The URL can be used to link to this page

Home My WebLink About09-0034IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNS~LV':ANIA . <ii~Ctt)G' ,~ CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. ANNIE A KROL-KNIGHT Defendant(s) No. 09 _ oos~ Civil Tee COMPLAINT IN CIVIL ACTION Filed on behalf of: CAPITAL ONE BANK (U.S.A.), ~. ~, , ,, N.A. ;y t: . ;r ;l~;i("-~il~ Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 .. ; PF_PA_11 Cmplt Cvr Sht P&F File No. 08-63887 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. ~~ Plaintiff v. ANNIE A KROL-KNIGHT Defendant(s) , NO. You have been sued in Court. If you wish to defend against Usted ha sido demandado en corte. Si usted desea defenderse the claims set forth in the following pages, you must take de las demandas que se presentan mss adelante en las action within TWENTY (20) DAYS after this Complaint and siguientes paginas, debe tomar accion dentro de los proximos notice are served, by entering a written appearance personplly veinte (20) dial despues de la notificacion de esta Demands y or by an attorney, and filing in writing with the Court your Aviso radicando personalmente o por medio de un abogado defenses or objections to the claims set forth against you. You tuna comparecencia escrita y radicando en la Corte por escrito are warned that if you fail to do so the case may proceed sus defenses de, y objecciones a, las demandas presentadas without you and a judgment may be entered against you;by the aqui en contra suya. Se le advierte de que si usted fall de court without further notice for any money claimed in the tomar accion Como se describe anterionmente, el caso pude Complaint or for any other claim or relief requested by the proceder sin usted y un fallo por cualquier sums de dinero Plaintiff. You may lose money or property or other rights reclamada en la demands o cualquier reclamacion o remedio important to you. solicitado por el demandante puede ser dictado en contra suya por la Corte sin mss aviso adicional. Usted puede perder dinero o propiedad au otros derechos importantes pare usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER USTED DEBE LLEVAR ESTE DOCUMENTO A SU AT ONCE.IF YOU DO NOT HAVE A LAWYER GO TO OR ABOGADO INMEDIATAMENTE. SI USTED NO TIENE TELEPHONE THE OFFICE SET FORTH BELOW. THIS UN ABOGADO, LLAME O VAYA A LA SIGUENTE OFFICE CAN PROVIDE YOU WITH INFORMATION ,OFI;CINA. ESTA OFICINA PUEDE PROVEERLE ABOUT HIRING A LAWYER f ; ;, ,, INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION ,, ~~' 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 u ~ ,, ~,~ : a SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER iNFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY BAR . ASSOCIATION ~~ ~~ 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 PA_21Notice to Defend P&F File No. 08-63887 s J~t~ ,t m tF , .~ . , ~,(? ;, ; , ' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. ANNIE A KROL-KNIGHT Defendant(s) NO. AND NOW, comes Plaintiff, CAPITAIr ONE BANK (U.S.A.), N.A. , by and through its attorney, GREGG MORRIS, ESQUIRE and the;law offices of PATENAUDE &FELIX, A.P.C. and files the following Complaint in Civil Action, and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A. , is a corporation and for the purpose of this litigation, maintaining a place of business c/o PATENAUDE AND FELIX, A.P.C., 213 East Main St Carnegie, Pennsylvania 15106. 2. Defendant is ANNIE A KRQL-KNIGHT, an adult individual, believed to currently reside at 71 SHERWOOD CIR ENOLA, PA 17025-1838. 3. Heretofore, the Defendant(s) opened a account with Plaintiff being Account No. 5291152027487301, for the purchase of good and services. 4. The Defendant(s) has/have mace or authorized a number of purchases and as of August 02, 2007, Defendant(s) owes $777.62 ofrilsaid account plus interest at 28.10 %. 5. Plaintiff maintains accurate books of account recording all credits and debits for this account. ~t~y~ PA_OS Civil Cmplt Crdt Crd P&F File No. 08-63887 ' 6. The Defendant(s) have/has received monthly billing statements from Plaintiff setting forth the nature and amount of all chazges made by Defendant(s), and the transactions between Plaintiff and Defendants ive rise town account stated, upon which Plaintiff has relied. O g~ ,~~~~A 7. The Defendant(s) made payments, but have/has refused to pay, and now refuses to pay the balance due and owing on the aforesaid account in the sum of $777.62, plus interest and costs. 8. By failing to object or dispute the statements, Defendant(s) have/has assented to and agreed to the correctness of the balance' due on the credit cazd account so as to constitute and account stated. 9. Despite repeated demands, Defendant(s) have/has failed to make the required installment payments when due and therefore the full amount of the account is now due and payable. v a7 AT! , . i ; "~ (' .~. .... . ~. ~ L .. .\ ~„ i~ at _ ii PA_OS Civil Cmplt Crdt Crd P&F File No. 08-63887 :.. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the amount of $777.62, plus interest as set forth herein from the date of breach, with continuing interest at the legal rate thereon from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respect lly ubmitted: ~; Patena de & ix, A.P.C. Date: December O1, 2008 G L. orris, Esquire 2 3 in Street eg' , PA 15106 41) 9-7675 . ;,~,~~' F `'4 J. . PA_OS Civil Cmplt Crdt Crd P&F File No. 08-63887 The undersigned, Gregg L. Morris, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed the verification at the request of Plaintiff as a matter of time and convenience. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the foregoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff agrees: to provide a verification signed by Plaintiff upon request by Defendant. The statements are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. ,.. Date: December O 1, 2008 ~ ~'~'r'` Gr gg orris, Esquire P ena e & Felix, A.P.C. 2 3 E. Main Street C egie, PA 15106 (4 2) 429-7675 ti-lees ~~~ 4 r,,, PA_O1 Atty Verification P&F File No. 08-63887 [~ ^' ~. ~ ~~ - ~fA- `~' ~ ~ ' ~~ r ~ _r ( t9 ~ 4~ _ ~ X D ~ ~ t`Il 31 ~- ~ ~a ~ ~ n; -~ ~~ _, GREGG L. MORRIS, ESQ. PATENAUDE & FELIX, A.P.C. 213 E. MAIN STREET CARNEGIE, PA 1~ 5106 (412)429-7679 FACSIMILE (412) 429-7679 PA ID #69006 t' ; c ~~ ~ - _.,-,: :<.. s 2~i0,~ t `~:~ ~. ~;~ t, C c; y . PN13 G ~ ~ _:rl,~,~/ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff NO. 2009-00034 v. ANNIE A KROL-KNIGHT Defendant(s) PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT Filed on behalf of: CAPITAL ONE BANK (tJ.S.A.), N.A. ,Plaintiff Counsel of Record for This Party: You are hereby notified to file a written re nse within the time provided the Rules of Civil Procedure or a jud n ray b~ entered against you. Gregg L. Morns, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA_57 Mtn SumJgmt P&F File No. 08-63887 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. ANNIE A KROL-KNIGHT Defendant(s) PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT NO. 2009-00034 AND NOW, comes Plaintiff, above named, by and through the undersigned counsel, and request this Court to enter an Order for Summary Judgment pursuant to Pa.R.C.P.1035.1 and in support thereof, aver as follows: 1. Plaintiff filed this civil action to recover $777.62 plus interest and costs due as a result of Defendant's default of a credit card account. A copy of the Complaint in Civil Action is attached hereto as Plaintiff s Exhibit "A" and is incorporated herein by reference. 2. Defendant, ANNIE A KROL-KNIGHT was served on January 08, 2009, and filed an Answer to the Complaint on in which Defendant either admits or generally denies the allegation of the Complaint. A copy of Defendant's Answer is attached hereto as Plaintiffs Exhibit "B" and in incorporated herein by reference. 3. A general denial or a demand for proof has the effect of an admission. Pa.R.C.P. 1029. 4. Plaintiffs counsel sent Request for Admissions Addressed to Defendant for filing. A copy of the Request for Admissions are attached hereto collectively referred to as Plaintiff s Exhibit "C" and incorporated herein by reference. PA_57 Mtn SumJgmt P&cF File No. 08-63887 5. As of this date, Defendant has failed to respond to the Request for Admissions, and the matters contained therein are therefore deemed to have been admitted. Pa.R.C.P. 4014(b). WHEREFORE, Plaintiff respectfully request the Court to enter the Order attached hereto along with any additional relief the Court deems appropriate under the circumstances. PA_57 Mtn Sum Jgmt PBcF File No. 08-63887 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. ANNIE A KROL-KNIGHT Defendant(s) NOTICE TO DEFEND You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within TWENTY (20) DAYS after this Complaint and notice are served, by entering a written appearance personally or by an attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff: You may lose money or property or other rights important to you. NO. Usted ha sido demandado en cone. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar action dentro de los proximos veinte (20) dial despues de la notification de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar action como se describe anteriormente, el caso pude proceder sin usted y un fallo por cualquier soma de dinero reclamada en la demanda o cualquier reclamation o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au ottos derechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 7°17-249-3166 USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUENTE OFICINA. E5TA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 PA 21Notice to Defend P&F File No. 08-63887 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. ANNIE A KROL-KNIGHT Defendant(s) COMPLAINT IN CIVI AC'TTnN NO. AND NOW, comes Plaintiff, CAPITAL ONE BANK (LT.S.A.), N.A. , by and through its attorney, GREGG MORRIS, ESQUIRE and the law offices of PATENAUDE &FELIX, A.P.C. and files the following Complaint in Civil Action, and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (IJ.S.A.), N.A. , is a corporation and for the purpose of this litigation, maintaining a place of business c/o PATENAUDE AND FELIX, A.P.C., 213 East Main St Carnegie, Pennsylvania 15106. 2. Defendant is ANNIE A KROL-KNIGHT, an adult individual, believed to currently reside at 71 SHERWOOD CIR ENOLA, PA 17025-1838. 3. Heretofore, the Defendant(s) opened a account with Plaintiff being Account No. 5291152027487301, for the purchase of good and services. 4. The Defendant(s) has/have made or authorized a number of purchases and as of August 02, 2007, Defendant(s) owes $777.62 on said account plus interest at 28.10 %. 5. Plaintiffmaintains accurate books of account recording all credits and debits for this account. PA_OS Civil Cmplt Crdt Crd P&F File No. 08-63887 6. The Defendant(s) have/has received monthly billing statements from Plaintiff setting forth the nature and amount of all charges made by Defendant(s), and the transactions between Plaintiff and Defendant(s) give rise to an account stated, upon which Plaintiff has relied. 7. The Defendant(s) made payments, but have/has refused to pay, and now refuses to pay the balance due and owing on the aforesaid account in the sum of $777.62, plus interest and costs. 8. By failing to object or dispute the statements, Defendant(s) have/has assented to and agreed to the correctness of the balance due on the credit card account so as to constitute and account stated. 9. Despite repeated demands, Defendant(s) have/has failed to make the required installment payments when due and therefore the full amount of the account is now due and payable. PA_OS Civil Cmplt Crdt Crd P&F File No. 08-63887 WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the amount of $777.62, plus interest as set forth herein from the date of breach, with continuing interest at the legal rate thereon from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respectfully submitted: Patenaude & Felix, A.P.C. Date: December O1, 2008 Gregg L. Morris, Esquire 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA_OS Civil Cmplt Crdt Crd P&F File No. 08-63887 VERIFICATION The undersigned, Gregg L. Morns, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed the verification at the request of Plaintiff as a matter of time and convenience. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the foregoing pleading.. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The statements are made subject to the penalties of 18 Pa.C.S. Section 4904, relaying to unsworn falsification to authorities. Date: December Ol, 2008 ~1 Gregg L. Morns, Esquire Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA_01 Atty Verification P&F File No. 08-63887 v ~• Complaint in Civil Action Docket No. 2009-00034 ~S~.,G(~ Capital One Bank (LISA) ~~. An^~n IC•rol•Mn,r~y~ 1. Plaintiff, Capital One Bank (USA) is a corporation and for litigation, maintaining a place of business c% Patenaude an tree 2. Defendant is Annie Krol-knight, and adult individual, beli at 71 Sherwood Circle, Enola, PA 17025 true 3. Heretofore, the defendant opened an account with Plaintiff 5291-1520-2748-7301, for the purchase of goods and servi~ true 4. The defendant has/have made or authorized a number of ~ August 2, 2007, defendant owes 5777.32 on said account he purpose of Felix. to currently reside account No. ases and as of interest at 28.10%. Denied Account amount is not correct and is lieved to have been over inflated This is also in another case as mari debt 5. Plaintiff maintains accurate books of account recordings this account. Denied Not sure of accounting accuracy 6. The defendant have/l~as received monthly billing stateme~ forth the nature and amount of ail charges made by defen between plaintiff and defendant(s) give rise to an account plaintiff has relied. Denied Have not received any bills for a . credits and debits for from plaintiff setting ~ aad the transactions ~ted, upon which period of time o$-b38ss~ r '. 2 7. The defendant(s) made payments, but have/hu refused to p pay the balance dce and owing the aforesaid acxount in the interest and costs. ~, and now refuses to ~m of $777.62, plus Trae in put, false in part Have made payments for quite some ' e but then disabilities became a factor income reduced 8. By failing to object or dispute the statements, defendant ha eihas assented to and agreed to the correctness of the balance due on the credit account. so as to constitute and account stated. False Am raising my objections Hearing date was unclear and Burg was scheduled 9. 9. Despite repeated demands, defendant has/have failed to a the required installment payments when due and therefore the full amo t of the account is now due and payable. Denies Have not been contacted by phone or in form of bills Cannot believe creditor would be insensitive to harass a disabled person with limi means of income ~ ~ ~ 3 Verification The undersigned, Annie A. Krol-knight, hereby states that she is action and verifies that the statements made in the foregoing plea to the best of her knowledge, information and belief. There is a i large of a sum. Date: February 9, 2009 Annie A. Krol 71 Sherwood Enola, PA defendant in this ~g are true and correct owed but not that Q d ~ ~ ~, r ~`ti ~' ~ ~'~:" ~r' - ~ _ ~ ~ btu L I~ ~ _~ _ O 0 f ~ ~ .