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HomeMy WebLinkAbout08-5845PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID # 92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK (USA), N.A. V Plaintiff(s) EVIE GONZALEZ Defendant(s) CUMBERLAND COUNTY a$ - E>lBq6 (2?"; ( Tern COMPLAINT IN CIVIL ACTION NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR Cumberland County Courthouse 1 Courthouse Square, 4`s Square Carlisle, PA 19013-3387 (717) 240-6200 AVISO Le han demandado a usted en la carte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a ]as demandas en contra de su persona. See avisado que si usted no se defiende, la corte tomara medidas y puede continuar le demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisions de esta demanda. Usted puede perder dinero o sus propiedades u ortros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE ELDINERO SUFICIENTE DE PAGAR TAL SERVICO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL SERVICIO DE REFERENCIA LEGAL COURT ADMINISTRATOR Cumberland County Courthouse 1 Courthouse Square, 4`n Square Carlisle, PA 19013-3387 (717) 240-6200 PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 CAPITAL ONE BANK (USA), N.A., V. EVIE GONZALEZ Plaintiff(s) Defendant(s) ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA), N.A., by and through its attorney, Paul J. Klemm and the law offices of Nudelman, Nudelman & Ziering, P.C., and files the following Complaint in Civil Action and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a corporation licensed to do business in the State of Pennsylvania. 2. Defendant, EVIE GONZALEZ, is an individual and citizen of the Commonwealth of Pennsylvania, who is believed to currently reside at, 596 CUMBERLAND POINTE CIR, MECHANICSBURG PA 17055-5456. 3. At the special insistence and request of the Defendant, Defendant was issued a credit card by CAPITAL ONE BANK (USA), N.A., account number 4003442572611450. 4. The Defendant is responsible for an unpaid balance in the amount of $7,287.27 and interest in the amount of $2,230.04. 5. Plaintiff has made demand to Defendant for $9,517.31, but Defendant has willfully failed and/or refused to reimburse Plaintiff for the aforesaid sum due. Wherefore, Plaintiff demands Judgment in its favor and against the Defendant in the amount of $9,517.31, plus attorney fees of $1,603.20 and interest from the date of breach, with continuing interest thereon at the legal rate from the date of Judgment plus anticipated court costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respectfully Submitted: NUDELMAN, NUDELMAN & ZIERING, P.C. Paul J. Klemm, Esquire 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 VERIFICATION The undersigned, Paul J. Klemm, Esquire, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed this verification at the request of Plaintiff as a matter of time and convenience. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the foregoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The undersigned understands that the statements herein are made subject to the penalties of 19 Pa.C.S.A Section 4904 relating to unsworn falsification to authorities. Date: August 26, 2008 Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 00 r r ? ?f 0 SHERIFF'S RETURN - REGULAR CASE NO: 2008-05845 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK USA N A VS GONZALEZ EVIE MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon GONZALEZ EVIE the DEFENDANT , at 0018:52 HOURS, on the 13th day of October , 2008 at 302 HARVEST LANE SHIPPENSBURGG, PA 17257 by handing to EVIE GONZALEZ DEFENDANT a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Additional Comments DEFENDANT MOVED FROM ADDRESS YOU PROVIDED AT 596 CUMBERLAND POINTE CIRCLE, MECHANICSBURG TO SHIPPENSBURG ADDRESS. Sheriff's Costs: Docketing Service Affidavit Surcharge /DI IG?OP^ 18.00 20.00 .00 10.00 00 48.00 Sworn and Subscibed to before me this day of , So Answers- R. _ Thomas Kline 00/00/0000 Dep y Sheriff A. D. CAPITAL ONE BANK(USA). : IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA Plaintiff : No. 08 - 5845 - Civil Term v. EVIE GONZALEZ, : CIVIL ACTION - LAW Defendant Praecipe for Entry of Appearance Please enter my appearance on behalf of the Defendant above. Geoffrey M. Biringer MidPenn Legal Services 401 E.Louther Street Carlisle, PA 17013 (717) 243-9400 Supreme Court ID#18040 ? ? ? r?7 ? C RF .. ? ? ? ? r ?^ 4 ?+` ?+ CAPITAL ONE BANK(USA). Plaintiff V. EVIE GONZALEZ, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA : No. 08 - 5845 - Civil Term CIVIL ACTION - LAW PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes the defendant, Evie Gonzalez, by and through her legal counsel, MidPenn Legal Services, and files these PRELIMINARY OBJECTIONS TO PLAINTIFF'S CIVIL ACTION COMPLAINT, and in support thereof avers the following: 1. Plaintiff is Capital One Bank (USA). 2. Defendant is Evie Gonzalez (hereinafter "Defendant"). 3. Plaintiff filed its complaint on October 1, 2008. 4. Plaintiff claims that it is owed a balance on account for $9,517.31 for use of its credit card, plus attorney fees and costs. PRELIMINARY OBJECTION PURSUANT TO PA. R.C. P. No. 1028(a) (4)) (Demurrer) 5. Paragraphs I through 4 of Defendant's Preliminary Objections are hereby incorporated by reference hereto. 6. Plaintiff does not allege that there was any agreement between the Plaintiff and the Defendant, merely an application for a credit card. 7. Absent such an allegation, Plaintiff fails to adequately state a cause of action. WHEREFORE, Defendant prays that Plaintiff s Complaint be dismissed with prejudice for failure to state a cause a cause of action. PRELIMINARY OBJECTION PURSUANT TO PA. R. C. P. No. 1028(a)(3) (INSUFFICIENT SPECIFICITY IN A PLEADING) FOR FAILURE TO PROPERLY PLEAD ITEMS OR TIME, PLACE AND SPECIAL DAMAGES 8. Paragraphs 1 through 7 of Defendant's Preliminary Objections are hereby incorporated as if fully set forth herein. 9. Plaintiff claims that it is owed a balance of an account in the amount of $9,517.31 yet attaches nothing in support thereof . 10. Plaintiff fails to sufficiently specify the type and/or amount of the alleged debt owed, including the amounts and dates of the alleged charges, the amounts and dates of any payments made, the amounts and dates of any interest charges, and the amounts and dates of any other charges. 11. Pa. R. C. P. No.1019(f) requires that averments of time, place and special damages shall be specifically stated. 12. Plaintiff's general assertion of damages therefore is in violation of Pa. R. C. P. No.1019(f) and renders Defendant unable to properly defend this action. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff's Complaint with prejudice for insufficient specificity in a pleading. PRELIMINARY OBJECTION PURSUANT TO PA. R. C. P.No. 1028(a)(2) and No.1019(i)(FAILURE OF PLEADING TO CONFORM TO LAW OR RULE OF COURT) FOR FAILURE TO ATTACH A WRITING 13. Paragraphs 1 through 12 of Defendant's Preliminary Objections are hereby incorporated as if fully set forth herein. V, 14. Plaintiff bases its claims against Defendant on an application for a credit card between Defendant and Plaintiff. 15. Plaintiff has failed to attach any credit agreements made or signed by Defendant. 16. Pursuant to Pa.R.C. P.No. 1019(i), when a claim is based upon a writing, the pleader must attach a copy of that writing or provide explanation for its absence. 17. To the extent that any credit agreements between Defendant and Plaintiff are written, Plaintiff's Complaint fails to comply with Pa. R. C. P. No. 1019(i) in that Plaintiff has failed to attach to its Complaint a copy of any such written agreements or any explanation for the absence thereof. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff's Complaint with prejudice for failure to conform to a law or rule of court. Respectfully submitted, Date All 3 -we-e MidPenn Legal Services By: Geof e1r nger 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 CERTIFICATE OF SERVICE I, Geoffrey M. Biringer, being a member in good standing of the Bar of Pennsylvania, hereby certify that I served a true and correct copy of the foregoing Preliminary Objections to Plaintiff s Complaint on this 23rd day of October, 2008, by placing same in the United States mail, first class, postage prepaid, addressed as follows: Paul J.Klemm, Esquire 425 Eagle Rock Avenue Roseland, NJ 07068 MIDPENN LEGAL SERVICES By: Geoffrey M. Biringer Attorney for the Defendant 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 Supreme Court ID# 18040 ?? ? f..? ?- t': ? '? °? ? ".; i TS ?'+,}' r,. ? r: ?3+ ems: ,? ?^, ?} .: ?+ "":. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA) N.A. ) No. 08-5845-Civil Term Plaintiff ) V. ) EVIE GONZALEZ ) Defendant(s) ) CERTIFICATE OF SERVICE I, Paul J. Klemm, Esq., do hereby certify that I have served a true and correct copy of the within Amended Complaint by regular first-class U.S. Mail, postage pre-paid on the party listed below on the date listed below: MidPenn Legal Services 401 E. Louther St., Ste. 103 Carlisle, PA 17013 March 11, 2009 Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA) N.A. ) No. 08-5845-Civil Term Plaintiff ) V. ) EVIE GONZALEZ ) 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 attorney, and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD ST., CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA) N.A. ) Plaintiff ) V. ) EVIE GONZALEZ ) Defendant(s) ) No. 08-5845-Civil Term AMENDED COMPLAINT IN CIVIL ACTION Filed on behalf of. Capital One Bank Counsel of Record for This Party: Paul J. Klemm, Esquire Pa I.D. #92125 Nudelman, Nudelman & Ziering 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA) N.A. Plaintiff No. 08-5845-Civil Term V. EVIE GONZALEZ Defendant(s) AMENDED COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA) N.A., above named, by and through its attorney, PAUL J. KLEMM and the law offices of Nudelman, Nudelman & Ziering, P.C., and files the following Amended Complaint in Civil Action, and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a foreign business corporation located at 4851 Cox Road, Glen Allen, VA 23060. Pursuant to 15 Pa. C.S.A. § 4122, "a foreign business corporation shall not be considered to be doing business in this Commonwealth for the purposes of this subchapter by reason of carrying on in this Commonwealth any one or more of the following acts ... (8) [s]ecuring or collecting debts or enforcing any rights in property securing them [or] (9) [t]ransacting any business in interstate or foreign commerce." 2. Plaintiff is informed and believes that Defendant resides at 596 Cumberland Pointe Cir., Mechanicsburg, PA 17055-5456. 3. There is due from Defendant the principal sum of $7,287.27 on a certain book account, account number 4003442572611450, a true copy of which is annexed hereto as Exhibit "A" and incorporated into evidence. 4. Plaintiff sues Defendant for goods sold and delivered and/or services rendered by the Plaintiff to Defendant, upon the promise of Defendant to pay the agreed amount as set forth in Exhibit "A" and incorporated into evidence. 5. The Plaintiff sues Defendant for the reasonable value of goods sold and delivered, and/or services rendered by Plaintiff to Defendant upon the promise of the Defendant to pay a reasonable price for the same amount as set forth in Exhibit "A" and incorporated into evidence. 6. The Defendant, being indebted to Plaintiff in the principal sum of $7,287.27 on an account stated between them as set forth in Exhibit "A" and incorporated into evidence. 7. Pursuant to the terms of the Customer Agreement, Defendant also owes interest at the rate of 27.40% in the amount of $2,230.04 and reasonable attorney's fees in the amount of $1,603.20. 8. Plaintiff avers that Defendant breached the Agreement and is in default for failing to make payment on or about June 20, 2007. 9. Plaintiff has demanded payment but Defendant has failed or otherwise refused to pay the aforesaid sum due. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the principal amount of $7,287.27, interest at the rate of 27.40% in the amount of $2,230.04, reasonable attorney's fees in the amount of $1,603.20, and costs of $126.50 with continuing interest thereon at the legal rate from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respectfully S i e Nudelm udelmanZiering, P.C. Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 VERIFICATION The undersigned, Paul J. Klemm, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the forgoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed this verification at the request of Plaintiff as a matter of time and convenience. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the forgoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff's principal place of business is outside the State of Pennsylvania and the verification of Plaintiff cannot be obtained within the time allowed for filing this Amended Complaint. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The undersigned understands that the statements herein are made subject to penalties of 19 Pa.C.S.A. Section 4904 relating to unsworn falsification to authorities: Date: Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 Exhibit A '?,,????..???/?,_? 500008 C4_8 ()W' i what's in your wallet?' EVIE It could happen to anyone. Make sure you pay the amount GONZALEZ due on your statement as soon as possible. WHOOPS! Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES by I payment. (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) m 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved 500008-08503 Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,584.32 - $0.00 + $41.04 + $929.90 $3,455.16 $180.00 Dec. 20, 2006 Oct. 21, 2006 - Nov. 20, 2006 Page 1 of 2 PLEASE PAY AT LEAST THIS AMOUNT Visa Platinum Account 4003.44257261.1450 C?HwSle YourAccountInformation REWARDS TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $2,544.84 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $2,544.84 ation) Balance rate Periodic NANCE FFInance arges (Please see revers7pedod:16.40% applied to rate ARGE $2,946.40 0.04493% $41.04 $0.00 0.06137% $0.00 CENTAGE RATE applied t% ® At Your Service I-BO 9557070 To call Customer Relations or t o report a lost or stolen card ® Send payments to: Capital One Bank • P.O. Box 70884 Charlotte, NC 28272-0884 Send inquiries to: Capital One P.O. Box 30185 -Salt Lake City, UT 84130-0285 ® For more information on your Rewards: Visit: wxw.capllalone.comlmilesrewards Call: 1-800-228.3001 Your account is one payment oehind. Remember that making your m n Rm pzyme rs by fba due date keeps your account in good stanoing. Further m,ssed payments may be reported to Lhe^at'o^a; credit b,.reaus, So make sure you seed !n the minimum amount due to keep your account in gooc slan'd rut. Rewards Summary Previous available balance: 12 433 Earned this period: , 849 (reflects transactions posted during this billing cycle) Forfeited this period: 1 608- Available Balance: , 11,674 Payments, Credits & Adjustments Transactions 1 19 OCT WM SUPERCENTER HARRISBURG E PA $16.37 2 20 OCT ROBERTOS PIZZA HARRISBURG PA $12.25 3 21 OCT 7-ELEVEN 21439 Q39 HARRISBURG PA $27.95 4 23 OCT TOM SAWYER DINER 6 ENTERT HARRISBURG PA $11.96 5 24 OCT PIZZA HUT #23084430123 HARRISBURG PA $5.02 6 25 OCT TARGET 00012542 HARRISBURG PA $11.59 7 25 OCT ROSS STORES #744 HARRISBURG PA $30.70 8 25 OCT ROSS STORES #744 HARRISBURG PA $56.97 9 26OCT USPS 1800ASKUSPS 1800275800-275-8777 FL $1.00 10 28 OCT CHARLOTTE RUSSE #253 CAMP HILL PA $15.00 11 28 OCT GABRIEL BROS - MECHANI MECHANICSBURG PA $22.58 12 31 OCT TARGET 00012542 HARRISBURG PA $39.56 13 01 NOV BABIES R US #6425 HARRISBURG PA $4.60 14 01 NOV OLD NAVY #6550 HARRISBURG PA $5.88 15 04 NOV WM SUPERCENTER HARRISBURG E PA $9.22 16 10 NOV OLD NAVY #5348 CAMP HILL PA $0.97 17 12 NOV PEOPLE PC INT SVC 866-226.1015 CA $5.47 18 13 NOV OVERNIGHT PRINTS 888.6772000 CA $81.44 19 13 NOV GABRIEL BROS - HARRISB HARRISBURG PA $16.10 20 14 NOV WORLDSYSTEMS8882318526 PHOENIX AZ $377.00 21 15 NOV NEW YORK & COMPANY #0808 HARRISBURG PA $12.70 6056 506 1 7 20 061120 PAGE 1 of 2 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT ??++',?..?,,,? ?eeOe?? 0 4003442572611450 20 3455160064000180001 ?"?" Iwhat's in your watlet7' New Balance Minimum Payment Due Date $3,455.16 $180.00 Dec. 20, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed = =. Capital One Bank 11411111114111111111 P.O. Box 70884 Charlotte, NC 28272-0664 111181111 1111111111111111111111144111u1111u11u1n11111n111 Account Number: 4003-4425.7261-1450 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address @ #90325349429155710 MAIL ID NUMBER EVIE GONZALEZ 301 N PROGRESS AVE APT A7 HARRISBURG, PA 17109-6502 n1111n11111111111111141111n1111r11nu4141n11111141u4 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. Now, to Avoid a Finance Charge. t e. Gmm Period You will have a minimum grace period of 25 Jaya wAthout flmrxa charge an new purchases, new balance transfers, new apedal purchases and new other charges d you pay your total'New Balance', in accordance with the important Notice fm payments below, and in flow for it to be credited by your next statement dosing rotate. Thane Nano grace period on cash advances an special powers. In additicru, Bum a no grace period any transaction if you do not pay the total 'New batence.' b. Accming Fiance Charge. Transactions which are not subject to a grace period am amassed finance charge 1) from the data of the transaction s2) from the deb the transaction is processed to your Account or 3) from the fire[ calendar day of the G~t billing period. Additionally V you did net pay the 'New Balance' from the previous billing Period in NII, Manor Charges continue to arxaus to your unpaid balance until the unpaid balance is paid in full. This means that you may goo owe flanks charges, even N you pay the enure New Balance Indicated on the front of your statement by the next statement closing data, but did not do so for the previous month, Unpaid finance charges ere added to the applicable segment Of your Account. } c. 6Bnimum Flrssin Charge. Fa each billing period that your account is subject to a finance charge, a minimum total FINANCE CHARGE of 50.50 will be imposed, t d. Temporary Reduction in Finance Charge. We reserve the right to not seems any or all finance charges for any glean billing period. 2. Average Daily Balance (Including New Purchmes). Finance Charge is calculated by multiplying the dally balance of each segment of your account (e.g., cash advance, Purchase, special trasfa, aM special purchase) by he corresponding daily periodic mte(s) that has been previously disclosed to you. At the and of each day during the baling period, wo apply the dally periodic rata for each segment of your account to the daily balance of each sagmem. Than of the end of the b01kg period, we add up the results of these daily Calculations to arrive at your periodic emote Charge for each segment . We add up the results from each segment to arrive at the total periodic Hance charge for your -nL To gal the daily balance for each segment of your account we take the beginning balance for each segment and add wry nnv oansecliom and any periodic finance charge ceicv1mNd on the Pravicus days balance for that segrram. We than aulxrac any peyrtsnteerr radhe posted as of that day that am allocated be that segment. This gives m the separate daily balance for each segment of your account However, If you paid the New Balance shown on your previous statement in full for If your new balance war zero Cr a credit around), new transactions, which post to your Purchase or special purchase segments are not added to the daily balancm. We calculate the average dal bas"C's by adding al the daily balances together and dividing the sum by the number of the days in the current billing cycle. To Calculate your tool Hence Barge, multiply your average daily balance by the drily periodic rate and by the number of days in tha billing period. Due to rounding on a daily basis or due to minimum finance charge ssseasment, there may be a variance between the celcuW x and the amount of finance Burge actually assessed, 3. Ahmed Percentage Raba (APR). a. The term 'Annual Percentage Rate' may appear as 'APR' on the front of this sta ors" h. If the code P (Quatarty Prime), L (Quarterly LIBOR), C (Quarterly CD), or S (Bankcard Prime) appears on the front of this statement next to the periodic rate(s), the par to rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may loo- or decease based on the slated indices, ss fond in The Wall Slreel Journal, plus she margin previously disclosed lo you. Throe dangm wall be sRsc ve on the first day syour billing period covered by your periodic 6laferrsnt ending In the months of January, April, Judy and October. c If the cede D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statamau nes to the Periodic rate(s), the periodic ram and conesporrdng ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the staled Indices, as found In The Well Street Journal, plus the margin previously disclosed to you. These charges will be effective on the first day of your billing period each month. a. Assessment of Lab, Overibnft and Resumed Payment Fora. Under the terms of your customs agreement, we mmmis the right to wave or not to seems any fees without priornotiflcatiern to you without vnivhg ourdght foassess the semen similarfees ata latertime, t S. Rarraafng Your Account If a membership fee appears on the front of your statement, you love 30 days from the date this statement was mailed to you to mid paying the fee or to have such fee Credited to you N you cancel your account without having to Pay the membership fee. To cancel your account you must notify us by Calling our Cuatoma Relations Department and pay your 'N- Balance' in ful (excluding the membership fee) prior to the and of the thirty-day period. 6. N You CIO" Your Aeoaurd. You sun request to dorm your account by Calling our Customs Relations Department. You must destroy Y" credit card(s) and account access dads, ravel 80 Preauthorized billing and arose using your account. After your request to close, N you continue to transact or do not cancel preau thoaut d billing arrangements, we WII Cooslder receipt of a large your authorization to keep your account open. Addhionsly your account will not be closed unfit you pay all amounts; you owe us including: any transactions you have authorized, finance charges, past due fees, Overimh fern, returned payment fees, rash advance fern and any other "s a"ce"d to your account. You am responsible for these amount loather they appear on your account at the time you request to Close the account or they am Incurred subsequent to your request to dose the account , This may result in charges appearing on your account after you have mquesled the account to be dosed. 7. Using Your Account Your card or account cannot be used in connection with any Internet gambling transactions. 6. Notice About Electronic Check Convamion. When you provide a checlr tie payment you auhmize us either to use information from your check to make a one-fine electronic fund transfer from yaw bank account or to process the Payment as a check trarimcil m. When we use Information from your Check to make an electronic fund transfer, funds nay he withdrawn horn your hank account as soon as the same day we receive your payment, and you will not receive your check back from your flnsndaI tnsUatim BILLING RIGHTS SUMMARY (In Cam of Enpre a Questions about Your BIN) N you think your NII is wrong, or N you need more Information on a trensecim or bid, write to us on a separate sheet as soon as possible at the eddmss for inquiries shown on the front of this statement We must hear from you no leer can 60 days offer we sent you the flint bill an which the error or problem appeared. You can ?I ow, Customer Relations number, but doing NO will not pr"amis your rights. In your latter, give us the following information: your name and account number, the closer amount of the suspected error, a description of the amen and an . explanalon, N possible, of why you believe them is an error; or N you need more information, a description of the item you are unsure about You do not have la pay any amount in question white we am investigating ft, but you are sal obligated to pay the parts of your bill that are not in question. While we Investigate your question, sus cannot report you as delinquent or take any action to collect the amount you question. F, 1 Special Rule for Credit Card Purchases N you have a problem with the quality of property or services that you purchased with a Credit Card and you have tried in good faith to correct the problem with the merchant r. may have the fight not to pay the remaining amount due on the property err services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home stab or within 100 miles of your mailing address. (If we own or operate the merchant, or N we mailed you the advertisement for the property or services, all purchases are covered regardless of amount a locadiw of purchase.) Plmse remember to sign all correspondence. t Does not apply to consumer noncmds Card accounts It Does rot apply to business non-credit cad accounts Capital One supports information privacy protection; see our wehaae at wow loe a Capital One is a federally registered service mark of Capital One Financial Corporation. All rights rammed. 