19. The verification to plaintiffs complaint is defective under Rule 1024(c). 20. The verification being defective, plaintiffs' complaint is not properly verified as required of a pleading under Rule 1024(a), and must be stricken. WHEREFORE, defendant respectfully requests that plaintiffs' complaint be stricken. Ill. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW, 21. Paragraphs 1 through 13 are incorporated by reference as if set forth at length herein. 22. Plaintiffs Complaint fails to set forth sufficient facts as to time, place and items of special damages with specificity, as required by Pa. R.C.P. 1019(f). 23. Plaintiff alleges in paragraph 4 of its complaint the following: "4. The Defendant(s) has/have made or authorized a number of purchases and as of May 21, 2007, Defendant(s) owes $3,926.22 on said account plus interest at 28.10%. 24. Plaintiffs purported statement of account is nothing more than a list of the debtor's name, account number, creditor's name and balance due apparently prepared by plaintiffs counsel after the fact. 4 25. Plaintiff's Complaint fails to identify the specific "goods and/or services at the times, of the kinds, in the quantifies, and for the price", as alleged in paragraph 4 of Plaintiff's complaint. 26. The Complaint does not comply with Pa. R.C.P. 1019(a), which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form". 27. As a result, plaintiffs complaint is vague and general and does not specifically state the debt incurred or what, if any, payments are due and the nature of the charges included as part of the amount Plaintiff claims to be owed. 28. Under Pa. R.C.P. No. 1028(a)(2), a party may preliminarily object by way of a motion to strike off a pleading because of lack of conformity to law or rule of court. 29. The substance of Plaintiffs Complaint violates the Pennsylvania Rules of Civil Procedure and must be dismissed. WHEREFORE, Defendant respectfully requests that Plaintiffs Complaint against him be dismissed for lack of conformity to the Pennsylvania Rules of Civil Procedure. IV. INSUFFICIENT SPECIFICITY OF A PLEADING. 30. Paragraphs 1 through 13 are incorporated by reference as if set forth at length herein. 31. Plaintiff alleges in paragraphs 6 through 8 of its Complaint that the balance due on the credit card account constitutes an account stated. 32.A cause of action for an "account stated" must allege four elements: (a) transactions of a monetary character involving the parties to the action; (b) the existence of accounts embodying such monetary transactions; (c) an agreement by the parties to such transactions that all items of such accounts are true and that the balance is correct; and (d) a promise to pay such balance. 33. The Complaint fails to set forth the elements of an account stated designated (a) and (d) above. The Complaint is thus deficient at law and should be dismissed. 5 34. Plaintiffs complaint lacks sufficient specificity to apprise defendant of the issues to be litigated or to allow her to adequately prepare and assert defenses to plaintiffs allegations. Moreover, the deficient averments prevent her from being able to identify and join any potentially responsible parties as additional defendants such as a primary signer who may have the sole obligation to repay the alleged credit account. 35. Additionally, Defendant is entitled to more specific information to be able to answer intelligently and determine if he is even obligated for such credit card and what items she can admit and what she must contest. 36. The Complaint generally asserts a breach of contract and other failures of performance against Defendant, contrary to Rule 1019(f). 37. The Complaint fails to state any facts upon which the amount of damages may be calculated, in violation of Pennsylvania Rule of Civil Procedure 1019(a), . which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form." WHEREFORE, Defendant respectfully requests this Court to dismiss Plaintiffs Complaint or, in the alternative, require that Plaintiff plead more specifically the averments of its complaint relating to "account stated", "damages" and the "nature of the default". Dated: 16/1510E Respectfully submitted 11?? V-" -J Stephen K. Portko, Esquire Bratic & Portko 101 South U.S. Route 15 Dillsburg, PA 17019 Attorneys for Defendant 6 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Preliminary Objections was furnished by U.S. Mail, first class, postage prepaid on this 1S--day of c) , 2008, to: Gregg L. Morris, Esquire Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 Attorney for Plaintiff Dated: 0 lS O Step en K. Portko, Esquire Bratic & Portko 101 South U.S. Route 15 Dillsburg, PA 17019 Attorneys for Defendant 7 s ril - -? c a 4 rn CA) 5:.o r- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff NO. 08-5773 V. KAREN HARBOLD Defendant(s) AMENDED COMPLAINT IN CIVIL ACTION Filed on behalf of: CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PF_PA_l I Cmplt Cvr Sht P&F File No. 08-12947 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) NOTICE TO DEFEND You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within TWENTY (20) DAYS after this Complaint and notice are served, by entering a written appearance personally or by an attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. NO. 08-5773 Usted ha sido demandado en corte. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar accion como se describe anteriormente, el caso pude proceder sin usted y un fallo por cualquier sums de dinero reclamada en la demanda o cualquier reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au otros derechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 PA-2 lNotice to Defend P&F File No. 08-12947 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) NO. 08-5773 AMENDED COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., by and through its attorney, GREGG MORRIS, ESQUIRE and the law offices of PATENAUDE & FELIX, A.P.C. and files the following Amended Complaint, and in support thereof aver as follows: Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A. , is a corporation and for the purpose of this litigation, maintaining a place of business c/o PATENAUDE AND FELIX, A.P.C., 213 East Main St Carnegie, Pennsylvania 15106. 2. Defendant is KAREN HARBOLD, an adult individual, believed to currently reside at 4529 ROLO CT MECHANICSBURG, PA 17055-5889. 3. Heretofore, the Defendant(s) opened a account with Plaintiff being Account No. 5178052077035141, for the purchase of good and services. A copy of the Application and Account Agreement in effect at the time the account was opened or charges were made is attached hereto an collectively referred to as Plainitff s Exhibit "A" and incorporated by reference. 4. The Defendant(s) has/have made or authorized a number of purchases and as of PA-05 Civil Cmplt Crdt Crd P&F File No. 08-12947 May 21, 2007, Defendant(s) owes $3,926.22 on said account plus interest at 28.10 %. 5. Plaintiff maintains accurate books of account recording all credits and debits for this account. 6. The Defendant(s) have/has received monthly billing statements from Plaintiff setting forth the nature and amount of all charges made by Defendant(s), and the transactions between Plaintiff and Defendant(s) give rise to an account stated, upon which Plaintiff has relied. A copy of billing statements dated May 19, 2006 to May 19, 2007 are attached hereto as Plaintiffs Exhibit "B" and incorporated herein by reference. 7. The Defendant(s) made payments, but have/has refused to pay, and now refuses to pay the balance due and owing on the aforesaid account in the sum of $3,926.22, plus interest and costs. A copy of Defendant's payment dated 10. 12.06 is attached hereto as Plaintiff s Exhibit "C" and incoporated herein by reference. 8. By failing to object or dispute the statements, Defendant(s) have/has assented to and agreed to the correctness of the balance due on the credit card account so as to constitute and account stated. 9. Despite repeated demands, Defendant(s) have/has failed to make the required installment payments when due and therefore the full amount of the account is now due and payable. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the amount of $3,926.22, plus interest as set forth herein from the date of breach, with continuing interest at the legal rate thereon from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. PA-05 Civil Cmplt Crdt Crd P&F File No. 08-12947 CountH Breach of Contract 10. The averments of paragraphs 1 through 9 are incorporated herein by reference as if the same were set forth herein at length. 11. On or about 10.28.01, Defendant completed a Credit Application. A copy of Application and the Account Agreement in effect at the time the account was opened or charges were made is attached hereto and collectively referred to as Plaintiff's Exhibit "A" and incorporated herein by reference. 12. Defendant is in default for failing to make payments as due. 13. The terms of the Contract provide that Defendant will pay Plaintiff's reasonable attorney's fees. 14. Plaintiff avers that counsel for Plaintiff is not a salaried employee of Plaintiff and that such attorney's fees will amount to $900.00. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the amount of $3,926.22 plus interest as attached hereto and set forth herein and attorney's fees in the amount of $900.00 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. elix, A.P.C. Date: October 28, 2008 L. Moos, Esquire garnegie, PA 15106 (412) 429-7675 PA-05 Civil Cmplt Crdt Crd P&F File No. 08-12947 VERIFICATION The undersigned, Gregg L. Morris, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed the verification at the request of Plaintiff as a matter of time and convenience. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the foregoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The statements are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: October 28, 2008 Gre L. M o?ris, Esquire Pat WM' Felix, A.P.C. 21 Street Carnegie, PA 15106 (412) 429-7675 PA-01 Atty Verification P&F File No. 08-12947 O? N W S A C9 rn A ti o ~Q ?n o-o co r y ?:o'?o'a m ? v h• A C' A p t4 ?i" p ?y ?. O ? Z CL tv p ' •* Oi n N ?- o N c 1 _. b I 1 m Q ?O W Ln Q 'w ¢, o b o . p w W W OD ? a o a ? N o ? cn sn ve o N Es N R 00 e a o ? c r. 67+ a a ? vs t " pa ui O ci m 1 f r 0 a Gv?i o CU ria G? 021113 CUSTOMI Welcome to Capital On&* We are pleased to have your credit card amount. This CcetomerAgreement contansintortrabnaboutyouramotmtPleaseneedkandkeepk for your reocrd& You mnbad with us for the card and amount ('it* Agreerneer) cornet Of We Cuabrtsr Agreement, together with any changes to this Customer Agreement that we make ae provided bates, the Saauty Amount (It applicable), the Semufy Account Assignment Agreement (If appkable), Capital One Prlvary Notice, any aomuad d edoares proMed and delivered b you prior to or at the time yaw account opened, includng disclosures pursuant to requlemeas of Truth in Lending Act (twele er ILA Account Dhckssaw*? as l as any auhsequeat notka r of itstges b these docrunen8, and any and all documents that Include your signature find x any electronic or dgNat sigehn) on any application, sates slip or other evidence of indebtedness on your account in this Agreement the words to account ? a Joint to use to refer b each peand rson wanyone ho signed the application (1Aahthortzed tle? eke wt as specifically for sbW heron, each of any youuZ k dviduay and 0111y obligated under this Agreement The wads 'Yna.' 'use and 'our mean Chpkd m, FSIL and is sumem es. asson, agents ardor autorixd represantabves If the application for the amount sated that the amount will be a This Agresmard ant Smeanothe ecurity Account tA As*ms reemarrt applicable) anot apply b any Mar CaplW Om, F.S.B. account chat you may have, Other now or In the Mae. except a prodded in the Aft don Provision below. Unless you have entered ft a Secuty AccaadA mentAgreanatwih us, the amoet'e unsecured. Except .# is ER AGREEMENT without prior notice to you, may to posdly Increase or decrease your credit knits at any time wkhat prior notice to yo may inn the credit limit for cash advances or may take away your ably to obtaiu n cash advances. We may honor transactions in excess of your creed limit man t rise barn edlors read in an over knit fee. and those transactions and fees will be Mod ID ffis Agreement and rity AccountAssignmentre wii reeuh ).Arty ? tvur?edein excxcess of your credit W not In an ncreese of your credit eat unless we expressly noly you d-13e. Additional BenafUs and Services. From time to time, we may offer you bmetils and services with Yam acnxrshb These berreflb and services may be prodded by ce or third pelves. lMiesa e%pressly made a part of this Agreement, and except as provided In the Arbitration Pmvsbn below, any such bereft and services are nol a part of the A KnOn , and are subjad Only to the erns and onhdtana MdM In the bereb or senvI. bnodr. and oter Wilda documents provided to you with respect: to the ber el s and services. We may adjust, add or d*b benefits ox services at any kne In accordance with be brochures, or docanents you rac" in the most cument versior o f the'Gu to Berw cruel replace and super you the leesAls and satAM that had beau offered to you In all previous versions of the 'Guide to Benefits,' wkhod hater notes. Except as provided by applicable ew, we are not liable fa benefits or services provided by ON parties or the artless or crnssion of dross third parties, as pnwrded n he 3earffy tAssbrnWO Agreernal (dF aPPkabb). ankh not esouned by a ohs pmpay, regadess of the burro d am otlher mrrleOf to which and wwt art loft ?g tl The caWe can any of our d Is Terre and propergr, and you will surrender it to us at arty One upon repset. Aesignmenl We may tanafer your account the Security Amount (N applimba) the Seatg, Amount Assignment Agmm-d fit applicable) and/or our this under this Agreement to an sedgeam The wee wH take ow place under this Agreement is Secrecy Amount Of applicable a)paraeradntthhueb Seatg Amount Assignment Agreement (if appike respect asaig- or may nn otwith be an aftl d Capifel one, F.S.S You boisher, The must pay is assignee ad ohdwse perform erg Of your 0gartom cider those agreements. You may not transfer yam aomted or your fights Under this Agreement the 5eaaiY Amount (If applicable) or he Sealy Amount Assignment Agreement (N )10 shy person or ably wthout our express prior written mrsant Sub to the preceding sentence. this Areemetwk? kale to the benefit of your and err respectiva suaassons Using Yore Account You an make p cheeses end obtain ash advances (f ash advances are an Option for your amounli by using you card, account armmber and any amoral access dads (Including Pwdhae Checks, Convenience Check, Special Transfer Checks and other sirdar dwb) that we may send to you. Add", you may rawest a stop worhaht m aaaut ensue decks but we rescue the right b flange you a be for such services. When we provide you with amount Suess dada, we call cal you whether bey will be tested as pumlueW cash advances or special lremfers Unless we tall you ohawse, Convenience Checks will aMrays be treated as ash ahenmes. We may a0ab1 m1 different segments for you account, ankh as a purchase segmad, a cab advance segment and a special transfers segment Each segment may be autqed to Wms and conditions that are different ten base hat are our Raft. ff any, for any wrenghd dishonor of an amount amass c sclk Is limited b you actual damages and staff not kride any co sect entel damages, and In no event will kexceed to amountof the dock. You agree not to use the card or account in mnn edim W h any Inemet or legal gambling transactions, but any htlemet or legal gartdng tmuactlcrs In which You augepe with the cad or acmut neverhaw will be subject to h10 Agreement and the S=*Ao utA" mhadAgmw-d(ffappimble)• Your cad and amount may only be used for valid and lawful purposes. If you use, or authorial) SM100M 4101 to use, the cad or sweet dor any unlawful or Impermissible Wrposs, you will be responsible for such use and may be required to reimburse us and MxderCard inlemabahal Incorporated 'Me Wae or Visa USA, Inc. 'VM: as appliabbe, or heir successors for ant anounts or expenses that we or they Pay as a result of with unlawful or Impermissible use. In any event, any unlawful or knpermissbis immactions in whin you engage wkh the ad a accocat nevertheless will be cab' to ths Agreement and the Secu iy Acowt Aalgment Agreement (If apps ryou agree tatwe are no responsible l anyone refuses to hmoryourcad oramount if you had a prior credit ad or ohs account with us, or such an account or balence of W an acoamtwas transferred to us or one W our dlabs, and you agreed to reinstate the balance of to prior amount in the form of your new account he new ac=mt will soaue trance douges from to date that the new accent Is opened Auhorizad uses are not fkendiak responsible for the amount An authorized user may use a credit cod. car reefuuest certain amount kmkmaton and an requastto be removed From to amount Subject to our discretion. an authorized Leer may not be able to iniissta cerfen adios on the amount You agree to provide us with i formate identifying any persons you aurlhodze buse eny ?acmunt tdudrg bed name. address, date of birth and other ldandlyqg Exdnarge Rae. If you make a bareadton In currency oter than U.S. dolas, VISA Intanwtoml or MaseerCad International will convert the cage or credit Into a U.S. dope amoral In amortWnce with heir opera" reguldons or mmrarsbn procedures in effect at he time to tanswim is processed. VISA benobomfs regulafwm and procedures provide tlet effedhe April 2, 2005, to ac tinge rate behown the used for proceaft International transactions; Is either (1) and rate the selected ?ad ? from he range acceptable min in wholesale currency market for the applicable central processing dale. which tae may very from the rate VISA bat receives or JA tae government matndeled rate in der tie applicable antral processig dabs. MasterCard Intamtmafs regulators and rate it uses is procedures elther or (2) a g emmmeat mandated rate In effect on the day of the ca wholesale market entral procsissing dale. Cash Equivalent Trsnsactom. If cash advances are an option for your account you ==AN amWmt to purchase arse items that we regard as 'cash equivalent ash egulva10nt transactions will be treated as ash advances and wit be bled to the cash advance sagme t of your account Cash aquhalat basaction include, without Imitation, the purchase of wire transfer money orders, hats„ Mary ddwt% askho gamlg chips and other similar products or services Nothing in this paragraph will be interpreted to vaklale any tsnactm that Is unlawful or Impermissible. Your Credit Limk Your WNS credit limit w11 be disclosed when your account Is opened (or acWSK. Eller initiety, or at any later time, we may establish different credit limits that nippy to different sagmans of your account (such as purchases, mash advances and .pedal transfers). Your current credit ins will be klandled In your periodic slaluneds. You agree not b allow the balance of your account Onduding aN transactions, finance charges and Other fees or changes), or the balance of the applicable segments of you r t W da applicable credit by adding t * to ou you aney Amount C given p pi aloption h ), w increase your e reserve to W not to increase your as* kid If the additional funds are provided while your amount is in default We may mrmaeese or decrease your credit limits at any time making Payments. You promise to pay us and are 111" for erg am o ns due resulting from the authorized use of you card or &=UK ncluding any hence dames; and other doges due Under he toms of this Agreement Paymars must be made in U.S. dolers. Payme ns made by a check. money order or other negotiable Instrument (an' emij must be in a form acceptable to us and be drawn on a U.S. financial Institution. We may alocale paymerrs and Ober credits and proceeds amaq the vatotes segment of you amwK ant to dames and principal due witnkn each segft n sty way a determine, ndWsq balances new transactions) vAh lower anrwal sge miss (APRs) before wlm higherAPRL Paymeets You mat to us at to address for payttent sated on your periodic statement cam be credited to you amount as of the business day we reesve It. provki id (1) you send the remittance coupon portion of your periodic stalamad and your check in the remittance envelope provided and A Your Payment Is received In our processing alder by the are ktdka ed an your periodic statnnent Plesse dow at nest the (5) business days for postal delivery. Payments mawhed by us at any ether location or In any Mar form may not be credld as of the day we recewe than. Our tnanesa days are Monday - Satuday, exdudkg totdaya. Credit availability may be delayed In our sole cleaetan to ensure peymeru In good fame. N we socept a at some otter place, we mey deny tfe credlhg of the paymad fortp b (5) days. This may ease you to nor the pai menliees and additional flan dames. and mey result in yyaoruwraooaaH being declared to be In defaAb. Any min krdrn payment bat is due ail be stated In your *0* ablarsnt You taus pay at Met the minimum payment due by the date sbbd In you periodic aledament to avoid a sic payment fee. However. you may pay more ben the minimum payment or pay the balance In fug. In any me, fnsna drames will codnue to be assessed dung biting periods that you tarty a balance regardless of whether or not your statement almaminimum pay duel 'payment in We can accept lab payments or Parts paymams full' or other similar language, or paymens with a request to apply the payment in a partiada manner, wlaut being any of our rights under ids Agreement Including our tit to soehre payment in, full. No payment sell opaee as an amoral and safl5ladicrm without our prior antten appovaL AN written corre uNcations concern. ubd amounts, nduding cleack or ohs payment instnanatt that ;= tat the pap ofd r an n fu6 W the amount owed or that is bnderod with other conddom or land elloro or as full sa6stadim of a dsputed amount must be mailed or delivered to Capm?il One, P.O. Box 85010, Richmond. VA 232855010. You will not make payments from funds oblened frorn the account or any other crest amount with us. ff your payment Is made to any other address, we may accept the payment without bang any of our When you send us dhedd[s) to make layman on your account you authorize us b make a ona4me electronic transfer from you bank amount for the amount of the check as indicated by numerical digits. This authorization applies b all deck(s) received by es during he bang perod no f sed by someone ese, who you agree Is your aged and was Provided with these disclosures In advance. This authorization is not restricted by the data on he dnadk and includes Mw ntisaM We w7 not be bound by any meskkbve legal or condition appearing on to face or reverse side of to dock. If we aim. process; the electronic transfer, you authorize us to make a cdehge against your bank amount by processing the deck, substitute deck draft orsknianknuunent. We may ad]at your amount as appropriate to mined errors, returned ibms, m*W debtls and similar mates. We may, in our sole discretion, offer an apedled payment service. You are not required to use Ws service. When you auhortze us to pre0Ba a demand dust elabrmk ACH debit or otherehpedked payment method foryow namowt we may payment fee In an waint disclosed to you at the Orne of charge the servviceeWe are ? r iksbie for any dishonor theof a payment by your depos" M*ft and may raft he fee in the evert of such dshonor. if you give your amoud umber or other smont intWmatim to another person to make a payment for you or to ad on your behalf, you agree tat we they discuss yrou ammo with Unit paaok and process he aavnmerd as if it were made by you. You future agree that you will be responsiblledpfo¢r d co sequences of payment or 0 refuse Pe ntad Dyby such er ink party We tfo ripM tD ayme"tralumpaymentilds io accept papers on yourba -IRto o pan* anotarperson to adonyour buhhaf. Periodic Staten" Each nano that you have a credit or dd* belaoue of mare than $1 in your account, we will sand you a periodic stabment as and when required by applicable law. The periodic smenent will saw all beenections bled to your amount during the blkg The lnNkg pond Is the On from one seternernt dosing dab though including the next statement dosing data. The statement dcang date determines the month of a specific bung period. For example, your January billing period is the blkg period with #a statement dosing date In January. Finance Charge. You will be assessed tnarnce charges as previously disclosed to you as pat of the TIIA Account Umbsures or as we will disclose to you d required by applicable law. Temporary Reducton Err Finance Charge. We reserve the right to not assess any or all finance dames for any given billing period without waiving the right to assess such inane cages In a future bang period. Other Fees and Charges. The fa0owing fees will be bled b the Purchase segment of your account and will be tested as a purchase and applied your avallable crack limit unless otherwise specified, n bNkg n which they apply. (Q A lab payment fee will be assessed If we do not recede your Z=: st arty tae dung hie 6dlny cy(regerdMaa dwdetercle, for erry reasm, syou went seer greater than the porary or rmarhentcredt rout brit as a result ofa ban Anance dnage or any other be or deep. am f approved byesy, a maned dhedu foe wig be assessed N we do not how any amount amass clack any reesoa (Iv) copying derges for dupitcas copies of transaction documentegon or periodic statement; will be assessed on a per-pegs basis, unless required for billing dlsptde resolution: (v) a returned payment tee will be assessed If, for any reason, (a a disci draft or *nVar hstmmeM is not honored or comet be prormsad: or (b) an cliedirork dent is returned unpaid or cannot be processed. You au0toda us to resubmIt returned payments in our demstrm. At our opton, we may assess this tee each lone your pnyeent Is not honored or paid, even N it Is later honored a paid foAavFrp reshan. dedt draft or aMar iretrumerd may be mgecbd N chafor rges, or f dhmp? We as rovidbelo tit of reserve the right b waive any of these fees wifcul prbr rnoigca6ai b you while maNtaining our right In aeaese Use fees going forward. Cash Advance Fae. N cash advances are parmilled for your amount, a cash advance obtain a cash advance or cub be firseroe charge will equlnled bar tlort, (p??besQded assessed each low ash advance selmo a of your amount, and (1) appied your avatabb credit gal. The amount of the cast advance The lbiance charge wit be added to other frrence derges shown on your periodic statement for the purpose of calcrAft ft annual peeconliage mie for that bWM period. This cause the annual We disclosed for that W g period to be greaiar than the annual percenlogerafe bye, Nembaaidp Fee N applicable, a membeeft fee will be Imposed In your first lift ps?d unless gwft gy stated ollo v am If the membership fee is aeseased an*. your g will be assessed In to billing period in which each anniversary of fe Of so mnt scare. N the membership fee is asseaaed smoullik, it WE be =kl earn applied W" pabdpmTahdehfinese? be billed In ft mod of your smourd and YA be bOV homes eYagaMe? lint The merdwsipfee will not be rebnded, in whole or In pat, am Nye or we cancel me amount Transilor Fee. A be will be named for each be refer of funds from your amount to you Security Accent that you request. The fee will be bored b the cash advance segment of ?daccount and will be tooted as a cash advance and applied against your available Forargm Transaabn Charge. For each transaction made in a country other than the U.S., or U.S. Territories. we will assess you a finance charge as pmvbusly disclosed to you If required by aapp?blee law. Tthe he ? will Account Disclosures or as will d be U.S. based on 1he dollar arounbtd fMe i n. Credit Bureau bformaton. You agree that we may obtain itomtadm about you from mead reporting agencies or others at any time and use it for the purposes of monhbft your crsdit penbrmarnm, managing your arrant and considering you for new oNss and programs. Interest Tire == ditlas conlatrted wihn this MI or*d that to account will be a =80COWL You tie wpm cesium Ganda, which have been depoetad in the Semrly Amount. To secure paynnetd of to balance of the account and all other ammmis owing under the tens of tie and the =g=. Asa. -xd Agreement you have Irarefermd, e?pledged ana semdgr Interest in the Semrfv Amount erg ftfids mnbbed In fie Sect* Acoowd, d proceeds of the bregolg and ?I proceeds of proceeds. The sea try interest Inductee hritcut gnilafon, to loglel funds tat were placed into be Seadir Arrant any edddonal funds added b the Serxeity Amount by any person and any tit rest earned in or accrued on to Semrdly Account The tams of the security Monist are set torte in the Security Account AsslIm ent default or fail to abide by any of the terms of ft Agreement you theS ?oreaatyAccoa you tAssVeoMAgmemert youd yoaamaator without notice to you, s?urdse our securty Interest b y deduci g from your Seariity AAmm tiro balance due on yaw account and at otter acorns armor to terms Of tit TM-en to Mob wrAderiBductoaisBefxe?lrxn Account period ically s a we detenhinB ID appnoprtefe. Wghb a6dy dsys inter the dab your amount Is dosed, we will send all remaining firms in the Beatty Amon tb the person legally enlYled to receive them Future Offers. The tans of any future offer relating to the account will be disclosed to you at the One the offer Is made. N you accept an rifler, the tams will become etectve umtedately unless olrewlse specified in the offer. Default We may, in our sus discretion, declare a deferit under tit Agreement it do not receive the full amount of Van payment on or babe the date it (b) you sacred any cmdt find or (roe an gem used to make payment on your as not honored or cannot be pmoessed. or an electronic debit b make payment c account Is retuned mnaald or cannot be processed. To the eat rd pemftd by apr raw, we may ass, in oursom csastm, rierse a can= seer ms ASgnesnarfn w. trl 7ou violate arty d to other tams of this Agueantent or SBaeIN Account Assign ed Amheehhherd Cf amoarahle). f2) we hove declared you to be In default under the tams of airy other aprotsroent with ins or any of our of illofes, or (3) we detamhe that you made any false or meleadlg stabmens on application for, or regarding the use of, the amount or oferwse aftempled? to debud us, (4) byarrduuupt y or odor Insolvency Instituted or nst you or 5) dle or am cleclamed Proceedings Inmmpstentorr fns fed At gory Wragaiie rkkw1no any default under this uaernat? (w of erwe give you any notice or right too= the default N required by appg?le laws, you wo be srbjec In paying tihbnest, finance doages and other fees pureoent b to tarns of this Agreesnerht Including any applicable d"It mta even after any judgment is obtained. Addle any, we may, at our acs optom (x) limit or not allow you In male any new purdreses or cash transactions on you aamu s) ) increase your miimum payment with such notice as may be requied app s law or su*d to the limitations of applicable tow, dose you amou e(s) and demand inmedlate payment of the entire ousdamlg bob= plus all other amouds owing under the tams of this Agrewie Land the SecutyAomtatAssignnentAgmemant. To the ec0erht permitted by appgrsble law. You agree b pay us erg d our actual anurt costs, txnkctlm agencies and altaneys tees (wheUna paid to an atbmey who Is one of cur employees or an atomey whoa not one of our employees) Inamed by us In the mllaCtan d any amount you owe us under fits Agreement You ass agree b pay us all of our adunl male that we incur In recd your cards including any costs we may bier by having yaw account placed an a fist Nothing in ths paragraph shad 6e construed to waive or impede our right to tequke arb!Who ton in amordanee with the Arbitration Provision below. Amount Closure and Suspension of Credit Privileges. (1) We may, at any time, with or without cause, wish or without advance notice, and regardless of the existence or nolaB drdence of a debut under cis Agreement. cancel the amount and/or temporally or penranenty suspend your credit P Y under this Agreement N we cats the amount you woe to Immediately destiny all cads and unused account access cheat. p2) Your ablaadm to make p?haos and your other obligations under the Agreement veil continue in full force and effect alter to amount is cancelled or your meld privileges are temporarily or penpnanty suspended Conrideton of the account endlor temporary or permanent sspecsim dyour credf will not affect our sha m interest in your Sea Account (Ifappilcebb)or ourrundertheSecurity AachmtAssignment Agreement (If applicable). You can does your acoci rt by calling our C stDiw Relations departnhent with the number bind on tle bads d your aedit card or, it ddlerent lo your perlodb abtanant and requesttnp an account doeure. the number :% You agues oy dg cards and uaeed emourd access dhedt, cone, erg preauilnodad bgbg artargemenls and cesse using your card and account. If you do not cerwel erg proeuittafad billing sasngemanta, you and we will consider our receipt of a preautltotbed debit to your amount to OMMM your evbodzellon in reopen the account on the terms set forth in this Agreement and the Seam Amount Aesign ent Agmernem (t spp6nbbe Your amount will not be dosed uuhN you pay all amnunls you we ns under ids and to Security Account "ro"ot Agraernent (N applcebb) wMhmd writaton, any Cmhase and tmh advance transactions you have finance Charges, Idle payment fore, over gag pave, returned check fees. Maned payment face, membership feed, cash advance tees, transfer lama charges and any otter fees charged b your nrnt Your are =for these amounts whether they have been Faxared at the time you request a closure of the amount or goy sm Incurred subsequent to your request b does the amount This may moult in charges apposing on your amount alter you have requested to account to be drama and. If the account has shady been closed. the amount wig be reopered an the terms acatppb t in this Agreement and die Semally Amount nment pirchass from merchew amid wte?reosre t e dfaFor ownpk ge (Mm Ito tan you ails yyoaauYr aamunt has teem dosed, your emcunt wB be reopened, the amount of the dregs wnl be added to your aomurt and you will be responsible for paymet under to temw of this Vvennent and the Security Account A"nossit reement The ma 'e• fee for your amount will cnre b bbee charged b ri nt rmitted escrb by oapplicable, low, omit die enfire acmunll bal wn. N the amount Is mopened, a new rn caem?beshlp fee wig by cs d a be charged In to amoutas stated above. If you, aft as the primary cardholder. want to termini e a joh accountholders or an autrodaad users access to the amount you must call our Customer Raisgore department and request fist termination. Immediately l greeter, you I ay is b destroy fret person's cant(s) and desroy canryy mused amount amess dhedus In that paces'. pons lon. Thom may be a W la the eteSve dada of Use IN11*11110n Of #0 PMM' BOOM In the swouaL The amount will be tyc pa?rhgpe?d,and you and any pit aacmundmiders;w® etmgnu is for anychamges user inert oto uss of ccur prior to the oft * date of the?txn?dreton am If a choges od not appear on the account urd a late time. N you am unable to destroy to joint moamtlelbrs or ad hawed users cad(s) or to destroy to unused amount amass chador in fit perm's possession, and you call our Customer ReWdons wUh depertneirt go preaedtgg to padon ragraph. Eldw you your ahdfor ft Jam cardholder, If any,ma raptly fora new amount Change In Terms. We may add in, remove, amend or change any pat or provision of ti's Agreement including the annual pence rat=1 d any (lndudag adding new provisions of to same or a dtlleiaht as tlhe e?provisions in this Agreensrt) at any lime. N we do so, we will give you notice of such amendment or drnge If mood by Federal tow or Vkgbs law (to the extent not preempted by Federal law) unless we had gevlousy notlged the custmrert al the amoutwould be mod b such amerdmient or charge wit out nofoe. Nodee wA be merged to to bas adfeasa irdicatad h our moorde ter the amount However, no nodce wB be mdecl Uwe previously had hogged you trot you ammat would be atdnject to such amahclment or charge without notice. Charges to the annual percentage cob(s) sea aappply to you exisbtg amount balance from fa effective dab of the dha iA wAhetnor or not to amount balance includes bawsacdos billed to to amount bebre the dhage dab and whether or and you mrhinue to use the account Changes to fees and other do" will apply to your account from the effecM date dtte charge. Goiro g Lew. WE MAKE THE DECISION TO GRANT CREDIT, OPEN AN ACCOUNT AND ISSUE YOU A CREDIT CARD FROM OUR OFFICES IN VIRGIN& This Agreement is to be construed in accordance with and governed by the Iaws of the United Slobs of Americs and by the Internal laws of the Commonwealth of Vfrplnk wit haut gliving stied to any deice of havrelettatwouldcameos ppiatonof1he lows of&Wjursdc&mother than the lows of the United Stories of Amerks or the IrMrhW Lass of the Commonwoft of to the rights and dudes of the partIaL The sed Is madal in Law (b the natant not kphsemphd I*L>w If a court dreidss n b enforce a pat of this Agmahhnt VF Agmemer t wpb ten read as N the un In ,e I Is or brvafd pat were not there, but the remainlp puts will remain In Waivers. You waive the right to receive notice of any waiter or delay or presentm hoe us pro?dd against protestnother party m pr s oce ? mxgg? against you. Inoraquits also waive, to to aided permitted by applicable haw, any stelae of bsbtas defense bran additional period of tae equal to the applicable gmr'bgons period Lost or Stolen Cards or Accotmt Access Chess. If your card(s) or account access deft am lost or stolen or N samsone also may be using them without your Permission, n* us at ones by calling the telephone number on the back of telephone number show on ptodc statemen%dor by bus at Capitol One, P.O. Smu $50ISfront of Ric Richmond, VA 232855015. You wig not be tile, in any amtomt for unau0notad use of your cards oramount accesscheat. You agree to tall us at once If you large your name, address, teleplcns number or anfibriot. You agree to give us wrtftah notice of any a in your b*g address at West 10 days b*m the c hage. Changes may bar in the apace provided on the mintionw coupon portion of your periodic afateneM or may be sat to the following address: Capital One, P.O. Box 85015, Rklhmam, VA 23285- 5018. N your amount Is a joint amount or t mom than one peram Is permitted to use it you agree that at notices regarding the account may be sent solely to to address shown on our tiding record& Communications. We may release irda matim to others regarding the stabs or history oy NoSM which has bean provided b you. We may make iWirlesof third p? In connection with mentaNrg and mgectng your amount and you authorize rich third parties to release tulanmnation about you to us. We or our represenbtves may tinted) firm *0 b time regarding the w=K of to ask for additional kdoma6onuabout you or your expeiance with Capfaf One. You agree that such coateeta are not unsolicited, are not tinted except as apes* requited by tole law and may result firm contact lubmadom you have provided or that is applicable from other spruces. For aremple, we may contact yon at tam or piece of employment dung weekends or holidays, on your a telephone, voloernad or answering rrechbe, and bbyy snag, fax recorded meows. text message or personal vet Except as restricted by applicable law, we may mentor or record any tale we make or receive, suppress caller iderhtilra6on services and use an aulcmated degng and announcing device ARBITRAT)ON. PLEASE SEE ENCLOSED "ARBITRATION PROVISION.' PLEASE NOTE THAT THE TERMS INCLUDED IN THE ARBITRATION PROVISION ARE PART OF YOUR CUSTOMER AGREEMENT. CAPIW C ' Rfchmond, VA Memo 11438 68.677/510 596871 U W $ W D0110rs Z Q oc CL Cardholder Signature 115111431311, 1:0 5 1006 7 481:865 2044035 14111' CapitalOW Account Previous Balance $3,372.61 Payments, Credits and Adjustments $300.00 Transactions $4.00 Finance charges $55.89 New Balance $3,13250 Minimum Amount Due $93.00 Payment Due Date June 19, 2006 Total Credit Line $3,500 Total Available Credit $367.50 Credit Line for Cash $3,500 Available Credit for Cash $367.50 At your service To all Cmtomer Relatima or to report a kdt or stolm and 1-800-955-7070 Smdpa71oanm SmdinOunesw. Attn: Remithna Pmceniltg Capital One, RSB. Caphd One P.O. Box 790217 P.O. Bas 30285 St Inuit' MO 63179-0217 SLC, UT 84130-0285 PLATINUM MASTERCARD ACCOUNT $178-0520-7703-5141 APR 20 - MAY 19,20% Page 1 of 2 Payments, Credits and Adjustments 1 03 MAY PAYMENT RECEIVED- THANK YOU $300.00- T1a11sactions 2 19 MAY CAPITAL ONE MONTHLY MEMBER FEE $4.00 Finanee Charges Pkamswreverletldefirimporrant oaJBrmw = a) N PURCHASES $1,760.32 CASH 11,469.98 .05767%D 21.0.9% .05767%D 21.09% $30.46 $25.43 ANNUAL PERCENTAGE RATE applied this period 21.05% PLEASE RETURN PORTION BELOW WITH PAYMENT Caphwow. 0000000 7 5178052077035141 19 3132500300000093009 Pk-printwif+nralir>m?Ywa- audeb-1.k1-w WKweorH ki k New Balaace $3132.50 Minimum Amount Due $9100 street Apt 4 Payment Due Date June 19, 2006 csq Suw ZIP Total enclosed $ Home Ph- AkamtePh- AccountNumber. 5178-0520-7703-5141 Ems Addna #9014042891197326# MAIL ID NUMBER I Capital One, F.S.B. KAREN HARBOLD P.O. Box 790217 IIIum1111nIIIIIIII 4529 ROLO CT St. Louis, MO 63179-0217 r MECHANICSBURG PA 17055-5889 11111II1111II11111I111111IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII IIf IIIIIIIIIIIIIIIIIIIIIIIIIIIII -Ill 1111 1 11 1 1111 I III 1111/1/111 Pk" write yvar a wwa number on yoar dw k or money order made payable to 01pitalOne, F. S.B. and mail in tGe m7wed envelope. KAREN HARBOLD 4529 ROLO Cr Don MECHANICSBURG PA 17055-594 . in- p? t?S att,? NIPPON! oR? gas t? momm 11111111111119 8d O O M m z a m O M y 9 a m x M a, x Cc M < nCc m M a 2 ; D 9 2 a not r n O r z = 0 1 to M r s z = a y m rf r n * m n Purchase Checks: (1) Will be treated as purchases according to the terns and amendments of your Customer Agreement. (2) May rat quality for reward programs. (3) Are subject to your cedk avallabOty on the day Capital One processes your cheek. Please be sure the total of your checks, transactions and fees does not exceed your available credit line, (4) May rat be processed or may be processed at a higher default rate t your account is not current (s. restricted, past due or in cdkictions) at the time a check is processed. (5) Will be returned unpaid and you may be assessed a Returned Chad( Fee if the crekditis unavailable or your account is not current as stated. (6) Carrot be used to pay down or pay off any Capita! One account. m Cannot be used by aullwrized users. And authorized users cannot request transfers. (8) Quality as using your account. All other terms and conditions for your account remain in full force and effect. b. A".104 Fharea .Ld4ect to a can M daft of t Bret c , is r day ybaRtttnre dd not Ps h Two mew that Ya Vow w spay the taomenc by ro M rest araanem closing date, bur did Jdra* Phis the margin M [ dD et far M ate &bd b M to. Irairaeu Co=ns =WC total ill - - patiod oorat from the s t d. dMm !=11`11= N b?i a mHnxm grace Period ci tats. To obtain to average dally, baLance for M oewmd by this sumnent we uke the eaoua rt rt r. V? =dW-zed a P team s msrdrK and wa f r vi prnoe dirge m puschass, new row d new ohms tww yadN PMT and. of each sepnerd each day, add yang new t hWrhoam each aegetent and a heact anY? am ter your midra do transaction host the Merchant a aemrd has been Nord, your aeoun will be reopened, Wrr ar?atrit s VA be added to t of the cho r d if yaw owl 'Now BWnr , In the krrpoatem Nodes for "Wro a ?', Yia a oils. Ih M Code N m m M !Core statement next u'BNance Part ,a?ppBe? To,' vat also b l I h k . p o amo n and Vyooceu tent be reaponrpae for psymnt. M ism b a to use will aralme tee for Vow account mahWedi to be credal by your next at ad m Is no pace period an ash advaor a ance n t e ttkxW wh1ract arty upaid • wroe, charge of each sepnem.) This tines os M dally balance of each del balances for each d dd t , p to be dhmed, m de panYtted by low, uW M om Wlatoe hr been paid h kg as dNksd abowa, ae o fens. In addition, item b no, grata period n if you do not pey M totN 'Now i . sepnm. Ttroh. we a purpload the u eri d T des fa c k mid & Comm 7t Drys. Transaction which are not a a dupe 11 Period ere -d tkhnce tr ss his day s of in to bMkq p o number aver,?;::.aeambalarnoe of each sepnenr. Araed aN PAN@ f/VRI. 3. ear as a a ' fl t ' U 8. larl.s /Wet Fdmtasri Clhsak 0errrenkoh. When you provide • dock as paymait, you .shod:. r either to M transaction or 2) ban M data M cessed to vow Mmun or 3) fmn the ll y pp s m a ArteaN Percentage a. The tam APR' an the frail of this atataman. C (certificate of L (3-mo LIBOR) If the code P pdmel b u ee Infeamlcn tram vow dock to tusks • an&*- ebenoce bind tra afar Into your bank aCoan or to y, of the c rrem bl_ cocci. Addidorts Y to 'New Balance roan M Drevlas . . , . Deposit), or S (Bairead Pihne) appears on the front of this sutenhm nod to the periodic Me(*), the rodedc Pm+ceaa do paYmwt r a chhck tra sectlm. When we rr h natlan fmn yew c heck to meb an electronic ot, finance dsrp b C00101-0 to actor m os uhN V. upad balance is paid In his ea Cosyy.tip ours thane capes, awn if rate snit AhaalAL PEACBifAO RATES may wry qus?mhY koreese or decrease based fed trrrM, rian I may be wihMenn from Vote bank acCoUd as soon as the ware day we was Ww our deck beak flan aiw it y e New BaW.e Indicated all the from of Co M stated kdom, as lard In The Wag Sliver rfaiord you preasly m Y be etlecd do do hm[ ay of yar d y rot rec pe)wrwt, ad you w Yar ltsntlal brtldttlah. marsh, Unpaid Prawlars te tAawt t f b hagm w These Parlotl cvverad by ywur p a,kAe statement smog WILLING RrtY1TS suNNARr .spen o Vo app1oab Orye. Far sods tlYkq period dht S In M months Jaaary, Apk, . Aj aW October. O l3?rro. . 1I B011ror F (t - m o If M code D (Pdms) c On Case Of Ems Or Ouesdons Abaco Yar BM 1. wrap, or If you need mote your hot tlinit Ii your mm w?Lsct m e Ikwoa dhtpo, • nW M t fo n p a r d b s l W50 .0 of dl O E M , . er p p w Repriced LIBOR sdedic n the front osdeofde y- ratan wW M m to the yl on 0 osh as as bill wifte to us an a DOrale at to addmr I. shest as n r p o ? o Y r ? tl on kq t V o w rs a ? op s slet Mrs DO.BO, we wY aLvect thm 40.50 mWiman ad the dlNeraoe will be p even t na s ant oaraartdna AWJAL PBL MAOE BATES m y y Increase or dserore bard an the way madiY a ma l kgrides ahowtt m to tram of the sutanan. We mkst Mar team you ne later =f MIS agar we can you the n hi m wlnWn M mNem apmared. You tan A as of your award. In Rharm a. We rssave M stated kdcm, as red In TM Wag sbeat JarASL p w ta the main p wAstahy dins" to yw. Thar aMrhpea p+o pro ri balar cok hires dh i ra call err Owtome Reladar amber, but ding so w(1 not In lever ire M o. logowire awn. 2. Avrps Davy aarw a. Rnena ceg4 is .nod, w. Vote amt days balance for dmm sDWr we p.ym m a eosin posed se of that m dw sapnam. Thia dwo w M ear ern seprem of your sham. lbw Balms shown m tmur P If yon row balance was zero a s traaacfene WMdI par m Mats ptrchar sepneras m not added m bloom mpdw ant dvidrq Irv wpm for any gh- ? an le Ha Ny of Your brPrhp 4etlod dr Y rp es rWw r Inman" you none and stoma member, the dapar ,aiharl. 4. Aawnsm of Less, Owradt ad Rerhd Paymae Far. n will be assessed no more than two at M fete Y aeaes of the suspected ems, a dmedpdat of M amt and an erplerhdon, if pos", of why you believe there Is rkng M ddlY n (e.¢, ern W d ) ar seoou mead have that occur srkq any bWQ period. Order the ve the dire to es aMerrer agreement we marr term of an amt or if you road atom Intimation, a description of the here ym are uere abWL Yu o d o not lea- to pay any rsa pr d apae , y r %:n walw tr h u d n p?y do d m posy dvotepru of your s1(dkataro Cot aeri .sdh dako f f e acme aa m t r o v lvYgow t e I e quwriorn w° cerwnot Invsstldek° h or eec each B a Yew Aeeout r a rnowberan4 fee c repent you ssyou deWquarrt or take arty a than to called tM Period, we add up appear an do hat of this statmem, you haw 30 arnom you osesdan. D ardor at Yom nt. We add up the days train to date this autanad was qufled to you to awW paying the fee or to how such fee cmdted to you i,t Special Fkie For Credit Card Neonatal; M rota( pWrladc if you caned yam seems. Didrq this period, you may t M uy halslnCe cond" to use yaua scooted withart havIng to pay to If You have a prabian with the quality of pmperfy re take the Uepkrtnp membership in. To rend your ocean, you must err Custanxf Relations Department lk tif b aer.AoWS tlef you wM a emit card and you d h Wiu to Comacd M prdian with the t i F new va .sod" sad an M p-01" an aWmaef shy y ea q no y to ==4 ew Bala ce In its (excitt6q M friar to Mend n M trmy-deY pew. hve r a vouchers, you may how the dye not to pay the rerrnakirnp ..W due on the popery a serNCos. Ym how the Wl?nrtl day dot am N Ym c ose Ym Aasan. You can mitres to dose S. R kni - city when the ptadwW glee wm mfr drmn ? anne dally if you geld M e t yyoauar aeooua by cdom our daa-as oepmmnent. Vm must desuoY year credit card(s) and Ntlhiln 100 mdse Of yew rnafMnp adA?esa. 0f Ws own or aubarhat h h/ (w account etas decks, cancel at pnwAhodzed Milt q, gwme to reentrant, or if we muted you the dt arrrou.a), new uWq yea secant. If you do not caned we w(B sadder em ams artar d wis = the pWeMees, M WmlheWm ? ==:T-.L: covered thase.) se a q..lal M dopy bateme. We l , g p . Dr receipt of a charge your sutlerizadan loreopen yar nol be daed Year aeo nt will AddganapY d ace Fheass reminber m sign all cortrponderm y addiro ape M dal by M rsernher a scoote . , wd you pay ape marts you owe w kdu&w any d fine du a tl d ea ew i crs purdr t pons act apply to consluner =o cradfz cad acemos rte no a atr the day in the mmo, bare cycle. To tskcne your mtai transactions you haw z (901, Pa fiance dougz_=."My your alot M due feel, owrkrdt fee , remmed P.Nmad fees, ash i Doss ner appty to business notrrsedlf card accents dagy palode dw mmbsr of days In M lilpmp aMma fee ad aW odhr me aeeased to year slight dod• pit m mxn6q an a dYly ions, Mm may be a atoms. You am mpaeWb for tee mcung vRether w the of One amine knmrmadm privacy protection; sea ow between this ant M IN rAase alaastlon end arrows day appear an yar ac le its time you rep ash to at a www. "pIt? core. dwpe doe M aCoam a to they a sea Incurred mtWe gtr l,aphlN One le a fedaetiyerggletered serrmemark of Cap(tN how b. If M ace Z r N appears em fie has of INstate nem vote reWeespteto doe M access. This my re" In pp RrwMN Caporadan. AA7a1 d(hts reerved. s 2003 rind m'Bairnce Rate Applied To, wa = data rech. *.Vg t aaeted thesaCoOt^r bs closed or the you resoecro of cwhat 0- OiLOLBAK ,oaot aver qe Iepaiat Noble: Payments you mil to ace vtp a credited to Yew acooun ere ot the Dtraksaa dry rya reoelw lac, ProMdad {t) yea sad M Drerrn patlan of di aafarwu ant Yaw dnack h M anclrad ranittarnce envdepe ad (2) Yew paNmam Is received h aw prasiq amt DY 3 p.m. ET (12 moan Pre. Rose slow at leas iw (5) trtwkesa days ear Paaul Paymwds rscNvad UY r n anY atlr smnan in mYrkhpr m W MY 6DWlhsane ?iemdatu M dayy rho rxNw Mm. r7ur Duairem dM ate MordaY *trardh Saturdayy, aadutirq Y+• Ram da het terse stwphse caps type peps Voce wwrc Voce deekW, you sutledze sew m mob a ae•tlme elsctrocc treater debit trm Year balk aoCoWrt for M rnewd of M dreNk. ?TDN aWodzedan apprtm to d Neale rooeived dukq ve liiq cycle awn d .arc by aaneone elec. n we catch Proceso M vamfar, you aWnalze u m teaks a dhrpe spinet your balk aCoOhee uskq M ceck . peper drsri a otMr rim. § 201789 r 11435 68-677/510 201789 ?e. 08057 Q W U W h Dollars = CAP"Cw Richmond, VA Memo v oc CL Cardholder Signature nN11435na 1:O5L0067781:13652077035L4Lii¦ Easy. Convenient. No Transaction Fee. Pap2of 2 You deserve hassle-free financial tools. So to make it as easy as possible for you to access your account, we're pleased to offer you these no-transaction-fee Purchase Checks." You can use them wherever personal checks are accepted to: Prepare get cash Control consolidate bills Get going tackle home projects Even better, these checks have the same rate you enjoy for purchases made with your card. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. " Please see the Important Disclosures on the back for the terms and conditions for using these checks. ..for your home Don't wait! Your Capital One• Purchase Checks expire June 30, 2006. Use them today. 11SW I what's in your wallet?' 11436 68.677/510 o? V W Z U $ W Q Z Dollars One' Richmond, VA A m m N Memo a Cardholder Signature Owbado w Richmond, VA Memo III L L4360 1:O5 LOO67781M65 20 770 35141110 11437 68-677/510 o? lYJ W Z V S?? Q Z Dollars 4 Cardholder Signature naLL437110 1:05LO067781:a652077O35LL Ln• KAREN HARBOLD 4529 ROLO CT Date MECHANICSBURG PA 17055-5889 KAREN HARBOLO 4529 ROLO CT Date MECHANICSBURG PA i7o55-589 KAREN HARBOLD 4529 ROLO CT Date MECHANICSBURG PA i7o55-5889 M9 m= m0 Mf Oi T to M? i zi D s Z O r ? tZrl z 1 m 50 Z i S N m? * T Og N ? m iit m ? N IMPORTANT DISCLOSURES Purchase Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (z) May not qualify for reward programs. (3) Are sub(ect to your credit availability on the day Capital One processes your check. Please be sure the total of your check transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannotbe used to paydown orpayoff anyCapitalOne account (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. All other terms and conditions for your account remain in full force and effect. O 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. s8 rn = Ol O rn r?r ¢ m au T j Z 9 0°s ra zc z co Z i X EEnn 0 m r' * m O ao m= rn a mf vy Om aw Z a y 9 C) 9 r ? z ya i m - ? m c G Qi= W FA M r *m First 3 months half-price ?Ole 97 4 ?.aSrmo. amereartar WFREE AiCCeleratoe MM yw l111s &V Mar 12 Menial SIGN UP TODAY! ' 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal owl Account S Previous Balance $3,132.50 Payments, Credits and Adjustments $250.00 Transactions $1.00 Finance Charges $56.00 New Balance $2,942.50 Minimum Amount Due $89.00 Payment Due Due July 19, 2006 Total Credit Line $3,500 Total Available Credit $557.50 Credit Line for Cash $3,500 Available Credit for Cash $557.50 At youraervlce To an Customer Rdstiom or to report a loe or Adm cud: 1-800-955-7070 Send Payments to: Sad iwpu onto: Attn: Remitwwe Proowing Capital One, F.S.B. Capital One P.O. Boa 79=7 P.O. 11- 30285 St Louis, MO 61179-0217 SLC, UT 84130-0285 lmmortant Account Information Take control and start oying your bill online for free. Eliminate the hassle of writing claLr)w, finding stamps, and sealing envelopes. Everything you need to access, review, and pay ycw bill is available online. Our webske offers you a convenient, ample, and secure way to mange your amouaL Visit www.apitdone.com and register your account to slat simplifying your life today! peoplepa- online A better way to Irltemet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection 18 Pop-Up BlockerTM '(?j Spam controls 41p * Smart Dialer ® cW More Email Addresses ® * Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 MAY 20 - JUN I% 2006 Page 1 of 2 Payments, Credits and Adjustments 1 12 JUN PAYMENT RECEIVED - THANK YOU $250.00- Transactions 2 19 JUN CAPITAL ONE MONTHLY MEMBER FEE $4.00 Finance Charges Pkareiareverse fideforimpostartinfaxa m C-S&I WE 1.0 a CASH $11,481.39 .OS936%D 2130%% W.80 ANNUAL PERCENTAGE RATE applied this period 21.30% V PLEASE RETURN PORTION BELOW WITH PAYMENT :aPM01110w, 0000000 7 5178052077035141 19 2942500250000088008 New Balance $2.942.50 Minimum Amount Due $88.00 Payment Due Date July 19, 2006 Total enclosed $ Account Number: 51780520-7703-5141 Star Apt I city Sun ZIP Home Phone Aloansa Phone #9017142891197321# MAIL ID NUMBER I Capital One, F.S.B. KAREN HARBOLD P.O. Box 790217 IllmnIIlllnIIII„1 i 4529 ROLO CT ^ MECHANICSBURG PA 17055-5889 St. Louis, MO 63179-0217 m !! Pkau writeyora amount samba on yarv died or nwnq order made payable to Capital One, F.S.B. and mail in the a hued as w1opa P4aafriar--rmraZdr.-&orra dd;wxre.hlaa,-pWiwwunk .& r peoplepra online u A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplopc.com/go/opal 11? aa? I? 8 o I 0 N? fod. You wR Nave-A mkYmun grace period of ? ? - •? chafers, row special p[s ht and I You Y Ws. tool 'NeNotice w B for for , h ro wMh do eponard by yo paymrks nht r for IF m be acted by War nett sdwM em am. Them . In In pats Pulled m main arres d trrh If adlno tines Is no m gra peFlod rhwcllen If you alt not t pay the taW 'Now Filson ClrI . Transactions vdddt are not h a gram period are aaaawed finance charge 1) Asa of the transaction, or 2) from the date Fite n to amassed to you Aaamt OF 3) flan, me._ b. your arawmrk by me nhak sac rot do so for dm praNoua m OrOd tiro salted m tlr tip t c. aiirsas FYhrhae .Far a do Your aaoaad F14AlICEleClMAOsrb?ectEof m ax0.1 roW my ffrhaFhp durseltnw fn som than i0 psrkrdle mate(s) fa ft. e minhau billed to the nd a rpnart Fares td. Teapry R@*MGM In talk to nottdamen My a N fk 2. Avar?MV Dsay erdens IbWdba I a. Finance dupe is cdWated y bairam of each I I of ya adwrrmp,p Fpnueardpahanta?, pspacial tern by do dolly po* ddoasO m West. A< tloDYpeFlod, ere apply the PeoplePC is solely responsible for this Ner, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, mid is not affiliated with, any product or service shown hers Any trademarkss mentioned honest are soley owned by to respecdva mdry. All rights reserved. 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For questions, cal Wheat at 1-86MTR'YNOW. 02006 PeopePC Inc. PeoplePC Odbs and the PwoePC Logo are registered trademarks of PsopleK. inc. Trademmts are properties of Oslr respective owners. Oil R#ds Reserved. Service not ev"e, in all meas. Access few, taxes, and other few and rndictbne may apply. Telephone toll chorges may apply, even fh ting trial penods. You me responsible for determining whether a call to one d our accen numbers will mild In telephone loll dorgw. Access may be limited, espedely chino times of peak usage. Del-up numbers may be dianged at PeopbPCls discretion. Coma ours use subject to tkneart plftadn3 Ali use is subjxt to PeoplePC Onine's Services Agreement and Acceptable Use Poky. 56K is the mmdmum speed of esrvice; actual speed may vary 0 2006 PwploPC Inc. All Rights Reserved. PoooPC Online and its logos are trademmla of PeoplePC in the U.S. and other couMdes. 0 2006 Capital One Services, Inc. Capital Ono is a fsdeally registered smilce monk AN rights reserved. rate. To oaakt the average dally belrta lee the ' periodic covered by this statement, sure uhm ton bee ol. of =' eaacchaegrot each day, sdNd any tow transactions to each Mill subtract or erodfs. ff the codars aria to Hermit of hbtM etbtron arty trpdd dunce large h tha braram natt.1 This ghee to the delay balance of each statement rott m'Balance Rate we arm of each se eepnpa. Then, we add 1ip4 N the daenayy balances fa each aepnernt Fa the HMV pedco anal dvids by the toW number of ay. In the 6lag6nVp period Thb gloms w the everyp dally balsoa of salt +eim". 3. Aosd vrese+pa 'twee CAPRI. a. The term 'Nemml Pere"Ags Rae may appear as APR' an the from of tie, sMwmd. b. If the code P (pdres), L (3-mo. 1.111011), C ICerdfferte of ? Miahlelll ismatimud Pdror) appears on *4 1011111 Of nom to do periodic rste(fl, dm pOdOdC rsta rd ANNUAL PE decre Rbase Qu+ Iroroan a dscrean based m%.' ay ary y m stated ladese, n laud an 7m War &~ ./area( plus 101 m+roN proNOarY disclosed to you. ? =%=b; tWxwp rssdo?Y le dm mmttt. Janary, Apt, .slyy and October. c. If to code D (Pkmy, F (1ymo. U1101tl or O 13-mo. LIBOR Raprioed Mont" apPwa m d re lean of Your aetrnem ern to them .stein), alts panbde razes wi be efbedve m the ffm day of yea HMV Pam each month. 4. Anrwrlt N Lab, ov~ aFd Rseransd pmldrs Far. Your aeooue Will be ameseed no mom tan two of Fh ion Breed Mss that occur during MY 04 period. Under the tams of Your asrsmer agreement, we rwmve the 0191V to wales or not to anees arty fax wltlour priosramrodil dilation to without walvkV nor right to seam the e OF similar a a a[er tame. e. You t-its of a mmba the appears fr m the the e rostatement, you he" 30 day from U dste from t of of toe this he was Failed to you m aweh avoid paying the fee or r n to ha" ve such this fee period, to you if you ans. War account. During bias period, you may member to to use your Women v"ur t haviFV to pay the commum membership allli To ceroel Your account, you rout notify u by ailing our Customer Relations pepsrmnam and pa pur New Balance' M full (aackdrV 1M Y. MW lint priorto the eel of the tNny-0ey, period. 6. N You Clan Yes A-vied. You an request to does Z aadnt by caft our Customer Relations rmhat. You must datmy your credit card(s) and accrue access chocks, cancel all pneardokzed HMV, and cease uWnQyouur account. If you ub not cancd im aurtrabed arn0 armnparnents, We will consider receipt of a charge your audhodzatlan to doaW ot account. Additionally, your account will nroYour until you pay of ameums You owe a k ChAll :cry varauNarr you Mw anahaixed, fku ce charges, Past due fen, ohrerilrnlt bw, mourned payment fees, cash adwrice few and any other few aweaded to Your acaaam. You am responsible for elks amnara Washer they appear an Van account at the time you reglmd to caw tr scooter or troy are khaarod abseguent to =m=m don me accmm. This may rout In es ad_ on woo accent after you haw yam eccaak ff It hw Already been dosed. For aomple, R you Audndzod a padisw from a nwdsrit and we receive the trrrscUah from the merchant afar your ateaatt has ban dosed, your Aocoum well be reupemd, elite amoud of the=V it bs added m Your actark, std yyoouu wi be rerfor pryaek. If done Is a mmtihstdtip tee for yam atnoua, the fee will cornea s m ba donned. m rite seam pomd0ed by law, until the scooraK balance hr been paid an Aral r divined abYe. 7.?Arlr? Yen Aoesud.Vw pfd ce accent cannot be uedln aermctan wMh sty Internet gm b&V 8. IbWa Ahat Ebatraie Cheek Can mlorL When You Du svInfommtlion fester yes - you - m authorize oWelther d. to electronic ohapda treater from your t bsdt atomn or When to rp rkmft mWat From your to eNctt mo hid twnrler, hraa rosy be Wdhdravm from your beak acrosa so ram n do ante day we recale Your =,w* not realm ymr dock Wtlk from prymark a N ader, BIWNO RNIHTS SUMMARY (h Can Of Fume Or Oueetiam About Your Bag it you *" Yama bon b veaV, or h =.==- a nfoaia ss shes et as trr soon 1 or bon, Iapaon rh as as p naWs at to eaddress Frt. nt. We khqufFbs shown on Fir irak of die stunan We rout Mar bom you no later than 90 ddaaWym aba ws seer you tha em bill on Wadi to amor at ProH+m appareQ Yau ran call our Customer Rdadon number, but d*V so Will not preserve Your d oft In Your blur, gave u the taBoWng a iomudorc your carte and mcoun mmber arm dollar amain of to suspected error, a dwosAcdptem y of to emor and an erpaffion, It possible, aarmadann balleve term, is an erv r; or If you Freed most In a description of the hem You tiro urge abed. You a nor hays to Pay any amour le Wale won tiro Mwstlpadnh h, but You tiro ell oa surd m peY 1M pMS .7y. bK da +re ram vatlvs? - cannot question, rreport question, Vou delinquent or ism annyyuaction to collect the mom you question. i,t Special Was For Credit Card Puoausse It you haw a pmblem with the quality of ProPettY or aerhAas dot you W ih a credit card and you haw tried let fdtlr to mnrect Fir pietimn vh4Uh the merlon, you may haw the dills not to pay dm something mast due m the property a seMms. Yeu haw des protection aiy Wien the paduw p1a was mac than $60.00 and to padaa ww made in yam tam pate at Ykthin too mew at your masm address. at We oyes or operate ton emsc am, of if we mewed Y+u ton adasWSnat fos dm a wrvioes, N Pur'du+ca are covered rogAFdew M maaht a bcadm of purdhan.) Fenn remember to sigh N arroapondmha. t Does not appty to anamms, nsFCrad& card secants 3 loss rot Appty to bafneas acv-nsdlt all "covens Cdtd?On One she "no Information privacy protection: sm da wmDdt at wow. mdcaadnaro0 nr did CaPOUdNok AN d01r r . ° 201 OI?R radtd raw 01LOLBAK o c mime to ammo to paid in full. even ff MF clo m dins lima of dets, but did Un Ykf? toe dupes map P d Account o dupe, a ni amum Will be lonposed If the ol4r and the e difference will be ya+ a=M- nrga. Um drroes for rry dtven and odic Fero ter man roe of each erlod, we add alp and- d We add up the a Friona, kluge for your Accoud. To pat Fir bre- for each marmam of Yaw anAaak, We bra the baste for each MOrotk ad add muY mw V sin sal ray paq t Brehm charge cdeuasud on, the ay'a ba(rrm for Van spark. We than subtract r payments a credits potted as of Fitd day dw are s%-. to dW am . . This gfwa u the separate daily bela ce for eaih asgeea of Yo r atcouk. How, ' if Y+r+ tl New Balmms aloyrat m yam pssvlas datsrrhend le (a If Yam row bdroe ear zero a ¦ credt moiaW, new purchase estimems sm not added so do data belrtms. Wr celcalbste do average by .1 do dai lafroea mpola and dYidrV?ins tun to nnuba of ha to days in the curm?kybWq cycle. To calalaa your tool = p ?iae rd by the rsenbor of?daw tliie?bilY?p perlodi dais m uaMrq m s dell/ baste, times may be a William wrie Fepe, abetween thills c adwdde?drle boa n and the amain of b. If ton dmds Z a N appears m the of No statement nwa m 'Babas Rate AMW To: we MMW the Adv Adr+ra „ f dad, moat[ by yam rrmndaY. knpord Ibwe Pg m u you melt to zee We be credted m Yea mourn all of do trainee aY we motive It provided (1) you send the bottom portion of time satanent rid your chock kit dos ehclwad wnknamp mvdope and (2) Your Ynr+f+ is rocelved b our maw tartar by 3 p.m. ET (i f roan PT). Please allow at bad 1w (5) business; days for poaul delivery. Sarilards Pay received by r in any slits butler or am calm ion 6e aerated tie of /M drv males them. Our business do" are Monday daorh d*h a y=aw b hoMdsYa. Piscesdo do rot zee drT c? pNmma.WMpybr aa w . send y u a eM you wAhDdZS if earn n to MOM males 8 n aW ebetmri t vamfeF abh tram your Web irinake dnip +gesragainst P+PefYour bank account to dick a Paper draft or Q#W hmn. billing cycle , awn wn if by ewneam elm. dn. If N we cerrmt process the transfer, you audodxe u to a 8 Capital One No Hassle Perks - Plea ----------- se use your Capital One card at these stores. --+r------------------------- 201837 --+ r------------- ' 1 1 1 O I I O A 1 I 1 ? 1 1 1 ' Save $10 Save $5 1 Valid for $10 off a purchase of $75 or more. N 1 1 1 1 $5 off any toy purchase of $50 or more at Outlets. Works and K•B To K-13 To B T K N i Ln m ; y y oys, - 1 1 1 To locate the store nearest you, call toll free: O 1 1 1 1 1 1-877-5KB TOYS (1-877-552.8697). T ' 1 $ORD KoNW?- 1 1 1 ? 1 vwe gave an 0""" st, logo 1 I 1 valid seat tsar sea.rser sr, nos Bes mww WM ro. uetor. 1 1 1 Sn.evwwr?ee'aamr. 1 1 ' 1 L - - - - - - - - - - - - - - - - - - - - - - - - 1 1 - - - J L - - - - - - - - - - - - - - - - - - - - - - - - - - - i ...for your summer 9 to th?nk You Use these coupons NOW! Thanks you deserve it Free no strings attached Easy hassle-free fun Get thousands more online with Capital One® No Hassle Perksm r Jump online!) tVzopllalere-taonytMAN9epttnYs sm Then enter your access code 055SEM144L FREE deserve even more for 12 moeths! from your Capital One card so... Ho stringy attached. Go for the savings! Go to www.capitalone.com/nohassioperks/save and enter your access code-055SEM144L. Then surf for local and national savings coupons to complement your Capital One card buying power when you dine, travel or shop this summer-and beyond. Take advantage of these coupons whenever you want. They're absolutely FREE with our thanks! ro sr CapJM1C ,e' I what's in your wallet7' ? 6! r------------------------- -- + r------------------------- -- + ' 1 1 ' 1 1 1 ® ' 1 Large Any Way 1 1 PURCHASE $6.00 1 1 You Want It TICKETS AT BOX OFFICE 3 1 1 $9.99 Monday and Tuesday. 111 n 1 I rr..eta We auPea a the iMerre N: orna to pen6ss up N more (2) •Vr 8uraw Sauer AdWalce Tickets Isr adY 80A0 ee.h. C 1 h Sunday. through $10.99 Wednesday 1 I r saw' mkar se Wa[iTStcTSD- P • RI 1 1 Up to 3 toppings, Any Lover's Linea r 1 1 1 1 p re rr Yyrsde » a Ad . Tick fer oat' S1.so eaas p.r Nck«. 1 1 1 or Supreme. Super Supreme $1 More. Q 1 1 we0 2 Adml.skm Tickets Mr Cegrorr. A 1 7O 1 1 REGAL a_ & WONT ' A 1 C2 IlllllllllllNlNllllll A74 F.\TERTAI\k1F nT BOWARDS 1 1 i G R O U i' 1 Valid seat tMu DeOatsYar 31, 2806 W4!a tllC?4 1 1 rind am that DepteMr 31, 2000 e!rlMV WNbOl10N. N.M4 tl4Ge:t WCna.to. 1 1 . $N.rYIr1 1 1 1 1 L - - - - - - - - - - - - - - - - - - - - - - - - 1 - - - a 1 L - - - - - - - - - - - - - - - - - - - - - - - - ' - - - J Capital One No Hassle Perks Please u se you r Capital One card at these stores. KoRl;?*?79 Discount cannot 6 conthined with any other coupon or applied to purchase of Gih (ards or video games, systems and amessories. Discouat taken off lowest prices at register. Sales tax not vdid toward S50 purchase requirement. Limit one coupon per visit. Not valid at K•1 Toys of Wise6uys K•1 Toys of Sdewal; online or during starev ide sale everts. Associates: to process $5 savings use discount 11000488 or seled IS EmwWmoent" arpeta b NNr N IMr. NNNa r b NMr flaunt o14rs, curse meftd. Coupons env 11p dwW, mW of Mrbradbaeu. Eutude, pr liams end series parcckm oft card: aid (adgirain nm4ladt *KW aidem tiny net be caahhrd A ether M*m or taparea, des11ooa, w edrr treat dwamtL odtiml an" rust M rderrd at in at Inactions. Can a epw pea perdu, par tudeeer. %W N spied. 10/111111/14 01111 stn s PJAN d by lee. Any ocher ant crosBtaM trash (testa vdw.01 t, Not redeemehle hr elk. 114Ad salt In U.S. states 711AS - I V31/96. faders (rAlem ifin Near, sled S$ seleq $6, sun or enter asps I, soled Sl, eater S10, and 191L 366002150000000000 Sldilscr b ahemother. Not retld WM NMrfsmlN staters. unkessMNps0. coums,im Nesrcreead,cold 110::0 brash. Questions about Capital One No Hassle Perks? O Is it malty FREE or will l be charged a membership fee? Yes, it's absolutely, positively free. We are giving you this customer appreciation offer (a $100 value) to use for 12 months. There are no strings attached, no gimmicks, no catch at all. Enjoy these coupons and don't worry about being automatically billed at the end of your free membership because your login access will simply expire after 12 months. © How do / get my savings? Simply go online to www.capitalone.com/nohassieperks/save and register by entering access code 055SEM144L. Then print out the coupons you want. Here's more good news. You'll receive more coupons like this from us in the future. So be on the look-out! Can 1 print coupons for other cities? Yes! Because No Hassle Perks are powered by Entertainment! you have access to coupons for cities across the country. That makes it easy to click and save on dining, shopping and more, whether you're cruising around the neighborhood or traveling on summer vacation! 0 Who can I call If I have questions? For all questions on the information and coupons available on the Web site, including usage, just call Entertainment toll tee i at 1-866437-2758. Use your free online membership and save for 12 monthsl This you-deserve-it perk is our way of saying thanks for choosing Capital One. We sincerely appreciate your business. Visit www.capitalone.coMnohassieperks/save today! To take advantage of this offer, make sure you register online before June 1, 2007. Ste! Entertainment, which has 1411 responsibility for this offer, is not affiliated with Capital One. Capital One does not provide, endorse, or guarantee any product or service shown here. Any trademarks mentioned herein are solely owned by their respective entities, with all rights reserved. By moom responding to this offer, you may be communicating information about yourself (for example, that you are a Capital One cardholder) to Entertainnent, the company providing this product. An Offer is defined as a discount, whether it is contained in the form of a coupon sheet or a custom coupon book. Discounts exclude tax, tip, alcoholic beverages or sale items, where applicable, and may be subject to additional conditions and restrictions. In most cases, to qualify for a I?r free offer or complimentary item, you must purchase goods or services from the merchant making the offer. The barter, trade, sale, purchase or transfer for compensation of these Offers in whole, in part or individually, is strictly prohibited. These Offers are intended for the personal, nonprofit use by the individual recipient and are not valid with other discount offers or in other cities unless specified Additionally, the use of these Offers for advertising purposes, in any form or fashion, is strictly prohibited. Any use of an Offer in violation of these Rules of Use will render the Offer VOID and Entertainment Publications, Inc. ('Entertainment") will pursue all legal remedies available to it by law. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Entertainment will not be responsible if any establishment breaches its contract or refuses to accept the Coupons/Offers; however, Entertainment will attempt to secure compliance. Entertainment disclaims all alleged liability for bodily injury or property damage resulting from any accident, event or occurrence on, or resulting from the use of, the premises of the participating businesses. Entertainment disclaims all warranties, express, implied or otherwise imposed by law, regarding the condition of those premises or the safety of the same. Entertainment disclaims all alleged vicarious liability for bodily injury or property damage resulting from the acts or omissions of the participating businesses. Entertainment"arlliallubwart; and * are registered trademarks of Entertainment Publications, Inc. ® 2006 Entertainment o, Publications, Inc., 1414 East Maple Road, Troy, Michigan 48083-4019; 866 837-2758. Printed in U.S.A. a O 2008 Capital One Services. Inc. Capital One is a federally registered service mark. AN rights reserved. $027.-01 ® REGAL FFNERTl1M --NT Novel s GROL, P (heck your load newspaper or visll wasv.1tEGmovlmurn for shoenimes and locations interest you. Su divarp may he opplad if "new at my hlaskanas, NY, know Ya1d or aN h fof EnterldwneM Group ba0ons reli"ci . 'W Super Sava Admission Tsket i1 not valid during the first 12 drays at set11tod new release films. 0 Large Any Way You Wont It 59.49 am* ad Tuesday. $I&" Ypeiosdoy thrargh St.day. Up to 3 toppw6l, Amy Lever's Use, or Saprser. Super Supetse Si Mesa. Void so Pon, TW'N I dW, and 8mdda uni We Fan (Am ovaikble). C2 IIIIIIIIIIIIII?IINII A74 Only, a pert (ipaint leraiom. One (aspos per arde. Net valid whh raker aflen. Me double toppings. Delivery arm and charges easy vary. 1/20 (ant cash redemption Valle. CM6 Ras Mel, Iw. SuyeelleINir NUa.Not reed with NMr discount NHS. UALU sWO d. C.W,Vae N psnvusa. soldsr MrMSd asr cad. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 GW Richmond, VA Memo Dare 31562 Use byAugus0r 2006 68.6771510 596897 14 09219 V W S W h Daf(ars Z V Ct a Cardholder Signature II'LIS62110 I:OSi0067781:86S207403Si4il" Cabo ^s Account Previous Bayne $2,942.50 Payments, Credits and Adjustments $100.00 Transactions $4.00 Finance Charges $5137 New Balance $2,897.87 Minimum Amount Due $86.00 Payment Due Due August 19, 2006 Total Credit Line $3,500 Total Available Credit $602.13 Credit Line for Cash $3,500 Available Credit for Cash $602.13 Atyoweervice To aU «rtoma Rdation or w retort a lost or sWa oard 1-800-955-7070 sand Payu," to Sind ingduia to: Atm: Remmanm Promaina Capin One, F.S.B. Capital One P.O. Box 790217 P.O. Bo: 90285 St Louis, MO 63179-0217 SLC, UT $4130-0295 PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 JUN 20 - JUL 19, 2006 Page 1 of 2 Payments Credits and Adjustments 1 10 JUL PAYMENT RECEIVED - THANK YOU $100.00- Transacdons 2 19 JUL CAPITAL ONE MONTHLY MEMBER FEE $4.00 F'mance Charges Pkateue remerx rrdef8r rsrpsrtnr t ra ismaatmn Ba6aaxr - F l N tti- s R m '?d CHA n1 PURCHASES 11,460.09 .05836%D 21.30% 82556 N CASH 51,474.16 .05836%D 2130% 825.81 ANNUAL PERCENTAGE RATE applied this Period 21.30% PLEASE RETURN PORTION BELOW WITH PAYMENT OW* 0000000 7 5178052077035141 19 2897870100000086004 New Balance $2,897.87 Minimum Amount Due $86.00 Payment Due Due August 19, 2006 Total enclosed $ Account Numbs: 5178-0520-7703-5141 Capital One, F.S.B. 90217 11 Iu111111 11111111111 P.O. Box 790217' St. Louis, MO 63179-0217 1 111 1111 11 1111 111 111 1111 11 1111111111m1111n111111If I IIoil111 Pl-prints-,g sa-mrd/ar silAm. k'1_ .v R_ or AmOk -k Cry Sme ZIP Haas PAone Altetmlt Patine 0 Em.aAddrto #9020142891197326# MAIL ID NUMBER INSURERS! KAREN HARBOLD m 4529 ROLO CT m MECHANICSBURG PA 17055-5889 v L1111L1111L111L1011111111 6111611111111111111161111111 Pkare uwte your aanaet numberon your chat! ar money order mark foyal kto Cufitat Ono RSB. axd mail is thx enc1as d etlvelofe. m nO z m 0) Z O ms O N m O a m m T m m D < m 31 m i Ty m O D v v Z O o n a o > cr 0 Z 2 ?m a F z -4 = Z S m 7 6 m [ * m 0 ttitif? ft!? f? tffilt? t? O I Oi ffi ?? Purchase Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Are subject to your cred t avallallA ft oe the day Capital Ora processes your clack Please be sure the total of your checks, transactions and fees does not e)meed your available credit line. (4) May rat be processed or may be processed at a higher default rate lt your account is not current (i.e. restricted, past due or in oollections) at the time a check is processed. (6) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used M pay down or pay oNany Capital One account. m Cannot be used by authorized users. And authorized users cannot request transfers. (6) Qualify as using your account. AN other terms and conditions for your account remain in full force and effect. and h thre for k m be credited by Vote a V pipedd tmefan. In adolkh , d?ien in on any [ If you do nor pay de i b. Aaanitg Ferre chase. Trseacdau v*ic h are not frmi tlr rises of tlr aN;tlar fnm tlr Mks the) trrraelkn Is pnopered m your Account a 3) from the Aret helahMr day d tie arrentt blYtty period AddtlaWy, if? yywau did cot pay the'HOW BaWre from d preNots is parbd N Y, fishes drryea conitts m setter m your upald balance Wens the upaid bstahce b Paid in full. THa no ate that you may alb owe eronca c aVae, avant if you pry the ado New Balance Mratod ur the fort of Your Statement by the rood steterne t closing des, but rid rot dp ono for the epprpeta/buissmokh kkpoid 1Mrce Cho tc. Mimmn Ferro Ong.. nor sidt b9; ,d d that yon ;am=en b abteet m a Ihn- drupe, a miinman rata fi14NCEd,f]aim4SROE of 80.60 Wits be Imposed Nytohker try b ???? pet anaout ham the 80.60 mYinm and the dtktsree Win it baled to the purdrr rpno? of your accost. td. Teeperfry RWadon in Rrrs Orq. We reserve dr dot m rot Mast any a Y firms tiurgn for Cry dwn 2. A a. ar to you ansd rid sect 6y daiq hw apply t o doll periodic rte for each a court to rift. d.ly tames of each Yw accour if h h s eieody been dosed For sxrrpla, fr you Mkdtorized a pudws from a maerdrt and we reheiw the trrheac- from the mendha t after your mecum Ire been dosed, your accouit wet be reopo ed, the amour a tlr oral bon added m your amuu t, rd yyoaur a?ri?l m for paymat. U tsn N a nrNrrewahp fee for your elec=t, the fee wit Caaime m be drroed, m dr extent pemYmed by Wv, uto the sashes bierre hp been PYd in r? So defied above. 7. ttaip Your AeawS.YOr care a ecoom carnet be used In connection vith arty Ynene[ gambing utmeectloru. a. Moths Aber Ll.raarhM ar.ab Ca wooke. When you p-ldle, • dnoek es payme t, your wtlrdz. w .Ides te use YMomrtlen from your drtik to make • -.6- elecrnonde lord tranfer from your bait soccon a m pmosee the ppa?yme t w a deck trrraofa• When we Ise kHammim from your drocit m make en aleatrarde had transfer, herds may be vAtlhdrMVwh from your bank accamt So acct es Us fame dry we recolve yvkr ?Y ?v recdve your check beck from BILLNkd RANTS SUMMARY tin Cane Of Emory Or Questions Abaco You BR) If you ft* your I>i N wrap, a if You need more Infomwtlm n a transaction a blot, win to r en a aaparote sleet es seen es poem; at tlr address for lhmr from You ro W thm e0 dove aalterr " am you the 6M Ina en vAddh the sera a problem appeard You un cell our Customer Reistone n umber, but doing a wi not preww War Aab. Mt Yoe Neer, dw r 11 aolo.Mg amount f yam rums and eaeado nrnir, tlr dolor amain o the ourapecred error, s Meoriptm a the emu Fad en eoparetlrt, h cocain, m you eelaw tare iS en error; or If you need move M+ W tlon, a deeaption of the from you one u sure aebe?ut. YYou do?n??ott howh m WY my rjaumn?d.anquwm a Ulke aact7an tocceect Uhs Nmou nt Vou qusStion. i,t Special Rule For Credit Cad Purchoses If you hew a problem with to quWty of property a eervlcos that you purdwed vAtlh s whh tl?ie hew tiled lot 9eoe 1dM m wrrsel the mwdhent, you may he- the drRd art te pay to remaiing amaam due n the properly a Services. You row Wa or?t?, rift. pkrnrJhsnsa grin won mos. den s60.0o aM the pu,= vas made in yam home mm a widin 700 meets a Van maaitg ahlhhae. M taw e.ah or edam ,praopifanye mNed? ? ?? are covered mgardea W amain a location of prcMa.) Please remember to sigh Mt coRnpodence. t Does not apply to oontunrr non-credk says ecmunta S Does net Apply to buskiew -creaw cad A6COA is Orr apports Mammon Pdwcy Protection: See our at wow. can. Ore N a Y registered Service mark of Caphal dal Cooperation. All ridM reserved. ° O? LBJ1K a Cued=. (m the Code N n en tre Irantt w to Statement nwa m'Balance Ram Applied To: won z Subtract any upold inrnoe drape Yhtilyded in to of each seT?w,r[) TMs gives r the daily balance t .epnaa'IN 1M deateepe? and dv bey the tw n urnber of days ih tie bI1Mg period. Tits glwa us t e age daay hairs. of "oil segnen. 3. Marl i re.lq. Rear IAPRI. .. The tam 'Annul percentage Rat: may ,pp..r .s 'APR' en the hat of dio statement. b. If to code P e'dne), L (3-mo. LIBOR), C ICerdfiu enwn thent ppeedodc m O) utthe pN?N Fates and caroapmdrq AfaMAL PERCENTAO RP .1-W pmu the mrfgn y ataloesa ro You Tea tW be w n the fret day a your hiinp hewed by you periodic Sutanmt eMng In the moats Jo merry, /pre, Julyy and October. c. If the code D (Pnbre), F (t+mo. 1160111 w O k3-mo. LIBOR Repriced Mm#" appear n fir from of Your mtenent neon m dr ppaadeac ram W, dr psdodc rates and AteaMl PERCENTAOE AA'Tk9 may .ui s lot' , se wk: d!in r`1 e ve J 4 aihm the mardn pmviarly disclosed m Var. TMa dirges YA be affaetlw en the 1iM day at your bWM period 4 Amosetrt of Lau, Owr6il d Rsborred Prrmwrt Fay. Your accou t WIN Ie Sassed re more dirt two a dno fee gated here Ust ear during try baling period. Urdu to tams of your crramsr agreement, ors manor the dot te walw or mot te .eases any foes without pta retlfkatm to VW rwlNng our nlat to a- the same a drol., a a later 1Nro. 6. Your Assess. If a nrnbsMlp fes I Tof r? l SO u d ?fi m M d t ? a me aw w dag y codaArArt ne to VOW the ra tl periodic brnos Wrye ra each aegrai t. We add tp the mem twi m a c t en e this Sta te you to swkd pm*V 1M to a to low such fee credited m you results from each rgnat m ardor n fur toW periodic If you cared Vour auaout. Duing du period, You prey fiance dar p for your secant. To get rifts dry bYahm contlrar to ue yet accou t vAftA ho*V to pay the Our eSc h apment a Your axamt, we take the bedmk?B membenNp fee. To pncd Your attest, you mwk balance for eac h rgnat and add enarhyy row b sneak re node three Char r?IouLt?d en the reNds aM a notify r by cling our Custaner Rdetiore DaParthmaht end a oua Now BaNrhn' N hit (erudu& rifts ge p cy dey'a fa that sstlmnt. We dhen nimsct eny p y yy q matbewHp lee) pda m 0. and o1 dne tNny-day period, a N w to dine y a ? ? Q pe?a ?n ?d U e c saps to iepna ThN rs u balance ? w a ? w ? aecamt by C= our akaner INla re yD aa pra Y , r a W d Bolrhm iln rh m err via iraurir i in hi ( accout amae ci sNu, canool eg pes rodoodd lkkq, if you row balance Win zero or e acct anrouat), thew - and mesa your ahxohrrt. If you do art uncd W. wtidh Pat to Vow Fachae a Spatial ear preautMdzed Fag atranparenb, won wg l c a ri d e r Mbel no?We Sou t m? m end rol l l es ro a p en y o u r? of eAdditl WI t A l b d d P a p S y ea a et s 6aWrsa tagstlha and dvidrq tlr sun by the mmber of c v e ose Y. You axu hart you wv ,, mtama You owe w khdudnp: my the days h the Omen baip cycle. To caloesn yon total tra sactio s you haw aut horized, firunce dupes, past mnence daps, your average dNy baknca by the due fees, owdimh feet, rmtned payment feet, uah duly rte std the mftw a Myer h the berg advance ten rd ashy other rota aesesad to your ge m rouMrp m a daily baNS, gyre msy be a accourn. You am resporolbN Our then amount .Another ddt variance betvwah tti calculation and the amaat of they appeer n you =coo=t a the time you request te Ikhrhm dells .mwy eaasasd. rime the a cant a they fro Inc=red akbaequerm te b. If de code Z a N appesn n to from a We summert yea rsgkea to days the aeearht. TNa my rewh in amt m 'BYrme Rotte AppMd To: we mdtPly tlr clurgea ap?saring on Veua attach Cher yw tuw In?enc? Pnai u ro anWVN pegs l2 pct papa b ewe rod ki our psroocl l?MrtWp etch ? P ?wlh? ro?aMi ? ?iPNa?e a?Uow n loa?st nwP(6jenu Y w Omiys?ta pa?stal p?Nvder?)ek Payntats nnivsd by r st Cry odl lMpr bcadan w IpnaCp+ry otlhYuouOumlammay not be cynaduteA one a 1M M ors receive tMm. ou Wakua Mys are Mwday throat sahada , eokauip tnatley. accaan for is ?ot tlho?dhsck. ? N aWrdzadan +PPkes resit d?reb miecdvad during the 6NYhg aY? owtlhoi za uw?m anreean.??we?? ptrareMisses aMeW r? ?yar a?ukMrize r m make a dupe agdrot your bent aoheum hwihp tM deck, a papa haft a otlr hem. 4 KAREN HARBOLD 4529 ROLO Cr MECHANICSBURG PA t7o55-5889 68-6771520 201855 ?g 09218 U W V $ W Dollars Date 11563 CaphWGW Richmond, VA Memo -- Q 04 a 207955 Cardholder Signature II¦LIS63n¦ IMS1006778L:865 207703S L4Loa Easy. Convenient. No Transaction Fee. PW2of 2 You deserve hassle-free financial tools. So to make it as easy as possible for you to access your account, we're pleased to offer you these no-transaction-fee Purchase Checks.* You can use them ,..for your home wherever personal checks are accepted to: Prepare get cash Control consolidate bills Don't Waiti Your Capital One• Purchase Checks get Going tackle home projects should be used by August 31, 2006. Even better, these checks have the same rate you enjoy for So use them today. purchases made with your card. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. QWftW0 L'* I what's in your wallet?* * Please see the Important Disclosures on the back for the terms and conditions for using these checks. KAREN HARBOCD 4529 ROTA Cr MECHANICSBURG PA 17055-5889 Richmond, ` CW N Memo Date Ira. by A-W v, -A 11564 68.6771520 207855 Y 0'x28 V W V S? W H Q 2 Dollars Z3 a Cardholder Signature u'L1564ua 1:0 5 1006 7 78L:8652077035LLs Lu• KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA t7o55.5889 CAWhW0 e' Richmond, VA Memo Date 11565 68.6771520 202855 ? oa278 V W Z U ? W $ H Q Dollars CX a Cardholder Signature 11'1156511' 1:0S 100677131:a6 s 207703S 11, 1110 0 x0 z O N a < E D m O M ? In 0- M Di T m > > 7 D Z 9 v ? ? p r ? Z GI Z o m D ? O O O i 2 9 Nw m r 47 m Z *m n 0 aa? logo= !s I? OS ?at m N r N IMPORTANT DISCLOSURES purchase Checks: (i) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Are subject to your aedR avalabRity on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (q) May not be processed or may be processed at a higher default rate if your account is not red it i due or in coliections) at the time a check is processed. (5) Will be returned unpaid and stricted, past current (i.e. re you may be assessed a Returned Check Fee if the s unavailable or your account is not current as stated. c fy t be used by authorized users. And ) Cannot be used to paydown or payo/jarryCapital One account (7) Canno (6 using your account. authorized users cannot request transfers. (8) Quail 61 All other terms and conditions for your account remain in full force and effect. O 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved 0 D O O D rn M M T m m O ? m ? 9 m O > s n A 0 a T _ 20 , 0 m z O O w =% D N p m m r G1 Z *m ? n O :0 O Z 33 O i > « M m 0 9 ? w m ? O 0 s p D _ 9 > N ? r O Z Z z r z , N zi D N w M c? m r 0 * m 0 588905 on your auto insurance. bang for your insurance buck. with all the money you could save. Call to get our best prices on auto insurance. Answer Financial's+ rate comparison service is fast, simple and FREE to use. 1-877-886-9111 CapffaloW PLATINUM MASTERCARD ACCOUNT JUL 20 - AUG 19, 2006 5178-0520-7703-5141 Pagel of l Account Summary Previous Balance $2,897.87 Payments, Credits and Adkistments $100.00 Tmneactiorm $310.37 Finance Charges $55.63 New Balance $3,163.87 Minimum Amount Due $94.00 Payment Due Date September 19, 2006 Total Credit Line $3,500 Total Available Credit $336.13 Credit Line for cash $3,500 Available Credit for Cash $336.13 Atyourservice To aB Cwtosw Relation or to neon a loot or stolen w&- 1-800-955-7070 Send pgmmb to Send inµiria t« Ann: Amnimnee Pnensiag Oae CafLw P.O. Bac One, F S B P.O 790217 P.O? B 70285 St Law, MO 63179-0217 SLC, Ur 84130-0285 Payments Credits and Adjustments 1 19 AUG PAYMENT RECEIVED - THANKYOU $100.00- Transactions 2 0S AUG AVON 888 433 2153 FL 3 19 AUG CAPITAL ONE MONTHLY MEMBER FEE $306.37 4.00 Finance Charges Pkater« rew m nkfor imfortast ny6rsran- BdeNrflCl 6 dt PeriodN ?` VG d ,? r e M PURCHM 3140,1.41 CASH r r .0059 iD 21555% ? 1155 ANNUAL PERCENTAGE RATE applied this period 21.5591 PLEASE RETURN PORTION BELOW WITH PAYMENT CaPhwOne* 0000000 7 5178052077035141 19 3163870100000094009 New Balance $3.163.87 Minimum Amount Due $94.00 Payment Due Date September 19, 2006 Total enclosed $ Amount Numben 5178-0520-7703-5141 Ptrarcpriatsrm!' aal.mda.e-?;r.a aux;k S rott Ape t C4 Sate ZIP Home PMm Alt-t, Phan E.aAddtas #9023242891197321# MAIL ID NUMBER KAREN HARBOLD Capital One, F.S.B. P. O. Box 790217 I 11uuiI I I IuuI s4529 ROLO CT St. Louie, MO 63179-0217 MECHANICS BURG PA 17055-5889 Pleme r tepw arroamt amber m yo shark or money order madetwyableto Ca,w,d Ono RS.B. and mail in the eadraed emxlote. F Take advantage of this special, free service to shop, and compare our best prices for your auto insurance. Call 1-877-886-9111 today to see how much you could save. Or visit www.capitalone.com/insurance +Answer Financials" Is a program of, and Insurance services are offered through the licensed insurance agency affillates of Answer Financial' Inc., Insurance Answer Center Inc. (California Ucense No. 0899714), Answer Center Insurance Agency, Inc. and through other of fetes. Answer Financial Is not an insurance company. Insurance plans and services are from Insurance companies and other licensed related insurance providers. Not all products available In all states. Rates subject to change. By responding to this offer you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital Ones customer. Answer Financial Inc. is solely responsible for this offer and is not affiliated with Capital One. 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 and are not insured by the FDIC or any other United States agency or Capital One. Your decision to purchase insurance and your choice of an insurer or agent will not affect your eligibility far any Capital One product or service. Capital One is a federally registered service mark. All rights reserved. >zec f'1 a? ti f? ti tot. era;. p;iad. Vau vent hne i mWmun grace period of 26 days wehaR 1100rr dares on now Dudrar, ro'e' boanos trwfero, now Mocial pu . and new oder daaneas R You ppeeY Yom tAUI'New solstice, In Hoke f Payinents ?aornrdrm wMk1Mr asd40 W Y below, d 1.1a, trustee. In addt?ilon Period m can edwn0ea 0- Is q.ce P•rfed on any t ainam w if you do not pay the total NOW b. ailset tern a ysr period ors arered assns d-P 1) Mm the dam of the transaction or 2) from tls date the trrradion is, , s eto yotr Arrant a 3) from the 16yROtualydar ok1Y of Ara =MM bfifinp porlod AdMonay, if Yatr q In *A, do *Mv- 611111nob do nance d*Wo tnkir rm to croon to bya?k?taaI.M ba, rno to taiald balance is paid in e!. Tli rrrerr tlr[ Ya1 in" @M o" Anence charges, BaWne Mrad Ott tM front Of if your tssoure?by New n oof atarentaa doakq dune, but rid not do r for ft pwAom nund - UnPdd Ilttartce casrgse an Wiled to tM app?r?hls wanont of Yam ACOMC tc airiwlMn FYUmaa?gQteraN• F« eadt baYrq pariad nlr inan 6a?wN?6,epp?BNrrnposmn meal CipWa 1r.0aE?roWdr?ASD? secant tram nytoMm entutImhhtlr b N.. 10.60 than mkai mn1 w wi aWttsa that st and the dRsmce WE W td. Temporary eTemporary lWwlbt less vat antwetoum=aooaWeant.rve t. rese Fle tlwpse for ry 9M t dytt to not aarw any «a W. 2. .= 8 sYrOa (YaWrY New Mdro.rl. a. Finance cWma in Oalarted by oald0,,hV_ta, doily -fact we OR* are Psdoac role t« oaks yam .M. mf tM Perio it kaperio of cede ten a tM ad od, we add rip the r,,AM It these dWY cars araora re emw sc for periods firrims Broth rrprwnt. We tp th roehl lrortt .X= , te ado at tM totd Paio6c finases deeps for yoor axota t. To gat the dsay ?Yarc for each aWwK of you seminar, we take do WI?? balance for each aevrrr ad addar?r row trr secdoni and asp Uarce dwap ulariatsd on the pp ovk Mount. a to dbWpsefugairso. We a Of inettday ? - sL m dut ogrwnt. TMe dvse w the aepaare day baWK Mott sele for mast sgnwnt of Vern oomoas. 14v , It New B.la+os elcvat on yam prmiar aroeer,trnt H nJa1i 1 M Yota row boWam we zsre «a aedt rrcunt), new to Vow furclisoe - special puldMr lapatlaa awe rot addrd dteto helafleea. calariaM fM awoas tidy balance by ad6rq all the do bMrgt TCOwrod bV thle eatrrera take fie fro if you salsa :M;::, oath day, add my now e k balerce of eaa roe" tM e ? r ?s to M*. or erodts. (It The code N appesandm 0. fiTOmo?hlst? stownew ? no ds, Kno re N the b"noe uapdd inane daage eL of each eagnere) TNs dues te As day balance of each dd all ft dayy Wwror for each Th nrarberraf W M crro socout bi en, we a aeQnad. ssOraaH for As h?irp ptepXOa rd d% by ft total 7, Ilia Yar raadror of days N the hPFrp pabd TMs duce w the awr% day baiaca of oath wiFinmt. a Co. fAPRI. arl Per.ase 3 A u e. rbWe Nr a . n a. The term 'Annual Peworueso Rate' may spear as prowida • c APR' on the front of chit sMtueent L 13-mo. MOR1, C (certificate of If the code P (Pd-) b uro MomY eleatmdc t , . S errikmard Prins) appears On the from of a (B Dapaala a gomeaa 1M , rota to As Pulock ratew, Ale oed Tdl Ala autse E RATES sere Mara ad tiaras ( ANNU LL PERCENTAG ratan and == tease or decrees War t axaatt r my may wry at Aro stated factor, as toad in The WIN 3Ce4t payment, ,aomttel l? tM in- proviwrY disclosed to you. you Neste Three MN W w as Are fiW coy of Vote oowted by yea periatfa aaromaa erdrq er e 61WNa RM ie -.1. Janwty, Apd, Ma, and Omber. i A N If As code D 6*-), F (1•mOR) a G 13-mo. c (In Car Of E If you think V . BOA P priced Meat"m T A = Infoa saw a U w rr o m 1h. nsdale Mehl. :::: separate stau he mardn prsviotrlY dstaoeae to yen. 1 rase aYrgaa the M eMaetlw on Aae arm day of Vera bNkag period coth -aft 4. Aes ussnt ef Las.. overase and Ra4anrd Petanert Few. laced here to omr doing cry bMV pulled Under ft trmns of yea as uma agreement, we reserve the dam to wave or not to a.aase arty ire within Mot rotlacetien to wlAca wdvinAap our darn to ea.ese tM one or similar at • late taro. 6. sew eous. If • membarYep tea appsen on Ao from of tNs ataanem. yea Mw 30 dew ham Ass daro tli. atatemont was mead to you to avoid paykq the foo or to haw aunt fse creilted to you may if you cancel yaw scoot ant. During d" period, V. canWre to use yw sctotad vAUcm Mang to pay iM manheWip lea To carol your account, You mart notify us bpyu ca*q rP >ione 06 M moat sp Ise) to tM end of tM tNnyd.y period. & N Yu; Cbae Y- Aeaaut. vw can rapst fo are yaw adcoaad by oo" cur custeo n Ralaaar aD padmem. You mum demroy Vase ae6t cordial and accout axes dasek., Carrcd .a proautimbed bakq, and cease Yata acxun. If ynu do act eared pfruacri2ed atrarganonts, we Mal caddm receipt of a dtarge your a dedzatlon to raoi?a your scant. AddtiarWly, Yaar ae4otsn vii not be dosed trots you pay ON anaaris You owe tr loci 6nq. any varaetlar you Mw aWCdzed, Araaraa thargse, Past dare tees, overeat ter. roNarsd wYnwa fed, nah advance fese and arty sties tw ==10 your eeeoud. Vou aro roapadG. lose sas aMMtlsr ==cum f art yam xoun a tls tens regtreel to or they sro N1Wrrr mid oprm re yaw regtrr[ to dose ft acoasn. Tlia may reolt in daareea aooeaau on vo a a ut site, you Mw tM 8 the data ii the amm baWaa ?'M?e• To idad- yotr tad 1M l b da b I e nob y y finance drNe. nm/P1y yar avaags ebiag W doyeIn th - O r M a on • day hash, Awe may =r. = spit[ variance between dds calmdstlon and tM amount of b. 11 Aae?code Z a N apprm_m A e /tom of No aaWnart m , next to 'Balsem Rae Affi*W To, we mctiply tre M ccall bed a pu hose from a nnrohrn and we rawdlon item tits nsrdead after Vow been dosed, Yaw soaouu w11 be roeparod, d Me tlcwaooppss vta be added Yorr arrant, N Asro le a b rsapesrEM for pgerwd.M fns for yaw soeount, to fee will aeraants 11 10 tM arewd peaNaad lose la?v, udl tM nr Its bees Pall in N r dersd above. lesaaant.Yw used « acoous ramot fe etalon wkh any kaanet pariiq I olueowe dui Car ..r l- What You aik se PaY^wnt. you adobe sea eptsr u Ion flan yotar drok to make a orr6ns ad tioula from yam besot arcaar or to yy?rnt me , , trrraollaa. When M Oman your cheek to male an electrode Uxb may be tvklydawt from Vour bank can as the saero day we recon yaw d =not =ndon modes Your duck beck from o Or Quiardons Abed Yar AM a bill Is vworq, « U yw road make a trarsac . a hal, write lo se on a se aeon sa Posa6le stow address for I on to from of fNa suarsm. We Mot no leer tits e0 slow sibs we aim ym the Of, the error oa P.M. You can ?w yow Ads. In war Meer, fihe W me toaeMrq you nrne and account Maribor, 1M dear anaun of to arpaCW asset, a desetlglon of tid ens and an e*anadm, M poWtls, Of wiry yr bellow dsro is r arose: a It you need make mbwnb*k a description of the hem yW are tneae b d. You do not Mw to Pay any anaau in Question owe we are kaveatlg h, t VMu re aid ewostad to Pay me P.ro of Yom 6bllaot Aut am nd M quad 1VIab Ma doata ya+ W_11M strut .Put V_ V- - oar aloe Sg actbn to dzaeet 1M t,t special RAS For Credt Card ftcliara If yeti haw a psehiaa with AM gusty of PMPOKY a servlor Asa you vrith a cr*M cad ad you Isro tried H Wad b comcl tits preplan withds meMwn, you may howl the cant not to pry dot na-A ng aaanv AMaee prapsrty or pdos Ys how tft 160.00 and fM taRe W0 roads In ya+home sae a 100 attar ayour yMm We trille alld you 0f vx over a are m, a If if wa ed You Aae qwadvara Aae r=p7.-:-. are oo a xwrod fed loratlon of ptrchervior,a pta3tesea .l Please rartanrbar to etas as correspondence. t Does not apply to coasmrrer non-emdff eW seoaets : Does rose apply to aaa(ass mn-credf sou sweets C Ono stppono in{-matbn privacy Proteaiae see oa ywyabalt at wow. rac?asnM.rod cagitoi one Or ;== i. AN dam renrwd. a 2003 ranitr One 01LOLBAK frgertra Flodoa PaVnents you ma to w vM be cro~ to yw accwd as of to I a- I ,r day we roarive If provided (1) you sent fits be= portion of Ace ataOMlMM and YOM dteck le dr atalaed. mkw os -rmlw- and 12) yen pram M rsedwd in om Cmo.n q cwda by 3 p.m. ET (t f croon PT). Please -lbw n ieaa five (6) w*vm days for pond tlaawry. Pis jot a I woolved by w at try *am location or ipnrpray otltyaabrprt ymRlapYam, n bs enyadubd rdtM day v medwtwn. Gus Makwm daysankiatday Arafat samada. aoAtdng fwMys. account 1- tM o? Aro OMck. ?71is aWwdxatlon appiiwtoad cM M Iraoavad duhq tMGM&pck . Own If cart by eameone also. Ii. cannot Proosse tla transfer, yet audcdze w to make a charge against yew beat soxtant uskq ft clock a Pape draft of artier kern. 053 Capli MOW I what's in your wallet?' it could happen to anyone. Make sure you pay the amount KAREN HARBOLD due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS ? do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ® 2006 Capital One Seruicer, Inc. Capital One as a feder dly registered sm ke mark. AV rights twerved 053.08106 Capifalo• Account S Previous Balance $3,163.87 Payments, Credits and Adjustments $.00 Transactions $39.00 Finance Charges $58.43 New Balance $3,261.30 Minimum Amount Due $191.00 Payment Due Date October 19, 2006 PLATINUM MASTERCARD ACCOUNT AUG 20 - SEP 19, 2006 5178-0520-7703-5141 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment, please accept our thanks. Transactions 1 19 SEP CAPITAL ONE MONTHLY MEMBER FEE $4.00 2 19 SEP PAST DUE FEE 35.00 Total Credit Line $3,500 Your account is one payment behind. Remember that making your mini uum payments by the due date, keeps Total Available Credit $238.70 your account in good standing. When you miss a payment, late fees start adding up. And nobody wants that. Credit Line for Cash $3,500 So make sure you send in the minimum amount due on your statement to keep your account in good standing Available Credit for Cash $238.70 and to keep from paying extras fees. Atyourservice T. e.11 Co.- nRelation or w V d a lot or rtolen card: 1-800-955-7070 Sand pryaenb to: Smd iagmia to: Attn: Remitssnee Proeeaittg Capital One, F.S.B. Capital Oae P.O. Boa 70M P.O. Bax 30285 Charlotte, NC 28272-0889 SLC, ITT 84130-0285 Important Account Information Beginning October 1st, 2006, based on your account activity ycu may be awaited more than two late, overlimit, or returned chak fees that occur du nq any billing period. NOTICE: Look for a new statement design for your Capital Oat credit card beginning next month A summary of the key changes will be provided with your new statement. You were assessed a past due fee of $35.00 on 09/19/2006 because your minimum payment was not received by the due date of 09/19/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Pkarem reams tide for nnfortant rnfmsatwx A.&en scar m Per el r Canpar?r ?l yepfirdA, R ri.tr AP PURCHASES $1,715.41 .05904%D 2159% $31.40 CASH $1,476.76 .0590M%D 2159% $27.03 ANNUAL PERCENTAGE RATE applied this period 2155% V PLEASE RETURN PORTION BELOW WITH PAYMENT C.-Phwcw 0000000 7 5178052077035141 19 3261300100000191000 New Balance $3,261.30 Minimum Amount Due $191.00 Payment Due Date October 19, 2006 Total enclosed $ Amount Number. S178-052(-7703-5141 PLaapnarnmi&j.Ab--4/orr-sell Amster A:keoaxue`Nra o Mk k street Apt w ar Sure ZIP Home Phone Alwam Ph- a E.AaAdd- #9026342891197326# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 70885 Itlulltlrlltlrrnltll m 4529 ROLO CT O1 Charlotte, NC 28272-0885 MECHANICSBURG PA 17055-5889 c InLILtlettLllnJttLIILnIrtLLtLrItltlrrlrtLl„I,I,I ? LnIllttrllhtttLlttlJtrltltLdJrtlJtLrttltlLlrtrtrlll Pleats rwrteyow auoant number oa yarv r1,a,E or monry order made fayabk to Capital Ors, F.S.B. and mail is the tarlamd eaadopc r a? a? g O ta. Qar Pited.You nM haw -a mkindan grace Period of 26 days Nilh" finance dr!pa m new P irdraa, mw belrm earn, row ,pedal "crass tahotozron rdrrN m yowu kph a1y M yoYur rpmontael n ' Baum raw Notice for; rya otlr« bd-, and In time for it m be ==l=f: mmmau . There N .k. std apedel trrrfen. h aMth., them N ro q. pad d ea ary 7-ikn If You do not pay the reel Ile" b. Aewuhq (mire Otape. Trarwetlar which am not "i+lerx m a gram Pwbd an oare=d Tatra dupe 1) hen tlr dam of thr trwo to Yar vow « 2) Fran the dam e traro,alah N Ah>mtat or 31 ft. the AddrNr 1 Met shier dW of dr aatwx bigirhp oerb0 A Y, u=b dd rot pa V do th 'INw Berra fiwn e prewar seem your alance = = rOald 6Yroe b pole N m ftill. TTi mess that V. mry i1M owe lkwne drlpa, even if you Z dr adro New Balwm kdmmd w the fmnt of your "sore lry the rru wamrrherd doakV dam. but as rot m w for tlr ppmpgMaaar mad. urpeld 6hrhm dips e. MMiiradiu m the irwaa?c?kewdtpe. F« adh eNWq w dm ftcv? b.m ., Aama. t moral RNNNCEdhCa1r1m47aKiaEu?offru$:0.60 will eWpp?illntnpatl Id. It the from do total ft- .i.k III 011d R f tiler 1M $0.60 w ivM plat a111 blWq cavarod by tlia statanemt we the Ifx ea of each+psag arw eap1 day, . mdpdaYemryan to n this watamwd nntt I EManca Wm AppNd T? w of "!amok eery upald finit=e chaps kwkW d In the belan of each a=.) This gnrea w the day balance of au sepp?sd. Ttwn "M by up aq? espy 6Y t U;W sac for the d rombw of days h teo pbWMagd NTNdea gives os the average dMy b,lwhm of ,epnem. 3. Anwel rvrewraya Rake fAPR4 a. TM Osrrrh 'A from Po st Rata' may appear a APR' ea to front of t IN. Wa,mwneat. b. If tba code P IPontd, l 13+no. LIBOR), C ICertilkrm of this wnwd next to On pwlodc?mteW, the :sp=ec rata and owre?pdrp ANNUAL PERCENTAG RATES maL-1 quenedy aM may koroae w dewane based on d hd.., a fouo h TM Wia Sveet Jawul pea the actin preN«rIY dwJoad to You Tbaea vB ba eMaedw m Me Lw ay of ya« bging Paaoa cawred W Yea P.: .btwnwN "crap N Me macs 17,A p JJy 111. c. If the code D (Pd mr 11 aw. LIBOR) w O (3-mo. LIBOR Reprimd MEar on the hom of ywr sat"i"n next m e osrbdlc rims wry?may I.. dew mAAba?ad m yar ==R:-== dosed For " H You merdhwd rt lee" the trrracdon from do =:=;b.- 1 accout has been dosed, y- n the amwa of tlr drags::wll be added to your a rd ypourt wM bs m=l f« psymrs. Ifthen rlwrMeNhb it for wur soa"ad. tfo fr wM u m . m ea m tm etdrd 1Nr oydrw, umabove. aenu ad tw been or ram 7.Urrs Yw Aerod.Yaa card « acceun rarhtrt be merlin merctlon wkh airy barrack g"riWq awrsod- S. NafM Ak"d MaYarhY Ch.* Cvwwakn. Whea Yota uinbmrtlm hmiaYOrr dr J?m make a arrtlms m akobaniehsfinpad trwufer from Your bWc soars «m Whm we ue irrfomrtldr hom Ywr l.-k m el ectrode find trattafs , fishes mry ba Mdrwth hom Your bank acwm a son r th a =ono dsy we reoNw ypr psynh"d, and you w11 brat recd" y- dick beck from yar Mandel kutlurtiah. BILLING RK*4TS SUMMARY Ih Care Of Enos Or Ou ndarr Mae You SIR If yeu dmiu Yaua bYl is vwadhp, « It yu nod more Inbrmatlah m a vamadlan « bR, steel to u on a arParare ,bast as trom a portla n tba addrea f« kdFlria •toheh ea Me 1mm d *h ataaraartt. W. rout haar tan you ro lams tlhr 00 days afNr we .am you dr 1mt bM m vulidh the anon « apparod You an ==11=1 1ilaol0101 ar Reladar ra/rlkaf. kla =-.= and aoaaad marhw, to ddlar anicin of to atepwW enor, a domedpdon of the enor and n wpirogan, Ii poW6N, MWry you or if befbve thereofis an an error; you need rates kdottnatlon, a'- to =g- .=-=Y- do rot bast m p.y v1MlInwW9.j It, but you ere .0 Gbilor»d m Pay the puts of yarthat are not In grati=n, we yes we asst=( rope( yes M daingrwm or tsks my a m rnMct the amwd You qutatim. Spinal Rule For Crept Cate Kid. If You have ayou p ptuMlem wIM the apWNy of prepaty a hasells that urdwad algt a crack ud and Yes have ruled h good fahh m a=ster( the prablan vMh Me Y the aHnq nrotdtatt, you sty Iheee rho riytt =y amam era m the prosily « osou bast tNe protection.00 andstheDu vwe reide i Ny w lakaadraprduo p k"nwur bans wo moro Man $60 w.. « Wain 100 miles of Votw n V eddie=s. 0f we thvn « opturota the dnerduadd, or if we nulled You dhe autYwlNrnatt for the paopf vi a swells, a Purdheor are covered ropaMer M "st=ud « bGatlorh of Purchase.) flue rerhtarhhher to aigt ell oorraraparhdata. t Dose not Apply to coca- non-cr&W car! eccowus i Does of Apply to audross nwrc -* cad ac-M, C tat Om appall infor adwh privacy protection: ao w e at www. nDdaetn. Onp.1=1`C«poratliom AR ri"p. daoMw dwwdark of Oa- • 2003 Capl.l One 01Llll8AK hiilsd m tro peers aepmm of amwu. t d Tespaay R=dtdetlarh kt Aire harp" We roans the stated wao" a farad h The wr Strew JaaeaG P? the mwyn prmioWy 6Waasd to You Thee dhrhpea uqd m not wiser why or all Morce dwpa for aW gh- vM wan to AM day of Wur bYlkhp pwbd 2. Avwyeq DaM NYwre 1Yihp Nov Potluaeal. itl l M d dW 4. Aarr1rd of Lam, OvwUi d gkenWl PWarrrL Fw. r dM be areoaed m moro dwh two of tM ka secaa Y p Y p o y a. Rnwm CM N ealaiotM by na balwhm M aoM ae{/rero of yar aceaad (e.g., uelt aw u meted hem that Dope durkq wry hWar pMOe. Under the t OWN sp sdyrm, Pure=es, eed =6=;=Z= M tlr oaneepweY diy p d k agreenure yro rasww the dglht to Your wales « rot m area= arty teo w?tlrut wl« notlgugm m eases do servo or eager a o to - u q m Ymu At the and of each dsy the bWhp We apply Ube dam Fable rws for awl f h k l M of W-. ! o« at aIw. pro. tee If a rrhambsheli Ya w Aaroud 6 eac e anc?e o aawd m tlr reWlad. Tien et Me end of the psrNd, we add up p . . sppan on the from of ststam you haw 30 Ms ro"rir of err dilly dloladau m east at yar sdd ? Nr ley tmm the d=m thin stateroom was a malted cracked you to myu m ~ a aprhwd to wdwdha mW W imm s,ch DugnO Ws PwNd. yu l Vour aoooud If yu r fiwhm dtwge far Your ewaat. To get the dMy betenee canker to uao ya« acuud vntirut bavhg to DaY iba for each =epnwa of Yar aGmrar, we take tlr bepkahYhp maribeahip .e. To 0 Yaar accom, you mum balarm tar sedh aepnerd std Wd rrfWy new trrraetiar Id why lrrnae drys ulaleted m tihe pre Nata = rrsfy w by eellkup ar Cwtaor Reladar Dapartmem and pay New BMarne' h itN IwrauNrhp the . We tlrn "btmct ary d=Yre for that - YNrama a seem :owed ea of tlrt day that am agoumd meNe) Poi m the and of Me tNrty-deY pee=d. A If You = Yw Award. You un reghem to doo m des eephwm. Tlie eves u the minim daily bdwm ld the Fl if f Yyoouurr s=cent M caNaq our Curtaner Relatlam Yes amt destro aud seed( cad(,) and 0e artmem you pe ouseer, yo« adoaad. for each asprhau o New Balwm elrwh M yes pm`Apr wamrord in 1V (a p . y Y aeeam scmr deck,, cancel all pautherized tlllbp, If Yea row bakroe weezem «a acct wrren0, mw del s Z=.. aYq your ent. If you do not cancel we will umidsr anaagemaua bW =es «sPe tranaandr:=P.: yar Pus :sabre 1 e ,deed m tike rily 6eilwhms. We dail d th d l b l b ? , q your rxelPt oAdf a Wager audrdzadmMlm reopend=eed oor aeeotan v not be dtiauf aeeaan y e il y e rtos ulelaro ate avers:, y a V balartca, together are! dIN6q the ",n by thr amber o} y, P . uhW Yov WY ail arrrmta You owo w khdudNhtr any the day h t". cunrht bMhg oyde. To Baia. your total trarraetiata you lust autiorizad, lkharee Wrpo, pat 6rm =hips, Your average tidy balrhm by tho due fee, owrihat isa, rrlurrod psydmm Issas, ash dally podoAc rwe" rd y the nastier of deye in 1M blV Oethod We m raudnp on a dally baN, (fire1 Y bs a advance ma std odor Na eas=ed to you (to=e rnaad= vArther aawuan. You am roapar/tle for dit vadrra hatv+een this r:alua4tlon and the wnouu of they appar on Yes aeuuan t tba Ma Vyaauu squat to iem to aro k-d at6ae a the d th :to dtsrm afAal/y arsred. b. ode Y «N spin m fu from of tN, saamma t g y os e a y«v agues(m dos tM accent. Tfia may rowit In roe .'Beli=e hells p??oyad To: we readpty dhe ........ h..r...,,. ,.y:.N. ?,...,.v tw - -Wv drips ppeahYq m your aaant afar you bast --- ---' ate txant m be deed or the reeoerilr of bT 01 PtoNMd 11) ym sad iM bottan P=itied of this stammak add yar dick Yrpwtrtt :idea: Payntwa you mall m w wM bapc?reated m your aomun as of tlo bukres day rw meelw h h dr erelos=0 dealttam anvdaps and n kt b remlwd h ar adoceakat Dams ky 3 p.m. noon Pn. Pbar ,lbw at Nat fw (6) butkrr day for pwtel aNwry Payttraa reodved by w at any (fitter 12) !==span yo« in sty Mir (Dora may rapt bs cnAtW_ a of gr des we st=ew Mwn. 0. buiwr bay m Malay Mmu?t 8skNay. wadrRril hAday.. Rase ao rat has mapea pegs ??pa est. who peps your M Yihat you sad r . drdcW you aArdze w m make . ene•tkm Nead«ic vwrM debh hom yes Irwhk s=c=ud 1st [ba ampun 9r mock. tills audrdzadmaplpms w al drelr reodwd dudkq the bWq cycle Awn if am by sansei aks. If we basse=t Procer tM trwrNr, yes audadze w to make a W pe agdmt you balk arrant uakq the dhwk a paper Bait a oMw kwn. First 3 months half-price Ole 4 97 • month; SB957mo. therealMr• SIGN UP TODAYI 1-877-7784207 Mention Offer Code: AMBER or visit www.peoplepc.corr/go/amber peoplepicis online u A better way to Internet. PeoplePC Online offers the features you would act from higher-priced Internet Service Providers at half-price for the first 3 months! B Email Virus Protection ® Pop-Up BlockerTM ?? Spam Controls Smart Dialer Phisher Security ?r Internet Call Waiting FINANCE Previous Balance Payments 3 Credits CHARGE Transactions New Balance Minimum Payment Due Data $3,261.30 - $494.00 + $57.53 + $204.00 = $3,028.83 $90.00 Nov. 19, 2006 Sep. 20, 2006 - Oct. 19, 2006 Page 1 of 1 .?C?. PLM PAY AT LEAST THS AMOUNT "Important Notice" Your account was past due. Under the terms we previously disclosed to you, it your account MasterCard Platinum Account is past due again in the next 12 billing cycles, your Annual Percentage Rates (APRs) may increase. 517&4520.77113.5141 Your Account Information TOTAL CREDIT LINE $3.500.00 TOTAL AVAILABLE CREDIT $471.17 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $471.17 Finance Charges (Please see reverse for important infarrtlatbn) Bad a to rate R tet Periodic Comesoorlding CHARGE Purchases $1,770.60 0.05904% D 21.55% $31.36 Cash $1,477.34 0.05904% D 21.55% $26.17 ANNUAL PERCENTAGE RATE applied this period: 21.55% ® At Your Service 1.8*903.3637 To tar Cue om Relations a b report a bat a stolen card 0 Send payments to: Capital One, F.S.B -P.O. Box 70665 - Charlotte, NC 28272-M A Sand inquiries to: Capital One • P.O. Box 30285 • Salt Lake Cry. UT 84130-0285 Payments, Credits 6 Adjustments 1 22 SEP PAYMENT $94.00- 2 18 OCT PAYMENT $400.00- Transactions 3 09 OCT AVON 8884332153 FL $200.00 4 19 OCT CAPITAL ONE MONTHLY MEMBER FEE $4.00 6056 506 1 7 19 061019 PAGE 1 of 1 COLR233A OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3028830400000090009 ?" I what's in your wallet?* Account Number: 5178-0520-7703-5141 New Balance Minimum Payment Due Date C$3,028.83 $90.00 Nov. 19, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One, F.S.B ILIIuIInsIrIuIIr P.O. Box 70865 Charlotta+ NC 28272-0885 Please print address or phone number changes below using blue or black ink. Address Home Phone Ahemate Phone E-mail address @ 09029342&911973230 NAIL It NUMBER KAREN HARBOL) 4529 ROLO CT MECHANICSBURG, PA 17055-5&89 Please write your account number on your check or money order made payable to Capital One, F.5.6 and mail with this coupon in the enclosed envelope. peoplepc® online u A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODW. 1-877-7784207 Mention Offer Code: AMBER or visit www.peophapc.cornfgotarnber PeoplePC is solely responsible for this offer; and is not affiliated with Capital One. Capital One does not pwide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity All rights reserved. By responding to the offer you may be communicating information about yourself to the compary that provides this product - for example, that you are a Capital One customer 'PwplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter Offer available to now dial-up subscribers at least 18 years of age and may rat be redeemed with arty offer offer Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call tot flee at 1-817-778-1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply Tasphone toll charges may apply even during trial periods. )bu are responsible for delerrnining whether a cal to one of our access numbers will result in telephone toll charges. Access may be Imited, especially during tines of peak usage. Di6up numbers may be changed at PedpsPCS discretion. Continuous use subject to timeout procedures. NI use is subject to PeoplePC Online4 Services Agreement and Acceptable Use Poliq 56K is the maximum speed of service; actual speed may vary 0 2006 PeoplePC Inc. At Rights )deserved. PecplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital Ones a federally registered service mark All rights reserved. 1. How to Avoid a Finance Chrpa. t e. Grace period, you we haw a minimum grace period of 25 days wenohrt frnatwe charge m maw purchases, new balance tranWn, rherv special Purchases and new other warp., if you Pay your bW'Naw Balance', In aoordan wah to Important HoWa for payments b bK and In Ins for it to be aedlsd by your non statement closing dam. There is no pace Period W cash advanrea and spacial trenefes. In addeon, Irwin b no gram period on arty trarnedinn if you do not Pay the trial -Naw bNenoe.' It. Accruing Finance Charlie. TrMaa Lions which an not subted to a grace period are from on aide of ae beneRMloh?a 2) from ed Anart. the date 1) a benedirh is pnclraad In your Amount or 3) Iran the fist cWndw day d led wino" billing puled. AdtMaanaly If you dot re. ray do 'Now Balance" ham Me prevbua billing Period in N. fitarhm charges COO W b aeons b your unpaid balance until the unpaid bean is paid in his. This mere thin you may sei over, Mance charges. even If you pay the entire Now Balance Indicated do the fax of yaw sfrement by the next statement dosing date, bid did not do m for tlo revenue modit Unpaid firsess, chrges era added to the applicable segment of your ACOtant. t c. Minncen fgnrhee Charq. Fa each brig prod that your account b subject In a amen charge, a mindmurn toll FINANCE CHARGE of 50.50 will be imposed. t d. Temporary Reduction In Fiance Charge. We reserve the right b not atom any or of omen charges for any given basing pwW. 2. Average Daily Batsnea (ndrdng Nevi Pwchlass). Finance large is rawdated by neeplyng the dilly betanca of each segment of your account (a.g., cash advance, purchase, spatial n to win. and Spe ial Purchase) by the carapadaW dairy peredo rots(.) the has been Previously dadooW to you. At the and of each day during the being period, we apply the dairy periodic rare fo each segnem of your soccount to am daily bdrce of each segment. Than at tlo rd of ee bi lg p.W. we add up the results of these daily mladalom to arrive at your periodic hence charge for each segm ern. cos add up the resift from each eegmers to arrive at the led pwkxk Is0 change for your aomuri. To get Ice daily balance for each segment of your eocusn, w eke the begewg bdence for each merit and ash try new tram sdarm aed any Pwxdic f eens, charge cnlaMered on the previous deft balance for to mprm. V1n own subsea any payments or credits Posed as of OW day that are eW."d ta that segment. This gives a tlo separate dairy bWnae for tech sagre rt of your account. However, r you paid the Now Balance Show on e, which pmt to 4amsc t pa a credit amount)` i inner l (a za you puchase a special purchase sop ments are not added to the daily between. ft ca1aMW the average daily balance by addkg al the dairy beans together and dMdng the sum by the number of the days In the current bung cycle. To calculate your toed finance large, multiply your average dolly baiseca by the daily periodic rate and by the number of days in tho W ft Prbd. Due b fanNng onA a ern mbook or ay ba dauve= to minimum amince, between INS ca adaaat e an alhea dhrg amount ot s aobWy msaaeed. 3. Annual Percentage Raid (APR). a. The Win 'Annual Percentage R&W my appear es 'APR' on tlo from of Wa statement. b. a to code P (Guarterty PMhe), L (Ouarlrly LIBOR). C [emad need so the periodic roe( ps the ICcet of aaa eby C on rebs and mrrooponncin g ANNUAL PERCENTAGE RATES may very qurtrlyand may I-- or daaecea bard o the stand indices. as faced In The Wall Street Journal, Pit- the margin previously disclosed to you. Thee d-" cog be arective on fn Ist day Of your bNhg pelod overed by your periodic treatment ending in to monMt or Jamey, Apra. July and October. a If the cede D (Monthly Prim). F (Monthly LIBOR), or O (Treasury LIBOR) opposes on the front of your stateroom next to to periodic ale(s), she periodic raise and correspoMng ANNUAL PERCENTAGE RATES may vary monthly and may Increase or decrease based on the slated indices, u found in Th. Was Street Journal, Plus the margin previously disclosed to you. Then dirges will be affective on the art day of your bekp period each month. 4. Assessment of Lars. Overtime end Returned Payment Fees. Under the lima of your customer egrawwrt. w reserve free right to valve or no to ""M any fees waken prirnotlamlorh W you offer=' g ourrightto ssnssthe, aameasirWrfase eta Wertima. t S. Renewing Yaw Account. 0 a mombr" M epPees m the fad of yaw Wtament. you have 30 days from to dine rite MMement sea nulled to you to avoid paying the Ito or In have such fee credited to you if you came, your scocunt witaul having to pay the membership fail. To once( yaw acorn, you must notify us by calling our Customer Relation Department and Pay Your 'New Balance' n full (excluding the membership feel Prior to the and of ae thity-dry Period. a. N You Clore Your Account You con request to doe your acorn by mDrq our Ccetame "atlom Dpamnen. You must destroy your r@& cad(s) and eomwd accam dads, cereal al Area dho mil being and clan using your amount. AI1w yaw estro" to dean, r you ontlnee to Ireland a do at cancel rosWndzed bong arrangements, w sea render receipt of a dogs your aatherhadon to keep your account open. Additionally, your, amount win not be dosed until you pay as counts you ows us including: eery traneetHonhs you have sWwb ed, fiance charges, pest due fees, oveamit face, reared payment tai, rash edven for and any dherfaes --W to your account. You ere nrpew6k for rise er to whetnrany q"w on your acwun at the area you regt" to do" the account or they are incurred subsequent to your request to doe fa aunt. This may rent In drrgr sppaaeg on your account after you have requited the account to be dosed. 7. Using Yam Acclimate. Your card or accoun cannot be used in connection with any Internet gambling aainactions. B. Notice About ElaNonk: Clrek Convarstam When you provide a check an Ooymant. you rdhorize us ester to use information teem your check to male a a*ame electronic sad transfer from your bents seem" or to process the payment as a check transaction. When we use adamalbn from your charic In male an semohio area transfer, funds may be setdrram fan your bank account as seen as the same day we salve your psynae, and you we not receive yaw check hack fan your hraneW Institution. BILLING RIGHTS SUMMARY on Car of Emws or Question about Your Be) If you think Vote bill Is wrong, or E you nod more Infer nelson on ¦ transaction or bill, wins to a an a separate shad M soon an )aasWe at tlo addrps for inquiries shown on the from of this statement We mat hear from you no WW tan 00 dM snor we hero you the firm bull m which Me erro a problem appeared. You con cell our Cust:L Raatlms nil bsw but doing so win not preserves your rights. In your letter, give ua On folowng information: your renew and aoeoum number, the dollar anent of the suspected error a description of the smor and an axplraton, If potable, of why you believe tun is an amr; or if you reed non nfomracn, a derxsplion of the ism you en unsure about, You do not have to pay lay amount in question while we an nvestgsW+g it. but you we one obligated to pay the parts of your bin that are not in question. What we kwatgW your question, we car not report you as delinquent or aka any action to cdact t ha amount you question. k, t Special Rule for Credll Card Pmts I you have a problem with the gnrey of property or serviose that you purchesed with a credit card and you have triad n good faith to cared the problem with fa mordwt, you may have the right not to lay tlo ranainng amount due on tlo property or services. You have We protection only when am purchase rice cos man than {50.00 and fa purchase was made In your home stay or MWn 100 mhos of your me" address. (If we own or peas is merchan4 or t w mused you the advertisement for the property or services, all purchases are covered rayardlesel of amount or tocation of purchase.) Planes remember to sign all t Dora not apply to conaraner non?cndl card eccorata i Doe; not apphy go business non.aedt card accounts Captol One supports information privacy protection: me our ..berets at yp. Cartel One Is a federally regatsred service mane of Caper Oa Financial Corporation. AN it" reserved. O 2005 Capitol One frnPartant Nalkw Paymne You moss e M he cledisd b yar axhsardlrso lta r ot tlo d (2)y) Your dry AP rensm Is it Is rewired in all processing yprocessing awn la teem palolh d tlar aarnnlwd you trot b tlo wtdaN entsisq rd Raeg onnr by 3 pin. ET (12mare FT). Plre sloe st bla fn (S) tax lmu drys for pmW delwy. Peymwar mocked by we r pry ofw btatlsl win aw dxwbm nay rot becredisd r of tie dsym no" Dwm OWbAMm hys wMadey d=* SWW*. WAdig thaWys Pbrederotwslpr,picardss,eb.When phpr, yin psyhraa wan We swd e e dress), you adhale e to mere a merftn Wwfcek aaref rdebit fees your tart atom to ft metal dfndo& This sulaltlM apples to N dneda nareLad along in big cydeernlsentbyawmeweebetiescawpr labwaM yamrlwbawbmoteodwgompMtymbraarmlmtsagfur shad; a pepardmf aa9arkem. 500006 Caplta one- what's in your wallet?' it could happen to anyone. Make sure you pay the amount KAREN HARBOLD due on your statement as soon as possible. Keeping your credit in good standing can FWH43QPS do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES Vou're b• e BETTER INTEREST RATES (good credit could mean lower interest rates) • s ' IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ® 2006 Capita! One Services, Inc. Capital One is a federally regstterrd service mark. All rights reserved 500008-06503 FINANCE Previous Balance Payments 6 Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,028.83 - $0.00 + $57.77 + $39.00 = $3,125.60 $18 X00 Dec. 19, 2006 Oct. 20, 2006 - Nov. 20, 2006 Page 1 of 1 ntASE ev AT oasr ins atxauur Your account is one payment behind. Remember that making your minimum payments by the due date keeps MasterCard Platinum Account your account in good standing. Further missed payments may be reported to the national credit bureaus. So 51784520.77035141 make sure you send in the minimum amount due to keep your account in good standing. Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $374.40 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $374.40 Finance Charges (Please see reverse for important on Balance to Perate APR mg CHHAARRGGE Purchases $1,555.19 0.05904% D 21.55% $29.38 Cash $1,502.73 0.05904% D 21.55% $28.39 ANNUAL PERCENTAGE RATE applied this period: 21.55% ® At Your Service 1-804803.3637 To cat Customer RAW= or to capon a lost or stolen card: ® Send paymerds to: Caporal One, F.S.B - P.O. Box 70885 • Charlotte, NC 26272.0885 A Send inquiries to: Capital Ore • P.O. Box 30285 • Salt Lake City, UT 54130.0285 Payments Credits 8 Adlustments Transactions 1 20 NOV PAST DUE FEE $35.00 2 20 NOV CAPITAL ONE MONTHLY MEMBER FEE $4.00 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 Blow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 7 19 061120 PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3125600400000183006 ?" I what's in your wallet?* Account Number: 5178-0520-7703-5141 New Balance Minimum Payment Due Date $3,125.60 C$183.00 Dec. 19, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital one, r.S.B rlulullulrlu.llr P.o. so. 7Daas Charlotte. NC 21272-0665 I..Jill..L..I'll ..drrl,Il 1111111111111111111114 111111111111111 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address P e1032542611117323e MAIL ID NUMBER KAREN HARBOLD 4521 ROLO CT MECHANICSBUR6, PA 17055-5661 Ir.rllLrrllLrrrlrlrrLL.LLIerLLrLl.l.r..l.lld.rrr. Please write your account number on your check or money order made payable to Capital One, F.S.B and mail with this coupon in the enclosed envelope. t. Hour to Avoid a Pinson Charge. to. Gran Period. You wN have a minimum grace period of 25 days d1Wt Samoa durye on new purdusees, new balance errNrs, new special purchases ast new other charges I you pay your bin "New BWnos", in accostsece oust to Important Notice For payments bake. and In time 1st list, be redbd by your rest allotment closing doe. There is no prom period on cash advances adepWallim fes.Meddltnn,thralenogrataprod m my transaction it you do not pay the total "New balance." b. Accruing Fhtemn Charge. Transactions ~ we not abjaa b a grace period ant arraad finance charge 11 ErnM data of the m nsoclon or 2) from the data the turseram is ownsnd to your Account or 3) Isom the feral Crowder dry of ft wratt Idling Peiod. Addtlrdy. If you rid not pay tht Ohm Bamca' from the previous hRhg period in Ad, finance pbarges ownmue m soma to your unpaid Wa rtes until pal unpaid balance is paid in full. This moist that you way still owe franca changes, even It you pry des entlnt New BsSmrice Mlcerd en the hex of your summand by the nerd slalarrrrn cosine dace. but dM not do so for the pmious month. Unpaid Ilnrxa charges se added to the appNCabla segment of your Account. t c. Minimum FYUnos Chhange. For each Willing period dal your account is subject to a bore chortle, a minkrwn total FINANCE CHARGE of 50.50 wR be imposed. t d. Temporary Reduction In Flnanse Charge. We reserve the right to not allow my or as finance chagM for any given billing period. 2. Avenge Daily Balance (Including New Punthmm{ Fierce charge is cakaiated by multiplying ft daily balance of each segment of yaw account (e.g., cash sdvarnc% punchom, special drum, and special purchase) bite mmppomdtrp day poriodc rhea(s) that has been previously disclosed to you. At the and of each ay during the billing period, we apply ib daily periodic rate for each segment of you account to the sly balance of each sagmers. Than at the aid of the billing period, tee add up 0. ntMlc of gwo doily Woulado s to mile at yow periodic hn race charge for each segued. We add up the noun from each segment to arrive id the total periodic A mhce charge for your acrrmL Tb gat the do/y belarhce for each segssmc your apadlnt. w lake lst bepimbg bottom for each segment and add my rhra treradions and any periodic bernes rdllrgs cakaAYed on the previous days bNmce for de segrmx. VU bon subtract my payments or credits P? ? Vast day that mo aftoded . day balen ror ? sesti of i account. Hn ave. If you paid the New Balance shown m your previous aalerrhent N fin (a I you new balance was zoo or ¦ wwdo mead), ore inummodons. whkA poet to your purchase or so*" purAaa segments ant nail added to the daily balances, this calculate the average army balenre by addling at the daily balmem together rst dividing the sum by the rh.nb r of the days in the current billing cycle. To calculate your feral Anance charge. mutiply you overage doily bslmae byte day Psnaft nm and by the cumber of days b the bang period. Due to fmndkV on a daily basis or due to miniature finance cargo neeaenheet, there may be a variance batvwan this eNwlailm rd the antaum of finrin carpe actually assessed. 3. Annual Prdnlpa Rata (AM. a. The mm'Armed Percentage Rate" may appear as •APR• on list from at this &%MmenL It. If the code P (Ourmy fi bar L PUS" LIBOR), C (Quarterly oft "Moment Z or mod to the perPrime) appears iodic rawrt), the periodic front the rates and wrroepriArq ANNUAL PERCENTAGE RATES may very gwrtarly and may Increase, or derere based on list sired Maur, o bud in The Wed Street Journal. pAts the margin peaviously discoed b you. Then chartists will be alNCiw an list M dry of you bang period tweed by you porindo statement ending In But months of Ja to ry, April. July test October. c I the code D (Manthy Prime). F (Monthly LIBOR), a 0 (ness sty LIBOR) appears on be tom of your atatement rod to the Periodio row(s), the prlodb fain and comrpordep ANNUAL PERCENTAGE RATES may vary rnwdxy and may increase rd-amor based on the stated indlou, as fond In The Wall Stash Journal, pus iha margin previously disclosed to you. Them chmgm will be effective on the find day of your bftV period own math. {. Assts ssun t of Liu. Overland and Rentnhed Pft old Fan. Under the cams of your customer agreement, we reserve the right io w" at not to smoss my teal vithod prior no "don to you wtlhouiwahkq ourdght to assess the same r simtrfees at a hear lime. t S. Rruwint YwAo-ud. I e membership fee mppetes on the ham of your aatenteri, you have 30 daysfrmn the dab this sediment eves moiled to you b avoid paying tlhe in or to haw such tee credited to you it you cancel your account withau haft to pay the morrbrsidp he. To orrd your account, you -in notly us by calling w Customer Relations Department and pay your 'New Balme In full (excluding tin mounbersNp fee) prior to the and of M Wmyday psdod. S. If You Clan your Aceeui. You caw request to data you sowund by calling our Customer Relations DepaNhstrd. You must destroy, yyour arolkcad(s)and attest socer corks, carol al praot honed bRrhg and nose using your account. After your request to coo, N you continue to Vehetat or do not cancel praaWhorized billing arrangements. we ea corersteraaceipt of a charge your autlnnatlm to keep your account open. AAdiimdy, yon scceont yr etat be dosed until you pay all amours you ern w including: any he Matti ns you he" ahltlhdrized. Nhance dmgea, past due fen, ov~ ten, maned payment lass, cash advance fees and any other floes waned to you acm x* You ere resprable for time arrouris wlsttmthey appear on your axaAi at ft tms you rsqueat to does, alb account or they are owned subsequent to yon request to don the amount. This may malt in dstrgo appearing on your account after you have requested the amrnt to be dosed. F. Using Your Amount. Your card or aooouhK cannot be used in ccnrmcdon with may Internet gambling trngactlam. It. Notion About Eimdr mio Chwk Convention. When you provide a crock n paym mL you authorize us edher to use information from your check to make a onrdme aSmWrde fund Wr nsfr ken you bark account or to process the payment ate a chock: transaction. When we use hi m ilmi Intro you tact to make an electronic hand yntfr, funds may be Morro from your bank account as soon ss the tamer day vis receive your payment, and you will not recelvs your check back Inter n your lnautcal Institution. BILLING RIGHTS SUMMARY (In Case of Errors, or Questions about Your Bill) Iyou drink your bill Y Wong, or I you need more ukmerYon on ama ssrien rbilk, was to us an a separate sheer se soon as possible at the addw for inquiries shown on the front a(@* sWummC We must hew from you no later rim 60 days other wa sent you to SM bill on which the error or publitn appeared. You can cell ou Comma Relanns number, but doing so will not prnrw your rights. In your latter, give n M following information: your rsme and aunt number, the dollar amount of the suspected error, a description of the emor and an atgiansion, N passible, of why you believe Jerre Is an error; or if you ahead - Mmuer -, a desrhptmn of the lmn you ate unsuro about. You do nor have to pay my amount in question whlo vw ero nveaNgtdht h, but you are still obligated to pay the parts of your bill VW ate not In question. While eve nwsagau your question, ws crustal, rapes you as delinquent a take my action to coke[ the amount you question. t. T Special Rub for Credit Card Purchases I you have a problem with the quality at Property r services that you purchased with a as& card and you have hied or good Smith to cared the problem with is merchant, you bap have the right not to pay tier remaining arehotri due m the proprty a services. You haw Ws protection riywhon the purchase price vas more than $50.00 and the Purchase was meat In your hone Ideas or vAMIn 100 males or your malting address. Of we own or operate ter nernd*K or I we mallet you the advertisement for the property or services, ON Purchases w covered regardless of antrount or location of purchase.) Please remember to sign all t Does not R* I. crurner noncadN cards --ft t Don not apply to buslnoa nwn o-O t card accounts CapNal One supports imrmetion privacy prouQpn: we our wwbale at NdlblfJr>Ya. Caporal One IS s federally registered service mark of Capital Om Financial Corporation. Ai rights reserved. 62006 Capita One, anpataht No1W: Paynwas you mom o wa b mdW b ymmowri N el dw babas daymrw"k.pwiWW(I)youwWft prarsdnp miter batlom prelim d tlis aisismt and yohr cacti tls eistosad wnildsrir eriMopa (? faker Palms by3 pm. ET (12 Nan P TI. Pinealwabetfrnt(5) busktserdays twpawldalwy. Pepraorecom! Mu elsty errbras an my odor form may Wits walled Noble dry m weirs saw. Orbmle s drys mMwrlaythrough Ssesday, asodtp h A Pboadonolatenapln,papercWsic.Impr I '-ywrpaynad WlmymenduadndgslyouaWotrsNbminsansdrs natmbnnftderfrwmyourbatawouafwbam moftitchd.Tilemtwks%m Wp bddmbrsc*Wdu"dwberg cycleown1Ns,bymowseM.Iwcamelpasstlshrse,youadWnubmathadopi, I youbaitscantubgtie dock. a polar dal or other Inn. W pital o • I what's in your wallet? LET'S TALK - WE'RE HERE TO HELP 500009 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital OneO 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 wwwcapitalone.com. 02006 Capital One Services, Inc. Caporal One is a fedendly nginend service mark Ad rights reserved FINANCE Previous Balance Payments b Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,125.60 - $0.00 + $70.70 + $39.00 = $3,235.30 $280.00 Jan. 19, 2007 Nov. 21, 2006 - Dec. 19, 2006 Page 1 of 1 i MFASE PAY AT IUR TNn AMOUNT You're behind by two payments. Lets talk. If you're having financial difficulties and cant make your minimum MasterMaste payment - we want to help. Lets work together to find a solution that works best for you. Give us a call at rC Card Card Platinum Account 1.800.9553070. Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $264.70 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $284.70 Finance Charges (Plesse see reverse for important information) Balance rate Periodic Conesponding FINANCE applied to rate AAPPR CHARGE Purchases $1,627.01 0.07712% D 28.15% $38.39 Cash $1,533.92 0.07712% D 28.15% $34.31 ANNUAL PERCENTAGE RATE applied this period: 28.15% ® At Your Service 1.800-903.3637 To car Customer Rehrions or to report a lost or SUN card ® Send Payments to: Capital One, F.S.8 - P.O. Box 70865 • Charlotte, NC 28272-M A Send inquirbs to: Capital One - P.O. Box 30285 - Salt lake City, UT 84130-0285 Payments Credits 8 Adlustments Transactions 1 19 DEC PAST DUE FEE $35.00 2 19 DEC CAPITAL ONE MONTHLY MEMBER FEE $4.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was peat due twice in the peat 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive your mi nknnum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to you Non-IntroducOcry APR. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at bast 7 business days for your minimum payment to reach Capital One. 6056 506 1 7 19 061219 PAGE 1 of 1 OlEC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3235300400000280002 Qg38 i1Qrye' what's in your wanet7• Account Number: 5178-0520-7703-5141 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. $3,235.30 $280.00 Jan. 19, 2007 Address PLEASE PAY AT LEAST THIS AMOUNT Home Phone Alternate Phone E-mail address Amount Enclosed •9035442693197323# MAIL ID NUMBER KAREN HARBOLP 4529 ROLO CT Capital One, F.S.B MECHANICSBUR6, PA 17055-5669 P.o. Box LLJllrrrrrrlll'I"I LrJILrdlLrrrLlrrL6rLIJrnLLJdrlrrrrldlelrrrrrlll Charlotte. N!706526272-0665 I,rlrllnlurlrllrulrrlrlllralnhlnlulrlrlnlulrlulrlrl Please write your account number on your check or money order made payable to Capital One, F.S.8 and mail with this coupon in the enclosed envelope. KAREN HARBOLD 1. Nov to Avoid a Faence Charge. t e. Ghee Paled. you will have a minimum Wow period of 25 drys whims! Kann chrge on new purchases, new balance Senalae, near special purchases and new other nargu N you pry your btal'Naw seine', a accordance with tw Important Notice for payments bstow, and In tknm for eve be aedeed by yournod datemant iosimnp daft. There le no groan psdod on raeh advanrr and special trnoers. In addkbn, pare ace grace period on any transaction it you do not pay tiro total 'New bell.' b. Aeendng Finance Charge. Transactions ~ we not a6(ad to a gran period w assessed Mane dupe 1) lean he dale of tie translation or 2) from the data tiro transaction is processed to your Account or 3) from vie first calendar day of the currant bung period. Additionally, If you dtl not pay ft "New Balance awn the previous bakg period in full, Manes dwgas continue to sores to you unpaid bottom until the unpaid balance is paid in Mt. This moans that you may SO owe Mara charges, awn N you pay the Share Nov Beane adlrAted an the frets of your swimmers by the hind statamrd closing date, but tlM no do se fa this precious mm ft UnpaW Marne charges are added to its applicable segread of your Acownt. t c. sanlewm FIrwm MASS. For each b1Yg period that your a road is stblad to a faenca chrga, a minimum load FINANCE CHARGE of $0.50 VA be Imposed, t d. Tannpmrey Reduction M Farms Charge. We reserve the right to not aces arty or all finance charges for any gNen h111ng period. 2. Awrage Day Balance (Mckrdlp New Purchast Finance, charge is calculated by mdtlpying the daily balance of each sepnent of your manure (e.g.. cash advance, purchase. SpecW baser, and special prchau) by to corresponding day periodic rise(s) that has bean previously defined to you. At On and of each day during hire bang Period, we apply the daily periodic raw for each segment of your account to the daily balance of each sapnod. Than agar and of to Mhq period. we add up the results of tare daily CWDASons to arrive at your Periodic Menus purge for each Segment. We add up to issues nom each esg lent to rdw at he total peMde terns charge for YOM ..rL To gar the dally halsrhoe ficrawch Segment of your lecoarhL AS War to beginning belrroe fa each segment and ad any now, transactions and any periodic li mnce chaps adouaad an am Pervious days balance for that seg"Saw War tan abtad any payments or credits posted as of pet day that era elor ked ago segment. The groat tae am separate daily balance for each Segment of your account Hirew r. N you paid to Now Balance shown on your previous statement In fat (r N your nw balance area coo or e oredil amount), caw transactions, which pod to your purchase or spacial purchase ugmerds era cal added to the day belanoes. We rdddate he average dally balance by adding all the daily balances together arid dividing the sum by him number of His days in he current biting cyde. To calculate your total Mane dirge, multiply your --age daily balance by IN dolly periodic rte and by the number of drys In to billing paled. Due to rounding an o daily bur a due to minimum hones charge asessment. tlere may be a variance between tN& calculation and the amount el Mnrns dirge anrsy asaneed. 