~ ~~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. ANNIE A KROL-KNIGHT Defendant(s) NO. 2009-00034 PLAINTIFF'S REQUEST FOR ADMISSIONS ADDRESSED TO DEFENDANT ANNIE A KROL-KNIGHT You are hereby requested to admit the following, for the purposes of this action only, pursuant to the Rules of Civil Procedure. You are directed to file a sworn answer to this request in compliance with the Rules of Civil Procedure within thirty (30) days after service of this document. 1. The Plaintiff is as identified in the caption of the Complaint in Civil Action filed at the above number and term and incorporated herein by reference. 2. The Defendant is as set forth in caption of the Complaint in Civil Action incorporated herein by reference. 3. Defendant applied for and opened an account with Plaintiff, being Account No. 5291152027487301 (hereinafter "Account") for the purchase of goods and services. 4. The Defendant authorized the purchase of various item(s) of personal property, service(s) or item(s) of merchandise. 5. Defendant received the item(s) of personal property, service(s) or item(s) of PA_70 Req Adm CC D1 P&F File No. 08-63887 merchandise as set forth in the billing statements attached hereto as Plaintiff s Exhibit "A" and incorporated herein by reference. 6. The credits or prices charged by Plaintiff were those which Defendant agreed to pay. 7. The credits or prices charged by Plaintiff were fair, reasonable and market prices for the item(s) or services at the time they were delivered or received by Defendant. 8. There remains an unpaid balance due on the Account. 9. Defendant, received monthly billing statements from Plaintiff. 10. Defendant retained those statements without objection, and made payments to Plaintiff. 11. The unpaid balance due is as more fully set forth in the prayer of the Complaint in Civil Action which has been incorporated herein by reference. Respectfully ub fitted: Patenaude e , A.P.C. Date: August 17, 2009 Gregg . Mo 's, Esquire 213 E. ai treet Carne ' , A 15106 (412) 4 9 675 PA_70 Req Adm CC D1 P&F File No. 08-63887 C3pitatlQ~° ~ what's in yaurwallet?` ANNIE A KR©L-KNIGHT TAKE Ct7-NTRQ! t~F 1(+QUR CAPITA! QNE~ °~ ACCt3UN"I" AND KEEP I"I` FROM BEING PERMANENTLY UNUSABlEa Vtle're here to help. You can regain your charging privileges and bring your account back into goad standing by paying the amount due an your statement. Let's work together to bring your account back to good standing. Yau can make a payment with our ~~. check by phone service or speak to an associate by calling 1.800.955.~f>00. t~ ,2(~tpG (: r~iita! t7rtc Serl,xcrs; .lire. C.rsyitrcl Osrr is rt j~rlcrr!!y rrgrsrc nd strrirr +raark. ,•l tl rrghcs r!•r n:.xl. O"~s-07754 Aaooaxrtt 9utxxxxxnn I?'reviooxr Bala€u:c 68~5.3fi P:x}rmc:ztas Creditsrxnd Adjxtst:mrtrla 5.00 Trrtna€u7:iotu $36.47 F"nvtnr~c Ch:xrges 320.7Cs New I.ird~tncc 6453.09 :Alini€tstt€zz .1EZUxmc :[Jane 6124.OA }~:xytnent :IJexe I)erte Auph>at 23, 20Ati 7'oful C.te~d& 1_.IEIe 6g,~j 7"old tltraulalilc Crcclit 6,~j Crud"N: LSne iiv C;aah 6400 Available Credit liar Cash 6.OU At trout scrvlce Ta stl Cus4onaer I2elntisvas uc 1.~~0-~~~~~w7 w aepart n tryst ar snilar runt: Fx fioe online a •cawrt sexviee and nQcisl custaora r .affvs, L>g un fsx w~aw..ztFitaknar_ tau Sand pa}r..carta t..e Sr„d.'uryuvi.>r ace A{tar: I2rsaritmr€ar. Pwcvsing~ Catsrrt One I3aarf: Gupiislt One pa. I~ur arwztb r.o. II r sozxs G. l.,tds, A:TO ti3t7H-tL2t6 GI.C`, Ur SW'L'SO-at£t5 Fnq~ortant :~ebOtlnt lnformatiotx Take exvntreil rind slart. pp.tt~}vtg y~ntr 1ix11 oEiliiu fear frrr. Clixniszrri~e the Lzassle of~wrxtingchcx3:sr IiauLirzg st:xmp; oral sralitzg entrelope~ L%ua}~tizing yinx need. ix~ ruxcss, mvicw, and pay ytat.Er 1»it is.,,a.s,u1ilsatile online. Chtr xvebsrtr r~rexs a^att a canveetient~ r5mplea rand txscxxre tv.tp to mannge j+cntr suro[xnt. Visit: wwu•.rsepitalone.natrz raid reprinter yr~„Y acrotant to start: simplifying ~ms• liFe t<xlxg-0 PI.A'1'L NLrM 1~IAS"1"EItCAKll AC. C OLJN"C J [J?V 24 - JLJ:I.23, 2;.lAti 5291-I5~0-y7.1R-73A] Prxgc l of 1 Yay-menxs, Credits atxd Adjustments ~rBxxNNCC!tiORa 1 23 Jl1L PA~.C DIJE FFF; 324.i1U 2 23 JUL. PAYMEN.1' PRCyi'FC"PION I-888-527-ti904 7,q~ "Your account is 9f1 daps pus[ due and jaaEU I ayrnent F?rntec€inn sewerage Ivxs laeen suspended. t1s maned in jw~tar Isaprnenr R•orer~ion agreement, }rc+ur coverage and n:onrhfp clzargr will be rrinatared once Yotn' asnunr is no longer'.)A days past due. You Enuy still be eligible f'or benefits to be paid ro your account. in axaes nF disability, teneneplo~anent, and de;trh_ Call Consumer Membership Sen~ces ar I-888-527-b4u4 rca see ifyt:ur situari.an qualifies few a chum. I'nu're beltirxi by fi•,ttr prajanenta. Yrrtz still €:tn'r rr,rtlce ant' atewu prachwes .rr c;-ash rarlvxsuea an jK ur rxc•.ccunt. llsu jKZn can still re~aist jrortr s barging pri~ilcges rand bring ycnar atz-ount bnclc imc? g€.txl. ar anrlin by paifing the amnnstt dsu: an j'sur sYaCenuur. sv€thin tLatt Here ail da}~€_ linlen~cuute]y, iFxc dirri r tees^ivx x suf7ic_urnt~ pajanent', aa•e sasaj• haver, tr, pernxaneotty s€t•yaenrl jr~ttr r-kxr~+iztt{ prin~legrs. ':Need Lae}p? t iz+.• nu a call at 1.!?i7f5.95.5.fibf)i7. 4Vc=71 tv:at•k togrrlacr so see w}utt' {arts rptians arc ra rcbt€ild ynur a.:aasuac srxtus. Yau were assessed a pam due fen of 624.00 nn 07JZ3f2006 bacauae yexur mitianxnz pajanenr xas not received by the dtte date of ti7?227at706. "I'o nmid this fey, in the fimara, we reco.mmmd char }atu allow at ]earl 7 beuiness days Far yrnar paymrnc m reach Capitrd One. Fxrtn nCC '41 W S~C~S ~ a•.tP.fM Tr!4•PY.fJ ttlf'~1I )MIfMT/6J)!t ! H~M'lltwif lOR 6aimalvt Pniodis Carer{msEilX lit ~+ ~ ' ~ +v+at>ed:n rntr ~dP/t CF-IA F sI Pi.fRCIIA.SF.S S+ga4,•Li ,p7erWnSL 17.9046. S1tz 7ti C,r18N f.00 . .071.44!+417 27.S~daB tF.QO ANNI)A.t.,1~1RC:f;N'TAGF: RA'I FspltLiexl this pcrind 27.9096 ~ PI_LiASt Ctti"IT;JIfN t'OR7"IO[~9:f3fIL(JW Wt'Tl-I I?AY411[~F'I' ~ "~`""~i~~' 0000000 0 529115202748730'1 23 0953090025000124000 Pica„pint Has:/ixg~ a.JnYrxr .rw.f~a ,wxn:i rlvrcgRS drkm ur:ag balm er bincF ivlk. New l3alancx 395'3 04 MininEUnt Amoxmr Dur. 3124 00 sua,a ~;t e Pnymenc lhsc 13;rtr Attggas:f:23, 2;'X)Ci ~~ ~ it 5tsu TF "I'ot:al endnsed S m Dt:nix< A.a.:n.c ....,ir< Aaoun.t Number: 5147-t S20-2748-730I .....:.n A,sac.,a, rs~ ii902{)~l`]~c398125128A M}IZI, TL' IvCJMfi£.?,R C~Iiitr~l One Sank ~ fsNNIE; A KROt,-KIS~GH'#' p'.O. Brax 79fl216 ~s~~s~~s~s~n~~st~t~s~ ~ ~s 7I raHE:Rtsrt,Gt.1 CIIi Sa. Lt~uis, 1.6b 631i~-0216 ~ ~ ENOI,A 1>A. 17025-1.838 ~ ~~~{~ lsllnnllun~~lu~~~t~ul~un~~s~ut~~~~~u~n~~~~h~~~~~~~ ' ~us~~~su~~~nus~s~s~sinu~~~n~su~~s~u~~ ale 1 Hlexro sc•rife_y+mv mrottut rtsulsi'scr o>ryourrr rhw:& ar mrntev crra4:rr arepd..•~eyvfifr !a C;a~ri><u! f)rtr.8mee ox.! mnil ire [tr craztararlena o N~ d~ YYY~ Y~ u OS I+t g -t'n. Orww -arbd. Yoar wQ Evrw A mkrhrrarn g1%aie pedard O) 16 days without Rna nee sharps on new puechesaw, new bakrtca tnnsien, now spwciN pWdra aaa antl now mhur chergor if ypl ppaY Your tour) 'Now BNettco". in accordance Wth the Mpdtam Nance for pwyritsntr helow. Amt In efiui Fm it to be enditwl by goon ne# rtatemerrt rinsing date. Tharo Is no gees paled art ash advrm%ra red speatal tuna/arr. In addition, thsro k tw ynca podod n Any uwnra rtbn It you do nor pry tlro totN Naw bale nce." b. 0.onWp Fkratea Cfiape. 'Fronrrcdurs vMich an rot sed>iaet to r gnca pwdod arc Arautled fhnrrx:o chnrgn 1I from tM don of the tranuctlon or 1y tram rtes Wte the nAtwACtfon k ptarceaand to your Accaum or 3) Iron[ ttm der cAlendar day of rho rurmd pNMrtg pedal. AAdtlarrYy. Ii you Arid not pay the 'New BAlartce" from the proviwla tdYhg perbrl In fWi, treanee charypa conrlrrlw to ACI:nY! to grout unpa)d bola Arse until tine unpNd bNmce k paitl in tali. 't'hin maser drat you mayy rtYl owe dnrnca chwpas, ewe N you pAy lfio mtira Now BNarroa hydiaetod on rho tram o} your netemrnt by Una rw# wtatomam cbNnq data. 6W OM rrat r1o ew foe the provkxm mamh. Wtprkl Rrmncr cl%rryas are rddoal to tlro a cAWr ragman of yoW Account. 't a_ NYrdrtwrtm Fbsna. ~.. For each bWrYl peYad [drat your Aeetxxx is eat to a iktarres charge, a minirnunt total FINMNCE ('.XfA E of i0.60 will W Irrvowsd. If the total ilnanco crwrge torWting ham xM a aortae of War Irododa ntadN iw laww thin 00.6Q, wo w I suttract that amount ham tlro eD.60 mlNmum and the ditArenco wNl bo biMad to the Wrchare uy moat <d your actNwm. 'r d. TMaepu>ry RrtlrNlen Irt Felnap C7rn0e. We rowrw the dyt% to eat arrerr etry d ad Rnarran cla rgea far alY given rarrrOi baby Brlwroa Ileohdbo Nrw Ruralwaa). Firrerttoo dutgo hr caktulated y nndtlpigrq tine WNy hxlaxa o1 oeolr wot)msn of Your accaamt to. q., arrh advwnca. poncho re. apeclN irotulw, red apoclal purchase) by the corror)tatdktq <lN1Y iNmadfc ntota) Ihet had team p ravlwNY dbrbsoH to gar. At ill srM aF as ch daY du ring the WINny pad rut, wa apply the dNW pedtNlie me Fur each sagntom a1 Your accaum to ttm drUyy bNrnoa m ea dr segment. Than at the roll of the hiNrrq period. vye add up rho ratan u1 tlwre daYy calcubtlorac to ardor at ur pcdodc trrn nce oho rgA far oach wagmorrL We AcRd itp tiro rorulu from roach wgrrtrm to aniva at the trial porlodic dnnrN:o athe rqe For taw necoenY. 'i'o riot eho dollyy 6Nnnre br roach oagmwm of Your Account, wo take the bagtnnhtq Gala tree for each raymeru arrd atld atry nsw trrrtractions and Ally {{rndardo dreanaw cfury)a aalcuhrtlaf an tlro provlorw de y'r Ea lanco for that twgrnrnt. Wo thsn subtract any pa yntama or croditr pored ar of that dry Ifiot era alltrcatod to thm depnonr.. 7hle Ylwa un rho sapernts doily Nakncw tar each sagmerrr of you aax:olnt. Navwvor, IF you ppaltl the Naw Italwrn:a ahawn on your gatdoew Natamnnt in hlA tar If yarn new brYartcw vNt• tore d ^ creallt amoant). now trrnucd one wlddr port to Your parduu or spacial patrchnu roam rntr An rrtx Added xa tlrv a1N IV balanenr. We cabWate the average tally 6alahtra by •ddMq all the dNly Gala rrcor togwthd and advltlirrq rho rum by dw number of thm Jaya let 1Fta currant Mllktg cycb. To col ndntn your trial ileanc~ chsrgo, multiply your averal7e daly bakrrce by the rlAilY WuirMic ran and by the wmher of dnyw in tiro bUlinq pwdod. ells ,o rawdnq on a tlady bmtl a, thorn may Da n sYWY vdrknea batwsnn thk cMeulatlan and tits amount u1 h_ 'i the c ox/ to Freart of tHr sfwtannem ` wa multiuly rho bogitirdnq bdrrtes of neap wepnerx each day, earl any now trwttmtcdorr to each rogttartt, rxl atdytraot any paytnam% d aodtr. tN'Yto code FI nppmrn on tRo tram of iHr strtwnam nees to "BNtma Fiwb Applbd To," wa Nero Aubarct wry urpeid lrrwtas dtrr(lo irtdaafecl Ir+ Ito beMrNrr of each nwgnod.; TNw yws aw rho tally babmav d arWt regrtrnt. 'Then. wa add ty AI tFlr drYy balanoee fix each ragreant Tnr the hlilinq periotl and dtdtlu by ttrr artral rrasrrbsr of dap n rie blNby) poridf. This t/wa u rho xwraggoo dolly balrrraa of exdt aopmom. ;l. AmuN VaroaeAagr RaRss IAPR1. e. TNe iMin "Amual Porcantags Bata' may appear as APR" on ell tent of 1Ha rfrromdrt. b. It rho cado P (Pllmo), L (3"mo. LIBOR), C tCrnidcate of E7oporit), d 8 tCtrnitcartl Pdms) rPPass on 2)rrp(umtd oT 1H~r ~ noee~~npnAn periods fal,~ ~AOE fli1TEB ntay vary 4awrteelY artd maNyMJk%xaA aro or docnrfro berod on the rxadod krUca, an loud b TJre 1MAF Srinat .Axsnarl, Pkw tlro erur{/n proNarNV dwdowed to you. TTrre rJwt_ tgaa vM11 tw etla"tlw to iha ill atey of yoW b111irg pwlwf oowrorl DY Wtrc padodc mat~ttartr nnYnq in the rrtatYfat JwtauxY, Ap N. Je1y ayJ (iatobrr. a H the a:ade C (Frdme), F (1-mo. LIFX%q ar ra t-t-mn. LIBOR Ragfesd MordHY) appoan on 11ts fide of your 9tmontaM nata to rte porlWin rateM), ttn oodod)e Axon dhY mrrght proNOaady dNrdosatl to yaru Thtro ttrwrgall vNp W eflacYw ar rie 11trt day rrl your Hllinq period each mmlh. d. Aaseramara! of Late, OvarWallt aeN RaArenod Paytrwrd Faaa. Your wtcotrm wNl to auowwtl rte moro thwn torn of the Iowa Iintsd hero that occur durirrq AnY 6iYing perbd. UntY!r the tarrtu of year crwtaner agnwrn ant, vw reaorw the right w wNwo nr IHII in Awrrra nny Frra Wldialrl: plid tMtltlCmbrl to You aMttwre wNNng oau right xa AAawrs the coma or aimUer ear at r later tirrw. 6. R~tewYtp Pots AecoerR. N p mumlroeNrlp kla appsan on the ham of ihls Natenrent. gnu haw 30 days hom rho Wto tNr Natenrom war maUotl [o you to r vaM psyfnq the Feo or to have nroh tea crodtod to you It You chrrcN your ecrnrud. Derrkg thiw pwdod, You msy camitnro to uro VoW xccwA+t vdttud having to pay the m emtrerohip too. TO CArra:al your aCCmlm, ytw must natity aw W caUinq our C;uatamer RNadotn Dapedmam n rxl pay yyo~W 'Now Balwres" n kdl foxcktdrig ilrl mambenhip ten) prior to the end of the thiny.daY period. Q. If You Cbu Yaw Aoomm. You can rotlenw to clone year dcaol.Att by cAlibrq our Cuatamer RelAtlom hepartmenL You mart datrtroy your crodt caarksy and eCaaernt aoeeu clwekr, ca Heal NI praAUdwdsetl bUlinq, and snows uNnngq your wsoerm. It you tlo ear carxol prorwdhndasd bflNrrq arnrryomemr, tNe vdN corrrider rw:alpr: a1 A den rqa yoW Authad+rntbn to raoppmr yyoW accoarlt. Additlonsdy, your ec/nrrn[ wNl eat be clawed untY you pay NI amountr you owo to kNdudhrg: my tnnrnctirww gnu hew aaaliodaed, drwnca oho pea, pall duo }sn, averdmit tarn, returned pwymant two, rwrh adYAltce faea nerd wry mMn fins Arwssod to ywr rccaunL You an rorpaxralld^ far tMSa axnm.nte tNrathwr they sppur on ywr account at the Ilene you tsquart to cloau tlro aocaram a dray nro kxAxrecl nrbretryant to goer rogran to dose rho aecaNr%. Thk may rosult In charyas rppaadng an your accoum actor you hew IT you nutlraM7Aaf apu r<ttrwe hom n morchen[ and vet roceiva tltr trwrsaaxirrt from tFle meraham after your nCCOIrF% hot bean Cladad, MOW aaanunt W II bo roaparMd the nmorra of rho ch~r99ae vdY 6o adrbtl to yarx axoant, and yyou vdN bw roeponWhle for pa poem. IY Than k a memlroerNp toe tax yoW aceown. rho tea wNi a,arAirarr: to be chatgqootl, to lhr aMMT paimittaM 4y Ira. omit the sctwWr 6tdanco had burn paid in tut xAt tlrtinnU above. '7. Yqr 0.omast.Yax coal w rx:aourt wmrot bw ue In corrrectian with any imarrxt Yambling t ranractionr. 13. 1tollu Abaat 9antraab Check CsmRSbn. Vyhnn you pravkN a chock aw )aym am, you ruthodfa w alther M ors ntoanathM tram ywr dNrck to rttrkx n uria.tima aleCl rook: trod [rwrhr tame ymx bAnk Acanllht a! to process H+a ppnym and a^ q chock itargeC7IUtL Whwr va re Intoematlw from Ymx atwck to rw kr xn a!IaLH IOnIar hard tranwfer, lundr Army ba withdrawn trom your bank accotr% sa noon ar rho unto dwY wr tacNw gynnuu pAym enf. And you wiN ern rereiva ytwr check bark form your dnenckl Inatitmlon. Btt.1.WC3 RIGHTS Sl1RM.