0 2006 Capital One TC-08 01 BC6056 - 6 - 12121106 Important Notice: Payments you mal to m will be credead to your account as of the business day we receive s, pmvi led (1) you send the beflom Portion of the sclament it your crack in the aroused rembence enYelDpe and (2) your payment is received in our processing center by 3 p.m. ET (12 nom Pr). Please allow at lest eve (5) business days "tat delivery. Payments received by us at any oiler ncatnn or in any oiler form may not be oedisd a of the day war receive diem. qrc budress days are Monday through Saturday. excluding holidays Plam do net use staples, paps clips, etc. when Reperig your payment. When you send us a check(s), you auiw ze us to make a one-time eels tmic transfer debit from your bank account for the amount of the check. This whirzatlnn "lea to at checks received dung the billing cycle even 1 sent by someone else. fi m camel process the transfer, you authorize us to make a charge against your bank account using the Bieck a paper draft or other tem. CaMitaloW 500017 ?I??p _ Keen mir • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FINANCE Previous Balance Payments & Credits C HARGE Transactions New Balance Minimum Payment Due Date C$2,584.32 - $0.00 + $41.04 + $829.80 = $3,455.16 C?? Dec. 20, 2006 Oct. 21, 2006 - Nov. 20, 2006 Page 2 of 2 PLEASE PAY AT (FAST THIS AMOUNT ccount Transactions (continued) 50 QA /?H? 22 20 NOV PAST DUE FEE $35.00 Information F REWARDS 23 20 NOV PAYMENT PROTECTION 1-888-527-6904 $30.47 LINE $6,000.00 You were assessed a past due fee because your minimum payment was not received b th d d AAVAAILLAABBLEE LE CREDIT $2,544.84 y e ue ate. To avoid this fee in the future, we recommend that you all ow at least 7 business days for our minim m CREDIT LINE FOR CASH $3,000.00 y um pay ent to reach Capital One. AVAILABLE CREDIT FOR CASH $2,544.84 6056 506 1 7 20 061120 PAGE 2 of 2 O1BC6056 ' 94 7 a month; $9.95/mo. thereafter' SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: TOPAZ3 or Visit www.peoplepc.com/goAopaz3 peoplepc® online `111 A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half-price for the first 3 months! I Email Virus Protection 11 Pop-Up EllockerTM ?J Spam Controls ' Smart Dialer IV Phisher Security % Internet Call Waiting FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,455.16 - $246.97 + $57.23 + $1,412.71 = $4,678.13 $140.00 Jan. 20, 2007 Nov. 21, 2006 - Dec. 20, 2006 Page 1 of 2 PLEASE PAY AT LWT THIS AMOUNT Visa Platinum Account 4003.41257261.1450 CAI ! Hassle Your Account Information REWARDS TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $1,321.87 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $221.87 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding CHARGE applied to rate APR Purchases $4,245.73 0.044939/6 D 16.40% $57.23 Cash $0.00 0.06137% D 22.40% $0.00 ANNUAL PERCENTAGE RATE applied this period: 16.40% At Your Service 1. M4557070 To call Customer Relations or to report a lost or stolen card 0 SNW payments to: Capital One Bank - P.O. Box 708M - Charlotte, NC 28272.0884 ® Send Inquiries to: Capital One P.O. Box 30285 • Sall Lake City, UT 84130-0285 Aft For more information on your Rewards: Visit: wvw.capitalone.coMmiesrawards Call: 1-800-228-3001 6056 506 1 7 20 061220 Cal~OW. I what's in your wallet?. Rewards Summary Previous available balance: 11,674 Eared this period: 1,434 (reflects transactions posted during this billing cycle) Available Balance: 13,108 Pa yments. Credits & Adjustments 1 21 NOV CAPITAL ONE ONLINE ACH PA YMENT $77.00- 2 14 DEC LATE PAYMENT FEE ADJUSTM $35.00- 3 14 DEC AEROPOSTALE #337 CAMP HILL PA $14.75- 4 14 DEC OLD NAVY #5348 CAMP HILL PA $17.22- 5 19 DEC CAPITAL ONE ONLINE ACH PA YMENT $103.00- Transactions 6 21 NOV WORLD SYSTEMS 8882318526 888-231-8526 AZ $495.00 7 22 NOV DEB SHOPS 008 HARRISBURG PA $12.00 8 24 NOV CHAMPS #4563 HARRISBURG PA $19.99 9 29 NOV AMERIPLAN ECOMMERCE 800-550-9726 TX $1.00 10 29 NOV FOREVER21 #17011 CAMP HILL PA $6.80 11 29 NOV YUMMY JAPAN # 3 CAMP MILL PA $6.86 12 29 NOV HESS 38309 HARRISBURG PA $0.50 13 01 DEC YUMMY JAPAN If 3 CAMP MILL PA $1217 14 01 DEC EXOTIC EXPRESSIONS CAMP HILL PA $2119 15 01 DEC CHARLOTTE RUSSE #253 CAMP HILL PA $17.98 16 01 DEC GAP #6601/THE CAMP HILL PA $0.97 17 01 DEC OLD NAVY #5348 CAMP HILL PA $27.16 18 01 DEC HICKORY FARMS # 11229 CAMP HILL PA $5.99 19 01 DEC MOTHERHOOD 1713 CAMP HILL PA $29.98 20 02 DEC BLOCKBUSTER VIDEO #90315 HARRISBURG PA $12.69 21 02 DEC CIERVO PIZZA HARRISBURG PA $11.55 22 02 DEC 800-930-9932 ONLINE SU 805-9649126 CA $39.95 23 04 DEC GIANT FOOD #269 CAMP HILL PA $11.64 24 04 DEC AEROPOSTALE #337 CAMP HILL PA $6.00 25 04 DEC GAP #66011THE CAMP HILL PA $11.93 26 04 DEC OLD NAVY #5348 CAMP HILL PA $7.50 PAGE 1 of 2 OISC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4003442572611450 20 4678130103000140005 New Balance Minimum Payment Due Date C$4,678.13 $140.00 Jan. 20, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70664 111 Al is is ss is 111 toll Charlotte, NC 26272-0664 1 11111111111114111111111111111111111111itilitll111111ti11t1111 f First 3 months half-price Account Number: 4003-4425-7261-1450 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address @ e9035534942915576e MAIL ID NUMBER EVIE GONZALEZ 1520 GREEN ST APT 3 HARRISBURG, PA 17102-2561 nrlll$II11111111,1111 1 111111 11111111111111111111111111itI I Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. peoplepc- online ? A better way to Internet. UNLIMITED INTERNET ACCESS SION UP TODAY: 1-877-778=1207 Mention Offer Code: TOPAZ3 or visit www.peoplepe.com/go/topaz3 PeoplePC is solely responsible for this offer, 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 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. 'PeoplaPC Online: Fist 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. Plane technical support available for $1.95 per minute. For questions, call toll free at 1-877-778-1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone tOi charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result it telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeoplePC's discretion. Continuous use subject to limeout procedures. AJI use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. C 2006 PecplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. C 2006 Capital One, Services, Inc. Capital One is a federally registered service mark. All rights reserved. 1. How to Avoid a Finance Charge. I a. Grace Period. You whit hove a minimum grace period of 25 days without Pounce charge on new purchases, new balance transfers, new special purchases and new, otter charges t you pay your total 'New Balance", in accordance with the Important Notice for payments below, and in time for k to be Credited by your ram statement closing Class. Them is no grace period on cash advances and special ba sfers. In addition, them I. no grace period on any transadtan if you do not pay the total "New balance." b. Accruing Finance Charge. Transactions which are not sublact to a grace period are assessed finance charge 1) from the dale Of the VarsaWon or 2) from the date the tmtwadion is processed to yew Account or 3) from the first calendar day of the current billing period. AdddmWV if you old not fay the "New Balance" from the previous biting period in full, finance dlwrges conmus in socrus to your unpaid balenca unfit the unpaid ballance is paid in full. This means that you may all owe finance charges, even N you pay the entire New Balance indicated on the front of your statement by the next statement closing dam, but did not do se for the preview ..in. Unpaid finance charges em added tc the applicable segment of you, Account. t c. Minimum Finance Charge. For each billing period Mat your account Is subject to a Pounce charge, a minimum total FINANCE CHARGE of $D.50 will be imposed. t d. Temporary Reduction m Finance Charge. We reserve 0. right to not esame any or all finance charges for any given biting pMod. 2. Average Daily SaWwo (Including Now Purchases). Finance Charge is Calc fated by multiplying the daily balance of each segment of your acceunt (e.g., cash advance, purchase, special transfer, and special purchase) by the conespo drag daily periodic fate(s) that has been previously disdosed to you. At the and of each day during the biting period, we apply the dally periodic rate for each segment of your account to the daily balance of each mgmerd. Than at the and of the billing period, we add up the results of these daily calculations to arrive at your periodic finance charge for aeon segment. We add up the msulls from each segment to arrive at the total periodic finance charge for your ammum To gat the daily balance for each segment of your account we take the bag)mahg behind, for each segment and add any new(ranaadloas and any periodic finance change calculated on the previous days balance for that segment. We Man subtract any payiema or credits posted as of dot day that am allocated to that segment. This gives us the cap&-" daily balance for each segment of your account. However, If you paid the Now Balance shown on your previous statement in full for If your new balance was zero or a credit arrant), new transactions. which post to ynwr purchase or special Purchase segments are not added to the dally balances. We Calcu ale the average daily balance by adding al the dailybalaoas togas er and dividing the sum by the number of the days in the Current billing Cycle. To calculate your total finance charge, multiply your average daily balance by the daily periodic rate and by the number of days in the biting period. Due to founding on a daly basis or due to minimum finance charge assessment, there may be a variance between IN. calculation and the amount of ananca Charge edudly assessed. 3. Annual Parcantaga Rats (APR). a. The term "Annual Percentage Rate" may appear ore "APR" on the front of this statement. b. If the code P (Own" Prime), L (Quarterly LIBOR), C (Quarterly CD), or S (Bankcard Prime) appears on the from of this statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may Inrxesae or decrease based on the stated indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. These charities ail be effective on tie first day of your billing period covered by your Perio k sleama t ending in the months of January, April, July and October. c. If the code O (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement men to the periodic ate(a), the periodic miss and corresponding ANNUAL PERCENTAGE RATES may very monthly and may InCresse or decrease based on the stated Indices, as found in The Wall Speed Journal, plus the margin previously disclosed to you. There charges will be effective on the that day of your billing period each month. 4. Assessment of Lase, Overlknit and Returned Payment Fees. Under the temps of your customer agreement, we reserve the right to "he or not to me" any fees without priornotification to yott without wahAng our right to assess the samecr simdarf res ate latartirre. T S. RenaxMug Yar Account If a membership fee appears on the front of your statement you have 30 days from the data this statement was mailed to you to avoid paying the fee or to have such fee Credited to you d you cancel your scCoud withmd having to pay the membership tae. To carpel your account you must notIfy us by casing our Customer Raleecns Department and pay your "New Balance" in full (excluding the membership fee) prior to the and of it,. thirty-day period. 6. B You Clop Your Account. You Can request to dose your account by calling our Customer Relations Department. You must destroy your credit card(s) and account aecom chocks, ducal all preauthorized billing and cease using your account. After your request to dose, if you Continue to transact or do not Centel presuthoaized hitting arrangements, we Wit Insider receipt of a charge your authorization o keep your account open. Addi ionaly, your account will not be dosed until you pay all amounts you owe us induding: any transactions you have authorized, finance charges, past due fees, ovedimk fans, returned payment fees, Cash advance fees and any other fees assessed to your account. Yalu arc responsible for these amounts whether they appear on your account at the time you request to dose the account or they are Incurred subsequent to your request to dose the account. This may result in dosses appearing on your account after you have requested the account to be dosed. 7. Ucing Your Account. Your card or account Cannot be toed in Connexion with any Internet gambling transactions. 81 Notice About Eleoironic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to male a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use nformal from your Check to make an electronic fund transfer, funds may be wi8drawn from your bank account as soon as the same day we receive your payment, and you whit tot-I. your check back from your financial Institution. BILLING RIGHTS SUMMARY (In Caen of Errors or Quodons abort Your BRJ If you think your bill is wrong, or if you need more information on e transaction or bill, write to us on a separate sheet as soon as possible et ore address for inquiries shown w the frml of this statement. We must hear from you no later than 60 days after we sent you the find bill on which the error or problem appeared. You can call our Customer Relations number, but doing so will not preserve your rights. In your letter, give us the following Information: your name, and account number, the doge, emohne of the suspected error, a description of the error and an explanation, If possible, of why you bedew them is an error. or If you need more infomha0on, a description of the item you are unsure about You do not have to pay any amount in question "Ila we are investigating h, but you am still obligated to pay the parts of your bill cut are not in question. While we investigate your question, we Cannot report you es delinquenl or lake any action o Culled tin armored you question. t, t Special Rule for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you have coed in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. You have this protection only when Me purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of your mating address. (II we own or operate the merchant, or d we mailed you the advertisement for the property or services, all purchases are Covered regardless of amount or location of purchase.) Please remember to sign all correspond-ce. I Does not apply to Consumer non-credo Card accounts t Does not apply o business noncredit call accouna Capital One supports Information privacy protection: see cur website at vnvw cemalone.cam. Capital One Is a federally registered service mark of Capital One Financial Corporation. All rights reserved. 02006 Capital One 01806056.6 -12121106 Inportmt Node: Partisans you mall to a wg be aedled b you account a aim boo ess day we retain n, provided (1) you sard she hadnh potion ems afatemam and your dwdk in dw,doad rs'i n-envelope and (2) your payment N recaved bar pro makg csmar by 3 p.m. ET (12 neon PT). Pl'- allow at Nat the (5) t akass days for patzi delivery. Payment recalled by a u any amt Watbn a In any DO. form may not be oredted a of are day as reeebe dram. Our busknas days are Monday exough Saturday, exdudhg holidays. PNme do not nee aoples, paper dips. etc. wren prep si g your payment. when you provide a tied u Parent you althatre a either bore Information from your dealt b mete a m-time decscrb fund transfer from your acmum or to process rile payment as a chedd rareetdpn. When we We kdornhe6on Warn you dedi W male ate electronic fuxd asMa, funds mwy bewfthdra n from your account as soon as ft same day as monks your payment and you will not recehe your duck balk from you financial 113011401. CapitaloW 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history-it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,455.16 - $246.97 + $57.23 + $1,412.71 = $4,678.13 $140.00 Jan. 20, 2007 Nov. 21, 2006 - Dec. 20, 2006 Page 2 of 2 PLEASE PAY AT LEAST THIS AMOUNT Visa Platinum Account Transactions (continued) 400344257261.1450 QIAf !Hwsle ?? 27 04 DEC YUMMY JAPAN # 3 CAMP MILL PA $5.70 REWARDS- Your Account Information 28 04 DEC NATL COMMUNITY NETW 8006862705 DE $87.00 29 05 DEC CHARLOTTE RUSSE #253 CAMP HILL PA $19.23 TOTAL CREDIT LINE $6,000.00 30 05 DEC SBARRO ITALIAN EATERY CAMP HILL PA $5.38 TOTAL AVAILABLE CREDIT $1,321.87 31 07 DEC BOURBON ST. GRILL CAMP HILL PA $4.83 CREDIT LINE FOR CASH $3,000.00 32 07 DEC PAYLESSSHOES0000039214 CAMP HILL PA 00 $6 AVAILABLE CREDIT FOR CASH $1,321.87 33 07 DEC CLAIRE'S BOUTIQUES 5409 CAMP HILL PA . $5.30 34 07 DEC B MOSS 00100719 CAMP HILL PA $5.09 35 09 DEC PANDA CHINESE KITCHEN CAMP HILL PA $4.51 36 09 DEC CHARLOTTE RUSSE #253 CAMP HILL PA $14.97 37 10 DEC FOREVER21 #17011 CAMP HILL PA $806 38 10 DEC HOT TOPIC 0210 CAMP HILL PA $3.16 39 10 DEC FLAMERS # 116 CAMP HILL PA $6.66 40 10 DEC PIERCING PAGODA 00774 CAMP HILL PA $15.89 41 10 DEC CHARLOTTE RUSSE #253 CAMP HILL PA $13.80 42 10 DEC SBARRO ITALIAN EATERY CAMP HILL PA $9.19 43 11 DEC CIERVO PIZZA HARRISBURG PA $9.00 44 12 DEC PEOPLE PC INT SVC 866-226-1015 CA $10.95 45 12 DEC TACO BELL 023100231423 CAMP HILL PA $2.11 46 12 DEC AEROPOSTALE #337 CAMP HILL PA $8.29 47 12 DEC THE CHILDRENS PLACE #1631 CAMP HILL PA $7,12 48 12 DEC PAYLESSSHOES0000039214 CAMP HILL PA $6.99 49 12 DEC EXXONMOBIL75 04209722 CAMP HIL PA $15.12 50 12 DEC GAP #6601/THE CAMP HILL PA $5.94 51 12 DEC FLAMERS # 116 CAMP HILL PA $6.01 52 12 DEC PIERCING PAGODA 00774 CAMP HILL PA $4,23 53 12 DEC CHARLOTTE RUSSE #253 CAMP HILL PA $9.98 54 12 DEC SUBWAY # 23860 CAMP HILL PA $1.79 55 14 DEC JCPENNEY STORE 2712 CAMP HILL PA $3.99 56 14 DEC AEROPOSTALE #337 CAMP HILL PA $14.75 57 14 DEC SEARS ROEBUCK 2624 CAMP HILL PA $44.98 58 14 DEC A EAGLE OUTFTR00001917 CAMP HILL PA $29,95 59 14 DEC TACO BELL 023100231423 CAMP HILL PA $410 60 14 DEC GAP #6601trHE CAMP HILL PA $4.23 61 14 DEC OLD NAVY #5348 CAMP HILL PA $15.58 62 14 DEC CHARLOTTE RUSSE #253 CAMP HILL PA $25 71 63 14 DEC CHARLOTTE RUSSE #253 CAMP HILL PA . $15.73 64 14 DEC THE ORIGINAL SOUP MAN CAMP HILL PA $2.86 - 65 15 DEC THE CHILDRENS PLACE #1631 CAMP HILL PA $6.99 66 15 DEC FLAMERS # 116 CAMP HILL PA $13.31 67 15 DEC THE ORIGINAL SOUP MAN CAMP HILL PA $1 43 68 16 DEC SEARS ROEBUCK 2624 CAMP HILL PA . $10.59 69 16 DEC SUNOCO SVC STATION CAMP HILL PA $20.02 70 17 DEC BLOCKBUSTER VIDEO #90315 HARRISBURG PA $23.31 71 17 DEC CHARLOTTE RUSSE #253 CAMP HILL PA $22.93 72 17 DEC CHARLOTTE RUSSE #253 CAMP HILL PA $4 44 73 18 DEC 8009309932ONLINSUPLIER 800-9309932 CA . $39.95 74 19 DEC KW AND C HARRISBURG PA $5.25 75 20 DEC PAYMENT PROTECTION 1-888-527-6904 $41.26 6056 506 1 7 20 061220 PAGE 2 of 2 OIBC6056 0 0 Q • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. 0000111111111)0 500023 Ready to transfer? See reverse to learn how. Call 1-877-476-7939• Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $4,678.13 - $853.01 + $70.91 + $1,435.78 = $5,331.81 $159.00 Feb. 20, 2007 Dec. 21, 2006 - Jan. 20, 2007 Page 1 of 3 ?LEASE FAY AT LEAST THIS AMOUNT Visa Platinum Account 4003.4425.7261.1450 Your Account Information TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $668.19 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $668.19 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $5,091.04 0.04493% D 16.40% $70.91 Cash $0.00 0.06137% D 22.40% $0.00 ANNUAL PERCENTAGE RATE applied this period: 16.40% At Your Service 1400455-7070 To call Customer Relations or to report a lost a stolen card ® Send payments to: Capital One Bank -P.O. Box 70884 • Charlotte, NC 28272-0884 A Send inquiries to: Capital One P.O. Box 30285 - Salt Lake City, UT 84130-0285 -Important Notice- At this time we are unable to provide your Rewards Summary. To review your current Rewards balance or additional Rewards information, please call the number on the back of your credit card. We apologize for any inconvenience this may cause. Payments, Credits 8 Adjustments 1 21 DEC BLOCKBUSTER VIDEO #90315 HARRISBURG PA $21 98- 2 21 DEC CHARLOTTE RUSSE #253 CAMP HILL PA . $36.27- 3 21 DEC 8009309932ONLINSUPLIER GOLETA CA $39 95- 4 09 JAN HOLLISTER #484 LOWER ALLEN PA . $15.89- 5 10 JAN GAP #66017THE CAMP HILL PA $7.00- 6 11 JAN BARNES 8 NOBLE #2046 HARRISBURG PA $16.89- 7 13 JAN CAPITAL ONE ONLINE ACH PA YMENT $318 00- 8 15 JAN CAPITAL ONE ONLINE ACH PA YMENT . $397.03- Transactions 9 19 DEC CIERVO PIZZA HARRISBURG PA $7.80 10 20 DEC PANDA CHINESE KITCHEN CAMP HILL PA $4.29 11 20 DEC CHARLOTTE RUSSE #253 CAMP HILL PA $8.99 12 20 DEC EXPRESS # 0507 CAMP HILL PA $48.98 13 21 DEC GIANT FOOD STORES #252 HARRISBURG PA $47.17 14 21 DEC AMOCO OIL 06954747 LEMOYNE PA $4.23 15 21 DEC AMOCOOIL 06954747 LEMOYNE PA $20.00 16 21 DEC BLOCKBUSTER VIDEO #90315 HARRISBURG PA $14 69 17 21 DEC CHARLOTTE RUSSE #253 CAMP HILL PA , $1200 18 21 DEC HOLIDAY HAIR CAMP HILL PA $16 00 19 21 DEC BATH 8 BODY WORKS 0507 CAMP HILL PA . $7.95 20 21 DEC FOTO FANTASY INC 888-5614748 PA $3 00 21 22 DEC BOURBON ST. GRILL CAMP HILL PA . $6.26 22 22 DEC CHARLOTTE RUSSE #253 CAMP HILL PA $5 58 23 23 DEC THE WET SEAL #636 CAMP HILL PA . $4.99 24 23 DEC FLAMERS # 116 CAMP HILL PA $5 99 25 24 DEC HOUSE OF CARDS CAMP HILL PA . $10.04 26 24 DEC TACO BELL 023100231423 CAMP HILL PA $348 27 24 DEC THE SHOE DEPT 0443 CAMP HILL PA $2.99 28 24 DEC SUNOCO SVC STATION CAMP HILL PA $2.43 6056 506 1 7 20 070120 PAGE 1 of 3 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4003442572611450 20 5331810397030159008 ?' I what's in your wallet?' New Balance Minimum Payment Due Date Account Number: 4003-4425-7261-1450 Please print address or phone number changes below using blue or black ink. $5,331.81 $159.00 Feb. 20, 2007 Address PLEASE PAY AT LEAST THIS AMOUNT Home Phone Altemafe Phone E-mail address @ Amount Enclosed s9002134942915576s MAIL ID NUMBER EVIE GONZALEZ 1520 GREEN ST APT 3 Capital One Bank HARRISBURG, PA 17102-2561 P.O. Box 70884 IFIrtIllrtttlFLrtr10 LrtlllIt [Etrllllutttltlt,lrIt 6lttllttrtrlll6rrttlltpill ll Charlotte, NC 26272-0884 1111116111 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. i. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 3-877-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. How to Avoid a Finance Chages. - t e. Grip Period. You will have a minbnum grew period of 25 days without finance charge - new purchases, new balance transfers. new special purchases and new other charges N You pay your bat "New Balance", in accordance with the important Notice for payments below. and In time for it to be credited by your next aralement closing date. There is no grace period - cash advances and spatial trend... In addition. there h ro grace period on any transaction if you do not pay the total "Naw balance." b. Accruing Finance Charge. Transactions which we not "ad to a grace period lie assessed finance charge 1) from the data of the I amectim or2) from the dale the tmnawclion is prooesead to your Account or 3) horn the final calendar day of the current Ming period. Additionally, If you did not pay the "him Balance" from the previous bdbg period in full, finance charges continue to accrue to your unpaid balance until the unpaid balance is paid in full. This means that you may SON owe stance charges, even N you pay bra antim New Balance Indicated on the fmnt of your statement by the next statement closing date, but did not do so for ft previous month. Unpaid fnarxe charges am added to the applicable segment of your Account. t c. Mniman Flssnce Charge. For each billing period that your arco,nt is subject to a Rance charge, a minimum total FINANCE CHARGE of $0.60 will be imposed. t d. Temporary Reduction in Fieum- Charge. We reserve the right to not assess any or all Mann charges for any given bung period. 