3. Ann" PWCOMMe Real (APR a. Th. term Woes! Praatage Rate' may appear -'APR- on the from at this slummed. b. N the con P (Quarterly Prdmro) L (Quarterly LIBORl, C (Quarterly CO), or S (Benlusud Prime) app- on the front of this statement nod to to perlodlc re1a(s), the periodic rates end comsepondrq ANNUAL PERCENTAGE RATES may wry qurlerly and my ihoreese or doormats based on the Stated indices. So found in TM wYil Street Journal, plus the margin prrrvioody disclosed to you. Thou do i gas will as eFaddt an the tnn day of yea blkg Period crated by your periodic mlement ending In the mantis of January, April, July and October. a If ON cede D (Mm" Prima), F (Manhly LIBOR), or G (Treutay LIBOR) appsem an the Sam of you slatamem card to de periodic roe(s), the psrioalc mass and corresponding ANNUAL PERCENTAGE RATES may vary morhhdy and nay incresso or decrease based an the stated Indian, u fund In The Wes Surat Journal, pan he margin pravbuy disclosed fo you. These changes will be ertecaw an the fired dy of your bthq period each month. t. AaseaamrM of Left, OvaMM and Roamed Payment Foss. Under the lams of your omlamr agreement, we reserve the right to wait or not to cease any fall w shout prior nalAUtlan to YOU wNhatx waMog W fight w arms the Sassasledterhasts Wrlime. t S. Ronswir s Vi urAccou t. N a membership furs appears an tic nom of your oatemem, you !eve 30 daysaom tta dale ft satement was reacted to you to avoid paying the fa or to have such be credited to you N you cancel your account without having to pay the membership fee. To Wool your anent, you mud nr dly as by calling am Ccet, mr Relations Depactrowt and pay your New, Bairns' in full (rrludag it member" fss) prior to the and of to thirty-day period. S. N You Close Your Account. You can request to does your amoud by calling our Crsbm Relation DepaMem. You must dSSaoy your credit ard(s)arid account rases citadel, ranch of presutlndzed telling and Dues using your account After yaw repro to dose, N you cenhwe to transact or do not cancel lreauhordysd bang fermga waft we will carsidrreceipt da doge yvaautladatlrn to keep yon account open. Additionally your -of will net be dosed and you pay oil amuurda you owe n including: my bansecdons you have s dcdzad, finance dsrges, post rue fees, overlimN ales, returned psya ant ales, rash advance fees and any ogee tees aeesesad I. your-rte. You are responsible far three rmwna Waster they upper on you account at to time you request to does the amount a they are acuned Subsequent to your request to does the ao:-S. This -y ,-g I. drapes appowg on your account after you haw requested the amoral to be dowd. 7. Wag liar Aaa l uN. Your card or aoaSmM cannot be used in connection with any Idernd gambling tremsections. 8. Notlca AISMA Elaetrenic Chuk Conversion Main you provde a dwmk as pymant, you ¦ulhatro us ewer to use m mmapan from your dear to mots s on"" eNckonk: h.tl bashrhom your bank amud or to pmacam Iha paynod M a Cho& Vane do n. When ws use kdomhYlon from your look n nor an doldronle land VWWIW. IWO nay be wWWtr ham your bank account as soon as he sure day we me" your paymaa, and you will not reoalVe your check beck ham your Nnwncal hsthmtion. BILLING RIGHTS SUMMARY (in Case of Errors or OueYbns about yawr BB) E you 0" your bill is wrong, or It you need more Information on ¦ transaction or bill. wM& to ea an a separate rhea as Saw as possible at Mme address for ingimes shown an ae frant of this atatrnant. We must hoar from you no late than 60 days after war sent you as am hill an wMleh the error or pmoblrn appeared. You ow call our Canner Rata cos ranhar, bid chug eo will not w- you rights. In your lote% give w the folawig luformedon: your tame and account nnanhar, the dollar amount of the suspected amor, a description of the rror and an eaplsnelon. N possible, of why you bell- here la an error: or if you need mom kdomali-, • description lathe Item you are unsure Wart You do not have to pay any amount in question while we are k-"*IW rg it. but you biro still obligated to pay the pare of you bill dart biro not N question. While AS Imerfigate you question, ws cannot report you as dalnquent or tae any action to eased tie amoral you question. t. t Special Rule for Credit Card Purchases If you have a problem with the grla&y of properly or Servkr that you purchased with a aedit card and you have tried in good faith to coned ON problem SAM to mended, you may have the right not to pay tie remakdng an10rd due an tit property or Services. You have this protection only when to purchase price was more than 1150.00 and dre purchaa wes mace In your home alas a within 100 miles of your making address. (If war own or open" the MKdenL or it war mated you the aMarturud for the property or Services, all purchases as covered regardless of amount or kxNm of purchase.) Ploraw remember to sigh ell axrespordSno.. t Does nd eppy a Consumer non-sulk card aanuu 2 Does not apply to business non-edit card mo nfa Capital One uppoN kdrhulion privacy protection: tae our weblike at gOlNk{g?s?. Capitol One Is a federally roll aWad service mark of Capitol One Flnandal Corporation. AI rights reserved. 02008 Capital One TC-os OISC6055-6- 12n1Na k*arbMflake PeirwbyoumatamSgbe coded byama untbcite W*mudaywemtemk,prward(1) you rea tls Oa1Wn paean dtb ddwdM adysrdsd h to ¦dnrd rsndtlsna rnNapa am R))thrONrM Y reasyea h err pdaaatkhp cabr by3pm.ET(12osn PT)Pla iowaMdha(5)YsksaNystrposWddvsry.Pvpmbeoakrdbyastcrycdwbrakeerrh anyatlwfammsyrotMae I baltsdayweshkadaft Our baler dye wikMtlsytrough Sebasy, add"WMW Phass do not AS stspla, pear dip, sit Alanpmrpsdg Iarpaym . WhnyoupuatlSadadaperi nt youautlNdaastairkuse tno dankomya atadtYmss•onrgeSadadcked(rrdrkanyounacetrkpmau to pryemd a a dwelt lramaden. Wan as use hYmoon from yawtlsd to ASIA to bamabhed aver. hods may be SMhdlsa hen year so ourtat Sean as tie move dry es marks yore pry-k and youM met menthe your d¦d ball from your IYndad habdo. CapitalC ' MAKE A PAYMENT. AND TAKE CONTROL 500010 I what's in your wallet?' OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 200!> Capital One Services, Inc Capital One it 4 federally registered service mark. All rigors reserved. 500010-09503 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Data $3,235.30 - $0.00 + $78.28 + $39.00 = $3,352.58 $380.00 Feb. 19, 2007 Dec. 20, 2006 - Jan. 19, 2007 Page 1 of 1 MEME PAY AT IEAST THS AMOUNT MasterCard Platinum Account 5178.OM77033141 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $147.42 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $147.42 Finance Charges (Please see reverse far important Information) Balance rate Periodic Cornereding FRANCE applied to rate r CHARGE Purchases $1,704.44 0.07712% D 28.15% $40.75 Cash $1,569.81 0.07712% D 28.15% $37.53 ANNUAL PERCENTAGE RATE applied this period: 28.15% ® At You Service 1-804903.3637 To as Custow Relation or to report a lost or Aden card: ® Surd payments to: Capital One, F.S.B • P.O. Box 70885 - Chadotte, NC 28272-0885 A Send inquiries to: Capital One • P.O. Box 30285 • Sall Lake City, UT 84130-0285 You're behind by three payments. That means you are temporarily unable to make new purchases or get cash advances. But you can regain your Capital One charging privileges and bring your account back into good standing by paying the amount due on your statement. If you're having finandal difficulties and you're feeling overwhelmed - we want to help. Give one of our associates a call at 1.800.955.6600. You'd be surprised what we can do together to work this out. Payments, Credits & Adjustments Transactions 1 19 JAN PAST DUE FEE $35.00 2 19 JAN CAPITAL ONE MONTHLY MEMBER FEE $4.00 Under terms previously disclosed to you, some or all of you Annual Percentage Rates (APRs) have been increased since your account was past due twice in the pest 12 billing cycles. K your rates have already Increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive you minimum monody payment on Urns for 12 consecutive billing cycles, 01W account will be reviewed fa a possible return to your Non-Introductory APR. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, furxis may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. 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 070119 PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3352580400000380005 Cap11ta1Qng"I what's inyour wallN7' New Balance Minimum Payment Due Date C$3,352.58 $380.00 H19, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One, F.S.B P.O. Box 70665 Illnlllnullltllusl Charlotte, NC 26272-0865 I so I I II sill I I I I I I a Sigel n lllr,r l r, l r l r, l r, l 111 r l r, l n l n 11#111 l 11 Account Number: 5178-0520-7703-5141 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone Email address Q 090020426911973204, MAIL ID NUMBER KAREN HARBOLD 4529 ROLO CT MECHANICSBURG, PA 17055-5669 111111 11111111111 1111111111111 11111111111 11111111111111111 Please write your account number on your check or money order made payable to Capital One, F.S.B and mail with this coupon in the enclosed envelope. KAREN HARBOLD 1. Hera to Avoid a Finance Change. t e. Grace Priori You VA haw a minimum grace period of 25 day. without lama charge on now purchases, new balance erwlen. now special purchases and new otter dismiss N you par your totel'Now Baisnce', in accordance wish On Important Notice fr psynwrds below. and in times for ft to be credited by your rued statement durng data. Then Is no grace period on cash advances and spatial trrwhes. In addrrh, than is rte grace Prod on cry tensadion if you do not pay the k W 'New balwca.* b. Acend g Finance Charge. Traneaetlms which we not subject to • grace prod are as ecood finance charge 1) can sir data of do brwadbn r2) firm the data tiro transaction is processed b your Account or 3) from tin first calendar day of the amore tolling period. Additionally, If you rid not pay the Ttaw Balance' nom the previous blifing period in Nil, fiance charges continue to soave to your unpaid balance until the unpaid balance is paid in full. This mace that you may still owe fiance charges, oven If you pay the rim New Balance Indicated on the front of your statement by the ant statement dosing tiara, but did not do es Its the previous ronph. Unpaid fore charges acs added to the sppllabl. segmwm d yourAccount. t c. Wnncas France Charge. For 880 hitting Pftd 00 your account is abject to a bane charge. a minmum total FINANCE CHARGE of 50.50 will be imposed. t d. T.mponry Reduction In Fleshes Charge. We /rams the right to not access any or as finance charges for any given Wing period. 2. Avamge Day Balance (Including Now Purchases). Finance charge is calculated by mulgpWW the daffy balance of each sepnwd of your account (e.g., cash advance, pudhose, spKad traafr, and apsecial purchase) by the arraePpnding dally periodic mus(s) that has bean previously disclosed to you. At the end of each day during the bung period, we apply the daily periodic rate for each sepam of yon around to tie ally balance of each sagaent. Than at do well of the b&V period, we add up the mactis of dlass daily calculations to arrive at your periodic fiance Marge or each segment yws add hp the results from soon segment to wive at the told periodic fnnccis charge for your -count. To get the duly balarha for each sagmemof your errant. wo take to beginning Ifalarwe fr each alignment and add any haw, trenrClbre and 9y periods Snence, charge calculated on to previous dogs balance for tiro oegrw¢ Wa then ebertay, ppeyneemoor credits gold as of tut day that m aAoeaud o tut segrwe. This gives era tee oaperau sly balance for each segment .1 your account. However. If you paid the New Balance shown on you previous statement In full (r If your new, bbalance was Lea or a malt muel. mew bru icdons, which post to your purchase or special purchase segmass w not added to the daily lodances. WO alaaate the average daily balance by adding at the dally balorraa together and dividing the sun by the menber of the days In the current being cycle. To calculate your old fimin a charge, multiply your svwaps daily balance by tie daily periodic rate and by site reactor of drys In to bBnp period. Cue to rounding on a daily basis or due to ni krum hung cheap sesounwiL there may be avadance between ads calculation and he amount of #notes harps actually assessed. 3. Annul PsrertMpa Rata (AM a. The ham'Arwel Percentage Rat' may appear as •APR• on tiro kart of ads stalasent. b. I the code P (Ouw" Pdrce? L (Ourtary LIBOR), C (Quarterly CD), or S (Banned Palma) appear on the front of this statam. t man to So Periodic WA(S). the PWID61C rates and corresponding ANNUAL PERCENTAGE RATES they wry qurrrly and m y Wwease r dawrse basedon the alerted indoor as bond'. Th. Wall Skeet Journal, plc Via mugin previously disclosed b you. Thess changes .4 be effective on the tat day at your biting period covered by you periodic customers eedkg In the monlme of January, April, July and October. c. If the coda o (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on ore from of your eraum en men to ties parodic reuse), she parodic raise and corresponding ANNUAL PERCENTAGE RATES may wry mangey and may income. or it- based on the stated Indices, as fond In The V%N $sat Journal, plus the margin previously disclosed to you. These change will be effective on the first day of your bMkg period each month. ?. Aseemamrd of LW. Owrgn* will Retained Pmymenl Face. Under the tome of your customer sprwrum, we reserve the right to wsNe or not to assess ay has without prior aaaatlm o you wltheu lvehibg our right to assns ft samersim rhmr•laterbm. t 5. Renewing Yaw Account. It a membership fair appears on tlu from of your stemrrerd, you have 30 days aom the date this oil~ was nickel to you to avoid paying am far or to haw such No credited to you it you cancel your account without having to pay the membership in. To aural you sow^ you must notify to by calling our Quadrate Realm Detonators and pay your 'Now Balance' In bull (excluding do mernbenNp fee) prior to to will of site terry-day period. 6. R You Close Your Account. You an request to dose your account by caNng our Cuslornor Realities Department. You moot destroy you credit ard(s) ad sooom aoosr dude, arwl all presulloaz d burg and aura using your amount After your request to dose, a you continue to twoW or do not ants prowaodzed bang rmnpsmenq. we WI conaldermow of ¦ do" yaw sambadon to keep your scooted opera. AddMonaly, your amount will not be dosed until you pay all mums you owe so Including: shy connections you havertihorird. hhrhee charges, pas ore face. ovrtMt fees, weaned payment lea, aoh advance face and ay other fw raced to your account. You ra responsible for these amounts vAwawthey appear on your account at the time you mount to dose M account w they are neared subsegwd to pr request to doe the account. This may result in Mega appearing on your account ewer you haw requested sir acmont to be dead. 7. Using Your Account. Your card or account cannot be used in connection with any Internet grnblog hnaatdlons. B. Nods About Electronic Check Conwralon. When you provide a check an payment, you outhorir w either to use irdbt wom from your dwdk to nuke a onadma eieasonk find smaller aom your beret aomue or to process the payment so a chock uaroadbn. YRwn wo use bfonnallon from your duct to make an electronic fund transfer, aside may be witdrwrh hum your bank amount as soon as the wee day we .-We your payment, and you wB not mot" yaw duck back from your fseaW Institution. BALING RIGHTS S11fdrARY (In Case of Erma or OueWau about Your BB) It you think your bill is wrap, or If you need core Informalion on a transaction or tat, weha to us an • separate sheet as soon as possible at ft address for kk}iies shown on IN front of dw su emorm. We must how from you no later am 50 days after we sent you be first big on which the error r problem appeared. You con cell our Customer Relations nu d r, but doing so will net praaarve your rights. In your lady, give us the (allowing Information: your name and amcteht number, Me dolor amourt of the suspected error, a description of the emor and an eplanatlcn, ti possible, of why you believe tore is an error; or If you aed more Information, a description of the gem you m unasre about. You do no have to pay cry amount in Woolon vAia we we Invatlpoarq lt, but you am ME obligated to pay the parts of your bit the am not n question. Whiu we nvaatlgate your, question, we, cannot raped you se dahrquM or idea any action to collect go amount you question. t. t Spatial Rude or Credit Card Purdwa If you have a prorrn with the quality of property or Services that you purchased with a credit and rd you have hied in good faith to correct the problem with the nwrMad, you my have the right not to pay the monsinng account due on tlo properly or ssrvime. You hew side protection only whrh tlu purchase price was mm than 550.00 and tie purchase was free in your hours state or within 100 milss of your ceiling address. Of we own or operate the norchant, or If we mmotled you the adwmrmant for the property or cervices, all purchases we covered regardless of amo rod or location of pumhsse.) Pieces remember to sign all correspondence. t Doc not apply o cunsunur noincmdll card amounts Does not apply to bushes ; ton-reef camd accounts Capital One supports Information privacy protection: see our wwbsha at mast. a. islo-com. Capitol Ons Is a fe0srrly registered service mark of Capital One Financial Corporation. AN rights reserved. O 2005 Capitol One TC48 Uh UVewom. e • ll/L1- bpctant Notles: Papnrr you met b te vow be -OW to yar scaIXr of do taunr day we erElhe k pm kbd (1) yes two des babm portion of Oft stetanartao you des In des rdred parr envelops wd R) your force Is mod'ad in co prrwirp outer by 3 pm. ET (12 area PT). places, alsesi Iusitm (5) brew drys M prlaldahwy. Por en s me" by as at any War barn or in wy adw k m mq not os aedisd r eltiw say as tekaas tlarl Ocbnaawr drys n rontay Yrcarph Scbday, sadrdtp fkoidaya Renadoartmaahpks,WPafdh,asp Mrs PapskI yurpo MW you PkwMearindrpeyrrwal, you mistake wparrbw bdem WJmkamyourdwckbmidmramiededwdcaedfrwshrhemywracreswbpaae do prynws r a dock sa scl n, When ve wabbrmalbh SoonyrrdhsckbarbralwwwI bdbwlw, bowmaybwMaseahamywramwntrsowutotame dry we make your paymwe, will yawl not nodes your dock bed from your financial slower. CapitalCW TAKE CONTROL OF YOUR CAPITAL ONE@ what's in your wallet?? 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. 500011 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capita! One Services. Inc. Capita! One is u fedrsally rrgisured service mark. X1 rights reserved. 500011-08503 Previous Balance Payments 6 Credits - $0.00 + C$3,352.58J FINANCE CHARGE Transactions New Balance Minimum Payment Due Date 00 Mar. 19, 2007 $81.12 + $39.00 = $3,472.70 $48 } . Jan. 20, 2007 - Feb. 19, 2007 Page 1 of 1 rte my AT tEnsr THIS AMOUNT You're behind by four payments. You still can't make any new purchases or cash advances on your account. But MasterCard Platinum Account you can still regain your charging privileges and bring your account back into good standing by paying the 5178.0520.77035141 amount due on your statement within the next 30 days. Unfortunately, if we don't receive a sufficient payment, we may have to permanently suspend your charging privileges. Need help? Give us a call at 1.800.955.6500. Your Account Information We'll work together to see what your options are to rebuild your account status. TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $27.30 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $27.30 Finance Charges (Please see reverse fa important information) Balance rate Periodic Corresponding CHARGE applied to rate APR Purchases $1,785.12 0.07712% 0 28.15% $42.68 Cash $1,607.78 0.07712% D 28.15% $38.44 ANNUAL PERCENTAGE RATE applied this period: 28.15% ® At Your Service 1.800903.3637 To all customer Relations or to report a lost or elder card: O Sand payments to: Capkal One, F.S.B • P.O. Box 70885 • Charlotte, NC 28272.0885 A SmW Inquiries to: Capital One • P.O. Box 30285 • Sall Lake City, UT 84130-0285 Payments Credits 8 Adiustments Transactions 1 19 FEB PAST DUE FEE $35.00 2 19 FEB CAPITAL ONE MONTHLY MEMBER FEE $4.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was pest due twice in the past 12 billing con. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember. twe receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due 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. "• Please Note'" Some of the terms of your account are changing. Please read the enclosed notification 6056 506 1 7 19 070219 PAGE 1 of 2 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3472700400000484009 ??/?' what's in your wallet?. Account Number: 5178-0520-7703-5141 New Balance Minimum Payment Due Date $3,472.70 $484.00 Mar. 19, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed E:? Capital One, F.S•B P.O. Box 70665 Inlnrlllnrrlrrnllrnlrl Charlotte, NC 26272-0865 LrLlLdnndrlhndnrlnlllrrrlnnLlnrlrnlrhlrrlnrlrLrLlrl Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address Q 19005142691197325• NAIL ID NUMBER KAREN HARBOLD 4529 ROLO CT NECHANICSBUR6, PA 17055-5669 11 sell I Please write your account number on your check or money order made payable to Capital One, F.S.B and mail with this coupon in the enclosed envelope. KAREN HARBOLD t. Neer to Amid ¦ Finance Charge. t .. Grace Far" You will how a moksum grace period of 25 days without fans on". on saw purdrses, now balance panders, eve apwW purchases and newother marg.. t you pay your bW'Nw Babes', in accordance with to Important Notice for payments blow: and In rime torh to be crafted! by your mat statement closing date. Thera Is m grace period on ash advances and sprW earnders. In adliom, ft. s no grog period on my transaction If you do not pay the WWI -New baleen.' b. Aremag Finance Charge. Transact" whim sale not subject b a grace period n arrsed Inane chops 1) from to does of ft serrection or 2) from the date to transaction is processed to your Acounu or 3) hmn gal first casfdr day d the oars billing period. Additionally ryou did not pay to Yisw Balance from eta previous bllkg period in full. hues chr"a contlnw to emus b your unpaid beano unlit list unpaM War" is pad in full. This mew the you may as owe hence, desrgr, amen t you pay its ante Now Barns Indicated on the hod of yam 09~ by the rat ShWaet doskg dole, but rid not do W bat to pmviuue mo lh Upad hang chirgas are added to the AppreI I sapped of your Accost. t o For each account it s6)act to s tmarda mmgsMa rrankr r total FINANCE CHARGE of SMS0 will be Nmpdoed. t d. Tsempany Reduction In Fiance Charge. Ws reserve f rpm b not asses any rat Ikenoe charges for any given btrg prlod. 2. Area" Day Bslarce Pocketing Now Purcfv aoo). Feeee charge is cstndaad by multiplying the dally balama of each segment of your oaount (eµ, cash advance, pwdrr, apecW transfer and so." prune) by the corm.padkg day pwiodlc rasp.) that has boon PwAously disclosed to you. At the vol of each day tiro being Period, wa apply ft dally periodic rate reach segment of your accost to the defy balance of each sagrerd. Then d tin sed of ft hitting past. war add up the moves of then day calculators to arrive at you periodic dance charge for ram segment We see p ae results tram each sepmsrs to arrive at ft WW parodc finance, charge for your a. mr.lb gar tins dally balance for cam rgme t d segment and add any rwwMSactioms and any periodic **no$ chage calodated on ft prMam days balance fat tW Segment We ten sbtrrt any payments or credbs posted r of art day that en aloaad so tW segment. This gives w M apses daily balance for each segment of your account Hnweuay If you paid the Now Balance shown on your prevlow statement In full (r a your rem balance was zero or s rem amount), nos' transactions, wham post b your purchase or Spada purchase segments are not added to the daily ba*mo& We calclate the average day beano by adding at the day baw,ces rogerter and dh**V the sum by to number of the day. in aro current tiling cycle. To calculate you stal finance darge, multiply your average dry balance by tie daily Prioic nos and by tie number of days in the ON pedae. Ow b mnldklp m e defy bask or due to mkdmrm hence change assessment, Hers may be a vrlanes between this aleulrlan and tie amount of finance charge actually a "d. 3. Annual Panerdage Raw (APR a. Th. farm 'Annual Percentage Rob' may appear as 'APR' on the front of this aleWrard. b. If gal code P Puadary Price), L (Quarterly LIBOR). C (rowdy CD), or S (B..k wd Prima) appears on the horn of rids testament nod to ON periodic rate(s), the prbdlo raw and cerraspondrp ANNUAL PERCENTAGE RATES may very qurWy aed may ware or d- bard on de salad Wiese. as found in Th. Well Street Journal. Plus the nargin previously disclosed to you. These target will be effective on w fW day of your big posted Covered by yea periodic statement andkp In the month of January, April, July and October. c. If time cod.O (MOdhy Prima), F (M." LIBOR), co a (Treaty LIBOR) spp.re on the front of your ssio n ern next b to periodic ms(aJ ere periodic rates aed corresponding ANNUAL PERCENTAGE RATES may wry mangy end may Increase or damese based on the at ad Indloeo, as found In The Wail Stresi Journal, plus its margin previously disclosed to you. These changes will be affscaw on the fret dry of your billing period each month. 4. Assessment of Las, Overgmit and Returned Payment Fee. Under the ama of your customer agreement, we morn gar ft" to vgtw or not to na any fos wow prior lmdplretion to you without wa ring ourrightte assts the esma a aka W Lo at a sM rime. t 5. Rartewkmg YarAccrrd, If a membership se appears or tie front of your sssnws, you have 30 days from to deb lift ataweet sets mailed to you to avoid paying the Ise or to have such w credited to you if you cancel your account without having to pry the marabership fee. To cer of your account, you moat notify us by calling our Customer Relations Department and pay your'Nm Balance In ful (excluding ih membership fee) prior to ae and of the thirydy period. d. If You Chas Your Account. You on request to do" your account by calling our Customer Relations Department. You must deny your red t card(s) and account access dada, callta.1 pmwtlrrized billing and cease ushg your account After your rageet to data, t you continue to knead or do not cancel pwuterized bON emmnflonni ns, are will comelderreoeipl da urge year oudwhadon to keep your -caurd opal. Additionally. you account will not be doted unit you pry of amounts you owe us including: any transactions you have sudrodzed, dneno charges. Pest due fees. -.dk* (asa, reserved payment wa, cash advance fees and my other fees assessed to your account. You are mppwr3le for these amounts shodar they appear on your acwunt at Uw tins you request to clot th account or they am Incurred subsequent to your request to der de a cou d. The nay mult in dnrgr appearing on your arnurs after you have requested the account to be dosed. 7. Using Yew Account. Your cad or account cannot be used in connection with any Internet gambling transactors. S. Notice About EleArenic Check Camsralan. When you provide a drdu as psymart, you sutlrrize us sewn to use in/pmaUon from you check to make a on-6me elecaomc rut transfer from you bark account or in process the Payment es a check transactor. When w. Use Weaned-fin. your meek b moles an sleracrsefmd transfer, funds may be wNhdra on from your bank aooca m as noon new cane day W receive your payment, and you will not noW- your check bedthom you hesndai kMihreon. BILLING RIGHTS SUMMARY 0 Can of Errs or Cessations about Your BB) t you Ihbnk yon bill Is wrong, or If you need moms Information on a "reaction or bR, wads to w on a separate shad as soon as possibla at Ow address for inquiries shows on Use rout of the statement. We must her from you no lent aces 60 days after we earn you eve gut bit on which the amcr or problem appealed. You can and our Customer R@Wws mumbler. but doing a wtl no pmaanva your rights. In yaw laser give us th. Jol-V information. your one and account martyr, Use dollar amount of the suspected rata, a description of the error and an aaplralo t, It possible, of why you believe them is an error: or ff you reed mom Information, s description d gal item you am sun about. You do not have to pay my amount in quesfUn while we am Investigating N. but you am 40 obipesd to pay the pro of your bit that am not in question. While war Im&dW u your question. ws rmo report you r delinquent or tales any adios to called the amours you question. Y, t Spedal Rule for Credit Card Purchases If you have a problem with the quality of property or cervices that you purchased with ¦ redo card ant you have tried in good both to coned the problem with the merchant, you cry have the rpm not to ley the remaining amoum due on tie property or services. You have dim protection orgy when to purchase price was mom than $60.00 and eve purchase ws made In your hone state or within 100 mss or your mYkg address. Of wr own or opiate the merchant, or t we mused you the adwrwmem for the peaty or services, all purchases w covered regardless of amount or location of purchase.) Prose remember to sign all correspordarce. t Does not @A* te consumer noncmdll card accourdt t Does not aA* to business no.-credll card scomrds Casual Oa supports infrmsaon privacy protacbsn: sea our weWte at Iltl• Capital Chas Is a federally registered service mark of Capital One Financial Corporation. AN rights reserved. O 2008 Capital One TC-W Ynpored Nedes: Pyner ysu ma to w all be aadkd m yon aunt as ores carer day es rsahe it, porn (1) you east the bolo ports of ft stanrm aW your deck In tie adred emcees enali ald M roar payment Is mc*W Is our prawns, cent by 3 pm. ET (12 mm PT). Few row at Nast too (5) stint dos for poslal delivery. Paean taatbed by w at art doroodi. or in wry War khmmay nd boas" asrite rywoteoWetam Ws.I days sm Marry though Swulday, excWkg holidays. Pleme do nd we epee, paper dos, air. when peparng your Formal. 200101 08982 15 important notification of a change in terms to your account Your account is changing. These changes will start with your April 2007 billing cycle:* Late Payment (Past Due) Fee Your late payment fee will be based on the amount of your account balance at the time the fee is applied. Balance of $0 - $99.99 = $19 fee Balance of $100 - $999.99 = $29 fee Balances of $1,000 or more = $39 fee Over-the-credit-limit Fee Your over-the-credit-limit fee will be based on the amount of your credit limit at the time the fee is applied. Credit limit of $0 - $499.99 = $19 fee Credit limit of $500 - $999.99 = $29 fee Credit limits of $1,000 or more = $39 fee What's Not Changing Although these terms are changing, your card still features all of your current benefits including $0 Fraud Liability and online account servicing. And if you are currently enrolled in a rewards program, you will continue to earn rewards on all of your eligible purchases. We truly value your business and look forward to serving you for years to come. 200102 see reverse for more information, including how to decline these changes to your account. W Cap"C Please retain for your records. 6056 506 1 7 19 070219 PAGE 2 of 2 OIBC6056 if you decide not to accept these terms You can choose to decline these changes and cancel your account. To decline these changes, call our automated system at 1-800-2145032 by midnight EST, March 30, 2007. Please have your account information available. If you decline, starting March 31, 2007, you will: • Not be able to use your card • Have to cancel any scheduled payments you have set up for automatic billing • Not be able to redeem your rewards, if you are currently enrolled in a rewards program If you decline, you will be able to pay down your account at your existing terms. We will close your account after the balance you owe is $0 and we confirm that no new charges have posted to your account. Important Information * Your April 2007 billing cycle is the first billing cycle with a periodic statement closing date on or after April 1, 2007. These changes amend your Customer Agreement. All other account terms and conditions remain the same. 0 2007 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. Capltallpw 500012 what's in your wallet?' IT'S 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 free check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capital One Services, In e. Capital One is a federally registered servire mark. All rights reserved 500012-08503 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Data C$3,472.70 - $0.00 + $75.81 + $39.00 = $3,587.51 $591.00 Apr. 19, 2007 Feb. 20, 2007 - Mar. 19, 2007 Page 1 of 1 REASE FRT AT LEAST nn AMOUNT MasterCard Platinum Account 5171F0520.7703.5141 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Coresoonding CHARGE applied to rate AAPPRR Purchases $1,865.72 0.07712% D 28.15% $40.29 Cash $1,644.75 0.07712% D 28.15% $35.52 ANNUAL PERCENTAGE RATE applied this period: 28.15% You're behind by five payments so we've permanently suspended your charging privileges. If you don't make a suffident payment within 30 days of the Payment Due Date shown on this statement, we'll charge off your account and report the charged-off status to the national credit bureaus. Please don't lei this happen. If you're feeling overwhelmed, call us at 1.800.955.8800. Well work with you to resolve this matter. Payments, Credits & Adlustments Transactions 1 19 MAR PAST DUE FEE $35.00 2 19 MAR CAPITAL ONE MONTHLY MEMBER FEE $4.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember: t we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. ® At Your Service 1.800-903.3637 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid To car Customer Relations or to report a lost or stolen card: this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. ® Send payments to: capital One, F.S.8 • P.O. Box 70885 • Chadotte, NC 28272-8885 A Send Inquiries to: Capkal One • P.O. Box 30285 • Sea Lake City. UT 84130-0285 6056 506 1 7 19 070319 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WrrH PAYMENT /•.?.??,?? 7 5178052077035141 19 3587510400000591004 "°a+'•m?Yte` I what's in your wallet?* New Balance Minimum Payment Due Date $3,587.51 $591.00 Apr. 19, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One, F.S.B P.O. sex 7Daa5 Irlrrlrrrllllrrrlrlrrl Charlotte, NC 26272-0665 6tirllrrlmlrlLrrlrrlr111rrrlrrLLrlrrldrlulnlrlulrlrl Account Number: 5178-0520-7703-5141 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address @ •9007942693197326• MAIL ID NUMBER KAREN HARBOLD 4529 ROLO CT MECHANICSBURG, PA 17055-5669 rrrlllrrrlllrrrrlrlrrlrlrrlrlrlrrlrlrrlrlrlrrrrlrllrlrrrtr Please write your account number on your check or money order made payable to Capital One, F.S.B and mail with this coupon in the enclosed envelope. KAREN HARBOLD 1. Hoar to k-W a Flnerw Charge. t a. braes Padod. Your will haw a rNnanum gnu period of 25 days wilhout Berra charge on now purchases, new balance vamora, nee special purchases and new other degas N you pay your total TNew Balance', in accordance with to Important Notice for payments below, and M rime for it to be awdlied by your had statement dosing date. Them is no grace period on cash advances and special bwfers. In addlbn. Mom Is m grace period on arty transaction if you do not pay the octal *New lawns' b. Accruing Finance Charge. Transactions which am not .,tied to ¦ grace period am aeseseed finance charge i) ft. rte dw d le bamadiwh or 2) from the data ft transaction is processed to your Account or 3) from the first calendar day of Ue eaters bitg period. AddOo W y, M you did not pay to 'Now Balance' eon the pmvioa bdng Wood In full, firtsnce du ties continue to accrue to your unpaid balance unfit eve unpaid balance Is paid in full. This maws that you may atB owe ln-ca charges, every a you pay the sake Now Balance ndita ad on the from of your sWaman by the mat statement dosing date, but did not do w for are previous month. Unpaid finance dupes ere added 0 0e applicable tegranl of your Accedes. t c. Wnaan Fksna Charge. For each bNrg period that your arcart is sulbod to a urea page, a minmum old FINANCE CHARGE o($0.60 will be imposed. t d. Temporary Reduction M Finance Charge. War reserve tie rigN to not sum any or all finance charges for ey gMw bMrg period. 2. Awmpa Daly Bebma (Yrdadirg Nm Purcht ere Finance change is calculated by nedlplyi g Una doily balance of each augment of your ewooum (e.g., cash advance, purchase, optical Invollis and special purchave) s by oorapordi g daily Paodo m*s) that has be lowolowsly Dig period, we apply the day periodic raw for each eagrhhem d yaw eccdMl to the day balance of each sowmK Than at ft and of the big period, we add up the results of Muss dry akWSlfons to arrive at your period o fir anon charge for each segment. We add Up the results from each segment to arrive at ft otel perI I finance, charge for your account To get the daily balance for sigh segment of your amount we Isis, the begkarng balance far aeon segment and add any now transactions end any periodic finance charge crculssed a ate previous days belaae for the s.W rov.. We than ouhored any payments or creaks posted es of that day that am sleeted to that segment. This gibes us the saprre drily balance fa adh ragmen of your account. However. B you pad the New Balance shown on your proulo s wtemom in el (a H your new, balance was zero or a rant amount), new ewaatbm. which poet to your P-hask or special purchase ugneMS are rat added to the daily balances. We calculate the average daily balance by adding al the daily baltatcas together and! dhridrtp the sum by the mbar of tba days In the current billing cycle. To calculate your total finance doge, mulldy your awryp day balance by the daily pmodie raft and by Ina nun ter of days In to billing period. Cue to rounding on a daily basis or valan between No calculation annd the4 them may be a amount of finance d,ag..dully asaaaad. 3. Annual Percentage Raba (APR). a. The Wm'Au nusl Pamcemage Rate' may appear es 'APR' on the from of this ateWnerhL b. If the cods P (Quarterly Prkna). L (Quarterly UBORI, C (Quarterly CO), a S (Bw*cwd Prime) appears on the front of this StBW-WM next to tie periodic rate(s). the periodic rates and comespohdng ANNUAL PERCENTAGE RATES may wry qurtaty rd may nurses or daaaesa based on the sued edicts, a load in The wall Scat Joterl pica the margin p win sy disclosed b you. Than changes, will be BafadNe an hero 1* dry of your billing period cowed by your periods statement andbg In ft -the of January. April, July and October. e d the coat D (ilanthy Prints), F (Uodhhy LIBOR), of G (Treasury LIBOR) appears on the from of yourstetemem nee to the periodic rw(a), the periodic miss and comaapondng ANNUAL PERCENTAGE RATES may wry monthly and may increase or daeosse based on Im stated Indices, es toad In The Wall Street Journal, Phu tie margin praNaWy disclosed to you. These d ling. w11 be eFecava an the amt day of your blkg period each month. 4. Aaaaaaant of Lab, D wNnnl and blamed Paymerd Feet Under the emu of your customer agreament, we ressmro the dye to wain or not to states any loss watimt W W noNation to you wxhoN waNeg our rigor to a asess the earner aenivfaa eta Werore. t S. Removing YewAccesae. B a mabiodnp fee appears on rte front of yaw W Wmnt, you bas 30 dsya hart the data this statement was rmlid to yen o ask paying tie fee or to have Such fee (twitted b you t you cencal your account without having to pay the ntembaahipfa. To prod your solo nt you mud mtlly us by sling our Customer Rdetlgs Department and pay yaw Thew Balance In 11111 (excluding the memberaNp fee) prior to it* and of ft arty-dy Period. 6. If You CIO" Yaw Aewosml You an equal to clop your account by cling our Customer Relations Department. you mud destroy your credit and(s) and account access dads, cancel eA pnutluwrized biting aid oats using your account. After your request to clop, if you conteee to tread or do hot erred pestMOdzed bgng amanganent0. we war kookier moopt of a charge your atdertratlon to keep your account open. AddWomoly, your account will not be dosed until you pay all amounts you ogle us including: any tranilaCbana you hears suftrized. Bence derges, pad due test, amin* tees, moaned payment fees, ash advance fees and any other tam asesseed to your acoamt. You are responsible W these amounts vhelhr tiny appear on your account at the fire you ngost to dose tht account or they am named subsequent to yaw request to does the atxnunt. This may result n deuces opposing on your account after you hew requested the account to be dosed. 7. Using Maur AcawM. Your card or ¦cocunt cannot be used in connection with any Internet gemblkq transactions. S. Notice About Elab-Ic Cheek ComanMn. When you provlds • dock se payment. you authorize us either to use infomWion from your check to male a one-time damonk: And toomfert- your bark somas or to process the payment as a check transaction. when are use information from your check to make an alaeeonle and tmns* fumy my be withdraw am your bank sedum as won r the same day we receive your payment, and you will not receHe your check back from your financial Institution. BILLING RIGHTS SUMMARY (In Caw of Epos or Questions about Your 811) It you think your, bill is wrong, or If you need mere Information on a transaction or bin, write to u on a separate dad n swan a possible at the address far inquiries shown on tie Imo of Ws ModeranC We mat her ft. you no kin Mon 00 days seer we son you the that b0 on which the emof or problem appeared. You can call or Custom ROSO" mrhbef, but dokg w will not prasave your rights. In your lager, pine us the following Information: your name and account number, the doles amount of the suspected arts, a description of the fro and an etplenation. N posBN. of why you balleve Mein to an amo: or If you need more bdcmhation, a description of the Ram you are unsure bout You do red maw to pay any smuum in question while we are nveergsWg It. but you am sue obllgated to pay the barb of your bill the are not In question. 11Ma war Imsstlgate your question, we comet report you as delinquent or take any addinn to collet the amount you question. 2, t Special Rule for Credit Cord Pvchua It you have a problem with the quality of property or services thin you purchased with a oadt card and you have bird in good oith to correct ft problem Wlh tie mordent, you may hen the light not to pay the remaining smart due on the properly a earAcec. You have One proledon only when the purchase price was mom than $60.00 and the purchase was made in your home stifif or within 100 mks of your mating address. (if wt urn air operate the mardent, a e we mated you the adwNSeneo for the property or savors, all ptris,ea are covered regardless of amount or location of purchase.) Planes rsmaber to sigh all t Does not apply to consumer non-credx card accowto t Doss not apply to busmask, nomeredx card accounts Capitol One supports information pdwcy protection: see our webwe air www c .com. Capital One is a federally millsered a-4ce mark of Capita Ons Financial Corporation. Al dghte reserved. 02006 Capitol One Ux ISUOU0c - b - -M bprwd No6p: Parwh you and to s, will be faded b you scoot e of the barer day war mcobs it, Pwided (1) yce and are bcibm portion of the Wtentnt and your deck in tlw aelded-at-envelops and (2) yrr psyrnas k nrlsd In err praca, s,ute by 3 pm. ET (12 nom Fr) Plesse alas at least the (5) busier days lr poWldeMry. Prytase ecabes by u dry saw loubn or in artyodwrformmay Mbeaa I aridsdays mothstwin. Ourkaksa days we Monday through Saturday, adding hold". Plaare do not we supln, papa dui, ek. den psprep yourpayment. One• NOT PAYING YOUR DEBT 500013 what's in your wallet7• DOESN'T MAKE IT GO AWAY. in fad, 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 free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement within 30 days to keep your account from being charged off. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved 500013.08503 FINANCE Previous Balance Payments 3 Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,587.51 - $0.00 + $86.80 + $82.00 = $3,756.31 $703.00 May. 19, 2007 .•:•. Mar. 20, 2007 - Apr. 19, 2007 Page 1 of 1 E PLEASE PAY AT (FAST THS AMOUNT Mastercard Platinum Account 51711-0520.7703.5141 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Coming FINANCE applied to rate APR CHARGE Purchases $1,948.10 0.07712% D 28.15% $46.57 Cash $1,682.60 0.07712% D 28.15% $40.23 11A_NNUAL PERCENTAGE RATE applied this period: 28.15% ® At Your Service 1.1100603.3637 To tap Custaner Relations orlo reporta lost or stolen card: ® Send payments to: Capitol One, F.S.8 • P.O. Box 70885 • Charlotte, NC 28272-0685 A Sand Inquiries to: Capital One • P.O. Box 30265 • Sail Lake City, UT 84130-0285 Your account is sic payments behind. H 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 1.800.955.6600. Well work with you so you can take control of your account and sled rebuilding your credit with Capital One. "Important Notice" Under the terms we previously 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 Mat I you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Payments Credits & Adiustments Transactions 1 19 APR PAST DUE FEE $39.00 2 19 APR CAPITAL ONE MONTHLY MEMBER FEE $4.00 3 19 APR OVERLIMIT FEE APR 19, 2007 $39.00 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 bast 7 business days for your minimum payment to reach Capital One. 6056 506 1 7 19 070419 PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3756310400000703009 ?" I what's in your wallet?* Account Number: 5178-0520-7703-5141 New Balance Minimum Payment Due Date Please print addressor phone number changes below using blue or black ink. $3,756.31 C$703.00 May. 19, 2007 Address PLEASE PAY AT LEAST Home Phone Alternate Phone THIS AMOUNT E-mail address Amount Enclosed #9011042891197329# NAIL ID NUMBER KAREN HARBOLD 4529 ROLO CT Capital One, F.S•B MECHANICSBURG, PA 17055-5669 P.o. Box 7066s ItLthttlhtlldthel Ilrtil111Rill t,t,it6tit6titit6titittitlr6Utitilr1111All Charlotte, NC 26272-0665 LtLILtLtddltteLdtlUttthdeltthtldnLdnnLltJdd Please write your account number on your check or money order made payable to Capital One, F.S.B and mail with this coupon in the enclosed envelope. KAREN HARBOLD 1. Now I* Avoid a Finance Change. T a. once Paned. You will haw a minimum grace period of 25 days without Mace change on new purchases, new, balance trawlers, now special purchases and new other chugs It you pay your total "New Bslarca', in soordsnce with the Important Notice for payments below, and In the for it to be cradled by your en Amommn closing day. Thera la no grace period on cash adverurae and special trend- In ad4l lm, tore ks no grace period on my transaction if you do not pay the total *Nsw b. Ati ukrg Finance Charge. Tran"Clions which we not subject to a grace period w aw=ed Amince charge 1) from the data Of the transaction or 2) from Ina dale the transaction is praonead to your Amount r 3) from the fast calendar day at the covert billing parlor. Additionally If you did net payM'New SiWloe from de previous b0kV period In fill, finance charges continue to accrue to your unpaid balance unlit Ina unpaid balance is paid in fut. This macro that you may so owe f rwrhe dogs, even If you pay the enI" Now Balance indicated m the from at your stalerna d by the nerd statement dosing day, but did not do so for the praMwa month. Unpaid finance charges are added to the spplleaby segment of your Account. t C. Minimum, Finance Charge. For each billing pMod that your ariolyd Is subject to a fiance charge. a minmum tots! FINANCE CHARGE of 50.50 will be Imposed. t d. Temporary Reduction in Finance Charge. We reserve the light s assess any rat finance charges for my given ligt Period. 2. Avenge Daly fddan ce Nwkm Ng Now Purchsaj. Fenn dory" hicelcust, by edtlplying the dally balance at each "wgmerdof your amount (1,4. cash advance, purJrs, peeks bomb will special Machine) by the WfasPrhig daily parlado nd"(a) rind has been previously dgadsed to you. At the and of each day during flue billing period, w o apply the dry periodic ray for each segment of your account to the defy balance at each segment. Than at the and of hro bflsg period, we add up the rewts of thsse daily calmfadone to amlw at your periodic finance Charge for "m s"gsnt We add up the rsWb from each sagneun to aMw, at the IoW periodic hence charge for your _..L To get the dry balers fr each segment of your accost, we take tie begkrntrg balance for each segman ant add"now, Maaodona and any periodic Mace charge calculated on to Previous days balance for Mat sagnem. We den subbed any payrras or aedba posted as of that day that am allocated to that segment. This gives s the "paw day helance for each segmaa of your account However. If you paid the Now Balance shown on your previous statement In ful (r d your now balance was zoo or a credit amount), new, traewtlona, which post to your prrdusa or special purchase segner" As not added to the dairy belanms. We calculate, ma average daily balance by adding al the dally hatamCes togetlur and dNkbq the sum by the number of the days I the current Wog cycle. To"hauime your total finance charge, multiply your average daily bWwm by On dry periodic rw and by the number of drys In tie bigrg period. No to roawfip on ¦ daily bask or der to ndntrmm fiance charge weuunont, them may be a warla ce between INS ok:ularh end line amount or Anne charge actually assamed. 3. =t= Raft, jAFi Percoyaga Rw• may appoer as 'APR' on the hum clinks statement. b. If es code P (Guuarterty Pdmo), L (Qum" LIBOR), C (Quarterly this state?rrind In the periodic mail) ing periodic on the front rates and correeponAng ANNUAL PERCENTAGE RATES may wry gusrWly and may ICS or lowers based on Me stated indices, as ford in The Wan Street Journal. plus the meryn Previously 6sdsatl b you. The" degas will be aRedhe m the Mel day of your billing period cowered by your periodic statement ending In the months at January, April, July and October. c. If the code D (Monthly Prima). F (Monthly LIBOR), r G (Treasury LIBOR) appears on the from of your statement ern to tita Melodic rata(al tint pedodle rays and corresponding ANNUAL PERCENTAGE RATES may wry monthly and may nos" a decrease based on the stated Indices, "frond In The Wan Street Journal, pkr the margin previously disclosed 10 you. These hangs wit be ahedlve on rie find day at your billing period aech month. ?. Assessment of Leh. OverdnW and Resound Payment Fees. Under Ina I"mna of your customer agrosm.-C we reserve the dye to valve or not to "sees any is" wthout Prior noOkadm to you without walvng oar dyd to assess tM sw*wsinrarfesata Wwum. t 5. Rmswing 11bir Accent. If a membership lee appeals on the front of your ataWmron, you have 30 days from lie day Mle susenront was neyd to you to avoid paying de fee or to have such lea credited to you N you oneel your account wWnaur having to pay the rraubersdp fee. To anal your swo rot, you must notify us by -ling our Customer Relatloe Downtown and pay yourMiev Balance- In full (achudng Iha mambamNp f") prior to me and of the Miry day period. 6. If You Cup Your Amount. You can request to do" your accord by calling our Cusmmer Relations DeparanaM You mum destroy you crodlcmd(a) and arrant acm" dodo, -1 be preaudiumad btfig ant cease using your account. Aft. your fattest to doss, B you continuer to framed or do not cancel prasuborized billing arrangements, we will consider meelpt of a charge yourauthoriaatlon to keep your account open. AddNoney, your scream will not be dosed until you pay all amounts you ova us indudirg: any transactions you hew authorized, fnanm chatgespast der Not. ovadmt le", returned Payment fa", cash advance fees and any gear lase essesaad to your account. You are responsible fr these amcunls vaeMer trey appear on your account of the time you request to dose rile account a they am nnrmed subsequent a your request to dome the account. This may moult in ahnrgs appearing on your account after you have requested the account to be dosed. 7. Using Your Accurst Yrr card or account cannot be used in connsran with any li tsmet gambling transactions 8. Netka About Eletaronla Chaak Cenvarelon. When you provide a cluck s payman . you audrodu w ether to use information from your dwx to ah" a W"me electronic sad tranler from your bank accent or to process the payment as a dhed r transaction. When we use information from your dhecit to make an electronic fund transfer, funds may be wtaharawn from yaw bank account as son as the sere day we retadw your payment, and you will not too" you chuck back from your Mendel Inrhrdm. BILLING RIGHTS SUMMARY (n Case of Errors or Oueadorm about Your BN) If you ddntu your bill Y wrong, a If you need more Information on a transaction or bit, write to us on a separate shad as soon as possible at the address for ingul"s shown en tie front of tit shei ent. We must haw from you a later than 80 drys athr we sent you the gut bar on which the anon a problem appawed. You can cat our Customer RaWms number. but doing so will not preserve your it". In your letter, "us tau following Irdonwilon: your name and scccunt number, the dollar annrn of the suspected error, a description of the amW and an ezpianaon, d possible, at why you behove dwe is an error, or d you need more Information, a description at the i om you am unsure abmL You do not have to pay any amount in quaaon while we are nwadgaMg it, but you we still obligated to pay the pans at yon bit Mel am not in quesdm. Whte we nv sdgata your glh.GM war comet raPod you - wilmusm or take any action to called dhe onhmall you question. t, t Special Rule IN Credit Card Phrchaw N you haw a problem with to quality of proMrty or servicie, that you purchwd with a WOM card and you have tried in good UM to correct the problem %M the nwdunl, you may have to right not to pay the remaining amount due w the property or service . You have this protection only when du purchase prim was more than 550.00 ant the purchima was no & In your hole ass or within 100 miles of your mailing address. Of wo own or operate to merchant. or d wo malled you to adwrdsmant for me property or services, ant purchases are covered regardless of amount or location at purchase.) Plesas umember to sign at correspondence. t Does not apply to coraurrrr mncmdl card accounts t Does notAk%* to busies; noncrest card aacouMa Capital One supports information privacy protection: see our vabshe ar71mp, ,{ting. Capital One Is a federally registered service mark of Capital Ona Financial Corporation. AN rights reserved. O 2006 Capital Ong 01 BCS056-6-1221 MS nperANI Notlce Paynmar yo met b w wan beoedW ks your aunt rcf the hWo m daywroue-, k p Mwj (1) you sad to boiarn potion Of ft sWanlel ail you dads In daadoeae le nWm anvaI are (Z)yorpeV w bnmkantarpwmkvaorta by 3 pm. ET (12 coo PT). Plwa do dMat Mw(5)famines doslean prW denary. PeraRanked by r a wry serrbealon an any War form may not be toe lad as of tie days wake darn. Or banter date w htodsy though &it.*. eidsYp holders. Plane do roc meioplr. paperdps,ac. able preprng your p yownt L M ?h R ? ?mo w o I: A sail ulirl, 04 IkL%Crw10 0 AIrpo mw 0 en ..8 rn 0 S. ly, wr ea r?? ru co ru rl r1i ru rn m ti z u et. E I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Steve Portko, Esq., Esq. 101 South U.S. Rte 15 Dillsburg PA 17019 Date: October 28, 2008 Gregg L. Morris, Esquire Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA-65 Certificate of Service P&F File No 08-12947 `' . C 7) 73 TI j-, ; rs L IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff NO. 08-5773 V. KAREN HARBOLD Defendant(s) REQUEST FOR ADMISSIONS ADDRESSED TO DEFENDANT, KAREN HARBOLD Filed on behalf of: CAPITAL ONE BANK (U.S.A.), N.A., Plaintiff Counsel of Record for This Party: You are he y n i the enclo d Reque within days from defaul judgment m? you. lj ed to plead to for Admissions ervi reof or a e entered against Gregg L. Morris, Esquire Pa I.D. #69006 Esquire PA-70 Req Adm CC D 1 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 P&F File No. 08-12947 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) NO. 08-5773 PLAINTIFF'S JWUEST FOR ADMISSIONS ADDRESSED TO DEF NIQANT, KA N HARBOLD You are hereby requested to admit the following, for the purposes of this action only, pursuant to the Rules of Civil Procedure. You are directed to file a sworn answer to this request in compliance with the Rules of Civil Procedure within thirty (30) days after service of this document. 1. The Plaintiff is as identified in the caption of the Complaint in Civil Action filed at the above number and term and incorporated herein by reference. 2. The Defendant is as set forth in caption of the Complaint in Civil Action incorporated herein by reference. 3. Defendant applied for and opened an account with Plaintiff, being Account No. 5178052077035141 (hereinafter "Account") for the purchase of goods and services. A copy of the application is attached to Plaintiffs Amended Complaint in Civil Action as Plaintiffs Exhibit "A" and is incorporated herein by reference. 4. The Defendant authorized the purchase of various item(s) of personal property, service(s) or item(s) of merchandise. PA-70 Req Adm CC Dl P&F File No. 08-12947 IN 5. Defendant received the item(s) of personal property, service(s) or item(s) of merchandise as set forth in the billing statements are attached to Plaintiffs Amended Complaint in Civil Action as Plaintiffs Exhibit "B" and incorporated herein by reference. 6. The credits or prices charged by Plaintiff were those which Defendant agreed to pay. 7. The credits or prices charged by Plaintiff were fair, reasonable and market prices for the item(s) or services at the time they were delivered or received by Defendant. 8. There remains an unpaid balance due on the Account. 9. Defendant, received monthly billing statements from Plaintiff. Copies of the billing statements sent to Defendant, KAREN HARBOLD are attached hereto as Plaintiffs Amended Complaint in Civil Action as Plaintiffs Exhibit "B" and are incorporated herein by reference. 10. Defendant retained those statements without objection, and made payments to Plaintiff. A copy of one of Defendant's payments is attached to the Complaint in Civil Action as Plaintiffs Exhibit "C" and is incorporated herein by reference. 11. The unpaid balance due is as more fully set forth in the prayer of the Amended Complaint in Civil Action which is incorporated herein by A.P.C. Date: October 28, 2008 J g L. orris, Esquire ' ain Street .,arnegie, PA 15106 412) 429-7675 PA_70 Req Adm CC D1 P&F File No. 08-12947 VERIFICATION I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. I do verify that [ ] I am the defendant in the above entitled matter [ ] I am an authorized representative of the Defendant in the above matter (having set forth my relationship with the Defendant in the spaces below the signature line which are incorporated herein by reference and that the facts set forth in the annexed Response to Plaintiffs Request for Admissions are true and correct to the best of my knowledge, information and belief. Name: Address: Telephone #: Title: PA-70 Req Adm CC Dl P&F File No. 08-12947 I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Steve Portko, Esq., Esq. 101 South U.S. Rte 15 Dillsburg PA 17019 Date: October 28, 2008 egg L. Mo s, Esquire atenaude Felix, A.P.C. 3 Ein Street Carnegie, PA 15106 (412) 429-7675 PA-65 Certificate of Service P&F File No 08-12947 c C co ' j ca --t M- CA) ?`?? c IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) NO. 08-5773 CERTIFICATION OF SERVICE OF PLAINTIFF'S INTERROGATORIES (SET I) ADDRESSED TO DEFENDANT Filed on behalf of: CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA_107A Cert Serv Interrogatory P&F File No.: 08-12947 r I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) NO. 08-5773 CERTIFICATION OF SERVICE PLAINTIFF'S INTERROGATORIES (SET 1) ADDRESSED TO DEFENDANT I, Gregg Morris attorney for Plaintiff, above named, hereby certify that a true and correct copy of Plaintiffs Interrogatories (Set I) Addressed to Defendant was served this date by ordinary mail upon the following: Steve Portko, Esq., Esq. 101 South U.S. Rte 15 Dillsburg PA 17019 & Felix, A.P.C. Date: October 28, 2008 Giegg L. Mo ,s 13 E. Ma' Street Carnegie, PA 15106 (412) 429-7675 PA_107A Cert Serv Interrogatory P&F File No.: 08-12947 I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Steve Portko, Esq., Esq. 101 South U.S. Rte 15 Dillsburg PA 17019 Date: October 28, 2008 Gre V Mortis, Esquire Pat naude & Felix, A.P.C. 21 E. Main Street C egie, PA 15106 (412) 429-7675 PA-65 Certificate of Service P&F File No 08-12947 77 c5 --o M .= g Vit IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff CIVIL ACTION - LAW V. KAREN HARBOLD, Defendant NO. 08-5773 CIVIL TERM NOTICE TO PLEAD TO: Gregg L. Morris, Esquire Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 Attorney for Plaintiff You are hereby notified to file a written response to the enclosed DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT within twenty (20) days from service hereof or a judgment may be entered against you. Dated: 11 2S' O? V Stephen K. Portko, Esquire Bratic & Portko 101 South U.S. Route 15 Dillsburg, PA 17019 Attorneys for Defendant 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff CIVIL ACTION - LAW V. KAREN HARBOLD, Defendant NO. 08-5773 CIVIL TERM DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT Defendant, Karen Harbold, by her undersigned attorney, preliminarily objects to Plaintiffs Amended Complaint, as follows: 1. Plaintiff filed this action and identifies itself as a corporation but fails to provide its principal place of business. 2. Plaintiff's action is an attempt to collect a purported credit card account between defendant and CAPITAL ONE BANK. 3. Plaintiff fails to attach a signed card agreement or application by Defendant and the actual terms of the credit arrangement are missing; instead Plaintiff attaches a "30-Second Acceptance Certificate" with K-Mart that fails to identify any terms whatsoever along with a separate but unsigned and undated boilerplate form entitled "Customer Agreement". 4. Plaintiff alleges in paragraph 4 of the Complaint that "Defendant(s) has/have made or authorized a number of purchases and as of May 21, 2007, Defendant(s) owes $3,926 on said account plus interest at 28.10%"; however, there is no description of any goods or services and when such purchases were made. 5. Additionally, the verification attached to the complaint is not signed by a party but by counsel for Plaintiff. 2 I. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 6. Paragraphs one through five are incorporated by reference as if set forth at length herein. 7. Rule 1019(i) of the Pennsylvania Rules of Civil Procedure requires that where a 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. 8. Plaintiff alleges in paragraph 4 of the Amended Complaint that: "A copy of the Application and Account Agreement in effect at the time the account was opened or charges were made is attached hereto ... as Plaintiffs Exhibit "A". 9. Plaintiffs Exhibit "A" consists of a one page document with K-Mart entitled "30-Second Acceptance Certificate" that states: N have read the "Important Disclosure Information For Your Credit Card" enclosed that contains important information about rates, fees and other costs of this account and agree to be bound as specified therein." 10. Plaintiffs Exhibit "A" does not include this "Important Disclosure Information For Your Credit Card" and, instead, Plaintiff attaches an unsigned and undated document entitled "Customer Agreement", which document does not contain the above mentioned "Important Disclosure Information" about the "rates, fees and other costs of this account". 11. Plaintiff fails to produce the actual and full agreement and initial statement of account that is the alleged basis for Plaintiffs cause of action. 12. Plaintiff's complaint is silent about the substance of these writings and whether each writing is accessible. 13. Plaintiff fails to include any writing or substantive documentation regarding the alleged account defendant applied for on 10/28/01, the date of the "30- Second Acceptance Certificate" with K-Mart and it is impossible for Defendant to 3 determine the "rates, fees and other costs" of the alleged account or, indeed, whether any debt is owed. 14. The lack of the actual and full contract or other writing makes it impossible for Defendant to determine whether correct or allowable interest, late fees, over limit fees and other charges were being assessed, with the lack of any account history making such a determination impossible as well. 15. Defendant cannot determine whether the claim at issue would be barred for lack of standing or failure to state a cause of action because Plaintiff's attaches an ambiguous and incomplete "K-Mart 30-Second Acceptance Certificate" without mentioning "rates, fees and other costs" . 16. Plaintiffs pleading is insufficient and should be dismissed. WHEREFORE, defendant respectfully requests that this Court dismiss plaintiffs complaint. 11. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 17. Paragraphs 1 through 13 are incorporated by reference as if set forth at length herein. 18. The verification to plaintiffs amended complaint was not made by the plaintiff, but rather was made by plaintiffs counsel, Gregg L. Morris, Esq. 19. Pa. R.C.P. 1024(c) requires that: The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of his information as to matters not stated upon his own knowledge and the reason why the verification is not made by a party. 20. The verification to plaintiffs amended complaint does not set forth the source of plaintiffs attorney's information other than a vague reference that Plaintiff "represented to counsel that there is a debt". 21. Further, plaintiffs counsel fails to provide any reason whatsoever as to 4 why the verification could not be taken by the plaintiff. 22.The verification to plaintiffs complaint is defective under Rule 1024(c). 23. The verification being defective, plaintiffs' complaint is not properly verified as required of a pleading under Rule 1024(a), and must be stricken. WHEREFORE, defendant respectfully requests that plaintiffs' complaint be stricken. III. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 24. Paragraphs 1 through 13 are incorporated by reference as if set forth at length herein. 25. Plaintiff's Amended Complaint fails to set forth sufficient facts as to time, place and items of special damages with specificity, as required by Pa. R.C.P. 1019(f). 26. Plaintiff alleges in paragraph 4 of its complaint the following: "4. The Defendant(s) has/have made or authorized a number of purchases and as of May 21, 2007, Defendant(s) owes $3,926.22 on said account plus interest at 28.10%. 27. Plaintiff fails to provide any account history prior to April - May 2006 regarding the alleged account. 28. Plaintiff's Amended Complaint fails to identify the specific "goods and/or services at the times, of the kinds, in the quantifies, and for the price", as alleged in paragraphs 3 and 4 of Plaintiff's complaint. 29. The Amended Complaint does not comply with Pa. R.C.P. 1019(a), which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form". 30. As a result, plaintiffs complaint is vague and general and does not specifically state the debt incurred or what, if any, payments are due and the nature of the charges included as part of the amount Plaintiff claims to be owed. 31. Under Pa. R.C.P. No. 1028(a)(2), a party may preliminarily object by way 5 of a motion to strike off a pleading because of lack of conformity to law or rule of court. 32. The substance of Plaintiffs Complaint violates the Pennsylvania Rules of Civil Procedure and must be dismissed. WHEREFORE, Defendant respectfully requests that Plaintiffs Complaint against him be dismissed for lack of conformity to the Pennsylvania Rules of Civil Procedure. IV. INSUFFICIENT SPECIFICITY OF A PLEADING. 33. Paragraphs 1 through 13 are incorporated by reference as if set forth at length herein. 34. Plaintiff alleges in paragraphs 6 through 8 of its Complaint that the balance due on the credit card account constitutes an account stated. 35.A cause of action for an "account stated" must allege four elements: (a) transactions of a monetary character involving the parties to the action; (b) the existence of accounts embodying such monetary transactions; (c) an agreement by the parties to such transactions that all items of such accounts are true and that the balance is correct; and (d) a promise to pay such balance. 36. The Complaint fails to set forth the elements of an account stated designated (a) and (d) above. The Complaint is thus deficient at law and should be dismissed. 37. Plaintiffs complaint lacks sufficient specificity to apprise defendant of the issues to be litigated or to allow her to adequately prepare and assert defenses to plaintiffs allegations. Moreover, the deficient averments prevent her from being able to identify and join any potentially responsible parties as additional defendants such as a primary signer who may have the sole obligation to repay the alleged credit account. 38. Additionally, Defendant is entitled to more specific information to be able to answer intelligently and determine if she is even obligated for such credit card and what items she can admit and what she must contest. 39. The Complaint generally asserts a breach of contract and other failures of 6 performance against Defendant, contrary to Rule 1019(f). 40. The Complaint fails to state any facts upon which the amount of damages may be calculated, in violation of Pennsylvania Rule of Civil Procedure 1019(a), which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form." WHEREFORE, Defendant respectfully requests this Court to dismiss Plaintiff's Complaint or, in the alternative, require that Plaintiff plead more specifically the averments of its complaint relating to "account stated", "damages" and the "nature of the default". Dated: l ?-SD R Respectfully submitted Stephen K. Portko, Esquire Bratic & Portko 101 South U.S. Route 15 Dillsburg, PA 17019 Attorneys for Defendant 7 VERIFICATION I, Karen K. Harbold, hereby acknowledge that I am Defendant in the foregoing pleading, that I have read the foregoing, and the facts stated therein are true and correct to the best of my knowledge, information and belief. I understand that any false statements herein are made subject to penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. DATE: It - Z 5' 26?:-Jy"' J?Um Jl aj? K ren K. Ha bold CERTIFICATE OF SERVICE HEREBY CERTIFY that a true and correct copy of the foregoing Preliminary Objections to Plaintiffs Amended Complaint was furnished by U.S. Mail, first class, postage prepaid on this zrk" day of 4 uz y - rev , 2008, to: Gregg L. Morris, Esquire Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 Attorney for Plaintiff Dated: o YV4-? k-pc-? Step en K. Portko, Esquire Bratic & Portko 101 South U.S. Route 15 Dillsburg, PA 17019 Attorneys for Defendant 8 ?.Uy Y C-- l .'T V ,! FS -?[•? «, ' { '. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. , Plaintiff CIVIL ACTION - LAW V. KAREN HARBOLD, : NO. 08-5773 CIVIL TERM Defendant CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the ANSWERS AND OBJECTIONS OF DEFENDANT TO PLAINTIFF'S REQUEST FOR ADMISSIONS was furnished by U.S. Mail, first class, postage prepaid on this ,,2 '?aY of 2008, to: Gregg L. Morris, Esquire Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 Attorney for Plaintiff Dated: 1( 6 Stephen K. Portko, Esquire Bratic & Portko 101 South U.S. Route 15 Dillsburg, PA 17019 Attorneys for Defendant z- w+ . f?: y A , pl a Et: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) NO. 08-5773 PRAECIPE TO SUBSTITUTE VERIFICATION Filed on behalf of: CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA_I58D Prcp Substitue Verification P&F File No. 08-12947 J ' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. ) Plaintiff V. KAREN HARBOLD Defendant(s) NO. 08-5773 PLAINTIFF'S PRAECIPE TO SUBSTITUTE VERIFICATION TO: Prothonotary Kindly substitute the attached verification made by a representative of Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A. for the verification of Plaintiffs counsel filed in the matter captioned above. Thank you. Date: November 12, 2010 PA-158D Prep Substitue Verification P&F File No. 08-12947 CAPITAL ONE BANK (USA), N.A., Plaintiff, V. KAREN HARBOLD Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to best of his/her knowledge, information and belief. Dated: 111V.'&ii1h0 J i iams A144 PATENAUDE & FELIX, A.P.C I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Steve Portko, Esq., Esq. 101 South U.S. Rte 15 Dillsburg PA 17019 Date: November 12, 2010 PA 65 Certificate of Service P&F File No 08-12947 ``t 1.4) YL7- 1 V 1 J CUME? l RL;"ANtD C 0 U N T 1 F 'EI?114SYLVi'%NIA IN THIS COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FILED-OFFICE OF THE PROTHONOTARY 2010 ° 15 PM 4: U8 CAPITAL ONE DANK (U.S.A.), N.A. Plaintiff NO. 08-5773 V. KAREN HARBOLD Defendant(s) PLAINTIFF'S ANSWER TO PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT Filed on behalf of CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA-80C Answer P&F File No. 08-12947 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) NO. 08-5773 PLAINTIFF'S ANSWER TO PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLANIT AND NOW, comes Plaintiff, above named, by and through the undersigned counsel, and files the following Plaintiffs Answer, and incorporates herein by reference the averments set forth in Plaintiff's Amended Complaint in Civil Action filed at the above number and term, and further avers as follows: 1. Admitted. By way of further response, the identification of Plaintiff as a corporation is a typographical error. Plaintiff, a nationally-chartered financial institution, a National Bank, registered with the Office of the Comptroller of the Currency. Plaintiff respectfully requests that the error be excused in accordance with the liberal contruction of the applicable Rules of Civil Procedure. Pa.R.C.P. 126. 2. Denied as stated. Plaitniff admits that this is an action to collect a debt owed by Defendant to Plaintiff. 3. Denied as stated. Plaintiff admits that attached to the Amended Complaint is a signed credit application. Plaintiff denies that the application is for K-Mart. A copy of the P&F File No. 08-12947 PA-80C Answer w Amended Complaint is attached hereto for the convenience of the Court as Plaintiffs Exhibit "A". By way of further response, even if the signed application were not attached, this would not be the death nell of Plaintiffs claim. Plaintiff has complied with Pa.R.C.P. 1019(i). A copy of the customer agreement is attached as Exhibit "A" to the Amended Complaint. Furthermore, each of the billing statements attached to the Amended Complaint contain additional terms and conditions. Pennsylvania law does not require signatures to create an enforceable contract. Hartman v. Baker,' 766 A.2d 347, 351 (Pa Super. 2000). Agreements may be accepted by conduct such as in the present case. Hartman, Id.; Schreiber v. Olan Mills, 426 Pa. Super. 537, 627 A.2d 806 (1993). Pennsylvania law recognizes "unilateral contracts" which are accepted not through the signing of a document but rather by performance. See Martin v. Capital Cities Media Inc., 511 A.2d 830, at 836 (Pa. Super. 200); Bauer v. Pottsvile Area Emergency Medical Services, Inc., 758 A.2e 1265 (Pa. Super 2000); Abbott v. Schnader, Harrison, Segal & Lewis, LLP, 805 A.2d 547 (Pa. Super 2002). 4. Denied as stated. The Amended Complaint is incorporated herein by reference. The very first statement attached to the Amended Complaint shows that Defendant made a payment of $300.00 on May 3, 2006. Defendant shares equal, if not superior knowledge of what items she actually purchased using credit extended to her by Plaintiff. 5. Admitted. However, the verification was signed by Plaintiffs counsel in accordance with Pa.R.C.P. 1024(c)(2). Nevertheless, a Praecipe to Substitute Verification has been sent to be filed. A copy of the Praecipe is attached hereto for the convenience of the Court as Plaintiffs Exhibit "B". PA-80C Answer P&F File No. 08-12947 • 1. PRELIMINARY OBJECTIONS RAISING FAILURE TO CONFORM TO APPLICABLE RULES OF COURT. 6. The Paragraph is an incorporation clause. Plaintiff has been advised and therefore avers that no response is required. To the extent a response is ever required, Plaintiff incorporates by reference the averments set forth above as though fully set forth at length herein. 7. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. To the extent a response is ever required, it is denied that Plaintiff has failed to comply with Pa.R.C.P. 1019(i). A copy of the customer agreement is attached as Exhibit "A" to the Amended Complaint. Furthermore, each of the billing statements attached to the Amended Complaint contain additional terms and conditions. 8. Denied as stated. The Amended Complaint is incorporated herein by reference. The document speaks for itself. 9. Denied as stated. The Amended Complaint is incorporated herein by reference. The document speaks for itself. 10. Denied as stated. The Amended Complaint is incorporated herein by reference. The document speaks for itself. Furthermore, each of the billing statements attached to the Amended Complaint contains additional terms and conditions. 11. Dewed as stated. The Amended Complaint is incorporated herein by reference. The document speaks for itself. 12. Denied as stated. The Amended Complaint is incorporated herein by reference. The document speaks for itself. Furthermore, each of the billing statements attached to the PA-80C Answer P&F File No. 08-12947 Amended Complaint contains additional terms and conditions. 13. Denied as stated. The Amended Complaint is incorporated herein by reference. The document speaks for itself. Furthermore, each of the billing statements attached to the Amended Complaint contains additional terms and conditions. Defendant shares equal, if not superior knowledge of what items she actually purchased using credit extended to her by Plaintiff. If Defendant was disputing the balance, why did Defendant make a payment of $200.00 on May 3,2006? 14. Plaintiffs Response to Paragraph Number 13 is incorporated herein by reference. 15. Denied as stated. Plaintiffs Response to Paragraph Number 3 is incorporated herein by reference. 16. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. To the extent a response is ever required, the averment is denied. Strict proof thereof is demanded at trial. H. PRELIMINARY OBJECTIONS RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 17. The Paragraph is an incorporation clause. Plaintiff has been advised and therefore avers that no response is required. To the extent a response is ever required, Plaintiff incorporates by reference the averments set forth above as though fully set forth at length herein. 18. Plaintiffs Response to Paragraph Number 5 is incorporated herein by reference. 19. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. By way of further response, see Plaintiffs Exhibit "B". 20. Denied as stated. By way of further response, Plaintiffs Exhibit "B" is PA 80C Answer P&F File No. 0812947 incorporated herein by reference. 21. Denied as stated. The verification speaks for itself. By way of further response, Plaintiffs Exhibit "B" is incorporated herein by reference. 22. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. By way of further response, Plaintiffs Exhibit "B" is incorporated herein by reference. 23. Plaintiffs Response to Paragraph Number 22 is incorporated herein by reference. III. PRELIMINARY OBJECTIONS RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 24. The Paragraph is an incorporation clause. Plaintiff has been advised and therefore avers that no response is required. To the extent a response is ever required, Plaintiff incorporates by reference the averments set forth above as though fully set forth at length herein. 25. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. By way of further response, the Amended Complaint is incorporated herein by reference. The document speaks for itself. 26. Admitted. 27. Admited. Plaintiff is not required to itemzie all charges and credits. Defendant shares equal, if not superior knowledge of what items she actually purchased using credit extended to her by Plaintiff. If Defendant was disputing the balance, why did Defendant make a payment of $200.00 on May 3, 2006? 28. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. By way of PA-80C Answer P&F File No. 08-12947 f further response, the Amended Complaint is incorporated herein by reference. The document speaks for itself. 29. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. By way of further response, the Amended Complaint is incorporated herein by reference. The document speaks for itself. 30. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. By way of further response, the Amended Complaint is incorporated herein by reference. The document speaks for itself. Defendant shares equal, if not superior knowledge of what items she actually purchased using credit extended to her by Plaintiff. If Defendant was disputing the balance, why did Defendant make a payment of $200.00 on May 3, 2006? 31. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. 32. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. By way of further response, the Amended Complaint is incorporated herein by reference. The document speaks for itself. IV. INSUFFICIENT SPECIFICITY OF A PLEADING 33. The Paragraph is an incorporation clause. Plaintiff has been advised and therefore avers that no response is required. To the extent a response is ever required, Plaintiff incorporates by reference the averments set forth above as though fully set forth at length herein. PA-80C Answer P&F File No. 08-12947 34. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. By way of further response, the Amended Complaint is incorporated herein by reference. The document speaks for itself. 35. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. By way of further response, the Amended Complaint is incorporated herein by reference. The document speaks for itself. 36. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. By way of further response, the Amended Complaint is incorporated herein by reference. The document speaks for itself. 37. Denied. Strict proof thereof is demanded at trial. The Amended Complaint is incorporated herein by reference. The document speaks for itself. Defendant's asserton that she is unable to "identify and join any potentially responsible parties as additional defendant such as the primary signer who may have the sole oblibation to repay the alleged credit account" is disingenuous and violative of the Rules of Civil Procedure. See Defendant's Preliminary Objections at Paragraph Number 37. Defendant shares equal knowledge as to whether or not she opened the credit card account with a third party. Furthermore, billing statements for the account are attached. See Plaintiffs Amended Complaint at Exhibit "B". There is no other party identified on the billing statements, and the statements show that Defendant was making payments on the account. PA-80C Answer P&F File No. 08-12947 38. Denied. Strict proof thereof is demanded at trial. The Amended Complaint is incorporated herein by reference. The document speaks for itself. Defendant shares equal, if not superior knowledge of what items she actually purchased using credit extended to her by Plaintiff. 39. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. By way of further response, the Amended Complaint is incorporated herein by reference. The document speaks for itself. 40. The Paragraph fails to make a factual averment. The paragraph states a conclusion of law to which no response is required. Strict proof is demanded at trial. By way of further response, the Amended Complaint is incorporated herein by reference. The document speaks for itself. WHEREFORE, Plaintiff requests the Court enter the attached Order along with any additional relief the Court deems appropriate under the circumstances. Respectfully submitted: Patenaude & Felix, A.P.C. Date: November 12, 2010 PA-80C Answer Gregg L. Morris, Esquire 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 P&F File No. 08-12947 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) NO. 08-5773 AMENDED COMPLAINT IN CIVIL ACTION Filed on behalf of: CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PF_PA_1l Cmplt Cvr Sht P&F File No. 08-12947 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff NO. 08-5773 V. KAREN HARBOLD Defendant(s) You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within TWENTY (20) DAYS after this Complaint and notice are served, by entering a written appearance personally or by an attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 7-17-249-3166 Usted ha sido demandado en corte. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar accion como se describe anteriormente, el caso pude proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demands o cualquier reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 PA_21Notice to Defend P&F File No. 08-12947 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) NO. 08-5773 AND NOW, comes Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., by and through its attorney, GREGG MORRIS, ESQUIRE and the law offices of PATENAUDE & FELIX, A.P.C. and files the following Amended Complaint, and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A. , is a corporation and for the purpose of this litigation, maintaining a place of business c/o PATENAUDE AND FELIX, A.P.C., 213 East Main St Carnegie, Pennsylvania 15106. 2. Defendant is KAREN HARBOLD, an adult individual, believed to currently reside at 4529 ROLO CT MECHANICSBURG, PA 17055-5889. 3. Heretofore, the Defendant(s) opened a account with Plaintiff being Account No. 5178052077035141, for the purchase of good and services. A copy of the Application and Account Agreement in effect at the time the account was opened or charges were made is attached hereto an collectively referred to as Plainitffs Exhibit "A" and incorporated by reference. 4. The Defendant(s) has/have made or authorized a number of purchases and as of PA 05 Civil Cmplt Crdt Crd P&F File No. 08-12947 May 21, 2007, Defendant(s) owes $3,926.22 on said account plus interest at 28.10 %. 5. Plaintiff maintains accurate books of account recording all credits and debits for this account. 6. The Defendant(s) have/has received monthly billing statements from Plaintiff setting forth the nature and amount of all charges made by Defendant(s), and the transactions between Plaintiff and Defendant(s) give rise to an account stated, upon which Plaintiff has relied. A copy of billing statements dated May 19, 2006 to May 19, 2007 are attached hereto as Plaintiffs Exhibit "B" and incorporated herein by reference. 7. The Defendant(s) made payments, but have/has refused to pay, and now refuses to pay the balance due and owing on the aforesaid account in the sum of $3,926.22, plus interest and costs. A copy of Defendant's payment dated 10. 12.06 is attached hereto as Plaintiffs Exhibit "C" and incoporated herein by reference. 8. By failing to object or dispute the statements, Defendant(s) have/has assented to and agreed to the correctness of the balance due on the credit card account so as to constitute and account stated. 9. Despite repeated demands, Defendant(s) have/has failed to make the required installment payments when due and therefore the full amount of the account is now due and payable. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the amount of $3,926.22, plus interest as set forth herein from the date of breach, with continuing interest at the legal rate thereon from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. PA-05 Civil Cmplt Crdt Crd P&F File No. 09-12947 10. The averments of paragraphs 1 through 9 are incorporated herein by reference as if the same were set forth herein at length. 11. On or about 10.28.01, Defendant completed a Credit Application. A copy of Application and the Account Agreement in effect at the time the account was opened or charges were made is attached hereto and collectively referred to as Plaintiff's Exhibit "A" and incorporated herein by reference. 12. Defendant is in default for failing to make payments as due. 13. The terms of the Contract provide that Defendant will pay Plaintiff's reasonable attorney's fees. 14. Plaintiff avers that counsel for Plaintiff is not a salaried employee of Plaintiff and that such attorney's fees will amount to $900.00. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the amount of $3,926.22 plus interest as attached hereto and set forth herein and attorney's fees in the amount of $900.00 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. Date: October 28, 2008 Respectfully submitted: Patenaude & Felix, A.P.C. Gregg L. Morris, Esquire 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA-05 Civil Cmplt Crdt Crd P&F File No. 08-12947 The undersigned, Gregg L. Morris, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed the verification at the request of Plaintiff as a matter of time and convenience. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the foregoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The statements are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unswom falsification to authorities. Date: October 28, 2008 ?^1 Gregg L. Morris, Esquire Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA-01 Atty Verification P&F File No. 08-12947 Q c d Q V a P 1 i m 1 0 p A I I ?. I.k r4 h ti c ? a r ?U v NA ?I ? 4 w ? C ?'•?"j 1 i VVJII(- CUSTOMER AGREEMENT Welco ne to Capital Ones We ate phased to open your credit card account This Agmeraest contains idomielion about your occo nil Please reed it and keep b for your records. In this Agmenot the worth you,' your and 'yon' rear to each person aho signed to application and to anyone she who uses the account in any arty. Each of you Is lad mitt and)* y ob% W under this Agreenenl The wo* Nor, us and'ouP mean Capitol One Bank and Be succomm or usgns. We can delay enforcing our rights under ft Agmernent without being Item Using Your Account You can make purchases and obin cash advances (1 we have btl you bat cash Ounce am an option for your account) by using your cod, account number, and sly aomuH amass dada (hobdng Preehua Checks, CtnvsNencs Checks, Special Tmolr Checks and otiw rimier shacks) that we may and b you. When rm Wit you With account Boone theft wa ear bl you wlreMr they we be keeled a pcaciuaes, rash wheons, orspecod brain. UMaa we Id you otherwise, Cm a oa Checks ear sheop be bossed a rapt advonoss. Yaw sad or account snot be teed l r»rawghn with my Norrel or Illegal garrift tensed me. Your dead and smart may onty be teed for wit and karkA purpoon I you use, or tar eplwele Wall b use, the cud r ammnl for any k p•nniable pupess. you will be reeporeb a for ash use and may be required in reimburse us and 101911hoCrd InamMbrrl Incorporated or via USA, tea, a applicable, for an amounts or OWN= we or trey pay u a ressk olsuch Imprmiftle sea. You agme foal ell are not reepor6le f o yme mheee b hoar yea account If you do 0011 use Your aoannl you may Mail it by calling our Cuaonv r Relations depalmarl and deftft your cafe) and account occoss eado elft 30 days after you receive Cab Epdvalyd Transaction. Brash advances an an option for your account you can sett you account to pudwa arras tog all directly cnwrda to ash Tea cash OWK*W t trerhudtldrue A be tested a Orin adrnrse and ear be bred b to east dunce NC IW of you umut. Cash e4lmled l - in 0rs ndude fa purdees Of wire tinder moray orders, bon, Mary kk* mho Serving chips, and odw sinbr produce or saMne. Your Credit Limit. You was bid you omdit sail whan you opened yaw accent You elate may bull dheerent MR Ikrtia tW apply b dlfrenl eigm ems of your rmnmt Isudn a puclrean, ash advances, and special hrsbas). Theses mat Mob wan be klntitd on your OWak mhomaot You apse b mob pinholes or obtain mob advance Only up b to MWAWd craft int. We may Yhrnua or decrease your cache bob o ay Mme. a* Ink to amorart the is aw sibb for cash dvnme, or may exclude mesh advarsu uU* from yaw ummL We may how transactions in roses Of Your OUR Nil con I Mime trwapbne ruck In an mat in, and dyes twmd= and IM Will be OOvWsd by tits Agmemost M"ll Pytr NO- You lapnllae 10 ply m 1111 aithpmhb dm honing from the use Of your account r A1111101111 MY Mann charges and other charges do under to home of tli Ag aarmm, Patinas most be made Is U.S, dots, Psynan a made by a nagmbebls kmkmwg writ u e Chad r a Massy, order xad be In a form aocaphble to us and be drawn to a U.S. financial kaftan we play abwr myna r MOM Is various ugmen/Of yakam "nayWayeedMemnks, You nd my at MM cis eilharn roost due by the due mquseled on yowshhnent b Hold a lde payment foe. NOwawr, you may fey more hewn In mielmum payment or py to beanca In rill. In any wee, Nadu d"M sN OMMIna b be mused doing bl" Wk* Ilse you carry a bean ce agndm of 000 or not your shlnrnl AM a milnan Paymerd dm. We - -W bb PWnmb Or ladsl pap MO W WWM and money, o lem marked 'pennant in it Of dw $tmla aryupa whorl Oft any of our fights under inks Agmenenl mclu g our rbM b receive payout in rue. Periock INersrnt. Each mordh your have a balance In your eaoanl we wan sad you 8 dd-Ot aawtp AN VWMUM 1111111 10 your umu t durbq the l1Mbg pad. The Ofin* MW 1111111 Imo from an mI I I desilg bit through and Including be mad statement daft dole. Tor assonant da1Ing doe dslenmses to month Of a specific billing IsMbd. For "an*, YOm January bray period is fie bang prod wilh der BWenaMclosing dos In Jnuory. Finance Carne hdon atim A. Grace Fwfod. You wan have a Pillow pace period of 25 days wMW Now charge OR mw pumtMee, rww balance kuahm, tree opedel pudases and raw aft charged It you pay ym Intel New Sebum as sawn an you pwbdk statemet In id end n Mrs for h b a crdbd by Yow and gmMmn i cbft del. Tarea nC prra -.. Prod on mesh edrataes ad $PKW VNgk m. In odMM, I yea dud mi py l* bW Now Belesce norm b p avhwa blbV elahBhent In irk and In lino for it to be crodked by Your nand allemeM dosing doe, tare la to grace plod on any moscliOn. B. Amukg Fiaanpe amp, Tranucaus Wo are not oubjed b a gram prod am assessed bramre large as follows: •Trawcsbns -do during the curers billing period: from the howdior data. •Urdsid kansecfar sod trarssdlons roads wear account soma clods; kom Mu dab The transaction le pmmew fo you ocoma •Tre -On$ code prior to tiw current billing period: lrom la first calendar day of the c rmnl brig period. Additionally. N you did no pay all New Selena from to pmvkax bikg period In bti, Irrnce doges M*m to accrue b your unpaid wince wdt fs unpaid balance is pad in full. The man that you may sal care sk ence chega, even I you pay the an" Nov Balance indald on ft front of Your nbosent by thw mad stalrnent dosing dal, but did not do so for rie previous comm. Unpaid finance charges are added to the appbcable segment of you account C. A46nesr Finance Cho", For each bring period that your account Is surged to a ierIDe charge, a Minimum total two dogs of 50.5D ear be knposed. N Me bull finance cage resulig from the appimfon of your prbdc rah(a) is ins than $030, we will wbM gat amount from the t030 rrbtmum ad to dllernce will be Well to the purchase segment of your amount D. Perbdfc Reran We delndro the daily periods cote by drvidkV the amxrel percentage rase by 365 and rounding M to the namsl 1Ho0.o00b of M. The ral nay be dement for each segment of you ammnn (e g., cash advance, purchase, npaW pumheea and special lranalor I applicab a br yow account). You ware fold ft day MWIC mb(s) when you Opened your emown and I agars an your aalament. E. Calculating Flunce Cherpe. Fiance charge b wialafed by naklplYIng to day balance of each soomInt of your acocut jog., cash advance, purchase, opmto transfer, and special purchase) by the cormspodig day parioda ms(s) tar has been Previously dbdoaed to you. Al the and of each day dung the brig period, we apply the day pedodc coo rOr each segment Of your account to the day alma of each agnhent Then at ft and Of to Willing period. we ad up the am& of Iheso day mlalatcrs b arrive of purr periodic finance charge for each sgmrt We add up to (sups from each segment to arrive at the total prlo* Tana charge for your 8mman To pet lire daily balance for each segment of your emwnl we lake Mw bepmng balance br each segalent and add any raw hassclons and any periodic francs diverge mkuaad on 0s pmvbm deft balance for drat segment. We then arbtacl any payments or cmdke posted as of fat day fret are allocated to that segment This gives us Me aaperate day balance for each segment of yon account. However, It you paid be Now Balance shown on yaw previous salnem In lull (or b your New Balance we zoo or a aedt amount, new kansacbans which pool b your purchase or special purchase segments are not added to the defy bakinces To calculate your OW Assace chops, mWfply your average defy balance by Me defy periodic rate and by Ise number of dap In the brig period. Due b mudkq on a day beck, has may be a slight variance behveen this calculation and the an sins of Iran a thugs adudy, aeasaed. F. Cash Advance Fee. I a Ooh advance be applies b you amount you were told be fee when you opened your amount. The be will be duged each lime you ob aln a rash dream and rA be added to to cash advance segment of your account and will reduce your sna bole credit The amount of the cash advance tee wll be added b ofw fiance charges on your periodic statement for the purpose of calculating the anent percentage role disciooed tare. This may true ba annual percentage rake disclosed on yaw statement to be greater than the annual percentage rate that was dlerbsld to you when you opened your account. G. Tsmponry Redntim 'ear Frw" Charge. We reserve the right to not assess any or all Onnce ciwrges for ON given Mrip period. OMr Feu and Changes. The folowhg feet may be bid to fro purchase segneo of yon account, uriss othwwiee ape '601, in every burg period in which fey apply: orb payment be I we do not anemia your Paymsed in firms for it b be credited by the lb" sulment drwirg doe; overNtl let N your accord (many aegmat of your account) goo or elya above any Mnpwarly or per aenty assigned out lmk am I we approved you o sesno anormt, at any lime during ft b" woke (regardesa of whabr you want am" 32 a meat of a transaction, two danger, or any am in or dwfak rehmned Ohedt ore. krpaeed a" lime a a" Is mtarod b us br any much, or a we amot horror your amid apace cheeks for any reason; and applying changes for dplmb copies of bormakea or aWemeth unions mpnkd br bftig dbpul resolution These fun and charges all no be awesed N your bring address was In Puerb Rko when your amount area opened. The tee and charge rnaara wen disclosed to you when you opted yourscoma N any Of fresa lass or Barges all changed eumaquent to yew eswud opening, yen will be advised of ft new amount. We mum the right b won Mesa has IMhoul prim rotlfmlon o you. flembershlp Fes. N your ==Pf has a membership lee, It ems drhmed b You when YOU WNW Your amount. The to wit be bud b tea purbug sag nord Of your account. Cmdti 8uaw lnfermdba. You agree that we may ob do your erred 1011011, 1110111 Iron C" mmolb agencies at any hens for the purposes a( marftN Your meth Pubmhanm, man" your account rd cone" you for raw Offers and progama Future Offrs. This iemu of any Mum ofer will be disclosed b you at ne lime the offer Is made. B You NOW en Offer, she lame Will berate afeOfMe immedaby unless ofanrise 3pecF*d in the offer. Oebudt. We may consider you b be In default urdr IN: Agreement n (a) your fall to Pay the minima Po meal an In, (b) you aced your credit ant, or (c) YOU pay W with bads tat am mhened for ay meaon. To she edad mankind by sew, you may also be in dealt under ills Agrsrnant t (1) you vbhl any Of liar miser tame of teals Agmeaem, or any of fa ems Of my other agrament with us r any of our daft or (?) you mods any ales or mshedng aWIN,N, n your aPPklft or (3) bnkr picy or other nadve" V-6011111 am behold by You of NOW you. Alor you an in do" (r offer ear give you any notes of or Oghl b eat the ditA f taquYed by law), we may resrici your account from now amsofons, or one You account and demand tmmedeb payment Of ere Mike oubanrfng balance. n addlm, as a "A of the default your minimum payment may imam wrote wvmm nice. To the a ten[ permitted by law, you agree b pay all court costa and coladkrr expenses Incurred by us In to collection or any amount you awe m under ft Agmamnt I you do" and we roc yow a=ouri for collection b an elbmay who is not our salaried employee, b ft o4onl prnllled by ow, you agree b Pay meaonsbla etbmeye' ass. You rite agree to pay cry met we mey Incur in retrieving your cards, kdud% any cub we may incur by aving your account placed on a mskkod flat. N You Circe Your Account. You an request to dose your account by mliif our Cusbmer Relations department. You must destroy all ands and account access checks, canal all pmubodmd bmg arrangements, and man mng yak account I You do not cancel pmwNhorizad billing arrangements, ws wan consider maipt of a cage your outhOdukon to reopen your account Addflonay, your account will not be cioaed wall you pay all amcuhts you care us including: any trusecbae you have aul wkW, fiance charges, late payment feu, overirfi leas, mkn W check aes, cash advance fees and any other fees asxued b your account You are responsible for fax amounts whether they appear on your amount at the ire you request b dos to account or they are Incurred subsequent o you request to time fa accomt This may result in charges appes" on your account oferyou have mquesod the amount to be dosed or the reopening of your account N it has skdy been closed. For exampte, I you authorized a purchase from a merchant and we rewlve 1110 u3119011M Iron rie M" W alter your account has been timed, your a=unt will be reopened, she amours of me cdage will be added to your account and you wil be wporsibla for payment. If them It a meenbeshlp fea for your 13OWN, Ihe be rY continue to be charged; to she aslant prrmMd by low, until the emend balance tau been paid in full as delved above. If you want to sop an authorized users access b your account you mural all our Customer Retail= department and on" she users cent (I any) and any co=red access Chedo he or she may are. If you are cable to destroy that person's card and account accou odors, and you cal our Customer Relations department to does you accouK yoursc=unt wan be dosed and bob) you and the joint cardholder, if any, may apply for a now eccohmi. I we dens the 80000ml you and the 1001 MM016K If any, Will BON be liable, Individually and loptlher, for all --is charged in Your account II We Cancel Your Account or Suspend Credit Prirbegee. We may at any time, with or without cause and wish or without advance notim, nornk al Ibis Agreement without bate IMm. Changes In Terms. We may wand or dwge any pert of your Apmema k l dam Oro melodic miss and oarr drrpu, or add or MOM nQlremrW (Including NEE Its raquhaem of on news or a dWaMt mine ea the sedaig regrienwill In fhb ApnM OO at Any Owe. N wa do so, we will On you role I sghisd by be Of each sawr6na . or drrgm. Noon will be Mind b Ibe last berg address' lm I I In our woman woulill be Ktjsd to such anw clown dingo wMMt cob.) Changes to Or serad paome" ne(w) will appy, b you Moount balance From b dales dab of ft der% het hr or not in amour babhce Included it= hied b the MomuM belie fie dwgs dib NO wMrror not you I . I b m lrabaauM. Charges to ba and Over charges will apply b your account i an todbdbadale of to doings. Applicable Law. ThisApwamanwB be gam by Vigi ki law nl Federelhew. Hie udit. The In allNy d any pawhion d Ws Agsenanl ctrl Ind rib the vebilp Of any Oliver Ficalons. Lod or 9lo n Cards or Account Access Checks. It you cards or account mma drab m bet or abbn or O =met* Was may be uWg them wMeut your permhalori, maWy us at Otra by arig the Islephae number shown on the hot of your parloalic erlrranla. You wf not be beta In my Maud for u autwlaed use of you ate or Yeut iV Adlman. You epos In gkm a wl0en notice of wry carpe In yore berg sdimt in bast 10 days bibs live Burgs. Chages may be wtlM in to space porided on be temMtana coupon poring of you perbdb damrrd a say be sad b the folowig adi mi: CepNi One, P.O. Box 05015. Rirhnnrd, VA Z05-05. N you aomelb a qnt roast w r was Oar om parson b vsmfMsd b m K yin agme lest all nations regaining to amount may be cad Mlay b the address shown Mar b/rg Camawleauens. We may d you (ukg ra apami^ shdanWc dolling davlca, or rnmrdad asesgsy at home or work gad theme alt d not be consksre l uwolted. We may mglor or woad any alt we mane or haalve, We any, mbm komdon b tar r ngga I - 1r flair or Ntbry of yaw moment an b mow h* discussed In to CAM On plk n poky, a ooW of which has been provldsd to you. We may maw inquib of lard pules In mnhsd - v& sewidenkg ad mI I - your account and you adonis mush thid Paris b mew Mss Oft gbdyou to fire. C+ra "Al BmWll& Cadrddr iamb my be dinged or boriabd wBrut nice. Tim bmneb maybe phmvidd by tid pales; we ore not Nib forsudn benelb orbr rr admwosI I dthstidalpuree. U.B. Cu annoy. I you make a puts or cme h edrenc In lowlpn aarrw.y, the bamedM vM be mrawrbd its U.S. doles using Vim or MWMCed spilorr oral oawaebn plgogiaee In riot at the Bin. Vb or MeskaCmd may twew tr cemisman we sect keep a i amount The rals N oft on to mrwralon tae may or lass= t e cob new an Or teraadlon doe. ARO MTM You and ws apes IAN elOrr you or we may, err eBr par" sib seder, spare to my Clam to ddmd bee) be tenaked by bieft emi al m. IF YOU OR WE ELECT AHMRRATION OF A CLAIM, NEITHER YOU NOR VIE WILL HAVE THE R1NIT TO MA" THAT CLAM N COURT OR BEFORE A JUDGE OR JURY OR TO PARTICPATE N A CLASS ACTION OR ANY OTNER COLLECM OR REPRESENTATIVE PROCEEDING. MEPT AS SET FORTH BELOW, THE ARBMTOtt'S DECURON WILL BE FINAL AND BMW. OTHER RIONTS THAT YOU WOULD HAVE F YOU WIT TO COIHtT, NCL PKI THE RIGHT TO CONDUCT DISCOVERY Olt TO APPSAI, MAY BE IN= OR UNAVAILABLE N ARNIRATNNL THE FEES ASSOCIATED WITH ARBITRATION MAY BE HIGHER THAN THE FEES ASSOCIATED WITH COURT PROCEEDOG& Spew DMYdtloa br Wb "A"NON Pnowbbn. For tie purpaw of this anilistion phaisto rAmnion Pwddon1, this bbwiq dgIr"' shall apply In addition b the debilities 90 kirk In thin CwbvwApwwd rApee vWw 'Bb,' hat' end'ow' mess the rower d your somunt (Caplet one Sae or Calm One. FSJL. b p@mK end let died coq indved smttldalse and abate a wd s al d their raepeclre employess, allele, dkecbw, Monona, Kalamai smeesora, and ASIO- 'Claim' mews any claim, mnkovaay, or depute of any kind or makes between you and A Then "Wald nfAlfha, isMr(ed inilaOair, any CJiirh pit In pry My O kM fan or rehabs IS .Orb Apreamad end any of is tine (ndmalng any prior agwenwNn Mean you and us of between you and any dtrerully bom which we satulmal your somid) •1hb Amnon Prohdelon 04KWV 0~ OR Clam b U*d to arbbstiM) •fie estWisiwrnt opsrrOon w lssaindM dyorr soot •ay, &dome& O&wb menla, promoNn, of other oornenremNatbna rating to your acmrM, wh*wr lwy oarrued bales w atlarymr accm twww opened •ry bamaocions a eOenghlad IrarweMoro nvoMg youramourd •ahy berg or mbClali =I= mining b ymr abount -any poabrp of I aarlMs (nckdug payments or aedlls) b your account -any goods or swAm charged b your award -any hang, Invest or other do" awmd b your eoco nt or Their calculation •sry praduda, service, a berwb pmgwm nerd b or offered In coroa/M wph you awadd (ncludg any insumoce, debt aaeI lion, or aiahded awe contracts and any program, nbtss, nwenY, swespabkes, membershpe, OUM Me, Or coupwma) wlethr or cot we ONamd, nkockmed, sold, or pmMW them .ere ranmTpt use, or disclosure of any irM mom about you or yaw accouml •ary other maths mbinp b your account or your reldomhlp with us. B. 7M man who ilcludte, wuBnodiNaOan, any CWn. •regadlang of how or when I Is brought (for example, as an Mall claim, awnwrdelm, aasidam,Nnerpeaft,afi""slain) -based on any theory of relief or damMOes (nduUng money damages and any tam of sWAIc performance a nJunrdiva, declaratory, or other squNada railaQ -based on any theory of law or ply (Including contract, tort, ford, constitution, statute, MOUMM. otihMCe. Of wrongful ecb or omhsbns of any type, whether negligent reddess, or nbndDnep -made by you or by anyone consoled wkh you or claiming tirbrgh or for you (Y>du ft a co-applicant or aulhoriad user of your account your agent your representative, your heirs, or a tnrsba In W duuptcy) OW2-21 •forwhifi we may be tidy or k*K* Nebo urderany theari kA*v M W40 OPOW or agency (wary 1 we we not popsy named at la rime Be Cbn is made) -now in f abbm or /d may saw in the Lin, vignettes of when The facts end du 1,r that (Ow fee b the C1sin Ocarmd orwben Ore Odin BcmvW .made as pat of e dm acrss, phimen aaomey gerved eOtlM, or other repmwoMw or cobctlvs action, which Claim seal proceed on an hdMduel bash as am lath more lay in this Amnon Adminbbators. One of the iMlowing smand n administrators rAdmnbtrabr' or, mAsdivay,'AdmimalmW will admnhler lee arbilredlon: JAMS American Arbitration Au'n Ndbml Amilratbn Forum 1820 Mein St, Sm. 700 335 Mallow Ave., Floor 10 P.O. Bic 50191 IrvYr, CA 82010 New Yat, NY 100171005 WroMab, MN 55405 www.lamsedreom OYma4S&tl wimuiliftson4mum you may Owned any of the A6rirblmbrs to obtain nbrmelon about arhiiabrh, ablraim fixing and prmsbrru, b erJaiiba, end dskn ems 9scllon end Wag on of Arbitall on. You or in may elect abbalm wrier this AOMN Pmvbbn whim ampelb any Clria, men a to Clain h put of a bast bnsgk n aided. You Or we may nab a mom or heed In omit b cornpd ahiaion d wry Clain Might s pat Of any bemdl. W will not glad or MM mbbdon of My Claim bOWd In s NO dON mud (or the egulwbrrq, so lag as Ot Cam amain in but court, is made sdey on bad Of an k div" or pkd ecmu t taller, and le not made a pat of a ,bas aion, privals doom g&vW wing, and wrepwea.. ormNdve scion. You met we cent Pots fie rules of the Ad nobliabu b kdNla arblapM. O Van Wsb abMhaish4 you may chess Om d be Adr Mkeba, sal ym udod u any ndm owp*od by 1t Adnixielmor b P.O. Be S01A Wdmaal, VA 23N14M Mine NO r11 1 In, we will dww are d M AdniMrbebn, med we ON and you my cola regawd ry re Admiielnbr b yea laMlaame big efimng. N rt eve bW anbBaiat we wen ikep the A& MM& at yaw mpW l you May usn w*# at M aims nddheng wft t w daysdTMdebdapodcsnmdyadwi"--on of 1111el. Potato se and Loa Appiahb In Ad bdoa Thb AMhft Pmbbn b retie pureed b a nnam n Inro' * - k*Mb oreatroe and obd bs pvmW by and eerlsnoaabb ufMa M Felon Arbkft Art pe'FAn Owdm abod rlhdeer aqr Cbb b nWJsd b arbMerah shall be racked by iwgrsl' M Aibdbn PuoM n In the broadest way it my be enbeced, ansI I hill the FAA Lid fee Iona Of the Arh1itiOn Ploehim, The UNN& will appp sulm"A hew molt d tsllm to FM and sylaib OWN Of Mbnlort. The whines, my acrd sy dmnpes or der mils I - I I by qo Wb aiasrows Iwr. rid the sward art doamkr la Aphis end abNOdoris of My the named prang and only w1h ngperd b Or Claha b ghblste. The hies nd pwOliaee d t>M AdnidsYebr, whiW you my abidn tow lm AhrYnbYdor, dud gown Oct abinbm nom Hwy mdld wb M ArblraNn PmWWM, In MMdr pile /W Adsiialoo Provision vM apply. The artdirmr will not be based by, and M1la AiBdes Psvlabe shel not he sUaeotb, rr fetid, sine, or local oulas of proadn and evidrhng that would apply In ay mat OF to Slab w besi bas OW sbla b arbihdsrm psowdYge. Ym row wry havea heaig b My leasing ft you alert b pram wB bla pea d ¦ i IM intles your Is" mkBigedtlnteaatareaOtherpinsuponwhichyguadweapse.Youwwemy be nepnw I by must N you or we mp* lr sibsbr will Inner claims of inklings nre-16 ua* eppkft law ssd w8 m beer *MM b probe mrddoM bib ob "kidlag N o gb the mm of ptalarlve odes} The ahbidm wi mbe wry mwwd n uft end, of the Bay feeling of W r pary, YA provide a wdlen am a nt of macaw for Be sward. Cab. The pap W MV enbawi millpay lw inlW Nag yes. Ym mey aids a wales d the kWW 16g fa w wry d M Atimbio ion der hang (col dk*,'Adrokd*Aors FmI uala any applicable odes of M Admi&nW. If you nob, but do rot gmaEy for, a wakes, we all mnsidI any wren seplea by you br a In pay or dnnge you br OR or part of Be AdnidsYabfa Fan IW also will pay or sbebune you br all or land of to Admirriliandoin I= r this stbieb, dwrmI Saw b god rasher br us b do 0. We of pay am lam sal mere r n in mquimd Is pay by law.Othmrdw, end Mcepia poildedn this Apw *K you and we 1,B beer d d err mpesB i ban and msit picturing the Ai wonalk to lase end the bee and cab seep In sllanngn asprY, and wbhng=L mgadess of oft prwab. Abatlon of ban ern mA reYlNg b lpPaaia b gt111e1, wilbe heeded h Or Baer mrrer. No Convolidsn or Jobdu of Prtlan. The abbaOM of say Clan must proinew on an ndNliW bngb, wen t the Clam has ban manned in a cord a a des anon, prtale alaney general aOah, or ofer rap usrMdve or coNcive aOm. Unless all pates consent n*w you nor n may )obi consolidate. or oOantee trig Goa "M In hero or coos scare. indikiduwh, Of scout 1 11 In to aim abbdbn. Also, unless all pros consent n*w you nor wa may pane a mess actin. pnMb atlomey pawl grow, or oMw spmeanlals or coledve aeon in avbbdat ewe may you or w passe such atom in Cool O any pap hu dated arbitration. You will not true the tight b as ng e dam wpesadelw or paOdpeb u a inn mbar of a den of daimmb wb spat to My Clain as to wlidh arbitration has been ebeed. Judgment, Edomntst, FneNy, and Appeal. The ablialor s decision will be ilia and WOO Bbl, Bean days urbng you or wa seek an appeal of ft meet by meiig a ulpn request b the Ad*' bW. The gipped pm* ~ will extend of free arblralom, will consider al lacteal and legal lam mew, will conduct the upped in ft ngm meter a the Insa &tWelM and will make decision bard on the vole of the rryodfy. The penefs decision will be And and binding. Any 1nsi dKWM d fie abbabr a Of 1e sppaN pMd is ari)sd 10 ju*W mvbw 0* s sal ben haler the FM. M avid in SNUM will be enforceable under the FM by my court hvig jurisdiction. Miscellaneous, Waterer, Swerablly, Survival II you or we do not eiscl arbitration or ofianrbe W*m thla Aibalon Prevbbn in connedbn with any particular Clain. you or we will net wain any nphb b squire arbitration In mwraion with the or any obi Cisin. This Arilielon Provision dad survive: 0) suspension, termination, woolen, taus, or charges of the Agreertwnt your smdat and your reWlonshp wits us; (k) the bankruptcy or isohancy of any party; and (1) any baser of your account or any amount Owed on your account b any other person a Only. O any portion of this Arbtre in Provision Is doomed nveld or unenforceable, the remaining portions of this Arbitration Provision shell nevertheless amen vald and in bra. In the event of a onfict or Inconsistency boom rib Arbitration Proidelon and the der provbkhhs of the Agreement or any prior agreement this Arbitration Provision shall govern. a 2002 Capital One Serum, Inc Capiial One is a federally registered service mart. AI rights reserved. --•-- • - 6Bin/Sao v w u S w uauns ? u pkMW,VA a cwdholder ?, Si?lll811ro 12 114380 1:09 &0067781:865 2077035 i4 inn C *~0w PLATINUM MAM72CAM ACCOUNT 5178-0320-7703.5141 APR 20 - MAY L9,2006 Plge 1 of 2 AamontStamamy PltadaolIda" : $4572.61 Prymaay Crediu a" A4astmem $300A0 TItIIItaA1Da/ $1.00 FUNAN Cho" $35.19 NarHtdnae $3,132.5D LOalwAaeatotDue $9740 PyamD. Dw Note 19, 2006 Tali crack line $31500 T*W A% & Cn& $367.50 Cook Lue hr C" $3,500 Awg" Credit for Carp $267.50 Arymuniee Te etRLlraetr RdrGa w tutprc • Iwt O/ Ile}O oa: -7070 1-wo.-9 5 5 Y ww 1I Aau-P.+YrarPs«wea sOdialdwas% G11'r?aa1{ a4EaR. P.O.R?7lOi1T 10- P Ber701tf $1 LtwkMOp1Tl4217 11C,L?T9413H= Paymmu,Cm"wWA* mleam 1 w MAY PAYMENT RECETM - THANKYOU $200.00• Tltxrenfoaa 2 19 MAY CAPTTAL ONE MONTHLYMEMBERPEE $4.00 Flnaetl CLargaa =MM CABS 6 AM-1 ANNUAL PERCENTAGE RATE @"Ikd 1?]a park PLEASE RETURN PORTION BELOW W1711 PAYMENT MormoveowAkArl Avk IW °rMD UA% 03L46 asic? 2L M SM.43 If 11.0514 C?dohe 0000000 7 5178052077035141 19 3132$00300000093009 hdn,riy.hr?udnk NIr D.iuoe $3.L1210 e ?a1 $RLOO a.a Paymno, Doe Date June 19,2M p l a.. Zro ToulexJaed s titelPhsr AWIaaPMa AtemoNmWr. 517s 0510 7704 5141 R9014042891197326R NAIL ID NUMBER Capital One, P. s. B, 101M NARBOLD r P.O. Box 790217 1111111121111111111111 v 4829 10160 CT BC. Louis, NO 63179-0217 v NRCBAMICBBURO PA 170SS-4889 111111 loll 11111111111111 1111111111 11"1111911111111111111111111111111111611111111111I11IIIi/1111 P/mrwimylr«aaafarwkrwl,TerrtllaEal?a?wJataadrj?grHsmOljilafOaRF.BI.rJwrliaJh??sullaaebfc KAM MAKDOW 4519 ROLO CT DUN MMWRC$BURO PA 1Tgy5R8t m S v r R O 6 ? C7 R r agars l¦it ..s i? r~ mo¦ mom ! s»? low mom $d s 0 N V" Pwdv M Ct= (1) ywk br twpad u purohuw aooorft to for Mrr wW amartdmarka d your Cutlonnr A/nrm a t. (p) Miry not guakytor wMW P?M•(3) «rb?etbYarenatamr?r¦hw#w"YCaPIMOnaPM r YowdrankPYawbraunthrtdddyowdwoft twMdQ Mww bwdownotawairdyourankblrrndtkw.(4)MayaotbrpnwawdornMybrprowawdatahigtwdak : kyowaooount it not wxW(il.robtrhd,pansdoor kedbdlora)atl*6madwakkPnoowd.(k)VGbrmkwwdwjWdwWVwrw?ybraaw aWa MOWCbwhFMklraawlksunawk M*ayawaoowd6notvAmsasddld.(6)CannarbruwdbpWdorm«pya#aa cvwOna aowrrrt;(7)Carnotbruad byauthorbndtwerr. Andat/rwisdtrsoanol newwtttamMr. (e9 QwkN asulna rar aowura. 2w?" 11435 sss?ls=u u w z w H DOMt?s Mt u cap"OhIr --j ArdMM, W A. wii435?' t:05i006??8t:8652077035i4ia¦ Easy. Convenient. No Transaction Fee. PW2of Z ,rat does Malail. to ittlanki tone. Be to BMW h ee ea" as peo"fir yen to am your ataowlt, we're placed t0 der you SM w40001110§448 Punthnee Chub.* You an M thorn wlmnver peraW dwh we elxeped to: P am : pet cash GaW coredkhate bills Id Ift, tackle home prOects Even batter, these checks have the same rate you enjoy for pufdoses made with your card. Just be sure the total of your dwh. other transactions and fees doesn't exceed your credh tune. ...for your honm Don't watt! Your Capial Ones` Puiroihew Checks expire June 30, 2006. Use atom today. CawaidOne I what's in your waectT" " Pam at the imporWn Mctosnas on the bade for the terms and aondayoru for usog these doclm aamttutsap 6 4sx?R Dots u ?to Mwtauu?saate?n+ross-sw, ? .._.W.-- -- ---- w z u S? W H OeMms u OC R@Ioaard VA CaI&SWr Memo Skuwre e' L i436R' r:051006??81:865 20?7035 i4 Pe Naf ROW CT MeowacsWaiPAvesssaag CawmdOnr Atrnnrooa VA Mem 11437 DeM ?e•ersls+? - - -- ' >t hrom"er u w x u $ -----t w z u a a R`iire37M' r:0510D67?8e:8652077035i410' x4m "Am= 4339 RMO CT Dote MffXA ICSWMPAVQ5s-aa9 T ?8 A 11111• tats ears ,r rim s?.r 1! rr ttaaee a? o g IMPORTANT DISCU)SURB Pawkm Uwft W WIN be treated as purchases aezordbKto the teens and amerednrmrts of Your Cusboenor A?raanrent W May not owtMi br ranrd pro?uat tAw? to yorr awdlta???a" as Iltadal? oaa dwdc. Pkasa ba suoe tl,a total your damadtoro and has does not mooed yopx e, pr mfr be Nraoassed at a hlt;her delwlt rye ifyaur aa?not8 not awdebkaa?t floe. (,? May oat be AMd Q& pas t due or In ooouMasd?8 ww or at tM tlnie a diode Is processed. (5) Will be roomed unpaid and rnalr be assessed a Wood Check rwal?tdw oWtIs wwA&bia oryaur aam mt is out canoe as stated. authortud o canna requeet ?tra h . (?l ommL be used by auMartud users. And AN other sarms and condition for your newunt amain In U force and a &ct. a Z= Cgw*I Onr Swvkot hG CWW One's a *do* mg6Wldj@n*1 mat Mri reu $ 4 F / S a s? F? w ? y T 0 a A A A A a A a w ' First a months ha f .pdc* 97 tag s., - em W To"M ,1-sir-W?.4207 m"Im Oft Cade: Owu. Or vwl ww, tcPIpa Omvvwbpd :q3ftOOrae' peoplepcw online ?? A beRer way to Memel. Peepw OnNw offers the feetteee you would ho kftrat Service Pr ri ?M Wjo *W the *9 3 i wvft Errol Vnx Protection ® PoP-Up elOdmTm Spam Controls et &rwrt Omer a Moro Emed Aftes a dw Intemet Ced Welting PLATINUM MASTERCARD ACCOUNT Stn-020.7703.5141 Amem,tSewmtL Pf.,iee,Bdeeae ? 13.132.50 P /meet& Cndiu rod Adjwx mts 6250.00 Tmereuer 14+00 Plaeo, chw" If600 New BA&w 12,942 50 MLieeee AswK Dee am P,gmwtDa,Dw Jaiy19 2001 TOW CN& Lin LMOO TOW AwYelieeft" ts57.50 C"&IbwfaCa,h 12,500 Auld& Oro& for Cah U57JO At eeraloe ' T•+iQrwa' eeaw?.t. tew•e rd.. sv! 2.800.955-7070 S.+r,p..nau a.+Lwta.,e ItL.I%mod017mw SLUT 4LV W ImpoeaatAo sotlpiwmsdam Tate ooeoroi aed n?[t yar6C ooda for fine. P91+alidieaaeielk.ede,.OaraeI I of5xayoua aommia.t...gle. and nem., y o eme,Be yaar mmouac Y egimbae?am r pror yeas wow w an RG MAY 20 - JUN 19, 2006 P,#41 of 2 Paymea,CeedlawWA4muw u 1 12M PAYMENT RECEIVED -THANK YOU $250.0 Traneeedow 2 19 JW CAPITAL ONE MONTHLY MEMBER FEE #4.OD F4rrloa Ahwrrmarttriir iptr:t Adawwo )WA cnwrw?ir A/tt M wN ffm MH 14M 2iL3VA t26?M ANNUALPERCENTAGER.ATEepplledtbbpedW 21.3CN PLEASE RETURN PORTION BELOW WfM PAYMENT 0000000 ? 5173052077035141 19 2942500250000033003 NmBdum HNSWAfteg" m w.? , . Pgewel l u Dm July 19, 2006 t*r sr m T.W..ao.A : 1 -7 mmerh. neo,.Ae. AmmtNu4w.. 31M400-r/414141 #901714269119732111 NAIL ID M=ZR capital one, T.S.B. "An Rmso D P.C. Box 790217 INn,rddl6oll,„I r 4929 BOLO CT St. Louis, !D $3179-0217 w MiCPoWICBDURG PA 17099-9599 e1?9 I,n....uruall,,,n.I„u„r„la,,,nl,,,l,,,uh.l,u„I ? ? 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Atothertenns and conditions for your account mmain In fidl fom and eftet 0 2006 CWW One $W*M W- O PW One is A rede¦6y tepbtMl4 2eAice mwk AN14* renr`vd. e, ?I a M i X a A ¦ ? em v a m Z A I A S a A S A a A Hem on your auto Insurance. bang for your insurance buck. with all the money you could save. Cali to get our best prices on auto insurance. Answer Flnencial's' rate comparison service is fast, simple and FREE to use. 14774864111 fie' PLATINUM MASTERCARD ACCOUNT SIM-OSIa7M34141 JUL 20 - AUG it, 2006 PWIdI fi Aaaaet9mn? 32,a97.p wn. A ltO0A0 TerNtier Y 0310.17 %mom Cho" RSS 63 NOW Bd9m " 03,163 a Mdo.Z"D.. 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AM rdjbw rrnnrd ao0o0•oaaoa FWAM Eiiu Payro" i Croft CHAROE Tiwmorrn NBw WRnce M ni mrra P nwR 0100810 $3.023.33 - 50.00 557.77 a 539.00 53,125.80 5183.00 Dec 19, 2008 OcL 20„;008 - Nov. 20.2008 Papa 1 of 1 i NSUr MMUM MAMIRM MaBYrCtrePiaERlmAcoourd Yaure akisorapeyilwltMeloReM"tatvWQVatmt tnpgmaatbytadatlaaMaepe rl17aa1 7Ta1 a14t yaweomurt N good tMdin1.19etlar9dwd pBpralae maybe NpooW tolls r1110ntl vvdl bm .Se aala t1Aa yoe tend h Ia adrimNlr emane dye b Moop your aemwd b good slaldmp. Tax Am" Wonru8on TOTAL CREDIT LINE $3.600.00 [b?mmt. uwaNS al Ate TOTAL AVAL ABLE CREDIT :$374AG CREbIT LNa3 FOR CAIBML $00.00 TrRmaiG80Aa AVA$.ABLE CREW FOR CASH 74.00 1 20 N0V ty16? DA IN MW 2 20 NDY CARTAL OBE MONTHLY MEAGER FEE $4.00 7 flr' naCIIR?N??ItwawntaalorlapaantYdanprb?1 eppr i Pr& 13M Cwv? Purdatet $1,!6611 006104%0 zi.a% $$1.36 c s1,60 n 0.0'5104% 0 21.56% 126.21 AIRNIAL PEICENTA? RATE tPNM adt lalod: 21501% ® AIYorlrtieel•M0a01•f1iT To of C11tYerr RINUoneetbnpat stop attBie sad; ® Is OpYOie. F.1,1 • P.O.OaI itNa • C11t4tBA NC2R72.ON6 ® /ad Agddo Is C1Pd0W •P.0. Bie XM • $d!rte Qy, ur 841MM YauUMYtMMopeadiefiebenee0POMdWAMMMWWMIaUtotieedbIf tduedtb.TOMdd tdtboinentaie.Ile+eoanwNdtwyotdowMNeat7brbwedtyeTorpsriftew ippWbfoodl Cepm OIL 6o36 506 1 7 19 061120 PAM 1 of 1 01RC6056 PLEASE RETURN POMIDN BEAM WRIT PAYANINT CaveftlI ' I vIM'tinyawwoAd' 7 5178052077035141 19 3125600400000133006 New blance Minimwet Payment Due Date 53,125.80 5183.00 Dec. 19, 2008 PLE AMMO NT LEAST Amount Endosed CaPltel One. P•S.a IIIII/IIIIIIIIII/III P.O. Eon 10463 Charlotte. NC MU-0645 IId?IL11od111o111/LNLIILddIIIoIdILIL/Ll/lldd Account Mu ndmr. 5178.0520-7703.5141 Miele Mild tddra/ or Om e musitu dwyn Mow wing bbm or bind inL Addier t103134264W473E3e MAIL It NUMICR KARCN NARaOL! I'll RoLo CT aECNANICS"G. PA 17055-5049 I IIIINil 1111 IIpIlI11IlI VIIIIIIIIIIII IIIIIf II II1115(N111III Pleats wrke your somm aumber on your Chad or money older made payable to Capkil One, FS.$ Ind mBM wkb this coupon in dw w1wed emv*. aeadu Y.?r?Irar?.t?lrYw w w.rtira w oor.rrwY.fYi.r?wrMftiYrrra rw rda r?M?? ?? MwnMM?i.WfYNr•Mr•d•iMMr R r M ON ? • VAmpr?wY?Ya?rM fr?rw,„r rrMYr ~MwrM?Y.?Yn redrMM.?•wi.. rMat rrr q i. Ar P IUl is a rdsom MAI/MrIMYwi Nr "PW dNMftMYll A hN 1w01!411 Mlrsrrpw M.un sNMfMMYiM.MaNaaNt My MMIIMaMr•aiMM?trrirala?rka?wNo YMararwywaWMMYN•• MI ? lops" k.f? M Pft rM aipA vu"C. W vw ww MNMyYMrNrlr Y?rrriM? 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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 Intemet access, you can make a payment securely online by logging an to wwwcapitalone.com. d 2006 C.aeNr! Owe SeePiea, Int. GAiMI Orr B s,?'r/nidy pgiwerd seruine atsrk A9 rilfiu rYnreteL Plevtow OWN" P6ynrnd i C"ft Tra"mdmw mm ewwwe mwmn pnw" Due oo =3,126.80 50.00 + 370.70 + 539.00 $3,236.30 5280 00 Jan. 19, 2007 Nov. 21, 2006 - Dec. 10. 2005 Peps 1 of 1 i nsAn erArueet eawloswl YVAS W dad by lw o"I I6. Lors"K V 7o" 1rl?gsnendd dMl c' m W cork in tis you niin " Atxalalt PROW -vie wntbb*LerS%"M% *vbadasoM6ailetwattbedtaryou.OMeusacd1st lITI 1 7r10r91N 1A10M.707/. Yo w AfteM hNiwroodw TOTAL CREDIT LONE $3,500.00 PEMMIL Cri tb i Adhoftionnt TOTAL AVAILABLE CREDIT $264.70 CREDIT La6E FOR CASH $3,500.00 AVALABLE CREDIT ?R CASH $264.70 1 110EC W DUE FEE 2 19 MC CAPITAL ON6 MONTHLY MEtNBBt FEE 04.10 a ?Igno6. fi6ep66lRea.seps sewnsiporaMiwp M?NbiaFsrlyo? t4wWoFrwbusydiwbeedtoya.mssa viffYWAMAWh-1M??eAeM(MlpWhalen s se a e=0 re4 AFK ? CNIOiO! ????amwOwFlMdwRiAattn6rFwtlzbCgq?dsailyarnYrlw.eMssdy 0 ?????~'?? ?MNnseesinM Rrrelr 6wown Pwdam $1,6$7.01 OXHI%D 2LU% $tba wYimn?nartlyPeywo1411*01or12WOWAwM9*1KNooao 00bet6ift two Cob $1=.92 OW712%D 2611% $14x1 poelW* nMyosr**MoiWYAPR. AA[RATEse6MdlNspeded 2L11% ANINAL Youmesu radepOisfoebmwyairaWmaepW Mvmrm easMedbyl*dwd&TowW ftlwMlwMse.va awmaddatyWillawatMrt7bedtMes"bryaani*wnpeywaMbned ® AtYewouvimi461413.m7 CIPW one. TeoACwhowli l l abnWvbMaWw=* 6sN Fayw * OMtdOw F,t1•P.D.GoRISE-ON**.WCb272.OwS O7eMdOw • PA.6w70a16.6elUleCib.? Ntall9wa 6056 -SOS 1 1 19 061219 PWR 1 of 1 0111C6056 PLIM54 AMON PORTION SLOW WITH PAYMENT IJ?tNg' I vAvwh in yaw vwldr T 5176052077035141 19 3235300400000280002 New BI1nce Midmum Payment Due Date $3,235.30 3280.00 Jsn. 19, 2007 KIME PAY AT MAST Amount Enclosed (- capital one, P.s.1 irI,.Il6errU111,1„1 IF 166 7N1aas <MrYoten Ne 1617$-O66i b.teih161rbNrI,IIJdILrdldJrdlJdJrrl,dJNlrLi Aaount Number: 51 76-0520.7703.5141 flows pink oddnw ar phone rumba dwnon below wing ben or bbck inL Ad*ws 0403544i611117113a NAIL 11 101111199 KAREN HAMMI 4511 11"L# CT NECHANICfM1R6. PA 17095-5661 nllllwdliuni,duiduilidwllluillrilu,ielhl,wn Plow Write yaw umnt numbs an your dwdc at money order made peyWe to Capkal One, F.S.B and wall WBh 1Ms coupon In Ow endowd envelop. 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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 fine check by phone service or speak to an associate by calling 1.800.955.6600, V 2W6 GRied 0w Soairrr, lac t ajW On is al(rdrlafly ^Kirtrxd nrairr al.rlc AD>ilbur -*a4 sooaloasol l n"= P"Wts a Cradle W ca hwkw TrMMaelm Nate Belowe M111knuropelftnew Doodle 53,233.30 - 50.00 578 28 + 539.00 53,352.58 53800 Feb. 192007 Dw. 20, W -- Jan. 19, 2007 Pepe 1 of 1 ' a _ r as1•/wa:1 nuN uwrAru YWmb1WWbytMP1ymeAt,TAtl-o trwyoua:sbinpoareyvelb 104115 ellarye OPSWOrpd06h IMNtltalydP4dleanAteouM 6fl61i1?7763a141 !drllt, Butywwapeby-CepRt 0w w•ft 10epMUdbdnQyewloieelRbooklolepood d l e np yaw elwMnpbrpw41*wounldn46youryYleeleANNym tberYipiwldrtdom"a ledow ullon Y -rw+erfblMp.tareontolaurteeodtgtlaMdt,pBD.86S,plBO.Youdbewrpdradwneta tNtr oendebpMNrbcorklMrout TOTAL CRWIT UNE $3, moo TOTAL AVALASL 't CREW $147.42 CHIT UNE FOR CASH $3.500.00 Cf6dNB ANARAaLE C RGOTT FOR CASH ST47A2 PABtOUBP? 135.00 1? FIMnw6Aar aapiM»t•.nw?+ebrbpabntieWmNMil 4 1Y WV CMITALCIt?MONINYM9 FEE S4.0D b P. ca/ a/p IMICE N B 6 b UW%rW=pndwr?rdk*Wbye wm*rdofVwAwWP-map ftwO )kwetem And"" $1.TWO OA7112%0 26.15% $10.75 kwandskwaywremOvies petldweWoo Intop tlllb*oWOe.pyourebtharlebMdy Ced+ S1.S M 0.07712%0 3.16% $77.51 b?,eland,te0ee9irktdtitlpleedttalaN6dB:eduapolydtllnaeeeedrdeaRnaen:bel pwwtatw AIB$IALP?HIfA?RAT86ppBedlhbMrMd: 7/A$% youeikdaum+aarldy0eiteeulabelkrl2aartalrntbkrepoydM.ldleooorAwelbelwiew?tdtat p•etab rebre b your NeaJnYabtbly APR. ® Allewsen1os14IN4103.w Nhn)quNouii•6tdNdtaepyl:tMloueWllbieeW6MhetquNbbnnelMironlyoordlldtbledaa T.cidOYMNafNdMktterbwpMSlwtar/kW1a1d pMIIMteellitbAdMltlbr10n1yDDre0001XNOgP10GeMBMptPIY6d11YlnML1eRYNMnWe uMbdnmAarlrasyludrdtgm/atnebtilodcW bw4,Awlenrybe Whberebw ymmoolult ® $eMR lplx asnontefe mMdgwerto"youPlyuwlL6ndyouwliroiretthelauraMdibtdtiromyourtlrlldtl CaPa1F0a, fba • PA. aml Meal •Ceaexn, NC11Ir!•Ow ineDudp? Yww1a •MMe•d! p/M dw 1M btRIIM your 016ere1•a peynllld Iqt nd wwlwd bJ6wldlr title. Teewkl ® pte%Mt?tllM10: EdebMtlltkb•t.rilrseownwndlhetyourbw6lMMl76ldnMSdeytloryov+old:lknlptywwdgnlr>b G11/10M•P.0.e.10715•?IUkeCe/.utM170O11S Clow 6Da6 506 1 7 19 070119 it= 1 Of 1 019C60S6 PILAU Re11MN PORION MLOW WPM PAYMENT ?]?' ? rNIn4 inyeurw/NIt?• 7 3178052077035141 19 3352580400000360005 Now BRI W MOM hyment Due Cite C53,352.58 5380.00 Feb. 18, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amoemt Enclosed Capital One, F.S.B lliniiinoililflnl! P.t. Boll Ta666 charletto. NC 26272-06as i,r6ulrilrll/N/Ir6ddIllitildl6rlldririrlil/irlrrlliri AccwjM Number: 517S-MO-7703-5141 Man prW eddow or •llorl/ member dango below u1a+5 blue or black ink Ad*tn •204i67]1?7320a HAIL to NUMBER KAREN HAS"LI 4SAI R•L• V NECHANICSBUR6. PA 17066-Seal 1111ii111lll1r/alailiall//iIIIi11l111IlIlIl111/11111i1n1/ Plem wft your account uuuber on your cWdc or money order node p"We to GO W One, f.S.3 and Mal with this coupon in the enclosed envelope. KAREN HARSOLD dftVs mbww. w?Z= rrrlA??le?i^r ? S. A?MOrMp?f LTaM? ?hr YrYMhr r r,M}Ir/rirglrtlt k MiarY• Lpr,tlMlw?h? (OaMNtCq,wB Nbl? •MYM awwtlrrK.saiaerE .. AdMMWMW M U%, Or a w?w+Mrwr+satlrorrwlr? 1MrwMwMNdirl,rMYtltl4, irir?w• r ArtY,IMMr?Nr ?wrMwNi?tlw? ? ? iOr?4M/1?rirMrlMy114rM1AMr err trM'?Mrr?r?MlltlrLAl? NUrMM hawk YM.?tMitlrr•rrMYraMM ?wM, /rw rAr M rMiwri w rw Yr! rwra r M r/MMrU UIrwrMMrr?r? WPM waaMiwr.wNatfirp.rMrM Ylrla? Y?MrtMMlw h?..rlrwlN?riYPWirYw?wwlYtUWr?«w1?riH.lr'w (U}rMM IAwpiY/Y?Ylr?wri?wrrriYYririr?Mrr rllpf?rl9rrtYw?M1Y??rrNYiMrr yi'wtf {prwALiwwier4frQtl+rrpre ?rr}Mr++wMrMrr rrNrriewa ?yMrM+ngrtMriYrAMr/r?YbMR?r?MMrf Y??tlRr+tlhtaMy? tYr?wrNr+?•M/wAnMtirI?M1rIMKMtlyrl+Maswir?rlfM rNIIYw YY.r?Y?ItliNYwrYwa?tlHrr?Mw?NriYr?w?er?lrYY??wr?rAwMr rMtYirAn wlw?rrr?Mr4ltlyrrdwY wwlarwrtlM11iM4Mr?w?rM?r?lrpY M•r rrrr Mrr •1'wwYM?1?Ml?w r11aMM Wrladrlll/11wpwMrYYnaiL t brrt?MYraNriwviwwwtwlam?Yw i pr ri ?qiy p INMIr ro?rM ri/+rwriY 47i?40st?plLY/rYAln Mr?PVrYrr: M. ?• 11MIrM yy?,?/M?.w? FN?weM YCaPr+M¦.AfylYirrw?d.09 MCWOr Cwt. wheys in your wallet?' TAKE CONTROL OF YOUR CAPITAL ONE' 500011 ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSIABLL 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. Vou can make a payment with our ice', check by phone service or speak to an associate by calling 1.800.955.6600. 0 2006OWmlOse Sffs*w. hK Gytgf Oar b ,r?irFm@j xlimrrdrrnvrP tarot. A9,41m ommed 5e0011•011M PNNesaaab P acmft Traaa dim Naaaalsome taMmumpayayErtt 014 01110 53,352.58 50.00 • 581.12 * 539.00 53,472.70 6484.00 MaK. 19, 2007 Jan. 20;2007 - Feb.19, 2007 Page 1 of 1 .1% neatsasNWSusmom Ilulslllird Pk*A n A coust 517M67?MH Youhe betind byldrpgwaes You atlltedt nWa erg rwwpuedfwaomh adwrlossayoursooouN, Bul yoYOensarapwl?d+M01aI,p??bbgyoaewlulAballbbamdstarMrpbypayb0? aweuaa deem yourdslarnd latlal h nss120drya.IlnbAnMapq Uwe den? ueaM a ssadarROSlwae. Your dot 0WA Mormatlon we weyima Is Po -001 aspard ym dnral o pros. Mead WON us a colt IMA &M. wel"kmewtossewtal sonrep5ansswbm w sooraobuntslaw. TOTAL CREDIT LINE 59,500.00 TOTAL AVALAKE C54ED1T 527.90 CREDIT LINE FOR CASH 53,100.00 AVALAaLE CREW FOR CASH $2720 FIRem 7ChwM PbanseeatwnetabpolWdbfoasala) ap=b rule C Pql? PadnsR 51.705.12 0.9rff o 26.15% Sao Cmh 51.607.78 0.07/12% D 21.15% S71M ANNUAL PEOMMUTAAE RATE spOW tb pwW: 21.19% ® AlYeer- 1, 1416403-M ToaIC7s- RolsasaabnWaNdaalohaeat CaP1M0frs, FAA • P.0.1aITe1S • Cladoas, NC 2C1r2•a11S MRd brturbbe b: OfpYOR• PA.sa7/21E • Ste la1GCA, UT NY10.0m5 PSYMMIL C radh A Adholn nb Thmom l 1 IFE9 PASrDI1EPEE 57610 2 t9FE9 CAPITAL ON:t10NKYAtBWFEE 54.0o IAudabwle pwrioinlyAadomd b yoa, soars a Maf your Amud Plsoenb0e ReM (AI'14ihasa been kPMW abNyouramolattrm patl dusNdos b Im plat 12 Wiry s7rdaa• gym retie tasesirady inaaaaad. aMlanedltlu5sendea euarldld Iwdlwlonof tlw bawaaadmaa. Rewallla: Uwe me" yea abdsarr az ft pryaad a &%1Ir 12 oo w@odse bI1%rydm, ft soorure to be wilsoW fa a pepaft"byesW aladltdayAPft You tow smsamd a pat doe M bemtne you ff"YOaa payraeal was Got ns cued by h due deb. To erdd OboebIIa1Ase,tareoelalaaMlMyousoardbed7ksk mdrys[ayawwM mpeyrsaebnedr Capw0AL "-PbmNob-Sownoft*bmnofyoaa=vmewdanptl0 PbmewadIreadmedea-Moe1 Goss sal 1 7 la 070219 PAM 1 of 2 01R00056 PLEASE IlMM PORTION sEWW WRN PAVWW (' 7 5178052077035141 19 3472700400000484009 I vArt4 in yaarwialan' Account Number; 5178.0520.7703.5141 New ialanes Mlnhnum Payment Due Date PIeRa Pfe11 addrRa or plWr¦ rwnbR frN1,IR bdOw YfI11E tall, Of 61Kk Ill,. 63,472.70 6484.00 Mar. 18, 2007 PLF/ PAY AT LW IM Ibnw IAona AMM" PA¦na rlas ArllafNr &asl/adsar Amount Endosed 61ooa3Y2a'13ST7)aaa nAn 17 WU"KR RARIN NARaOLa Vie! ROLO CT CaPLtal Ona. r.s.s nECNAN225111rRG. PA 37055-54,44 P.o. sax 70aa5 6lrflllofiroii"i'i irnlilarine,ilinidfriribisrias,idd+¦ddidrr 4,i Ch"lotts. NC aaaia-9"S Iff bllrr6lrlfllarslrrlrNlrnlerl rllfllrlrltl nlrrlrlrrlrlrl Fbass taut, your armors r5mber on your dmdr or mo" order me& payable to Capital One, F.S.8 and mall whh ft wupon in the ,nosed enval". KAREN HARDOLD t. 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Mr m TNd.wmmfMm Rr Yiw/Ymwrlrwmaim M ? , yy ?.m a ?mmm14.r!AM4 arim.lirmrr .amimawmaawm, am lmwami.tO.mA.wYw.m/?.mW NOW fmwaw dlmwmlmwmmlimlmymw.MaMmw m = mmnrw..r.raymiliw.nsai'witwmmtmrme m dMff+IF•aaymw w4•?aMm4wra- r.a.mmfrlwaN.wrrrr.??.?a dw mm.mmmyaAyd)fad*!Tn.m ow wsrmww.mmry.rwmwrdwmnrmwM.rwy M.w.4rwMm)akMlwwNoWbdr.f so mm. 44 rrrm mrl yetl vow TmmdmvWyowiM?Mlydwgm.wwym" a?lli0y?• mlmlf.?mmdm4 ywmmmwldb rCa aacroem. m. uamAd woma 11 /?r)r¦ml.«dlr.mmrl.wmr?4.d.lrMmmwOn?wemMaMwMn?Idim.mM NYwww.wMttY.rd.iM. wmrYbamw+r/udYm..•dgmrmWl?wDmr.wwwl.wimr?eMmr 439 rBlmmrr11111wrd1.wWywAYOmMMigwYYryyMrrwnYwN rd.yrwYmdm¦ei adM ImwMwmMOm.mrMmaya.dwm.rO.YdwmM.wMwq••M?Fa?Mm?m4 Flm?rd4a Mpw,yMdlm,wew.Mf.mmf.MM.4 268101 68982 Is important natifictation of a change in terms to your account Your account Is changing. 'these changes will start with your April 2007 bMng cyde:* Uft ftwn W (Post DLw1 Fee Your late payment fee will be based on the amount of your account balance at the time the fee is applied. Balance of $0 - $99.99 = 319 fee Balance of $100 - $999.99 - $29 fee Balances of $1.000 or more = $39 fee Over-tIwtu?ft4Irn1t Fee Your over-the•cndit-limit fee will be based on the amount of your credit limit at the time the fee is applied. Credit limit of $0.3499.99 - $19 fee Credit ranit of $500 - $999.99 a $29 fee Credit limits of $1.000 or more - U9 fee tlYh t Not Changing Although these terms are charging. your card AN features all of your current benefits including $0 fraud Liability and online account servicing. And if you are currently enropad in a rewards program, you will continue to am rewards on all of your eligible purchases. We truly value your business and look forward to serving you for years to come. =02 see rewtilw for more information, including how to decline these changes to your account. Please retain for your records, sass $14 a , sa MUS ate a of a otatxeaf if you decide not to accept these terns You can choose to decline these changes and cancel your account. To decline these changes, call our automated system at 14100-2114-5032 by midnight EST, March 30, 2007. Please have your account information available. If you decline, starting March 31, 2007, you will: • Not be able to use your card • Have to cancel any scheduled payments you have set up for automatic billing • Not be able to redeem your rewards, if you are currently enrolled in a rewards program YOU decline, you will be able to pay down your account at your existin terms. if We will close your account after the balance you owe is $0 and we confirm that no new charges have posted to your account. Important Information ` Your April 2007 billing cycle is the first billing cycle with a periodic statement closing date on or after April 1, 2007. These changes amend your Customer Agreement All other account terms and conditions remain the same. 0 2007 Capital One Services, Inc. Capital One Is a federally rogkterrd service mark. All rights reserved. ` what's ;'„°` „?,. IT'S 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! Lot's work together to find a solution that's right for you. You can make a payment with our km check by phone service or spe* to an associate by calling 1.800.955.6600. O 2M CrpiW 0or Sffmikm ha. Q#W One & o JFleraay+rdiltend terwrr nrirF AN 44brwereei 60Ee12-08502 P Pterlwta Mime PlytI i Craft C R E New BWM 1 kft m Payment Due D1W 53,47270 - 50.00 175.81 + 539.00 $3,587.51 5591.00 Apr. 19, 2007 Fab. 20. - Mier. 19, 2007 Page 1 of 1 rim IMI a wa mw AMM AtOn! You'AhelilibylMeppe?Inn?bbbt5aeVePemww?ip6uywdedyourdte?NNPrld6yM•Nlaudontm6Nee atdldale paynwntttfNn3ldryadM PapnNetOue OebMlawll onadaalElEtllale rltlNcaelpeoNytw 1eaffi111t41q , 6Oaaunt mldtapEA the dwtpaadtaglua baaaelmrl taaE bleeaue. Plwa Itat1 M qtY happen. NyoJm Yt11N Aroowt Inlomeatlon faaagOetrteuilNO. tat a at t,100.a11.1100. YW1YgAc eah pOU b maoke Flq awam. TCTALbREDRLNE S3.6MM TOTAL AVAILABLE CREDIT SOHO PariNMIL ROME A AdINUMN CMDIT LIE FOR CASH 33.a00A0 h AVAILABLE CREDIT FOR CASH Sa oo i PUT 01.11M 1 woo - F(PlewsaelsvettNarMpalgnlYASlwetan) 2 IN Mot CAPITAL ONE MDRMLY MMMER FEE tµ,00 '? ? ?Ila L1WWlmewFeAw*dmftMbyaa wow sodwxAmridP alaateetRNrplPgaherebaan OA7r12%0 21.15% 31010 W35 07712%0 21.15% $3L52 0 ?Ydas Nia w5ouatttl be nNmwd fare ?d AI! RATE tnpMd tltle Marled 21.15% paulhl eekninywNo el" APR AtTaartwrlaa t eM4p>13T YOUwwe ae9MWI PW&*f*btwuyew mWmwpepeNatra6 net,eoatyNtrjNwduedMe Taaiald hhlb ixe MmyoudwslbW7k* dapef*rWjmidnmmpip - tometlt 7oai0etlwmlWeraa/weaal/raadMale 6f oft deaa paplaM? ? CtrtleOre, F,aa• F.O.an1011S ? CaeIb1M.NC2aI17.OIK sow WOLIN IN C"MOM • PA. as Mth • ma LASCb, ur 84IM42M 6056 506 1 7 19 070319 PA13L 1 of 1 01806056 PLEASE NU MN PORYM MLOW MrM PAYMEM taplRlNip 7 5178052077035141 14 3587510400000591004 r? ' nhert in Yalr weMr Accartt Number: 5178-MO.7703-6141 New Nblnee Minimum Payment Due Date PMoso pliet tWOrgl or pMno ttwMer taumpee below udeg tdue or Work Ink $3,587.51 5091.00 Apr. 19, 2007 PL ?PAYAMAOgt?El15T 11anw PNone Aantree /Axle Larlf6ddne o ' Afaaurlt Elrclosed , a7087"26133173260 MAIL It NLMRER KARrA NARSOU 4521 afto CT CaPltel Ono. F•S.a Illululllilulltlul MECNANICSatM6, PA 37OSS-seal P.e. NII 70NS Intlllutlllnulllulllnltlllultlullltluulllltlaullll Cher3etto. NC 22272-OaaS Iultliolm IIIinllult IQutIuIllnlttltlelnlttltluhltl Please WIN your 30MM number on your deck or money order made payable to CAphal One, F$.N and =I whh this coupon it the enebsed em lope. KAREN HARWLD r.OmaPWO&Ybovffih aOwAtow owpMwd75 me -264 OWY---rNONNWWINNWMOWMsw? iryaaMWMwdrpaawYpWarr,w i?NabaAYbaMYr pY4aaarn'url, a. NdYaAOMa 2W0MMWACb"OrrwaM adwwMdwtiwyWMwrdaan Wrwalrr a4rrryft6vL* mNMawwa rdM Mbwayauprrwadmdkwpa?aMa,ywau6rNa we dr4aaaraapaytwlrMM'W?MMrrp',b MaaaaldMwwda?aaaarawaa• pNMbwpNbppNs?YMrtwrAMNMYrawaM awMMafuMMYyrNrNabaaprpria area 3, AMWprpgN011WWN. • d.MwYNMIYpirMlYr Mpkwrwwbreew MNtliwwlYrYtpNMdMMYruptfMwYM wllrNir by?NrNp Oilr p+rwr • wpawptnaAwcMwrw? VAMPw*. elwraar laMpY wOlYeapaAtl aeaaaAlwlwa a APW06@ NMMwwNIL YYIMIIrI Nra tpralMkrMYaoofto W W?prlMraaMaO.ApMIptiMwYwNMWw • a.OMaMa? lOwItWMNMLM001C aarr, NadargraabMlawM4ataaryaawrMaa Mahn IMr aaprri?il prpanol parMYld aiwY • alb (OwMpCO). MpyayawMpwNM ww//a??wawlbrynlpp??Mprr?Mpa,,rdywM 0alma. d? MwaalpMabbpaaMaaOlp,OY/MN/a aaaMNda tYrdlaiiaMtarayNriwaYNAMw. a• fNWC@&O ftM1Ypawl?Olaa "' UWft r 0 pMAIIGOCIM10MdlOHa/Mbrnw. a. t a, wwsomp t"Sm in Pb~ QRMOM NbArrwM MN a. MMw r aYMMrurM?wiWaNMN??raiarwerMO, toeaaiwappyarnMwwwraraaeaepepar enorrpwlwaaMlfiaOWwwaYMlN/aawMa toaaamwrbbaYNewwa+?wpraNYOam AbryauragplONaYaaryanNlarMYYwrMww ???? O?Y/MaAMaaw wr r aM ewaY/NiMWMMbppal???OaaMrMwaNNniN,wrl lpla warapaMMdAaMpwytyr a?aalabwlbM ddnM dpMal OMNaAparMrwlwp MrdNpuwdCapYlOna rr .AwawdlrrdawwwYpaMa:aMr pauudM Qaipraaaa• Ald0ft NaNl '62MOWWOr rYMrraw wta+rpawbrwNwrrb?waaMarlydMabdwaM?aMMNtMadld plraaralM NrMapalMdMMNIMMtN}rdraYfY W wirrnwyaMrplwMpraY apiMaabar prripMeir yapw KlrirwllAMYbartardYwMpNprlaMMaMrMOaaMprrtMraNMNayrr.pMbaaabwb gaprNOprMNrMdrdaupgwNYMatiw4rbdwwla wMmyrrMibpa f.aaOOONMMiP• }YMHe w ? otYa, gMayt Me var MOrb/}n 14ara CMpMWOne• NOT PAYING YOUR DEBT S0D013 I wMVs in your walWe DOESN'T MAKE IT GO AWAY. In fact, even ff we report your account as charged off, you'll stilt be responsible for paying your debt. So why not call us to see what we can do together to keep you from receWing such a serious mark on your credit record? We're here to help. Plea w contact us to find a solution that's right far you. You can nwke a payment with our iw check by phone service or speak to an associate by calling 1.4400.955.6600. MPW1neyoucalapaythemomdaanyour lmemaeItoWVyaaermwh hm being &a,* off. 0 2006 Cq" Ow Semen, rw. CAphd One L sfeJrm* mwurol un*t reek AN Pon nae r A SOOOf3.047W MWA N s PWAM "no Pays a Craft 7Fanaaadam ow T ore P y Red Dun Oab aNnoa 53,587.31 - 50.00 588 80 + $82.00 53,756.31 =703.00 May. 19, 2007 Mar. 20, 20D7 - Apr. 19, 2007 Page 1 of 1 ! ?arterKfARnlargwr Yaurassaatb ablpgtardsbdid.MwdwOedTOUraioaM?tduebYbpa nlt,rwwYrrpoANa lwm Aoaou4a eAngsdgll bMwd rMlsad aR+dit 6uaaw, dad 9u PuabawAPR M nMtlsd as ft sedsaltae alsa 91r6a10rra btapplsdb?youroldsbnd?bdrlss.Adnaabprawiaa4a9aabappuag PbeespayUsowadaa rowAbeountGdormallin myour I l 'ardowaedd1.N0.066.dE00,WWwdwahyouseyouomMIAstaiWolyow aooaae and sAn robualrq your oadt?M9? Ctp(pl0ro. TOTALOMiT UNE $3.600.00 TOTAL AYALAaLEtxiEDIT $0.00 CRtW UNI FOR CASH 33.500.00 •??y?wpwrbdydNrJOrdbyau,youasaanUsaarsApbltroraAiOww AVApAattFCREDirFORCASFi 10.00 bMnaYParorAspR11M(AP15jsNa0sbrw?s?.Hassw. CgRMpunrabgrdaslbntpyour APplr 44914625E PbeNbO sddssd9a19yw1dl bAaspyou soaount byeod ?haalq. Capi410ns rlsarvsa tl1 dpMt b n1N you AP9b b Ib 1drn. Fw¦¦e nwraelorbpoiWakibana9alry a r ? Pa9Rrnb t?ndMa i Adlagm4xR9 t .10 0.07712%D 2L15% 116.67 D0 OW712%0 26.15% $1023 1 tIAPR PAITDUEF? $1600 sd. 21.19% 2 19 APR CAMAL ONE MWFI 1Y tS OM FEE14.00 3 11 APA OVH W IFEE APR 11.1007 139.00 ® PAYWOu 1, 1416AU4W T.wtaurr¦Rtrk.ar.¦poa¦btta¦idacrr Yww MeevedopeddusbabocamyowrolidaaaapayrpndwgnolniwlwdbyNs4dMsToarOW 9iMin9rlulwl, sw rseonx¦aid914ya slAra dIMNT busMaa dsya far you nA1nMm ptys4ru b n4ab 9saA IN CoOdOm. OrplrlOaSF!!•P.0.41¦¦tOMS•CMaY.MCa A 9aRdbq¦ibsbt pabldr • P.O.a¦¦30?5 • arI taq cq, ur Mt]Oro1s dose s0e 1 7 19 070419 Ph= 1 of 1 011C6056 KIASE RE7 OM P'O MON P LOW W1TH PAYMNT 7 5178052077035141 19 3756310400000703009 Capffidow wk¦t4 in yon w¦IwY Account Number: 5178.0520-7703.5141 New Balance NHahmn Payment Due Data Pb¦s¦ Pant addres at pMrr?wmber d"a blow usnny bkm or block ink. $3,756.31 5703.00 May. 19, 2007 Ad*= PklIASF PAY AT BAST "W" Ph" AAorrNe PhO?M TiaS AaOlRit Ear¦rTadian ? AmWnt Enclosed 990110426911973296 MIL ID W"Rit KAREN HMOLa 4$21 ROLO CT Capital One, r.S.0 Ka"ICSSUR6, PA 17044-6444 P.O. iea 70425 Lbrlodbdl'I'I"I InrlllnrlllwnlrlyddrddrluLloLLlo.dd{dmn1N CRar•10tt0, RC 111173-0001 l.rl?llrr6uldloeLJrllLnluldnlnLldn6dduLlrl Please write your account awnher on your dradr or money order made payable to Capital One, FS.B and toad with thb tffiq 1 M the erAkW W"*. ts. O.N. Pau& 1A.?MbnarY.uo/NrMNOOa? M.wNrrrpbM DN.brrwrYw¦ esomedI..Mdwyfta rAb ftmmf e 6wdR.N11 rlq. «rNrprNwM.w Y?w.NNNrr.w ?.d w w iwwahr . . rMwarrwrrrrw iwu.