+)4RY (In Circa Uf Etron Or glwstlurr AUaA YoW NW; If ywr t:Hnk you Itll b veartg, ar if gal twirl moor irdonnetlvr an a trrrrrecHon d bi, write to ur err a eopwwts Nwd es soon rs pesdtle at rte arldrowa bt lr%lrldw Nrtryytt on tlro frmt of tHw rrtalrntem. We moat hear fiarn you no terror tlnn 80 dayysr rher trw wm you tlro /irat bid an vyHdt die error d ptr.6lem adirwsad. Yw rmr CAY OW Claranar RNaeme r[lxdef, bad airing Ara wfli rqt p{xnererw yoW d~ra.. M Purr latbt, (/vs aw /fro Icliowtrra inlomrwdm: ~yoex name a%1 acatoarp r%Mfor, thr dalhu aanaaart at the alapecaed error, o deacdptlan ai rho ermr acrd an eoganatbn, If of .Mty you bNiaw Uroro la am error d if yw moro irtbrnetbn, r dasrrgxion of the horn you an tnauro abort. You da trot haw >o pay arrt amtanrrt let getoNlan lyNb wo nro ktvaaY(plirp it. ixd wu fm etp WI1~7amd to Pay iha prna of you 6N1 thra an rott M qucalian_ WHIe wa inwaMxta ynx t(turfirar, we Gamut ropon gar Aa HdiexRnrn or to nrry actlm m aullaret tRro nmararrt you quewtbn 7,y" 9lndnl Rib Far Craclir Gr 1 Fiarclrrowr N~ t~dca8 Itrrr y r tom with tta WaftV at pratpoH.Y rat - ~~ td~ ~ pirchaMal aMdl a 01@tYt Crud alrtt yt>U good filth to aorroal >!1P protlem KW+ dna nr®rdrera, gnu mny Hrw the dgm nor Io Pry tfwr nmeiring amour[ altw rat iha gopmtY d worNeea yea how rife prxodion nrdy t,Nen tFia Prclrrao pies vwir man Eran v+~,itlier 'I'I t10 mtlai of au w°s mwla in yoax Mana abna ax yotrt nraginy +rlrhwr. (11 vw ore or oporo/o tlro mnrdtwrt, d if row mtllad ytxe the xlvoNsennasrt for idto property W aervkae, NI /rarretraareo an m+mnd rope [dean of amtaanl or location of pararase_) Frlwrsa ranwnber to dgr NI cdarApur%knoo_ 't 6bae nor MRM' Av n-araeimrr rxzn.erstlN sold ar, ~~emay t fktaw rArf a,apiy to fxsvraav rnxr~varfl'r carrf eaxxttef/.r CiephA 1:)rro aappurta inbrratetbn privacy Pralea.tiur: too ou vstrbrlto at www.caF17rhAlaaro.oom. C+rFNal Una it x fraferaNY rwdadetwJ aaarirw male rrf Capita Ono RtrenciN tbeporathm. I dgtoa nworwd. 0 10Q:i Car(tra{ Ono 01l.OLIIAI hepdtrrta plstlast peymetrte gar mail b aw Wg ba crodlrod to year aanetum w of rtes L%rNnww day ttra ncwiw H,/ prarvldrN (1) you atnd rho bottarrt pwtlon of Wa rtatamam aril yarn check 6t ttn andrrrteel ranittrrrror oenerkyro and t~ gar p~ry+rterm h soxe4twal-6r au aareirrU camar by .i p,Rl. (: F tt i I%7lT P'Y)• F~naaw aIIOV~' lent Ifna[ tlro ttiI Mainru rLrgtr ter prated tloYwrry. PAymwttr rweNwrd by to A[ xnY OdNir IOaJttlaat Or kl anY a7Ftar form may trot 6a eraediwi ar of t!s dogy vw rocdw 1FIwn. UW farNrrgw dwyn an Moasfay tttrarph SatankV, oroiarRng trdtelayw. Rrwre do na use rwpea iwpet d ale. wfian Ffraprrkrq N 4Vhwt yatar nand w n dteektq, yott nuthwixe ua w mrb • orv-[hue eledtoHe trader a1eb11 from your bank accaxn tern 1!%a wnutm alF Yru cl%eek THr wMlMradan low to r Id cfnekr totadvacl dulnq 7/ro bllYnl) oyefa aNtrr If nom tfy romwrra taro. It wo ewrroa peooaaa the tNUwter, yw nrYrodro uA m melee a cfrarge a(pinM gar hank aatcoum oaring the cfwcly a paper draft d other horn. ~~~ what's in your walleY?s ANNIE A KROL-KNIGHT MAKE A PAY11/~ENT. AND TAKE CONTRwUL 4F IIrOEJR CREDtT WITH CAPITAL t7-NE~ Your account is temporarily unusable. The goad news is., by paying the amount due on your statement, you can still bring your account into goad standing. Q6t7 Let's work together to bring your account back to good stanc#ng. Yau can malts a payment with our fig check by phone service cir speak. to an associate. by calling 'i.SQ0.95S.66UQ. iii 2Q1J6 C:u{iita~ line Stirs :srs..frat. C,rfpisrtd i ~rtr is .r fralrr~fly rrgxrtrrcd r.:rvti:~ rrrar~t•. /3it ri~Ats rrsr.•nwrrl. ttGD-07754 PI.ATlNLti`v1141AS"1"EI2C"AKD ACC'OLIN"I` 5292-1520-2?~18-7341 Account S~uxttttan P r vicxaes ll;alaex:e a~ 395.1.09 ti _ ~ ...ayxvCntS, ~.l'Cflit$alld ~djttRt).anC17tE 3.oa T7Rnt[x(:ti<aT15 32(13.00 I'inanxzx C..hlrges $23.7 4 New }.icilatu~r. 37,05"St.79 ~:inirriaanx :lnxnxnt [)xxe 31;k.t.I9 i?aiVaxtent :[hxe Dcrte Septxamber 23, 2(x)6 ']"atal C`.rc+tiit I~itte 39P)0 Total 1lwtilalalc C:rtdiu 3.00 Credit Line fiv C:wh 3900 .rtvai]ahlc C'.rcriit: Iiv Caala ffi.(lU At yrnir aeradcc 'I°o :d] CG}tNxxMar ReLafi¢ets~ eu Sc, .r..lxat v 1euA nr wilco xxixd: 1-SOO-SOS-5227 J LJ l.24 - ALIG 2.3, 20CG P:xge 1 taf 1 Ya}znence. Credius snd Adjustments 'rnaimatctinns 23 i1LdG CAFI'l"AL ONE ME:tifBER FEE. 23 1UC; O~WERI:I?1AI"!' FF.E 339.00 Z9. W 3S.0f.) Yntx re brhirad by Live p:ryxrients - sr .x•e're perxx;antently ~wpendrd ~+xaxr r.hurgxn~privtile;~e~.:[f ta+u donx't axxuke a ~u1'fu•ieut payirent lax I:Ixe tacit 50 da}'~ +. r1] cla:ar}x• <+fl~yxaxxr u :aunt. II 1~ercar acx'=.runt: is relxxted. t<r xa:xt ioax J rrexlit: btxrextus as c.lxxrged exff; it11 have .x sarictau 'rrnlKU•.t cn sa txr c:radit re.. ..rrci. Ple:xse dort't 1 .t: dais Irap~san ai•cu e.nn pre]-ent un5• fixrtlxsr darnta}2e to Vovr a:redit Uvl)aViaxg t.$r uxat<5vxnt date on your stxteaxsc nt. If yt+u re 1'eelinxg carcrrwixclxaar give txs a .:il! ae I.KUO at~.Gi~(). 1-4e11. a<•cw4t rx^itlx krou tca res •Itre tlris txxxtter- Ynu were asaksscxi a :wt due {tie of 335.0(1 can 4fiJ2312()(lti because your minirmttn payarerri~ aria neat received Ity the dnu date of 4R123Y20tlG. `f n rand this fce Sn the futures cve rec:cnxinend tlxatt w+u allow of le:tRt. 71nta.inese days fear Ivrtxr payanent tc rcac)x C:xpitrd Otte. Fx frac: wrdine aCCfRlait xavu:e and xpaial xuNsvaaer ,xlTus, L,g an tex MaVW.i.T I11tY11GI1C<`eYG Said ImynrsG. N.=. Snid uxetrwi+a +.~,: Atni: IRcrGitbvwc Pmca>:urg CtII+LLtY11 ORC Basil: G.api+m2 Oat P.Q tSa<79Q23G P.O. B<ee 30?5S Se. Irnds, &TO 631'f5r-tLti(i .'•R.(`., LTI' R41'io-an6 Itmlortaat Account Inriorttianoa 7"alcr ctltxucrl rued start gapingyazu Iaiil atxliate fcv frxr.. I~i>nievate fhe hassle c>fiazitin~a3xe<i:x, fiaxiirxg muxxpn, :grad sealiray; exxvaiz>pea F..usything yrnx axeexi. to raxress, revacaay grad pay fcrtxr Intl is xn-tiln2ilc nntinc. C?nr wchnwtc rat#aran y+rnx a convet»enfs raxrxple: sold mare lvay to rnanteKe ycgtr srcrnanf. Yasat. wx^u•.c:tpitxtlaaxe.cami and re~isler y<nrr aCa'.aiint to xt;u1: xinlpil i£~ns.;q, ycnn• life t<xia}~ ~'.rr1A TICC (<:}1rtr~r I{'rsrr.rre! rre•mr .rirde fin is Inn! i ry5xm:6ian Sairnrr zwrtr Anradr Cornapmrr ~ ~~~ ,gssi>rrtto rau APR CF~If1 pIIRCI{ASFS svee:T9 .u7ri2t~U ;21S.L59(, i37.!(i GASH t.(l0 .07Tl.2Je:D .~l9..1.SRA i.00 AN(VCIAF..1?Is12C;I:.IY'I'Atil; t2A'T'F.,appdicd this pciuxd +~ PLliASli Ills"'rl1l2N 1K;3ltTIC:)Pt IIl?LOW WITH flrlYltrll:[v 1• ~ ~ 0000000 0 529115202748730'1 23 1074190025000179198 1Vew Balunxx 3T,0+9. 19 Minirnursa Arrxrxxnx: Due S27"J. 19 Ps{ymcnr I~a.ac I7nrc 4rgrxenrtlfcr 23, 2IX)Ei "I"otal encls~sed S gccouatt Na7mI>ex: 5291-I52t}-2'7441-73(lI firraxrgaar mrtilaxg s.Livu and~nr ,..mail <hasgt 8rbv as:w,~ kixv ar kfue. init. 28.1$% Sued Ap: o Cis} fitasa Z?F En:+3f Addrecx ~~Q231579$9£112Si2{)~ MA_7. ':;] tiUMSE:Ii I~itaL :3ne Sank ~ .fzT3i~II:E A KF~:C)L-KId:IGH"!' Ca ca, C1. Sozc 79~J216 l~ll~l~slslsll~~~lltll ~~.', ~ %L 5HEItWvpD CZA SC. iauis, t~ fi313a-p21~ ~ ~ L33C11,P. 1?A Y7025-1$3fl .~ LILmI1~nd16~dldldln~nlJnd611acnlldbdnhl r' = Indllndllnndadtdtdnnliinlmiisiuf~luJ~ulfhuli ltdrxue sxrifryoxxr xacrarrn! nxnrxMeron•4»Nr' rfxa.& m money mr##•r• marls f ryal~l'e to Crn~ilrt! Grx.BJmF nrv/mil in !Jr .vadPnrr/ena+r~fof+.t r _- __ O O ~; ~N 1 ••- ..eY. a• mono. rat wq Fmw w minknarrl gnw:e pedod ut 26 tlaq whhout Nnrrlw cha rye m r+rw pumhasas, clew habttao tranrfo rr, noes rpoN Sl pun:harur aryl now o1Mr rhargm if Ynu pay your total Now Ltnlanao', in accordanea wit the Nn ponan Notice br prYmgnn babes and In tintu far it to ho caufitad dy your pair aatammt rJaatng date. TNwro b no tPacr padod m carh aduanrar end rfaor:ial tronsferr. In adtgtion, there h no t#ace pad od on any tmnaa <:tbn if you do not pay tits tu[al "Now trabrtas.' b. Aoaybtp Fblarm tllarya. 'E'ranaa<:ya+r wtdch aro rol fra~arnrM dot QOf ~ tranrrac[tartmoror 2ydnor~n trlo dewNthal trenracd on b irocerard to ycut AccaaaN nr 3) from rho fl art calwnWt day of thr terror bNN padbd. AdtlhlmaN alNipra tlW not Pay iM 'New BNancx~lram the provltar y. rlg potlotl In full, Nnartce charyee oonirtue to acanr! to ,W~ nunpaaM baal~nce rndl tM unpaid lodaryce h paid in full. you may reNl oleo inonoa chargmr: oven ii you pry Hle ontira Nrw Sxlanca kdicetod on the from of Vaur .ttement by the next ettomon cloeklg dot, ban did not do ao to the prsuhxm monr?r. Ihpaid Xnrrror Mwryoa aro added to tM a uWs rargmvn of yoar Account. 'to. NNriwrrm Fbtarta~u~Ll~o~tdpc~ e. F.nr each bNIb1Y Plxiorl lhst t~el FINANCE CIiAAOEtnt ipb pawNllba i~ a ~nirrrunr [axel finonco chrryu roaW[Ir+g ham tM apppaitlort o} ytuhue OedoNa rotefa) Nf lore tfwn bO.Sp, we tygl auhtmat that molant tram the 00.60 rtdnlrnttm and the Wfbrarrev will Ida hiNsd to the p<t rchno ragqmo~t M t accaurd. "~" d. Totwps~rry. Rstfiretbrt ti Fktarw You d tc pat auau a mow' Wa rarorre t-w hlikg ppmlod. ny or aN Nnar+cs cltaryar far enY Bivan !. Av+rya OoHY flalawo Ilrrob~ n.w PYlrohasasl. a. Flnator dMrgr it oNaOaNd y ntritlpl ttto WY' advrrlcoof esah ragman of yaw accannt e.g., carh by tM carr~erohoss, rrfrwcial traaniw, rod rpacbl purchase) prevbualy c ~cNot oedgt ~ly Imdodie rotofr) trust bar lessor the bNNr pad yott. At the end at oath day durktg sogntemrg i ad. wa aPWY eM dWN Pododb sta ter sacra ynnt AaCCnr1C f0 1hU daNyy bAlarlCw of nr:h rl5ymer1l, then rt the and of the hiXing perbtl, na add up rho rorWtr o1 tMrw dopy cNculaHorr to ardor at yatrtr padodfa Arlertno charge #or oarh aogmont. Wo add rap the rosulu from xaah ratpttem to ^nlvr at thw toll pedodc linerrro alto rya br Yatur actwtrrt. '1'o get rho dallyy belenco far naeh wxgm en of yarn account, moo take rite hxginnklg balance for each railnfa+t atd add arty new uarvactlrwlr aaltl cry pwdudln Nrw rlca chrrgr calcubtoa m Utw praviaua da y'^ bs lance for t-la1 ngment. We than eubt ract any pa Nnanr or moafltr prrstd art of that dq that err •Ilagtod w that roprltent. This giros ur rho ea Y fat mooch ragmen of your accolxtt. Howovsr,daiN tteptar+am Now Halanco shown on yaw ProNurar rtetommt klu P ido e 11 your new balrncr uw• rasa ar a credit am ountl. nfueYw treluactlarnr lnlrich part to your parahew w special cRrrcMn caymans aro not rtldeU to tfla dadN babncn. Wo a ksulete tho average Wily balance by adding aN tM daily helancor togrthar aril divlaNrp too watt by tfro rranhvr of thr days k'1 tlla currant WXlnp cycb. Ta onlaadnto your total fl nonce cha rya, m1.rItIPIy your ayes a deli balrncs by tM dally perkxlic Iota nrW hV der r..H..tp ,.. ..y.w y _~_ on a da Ny bnir, [hwe may ba a thin atl cadatlon antl the amvuu at aaaaraatl. wr on tM feart of tMa suromen WPX od '1'o,' wa multiply thn eraltnttlOrR ro aroch aro t. trHJ vtbtraaat Y- auu any w credhr. tN'Mwr codes N a^Y paytnwdw wttarrlad nerd in "9alwwr iirte on tM Rant of tFb rwdxeaet any ulpaid fbtsnar sitar +~bd io," wa ales F arch w.gns~ t THr $ws aw ~°d M !te Iralanw aeonstt. 'Thal, eve add aM ttr deN~yy 6aMno~gmloolwmach rttrntta off ayra bt 7fle ~~ and dlvldu aywaggoo dally Wlaloo obt al~dad. TNa piYea tbjt~tho truM Porererlras pain IAPRi. wnyrrlan. Tho tam "Amual Porcantage Kato' may appear as APF'1' on thn hart of iNa fftarrontn. It rho coda P [Pd mal. 1. (3-ma LIB('yrt), C fCenlflcate of gaporiti. or 3 RTrtrlkaorW Pdnrel appsata on tltr irrrrt of tHs summon taut b the paWtcNa trtofal, >tie podorln rnee and ootr~olpmdlrlg A AL PEfiCB,ITAOE pATEg may vary gramdy atW may 6nr~oaao or daotorw bared on tin road Inicm, ar lard in Tho tNerp SYrerK Thorn gfrWautltrntwtw margin Nuuly efrgowrtl to ynt' byyrtg fatNON~ oovaed ba1~X~ m the ird day of your In thr ntttntar Jarvuav_ AMI x~i ado tea. tsnart °ntpng m. LlF3Cail ar O f3"mo. l1BOR Rgrioed M'ortiNN epFssa m rie irarR of pour wunaman rlard to iM Pa[lodb ra[abp, [M ppnntlgrlla ruawr atilt! corratpotrJfntl ANNUAL lrE'Af."FMAOF. fiA7F3 may wry y and may klcsaare or docroas rased m the anatad inlaew, m foaaxt ti T%r With Sfrvot .Axntat. Pkrs the margin Pr'avkwMy dlorJalrtd b you 'Thar dhtrtgsw vlltl tro aNectlve m the lint UrY W your ttflling pedod eecfl mmri. N. Anatrarrart of La/o, OwWallt rrrrd gvfuned PrYrren Foaw. Your accoun wfll ba arroaard no maro than two of the toes Ilnod hero that Decor during any hiNklp pwrbd. Under 1M terms of yaw cu+tamol agraanarr. yna merYa tM right to waive nr nato arrrw any fare without psis etoti11ca1ion m au vNthau awltAng our right to roars t o uamw ar aimNar ~ser at a later thrte. ti. Ronovabrp Yav Aamurt. It a momhorrFdp tae a ppean on tM iron of thi^ dattrment, yam ha re 30 Wye ham eho Wt /Hr rtatanrorrt xwr mailed to you t 'ivaid Itsyiray the fro ar to haves rueh tme credited to you you cancel your accoun. boring thl^ padad, You may Can11RIa td UOa you accnwu wi/harR haVlttp to pay the m emhwohlp bo. To canal your aecaurr, you mw[ nntHY w by crNnp err GLrtamer Roladonr IMpartmen arHl pay lyy1uudopp[s'NfW f3alrtca' In fuU taackrMng tMl 0. ! YauCbse Yeaur Aeotatrd Yes gent royuoii to ekwo ad. yoar accmatt by ce Xklp our Curtomor Rebtioru rlopanmant. You moat Moray your crwtflt ae rdip and accoun accen cloc4, Cancel all Ifroaartwrizod bNlinq, And Cana Yfringy ycur aCC:wn. If vat M par cancel ProawaMlizetl tdllirtq •rrertgements, uv wiN coradder rualdpt dt A oherya ymn eutlHrdaatlon to roaa{fxu+ vow accotalt. AdafltionaXV. Your acwurlt will pat he closed untN you pay NI arrtouns You owo m ktcluding: any tronaactforta vat have aalthodzotl, flratnaa chargaa, paw[ due tear, varll Mt fora, ntmnad payment bar, carh ndvmw"e taws and 1r+Y mMr fares xesaared to yoar a aa04n[. YOU Aro rorpnrnihr fOf [Mae aattrttntr MrllrthOr that' appwar on Vdw •ccormt et the time YOV roquert in crora tMr racoon m ll+ay are Mcumd altMaywmt ut your reglaoa to Wowe tho eccoun. Thb may rowult In cl~aryo~Mppaad_g on Vou:. uacoun root you havo your accoun tf It has eltaady 4een cldred. For example, new' rec~eiva the trraewaa4mf~aom tf~ mercharn Nee nprlnuyyo accoun hea boon ebrod, your sccaWn atoll ho reopartod iM nmwrr of tho cMrgpn viM ho added to yoar arcant, m you wiN ho rospmdhl• Tar paym em. If tharo la r a omtarrHP for lac Vow acwurn, the tees wNl caltitxar, to ho rhwrggaatl, to tM xxtom ParMnatl by law. unll [ho account balanw bar been paid in roll as Wilnad attuve. 