2. Awmge Daly Balance (Including New Purchaawa Finance charge is calculated by multiplying the daily balance of each Segment of your account (e.g., ash advance, purchaw special trerWa. and special purchase) by the corresponding daily periodic rat(s) mall has been previously disclosed to you. At the and of each day during the biting period, wo apply the daily periodic rate for each segment of your account to the daily balance of each sagmam. Then at the and of the billing period, we add up the results of these tlalfy calculations to arrive at your periodic _ finance charge for each segment. We add up the Mulls from each segment to Solve at the total periodic Tirana charge for your account To go the dally balarhoa for each segment of your account we take the beginning balance for each segment and add any new transactions and any periodic Mena charge calculated on the pmvbus day'S balance for that segresnl. We tan Subtract any payYrama or credits posted as of that day that aro .located bx that esgment. This gives m the seperala daily balance for each segment of your account. However, if you paid the New Balance shown on your previous statement in full (or if your new balance was zero or a credit around). new bxwectiaa, which pat to your purchase or special purchase segments are not added to the daily balances. We calculate the average dally balance by adding as the daily halmoss together and dividing the sum by the number of the days in the current baling cycle. To calculate your total finance charge, multiply Yooraverage dailybalanceby the dally Periodic rel. and by the number of days in the biling Period. Due to rounding on a daily basis or due to minimum stance charge assessment, them may be a variance between this calculation and the amount or finance chugs actually assessed 3. Annwl Percentage Rags (APR), a. The term 'Annual Percentage Rate" may appear as 'APR" on the front of this statement. b. If the code P (Quad" Prime), L Quarterly LIBOR), C (Quarterly CD), or S (Bankcard Prime) appears - the front of this statement next to the periodic rate(s), the periodic rates and wneepondlng ANNUAL PERCENTAGE RATES ^aY very quarterly and may Increase or decrease based on the staled indiM, as found in The Well Steel Journal, plus the margin previously disclosed to you. These charges veil be effective on the first day of your Nlig period covered by your periodic statement ending in the months of January, April, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appeam on the from of your satemsnt next to the periodic rate(s). the periodic ram and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or deomase based on tee sated indices, as found in The Wall Street Journal, plus the margin Pmvloualy disclosed to you. These changes will he effective on the lint day of your biting period web mmth. a. AseaeamaM W Law, OverilmN and Returned Payment Fees. Under tha terns of your customer agreement, we reserve the right to wehro or not to assess any fees without priornotificatonto you whhoutwaNng ourrigM to assess the same or similerfees at a la(ertme. T 5. Rerawirg your Account. If a membership fee appeam m the front of your stammat, you have 30 clays from the date this Statement was mailed to you to avoid paying the fee or to have such fes credited to you if you anal your ecccurt vdtlaA having a pay the nenlbaship fee. To cencel your account, you must notify us by spin our Customs Relations Department and pay your 'New Bal-W in full (excluding the membership fee) prior to the and of the thirty-day period 6. R You Close Your Account. You an request to dose your account by sling our Customer Relations Department. You must destroy your credit card(s) and accost access dada, cancel at Preauthorized billing and owes using your account After your request to close, it you continue to transact or do not cancel pmauthorized billing arrangemmts, we will consider receipt as darge your authodzatim to keep your account open. Additionally, your account will not be dosed untif you Pay all amounts you owe us including: any transactions you have authorized, finance charges , past due fees, ovedimN fees, mtumed Payment fees, ash advance fees and any other fees assessed to your account. You lie responsible for these amounts whether they appear w your account at the time you request to doss the account or they am ncuned subsequent to your request to dose the account. This may result in charges appearing m your account after you have requested the acoomt to be dosed. 7. Using Your Account Your card or account canna be used in connection with any Internet gambling transactions. S. Notice About Electronic Cheek Conversion. When you provide a check as payment, you autharize us either to use information from your check to make a one-lime electronic fund tra-fer from your bank eommt or to process the payment as a check tramacton. When we use imofinefien from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day wa receive your payment, and you will not receive your check back from your financial Institution. BILLING RIGHTS SUMMARY (In Case of Errors or Questona about Your Sid) If you think your bill is wrong, or If you need mom Information on a transaction or bill, write to us on e separate chest - soon as 'possible el the address for inquiries shown on the front of this statement We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can all our Customer Reasons number, but doing ao wli not preserve your nghts. In your letter, give us the following information, your name and account number, the dollar amount of the suspected error, a description of the error and an explanation, Of pomible, of why you bell.. Mare la an error, or If You need mom information, a description of the item you am unsure about You do not have to pay any amount in quest;- wh6e we are investigating it, but you are Still obligated to pay the pans of your bill that am rot In question. While we I-eatgats your question, we cannot report you as delinquent or take any action to collect the amaum you question. t, t Spacial Rule for Credit Card Purclases N you have a problem with the qually of property or service that you purchased with a credit card and you have teed in good faith to correct the problem with the merchant, you may have the right not to Pay the remaining amount due on the popery or Services. You have this Protection only when the purchase price was mom than $50.00 and the purchase was made In your home state a within 100 miles of your mailing address. (If we own or operate the merchant, or t we nailed you the advertisement for the Property a services, all purchases are livered regardless of amount or location of purchase,) Plasm remember to sign all comespondence. t Does not apply to consumer non-cmdd card aacums t Does not apply to business non-credit card accounts Capital One supports information privacy Protection: see our wabslte at wow adalae am. Capital One Is a federally registered serAce mark of Capital One Financial Corporation. At rights reserved. ® 2006 Capital One 01 BC6056 - 6 - 12121106 iWafant Notice: Payers you coal a a VA be credited b your aomet as lime bushars day we moat. It, prodded (1) you semxt se bell- portion of tae statement and your e-d, In the andoead lemdano amslepe and (2) your payment Is mtaled h out Romatng center by3p.m.ET(12man Pf).Pleasealo-ati-t%-(5)buekwsedaysforPwWd*-y. Payments-shedby valtry other location kV are any omxfor. My not be aedad as lithe day -a marfn teen. Our bdmn days am Monday through Saturday, exck dkV holdays. Pleare da nut we sapb, paper do, etc. when Reps" youriaynem. Mien you provide a desk as payment you alMaize us eMw b use Infamalbn from your dad, to make a asHha siecasacf lei tanefw ban yow ecmlart tlo Posse to payment "a deck trereacti- When as use Information from your check 1c male an Medmcc find transfer. had. My be wtlhdrewn from you-nt se soon as the same day we receive your payment and you WE no mamba your check back from your financial Institutor. Capfta/oW 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $4,678.13 - $853.01 + $70.91 + $1,435.78 = $5,331.81 $159.00 Feb. 20, 2007 Dec. 21, 2006 - Jan. 20, 2007 Page 2 of 3 PLEASE PAY AT IEAST THS AMOUNT Tra nsaction (co ti d) Visa Platinum Account s n nue 4005-4425.7261.1450 29 24 DEC THE ORIGINAL SOUP MAN CAMP HILL PA $2.14 30 26 DEC PANDA CHINESE KITCHEN CAMP HILL PA $4.29 Your Account Information 31 26 DEC CHARLOTTE RUSSE #253 CAMP HILL PA $4.99 TOTAL CREDIT LINE $6,000.00 32 26 DEC HICKORY FARMS # 11229 CAMP HILL PA $6.49 TOTAL AVAILABLE CREDIT $668.19 33 27 DEC SUBWAY # 23860 CAMP HILL PA $4.23 CREDIT LINE FOR CASH $3,000.00 34 27 DEC SUNOCO SVC STATION HARRISBURG PA $20.03 AVAILABLE CREDIT FOR CASH $668.19 35 29 DEC WAL-MART #1591 HARRISBURG PA $17.83 36 30 DEC GYMBOREE #036500003657 CAMP HILL PA $18.95 37 01 JAN THE CHILDRENS PLACE #1631 CAMP HILL PA $1.99 38 01 JAN SUNOCO SVC STATION HARRISBURG PA $20.00 39 02 JAN GREYHOUND LINES #9399 HARRISBURG PA $6.85 40 02 JAN CKW CHECKWORKS 800-971-0223 CA $9.90 41 03 JAN PANDA CHINESE KITCHEN CAMP HILL PA $6.25 42 03 JAN PANDA CHINESE KITCHEN CAMP HILL PA $1.58 43 03 JAN GAP #6601TTHE CAMP HILL PA $3.97 44 03 JAN FOOT LOCKER #7562 CAMP HILL PA $16.49 45 04 JAN TARGET 00012542 HARRISBURG PA $16.41 46 04 JAN WINE & SPIRITS 2210 HARRISBURG PA $12.70 47 04 JAN BLOCKBUSTER VIDEO #90315 HARRISBURG PA $4.23 48 04 JAN TWO BROTHERS PIZZA HARRISBURG PA $4.14 49 05 JAN AEROPOSTALE #337 CAMP HILL PA $10.80 50 05 JAN OLD NAVY #5348 CAMP HILL PA $4.83 51 05 JAN SUBWAY # 23860 CAMP HILL PA $2.73 52 05 JAN YUMMY JAPAN # 3 CAMP MILL PA $5.70 53 06 JAN ARBY'S #1172 00011726 CAMP HILL PA $11.85 54 06 JAN TACO BELL 023100231423 CAMP HILL PA $3.69 55 06 JAN SUNOCO SVC STATION HARRISBURG PA $3.18 56 06 JAN BATH & BODY WORKS 0507 CAMP HILL PA $9.26 57 07 JAN WM SUPERCENTER HARRISBURG E PA $12.47 58 08 JAN THE CHILDRENS PLACE #1631 CAMP HILL PA $3.50 59 08 JAN SUNOCO SVC STATION CAMP HILL PA $10.00 60 09 JAN HOLLISTER #484 LOWER ALLEN PA $29.78 61 09 JAN A EAGLE OUTFTRD0001917 CAMP HILL PA $72.94 62 09 JAN GAP #660VTHE CAMP HILL PA $63.68 63 09 JAN SUBWAY # 23860 CAMP HILL PA $2.20 64 10 JAN PANDA CHINESE KITCHEN CAMP HILL PA $731 65 10 JAN AEROPOSTALE #337 CAMP HILL PA $10.50 66 10 JAN OLD NAVY #5348 CAMP HILL PA $7.47 - 67 10 JAN SUBWAY # 23860 CAMP HILL PA $4.23 68 11 JAN BARNES & NOBLE #2046 HARRISBURG PA $38.06 69 11 JAN BARNES & NOBLE #2046 HARRISBURG PA $4.29 70 12 JAN SPRINT PCS-995-SP WEB 888-211-0727 KS $397.03 71 12 JAN EXPRESS # 0507 CAMP HILL PA $5.88 72 12 JAN SUBWAY # 23860 CAMP HILL PA $2.84 73 13 JAN THE DISNEY STORE 6603 CAMP HILL PA $5.00 74 13 JAN HOLLISTER #484 LOWER ALLEN PA $12.90 75 13 JAN LIMITED STORES 0009 CAMP HILL PA $24.07 76 15 JAN CHARLOTTE RUSSE #253 CAMP HILL PA $14.82 77 16 JAN BOURBON ST. GRILL CAMP HILL PA $4.33 78 16 JAN CINGULAR'3467392200140 800-331-0500 TN $200.00 79 16 JAN CAMPHILL DINER CAMP HILL PA $7.78 80 16 JAN PAYLESSSHOES0000039214 CAMP HILL PA $18.00 81 18 JAN SUBWAY # 23860 CAMP HILL PA $6.34 6056 506 1 7 20 070120 PAGE 2 of 3 01BC6056 CaMftlo• 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $4,678.13 - $853.01 + $70.91 + $1,435.78 = $5,331.81 $159.00 Feb. 20, 2007 Dec. 21, 2006 - Jan. 20, 2007 Page 3 of 3 PLEASE PAY AT (FAST THIS AMOUNT when you provide a check as payment, you authorize us either to use information from your check to make a Platinum Account Visa Visa Platinum cc one-time electronic fund transfer from your account or to process the payment as a check transaction. When we 4003-4425-7261-1450 use information from your check to make an electronic fund transfer, funds may be withdrawn from your account Your Account Information as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $668.19 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $668.19 6056 506 1 7 20 070120 PAGE 3 of 3 OIBC6056 0 Q • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-877-476-7939• 500020 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Data $5,331.81 - $594.80 + $78.94 + $755.81 = $5,571.76 $167.00 Mar. 20, 2007 r:• Jan. 21, 2007 - Feb. 20, 2007 Page 1 of 2 PLEASE FAY AT LEAST THIS AMOUNT Visa Platinum Account 40034425.7261.1450 Your Account Information TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $428.24 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $428.24 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding Capplied to rate APR CHARGE Purchases $5,667.58 0.04493% D 16.40% $78.94 Cash $0.00 0.06137% D 22.40% $0.00 ANNUAL PERCENTAGE RATE applied this period: 16.ION, Alh At Your Service 1.8004055.7070 To call Customer Relations a to report a lost or stolen card: ® Send payments to: Capital One Bank • P.O. Box 70884 - Charlotte, NC 28272-0884 A Send inquiries to: Capital One • P.O. Box 30285 - Salt Lake City, UT 84130-0285 6056 506 1 7 20 070220 cO~tw what's in your wallet?' -Important Notice- At this time we are unable to provide your Rewards Summary. To review your current Rewards balance or additional Rewards information, please call the number on the back of your credit card. We apologize for any inconvenience this may cause. Pavments. Credits & Adjustments 1 04 FEB BLOCKBUSTER VIDEO #90315 HARRISBURG PA $46.80- 2 08 FEB CAPITAL ONE ONLINE ACH PA YMENT $278.00- 3 17 FEB CAPITAL ONE ONLINE ACH PA YMENT $270.00- Transactions 4 19 JAN HOLLISTER #484 LOWER ALLEN PA $12.90 5 19 JAN BATH & BODY WORKS 0507 CAMP HILL PA $11.52 6 19 JAN SUBWAY # 23860 CAMP HILL PA $1.47 7 20 JAN CHARLOTTE RUSSE #253 CAMP HILL PA $1.91 8 20 JAN FLAMERS # 116 CAMP HILL PA $7.41 9 20 JAN CLAIRE'S BOUTIQUES 5409 CAMP HILL PA $4.77 10 20 JAN SUBWAY # 23860 CAMP HILL PA $3.04 11 21 JAN PANDA CHINESE KITCHEN CAMP HILL PA $4.29 12 21 JAN SUBWAY # 23860 CAMP HILL PA $1.16 13 21 JAN SUNOCO SVC STATION HARRISBURG PA $6.18 14 22 JAN CINGULAR'3467392200140 800-331-0500 TN $78.13 15 23 JAN FOREVER21 #17011 CAMP HILL PA $4.03 16 23 JAN SEARS ROEBUCK 2624 CAMP HILL PA $7.98 17 23 JAN BLOCKBUSTER VIDEO #90315 HARRISBURG PA $69.93 18 23 JAN BORDERS EXPRES01006634 CAMP HILL PA $7.41 19 23 JAN SUBWAY# 23860 CAMP HILL PA $3.48 20 24 JAN PANDA CHINESE KITCHEN CAMP HILL PA $4.76 21 24 JAN A EAGLE OUTFTROOD01917 CAMP HILL PA $2.95 22 24 JAN SBARRO ITALIAN EATERY CAMP HILL PA $2.01 23 24 JAN SUBWAY # 23860 CAMP HILL PA $4.23 24 24 JAN SUNOCO SVC STATION HARRISBURG PA $10.00 25 25 JAN CIERVO PIZZA HARRISBURG PA $5.87 26 26 JAN THE DISNEY STORE 6603 CAMP HILL PA $8.99 27 27 JAN KW AND C HARRISBURG PA $4.65 28 28 JAN KMART 00044792 HARRISBURG PA $22.46 PAGE 1 Of 4 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4003442572611450 20 5571760270000167009 New Balance Minimum Payment Due Date C$5,571.76 $167.00 Mar. 20, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Endosed Capital One Bank P.O. Box 70664 I rlrrillrr1 lllrill lull Charlotte, INC 26272-0864 hrhILELIJIILIdIrLIlLrdrrlrLELrLrILJIIIIEIIrrrll Account Number: 4003-4425-7261-1450 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address Q #9005234942915571# MAIL ID NUMBER EVIE GONZALEZ 1520 GREEN ST APT 3 HARRISBURG, PA 17102-2561 I I I I I I I I IInllllluurlrlnlrit IIIIIIlnulllllunrlIf ulr Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-877-476.7939 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. How to Avoid ¦ Finance Charge. t e. Gnu Period. You will haw a minimum grace period of 25 days without finance charge m new purchases, new balance transfers. new special purchases and new other charges N you pay your total 'New Balance", in accordance with to Important Notice for payments below, and In time far it to be credited by your next statement closing date. There Is no grace period an ash advances and special treaders. In addition, mere Is no grace period an any transaction it you do not pay the total "New balance.' b Accruing Finance Charge. Transactions which are not subject to a grace Period s m, assessed finance charge 1) from the data of the owned- or 2) from the data the transaction is Processed to your Account or 3) from the first calendar day of the ascent baling period. Additionally, If you did not pay the "New Balance' from the previous billing period in full, finance charges continue to accrue to your unpaid balance until the unpaid balance is paid in full. This man the you may still owe finance charges, even If you pay the entire New Balance Indicated on the from of your statement by the next statement closing date, but did not do so for the previous month Unpaid lance charges are added to the applicable segment of your Account. t c. Ninim en Fkuna Charge. Fs each billing period that your scoot" Is "Ject to a finance charge, a mammum total FINANCE CHARGE of $0.60 will be imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not aeess any or all finance charges for cry given bung period. 2. Awrage Dally Balance (Including New Purchases). Finance charge is calculated by multiplying the daily balance of each segment of your account (e.g., cash advance, purchase. special aanfer. and special pnrrhaa) by the corresponding daily periodic ray(s) that has been previously disclosed to you. At the end of each day during the bung penlo 1, we apply the dally periodic ray for each segment of your account to the daily balance of each segment. Than at the end of the billing period, we add up the results of these daily calculations to arrive at your periodic finance charge for each segnent- We add up the results from each segment to art" at the total periodic finance charge for your amount To get the dally balance for each segment of your account. we take the beginning balance for each segment and add any new transeetons and any pe iodic finance charge calalate l on the pevoue days belance for that sagmard. We ter auboact any payments or credits pasted se of that day that am allocated to that segment. This gives us the separate daily balance fo main segment of your account. However, N you paid the New Balance shown on your previous statement in ful (s N your new balance was credit arra im), new transactions, which pat to your purchase or spec el purchase segments era not added to the dally balances. We alcraate the average daily balance by adding al the dally balances together and dividing the sum by one number of the days in the current billing cycle. To calculate your total finance charge, multiply your average daily belence by the daily periodic rate and by the number of days in the biting period. Due to rounding on a dally bash or due to minimum finance charge assessment, them may be a variance between this calculation and the amount of finance charge actually asswo-cf. 3. Annual Percentage Rates (APR). a. The term 'Annual Percentage Rate' may appear as'APR• on to front of this statement. b. If the code P (Oantenly Pdme), L (Quarterly LIBOR), C (Quarterly Co). or S (Bmkmrd Prime) appears on the front of this statement next to the periodic mle(s), the periodic rays and cemreeponEing ANNUAL PERCENTAGE RATES may wry quarterly and may Increase or decrewe based on the stated indices, w found in The Well Street Joumal, plus the margin previously disclosed b you . Than changes veil be effecNe on the first day of your billing period covered by your parodic statement ending in the months of Januery, April, July and October, c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement std to the periodic tote(s), the periodic man and -pending ANNUAL PERCENTAGE RATES may vary monthly and may Increase or decreesn band on the stated Indian, as found in The Wall Bonet Journal, plus the margin previously disclosed m you. These changes wfil he effective an the first day of your bNkg period each month . 4. Aasamant of Late, Owdkntt and Returned Payment Fees. Under In. lamas al your customer agreement, we reserve the right to waive or not to "ease any fees without priornotification to you withouty a ving ourright to assess the same or similarfew at a latertime. t S. Planning View Account. If a membership fa appears on the front of your statement, you have 30 days from the day this statement was malled to you to avid paying the fur or to have such fur credited to you N you canal your account without having to pay the men ership fur. To anal your account, you must notify us by cell ng our Customer Relation Department and pay your'New Balance in ful (excluding the membership fee) prior to the and of the biddy-day period. 6. N You Clan Your Account. You an request to dose your account by calling our Customer Relations Department- You must destroy your credit card(s) and account access checks, canal all pneauthorized billing and ease using your account. After your request to class, if you continue to transact or do not camel pnauthot2ed biting arrangements." will consider receipt of a charge your authorization to keep your account open. Additionally, your account will mat be closed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, past due fees, ovedimh few, returned payment fm., an advance few and any other yes wwwad to your acrnunt. You am responsible rs these ertlounts whether they appear on you account at the time you request to class, the account s they am Incurred subsequent to your request to dose the account. This may result in charges appearing on your account after you hew requested the account to be closed. 7. Using Your Accaunl Your card or account cannot be used in connection with any Internet gambling transactions. 8. Notice About Electronic Check Conversion. 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 bank account or to process the payment se a check transaction. When we use In(amhetlon from yoer check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the arts day we receFro your payment, and you will not receive your check back from your financial Imututim, BILLING RIGHTS SUMMARY (In Can of Errors or Question abort Your BIN) N you think your bill Is wrong, or N you need more information on a transaction or bill, write to w on a separate sheet as soon as possible at the address for inquiries shown on the front of this statement. We must hear from you no later than 60 days after we sent you the first hill on which the error or problem appeared. You can all our Customer Relation. number, but doing so will not preserve your rights. In your latter, give us the following Information: your name and account number, the dollar amount of the suspected error, a description of the errs and an explanation, N possible, of wiry you believe there Is an error; or If you cad more information, a description of the item you are unam about. Vou do not haw to pay any amount in question while we are Investigating n, but you are still obligated to pay the parts of your ball that are net In question. While we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. I, t Special Rule for Credit Cant Purchases N you hew a problem with the quality of property or services that you purchased with a credit card and you have hied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the properly or sorhoss. You have this protection only when the purchase price was more than $50.00 and the purchase was made In your home state or within 190 miles of your mailing address. (If we own or operate the merchant, or N we malted you the advertisement far the property or services, all purchases aro covered regardless of amount or location of purchase.) Place remember to sign all correspondence. t Does net apply to consumer non-credit card accounts t Does net apply to business nonc fit card scuounts Capital One supports information privacy protection: see our websfte at www.ceoltaicne.com. Capital One is a federally registered service mark of Capital One Financial Corporation. AI rights reserved. ® 2006 Capital One 01 BC6056 - 6 -12/21106 Important Notlea: Payments you mal o us will be madled b your account as of do business day es receive It, pca'ded (1) you send the bottom person of this rater-t and you check In the andmed mmetance aratope and (2) you payment is reeved in err processing canter by 3 pm. ET (12 mon Pr). Please allow at lest five (5) buatmat day. le, postal clattery. Payments reeked by w al any other load. or In any other form may not be created at of tie day ate receive clam. W busines days ere Monday through Saturday, excluding holder. Pleats do not vat stager, papa clips, ac. when preparing your payment. Capital oW eovour 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date C$5,331.81D - $594.80 + $78.94 + $755.81 = $5,571.76 $167.00 Mar. 20, 2007 Jan. 21, 2007 - Feb. 20, 2007 Page 2 of 2 PUASE PAY AT (FAST THIS AMOU NT Visa Platinum Account Transactions (continued) 400344257261.1450 29 29 JAN PANDA CHINESE KITCHEN CAMP HILL PA $6.52 30 29 JAN THE CHILDRENS PLACE #1631 CAMP HILL PA $3.50 Your Account Information 31 30 JAN FOREVER21 #17011 CAMP HILL PA $2.97 TOTAL CREDIT LINE $6,000.00 32 30 JAN BORDERS EXPRES01006634 CAMP HILL PA $9.52 TOTAL AVAILABLE CREDIT $428.24 33 30 JAN CHARLOTTE RUSSE #253 CAMP HILL PA $9.99 CREDIT LINE FOR CASH $3,000.00 34 31 JAN SBARRO ITALIAN EATERY CAMP HILL PA $6.34 AVAILABLE CREDIT FOR CASH $428.24 35 01 FEB CIERVO PIZZA HARRISBURG PA $3.17 36 01 FEB CIERVO PIZZA HARRISBURG PA $7.61 37 03 FEB MCDONALD'S F2449 CAMP HILL PA $5.81 38 03 FEB HOUSE OF CARDS CAMP HILL PA $7,92 39 03 FEB CHARLOTTE RUSSE #253 CAMP HILL PA $4.99 40 03 FEB CLAIRE'S BOUTIQUES 5409 CAMP HILL PA $20.14 41 04 FEB WENDYS #0399 Q25 HARRISBURG PA $10.04 42 04 FEB SHELL OIL 57529376105 HARRISBURG PA $6.71 43 04 FEB BABIES R US #6425 HARRISBURG PA $15.88 44 04 FEB HOLIDAY HAIR CAMP HILL PA $20.00 45 04 FEB CAMPHILL DINER CAMP HILL PA $13.31 46 05 FEB GERTRUDE HAWK CANDY CAMP HILL PA $18.10 47 05 FEB PANDA CHINESE KITCHEN CAMP HILL PA $1.54 48 05 FEB CHARLOTTE RUSSE #253 CAMP HILL PA $7.63 49 05 FEB BORDERS EXPRES01006634 CAMP HILL PA $6.35 50 05 FEB SUBWAY # 23860 CAMP HILL PA $3.69 51 05 FEB SUBWAY # 23860 CAMP HILL PA $4,23 52 05 FEB SUNOCO SVC STATION CAMP HILL PA $2,64 53 06 FEB GERTRUDE HAWK CANDY CAMP HILL PA $2.99 54 06 FEB PANDA CHINESE KITCHEN CAMP HILL PA $4.77 55 06 FEB FOREVER21 #253 CAMP HILL PA $16.80 56 06 FEB SUBWAY # 23860 CAMP HILL PA $4.31 57 06 FEB SUBWAY # 23860 CAMP HILL PA $1.33 58 07 FEB GIANT FOOD #269 CAMP HILL PA $3.81 59 07 FEB CALENDAR CLUB PLUS TOYS 8 CAMP HILL PA $3.17 60 07 FEB SUBWAY # 23860 CAMP HILL PA $3.63 61 07 FEB SUBWAY # 23860 CAMP HILL PA $4.23 62 08 FEB KW AND C HARRISBURG PA $9.93 63 09 FEB HOUSE OF CARDS CAMP HILL PA $5.02 64 09 FEB CHARLOTTE RUSSE #253 CAMP HILL PA $17.08 65 09 FEB SUNOCO SVC STATION HARRISBURG PA $27.51 66 09 FEB SUBWAY # 23860 CAMP HILL PA $4.05 - 67 11 FEB SUNOCO SVC STATION HARRISBURG PA $2.97 68 12 FEB PIERCING PAGODA 00774 CAMP HILL PA $43.58 69 12 FEB SUNCOAST 2047 CAPITAL CIT CAMP HILL PA $47.69 70 12 FEB CHARLOTTE RUSSE #253 CAMP HILL PA $9.81 71 14 FEB MAGGIEMOO CAPITAL CITY CAMP HILL PA $4.24 72 14 FEB CHARLOTTE RUSSE #253 CAMP HILL PA $6.00 73 14 FEB FOTO FANTASY INC 868-3673666 PA $3.00 74 15 FEB PIERCING PAGODA 00721 HARRISBURG PA $5.28 75 16 FEB CHARLOTTE RUSSE 0253 CAMP HILL PA $14.53 76 16 FEB A EAGLE OUTFTR00001917 CAMP HILL PA $19.95 Please Note Some of the terns of your account are changing. Please read the enclosed notification. 