¦¦t . N I M M .w w N Y b wtl. N Y w r r w ?. mo..w.rw.w Embow wa" ' 'Maw Y r / . rD a.ww.rw..YnyrMrelfN.wy.-a..wa. b INN IrNy.i ,Mmy I M MM l . Mw lr rY e nrM. . l M M w Y 7.A..rr¦w?MArrN11a? V*MywMrr0 am$! N SWWMW wwwmail INwI m wr b.wN.Mfaw Wbr sAbNr4rN.MDdrNwyr....r?r?.r .. 14.bw"AN.r?.w?YY.IYYrN WOPOW r.NN bwWrbw t?rb.4¦rnwar?rr M eMMM/W.tlr.rM/NM O.?r«sM+MrY Md w r b N i w .s•IM!«M 4i1rMrWllr.i C h Y p 1Y i M NMAw. MNAtiMM*m NDpwMN (1MMWwNw yY.IWkUMIrN«WwwMNwM1 .N ww s. .N. l=M ssy.r...Nw Yy.u 6.NyNyM w ?q.?y PL . Y as& N rY1, q?N (OwMMCOI IYt MNI? «NrbM bN N.brD rrrNr YANN.• JN?YwMI.NlrNtbM.IMM soft Y.r.rwy..r?N?..?w?r M == d?eer.NYrrlia?.9rYrrlWd•rYl .rr Wrrrrr. !!wf! rYw MMblrYrr Yiir MrwNr? br n NMr/.D pb?yMM?I1?.N?yt?OR?, ar O l O rnmp N.b*.ri. .. ti TiwN..yNI./.1/w b NUNN elnp ft"WWUW tM. MN I?y.4ilNwm wP.w1.w?Ir..sbw?Irlw.r.irr?bY?w/lYww?rrRr.brl9fw•MM lrpAt YMIwN4wNtrRrMllMNrw1?NMI111MNgNrrWNNy??lriAllMlYw/.wdD wIr Iy3NiNQ yl1aNNIlI1).YNl.rwrY/M.AbIY?rMb tMrrr.rrMwrgrNrwNriM . rAvn l?y1mw"Op"Ift pw WYIY.?MYMN,wMIrWI?. P? t ON11101MM'A'.wrMwllMaAorr.e.rw i Du uw qNy b bwww ew+.A ww wieurr C'? :OuNUN??R? Iww.YPrNANI: r..r C.NNr 0.. N a I W wNr wrrwN f MM. nrt d qYl OnN yMMrC.?PrM... ?INI4 MYw1.0300l QMMMdr IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. CAPITAL ONE BANK (U.S.A.), N.A. KAREN HARBOLD Defendant(s) NO. 08-5773 PRAECIPE TO SUBSTITUTE VERIFICATION Filed on behalf of: CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA_158D Prcp Substitue Verification P&F File No. 08-12947 4, N 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) NO. 08-5773 PLAINTIFF'S PRAECIPE TO SUBSTITE VERIFICATION TO: Prothonotary Kindly substitute the attached verification made by a representative of Plaintiff, Date: November 12, 2010 PA_158D Prcp Substitue Verification P&F File No. 08-12947 CAPITAL ONE BANK (U.S.A.), N.A. for the verification of Plaintiffs counsel filed in the matter captioned above. Thank you. it A CAPITAL ONE BANK (USA), N.A., Plaintiff, V. KAREN HARBOLD Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to t best of his/her knowledge, information and belief. Dated: ?,4 J i iams A144 PATENAUDE & FELIX, A.P.C ul. M I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Steve Portko, Esq., Esq. 101 South U.S. Rte 15 Dillsburg PA 17019 Date: November 12, 2010 PA 65 Certificate of Service P&F File No 08-12447 `-r l L.1 -PZ.7-1 VlJ ' f ; -'TIBUi. ` iii LOW :i tl . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) NO. 08-5773 PLAINTIF'F'S RULE 1305 NOTICE Filed on behalf of. CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA 183A Rule 1305 Notice P&F File No. 08-12947 I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. KAREN HARBOLD Defendant(s) ) RULE 1305 NOTICE NO. 08-5773 AND NOW, comes Plaintiff, above named by and through its attorney, GREGG MORRIS and the law offices of PATENAUDE & FELIX, A.P.C. and files in the following Rule 1305 Notice. Plaintiff may offer any of the following documents into evidence. A copy of the document is attached hereto: 1. Application 2. Billing statements dated December 19, 2001 to May 19, 2007. P&F File No. 08-12947 Date: November 15, 2010 PA-1 83A Rule 1305 Notice Sir! L k 1 L M 4- VIA, oil 9 a 0 a 0 w .o w Ir % a N N' A 00 w ? .r? •O V , V w V I 1 1 kit r vim CS va 0 CA d P +?i ® to low Your Credit Future Is In Your Han Ca ds what's in yorr wsl1et7" Capital OneO 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. 999-1101 COPIWOWNIIIIAW IL Account Summary Previous Balance $.00 Payments, Credits and Adjustments - $.00 Transactions + $990.76 Finance Charges tno New Balance $990.76 Minimum Amount Due $29.00 Payment Due Date January 19, 2002 Total Credit Line $3,500 (Non-Kmart/Cash Portion) $3,000 Total Balance $990.76 (Kmart Balance) $481.05 (Non-Kmart Balance) $509.71 (Cash Balance) $.00 Available for Kmart Purchases $2,509.24 (Portion available for $2,49029 Non-Kmart/Cash Transactions) At your service To call Customer Relations or to report a tort or stolen card: 1-800-830-7524 Send payments to: Send ingaides to: Attn: Remim c. Processing Capital One Senicm Capital One Services P.O. Box 85184 P.O. Boa 8501,5 Richmond, VA 23285-5184 Richmond, VA 23285-5015 Finance Charges Pleme see reauernfidtfor important information B.1-we Arisdie `7 "' RE - .yplydto mar 5 . KMART PURCHASES s,00 .00000% .00% t,00 NON-KMART PURCHASES f.00 .05014%D 18.30% t.00 CASH S.00 .05014%D 18.30% $.0o 10611S GOLD MASTERCARD ACCOUNT NOV 20 - DEC 19, 2001 5307-5820-7703-5141 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 18 NOV KMART # 4275 MECHANICSBURG PA $78.18 2 04 DEC KMART # 4275 MECHANICSBURG PA 380.46 3 08 DEC L AND D TRADING POST HANDOVER PA 40.26 4 08 DEC WM SUPERCENTER SE2 HANOVER PA 110.14 5 12 DEC CRAFTY GENERATIONS HARRISBURG PA 259.70 6 14 DEC CIRCUIT CITY SS #3720 MECHANICSBURG PA 99.61 7 14 DEC KMART # 4275 MECHANICSBURG PA 22.41 Kmart has reduced prices on over 30,000 items storewide. Use your Kmart MasterCard and save even more money by purchasing items for your home and family at great bluelight always prices. Shop for your family and help your child's education! Kmart will donate $10,000,000 to schools. Earn money for your school when you use the Kmart School Spirit card. Enroll in any Kmart store As an added bonus, Kmart will double the normal donation to schools through the rest of the year when you use your Kmart MasterCard and your Kmart School Spirit card. From your friends at Kmart, we wish you a safe and happy holiday season Make your holiday shopping even easier this year. Give a Kmart Gift Cud. It can be purchased at any Kmart store or at www.bluelight.com. It's the perfect gift. Capital One, ESPN, and ABC Sports are taking to the gridiron this season. Tune in every week for great college football and the Capital One Halftime Show. Then on New Year's Day, be sure to watch the Capital One Florida Citrus Bowl-in which two of America's top college teams compete in their final game of the season. It's football action you won't want to miss-so be sure to check your local listings for games and times. ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. 01111PHWOnea 0000000 7 5307582077035141 19 0990760000000029008 New Balance $99176 Minimum Amount Due $29.00 Payment Due Due January 19,2M2 Total enclosed $ Capital One, F.S.B. P.O. Box 85184 Richmond, VA 23285-5184 hrLLrihn611rrIhhLLrLLrrrIlLrLtLdLdttLdlirt9l PI-jormt adkea ch ga hd- coma kf re or klak ink 0.00% Sneer Apt # Uty Sate ZIP Home Phone Alo,-. Phone #9035442891197323# MAIL ID NUMBER KAREN HARBOLD 9 ROLO CT o MECHANICSBURG PA 17055-5837 ° i Iutiilutiilutuiuiuitluiuluiniurlirindiintitiulluti r Please write yosa a wunt number m your check or money order made payable to Capital One, F. S.B. and mail in the entlaed mw1ope. C001"talone0 what's in your wa/Mt?- The steps to maintain your good credit are provided by Capital One, in cwl)unttbn with Consumer Action (www.consumer-actbn.org). O toot Capita On Seines. lac Capitol One is a federally registered service mark. AN rights reserved. i a? i a? aafaa>• 9 O ¢M Ot N 1. H- To AvsN A plan =. ta. Geri parked. you vvll love • mihimun grace period of 26 ay. WMaR arrrhce charge an new purohases, new batorce treynalem,, MW aw pureheau and new adar celhsrges ll vNdr tin ?rwn Wks in pay toAU below, and M time for It to be credited p°? by your rem srmmem cloaMhp ate. There h re grace period m cash advances eM spaded tnwbre. M addition, share b no groca pepod m my trarrsction it you do net pay the teal 'slew balance.' b. Assntlq FYrssrs tltep. Trewsctlorre Wide ere rat snbJeet to a pace period aro aseeseed flume durge 11 hen dhe dime of the Irawactbn or 2) from the ate tha trarr If edlon is eoteeaed to you Aaasht or 3)Afrom the an calendar y .ft. mwm cakg dos. dddawlly, if yyo0u11 did net pay iG 'New'lawnce' iprern dr pmvious 6Wng period in full, arenas chargea eornkene to stems to your upald Gance enll Ue unpaid Glows is paid M fed, you meow art you wyy sled owe aurae deryu. awn ou pay the if entire New BalWee indicated m tha /vas of yax mmsmem by tin ear matmrem doeYg ate, but dtl not a se 1. the provlar maned. Unpend flurce dergse ==- prhent m your dod that. t c.wll . Far each dame pepod that redid FI NCE piA 1 o1 00.E il beekrpassd. if the the a m of your total awree dings re==50 periodic niche) Is pus , we win nbtem thst aeaun from the 00.50 nlnNnlem and the dflerence will be bill" to the pwtdhese eesnt of_yaur accetsm. td. Tattprsy Radamka k"FMms sup. We reserve the ppYMM re rem aver any a en awnes cheryea br any given 2. a.?Rrunlica, cha? "" by muNNNno the) provlesly dsdoaed to you. Al theend of each ay the bakg period, rue apply the daily periodic rate for each sepnem. oTGn n tseG ahdt of bsl°rae *1 e l he pilgn0 the read"Z:- dallyy caledatioru ro amve at your pedodc odlafge for each s°P°er°. We add up the =1=,h emus ;4%. total pepadc br your aceam. To elegy Dance br each segrreenlt of year eteoltm, vve take the bepimkq bNmca br aadh aspront end add any vow trawact end arW ppeeriodic arrnlce dhnlp cork ad on the previous aY'e Glance br set seprem. We dheh nMred any par.. as credits ponied u of that ay =act allocated 1.1 t aepnetrt. This tpvu w iha separate daily ball. ct the each of Yale New sale- we myour prewar mnemmp kh fun (or , If, if your vow helmlce veto tare or t credt smoum), rew trawecriow Wirth yet to your purrdese a special pumhase settatsms aro rho added to tha any bNsncee. We Calculate the average dally bMaX by adding NI the any belmtcu together and dividing she arm by the rhumber of rate. To obtain the average daily balanca for the Mgcovered by this metmmem, we take they lanes o/ each °°ean°°t each aY. add an raw to each regnant, and subtrac my ymems or credits. ([fill 11 ?psaIs on it. had or0r mmemera ne'SNanee Rate Appied To,' we able subtract any unp°IA 1. chsryp inducted In the balance of each sayrant) This gives us the dally Maraca of each aepnan. Tian, we add up all _=_ ces br toed segment for rho kit pepod and by tha teal number of aw M the Meng perod. This gives us the 'verE7 hNance of each se0nem. sW sp Rstu IApRI• The e Pote' may appear ea rates and con ANNUAL PERCENTAGE RATES may wry quanepy may Irerea- or dseroase based m tha mated Indices, et land M TM W.N Stroh Jounm, phr the margin yyreNoulV 4:1-1 to youyou Thee du Wg G effecdw m the w day of Milk= period covered h your pep'do m'"- ending in data month January, Apd, Jdy and October. c. If ft code D (Priam), F 11 me. LIBOR) or G 43-mo. LIBOR Repriced Mmaey) appMre m dine from m your Waterman rota to the pe riOdC "Will, the pspodc rose end esporegw ANlaIAL PERCENTAGE RATES may varymonaly and=in= or durease God m tha stated Moss, as WaY Smear anrl, plus the me gin proNowy disclosed to you. These drnge. wM beaflecdw m tla first av of you billing period each morph. 4. Aseensss at Law. Crearrra sin Rshnra PaymWa Fsse. Your account min be assessed re more than two of iha bee listedharo that axxrr during my bit period. Under alma tent of your wtoone agreement, we reuse the dgim toar ..I. or not to .- any /us WtGU test at prlor notitcatlon to ruNvhup our light to as err s the tome o simil at a • to yd1 l1ter 61118. 5.tRmreaer Your Award. If a membership fee =N m the from of this matemtm, you haw 30 ays wn the ate ads matmrerm wee ("bd to you to avoid paykg the tae or to row such be credited to you if you canrrl your accent. During this pe c riod, you may rehires to we your account Wlhout having to pay tin mml ,:Np fee. To cancel your steam, you must notify by calling our Customer Reladow Depapmee and pay y°ur 'New Balance" M hot lexcludrg tla m p fee) Drim to tha end of the tNny-ay period. 8. yNyoouuYau Coss Y°u Ass°ra. You ton request to doe ac. b Dapan youmust amroy?yourecrodt cardb) and accent access decks, cancel all preamtedzed Main and cesse u r accent. If you a not cancel pruuhei:ed anergemanre, we Wa cedar receipt of a 1 yam autlreaatlon t° reopen your octant. Addtlmeily, your acmnt Win not be dosed udil y°u payyou erg amwss you ovvau' Indudtq: anypast dus fees, o haw a turn d, awrme d due fees, owdimh bee, , resumed pavement fees, u, cash advance feu end any odor IT ::=t0. your nnt. You are respralmbb br Wrther they appear m your accent at the time you request to close tle account or tiny Ncuned to =r re ?t rig an Yee account after s in your account if h has already been doted. For example, It you eudorized a R°dn°se hen a merdwp and we recdw the tr°naacdm from the mm hsm after your ecrnun has been doted, your accoutt w01 be reopened, the ammmt of the eMr pwill be added to your atzam, and yyoauu win be 7= br paymern, It tltero h a memGrtNp lee dhe fee will cantlnrra to he rdrrosd, to the exlem pemdlted by law, until the cant Gllance has Neon PNd in hall ea darned New. 7. Uslas Year Aeawd.Your card or mccura carrot be used-in connection Mh my Internet gm°mwlg trmucpea. 8. Ilmiss Akea Bsskaras Cfnssk Csnwrakn. When you proNa a deck ea psymsm, you sNari:e ns efaar to eau Mtomatian ittm your cheek m sake a aretkna dearodc fenppad trawler item Your Gnk accouad or to process ft intomnation fmm your deck to snake an ekmronic, use, fund trawler, funds may be Withdrawn from your bank accoup as soot as ere same day vve mcdw your payment, and you win not receive your deck back tram your arurtdeI iwdtus BILLINO RK1lfTS SUMMARY (In Case Of Emore Or Ouwdorm Aber Your Bin) If you think your 61N b wrung, or if you mud more Mbmrtion an a trarrectlon or bill woe m ca m a eaWrale sleet ea man N pumMe ::=--W. for irgtidu shown m ere irem of ilia . e out hear iron you re kin than 00 dayy.s after we we you the aril bill an width ttr ens or prabisei sred. You can us our C stener Cars a maser, 61p se Wg not pro.erve a,e blbwkg mbmrtX;2= send cream remGr, tha doNer emesm of tha whpecrod mum, t ascpptbn of the error end m explanation, R pmo , ofvhhy you believe drre is an serer, or If you reed muens NNeeutlon, a tleacpptlm of rho item you aro ovum about. You a wt Mw to pay any amount vaiaa vhe are inwtrlpalkq it, but you .recall sal to pay tla pane of your ball that are not in gcesrion. ewe Mw I a" your gcemlon, we canner report you as dalMepsm or take any acam to collect the amount you quatim. $,t Special Rub For Credit Card Purchases If gum a problem with the "Illy of properly or eeMcet m'r =1= =1W ° credit camand = cave tied in ere preblset Wth tla mercMm, you may have its pgiht not to pay the restraining arrant duo myy tla propehry or senvim Vou haw rids i 0.00 send then the purduse pdu was more than within 100 "It" .1 you 'se veto w in yow home mete or mmilnp edAss. (I1 we own or operate the madam, or I1 we .N d you the adwn br tha PmpsnY or senvige, as purchases are cawmd regerdese o1 mnwtt or location of purchase.) Please remember to sign all =Fftfm ndance. t Dees not e/pty to cataerner ran cral/t card accoutta t Does not spyt y to auk es aon cradle card accotwts One npp%s Mbrmadon privacy pmectim: we our at . Ow 1 l. a a bns.cem a cagy rAllmBred service mark of Capital aOr mie I Cogaratbn. All rights reserved. ° O2003 I LLOLBAK the aye M the cerrortt Mlkrg cycle. To calWete your m"' Anance dlsrge, multiply you average ally hot.- by the oily pock ram and by the mmber of aye in the bigkg pe .. to raehding m a daily Gain, there may be a auircewrtc autmiy auexed anon and the amour of ch h. It dr cede Ze or N appeare ortla from of rids Wmemem wta to 'Balance Ram Applied To.' we multidv the 1 Ob 11S Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. h h °700-01 W en s opping ... don't miss out on the savings! Take advantage of your 0° a daft apP on aA Kmart and bluel d.com purchases when you use your Kmart MasterCard? And remember... you can use your Kmart MasterCard myw6ir@ MasterCard is accepted. :M~cw 0 eopad oho .,. ?e,. Copad oho Is. fdnnIlr ® r.gissarad sarviea mock. NI riahb nxr..d. C?plI1alQe GOLD MASTERCARD ACCOUNT DEC 20, 2001 -JAN 19, 2002 5307-5820-7703-5141 Page 1 of 1 Account Summery Payments, Credits and Adjustments Previous Balance $990.76 1 10 JAN PAYMENT RECEIVED - THANK YOU $50.00- Pa7ment1 Credits and Adjustments - $50.00 Transactions + $341.64 Transactions Finance Charges + $1191 New Balance $1,294.31 2 20 DEC ECKERD DRUG #6230 CAMP HILL PA $120.24 3 22 DEC SLIM DOWN SOLUTION (800)698-4106 FL 138.80 Minimum Amount Due $36.00 4 12 JAN RITA & FRIENDS DILLSBURG PA 82.60 Payment Due Date February 19, 2002 Total Credit Line $3,500 (Non-KmartlCash Portion) $3,000 Total Balance $1,294.31 (Kmart Balance) $460.60 (Non-Kmart Balance) $833.71 (Cash Balance) $.00 Availablefor Kmart Parduea $2,205.69 (Portion available for $2,166.29 Non-KmardCash Transactions) At your service To c.R Cwtomar Relstiow or to report • IoM or stolen oral: 1-8W8W7S2A Send Payment to: Send inquirin to: Attn: Ren ittance Processing Cepltd One S-- C.Ow One Service P.O. B. 85184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 F'nence Charges Pkaera re jeiide * important information B.! n rat, P-.iir Comapmlw6 .ptlydro rat, lfPPRR KMART PURCHASES $474.45 .00000% .00% NON-KMART PURCHASES $777.19 .04945%D 18.05% $.Do $11.91 CASH $.00 .04945%D 18.05% $.00 ANNUAL PERCENTAGE RATE applied this period 11.20% 107975 PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 7 5307582077035141 19 1294310050000038001 New Balance $1.294.31 Pka t-1 adorn `! do brlmu anna hi or btar4 usk. Minimum Amount Due $38.00 Sn t Aps. Payment Due Daze February 19, 2002 cky Stu, ZIP Total enclosed $ Home Phone Alsecosn Phone ! #9002042891197320# MAIL ID NUMBER KAREN HARBOLD Capital One F S B , . . . P.O. Box 85184 n 9 ROLO CT Richmond, VA 23285-5184 c ! MECHANLCSBURG PA 17055-5837 1111111111 111111dnu111u1life 11u111 1u111ud ° ?nt???ur???n111111 11If I I tlife l111ut111nlife 1 Please uniteyour arroant number on your rha,E or money order made payable to Capital One, RSB. and mail in the endured envelope. To better understand how your total Kmart credit line and non-Kmart portion work together, here are some tips for reading your monthly statement: The "Total Credit Line" is the maximum amount of credit you can use for Kmart purchases. As part of your total credit line, you have the Non-Kmart /Cash Portion" available for purchases anywhere MasterCard is accepted, as well as for cash transactions. sir alp fees feaal? 9 O cV The Available for Kmart Purchases" is the amount of your total \ credit line remaining for Kmart purchases on the date your statement was printed. The Portion available for Non-Kmart/Cash Transactions" is the amount of credit remaining for non-Kmart purchases and cash transactions on the date your statement was printed Remember... you can use your Kmart MasterCard (21MYWhOirS MasterCard is accepted. Pit New os? O? n„a ew?t 4ee rpytp.,_ Waal Ahniorl ac - Noq r_ 1° .""arzAC? for At yens 7? a ing ppeeriod covered by Ws Matemerd, we lake the begs i Wanu of much segmem each day, add any new tranwctlons to much wpmert, and subtract any peymems or credits. (N the code N appesa on the hoot of tMs wwansn neat to 'SNenG Beth Applied To,' !no]- subtract any unpaid LurKe charge included In belarce of each sepGnt) This gives ea the daily bsianee of each s inert. Then, we will rq all the GNV balances for each fa gmerht for the Nlkp period and divide by the total number of days In the being period. This gives u the awe99ee dally belacer of each segment. 3. Annual Prashtf a Natty (APNI. a. The term 'Anwl Perremege Nam' may appear as 'APR' on Uhe iron of his awenhaht. b. If the code P Wrote), L (3-mo. LIBOR), C ICamficete of DepoaN), or S (BankeaN PF0 1 appears to the from of tale st lemem text w the periodic waste), the pedock (at" and corm ANNUAL PERCENTAGE RA S maY wry, quarterly a may kncrew, or docraew based m the stood Indus, ss flood 1. TAM Wad Street -ohms, pis the msryM ppreroMotamy d.. to you. These changes Wit be eflactlw m dal firn by of your bit p re by your part. stetamem erxWhg ry, April, Jmly and October. c. It the code D (Prkne), F 111 mo. LIBOR) or O 43 ma. LIBBOw? dnecoedro the ppya))dadic rare-), she front of youws the eed txhrrsapmdrq Alaa)AL PERCENTAGE MTE6 may vary nhamfty annQt may irnereese a docmw based on the wood Indoor, as bud in The Wall Stmt JaurW, plus the merge pmNourdy dabsed to you. Thus drmges woe he aflecdw m 16 firn day of your bNng period each march. 4. Asawwwat of Ws, 0,~ am RMnhst payawt Few. Your account will be awe"ed ne mom than two of the few Iiwed bans that occur duke any battle period. Under the Fora of your artotner agreement, wed rosenw the fight to waive my rho to anew ty for Wmau prier netfutm F. you without waiving our right to wsea the same at almost fees w e Iwer tone. 5.1Rrewtng Yre Maws. If a membenNp lee app"a on the from of ft. oo"mmt =Job 30 days lFlon the date this statement was d to you to avid paying the fee or ro Mw such fee =:* yon if you urhul your account. Dustng 1Ns Pmay camksro to lame you acowm Wlheut bving to pay the me :P be. To canal your aceaan you m use n and mlN pay calling oa Wstomer RMato; Dapsnment amMrwp )) p it., Atha ekrouran d of the %lV dayd 8. Npyoyruwr Cl.as Ysu Awsnt. Y megtes rtrrmm. fo ed Oape You w..Iwv our pm destroCW?rr credit ms y your crerdbl and acrwtw access checks, GnhW al preauterized bakg, and cesse urkp Your atxsup. If you do rant canW preewhodzed q snanpa rxw van veal .on idw receipt of a charge your awlrMzation to mapen your accent. Addtlonall Your amorrl Wit net be cl"ed u„A you pay all Fully' s you owe w kidudq: sty trewctions you bus awhorized, firms charges, paw dun teas, ovedinet bas, returrhed psymem for, _all dvarce for and anY other bas essewd to your eccoun. You ea respaarihla fo drew amlonta whether they appeal on your atxxaam at /lane tlms yon ragwst to close the a -lard w they ere r7d rt0aegtram to we, metier to dun the eceaun. TNa may maws in charges appearing on your account after you how your account it it has already been dosed. For example, Ii rya Umwzed a puraMae Nan s .rdnm and we malty the tnawcten from the wartbem afmr your cent has been closed, yaw eccoun mule be reopened, the anouuant of the dupe -wall be added to your amaan, e y mmbe.ND fee responsible far payment. 11 there is a $Or your accataht, the fee rWA continue to be cMtged, to the extern psnNned by 4w, -1 the .stead balsrhu IL been Paid in ka w dsf net above. 7. Uft Year Awasot.Your card er sexual cannot be used In ureedlan bath May Internet gambling tray ci . 8. 1641- Abut BsaeaYs bask Caavralw. When you prolide a chock as paymem, You authorize w skier to we kfomution from your chock to nab a one-time alectroric pad transfer from Your bank account or to prtr "the pps?ymaht as a aMcit tranacton. When we was imomution inn your deck to make an alectmNc kind transfer, heals may be withdrawn Nan your bank actxxsd as auto as the sane day we salty your powers, and you mule het receive your deck beck iron your finsrcleI Instllellm. BILLING RtGWS SUMMARY (In Case Of Ere. Or Questions About Your Bill) If you think your kN Is wrong, or if you need more infomalim on a trrreobn or Me wake tow on a sepeme s heat w som as pt a at the address for mquides shown on to from of this examen. We must bar from you ne Ietar Ian 80 days after we was you the first hW m Woch the aro or problwt rod. Voc can call our Wapner Relations rmurber, but dwng w WA P rat erw your dj%. 1n yen loner, give w the following rom.ton: Yea none and account number, the dollar omen of the suspected era, a dwriptlm of the error FM. end a rugarankn, 11 possbb, of Ww yon s ==- w ea If you of mom b t to of the Nam you are taw. about. You do non how to pay any in throve question. lon we t= vee am inwwlgeWq N, bus you are mot Fed ro pay es parts of your bsquestion, l are het t or tor. to your c we lanes reps you as defkhghrmt or take any action m to o collect the ahnant you question. t,t Special Rule for Credt Card Purchase If =Z: em bath the gwiky of p.perty or seyou purdawtl bath a credit lard and you haw tried M good fafth to correct the prober Wth the mercbam, you may hew the Fight nest to pay the wooking amount due on tan prop Dny or whew. You have this protedbn ally vAen tie pumhsw Drke vas sae then 350.00 and the purcba sew made in yea bane rite or withineta mow of your msl we address. (If we ooh or aperero the marten, or it we mafied you the adwrtsemeM 1nr the pny or wMGS, of purcbaw re covered raselat o amram or bcedm o1 purdase.l Please rwnember to sign all correspondence. I- noes new sppiy to co-toner mm-credit cold ---Is t Dona net apply m bwaiwss om credit card accauets One surgena krlwmatim privacy protection: w our at www.G corr. One d a mwHv . aborned service mark of Capital ndsi Caporetiuh. All right. reserved.. 2003 One 01LGLBAK Tare saw Parled. You orb haw a rrcmm groce period of 26 days Wtlhloe tkhrce theope m new purchase, new chsryea i it 1 you pa you pay new your y tewal l *pumhewa end new other Was New 8alence', In accordance muted the Important NmIG for peyrwrrta below, = ba crodited ur nett atalemrint and in time -44,- kq date. e is ne g.u peeled m lash advances special transient. In atkltan, there is no grace period m any'retraction if you, not pay the total -New balance.' b. Aauwkhe Florae Owga. Transactions vfiich am not subteen to • you period aro womsed Snence charge 1) hem the dale of tte trerraactlon or 2) from the date the taawdian la p---d fa your Amotw a 3) from the Ira Wawar day of the tasty billing period. Additionally, if yyvvuu did not pay the ' New Salanee' 1nm the prevlas biting pe adiM? finance units the unpaid cantkhw to aurae to Mt mneara that y upaid below: is paid in hat TTHN you ma1? stN owe lnwce rihehpas, even if you pay the emire hbw Bslsrhco indicated m the irons of your stetemem by tie next alwarsam closing date, but did not do w for the previo s month. Unpaid finance cheryw aro edrMd to tlhe appNcab asprrn of your Accloam. t c. Ludy Esters. Qra . F. each NNkq pedod that your accountis to a lranee change, a micrmaan total flNANCE f]IA W OM WI b inpwd. If the tool grants dahlia rearNng from the a *mtim of your periodic rate(.) fellow then 60 60, wet wall subtract that arnoue from the 10.50 mbYnwm and the dlfbrace will be hiAed to the purchase seprve et r wcpint. td. Temporary Radiation it Fire. OhrB.. We resew the Fight 10 no wens; any or all gravel, charges lot any given 2. Av= CrSalrw J=..nS New AeahwN. a. Rrune =I= M dsiy beiotce of your aceoue (e.g., cash by th rmapmdrrg alperbdcr,a and ) pecialus bwrrw) p.vbwly disclosed to you. At the and of each day " the bf * period, van apply the daily periodic rate far eacb segment of your accaw to the =1 balance of each the rwultaThrh al the aM of tWalbm tparlt, a? odd up pedodc Ikhmcs htharge for each segmem. We add up the reatlla from each aagmam to ardor at the total pedodc Anshan csegnerht ar()e for yew aacauN. To get the daily balance to eatlh of you arx:otae, we lake the beginning blance for each wPwre and Kill any new transadlare and any periods 4rce charge ulcuimed m the preWous day's balance for eat segmem. We clan subtract any peymennt a aedu posed as of tat day that ere aoouled to that segment. This gives us the separate dally balance you paid the for each Neyv rx:esa of o Veto accent Nowaler, 11 are your previous Mal- k DN for if You new balance was zere or a credit amount), new =.r -l Wien pot to ==z epecal purobase seynoma am rho y balarcea. We calalate the s rrs dell balenee by adding all the daily belsnces together and dNMq tie sun by tba number of the days In the curse balag cycle. To csloulate your total 11.- charge, you evenlp dally belane by tie dsoing Y pedeek w and the nahber of days in the bit Zed. Sue to rwMrq m a duly baba, them may bet a alga wdree between Ws uboatim and the .mart of firm- edwlly easewtl. M- b. 11 the lade or N app-,. m the from of this watemem next to ' Bsianhu Rate Applied To; we multiply the 107975 Important Nodoe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. When shopping ... '40701 don't miss out on the savings! Take advantage of your o ° o Intro hNPI3 on aN Kmart and bluelight.com purchases when you use your Kmart MasterCard? And remember... you can use your Kmart MasterCard @nywhm% MasterCard is accepted. 0 2002 C.pb on. Int. Coped 0. , . r.a6,.1p ® ,.8„?a A. Ni ,ghn n,,.,,.d. Owe Account Summarv Previous Balance $1,294.31 Payments, Credits and Adjustments - $100.00 Transactions s $18.12 Finance Charges . 112.52 New Balance $1,224.95 Minimum Amount Due $36.00 Payment Due Date March 19, 2002 Total Credit Line $3,500 (Non-KmardCash Portion) $3,000 Total Balance $1,224.95 (Kmart Balance) $429.00 (Non-Kmart Balance) $795.95 (Cash Balance) $.00 Avi ikbkfor Kmart Purchases $2,275.05 (Portion available for $2,204.05 Non-KmardCash Transactions) At your service To call Cwtomer Relations or to report • lost or stolen card: 1-800-830-7524 Send Pa7metac to: Send inquiries to: Attn: Remittance Processing Capital One Services Capita One Services P.O. B. 85184 P.O. B. 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 1429bs COLD MASTERCARD ACCOUNT 5307-5820-7703-5141 JAN 20 - FEB 19, 2002 Page I of 1 Payments, Credits and Adjustments 1 07 FEB PAYMENT RECEIVED - THANK YOU $100.00- Transactions 2 11 FEB WEIS MARKET #58 SHD MECHANICSBURG PA $18.12 Finance Charges Plearera retaerreridefor important ixfor nation Bdmara race P-41 CosayenJmg ,yeflrlm ?r APR Ci$ KMART PURCHASES 1447.34 .00000% 'OD% S.00 NON-KMART PURCHASES 1916.42 .04 D i8.05% $1252 CASH i.00 .04945%D 18.05% S.00 ANNUAL PERCENTAGE RATE applied this period 11.66% PLEASE RETURN PORTION BELOW WITH PAYMENT. Pet 0000000 7 5307582077035141 19 1224950100000036001 New Balance $1,224.95 Minimum Amount Due $36.00 Payment Due Date March 19, 2002 Total enclosed $ Capital One, F.S.B. P.O. Box 85184 Richmond, VA 23285-5184 Py-,prml adL$- Am g,, k4- wing lake or blank iak City State ZIP Home Ann, Al-.. Phone #9005142891197325# MAIL ID NUMBER KAREN HARBOLD u, 9 ROLO CT N MECHANICSBURG PA 17055-5837 a Please write your account numbs on your nher4 or money order made payable to Capital One, F. S. B. and mail in the a-toted enarlope. r To better understand how your total Kmart credit line and non-Kmart portion work together, here are some tips for reading your monthly statement: The rrbtal Credit Line" is the maximum amount of credit you can use for Kmart purchases. As part of your total credit line, you have the Non-Kmart/Cash Portion" available for purchases anywhere MasterCard is accepted, as well as for cash transactions. M r O N The available for Kmart Purchases" is the amount of your total \ credit line remaining for Kmart purchases on the date your statement was printed. The Fbrtion available for Non-Kmart l Cash Transactions" is the amount of credit remaining for non-Kmart purchases and cash transactions on the date your statement was printed. Remember... you can use your Kmart MasterCard OnyWn heirls MasterCard is accepted. h, C+Mitsa„dA 'l+mem t o pare4af -oual 0, I Credit Uar fAhy?kmat Nos, K ava!/ap?""sum At y mivtfiad, 76 nams.fn ppaadodic rote. To drain the average doily balance for the biNirp riod cowrod by this natemem, wa take the bagiq balurm cf each esprrn oath day, add any new transact oos m each sepmaM end cab am very peymems or cmr1m. llf the cede N splcra on the hoar of 0 nnement rata to 'evince (fate Applied To,' we I- subtract any unpaid theme dugp inducted hh tlpe bstance of each segment.) This gives ua the doily balance of each segnmm. Than, we add tip aS the daily batsman for each segmental for the being period and divide by the tool mmber of days In the bMq -'I-. TNs glveo w tiro ripe doily balance of aseh segment. 3. Annual Prountge Rotas IAFRI. a. The term 'Amuel Percentage Rate' may appear ae APR' on the front of this srotecnam. It. If the code P IPdme), L 0 no, LIBOR), C (Certificate of s etm ent now ttoo the periodic appoom on the from of rates and cormopodrq ANNUAL PERCENTAGE RATES may very u0sneriy end may incroase or cimmose based on the netad Inchon, as found in rim Well Street Jaunty, plus the mmgMtpNwctNously disclosed to you. Theme JbMi period conned by your peaadk stnare eindirhg In the monde January, Apo, July and October. c. If the code D (Prime), F (1-mo. LIBM or G 13 mo. LIBOR Repriced Mashy) appeom on the from of your netenmm area to the ppeedodo step), the ppeerriiodic rates and coneopordnp AihiIUAL PERCENTAGE RATES may very maahiysend army it.-- or decrease basedm the need indw, ea found In The Wail Street JoutW, plus the margin pmNOUYy dscbsM to you. These changes will be eflaatlw on the fits day of your being period each mash. 4. Aswamod of Ldw Dwrft* and Robinson! Your account will be asss=ad no mom then two of the feea lined here that occur dud" any Nang period. Under the me 's of row customer opreetnou, vwe rsserw the dgm to , In or not to asaew any feea witheut doenodfieadon to without waiving err right to aaaesa the rime or aknilar eea at a lane dims. 6. Wu tad. If a m-,benNp tee :_,Z. m te from of " btemwt, you haw 30 the data this fast::. was mailed to you to evdd payNq the fee or to haw stclh tae credited to you ii you canc?el your eccoup. Wang via period, you may convene to came your account without haVkhg to pay the mambarnip Z. To cancel yourrRda octantloru Depot, you sunnmem Cwtame ratify usybpyutcaNbp our marruh yyrstip tee) polo oho tha end of th y day period. S. N Yes Case Y. Asewart. Vou can regret to dose yyoouur ecootm by -11, ear Ctwlaner Thhtlorr Oepanment. You most dsnmy your credit cas(.) and ecco nt access checks, cancelail prooutiodzed baling, end came, camp you ococotrrt. If you da rot cancel preaWadzed bBMnq enangemems, u will colder recafpt of a charge yaw sutheriznlm to roapen your accent. Add lonslly, You acoant will arm be dwell umN you pay oil amotrss you owe trarsactiors you haw audadxed, ,:=my post due has, owdimit taw, rerurrhatl p,ymem cash adwnce fees end any other fees assessed to your accost. You are responsible for den amounts whether they oppeo on your seco art a===. i to your owe request d or they are envy "wl A qauest to d=co e the account. This soy t in charges appealing on you account elm: you haw your accoum if it has already been dosed. For example, if you authorized a purchase from a merdmm and we re ceve the trowaclloo barn tlhe merdhand aftbeer your amount has been dwell, your ecmm wN reopened, the amour of the charga_v for .w your octant, end yyoouu will be r opor lor pamet. If them I. a menhbafft fee for your acclam, the fee we continue, to ba dharded, to the anent psmined by law, undl the era:ova bbaelLarne has beerh paid lo tta ss daflosd above. 7. hMtg Yea Assord.Your card or account cannot be onr. s.ertbn whh transactions. loactla any internal gambling e. Nslho Abwd fihoYOrtio pteak Cwttrslw. When you provide a check an peruses, you authorize r ether to we lofermatkm from your check to maim a --time electronic find traos(er from your bank account or to process the pWsYnmm n a duck transaction. When we use Infowon from yax duck to make an electronic fled Inertia r, kMS may be wlMMawn horn your bank acurotm as soar as Ube some day we receive your payment, and you we not mcnw your duck back from your finsndal Irstitutlon. BILLING RIOWS SUMMARY lln Can Of Ermm Or Questions Abase Your BNB If you think your bill is wrap, or if you red moree iniomtetfm m a trammed n a bill, wrhe to c on Entire Entire nmet = som as possible at the address for Inhgtiri= sewn on the ism of e0 fhb natemwn. We must You M lets: drh deryqa after we sent you the flrn bill on which the enter or prahlan rod. Vou can cell our Customer Relations rrscben, loo aoutq se will not pprenew your rights. M your letter, give um the following Inteenstim: Yew name and accent mntber, the tidier amount of the wmplded error, a dsecdption of the error and an ebplxmtbn , ofwhy you bell there is en error; on If You =In=, a descri mot iha ftem As. aswe hew dm amount n while we em Inwnlb'Wq it, lord you are nail to pay :part: of role that ere rot In Questvre investpsta your question, we carrot report you as rlefirnptan or mica vary action to collm the tmaum you question. t,t Special Rule For Credit Card Purchases If you haw a problem with the guaflty of proferIn ayou seMcea that you puchased rstlt a credit card and haw tded h good huh to coned the problem with the nq ntthe debt nor to pay the :emsidng merdmM, you%v ha?oqtthh an t mature an the puedhese wo=tle ktkt row heme = or iw50.00 and t protection only War 100 mNse of you malSnp adore=. (lf we own or operate the merdmm, or if we marled you the adwn{sement lor the prcoerty a a ul = ail purchases are covered regards= o((amaan or lotatian of purohaea.) Please remember to sign all conespo domm. t Does wt apply In cunaumer von-credit cud accord m t Does wt apply to bualwas ow crater cad accounts Cep 1 One opports information privacy plotedim: see our waD Its at www.ccaappf1tle?larm.com. Capital One I. a federeNy redstered =Mo. mark of Capital One Rnsrhdel Cogeretim. All rigMa reserved. a 2003 Capital One of LOLBAK a. eaaa fired. Vou wR =mhtimam grata period of 26 days wltheu ikmnce dmrge now purchases, row boiance trarhn, new apedN p:X- end new other dsrgea It you psy your Iohl'New Balance', In accordance wilt the Important Nuke tot payments below, and In time for It to be credmd by your roe natemem doakq Oate. Th.. I. no grace petlod m ca sh advences and apxlsl traosbro. In eddtlm, there h n :h period m any transaction If you do not pay the tan 'Now bahrro.' b. Aeewky Flat sma Ch.". Transactions which am not Rtiect to f it. dot. offre It. utt icon or 2) from the d?ete th period e) transaction is processed to your Account or 3) flan the fiml cdwtdar day of tiro ourmm bit" cod. Addtlamlly, Ii did not pay the 'Now Belarrce farm the previous lo 1ta, flosnc?e ram your urperind p d bahnreo cmS tie utpr aidid balance I. paid in "o This cream *11 you may,I nil owe finance charges, even If you pay the entire New eat. Indicated on the from of Your r do ao Eby 1M area nnanan closing date, but did pteNcm mash. Urymld finance cha cam added to the loabls oprrn of your Aaou t. t . IttlnNtt Finesse. Fos each b." pedal that your occotaht is to a lineme charge a m immune tatty FlNANCE E of 00.60 wW be Imposed. It the tan firmnca ch. I ..IIInp front the applc.dm of you periodic met.) h 1pa than 00.50, we wYl a ract that mount from de 10.60 mNmun and the difference will be haled to the purchase seFpYrtmnw? ofpyor= saccwn. td right to nrokt darer any or as finance, charges for my giwm 2. Av= Dally is.- IYwYtirrg Nov grahrnI. a. finsrhw ds=i s calaiatM 6y mdtipl tho daily balance of s0gnwe of your account (e.g., cash advance, purchase, special trensler, and special purchen) by the corresponding daily periodic rateh) that has bent pmy disclosed to you. At the and of each day durkho g period, we apply the daily periodic rare for eacchh aegnent o1 your accord to the dally balance of each segment. Then at tie and of the frilling period, we add up the moults of theme daily eakulatlas to ardve at r pfor =' m. W add up tiro ,==d= the total pmadc finance Burge for your accord. To get the dallyy balance boionce foroeperracd of yar acootnt, wa take Me wghahrq and my pe dodo finame charge add caloleta anyy ned w i on the pre raneactions ous da s flarnee he the vi y' aegnem. Wflan sWtrsa any paymsrr a credof pored se n t9. t day that are all ocated to that sWmam. This gives to the separate daily balance tar eodh segnhant of wnyour eccaostl. However, I1 you the Now Be""W sho m your prevbua natemem n kN (or it your new balance can taro or a credit steam), new vannctios wldclh post ro your purdsse o el puduse segnams am not added to the daffyspani bahncaa. We caktlate the awrage daily bnorhco by addrp all the daffy bahrcn topather and dvidnq the sun by the nunber of the days fn the card bNNrp cyder. To cakdne your teal flnsme dupe, nptddply your swrage daily balance by the daNY pedalfc rare and by the menbsr of days in the NBNq period. Due to roarfing m a daily bane, tlsre may ba e b. It the tween cis calodatim eM the amotm of dhnce a actually Inmost the code la app :.sassed on the . 'B a N N are Applied from of ltip natemem area to 'Bnorhco Rate Applied To,' we mtmply the Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the some day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 4 01 No Transaction Feet Easy Access To The Non-Kmart Portion of Tour Credit LWel Ready To Cash Or Deposit Please see importeM information below cheek on reverse. Cam. Account Stmtmarv I,[ GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 1:0 5 1006 7 781:865 2077035 14 Lill 8314 Previous Balance $1,224.95 Payments, Credits and Adjustments - $60.00 Transactions + $372.98 Finance Charges 11995 New Balance + $1,557.88 Minimum Amount Due $46.00 Payment Due Date April 19, 2002 Total Credit Line $3,500 (Non-Kmart/Cash Portion) $3,000 Total Balance $1,557.88 (Kmart Balance) $111.95 (Non-Kmart Balance) $836.29 (Cash Balance) $309.64 Available for Kmart Purduees $1,942.12 (Portion available for $1,854.07 Non-Kmarr/Cash Transactions) At your service To call Customer Relations or to report • lost or stolen cerd: 1-800-830-7521 Send Payments to: Send mquirin to: Attn: Remittance Procesing Capital One Services Capital One Service P.O. B. 85184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23 2 85-5 0 15 Finance Charges Plemeieererxrteridrfor important in mmation Ba ' tr t it CarnymsJad ?? i di. p1kJro y reli rats APPRR ) KMART PURCHASES $421.08 .0000016 .00% $.00 NON-KMART PURCHASES $95334 .04945%D 18.05% $11.51 CASH $43.10 .04945%D 18.05% $.60 ANNUAL PERCENTAGE RATE applied this period 88b2F PLEASE RETURN PORTION BELOW WITH PAYMENT. ?8a 0000000 7 5307582077035141 19 1557880060000046003 New Balance $1.557.88 Minimum Amount Due $46.00 Payment Due Date April 19, 2002 Total enclosed $ FEB 20 - MAR 19, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 07 MAR PAYMENT RECEIVED - THANK YOU $60.00- Transactions 2 20 FEB GIANT FOOD #120 SI8 MECHANICSBURG PA $71.48 3 16 MAR CASH ADV. K/652 OCARLI MECHANICSBURG PA 301.50 4 19 MAR CASH ADVANCE FEE - - FINANCE CHARGE 7.54 Your Kmart MasterCard provides great value. Not only could you save on interest with a 0% intro APR on all Kmart purchases - you can use your card everywhere MasterCard is accepted? IMPORTANT INFORMATION: Please see the new section, 'Temporary Reduction in Finance Charge,' on the reverse for important information regarding your account with Capital One. Custooter Signature Pk-, print aAbex,hang- brlow-,blur or black m.k 15.19% 6- Apt City Sim ZIP Home Ph- Almnnatr Phone #9007942891197326# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 N ' 2522 ROLO CT Richmond, VA 23285-5184 a MECHANICSBURG PA 17055 Please roriteyour a count number on your chee4 w money order made payable to Cmpital One, F.S. B. and mail in the encloed mvelope. KAREN HARBOLD 2522 ROLO CT 8314 MECHANICSBURG PA 17055 Date 68-6771510 Check expirrs May 31, 2002 511900-01 Pay To The X4REW o„d,, Of H BO $400.00 Four hundred an I00 Dollars CAPMdow Pumbase Cbw*. Richmond, VA r T m m re m m O 0 a C 0 z O N 33 P O 0 A? 9 O i m N o O re z c H Cash or deposit the m M m re 1 ; attached check for easy a o m a m access to the non-Kmart portion of the credit line o available on your Kmart P w ' MasterCard' account! Z X, in m z 1111 0 At Capital One, we work ? m harder to make your ' es r z m life easier. leywlard kNmondin raanaahg you afsak: It the attached deck is a Purchase Check, it will be treated as a Font-Kman purchase according to the term of Agmernem, and any anml6nams to it but my rat quality for ury reward. pognm. The attached check I. subject to It availability, an your Customer Capital One =your deck. (lack ecGplance is abo aged to the error Mar of you account, and N ma rat be racened itrr have tla available crodt on the day Ca Gpit cafiecllaa. It the meal= b urvW a or your eecohse is not current as hated at that time, r check wYAll o returned your accent I. restricted in my way, past due or in deck cannot be used to psy down or to aennyy You urpald and yen ma be ato essed a Rstumed Check n: TNs e federally registered se rNco mark. AN dgMse neamved. Capital One accent. Ceahkp the deck vdX gmHy as ualng your amount. O 2002 (apael One SarNCea, Inc. CepNel One I. a. flees Peaked. You we haw -a aidmum grata period of 25 day. whfau &larme dr!po on raw purduaes, new bebnca fission, new apedN purduws and new Dear dsrym if you pay you toll 'lbw Bal.nce', in arxiomance wig. ith the knportam Natka for payments below, end h tkne br N to o crotlhed by your nee statement GGkq date. There b no grata period on cash i dvsnoes and eped.1 Immill m. In addidon, there Is no grace pedod on arty trasectm if you de rte pay the tall 'lbw bdmon. b. Aaaseq iimm.a time. Treaeetloa which am rat art6)ect rot a graos peded aro assessed from- durye it ham the date of the lrarsa.tien o 2) from the dam iha transaction is procemed to your Accoont or 31 from the first Gbrdar day of the osrrom billing period. Additionally, it you did rat my the 'New Balance' from the orevfoa bNrtg period b lull, btanee dsrgm =i=i. nro your updd baance unN the upsid fun. TNs mesa cut you m•Y stn owe Aanoe duryes, even it Yos p.y the mNm New BaWG Irldcsted m fie tram of your ashamed by data, but did not de es for the pr-=-=== am added to te aooliceNe moment at your c. amp bd livered by this naiemem, we eke the balance of esch ssprent each day, add my new trot as to mM em, and subtend any Vaymema or credits. III the codeappeaat an the from of this stal mere red to ' BNaae Rete Applied To,' we also subtract my unpaid Amerce drrge indhded in the balance of sect aepnp??.) TN. given os the dally balance of each seOnent. That, we add tp all tho OeNy bslmGS far Gch sepnalt ror the WHNq V?eer?bal and chide by the teal maMer at day b the aaarq period. TMs given es the dally balance of each segment. 3. Atn I even Ipierags Rees IAPHI. a. The term 'Amman PercaNage Rate' may appear as APP' on the fad of this naament. b. It the code P (Pdmel, L 13-mo. LIBORI, C (CeNAcate of deDepo n1 r S IBmkcatNhaPmns) appease on the front of the rates and Gneapwdrq AfPeaabr?4l PERCSENTAOEpRATS may very gwneriy and may homes or decrease based on the natal irmAose, a. pf roosad In The Wes Stmt Tltase dtPiitrgres a be aHecNNve?m the Am day o uywr hiXklp perod livered by you pedodc stnemem endkq in the meals J=r Apd, July and October. c. If the code D IPdme), F 11 -me. LIBOR) or 0 13 mo. US OR ReprlGd Mondiyl a re on the hose of your atatemmt as to the mob) the pro f rater, and co espond17 ANNUAL PERCiWaOE MTES may very Y a may imcrease or daeroase based on to fined Yldces, as food In r: Wall 80m: ra/, plus the nurgin preNaaly 6acbsed to you. csngae w11 be efbetive on the Am day at Vote Worse period each march. d. Amesomild of Lea, OvaiaR and Rea mod Is lose Fan. Your account will be maaesed no am than two of the bee listed ore that o r during my billing pedod, Under the terms of Yaur custonlet agremront, we mearve =1L-1&% afve or rat to assess any fees without ptlor whhan walvkq our, right to assess the same or similar at s farer 1Nne. 5. you Aaowsa. If a membership fee the from of this mtrerront. you have 30 =11- "d peybg thee laedo to stat eM- such was credited you you it you Grad Vow accoud. Duda this period, yos may =4Z.7=4 thout hawtq to pay to eccohhav you ohm notify us by curing our Customer Raletloa Dapsamm and pay your Now BNaae' b ka all" membe a p be) pd.! to 1h end of to tHn7theperiod. a. N Yon on" Yao Aewua. Yos Gn narahest to dese Yyoosmr accent by GNrlg our Customer Refs t Uepartmad. You mot destroy your credit cord(s) and =a cosw decks, Gad all preautiadsed biAkm, ukq your acmtm. If you do seat cmGl preauotleed mg anarnpanoms, we will consider erxipt of a dtnge yea etaori=ation to reopen you account. AddtioneAy, Your arxouni wiN rot be cased umH you pay all dot ecre fees. amours you owe G i^draWW: any pea s. overfin-At you ha bwas, euod:ed returned paaymenmment uitam, cash due any oiler bfees assessed toy our advance fees and r eccohrtt.pea You sonreaparsihle br these amounts whether toy apr on your acoead at to are yyveuu request to don the mot or toy am incurred subsequent to c?rrharoes epoeetrkar on your accau. ehermavonY rah in your acoaum if it hey already boon deed. for example, If you oruthodlad a purchsn hose s madam and we recalve the transaction hen the marcher char your amours hen been deed, your amain wa be reopened, the cram of the ahargs WN Ee added to your account, seal yyoouu wiY o r far payment. N there I. e amenlberalip fse br your accohae, tine in vNN rxminue , to the exmnt permMed by law, umll the to a o .mount has been Wid In full n defined above. 7. IIaYq You Aeasre,yow Gad or acme carrot be In cormnaction wNh any Imemat gambling transactions. e. Nabs A-- - 111- -arm, provida a creek n ou aueadae os ehler to tae broonstion Iran your to make some-time dectreic finnpeds transfer as a from Your bank account or to PP mmation irmt deck iretsaetbn. When we um Into ? mks an electronic kad transfer, held. miey be withdraam from your bank account as noon s. th same day we recdve your, paymad, end you oM nil mmN - Your deck beck tram your MlsnciN IaNtulon. BILLING RIG14TS SUMMARY (In Can Of Errors Or 0uestiar Abase Your eN1) If you hank your NI is wrap, or it yco need more infomsd.n on a trerwotbn or NN, wds to ua an a separate cleat "later se possible at the address for irtgddes sown on the from of this staremae. We mast hear lran you no mer tlmn 90 days 1mr we sad you the flm bib on wNM fie error or problem &=Fad. You can cell our Qmo or R.1 number, but doing n will net pp =- you dgMs. ro your btur, give os the kebwing infonn.dart your are and .member, to ddbr amean of the atsPa.ted ens, a deseripian of the error and an mpleatlen, it poas6le, at wdny you 6sNeve tore is an error, a it you teed d mom Ndem a desedptlon f alma item you aro use abed. You d. not ova to pry o any mount in quaefan while we ate imesl{pstNq h, did you ere fill aril trod to pay ale pane of you- MSthe ere rat quesNan. we krveatigate your question, we cannot report you as deNrngosnt take any ectfon to -Fact the amount you question. t,t Special Rude for Credit Card Purchases If you have s problem with the quslNy of properly or aerNc that yos purdlsead with a credit cent and you haw trod in good hhh m correct se prabbm with the merchant, you may owe the dgN not to pay the remaking amram due on the gapbmY or serNtea. You have this pmr,mlon aiy wtsn the pwduw price was mom ran 160.00 and the purchsse wn made In Vow oma state or within 100 miles of you =% addroes. (N we own or operate to mmdsnt, o ou to adwnlmo ent ror the p7m, or serNGS, ell purduses are co" repsrdm of cram or location 01 Purcham.) Please remember to sipl all correspondence. t Does not apply to consumer awn -credit card accouns t Do's not appy to hardness wow-credit card accounts Capital One atppoa inromstio . privacy protedion: see our wabshe at www.ceppiitteloe.com Capfml One is a federalliy registered service mark of Capital One Rnandel Corporation. All rights reserved. a 2003 Capital One 01 LOLBAK total danced .W itom the ppI of your pealed.',sbl le 1, than .50, weave- 9k..trrract that anaud from Ue 10.50 ninknun and the difference will be bAbd to the purcfsse ae?ra?d of acoent. td. Taawlsrry RstiosYar b FYtweer a. We reserve Me right to hoootdamme any a W flanG chow. far any given 2. AvaspnX Dwy Mlsse lbdmdbq Me. P earn 1. a. Rnsnce:.Me Is caloiated by mhhyNykj the d.Ny Gfanhos Of each aagrsre at you acoont a.g., Gal putlsss, apedd trsabr, and spedal purd e-) tea,mondrq d y peodic stela that has been preNady dsdand to you. At to end at se. d.y d.roo :=P. riod, we apply ft daily period. rote br esr ch f your accent to the t1?W_y balance of each Then st the end at the airy fi w tha . of these dWy esknlatlerr t ridvnde we yaeuda p.d= hence charge for arch segrllent. We add daily up to reaib from each seOrmem to arrive m the temal periodic Aarce dsq)e h, your a6coue. To gel to l balsnce ==,. of your accoont, we take the -fig add arrtyry new tnaaaeVdlau and and my Aode 1NlalG dsrye calrabted on the preNan day's halarlG br tin aaPmarlt. We slal eWtnd my peymem. a credits posted as of that day that are allocated to that .epnere. This give us the separate daily Wbnca for eadl segrsnt of your aoeoue. However, if you paid the Nave Bdnce dawn on your pre star amem in full for it your new bslarce won :aro a a credl am I, now imrramlar wlnlCh Daat to your purdtses or epedal Purdvre sepnama son not added to to a ddi%a dally belmces. ily We locate iha average d _ny_Yalarnce by ll iha da belennce. togsther and diviWq iha sun by er of the day. in the curlretlgrvhYMp cycle. To ate your total #1m-peri r*; and b r avenge daily balance by the pealed. Use ro rota Ntq ono sarrber of and ro days inmato 61Nkp dally bsals, tay be a slight vadmce batwem this Groaon ale our Ad on of flrlarlce dl. aeluWy aasewd. b. If the code Z ror N appe.s on to front of 1Np natorent as to 'Balance perm AppNad To; we muMply the ODDZF Important Notion: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the some day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. To better understand how your total Kmart credit line and non-Kmart portion work together, here are some tips for reading your monthly statement: The'Ibtal Credit Line" is the maximum amount of credit you can use for Kmart purchases. As part of your total credit line, you have the Non-Kmart/Cash Portion"available forpurchases anywhere MasterCard' is accepted, as well as for cash transactions. The Available for Kmart Purchases" is the amount of your total credit line remaining for Kmart purchases on the date your statement was printed. The Fbrtion available for Non-Kmart/Cash Transactions" is the amount of credit remaining for non-Kmart purchases and cash transactions on the date your statement was printed. Remember ... you can use your Kmart MasterCarde' anywh its MasterCard is accepted. I ? CW Account $ummarv Previous Balance $1,557.88 Payments, Credits and Adjustments $60.00 Transactions r $730.05 Finance Charges : 13R 97, New Balance $2,266.85 Minimum Amount Due {68.00 Payment Due Date May 18, 2002 Total Credit Line $3,500 (Non-KmardCash Portion) $3,000 Total Balance $2,266.85 (Kmart Balance) $402.02 (Non-Kmart Balance) $945.39 (Cash Balance) $919.44 Available for Kmart Pterclu sts $1,233.15 (Portion available for $1,135.17 Non-KmardCash Transactions) At your service To aB Customer Relation: or to report a tort or stoke arc: 1-800-830-7524 Send paymeori to: Send inquiries to: Attn: Remittance Processing Capital One Services Capital One S-- P.O. B. 85184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 094 094-0402 MAR 20 - APR 19, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 04 APR PAYMENT RECEIVED - THANK YOU $60.00- Transactions 2 28 MAR GIANT FOOD Mt2o S18 MECHANICSBURG PA $127.05 3 02 APR CASH ADV. COMMON WEALT HARRISBURG PA 301.50 4 04 APR CASH ADV. COMMON WEALT HARRISBURG PA 301.50 5 19 APR CASH ADVANCE FEE - - FINANCE CHARGE 15.08 Finance Charges Please see revere sidefor important information Ba! sate P -di, Cwrr y.m?„,d g isuit. roil =pip E KMART PURCHASES 8406.82 .00000% .00% 6.00 NON-KMART PURCHASES $920.69 .04945%D 18.05% $14.11 CASH $634.61 .04945%D 18.05% $9.73 ANNUAL PERCENTAGE RATE applied this period 12333S PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 7 5307582077035141 19 2266850060000068009 New Balance $2.266.85 Minimum Amount Due $68.00 Payment Due Date May 18, 2002 Total enclosed $ Capital One, F.S.B. P.O. Box 85184 Richmond, VA 23285-5184 11111181111 itIIIIIII ItIII111A111JII1111111111111141111111111 Wean Armsadbeucbmgsbelo mimdb6uorblackmk. 23.80% So- Ape a City Slim ZIP H.- Ph- Altemaca Phone #9011042891197329# MAIL ID NUMBER KAREN HARBOLD 2522 ROLO CT MECHANICSBURG PA 17055-5898 N ? ? ? 11111111111111111111111/11111I11111111i 111111 II II1111111111111 AttOaW F+? -Tae F d.C?ta andA M ]INN 'ye?nt ?0. uerye ram tiv ? ? r,a"Joer ink `?.a,el tca,6 l Aryl ?K Ai" for aK s„u / r Pleare write your account number on your check or money order made payable to Capital One, F.S.B. and mail in the endlaed envelope. Remember... you can use your Kmart MasterCard anywhere MasterCard is accepted. Caowe Kk (?i9 C 2002 Crpad One S"- Inc. C.0*10- 6. ladweny rgiwrd wdu anti. AI dgN1 raar.ed. af?a aaaaa? 9 o : O 1b CV ta. area Forled. You will how -a maimun grace period of 26 days Wtlramlf ihunce charye m new puroNsn, new balance traubn, new spedN purchases and new oth dsgps ii you pay your tots 'New Bde po n I paym er acdrdarce War the hnponant Nalee foents trebW. and In time for it ro ba crodtad by your next statement dosing dote. There is m grad period on cash advances and special trarrbn. In addition, them is no Since period on any transaction it you do rot pay the tots 'New =p??c rate. To obtain the awnge daily balance for time dmn?qpe tied covered by His statement, we take the oegkve14 baiatmd of each sapmnt each MY• add aM' new torenrsectiar ro each segment, subtrom any paymmb credits. (If the mWs N ppesre an 7N irwnToof 1Ne statement and to ' Bslarrce Rate A)gned ,' we also subtract any Zd Arend rdugp inducted In the lsecce of each sepmmM Thh glues in daily balance of each aepnent. Then, we add up all them ny Nbnds br each segment lot r of done innlhe period and dNde by the teal vea d tine average duty bsend oat esdq s =.a Anew M..deB. Rr. IM11. a. The term 'Anmsl Porommape Rate' may appear as APR' od tls Pros m this statement. b. If the code P (Pdme1, L (3-mo. LIBOR), C (Cartlerafe of Dsp ' or a (Bsnkcaad Prime) a . m the ham of tale shamed next to the periodic rate0i), the periodic rates aM dnesponmdnp ANNUAL PERCENTAGE RATES may very gwneriy maV Insrnse w decrease based on the stated kmacas, as toad in The Was Stmt ?oumb, qu tM margin gpmeWOOly dsdded to you. These -=- WN ba et',w onthe nrA day of your bang period cured by your Pa. .. ending in the meals Janr qpd, JaIY and Octabm. c. If the code D IlMmel• F (1 ?rro. LIBOR) or O 13-mo. LIBOR Repriced MauNy) ?ppsan on the from of your statement nerd to the pedoAe rateb), the ddodic rain very tummy am may wrmear or decreer based on the .rated kmnpcr, as land In TAM WOO Seen ?ourd/, plus the magb proNaWy Asdasad to you. Then cfunmpee wtl be etbctiw m the trot day m your bXnng pariotl each -"h- 4. Aam me mood of Leta, Mien road Relearned Peynad Far. You account will be m a rased m more than two of iho br lined here that occur during any Wine period, Under the temp of your ctstomm agreement, we rostra the risk to aiw or std to area mmY br witlmou oryr mHACaHm to wnlmow walvhns as dgk to seater the rata or dmNer ]peede at a erer Hate. 5. =L- Yw Assume. It a me benNp tee the inns of 1Ns stnarsln, =, w 30 Hx also Hie statement wins to you to avdd peyNp the fee or to haw etch fee credited to you cmtkMnca Iodine M'=4r dNheu NWeo "you may m tai membership In.yTo account, g muPay nottry dyboV:, T "it Commit, Row: Depenmem and . emo Yyp bell pew to the erg of e m the period. S. "you Clsas Year Aerate. You can rotprest to dose yyoouur eccomaa by =d:: r Reellenr O pepenmed. You roy your credit came) and erxwrart scalp dseks, caned all premphorized biding, and dossyour secant. Ii You M not emmcN preaWsdzed arrangements, we wail redder receipt of a dmsrge yew auherizetlen re reopen your account. Adddomny, ywr accent we ml be clametl until you pay dl amonda you owe ue hmdudirms: any trarwctfom you Mw smdherized, Amnd charges, pa.r 0110 lees, owdNdl fire, relunrmed p.ymem br, cash dvarhca ton and any other br esseased to your they . Ym ere rospasWe br dhaae amouds rvlretto they appear m your accent n the time Yyou request to dame Hs accesmt or they are Incurred smbaeplen to your request to does Hate atxant. This mw resW In yen accoun if it Ns If already been dosed. Forand exewea, if you autlsri:e a pt =d hen a merchont mpl receive the transaction been the merchant after your oud Ns bean dosed, your secclax WY ou recpmstl, Zam of the?WN ba added to your acdlmni, end yyoouu wa be for pspnent. It there is a trmarbsisnp lee for yew accemmht, tints fee WY combos to be dun , to iho extant pemaned by law, unit tai accent Ns been paid in bN as de**d above. 7. Ystm Aa asses Your card or aecourt camm be le dnamectlen Wtim any Internet gambling namemioi . 8. Nodes AYmd 6ssemds 0* Conversion. When You provW, ¦ deck as payment, you authorize d either to use lebmatbn tram you deck to make a --time electrode Mai tremor free your bank account or to pea„ s tbs pay as a check transaction. When we had tnmfw, fume m yey a =1 em your bank account as soon as the some day we receive Payment, and ==.,!. recelw your check beck from neccb your your Al BILLING RKH4TS SUMMARY Iln case Of Ermm Or Gumaxam About Your 801) It you Mink your bill is wrap, or it you need more Info-stlen m a transaction or bill, wee to d on e separate sheen as -,%.P= at the address for if" shown on the ernam. We most heat h en you m elm then BO deya?i ths we in you the ther .p1 our o QalWieremrer =-=,-b ad pp-md. You can peat , ddrg r Wt not Inbrmatia? risks. kn yaw otter, glue ue tai bOovWrp yew name and ter, a number, Hats alder emaad of the suspected enter, a deecdptim ".*%' error end an expenatbn, If pOSSlbie, td whyy you batthere is an error; a it you need mate bI matlon 01 them itran you am unsure abed. You do ram•deecptlon Nw to pay any ere stM led ro vine are Mveyou T h, big vat pay Hats pant of your bN that me not in question. ewe le.. a span -"I-' wa camat report you as dMkmpsnt or to any actim to collect the amount you question. f,t Special Role For Credit Card Purchases I1 you Mw a prdliem w1M the gwiy o1 property or rMcr aim you purcheeed Wth a credit um anti you how tried in good fattim to correct the problem Aft the mends-, you may Mw the dad rot to pay the remaiNng amount clue on the props?y or rMees. You Mw this pmombn o ywlmm the puntmaee prka was mate than 560.00 and tls purclww wss made n yew Isms state or within 100 mNea of your maNhnp address. 111 rue own or opente tai marcILfd or R vre mated you the edwmsensnt for tiro pfppa?y or rrvids, aY puroMar ere dwred ropsrder o(ameutt or bcaNm of pumsr.l Plesr remenisr to den sat correspordaece. t Does sot &A* b cmeomer mm-credh card ncowts z Don -1 apply ro b osi-se non-credit cmd ecdoets Ca 1 One supports Information privacy protection: sea our to at vyww. talane.dah. Capitell Om e a federally redstered rMca mark of Capital One Fhsrmdm Corporation. All rights reserved. 0 2003 Capital Oct OI LOLB.AK b. Aammiy Fksnsa Orga. Tmrrsmions which are not w6jaa ro • srsd period em assessed finance dutge 11 treat me dine m the trerssction or 2) Irons the dam the tramectian is procared to you Accent or 3) from the Bret cserdar day of H1e curter bfl kq period. Additionally, 1 de not pay tho 'New Balance' from the previow bneq pealed In full, fihxmce dsrgr cermthale to accns to yyoauur unpaM bsWmca until it. utpaid belence fa paid le fill. TNs erns the you may eta owe enance dmelgss, even It you pay time entire Now Balmmd holemed on the iron of =rd ststomer by Hs ==UV 0eklq de, but aid , r for the previd finance drarges are added to the sgpeao Of Your Accent. t c. kaairrem Fipswsm?b?ctTar ndn fiAYrp period that nk- tail "RN4?NCE `C=1Etof Wfi60 11 be imposed. If the total Amnce therge reebin1 hen tM 13rc ion of your periodic one(s) b Imp lain A0.50, wa WN eWtZ that amain tram the 40.50 mkinun and the difference will be === d. er Fkrwe tarWge. We nrssrw tM y or an flmrce surges br any given rnp . 2. Av= 0 ppees__odW estates I Naw Rrsmswl. a. France dsryp Is eater madtiplyhq the deny balance of each sepnem of your account (e.q., cash advance, pudur, speed tnnsbr, and speed Putdsr) by the drrnpenmdnp dally paedic ratelsl Chet hats been preMadyperi dacbsed I yd. At the end of each day the bites od, we apply the dally pedodc to for each sepnant of year acccum to the daily Mond of each eepnent. Then at the end of iho dllkq period, we add up the resadts of that dWy cscdaHas fo sew .r r padodc Anhsnhd dares for eadm sepnent. Wetadadd up the rndre from each r)Frmmt to ants at tai perbdc ennmd dwge br ymr accent. To get the MRy bal ance r:Z balance for eadm of your aaxaan, vw take the heel end an rialic fi de arM m new irarsecttae y pe Me ala4ted m the prevbua MYs sand br that sspnsm. We then subtract any payments or credo posed ea of that My that ere aflocetad to that aeQfnem. Thee afros r the separate dally balance you peidthe However, if in Ad for east aepnent o1 Yaw account. New Balance smown m you pro Anetensm if your new balance was zem or a credit amount), new trmuamian vufich Post to yaw pumN=1- miqt added to tWe balance balances t r e?rd A yy by eddrmq ap tM I of oselhe Main no time sun by tho aarmM of *1 daeeydlrirhe ctwrem bolus cycle. To cakdate your ford qe, madtiply Yew awroge easily balance by Hat dilly dodo rate mend by the number of Made in the biNhng pedDUe to rarMnq m e Mny Mds, tfrsre may M e digs variance bstween 1.:=basis s esalatim end H a amount of flnsnce durgo ectuNty ammessed. b. near o -Balance, Z N agsan ie ITo from m this the 12JJJJ Important Notlw: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wbnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. xTWea Cardhoklm - Pkwe nVoy your exclusive discount TODAK Good at any Kinart sto until July 15, 2002. We thank you for your buAwn. C ?a Iml K Account Su nmarv Previous Balance $2,266.85 Payments, Credits and Adjustments - $70.00 Transactions ? $1,034.99 Finance Charges {5e_51 New Balance $3,28637 Minimum Amount Due $98.00 Payment Due Date June 19, 2002 Total Credit Line $3,500 (Non-Kmart/Cash Portion) $3,000 Total Balance $3,286.37 (Kmart Balance) $397.33 (Non-Kmart Balance) $1,370.88 (Cash Balance) $1,518.16 Availablefor Kmart Parehasa $213.63 (Portion available for $110.96 Non-Kmart/Cash Transactions) At your service To all Customer Relatiom or to report a lost or stolen card: 1-800-830-7524 Send pa7maas to: Sond ingnin. to: Asa Remits.- Procuring C*W Ooe Servmr Capital Ora Services P.O. B. 55184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23255-5015 11629S •--------------------------------------------------------------------- i KAIART MASTERCARD VALID 05101069 548400.01 r ' CERTIFICATE -Mm 07/16/02 ' r r , r , r O%el" , r , r , r , All REGULAR III ALERfKMnKE" 5700 0012 3456 IN THE STORE WNEN YOU USE YOUR KIMW MASTER(ARa ; ,C r ' OIAOMhnW iD "bNa Neal K 0o/ 00 - ooxe a IKNA?rdIlaAfa llb'""?'M ?" KRbRT CUSTOMER ; ma blaoa?m d a8N 61 sarmdrad b raNrbr glydOr. i r r *Ford* I0% aR pa orm alai; 60*1 b sa1N4 11401 RtrdaMbo ah..10% on Ear ft aRr da s rot Wole tebma, 6whi r ' Dranries, -w an Imagers, did faadt Wtrp tNkrs, Glrr tab d kal Nast e mit,1" Mlrlre wnanry amace, & my trab, wW* br, m0atq lame a k crk ?.W 5air, pb Wpm pdwb, w b k. WOMWin, sub d ' W bxa. Omrft bow to Eraly p aANs as tale b dales w dNplha$m Ir papas of nris r ' 02002 Kart Qwom i r , i RE65TBl OHO MR: d%$ maw AS AN ANNE mm. am THE aWgKIU n mo el AS THE AS500AR ID wAVER. i i hdarbiOnNomber 00206-134-3509 i RMEEMAKE AT ---------------------- ----- ------------------------------------ GOLD MASTERCARD ACCOUNT APR 20 - MAY 19, 2002 5307-5820-7703-5141 Page 1 of 1 Payments, Credits and Adjustments 1 02 MAY PAYMENT RECEIVED - THANK YOU $70.00- Transactions 2 24 APR CASH ADV. COMMON WEALT HARRISBURG PA $301.50 3 24 APR AMES DEPT STOR00010397 CAMP HILL PA 176.37 4 25 APR CASH ADV. COMMON WEALT HARRISBURG PA 301.50 5 29 APR GIANT FOOD STORES #5 MECHANICSBURG PA 132.87 6 06 MAY WAL MART MECHANICSBURG PA 122.75 7 19 MAY CASH ADVANCE FEE - - FINANCE CHARGE 15.08 Your Kmart MasterCard is the one card you need. Use it everywhere MasterCard is accepted - over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas, your card offers the purchasing power and flexibility you deserve. Finsume Charges Pluuererrerxneridejor important information draa P i,Jir Cmnprlasd W& ' gaplirJro I' ,mr APR KMART PURCHASES $399.20 .00000% .00% 11.00 NON-KMART PURCHASES $1,2A1.92 .04945%D 18.05% $1842 CASH $1,417.39 .04945%D 18.05% $21.03 ANNUAL PERCENTAGE RATE applied this period 21.39% T PLEASE RETURN PORTION BELOW WITH PAYMENT. T : m ~owl 0000000 7 5307582077035141 19 3286370070000098004 New Balance $3,286.37 Minimum Amount Due $98.00 Payment Doe Date June 19, 2002 Total enclosed $ P4mr print ad6rn rAardrr bdmu sairdblue orblark irk Saes, Apt 4 U.17 Sane ZIP Home Phone Alternate Phone #9013942891197328# MAIL ID NUMBER Capital One, F.S.B. aaaa?a KAREN HARBOLD P.O. Box 85184 O1 2522 ROLO CT N MECHANICSBURG PA 17055-5898 Richmond, VA 23285-5184 Please rrmiteyour aunt number on your rherk or money order made payable to Capital One, F.S.B. and mail in the m1wed en-Ape. re done" 0he' QqKhWGtW Qoe' ow 0W Doe' 9 O e .- tV rw"OW \er 0W (y 2oo2 capital Orre Semlres, Inc. Capital One is a federally registered sereice marh.HD rlgbts m-rvd ta. awes bled. You will haw a minimum grace period of 25 day. **out treroe durye on new porch-, new balance transfers, new q purchases end new other drorges Ii you pay Your total 'New B.laxe', I. serrordmree vNM the bargeman NdI- for pay-nit below, and in time for it t0 be crodtad by your next mat mom =.10=n There 1. no grece period an cash adveMXM ensbm. In addtlon, them is no Qreoe period an any haasacnbn if you do not pay the till New b.l-.' b. Aasuky Firaese t7tsts. T, coons v"ch are not s6Ject to s grata period are aaeesed flrunce d,rge 1) flan the date of the haasactien or 21 Iran the date the moreaction H yyraclosed to your Accent or 3) from the fan e.lsdar daY of tls aurora 6iarp period. Adddarolly, ifyou rid nil pay the 'lbw Blanca' Iran the pro'A bfsrp Pe le IuN, fintartce drorges xndmm to exnre m yyoouur urpmd balse:e rtN the upld baWee Is path in Jul. This near eroI you mey aril owe fiasxe P=. even you Pay iha emirs Nov, Bataros Ind-led of your stateroom by the road moment doalng rime, but rid not do es ter life preHOes nrrornln. Unpaid tN=M e. o rho a ae?rwnt of yax . tc. Mtkwwr Runes .For rich biarp period shat Is. To obtaut the average dilly Wlaoce for tha ad covered by IN. NNemem, wa lake the balance of each sepmem each day, add any rrevv r to sad aepnom, end eubtmm arry?ymmla ill the code TeppI or an the ham o Wa nerd 1a 'Blanca Raw Applied To; we Ow 1y mpld trance charge Included In the balance n r of deye M tM oNNp period. TfYebylvae as 11,11 the eve Ipe defy balance of each segment. 3. Atesral Iaeeetags hates e. Thor lam 'Arran Peroempe IAlR6Rata' may appear as 'APR' an the from of thi. mnera1-1. b. If the code P IPdme), L (3 me. UBORI, C (Certificate of Deposit), OF S Is rdthepstb Prime)de M., th appesm on the front of this stateroom nee to pck rates end xrnespottdnq ANNUAL PERC fiue 3E RAsdoTE may very quarterly s may increase or decrease based on the stated indices, as found In rho Weil Street Jaunsl, pus the maryln proHousiy dsiesed to you. Thaw du wa ba effective an the gas day o1 your l!t periodscoJanuvered by your pedodc etatamem errdng the matthary, APd, July and October. c. It the code 0 (Prima), F It mo. L180RI or O 13 mo. LIBOR R lukad MaeMy) man next or Use front of your etNernrem the ramW, the pa?od? rat and cortesoartdirro A PERCENTAGE hATB es may vary ntaNNy a may Inlcnases or deerasas based m the stated Indices, an foul In JIM Was Snsat Jorvnsl plus the mergM preH! dsdowd to you. Tfees Opel will be eNBCdve m the fm day of your being period each momh. 4. Assaeamrf of Leta, overseas, said Roke nth Payenad Fees. Your mccaed wU be assessed no more than two of the fees lined hem that - during any blallg peded. Under the terns of your customer wai agroemem, roe ren%esrve rho riglM to ve a not to assess any teas wlthwl , mdtcatian to wNhad vslvktp our dgm to % assesso the same or similar s eta filar rime. 5. Yar Aeestse. If. membership fee 30 eppesre os the iron of this wtemem, you have days from the date this •tateomm wee mailed to you to avoid psykp the be or m have each fee credited to you if you osrncl your sccoun. Durbg this period, you may contra, to use your accaan wehau t= to pay the memh 1= be. Toourcancel Ymrr amour, yea must andpay yew 'New cut' in full am Rlafpns Dep.rtmem the rnenrimep fm) d. to the eM of th.I r ny day period. 8. N reu Cbae Yav Aesase. You can request aces yyaouxr accetas by usng err Cutanan Relatlorto ro Defmrtmern. Veit must destroy your credk cardlsl end axaum eoceas deco. ceneml Nyo Pwutha(zad Nlkp, end cease you aCCgaN. It u do not Cancel preauhadzed enerpemsms, we wli con", receipt of a charge your eWwdzsdm to reopen your amour. Addteesfy, your accasn vat not be cloasd unN you Pay all amorras you owe Z==, ny transactions you have mhmi lid, pail de fees, ovedimlt lase, retuned psyman test, cash advance feoure respadbies eend any othere les to us tses aed ama.n. to your exeunt. V wllethar they appear an your accsart at the thne you repast to dose the acxran or they am mwmed aywgtom to your "Him st to dose tha account Thu may reWt in your acosran N n has already been dosed. For easngrle, i1 you eratrodzed a ptxchees ham a mNtlsm and we receive the tramadWr from the metdsnt offer your accatan has been dosed, you eccaun wU be reopened, iha emaaa of the durrpg?vdf be added to your accoum, end you will be nagnorrtbie for p.ymtmt. If dnere b s to your mor todrqr?peedd?, to iheefs pem?dmad by law, until the .tenon bafanrae Ins best path M kM as dofke d above. 7. I1Nr Your Aaawtt.Your card or eccoun cannot be used H connection with any Wemm gambling transactions. 8. Nally Akwa Elsalrsrnis Owk asfvsrslsn. When you ymeyou atetrorl:e u order to PZ a dsek ax u inlomrotian our check to mete a ere -tune efectrordc funds transfer from yon bank account or to plasma ess:: ntram as a =k trausetion. When we info tr k to had transfer, ksds g:y a awwtt from ylouut bank account as soon as the fame day we receive yea youryour rdN lostltudon. receive your check beck item BILLING RIGHTS SUMMARY Ito Case On Errom Or Ousadms About Your BID If you think your bill is wrap, or it you need more Informed- on a trrsambn a bill, weite to u on a .epame alleet es eon as possible at the address for MgWrbs mown os the hail of ilia slalsasm. We mum hear from you os Wat than BO 6p .Mr roe son you the fiW bill on watch the efmr or problem appasmil. You can GI our Ctssomaf Relations ramlba/, bat deillg f0 Wit not yyreesrve your riplns. h ==t.- rho folbwing etlon: you lame r, tha r1Nar entorsn N the wrpeaed error, • description of tha error nil m e?lwtlon, it poasibia, of wAy you pilaw tharo is an error; OF if you need more Inb You have u do do i; rot a of the ram you are rssws abort. toR= y any anwren is while we erg byea1.* n, but you are sta lid to pay the pans of your 6Nf thatare rot In lueetlmee wo M to your qu talm, we carrot Pon you deikrgt or to any action to collect the .Frara t You q==ern t,t Special Rule For Credit Card Purchases If you have • probem wfh the guaNly of proportY or .erviosa that you prrdssed liar a credh ard and you have trbd in good Md1 to rrorrect the problem wNh ere amount t dyou may have tM r serice to p.y the r q doe an the propbrty a esrNoss. You have this tats p•60.00rotectknanoilytie dwMnUtsn to puwas made In ohses pram your was moro than Wes hone mate or within 100 rakes of you operate mNkp srer.as. Ili we own or dtedsemsn is dne?pmperry orvl roe N purchases a covered reg.dess of amour or bcatlan of purohaes.l Reese remember to mgr ail correaperxbroe. t Des. net apply ro ConaamM IIaII-creWr Cad sccnunm t Does not apply a business non-credit cad accounts Ca ' d One srppons Information pdvacy protection: see our e N www. alone.com. eRl I' r regst vervice mark of Caphel Capitol One ryaat Al IgMa re-ved a 2003 OILGLBAK tai frnannee catrye fiom the o1 you pedatc wtslsl b ha then .60, we arbtnct their aatoun from rho f0.60 minimum and the d/brence veil ba b11ed to tha purchaes espnsn of your ass. td. In an the 10 a itsitetisr y or .1 alp. We amerve d?tt to not aseew anYwahriNlr?Wrerrce durpee for any given 2. a bINVRa .rop ?o!BI emNamd h' rrrmNPlNrp 1M1 defy advmos pueha ipedN t ur account 1 ospurdses) by the cernesparldrp defy penbdc ratelm that has been preMaeiYpdsyour lscbsod to You. At the end of esch Gy during for sad the MFq t dad, we ghiy lie the da daO ler rate of each aepnent o at the an to lit l_yy bapeo eegman. Then at the and of the hsbtg period, ore add up the rests o1 ewe dNy calm+lias to erdve et you Periodic trrarrce charge for ==% dd an sts Iron each sepnmr fatal periods trance drarge br your arxernt. To get the d.yy baler- In r each eepr,nt of your accarral wa lake the oepmwp balance for each sepnant and add arty new iranresCeae and any oedode Bronco charge calculated on the preNae M9== *4M,=, n ct Papaned ore of are Nanyxsf.d to that .egasm. Th , gives us the -"an. daily balance NbwaBalatahawn ai accaran. However, if you pad the if your new balance eau :faro aiedt emoudln kd for trareeetiors watch post to year Purdses or apedal purohees esprems ere not added to tie defy balances. We cskulere the average dNY bNsoe by addnp eat the defy the days days in in the cend rtvidng ore sun by tha ember of the the rnrraa DNYrp cycle. To c.kulate your teal flnsrrce dsgp, year average daily balance by the dNY rate and y the camber of days in the bi kkq . Ouse to naedrp m a dWy ba.b, them may b. e Ngln oedema OOnYeenn this csiculsNan end tie amoud of Marne cho scluNY aaseaesd. b. If the rode Z o N appesm an the here of this Nabmem next to 'Balance Rile Applied To,' we multiply the 1/6295 Important Nadoe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the some day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. ?` . /Y1a`.?lt,atty 034-0502 C?e now EML Account Sttmmaty Previous Balance $3,286.37 Payments, Credits and Adjustments $100.00 Transactions + $14.61 Finance Charges $50 m New Balance + =3,280.99 Minimum Amount Due $98.00 Payment Due Date July 19, 2002 Total Credit Line $3,500 (Non-Kmart/Cash Portion) $3,000 Total Balance $3,280.99 (Kmart Balance) $396.12 (Non-Kmart Balance) $1,399.65 (Cash Balance) $1,485.22 AvsilableforKmartPurchases $219.01 (Portion available for $115.13 Non- Kmart/Cash Transactions) At your service To call Cuatomer Relations or to report a lort or stolen card: 1-800-830-7574 Send paymem, to: Send inquiries to: Attn: Remit[anat P-arig Capital One Sacks Capihl One S-6- P.O. B. 85184 P.O. R. 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 MAY 20 - JUN 19, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 01 JUN PAYMENT RECEIVED - THANK YOU $100.00- Transactions 2 It JUN THATS TANNING MECHANISBURG PA $44.61 Capital One has joined with Progressive Auto Insurance so they can provide you a fast, free rate quote with no obligation! Call 1-877-397-5374! You could save $400' by comparing rates. Mention code P700. *Possible savings based on rate variance of annualized comparison rates calculated by Progressive on calls received from 6/1/01-12/31/01 (excluding variances greater than $1000). Rates and actual savings will vary based on driving record, vehicle, address and other factors. Finance Charges Flea e see reverse sidrfor important information Balm u A-& d yydi m rda fPR WART PURCHASES $395.80 .04945%D 18.05% $6.07 NON-KMART PURCHASES $071.38 .G4945%D 18.05% $21.02 CASH $1,495.08 .04945%D 18.05% $22.92 ANNUAL PERCENTAGE RATE applied this period 18.05% 13649S PLEASE RETURN PORTION BELOW WITH PAYMENT. Ca 0000000 7 5307582077035141 19 328099010000 0098009 New Balance $3.280.99 Pba,ep.ms adieu el gu kelom mindklue orkl k mk Minimum Amount Due $98.00 Payment Due Date July 19, 2002 sn«t Apt. k Total enclosed $ I C:ry Stare ZIP Home Ph.., Al... Ph.. Capital One, F.S.B. i- KAREN BARBOLD P.O. Box 85184 Richmond, VA 23285-5184 _ #9017142891197321# MAIL ID NUMBER Pleme mriteyour account mmmber on your clerk or money order madepeyabte to Capital One, F.S.B. and mail in the enclosed envelope. 2522 ROLO CT N ! MECHANICSBURG PA 17055-5898 r i rYi O N your accent 11 11 he* already been dosed. For example, it You aWadzad • PardFate ham a merchant sld we recsive the ireusaetgn tsornh the merdwe after your accent hall been domed, phu ataaet will be maperod, do amount of the cMage_MY 6a added to your amount, gird yyoouu win be rwparrlDle tm prymam. If coo is e membsnsltlp Ise br your atxaamo, tle fee vital ramkaFa to be ch. r, to the assets permitted by few, until the scoots" b?ance Ms beery Paid N kill as defined above. 7. lbYra Yee A- M.your card OF ement eamm be toxafin connection with my Hornet gambling I.Fro lion s. 8. IN." Nee 6esktNs pork 0-sloe W:7, her tyou provide a deck r - , You s 6. to hue Nbmotbn tmm tan deck to make end ebctronic hmppaad transfer from you bank account or to kdanrtlen fmm as ¦ dock tnnhsactIon. When we end Imobr, kids may e?tlrdrawnhehanrr tax Wnk account as soon as the some day we recdve your pycor Nrhorhdal iYou will ? Your deck back Iran BILLING RIGHTS SUMMARY On Car Of Enron Or Questions Abet Your Bill) If you 0" Your bill is Wrap, or it You rated more information on a transaction or bill, write to us on a agorafa ahem as soon so posaiMe st the eddrer for epodes shown m the from of Ida st t-w. We must hear from Vou no later then BO d.ys offer we can you the Aral bill on watch the error or proden eplfeorod. You an call ohx Cwemar Rsiatlar reslhber, but ddnp te win not n umw Imn:?ymnnarsN ., nd.cco'rr.'m raanDusarA,a ddler amen of the atatpen.'7N error, ¦ desedption of the error and an explwtlon, ii prsab of whyy you balm tare is en error; a I1 you need more IMOrrnatm, ¦ dsseriptlon of the Iran you are uoure about. You do not hva to PaV any me wt co veto use ero bvrtigstlrq n, hu you ero sl fa pall tlhe Pan. of teat dK tut ero not N gusstlon. we a yea quesllon, we cantor report par r delNpent or is arhy actor to caeect the amour you question. t,t Special Rule for Credit Card Pudoses If pea have a problem with to quality of property or send- tlhat =I== a M cam end have tried N f:* oblem with the merdem, you Ins Mte the rids not to pay the remaining amormo due or the progeny or ashes=. Yom have tins prmectbn ably wien the prrchate aiw woo more than !60.1)!1 and 1st pu_ car mode N pea lame slate or within 100 mass of Your maWng adamse. Of we own or operate the matdFant, or If we maned you the advemse son br 1st p sly or somicea, as purchases are wwmd fogerdess of amo tea or ka"ri n of purchase.) Please remember to sign NI coirespdhderrce. I- Does not apply to consumer rtorr credo card accoratts t Does not apply or hushes; non -credo card accounts Caphel Ore supports Ininmution privacy protection: we our one is a facarNly reYMerod seMce mark of Capital atalal Coporaton. 1 rights reserved. a 2003 One - 01LGLBAK 1. row TO AMat A Fllanee areas. to. Qess Patbe. You wa hete a minknun grow period of Z6 hya w"hwt Wwrce drrge mr. pedock rate. To obtain the avenge daft balance for the dYfq cod wveredby t de atatemea, we ta t ke M se For h °oth baWhca tronalen, new Recgl er c if n ? y p e 1, orts Fo ae ar i-We l o you pay your tow amardanae Mtn the Im onam Notice for m t bel ie dose li n an the Mm o1 W n 'B l ' p pey m s ow, and N done for it to be credited by your non statement eomem roar to enw Rato AppAed To, a we eieo rmct .sly upsid In- shags htdrded in thebaimw dosing dine. TMro is rho grace period an cash advances of each segrorm.) Thla glues us "its dYly balatae of each and apsew trallfen. N addition, there is te grace peFind ne{etwrrt. Tfran, we add up all the dMly1t Mlarv:ee IF each m any reaction if you do rat pay the tad 'New ' segment tom the dYkp period and since by the trial balarae. rhhnber of days N the DYNrq dod. Tins glues w the Pa b. Aaatdpy Ftlrros alp, Traroacdar welch ero not sra)euti to • yaw Parisi ero nteeted Hence char e 11 awn defy bWnce of eeM sap . 3 A st 1Y1 fAPRI g horn the seta of the tratoectim or 2) flan the Nte the . oa r . a. The Ion 'Almost Percentage, Rota' may appear se "Feadion q oroceaaed to your Ao;r or 3) from the A l d d f he APR' on the from of Ma rummers. axrom bitYnp period Additionally, m ca enh ar ay o t ' b. If the code P (Prime), L (3- % LIBOR), C (Certificate of it yyoouu did not pay the New Yagr cecemNue t ban tleogim preMaato fhfilllhg period N kin finonoce charges me d Ws rtettment (I Depwhl, or S (Bankcam PrNro) appeen on the ham of to the ri Y fagl the f r. , tyaarex opals baWhw hsaY the unpaid balance Is Paid N IA. Pa a C re , retw and cmreapjh ANNUAL PERCENTAGE RATE Tds mew "hot you mayy ate owe finance eheges, even it may vary portariy anMd may kroroate or decreer based you pay the emhe Nsw Balance Indicated m tlFa from of m the eared edcea, as bard N The Web Sheet Your are more by the next slnmman desNg date, but did : Journal, phr the merdrn p y dadosed to you. 9 o l con do for the Pro= mesh. Unpaid banes charges ero added to the app tepnent o1your Account. s Ttape cFerges vviY ba eilx v e m the Asset deV of your being peverod bV You periadc netront ending * t c. keslaareh Fitatoa Qrp For each dYkg period that you account is asuhrppl?eecctt to a trance cloy a nhehentan In 7M M=: Janwry, April, Jdy and Octoher. c. It the code D Orders), F (1-mo. LIBOR) or 0 (3-mo. foul FIIIANCE CHA71OE of 00.50 will ba i . If the mpoaad tow Insmar de from the application of tsar dedic mte(s) 1. bin than 50 we will bt d tD t LIBOR Repriced MoMhlyl appear m the fmm of your ememem nea to the dole raugl, the pedodc rtes d d AN Pa , ah ra e amount hem the 80.50 mMmun gird the lift- will be erodh dq en Ml1AL PERCENTAGE MTES may vervwnanddy erhdmay Ncrosr or dc-- based on the YrNgd to the pursued atpnem of your amour. td Ten*araty IlWetler in FMes Olw We Feel the b armed Yhdws, as ed in TM Wall Street JouaW, plus the me hh vi d d b d The d . p. right to not assess any or NI Arne dodges for any given g pre oh y ac ee to you. n nrges will beafbctlve m the AM day of your biting Pariod bMirg 2. -= sabres IfaakWta Nwv Melaessl. each maMh. 4. Assassinate of Ley, OvtaiM and asserted Pavel Fes. . Rnance Madge la cala4tN M' mhNiplykg the dsily Your amass will be ewasss no mad than two of the fees bad- of east aepnea of your aoceua (e.g., web Owed hero that onto, dwelt any dwdg period. Urhder to = bbl , purcMa, epetlN =, r apehdal punier) temp of your aattomer ayssmend we ddht to = 6 the y resporabg dally ) that Ma been previady diselessd to At the end of east ds ou sahe aive or not to assess any t- will t prior len to I- dtl u i k i h h y . y b sine dYeg genies we apply tat Mily perbde me for each v a wu v g oa n g t to assess t e same or similar 1Yoesus et a Inver tme , te(prheda of your amine b the dallyy bsiatae of east . 5 71Mewir Yw Aeaerd If a memb f r hi sevrhae. Then at the and of the hNlirg period we add Up . Y . e s p, ee appear m rho trap of if sgtenreN you Mve 30 , the yrs. of "Fate dally calniet am to arrive at your Padodi trerae charge for eedh te :: nem W. adrl h h '' "he , data ban the date this sutamam was maned to you to suds i th b t h h b W . . . p reeYb from each segrnam to arrive at the total perlodc Pay ng e e or o e. suc e credites to ym if Youwdsst your amour. Dahg tYt Pariod. you may Arhsnce Merge br your amass. To gat tle dallyy balance for east tepram of pus smohnt we take the be xte coratale b hM your aceprrnt witFaU Mvkg to Pay the membersiY fee To c , g g balance to each segment and add any new transact iao nd ri 1 Ik h l p . *rUotyour accou t, you must remit us by cYNg our ater Rd"" Department ' e my oa o c pnes c ange ca culated m the previous day's once br T1 s(Prrwa. We "rah Mrtrad any N firX bnchdrs the gird Pay E New Belayed membendp tats) pdw to the end of she tdrl, d period. Paymenn or cresposed ss of that dsy tlut ero epacetad 8. N Year Cbas your Asserts. You can mauled to dote to that aepnrht. 71hb give us tlFa sepsrate defy balance year acct" by caNtq ax Custaner Rotations Iur techtepnent o/ too arxahaa. Howeter, if you pwaid the New Balance shown on your p-lora natemam in pa for eD pinmae. You nun decay your cteM wmis) and accaum om ll t h k l if your new balahr was zero ore crest amine), new a prru atzod b{Ymg, and veer uNng c ec s, -noe your ancoua. It you do na "noel trorwctiono wNeh post to tax purchase or spedal _ P" 'zed elNrg anargemoms, we will consider puMrae seOnsrns an not added to the dWY baladhcea. We wkxdne ifhC averpp dYFy balsrhce by adding of the hbYy receipt of a dhsrge tar authorization to reopen you accoud. Addtlaufiy, you arrant wM not ba domed balances together and dvkFg the sun DY the nnhber, of hntY you psV all amarass you owe us YduMg: any the drys in the otrmm billing cycle. To calculate your total irerhssctloro you Mte authorized, tnhanc?e =ages, Pan fir - dodge, multiplyy tax average:fW: balance by 1st d pedahlk nu and Dy the number of a N II1e dKin due toes, ovedmh less, refuted Payman Tees, web d f d h t y g period. Ua n rwdrg m a dsily bash, there may be a a vance ast an any ot er wo assented to your main You are responsible for tlatte emaums whether aNght v riorhw between this wlculadon and the amour of . tiny appear m your anxoun at the tlme you request to fi- ch. aelusfy aster ad. date the account or they are irhhanrad to b. If the code Z a N eppses m the from of this slatemem " ' your roghpat to dap the acewr. This may in next to Balance Rare Applied To, we muldply the dFaryps appearing co veto account shat you hew r JOVab Important Notlos: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. NEW GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 Ci CW Account Sum narv Previous Balance 13,280.99 Payments, Credits and Adjustments - $100.00 Transactions + $.00 Finance Charges 4 $48-57 New Balance $3,22956 Minimum Amount Due $96.00 Payment Due Date August 19, 2002 Total Credit Litre $3,500 (Non-Kmart/Cash Portion) $3,000 Total Balance $3,22956 (Kmart Balance) $389.87 (Non-Kmart Balance) $1,377.84 (Cash Balance) $1,461.85 AvailzUeforKmatPtucham $270.44 (Portion available for $160.31 Non-Kmart/Cash Transactions) At your service To cell Customer Relations or to report a lost or stolen -& 1-800-830-7574 Send Pa7sneats to: Send inquiries to: Attn: Remittance Prooessmg Capital One Services Capital One Sariw P.O. B. 85184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23285-SOIS 034-0502 JUN 20 - JUL 19, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 11 JUL PAYMENT RECEIVED - THANK YOU $100.00- Save 1096 offyour family portraits at any Kmart Olan Mills studio when using your Kmart MasterCard. For the Olan Mills portrait studio nearest you, call 1-800-523-9943. Firranee Charges Plemesee reverreJide for irnfmfant information BA- we PI.olir Ca,rrrpo,sdwa ?L'$ gplirdto eels AAPPRR ?E KMART PURCHASES $395.33 .04945%D 18.05% 95.86 NON-KMART PURCHASES $1,3%.94 .04945%D 18.05% $20.72 CASH $1,482.28 .04945%D 18.05% 921.99 ANNUAL PERCENTAGE RATE applied this period 13622S PLEASE RETURN PORTION BELOW WITH PAYMENT. Ca'OWa 0000000 7 5307582077035141 19 3229560100000096006 New Balance $3,229.56 Minimum Amount Due $%.00 Payment Due Date August 19, 2002 Total enclosed 1 A-print adi- r6mers-ld saindblsa orb1r4 mk. 18.05% weer Apt s City Stare ZIP Home Phone AN mare Phone MINIMUM, #9020142891197326# MAIL ID NUMBER Capital One, F.S.B. ! KAREN HARBOLD P.O. Box 85184 N 2522 ROLO CT Richmond, VA 23285-5184 L ! MECHANICSBURG PA 17055-5898 Pleare aniteyow account nsanber on yow cberk or money order made payable to Catital One, F. S.B. and mail in the endured envelope. r M M _® ..= M M O O ?i d Wade me. To obtain the average daily balance for the billing tied 7,d by tli Matmom, sus tab the bNarce of each sepnem esdb day, add any mw tm- to each seprrart, and subtract any payment or amdts. Ilf tie code Fail appsm an dm iced of tale stsmeht mat to ' BNanas Rete AppYed To; we also atrbtnct in arty'paid ensrce chaps bcludad the belance o? taprmrn.) TNS elves u the dsNy balance of each TT1Mann sus addp etp?ioNdI the daily balances for each r of da Y• In 0. W period. TN bfllbg kt?k9 and dividesbYitwhea tealuthe average dally balance of each segmmrt. 3. Annual Paaeaags Rd= IAFRI. a. The tom 'An ami Penxmsgs Rata' may appear ea APR' an the from of this statement, b. If the code P (Prim), L (3-mo. LIBORh C ICenMcste of tN0 a atanem m xt to the pedndcep motels) the pe'adcc rates std cottaapondm ANNUAL PEfICEI{TAOE RATES may vary quneAy andmy iroresse or dscraue based he rated N rime, as touN lo TAe Waal Sbeer an toranal, pee the mra' pproviouly dsdord to you. These dw?pes wiN be etlectiw n tlhe am day of your bRbg period cowl d by Yntr in pedodc mtemarn endrp the momhe Jantary, Apd, JWyy std October. c. It the cods 0 IPrbmel, F 11-mo. LI80R1 or O 13-mo. LIBOR Reodcsd MornNvl or n the from of vaur IIUJ tm mrgtrh prowohry assure to yohr. I t,- =p. ba elfectiw n the em day of your billing each mash. 4. Ass rrr I of Lass, Overgera and Rdntad Payarom Fees. Your account vest be somemed no mom than two of the tees listed hem tint occur dubq my bflWrvs rg =U ndthe temp of your cuetamr apreamnt, the tin to wales or not to assess any feu wisaut prior notlacetlon to you whhon wNvbhg ou right to assess the tame or Nmflar fees n e 4tar tree. 5.'rRomwYq Yams Messrs. I1 a membership be appears an the from of We statement, you hew 30 days from the date No stateroom wee mafled to you to avoid payBg the tee or to hew such tee created to you it you prcN r anooua. D=*, pe you may coMb'=mto,ufeessw.Toyour account having to pay the me canal your accaun, you mtnat notify u by calling our (aetemr Ralatlore DepedmnI and psy your 'New BNarae' it, 1dl Israihtarg the marWenHp be) prior to em acrd o1 the WrtY-day period. 9. N Y. Obss You Asaseslr. You cat request to doss yyeoww eccoue by calling m (.lmamar Beater' Oepenmm. You must dastroy `blur shard cerdlsl end sccoan afxxas decks, cnheai ail preaWeri:ed biN'ag, end cease hsbe your acoous. If you da not cancel receipt pt of of e a charge barge your outemeherirstlat we veal consider receipt yoour n to reopen n access. Addt-ly, be dosed Pay ll am ooms you owe your sccaan vnfl rat be hod you a' N non st tnraactlor you hew aomorlmd, erhsrhce chergw, ypen due fees, they overiimh tees, rotumd p.ymm less, walk advance fees and achy Deer tees assered to yaw ri t. You are reapar?Me br these mama whetter they appur an your secess M the time you request to doss the accent or they am incurred shespumu to your request t dire the account a? f ar m-y result in charges ao cea he- your accent if it has already been closed. For =" - 'f you autYadzed a purWss tmm a mnchant receive Me tramsctlan km Me reeroham after your aeceap Ms been domed, Your ecoous wA ba reapaed, tlhe amour of the chs veal ba added re your eecoom, and yyoouu will be r br payment. If them Is e 10 be rWp fee for Your seeoas, the fee wa comb' to be dented, ta the extern per9ld by law, w l the accehaht ba alts bas been Paid k full a deNnd above. 7. liable Your Mseua.YOw card or account umm be used In connection whh any Interest gambling 'nom mod" 8. Nauss Ab" tlaabe 1 Clmok Oarrvasin. When you provide • check ss Paymm, You u seer to to mite authorizes one-time use kbnMlon tmm your n you you electronic fund tramper imm r bank accahnt or to precess Mepa ymm as a check tioneaction. When wa use info Ion from your check to mks an eloctraric fund transfer, finds msY be vvidhdnYn from your bank accent as son as then same day wa receive your paprbom, arW =r receive your check back train your amncial n. BILLING RIGHTS SUMMARY (in Cue Of Enron or Ouestlom About Your Bal If you thbhk you lea b verse, or If you need Hare infematen n¦ Inrwctlon a MN, vents to u re a sapame Neat as eon r pessele n the address for irgddr Hawn n tie born of tills Mnernent. We meet hear iron you m titer than OD days shot m sent you the am bill on winch the error or p appeared, you ten can ou Qatmer Ralston rsanubsr, bee doing so vA rat ppreserve you rights. k your bon, give o the fdbwbg kfemuten: your mm and securest /eanbel, the dolor amour of the shapected ertst, a deecriptbn M tie nror and n stqusthstion, I, o?y you bellow there le en arm myo: auI1are ubsx you a about monk tlon a Ian of the da. You do nit Into psY nY ream In wails we an k=d np It, but you are still oM led to pay the parts 618 that are not in Wooten. a we to year quesen, wa cannot ,We., yea as daikquem fir mks any action to collect the eoaom you q:: t,t Spacial Rule For Credit Card purchases If you haw a problem Mh the gueflty of progeny or serylces tlat ysu punsard with a credit surd and you have trod M good feith to conic the problem with the mrchant, you =p hew the right not l. pay the hamburg smart due n r or ssr n You hew ties Protectlan oily wfmn 11 puchass Arks was more than p50.00 aM aim pundrass wee nnda In your dame Mate or ..Mn 100 milt M you nhNlkhg addrer. III we owns or apnne tae meroham, of If moo muted you the adwnlsemen for the property or services, all Purchases are covered regards' f anent or location of purchase.) Please remeare to Ngn all correspondence. t Does an apply to coasrarrn --,r.lt card accounts t Does net apply to basifess aoa credit card ---is Capital Om raWris inormadn privacy protection: see our wobNto at www. com. C 1 Cm ni ¦ federally registered service mark of Capital Ora Rrhenhcbl .1ponitbn. All rights reserved, a 2003 Capital One OILGLBAK t . Fesrv Ts AwsY A FYhsnse ptrga. ta. Qass Paled. You wa have • mlNmm grace perod o1 25 days wNhan tkhsrru tla n new purcases, new babnae tmefen, new apedN pnchesea and new other dargss If you V you total 'New Balance', M and In In flem tkne for it the to be emitted Naik by statement and for Is mr by your r ca n dosing dale.traThere m once period n cub advances end apecN robn. b ado has there b no grace petled m aaY trsraectlan if you do rhot pay the total 'New habrae.' b. Aseubrg Nrns Qrp. Treractiom Witch are not waJscl fe • grace petted m grassed flnarae dnryp 11 darn the tins o1 the tramection or 21 imm the date the trnesedan Is procered to yon Aceem or 3) from the am Calel car day of the CU We bit ppeetied. Addidomfly, viau RWIlyhoqu rid nc in the 'New Relents' fmm the pre n act to yyoouur ur?psi d beW u the?rges tontkam TNi meant Uhat upMd balance Is pak In frA. you my ere owe emote td, awn it you pay the min New Balarhes Intoned :,=. 1 ur stnamom by the mat atatmera min date, but dd not da ss br the pmvloe ntsthth. UryNtl hh'rwe ,.We an added to the aslFnen o1 you Acceun. tc. eitlunr Fermswgsn?For each burg period the of a urge, a rninkrame 1 0. the your a FNMNCEsG1AMlEt i0 total Inane tinge ham the eopM of your petfadc metal 1s bsa than .5o, wa w- W x?Mract that mom from the $0.50 mktlmun and the difference wlil be t d. labNbd to Ute puchsse sspran ofvCyugaon. secantWe rasa . id to not masse n any y or r rw the tight ap snro d mssra all anberhce durgr far any given 2. Avanrgs Daay aalsrrss LYtNrid Mm Mahsassl. a. balance =Is= ce W of 6 year ? account (e.g., ceilah advance, pureJrss, special tremor, end special purtuuse) pynvfarNy drsapan 1daYY Pokdt carols) that tats been yar. At the end M rdh day dudrhp the kikkht rdod, we apply the de8y pedodc ram Tor each segrrters o your accohart to the duty to Z m add up the iteTof O .d Iy e hade a to arrive et m?Wn from each sepnam for to?aid" segment. We at the toil pemwdca anrae charge br your arxaom. Tc get the daffyy babece fen sari rpnnt of your sccoun, we tab the osgaswg babrce to rdh sepnem sod add any new transactions end sty do athe,te charge calculated an de preMas day's so cut segtnm. We can subtract any pa that • a credtl posed u of that day that are egocetad rpram. Thb plyaa u the .pants daily balance 'a each Baler iln? l m aeco"=- r, )f you oaidoda your pre fWl l it your rave balance was zem at a credit amaoml, new trareacdam wHch to ypx pusher or spatial pumhese Pus rat added ta the da1y babnc es. We caktiete rho a ms the ewrsge dalyy balance by adding all the daily Inn" topelher and dvldng Ilhe sum by the number of the days In the corm Meng cYde. To cekcate your trial an.rae charge, multiply your average elegy bN.Mb y the daNY pedads ram std y the neruer M da W k WNbg eriod. Dees n raaMrg n a daffy baW, Mere may be a aNdbt wdance bMwan 1Ns eNduatln end the moon ai finance b. It the code Z ?herpswacNloaNayesn o seaassMe d. pp front of this snmom me to 'Balance Rate Applied To,' m multiply the I JOCL.I Importarrt Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wriday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. YtJ`" 034-0502 CW Nomw GOLD MASTERCARD ACCOUNT JUL 20 - AUG 19, 2002 ME 5307-5820-7703-5141 Page 1 of 1 Account Summery Payments, Credits and Adjustments Previous Balance $3,229.56 1 08 AUG PAYMENT RECEIVED - THANX YOU $96.00- Payments, Credits and Adjustments $96.00 Transactions . $201.50 Transactions Finance Charges $u 76 a New Balance $3,391.82 2 16 AUG CASH ADV. COMMON WEALT HARRISBURG PA $201.50 3 19 AUG CASH ADVANCE FEE - - FINANCE CHARGE 7.05 Minimum Amount Due $101.00 Capital One has joined with Progressive Auto Insurance so they can provide you a fast, free rate Payment Due Date September 19, 2002 quote with no obligation! Call 1-877-397-5374! You could save $400' by comparing rates. Mention code P700. *Possible savings based on rate variance of annualized comparison rates calculated Total Credit Line $3,500 Progressive on calls received from 6/1/01-12/31/01 (excluding variances greater than $1000). Rates (Non-Kmart/Cash Portion) $3,000 and actual savings will vary based on driving record, vehicle, address and other factors. Total Balance $3,391.82 Save 1096 off your family portraits at any Kmart Olan Mills studio when using your Kmart (Kmart Balance) $384.24 MasterCard. For the Olan Mills portrait studio nearest you, call 1-800-523-9943. (Non-Kmart Balance) $1,357.92 (Cash Balance) $1,649.66 Available for Knowt Purchases $108.18 (Portion available for $.00 Non-Kmart/Cash Transactions) At your service To cab Customer Rdations or to report a loot or nohn m&- 1-800-830-7524 Send p ymeau to: Send inquiries to: Attn: Remittance Processing Capital One Seri- Capital One Services P.O. B. 85184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 133845 Finance Charges Pleau,ee rerxrre ridefar impartant infww woos B.I rs2r P-dic Coneyasli.g POE .04.41. rde APP GE KMART PURCHASES $38828 .04945%D 18.0.9% 95.95 NON-KMART PURCHASES $137221 .04945%D 18.05% $21.04 CASH $1,481.89 .0494.9%D 18.05% $22.72 ANNUAL PERCENTAGE RATE applied this period 21.01% ? PLEASE RETURN PORTION BELOW WITH PAYMENT. One- 0000000 7 5307582077035141 19 3391820096000101005 New Balance $3,391.82 Minimum Amount Due $101.00 Payment Doe Date September 19, 2002 Total enclosed $ Pte-, pl-I dins ehangn kd- mi.d blue or black i.k. So- Ape# City Sore ZIP Home Phone Alternate Phone !• #9023242891197321# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 m 2522 ROLO CT Richmond, VA 23285-5184 m ! MECHANICSBURG PA 17055-5898 1u1111u1III etu1.1u11loll IIt?u?r?s?et?n?III II IIItII lold Please write your -. t number -your rherk or money order made payableto CapitalOne, F. S.B. and snail in the mlored enwib 5e. M sessions MONSOON Vessels! OPINIONS sssssl? 1fff?? 9 O m CV bedminq b.lance of each ngmem each day, add my new, trsroactirme to ea ch saint end subtract any ym m or treats. Ilt the code N appears m the flan of tNe e nsmem new fo 'BManee Rate Appled To; we anon subtract any uhpeld Mares charge indhuded M the Dstmca of nth se?hml 1 TNo dw. a tM d.sy bst.nca o1 tech segment. 7Terh, we addpahdpoadu the dos balaron for each r r of dap int MRkhp laded. M rives us the a. The temp 'Arran Perca a Rata* may appear as APR' on 1M trom o1 tics ststermm. b. It the code P IPdne), L f3-mo. IIBORI, C ICerdecate of Depoeitl, or S feedpard Prime) appnn m the from of stn W° s end ort - r : ro 1MAMpeNAL riodsPEmp)TA 1MOEpaMdoTac6 g teRCEI{ may wry quarterly uneriy and may In or at based on tM sated khaca., as land d In The W.N all Sur ides Jamner, plu the msrykh VVreNOUNy asdased to you. Those tlunpea wN b etbetive on she =.;g bit iod cowrod by your pedoae sin iM mass Jemer Juryy and October. c. If the code D (Nine), F 1 mo. IABOR) or O (3 LIBOR ='M onddyl appaan on Me ham of your statema the ppeedadc raNNl, the psdodk rain M ANM)AL PERCENTAGE PATES end cawo`mrrs.a rq veryNPy mey Incre°n a decrease based ma ony tM sped krdan, as land N TM WW abeat Jogperiove% plus the me .41 be efbcew rgin preNaMyem ondstianesedt to you. TMse cMrhgdss deY ot your dNk each month. 4. Assessment of Los, Ovens, mail Roared F.ymanl Fass. Your a.CO." vh N be anessed ne more 1Mn two of tM teas used Mro that occur during my being period. Under the tern of Yen eutamer agteranern, vre rnerw the ddtt to waive or not to assent aM' teas witlnut ydot naeM:atien to wsthout wstvkg cur rides to aseese the same a almgar ass st s letsr time. 5. Ysv Assstae. I1 a menbersNp loo appsen on the Iran of thi. mtemsm, you Mve 30 osp honk tM Mrs t1d. natansm was nestled to you to -rid p°Ykg tM fea or to Mw such /ee created to you if you caneei your acea.n. Owing this period, ycu OF continue to use your acaant withari Mvhg b pay tM membership be. To Gnpei vaur ecmun. vau rout 6. N You toss Yen Assonae. You can roquosl o chow yywcur accohsn by caNhrp au (austane R.. tfepanmem. Vcu moot destroy your cedt Grdl.I and ccoun ecoasa checb, cared aM proautlhorixstl biskg, and con yam account. It you os rot cancel prnuMrixed arrarrgenem, won wN rwrnlder reGipt o1 a r3ramge you aWorhation to reopen yam accent. AdaaomNY. your accann WIN not lea .= until you sty stn amouds you d rst ItrJpanp: any trlMactlan you Mw autleuned Mtarnca ring-, past due boa, owdimit lees, rewmrrhad payment bra, cash :rive-- fees and my other fen aneseed :9 ur ecaun. You am responsible for = .sod w.he, to tMY appear on you account at the Hon:==1. doe accdan o they, me, I dared diar request pn appesto does the account. This fft On VW 8C00M after wit how it you eWhori:ed ~°purcMee ham a merdvntMrand v.?re e? receive the transaction from tin merchant after you ecceramt has been dosed, your account will be reope nil, 1M amain of the arysrge_wN be added to your account, end you veal be nperhebie I. payment. It ft. Is . membership i your acccu a, the fee wN combwo to be cMroed, to the exam psmnined by law, until the account ba?hG M° been paW b hN as defined above. 7. psalm Ywr Aeom%ou card a account cannot be kh Gr.recYlan wide any Internet gambling trartmedo s. B. IIstW Aeheck k a. se p Fsyisme fm, rs OervorsYn. WMn you provide a d you aueori:e u ahMr to nue kdomtstlen Gran your crack to make a one time electrode fund iraMer from your bank aaesw or to process 1M pp.symem n a dock Folsom bn. When we use intomntion from ycur dock at roam an etch ric find trrrrnter, finds may be wNdrawn from your bank acaaso es soon ss the same day we receive your p your llrnncm eymern, and you veal not receive Your deck back from lmthudah. BILLING RIGHTS SUMMARY (In Can Of Errors Or Questions About You BIN) If you Think your bit la wrap, a it you need re inomatbn on a Irarnnctl0n or lea, wrhe to Wmoars separate aloe as soon as pseailia st the address for khgWd- shown on the front of ed@ statement. We must Mar from you ne lets Ilan BD dayys. after we sera you the 9M bill on which rime error a prebl.m appearod. You can GN our Customer Rdaect n radar" bon dshg se will not ppre.arwe Your pgMa. Nh ==' en bMowhnp Nomstion: par mane number, tM ddb, amount of the estimated Boor, a decdpeon of tM error and m "Iran , II of Wryy you brow drero is on error, a If ycu neon Inbrmatbn, a descrip lm of the hem ycu am marura abax. You os not Mw m pay any arrant b Ion wfio ors aro NveniwWO h, but you are stN C. m pay tla parts of yaw Ml that are net n gmststfon. won h a star question, we cannot =Y-4=.. aany atom to collect Its, t,t Special Rue For Credit Card Purchases It = = a problem with tM ni Y of prapany or se" I tlm.t You ,=tied vri a Orval es and You he tied in good faith to cared tlo problem with tine merWm, you may mw tM rides not to pay the rem ininq amont due on IM property or services. You haw this protectln oNy w/nar ere txurdrpe odes was more then 460.00 and t pardon stn mils or You home state or wiedn 1 W mess of you maNkg address. (I we own or operate the merdom, or a the messd ycu the advertiemen for the p say or esnice., .N purchases am covered regeraaes of amount or bcadon of purchen.) Plssse remembr to eign all conespendeve. t Does not apply to con,marm, doe-credit card accounts t Does not apply o business oar-cuedh card accouoa One supports inomntion privacy protection: en our WWw.G talone.com. at One N a rally redatered seMce mark of Capital v?e I Coryontian. All rides reserved. ° 000O On LSAK 1. lbw T. A. A FYraes frMwye ta. Game. Feriae. Vcu vriN he a minkfran grace period of 25 day. wllhe lkrn10e tlurge on new purdaan, row beisnce IramlCls, new apeebl purduee. and new other dagn If you pay you thrill 'New BaNrrce', In accordance WM the limorbm Notice to peymram below, and in tkne for It to be created by your next statement dostnp Mfe. TMro is ne grsca period on cash adwnces end spade trerrbn. In sdseon , there Is no grace period on arty tramaCilon If You re net pay the total 'New baNnca. ' It. As.rtbta Fktstos Orrra. Tnnectian wldch am not etbJect to a grace psriad aro ea.e.sed fine tM nca doge 1) than tin date of tM ir n 2) from dote the d IFF ewac-d N processed to yaw A Account or 31 from the ere ededar by o1 tin arum NNbhg period Adddaally, 1y1sygcure rid not p.,, the 'New aslenee' from tins pnMOw pariad ti ka, Maraca dnrgn =,:a atone tyour upahi bdehoe uiely tin up.id pao b fiii TN. meson lost you me atM owe Mumma omega., awn f You p.y 1M snare New Beianes Itnaeeted on the /rarrt of Your ststenenrt by en next stsemem desinq data, but did not do . bf the proN" IIgMh. UnP Murhee dam- me added to tM a ss(pnen Of your Account. t c. Mrir.mr tarrrr.aw.h6a??aOc?t . Fm each = period that toil ONCE Is . minimum CHAA(GEtof 40.50 will be In%omed. If the tour Arnarhca dotrge rewdtNq fiorrh 1M apdkelim of your periaac nteW N Ion 1Mn 40 50, we vin subtract that .moan from de ?0.60 rmdrbnnen .not tM albrerhG veil be burnt to tM pwcMw sgram of .scant. t d. Tsepwsty aW.Yan in FMws atp.. We Fight for any to not .s.en my or all lkanee cheryn for any given 61Nrnp ppssc??od. a DYE 2. aolsto. Ifrr.Ysihe flew Itrstosasl• e. Flrhurce cargo b astWated y mubiplykg the ossy bslence of e.eh .s?mm of your screens b.g., cash adwnee, purdah, transfer, and special p rchm") by 1M 7`"6 tlarg dally poloac =1.91f each =has been prevbtrslY sdased to you. At tM dotyy dudrirroq dot M 0 period1accoman vse applytotM dolly periodic rate br each .eOmm of your tM dillyy b.Nnce of eaM .e{ynen. Than n tM and of the bNRrq period, we add up iM of tlhees cagy Wadatiao to ardor st yax periods ds Mums dares br e.ch .epneM. We add up rim rewbe /ran each segment to ardw at the toil periods Mhaneo rdarge br you °ecaun. To get iM dsNyy bstmce === arxxe.n, we tab cue bedmkq osdoae??a d add ailed ba r thed pmNOw day'. ba of race for that ragnraa. We tlan wbtraaroa2ny peynant. or credo posed n of that day that .1m) to that eepnent. This dvn u fire separate dWy baNnee or aeon ssprorht ot your axasn. No l wr, If you G1d the New Salanoe .Morn on Your Prevkxst satmam in 1uN lot it your new balance won. xem or a credit amaxnl, new tramactlom vvldelh post to ==.7=1 purchse(pnent. aro not se. we =me the swrop dasy balance by arlarg ai tM dally balenees IogsMer end aviarg tie she by tM number of the daysin tine current hilrg cycle. To calsdste your tool Marhca =z%, y . inth by tM cagy petM marcher of 4e in billing the period. Due m raaldfnq m . dasy baeis, there my y be a a aidri veriauhce bswsm this cabdadon aM the amours of inerhG charge arxuMy ae.eased. b. I1 the code r m N argon ie 1TO from of tN. ststemem nerd to -B 'Bstarhca Nate Applied TO,' the mstiply tM 133F14S Important Node: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ---MANUFIICIURER'S MISTAIV?lbI1PON VALID 9/01/02 THRU 1010//31/02 ten_ e 4 pn• is on- ; Service I 'tWITH I I i COUPON 1 I • Saw'2 W" Coupon ? • 24 expoelrres • 35mm ? I %M ally at Or.+- Pmomft 1 CONSUMER: Unit as coupon pepammw. I j Waco pad my co npanRed pmduma. May I 1 not be copied, bandsood a used Mai &N ^ j 1 omen off you pat ant eppamd ." m. 1 Cap-mid Rmw.W POAAW by lad 1 ? No tenaraka of ahupmsaacepbO. GOOd oiy c ? 1 m Udall Smas eM POam Rico. C"' "A 1 1/20 cot 1 I 1 MAgm' Redemp m Core, IP.0.Bm890453,E1Rm.Tmm 58&0453. _. _... r i REGISTER OPERATOR: ?P 1 I Ring m red manuaammr onama aey 1 1 REDEEMMUN K101M LOCATIONS 1 .i/QnPe Account Su rnmim Previous Balance $3,391.82 Payments, Credits and Adjustments - $115.00 Transactions t $130.50 Finance Charges 15709 Now Balance + $3,464.41 Minimum Amount Due $103.00 Payment Due Date October 19, 2002 Total Credit Line $3,500 (Non-Kmart/Cash Portion) $3,000 Total Balance $3,464.41 (Kmart Balance) $377.75 (Non-Kmart Balance) $1,364.09 (Cash Balance) $1,722.57 Available for Kmart Purchases $3559 (Portion available for $.00 Non-Kmart/Cash Transactions) At your service To cab Customer RehitioN or to report a lost or stolen card: 1-800-830-7524 Send psyment, to: Send mgauia to: Attn: Remittance Processing Capital One Service Capital One Savior P.O. B. 85184 P.O. Box 85015 Richmond, VA 21285-5184 Richmond, VA 23285-5015 r--- MANUF-"------------------•_-? I ACCRIR@t'S INSTANT COUPON 1 VAUD 9/01/02 THRU 10/31/02 4" double prints Nsxt-D8y Service N TH COUPON I • Saw •2 with Couppoonn i • 24 exposlaea, 351nm ? I • NextWy teervlce 1 1 laltl ally.35mm /'Rnmrta PatleA Pink. ' j Fhem9yee .4-Sl Ora bR d/W I Pat I ProCeI1. CONSUMER: LkM ore COW i m I I padwe. Caaan pad oM/co apeaped I 1 Rmdgs. Mayna1 6a cope ,bmaevda • 1 I OW aM anyounra aabu pa/ a vipplkaaa I laenta Capco'W rmarardcrpamm ?pl I byaNNoleaamatldconsonaxpad. N GooO my a Udall Saas and Rare Porn. j Caeh tow 1/20 oanL I P.GMAaAB41I: RedempIon Center. 1 I eeo453,n Pe;o,Teac 885860453. ry 1 REGISTER OPERATOR: JIM an red manubmw co uPmKNW REDEERMSLEATWRLOCA110N8 ---j' GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 AUG 20 - SEP 19, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 06 SEP PAYMENT RECEIVED - THANK YOU $115.00- Transactions 2 12 SEP CASH ADV. COMMON WEALT HARRISBURG PA $101.50 3 13 SEP OVERLIMIT FEE 29,00 4 19 SEP CASH ADVANCE FEE - - FINANCE CHARGE 5.00 Save 10% off your family portraits at any Kmart Olan Mills studio when using your Kmart MasterCard. For the Olan Mills portrait studio nearest you, call 1-800-523-9943. Capital One has joined with Progressive Auto Insurance so they can provide you a fast, free rate quote with no obligation! Call 1-877-397-5374! You could save 5400' by comparing rates. Mention code P700. *Possible savings based on rate variance of annualized comparison rates calculated by Progressive on calls received from 6/1101-12/31101 (excluding variances greater than $1000). Rates and actual savings will vary based on driving record, vehicle, address and other factors. Finance Charges Pleme ee reverie ride * important informatim, Bd rate P-d. C lanlnd ? ,Palm race APR L' KMART PURCHASES $38151 .04945%D 18.05% 95.85 NON-KMART PURCHASES $1,354.84 .04945%D 18.05% $20.77 CASH $1,661.43 .04945%D 18.05% $25.47 ANNUAL PERCENTAGE RATE applied this period 20.16% 13331S T PLEASE RETURN PORTION BELOW WITH PAYMENT. T 0~Q• 0000000 7 5307582077035141 19 3464410115000103002 New Balance $3.464.41 Pkau pint addrea edmaer beloou soma b1w or blaek ink Minimum Amount Due $103.00 Payment Due Date October 19, 2002 spa Apt. # Total enclosed $ Ciy Stew ZIP Home Phone Alamap Ph- #9026342891197326# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 i 2522 ROLO CT Richmond, VA 23285-5184 m ! MECHANICSBURG PA 17055-5898 I11'1'11I'lll'l llulnll'n'llnu'I 'uIn'n'Iu IIII nI"ulI ° IIIII?IIIII"IIIII/I11 is I11'II1'11III1'IIIIIIIIIIIIIIIII'11I1' 034 r--- Wgrgraf6aW VAUD 9/01/02 THRU 10/31/02 enlarigerTTerrta/reprints in minutes I ? 1 1 1 COUPON I 1 • Salty s2 with coupon 1 •8'x10• Sheet 1 Veld anycolatlak Plnae MNm poor lB'a10' 1 I ead1-nioB1: Iiitane aaupan pe 1 jp«CUn. C p ay npWted "1 I pmdats.Mynot not6ecop aaind kd,bamMetla I I oled Wltlhantaherdac'eupayeny I al lapplcoala wen macoupon adrrwdaea 1 1 IXpMblWbt aNNl**"Ass of s 1 Iermged.0aad Dilly. Uiad Sand e 1 Rana Rion CaN rNue 1/20 oat 1 1 MMLro: Redenpuon Cws,, I I Pn 8.880/53. EIPeea.Tems S850S-G453. I 1 I ry l REGISTER OPERAOR: I 1 Ring w and manuacam coupon my. ` I I REDEEMAMEAT KMARI' LOCATgNS ^ i 034-0802 Plewe write 5307-5820-7707-5141 m yow ehak or money order made payable to Capital One, F. S. B. and mail in the endured envelope i ---MANUFACIURER'SNVSTMR000PON , VALID 9/01/021HRU 10/31/02 I K ----------------------- i M 0 REDEEMMLEAT KMART LOMMS O N i N i ---MANUFAOIUR?RSMI§TIWT000P?N-°n 1 VALID 9/01/02 THRU 10/31/02 1 1 1 I 1 1 I I 1 1 1 1 1 1 1 1 1 1 I 1 1 K 1 1 1 1 1 1 t 1 i REDEEMABLEAT KMART LOCATIONS ___________________J r--- I MAPKffACiIIRER'S NISTANf COUPZIN--- I VALID 9/01/02 THRU 10/31/02 I I I I 1 I ---REDEEMABLE ATKKW LOCATIi ______________________J 1. Harris T. AvaM A Flames (1rge. ta. areas Palrri. You wM hove a mk*nm grace period of 26 drys WMrcn finrhu dvrpe m new purohsaes, new b other cilareas elarce if yougly your total 'New Balance-, in .-,d may: IT, otal 'n end I. time fa 11 to its Cieditad ?e for paymema bebw, dine. Thsro is no y your std statanem dorirq gran period 1 uah advances and any I !"ncdon M addition, there e rm grace period be "ctlmn If If you do not pay the total 'Now ba micralance.' h. ab Fitalsa p?srio„d•sro assessed Menu carpe 11 ham the date m the lranaction or 21 frernm the date the traraeafon', to your Account or 3) from the first cr andsr y of the aurora Nfing period. AddiNonNy, iofNyaaqu did not pay the 'Now Bsiarrce' irmm the proAsus TM urp?iW? inerw, until the uap?Nd bs la paid -In Jo. TM mean star you may atlN owe finance dle, even if you PIY the entire New Balance kdutad m therga from of your statement by the rod statement closing dale, but did not do so for the previous marsh. Unpaid are ad== nent of .r=! t c. MYw?am For each battle period that aL total FINANCE CHARGEtof $0 wiN1 =; It >b tons Mane ch. met Who appNcadon of your periodic rateb) N bse tan 60, sea wall subtle Mat amount tram the $0.60 malamute and the difference will be balled wm a accent. t d. TartIo llav puChaee ansePirave pn saga. to lla We roserva the dye to rat aasesew atlrn my or as M1avnce charges for any given ldarq paced. _ 2. Ava ga naa??aManiry?Y 11neL deNy Rnmoe balance of eedr sZern of you account le.g., L=1 advence, purdsae, spode tnnshr, and epedN purchase) by fib corresponding daily peodic rmels the hss hem provionly disclosed to you. At the end of each day durrYyqng oav bitlag psrbd, we apply the dYly periodic rate for each sapnent off your arxamt ro the d@N_y balance of each sepnmt. That at the and a dot sesrg paled, we add up the rasa!', of these daily caiolation me "=F edadk finnca doge for each aegmem. We tip = from eadr saement to amw m Me teal peiodic fine nc?a dagp 1st pox aeemuse. TOget tbhe dailyy ba? for =h aegnem of Yom ecoant, we n the agnnrg day's lan?ce balance for audit agmmt and add any raw tr-sadiona and my periodic Mauu dares -WeOZ :Z:: prean alance br cut sepnern. We )hen my paymana a credits posed es 11 Mese #: day that are Notated to bin aepnmt. Tars Yves u parne daily b'l- No each aepmarm of your -cant. However, if you pad the Haw Burnes shown m yam prevlor statenmt In ail for tf your raves balance sea :ere o a credit amount), rrow names as n wfidr pea ro your purdrlse o spade purdase esgneee an rat added to the dally wlances. we uap/ate the average and de rtce by adding =My b.= topethm divkfinp due sun by the the days in the cur nrn bNNrg =i;. To akdate your total .By I the dude mm n d bnnubof ice sI the by rl. Due to routdrg on. ale daily fails, Mere In may be eg .Ngln vadmim batvroen this ceW I'm aid the amount of balance of each sagas each day, add my new trasa rep to each worms", and subtract any pay -me or credits. Ilf the code fNl appears m the from of txs Mammals nett to 'Balance Rate AppNsd To,' we a m abtrad any upsd Menu dagp achded In Me bsance of each sequm 1 T1is giros w Me dsNy bet- Of each eepnam. Then, add up .11 the daily bl- for each for the Irl numbe r of den in Mme NNIM usdoddivMTNaa d e: waati,e avarays dally b mm of each segment. 3. AltrrW rat t RaNse IARII. a. Tfav term 'Arran Porceuepe Rate' may appear as 'APR' on the from of aide statement. b. N the cI& P (prime), L 13 mo. LIBOR), C (Certificate of Deposit), or N (Bamund Pb-) appesro m the ban of tHa stmaners std ro fibs Pembdc rash), the pad. rates end spprdrq ANNUAL PERCEMAOE RATES may vary quarterly and may increase or decrease based m the stated Indus, as fond in The Waal Sheer ?oranw, plus the mmyn y Is 1 10 you. Tbse chernpes WN be etpbctIMvm the fire day of your biNag pmlod covered by your pedock ,cotenant -ft In the mantle Jasary, Apnt, Julyy ad October. c. I1 the code D (Prkne), F 11-mo. UBOR) or O 13-mo. LIBOR Repriced Mommy) eppasn m the ham of your gatemen nd to the ppesriodic reap), the padoek Imes and cone q ANNUAL PERCENTAGE RATEB may vary maaHy andmry Increase or decrease based m the mated hdlca, es toad M The WAY svwt ?oanN, pkp the maryn preNady d,rJosed io you. These tlarges wall be effective m the 9rst day of your billing period rich morph. 4. Asessereri N Late, Overi and R*1sm a 1 Payment Fees. Your account WN be assessed n moa tlan two of the bee Ilated here that occur chap any bNNrg period. Under the tamp of your aatanr aprearavrrt, we reserve ill. dye to waive or not to asseaa arty has wilhod prior ravtifiutbn to batyou ellll0ltl wNVkg as riym to essese the o or abMiar at a Imo tams. 5.taaaaaie You Assstnl. It a menbenNp to appesn m the from of tlis statesmen, You Mve 30 days from the date tams satemem sea mNbd to you to avoid paying the tee or to Mve a tch bat credited ,,,',u if you canal your sccorae. Duxirnp pia pedad, you may rcrmkne to Ira your eaten[ "vd hWttlg to pay the memheraNp he. To ==== ou must fy ynybby ItAl ODepartment notim b rasp teal plor tam ondhae end of ('-Mds 6. It YYea Cass You Assents. You can I, ew to does by ca uepanmenl. you mupdsaroy?ywscR uaidle, and ccmnt a- checks, carnal ad pmaudclbed:IN, aid cease your accoae. n you da not cancel preauhodzed arrarypmama, we sea caaldm receipt of a charge your amnlmedzadm to reapan your eccorrn. Addtiormsfiy, your srxant sea not be closed unN you pay ell ernrnree you owe se Nndurdrg: any tranectlon you Mve auMorized, Msnce Burgs, prat doe bas, cash advefntsns,tees a ovadimhannd n, mrlots assessed mrrnad pay=d to T", tey oche arxent. You are reparsibie for these tidy ppaerr on your sccnsrt at rte time you request to don tam account or they rep incurred sulumerem to your request to due the account. Tbia may result in cargos apPamrg on Your account after voo have your account if it Me already been dosed. For example, i1 you .Iwhodzed a purcase ban • mmcMm and we reulve d tnrat ban to merelam aftm your account has been dead, your account sea be reopened, dire eyyamauuaan of theaapWwrraQepewal be added to your axaan, 0 Its eremberslp tae for your acaaaH dire lee wH camMUe to ==' o the extaa psmlead w, umN the a. 1as been pour in 1W .=I ned ebow. 7. )faire Yav Maase.Your um or account cannot be In corrrecion wfth arty Internet gambling transactions. S. laalse Mao Eit absrds 1Nnek Oamwsraien. When you pmv de a dark a fpymem, you aWavdm rp either to use Infomatbn flan yea deck to mob a arav-thee reectroric Irrd tranaler from your bank account or to preca m the payment as a drack transaction. When vve use In electronic find trarphr, fianda m yam be widdraxn from your bank accent as nom as the seems day vve receive your pa ?& I receive your check back from BILLING RIGHr8 SUMMARY 'In Case Of Flan Or Questions About Your BIIN If you Murk your bat is more, or If you raved more 'ntomnion m s tnamwotbn a hill, wnte to us on, a aepr al alreat as soon se poselbie at the addrese for mrrquiI. slavwn m the here of Mla sutmrern. We must hear from you n later than 00 day* area we amt you tiro first bill m Wlch the am o prmhlan apflared. You con cad our Customer Ralatkso amber, hu doNq se sea not ==1,291=11 r,Ure Me :=0.11= daNar of the smtpected arts, s desoeptbn a Me error and an ev or if you N poasibi of wed you bbve fibre is rror, a if you need more Inform s desedptlm of ore as you ere corona abaa. You do not have to pay any amont In ion vmdie sea ere Invaaligatlrq ii, but you are ,W aMipeted to tap ore pane o1 your b that ere rat M quea lm. lYN s we invangate your guetfm, we cannot report you as deMryavm or take any action to cdbc the surer" you quadm. t,t Special Rule For Credit Cam Purchases If you have a problem bath due gwMy of property or seMCea Mai you pwclased wiM s credit cord end you have tdad in god WM to coma tlav problem w1M the mordant, you may have Me dye ravt to pay the remaining amour dse m the pr=ray or services. You have Mis protection orgy Wave paehese pr{ce sea more Ian $60.00 and are puchse sea made M your fame state or vvift 100 mfies of your moans address. (If sea own or operate the navrdpnt, or If we mailed you the advertisement br Me property or services, as purchases ere covered a9eNea M Immune or locaom or purchase.) Pkase remember to sign all correspondence. t Due. )lei apply m can- mar stn aedb card .-I. I Does rat apply or b-Omms ram-credo card accounts Capqm'tal One supports Information privacy protection: see our NRMIte at www.ccaappiil1alOlav.C0mn1. Caphd One is s federafiy redstared seMce mark of Caphal One f I One Corporation. NI dyne reserved. a 2003 Capha On 01 LOLBAK b. 11 the code Z or N appears on tam from of INS statement to to 'Balance Role Applied To,' we r n tdply the 13331S Important Notlos: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Plsese allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. J f-1 034-0502 Cs OW MAW ff& Account Summary Previous Balance $3,464.41 Payments, Credits and Adjustments - $110.00 Transactions + $.00 Finance Charges + $51 60 NmBalance $3,406.01 Minimum Amount Due $102.00 Payment Due Date November 19, 2002 Total Credit Liu $3,500 (Non-Kmart/CashPortion) $3,000 Total Balance $3,406.01 (Kmart Balance) $383.39 (Non-Kmart Balance) $1,321.76 (Cash Balance) $1,700.86 Availablefar Kmsat Purchases $93.99 (Portion available for $.00 Non-Kmart/Cash Transactions) At your service To all Cwtomer Relations or to report a lost or stolen nrd: 1-800-830-7524 Send paymenu to: Send inquiries to: Attu Remittance Procwing Capita One Services Capital Oa Senior P.O. Box 8S184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 SEP 20 - OCT 19, 2002 Page 1 of 2 Payments, Credits and Adjustments 1 17 OCT PAYMENT RECEIVED - THANK YOU $110.00- Say Boo this month and make are your Halloween is absolutely Haunted! Stop by Kmart to stock up on candy, costumes and party supplies - as prices are so low they are scary! Fl anee Charges Plemesm rernrre ridefor imtortant information Bdmu1. CO^ 1 m rate I a l;1'E KMART PURCHASES 8380.47 .04945%D 18.05% 85.64 NON-KMART PURCHASES 81,367.65 .04945%D 18.05% 820.29 CASH $1,730.23 .04945%D 18.05% 825.67 ANNUAL PERCENTAGE RATE applied this period 142065 PLEASE RETURN PORTION BELOW WITH PAYMENT. ??iZea 0000000 7 5307582077035141 19 3406010110000102007 New Balance $3.406.01 Minimum Amount Due $102.00 Payment Due Date November 19, 2002 Total enclosed $? 18.05% as«r Apt A City Smte ZIP Home Phone Alncssn Phone #90293428911973234 MAIL ID NUMBER ? KAREN HARBOLD Capital One, F.S.B. ssssssss? 2522 ROTA CT P.O. Box 85184 c, MECHANICSBURG PA 17055-5898 Richmond, VA 23285-5184 ro ?n?r?uttm?tttn?n?rtutrtnn?t?u?u?u??ututu?t?srt? ° ? ?tn???ust?tnutttu?t?n?t?r?u?rtr?u?u?ut?r?utr?tn?r? Pleme write 5307-5820-7703-5141 on yore cbec4 or money order made payable to Capital One, F.S.B. and mail in the milmed enw1ote. PA-pint adieu cdesdes id- wind hl--41ar4 mk. r i ftfil? f? a? lei O N N 1. H- To A-ld A FYnsva .t a. Grates Feted. Ya will Mw • drilatm grace period of 25 iya wiMarl tkrrnu .he !9a n nave purdrau, new baWce troMsro, new .pads pur h we and new other .he,. It you p,Yy your tad 'New Balance', in eccerdarce with rifts anponam Naar m paymems bebw, and in data M h to be credited by yaw snot astenlsm doWp NoeiThem 1. no grace period n cash dances end q rerlem. M addition, there Is no T .period n any iraMaction if you do not pay the total 'New balance.' b. AFZ Faunw asM• Tranaactlms vhrich ero not fMe d?fe of Hrseirmarac lone oePldimm aerie = l transaction Is processed to your Account a 31 from the Ins cdadar day of the verse a hRYrrg prided. Additionally, I did not pay the 'New BNsrhce' from dire preMonm cod fun, flnhanhce rifts yax vnp?aW in bastes vaR the upiesId Ns ne. i op.a in fuN. TNs aunt cat ya msy am owe /narhca charges, awn it you pay the emire lbw BNaca Ind-tad on the irorrt of yen "r. rt' Ny tlk wrd ..amens doWp doe, but did not he the Prevlow rrknM. llnpard tahannu drapes ero added to theapp1ir? a septa. of Your Acroun. f' c. INrrlent FYtarrsa crests. for each Glahp period that You axooers is wa)M to a tnonhce dhape, ¦ mrirhum total /nance dvrps cram the cation of your periodic mW 11. Uwe dmn 50, we ta6tna that amount from am $0.50 mhinun and the '11111 a rA be billed m the pwdru as?neM ofyouur acc«nt. td. ;V- reas any In a an Fksvaba o s for any rithe ven 2. Avkya DM' tales.. IfNsrr Pralrssesl. a. Rrrnce dupe b ukWtad mcaiplyap the dally balance of uch seprrsre of your ancouri le.g., cash edwrce, pomdness, APedsl tnankbr, anted .pedal port by the wrrarparhdrp MNy pentode stela) -het free b pp????d?odo rate. To obtain the awrago ally balance bar the anaq nod covered by this smenhem, we take the begl balance of each esphtem each iY, add ray new ireMaClloM to each sepr?em, and stbinWY any pay -, or credits. Ili the code N appears n the ft. of this statement next to ' Belana Rae Appfed To; we Nw wbtract any upld lnwhce dhsrge bWrded in the balance of sent foyram.) This dives u thedally balnce of each aagrwn. The, we add yh aK the dWY balerms bar each ugnsrrs bar the NFap period and divide by the ta.l nc?nber of days b the bNgng period. his gives w the avers dally balernce o1 each segnao. 3. AreaW IPiaaraags Raw IAFRI• a. The morn a arl Pemeraege Ra APR' n the irons a IN ma w:' may appear as . b. It the code P (petro), L 13-mo. UBORI, C ICemtute of =X1 IBankcam Prbk) appears on the ham of ten to the periodic meal, the dod, race and cenroapordnp ANNUAL &ENTAO RATES may wry gwnedy and -V .oases or decrwse based on the aced bdces, as fond in the Want Street Jounsl, plu tlr mshgkt previovly dsdued to Thou chsrhgss wIN ba effective n tlv km daY foyour bilkq pe covered by Yen periodic smemmrs -%V in the malls Janosry, Apd, Jtiyy and October. c. If the code 0 (Plane). F (1 me. L119R) or O 13-hao. mate rrom nerd to the periodic map), ill peadic "- 1Z conra?«?rq ANNUAL PERCENTAGE MTES stay ry momHy andmay Irnnuae or decmau baud n the mead Mica, ea land in rho W.# Snort J-0, pi- th. ipin pmvi disclosed to you. Thew changes al each monetiect1w, on the th. Irst Y Your billing period 4. Aeseswrsa of lab, Owrlmt ezd Rsaetsd Peynea Foes. Yaw acceea yell be ..wend no more than taw of the bee flood hero -het scar dxap erry dMrp paid. Under dr demo of your an«ner agreanhem, we reesrve the drip to waive or not to sawn ray Isw witlcv, priors nodflcmion to whhow wmMn. w dgM to swan the acme or si niar 6. Voter a erne. Mooed. It. membership I- =-fm n the from of this statesman, you have 30 rom the dale this ..emend wes rasiled to you to avoid psyap ell so «b how such fee credited to ya it you ca ncel your acceun. f=M s period, may comask to ues your accocrnt h.*q to pay the memberaldp tu. To cancel your eccocrnt, you mum rrotity u by caNanp ar Cuelemer Rdatl«r Depsnmmn and pay Your 'New Balance' kand bib a =day the it Y. y . wp Prior to ar period 8. N pre t e) year pesetas. Ya canzregwa to cow accors. by twa our er adif nmam Ya hackt - cemroy you, your credit candle) and smocm accees tlkcka, cancel ,N proaWgrixeO MNap, and ceau yon acoaart. If you do riot urncm pruvhori:ed ananpanems, we vent sadder receipt o1 ¦ dharps yore auakrixadn to reopen you xoum. Addltiarly, Yak accaen veal not lam douA kris ya pryyoelu Mw aWh imams ya owew ledWnp: anyast fees, o low, c p dw fees, , wrianit fro, returned trmmd psyfrmeatem lees, came advance foes and any odkr lees aswesed to your scooter. Ya are responsible bar these s icassm rhkther they appear n your exeet Of the rhos ya netFnest to due the accocm «they em incurred abaeQlsm to may reaH in your requeat to due ar sceocrs. This charger ePPmerrM n yak arxaud abet voce Mw Your ahem it it Me already been dead. For axemple, if you Mhorixed a purchase fr«n a -.*am and we recalw the tramsectim from tie ;=after your .centers bas been deesd, your aceours raY be mopmred, the aymorrd of the dwMe wW be added to y«rr accoun, and a ran you'alrip be let to psymerrs. It them is a your saaten-, are bas urn-bce to be char , to the ennt pomYtted DY lwN aw, 1rNl she account has been Wid in lull p dented abaw. 7. rev Asaera.Y t card a secant cannot be le cans ac hat with any Internet gambling vsosaetbos. 8. ldstisa Mae flaoYSnW dtaN Oarwaabn. When you provide • check euasdxe 1 10: to cue rnbmrtlen ,=8=06T, a arse-.am electronic hard transfer from yak bank secant m to pruees she payment as a cheek transaction. When we use kbmat iron your deck to make an electronic keel V,essabr, krrds may ba whfickawn beer your bank account ant a the awk day we receive your =pa nZ, n -w your check back from BILLING RIGHTS SUMMARY (in Case Of Eara a Ouenlas Aban Your Bill It you tfmd yore hN b wrap, « If yrou need more information n e tralWctln or bard, wore ro is n a apame ahem as son a possible at the add a for ngdrise alrown n the from of Ws amement. We mast Mar form you no later hen 00 dsp after we sad you the fm bit on %"c h the a- ri proDlam appeared. You can call ore Cuts-, Relations naerhber, but dorp es wk not proesrw you ddrsa. k Your fetus, dive w the bsowbp mfomrtln: your rywne arrd ecceorrt mmbar, tlr ddlar amass of the swpec-s l error, a descrip0en a dr mror and n mghln,tlan, B pesalNs, of Ww you belbw tlvrc is n anon, m If ya need Moro lebma a desedp. of Me hem you arcuhwse, ee . ban.ere5,5 YInve a do not Mw ro pay erry amours b bo it, lea you are ads obi ad u pay ale pans of your bbiMt(art are not in pkstlon. we Imroalwb yak question, we -mot report or to any actin to collect, the .nn t, f Special We For Credit Card Purchases It ya Mw a PraDlem wfth the quR-Y of propanY or aerWua tlut you pmdneesd rdth a credit card end you Mw tried In good bMh to correct the pmblan with the merdrm, you may hew the rf(trt not to pay the -InIn g amain due on 0. pror ssMcea. YT Mw two pmectbn ors when thq mndw f -ban 60.00 erd the purchase wq ,=== meta or wHNn 100 roses of yon me" adMeu. (1t we urn or apeme are merdurn, or it we mead you ftr advertlseskm bar the pnopeny a esrvius, alp purcMess are covered regardees a amours or locatin o1 purobauJ Plues remember to alga all cerresp«rdahce. t Does nor apply to zmsronar torn-cmdit card sccmnts t Dow tat epyly to business non -crest cord accounts One augkns bb = privacy protraction: sea ar at W W W. tabro.COrrh. 0-1.0 may rednered service mark of Capital One 1 Corporation. All rights reserved. a 2003 AK dr twkp psriotl, we apply ill dssy periodic rate bar each aePrrem o your seceua to the balence of .1 segttam. Then at the end of the rag period, we add up elk rewas a thew daly clWatloes to mriw at your snanast rwearMa f? ?Mpe bar eachh septem. We add up the asOrnem to amw et the trial p ., /esrce drape bar your auam. To get the dal balance balance to/ of yam s«:«eM, wb tike the osp, arrd n?? roadie g gffn rat ? raw trams«iar do ', balance for that ca he , the preWou Y sepnwri. We then wDtuct ray fort ems « crodu poaetl w of that day onto are .loured to that wgnwnt. ThN picas w the separate daily balance bar each sepnku of yom scoouu. However, if you osy Me New Balance shove on your prsvlak amelmm in ka bar if You new balance wes zero « e eredl amocml, raw tramactaer rbdh poa ro your purohaw a gecial -Lmk we th.. a are riot ,did a the daily balances. We uulele the her go da1W,1l the by eddap =I y rd=" er ant dw the am by the 11M cteram bMNV cycle. To caladae your total Amnce charge, modtlply Your awnpa isy balance by the deNY periods tau and by the rrsnber of days In as hllav paces. Doe to rwdrp n s isy bash, dare may be a light vanianhce belwsen fhb calariatln end the amours of banes drape actokly a:-.7Z If the code la or N appufrom of 1Ns statement next to 'Balance Rate Applied! To,' we mdtidv the 142ObS Important Nofioe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 4 KAREN HARBOLD, you may be minutes away from e Current auto policy for comparison saving as much as $400*per year on your auto insurance. Call toll free 1-877-397-5374 AWRE.91YE® or visit capitalone.com/savenow AUTO INSURANCE to request your no-obligation quote. Pleaa Indicate key code P602 Page 2 of 2 Key Features KAREN HARBOLD, Compare rates and you may In association with Capital One* Progressive offers you save up to $400 each year. a free, instant auto insurance quote that could save you Get great service rmm hundreds of dollars on your auto insurance every year. Progressive and save money. Plus, you can save an additional 10% when your annual premium is paid in full. Service on the spot Claims representatives are available 14 hours/ 7 days a week Progressive has Immediate Responses' Vehicles that come to you. This convenient service brings our claims representatives to you to get your claim started sooner and You an save up to an additional 10% settled faster. Our expert insurance counselors and claims when annual premium is paid in full. representatives provide you with personal service 24 hours Save even more money - and eliminate the hassle of monthly payments. a day, seven days a week. As the nation's 4th largest auto insurer, Progressive serves Progressive Is rated A+ (Superior) more than 8 million drivers. We are rated A+ (Superior) by the by the A. M. Best Company. A.M. Best Company, a leading insurance industry analyst that This independentmtingrepresents the financial sftength and operotlng rates the financial strength and operating performance of performance ofProgressnre. peror insurance companies. This rating represents the current and independent opinion of a company's financial strength and I ability to meet obligations to policyholders. ` Find out how much you could save - call 24 hours a day, 7 days a week for your free quote! 1-877-397-5374. AUTO INSURANCE 14205S Find out how you could save HUNDREDS OF DOLLARS by calling Progressive for an INSTANT QUOTE. For even faster service, please have the following available: Call Progressive today at 1-877-397-5374! or visit capitalone.com/savenow Please indicate Key Code P802. e Vehicle Identification Number (VIN) 200828 200828 e Driver's license number As a handy reminder, detach this coupon and keep it in a secure location for future reference. AUTAq in association with~V/IQ' Insurance products are provided and underwritten by, and are the exclusive obligation of, Progressive American Ins. Co., Progressive AuloPro Ins. Co., Progressive Casualty Ins. Co., Progressive Classic Ins. Co., Progressive County Mutual Ins. Co., Progressive Halcyon Ins. Co., Progressive Hawaii Ins. Corp., Progressive Marathon Ins. Co., Progressive Max Ins. Co., Progressive Michigan Ins. Co., Progressive Mountain Ins. Co., Progressive Mountain Laurel Ins. Co., Progressive Northeastem Ins. Co., Progressive Northern Ins. Co., Progressive Northwestern Ins. Co., Progressive Pakwerde Ins. Co., t? Progressive Preferred Ins. Co., Progressive Security Ins. Co., Progressive Specialty Ins. Co., Progressive Specialty Risk Ins. Co., Progressive West Ins. Co. Headquartered in Mayfield Village, OH. Not available in all states or situations. Insurance Products are not Capital One products and are not offered by Capital One or by arty of its affiliates, except where applicable by Capital One Insurance Agency. Specific features and options may vary and may not be available in all states. Applicants are individually underwritten and some individuals may not qualify. Your decision to purchase insurance and your choice of an insurer or agent will have no effect on your eligibility for any Capital One product or service. INSURANCE PRODUCTS ARE NOT DEPOSITS, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY AND NOT GUARANTEED BY CAPITAL ONE. -Possible savings based on rate variance of annualized comparison rates calculated by Progressive on calls received from 1/1/02 - 6/30/02. Rates and ! actual savings will vary based on driving record, vehicle, address and other factors. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. ® 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. ! !!! ataarr• ! ! aJ!! 142065 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. r 034-0502 COI?P.. Account Sum ntarv Previous Balance $3,406.01 Payments, Credits and Adjustments - $102.00 Transactions t $154.07 Finance Charges a $52.53 New Balance $3,510.61 GOLD MASTERCARD ACCOUNT OCT 20 - NOV 19, 2002 5307-5820-7703-5141 Pagel of l Payments, Credits and Adjustments 1 14 NOV PAYMENT RECEIVED - THANK YOU $102.00- Transactions 2 16 NOV THATS TANNING MECHANISBURG PA $20.00 3 17 NOV KMART # 4275 MECHANICSBURG PA 134.07 Minimum Amount Due $105.00 The holiday season has arrived! Beat the crowds by getting your holiday shopping done early. Payment Due Date December 19, 2002 Take advantage of our great low prices and great brands such asJoe Bo=er," Martha Stewart Everyday," Sesame Street" and Disney.' And don't forget about the Kmart Gift Card - it's the Total Credit Litre $3,500 perfect gift! They can be purchased at any Kmart store or online at www.km2rt.com. (Non-Kmart/Cash Portion) $3,000 Capital One has joined with Progressive Auto Insurance so they can provide you a fast, free rate Total Balance $3,510.61 quote with no obligation! Call 1-877-397-5374! You could save $400' by comparing rates. Mention (Kmart Balance) $507.34 code P700. *Possible savings based on rate variance of annualized comparison rates calculated by (Non-Kmat Balance) $1,324.58 Progressive on calls received from 6/1/01-12/31/01 (excluding variances greater than $1000). Rates (Cash Balance) $1,678.69 and actual savings will vary based on driving record, vehicle, address and other factors. Available for Kman Pordimes $.00 Who should be the college football National Mascot of the Year? You help decide! Visit (Portion available for $.00 www.capitalonebowl.com today to cast your vote for one of the 12 finalists. Then be sure to tune in to ABC to Non-Kmazt/Cash Transactions) watch the Capital One Bowl on January 1, 2003, to see who won! At your service To call Customer Relations or to report a lost or stolen aid: 1-800-830-7524 Send payments to: Send inquiries to: Attn: Remittance Processing Capital Once Serrim Capital One Sarrim P.O. Box 85184 P.O. B. 85015 Richmond, VA 23285-5184 Richmond, VA 23265-5015 Finance Charges Pleaseree rew5e ridefor important information Balance rate at Pe i dasg Care M ,y?lidM o , e rue R KMART PURCHASES 8396.09 .04945%D 18.05% 16.07 NON-KMART PURCHASES 81,326.92 .04949%D 18.05% 120.34 CASH 81,704.17 .04945%D 18.05% 826.12 ANNUAL PERCENTAGE RATE applied this period 19.05% PLEASE RETURN POR'T'ION BELOW WITH PAYMENT. Citt?lpnea 0000000 7 5307582077035141 19 3510610102000105004 New Balance $3.510.61 Minimum Amount Due $105.00 Payment Due Daze December 19, 2002 Total enclosed $ meet Ape 0 City Same ZIP Home Phone Al.