7• ll~y Ywr Aawarrt, YOlx card or acwurt crrnpt hn uradln cetutectim with any Inemet qa mblinp trsnrr<Ylans. f!. Ibtleo About AreflaNo Ctreok tlam<asbn, WMn you pravkb A eMCk a^ payment, you ruthrod a• w e1tM1 to use Inbrtnatbn 1lnltl vans cTteck to nta kr n onn.tNne olydrrudc knd iraMbr ftarrr Vou bard[ account ar to proem the pr pour as a clack trateactiora WMn wn uro atktrnat n irem you check to nuke an rdrraronlo find trafrisr, fitrtda may Fx withdrawn tram your trank recoup as Doer ^r tM ra lrro day we tocMw Vnur PaYm ar, and you 1a1N rla r<xaiva your cIx!ak bank from your flnannlal Irut[itudon. SE.1911a RIaNT3 9l1NTMRY Iln Uaa of Bros ar 0twrd/rts Abou Yoar Af/} I! yoar tF4tlt yatar IflN kr vtwng, a IF Yvtu rwal pare Inlaamadm m a trarrxcdon w tai, wehe to ur nn a soirrnro alts n wont aw parrdtlu at the adtAOSa 'far bxltaMw Wtrrr'at on dto from of stir etakwnerv. YVo mast bars 'foots you ro Nrra /ton 00 dayysf cha vyr warn you tM finR tti on vytirlt lttr a roc or pmdem »Ciaarmrd Yar cam pc1rarell our Qnlrrror paladanr nrnbor, 4a d6ktp sn ydll rim Intwma~lim ~' In your bmt, ties tar the roNovir>N Yorx name rail aaaoarn nutrira, Ute <Idla» emoutt of ttrr sutyecasd error, a <hacrlpdm aN Ule error ~ ~ ~1 f1 afbn, 11 possbla. of uNty .pu bygya riatw h Yet resod nitro ktbmta[ n, a drat amlaxtn ii ~ are tnatro abota. Ycu do stn have ~ P~y mrtf gatooY<n vAtNa vyo Ma inYOrtlgalblo it. hea Yrni rue aW nb6geAttl to pay ttlx W m of Pout bH flat aro nn !n gatsrdon. y'YFge yes Inynrstigqaato Ytru gtarayat, von carnet ngxm You aw <IeYrxFtart or ukr arty acMal m anlbot dla ampnt ytu qusNnn t,'r' Sptdai Faule Fur Cre<gt Cana iiarchram If yWt ILa1M a prcblxnt vNth rite quality ut PrttPOnY or anrMcm [Me Vua paochrsad oriel a ctaHNt card tied pu mx tried b (Aod faith to aoroet ria prohlerrl ayitll rio niurrt, Ntar mart Moo It+e dgn rtm to pny tiro wnudritlg atmoarrt <ha m the proprny or aorrinna. Yar My+a Ylia frotrcrkrn arty v torsi tflx pwcltwno pd owes Inora tllan $(i0.00 oast rix P<+ritawe wars nuWo in wcr hoot aorta or witHn 'I CIf) mNes of yorx mailing arldroaw. (11 vvo own ar orxtroro 71W nwrdlertl, or if wa muRotl you t1u arclvartirantart for rip llroPort.y a' aruvicm all Purdmtraar F a~ ~r ~ t Hof »moaan or ~aoatlon of ptarhawn.) 1 all =onnalpr lonrsi_ '~' lbow pat splay an ool'I:+armcr rtdrncrada• r]rrrf Aso?rmin z fMnx not alyny tp faawhaav rrxr~zry:fy rsrd a.rtxxa,wv f:arpttatl Can rapgtrts Inbrmmbrl ptFY»cy pfrw M-YrzY wtx• Ou w°bN[e xt www.c:a taNa+w.<aNtt. t'1+piW arts is x rally ra{fhraral eorviw mark of Capit armor flrarGad Corpaxa[lan. MI dghtw nwortnoa:L a 70t.Cf C~pifel aria a1 LC71..Ltgl in r do~rrrl ram„t~artco nn~vdq:e~ uxlat2)~yYa~o crwldwd to your a<norxn aw of ttv hl.rwinoar day moo rewires N provldtl tt 1 vat arnd tM Mnmt Paymertq exl;olaad uw at Yrnen iw nr:l,{yaal irl atr oarrdrlp armor Icy 3 p,m FI' f 7 ~ portion of tHa wrxrenlrrrrt and Ywr chock !'hare do no[ taw ~ amI nVRtr loaxdm ar In any cNt+er togrl may not n>orl P7'). Pla[ro pilaw et lowrt flue tRi1 buairnar tLt fta atutpfart paper cltpe, tan. yNtm ym ~ cradtad or of tM M moo rxcrdlae Iwnt. <]w hreln<ra days pre fvbnla V>A pratM dalivrtry. aogaxn for tfn amain o Cnr cfrtc 'Tits euriatdz~m~g ea tb aaNll Nrtckyr r oat vi cW wtllo bNl ~tr1. Wu autliadza uw m make a orur"tima olect[o in n raut/esadsdt hmt~y,yr~pbarltE Wayw. us M make a charge against ywr bank attars acing Yle cFlecly a paper draft a atMr form ~! cy<iae oven It want by rom<toevr dro. It yes ottrrtot prnorr thw nuewla, you utlMtdzo ctat~- what`s in your wallet?~ ANNIE A KR©L-KNIGHT Make sure you colt or pay the xrtra3r)t due ors your stxtelnent_tti•.~I~Ft-~.t} ~ to keep ±loltr accourn ftam being charged aft. t~ .20(76 C'seyaitrt.' C}nr Ses-r+r. rs..l»c-. C.rt~:i3rxl C}ne• ix it frdrrally ~rgirtand .prrtrce^ n;.in(•. illl rigfiss rrarnv.xl, Oa8-07;x54 PI.A'1'I NU:Srl M1SAS"1'ERC: A Rll AC C OCr'N'C 5291-1.520-2T4A-7301 Atxoum Summary 7?rcvioua Balalttx $1,0?9.39 P•nvrxtclxtss, Cxedits and Adjtna tnclrta $•ou Trnrunrtintu $64.00 T"ixx:lnc,e C:.hlrgcaa $24. ]2 New 13xlanca $1,189.31 .h9iniaxaaxlxa Atxw.nant .t?txe $ t,l(i9.3 3 P:nvlr:ent..[)txa 1'klta Cktober 23, Zoos Total Crerl:d ]'.ins $90U '1"o4xl Available Credit $.00 Cradit C:iexe 8iu• Crush $W30 tlvailalile Credit fru• C;:aslx $.00 _'1LIG 2d - SEP 2a, 2t)Oti P;tge 1 of 1 Paa}vrenrs, Cretlina and Aifjusrmenta 'I'rurwtrclinltrr 23 S"EP C)VERL,IIvilT FEE 2.3 SEP PAS"7' DUE FIsE 329.(10 3.5.(Rl Your ;u:eaauna ix si.x paylxaem:s loeibiaxd. Ili we' <'.lur~e ell povxr :LL's: a'ixn[ al Ua! aU lase p:lys,';l'n[R+ va+N NYill CPpCA'7 t:1blA r(? srwrral narional ..-rcdia: latrreauas which na:n^ have a aericnrs ixxrpa:.r: on }>,:,arr c-rrd ra rr(:r?rd. <qc-r ncnv ro prcvenr s~lais fioaxa lxappztxin$. Plr~ase pay the alncunr situ o!x tilntr sraaenxc~tn (3r gaol us n call ar "fl.8t)O.V'S.6ti!'(7. 'S1~'e 11 w~vrl: wiah you scs ~r(su u-xn ralae cc•axrrc,l ol~~ un Capixal Otxe ac:r.:r~unt aacl sx.arr rebaaildiagt~m• e-seilit. NOTICR: I,aak for a rxcty atitenxent design fxn• }soar C. ;tpiral Ona+ ercdit c:trti 1x8inn;nR nczt' xnonrlt_ A stunxn:xrV ~,f dxe key elwnt,~es will be. prtxvided +vitlx your new+ sratenxenr. Yau were messed a past: clue fex of $35.00 oa 09f23f20f14lxcaux your tnininntlrx paytnem' xesla not !'fit yeaatz cxervire received bf r.lxe dxx; date nr 09!23/Zi)04. To avoid this fre in. the fimsse, we recemmcnd that }K+u 'ra .xJl Custorrrer Relsfiaer: (uu~ ml>FS7 n lost ar seilm <ald: allev:• at laast T lnlsinesa days feu 4+cnxr payaaent ra reach Crxpirxl One. 1-~~-~$-52~ F'ar Eros online ac+c~awK ravine sod apnial wM(nbra ram., )w,E an t(x vnvw.is pilalcanmc~asu S.+n.dlzays.ra.trtc 8~edieaqu"sri~.e.c .loss: Ruw,ittarwx praoemwbp, Capital One 73aask CapitrS One P.C3. II, ~ 7NS&1 P.O. I1,an 3115 Clbsluitr,ly C' 12t27~r1iCtd :.il,t, y LTI' ii7190-tlZRK Impoctam ;ttxrnrnt Informat4on Beginnixxg OcA~dter ter, 2!304, b:uxxl an }vtss :rce'cnlrxt aci'n%dy yen! m:air lac :xeasl.eeteel nrwc th-!xx trora lolls ewe:linrLL~, cr rctxaned chorJ: taaca t}utt crcxv tlissinR sany rmllinR period. Fiixw ncc Chnr~es lY.•ure.rrr>ers~mr .r ~~ ji~r iuej~nrtanJ rrn, fnr+ve:dean Sm'elvu rare P.nvoJrr e::o.rsgpeirbyr I~rIV ~~~ ` qo?riinrfro sou ~ JfPB ~ j~ FL-RCiiAfiFS ti,r~sr27v .o7T1;r1sL a8.i5~ s~iK.r2 cnslr :.oo .oma~D xi.t sea IF.E)0 ANf~LIA.I.. l'IRCE+N'TAf~E RATE applied thiP period 28.I54's PI._1::AS}:i Rl:'1'F;Jl2N F'ORTI<.3N:E3E=t..C,3W t•VITI'8. PAYMF:N"I' ~ ~'~F~Jr~ 0000000 0 5291152027487301 23 1169310025001169317 New I3'alanm 31,1CfJ.al Minianwn Amrnlnt E3ue Sl,lfi9.31 Pavan.-nc I~xae 7}ate <?(-.teber 23. 20t)6 '1'cxal enclosed $ .!iccount Number: 529t-t52o-274R-73(iI YleaxR pruar mailer aJJrx.u s»a~m eanir! Aga Lvlasc xrsrq d ra/ nr bia~.e ;x.t. ^iak• State sIF Eic.*:+n ::•3;:+n.. A.':rnrrn.m 5~h.,ne Fs F .c3! .Yddrnw ~ Itgt?26;,?189E1251.25$ t~}ATI, T_.J BECJt~3F:R Capital One Bank ~ F>NMI7:'. A Y,fiOL-KPItGH'?' F.O. Bea 70864 lr,lnlnl~llrlu~llul „~.a ~ ~2 SIiJ=•RWUCJL~ CYFt Chariette, NC 282"i2-088A ~ ~ l'NiJi.A PA 1.7025-s838 ,.., Iu~dluluJJlnduhlllndnldnll~Inllul~~u~Ilr,g11 '~' ~ huNln~lllun~hhhlunlllulmlhlulrlmlu~lllu~ll Plruse scwita_yav mmrn[ rrwaetwron Vnatr clxrk rn mauuirtr arrJi:r mmlejtveyoWi Jo faj+itdi fJru.B~rnk azrlmn~! rrr Jlx rnnfmrirna+rrofw NOT PAYING Y~Qt~R^D~B'" ~~ ~~~~N~ ~~~ IT GV' ~~~ In fact, even if we report your account as charged off, you"Il still be responsible far paying your debt. So why not call us to see what we can do together to keep you from receiving such a seriaus mark on your credit record? We're here to help, Please contact us to find a solution that's right for yat,t. Yau can make a payment with our ~~, check by phone service or speak to an associate by calling i .8Q0.955,66U0. r f. l7 M ~~ tx_ Claw Pwied. You tMB Iww x mirtkrnm grerw period of 2G day without Nnanca cha rpv on new purchases, new balarrco tra nsforr, now apodvl ptrttytarv} ar}J now «hW rhnrgo^ if ytxr pay your tIXal 'New Balmtce", in accordance with the kn ponam Notice for prymam^ hwbw, and In tiro Far it to ho nadtad M your next rtatamnnt claring Mta. Thom is rto prcw podod rrrt rreh advanras and rpectal inrmfe rr. In addtion, there it ro grras pod od n any mutwEtbrt If yWr do tort tray tla total "Now dalanre .' b. AmWttt Flawta Clwgw. 't'nnaa<:tlutr vddch Ira not subiact to A pm Ea podad are nwaaswd flronro Ghargw 1) from tM don of ttw [renaacilan or 2) from the den thw uwrractl on is pmcwx!d to your Accnum « 3) 7rmt tho Ant calatdrr day of tfw currwx bNpng pod o<I. Addtianall y. ii you dW not pay the Nww Uelanca" from iha preyiwa tdtittg porbd In full, Nnanee! chaptes candrau! to acorn! to Your urpa kl 6alartee untU the txrpaid bNrmce is pdd In full. 'FF11r1 mwra that you may rdl ovw franca chergaa: own If you pry the entire Now drrow kWleated on tho from of your matnrtwnt by the nrst }trtemerr cb^Irtg date, hart rid tort da ^o for d*a proviarw mrmth. Urpald flrtenca durgoa Are added to the ^ppB catch xrgm am of you Arcount. 'r a. lytrirarm F6anw Qtw~ye, fa each biting pedarl that your accorrm i^ n t to a finrnce dtarge, s rnidmum total FINANCE CHA E of f0.60 wNl be irrtpa}ed. I} the fatal ilrunca charyv toadNny hom rho appllcatlon of your pododr. taro(s) le leas than 80.BO, wv wXl raMtmct thm amount Trom tM fO.liU rddmtrm and the diFfannae wpl 6a hiNncl to rho purchamo setirttont n1 your accour}. t'tl. Twpw>try ArArdtrt h wow Otwge. Ww rewrw the d NlO tv oat wsew any or all N!ta nce dmtgea ftll any given hlNhtp pa lod. 2. Awa/a aYy BNwres flrtoludkw Now Rnohursri• a. F}tartoa dti girt Ir ca/allaWd Y ttttattgY6tN lire daNY Bala nri of serif ragmam of you accmatt (o.g., cash adwnee, pueehaw, apedal tranatw, artd rpacNl purchase) hV thr mrrmr{wrxNr[g drdlV padodb Ntot^I then ha} Inaat preylouNy dla:bsxt to you. At thv anal of each day during the bilNnV period, wi app1Y ttte ddN ped<xNe nice br each na{pttem al your accaum to the dillyy Delmcw cN Nach tlmwnt. Than at the end of [hs Nlirtg period, tw add up the rwrltr of iMw daNy calculrtionc to ardor at your padodks flnarwe chn ego for oneh ^aGPttone We odd up rho rardn Mom roach rwpmsm to arrive at tM total perbdc innaco chrrpar Far yew ac ~. 't'o got the dai1Y 6alenco for orrch logo car of y«r accWan, ore aka the daginnltg ba lertca fat writ rayntent and add arty now trarteaetfpnr ntl rrry ``rod atB<: flnnnw cturyJe rslWirted an ttw pravlaue da Y'^ balance far tMt wtlnwnt. Wa thw sub rrct any pa ynnrsr p~ cmdlts poetrd w of that day Mat ari allacatod to that vognwnt. This giw^ ur the sapnnta daily turlance! for Hach swgmem of yore account. Howayar, it you pp~ld the ldow Itala nco ^fsrvvrt on yoarc ptoNoua natWnwnt in kA (or IT your new balwtca we• aaro «a ar^dlt amount). new tnnractlonr tMtich port to your pauclta re or sprciel putchsw ^ngmwa^ nm n« iddad xo tFU dally helloes}, WU ^a lculata the aw raga daily hx4nca by addng all the daily h^ISrs:or togathor and dtddirrg the rum by the number aF the days In the! cur^mt hipktg eyrb. To enlasdato yolu total fl ranee charge, multiply your everapo dally bale nca by the daily pododi<: ntn and by tba numlwr of day. W the bllNrtg padocl. Oala to cu+ding a+ a gaily belt, them may ba A eight varLrrece between tlda ededetian and the am aunt al 1lnanov cha rya ncnrAfly aaawrrW. h. If the care Z « N agttASw on tM ftaett of Iii} utaMnmm next to "Ualanco Firta Appliod 't'o,' we multiply rite bepinriltp balance o1 roach rQtvxrt each day, add w,y rwvr narwrtctbra to aaah wy rtwt, xxl trrbtra« soy p ymares « croWr. tN Yw cah N nPpauna an thv frarrt of tHs atatemsm nano to "RNartoa Rsaa Pppliad To," we oleo trllstact xtV argwid tinarttra rite ige htdtifwt in the balarnw of each wpn tart.) TNr {/ors ax the dally balrrtao of wch segnrrrt. 't'ttst vw add cep dl the tlaNY balanwr for each wrQtlart trrr tiro bYNng perWd and dMtla 6y tM total rxmbsr of days Nr 7fb dINnN pwdod. TNe t/w^ ra the xw.nggoo dray whrrtw w otrdt ragmsm_ :t. Arlnuel pweaAaps Ratty IAPRt. s. Tho two "Annual Pwrcwntags Rata' may appur ar h. Itthe ca<n1etP SPr~rttaj~ t!N(3.mu LIRMi), C (Ceniflcan of Uepoait), « 8 (BartkwW Prktte) apprrwr on the iwrt of tHr rixwntont roxt to Aw ppewrk[tlc nte(i), ttw pugo(1c wtw aM corrwpmdino ANIdIIAL P9il~TfFAOE fiATf3 may ~Y qua rawly r may kxroarA « Aecuugaa bared on tie ^udod Indoor, na irarcd in Tls Vlky/ SNixa( .Jbrirral, Pkla the maryrt pwMoauly d}doratl to you. Titers tritefyw vWl bee an 'Ow Bret day of your blBirq pprt~ aoyerad by yutr pododo,atatamarrt arsling ma craM u mama, F~ [t.nw. 4ROR) or t9 (3.rmt. EIBiOR Rrydcad k7artNy) ~pprera m tltw Lortt IX war srtxattern rtwar to tM punodb ratabp, tlto ppaalodic rotor aM oornpwtdrtp ANMJAL~ PFIICENTA(IF FinT1:3 mny wN muMdy arM may Irtarwrw W dacrerw tmad m riw rteneel indma, a^ krastd Irt The kYarV Sfrast .Asunax! pkre da margin pNWotatlY dwdowd to you Thera dtattgee vNB be sfMctlw m the AM day al your tllling period onM marth. 4. Asrs^wnart et Lice, OvwBmk grad Rshrmed P.yrr.rn Fiss. Your rocourn wpl 6v arrwwd ro moro ttran two of the Foos Ihrtudhem that ocGarcdurlrtti nnY 61NIng Iwrbtl. Under the farms of your curramor agmxnerr, Yve re^erw ttte right to wrdw ar rrrs to neww nny few wltlwut ppricer rotdicatbn to you aMtMW wrlMng oW right to Mwr^ iha same or sknlar ear ^t a Irter Nme. t'i. Renewkty Yav Agaotari. It a mxnbwetlfdp kw appear on the harts of this watsment. you haw 30 days hom rho tlrrto ttdr witwmant tra• mapod to you to itvnhl ;~rta rho Fae nr to haw tech 1w croditnd to you y your accourx. Durirtq thi^ pmlod, you may cominlra to era yoga nccpx+t tMtl%ap having to pay the memherohlp too. To cannel your acGOUnt, you mw[ notify err 6y csNktg our Cuenmar RelatlWw Uapa remum and pay yy!!~tar 'Now Unloose" W kiN (ewlardrp ttu memhaasevp foe) pri« tp the and of the thirty.day period. U. R You Clow Your Aeewrrt. you can roquoa to close yyaaN aaG.OUltt by Callltp oar t:lataRlOr RekNorat Uepanmwnt. You must w^tray your credh card(.) and accaamt. acesrs eFaelmr, ea r!col all pntmahErF<od biting, anti cwraw twinV your aria^^. Ii you tlo oat corral pmauharixed WlNrtg arnngam rrnr, wo vdN cWtrldar nCAlp l'. n1 a drelge yore AUtIIOd J.n[IOn to COOp rn YYoOUt accoun[. Additkmsiy, your accoum wpl not be GJO^wd Wtri you pay all imotlrnr Vou owo us ktdutlMg: wry twnaectiena yaU haw ashorlxod, Ora rrce charge^, part dun Ica}, avarp mfr fes^, taro mad payment fora., cash ndvnnco Rtrr and arty ltltw!r 1^aar asrtusaed to yoW AEraWil'. YOU am mrpOll}Ihlr tOr tIWYw ANOMI^ whelhaf they appear «r Yaur acmant •t the thna you requnn to cbao uw rocaurn or they xm Imsrrracl rlddwquant to yoa% requart tU dole rho accourn. TFda m~y roedt in charger appearing on your aocoum ariur nave your accourv rt n has already bean cl oawrl. F'or am mpln, It you auuwdtad i purcitaew Rom a ma rcfvtm and wvr eecelva Ths tranractiatn from the marcharn ariar yoW accoutx Mr 6e W+ cbsed, your accwnt vtN 6o mopufad tla arrwurn of the chargpe vdp ho xMrltl in ycsu accoant, and yyou wIN tla roepmwi bl• for paymern. It there h a momhu^hip toe br you aa:aaxn. the lore wNl carrtinaw to hw dtarggootl, [n the astern F ml[taH by kw. rnll rho accaurn balance her bean pa!d M Iu1 ar difinW above. 