6056 506 1 7 20 070220 PAGE 2 of 4 OIBC6056 200100 08982 13 important notification of a change in terms to your account Your account is changing. These changes will start with your April 2007 billing cycle:* Default APR This is the rate your APRs may increase to if you make two late payments within twelve billing periods. If your APRs increase to the Default APR your new rates will be as follows: • A variable rate that equals the Prime rate plus 19.9%, currently 28.15% ANNUAL PERCENTAGE RATE (0.07712% daily periodic rate).t Late PaMent (Past Due) Fee Over-the-credit-limit F Your late payment fee will be based on the amount of Your over-the-credit-limit fee will be based on the your account balance at the time the fee is applied. amount of your credit limit at the time the fee is applied. Balance of $0 - $99.99 = $19 fee Credit limit of $0 - $499.99 = $19 fee Balance of $100 - $999.99 = $29 fee Credit limit of $500 - $999.99 = $29 fee Balances of $1,000 or more = $39 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. 200100 see reverse for more information, including how to decline these changes to your account. > Please retain for your records. 6056 506 1 7 20 070220 PAGE 3 Of 4 OIBC6056 Capftaiow- 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 1-800-214-5032 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 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. t How Your Variable Default Rate is Calculated: Your variable APR is based on the Prime rate of interest that appears in the "Money Rates" section of The Wall Street Journal on the 25th day of each month, or if not published on that date, then the immediately preceding publication date. Rate in effect as of 01/01/2007. 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. EVIE GONZALEZ 1520 GREEN ST APT 3 20oos6 Date 12169 HARRISBURG, PA 17102.2561 Use P Y 0313112007 68-7270/2560 08979-01 PayToThe Order of EVIE GONZALEZ VOID $ Caplfalow Richmond, VA Memo 6056 506 • • • Parchase Check Cardholder 11'1216911' i:256O727O11:75O25726i145O118 1 7 20070220 PAGE 4 of 4 01BC6056 Cash In with these checks ...with No Transaction Fee! EVIE GONZALEZ 1520 GREEN STAPT3 HARRISBURG, PA 17202-2561 Pay To The Order Of Capifalow Richmond, VA Memo Dear EVIE GONZALEZ, What makes the attached checks- worth writing? How about no transaction fee for starters. And the same rate you have on purchases. Those two reasons alone are why using these checks is simply using your head. Enjoy a little extra What's in your wallet? If its a bit light, why not cash these checks? They're extra spending money without the hassle-and absolutely not like cult advances that charge much higher interest rates and hefty cash advance fees. No way. Experience savings and convenience Looking for an easy way to save? How about using the checks to transfer higher-rate credit card and loan balances to your Capital One" card? Or slip them into your wallet for those times when credit cards aren't accepted. You can use them just like personal checks-for car insurance, tuition, gifts-the list goes on. Just be sure the total of your transactions doesn't exceed your available credit line. If you do plan to use the checks, be sure to do it by 03/31/2007. And why shouldn't you reward yourself with a little extra cash? After all, you deserve it. Thanks for your business, -P -4w ?? P. Taylor Jamison, Director of Accounts P.S. Perfect gift hints: a big scrccn'1V for watching the game or a new wardrobe. Don't forget to use the checks by 03/31/2007. *Please see the reverse for important information about using these checks. Use by 0313112007 Purrhase Check 08979 200086 32370 68-7270/2560 08979-01 Cardholder Signature 0 12 1700 1: 2 56O7 2 7O 11:75O 2 57 2611450o 0 ao m = No m? In my v? O m m zx Dv Zo (7 9 > 2 Z 2 ? m $o o? z= W? m? *m Plurdmse Checks Q: What Is the annual percentage rate (APR) for using my checks? A: The same APR you currently enjoy on purchases made with your credit card. That's why it makes sense to cash one for spending money. Q: Is there a transaction fee? A: Nope! There's no fee, no kidding. Q What can 1 use my checks for? A: You could save money by transferring higher-interest loans and credit cards to your Capital One account (except from other Capital One accounts). Or you can cash a check and get extra spending money. Why not deposit one into your checking account to use for anything-contractors, tuition, car insurance or new clothes? Its your choice! Q; Are these checks hassle free? A: Absolutely! They're accepted wherever you'd normally use your personal checks. Plus, you can even use them at places that don't accept credit cards. Or you can cash one. Talk about convenient. Balance Transfers Q. Why would I want to transfer balances? A: You could save money! Transferring higher-interest-rate balances to your Capital One card at your current purchase APR and consol- idating your debt could also save you time, by giving you fewer monthly payments. Q: What kinds of account balances an I transfer? A: Almost any except balances from other Capital One accounts. This Includes personal loans, student loans, auto loans, home equity loans and other similar loans. Plus balances from MasterCard' Visa' American Express' Discover' and retail credit cards. Q: How do I transfer balances from other accounts? A: It's easy! Just use the enclosed checks to make payments on your other accounts (up to your available credit line). Or call 1-8771476-7939 to make transfers by phone. Capital One will then place a charge on your credit card account representing each transaction. If I transfer balances, will my other accounts be closed? No. IF you want to close your accounts, you must contact your other creditors directly. Do I need to continue making payments to my other creditors? Yes, until your checks or call-in balance transfers have been processed and the amounts appear on your other creditors' state- ments. 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 subject to your credit availability 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. (4) May not be processed or may be processed at a higher default rate ifyour account is not current (i.e. restricted, past due or in collections) at the time a checks 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 offony Capital One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. (9) In order to cash the enclosed check(s) at a Capital One branch, you must have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain In full force and effect. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. ® 2007 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved V M o mZ `n o m? ma o? T m O -? D 2 x Z V Z o ?a 2 zZ N ? m q m C r O? Z ? C fp U) m SAVE HUNDREDS' when you shop around for your insurance. Insuran?a Companies Shop and you could save $500 or more' on your auto insurance alone. Combine your auto and homeowners insurance and you could save an additional 15%. insurance GET UP TO 6 FREE QUOTES Answer from top carriers when you shop online. center, www.capitalone.com/insurance I Estirtnated 6 Rating plonth Promium --- _-$308 BW oplinet __- -_A_r_ -369 ----- __. -_ p+ i $386 $397 A - - - -I - - - BuV onlinal U $41 0 ------ BW onlinal J $418 - A++ $421 .--- ---- O -?i - --__A+ -503 - -- -----506 A --- -- BW onlinal- ----- ---- I--- _.'I-- _ _I- - _ + $579 --- BuV online{ ? A " 5efeco insurance Ca - - _ _ _ _ - _ _ _ - - Deerbrook lnwranca Company I T avekrs -------- -------- Unitrin Dlract - _ _ _ - - - - - - I The Hartford --------- - Eladric-------------.. A1G Agar?y Auto ------ ____-- Drive from Pragressivn - - - - - - - Esurence ----------------- ___ Encompass -._--------- FINANCE Previous Balance Payments & Credits C HARGE Transactions New Balance Minimum Payment Due Date $5,571.76 - $235.13 + $71.36 + $233.20 = $5,641.19 $169.00 Apr. 20, 2007 Feb. 21, 2007 - Mar. 20, 2007 Page 1 of 1 PLEASE PAY AT LEAST THS AMOUNT Visa Platinum Account 4003.4425-7261-1460 (1111 I!Heulle Your Account Information REWARDS TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $358.81 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $358.81 tion) Finance Charges (Please see reverse fo7RHARGE Balance rate Periodic CNCE applied to rate RGE Purchases $5,672.59 0.04493%D 71.36 Cash $0.00 0.06137 % D 0.00 ANNUAL PERCENTAGE RATE applied this ® At Your Service 1.800-955-7070 To Call Customer Relations or to report a lost or stden card ® Send psyments to: Capital One Bank • P.O. Box 70884 - Charlotte, NC 28272.0884 A Send inquiries to: Capital One - P.O. Box 30285 Salt Lake City, UT 84130-0285 ® For more information on your Rewards: Visit: www.capflalone.coMov7asrewards Call: 1-800.228-3001 Rewards Summary Previous available balance: 14 562 Earned this period: , 1,017 (reflects transactions posted during this billies cycle) Adjustments this period: 804 Available Balance: 16,383 Payments, Credits & Adiustments 1 09 MAR CAPITAL ONE ONLINE ACH PA YMENT $235.13- Transactions 2 17 FEB CHARLOTTE RUSSE #253 CAMP HILL PA $11.40 3 22 FEB SPRINT PCS-996-SP IVR 888-211-4727 KS $131.97 4 28 FEB TWX•PARENTING MAGAZINE 888.8525101 NY $40.00 5 13 MAR A EAGLE OUTFTR00001917 CAMP HILL PA $13.25 6 15 MAR CHARLOTTE RUSSE 253 CAMP HILL PA $34.52 7 18 MAR ORANGE JULIUS 006 CAMP HILL PA $4.05 8 18 MAR CAMPHILL DINER CAMP HILL PA $964 9 18 MAR SBARRO ITALIAN EATERY CAMP HILL PA $3.60 10 19 MAR PANDA CHINESE KITCHEN CAMP HILL PA $4.77 6056 506 1 7 20 070320 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT "I what's in your wallet{' 0 4003442572611450 20 5641190235130169002 New Balance Minimum Payment Due Date C$5,641.19 $169.00 Apr. 20, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70884 ?r?rr?rrr??rrr????frr? Charlotte, NC 28272-0084 Account Number: 4003-4425-7261-1450 Please print address or phone number changes below using blue or black ink. Address Home Phone Altemate Phone E-mail address @ tr9006034942915572s MAIL ID NUMBER EVIE GONZALEZ 1520 GREEN ST APT 3 HARRISBURG, PA 17102-2561 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. SHOP AND COMPARE and you could save $500 or more' off your auto insurance premiums. insurance CALL 1.877.886.9111 MVE EVEN MORE: or visit www.capitalone.comAnsurance Up to 15% when you combine Answer to see how much you can save. your auto and homeowners. center. There's no obligation and no pressure to buy. '006 Source: www.amarunto.tayconYcarlslrrle Andex.cfm7stay=autoinaarlce. Insurance products are offered by Insurance Answer Center' Inc. (California License No. 0099714), Answer Center Insurance Agency, Inc., and dher affiliates. Insurance plans and services are from insurance companies and other licensed insurance-related pradders. Insurance Answer Center Inc, represents only the insurance cornparres and is paid commissions and may receive other pedorm ance- based compensation for the services provided to you. Not all products available in all states. Rates sU S to change. WI pro ducts may not be available in all states. Capital One' does riot 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 afNiate of Capital One and are not k1s<,Ted by the FDIC or any other Lilited States agency or Capital One. Your decision to purchase i)su rance and your choice of an usurer or agent Al not affect your eligibility for any Capital One product or service. Any trademarks mentioned harsh are solely owned by the respective entity ® 2007 Capital One Services, Inc. Capital One is a federally registered service mark. NI rights reserved. 1. Hots to Avoid a Finance Charge. t e. Grace Paned. You was have a minimum grace period of 25 days without Nance charge on new purchases, new balance transfers, new special purchases and new other charges 0 you pay your total INew Balance", in accordance with the Important Notice for payments below. and In gone for If to be aedhad by your naki statement closing date. There is no grace period on ash advancea and =at transfers. In addition, there is no grace period on any transaction if you do rid pay the teal "New baton." b. Accruing Finance Charge. Transactions which are not "act 10 a grace period are assessed finance charge 1) from tin dale of the transaction or 2) from the date the Iransection is Processed to your Account or 31 from the first calendar day of the anent billing period. Additionally, If you did not ley the "flew Balance' from the previous hiking period n full. Nhama charges continue to accrue to your unpaid balance, until the unpaid bean is paid in full. This means that you may ads owe finance changes, even ill you pay the emiro New Balance Indicated on the from at you statement by the next statement closing date, but tlb not do so for the previous -it, Unpaid finance danger ere added to the applicable segment of your Account. t c. Wntmum Fbmn Charge. Fa each blling period dial You account le. subject o a immure charge, a mlhimum total FINANCE CHARGE of $0.50 will be imposed. t d. Temporary Reduction In Finance Charge. We reserve the right to not assaw any or all finance charges for any given billing period. 2. Awnge Dally Balance prcksding Ilew Purchases). Finance charge is calculated by multiplying the tidily balance of each segment of your account (e.g., ash advance, Pathless. special transfer, and special purchase) by the corresponding daily periodic raft(s) thad has been previously disclosed to you. At the and of won day during the biking period, we apply the daily periodic rate for each segment of your account to the dairy balance of each segment. Than at de and of the biking Pared, we add up the results of thew daily celcuagora to and" at your periodic trance charge for won segment We add up the results from each segment to am" at the total periodic finance charge for your account. To gel the daily balance or each segment of your account, we take the beginning balance, for won segmwd and add arty new transactions and any pe iodie finance charge calculated on tie previous day's balance for that segment. Via then subarms any peymema or credits posted ee of then day that are Bloated I. that segment. This gives us the separate daily balance fa each segment of your account. However, If you paid the New Balance shown on your previous statement in full (a if your new balance was zero a a oredh amount), new lransacliona, which poet o your puniase w special pureness segments era not added to the daily balancer. We calculate the average daily halana by adds g all the dairy brilanow together arid dividing the sum by the number of the days In the current billing cycle. To alaats your foal finence charge, multiply your average daily balance by the daily periodic rate and by the number of days in the biking period. Due to rounding on a dally basis a due to minimum finance large easeaement, dare may be a valance between this calculation and tie amount of finance charge actually assessed. 3. Annual Parcant ge Rates (APR), a. The tertn'Annual Percentage Rate" may appear w'APR" on the front of this statement. b. If the code P (Quarterly Prime), L (Quarterly LIBOR), C (Quarterly CDC or S (Bankcand Prima) appears on the front of this statement nerd to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may wry quarterly and may Invease a deaense based on the sated indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. These charges will be aRecWe on the first day of your blithe period covered by your periodic staamem ending in the months of January, April, July and October. n If the rode D (Monthly Rime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the from of your statement red to the periodic mus(s), the periodic rates and mrresporhding ANNUAL PERCENTAGE RATES may vary monthly and may increase or deoreew based on the stated indices, as found In The Wall Sheet Journal, plus the margin previously disclosed to you. These rJangea wYl be attractive on the find day of your billing period "on month. 4. Assassinated of Late, O-rilmk and Returned Prymwd Few. Under its terra of your customer agreement, we reserve the right to welve a not to ease" any few without prior notification to you without waiving ourright to assess the same or similar few at a atertime, t 5, Renewing Y-A.COUnL f a membership fee spleen on tie front of your statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you anal your account without having to pay the membership fee. To cancel your account, you must notify, us by sling our Customer Retailers Deparment and pay your-New Balance in full (excluding the membership fee) prior to the and of the thi"y period. 8. R You Cie" Your Account, You an request to close you account by calling our Customer Relations Department. You must destroy your credit card(s) and account access checks, cancan tag prwuthorized billing and cease using your account After your request to close, If you continue to thereon" or do not cancel preauthoriaed biking arrangements, we will consider receipt era large your authorization to keep your account open. Additionally, your account will not be aped until you pay ail amounts you owe us including: any henwcohs you have authorized, finance charges, past due few, ovedimk fees, reamed payment fees, cash advance few and any ether fees assessed to you account. You are responsible for these amounts whether they appear on your account at the fime you request to close the account or they am Incurred subsequent to your request to dose the account. This may result in charges appearing on your account afar you have mquealed the ecmunt to be posed. 7. Using Your Account. Your card or account cannot be used in connection with any Internet gambling transactions. B. Notice About Electronic Cheek Conversion. When you provide a check as payment, you authorize us either to use information from your pack to make a one-time electronic fund transfer from your bank account or to proaw the payment as a check transaction. When we use Information from you check to make an electronic fund tmrater, funds may be wmhdrawn from your bank account as soon as the same day we receive your payment, and you WWII not receive your check back from your financial institution. BILLING RIGHTS SUMMARY (In Case of Errors or Questlome abort Your Bill) It you think your bill Is wrong, or B you need more Information on a tour serbon or bill, write to us on a separate sheet as soon as possible at the address for inquiries shown on the franc of this statement We must hear from you ho later than 60 days after we sent you the fiat bill on which the error or problem appeared. You can cal our Customer Relations number, but doing 9o will not preserve your rights. In your lelter, give us the following information: your name and account number, the dollar amount of the suspected error, a description of the error and an explanation. B possible, of why you believe there Is an emu; or If you need more information, a description of the item you are unsure about. You do not have to pay any amount in question while we are investigating It, but you are still obligated to pay the pans of your bill that aura not in question. While we Investigate your question, we cannot report you w delinquent or eke any action to collect the amount you question. t, t Spacial Rule for Credit Cad Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you have triad in good faith to cemect the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home sate or within 100 miles of your mulling address. (If we own a operate the merchant, or If we mailed you the advertisement for the preperty or servcee, all purchases are covered regardless of amount or location of purchase.) Plea" remember to sign all corospondena. T Does not apply to consumer noh-dt card accounts t Does not apply to business ner,maim card accounls Capital One supports information privacy protection: we our Wabsite, at www.cadaicre.ccm. Capital One Is a federally registered service mark of Capital One Financial Corporation. AN fights reserved. ® 2006 Capital One 01 BC6056 - 6 - 12121106 Important 10,111 PaymernB you mail te ue Will be married to your account a of the bushels day we rx.W a, Periled (1) you Sand the bottom forest of ink statement and yea male In the andesed nmtanes woooris and (2) your payment is mooned in 0a pmceamig center by 3 pm. ET (12 noon PT). Ptnse slow at wet eve (5) business days far posy delivery. Payments recehed by us at any other boation a in any rather form may rot be chided as of the day we none them. Ow business days 1e Monday through Saturday, excluding holidays, Pisses do not osssaples, paper dips. etc. when "Wing year payment. jo 0 Q • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance transfers. Consolidate your bills and higher-interest payments, maybe even 000004) 500023 save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-877-476-7939 FINANCE Previous Balance Payments & Credits C HARGE Transactions New Balance Minimum Payment Due Date $5,641.19 - $179.48 + $82.67 + $511.74 = $6,056.12 $181.00 May. 20, 2007 Mar. 21, 2007 - Apr. 20, 2007 Page 1 of2 PLEASE PAY AT LEAST THIS AMOUNT 1.1450 QA 2ftssle unt Information REWARDS- LAVAILABLE m Account DIT LINE $6,000.00 ILABLE CREDIT $000 E FOR CASH $3,00000 CREDIT FORCASH $0,00 FFInance Charges (Please see rev erse for important information) Balance rate Per odic Conesponding FINANCE applied to rate APR CHARGE $5,935.09 0.04493% D 16.40% $82.67 $0.00 0.06137% D 22.40% $0.00 ERCENTAGE RATE applied this period: 16.40% At Your Service 1.800.955.7070 To call Customer Relations or to report a lost orstolen card ® Send payments to: Capital One Bank • P.O. Box 70884. Charlotte, NC 28272-0884 A Send inquiries to: Capital One - P.O. Box 30285 • Salt Lake City, UT 84130-0285 • For more information on your Rewards: Visa: www.capitabna.caNmilewerwards Call: 1-8000.228-3001 Rewards Summary Previous available balance: 1Q383 Earned this peri od: 689 (reflects transactions posted during this biling cycle) Available Balance: 17,072 Payments, Credits & Adlustments 1 21 MAR CHARLOTTE RUSSE 253 CAMP HILL PA $2 04- 2 23 MAR CAPITAL ONE ONLINE ACH PA YMENT . $169 00- 3 03 APR CHARLOTTE RUSSE 253 CAMP HILL PA . $0.59- 4 15 APR KMART 00044792 HARRISBURG PA $7.85 Transactions 5 19 MAR BORDERS EXPRES01006634 CAMP HILL PA $30.74 6 19 MAR SUBWAY # 23860 CAMP HILL PA $4.22 7 20 MAR GERTRUDE HAWK CANDY CAMP HILL PA $5.78 B 20 MAR CHARLOTTE RUSSE 253 CAMP HILL PA $1754 9 21 MAR MAGGIEMOO CAPITAL CITY CAMP HILL PA $4.72 10 21 MAR SUBWAY # 23860 CAMP HILL PA $5.42 11 22 MAR SPRINT PCS-996-SP IVR 88&2111727 KS $111 64 12 22 MAR CHARLOTTE RUSSE 253 CAMP HILL PA . $2.99 13 22 MAR SUBWAY#23860 CAMP HILL PA $5.42 14 22 MAR EXPRESS # 0507 CAMP HILL PA $14.99 5 24 MAR WM SUPERCENTER HARRISBURG E PA $110.58 6 26 MAR BLOCKBUSTER ONLINE 866.692-2789 TX $19 07 7 28 MAR FOREVER21 #253 CAMP HILL PA . $15.98 8 28 MAR AUNTIE ANNE'S PA-200 CAMP HILL PA 85 $2 9 30 MAR SUBWAY # 23860 CAMP HILL PA . $3.70 0 30 MAR MAGGIEMOO CAPITAL CITY CAMP HILL PA $3.76 1 01 APR EXXONMOSIL 42097634 HARRISBURG PA $40 01 2 01 APR WAL-MART #3412 ELIZABETHVILL PA . $36.02 3 03 APR SBARRO ITALIAN EATERY CAMP HILL PA $3 17 4 03 APR CHARLOTTE RUSSE 253 CAMP HILL PA . $6.84 5 03 APR SUBWAY # 23860 CAMP HILL PA $4 05 6 05 APR SBARRO ITALIAN EATERY CAMP HILL PA . $3.70 6056 506 1 7 20 070420 PAGE 1 of 3 O1BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4003442572611450 20 6056120169000181004 ?'IwhaYs in your wallet?. New Balance Minimum Payment Due Date Account Number: 4003-4425-7261-1450 Please print address or phone number changes below using blue or black ink. C$6,056.12 $181.00 May. 20, 2007 Address PLEASE PAY AT LEAST THIS AMOUNT Home Phone Alternate Phone E-mail address Q Amount Enclosed J #9011134942915575# MAIL ID NUMBER EVIE GONZALEZ Capital One Bank 1520 GREEN ST APT 3 HARRISBURG, PA 17102-2561 Box 70684 Char IdrrlrrrlLlrrllL,rl IrrJIlrrJrrJllLrrrrlrLdrlrlrlrrllrrrrrllllrrrrrllrtrLll Charlotte, NC 25272-0884 LJrIIrtlrrddLrrLrIrlllrrllrrLlydrrlrrllrrlrrLdLrrll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Transferring balances is-easy. Here's how: i. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-877-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. How to Avoid a Finarics Chorus. t a. Gram Period. You will have a mini num grace period of 25 days wahout finance change on new purchases, new balance transfers, new special purchases ant new other Charges If you pay your total 'Nina Balance", in accordance with the important Notice for payments below, and In time for it to be credited by your road statement closing date. Thera Ia no gram period on rash advances and special basfem. In addition, them Is no gram period on any transaction t you do not pay the total "New balance.' b. Atxnring Finance Charge. Transactions which am not subject to a grace period ace assessed finance charge 1) horn the date of the transaction or 2) 6om the data the transaction is processed to your Amount w 3) from the fast calendar day of the current blNn period. Additionally N you did not pay the -New Balance' from the previous billing period in full. Mane Charges continue to accrue to your unpaid balance unfit the unpaid balenm is paid in full. This means that you may stil cure fkance charges, even Y you pay the emirs New Balance indicated on she mom of your statement by the next statement closing date, but din not do so for the previous month. Unpaid finance charges em added to the applicable segment of ywrAccount. t c. Minimum Firance Charge. For each boiling period tat your account is Subject to a Hance Charge, a mlmmum tool FINANCE CHARGE or $o.60 wW be Imposed. t d. Temporary Reduction In Flnance Chorus. We reserve the right to not assess arty or all finance charges for any given being period. 