- Phone #9032442891197326# MAIL ID NUMBER ! KAREN HARBOLD Capital One, F.S.B. 2522 ROLO CT P.O. Box 85184 m ! MECHANICSBURG PA 17055-5898 Richmond, VA 23285-5184 d°, ! Pleate unite 5307-5820-7707-5141 on your check or money order made payable to Capital One, F. SB, and mail in the endwed envelope. P4meprast a"v. d msgr kedom windblve-.41. E ink r f>? M M a>_ it? flip 9 o t7 N osemn' catace of each fegmrM each ay, add any new yrrrems or mredL. aaton to ea ?eppaen du em, and subtract anyo f pas or coa ch tir ta atatenrrN neIR rd the to 'BMarce Rata AppNed To;ll we also subtract any unpaid Mrmnce dstge Included In the balance of each 90 IT This III us ho dV bsiarce of eaM W.90 Tlueru, we add rq aY the dilyy braruGa for each segment for the btNrr' period and d:m by the trial mmWr of aye b the bYYrq 'red. Thb glum us dro brand of each seprrerrt. 3. A.=%= es Mtss IAMf1. a. The term 'Achuel Percentage Rate' may appear as APR' rm the two of IN aatanem. b. If the code P (Primal, L.13Primamo.)spear UBORI,sCrmICtheemfferketneofo1 ?DOrt1, orS 1,=L thh ststerrrrn nsd b der pedodc raw4), the pedock rata and corrasoarrdm ANNUAL PERCENfAOE MTFS may vary gwrtedy and may intone or decree. based an "n-M. he stated kndca, a load I. The Wit Szrost Jaffna{ pkr the margin Warty dadaeed to ysu. These troupes 111 be effecdve on the YM ay of your Nit period livered by year pedodc sutemem e11dYg in the mantis Jararry, Id, Jt ad October. C. If der code D (Prime), F (i mo. LIBOR) a O (3 mo. LIBOR Repriced Made" sppsa =)W,=d=.. statement rrld to tts pedodo rand co eapadkkl ANNUAL PERCENTAGE RATES may vary momhiy and may increase or acreaa Weed on the stated frrdfa, a toad in TM Wavy Sboat Jwne/, plus the ma== t - to you. TWss dwgea wN W em ay of yea i period each math. 4. Asssasssnt all Late. ONdbrA end Ihftres d Paywarl Fees. Yam amt wN W assessed ns more Own taco of the bea IMed Wre that occur ay btlXrp =Under dal term of your customer apanem, tea roserve der riant to walw or not to assess vMAou prr nedfcatlon to ==. Mane. walvin' L-4:-- aaass the ache or abdsr 5.tReraay Yaw Award. If a membership ba appeara On the front of this ststeman, Vou haw 30 aye trap dal data as aatemrrt was malbd to yw to avow psyb'the be or to Mw inch fee cledted to you 'f cance=4n=V0 as c msu to hhoet W p to prey the monrWnhip fee. To cancel yaw adult Your must notify us by GMYIg Ow Custaaa Re4tiam Depsrtmrm and pay your 'New or be) pdor to the end of Ba4rrf• b fit fefrckrdnp dal enreumip tW any-day pedal. 6. N Yw Class Yaw Asowr. Yoe can rerffeW to done yyaWnr arxaxm by r?lYrng orlr Creremer Rrstbrr GBpar mom. Year moat Balmy year .reds Gd41 end accora access daub, Grad ail preaudrrized btMbr', end cesse ulrq your smarm. I1 you de rot urnoel preauthoA: WNrnp ermrgpmana, we will .adder reeeMrt of a "urge you autlrrizatbn re aceaen. Addtlodly, your accent vent not De .teed us bckdrp: any unY you pay all ==x (rorraCtioro you frurnce drryea, pest due fuss, owdimit toes, retunrA paymrm tra, fah advance tea and any otlrr feea sssssasd to your for they rt. You are your scot rat at Ito dose a wrrta wfrthar they appear on your th?r at am you rerg?W to loss der ucaurnt a they are kiaxretl srbsequrant to your repast to dose the arcane. This may resrdt in loupes appemine m you ecmurnt after you how +f Yw aiphodted I,.. Nreby Daen .bead. for anample,- pueds tom a mercMnt and we recalw the trrrsctlu from n ale rrrer.lulrl char yell attach he* been dosed, your arxrim wN W reopened, the ymyouount of the dgryp w+S be added to your amount, anrenrbanitip fee 7;r: for pymem. R Meroc4 einue to W thereat, to the extwd mYltad by 4w, anti the emam bsleroe has burr ppeb kN n alkued ebow. 7. tMra Year Asswr.Your card or aceoom Gmot be used in connection wIM any internal granting transactions. e. 1lsstee Aaad EMelraefe prey Oarwnlralsr. When you provide a duck as psyche:, you auRrdze us altlrr to ua inlomatlan from you trek to mob a der-tine efect;r hand transfer from you bark account or to (lro.ea tM WpopMrt as a duck transaction. When we ones kaormtIon from Vote check to nuke an alect-c kind transfer, lads may be whisk.- from your bank ucount es sons as dal same ay we recrw your paaoyr financial =vWH rent rece1w your duck back from y Of[- BILLING R1014TS SUMMARY On Cos Of Errom Or Question About Your BSI) If ysu think Vow hN 4 wren', w if yu need more bbrmtIon m• trarwotlon a bill, wdee to w ch a Enna shoul a sons as pasrhle at the address for Enna iquides alr- on the from of as Waterman. We mot A yea ro later then eD days alter wre sane you the m bill an varich dal error a problem sppad. Ym can GM our cwt- Ralatias reard-, but dolnp u will net p ?? "'Ina. i+ Vat Mgr, glue a Me bgowirg a your norm ad ucasu merMsr, Ms dollar antasp of the suspected error, a tkrudpllan of tha the curer and an elplar/fen, if poaele, at tell you frpaw acre is from a If you need mss You dm a desodpti 1 of the Itrem you ere usurer above. You a not Mw to pay my smarm b?tlch rddb tea aro kmeafpstlrr hh but you are ail tad to pay der perm of yur bNf art era net in prstlon. we bwrbste your question, we canter report yu? rfd?el?rrrt or tale an y scrim to .diets the t,t Special Rule For Credit Card Purchases It You Ww a prob==N= propehMCes tlut you rd and you here tried In good tahh to :meet Me prob M will the merdrm, ym may Mw tb deb not to pay Me remaimn' amours due on dal p y or eeMcee. Yu W w ate protection ad when the FraeMsa pane sup moro than 060.00 and the pumhass was rata b your home state or wren 100 mfea of your mafYnp address (11 we own or operate 00 merdrm, or It we rnoYed you the adwrtlsenrm for ft ny a arW=, ail pure sea ere cewred FICKSea of araan or location of purchase.) Please remember fo sign all correspondence. t Ober mar apply b coneurrr nos-credit card ..moats I Ones wt apply so business non .molt card acfrmL =0- One aworts lrlkm otlen privacy prclecdon: use our Captal tine h a federally redefered arWf mark of Capital One finenc4l Corporalon. Al rights roaerved. a 2013 Capital One OI LOLRAK Ta. aaee Fueled. You Wit love a midmun grace pedal of 26 aye wfMou erorrf dupe ch new purduaa, new balance trar new apedel ours end new "her r you u psI IF aINew ? brave', in and In de re foforr it to be c?tad by your -XI scat merw w• doWr' ate. TWre b ns W+ca period m Gait adwnfa and apeeiN tramfen. I addMan, ttrre Is ne'race er riot =n-action if you de not pay the total ch any t 'New IF. Assrtite FfeWe purse. 7nmsctiar tea Nch are not sublec[ to • prof period are saaeaed "urge t) iron rite date of - d the trarssctbn or 21 iron due ate the 11:"ction Is processed to your Accart or 3) foam the cell calarar aY of Me eurrom bilk pedot. Adddarlly, if yyopu ofd not pay the 'New Sa4nce' inch the, preWas ba6q period ti led, ikunee dur'a carairere to actor to YOU, urprd balance -M dal unpsid Mlarf 4 paid': full. i m each 1Mt you mayy rN owe Arrnf drrype, even if You pay the adro New Balance uttered ch the from o1 year aaLrrm by gal rod stat.rrram doebp data, fad did not d so for the IF mrrmin. Urpald & . drryfee Tare added to tine aeprnerrt of your Arxoua. its c. hadrsais FYtaeeerurgbfeeccyt . Poo each b+Mkng period then toNr FlNANCE QiAtiOE of 10.50 vnY be Impoesed. If the tmal fwnf "rarawMkq ham the epegftlan of your Period.....) .T- dnan i0 60, we wkl subtract shot amount ham the 00.50 mlNmum and the difference will be t d. Tgh"Mam d to to dos purelrae iet aoFi- ofara?w sea son serve the tri no assen any or all tnenf duerss far any even 2. Av bNhq pOeYdyot. IYs;rdse Rr rme V=116= ted byf rmdtMp thel,daMy Wien s, of your account le.'., cash advance, pudsss, spu1N trawler, end epaunsl purolssel Dy the uxrrespadknp ally pabde ata41 dirt Ms been tWpre%= dstloaed to you. At the and of each ay dull' biller' peril, we apply to dally periodic rate for eaeb I van of Your ooeam to Me Mr-2 nce of each aprrm. Than at tW and of fhe riod, we add up the rawWs of tires defy cakdedow to ardw at Vote period. ansrnce dares M earJr aeynem. W e .rid rq the rewWs from each aeemmt to anew at rite Mel pedodc fnsnce .barge for your amounn. To pet tW aYyy W?4ru?ce br eadn asprrm of Vow -c Fir we Lis 0. eeptmkq = and add any MW trarrsscd- balance fpasatncs foaddr shot and a 'a rybai Ne flculaed an the preNan y saPnsn. We Men subtract ray eded payrrsrtb bala a credits pored aus of that ay tlut ore ale cnce to tMt se A: Th4 give tlr aepsraro dWy for ado ==or your scour: However, it ym f d the New Balam your proviso ststeman b td for if your new bel.- wee zero or a credt amarm), new Uamactkma w1Ydn post b ==z. =Pedal aa seprrms an not y ba4ncas. We caladate dew awrap tfW- by add V =d ty rrces togsthsr ad d.4r he sun by the r of der aye In der cu rom Willing cycle. To caladate Yen total fmnce drrge, md1?l yarn awra'a daily balance by the allod.y arlodo raw and by the nuMer of do" In the bi#:V peri Due to rpm6np ch a dWy Ws4, there may be a a++Y+nt wdarnee betwea IN catcnr 0md and sire amours of finance "r actually assessed. b. U the coda Z or N appan on the from of rile statement nee to 'Balance Raw "ad To; we mddply tne 14U`JLJ Important Nodoe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five 16) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the some day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. I ' 034 Your Kmart MasterCard" is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. IEW 034-0502 Cay/Q SMAW GOLD MASTERCARD ACCOUNT NOV 20 - DEC 19, 2002 IL 5307-5820-7703-5141 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $3,510.61 1 12 DEC PAYMENT RECEIVED - THANK YOU s105.00- Payments, Credits and Adjustments - $105.00 Transactions + $55.12 Transactions Finance Charges $5079 + Now Balance $3,511.48 2 14 DEC THAT'S TANNING HARRISBURG PA $55.12 Still need to finish up your holiday shopping? Head out to Kmart to take advantage of our everyday Minimum Amount Due $105.00 low prices and great name brands such as Joe Boxer," Martha Stewart Everyday," Sesame Payment Due Date January 18, 2003 Street," and Disney." Does someone on your list have you stumped? Give a Kmart Gift Card - it's the perfect gift! They can be purchased at any Kmart store or online at www.kmart.com. Taal Credit Line $3,500 (Non-KmartlCash Portion) $3,000 It's Capital One Bowl Week time again! Tune in to ESPN, ESPN2, and ABC starting December 17 for the best in post-season college football action, to see your favorite teams fight for bowl championships, and for Taal Balance $3,511.48 college football's ultimate prize: the BCS National Championship. And on New Year's Day, be sure to tune (Kmart Balance) $499.63 in to ABC to watch the Capital One Bowl live from Orlando, Florida! (Non-Kmart Balance) $1,359.27 (Cash Balance) $1,652.58 Availablefor Kmart Purchases $.00 (Portion available for $.00 Non-KmartICash Transactions) At your service To call Cwtomer Rdatiom or to report a lost or stolen card: 1-800-830-7524 Send p.],m u to: Send inquiria to: Attn: Remittance Processing Capital One Services Capital One Stsvica P.O. R. 85184 P.O. B. 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 Finance Charges Plemereerevernridejorimtmtant information Bates ..tr Perm -IM E gytirJ6 rte PR 1° KMART PURCHASES 8506.88 .0480896 D 1755% $7.31 NON-KMART PURCHASES $1,334.29 .048MD 17.S5% $1%25 c : CASH $1,677.01 .04808%D 1755% $24.19 ANNUAL PERCENTAGE RATE applied this period 17.55% PLEASE RETURN PORTION BELOW WITH PAYMENT. o. 0000000 7 5307582077035141 19 3511480105000105008 New Balance $3.511.48 Minimum Amount Due $105.00 Payment Due Date January 18, 2003 Total enclosed $ Account Number: 5307-5820-7703-5141 Capital One, F.S.B. P.O. Box 85184 Richmond, VA 23285-5184 Pirmr pint-d.Zaddrra and a r-nui/damgn br/ovr mnd bh,r w bkrk ,.k street Apt. A City S- ZIP nom, Fnone Altemue Ph.. ! #9035442891197323# MAIL ID NUMBER = KAREN HARBOLD ° 2522 ROLO CT ?+ ! MECHANICSBURG PA 17055-5898 Pleme uviteyour account number on yora Jack or money order made payable to Capita/ One, F. S.B. and mail in the mdwed envelope. r a? a? 9 O ro rn ' N rouse w n•enrw mange. 1'a. Ooso ftbd. Yco wm haw a minimun gr panoac rate. 10 cousin the avenge daily balance lot the billrp l dby matemem, we take the your accarert It it has almmdy been dosed. For example, d T=, cheeo inm a msrcfum end we 26 da vviatad tbertce chaps on new balrtce innsfon new apecnl purdisan end new, other aepnam eauin day, add dry new to tiro to each se nem and s bl l d rseartsscim ion are merchent after year , durlps if you pay your WA •NSw Balance', In accoNrtce rNU the Nrrportam Notbe for peyrrbnla Delow d u rac any psyma e or credits. 111 the cods N ¦ppsen on the from of oils mmemerrt red ro 'BNanee Rate Appled To; we else account has been dosed, yaw aaoant wM be reopened, Me enaud of the charge will be added to your account, end oaun wdg be r nobl If di f i , and in tkne for It ro M aredted by your next statemont sttmrad my tatpaid tlnsrrm cheap inrtlrrded b the balance yy e or pstwrem. ner s a merMenMfp be for your accaud, are 1es aW mMinue doting dam. Then Is nc Ipam Period on cash advmntms I s ecial Vansfon r, dds- the i d I of each aeprrad.I Tats give a the dmNY bNenca of each Th to be charged, to the emm? pamYaed by law, moll the p . , a re . nc gram per o m any Oarrecdon if you do not pay the taal 'Now sepnent. en, we add up dl are 41y Dalaroes for each se rrertt fen the d. ri od and divide b are te l accaud hNarrt:e has be. Paid In full as detlned Mow. 7 1bs Y A helar m. ' p ? . y??e y a manber of days b the b+aats pedal Thh giros m the . ? ost aaatsit.Ywr dad or esce,ad camoi be reed n inn omion whh an ime m di b. Aarrap Flrrrtw atatN. Tnrradiar wNCh ere not ralact to • ace eriod ere ammesrd M1rtce dur e t) . awrpe daily hNarnce of each segment. 3 A N P l pl APR y m g im ng transactions. p p g irowr the data of th Lrarradbn or 2) from the dime the . ,ssn iaai sgs ea C I. a. The tenor 'Anon) Percemege Rme' maY appear ea e. IMise Akwe fBsMds tlresk prrvaaYn. Whar you provide s check as poymem, you mndlredze m abler to trensaaion M pr.cemesd to yatt Account or 3) from the APR' m are find of Wm mtetartent. use it,=" m tom your check to make a ens-titre era cNerslar date of the curtain gilirp period. Adddanaly, ' b. If the cads P (Prime), L 43 Free. LIBOR). C (CertlAute of oleettanrfo hind transist from your boat acmran or to i1 tau did not pay the New BmWtm Iran the proviom ondrrg lea anence dtargm canmdre to scone to DepodtI, or S lBmmroad Pmnsl mppsmre on to front of this statement ncsi to the k th d bi d l Ptoceba a the mm n • cheek trenrction. When we ; , your !;.,d bmlarice unt= the unpaid helantce la paid in full. TNa means that ou ma site owe I-- dtar it ti a e o o pa , rates and mrrapardnro Affil PENCENfAOE RATES m b f Ian psun dtsek fo ::it. e an alectradc Asd transfer, lards maY he wiadnam yad bemc y gos, even you pay the on ire New Balance indicated w the from of y a mase or decrease based my vary gwn on the mined ktdcas a The Wall Stmt account as soon as the erne day we recalw r you payment reml will not k b h k ( your matemem by the nod simant." dadnp dote, but did not do es I. the pmNOa eordr Untpdd =rrerroe drer ea , Jorrusl, plm th marykr pprreeNocely Z=4 you. These du s v=tl he ffo ti f w your c ec ec ram , ir?rtdutl on. . g en added to ate a esgsratt of your Aaarad. ' n e c w on o your biteng period mwrod by you pedodc matemart ending BILLING RIONTS SUMMARY j c. h?rarer Fitrreo pimp. Fa =b lNrp period the your accord is rrepact to s tlrerga, a midnvun .Julyy and in the manhe Jarwd October. ry, AWI c. It the code D Wrists), F it ma. MR) OF O 13-mo. (lit Coe OI Error Or Ouagorr About Your &M) It you ttdnk your hi= is w ar It You treednrrore total FINANCE i]iAA(3E of $0.60 Mtl he irnrpmed. Ii the rye rip spill you resulti total anarrceld?'n lea aun 10 twe w1B sWtr df thorn 60 LIBORRepdmd M aMpyel ppean on are lrpdaddoofd?your d ? O Ara Aahija r I s Mfomutian m s uranssdbn a bih, wore to m m a soort fpte the address, r potable m i ta ? ro , . a arrlormt Im. are $0.50 midrmm and the difference will be b1lad n w gachaas a?arp of your a count err iteaD r PEACE AOE PATES may varymonWy a may incomes or decrease based on the meted kndlcea as found In rho Weil Stem Jo al l i Id a d n m Me ft ad matanent We must her it= you ter later than BD days after we starts you are g bill d . td . Tms*asy flsirsaYn Is Fkrrss I res. We -- the d{ig to not sseees any a all finance durya for any gown I , p ua us the margin proNady dmcbaed to you. These dnnlpa will be etbctiw m the 1. day of your bases pedod ym ==a You can call as rnarrber, but riding es wW not reserve Yaur leaser, phis u the fogowkq ?• d M n WIWrg ppesri_od. 2. Av=ery - ms Ikrektirl Nsw 14Nras1. Fl la l each month. 4. Aaaarrnt N Latin, Ovaera and IWry ftlemard Far. tammi m anoup of theme nsme ad eccastt nwanbar, the diaper s dertgtion of dye error j °d nrrtor, s. ca cWted Y mdtiplNrq the daily nsncs V-=.h bat .arm espneM of yaw amonan le.g., uM Your account will be assessed no more then two of the time feted herethat occurdmkrg wy billkp psdotl. Under the and an a I , pmNele o/ wlw you bNbve then is an aa It you m"* Inru m desedpaon of edvernce, purdresa, yodel tnnnmbr, and apstlN pundnes) by the cenmportdnp daily pabdc ratels) the, Ms been proNarly dsdmed to you At the end of rch da dum term of your carton apneentem, ors reserve the right to aive or not to seems am tem without n ncalfoatbn to ou vdttrornt at i h !%! the hem you an val. Y. do trot haw to pay any amount kr It, but you _dx wMa vre are k=" . y p the blNkrg period, we apply the daily periodic rate for each y w our r g t to arose or dmilar form m e let tfo pre. en mill gqrnad to in question hellos we YM yt m In r. uestion we cannot s0gmem of yar 1 account the and the da???l__yy balance pad of each aepnent. Then sit the d of tin bmerp period, we add up 6.'tRenswkrg you Aaaama. It a rrrennberaldp tee mppeen on the fiant of Uts mmansm, you Mw 30 , lee q report you as dNirngsern or to cony action to collect one mourn you question. the rewdtm of serer dMy cala=altats to ardor at your day. from ate dote this mmarrem wr matted toyouto pedant tlrrsrrm crepe for emdt ssgmethe m. We add to ao rerdb Iran ach ssgmont to amw at told porfodc sdyoupaylrrp the fee or to hew such fee credodto you ithe certtx= yaw scrroun. Dump ads period you cosy , t,'f Special Rule For Credit Cam Purchase. Ansnce charge for your mcconmrt. To get the flatlyy balance for mdn segment of your arxwunt we rib the be kmbt continue to use your acoamt vdttrour hevkp t o pey the mombetirl fe T il If he w a prddem with the quality of progeny or , g g b. for mdr sepnsm and add ai?ryry nsw venadlar and o lc Monroe du e min lat d a vi p e. o unt your account, Your mfr notify m by uterp ax Catamer Relations, Depamnern d ' esM? t ? haw trod M r faith to correct the poblan Wtlr he = p w e on re pre am date s anrm for that aapnam. Ws Men hatred any an pay your New BNarm in fie le memhennp use) prior to it* end of ths_tNryg-day period. merdran, yin may hew dye dpn not to ate remakd rote ng l N e s red to a n 8. N Y au Cham t 6meard amt to dose y R he" this emaunt due m tie ropsn proledbn Wy ,M- an unM se tl ° y he that sepnrart. Thh i IF the separate da for mdn a.ptrd of your acown NO- it you psW the Qraner p u k mt bm ing De enntem Y u t d a d in p wen ores ten ? ? $50'00 and the purdrr rose "° "' ywr bane state or . , New Balance down on fuX Your Pov mmemem In for p . o mus at your cn t m (s) end Account soma dtesb cancel N rerdrorized Oitlk within 100 mgm of your mol&p ad 6 (1/ we own or it your new bNSnce was :ens or a credit amour), new t i hi h , p p, and cases usk your smaartf you do not cancel you ooms. it J w m operate the merdrem, a If we mmtled you the adwnlaammt for are p n or meMcm NI rxd rentrct ana w c poor to your purchase or ml purdrese esginems see not melded to the dW balance We reaurlrorizsd lrp tm, will consider reml t f d m ri ? y , p teesa are mwrod regmnder o amain or focmam of purchase.) y . cekntaro the awnings dalyy__rdmntce by adding ad uhe oily ate mmbmd balances tagelher snr0 dviar are sun b f p qp your at o a ro aatlon b es reopen your accoud. AddaarMy, Your eccart will not be tlmed tl ll Ma r remember fo dgn NI caroepondenca. p o y the day. in ere awrent WMrg cYda. To uforlme your total unt you pry eyo u hew m amaadauheyou m kwi en tramacaar nntlirtg. Y rizsd,owefinsntm dtspm, pert Ones not Apply to canawnm non-cradX cad accounts t firurnce carpe, mdtlply? your awrege daily balance by the dm fees, owdmit tam, returned prymem foes, uM da=y periodic rao and fete the rsenbor of days In the MNinng pedal Due to ranting on e da=p beds tlon ma bas advennm fern end ante other foes aaesmaed to your t V d t Does rat to apply baslemss nor-cram card accomn . , y 30g1d wriatm between this calculation, and the amount of tl d " accoun . ou are rempa Ne for tlnase emouds uvvfimher they appea on your arsaett n are dine yw request to Capitol One auppons Infgrmmtbn privacy protection: am our nanax rrq adt y mmaersd. b. If the side Z or N eppmn m an Iran of this stateroom does th attain or they are itreu and eWesgrrem b our re nom t tl a T s at -.9= .corn. Cetinl Oto Is a kdsrall r t d k i i mm to 'Bence Rate Applied To, we mrmiply the y g o ase re account. his may rmiM In charge appeahang m you aemnad surer you Mw y eg ere serv ce m r s of Capital One Firendat Corporation. All rights reserved. a 2003 aver a f r mom? reareeted the acmnanl to M deed or the reOOerdnc of Capital One Ot LGLBAK Important Nodoe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. Pr. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 1 t , 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. Ir" 034-0502 Q GOLD MASTERCARD ACCOUNT DEC 20, 2002 -JAN 19, 2003 5307-5820-7703-5141 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $3,511.48 1 09 JAN PAYMENT RECEIVED -THANK YOU $105.00- Payments, Credits and Adjustments - $105.00 Transactions ? $52.87 Transactions Finance Charges 192¢1 New Balance $3,511.66 2 14 JAN MONMOBIL75 91294017 DILLSBURG PA $34.77 3 14 JAN EXXONMOBIL75 91294017 DILLSBURG PA 18.10 Minimum Amount Due $105.00 Kmart appreciates your business in 2002, and wishes you a happy and healthy new year. Stop by Payment Due Date February 19, 2003 your local Kmart to take advantage of the after-holiday sales and great brands such as Joe Boxer,' Martha Stewart Everyday,' Disney' and Sesame Street.' Total Credit Line 13,500 (Non-Kmart/CashPortion) $3,000 Total Balance $3,511.66 (Kmart Balance) $492.15 (Non-Kmart Balance) $1,391.84 (Cash Balance) $1,627.67 Availablefor Kmart Purchases $.00 (Portion available for $.00 Non-Kmart/Cash Transactions) At your service To a8 Customer Relations or to report a loot or stolen card.- 1-800-830-7524 Send parmeats to: Send iagairies to: Attn: Remittance Procnsing Capital One Service Capita One Servion P.O. Box 95184 P.O. B. 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 F-matace Charges Pleate'"Tewrsit rtdefol Important information A' d. C_=d`_ WEE w ?o KMART PURCHASES $49 1497.95 .04888%D 17. 7.55% NON-KMART PURCHASES 51,364.90 .04808%D 17 55% $7.42 520 34 cQ . CASH $1,646.% .04808%D 17.55% . 524.55 ANNUAL PERCENTAGE RATE applied this period 17.55% PLEASE RETURN PORTION BELOW WITH PAYMENT. a 0000000 7 5307582077035141 19 3511660105000105005 New Balance $3.511.66 Minimum Amount Due $105.00 Payment Due Date February 19, 2003 Total enclosed $ Account Number: 5307-5820-7703-5141 Capital One, F.S.B. P.O. Box 85184 Richmond, VA 23285-5184 1111oilIIIIIIIIII11111111111111111111111111n11Neill lullbul Plewe pint meriting adbm ardor a-mail ehmgu betom ram, Hue or blank ink. senesce Apt: Ciry Scam ZIP Home Phone Alt c- Phone #9001942891197322# MAIL ID NUMBER KAREN HARBOLD oD 2522 ROLO CT en t? ro Z,-- MECHANICSBURG PA 17055-5898 r Pleare witeyosv arcount number on your eberk or money order madepayable to Capital One, F.S.B. and mail in the enclaed envelope. EM p? bi O i N u will haw i mirtinun prate periotl of Arurtce de en roW pUrchaaes, roW . new apeclN wraMaes and new other periodic rate. To obtain the average daily balance for the hlMtq riot covered by tits atstermmerhl, we take tie bapi?lnqp ba, of ed1 eaplleln oath day, add MY row transactlar to wadi seamewn, and wltram arty payments or credits. IH tie code raw, , s than of , statement was to 'NNance To,' we afro subtract enY urpsd Ansnca dupe thrhrded In the balance of each seq?hhent) Tile gives u the dsNY balnae of esch aepment. Ten, we add up sal the daNY Glarcaa far each sepnem fur to bNN?q p?rbd Md dvide by doe total raahhbar of days in ton pwtq period. THs gives us se averspe filly balance of oath segront. 3. Antral ¦ireteago ?Ake IAM. a. The ten 'AnrwsI Pe age Note' may appear as APR' on ton from of this sutemma. b. If to code P (Prime), L 13-mo. USOR), C (Cenlicate of Deposit), or S Benkoed Pttro) appeal an the from of wseand con stnammhnt rost to tope ri?At- ro mlal, tA(IE on pedodcNATEB retespdh drq A NNUAL PENCENT may wry puneriy arhQ may increase or decrease based an ton Noted Mass, a found in TM Waal Stwer JomrW, pka ton marpM ppreviaMy dseleed to . These dranpes WA M eflactlw on tle AM Ial ofyouyou MRNp period covered by your periodic statement endnp c. lithe code D IPdmel,/F? JdLIBOR) m G (3-mo. LlR of RepricedtoMoney) appeam on star front of your stvemen roe =A mu, tieperiodic and conesporhdrq PEIICElNe)fAOE MTES maroes y very mantNy andmey I-- or dscresse bawd on ton Need trice, as food M TM Wae Sbsef ?a mW, plu the merafn previc dsdoned to you. Toe chfrhyea will be efbctlw on Ilse AM day at your dine period each moth. 4. Aessorse of I" OveArrre aW aalunse Psrystee Fee. Your account veil be aesased no more ton two of the teas lived ore that sever,VW.V MY bit period. urset the tames of your eutomsr apresnent, ws =. . Under igln to Nw or not to arse any tee Wtou Ddor notlACetbn to e I ml - ft. to geese the same or Nmpar s a s later time. S. YNr Assured. It a membetdo fee eppeeta on tle flan of this statement, you he 30 dap from ton date this statement we mailed to you to ave %=:r fee to haw such fee cmd1wd to you if you r -DOWN. Durirp Ms period, you may coffee mare your smxaen vtshaurl Mvhp to p.y to membrs4 be.To ==, emx:CUM, yet ut notify us by ceptt, Ralatiars DeproanmstH and pe y?tx lbw BNarae' N full lexdhdrp tle memomNp bel Prieoato the and of tla tNtY-doy pmIod. S. N Yet l7ioo You Aoraa. You can retFrsst to dose ypouu esxent by rLos au M1ru. NNations Dapenmem. Yau rout destroy your credit comp) and accaM socee decks, cancel op preautlarized NNtp, and ceae your asxout. If You do not uraN preaulorized errahpements, we sea consider praar of • dupe yaw aeMriaatlon to secant. AtidtionNly, your eeeaNt won nil be closed unt1 You Payoff amounts pu owe u YduruAnp: arty due fees, pilimit be Mumsd promo dupe, pail payment tee, cash adwnce boo and men odor ken aoseooed to your accent. You ore account at tM data you request to eppesr your ur acerrumt at se sine pyauutr N to they on to dace Hhe accent or they ere khourod ausaequrMt to your request to dose tle accohrt. Thb may roast In charges Warming on your axeM other you haw if you audouizad account If it he.Puraal ready been closed. Far receive it. irellaactlmh the rrerdrorht Ifref YWr =".'- baM dosed, your be adds Wfl M reopened, o1 the rhorrQq?ewN M added to your account, end you sea ba respes?Ma for prym.m. It there le e fee for year Will caminue to to dhsrped, t d wnem pemiliws bey law, untl dire amsut ba nee Ms Man p. In foil as delMed above. 7. Use Your Aawre.Your rail or a ooram carrot be usedin co reotiun Writ any Internet gambling transactions. S. Nodes AMta Osoeeria OreoA Oarm orlon. When you providea teat payment, wborize a wns- u w elactra Jun d In ric d. Dunn froesm eeckyour matseitler time d trMSb, from dam your bas account or to p- a ppaayrnshnt e a Cheat va make narton on - When WB use I mturns on item yaw siheek m mo alectromc tad tarobr, karts may be =a- from your bank amxount as soon ss tie some oY w receive your payrnem, and you wIN rot reoNw your deck beck from your flnsndal I=11on. BILLING RIGHTS SUMMARY (In Case Of Errors Or Questions About Your SIR) If you situ you bon is wrorp, or It you reed mare infarmnlan ona trarwctlon or Mil =a to us on s ""'" Neat as soon n possible n the address far irpdde Nevin on the f:::a atl of the statement. We must oar from you no later then SO dotyyss alter we sent you the first bill on Which ton errer 14, preMa&7::;d You call our Customer RNaMns bst, as Z ram ppmeserw you rignts. ti ywr letter, glue u ton Aibwip Infamwbn: your name and amxeut raarber, the ddlar amusenden *4 ==, strperod error, a ukscripfan of tie seerrorre a expls =, It,=, of ww1hwy YM baMw is actor, a it you need more Inbenadan, a tleactiption of ion Ftem you are issue ahou. You do not haw to pay any emont fa Wile we ors InwstleeWa h, but you ere atAl to pay tle pans of yatr DN that ere not it guesllon. we Nhveetpsm you preatlon, we artat report you as delhhqure or take achy action to snllect to amount you question. 1,t Special Rule For Credit Card Puntromm; If pu haw a problem Wth Ile gwNty of ptopetty orend yo seMums that you purdused Wth a credit use u Mw trod in pahd taitih to t»rrec[ the problem Wth ono ng mount due a on meY hew sin ripe not to pay ton remaki amount a du the p or aortas. You Mw fhb promotion orl Wen ton puttee prise was more than 160.00 and 1M pumMes sew mods M ywr bane Nate or = 100 miss of nt, or U vre ma your maerp addirm (If we own or operate the mordeZ you to adwntsMUtm for the property or services, all purchases are covered ea of amount or location of purchase.) Please ran.=rd to Ngn ell correspondence. t Does not apply to tnnsuen mat-credit tend scaoeets 3 Does net apply m basness eon-credit card --to Ora suepons bbmutlon privacy protection: we our n cam. One 1. a b a telly eMca mark of Capital uncial Coryontian.V= reserved. 0 2003 AK accuNence with to Mpensm NNice far payments below, and in time for N a M cmdhed by your next Netemam dostnp date. Tom If ro grace period on cash advanc?e and apodN traehfam in addtlon, there b no pace period on any transaction if you do not pay the teal ' New balance.' b. AesnrYp FArane„. TtensseNons With are net fl- irem?tlmt tile oainsiMlranectbnNm 2j f hteiM) the irMaacifan b mahxred to yax Accaat or 3) trust the AM cNardsr day a f ton utrttert hiNnp pettd. Adddonspy, it you did not pay the 'NSw Bolshe from the proNar hNYtp =b InaAril, lturae dsrpe corhtkare to auxn to yyoaurur al utN the uupald balame Is paid IWI. THs means that you my sub owe enhance tapes, even if you pay to etire New Balance indicated on ae from of your statement by the had mtemem dosing date, but dal rat tab a for he Urpald d. dupes tot, areeeths iFA.aPpropNMcoe6ulemoth. Ohsrge. for eidhINhp period that you aceamnt N subfact to a Ansrce dhsrpe, a rhimrmrun tool RNANCE CHARGE of AO.SO WA M Istpeed. N ton total Aroma charge wouldra Bow he appNr?tlon of your periods rate/N b lase tlerh i0 ., we will n6tmd that nmraatt from the $0.60 minimum and the dinveae will be baled to tlr phacMae seghmm m r amxwt. t d. Tettehwry IlaaalUan in Ftrws OkNeo. We roeerw the dght to not ester any or as Shame charges for any given 2. Avaragsq C Nslaw 1Mkriha NwY Aaalwm). e. R nsncoe dupe Is c l-b"mo fiy mhhlplythp the d.Ity balanc?a of eorih sspnwt of Your asxeum b.q., nNh sdvance, pwdrsa, srpselal trarobr, and special punchael by to correspadrp dilly pmbdc =,f that free been previourNY doeloosd to you. At tha gird of ehrssm 4y doing to koftpe yriod, We apply he dolly periodic rate br arch ospnansour aconhrt to ton aW""lyy talsras of edh egmsm. Then at to ed of ton bNpihp period, we add up to resub of tlesa dopy cNUnlstlors to DMus at pedorflc Arwhn derpe tin sacih segment. we add up to rsalb iron escis sopment to antes n the tnN perkdc t osrae Burge for your accomrht. To pet to d.y bNaroe robalanceAx aatih oeprren and t eaches=of yaw aces"add,amm//new we tam Hhe bedmbq traaactions and an ppeerioAc flthorhse toga tsleuAted on to preNan day's bNahse ku tlst se0nsm. We the aub[ract arty W tymefro m cretin posted as of ton toy that am allocated aepnem. Thb ¢ves u se sepame dopy bNstae for eadt sepnan of your accent. However, if yw oNdota New Be1MOe sown an yes preview Nati:M th 1W ( it your new bWnce wa zero or a credit amount, new vamhectiar With pan ro your puxrhsse or special purdhae seOrrores are not added to to dwy bNarmce. We calcdaw to s or dilly balarae by eddrp ail se daily balances ^ogether d' ?pc?o am b ranbei trial day. the current Ansrae chaps, multlplyy yax swinge deflY balance by the dNly?? stem and by to number of dap In the MNkg petl rouhubNl on a daily baNa, them may M a P'l varisrae between Oils ralWation gird the smount of Astarte de actually a ormsed. b. If ton Dods E or N appesm on the from of tats statement roxt to 'Balance Rate Appped To,' we mdtlply the 1206RS Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelops, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. Pi. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wndaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. KAREN HARBOLD, YOU COULD SAVE UP TO $4(10 ON AUTO INSURANCE YUITH ONE OPUICK PHONE CALL ?0 modw IL Account Summary Previous Balance $3,511.66 Payments, Credits and Adjustments - $125.00 Tmnsactmns t $.00 Finance Charges t52 23 New Balance $3,438.89 Minimum Amount Due $103.00 Payment Due Date March 19, 2003 Total Credit Litre $3500 (Non-Kmart/Cash Portion) $3,000 Total Balance $3,438.89 (Kmart Balance) $482.45 (Non-Kmart Balance) $1,362.84 (Cash Balance) $1,593.60 Available for Kmart Purchases $61.11 (Portion available for $43.56 Non-Kmart/Cash Transactions) At your service To call Cwtomer Relations or to report a lost or stolen card: 1-800-830-7524 Send paymems to: Send mquin. to: Att.- Remittance Processing Capinil One Serricn Capital One Services P.O. Box 55194 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 COLD MASTERCARD ACCOUNT 5307-5820-7703-5141 Payments, Credits and Adjustments JAN 20 - FEB 19, 2003 Page 1 of 1 1 12 FEB PAYMENT RECEIVED -THANK YOU $125.00- Capital One has joined with Progressive Auto Insurance so they can provide you a fast, free rate quote with no obligation! Call 1-877-397-5374! You could save $100• by comparing rates. Mention code P700. *Possible savings based on rate variance of annualized comparison rates calculated by Progressive on calls received from 6/1/01-12/31/01 (excluding variances greater than $1000). Rates and actual savings will vary baud on driving record, vehicle, address and other factors. This Black History Month, Kmart and the National Park Foundation invite you to visit the 17 Historical African American Sites in the National Parks. Visit your local Kmart or wwwmexperience.org for details. Finance Charges Pleasene rezvrieside for important in. frmnation Ed W, PmeJ' it C_Z_er Moe KMART PURCHASES 8491.31 .04808%D 1755% 87 31 o NON-KMART PURCHASES 81,389.07 .048MD 17.55% . 12170 a CASH $1,624.39 .048MD 17.55% $24.21 ANNUAL PERCENTAGE RATE applied this period 17.55% PLEASE RETURN PORTION BELOW WITH PAYMENT. ea 0000000 7 5307582077035141 19 343889 0125000103006 New Balance $3.438.89 Minimum Amount Due $103.00 Payment Due Date March 19, 2003 Total enclosed $ Account Nambw.. 5307-5820-7703-5141 Hemrprmi -ding "h-anal-,-mailrAmsger belmo suing ki -blank in!'. mere Apt f City st- ZIP - Home Phony Al.-. Ph.. Capital One, F.S.B. P.O. Box 85184 Richmond, VA 23285-5184 11111 1111111111 111 Jn11111111111111111 If IIu11u1If InIIImI #9005142891197325# MAIL ID NUMBER KAREN HARBOLD mo 2522 ROLO CT MECHANICSBURG PA 17055-5898 567300-01 See reverse for details -a. r Pleme writeyour aaount number m yota check o money oral- made,payable to Capital One, F. S.B. and mail in the erulored envelope. KAREN HARBOLD, A few minutes of your time could be worth up to $1400: rl -8-77-397-537,4`1' Call ft*uske today at to see N you could save! (Please mention Key Code P345) PROGRFffl f" AUTO INSURANCE rha wlc° Po°g °?° ° Ya W phene fir hragh he Internet may be Wn r or lower horn the By reapondvq to due dbr, you may be ca .wdmhg nkmhatlon rttd yepaNf to to xn", first ProQasMvtle erne died try en hdeDarndarn aped or broker. provides fhb product-for exam, that you eA a Capital Onto aanenw. 'POS6e savkgs beaW en ear vadonce d anxaW¢atl ==W mass calc lend by Prapreseiw on a 2003 Capital One Serv . Inc. Capital One m a federally reptered WW. mark. AN Vft rays-d. Calla racalred horn 1/7N2-N,i0'02. RNSe end ecNN aIriwnnce produrcla se PrwWed and urdarwnlern by, erd fie tlna sxdumw dwgren d, Propmsiva Insurance products am net CepIW One products and are not or*W by Capital One or by spry d fine American m Ina. Co., AttbPro Ine. Co., ProproWve Caaally Ina. Co., Pr°/r°sl'r° Cask es sxoapt vdaro appweabla by GqW OM Inwrarca Ape?9pedNe Naluaa and upper hrs. Co.. PropweN° Cady Ake kr. Co., Program" Halcyon Ins. Co.. Proprswe Hawari Ins. =t mh fist aWS. AppNOnb fir. undrw?krn w soma Corp.. PropsNw Idaratlnan hr. Co., Progressive Man Ins. Co.. PmprasNa keca n Is. Co.. y rod gsAy. Van tlsdaim b purabss irwaanos rM your dwb a an krum or Prtgroseha Mererblt Ina. Co., PropeWw LaurN Irsc Co., °P°aelr° Ins. rOSr rvip haw ne eNact en tar Ora or asrks. HiBURANCE _ Co., PropaWra HaYrm Ina. Co., P rogrsMe NoMwsrm aro. Co., Pr Pelwsrda Is. PRODa ARE NOT R FDIC I D, HOT INSURED BV ANV FEDERAL Co., PmQaaYw PnMned Ins. CA., PropseM Socurly Is. Co., PropasNe SPt8 Ins. Co., GOVERNMENT AGENCY AND AND NOT T GUARANTEED BY CAPITAL ONE. Poo. Weal Ins. Co. Headquartered in Mayfield usage. ps. O OH. Not avaYbls in sN Mat°e or skueaona. 1 INNER 111111 O ?- N =Mnr,pg Tm nee of each 7== ay, add any new iraMec to as segmact any payments or credits. 11f the code N appears on the from of this statement nest to 'BNann Rete AppNed To; we also sbtract any uanDaid firuarnce tlugp kndudad In the test of each spnrs?t.) Ttla ¢wa ue fine deity balanea of each aegrsrd. Then, we add rq all the wily balances for each segment br tha biWrq pedal and divide by the Intel number of aye In the osrq patlod. This ¢ws us the ewra}?pe dsNy Face of each sagm-M 3. Ansel Pseerrge Rstsa )APIA. a. The tern 'Arauel P..i N app Rate' may appear as APR' en tle from of Wit statement. b. If the code P (Prior). L (3 mo. LIBOR). C (Coruscate of refs and may vary en the w RATES e based Jourol, plea itre These thongs wimlleba roendha adNorn sed d., to yy. Your n ig e perod covered by your padodc sutenrnt "1 month Janwry, Apdi, Jdy MR) October. c. If de code D )Prime), F 11 -me. LIBOR) or 0 131mo. LIBOR Repdced MomNy) appeaa m the from of your NNernrornt ne tt to the peNOdc ra14), the periodic rams and consapordrq ANNUAL PERCENTAGE RATES mey vary nmmarnlNy a my l mm" or decrees based on the ststed kdtxa, es found in The Wei Street Jouarl, plus the mar¢n ously disclosed to you. These tluanpps will be efbctlw an the first day of your billing pelted each morah. 4. Aesus ens" st Las, O"rUM less Returned Payers! Feu. You accent will be assessed no most than tyro of the teas listed hem that occur during any billing period. Ueda the tens of you c a-, agreemumt, era roserw Ale d¢ts fo waive a not to :sass end fees without yam notlficsNen to we=X ivNq ors ri¢n to guess the same or similar at rime. Ran Aewd. 11 1 mmb°Mp tae 5. penYthoe from of thi. statement, you have 30 day. from the dote this statement wait matbd to you to avoid paykg the fee or to if hawntg Ws such isperiod, ya credited tomyou you cercd your euxant. Du ay comkaa to tae your a= vrlllnaut t-I g to Pay the merrbanNnip be. To cencst your accarrn, you muter =1 u by cdkg our Cwtemer Relssloro Depanm r. and pay e 'New Bslarce' In ha lexcIC7 the embaI.dom fu) Prior to tlr and of the 1Nrtay period. 6. N Yw Obs Ysr Awe. You can request to dose yyoouur accousrt by ceXfrq as Customer RNstbne Depenmem. You mug dostroy your credit cad(s) and account aces decks, ancN ail pruudedzed biNkg, and case us your ecxuant. If you I not cared preautbadzed bWinN srrarypmem we will corner receipt of a dirge your sNlrriznion to reopen your atcaan. AddUahaly, your eccani will not be cbaed uxnN you pay an emtaads you owe ue kctudkg: any traneactlar you haw authorized, hence charges, pest due ten, -rVir tuts, nturted peymumt pas, cash advanee feu end =W nes oer axon t. You an br Neese amours wiethar they appear en your account m the time you request to close hie accent fir they are incurred subsequent to your request to dose the account. This may result in charges eppeeting on your account after you haw your axrem it it Ins already been dosd. For example, 'f you a 1Iid a pudas from a merchants and we rocNw the nan-tier, ham Iba merchant after your account has been domed, your aaxaent will be reopened, the eyyrraaruuoua of the drryp-will be added to yam exam, annemhersNp ysu auxrouar?L ka Me ?v11 cnonistinue to be droved, io the extend pemdned by qw, uNl the account bdence Ms been p. in kN as defined above. 7. != Yse Msataa.You card or accoud cermot be n xmretbn with any ktsemet gambling traasctkse. S. IbMbe About ENstsds chase Cor wnbn. When you provide a deck ens paynterts, you audrrim ue e11har to we Inbmrtbn from yaw deck ro make a one-riche abctrarnk kite traagr from your bank accounts or to u the ppsaymern as a check trsrwctlon. Wham we uae inbrmstlon from you deck to make an electronic fund t,-far. kando may be wlddnrol from your bank amount es aoen s the ssne ay we most- your payment, and you oval hart receive your deck back from your finenndN instfrurden. BILLING RIGHTS SUMMARY ,in Cam Of Erron Or Questkar About Your Bill) If ya think your bill is wrap, or if you need more Infomhatlan on a u munglon or bill, write to us an a separate dsw as seem as possdle a the address for kgulIt ahawn en the from of Ohio stmemem. We murn hear from firs ne later It 00 days after we eon you the fist bill Cenuanane a_ fir error or p.M- rod. you can ors r RNatlorr number, but aaMq s will hart ppresew yea ri¢ns. h yam bnsr, ¢w ue de kdbwkg a amount of the of tyour roams find amount amber, rte debar he srpermed emm, a description of the error end an expl If ye. If pasbb, o whyy you below there is en error, a If you need moro inbmratbn a desripUen of the dons you are o- about. you do nott kMqw tbo pay any emwtt n while vw sro investipstke ut you ere still obi red to pay de pros of your bEf dirt aro net In question. i nM F djr your q ..Uen, we cannot .Pon You, as or t?kM? arty action to cdbct the mouxm you question. t,t Spadal Rule For Cmdt Card Purchases If you haw a problem with the q Ili of property or srvic tlat you pundrssed vvith • credit cent and you haw tad in good iNth s cennecl fir problem with the mertltam, you may haw fire right not to Ma fir remaHnp anrant due en the pro Fly or services. haw thin promotion oilyy wh en the p a 50.00 and ttts pundhas was matledin yam h m. Nat or within 100 mlu of yam 2E eddrsa. fit we own or operate tle mordent, a it has naked you tlr edwdsmarn fur the p nY or mrnees, ap purchess ere covered ropens_ of smwn or kcadon of purdus.) Pleas remember to Ngn all correaor pw--t. . t Does rot spply to consam°r non-crodit card accounts t Does not apply to busM°ss eon-credit cord accounts Ce 1 One supports information privacy protection: see our wbssite at www.ccssqtsic ne.com. Cepltsl One Is a bdsNly rsslered service mark of Capitol Capital One 1 Corporatien. A71 dghts -r-d. ° 010OLBAK ta. ares Posted. You will h% i midmun grace pedo0 of 26 days without stances depot en row purdussea, new balsrce lroall-, new opee phase and new odrr tlharpes If you pay you loul'Nsw Belarce', in accordance with the Irrrporharrr Notice for payments below, and in time for it no be merited by your next statements doNnp dste. Tiro Is ne grade period en ash advances and yedN traneba. In eddden, !hare b ne pace period en any trensectlen it you do not psy the tail 'New balance.' b. Aasnbtp thanes ado. Transactlens wHM aro not abject ro a (pace pedo0 ere aaseaaed Ikurce crepe 11 horn the dste of iha trarractien or 2) horn fir ate the "::-of'- b proceusd to yam Accaun or 3) Aran the Ern calla den ay N fir arum tlWng pedad. Addtfonely, it did net pay the 'lbw Balance' horn the previas yyapmx u * Wgxe utUl the upslld balance Is paid In full. THs means that you mayy still owe Nrlance dugs, oven 11 you Pay the state New Baleen indicated on the front of statement she not do - let the t ustte n dose ate, bus rid aro added to the wpmen?i Wa dorm Acc .M. t c. lanrre Fbmeea?fon each biif perod that Vets account is subject to a Nnanee charge, a minbmern total NNf1NCE CHARGE of $0.60 will ba imposed. If the tool 9nsce charge rewire hen the =6% of youpeadc nteq) 1.lane than 60.60' we of that amount from the 00.50 mirbnran and the difterorx will bit hlbd to Ins purdeae se?rrm of r axamt. td. Terrpseny Maslen Is Awtia aterOa. We resew the d¢s top snroIot dssso s any a NI thence dargas for any ¢wn 2. Avsgs Daay asbhae 1 Mew Mahsssl• a. HrorceDWdwga b = of by rndtMvhg the aay balance of each sgnerd of your aacaun le.p., uah ad- purdrse, q=l hanefer, end syeckl p se) by tle corraspsrdbg dally pstbdc retagl that hens been Proviady disclosed to ya. At the and of soh M td tha bWlrg period vre apply the dWY peeriododic rate b d sprnernt of doe scooun to the d?ill_yy ce of soh segment Then m the and of tha °°°ng period, we odd hap tha rut as of 11rs dstly c=d.` s to enter et you period. hhanee dugs br ement. We adtl up the =I rom eadn segment to ardw at o total goad. dmarge far you arxotan. To get Ile dillyy bs?ierce qr ssufin aepntent of your eocant, we take the symkq bsbnee to soh segment and add anyy new tmn:%one sad amps ria/c finance dnange celculatad entha pnlyli- doys balence br Nhat aspmern. We then srbtreo any payments a crodls posed es of the! ay that are Noceted to that spprmrern. TNs ¢ws us the sepaate dsNY baebrnce br each aepmnent of 'X;: t. H you pwaid the New Baance eharrn r ,-== arts In lid (fir if your new babneepail was mre or a credit artrsad), new iraroarnlone which to ==. m z=:..' purchase °°Prr°ms an rot We cekdete the awrape dAyy__bNSrce by adding all the balances topsthar and Furring the sum by the numbedaily r of the doer in de cllrrerp no cycle. To cakvlatur total Nnetce drgge, multply ywr awrege dNN bal.e yoby the alY pedock rote and he number of doemyen in tha bitlInp padad. Due to raundrp an a daily baste, th may be e eight verience between tile akdetlen and the ama.d of Nrrrce do Too solwlly tool seed. b. If the cede Z o H eppe°n on the ham of tNd rtatemem nett to 'Balenee Rate Appled To,' we multiply the 141OUS Important Notioe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are 1(fionday, through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. . 4 - ? I KAREN HARBOLD, One simple call could save you as much as SX7,nl7n See reverse for details -? Ca?pa1Q GOLD MASTERCARD ACCOUNT FEB 20 - MAR 19, 2003 5307-5820-7703-5141 Page 1 of 2 Account Summary Payments, Credits and Adjustments Previous Balance $3,438.89 1 06 MAR PAYMENT RECEIVED - THANK YOU ;103.00- Payments, Credits and Adjustments - ;104.01 2 11 MAR ADJ- CASH ADVANCE FEE - - FINANCE CHARGE 1.01- Transactions * ;103.40 Finance Charges a 151 68 Transactions New Balance ;3,489.% 3 21 FEB SHOP AMERICA ELK GROVE VIL IL $41.90 4 12 MAR CASH ADV. COMMON WEALT HARRISBURG PA 61 50 Minimum Amount Due ;104.00 . 5 19 MAR CASH ADVANCE FEE - - FINANCE CHARGE 5 00 Payment Due Date April 19, 2003 . Taal Credit Line Line ;3500 If you took a Cash Advance for more than $142.80 between May 2002 and January 2003, the Cash (Non /Cash Portion) ;3 000 Advance fee billed to your account may have been incorrect. We have corrected this error and , made the necessary credits to your account. This adjustment will appear on this billing statement. Total Balance 113,499.% Capital One has joined with Progressive Auto Insurance so they can provide you a fast free rate (Kmart Balance) $174.48 , quote with no obligation Call 1-877-397-5374! You could save ;4W by comparing raw. Mention (Non-Kmart Balance) ;1,382.50 code P700. *Possible savings based on rate variance of annualized comparison rates calculated by (Cash Balance) ;1,632.98 Progressive on calls received from 6/1/01-12/31/01(emluding variances greater than $1000). Rates Available for Kmart Purchases $10.04 and actual savings will vary based on driving record, vehicle, address and other factors. (Portion available for ;.00 Non-Kmart/Cash Transactions) At your service To all Customer Relations or to report a lost or stolen arc: I-800-830-7524 Send PNmenta to: Send inquiries to: Attic Remittance Processing Capital One Services Capital One Services P.O. B. 85184 P.O. Box 85015 Richmond, VA 25285-S194 Richmond, VA 23295-5015 Finanot Charges Pie&ereereverreridefor important infornationn Bade rare per olio C-&- WE gptliedto ewe E m KMART PURCHASES ;478.36 .0490891 D 1755% 86.44 m NON-KMART $1,391.82 .048M D 1735% $1.74 8 1,597.38 .04808t1D 17.55% 821.50 ANNUAL PERCENTAGE RATE applied this period 17.54% PLEASE RETURN PORTION BELOW WITH PAYMENT. cur 0000000 7 5307582077035141 19 3489960103000104000 u s New Balance ;3.489.% Minimum Amount Due ;104.00 Payment Due Date April 19, 2003 Total enclosed ; Account Number: 5307-5920-7703-5141 Pews, ft et mad er odium sailor a-mad ebaaaer keiow wind blur or blaek ink. enat Apr P City State ZIP Hama Ph- Alrmnste Phone ! #9007942891197326# MAIL ID NUMBER i Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 2522 ROLO CT Richmond, VA 23285-5184 r' MECHANICSBURG PA 17055-5898 IIII111II11111,161,1It1l1l1n11111111IfIut1lIf. 11111u111 Please write your acount number on your cheek or money order made payable to Capital One, F.S.B. and mail in the enclosed envelope. r Call Progressive Auto Insurance at 1-877-397-5374 for an instant quote today, KAREN HARBOLD. AUTO INSURANCE You could be saving as much as $367.8ra year on car insurance! When you call, plem merldon Key Cede P346. s)tf? O ?i N Irrrnwnnoe Ixodrda are provided.m md«wafm by and er. tlr .xd.lw ebYpetlan dProgrewheantrins,knaCo.,ROprewivaAuropmkr Cw.1'roprasaizaCawWy Iro. Ca., PI'ogresNvri Clepte M-. Co.. ProgresNw Cotaty Irk1Wl fro. Co., PMWSWN Halcyon lea Co.. PropoaYra Hawai mi Cap.. Progreeeva Menem Iro. Co., Proprwive Mahon. Co.. Progressive Michigan Ina Co., Prognasve Neaps Ins. Co., PropaWvs abamin Laurel Ma. Co., pnogasotw N.V. Ina. Co., ProgrNNw Northam Inc. Co., PMWOSabe NON mostm Ins. Co.. Propaasvo Pamords it. Co.. ProVeesMs P-amw hta Co., R.West w- Sognay In. Co., Inmilmashm SpedMy Ins. Co., PMWO" ve wall mi. Co. Headquednad in MftftW Va-p, OR Not BWAOr in of noes or aura bons. krounnor products sre not Cricket OnO Prodcls and m not arm by Capital One or by arty d le a1 g1 , eaoept where appic" by Capasl One Irwrarrca Agency. Speeac bKwa and options may vary and may not be avakebb M p SINK. Applicants am Individually m*wrOW and some kdNtluW may not quairy. Your deaelm to purchase mur. ante and your choice of an artier or span stet hie no -ew on your sup I For Cry CeprW Orr product or aeniw. INSURANCE PRODUCTS APE NOT DEPOSIM, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GovERNwNT AGENCY AND NOT GUARANTEED By CAPITAL ONE •Poomaayetge based ken nY vOlkl d Annualized comparison man by Pragmatism co are recahee ham 111N2-VAW (Including wmreK eastern $10 and 111,000). PWe and &Ousl smkrga sea very bow on r1Mkg rams vei aco and ogler taclas. By responding to this offer, you may be commudeatlrrg Wo meion about yourself Ike de rxmpmy cam proNOK Sae laetlueh-fa eKrnpla, rive You are . Ca" One cyistomer. 02003 Cpplbh One t inc. Cepael Om la a IemnyY mot ered serzla mark a dpfK rsaenvsa. ta. Qaw PstIM. You veal how -a minimum pros period of 25 dap wianut ihanca serge m new purchesea, mw holarnca trahebn, new spedal purdraK and new other drapes It you WY Your tnN 'New BNana', in and and In anoo win the Imponam lblka for now aterea blow, M once for it to be cradled by your next mnemerrt a. advmcas cho" den. atoll b m grace period cash ' ibw end apeciN trmbn. N addition, them Is m grace period manynwractlon it you do not pay the total b. :army FYrmw Orp. Traheactlom which are rwt tram t n • gran ceded ere aeeeesed fl-rrca chance 11 Iran Hare sore o1 at tnroadbn or 2) iron the date 1ho traroedim is proceeeed to your Aecoua or 3) from the flrot cabre-r hay of err txrrrem bNlnp ppeehbd. AdlYtlohepy, It?yau did not pay the 'lbw Balaree f muses err preMar ?q period M La, trrsco drrym uxhmknue to scone to yyaoww rarpsW bsWoe udA unpaid balance la pold M tuff. TTis mean art you ma12, owe Mates charges, awn it you sty the entire lbw n a indicated m the from of yout statement by the next atetemam do-Mp time, but did rot do an for the pre viow morph. Unpaid I_- charges an added to the . to. MhN= FirmPw?.e appIcabI 1sods earn pe wpnent of your Ariod cot that dpMp ppoerind covered by Fiat statement, we cake the begNairy be,- of each seprrwd each day, add any mw err create. 11111he Cow n n co the From w free mNement net to ' Balsas a Appfied To,' we !al erubtrad any unpaid finance dsrge IrrdtadeA M the nce of each Kpnem.) Thb % tor ate dally hol-roe of saris taOttent. Tien, we add up as the des, bsWcK for Kch aeOrrttt br the Wlfinp ppaaned and dune by the feel rnnbw of sap M ere bNMrp period. Thu picas w ere awnye dally hNarwre m ewe segnrnt. a. The tam 'Ar1h Pentmapa Bata' may appear as 'APR' on de Iran of tlda mm moment. b. If the code P (Prices), L 13-mo. LIBOR1, C (C rdicne of O-DOsfl, or S =, d P*-) appears m the from of this among tin petfade rorabl, the podoe form and arroKardre ANNUAL PERCENTAGE RAT(bk may vary quarterly andm y kcre-w or docreaae hosed m the .,ad indires, m farad M The Was Street Y ?u nW q ratebl tinCENIrAOE petlo? enntes ANlppssmaP eER M summers ms to the and corroworhdrq wry mmaiy arnhdd may IncroaN or decreew bleed m the caned Macro, w bard M TM WN' Sasat Jourme plw your eMkhg - I ?chu. These 0. ho aflecptive co tlt fi y period each mash. 6. Aa-wmtera of Lot*, o-.emll and assured =%F s.ra Yoter accost veal be spewed m mot than b limed how that occur dneMg my Maine petbd. Under the temp of your estoner agretme'!E7 rw the veal- or not to suer mY few wr nohe to wrthsut vwivfrrg ow right to :ewes or Nmfler at • later time. 5. Yno Aerated. If a ...,be," be appmn m the from of Ms ---=' ysu how 30 dap trot lho doe lie m... wu nulled to you to avoid psyMg the fee or to hew such be credited to you if you outset Year -ccauht. Wdhp this period, you may comkse to use yea :scant whltu hovfrhp to pay the =,,be p be. To cnrcN your -ccotart, you newt rrtlry rr by cNlkq our Cuartomer Relatler Dep:nmam end pay your New ffNamm, in kill fwMudrhp the menitMiIF fee) pdw to the end of the thirty day period. 9. If yw Cfese Y. Mr-r-a. You urn rspsn to dose ypwrhr -txxam by =d=, mener kar Llapam M. You your suds amts) and account access dhecks ants efi pro=, zed baMil, you aM mw tests r -coast. If you l prmrahodzed wrwpanmonsi we wig consider ecainl Addidd a ysur aud.,i atlm to reopen your y, yeti a sand WIN of be Dosed rarta you pry dl -murms yw owe w MdWnrp: sty irarwCtl P4 you hew authorized, 9heroe drupes, pan due few, oveamft few, rettuned P.yatm few, cash advance few who wry otlher fees eswpad to yaw accent. You ere rpporWWe br ate ahous weather they appear co yeti they an n he intro you request to dog e t auxau or they are Incurred subsequent to your regent ar d doe ythe our accent. This ymay ou tends in deryw aPPesri^9 on your auxsun after you Mw ND eccourt it it has already been dosed. For apmple, it you authorized a purohoa front a rimdtnt and we receive at irarr-chon ban the merclrm after your accent has bean dosed, your account sea be reopened, the arroum of the chores We be added to your accent, end yyoouu sea ho repemlee tor paymwn. If shore la e memhenNp tee don your atxourn, Cho tee vNl rsnMns fo ho charged, to tlr extern pamdtted by law, -a fee eccourn ho Meioses Wd M Lug so defined -bow. 7, Your Aswram"Y- r aM or accent cannot be M oaarctbn any kneern gornbflng transactions. 8. IMMr Msta flsrbsltls At Oarhvrrslrhr. r.=. ProWde a duck as p-ymem, you -lehome here Mbmstbn tram your ruck n make : ors -time elea.n c fund trstsbr t1p11 yet bank acooren or to procew at P@Wnoffl a a chock transaction. When we use Information from your duck to mks an dectroNc fund transfer, Lastle may be =aver, from your bank account n soon w at same My we receive your psYmem, and yen wa1 not receive your check back from cur If -1 irrthwim. BILLING B1014TS SUMMARY ,In Cure Of Errors Or Orumtlw About Your Bfl0 If you Wrau your be le wrong, a If you reed more inimmtbn on a tarwmlon or N0, vahe to ua on a separate stor m soon as Possible at the address for Ewe Mquldw duvet on at frail of ads mataerem. We rtes yet no, later den SO days awho you the fluor bR m wreds =%==. You can call oaf Qrmamr doe. so rd. not ppreserve you dghn. In cur bib,, == okevvMp Mtomrikn: your hence :7=, d -rxeaa dollar amours of the awpected error, a de dpdm of the error and m explamtbn, if ppsN6le of vary you beam them is an error; a If you uneed ehous bdomtatlon, a daKdptim of the tam yes aro uruure above. Ysu do not Mw to pay any arrant wells ors ere M ;tkt h, brut you are Fall rid n pay the pane of your -I are r not e qumtlon. we Mwadgate your grusatlm, we amo con you -s dskputra or tale arty aNm to collect the amen you que rllm. t,t Special Rule for Credit Cam Purchases It you hew a problem with tho up k of pfapeny or whom tlrt you purdtwd wine creaN cam and you how trod In good iNd to cortct rite problem with the merdrm, you may how one rigb not to pay tlt romsMirq amours aloe m aro ray w whom. Ysu hew prorecapr shay wet the purchose pda we moro rises 160.00 =I=*. sew made In yaw home n:ie or whNn 1t u mNWsp eddror. flf we own or operole the modem, a It we merged you the edvmisoment feu the pmperty or wrvkes, -N pumutws am covered repsrdaw of/ emoun or locetim of purchase.) Please remembor to lice NI correspondence. t Does tat apply f- consarw son-credyt card accouns t Dom not aPPIY to ounztsa mo woM curd accoonn One auppons Mbrm-tlm privacy protection: we our at www. nbm.can. Out b a rafly redM service mark of Capital rrrdsl Corporation. All right. yns reaerred. a 2003 tht _ O/LOLBAK Petfode rorelsM few then nOrn M50,twe will wbtroct thstr oncost from the 10.50 ndnlnwn and the dfference Wfl be bgnd to ere purchase wpnenl ofy? account. td. Trepstooy 1lsalslirh is Rnenw Choose. We reserve the daM to not assew my w all Merrce drrges for any given MMq pad_od. 2. a. FFinance r+e eYy sal - I1. .d lbw Mal lh 1. a. hot.- dsatge is eN of Y your aco nt 1the dWy N- of each wpltrn of your arson e•g•, ash pumlrse, spade trrsbr, and rPedal pur drni y rerperrdrq d-gy periods stele) shot ire hoes preNeslY d-closed 1o you. At the end *.la each dey durirhp the Nfiksp period, we apply at dsfiy pedc rate tw m wprtrrt of your :ccat-rt V- the dallyy fslrirna of sore sacrum. Tien n Cho and of iho bd1 ng period, we -dd up the recasts of thew dopy c-Ind-tlarr fo end n r periods Mesa chogp br sadr sepnenl. We add uq Cho results tram esah arrive at dt tore) periods flhertca tltrge feu yen -scawgwtm tom. TO gm the dally balance hoYresiro?iw wdr n Your secant, we take the beelmMg and roe add .1 my led new tn the pro and any ?dodo pisnc?emdr as an 's y wOhsem. Ws then stLtraor my yrmms ohlo or cfor art on vk I', redo lasted w of art daV asst ere ..-.,ad Pe torshot wgnmt. TNS glues w Cho aeparote daffy holarsca b suds wprrsarn m your etxaxm. However, al you d ere New BWres shown on your previous natemem In !till for if your sew hot.- sew zero or a crodt -mores), row =---d--=P: too %= =.. Wa c:bd-te the avarage deg fralarce by =all the daily number-of rod Form the ="' =M= p obn 'mr toe] 11 tally hol-roe by the d.xy dock n -cad ronnhor of dap in the bill p . Due to randrhp m s dNly hoNe, Chore rosy ho e varbrtos borwem this cakxaatlco and the amount of fimnce cMrpe ectuNIV a-sewed. b. If the code Z or N eppwn m the from of this mnamem mat to Be- 'War Applied To,' we mdtlply the I I- Important Notloe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelops, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five )6) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. S 200891 ta eat PROTECTION Good credit is priceless. Payment Protection from Capital One makes protecting It affordable! Call toll free 1-080-527-3014 to enroll now or mail the attached Enrollment Form with your Capital One* credit card payment. (--en you calL please mention Key code SSC-11 Affordable credit protection designed with you in mind Your minimum monthly payment will be paid-including the monthly charge for Payment Protection Page 2 of 2 Dear KAREN HARBOLD, You made a smart move when you signed up for your Capital Onem credit card And now we're giving you the opportunity to make yet another smart move: Safeguarding your credit is affordable with Payment Proteedon. Protecting your credit rating has never been more affordable. Capital One brings you credit protection at a price that helps you meet your financial needs. Late and overlimit The Capital One Payment Protection Program pays the minimum monthly fees may be waived payment you owe on your eligible balance if you or your secondary cardholder i loses a job involuntarily or one of you becomes temporarily d sabled due to an accident or illness. Plus, in the event of death or permanent disability of you or You can use your Capital One your secondary cardholder, Payment Protection will pay off the eligible balance on card even while benefit payments your card, up to $10,000. are being made! Payment Protection costs only $.89 per $100 of your monthly statement For example, if your balance is $200, the cost for the month is only $1.78. If it is zero, there's no cost to you at all. And there ate no hidden fees. Over 5 million Capital One customers safeguard their credit with Payment Protection. To join them, just sign and return your attached Enrollment Form in the provided Capital One credit card statement envelope. You will receive your Payment Protection Addendum, including complete plan terms and conditions, in about two weeks. Protect your credit and enjoy peace of mind - enroll in Payment Protection today. Thank you for choosing Sincerely, O' eq Customer Relations: J. Alan Berson (800) 955-7070 Senior Vice President, Capita! One www.capitalone.com P.S. The power of Payment Protection has never been more affordable. Enroll now to protect your Capital One account! Enroll your other Capital One account; in Payment Protection today by calling 1488-_S27--3019. 200891 200891 Payment Protection Enrollment Form Key Code: He Code: 13CAPVR APVR ? YESI I want the peace of mind that comes with Payment Protection. By signing below, I authorize you to enroll me in this program to safeguard my current Capital One® account. I understand that by enrolling, I will be charged $.89 per $100 of my monthly KAREN HARBOLD 2522 ROLO CT statement balance, which will be billed to my Capital One credit card MECHANICSBURG PA 17055-5898 account. Please see reverse for Important Information. Account# 5307-5820-7703-5141 Signature Date Date of Birth Please sign in black or blue ink only. Detach and return this form in your Capital One credit card payment envelope. IMPORTANT WFORMATION ABOUT PAYMENT PROTECTION Your Payment Protection Addendum, which includes your membership materials, will arrive in about 2.3 weeks and your membership will be effective as of the date shown on the Addendum. The cost of just $o.89 per Wo of your account balance each month will be automatically billed to your Capital One credit card account. This program pays the minimum monthly payment you owe on the eligible balance if you or your secondary cardholder becomes involuntarily unemployed or are unable to work due to disability. R also pays the entire balance, up to $io,ooo, in the event of death or permanent total disability of you or your secondary cardholder. For inquiries, or if you wish to discontinue this program, please call the toll-free number included in your Payment Protection Addendum. O 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 111375 KAREN HARBOLD You me up to C61' Ce' Account Summarv Previous Balance $3,489.96 Payments, Credits and Adjustments $110.00 Transactions . $.00 Finance Charges 152 29 New Balance } $3,432.25 Minimum Amount Due $102.00 Payment Due Date May 19, 2003 Toll Credit Line $3,500 (Non-Kmart/Cash Portio n) $3,000 Total Balance $3,432.25 (Kmart Balance) $46727 (Non-Kmart Balance) $1,361.52 (Cash Balance) $1,603.46 Ava lablefor Krueger Purchases $67.75 (Portion available for $35.02 Non-Kmart/Cash Transactions) At your service To cab Customer Relations or to report a lost or stolen ard: 1-500-830-7524 Send Payments to: Send inquiri. to: Attn: Remittance Processing Capital One Servlces Capinl One Services P.O. Box 85184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 did you know... Please mention Key Colds P347 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 MAR 20 - APR 19, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 18 APR PAYMENT RECEIVED -THANK YOU $110.00- Capital One has joined with Progressive Auto Insurance so they can provide you a feat, free rate quote with no obligation! Call 1-877-397-5374! You could save $400' by comparing rates. Mention code P700. 'Possible savings based on rate variance of annualized comparison rates calculated by Progressive on calls received from 611/01-12/31/01 (excluding variances greater than $1000). Rates and actual savings will vary based on driving record, vehicle, address and other factors. Finance Charges Pleaseim re je rid e f or important information Bdm-k Pff dr Carr)a,sdnd d m r gyfrda rdr m KMART PURCHASES $476.99 .048MD 1755% 57.11 NON-KMART PURCHASES $1,389.82 .04808%D 1755% $20.72 CASH $1,641.32 .04808%D 17SS% $24.46 ANNUAL PERCENTAGE RATE applied this period 17.55% PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 7 5307582077035141 19 3432250110000102007 P4areprint meilindad6en rural or r-mail r! edn beloru arced 66u or blaef ink New Balance $3.43225 Minimum Amount Due $102.00 Street Apt R Payment Due Date May 19, 2003 City Satc ZIP Total enclosed $ Home Phone Al.,- Phone Account Number: 5307-5820-7703-5141 a #9011042891197329# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 Hispiau11u11ddu1 ? r 2522 ROLO CT Richmond, VA 23285-5184 MECHANICSBURG PA 17055-5898 IIIIIIIs111111gill II11111Ii1111111111oil111111111lp111lilpiI I ut111ugill ntr11111 111111111111111111111111IfII111 Is1111111 56500001 Or p1 Ea AUTO INSURANCE Please write your aaornt number on yaw rherk or rrroney or&r made payable to Capital One, F. S.B. and mail in the enrlored envelope. One toll-free call could save you up to #400 a year on your auto insurance. 1-877-397-5374 e cal>italorie.corzl/1'savtbfi:.)vv Please mention Key Code P347 M =Now t>! a? t? I: .- N PRITRREII/f " AUTO INSURANCE Ins. Co.. ProploaeM AhtloPro ins. Co., Progroatiw Gnusily bs. Co.. Pnograasiw (:laaale be. Ca., start its. Co.. Ropsesive Max an. Ca, PnxproaNVa AM?pen frIi Co., Pmpm Monhst ion. Co., n Nodwrsshm Ins. Co., Pmpraseke Pebvstds la. Co. P, mpwiva Pnhmd?ba. Ca, Pmpeesivs Nailahla kt ad sear Q siklWOrs. in vASn epP purp°rasY CaPW Ono Ineyyuoorauurnrm /mancY Smoke horapasrskand opHero vary and URIEE0. D, x CT=0VY?ANV°FEDERAL DOVEdfHWAENT'.`GW ANDWNOTOUAfUN1 9& N O enet may WhIpfsrorkwwr then pre Pro¢e•eWe rate oNend by en agento broker. Wean rues GlcrAded by P onGna Focused from U1 . halo and waste ae" may very You can also 6w Progreseive hsunnm we Other you by plain or fhe-kmem°t may be highte or beer Hr°n the PMgrftMO sale cleared by an independent agent OF broker. none me. I o omen me average may munc , tar out Kin?g period covered by the natement, we take the bepming bal= Ot each seQrtem each day, add any sew vemectlde to ch aeenent, and wMna °nY?°t°nta OF credits. 111 the coda H appeen l 1M from o natermm next to 'BNaras Rate Applied To,' we el•o subtract •my unpaid tartce rh.; p ind T irr t . Mlmer of each aaprrern.) Thh gives m the dNly bellime of each aepment. Tlsn we add up all the dallyy balaram for each °°Dm°m for the bill ppeeriod end Ills by the total ntartbar of days N the bnNnp period. This glues m the .?e daN?y bslamce of each "paw". 3. ArssW M«A°a• Rata (Anlf. °. Thor term 'Armuel percentage Marc' may appear as 'APR' on the from of tbia statement. b. If the code P )Prue), L i3 -me. LIBOR), C (CeniNGte of Deposit), or S IMMccad Prime) spore on the from of this m•t.tarn next to the pa. rsfe(.), the periodic latest and corresponding ANNUAL PERCENTAGE RATES may wry guarteriy and may Increase or decrease based on tha toted Indices, as found in The Was Strom Joust, pins the margkhpproroWomiy 1=1 1 toyo1 You. Those Marque will W eftactlw on the Hm da yea hying Period mwrod by your pedodc mamrn andkhp the mde 0 January, d, Jdy and Occtober. c. If the soda D IPrime1, F 1 LIBOR) or O 13-mo. LIBOR Raprimd MornNyl appeen on tW iron of your .nemNa next to the ppeedadc rmad), the parade r°tea end mrrppprdrq ANWAL PERCENTAGE RATES may vary me "a2 A Incroe•s or decrease based on tW .mad Mons, ea farad In Th Wee Sum Jasprsl, pins the meryfe PreWoualy ds imed to you. These changes .. be effecUw on the &st day of your bitting period each month. 4. Aeaeserrs d of Late, OvwirA sett Renamed PayareM foss. Your account WN be assessed ne mom than two of tha tees listed ham the omur during arty blNng period. Under the hems of your daswer agreement, . reserve tW dqM to wow or not to eases my, fees w1dr ut pnor nstllcmfen Mo without wmvktg Our right to aaese the seme or simNer at a fifer time. 5. srtss. Your Assort. It •nememmein tP teow front of MN• . youha 30 ppean en tlhe days from the rime ills .etemem wss matted ro you to veld payktg ttayour secant. Durin fee or re haw such fee credited to you i1 You certcal g ills period, you may con IF re tee ur occom withourl havktg to pay 1W memW,Wp tee.Yo To G(tcal Your eccoart, You amt notify m by caNrtq % I.?7"R eiend pay your 'New hrtmI==em fee) prior to the and o11W 1MnY-d°Y period 6. M You Cb- your wNl. Yw can done pyouu scram by WAeang assn Crammer regal.Rafsti.m uep°nntem. You must destroy your credit Grdfal and account access chaclu, cereal all p=w rixeIf biNhg, and cease uaka your eccdan. H you Gnaei ores Azad Nrtp arrNgemems, we will consider receipt of a charge you sutarizston to r accoum. Addtlen°NY. Your rt»tm wile rat be ahead umn you pay aU amant any s you oweHnrae u Mudrhg: veruactiorr you haw auda,,=, chngeo pa. due fees, owdimH fee, returned payment fee., cash advance fees and any other fees areesed to your accdW. You ero re•pdribfe br chase amount. whethar closcloy appear w your ecc..tt et iha tine you ,egtsat to e the eIt to d orthey ero Incurred subsequrenl to your r°qul°°l to rime tha ccoum. The may rowlf in charyes apparirq on ydxaemoum seer you haw ror exempie, yOl1r ecraun,n ada pu .ay trdnteen a me n nee ess dowse..and we I Vail = receive the transaction from the merchsm alter your scaled he. been dined, your aocoum win be reopened, the swotan of tbs charpgpe wN be added to yore accaan, end yyoouu will be raapartNale for Payment. 11 there is a menrberWp tee to your eccaustl, the tee win mldras to be dtaroed, to the exlam pemlaed 6y law, unN the acomnt be ante has been Wid in k/I as dented above. 7. these Your AwuFmLYwe Gd or account cannot be med-In rn nowdon with any mwret gambling trerwcterse. 8. Ibthe About 11 ssea , cheek ON . am. wham You p= ¦ Meek as payment, you authorize m either to us, khblc horn from your chock to rake a one time electreri tend treater fain your bank awaont or to proms the peysnerN ss s check tnrascit . When we use information form your deck to make m electronic bad tramin, knde may t:4 hdrawn from your bank acaaud as soon at the •day we remiw your payment, end you will not receive your deck back ham your Hanshl Institution. BILLING RIGHTS SUMMARY On Case Of Enron Or Questions Alan Your Bill) You think your bill is wrong, or 11 you reed more intomsthn on s transaction or bill, write to us on a asperse sheet we soon as posalMe at the address ter irgulrise sMyat on the front of Mile ststernem. We must hear from you m IN., than BD == stmt you the Hm bill on sWid1 ire error or po You Gn can our Wsann Ralalfons ramWr, bin ddnp era WH not ppreserve you rights. ur R N Your fetter, give w the idbw5 infemnlon: yax rums red accost ntmWr, 1ha dollar amousn of the supx1ed error, • deserbtlan m the oror and an expisration, if passible, m wAtyy you balleve share la an .ror, "I you need more infemamn • deecdpdon of the Ism you are rare about. You do trot haw to pay any amore in =ion whin wo ere inwyour it, Mn you ere sill °eNpered to pay 1W pens Of your t? 1Wt to not in question. WNIa we Mwaderm Your ymsHen, wo cereal report you ss delinquent or take any acorn to cdlect the immure you queetlon. t,-r Special Rule Fur Credit Card Purchases I you haw a problem with the quality of property or seMcr that you purMesed with a crops Gd ant you haw tried M good hint to correct the probleni wit the merdsm, Voss may haw 1te ridts shot to p.y tha rernekirtp °mant due en the p ny or seMCee. You haw this protection ally when the purchase price was mss then 450.00 and the pulohese wp weds M you home sine on wiWn 1410 miles s your maarq add-. 'If we oven or operate File merchsnM, or if we :%%= tha are rd P sty all purdssea Please n error to sign of emouH orespo dance of purchase.) 'r Does wt sppty to coeaemer non croult cord eccourris, t DO- nut apply to baseless eon-credit cab accounts CactN O_ supports inbmstion pri-y protadim: sin our wwbsite n www.G mos.con. Witt One is a rally IZN.ed serwm mark of Capital qMe Rmncwl Corporation. A71 rights --d. ° 2 L?OLBAK ta. assets partial. You win haw a rdnsl.tun grace period of 25 days without htNtae cho on new purchases, new baance transient, - sparest Pusunism sM new odes accordance Zr tM?krportma Notre for peyrrrent° below, and In 1iss for it ro be creed by your ad stmemem dealnp dare. Thera h a pram traded on Galt advences and apselsi transient' In addHon, thane Is ror grace period =rarsacdm it you do rat Pay the foal 'New b. AsNeMa FYlgra qrp. TransecNar wNM ero rot atnhlect to a gram period are erased M1tsrae Merge 1) from ilia date of iha trsrrectbn o 2) hen tha date the trarwobn h p.Meaaed la yon Aran n 31 trap the M eshltdar day of tr eurrem ItNHng period. AddMknally, ids lNyrwq rid net pay it. 'NS. BehnG' from the proWOm yyoouur L=b- cs uraH Ma unpaid Wance is paid in fun. THi =::== we Hanes dsgps, awn i1 you In mud on the from of your stns= by Ifs roe ststontann doaetg date, but rid rho do the br tits provlNr rramlt. Uno! sans charges en added to biro aspmstht o your Acorn. t c. Heriwrr Fktall•s fd aedt billing period ihet your aecelaht h to • Hrmrtee duple, a rdrirtem goal RNANCE of 40.50 wet W Irrpessd. It tha total Hnarm cWrye r from the • rise of your periodic meld . ha den no, we I nMnc1 thei amour flow the 40.50 mfalmtsn and the difference will be II*a to r1 ptr°Mae arrtsn 't' d. w*rry aseuell a Hr r .0 fin We raerw des ddht 1° not dod saaea any or all Harenc. ce ofyour daahxoumrype. pe for any given 2. = DMyMore beek ire Na. fvsbawl. a. Rnstce drgie h rslnHated by nttsipiyfrtg the deny be[- of sent seprarN of your aced. fe.g., G.II ad, by the cmsa? r cep =; frpJ=dc,ine.=,d been PreWOUIy dsefesed to you. At the and of each dayy du iha bXNrrp period'me pply Fire dally periodic tar fo each segment of your scmml to ,he dallyy balperiarae of esM =. Then at Mha ad m d. bi ,od, we add up erio.dic Haofnce a deliy caldtadds 1o amw n r p from each segment tot to esM ardor sepn at em. ft ==c wMs °P° flrhaltm ='J_ aceotsttTa gut the daily be?lance hr each Y°tu accosts, ors tut the beprewp 5R Ira each aepnmt and add a sew trarsadids lbenm Marge call led on the pre riom lance for that sepnem. We thZ=%. any peynrNrls or oedfu posed r of that a -IwI to that sepnnll. TN. Siva m the sspame daily Whrae New Bai `"n If aceanM. However, D you Iha em In if your sew baiotce was zem of a carediI amown, a (or hu pot. to yerlr pY1Meahadory Whra Or aPedales - se seQmmn en t• are it. added to t. We daily r e average byy fralrae by .ddrtq all tharof tagelhar std dvldrq tha arm 6y the numbe me days in the curem ==g. To GWne your tract Hance dsrge, mu `my daily Wferae by two dagy pedals ror end by iha minter of days in tha biHirhp period. Due to roudttq on e dally basis, then may be a sttgm wdarae between IN. ceblHaton and the amount of Hrtnhce sharps ctually aasered. b. If the coda Z oraN appear on Me hoe of this statement nsa to 'Balance {late Applied To; we nsidply the 113845 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five 151 business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. KARIN HARSOLD; i Walk into the car dealership with up to $30,000 in hand! Avoid the hassles of dealer financing and credit checks in just 3 easy steps: Let us know 2 Get your you're interested. approval letter. Simply visit us online at or can YOUR PERSONAL RESERVATION NUMBER: 0062716744-04190 ?IOnea Account S1lnlwrv Previous Balance $3,43225 Payments, Credits and Adjustments - $150.00 Transactions t $.00 Finance Charges 149.57 New Balance $3,331,82 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 3 Head to the deolershipl Monday - Frhh y, 8 a.m. - l1 p.m., or Saturday, 8:30 a.m. - 7 a.m. (IM 5697ue-o1 APR 20 - MAY 19, 2003 Page 1 of 2 Payments, Credits and Adjustments 1 16 MAY PAYMENT RECEIVED -THANK YOU $150.00- Minimum Amount Due $99.00 Payment Due Date June 19, 2003 Total Credit Lille $3,500 (Non-KmaWCash Portion) $3,000 Total Balance $3,331.82 (Kmart Balance) $453.60 (Non-Kmart Balance) $1,321.67 (Cash Balance) $1,556.55 Available f« Kim rt Purchases $168.18 (Portion available for $121.78 Non-KmardCash Transactions) At your service To a0 Customer Relation or to report a loot or stolen and: 1-800-830-7524 Send mmnts to: Send inquiries to: Attn: Remittma Processing Capitol One Ser noes Capital One Serrion P.O. B. 85184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 Fblarlee Chatgn Plena fee recurs ride for iorportant inforeration Ba!.rare Prue! Con).-6nd FIN rpti.da, 4PR at, KMART PURCHASES $467.81 .048MD 17.55% $6.75 N NON-KMART PURCHASES 11,363.11 .048MD 17.55% $19.66 CASH $1,605.34 .04NMD 17.55% $23.16 ANNUAL PERCENTAGE RATE applied this period 17.55% PLEASE RETURN PORTION BELOW WITH PAYMENT. owe 0000000 7 5307582077035141 19 3331820150000099005 New Balance $3,331.82 Minimum Amount Due $99.00 Payment Due Date June 19, 2003 Total enclosed $ AccoantNumber: 5307-5820-7703-5141 P4areprint mailiadad?rrr and r mailr4arrdn br! nand bhu o. b! k iaL Sneer Apt a city Stele ZIP Home Phone #9014042891197326# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 2522 ROTA CT 111111 111 111 N Richmond, VA 23285-5184 MECHANICSBURG PA 17055-5898 llllllllllilllllll llllll llllll11/11111/1i111111i1111lltlllllll ° ? lull'lull'III IIl Ill llllllll ll llllll 111 111 ll11111111111111111 Pkare uniteyour account number on your check or money order made payable to Capital One, F. S.B. and mail in the enclosed envelope. F_ Go buy the car you want with no worries or hassles! You've been pre-selected for up to $30,000 in financing. e NO financing hassles at the dealership a NO dealer credit checks a NO application fees or prepayment penalties Apply online at www.carfund.com or call 1-800-304-4854 today and take a big step toward owning the new or pre-owned car you've always wanted! Private Reservation Number for KAREN HARBOLD: tIi a1N? I? i? 9 O Of N Curia mndirimu Tory apply. Thar 46 u n.ouamfeabk. You, unlit hbany wdl M -wed by Cupid One Awn, Fio- in A.. proeea yvm apple-.ri- d.- pre. -mI;,rgwrvrmm A1w -, of taut Fpanrirg will M bard on adil and applioupo rziceL. Applinon uoan be le open 6mluapuy. Minimum mwddy income d 57.500 u requiraL lhymenr anus aced llnb of pens monddy inmr.e. Minimum down payment d 111.00 (ate rash nr wieb a tradr or - ---'. ,date) u mquud.'Cod aveust Snmtud Cava ix x kiat f10,008 U,a-ranlue rmrimiau applr. You mart he u 4aat Ifl yeav of abr. Appliunu mart hen a .clad sea . Ld- wkb.,6c U,md Sum a dbe tame of-- APO. FPO and 11..0. goa.dd,nrm ac ier o q W, for rbu olkc Vairk mar b ommd aid main o-d in,hc Um d Stm. Off. -Aid 6 .11 nndeh (1998 t -) celmling di.condoued vehicle lino and D- Terdmilmge nouk,,iom apply --d kuhip for ,fetal. Titia ofkr ia,m vdad for momrcydn, mobile Menu, RVs, ...-W vehid. and bona. Thu oiler it valid to AK. HI and C.S..deprndrm M fin P.Stoo , .f tigm apply 0 2003 Cupid One S,-w-, I- Capad clue I.. fideafiy ,q{brnad avi,x tack. All dgha nve.ved. Plense cad during the hours UP.. 0062716744-04190 Abnday - Friday, 8 a.m. - It p.m., or Saturday, 8:30 a.m. - 7 p.m. (ET) Have this number handy when you contact us. a-.Bases -Perest. You-w lit have -a mirsmun grace period of 26 days whheut fittartCa du?9s on new Pudreses, new fudsrce trarslem, new apedaf purduaa end now other drapes if You It you, total 'New Balance', In accorderce vdth the Yrtponsrtt lbtke for payments bebw, and In Fiore br h to ha cradled by you eat summon ==i,= b m ase period on Cash advances . In addition, there is no grace period on any I 'aremst on If you do not pay the total 'New baance. b. 5Z rasactloru whits are not o a grace period aro esaessed flnsnce Charge 11 Ms of the tnrsactron or 2) iron the date the processed to your Arrant a 3) from the In a=Is ant Ny of the ctarran billing petfotl. Addhiorraly, it yyen0u did net pay the 'New Baisnce' hen Cho preWOes algng di d in "full, =,=1d=- id in' is pad In M1N. Tali mew drat you m•y mcharges, even if you pay de anise Idetar Balattea Irtdkated on the i tore 11 Your rtatamam by the next matansm doap Ntet re rid not do so for the previous march. Unpaid hence charges aro aaoea to me aepnern m your nccoCan. t c. fialirraaa Pisses . Far each bilktg period that your account Is to a Itrarca he ' a .Nltrrltsrt trial FINANCE E .14-0.50 wR be inpoaed. If the total lhsrtCa doge reaWhthe apolicstlon of your psdodk rrteb) IS sat #=Z, we wlI rod slut am ord flan Ure 10.60 end the dfkrence will be - to the prrduse as?na?t of?yoCrr accoun. td. Taspavy RaatsNsn In FYtaws stags. We -- the dgM to not aesew any or all S once charges for any given blNkq peeled cove red by this smte nerd, we take the beNimirq belatce of each == day, add any now treass to each sepmad any peytsertto or cradle. (If the code N appara an the hen of this statement net to 'Balance Ras Appted To; we else ab[ract any tepald finerle drape included In the balance of each aognxrt?) Ttrb ywa u it. dWy Wlance of each aepnarn. Then, we add up all the dedy balantxs far each seprhem for L bi, ppeeriod and .11 by the tad number of days in the biHing period. This gives us the averaggee dalV Mlance of each woman. 3. Martel ?mssreaas Raise IAFRI. a. The term 'Annual percentage, Rate' may appear as 'APR' on the from of this statenum. b. If the code P (Pritnel, L (3 m. LIBOR), C (Certificate of =,I, art senile the peao)dicprat ra on t h front not rates and =r laspend dy .2 ANNUAL PERCENTAGE MTES may vary edy and may increase of decrease based on the meted kt6cas, as food N TM Wall S,ne, Joumsl, phi the merg oorovbWy deebeeE to yen. These ch t MN b eftecNve . the Ism day of your baling period Cow red by your periodic statement mMkrg in the months January, Apd, and Octder. c. If the code D Wrime), F 1 me. LIBOR) or 0 (3-mo. LIBOR Repriced MmtNy) appeen on de from of your statement ton to de pedoAc rte(s), the pedoAc rata aim conesoorrrNre ANNIAL PERCENTAGE RATES may vary mantNY ¦ msY Imroase or dso-- based on the mated indces, as found in The WaM So. Jounal, plus the margin preWoualy disclosed to you. Thase charrpas will be etbcdw on de firm day d your bitbg period each mash. Peymad Fsas. 4. Aasaresm of We. Ovalasa and Pleasant Your account W N be assessed ne more than two of tte fees [Wed hero that occur during any billing period. Under the d1Ftt to terms of your customer agreement, we reserve the % alve or rot to areas any fees widout prior rtotMcatlon you Mtttout wving our right to seems the same or similar teea at s Inverdtbne. 5.tRmtrtmrlg yea Aeasuml. It a memberahap fee appear on de der e museum suerront, you haw 30 days Iran the hate t was maled to you to avoid payktg the fen or to haw such foe cradled to yen if you rancor your accaan. During Ma period, you may continue to use your accoud wkhout havktg to pay rho memhenNp tea. Ta Cartcal yew secant, you mum nrtl/y us by CaNktg oat Customer Raletlam Department and pay Ww New Balance' k tug (exdudrq the mmrlbenNp lee) Ddm to me mu of the tNny-doY perod. ret4-rest to dose e. If You Chas Ysa Aasarrt. Y--' yyaourn accent by Caang our r Rdatbm oepsnmem. You must demroy your comfit carob) and a gran aaxr decks, Cartcal all pra=nzed bilktp, and cease wYq vote acoant. If you do not cacal pmaahaazed Wgng anapemmms, we WIN consider r ca Hof I Ch your erahorizatlon to 100 your y, your emaan MI not be client opal you pay all amours you owe us Ytdtahq: any treesactlas you low atelorizal, hence chagea, Pen dun tees, owdimk tea, returned peymam men, ash adwnce teas and any otter bas assessed to your ccani. Vou are respasibb br 11 anreuns Mather they appear on your eccauun at tha tlma yen request to dose the amount or they ere incurred mbeequent to cMrgea apps ntq on yax eccantTesr ? ? tin your account it it hoe already been closed. For example, if you auderized a purdrase from a merchant and we receive the bars _ trap the merchant after your account has been Closed, your smolt vd1 be reopened, the amount of iha dtags MN be added to your amour, arM yyoouu Mfi be responalbia br peymetn. It there I. a menhbenAlp fee fir your account, de fee wb canbua to hs dra to the exam pemashed by bw, until the ccaan a has been paid in hst as NNeed above. 7. fbhg Y. Anered.Your Card or ammun cannot be used in connection with any Internet gembing transaction. 8. Rslba Alone ElssaroNs Qtsak Oarryaalan. When you proNde a Check a paymam, you aWerize us We m use Infoneation iron yaw duck to make a one-time electronic held transfer ham yew bank amount or to process the ppaaymentyou ara ddtsekick trawctlon. When we use Inmmstlon from to make an elecularic held Iran%,, funds may be vtetdraver from your bank account a soon as de same day we receiaro yam payrsem, and you MN not racalw your deck beck from you, MrandaI uslhudm. BILLING RIGHTS SUMMARY it. Case Of Fires Or QuesNrts About Your BNB if You tltlnk your bill is wrap, or i1 you need mom fomratlM on a lreMaanat or bill wake 20 1st ah a separate haeo as soon n peaslhle at the ado- for dee hear shown on to from of Cris statement. We must from you no later than BONys after we sent you the first 6111 on Minch the error a Probierm appesttd. You can call our Customer Ralatlors rnntber, but doing se wen not reserve youydouante ==1 nauber, t.0 1 b pfw us tM klbwhq Pntomutian: ha ddlar amour , the aCrspected enor, a description of the ermr Mry you halbw there is and an aplanatian, i1 poasale, of an error; or if you reed more InY u do n a desalp1Z of the ken you are Catwrro about. you do not haw to p.y any whale we ere irtwmipatlto it, but you arrouht to ere rtNl led to pay the parts of yea bar the are net In question. we invertlgate your gCreation, we cannot report you as delktquont or lake any action to collect the amount you question. t,t Special Rule For Credit Card purchases It you Mw a prabian In the gus=hy of properly or as dtrt you par Mtlh a crodt nor end you haw tried In good faith to correct the problemYtie rema MM the emerchant, you may haw Cho difta nor to Wbl V mans dire on the paoppssM a services. You how this praeetlon oily vtton ths fmmdesae ps was more than 4t 0.00 end the purcMSe was made 1nisyour home state or Mtbin 100 males of your malhp addrose. flf we oust or operate the nalL' , or If tare mated you t a =`r'tes ront for the property or services, at purchases are covered regardeas amount or beedon of purchase.) Reese remember to alpt all correspondence. t does not apply a consumer rpm-cred/f card.-is t does not apply to business non-crad/, card accounts One supports Informatlon privacy promotion: we our 8'www. None.txrm. is a nNy r trod service mark of Capital uncial Corporation. I rights reserved. a 2003 One OILOLBAK 2. Awnlp Delp asionse IbWhNWt lfew Malwasl. e. Rrtxtce drape is ca "ad by naitiplI the daily balance of each aspnsnt of your amain le.g., cash advice, purchase, ape" tnrster, end apedal Wrohsal by =,=!'u= Y utelthahas boon pre Yoend ol ach day duel' q de bilktg pmbd, aw apply the CNN pe,bdc rate er each seprran d your eccoumt to the N?_y Wla,rco of each aeprem. or at the end of the bNNng peNd, we add up de reams of tlteae drrlY cakclatl0rs roamw at pedodc ertmee dratgs fm esch aegrnam. We add Cp Me rewde Clan aadt sapnaht to arrive n tha total pedodc ==,X ur eccant. To get the defy bell-your scmuat, we take 'he q bdenca for aim saglnem and add myy new trarosdkxr aim anype dadc hunea dtarga calculated on the previous day's balance b, that sweet. We then sCblract erry payrnens a erode ponied aso1 drat day that ere allocated to thst ae(prMM. Thb ¢we us de sep . duly baame fir aaclt segment of your account, Hmvewr, if you gpi?ld the Now BalsntCa shown on Yms previous malement in 4-a tor If your raw balance wa zoo or s crodt amouml, new trasesctleea whidt port to not added a th your purduedafiY se or spedalbalances purchase se(,naris aro . We calalae ate average dally beleme by addng all the duly she by bslaNcays InMe aurentcyde. To kCmeyarr trial fine dra.,:E0 your ewrege deNy balance by the dMY periadk rate aim Y the rsanba fN r oye b the hiNktg period. Due to routing on s dally Dame, tlere may be a sYgm wince between this calculation and the arrant of tNll@ ChelYe actually asso=W. b. It the code r or N rypeen on de ficm of this netentan next to 'Balance Rate Appled To; we multiply the 112285 Important Notfoe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:10 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 4 Good News, KAREN HARBOLD: You're already pre-selected for auto financing up to $3o,ooo ... before you head to the dealership! Better News, KAREN HARBOLD: Now you can walk into the dealership, select the vehicle you want... n and know your financing is arranged! auto finance' Auto financing so easy... you can apply from the comfort of home! Let us know you're interested - Simply take a few minutes to apply online at www.carfund.cmn or call us at 1-800-304-4854•* Get your Appraval Letter - Upon approval you'll receive a letter advising you of your financing terms. 0)_ 3 Head to the dedership - Take your Approval letter to a preferred dealership and select your new car or truck. That's ON there Is to Jff Dear KAREN HARBOLD, Page 2 Now preferred Capital One cardholders like you can walk into the dealership as a confident buyer-with your pre-arranged auto financing already in hand! You are pre-selected for financing up to $30,000 and a competitive APR, plus: ••• NO financing hassles at the dealership •••r NO application fees ••• NO prepayment penalties •••{r NO dealer credit checks And applying form home is so easy-just follow the three simple steps as explained on the left. Before you know it, you could have the new vehicle you want without having to hassle over financing at the dealership. But hurry, because this offer expires soon. Contact us today to get the financing you need-at the competitive APR you deserve-with Capital One Auto Finance. Sincerely, 69 Azad for J. Alan Berson Senior Vice President, Capital One P.S. To get the car or truck you want, take advantage of this offer of pre-arranged, hassle-five auto financing up to $30,000. There's no obligation, and you'll benefit from a competitive APR Don't delay-respond now. 200606 KAREN HARBOLD: Here's the key to getting that car or truck you want-without worrying about financing! Don't miss this chance to enjoy hassle-free financing-apply today! *Monday - Friday, 8 a.m. - 11 p.m. or Saturday, 8:30 a.m. - 7 p.m. (ET) Have this number handy when you contact us: Reservation Number: 62716744-00t8 4ne° I auto finance- Certain conditions may apply. This offer is nontransferable. Your credit history wilt be reviewed by Capital One Auto Finance in order to process your application and must pass scoring requirements. The amount of your financing will be based on credit and application criteria. Applicants cannot be in open bankruptcy. Minimum monthly income of $1,500 is required. Payment cannot exceed 18% of gross monthly income. Minimum down payment of $1,OW (in cash or with a trade or manu- S ratxurer's rebate) is required. Taal amount financed must be at least $10,000. Loan-to-value restrictions apply. You must be at least 18 years of age. Applicants must se have a valid street address within the United States at the time of contract. APO. FPO and P.O. Box addresses are not eligible for this offer. Vehick must be owned and maintained in the United States. Offer is valid for all models (1998 and newer) excluding discontinued vehicle lines and Daewoo. Term/mileage restrictions apply-see dealership for details. This offer is net valid for motorcycles, mobile homes, RVs, commercial vehicles and boats. This offer is not valid in AK, HI and U.S.-dependent territories. Program restrictions apply. ® 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. r? 11226S a e r 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. 034-0502 ? CW mamw ff& Account Summary Previous Balance $3,331.82 Payments, Credits and Adjustments $150.00 Transactions s $104.56 Finance Charges 151 16 New Balance 4 $3,33754 Minimum Amount Due $100.00 Payment Due Date July 19, 2003 Total Credit Line $3,500 (Non-Kmart/Cash Portion) $3,000 Total Balance $3,33754 (Kmart Balance) $440.10 (Non-Kmart Balance) $1,387.21 (Cash Balance) $1,510.23 Avaihblefor Kmart Purchases $162.46 (Portion available for $102.56 Non-KmardCash Transactions) At your service To all Customer Relations or to report a lost or stolen std: 1-800-830-7524 Send Payments to: Send inquiries to: Attn: Remittance Processing Capital One Services Capital One S- -P.O. B. 85184 P.O. B. 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 MAY 20 - JUN 19, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 14 JUN PAYMENT RECEIVED -THANK YOU $150.00- Transactions 2 20 MAY ASHCOMBE FARM AND MECHANICSBURG PA $104.56 Finance Charges Please lee rel'erieside for i,spodant infrswtion Beefs c % _1 EM .9yr rta We ; 4 N KMART PURCHASES $452.96 .0480896 D 1755% $6.75 NON-KMART PURCHASES $1,424.88 .04808%0 17SS% $21.24 CASH $1554.36 .04808%D 1755% $23.17 ANNUAL PERCENTAGE RATE applied this period 17.55% PLEASE RETURN PORTION BELOW WITH PAYMENT. :21P&MC 1$a 0000000 7 5307582077035141 19 3337540150000100000 New Balance $3,337.54 Minimum Amount Due $100.00 Payment Due Date July 19, 2003 Total enclosed $ Account Number: 5307-5820-7703-5141 stet Ape w City State ZIP Home Phone Al-w Ph- #9017142891197321# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 111III w I It 1 N 2522 ROLO CT uw t .i Richmond, VA 23285-5184 ! MECHANICSBURG PA 17055-5898 ? 11111111411111111111 11111111111111111 111111 11u111111 111ntI Please varite your aeeount number on your cheek or money order madetayable to Capital One, F.S.B. and mail in the mclored a Tope. Pleasepriat mailing adken-& a-mail changer be! wmg Mw or bterk mk r a? ttt? 9 O ro CV t.. Gress MM. You will hw a mirrimurn grace pariah of 25 days whhan flrnaece dwrya on nave WrcMses, nave balance t,wwt-, new apecW ptrchases ¦nd new odor chsryps if you pay your total 'few Balance', I. :cc-l-ce WM tin krgonpn Notice for psymams below, end in firm for it to be credited by your next statement doWp date. Thera la re qr+c+ period on Cash advances end filarial reads. M addition, there b sea prate period marry t:amaalan ii You da rho paV the total 'New b. Asseaeq Plasna+ Chaga. Transactions widdr are no a6Jan to a pace pedal are a•se•sed flrhaea:e carpe 11 ham th dais of tin lrrrwYlon or 2) from de into the lraewcliM b procaaaed to yon Atxxun or 3) from the flm calaNsr day of O. arrest bNSrhp period. AddidoruNy, if yyoenrr did sent pay the 'New Balance from dre P..WA bNlknp pariah M full, Nnanee charges oontMUe to accrue to yyoouurr unpaid Nance teas tin unpaid balance is paid M full. TMe mean 1hel you m•y still owe flssrce dsrgss, awn it you I:; the entNe !eve Balstce Irascsted on tin trap of your statsemN by the Bend - doWp date, but did not da ss for the gevfwr .=U Wild sesrxx drapos pro sddN to the a?scshle sepnaa of your Aceant. tc. fladarrm Fbrstse OrM• Pon sale dakrs porbd thn you atoms Ia to a flrn•rhce orange, s minMaan total RNANCE CHA of 00.60 will lea imposed. N de toys flrnarce durys rewNNq dawn tin a cetlm of yatt periodic ratebl M Isss darn 10 60, wa I erbtnm thn nrernt hem the W.60 nddmrm end the difference .1 be bWM to dire purchase se?rmnt of r account. Tegrnsy Ihllwtlwl M FMsa tarra+. Wa rosswe the td. aloha to not assess any a aN finance dupes Ia any given 2. fiRrp pOOYdayd. ?1pre New Piwalseme. e. W calw/alod 6y mrh YMO tAel dally balance of each sapmem osdn day, add any new irsrw ern• to each •epmed, and shatraot any payments or Crodhs. IN the code N appeen on the hen of W alalemam man to ' Bebnce inn AppYed To, we also nbtran any upsd Nranpe durpe hclnrded M the balance of each •spntmt.l Thb arse ss tie daNy Wince of each aegnrem. Then we am up all the daily bW- for esch selpnero br ilia dNinp period and dvida by the total 3Eot days n the dWnp period. TN• gh- w the 3. Amend Preesltfege RMes WIN. a. The term -AMW Pecedspe Rate- may appear as APR' ou the trap of ad$ statement. b. code P Prime), L (3 me. UNION), C (Ce,llcate of Iiare DepasN), or S IBenku, Pdae) appesn on the ham of fhb statement cent to dre periods stela), 1M psri? stn and cornespp?q ANNUAL PERCEItfAOE MTV may vary end may brcresse or decrease based m ttw hated Indices, ss foul in TM Wag Sheet =Ch piss th m gn ppwnNoudy d.pd.ad to you. snpea wW W ellectlw m the fine day of your Nang period rnwnd by Yaur pniodc at+temart L= In dire rondo January, Apdi, Julyy end Otnabe. c. If de code D IPdme), F It-mo. LIBOR) or O 13-mo. LIBOR Repriced MomNy) and A PERCENT pposn on dire dash of your alnenred sea re do palodc raulal, rhoAGE M po gc?yes cotteaoandae very nlaahly anndd mraV Increase or decrease based on the haled indices, as touts M rho WAN Shser Jburw; plus the min promosly disclosed to you. These Ch+rhq++ vA be st,.= on the Am day of your being period 4. Ass•sseme of LAN, OvaNadt aid RAmise IF Your account will be assessed no more than ssb listed hen tint scour tkxlnp ssY Nskq period. hinder the terms of your cnmran aprossme, wa reserve the right w waiw or not to assess any fees widma prior notiacatbn to wfthan waivhp our don to assess the same or similar n a bear time. 5. eppean an Yaor Aeseu t. It a membemdp fee the from of this stmenaa, you hw 30 days from the dine tN• statement sews Nod to you to avdd wykp the tee or to hew such fee credited to you it you ranch you accprnt. Dudes NT riod, you m+y contMss to use your eceount wNfrea Np to pay the msmWnNp fee. To caned You ace0ud, you rust ant ar ? fin ysbVu r-Belsnce?fiN baJud?Me msmb =P lee) prior ro the end of ore tinny-day period. a. N Ysu class You Asssasa. You corn request to dose yyouaur accesses by CNlap our (]-tamer Rabtbss department. You mual destroy yon credit tale) and accanl access oracle, caned aN preatmodaed Wins, and cease hake your acceunt. It you do not Cnrcd preauWd led rep enarhpssharns, we will consider receipt of a chrge you auNredaatlon re reopen your account. Additionally, Your aecenra wit ran be dosed sins you payyou all ==d==%-'7a- due o fees, , aved tmit fees, roamed saes em fees, , cash advance tees and shy odrar less assessed to your I=. You are reap= for these amahaN• wfhedrer thy ¦ppssr on you eiceWy ere I ahrn st tin tkneSourequest to to dour dose the C1 or n. This os may ay result in request 10 er doe the recount dharta• steeathe an voter sCCOnt after vou hw if You Wind=f Ma alnsdyfmm s td end v e a, receive the trarssCNbn tarn the meminnt after your account has bass dosed, your accerra will be reopened, the amount of the dorrgQss wW W added ro your exaun, and yyoouu will be rospwmWe for paymed. It then la a nhseasrW* fee for you stoats, the fee -A continue to be cMrrqad,? to tin ester rmftad by law, rem dire aeeaaa bsLnea ht been pals M full ss deMred above. 7. r M wrmecdon wYNh??,tor ? t be trseasnbss. 8. IMNa Mwa slasaetda it aay.si.1. When you provida s check a payment, you aulredee ss either to use inlomratbn from yea check to make ¦ one-false electronic find twrraiar host yea bank erxrerre or to procew 1M ppaayrrlaa as a drsek t=ill :c When we lap kdomratkn from yax creek t0 make M dearodC hand tranbr, tuhda may W rdtlxkavwn host your bent eceennl ss asst as the same day we recsiw you peyntem, end you wW not rocdw your deck beck ham your flrundal MnhWm. BILLING RIGHTS SUMMARY IM Can Of Enron Or Guwtl" About Your BIN) 11 you drink your bill in wrap, or if you need more informed- m a transaction or bill, write 1. sea on a separate sheet a soon ss posslale at the address for Mguldss shown m the ham of tins nnernent. we man hear from you re Inter Om 00 dap after we sae you the firm bill on wfdch ale arose or amber, bat s+kp a problem eppssred.o Y wW ou can Mladars rm call tea Customer rsssrw Y+t+ 20%. M yea letter, pve us the folbwinp Pnle,=20 hslbn: yea ssare and accent n -l-, the dollar assts of the +nr+P+otied , a dassdptlon of the error error and se nplassNan, 11 of you 6elbw then is n enter; a if you =In a dasedptlon of the Nam you ere usuro You do not hew ld pay any assts M ion wftNs we are MvastlpW-p 11 you are stW M. to pay file pens of your NN .but bu are not in grnation. a we krwsiioate your grsstlon, we cannot report you es dalknpren or take any ends to cribs the Amont you qua on. t,t Special Rule For Credit Ca, Purchases If you Mw a problem with the grslHY of property or sendcess dm You puchssd wide a credit ca, end you hew tried In good min to correct the pea6lan vrllfr the merchrn, you may days the rfdht sera to pay the renaMnp amount due on the property or serAces. You Mw this resin aNy vdherh tile se was more than >50,00 and the pwtluse vw• me in your home Hate or nitldrn 100 miles of your maanp address. 111 we own or spare ore merrhsm, or it wa ma led you the edvenl•enma fen the property or serAces, all purchases ere cewred reps'a of Ampm or dutlon of purchase.) Please rn-aMer to etpn all cormspendarree. t Obey nor Apply n carrarnrrar man-credlr card --Cr t Does rot apply to b-aness seen-credit card ac--ht CadtN One agarrabgMdmstion privacy protection: see our . at Cr=1, brier epMV service mark of Capital OCagreratbn. I rights reserved. + 2003 Capital One 01 LGLBAK dire blNkp pedal, wa apply tie d By periodic rate for each sepses of yore aecam to tin dall_yy bebrrce of each sepnant. Then at the and of the Iaarnp period, we add up the rowan of these del dbulatiwa to a,w at yarc pedadic fhanoe charge iw qah •epment. We add tq the resale fran each =am to s,w at the net periodic 9osnce Burps for your etsrohrn. To get the dapy ba?bec?a === accord, we take tin Wpmrp and add any new treeseNOss and any periodic finance dupe nkr/atad on dire )xavlous days balance for dw sepnap. we tires stbtran any p+yments w cesdits posed s of drat day apt are aNocated to the sspmwrt. This piwa v tine separate v balance N. sedr :Instant of your accent. However, v you he haw e.lerrce ahven on your provide statement in for it your new balance, wee zero or a credit amount), new trarsanlon wNrh pin ro rmadded to the Yore pumsse or apedaldally bamcea mrdrase sepned• pro . We celculste Ms aweTn da balance by addrp aN ore daily balances tap,har end di tie nary by the number of dire dap In tie harem bMMep cycle. To cekLlste your torsi 9rrance curse, nndtl your awnga daily Wince by the daBY periodic rate and y th mntWr of days in Hre bisirp period. Due ro rourMp an a daffy b= tlhero may be a allpht wdaneo Wtwesn aria cNculadm and the amour of brarce Wrge aclusNy assessed. b. If He coda Z a N appear on the toad of dds natemert cext to 'Bsiarce Rste Amlbd Ta.' we multbly the 111125 Important No*w: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. i ` ;rd 034-0502 C'Qne• 1K Account 59rnrnlarv Previous Balance $3,337.54 Payments, Credits and Adjustments $140.00 Transactions + $101.50 Finance Charges tram New Balance $3,353.07 Minimum Amount Due $100.00 Payment Due Date August 19, 2003 Total Credit Line $3500 (Non-Kmart/Cash Portion) $3,000 Total Balance $3,353.07 (Kmart Balance) $428.03 (Non-Kmart Balance) $1,349.20 (Cash Balance) $1,575.84 Available for Kmart Pluckiness $146.93 (Portion available for $74.% Non-Kmart/Cash Transactions) At your service To all Custome Relations or to report a lost or stolen card: 1-800-830-7524 Send paymmn to: Send inquiries, to: Attn: Remittaoce Procesin8 Capital One Service Capital One Services P.O. B. 85184 P.O. B. 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 JUN 20 - JUL 19, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 to JUL PAYMENT RECEIVED -THANK YOU $140.00- Transactions 2 25 JUN CASH ADV. COMMON WEALT HARRISBURG PA $101.50 3 19 JUL CASH ADVANCE FEE - -FINANCE CHARGE 5.00 Finance Charges Plemesee revnn ri& fw important isfatmasttsonn ?j Be/ tt+efe i?ir C ad y? ? ep/ c gvlte ra rat, R Vl'i KMART PURCHASES $437.04 .0480891 D 1755% $6.30 NON-KMART PURCHASES $1,37758 .04808%D 1755% $19.87 CASH $1$8458 .04808%D 1755% $22.86 ANNUAL PERCENTAGE RATE applied this period 19.07% ? PLEASE RETURN PORTION BELOW WITH PAYMENT. Oel 0000000 7 5307582077035141 19 33530 70140000100000 New Balance $3,353.07 Minimum Amount Due $100.00 Payment Due Date August 19, 2003 Total enclosed $ Account Number. 5307-5820-7703-5141 Pine pane madind al6ra andw a-matt charges brdoru wing bin or bluk ink Street Apr. k City State ZIP Home Phone Al-su Phone ! #9020142891197326# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD n?^ P.O. Box 85184 1111111111111111111111 o, 2522 ROLO CT ? Richmond, VA 23285-5184 ! MECHANICSBURG PA 17055-5898 ?nr???ur???un11h.1.h.IIIgill igill 1111111111111111111lill Please write your aemunt number on your cheek or money order made payable to Capital One, F.S.B. and mail in the enclosed envelope. I- newness 9 M O m N fa. Grew Pstlad. You will have a midmu t grace period of 26 days wNhaur Name ch.W on new purchases, new hdarhw transfers new apedN pwchwee end new rues ddrgm If you peV Your total 'New Balance', r e aou Milt Ma knpomrd N byyoatkeur far noes payments gatone mem and d In M th tkrre for it ro ha creM m rise. Thera b w grew period m cash adveroea tremectbn dal tramfen. M add0an, then b w gnaw period 2 if you do not peY tlu teal 'New b. Asartima fkhwhse Omega. Tnmactias winch arernout trarmmtherod?te of lheetr?ertaee tams 2?1 1 om the rs the l transaction is bates ad to your Arxeun or 31 from the Adddadpy, NM =day" te tuner Bal NRnp ptoe it e envies 1_yopay he 'New ance irarrm th b14 period in full, stance csrgee codnre to accnre to your opal= balance until tha unpaid balance is paid M full. TNs mean that you may am Duce Nuance r.Thargm, even it y pay the e=re Now Bsbrace Indoatd m the tram of your aawnam by time esq stateman doWhg data, but rid not do w br the pnvlaw mash. Unpdd Manse oherges aro added to tlM or each tl of your Accent. smimt. t c.m FMwww661bac.. . Fo sa=t bWlttg perod that Imurn tad FINANCEet7IAAt mf 460 be?mpowdd ll It, total Irene clangs horrh the • wtlan of year Pentacle Ms(s) M Ian 1Mt 1460, we wIN subtnm that ammsrn from the 460.50 m =mum and the difference will be haled m"1R ?yas t d. to no man t inCbao res. We rewrve it. OWN to mien not eases or W Mertce ehsrgn br any given Nrtg ppsagcloyd. k?ak _ 2. bll a. R?w ro eha seeaealalaled 6v mMlldWq the daily ppeadals rate. To obeM the average dsgy talents fen the NNkq ppee=ed covered by rib aetament, we take tls beprnng balance of each fegnwn sach day, add why new transactions to each segment, and sabred -V ilea enm or credits. III the code N appear an the hen o s statement nest to 'BaNrtes Rate AppNed To,' we also aubtrad any unpaid NthaNfy sharps included In the balance 01 each 1 TIPS gives u s==for dof aepnem. Thm4 wa add up NI the each se(pneru br tls Wl:: pp??r?bd and dWde by it. tad number of ay. inth a1Mtp period. TNs gives us the avantye daily Balance of each sepnent. 3. Am. l pmasrsp Ran. JAM I. a. The term 'Ancstl Peroebage Rate' may appear as APR' on the from of tlns statgnwn. b. It the code P (Prima), L 13-mo. UNOR), C (Cerdil ate of DeposXl, or S IBentuard Prirro) appean m tha flan of 1Ns stneman rest to tlo pdodc ratabl, the pedodo term end wrreepordrq ANNUAL PERCENTAGE RATES may very puneriy may it.-- m dacreese based the stated khdem, as sand in TM WW Street ?orand, plus th=== '..I. o you. Thew chsnms clay of your bNkhg period covered by Your periods sutemem eMng b he madha Jenury, Apd, July ad October. c. 11 the code G Gane), F ( -me. LIBOR) or O (3-mo. LIBOR Reprkd MonWy) a an on the had of your aaemem nso to tha psdodc ra%K the pededc ram and wneaporhdnq ANNUAL PERCENTAGE RATES may vary mordhly ¦ eery Increase or dac rone based on the aced indces, n fisehd M nee WwY saeet.7lorn4 plot the m ha e b+rvie ? Hue nlr ed toofyau. These dueness Ima each month. Y Your MNktg period 1 4. Ansaaata '&I Lab, Overseas ad Relumad Pavomost Fees. Your account vest be assoasd me mm Uhwh two of the lees IMd here the occur tkektg any t bl,we resarn tha dMq perod.finderyethe ams of you artarrhar agrearrent m waive or rot to asaen any fees witiout dor rodlici tbn to of .. nvk g our right to assent the mote or =miler at a lea time. 5. Year Aens d. It a membership in =a n on clue front o1 tats gaelrlam, you have 30 fran the dab the Ratwttelht wes retied to you to avoid paying the be or to have each tee credtd to you it you taros your accaan. Duhhp tfb period, You may cerhtme to um Your exam Mthau havirhg to pay the membenNp lee. To ceaca Your our atxnud, you meat srry us by -ft H nc r Rdatlars Oapartmem ad pay your - 'New Balance' in in fie tezdudrhg the tbny-day pedal. membeMmip in) prior W the oM of the 8. if Yea Claw Year Awsara. You eao Mena to dose Zaccross by calling on Customer RNstlarr rtmem. You most destroy your credit cord(m) and accent access docks, caned sal pmstAOrizd billing, and cease uskq your sewhrn. It you do not cancel presdhdrd Nng srtargemana, we wtil tam=er f a chargyour eutloOrdon to =OA . ddtlorsNy, yaw accent will not be closed hmM you Pay alb .mesas you owe us khdudrp: any trane-ism you have eudorkd, straw charges, Pea due fees, ovedndt bee, round payrrmwht 1ses, cash advm m fees and any don bee assesed to T", accoud. You are respaslbb for dtem smrroudtan your acwUd at the rime you nepost to ,%,= they an tamed suMaquad to your nearer to dose the accent. This may reset in ehargm aPP-ring on you savour after you have your account if It Ms already, boon dosed. For exempla, if you eahertz a purchabarse ham a meroharn and we receive the trermctlon n the -mithent efim your accent has been hywed, your scrams %I ha reopened, the amount of the clsrQy-wW be added to your savant, ertd yyoauu Ms be r br payment. If there is a to to be flip fee /m you swam, tin lee wf1 radnue be dtarggsdd, to es e painted by law, des the swam brrlirxo Ise been pdtl in kin as defined above. 7. Uskta Yed Meedt.Your card or accent cannot be used in connection wkh any Imema gambling tnrmdk , 8. NMiw AMuI Elssaaris OarW Osnwrsisn. When you prevlde a dmsek ea paymem, you audrodre us ernes to cm Mbmstbn }ran your cloak to make s as-time abchantc fiad trarsbr trd your Dsndc account .11 o process do peyrmem as MCk rants ction. When coo use Mferotbn from your check to make an electronic find trsrotor, katda 1stmay be =ram from your bank swam en soon sa same day we mmIye yyoouur payment, and you AN not receive your cheek hack front you r kmrhd.1 Irnmudon. BILLING RIGHTS SUMMARY On Can Of Firon Or Ohaakns Abort Your Bel) It you 1Mnk =r. wrap, o if you need mom infamnkn bll a 6N1, unite to us m e aepadfe sheq so saes m poseafe at the address for irhgtides blown on the front of tlW Stationers. We must haar tram you no Later than 80 days after we wm you the it. bill on which tlro emo a W W- appeared. You can ceg our QMamer RWtlas marmMr, but doing ac MN not =Z-=eve n N d apCOl?i?n=r,ee d= anmotm of the shapected error, a dast:riptkn of the error a an n an n you 8 Possible, d wkyy you 6diey. there ie error, or yo it H you nsur mere Imo You do do iii a d tr:W of iha Item you are issue Wand. You rtesµhahpve to PsY MY amorm InA wale we are inwgipatlrq it, bur you am stN to pay tin pest of your bat that are not in question a we lne yen psalm, m cannot report you as dakhprwht or to any action to tolled the anent you gusalah. t,t Special Rule For Credit Card purchases It you have a problem vdth tlo pasty of PropenY or services shat you purchaad MM a credit pal ad you have tried M =sariyhave h to cenract tin you wdh the merlon, you eas 1st r(gM not 1 t. o pay the remaMng antoun due m Me pmpssty or seMrm. You have Ws raeclion ad Mon the price $50.00 and the puninse wawa sends M your home shad or vONn 100 rakes of your mailing address. 111 ore own or operate the merchant, or if m maNd you the adverasmmt br the p try or servlws, eft purohesm are covered regards" of amass or loedw of Wrckese.) Please remember to agn NI cmrespaMsttce, t Does net appiy to consumer mor credit cord accounts t Does not appty m b.6- non credit card accounts One suppons Mtomadon privacy protection: sea our radstered service mark of Capital I rigbs reserved. a 2003 OILGLBAK pnrkuNy dsrJO ad to you. At the end of each dayy du tihe biNkp psrkd, we apply she dally perkdc Me for ee sseshsrd I e t tha emiMt of the th daily ?? of each sepnest. hNing peril, rue add up the rewem of time dNy ralnlatlors to stove at your dodo sesrxe lhs for ae{Fnere. dd up = hoot each sapern ro achnly. at do Mai Izr rsrhce clangs kx you eccam. To gal the dally bola rot ==W-1 for rah seprmmht of your acwdd, wa uke tha beprwng balance for each segment ad add anyy new rranmctiars and any ppssdodo iksrhce rdsrye celcmnatd on the previhss day s bsferos for that wpnern. We =man Mrbima any Psymants a credha load as of that clay that are asocetd to that ss(pnest. TIW given us the sepente cagy bebnw for mch egprrarn of your eccehrht. However, X youp? d the New Beknc?e blown on your previam gatement In ksl (or if your new Oalarxe avsa rmo or a credit amount), row trarwdiaw watch poq to your purchase m rpedal purohaM aepn . are col added ro tha da1I bNarxes. We elanete the avmags degyy balance by addnp NI tha cagy bids. tagsthar ad dviding it. X. by tha rnenber of the day. M tls curarrt frwMhp cyde. To calculate vote total Nrurra Wr(p, mull?rlyy vowtheember dedy bNarInthe s hce by lithe dN Y pedock nn end by averageWday hiNkp pedotl. Due to raMrq m a daily beau, there may be a sNgb variwxe between Ms wkulafkm and the amaan of Nrsnce cfrrge ectwlly eesexed. b. If to code Z or N appeen on tlo from of tats slatomem nee to 'Balance Rate Applied To: we multiply the 110925 Imporhnt Notioe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelops, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. r , 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. I 034-0502 I C.a1Q GOLD MASTERCARD ACCOUNT JUL 20 - AUG 19, 2003 5307-5820-7703-5141 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $3,353.07 1 07 AUG PAYMENT RECEIVED - THANK YOU $100.00- Payments, Credits and Adjustments $100.00 Transactions $153.00 Transactions Finance Charges 161 19 New Balance $3,46715 2 21 JUL CASH ADV. MP HILL CAMP HILL PA $22.00 3 21 JUL CASH ADV. MP HILL CAMP HILL PA 102.00 4 22 JUL OVERLIMIT FEE 29.00 Minimum Amount Due $104.00 5 19 AUG CASH ADVANCE FEE - - FINANCE CHARGE 10.00 Payment Due Date September 19, 2003 Total Credit Line $3,500 (Non-KmardCash Portion) $3,000 Total Balance $3,46715 (Kmart Balance) $426.04 (Non-Kmart Balance) $1,342.93 (Cash Balance) $1,69818 Available for Kmart Purchases $32.75 (Portion available for $.00 Non-Kmart/Cash Transactions) At your service To all Cwtoma Relation or to report a lost or stolm .a- 1-800-830-7524 Send Parmeoh to: Send inquiries to: Attn: Remitumm Processing C.pitai One Savior: Capital One Sevim P.O. B. 85184 P.O. B. 85015 Richmond, VA 75285-5184 Richmond, VA 23285-5015 Finance Charges Pleareseere ieridejoriaports ntinfor matio n Bd isk r..r` ° 1me m °f KMART PURCHASES $427.61 .04740%D 17.30% $6.28 NON-KMART PURCHASES 11,36199 .04740%D 17.30% 120.03 CASH $1,69160 .04740%D 17.30% 174.87 ANNUAL PERCENTAGE RATE applied this period 21.08% PLEASE RETURN PORTION BELOW WITH PAYMENT. OW 0000000 7 5307582077035141 19 346725010000 0104005 New Balance $3,467.25 Minimum Amount Due $104.00 Payment Due Date September 19, 2003 Total enclosed $ 1 -1 Account Number: 5307-5820-7703-5141 Pl-pmt mailing aJbra any a-mail rbmsg, JW wind hiss or blerk ink Sneet Apt. A City State ZIP Home Phone Alternate Phone #9023242891197321# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD 2522 ROLO CT P.O. Box 85184 1111111116111111111111 Richmond, VA 23285-5184 MECHANICSHURG PA 17055-5898 Please wite your account numbo on your rhak or money order made payable to Capital One, F. S. B. and mail in the enclosed envelope. r 9 O r N ock rate. To obtalb the average daily balance for the a riotl covered by thta nnemem, we take the balmee of weh segment each day, add any new transactions to each se or credits. Ili tha code N ?ppe+m on the cans of 1Hs at.. ned to 'Balance Hasa AppNed 70; we also ssbutict any unpaid harries dta:j IrxJuded In the balance of each ?TyhnenaK 1 TMs gives u the tally berernea of each add to for wprrem for the hilWq parbdgand divide by gm total each number of dar In the blblrhg period. TMa gives w the The ovenpe term dsNy balance of asolt segment. 3. Anal l4a'A galas Image m a. therm e' may appear as APR' on the front of this of this it t. b. It the code P (Prime), L 43-mo. e. LIBOR), C (Certificate of lopssh), or S IBankeam Prime) appwm an the from of this natonceorsre nsapttorh?to qlha pedodc natal.), the periodic raise and cad ANMIA,L PEHCENrAOE RATES may vary quenariy end may Mcrwes or deereass based on the sated kndces, as land in I Tha WaN Street Joywl, plr the nmrgln yyrovionaiy dacbsed to yes. N= champ c "r ha by you,w on Hon bsl day of your blWrhp period covered by your periodic statement endMg t the month. Jaraa y, Apd, MyBOR) and October. c. It the code D Wrists), F 11-ma. w 0 (3-mo. LIBOR Repriced MmnMY) ppsam an tint trt»t of your nstarynt nstt to the pelbdc rerelsl, the periodic mw and corresbortd ANNUAL PERCENTAGE RATES may vary monaiy may I--. a decreaw based on the mated indom, as found in TM Wee Sewt Jaaw1, plus dm margin pmNmarly disclosed to you. Throe chin p wig be eifectlve on the bet day of your being period each mash. d. Ammumm s of LMS. OveramN and Rakwmm IS imserm Few. Your accent will be assessed no mom than two of the lees limed hem that oct ur during any M period. Urdst the tams W your cutomer agraeman won rossrve the right to waive or not to assess anal less widmut prior notification to whhon wNvinp au right to assess the wee or similar ass st a later tlme. 5. Y- Asoanas. If a manbarsip rem appwm on am tram of this ataterrmm, you have 30 day. fmm tha date this mstamem was malbd m yes to vold %=the '7a a to have ng 0 be ridted to you Egi it you ncel you eaam. Outing aim period, you may continue to ram your account without hating to pay the membership tee. To cancel your accent, you nun notify us by cstlMg our Customer Relatlaro Depenmom ens pay ywr'New BNstax' in lutl iexdudrmg the membe. tee) Prior to dm ens of tM tNrtYday period. 6. n Yeu class t. Asssnasi. You can ragimst to close cccus by cm ftZ our Qraner Ralatlae Re nmam. You ror yourp credit eadisl ens dretroy blWng, nt access clmcb, tamed all reenmlmdzed aM tease tai a¢am. R you do rr ream prey .-rqngywearnnpemma wa will canNdesr recalpt of a tdwrye M4 darintlon to reM=1 atxvAam. Addtbnsfir accent wins noumq yourayycalou w a ahamams you owe hr ymenMduddnq: any due 1 a returned c pent duo hew1 , overiink few, , returned payees fees, , cash advance fees and any othar /sea =.v", to scant. You me rempami6le for s they appear =,, accarant at he done you request 10 clove Ma acthat' ere inourred subssgmm?t to you r request ro dese the accaam. TMa may mesutt in charges spkroaring --Yom account after you Mve your account it it Me already been closed. For example, if you sutlmri:ed s ptechar from a merchant and we receive the,nnssctlon flan the merchant after your t-h. has been dosed, your access WI ha reopened, the emaunt of the du?gs will ha added b you account, end yyo0u11 t *N be responY6b 1. payment. It ft.. I. IIIe111befa* tee for Your accant, the fee will continue to be derged, Ic the efapn permitted by law, until the etxxuant balance has been paid M full as defined above. 7. INkro Yav Mwrnl,Yau Of or account cannot be weh M oavuctbn wins wy knertmt gambling tnnsadbm. 8. Nstlw Abwa flsaeani famasR Osttvstslss. When you provlda a deck fie payrrmrrr, you srdle&a r ekhar to use idometim Inn your deck to make a fie-tine electronic fund transfer 1mm your bank accent or to process the payment as a deck transaction. When we use lnf.or n from your deck to make an ebctrohic find nansto ofads maybe wltldrawn ham your bank account as soon es the mare day we receive your payment, and you IN rum receive your deck Deck from your financial institution. BILLING RIGHTS SUMMARY fin Case Of Errors Or Questions About Your Sill) It you WMu Your bill Is wrong, or if you reed more Inrometlon m a tmnsadbn or bill, write to m an e Earn, smut as ram ss possible at the address for Mgnides sewn on the from of this natelllea. We nun Iran from you no later than 60 days after we sent you the firm bill an which the error « problem appeared. You ears eau our Customer Rata rwmnber, Orr doing se wla rat wressrve yew ripAta. M :n=, gale r folbwinp bmetbn: your nsme ember, the ddtar seam of ih stermctf =." of you ed anon, a daacriptbn ei the eror Mum ens an stplstytbn, i believe is an error; or If you reed more Mtamatbn, a deacripdan of the hem yen are users about. You do rat have ri pay any amain Mqnmst Ion wham we are Mvestbsarno it, but you ..*III obfiss1- to pay ins pans of your half that are not in question.l a we Ina your question, we cannot report you as ddknpent ou to any eo lon to collect the mount you Rsealon. t,t Special Rule ror Credit Cad Purchases If you he- s problem with the gwNty of properly or seMCw than you purchsasd wins a cndt cerd ens You have tried M goad Vrehahhve a the nest correctrINM 1M pto pay ropay wins tint mendrnt, you ma am mmeidnp amount due an the ptapsrty or services. You hove tide Won odV when the uuNmwf d price was more than M ins parchurn made in your home stale or W maw of your mNNng a klmay of we own or operate Me merdnsnt, a If urn eased you Hon adventaemem br me p rry or services, all purdyses cared regardea of anent or location of purchase.) Pkase rerrmmber to signal correspondence. t Does rat apply or consumer nos-credit card acc«nte t Does not apply to busoeas non-crofit card -,tars, =I One suppons Inbrmatim privacy pmtec on: arm our to at www.capitallone.com. Capital One M a federally registered seMce mark of Capital Ore Rrt ndal Corporation. All rights reserved. a 2003 Capital one Ol LGLBAK ter. Or- Period. You wal Mw a mWmun grace period I 26 bye =!% nm here. on new purchases, new balance tw special purchases and new other dyges If you ry your total 'New Balance', in accedsnee Wt tM Mtponamdby yaw Nortke rornepayments babes, and in If br 11 ro be cradleat netemant dWrnp date. There is no gram period an cast advances and spetlsl transform. M addition, there is rat grace period an any !ms cdon If you do not pay the ford 'New b. .' b. Asaraiug Fkhees Omrgs. Transactions which are n« at8jau1 ro a pace period em assessed finance dully 11 fmm tint date of the lnnsactmon or 21 from the rime tha [rarvaactbn is proeassed to your Arxxurnt or 3) from the If edandsr daY of rite usurer' IrNNnNpe Zd. Addtiayfiy, itpyouu rid not pay the 'New Babrce' fnrru the Droviou; belmmq period M ktfi, hrnee dyryss ccntimre ro accrue to your unpaid belstuce uhd thauapald baance ra paid M fill. • means amt you may etal owe Nnence charges, aver if you pay fie make Now Balantee IMCSted an ft trod of your Natanterrt by the next statement dosing data, but rid riot do so br the proviam month. U71d 6nsnce charges son added to the segment of your Accent. t c. ? F..1stq . For esdh Ir period thst account is se tall RNANCE CHAAGEtof $06 60 will be Im a da?an npoesd. If the total finance ) -uftft hem the awillo -9- of jr radc rateU) is br than l0 60, we srbtrem that smronnt from tine 00.50 mh*- and the dfrensnee will be Used to Ms peaches se?rnstt of r accam. t d. Tae*stary MdlsrlYn M Fines 41rge. W. reserve the right topsndootdassa a my or all Mane charges for any given DYF Mlwse IYtwia fNw Nshsssal. 2. A= e. fmlmee Knee of Xh b sspmwm of cNnx of y your amount t the dally eash of eac (e.g., advsnoe, pwMsse, spsc"1 hansbr, a if apeWI pwcMss) by th coreepardrq dally periodic ralepl iMt h been previady dstdossd to you. At the and oof each Gy du the Wilk riod, urn apply the dally pardic rate for w f each =. of °youu etcetera to he tl?_y W ," owe Then at the anM of the ssbq period, yoaudd up m. -at periods sbynee charge for eacha aepoem. We add up the reedits from each segment to arrive at the tool petbdc firnenea cargo to yew eccchan. To gat the dally be ante far each segrtrn of yaw accent, we aka the bepmkp balance for each ssormstn aM add anYy new transactions and any ppeeAOdc finernce drgre cal ad an the Previous day's Wlartce br that w= We then strbtmm arty payee=s « cmdta ponied fie of the day that are 1""d m the sepnem. 7hta picas r Me separste dally balance ror each sepmem m your atxoun. However, i/ yes psld the New Balaton sawn an you pre Now stnesrH M futl I« it your nsw balsnnce row zee or a credit emoum), new varwcbns wfmlah yon to your pumchass or mpetlel the dally balsrues. We purriyes segamahu tirodell isietco nil added tobyaddog NI th daily pea=.: th average he days ,1 1hr and dv?dtq the eye by ih number of ih days in tine current billing cycle. To ralwlme your twel d Nig o riod Ours b pedodc rate and by r the number r ofidays In the by pe raudtq on a daflY bass, arm may be e afight variance betvvestn rids cakdaaon aM dire emouam of Nnarme dmrya actwNy assessed. b. If the code Z « N appear on the front of this statement next to ' BNarrce Rate Appfiad To,' we muhlplv that S736S Important Notioe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. 034-0502 CW MAW' Account Sumonsav Minimum Amount Due $101.00 Payment Due Date October 18, 2003 Total Credit Line $3,500 (Non-KmardCashPortio n) $3,000 Total Balance $3,36757 (Kmart Balance) $416.55 (Non-Kmart Balance) $1,307.40 (Cash Balance) $1,643.62 Available for Kmart Pur6aex $132.43 (Portion available for $48.98 Non-KmardCash Transactions) At your service To call Customer Relation, or to report s loci or stolen c d-. 1-800-830-7524 Send psymenb to: Send inquiries to: Attn: Remittanm Processing Capital One Services Capin One Services P.O. B. 85184 P.O. B. 85035 Richmond, VA 23285-5184 Richmond, VA 23265-5015 Previous Balance $3,467.25 Payments, Credits and Adjustments $150.00 Transactions r $.00 Finance Charges $50 12 New Balance $3,36757 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 Payments, Credits and Adjustments AUG 20 - SEP 19, 2003 Page 1 of 1 1 06 SEP PAYMENT RECEIVED -THANK YOU $150.00- When you send us a check, you authorize us to make a one-time electronic fund transfer debit from your bank account. The transfer will be for the amount of the check. You agree that if a third party submits a check for your account, that individual is your agent and was provided with these disclosures. If we cannot process the transfer, you authorize us to make a charge against your bank account using a paper draft. Finance Charges Pleme ra rn se ride for important nrjarmation u, B,vneree !ter Co % d E ? yrlvdro rue PR O1 WART PURCHASES $421.97 .04740%D 17.30% $6.20 NON-KMART PURCHASES $1,32758 .04740%D 1730% 119.51 CASH $1,67450 .04740%D 17.30% $24.61 ANNUAL PERCENTAGE RATE applied this period 17.30% PLEASE RETURN PORTION BELOW WITH PAYMENT. Capftwow 0000000 7 5307582077035141 19 3367570150000101009 New Balance $3,367.57 Minimum Amount Due $101.00 Payment Due Date October 18, 2003 Total enclosed $ Account Number: 5307-5820-7703-5141 Pr.re p.iat madi a adbea any a-mail rhmr6es be/me? mild blue or bLef inE Snset Apt. x City S." ZIP Home Phone Al.-, Phone _ #9026342891197326# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 2522 ROLO CT mat rum ? Richmond, VA 23285-5184 ! MECHANICSHURG PA 17055-5898 ° _ 11ItHisIII'I11111111111111 ifIIIaIIIIIaIa[mI II loll 11a111 Pleare write yow aaoant nnrnba on yow cbak or money order made payable to Capital One, RS. B. and mail in the a Iwed envelope. r i » MONSOON i self a? f>• M M i 9 O N TS t s. Q see MM. You will hew a minimum grace pedal of 26 days wisher flrarhG du an "w puduses, new hahnce trmalen, new spedN pumMsp and new a0rer clurg" it yao pay your tatty 'New Balance', In amOKI.- wIM the hrportud Notice for payments below, and M dime fa it to be credited by your next matemam doNnp date. There h ro pace pedad an cash adwncea and special tremlen. M addition, do ay1 the Ino "race perod an enY trareectlon It you rat pay dsi 'New hahrce.' b. 5r- a l7trpa. Tnn"cdaa vuttiM ere not site o tin trmaedim oar 21d1fi re Ust=the) Dsraactlen la prateased to your Account or 3) from the fpm caias,sr day of the aurerht hiINOg Add irm Y, a yyaou dd not pay the 'New Bahrrca• rort the previous bin rY q p tO unpaid pax upaW rasa pus a morans eMd that fib You 1Nhenc?e my still owe ImarcI, charges, a- if Tile ay that yo tan owwe b balance e indicated FF"fr aver it you seep tDe emir New od store meatt t tad bns the hen of your Natemarhl DY the s. ord. m rid i date, but did not da se 1w tie previor nmrth Unpaid thanes drry- are lli to tin app 1 ""sent d your Acoant. t c. AiYwm cc u I is tirpa. fa each hRbrp period that to a fnarrce chorp, a miNmum yon ascot nC is tatty RIMNE of 10.50 will be Imposed. If the trial truree Bu l rge rewq flan the aoollcarbn of your periodic h la" thin 10.60, rw will subtract out amour Dantmelethe 10.60 rr N end the difference will be Mesa to the purchase seprar?t of your account. td . Tee?arsY Raeraast le FMaa Came. We reserve the ddrl topsnadodone" my or all fit.- charges for any given 2. Awreps OaBy 41aaa IDrMrtiM INw P1raIwH1. a. Rance drams h wlaNated 6v muDiMvke 1DO MNv ppeedocic rate. To obtain the awrage daily balance for the billing psdad covered by pia matemem, we take the Oeg np1 balance of -dh ae0mem each day, add any new vent"cdar tFi each sefirrow, and subtract any payments or credits. (It the coda N ep= an the from of this Nnemem nett m 'Baance Rate Applied Ta; vue aho subtract any upNd fnsrrce dupe inducted M the baance of pdu setarem.) Tile giv- us tha daffy belarce of each 3. Annual Paraetspa Rates IAFRI. a. The rem 'Amual Percentage Rate' may appear as APR' on tin from of this statement. b. If the code P (Prime), L 13-me. LIBOR), C (Certificate of two Deposit), „IBcertn m tmeppriedo lc rp-iteW the Ded?odoct rat- and cerreaporh0rq ANNUAL PERCWIj 43 RATES may varygusnedY aehndd may Increase or decrease based an the mated krdlcea, as found M TM W.# Supt Jaunty, pint the maryln preNarslY dadGed to you. These du wIN bee w an Uhs tent daY of your bIll. parted mwnd by your pedodc rtad eMrp I. the maths Jantsry, Apd, Jcy? ors, October. c. If the code G (Rime), F 11 LIBOig or O 13 mo. LIBOR Repriced Men" ?pran on err ham of your Naternent next to tlhe =Fit the padodc and caneaporvfrq ANNUAL PERCENTAGE RATES may wry rrhdnMY arnhddmaY Inc- or decrease based an the tined Mdcas, as farad M The WsB Stmt Journal, plus the me preNotrsiy disclosed to you. Th-e change will De ellectlw an the fm My of your billing period each month. 4. Assessment of Late, OvorNrrN sin Rshimeal PeYraat Fa-. Your accam we be -led no man than two of the isec listed here tint emu during arty MIMnp =U the temp of yen orelorrhor spromenL we the dphl to waive or not to assess any fe- witlmn yrler Zd1cation to whhart wN*v our dght to ease" the "me or similar n a later time. 5. Ymr AssatH. It a memhenhip lee app-n rat tlr Iran d Ws sbtemmt, you haw 30 dap I- the data this statement was mailed to you to evaid pay Mp the fee or to haw such lee creditet to you If you cancel your amount. Owing this period, you may co time to use your aceaun wftleu hewng to pay the membonhip tee. 7o carrcd your account, you mwl notfly - by cafkq ax (.Leaner Rehtlar Depamnem end pay zr 'New Balm" M hN lerekrdng the membenlep ksl DMr b the eM of tha tNny-MV Dedad. 8. N You Olsaa Your Masai. You Gat request to dose your utr account by ceiling our Customer Rdffl txpatmem. You mull door your Croat calls) end ecGtas ecce" cnecka, GncN ail prearNhodxeit his end cease rskq your accent. If you do not canc?N pr-ahedxed Millis" anargarrerhtf, we wise corridar eceipt of a charge you autlerixatlan m raapen your errant. Addtiaosly, Your amain we an be dosed untB you pay ail amaeas you owe us inckolkq: any trornpcdoos you Mw suNedted, Mmes charges, pain dire fees owdknit firoe, resumed WYrrnerhr Taos, Gail advance le" and any other lees ssse-sd to you ecocaine. You are resporWble fix Muse amants vthather they appear an your accoun at the time you request to clop the account or they are incurred subsequent to your request to dace the account. This may result in dtere0a app..dM on your account of fir you hew your accarn it N aMpu adyironbeena mardun clesed. forand we it you eudetrain example, rxNw the Immolation ec1moh it* tsm after your accent has been deed, your account we be reapahed, the amoten of the charQe?we be added to your amount, and yyoouu will be respahmore br payment. If there I. e to be aitp fee br pu secant, the fee win tam t e to he claraad• toIra the asern "emitted by law, until the ccaan area been Paid in full p deMted above. ,on 7. IlaktNMmsect Ywr .:mm1 YOur card OF ecm" Gram be whh any Mtemet W.NWp trom.cti". B. IftM AYwt Bur werA* qr"k OrxwaYn. When you = a Chack as Poll., you suherixe us eitler to me Miomhation 110m pas clheck to make a one time mectradc has, trarrisr from pur bank acmaht or to prate" the ppasyment " you e teak fin tren"dion. When wo Ud transfer, fer, from dteek lons to make m medmac ler, finda may be =rawn hen your bank accent Payment, noon es the acme day we me i- you not receive your deck beck Iran y-, fin 9-rhdN and yw udan. your hrtt BILLING RIGHTS SUMMARY (In Case Of Erma Or Quondam Ahern Your Bill) It yco think pu bill is wront or if you reed more Infemetan m• tormuclhn a bill, write to us an a separne Neel as scan a= peaaNte at the adore" for mFtd- alhoyNh an the hunt of tte statement. We mum hear hor n yco ra later than 80 Myer afar we sent you the fins bill an vtteA the error a problem app-red. You Gn call our Qmomar RNatlnrr rxnber, inn daNnp p wlf not preserve your ddnb. M yen lensr, give us the [dlovtrnp mtornuton: your rams and amore rterNber, the dNler amount of tie auupectaa error, s dasetiptlan of she error ors, an nplanstion, if poadMa, of whyy yea believe tX Is en error; a ill yen reed mare Mfomatlon, a depriptlan of the Item yw are urure abau. You do nor Mw to pay any amotm In qq?usaat1km while vye are :Olp * h, bur you ere mill aMiaated m pay to pans o1 yaw hN dirt ere nor in question. ewe MorallIopamta year qureatlan, we Genet report you act doll or talre arty actiah to cutlet tin amain you sera : I,t Special Rule For Credit Card Purchases If you haw a prohlem with the prNty of praperry or eaMays That you purdrpd wHh a crotN cam and you hew tried in good lelth to correct ft proMSm with th maroham, you may Mw the right ma to pay the remaining moms due an the p rty or servlces. You haw this 950.00 anodNty when the pumhpe "dice was more then he Purdase wp made M you home Nate or within 100 of yoW mean. eddro". 111 w., Own or :pale the merchant, a if we maMed pu the edwrtlamrom br tats p ny or esrNcH, ell "arche"s em covered reperdep of emote or bcation of purchase.) PI-se rmhanbar to sign aH corraepahdernce. t Doss net apply to ceratent r non cram card accounts f Does not apply to business non credit cad accounts Capita One supports Informatlan privacy promotion: sea Our website at www.capitalorr.c:m. C.01 I a sh?federNly re st pMce mark of Capital One ryorn on. A71 riZ maerved. a 2003 Caphal One 01 L13LBAK pm%= decocted to you. At the and of H. h Myy du III the biNkrp prorlod, we apply the dilly pedade rate for ee sepnert of purr accasht to the din helancs If -ch esprentrTM' n attMy of tha toga rimer, :=p. pt p peth franca d.W for each ea(pnad. we its r-dts imm each segment to amw at the trial periodic trance charge fix purr eccatM. To gal the MIy ha?hrrce for eeoh cteprarr[ of your emahsn, we uke the -greaten" bsWhce for each seprhmt end add my new trarwdiar and n4y pedodo hharhca carpe nlecated an the pre Woua MV'.a for that sspnem. We then orbit. any 'Mrs a cruets seamed H Of out daY ten ire aNOCeted tepmant. Tine dive. m tin sepente daily halehce lee eadn aeprmn Fill pur et -urn,,,. However, if youp? it the Balereo Hewn an purr pre vles mnanmht in k1 (or New it purr rave b=Pr s zero or a credit amour), new FreMactlaa to yaw purchase or =I-. sagrrmxs are rat added to the daWe calWaro to average dWy behnce by addnp =dally daily bslereee topmher end dvfdirp tie ,urn by tha ronber of the day In fa arrrem 61e11p cycle. To Glean. Yee fatal franca charge m your average dilly Iulctnce by the daNV dadc rate and y the nnber of days In the Mlle p P. ri wpdaancue Mo wash We cNNWatlm aodd Me amohauh? of b. N der min Z or N appears on the iron of this most: fneroa ductrps acnaNy assesse. awn to 'Balance Rate Applied To,' we rraltlgy the 91735 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five (5( business days for postal delivery. Payments received by us at any other location or in another form may not be credited the some day we receive them. Our business days are MDnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. 'C !";i ?IrI1d 034 I 034-0502 ?a qpn" 19 W a NNAW GOLD MASTERCARD ACCOUNT SEP 20 - OCT 19, 2003 MEW 5307-5820-7703-5141 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $3,367.57 1 18 OCT PAYMENT RECEIVED -THANK YOU ;120.00- Payments, Credits and Adjustments - ;120.00 Transactions + ;.00 Capital One is proud to support The Heart of America' Foundation, helping children learn to read, Finance Charges + 14R-11 succeed, and make a difference in the world. In 2003, we gathered newly $1 million worth of books New Balance ;3,295.68 for children in need. To learn more about how you can help a child make reading a lifelong passion, visit www.he=ofamerka.org. Minimum Amount Due ;98.00 Families in PA EARNING INCOMES UP TO ;43,240 per year may be eligible for low-cost or free Payment Diu Date November 19, 2003 health care coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost Total Credit Line ;3500 or Gee health care coverage programs in PA. (Non-Kmart/Cash Portion) ;3,000 When you send us a check, you authorize us to make a one-time electronic fund transfer debit Taal Balms ;3,295.68 from your bank account. The transfer will be for the amount of the check. You agree that if a third (Kmart Balance) ;407.66 party submits a check for your account, that individual is your agent and was provided with these (Non-Kmart Balance) ;1,279.49 disclosures. If we cannot process the transfer, you authorize us to make a charge against your (Cash Balance) $1,608.53 bank account using a paper draft. Avolablefor Kmsrt Purchases ;204.32 (Portion available for ;111.98 Non-Kmart/Cash Transactions) At your service To ca Customer Rdatiom or to report a lost or stolen card 1-800-830-7524 Send paymenu to: Smd ingnirie to: Attn: Remitnsee Promising Capital One Service C.pinl One Swi- P.O. B. 85184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 i Finance Charges Plemerroremerferidrfor important informatt .. m m ti Bdaa rete Rnialir C- palm v? ., N yf/rlM rdr APR liL' KMART PURCHASES 9418.43 .04740%D 17.30% ;5.95 NON-KMART PURCHASES $013.31 .04740%D 17.30% $18.68 CASH 11,651.06 .04740%D 17.30% ;23.48 ANNUAL PERCENTAGE RATE applied this period 17.30% PLEASE RETURN PORTION BELOW WITH PAYMENT. a 0000000 7 5307582077035141 19 3295680120000098005 New Balance ;3,295.68 Minimum Amount Due ;98.00 Payment Due Date November 19, 2003 Total enclosed ; Account Number: 5307-5820-7703-5141 P4me piat auilinr a/3vu an! a r-mail rhmsde? b<!mu mind b&u o. black ink Snort Ap, A Cry Scam ZIP Home Phone Al.-. Phone M #9029242891197325# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 1111111111111111111111 m 2522 ROLO CT Richmond, VA 23285-5184 No MECHANICSBURG PA 17055-5898 Please write your aetavnt number m your eba1 or money order made payable to Capital One, F. S.B. and mail in the enlaced enw1g6e. r M SOONER MINIMUM SEEMED bi O 9 periodic rate. To obtain the average doily balance for the hiShp covered by H=::n= we take dr bell sloe n each day, add eery now f- ar to each aepnar, and slblraof any peymana or credits. (If the code N eppnn on the from of the statement and to 'B*1= Ilsm Applied To; we also subtract erry upald tlrhsrhca drupe Included in the balance of each sepnsat.l Tale gives u the dally balanc.. I each aegrrrnt. Then, we add up all the dstly balances far each aepnent bra the blase p?ssrbd and divide by the 1dN nunhar o1 days lo the as pariad. This ggivea u the awraggss deNV Oaiartca of ssch wgnan. 3. AWlai Msemegs as a. The mnn " Amyl I 'APR' an the from b. It the code P IPdnx Defcettl, or S (Ben 1Ne natentenl next mss end carrasper quneriy naY very Rate" may appear as sment. . LIBOR), C (Certificate of w the stated irMOS, as toted in /lra Wes Street Jounl, piw the msr¢n pprovbtaty decbddayof to .ur These cherrp? ar be efbetiw en tlr tlnnse youyo in !2 a If the S. D IPrkn period cmerod by your pedock euteman endue de mmtlr Janwry, Apd, kJy st d October. al, F 17 pee LIBOR) « ro t of y LIBOR Repriced Mantliy) appears on the treat of your nnemreremwroonwdYthop the p) odic ram(s), the pparlode rhea very m«hMl- y ANNUAL PERCENTAGE based on the stated krtlces, as loud In TM Wea Svsst Jormel, plw the merdn proNady dadosed to you. Thess changes will be eimotlve nn the tins) dal of your Mtlkp period each month. d. Aseasarrut at We, overlies and assumed payaua Fie, Yom account will be assessed rho more than two of the tees hated here that acau Bring wy hMttg period. UMl the terms of yar rxatamer agueemern, we reserve the riggM to hive or not to assess my mss without prior notification to whiten walvkhp out dglrt to assess the same or similar }yaouss at s finer Mme. 5.TMtewihe yesfrom of IN M - 11a mach7 ixve 30 appears v t S statement was you hi you to avoid oi harp t paying he he the date ma « ilea to have such was fee e trailed erect cFs toedto you have s you cancer c your accasn. Durfnp this period. Yen may continue to wa your erxount wshem having to pay the membership bee. To cancel your atsaun, you muai and and pay il o c'NYq our Customer Raiatiorr Depemam p your New Balsthca' kit tta lexritdnp the me 'beraiYp tee) Prior m the ahd of tla 7NttY-dY Period. 