7. IJalrrw Yor AaoovlZ,Your earl ar acnoWn extrot. ba uwdh n corn!cction with any knorrot gamblirq irrnra«lara. R, Nrtloe Abaul dedmnb Check Usnverikrn. Whrm you provide a chock a} paymem, you authodre era rtttar io uw Nbrnetbn irwn ycnrc chock to make a «!o.timn oleo ronb fund fraronr imtn you bank acccrrxtt or to proeerr iha pe ymnA as a chock trenaaotien. Whxt we uw Infosn At n 1Nm yanr CIInCk la make fat R!Irctl{mic laird trnn^fer, tends may ba withdm wn from your dank account a^ tom ar the canto day aw locator yyoour rya ym en, and you WN nm mrdw your chock bxrk 1mm your financial institution. RILI.IN[7 RIUHT3 SENtrlhlAftY (In Cass tYf Fimra Or i)tartlrnn About Yaur WU If you xhlnk yoW sill Fa va«tg, or if ytsr roof mum Inlormatlot m a traraectlon « bNl. wdtw to ur on a aopruato ^taW w roan a} parOtln at ttw eddrow f« ktciaMw rftrlYYrr on drr hart of [bM^y^atswrmsm. Yde moot fiMrbil anon t~Mifit Yte Wmt orU d31s attar vys ram you the call our Crwrtwwr Rolatlotr nor, ~r ~wra<I. Year Gam pprNerarya YoW tldtt^. In rtg w tMN rot lnfomtatlon: Ymr IONw1. giro aw the blloWttg ya% rump wvf acmarn naar%slr, Ora Wilnr wtwarrt of tlta rrapacted stmt, x dwodptlon of the wrmr xrttl an roplrni[Inn, It powWS, nT yNty you Dwuw tiww is an enoc « Ii yrsr read rtwm inHnrmadon. a darcdptlon of the itwn you aro rauun about. Vou do not hrw to paY a maarrt ht quoetlr}r aMllo »o xm ktwnigatlnp it, fxa ytxrm nr atBl dallgttaad to prry On pr rte of yore IrfB that are rsrt bt 4usatlrat. YWdle we Inr~rliQqaato ynr µxatlut. ww earrtm rrgrOd gall w dallrxfrlrrt W' felt! nrty BCtlErt to collect Ctrs wnoant you question t,"r 9todnl lido F« Croclii crrni filn:Maar If wu tow a prrblant vdlh ihv quaity of peoportY of vices ttWl Y<u purcltaeerd M1h a aN<Itcnrtl arvl yWr have triad in pond Tnith to cormW fhe pmtlam vdM Iho merdu!rrt, Ys3ar mpy rutty 7M right rot to pry rho rwrtairirtg amaairt due on tlts pvopesty or rorvicep. Yetr Mw this protndlan oriV vdran tM pWChwe pprka vwas titoN rttan -0bO,UO rrvl Oar prsdtaw wlr^ ntrrd^ in yrxrr Mvnn abrW (% vdtlin t UO miba of Your maAitg addrera" (It vtat Dort « otsrram tlto rnerrham, or if yyw mWlod you tltm nrMrepaw«n[ tar tltn (sopony <x raaevicoa, aN Wadtrrtvxa Txm mye~ rrega rdew ofnlam ~~ o! location of purdhn<x_) rIg apnvl®tm_ ''' lkrva rrax NPl+cY' Yn c awrmer rwn.LrWX awd acLV[mte t 1kNra !!O( Af/p/y rp tier»xRy rxM)<:JtaYr L'NILr Nt,1ClXI>ff C7rPkx1 /:)ro aap(srcta htktrrrintbn privacy peWartluc Son ou iuN[e m w»vv.caPitalma.rxrm. Cnpitel Or^r Ice n federally rWir^neal anrNm mark of L'aPi to Ono flerariclal [bepaea[ian. NI dt)Mv rwntwri a 2UOGi Cabral Cem O1l.C7t..fSAi Inpweant 10rtlow Peymarrt^ year mall to aw vNll 6a credrred to ynr. aocourn ar of [ew ba!tdnaw day wo mwlw H proNdud Cl) you awtd tM bottom p«tbn et tHa wrnemsm wtd you clack in the wtdorad ermNtarca erwdglo oral t2y wire p ymarn Is ncdwyl in OW pacasisy wrner Ery :.i p.rn. ET' t7 ~ roon F*TJ- Plano nllaw m Iaaat iw (6) hldrom rLrya for poobrl Napwry. PAymrrttr ra3rlw<I by us at nny otFwr IoGatlet or k[ any other fo[m may not Ise rmdtud sa of tfa day we evrdw than, OW Iarainan day} seo [domisy ritmagh 9aplydayy~~ ewittllnp hW<Iayv_ Plmrra da no[ awe aWpiw W[per dips rte. whw p sdng you pa rn_ ylfiwt you >mrtd ar a dteekFu), you aWhoriae as to make a ore-thee abWtosie erartrfwr debit irgn yeut bank Aacrvrs Fur flue amrslm at [tor eMCle TM^ su0[ndxaUOn epplioa ao all eMekr rarslurd Wri[tg Yes WBkp) nyW[ own If trr[v by aomvaro d}o. It yes oarxxrt prorxsa the narxh[[, Yr+u +arrM[dav , a to make r aMrge apninrt your bank amcurn aaOrO iha chscly. a proper tlrari « also kom, Ifstrs# 3 enon#ha hsil#-prlc• '` ~~ a monsh; Se.SShtla. ttlmraattor' S/DN UP TODAYd 1-8??'-??8-12017 Mention Qffer Gods: AMBER or visit wwvupeaplepo,corrdga/amber sooa~s peoplepc~ online ~i A isetter way to internat. PeroplePC Onl~er offers the features you vuauki exppeecct from higher-priced Internet Service Prouiders et hAif-price far the first 3 months! N Emaii'~lrus Protection 1~: Pop-Up Blacken"' Spam Cornrois ~'+' Smart [)later "~1r> Phisher Security irnernel Cail Waiting Previous Balance Paymer~s S Ctedlts CtiAR6E Transactions Htaw Balance Ilttn&awm Payrrllerrd Due Date $1.169.31 - $772.03 + $24.81 + $0.00 - $422.09 $15.00 irtov. 23, 2005 Sap. 24, 2006 - Ckf. 23, 2006 Page 1 of 1 •~•• CU'A!f My rKr ti.+ST TlsA5 nMUlax MastBrCetd PlaBnurtt ACCOUrN 52$A-1y2{i-2T~•7$Ut Your Accaurrt Infarlnatiart TOTAL CREDIT LINE $900,00 TC7TAL AVAILABLE CREDIT $477.91 CREDIT LINE FOR CASH $90©.04 AVAILABLE CREDIT FC)R CASH $477.91 Finance Charges (Please see reverse frx imp(nlrgtelrrt in(orr[~7ra) ~ ~ Pc CWresAPfZ d~ f+F1~~GE Purdlases $1,1372.38 4.aT712% 0 28.15°d $24:81 Cash S4 flo o.U771z?6 d 28.15°!e $0.l)0 AtJAL PERCEIirrAGE RATE appNad this period: 28.15% At Yola~ Salvltx 1-8af3.903.7637 To raa Cuskalner Ref8llarls ar to rapora a bat ar slob card: Send paymwt~ to: Capital Ors Bmk ~ p:0. Boat TQ88d ~ Chaddle, NC 28272•QBB4 Send ittgtlk'ies to: C~lital Orle • PA, Huc X0285 • Shc Lake City, LIT 84139•Q283 Palyment& Gredlts 8 /t-dtustrnents 1 14 OCT IATE PAYMENT FEE AOJUSTh! $35.iH>~ 2 ~ OCT. PAYMENT $737.43- 6ti:5ti SQf~ 1 ..~ 2:> ;sGIQi?:S i^AGSf•: Y ref 'F i::>";.F<2:33A (7~£T3.:tii)~~'rti PLEASE i3ETURN PORtkCrN BELQw WYT'H PAYMENT 0 5291152027487301 23 0422090737030015001. ~~~~. I whaNs in your walled" />rccalunt Number: 5251-152U-2748-1301 New Balance Minimum Payment due Date $422.09 $15.00 1~I4V. 23, 2006 PtfASE PAY AT LEAST THIS AMOUNT Amount Endosed Capital One Sank IIIrI1FII1,lIEIIEIII. P.0_ box 7f788k Char lotttr. NC 282[42-088N 111IIIIt1I111ItIIlIII11IFIIIIIIIf1IlI[IIIIIIIIIlIIIIIIIIItIFII please print address or phone number changes below using btue or black irsk. AdHress hJOrrre Pilorle Aitema[e Phone E nisi! addnpss ~N •9029779898325322a EtAIL 21 NUMBER ANNSE A KROL-KNIGHT 7I SHERY44D CIR ENOLA, PA S7E)25-8838 IIIIIItIEIIIIt111IFIEIII11ElIIIl1IIIFIIIIIIIIIl1IIIIIIII111 Please write year account number an your check or money order made payable to Capital One Bank and mail with this Coupon in the enclosed envelope. peoplepc~ ar~~r~e ~,.,..,.i Abetter way to Internet. ~1111LIIVIITED 1N'~'ERNE'?' ACCESS SIGN tJP TODAY[ 1-5~7-X78-120-? M©ntton Ofiar Coda: AMBER or visit wwtxpepplepc.comlgafambar PeoplePC Is solely ratlponsible far this attar and is tort affiliated vfitla Gapttal Ona. Capital Orai doss hat provids, ansorsr, of gusrantar., and is not affiliated with, ~ pt>7duct tar service shown here, Any tfsdenyarks mentiol~d hatpin are solely owt,tyd ray the iasp~tive entity: All rights msarvad 0y ttasfxondalg ry this niter you may tea communicatirtLa itltarmstion afxaut youfself ro~lee Comparry flyer provtc3ea this pscairac[ - For axe, pple, That you arc a GaptCal Otte customer '~ 'IyeopteFL Ontns, Firs[ 3 mondls of service ors bi€tad at 54,87 a monttr 30,95 a rnorith 4hereatter. OttBr availade to ttrrw diaE-up subscribers a[ Msast t B years of age and may Ixat !xa nxiaernad with any otlwr oYel: Clffer sul7jsct to change at any tithe. Pttare technical support available for $1.95 per m(n(a?s. Forgoes{fans; call tall irad at T-877 7 78-7 207. Servi<:e trot ova"slata€a eft all areas. Aces tees, taxes, wrd Daher fens artd restrictions may apply. Telephoisa toll charges may apply, evdn dlxing flee! peritxts. kyu are respor,aiblt ftx Ktetnrtt,iitirtg whether a e:aN to orte o! our access twmtyefs will result In tWeptlana toll charges. Aacass may be Nnaited, espeK:iatiy during limas of pack usage. Dial-up numl~rs may ba clmngad ai PaopIaPCS dscretlwt. Contaauous ass subjract to iimeaut prooadur$s. All Issct is subJact to PeoptaPC OnGne4 Searvir~fis Agreement and Art:eptataia Use Policy 5+"alC zs the maxirtautt, speed of service; actual speed may ti~ary 9 2D17t3 PrxaplaPf; Inc. All Rights }~snrvad. Poaptt~'C Csrttins a nd its logos am mg#stared tr+ujernacks of PnoplePG uT the U.S. and other counlties. ~ 2a~08 Capital Ono Services. Ix. Capital Orxt is a fgderal}y registnrnd service mark. Alt rights rcr5arotxt. t. New to Awed a Plasnee Chays. t e. Once Partod. You wii(Emve s neinimunt Nmoe penal aF 2a ''~,, ruays urMrosd Kkelenca enarya on haw ttulef,saaa, nwv ', Wa{antx+ tt7x'IMlIKR, haw apa(Aal faJrKt,aatta all new aaEM charges if ywl WY Yaur IoEed •New 6atartoe", in atxtadaM,ze wipe tfw ImpaRenf Ntriina tOf payawnm aebw orb to tarty farawlw crrmdlk,d byyrturawxe staaannr,t rikll{a'Ig door. There 41 ntt;Pnerr Patlad exl atlas, ndvanaie Wfd spatial tranKas, as edditlnrt, !torts 4. nn (Peas Imdtad m ar,y tmn9ectinn if you do tell twy the teal Ytew twmnca.• b. AaterVi,tq Rnanca t;M,pa. TrarYraeMOna wiMd+aro not aubpeal xo a grace pats! sn waa6ead ananos ahaly! f ) from tlya tlaaa of fns trareaactlon ur 2}from eta date the ttaetantsbn .a pMasmaad iu your Aosaunt w 3} keam Etw fast cald,dar day of me currant bMRfg podod. AttettaamMy, P ypu did nd pay Ues "New Balrnea` corn [he peeWews biaarg period In fua, flnen+xr G+argas mnanue b awue m ytatr unPArd bemrrew v+tlf aw unpaid IraIAr,Yxr is patd ay full. Tni6 <,eeetM arse. yaU erwp attll Ov.O Anartem ahaegpa, even M you pay the aMira New Balanor NWkated ore the Uuret y your ata'terearot by Kew tress amarman sAoaing Beta. but rgd nW aka ao tar few prwiorm irearatt. t3npakt farance oha,gaa era ilddetl W me appiliosbla srpn~ant trfy~ur AOOOtaN. t c. linlmtern Rnanea CAaryw Pa each Nfr'eq parted awe ymur nantaa bauhject m o Mnnrrna aMxge, a mlMmun uxel FINANCE C~7ARGE atSg.5a veil be imposed. f d- Temporary Rafuexlgt In Ptnartq Chart's, yYe reserve tree riglet le Hai Aaaoab any w ell anartca Cirasgoa for anY 9~+ fisting parted.. 2. Aerarpa OaNy aatartaa (IwdtldlrtQ aNw Pureharasj. ~v+11ta78 charge b cairrefiatW b7r muliplyirep the deity balance of trech tragnwne 4f youraat'a7uM (a.g.., hash eadvaetw, prxil,aae, sfeynial b!arttdnr, and aprrninl purfhase) by eta rsnaapoeeding tlaay pe[rodia ram(s) ttrt hea burl pravioualY diadosad to you, At tlm ared of eMi+ day tAtrk,g tt+es WIMng ptxlbd., vxe aPDN tho dally Parbdic 1'ato tar aaeh gaMnerH M ypur anoouM to cae eailY bdsnrxf dewih sagmsM.'Then ss ifss srrd of aw baling prriad, vets add sap ill rasuas of dress daily eslwlaaomi to tvfNe at }our parinetlc ftnar,aa attargs fqr aade segerwr4. tAhr add tlpdes rwsUlls [mot each segment t0 Mtiere N irw term poriediC aeronoe charge fa Yaur atxaum. Ra gel the tlaay 6eireae for each aegensnt pf your aacaEt+tb tad aaeaa MM lYegira,inp beaanns MX eaG'e fin~r~ citarya ester tyres ant bus days ba~fnr that. eagrreane. ilwr Ihen auWrrnl arty payrtuess W r'redtla pasts as of shat day mat tyre aaoeamd b that segment, Thw gives us tw MparNS tlaay befarta ter Yd, sepnMa of your acaoutd. Nnwr.^wx, it ytat tuaitl a+a Maw Balarwa anavm an Ymtr txevirxle eratnmert to fuH ter Nyttuf rsevr tmmnraf was taro a a credit arnnaaMj, new IrerrsacAlona, wnbn Poe! to Yaur p4rahrtetm M aPeGq€ punphaKa aa~etanls era Hai added to mr daslY WNaeaew. Wa eaoaaata tits evewuya tlaay ~alsr,ra by Adding N! all tardy MmrMAe tagwd,sr alxl dlvidlreg tens sure by the ntanW r d the days m ass Correll. haang pycie. To palCUlem your ia.t Mdnce rfiarga, mnapply ybUr eYai(ye dMy belieyCa by the tinily paridSr tale and by d,e ms„bsr d psys in iha ttiaYtp period.. Dos b roundng nn w daffy basis or Wlfe tM minimum Mmenca chage eaaanmwM. tiara rnltY ba a vadamaa tysliwfra, ills ratkutntlm and 0u1 emotmtof fifwna:a charyya tkttualY asamaaad. S. AnnuY Perasntags Rsas (APRs. a. T(w ~mrm "Annual Pumanmgu Raw" may aptwar as 'r~R" do the form N mkt atammant. b It Mm Dude P (Duarpdy prima}. L {Ouerlady LIBOR}, G fC]tuneAY CDy, nr $ {Bankcerd PrNnej appears on the knot of ei aKSlattwM nrv,tt 4r tltr prekatlio mle(st, [he pedrxltc ram6 ared exxraspaMing ANhaJAI„. PERCENTAGE IiATEB may wry eae,eraarsy and nwY innflYSS a rmafNSe seised rtn ate sorted Indbtka. as fauna in iris \leteal 731rae1 Jolene!, pear ma mnrgin praviuuWy !lieGoassd byau. Tlwae t Wa be eliecdve nn the fret day d Y~x btltng periort ctY+exed by your parfodia atamrrreret ending M tlta mana,a of Jerwary; Apnl July o,td Uatcher, r 11 aw outlet 6 {{eatx,th7y pNxna). P {MrntNY taetsRJ, « O {Ttnawry l.~OR} appeerb cvl the 6or+t of year stammexn next b tlee pannNe tarots), see perbdia raw arxl wrrssonretsr,g AKNUAi. PERCENTAGE RATE,& may vmy mOMiely and may ireoaasa ordaeraaw WrearM on ttw sorted irrdkLi6, as futtrW Ne The was 9NSat Jounyl, p1U6 tMe margM peeitauslydisdesse® to you. These chapgae will tw alfadive net ms stet my tNynw bitlirtg period each month. i. Asawawrsnt M LaEa, Ovrlkreal and RatumW Payment Paaa-. Urtdar Ina trm~e ut your ts,aaurnar agnasrnan4 wa rasstwe aq dght fp walla Or net tp assess arty Iaas vAlhaa pHarnotNM.rabrtto yew wsthewttvoiWnp nurrfgtet to artaasa the lama asinrimrtaes a9 a Wartlma. t S. RarNrarirtg Your AeaouM.. M • mamtarxsitip tae appaara eyh rho frpnt of your Ittatpre,ant, yqu hrw 3n dsya tram fret data aelx swrxnent verve rr+ttimd m you N nwld paytnq me Sea w to have sash tea omditsd to you If you rartcN your euuwrg. velMwut het,ing to part' gee rtmmbahst3p tae. To cant7d yekr aooolrrt, you must nntyy us ay psakeg our Cr.eatomx ttslatiorte Dspanmant. and pny your "New Bam,raa" m tua (astludhg the ma, nbant,ip faa) tritw to Kite fayd Ot the tilfRy^tlby palOd. a.. It YqU 4rass YOUrAeeoant. 1'bal tan nrgtwat to rbae your auoount lYycalirrg our Caratomer RGOnata Deparimm~t. You m Wet draeoy' year rx'atMt raed(sj erssr account actxaa tdwckr, tarltaal Mi pnastthonzad bllang ttexi ceeea uairq your auaauM. Mar your ragereat to Goad. H you ooMlewe to trarsssat or do rwl cancel pl,pauthorizeyd heMng anangon+orru, we NMI rarvskew~ reralpt of a tiesrge }txx aus+anar,tlm b keep your arcntau gran. AddtaormMy, yrxrr amount veal not #sr alocat uma you pq. all errwunm you owe us Ntdexllaep: any trar.cactiorta you lmvo auttsrxizpd., ilrwrra et+agexs. peat dale teas, avarfimk men. rMUrtptd;,nymrml foss, cosh adrtstnn Teew ind eery oteeOf rw asaesaed to your aouOUM. YOU ere raaPansiale fpr theca arnounEa WhMhar thsY apPSar an yatx ar:parm M rave sore you request la dour Pty atxaunt err shay era kxuwM aunAagexarl !n ytxx nrquertt trs Gass ma ,wrx..reeertt. This may rtweaa in Georges appserlrp ors }aw eGnuM altar you have retasas/M the aaootmt m be clnfnd. Y, Chirp(( YnurAeceurtL Yaur rWrd nr account canner Ae laiad in tusneeaun with any irttemti {penM,l(np annaacaitx,a, 5. Notip Attoul Emetronb W,aek Cenve+erion. VNssn yore pMVide a UeGr. as PrymeM, you alRtlypt2b ua Wefgr~ use enfcxneatiien &~ortt ytku Creech 1P n,atm s ortaiimA. elaauaroo heed roterWer from Yaur bank ae¢oUM ar Ka pronass a+e psyn+ra iq a Ctwt'l+ irinaaa[IOn. 1n'teiR we use imanneaoa tram }wv nlwck ap make an elerefronb fiord trsuasfar„ aerate may ire: ~ tram your 6aerk aacuun[ tae sea, as ttw same tfsY ns reeaisa your peyrrearM, an4 You wAl hat rneoiw your dwl'dt t18f)f fiom your ana,dai YeaEbsEYten. BILLfNG RIQMT$ BUMMARY (€rt Catro of Errata nr Quastira,e abora Your BIM; it you IneW ytax kltp is. wrtwfg, w # you assets rtx,m irrrartnatinn on a transaction ar atl, wvrm w us ore a ssparsra W+ttat as coon as goaatl,ee a dta addreae tar Inrryiriea shown ors fns hunt tyf etas sWtatswra. Wo m,nt Peer from you no latev a,an an days after wo: wer+t you see golf bat axe wtsiGr fns error ax Pral,mns appeared. Yew ash eatl olx' Customer RMatlona ntatebar, out daktg eo win nq txaRarNr yvrx rights. In yatrr !stmt, giver HII aw tallpwing urkxrrsaEian; ytwr reamn ono aemuUM noels v; lhtl ddlar anWUm of Om suSprraM error, a rfaacr$edon er foe error and wn axpianatlan, a posetirrla o/xvt+y you ael(ave thre Is art wror•: or N yew Head moor inttarrwlForf, a detwriptiaf of lha imm you eta unaexe ascot. You du noK nova lu pay any amourel k+ grrestun vdtaa ewe era investgetirµa it, lilt yott are Mll otaigemd to PRY sus peers of your t>;U chat are not W rxuastlnrs. Y/htb v+e imroeniyyma your tttwatkm, we aarxeot repon Matt as gNinlYtlanl ar take. why action t6 exilmct the smewnl yw, eruestle'x,. 