2. Avenge Day Balance (Including New Purchases). Finance charge is calculated by multiplying the daily balance of each Segment of your account (e.g., cash advance, purchase, So-Jd trerafe, ark special purchase) by the corresponding daily periodic retrial that has been previously disclosed to you. At the and of each day during the biling period, we apply the dairy Periodic rate for each segment of your arxoum to the daily balance of each segment. Than at the and of the billing period. war add up the results of tuse dally Calculations to arrive at your periodic finance charge for each segment We add up the results from each segment to ante at the tool periodic hiance charge for your account. To get the daily balance for each southern of your account we tam the beginning balance for aeon apmem std add any new transactions and any periodic finance charge caloula6d on is previous days balance for drat segment. We man Subtract any payowte or recto ported as of dart day that am allocated to that segment. This gives us the separate daily balance for each segment of your account. However, If you paid the New Balance shown on your prevous statement in ful (or If your new balance was zero or a credit amourt). new transactions, which pmt to you purchase a Special purchase segments se net added to the defy balances. We calculate the average dairy balance by adding al the daily balances together and dividing the aura by is number of the days h the wren baling cycle. To Calculate your total finance Charge, multiply your average daily balance by the daily periodic rate and by to number of days in the biting period. Due to rounding on a daily basis or duo to rmnimum Manta charge asomi ment, them may be avariance beMwen this Calculaton and the amount of finance dhage acyally -.W. 3. Annual Percentage Rates (APR). a. The town "Annual Percentage Rate" may appear as 'APR* on the front of this statement. b. If the Code P (Quarterly Prime). L (Quarterly LIBOR), C (Quarterly CD), a S (Bankmrd Prime) apPeam on the front of this statement nest to the periodic rate(s), the parodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may Increase or deCreaee based on the staked indices, as found in The Well Street Journal , the margin previously disclosed b you. These caneswplusill be effective on the first day ayour bang period covered by your prk)& statement ending In the months of January, April, Jury and October m If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the periodic rate(s), the periodic rates ant Corespxdng ANNUAL PERCENTAGE RATES may vary monthly and may invaeae or decrease based on the stated Indices, as found in Thor Wall Street Journal, plus the margin peviously disclosed to you. These Changs. Will b effective on the first day of your being period each meth. a. Assessment of Lam, Ovwflmk and Returned Payment Fees. Under the terns of your Customs, agreement. we reserve the right to waive Or not to assess any tees without priornotMCatnn to you wiNrdwolving ourright to assess the same or simtarfees at a wartime. t S. Renewing Yaw Account. If e membership fee appeara - alk" front Of your etetrranl, you have 30 days from the data 06 statement was nalled to You to avoid paying the fee r to have such fee Credited to you of you cancel your account witlaut having to pay the membership fee. To Cancel your account, you must notify us by IIhg or Customer Reatlons Department and pay yCaour "Jew Baance' In full (excluding the membership fee) prior to the end of the Why-day period. 6. R You Close Your Account. You can request to dose your account by calling our Customer Relations Depamnent. You must destroy your credit card(s) ant account erase dada, cancel all preauthorized billing and mesa using your account Afar your request to close, if you continue to bansad or do not cancel pmauthorized baling arrangements, we will consider mmipt of a charge your authodxatlon an keep your account open. Additionally, your account will not be dosed until you pay all amounts you owe us Including any transactions you have authorized, finance charges, past due tees, ow"MR teen, resumed Payrtant fees, each ;Yvan- fees and any other f eke assessed o your account. Y. re maponalole for these amounts Whether they appear on your account of the tee YOU MCIUSSI to dose the account or they am Interred Subsequent to your request to does the sternum. This may recut in dhargea appearing on your account after you have requested the account to be dosed. 7. Using Your Account. Your card or account cannot be used in mnnecaon with any Internet gambling transactions. B. Notice About Electronic Check Conversion. When you provide a dhsdl as payment, you authorize us either to use information from your check to make a ono-time electronic fund transfer from your bank account or to process the Payment es a check transaction. When we use Infomtetion from Your Check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon 9a the same day we ..I" your payment, and you will not receive your check back from your financial Institution. BILLING RIGHTS SUMMARY (In Case of Emus Or Question about Your BSI) t you think your bill is wrong, or If you need mom information on a transaction or bill, write to ue on a separate sheet ea soon as possible at the address for inquiries shown on the front of this Statement. We must her from you no later than 60 days after we Sent you the first bill on Which the error or problem appeared. You can Cull our Customer Relations number, but doing 90 will not preserve your fights. In your letter, give US the fallowing Information: your home and account number, the dollar amount of the suspected error, a description of the error and an explanation, t possble, of why you believe there is an anon; or if you need more information, a description of the tern you am unsure about. You do not have to Pay any amount in question while We am Investigating t, but you are still obligated to pay the Parts of your bill that are not In question. While we investigate your question, we Cannot report you as delinquent r face any action to collect the amount you question. k. t Special Rule for Credit Card Purchases If you have a Problem With the 4UWkY of property or services that you purchased with a Credit Card and you have tried in good faith to mmset the Problem with the merchant, you hey have the right not to Pay the remaining amount due on the property or sarvicee. You have We protection only when the purchase price was mom than $60,00 and the purchase was made in your home stain or within 100 miles of your mailing address. (If we own r opemte the merchant, or if we mailed you the advertisement for the property or Services, all purchases tie covered regardless of amount r location of purchase.) Please remember to sign all correspondence, t Oros of apPiy to constaner nncredt card accounts X Does nor apply to businss non- mow card au;ords Capital One supports information privacy protmiiion: see our webate at wwav Cadtelone mm. Capital Oro Is a federally registered service mark of Capital One Financial Corporation. An rights reserved. ® 2006 Capital One Oi BC6056 - 6 - 12121 ADS oportant Notim: Paynhants you mail to os will be Credited to your account a Ctiw business day m ree" It, pnavki d (1) you send the boom portion of his summit and your deck in the enclosed mmNsna envelope and (2) yaw payment h received mar pracosshg canter by 3p.m.ET(12 noon PT). Rees allow at tent five (5) buemes days fr postal teary. Payments mosNed by a at any other location or in any other form may not be a clod! as Of the day as moshm them. Our bushes thy; are Morday he* Saturday, excluding hbdays. Pleee 6. not use smplw paper rip, ac. When preps rig yosr payment. CapitaloW 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FINANCE Previous Balance Payments 6 Credits C HARGE Transactions New Balance Minimum Payment Due Date $5,641.19 - $179.48 C$82.67 = $6,056.12 $181.00 May. 20, 2007 Mar. 21, 2007 - Apr. 20, 2007 Page 2 of 2 PLEASE PAY AT LW T THIS AMOUNT count - Transactions (continued) F40 03-442-5--7261-1450 50 nformation LINE LE CREDIT CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH ?/lTaSS/f L RE WARDS' $6,000.00 $0.00 $3,000.00 $0.00 27 06 APR 28 07 APR 29 11 APR 30 14 APR JUMBO BUFFET AND GRILL IN HARRISBURG PA SUBWAY # 23860 CAMP HILL PA CHARLOTTE RUSSE 253 CAMP HILL PA CHARLOTTE RUSSE 253 CAMP HILL PA $23.20 $6.68 $1199 $14 B8 6056 506 1 7 20 070420 PAGE 2 of 3 01BC6056 EVIE GONZALEZ 152o GREEN STAPT3 HARRISBURG, PA 17102-2561 order of the EVIE GOxZ 1QEk D Date Use by May31, 2007 SOW Richmond, VA Memo Purchase Check Cardholder 01224Iiin 1:2S6072?0W?SO 2S726iiLe SOus 12241 68-7270/256o 09150.01 200153 6056 506 1 7 20070420 PAGE 3 of 3 01BC6056 Dear EVIE GONZALEZ, No matter what's on your to-do list this spring, these checks* are here to help. They come with the same rate you enjoy on purchases, and you won't pay a transaction fee to use them. (Yes, even if you use them to get extra cash.) They also give you access to your Capital One* account-no matter what you need. • So now you really can replace your old carpet. Finish up that project you've been putting off. Or do some financial spring cleaning and transfer over those higher-rate balances. And, of course, these no-transaction-fee checks also come with all of the protection you enjoy every day with your card. Like Zero Fraud Liability. If your checks are lost or stolen and used without your knowledge, you won't be held liable for fraudulent charges. ' ...for your So don t miss your chance! Use these checks by May 31, 2007, to transfer balances or buy the things you want with no transaction fees. spring Enjoy! cleaning P. Taylor Jamison, Director of Accounts NO TRANSACTION FEES PS. These checks make accessing your Capital One account a breeze. )bur everyday No matter where you are. And don't forget! You won't pay a transaction fee. purchase rate Use them by May 31, 2007. - Access to your account anywhere, anytime * Turn this over to find important information about using these checks-and for answers to common questions about Purchase Checks and transferring balances. 09190 EVIE GONZALEZ 152o GREEN STAPT 3 HARRISBURG, PA 17102.2561 Date Use by May31, 2007 Pay to the VOID order of Q°l ft alo• Purchase Check Richmond, VA Memo Cardholder II•122L. 20 1:2S6072?0i11:7SO 2S726ii4SOn, 12242 68-7270/256o 09150-01 200153 S ?? D°o N,z D -1 mf o? Min Dy „a Z zo 0M >? zZ (A m ?m c Z? cC mm Got questions? We've got answers Purchase Checks Balance Transfers Q: What is the annual percentage rate (APR) for using my checks? A: The same as your APR when you make a purchase. It's easy to get some extra cash for this busy time of year. Just write one to yourself, and deposit it in your checking account. Q: Is there a transaction fee? A: Nopel There's no fee. (No kidding.) Q: What can 1 use my checks for? A: Use them wherever you'd use your personal checks-and get the same great rate and protection that comes with your Capital One card. Or, use them to save yourself some money! Transfer higher-interest loans and credit cards to your Capital One account (just not other Capital One accounts). Q: Are these checks hassle free? A: You bet! They're accepted wherever you'd normally use your personal checks. You can also use them at places that don't accept credit cards. Talk about convenient. Q: Why would I want to transfer balances? A: How does saving yourself some money sound? Transfer higher-rate balances to your Capital One card and you could save money in interest. Consolidating your debt also means you could make fewer monthly payments. So you save time, too. Q: What kinds of account balances can I transfer? A: Personal loans, student loans, auto loans, home equity loans and others, too. Basically, anything you've bor- rowed-except balances from other Capital One accounts. Q: How do I transfer balances from other accounts? A: It's easy! Send the enclosed check like you would a normal payment. (Just don't go over your available credit line.) Or call 1-877-476-7939 and we'll take care of the rest. Q: If I transfer balances, will my other accounts be closed? A: No, not unless you contact your other creditors and ask them to close them. 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 credit availability 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. (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) Cannot be used as a payment on any Capital One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. (9) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. C2007 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. Dg rn a mf o? T m 910 Z ZO QM ?La 2Z N m Zm Zio c_E ti O= Z? rn M 2 mm 500016 4 ?)ll PSSST... Capita/ One' does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services. Capffa1()W' I what's in your wallet?' FINANCE Previous Balance Payments & Credits C HARGE Transactions New Balance Minimum Payment Due Date C$6,056.12 -C$304.08 + $82.72 + $245.06 = $6,079.82 $182.00 Jun. 20, 2007 Apr. 21, 2007 - May. 21, 2007 Page 1 of 1 ML45E PAY AT LEAST THIS AMOUNT Visa Platinum Account "Important Notice- At this time we are unable to provide your Rewards Summary. To review your current 4003-4425.7261.1450 Rewards balance or additional Rewards information, please call the number on the back of your credit card. We apologize for any inconvenience this may cause. Your Account Information TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 FANNUAL e Charges (Please see reverse for important information) Balance rate Periodic Co esponding FINANCE applied to rate APR CHARGE s $5,938.95 0.04493% D 16.40% $82.72 $0.00 0.06137% D 22.40% $0.00 PERCENTAGE RATE applled this period: 16.40% AdZh At Your Service 1-800.955.7070 To call Customer Relations or to repon a lost or stolen card ® Send payments to: Capital One Bank - P.O. Box 70884 • Charlotte, NC 28272-0884 A Send Inquiries to: Capital One - P.O. Box 30285 - Sall Lake City, UT 84130-0285 Payments, Credits & Adjustments 1 23 APR WORLD SYSTEMS 8882 18526 PHOENIX AZ $123 08- 2 04 MAY PAYMENT . $181.00- Tra nsactions 3 20 APR TWX'44X43R•EW MAGAZINE 800.586-5305 NY $24 95 4 26 APR BLOCKBUSTER ONLINE 866-692-2789 TX . $19 07 5 17 MAY CAMPHILL DINER CAMP HILL PA . $20.00 6 17 MAY HESS 38424 HARRISBURG PA $23.86 7 18 MAY WM SUPERCENTER MECHANICSBURG PA $84.71 8 18 MAY WEIS MARKETS #58 SH MECHANICSBURG PA $22 69 9 19 MAY GIANT FOOD #269 CAMP HILL PA . $10.78 10 21 MAY OVERLIMIT FEE APR 21, 2007 $39.00 6056 506 1 7 20 070521 PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT CaWWOne•I what's in your wallet?' 0 4003442572611450 20 6079820181000182005 New Balance Minimum Payment Due Date C$6,079.82 $182.00 Jun. 20, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank IIIIIIIIrIIIlrlll P.O. Box 70664 Ifill Charlotte, NC 26272-0664 1u111111 11 If IIIlnllullllIIIIII pill IIIIIIIIIIII Account Number: 4003-4425-7261-1450 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address Q #9014234942915570# MAIL ID NUMBER EVIE GONZALEZ 1520 GREEN ST APT 3 HARRISBURG, PA 17102-2561 I I IIIII IIII llllllllllllll If ll 1111111111 If llllrl 11 rill If 1111 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Whether it's braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone.com to learn more! Capital One Bank, Capital One, F.S.B., Members FDIC. 1. How to Avold a Finanos Charg.. 1 a. Grace Parlod. You will have a minimum grace period of 25 days without flnence Charge w new purchases, new balance transfer, new special purchase, and new other Charges, if you pay your total 'New Balance', in accordance with the Important Notice fa payments below, and in time for it to be Credited by your red statement Closing day. There is no grace Period on rash advances and special trarefem. In addition, there is no grace period on any transaction if you do not pay the total *Ne,w balance.' b. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 11 from the data of cite transaction or 2) from the data the tansactien is processed to your Account or 3) from bra fret calendar ray Of the Curren[ tilling period. Additionally, It you did not pay the "New Balance" from the previous baling period in full, finance charges continue to atxxue to your unpaid baance until the unpaid balance is paid in full. This means that you may still owe finance charges, even if you pall the entire Hew Balance IMkayd on the front of your statement by the nod statement closing date, but tlo not do so for the previous month Urpsed finance doges are added to the applicable Migrant of your Account. t C. Mnbrum Finane , Ctarye. Fa each billing period that your account Is subject to a Trance charge, a mlmm rn trial FINANCE CHARGE of $0.50 will be imposed. 1 d. Temporary Reduction In Finance Charge. We reserve The right to not assess any a all Seance Charges for any given billing period. 2. Average DaNy Bsynce (Including New Purchases} Finance charge is Calculated by musiplying the defy balance of each segment ot your a=u; t (e .g., cash advare , Purchase. special transfer, purchase) by this corresponding daily periodic minis) that has been Previously disclosed to you. At the and of each day during the biding period, wo apply the daily parodic rate for each segment of your account to and daily balance of each segment. Than at the and of the bigkg period, we add up the =o=f del y calmladora to arrive at your periodic for on segment We add up the results from earn segment to anlw at the total Perlodk finance charge for your amount. To get the daily balance for each segment of your account we take the beginning balance for each saw lard add arty new transactions and any periodic age calculated on the previous days balance for that segreerd. We than subtract any Paysrena or credits Pasted m of that day that an allocated to that segment. This gives us the separate daily balance for each segment of your account. However, If you paid the New Balance shown on your previous statement In full (a If your new balarYe want zoo or a Credit amoud), nave transactions, which poet to Your Padaea a special purchase segments ore not added to the cedy balances. We Calculate the average dally balance by adding all the dally balances together and dividing the sum by the number of the day. In, the Cmmm billing cycle. To calculate your toad finance charge, multiply your average daily balance by the daily period. is and by the number of days in the billing period. Due to rounding on a dally basis a due to rninknum finance charge assessment, there may be a variance between this cakulaton and the amound of finance, Charge aeWely assessed. 3. Mortal Prcenyge Ray. (APR). a. The arm'Annusi Percentage Rate" Trey appear as "APR" on the Pont of this statemem. b. If the code P (Quertely Pnme), L (Quarterly LIBOR), C (Quarterly CD), or S (Benkrard Prime) appears an the front of this statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES maY vary quarterly end may Inceem or deceme based en the stated .dices, as found in The Well Street Journal, plus the margin previously disclosed b you. These c ha gas will be eflectin w the first day of your bRYg period covered by Your Par osc statement ending in the months of January, April, July and October c. If the rode D (Monthly Aims), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the from of your statement red to the periodic rats(e), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decease based on the stated indices, as found in The Wall street Joumal, plus the margin Previously disclosed to you. These changes will be effective on the that day of your being period each month. 4. Assessmwnt of Lay, Overflmit and Returned Payment Feats. Under the lama of your ousomer agreement, we reserve the right to waive a not to assess any fees without prior modification to you wthoawaiving ourrigM to assess the sameorsimilarferas eta atertime. t S. Renewing View Account. If a membership fee appears on the front of your statement, you have 30 days from the daft this statement was mailed to you to avoid paying the fee or to hew such fee Credited to you t you cancel your .rd without having to pay the membership fee. To Cancel your acmes, you must notify us by Calling our Customer Relations Department and pay your Nor w Balance' In fug (excluding the membership fee) prior o the and of the thirty-day period. 6. If You Close Your Account. You Can request to dote your account by calling our Customer Relations Department. You must destroy your as& card(s) and amount access decks, Cerosi all Preauthorized billing and cease using your account. Mer your request to dose. If you continue to transact or do not Cancel preauthorized filing arrangemana, we will mnslder receipt Of a charge your authorization to keep your amount open. Additionally, your account will not be dosed until you pay all amounts you owe us inducing: any transactions you have authorized, finance charges , past due feet, ondmt fees, returned payment fees. an advance fee. and any Other fees acsessad to your account. You are responsible for these amounts whether they appear on your amount at the tone you request to dead the account a they are Incurred subsequent in your request to Chose this accoum. This may result in Charges appearing on your amount after you have requested the account to he dosed. 7. Using Your Account. Your Card or account Cannot be used in mnnec0on with any Inbemet gemhlirg transactions. B. Notice About Electronic Chack Conversion. When You Provide is .hm* m Payment , you authorize us either to use information from your Check to make a one-time electronic fund transfer from your bank account or to process the Payment W a Check transaction. When we use information from Yca Cheek to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we recehe Your payment, and you will not receive Your Check back from your financial Institution. BILLING RIGHTS SUMMARY (In Case of Errors or Questions about Your BIT) N you think your hill Is wrong, or If you need more Information on e transaction or hill, write to us m e separate shell as soon as Possible at the address fa inquiries shown on the front of this statement. We must hear from you no later awn 60 days after wa sent You the first hill on which the error or problem appeared. You can call our Customer Relations number, but doing eo will not Preserve your rights. In your letter, give us are following Information: your name and account number, the dollar amount of the suspected error, a description of the era and an explanation, If possible, or why you believe acre Is an error, or g you reed more Information, a description of the item you are unsure about You do mot have to Pay any amount in question while we are Investigating it, but you are still obligated to pay the pars of your bill that are not in question. While we Investigate your question, we cam of report you as delinquent or take any action to coAeCr the amount you question t, t Special Rule for Credit Card Purchases If you have a problem with the quality of property or services that You purchased with a aeaa Card and you have tried in good faith to Correct the Problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. You haw this protection only when the purchase prim was mom than $50.00 and the purchase was made In your home state a within 100 miles of your mailing address. (If we own or operate the merchant a If we nailed you the adwrgsemant for the Property a services, all purchases are covered regardless of amount a location of purchase.) Please remember to sign all correspondence. t Does not apply to consumer non<nedg Card acrounts Does not apply to business no-c dft card accounfs Capital One supports information priwcy projection: we our webshe at www ceoftakxa corm. Capital One Is a federally registered service man of Capital One Financial Corporation. AN rights reserved. 0 2006 Capital One 01 BC6056. 8 -12!21/06 Important Notca: Payments You meld to us will be ceded! b your account a of the business day"rrcceke ft, pmkW (1) yon send the bottom portion of nth staament and your dad in the enclosed nnittence envelope and (2) your payment is received in aw Processing center by 3 pm. ET (12 Coon PT). Planes aim at least fie (5) yYness days for portal delery. Payments remked by us at cry other location or In any other form may nor be creditad a of the day m eke tiara. Our business days are Monday through Saturday, excluding holidays, Plane m hot ore stsples, Paper rips, e.. when preparing your Payment. 