6. N Y. gosa I. Ass -C Yw can rapist to cbw ??aerr?? eccarad by caRing our Custaner RNatlou Uepallmnlt. YOU mall destroy yOUr credit card(s) and axaad eaosse ducks, csnc?ai eel preauborlaed Mtlktq, and cane your erxwhun. It your do rot caroai proatnhodzed tlng arrntga .- , we At carider eehpl of a charge your amhorizatlm to r arxant. Addtlaally, War eccwn s; I m be cbwd until you payyo atl;ha:suss Wu owe wa'ch.: any er o u ve atrthadzed, *..a charges, pen due fees, eas, advance less and an es j lossomor mss y, roturrad payrnem mss, cash thass emoums ese rotl to your account. You are resporWbb bra these whether they appear w yam arxant at the time yw requn to they are Ircorrod aubsagrant to your clues reathemera s to dn orose the atrooun. TNa mar tesrit in to Your account if it has already been closed. For example, It you etMOrized apu abase bast a merchant and we rerroive the trarrsdlon hen Ube ma =:r your accent Ma been daeed, War srxxhreopened, the emoum of the wire ee wig be added m your sccoum, =rd wbe r allots 1« Payment. It there Is a ip fee for your account, the lee was continue, to be cha , OF the eweM psmYatad by law, nevi the accent bNarne Iw been Paid In lus a deYrrd stove. 7. Ysru Aaewet.Yaa card or account cannot be in mrsrtibn wIM any imemm Porting narwctlar. 8. NsIW AM F ONek hrrhrarsbu. provide • check k as ss psymem, you emhet, T=ut. sae bbmatlon fran your check to make s ar-time electronic fund trailer from your bank eccpm m to pracesa the ppaeyment Fit, cluck rhsectlan. When we we khbnnnion fran duck to make m elactranic knd uassbr, laude me widhdrewh Tram your bank atxaun es won n tlhe acme day we racelve your , end you wM rot receive your check beck ban peymem iw your tlnendal bssthul. BILLING RIGHTS SUMMARY 'In Case Of Enors Or Questions About Your BYO If you think your bill Is wrong, or if you need more inbrmnion on a transaction OF bill, write to u an a seperam shwl as wait as prra1Me at the address for indiudss aimvm an the from of Hie statement. We man hear from you ro lat ,out 00 days after we sect you the first bill on vault the error or proDmm appeared. You can cal our (.lNtomer Reletlar nrahber, but doing w will not pressrve Wm dgms. In your loner, glue w the tasowlog nlormatbn: your name stud aecaut nhnbsr, tha dollar anount o1 the supecmd en«, a dewripHan of dr error ail an explacatbn, if possEls, of wityY you bhbva maro is an error, « If you need moro bbmnatbn dw of the ham you aro uluro attn. You do na lavedssctopti pay xy amont b ion vvhie vre em imenltlstlrte It, but you aro nW tad to pay due perte of yam bbllft thm am not in qumtlw. At. we inwnidsle your quenim, we camm regcn Yw as dsiirhpwM or take erhy' actlw to cdlect the smoum you 4uOSda1. t,t Special Rule For Credit Gd Purchases It you Z11 praMan with the rtuasty of property or saMces You purchased vtM a cedit cam end you have trlod b good bilh to rmrrrct dr prablarn wNh the merrbsm, you meY have No ddrt rot to pay the rerhtekirhg moon due on the pr rty or seMue. You have this prmectiw or' whuh the purd=dc e was m«e than 060.00 and the purdhsae wss yow home slate or within '00 mess of your msY(sp ad6ess. Ilf we own or operant the merchant, a If wa mNed you Iha red r bra the p sty wrlocss, eel purohssee am cov f amount or )scariest of purchase.) ere covered regardless o Please remember to sign all wrrespordence. t Does not appt y to -or son-credit card ecc«nta Y Does not apply to business man-credit cad a -te, Gpitel Ohre supports lobnneHw pdvacy protectlon: see our webite Orris e is a rally ly registered t reg One Capital R 1 s service mark of Capital One Corporation. All rights reserved. 0 2003 Capital al One Orr 01 O1 LOLBAK to. areas ?lbt. You will how a mlNmun grace period Of 26 rise- new purchases, new 60,0- tratrmn, new epode) purMexa end crew other drrtes If you pay your feel 'New Balance', in exoNsnce wile the Imponam Notice for prymmta below, and in these for it to be credited by your next surternatirt ==' There is w grace period an cash advances e aters. In addition, there Is no grace period =any !-olbn if you do rot pay the total 'New b. Aeettkq CJtroBe. Tnnsactiar which am not finance, rrthe detect tit estdrcharrec[Ion or21 f date the) the trims ctlon b orooswed to your Accent or 31 from the first esisttder y of the aarent tlMnp period. Additionally, yeu rid not pay the 'New Baiaroe flaunt dr preview hYlaq period lo kdi, tkrrhea ringed unpaid balance bal nnce e is to a paid in to your urpaW thence uptl tse en if meow tlat you me still owe owe finance charges, even f you pay dr emlre New Balance Indicated on the horn of =0 nuemerd DY the row statement closing date, but did o as for Hr proviaw month. Unpaid )sane charges are added to the a salFnntt of your Accent. tc. 11, F. Fbsrroe . Fm each biskrg period that your -ou t I. wMeet to a Ynence Burge, e M . total RNANCE CHAAOE of $0.60 et M w torn Marhca Burge rewldnp tram the a cation of yyoouu periodic rnelal b loss than 10.60, we subtract thatr amont tan iha 00.60 nhininrhun and the dNarence will be Wtled to Hite pwchass wpmem of ecWe;;;serve td. Taatp IIeYMbn Yes FMee estate. We re the nor dsseess any or all dnence hirryps tar any given 2. Avltys DsBF aalare liadhiha Nwv M?dt?sassl. y e. {lrtartce cltepge Is caleulned tY rook tIo daN Wlnhce o1 each seeauM of your ateean (s.0. cash advance, phachass, sgldN trailer, end aPeclal purdrsel by the corre?wdlq dsSy periodic =1 f that Ms bean prevbrdy dseccllooeseedm you. At the of each da during the baste period, we apply the dssy pariodc ,to bra each eagrhan of yea etuoran m the dsByy b e anee of each segment. Then at the ail of the Dsarhp pFul we add rap the results of these daily eai d= to ardw at your periodic tlnenca drrge bra each segnae. We add uP the results four each sepnem to ardw at the total periodic Mrrce charge bra yea accann. To gel the dealt'y bal?antx tar each segrhem of your accoun, we take dr begiOF bNarwro tar each ssgnua and add enY new t.-. end erry ppeedodo flrrnca chege caI=red on the previow day's baiwca ny bra Hat gmettt;r Ws tlherh Mbtrad a psymans or croda paned as f tlu del that are ssocated to the segmwt. This gives u dr separate dssY balance far each ssgnom of your accoun. Howeve , if you pe d the New Balance shown m yar pmNar natemeM in ka Inn t1 your new =smart, or a credit amaaht), new it ctioea your purdrsse or apedN purchase segnenta aro tat added to the z; halannss. W e cakulne tfr assuage daily ludic- by adding NI the daily balaross togetlher end dvidng the sun by the ntnber of the days in Mr mrrln bY4tg eyrie. To cakxtlne your at flrnaroe clangs, musiply your ax=le dally balance by the dWy periodic rate and by the rnhmber of lays in the biting pedal. Due to raaxahg w e detly haW, them maybe e adarce bnweerh this celculetlm and the a.. of Irma ch"T. act=-=V; b. If the code Z or N from of this Natemem new to 'Balance Rare Applied To, we rrxltlply the 102865 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. Pr. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ., e Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. 034 034-0502 CGW 1K Account Summary Previous Balance $3,295.68 Payments, Credits and Adjustments - $100.00 Transactions + $.00 Finance Charges 8 06 New Balance $3,243.74 Minimum Amount Dtte 197.00 Payment Due Date December 19, 2003 Total Credit Line 13,500 (Non-Kmart/Cash Portio n) 13,000 Total Balance 13,243.74 (Kmart Balance) 1401.23 (Non-Kmart Balance) 11,259.33 (Cash Balance) 11,583.18 AvailableforKmatPurchases 1256.26 (Portion available for 1157.49 Non-Kmart/Cash Transactions) At your service To call Cwtomer Rdatiom or to report a lost or stoles card: 1-800-830-7524 Send paymenu to: Send ingtim. to: Attn: Remittance Promring Capital One Swim Capital One S-6m P.O. B. 85184 P.O. B. 85015 Richmond, VA 23285-5184 Ri&mond, VA 23285-5015 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 OCT 20 - NOV 19, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 05 NOV PAYMENT RECEIVED -THANK YOU 1100.00- When you send us a check, you authorize us to make a one-time electronic fund transfer debit from your bank account. The transfer will be for the amount of the check. You Wee that if a third party submits a click for your account, that individual is your agent and was provided with these disclosures. If we cannot process the transfer, you authorize us to make a charge against your bank account using a paper draft. Finance Charges Pleweser ret r ie fide for important information B.4x ealr P-41 C pen-I WE ?I N .v/!o rde APR KMART PURCHASES (40456 .04740%D 17.30% 95.94 NON-KMART PURCHASES 91,269.78 .D4740%D 17.30% 918.66 CASH 91,596.32 .04740%D 17.30% 923.46 ANNUAL PERCENTAGE RATE applied this period 17.30% PLEASE RETURN PORTION BELOW WITH PAYMENT. ?6e 0000000 7 5307582077035141 19 32437 40100000097005 New Balance 13,243.74 Minimum Amount Due 197.00 Payment Due Date December 19, 2003 Total enclosed 1 Account Number- 5307-5820-7703-5141 Capital One, F.S.H. P.O. Box 85184 111unBill 11111111111 Richmond, VA 23285-5184 ?111dn11m1r11u1111dBill uu111u1uAuIIIslas 1u111ut1 Pl-,t e.t meilind mlbmmedlar-mail?6mdrr below arced blw or blarf mk. Streee Ape b City St., ZIP Home Phone Alte-t, Phone #9032442891197326# MAIL ID NUMBER _ KAREN HARBOLD d' 4529 ROLO CT o i- MECHANICSBURG PA 17055-5889 ° ItuIIIutlllnnLAn1duIddu1tln1JJun1J1duud11 r Pkare toriteyour amount numGer on your eherk or, money order madepayable to Capital 0 ne, F. S. B. and mail in the mixed envelope. t? O i : N is You will laver a midmun grace period of e Mthga finance dm an new purdam, new frontiers, new apeaet purcMWS and new agar it you poY your tonal 'New Belame% in ace wind the hnponam Nwbe for paymema bebw, rime ter h to as credited by your next statement date. There b no grace pedal an cash advances abl tnrobrs. h addidon, there b ro grace period ira uarctbn if you do not pay the treat 'New mpnwq ounce m am segmam oacn aaY. sac mV mw trerwctlam to each aapnent, and enOtrom mY payrnems of credits. IN the code N appeere m Me hand of rhea mmement rod to 'BMmee Rare Applied To,. we aim mle ram my unpaid Manes charge indudsd In the balance at ear h aepmmt 1 Thb gives u the daily belarae d each segment. Then, we add up ell tits tbNY balerx:ea for each tot ra??r ofbean =parted. %SbyZ to ache evmappae etch eepnmt. 3. At 1 Mroatthp F= deity DYanee ofIAI711. a. The hem 'AMUe1 Percentage Rote' may appear ere 'APR' on the from of thh at:terneM. b. It the code P (Prime, L 43 nw. LIBOR), C (C.,dicarm of Dapoaltl, or S 1=t d PMro) opM, an Its from of Ma mom "m nod to the periods Mehl, the pedalo B rates and aPOrdrq ANNUAL PERCENTAGE MT meY very quen?eeily and ray ineaeae or deereue based on the Hated hdme, a fond h TM WW Strmt Jotmel, ales the merpn prsvldadoeed to you. Them der wit tea a l",.y Me 1M Gy of your bi covered by your pedodk mmenem ending Inthep mandr Jaaary14M. Jul and greober. c. If the code D (Prime), LIBOR) or 0 (T-SW. LIBOR Repriced Mor man the frarx m your Statement mm to the Meld, the periadc ones and corraaomdrn A AL PERCEMAOE PATES may vary merdNY • may hrrpm m deeroem tatted on the mated hdtas, as lard in TM W40 Streat Journal, plus the margin preWOUdy dedoeatl to you. Them changes w111 be effectlve an the AM day of your billing period each moth. 4. ApmeemY of Lam, Oy.ri" ant Reevow Payrnam Fps. You aamnl Wit be Saturated w; more flan two of the fees limed here thet ocau durhg my MINng period. Under the tame o1 your oulamer agree we mor the ride waive or not to amass any fees p W vA itMU yrier rtotNeatlon to withmrt wa our right to assent the acme or similar et s bar rime. 5.appears on Yerrfrom of tal AaaereY. If a mmtbenNp fp e mmrn was You lave 30 dap from the he here fhb Swimmers mailed to you to svdd =the tea or to have each tee credtod to you if you cancel your acaont. Durirng tHo period, you or contbare ro tee your acanant withren having to pay tay he memheralYp be. To corneal your exoun, you mum ratiH u by telling our Grtorm r Rebticrs De orn and paY your New BNarc h krp (eadtrdrng tla merrdemp lee) aim to tha' e and of I =day period. 6. N You Close Year Assistant. You cm lowest to dose yyaomw saver oy calNrrg or Cwtamer RYetlas Uepanment. You mtad demroy your credt uM o) and eccerm access dtmlu, carnal ell Prputlarited telling, and teem Wrq your aaamt. II you do non toad prmmhedsed b.i ng erranpemento, wa wilt consider realpt of • large you audarixatfan roapen ... AddtiZ; Your :bbremf W`1 not its ebaeyourd until you pay all ameram you revs w kahdrq: my trerwetiar you love atrhedted, Monaca dargp, peon du Iona, ovedimit =peon Wyk bs. each advance fees and my other .. your atta=r. Ym are reaponside for vdsder they appear m Your acaun at the time you regent to dose the account or they are Incurred reMaquren to your rerltrest to nom the accent. This may reads in chsram arapdrm m your :moron :her van heve if?youaatdnoris:d rMPUrdra?e ham a merUent and v re e. receive the transaction tram the merchant after your accoan has been dosed, your aaom wip be reopened, the amoua of the dtarps veil be arMsd ro Your aaamt, and yyoauru veil be reaporrlhM for payment. If there Is manhersNp fee ter yam aerator, the tae riNN etmirae to be cMrmd, to the march pemrMad by law, mtil the accost DaLrce hn bass Pas In full as deMsd above. 7. UYs Yea Aeawsa.Yma rand or account cannon be uedin tamrevfor won, any intemm rambling trarsedkns. S. tMtlea provide Ab a check k as pey as ayrpflam, skyou to either Oanamherlae weim. When you to um hforr Ion hem your dock to make a one-time ebchonk had tnrnbr fare your bank account or to problem 0. ppasyment ea a deck lrarraallon. When we use hbmatbn from your deck ro make m ebmrerdc ken lrerrler, ludo may he Willdrevm hors Vou bank acconrar ea noon ss the no ley we reedy. your psptr hr mlal IMNWon. recelm your deck back from BILLING RIMITS SUMMARY fin Case Of Errors Or OuMbns About Your &10 if you hank your biN IS wrap, or if you need morea inbnnmbn m a traroactlon a bill, wdle ro u an separate sheet So soon as pmsiMe at the address for Efate kpddp Yawn an the iron of tHa aMreaern. We nest you no Iwo, than SO dap after - wont you the lM bill on which the error or problem &F oil. You can cap our Customer Reladons ramrber, bum eeklg m WM not yyrparve yar dgh=2 alter, ¢va u Me blbrring InbmMion: your and atxaen archer, the dollar amours oxpWuf the respected error, a dpcriptiort of tie error end an m etlon, it posaNrb, of wM1wy you bailees the is an ens; a if u ed =1 mudan, a d l,t of de hem you arcyourneure . You do rot Mva ro pay any amount in v;ay ill rya are inwmloatlra h, but you are mill obi .d to p the pans of your that are not M question. a ere Investigate Year quallon, We cannot report you as tbMngrsM or take any anion to collect the am"" you quest on. t,t Special Rule For Credit Cad Purchases If you hew a problem vmh rho paltry of propmY or services that you purohem0 WNM a credt ran and you prablern vNlfn the haw; trod in good taint to anal or merchant, Y. may he the dint not to pay the remelting runount due an the p ny or mnbp. You have 1Ns prStambn aYy when the pundsm pprice wp more then 450.00 ant the pucheae was made h you home meta or .thin 100 app of your moUhq addrop. Ilt we own or the ao ? =, or If we magad you the p rtv or mrWme, ell purdasm are ay.red regardem of mnoan or bceaon of pundxse:) Please remember to sign all arreapondena. t Arcs act apply to consumer Hal -credit card eccmnfa t Doss not apply to aasbreas non-credo cart! eccoants One Supports krbmation pdyncy protection: we our r ered service mark of Capital I rights reserved. a 2003 01LGLBAK b. AsanthN FYretrn f8rp. Tnrnacd«r vRdch are not atgmt ro a grate period an aemamd finance charge 11 hartr the Gte of the trerrarxbn or 2) tram the dote the it often Is yr eased to Your Account or 3) tram the 1M cderndo, day of the currera hNNnq perled. AddhlaraNy, it You rid not pay the 'New BNence' fran the PreNou TW- =1'2- =t=d comkas topaaid x ruehfulto yyoouurr bsbae h l. TNpro that you mayY stlN awe Nnreae dtarpea, even it you pay the entire New Baletae btdcsied an the from of your statmsm by the red matemerr doaktg date, but did not do m ter the provioua mash. U. Nrrertce Bargee are added to the tale segment of your Aaerm. t c. &*A- Floss w?b mc1 For each biphg period that tMd RNANCEieCHAA6Etof 40700 will be?impased. If the total Mena tiaras nee" flan the a catlan of yyoouu Podolia rateh) b taw than 40..0, we I ad.. their toward barn the 40.60 mhYrmm and the ditens- will he hilted to the pu hose agars of your account. td. Tes*erary IlWedm h Fbm - Orbs. We worm the right to nor aaeu any or all finance charges for any given 2. A byarejM wily tebsa IMINir now n.dr.a1. a. Rrance tdsge b calWetod by mu 0ykj.,!;, daily e of etch aepmm of your eccerm rash advance, ptadam, apedN tnmter, and special panda ! by the car dYty perbdc rmeld that during tphe NNhgY petted, we aPaY the daily per obdlech ratedabr each sepaenl of yam eceaan to the daily balance of each eaprent. Then et the end of the billing period, m add up tie rewrite o1 tfese dWI C.Iddadone to arrive at Your pedotla Marne dnenge for each sepnent. We add up the raeults from tech Stanton to areve m Me total perbdc infarct eharyp ter you aeaud. To got the dailyy babas eachsepnren of Your eccernt, for we cake tine mpmxtp for eat Ion peh aeprwe and add anyy new lranmmlaN and errype riodc Nrnwnp large csiculeted on the PreNas day's bNinca ter that aepnam. We then sebiram any W eerwnt Thai gh ?eisu Na?ieprne deftly WW ter each sapram of your recant. However, it youp? d the New Balsas "f an your prevkns Z.= -In bA for if your new b Woe wp zero or a or.& amount), nneW trarnaambm wttkit pore to your purchase or spell puMuse sepmms an rat added to the daily babrncee. We elerlme the average dopy DWrce ay adtknp all the daly Delano' togedrer and dvdhp the sun bV the raanber of Me day. in the curertt t= cycle. To calculate Your total 11- daily Wlarce by the daily r=6, .TV== of p in the damp pariaDue to rouMrq m a =-" there may be a aNdn varienm Detesters tide and the amount of lnerce ch. acnWly ameped. b. If the code Z or N sppmn m tla flan of it" Statement rout to 'Briers.. Rsto Aortal To.' we mrdedv the 102645 IaperlsM NoYp: Ymr payment WIN be 1'=,Z Inr ar f the data rye recalve h, proveed you send Ma bottom ponton of a purr dock h the andaaed rerrnittarres anvYape, end your payment ou pramaktq tamer by 3 p.m. Peynsnt• eddreaoed to our Wrgkaa or (leoryia pWs rocewirnpmnemem tamernd mum he rmsivsd an a bnrskneea day by 3:00 p.m. LT. Peymrers addraamd to am =W proaedng rarer neon be received an a business day ay 3:00 p.m. PT. Please slow at beer 1ve 16) business dap for {areal delivery. Payrnema received by u at any Oder r In araMar tam may not be credhed the Same day vre receive them. Our business dap are Monday through Saturday, excluding holiday.. Reese do rat use Me se, paper dips, me. when preparing your payment. 034 Your Kmart MasterCard is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. OF T F( ud ryy ? r 034-0502 C Mak ONAW im- UL 5307-5820-7703-5141 Summary COLD MASTERCARD ACCOUNT NOV 20 - DEC 19, 2003 Page 1 of 1 Previous Balance $3,243.74 Payments, Credits and Adjustments $97.00 Transactions . $.00 Finance Charges 145 f7 New Balance a $3,192.41 Minimum Amount Due $95.00 Payment Due Date January 19, 2004 Total Credit Line $3,500 (Non-KmardCash Portion) $3,000 Total Balance $3,192.41 (Kmart Balance) $394.89 (Non-Kmart Balance) $1,239.39 (Cash Balance) $1,558.13 Available for Kmart Purchases $30759 (Portion available for $202.48 Non-KmarNCash Transactions) At ycarservice To call Cwtomer Relatiow or to report a lost or stolen card 1-800-830-7524 Send payments to: Send inquvin to: Attn: Remittance Pro-ing Capaal One Ser,ictl Capital One Services P.O. Box 85184 P.O. B. 85015 Riclunoad, VA 23285-5184 Richmond, VA 23285-5015 Payments, Credits and Adjustments 1 03 DEC PAYMENT RECEIVED -THANK YOU $97.00- When you lead us a check, you authorize us to make a one-tithe electronic fund transfer debit from your bank account The transfer will be for the amount of the dick. You agree that if a third party submits a check for your account, that individual is your agent and was provided with these disclosures. If we cannot process the transfer, you authorize us to make a charge against your bank account using a paper draft. Finance Charges Pleare ice reverse ridejor inrpartant infar.Wion m aa? +.tr t?+ae cra„,a Moak m 0 yrlirlro +err R KMART PURCHASES 8397.17 .04740%0 17.30% 15.65 NON-KMART PURCHASES 81,24659 .04740%D 17.30% $17.73 CASH 81,567.18 .04740%D 17.30% 82229 ANNUAL PERCEN'T'AGE RATE applied this period 17.30% PLEASE RETURN PORTION BELOW WITH PAYMENT. CJW~O 46a 0000000 7 5307582077035141 19 3192410097000095003 P4a,r pint meilmg oddru any r-mail rAmarr brlom wna66hr orb/art ia.F. New Balance $3,192.41 Minimum Amount Due $95.00 st«t Apt. s Payment Due Date January 19, 2004 City Sare ZIP Total enclosed $ Home Phone Alamaa Ph- Account Number. 5307-5820-7703-5141 Email Address ! #9035442891197323# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 4529 ROLO CT Richmond, VA 23285- 5184 o assassins, MECHANICSBURG PA 17055-5889 ?toI 111 1111 11 1111111111 11111 111 1111111 1111111111111 ° i I tnIII ...111 1116111111n111s1n1s1n1s111un11Ill 11 Ill 1111 Pleare unite your account number on your than or money order made payable to Capital One, F.S.B. and mail in the errelaed envelope. r WHOM eN? 9 O ? GV 1. How To A.sbl A Fbfnss =. to. Ow P 0M. You will Mw a nirdnun grata period of 26 day. within finance drrye on new puncheon, new balance Insatiate, nw apedN pxcMan and new other congas if you, Y War 2o1N 'N Ibew B for In accordance fopethabaPertent payments below , OW In time for it to be erodtetl by yton pa your new atatamem ="`i= - grata dwrcn In adddon, share ie rc grata paced on soy trasactim if you do not pay the total 'New batons.' b. Aswaky Phones Cfsgs. Trarhactiar watch are rxn d rom t .17 1) efrhJect u e grace period ero aaseaed ft date the tram Uhe date of the traFSectbn a 2) tram traFSadton b procored to your Aceam 1 or 31 tram the eras cNardet day of ' erea bWhp dad. Addtlasny, if_yau rid not pay the 'New ==m p=:: Wang period In pat, Orfarce accrue to yypax1f upaW batonc?e aril dro fapeid bNerce is pail In -. This mean that you ratysal owe enrce dsryn, awn if you pay the entire New Bsforce hallowed on the from of your ostemem by die sow stnemhm dashq date, but rid not do n for the proNew march. Uroeb Iksrhca dsryn t c ==.Z For achntbVp d yeaeAccentriod that . your ahxeup b a erharrca dsrge, a mirrkam tool FiIIANCE 90.60 will ba Imposed. If tha total Oriente chop muhkq *-the %o Icafion of your period. rods) I. ba. 10.60, we wlY a..m that anrot from the #0.60 minimum mol the dlference will be I* the pudues seprrerrt of accent. td. Tsapwstyltsin.dst b FYhsfia ufsp. We renrw the fight o not essea any or ail lkhsnc?e durgn br any given 2. A, a. rod, we apply the deny periodc rate For each =r our eccarrt to tM dell balance o1 ndi t few . Then thesat the e e o oc f Ihs en uPw1W, we yoI W periods errarca clang for tear l pe up v to erdw at th w at the We tail perialc rosdts from sash segmam enact carpe 1m Your accaat. To get thedally batorace br etch asprhat of your amoral, we take the oepzarirq neactbrs baIsrrca for star :=W d *%%=' vb nd mydodoshe pro ua day's bslsthca for who sapnwnt. We than subtract any paWfarrts a crolim potted n o1 that day that are eeacated to that segnwe. Tile ghee w fha separate dilly betonce for each esprfnn of you shxoun. However, If you tha New Balance shown on yofu proces statement in for 11 veto new balance wan zero a a tract smafrfrl, new to yea purchase or yodel irarracsiar which post purduae saplfnta we not added to tha deAY balances. we rabdate the wremp dal bderoe IF addling all tha defly ppeadock rate. To obtain dw swrage daily balance for the hskhq riod coverefdea by wile stoemhm, wan take 5ajrq balance och ngmeM each dsY, add any new trensa tha etlam to nM sepmam and edarad any ymems OF credts. (It the cede N appeeH an tM iTo; nto of tMa statement new to ' BNarca Rate AppNed we also :t,acl any optic enarca charge IrrJiltletl h die balance of such aeTpArs?n,ft 1 That dose w the dilly bNaroe of each see prmwsont for tM dNkq ppeeWdod land dNde by 1M trial nM number of days h tha hwinp pefbd. This ghee w tint wrege cony bstanca at each eePse^t. 3. AnrW McMge Ilba IAFRt. e. The tam 'Math Peroemage Rate' may appaer as APR' on tls from ), tilt ste LIBOR), b. If the code Deposit), de P IPdn) L 1 . C (Certificate ve of or S IBenktard Prime) apparo on iha front ham of rates and coneaoondlM ANNUAL PERCENTAGE RATES may wry qusnedy and may increase or decrease based on the stated Indcas, as food In TM We# Street JoumN, pins the mar¢n pproroNohWy dadoeed to you. Thase drerges will ba etbctiw on the 1. day of your by yao pedodc NNafsrft endrrg bllkq == M tha yApril, JW30) barc. If the code 0 (Prime), F it me. or G 13tso. LIBOR Ryftoad MontNY) a are on die from of your noeman sow to the pedodo rsropl, tM periadc False and correzpadrq ANNUAL PERCEMAOE RATES ma vary monthly and may Increase or decrease based oniha owed hdcea, n bard in Th. WM' S!nw Jor.ru; plw die mapin proNady dsd er oned to you. Thees dranpea will besttoctl- on tha day of your billing period each month. 4. Aanaawt of Late. Omft* d NsbsaW =La= Your accent stN be tatted rc men than flood hart that axis dtirirp my bnOrfg =Under the tame of your cwtomer egrohrafanl, we roesrw die right to waiw or non to aaaea any fees whhrona rim noNecation to whheu waiving our right to a.- the ante or sknear at • Imo rime. 6. Vwe A.sest. If a mambareNp fee appnro on lifts from of M. w,"-=; yru ha- 30 n die date tats mtmailed to you to avoid =the lee or to how such fee crsAted to you cartkasca odire puaF eccofrht?rNtlsu NNng io play rne ==p beTo anr:ei yew exam, you ravel y canbg tut Chplomer RNstion Depenmem end pay .z Balms' in full IezcWng the membewep fn) pdn u the raw of - as Pa.. 6. H Yw Cfsn Y. Aosast. ==. does yyooutir sccenl by cal4q ear iropanmhm. Yan Fowl destroy your crodt cardlsl and accom access decks, cancel sat prostair bed billing, end ceaes tar d yet aarornt. It you do not tercel preauMri: biting marrgemsma, we will consider =o!'=your autlodrolon to eopen your . Y, Your accofsn wtn not be cosec tome you pay all amounts you owe w kxludng: any irarhacdas you Mw authorized, efharhte dsrgn, past due toes, ovediFoh tows, resumed payment bas, cash adwnce two and any other ton wowed to your amout. Y- ero respanihb ton than amens whether they appear on your eccafan at iM time you regiroat to does the accaat or they are incurred nbeprant to your request to does rife steam. TNS may rester in dnargee apesrkq an yaaAaxoum sheuyou have ^1 your octant ii it Ms Nrady been dosed. For example, it you authorized a pardon from a merchant end we recNw is transaction ham the merobam after your accaat bat bean deed, you secofaa wN be F=d, tha imam of the dierq??wfN ba added to yoft exam, and yyopuu will be reapanaw='X= it Ilsre b a FNip tee for yea WIN condrxfa to be die to the event perafted by low, until the brr, axe.ri ance has bean 10s in kN n dethed above. 7. UV You Aaewet.Yaw card or accouN carrot be h oersetkm whin any hnenrot gembnng transactions. 8. IoM Abet FJssbsnta Dusk OnwrsrNw. When you provide a deck as payment, you orient; w Nrhar to ties mtormNi in from yofu check to make a one time dectraik mad t,.net. 1. yon bans accufm or to procew tM ppasyment ties Infoanstian inn a drot. W find trsnbr, tads may be wstlWrawn ham your bank account as soon as the same day wt recd- yyoouu paymam, and you will not reed- your deck back iron your enndal iMflutien. BILLING RIGHTS SUMMARY (in Case Of Enn Or Questions About Your Bill) It ym link your bill is wrong, or if you need Fore .f-d- on a transaction or bill, write to fs an a separate show as soon as possible at the add- for khqulrise shown on the bent of this warmers. We nest Isar trap you co Inn th.m 00 bays after we sent you the first bill on eNidh dro error r pnobbm a cad. Yw can call our Chwanr Mladorr rrm6er, tout carp n will not pre..rw you dgbts. h you toter, give w tls foiowkq nfomudon: your seams and acrosn rrmbar, trs ddlar amoral of 1M mepscted error, a deecription of tha error and anexplnsibn, H pwOrle, of veinyY You bestow to is an error, a it you lead more Infitmatbn a desotlpton tha ton you as ansuro about. Y. do not M- to pay of any anwm h whle we ere hhvesY it, but You ero still led re pay tls Wrte of yex diet are rot I. ghrostlon. wan hvestlgste your question, we cannot report you ae deWhgfsnt or is arty action to collect the emoum you questim. t,t Special We For Croat Card Purchases If =VV. rehlem wsth the gwlty of property or sepurchased wsth a crodh card and you baw tried h good kdth to corneal tM prablstm with the Foam duo m dine hopwMtlysor seMau. YPauy he. 1Mrn i - pnnecsian oilyy Wen ris putlsse prke wn more than 460.00 and tM phsdsse wan made In War hone sate or w itin 100 mess of your mailing eddren. (lf we own or opeute the mronot, or if we mailed you iha edwrdaement ha die popesoy or nrNcaa, eat purchens ere co-rod regsrden of amount a looatlon of purchase.) Posse remember to dgn NI correyorhderrce. t foes net apply to consumer non-credit card accomts I Does not apply to business seam credit card accomro Capital One suppose Information privacy protection: we our webdte at www.=.com. Capital Ow Is a *it y redstered -4- mark of Capital One Tisrxial Coporation. I rights reserved. 0 2003 Capital One 01 LGLBAK balarcn togathar and dNdrng the wan by iha amber of the cave In tha -rem DNOrq cycle. To cNcuiate your 'm flrurrca charge, mratlpN your average Osny balance by lifts d Z periaec rate sat by the amor of days In die biflhg palotl. Due to routing on a dsNy 1, 1 may be a aNNlt variance between bah r?kd.If- end the imam of Orsrce dierge acuselly aaseaed. b. It the code Z or N ages an ft from of this statement -1 to ',aBNace Rate Appfled To wan comply t. Ike .A .. 106668 RY-2--l-.5erize ku tlha emout of the deck. Thle sudodzedon apples to al eheeke mcdwd duds the dNkhg cycle even It sent by aomoow rite. If we umot process tha tramfer, you o make a clsrya agNrret your bank eceouH uNng lifts deck, a paper tlreh a other em. 034 Your Kmart MasterCar' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. KE = 034-0502 of-I Account Summarv Previous Balance $3,192.41 Payments, Credits and Adjustments - $225.00 Trannctioas t $.00 Finance Charges 14699 New Balance $3,014.23 Minimum Amount Due $90.00 Payment Due Date February 19, 2004 Total Credit Line $3,500 (Non-Kmart/Cash Portio n) $3,000 Total Balance $3,01413 (Kmart Balance) $372.84 (Non-Kmart Balance) $1,17012 (Cash Balance) $1,471.17 Availablefor Kma t Purchases $485.77 (Portion available for $358.61 Non-Kmart/Cash Transactions) At your service To all Customer Relations or to report a lost or stolen ard: 1-800-830-7524 Send payments to: Send iaquirin to: Arta Resin- Processing Capital One Services Capital One S- -P.O. Box 85184 P.O. B. 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 Payments, Credits and Adjustments DEC 20, 2003 -JAN 19, 2004 Page 1 of 1 1 16 JAN PAYMENT RECEIVED -THANK YOU $225.00- When you send us a check, you authorize us to make a one-time electronic fund transfer debit from your bank account. The transfer will be for the amount of the check. You agree that if a third party submits a check for your account, that individual is your agent and was provided with these disclosures. If we cannot process the transfer, you authorize us to make a charge against your bank account using a paper draft. FinanceCh=W Please imrC jesialf imteltantInformation m B.larc rdr applirJro P..Ae wr C _r. -1 WE m KMART PURCHASES $394.11 .04740%D 17.30% 55.79 NON-KMART PURCHASES 51,236.96 .04740%D 17.30% $18.18 CASH $1,555.08 .04740%D 17.30% $22.85 ANNUAL PERCENTAGE RATE applied this period 17.30% PLEASE RETURN PORTION BELOW W1TH PAYMENT. Csq~CW 0000000 7 5307582077035141 19 3014230225000090001 New Balance $3,01413 Minimum Amount Due $90.00 Payment Due Date February 19, 2004 Total enclosed $ Account Number. 5307-5920-7703-5141 Capital One, F.S.B. P.O. Box 85184 Richmond, VA 23285-5184 PL., print ns.ili.ddbeu a.? r-mai/r! male b l_ .., A. o. 64r.E i.k Snre, Ape R City Saco ZIP Home Phone Ah, -. Phone #9002042891197320# MAIL ID NUMBER KAREN HARROLD r^ 4529 ROLO CT o MECHANICSBURG PA 17055-5889 r Pleme vniteyour account nsonber on your cheek or money order madepayable to Capital One, F.S.B. and mail in the enclosed envelope. O N W ' N ppeeriodc refs. To ohten the awrsge dedy babrhca fen aro Nling rind warred by Ui. ststemeM, we take the be¢nngg balerhce of esah segmeflf each day, add arty new nransaClforn to each segment, and Fact aeY or cre 11 s. (11 the cede N eppaan an dra Iran of rih aistem em next to ' Balance Bete Applied To, we also =;E.: aid dnrge brooded M the balance ) This avea us the dally bNaneo of each w9mont. we add tq act ire deNy Wlacea br each ae(pnerht fen rite Wlkg a d.vide by the total numbeggreeof day n the penal. This giros rat., 3. /lrnnnal Maaar g. RaM IAFRI. tit. e. The term 'Annrl Psrcsthuge Rate' may appear as APR' on the trap of this sratemaM. b. If the code P (Prime), L (3-rep. UBOR), C (CeMfcata of tNa stattemenf ( ea?tootheppe?riodic rate{.) the the from cl rates and cortepatdrq ANNUAL PERCENTAG RATES may wry PunedY sarrof may inches. OF decrease based an the stated inclose, as foul In The WAN Street Journal, pies the margin VDroviouly dadase to you. Thee sherge? w,Wl ba etNCdw en the Wm day of your ;Wrap pmbd =!W dode na[enreM ertdng in aro mahthe J. c. It the cede O (Prime), F (t mo. Lyyantl October. IBOR) OF O 11. LIBOR Rp=, MaWdy) ppean a aro hoM of your aiaiamem o ppeeriods rnegl , the ppeserloodclc rates and wrr ANNIAL PERCEMAGE h4.TE6 may very monthly andmay Incrmae or decrons locoed an the aimed ndcm, as food In The Wsi' Stmt J'oaw/, plus the megn Pre=V scoed to . These .urges will be etbetiWM day of your bilk, Parfet! each mash. 6. AnssagkVA of Last, OwrWeit anti llsYartsd Payrrwd Few. Year account will be mosemW ro more then lwa of the fees listed hero that orxax dung arty hiNng period. Under ire trms of your aatemer agreement voe reserve the fight to he live or not to aesew my foss without odor rriticatlon to vritlnonR walvkg our right to as case the sense or aknNer n a titer rime. fi. YsvIrons o Acosta.ftthh . If • membenNp lee appear a dhs NatmrorN, you haw 30 days iron du date. aiar. was nulled to You to avoid peykg the Ace or to hew such fee created to you if you csttcel your acc lhtring this period, you may cornkaro fo hero your acwrett wthan tZ, to pay the mmrbaMip fee. Ta cancel your accent, you oust notdy u by caWhg our GYNtansr RN.daro DgtammeM and psi your 'New Balance' in full (exdudrg the maMsnHp be) prior to the eM of the thirty- tv period. 6. N Yau Claw Your Amount. You can requsat to apse Yount account by cWkV out Customer Relations upanmem. You now destmy your oredt caad(a) and account scow ducks, ca ncel W preaWud=ed bikkV, and cease ukq you awarht. if you do rot cancel preeutheri:se rag a eras, we win ee Hof all chapp N yea a don to reopen your y, your r ... ans will std be d =- you pay all amour". You owe u ktJ *. any cdons you hew h.. 7 charges, gem due ale., oyetWt few, returned peymem fees, cash advertce few and any odor des as.esssd to your account. You are respuaWds br thew antetxn. wMher they appear an yoa/ accoum .I the rime yyoouu regusai to dose the account or they are Wamid slaequum to yar request Ia. awe the accent. TX may result in ciherees ethpwrrq en van acceta" other you hew your accam it it has Nroedy Dean .cased. For example, it you eudrod:ed a puruiuw ham a mercheM and we 'a the hansaCde from me merriu 111afar your accaan Ius bean cease, your earns will be reopened. the srnmuht of the chsrrggs wN ba added to your accoarn, end yyoouu will be reaporulMs fa psymem. I1 drero la a membaralip tee for your sccouht the tee wiM canirtu to be "harped, to itre extent p?vmW by kw, urdI the accent bd mm has loam Pala in kM are deWr above. 7. Uekrn Yav Ae Ad,.Ymr card or account comma be n wrrroct,on with any Internet gambling transactions. 0. Nall. ADM Elaabsats Oresk Oswaraian. When you provide a duck w paymem, you autludze w Ntlrer to we Nfomution trap year duck to make a one -tine electronic find transfer from your bank accent or to procew the ppeeymem as a =tranuobn. When we we htfei nation from you duck to make an electronic knd hetrofer, n' maybe withdrawn ham Your, bank acorn as soon es the some day we roceiw your Payment and you who rr recelw year .hock back from your Wnsnelal insmarlon. BILLING RIGHTS SUMMARY On Caw Of Errors Or Outstations Abort You SIR) If ya d"nk year bill is wrong, or If you need more informatlon e a vansectlon or MW, wrhe to us e s operate Neat as soon w pooalMa st the .ddrow for irhgtides Nwwit on the hoer of ti. aratameM. We mat hear tram you no later than BO dot?er ahsr we sans ya the Wr bill a which the eror or P t., we tl. Vou can call our Customer Relataru r.aMer, bar ding w coq not yyreserve yea ditto. M you bier, giro u the falbrng inbmstbn: your name and acwltm nxnrbar, the ddbr avant of the suspected error, a dewripdph of tai error and an aaplrutfnn, if poaWe, of whyy you bade" then b an error, a H you need more Inform atlen, a uleacripde of the Item you are unsure about. You do std hew to pay any aunwt n Ion vdie we are It, but you aro aril o tad to pay Me pens of yea that aro not in ghuadan. we investipte your question, we cannot report you as dalhhriaent or take any ache to collect the arrant you ghuadan. I,t Special Rule For Credit Card Purchases It you haw a problem with the quality of progeny or services that ya purchased with a credt card and you =M ed n good lNth to correct the problem with the , you at hew the right not to pay rite riont ng amps" du a the p y or aervicea. you haw this prwtipn cady when tFu purduse grid area more than 850.00 and the purduse was made In yew home Nate or within f the males merchant, your, or i1 vote earkedddyou threw. 111ewe own or operate tl msiWrhg m adwnlastnent for the popery or wrvioes, all purctawa are covered rogsrdes. a( inc.: or iocatlon of purchase.) Please remember to sign all correspondence. t foes not apply to coisearrer non-cradtf card accounts t Ogee am apply n busbxss rwn credit card accounts One spporn information pdvecy protection: aes our prod 9erAce mark of Gpiul rights rewrwd. a 2003 OILGLBAK t a. an" MW. You will have a . drnum grace period of 26 days withae flrurwro du ef. an new Parcuwa, new 6ebnc?e trensfen, new apeoet pureMaes and new ocher dtartpa Ii you your rel 'New Balance', in ecwrdanc?s vAM the knponeM Notice for Paymana below, and in time for h to be created by your next natemam clan date. Thee N ns grace period on cash adverxroa and apedN transfer.. in addtion, there is w Baca Dmicd e any tnruactbn if you do not pay the total New b. Assttiq fkasnse Chrss. Tautomations which are net w6)at to s grad period an aawased fhunce charge 11 Iran du date of the trenectie or 21 iron tfro date the vanswtion is ro.,sthe d to your Accent or 3) from the What calerthr ufeY of wrferd billing period. Additional! if you dd not pay the '!low Balance' from the previousbwnp period n kY, Wnarhw tdrorye. rrondttro to ae" fo you upNd balance tmN aro tapald balance is paid n full. This means cut you mey adN owe flnsrhca cages, awn if you pay the eMiro !low Balsthce Indcatse en the from of year stnrxrrn by the men statementall rime, but rid not do w I. the previars march. Unpaid fhronoe chergea your Awoum. aro added to the .for each a aeprhemNofWhg period that tc. Wirltrrw fktstra your FINANC CHA o is teal Fl tof10.5 a Wne0ncewhceharge, a -Ifthe once "Or a lcatio d. -If to you Puristic ol ins rated) h bet then i cMrgs s thous g0hem 60, the we whl ooN ocauthntranof that amount r amout from the 10.60 mlNmun and the cltference will be hNlse to aro putcMw ofoupr?a?vant. n td do to s~ Froda aer any a all Muncdu?roaerw the 2. Avaryag g 0aWivwa IWaeked adblWmWdplyinp the New 14Ntwa1. a. Rrunce =$= l e of your account le.g., coati advarhce, purWOe, apedN transfer, end "pedal puroha-1 by the cerreapartdrg daily parieclC mebl that Me been d of each dey r4rirhp ProviewlY 4%:-d to you. At the ;n the hHlkg period, the apply the dsNperbdc rate let each se(irherht of your account to the dally balance of each aeprrn. Then at the end =,W WWng perise, we add p the resdro of these NIy cmr to emus at your pedudc Wrurtce drgp for each sepnan. We add up 1he results from each segnrorrt to eMve at the total pstlodc Wrurce charge to your account. To get the delyy balance for each seprrent of your acca rat, we take the wpmhg balance fen each seOlh.nt and add anyy maw transactions end an p?eriods ikurrs charge coh ad an the previous day's balartce for cut sgphaht. We than subtract my paymen=W raAn pallw of tha ay thn ere allocated to that . This gives us the .4d arate dedy balance for each setirtsrht of your account. However, If You Paild the New ,now Ntlwwt a your previous statement in full lot it your now balantw row zero in a crow ¦moram), new tnnseeli- vdich pwl to you purduw or epedeI purohaw sagr . aro not added to the dewy balarxxe. We cakaiate the awrpe NWy balance by adclrg all the fitly balances together and dvidrg dresum by tha raariher of the days in tlro uxrrent WMng cycle=. To caiodsta your teal Ansrhce charge, mraltl yetr . daily balance by the daily oedodk ran aM Y the raenber of dsya in the billhg paced Due to rearing an a dally bash, there may be a aright wrhnce batrwm cis colo"ade and the amount of Wrunce du !.,I ly a:-W b. Ii the cads Z or N appear an the het of this statement row to 'SNance Rate Applied To,' we muhiply the 99035 kaperM NaWe: Your lreymeM tWN ba created to Yam eeeaert as ai the date vw recaiw it proylded you cad the bottan ponies of tale atatemem end yar crock in the enclosed rerrittertce envelgro, end you WYrrherM h revived In err prwwig oerrler by 3 p.m. Peyrwme addrewed to err VIryNe or Owr¢ Praceaekg comer mat be rowived w e bnsineee day 6Y 3:00 p m. ET. Peymsms auffiesase to err WeNhhgle Proceaakg comer mart ba received e s Mulrten day by 3:00 D.m. PT. Plww Wow at loch 9w 161 btnkur day fen postal deWwry. Veymana repMwd by u et my other bootie or In ertodter krh meY rr be eredted du wrw deY wet rocNve tltwr. Our brWww day aro MorhdeY MragD 6atudeY, extludrtg hodday. Phew do not use st paper cam, nc. whin preparing your peymeM. When you send w a dheckiq, Ya atMhodze u to make eons-rime ebctohic hansfer debh /ran your bank secant br the amour" o rime dteck. THa utlgdznbn applies to ell daclu recNvod during the NNkg cycle even i1 amn by wmrxxhe Nw. It we draw! proton the transfer, ya eumrori:e w to make a charge agalrror your bank sccetnt Wrhg aro check, a paper drat a odor hem. 034 Your Kmart MasterCard" is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. r tb^.3 ??,?-r? Ira GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 VI . 1K Account Summary Previous Balance $3,014.23 Payments, Credits and Adjustments $90.00 Transactions « S.00 Finance Charges 366 New Balance $2,%7.89 Minimum Amount Due $89.00 Payment Due Date March 19, 2004 Told Credit Line $3,500 (Non-Kmart/Cash Portio n) $3,000 Total Balance $2,%7.89 (Kmart Balance) $367.11 (Non-Kmart Balance) $1,152.22 (Cash Balance) $1,448.56 Available for Kmart Purchases $532.11 (Portion available for $399.22 Non-KmarNCash Transactions) At your service To call Customer Reletions or to report a tort or stolen card: 1-800-830-7524 Serra pa7mmts to: Send ingairia to: Attn: Remittance P-sing Capital One Smvim Capital One Services P.O. B. 85184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 034-0502 JAN 20 - FEB 19, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 29 JAN PAYMENT RECEIVED -THANK YOU $90.00- Finance Charges Please see rerrorresidefor important information rn Bdma rate .rtylydM P-A, C )aslm6 talc APR I?1? KMART PURCHASES $367.56 .D4740%D 17.30% 55.40 NON-KMART PURCHASES $1,153.65 .D4740%D 17.30% $16.95 CASH $1,450.35 .04740%D 17.30% 921.31 ANNUAL PERCENTAGE RATE applied this period 17.30% PLEASE RETURN PORTION BELOW WITH PAYMENT. C 0W 0000000 7 5307582077035141 19 2967890090000089006 New Balance $2,%7.89 Minimum Amount Due $89.00 Payment Due Date March 19, 2004 Total enclosed $ Account Number: 5307-5820-7703-5141 P4are pri,rt ma 1mgaddretr and r-,nail ckmges belmo wing blue m Mirk ink sn«t Apt is City state Z1P Home Phone Al.- Phone #9005142891197325# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 111tu11ut1ut11n1nl rn 4529 ROLO CT Richmond, VA 23285-5184 MECHANICS13URG PA 17055-5889 Please witeyour "count number on your check or money order made payable to Capital One, F. S. B. and mail in the enclosed envelope. I- S N? 9 O N periodic rare. To obtain the average daily balance for the biNOg died covered by tale statement, we take the beNmnp balenee of each segmen each dey, add my new Irenaecdou to each aegnem and subtract any payments or credits. (It the mtb H eppeen on tls from oft Mf nstemem rod 10 'Balance V. Applad To,' we ales subtract any upNA 11- de Nor Included In the balance of each sopmmt.) Thin divas es de dopy 1=- of each .egment. Then we add ry all tG daily baance. roc each sepmer.t far the hllkrp ppeer?iod and dividetdaby the last amber of days b the Dseng period. T dives u the evenpe dexy balance of each segnem. 3. Meat hewNags Ralsa IAMB, a. The term 'Anneal Percentage Rate' may appear ae 'APR' on the load of this statement. b. If the code P Milano), L 13-mo. LIBOR), C ICertlilcne of D-* tl, or S IBmkead Prime) appeam on the fiat of this rest area ro the pedode rsteW, tM pedock raru and co-panning ANNUAL PERCENTAGE RATES may very Pa lady and may increase or If--se based or the stated indices as found in The Wib Streit dadosed to you. ?ounmN, plea the msrgM fbctipprey= These rlarges vdY be e nn the Wnn hay of your tlukg pedal havered by tour periodic netemem endng In the nantlr Jenary, Apd, JWy and Odaber. c. If the code 0 forms), F 0-mo. LIBOR) or 0 13-mo. LIBOR Repriced Montldy) a mf on the ham of your aimranwn rots to tla diode nab), the dock rnu end wrreaoordka ANUAL PERCENTAGE MTES met' very rrenthlY • may Increus or dserease baud m the stated indices, as toed In TM WiN Street Jo"" pion the margin p r,9 cIaaed to you. TGu the gets wall be efisellw m the fret day of Your tlRng period each month. d. Auasmsd of Left, Ow *A mul Relined PaYMd Feu. You acceum WN be astesesd no more than two al the lees listed here that occur during any bilbg psded. Urdw tl.e term of your nrtomer agreement, we roserw the right to alve or not to aasese my ten witGU prior notification to whlaux rrNvkg out right to in ass r the unto or similar eea at a Inn Nme. 5. I, Asesml. If. membeMip be appears on." from of this neternem, you hew 30 days iron data this mtamam was mated to you to avoid pa the fee or to have such fee credited to you h ts you ea your amour. Dwirfp this paled, you may cor.tkxme to we your atxam without heNrg to pay the membership tee. To car.cd your aceorm, you mull rotHy sew by caNkg our Custaner Relatlrxr Depanmem aed y you New BMstwro' k fill bxtludirq the memberstep tee) Prior to tla end of the t1drtY day period. 6. H You Class Your Asesrad. You can regcast to doss yyouour secant by charg our Cu arner RaletI,- 0epenmem. You mums. destroy you credit wdhl and eccam amen d.ecb, carcal all pre r1;bA, aid case aka yax eccant. If you de not carctl pm eeuhedxed Nnp anargwnems, are will consider aiPt of a charge Your authorization to re open your accent. Addtima'Y, Your eccoan wits rat be c, uma you pry ell amoula you owe u kdurdrq: arty you hew auMed:ed, Yata..ce derges, of =c1.17. odknit bus, mtemed peymant feu, cash advance feu and arty otter feu assessed to your eccona. You are resparsibb fa dose amounts whelhcr they type:, on your account at the dime you request to dose de ecwumt or they am intoned subsequent to your repast to dose the account. This may awn in drantes appearing an you account she, you haw your accost it it has Nras0==For example, f you sutladxed a purdnse m and we recelw the 111=1 tl. I. the merchant after your eccou d has been cbaed, Veto account will be reopened, the amour of the eMr1gq?e?rNN be added to your account, aid yyoouu WIN No respor.alble roc peymem. If there ,Is* memberddp fee for your accoun, the fee to centlrsa to be chanted, to the anent parented bydelaw, until it, .c. Glance has beenpall In kal es Wned above. 7. ?fao? Yerf Aaeaud.V I card t accaton cannot be naedkr rnractbn rrh arty Me met gambling tnrasotbn. H. IMifa Mart FlaeYSria tlw I Ostweralsn. When you provNb s dock as payment, you ard.orize u emar to eau Mromedot firm you click to make a arotNne electronic fund transfer from Veto bank account or to Pashto the pa ymem as a dock ternsaction. When we to intomaikn from your deck io make m electronic ka.d traeab=W a may G wiInca = irarn. your bank accent as u de unre ley we recdw your payment, and you w1B net receive your deck back from your Reancial Irrtl[utbn. BILLING RIGHTS SUMMARY fin Cate Of Exore Or Guardians About Your BYII It you think Your To la wrap, or if you need more information an a tranaclbn or bol, waft ro sea on e separere Neat as soon u paaaafb at the sddrose roc ir.guldes Haw. an the fan of thfa stnemem. We oust hear from you no later then BD days shot we sam you the Woo bill on v"ch the enter or probfwn red. You can eats our Customer Relations number, but riding so will trial =k9_ dghta. b ='=' give rs tla Iollowop Your name mnfber, the Oder amorm =Fm a deacriptlmn of the error end an e, n My you belbva =.r is sal etor; a it ymore infanta , a daudptlnn of IM hem you are ensure alxou. You de trot hew to pay any ameent = vva are Inwwloatlro it, but you ere sank led ro pay the per. of your bar that are not In quotation. we invettlpne your quanim, we corset report you as definquent or take any action to called the amount you question. t,t Special Rule For Credit Cad Purchases if you hew a problem with the quemy of property or serNcea rhea you =whd with a credit . and you live tried in good faith to corset the problem with the merdem, you may have the rid.. not to pay dire ra "no amount due m the pr nY a se. You hew tide yy wian the purchase price ton more then protedian all 150.00 aed the purduaae ton ma6 N your home auto on within 100 mdse L7: maNkg adnese. 111 we own or aawnfi da mncii we malted you the sa purahaeas am cov ad tog roc the p mpa tty, oor services, ere covered m of emoan or bcado of purdau.) Plasm remember to Ngn all mrreapadmce. t Aces not apply to consumer a.-trod!! card eccants I oast, rat eppty to busk ess n.-credH card ecrxxmta One supports infonntion privacy protection: we our n One Is e Is a 1 abre.mm. rally registered service mark of Capitol ancial Oster Corporation. All rights - reserv rved. a 2003 One OILOLBAK to. Qua Pslsd. You tool love a mirdrr.un prate padmd of 25 days witi.wx finance du m row purtthases, new balance transfers, new special purchases and new other cl.eIgoe if you paY your tool 'New Balance', in accerdance with the hnponem Nuke for peytnente below, and in time for it to be areMed by Your next statement doalng data. There b ro grace peded nn cash edveroas end apodal harobn. b eddtim, there b ro grace period any tnraactbn if you de rot pay the Joel "Now baance.' b. Aasming Fkrfrnaa Chary. Traesacfiana vddch are not su6)ec1 to a pnce period ere ssseued loathe d 1) from d.e date of tbe traroeetbn or 21 from the date ate the tnmsetion Is proceseed to your Accent or 31 Iran tbe Wm eNer.der dsy of da arrent tilling ppeeded. AtlditlpeNy, it you did not pay the 'lbw Balance' irstn de previous bagrg pedal In ", flr.sr.ea derlp cmtNse to scene to your upaW 1alwrce urNl the .pad bslarce fa paid in full. This mums dot you m.y rah owe banes charges, even if you pay da aniro Now Balarae indicated on the frwH of your slatertsm by tie rots natanent dseinp dote, but did not do se far the previous maM. Unpaid finance W ==. to ti? bb 0-9-M of your Account. tc. . far each Mkg period that you aernuti fa to a fnance, charge, a ndnmum taal FlNIINCE rqa E ofn$$0.50 wo bbe IINmposed. Ifythe periodic rneb ba than 10.50, we wig subtra.1 will I -111 .I. ..dart from the $0.50 *,1.- and the dffeance will be b. to the ptooGse se?nard of"your scsm. t td. TahMse II vessel any or sit finance, aris va Weconerve M right ? to net asseu any or finance, dargu for any gluon 6lo.q ppeedriod 2. A= W4 adesse IbAtder? Nato Rrahwsl. deny e. Rnwae =1= tat Y account Glance of your r ah fad , purd.afe, a? al tanaferrnelal tl.stahai been 1 r teq.edng M Imp y dine tG biMnpypMod, we apply ds dall_yype orkdc ate?br each =.0=1 In. aM oft d..krg par.,- add up tie resubs of these huby 8.1 j1 to er= at your periodic Wrunce daryp far oaf aegmen. We add. the results from each segment to arrive at the total periodic seance dosage roc your amcaum. To pat the lipyy bal?ance roc sech sepnam of your account, we take the bednnog bafance for eseh aeptrmn and add any new hanaaotbu and any Dsdode foance large cNadaled m tls previous day's a. far that sepnwt. We than wbtred any payments a credal paned u of tlat day that are eaouted to IM segnrwn. This dvu w off separate dsay Glace far esdf gmera of your arxarn. However, if you geld the lbw Babssn.m Hawn on your i"ts"" nnemem in full for It your raw bell was taro m a credit samurai, new trarwdoxs which p? to yea purchase or apedal purtdau ae0r.ens are rot added to ihe daWY Gbnces. We calculate da awerpp t' dvldmp dellyyGlan the at by 'by the ran.bedepdding all therof Gfaroes topelher and the day, in tl.a current ha6.p cycle. To calculate your W" 9nstce rnfrge, your average dally balance by the dally dadc rob aed y the number of deya ht tla tlNkg peDue to rounding m a dally Gala, dare maybe a alight variance beirveer.: ra .it- and the amount of Wnerce daryo smelly assessed. b. If the cede Z or N a;:",* on ds from of this statement next to "Balance Rate Applied To,' ws multiply the 97905 Im*rfertl khlba: Your payment wYl be credited t0 your access as of the date we receive it, provided you seed tie bonsai ponbn of tlda stst.era aed your deck rat the er.duad rammarce mMape, end you payn.era le recalved In ato protasekg caner DY 3 P.m. Psymerde addressed to oto VlrgiNe or Gorda proceeYrg semen mot be recNwd m a buksee ley by 3:00 V m. ET. Pap..ems addressed to ax WeaNnpton prmeeselnp renter mast be red m • farsY.eu ley by 3:00 p.m. PT. Plsese Now n ban aw 151 bWrw der far psetN deavery. Pey+r.wue reeaivad by use et my otlar laaetlan or M eradar bon rtay rat be creMed Me rims day we recNw them. Out DuNneu Mye are Manley thrard. Satadey, exdudrup hmNdeyc. Please de rat eau a paper d'q, arc. wi.ert preparing your payment. When you aentl u a decklsl, you sutlad:e u ro make a one-tone electradc transfer debh hem your bank arcaun far d.e amass of tG check. Thii eudadzatlon eppNee to all checks recNved dudno da being cycle even it a.t by c.teone else. It we cannot procou the traufer, you authorize u ro make a charge egNmf yax Dank anxorart uairg dire deck, a paper drat or other em. , t 579700 KAREN HARBOLD, Walk into the dealership with your financing in hand! Get up to $3o,ooo of financing with no dealer credit applications in just 3 easy steps: Let us know 2 Get your 3 Head to the you're interested. Approval Letter. dealership! Simply apply online at or call Monday - Friday, 8 a.m. -11 p.m., or CapIfafQM• auto finance' Saturday, 8:30 a.m. - 7 p.m. (M YOUR PERSONAL RESERVATION NUMBER: 0062716744-04658 cone' Account Sunmharv Previous Balance $2,967.89 Payments, Credits and Adjustments $150.00 Transactions c $.00 Finance Charges 140 na New Balance $2,857.97 Minimum Amount Due $85.00 Payment Due Date April 19, 2004 Total Credit Line $3,500 (Non-KmardCash Portion) $3,000 Total Balance $2,857.97 (Kmmt Balance) $353.52 (Non-Kmart Balance) $1,109.55 (Cash Balance) $1,394.90 Available for Kurt Purchases $642.03 (Portion available for $495.55 Non-KmardCash Transactions) At your service To all Customer Relations or to report a lost or stolea arc: 1-800-830-7524 Send Payments to: Send inquiries to: Attn: Remittance Pro-mice Capital One Servica Capital One Sw i- P.O. B. 85184 P.O. B. 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 COLD MASTERCARD ACCOUNT 5307-5820-7703-5141 FEB 20 - MAR 19, 2004 Page 1 of 2 Payments, Credits and Adjustments 1 06 MAR PAYMENT RECEIVED - THANK YOU $150.00- Families in PA EARNING INCOMES UP TO $43,240 per year maybe eligible for low-cost or free health care coverage FOR THEIR UNINSURED CHILDREN. If you of someone you know has a child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost or free health care coverage programs in PA. This month you will receive your 2004 Guide To Benefits, which sets forth all the additional benefits and services you may be eligible to receive this year. These benefits and services supersede any benefits and services provided in your 2003 Guide To Benefits or other additional benefits and services previously communicated to you. Please read and retain for your records. F-mrlce Charges Plearefare seliA* Important rrrfmwiatlon to Blots rde yflirlta P1.4. C .!P dnd rate R KMART PURCHASES $360S7 NON-KMART PURCHASES $1,131.70 .04740%D 17.30% .04740%D 173016 $4.96 $15.56 CASH 11,422.75 .04740%D 17.30% $19.56 ANNUAL PERCENTAGE RATE applied this period 17.30% PLEASE RETURN PORTION BELOW WITH PAYMENT. CA~o 16e 0000000 7 5307582077035141 19 2857970150000085000 New Balance $2,857.97 Minimum Amount Due $85.00 Payment Due Date April 19, 2004 Total enclosed $ Account Number: 5307-5820-7703-5141 X-pmt mmlm6 adke. -der a-mail champs below crmr blw or black ink S-t Apt # aq Snm ZIP Home Phone Al-. Ph- Email Add,- #9008042891197324# MAIL ID NUMBER Capital One, F.S.B. m KAREN OO RBOTD P.O. Box 85184 4529 R Richmond, VA 23285-5184 a ! MECHANICSBURG PA 17055-5889 rn _ 'nlhlah'lanlsl'h II IIII?I II1?111 r1'lulu'hr'Irr'nlnl'Irul ° ® fhhhl?'url'Inrhlr'rrlr'hr ltlr?u'r'rrlrlrlhh u'rllrluutll' Pleae tariteyour account number onyour chak or money order madepayable to Capital One, F.S.B. and mail in the enclaredenw49pe. r Go buy the car you went with no worries or hassles! You've been pre-selected for up to $3o,ooo in financing. e NO financing hassles at the dealership a NO dealer credit applications a NO application fees Apply online at www.carfund.com or call 1-800-304-4854 today and take the first step toward owning the new or pre-owned car you've always wanted! Private Reservation Number for KAREN HARBOLD: i Ir llllllllll! 9 O N N C-. -A,i w nay apply. Thk obis u -maruh ble. Yours ace it huwry mid be missed by Gphd Ow Aunt Rotate I. ands m paoms your appbrabn and maa. pan soodng tarykemrnn. Appliaou rhdl trot haw any adsnng Cspid One ...maul .hat ., airbin 30 days u(applying, orbs. ?) 60 or mom rkp ddinyumt or bJ oalimk (dohs 159h or 3100 -,I' -di, lief,). The.noun, dyour finurca g will b- laved se edit and app6mrio..imria. Any bankmpaiec Hoch drove dudratgd on your crdir bureau. Minimummoorhly iwame 4$1,500 krspird. Ny-, axntvx eed iii%rdgmas mnmhlyinmme. Minimum dawn paymmr d S I,OW tin oah or vkh-de ar manu6auaers .abate i. oaaryhred 7 d .moan<6wnmd man fa•. u kaa f 10,000. L,m-m-wlaae mnskriow apply Yes map k ae Ion la yv. of age. Applion. man lac a wild tams addl.. -khln the Uniaed Suao at d. aim- ofcomtarz. APO, 171'0 and P.O. Box add- arc na 4ibk hn this oRs. Vehick rover be -d and maintdrad in d Unload Stm. ORs k valid far dI ondek (1999 and wmez) asdad'nag Kia. Su.aki. Oldamobd-, Mitsubishi. D- and dkcowimall abide lion. T /mdag nx.ictiow apply- apprwd padoge for d-mik. Th: ads I. nw valid foe mama-yds, mobik home, PVa, mmm-rcial ur rd,%.d.d,dae and buss. This ofkr u rota valid is AK. Hl and U.S.- d-pad-eat ectritodn Program sauaasow apply. O 2004 Capial One 5-k- Inc Capital One it a kdsdly nginad ssvxv mah..Ul dill. -awed. W6271 6 / 44-04658 Please cad during the hears of.. Manday - Friday, 8 a.m. - 11 p.m., or Saturday, 8:30 a.m. - 7 p.m. in Have this number handy when you contact us. I -a. Draw Mind. You will have a mhnimun grove period m new 25 dap wlthcen 11- darya m new ..it 8 bar 'I- tr"' new gsedal purchases ..it new m changes if you payyour 1mal'Naw Balance', in accordance with the mporlant Notice for payments below, and in time for it to be crecited by your ncn'"=am dosi=4=.. is m grace padod wah advances and In Zion, there Is no prate period =transaction transaction if you do man pay the local 'New balst ce.' b. Aaarzrirhg Firhw Olosp. iraraectiaa rvhrid, we not shrih)ect to a paw period are aasesaed Ikhace throe 11 irom the dste of the irsnactom or 21 from the date the trorhn'I- is prOCeaesd to your Acc;MV.' from the first oaleralm day of Me ourmht fit paArldtionsdy, it yyoauu Flat not pay the 'New Balancef?man the previces bliirp period In full, finance charges continua: to amnee to your unpaid balance mall the unpaid balance is paid in full. This means that you m. nil rove finance chows, even if you pay de sthllre New Balance indicated m the team of your Feetemad by the newt statement dosing date, but did not do w for the previous =:Z paid flnsnce chary. am added to the biof your Axram. t c. Mdwsst Rrraa . For esM b period that your account is to it finsnw dances, a mirhknhm total FINANCE CHAM3E of $0.50 will be imposed. It the total flrharhco rlarya react ban the a anon of you periodic stela) a lees than 50, wa 1 eubtnm their eahoud nom the $0.60 Mdmun arhd the dflerence will be bia.d to Fla pudhaw wpns?H of you octant. td. Taapstary Raduallsm in Fkasas 4lnaga. We mwrve di data a Hatt a- any or ae finance charges for any I en 2. ... Osq giro. fhwhmft Nwv Put, alwwl. a. Rnste, csrye Is calculated mdtiolvkhg the daily periodic rate. To obtain the average daily balance for the biRleg dod covered by this atateamem, we take the begs balance of each segnarc =,. day, add any new transetdans to esch and c any paymema or credos. (if the code N appears on the iroM of iNa statement rest to 'BZ.F c. Rate Appded Tc,' we ales autrract any unpaid flnsnce charge kcluded lo the balance of each =This gives w the daily balance of eaM segment. Then, we add up all the daily U." for each wgmem tar the billing ppoe led and civil by the total raanhar of dap in the biihry period. This gives us the average daily balance of each segment. I. 3. Atrasi == a. The ams ge Hate' may appear as APR' on the faced of this statement. b. =Ode code P Palmer), L 13 me. LIBOR), C ICeeffiwte of 1N?p I, of io the peA) adk ramglon 0 pffrom of rates and wrreepor nnIANNUALresw or PRRCENTAGE IIAT26 may vary qusneriy en maY Inc decrease based the st.ted Ind aas, as food In Th. Wah, Sbeat Jcurcel, place the margin ppmviasly disclosed to you. These Flanges will be efbcti w on the great day of your IF Idng period covered by your periodic stateroom ending in the rooter Jarasry. Apm. July and October. c. If the code D Writes), F 11 me. LIBOR) or G 13-mo. LIBOR Repriced MFa6%) appears on tloe horn of your statement cee m the pModc natal.), the pedadc rat. aril co ANNUAL PERCENTAGE RATES may vary in thy andmay incmaw or dxmaw based m tM need khdcea, es food M The W1a Straat Jouwl, plc the merdn provbualy dacbwd to you. Thew changes will ba efleetive m the first day of your billing period each month. 4. Aaawsmrd of Leta, Ovarimit stet Relented! Payorhstd Fan. Your accoun WO be assessed no mom then two of the lees lined lam tht occur duury any bildng period. Under de terms of your cZ=. agrwmam, vas reserve the right to waive or not to assen any fees withan prior ratification to u without weIvkV au right to sawn the soma or Yuman -r-'s o a later time. 6. Van Aswrsd. If a membamNp t haae appearo m the from of this atatemeM, you ve 30 cep fropamylo the dine 1' state mad waZ:, iled to you to avoid p the h, to have such credited to you it you cancel your scam. Darirq Ns period, you may contkue to use your aaxahaht without having to pay the membership be. To uncd your account, you mast rholNy us by ceNkry our Customer Reletlonhe 04.. amt pay you 'New Balance' in 1rA lexcha ' Fla emisemlYp bet Drior to dm and of the 1Nn, it., period. 6. M Vau Cbee T_ Aeaahsta. You ten request to cow yvoouur ecccerd by wlflrry our Customer Releticer Depsnmem. you rnwt dastmy per credit cardiac) and accent axon doxks, carcal ail preauthdzed billing, aM ache your acco nt. If you do not worm, prm=e ed OBIMq arrange $, we will consider on to "aopan your =0'14=1 ? euthodzati , your account wi8 rest be domed amfl you pay all emaams you owe us Mdudrry: any trerhaecllae you have eudarized, flnsrhce cbargea, pen due few, ovedinst less, resumed paynrent ieea, cosh ad= lie. end sty other low eneeaed to year accent. Vou are reapcesible for Mese .mama wher they appear m your accent et the time you request tothe don the exom or they are inhourned subsequent to your regtheat to ewe the accotnt. This may result in charges appearing m your account after pis hove your axadm If Itaponcho. from a ' already been closed. For example, 'f you audedzed merchant and we rxdver the trerwcdon from the merdsnt after your axtsm has been dwell, your accaan will be reopened, the motor of the chirrQpee?vriN be added to your eecoant, and you wFl be rnponalbie for Payment. If dareis e rtemhership fee for your acco act, the fee will cmtkee to be dun , to the estent nmtteat by law, udll the once .cant hee boon gala in full ee dp8wd bow. 7. Vas Aaawsta.Your card or accent cannot be usedM norarwtim wftn any Internet gombibhp trame,o ioro. 8. MAI" Abstd Elead ards G ask Oarwasafm. Whhen you provide a duck es P.,=, ou euthedze us ehhr to we Mfom lien from k m make s one-time electronic had transfer tncen you bank accaurd or to piacm the payment as a deck itimesmion. When we use info mutbn from your chick to make an electronic led transfer, f ocls may be withdrawn from your bank aax:am as sum as ft sema day we recelve your payment, and you will not rocelve you r check beck hum your flnemrieI IratitWm. BILLING RIGHTS SUMMARY fin Case Of Enron Or GuMlae About Your 800 If you dank your rid is wrong, or it you reed more infomutlen m a transaction or bill, write to us m a separate sheet as soon as pwMble at the address for nquldo shown on ft hart of this statement. We must It.. from you nc Ialer Men dO dap after we sent you the ern bill on which the error or problem eppesaid. You wn cad our Customer Relations amber, lea doing w will not Preserve you riyns. kh your letter, give w th::44, khg atbn: your rums and accauH rsnober, ar .roam of the =" a description of the error arM an wplaastion, If of Whyy pis believe flow is an error; a if you red more inkmmatlon, a d.w'Pdm of th item you are unsure about. You do not have m pay any amount In Ion'= we ere invsliostlnp it do you are nil oil led to pay Fla pans o1; our hKt cut are not in questim. we lovaatigere your quwtim, vas cararot sport you as delinquent or take any actlon to cdlect the amount you ghr.tim. t,t Special Rule For Credit Card Purcheses If =t ve a roblem with ,=c y of property or sehat you purchased rodh wen end you have trod hn goodY01h to correct tle pobem vdM the mandam, you ma have MB right not to pry the -.ng amrem des on, the pr sty or services. You have this protection only vdoero the pucbaw odce w. home more tban $60.00 and the purchase wee rose. ir our mete cur with 100 miles o1 year mdfirry addmss. (if we own or operate the merchm, or if we mated you tha advertisement for the p rty or service., ell pandas. am covered regaFill of amaum or location of purchase.) Please remember to sign all correspondence. t Does not eppty to consumer noncredit card accocaus z Does not apply to business non credit card accurmn Cepitel One augrone inbrmadm privacy protection: see our wabalte n wnrw.wpplIUbns.ccen. Capltel One Is a bdenlly mad service mark of Capital One Rnancial Corporation . A71 dghm reserved. a 2003 Capital One 01 LGLBAK by the cc= Ashy periodic roots) that hoe been C bulk y to you. At ih end of each dey Flt imp the MBkq perod, we apply the dwy periodic rate for each segnaM of your ecccent to th dopyy Yalanc?e of each segnhenn. Then at tha end of the hillkry period, we add up that resale of those daily calculations to arrive at your periodic finsahte charge to each segmam. We add oq 1he reshrits from esch aegnmt to aid" at the total Periodic ==,j- To t the rhNyy balance your secant, vve eke the bagrWng balance for each segment and add any new trsaactlane and enyperiodic aruram chargo celaxda,ad m the previous day's balance *or Met segment. We than sddnot any paynrerd. a creels ported as of flat day that aro .fixated to tht segwnt. This gives w th separate defy balance br .sill segment of year accoasd. However, it you ppo?lo tha !low Balance shaven m you pre vices statement in sal for if you new bahrce wn :ono or a cruel amoudl, new trarractlas vdrich pest to your purchase or .{seal purchase wgearns are not .ddeat to the defy balances. We alrxaate Fla average dail y balance by adding NI th daily bids s topalher .std ,,vz,, the sun by tha comber of the dap in the current bfiilng cycle. To calculate our total %-a dung., mhat,ply yced average daily balance by the defyOise t rate sad by the manber of dap in the billing peri o roudng m e daily bash, tloere may ba a edgM vsMnca between this wknrlstim ad the amount of krunce chrge actwdy .wassail. If the code Z or N.gown m th from of tale statement neat to 'Balance Rate Applied To,' we multiply the 946bS r? envelope, a? your paymoent h newlmvad in ourxara ea of th date we roeelve h, provided you .end the honour ponbn of tNa stateroom and your cheek in the eraiwed by 9:00 m. ET. Pe proceaskry coral°r by 3 P•m. Payments addrewd to ow Wrgkie or Georgia praceWnp comer mrsr ba racelved m a baairhen day Yperms edtlreased to our Washkhplm prxesalng comer mhst ba veil m • hoskheu day by 3:00 p.m. PT. Wesse .hove st least five 16) bheakhws dap br laaatsl tbflvery. Pepreme rewlved by ace et enY otlar locatlon a In enatlrr iomh meY not bs credited Me same day wa revive them. Wr DuNrren dap are Mmdsy dnargh galwdeY, naludrhg hWdsp. Plww do not use at paper dqs, roc. vdhsth propemhg your payment. When you send us e deckle), you autlrori:e us ro make a one-time alectraric transfot doll iron your baba accent br tie emr>url o the cthwk. Tali authori:atim applies to all clhwb received durkq Me Mdkhp cycle awn it amt by aortaone Nse. It we umat proton the transer, you euMOrize . to hake a dhsrga egrinsl your bank atcarrt ualng the check, a paper dash or other em. =02095 CapifafQne• ( auto finance" KAREN HARBOLD, Your preferred status can take the hassle out of financing your next car. Dear KAREN HARBOLD, Page 2 of 2 Financing of (seat news) As a valued Capital one cardholder, you have been pre-selected for Up i0 $30 000 auto financing of up to $30,000 through Capital One Auto Finance,' our auto , financing subsidiary. No prepayment If you're thinking about purchasing a new vehicle there's never been a better time. penalties The benefits of our preferred auto financing package include: . Competitive rates a NO prepayment penalties No dealer • NO credit applications at the dealership credit applications Plus, your preferred status allows you the luxury of actually walldng into the dealership with your financing already in hand. The prestige of your preferred status means that dealer credit applications and hassles over financing are a thing of the past. But that's not all. You can also respond to this exclusive invitation from the comfort of your home. Take advantage of this special offer by visiting us online at www.cwhmd.com or calling us toll free at 1-800-3044854, Monday-Friday, 8:00 a m.-11:00 p.m. or Saturday, 8:30 a.m: 7:00 pm. (Fastern time). But burry, because this offer won't last long, Sincerely, Alw Bersor1'5A" -- Senior Vice President, Capital One P.S. Your axto,/xawch jg of up to $30,000 with a competitive APR awaits you. So visit www carfund.com or call 1-800-304-4854 today, W tawwforadditfond imormatton regarding tbt, ofec Reservation Number: 0062716744-04651 Have this number handy when you contact us. Visit us online of www.carfund.com or call toll free at i-8oo3oh-4854 Monday - Friday. 8 a.m. - 11 p.m. or Saturday, 8:30 a.m. - 7 p.m. (Eastern time) CaipliW(QV'I auto finance" ! ! !! ! tt? ! ! ! ! ! Certain conditions may apply. This offer is nontransferable. Your credit history will be reviewed by Capital One Auto Finance in order to process your application and must pass scoring requirements. Applicants shall not have any existing Capital One account that is, within 30 days of applying, either i.) 60 or more days delinquent or ii.) overlimit (either 15% or $100 over the credit limit). The amount of your financing will be based on credit and application criteria. Any bankruptcies must show discharged on your credit bureau. Minimum monthly income of $1,500 is requited. Payment cannot exceed 18% of gross monthly intone. Minimum down payment of 31,000 (in cash or with a trade or manufacturees rebate) is required. Total amount financed must be at least $ 10,000. Loan-to-value restrictions apply. You must be at least 18 years of age. Applicants must have a valid street address within the United States at the time of contract. APO, FPO and P.O. Box addresses are not eligible for this offer. Vehicle must be owed and maintained in the United States. Offer is valid for all models (1999 and newer) excluding Kia, Suzuki, Oldsmobile, Mitsubishi, Daewoo and discontinued vehicle lines. Term/mileage restrictions apply-see approval package for details. This offer is not valid for motorcycles, mobile homes,RVs, commercial or salvaged vehicles and boats. This offer is not valid in AK. HI and U.S.-dependent territories. Program restrictions apply. ® 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All tights reserved. 946bS 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve, 1 034-0502 Account Summary Previous Balance $2,857.97 Payments, Credits and Adjustments $110.00 Transactions + $.00 Finance Charges $41 RS NmBalance + $2,789.85 Minimum Amount Due $83.00 Payment Due Date May 19, 2004 Total Credit Line $3,500 (Non-Kmart/Cash Portion) $3,000 Total Balance $2,789.85 (Kmart Balance) $345.08 (Non-Kmart Balance) $1,083.11 (Cash Balance) $1,361.66 Available for Kmart Parehases $710.15 (Portion available for $555.23 Non-Kmarr/Cash Transactions) At your service To call Customer Relations or to report a lost or stolen card: 1-800-830-7524 Sead payments to: Send inqu'uia to: Attn: Remitma Processing Capital One S__ Capital One Service P.O. Bea 85184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 MAR 20 - APR 19, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 12 APR PAYMENT RECEIVED -THANK YOU $110.00- Pittance Charges Pleat see revere tide jar important in, formation lid-. r r d P G_ r R ?,jIV N qtr/? rdr I . I trr AK KMART PURCHASES S35252 .04740%D 17.3096 95.18 NON-KMART PURCHASES 91,106.43 .04740%D 17.30% 916.26 CASH $1,390.98 .014740%D 17.30% 920.44 ANNUAL PERCENTAGE RATE applied this period 17.30% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5307582077035141 19 2789850110000083008 New Balance $2.789.85 Minimum Amount Due $83.00 Payment Due Date May 19, 2004 Total enclosed $ Account Number: 5307-5820-7703-5141 Sneet Apt. # City Snte ZIP Home Phone Al.- Phone ! #9011142891197327# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD miiiii P.O. Box 85184 4529 ROTA CT Richmond, VA 23285-5184 MECHANICSBURG PA 17055-5889 m 111111 111 111uLlife 111u1111u11tt1tdu111ut1 'ut?'?ut?'?uu't'ultlultlt?ulrlu?t?t'uult'Itluutl?' Pleare write you' account number on your check or money order made payable to Capital One, F. S. B. and mail in the enclosed envelope. Ptrmrprint,n h.lsidrru andLr--d han,rs ki aria, hi-or bierk ink. r M M 9 0 ?i N t wMl hew a mirntnun grace period n Srherhu there m new purduses, new . new aoeclal ourdrsea aM new nher ppeedorYc .to. To obub tine awraga dally Glarhu br the dlkq period --red by tfas netamarrt, we take the begunnnpp balance of each eepent each day, add any new transectlarr to each sm, end strbtreot any paymersa or credts. Ilf the code appe+a m t e prone of 1Na mmement nett to 'Violence to Appled To,' we aao nWtred any unpaid fthsee charge IMuded in the bNeee of each seq?M 1 This of us Me dally Glance of each segnxnt. Then, we add rp aR the deHV balances br eedr sefpera br the bINNq pp?er?lad end divide by the tnel mmGr of dap in the b11ahH pedod. This giros w the auntigee dally biomes of each segment. 3. Ammsi prntnars Rattle IAPPII. e. The lean 'Arsenal Peroaraage fate' may appear as APR' on the from of this statement. It. It the code P (Prime), L 13 me. LIBOR), C (Cenilrnte of Deposit), or S Ifamm.d Prrimol appeen m the iron of this statement sea to nG renlal, the pf= .1. and unesoedrm AIVAL PEACE TAOE MTES may wrymay wry quarterly and may semen or decrease based on the stated Moss, as bud in the Wag Stmt JourW, pies Me moron pnviaMy tNadesd to you. These dmrhoes aiN be eftectiw an the Yrn by of your dnrq period co-red by your pprioAc nstemma a dtq go""t ew to me penroac stela,AOE RATES ma the pe???t roesy and conesoandkq ANX 01-? vary mmtiay • =. an or dacrean fused an the mead Yrdua, as 7M Wall Street .buns!, pie the margin previoniv dedesed to you. Thom tdarrges will be effectl- on the arm day of your dung period each month. 4. Asansm a of Late, Ovwim* OW Returned !•ayawt Fw. Your acc duel vvill be aaaeesed a more than two of the fees limed hero that occur during any dHbg period. Undo the terms of your customer agreement, we resorw the Fight to wen- or not to amen any aria witlhonnt orlon notification to without wa1Wp our right to amen the rime or simper ass at a later time. 5. yar AasstA. If a mesdeMip tee app" m IM from of shit mnesena ycu Mw 30 dap ham the time this mmemem wu maHOd to you to avold psyNq the foe or to M- such be creAted to you if you cancel you axoum. During this period, you may eontGre to hue your arcwa without haying io pay the =1= Z. To cereal Yom acurrmt, you mum calks cur Cumaer Reatlor t Deeartmem N Yost tares year tiatlstar. re east raqusm to rose your account by a our Oumana Relations Uepantnem. You mart tfastroy Your credit urd1U and acuouaa ocean dacb, cancel rip presuderixoI It" hp, and uan ate year atxant. if you do not cancel preen tend h11ng a=:; we will consider you ecdpt of a daq}a yom to roapendosed account. Addtiaaly, your scceun will not Da ursP you Pay ell amouae pea ours us intltrdtq: any trensactlons you Gw anGrixed! Yrnsrnu dares, pens due tees, o-ritct tees, n t ;z psymort two, cash advance tees and any other fees aaaewsd to your arxaan. You are raspaWhia for these amounts wdhether time to tGY appear m vow octanLi,= dose t e accent or they eretl anWegerN to your regent to Oleo the a. Ida may result in your octant if H Ms Nrsedy been deed. Fore e, f you auderixed a purchase Han • merhinsns aM ,==,I racel- the transaction from the merrant after your account has been deed, you account wNH be nsupened, the Formula of the dmre wW G added b your etxant, aM yyoauru will G raspauaa 60, Payment. If there is a maMere* fee fa your accent, the fee will continue lobe chNX, to the exam paFINHed by law, until the account bMs7laance he been P in 1W as defined oboe. 7. flair yw Aatlwaa.Yw uN or account! carrot be uaedr In connxlion tNM aM, kuemet gambling transaction. S. IMM AMhI as payChesil Carminative. When you prairie a check ek as payment, you authorize us either to use abtmalon Kann you deck to make ¦ ae-time dactmric hod trambr from your bards accent or to =the voters as a duck transaction. When we use abmai so hen yourG wddr nderdt to mob an Neotn.Nc MW Fransbr, kaeL mail awn hen your bank account as soon as the some day we read- your payment, end you will not recelve your check Wck from your Ynonciel taMutim. BILLING RIGHTS SUMMARY On Case Of Errors Or Oueelbrn About Your 81110 If you tlYnk your dal la wrap, or if you new more inbmatlon m a iraWCllph a bill, write to us m a separate sleet es soon es poWde at the address for khgr sievot on Me hunt of Ws met ...t. We must he., from you no later tMn g0 hLyyaa slier we sera you the Sri bill an wlaelh =o=,, n • redYou G1 erg Cult m r ben %::d ldrq to Z,. rna blowkq preaerw yyour nom === r, t ri1hns. n wlh e dolor mbmatkn: anFoum o1 tin smpeeted error, a description of the army end an explaatbn, If peeps, of vdnyy You belle- there Is an offer; or If you need moro In=v on a descriptim of the pea are uaure atom. You do nor Mw to pay any amont st lost wile we era b-stbake N, but you ere mW of red Is pay the perte of your_ blL tier are et in question. wo Mw»tlgne your question, we .-I report you as dNarqustn or rate any actor to nxdbct the .moot you quetbn. t,t Special Rule For Credls Cam Purchases II=Z: problem oath the q:14 of properly or G- trod in p d?WM to cmrea 1M proMam wiM the mordant, you may M- the fight et to pay the ro' Ining e.aunt due m the propsrty a esMus. You G- Mla proteetlen oNy wboh the pudae roes moro then $60.00 and the prmiaee was our hone late or within 100 sties n your =:= we own or operate the morrdYnt, or illed you the ell-rdamn ern br tins prapsrtY or sarvkas, all purduaes ere --rod re gardees of amen or bcatle of purdmae.) Pleas rerrember to Ngn all correspondence. t Does nu apply to consumer nos-credit card -coots t Does not apply b scooters, not -credit card accounts = One su ports abmatim privacy pmedim: see our e at www. can. CV.1 One 1. e fadenally r ered service mark of Capital Ors F-ndal Corporation. All rights reserved. a 2003 Capital One 01 LOLBAK accordance with tlei Important Notice for payments below, end in stew for it to be credhad by your next stetrswhmi dosing date. There la e grace period m ush advarcea end opera, traebn. lo eddtlon, there is a grace period ransacti m If you do not pay the total "Now h. AsatW I Fbtgrw pup. Tnneectlar vwNch em not fOn d repot theeiradinxtlon from tM Mho the, tnm Yin Cabldat sdan la day museoftined a your Atmani or 31 from the fly, If you rid ran pay that "Now Bel nce pared. Ad. Balance hen the previous NOu dung paiad b full, ikarnu dary}es =1= to ou umapd the upaid b Hal. TMe nw d Gthat lance ud1 you may *0 owe Ynsnce dmgea, even if you pay the emirs New Vialenu Indicated m the from of are nam statement d not do ao far the previous month. UrpNd lYretnca chabut did rges are added to the hie sepnatrt of your Auden. t c. Mtinre PYrsrrn . For mch bof. period that you acoou t a to a finance cure, a mlrntwm to rAe E ofn10.60 will be Iipmmpeed. If the lesel tal F71MW Whe reavult! periodcsrae(.) is low thin 10 50,1weewlY n6trarilMtr amount from she $0.60 mtimun and the dibrence will be frilledtoaa?the Potion of?yotr Nourr W ?rny arrys n? e re for an fl? t d. Tght to not assess 2. Av= ?t a Rrranca rrs folmod nnMiplykr tfe ac l duly baam:a of eh segment of your accDum (e.g., uah advsrnu, pwchees, apedal transbr, and special purohses) by tine errespusdnp daily perodc resela) that hoe beam PrevituNV dadosed to you. At the end n E hare rutnrqq tie dIG1 perod, we apply the daily periodic rate br esM fegaent of your mcaat to the uia_Nyy Glance of each aegmam. TGn at the ad of the frier period, we add up 11ne ==M Mall uIculatian to arrive at your pedase e br each segment. We add up the =I=.;%h, seOrnan to arve n the total perbAc yw eccom. To ga de dailyy bN?ence each seyram of your oceans, wa tote tip eynnkq Glahes ins each segaherrt and add armty/ now trorwotlons and any coda lrmnee charge calculated m the previous doY'a balance br that aegmant. We uen suds, any paymeMS or cretin pulled es of slat day that an sNOCered to I= soQnan. T1YO yes us the esparete defy balance for dr seprnaq n your errant. Nowawr, If you oNd e New Balance shown m your previous momma" in full for M It yw eve Glance was zero or • credit ..well, new iranseCllens "kh put b you puns t:F or spedN purdese aepnats ere rat added b the dsly Glaees. We Madam ae a ,A daily Glarnu by edAng rig tG daily Glaees togetGr and dvldnq the tun It tG raanGr of the dap tt tie arremyMNrq cycle. To calculate your total ss, bdyYtr dWy period rem and by he ar il1, eerr oihys in the pared. Un to rwdng m a day be dare may be a sNya variance between -a ubhlsIt end 7G emamt of Ynstnu .chaNY assessed. b. 11 the co.2. oapp-ram the from of this aatemmt _.,o 'Bal._ Rae AppYed To,. we mutipf t. 91215 faptara 18ela - Peymems you mail to us will be credtsd to van accent as of tie dnten day we noMye it, Provided 111 You send the Gltoro pordm of tits stneme nt end your check in the errdesstl reattrance eaVNape end 12} your payment a resNved m our praeaakq txaaer by 3 P. In. LT 112 noon PT). Pleaes allow at least Yy 15) piston de for Pa lama roarived b in ba p Petty "ty yen by - at any odor bcstlon ot arty other tom may net cradled ea of the d. I 'awe real- Mom. Our button rep are Malley Mroryh Saturday, exdudnp heNdtlp. Neese do nil use staple, paper di rocpusyment NTen you sad us a deckal, you ssthorlae us to make a ae-time electradc vensbr tledt iron your bank accent br tie amount of the deck.Ta .== N- to l cMeuMq the hYlinp cycle even ii amt by aomeore doe. If we cannot precast the trarefar, you euMOdze us to make a charge against your bank accent using the duck, .paper dreH or other keen. Your Kmart MasterCard* is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. ,ry'w 034 034-0502 CR COLD MASTERCARD ACCOUNT APR 20 - MAY 19, 2004 1& 5307-5820-7703-5141 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $2,789.85 1 O5 MAY PAYMENT RECEIVED - THANK YOU S85.00- Payments, Credits and Adjustments - $85.00 Transactions + $636.64 Transactions Finance Charges 59-sn + New Balance $3,400.79 2 13 MAY CASH ADV. COMMON WEALT HARRISBURG PA $301.50 3 14 MAY CASH ADV. COMMON WEALT HARRISBURG PA 301.50 4 19 MAY CAPITAL ONE MONTHLY MEMBER FEE 4.00 Minimum Amount Due $102.00 5 19 MAY PAYMENT PROTECTION 1-888-527-6904 29.64 Payment Due Date June 19, 2004 6 19 MAY CASH ADVANCE FEE - - FINANCE CHARGE 18.10 Total Credit Line $3,500 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed (Non-Kmart/Cash Portion) $3,000 to your Capital One credit card based on your month-ending account balance. If you have any questions, Total Balance $3,400.79 please call the customer service number listed above in the transactions section of your statement. (Kmart Balance) $339.43 (Non-Kman Balance) $1,099.02 (Cash Balance) $1,%2.34 Avail" for Kmart Purchases $9921 (Portion available for $.00 Non-Kmart/Cash Transactions) At your service To cab Cu mma Rdmiom or to report a Iwt or aolm ma- 1-800-830-7524 Sead pgmmu to: Smd inquiries to: Arm: Remit.. Pros mg Capital One Saris Capital One Sarica P.O. B. 95184 P.O. B. 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 Finance Charges Plmeree reoarreridefor iwp desis t fo r mt a n inn ij N Bat rr salt 1 d r C-7- "--1 ??j st`t rj lQ J( ? a ? ' Sylirdte I'd, P R ?R11111T1'i KMART PURCHASES $342.18 .0474096D 17.3096 $4.87 NON-KMART PURCHASES $1,074.16 .0474096D 17.3096 $15.27 CASH $1,481.07 .0474o96D 17.3096 921.06 ANNUAL PERCENTAGE RATE applied this period 24.56% ? PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5307582077035141 19 3400790085000102001 New Balance $3.400.79 Minimum Amount Due $102.00 Payment Due Date June 19, 2004 Total enclosed $ Account Number. 5307-5820-7703-5141 P&meprmi e,ailin6add?u mY r-,wilrbantre brtoru wmg bhu or bLrk ink Serest Apt. R City State ZIP Home Phone Alt-. Phone Email Addrea !! #9014142891197324# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 111111111 111111 1111 111 rV ® 4529 ROLO CT Richmond, VA 23285-5184 to MECHANICSBURG PA 17055-5889 m ?n?u?u??n1?1??u?u?1?n?1?uu???11?u?n??n?u?u???u1? ° ?nu?l'111IIluu'1'uI1I11lul1ln?1lul1'llunll'I1'un1'll Pleme mrite your aaaunt number on your cheek or money order made payable to Capita! One, F.S.B. and mail in the enclosed envelope. r fA? 9 O N Ol OeglrWnnpp balaihCe of eadh aegmem each eaY, and anY new or crectls.( to each eegmem, end sbtract my peymmte or credits. (lf tle Is N appears an tM ham ai Mls stNement and pa 'fSNenu Ilau AppXed 70; we also subtract any unpaid Arence Burge Included in the balance of each sagrnam.) TNs ¢vet ce tM daily balance of each aepnem. Then we add tip all the deNyy belanus for each eegman for the biking ppeeriod andperioddivide by de total nunhbar of days b tlh+ hMirp . TNs gives us the ev uspe daily balance of each segment. 3. Annual rweetblp Retie IAP111. a. The term 'Arrrel Pacanepa Rate' may appear as 'APR' an iha fratt of this Nalevels. b. If the code P IPdne), L 13 am. LIBOR), C IGmficate of Depositl, or S Ill of Prime) appears on the front of 1Ms stateernerht mu to the periods rant., tM pedock rates ant cortesoaMre ANIMAL PERCENTAGE t TFS may vary qurteriy and may Mcrae or decree based on tha suud 'radius, as found in The Want Stmet Jeund, pis to margin Italy disdosd to you. These wit Dee o on the Arm day of your MNkq pad cevered by your pedodic statement ending b iha menthe January, AM July will October. c. If tle code D IPFIme), F 0 mo. LIBOR) or 0 13 me. LIBOR Repriced Moudty) appea. on the from of your nstamens mu to she petodc Fall., it. patack rhea and carosoahdno ANNUAL PERCENTAGE MTES nmy vary mantNy rhd ry increase at decrease sed on tM staled (-dices, ea land b TM Waal Stmat ./aural, qu the mergiIt Pre disdued to w you. Thaw r3unN+s R lmstbctve an iha firm day of yen NRrp period each maah. 4. Aseawsl of Let., Ovrrdl ant Reamed Payrhual Fes. Your accost vWN be asssed no mom than two of ill tees lined bam that occur during any 1,11" period. Undo the iemrs of your custorrer egpearthan, we reserve fha rigin 10 -I- or ran to aeses any lies withaa Drbr notiAcatm to you whhan vvelhMhp oa right to area the lime or aknNar rase at a later tlme. 5.1 RerowDil? Your Aassual. If a mernbarahip toe appsra m ribs front of i is sutamant, you have 30 deya from the date this .a amens me mailed to you to avoid peyNhg the lie or to Mve such be credited to you if you cancel your accent. Gearing tale period, you m+y cantkae to uae your accent whleu Mvkq to P-119 memberaltp lee. To eancd your sxeean, you met Qslonmr Ralatlar Depamrnem notify s by c+hag our and pay your New BNNt e- in fidl Intdudng tha muhberMhp feeIfni to the end of.1NnY-day I. 6. If You Class Year Atmours. You can request to cue Yyouoar accetad by caNllg our Gateman RaWbns Oepartrnem. you met destroy yet credit cardle) and "sure axes checks, rams ell puns dzed t.Ngq, end cease uukho you auoux. It you do rat a cf preaaheeized Nng amnge is vre will consider receipt of a charpa yea euahario ii r.-mm amour. Addnlassy, your axotnl vA and you pay all amourrm you owe eau khdrdrhg: any trammed you viva authorized, Arena charges, pest due form, overilmk tees, roamed psymetht bas. cash advance too end any afar bet eesnad to your amount. you ere reapasibb for these smarms uM , tchay appear m your aoceun a tha Am.=1*.' to riest or they aro incurred in your regten to case ythe our axoum. This may result charges .ppesrirhg on yen account efree you viva have your account If" Ms .reedy been cloaetl. for exem¢e, If you aahadzed a purMas from a merdum ant we recNve the trerheacdou irem rho merchant trier your account Ma been dual, your eccout wH be reopened, the ernout ot d:=:A be added to you accent, and yyoWu wit be br payman. h there la a sure Islip fee for your accout, the tee wN ca IL to be dur0ed, to tM eamm s bean p psmdtted by law, vdB tM M axaat balance aid In klA es debated above. 7. Uakttl Your, AeanN.You cam or acc urn cannot be used-l" correction with any Drama gambkV trarlMdion. 8. Nalba ADwd ElaaD-4, Greek LYrhhraabrh. Wh you roN rord>ki? ,mars, you aWtodxe u either to use you deck to make a rote time elacmahlo itnd vansfer Iron your bank anCeea[ Of to Protest the ppssymem as a deck transsctl- Wien vhe use inf narmIC from your deck to make M a ectror c fad transfer, halls ry ba whhdmwn Mm your bank accent as soon as the same day vro repave you back from Payment, end you vNN not receive you check You 111111 InstNutlm. BILLING RKiHTS SUMMARY IIn Gea Of Errors Or Question Abort Your IN) If You drink your bill Is wrap, or if you need mom information on a transaction or bill, write b ea on a Etaft as coon es posaWe at the address for 0. ah- ah the ban of halt alatEmem. We mist from you no later than rib days Aber we son you the first bill on wMdn the emu a problem appeared. You can uN our Ctetomer RaletlarN martber, bee doing b wIN not VVresrvekyouyour nsnte d¢hu. h your letter, give u rife bAowirhq inbmrmn: and accaunt ntnhbar, to ddlar amass of tha atppactad ore, a decriptbn of rile error and Nh nplantbn, if poeaNte, of vtryy you beNeve tlrre is f an eror, a If you need more Inbmhabn,tMw ro Pry a dsedpdm 'any tha ham you aro uahsuroeboot. You do ra amens b whale wee lie Mwnipsdnp n, but You ere nail ed ro p.y Me pane of your MN that aro not in question. we Inveatlpete your quotation, we cannot report you as dalbquent or take arty action to collect the amount you rfiesdm. t,t Special Role For Credit Card Purchase. If =As praNem with the r ny or asyou purchssd what a end you have tried In good u1M to cerrxt tha problem =, ror?ct, ou may have tM rigin rha to pry tlnirp moon duo on the ray a abates. You Mve this Protection ody when IM site s moro then 550.00 and the Punts cues mapumheaede b youwar Mme stns or vtihin 100 mNas of your maNnp adds. Ilt we cave or operate dhe mmdsM, or if vve masted you 1M edvemeemem br the p y or services, all purchases, are covered repsrI:. o/ Mount or location of purchase.) Please remember to gn all correspondence. t Ober naf apply b consumer non-credit card sccounrs t Does as apply m eusMess non-craoyf card account, C1 One wppons information privacy protection: see our to a wow ."Yelp s.con. GPhal Ors b a rmly raaslBred service mark of Gpital Om limrhefaI Coporadan. NI IV reserved. a 2003 Capital One 01 LGLBAK ta. Grams 0at.d. You will Mve a minimum gran period of 25 day. vNlthourl Arunce de m new purchases, new balance transom, nhevr epadat purchases ant nmv other duryes if you pay Yea total 'New Balance', in axordaree whh the Imponam Notice for payments below, and in time I. It to be credited by your new statement doeMg date. Theta is m grace pedal on ueh advateas ell +P+rJ+I trarebro. b adddm, there la no grace period on sny tmneactlm if you do not pay tM total ' New b. Aesrtip liar +• Tmmmcdae which are not atr6iscl to • grace period are aaeessed iksrhca clurge 11 ban tlhe rise of tha imnadbn or 2) from the date tha trorsactlom is procesad to your Acpean ar 3) tram the Arm calendar day of dre outran b lgr:d. Addhionally, it You did not pay the 'Now Balance ram to preNaa falling period in loll, Braves charges Cernkae to exne to yyaouttr upatd 6alvrce rsrk ribs hrpeld balarhce Ie pant In toll. TNa mean bast you m•y stlN owe menu dh.rges, even it You Pay Ube emhe New eNarea Indicated an to Iran of your Waleslali by tha mM atatereem duke date, but did not do b far the ppropBNeaahel momh. Urpsid Ansme ryes t c. aMMmlan t Rws che Qrtga. for bE' period dual your account Is to a Wernca thergo a minknum total FNIANCE a of 00.50 vNN be Implied. n the Met Anarea calrpr red- been the a don of your periodic rata(-) la bee Mm 10 S0, we Mtma ther ernes. from the 00.500en*dm nun yanoudrtM afbremu wail be td. ? 0 = t l FMtsaoOrsrp. We nerve he ft" to not sees any or all Amnce charges for any given 2. 61AvasMkl W -me IkrNrYtg Nov Aedrs all. a. Finance charge Is ulalated W mdtlplyirhg tM dally baiace f each sepmem of your octant b.q., ash edvarhce, puxchaae, aped al trambI, and spedal purchase) by tha corraapahdkhg dNiy perbdc rme(-1 that has been previasl, dadoaed to you. At =7 d of asuM dsYy dhske tle dkkhp .{??,•o^,r rve apWV the periodic rate br each ++Arnam o1 yoW,aaDlall tIr iha d?aB?__Yy Delelee f aril eaprsm. Than at tha and of the bNrhg periodo, we add up the reacts of thane risky rabWtlo one to arrive at r pedodc 9rhsrhce charge br each ++lpmahtt. Wa adtl up the react. nom each sgprhem to arrive n o teal poriodc Arnsnc?a dsrgs br your secehnt. To got 1M dall Y belarhce for each ssprem of your sxehsn, we like the q balance br each seprem and add eee1ryry mew vaneactieero and any flounce Clheq)e celadated on tle previous day's once br at agpmnt. We than enLtract any WYrth+ms as credit. passed as of *an day that are allocated to that ++Prerht. This Dves u tle eaparsta dally balance fir each seprent of yaps accetnt. However, it you paid the New Balance Hewn an your previous aNeman In full for If your new balance was zero OF a credit amount, mw trareactior nttcA post ro your puchase or sped. purrhese eagnhnts are not added to the dsNY belarees. We ul"i'm arm averape d.11 vZyl_, . by adding aN tha flaky balances loginef and divrdirg the at by the number of the day b the carom bYWlg cycle. To calculste your reel d,' riodk ermolHgy your average dally balance by the y enndd =y tha member of days In de bg1:rg Period. Ou to rouhdrp on a daily bald, then may be a tegM variance barman this ubolation and the amount of usNy assessed. Anence dr I act b. It the code 2 or N appears m to trap of this Nataman mu to ' Balaree Iute ApPtled To.• we moldalv the BBU2S j:jV%Nodaa: Payment you mail to u vvNl be credited to your amour m of tlhe bones day we receive h, provided %" you tend de batten pomon of this atatemmt and your check doasd remittance envalope end 121 Wear paymem b recelvutd b our proceskhg censer by 3 p.m. ET (12 noon PT). s allow N least Ave 161 MMnes cant for Petal delivery. Payment recdved by u n any otlsr location or Iron any other bum may not (-bee crodiled at of tM doty we 7: Our Mukneaa deye son Monday thratr¢h Satumay, wacltrdirhg hdidaye. Please do net uM Naples, Ppher ralos rec. vtherh PrapeMp yyouaur pa aynwni Wlhan you tmd lie a deckbl, utMdza w to make a am t . h It ne vve electroni arroct trarrobr praceea It. edt i rwnnsbrn ccent br tM stnahsn of de deck Tats auMOri:sd us to make a charge against your bank exact ulnmMe duck appfim to NI cMcw received d urirhgtM bMlhhp cyven if sera 1, you ba ut , paper dram or otlher hem. ?' °Or^°o^e else c eaMrize 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. K". 034-0502 Account Summary Previous Balance $3,400.79 Payments, Credits and Adjustments - $102.00 Transactions ? $33.39 Finance Charges $5n-2R New Balance $3,382.46 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 Payments, Credits and Adjustments 1 19 JUN PAYMENT RECEIVED -THANK YOU $102.00- Transactions 2 19 JUN CAPITAL ONE MONTHLY MEMBER FEE $4.00 3 19 JUN PAYMENT PROTECTION 1-888-527-6904 29.39 MAY 20 - JUN 19, 2004 Page 1 of 1 Minimum Amount Due $101.00 Payment Due Date July 19, 2004 Total Credit Line $3,500 (Non-Kmart/Cash Portion) $3,000 Total Balance $3,382.46 (Kmart Balance) $344.45 (Non-Kmart Balance) $1,112.63 (Cash Balance) $1,925.38 Available for Kman Purchases $11754 (Portion available for $.00 Non-Kmart/Cash Transactions) At your service To e8 Cu tomer Relations or to report a lost or stolen cud: 1-500-830-7524 Send Payments to: Send inq iris to: Attn: Remittance Processing Capital One Service Capital One Service P.O. B. 85184 P.O. B. 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 Finance Charged Please fee reverie f(defor imp pant information Balm rata PernAc c-7 6"' WE 4p01dm rie ,7 ° KMART PURCHASES $341.85 .04740%D 17.30% 15.02 NON-KMART PURCHASES $1,105.83 .04740%D 17.30% $16.25 CASH $1,974J1 .04740%D 17.30% $29.01 ANNUAL PERCENTAGE RATE applied this period 17.30% ? PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5307582077035141 1 9 3382460102000101003 Please print mailmR adbex mad r-,nail r/meree br/ow mind bhu o. bark ink New Balance $3,382.46 Minimum Amount Due $101.00 sneer Ap,. s Payment Due Nate July 19, 2004 City Son' ZIP T otal enclosed f Home Phone Afte- Phone Account Numbs: 5307-5820-7703-5141 Emul Add,- #9017242891197329# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD r P.O. Box 85184 1111,Nell 1111uuu111 4529 ROLO CT 1 Richmond, VA 23285- 5184 MECHANICSBURG PA 17055-5889 o 1111111111/u111111111111111111111 1111111111111111111111111111 ° 1111111111111111111111111111111111111/1111111111111111111still Please turite your account number on your check of money order made payable to Capital One, F. S. B. and mail in the erulmed towfope. i 8 O 0 a ' N t a. Qasa Par Yi You will haves min nnun grew period of 26 days -liver hunnce ds on new purcheas, maw balance vemfen, new eped20, urchesee and new other charges If you y your total 'New Balance', in accord- wNh the Nnpottam Notice for paymana blow, end in litre for it in ba credhed by you next matemem dodng den. There H ro grace period on ceoln advexss and spedal tramfen. n addition, there N m grace period on my transaction If you do rot pay the total 'New balance.' b. AestWq Asrraa Ok?/a. Tnruactias which are rat ro a graee period an esamd tksnce dsge t) hen ihe date of the transectlan or 21 iron the data the tremection is firm colander daY o1 Me ounem Account procesaed to your Aacant or 31 from om the period. Ar the y, :g did not pay the 'Now BWnoe from tit previas ;pear period n ki, lkuxthee dupeid upes conntirarele togeld -In to your inewe balance udl narce c a The steam Met you m. aNN awe amnnca charges, awn if you pay the emirs New Bel1wee )ndlcated an the two of yon statement by the andm ath. m runt doskg date, hue rid not da a0 for the pre vior npNd Ikrerrce dupes sat added to the bie sepnsit of your Aurourt. tc. Miman flosew . for each bkig peded that veer accaurm I. act to s ernanncs charge, a mnnfna.rr total FRANCE q(A E of $0.50 will be isrpossd. If the final annanuce cherys resdanp from the a cation of you periodic mefe) blase than W.lio, we I eLbt.ct 1Mtr amend trot the $0.50 miNmun and the dfbrenc; will be td. Tas* to: =P h bilsd urdree aopronM of r accent. Flrwa atstge. Wa ressrva the rigid ro ty a sal Wsrte dsngss car my givan begidning balance of each ssgman each day, add any new tremactlas to each aepnan, and ecbtFact a, peymmre or cmdn. (If tit code N peen on the hem of Mill mmemam anal to 'BNs Rate Appaed To,' we an subtract any unpaid 6wrce Burps Induedad in tiie balance of each .) Two gives us the deny baferta of each aeptnnt. Then, we add up all Me dell YY balances for each eegnrmt for the bNirug ppeedad and dvlG by the trial camber of dew n the dilnra Period. This fives us the f cam seaman. aveoppaa dairy balance of= 3. Atrsul Meseltlp Rath a. The term 'Annual Pememe" Rate' may appear as APR' on the cane of this stetonent. It. It the code P (prime), L (3-mo. LIBOR), C (Certificate of thiDai nRet)emem mat n 0d.Frd pedodca?ret r son the ptti time rates and corresponding ANNUAL PERCE7ITAOE RATES may very gwnedy and may Increase or decrease band M the stated Indices, as Toad In Tba Wa3 Sheet Jose- pa she mengln proviousiy dedosed to you. These tiSse veal M elbctlw on rho 9nt My of your blkin as covered by your parialc Mtemem ending in the moms Jsasry, Apd, JWy and October. c. If that code D (PGre), F 11-mo. LIBOR) or a (3-mo. LIBOR Repriced Morally) eppsaa an the from of your On-, mat to alma pedodc mwbr), the psdodc rates and xrreepondknb ANNUAL PERCENTAGE RATES may vary mombly andd may increase or decrease based on the mated haloes, as food in The WaN S&M JmmN, plus the megn previoulY dadesad to you. The- dsriga wia be elfectlve on the first day m your 14 period each smash. 4. Asse 0-0 of Lab. Ovstlnd and Resumed payarat Foss. You account will be managed no more than two of the lees listed here that occur duNg any blilnng period. Umlm the terms of you tx/redltl lglaammlt, we nearve the rigim to waive or not to mine my fees withan prior notification to whtsu welvNg our right to asses the awn or similar s et a later time. 5. Vstr Aaasrart. If a mum 7 p toe eppean on the ism of Win mmennm you lave 30 days iron the den that "at= wea msNad to you to erord MVng the fee or ro Mve such fee credited to you it You cancel you aceasn. DMrg this pealed, you may eontnue to use your eexnrm wMlroun Mvnp to pay the membanNp lee. To eenmsl yaw axtsm, you mart ratify ca by ceilnnp onr Cutome Depemnem in fit f 11 I and psy giver New Balance' exdueMg the sno Class feel Dher to the and at the thirtY-deY Period. 8. N You an lieu Yssa Aaasala. Cu- to don S: nxauam by cNNrg our CSmem. you mcat data y your creM caoff" and t axe- drab, cancel M Prey rbmI biking, end teas your exasn. It you da not cancel preauftrixed rg emargemerna, we veil corndder receipt of a dupe you aulsrixetion to reopen your acceurm. Addtlaruay, your acoauH via not be closed uNN you PaY ea amants you owe us krdudrg: my tnnsacdar you have suhorixed, Nernce dsrpas, gem due fees, owriimit tees, rotumed peymart tees, cam edvame fees end any other tees aaaeaed to your erxourm. Yon ere reapadblo car tineae amours whether they appear on you accent ai the time you requsm to or they are Marred sbaqusem to Boa the to diergee appee g m ythe a ou acaccount Thafter is may resat In have your octant it it has already bean closed. For enmpie, if you euMOriied a purdsse from a merchant and we rxelw the transeetiar horrt the marchers after your accent has been dosed, Your acceuem wall be mopstd, the .mean of the alt veil be added to your exam, cad pYanea w??N be nsparrlble 1. peymem. I7 there la e msmbafanp fee for you account, the fee will cerstint to be drsry1peedd, to the etmud Uwftted by law, until the Brno" balmnce Ms been psid In full as defined above. 7. VN Aaasui,You card or account canna be need in tmrnct'on whh any kmemm gamwng transactions. e. Nmfes Abati Baskds peak Conversion. When you provide a dtxk ==, yen saheb, a eftisr tp cane nMmetlon eck to make a rem-tkne electronic find t-11. from your bank accent or to groove the ppealmmt as • deck transaction. When we use infor Iran your meek to make an Your b nk skmanc fund tramfer, loads may be witldrawn ham your bank accent as soon as the same day we recd- your peymem, end you will not receive your check back hen Yxr fimnmiel (MkWon. BILLING RK314TS SUMMARY Iln Can Of Enron Or Questions About Your BR) If you think your hill Is wrong, or if you need more information an s transaction a big, -ft. ro us on e eeperate sham as soon es poeaNhe at the address for npl"a shown an the from of this statement. We must hear from you no later then W days after we sent you tit firm bill an which the ettot or problem appsarod. You can call our Catomer RNatians nether, burr dskg b veil not yyreaerve your sighfe. n you hater, glue w the bNawMp inlomatbn: your rranfre and acceuam neafuber, the ddlar emarst of the srpmrted error, a dearipfan of the error and an atplmmbn, It poedW, of why you bell them ie an error; or If you now anon IMOrm a description 01 the item you am umre ebari. You do not haw to psy y amount n while we sat nwmkii h, buW: ere mil fed fe pay 7th pans of your bNf 1Mt eIn %awkin. we Investigate your rium ain, we cannot report you as delirnqutnt or take arty action to cdlect the amount you puestion. i,t Special Rule For Credh Card Purchases It =z: problwhh the gwlhy o1 progeny or ayou purdssed with a credit card end you Mw trnd In a^od falM to xmet the problem with 7th menchem, you mail Mw tit dqM rat to PeY the remaining amount due an 7th p my or ae= You Mve this prmectfon aiYy caiman the pumJusa Aloe win more than •50.00 and ifs poaches was maub M your tame mate or within 100 mites of your mal :LW dress. (If we own or operas the merche or It wyou the advamsemsnt br the p tty a ssMras, all purchasss a x-red regsrdaes of smoum or bcetnn of purchea.) Please remember to dqn a0 xrreeponderrce. t Does not apply to consumer nor credit card eccornte f Dow net apply to business non credit card accuann Ca 1 One sppom ntomudon privacy prmrxtlon: we our 'te at www.cagnMn.com. Capital One Is a federally registered service mark of Capital One Rti ndal Cooperation. At right. reserved. s 2003 Capital One Ot LGLBAK Aorarslr Deily Bsfenosa iknkrirN New M1. 10 Y . Rnnennee dupe h caltalsted by melt the dW Is.q., tech a baNnrca of cam ssgluumt of Your examnd advance, pundsa, apeeW tramfeI' a been .pedal pu by the cornspotdfp deity peGdc uncial thst hes been provioutly dsdosetl to you. At the end of each dint'y dudnp the bilkg peed, we apply the daily periodic rate lor each aspmnt of you eocount ro the daily balancrt, edodof each add up segment. Then n the end of the bMirg p the resulu of charge U celalatlas ferdw n r periodic Nance urge v am segment. We add up the reshb from saw aepnent to amTw at the total periodic arunee charge lor your aceoan. o aatcatheke the bagirwfg balance for each dealt'y 01?= car each o for each sayour ad add we segment and add saty, new barrsctlons and any pedot ?fnance charge cal red an the previous day's balance that eepnarrf. Wa Mm aWtnd any paymerds a credn gated a of that day that ere allocated to that aepnmt. Tale gi-e us the separate ally balance car each --am of your aemm. However, if you paid the New Balance drown on You previous matament n fiA for If your new balance was zero of a credit amount), new trs =V whim pin mnot Your pufmaa or .pedal pundnese setamnis ere added m the daly balerces. We balances tagmhen dallll the cam b= all G tY billing a. To calWme your tool the days in the =t fimnce dsrgo, your averego dally balaxe by the deNy peaodc rate and y the nmbef of days in tit biking pealed. Due to rounding on a =basis, thereemay be a v 'knee between this cakdatian and th amount of fimxa therpe aenrlly aasaesed. b, tit code Z or N eppanie the hoe of this stateroom next to 'Balance Mete Applied To,' we multiply the 10962M bottom ponlon of thia matemem and your meek inin 1fe M?em3aaed remittance an rrmllmtodu2 w?be endndnorecNved n mss of the nsneaa GY we receive It, provided (i) you send the ape p ymeM prxesWg tamer by 3 P.m. ET (12 noon PT). Plane He. at lam sew f6) buirwa Gym M P= deNvery. Payments received by rs at any other ktaGn or (n any otitr cam may not be cradled as of the day we reeceve them. Our business days are Monday throgh Saturday, excluding holidays. Plea=3==1 paper d?a prepedrg your W em. When Your send u a dsektsl, you auhorize us to make a ore-time electronic trawler debit hmt you bank acxthe er This sWnrizadon appNes to fib drake rxawd dump the billing cycle even If sent by someat else. 11 we cannot precea the tramcar, you authorize us to make a charge against your bank accent rdog the odtck, a paper draft or ether hem. 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. ?r 034-0502 WM K Account Summary Previous Balance $3,382.46 Payments, Credits and Adjustments - $101.00 Transactions + $33.24 Finance Charges + 54790 New Balance $3,362.60 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 Payments, Credits and Adjustments 1 09 JUL PAYMENT RECEIVED -THANK YOU $101.00- Transactions 2 19 JUL CAPITAL ONE MONTHLY MEMBER FEE $4.00 3 19 JUL PAYMENT PROTECTION 1-888-527-6904 29.24 JUN 20 -JUL 19, 2004 Page 1 of 1 Minimum Amount Due $100.00 Payment Due Date August 19, 2004 Total Credit Litre $3,500 (Non-Kmart/Cash Portion) $3,000 TotalBahurce $3,362.60 (Kmart Balance) $336.27 (Non-Kmart Balance) $1,129.43 (Cash Balance) $1,896.90 Available for Kmart Purchases $137.40 (Portion available for $.00 Non-Kmart/Cash Transactions) At your service To call Customer Rdsfiom or to report a lest or stolen card: 1-800-830-7524 Send payments to: Send inquiries to: Att. Remittance Processing Capial One Ser- Capital One Services P.O. Box 85184 P.O. B. 85015 Richmond, VA 23285-5184 Richmond, VA 23285-5015 Finance Charges Please tee rnnrrefide for important injormot ionn m I Briar rdr Periadc Corrrslenlei6 ti yfptieJto sale APR lil; KMART PURCHASES $34203 .04740%D 17.30% $4.86 NON-KMART PURCHASES $1,108.61 .04740%D 17.30% $15.76 CASH $1,918.17 .04740%D 17.30% $27.28 ANNUAL PERCENTAGE RATE applied this period 17.30% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5307582077035141 19 3362600101000100000 New Balance $3,362.60 Minimum Amount Due $100.00 Payment Due Date August 19, 2004 Total enclosed $ Account Number: 5307-5820-7703-5141 Plemepnnta itnradwe-- or -v1cMgesie1 wmrJk1wwblackmk scees Apt A City State ZIP Home Phone - #9020242891197324# MAIL ID NUMBER Capital One, F.S.B. ! KAREN HARBOLD P.O. Box 85184 1111111[18111111111[11 to ! 4529 ROLO CT Richmond, VA 23285-5184 ! MECHANICSBURG PA 17055-5889 Phase write yow account nurnbo on yora clerk or money order made payabk to Capital One, F. S. B. and mail in the endued envelope. r 8 C o 9 f idmur grace Period of beiance Frontiers, new modal purchases and new other dergr i1 you pay your totN 'Now Belarm', In eanrMrrG WM the Mpodart WI; for peymadf below. and in time for it to be credited by your non stdemam doNrrg dote. Thera b no grata pedal on Geh advances and epeclat transfers. b addmon, there is nt dace parlod on aY trarraabn if you d0 not p.y the tots New balance of each segment each MY, am any new lea cue to each aallanefri, and subtract any TTems or credits. (It the coda N appears on the lratt of 0 stdemda non to ' BNartce OF Appked Ta; we also aubtnct any tapNd Tli lina :. gives u th==I., ..; drerge included in the balance all dre of oath aeprnrrt.) ? of each errt Ior Me bit i A- di.,Thisgive y the total sech amber of dap b the bwrrg purled. s u the dally balance of each segment. 3. Mahal Medtlga Plates IAFRI. a. The term 'Arran Percentage Rate' may appear as APR' on the from of thin aetnnem. b. 11 the code P Wrists), L 43-mo. LIBOR), C (Certificate of IfepoNtl, or 8 (BenV- Print) appr on Ave from o1 eHe natemem hen to the pedode ratZ), the pemoek rote. W corresponding ANNUAL PERCENTAGE RATE may vary quarterly and may increase m decrease based on the dated krdfta, as found in R. Wes Street Jet sobs tls mspin pprsvlaaly di.clred to yea. These d?er?pec vrR he effective on the Bret day of Your mt endrq bfr gamed covered by your == In the menthe Janes , er. c. If the code O (Prime)rF 1 -me. MR) or G (&mo. LIBOR Repmcad MonWY)ppeam on the from of your s dement nth to the pemodc etch), the =T rhea nd esporr?q ANNUAL PERCENTAGE may wryGrmonM- y mdmey increase or decrease based an the deed kdfta, as feud in The Was Soset Joarrs/, pie the mmgln pnviouly disclosed to you. These deriges will be eNecNve on the first day d your NRng period each month. 4. Aaarsrsa of Lau, OvstMit she Rsbarerl Pryotna Fax. two a1 the tees Your secant will be assessed no mote than listed hero Chet occur during any b[Wg period. Under the tem. d your Nldner agreeneM, we reserve the dgM to waive or not to asses arty tape witlrout yrla notltlcatbn to a tlrorrt wNvkp au dgM to area the rime or Nmlar at • 1.mr tenon 5. Yes Medea. It l nnennherehip fee appears on me tram of this ddemeM, sou hew 30 step tram rt ride thisr to haw each be credited to s h". wrmailedto youro evdd WNrq the fee o you it you Glncd sou eccomam. During Mix parlod, you may comkm to mss your exam wNhan heving to pay the memo-""bp fees To cernd your eccam 1o You mud retlly u by calirlg suer Qrdomm Rddbnt DaparerreM and pay your, ' New Be..' In I bmdudng the memberNIF tee) pher to mra end of the tNnYdaY psmod. 8. N tau CYso Y. A.ewtt. Vw your tan regmest to dose your account by ca" our Cut.mer ffelatbnt Depeamem. You rrnet destroy Your creditxed Gdb) and accaorF acftr dreclu, ca11Cd 1,N prewtherl billing, and ceaso ugq your ecGUt. II you do not cancel prruhedzed m snarpemmla, we will tackier receipt of chs- your emahedzad- to reopen your y, your steam WN not be dosed umN you pet W amouma you owe u htddmafiFrg: any trentealaa yes Mw autlerlxsd, finance chergea, pad due fer, owdkdt bee, noantd peymmt trot, Goth adva c1, fees and ==w assessed to your exam. You ere them .manta Wtdler they appar on your account at me tlm you raquen to close Me account or they em k cuffed nb --" ro vour remueat to does the account. TMs may result I. your accent it N he. already been dosed. For example, if you auFleor a purclrsse from a merdunt and we recdve the n jot dm lean the to edam your steam Ms bean dosed, you aranunt wR be recpentd, the arrant of the drrq wR he shed to your secant, and you will be resporu4lo for psy-M. If d.. 1. a or to* fee fm your accoua, the fee v%M confirm to be direrrd?Wd to the e:r p?mrMed by law, undl the emus balance has been pMa M full as de9ntd above. 7. test AesstaN.Yaa cad or accent cannot be uedin conrecaian vNM any Internet gambling 8. Nr1M Ato Alssulbsta Bsab.ds QeN Ostrmntelm. When you provide • deck n payment, you amdherize u either to mne nfemnion flan yea cheek ro make a ane?tkne dearodc fiend twMer tram your bmk sccaan or to elecep the ppeaymem as s deck vdnoctbn. Wien we use inbmdbn from you deck .make a dea-so find transfer, funds may be aidsim- from your bank account as soon as the earn day we coed- your Pyou Ariandsl receive your duck back from wfif not institution. BILLING RIG14TS SUMMARY (in Case Or Errors Or Questions About Your 8111) If you clink Your bill I. wrorrg, or it you mead more inbmuUOn m a inates ton or 1,111, ware ro r m e seperete .heat as soon as paaskfe at the address for krgddee dawn m the iron of mis statement. We mast F Fran you no later then W deya after we sent you the first bill on whldr the error or prebtstn appeared. Von can cam Our Ctetorr i1, RNatlae mn8m, 6u1 ddrng r will not ppnesorve you rlghrs. In yax beher, give ms the feNowinq infemunion: your rrma and ecrntsa rsartber, tle do11ar :n,dm of Ilre amwpected error, s dredpfen of the error and m etglanatlan, If prsmtle, d you hehew dare I. an error, 4J' u need mss m a daecdptlon of the hem an upon ab.u. You do not hew to pet ant emaum n wHfe vas are N h, btu tau re dR Fed m pet the pane of your are not n gent an. we invrtlgste your gin, we t c tutor the repott you r deWrgneM or take my Orion sn to o c cafes the smouM you grleallon. t,t Special Rule For Credit Card Purchases It yon heve a prabidn with the quNNY of pm"Fdly or seMce. lad you purche.ed WM a credit Gd arm you hew trfed In goad yfeint to carrect tle problenn Wth the merchant, you ma low Fire right not to soy the remaNirp smash due on the petty or sarvffts. Vou hew We For oily whe.Pro Ihe price wr more then 150.00 and the purcher war rmade M your h- stn. Or widin 100 - of your mei11ng addrrs. 11f we own or opeme Me merdeht, a 11 vas mated you the edvemsemeM fill the p rtY a services, all purchases are covered regardless of amour or locamon of purchase.) Please remember to sign all conespondence. t Obey not apply to consumer norm-cam card accounts i Does not apply to business non-credit tend accounts Cashel One .uppona Mbrnubn privacy prdedion: see our to n www. Nane.can. Capihal One N a nNy r erect service mark of Capital One Rnaecial Corporation. All dghta reserved. a 2003 Capital One 01 LGLBAK b. AsmNro Fkrsrraa Orarp. Trareaalar With are not st8lect to a graft period an arered finance deq)e 11 from the date of the trnraclbn a 21 iron the date the Forms crlar is processed to your Accent or 3) fran the ant cddrdar day d the current hiRrrp rlotl. Addtlauly, rat did rat pay the 'New S.Un fpunm the previor bwxrp period fe fist, %=- se caNkae to sooner to yyoouurr upaW Delance ual balance is paid In full. TNs meant mret you may dR owe An,ncs charges, even U You WY tie entire New Balance Irmdlcated on de marl of yetnde 1 data1rr ,he eypnviou the conmonth. Uryan Arna ride U. doting dd., but did raa tnft dergft Aram. am added to the .fm each eegrmml of your t c. aarw Firrznar?iact bRkrg perod that ccwm 1. ch. ? tu ue total finance, meuld treat tal fa E CrHgAe'ROEtoin{p0 50 WI baapp?porpoaed. Ilytah periodic rateHl?h lean then W 50,twe WN aW .. their ammmam iron the W.50 minkn m and the difference will be Mled to the puchne seprwM of ecceuM. td. Tseapr no RsirstYn kr Fkenaa aw0a. We rme Me not d?a to aaeaea any ntn a all Azrerwro rlurgea br any given 2. Avsrgs peaadabraa I Imam Rrahrrl. .. Rrwree derye 6 cNai? mdlavkw tle da11y baWm of each sagmaN of you acGmart b.g., Goth advmca, purchese, speclal uantfer, and apedN purchsrl by the caresperndinp MIIY pdAtkdc the end of Meld teahatchhee barn pmvbWy 6ocla.ad to you. d.y the biNrrp period, we apply the daily periodic rate for e se(pnont of Your acceun to the d?e_nty balance of each aepnml. Then at rho .M o4 the ekang period, we add up the reaclh of then dj cekdatlae to :rave at your perlodk Antrrft drrge for each segment. We ednl rq the nedhs from sedn ee(pmmt edw d the trial perfedc mnarm charge for you account. To got the dWyy belarm fer seth :- mt a tau secant, we take the 6eglrairrg balance aadr aepn a and add anyy new 1to pF ore and any lode berm derye We that sted on t the previow day's bdarm let diet seems. We that subtract any pepmma a credits forted as of thet day that hat are elo-red to ihet segnem. Tfrb gives tr the =,11"Y balance br sect segmem of Your steam. you ppa?d Me New BaWtce shown on your pnviaum smt: in kA (or it yen new baimoe was zero OF • credit amou t), new tnntectlont whidm pod to your purch.r or .pedal purchase =W4, ot dally bNarrcse. W. cakdste balance by aby the rsmber ddng 1,N the M ofNy bslancse together and iq the sun the clap In tls cw?atlepMlyMlNng cycle. To Gkdde your total deNy pe=1=,' anY yhgr arm?r of hp by tt. period. e daily belle, them met . a Night bdyvam: a Dtion and the amount of firence to rye daueNY aasosrd. b. I1 the code Z or N rypears on the hatt of this datemrm From to ' BNerm Rate APpled To; we nWtlpiv, the 11378M bpsrleM Ilstien Paymaas You real to u wR be credited to yam account as of the baker deli we receive It, provi dad It) you send the bottom por ton of this datemernt and your check in the encb.ed rasttanae antNope end l2) your payment N rsedwtl M ax roceakrg tamer by 3 P.m. LT (12 noon M). Please .110. at beat five l61 6mrNrreu cep for PV deNwry. Payments received by u d arty aher krGdan or N enY aher bon mat not 1,e credtm as of Me layy we receive thm. Our business step ere MadeY Mrwgh SNUdeyy, arckdNrg hoNdep. Phase do not ace dept. paper ONpe dc. Wan Prepedrrg your p1,ymem When sand u e deckbl, yes eutlem:e u to make a a1, Nme decrrodc 1raMer ddit irmnr your bmk secant br the amomm of the dwcck. TNs aWndzatlon appNes to x11 dmcks received dudrrg the blllkrg cycle even if sent by someone else. If we carrot proGw the tranfer, you autlwdto u to make a charge against your bank account using the deck, a paper draft or aher Nam. 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. ,.3±d 034-0502 Account Summary Previous Balance $3,362.60 Payments, Credits and Adjustments - $103.91 Transactions + $4.00 Finance Charges 14994 New Balance $3,312.63 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 Payments, Credits and Adjustments 1 o9 AUG PAYMENT RECEIVED -THANK YOU $109.91- Transactions 2 19 AUG CAPITAL ONE MONTHLY MEMBER FEE $4.00 JUL 20 - AUG 19, 2004 Page 1 of 1 Minimum Amount Due $99.00 Payment Due Date September 18, 2004 Total Credit Line $3,500 (Non-Kmart/Cash Portion) $3,000 Total Balance $3,312.63 (Kmart Balance) $331.94 (Non-Kmart Balance) $1,112.53 (Cash Balance) $1,868.16 AvolableforKnurtPurchases $187.37 (Portion available for $19.31 Non-Kmart/Cash Transactions) At your service To call Customer Relations or to report a lwt or stolen card: 1-800-830-7524 Send Pa7menu to: Send inquid. to: Attn: Remittance P.-ing Capital One Service Capital One Services P.O. B. 85184 P.O. B. 85015 Richmond, VA 73285-5184 Richmond, VA 23285-5015 Finance Charges Pleare see rezwseJid e * i emportant information B0-! rr rase Pei p ow C 6 W& y1tvlm at, t r APR ° KMART PURCHASES $335.38 .04808%D 17.55% $5.00 NON-KMART PURCHASES $1,124.34 .04808%D 1755% $16.76 CASH $1,890.39 .04888%D 17.S5% $28.18 ANNUAL PERCENTAGE RATE applied this period 17.55% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5307582077035141 19 3312630103910099009 P4mrprmt madmir adieu any e-maiicbmarsbel wighir w blaoi ink New Balance $3,312.63 Minimum Amount Due $99.00 So- Apc. R Payment Due Date September 18, 2004 City Sham ZIP Total enclosed $ Home Phone Al.-Phone AccountNumbea 5307-5820-7703-5141 #9023342891197329# MAIL ID NUMBER Capital One, F.S.B. ttttttatl? KAREN HARBOLD P.O. Box 85184 111uu1111J1un1111 ?+ 4529 ROLO CT Richmond, VA 23285-5184 M MECHANICSBURG PA 17055-5689 0 I111111111111111111111111111111111111111111Is11111111111111111 0 11111111111111111'1111I1111111111111111111111111I1111111111111 Pleare w teyour account number on your ebeck or money order made payable to Capital One, F.S.B. and mail in the erulaed envelope. i i i 8 O i O j N t a. a !rated. You will have i miNmun grace period of 26 day. without Arsrce do1gB on new ptrroaaea, new balance 11 ..brs, new yeCial goatee. end new other asps if you pay ? tool •Ibw Balance', In aawolace with the be Important crashed Notice for expayearram t 2 rim blow, end In tdae for T it re be by y Yoe c Ga mateman doWp e, . There is no grace period eh advances ertd apatlal trsnobn. In adz them 1 is no grace period on any hars.ctbn if you do nor pay the tail 'Now baiorca.' D. Mating Wrree Orge. Trohwctlms witch are rot au6Ject to a gran period ere asnwad hence dupe 11 Iran Me date of to trorrection a 2) from the rims the bamaelion Is processed to you Account or 3) Iromn the Ara cdermder Ny of la curtest aiikg Podia. Aaredly, Ifyou did nor pay the •New.,aca• fw du preNOw DdNnN periodhalence in DM, flnenea durpn =,:a ato ymu upend abet tW upald paid m DA. ¦ man that you my alR owe finance dupes, even it you p.y the amin !bur Balace Indicated on the Iran of your malemsm by an staemaa doshg data but rid nor N n br Mq DmNar nhoreh. Urymb fkhsnce dsrgas are added to 1M appllcatls sepurent a your Acoaeht. F;r t c. your acc account is swuilbileehy,y rate. eedr NNhtp period that total FINANCE CHARGE oto a f 10.60 wilwit W?knpassdW f he tail 9rtertee dome rearddrq hen tW appNcadon of r period. ratebl fa ion then 10.60, we wih erMrea et amaui ham the 10.60 miNmun and to dHererce will be Wled to to purduse aepr?n? of?your accoun. td. Tngaay Rsirstlam it ilrrss urge. We renrw the did to not .assn eery a ell JearnG dupes br any given 2. Awagi DaNY Mlshss IMMMnt I e. Rrlanlpa drape Is Glalated y bsWhce of Gar eslJnem a ya ppeedock rate. To obtain the average daily balance for the h.1 period livered by -4=n- , we uke the begimeq balance of each each NY, add any new transactions to each segment, ad ub1 _t any psyme a. or credits. Ili the code N ?ppe?n on the from of tits ministers rhea to'SsurrG Rate AppYed To,' we oho subtract any upend Ansmit dupe kWWod in the balance of eadr -Cray 1 TAM , l - n 00 daily balance of each segment. Than, we etld op aS the dNy balarncn for each sepuhad br the btlNnp parka and ANde by the tail raaiher of Nys h the NMrp period. Tits Ewa us the .-.as daily balance of each ni num. 3. Anneal IMasmigs Mtn IAPRI• e. The teat 'Amwrl Percentage Rate' may appear as APR' on the front of this statement. b. It the code P (Pdrea), L (3 me. LIBOR), C (Cerdficate of Depeait), or S (BanV d Prime) appnn on the front of Mds ststerrterrt next m to enteric rasp), tW pedodo rates and Grrnoardre ANNUAL PER. I' AOE PA cosy vary geanedy and may tnc?sas or decroan based on to paled Wallets, as feed b TM Wall Street Jorenal, plhr the mapin yyreNohrsiY dsdned N you. Thin dm will be eibctive on Mr Arm NV of your Wing period Gverad by your pedade sutemm?t caring h Me mamtla Janary, Apd, Jay sal Oetaber. c. If the code D (Prime), F 0 Mo. LIBOR) or 00.0. LIBOR Repriced statement ram rota peMorNftly)dodc m sppearotZ on),M1eWIran of your pedeck rata and GrreeDOndrg ANNUAL PERCENTAGE RATES may vary rmnlNV a stay mcroen a door" Wood on the coned ithdcas, as bud m TM WN/ Stream .lousmW, plus the merdrt proviaalY dsdaed to ya. These dtergea will be etbNva a the Brat day of yea Whg period each month. 4. Anessmad of Late, Ovasnit all Rittman Fns. Your accent will be assessed no more tan two of the teea limed are tat ocan rbrkg any dump period. UtmNr the temp of your oatamer sgnanem, vre ronrve' Ion to waive, or not to mess my ion vvidrout prior notification to wnheu -1, our don to eseen the seem or simNer ens at • lour tls. 5.?R navabg Yw Mawat. If a memWrsNp be ppesn on tram of Mis aletmant, you eve 30 Me days him the Nta tale to he- s urn mailed a T to avoid payhg the tee her to eve such tee eredtsd to you it you cancel you accaan. Dudrtg IN pedod, you may continue to use your atxxsati V= silt g to pay the rmadty by Kp i,Lma?ner auntDapenment end pay year 'New Baance' in AA Nxcl Ms embeNip Ds) prior to the erd of the tMn day period. 6. N Year Cbn Ysu Aninai. You -,= don coccus by " our Custane Oepaemem. Ya nn dstroy your credit Grob) .nod accoun sccen dtsclm, Grnrel ail p" died Wktg, and cane ! you sown. 11 you do nom cenc?al preaufaMrad enargeaterse, we will consider rncelp al a dstge yore euhedzallon to reopen your acoovn. AddMauly, your accost wit no be dosed umJ Yoa pay all .man. you owe ua irhtlWYg: arty nerusctlaq you cow auheNed, Jn.rtG duryps, gem due fen, ovedMNt Des, relharmd paymers fora. Gait advance fen and ny ear feat canned to your acooun. You aro reagtadde to tan astoums vvlrether your acCOhnd of the Mme you request to they appear on dose to accoue or they an Incurred eh8soghars to your recast to does the accent. TNs may result in your ecooun it it has elsdy been deed. for example, if yea suthedzed a pudwe Aim a merMaft all we receive the transaction from the merchant after your account has been dosed, your accan trip be reopened, the asto eat of the durrQqee vNN be addetl to yo t occmnt, end yyoauu will be reapersibb br psymem. If them is e membsrdip tae bt your account, the fea will conimue to be chimed, to the ex1aK pemdaed by law, udll the ..coon balance as bean Wld toil n deArod ebow. 7. = rf Asaant.your card or accent cannot be transactions. cos with any imemm gambling S Al ru. I- S. Native M Abort FNshaaN Oreak Oawsrdn. When you proNN • cluck ea peyrmtai, you attladze a char to un mbnmtau from your reck m make a one ebctrodc fund hd transfer from Your bank account or or to procan tW Wpaymemt n a deck trartsoction. When we use iMommtion Iran your duck to make an electronic fund Denefer, funds may be withdrawn from your bank aceoum as soon as to same day we receive your ?= Institution. will r receive your deck back from BILLING RIGHTS SUMMARY ,in Cne Of Errors Or Questions About Your Bill) If m= on your bill is wrong, or if you reed more mbmmmion on a iranaafon or W, write to u on a separate ahem as soon n possible at the eddm; for ittt}midn shown on Me here of tlis alarosteM. We must hear from you no later than BD Nya after we sort you the first bill on which the error or paobisrl speared. You can call our Cuatamer RetaMos number, but doing so will not =pZ. X' highs. b you btta, qlw n the bwkg fnbnetlan: your rams anal .ceotn camber, tofoidoNer amount of the stspscted arm, a dnedptlon of to error sad m mplstutbn, If poealkb, 01 you heave there ie n error, a If you noel come mbmm n a deacdptlon of nhe imp you aro unana abet. Yon do o not eve to pay any esters m rlaalion wlie we are mveaigstlnp n, bat par e stR ahNgatad m pay ds pans a your bill tat ere not in question. WNIe we Investigate you =an , we cannot report you ore deNrphsnt or take any ecd am the amours;. queadon. t,t Special Rule For Credit Card Pardo. If you have a problem Nth the rFUNtV of progeny or aeMces tat you purdsaed will a credit caol and you have tried In good bah to correct the problem with tits srdheri, You may eve Mae M=. o pay the rosining esters due on tlme prapsny oYou ova tits protection icy Wien the purchan pyrim was more than F50.tX) all to pu *a was made In your home mete or wtMdn t 00 Wea I your msiNnp eddreea. If- own or operate the merchant, or H we mailed ya the adyertisemeM br Mae p ny or nrNcn, ail purchases are covered regsrden of .moon a bcslon of purduse.) Please remember to sign all correspondence. t Does not apply to consumer son trodlt card accounts i Dorm net apply to hrahtess rsn-credit card account Caqq'til Oral supports inbmmtion pdvecy protection: see her cabala st www.wdtaloro.com. Capital One io a federally reofmBred nMce mark of CepNsl One Rea..... Cerpornion. /d dphte served. a 2003 Captal One 01 LGLRAK the hRmg period, wer apply to dally periodic rate % each sepeam of your acoount to to NN?y beWhce of each eepnant. Tan et to end of the best{ period, we add up Ms resciu of taste dept calculsdars to solve n your pMak 9rmrhG charge for eadt aagmai. We add up the rosdro front each "Maw to udve st Me teal parted. Anortce darga br your eccetm. To gat 1W pityy be?br"tce br each aepmtan of your accoun, we aka the oegmup belamca br each =%.- d add ny now Iroeasctlen ens any odic rge rakul.wd on to previous day's nice br that sopmsnt. We then subtract any peymems m cheats gated as of dui ey Malt are allocated to tAm rgrmaht. Tftio glues a tM seplarate dimly balance for each aog;r n of you accent. However, It you paid Me New Silence sawn on Vote previous statemem m Ail (or If your nlpswlidt ew I= urn zero or a credit amount), new Dstlnd post b your purtlunaorapedal cNaiae Mtfevwer:ger balance .drq alWI1lhedsilWe balatcn together and dvDhhg Me sun by to nntbar of the days in the axrern Nfiluhg eyrie. To calculste Vow ton! Ana ce dud=1, your avenge daily bane by the allype dodo y to n.nar of days in to billing pedal. Due ro touring or e daffy Wsb, tare may be e sNgpnt variance between Ms c tIm and to amount of Justice donee acnuNy ssaeeaed. b. If the ode r. m N appean on to front of this statement rent to 'Balance Rne AopAetl To.• we muhidv the 10341M batam ponies of the na 3p tmment and your deck h 1aM r M: ? ma%i,:f 12)wyan space N =Zou: :as of the business day we receive it, provided (1) you send the ape p yoeenkg by .m. LT (12 neon PT). Peas .Now n lees Jve I6) btWnees Nye io postal NYvary. PaymeMS received by a at arty other kcmlen or in nY mar fin esV unit be .rented n of Ms Ny vve receve tam. Our btuknen Nys en =:= Sding hoNNys. Bean N not has staplea, paper 21r, me. vNen preparing your pennant When you Bend us a chat, Is), you authorize us to make a one-Mme r debit from your bank sccann for the emaax of Me dits audadzadw appYee io all decks recelwd durkp to billing ryde even if sum by someone see. 11 we .emit procan the trarsur, you eutadza a to make a charge against your bank account using the deck, a popor draft or oral num. 034 Your Kmart MasterCard' is the one card you need. Use it everywhere MasterCard is accepted-over 21 million locations worldwide. Whether you're shopping at Kmart, dining out or buying gas- your card offers the purchasing power and flexibility you deserve. r,?isar„6 1fd 034-0502 GOLD MASTERCARD ACCOUNT AUG 20 - SEP 19, 2004 5307-5820-7703-5141 Pagel of 1 Account Summary Payments, Credits and Adjustments Previous Balance $3,312.63 1 o6 SEP PAYMENT RECEIVED - THANK YOU $160.00- Payments, Credits and Adjustments - $160.00 Transactions t $4.00 Transactions Finance Charges 14916 y New Balance $3,205.99 2 19 SEP CAPITAL ONE MONTHLY MEMBER FEE $4.00 Are you registered to vote in this year's general election? It's not too late! There's still time to register, so go Minimum Amount Due $%.00 for it. Your vote can make a difference this November. Call or visit your local voters' registration office or go Payment Due Date October 19, 2004 to www.everyvotecounts2004.com to make sure your voice is heard. Every vote counts! Total Credit Line $3,500 (Non-KmaWCash Portion) $3,000 Total Balance $3,205.99 (Kmart Balance) $321.23 (Non-Kmart Balance) $1,076.81 (Cash Balance) $1,807.95 Available for Kmalt Purchases $294.01 (Portion available for $115.24 Non-KmaWCash Transactions) At your service To all Customer Relations or to report a Iwt or stolen card: 1-800-830-7524 Sead pa7mentl to: Send inquiries to: Attn: Remittance Processing Cap MOut Servicn Capital One Services P.O. Box 85184 P.O. Box 85015 Richmond, VA 11285-5184 Richmond, VA 23285-5015 F-mane Charges Plearesm re[xrreridefor important iaformatian ? Balmr mfr Pm'oJ.'r C +lowJaa ?I? gsplvJro rer APR ° KMART PURCHASES $317.28 .04977%D 17.80% $4.95 NON-KMART PURCHASES $1,095.33 .04877%D 17.8096 $16.56 CASH $1,841.99 .04977%D 17.80% $27.85 ANNUAL PERCENTAGE RATE applied this period 17.80% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5307582077035141 19 3205990160000096000 P<mrprmrmei/iadaJ6m enYa r-nreilrlawed,be! ruiaR bhe or blerk ink. New Balance $3,205.99 Minimum Amount Due $%.00 srrrrl Apt 9 Payment Due Daze October 19, 2004 City Sme ZIP Total enclosed $ H.- Ph... Al.-Phon< Account Number: 5307-5820-7703-5141 Email Add,- #9026342891197326# MAIL ID NUMBER Capital One, F.S.B. 11 KAREN HARBOLD r P.O. Box 85184 1111 1111111 4529 ROLO CT Richmond, VA 23285- 5184 e, MECHANICSBURG PA 17055-5889 o IIsIsIloilo 11111111111111111111111 111111Is1111loll 1I IIIIII.II Iullllu.lllru11ll,III.. IIloll 1111111111IsI111111111111111' Pleare uvite your aaount aumher m your dhak o' moneyorder made payable to Capital One, F.S.B. and mail in the eadlared enr hpe. ifs 8 O O ?i a eas Paris. You will have a mihhknun grace period of e.. sf 26 days w)MOUt fbu charge on new purchases, new be[ trmslen, new special Purchases and new Other chefpu if you play your lot 'New Balance', in eccoMence wNh the Imponwn Notice for psymerht9 below, and in rime for it to be cradled by your next wnemem doing dare. There I. - grace period on cash ad--- and special Iraaten. fe edddon, there is - grace period on any transaction If you do rat pay the Iota[ 'New behancle. b. Aawtitg Firhstua L7hge. Ira-ecdo- Wtich an rat st6)aet o a grace period aro assessed finance charge 11 hen the date of the vahstacYian or 21 iron the date the trarusction is eoaaed to your Accent or 3) from the fire calendar day of the twrom tlNrq period. Addnt"fly, If vat rid not osv the 'New BNerwro' imam the p-4- periodic rate. To obtain the average daily balance for the blHinp rlod cewred by We ststemem, wo take the ba¢ w halanca of each aegmam cad day, add my nsw transactions to each aemnmt, and wDtran myfpeymenta or cmdts. Ilf the code N appesn m 1M front o d: statement tram to 'Balance hate Applied To,' we mono st.bug my upend 9nmG dorye induced In the balance of udr aemnmt) TNa rive u the daily balance of -dh segment. l'hm, we addpeup ail,M dsilY bNmms for each r otidey?i N W=period w ?d. M glen w al average daily bsianee of somnem. 3. Annual Mae,dge Rte IAPRI. a. The term 'Annul Percamap Rate' may appear ae 'APR' on the front of title samemem. b. It the code P lPdm), L (3- UBOR), C (Certificate of Depah), or S IB ,d PMrro) appesn on the from of tel. nn"I m hhartf ,o the padode tan(s), the dock rata and Grrespmrdrq ANNUAL PERCFMAOE RATS t}renedy and may incroew or decrease based may very, on the waled khdces, as fineal in The We# Street Jouns/, pl- the meryM =.-'-'y a.tiwd to you. Thus dhe wen he dm 4* day of your fel p by yr pedyyadlc natemmt erdrrg c. If the code O (Prkne??F?oumo.d llBOR)ortp 3-mo. LIBOR Repdced MonWy) e?ean on dhe irrnt of your naternom name to the pedadc rate(s), the pedadc rata and cerrswohhdhn ANNUAL PERCENTAGE MTES may vary monthly and my Increase or decrease based on the stated Indices, as kaaN In The W' Szren Jor arW, pica the margin proviowly dedosed to you. These clorpea will he on the fire day of yea biNhq period a month. . ssmh Psryuen Fm. 4. Assessment of Lela, omNe Relanned mom than tea of the lace re than Your JmCV4Ad ham that wall be a d no listed Mro that o a during no sk, my hlNkq period. Uhhder the torn of your nu mar, agreamste we rewrw the right to waive or not to o ma assew arty feu W,Mou prior notification to whfnap wNvNg our right to saaw t came or simNer wer et a Wter time. 5. mswirhg You Award. 11 a membership fee .:peen on the tram of this armament, you he" 30 days fnsn the date ft. sutemwrt was maifed to you to avald psytng the lee or to Mw etch tea cedted to you if you Gllcel your eccohrrt. Whinhg dhN period, yea may coma-roue yea aceahee vMthout Mvl to pay the membenNp fee. To aceaawyou mamin Its by ===r Ralnions Depanem oral par W._ in fuel (exdtdng V. mwrlbey you fee) prior to the and of the Wny-my period. 6. N You Clew Yee Amerind. Yw can rayon m dot yyouanr afcaae M carding onr Cutomer Ral4, Vepanment. Ya mat dtrroY yWr credit card(s) and accent arce0 clocks, reran ,all pramutia ized bifikhg, and cent ukq Your acGUt. It you do rat csncn pruuherized bYNng errmgeme , we wiN consider erogt o1 =474 .=-vwro peryour accent. afcoheu en rot bo dune hmY you play a[l wnents Ya owe - Ifc=m ., any trarwcons you h. nalrodzed, fiance dorg-, Pan due ore, owdmM fees, returned psymurt tees, Gosh feu end eny otlor fus aasused to your :d .-a ccent. Ym am Importable for Hose ahnaane whither they ep:oar on your aeeatre at ft fire you request to dose the account or they am ircumd wbsequent to ch?.roe cep mto - the accotant. This my : on vas eccam after you he - in For example, your accent H k t'alreadybeen =chum nalwe 'f you the tr ns a pre , from hoot a mmd ac oun the tram clos d, y d. ft merdunt ;t your ecchsn has tram load, yen expw vvi1 he raapaad, the amainn of the charge vdX be added to Faccotint, thine a end yyoauu wN be r==- mamberN0 fee . the few ydN nxxnieo to be charged, to the emord accem bolancar has bean peal in IuN a daXned abote. 7. Yam Aassudi.Your card or account cannot be kh cafshaftilon wNh any Weerrot probing transactions. 8. Mod" About EleakaNa punk Oamarein. When you provkb a dock n pymam, you authelze a either to use Mohrnhadm then your dock tmake a eo-tkne elocuoNe find transfer from your bank accent or to process the pps?yman - s dock trahoactfen. When we use Infonoatien from you .it u make en electronic find transfer, pads may be withdrawn from your bank ar,cout w son as the same day we reca[w your psymem,rLl and will you rot receive Yonr deck back it= yaw a:, IrrfivA BILUNO RKRFTS SUMMARY (In Case Of Emers Or O-atom Aber Yaa Bill) If you Wink your him er it you rued more infemuon m a tr.