2, T apac~al Rule tar L'mdlt Card r>feGwtwa N you nave a pr:,ItMa*+~wkft rtes quaary nt prrlPe»tY araenrlaen seat you tnrrt3waad wlri a aradit card and you have utsd in gp~ad terth w sorter.! rave prabbm vast a,e rnrrc3wu, You may !rave tM rgyn not b nay tl+a nareainbeg ImrouM drat an Uat waPprty or Survkas.. Vou have ihM prMnGidn anry wt+en ttta pttrv:ixnAn p,ictY was moor than 550.Q0 all the puralwsa was nwde In your home strata or vntlan tqq rMaw u£ ytYUr rtwrlY,g aMdrara, (If wr awn or typwrKa the mtlraelent, W if vrlr nraitvd yatW irw advarawrtwnt rnr 1U+a prapArty or raerWeeA, all rnx'atlakeA tea nOVmed rtngaedtR.Aa n( wmatmt a iocatbn of purposes. j Plrese rertserratar to sign MI CORBap0lYtanae. * Does Hpt eFrn(Y tit ppnadmar nOn*Crbd1K amrd a?adantt bums Hal apply b twabvsss oorr•c~ndit cvtrdaccotx,rs Copied Ckw aupptxts inkxmslbn phvaay proWdian: she our ',Melbalta et y{p,yµ,y~l4ttp,4%T*!.. Capolat Qrw 19 a tederMly rsrgastarud service mark or Csplted ar+e F'inattafet'i orporalbn. Aa nghte rerarved. Ra !Otis Cepaal tlrta Tr;.ce of ac:aesa - n • son f,pla anparmra flosses „srm,era! tau fiat Ia us aN be uSeWd la yoir aauwM ea G are bnkwss 6a/ we recetsa a. praaued (t) You nand IM boson porters d sus m Wrsenl ealtl your cnad4 kr 1eN etmleued remlmaroa atsekps ant {~) ywr PSymeM is ra®nad M ceu rroassdng eentr nY 3 P.m. ET (f2 rttwn Pty, inEeas WWtx al loaei dw l5) truak+0es Mryr for ptmml WtlMay. Psynwth radvsd aY sle al any otlter heaths W d anyadWr tlYla rosy nut as arMttetl Md U+e drywa saemA sells. par faleinop dieyi ere IabnMy tawgn Ssturuay. aY[AY.Yeyy hoteYaye. Paws do xt use alaphlra. Paper tips, em. whin prpwiag Yota PSpnm. tyhen you serve uE a dtedt{y, you at9,oe>a es to mate a Opadme eaet!ares.KlmM Malt seal yaw beak arranlM pr aesamwnl d tM eMtl4. TIPS aelManrason applir b SM Mama teeerWd Auxq tlta W W+g aYaL awn Maea LTr axlwO,eo u6ee. N as Capnl'x proaYe6 ae0 fMmtl, You exMtn:iza lM b meths a N,arga aaaeat Yom card atxOtM tadg ill dtedt, a nWlr time ur Dave ltrm. soooos Carjrstt:~r1'iC,3~. wnat'> in }roar VrnneL?° it cou{d happen to anyone. Make sure you pay the antflunt Atvrtte A ICROL-icIVIGNT due on your statel»ent as soon as passible. Keeiaing your credit in good standing can WHQ~-PS ~ do a lot imore than you think. G©€)D CREDIT = GooD CREii3fT 1tEFEiiE~MCE5 ~ • - ~ BETTER 1111'iERES7 AATES (goad credit cau{d mean lower interest rates) ~ s . IMPROVED CIiANtCES TO GEl' APPR01tED FOR WANS (when you want to buy a home or new car) +t~ :>CI(3ti C,.ie~yirp/ lJler .Sc•rT,rrrs:. Jmr'. (~:r/~fttes C).re~ it a ~~drmll~ rrR~l'.s7r>rr/scr-r,vcr m:tr~k. Aid rrgfirs rrsrryrr1. 300t70K-Ck15pC~i PrevfQUS Balance Paymekits S Credits Cf~R{iE Transactlona New i3alat~e Min[mum PaytrrQni Ckue leafs $422.09 - $0..00 + $10.56 + $33.10 - $465.75 $30.00 ©,ec. 23., 2006 .e,. Uct. 24, 2006 -Nov. 24, 20(36 Page 1 of 1 PLthSf niX AT tkaS1 TM5 AMWfiT ~~ Pl8tlnkLm AcCOeAnt Your aoWOA[ik as oroe payment betktld, Rer€Tember that making your rT~ninsun paymr3aTts by the due #ate keeps 5~2Si-iS2G•27~a.73Qi Y' ~ in good standing, FwRhar rt~ssed aayera¢nts may be rt3portca3 to thn naacuaal cruet bureaus. Sc make sure yap send ila tt~e mir~mum amount due to keep your acl7stcnt in good stasxi'sng. Your AGCOUM Information TkJTAL. CREDIT LEI*tE 5900.40 TOTAL AVAfk.ABI.E CREDIT 5434.25 CREDIT LkME FOR CASI^t 5940.04 AVAIi.AE3t_E CREDtT FOR CASH 5434.25 Finance Charles IPlaase.sae reverse ter atsportxuTt In€orrTtatton} BsEance rake Fc Carr~p~nding FINANCE appkied t4 rate RPFi GHARGE PurCtuaSes Sazs.08 0.U77tz9ir 4 28.t5°rb 510.56 Crash 5(1.00 0.07712"€. t3 26.15°fo StI.OD ANANtA1 PEiiCEt4T'At'sE RATE wed thks pellod: 28.1596 At Yotu Servke 19Q3-363Y Tu Calf C.ustomar Remli+rls «to raparia loft «skM~i carci: Send paymee-IS ta: C,~tatOncBank P.4.t3ox?t768a•C,harfotte,NC?9272.OAt3a Send lnqus to: Ce{ada~ Olte • P.O. Box 341185 ~ S:fit take CAy, UT Sdt:.;rkl'k29'S Pants, t;re~dits ~ Atllustments T ns ciiott i 24 P T t3UE FEE 29.40 2 2A Nt]N PAYMENT PROTECTIt7F1 t-Bt3$-527-6fJQ4 54.10 You were messed a past due tee because your nTklirman payment was rtIX rec~~ed by the due date, To aaoi tk~s fee ~ the fukure, vre recrornrTLend klsat you allure at feast 7 btlsirless days for rrrrlinkxta payment to reac Capes Otoe. Clfi:c;? ~ F'A<;f~: nS .g ;/1.2-C":#if)5ti PlkJ1SE ftE'NRN PORTION 9EEUw WITH PAYtvtEMT O 5241152027487309 23 04b5750737030030009. ~~" ~ vvtwt s in yrwr wallat3` Accourtf Number: 5297-1520-2748-7301 New Balance Minimum Payment Due Date $465.75 $30..00 Llec. 23, 2006 PLEASE PAY AT LEAST TikIS Rkv~7UNT Amount Entlosed Capital Ane Bank 1{IS{IS{{u{1EI{/1 r{. P_0. Box 7t788k CharloELLe. NC 28272-t78F84 ff {1f{fI{fl{II1{1{{EIt{If{f{{{Itl{tl{I{rl{II{I/{{fl{IIFI r{{rls{{ Wease print addrrzss or phone number charTges below using blue or black ink. Address tfonTe Phone fi{terrlate Pharle C•--mail adliress f~ It90329798983253231t MAI! ID NUt18Ett ANMIE A KRA!-KNIGHT 73 SNERYAAD CIR ENAlA, PA 3?025-3838 Iii{{{flt{{{1 Elll~f{1~1{1111{{{1'.1{1{f~{{{11{1{tl {{Ili{{{fir Please write your account number on your check or money order made payable to Capital One Bank and rttail with this coupon in ttte enclosed ernelope. '. t.. tiew~m Ave&l a F{narrde chary.. _-- '., t d. Oraoe PerMd. You wl# have s rrunanum pwtae pried of 25 days rkitlaut rilranria cherpa an nave purrtrrwa, rteav bnbinerA xmnatanr, nayrr tlpseial p[at>f Wapa n11d nawdltTar dharpee H you pry year tarty 'New Br#rrtde", in sdocaderrve wipr the Impottatt NW Wes for payments batmnt And to tNtw tacit to lto dradl0ud fay yorr toad mairtnrlrrt rJtAdnp data. Them le nn proof padnd iXt atldt adrnMrCra rW apedW ~trrrtena. In edd0oty, afore L no grrnr peritxt at w,y Irtrnaectidn rf Yort do r+q pay me total "Now bNanos.` b. Aamlinp Flnaner Charge. TrarMatalona wMrta aro not weird to a praer peeved era aaaaased flrranW onapa ty Rtxrt tlra dale oA' the ttaheretidn w'rt~) from ats tlele the uatsutriun is prodsm5srd W ynta AOkuunt w ~): i5nm !hr first d+tlendar day d dre cratvrt burp pedad. AdtlNdpta~n N'yw dM rql pay are "Now Balance' from the preWoua bYhnp pedatl in Adl, firtanda ehrrgen mrrtnum ~ acarua to your unPOW l1nW!'a1a rArdf tfr. unptid lrelencr la peal et full. Thin means that. y~ri may OdN dvre trnarrse ahargas, e*ren M ypl pay iflr snore Nrw Balane:e indldatsd err dre born: iY your atatiarlenl tTy dw reetd atataraerrt dkwlnp data, but dw rat tfo ao for aw prerbra rnonh. llnlwid fnsrtce eshergw era added W eta applNCaWe pprtwht trf year AddWM. # c. Wnlmum FiriareweGtirge. For each tiHdip perkrrr tltet you addrxan lsanbjeCt m n Iktratplsdhrga, a minimum total FINANCE L`AIAR6E d x.60 vep bs impoed. T a: Tampwaiy tRadrrWOn in Ftriaarce Chalga. YJa reasrver ttre rsglrt tp nw aaeoaa any a au enrtrca d,aegea for any pWan ailfalq prtlry>,r., ~. Averepa ONy 1lalanw pnchrdirtp tNw Purchreat. Firtaetq charges is Lyln.Aaled by Nnutiply[rtp itw deity betarice df sadh ragnwnt d! yourAr„t^vu+a (e.p..< csaph aitvsitt:ti, ptacbeae, apednl irerrinr, arN epri9l purtYraee) by era mrrerponderp dsdy Periodic rawfe! itrt has barn previously disdoaW to ypu, Atelw lrrddf each day dirratg Ctw baYnp PudexL wa apptyytr dally periodic rate ttlrerdh sspxrlertt of Your aoaoum a dhe daNY beianae hf code aepnrra. then W the and of the bslkp pried, see add ryr !rw resettle of dtrses daly dabulatbrw to enNe at }cur padarXn Arence altargp for eeth sagrrrertt. UEr add up a+e rtawrs edoa ealda aepmenE ip rove al tfre lalat pnrWatc ilnarres G+arge for your exwm. Tb pal 1w daily beueros 1br anrA aiyFnent of You aoddrurtt. wa ratty the Ml fllrat4tp ffetanoe la aacP ssprrwrearw add dry. new trrnaedtdru sM sry pNtotlld hMrtoD CtrOrga eslCUtaiad Orr Rr0 pr6V101M ttay'6 belMree Mr stud aagrrrarrt. L4rrr llrelr Awlrirleri any peymnrns ar tYedai poaayd as of drat day arse aro agdested to tlraf aapmant Thar picas ua tlw raparMe illy bNence for wrlr srpnrent of your Aedouxtt. tiotatwui; {f yew pWd dto Ntnv BAlarrne shtrvai on ydtu prov"uxm aaatamrm In hrN (M H ymr rutty turlwrffiti wad zero a a errtil rrioriln~ new trrrxeaMions, vdsioh poet to Your tNJrerwS! ar rPeCHf pArchatte sewnrna an n01 tsddad fa itte da#ty tYYanaatl. VtL txtlaatatr iM overripe dopy #feEM1p1 aY Adxlrrp all a're tally lNtAndea topaanx And dtrftling the sum by the nurretrer d ors days (n ors rarrranl $11#In0 dycle. To qlW late Year infra fmtarce rtrarys, mulWply ywa avarapr tally belanae by ors tseNy prlixtlo rasa and try Hw rttatYrrr d efeys in tM liiitep periexl. Our W rfxnylnp on e datly breia nr dtm m erdninerm lkwrrea: chrya ~aewssntent #iaro raay br a Yarlalltda twnveen air ratcuNtidn nna tlra etoowltdtewrwa chr#ga aas,riy earewsea. 9. AnxwN •aeasntepe Ratae (APR}. a. Thu tamr'Anntral Pwoantape Ratu^ may aptxrar as "APR" nn fre from M thk tttatamem, b I t the oeda P {Qusrhny f•41rte). L 4~uarleriy LIBOR'#, C {OuwrisdY C:O}. or 5 {B,antocard Prune) nFrPerra an 4fw front of !ham ataWnwM rw# 4r M+rr Panudio rnle,a), ttw periraAe rates aM mmeepondreg ANNUAL PERCEINTA4E RATES may Y'rY gwrtfrny and mry lrtIXAWe a drerraM Dora an tlw ateted Indidra, ee Mond at The }tyeN Strkrel Jourflal, phat ale mnrpilt patdaualy laatdaatld b you. Tlemr dwrtpes Wit b0 e1TecWe Oct are trot deyW ydlr bANerp perlatt dDVared by your pariadb e[Alement antHrp in era mantle en' January April, July wx# Ck;tdtec o, tl Uie node O (ldorrthty Ptiter). P {MratfMy UBORJ, to O f7reesury tt90R) aipPOaro on tfa ediX of yaw statamont neat m the perir>t!c rataisJ, dta periodic rotas aM txxrrraportdittq ANNWU, PERCENTAC@ RATES may vary mdrWry aril Hwy inowae a deaaaaa tsersrl on the abaed vMWrs. as fralerd M The Marl Street Jutarrlal, pnla the margin pnetiraaly dtadoaad m you. TMaae chanpaa vill be eReWve tm Me first rldy dyaur aping wriad each month. 4. Aafeaenserst d Lahr OrarNmN1 acrd Rehrmed Payrmnt Fora, Undw the latvna of your ra»bner rprawtewrt we rrsotvo tlia rtpht um twNO or not to asaoaa dry tax vrMard pHOrnotpilyalidn ab yeti Mithtr/lMtAiWltp ourrlpht ar aaaaaa are same a sanNeriwaa9 • tatertlma_ t 6, Ranwirtp Your AooourtL H • rnart+bwship tau appears ear Nw front of Y'cur atatunrtr+t, yoP haver ~ r}eye trbin the 6aM die sWernant wad nluilad td you td avatd peyhg ate Ems nr b iraw atrGt foe oretlitad ra you ii you Hang[ your araoowu tomato hav#ng m liaY ilre: nrmrYyerstep be. To Geitoal your AeppuaR: you moat rrotUy cab by cslHrep d W Ctlebo+trer Relatlorw peprnmsrn and pay yew -New BrMroe" in fua (rsGudlrrp Ihr mre6erehla tae) giver /a tlw altrd of ate ltittyetry parted. 6.. I! You pace YtaYr Atxaud. Ymr ern raqueat to Gerae year acaoun[bydailirtg twr Cusioeaer Raleadrra Oeparenent. YOu must daerey your exadlt cad(a)artd sr:oantactare rtwde, anneal all prara/lhedzed blMnq end eases taNirrp your adraurn. AftK year raqueat. to Gore, H you sdrstlrureb tensed or do rat uledol proatrMrxlsod alMnp arrmrpdmaexm, vre sill tsrallr/K Mralpl:d a t~rittgw Yrax aurrod:MWrr In tegap yatlY rrdeauru open. rlddtliarwiy, your aamum vefli ern Ms Gosrf umN yw Pdry all enwurtta you owe us indudrinp: my axatsrp#ofw yfat twvd AuthatSAd, }Irarrred etturgas, Wiest due fesa, ovarlimit lens, rMUrrrM lrnymertl teas, rash Advrrrtnn read and arty other fees laaeeaetl to your aecaum. You ere rttapdnaNtis Mr these arnounta Ntralhar they aPPHran your atxndm et the lima you reauese to drraa ttw eecwnt car [hay Am Inrnnad anbeeq WrRI m Ydaa nrr#wrar kk cJoaw m! arxxaatl. Thla may resort in rtwpss appncrrkep ore your adcdurx nflm you ' have re Wasted iha mGwo[Art a her casrd. 7, ttasnq Your Account: Yaw tyM daccount cannot tm-ixa~t inin owrneetixxt srdte arty htmntdt gantb4rrp eramNdeotta. a. Notice About Qecbonb Check Cwlvarsion. WMn you IxaMde o clrscit rs t»Ymem, you authttnatr us a+btarln ues Nntnemawm sac es yarn dlteSk a nftite A arwilnre ebotrana Puna troruter ikom year beMC auxaa;ru or a iyrdceme me payawrt at A crwek tr+nesIXlan. vyt,wt vra uea iMamretian ham your crrack to rtMkr an e1R4aenld Lund trartetcr, hsntls mry be thatrdrawn hour your bank account as soon k Ora asrta d.y ws reoene Ywr peyerrerrt, an4 You full not reeeiivr 1rrrUr' dteck beer. fiom yeas Mrendal IneUaxtien.. BILLENG RI(3ttF$ SUMdtARY pct Caao or Errws nr Quarttarr atrdut Your Bptt i! yea, mrw yea tit is trxdrrip nr d ywr naM rtxrra irrlorfrmtinn nn a eranragion or Wr, vrrile la us err a ee~raNe ahrst ar coon ns poaaNrde M Ilia rddraas tar ktr#trldea rhawn rXt Iha fnart tzf this uaaxndm. Wes mteat twar fratn yet no leper tfran Kt) lidye after we twnt ynu are lint till an wfridt thw rmnr a prehFUn appeared. Vkw don u! olx-Cusrorrwr RMelbne numfrsr, but ro will rm1 proMrvr yraar rigtrle, In your Irtcar, givr w Hw Mndvtrrg irrfornYettpn: your name one aoorxinl rrulrswr, the adlar anwum of tMt ausprclad error, s drscripuat d the wmrr and err efrplanatlon, H poasBts, of why ydu (wl#awr iftre Is err error; ar d you Head mwa irtldrrnetrort, a dasddPtbrr otthe item you rm unelufr Aaaut `Kw do cwt have to pay arty enaunl fir tFxmslkrn wlulft we are W vaadgaitnyt it, but yea and atgl obligated to PrfY tlao PrrM of year Mp that era Hat of tyuat:tldra. Wfek vre imrnalipnlo Ymu titlasistet, xro derrrrot laaan yea as QmlingtKrtf dr take any cation to ooNOat caw amount you Wesunir. ~, T Spot W Ruht tar Cratlt Csrd Purprartaa H ydu hatYi a pmhbrm Wtli the 4uadr/ tN ferperty or arvicea chat You purclissed viMr a cradh cwra and you haw triad In goad ieilh W corrsci U'w penbkrm W tlr ihr rrrarortrr#. You meY have Iles Nyftl Hen W paY Zhu nxrxninerp anAx+re duo art llaa teaparty rx +wsrvkaa. Ydu have IMa ttnYtadtlan dNy ue+nn tltr ~urrtwne price rraa more Than 860.00 and tits purclww wad eteM In your home state or vn Win 700 rdtetr df your rywiletg aadraw_ (tf »e own or aPorWe ihr rtterdrtant, dr if „va ntairrd yea, erw adVr'nl#aerttNnl lux tr+m prtpierty ar Nrrviraa, all faarttaara ems revered mgarAMAS or aaxwnt or tdmtlon of purrhaaa.j Plraer remambar to algn w#I r:a[raapalWMCa. t' Amts oaf apPfY M nanaranar nomcrodN ranf errnrrnia thrrsr nor apivy to drainsss nurr~aad#r oaeddcctaArrs t;,ripital Ogre aupWats in(gemetptt privacy fmylerG#nn; :sdo vut ,vebeHe at YM'.W.F84M1iR.!2!dfl~Q.d.~l.~ Capital qrw Ie a lederady ragta:rrep arrv6ca mark W CapilAl Ono FinartGM Coeporatlw;. Ae rlyhts naarvea. rt) 2d16 Capnat Una Tc•oei of BCZ!