500008 Capffall0ne what's in your wallet?' It could happen to anyone. Make sure you pay the amount EVIE GONZALEZ 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 You"re behind BETTER INTEREST RATES (good credit could mean lower interest rates) by I payment.' IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ® 2006 Capital One Services, Inc. Capital One is a federally Yrgsstend service mark. All rights reserved 500008-08503 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,079.82 - $0.00 + $99.69 + $105.83 = $6,285.34 $370.00 Jul. 21, 2007 May. 22, 2007 - Jun. 26, 2007 Page 1 of 1 PLEASE PAY AT LEAST THS AMOUNT Ylsa Platinum Account Your accounts one payment deni d. Remember that met rJ your min n m ,.y-e dae c to zps 4003 Platinum Account your account n good standi g Fs ther misses' p ymeets may he, reponeb to I s. Sn Q?AY !Hassk make Sure yo send ?n the rni ins ,, annai t eue to kee,, yo ur recount i gmL Your Account Information REWARDS TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $6,163.50 0.04493% D 16.40% $99.69 Cash $0,00 0.06137%D 22.40% $0.00 ANNUAL PERCENTAGE RATE applied this period: 16.40% "Important Notice" Your account was past due. Under the terms we previously disclosed to you, if your account is past due again in the next 12 billing cycles, your Annual Percentage Rates (APRs) may increase. IMPORTANT INFORMATION ABOUT YOUR GRACE PERIOD: If you pay your balance in full every month by your due date, you will enjoy an interest-free grace period of 25 days on new purchases. Paying by your due date also helps you avoid late fees. Please see the back of your statement for more details and thank you for your business. Rewards Summary Previous available balance: 17,297 Earned this period: 56 (reflects transactions posted during this billing eyete) Available Balance: 17,353 ® At Your Service 1.80 070 Payments Credits & Adjustments To fall Customer Relations s or or to to report a lost or stolen card: , Transactions ® Send payments to: 1 20 MAY SUNOCO SVC STATION CAMP HILL PA $5.27 Capital One Bank P.O. Box 70884 Charlotte, NC 28272-0884 2 21 MAY SUNOCO SVC STATION CAMP HILL PA $1.10 3 21 MAY SUNOCO SVC STATION CAMP HILL PA $15.46 A Send inquiries to: 4 20 JUN PAST DUE FEE $39.00 Capital One P.O. Box 30285 Safi Lake City, UT 84130-0285 5 26 JUN OVERLIMIT FEE JUN 26, 2007 $39.00 ® For more information on your Rewards: You were assessed a past due fee because your minimum payment was not received by the due date. To avoid Visit: wwa.capkalonexomimilssrawards this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Call: 1-800-228-3001 Capital One. 6056 506 1 7 26 070626 PAGE 1 of 1 OlDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4003442572611450 26 6285340181000370006 ?' I what's in your wallet?' Account Number: 4003-4425-7261-1450 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. $6,285.34 $370.00 JUI. 21, 2007 Address PLEASE PAY AT LEAST THIS AMOUNT Home Phone Alternate Phone E-mail address @ Amount Enclosed #9017834942915574# MAIL ID NUMBER EVIE GONZALEZ 1520 GREEN ST APT 3 Capital One Bank ItlululrllluurlEll HARRISBURG, PA 17102-2561 P.O. Box 70864 lur?llrnlnrnllunrlrlnlrlrlrlnllunrlllluurllurlrll Charlotte, NC 28272-0684 lulrllnlurlrllurlulrlllurlnlrlnlrr?rrllnlulullrnll Please write your account number on your check of money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. Hots to Avoid a Finance Chwpe. t a. Grace period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transient, new special purchases and new other charges 1 you pay your total "New Balance', in accordanm with the Important Notice for payments below, and in time for it to be cmdted by your payment due date. Thera is no grace period on cant advances and special transfers. In addition. them is n grace period on any transaction N you do not Pay the total *New balance.' b. Aeeruing Finance Charge. Transactions witch are rat sub)ed to a grew Period am assessed finance charge 1) from the dale of the transaction m 2) Rom the dote the tmasadion is processed to your Account or 3) from this first calendar day of the nrrrara Willing period. Additionally if you did not Prey ft "Now Balance' from the previous haling period in full, finance Mapes continue to accrue to your unpaid balance unfit the unpaid balance is paid in full. This means that you may still owe finance charges, even t you pay the entire New Balance indicated on the but of your statement by the payment due date, but rid not do so for the previous month. Unpaid finance charges a s added to the applicable segment of yourAcceunt I. c. linireunt Fiance Charge. For each basing prod than your arrant is aAfsd to a amen charge, a mimnnum total FINANCE CHARGE of $0.50 we be imposed, t d. Temporary Reduction in Finance Charge. We reserve the fight to not assess any c all finance charges far any given billing Period, 2. Average Duly BoanOe (Including New Pr ..hs.a? Finance charge is cetdtalad by multiplying the dally balance of each segmental your account (e.g., cash odvanra, Purchase, special trluhela, and special Purchase) by the corresponding daily Periodic rote(s) that has been previously disclosed to you. At the and of.ch day during the Ming period, we aptly the daily periodic rate for each segment of your account to the daily balance of each s str ar. Than at the end of to billing Period, war add up the results of these daily calculations to arrive at your periodic finance charge for each segment We add up the results from each segment to amw at the total Periodic finance charge fa Your account To tat the daily balacee for each Segment of Your account we take the beginning balance for each Segment and add any new bansections and any parodic finance charge calCWaed on the previous days balance or tat Segment. We than subtract any payments or credits posted as of tat day that am allocated to that Segment. This gives us the separate dely beano for each segment of your account. However, If you paid the New Balance shown on your previous statement In All (o t your new balance was zero or a credit amount), new baseOpoa, which post to Your purchase a Special Purchase wilmenta am not added to the daisy balanas. We cakaaaa the average dairy balance by adding all the daily halanow together and dividing the sum by the number of the days in the current biting cycle. To calculate your total finance charge, mutupty your average deity balance by the daily periodic rate and by the number of days in to billing period. Due to rounding on a daily basis or due to rcnhnum finance charge assessment, there may be a variance between this ralculadw and the amount of finance Marge actually assessed. 3. Annual Percentage Rat. (APR), a. The term "Annual Percentage Rate" may appear as 'APR' on the from of this statement. It. If tie code P (Quarterly Prime), L (Quarterly LIBOR), C (Quarterly CD), or 3 (Bankcard Prime) appears on the front of this statement next to the Pedodlo rate(s), the periodic rates and Corresponding ANNUAL PERCENTAGE RATES MY vary quarterly and may incease a decease based on the stated indices, as found in The Well Street Journal. pus the margin Previously disclosed so you. These dwg. wig be effective On to that day of your bsiitg period covered by your parodc Statement ending In the months of January, April, July and October. e If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the from of your statement next to the periodic rate(s), the periodic rates are corresponding ANNUAL PERCENTAGE RATES may vary monthly end may I.-. or dace.. based on the staled indices, as found In The Wall Street Journal, plus the margin previously disclosed to you. These changes viol be effective o the first day of your billing period won month, 4. A.sssmanl of Lots, Ovarlimit and Ratumed Payment Fe.. Under the lama of your customer agreement, war m.rve the right to waive or not to assess any fees wthout Prior notification to you wilhoa waiving ourright to assess the "me or similerfeers at a later Nine. t S. Rwrswng Y-Accoatt If a membership fee appears on the front of your SaameM, you haw 30 days from tie date this Statement was mailed to you b avoid paying the fee o to have such fee credited to you t you cancel your account without having to pay the membership fee. To cancel your ahccout, You must notify us by calling oar Customer Relations Department and pay your'hiew Balance' in ful (excluding the membership fee) prior to the and of the thirtydey period. 6. If You CIO. Your Account. You ran request to dow your account by caling our Customer Relations Department. You must destroy yon credit card(s) and account access decks, cancel 21 Preauthorized billing and cease using Your account After your request to dose, it you continue to banned or do not cancel preauthoized biting arrangements, we well camider radPI of a large your aulheriretldh to keep your account open. Additionally your account will not be awed until You pay all amounts you owe us including: any transactions you haw authorized, finance charges, past due fees, oat-lit few, returned payment fees, cash advance fees end any otherfe. assessed to your account. You are responsible for these amounts whether they appear on your account at the time You request to dose the account or they am awned Subsequent to Your request to tloes the acmum. This may resuit in diverges appearing on your account after you haw requested the account to be dosed. 7. Uelng Your Account. Your card or account cannot be used in connection with any Internet garbling transedions. 8. Notice About Electronic Check Conversion. 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 bank account or to process the payment. a check transaction. When we use Information from your check to make an electronic fund transfer, funds may be withdrawn from your bank soccunt as soon as the same day war recehe your payment, and you will not receive your check back from your financial Institution . BILLING RIGHTS SUMMARY (In Case of Emote a Questions about Your BN) If you think your hill Is wrong, or if you need more Information on a transaction or bill, write to us on a separate sheet. soon as possible at the address or inquiries shown on the front of this statement We must hear from you no lax can 60 days after we sent you the first bill on which the error or problem appeared. You can call our Customer Relations number, but doing so will not preserve your rights. In your letter, give us the fotlovdng infomation: your rem e, and account number, the dolar amount of the suspected error, a description of the error and an explanation, If possible, of why you bellow there Is an error; or if You need more information, a description of the item you are unsure about You do not have to pay any amount in question while we are Investigating It, but you are 8011 obligated to pay the parts of your bill that am nt In question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. t, T Special Rule or Credit Card Purchases N you have a problem with the quality of property or services that you Purchased with a credit had and you have tried in good Wth to comets the Problem with the merchant, you may have the right not to pay the remaining amount due on the Property or.rvima. You hew We Protection only when the Purchase price was mom than $50.00 and the purchase was; made in your home stay or within 100 miles of your merging address (If we own or operate the merchant or If we mailed you the advertisement for the property a servicee, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all cOmespondence. T Does not apply to consumer non-cmda cad accounts It Does not aP* to business non-credit card accounts Capital One supports information pnvecy proledion:.e Our website at va?w.ceoitalone rrom. Capital One is a federally regisared service mark of Capital One Financial Corporation. AN rights reserved. O 2006 Capital One TC 08 01 OM6056 - 1 - 04110107 Important Notice: Payments you mail to us wit be credted to your a-rt as of the business day we receive it, provided (1) you send the bomm portion of tlo Statement and your deck in the ehdoaed mmdlznce envelope old (2) your paymenl I. received in our procasirg center by 3 p.m. ET (12 noon PT). Please allow at lent five (5) business days for postal delbery. Payments received by w at any otter location or in any other form may trot be aedlted as of the day we receive them. Our business days are Monday through Saturday, excluding hoddays. Please do not use Staples, paper clips, etc. when preparing your payment. Capiwone- I 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 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. © 2006 Capital One Services, Inc. Capital One it a fedemUy registered service mark. AU rights reserved Previous Balance Pa FINANCE yments 8 Credits CHARGE Transactions $6,285.34 - $0.00 + $79.88 + $0.00 Jun. 27, 2007 - Jul. 25, 2007 Page 1 of 1 Visa Platinum Account 4003.4425.7261.1450 //? Your Account Information REWARDS' TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate to'"; CHARGE Purchases $6,323.80 0.04356% D 15.90% $79.88 Cash $0.00 0.04356% D 15.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 15.90% 0 At Your Service 1.800.955-7070 To call Customer Relations or 10 report a lost or stolen card ® Send payments to: Capital One Bank P.O. Box 70884. Charlotte, NC 28272-0884 New Balance Minimum Payment Due Date $6,365.22 $560.00 Aug. 20, 2007 PLEASE PAY AT (FAST THS AMOUNT Yoli re beh:nr' h rtwo paymp. ts. LaYs teik. 1. you re hav no fnzncia(n??icu ti?? r :1 Ae yovr min murr payment-we v,n,t to help_ Let's work tooet "er to fino < s 1.800 .9553070 auto, ti?at Norks bes' ?e a ca9 at . "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 that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summa Previous available balance: 17,353 Earned this period: 0 (reflects transactions posted during this billing cycle) Available Balance: 17,353 Payments. Credits 8 Adjustments You are a valued Payment Protection customer and may be eligible for benefits to be paid to your account per A the terms of your Payment Protection agreement. If you have experienced an eligible loss event, please call Send inquiries to: Stonebddge Benefit Services at 1-888-527-6904 to see if your situation qualifies for benefits. Your account is 60 Capital One P.O. Box 30285 - Salt Lake City, UT 84130-0285 days past due and your coverage will be suspended if it reaches 90 days past due, as stated in your Payment Protection agreement. ® For more information on your Rewards: Visit: www.capitalone.comlmilesrewards Call: 1-800-228-3001 6056 506 1 07 25 070725 PAGE 1 of 1 OIDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ON LINE /+,,~Vf? ?_M I what's in your wallet?' 0 4003442572611450 25 6365220181000560003 New Balance Minimum Payment Due Date Account Number: 4003-4425-7261-1450 Please print address or phone number changes below using blue or black ink. $6,365.22 $560.00 Aug. 20, 2007 Address PLEASE PAY AT LEAS] THIS AMOUNT Home Phone Alternate Phone Amount Enclosed E-mail address @ 49020734942915571# MAIL SD NOMEER EVIE GONZALEZ 4707 CHARLES RD It A Capital One Bank MECHANICSBURG, PA 17050-7710 P.O. Box 70884 IrlululrlnllurlPll Charlotte, NC 26272-0864 Inrlllu,IllunlrlrllurlnPllnrlnrllllurllnrlnrlrlrlrl III IIIIIIIIIIIIIIII III 111111111 II IItl11111I11I111111111II11111 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. EVIE GONZALEZ 1. Near ft Avoid a Finenca Chaargemi. 1 s. Grace Period, You wig have nimum grace period o125 days without finance charge can new purchases, new, balance transfers, new special purchases and new other changes 1 you Pay your total "New Balance', in acessid. ce with the Important Notice for payments below, and in time for it to be credited by your payment due data. There is no grace period on cash advances and -Pedal transfers. In addition, there Is co grace period on any transaction If you do not pay the total *New balance.' b. Accruing Finance Charge. TraneaWons which are not suh(ed to a grace period are assessed finance charge 1) from the date of the transaction or 2) fiOm the date the transaction is processed to yew Account or 3) from the fret calendar day of the current biling period. Additionally, N you did not pay the "New Balance' from the previous tilling period in full, frsnce charges continue to socrus to your unpaid balance unlit iM unpaid balance is paid in full. This means that You may 9011 owe finance charges, even F you pay the entire New Balance indicated on the front of your statement by the payment due daft, but rid not do so for the Previous month. Unpaid finance charges are added to the aPplicabla segment of yourAccouo. t c. Minimcm Fk_ Chugs. For each killing period that your scwcnt is sublets to a hence charge, a minimum foal FINANCE CHARGE of 50.50 will be imposed. t d. TemPOrary Reduction In Finance Charge, We resorve the right to not assets any or all finance charges for any given Wing period. 2. Average Daly Ilalareas (Including New Purchases). Finance charge is calculated by mWgpiying the daily balance of each Segment of your account (e.g., cash advance, Pulc ase, special transfer, and Special Purchase) by the =responding dry Periodic rate(s) that has been previously disclosed to you. At the and of each day during the tilting period, vre apply the defy periodic rate for each segment of your account to the daily balance of each sagnWIL Than at the end of the tlNkg period, we add up the results Of ease daily calwlat)ons to arrive at your posted ic finance charge for each sagmem. We add Lip the results eom each eegraern to arrive at the total Periodic thence charge for your account To gas the daily balance for each segment of Your account we take the begin ng balance for Each aegment and add eery new, transactions and any PenodkP finance charge calcplead Pin tie previous days balance for dot sa¢ronl. We than SUISMd any paymeoe or credit. Pealed as of seat day that are alocaled to that Segment. This gives us the separate daily balance for Each segrtera of your account. However, If you Paid the New Balance shown on your previous statement in ful (or If Your new balance was zero or a credit amount), new trammodone. which poet to Your Purchase or special Purchase segments are not added to the daily balances. We calculate the average daily balance by adding al the daily balarccec together and dividing Me sum by Ore number ot the tleya in the wmenl billing Yds. To calculate your total finance charge, multiply your average daiy balance by 0s dely Periodic rate end by the number of days in the bging period. Due to rounding on a daily basis or due to minkoum finance charge esaeasmpnt, them may be a variance between this calwladon and Me amours or finance charge actually asseased. 3. Annual Percentage Rates (APR). a. The tartn'Annual percenlage Rate" may appear as 'APR' on de front of thla statement. h. If the code P (Owdorty Prime), L (Quarterly LIBOR), C (Quarterly CD), or S (Benkcmd Prime) appears can the front of this statement neat to Me periodic rate(s), the Periodic rates and correstiondng ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease Ixased on the stated indices, as found in The Wall Street Journal, plus the margin previously disclosed 1. you. These darngea will be effective on de hat day of your WAN period covered by your periodic rdatemem ending in the months of January, April, July and October. c. If the code D (Monthy Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement neat to the periodic rate($), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very monthly and may increase or decrease based on the stated Indices, as round in The wall Street Journal, plus the margin Previously disclosed to you. These charges w11 be effective on the first day of your billing period each month. 4. Assessment of Late, Overlimit and Returned Payment Fess. Under the terra of your cr aknot, egreemenl, we reserve the right to waive or not to aseeas any teas Without priorno0ficatlonte you wfthoutwelyi g ourrlgMto assess the same or simileriess at a latertime. t 5. Reassuring -Account If a membership fee app..m on the from of your Statement, you have 30 days from this data this statement was melted to you to avoid paying the tee or to have such fee credited to you a you cancel your account without having to pay the membership fee. To cancel your account you must notify us by calling our Customer Relations Department and pay your -Jew Balance" In full (excluding the membership fee) Prior to the and of the thirty-day Period. 6. If You Class Your Accentual. You can request to dose your account by calling our Customer Relations Department. You must destroy Your credit card(s) and account access onedt., cancel all Pnewthodzed billing End coats using your account After your request to close. N you continue to transact or do not cancel Preaulhorized biting arrangements, we will to 81dw receipt of a charge your aulhdlmtlon to keep your account open. Additionally, your account will not be closed unfit you pay all amounts you owe us Including: any transactions you have authorized, finance charges, past due face, ovedim@ less, returned payment feet, cash advance fees and any other fees assessed to your account. You are responsible for these amount whether they appear on your account at the time you request to dose the account is, they am Incurred subsequent to your request to dose the arceem. This may strut in charges See- p on your account after you have requested the eco 1 to be dosed. 7. Using Your AccounL Your card or account cannot be used in connection with any Internet gambling frensactions. 8. Notice About Electronic: Check Conversion. When You Provide a check as payment, you authorize us either to use information from your check I. make a onetime electronic hind transfer from your bank account or to process the payment as a check transaction. When we use information from your check to make an alecoomc NM transfer, funds may be withdrew from your bank account as soon as the same day we receive your payment and you will not receive your check back from your financial rallied. BILLING RIGHTS SUMMARY (in Case of Emers or Questions about Your Bill) N YOU Mink your hill is wrong, or If you reed mores Information on n transaction or bill, write to as on a separate mass as soon as possible at the address for inquidas shown on the front of this statement. We must hear from you no later than 60 days after we Sent you the first bill on which the error or problem appeared. You can call ar Customer Relations number, but doing ao will net preserve ur rights. In your IetlW. give us the following inloma0oyon: your name and account number, the dollar amount of the suspected error, a description of the error and an explanation, 8 possible, of why you believe there is an error; or if you need more Information, a description of the lam you are unsure about. Yw do not have to Pay any amount in question while we are investigating It but you are still obligated to pay the parts of your bill that are not In question. While we invecliga s your question, we cannot report you as delinquent or take any action to cullsel the amount you question. k. T Special Rule for Credit Card purchases N you have a problem with the quality of Property or servkas that You purchased with a credit card and you have tried in good faith to correct the Problem with the merchant, you may have the right not to Pay this remaining amount due on the Property or Services. Yon have the Protection only when the purchase price was more than $50.00 and the purchase wee mode In your home state m within 100 miles of your mailing address. (If we own or operate the merchant or If we mailed YOU the advereeemant for the Properly car Services, all purchases arc covered mgardieae of amount or location of Purohass J piesea remember to sign all ccrre.ponderce. t Does rat apply to consumer noncredt card accounts t Does no apply to business non-credit card accounts Capital One Supports information privacy protection: see our wobsfte at www oaoaakas nom. Capital One Is a federally registered servies mark of Capital One Financial Corporation, All rights reserved. 0 2006 Capital One 7C-08 01 DM6056 - 1 - 04110/07 Important Notice! Payments you mall to us wit be credited to your account as of She beenses day .a receive it, pmvkled (1) you send is bell= podbn Of tits statement and your dad in to enclosed ramlunce envelope and (2) your Payment is received in our processimf center by 3 P.M. ET (12 noon PT). Please alb. at least five (5) ware. days far postal delFwry. Payments eceNed by us at any other location or In any other form may not be credied as of the day Se receive them. Our business days are Monday through Saturday, excluding Widays. Plains do not use staples, paper clps, etc. when prepang your payment. Capital0ne" 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 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rigba reserved. 500010-08503 FINANCE Previous Balance Payments & Credits C HARGE Transactions $6,365.22 - $0.00 + . $86.52 + $0.00 Jul. 26, 2007 - Aug. 25, 2007 Page 1 of 1 Visa Platinum Account 4003.4425.7261.1450 GIRO Hassle Your Account Information REWARDS TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0,00 FlnanCe Charges (Please see reverse for important information) Balance rate Per odic Conesponding FINANCE applied to rate APR CHARGE Purchases $6,406.98 0.04356% D 15.90% $86.52 Cash $0.00 0.04356% D 15.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 15.90% AIA? At Your Service 1-800.955-7070 To call Customer Relations or to report a lost a stdan card ® Send payments to: Capital One Bank -P.O. Box 70884. Charlotte, NO 28272-0884 A Send inquiries to: Capital One P.O. Box 30285 - Salt Lake City, UT 84130-0285 ® For more information on your Rewards: Visit: www.capitalone.cam/miesrewards Call: 1-800.228-3001 New Balance Minimum Payment Due Date $6,451.74 $740.00 Sep. 19, 2007 PLEASE PAY AT LEAST Tres AMOUNT You're behind by three payments. That means you are temporarily un2b!e to make ne,,; ( ,chases or get cas'r advances. But you can regain your Capital One cnarging prvileges and bring your a It bac? Into good standing by paying the amount due on your statement. I' yodre hav:ne Franc -Ific, and yn - ref.:.., ovP: wlle!med - we want to neip. Glve one of our assoc .les a cat at 1,800 9,55 ; d ne ; ,rl - ` what _ve can do together to work this out "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 that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summa Previous available balance: 17,353 Earned this period: 0 (reflects transactions posted during this billing cycle) Available Balance: 17,353 Payments, Credits & Adiustments 6056 506 1 07 25 070825 PAGE 1 of 1 OlDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE oW I what's in your wallet?' 