=,, bill, wore to - on e eeperate aloe as nom w possible n the add- for ingdda blown on the nom of this watemstn. We nnut hear from yes w What than 80 days after we sear you the flnn bill on which to -nor or probfeeh appeared. Von can call otf Customer Reudole nether, bill d0111g w vefi net hue rw your rich. i :y==.!h6,= :mmernt of the ect emoup of the suspected arts, a descripllen of the error end an eaplansdan, If posalble, of you believed . error, a if you rued more kdorms a description 1 the from you am cancans strain. Ya do not Mw to pay any amaea in 7.u:den while vre aro awme gV It, feu yes au stW ahltJ to pay du pens of yen 6Xf the are rot in Qaatlan. WIYW we Inwatlpate your question, we cannot report you as deNhnghrent or take arty action to cdlect the amain you gueatien. t,t Special We For Credit Card Purdhsmes Ii you Mw a Problem wth tiro gcalhy of progeny or whvias that you purdowd wYth a credit card and you Mw tried W goody. ha" todhe rIXM correct the Th.1- whh dhe merdhsn, you mave not t Per Nro remeMnp emehaa Chat W the praperry or services. Ym haw this protedan ody orlon thhee pureluare phiG ores more than 450.00 and the your was made a your home slate or within 100 mil- of of your msNng addax. (lf we own or operate the merchem, or if we smiled ym the adwrtisemeM for the Praponil or wrvlces, ail puncMSu re covered regards- of amount or bcatbn of purchase.) Wane remember t sign all correspondence. t Does not apply n consumer nor -credo card accounts t Dore rot apply to b-moss near-credit card sccmmts Capital Om supports information privacy protectim: um our site at www=ulone.com. Caplul One Is s taffy registered service mark of Capital One Fironciml Ceponfkm. All rights reserved. a 2003 Caphel One 01 LOLBAK This means that you mayY net owe ionce dnrgu, awn n vot our Me anhe lfew BaWncs Indicated m the irom of your eatesem by Me text natanent caking dine, but did rat da w fen the provio- monM. Urpald flrhsrce charge aro added to the bfe segmem of vow Anxaan. tc. Minimum Fih.a.. .for ucih k period the your accehm Ww?Ject to a fin amen carpe, a hNdnnan lard IRNANCE lXrI9AaIME oft 40.50 wiN beoolYmposed. Itytoheu teal finafce du lard t0 60 twheeewYlnctf their periodic rate(s) Is than amount from dhe 40.50 ministate are the difference will be bored to dhe pwohm semnwK of acceen. Tamp Vow t d. bomf atyr Ildlrallan In FMsa C rm. We mm- the "M to not ?stew any or all finame chat ms it my given Av =- : h cat 2. e. ' pMOdMlrone Flnsnce dogs Wfwedated kq the cagy baWnse of esdh apnum of yaw efxoun h•g., dash eMance, purchase, .PW Mnsfer, and -pedal puhMsw) dudrq C o dY t?ymh?Arit?the ? of tech day the Wall period, we apply the dailyY periodic rate Tor ea ea semrtern of your wmem to the da?X?y balance of each aephon. Than n the end of the faterhg period, we add up the reads o1 thaw dally ulWatlar to ardor et your periodic dunce change for each aegmee. We add up Me ranata stain each semnem to amw n the term pmda I finsrrce Jorge fen your accent. To get the dagy kalwce fen ucih semnehhl of your aeGUa, Eke the brimming bdafce for each semnsnt wen add anY row trenwctl sm and my oedotic grwce charge old ted on the preview day a Defwae it Mat samnern. Wa lhen abtnd any payments or credh ported w of thet day that are sNOGled to that sspmem. TNS piste - the separate daily balance fen each fBmnem of yea acceh" However, it you ypa?rd the maw Ba[stce mown W your Previous nattanem in fidi for it yaa new balance ww zee or a credit moment), new tnhoacbns which poet to yaw puhthew or special purchew samrhehns aro not added to the deilY ba[mces. We Gkadate dhe average daily balance by adding all the daily Dalerca igpther and dvkXrp the sun by the number of finance dirge, mWtio van verage daily b Wneeonby total dam rote acrd by the number of days In r bil" O- to raahdng on a dimly baa[s, them maybe e slight verisrce belwem Wes Gfedadon and ft amour of fierce carpe actually asaused. b. If the code Z or N appears on Ma from of tale statement nom to 'Balance Rate Applied To,' we mWtidv the 10364M krparler! Nstlos: Paytnens yes meal to - wil be credited to your accent as of the buirow day wa m-hm h, provided 11) you sarrd the bottom portion of it" mw stnemwn end your check kh the erhUOSed rostinstce e and your peyarht W received In ore procesekp nxmer by 3 p.m. ET (1 2 noon PT). ri Plesw fest at least In 151 business, dap for pfrNdellvery. P. saver received by u n my oMar Wcn 12) ion or In any odor foot may not be cmdtod as of Me daYY we rxelw them. Our bhnkoee days are NmdaY Mrwpk SaturdeY, exckdng hoNdsye. Wuw da inn hue sraplu, {caper ?p inc. when pupsdry your peyrhohe. When send u e dhwkhl, yen serherize - t make a one-time electrodc trarhafer dealt term your bank aetent br the shout of the check. He sudadzsdon epprea to NI doelu recNved dudrhp the bYlknp cyde even it am by aameora Not. If we cannot proc-a she transfer, ycu autMdto us to make a therm against your bank accem ualng Me dock, a paper drsfi or odor keen. 5920" KAREN HARBOLD, Walk into the dealership with your financing in hand! Get an auto loan with an APR as low as 5.99%* and no down payment in just 3 easy steps: Call or 2 Head to the dealership with 3 Drive home in your visit us online. yourApproval Pi7ckage. new car or truck' Simply apply anUne at or call Monday-Fddsy. 7 a.m: t0 p.m. and CaplfalQne auto finance' Semrday, 7:30 a.m.-6 p.m. (Central time) YOUR PERSONAL RESERVATION NUMBER: 0062716744-6035 Account Summary Previous Balance $3,205.99 Payments, Credits and Adjustments - $175.00 Transrctioon a $4.00 Finance Charges 14749 New Balance $3,082.47 GOLD MASTERCARD ACCOUNT 5307-5820-7703-5141 Payments, Credits and Adjustments 1 15 OCT PAYMENT RECEIVED -THANK YOU $175.00- Transactions 2 19 OCT CAPITAL ONE MONTHLY MEMBER FEE $4.00 SEP 20 - OCT 19, 2004 Page 1 of 2 Want to make a difference this November? VOTE! Your vote is important, so get out there on November 2. Minimum Amount Due $92.00 Only you can make sere your voice is heard. Every vote counts! Payment Due Date November 19, 2004 Total Credit Line $3,500 (Non-Kmart/Cash Portion) $3,000 Total Balance $3,082.47 (Kmart Balance) $308.84 (Non-Kmart Balance) $1,035.42 (Cash Balance) $1,738.21 AvailableforKmortPurchases $41753 (Portion available for $226.37 Non-Kmart/Cash Transactions) At your service To a dl Customer Rdations or to report a lost or stolen card- 1-800-830-7524 Send Payments to: Send ingrririm to: Arm: Remituna Procersing Caput One Sa ion Capital One Services P.O. Bm 85184 P.O. Box 85015 Richmond, VA 23285-5184 Richmond, VA 2328S-5015 Finance Charges Pleare see reacrre aide far important information Bdesrtr Pesinlu Cwrr ?s alee /ro roe R ° KMART PURCHASES 9320.68 .04945%D 18.05% $1.76 NON-KMART PURCHASES 91,074.46 .04945%D 18.05% 915.94 CASH 91,804.87 .04945%D 18.05% 976.78 ANNUAL PERCENTAGE RATE applied this period 18.05% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 530758 2077035141 19 3082470175000092008 PGasrprint-1mresevx,?i rmeilrAmsdre belom axmghl.-b! .fink New Balance $3,082.47 Minimum Amount Due $92.00 Sn«t Apr. a Payment Due Date November 19, 2004 Car Sase ZIP Total enclosed $ Home Phone Al.- Phone Account Number. 5307-5820-7703-5141 Email Addras #9029442891197321# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD assassass P.O. Box 85184 11111111111111111111111 Richmond, VA 23285-5184 o - 4529 ROLO CT c MECHANICSBURG PA 17055-5889 Pleme write your-nt number on your ehak or money order made payable to Capital One, F.S.B. and mail in the erulored mwlope. IMPORTANT INFORMATION 'Certain conditions may apply. This offer is nontransfrnble. Your credit himuy will be miewed by Capital One Auto Finance M order to process your application and muse pass scaring requirements. Applicants must be in good standing (not ovedimit or pat due) on any other suiting Capitol One account. The amount of your financing will be based on credit and application criteria. Any bankruptcies mutt show diulurged on your credit bureau report Minimum monthly income of $1,500 is requited. Payment cannot exceed 18% of grams monthly income. Actual rocs will depend on individual edit history and muted be as high as 16.5%. Tod amount financed rnuat br at lace $10,000. [.oast-to-vilue restrictions apply. You man be at last 18 yeast of age. Applicanu most have a valid sttea address within the Uniocd Sums a the time of contract. APO, FPO and P.O. Bur addresses are not d Wblc for this off- Vehide muse be named and maintained in the United Stain. Offer is valid for all models (1999 and newer) excluding Kit, Suzuki, Oldsmobile, Mitsubishi. Daewoo and discontinued vehicle lints. Termimikzge restrictions apply-see approval package for details. This offer is not valid for momreydes, mobile hanes, RVs, cummercial or salvaged vehicles and boat. This offer is not valid in AK. HI and U.S.-cl perident temmries. Program restrictions apply. C 2004 Capitol One Services. Inc. Capital Our arwl Capiall One Auto Finance ate federally mgiuered service marks. All rights zeservd. f? 8 O O N minimum ppeedoelle rate' To drain the average doily balance for the dlltrg dot covered by this statement we sake the ERE of each sepnem each day, add my new peYmema trerreact to each segment, and subttoo any or credits. (If the ". Fl appasto on the from o11Ns staeement men to ance W. Applied To,' we also subtract any unpaid finance charge Included M the balance of each aegeom) This gives ua the dally balance of each segment. Than, we add up all the dally balances for eadi segment for the billing p?tied and dvida by ft total .-be, of days in iho IM; period. This glues us the average doily balance of each segment. a. The town 'Annum Percentage Rate' may appear as APR' an rite ftem of this summers. Is. If the code P IPdme), L 13 me. LIBOR), C ICenif me, of Deposit), or S (Bankcard Prime) appears an the front of this statement men to the pedodlc rafts), the pedodo rates and corresoarhdrq ANMIAL PERCENTAGE RATES may vary quertedy a may iromme a d.rea. based an the stated Indices, as fond in The We# Stria JoasW, plus the margin ppmreNouNy disclosed to you. These ch=w will be eflective an it. fret day of your biMrg cand by your periodic tuttmmt ending n the months January, IN, July and October. c. It the code D IPrkee), F 1 mo. LIBOR) or 0 13 me. USOR Mpdcad Monthly) appears on the flan of your ppeecode rat•), the psdrdgc arse statement next to the and corneworhdrq Amy P PATES my very ndamNy endmev Increase or decrease based on the aimed kMces, as found in The Wig Sam Jntvnw, plus the moron previously dheI to You. These changes will be etlect ve an the Jim day of Your billing period each month. 4. Apa•amrd of Las, Ovridl rd Released Paymsm Fac Your account will be assessed no mom than two 01 the bas limed here that occur during any billing period. Under the t turn of your aramer agreement, we reserve the right to ive a not to assess any fees without prim mdtcmbn to u without waiving our dgM to assess the same or similar at a later time. 6. Yam Assonant. If a meebeualip fee appears on the front of this statement, you haw 30 days from the data title statement was waged to you to avoid paying the be or to how such tea credited to you if you anneal your accord. During this period, you my comMua to use your account without having to pay the membership fes. To carol your account, you mum notify w by calling our Cummor Rdatfan Department and pay your "New Balance" M fug (excluding the membership fee) prior to the and of the thirty day period. 6. If You Class Your Aahaasi. You can requueat to dose yyoauur eccauat by calig our Grtanar Relation Irepnmem. You mum destroy Veto credit cardbd and account access checks, cancel all presudndzod billing, and tress uekq your acwaht. If you do , cancel Prea eel nag srrsrypmsmh, we will consider account. tAddidonni yote account to reopen gar y, Your ur mxraati will was be dosed until you pay all asswurds you am us Including: any transactions you how amhodzed, Nome charges, past due fees, ovedmit fees, returned payment fees cash advance foss and any otlnr foes assessed to your accent. You ate responsible for 1befor amounts whether they appear on your account at the time you repast to doe the account or they are incurred surbssquueht w your request to dean the acce m. This may result in your account if it has already been dosed. For example, it you rmhotnfwctlan ban daed • purchase trap a merchant and we reuniw C Hn merchant after your accent has been dosed, your accent will be reopened, the Sam" of the chotpe will be added to Your account, and yyoouu wig be rsspnrdbie for payment. U there I. a membenldp lee for your socoutt, the fee will canNsse to ba dnrwd, to the extent per by kw, srntll the accoud balance has bens bald M 1W ea dented above. 7. UNtn Yaw Msaun.Your card or award cannot be in tzra= Ism wkh any imemet gemMMg B. Mail" Masi ElsAais Classic OwrveraYrt. When you provide a check as payment, you adbedze us either to use Mlomdatfon boss your check to make a one-tme decira is fund transfer base your bank accent of to process to payment n a dock transaction. When we ass kdfomation from your check to make on electronic hind trainer, furls may be withdrawn hen year bank accoud as seen as the some day we receive your pa Yrorhan ird =u0luien rive your crack beck from BILLING RIGHT$ SUMMARY Nn Cass Of Errors Or Questions About Your Bill) you think your bill is wrong, a if you need more information on a transaction as big, write to us an a .came shoat so soon as poable at the aW- for irdquririft shown an the from of this statement. We mum beer from you no leter than $0 dap alter we sera you the first bill an which the errs or problem appeared. You can cell our Cromer Relation number, bid doing so will not preserve yw dgiss. M yid letter, give u the following information: your news and account number, the dollar amour of the suspected error, a tlnedption of the wror ant en mplrntbn, i s, of win you believe them is an errs; a If you nom! mee Information, a description of the hem You are a norms about. You do not how to pay any amount M wfale we are M your It, but you are will noted to pay the pans of that are not in question. Whlle we Mwulgate your weapon, we umot report you as delMpmn or take any action to collect the amount yw question. t,t Special Rise For Credit Card Purchases if you how a problem with ft quality of property or services that you purchosed with a credit card and you hew tried in good fame to connect the problem with the meechom, you may how rho right not to pay the remaining amount due on the p or services. You how this protection only when 1M purchs. pdce was more than 860.00 and the par w was mods in your home mate or vsitimin 100 miss of your medkg adbess. 111 we own or operate tin members, or If we stalled you the advertisement for Hn party or ssMUs, all purchases are covered regardless o emam or locstiorh of purchase.) Plea. ranembaf to mph all carreepondanc?e. t Does not apply to consumer non credit card accounts t Does, not eppty to buskmas one credit card account =One One supports Information privacy promotion: see our at www.capiukase.ccen. Caphol Om N a fsderagy jetefed service mark of Capital Once Flrnsrhdel Coporatlen. I rights reserved. 0 2003 Capitol One 01 LOLBAK 26 days withoun Assnce he on caw purchases, new balance transbn, new epaulet puc -s and new other chsrgn if you pay your tot I 'New Balance', in accordarhce wltlt the MgoKom Notice for payments below, and M time for ft to be credited by your men statement dosing date. There Is no grace pealed an cash advances and special tranalers. In addtian, there is ns grace pried y transaction if you do not pay the total balM 'New It. Aaating FYsrsh are/e• Transaction which ate not sublsct to a grace peeled am assessed Smnce chirps 1) iron do date of the transaction or 2) Iran ft date the transaction is processed to yin Account or 3) from the 1m calendar day of the parent biM o psclod. Adddaully, If yyoouu did was pay the 'New Balance' Into Hn perv= b I rv period M hall, manse charges conthhw to accrue to your unpaid balance well the unpaid balance is paid M hill. Thi s mere that your may sled owe if-- chews, even it you pay the entire New Balance indicated on the from of wor statement was do an for the by the nand statement elakng dole, but did n previor mash. Unpaid Assume ch."" am added to the seprnen at your Accent iori that. t c. Your r Fhwss . For each bilou pr Your is subject to a Intense w llbe a mnimem total RNAN PANCE CHARGE at 100.50 .60 will be Mpoaed. It the tool lrerhca clurge rernthq him the soglcatlon o1 your p?m ratehl le tan thin ifl 60, d will edMnct that billed t firm the 140.50 anirimun and the dNerence will be to the put chase s?sna? of?yowr accent. t d. omd#w to tY Rsdrnsllrn In Fkrws arch. We rew the edged me?re dioond. n. my o eg Asrrne durpn for an any given 2. -=Cy ?drsh lieshollaill Moor ptrdomeal. a. Rnalne change N cMWated by mdtplying the daily balance of each segment of your account (e.g., cash advance, pu chme, special trainer, and special purchase) by the cormeparn - dally pmbdfc reteh) than has been pre%= disclosed to you. At the end at each dayy du' the hMkg pedad, we apply the dairy periodic rate for each sepnam of your aecman to the da?Y??y Imc i of each segment. Than at the and of the ee•M piled, we add hp the woults of Ilan daily calculations to arrive at your pdadc Nunn charge for each segment. We add up the uewrib ban nch sego ae to arrive at the met priafc lnsnce change far your accom. To gm the dopyy balance for each segnsrn of your arnxdat, wa tike the heglrnkV balance fon each sapnent and add any new losses Ctiare any ppeenode lrsrw:e carpe calculated an the previous and day's balance br Hut aepnem. We than subtract my payments or credits posted as of that day this are allocated to that segment. TNs gives ran the separate daily balance for each segment of your account. However, If you paid the New Balance shown an your previous movement M iced (or if yeast now, balance was zee or a credit emant), new trrs•c kas which pass to your purrisae in special purlsse segments am , added to the daily balances. We calculate the average daily balance by adMg all the doily balances together and dividing the sun by the number of the days In the court billing cycle. To calculate your small gnaw chm p, multiply your average daily balance by the doily pedodc rate and by the ember of days in the billing pedal. Due to reahdalg an a daily baba, there may be a might vadmce between this cebdaHan and ire amour of lname chage actually assessed. b. R the code Z or N appne on the from of this statement men to'Bdance Rate Applied To; we multiply the 10190M latpertrd 1lati s: Payment you mall to us will be cmdtod to your accounts as of the buaMess day we receive ft, Provided 111 You send the batons pinion of this statement and your check in the enclosed remittance envelope and 12) your psynhent le remalved in ou vroceaeing carom by 3 p.m. ET 112 noon PT). Plea. sgow at team 1. 45) business days for posted d.11 Psymems received by us at any other lacatian or In my mher tin maY , 6s 806d as of Hn day we r.mve Ham. Our bsknss days are Malay through Smusday, eradWng hoYdaya. Rea. da ,ass staple paper, ?s me. when prepadnY your pr=. ymkaWhen send ua a dac h), you aWnrixe us to make a an time electronic tfarster debit firm your bank secant br Hs emow of fie chock. This authodxaHon eppYeato recoived ddrg He bNlkg cycle awn if ann by someone else. If we cannot pmtsss the transfer, you authorize us to make a charyp ageism your book account wing the deck, a ppr draft or other item. 201273 CapftWoQ v I auto finance' KAREN HARBOLD, Your preferred status can take the hassle out of financing your next car. Page 2 of 2 Dear KAREN HARBOLD, APR As Low Great news! As a valued Capital One* cardholder, you have been pre-selected 5.99 % for auto fimmcing with an AIR As Low As 5.99X• and no down payment * our auto flaming subsidiary. required through Capital One Auto Finance, No Financing If you're thinking about purchasing a new or pre-owned vehicle, Hassles KAREN HARBOLD, there's never been a better time. The benefits of our preferred auto financing package include: No Down Payment ' Greater control-you'll know your loan terms from the start ' s no financing hassles at the dealership • Valuable time savings-there • Increased confidence-you'll have a great deal before you start shopping Plus, your preferred status allows you the luxury of knowing your loan two before you start shopping. The prestige of your preferred status means that dealer credit applicadons and hassles over financing are a thing of the past. But that's not all. Responding to this exclusive Invitation takes just minutes and you can do it from the comfort of your home. Visit us online at www.cWkdonecar.com or tall us toll free at 1-500-298-2244. But hurry because this offer won't last long! Sincerely, --434AI qAW- `" Perry Freeman Senior Vice President, Capital One P.S. Your auto, nascisg with an APR As Low As 5.99% and so down payment required awaits you. So visit www capWonecar com or call 1-800-298-2244 to apply today! '.See reverse for In"rmnt /nfommdoa reganOW Ws offer. Reservation Number: oo62716744-6034 Have this number handy when you contact us. Visit us online at www.capitalonecar.com or call toll free =-8oo-zy8-2244 Monday-Friday. 7 a.m.-70 p.m. and Saturday. 7:30 a.m.-6 p.m. (Central time) Cap&MO m ( auto finance, tt>_ 3ll1? Important Informatlon Certain conditions may apply. This offer is nontransferable. Your credit history will be reviewed by Capital One Auto Finance in order to process your application and must pass scoring requirements. The amount of your financing will be based on credit and application criteria. Any bankruptcies must show discharged on your credit bureau. Applicants must be in good standing (not overhmit or past due) on any other existing Capital One amount. Minimum monthly income of 51,500 is requited. Payment canna exceed 18% of gross monthly income. Actual rates will depend on individual credit history and could be as high as 16.5%. Total amount financed must be at least $10,000. Loan-to-value restrictions apply. You must be at least 18 years of age. Applicants must have a valid street address within the United States at the time of contract. APO, FPO and P.O. Box addresses are not eligible for this offer. Vehicle must be owned and maintained in the United States. Offer is valid for all models (1999 and newer) excluding Kia, Suzuki, Oldsmobile, Mitsubishi, Daewoo and discontinued vehicle lines. Term/mileage restrictions apply-see approval package for details. This offer is not valid for motorcycles, mobile honks, RVs, commercial vehicles, salvaged vehicles and boats. This offer is not valid in AK, HI and U.S.-dependent territories. Program restrictions apply. ® 2004 Capital One Services, Inc. Capital One and Capital One Auto Finance are federally registered service marks. All rights reserved 10790M NOW w/M$ FREE Accelerator for 0e FdW fY nmwIlltat-a •00 rawn a month for fNbt 3 mmt8ts; $9.?mo.thereafter SIGN NP TODAVI ' 1-888-587-9669 Mention Offer Code: PEARL Or visit www.peoplepc.com/go/pead C"w Account S Previous Balance $3,70623 Payments, Credits and Adjustments $540.00 Transactions $33.00 Finance Charges $53.62 003 peoplepc- online A better way to Intemet. PeoplsPC Ordine offers all the features you would expect from higher-priced Internet Service Providers, including: 19 Virus Protection powered by symanteC- ® Pop-Up BlockerTM * Spam controls a w 1% Smarter Smart Dialer Technology aV Lq More Email Addresses dOP ff Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 JAN 20 - FEB 19, 2005 Page 1 of I Payments, Credits and Adjustments 1 24 JAN PAYMENT RECEIVED -THANK YOU $250.00- 2 05 FEB PAYMENT RECEIVED -THANK YOU 290.00- Transactions New Balance $3,252.85 3 20 JAN OVERLIMIT FEE $29.00 Minimum Amount Due $97.00 4 19 FEB CAPITAL ONE MONTHLY MEMBER FEE 4.00 Payment Due Date March 19, 2005 As a valued Capital One customer we want you to know that your account number has changed. After you Total Credit Line $3,500 activate your new cud, you will need to give your new account number to those merchants with whom you Total Available Credit $247.15 have set up automatic billing. This will ensure that the payments you have arranged will continue to be billed Credit Line for Cash $3,500 directly to your Capital One cud, saving you time and money on postage. Once again, thank you for choosing Available Credit for Cash $247.15 Capital One. At your service Capital One is proud to support The Heart of America® Foundation, helping children learn to read, succeed, and make a difference in the world. In 2003, we gathered nearly $1 million worth of books To call Customer Rdstions or to report a tort or stolen urd: for children in need. To learn more about how you can help a child make reading a lifelong passion, 1-800-955-7070 visit www.heartofamerica.org. Send pay..b to: Send inquiries to: We would like some additional information about you to provide you with the most appropriate Ann: Remittance Pr-sing servicing options, account terms and products. Please call 1-877-282-7085 and use our confidential Capinl One Service Capin! One Services automated questionnaire to update your account. In return, well upgrade your account with $5,000 P.O. B. 85184 P.O. B. 85015 of Identity Theft Insurance - FREE! Youll learn more about this coverage when you call. Don't Rkhrnond, VA 23285-5184 Rkh.ond, VA 23285-5015 wait we need to hear from you by May 15, 2005. Thank you. Finance Charges Pteweseerev rre sideforimportantinformation f Batas rate Period. Camla6 ME g0t&da, ,are APR E iO PURCHASES $1,309.10 .05092%D 1855% $10.62 CASH $1,822.36 .0508296D 18.55% 918.71 SPECIAL TRANSFERS $272.49 .OS08296 D 1855% $4.29 ANNUAL PERCENTAGE RATE applied this period 18.55% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 3252850290000097000 New Balance $3.252.85 Minimum Amount Due $97.00 Payment Due Date March 19, 2005 Total enclosed $ Account Number: 5179-0520-7703-5141 Rewrp-i -1.,r ad4n- any a-mail rbmga betora a.wd bha ar btaek mk. St t Apt 4 City Ste, ZIP Home Phone Al,... 1, Phone #9005142891197325# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 85184 1111aII III 1 4529 ROLO CT Richmond, VA 23285-5184 w MECHANICSBURG PA 17055-5889 Pteare writeyour armunt number on your check or money order made payabk to Capita! One, F. S. B. and mail in the erutwed envelope. r peoplepaw online A better way to Intemet. UNLIMITED INTERNET ACCESS s IMP TODAY! 1-X8_:587-9669 Mention Offer Code: PEARL Or visit www.peoplepc.rom/go/pearl Itt? 8 0 O PeoplePC is solely responsible for this oft and is not of Bated with Capital One. COW One don not provide, endorse or guarantee, and is not affiliated with, any product or service shown here Any trademarks mentioned hemn we solely owned by the respective entity. AN rude mervad. By respondng to On oltx you may be communicating information about yoursdr to the comically that provides this product - for example, that you are a Capital One customer. rPsoplePC Ovine: First 3 months are bled at $4.97 per month; $9.95 per Install thereeRer. Offer available to new diakup subscribers at lent 18 years of age and may not be redeemed with any other offer. Offer subject to charge at any time. Phone technical support available for $1.95 per minute. tkosio .tor a tree for 12 months. Offer good for limited time. After the first 12 milift the Accelerated service will automatically revert to the standard PeoploPC Online serves. Oder stthjed to change at anytime. With PeoplePC Onims Accelerated, cortm Web page tern and grapNu will bed faster when compared to stsuYd did-rp btternst service. AMW results may vary. PeopieK Online Accelerated is only comps" with Pwo@PC Onike lotemet service and specified Windows® browsers. PeoplePC Online Accelerated is no compatible with WkrdowsR 95 with IE 5.5 SP2. Serrice not available in all area. Access tees, taxes, and other fees and restrictions may apply. Telephone to doom may apply, am during trial periods. You are responsible for determining whether a call to one of our access numbers wl result in tdWhone tell charges. Access may be united, especially during time of peak usage. Dial-up numbers may be daerlged at PecplePC's dleoetiom. Contwous use subject to tknao t procedures. AN use Is subject to PeoplePC Odne's Services Agreement end Acceptable Use Policy. 56K is the maximum speed of service; acted speed may vary. 0 2008 Peopl i Inc. Al FlIghts Reserved. PmplePC Online and its logos are trademarks of Peop iPC in the U.S. and otlter countries. 0 2005 COW One Services, Inc. Capital One is a federally registered service mark. All rights reserved periodic rate. To obtain the average daily balance for the MNkapPe dod covered by this statement, we take the oegrmnnpp halance of each segment each day, add any now, trerlaaetlons to each sapment, and subtract any payments or credits. Of the code N appears; an the tan of ills statement next to 'Balance Rate Applied To,' we also subtract any unpaid anance charge inducted in the balance of each srma 1 This giros u the dally balance of each segment. That, we add tip et the dolly balances for each segment lor the biBkg period act divide by the tall number of days in the b Nng period. This gives us the average daily balance of each segment. 3. AthW Praaudya Role tAPRI• a. The term 'Anneal Pememage Rate' may appear as 'APR' on the front of this statement. b. If the code P (Prime), L 13 me, LIBOR), C ICentficate of Deposi ), or S IBa imard Prime) appears on the Iran of tats statetem men to the periodic ratels), the periodic rates and conespo dug ANNUAL PEACENFAOE RATES may vary 'Far Fly anndd may increase or decrease based m the stated indices, as fond In The Wea Street Journal, plus the magic pprov " disclosed to you. These charges will bi eifecH- m the era deY of your billing period covered by ysun Periodlo ataeem ending in the months Janusry, Apra, Jul y and October. c. It the code D (Pilots), F 11-mo. LIBOR) err 0 43-mo. LIBOR Repriced M"Ohly) Wm`1 m dethefromdadc ra of yourte aamrent next to ire ppeetiole r tel.), pes eat care?mdrq ANMIAL PERCENTAGE RATES may vary manHy mmdmay Increass or decrome based m the stated Indicts, as found M The Wag Street Jaonal, plus the msglo pre 09 disclosed to you. These duress will be effective m the fim day of your Willing period each month. 4. Asssssmrd of Lste. Over6i read Released IF 0 Foes. Your accomt will be assessed no mom than tvw of the fees Ilsted here tat ocou during my baling period. Under the terms of your curtansr agreement, we rassrve the right to waive or net to assess my fees wilt ma yrior moiecatbn to you without waiving au right to assess the same or simpler tees eta leer time. 5.1Rraowrky Vala Aeewnl. It a membership tee accent m de frotemtale of tale statement, yoo mailsd have 30 ays tray the da urea to you to avoid paying the m or to to how have such lee credited to you if you carcN your saran. Outing Ma period, you may menthe membership tae your saoum w -c uri te grey the p be. To canes your r secoen, you mute nodty us by ca: our Customer Reladar Depenmam end MV r'N p Balance' In ass foxdudng the to basnp be) der to the end of the /NnY-dsY peeled. 8. It You Cats Y. bawd. You can request to due Yyoouur actmus by caving our Cuatana'=I.) uapanmem. You mot destroy your cred account acoee decks, "noel ON pieaedaodred billing, and "ass unp your accent. It you do not cancN preauhodzedbggng emrgamems, we wYl mesa receipt of a charge your authorization, to amour. Addeauly, =z= .0 not be closed umg Vou P.Y ell emceus Including: any transactions you have actedzed, firuncettees c ft, -, pea due fees, ovedimh tees, retuansd paymen, "ale advance it and any char fees snared to your account. You are reapmalde for these amours whether they pm r acmnat the dmou request to close thpaacr r'hey ere inctraed llam nt to your request to due the account. TNs may result in =c It it has already been closed. For example, awhodzed a purdlaa tram a merchant and we teceiys the narmctbn tram tat mercMnt after your account has been clamd, your account will be reopened, the amount of the cheruQQee wet be added to your &cc%" and you will be responsible Jar po) . H there I. e membership fee tot your account, de lee vA continue o pemrMed by 6 edit tta to be ch=,Z=m, eccaaw Wld b lull as dented above. 7. Ilskralorota Aas.;AYt tar card or aeeaan cannot be caraectiora vvih any Norma gambling transactlar. 6. Notice Allows Elmasoils Cfrali Ostmvralss. Wien you provide a deck as payrmem, you whadze u aft= to user Information from your check to make a one-tine electronic find transfer from your bank accent or to process the payment n e deck transscdan. When we uss into rmslbn trop you desk te tusks an abctmnic tend Nansler, ksada maY be wMctrewn from your hank accost are som m the some day we receive your peymem, and you will ran receive your deck back from Vour flnsnclal InsB .tm BILLING RIGHTS SUMMARY (In Cue Of Errant Or Questions About Your 880 If you think your bal In wrong, or if you need more information on a transaction or hill, write to tam e separate teen as soon ss possiNle at the address fa rgulrie shown on the ham of Mls statement. We must but flan you no later than 80 days after we slim you the first bill m wadch the ono or pnablan appsated. You can call our Customer Reladas ntnbor, feu doing ss will not Pressure Veto rights. In you letter, give us the following nfomlatlm: your .lame and account number, the dollar amouH of the suspected offer, a description of the error and an explanation, If possible, of you beilove there I. an error; or if you mom, Intuma a description of the Item you am ueus, about. You do not hove to pay any amount =Ion vMe we are bvemlgWnp it, but you are gal 0688sred to pay the pans of you Nil that sue not in question. WhB' we Investigate your gtmdm, we cannot report you ss u elkagl w or take any action to collect the amount you quedm. t,t Special Rue For Credit Card Purchase It you have a problem with the quellty of property or ssrvicae that you puauisaed with a credit cam end you lave tried lo good faith to corms tha prabbm vvidt the merchant, you may have the right rot to pay the romair g amount due m the p try or services. You have this c=on o w/mm me pudlase Ddca was moro than $50.00 end the purchase was made M your home one or within 100 mile of Your maikg address. (If we own or operate tat merchant, or It we mailed you the advenismxnt for the p m or service, all purchases are covered rogadess of amwn or locadm of purchee.) Please remember to sign all cornmix dace. t Does act apply to ceaazzrrer non cred/t card -la z Does not apply m business mom credit card accounts Capital One supports infomadm privacy protection: we our webete at www. talone.com. Capital One h e rally redslered service mark of Capital One Fktandel Coponttim. I rights reserved. a 2003 Capital One 01 LGLBAK 1. H- To Avid A Flours Qlaaya. ta. see Prat. You will have a minknun grace period of 26 days v"ma flounce charge on new Purchase., new halsrace transfers, new special purchases and new other charges It You Y Your taal 'New Balance', In s=orderce wlM the Important Notice for payments below, aod In gee for it to be credited by your next statement cluing dew. There is no grace period on cash advances and special transient. In adddm, there is no race period on any I nostrum It you do not pay the total New, bell -.' b. Anhiae Fireo Ghee. Trammed- which ere not abfarn to a prate Period are moomed finance charge 1) tram the doe ot the tnuractIon or 2) from the date the transaction Is processed to your Accent or 3) from the ant cdarder day of the ounwat billing clod. AddtioeaY, if you old Fe pay the 'New BNeuca' from the pmviousbNgrg padad in full, ilosnce dlar{ps comkne to acorue to yya-cx unpaid balance moll the unpaid balance is paid in full. TNs means that You may .0 owe finance charges, even if you pay the entire New Balance indicated an the from of your statement by the next stmernent date, but did not do so for the previous m01nh. Unpaid closing charges am added to the Ne aslPnam of yen Accomt. t c. Ubk Fshes . For each billkg period that your sccouN is astbbj1eecctt to a finance doge, a minkmon total FINANCE 04A710E of 00.50 wig be Imposed. If the total finance one reendarnp firm time e=11. all your pedodk rotahl lsrpeem than 00 60, we that amours iron the $0.60 minimum and the difference will be bled to the -do- segnrh of r acoant. td. TaotemrY Radoalsn Is F w 4Ta/e. We roserve the right to not .. my or all finance charges for my given 2. Mang peti?ed. YraYr? Navy _ a. Romeo, ant change li is ra calculated 1 by multiplying the he daily a. balanant of your secant cash balance o of f each se dv he cp eaporae, of .pedal transfer, and par cureless) by the wag deny periodic ) that end of that has been prevfo pda disclosed to you. the end of each day ch ills billing we unit the he dally periodic rate e for as segment ng y ent at ed your account to the elegy, habalance of each oil segment. Than the end of the haling period, odd up the reach of tlrss daily callations a h segment. t. arrive at youlipr periodic periodic ee charge for e ea ch ment. We add the results from each segment to arrive at the toad periodic fi?o charge for your motors. To get the duly balance for won a e of Your your as nilccou ad, we take the beginning balance for r each .0b sagmem and add my new transactions transactions and my periodic berate Huge calcined m elms previous day's balance fen then egmem. We Men snbtrsct my payments w credts touted as of that day that are afiocated to that segment. This give w the sepsrste daily balance for mch m ill ent of your accent. However, if you osidoMe Nsvr Balsace eleven on your provim statement in (W it your new haI._ wee zero or a credit amount, new transactions which poet to your purchase or special purchism segments age daily kalancet by addtq a0 d- M bekrces togethar and dividing the sum by the number of tat days in the current billing cycle. To calculate your total firsnce charge, mdidp your average daily bid- by the del Y periodic rate and by the taanber of days In the Nakg period. Due to raring m a degY bash, there may be a aggro variance between INS cakulad- and the amont of fl- ch.?* actually asmand. b. It the code Z or N app" m the fore of this aeteman next to ' Bwantm Rae A= To,' we multiply the kzpargM Ned"; Payments you mall to us will be created to you aaam as of the business day ve receive It, provided 11) you send the bottom pomthm of this statement and your deck in the anrJOssd remittance envelope ant (2) your cayman is received in our ocmal g comer by 3 p.m. ET (12 noon PT). Please allow at least Ave 16) boarxess dsys ha postal delvery. Peyrnsms received by us st any other bcatim or bm my othor form maY nm be credited as of the Ny we receive them. Ow bukess days are Monday thrauda Saluday, e?udi g holiday.. Plssr do rota se mplss paper tlbs ere. ohm PreWdng your peymmt. When you and u e doeklal, you autMdze u to make a one-time el=c transfer debit iron your bank secant for the emouaw of the else . TNs audedzadm appges to all docks raoaved during the Willing cycle even H sent by someou Nee. It we carrot prmeae the transfer, you authorize us to make a charge agernst your bank account using the check, a paper dram o other hem. Now With FREE Accelerator for On FOW 12 nwiedot-a "0 t ahm • Afor fkst 3 months: ?.95/rrro. thereetter s10N UP TODAY{ ' 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.com/gotemerald Account Previous Balance $3,252.85 Payments, Credits and Adjustments $200.00 Transactions $4.00 Finance Charges $46.10 New Balance $3,102.95 Minimum Amount Due $93.00 Payment Due Date April 19, 2005 Total Credit Line $3,500 Total Available Credit $397.05 Credit Line for Cash $3,500 Available Credit for Cash $397.05 At your service To all Cuo mer Rel hone or to report a lost or stolen cud: 1-800-955-7070 Send Paymenn to: Send inquiries to: Attn: Rentitunee Processing Capital One, F.S.B. Capial One Service P.O. Box 790217 P.O. Box 85015 St. Louis, MO 63179-0217 Richmond, VA 23285-5015 Important Account Infiormstion Please review the important information enclosed with your statement and keep a copy for your records. 003 peoplepc- online %,-/ A better way to Irltemet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Virus Protection Powered by Sy nante;- ® Pop-Up BlockerTM Spam controls .mp Smatter Smart Dialer Technology ® LW More Email Addresses 411110 * Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 FEB 20 - MAR 19, 2005 Page 1 of 1 Payments, Credits and Adjustments 1 09 MAR PAYMENT RECEIVED -THANK YOU $200.00- Transactions 2 19 MAR CAPITAL ONE MONTHLY MEMBER FEE $4.00 We will be changing how we allocate payments and credits to your account no sooner than your June 2005 billing period. As stated in your Customer Agreement, this may include allocation to balances with lower annual percentage rates (A.P.Rs) before balances with higher A.P.Rs. Please call the number on the back of your credit card if you have questions about the specific changes to your account. Finance Charges Pimejer reverse iide for important infor mation Bai -rate 14-A, Cass»asli d ?I m aplslvdts r?r PR PURCHASES 81,223.81 .05151%D AM% 617.65 CASH 81,716.34 .05151%D 18.80% $24.75 SPECIAL TRANSFERS 6256.78 .05151%D 18.80% 83.70 ANNUAL PERCENTAGE RATE applied this period 19.80% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 3102950200000093003 New Balance $3,102.95 Minimum Amount Due $93.00 Payment Due Date April 19, 2005 Total enclosed $ Account Number: 5178-0520-7703-5141 Capital One, F.S.B. P.O. Box 790217 St. Louis, MO 63179-0217 A..t-i mmlina aJlns asy --mail r6.ad r k-! suns, b6,. rv kl k ink. Sneer Apt A City Sute ZIP Home Phone Ah-- Phone Emil Addtas ! #9007942891197326# MAIL ID NUMBER KAREN HARBOLD 4529 ROLO CT ! MECHANICSBURG PA 17055-5889 Please writeyour count number on your eberk or money order made payable to Capital One, F.S.B. and mail in the mlored envelope. peoplepc- online KAREN MWMLM better way to Intemet. 4529 ROLO CT imfivuPili war" 11rFD INTERNET ACCESS SIGN UP TODAY! 14888-887-9669 Mention Offer Code: EMERALD Or visft www.peoptepc.corn/go/errerajd 'if you wish to war a different audit card, to Oak questions a to cereal, al 1400-927.9371. Your Thenk-You is ninety days of you selections has. Afar your tw period, your aemckm wg continue at IM price kdkalad fa a total of No n mantle. During your pea period, you will receive a rwnkdr noloor If you do not al to tend, ycur account will be cMrgod ninety days ham when you meta your "Naha. Thereafter you wl receive an amid notes end year saactlcns will continue at the raw on the nasm for line next year of bsauss. Now four to tan weeks la dolvary. If a Ile baamas uavibw, it will be ropaosd with are of equal a groatr vaka. (al be meal anytime to a round to "mod laa too. Valid asst card rsqurod. 02006 N:wSub kwgazara Services LLC, Far High Mps Pork, Slamerd, CT 06906 is the vendor and rarvas the right to amt orders. 2006 Capital One Services, Inc. Capitol One is a federally rootered srvla mark. N rights removed. Any tradamerks mentioned haraln we solely owrod by as repoo l" redly. Now&tb Magazine Sonless LLC a solely rsspaw6w for ado our and a not ofliawd wilt Cmpiwl One. Capital One don not provide, endose a guarantee and Is rot dffw W with my product a service shown hrs. By responding to this offer, you may be communicating information about yours.S to the oompa y that provides tits product-fa example, suit you rat a Capital One customer. I_ i t? ttt? t? tttttt? 8 o .f, aoa g PoopleK is W* respowl6M for this offer, and is not aff Aided with COW One. Cepllal One does not provide, endorse or guarantee, and d not alHisted with, arty product or service shown hero. Any tmdenlska mentioned herein are solely owned by the respechre early. N duffs reserved. By responding to this fifer, you may be mmmunicring information about yourself to the company that provides this product - for example, that you are a Capital Ore customer. 'PwOK Outline: Fitt 3 months are billed at $U7 per month, $9.95 per math hereafter. Offer awflable to new diekin suosaNas at least 18 years of age and may not be redeemed with any other offer. Offer sulbect to change at any time. Phone technical support available for $1.95 per nsn te. tAccelereta is free for 12 math. Offer good fa limited time. After the first 12 months, the Accelerated service will automatically miert to to standrd Petpl K Odra service. Offer subject to change st arome. With PeoplePC Online Accelerated, certain Web page tad mid graphics will load hater Orion tampered to standard dal-up cornet service. AGwI resits may very . PeoplePC Onhte Accelerated a any canfaaft wilt PaopWPC Griffis bro met service and specified Wkdall browsers. PWOOPC Chine Aaetereted is not compatible with Wirdoweft 95 with E 5.5 SP2. Service not avelobie N all aaas. Access Was, law, and oter has and resmclions may apply Telephone tot Barges may apply. even during trial peiods. You are responsible for delammig Mteter a call to ant of our access numbers will result in Wephor le tol charges. Access may be limited, especially during tines of peak usage. Dial-up numbars may be changed of Peophl dieaaton. Continuous use subject to tlmeaa processes. N use s supest to PeoplePC OnIM Services Agreement and Acceptable the Policy. 5W is to maximum speed of service, actual speed may very. C 2006 PeopkPC Inc. N Fights Reserved. PeoplePC Online and Its logos am trademarks of PeolI In the U.S. and o 0w Counties. 0 2006 Capitol One Services, Inc. Capital One is a federally negotiated service mark. N rob reserved. Vpeitock rate. To obtain the average daily balance for the biI Ill did covered by this statomem, we take the begs n balance of each segmem each day, add any new traraemiare to each aepment, and subtract any payments credto. (If the code N eppeam an the ham of thas statement fine to *Balance Rate Applied To,' we also subtract any unpaid finance charge included in the balance of each segment) This gives us the daily belance of each segment. Than, we add up all the daily balances for each segment for the billing pred end divide by the tonal ramiber of days in the bNlkg pedal. TNs gives us the evmagqse daily balance of each segment. 3. Mad Pereardegs R.I. IAPRI. a. The term 'Annwi Percentage Rate' may appear as 'APR' an the from of this statement. b. If the code P 1Pdme1, L 13 me. LIBOR), C ICemific.te of Depoel ), or S (Bankcad Prime) eppeare n the horn of tbia matement next to the pedodc total.), the periodic raise and =espaMand no ANNUAL PERCENTAGE RATES may vary gusnad., may imreasa or decrease based the stated kid., ea toed in Tea Wag Street JoranM, plus the marginy giouhy disclosed to you. Thaw chmas will be aHecdve an the firm day of your hitting Fredod covered by your periodic statement stilling In the mntM January, April, July and October. c. If the code D IPrkne), F 11 me. LIBOR) or G 13 ma. LIBOR Repriced Monthly) =,m on the from of your statement new to =it odic ratels), the periodic rate. and correaoaMire AL PERCENTAGE RATES may vary monthly a may increase or decrase based an the stoned indices, as foul in The Wag Street Jorma/, plus the margn previously dsc coed to you. These Gorges will be a/kratve on the firm day of your biting period each month. 4. Asanemard of Lat., Overhang and Amounted Pryrrrd Faae. Your accent We be maw sed no more than two 01 the fees listed here that occur during any billing period. Under the termor of your cumamer agreement, vow reserve the duff to Iva or rat to noes' any have without pdon rotiecetin to w. held waivkg our night to ..san the same or similar e at a m time. 5. rhrMg You A.setmt. Ii a membership tee appears an the ham of this matemerd, you haw 30 day. from the date this maternen t ss mated to you to audit paying the fee or to haw a= fee credited Io you =met camel your account. During this period, you may mrniras to we your accent without having to pay the mrrmbarehip tae. To cancel your accent, you mum notify w by taping our Ctnaner Relation Depenment and pay `s 'e) Balance' n Idl Iexdulrg the membm>thlp tee) pdr to the and at the thiny-day period. 6. N You Class Ye. Asmara. You can request to close m .cceurt by calling our Customer nelatiee rtmrn. You mum destroy your credit cardls) and accent access checks, cancel all preaudorizod bakg, and tees usng your account. If you nor cancal preaahadted bilflrg anargemnte, we will consider rmelpr of a charge your amMdzatin to reopen yywour account. Addtiaally, your eccoun will tat ba cbsed unit you pay apt =m s you owe us imltafirg: any traroectione you atdedzed, flrome Gargae, Pam due fees, o,-riimit fees, nmur ed payment lies., cash advance fee and any what tan Now sed to your accent. You am responsible tot these amounts whether =a=:,cc- your accoum at the time pu request 1. ount or they are incurred erhaqulrht to your repast lo m the accent. This may rearlt fn charges appearing an your amount after you haw your account it it has already been Goaed. For eeample, if you authorized a purchase from a merchant and we -.I- the tranaadn from the merchant it., your team hat been dosed, your aeceeht will be reopened, the amount of the dug?wSl bat atNed to your steam, and yyou will be resporside tar payment. If there io a memher" fee for your account, the tae will continue to ba durled, to the extern parmihW by hew, unit the accermt balance has ben paid in full ore defined ebe-. 7. =, Yeu Aeawd.Yaur card or account cannot be n conviction with any internal gambling ireroectkae. 8. rouse Abed Eleaknw Cheek Cnrwermerh. When you provide a neck as payment, you maladze us eithan to use ntomtsten from your check to make a mrs Ilene electlatiC find UNION limn your bank emotes or to process the paymerd ore a Lack tarwctwn. When we use infomutbn tram your Deck to make an electronic hard transfer, told. may be =,a- from your bank account ore seen as the same day we recd,- your payment, and you will not receive your check back from your financial Institution. BILLING R1014TS SUMMARY (In CO.. Of Errors Or Questions About Your Bill) If you 1Nnk your bill is wrap, or it you road more intonation an a tmnsectan or bill, write to us an a separate sheet as son as possible at the adess for tngsdes shown IN the from of this statement. We must hear from you no later than 00, days after we sam you the fin bill en which the enor m pnob eppmrod. You can al err Customer Rel.== number, bu ddng ao MII not reserve you dghts. In your letter, give us the idfewkq intomutbn: your owns ad ecmumt number, the dollar arm ean of the ehspeeted error, a description of the error and an explarotten, it portable, of why you believe there is an error; a if you need more nbnation, a dacdpSn of the item you are usure about. You do not how to pay any amean n Weetan while we are inwatigednp it, did you are mill oNfgred to pay the pane of your bit that are not in question. While we investigate your question, we carrot report you as delirpuem or take any action to collect the amount you Wooden. t,t Special Rule For Credit Card Purchases If you haw a problem with if* quality of properly or cervices that you purchased with a credit ad and you haw tried in god faith to correct the problem the merchant, you may haw the right not to pay the remaining amoud due an the progeny or services. You haw this protection only when the purcMn price was more than 4050.00 and the purdusa was made in your home mate or within 100 =n; =11 address. (lf we own or operate tha ead you the ad,-Msament for the property or arvicea, al purcheaa are covered =(dlesa of amount or location of purchase.) Please remember to elgn all correspondence. t Does sot apply to ,resumer toe credit card .,cants I Does net apply to business nos credit card accounts Capital One supports inwrmatin privacy protection: sat our webwte at www.apltaam.com. Capital One I. a federally raMard service mark of Capital Z al Coporall- All rights reserved.. 2003 Capital Om OI LGLBAK 1. How To AwN A F'irarse Charge. to. Orsee Period. You will hove a mhtknum grace period of 26 days without Shane the.T n new purchases, balance, Irarofere, raw pedal purchesea eM new mher charges If you pay your tmal 'New Balance', in acardanot with the Impodam Notice for payments below, aid in time far it to be credited by your next natemem dosing dote. There w no pace ril en ash advances aid special transfers. M SaMIpethere is no grace period an any trsroacaon if you do her pay the treat *New hot.-.' b. Mrukrg Ranee Charge. Traneado a witch ere not subject to a gram period are assessed Sroroe charge 1) from the dale of the Imnsection or 2) fear the date the Its ctin is processed to your Account or 3) from the sM ender day of Sat arnmt billing period. Addtiowl y, it you did net pall the ' Naw =a rem iha previous billing period in kill, fkanca anto ccrus to lrour unpaid balance until rte unpaid balance is paid in f 1. This memo that you me out owe fiance surges, even if you pay the smile New Balance indkned an the front of your statement by the roan statement doeng date, but did mi do m for the previous month. Unpaid :an ce charges era added to the isle segnhent of yoArrant. tc. hiltiasrar Finsae .far ach hiakg pedal that your accord is susubhilact to a finroe charge, a minimum toel FINANCE CrHgAe7iOE of 40400.50 will beppillmcpeaed. Ifytohue total theme. pedadk ratraewI m Iw tun f0. 0 the Was r=ofttatn smart from the 00.50 mitrnun and the dfferenm will be bleed to the purchase sepmn? of your arxoud. td. Tis perary Ilrfalwn o FYtarwa Ohrp. We reserve the d¢n to non =sari any or all fierce charges for any given bYYng pes_od. 2. Average DYy galsrae Iktekallin Flew Fyrslrasal. a. Fiance doge la alaLted 6y nw hiplyng the daily balance of each sagne rt of your account (e.g., cash advance, purchase, special transfer, and special purchase) by the corresponding duly periodic mulls) that has beam previously dsdsaed to you. At the end of each doy duct the kg period, wo apply the daily periodic role for ach seQnem of you accost to the dell belame of each seprarn. Than at the and of tha bung period, we add rap the rescue of those tally caleestiaro to anriw at your periodic firorce doge tar each segmerw. We add up the .our. from ach segmem to ardor n the tMe periodic flame du%a tar as aceean. To get the fitlyy bahi no. ton each segmem of your accent, vra take the begnNrg balance tor each aaVhnht and add anyy row it allow ad any pedadc m flroe doge ca I led an the Pravaua day'c balance for that aepnem. We hen subtract any payments, is credits posted as of that dsy that are Bloated to that segment. This gives us the sepeme defy balsme for each saprorn of your accent. However, it you paid the New Belerce shown n your prevfeus statement in lull for it your row balerhm was zero or a credit emouml, mw tranactiare welch poet to Td=:L puchesa segments em rat aare the average fitlyy balance by adding all the daily balance. together and dvldng the sun by Its nunbar of the dew in tie curam baling cycle. To cal ate your total fironce tlarim, multiply your average daily be lama by the d.V pedodic rate and by the number of dap In the tiling period. Due to rourmdrg n a dally baela, there may be a sight vadermce between Iris aksatin ad lire amamt of finance arm actually b. If the code Z or N ppam n the from of this statement next to 'Bel eme flare Appfiad To,' we muetidv the iwplard afrlwr Paymrna we mat to us will be cmdtedto your ::count as of der bisnan deq we motive it, provided 11) you tied the bottom portion of this nsteroam and Your dock in iha endcaad tendtlaroe nwlope and (2) your pecarom w received in tar premsakmg tamer by 3 p.m. ET (12 ran PT). Please allow n east five (6) teminla day. for pomN delivery. Peymerdm received by us at any tar location or In arty other form may rot be credlW as of the cisyy we racmw them. Our hhnekhesa dap em Motley through Saturdayy? exdurdng holidays. Plato his rnot tae stela, pepor fiat mc. vden Drperirq yyoauur pa WMn you and us a dsckwl, you etdlorize us to make a one trine electronic transfer debit fiom your ba k accent tar the amount of the dark TNs atmodtaden applies to eel decks received during the baling cycle even it arm by so w" elec. If we cannot process the trerofer, you authorize us to make 0 charge against your bank amount wing the cock, a paper daft or other item. r--------------------------------------------------------------------------------------------------? I 003 I I 1 S ow Mom your love I. Special savings for Capital One* Cardholders! our next purchase when you use Promotion Code CAP66 i (see reverse for details) Save l 501? Save this code! Offer good all year long I I I Remember: Mother's Day is Sunday, May 14th ; I , I , I , ' im{)tVY J sn I Call 1-800-FLOWERS" (1-800.356-9377) or Click www.1800flowers.com today! Your florist of choice. I PLATINUM MASTERCARD ACCOUNT MAR 20 - APR 19, 2005 5178-0520-7703-5141 Page 1 of 1 Account Previous Balance $3,102.95 Payments, Credits and Adjustments $200.00 Transactions $4.00 Finance Charges $48.71 New Balance $2,955.66 Minimum Amount Due $88.00 Payment Due Date May 19, 2005 Total Credit Line $3,500 Total Available Credit $544.34 Credit Line for Cash $3,500 Available Credit for Cash $544.34 At your service To call Customer Relations or to report a lost or stolen card: 1-800-955-7070 Send payments to: Send inquiries to: Attn: Remittance Processing Capital One, F.S.B. Capital One Semcm P.O. Box 790117 P.O. Box 55015 St. Louis, MO 63179-0217 Richmond, VA 23285-5015 Payments, Credits and Adjustments 1 o2 APR PAYMENT RECEIVED -THANK YOU $200.00- Transactions 2 19 APR CAPITAL ONE MONTHLY MEMBER FEE $4.00 Finulce Charges Please see reaesresidejor implant information F Bdmue rste P-N C s?wsliw6 Ewa gpplirdes rue APR PURCHASES $1,152.19 .05219%D 19.05% $18.64 CASH $1,616.76 .05219%D 19.05% $26.16 SPECIAL TRANSFERS $241.89 AS219961) 19.05% $3.91 ANNUAL PERCENTAGE RATE applied this period 19.05% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 2955660200000088005 New Balance $2,955.66 Minimum Amount Due $88.00 Payment Due Date May 19, 2005 Total enclosed $ Account Number: 5178-0520-7703-5141 P4mepriurmmlin6adJrexr owlore ,railrhmedes be! suingbbu o. blee4 ink west Apt / City Stu" ZIP Home Phone Altesnsu Phone #9011042891197329# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 790217 IIImII1IIIIIIIIIIIII o 4529 ROLO CT St. Louis, MO 63179-0217 rn MECHANICSBURG PA 17055-5889 o IIIII/VIIIIIIIIIIIIIIIIIIII1111111IIIIIIIIIIIIIIIIIIIIIIII111 ? IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII11Illl Please writeyosn account number on your cheek or money order made payable to Capital One, F.S.B. and mail in the enelmed enwit pe. r Get sweet savings on Mother's Day gifts for all the moms in your life ! 1-800-FLOWERS.COMe always promises you and all the moms you love: • Freshest flowers artistically designed • Personal service 2417 for delivery same day, any day • 100% satisfaction and freshness guaranteed • The finest selection of flowers, plants, gift baskets, plush toys, gourmet foods and more • Gifts exclusively designed for 1-800-FLOWERS.COM• by leading brands you trust. i-8oo %wers ccom. Your florist of choice. I? !IIIII? o O pO??m?p dl O N on your next purchase when Save l 5 * you use Promotion Code CAP66 Save this code! Offer good all year long! Call 1-800-FLOWERS' (1-800-356-9377) or Click www.1800flowers.com today! 'Exclusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery rules and times. Items can be ordered online and by phone only. Offers cannot be combined, may not be available on all products and are subject to restrictions, limitations and blackout periods. Offer valid through 12/31!106. Prices and charges are subject to change without notice. Void where prohibrted. O 2006 Capital One Services, Inc. Capital One is a federally registered service mark. Trademarks mentioned herein are solely owned by their respective entity. All rights reserved. 1-800-FLOWERS 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 yourseff to the company that provides this product-for example, that you are a Capital One customer 0 2006 1-800-FLOWERS.COM, INC. • 1-800-FLOWERS.COMO uses Secure Socket Layer (SSU encryption technology to secure its wel begiminnpp bafenee of each Fairmont each day, add any new trernectlas to etc segment, and adttrad any payments or credits. (If the code N appears on the from of this nnemes next to'BNence Rate AppBM To,' we also abtrect my unpaid Lance surge Included in the balance of each ion nrom) TN. gives us the daily ba.- of each wrimord. eemt tordhe Iohg psP ol the Nde ilod and cbNancea a i each by the numbar of days in the ng period. This gives us the average dally bar- of each sepnrm. Asusl Mattlst* rAn IAPRI. The lean 'Arlan percentage Role- may appear as 'APR' on the front of this satemat. It the code P (Prime), L 13-mo. LIBOR), C (Certificate of Deposit), or S IBankcard Prime) appeat on the from of odo two stuenxm next to the periodic rotes), the MA rates end rnrrapahinp ANNUAL TAGTF3 I wry gustteriy and may Increase or decrease based on the need lndces, as board in TM WsN Street Journal, plus the mapoh pyreviousy disclosed to you. These cMrhpe=14 ffective the re1 day of your bNkhg period your )adadc solmen entdng 3. e. b. C. It the code O (Prone), F 11 mo. LIBOR) or O 13-mo. LIBOR Repriced MortNy) appears on the from of your nnemem std to the periods total*), the pedodc rata and rnneeoordm ANNUAL PERCENTAGE PATES may very monlNhlY and may Mcreaa at decrease based on the stood Indca, as rand In The WAN Saver Jamul, pas the margin previously disclosed to you. These changes will be effective on the first day of your bMhV period each mach. 4. Aes omm" of Late, oyardMt ant Rsiatrsi Pay.tst Fees. Vow account whit! ba assessed ne into than two d the bee lined hero that odour during my bBirg period. Under the tens of your customer agreement, we rosetw the Fight to alve or net to asses m tea without ml or F otlkelbn to wtlnout waiving oar rlym to sessions the same or similar et a bier time. 5. Yau Aesaarl. If a membership tee appears on the tram or (hie sneurrne, you have 30 day from the date this statement verse nulled /o you to avoid paying the fee or to hew such fee credited to you if you cancel your accent. During title period, you may conkoe to use your account without having to pay the menbershp fee. To cancel your account, you must notify us bbyu ca" our Customer Rabtiar D parmem mand Pay hap fee) p?rle the Brie rndofof ttlaetN y day por od. R. N You Cbse Your Assist. You can request to does yyoouur accout by ceNrg urn =Ir. r RaleI- ttepa4. Yce mho destredit osdls) and aceorm access checks, canal of prauthorized bllhg, and cease your accaau. It you do not camel preaishadzed arrangements, w. wN oorddar recopy of a chortle your sutladzadon to ?eapen your account. Addad;%y, your accent will not he dosed tt eta s air aureate you owe us including: my You hew mahoill thence drobti Pest , deals due fees, O"ll fees, reamed paymat fees advance faor and any other fees aaseased to your sprout. You am repaurbb for these sments whether dtheyose t accent ar siro en 0on you accent n the toe you request to they am Incurred eWeegetl to your regsat to doe the access. This may revert in cherose ameatoo an your account after vow haw your accent if it has already been closed. For example, k you authorized a rurchase tram a merdum and we raeive the tranaadbn trim the mere as after your account has been dosed, your account will be reopened, the amours of the earrQe will be added to your account, endyou will be teap°n•Ible I. psymm8. 11 thane Is is membeFar* fee for your account, the %a will cetoaue m be charged, m tfu exam pent I'mil by lsw, urtll the arx. ht ),Florae f been paid kr bbl n deMad above. 7. llakha Yaar Aaaaut.Vour card OF account cannot be of casactkm rdlh my Internet gambling transactions. 8. Ned- AYat lamed- Oaak DorrhrFtslan. Wien you provide a dock as payment, you audurke us eaar to use Information from your deck to make a one timer electronic bond tratfer from VOW bank accost or to precious the ppasyams as a deck tramsctbn. When we hue inboanatian from your deck to make an electronic bud transfer, funds may be withdrawn from your bank accost a wan or the same day we receive your paymes, end you will not receive your duck back from your lrorr W Institution. BILLING RIGHTS SUMMARY (In Came Of Errors Or Oueatlas About Your Bill) If you think your Ml is wrong, or If you reed more intimation on e transaction OF bbl, write to us on a separate ahem as soon es =.I. shown m the frenht off, tlila at the W sun oar from you ne later then BO dayy.a afar we sort you the fir bill on which the error OF problem ¦pddnie t. You can call our Curomer Relations number, bar g so wart net rosarve your rigmu. In yos bier, ¢ve r the falbwhg Pn,omatbn: vmr arm .m adcari naroer, the dohar amount of the suspected error, a deactptkm of the error end an explanation, it poselhle, of why you bdbve tare Is an error; or It yew need mom Information, a description of the item yopusanFd urua about. You do not have to pay any ammunis d81 °NI whge ws arc Invenlga2 k, IM you qst pay the pate of your that arc not in question. Whge ws Inves te your quotation, we cannel report You es dehngnrmt or to any action to cdbct the ammun you question. t,t Special Rule For Credit Card purchases If you haw a problem with the quality of properly, or serAces that you purchased with a credit card and you haw tried In good With to coract the problem with the merdsm, you may how to Flight two to pay the remitting amount due on the =Fly or services. You have this protection ord who =Fly price was more than 060.00 and the purchase versa made a your bane state or wain 100 odes of your malirg sdtlroes. 111 we awn or operate the -whom. or If we mslod you the edvertlsemenr for the p y a so.4 es, of purcha es are covered ragardew of r mom or bcaton of purchase.) Plena remember to algn all correspondence. t Does act apply m consumer eon credit card accou is t Does rat apply m business eon-credh cord ,.coons =1 One supports Information privacy prmemim: we our le.1 www.ce talane.com. Gpltal Orte b e ally rednened service mark of Capital Capital Otte I Coporation. I rights reserved. ° 01LGLBAK 2003 I -a. brass Parlsd. You will hove a minimum grace period of 26 days wfthet fironce charge on new purohases, new balance tramfers, new pedal purchases and new other charges it you pay your total 'New Balance', in accordance with the Important Notice tot payments below, eM In tone br it to be creubed by your next statement dosing =i, There I. no grace period on cash adwncea and peamba. In sddM-, there 1. no grace period on any transaction if you do net pay Ilia total 0Now balance.' III. Aasnir Powers tisrga. Tunaacdlats which are at euileet todaate o gracefthe tr period ens=Iaseeseed Brands charge 1) ham the m or 2) tram the date the transaction, Is processed to your Accent or 3) from the that calendar day of the ounent bill pedal. AddtloroBy, it you did ran pay the 'New Balance Z. the proviors billbq period in full, fiance charges continue to accrue to Tour unpaid balance until the upaa balance is paid In hAi1hs seam that you my still owe firnnce charges, even , you pay the onhe New Bslarce Ir %cmted on the from of yo' statement by tha two rt amain dosing date, but did ran do se I. the movieu mahth. Unpaid Bmnce charges are added to the a segnam of you Account. t c. IAtYnaw Fitshse . nor ado bifirg period that your acco as ls to a lama charge, a nuhimun teal FINANCE of 00.50 will be imposed. If to total finance du mnit from the ton of your periodic reels) 1. as then 0.50. we subtract that ammo from the 00.50 mdnknom and the difference will be bMW to the purchase se?ap of yyoauurr eceaan. t d. Temporal NsraNm M Firers al•11N• We reserve the Fight to roads lease any or all finance charges for any given 2. A dNlly= DMy ilil I blabs" Nnw Malaessl. a. finance charge Is cokbir ad by muhlplyoq the daily bar- of ado sepnam Of your addition (e.g., ash advance, purchase, special transfer, and pedal purchase) by the correpondrp dally pedodc noels) that hoe been previously disclosed to you. At the end of each dealy durYhp the bi%V period, we apply tle dally pededc role far .9 segment of your account to the dally babnce of each =al n n the end of the bating period, we add up than clay calcdatlaa to arrive n yax periodic Bross Cheryl for ==$t We add up the renha from each sepnent too P.ztd !manse charge for your account. To get the dutyy beta for each segmad of your account, we take the, b•hmr•°p balance for each segment and add any new transactions and my dodo Letee chacalculated p days alance for ton segment We it- Art.= any ana peynehe a crodts posted as of that day that are aiacated to that ••Vm•°t. TNS gives us the separate daily balance ar each ssprrant of your account. He-.,, if you paid the New Bslssa shown on you previas manure t In tai lor if you new limit_ me Fom OF a credit Immne), new transactions which pan to your ptirchom Fit pedal purchase estimators am not added to the dally balances. We calculate the average daily Manse by adding all the dally balances together and dvidng the sum by the amber of the days in the =taro bWq cycle. To calculate your total lance large, your average dairy balance by the logy riodic ate and y the artier of days In the billing peri . Due to banding an a dally bads, them may be a sight variance between this calculation and the amain of finantce charge adwiy i messid. b. If the code Z a N appal on the Iran of tN. nnemom next to 'Balance Rate Appied To, we multiply the Iryasw Nstbs: Payments you mall to us will be cmcited to you account as of the buWhese day wo receive it, provided (1) you Fend the bar m n portion of this natemmt and your deck in the errdrssd reminetce envelope and 12) your payment b received In cur mdRmIng center by 3 p.m. ET (12 noon PT). Planes show at bas five 16) busker a dove fa postal delivery. Pnymems received by us n arty other besllon or In my ohm am may rhn be .z as of the dayy we receive them. Our b Skase days am Monday through Snsdayy, eakdrg hsldaye. Please da rro use stapba paper or,. wAhan Prqudng you W When Fad us a dackb), you arahorbe us to make a one time electronic trersbr debit fran your bank eccant bt the Foam of the dscck. Thhls euMhodzatlm eppmea to air checks roWwd duig the b&V cyd° even if sent by someone area. If we cams process the transfer, you authorize us to make a charge against your bank accord rating the deck, a paper draft or whet hem. m??REC?- No 596748 v KAREN HARBOLD, Walk into the dealership with your financing in hand! Get up to $30,000 of financing with no dealer credit applications in just 3 easy steps: Call or 2 Head to the dealership 3 Drive home in your visit us online. with your Approval Document. new car or truck! Simply apply online of "call 1,800-304,4884 Monday-Friday, 7 a.m.-10 p.m. and Saturday, 7:30 a.m.-6 p.m. (Centraltime) YOUR PERSONAL RESERVATION NUMBER: 0062716744-06501 PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 APR 20 - MAY 19, 2005 Page 1 of 2 Account Summary Payments, Credits and Adjustments Previous Balance $2,955.66 1 05 MAY PAYMENT RECEIVED -THANK YOU $200.00- Payments, Credits and Adjustments $200.00 Transactions $97.66 Transactions Finance Charges $45.79 2 OS MAY BON-TON-CAMP-HILL ;Y003 CAMP HILL PA $93.66 New Balance $2,899.11 3 19 MAY CAPITAL ONE MONTHLY MEMBER FEE 4.00 Minimum Amount Due $86.00 Payment Due Date June 18, 2005 -Capital One proudly supports the National Youth Anti-Drug Media Campaign. PARENTS. THE ANTI-DRUG. Total Credit Line $3,500 Stay Involved - Ask Questions. To get the FREE booklet, 'Keeping Total Available Credit $600.89 Your Kids Drug-Free,' call 1-800-788-2800 or visit www.TheAntiDrug.com- Credit Line for Cash $3,500 Available Credit for Cash $600.89 At your service To cab Customer Rdstio.s or to report a lost or stolen card 1-800-955-7070 Send payments to: Send inquiries to: Art.: Remittance Processing Capital One, F.S.B. Capital 0" Servim P.O. B. 790217 P.O. Box 85015 St. Louis, MO 63179-0217 Richmond, VA 23285-5015 Finance Charges Pleare re retwsejlde far important info ma hio r BdeA rdr Periollr CZ.- a p May,. W .yyl.Jto rat, liL' PURCHASES $1,14837 .05219%D 19.05% 117.98 CASH $1,545.15 .05219%D 19.05% $24.19 SPECIAL TRANSFERS $231.17 .05219%D 19.05% $3.62 ANNUAL PERCENTAGE RATE applied this period 19.05% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 2899110200000086002 New Balance $2,899.11 Minimum Amount Due $86.00 Payment Due Date June 18, 2005 Total enclosed f Account Number: 5178-0520-7703-5141 Pharr purl -um, aJJrru _41 r-mad rhmdrr bdoeo _ .R b6. - bi"k i.k. Strut Apt. / City State ZIP Home Phone Apeman Phone - #9014042891197326# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 790217 11111111111111u111111 m 4529 ROLO CT St. Louis, MO 63179-0217 rn MECHANICSBURG PA 17055-5889 o 1111n111111111111n111It11111Bell 1111111ItI111111111111gill 11 111111111111111111111111111181111811111lull IIIIIIt1111111Hill Pleme write your account numbs on yora check or money order made payable to Capital Ors{ F.S.B. and mail in the enclared enrxlope. r Buy the car you want with no worries or hassles! You've been pre-selected for up to $30,000 in auto financing. e Competitive rates a No dealer credit applications a Financing up to $30,000 Apply online at www.capitalonecar.com or call 1-800-304-4854 today and take the first step toward owning the new or pre-owned car you've always wanted! Personal Reservation Number for KAREN HARBOLD: Pleu See Important Information regarding this offer. 0062 16 06 Ol eFid during the hours of 7 744- 5 Monday-Frtday, 7 am.-30 p.m. and Saturday, 7:30 a.m.-6 P.M. (Contra[ time) Have this number avallable when you contact us. i? I? Iliiliililll! i? i? g O ^ b Iatpantet tab Abss rba e6., C do condlneo. mar apply. This off. i, hmnumskn6k. T16.11. a oor ra5d in AK. to ad U.S.- dcpmdm, nni-i.. Pmg -m mot incom apply. Abeat yea, To be dgble for olds offs me mum be in ip d -ding (nor ors limn or put" - cry oiler e.ieing Capful One eaoen, Yw ma be r least 19 yon of age To pmrnr year opplion... pm -din hiuory wi8 be rammed by Capiml U.,Aum Pi-and m- pas -6.g mprir.ttra.. Arty b rl up,ave mum l -dea6vtgd -put .afn bum.. Gras or-hlyinoo- men be a mieimum of $1,500 for air off.. Y mw ha v a valid nn. Wthes mddn du: Uniard Sum u the rime uf,omnn. APO, FPO red CO. B. rid- -- e6pble br tba rJfer. Aboss par /raring T7. amore, ofyov, flemdng will he bard - oedit ad appkadom akeria. Payment otuy ne erd 129.-18%of grass tnumhly income, depending on c.d.. Tod amoum fi..-d ... he u Imo 010,000. Lo---.1. remicdom apply. Abel the vikle The .9. or wild fe. dl models 1999 o d new., .eluding Kit, Snuffs OHaable, Miuubdhi, Dueoo and d'rmndneed vAick line, Thu oBer u -W hot mummc6, mobil, It- RVt, mmm.cul of ringed wAk o ad bet. T.mlMiluge mt,icdom apply --appwal perkoop Rot d.,.& Vebak area hi oand and m.im ooel in the Ueitd Sum. 02005 Capid One Sr.icev, I- Capical One and Otpid One Amo Fe - khdly re&.ed twice made. All ngim -J. rpedotnc rate. To obtain the average daily balance for the billlnl riod covered by this movement, we take the t agi? belsnce of each segment each day, add any new renseotim. to each se am, and auhotmet any Payment. or credit.. (1f the code N am - the from of this statement nsw to "Balance, Rate Appned To,' we oleo subtract any unpaid Interim Burge includo d in the belanee of each se .) This giv- us the dilly balance of each segment. Then, we add tap all the daily balarte- br each segment for the dMktg ppeeriod and Aivlde by the total number of days w the hnlirrg padad. TAI. gives us the average dally balance of each segment. 3. Armed Pmas?tpe Re1r IAFRI• e. The term 'AmesI percentage Rate' may appear as APR' on the hen of this statement. b. 11 the code P (Prime). L J3 me. LIBOR), C (Certificate of DepoW) or B (BanVd PdrM) amravem m the from of this stst;MGM nsw to the pedodk l.), the dA.TMl rates and wfreapatdinp ANNUAL PERCENTAGE RATES may vary quarterly end may Increase or do. -. based on the meted frndic-, as foul In The W®U Street downlf, pks it. margin pprevleuWy disclosed to you. These du will be effective . the firm day of your MXhrg period covered by your periodic stateroom erdhrg in the momha Jemury, April, July and October. c. It the code D (Prime), F 11 me. LIBOR) or G 13 mo. LIBOR Repriced MontNy) eppeers m the from of your mmern en next to am periodic Intel.), the periodic to. and correapednp ANNUAL PERCENTAGE RATES may vary manhiy end may insrMse ar decrease based on the mated indices, as found in The Wall S.' JuarnN, plus the margin previo-ly dsclaed you. Th chimps will ba efbctive m tha gin daytoofyour blMnese g period each month. d. Assessment at late, 0-11" srad Restated Paymad Fan. Your accent win be a.seased no mom than two of the tees limed here that omo during any billing period. Under the terms of your customer agreement, we mserve the dlht to waive or rqt to -sea any tees witlmut prier notification to whhaot waiving w right to ease- the ante or similar at a later rime. 5. asserrs I Year Asewd. If a membership tee app-rs m tha iron of tHs statexernL youlehad ve 30 Mil tram the date this statement was mai to tau to avoid peyfrhg the fee or to have ouch f- credited to you if you GrtC"I your actwurnt. Dunning Ms grid, you may rxxnkare to use your eccant without baNtng to pay the membership ire. To cancel Your etcrxam, you .. wily s by MRh g our customer Relations Department the, a period. ' err, mnrp fee) prior to tls earl of (the 1Nn?dc d. N Y. qsa year Asswad. You can requeai to close you +ccouM by MN, our Customer Relarirst Depannurtt. Vase roast destroy your credit card(s) and acctmm access 2, osnml all prep uthorizd blwng, ad c-se your rrxent. I1 you do not cancel preauhadzd qng arrnhgemem., we wNI oxWdar receipt of a charge vex eutlari:etim to r eccam. Additionely, your account will rqt be ,lined um' you P'Y all amount you owe us Ntdur6np: arty trenssctiorn give have auharixd, flrtaroce ,hang-, Pam due tee", avedimh fedan== dvance tens sin any to giver account. You are reportable for these amounts whether =. ppear on your account at the rime you request to du account or they am Incurred stbseprem io your request to dose the eccant. This rosy react fn charges eppearirla m vex secant after vog have your accent it it has already been dosed. For example, if you eulhodzedsa purMsse hen a merohant and we rocelve tine traruction from the ma merc your account has been dosed, your ecceun wige bareopened, iha emoun *b.' f he tacorge wYl ba added to your nceoun, eat yyoOuu aver respetalbI.br payment. It there is e erer mhIp fee for your accent, the tee will cmdnue to be charged, to the extern Urnatted by law, until the seem" bodsom a has been gold in full as defined above. 7. Usbq Ysv AeaesR.Ywr cad or accou tt cermot be io Cprnerdfm whh any Internal gambling interactions. a. Moliss AMut _am._ phsdr corm- ist. What you provwe a dock a Daynarn, give eutlred:e us eclat to care lnl. m Ian your dock to make a one Ano electrodc kand transfer from your bank seeaan or to process the ppasyeta t as a deck trarasct km. When we use Mfematlan Iran your clack an make on dectramc had trmfer, Mils may ba withdrawn from your bank amount son earn as the same day we recd- your payment, and you wig not -W- your check back tram your 441 Irulhution. BILLING RIGHTS SUMMARY not Cam Of Enors Or Questions About Yoar Bill of you Wnk your bN Is wrap, or it you need more infermation m a transact ion or beg, write to a an a s"psrsts sheet as soon as penaDle at the address for ::quid- shown m the from of this statement. We must h-r foam you no later than BO days after we am you the fist MR - which the error or probers appgrad. You can call our customer Relations raanber, Inca dokp so Z rid yyrf -rw yea riles In vent letter, give us tin ldlowkq Mbrrnnbn: your name ad accaan nundar, Uhe doter :mourn of the suspected error, a description of the error and an explanstbn, If possible, o1 wvtihNy you belbve lhare I. error; a if you need room Info matlon a d-cdpllm of the Item you are moves about. Yom % rill have m pay any amount h Im who w! are iovestlgdrq h, inn you are?toMigatad to pay the pans of yea 6bNitf that are not io question. Whin We investigate your quantum, we cannot repent you as tlIquent take any action to collect the amount you qure.tim. t,t Special Rae For Credit Card Puches- It you have a problem with the quality of property or seMces ohm you purdused whh 1Z edit card :1' haw trod in god MM to cerrelt problem tint verdant, yell may have the light not to pay the remakting amount rime m the pr ny or services You haw this protection oily venm the purda- eke was more than $50.00 and tin pu= wss _o9 1n giver home stare or within 100 vies of your ma=a ddress. 111 we own or operate the hnsrdnem, or if id give the edvemsemeM for the property or servk-, e8 purdaa- are covered regardless o amount or location of purchs-.) Plea- remember to sign all conespo de ce. t Oats mat apply to consmnor non reart card accounts t Liles not apply to bualness non-cradh card accounts Ca 1 One supports information privacy protection: we our to et Wwww.ca ' dare.can. tsl O- is a rally r ered wince mark of Capital Rnarndal Corporation. NI fights reserved, s 2003 Caphal One 01 LGLBAK ta. Grass Par lad. You will have a minimum grace period of 26 daystransfers, now apa withan flrurnce therga m new purdas-, new balance tld puMtear and new other charges if you WY your total 'New Balance', in accomsma Nth the Important Notice for payments below, and in time for It to be crerhed by your next statement dosknp data. There is no grace period on ossh advances and apeclsl transfers. M addition, there is er grace period m any lrermacXan if you do not pay the total 'Now bla b. Asstming tir FYtsws tlrOa. Transactions vtfdch are not nrb)ect to a grace padod are ameseed finsnce charge 1) Iran the time of the trarsxtlon m 2) from the date the v:ssetlon Is proceed to your Acctxsn or 3) from the /rst cslerder daY of tlta CmreM babog peri od. Ark/gaally, it?you ad not pay the 'New Belsrce' tram the previous baarq period h kll, 1Nanc?e dnarges cmWas to accns to your unpaid beWree uwl the unload balance Is paid M fufii Thin means that u ma stNl owe /nsnce charges, evert f you pay the emiIr. ew Relents I..d on the loon of your ststennmt by the nsw netemam daring data, but did not do se for the prevles month. Unpeld flnsrnce durgea are added to ate Ma solvent of your Accent. tc. Nis- Fltstw . Tar each billing period that your account is to a /nsnce doge, a mWmun total RMA.WE C14Ae of $0.50 will be imposed. It the total door periodic rnitcee(e h lea Man $O. 0 tweawil subtract ttheI mossurs from the $0.60 minkman and the difference will be filled to rime pwchsa ==V. ount. td. Tsepsty IlsOssast ion We reserve the = a not assess any or all finance charges for any given 2. Awrlp DMy .a Il I Usw Nrdsaal. e. Rerncs do a Is cdculetd by mdtgplyinq tha daffy balms- of Md aegrnmt of your acewtf le.g., osM advance, purchase, spedal transfer, and special purchase) by the cotsapon8rtq drily periodic reels) thatch has been pnMOtady dlsebsed to you. At iha end of ea day dudrq the M" needed, we apply ds daily periodic rate for inch segment of year accent to the doily balertca of each segrant. Than at the end of tha bnlrng padod, w,4u add up the rasWor of these daily caletations to errNe et pedodle 9rurtce avenge for each Z- . We add up the roauha from each aagnem to stathe tnal periodic franca tlarge br vent etxent. Ta gat the dulyy balsnc?e br aril eegrant of your erxent, we take the b+g?9 balsnce br each selnomt eat add anyy new on theedima and any ppeedodie Ikunte charge Wcalculated e than m the privies day's bsla? redin t segment. that th subtract any ;:r pnstd as of g daY that hat a ovm allocated tant. This gives our the aeperate deny balance , ?= r accent. However, ii you paid the No. your Previous nnemmt io fi It your new balance was zero or a credo amours), new trarh"ectfer which pat to =V s or :pedurdtae ailments are not e M/Y balance. We oskdna tine awrsga d, balance by adding ell the dafiy balances together and dividrtg the any by tha rxannbaI of the days in tla anon ion/rap cycle. To cakda your tmel Branca Burge, mcrltiplyy your average Milk bala nnce by the MXY pedodc rate and by the number of days in the hailing padad. Due to raundnp on a daily basis, Mare may be e atgm gIlI11Ce between fins calculatim ad the amount of finance dirge actually assessed. b. It the code cloy e M aTo m the front of this statement raw to "Balance Rate Appnad To,' we multiply the knperWd $IsUSa: Payments you mat to u win be credited to your eccorsm as of the bukaa day ovrecdVe it, proMded 111 you sew the bonom p jon of this 0 trmmrri end your duck m the erodosed r-lNrnce erwelops one 12) your payment is re-iyed in our m procswkq comer by 3 Pe. . ET (12 rnom FT). Please a/ow at 1-0 flue 161 brsharss d to Payments rorxlved by us at arty odor bostbn or In any mhar form may mat bbee cratMed a of the day we medw them. Our busksa M m MpW W rNssry Res- do not ova atpfe. paper dl- nc. rdan Prparirq your psynrtmt What vase send M a deckle), you authorize us to make a one Note denroNc ttf rein rbs =" s t da ? accent br tls smeae ai the rise Tads autlwri:ation eppkes to dl clucks received durkq eu bIPNp cyde even If earn by someone else. It we cannot process the transfer, you mMadze ue to make a charge against your bank accent using the tack, a paper draft or other hem. 10101 1 Cop"One I auto finance° KAREN HARBOLD, Your preferred status can take the hassle out of financing your next car. Page 2 of 2 Dear KAREN HARBOLD, Competitive Rates Great newsl As a valued Capital One' cardholder, you have been pre-selected for auto financing of up to $30,000 through Capital One Auto Finance. No Dealer if you're thinking about purchasing a new or pre-owned vehicle, there's never Credit Applications been a better time. The benefits of our preferred auto financing package include: • Greater control - you'll know your finances terms from the start Financing of • Valuable time savings - there are no financing hassles at the dealership up to $30,000 • increased confidence - you can focus on getting a great deal on your car purchase Plus, your preferred status allows you the luxury of knowing your financing terms before you start shopping. The prestige of your preferred status means that dealer credit applications and hassles over filwncing are a thing of the past. But that's not all. Responding to this exclusive invitation takes just mhmtes and you can do it from the comfort of your home. Visit us online at wwwxsphdoneew.com or call us at 1-800-304-4854. But hurry, because this offer won't last long! Sincerely, Perry Freeman Senior Vice President, Capital One P.S. Auto ftne schq of np to $30,oen with a competitive APR awaits you. So visit wwwcapitalonecarcom or call 1-800-304-4854 to apply today! Sae -f- Mo-Aaa<ln,/F fire, regadhW tbla offs,: ao1?6s Reservation Number: oo62716744-o6494 Have this number available when you contact us. Visit us online of www.capitalonecor.com or call 1-800-304-4854 Monday-Friday, 7 a.m.-10 p.m. and Saturday, 7:30 a.m.-6 p.m. (Central time) C4PMWQ auto finance! Important Information ! About the offer, Certain conditions may apply. This offer is nontransferable. This offer is not valid in AK, HI and U.S.-dependent territories. Program restrictions apply. About you: To be eligible for this offer, you must be in good standing (not over limit or past due) on any other existing Capital One account. You must be at least 18 years of age. To process your application, your credit history will be reviewed by Capital One Auto Finance and must pass scoring requirements. Any bankruptcies must show discharged on your credit bureau. Gross monthly income must be a minimum of $1,500 for this offer. You must have a valid street address within the United States at the time of contract. APO, FPO and P.O. Box addresses are not eligible for this offer. About your financing: The amount of your financing will be based on credit and application criteria. Payment may not exceed 12%-18% of gross monthly income, depending on credit. Total amount financed must be at least $10,000. Loan-to-value restrictions apply. About the vehicle: This offer is valid for all models 1999 and newer, excluding Kia, Suzuki, Oldsmobile, Mitsubishi, Daewoo and discontinued vehicle lines. This offer is not valid for motorcycles, mobile homes, RVs, commercial or salvaged vehicles and boats. Tcrm/Mileage restrictions apply - see approval package for details. Vehicle must be owned and maintained in the United States. t? ®2005 Capital One Services, Inc. Capital One and Capital One Auto Finance are federally registered service marks. All rights reserved. o o? ff 0 KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 Pay to the order of rnpsca nuyux p, wv? wdow Richmond, VA Memo 10909 68-677(510 _ 595752 05545 Y w w wW Q Dollars V R o_ Cardholder Signature 1101090911' 1:0S1006778$:86S207703Si4&III PLATINUM MASTERCARD ACCOUNT MAY 20 - JUN 19, 2005 5178-0520-7703-5141 Pagel of 2 Account Summery Payments, Credits and Adjustments Previous Balance $2,899.11 1 14 JUN PAYMENT RECEIVED - THANK YOU $90.00- Payments, Credits and Adjustments $90.00 Transactions $4.00 Transactions Finance Charges $47.62 2 19 JUN CAPITAL ONE MONTHLY MEMBER FEE $4.00 New Balance $2,860.73 Minimum Amount Due $85.00 Payment Due Date July 19, 2005 Total Credit Line $3,500 Total Available Credit $639.27 Credit Line for Cash $3,500 Available Credit for Cash $639.27 At your service To cats Cwtomar Rdatiow or to report a lost or stole card: 1-800-955-7070 Send payments to. Send inquiries to: Attn: Retnittana Ping Capita] One., F.S.B. Capital One Semar P.O. B. 790217 P.O. B. 85015 St. Louis, MO 63179-0117 Rkhr ond, VA 23285-5015 Cmance Charges Plewesee rR jejiAe* Important infikmatlon Lo B.1- ,d, Per d. c -7 - -' WE m "I&dto rate p ,, PURCHASES $1,171.10 .0520%D 19.3096 $19.20 CASH $1509.17 .05298%D 19.30% $24.72 SPECIAL TRANSFERS $225.63 .05288%D 19.30% $3.70 ANNUAL PERCENTAGE RATE applied this period 19.30% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 2860730090000085006 Akre prml madind aloes ardor, mad el ands below wind blue or btaek irk New Balance $2,860.73 Minimum Amount Due $85.00 Payment Due Date July 19, 2005 Total enclosed $ AccoumNumbm 5179-0520-7703-5141 Capital One, F.S.B. P.O. Box 790217 IIIuu1lllllnlllull St. Louis, MO 63179-0217 IIIIIII/II111/IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII IIIIIIIIIIIIIIII So- Apt City Sr., ZIP Home Phone Altecna a Phone #9017042891197323# MAIL ID NUMBER aa? KAREN HARBOLD ut 4529 ROLO CT MECHANICSBURG PA 17055-5889 en ? ? IIIIIIIIIIIIIIIIIIII/II IIIIIIIIIItI1l11llllllll llllllll/11IIII r Pkase mriteyour account mamba on your check or money order made payabk to Capital One, F.S.B. and mail in the endared envelope. m O M )7 to m G m O O O O A O N m n ffffffffff? f? fff! f! 8 a Ofi 0 O A 2 m Imp G A my o m T OM s M T Z O Z O n A F gj Z = _ a 4 r S? 2_ (a a G n: z m Important information regarding your checks: The enclosed checks will be treated as purchases according to the terms of your Customer Agreement and any amendments to it but may not qualify for any reward programs. The enclosed checks are subject to credit availability, so you must have the available credit on the day Capital One processes your check. Check acceptance is also subject to the current statue of your Account, and the check may not be processed N your account is restricted in any way, past due, or in collections at the time it is processed. M the credit is unavailable or your Account is not current as stated, your check will be returned unpaid and you may be assessed a Returned Check fee. These checks cannot be used to pay down or pay off any Capital One Account. Cashing these checks will qualify as using your Account. All other Account terms and conditions remain in full force and effect. a. Ora" hYtl. You will hew a minimum grace period of 26 dar without firs once the on new purchases, new baiavice tnstslere, new yeusl Purclu"s es] new other drrg" it =the Your toW 'lbw Balance', in accadsr es went the moment Notice for payments below, and In tons for it to be crossed by your next statement dosing dete. There is no grace period on -all advances and pedal Installers. In addition, there Is rw grace period on arty h'arWallah if you do not pay the tots] 'Now baAr ce. b. Asasuig Firnea Chugs. Trsnsecdans with em net wbtect te a (Pace period are asses") Bnsme thanes 11 tran ctheadste of the transactor or 21 iron the date 1s] am transaction I. ay of the e current your A #r!p 31 tom the Rest calendar day of tperiod. Additionally, if you std not pay the •New Balance p?e hear the pervious you even h but u of std c. kitlsteta Five For each clod that t yea accaat Is asuug6Iaeoo?1 lot Nnsnce clistge' a en irnum teal RNANCE pfAAOE of ,0.50 will be Aped. If the teal Nance ch. reaNnp from the sppilcation of your periodic retain) is Ave than +0.50, we wig subtmm that amount hen the {0.50 minimun and the difference will be billsd to the purdase asgnatl of accornht. td. Tgwpwwy Rabnllan 1A FYrt" ierwa. We reserve the dda to not smess my or all finance charges br any given 2. Av= Daly Ww" I- db I New Pars-L a. Rm an a drupe is calculated v mubiclvkw the dakv the bilks period, we apply the daily patkde rate for each aegnem of your scooted to the d"I baiaroe ow "him segnant. Than an the and of the hN rag peri-e add rap the reveals of these daily calculations to arrive at yon periodic Nrhance charge for each segment. We atld rp the results been each segment to arrive at the total pmadc finwhp charge inn you amount. To pot the stdy halaIran for well stagnant of your account, we inks the begiMg balance fm each "grant and add an yy new Inenict and stryydodic Uhat charge "looted all air evfeua day's r segment. We then subtract e paynMan or credits posted an of that day that are allocated to that ssgrmem. The gives us the sWater. dolly balance for each regnant of year aocam. Hoarewr, if you paid the Ifew licence shown on yore previous statamet In frail for If your new bdermce was rare or a eNat amount), row transactions wiYCh past to you Purdy" or special puehase eagmlenta an not add- to the dilly balances. We calculate the average daily balance by adding all the dopy bdmms together and divkpg the wan by the number of dire day A the current your cycle. To calc lane year total ,. drrge, ran" Yom average daily balance by the dock rate. To obtain the average daily balance for the Nbrg period covered by thin statement, we take the beginning balance of "ch segment each day, add my new transecdar to "ch segment, and cub mart any parnents or tract's. fit the code If spp"n an the from of ails staeement men to "Balance Rete Applied To; we also subtract any unpaid fhmrce charge included in the balance of each "pmerm.) This given us the daily balance of each eesomm. Tluen, we add tip all the daily balancer; br each segment for the bil" psrbd and )vide by the total number of days In the binp period. Thin given us the 3. AnW Peremlep leas IAPRI• a. The term 'Amaral percentage Rate' may appear as APR' on the from of Ws statement. b. If the rode P firdem), L 43 all. LIBOR), C ICmNllcma of Deposhl, or 8 IBw*rA d Prime) sppean an the ham of this statement mar to the periodic retain), the padock reten and corr"oor I!2 ANMJAL PERCENTAGE MTES may wry gush dy and may Increase or decrease based on the stated indicant, as feud In TM Wail Streat Jouresi, plus the mngln pprfeeManly disclosed to you. These rmpss will be effective am the Bust day of your biRng psWriotl rovered by your periodic etetemat mMg In the madr January, April, Julyy and October. c. If the node D Saviors), F it me. LIBOR) or 0 (3 me. LIBOR Rpdmd Monthly) appeera on the from of yew statement new to the dock retain), the Pa. net" and mrroeoadvq A'Y Ins PERCEMAOE RATES may very monthly a maY incroase L IF based on the armed kdces, as farad InTI Wi3 Samar Joan), plus the margin previously dischmod to you. These c m em will be effective on the Ernst day of your b" period each mash. 4. A"s"remh at Las, ovsieil and Saban- Paywat Foss. Your amount will be asneened ns mom than two of the fees listed here that occur during any bNIng period. Under the temr of your customer agreement, we mmw the right to waiw or rot to saes" any fees witmout odor notification to without vnlvhg our right to anase the an or simtsr et a loner time. 6. Yew Msahat. If a membership fee appear an the from of aids stetsi You haw 30 days from the date this atetanmmann wa mulled to you to void paying the fen or to haw such fee credited to you if you cancel your account. During INS period You may conics to use your account without having to pay the meenberahip fee. To carnal your aeeoun, You ms] notify us by calling our Cuntaner Reiatians Dpertment and pay r 'New Balance- In hail foaekdrq ft mertberalip be) P"r to the and of the thirty-day period. 8. N Yea Chan You Assonant. You can ro I to dose Zaceouat by calling our customer Relation nmem. You meat dastmy You cmdt cads) and amend acne" it., caned d pv"uherhed billing, and cease your aecaan. If you darner cmhcel preauthorized rag anarhgevmenta, we wal caride, recolpt of a charge your araherization to mopm Wvouu account . Addidamdy, year accord will Mbar dosed until you pay all smouta you owe us Indutlkg: any transaction you hew a, ad, finance chagpn, paw due feen, owdiM lees, renansd payment teen, cash advance fees and any other fees esse"ed to your eccout. You are mparribb for alms amoune whether they !M=r xeunt It thetime you request to dose they are Incurs] wtssgoul to Your requires to dot" the account. This nno renal in charges es " appearing on you accocrht after you t have your account if it hoe already been closed. For example, if you authorized a purchase ham a merchant and we receive the transaction irem the merchant artier your amount has been dosed, yax account will be reopened, the amount of the charpa wall be atld- to year somu m, and you wall be mpo?Mble for payment. If them is a nr *omhp fee for your account, the fee will continue to be cl LCrd m the snot emated by Ave, until the emotat ha hce has been PeC A kN as deMnd above. 7. Using Year Aennad.Ywr card or accent cannot be used In ounxtiion with any knemst gambling transactlens. 8. land. Abet ElsAenia Obesk Camnsaian. When you provide a dock as payment, you authorize us edher to rase Information from your check to make a one-time electronic fund transfer from your bank seem" or to prxew the ppaayment as a check lrarraafon. When we we Informal from yaar check to make an electronic had nansler, furls may be wit drawn from year bank account as soon as the same day we receive your payment, and you will M receive your check beck from Your finsrrdai iMhudon. BILLING R1014TS SUMMARY lin Cass Of Errors Or Gueaans About Year Bill) If you think year bill is wrong, or if you need more a information an a Inarmcdorr or bill, write m us an separate sheet as soon as poWbfe at the address, far kmquid" shown on the from at this statement. We ms] hear iron you ns let. than ten days after we rem You the first bap on vtietm the enor a prahlem a rod. You can call aua Customer Raiatiens number, but odng w will nut preserve your right. In yea latter, give us the following Information: your nano and acumen number, the dollar amount of the suspected error, a deacdptim of the error and an explanation, if possible, of whyy you believe them is an enor; a if you need mote Information, a dracdpdon of the hem you am urme about. You do nor how to pay any amount in =Ion while we are i monst lending It, but you are still ahNgstad to pay the pans of your blif that are M in qunestion. Ville we Inv saZe you question, we cannot report you as deliugtrnt or to am emion to collect the man you question. t,t Special Rue For Credt Cam Purchases It you haw a problem with the quality of property or services that you purchased with a credit card and you haw tried In good faith to contact the problem with the merchant, you may have the right nor to pay the remaining amount due on the pr sty or services. You have this protection oniy when the purdrse pdce was more than ,50 00 and the purohase wen made In yea home stns or within 100 miss of your mailing addams. (It we oven or operate the merchant, or it we mailed you the adwnis= lot the p y or services, all purchases ere pwrod regsrdiaen of amain or Acadon of purchase.) flee" remember to den ell correapandema. t Goes ram appt y m consumer ron-cmdR cell acromnts 1 Dean, not apply ro bustasss ram-credy card accounts One supports information privacy protection: see our r"Idared service mark of Capital 1 rights reserved. a 2003 OILGLBAK . Due to retake on a dally basis, them may be a vadence batasan thin calculation and the amour of e help actually eaaeased. code Z or N app"ra on the from o1 tin statement o 'Balance Rate Appiled To; war multiply the kepasst Hallam: Paymems you and to us will be credited to your arrant as of the bums" day we receive it, provided (1) you send the bottom pomm of this statement and your duck in the endowed reminance onvelape and (2) your payment is received in our proce"kg purer by 3 p.m. F1 112 noon PT). Please allow at best live is) buns" days far posted delivery. Paynvama received by us st my odmt location or Ilnn any other form may M be cradled as of the doty we receive them. Our buskrse days am Monday Mrauplm Saturday, meckdng hoNdap. Phase da M we stapl" palter dha me. when prepednp year psynrm When War send us s all- (a), you mmodxa us to make Bone-rime electronic trem/ar debh from yaa bank octant for tfr amour o% 1s] dhac TNa aWodxation e en to dl drelu received during Me biNkg cycle awn if arm by aanear elec. 11 we .. p_ the trsrrhr, you authorize us to make a charge against your bank accent wing the duck, a paper draft or other hem. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 Pay to the order of r1 14 r11°trtts' Four Hundred and 00/100 Date ExpiresAugust3l, 2005 C WPM One Richmond, VA Memo 1151090611' 1:051006??81:86520??035 14 ilia Cardholder rage 2 of 2 Enjoy greater fledbfilly wifih the attached Capital Ones Purchase Checks! Pundme Ckd s* malm every pundmse more conrmenknt wO easy auount access and no Gronsacdm fire. Plus - • Make purchases where credit cards are not accepted • Pay off higher-interest-rate balances directly • Access your account anytime, anywhere • Use just like personal checks "?1a1Rf No matter how you use them, you're sure to enjoy the added conwnle"It FE of Purchase Checks. But hurry - they expire August 31, 2005. Use yours Wayl OW y? • what's in your wallet? Please see the reverse For the Terms and Conditions for using these checks. ® Zoos Capital one services, Inc. Capital One Is o federally registered service mark. All rights reserved. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 Cardholder Date l.W f Richmond, VA m M o Memo 11' 1090?115 I:051006??81:865 20??035 i4 iii' KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 Y 201491 06546 LJ W Z v $ W 1-1 Q Dollars f%` CWINyO" Richmond, VA Memo Date 201491 - io9o6 68-677/510 201491 o6546 V W $ 400.00 Z ?' W in Dollars K V OC 0. 10907 _ 68.677/510 201491 Y 06546 W Z U LAJ $ in 2 Dollars n a 30908 68-677/510 Cardholder za a "OhO908R¦ 1:051006??81:86520??035i4iii¦ 0 z0 m= rn 0 mi m? 0 y za 10 Z; y 0 n 9 F ? y Z T C r 2~ S w mr m aaa? ! ! aata>• eaaaaa? ! ! ! • kapar4rt Wirrerr it, rag a illogyaa Radraa CMdan Tin wlosed chocks wa Winstead as purchases according to the terms of your Customer Agreement and wrysmendmeMstoRbrtmaynotquaRfyforanyrewardprograms. Theenclosed checks wesubject mcredit "labilky,soyoumust havethew llablecrockonthe day Capital One processes your check. Check ampunoe Is also subect to the current status of your Account. and the drecit may not be processed V your Account Is restricted In any way, past due, or in collecdo ns at the time it Is processe& if the credit Is uwallsble or your Account is mat current as stated. Vow chedt wig be returned unpaid and you may be assessed a Returned Check in. These dads cannot be used to pay down orpayeff oWGWW One Account Cashing these crocks wig qualify as using your Account. If you have an authorized user on your Account, an authorized user cannot request a transfer and cannot use account checks. All other account terms and conditions remain In fug fora and eRecL m0 a Z M0 M o? T m o Ae T Z tL v _A fe ZZ Cr 1 Z? S ca O m? *m 02 i0 b 0M 9; 8 0 z0 m= U) M e7 N O m S 0 T ? = i< y 9 CZl O A Z 2SO _1 O C Z= w a m? * m KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055.5899 ow Richmond, VA Memo 11010921"1' 1:05i006448I:8652074035141u0 Account Previous Balance $2,860.73 Payments, Credits and Adjustments $85.00 Transactions $21.45 Finance Charges $45.42 New Balance $2,842.60 Minimum Amount Due $85.00 Payment Due Date August 19, 2005 Total Credit Line $3,500 Total Available Credit $657.40 Credit Line for Cash $3,500 Available Credit for Cash $657.40 At your service To a6 Customer Relations or to report a lost or stolen arc: 1-800-955-7070 Send Payment, to: Send may hies to: Att. Remittance Ping Capital One, F.S.B. Caput One P.O. Box 790217 P.O. Box 30285 St. L-6, MO 63179-0117 SLC, UT 84130-0285 PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 JUN 20 -JUL 19, 2005 Page 1 of 2 Payments, Credits and Adjustments 1 11 JUL PAYMENT RECEIVED -THANK YOU $85.00- Transactions 2 11 JUL EXXONMOBIL75 04756714 MECHANIC PA 3 19 JUL CAPITAL ONE MONTHLY MEMBER FEE kvires Aagus131, 2005 10927 68.677/510 596770 o6547 x V aC Dollars Cardholder Signature $17.45 4.00 Finance Charges Please fee ret ericiide for important information O Bal ee rah Perwdw Careya+rli.6 m 'Pt duo at, .IPR PURCHASES $1,161.80 .05288%D 19.30% $18.43 CASH $1,489.92 .OS2W%D 19.30% $23.64 SPECIAL TRANSFERS $210.87 .05288%D 19.30% $3.35 ANNUAL PERCENTAGE RATE applied this period 19.30% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 2842600085000085001 New Balance $2,842.60 Pleneprinf medwtzaddreu and e-maile6mdr Moto wend R or Al.,ki.k Minimum Amount Due $85.00 Payment Due Date August 19, 2005 Total enclosed S 1 :1 Account Nmnba: 5178-0520-7703-5141 Capital One, F.S.B. P.O. Box 790217 1111111111111111111111 St. Louis, MO 63179-0217 111111111I6111111111 1661 11111111111111111116nIIIn1611 1111 Snret Apt. # City Stw ZIP Home Phone Alnrnw Phoar #9020142891197326# MAIL ID NUMBER KAREN HARBOLD ° uun? 4529 ROLO CT MECHANICS13URG PA 17055-5889 ° IrnnIILn111111111111111 1 11 11 116111611111611111116111111111 r Please write your account number on your curt ar money order made payable to Capital One, AS. B. and mail in the encored envelope. O O M 2 m yM < A m y a m T " Oaat .° T Z nil Z O _n a p Z a m m Z ~ S Ch W m C m s fib ddd? trot! d? ifft? 8 o O ' o ?m m? Important information regarding your checks: The enclosed checks Will be treated as purchases according to the terms of your Customer Agreement and any amendments to it but may not quality for any reward programs. The enclosed checks are subject to credit availability, so you must have the available credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your Account, and the check may not be processed it your account is restricted in any way, past due, or in collections at the time it is processed. If the credit is unavailable or your Account is not current as stated, your check Will be returned unpaid and you may be assessed a Returned Check fee. These checks cannot be used to pay down or pay off any Capital One Account. Cashing these checks Will qualify as using your Account. M you have an authorized user on your Account, an authorized user cannot request a transfer and cannot use account checks. All other Account terms and conditions remain in full force and effect. ppeedodc rate. To obtain the average daily balance for the hiMkq period covered by No statement, we take the bedmYng Wlance of each segment each day, add my new tremmactlans to each segment, and subtract any patmento or credits. it, the code N appeam on the from of this statement new to 'Balance Rate Applied To,' we also subtract any unpaid finance charge included in the balance of each segment.) This gives us the dally balance of each segment. Than. we add Lip all and the daffy balatrom for each segormt for the r of days MNh?e blWq divide by the total gives the avenge deity bsiarnce of segnm?ida ea e. I ns rem -Arrhwl Percentage Hate' may appear as APR' on the fmm of this atalamtln. b. U the code P drdme), L 13 mo. LIBOR), C (Certificate of Depositl, or S (Bankcant Prime) appan w the tan of thin statement next to the osdadc fools), the padoc0 neon and carresporhdre A AL PERCENTAOE RATES may very gwnedy may Incmam or decrease based on the stated Inclose, as found In The Wad Street Jouaef, plus the margin pprreevieuly dadosad to you. These changes will W efbcdve on the lrst MY of your b"R`Q period covered by your periodic statement erdkng in tub maws Jaxsry, April, Jul sal October. c. If the code 0 ('rime), F 11-me. LIBOR) or G (3 mo. LIBOR Repriced Monthly) aPDaan on the from of your statement and to the peo rents), the pedoek ma and corresponding ANNUAL PERCENTAGE RATES may vary monthly mdmay Increase or decease based an the mated Indices, ss found M The We# S, Journal, plus the margin pro car. des to you. These charges wall be effective on the A. MV of your biting period each mach. a. Aassasahsad of kale, Ov~ and Masatmd It o nrd Foss. Your accent will be assessed no more then two of the few listed hem that occur durkp any blWnp period. Under the tams 01 your cinema agreement, we reanve the right to waive or not to assess my fees without prior notification to without welvisp err right to assess the same or similar ass at a Ater time. 5. Your AaasaN. If a t membership rat you appears days from on the tent this s statement 30 statement wayou have days the the dole this s eared to you to avoid paying the lee or to o how wa heve such fee created to you if you you cancel your account. cuing this period, od, you may a to use your r account cancel your u achaving count you pay the membership tee. our u mutt cty tae by calling ar w by our Customer ya Roe;ions yo f Relat ng the the Department M Pay 'Now 'New Balance' ' In M kdi fee thirty membemp too) prior to the aid of the thirty-day period. 8. N Yw Close Ysu Aaatad. Yw can request to doss yyww r,,=Yby . wf Customer ReWlne uepanmanw nxrst destroy your cm& card.) and accent access decks, cancal tit preaudrorized baling, and cease 11, aceuan. II cance you do not l Pm.=ad its anafngtnems, vwe will r do recelpt of a charge your authorization to reccored you accent. Additionally, your accent will not he deed udfi you pay ail amours you owe w kndrsfira: any irarwctiam You have authorized, finswe char, pen duo fees, ovednrit ors, mtumed psyrwnt fen, ash advance feet and my otWf fees asse»ed to Ywr account. You am responsible for these amount whether they appear m your mmurd at the time you request to doss tub aceoud of they are incurred subsequent to cles he account. TN. on wuraccoud aft- voy result I. charms awearke Your amount t if it he. already been dosed. For example, n you purchase from a merchant and we receive the transaction from the merchant after your amount hew been dosed, your account will he meopmed, the smart of the chsrya?tAN be added to your account , and you will be mapmsl for payment. If there I. a Gt rrpped fee for ttothe axiom permittthe ed b e will continue to be by law, undl the accent halmce has hear paid in full as defined above. 7. U l? You Aosse t.Your card or axon cam of be in omnwl n with my imemat gambling transactions. 8. NMI" Aboad Frasbatde check Co madmen. When you provide a check as payment, you authorize w either to use inform tim from your deck to make a ons-time electronic koW transfer fmm your Wok acctan or to process tub ppssymard as a deck lrefractien. Wren we use mitates n tram your deck to make an siectrnnic fund transfer, fund. may be withdrawn tram your bank ..court as soon as the amt day we recent your peymem, and you will not receiver your hack back from your finsncial institution. BILLING RIGHTS SUMMARY do Case Of Enom Or Questions About Ywr 811) You dank your bid is wrong, or if you reed more information on • transaction or bill, -he to w on a sapans meet as soon as possible at the oddess for =des shown an the from of this statement. We roust hear than you no later than 00 Mpp after we som you the fist hid w which the error or prahlan ap?osot. Yw can cad wr Customer Relation raa,nherI but adrq so will net =1 you rights. In your letter, give w the following n: your Fromm and acetad amber, the dollar amount of the suspected mot, a deecdpim of the error and an e;Vatmtion, If possds, of vMnyy you below there is an error; or if you need mom Inform , a deamipdon of the item you am a sus about You do tot hove to pay any smont In question while we are immodga lrrg it, but you are still oNkgnsot to pay the pans of your did that are not In question. - e we investigate your *mad-, we carrot report you as dMMqumm or take any action to collect the ammnt you queststion. t,t Special Rule For Credit Card Purchases If you have a problem with the quality of property or .eMcr that you purchased with a cm& card and you heve tribit in good faith to correct the problem wdth the merchant, you may have the right not to pay to remaining amour due on the p fry or services. You heve tee Protetron ody when tiro pumlm a price was more than 660.00 and the Purdmse vwa made rat your home mate or within 100 mdr of Ywr msE:Z oddmss. (11 -.-or operate the merchare, or if we meted you the advenisat em for tub p y or services, all purchases are covered rogs,diess of amour or locative of purchase.) Please remember to sign all wrreapo ndence. t Obas out apply m consumer non uddk card accounts i [Ma oot apply to busi Was roe credit card accoonts One spporta intimation privacy protection: sea our m www.ca tsbns.. One is a f1 rally reycemstered service mark of Capital motel Copomilon. All rights reserved. a 2003 One 01 LOLRAK to. Qsss period. You will have s minknun grace period of 26 hays witliou 6nmM cMryrgee on new purchase, new bsiaxe trmsfen, new sim purchases and new other dutgs If You paY Your total 'New Balance', in accordance witch the knpoMm Notice for payments bebw, and in time for It to be credited by your more statement dosing date. There Is m grace period on cash advances and spaclsl transfem. in addition, there Is no Qace perod on my transactial if You do not pay the total New b. Assaults Fkhans charge. Transactions which am rent sudh)ect m a shwa period an assessed chance dose 11 ham the doe of the transaction or 21 into the Moe the tra r taleis processed to your Atng 31 imm the find calefWar My of the txrtran biding p or cod. Addi0onsMy, i1 Yyoauu did not pay the ' New Balance' from the Previous hl nY q Period lire hdi, finane charges cardkam m accrue to pu unpaid balsrtce until the unpaid balance is paid in full. Tits mans that you my sots owe leave charges, even if you pay the stake New Balance indicated m the from of you matgnad by to art statement dosing hate, bra did not M se ins the pievlaa month. Unpaid thhahce charges are added to de a "Immal of V" Accent. t c. kfatiwta Rhrhr for each bWka period that rura Your Ra C KANEs subl ct rural CHAeM?eiaEloto a ff $ .50 ? apr9peYknq do ya?ur periodic rote(s) Is lem Mm 10.60, we wIp caabtroot that aataad from ths $0.50 minknrae and the diffmm. will be Mad to tub purchase, segnsam L=; ecearad. t d. Tomes n, asdsMYn lift FYmss ahsaaa. W a reserve the right top sndoot dassess any or all Inane charges for any given 2. Awrtgs Daly ode ms fMksita Now Fudmssal. a. Rrwep dsae is calculated by nndtiplying the daily balance of each wit msM of you amount (e.g., cash advance, purchase, WwW transfer, and special purchase) by the mm sM mhdirp daffy peded , ratels) that hew been pmvitMy dscloasd to you. At to end of each day du the bWkhg period, we apply tub daily periodic me for each segment of youd account to the M??il_Y balance f each sgphent. Then at the end at the bYIMp perodo, we add up the rotas of ttess dalY calculations to arrive at your periodic firsrcer c hstg r for each segment. We add up the rswdls from each segment to arrive at tub total pedodc fto1m a charge for your aceent. To pre tub Malyy Wlarwe for each ssgment of your acaourht, wa take de beginning balance for each segment arW add any new transactions and my Periodic hence cheap cal.Wted w de previte day's balance for that sepnsad. We then thbtnt my paw s er credos posted as of that day that are allocated sslpmhrht. This gives us the separate doily balance for m ? helsme torss, your previ accp r However, If you ppeerd the ew statmem in fiM for if your new balance was zero or s credit amount), new tramsctlar Which poor to your Purchase or special purchase sediments am not added to the daily balances. We calcularo tub avenge doily balance by adding all the doily Wlanee together and dividing the tot by the number of the days in the cumrd biding cycle. To calculate your total chance dsrge, mublplY Your average daily balance by the Maly pedodc rate oW by the matter of days in the bWMa Period Drs to reodng on a doily basis, there may be a .NOM vadaree between this calculation and tub amount of finance, de acnalty, assessed. b. If the code Z or N appeom en to horn of this statement nsm to 'Balms Ram Applied To,' we muldpiv the kapnsad ids0ss: PeYmads you mad to w will be credited to Your account as of the bwinem day we receive It, Provided 11) You send the bottom Potion of tide stateroom and your deck is the erelosed radnaee envolow and 12) ywr payment is received in our processing caner by 3 p.m. ET 112 noon PTI. Please allmv at last five (6) business days for postal delivery. Paymtmls received by w at my ode, location or in my ether mm may not bbee credited as of the day we meiw them. Our bwkmae days are MaWY mforg h Hshads a hadM Please do rat use napln, paper dla rec. vAen Prepadrp yyoouur psymerht. When =send w a deck(s), you authorize us m make a one time electronic trarrefer debit fromnk ve. e. for the emam at the deck. Tale authed:atlon apper to ell check. received cadres the being cycle even if sent by someone elm. It we cannot process the transfer, you authorize us to make a charge against your bank account using the deck, a paper draft or other hem. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 CS_ Poytotheorder of ??ry r1Ar1 Four Hundred and 00/100 c if"WO B' Rkhmond, VA Memo e10924iia 1:051006448i:865204703514iii8 Page 2 of 2 Enjoy greater fleldbloilly with the attached Capital One® Purchase Checks! Purchase OWdcs* malice every pumdtase nave conmilent r?0 easy account access and no ilmnsadbn fee. Plus - a Get cash for things you want and need a Pay off higher-interest-rate balances directly a Make purchases where credit cards are not accepted a Use just like personal checks No matter how you use them, you're sure to enjoy the added convenience of Pundase CheckL But hurry - they expire August 31, 2005. Use yours todayr ?• what's in your wallet? ' Please see the reverse for the Terms and Conditions for using these checks. ® 2009 Capital One servIces, Inc. Capital One is a federally registered service mark. All rights reserved. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 Pay to the order of Expires August 31, 2005 o Richmond, VA m un10925iia i:051006?78L:8652077035i4illa KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 Date ExpiresAugust3l, 2005 201527 _ 10921E 68-677/51o :03527 06547 U W S 400.00 x V W tn Dollars S V Cardholder Signature Date Cardholder Date 10925 68-677/510 201527 Y 06547 V W x V W Q x Dollars n Q. 10926 68-677/510 201527 4C 06547 V W Z V $ W Q x Dollars Is, ow Richmond, VA Memo a Cardholder Signature 11010926iin 1:051006748I:86 5 204 70 3 5&k1gO O ;U O M = NO <m a I11 y T T A a Z D 7 Z O Z O Z 4 a ?m cF ZZy x yma r *m tata? 0 o? it MUM bdwn dimr tag willagyortr hedrua Chedw The enclosed chedswill be treated as purchases according to the terms of your Customer Agreement and arryamendments to it but may not quagfy for arty reward programs. The enclosel checksaresubjectto credit availabift, so you must have the mil" credit on the day Capital One processes yaw check. Check acceptance is also subject lo the cumeM stabs ofyowAccount. and the check may not be processed lfyw Account Is restricted in my way, past due, or in collections at the time it is processed. IF the credit is unwallable w your Account is not current as stated, your check will be returned unpaid and you may be assessed a Returned Ched fee. Anse checks cannot be used to pay d ow or pay offorry Capital OneAcmft Cashing these checks wig quality as using your Account. If you have an authorized user on your Account, an authorized user cannot request a transfer and cannot use account checks. AN other account terms and conditions remain In Poll force and effect. O AO CM (n Z A O m? O, n 'm O .L y M 7 Df) A OZ =i m C r _: Oy Z Z N Y m? *m o o m O A m m ? m p ? m m < A a m m " a v a ° o C77b 0 r- a O Z N m O Z A C Qr _1 M 2 y m c: re m N m r' 0 0 * Z m KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-589 Pay to the order of Ones Richmond, VA Memo Cardholder log61 68.677/510 596770 06548 Y v w U S w V1 Q Dollars ce CL CL wn-aa ?epsemurr z0, zv105 11.1096111' 1:0S10064481:86S207403Si4Ilia 111110 PLATINUM MASTERCARD ACCOUNT JUL 20 - AUG 19, 2005 5178-0520-7703-5141 Page 1 of 2 Account Summary Payments, Credits and Adjustments Previous Balance $2,842.60 1 08 AUG PAYMENT RECEIVED -THANK YOU $155.00- Payments, Credits and Adjustments $155.00 Transactions $4.00 Transactions Finance Charges $46.58 2 19 AUG CAPITAL ONE MONTHLY MEMBER FEE $4.00 New Balance $2,738.18 Minimum Amount Due $82.00 Payment Due Date September 19, 2005 Total Credit Line $3,500 Total Available Credit $761.82 Credit Line for Cash $3,500 Available Credit for Cash $761.82 At yourservice To a0 Customer Relatiow or to report a lost or stolen and 1-800-955-7070 Send Paymenu to: Send inquiries to: Attn: Remittance Processing Capin) One, F.S.B. Capital One P.O. B. 790217 P.O. B. 30285 St. Lam6, MO 63179-0217 SLC, UT 84130-0285 Finance Charges Please jeereversefideforimportaxtixfa ation 0 Bdws .ate Pr.Ae Cwre __ FII51A E gspliedto rate . . PR CHAR PURCHASES $1,174.29 .05356%D 1955% 51930 CASH $1,490.61 A5356%D 1935% $24.75 SPECIAL TRANSFERS $14039 .05356%D 19.55% $2.33 ANNUAL PERCENTAGE RATE applied this period 19.55% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 2738180155000082009 <N areprott mailing add,,.-,V e-mad,hartges be/ wingki-ar44ukimk New Balance $2,738.18 Minimum Amount Due $82.00 Sheet Apt r Payment Due Date September 19, 2005 City st- ZIP Total enclosed $ Home Phone Altemue Phone Amount Number: 5179-0520-7703-5141 Capital One, F.S.B. P.O. Box 790217 11111 tn1111 1111 nIsII St. Louis, MO 63179-0217 #9023242891197321# MAIL ID NUMBER ! KAREN HARBOLD N 4529 ROLO CT ara MECHANICSBURG PA 17055-5889 r Please write your account number on your cheek m money order made payable to Capital One, F. S. B. and mail in the endured envelope. 0 0 A z to of M A m H o m T - Q t A ? 2 O D _n T Z Z W 'M 4 r S? W al m r m s>e f? f!! f? g 01: oro' Important information regarding your checks: The enclosed checks will be treated as purchases according to the terms of your Customer Agreement and any amendments to A but may not qualify for any reward programs. The enclosed checks are subject to credit availability, so you must have the available credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your Account, and the check may not be processed if your account is restricted in any way, past due, or in collections at the time it is processed. If the credit is unavailable or your Account is not current as stated, your check will be returned unpaid and you may be assessed a Returned Check tee. These checks cannot be used to pay down or pay off any Capital One Account. Cashing these checks will qualify as using your Account. If you have an authorized user on your Account, an authorized user cannot request a transfer and cannot use account checks. All other Account terms and conditions remain in full force and effect. nee. earance "Town segment each "Y, an any now tress era to each segment, and subtract anY pay nenta or credits. IN the code N appssn on the from of I . statement nett fe'BNarrtt Bate Applied To; we also snr.d any unpaid finance chary" included in the balance of eaM segment.) This gives us the daily balance of each segment. Then, wa add up all the dally Mlarces to, each sagerster to, the of calla kNigth?e period and di, by the total nu t rperiod. This ghee us the average dally belaoe of each sego.. 3. Amen] Paaaasgs Main IAMI. e. The term 'Arne.] Percemage Rote' may appear as 'APR' on the from of this stmemem. b. If the code P glorious), L 43 me. LIBOR), C (Cenificate of Deposit), or S remittent Prime) appears on thepffrront of this statement rates and -responding ANNUAL PERCENTAGE RATES may very quarterly and may Increase or decmase based on the mated Indices, as found In The WW Szreet ?aana6 plus the marg. pre V disclosed to you. These chsngea will be etictve i the first day of Your Nilkg period nverod by Yon periodic statement ardrp st the montla Janwry, T,- l"i and c. If the cods D IPt )r F . LIBOR) October.or 0 (3 ant. LIBOR Repriced MmWy) eppeea on the irons of your wm-Fort next W to petaAc ramfsl, the periodic rates and coANNUAL PENCENTAGE PATES may vary momfYy sndmsy Mcroase or decrease based on he stated kdlcea, ae found rn TM W.N SUM Jnrarul, plus the margin previously disclosed to you. These charges will be effective on the firm day of your Nang period each march. 4. AsswwAW of Late, O vergers aM RsllrtrW Payrrad Fs... Your amount will bs ...eased n moo than two of tai feea listedThere that occur during arty bOW, period. Under tine time of your costumer agreement, we reserve the right to eve or net to assess any fees without prior notification to you withut waivkg our right to assess the ...e or Similar law at a later tote. 5.tllanmvYg Yaw Aesswn. If a mamberehip fee apps on on from of No statement , you hove 30 day. from the date thin statement was mailed to you to avoid paying the fee or to he" such fee credited to you if you caned your account. During this period, you may cant.. io nee Your account rt1Mw having to pay tai membership W. To an.] your secant, you most ratify os by caging our Ocsfaror Reletluns Deparbnem and the mew W) Batiato the ncer' Ford of Me t?Nnyy--day period. 8. R Yen Gass Your Aessad. You an request to dose your wcerrs by calling ass Customer Relations oepenmem. You mum destroy your credit affil and account smear declu, conc.] ,all preauthorized billing, and arse your anwtt. I1 you do not camel peashorized anengemema, we will contacts eceipi of a charge you aModzatn to rages your ccam. Pay' a'Y, your amount will not be closed until y? y al smouts you owe W including. any die two, owdimh Use, returned payment fees,;wh advance teas end any otter fen asssssed to your eccar.n. You are rs.padIn. for tlese anwums whather they appear an your amain at the rime you request to dose the smarm or they am incurred subsequent to your request to dose the account. This may rest in charges appe.ring an your account after you hove your account if it bee already been closed. For example, if you matted :ed a garden from a merham and we rot.]ve the tremactlon Iroet the ...hunt after your account has been dosed, Your accent will be reopened, the amount of the charge will be added to your account, end yyoouu will be m8ponsible bet payment. It there is a merMeship fee for Your WCOW, the fee will continue Io M d bs to tai event pemrmed by few, anal the escarp ba arse Ms been paid in fun _Z-1 above. 7. UMIa Yaw Asawerl.row and or aceown cannot be used kit rmx.,- wlth my Internet gambling Immersions. 8.1 AMtd E>aSYSrrie OhFit conversion . When you provide a deck as payment, you authorize us either to use information from your deck to make a one-tme electronic fund! transfer from your bank account or to process ft= es a deck tamaction. When we use Infoma tram Yours desk to make an electronic knd transfer, funds may M wlthdrawn hen your bank Accam as soon as the came day we receive your payment, and you will not receive your deck back from your Imandel institution. BILLING RK314TS SUMMARY (ln Can Or Errors Or Questions Afton Your Big) If you think your big is wrong, or it you creed more Information on a irenseatlon or bill, write to os on a sepami sheet as soon as possible n the address for inquides shown ch the ham of this statement. We must Mar from You no Ister than 00 dayyss after we wan you the first big on which the error a pmblom appeared. You can cap our comm... Relations (aired but doing se way not preserve you dghts. In your hater, gal us the following mtommion: your name and account number, the dollar amount of the suspected otter, a description of the error and an motaution, Ifpossbb of wityy ou belies d". Is an amer, or it you .sect mominbnnatloyn a desedpten of the hem you are unsure about. You do not have to pay any amain in ion wait ere will question. tad t to pay tai pen we arosr7myc nno hthat, lowareyount you you While we u Investigate you your queWMR o oc lle cannot as dsiiqent or take any action to celled the report amount you question. t,t Special Rte For Credit Card Purchases If you haw a problem with the quarry of property or sevices that you purchased with a credit ad and you have tried in good faith to area to problem with to merchant, you may hove the dam not to pay the remaining annum due on the pro coy or nMcea. You have this pme!50O"O nandodytiewhen the pwchaae mice was more ten .00 purchasewile made a your Mme were or within I OD opera m year mailing address. (if we own or opeme the mal mailed you the if if we we coy or services, all purchases advertisement eat for ar Put tine pm ere covered regardless o1 amours or location of purchase.) Please remember to sign all correspondence, t one. not appty to consumer ten-credit card accowte t Goes not apply to brW.- man credit card mama One supports Information privacy protection: we our red service mark of Capital Ms reserved. a 2003 O1LOLaAK ta. erase Pail. You will have a minimum grace period of 26 day vrithat finnan. du on maw pumduses, new balarna umalas, mw appeal purdraeas and maw ether canoes i1 you pay y ce 1. total 'New B for In accordance with 1M important Notko for payments blow, aed In time to be br ft . credsed by your nca alatemeM done F. closing . Thera 1. pan ter on ash aaed speBN transies. In emlditi on, there Is no pace n period env trsua.cden If you do rot pay the tad -New balance.' b. Asanamkg Fists. Qrys. Transactions which are not ir?pmW 10 ?of tie iraream as o arm the cdate harge 1) twmactbn is processed to your Account or 3) from the Amt calendar day of the curam bill" ped1M. Additionally, if_}'ou dl nos psY the "New Balance team that Previous oasng period In 1d, fbaioe charges continue to accme to vow unpaid Mince until the unpaid balance is pal In full. Thh towns that you my all" owe fmrce charges, even if you pay the entire New e.]nee Indeed on the from of your statement by the nett statement dosing date, but rid net do so for the previous month. Unpaid Mann charges are acrid to dne able segment of your Account. t o AAYtlrawr lirwww?cbfIeecctt for each being period that totNn Raccount 6aCrNpASAke3E?to dfrgs0 50 will be Imposed. Nydoua total eriodicin .meal Is is then io.fi0,twe way wbtreBf hntr p amount from the $0.50 minimum and the diflenenc , will be baled to the purchase of_?rounr arxrout. td. Twela ay Radralin 1, ergs. We reserve tai right to not asses. any or all finance charges for any given 2. a. PerfRrorce g charge is a?wlaiated g by Nm?ihMybg the daily balance of each war an of your amount (..g., cash advance, purchase, special tmrufer, and special purchase) by to nrnenponnMg daily periodic retain) that has been previoWy dissOssd to you. At the end of each dadudmInrqg the being period, we apply the daily periodic rate tot each seerlen of your accoua m iha dalyy MpMoince of each Segment. Than at the ON of the bit d, we add up the resist of then daily calculations to arrive at your periodic finane charge for each septum. We add up the results feet each segment to arrive at the total periodic finance charge for your eCCant. To get the daily Minn for each ..Pnnt of your account, we take tai beginning balance lot each segment and add my new tramactma and .,.:n Y periodic Ikannce doge calculated on the previous d b8seance br tat sepnot. We don subtract any WYseresa or lrema posted as of that day that are allocated to that assistant. TWO given on the separate daily balance b Nwv sgslrneni of yaecwtvHeweveane11 nt Ian fill (orM it your now balance was zero or a credit amount), crew 'norsectiau which post to your purchase or almost Purchase warw s are not added ro the daily bW.-. We calculate tai swags daily Mime by adding all the dairy balances together acl dividing the son by the number of the day In tai c newt bases cycle. To calculate your total Your doll allgeri date aa.d by the aiu nibeer of days In?ihe billing pedal. Due to rouWrg on a daily basis, there may be a alght variance balvsearn this cakJmon and the amount of finance da?tle actually asse..sd. b. Ii the cods Y or N gnpwan on the from of this stns... next to 'Baron Ruse Applied To; we, multiply the iVw1wt Ilstas: Payments You mail to us will be cradled to your arrant as of the business day we receive it, provided (1) you send rho bottom Patin of this wmement and your deck . tai erwiosed remittance envelope and 12) Your payment is reaiwd In our go= center by 3 p.m. ET it 2 noon PT). PWse allow at bast live (5) blWnew days for pow.] tied" Ps ant d: received by m at my other location or in any other form may not lobes creMed es of the day we rmm1w them. Our business days are Monday through Smedley, a h Pie= do not usenepW, pgher dla etc..Non Propedrg yyoouur :.I== your send w a dock(.), you authorize us to make a one-time electronic transfer debit ham ask yo ecnnam for to amour of tai dock. TNa surhorizatlen appiles teived during the baling cycle even it sent by soneon else. If we cannot process the vensfor, Our you authorize a to make a charge against your bank account using the check, a paper draft or other hem. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055.5889 Pay to the order of Date Expires September 26, 2005 G GW Richmond, VA G, Cardholder Memo Signature 11510958ga 1:0 5 1006 7 78e:8652077035i4111a so. I I Page Enjoygrleater f ieX1b/!/ **h the attached Capital One Purchase Checks' 2 of Z Purr)rase Checks"' 91ne yarn easy access to pur accountwith no hansacdon flee. And theyare sa fe to use! Plus - a Get cash for things you want and need a Pay off higher-interest-rate balances directly a Make purchases where credit cards are not accepted a Use just like personal checks sree Concerned about the soft of your Purchase Checks? Don't bel Your checks have $0 Fraud Liability protection, so you won't pay a penny in unauthorized charges if they are ever lost or stolen! Plus, they are mailed first-class to ensure correct delivery! ?^ OW Take admnhw of your Purchase Checks soon - they expire September 26, 20051 what's in your wallet?' " Please see the reverse for the Terms and Conditions for using these checks. ® 2009 capital One Services, Inc. capital one is a federally registered service mark. All rights reserved. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 Pay to the order of Date Expires September 26, Zoos f C'*wOne' Richmond, VA Cardholder Signature 201559 _ 10958 68.677/510 201559 06548 U W ?` 500.00 Z v W h Dollars T 10959 68-677/510 201559 o6548 Q W 2 v W Q 2 Dollars eU j a Ilai095911a 1:05i006778I:86520770351le111a KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 Expires September 26, 2005 1o96o 68-677/510 201559 4C o6548 V W 2 V $ ?] W Q Dollars nv. OW Richmond, VA Memo Date Cardholder a Ila 1096011' r:0 5 100 6 7 781:86 5 207 70 3 5 i4 ill' Five Hundred and 00/100 0 M O N Z m ?p -n m z OF T_ 0 96 0 a_ ZO N Z px`r S C p rn r * m hrhaahs a? a? Om o ?a iapat"kfermatse tagarY gym Rac was Chedwk The enclosed checkswit be treated as purdwses according to the terms of your Customer Agreement and • any amendments to it but may not qualify for any reward Programs. The enclosed dw b are SLAW to aMR v doWky, se you ahrwt haw the an"k caa* an the dry CaphLtlaw prawxseyoradreck Check acceptance h Leo subbcto the current status otyour Account, and the check may not be processed Ifyour Account is restricted In any way, past due, or in collectim at the time R is processed. If the credit is awvabbie or yoke Account Is not current as stated, yaw check will be retomed unpaid and you may be messed a Returned Check Fee. Rhese cheats cormotbe used to paydowrr orpoyoffwryCap" One Amft Casting twee checks wig qualfy as uft your Account. Ifyou have an authorized user on your Account, an authorized user cannot request a transfer and cannot use account checks. All other account terms and conditm remain in full force and eflec. M O M 0 In O m In On Fit H T C m m m 0 z Tm m cur T_ j Z A y a O ry A O $ Y Z O Z m OF z p r H 0, A ZS O N N r 0 m n * m T m r? A o m m Z m 0 A n T a v O m A 1 ice T s _ a O Z A - O y r a O p m Z i m z C r N O m y Z S G7 e a MC a. Z 0 • Furst 3 months half-price 97 a month; SB.95?mo. tttelealtw SIGN UP TODAIR 1-877-7784207 Mention Offer Code: ONYX Or visit www.peoplepc.com/go/onyx 003 peoplepc- online ?? A better way to Internet. PeoplsPC OMM offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 monthsl ® Email Virus Protection ® Pop-Up BlockerTIA Spam Controls Smart Dialer Phisher Security Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 AUG 20 - SEP 19, 2005 Page 1 of 1 Account S Previous Balance $2,738.18 Payments, Credits and Adjustments $.00 Transactions $204.53 Finance Charges $46.73 New Balance $2,989.44 Minimum Amount Due $171.00 Payment Due Date October 19, 2005 Total Credit Line $3,500 Total Available Credit $510.56 Credit Line for Cash $3,500 Available Credit for Cash $510.56 Atyourservice To call Cwtoma Relations or to report a lost or stolen cur- 1-800-955-7070 Send payments to: Send inq-. to: Attn: Remittance Processing Capital One, F.S.B. Capital One P.O. B. 790217 P.O. Box 30285 St. Louis, MO 63179-0217 SLC, UT 84130-0285 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment, please accept our thanks. Transactions 1 02 SEP EXXONMOBIL75 04756714 MECHANIC PA $13.70 2 18 SEP GIANT FOOD STORES #S1A DILLSBURG PA 151.83 3 19 SEP CAPITAL ONE MONTHLY MEMBER FEE 4.00 4 19 SEP PAST DUE FEE 35.00 You were assessed a past due fee of $35.00 on 09/19/2005 because your minimum payment was not received by the due date of 09/19/2005. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Pleareree reoerre sidefor iesportant information f 4 Ba4-dr y t r Cee d?nd " E c i q?tirdro d , ' P rdr PR PURCHASES 61,20254 CASH .05425%D 19.80% 620.22 61,501.91 SPECIAL. TRANSFERS 674.04 .05425%D 19.80% .05425%D 19.80% 625.26 $1.25 ANNUAL PERCENTAGE RATE applied this period 19.80% T PLEASE RETURN PORTION BELOW WITH PAYMENT T 0000000 7 5178052077035141 19 2989440155000171005 New Balance $2.989.44 Minimum Amount Due $171.00 Payment Due Date October 19, 2005 Total enclosed $ Account Number: 5178-0520-7703-5141 Plrasrp-t -iin'r dai- r-melt rb-g,, hl- -1,41- ar b/ark mi, Sneer Ape A City S., ZIP Home Phone Alt,-. Phone Capital One, F.S.B. P.O. Box 790217 111111111811 111111 III' St. Louis, MO 63179-0217 lllluu16uOllie n11 1 11116111161111111 1116Nellie u111611 #9026342891197326# MAIL ID NUMBER KAREN HARBOLD o 4529 ROLO CT = MECHANICSBURG PA 17055-5889 r Pleare -teyo account number on your rhak or money ordrr made payable to Capital One, F.S.B. and mail in the mclased a lope. peoplepc• online u A better way to Internet. UNLIMITED INTERNET ACCESS SIfiN NP TWA1R 1-877-7184207 Mention Offer Code: ONYX Or visit www.peoplepc.com/go/onyx PeoplePC is solely responsible for this offer, and is not affiliated with Capiei One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are sol* owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, calf toll free at 1.877-778-1207. Service not available in all areas. Access fees, taxes, and other tees and restrictions may apply. Telephone toll charges may apply, even 0rin9 trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Awass may be limited, espocleAy during times of peak usage. Dial-up numbers may be charged at Peopleficls disardon. Continuous use aubjeet to timealt procedures. All use is subject to PeopkePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may M. 0 2006 PeoplePC enc. All Rights Reserved. PeoplePC Online and Its logos are registered trademarks of PeopI9PC in the U.& and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. A9 rights reserved. Of 0 1. H- To Awld A Few Char". to. Grme Farts. You will haw a minimum grace period of 26 dad without Rrce chox on raw purchassa, row balance tranmen, new aped al purahaaec ate new other charges if you pay yon total 'row Balance', in accord-ce wits the Important Notice or payments below, and in time for it to be credited by your note statement gAosirnp M[e. There I. no grace period en cash advances end apedel irseaon. or sdditim, there is m grace period m any trnaact m if you do rat pay the total 'Now balance.' b. AaaWrg Foanea Chap. Trimmed" which am not fmm the date gram of the transaction ? ar? from finance, charge 114W tblh la processed to your Accent or 3) from the arm calendar dry of the arrmn MMng period. Additionally, I?t?yyoauu did rat pay the 'Now BWnce' from the previous osrha period in ell, finance chases -Mk- to am- to Your unpaid balance ants the unpaid balance Is paid in full. TNs meat that you may adfl owe finance charges, awn if vou WV the adim New Balance Indicated m the from of vou st.=I tamtets by the next teammate dosing date, but old not do se fm the previous month. Unpaid flrwme charges are added to tie a e segment of vou Account. t c. &VAImmr Fb a For each bilging period that your account Is to a Name charge, a minkmm font FINANCE F of ?0.60 wifl be knposed. If the tom boucle riarge reaNre from the aoolcatbn of your pededic rslaw la Ion than 10.60, we wM affront drat amount from the 10.60 minimum and the difference will be N W to on purchase apnmt of?ymrr account. td. Temporary 1ls lusallse In Fiwea araea. We reserve the dint to rat asses any a all finance cheryn or any given bMkng Qsd?oe. 2. Awags a charge lswa IMMt N. Malh e. fiance o eaceach Is calculated b multiplying the ourat the duly dwricof aagmern pnmt of of vote eccman special cash balance by by the cpurchase, special transfer, and faah purchase? y the mrgpmdfp daily periodic rotslal that has s been pmviarty dagdossd to you. At the and of each dsy donee the biMnhp p:=1w. riod, we apply the daily periodic tae for each segment of your accoun to tha old,y balance of each segment. Then n the and of the bllNrig period, we add up tha results of then daily caoudatlons to arrive at ypx pedal : Branca c o_ ion each segment. We edrl up the periodic readro from eater aagnem to ardor G Mill Ina- cadge for your egxoun. To geyperef ice Debnce or eedm o end add anyn- anted am and any pedodk Greater chsrga caltxAated m do previous day's balance for that segnerm. We torn aubtnm any Pa=4;x dits rispea 1 n of that day that am aflocatnd to Ivss us dire separate daily balance or each segnonht o1 your accent. However, If you w the New Balance shown on your provimu aaenem in fuE for if your naw, balance was t rwctiom which post to o YOm Purchase otged?l usw Purchase segments am not added o the daffy balances. We calculate the averpe daily balance by adding all the daily balmose together and d eking to than by the comber of the days in the cu m e Willing cycle. To cekulae your torai oegmrrpp lhaerhCY! of inch segment each day, add any new lransscNmw m each aspnhenl and -Wram my payment, or credits. 411 the code N appears can the from o1 this statement reel to '&lance irate Applied To; we else subtract any upaid erica charge Included in the balance of each sNment) TWO gives us the daily balance of each segment. Then, we add up all the doily balances for each aaliment for the biing period and divide by the trial number of days in the Mng period. This give us the .-,ago daily balance of oath segment. 