(}dg - a - iztzf ~w aapttrtad Hoacr; Peymaats you read w us rra us cvada.d m ytha ecesreM za W ate Iwai+tess dsY xro ze;•srye d,. WrnedM tF) yAi skn0 !rs E~la6h yorRdrr ~ttHk llelgletefll and yraa cnara b One enddsed tataa0rlLY endabpe atk# ~} yextr paymars:is fsGtirad i:f eta Grd'a+sanp. oelffiV aY 3 p.m. aT (f2 rwfat Pty. l Scala alt:e al crest lra !6J busirrkaa Qaya Arc p060ki tlgaray.. FaYmatis susdi!nr7cyus ;at any atn4T lxrliut car of aRr gtreM f1iKa racy kgtUa teYltR:etl mm# th0 der we affvavk Inkk4. OYi rwntrsnsa dayk ark raMetkY ilv(ru;6l 54ktin4tty. k><dtA':irYt t9lsM1alys.. Faris do nG ask sm~, prpar ceps. sal. wnwr pcp9nN# yntr payrtam. Yihss }oa santl us a maxasl-toff aadtosxe u le macs a onk-bnk eac6EOtas Erarnfea deml#tma yeta dnsasounl roc MeamaYtt d Ina crack.'ittis aull°antatiOn grpier to al dersdra remrwd ~'r## Its nlmng cyok ever H pre by annwnno ems.t rw rarrrlcR aikuss lrsfremiar, You aulht6Yk w rd rnrica a dwrga a~IlAt yrtar Pkhnc;YLyiaas to tg Un drsri, n papM dr7A v oltt(a ierfA ~rQ~i~ ` I what`s in yot,r waiietT` LEi''S TALK. -- WE'RE HERE TO HELP SOHO Sometimes unexpected expenses keep you from making your credit card payments. INS understand. At Capital C?ne;~ we're here to help you keep your credit on track Give us a catt. Here are 3 easy ways tc~ make a payment: - Give one of our associates a calf 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 vvww.capitalone.corn. ~~ 2fXkS tir~iaxu! C1rtt Sert•rrrx, /rre•. Cajixirr! C.)su it ri fr'~e/r~nvlly sr~l'strrti~ rrr~ar. r »surk..4JL ruts rr.:rrr tr ~!_ Ptavhws B~ance Paymar~s 81 Credits CFiA~i4tl3~ Tranasctlons Fiatrtr 8alarxe rrNnhTtttm PaytrN3rrt flue Uafe $465..75 - $0.00 « $'i 0.55 + $33.49 - $509.79 $45.00 Jan. 23, 2U07 .ti4 Nov, 25, 2006 -Dec. 23, 2006 Page 1 of 1 +Itas€ car ar uisr nss atAatalt iNa~erCard Prattn Acctwr~ Yav`re bot/inu by two payments. Lot's ~k. ff youYe Furring tixlar~21 dtrfcc,ttics and can'# make your mintlxkzrn 52$1.15211KZ7i8•T301 Payment • we want to help, t.ers irk togedler to d a solutisna that vrork=, bast for you. Giwt us a call at 1,8UJ.95.r''.T090. Your Account irtfotTrl&tlOn TOTAL CREd[T LIt~EE 58t)i1.o0 TOTAL AVAttAi3i_E GI2E[}IT 539©.21 CREDtT LINE FOR: t:ABii 58tY0.fl0 AifAtC.ABLE CREDIT FOR CASH $390.21 Finance Citarges {Please sec reverse for anpnrtant inforrsra~rt) 9atance rate Periodic Carrespor~deg FIIVACYCE epptied to rate APR GHi~iGE PurChaSes 5471.81 O.tB7712A6 D 28.15°,1, 5111.55 trash $(t.Ot1 O.ti7712~ d 2$,15°81 $tl.txl At~riuAL tEfrrgG6 RATEawed ttu: period: 2tt.1s94 f,~y At Yot~ Service 1-80ikt103.3d37 ~7 To catt Custamar E~iatioms or r¢ rtrport a tnst ar stWUl card: ~Yn'tertis. Credits 8 AcliutttrntxttS 3rattsadiarts 1 23 0EC PAST DUE FEE 2g,OQ 2 29 DEC PAYMENT PROTECTION 1-$68-527-69U4 $q;4g Undertenns previously dledosed to yet, carne or ~ of yourAnnu~ Percentage rim {APRs) nags been iala~sed since your aoornlnt was past due twice in 9le peat 12 bilNng cycles. Iryour rates nave akeady klveased, subsegt~lt delkptrerlcies exteruted the duration of the ~cyeased rates. iiemerrltrer. Ff vae receive yrxr mininxan monthly payment on Mme for 12 oor>9ectrtive biDirg cycles this aoeount wit be relltevred for a passi6Aa return to your Non-ttttroductnry APR. You are s valued PayrrleEti Proter~4on custcrrler and may be eilg~ie for berle/ts to Ge paid fA yrntr accarstt per the terms of yrxs Payment ti~ectinn agrealrterlt. It you gave esg5efiellCad ~ aifgittie lees event, please call Star>eelidge Benefit Ser55ces at t-888-527.694 to sea it your.sicn qua6t"tes for benafas. Yocv aCCnunt is 6 days post due end yaur (pvergge wdi be suspended i[ d readras so day9 past due, ss stated in your Payment Praterxbn agreement. /E'~ Send payments u>: Yau were assessed a mt due !ea because Payrreart by i~j Cac>hat Drse tk P.f3. Ben 7o8B4 - CrarrWtto, tJC 282T2-tbBB4 P your rnlnimcan t was not received the due da0e. To avo6 tFrs tae ire the future. we reconrrrel#d that you aNow a! least 7 txesiness days tar your rraeinrrrn Slayment to rase Capital proe. Send tngttirkes t+1: Ccryitai Ulse - P.tl. Box 3f1265 ~ exit t ~o fair, UY 64130~a295 ;ti'ii@i `.i w`E~ ~} F __... .~A..,,fi. .. .?f ~l ..7.E :aai9e> PLEA5E RETURN PORTkf?N BEEOW 'WtTt-t PAYMENT L'apltFs/Qrj~' ~ wrist's in yu+A* wallet?" Q 5297fS2€12748730f 23 4]50979€173703QQ450Q6. Mew BaGance Minimum Paytnerrt Due Date $509.79 $45..00 Jan. 23, 2007 t~L~ASE PAY AT FEAST ruts AratotiNl Amount Enclosed . {ap ital anQ Bank P.d. Box 717884 IIIuIIIErnrIrI111I11. Charlotte. N{ 28272-©884 IIELIII,IEEJIIIEIrI1JrIIIIIJIIIIIEII/IIIrII11f1111EIL1rll Acctaunf Number. SZ9f-1524-2748-7301 Wease print address or phone number changes below using blue or black vnk. Address tton,e Phone Alrerrlate Phone E-rnae! address (g? s9035879898525322+1 t9AIL ID NUriB€R ANNIE A KRQL-KNIGHT 7E SNERtd00D CIR ENDLA, PA E7025-b838 IIiIII11EIIll EIIIIIIIf1I11/1IIIEII11IIiiI IIIIIEIrI1 it II 1111 Please write your account number on your check a' money order made payable to Capital One Bank arnf mail with this coupon in the endosed envelope. ANNFE A KRCIL-KNIGHT I t. Mew b Aveld a Pknante Chary- € t s, tree Prriod. Yau wilt have a niinattum pmow period of 2Si days urMirou[ tita+tea charya ort rww purettttaes: nwv t.YSiartae trarwtexs, nave wpstzal tairahaatxt and new atfxx cMrper H You PaY ytivr teal 'New Braencs'", in s.Iiouroanq wlUr trw Important Noaor for payertenta Ostrrat arwtirr Lttsp fari[~ob~ orudUud byy0urtwx7 saaba+wm ekiwitg tlaM. Torte b nn grwca paAtiri an cswh ndvartusa arm apeaal tratrstasa. In addition, prero it rw prwew period rxn any lransactipn if you as nM putt Ule ha6sl 'Irtosv faeatnow.' ~'~.. h. Acmuing FFnanq t:iatpa. Transatxlons wMrJa one not earbjaol to 6 grstoa period at! ataMrsad Arurtaa aharyle S 7 tram 1M dais W pie traewaadan rx #~Ifrceit iha data rite trtwtscaeon .s {ireoragatl b ynrr AapawM or 3j from !hw trs! attlardiar day Cal a+e txamnt bilaitg txdrxd. AddMt>ewplR yyou dW rro! pry Bra "hisw Butlanca'trerrt 1ha proWaus hitltrry peeled la full, }IrstlrMe ryiagpas aortitiua Lo tltX?'leo q ynur unfraxd extPntnar utaP itw unfatid tralanu is prd in fWl. This nxyarkt elver yap may Mal avie tlnarioo niiatges. Irtron H yai pay lha supra Nrw 6elanw intpoated orr ate boat M ytatr aiatarraHei'tfy the rand staternatll nWsfiip drtrae 6w tad not tfo r+a far Stw prwiosa raorxts. LtnPakt fiance rarargea era added wUie applfisbla turya,ar Apppiatt. t e. Wnlowm Finrrttar~ For nob 6ii'np pwdatl tlaat yniu nnooiits b aWijeet W n Ilrrnriat charge. a minimum Carat FINANCE CHARGE of 9Q.80 wtA ba imfwaea. f a Temltxynry titrduaFat at PirleviCa Charge. Wa ralrrwe pie right to melt Maaae artyar aN America chargrs felt ta,y given hillNng pwrfod.. 2. Average Dally BNanoa (6aaNaanq Maw PutchaaeaJ, Fircarsoa tdtargr b aalctaaian by nailBplYingg for rlaiiy bstancu ar each sagnrune at ytxcr aat~um (®.g., caweh aiiwttaa, pusr3leae, afterASl trierreter, arrf aper4,l puranaseJ Ly piw mmaprxading easy periodic rsfe(r1 that has Crean pravtouely diadowd to you. At Uw arnd at seen day Wrtng asw t>esrg pMtxP, va apPN Ave daHY tyorirdle taro larstacrt satP*tant M your aooount m me cagy balance MaaU+ sagraarx. Than at ItSe and oKNr 6plrg panors, w.a sad ap !Iw rawer of pirtar dtlily aaleulat(otia Lo aRMe eR your paiotfitr fitancw otrsrp. tar nett aapewnt-1Ve add IRr Ara rltwrlts tram earst aegmem to arrive M titp gtal perintac Ananea eharge Cyr your scream. Tb grI dre rlgity Itrlmar for smell aaprnarri of yrau taXtylim. wa tale the bagyrNnp asterrca tent seat arpttiara and add arty nave trenaaatitires sea +nY par'iedtc tktertee Gtarga caktitalad ost pro ta'OVbta day's Oelartco for ltsnt. segment. CMS then rwattrarx any fwymmla a aistlaa praigd sa rn p,at tray Ural aro aaoeagrt ou that segment Thy yivaa sa aw ar{araq datly treirncs for mist srprrtwa of y«.r aeanurri. Hnastwar; tf yea pttia dra New Balartan alsntirt on ynur Praviiosa agtamwm in tuN (ar Hyrxrr nsw gatanrxr was taro K a Crodi! emotasl: new tronaaMlorte, wttidt past [O YDLr purrJnasa ar IfperfYrl piaChasa eegnierrla ant Hat ached W the daPly twfaltpas. YYu awaaata rive average daNy nalwrx-a tty adding aN thw dr@y Mtwnnaa ttxyaptar and tltvtdkg tt+a sum by [hs rawnbrr of dte days In rate tarrranl. £inxng cycke. To srlwlata yew twat tmantx atairys„ mrit+py yvxa awra(ie daay belrrtee bythw tsyiy pKiaesc rate ana ny the rxanlxsr d data in me la9atp prriw/. Okay to ruwxiltg an w dsay txlria d duo q mtMnrum Anaitaw tdtrtrye aaaarrnant. AIMe may bn a vsrimdl ltetibaein pale caICUAaUCn 7ax1 aaa errtotynt of armada cfaiys aeanAN aaanttsea. 3. AnnuM Peroenttpr R7tM (APR}. a. Thu ~trrni rAnnttal PuMUnggu Rap." may apprsar rts'APR' rx! Ara trmm aI Chia titatemem. b. It the ands P (buarar+y Prime). L;btargdy LIEbR1: b (bwinarly l`.D}. ar S [BardamM Prime) apptrara an tlw frank nF rtes atagmwnt rwrt to the taataata rote(s), pw pariaran raga and mrreapbm}Ftq ANPM,JAL PERCENTAGE RATES my vlYy yeranaety and may inpraiM tr daeroaae tiaaatlan pre aklled Ittdkeea, ea feuntl in TM Mtail 9keel Jourhpl, Hite Me rtaaryin pravrueaiy. d4sdnasxl b you. Tltaea tlbyrtgsN wYl tt0 rMfettlva on the arst day of you balhig pafad casarnf try Ywu prtrtodic aralsnrertt endyig Fn pre mamma of )snotty, April, JWy Yid Ocldiec o, fl pr otnlu 6 (AAtaftNly Pdrrwr). F (Monthly LlBbRJ, rx t3 fTreaeury LIBOR) tlpp0ero pn tfio ltpnt at your 6t80DMam next to pre panodla tote(s), Art Pestoolp ratwr reef txxTaapw+ding ANNWtt. fMERCHNTrkOE RATE$ may vary marptsy' and trwy hrraaear a dlatarasa taaard on the staled trrdk^ras, ae tatrnd tri Trw tNarl Btrart Jatwnal, pia Ur margtn txevtoualydfadmea m yrau. Thsaa charge wdN be aHeWve nrt pre 0rst doy of your bitlhg period nab month. i. Aaarsaroanl d Late, t3yaAimp amt Rrltrntrd Payrrwm Fan, Unthu the qmn rn yw,r txtaaamar aararstiw+4 we rayarva the ttpfit i9 tW ive or npt W A9apep any' fan VtMfpW' tatnr nrnMfalWn to you wtthaut wpiwigg aurright to aasaasthw aria a almNartraaa! • tagrarne. '~ 5, Aanawkyy Ybur.Aeaourd. H r memtrarohip iw appears r}h Chu (rant elf ypur tdpepnxyst, yed ttatirt 3B dare Wa sgenrrtattt wn ttWind q you m avokPayirg pre tea sr en have sunk tar Oradirod m you it you cent your ritryusm. wititalH tlnt(ng to tittY mr rnembersntp fns.. To carpal yarr.-oooialt: yyoouu moat naay us try wtltlng atr Cuetoreer Rwiaspru Deoanmrm. Ana pay ywu'Naw Bahnaer in tut (asdudtrg thr mendsanhlp tart prior IIo ttw and of ptr thiny.ttry pariaa. S.. It Ypu CtOrr YOarAaaoprtl. Ypy can roQlNat to dose your atxount by aailinp our Cualanar RNaatxta Doparanant. Yau mutl destroy your ixadk catd(aj and acrwtad access dteeka, rartnsl tNl proauthonzed alBng earl risers Iairrg your atxarurt. Ntrtr yqur reposed to doer. H you ixxtanua to transrsp or do rxyt Cancel ptaautttadz~ WiNng arran0omonta, ws N~gl xara6ler reraipl'. a! a t3awtyr yrxx auatod:adar !n keep your nurnum germ. AddNiaraiy, Yd+r Antrdum wAl ntU be r.dasaP umtl you pay all amounts you awe w Inrsurtutp: any t+ar+seeUata you Pwva.authtenzat, Arwrro dwrges, twat due finm, ovarlimk /eew, rolurrsedpaymsnl fen; crab aMvartcrr teas and eery ether tees easeeeed to yew aeaounl. You era nteparlsiWS fw thsw anwunts uttHhar PMy appear an Yawr atxxxint at Chu pmt you reauea to dray ttw atxw,nt w Utrr' era Itx:uRwd aunaatpranl !n ynra regr.xwt b tlaaa dte annwrm. TNa may aaidl to rJmrpas appartrtp on youraco:rum attar' yvu trays rettuestad dte acaotatt M be abased. .. ,.....a .o..r..e.wun.. rotxr raio.or aUCbum [•awrnnt be rata in aassnaclim wWt arty hatsmmr gan'atling Martwrr,A(sxts. a. Notb About ®rabonka Cbaalt Convewston. When you pmvide a check as txtymnra, you arratortze ua Mher' W ass yrilprmtrpan trash !^txa ChrCk }q ntaira a oneame ekraaontp Pund yartrfar Croat Your bank acaeura nr ttt prntwas Ina prynswnt as a Asada tnnaactton. YNren vw use tMOmtasipn frwT your ctlsdc M make an rrtectronk: fund trarisfar, htntla may br: wI Prom yrxir baeik aecoutxt as won Y the same day wa raoehra ywr WYatera, and yaxa wltl not reCaivo 7rnur aPtrck Baas from year prinnpial itapWtltat. BILLING RI(i'fiTS SUMMARY (at Casa ofEmxs ar Quoatiosa shwa War BW; i! yror mark yocr hNl is vanrtp. atr s yea Head mnra irdennatbn on a tranuaaaon w' bitl, erfda 4a Us On t 6ap0Kwq tdtrprt as sawn as pO66Wie al tixe addreaE for tngstifea shown sxs ale PrOrd of Ub sgtdmem, tYe must trmr fmm yes np l~Y Ulan rib days after we werx Ynu 1M first 6U1 an xrtidt dte ennr ttr prtrbtsm appeared. Ynu aen aaa our Customer RNetiara number, boa ddtnp eo wtN rxd tiroaarve ygta dghps. In ytxtr h-ttar, glvs ea pie ~tlgwlrg infoPmatifin: yoar name stet aoaatm nutrtonr, Iho ddlat amoum d du suwpratad error, r rtaeeripdon M the wrnu and mi expiariatlon, H ptoesibls. d tst+y you bellow Chase Is an rrrrx: ~ H yw nomad mae iritonrialipn, a dawcrgttitii of thw item you aro unatue etlalt. YOU da rq1 have lu Pay arty amount ar tasra9un whae MB ass 4tereeapaiWg it, butyou era a[HI oblipegd m Pay rep IMilte d yraJr bNi attar era not (tn qursltott. Wh31e ve IRwaalEnte ynta' tYU3apaA wa 6arlrltlt raper! You n dttaexgrant er take any agion FO outlrdt aM aniwari ytxl ttta61101L ~. 1 SPOOrW RWa fps Crpalt Card PI+rdlraae H you metre a pnptiym with arts gantry M iirriliarly nrarnrvfees that yw tx+reahaaad ysUtt a eradir card and you have NSSd in gwod Paeth W CaReri the pnttrkem wtas the nwRBrasu, Yvu na+Y Mw Prw Hybl nca kt pay Chu runutnag a+wxud drat on the papparty ru aruvkae.. You nxw Ihkt Pnmeatltm nrgy wttnm [tie purrJUlSe prtrit vas mrus than 550.00 arW the pardon was auM et your home sate ar vnpvrt 30b mUn W your rtnYtirrg ars4rsar. (It>A+e awn or avrrwa Thy nierriwnt, orH esV mailed you irw eWaraaannnd fpr U+u iuteteny ar wWres, all quaiarute sea rrtwwed repxdxnw ni srncunt ar aacaedon of Pursdran.} Plrutaa rrrrseritbar m aipn MI CoRasporxtenrw. 'P' fAOas Hat aRAn'PY ar cosururntrnon-cra(tk card a.:rruuya :k. Drtrs rtru aopiy at bsa0baasr rean~Pradfr nmdaacatarrs Cupitat Orxi supports inforrnalicm prtivncy proiaaian: sea our wrebsite st XAA'.~.KSeAIp.%i[I9Sib,A.pi,,, G{Kfai brw It a leawatly ro8atrxed service nsark t# Cepfla/ Qua FlnanaiW Carpnraaoxt.. APt dglris rocarvsd, 1)2000 CaPSaP Una TC,•06 of UCaCUB - tl -'t2e2tf0ii Yrparbet tfo0aw; PryaieMS Yea nap m ~ wd bs sredietl to ywr sRwM art W ate 6tafna5r daX x~e eeeeivs ~ aroWea (i!'e'ia+ swid tltr trolltxn partiart at'dus slatament eM ycx alias, a~ the endpsed remdtrtroe em~atcpe era! P.`3 your PaY*aerl s reOeired in. ax praaaslrsgutnty M' 3 p.rl. Et (t2 raven PI). Pie»aa save al Itra1 Nrnr t5) Iruaancros AaYr ku nrabu tlrxraary. HrymaUa sooeiv061iY Us al any tsfsar badicn Ur at A(q'aE!M(aYm maY afitne cMlbA aL W IPe AaY w6reaala arena. Ocir twsineib days rcs Mmtisly tY(xr3!'t SatvrWry. axO4Y~irg taaeayr. Ftaasa da sal ate papa[[. pacer ores. etc.wser prsPaeiryi Yaks payarm. Y71rm Yom pra'.tda a dhrat B paymua6_ iwu eW?rarue to der et uaa rrffmaalion tram yrour erotk b nitre a sra-Yens elacitaue Iona transfer front your aaaaunt ur Sa pr~Qeea ate peyrneai as a anew; trarracaon. 54hrn wa Uae ir!t3rfCttPbn item ytae GfUtCk to reads en •dtdrWlM ilYtl aaratsi; 8x+mm may iu aahdrr4eat IYiylt y(ax acmtait as scale as ihi rsrnte Aay xw Rn-ti3rh yKar'rrYanils. am YuU sal sot rdaartx yeue enOGX otck Cron: year rnanaiN irsliArWki. ~ what's in your wallet?" MADE A PA"V'MENT. AIVCi TAKE C©NTRaL s~~to OF YC3UR CRE©IT IAtITI~I CAPITAL. QNE~` Your account is temporarily unusable. The good news is, by paying the amount due an your Statement, you can still bring your account into good standing. Let's work together to bring your account back to goad standing. You can make a payment with our ~€.