0 4003442572611450 25 6451740181000740008 New Balance Minimum Payment Due Date C$6,451.74 $740.00 Sep. 19, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70884 11111111 1 9 1 LllrtrLlrll Charlotte, NC 26272-0884 6r I11611114111111161611I1116111111611111611111 1 ,ILrrll Account Number: 4003-4425-7261-1450 Please print address or phone number changes below using blue or black ink. Home Phone Afternate Phone E-mail address @ #9023834942915576# MAIL ID NUMBER EVIE GONZALEZ 4707 CHARLES RD # A MECHANICSBURG, PA 17050-7710 nrlllnrlllnulrlLllntlnrl is1111111111111111111 pill r lilt Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. EVIE GONZALEZ I. Hoar to Avoid s Finance Charge. T a. Green Period. You will have a minimum grace period of 25 day. saw finance charge on new purchases, new balance transfers, new sped al purchases and new other charges M you pay your total 'New Balance, In accordance with the Important Notice for payments below, and in time for it to be credRed by your payment due date. Thera is no grace period on Cash advances and special transfers. In addition, them Is no grace period on any transaction If you do not pay the total -New bate es.• b. Accruing Finance Charge. Transactions which are not "act to a grace period are assessed finance charge 1) from the date of the transaction or2) tram die dale the Iraasectiun is precomaid to yaw Account or 3) from the firs) calendar day of the aarent billing period. Additionally, l you did not pay the "Now Balance' from the previous b1hing Period in full, finance charges continue to Scalia. to you unpaid balance until the unpaid balance is paid in full. This means that you may still dare faance charges, even if you pay the -fire New Bale- indicated an the front m your statement by We payment due date, but dill nt do so far tie previous month. Unpaid finance changes are added to ae applicable segment of yaw Account t c. ANninarm Finance Charge. Far rani billing Period that your account is mA*d to a finance charge, a minimum total FINANCE CHARGE of 50.50 will be imposed. t d. Tempmary Reduction In Finance Charge. We reserve the right to not assess any m all finance charges for any given biting pedal. 2. Awrape Daly Baanu (I nUWing New Purchases). Finance charge is Calculated by multiplying the daily balance of each Segment of your account (e.g., cash advance, purchase, special beafy, and special Purchase) by the corresponding daily periodic rebels) that has hew Previously disclosed to you. At the and of each day during the billing Period, We apply the daily periodic rate for each segment of your aernunt to tie daily balance of each Segment. Than at the and of the billing period. we add up the results of these daily calculations to arrive at your periods finance Burge flu each segment We still up the results from each segment to arrive at the total periodic finance charge for your account To gal the dally balance for each segment of your sccoa t. we take the hegiming baler" for each segment and add any name transactions and any periods finance charge Calodated on Me previous deyh balance for Mat Segment. We then slhtrad any payments tar crleChe Pasted as of that day that are located to that segment. This gives ue to sepanse dairy balance far wdn septant of your accdum. However, If you paid the New Balance shown on your previous statement In full (or N your new balance was zero or a Credit amount), new transactions, which post to Yow purchase or special purchase segments ere rat added to the daily balances. We cakeurm the average dally balance by adding AN the dairy baanes together and dividing the sum by the number of the day. in the currem bung cycle. To Calculate your total franca charge, multiply your average daily balance by the daily periodic rate and by the number of days in the being period Due to rouralin on a 7. Using Your Account Your Card or account cannot be used in . g daily bons or due to minimum finance large amessment connection with any Internet gambling transactions. • theme may be a variance between IN. Casuled- and the B. Notices About FJsctronk Check Conversion. amount of finance charge acWSly mosesed. Noon W Provide a You as payment, you authorize us n cha 3. Annual Percentage Rates (APR), he to use information from eit your Check to make a one-lime a. The term eAnnual Percentage Rata" nay appear electronic fund transfer from your bank account or to process as 'APR' on it's front of this statement the payment as a check transaction. When we use b. If the code P (Quarterly Prime). L (Quart" LIBOR), C Information from your check to make an electronic fund (Quarterly CD), or S (Beakeard Prime) appsas on the front transfer' funds may be withdrawn from your bank account as of this statement rent to time periods mete(s), the periodic soon as the some day we reeelve your payment , and you will rates and Comesponcing ANNUAL PERCENTAGE RATES not receive your check back hom your financial Insdalldn. may wry quarterly and may increase or decreap bared on BILLING RIGHTS SUMMARY the sated indices, as band in The Wall Street Journal, plus (In Case of Errors w Queaums about your BIN) the margin Previously disclosed to you. These charges will If you think your bill Is wrong, or If you need more Information on be effective on the that day of yaw biting period covered by a transaction or bill, write to us on a separate sheet as soon as your Periodic stanant ending In the months of January possible at the address for inquiries shown on the front of this April. July and October. statement We must hear from you no late than 60 days after we c If the We D (Monthly Prone), F (Monthly LIBOR), or G sent You the fist bill on which to error or problem appeared. You (Treasury LIBOR) appears on the front of your statement can Call as Customer Relations number, but doing so will not next te the Parodic raa(s? the periodic rates and Preserve your rights. In your letter, give us the following corresponding ANNUAL PERCENTAGE RATES may wry information: your came and account number, the dotter amount monthly and may increase or decrease based on the sated of the suspected error, a description of the error and an Indloss, as found In The Wall Street Journal, plus the explanation, If pewlble, of why you bell-- there I. an enter, or t margin Previously disclosed to you. These charges will be you need more information, a description of the item you arc effectiva on the flrst day of your biling period each month. unsure about You do not have to pay any amount in question 4. Asapsrrant of Late, OvarHmH and Reamed Payment while we are Investigating n, but you are still obligated to pay the Fees. Under the leans of your wslamer agreement, we parts of your bill that are act in question. While we Investigate reserve the right to wah e o not to assets any fees without your question, we cannot report you as delinquent or take any Prior ntlficedon to you without waving ourrlght to assess the action to collecl the amount you question, same or similarfws at a latertime. t. T Special Rule or Credit Card Purchases 7 5. Renwrag Your Account. If a membership fee appears If you have a Problem with the quality of property or sarvsw that on the front of your statement, you have 30 days Iran the you purchased with a credit Card and you have hied in good faith date this aaamem was mailed to you to avoid paying the to correct the problem with the merchant, you may have the right tie or to haw such fee credited to you if you Cancel your not to Pay the remaining amount due on the property or services. account without laving to pay the membership fee. To You have this Protection only when the purchase price was more cancel your account, you must notify us by Caging our than $50.00 and the purchase was made in your home sate or Customer Relator Department and pay your-New within 100 miles of your nailing address. (If we own or operate Balane in full (excluding the membership fee) prior to the merchant or if we mailed you the advertisement for the the and of the thirty-day period. Property or services, all purchases are covered regardless of 6. If You Clop Your Account. You Can request to dose your amount or location of purchase.) Please remember to sign all account by calling our Customer Relations Department. You ceraspondene, must destroy year credit card(s) and accent access rhedrs, t Does act apply rte consumer nn-credit card accounts cancel all presuthorized billing and oases using your account . After your request to cop, It you Continue to fro- or do t Aces not aPPy to business non-credit card accounts not Cancel presuthonzed billing arrangement,, we "I Capital One supports information privacy protection: we our consider rerelpl of a cage your authoriradea to keep your websme at www Caoitakxe core. account open. Additionally, your account will not be dosed Capital One Is a federally registered service mark of Capital One until you pay all amounts you owe us including: any Financial Corporation. AN right. reserved. ® 2006 Capital One transactions you have authorized, finance charges, past due few, eveamft fees, returned payment fees, Cash advance fees and any oherfew assessed to your account. You are responsible for these amounts whether they, appear on your account at the time you request to dose the account a they are incurred subsequent to your request to clop tine acknurs. This may result in Charges eppwmg an your account after you he- requested the acd [ to be dosed. TC-0e 01 DM60 56 - 1 - 04110107 Important Notice: Payments you mail to us will be ceded to your account as of the business day we receive it, Provided (1) you send the bottom potion of this statement and your Check in the enclosed remltano envelope and (2) yow payment is received in our processing center by 3 p.m. ET (12 noon PT). Please allow at exit five (5) business days for pastel delivery. Payments mc&ed by us at arry other location or in any other tom may not be masted as of tie day we receve them. Our buamos days are Monday through Saturday, excluding holidays. Please do not use staples, paper dips, etc. when prepeing your payment. CapitalQne• TAKE CONTROL OF YOUR CAPITAL ONE® 500011 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. 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. C 2006 Capital One Services, Ina Crtpital One it a federally registered service mark. All rights reserved. 500011-08503 FINANCE Previous Balance Payments & Credits C HARGE Transactions New Balance Minimum Payment Due Date $6,451.74 - $0.00 + $156.25 + $78.00 = $6,685.99 $940.00 Oct. 20, 2007 Aug. 26, 2007 - Sep. 25, 2007 Page 1 of 1 Visa Platinum Account 4003.4425.7261-1450 Q Af01fIMSM Your Account information REWARDS TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 FCharges lease see reverse for important information) rate Periodic Corresponding FINANCE to rate APR CHARGE 5.75 0.07712% D 28.15% $156.25 0.00 0.07712% D 28.15% $0.00 RATE applied this period: 28.15% AIN At Your Service 1-800-055.7070 To call Customer Relations orto report a lost or stolen card: ® Send payments to: Capital One Bank P.O. Box 70884 Charlotte, NC 28272-0884 nf/SE PAY AT IfAST THIS AMOUM You're ben rid by four payments. 1'ou sell CaO stake any rew purrhases or cash a i Fs on r rn;:,ni. But you can sell rega'r your cha gi :g privileges and bring your account back into gooc si : oy :. g ;he amount due on your statement by fre next due dale. U oounateiy- i`we don't ,- pr - trl, we may have to pernanelly suspend yow charging prdieges. Need hel u? G-ce us r Ldor yd= work together to see wrier you, options ale to rebuild your ;ccovnt status. Rewards Summary_ Previous available balance: - - --- -- - " Earned this period: 17,353 (reflects transactions posted during this billing cycle) 0 Available Balance: 17,353 Payments, Credits & Adjustments Transactions 1 19 SEP PAST DUE FEE --------?------_2 25 SEP OVERLIMIT FEE SEP 25, 2007 $39.00 $39.00 A Send inquiries to: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 ® For more information on your Rewards: Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been Visit: www.capitalom.com/milesrewards increased since your account was past due twice in the past 12 billing cycles. If your rates have already Call: 1-800-228-3001 increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a ® possible return to your Non-Introductory APR. Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of You were assessed a past due fee because your minimum payment was not received by the due date. To avoid your statement or visit wow rgpitalone mm/dis Ltes, this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 07 25 070925 PAGE 1 of 1 OIDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W1NW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4003442572611450 25 6685990181000940005 c°~,? , I what's in your wallet?* New Balance Minimum Payment Due Date $6,685.99 $940.00 Oct. 20. 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70664 1 rill lrrlrllrlunllrl Charlotte, NC 26272-0664 Inlrl6rlurbllnr6r6111fill r61ulu6r16r1r,6rll1T.II Account Number: 4003-4425-7261-1450 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address 9 #9026934942915571# MAIL ID NUMBER EVIE GONZALEZ 516 CUMBERLAND POINTE CIR MECHANICSBURG, PA 17055-5456 rrrlllrrrlllrrrrlElrrlElrrlTlrrlrrlElTlrrllrrlElrrrllrrlrrrll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. EVIE GONZALEZ 1. Nor to Avoid a Finance Change. t a. Grace Period. You wti hew a minimum grace period of 25 days wshout finance charge on new purchases, new balance transfers, new special purchases and new other charges l you pay your total 'New Balance', in accordance with the Important Notice for payments below, Seal In time for It to be credited by your payment due date. There is no grace period on man advances and special wrefers. In addition, them Is no grace period on any transaction If you do not pay the total "Now balance." b. Acanring Finanu Change. Transactions which sm net subject to a grace period are assessed finance barge 1) from the data of She tierseChonr a 2) from the data the trrrackon is processed to yaw Account or 3) from the first calendar day of the warrant billing period. Addhionaly ff you did not pay the'Nev, Balance' from the previous tilling period in full, firmest charges confinue to socaus to your unpaid balance until the unpaid balance is paid in full. This means that you may sou owe finance charges, even If you pay the entice New Be]- indicated m the heat of your statement by the payment due date, but rid not do so for the previous month. Unpaid finance charges are added to the applicable segment of yourAcconnt t c. Minimum Faience Charge. Fa each biting period that your account Is abject to a karts charge, a mlnlmum total FINANCE CHARGE of $0.50 will be imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not assess any or all finance charges fa any given billing period. 2. Average Daily Balance (Including New Purchasae} Finance charge is calculated by multiplying the dairy balance of each segment of your account (e.g., cash advance, purdmsc, spo del transfer. and special purchase) by the corresponding daily periodic rebels) asst has been previously disclosed to you. At the end of each day during the bung period, we apply the dairy periodic rate for each segment of your accatN to the daily balance of each segment. Than at the end of the bilig period, we add up the rewlta of them dairy calmdatic m to anNe at your periodic finance charge for each Segment. We add up the results from each segment to salve at the total periodic finance charge for your account To get the daily balance for each segment of your account. was take the beginning balance for each wgnwA and add any new transactions and any periodic finance charge calculated on the previous days balance far that segment. We than subsists any payrnena or c dhs posted as of but day that are allocated to that segment. This gives ten the ¦apareas defy balance or each Segment of your account. However, If you paid the New Balance shown on your previous statement in ful (a N your new balance was zero or a credit amount), new hamactions, which poet to your purchase or special purchase segments are not added to the daily balances. We calculate the average daily balance by adding all the daily balances together and dividing the sum by the number of the days in the Wrreat billing cycle. To calculate your total finance charge, multiply your average daily balance by the daily periodic rate and by the number of days M the billing period. Due to rarndirg on a dally basis or due to minRnum hence charge assessment, them may be a variance between the calculation and the amount of finance drrge actually asawmad. 3. Annual Percentage Rates (APR). a. The tam 'Annual Percentage Rate- may appear as'APR' on the from of this statement. b. If the code P (Quarterly Prime), L (Quarterly LIBOR), C (Quarterly CD), a S (Bmkmrd Prime) appears on the front of this statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very quarterly and rimy Increase or decrome based an the staled indices, as found in The Well Street Journal, plus the margin previously disclosed to you. These cleaves will be effective an the first day of your biting period coveted by your periodic statement ending in the months of January, April, July and October c. If the code D (Monthly Prime), F (Monthly LIBOR), a G (Treasury LIBOR) appears on the from of your statement next to the periodic retails), the periodic rates and conespprding ANNUAL PERCENTAGE RATES may very monthly and may kwase or decrease based on the stated Indices, as found In TM Wall Street Journal, plus the margin previously disclosed to you. Thane changes will be effective on the Ant day of your billing period each month. 4. Assesanssnt of Ista, OwdlmB end Returned Payment Fees. Under the lama of your customer agreement, we reserve the right to "Iva a not to eases any fees without PdanodMaim o you without waNkg ourright to assess the eamea similarfees at a latertime. t 5. Renewing Yew Account If a membership fee appears an the front of your statement, you new 30 days from the date this statement was muddled to you to avoid paying five fee or to new such fee credited to you 1 you cancel your account without having to pay the narMerehip fee. To cancel your account, you must notify us by sling as Customer Relations Department and pay your INew Balance in ful (excluding the membership fee) prior to the end of the thirty-day period. 6. If You Close Your Account. You can request to done your account by calling our Customer Relations Department. You must destroy your cradh card(s) and account access checks, cancel all preaut honed billing and cease using your account Ater your request to close, if you continue to transact or do not cancel preauthorized billing enangements, we will mnalder Maelpt of a charge your sulhodzation to keep your account open. Additionally, your account will not be dosed until you pay all amounts you owe us including: any transactions you haw authorized, Manco charges, past due fees, overlma fees, returned payment lea, rash advance fame and any other fees assessed to your account. You are responsible fa these amounts whether may appear an your account at the tlme you request to dose the account or they are Irxourred subsequent M your request to dam the account. This may result in charges Spews g on your account after you have requested the acrnual to be dosed. 7. Using Your Account. Your card oraccoum canna be used in connection with any Internet gambling transactions. S. Notice About Eiectmnk Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund "new from your bank account or M process the payment as a check trareaction. When we use Inforarmon from your check to make an electronic fund transfer, funds may be widgrewn from your bank account as scan as the same day we receive your payment, and you will rot receive your check back from your financial institution. BILLING RIGHTS SUMMARY (In Case of Emote a Ouestions abort Your BIN) If you think your hill Is wrong, or 0 you need more information on a transaction or bill, write to us an a separate sheet as man as possible at the address or inquiries shown an the front of this statement We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can tell our Customer Relations number, but doing ao will not preserve your rights. In your leap, give us the fallowing information- your name and account number, the claim amount of the suspected error, a description of the error and an explanation, B possible, of why you believe them I. an error; or if you coed more information, a description of the item you are unsure about. You do not have to pay any amount in question while we are Investigating n, but you are still obligated to pay the parts of your bill that are rat In question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. kI t Special Rub for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may hew the right not to pay the remaining amount due on the property or serNcas. You have this protection only when the purchase price was more than $50.00 and the purchase was made In your home state or within 100 miles of your nailing address. (If we own or operate the merchant, or If we mailed you the advertisement fa the property a services, all purchases am covered regardless of amount a location of purchase.) Please remember to sign all correspondence. t Does not apply to consumer non-sal card accounts t Doan not apply to business non-credit card accounts Capital One Supports information privacy protection: see our websfte at wvnv.caciaone.com. Capital One Is a federally registered service mark of Capital One Financial Corporation. All rights reserved. 0 2006 Capital One 7C-D8 01 OM6056. 1 - 04/10/07 Impm ad" Nogm: Payments you mail to us wll be Credited to war account as d the business day we receive 1, provided (1 you send the bet tm portion Of this statement said your clad, in the enclosed amo erm nvebpe and (2) you payment is a cehed in au processing center by 3 p.m. ET (12 noon Pf). Please allow at least five (5) business days for postal deivery. Payments received by us at any other location or in any other fen may rat be cradled as of the day we receive them. Our bushms days are Monday through Saturday, excluding holidays. Please do not use staples, paper tips, etc, when preparing your payment. ?OW ' 500012 ITS STILL NOT TOO LATE. what's in your wallet?' 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, Inc. Capital One it a federally registeeed service mark. All rights reserved 500012-08503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date C$6,685.99 - $0.00 + $153.80 + $39.00 = $6,878.79 51,146.00 Nov. 19, 2007 Sep. 26, 2007 - Oct. 25, 2007 Page 1 of 1 PLEASE PAY AT LEAST THS AMOUNT Visa Platinum Account 4003-4425.7261-1450 (11ft 'las* Your Account Information! REWARDS TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Conesrnding FINANCE applied to rate APR CHARGE Purchases $6,767.77 0.07575% D 27.65% $15180 Cash $0.00 0.07575%D 27.65% $0.00 ANNUAL PERCENTAGE RATE applied this period: 27.651/6 AM At Your Service 1.600.955-7070 To call Customer Relations or to report a lost or stolen card: ® Send payments to: Capital One Bank - P.O. Box 70884 - Charlotte, NC 28272-0884 A Send inquiries to: Capital One - P.O. Box 30285 Salt Lake City, UT 84130-0285 ® For more information on your Rewards: Visit: www.capitalone.contimilesrewads Cale 1.900.228-3001 You're beMnd by 5ve payments so :veve permarently suspended o r caarg'rg p-v-leges. yc n, t make a s,.ffc erit payment in the next 7 v eeks your dccouot is at ;S,- for bel g c argea o erci repcTee to the nativa!. credit bureaus_ Please don't let 11' is nrpcen. If you're feelLg ovorw r rr r• cF,. _ [ 1.800.955 6806. Well was Witl`. you to resolve tnis matter. Rewards Summary Previous available balance: 17,353 Earned this period: 0 (reflects transactions posted during this billing cycle) Available Balance: 17,353 Payments, Credits & Adjustments Transactions 1 20 OCT PAST DUE FEE $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid ® Have a question about a charge on your statement? this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Please refer to the Billing Rights Summary on the back of Capital One. your statement or visit www.caoitalone.com/disputes. 6056 506 1 07 25 071025 PAGE 1 of 1 OlDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW,CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4003442572611450 25 6878790181001146006 cw"Ow what's in your wallet?" Account Number: 4003-4425-7261-1450 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. C$6,878.79 $1,146.00 Nov. 19, 2007 Address PLEASE PAY AT LEAST THIS AMOUNT Home Phone Arternate Phone E-mail address @ Amount Enclosed #9029934942915578# MAIL ID NUMBER EVIE GONZALEZ 546 CumBERLAND POINTE CIR Capital One Bank nECHANICSBURG, PA 17055-5456 P.O. Box 7011114 IJttIttlLrtltLrll'l lrrJlLrtllltrrrLltrLltrLIEJrJ,ILIrrllrJrLrrlLrltrtll Charlotte, NC 211272-0884 lulrllnlittle life lulrlllmlalrlulnlullulululltnll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. EVIE GONZALEZ I . Now to Avoid a Finance Charge. t e. Graze Period. You will have a minimum grace period of 25 days without finance charge on new purchases, now, balance transfers, new special purchases and new other charges M you pay your total "New BelancW, in accordance with the Important Notice for payments below, and in time for it to be Credited by your payment due date. Thera is no grace period an man advances and special transfers. In addition, there is W grace period on any transaction If you do tot pay the total "Now balance.' b. Accruing Finance Charge. Ti ansactiOro which are not subject to a grace period are seaweed finance charge 1) from the data a( the transaction or 2) from the data the tramacton is processed to yaw Account or 3) from the first calendar day of the Current baling period. Additionally, If you did not pay the -New Balance' from the previous biting period In full, firma charge casnue to socrus to your unpaid balance untl the unpaid balance is paid in full. This means that you may still owe finance charges. even Y you pay the erhtno New Balance Indicated on the from of year statement by the payment due date, but did not do a far the previous month. Unpaid finance charges are added to the applicable segment of your Account t c. W.1- Fit- Charge. Fa itch billing period that your account Is subject to a licence charge, a minimum total FINANCE CHARGE of 30.60 will be Imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not teases any or all finance charge fa any given bung period. 