3. Araseal Passtap Rd" CAPRI. a. The tom 'Arsasl percentage Rate' may appear ere APR' on is from of this statement. b. If ft code P (Prime), L (3 me. LIBOR), C (Cemficate of Depose), of 8 (Bankcam prime) appears on the hen at We statement row to the periodic to"(.), the pew rates are comespondre ANNUAL PERCENTAG nmv vary gwneiy and may kncresse or decrease based on the mated Indoes, as food in TM WAN Street JovrW, plus the marginp Ously disclosed to you. These derhpss YAE be effective m the Am day of your billing perbA covered by Your pedodk statement suing n the mmnha January, ", July, and October. c. If the code D (Prime), F It-me. LIOR) or 0 (3-mo. LIBOR Repriced Monthly) am on the from of your statement nw fo the ratefal, the pedodc rates and corregxyxV ANNUAL PERCENTAGE RATES may wrynnarhlldy a may it.-- or decrease based on the awed odcn, - toad In TM We# Strew Jaaid, plus the margin previously ds I - to you. Them change, will be effective m the fie day of vout billing period each month. 4. Assonant of We, Overlook ord Refunad Paimu t Fees. You account rot wM be assessed no mom than two of the fees lined here that occur during my bluing period. Under the terms of your customer agreement, we reserve the right to aiw or not to ast sss my fees without prim notiflcatkn to without waiving ou right to asses the same o similar at a amt time. 5. You AaaGat. If. membership fee appears on the from of this smemam, you haw 30 days Irom the date No Gateman was maned to you to evdd paykq the fee or to hew such fee credited l you it =ties[ your rec=. During 1Ms period, you may rombue to we your accent vmfhout havkhp to pay the mamba fee. g cancel your accgerht, you mot nolity s calling our Customer Nelatims n the cant and and pay by y Naw Balancece' ' n in full texdudirhg the membership your feel prior to the and of of the thin ,Y period. 8. N You Close Your Aasu at. You can equea to eloea Year a Char seaman by o coiling ou ywo Customer credit dit am Department. You must st destroy cancel Wen ero carols) and accmM access deco, , caned ON pr mound blMrhg, a ceess hs ecccraht. If you do tlo not cance! pnd eauhorizednp nnoms, we with consider receipt a charge yourerye your our N reopen your ecceurht. AOdia. soon, wyour auu account s I not in closed unll Ym pay an amos you owe na indgaflng: any due fees, o you haw authorized, en deer, c pen due ndt teen, returned WYrrymerht fees, nh advance nce form rea and any otter tees sasased to your account. You an resptadble or flan amours v"I they appear on you accent a the time you request m doss the accmm a they taro khmrrred amMaghwht to you egest o close the account. This may reWt in dargea appoarkq m your account after you haw r account if it has already been dosed. For example, i you aeMnorixnd a purcheae from a merchant and we facelt to trsnhssctlon hornh the merchants after your account has been closed, Vow sccmnt wifi be reopened, the aynuum of tit dharyp-wN be added. iVero account, m mrbe will r or payment' f them lea nN ge td ee er yaw account, the fee wM continue soccbawm chal *,Z= Z Innkkll " rielhad abovee. 7. =1 Yea ::t.Ywr cam or account cannot be onts. =lon wAth my W.:. gambling vmssctioss. 8. 11011- AMtt ElswshN CMelt IlsmasYh. When you provide a deck n payment, you mama us eider I. use (nonnfatian Z. you deck to "it. a ono-tkne electronic find transfer fronn your bank accoutre or to unease the psymam u e dock transaction. When we uea hoheat from vou deck to make an Mectrmic lend tremor, finds may be vWdh ern lean your bank aecoran n soon - the same My vve receive Yofr Psyment, and you wifllon. your Nurcm isstk u eat recoil- your check beck from BILLING RIGHTS SUMMARY Inn Case Of Errors Or Ghosts' Abou Your Bill) If you think your We N won, of If you need more iniomurl on a transadion or bbl, were to us m a separate sheet as soon n ptesi6b at the address or inq idn shown on the from of No statement. We meet hear from you no later than e0 toys error we sent you ale _m bail en which the error m prohom appeared. You can 9 as Clstomer Relators rsanber, but doing so will not reserve wtar i In beer, o rPim I ' yaw rams and account rmbar Metdonee, .noun of the nsp ad error, • description of the arm, and an explanation, if possible, of rteyy you bell- them I. an error, m it you need mom inlmhstion, a description of the Item you taro uwro Wen. You do not how to pay any amour in Wsstbn vAia we are YwaNigaing it, but you are will pdNI;W to pay the pans of your MH that are not in qummon. Wale we mood Vo your question, we carom report you ss delimpfern or mks srry anion to colbm the amount you question. t,t Special Rule For Credit Cam Purchases It you haw a problem with the quality of pfopeny or serviexs that you purchased with a credit cad and you haw tried In good With to a= da protean WM the merchant, you may haw the 69M not to pay the remaining amount due an the prgrony or ssMcea. You haw this Miw Y50.00 and ty vpu the purtdaeadein yen nnoe wn more than Is rdhsse wss ma home Gate or within 100 mess of vote maMng address. (lf we own or operate the merdsm, or it we mNed you the red-msenant br the property or serAcea, afi purdueaa are covered reprden of ammnt or location of puchaae.) Meese remember to elgh all correspondence. t Goes not eA* o consumer non-crftW card emxrrnto, P ire if-- large, multiply your average daily balance by the t Goes eat apply to buahats ran-credft card accounts = 1 Ors supports infomatim privacy promcdon: see our e at www.caphalone.com. C. One II Nis a ally registered service mark of capital OZ? C. 'till One rporstbn. I rights reserved. a 21x73 daily riedle rate and Dy the rea leer of days in the belong daily bee, there, ma be a . t variance = tMa calculator and the ay mount of finance charge actually assessed. b. It the code Z or N appeam en to from of tide Gateman roe to 'Balance hate Applied To: we multiply the =tatI? Pay=s YOu mail to us will be credited to yen a¢cwts as of to Z.C* a day w e recent it, provided 11) you send to b e"= poem of this Matemern and your deck velope ad 121 your paynafm nil recelvnd in our yrocesakq comer by 3 p.m. Er (12 nom PT). Posse aflow at bast fit (6) busi;. days ion prom delitry. Z%- e racel ved by us at airy other location m In any otlor ohm meY non be credited n of the day we receive them. Our brskaaa days em Monday thrmr Seordayy, eetludirhg holldeye. do rat use ataplea, paper dpa enc. when preparing r payment. talon you send us a cockle,), you auMdze us to make a one-flee electronic trseafer dsdt ftmh accmna or tine amour of the deck. 7Ne authod:etim apnoea to Your all dheclm recelwd during Ito boiling cycle even it sent by someone else. It we comet proven the vendor, youb eulerize u to make a charge against your bank accent using the deck, a paper draft or oiler hem. ' KAREN HARBOLD a 4529 ROLO CT MECHANICSBURG PA 17055-5889 Pay to the order of C"~0w Richmond, VA Memo PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 IIa i 10710 1:0 5 3006 7 781:1365 2077035 i4 hiim Account S Previous Balance 4989.44 Payments, Credits and Adjustments $310.00 Transactions $833.00 Finance Charges $60.36 New Balance $3,572.80 Minimum Amount Due $107.00 Payment Due Due November 19, 2005 Total Credit Line $3,500 Total Available Credit $.00 Credit Line for Cash $3,500 Available Credit for Cash $.00 At your service To ed Customer Relations or to report a Iwt or stolen card: 1-800-955-7070 Send Pa7mmb to: Send inquiries to: Arm Remittance Processing Capital One, F.S.B. CaPitd One P.O. R. 790217 P.O. Box 30285 St. Louis, MO 63179-0117 SLC, UT 84130-0285 Important Account Information Want to make a difference this November? VOTE! Your vote is important, so get out there on November 2. Only you can make sure your voice is heard. Every vote counts! SEP 20 - OCT 19, 2005 Page 1 of 2 Payments, Credits and Adjustments 1 23 SEP PAYMENT RECEIVED -THANK YOU $90.00- 2 06 OCT PAYMENT RECEIVED -THANK YOU 220.00- Transactions 3 20 SEP AVON 888 433 2153 FL $900,00 4 22 SEP OVERLIMIT FEE 29,00 5 19 OCT CAPITAL ONE MONTHLY MEMBER FEE 4.00 We appreciate your business and you deserve great benefits. We'd like you to know that your Platinum card benefits have been updated. For details, visit www.capitalone.com/creditcards and click on the Guide to Benefits link. Thanks for choosing Capital One. 11071 68.677/510 596770 6550 Y U ? W $I W a Dollars t=J ce 0. a Cardholder Signature Finance Charges Pleweseere jerideforimportantinformation m Bala at, P-d. Con,.?o,? aer d rd, APR i 1 GE '- PURCHASES $2,13412 CASH 15493%D 20.0596 $35.17 $1,488.33 SPECIAL TRANSFERS $40.00 .05493%D 20.05% .05493%D 20.05% $24.53 $.66 ANNUAL PERCENTAGE RATE applied this period 20.05% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 3572800220000107001 New Balance $3,572.80 Minimum Amount Due $107.00 Payment Due Due November 19, 2005 Total enclosed $ Account Nunber. 5178-0520-7703-5141 Capital One, F.S.B. P.O. Box 790217 St. Louis, MO 63179-0217 11111111111111111111111Ittllnntlt6111ItaIIttsll6ubllul PL-P, ml mrilnsir ado--44 r--I Aaade, Ad ..,N- ra bler4 inE Saeet Apt # City Sane ZIP Home Phone Alt,-. Phone #9029342891197323# MAIL ID NUMBER KAREN HARBOLD e s 4529 ROLO CT MECHANICSBURG PA 17055-5889 IIII I II111sell 11111111m1111111ruuAll r Please write your account number on your check or money order made payable to Capital One, F.S.B. and mail in the taclored envelope. T m 0 M D m m A m O D O O O m A O N L1 0 0 s? ff? ff? fffff? fffffff? O ; 0i Om' O Az m to nrl p O m T " O m T ? 2 O i 0 sO A F 0 Z Z ur ¦ 4r 2 _~ S N a m r . _ in *Important information regarding your checks: The enclosed checks will be treated as purchases according to the terms of your Customer Agreement and any amendments tog but may not qualify for any reward programs. The enclosed checks are subject to credit availability, so you must have the available credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your Account, and the check may not be processed if your account is restricted in any way, past due, or in collections at the time it is processed. If the credit is unavailable or your Account is not current as slated, your check will be returned unpaid and you may be assessed a Returned Check fee. These checks cannot be used to pay down or pay off any Capital One Account. Cashing these checks Will qualify as using your Account. If you have an authorized user on your Account, an authorized user cannot request a transfer and cannot use account checks. All other Account terms and conditions remain in full force and effect. 1. Nsw To Avoid A Fiumhse - . to. 0 a.a Period. You wail haw a mkimun grace period of 25 days without insnce charge on new purchases, resew balance trarrepm, rang ?apecial pw dmses and new Other Charges anco WwiNt tlmr toad twice force', e and in time for it to be credited b w?°Ae below, a Mts. There I. ns by Your next ma tlakq grace prided o casts addvances and ..pedal iranbre. In addition, there Is no grace period baan stN' trneamlon If you do rat pay the total 'New lance.' b. Assaults Firms arse. Transactions WNch am rat ssessed cha =10 tlmmdate of theenademaaction or 2) fmm tnce he ddae Me) transaction is processed to your Account at 3) Iran the fim calendar day of tint curmm 14:9 ppeeded. Additionally, If you din rat Y t in 'New Bob. fret the previous Ill no period Pa 5nence charges continue to scents to yak mpNd unpaid bNeroe is paid on tuYi This mearm that You -V ill owe 11- Charges, even f you pay the smite New Balance ondeated an the from of your dot statement by the next m.lmlent dosing dote, but did so for peoviar month. Urgent fiance charges are amdad to tie ¦ kahfo segment of you Accent. t c. Msht.aw Firma .Fur each blNip period that your sxoran is to a firms, charge, a minimum rfi RNANCE E of 60.50 will be Imposed. If the total snonce d ow madding from the a wW ppY.tlon of your periodic r.law 1. se than ?0.60, we subtract tint amass from tie 6I0.60 minmum and the dlferorce be baled to the purchase sent ot r accent. td. Taegerry Releases I. iir?wa are. We reserve the rot rho sawn any or all finance charges for any given rpedodic rate. To obtain the average dally betonce for the biNkp ppeeriod covered by this statement, we take the boo no balance of each segment each day, ado my sa transactions to each allowed, and subtract or credit.. (If the code N appears an the t statement ram to '9Nann Rate Applied To,' subtract any unpaid Amerce charge indeed of each segrmnt) Tits gives us the daily balance of each segment. Then, we add Lip all the dally balances for each segment for the boiling period and dvNb by the total nuber of doya In the bNWp period. Thb gives w the eve dolly balance of each segment. 3. Anrsl?setttys Raga N1N111. a. The term "Annual Peroamagr Rate' may appear as APR' an the from of two statement. b. It the code P (Prime), L 13-mo. LIBOR), C (Cerdficme of Depofit), or S 1Bankcard Prime) spp.re an the from of dais statement next to the periodic reap), the periodic rat. am call ayoMnp ANNUAL PERCENFAk3E RATES may wry gwrtedy end may increase or decroase based on the mated Mxfices, asgqlaeerd in TAe Wag Stmt Jourrood, plus the These d spa WN bemetfective ah Ueddoy afoyour !!!N!" pemom covered by your periodic stmmem mft your accost If It has already bean dosed. For example, it you suMndzed a purduse from a merchant am we receive the trarradforn ham the merchem otter your amours has been dosed, your account WN be reopened, the mature of tMCho WIN be added to your accent, eM spyaosu WIN be r for payment. If there is a mm?berNrrY?ppspdffe,e for your ae;opust, the fee will contuses eocabe chS nt balsresotua Dean paid in "I a defined until the above. 7. Ilskrs Ysm Aeews?.Yaur scent or account aammt be M cers.ectbn with my internal gambling transactions. 8. Also- Ali.- Elsa (emak he Whin you provide ¦ dick from psyveto check you u ar edare to use information hem you uto smorb t make ake a a on Nectradc Dade denim from your r bank accent t or or t to prarow the paymstn as a deck tnnrecbn. When we use informal an from your deck to make an electronic hard transfer, finds may be Wtldrown hall your bank accaem as sou ea de sere doy we re..I your ."'and and y inou wit rat .ti y your check back from you drrsnnelel sMuNm. BILLING RIGHTS SUMMARY 110 Case Of Errom Or Questions; Abort Your SIR) If you think your bill is wrong, or it you need more information on a transaction or bit, wee to us an a sepame most as soon es poselfe at the address for irpuldes Hawn on the ham of two statement. We must deer Iran you ns later Man 00 do after we sent you the flu bit an which de attar or problem sp rid. You can cap our Customer Retardants number, but ddng se WIN not Preserve your dyne. In your Inver, give us the allowing anronnatlon: your mosses, and account member, the dollar amount of the suspected ere, a description of the arm and an nplarrbn, if possible, of why you believe them is an error; or if you need mom infumharron, a description of the item you are urea Haut. You de not he" to pay any amount fo ion vents we em inventgs2 it, but you are mil tad to pay tha parts of your MlFfist era not in question. we Investigate your question, we cannot sport you as delinquent or take any action to collect the annum you questlm. t,t Special Rule For Credit Card Purchases If you haw a problem with the gwihy of property or .vices that you purohsaed wide a cmdt cad and you maw tded in good I" to conact de problem Wth tie erchme, you may haw the room not to pay the remaking amour due an the p rty or services. You he" this pmactbn oily when the purohas. rice was more than •50.00 and the purchase w e made M your home mate or Wtldn 100 mites of you mNlts eddroa. (If our .- or opera, the merchant, . If we m."d you the advertisement for de progeny o services, NI puroheaes are covered mgardesa m amount or locadon of purchase.) Please remember to ape all correspondoae. t Does sot apply to consumer iron -credit card accounts t Does sot apply to brosness non-credit card accounts Capital One supports Information privacy protection: we our webfite at www.capilNone.com. g IIab?bdemNy ragiNared service mark of Cephal Capital One poratian. I dyne reserved. a 2003 01LOLBAK 2. a. Rr?rraeecharyesecalaMted by mutt the) doily balance of each sagmem of year account le.g., cash advance, purchase, special transfer, and .pedal purchase) by the corresponth dolly periodic reel.) that has been previously disclosed to you. At the end of each day durka the bits" period, we apply the doily perbdc rate for each goom *f, 1Mr OWfiNYnbpalance of each we add hou stadeehd o m the up the rambsTof these dolly calculation toga d? at your =c, firne ce course for each segnern. W e add up Me rom sech sagnem to amve n the teal periodic finesses dm"e for yew aeceue. To get the dopy ha.- ke or begiminp =i== ecand will cauan, weytanew tomes and mype does firsoncer charge calculated on the previous day's b.lmce for don segnml. We AM subtract any c. It the code 0 lPdme), F Il -mo. LIBOR) or G 13 mo. LIBOR Repriced Monthly) appeen an the from of your mnerm ent nsd to the peMdc ramb), the parodic rat. and corre?a ANMIAL PERCENTAGE RATES may wry moMhiy a maY inemese or dseroase based on the need kdiaes, as farad on rid Want sneer Jaand, plus the margin ProviouNY dedoaed to you. Thase drr"es W01 be effective ou the flu day a1 your wNng period each mash. 4. Assarnsd ad Lab, OvmNmN and Raltoned pam? Fase. Your account WIN be assessed no mom than two of the fees listed here that occur dump airy Doling period. Urdu the terms of your customer allreanarrt, we rosewe the dgbtm wales or not to armor my tees Wtlau Car =41. bn to without e ? our dys to asem. t am he se a sknNat &I a 5.reuyi" Year Aaaud. If a membership lee 7y."1 pa e fmmd% tts stet=s' ymouNb hatlw 30you to avoid dove banandotMMe oe s was Yo lwa the fee or if raccoon. to m to haw ve such fee cradled to you f You or troll your During flits posed, you may rxxrtkaor e or your account without having to pay the notimemmhiby callkse" p t. ToourcaCusrner rrel Your aocwrt, amYou mustem end fy pay y be Balance' 11 (ex the y?u New In fiat (excluding the no membeTp feel Apolar si to Are of the thInV-day to nileased Irate . 8. N Vas 'k.Ma s Maass. You ou can request 10 dose cposutr -a by caNng our Cusrensr Relmips uep.nmam. You rmr destroy your credit cam(e) am accent access decks, carted ell preawhadzed blasts, am xcease us your access. d you de not cancel preauhof Your maholumwe wit Confider receipt of a a charge e yoour suthalzedan to reopen your accousn. Additionally, Yes sc= WN rr be dosed umq You psy as amornm you owe us knclu ig: any lrersscties you heve eWadxed, llfinance dm"a, pest due teat, ovedNm fees, returned n fees, cash advance tees end my oiler esa saaessed to your access. You ere resposible for these amounts whether they appear =r, acooua m the time you request to coo", e sethey am inserted sbeepem to your request to dime the expos. Tit. may result in charges appearing an you access sh., you hew lilch =e: Bdarrce? If ? access. However, ii you ps otrDe your prevfoue matanerit on IuN if Vole now bNanee "a zee or a credit amoral, now transau less, Wont post to your purchase .spade[ d.. warrants a. at tided to the ca e the ag! daily abalarae by dding ? n da We belane. together and dividing the sum by the number of the day. in the current bill" cycle. To calculate your total Mfi ? cadrau and muldflIt your averages doily balance by the Y pe Y the reanber of days in the biting period. Duo to rourdng an a doily hasb, tlero may ha a aNge wMr o bshveen die cafodetlm end foe amour of flrrcn dm actually ssses.ed. b. it the code Z or N appesra an tha from of two statement rem to 'Balance Role Applied To,' we mdtiply the gaw ran of ihii?ts we also in the balance I %or llsiae: Peymstsa you mall to us WIN be credited to your scows as of the bwYresa do y we rocelve It, provided 11) you send the bottom pomun of this mm=, and your deck M the endured raminanse anvalepe am 12) yew payrnem h received in our proce.Wts caner by 3 p.m. ET 112 teen PT). Please Nfow at I.m love (5) amirrea dayostal delivery. Payments rsedved by us at my otter beaten a inn my other form may not lobes creded as of the day we mcNw them. Our buss ese dot's ere MaaLy through Ssluxdeyy, ax holidays. Plesse de trot tree .cages Ppm c?a etc. Wan Ixepadr" yo r paynerrt. When you sand us a cheeklsl, you audadxe us to make a pe-dme electrode transfer dear Nom bank ys. are us c Icaaunmtakar anent o eMek Tots swhodzedan sepses to all deck. received dum" the boiling cycle even it sere by somerne afro. It we cemm prow. the traroer, you authorize cha rge against your hank accost using the deck, a paper draft or other item. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5899 Pay to the order of Date 201621 - 11o68 68-677/510 2o1621 06550 tJ W S U W in Dollars Q Expires Novvmber3o, 2005 One Richmond, VA Memo v o` a Cardholder Signature 11,1106811' 1:O S 1006 7 781:8652077035ILI III, En%oygreatier f ledbii with the attached Capibl One® PUn hose Checks! Page 2 of 2 01 Purdmise Checks*ghle youreasyaccess to ynuraccountwltlf no bonsacdon flee And theyare soft to use! Plus - • Get cash for things you want and need • Pay off higher-interest-rate balances directly • Make purchases where credit cards are not accepted • Use just like personal checks Concerned about the safety of your Purchase Checks? Don't bel Est Your checks have $0 Fraud Liability protection, so you won't pay a penny in unauthorized charges if they are ever lost or stolen! Plus, they are mailed first-class to ensure correct delivery! One' Take advantage of your Purchase Checks soon - they expire November 30, 2005! I what's in your walletr Please see the reverse for the Terms and Conditions for using these checks. ® 2ooS Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. KAREN HARBOLD 4529 ROLO Cr MECHANICSBURG PA 17055-5889 Date 21069 68-677/510 2x1621 06550 V Ly 2 V $E:?:? W Q 2 Dollars U Expires November3o, aoo5 ro OW Richmond, m Memo a Cardholder Signature 11'1106911' I:05I006778I:86 5 20 7 703 5I4In' KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA i7o55-5889 Expires November 30, 2005 68-677/510 - 201621 06550 U W Z Q W Q 2 Dell- U One' a Richmond, VA Memo Cardholder Signature 11211070111 1:0510067781:86S 2077035141110 22070 Date m O Z i O x < >E a m a !n r O < m M N r> O zc Da Z O A y m n n i o ZO < 4m M m -4 r C O _I fn Z Z M N to c m r_ 0 *Z m s brae 01 00 9- III WAM"46" rr2 " 9 yew parches Chadsk The enclosed checks vAR be traded as purchases according to the terms of your Customer Agreement and • any amendments to it but may not qualyy for any reward programs. The unclosed dace are 9W*d to am& curds ft a year arm have tits avWkbk as& an be day CaphdOn prsewsyour dw& Check acceptance is also subject to the current stabs of your Account, and the dhedkmay not be processed ityour Account is restricted in any way, past dire, or in colkultons at the time R Is processed. If the credit is kmavdaote or your Account is not current as stated. your check will be returned unpaid and you may be assessed a Returned Check fee. Thee Meta cannotbe used to pay dam oryayoffonyCapitol One Accaft Cashing these dkecks will qualify as using your Account. Ifyou have an authorized user on your Account, an authorized user cannot request a transfer and cannot use account checks. All other account tams and conditions remain in full force and effect. T O m o O of m O r D > m m O 1 m < T m loN m T D 0 D v Z (? a TO j N O y Z m m Z S C r i N S Z y Z _ N N m_r n * Z M Z S N 70 M S m N o ? r m D 9 m m N m> e D 0 9 OT m 0 2 -Z i m a Z i M o $ Q N E „h D Z M m O C 10 n m r 0 *m This holiday, treat yourself, friends, and family to an unforgettable gift - OUALITY MAID SERVICE FROM, M. MERRY MAIDS® Let the trusted professionals at Merry Maids take care of your holiday home cleaning and give friends and family the gift they won't soon forget! Gift Certificates can be used on a variety of home services, including maid service, carpet cleaning, lawn care, and pest control. • Merry Maids professionals are trained, screened, bonded and insured • As a bonus, these gift certificates never expire! Unforgettable holiday gifts start at 1.800.943.9345 Order by 12120 to ensure 12/25 delivery Account S Previous Balance $3,572.80 Payments, Credits and Adjustments $120.00 Transactions $4.00 Finance Charges $60.82 New Balance $3,517.62 Minimum Amount Due $105.00 Payment Due Date December 19, 2005 Total Credit Line $3,500 Total Available Credit $.00 Credit Line for Cash $3,500 Available Credit for Cash $.00 At your service To aB Cudomer Relahom w to report a lost or stolen mrd: 1-500-955-7070 Send Payments to: Surd inquiries to: Attn: Re nittsnm Procuring Capital One, F.S.B. Capital One P.O. B. 790217 P.O. B. 30285 St. Lou6, MO 63179-0217 SLC, UT 84130-0285 598817 PLATINUM MASTERCARD ACCOUNT OCT 20 - NOV 19, 2005 5178-0520-7703-5141 Page 1 of 1 Payments, Credits and Adjustments 1 12 NOV PAYMENT RECEIVED -THANK YOU $120.00- Transactions 2 19 NOV CAPITAL ONE MONTHLY MEMBER FEE $4.00 Take control and pay your Capital One credit card bill online for free. Eliminate the hassle of writing checks, finding stamps and sealing envelopes. Everything you need to access, review and pay your bill is available online. Our Web site offers you a convenient, simple and secure way to manage your account. Visit www.capitalone.com and register your account to start simplifying your life today. As a valued Capital One customer, you are eligible to receive a free Year-End Summary for this specific account that recaps your 2005 charges, provided your account is in good standing and you have made transactions during the calendar year. Please call 1-877-794-4487 before December 31, 2005, to reserve your copy for this account. We will begin processing orders in January 2006. We appreciate your business and you deserve great benefits. We'd like you to know that your Platinum card benefits have been updated. For details, visit www.capitalone.com/creditcards and click on the Guide to Benefits link. Thanks for choosing Capital One. Finance Charges Pleasereere seridefaimportantinformation f g &L-te a ;ol;, a ..? rate ^ PURCHASES 82,079.55 .05493%D 20.05% $35 42 CASH $1,491.63 SPECIAL TRANSFERS $.00 .05493%D .05493%D 20.05% 20.05% . 825,40 8.00 ANNUAL PERCENTAGE RATE applied this period 20.05% PLEASE RETURN PORTION BELOW WITH PAYMENT MW 0000000 7 5178052077035141 19 3517620120000105004 New Balance $3.517.62 Minimum Amount Due $105.00 Payment Due Date December 19, 2005 Total enclosed i Account Number: 5179-0520-7703-5141 Capital One, F.S.B. P.O. Box 790217 St. Louis, MO 63179-0217 Llltttdhtttilia[IhLtllrtrttLhtdllttthttllltttlPubl P4mepmt~d-xdmddreumd1 e-m 1,,mare,be1oruamgR wblockirk Shat Apt. 0 arty State ZIP Home Phone Alternate Pone #9032442891197326# MAIL ID NUMBER KAREN HARBOLD o ! 4529 ROLO CT = MECHANICSBURG PA 17055-5889 ° ? imiiituiiimsitiuitluisitiuitlniritlnnltiitiuntiii r Plewe rurite your account number on your check or money order made payable to Capital One, F.S.B. and mail in the enclosed envelope. no fY ASeJ7/tL?l/dSTBL ?, I what's in your wallet?' Relay. Ws Doner `olo'- Holiday happiness is a clean home for you, your family and friends. Only from Merry Maids Merry Maids wants to help clean your home for the holidays. Gift certificates from Merry Maids make a lasting and thoughtful impression on your family and friends. 0il1 Caffl}celae vaMm sx4irg rmbadel sobers Oaatdwaed fltraat? loooi, P provkWa. OMartlM1oWa rAnat be app}ed b nourtkg sovicaa which am propoWL Plains cM 1.BOO.g13.7i15 fad d aervks in your aroA fiatw srvhws }tal ragde speob}aW WnNnq a arlNaflorr 1WN he Peed Iri cpnymmaee apprapdsWy Rum ersYar Nansed. GIR Cetf}cale era not valid m tM IoMwArq services: Seattle amity Mp k. dismiss restoration m vicse, and BdrrKs Vane S}cur}ye Merry Moide Is solely mapaw6le for file offer, NO Is not alMKard with Captor One. Capital One does not provide, ardor es a guww**, and is not at1l11 aled with, any pro" a sevice dorm here. AM cad omirw rnansione0 heroin sm so" owned byt to respeeWre rsily. All rights nerved By rospotmdhg b tie OW You may bat eannnmwiea}Ig Inbrtnalbn abcut yourseM w }me Carpeny fief provide this product -far arrerrpie, Oft you are a Capital One customer. O 2006 Capital One Services, Inc. CW W Om is e federally registered service mark. All rights reserver). I? ftii fA• g o ; gi periodic rate. To obtain the avwage dally balance for the dflhp by des statement, ve uks the beprW7:5,=Td add any new mensacto each em, and seisrus any paymenn• or crollm. (N the oade appears on the Nora of haler adamant near ro 'gNrex Rate Appkad To,' we Ave mmdamw any unpaid }nance daps irelutded u the balerhce of each soutrum.) This glues u that daily bsfent, of each sag n rs. Than, we addprup all the eriodailbalraxs for each far un?iber eidrys M Intla bggrq pd. This yvea ua atfe =IV,' awro A=N ance of each selinent. 3. Atm wl - IAPPI. e. The term 'Arnuel Peroemage Rne" may appear as 'APR' m the tmm w this aaemem. It. It the code P Prime), L 13 me. UBOR), C (Certificate of Deposhl, or B IBcnka Prime) appesn on the iron of haler ststement next tordthe peria}c rste4.1, the periodic rats and censspadrg ANNUAL PERCENTAGE IV& maI very gusneriy annddmeY Increem or decrease based on the muted Yhdaa, sat found in TM Wall Sveaz Joan/, pun the margin yroMady dsdoed to yon. These chsrrpem will ho ei aCYi Iiw m the }M d•y of your inn period covered by your periodic statement ending n the monde Jaawry, , Jayy end October. c. If the code D (Prime), F 1 -mo. LIBOR) a O 13 LIBOR Repriced MontNy) eppsan on the from o1 your maement next to the ppeetiole fowls), hho pedadc rates and conespm?q ANHIAL PERCENTAGE RATES may airy mamNy surd rosy lotuses or dacmoe be an the steed indtroe, a bust in TM Way Smse( Journal, plus the margin prevleroiy dsdoed to you. Thom changes will he etbollve on the first day of your billing period each marsh. 4. Aseema at Los, Owreioil NW R•katmd Pcymaa Fee. Your accent will be awned re arms then two of the fees listed hem that occur durkhg my bating period. Under the tern of your cusu mer soroemem, we reerw the Fight to waive or not to seems any fees without prior notification to without wstang our right to swats the same or similar st e titer thee. 5. Yost Aesega, "=!'p ice =. n m the from of the you law 30 imm the date dab aatemem was mailed to you to ..void peykq 1st fie or m have such fee cradled to you it you cancel your arxaa. During this period, you may comkrm to sat your access NitimOmn having to pry the membaraNp M. To aneoi your aceanl, yon met notify us by calling our Customer Road- Depanm od and pay y?ur 'New 8awrwa' M hA (exdudrg the mambenlap we) prior to lire and of the tNnY de, period. 6. R You Clue Yaw Amount. You can request re door =11= by alWg our Cumaner Ralnbns Yw mum dearoy your rob ardls) and accent acmes decks, anal all p.=Flzed W}hg, and team pup year a=. If you do not contest prsu I DilNng amangemems,adwetwill caMder rerxlpt a a dells you aWedzon o reopen r accent. Addgowily, Your accoan vela not be r1mad m1} you pay aid amarnss ycu owe us Yhdudhg: any past due e w you Mw s, mu ed, tomern tea, deer, c due fees, , o wrikeit leas, rstunwd peyrmrasih edy.- tees and ay cider from esessed to your eowa. You aro reapadble for them emwnm wfhsthor a they appear on your acews st he rime you request to clue the ecroun or tMY are irnaared srbsegusnt to =r request to dose Fire account. This may lt in Choros appealing to yea account After yourerMw your scant ii it its already been clued. Far exenple, it you sutlerized ¦ purdwae inn a merdwm end we receio the transaction from the merchant after your eco mt has been dosed, your acorns will be repred, the amass of the charge will be added to your aceoum, ell yyoouu will be respaWete br payment. If dwfe Is* nromba'" tee br your accent, the tee will continue to be drat , 1o the extort permed by kw, 'the aceam balance has been Petl inMhd a dented above. 7. Uatbg Yow Aaemd.Ymr card or etrooam cannot be used b arnectlan wfth any Nernst gambling transactions. S. NNfes Ali" Efesharle CMM OstwmsYn. When you ==f:--_y_- ent, you utlwrize either ro deck to make ¦ ore -thee your bank arxroun or to eiectromc find transfer imm pries the ppeeYrnra ate a Brock trarmaetion. When ova use bbastbn from your deck to make an eiedror c find Frontier, funs may be wfthdrmlo Dan your bank ecewn as soon as the more day we ,stet- your payment, nn and Institution. will F mceiw your deck back from WILLING R1014TS SUMMARY fin Case Of Errors Or Oue.11- Abets Your I}g) if you tNMc m a your tranaeafan or rill infommmbn Is wranp, or ait ==-.0. separate show m mom1 es portable at the address for =rise shown on 1st Des of des statement. We must =rise you rat Inw awn BO days after we ran you the firer bill to which the error w prablrn app erred. You can ail cur Customer RNatiaw rnnriher, bat long so will not yam righn. ==O= 01:11o preserve niormetion: Your nsme r, rloiler amount of tho emnpected error, ¦ deeriplbn of the error end a expansgan, it poaable, 01 wityY you beifeo there ins an error; a Ii yeu roved %!'= , a d 21pon o1 the hem you aro unars . do not Mo w ply any amain In gestkm while we am inwntigathe ft, buty% ou ere all adlgated to pay the pans of your jthat are in question. Wide ova Mvesgsta your question, we carnet report you ate deWmgrent or take any adkm to collect the -moan you question. t,t Special Rule For Credit Card Purchases It you have a problem with ther41wlfty of propeny or mrwcs dhst you percheeed with a credit card end You haw tried in good Wth to arrest dw problem with the merdwm, you may how the right raw to pay tle ramsining anhoun due on the properay or ervfiom. Ycu have Mm protection only when that purchase price ores more than 050.00 tM that purchem was made in your Mme owe or within 100 m}s of your mernq eddreae. Ilt we own or panne the merohent, or if vwe ensiled you the edverdserrent br mho prrpeny or services, all pwdwme awneld regardes off mown or location or 4rchee.) Ream remember to sign all conespo nlence. t Does net apply to consume, eon -credit card aceonnrs t Does raw apply to boainess non-credit cad aaawrs Capitol One sughoru intimation privacy protection: we our websiw n www.e corn. Capitol Ons b a nfly registered service mark of Capital One Rnanclo Corporation. 1 rights reserved. a 2003 Capital One 01 LGLBAK to. Ore Pabd. You wN Mw a min)mu stn grace period of 26 days without finance charge am new now balance transfer, new pedal purduan and renew other charges if you pay yaa teal 'New Bei-F In accordance Mtlr are knponrn Nakyour e or payments below, and b time for ft to be crodted by nom ststanam doekmg date. Throe . rw grace period on tech adoncs and special notable. 1. edddon, there Is ns grace period m any trareadim if you do not pay the tall ' New bo"'.' b. Aaarri? Hewes CEtatge. Trerwaetbrw which are met subJect ro a Wece pedal em aaened }note dells 11 iron Uha dste of the transeetlan err 21 from the dew the irerwsctlm h ==d to your Account or 3) fmm the Oral coiwxter rrom hiRnp period. Addtloreky, U eeuu rid not pay lire 'lbwBtbnaban tie previous nq period b lug,:: tit r =Id nonWnw to scone yyaouxmr unpaid that you -1:t FM apeid Munc?e ro pate in f" "if that to This msns n owe li on the h, eon you pay tlha emit}re New ma Irnlatecatmd on the hum of yon statemam by the next stammam oahg data, but mn e do so br the previous marts. Unp!J Wwnce WV- me added to the eppgce sepmamt of yea Accann. t c. fiiuYam Fba ssm Qmwp?eFor each b.. g pedal thst yea account In rrl??emm.?,y to a "mm" dergs, a mksnsmn tall RHANCE CNAAOE ofn4110.60 wil bepplpepeed. Nytahee periodic rsteb b lee than 41(I.GO,tweew}I sr?trad ihetr errant iron tiro 410.50 MNmwn end the dfbrerha will be baled 10 de Pum?eee sepraerrl w r account. td. Tawpry n ka Foie me, charger; We ream the d¢n to no assons eaaem any or all flrerwe sryps for any glom bRFrg od. 2. Al= isfaass 1 New loomi sal. a. Anmes dregs b alt lmeld metiplykg tho deny bounce of each segmers of your auxant le.q., ash advance, pumJre, pedal r, endpedalbftrF been by the dy disclosed adrq to dally you. . At the end of each eachch day hoey du pro he au end o WN d period, we apply the tiro hiflhug daily periodic rate for a aeprmamt of yow arsatnt to the daily balance of each aegnwerut. Then w tho end of the I: g period, we add up the rarity of them hay sbdatiaw to aro a r pedadc }fence dwrge for ech e9grners. We sad up are rerira from sch segmae w emu w the total periods flrhsree dhrge br your acaws. To W1 the delly balance, br schepners of your ere.. , we taks the beyraing holsrma for sch epnmeM at add any strew iranedksw and my periodic finance charge calculated an the previous day's boiance for thst segtnem. Wa then r8lran crony pe ymrxns or cradts goats N of that day dwt are ailoated to that egmhas. Tab give us the eepente dsily Deurwe ver, N Vou oN orM N New stir Bounce race shown yam youraeeaua,A Howe mamount), full Ne s or - - It your rest bounce wee zero or a credit mount), new trerge. ==.- r1NY bsbncyam purdwse or pedal curries added to iho .. We daily calculate the ewrage daily __bounce by adding =daily babnses together and dvtdrg are ran by tho roamer of the stye in dw current bNhrq =j .To calciste yaw tae) finance dmi period carats and byhirer cambear of Iday. In the binsg period. Due to rwmdrg m e dstly bash, there may bat a ailgM derma between thi akcetim and the amorist of 0- d elpe actually amerced. b. It the ache Z or N appean m tM from of this statement sea to 'eeurce Rate ADOlled To,' we nx"v the IaMaaw NstMe: Payments you mail to us will be traded to yam eccant or of the bu W- dsY we receho it, provlded (1) you mho the botmm potion of this awement all your deck in tlha arhebmd reminree envNOpe end 121 yen peanent b reneived in cur pocesirg aster by 3 p.m. LT 112 nom PT). Pbam allow at bra }w 16) buNnes days iw poaN de}very. Peymerss received by to at any crier location or in any other cum may much be c.&ad as of the dayy we recNo them. Our hukeea days an Monday through Sarradey, axdudng aokNye. Rem do nor ewe supbs, paper cil stc. wswn Pnpednq your peymran. When you sera us a chm 1.), you suderhe us to make rate-time olmctrasc IF..*, deice ban law bank eccoun br the .moon of the ,X 7MS aWadzNlm appges to NI checks mcNwd during the billing cycle even if am by sommra else. If we amp process; the tranbr, you awMdze us to ..it. a charge age[= your bank accent using the check, a paper draft or other from. lip""'peoplepa- online N--? A better way to Internet. Surf cep to `wtnr Pl1? Acc?sior for#*bratMm ~-a SWvsMbef I 1-888-587-9669 Mention Offer Code: DOLLAR a? Visit www.peoplepc.corrL/go/dollar Account S Previous Balance $3,517.62 Payments, Credits and Adjustments $210.00 Transactions $1.00 Finance Charges $58.00 New Balance $3,369.62 Minimum Amount Due $101.00 Payment Due Date January 19, 2006 Total Credit Line $3,500 Total Available Credit $130.38 Credit Line for Cash $3,500 Available Credit for Cash $130.38 At your service To nit Cut- ReUtiom or to reporta lost or nolen and. 1-800-955-7070 Sead P ymenw to: Said inquiries to: Attm Remittmm Processing Cepits3 One, F.S.B. CaPitd One P.O. B. 790217 P.O. B. 30285 St. Lou6, MO 63179-0217 SLC, Ur 84130-0285 UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by SymaMecrw ® Pop-Up BlockerTM Spam Controls ® Smarter Smart Dialer Technology aw More Email Addresses 4W (?I Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 NOV 20 - DEC 19, 2005 Page 1 of 1 Payments, Credits and Adjustments 1 to DEC PAYMENT RECEIVED - THANK YOU $210.00- Transactions 2 19 DEC CAPITAL ONE MONTHLY MEMBER FEE $1.00 As a valued Capital One customer, you are eligible to receive a free Year-End Summary for this specific account that recaps your 2005 charges, provided your account is in good standing and you haws made transactions during the calendar year. Please call 1-877-794-4487 before January 31, 2006, to reserve your copy for this account. Orders will be mailed out by the end of February 2006. We appreciate your business and you deserve great benefits. We'd like you to know that your Platinum card benefits have been updated. For details, visit www.capitdone.com/aeditcards and dick on the Guide to Benefits link. Thanks for choosing Capital One. F-mataee Charges Please seeretwnesidefor important information f m Be! re sari Periolr C yon! 6 ?s ~ gttludta rate fPtt '- PURCHASES $2,00251 .05562%D 20.30% $33 41 CASH $1,473S7 . .05562%D 20.30% 521.59 ANNUAL PERCENTAGE RATE applied this period 20.30% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 3369620210000101008 P&m<print mailin6 aJ?nr and rmailcbm6n beloa saw666r w blaof mL New Balance $3.369.62 Minimum Amount Due $101.00 Snsit Apr Payment Due Date Jimmy 19, 2006 Ciry Smse ZIP Total endosed $ Home Phone Al.- Phone Account Number. 5178-0520-7703-5141 Emsil Address #9035442891197323# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 790217 I11Iloilo tun111tin1 M 4529 ROLO CT St. Louis, MO 63179-0217 ! MECHANICSBURG PA 17055-5889 it?iun??nu???rniit?u??uus?r?ur???ut?ur???ur?r??et? ° ? ?utli?ru??lnu?r?nlriu?tlt?n?riu?s?riun?ti?s?uns??) Please write yaw arroant nwnber on yow shed or money order made payable to Capita! One, F. S. B. and moil in the erulased envelope. peoplepc- online \-./ A better way to Internet, UNLIMITED IWMRNET ACCESS el -888-587-9669 Mention Offer Code: DOLLAR Visit www.peop1epc.conVgo/do1Iar PWplsPC is soley responsible for this dial and is not affiliated with Capitol Ons. Capital One does riot provide, andoree or guamtee, and is not alli aced with, any product or service shown here. Any trademwrs mentioned herein are solely owned by the respective entity. All rights reserved. By respondng to this offer, you may be conmuiicatng information about yourseff to the company the provides ft product - for ample, that you are a Capital One customer. 'PeopePC Oolile: First 3 months ass billed at $4.97 per month; $9.95 per mod" thereater Offer available to new d wl-up subscribers at least 1 B years of age and may not be redeemed with any other offer. Offer subject to change at arty tiros Phone tedrdcal support avalable for 61.95 per minute. tAccekralor is he for 12 months Offer goad for lifted lima Ater the fast 12 month% the Accelerated service will audom"y revert to the standard PeopMPC Ofdae service. Offer subject to change at anytime. With Peopw Orin Accelerated, certain Web page text and graphics will bad faster when compared to standard Cld-up Internet service. Actual resub may vary. PeopW Online Accelerated is only compatible with PeoplePC Online Imematsarvice and specified Windows® browsers. PeoplePC Onfins Accelerated is not compatible with Windowa0 95 with IE 55 SP2. Service not available in al areas. Access fees, taxes, and other lees and restrictbre may apply. Tdophnn toil charges may apply, even dump trial periods. You are responsible for determaring wlwther a call to one of our actions numbers will result in tdephone Id charges. Access may be laced, especially during tines of peek usage. OiaFup numbers may be changed at Peoplel discloser. Cadifwous nos subject to tan lout omoedres. AN use is subject to PeoplePC OnNneb Services Aqm~ and Acceptable Use Policy. 56K Is the maxa sin speed of service, actual speed may vary. 0 2005 PeoploPC Inc. Ali Rights Reserved. Pw0sPC Online and its logos are trademarks of PeoplePC in the U.S. and other countries. 0 2005 Capitol One Services, Inc. Capital One is a federal registered service mark All rights reserved. 5! II? g O d; ?ry I- a. gains period. You sun hew a mk*n m grace period of 26 ebys wlthq finance charge on new Purchase, new balance Inuadera, new special purchases and new other :M.== ythe knrpomam ebtice for payments below, w in and I. time fu it to be credhad by your next Metes dosirp date. Tirore h no gram peried on Gall WvsnDoe and peetlal trarolen. In addhion, there is no grace period on any trarmdion It you do not pay the tam 'New baance.' b. Atoning 19rrna C1rp. Tu oacdan which an not w61ati to ¦ grace period are awmaed fl-- charge 1) iron the data of the transaction or 2) from the date the transaction 1s processed to your Accent or 3) from the find calendar yda of the reared billing pedod. Addtlanelly, if you old not yy the lhumNnnce 'Newtirodsunpai fiatanced b' fro m thep-.= ng period r bebkrfull, rgo eentkrs la stems to yyoowex spacce is paid In hill. alance TNo an" dm you mey mill owe Aronce charges, even if you pay the moire New Baieruro indicated on the from of your statement by the next statement doakg data, but old not do se fm the preview month. Unpaid firorce ch. are added to it. lie sepnem of your Account. Mtkramn FYranas, far each blAkg period cut max aces reweo from [roe ==. of yyoouur pedodc rete(al is than 0.60, we that "nom from the 40.50 minimum and the difference will he baled to the purchase aepn?tt of your accent. t' d. Tsapmmy Raismista A Fanano Orja. We reaerw the right to not asseo any or an finance dnorges for any given begionkg balance of each sepnent each day, add any now trarom ons to each Is rear, and subtract any la ymenm or cm&s. (If the code N appeam on the from of this stnehrmm from to 'Balance Rate Applied To; we also subtract any unpaid trance Burge included In the beence of each segment.) This gives us the daly balance o1 each segment. Then, we add up all the dWy bNnrea far each segment for the dung period and divide by the fuel number of days In the billing period. This gives us the average daily balance of each segment. 3. Award PmaarMya N+m (APRI. . The term 'Arsssl Pantomimic Rata' may appear as APR' on the two of title martement. It. 11 the code P (arms), L (3 me. LIBOR), C (Cenificato of Deposit), or S (Benkcad Print*) appear an the horn of two mat-rent nest to the periodic ratels), the psdock rates and correapom ANNUAL PERCENTAGE RATES may vary gwnedy rosy Increase or decrease based on the mated indices, a toad In The Wea Street JowM/, plus the margin previoumy disclosed to you. Than dxrgea Mg be etbcdve on the firer day of your wt ped covered by Veto periodic statement ending in the months Janwry, April, Jrayy and October. c. If the code D (Priam), F 11 -mo. USOR) or 0 (3 LIBOR Repriced Monthly) lppeare on the hold of your mnemmn rand to tls ydoAc r an the pedock reto and cour rt6q A18a/AL PERCENTAGE MTES they vary monlNy may increase or deenase based on the mated kd)ces. as ford in The Wsa S-.evaruf Nee nor wN ;:?n fecptiw on Meer AMSM t otem DIIN? -fie Y Yom rag pe riod each month. 4. A----Mt of Let., overlent anti RemanM Paysrent Fos. Your octant We be normaed no roe then two of the fees limed here that occur d ukq any bOWN period. lender the terms of your customer agresmerp, we reserve the rigip to waive or not to ears arty bes within prior nodBeation to wfilrap waiving our right to aesese the same or sknnar em at a later rime. 5. lieu Asastat. 11 • membermtip be appears an the from at thin matemem, you have 30 days fmm the data two Warmers wce mailed to you to avant Paying the fee or to hew such fee crested to you 11 you cmncal yqur account. During this period, you they contkrs to um year accent without having to pay 1he membership be. To camel ages eexoont, you anon rarity us by calling our Qsearor Reistloro Deynmem and yy ywr 'New Bebntx' In left (excluding the errhbennD ma) Prior to the end of the thirty day period. 6. If Yam Cbse Ysts Among. You can request to dose yyoeur accoup by cmnnq qur Customer Rmatbro Depanmem. You run danrey you cedk earls) and couarp ecDoO =k a, osncm ad prewahedzed blfikg, end cesse your aeYOUarp. It yqu do not osnem preauhodied nil arrarhpamenta, we will cas)der receipt of a charge your authorization to reopen your accam. Aukadonon your account will not be cloned un l you pay all arnoupe you owe us Including: any =211 ve =zed, finance charges, past due faro, boa, resumed yymumt face, cash advance face and any other fees assessed to your awo nt. You are responsible for rime amours whedror they appear an your accam at the time you request to close tlro accent or they are Incurred subsequent to your request to dose the ac-tzrn != may re Wt In cherpn appearlep an you axiom after you Mve Your accom it it has already bean closed. For example, it you authorized a purchase from ¦ morda m and m receive the trerrandrat from the merchem after your -court has been dosed, your aecoua we be reopened, the ammnt of thevA be added to your account, end you wiN be responsible for payment. It there le e mamba ship too for your accoad, the fee will continue to be do m the extern U-Ited by law, -11 the accaarp hell been yid In full ant donned show. 7. Yav Aaastat.Yau card or account cool be let oomection with any internal gambling B. !robs /Java asaa Cltaak Carwersbn. When you provide on check ek as payment you autlrorbe 'r to see inbadon from yous r check m melee ¦ a wro time electronic ess t cupds trans fer a from yout account or to process intorrne rhorni as a crock obankmalmfan mVAron war hand trsMer, knda pay be Wthdram from your bank accent ere soon ere tlroysor day we receive your payment , end you wee rot recelw Your check back from your financial Institution. BILLING RfQKrS SUMMARY fin Coe Of Enere Or Ovation Abort Your Bill) If Yqu tNnk you bill is wrong, or if you nod more intamatkn on a transaction or bill, wane to us an a 9Gyrate sheet ere soon as poaalble at the aeldrese for. NngWrice ehorm on the hen m this Warsaw". We must hear from you no later then 60 ryyas after m sot you the Anal bbl an whkh to error or :=a=,a Ycall our Cumomst Relations nnvdN rot Preserve you rights. In year letter, give us the fNlowkq mtomatkm: your name and octant number, the dollar amour of the suspected error, a description of the error and an explanation;2=WW of Wryy you believe there la an ertor; or if you inbrmatlon, a dmcription 01 rho Item you are wears about. You do not low to pay any , m cent In question will m are inwnigatgq k, but y- am met obi(psfed m Pay the parts of your bkrrthat are not in question. WMNe we invenh nne your question, we cannot report you as ublkquent or take any action to collect the amour you gt=al Capital 01LOLBAK Salom Rinsnmed arge Is callalahd 6y naatlpiybp thel daily $,t' Spacial We For Credit Cad Purchases If you hew a problem Win the gwlky of property or aeoric Chet You purchased rviM • creent cad and you hew tried In good 4ith to .tract Nro problem suit Me merhant, you may hew the right rot to pay the remaining amain due on the prCity or seMw. you haw Ilia Pmectim eely when City price was more than 460.00 and the purchase me made in your home more or within 100 maim nt your mainng did. (If we own or operate the merchant, or if m mailed you the adwmsenem for the property or services, an purcuses a covered regerdeo o emowt or lacadon of purchase.) Please renumber to sign all cornapordencs. t Dom rant apply to consume non-credit card accents t Does riot apply m business non credy cm d accounts Ca cal Olio seppona hbroullm privacy prommon: we our e at -f alone.con. Capital Oro is &9.= service mark of Coal One Rrie i . I dgida reserved. s 2003 balance of each Wants. of your acco m le.g., rash advance, pu rchnse, special transfer, and special purchase) by the corresponding daily periodic meld that has been previously disclosed to you. At the end of each day dudrq the be" period, we apply the daily perloyc ram for each aepnern of your accent to thedeliy kelnoe of oscln aepnera. Then at the aW of the DWbg period, we add up the towns of than daily calculations to solve at your pedofie Inane charge for oM sapnad. We add up the results finance f?mm each season to ardw at the tam pedodc P far Your stxorarn. To gel the date ,yI Mlsnee mr each seprwrt of your aexaarn, we take the ospmkg beisnce mr each elQnernt and add any new tumoral ona rod any padodk hhnna charge rakWatad en the PreWcua dey'a balance for thin segment. We than subtract any yynronta or credits pawed as of that day dot are aNaosred to t br tsepnent. This gives us the separate deny baWce New BalstnDoeeprnMp of mages r :c P-..vious stet However, if you WV- if pre a ),, you new bWnce wo zero or s credt m aern), new asnsactbin rzldch pmt to your perderse or apetlsl pe are eepnerds are not Wiled m the daily nbe e usto s. W W am the average daily Wiarsa by addkg an the deny heI.- tograd- and dividing the sum by the number of ihe days in Ifni Gnarrent hNNrg cycle. To at. your total firsne, charge, -loply your avenge BY balance by the dailyo is me and by the number of days in the bill period. Due to rending on a daily basis, there rosy he a algid wrlance betvreen 1Ne oslctaWon aed the amour of if-- charge m mlany amm W. It the Dodo Z or N4; peen on the from at this natemont next to 'Balance e Applied To,' m mWtlph, the larpstfart MsUaa: Payments You mail to w verb be credtedto your accoup as of the bu sineo day we receive it, provided (1) you send the bottom portion of this amt-ga and your check in the enclosed tamltunce vol- emand 12) your peynlerd is reeelwd in our pnocerMg Doper by 3 p.m. ET (12 noon PT)., ==- st Z.=:My !5) buainese dys hx purul ebtlwry. Paymema received by w at any other locatlarn or Ilan eny other mm may not bboo credited as of the day we m mw them. days Mrargih Sslurday, exdendkg hoNdsyp. Please do ram we stepce, yper cqm eta wtnen Prapsrirg your yymmt Wtron ages sod us a mheckla1, you -c- br the smoutt of the cheek ougwdze us to make a one data electo trarobr, debit from your bank This auMOrizatlon appaea to NI ducb recmwd during pu hplhg cycle even if aim by someone else. If we carrot process the transfer, you authorize us to make a eharyp against your bank account using the cluck, a paper draft or other Nam. -t peoplepic- online UNLIMITED u A better way to Internet. INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet gyp to Service Providers, including: 97 ?1 / 5x w?eh ep ® Virus Protection powered by Syrnantec- ® Pop-Up BiockerT. IbrtM li$t tPmsrttlat-a $QO vaAwf Spam Controls 1-888-387-9669 ® 4 Smarter Smart Dialer Technology ' Mention Offer Code: DIAMOND ® 6g More Email Addresses Or visit www.peoplepc.com/go/diamond ® Internet Call Waiting + s R s bill MJ PLATINUM MASTERCARD ACCOUNT DEC 20, 2005 - JAN 19, 2006 5178-0520-7703-5141 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $3,369.62 Payments, Credits and Adjustments $.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If Transactions $39.00 you have already made your payment, please accept our thanks. Finance Charges $59.31 New Balance Transactions 23,467.93 Minimum Amount Due $205.00 1 19 JAN CAPITAL ONE MONTHLY MEMBER FEE $4,00 Payment Due Date February 18, 2006 2 19 JAN PAST DUE FEE 35.00 Total Credit Line $3,500 This account's Non-Introductory Rates as of 12/20/05 are: purchase A.P.R. = 20.3096V, cash Total Available Credit $32.07 advance A.P.R. = 20.3096V and special transfer A.P.R. = 20.3096V. If the A.P.R. is followed Credit Line for Cash $3,500 by'V,' then your corresponding A.P.R. is a variable rate. Available Credit for Cash $32.07 You were assessed a past due fee of $35.00 on 01/19/2006 because your minimum payment was not Atyour service received by the due date of 01/19/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. To call Customs Relations or to report a lost or stolen card: 1-800-955-7070 Send pa7menb to: Send inquiries to: Attn: Ranittarim Processing Capital One, F.S.B. Capital One P.O. B. 790217 P.O. Boa 30285 St. Louis, MO 63179-0217 SLC, Ur 84130-0285 Flnanee Charges Pleareree rewrite ride for impartant inj marrCioEn rn .ate Rr;olu C^^rr?^d^5r ?GE dro safe R PURCHASES 81,914.85 .05630%D 2055% $33.41 CASH 81,48351 .05630%D 2055% 815.89 ANNUAL PERCENTAGE RATE applied this period 20.55% PLEASE RETURN PORTION BELOW WITH PAYMENT M C _;X 0000000 7 5178052077035141 19 3467930210000205007 New Balance $3,467.93 Pi meprmt smiting addeu m d oar. mite! ages helm wmd btw w break mk Minimum Amount Due $205.00 sneet Apt ¥ Payment Due Date February 18, 2006 City State ZIP Total enclosed $ Home Phone Alternate Phone Account Namber: 5178-0520-7703-5141 P.n.il Add-o i #90020428911973204 MAIL ID NUMBER Capital One, F.S.H. KAREN HARBOLD P.O. Box 790217 lrluliluululltltrl o 4529 ROLO CT St. Louis, MO 63179-0217 MECHANICSBURG PA 17055-5889 ltllunllunlllutlltlulluntltlnulllutluriliuulullnl luulllusIll. gill rlnitlulrlrlululolsltlnultilrlevil rill Please rtnite your account nsaebn m your check m money order madepayable to Capital One, F.S.B. and mail in the enc/cued ersve%pe. peoplepcrw online u A better way to Internet, UNLIMITED INTERNET ACCESS 1-888-v87-9669 Mention Offer Code: DIAMOND or vi www.peoplepc.com/go/diamond g o O ' m O? n PwpePC is solely tegtoneibhe for this offer, and is not affiliated with Capital One. Capital one does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Airy Bademalks mentioned h&*n are sdely owned by are respective entity. III rights reserved. ey responding to this offer; you may be oc mmahlcatirg information about yourself to the company tlmt provides this product - for example, that you are a Capital One customer. 'Peopli Online: First 3 months are baled at $4.97 per month; $9.95 per month thereafter. Offer available to new coal-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to Change at any time. Phone technical support available for $1.95 per minute. tACcellandor is free for 12 nandtg. Offer good for limited time. After the final 12 months, the Amaharded service win automaficaly revel to the standard Peopill Online service. Offer subject to change at anytime. With Peopi Online Accelerated, certain Web page led and graphics will bad fasts when compared to standard dial-up Internet service. Actual results may will Peopll Omme Accelersted is only compatible with PeoplePC OKne Intemehosevice and specified wi dowa® locations. PeophPC Online Accelerated is not compatible with Windowsill 95 with IE 5.5 SP2. Service not available in 99 areas. Access fese, taxes, and other fees and rested" may apply. Telephothe toll charges mey+ppy. ww during trial periods. You tae resporeblefor determining w4telfsr a call to orw of our access numbers will result in telephone too chalepa Access may be Iinlted, especially during tines of peak usage. Dial-up members may be changed al psoptill gacretbn. Continuous use subject to timeout procedures. AN use is asaxx to PeoplePC Orl Sernoe r Agreement and AmeptaW Use Poky. 56K is the maximarh speed of stall ; actual speed may vary. 0 2088 PeopleK Inc. AM Rights Reserved. PmplePC Online and its logos are tradwwm of Peotell in the U.S. and other counties. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. Ain fights reserved, dadic rate. To obtain the average daily balance for the GN , ppeedad covered by this m+temem, win take the be¢mi11p balance of each aeprrent each ay, add any new transactions to each segment, and subtract any psymeme or credits. (If the rode N appears an the front of time statement next to 'Balance Rate Applied To,' win also subtract any unpaid anenca charge Included in the balance of each segment.) This gives us the duty balance 01 each sepnmd.Then, we add up all the daily balances for each segment for the tlNing period and divide by the tad rcmber of aye In the billing period. This gives us the avengqee ally balance of each segment. 3. Netad MaaHags Rees IAPRI. a. The Z 'Amhul Pemanege Rate' may appear as R' on the from of INS sutemem. b. If the code P ipdme), L 13 -ma. LIBOR), C (Camomile of DepodU, or S (Gnkcard Prim) appears an the from of tea nmemem rotes to the pedodc tensile), the pedoek rmes ant ccne-, ANNUAL PERCEMAOE MTES may wry gwteriy may Incmass m decrease based m the mated rodeos, as found in TAe Well Sfroer Jaraerr, plus the mq*n pprreavfoWy Aludosed to you. Throe dotrgea will be ethacswe an the am day of your period cowed by your periodic statement ending in the matte January, Apm, July and October. c- If the rode D gotten.). E 11-mo. LIBOR) or 0 13-m0. a statement next to the ppeedi ratels), the Masi Find on ANMIAL PERCENTAGE very manfey =may inmeese or decrease loomed m the mated Mee., as land in TM WwY Sorest Joan/, pi- th. margin praviausiY dadossd to you. These changes will be effectlve an the first day at your bong period each month. 4. Assesaawo of Late, Olwiml std Rm%mmd Psas-- Fees. Yw accent wall be esaesssd ne mom than two of the face limed hem that occur dung my billing period. Under the terms of your customar egremwt, we reserve the right to alve or not to assess any fees without yrie relflcstion to you without walving our right to assep the same or similar }?e°ars at a hmr time. S.lTaracig far Afl; it a meawasuship you rtes it. appesrs m ot firms t .1 of Ms sutament, you Mw 30 days tram the date this statement was milled to You to avoid paying the tee or to haw such bin crselNed to you H you osncel yar amour. During 1Ma Pascal, you may crxnkcot to use yw account vMOhou hating to pay the mmbership tee. To asned your eccant, you nun notify us by caws ar Cuatomar Rahtlaro Dap. se, and pay your 'Now Glance' in full texdudng the membemmp fee) prior to the end of the 1m F,. period. 6. It cos Oess Year AaaseH. va tan requem re dose ZsccaaN by ca" Our Customer Rites nmem. You must der mY your credit cardle) and account access checks, cancel cuff pmaulhodzed nloing, ant cease uskq your ecoo i It you do not as do preauhedzed Yng srrargostmts, we will consider recsipt of a cfsrgsi your sutedzaton 10 reaper you acreun. AddtiauNV, your accent win not be dosed ."N you pay en amwrs you owe us 4rJUdkq: any transactors you Asve suteri:ed, tkeram charges, Pam sh dUe fees, Owrilmn fees, mounted payment r,$,: advance tees and my ototr lees essessad accent. You are respadbie kr these emotions Aft, they appear on Yw accent et the tone yyaa? negmreat to close the account m they me Inerrrad atossgnent to van realm to dose the accent. This may result in your eccdlnt If IF Itss beady been closed. Far example, if you aulte Ili d a purchess from a metdrsrt and we receive the transsCllen from the measure after your account has boon dosed, your account was be reopened, the amount of the charge was be added to your amount, and yyoouu wil be resporwible for payment. If them is e memberable fee for Your accous, the The will continue to ba eiuraed, to the ewem permitted DY few, unit the account balance hes been paid In full as alined above. 7. UUasiirh?a Your Aaswd.Ywr card or accent cannot be uae?in corsnectI- with my Warner gambling traru .I"' 8. 1aa4Ys Almost ENskris Chink Oawwin. When ya provide a deck as Patroness, you auhodze es abhor to use Information lean Your deck to make a one -tone eleammic std transfer from your bank acccafla or to process the payment ss s deck irsreaatIon. When core use Mformation from your deck to make m electronic end transtm, Ards may be w4Hndrawn horn your bank eccant as scram as the same day we femur your paaur Ansnchl irrth=ri reciaw your Neck back iron BILLING RIGHTS SUMMARY On Gee Of Errors Or Questions About Your Bill[) If Ya dank your bill is wrap, or if you need more in=mion an a transaction or big, come to us an a ospsete sheet as scm as possible at the address for npwas shown an the from of lime Statement. We must hear from you no later than 00 days after wu sent you the firm bill an w4Ych the ettof or prshbm eppaarW. Ya can cut cur Cummer Relstlons raarisr, but ddnp an wIN not Preserve Your it". In your hatter, give w the following mt :n,*. your name axt aecaan number, the dollar amour of the swpected mmi a description of the error and an explanstion, i e, of why you bdb thereo Is an error; or if you max Informed- a description the ham you ere uwre about. You de not hew to pay any amount in question whole ws are InwiNlomhe m, bur ya em stiff obligated a pay the tarts oil Yar loaf that em net in question. While we Into yen question, we cannot report you tic delnhqurent or talon any amkn to c011ect the amour you question. t,t Special Rile For Credit Card Purchases If you haw a prudent with the q:l of property ar ssMces that You Purohesed wlM a creed card and you hew tried In good faith to cormi the problem with the mmcunt, you may haw the right not to pay the Fomal arrest due on the p sty or services. You haw this protection outy when the ir=w yoke was more than 050.00 and the purchase was mask In Your home state or within 100 man at your mgkg address . lit we own or operate the merchant, or it we nailed you the edwnisemem for the property or services, N purdssss ere covered regardless of amount or bcatian of pumhefle.) Please remember to sign all conespondmce. t Does, rat apply se -or, non-credit card account. t Does, net app ry to, brslnese ran cmalif card accounts Gp 1 One supports kHmnegon privacy promotion: see ar to at -.=-- Gpitl Oneal Coporstlon. All h a dnemd service mark of Capital One Frunci tights reserved. a 2003 Capital One 01 LOLMK 1. Haw TO Avers A Felines ChW@a. to. 9fles Paled. You will hove a mrNmunn grace period of 26 day without finsrce dot an new purchaaea, now balance t.,.&.. new opedel purehesn ant new other dirges If you psy You, told 'New Balance', in accordance with the Inponow Noti tot Payments below, and M time for it to be credited by your next mommem efodng date. There is rat grace period an cash advanees and special tmnsbm. In addition, there is On it period on any q-taction it you do not pay the toter 'New balance. b. Amami Fktaota Orgy. Transactors which are not subject to a grace period are assessed lhunhte charge 1) from the date of the transaetion or 2) from the date the usrraction la processed to Your Account or 3) from the first caladsr day of the arrant tllNrq ppeeriod. AddlslaneNy, i/ you old not pay the 'lbw Balmce' irsrri the pmviae hNNng period in ant, faomm, charges continue to accrue to yyq01xX upmd balance until the unpaid balance is paid in null. TNS means that you ma mot Duce finenee surges, awn If you pay the entire New Glance indkceted on 1st tram of yar maternem by the next sto mein closing date, but did not do so for the prevms month. Unpaid Sru nee herpes re added to Me ppkahle sepnenm oil year Accohan. tc. =acc Falaots Orap. nor each I,Ng period that your account h awirpl1eseett to a annce charge, a minimun told RNANCE CIIAAOE o1 00.50 vvin ba Imposed. It the you tmd #mmcFe itsge resulting from the a an of r periodic rate(s) leIw than 10.60, we I srbtre tMt ameat treat the 00.50 nmnirrsn and the Afferorroe will be blood to the -do- se==. tdTsgaay, Noted- kz We maerw Me Flow to not creaser my or an flraw:e charges for any given 2. blolrg pegod. r o. Resnais charge Is sa calculated b Now Pr ling the. e. dmme o of of each cdaLtad y raccoumt ( t (e.g., daily rch aag nam of ran aaae.g., t0eh aMSee, purchase, spaWl transfer, end spedd pu bent by the sly mmimpanding dis hosed duty Ahdt ratials) has been she loft banrY period, d to you. . At the and end at il each day ch g faded, we apply t the any periodic me or as she he an to the daily balance of each segment of yaw amount mirmons. Then as the and of the bill period, nperiod, add W the the feasts of those dally calculations to antes at at you pedaac arernos charge br eacn segment. We odd up the reels Iran each sepnmt to erriw et the tonal Pedodc finance surge fair your amount. To gat the aly bal?ance for each sag ant of your account, we take the beghnheg balance for each segment and add any new transactions and an padafc flnerea cugp calculated an the previous day's balance for that segmerht. We then subtract any paymema or cmdre posted as of that day that are allocated to that segment. This given us the separate duty balance for each segment of yea accwn. However, if you paid the New Balance mown an your prevous matemat In full for If ycur raw balance was zero or a credit amount), new trarsactkce which pox to your purchase OF special purchase segments am non added to the daily balances. We -castle the avenge delay balance by adding dl the dolly bahrces together and dividing the sun by the umber of the days in the arrmt bong cycle. To calculate your total finance charge, mull 1' vac average daily balance by the d¦lf .oriole tee and by the number of aye in the billing part . Due to ramdrg an a ally bads, thre may be a sirglt variance between this calculation and the amount of ansnea charge small spend. to Ii the code Z m N appeam m the hat of 1Ns statement next to 'Balance bate AoNed To,' we multiely the lnrgeesarM Ilallaa: Payments ya mail tow war bepamd ad to your account as of the bisieta aY win mcave it , Provided 11) you sand the bottomportico of t1W matement and your check 12 n our pow Payment sa received byaus et m= IcaHanaor In aanyy oottma r loner meiy re be Credted cum's offrthe ayy we ?ve Hewn Out aken days are Malay through SetwdY1 hN Please do not use staples, Asper dl etc. when preparingyau r W NRotn you send us a c ackhh You authorize m to make acue -time electronic transfer debit nrm your bank acccont br Ile amount of Mot check Tuts euheri zatim applies to dl decks recelwtl dubg the bNlkg cycle aunt if amt by someone she. If we amot process 1st tranbr, you euhorize us 10 make a charge against your bank account using the check, a paper draft or other tem. XDW With FREE Accelerator peoplepu online • for fbe ffiret is menew-a •eo value %1_11 A better way to Internet. * PeopIePC Online offers all the features you would expect from higher-priced Internet Service Providers, including: ® virus Protection powered by syrnantecTe a month for ?vmo ths; ® Pop-Up 8lockerTM $4 Spam Controls SIG UP TTODAY'll A? Smarter Smart Dialer Technology ' 1-888-587-9669 .9P L1W More Email Addresses Mention Offer Code: PEARL Or visit www.peoplepc.oom/golpearl + 0 Internet Call Waiting ? a PLATINUM MASTERCARD ACCOUNT JAN 20 - FEB 19, 2006 CRW 5178-0520-7703-5141 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $3,467.93 1 23 JAN PAYMENT RECEIVED -THANK YOU S165.00- Payments, Credits and Adjustments $165.00 Transactions 539.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If Finance Charges 558.42 you have already made your payment, please accept our thanks. New Balance $3,400.35 Transactions Mimmum Amount Due $142.00 Payment Due Date March 18, 2006 2 19 FEB CAPITAL ONE MONTHLY MEMBER FEE $4,00 3 19 FEB PAST DUE FEE 35.00 Total Credit Line $3,500 Total Available Credit 599.65 As a valued Capital One customer, you are eligible to receive a free Year-End Summary for this Credit Line for Cash $3,500 specific account that recaps your 2005 charges, provided your account is in good standing and Available Credit for Cash $99.65 you have made transactions during the calendar year. Please call 1-877-794-4487 before March 31, 2006, to reserve your copy for this account. Orders will be mailed out by the end of April 2006. At your service You were assessed a past due fee of $35.00 on 02/19/2006 because your minimum payment was not To call Customer Relations or to report a lost or nolen card: received by the due date of 02/18/2006. To avoid this fee in the future, we recommend that you 1-800-955-7070 allow at least 7 business days for your payment to reach Capital One. Send ppmentr to: Send inquiries to: Aare Retain- Procrosing Capital One, F.S.B. Capitd One P.O. B. 790217 P.O. Box 30285 St. Louis, MO 63179-0217 SLC, lTr 84130-0285 Finance Charges Please see reuerreriik for important information 4 B.1 -rate t' oti Cw,e pndw6 ?1CE q'pfiedfo rnrr PURCHASES $1,870.99 .05630%D 20S5% $32.65 CASH $1,476.33 .05630%D 2055% $25.77 ANNUAL PERCENTAGE RATE applied this period 20.55% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 3400350165000142009 New Balance $3,400.35 Minimum Amount Due $142.00 Payment Due Date March 18, 2006 Total enclosed $ Account Number. 5178-0520-7703-5141 Plrarpri.tmai(irgaJdrruandl e-nsai(rhangrbe! asa66! Ah,4.k,nb. Saeer Apt, ? city S., ZIP Home Phone Al.- Phone •? #9005042891197327# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 790217 Illulllullullll,lll o 4529 ROLO CT St. Louis, MO 63179-0217 rmv MECHANICSBURG PA 17055-5889 o .? 11111111"1111111111111111111/11111111111111111111111111111111 ? ? 111111111111111111tltlllll1111111111111111111111111111111111II Please writeyoer amount number on yore chec4 or money order made payable to Capital One, F. S. B. and mail in the erulared enulope. r peoplepra online *1? A better way to Internet. UNLIMITED INTERNET ACCESS SM UP Town 4 saigm Mention Offer Code: PEARL Or visit www.peoplopc.com/go/peari PeopbPC is selely respof a for this offer, and is not affiliated with Capital One. CapiW One does rat provide, endorse or guarentes, and is not affiliated with, any product or service shown here. Any tradrlwks mentioned Wain are scaly owned by the leapactlve entity. All rights reserved. By responcli g to this 0111% you may be communicating Inform Ion about yourself to the company that provides this product - for exarrple, that you are a Capital One customer. 7eoplePC Onlins: First 3 months ¦e bit d A $4.97 per month, $925 per month thereafter. Offer available to new dial-up subsorkers at least 18 years of age and may not be radeemed with try otleer offer. Oiler subject to change at any time. Phone technical support available for $1.85 per minute. }Accelerator is free for 12 months. Offer good for Iknited time. After the frl 12 .,Kxdl , the Accelerated service will automaticdy raven to UIe MmKi rd Pecpk PC Onlne service. Ofteraosd fo dwge at"kne. VMh PwOePC Orike Aaeaanded, ca tell Web pap text and graphics will bed faster when compared to standard duel-up_ Internet Samoa. Actual results may vary. PeodePC Online Aceeknited is only compatible with PeopkPC Online Internet service and specified Windowe® troweers. PeoplePC Online Accelerated is not compatible with Windowell 95 with IE 5.5 SP2. Service riot available in all areas. Aims fees, tams, and aft fees and restrictions may apply Telephone toll charges may apply, even during biel periods. You are responsible for datemliling wh" a call to acre of our excess mum br8 will result in takiphona toll charges. Aims may be smiled, especially during tines of peak usage. Dial-up numbers, may be charged at PeopWVs discretion. Continuous use suhpd to timirout procedures. All use is sullied to PeopbPC Onsne's Services Agreement and Acceptable Lae Policy. 56K is the mrdmum speed of service; actual peed may vary. O 2006 PeoplePC Inc. AN Rights Reserved. PeoplePC OrYme and its loges are trader arks of PeopiePC in the U.S. and other countries. O 2006 Capital One Services, Inc. Capital One is a federally registered service made. All rights reserved. ti f? ff!"? fififfifif? fiffiffifif: fifes 8 o O O ? dd? nil O r.3 ta. Grass Par W. You will hove a minimum grace period of 25 days withM finance dmryo on new purchases, new W Wtce movelero, new, special purchases and new What pay your total'Naw Balance', in durga it you accedsnce wl the Important Notice for payments below, and in time for it to be credited by your next statement champ dote. Thera is no grace period on cash advances and special trsa lem. In addition, there is no grace pedod m any trenactlon if you do not pay the total 'New balance.' b. Assent Fbt Carp. Transactions witch em rat stbtect to • gram pedal sro a-., 2) fiance charge t) from the Caste of the cod w yien or 2) from the date thettanaotion i. pnaceered to your Account or 3) from the stn cNantder day of the swam blNinp period. A, If Ily, it you did of pay the 'New Balance' fIF tle Previous NRng period in lu i, finance dargea continue to accae to Tour unpaid balance all the unpaid balance Is paid in futhis means that you may nit owe finance charges, even if you pay the entire New Balance indicated m the from of your stnem on by Ills Fora natemem dwkhg dote, but old tat do se bar the p.,,. month. Unpaid Lnanc l charges sro added to the ?plkaMa sepnerm of your Account. t c. IArY.sa lima Carp. For sech Ming period that yaw accord Is f?ublect to a Lance charge, s midnwm total FINANCE CHAAOE of $0.50 will be imposed. It the total Lance chspe sufd from the a eatlon of your pecio rateas) is lea than?0.60, we wilt Subtract due /ram the 10 60 mmlemw and the dilteretce will be band to the pun2sse m accost. td. TsaaPerry RadnNisn as We We reserve the dgft fo rat assess any or sit LhernG dugps for any given periodic rate. To obtain the average daily balance for the bilkp led covered by this nnemem, we take the balance o1 each segment each day, add any new transactions to each aprient, and subtract any peymam. or credits. Ili the code N appear m the from of Ilia Nelermnt rem to 'Budwsm Rate Applied To, we also subtract any unpaid ficantce charge Included in the balance of each agnoN.) TN. gives us the dally balance of each segment. Then, we add up all the dally bounces for each bar the blame ppeeriod and divide by the total number of days in the NNnng period. This gives us the aveuge daily balance of each wgirm nt. 3. Am -d rsranuusa Rita IAPRI• e. The tam 'Ann sl Percentage Rate' may appear as 'APR' on the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bsnkcad Prime) appears on the from of this armament next to the periodic fatale), the periodic rata and conespondI7 ANNIU PERCENTAGE RATES may very gwnedd Y an maY ntros., m decrwa based en the stated Indices, as found in rho Wsw Street Jousol, pus the margin ppareNotsly disclosed to you. These changes wilt be effective on the firm day of your billing period covered by your periodic summers endkq in the morels January, April, July, and Ociobn. c. It the code D (Prime), F (I -rim. LOR) or 0 13-mo. LIBOR Repriced Monthly) appal on the from of your statement nee to the petl,dic mein), the l;Vc rata and corraoordre ANNUAL PERCENTAGE MTES may vary monddy a may inerease or decrease based on the charges appealing on you account efleryou ha your account if it he. already been closed. For example, need indices, as foul in Tim Wait Soren JWanal, plus proNouNy dsdosed to you. These oihannge. the margin wilt be effeGive en the fire day ot yow NNirg period each math. 4. Assessment of Lela, Owrltnea N Raksead paynratt Fees Your account We be assessed ne more than lZ of the Na listed here that occur during any U" period. Undo the toms of your customer agreement, we reserve the right to give or not to sneer my two witho n prior mztfkrtbn to without waiving otu right to assess the same or similar Jyaou. n a later tins. 5.TRoanin? Year Mawat. If a membership fee appal en the from of Ilia statement, you have 30 deye ffenn the date this statement was muted to you to avoid paying the lee or to hove such lee credited to you if you Grcd you eccaun. Wdrtg tits period, you may comasus to use your actoum rtthou hevirg 1e pay the membership fee. To cancel your accmat, you must nutity, w by calling our Cust-For Re4dms Dap . end paY you 'New Balance' in fir bxclWng the mmnbenMIF r/oe) pd. to is and of the thirty day period. 6. N You Cases You Aawmad. you cart regusst to dose yywmma acceram by GRllg our Customer Relations Depanmant. You must destroy your credit Gras) and account access check., GIItel ail preouthorized NNng, and was you aoxerm. if you do not cancel protauhedzetl errarnpeahents, we wall consider reoxhbt of a Gharge Your autlori:atian o reopen you ecconn. Additlonsey, your accerrrl wig r be domed untif you pay fig smoxata you Duos us Including, any tratsacNae you hew autlorized, Luruca chsrp,s, pen due tees, oyedimlt fees, returned payment tees, Gosh advance few and my other lea asserted to your accost. You are responelhie for these amours whether they appear os yerr aacwt at the time you regusst to done the accent or they em incurred atbaequent T your ml-st W close the account. . n if you authorized a purchase bran a merchant and we receive the traneection from the march m after your account has been dosed, your account will be reopened, the amount of the cisryrgaeour be added to your aoxmnt, =m Wes be reapanrere bar payment. If there w a Np fa for your accmnL the fee will continue to be cha , to the exrem pemined by law, troll the eccou.m balance has ban D? In full as desired above. 7. uakrg Y. Asseard. Your cad or account cannon be Used in Carahan:lbn with any Internet gambling tramectbns. ch lt dank 0-d-. When you 8. NNass Along provide a check k as er g pavement. you au oa tm i to use Information tram yaw c hack to make make a s one--unto electronic find tnnster from your bank acemm or to process the:aeymem as a Gook transaction. When we use mrommlonn fmn yerx dart to make an electrenic find transfer, leads may be "v=,.wn from your bank amotm as soon as the eame day we receive your payment, and you wR rot receive your check back from your Aneneisl BILLING RMTS SUMMARY On Case Of Em- Or Questions About Your Btl0 If you think your big is wrong , or it yd more infomwtion on a transaction or bar, write to us on e separate Nreet as earn as possible at the address for rquides Nown m the from of this statement. We mull hear trop you ne aster then 60 dayyss after we was you the fire bill on which the error or prablern appeared. You can call our Customer Relation number, but doing so will not preserve your righta. In your letter, give us the following information; your name and accoun umber, the dollar amoum of the suspected error, a domma s, of the error end an -planation, if possible, of whyy you believe there is an error; or if you need more Inform , • description of the item you am Insure about. You do not hove to pay any amount In question while we are inwatigad it, but you are mill oblij el to pay the pons of your alp that are rat in question. lNhta we investigate your rpaNim, we cannot report you as delkquam or take any action to collect the amount you question. t,t Special Rule For Credit Cad Purchases If you have a problem with the quality of propeny or services that You purchoead with s credit cad and you heve tried in good fifth to correct the problem with the pay the remaking merchont, you may heve the right not I0 amass duo en the property m servlcea. you heve this protection onlwhen the se yrice was more than 850.00 eM the purchase was made in your hone stns or with. 100 mgea of your mailing address. IlI we owe or operate the more ant, or if we malted you the advertisement for the Property or services, all punchasss are covered regerdow of -murri or lowlier, Please rememben to sign all Grmspondence. t Dow rim apply to conwmm area-crwet card accounts t DOW we sooty to bcwww non crew card accounts Capital One suppons Information privacy prmection: we our webahe at www.G ukas.con. Capital One is s rally redstered aervica mark of Capital One Fkuntiat Corporation. 1171 rights reserved. a 2003 Capital One OI LGUBAK Avragi belly Bslsrnea Ifruknir Nnv par I I. a. Rnrce barge Is calaJned by ,AiplvhV the daily balmoe of each s.pnem of your account Ie.g., wall advance, purchase, special transfer, and spacial purchase) by the corresponding doily periodic totals) that has been previously disclosed to you. At the and of each day during the billtg pearled, we apply the doily periodic rate br each sagmem of yax accotsn to the dally balance of each ;.Venom. Tian n the and of the filing period, we add up the webs of these daily cafodatlaa to arrive at your p,rioxfic a- large bar each segment. We add up the re.dta from each segment to arrive n the total Peflodic yy ka?lsnee Amin charge for your account. To got the daft for each segment of your account, we take the bepraing balance for each sephant and add any raw Iraraectlos and any periodic Lance charge calculated on the prevlow day's balance for that sevntmt. We then tabtnot any payments o credits posted as of (het day that are allocated to ther mgment. This gives us the separate deity balance the for each segelent of your secant. However, it you WI! New Belenea Hewn os your prevbus rtatenem N aiif your new balance wee "m or a credit amount), new transaction which poet to your Vh". or epecisl ptmihase -ill" * are tat added to the GNy ad the daily . cakrriate =1K.= the the by sun adding the the days in the c by the r of r of the ley the mnront you, cycle. To calcine your ton fins al nnce charge, mudllply your average deity balanee by the dally e and by the Hobe, of days in the billing pied Due to m rmrdnq os • da9y basis, them may be e sg t venisnee between 1Nn cllerdetim and the amount of anon charge merely assessed. b. It the code'2 m N appear m the from of this statement near toBNanee Rate Appkad To,' we multiply the lapls=" mme. you mail to us will be credted to yaw account as 0 1 cis darkness day we receive it, provided 11) you send the bottom portion of this stnernent one your check it, the sme velope and 12) your peyntam b racelved in our yracedng centre by 3 P.m. ET 112 neen P7). Please New at best Ave 15) blrNreea day. far posul delivery. Payments received by us at my odor bcatien or M my odor font maY nW be cedited a of the day we receive riven. Our business days as MwWY through SaturoMyy, excluding holiday.. Reese do rat use stplea paper dips roc, vthen PreWdrg you payment. When you send w a dsckls), you authorize us to make a one-lime elsomoric transfer debit arum you bank scmnt bar the emotes of des Gack. This auhodzatlw ePpaes to dI check. recelvad duAg the Wing cycle even If sent by someone else. If we Groot process the trensbr, you authorize us to make a large agairm your bank account using the check, a paper dreft or he r kern. Call TruGreen ChemLawn• today, and have more green In your lawn... and In your wallet. FORYOUR FIRST LAWN $24TREATMENT Plus, receive a FREE lawn analysis 7RLGR/E.E?NaaCIMBI MIM ymhelmpreensIn m A greener lawn starts at 1.866.270.3847 PROMO cooE wscTOmobl Account S Previous Balance $3,400.35 Payments, Credits and Adjustments $347.00 Transactions $4.00 Finance Charges $51.22 New Balance $3,108.57 Minimum Amount Due $93.00 Payment Due Date April 19, 2006 Total Credit Line $3,500 Total Available Credit $391.43 Credit Line for Cash $3,500 Available Credit for Cash $391.43 At your service To call Cost- Relations or to report a lost or stolen mrd: 1-800-955-7070 Send payments to: Send inquiries to: Att. Remittance Processing Capitd One, F.S.B. Capital One P.O. R. 790217 P.O. B. 30285 St. Louis, MO 63179-0217 SLC, UT 84130-0285 Important Account Information Please review the enclosed privacy information and retain it with your account recordA Also visit www.copitalone.comlaeditcards and dick on the Visit the Guide to Benefits link to lean about your latest Visa. or MasterCard. account benefits. The descriptions in this online guide replace any information you received in the past. For a primed copy of the Guide to Benefits, call the Customer Relations number on the back of your cad. 598647 Call and You'll Receive Rf Several treatments each season, customized to your lawn. JC1 A greener, more weed-free lawn - guaranteed! C"~0W I what's in your wallet?' PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 FEB 20 - MAR 19, 2006 Page 1 of 1 Payments, Credits and Adjustments 1 20 FEB PAYMENT RECEIVED - THANK YOU $205.00- 2 18 MAR PAYMENT RECEIVED -THANK YOU 142.00- Transactions 3 19 MAR CAPITAL ONE MONTHLY MEMBER FEE $4.00 Finance Charges Please see rev erxiide for important information r C Aoss6e6 t rate P l V T m jo ro e .pp/vdto rate R A1( PURCHASES $1,737.44 .05699%D 20.80% $27.72 CASH $1,472.61 .05699%D 20.80% $23.50 ANNUAL PERCENTAGE RATE applied this period 20.80% PLEASE RETURN PORTION BELOW WITH PAYMENT CRW 0000000 7 5178052077035141 19 3108570142000093004 Plans print ma 1mg.ddreae andw r msil rMndrr brlou, soma b6u or bluk ink New Balance $3,108.57 Minimum Amount Due $93.00 Sneer Apt. k Payment Due Date April 19, 2006 City Stare ZIP Total enclosed $ Home Phone Alternate Phone Account Number: 5178-0520-7703-5141 Erna Address #9007842891197328# MAIL ID NUMBER Capital One, F.S.B. = KAREN HARBOLD O P.O. Box 790217 II IauuIII!ns Is If l o, 4529 ROL CT St. Louis, MO 63179-021 7 m simmin MECHANICSBURG PA 17055-5889 n loll uulluulllsullslnllsusslLlLrJII tLLLLL11LLdLllyd _ I...111 rIllL,rrlrlnLlnlJrlraLltrlaLlnttltlLlntLdll Plexe vniteyour acount number on yow ebak or, money order made payable to Capital One, F. S.B. and mail in the mlxed envelope. TM)GREEN i`Nf..f`Lawinie CapiwoQ' I what's in your walletll i{IIw b m vilili S 100M Because you are a valued Capital One" customer, receive your first treatment from TruGreen ChemLawe for only $24.95*! Visible results. Guaranteed. We will work until you are satisfied, or refund the amount of your last treatment. Period. Pnomonon cods required at tms of schadulinglordsdng. Offer valid for new residential customers only. Not valid with other offers, on previous purchases, or saieli g services. Soma reWMNms may apply. Cool on purchases made through www.swvlcenraMSr.con or 1.666.270.647 and valid only with parddptlYg TruGmen ChemLama Providers. Cal for bcaU a Offer applies to forms up to 6.000 square feet. For awns over 5.000 square isrt, please cal for an eatMaw Home winces that repare specialized licensing or cerdkow will to padormed by companies appropirs" qualified and/or licensed. Offer void of copied or transferred and where prohloted. Any other use may arhedens fraud. Cash wow 11100 of t tam. Offer expires 12031/06. TnRir°n ChemLawn is may responsible for this offer and Is not afRAa ed with Capital One. Capital Ons doe not provide, endome. or guarantee any product or service shown hero. By responding to Ihis offer. you may be cornmunigNng Intonation about yourself to the compury that provides the offer-far example. that you ens a Capital One customer Any trademarks mentioned herein ere edey, owned by their nesper tiw name. O 2005 Capital One Services. loc. Capeal One Is a federally registered service mark. AN rights reserved. li sees N? aa?. lllll? 8 O o rn? ? ppeedodo rate. To obtain the avenge daily balance for the blNing dod red by this ataI ant ova take the hey batcove of each segment each day, add any new tare ons to each segnem, and suixram my 1:414 ants or credits. (If the code !1 ppeam an the from of this statement nee to 'Balance Rate Applied To,' we ales subtract any unpaid Trance dupe included in the balance of each turnovers.) This gives W the dany balenm of each segment. Then, we acid up all de deity ba m for each se ment for the ? p?clod and dvlde by the total basnp period. This gives us the .w, deny balance of each segment. 3. Annual PrerYga Rana IAMq. a. The term 'Annual percentage Rate' may appear as rates and mrreapardre ANNUAL PERCENTAGE HATES may vary gusrlenc not may I--. or decrease based n the stated iduxa, our foul in The WeN Street Journal, plus the mergln yrevhou sly disclosed to you. XTh***Inhg period changes covewill be a red by?vatsve ppee erte node atatM OOh6 bi rg In the maned January, April, Jumy and October. c. i the code D Write), F 11 me. LIBOR) or G 13 mo. LIBOR Repriced Mondiy) appears an the from of your armament nsxt to the perbdm urtels), the pen°dc r°tn and caneep-olk ANNUAL PERCENTAGE RATES may very monlHy a rosy imreese or decrease based n the owed Inclose, as fond in The W.N Street J-1, plus the margin previously disclosed to you. These damps. will be effective an the 9th day of your bllinp P°n°d each mash. s. Aneaaearr 1 es Lets, 0_60 read Bahamas! PsyarrM Fees. Your arrant will be essesaed m more than two of the lase listed here that occur during any Willing period. Under the temp of your Natamer sgreerfent, we reserve the right to waiw or not to asseaa my fees without prior no ificatbn to you without vaiving ors right to assess the same of shmNer tees at a lacer tine. fee 5.tR.aavMtN Ysa Asset. 11 a members he" 30 appsero an the from of this eiatement, days irons tie date this statement was malbtl to you to evald peyYg the fee or to haw such fee credited to you if you canc your scoot. Dump this period, you may cot to came your emast without having to pay the ='fy slmpby calling oN Cuatansr RelsNansDepanmTeti ga camel yosr'ccatrm, you must notiy us em aM psy yapxfe°) 'lbPno ro the the tNnw Belsree' M full end of bx z-Y-dathYeperiod 6. If mer You Chase Year Aeaaaaa. == to dose ypocar amen by caving osr aa uepanmon. You must deatroy your credit codls) and acco n access decks, mud a1 preauthodzed blffhg, and cease year accost. If you da het carhcol preeulhorixed nrsnpmments, we vat consider eceipt of a change yes aNhorixetln to mapn your until you Pay ay aerapy, your ascent will het lea dined an emoxea you owe us idtdrg; any uefaa arw yo au hove feel, retuned pnnc?e ehergea, Pas due other ft" payment fees, rash advance nce fees se and and any ny o offer ides eseened to your account. You are responsible lot these amounts whether they appear n your sccauht or the time you regnaat to close the eccoun or they are keurred stpequem to Mw-roppe t in aring on your accounts mm M t your amount if it he. already been dosed. Far example, It you authorized a purdase from a merchant end con feeeiw ft lre.aclbn f/alll ft merchant etat your auxaunt he. been dosed, your account win be reopened, the amount of the charge coati be added to your secant, amend hYbwe vWN mosporsollift bar payment. If them I. a for to W cM? rmd, to the car am peimM? fee wall continue M auxan It me Ma ban pea M iXl a deXned abaw. 7. ll.krgMYsv Aeswed.Your card or account cancer be N iecfln with my Warner gambling Ireneaof . B. I"-- Abaut 111-*-,, Desk ON dm. When you provide a cheek n paymsm, you euthodze us either to uae Mbnatbn from your deck to make of one-time electronic fund transfer Iran your be* account or to Infonetpay n e dock trarrsctin. When we . check electronic fund transfer. ffud. =yy be withiawn from your bank a- n set e. the serra day we receive r p*yow Xfhirhekl iatka receive your check Weir hen BILLING RI014TS SUMMARY Inn Case Of Enors Or Question. About Your Ball It you think your blN Is wrong, or if you read more intomation an a naflNctbn or hill, wme to us an a End. sheet as son as p ..Role at the addrose for irhgtridse sham an the from of 1N..atement. We must hear fear you no later than 80 day. etw we sent you the San bill n which the error or post lern appeared. You can can our Cuaterner R1r raerisr, hit dieing se will rah ppreserve yes nghta. M your btfer, giv'° us door felbwhg Mtomatan: your name and amount number, the dollar anhocan of the augected error, s des chit n of the error and an atplanstbn, It poesNtb, of whry you beneve them la an after; or It you reed team i.bna ° daacriptin of the tens you are uaure about. You do not hove to pay any amaun M que.llon w4ie we are Mworkiadre It, but you ro sit of ro pay the pan. of your bN(that are rat In qursetion. a we M re your question, we cannot report you n dalirhgtem or to any action to collect the amaun you questin. t,t Special Rule For Credit Cad Purdhase0 If You he a problem with the quatty of property or hest. tint you purcased sttlh a credit cad and you hew tried M good phh to correct rho problem writs the merchant, you may have the right no to Pay the resuming amount uxn due an the p y or services. You ou how this dYs protection only when the purchase grids was more thus iand the punia.e con made In your home sate or ",W, 00 Mies of your.nX eddtm. fit we oww or operate the merdhom, or if we maXed you the adve rtisement for the progeny or services, all purcases ere covered regerdese of amont or location of purchase.) Reese remember to sign all correspondence. t Doss not apply to consumer nn -credit card acmoms t Does not apply to bey su non credit card --mars Capital One supports Mbmanon privacy proteaim: sea our webehe at www.cephalone.com. Capita One in a federally registered service mark of Capital CCayila an ial Corporation. Al We reserved. ° 20LGLBAK Too. Qaa Psrbd. You wW lave a minimum grace period of 25 days without lirnee de an new purchosea, new balance travelers, new pedal purdases end maw other charnel if you pay your teal -New Balance-, in accardarhca wkh the knponnt Nmice for payrtante blow, and to time for it to ba credited by your next met- dosig date. Thore b m grace period on cash advencee aed pedal name M eddtin, there Ism Rram period on any transaction if you do not pay the toll New balance.' b, Aseraira In Charge. Transactions which are not ¦ilrm to a grace period one assessed if a damps 1) hoe tlhe date of the or !an or 2) from tba data the transaction is processed to your Amours or 3) from the last calendar day of the current hYYnliperod. Additionally, ii_yw did not pay the 'New Befenca' fens the previous bYYrg period M ii, finance dargse continue to accme to yauf unpaid balance until the upald baleme is paid M dad i Tali means n you mayy stn owe Xbeted on nsnce n ththe or even it you war the e antire New Referee Irhde f from of your NNemnt by the next atatemeM dosing date, but did not da se for the previous math. Unpaid 6name dhsgps are added to tie segmot of your Accan. t c. MrYac Htaas? each period that your asoNC ie act to a a A nsnce u cha Msrge, a nienxm fatal RNANCE CiIA E of 40.50 will ba imposed. 11 rho total to ince dalpe hew r horn the Wcartin of your parbde rate b ices Man f0.50, we will sdn Nd tat amoNm from the $0.50 minhrun and the dflerence will be how to the purchase sepnhofl a1 r accost. t d. Tetrparary Rdeahiw is FMse C jct. we reserve tla dqM to not oust any or ap 5neme charges for any given dMnY od. 2. AV= NhdaNar I. New Mahasesl. e. R- large I. cdaLted y mWiplvMg the daily balance of each segment at your amount (e.p., mesh ad-, purchase, special transfer, end pedal purobasel by the conespedirg dally periodb ratels) that has ben previously disclosed to you. At the end of each day duiq the bating period, we apply the dally periodic rate for each sephtem or your eccoun to the daYyy balance of each selpherht. Thus at the eat of rho bXBng period, vhe add up the result. or these daily calariniore to antva :V-,d. rhanc?e charge fear oath segment. We hreeulta from eadh segment to antw at the total generic Zy 6s?lan?ce chorge bar yon accent. ,Toova 9°rcake the the begi.ang for or yon eccaum baler Xnereencc=segment for each segrent and add my new transactions and any ppeedodo fiance ohorga calolatad n the previous day's balerhro for tat sepnerrt. We Men s:= any P.=" a eredls posted as of tint day that are an-o d to that asgmert. Tits galas us the separate daily balance :::9 ch seQrertt of your account. However, if you paid the Reforms slhovth n you previous erererrem in full for if your new balance eves zero or a credit emomt), new transact lerr Which P°°t to yon purchase or ppe 'at Purchew seOrernor all not added re the daily Wlamea. We calculate the river ego daily lea 0. by. dding bill he daily befencse together and dvidrg tie con by tat number of the days in ft current bXWg cycle. Too at. yosr total Iof y daMe' m your romp daily bolame by the a pedaic NN and Y the ns V r of days M the aYkg Period flue to raahdrg n a Lily bash, there may be a Wlyht wdanhe, berwen INs nkulaIf- and tat amours of Nname ecturaNy messed. b. It the code or N elrlrearo n the from or this atatement MM to 'Balance Else Applied To.- we mdddv the bperlard NMfea: Peymema you man to us will be credited m =:c= ea at the b t- daY we mceiw it, providaa It) Vou send the bottom pain of tale statement and your deck M the erubsed ronhinance envelope end 12) your peymem b rar pfooeesig center by 3 p.m. ET 112 - PT). Please enav at bas 5w IS) bueirese daysnbaron your gWrh poer'I dWvery. Peymama received by us at ny otler locattan or Iron ny otle, ton may not bides credited as of 1M day we receive tMm. Our brraken days all Mordey th rough Saturday, a hdlM Rem do rot use stapba, Paper cYw atm. wlhn Prperirg your :,=:h you send us ° dreckhe). You aNMrize us to make a ore-dims eledramc vanster dehh /k w. amount bar the amours of tat deck. TMs Mtarixatln °ppYea treceived du p the billing cycle even if some by someue else. If we cannot process the transfer, You authorize us to make a large agromat your bank account using the cheek, a paper drat or other ke nm m. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055.5189 ciwmwcw Richmond, VA Memo Date 11398 68.677/510 596855 07932 CJ W_ s W Z Do IS U CX :rj 4 Cardholder Signature u01139811" $:0S &006 4 48$:86 S 20 7 40 3 S 14 111¦ Account S Previous Balance $3,108.57 Payments, Credits and Adjustments $100.00 Transactions $304.00 Finance Charges $60.04 New Balance $3,372.61 Minimum Amount Due $101.00 Payment Due Due May 19, 2006 Total Credit Line $3,500 Total Available Credit $127.39 Credit Line for Cash $3,500 Available Credit for Cash $127.39 At your service T. nB Custom. Rdstiom or to report a It or stolen nrd: 1-800-955-7070 Send Psymeots to: Send inquiries to: Attn: Reminso« Pro ning CsPitd One, F.S.B. C.pital One P.O. B. 790217 P.O. B. 30285 St. Louis, MO 63179-0217 SLC, UT 84130-0285 PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 MAR 20 - APR 19, 2006 Page 1 of 2 Pmts, Credits and Adjustments 1 17 APR PAYMENT RECEIVED -THANK YOU $100.00- Transactions 2 23 MAR TIMBERVIEW VETERINARY DILLSBURG PA 3 19 APR CAPITAL ONE MONTHLY MEMBER FEE $300.00 4.00 Flrrance Charges Please see reaxne aidefar irnpartant information =1:0 1 1111lit Canssp?aawssIi,- lrace fPR PURCHASES $1,924.12 .05699%D 20.80% W.99 CASH $1,474.67 .05699%D 20.80% 426.05 ANNUAL PERCENTAGE RATE applied this period 20.80% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 3372610100000101007 Pear print m d,nd a1Lru awl vermeil rhmge helm mind bier or bLnE ink. New Balance $3,372.61 Minimum Amount Due $101.00 sweet Apt. b Payment Due Date May 19, 2006 City Snr< ZIP Total enclosed $ Home Phone Al-w Ph.- Account Number: 5178-0520-7703-5141 Emil Add,- #9011042891197329# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. Box 790217 4529 ROTA CT °i St. Louie, MO 63179-02 17 MECHANICSBURG PA 17055-5889 sill ulllrrrBills rlirlnllululr6lrl llurl,ulllru6{IId Ir.rliirr.IIIrrrrlrLdrlgill llrllllr161t6ur111Llna11111 Please unite yow aaount number on yow rlserk or money order made payable to Capita! One, F.S.B. and mail in the entlaed enw1ope. a M0 Z 0 1 i < _ mp in 1 m in < I to m T n 2 D nl a n 9 O O T F O 2 Q = o hi m r v $ Z _ y I a M m to m r ran n tafii films! f!! ffiiii!! 8 O m N? Purchase Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Are subject to yotr crept avallabiNty on the day Capital One process** your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher defau@ rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (6) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used to pay down or pay off any Capital One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. All other terms and conditions for your account remain in full force and effect. t a. Qaee Perhi. You will hove a minimu t grace period of 26 days widens finance charge m row purdusss, now balance imarmen, new .pedal porcheeee and new other chaF ea If you pay Your total "Now Balance', in eccordernce wIM the Important Notice for payment. below, eed in time far it to be credited by your new s marrem closing date. Thee Is no grace period on cash advances and .pedal tre nalere. In addition, there h no grace im d*d on arty u.Ion if you do ant pail the total ' New balance.' b. Arsang Fireman Chrrips. Tanamcdor t wiich an not sWject to a grace period aro assessed charge 1) ham the date of the vanactiah or 2) frofia1. data the vereemim is processed to your Accent or 3) from the Srn calendar day of the current baling dad. Additionally. If yyoouue did rot pay the 'New Balance' firm the prevhons Noun period in kA, Snares charges continue to accrue to you unpaid balance un l the unpaid balance Is paid In full. Thh means that you m• sal owe lien ce charges, even i you pay the amine Now Balance indicated on the from of you stateroom by the next s wrmsrrt closing date, but did not do ss for the preNas month. Unpaid finance charges am added to the app1Ma aeenem of your Aceeunt. t c. Militiamen Fine Orsr?efor each billkrp paled that bNkg dod covered by this statement, we take the begi belance of each seam each day, add any new transactions to each segment, and subset any payment. or credits. III the axle N appears an the from of this ornament new to 'Balance Rote Applied To; we also subtract any unpaid Ennn:e charge included in the balance of each segment.) This gives ue the daily balance of each mgmem. Than, we add tq all trio daily balancer for each segment for the baling =p ant divide by the total number of days In the dd. This given w the ave.gqee dally balance of each ¦egment. 3. Arwsl Ic-t" s Mtn IAPRI• e. The temn 'Annual percentage Rate' may appear as 'APR' on the from of this statement. b. If the code P Rmm1, L (3-mo. LIBOR), C ICenHcate, of th?? emem reext to the periodicaeteW, the periodict ranee and conespordrq ANNUAL PERCENTAGE RATES may vary clumsily rijow increase or decrease based on the staled Micas, as found In The Well Street Journal, plus On margin ppevounly disclosed to You. These cMrnpos will be afbctlve on the that day of your blfihg poled covered by your pedodc statement ending In the mmtls January, Apdi, Jniy and October. c. It the code D fRrrol, F 11 am. LIBOR) or 0 13 m. LIBOR Repriced Monday) appear on the from of Your statement new to the periodic ratels), the periodic term and corresoarnV ANNUAL PERCENTAGE RATES nay vary nonlNy a may increase or decrease based on the stated indices, as fond N The Want Stmet Joe msl, plus the margin previously disclosed to you. These congest will be effective on the Sent day of your baling period each mash. 4. Assessment of Las, Ovsrasl and nekmei Paysri Fw. two ar the tees Your account will be assessed no more than listed hero that occur during any bi" period. Under the temp of your customer agreemem, we reserve the right to waive or not to assn my fees without prior notification to without waiving oar right to assess the an= or similar ees at a later time. 5. Yatr i. If a mnmNenhip tee appears on the from rom this this statement, you haw 30 days from the dean i this staternera was gyred to you to avoid paying the e fee or to to haw w such fee credited to you ii you osncal yen acco rm. Dump title period, you may cefnkss to use your account whhoun havhg to PeY the memharaap be. To cancel you eccaet, you mhst notlty us by clang our Chstamer Relelfas Depamnen and p m?r'New Balance" in full (axdugg the fee) pda ode and of the iNny-dey period. S. N You Oro You Assnuri. You can request to dram your account by calling ow Customer Relations 0epanmen. Vou must destroy your c.0 canAm and secs"` access decks, cancel ant proaudadxed blNrg, end cease uWnp your aocasa. Ill you do not cacel preauharized ling erranhpsnehta, we win cmaider receipt of a charge your authorization to reopen your accent. Additionally, your accent will not he dosed umn you pay ail amounts you owe ns khduxlnnp: any =an mar you haw aurtMed, finance charge, Pont tees, ovedins lees, mourned psymem fees, cash advance has and my oast teas assessed to your accou m. You ale responsible for these amounts whether they appear en your sccasm to dose the accot or thay ..-1--,..-d==- to your to dose the accent. This may result in charges appearing on you scram after you haw your account it it has already been dead. For example, it you audodzed a purchase tram s nerdem and we receive the transaction tram the membent after your account, has been dosed, your want will be reopened, the amount of the dsrqs will be added to your account, and yyoouu win be respanslbh for peymam. If there I. a miefrrbetaihb fee tot your ecceutt, the tee will continue to be cemd, ur the emem pemWtd by few, udB Me asxaun b once hest been Wld in kit as deBnd above. 7. lhYla Vw AsswM Your cam or acaastt cannot be h cervhaction with any memo gambling transactions. 6. Nation Afsa Elssbeas Cheek Onawain. Whon you provide s deck as payment, you aulodze ns either to information from your deck to make a one-time use elamwonic hand transfer from your bank actroum or to we procssa the payment es a dock trs aactim. When use inbtmat from yea deck to make an eledomc pad trimmer, pods may be whi drevm hen Your bank accord as soon as Iha same day we receive your payment, and you will nun receive your check beck from Your financial institution. BILLING RIGHTS SUMMARY (In Case Of Bross Or Ouenlons About Your Bill) If you think You bill is wrong, or if you red more information on a transaction or bill, wane to us on a aepente duet as soon as poplhle at the address for Inquiries shown m the from of this aeemsm. We neat hear amen you no later then 90 da?yp aMr we stem yw the SM bin on wMch the error or Pneetsrn sPFssred. You con call car Customer Relations nmbef, bu dokg err nth not serve your rights. lo your letter, give os the fdbwkq Pmreometion: your name and account amber, the ddhf amount of the suspected error, a description of the error and an explanation, it pal,, , of why you bslinve there I. an error; or it you need more Init marmn a description of the item you are unann about. You do nut haw m pay any emomt inwile we are Inviternp it, but you are UPI obi parted to pay tie pane of your bgl that are not In question. WHIO we Inca ndgme your question, we cannot sport you as dslkhgosnt or to my action to collect tha amount you queadm. t,t Special Rue For Credit Card Purchases It you haw a problem wAh the quality of property or services that you purchased with o credit cam and you haw triad in good faith to cameo the problem with the merchant, you may haw the right rot to pay the mmsiring amain due on the p theny or services. You haw this protection only when purchose yrice was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing addrs. Ili we own or operate the merchant, or if we maked you the advertisement for the p ny or services, all purchases are caveed no .111 w of amain or location of purchase.) Please remembe to all correspondence. t Does not apply to consumes non-credit card acaomts t Does not apply to busimw non credit cad accounts =One sppons Information privacy protection: see our at www.os alana.can. Capital One la e y rrered service mark of Capital One Rnencial Corporation. I right. reserved. a 2003 Capital One 01 LGLBAK total gnha.7 )he reshing tram the aooSaation of your periodic tele) h ass than 10.60, we w1B subtract tint amain from the $0.60 minknun and the difference wfil be billed to ds punhsse w?rant a r account. t d. Temporary MtWtlem in FMnes surge. We reserve the right to rot assess my or all finance charges for any given bRbng ppeedi?ed. 2. A= eslar. IkrkrinE Now Pu dr-l. . Rnance charge h canoe, 61' mull the daily of each segment of your aCeam (e.g., cash advance, purchase, We" mater, and special pum hem) by the corrosperndkhg daily periodic retain) that has been rq viously end he baling pdie reapply the ddMly periodic rateey fordueadi , we segment of yen eccotart to the daily balance of each segnem. Than at the and of the bN g period, we add up the rewlu of these doily calculations to arrive a your periodic finance charge br each segment. We add rp the rentals from each segment to arrive at the total perbdc finance charge for your secant. To gat the dallyy ba?lan?ce for each segment of your accman, we take the osgifnsq balance for each segeMm and add any new tr ? ctbns and any ppeedodhc riurrce charge calculated on previous day'. balance for that segment. We then subtract any psymsms or credita posed as of that day that are allocated to that segment. This gives he the separate daily balance pent the for each segment of Vote account. However, if you New Balance slows on you preview statement in its less if you new balance was zero OF a credit amsem), new transactions which post to your purchase or spacial purchase segmanto am not added to the doily balances. We calculate the swinge dolly bane by adding all tha daily boraces together and dividing the sun by the number of the days in the anent billing cycle. To calculate your total finance charge, multiply yen awrogo daily belarca by the MEy periodic rare and by the number of days in the bi" padad. Due to raerrdng m a deSY basis, there may be e sfigitt cadence between 1Ns =colon and the amour of finance charge actually assessed. b. It the code Z or N appears on the amen of ft" statement now to "Balance Rate Applied To,' we multiply the Isrprt=NsNse Paymera you mail to us will be credited to your account as of 1st business day we receive it, provided 0) You send the bell= portion of thin matemem and your check in the enclosed rermmltonnce an alz sed (2) your payment is received in our g : rg center by 3 p.m. ET 112 nom PT). Plesea allow at lees five (6) business days for postal dall payments n olwd by os ar any nmhar kcation or kh my other form my not lea credited as of the day we, receive them. Our buakess days are Maley through Saturday, excluding MEMya. Keefe do not use wpbs, paper die ec. wUerh Drepadrg your pa em. When you send tm a deckle), you authorize us to make a one-time electronic transfer dart from your bank secant hr tha emoup of tha dsek. TNf audedzadm epplea to ail decku recdwd dump the billing cycle even if amt by someae she. If vre carrot procs the tremler, you authorize us to make a merge against your hank account using the deck, a paper draft or other item. t 201766 - 11395 68.677/510 201766 Y 07912 V W $? x U W Dollars S CAPIWOW -- C5 Richmond, VA a Cardholder Memo Signature 01139511' 1:05i006778l:865207703514111¦ Easy. Convenient, NO Page 2of 2 TRANSACTION You deserve hassle-free financial tools. So to make it as easy as possible for you to access your account, we're pleased to FEE offer you these no-transaction-fee Purchase Checks.* You can use them wherever personal checks are accepted to: • Get cash for things you want and need • Use them where credit cards are not accepted Remember • Buy something special Your Capital One° Purchase Checks Purchase Checks come with the same rate you pay for expire May 31, 2006. purchases you make with your card. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. . what's in your wallet?` ' Please see the Important Disclosures on the back for the terms and conditions for using these checks. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 Date 11396 _ 68.677/5io 203766 07932 V W Z U S? W Q x Dollars CAPhWCW Richmond, VA Memo Cardholder a 1011396110 1:0510067`781:136S 20 7 7035 i4 loin KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055.5889 Date 11397 _ 68-677/510 201766 Y 07912 V W Z V S ?? W Q Z Dollars W One Richmond, VA Memo Cardholder Zi a 11'1139711' r:0 5 1006 7 78i:8652077035141n1 KAREN HARBOLD 4529 ROLO CT Date MECHANICSBURG PA 17055-5889 M SEEMS MENEM M 0 1 9 m O n M ?s N M l M ? m m m r o zs D ?0 ° ?o a 0 s r a0 O p 2 m m n m O 0 y 0, 9 Z S _ ur r m_ O * Z M IMPORTANT DISCLOSURES Purchase Checks: (i) Will be treated as purchases according to the terms and amendments of your Customer Agreement (z) May not qualify for reward programs. (3) Are subject to your cwt avaibdblty on the day Copkd one protases your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (q) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check Is processed. (5) WAR be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used to paydowrr orpayoff°anyCapitalOne account (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. All other terms and conditions for your account remain in full force and effect. C 1006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. -A M m 70 r a 9 O Nm O ~ m 31 A li n < m -n m D v o g ? O p Z m Z r O N a Z 2 m O C rA m r O n F M T m ? VZ Z M O N m O T M a 0 0 T )• Z 9 D O 0 o s O = y m D -40 A C O a O J N O y 3 0 C ? 1y1 1 0 y Z Z O O 9 N M X M M M M Z O O 9 w m x M m m Z O W CF) M m M t KAREN HARBOLD 4529 ROLO CT MECHANtCSBURG PA 17055-5889 Date 11438 68.677/510 596971 08057 l 7 W_ 5 u W H Donors Z u oc a C--#PMNCW Richmond, VA Memo Cardholder Signature 0114311110 1:05i006778$:8652077035141110 Account Previous Balance $3,372.61 Payments, Credits and Adjustments $300.00 Transactions $4.00 Finance Charges $55.89 New Balance $3,132.50 Minimum Amount Due $93.00 Payment Due Date June 19, 2006 Total Credit Line $3,500 Total Available Credit $367.50 Credit Line for Cash $3,500 Available Credit for Cash $367.50 At your service To ca0 Customer Relations or to report a lost or stolen wd: 1-800-955-7070 Send Payments to: Send inquirin to: Attn: Resin-as P-.ing Capital One, F.S.B. C.Pitd One P.O. B. 790217 P.O. Box 30285 St. Louis, MO 63179-0217 SLC, UT 84130-0285 PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 APR 20 - MAY 19, 2006 Page 1 of 2 Payments, Credits and Adjustments 1 03 MAY PAYMENT RECEIVED -THANK YOU $300.00- Transactions 2 19 MAY CAPITAL ONE MONTHLY MEMBER FEE $4.00 Finance Charges Please re rearm fiyy&..* important infinnattiionn• g Bat rare Ps-d. C APR?g ?lsr. m yytvdte rate N PURCHASES $1,760.32 .05767%D 21.05% 170.46 CASH $1,469.98 .05767%D 21.05% $25.43 ANNUAL PERCENTAGE RATE applied this period 21.05% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 3132500300000093009 Pkw,trmt,,odmg adi-any r-madrbanger ketom wm, kku w black ink New Balance $3,132.50 Minimum Amount Due $93.00 Payment Due Date June 19, 2006 Total enclosed $ Account Number: 5178-0520-7703-5141 Capital One, F.S.B. P.O. Box 790217 St. Louis, MO 63179-0217 ?r??uu'Iuull'url'rlul'uurltlur?l?nnlur?llur'rlln' Smem Apt A City Sam ZIP Home Phone Almrn.m Phone #9014042891197326# MAIL ID NUMBER _ KAREN HARBOLD m 4529 ROLO CT 'O MECHANICSBURG PA 17055-5889 e ° ? 'utlflutlllualrlulrlu?t?rlulrlu'r?rlnnlr'Irluut?'I r Pkwe roriteyotw account number im your check or money order made payable to Capital One, F.S.B. and mail in the enclosed a tape. a M0 m= m C M i < dE M a, Om xy T )/ D 9 77 n M r -0 N ? 1 m C p C m r - Z im- SIMMONS SIMMONS i SIMMONS! f? O O O ?m N ? ro? N? Purchase Checks: (t) Will be treated as purchases according to the terms and amendments of your Customer Agreement, (2) May not quality for reward programs. (3) Are subled to your Crack avaWMMY on the day capital one procese" your check. Please be sure the total al your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate it your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) Will be returned unpaid and you may be assessed a Returned Check Fee if the creditis unavailable or your account is not current as stated. (6) Cannot be used to pay down or pay off any Capital One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Quality as using your account. All other terms and conditions for your account remain in full force and affect. ta. erase psM. You will have a minimum grace Period of 25 days without Meroe damp on new purchases, new balance tronstme, now, ape" perdasss and new odor char . It you pa r tow 'Nnw Balance', in it. with knwttrm Notice tot p yments below, and in time for it to be credited by your note atetemem clbatq date. There is no grace period m cash advances and special t1malms. In sddhkan, them is m grece pencil on any transaction if you do not pay the total 'New b. Asa ft Flosse choose. Transactions which ere not sublein to . gram a of the i?ransaam mosamsed ction or 2) from he date the ) f the dat transaction is processed to you Account or 3) from the first calendar day of the current bUr!p Additiaefiy, 1_yyou did not pay nha 'New Balance from the previous heitxg period I. Mill, Maraca charges -I*- ro acme to your unpaid balance uea the upset balance Is paid in ha. This means that you mayy n?Bl owe BMnce charges, Bran it you pay the emlre New Banathca Indicated on One from of yam slnamam by the next Statement dosing dens, but did not da so br the preview mormh. Unpaid Lmroe charges are added to the aegram of yout Accent. t e. M$ r1 FN Otoo/s. For each Ngbq Period that you seeoam leet? oil ro a thence dregs, a mkhknun toff FINANCE (31AHGE of 40.60 wit be imPOSOd. 11 the total finance Charlie rewdtlq tram the soolcadm of your pedodc retch) is lea then i0 60, we will subtract then amain tram the $0.60 mlYmun and the diflimnce wIlI be billed to the purchase ? ol?your aeceuN.ress I d. Te merry R,*,,,. U ri 4Y1ooya. We rve the dirt to not assess any a NI thence chagn for any Own billions dri?ood. _) 2. a Finance, Awriallis chow Is ?tskcok-dated ira by mNew uldplyiq the daily balance of each segmew of your accent (e.g., cash adwom, purchase, special transfer, and special purchase) by the rnnepadng daily periodic rafe(-) that has been previously disclosed to you. At the and of each dadu the Ntkq period, wo apply the doily periodic rate for eat segment of your accent to the daily balance of each segment. Than at the and of the belong period, we add p the rests of these daily mWeders to arrive m your periodic Lance charge for each ¦epmate. We add up the results from each salmons to endue m the total Periodic f- charge far your accost. To get the dalyy bslarhca for each sepraa of you account. we take the 6eglroirg balance for each sspnmen said add anr new tr"est"les anld any periodic trance throe calotAated m the previous day a balance for met segment. We then subtract any payments or ofadite posted so of thin day that are allocated to that se(plsd. This gfyas w se separate day balance for ssnh ssemenn of your account. Howavar, if you ppe?nt the New Balanc?e Hewn en your preview saemant in MAI (or if your new balance was zero or a crodit amoustl, maw transsatbra which psst to yon purdese a apads micutme sessions, am net added to the dally the age daily balance by addlg 8N0tthedoily balances together and dividing the man by the number of the days in the current trials cycle. To calculate your total finance charge, multiply your average doily balance by the day pedodic rate and by the number of days In the billing part . Due to raaxMq m a day basis, there may be a aria variance between this calculation and the antrum of finance charge acttwly, assessed. b. It dot code 2 a NRea Apdbd appssm m the from of this memoriam nom ro ' Brio nce To,' we multiply the beNrrarw balance of each segment asst (fey, add my raw trares one to each sepmera, and subtract any pa Mo or credits. (R the code N sp= m its from of Mt statement next to "Belem, Aste Appiad 70: ire abo subtract any unpaid Amore charge Inducted In the balance of each se?r?ent) This gales us the daily balance of each aepnem. Than, we add hp all the daily balances for amen seprent for the blame ppsscod and divide by the total number of days in the bNlrhg period. TNs gives us the eveaps doily balance of each segment. 3. ImsamiPreooMgs Room IAPRI. a. The tear 'Annual Percentage Rate' may appear as APR' on the ham at this statement. b. It the code P Mime), L 13 me. LIBOR), C ICemficrea of Deposit), or 8 (Bank-lit Pans) appesm m dot non of ttls statementenspeoer ?to qthe periodic weis), the periodic rates and canesporrArq ANNUAL PERCENTAGE RATES may very purtedy std may I--- or decom. based m the mated Indices, as foul In TM Wail SVnt Jounal, plus the margin yVreviouooly disclosed to you. These c he will be fbctlw , the )rat day of your I= po months tted rx "ed 4 your pWdyr>cmtatemrd andkhg c. If the code D (Prime), F (7 me. LIBOR) or O 43 me. LIBOR Repriced Mortality) appsse on the from ot your .... rod to tha periodic razed), tha periodic rates and uwrrssoonhdrnc AIRa1AL PERCENTAGE MTES may vary nhamiY may inc?reaN or daCmm bated m the stated indices, as feed fen The Wavy Swat JoanN, PIne the m %n previatly disclosed to you. These changes will be etfeetlw m dha 1M dry ot your bHft period each mash. 4. Assassmme of Late, Ovmlai well RAend plasmas Fam. your account vAIl be assessed - more thin two of the two limed ham door occur during any Whit; period. Under the tense of youF customer agreement, we weans the right to wafw or not to asssss etry less without oleo nodlcatian to .rou whlreu walvinn ass nail to a- the fenre or simian JJsea at s late time. 6.lRrrsNUa Yea Wig a membership tee appears an to from of this statement, you have 30 days from the date the sentiment was mailed to you to avid paykq the fen a to have such fee credited to You if you 01111-1 your accost. Oreille this traded, you may continue to use your accent without having to pay the membaro ip fae. To eancal you ascent, Yon arm notify us by "MV our Customer Rated. Deparm. and wY your New Balance' In fire (ex doang the menhbeosYp ios) PrWt to tta end of ma =vly day )edod. A. m ysr claim yen Aaesssi. yid can mosam t to close your aoxoam eY cagingd ::=a. r air rtment. You stem fN and Depa account access lacks, cancel all prafuthorized bOV, snit cease uYp your eoxxaurm. It you do not urncel greautlwdzed eRkq ertengamame, we Pelt crosdar mmipn of a carpe Your nmhonzatim to reopen your accoud. Additionally, your accent wit not bo theca until you pay at amounts you owe us Incas": any , peat transaction we haw authorized, fnsnhca efess, eergss due tees, owriimit fen, returned wymsm ach advance tees and any odor lent assessed to your account. You are refpa ilble for dome amounts vdatho they appear an your account at the time you request to close the accent at they am khcumed stbssgustm to your repeat to dose the aceouM. This may roost in charaea aressit_ m vea socemn afim you tow your account H II Me seamy Dean comm. Far exampre, if you authorized a purchess from a marcher and we ?..a" the traraacdan from de members after your acceam has been closed , your account will be reopened the amount of the ChotsVWN be added to your account, , and yyoouu will be resPerWae for p yroom. If there I. a membe fee for your accent, the fee will .1- to be chsro?, to the edam @emimed by law, -0 the account balance hss been Peal in full a defined show. 7. Ilairr You MasaK.yaur um or amount cannot be u M cernhectbn wM any internal gambling tronewias. 8. Madam Alms Elmo ede Ohask Orwar ton. When you provkb a deck as payment, you mehorize us amen to one Infamotion from your check to make a one-time ebctronlc fad transfer from your bank account or to process the payment as a clack treasctim. When we use Information from yaw check to make an electronic had transfer, funds may be wit drawn from your bank account as coon es the same day we recolw your payment, and you will rot mcoiw your check back from your financial inretutim. BILLING R1014TS SUMMARY On Case Of Errom Or Questions Abair Your Bill) If you think you bill is wwq, or 11 you need more information an a trasactim or bill, wide to us on a separate fleet as soon u passible at the address for Inquides Hewn m the from of this netemem. We must hear iron you ns Inter than 80 days after we rat you the that bill an whbh the error or problem appeared. You can call our Customs Wad" number, but dart so will not preserve Vote A". In your fitter, gale m the following mfomat)m: your name and account as bar, to dollar errant of the suspected error, a description of the error end an a ommim, it possible, of wipe you bellow he o;s an error; or if you reed more inbrmadah a defy the hem you are teases about. You do not have to pay any amour Inqiere inn while yve are investgltlng It, bun you ere ftiB oblltrted to pay tha pans of your bit that are not I. q.. than. a we MveWgne your quesdm, we cannot report you as deLpuem or take any action to collm the amour you question. t,t Special Rise For Credit Card purchases It you have a problem with tiro quality of property or sonticef than you purchased with a credit cam and you haw tried in good faith to correct the problem with the merchant, you may haw the right not to pay the renuining amount due on the pr y or ferwces. you haw this mteclbn aiy when tM se was more than .60.00 and tta purchasspeyyarm in your home state or within 100 nlfiss of Your malWt address. (If we own or aperefa the mereham, or it we mailed you the pundaaes edwmsertmt far tla properiy or ssnAces all are covered regardless of a nont or IOmi- at Perohass.l Please remember to sign all correspondence. t Dees of apply to consumer trim credit card --ft t Does not apply to business nor credit tend accounts One supports Information privacy protection: see oust at nYW W.ccssNd/kdhe.Cem. One is a federally rrated service mark of Capital endel Corporation. ATI rights reserved. s 2003 One O1LGLBAK Mparlem NsWe: Peymema you ma to us will be credited to your accent as of the buskass day we receive it, provided it) you send the broom portim of this rearmament and you deck In tha encased remlrtence anwope and 12) your peymant I. received In our processing comer by 3 p.m. ET 112 nom PT). Please allow at best Ilya 16) business days for postal dowry. Payments received by us at arty other location or in any other to= my not be credited as of the day we mcet- them. qu hu k- days ate Monday through Saheday, excluding hdldew. hat prapadrhp Your w?+t"m r- el send u the filling cycle you vin if sus to male a onetime electronic Pansbr "t man your bank Please do not use suples, paver 2r. . Its far the amour of Ma cTile autferindm ss to 1 decpad du dn by someone else. If we cannot recess the transfer, us to make a charge against your bank accent using the deck, a paw, draft or other Item. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055.5889 113W Richmond, VA Memo onI143Son 1:05&0067781:8652077035&4&11' Easy. Convenient. No Transaction Fee. Page2of 2 You deserve hassle-free financial tools. So to make it as easy as possible for you to access your account, we're pleased to offer you these no-trarisaction4se Purchase Chub.* You can use dtlem ..for your home wherever personal checks are accepted to: Prepare get cash Coefrol consolidate bills Don't Walt! Your Capital One• Purchase Checks Bet BeieB tackle home projects expire June 30, 2006. Use them today. Even better, these checks have the same rate you enjoy for purchases made with your card. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. G* what's in your wallet?* * Please see the Important Disclosures on the back for the terms and conditions for using these checks. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 37055.5889 Ca,plMaelpira2' m Richmond, VA m Date Cardholder Signature 11436 Date 68-677/510 '- --- • -- -- ---? 01789 yC Cardholder 201789 - 11435 68-677/510 201789 be 08057 V W $? Z v W H Dollars Z Q OC a 08057 Q W Z Q W h $ Q Z Dollars ce CL 11'1143611' I:05&006778i:865207703514&11' KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055.5889 Date 11437 _ 68-677/530 z0178g Y 08057 V W Z v S? W Q Z Dollars Z3 CL C-IV~GW Richmond, VA Memo Cardholder 111&1437110 1:05 &0067781:865 2077035 &4 &nO T O D O M My a M z N a M T m < !p m O ?> Z i s D o ° 89 o 9 a O y = -1 m m O C r -i a fn O ? Z M Na ? m= ? *z m tttl? I? t! t'! II? 01 N .- m Tm N IMPORTANT DISCLOSURES Purchase Checks: W Will be treated as purchases according to the terms and amendments of your Customer Agreement. (z) May not qualify for reward programs. (9) Are su t to your credit awNebgity on the day Capital One processes your check. Please be sure the total of your ch cks, transactions and fees does not exceed your available credit line. (p) May not be processed or may be processed at a higher default rate If your account is not current p.e. restricted, past due or in collections) at the Um a check is processed. (5) MAU be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6 Cannat be used to pay down or payo ffanyCapital One account (7) Cannot be used by authorized users. And authorized users cannot request transfers. (B) Qualify as usingyour account. All other terms and conditions for your account remain In full force and effect. O 1006 Capital One Services, Inc. Capital One is a federally registered service mark Ail rights reserved. T O n' 9 O O M D a ? °m' m v i T m a m 9 > D a ° n n o ?w o zz M m ? M r 19 u a 2 m <7 C . y m mr o *m T m ° m a H 9 m = m O v? m a m m a m r ? O > ° 0 D 9 sea 5a o m 'zz Ni m O 1 O y m O 0, 2 = C tp n n m r rm t / First 3 months half-price 97 . tl 4 SASNmo. Mummer u$$kMENAi-'.; +V:Ia t SM UP TODAY! ' 1-877-7784207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal CRO Account Sum Previous Balance $3,132.50 Payments, Credits and Adjustments $250.00 Transactions $4.00 Finance Charges $56.00 New Balance $2,942.50 Minimum Amount Due $88.00 Payment Due Date July 19, 2006 Total Credit Line $3,500 Total Available Credit $557.50 Credit Line for Cash $3,500 Available Credit for Cash $557.50 At your service To ca Customer Rdations or to report a lost or stolen card: 1-800-955-7070 Send pqusents to: Send inquiries to: Atts Remittanm Promos- Cap" One, F.S.B. Capiul One P.O. B. 790117 P.O. Box 30285 St. Louis, MO 63179-0217 SLC, UT 84130-0285 Inluortant Account Information Take control and start paying your bill online for free. Eliminate the hassle of writing chedu, finding stamps, and sealing envelopes. Everything you need to access, review, and pay your bill is available online. Our website offers you a convenient, simple, aid secure way to manage your account. Visit www.capitalone.com and register your account to start simplifying you life today. peoplepa- online u A better way to Intemet. PeoplePC OnNne offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerTM `ll?r Spam Controls dw Smart Dialer ®? More Email Addresses ® Internet Cali Waiting PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 MAY 20 - JUN 19, 2006 Page 1 of 2 Payments, Credits and Adjustments 1 12 JUN PAYMENT RECEIVED -THANK YOU $250.00- Transactions 2 19 JUN CAPITAL ONE MONTHLY MEMBER FEE $4.00 Finance Charges Please see remrse ridefor important information Baknrr rak P-Ac Cara Jim I a/y/irJm car .lPR d ?'{!AK? cmv PURCHASES $1,614.16 .05836%D 21.30% $29.20 CASH 61,481.39 .05836%D 21.30% $26.80 ANNUAL PERCENTAGE RATE applied this period 21.30% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 2942500250000088008 New Balance $2,942.50 Minimum Amount Due $88.00 Payment Due Date July 19, 2006 Total enclosed $ Account Number: 5178-0520-7703-5141 Pkasrprwi areilinr aJdm scud r-meilrMsdn brl -Mr 66u or bLrk inl: stt"t Apt.I City Sate ZIP Home Ph- Alternate Ph.. #9017142891197321# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD P.O. BOX 790217 111nrre1511111tns? 4529 ROLO CT St. Louis, MO 63179-0217 m MECHANICSBURG PA 17055-5889 I.Ilunl6nslllur11 1 111 1611116611 111 1 111111611111111 1 Lndllndlleor6lnLlnnLldtdnLrlrLlnnLlLLnndll Pkase rarite your account number on your check or marry order made payable to Capital One, F.S.B. and mail in the endured enoeJope. r peoplepcrx online Ni..? A better way to Intemet. UNLIMITED INTERNET ACCESS SM 1P TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.poopl%pc.com/go%opal afiaam g o ; O a_ mo 1. HM To AMY A Palanea'ana'N. t a. prase Period. You veal heve a mksrrtum grace period of 25 day. without Srence, -hinge on new purchases, new, balance trmalem, new -pedal Wed. es and rmw mher charge. If you pay your 10181 NOW Balance', in aacotdenee wit. the fmpotram Herice for payment. below, and in time la it to be credited by your next statement cloalmq date. There is no grace period on cash advance. and apetdal hepalem. In adcdm, them Ili ne grca period m my vaswcNn it you do nor pay the total 'New bwl uimg Fylwas Citou1M. Tuneactiae which lire not b. Amusing strhfsd fo a gam period are assessed finance charge 1) frtm the doe of the traosactbn or 2) from the dam the PWPIePC IS solely reeptx"for le offs, and is not affialed with Capital One. Capita One does not provide, endorse or guarantee, and is not stilaled will my pmdud or service ahem here. Any trademarks mentioned herein are solely owned by the respect" arldty. All rights reserved. By mopomitg to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. •PeopW Accelerated: First 3 months of service are billed at $4.97 a month; $9.95 a morah thereafhL 12-moll commitment required for Pacci Acoeler red. Mal-to-kbrdh pricing with no term commitment is 414.95 for PeeplePc Accelvai 491 for PeopkPC OelIne wood xcelemta technology. Offer available to new dial-up subscribers at Nast 18 years of age and may not be redadned with any other offer. Offer subject to change at any lime. Phone technical support sv&W* for 41.95 per minute. iWdh peoplePC Odbm Accelerated, claims, Web pap test and graphics A load fa aar when co ipated to standard dial-up Internet service. Actual rm* may very. Service not evaiNble in dl area. Access leas, taxes and ether fen and reebie6ar may apply Phone tadfrical support revalabN for 41.95 per minds For questions, to toll-hoe at I.886.57fNOW. 02066 PmpIoPC Inc. PsopleloC Ovine and fie Peo*PG Logo are regeldrad trademarks of PeoploPC, Inc. Trademarks are properties of their respective owners. All Rights; Reserved Service not aw"o in all areas. Access lees, taxes, and other few and rabictons may apply. Telephone too dlarges may apply, liver during bid porods. You we responek48 to determining whether a call to one of our eoceae numpene will mm* in telephone toll charges. Access may be IYmted, especially during time of peak udege. Dal-up mmbers my be changed g PeoplaPG's dxrlticn. Continuous use st0iect to Smeout procedures. AN use is stbi to Pao*K OrAne's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeupbPC Inc. AN Rights Reserved. PeoplePC Online and its logics are trademarks of Pn OOK in the U.S. and other countries. 02006 Capital One Services, Inc. Capital One is a federally reghill service marls AN rights removed. III ppesriod covered by this statement, we mks the begirwng belmce of each segment each day, Odd any new transactions to each segment, and subtract any Vsymenta or cmd1m. (11 the code N app.. on the fram of IN. statement nnn to 'Balance Rem Applied To,' we al. subtract any unpaid finance, charge included in the balance of each segment.) TWO gives us the tally balance of each segment. Then rre lad tp al1 fhe dallyy belarcee for.ch segment for the burp perod and dvide by the total manber of days in the baling period. This yvea um the average daily balance of each segment. 3. Napa Msanaap Rams fAFRI. e. The tam -AnaW Percentage Par may appear es APR' on the tram of this statement. b. If the code P fPdme), L (3-mo. LIBOR), C ICartill of n eiemem note to mw periodkei (s)), thrho from Of e periodic mes and cormaoardtq ANNUAL PEI)CENFAOE RATES may very real., a may inereass or Ncroass based m the noted Indicas, as round in The WaM Silver Journal, plum the mardn ppmvioaly disclosed to you. These chapati Wfi be effeetlve on the first day of your blfiirg period eoverod by Vour Periodic ast.wm eMrq to the memha January, April, Judy and October. c. It the code D (Prime), F 11 me. LIBOR) or 0 (3 mo. LIBOR Reprice Moroi =am an the tram of your statement mad to the Part (also), the periodic rm. end corresponding ANNUAL PERCEWTAOE PATES may very monddy s may irwreeso a decrease It .e on the rimed imam, es bead d Tba WsN Strver ?o.'W' pie the ... provbusiy dsdaed to you. Those dergss will be etlective m the float NY of your beNng perod each month. 4. Assessment of Let-, OvaMtfi and RMeoed Psynrant Fsss. two of the fees You exam will be assesae no mom than line here that occur during any bO ng period. Under the term. of your cwmmsr agreement, we reserve the right to weWa or not to amess my teen wither prior rwdacsnon to without welvNtg our dght to assess file "in or almfiar ties at a laror rime. 5. mswr. You A.asnsta. It a mamberaldp fee eppeam en dos tram of thin ststttment, yW have 30 days int. the date Mis statement was mdbd to yW to avoid paying the tee a to heve ardn tee credited to you if you cancel your aazam. Dudnp olds peri it, you may continue to we your acmes Wit.. hsV4V to pay the me obeMip lee. To catco your accauam, you mnpt notily us by calkrg au Customer Raisdone Depammem rid pay you 'New Derelicts' In hst (excluding de memem, p ms pda to the ad of the Army day patted. 6. N You CYss Yar Aasouas, YW -m rogcest ro dose ==Y- e mer Rolatbne rentat l destroy your erect cadN} lard account access chocks, canesi as preaothedzed billing, and cease ushq your ac.um. It I I not cancel pmamlrft balitq snsonpanwnts, we wall consider recelpt of a charge your authorization to reopen your accost. Addtlaully, your axacnt wet not be dosed uttfi Yeu pay tie am0u.w yen one w kdudnp: e'ny transactions you have authorized, finace charges, past due fees, ovedin t tees, mtumed P-Wwm tees, cash edvatt. fees std smi odner Ms ='.=r accocm. You aro repadbla 1-0, anther "hey appear en your account at the tlmm you request to etas the n-coun a they are ifwne nLoegtwm Ao your request to dam the steam. This may result in here aaeame on veur acooi after emu he" your account it it has already been dosed. For example, if yW euagdzed a purchess tram a marchers and we racetve the irsrnea-t1011 tfdn the merchant otter yen accent has bear dose, your aced will be reopened, epsuit lea added to your aocaunt, the arnnst of the chart =r I" he aae for p.ymem. It them is s stdP 1ss br your account, the tae will continue to be -harped, m the seism gamma by law, udl the account balm. hma bees pees In kdi ss Nfined Nwve. 7. 11sYta Ywa Msseout.YWr cad or --cant canna be wed-M .rstectian wmh my Internet gsmbNrq Immeactiam. S. Mod" About fNawsrds Cheek iLaasNn. When you previds a check as payment, you audwdze w enter to information iron your deck to make a owe lime use electronic had transfer from your bank account or to process the wwnent a. a deck trarwnbn. When we use Information from your chock to make an elemraic kind tranetier , kinds may be withdrawn Iron your bank account s. soon as the sear day we receive your payment, and you will rent reti your deck beck from your enimireftrutical. BILLING RIGHTS SUMMARY 'In Co.. Of Error M Qumstioe About You Big) It you think your bill is wrong, or If you reed more Intimation or a transaction or bill, wee to w on a aepame sheet as soon as possible at the address for irpu rise moves m the fram of this stationers. We mwt hear flan you ne Ister than BD days attar w. slam you the and bill m wtdch the error orwlrber, bra dolrrg sD pnabfan apWared. YW can call Wr Customer Relations m will net preserve your rights. In valor Moen, gale w the following Informed- your name and account number, dire dollar amaue of the suspected error, a description of the error and an explanation, 11 possible, of wit.}Y you beNeve diem t. an error; or If you nee more Inforan a description of the item you am unsure about. You do not he" to pay any amount In while we are investdnke R, but YW are stR red fo pay the pens of your dR Mat ere rout In Wooden. ewe n'=1e your question, we carrot ,Open t You as ankmquent or take arty action to collect the you t,t Special Rule For Credit Card Purcheaea If you have a problem with the quality of property of aavi.e that you Purchased with a credit cad and you hove tried In good fehh to correct tie problem with the merchant, youy may how the data not to pay the temaining amount due on Itte me mom than praecson rmffns purcheheienu x purchase, you home ahem or 50.00 and within 100 miles of your malfirrg adtkess. ill we awn or operate the merchant, or if we mailed you the advertisement for the property are ssrN.s, as purchesss ere covered regardless of amaan or location of pumdwae.) Plaase remember to sign all cormspondawe. t Does not apply to consume, ran -credit card alcv-ts f Does not apply to b-Mires; non-credo card accomts privacy protection: e. Wr red service mark of Caphal ma reserved. a 2003 OILGLBAK yousr unpaid balance until the unpaid balance is pad In full. masse that you may wish owe 9osnce derges, even if you pay de and. Now Balance indicated on the stun of your statement by the nom aaromem dealing date, but old not do a0 IN the Pmviow month. Unpaid finerce charges em ad dedto the ppppNNeea? segteM you Account. c. bMwm Nail is tag o of each baofi r parcel 1Mt t Aaalr Fl I E CHAR .I $0 50 will be?Mpoesd. H the a total firrnce dosrys resulting from the a catlon of your periodic meld is leas than ad. 50, we wWtrad that .. ire the 40.50 minimum and the dimtence sum he bled to the purchase weprnar?t of a-canc. t d. TatrMwray R.auern in FMe. Gettig. we re.ene the dilm to rout asses limy a as finance de%. I.. any glum 2. a bNYna period. Remence, chargs Is by nnadpl'Mna _the) daily biderce of each ssgnam of your stxtxm (e.g., "all .than., purchase, special transfer, and special purchase) by the exmrospondirrg daily Pedod-'mats that has been previously eta-lowed to you. Al the and of .din day du h the bRkrg period, wer apply the dallyy periodic roe far .9 segnn at you acceutt to the d=::Z1, of each segment. Than at the and of the we add rip the rssuits of them day.rcial or, to ardve n your periodic fir arem charge for each segment. We add up the result, from each segment to arrive at the total periodic "ance charge for your axone. To got the dolly bsisrnce for each segnmt of your account, we term the beglu" batteries, for each segment and add any trans dices and any ppeedodc finance large cal *it on Provisos day's balar for Met oefptent. We than stbtlect my payments or credits poste as of dal day that are allocated to that sepnmt. This gives w the separate deny balm. %,:n ch epmrmt of yon s--add. 14~w, it yW tad the Bsissnmce siwwn on your previous statement In I for if your new boo- wsa zees or a crodt amount), new trarracliae which post to your ptuchowm or spacial purchase .sgnems are not added to the daay heiarwms. we calculate the avenge daily balance by adNrg all the By balances together and dWdktg the sun by the ramber of the days in the cumand b" cycle. To calculate your total Silence large, mddplyy your average daily balance by dos dewy pedock ram and by the number of days in the bill period. Due to rouadrrg on a dolly basis, there may be e alight variance between thiw calculation and the amour of finance charge actually asssssed. b. hi the code Z or N apemen on tho front of two aaternmt next to -Bal Ram Arxtte To,- we mtlthi the feanaAsat Ilsliss: you teas to w will he credited to you sccoum as of the btsiness day we re.ive it. provided (1) you send dos bsttan panlen151of tbls aatemaa and your check b the amcbssd rarntttarce envelope and 42) your payment is received In Wr Wocenkrg center by 3 p.m. 1;l nom PT). Please eflow at bast five bwirness Nye for Patel dafivery. Poymenta recdve by w at enY other bcwtfen or In my other foes meY nor bra cradtsd n m Ow Nyy we receive flwm. Qn Ixwkwss Nye em Mm4r Mragb Setuday, etaduenp hoBNw. Reese da rout taw ataplea, pel>a tllpr sta. wsen PnP V you' pa When sad a a dmxkis), you auhorize w to make a one rime electronic traeafer debit hex, Van bank account for the smaum of dos dwcck. 7frla aumwdzatim eppaas to dl dwcka recdved durkq the bulk, cycle even it self by eanoane ales. If we cannot process the trerobr, you authorize w to make a charge eaolrM your bank account using the check, a paper draft or odour item. Capital One No Hassle Perks Please use your capital One card at these stores. r--------------------------- +r------------------------. 1 1 1 1 1 1 1 O II 1 ® 11 1 m 1 1 " Save $10 Save $S 1 Valid for $10 off a purchase of $75 or more. 1 1 $5 off any toy purchase of $50 or more at K•B Toys, K•8 Toy Works and K•B Toy Outlets. T ..a O BORDERS. SIMMONS 1 Mid we taro evewer 21, 2888 1 Ee..e..Ee s4.vt.ma. L ------------------------ ...for To locate the store nearest you, call loll Free: 1-877-5KB-TOYS (1.877-552.8697). s 1 1 wu6 sae 1w 089"a w 21. wee f,------------------------ your summer TMft you deserve it Fnse no strings attached Easy hassle-tree fun Get thousands more online with Capital one NO M M18 201887 t 1 1 1 1 1 t N 1 1 0 1 n 1 1 1 1 1 1 1 1 Page 2 of 2 e0 RM 1 5 tlluirup 01rit !1) 1t1YlY.t. Then enter your access code 055SEM144L You deserve even more ME for 12 f from your Capital One card so... sab'IsP• Go for the savings! Go to www capitalone.eominohassleped(s/save and enter your seem code-MMEMI"L. Then surf for local and national savings coupons to complement your Capital One card buying power when you dine, travel or shop this summer-and beyond. Take advantage of these coupons whenever you want. They're absolutely FIDE with our thanks! pffiw)w what's in your wallet?* r O M f f E D t T pig r ------------------------ --- + r - ----------------------- --+ I I 1 1 1 1 1 1 1 1 1 ? 1 i . Large Any Way i i PURCHASE $6.00 i You Want It 4A TICKETS AT BOX OFFICE 1 1 $9.99 Monday and Tuesday. 1 1 fte"M nrs o rm M rb.1 mom sa 01840 0 p 0me up r 1 1 $10.99 V4dnesdoy ttr?ough Sunday. 1 1 owe pt Tlr by s wmrnWn Tkk ff fm oft ta.0o.«1E. 5 1 1 U to 3 An bar's Une® 1 P IoPP?tts• y 1 1 1 1 u p es u0" rr..rw. .r 31.sa..w. ? N? T ' or 1 Supreme. Super Supreme $1 More. In 1 1 u.dT s aM. "" Tad % rw cwe.n 1 1 1 1 1 C2 IIMENNIIIHINNIN A74 T 7ta 1 i 1 i ®REGALU?,,, 1 r:xrr.krnlxNlhnT eowsses 1 1 1 1 1 G R O U P T... T... 1 1 TN 10 MW t0ru Ono xftr 31.2806 1 fe...wT..i4 b.EM+r. 1 ( 1 1 riYA YN t1w DN@rM*r 31.7086 Rn nwr. Fda baTm.. wows a 1 1 1 1 1 r- -------------- - at. -- ---------------a Capital One No Hassle Perks Please use your Capital one card at these stores. zonl??*M Disarm mnwt h cosYned widt arryr odta roupan «appked ro pnrdtsse of Sift Cm* a vides 9mtles, "Was end w2 mies. 11111monit kken off barest prigs at register. Soles tox toll mW toward S50 pordlms rotlerseent. U sill one coupon per IrM. Not slid at K•1 by of 1N whys, K•D Lys at Safeway, onine or daring dorewide sob MML Assstiales: b process $5 Nvirys M dk«mlt MOM «soled'S5 Erdsrhibtusnt' 30.1 w anal We. Nor 'AN won dMrdsowd otMe, ankn oartlnad. Ceupono,V a ddorkuasd.sad or enbfedbraah. fuludes preview too f online p nilo , ph cords and terIihi ten, nonmed sparid ai Arty nor be 01ebied A edm aupom or tors onla, doinini in alter Mourn. Ordinal toopm and ba ledaawad of lied prrnim on coops pry porrbm, per tushaw. VW 9 0101011, trons6"4 end whew pralubiad by kw. ANY olsr na ra alft treed. (016 Nonni t. Na raknaoAY for adr. %W ady in Us swan 7/1/115 -12/31/06. laden tnlilow I"I= ulna S3, Ad S6, Ken or saw saga 0, slat S1, Nita Me, nod ind. 366002150000000000 Sok.t ro bee a wv. nm wdid war an.r0-4 off-. ume. snanad. Cmms Yarn It dwaban, nld orewbrod loraash. Questions about Capital One No Hassle Perks? © Is It evealfy FREE or will I be chaegad a nosindporaW Nat Yes, it's absolutely, positively free. We are giving you this customer appreciation offer (a $100 value) to use for 12 months. There are no strings attached, no gimmicks, no catch at all. Enjoy these coupons and don't worry about being automatically billed at the end : of your free membership because your login access will simply expire after 12 months. 0 Now do l got My savhoys? Simply go online to www.capitalone.com/nohassleperks/save and register by entering access code 066SEM144L. Then print out the coupons you want. Here's more good news. You'll receive rnore coupons like this from us in the future. So be on the look-out! ® Can 1 pdnt coupons tow ofhor cull s? Yes! Because No Hassle Perks are powered by Entertainment.* you have access to coupons for cities across the country. That makes it easy to click and save on dining, shopping and more, whether you're cruising around the neighborhood or traveling on !! summer vacation! I© Who can I calf it 1 haw gwalonsp For all questions on the information and coupons available on the Web site, including usage, just call Entertainment toll free at 1-866-037-2758. Use your free online membership and save for 12 monthsl This you-deserve-it perk is our way of saying thanks for choosing Capital One. We sincerely appreciate your business. Visit www.capitalone.com/nohassieperkslsave today! s? To take advantage of this offer, snake sure you register online before Jesse 1, 2007. Entertainment, which has sole responsibility for this offer, is not affiliated with Capital One. Capital One does not provide, endorse, or guarantee any product or service shown here. Any trademarks mentioned herein are solely owned by their respective entities, with all rights reserved. By responding to this offer, you may be communicating information about yourself (for example, that you are a Capital One cardholder) to Entertainment, the !! company providing this product. An Offer is defined as a discount, whether it is contained in the form of a coupon sheet or a custom coupon book. Discounts exclude tax, tip, alcoholic beverages or sale items, where applicable, and may be subject to additional conditions and restrictions. In most cases, to qualify for a free offer or complimentary item, you must purchase goods or services from the merchant making the offer. The barter, trade, sale, purchase or transfer for compensation of these Offers in whole, in part or individually, is strictly prohibited. These Offers are intended for the personal, nonprofit use by the individual recipient and are not valid with other discount offers or in other cities unless specified Additionally, the use of these Offers for advertising purposes, in any form or fashion, is strictly prohibited. Any use of an Offer in violation of these Rules of Use will render the Offer VOID and Entertainment Publications, Inc. ("Entertainment") will pursue all legal remedies available to it by law. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Entertainment will not be responsible if any establishment breaches its contract or refuses to accept the Coupons/Offers; however, Entertainment will attempt to secure compliance. Entertainment disclaims all alleged liability for bodily injury or property damage resulting from any accident, event or occurrence on, or resulting from the use of, the premises of the participating businesses. Entertainment disclaims all warranties, express. implied or otherwise imposed by law, regarding the condition of those premises or the safety of the same. Entertainment disclaims all alleged vicarious liability for bodily injury or property damage resulting from the acts or omissions of the participating businesses. Entertainment"sollodeiarrt and * are registered trademarks of Entertainment Publications, Inc. C 2006 Entertainment 02 Publications, Inc., 1414 East Maple Road, Troy, Michigan 46083-4019; 866-837-2758. Printed in U.S.A. ® 2006 Capita One Services, Inc. Capital One is a federally registered service mark. AN rights reserved. 8027: Ol REGAL GR0L: P (bask per load newspaper or vM w w.IElmovies.tan for s6wvGrres and tiro t nearest yea. SusMrle spry ko oppfied if raI - I m ay llleelww litf, la o&a M o of gold Im lelso se Group kroeow nabootdde. 'yet Super Sever Adassion 111" 4 not void daring As first 12 days of wk W on rakmo Ilan. 0 Lo rye Any Way You intone It $9.99 slowly and Ilmdey. $10.99 wedeadet thinsi salop. Up to 3 teppiop Amy Levais lies-or Solo osra. Soper Solonnea SI Bbre. Ydld on ?aq TW'k Cr60y ad li d-Twell We Pfta (adore mSooble). C2 INNE1011IN A74 Only it porkipolq kcNier6. One mepsn per ads lit void wak Wes Am Me rkobk ipigs. Daisy sees and rbogn sty vory. 1/24 ale task rodarptin vda. CM Pine Mid, INK. Sualnt n Mo.d U.. Wald wit dnr dl-dorkn. order eyoaeot CnpnsVew 0 poniard. nld ornrbrsd b W. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-5889 One Richmond, VA Memo Date 11562 Use by Aueusl a>_ send 68.677(S1o 596897 14 08218 V W W Dollars Z V C Z:I CL Cardholder Signature 11'1156211' 1:0 5 100 6 4 481:865204403514ina Account S Previous Balance $2,942.50 Payments, Credits and Adjustments $100.00 Transactions 14.00 Finance Charges $51.37 New Balance $2,897.87 Minimum Amount Due $86.00 Payment Due Date August 19, 2006 Total Credit Line 13,500 Total Available Credit $602.13 Credit Line fm Cash $3,500 Available Credit for Cash $602.13 At your service To call Cwtomer Relations or to report a lost or stolen card: 1-800-955-7070 Send Payment: to: Send inquirin to: Attn: Remittance Processing Capital One, F.S.B. Capital One P.O. B. 790217 P.O. B. 30285 St. Louis, MO 63179-0217 SLC, UT 84130-0285 PLATINUM MASTERCARD ACCOUNT 5178-0520-7703-5141 JUN 20 -JUL 19, 2006 Page 1 of 2 Payments, Credits and Adjustments 1 10 JUL PAYMENT RECEIVED -THANK YOU $100.00- Transactions 2 19 JUL CAPITAL ONE MONTHLY MEMBER FEE $4.00 Finance Charges Plemesee revxaeside for imtortant information eatmer.re >?,;?? c a m gsplidm are e N PURCHASES $1,460.08 .05836%D 21.30% $25.56 CASH $1,474.16 .05836%D 21.3096 $25.81 ANNUAL PERCENTAGE RATE applied this period 21.30% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 2897870100000086004 New Balance 12,897.87 Minimum Amount Due 186.00 Payment Due Date August 19, 2006 Total enclosed $ AccountNamben.. 5178-0520-7703-5141 try Qe p-t maila? addrea eny r-d haep, br! wad bl w bL n ,nk. street Apt. / City State ZIP Home Ph- Alte-. Phone #9020142891197326# MAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD 4529 ROLO CT P.O. Box 790217 - St. Louis, MO 63179-0217 m MECHANICSBURG PA 17055-5889 Pleme writeyour account number on your check or money order madepayable to Capital One, F.S.B. and mail in the enclosed esrwiope. r O M O M a III 2 In M m ? m 6 M x y 0 y 31 m in m Y 7 O > x O n x O r ? T Z ? Z = Q ? IB m i y 0 M W , Z Z s N M M m= O * m 1faflfaa? f? i? f? Iilaa? fly t? 8 O O romp NN Purchase Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not quality for reward programs. (3) Are subject to your credit avallablilty on the day Capkat Ohs proceesee your clock. Please be sure the total of your checks, transactions and tees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate it your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used to pay down or pay oil any Capital One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as Using your account. All other terms and conditions for your account remain in full force and effect. 1. How, T. AvW A Flalm Ores. ppeeriodic rate. To obtain the average daily balance for the k h d b di your exam It it has .[ready been dosed. For example, tl ri d • ndase from a nerdam and we it ta. rises MW. You will M- a nidmun grace period of p statement, we ta e t e hialk?hppe Fios covere y you au w pu ze i f th h t ft i h 26 day vridou finance du an new purchases, new d new whet l i i h bepminp balarnee of each segment each day, add any new, and subtract any payments trarrenliam to each p em rece e transact on rom e merc an a er your ve t your account will be reopened account has been dosed ent, new, spec a purc ases an lath trans changes If y=Y=. ud 'Balance', In ace Nwke for paymems below, , or credits. Of to code N appesn on the trwn of this steward nod to'Balance Heu Applied To; we Aso char included in the balance id a b , , the amount of the cho will be added to your account, =to w41 breaporwbte for payment. If dare le a our account ON tee will continue * tee for and in time for it to be credited by your next Notenhem doahq date Th.. is no grace period an cash advances i d i i ge tract my unpa non su of each segment.) This gives w the daily balance of each balances for each t n w add u all the dail Th y , to be ch to iM extant pamited by 1a until tM eCaanm N=6 Ma been pelt cn fill as dafihed above o s no grace per apedN tanstes. In sddtlan, there and an my transact m If you do not pay the total 'saw . , p y segmen e e segrnem far the bfakg period Find divide by the total . 7. IAkha Yv Asewat.Your card or account cannot be balance. number of days in the Its period. This gives us the k IF any Internet gambling calnheaibn wh It. Aewtkrg Flams Ouse. Trassctloe wtich are not sb}d u a grace pedad aro aseased fiaan charge 1) aveaga daily balance of each segment. 3. ArsaW kesrfys Rhea IAPRI. trarwctions 8. Nalles Abet 6aaYSNe ONak Oarwsrslae. When you hen tM dine of the trosactbn or 21 from the date the a. The tend 'Marl percent age Rate' may appear Fie = provide a check as payment, you aphorize w dther to mssactlon is procewed to your decant or 3) from tM 'APR' on tM from at tliis sta M. case Mkrmetbn from your deck ro nub a aetime find calendar day of ON cursm billing period. AddloaalV, ' ' b. If to code P (Prime), L 13 mo. LIBOR), C lCertNcate of f d P k ) th D S 8 l f t i electrode lud transfer from your bank accent or to mem es a deck transaction When we ries the ea New B.ISxe from to previous if_yw old not pay the t f f h in l t ne appears an o epos t), or m e ron i cin the eriodic thi tat ment next to the eriodic Fouls) . p pp y use kbndatbn from your check to make an electronic ue to -Foe o dame c arges cont mkrhg period M ul , your unpaid balance until the unpaid balance is paid In ha. even if s meant that you may aril owe 11- charges , p p s s e Far" and cormsoaMrq A ay incMMAL PERCENTAGE RATES may very quarterly a mreeas or decreaae based hand trasbr, fns may be wlthilu vn from your bank .cater ea soap as the pane day we receive your , you pay the tmlre New Balshoa hhdeated an to from of an the stated khdcas, as fond N The Wad Street payment, end ycu wit dot receive your check back from your stateroom by to nod nnamam closing date, but old h U id fi h i jour", plus the marginp ouldy disclosed to you. w an the am da of our The clur p Wal be etbc Yon aosndaI Isthunion. nance c not do so fit the prev ous monha . npa arges are added to the pq aegsent Of your Accent y y p g r period covered by your periodic statement ending bi BILLINO RIGHTS SUMMARY . tc. ktirwn Fb-- tlr ja. r each bnRnq period that t in tM ."he Jewry, April, July and October. d D P F 1 LIBOR) G 3 i fin Cap Of Emon Or Questions ADan Your &10 it d mo If thi k big i Your account is pseNyeot to a aosn chsrpe, a mMimun total RNANCE (SfAAOE of 10.50 wind be Imposed. It de ll l f ma. or c. If the co e me), ma. ( 1 ( r LIBOR Repriced Mommy) appears an the from of your the riodi Fm ai t t t at i di b) s wrong, of YOU ree you n your re infoametlon an a transaction o bN, write to w an a oaalble at the address for . aste ohm ss som as total fiance durye rpuJllnp ham the app on o your ?t we wins auMnw that rate(al h Issa than 10 50 eriodic pe nemerh o o per o c F e c was , and comeaoaMnd ANNUAL PERCENTAGE RATES may p p h quid- sawn an the from of IN. natmunt. We mum , p the .50 mdmmun and the difference will be iron amount 10 vary mommy a m.y increaea o decrease based an the hear from you no later than BO dayysa .her we earn you iM caun. billed toto puds aimed Indices, ea found m TM Wad Sam Jorrne% plus am bll an wuoh the error or prabMni appprod. You can td. Taealoury Reuse- irva to ==. the margin ou*y disclosed to you. These chetgas call our Customer Relations number, but doing an will nor Fight to not asses any w as Brun charges for any given will be eibcti- on the arm day d your hieing period h yyre - You rights. k yw lour, give IN the folloWng I b ti b d ll d t th biting ppee__ 2. Awn" Daaly aalases IYoNritaill New Put - sal. each Mont . 4. Aspsard of Lste, Ovaaadi and Rakerd paymam Fop. n rea on: your note an num er, o ar accoun e amount of iM arpaco d error, a deacdption of the error thl Zf -M ' ¦. A- charge is calculated by msUplykhg the daily Your account vM be assessed IN mote thin tvw of tM rep billi d U d i i h and an 0 an, it pen of why you bskve there I. e if i f d d f d d balance of each segitem of your account le.g., cash advance, purchase, special 1reMer, and special purchase) lined hem that occur dur ng per o . n er t ng any e terra of your customer agreement, we reserve tM right to an error, or you ree more n o- a - o m p the item you are urairse about. You do not have to pay any by the eommitandkq daily periodic rate") that has been ' waive or not to asses my fees Wilma prior notaeatlon to h i il amount in question while we are Mvea it, but you f ill tlf d big h h previously diech sed to you. At the end of each day duns p h dall d d t f t billi i d l h without waiving w Fight to apes t e pane or s m ar at a lour Imo your at are not are st o gete to pay t e parts o t in uembn a eve kveatyu our uwdm we cannot y pe o e ra e or eac he ng per o , we app e y t rrant u iha doll Waco of each t r . AN . Ysu Assault If a membership fee 5 q . y q , report you as dslrhgisN or take any action to collect the your a segmen o _yy ssenem. Than ai to and of the bshhg pa iod, we add up . . appears an the from[ of this statement, you Mw 30 amount you question. the malts of these ddly calculations to arrive at yon the for each se ment We add u i di fi h day from to dale this statement was mailed to you to the tee or to Mve such fee credited to ou avoid a in t S i l R l F C d C d P h g . p per o c nance c arge resat. I- each segment to solve at the total periodic y p y g if you cancel your Fracture. During this period, you may ,t pec a u e or m t ar urc ases anon charge fur youm accent. To get the daily Wan comkao to we your accost without having to pay the If you have a problem with the quality of property or for each segment of your account, we take de beginning balance for each M(r11at and add any new transactions membership ue. To canc?el yw secant, you mua notify w by calling our Custaser If Department ' ' seMces that you pudused with a credit cam and eau pFaklem with he have tried in good t faith to correct to any periodic chance charge calculated an the previous day's balance for that We then subtract an aegosm. Y f that da tat are allocated t dit t d Now BNarra and pay your in ice (excluding He P Y y pad membenahi fee) prim to the end of to thin do ad. 6 N You Chas You Assam Ycu can rot zeat to dap merCMM, you may how the u right not to pay bthe e this armetm dot u to propemy Fight t You have tie y paymen s o cre s pos e as o to that segment. This give us to separate dally bakn = . . p youaux:.nt by calWhp our Cwtener Reistlea promotion orri ohm Ile pusMs pprice was more than k50.OD and the pumas was weds in your home state or the fit each ssgnem of your aeeoum. However, if you p revious stnaeant in iua for New Balance sawn an our Depmment. Y. must dastroy your credt cam(s) and cancel M preautlarized baling exwm acres decb within 100 MAIN of your mailing address (Ii we am or Y p if your new bakn ape zero OF a credit amount), new l =wion hvlhidh ost to our urchase or s ecial , , ;!=LW =a r secouH If you do not cancel we will cmeWer men Nalfa operate the merchant, or if we mAW you the advertisement for the pmy or aeMces, all purchases r p y p p purchase segments ate nor added to the daily balances. We , receipt of a charge your autlrerizaton to ere covered regerdes o amount or location of purchase.) Please remember to slgih all correspondence. cakdne tM .-rage daty bNanca by adding all the daily balances togel:, end dvWing the sun by the amber of account. Additionally, your accou t WN n al be dosed untll you pay all amours you owe w Including: any t Does sot apply s consume non-credit card accent[, the days In de wrens balling cycle. To calculate your twat Branca charge, mutdpiyy Your .-rage daily balance by the dot pedodc rim and by the rwanbar of day. In the bang transactions you haw auhaized, anan charges, pan due ter, ovetkcit bra, retuned payment rep, cash advance fop end mY odor ken assessd to your t Does net apply to business nan credit card accouns period. Due to roaring on e drily basis, there may bee slight variance between this calculation and the amount of account. You ea responsible far [hose amwat vAatMr they appear an your account at the dime you request to CadtM One supports infametian privacy protection: see our l asrce charge actuary assessed. It d 2 N t f hi I h f dose to accent or they are incurred subsequent to t t ct i d th t Thi a et www.c a one.com. CaphN One ie a roily rodstBred pMCe mark of Capital e co e eppeas m he rom o t t. t or s statement d 7 l tM t t 'Bsl Rat A al ; lti your repea ace s may rea n o e accoun . c r es n ou ha- M ' am after an Oro Rnsnoisl Copornbn. All rights repr-d. a 20IXt p y nex o an e pp e 0 we mu eversr.s dally hdswxr of eari..rv.rrorv by vmr m.mNv ? g y ?t g "Mm TL r ed seam closed or the rea.eino of Capital one Ot LOLBAK M*essR Nelda: Payments you mail to us will be credited to your accent as of the business day we receive it, provided 11) you send the bottom portion of this statement and your deck k tha enclosed remittance envelope and (2) your payaem is received k cur V oeeshhg comer by 3 p.m. ET 112 noon PT). Please Now at leas eve 161 busnes days tor postal daYvePay.r roeelved by w et enY other kcation or in mV other form may rot be credited as of the day wo swi- them. Our business days as Monday through Saturdayy, excYNrq holiday.. Plea" do ram ws stapiea, paper cBys, enc. Won PreMdrq your Wythmt. When send us a dock(s), you audhorize us to mako a ore -time aleatoric transfer debit trom your bank etxant car tie sma.ht of Una dock. Thin acmerizetian appales to sal docb recdved durkhg the billing cycle even it sew by saneoo else. If we cannot procep the trerakr, you auhodza us to make a charge against your bank account wing the check, a paper draft or what hem. KAREN HARBOLD • 4529 ROLO CT MECHANICSBURG PA 17055.5839 Date 201855 11563 68.677/510 201855 08218 V W v W In Dollars Q C-V~GW Richmond, VA Memo l.7 cc CL Cardholder Signature 01156311' 1:0 5 1006 7 78r:8652077035141u5 Easy. Convenient. No 't'ransaction Fee. ? 2 of 2 You deserve hassle-he financial tools. So to maim it as easy as possible for you to access your accourd, we're pleased to offer you these no-transaction-tee Purchase Checks.* You can use them ..,for your hotme wherever personal checks are accepted to: Prepare get cash Control consolidate bills Don't Wahl Your Capital One' Purchase Checks Bet Going tackle home projects should be used by August 31, 2006. Even better, these checks have the same rate you enjoy for So use them today. purchases made with your card. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. cm~cw what's in your wallet?' * Please see the Important Disclosures on the back for the terms and conditions for using these checks. KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-S889 Date 11 - 1.., e..-.. - .,....c 11564 68-677/5so 201855 k 08218 V W 2 V $ in W Q Dollars Q 4 Richmond, VA m N Memo Cardholder Signature 11¦ii56411a 1:05i0067781:865207703514It's KAREN HARBOLD 4529 ROLO CT MECHANICSBURG PA 17055-589 One Richmond, VA Memo Date 11565 68-677/510 ,.851 e 08218 V W >r V $ r'--- W Q 2 Dollars qC CL Cardholder Signature 11'1156511• I:05i0067781:865207703514i11¦ 0 x0 ! ! ! ! o? a ?m r N z D <M D ?na '" M m m a m m < m T o m D 9 Z Z O n a o Z Z O o ?m z co m Z = 9 0 0, M _ *m 0 0 IMPORTANT DISCLOSURES Purchm Checks. (i) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (9) Are subject to gore as& awilsbililly on the day CWMI One proemm your check Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (q) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) WAR be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account Is not current as stated. (6) Cannot be used to pay down or pay off any Caphat One account (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. All other terms and conditions for your account remain in full force and effect. ®1006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved m m D M m O m O A ~ m? t7 y M ?t m m Z ; > Z v c o 0 O sa r 47 C! Z Z O M 0 i m r C: O 0 m Z S m FA C 0 r A mr 0 n ? m 0 a0 M = 0 S O ?a T m a N 71 Z S D O n O Sa r a Z Z 4 m iQQm Oi Z N m m r *m 686905 on your auto insurance. bang for your insurance buck. with all the money you could save. Call to get our best prices on auto insurance. Answer Financial's' rate comparison service is fast, simple and FREE to use. 14774864111 PLATINUM MASTERCARD ACCOUNT JUL 20 - AUG 19, 2006 5178-0520-7703-5141 Page 1 of 1 Account Previous Balance $2,897.87 Payments, Credits and Adjustments $100.00 Transactions $310.37 Finance Charges $55.63 New Balance $3,163.87 Minimum Amount Due $94.00 Payment Due Date September 19, 2006 Total Credit Line $3,500 Total Available Credit $336.13 Credit Line for Cash $3,500 Available Credit for Cash $336.13 At your service To cab Customer Rdatioaa or to report a lost or stolan nrd: 1-500-955-7070 seas parmeuu to: Sand inquirin to: Ann: Renuthna Procnsing Capital One, F.S.B. Capita Oue P.O. B. 790217 P.O. B. 30285 St. Louie, MO 63179-0217 SLC, UT 84130-0285 Payments, Credits and Adjustments 1 19 AUG PAYMENT RECEIVED -THANK YOU $100.00- Transactions 2 08 AUG AVON 888 433 2153 FL $306.37 3 19 AUG CAPITAL ONE MONTHLY MEMBER FEE 4.00 Finance Charges Please see reverie tide for important information m Brims -rte Prradir Carn?ealmd ?(,'E ro ,?lwlm rote AAPPR (?a`$E PURCHASES $1,556.15 .05904%D 21.55% {28.48 CASH $1,483.41 .05904%D 2155% $27.15 ANNUAL PERCENTAGE RATE applied this period 21.55% PLEASE RETURN PORTION BELOW WITH PAYMENT GR 0000000 7 5178052077035141 19 3163870100000094009 New Balance $3,163.97 Minimum Amount Due $94,00 Payment Due Date September 19, 2006 Total enclosed $ 1 -1 Account Number. 5178-0520-7703-5141 Pliarepriat maainaadd- odor, a-n a l rbm 6es hel- a 1 , blur or bl 4 mk Sheet App. } City Stain ZIP Home Phone Al-- Phone #9023242891197321# MAIL ID NUMBER Capital One, F.S.B. ! KAREN HARBOLD P.O. Box 790217 4529 ROLO CT St. Louis, MO 63179-0217 n MECHANICSBURG PA 17055-5889 Please write your account number on your shed of money order made payable to Capital One, F. S.B. and mail in the enelxed envelope. r Take advantage of this special, free service to shop, and compare our best prices for your auto insurance. Call 1-877-886-9111 today to see how much you could save. Or visit www.capitalone.com/insurance +Answer Financial" is a program of, and insurance services are offered through the licensed insurance agency affiliates of Answer Financier Inc., Insurance Answer Center' Inc. (California License No. OB99714), Answer Center Insurance Agency, Inc. and through other affiliates. Answer Financial is not an insurance company. Insurance plans and services are from insurance companies and other licensed related insurance providers. Not all products available in all states. Rates subject to change. By responding to this offer you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital Ones customer. Answer Financial Inc. is solely responsible for this offer and is not affiliated with Capital One. 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 and are not insured by the FDIC or any other United States agency or Capital One. Your decision to purchase insurance and your choice of an insurer or agent will not affect your eligibility for any Capital One product or service. Capital One is a federally registered service mark. All rights reserved. >s f!! f? o O^ m M? hillirqpe nbd covered by this stmwnend, we take the begmng balance of each seginent each day, add my new transactions to each imported, and sublsd any poynema or credits. (If the code N ppsm on the tram of tale statement next to ' Balarcs Rate Applied To,' we also subtract any unpaid finance charge Included in the balance of each sa ns) TNs gives w the daily balance of each eepmem. Then, we add up all the daily balances for each ssgnmd ion the NNkrg period and divide by the total number of days in the bNimg petlod. TNs given u the average deny balance of asdr aegrrent. a. The ten 'Armtsl Percentage Rate' may appear as 'APR' en the from of tale statement. b. It the code P Wilma), L 13 mo. UBOR), C (Certificate of Depod0, or S IB ,d Pdmel appssor on the horn of periodic tale aloenem rod to the psriodc rsteM), the rates and correeoondre ANNUAL PERCENFAOE RATES may very qusnmfy a may increase or deem Iae based m the armed indices, as found M Th. Want Streat s dosed you. Journal, plus the margin ppreewously di These chonges will be efMedve an the firm dsytoof ymr bNNg pmbd covered by you periodic matemem ending in the month January, Apdi, July and October. c. If the code D IPdmel, F (1-me. LIBOR) or 0 13-mo. LIBOR Repriced MomNy) n an the Iran of your alalenrrt next to the pedock rmels), 1M pedodc ntes and coneapoddkg ANNUAL PERCENTAGE RATES may vary rnendsY anndd meal ineresse or deenne based n the mated ktdcos, as tend In The Wag Street Jannst, plus the merits provioWy dsdtaed to you. These drupes will be effective m the fits day of a hllibg pedal each math. 4. Assessment of Lela. OvwbA and RskanM Psyanand Fars. Your account will be assessed m came than two of the toes limed Mm that occur during any Willing period, Under the tem. at your cu mer agroement, we reserve the dim to waive or not to riser any bee without prior ratifiation to without waiving our right to ass a i the were or sknler eea at a Inver time. 5. atewitg Yes Aeswsd. Ii a menmbaMlp fee sppeas n the iroM of Tor ststemern, Y'ou have 30 bays tans the date this enem was mailed to you to avoid paying the fee or to how such fee credited to you if you cancel your account . Wring tale period, you may cankere to tae your actors without having to pay the membership No. To cancel your account, you mot notify u by ceilkg can Cualonsr Ratatlas Department end pay your New BNanne' h - (aaWding the merrbera tee) P. to the and at tls 1NrtY deal period. 6. N Yes close Yes Asrrad. You can requsst to dose yyoouur accent by aNng our 9= Relotions uepanmem. You mum demroy your credit alts) and accost E. deck., anmcd sal pre eudsrized Willing, and cease ur?Q_ymr acamt. It You do ram anal preauherixed bwng errengemems, we will consider receipt of a cMgp your authorization to accent. AddidaraNY, Your acamnl will not be cbeed oral you pealyou Mw eudrorized,finna,adurgea ea `.made you True ua M h.V any transeetlars , gem due fees, ovedimit bee, returned p.= fees, ash advance f" and any odor fees rsessW to yap account. You an respaWbb l thew emmnts whether they appear an your account st the tkns you red)uest to dose the acoam m they are Incurred wbsequrrt to your request to dose the accost. This may rredit in heroee .'ke an your account sher vou hew your account if it has already hewn dosed. For example, if you ahed:ed a %,tite from a ererdam and we recdve the transaction horn the menohsnt sher your account has been dosed, yea accent MN be reopened, the .moon of the cispp?wall be added t your arxoun, and yyoouu will be repanwre far psyrnrrm. If iMre is e to Whip fee for your account, the foe will contlntn to ba duuad, io the exam pamnhed by lsw, urNI the accost ba Me been bald or fill as defined 7. Malin Ywa Aesse d.Your cam or account cannot be uaedin connection whit my knemal gambling transited- S. Naas Alo" EMabsds Cheek conversion. When you previde a deck as paymet, you audadze ua either tT use Miometbn from your deck to make a oretkne electronic hod tra sbr item your bank account or to process the ppaayment as a deck tnrrctbn. When we use Inbmatlon from your deck to took. an alectrordc find iransbr, kxr . mry be withdrawn from your bank account as foam as the same deal we receive your payment. ant you will not receive your deck back hom your firnerncfeI institution. BILLING RIGHTS SUMMARY Ia Car Of Errors Or Qusmbro About You Bill) N you Oink Your bill is wrong, or if you reed more intamtalbn an a transaction or bill, woo to c on e Enna meet as soon as possible at the address for krgddea shown an the hem of this statement. We must hear Iran you no hater than to days a=01:0 nt You the first ball w wMch the east or problem You can cell our C sloes r Relations number, but doing so will rot pprsserve your dohs. In you amen, give ue the following Information: you rums and accost number, the dollar mourn of the suspected error, a description of the arm and an exploration, N possible, of Mw you boNeve them is an error; or if you reed came inf metim • dose ipti on of the item you am uannne sbo A. You do not have to pay any amour h pion wNi we are invemMstlre n, but you are stall fed to Rey tle pans of ysu_r dl ere not in question. while we Investigate your question, we carnet report you an delinquent or take any action to called the amour you quectim. t,t Special We For Cram Card Purchases It you how a problem with the quality of property or eervicec dot =p== c tlneredit ad end y haw toted y probem wdth the mendem ou , you nay he" cis dolt not to pay de thisi ning anromt due on the q ray or services. Vou Mw this protection illy ester the purcMss puke vrs mom then k50.00 and the purdnse wr made b you home state or within 100 miles of yo u# naffing address. 1It we own or operate de erendem, or if we malted you the advendaerrrH l the p7eny or services, all purchases am covered regardless of amount or location of purchase.) Please remember to sign all correspondence. t Does not sppty t consumer rron-crada card accounts t Does not W y to austesa aan credit card ..counts One ""no infomadon privacy protection: see our service mark of Capital reserved.. 2003 01LGLBAK ha to Qase Parts. You wN ve a midmun prate pedod of 25 days vvhhan frranee charge on new for sea, new balance transient, new ape , purchase. and new other charges It you pay your teal 'New Balance', u accordxra wins the krporum Notice for peymems below, and in time for it to be credited by your nsxt atstemmd dsskg dot. Thera is no grace period on cash advances end special transfer. In addNn, there b ns gace period n any transectim if you do rat pay the total 'New Wlence.' b. AasseMg Ff.anea Charlie. Trarrsedias wtich are ram wbieet to a grace period are assessed fin-ce deryp 1) iron the dale of the nansectin or 2) from the data the trensadian ta proread to your Accent or 31 iron the I calendar ley of the ourrem NINrp p ;i Adddanelly, if__yywou did not pay the 'New BaMnce' ism the provioa DNSnq period In kill, Stance largos cortices to Bans to your unpaid balance until the unpaid keel :le peal in fits. TNs means dot yon m•y stR owe finsnrce tlugise even it Nu pay cis entire New Balance indicated n the trmn of your ski 1:m-1 by the next simmers closing doe, but did ram don fort he previoua month. Unpaid Greece ch. are added to tle a egnent of your AcowH. t c. fiAlrlanr FYtrnse . For each bNalq period that your accaun Is to a finnarnce dame, a mir*- toul HNANCE gAe E ofnkp0. 00 WN bepplimposed. Itythe periodilotal Mssrhan ?0from . so,tweawNI subtract t .mart hen the a0.50 minknum and the difference will be ballad to the pulse se?nmd of yyoouurr coount td. Tagsrany asduaWn IN Fires to W We reserve the right to not Gress any or all finance charges for any given 2. Awroprg s tabu Irsrn d New Ram"'al. s. Finance arpe is cNCWtsd 6y mubiplyrg the dolly belts c of eels segmsrd of your ecooun le.g., ash advance, purchase, special transfer, and special purchase) by =,,=,g ily parade metal that he. been prey you. At the and of each day dud?q the bNlbg period, we apply the daily perlodc me to, each se{tirusnn of your account to the daN kelce of each segment. Then at the end o1 the pang pedal, we add up the newts of these doNY calculadms to ardw al your pedadc aunts loupe for each segmere. We add up the rewdts from each segment to emve al kits total periodic finance hage fen your account. To gal the dallyy bAnce for each segment of your aeeaan, we take de bepiraug balance for each segment and add any new transaction and ray pedodlc frurce charge calculated an tie pro day's balm br dot agprem. Wa tlen wbtract any a to that rgmem. T ?ves m the separate chilly balance far each rgnsM of your euraro prmtevi.ouastatement IT WV* Nowewr, it you New Beira shown n yo it you new balm was :era or a credit amount), new transactions wNch post t ===M-, par her segrsrsa at ram We calcdate the avenge daffy baluce by adding NI the y balrcea together end dvidng cis wen by the number of the day. in the current hYfirp cyda. To alradale Your toll firorrce loupe, mWNply your enrage dally balance by the dall pedoek rata and by the rsarder of dap in the NNrg period. Due t rodnrdinq m e deity base, dare may ba e dlgln a cha a between nits alculatfon and the smwd of Mona de actually awsssed. b. It the code' or N appear n 0. Groh of tale metemem nsxt to 'ad a'- Rat A= To.' we muldoiv the and 2 ymbe credited to N re u ac is wail of the bufner day we mcdve n, provided 11) you send the bottom potion of this matament and your neck in tlnpl wham impmt mom = mail to up will pa prormwkg amen by 3 p.m. ET 112 ran PT). Please SNOW at bast live (5) business dap for pond d.Nwry. Payments ? ow by u at any other kuatan or in any sher um nay ram be credited as of the day vro recdw them. Our booker dap am Maury thrwph Saturday, a hoNM Id* staples, paper tales ac. wtan prepednq r p.;=:h en yOU send a a dscklsl, You aunes:e u to make s one-Oma dsdrmic vensar debit from Mc aawun fen the smard of the check TNa euhedzatin a as to recdwd duMg the bNNng cycle even it sent by someone else. If we cannot pmesoothe trarobr, you adModzp e u to make a Burge against your bank accord using the deck, a paper draft or other from. QW what's in your wallet?* KAREN HARBOLD It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. Keeping your credit in good standing can WHOOF do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES 053 BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ® 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights trserved 053.08106 PLATINUM MASTERCARD ACCOUNT AUG 20 - SEP 19, 2006 5178-0520-7703-5141 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $3,163.87 Payments, Credits and Adjustments 1.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If Transactions =39.00 you have already made your payment, please accept our thanks. Finance Charges =58.43 Transactions New Balance $3,261.30 14iainnnn :1rrount Due $191.0o 1 19 SEP CAPITAL ONE MONTHLY MEMBER FEE $4.00 Payment Due Date October 19, 2006 2 19 SEP PAST DUE FEE 35.00 Total Credit Line $3,500 your ,ue:,unt is ont Payment 1,ehind, Remembrr that. making van roininamr paymeras by the slue date, keaps Total Available Credit $238.70 you account in good standinE. 'Ali<n you miss a payment, late f,_•es srart adding up. And nobod-ants that. Credit Line for Cash $3,500 So make sure you send in the minimum arnounr due on your statement to keep your tia,mnt in g.,-ni standing Available Credit for Cash $238.70 and m keep from paving esUas fees. At service your NOTICE: Look for a new statement design for your Capital One credit card beginning next month. A summary of the key changes will be provided with your new statement. To call Customer Rdstions or to report s Imt or stolen m* 1-800-955-7070 You were assessed a past due fee of $35.00 on 09/19/2006 because your minimum payment wall not received by the due date of 09/19/2006. To avoid this fee in the future, we recommend that you Send Payment- to: Send inquiries to: allow at least 7 business days for your payment to reach Capita One. Attn: Reenitteam Prom-ing Capital One, F.S.B. Capital One P.O. B. 70885 P.O. B. 30285 Chariot., NC 28271-0885 SLC, Ur 84130-0285 Important Account Inforvtation Beginning October 1st, 2006, based on your account activity you may be assessed more than two late, overlimit, or returned check fees that occur during any billing period. C manlce Charges Please see reverie Jldefar important Infmmatlon Co Bai ink P-i. C pn1u? ?'$ ME o gep/rdh rat? - PURCHASES $1,715.41 .05904%D 1155% 831.40 CASH $1,476.76 .05904%D 21.55% $27.03 ANNUAL PERCENTAGE RATE applied this period 21.55% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 5178052077035141 19 3261300100000191000 New Balance 13,261.30 Minimum Amount Due 1191.00 :'ailment'Due Date October ty, 2006 Total enclosed $ Account Number: 5178-0520-7703-5141 Pl mepmt-n/mgadberr an&w r- d rbm-gn heimu wmg Rw or 6lark ink Sneed Art City st--e ZIP Al.- Phone #9026342891197326# NAIL ID NUMBER Capital One, F.S.B. KAREN HARBOLD ? P.O. Box 70885 11111111111111111118 11111111 m ?s 4529 ROLO CT Charlotte, NC 28272-0885 MECHANICSBURG PA 17055-5889 LdrlLJrrJtlhtdetLllirrtLtLlrrLdrLhtLtlrLrldtl ? IredllrrrillrttddttLhdJrLtLLrLLhtrtLlhLretrlll Please writeyow anaunt ntnnber onyow eherk or money order madepayab/e to Capital One, F.S.B. and snail in the ens/oredenvelope. r S A? t? 7S 8 o m 9? RP ppaadodic rate. To obtain the awrage daily balance for the blNirq PadoOf veered by trio stetemem=we take 1M bepimnp balance of each ae?rhern y1, add Fly now transactions to each aepnern, and shbtroct sny payments or credits. III the code N .piles' an 1M from of this statoo1w now to 'BNanx Rete AppN°d To,' we eau arblrad enY upald Lance charge Induced in the balance of each ee?sM 1 TX gwr a lhe dally bdmx of each aepnent. Then, w° 4d, tq Nl 1M dWY lbl" ° for each mprsnt for 1M H the arbd and divide by the to°I ramnhber of Nn n the bI ac period. This giwe us the few" dally bWnco o a. The f each eeprront. 3. The w term 'heron «nzya l Percentage a. Rate' may appear as 'APR' on the food Of of this metemem. b. If the coda P Prime), L L 13-mo. LIBOR), C (Certificate of Dpoalr), or S INankcerd Prkne) appms on the ban of this rtnernsrN raw a the periodle rsusa) the pedodb Farm and correspordno ANNUAL PERCE1{TAOE RATES may very quertedy, and may incre°r or daemon based on the stated ndcr, as tarsi in Thv WMb Street =&5. the marya pproNaely '*.A. to you. FF wR ba ellectlw on day of your 1,014: pecovered by your pedodc saternem onfing in the marnM January, July and October. c. If the code D (Prime), F 1 -mo. LIBOR) or G (3 mo. LIBOR Repriced Monthly) =am on the front of your nnmsm nsw to the periodic rousts), the ppeaririodic rotor and C., -P rrdrq ANIMAL PERCENTAGE HATES may vary moray andmay Increase or decrrse based m the steed Indices, as food in TM Wes sben ,/ourre% plus w?Al bye eusifecNb aih tls Adi day of your bMkV period such rotarth. d. Assssseaam of Late, OvarNdt and Rokamal PaYarstM Faa. Your Nomura Wil be assessed no men than two of the bas Need here that occur during my billing period. Under ft terns of your CUln m ( °gr°°°u°C we reserve the rigs to wales or not to rumors any to vhlhan wNvNq es dam to a- the some or simile1 n e lausr tkne. 5. yes AaruM. It ° memberoNp fee eppeero on the front of this natemam, you Mw 30 days from the date the amamem was mailed to you re avoid paylrq the fee or to Mve such fee crodited to you if you cerheel your aaaamn. Durirp rids period, you may omkae to use you amount will he to pay the menberahip fee. To curcel your accormrt, you must ratify us by callkq es Cunamer tions rented and pay your New Balance' in IrN (ereirdtq the membosNp feel prior to the end of the thirty day period. 6. If You Cam Yes AaaesL Vau ran regusat to door yYoonur accasn by Fading our Ctsamat RNnias oepanahem. rou mist rfeatroy your credit mental and accasa acmes crocks, mncal all preo~zed billing, and oar Wrig?yew amount. It you do not csncN preeuthorized rNng arrarhg=me, w° will consider ecelpt m e dsrgs you aWorizatlon to reopen your account. AdditlersAY, Your sxoun will rat be rimed unp you pryN amour you owe "'hadbq: any FtJe= pen due fees, , owyodiunst Mw fees, returned ed, N: WY°he°ncetfees, cosh d t :dooms fees end any otleer fees sssasrd to your they hey . You aro ot at ar the floss amours request t appear account youur r ax accauounn ds yo rent to to dose Ito or they are incurred may mo in ul to your request to to clove the your aourr. Tha may Tonle charges a{peadrp on yes a- after you Mw it ysuaauthedzed erepurclvae Aar a merdrsm enda vie a rereiw the trsrwmtbn irern the mereMnt eher your exoud Ms been dosed, yes accent will be mopersd, the arrrouart of the cMryp_wgl be added m your exam, = ,the fee if to Is a eM Trou WN fee log our WIN continue to be chol eel to the extant pemitied by law, until the exausM ricc Ma been paid in kFN as deAned above. 7. Uaba Yew Aaow M.your uN or account carrot be uselfin oannectim with any Imemet gembling tremadions. 8. Notim Ali" EfesYesMa O welt Conversion, When you provkb a cheek m Paymont, you au o us eiber, to ur Inb-.film from your deck m mska a one time eactrallc lord transfer train your bank axaea or to process the ppeaynheM r e dhxk transaction. When we use I lopnatbn Iran your cloak to make an d°cuu is kn0 irmsar, troves be wldrdrawn ban your bank aoaMn as soon as 1M some day we roc°Iw yax payment, and yx veil not recNve your deck beck tram your Snarl., irMkution. BILLING RIGKrS SUMMARY lln Case Of Error Or Questions About Your Bill) If you think you bill ie wrong, or it you need more inlonnelan on e hsmsa lam or bill, wrius to us on a MarEnres Narn n soon ea poeaLb et the addroes for krgdrfes he- on the Irony of this stateroom. We meet from you ns later t- OO Nya Miler ws sent you the Ann bill on which tle error or prablern appmrod. You csth mil our Customer Ralatans number, hen dokq r wlp not Pre.erve yes dgHs. a EM, give us Mo 1dbwMhp normsNan: your Feria rasrEer, Me doNu amount of the suspected error, a descriptkn of h error is and an mplmetfor Ii aI why you bW- More an ennr; or If you moro IMermaeon, a dardptlon of the Nam you are urrre about. you N not Mw to pay any artroum a Wmtlan wale we are nwadgegfq It, but you ere sWl obi(gared to pay the pens of your HR Cut ere not in qumtlon. WHIe we Mveapgate yea question, we mnnot reppo?you a delirirghrent or uka any action to collect the t,t Special Rule For Credit Card P-hinu s w a problem wNh tlro guslky of property or as =t hat you pwdvft wait a credit cord and you Mw triad in good feah to coned Z problem "In the merdorhi, you eery Mw the right rid to pay the rstrnalriFq mom due on the prapeny or seMraa. Yx Mw tha rtedlon ally rhen the realgri than 160.00 earl the pumJuso woes in you*lasne state or within 100 rpm of your mT" so. 111 we own or operant the msrcF or if yon the tlsoment err the p Fly or rnviess, ell PurcMre are covered regardiees o1 amour or acmlo of purchase.) Please remember to sign all xrreepaMancce. t Does not Apply to consumer iron -credit cord accounts t Doers net apply to business Aar-credit card Accounu One supports aarmatlon privacy promotion: see our at One I. . lerro.corrr. t a rally regateh. eMo mark of Capital 0ria Corporation. All rlgma reserved. ° 001 LLGLBAK a I to. Grow ttiW. You will how a mlrimun grace period of 25 Nye whtlrout Ansnoe charge on new purdresee, new balance irorebro, new epsca) PuZces and Flaw other crergm if you pay yvw tnN 'New BNanca', in ccordarrco wtM the bnpodam Notice err peymema below, and in time to b to ba credited by your new stnemem dmkq date. There fe rc graco period on rash advances and pedal tranefero. M addi _ there is no g'Newreo period on arty varsraNon Ii yo N not pay the tnta balance.' b. Aaaair? Fkrnw pret!°. TronsaNans which ere rct sub)ect to a grace peeled are asoeesed Lharroe drorge 11 flan the dine o1 tle nansadbn or P) trap the dine the trarhsootfen Is procered to your AccauM or 3) from the Arst rabrrNr Ny of the corer b:W:, period. AmtlansNy, if yyoouu did net pay the 'New Balance' bran the proNoue IhAArhp psdod N U, Aroma charges comkeze to accrue to your upold balance until the u pWd balance Is paid in full Thie memo that you may raw owe Aisne deq)es, even if you pay the entire New Balance Indicated an the front of your etnenem by the new stnerrtemt doskp date, but did riot N r far the Pr°vlous month. Urpsid Lance degps aro added fo tls pplaaWe sSgh-d Of your Accent. t c. k*A- FkrsNS pip. ==P!- that accaaa b to a militiamen tnN RNANCE CHAMiE of $0.50 will be imposed. If the tall Arhsnce dsrye tram the oppN oftMtyou r pedadic rneW is err turn 0.5 0, we will aaWtrac, anwtsn flan tlr. 10.50 mirimun and the ditlerera:a will be ballad to the pwdwer p?rmrt of your accorap. td. Trprery Rairallan a Firsw ar.p. We maerw the right topenoottdmasses enY or ell Lunx dargm for any given 2. s Runs GsBy. Ikwkritk Z-,d= aal•daily bNonce of es?rJr seprerM of bye rr °?hrri le.q., uNr bywthe dW yy paradcriats lope been ) proMadypdelsebmetl to you. At IM and o1 relit ds dus tole t°epnn of yaa?axaN io the dallyy periodic balance of er a sognuarn. Then at Pure end of the bMYng period, we add up the raer I* of uses cepY rakulatkhns to emus n yax periodic Laance crsrge for mid sogmem. We add up the nmulb Iran each segment to amw at the tonal periodic Amerce durp for you acoesa. Te gat the didy ba?arce err mgr seprerrt of yes eccaua, v take the °°V^^khq balsraro N y'bMlsrce for eadh °°Ge. and add an Flaw irorhrctlonle rid ppeeiodc Lushes cra ml p err t sepnerri. We tfsn trMract anyhes pa= or credlu phatorted r o1 that day that are allocated fo 1M fapnem. TofHa ° us the eparete dally bNpeaneem IblerwemfSNilerhrown m ygv°a,rc pre'Nauast%rrihahrk, hilidoe Ii your new baarce veer zero or s credit amoual, new trarsectlens elicit pmt to ywr puschsso m pedal pa sspnerna aro not sdtlod to the NNY balances. We cdwau aiate 1110 average dMAY balance by ==M, balances erlor end dividkq the sum the Nye in the current Willing cycle. To calculate your total Ansrce drsrge, your averageof NNy bNenco by the daily, rats end Nys Irt the number the fziRrrp lied Due to rofrrdirhp on a NNy bells, tlero moy be e Nq1° vedarrm between thin rakatatlon and iM .moon of Ansnce adueNy asoared. IF. 11 the ooN or N appmn on the iron of this statement nsw to'Bdnce Ram Applied Ta,' wro multiply the n tbt lstM d . Pr ym? a you mail and s will be cymem itorerel amount i nee of file buneso Ny we mcoiw 11, provided 11) You send the bmtam portion of rhea nement and your deck bast Aw I6) buNnees N for p= Nllwry. Pe solved °P° r°o°al°q oesr by 3 p.m. LT 112 ram PT). Phase allow at etye ymems by us n airy odor bcation a in airy steer Ism may rc1 be credited as of 1M day we recNw them. Our bu°kses Nye are MordaY through Saturday, ewdudi IogN Ream N not ur stapusa peer dale enc. when Dreparinq yyoouur payment. When yyoorur serve us a ds: Ill), you authorise us to make a one-time electronic transfer dolat from your bank rot accent err the area of the deck. THS audhodxetlon applies to NI darcka recelwed dump the bAing cycle even If aem by aomeons else. If we cannot process the transfer, you authorize us to ..it. a h rg. against your bankeccant using the crock, a pope, draft or other hem. 7 First 3 months half-pries 0 $ 4 a month; 09.90Arro. tlwrodler* MIN UP TODAY! 1-877-7784207 Mention Offer Code: AMBER or visit www peoplepc.com/gotember 500018 peoplepc® online N-11 A better way to Internet. PeopIsPC Online offers the features you would expect from higher-priced Internet Service Providers at half-price for the first 3 months! Email Mrus Protection Pop-Up BlockerM Spam Controls Smart Dialer Phisher Security Internet Call Waiting FINANCE Previous Balance Payments b Credits CHARGE Transactions New Balance Minimum Payment Due Dap $3,261.30 - $494.00 + $57.53 + $204.00 = $3,028.83 $90.00 Nov. 19, 2006 Sep. 20, 2006 - Oct. 19, 2006 Page 1 of 1 KEASE MY AT U/6T THIS MIOUM MasMr "Important Notice" Your account was pest due. Under the terms we previously, disclosed to you, I your account Mssbr2Ca4M 7703-51141 Platindntsn Account is pest due again in the nett 12 billing cycles, your Annual Percentage Rates (APRs) may incr-se. 51178-05 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $471.17 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $471.17 Finance Charges (Please see reverse for imports sdo motion) aapppliieed to rate Periodic ?^ APR i? CHARGE Purchases $1,770.60 0.05904% D 21.55% $31.36 Cash $1,477.34 0.05904% D 21.55% $26.17 ANNUAL PERCENTAGE RATE applied this period: 21 ® At Your Service l4M64833a37 To Cell Customer Relations or to report a lost or stolen card: 0 Sand payments to: Capital One, F.S.B -P.O. Boa 70885 - Charlotte, NC 28272-M A Send Inquiries to: Capital One - P.O. Box 30285 - Salt Lake City, UT 84130-0285 Pay ments, Credits d AdJustments 1 22 SEP PAYMENT $94.00- 2 18 OCT PAYMENT $400.00- Transactions 3 09OCT AVON 8884332153 FL $200.00 4 19 OCT CAPITAL ONE MONTHLY MEMBER FEE $4.00 6056 506 1 7 19 061019 PAGE 1 of 1 COLR233A 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3028830400000090009 ??` I what's in your wallet7- New Balance Minimum Payment Due Date $3,028.83 $90.00 Nov. 19, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Endosed Capital One, F•S.B 111111r11rrr1r1rr11r P.O. Boz 70665 Charlotte, NC 26272-0665 1111I11gill II[oil II1111 1111111 111 1r1u1u111111111111Is II II II Account Number: 5178-0520-7703-5141 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address Q •9029342691197323• NAIL ID NUMBER KAREN HARBOLD 4529 ROLO CT MECHANICSBURG, PA 17055-5669 Please write your account number on your check or money order made payable to Capital One, F.S.B and mail with this coupon in the enclosed envelope. peoplepc® online A better way to Internet. UNLIMITED INTERNET ACCESS sew UP TOOW. 1-877-7784 207 Mention Offer Code: AMBER or visit www.peoplepc.corn/go/amber PeoplePC is solely responsible for this offs; and is rat affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All fights reserved By responding to this offs; you may be communicating information about yourself to the compary that provides this product - for example, that you are a Capital One customer: 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll ties at 1-877-778-1207. Service rat available in all areas. Access fees, taxes, and other fees and restrictions may apply Telephone toll charges may apps, even during trial periods. Wu are responsible for detemtining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during tines of peak usage. Dial-up numbers may be charged at PeoplePCls discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Onlinet Services Agreement and Acceptable Use Polq 56K is the maximum speed of service; actual speed may vary 0 2006 PeoplePC Inc. AN Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 1. Her Is arofd a Fi-Charge. t e. Gres Priori. You will how a minimum precis period of 25 days wlthout 1Mnrn charge on new, purchases, new, balance sanctions, new special Wfchwoo and new other charges I you pay your ntet'New BW&rmW, in accordance with the Imparter Notke for payments below, and In rime for It to be credited by your mid occurrent dealing den. Them I. arm pace period on cash advenw, aand pedal tanners. In addition. Mara Is no pace period on any transaction if you do not pay the Wall 'New bane.' b. Accruing FbenCe Charge. Transactions which are not subject to a are period w emceed finance charge 1) Item the dos of the Dwowd ha2)fi kn the den the Ureatlnn Is processed to your Account a 3) from the first calendar day of de current being period. Addtlansily, I you did not pay the New Balarhee' horn the preview billing period in hull. finsnee charges cebnw to access to your unpaid balance mti tot unpaid balm- is pod n full. This means that you may We owe firwloe charges, awn I you pay ftf entire Nkw Boarhca NWkcted m tha front d you statement by the rived sisterhood dosing dos, but dot not do te for Ins previous mash. Unpaid fiance charges w added to the applicable sorneot of your Ace"*. t c. Matthews Firers Drys. Forserh killing period the your eroum is nrbled Te a Arson chkrge, a mnanure trial FINANCE CHARGE ef$Q50 will be knposed. t d. Tem ire ry Reduction In Ft- Charge, Wile mamrs, the right to net coca cry or al finance charges for any given blleg prod. 2. /imago Daily Balers l>nd"ang also Purchases). Fkrons charge is calculated by naMplykg the duly balance of each segment of your amount (e.g., cash advance, Purchase, special tarrfr, and spatial purchase) by the corresponding daily pstI I role(s) that has been previously disclosed to you. A the and of each day during the being pond, wh apply the daily periodic rte for each aeprrent of your account to the daily balance of each segment. Than at the slid of the bilkg tarbd, we add rp the results of alas daily cekdeass to arrive at your penodre fir a ee charge for each sepnrt. vale add up the reacts from each apromto arrive et the least periodic Manse charge for your account. To gal do delay balance for each segment of your account, lw We to boo Wo Wisrxe far each segment and add arty rswbssecsos and any periodic Inches charge cokide ad on the Previous dkfe bounce for that segment. ft then wsead my payerents or credits Peed a of OW dry abet am aloraked to Mat sepnent. The gives us the sapron daily balance for each segment of your ao0ounL However, Ayou paid the New Balance shown on your Preview aatemant In furl (r If your new Wlanca me Zoe or a aedk amass), now hrwcdon, which post to yet purdMa or specie purchases seplelds ere not added to the daily baarhces. We calculate the average dally banns by adding ON the daily balances mgstm and Wiling the sum by the number of the days in the anent billing cycle. To calculate your least firms charge, multiply your avenge daily balance by the tlaly periodic rw and by Bur number of or^ in the blpg period. Ous b rourweg on a duty bais a due to hnbhnarm Marne charge "s se w t them may be a variance between this calculation and the mount of Manca drape acarlhy eraead. 3. Annual Peranasga Rasa (AIIt). a. The tamh'Mnual Percentage Rate' may appear as *APR* m this from of this stdw"m. b. If the code P (Quarterly Prime). L (Ourndy LISCR), C (Quarterly CK a 8 (Bahkowd Prime) appears on the front of this statement east to the prbdk rote(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may coy quwtady and rosy naaa a deaara based on tin ahead ndCa, as band in The NMI Shut Journal, plus Me margin previously disclosed lo you. Thal dlerga will be selective mile and dry or your big period cured by your periodic aaameM ending in the months of January, April, Jdy and October. c. If the code Q (Monthly Prima), F (Monthly LIBOR), or G (naeway LIBOR) appears on the from of your statement mid to the periodic most tot periodic rare and oomespahdn8 ANNUAL PERCENTAGE RATES may vary mmthly and may noose a dearer Wad m the slated indices, a found In The Walt Street Journal, pis the margin previously disclosed to you. These charges ell be aftcd" on the fins day of your killing period each mad. 4. Aaasemra of Lae, Ovwfmk and Retained Pay Far. Under the terms of your aenmer epaaner, we reserve the right to valve r net to sane any lam without prior notification to you without waivkgourright to assess the ears a sknaar feaa at a le W dins. t 5. Reuwasg Vow Account. It a membrMp fee epees on the front of your Wakarusa, you hoes 30 days from the due this alwdent was mailed to you to avoid paying the five or to have such lee crashed to ys it you cancel your account without having to pay the r enberurip M. To canoe your account you must rusty us by CoRV our customer Raw- Oalabnent end Pay Yon'New Bsirros' In full (excluding the merttamhlp lee) prior to the and of tie Ik"y period. 8. Ryon Close your Account. You urn request to doe ywr account by calling our Customer Relations Depadenh. You must decoy your each cab(s) and armrs access deco, con" all Ixaauahoe"d bung and oast using your account After your request to date, if you continue to trained ar do not cancel proeuthoriaad bating morigarroma, "wall consider rasp ca dwp your w#Wt dm to keep your acowwt oprn. Additionally, your accountoral not be closed until you pay ON mrennts you owe us including. any transactions you have authorized, finance charges, paw due fees. awrama leas, matured payment face, each advance fees and any O&Wleaa easeaed to your account. You w responsible rr these amounts w halhsr they appear on your account at the time you request to dose de account or they are Incurred mbseguant to your request to claw ft account This may result In do opposing on your account after you have requested the ec 1 to be dosed. 7. Usng Your Account Your cord or account cannot be used in connection with any Internet gam6lkg transactions. 8. Roan About Blsourame Check Conversion. Wren you provide a deck as payment you a th rtm us edr to use idamidlon from your check to mow a one-rime eferkonk krM transfer from your bank account or to process the payment as a check transaction, whm we wo Ink mmatim from your check to malty an electronic fund transfer, funds may be wtiMrewn Ibenr your bank account a soon as tot ens dry we receive your payment, and you will not receive your check beck from your Ik,encial instaudon. BILLING RIGHTS SUMMARY (In Cane of Errors or Omissions about Your BR) If you drink yar bill is wrong, or it you read retire Information on a transaction a dl, win to co m a sepsran ~ a soon as Nubia N the address for Includes glow m the front of the statement We must her from you no nnr than 50 der altar we sent you the and oil on which the amnr a problem appeared. You con col our Cum RaWWs member, but ck ng a will not Preserve your rights. In your WW, give Lis ft following Infmnucin: yen name and account n~,, the dollar amount of iha suspected error, a description of the emor and an aplenafw. It poeebW of why you believe tiers Is an error or 8 you need more ktormok n, a description of tot item you ere unsure about You do not have n pry any amount n Women while we are Investigating a. but you are 80 obligated to pay the Daft of your bit Mar are not In question. while we Investigate your question, we cannot report you a daanalrhl or Ww my scion to collect IN amount you qusiten. S, t Special Rule for Craft Card Pwdwww R youhave a prodem with the quahay of properly or wvlees that you purchased weh a writ card and you have tried In good fah to carrel Ie phobnm well the Merchant. you may how the right not to pay the rerenkg anpwht due on the property or unless. You have this pronifim only when be, purchw price was mere than $50.00 and to purtm a wa made in your hone state a wit in 100 miles or your nsig addrw. Of wo own or operate dhs merchant a It we moiled you tha adwmament for the prop" or aeMst. all purchases re covered ragordba of amount or location of purchase.) Pleas remember to sign all cen opedaca. t Does ter apply to consumer norncrsdA card accounts t Does net apply b business, nortiwdlr card amounts Capital One support information privacy protection: sea our ratisea at Assgcdug2m. Capinl One Is a faarally registered service mark of Co" One Financial Corporation. AN rights reserved. 02008 Capital One 01 BC8a58 - 8.12121108 YhporasnNCO= Paykmk you mo b"coilWaedasdteyMKMWnddre busmudyarocs"L per (1)youeery/a teem peace dine succeed and your dnrk in In ktbw rkafiwee snoops coq(2)your per, as becalr, nourpr... ash by 3 p.m. ET (12 teen PT). Pew stew a cwt M (5) bwktee drys erpoM ducky. PWrAft rcached by e k coy Won s colon a in ay War bren may not as ceded as of ft dry we rec lve am. OurbwkN u drys am Matlrycrorglh Sesrdry,/clean h~. Paw tlo net wshplte, ppkdpu, 0. Man i pMgympyrae. When you ae a scsdgs), you onerera esmumaW"M elrsorb how%data knmyowbakao:asdkrasXWWdthrcoo. This atad SOUbr MsdsMalawi dmcg ISbig gdee"n perdu W stae eise. Aaearol pare tls caheisr, ysnr ereronus e n mw a tlrege agent yen Terre eocaaa rly tls Chack a lusper tlraR aaBobkaem. 500088 C.dl~Cae' I what's in your wallet?• it could happen to anyone. Make sure you pay the amount KAREN HARBOLD due on your statement as soon as possible. Keeping your credit in good standing can V'OPS 1 do a lot more than you think. 11 7GOOD CREDIT = GOOD CREDIT REFERENCES " behind BETTER INTEREST RATES (good credit could mean lower interest rates) s si: IMPROVED CHANCES To GET APPROVED FOR LOANS (when you want to buy a home or new car) ® 2006 Capita! One Services, Inc. Capital One is a federally registered service mark. All rights reserved 500008-08503 FINANCE Previous Balance Payrrlents Q Credits CHARGE Transactions Now Balance Minimum Payment Due Dale $3,028.83 - $0.00 + $57.77 + $39.00 = $3,125.60 $183.00 Dec. 19, 2006 Oct. 20, 2006 - Nov. 20, 2006 Page 1 of 1 e PURSE PAY AT LEAST THIS AMOUNT MadwCard Platinum Account 5176-M&7705141 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $374.40 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $374.40 Finance Charges (Please am reverse for important infomta0on) Baler" rate Periodic ConesKliding CHARG FINAK E applied to rate PArPmRt Purchases $1,555.19 0.05904% D 21.55% $29.38 Cash $1,502.73 0.05904% D 21.55% $28.39 AINRJAL PERCENTAGE RATE applied it & period: 21.55% ® At Your Sella 1.100.603.3637 To cad customer Relations or to report a lost or stolen card: ® Send payments to: Capital One, F.S.B -P.O. Box 70885 - Charlotte, NC 28272-0885 A Send Inquiries to: Capital One P.O. Bar 30285 -Salt Lake City, UT 84138-0285 Your acrounl is one payment behind. Remembm that making your minimum payments by the due date keeps your account in good standing. Further missed payments may be reported to the national credit humus. So make sure you send in the minimum amount due to keep your account in good standing. Payments, Credits b Adlustmonts Transactions 1 20 NOV PAST DUE FEE $35.00 2 20 NOV CAPITAL ONE MONTHLY MEMBER FEE $4.00 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 moo Capital One. 6056 506 1 7 19 061120 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3125600400000183006 Q riirOW what's in your wallet?. Account Number: 5178-0520-7703-5141 New Balance Minimum Payment Due Date C$3,125.60 $183.00 Dec. 19, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed . Capital One, F.S.B .11111111111.1n.111 P.O. Boz 70665 Charlotte, NC 26272-0665 11111111111111.1111111111111111111 11111 111 111.1111111.111 111.1 Please print address or phone number changes below using blue or black ink. Address Home Phone ARernate Phone E-mail address Q e9032542691147323s MAIL ID NUMBER KAREN HARBOLD 4529 ROLO CT MECHANICSBURG, PA 17055-5669 u1111a1111nn111n1.1u1.111u111111.1.111u1111r1um Please write your account number on your check or money order made payable to Capital One, F.S.B and mail with this coupon in the enclosed envelope. 1. Now 10 Avoid a Finance, Charge. t a. Greece Period You v#111 how a rnbamum taco period of 25 dap uMwut Itrunce charge on new pu cerses, new balance random, new special purche scat and nsw other charges ti you pay your total "New Bathre", in accodams with she Important Notice for paWrwl4 balm. and In fine fors to be -- IN by you next stebmern ckwmg date. There I. m grace period on rash advents end special transfers. In addition, there Is no Woos period on any transaction it you do run pay she tosi'thaw bell.- b. Accruing Fkrnoe Charge. Transactions which are net sublect to a gace period w soused finwoo charge 1) From she data of the transaction or 2) horn the deft the transaction Is processed! to your Account or 3) from the first calerder day of tlw orrren baling period. Addtlorty If you did not pay M "Neer Solana' from ft previous belong period in full. fiance charges cadnus to scone to yarn mpaid bWw m will fir unpaid balance a paid in W. The mass that you may so owe finance charges, even a you pay the mere New Balance Indicated on the from of your ateterrunt by are nod SW Wmm dosing date, but did not do so for cite previousmonth. Unpaid fire- drapes are added l tit a l' bit segarkint of your Account. t c, ieirrar.ae Fnarree Chage. For each belong period its your amout Is sulij" to a theses charge, a rvarantuan total FINANCE CHARGE of lO.60 vN be irrlpossd. t d. TamaPeray Mdudlan to Phwace Charge. Yet reserve the right b not assess any a all hhwce charges for my given berg Period. 2. Aworage Deft B.rnm (kckNi g Navy Ptarchooket). Finance charge Is slou!" by maliti ft the doily balance of each segment Of you amount *B, Cash sdwnce. purchase. ePe I tomb rid spacial purchase) by ire corresponding doily pseiodl, ate(s) that has been previously disclosed to you. At 0w ant d each day dung the baling period. we apply ft day periodic rate for each sawnent of your Account to the day balance of each sagwm. Then at the and dew Wh1g period, was add up the remits of terse daily calculations brow at your periodic thwnce charge for Bach segnert. VN add up the rawles even each segment to scrim at the Will periodic Marc, dmrge fa your sco ml To ad to daily balance fa sash as yna t of ywa.worm,was Mksthabegtnk hatermos for won asgmert and add any nosh ft1Ydkins wary Wodic manta charge cliaaased on she previous dwA balance for that wgnrm. Was Mw subtract any payrwas or oleaa Pastsd as of 110 day that am allocated to lad earners. The gives us the *operate daily balm= for each aspnroM of your account. Howawr, If you paid are, New Balance shown on your previous semmsm In full (or If your new be]- was Z or • aedil amour), new t aneacli which pool to you purchase a special Purchase segn.cs are not added to the dally balances. Ne csictae the average doily wtence by adding ON iha dally belances together and dMdii the am by the nur bor of the days in the current billing cycle. To ululate you total finance charge, multiply you waregs day baahw by Me dsly pariadic rVo and by ors nurnber of days in the bill%parlod. Dos to rounding on a deity basis or due to mlrarrerIs MMnee charge aseesemont. there may be a variance bob~ thte cetralacn and the amount of finance dwgs acLtNy assessed. 3. Annuet P-nes to Rates (APR). a. The berm "Annual Percentage Rant" may appear as -APR- on the front of this auYmaft b. If the Dods P (OuaMiy Prime). L (Curtsy LIBOR). C (Quarterly CD), or 9 (Bw*wd Prime) opposes on the front of this stetement nod to eve periodic rate(s), the periodic rats and wrteapoMing ANNUAL PERCENTAGE RATES may very/ quarterly and may IfICNm adecrass based on the stated Indices, as loot In The Vast plus the no gin provluey disclosed to you. These changes vA be efectlva on tit that dry of you bON period covered by your periodic stemcmrn andbg In the mon8ro of January, April, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Tresaury LIBOR) appears on do from of your sewbutuent nsd to the periodic rat(a), Me periodic rows, and mrtasp. rig ANNUAL PERCENTAGE RATES pry vary monthly and may Inasm ordocrosse based on the Voted Indices, sat load In The Wall Sued Journal, pan ft magi. preNolhdy disclosed to you. Them changes wBl be elfood" on the first day of your b 4N period asch mot. 4. AasaaomaM of L cis. Oweinal OW Ratsmed Peytmnt Few. under the temp of your cvalrnsr ngraerthett, sou reserve the r" to waive or not to assess erg fees vtMwt prior notl&ricn toyou Without walrtgourrightto assess lit era asmierteas at• IoW ante. t 5. Retnenbhg VburAtadad am membership fur appears on the front of your datented, you haw 30 dap from the data Me demmam was malled to you to wood Paying me tee or to hues such fur traded to you a you concal your account without having to pry Iha nrnlberdtp be. To coned your amain, you must ally us by boiling ON Cum- Relations Dep stniont and pay your "New Batence' In full (excluding the rhwrhmbsnMp fee) prior to tlw w or do thbly-Bey period. 8. NYOU Clew Your Aoeaanl. You can request to does your account by calling our Cuacmer Relations Depsrbnsnt You mud destroy you credit cod(s) and account auras crow, cancel all ptsauMaiad bMng and cope using your account, After your request M clw, 0 you continue ho ftneW or do not cancel presuhorisd Wing mongernonla, we wall catdes fecal da charge youautlwtraten to keep you account pan. Additionally. your amount wall not be dosed until you pay a amounts you awes us including: my tnnsectlms you have authorised, fiance charges, pad due few, overNmlt Mes, returned payine t seas, ash scarce tees and sty otlrortes wsewed to your account. You are responsible for these amounts vow w Oft ap own on your account at the lime you request to cats the account or they ere incurred subsequent to your request to close ft account TNs may result In dwtpas appaetkrg onyour amountafter you hew requested the account to be dosed. 7. Uabg You' Account. Your card or account canna be used in connection with any Internet gornaling transactions, 8. Notice About Electronic Clock Convefelon. NMw you provide a chock as payment, You authedae ua Behar to use Wonnegon hen your dhlck to made a ono-ems dechr-l : fund saMerham your beNk ricocurd or to Probate; the payment so a ch.& transaction. When was use Infonnallon son you crack to make an electronic fund transfer, coeds nwy be wetsawn horn your bank account as soon s the asrrro day was rsadve your payment, and you wsl not mcalve your crock book from your Ilnmolal bntladion. BILLING RIGHTS SUMMARY (In Cam of Errors or Lund" about your BPI) It you think your bill Y wort, or Myer mad mono Information on a batweWon a bW, wnte to s on a sepwvM shpt as som as possible at ft aEeress for InquirNS shark on Me amt of into sWtemwlL We want hear from you no MMr own 60 days Mar we send you ft that bill on which the error or Problem appeared. You con W our Cuabmer Reladms number, but doing se will not Preserve yes rights. In your labor, gave us eve fobwag Informstlon: you ante and amount nunber, the dollar amount of the suspected error, a dowAstln of the error and erh aplaroeon, If possBM, of why you beltew two Is on error: or If you uasd pas nfo m 0m, a description of the Rom you are unsure sbwL You do not have te pay any amour( in question whine Yle an InvskoV a, but you are sea cblostad to pay the parts of your bit thou are not In question. While w Imstigets you question, M osend report you as drnquent a tetra any action to collect ON arnmat you question. S, t Sped Rule for craft Cad ft c If you have a problem with the quaey of property or st rvlw thm you purchased Yeah a area cant and you have MW In goof fah to cored an problem WM M m al or , you may, haw the fight not to pay tiw remalnhg amount due on iha properly or services. You haw Mla praMdlm only when ere purchsae price ass more than (50.00 and the purchases mss meats In your horns dale or Worn 180 Riles of your ina tlg address. 0f M own a opaeM the nrerchars, or It was ,peed you fro sdwNmmsnt for ore property or tw rvices, oil puorses are covered regerdes of emoted or lceaon of purchase.) Plainer remember to sign oil WMOIPMKW-• t Does not apply to consumer noncredit card accounts 2 Does not apply to buiensa mmcfit card amounts Capitol Oft supports information privacy protection: son our wallaft at vninex . Capitol One Is a federally registered service nun of Capitol One Financial Corporation. AI rights reserved. O 2088 Capitol One 01 BC8056.6.12!21/06 balms 1171ea: Paplsoyoumltoww8osassedteywraawWscloshesmedryasMD"ILPIM (1) you seed the open pores cihb adexWaaed yarded Ineewldoled msswce wwwapa aed (Ztyou IMYmwi to received I now, Dndashhg tamer by 3 pro. ET(12 noon PT). Peas stew It haweve(6) eaYess dys lar posts d*my, PaFnsudscoived bywwtryNereo I ale aN shw rem my cot be aefed s one day w ante item. QrhuYmam dap re MondryMnupt 9atudy, aohdng teldsys. Plesedpradueunpes,prprdp.arc.wMnpraI -yowpapsi.When you red wadredds), you memo teemmaceoomws dedmk talsirdoNh onyourboicactdrterthe ornentadodid.This &Ah*Wmappesmd dntts relived&"Ion being %d* emu asnl by eomwesse. dwonnOt Pricers she bin$W. YOU Nft to er l won a dour apYW your bull $Mfi erYg tls deok a paper drat or other mm. LET'S TALK - WE'RE HERE TO HELP 500009 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 wwwcapitalone.com. 02006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. FINANCE Previous Balance Payments 6 Credits CHARGE Transactions New Balance Minimum Payment Due Dab $3,125.60 - $0.00 + $70.70 + $39.00 = $3,235.30 $280.00 Jan. 19, 2007 Nov. 21, 2006 - Dec. 19, 2006 Page 1 of 1 e PLEASE PAY AT LEAST THIS AMOUNT Mu*Cwd Platinum Account 3178.11IM770&5141 Your Account liftmtation TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $264.70 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $264.70 Finance Charges (Please see reverse for important information) Ban??toe Periodic Corresponding CHARGE FINANCE Purchases $1,627.01 0.07712% D 28.15% $36.39 Cash $1,533.92 0.07712% D 28.15% $34.31 ANNUAL PEttCENrAOE RATE applNd this pNlod: 28.15% ® At Your Service 1.800 003 3837 To call Cuebner Relations or to report a lost or stolen cred: ® SNW payments to: Capital One, F.S.B -P.O. Box 701185- Charlotte, NC 28272-0885 ® Send kieluirles to: Caplal One -P.O. Box 30285. Soh Lake City, UT 84130-0285 You're behind by Im payments. Let's talk. d yomi re having financial difficulties and can't make your minimum payment - we want to help. Let's work together to find a solution that works best for you. Give us a call at 1.800.955.7070. Payments, Credits 8 Adlustments Transactions 1 19 DEC PAST DUE FEE $35.00 2 19 DEC CAPITAL ONE MONTHLY MEMBER FEE $4.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased swore your account was pest due twice in the past 12 boring cycles. R your rates have already Increased, subsequent deamquencies a derided the duration of the Increased rates. Remember. 0 we receiae your minimum monthly payment on time for 12 consew8ve billing cycles, this account will be reviewed for a possible return to your Nonlntroduclory APR. You were assessed a past due fee because your minimum payment was not reoeived by the due date. To avdd this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to react) Capital One. 6056 506 1 7 19 061219 PAGE 1 Of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3235300400000280002 whets in your w?kt7' New Balance Minimum Payment Due Date $3,235.30 $280.00 Jan. 19, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One, F.S.B P.O. Box 70665 IEIrPlllrrrrPrlllrlrrl Charlotte, NC 26272-0665 Imr611rdrrrldlrmrLTIrIILrTl,ddrdrmLLLmLTIJrmImLl Account Number: 5178-0520-7703-5141 Please print address or phone number changes below using blue or black ink. Address Home Phone AlWn rte Phone E-mail address 09035442691197323• MAIL ID NUMBER KAREN HARBOLD 4529 ROLO CT MECHANIC SOUR G, PA 17055-5669 rrr116rrIlLrrdTlrrLlrmLLlydml,TlELlrrmdrllTl,rrrr Please write your account number on your check or money order made payable to Capital One, F.S.B and mail with this coupon in the enclosed envelope. CAPIWOM" I what's in your wallet? KAREN HARBOLD 1. Nor b A rid a Finance Charge. t a. Grow Period. You will law a ralntmum Race period of 25 days wtheut 11rvnce charge m new purchases, new balance transient, new special purchases and new other charges g you pay your total' ow Balms', in aOWldalaa with the Important Neer for payments below, and in time for It to be aadked by your ram stso mwa closing dale. Then k oo Rare period on rash edveves and special honest . M addbm thou I. no grace period on my hasaaion if you do not pay the told'New balance.' b. Accruing Finance Charge. Transactions which am not BkAlect to a grace period w assured fimnce deep 1) hen the data of are ba soogm or 2)from the data tiro transaction is proome ! N your Aooaum or 3) hymn the to* calendar day of the chmant bating period. Additionally, If you ad net pay the 'Now Beans' from dne pmvlonr biting period in all. Mahn charges cams to accrue to your unpad be arice until the unpaid badancs is pod n fur. The means that you may MN owe finrro" charges, even If you pay the ode New Balance Indicated on to hen of your -element by the std abbment closing dab, but did not do so for the prenws noth. Unpaid bans charges am added to #* "*Vtoble segment: Of your AOMM. t c. Minimum FInsrnea CArp. For each Wing period net your atallri Is subject to A ghasaa. , n amkftm Idd F ANCE CHARGE x$0.50 ail be Imposed. t d. TonprWy ReftOd n In Flbws Charge. Vile resew tie right to not Mesas any or at dews changes for any gNen bMqpwW. 2. Awwge only Balance rynelaaing Haw Radhma4 Fkaaas charge is o kuWad by m ul p fang the dolly beano" of each asphwd of your account (e.g., cash advance. Purchase, special smaller and QPWW purahm) by the sneapsndio day periodic rate(s) Nixs hes been Previously disclosed to you. At the end of each day dung the bating period, we apply the dolly parlcAc rote for each saReent of your aaaea to to dally hence of each segment. Thom at IM and ant NOW period, we add up the rods of those doily calculations to rive at your pesdc Mena charge for each esgmamr. Y% add kW the rwdb from each aeRhwt to antve at the leas patladk dews charge for W loco nt To goo b day balance, for each segment of youraccoraR we tsar the bagInesg betas fa esa, seances aw add cry ne the dlor ant aril pakwlc frnarres chrq rsksts;ed on m the PreYias days balance b Bat esRMlt. We than alaact my payments or credits peed r of that dry that am allocated to the sernent That giros s an aeprau day balamo hr each sagnsm of your scaunt. However, If you pall the Now Balance shown on your previous saes am in rut (a tyour now We- wee zero or a c.& amass), new Issaatlw, which post to your purchase or special purcase aeRfNMS w not added to the dally balances. We csallae to average daily balance by adding es to dry bakmoes agents and dMcling the arm by the number of the days In the current biting cycle. To calculate your tot teens charge, mushpy your avenge daily balance by the daily priodi roe and by to number of do" M the bong pwW. Due to rounding on a dally bask or due to minknum finance charge a soar cent, tam may be a varounce between Oft calculation &M the amount of finance largo aceurly messed. 3. Anmwl Pelesnllage Rare (APR). a. The arm wAnnusl Pw0entage Rae' may appear w'APR' on the hors of the statement. b. If the cods P (Quarterly Pdmej. L (Ouorbrty LIBOR), C (Quarterly CD)• or S (BrYVard Prima) appears on the front of this aUMment next to thr periodic rat(s), the pwioac rase and corresponding ANNUAL PERCENTAGE RATES may vary quo" and nay Increase or decrease based on the siWd Ilaces, as food In The Wall Street JomW, plus the margin previously disc mad to you. These "rqa sal be effective on the first day of your bldg period raved by you pslodc statement ending in the monde of Jaxaary, April, Jay and October c. If the code D (NmMy Prime), F (Monthly LIBOR), or O (Tes ury LIBOR) appears on Nine from of yow statement mid to tot pedodo raWSL the pededo efts and corresponding ANNUAL PERCENTAGE RATES may wry monthly and may imrease a deaaew bred on the steed Indlse, as found In The Wall SMt Johns, pleb the margin pwAousy disclosed to you. These clo ges will be al **m on the fist day of your biting period 000 month. 4. Aaprarad of Lab, *4~ aid lLelrarred Paynhan Far. Under the terms of your aefOmnar ageraeM, aro meerve that right to wahe or not to aeon any feet vallu o priornotMsllon to you without solving ourdghtto assess the s assntarimaraLOWIma. t5.1111 erftwftg yLwAeoaat t a manbral lea sppese on the ham of your as orem, you cow 30 days fro. fie data Nina statement was nwiled to you o avoid paying is fee or to has, such lea rfadted to you it you arrow your sxwr without hndrg to pay the m arbertp fact. To cage your account, you must notify us by calling our Customer RNatler a Depamtrtand and pay your'New Balane In full (excluding the membeoNp fee) prior to the and of M f rtyd y period. 6. N you Cleft Year Aeweuas. You can squeal to dm your account by calling our Customer Raaaone DWartmeet. You moat destroy your uadt sod(s) and accord mossy checks, cormel all pmewthorizes biting and awes using your account After your raquW to does, if you conMUS to transact or do not canal pmsuthedzed bang mongemmts, we WI corelIne recap of a charge your authorization to keep you eccourd open. Additionally, your account will not be closed until you pay all amounts you owe us Including: any barresctlo nn you have auterized. Nance charges, past due feet, ovaMms ft". me~ payment tees, rash advance fm and any other loss aausssd to your-vaunt. You an responsible for these amounts wilather Isy appear on your account at the lime you request to does to account or they am Inomed wbsaqumt to your request to dose the account, This may resat in croups approving on your account after you have mQUSSted the account to be dosed. 7. Using Your Aasunt. Your card or account cannot be used in connection with any Internet gandoling 8. Nally About Electronic Check Conversion. When you provide a deck as payment, you sulhortm us ersr to use information from your check to mske a one-firm electronic had Do rate from your bank avant or to process the payment a a away transaction. VNwn we ues infamadw ram your 1 1 In make an slochornic fund transfer, funds may be will~ horn your bank account n soon as the sane day we mosw your permits, and you will not roost" your deck beck from your financial InadLtion. BILLING RIGHTS SUMMARY (in Cm of Errant or Ouwtlaa about Your &I) If you think your bill Is w e% or Nyou need more IMormakn on a t u ambon or bill, wits to w on a separate sheet as scan as paaetYe at the address for inquires shown on the front of tots aeNmahL We mass: her from you no War ten 50 days ant we urn you the firs bit on which the error or problem appeared. You con call our Customer Relators number, but dokg es will not preserve yourdghrs. In your latw, grw s tho following ksormatim: your assure and account number, the dollar amount of the suspected "nor, a descrplon of the env and an expenadom if possible. of why you bottom Intro is an env: or If you need mss Wo matien4;; ¦ description of the item you aro unsure about You do not b pry any amount in question when we am ewntlgMNg t, but you are tall obligated to pay th e parts of your by fie are not In question. While we Investigate your question, we salt report you as ddn*-d a aka any action to collect the amount you question. x, t Spedal Rule for Craft Card lourchosew tyw here a prohlen with the quit' M property or services that you prWesed with a credit cord and you taw bed In good Nth to coma thus problem with the merchant, you nay tow the right not 10 pay ft remaining anhourt due an the property a serNOS. You haw No protection only when the purdwas price was more ten $50.00 and the purchase wee made in your home state or within 100 mien of your roipg address. Of we own a operate the mwohsnL or If we MOW you ft a Jumbo rnent for the property or eeMces, all proses we covered regadlsss of amour or location of purchase.) Plesas remember to sign all oaeepawehes. t Does nor apply b canau nor non-credo card secows 2 Does not appy to business non cmdt card accounts Capital One supports Information pdwcy prasc ion: see our wbeteat .tag. Capital Os Is a federally registered service mark of Capitol One Financial Corporation. AN rights maerved. O 20M Capital One 01 BC6056.6.12121106 A gaint sows: Paymes you notbwwNiaaeAedayeratmuaaante tsaarw dayeemaehe t, pmcoidad(1)youso4Bm brim Petis Of ft rbees and your dock Who endod miss owkps and (2) you paymas k soaked In arpowag corer by 3 p.m. ET (12 roan PT). Pleas sow air the (5) blaloft day; for pwtadeNay. Payments mcol d by us at shy othelosftn or In any ow form may mat be peed a amt my as mcoie ran. Our bust oar dye w army 9=0 Saw", wouding holders Plowdonotusstela,pepeap,eo.when preI ywwpepnea.waryou PVIdeadallkaPlrnKyouoctantbWWtDcon kfaneen ran your dadrtw mab a mo&m deracob Las boWwtoe yorw=Mwo pecoa to psymmmt m a dmocktramearginr. Whenwwkbnnmmtomyowdaduom oow ekcoaI hawseine, hinds maybe wedSa banyorsrxourutersoonarothesame day sat mmom your ppnw, and you all not mcawo your cued bade from your Mowed keiam. One' I what's in your wallet?' 5ooolo MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our fm check by phone service or speak to an associate by calling 1.8010.955.6600. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 500010.09503 FINANCE Pmvious Balance Payments Nk Credits CHARGE Transactions Now Babnce Minimum Payment Due Dab $3,235.30 - $0.00 + $78.28 + $39.00 = $3,352.58 $380.00 Feb. 19, 2007 Dec. 20, 2006 - Jan. 19, 2007 Page 1 of 1 e KEA4 PAY AT LEAST TM AMOUNT tAaslefCard Platinum Account You're behind by three paymeilts. That means you are temporarily unable In make new purchases or get cash 51760SZa7703Un advances. But you can regain your Capital One charging privileges and bring your account back into good standing by paying the amount due on your statement. If you're having financial ddliculties and you're feeling Your Account Information overwhelmed - we ;rant to help. Give one of our associates a call at 1.800.955.6500. You'd be surprised what we an do together to work this out. TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $147.42 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $147.42 Finance Charges (Please see reverse for important infomation) Balance rate Periodic CaresQ ing FINANCE applied to rate AAIP'R CHARGE Purchases $1,704.44 0.07712% D 29.15% $40.75 Cash $1,569.91 0.07712% D 28.15% $37.53 111ANNUAL PERCENRAGE RATE aOplbd 1Ms period: 29.15% ® At Your Service 1400.803 3e 17 TO call CAUner Relations or to report a kkst Or stolen card: ® Said psyme ft to: Capital One, F.S.B -P.O. Box 70886- Charlotte, NC 28272-0995 e Send Ir quids to: Capital One P.O. Bak 30285 Sae take city, UT 84130-0285 Payments Credib 3 Adlustmelds Transactions 1 19 JAN PAST DUE FEE $35.00 2 19 JAN CAPITAL ONE MONTHLY MEMBER FEE $4.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in 0ae peat 12 Ming cycles. R your rants have already increased, subsequent del6ptlendes ederided the dunalbn Of the increased robs. Remember: R we receive your minkrtum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible realm to your Non-Introdtcbry APR. When you provide a check as payment, you aulhaae us aber to use infonnetlOn from your creole to make a one-time electrons fund transfer from your account or to process the payment as a dw& transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. You were assessed a past due fee because your minimum payment was not received by the due dale. To avoid this fee in the future, we recommend that you slow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 7 19 070119 PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3352580400000380005 OW what's in your wallet]. Account Number: 5178-0520-7703-5141 New Balance Minimum Payment Due Date $3,352.58 $380.00 Feb. 19, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount: Enclosed Capital One, F.S.B P.o. Box ]alas IrIrrlllrrrrlrlPllrrrl Charlotte, NC 21272-0115 IrdJlydrrdrllrrrLPIPIILrrlrrlrl,rlrr111JrrLrLlydJd Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone s9002042191177320a MAIL ID NUMBER KAREN HARBOLD 4521 ROLO CT MECHA'ICSBURG, PA 17055-5819 rrrlllrrrlIII rIII III III lrrlrlrlrrlrlrrlrlrlrrrrlrllrlrr111 Please write your account number on your check or money order made payable to Capital One, F.S.B and mail with this coupon in the enclosed envelope. KAREN HARBOLD 1. Roar as Avoid a Flnae Charge. t e. Oraea Period Vice %Wl have a minimum pace period of 25 days washout lhance charge on raw purchases, new balance Various, new special Wmhsee and new other charges If you pay your IoW 'Now Bosoms', in aaoudance with lie Important Notes for Personal balm. and in ices for Ilan be cradled by you not $Mbmad dosing des. Tars I. no pace period a aeh advances and specil smaller . In adduce, lies Is no grace Period on any transaction if you do not pay the total 'New balance.' b. Accruing Firasee Charge. Transactions much am not naiad to a grace period are asse s ed finance charge 1) horn go dole of as Vanrc non or 2) Van to dal the Vivisection is processed to you Account or 3) from he find calendar day or the aamnt billing period. AddkrWl% If you rid not pry to "New Rahnce' nom the previous billing period in full. M1lehce charges oodna to accrue a your unpaid brans Load as unpaid balance is pad n WI. This mega that you may sou ours taae derges, oven It you pay the entire Now Boonce Vdkalsd a the hat at your Malamerd by the next eMerv nt comp date, but rid not do so fortie pevious na " Unlald lirence cufrges ere added to ft app I bu $WWMt of your Aaont. t c. Mnkraamh Pbreha C11aga. For each Wag Period OW your eraoas b Ktoa l n buns drugs a nilrisen tow FINANCE CHARGE of$0.60 all! be t d. Temporary Methodism in Flosake Charge. Wa sane the rigid to net eras my or all bnerae charges for any given bang period. 2. Awraga 0MY Ekd n" fook"AIf war Pwde 1. Fnence charge is cohAs d by multiplying iha daily balance of each eapnent of your account (ag., cash Advance. PavAw, special NOW& and special purchase) by the co spahdkg duly pedodc mtap) Val hr been previously dtdoaed to you. At to and of each day during the bang period, as apply tho daily periodic rear for each aepnent of your-two to the daily hot- of aech segment. Than at be and of to billing pMod. ws add up to results or thw daily calculations to anivs at your Periodic finance charge for each seginet We add up se minas ban each ssgirrdb sane at the wet perndip Mane charge for your account. To get to daily balance for each segment of you e=m%as bake is bagknkg belaros car eedh sopmet as add any nwvtrena c iaa and any Pebd, brae change rabbeted on tie Prwiaus daycs balance for tatedg ra We then sussd arty psymrs or roe I passed as of that dry hat am allocated to that segment This ghee ue to "Pemba daily brros for aeon sag n cat of your account. However, a you paid t New Balance shown on your previous statement in full (or ayour new baace was zoo or a credit smut). maw ieascbwr, uthlch pod to your Purchase or special pu nchom sapanls -,M added to to dairy balahos. We calculate, tlw average dry bWrhoe by adding M the daily balrVae together and dividing the sum by the number d the days in the current biting cycle. To calculate you told Menu charge. mulepy your aaarage dry t aimas by ale dais periodic nor as by th nunnber of days in tie M" Period. Dom to founding on a dry basis or due to rtkit I on bens charge saewrrm. thee may be a wriona bebrsen lies CRICUM n and the amount of finance charge aofrslly Avoid d. 3. Anm of Paranlaga Rom (NRl- a. The i mm'Anmust Paromnagp Ras" may appear r'APM on the had of this statement. b. If the tide P (OaMy PdmvZ L (cuarMriy LIBOR), C (OwMly CDt or S (Briard Prima) appears a tie front of this alswnenf next te ft periodic nde(s), lie Perlcdc rase ant corresponding ANNUAL PERCENTAGE RATES may wY Wmariy and may ncrsae a daasea bred on .bumr, plus the stated indices, r led in The Wed Street is nugn psNauay disclosed b you. Terse dhargM vdp be aasedw on the ber day of your billing Period caveumd by your per' ' stetemMd ending In the mama of Jamary, April. July and October. c. if the code D (Monthly Prints), F (Monthly LIBOR), or O (TSaaay LIBOR) apposm on tie from of your SaWnwg next to the periodic Wa(s), the periodic room and corresponding ANNUAL PERCENTAGE RATES may wry rnanlhly and may kmaaee or decrease bond on the awed indices, as found in The WON Steel Journal, Plus the disclosed norgint previously eaactva on the uet day of your bBYg period each r.M 4. Assessment of Lau, Over" and Robmned Par-" Few Under the lamb of your cAWnr agmenrd, arm reserw to rigid l waive or not to raves any far low prlornoMaaa to youwahadwrvtgourrlpMbasre Low Bare Of skdla r uses st• bureme. 15. Reaming YslrAaasat. a • treabr" fee appears on cow from of your dMBmard, you have 30 days horn the doe dos sueenam who scud to you to avoid paying the fee or ar have such fee cradaed te you t you error your acectet Mead havring l pay gar nrraeshq fee. To oerhcel your soaen, you must notify, us by CoNV our Cud omer Rol ons Dependent and pay your 'Nenv Balance In full (excluding she mambemtop fee) pdor to to and of fine ahMyday, pehed. t. RYeu Close Yon Aaound. You ran request to does your acmten by calling our Cueas arRraba Dgasnat. You mud destroy your oredl cord(s) and account saw duds, anal as gseWhori ed biting and ours using your aaount Ana your request to doe, a you continue to transect or do not cancel preautadored bane mango eats, um wen consider rm* of a drags your satirized-ar keep your account open. Addaio aly, your account WI not be deeed until you pay all mama you ova us including: any transactions you haw sthMzed, finance chaps, Pas due fees, cvedma fees, reamed Payment lass, cash adwma fuse and any other fees sawed to your -M. Ycu tie responsible for these amounts whether gay appear on your scooted at the time you request a dos the account or cosy a no kwrted subsequent to your request to dove the account This may result In drgse appearing m your scscum after you hew, mourned tine account to be dosed. 7. UsMv Year Acsetrnt. Your card or aaoont cannot be used in connection with any Internet pasting arMadion t. S. Nobs About El ' , Is Chsk Comrersiom When you provlda a clack s payment, You arahosa us eahar to use information from your deck to male a ona4rno elearonlc fund trareferaam your bank account or to process ft pymsnt as a deck tmnsedton. When vs use Infor , aft from your check to sae an ekkAronlo Mond tenter, "a may be Mahdsm from your beak mownt as scan as to acne dry W scene your payment. and you wil not receive your check back from your financial Irgdkleon, BILLING RIGHTS SUIMAARY On Cw of Emus a Questions about Your BR) If you think your bill Is wrong, or If you need moo Information on e transaction or bill, wets to us a a sapaste rant as soon as paaetoe at Pro address car inqukfr anent on lire hat of /his atearnnent. Ws rmet hew from you no ish r than So days spar we earn you to find de on whnh the error or prohlwn eppearse. You con tall or CaWner ReuSae number, but cling so ws not preserve your rights. In your labor give us am beos+g kdomWon' your name and scams n~,, are deals amount of the suspected error, a description of the anor and an explanation. If pose. , of why you below two Is an error; or S you need roam mfennetbn, a dsofptim of the tan you am unsum about You do not haw to pay my arnount in question ahls m am hvstlgwng If but you are dill obligated to payee pare of your bit that am not in question. WMU aq Investigate your question, we cannot reps you a dean fluent a take any action to rolled the anont you question. 3. t Special Rule for Coda Cad %Wd If you hew a problem won the quality or pop" or wvkes that you purchsed ant a credit cam and you haw tried in good *in to tarred am pr blo. wish the man hrd, you may cow the NM not to pay tie reneni g amount due on fine Properly or aervkes. You have We pmtiod n only when to purchase price vas nnom then $50.00 and to purchase was made In your horn ataM a vd6vn 100 miles of your foolig address. Of war cari or operate the mwchant or it we maned you tie advererment for ere property or services. air p rdrws as covered regardless of amount or location of purchase.) Piss mmwnbw to sign all C&T-P-Aler-• t pea not spicily to consumer rxtntmcft cod accounts, t Dos not apply to business; none cft card soco ns, Capital One supports Ink ter atla privacy protection: w fir wmfmlts at %mocaudedurks. . Capitol One b a fedendly registered swats mark of Go" One Financial Corporation. AN rights raswwd. O 2008 Capital One 01BC6056-6-12121M upomnrt Iblke: Faymenb yce and to a all be dosed b per scmwa a of tla baits drys moetre a, porded (1) you end the bosom pWm offs sU*nW and yordneck afhewcbard minftm wwdW ad (2) you,pWM b mo*W n dal pmcwdg cooler by3pm.ET(12son PT)PteaardmrdlawM(5)badedaysbposWchary. Pay IN mahadbyodanttivar Ion crn sN oarr ins may sot bo mdVAd w dlhedsys make emm orbnr dysam Mm* Mm* S"*, oddfrg hoWA. PleeNchriol neespaPles, paprdpa, Mc.wan praI I ympaynt WhmyoupraddeadmdarprmwntympAbOnoWwtotam hdanYon from ycurdmd to MGM a medme dedrcolc sod 6amlakan yateammrm fib prima tam proems s a dock traoscuon. armwemnb,oft fromyordmdtsmakemdssamcMdaosis basivyburwbderafmmymrwcadmsoonwtieass day war moeke you, payment. and you will not move your clod beck from your financial WMWJM. One` what's in your wallet? TAKE CONTROL OF YOUR CAPITAL ONEO 500011 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 ftg check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capital One Services, Inc. Capital One its u fedrnsUy registered service mark. All rights reserved 500011-08503 FINANCE Previous Balance Payments b Credit CHARGE Transscdor s New Balance Minimum Payment Due Date $3,352.58 - $0.00 + $81.12 + $39.00 = $3,472.70 $484.00 Mar. 19, 2007 Jan. 20, 2007 - Feb. 19, 2007 Page 1 of 1 PLEASE MY AT LEAST THIS AMOUm MasbrCard Platinum Account 5176.0524-7703-3141 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $27.30 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $27.30 Finance Charges (Please see reverse for impoorrttaant:dormel ion) APR dsg FIPME Balance applied oro Period rreleK Come Purchases $1,785.12 0.07712% D 28.15% $42.68 Cash $1,607.78 0.07712% D 28.15% $38.44 ANNUAL PERCENTAGE RATE applied this period: 28.15% You're behind by four payments. You still can't make any new purchases or cash advances on your account. But you can still regain your charging prWeges and bring your account back into good standing by paying the arriounl due on year statement within the next 30 days. Unfortunately, d we don't receive a sufficient paymeni, we may have to permanently suspend your charging privileges. Peed help? Give us a call at 1.800.955.8800. Well work together to see what your options are to rebuild your account status. Patirments, Credits 3 Adlustmtents 19 FEB PAST DUE FEE 19 FEB CAPITAL ONE MONTHLY MEMBER FEE $35.00 $4.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was pest due twice in the past 12 bating cycles. 8 your relies have aheady increased, subsequent degnquencies eraterded the duration of the increased labs. Remember: N we receive your minimum monthly payment on time for 12 consecutive being cycles, this account we be reviewed for a possible return to your Non-Introductory APR. ® At Your Servka 120ae03 3637 fee because To call Customer Renaars or to repot a lost or stolen cad: You were assessed a post due 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. ® SWW payments to: CWW One, F.S.B P.O. Box 711885 Charlotte, NC 29272.098.5 " Please Nob •'• Some of the tem18 of your account are changing. Please read the enclosed notification. A Sandi Inquiries to. Capital One - P.O. Box 30285. Sea Lake City, UT 84130-0285 6056 506 1 7 19 070219 PAGE 1 of 2 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3472700400000484009 ??' what's in your wallet?' New Balance Minimum Payment Due Date $3,472.70 $484.00 Mar. 19, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One, F-S-B P.O. sex 7obbs ILIrsIllrrrlELrllrrlrl Charlotte, NC 28272-0665 IrrIrILPIrrrLllrrrLPIJIIrarLddrrlrrldJrPlrrLLdrLI Account Number: 5178-0520-7703-5141 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address @ e900S142891197325s NAIL ID NUMBER KAREN HARBOLD 4529 ROLO CT MECHANICSBURG, PA 17055-5869 rrrlllrrrlllrrrrlrlrrlrlrrlrlrlPalIIIIIIlBill r#hIIIlrrrar Please write your account number on your check or money order made payable to Capital One, F.S.B and mail with this coupon in the enclosed envelope. KAREN HARBOLD 1. He, to Ameld a Finance Charge. t a. Grace Prloi. You will hew a nhihnwm grace period of 25 drys without Arrence charge on rare, purchases, new balance irralars, new spacial purchases and new oher charges N you pay your laW "New Balance'. In accordance wile the Important Nags far payments below, and M hne for it to be aedled by your neat relmai t dosing date. Thee m no pace period on cash advances and special btramlm, In addgm, dal b o pace pwod on any transaction of you do not pay ft total "New bounce' b. Aeaung ILance Charge. Transactions which are not erhhisd b a gran pedod w aseeased fiance durga 1) from Me dale r to bruadon or 2) tom the dale the tramaadlon is processed to your Account or 3) from tie first calendar day of the antra h/rp poked. Addtireily. N you rid not pay the "New BaWme'tam tie previous tilling period In U, tnance charges confine to accrus to your unpaid balance uasi tin unpaid bsuerhcs a pad n fut. This mums that you may sail owe llnarde charges. awn If you pay are antM New Balance indicated o the from of your statement by the neat element coma doe, but did not do W for the pm-x a nosh. Unped fream charges are added to the spptable ssip ent d yourACCam. t c. ANnk s Phrrres Charge. For eerh M" period that your acceum a ehbedlb • Emma dhoa minkn m oal FINANCE CHARGE of $1160 will be imposed. T d. Termai ary Reduction In Pkrarree Change, Was name tiar right to not assasi why or of hence charges for any given billing prod. 2. Finance chirps alagsledMultiplying the dally balance or each segment of your account (e.g., ant advance, Purchase, special aarler, and special purchase) by he cormepoodng daily penaft tea(s) tar has been previously cgscaesd to you. At the end of each day doing the bEN period, we apply the daily pndodle raw for each segment of you account to he daily buirwa of each segment. Than at he and of he big period. we add up ft results of these dry caladrbm to arrive at your periodic finnan cage for each segment. Was add up roe results from asclh sspnre ta rriw r tha Intel Perladc tome charge for your soma d. To gat tha day balance for each sapnWtr your o ours. we ttile the beginning betray hx .on segment and add my runsVenesotorw and my periodic Science crate calculated an he prnMhs dye baler- for cat segnwtl We tan subtract my psyrnenr aaedks pored as of tin day that am allocated to that segment. This gives us tie separate daily belanca la each segment of your scrourw Howewat N you paid the New Balance shown on your previous statement In full (a if your new balance was zero or a credit mount), new baruacenra, which post to your purchase or spatial purchase segments are not added to tie dry balances. We calculate the average dry balance by adding ail the dally balances bg@Mw and dividing the win by he nrrber of he days In the amnt billing cycle. To aNaukda your oat inane charge, multiply your average daily balance by IM daily Perak rate and by Me number of days in the bl" prod. Due to mwkbV an e delly, basis or due a mkrnum hums charge eseess enL dare may be a variance batvwerl his rslculallon and he smourd of fine, Barge actually assessed. 3. Annual Percentage Rtes (APIt). a. Th. tam "Arommi Percentage Rate" may appear as "APR' on the from of this nufarn nt. b. N the code P (Ouarlry Prime). L (Ourtarly LIBOR). C (0usrb rty CD), a S (Brauard Prima) ¦ppers M tie fMnL of this statement neat to tie periodic role(s), the periodic rates and wnespordkg ANNUAL PERCENTAGE RATES may wry quarterly aid may increase or decrease based on the rated indices, as foam m The Wall Slrwt brat plus the meth previously disclosed b you. Thee ranges w0 be effective on fie in dry of your bYBg period eyed by you periodic stft a ending in the monde of January, April, July and October. a If tie cods D (Narthy Pere), F (Monthly LIBOR), ant G (I'mmaxy LIBOR) appears on tie hard of your Statement nee o the periodic rte(s), the periodic lies and corresponding ANNUAL PERCENTAGE RATES may wry, monthly and may increase or deoeese based m the stated Inclose, as lourd in The WMI Stater Jourel, plus the margin previously disclosed to you. These changes will be efiestive m thefiat day ofyour bNkg period ew,h mmil. 4. Assessment of Lale, MrMdt and Rbwmd Peyrert Fees. Under the amen of your aroma agreement we reserve the right to welve or not to aueas any lees without priornodbradw to you without whaNYhgoaright to sesess the score m aimNU oss at a lacer time. t 5. RmnehaI yeuvAeaeaN. N a membenahip faro appeal on the from of your statement, you have 30 days from he data ri%raternrm was MOW to you o avail Paying the fee or to have such fat creldall to you N you c cer your saWUm wit oul having to pay the membership few To cancel your account you must notify us by calling our Caetrnar Rslatloe Department end pay your New Balance" In full (excluding the membership feel prior to to and of the thetydoy period. 6. N You Cbes your Account. You an request to close your account by agrg our Customer Rotational DepeanWL You much destroy you cmdkcard(s) and ¦occrm mass darts, corral all lassuMOdzsd bNilng rte cease using your account After your request to dose. N you continue to Vanua or do not cancel presuhorized biding arrargWrarm, we win consider recalls of a dirge youraraoQtM o keep your account open. Additionally, your amount will nrcryes dosed until you pay ON amounts you owe us including: transactions you haw authorized. hence charges, past due fees, ovedkra ass, rrumed payment fees , ash advance fees and my otherfase aeaeseed to your account. You am responsible for these emounb whether gay app car on you account at the trim you request to doss the account or Ely are Incurred subsequent to you repeat to does the shroud. This may result In charges apper, on your account after you have requested tie account to be dosed. 7. Using Vbw Accord. Your cod or socount cannot be used in connection with any Imsunr gambling ereeaetloru. 8. Notice Abut Electronic Chaeh Convwrslan M=w you provide a dark as payment, you auMMze us to uInformation from your check to mall a one-time electronic find keralerfrom your brat -daunt or to process the payment as a cheek transaction. When we use information from your check to make en deckonic fund Iramler, funds nary be wMdmn tan your tank account as scan as ON senor day was moehar your payment, and you will not receNe yaw check back from your financial Institution. BILLING RIGHTS SUINNARY On Cos of Enars or OueWas about Your Bill) N you hkac your bill Is wag, or If you reed more adamadon on a tameGCen or bill, wrgs to us ash a uporata sher as man as possible at the address for inquires shown on We front of this statement. tub mart tear from you no Inter Mari 80 days after we sent you is first hill on which the emor or problem appeared. You an as our Combiner Rolailoe nurnbeo but doing so will not preserve your rights. In your WW,, giye us ft following information! you name and account number, the dollar amount of the suspeped senor. a description of the error and W explanrbrr. If possible, of why you believe time is an erro, or N You need mars bfonnatW, a description of the Nom you as uses about You do not haw to pry any amount in question while we am' , gsag k, but you are etlll obllpatsd o pay the Para of you bill lhr am not In question. While we nvougts your question, we cannot report you as delinquent or Was any action b coiled In amour yyeparu phMbn. ;, t Special Rugs for Credit Gm pwdes If you here a prolow with the quelky orproperty or wwkee that you purchased wM a credit card and you have Wad in good bb b correct the problem with the mardant, you may have the right not to pay this ramelnkg a rriou1a due on hs properly a se Am. Yale haw fife protection only whim the purchase price was more than $50.00 and the pschw wes made In your home sate or within 100 files of your rating witless. of we own a operate Me merchant, or If was mailed you to edvor$s fit fa he property or services. all purchases we covered agwdkm of amount or location of purdrw.) Please remember to sigh all omeepaMaea t Doss nor apply to consumer noncredit card accounts t Does nor apply b business nonmedt card arrows Capital Oa supports information privacy protection: sea our webeite at wow cogftalom,fdlre. Capital One Is • federally registered service mark of Capita One Financial Corporation. AN rights reserved. O 2006 Capital one 01 BC6058.6 -12121 A6 klNl00 "" PaymaMyahcaro awltaaeMedbyourexouatdla bukessdy was recrr M, grouted(1) you said tine bolrm plan atiat seamed and pro" Ingo sabred Mnrtsna amwlipe ant (2)your pryael a mcakedn ant gamrtag area by3pun.ET(12mm P4 NateewetWWeve(5)baMrdryslorpogNdewy. Pay* rec"ryusrayaftrlocslbn con any ache form mynol be credited a she day we mean Man. O waateaa drye as Morally tiaohph Sraday, w Arng holeaya. Place do rat use sbpea, plaxac", at. whn pop" yorpey em. 200102 09982 15 important notification of a change in terms to your account Your account is changing. These changes will start with your April 2007 billing cycle:* Late Payment (Past Due) Fee Your late payment fee will be based on the amount of your account balance at the time the fee is applied. Balance of $0 - $99.99 = $19 fee Balance of $100 - $999.99 = $29 fee Balances of $1,000 or more = $39 fee Over-thrcredit-limit Fee Your over-the-credit-limit fee will be based on the amount of your credit limit at the time the fee is applied. Credit limit of $0 - $499.99 = $19 fee credit limit of $500 - $999.99 = $29 fee Credit limits of $1,000 or more = $39 fee Whats Not Changing Although these terms are changing, your card still features all of your current benefits including $0 Fraud Liability and online account servicing. And if you are currently enrolled in a rewards program, you will continue to earn rewards on all of your eligible purchases. We truly value your business and look forward to serving you for years to come. 200102 see reverse for more information, including how to decline these changes to your account. Please retain for your records. 6056 506 1 7 19 070219 PAGE 2 of 2 onc6056 if you decide not to accept these terms You can choose to decline these changes and cancel your account. To decline these changes, call our automated system at 1-800-2145032 by midnight EST, March 30, 2007. Please have your account information available. If you decline, starting March 31, 2007, you will: • Not be able to use your card • Have to cancel any scheduled payments you have set up for automatic billing • Not be able to redeem your rewards, if you are currently enrolled in a rewards program If you decline, you will be able to pay down your account at your existing terms. We will close your account after the balance you owe is $0 and we confirm that no new charges have posted to your account. Important Information * Your April 2007 billing cycle is the first billing cycle with a periodic statement closing date on or after April 1, 2007. These changes amend your Customer Agreement. All other account terms and conditions remain the same. © 2007 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. one, / 500012 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 &= check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capita! One Services, Inc. Capital One it a fedemUy registered service mark. All rights reserved 500012-08503 FINANCE Previous Balance Payments b Credits CHARGE Transactions New Balance Minimum Payment Dire Date $3,472.70 - $0.00 + $75.81 + $39.00 = $3,587.51 $591.00 Apr. 19.2007 Feb. 20, 2007 - Mar. 19, 2007 Page 1 of 1 KEW PAY AT (FAST THIS AMOUNT MastsrCar MullsorCard Ptsdmrm Account You're behind by five payments so we've permanently suspended your charging privileges. If you don't make a 703.8141 sufficient payment within 30 days of the Payment Due Dale shown on this statement, well charge o0 your ' ' acoounl and report the cltarged•off status to the national credit bureaus. Please don t let this happen. tf you re Your Account InformstIon feeling overwhelmed, call us at 1 800.955.6600. Nell work with yai to resolve this matter. TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $0.00 Payments, Credits 8 Adlusiments CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 Transactions 1 19 MAR PAST DUE FEE $35.00 2 19 MAR CAPITAL ONE MONTHLY MEMBER FEE $00 Finance Charges (Please see reverse for Important Information) Balance rate Periodic ag FRIANCE lied to rate CHARGE applied lied t rate ARG Udder terms disclosed to Y you, some or at of your Annual Percentage Rants (APRs) have been 72 0 15% $ D 28 Increased since your account was pest due twice in the past 12 burg cycles. M your rates have already . . 644 75 0 07712% D 28 15% $35 Cash $1 52 increased, subsequent delnquendes mdended the duration of the increased nabs. Remember. If wis receive , . . . . your mir;num montNy payment on ems for 12 consecrdhve being cycles, this account will be reviewed for a ANNUAL PERCENTAGE RATE applied this p srlod: 28.15% possible retum to your Non-Introductory APR. At Your Service 140108103 3837 r You were assessed a past due fee because your minimum payment was not received by the due date. To avoid ® To nu r Relations or to repot a lost or stolen card: this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. ® Send payments to: Capital One, F.S.B - P.O. Box 70885 • Charlotte, NC 28272-M ® Sand inqulrbs to: Capital One P.O. Box 30285 Sae Lake City, UT 841300285 6056 506 1 7 19 070319 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT T 5178052077035141 19 3587510400000591004 ??` I what's in your wallet? New Balance Minimum Payment Due Date $3,587.51 C$591.00 Apr. 19, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One, F.S.B P.o. Box 70665 lrirslrrrllllrrrlslrrl Charlotte, NC 26272-0665 111 1.,lrrlrErlrllurlulrllist rllllllof lllllllll11so IIIf llif II Account Number: 5178-0520-7703-5141 Please print address or phone number changes below using blue or black ink Address Home Phone Ahernate Phone E-mail address 090079426911973260 MAIL ID NUMBER KAREN HARBOLD 4529 ROLO CT MECHANICSBURG, PA 17055-5869 ur) llnrlllunlrlulslnlrlrlulrlnlrlrluulrllrlum Please write your account number on your check or money order made payable to Capital One, F.S.B and mail with this coupon in the enclosed envelope. KAREN HARBOLD I . Mme to Avant a Finance Charge. t a. Brace Porlod. You wfil tow a nWinu m pace period of 25 days wkcut finance charge on new purchases. now balance aarwhrs, new spedd purchases and now ore changes If you pay your low Was, SaWrn", I. accordance with the Important Makes for payments below, and In anle for it to be vadol d by your read dawmwM dosing does. There cis nos gran p.-Id n rash a&- and spacial bowers. In aldilom there N no pace period on any transecion if you do not pay the total Tow bell.' b. Apenkng Fireman, Charge. Transactions which am not subject to a grace period ors naaasd fire -Marge 1) ban go claw or the transaction or 2) tmm the data U. tnnsadbn Is processed In your Account or 3) bran ff. finl calandlr day of time amerce big period-AddXloeMy, If you did not pay aro "Now Balance' earn aN previous billing period in oil, larvae cheges mr rope to argue to your unpaid balance and au unpaid balance is paid in full. This moans that you any so owe Maas charge, even a you pay the am. New Balerca YWkaed n 0. Was of you aWenont by the no d W--ft dosing doe, but did not do so for aN previous month. Unpaid finance dw{ps are added to tho applicable segment of your Amount. t c. Minkreea Fbeases Chap. For each bang period that your account is sub}clo a areas charge, a minimum WW FINANCE CHARGE of 110.50 will be kmposed. t d. Temporary Reduction In Place epe Choys. We tonne aN right to not Naas any or as manse Matges for any given billing peed. 2. Aawago Daffy like nee (otluding Now Platoons). Faa ce charge Is calculated by multiply" the daily balance of each segment of your amount (e.g., cash advance, purcose, special traraer, and special purchesm) by the c nespatding daily priiacc ree(s) that has bewn previously disclosed w you. At doe and of each day dung the billing pwiod, we apply ft duly parodic raw for each segment of your ammlnt to the daily balance of each segment Than at time and of the bMrg period, we add up the usWw of thou daily calculations to arrive at your prods mo ce plunge or each segment We add Lip au mile from each a" at to arrive at tit wok pedodc fiance Marge for your account To ga Me datyr ba{enca for each sagmant of yor omodm, ww pea gar begin ing balrae for with sepeed and add any new bomKO haand arty Periodic, Manor doge calculated on thm previous days balance for Ma sagmes lNe Mrs euhtrad cry paymenp a vedu poobd n ottW day Mat ore a mom to Mat mepmrn. The pica us account. aN However. w a s you u Dad eta ad ft fr New Bal Belatance show d yea wean on your previous owwment In full (r ayour now balance was zro or a credit imout), now aonsacJaw, which post to gar purchase or spatial pudeaso sagrnets oar not added to the dally t eWmN. We calculate aN average daily balance by adding all the daily halarupea togW- and dividing the him by the menius, of the days in the coot biirg cycle. To calculate yak told 5anos doge, multiply your average daily balance by the daily periodic rate and by the number of bye M to U" period. Out to nursing on a dallyhookor due o nml, in fihar ea kung aesaurnam, dare may be a violence b speem dh calculation and as amount of firo nce charge aekofiy ame wd. 3. Annuli P-mme age Nook (APR a. The Win 'Annual Pmmonogs Race" may appear an'APW on Ma kord of thin statement. b. If ft cede P (Cmullo y, Pdme} L (OurWly UROR1. C (Oustarty CD). or S (Brhperd Prime) appears n mm haul of the stserrNnt neat to to periodic new(s), the peiodic rates and corresponding ANNUAL PERCENTAGE RATES my wry Weary and may Invert or decease based an the shied indices, se found n The Wall Strut Journal, plus the margin previously disclosed to you. Thou changes will be efiecWe on the fiat day of your bBhg period covered by you pelode staW oM ending In the months at January, April. July and October. C If the code O (Monthly Prime), F (coney LIBOR), or a (Treoskry UWA) appease on the Worts of you stawmwm nine to the perlock retail), the periodic caws and aarespamdng ANNUAL PERCENTAGE RATES may wry monthly and may nave or daveese besad on the stated Indices, es fund in The WW1 SVW Journal, plus the margin prsvicu sly disclosed in you. These ofus will be selective on the final day of your bgtrg period each mach. 4. Aawaunvs of Lew, Ovw t * mid flaparned Palpated Fw. Under the terms of your customer apermer4 we reems the right to wain or not to seem any fees without pdwncd kaano you wbhoutwNyvg ourrightlo access ft cans aekdtarfw at a oteremo, t 5. Rellaal' vhuAeaoad. a • m missal yp fee appears on th0 het of your statement, you have 30 days Sam the does this cshinrmt seat mailed to you to avoid psykg the fee or lo have such lion aedW to you t you canna your account www having to pay the monk orchp in. To caroal your account you must nMNy us by on our Cuwmer Relation O."rn and pay ycur'Naw Balance In oil (excluding the membership fat) grin to the and of gu tho"y period. 6. N You Close Your Amount You can request to claw your aCCOwe by calling our Customer Relation Deppersnenl. You mud destroy gar =0 card(s) aid smut access chocks, canal of prouuMOtzed bigng ant ours using your account. After your reQINY to Man, 0 you continent to banad a do not caned preatlori»d billing arrangements, wo will consider recap doe cage your arMdlaofn to keep you account open. Additionally, your amount wN not be dosed until you pay all eamnnW you owe us including any IranaMarR you haw authorized. Itnsnca Magee, Post due has. over6nla sea, marred payment ass, cash advance era and cry other loss canceled to your account. You are responsible fa thaw enema wtmsthr they appear on your account at the time you request to dose the amount or k»y am Incurred subsequent to you request to dw ft account. Thismay rasub n delta appearing n your amount after you have raquoeed he eccont to be dead. 7. Using YarAeeartn. Your cord or account cannot be used in connection with my Internet garndep transactions. S. Notice Abort Warionk Check Conversion When you provide a check allayment, you aldhor ze us sow lo use nfomakm from your check to make a me"" elonsonle hand Wander horn your bra amours or to precise the Payment on a Mack transaction. When we use nknmatio from your duck o make an alecarde aryl transfer, orals may, be waltdrown from yea bank amount as tan"aN sarrivee day woe reo" your payment, and you will no reaalve you dNCk hack horn your financial Im lautlon. BILLING RIGHTS SUMMARY (in Case of Errol a Orteelirs about Yw 95) If you think yaw bill is wrong, or If you need mom Information on a IrmesWlo or bill, wntm to o on a aaprae s1uN a soot n Possible at five address for Inquiries shown on Me front dales statement. Ws cast hater hem you no nor then SO keys after we hid you tit first bN n whi0 tit error or preblam appown d. You con call our Cush~ Rotation nabs, but doling so will not preserve yaw rights. In your eSO, give us tit Wining information: your name and amount number. the dolt amount of the suspected ertor, a description of the emr and an aaplsnsdon, ff paeble, of why you below gee e ea error. a M you need more information. • da ci ptio of the eon you as unsu , about. You do not have to pay any amount in William while we are nwMlgaog h. but you are sdl abligated to pay the pan of your bill OW w not in watill- WMw woe Investigate your question, ww cannot report you an conclusive or Wo my sctlrn to collect tiro amen you quaesor. 2. t Special RUN, for Credit Card Purl es if you have a problem with the @Wky of property or aerWws the you pdadu al wilh a credit nod and you have Wad In good with to co ad tlo problem with the mechew, you may have the right not to pay aN remaining amount dual on the property or services. You have Me prolo kei only when the pu d ptcs was more than $W.0 and aro purchase was made In your home sou a Winn Igo miles of your ruing address. Of we own a oprate the mwdw t or it woe mesud you ft achanki a tfr Ina property a=. all purchases are covered regardless of amount or location of purchase.) Plan remember to sign all awyoporwk . t Does not apply An coneumernon-coda card aeeouuo Does not apply o businees nau-aedlt card accounts CykM Ona appore infomelbn privacy protection: sea our wabale at 11 .MD. Capitol One is a ederaly legislated service man of Caput One Financial Corporation. All rights nerved. O 2008 Capital One 01 BC5056-6. 1221MB 4 01111 NOW: PWWns Ym mailnaura beawedoyouatmlan rdtln Wnwday werwMi. pmvses(I)you send to bode m prom alma ddrWnana yow dace nevi adored reu I I *mob" Will (2) your pair" it IeoehM n arpncoadlg Center by 3p.m.ET(12 man PT). Pew OW at NO be (5) Whose dip for POW lithely. Flyr 0 mo*W by us d any pas lOralnnl an wryptiefommay Wbec, latime day We NWA mom. Orbatlear aye w Mnk0aanph seedy, edddng whys. Pere 00 W use super, poperdlia, dc. wen psptrYq your Payrolls. One° I what's in your wallet? NOT PAYING YOUR DEBT 5=13 DOESN'T MAKE IT GO AWAY. In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our += check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the anwum due on your statement within 30_dalA to keep your account from being Charged Off. ® 2006 Capital One Services, Inc. Capital One is a, federally registered service mark. All rights reserved. 500013.08503 FINANCE Previous Balance Payments & Credits CHARGE Transactions Now Balance Minimum Payment Due Dab $3,587.51 - $0.00 + $86.80 + $82.00 = $3,756.31 $703.00 May. 19, 2007 Mar. 20, 2007 - Apr. 19, 2007 Page 1 of 1 i PLEASE PAY AT LEAST MS AMnUM Your account is six payments behind. H we charge o0 your account due to late payments; we will report the MasterCard Platinum Account charged-oft status to several national credit bureaus, and the Purchase APR as reflected on this statement will 5178.11IM"03.5141 be applied to all your outstanding balances. Act now to prevent this from happening. Please pay the amount due Your AGGOUIIt hlfOfmatitlrl on your statement or give us a call at 1.800 955,6600 Well wok with you so you can take control of your account and start rebuilding your credit with Capital One. TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please am reverse for important i fomretion) A" FINANCE Balance rate Periodic Cone applied to rate AAPPRR CHARGE Purchases $1,948.10 0.07712% D 28.15% $46.57 Cash $1,682.60 0.07712% D 28.15% $40.23 ANNUAL PERCENTAGE RATE appled thh period: 28.15% ® At Your serAm i-OOM03-3s37 To call customer Relations or to report a lost or stolen card: Alft Send payments to: Capital One, F.S.B -P.O. 8.70885 ChwiM, NC 28272-0885 A Sand Inquiries to: Capital One -P.O. Box 30285 - Sao Lake Oly, UT 84130-0285 "Important NOW Under the terms we previously disclosed to you, your account is now eligible for an increase h Annual Percentage Roles (APRs) effective Inn - I e I y. However, Capital One has elected not to raise your APRs at this time. Please be advised that y you fall to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Payments, Credit & Adputments Transactions 1 19 APR PAST DUE FEE $39.00 2 19 APR CAPITAL ONE MONTHLY MEMBER FEE $4.00 3 19 APR OVERLIMIT FEE APR 19, 2007 $39.00 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 070419 PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 7 5178052077035141 19 3756310400000703009 ???' I whams in your wallet7' New Balance Minimum Payment Due Date $3,756.31 $703.00 May. 19, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One, F.S.B P.O. Box 70!65 lrlrrlrrrllrsllrlmlrrl Charlotte, NC 28272-0865 IrdrllrrlmrddlrPrLPIrllLrdrJrl,JrrLLlrrLdJrrlrlrl Account Number: 5178-0520-7703-5141 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address @ #9011042891197329# MAIL ID NUMBER KAREN HARBOLI 4529 ROLO CT MECHANIC SBURG, PA 37055-5889 rrJllrrrlllhmrJrLdrLrLlrINIPIrrldJrrrdrlLlrrrrr Please write your account number on your check or money order made payable to Capital One, F.5.8 and mail with this coupon in the enclosed envelope. KAREN HARBOLD I. New to Avakt a Finance Clrrya. t e. Grace Period. You will hove a mlrYlwm gran period of 25 days wkhm Mane charge on new purchases, new balance transfers, new special putchateas and new other Magas N you pay your MI -Now Balance, in atrurdonn with du Impudent Notice for payments below. and in tone for ha be wodkod by Your taus VAWrwnt cl.mV dw. Thera is m grace Period an cash adveoaa and spec al kaniafaa. In addition, lass I. tea grace period on any transaction if you do not pay the tool Thaw t)ld e.' b. AccrWna Floomps Chap. Transactions which ail not ai(ed to a gran porlod are assesud finance charge 1) hdfi the dab of to terusctlan or 2) hdn the data the transaction is processed to your Account or 3) from the find calsnda day of the same Mang paned. Adddwd t N you rid not pay the -New Balance from ere previous boiling Period in U. Sm ncs charges mama to emus to your unpaid baWuos will am unpaid balance is pad in fut. This means that you may Will saw scones charges, even a you pay new entire New Balance IMkood a the hat at your Materrhard by the nod do~ eosin data. but did m do so for pus peviws mwMh. Unpaid M1unce throes ae added to the applicable segment of your Account. t e. Mnoean Fleona Corp. For each frig period that your axwntksubli" ballivo chaps,aniknunkd FlNANCE CNARGE of $0.50 will be impart. t d. TamPaary ft* dtell in Firma Chap. Wla resit the tight o not mum any a at Mann carps for any gban bM%Prod. 2. Aamap Debt OWN- (hrcuding New Purd-l. Finance chaa Is alaAeAd by -applying the doily balance of each segment of your account (aft, Cash adwonce. puardteee, special Do-9% ad epedel praMSs) by the mrospondnp daily peraft nalmi err bell been previously diWosed to you. At am and of each day during the big period, we apply the daily tenodc re for each segment of your account to the daily bounce of each segment Than at to and Nita big period. we add hip ae results of hies daily calculations to anus at your period. finance charge for each squat We add up the roasts from each sgamo wrhm at 0. uW periodic Bona dirge for your account. To gas to duly balance for each segment of youraowunt, we We lhe bsgotihp belana for each segment and add any nswlmasadions and any panodic Mince di a ge calculated on do previous dyy balance for to span. We am whtrat any paimmints; or cradle pasted as car day that ail Mooned to aW sagment. This pica a am separate daily balance for each segment of your account. However, N you paid one New Solana shown on your previous women in full (a N your sus balance was zero or a credit amwat), nerr temadar, which post to your punches or special padaaa sawrtarrls are not added to the doily balances. W. calcdMe one averege doily balsa by adding at the daily balances together wW dMcIng to won by the nun ear of the days in the o rrant beano gyda. To c lwdate your total amrco, charge, multiply Your sumps daily balance by the doily {Medic rats bd by tla minnow of days In the b&V period. DA to rounding on a daily basis or due to chem. Mann drip aseasrrent there my be a variance between ores calculation and the amount of Mona carpe eck holy assessed. 3. Annual Pow top ass (APIt4 a. The brm'Mnual percentage ate' may appear as 'APR' on the front of tlfa statement. b. If ail code P (CUE" Prime), L (GuwYAy LBOR), C (Chastely CD), or S (Bai.erd Prim.) appeas on tea hors of this ltatemat mint to the periodic Ail(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may my quarterly and nay nQMN or doo sas based on the solatl trld.as, as toad In The WMI Sheet ioumad, plus the merge preVaWY disclosed to you. Thos longs will be elective on Iho M1M dry of your hitting period covered by your periodic Moment ending In the ndnba at January, April, July and October. o. If the ads D (Mor" Prone), F (Monthly LIBORJ, or G Mesa" LIBOR) appears on Nine front of your statement not to 1st periodic mas(s), Nis padoaic reap and corresponding ANNUAL PERCENTAGE RATES my vary monthly and may Increases or dKmNpw boW W the aaad Indio", "found In The WWI Slat Journal, plus ft magin previously disclosed to you. These cheryaa will be eBecY" on to find day of your bBkg period each na a 4. AsummM at fate, Oaaln* M kftn d Potim ed Fes. Under the home of your mallow e$roanaM, we rear" to right to webs a not to sus any fees V NMut prior notification to youwithoutw th*q our right to smissom the soma alnwrfaw st o lMwgme. t 5. Rrtesitp YeraAuaauw. N a mwraaalap ere appears on the from of your stetemwd, )ou ter" 30 days hen the data pas WOmM was mood to you to avafd PON the fee or to have wash fee credited to you N you nasal your aaaat wiNiohd hoving to pay ere membership furs. To an.el your account, you must notify s by cs" our Customer Relations Depodp ant and pay your 'Now Balance in Nfi (errhudinp the membership fee) prior to the and of the Ihinyday period. 8. It Inch Cos Your AseoY L You an squeal to cache your account by calling our Customer Retail" Dgaament. You must doWay Your cred cold(s) and account access cheda, osnw all pawtlcdzea bNn$ and phase using your account. Ma your request to da", a you continue to traced or do not canal presarthooed hitting thmanglarrients, we will consider relalpt of a Maps your authorization to keep your account open. Additionally, your account will rat be dosed unit you pay ON amounts you owe us including: any treneaNom you have aw0halzed, finance charges, pest due fees, a arbm t fees, mo rnatl payment too. cash Mnance fees and any other fee aaawed to your account. You ail responsible for the" ernounla wtaaar gay appear on your account at the ante you request to dos the account or they ail named wb"quent to your request to dove as account. This my result in dNo appearing on your account offer you ha" roquwed am account to be dosed. 7. Using Yaw Acclavat. Your cold or account cannot be used in connection with any Internal gamllrip transactions. 8. NoUp About P.laarorak Cheek Camaskol. When you prevkle a check s payment, you malhortra us sous to use hturmaton from your check to al" a one-time pnacase electronic find tremfer (mm your bark account or to the poymwM as a chock Immadon. coon we hue Information from your duck to make on alockoft fund transfer, funds may be Will con from your bank account as soon as to same day we noose. your paynam, am you will not moahm yaw chat k bade from your Ohancal Institution. BILLN40 RIGHTS SUNNARY (In Cos of Erars or Questions about Vera BB) N you think your bill is smahp or t you reed more information on a transaction or hill, write 4th m on a separate ahw he soon as possible at IM address kr inWhiss; shown on the front of this stalemo m. We must hear from you no their can 60 dye after we sam you the fir hit on which ft smut or problem appeared. You can cell der Cuerear Relations n rnben but ddng so will not prow" your rights. In your eitar, gk" us the following Monmafon: your name as OWWK number tine dollar amount of the suspected error, a description of the error and an .*Umadw. If paMla, of why you belle" them Ie on armor: or if you mad moo infomWion, a deschpon of the kern you ail unsure about. You do not have to prey any amount n question while we ail n"dgaBg it, but you ere add abligsted to pay the ptde of your bill that are not In Wooden. While we invowilgisse your question. we arced report you as daangas or take My action to soled as amount you quotation. $, f Special Rule for CM& Cold Purch"" N you ha" a problem with the quality of property or services that you purchased with a credit card and you ha" bad In good halh W coma) as problem with one merdrht, you may ha" the right not to lay the remaining amour due on Its property or eaviae. You ha" No protedo I only when the purdh"s price was more then $50.00 and 1st purchase use mail in your home Mw a wBNn too notes of your making address. Of we orwa or opera the merchant or it we rmiled you cis ad"rsaanent fords property or services, all prchss ere covered regardless of amount or baton of puchese.) Pleas remember to sign all t Dais nor apply to consumer ramoraa card actowits t Does -0 apply to business non-croolit card accounts Capitol One supports Information privacy promotion: sae our waeme at vrowcoalljolums. . Capitol Ore Is a federally registered service mark of Capfiai Om Financial Corporation. M rights remained. O 20DO Capitol One TC-W 07 BC6058.8 -1221106 ImperWnt N"te: Paymwa you rN thus vg te medbd o W Wwura el dale b IMMdy M a:aM t, pad" (t) Yw sod is bdmm purist Atli sraanwt cod yewdad h tlegnrzor" rasBrae awelapo era (2)ysa psyueaa k AeMw l h was padelhhp cote, by 3 P.m. ET (12 noon PT). Plame slow at ids be (5) bsbels days for Novel sooner. Psymss tsrokrd by us May other bcOM a h any umatom miry not be wooled a of ft day we ma atom. Our bushels aye as Moasy tlscuth Sdm*. adu*V boldep. phase do not free ethplee, paper cap, sta. when Reposing yew payment. I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Steve Portko, Esq. 101 South U.S. Rte 15 Dillsburg PA 17019 Date: November 15, 2010 PA-65 Certificate of Service P&F File No 08-12947 (412) 429-7675 V PRAECIPE F R LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) :.' TO THE PROTHONOTARY OF CUMBERLAND COUNTY Argument Court.) CAPTION OF CASE Capital One Bank vs. Karen Harbold (entire caption must be stated in full) Capital One Bank vs. Karen Harbold (List the within matter for t* xt N3 r11J ------------------- --------------- =w cad No. 5773 2008 Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Defendant's Preliminary Obiections to Plaintiffs Amended Complaint 2. Identify all counsel who will argue cases: (a) for plaintiffs: Gregg Morris; 213 E. Main St,m Carnegie, PA 15106 (Name and Address) Steven Portko; 101 South US Route 15, Dillsburg, PA 17019 (b) for defendants: (Name and Address) 3. 1 will notify all parties in writing within two days that this case has been listed for argument. December 15, 2010 4 CD `I1 INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument Is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is rellsted. 11/19/10 Attorney for Date: I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Steve Portko, Esq. 101 South U.S. Rte 15 Dillsburg PA 17019 Date: November 19, 2010 PA 65 Certificate of Service VMain Street Carnegie, PA 15106 (412) 429-7675 P&F File No 08-12947 .C. FILED-OFFICE Or THE PROTHONOTARY 2010 DEC 13 PH 12: 47 CUMBERLAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff NO. 08-5773 V. KAREN HARBOLD Defendant(s) PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE Filed on behalf of: CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA_ 170 Prcp Disc w/o Pddc P&F File No. 08-12947 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff NO. 08-5773 V. KAREN HARBOLD Defendant(s) PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE TO: Prothonotary Please discontinue the matter captioned above without prejudice upon payment of costs only. Thank you. Date: December 09, 2010 Sworn to and subscribed before me this day of DtV, , 20,C) Notary Pu is COMMONWE - - OF pENNSYWANIA NoWIM Sal wo r J. s wak N"y Rblk t?W* ac ??? y y 14, ZA11 MembK. PA_170 Prcp Disc w/o Pddc P&F File No. 08-12947 U I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Steve Portko, Esq. 101 South U.S. Rte 15 Dillsburg PA 17019 Date: December 09, 2010 PA_170 Prcp Disc w/o Pgdc P&F File No. 08-12947