2. Avaraga Dally Balance (Including New Purchase} Finance charge s Calculated by multiplying the dally balance of each segment of your account (e.g, ash advance, purchase, special trarsfa, and special purchase) by the corresponding daily periodic note(s) dial has been previously disclosed to you. At the and of each day during this bung period, we apply the dairy periodic two for each segment of your account to the daily balance of each segment. Than at the and of the titling period, we add up the results of thee daily Calculations to am" at your periodic finance charge for each segment. We add up the results from each segment to arrive at the total periodic fiance charge for your aCCarnt. To gal the daily balance for each segment of your account we eke the beginning balance for each segment ant add any new bamectom and any patadic sconce charge calculated an the p wA" days balance for that segment. We then subtract any payments or credit. posted as of that day that am allocated to that segment. This gives us the separate daily batteries for each segment of your account. However, If you paid this New Balance shown on your previous statement In full (or If your new balance was zero or a sac t amount), new ea-actions, which post to your purchase or special purchase segments, are not added to the dally balances. We aakxtale the average daily balance by adding all the dally baWnraa togeter and dividing the sum by the number of the days in the atmeM billing cycle. To calculate your loll finance charge, multiply your average daily l aacece by the daily periodic rate and by the number of days In the ruling Period. Due to rounding on a daky basis or due to minimum finance charge assessrmnt, there may be a variance between title Calculation and the amount of finance charge actually assessed. 3. Annuat percentage Rasa (AFR). a. The term 'Annual Percentage Rate" may appear as 'APR' on the front of this statement. It. If the code P partially Prime} L (Ouarterty LIBORI. C (Quarterly CD), or S (Benkcard Prime) appears on the front of this statement next to the periodic raft(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may wry quarterly and may Increase Of deaeaa based an the stated indicts, as found in The Vital Street Journal, plus the margin Previously disclosed b you. These drernge will be el ecbm on the first day of your tilling pried covered by your periodic statement ending In the months of January, April, July and October c. If the Code D (Mahlhy Pdme), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the periodic rte(s), the periodic rates ant mnesponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based an the staled Indices, as farts In The Wall Street Journal, plus the margin previously disclosed to you. These changes will be eRech" on the first day of your tilling period each month. 4. Aasaaant of Late, Owlimil and Returned Payment Fees. Under th* lams of your Customer agreement we reserve the right to valve a not to assn se any fees wkhout prior notification to you without waiving our right to wastes the same or similerfees ata latertime. t S. Renewing Voter Account. If a membership fee appears on the front of your es4amant, you have 30 days from the date the ttemert was malted to you to avoid paying the fee or to have such fee credited to you t you cancel your account without having to pay the membership fee. To Cancel your accent, you must notify us by Caing oa Cusa mer Relations Department and pay your "Jew Balance in full (excluding the membership fa) prior to the and of the thirty-day period. 6. if You Cloa Your Account. You can request to dose your account by calling our Customer Relations Department. You must destroy your Credit card(s) and accent sax" Checks, cancel at preauthorized billing and Cease using your account. After your request to Cie", if you mntWkue to transact or do not Cancel prauthorized filing arrangements, we will CaWdr maeipt of a dsrge your autMtraton to keep your account open. Additionally, your account will not be dosed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, fast due tees, evedr ft fees, resumed payment fees. Cash advance few and any other fees aseeead to your account. You are responsible fa these amounts whether they appear an your account at the tine you request to dose the account or they am marred subsequent to your request to poor the account. This may result in charges appearing an your account after you have requested the account to be dosed. 7. Using Your Account. Your card or account cannot be used in connection with any Internet gambling trensecdons. a. Notice About Electronic Check Converslon. When you provide a check a payment, you authorize us either to use information from your check to make a aw-time electronic hind tnorhaler from your bank account or to process the payment as a Check transaction. When we use information from your Check to make an eleclronlo fund transfer, funds may be waft awn from your bank account as soon a the same day we receive your payment, and you will not recelve your check heck from your financial institution. BILLING RIGHTS SUMMARY (In Case of Erma or Caused" about Your Bit) V you think your hill is wrong, or If you need mare Information on e transaction or bill, write to us an a separate cheat ea soon as possible el the add- for inquiries ahown on the from of this statement. We must her tram you no later than 60 days after we sent you the flnot bill on which the error or problem appeared. You can call our Customer Relations camber, but doing so will not preserve your righs. In your letter, gve us the fallowing information: your name and account number, the dollar amount of the suspected error, a description of the error and an explanation, N possible, of why you bellave tare is an .mar. or if you reed more information, a desorption of the item you are unsure about. You do not have to pay any amount in question vile we are investigating ft, but you are still obligated to pay the pars of your bill that are rot in question. While we Investigate year question, we cannot report you as delinquent or take any action to collect the amount you question. t, t Special Rule fa Credit Card Purdeea If you have a problem with the quality of property or services that you purchased with a credit Card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. You have this protection only when the purchase price wit more than $50.00 and the purchase was made in your home state a within 100 miles of your mailing address. (If we own a operate the merchant, or it we mailed you the advertisement fa the property or services, all purchases ere Covered regardless of amount or lactation of purchase.) Plea" remember to sign all correspondence. t Does rot apply to consumer non-credif card accounts t Does rot apply to business non-Credit card accounts Capital One supports information privecy pmtection: we our webelte at www ramitabm.can. Capital One s a federally registered service mark of Caphst One Financial Corporation. Al rights reserved. ®2006 Capital One important Nake Payne rs you mall to us sit be credited to your aoxcet as of tie business dry we receive b, provided (1) you send the bottom portion of this statement and you deck in the enclosed mmtWna envelope and (2) your payment is received In our processing center by 3 p.m. ET (12 noon PT). Please allow at total fie (5) business days for postal del" payments received by us at any otter location or In arty other form may not be credited as of the day ae mane them. Our business days are Monday through Saturday, excludng IolMeys, Please do not use stags, paper dips, etc. when preparing your payment. eapiltalone• NOT PAYING YOUR DEBT 500013 what's in your wallet? 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 &ea 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 o8. O 2006 Capital One Services, Inc. Capital One it a federally rtgistertd service mark. All rights reserved 500013-08503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,878.79 - $0.00 + $168.95 + $39.00 = $7,086.74 X1,358.00 Dec. 21, 2007 Oct. 26, 2007 - Nov. 26, 2007 Page 1 of 1 PUlA% PAY AT LEAST THIS AMOUNT You account is six payments cehind. ! e charge off your Account due to late paym,. -, ,.ue w{I revgn the Visa Platinum Account , ranged-o status to severe it o,A odit vureacs ii d the Parc se APR as ,c or. s state neq wv . 4003.4425.7261-1450 IYoHassle be aopiied t a ! Yo,r outstn c ng ba!a ces, Act now to ?.. G •enl fin or %-:,-W..ase pays el-Dunk ice Your Account (ntORltatl0n REWARDS or your statement or give us a cal at 1.800.955.6600 We'll work v i ?o„ 5, car - take cortro a. yrn;r account and start rebinding your credo with Caps: One. TOTAL CREDIT LINE $6,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $6,969.95 0.07575% D 27.65% $168.95 Cash $0.00 0.07575% D 27.65% $0.00 ANNUAL PERCENTAGE RATE applied this period: 27.65% `"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 that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summa Previous available balance: 17,353 Earned this period: 0 (reflects transactions posted during this billing cycle) Available Balance: 17,353 At Your Service 1-600855-7670 Payments, Credits & Adjustments To call Customer Relations or to report a lost or stolen card: ® Send payments to: Transactions Capital One Bank - P.O. Box 70884 - Charlotte, NC 28272-0884 1 19 NOV PAST DUE FEE $39.00 A Send inquiries to: Capital One P.O. Box 30285 • Salt Lake City, UT 84130-0285 ® For more information on your Rewards: Ylsit: www.capitaime.com/milesrewards Call: 1-8000.228.3001 ® You were assessed a past due fee because your minimum payment was not received by the due date. To avoid Have a question about a charge on your statement? this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Please refer to the Billing Rights Summary on the back of Capital One. your statement or visit www.caoitalone.coMdisputes. 6056 506 1 07 25 071126 PAGE 1 of 1 OIDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALON E.COM TO MAKE YOUR PAYMENT ONLINE "°~ow what's in your wallet?' New Balance Minimum Payment Due Date $7,086.74 $1,358.00 Dec. 21, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70664 - Itlrrlrrllrrllltrlllrl Charlotte, NC 26272-0684 L11tILrhrdrlLltLrLlllrrrlrrLlrtlrrlrrllrrL11111Lrrll 4003442572611450 25 7086740181001358000 Account Number: 4003-4425-7261-1450 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address @ #9033134942915579# MAIL ID NUMBER EVIE GONZALEZ 596 CUMBERLAND POINTE CIR MECHANICSBURG, PA 17055-5456 III III III l l l n II l,LI 11111 Isla It r l l It l x111 x1111, x111 II l ter Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. EVIE GONZALEZ 1. Now to Avoid a Finance Charge. t a. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance interstate, new specal purchases and new other changes fi you pay your tote "Now Balances, In accordance with the Important Notice for payments below, and In time for It to be credited by your payment due date. Them Is no grace period on cash advances and special transfers. In addition, there Is no grace period on any transaction B you do not pay the total *New balance.' b. Accruing Finance Charge. Transactions which are not subject to a grace period are ameseed finance charge 1) from the dam of the transaction or 2) from the dale the uarhasction is processed to your Amount or 3) from the First calendar day of the current being period. Additionally, a you did not pay am 'New Balances (ran the previous being period in full, finance merges continue to accrue to your unpaid W4ncs unfit he unpaid balance is paid in lull. This means that you may std owe finance charges, even N you pay the entke New Balance Indicated on the front of your statement by the payment due date, but dd not do so for the previous month. Unpaid finance charges are added to On applicable segment of your Account t c. Agntrmust FYmce Charge. Far each billing period that your amount Is sua)act to a Imance charge, a rhiNmum total FINANCE CHARGE or 50.50 will be imposed. t d. Temporary Reduction In Finuhce Charge. We reserve the right to not assess any or all finance charges far any given biing period. 2. Avenge Daily Balance (Including Now, Purchases). Finance charge is aWaated by multiplying the daily balance of each segment of your account (e.g., ash advance, purchase. ePecel transfer. and special pumase) by lea corresponding dairy periodic con(s) that has been previously disclosed to you. At the and of each day during the bWng period, we apply the dally periodic ram for each segment of your account to the dally balance of each segment Than at the end of the billing period, we add up the results of these daily calculations to arrive at your periodic finumos charge for each segment. We add up the results from each segment to artlw al the total periodic Wane charge for you armlet To get the daily balance for each segment of your account we tale the beginning balenes for each segment and add any new transactions and any periodic finance charge calculared on Me previous days belanoe for that segment. We in. subtract any posymerm or credits posted m of that day that aka allocated to tot segment. Thin It as us the separate doily balance fa each segment of you account. However, If you paid the New Balance shown on your previous statement In ful (m a your new balance was zero or a credit amount), new banaectlwu, which post to your purchase or special purchase segments are not added to the dally balance. We calculate, the average dally balance by adding all the dally baarhces together and di vi6ng the sum by the number of the days in the current billing cycle. To calculate your total finance charge, multiply your average daily balance by the daily periodic rate and by the number of days in the biting period. Due to minding on a dally bask a due to minimum finance charge assessment, there may be a variance between this calculation and the -rd of finance marg. actually assessed. 3. Annual Percentage Ran. (APR). a. The term 'Annual Percentage Rate" may appear as 'APR" on the front of this statement. Is. If the code P (Ouadedy Pdma), L (Quart" LIBOR), C (Quarterly CD), or S (Bmkmrd Prime) appears an the front of this statement next to the periodic ram(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very quarterly and may irrzwse or decrease based en the stead indices, m hound in The Well Street Journal, plus he margin previously disclosed 1. you. These dhwges wig be effective an the first day of your boiling period covered by your periodic cabmen ending In the months of January, April, Judy and October. o. If the cads D (Months Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement rest to the periodic tam(s), the periodic rates and mnwpend.g ANNUAL PERCENTAGE RATES may vary monthly and may ihcree.e or deaame based an the stated indices, w found M The Wall Street Journal, plus the margin previously disclosed to you. These changes wgl be alfectlve on the first day of your bging period cram month. 4. Aueaament of Lan. Ovadimh and Returned Payment Fees. Under the terms of your customer agreement hve reserve the right to waive a not to assess any lose without prior notifiallot to you without watdng ourright to assess the sameor similerfew are tatertime. t 5. Renewing tar Account If e membership tae appears on the front of your statement, you have 30 days from the dam this statement was mailed to you to avold paying the fee or to how such fee credited to you it you cancel your amount witlcut having to pay the membership fee. To card your arrant, you must notify us by aang our Customer Read- Department and pay your'New Balance' n full (excluding the membership fee) prior to the end of the thirty-day period. 6. If You Close Your Account. You can request its dose your account by calling our Customer Relations Department. You must destroy your cmdh card(s) and account saws checks, anal erg preauthodzed billing and cease using your account. After your request to close, if you continue to transact or do not canal preeWcrized billing arrangements, we "I co sMer receipt of a wage your authorization c keep your account open. Additionally, your account will not be closed unfit you pay all amounts you owe us including: my transactions you have authorized, finance charges, past due fees, wadma fees, mounted payment fees, cash advance few and any other fees assessed to your account You am responsible far these amount. whether they appear en your account at the time you request to dose ten account or they am khcuned subsequent to you request a dose the account. This may moult in charges appearing an your account after you have requested the account to be closed. 7. Using Your Account. Your card or amount cannot be used in connection with any Internet gambling Ineasectials. S. Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-lime elecronlc fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be wladmwn from your bank account as soon m the same day we moolve your payment, and you will not receive your check back from your financial Instlfution. BILLING RIGHTS SUMMARY (In Case of Enos or Questions about Your Big) If you think you bill is wrong, or If you need more Information on e transaction or bill, write to us an a separate sheet as soon as possible at the address for inquiries shown on the front of this statement. We most hear from you no later than 60 days after we sent you the first big on which the error or problem appeared. You can call our Customer Reation& number, but doing so will not preserve your rights. In your letter, give us the following Information: your name and amount number, the dollar amount of the suspected error, a description of the wor and an explanation. If gamble, of why you bellow there is an error; or If you need moro information, is description of the it.. you ere unsure about You do not have to pay any amount in question while we are investigating ft, but you are Bull obligated to pay the pads of your bill that am not In question. While we Investigate your question, we cannot report you as delinquent or take any action In collect the amount you question. t, i Special Rua for Credit Card Purchases If you he" a problem with the quality of property or services that you purchased with a credit card and you he" tried in good faith to correct the problem with the merchant you may have the right not to pay the remaining amount due on the property or mund es. You have this protection only when the purchase price was mom than $50.00 and the purchase was merle In your home sate or within 100 miles of your mailing address. (If we own or operate the merchant, a N we mailed you the advertisement for the property a serAces, all purchases are covered regardless of amount a location of purchase.) Please remember to sign all correspondence. t Does not apply to consumer non-credo card accounts j Doan not apply to business noncredit card ec 1. Capital One supports information privacy protection: see our websfte at www.caot abne.mm. Capital One Is a federally registered service mark of Capital One Financial Corporation. AN rights reserved. ® 200B Capital One TC-08 01 DM6056 .1 - 04110107 Important Notice Paymen , you mail to us will be credited to you account as of the business day we receive It, provided (1) you send the bodom portion of the statement and your deck in the endured ma dianm envelope and (2) your payment is mourned in our processing center by 3 p.m. ET (12 noon PI). Plesss slow at bast Me S) ns rouu days forportal denary. Payrtente received by us at arty other Iecation or in any other farm may not be aedged as of the day we remNe tlarn. Our business days are Monday through Saturday, excluding holidays. Pam do not use staples, paper clips, etc. when preparing your payment. r-j ., a CAPITAL ONE BANK(USA) O IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA Plaintiff V. EVIE GONZALEZ, No. 08 - 5845 - Civil Term CIVIL ACTION - LAW Defendant PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED MWLAINT AND NOW, comes the Defendant, Evie Gonzalez, by and through her legal counsel, MidPenn Legal Services, and files these PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT, and in support thereof avers the following: 1. Plaintiff is Capital One Bank (USA), N.A. 2. Defendant is Evie Gonzalez (hereinafter "Defendant"). 3. Plaintiff filed its complaint on October 1, 2008. 4. Defendant filed Preliminary Objections on October 23, 2008. 5. Plaintiff filed an Amended Complaint on or about March 11, 2009. 6. Plaintiff claims that it is owed a balance on account for $7, 287.27 for use of its credit card, plus attorney fees and costs. PRELIMINARY OBJECTION PURSUANT TO PA. R.C. P. No. 1028(a) (4)) (Demurrer) 7. Paragraphs 1 through 6 of Defendant's Preliminary Objections are hereby incorporated by reference hereto. 8. Plaintiff does not allege that there was any agreement between the Plaintiff and the Defendant, merely a "book account." 9. Absent such an allegation, Plaintiff fails to adequately state a cause of action. 10. Plaintiff alleges there was an "account stated" for the amount due, but fails to attach any agreement by the Defendant to pay the account at any given time. 11. Absent such an agreement, Plaintiff fails to adequately state a cause of action. 12. Plaintiff attaches twelve (12) billing statements as evidence of goods or services delivered (Exhibit "A"), but said attachments begin with a balance of $2,584.32 without explanation . 13. Absent such an explanation as to how Defendant was enriched by the use of Plaintiff's credit, Plaintiff's complaint fails to state a cause of action. WHEREFORE, Defendant prays that Plaintiff's Complaint be dismissed with prejudice for failure to state a cause of action. PRELIMINARY OBJECTION PURSUANT TO PA. R. C. P. No. 1028(a)(3) (INSUFFICIENT SPECIFICITY IN A PLEADING) FOR FAILURE TO PROPERLY PLEAD ITEMS OR TIME, PLACE AND SPECIAL DAMAGES 14. Paragraphs 1 through 13 of Defendant's Preliminary Objections are hereby incorporated as if fully set forth herein. 15. Plaintiff claims that it is owed a balance of an account in the amount of $7,287.27 yet attaches only twelve (12) billing statements in support thereof . 16.Plaintiff fails to sufficiently specify the type and/or amount of the alleged debt owed, including the amounts and dates of the alleged charges, the amounts and dates of any payments made, the amounts and dates of any interest charges, and the amounts and dates of any other charges, particularly with the beginning balance of $2, 584.32. 17. Pa. R. C. P. No.1019(f) requires that averments of time, place and special damages shall be specifically stated. 18. Plaintiff's general assertion of damages therefore is in violation of Pa. R. C. P. No.1019(f) and renders Defendant unable to properly defend this action. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff's Complaint with prejudice for insufficient specificity in a pleading. PRELIMINARY OBJECTION PURSUANT TO PA. R. C. P.No.1028(a)(2) and No.1019(i)(FAILURE OF PLEADING TO CONFORM TO LAW Oft RULE OF COURT) FOR FAILURE TO ATTACH A WRITING 19.Paragraphs 1 through 18 of Defendant's Preliminary Objections are hereby incorporated as if fully set forth herein. 20.Plaintiff bases its claims against Defendant on a "book account" for a credit card between Defendant and Plaintiff. 21.Plaintiff has failed to attach any credit agreements made or signed by Defendant. 22.Pursuant to Pa.R.C. P.No. 1019(1), when a claim is based upon a writing, the pleader must attach a copy of that writing or provide explanation for its absence. 23.To the extent that any credit agreements between Defendant and Plaintiff are written, Plaintiff's Complaint fails to comply with Pa. R. C. P. No. 1019(i) in that Plaintiff has failed to attach to its Complaint a copy of any such written agreements or any explanation for the absence thereof. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff's Complaint with prejudice for failure to conform to a law or rule of court. ,, Respectfully submitted, ??,p0 9 Date 1 7 3 MidPenn Legal Services By: Geoffrey Biringer 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 CERTIFICATE OF SERVICE I, Geoffrey M. Biringer, being a member in good standing of the Bar of Pennsylvania, hereby certify that I served a true and correct copy of the foregoing Preliminary Objections to Plaintiff's Amended Complaint on this 27th day of March, 2009, by placing same in the United States mail, first class, postage prepaid, addressed as follows: Paul J. Klemm, Esquire 425 Eagle Rock Avenue, Ste.403 Roseland, NJ 07068 By: eoffrey M. Biringer Attorney for the Defendant 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 Supreme Court ID#18040 _z °t