~ check by pone service or speak to an associate by calling 1.8OO.95S,66OtJ. ~'? 2r!!Xi L`rtjiiiusd C)+rr Srrr~icer, lne. Csrl+irst! C)>tr !r .x frrlma!!j~ re~airrerrel snrri~r r+rrrr~. 1f11 ril,+hts racrrerr! +x000 rn.0a5t?3 Previ~s Batancs P FINANCE aytllertts 8 CredNt»s CtfARCiE Transactions Hew Balance r~nimum Paymertt Due [late $509.79 - $0.Ot3 f $12.35 + $33.90 - $558.04 $81.40 Feb. 23, 2007 f~ec, 24. 2006 -Jan. 23, 2007 Page 1 of 1 `='`' PtYRSE p4}' Ar :fAS3 111!5 4MUlAi€ ~~ p~~m ~~~, You're betrznd by Uvee paymerrts. That means ytau are t~nporar#ty usratye 1a nice new purchases or ;let rasa 52$1..1528»2T48.73g1 advancos. But you can regain your Capita[ One charryng pr+vlloges and bring ystur accowst [acetic mta goad'. starxtiny by payarrg the ampunt due on your stalrrrrlersL tf yettre IravirxJ financial cliffleukies arut yours feelirsq Your Account InftDt7t'iatlOn ovarahairraed - we want to help. Give eras of nor assasciates a calf at ? _f306.955.13f1p). Yana be saerprisod what v . call da together to work this out. TOTAL CREDIT LINE $t~00.00 TOTAL AVAILABLE CREDIT $34.3.98 CREDIT LINE FOR CAS}-[ $900.OQ AVAILABLE CREDIT FOR CASH $343,88 Finances Charges fi~aa~ sea reverse fnr irrtpoprpm~nd~t informattdt) applied to P ~~APR ~ GFE PUfClta9e5 $515,$6 0.077[2'% D 28.15°!f $12.35 cast[ $ta.on o.o771z~, D zs.1545 $o.oU ANliBJAL PERCEtVI"AGE RATE app®ad tills period: 28.15'% At Your Servl~ 1-800~9033a37 To CaIP Customer Ralatians a ra namrt a mast a eWlen cartl: I~ Seeid paymcats ta: 1(~ C~iai One hank P.O. [3o+c 7(k3a4 - CrlarWSta. NC 28272"(bFtN4 Credits & Ad~utstmen Transactions 1 23 JAN PAST DUE FEE $29 ~ 2 23 JAN PAYMENT tIROTECTtON 1-BBBw27-8904 gq.90 Under tanns pravrcxrely dtstt to you, soma or ail of ytwr Anrnlai Percentage Rates {APRs) trays been kltxeasad since your aocouM mores past due price in the past 12 biNing tydes. If your rates haws already Irkseasad, subsegtlerd deli exteruled the duretion a6 the ins rates. Remember: H we rsodiva yow mirtlmum ntorrthly paymel~ m 5~ far 12 txrrasecutive Mang cyGes, this aocouM »At ba reviewed for e possibi® rearm to your Non-tnhnckx~gryr APR. When you provitle a check av payment, you eutftorvza us alitxxt is use iEtformaGtz's iran your dlasck itl make a one-tkrra ~Ctrunicfund transfer tram your accotxtt ar to process the payxrx~rtt as a check iransaclion. When w uss irttOrrrratiml from your cllledc to make an eier:Wnic fund trarlster, krnds may Ire rcethdravrte irwn your acuxn as soon as the same day rule receive your payrrlent; and you wit clot receive your check lx~c from yorx finarx~ gtatbUbUn. You were assessed a past due fee because your rt~nimum paymeEtt was rat received try the due date. To avoi Send tnquir[es fb: tuts fee k+ the future, we reoommerld that you aNow et least 7 business days for your mirlirrklm payment to rest Carami o11C P.o. Box st12B5 ~t lake r.~y, ur BrttJti.o2s5 Capttaf One. (iii `.ifi :i!`t. 7 7:x ~"'(J"l ~?3 'r.~'e`,,F: .~ <~f 'Z ::=1~E3CtiE)°.~,F> Pt.[J15E RETtrrtN PC3RTFCYN BEEOW WITH NAYMENT wtwr`s in ytxlr waliflt7* 0 5241152€127487301 23 ©556t74€]73703t3U61t]Q7. New Balance Minimum Payment Due [}ate $556.04 61.00 Feb. 23, 2(107 Pt.EnsE taAY AT LEAST TtitS AhliOUNT ~kmaunt Enclosed Capital Ona bank P-fl- Box 70bi54 IIIUIIIIWIIIl11I11I1 Char loft.. NC 28272-0864 E II[IIIIII lIIf lfll flfllll Elllltllfllllf1l11111IIf1IIIll1'.II/IEII Account Number: S29t-1520-2748-7301 Please print addrrss or phone number changes Fr¢Fow using blue or black ink, aakire:: Nome vllor+e Altemaraa Phone - ~rrlai7 address a900247989E32532Da E1AIL TD NUPI6ER ANNIE A KRflL-kNIGNT 73 SNERYOOD CIIt ENCLA, PA 57025-3838 I II IIII1 FIIll EI IIIIIIIIIIIEIII If 1I11fIll It IIIIEIr II Il III/11 Please write yaur account number on your check or money order made payable to Capita! One Bank and mail with this coupon kt the enckrsed envelope.. ANNEE A KROL-KNIGHT t. claw to AYrokJ a Pirrsee Chavge. t a, t9rrar hriod. You wilt haw a minimum pmaa period aF 25 iLya taMtroee RaancP choose an new pPrcfwsua, nrew rNStands trarlatMli, new ilpefaial fw+riraraff OMf new r)Ster' ctwrges S Yrtu P+Y your brm 'NOw beuanoe". in eiiU^rdenca owSa its Imporlem hlotlae f« PPYtawtta baiv'M arrd €n drtw kult io lee e;rudlurd by y^urnrea tdaaovrtrrnt (tkla(I!p dnn1. TMrtt hl Ra grace pedtx! tat caktfr atlYenGelt veal apaWl trarrtars. In addniors. Steers h no goose oaNod ql'1 w,y tfailad>ctaon at y^ll do nett pay me WtW `New betrnor. 4. Aoonttng Ftnanu Chetge. Trartaagiona taFNCla ero not 9RJb(aCl to a grata peufaJ Oh eraaasd dnaradr dfarga t ) fiom Sae dour of the waYaytwdkyn «27 tram doe fiats tM trantncaon .a pratatseed iu ytata da0uum w ~) from ens Tart aakxtdsr rlay of flee current ltif6lg period, AtddtlartaNy, yytw fits nol flay Vas "New ~lenra` from tM prrvloua 6inrng pnriod iev fdl, flrutrtre dugea aolann;ae ht er:rrtxt td ytwr urtpalat MNrtae vaatli tlw unpaid haWtraa is p11ix1 of tall. This ntearts drat yOrs may wNl aY.ar lanartta ahargr, aeon S yov pay the anus New Balanas utdk:aed on its Rout W your atatertwnt b5' tM rood ataternnnt eJeefng de1a, bur dfd real do s+a tar its pnrPiors rrgnfh. tlnpNd franca ^ItPrgr Pre added w Sts applaaebtr aapnasnt of your+noaawa. t r.. nWtlatlem t-kwnew Chatya R« rmrcrt NNNnp prdad tltat your acooraa b wt>jeot m n Nnrnnoa ehrfrge, a miMmvn tad RttIANCE t?lAR6E d d,U.50 vsa M imposed. t 6. Tamp Wary ttaCudtfat M Ptrfanea Chw'aa. lt'4r raesrYS live right ip atdf anrna any or all Snwtca (d'tnrgae tar arty 91~+' bf ling parlPi(.. ~. Atvaraga DaYy tSalanoa (MrJudirtp Kew PuraJtrq). Firtanua charge w aaKadetrW M muNplyintgt the daily batartcu of ereeh eagretent fit your axauad (e.g.,oarth rdYmaw, prxt3taae, ePerAal trarWm, and aPluanl purrsharJ ny Ste aoaaapond "rig defy pamdio rate(e)1ttN: has tern preWOUaly diadtYasd ld You. At Stw acrd a aactt day dtttfng the pilNrrg PMad., PM apply the daNy porbdt rAte tbrarM rynw,t of year aoeoum td me deny bolance of aaexa sagrrrrt ~TMn at Ste arts d-fns bWMg prvWd, two add yp love =eruMs ttt dwaaa daily talcuiatiorsa to aaMer at your pedwSd ansnw WtarHe &x rtYt sa@'neM. Vya add rq the rtrwtat flan Cash eegmerr to aMvtr Y atD feel pwiadfo Snence charyp for Your aawrm. To Wf the deity belntrse for rr3t aegntwn of 'your aaaotlm. tYtl take rie bndineynp balarraa fnt aada saprtwrnarts add any nawlrMlYlgtr^M efts anY iwrfadfc ttrteraas ehwgea cakrtbalad on Sw itrevlotu tliy'a balwaoB for itun 4agrrMatt. Wettwn wllltrere any paymmde «rradNa poaKJ Ae of mat day that era anoeacrl to that. augment. The gitroa vs Yw aeparWS Maly bstenw for rch seprrwn ^f your a^^aulri. Howrwor, If you paid ma Haw Balan^a ahawn on yrnre itravtars wtatnmwm In tun trio Nyrtur rww lnrtanr»+xr zeta w a rxeWt Maotmtf, nave asertsaallons, vdudt Poal b your ttUfdrtRae «afwaat praCMes aaKtwtUa eta not added w the dwly txNarletas. Yya GPIa11iAC trw awra{ys daily halrterw by wMfng m~ tlna drery fwirtrtraw uagwSrpr grad divktlrtp its was bX the ntattuer of Itw rfelm In five rasmaM henng cycle. 7n ukulste yaw irAM fnwtW cnargs, muflapty ywr aYel'aQa drily belnetue by tlw Mtly pafodac roc and ny doe nuntlwr of flays rn ria 6iilnp period. Dtra m munr6t8 on a dray brrir a duo ri mtrMnrum tbwncr chrryu araasman4 SIMa mttY bn a wJdanea Mlwpsn 3Na catattWlrn letd pre IarMiatf of tinrPVCS eharya ftaaealry atfsreefl. 3. Mewl t-avesntsys I~rPr (APR1. a. Tlw taint `Annual PtttdPnfaga Rata" may apfaear as "APR" era the tmm r/ [hM atatemam. b If Ste Dods P (QuereMy I°rinra). L (Oratnarty L180Ry, C (tluansdY CDJ. ar S lt~artkasM Prima) a)parra on the hrml Pt ihi6 atalsnwnt tturft 1ta eta danudt^ rais(e), iha pWitxAa tales alai crrattlpavlktN ANI~JAL PERCENTA4E RATES may vary purrcry and rrray IrirYleasa eve daerarua booed on ms eccled sdkxta. eat found in TM Vnyli Steroel Jouawl, pMr Sfa mnvgaf pratriexmly tl6tdwutl sa you. Tirra eriangrrexulll be etfectNe on five Bret daY t# yteu atnrtg Pwktd aarxrtd by yaa parrotlk:: ataMrrrettt wrdirq rrr Ste maapte eat January; April, July wxi Octottec n. I I Ute audP 6 (hlnnthly Ptnrw). F (MoMWY L186R], tw O (Traaaury LI90Ri aVlaaira on qte host of your steal rrrent rwra>d fire prroeMe rac(e). the peelodb raves artl raJrr~eepnncfnS ANNtfAt. PERCENTAGE RATE. may vmy m^rWUyarxl smy irtorta ^r Wmaera WtatxE on tM Putted irwaGYe, as touted as 7tw Wau Strsst JountN, ptUa trio margin prrtiourydtaderri to ydu. Tlteaa chan()se win las eR'aq(ua ten file Rest daY tN yxwr bMlktg parbd assn mdrtyt. 4. AaraarrM d Lela, 8vwlinN and RetPrrtW Payrrnt Rat, iJ'vtdar ih0 larfn! of your' OuatUmllf aMJrawttan4 Ure rparphta Ufa right 0> w83YO Or net fs sasses Any fees vrNhatt poi«rfr%nUttrlOn CoydUw4hratt waiYing tStatiphl W acres fire same «ennnarfrral •lalartlme. t 5, tlanaaNrq Your Aesourtt H s mamdrahq tae appears on the front of yurJr atalUngast, ypy Mw 3D days frtett thrr mete We sgllerrwnt was rtVaikld tO ycu >A avokt payMg fire tr K to tmYa sutlr it arrdWd to you If you nenrst your etwnurnl Ydtlwtat rtavtnit m PeY ms meMNtahip foe To CarUbl your AOOOinrj, yyOoUu move rrdrdfy VS by Galling aJr Cuwomer Reusddrra DWanmsm orb pay your •tVew 6etanoa^ In rue (satlralirq trs rtrerauarehya }aa) }oleo 3^ live and ^f lire th)rty-day perwd. (l.. If YOU Ctdae YOItr~6O0Yld. Yltu can requew t4 ckaes your aecrxant byesliirrg our Cuafpawrftelatgarta Despanaautt. You move draoY Your cradle rasd(r) argil acmun acraasr dracke, Detects all prawthemzad MLNnq and test unirag your eexrolxnt. ARer your retNart to Gone, d you oooaravw to traner2 a do not urtoal proaudrorlagl biMng aaartgomdrtm., wa Niel mrWdw'rsrriptd a dtarpe ytwr autlrodaalirxr M kris your aeea.rx open. Additiatatly, your aoaounl wNi rwt ba dosed utnn you peY ail amounts you awe w indud'eq: arty utaaerr:tiate you rwve autttonzed, flrrArtee edrtagas, prat dale lase, sxerSnra tans, tatuartnd Paytrxwa tar, rrah aMvaxtns teas and eery MMr far ataaesssd to your aeeastnL Yea ero rePponabl4 for that amounts YrtNlhtK they apprar twt Your Account at Swe arrw you request to dune the atx~t,unt or iheX sax inruaavl autasayraedd to yorw rsrgtwat to rJaevr rho amrernt. Thim nwy foetal in rJtwgss appearyrg on your rornurn eftw yvu haws requaeted five aaxtvmt wt tea closed. y. Wing Your Acoottrtt. Your cnrd « account carlnat tin wad irr tmnneotlion witty arty kscmot gmWlirryt trorrsactiwta 8. Notirw Ahore Ecotronic 6htask Contrtweion. 4Vltart you provide a rhsdr. r takymsrd. you araSaatza ua wiSeartc we mtMmA6un from ]into clrack 4e make N aneilate +decvonB¢ kind /raruRar from your bank ect»um «tn prooaas mr paysrwttt as a rJwek. trarreaati^ea. Whwt Pro uaa intomtefityn tram your aMrJf to make an alecapnl^ Turd trana}or, funds may tx xd7rlrawn tram your patek aecuutxt ae aeon r Sw cattle My we raoehre your peyrnanf, and You xva not racaivtl Ktur Qhecdl baeft from Your thnmtdal n'ya'pteAlon- 87LLING RIGHTS SUMMARY (kt CAlfo eN Eaora or quaatsana about YOUY BIN) It you lFthlk yntr lra la P.QnI1lb. M a yOU naafi /rartfO infonnetkan Dn a barrtaactbw a' fin, twric to ue as a seprrrtm artaN as town as rroeaNas al Sea Midreq ear 5tyttidr eh^wrt nn Hw fnxtt cf Uais smtomem, tYo mntt tvrr from you rte late:-r dean NI? Mya tNtar wu sarx you tlta Sral hiN fur vtkach the error «Prodrr. apprtared. 1Raaa ^en cats our Cuatamsr Reaaskma number, but dokiq so vela owl preserve yoga rigltis. In y^dr letter, give ue Ufa t^Ikawirvg rrtfom.epian: yax rtnerto and aactwnt nun WoP, Iha dWlar Smutmt of tlur suspaclad veto«, a rfrcriPtbrt M me sore nrrd an explartaSrYn, N preaaa, of why you btlltew riaro In riot attar; a tY yw, newt maa infamalion, a daadrlpti^n d the item you era unsure atrrwt. Yew do n^E haPY W Day any amount kt ttarae5un vdrad Wa era inYrepat6q k, but You ere alai uiniaaMd to PaY five perm of Jroelr hin that are not kt eturtldn. YYhfk wo krwatiifrtc your ttttaati'aR Vas ^mx4a ApDn Port r tlelinrRrani a take any aanon ed tmnect ne amount yw Wasluat. x. t Spoera ttuls for L'redit card Pwdwaae rr you hate a ptmttirfm vrnrt five ratanty cf prapaxry ^r aarvirea that Yoe purcJtsaad YreNl a oadk card and you Mw trier} in good fsdlh w r:orrrrt fM pmbirm wNa rir rnaratry, you smy haw Ave nin kt fteY wU aanaktlrtg ruuUUra Ww ^rt Swi property ar aetrvieea. Vau hatro true pmte^tl^n arNy aihtrn the pumJwee was mac than i50.n0 and fhe purclues tvr node kt }our Noma atlns or vuSUn f 00 rritw of y«w rtruilutg addrar. (if ra own or atwrac the ma ©tram, «it vw rrwi6ad y[3U teKa AdYamnanynrl far thU (wrmarty Or' awieea, an rax73urxee ado rnrersd regardMea al am:wnt a Woatfon ^? ptwHrasa..) PWas remdanbar to alp+ all uoa~rrpondanrs. 9' Acaea ndf aAfrlY kr drarmJrrter rrarlcrerftf carts srrnerrtLs Dram.¢ not qupJy b fateksdas rtaxa~aad)t rsyrd,:recntxtrs Gapitat C)raa suppats IntMmabnn pmrrlCy lamlaalian, aeU aUr utrbene at 7h1NN:4ap8S.kJ11.a,Q.R!*!~ capict Orta la w roda.any rrgaaterad eruYiga mark W Capital Cote Firaartelal Corltoradtut. Af nghu roearvsd. R? 1r71itt Cappat Una TC-ga O t ec;AL~S'd - d - 12Mt Ylri tmptxbat ttalios: t'aymerte you man m us as br aaaWed M yww a~ruM s» W ma bauaaYC dry xm mxavr F arazdM r?)emu vend ate DonePrs {;rn xt of Ca,s rlatenwnl and yew onarX in tl+e rnuowd remutanw erxelopr and ;1) ywr paY*'ir+a It raprrad in an Prroesei~y oarda~ oy 3 P.n:. ET (t2 rr>cm Pfy. Pi.aw albw al twW live l55 lwaawee doge Aar POatai r aliv(ty. Paynastla rroui!aW uy us al 8ry dfror badkrt m xt arsycfnar tnrm may aritw dMa'ao stmt sat day we tatew mac. riot tximrrw days see rx v9ny tmnuyr S,iavEay. rxer..rtprsy nosing:.. Paaee do rid usr rlaptps, pepar dR. arc. wMn prrParlcg ymrr paynant. Mtxrr YW ortw+ae a onrct as peryniaa,. you aitaorae ra: ether a, usu rtlorrnatircrrr homyaur CAKk ~ make a mP~ertrr Neclrasb4xai blowier kom your auoupn as am Prcoru mw paymatt as a dtsa0. hansadion. 4+ftaea wa uai iratarntanLrrs loam tik6 GM^k m ahOKKO at iaPCCtr4niG lord karzffnr, funds may Ln wigtdr8wn litam y5rrr aunt 8c 3#axa a8 ari sud*.e dryxv moors yur Pa+yn. Pact, smu Yot+ ~I rsx+rerirr y^a deaek baUC ta7+ yurm'inaecfai nslNeam. what's in your vtrallet7` MAKE A PAYMENT. ANQ TAKE C~JNTROL ~`~75 Olt Y©UR CRE©!T WITH CAPITAL ~J1~iE~ Your acraunt is #ernporariiy unusable. The goad news is, by paying the amount due on your statement, you can sfiili bring your account into good standing. L.eE's work together to bring your account back to goad standing. You can make a payment with oclr check by phone service or speak to an associate by coiling 1.800.955.660fl. (?? 2t'1fJfi t.:npitnf C)ar Si•r~ryi~~ra, lru. [',npitx! C7nr it ~ fidr±-n!!y re~isurcral.arnrinr ?srrrr,4. A!l rights rpsrrx~rFi. Gt)ppt S^065D3 FINAN~E Previous Balance Payments 8 Credits C!•1A E Transactions Ptew Balance INinitrNSm Paymerrt Due Date $556.04 - $'137.00 + $10.92 + $33.06 - $463.04 X26.00 Mar. 23. 2007 .a. Jan. 24, 2007 -Feb. 23, 2007 Page 1 of 1 PItA,SE 1#iX Ar tF,tsr'rNls AMOl+~a t~sterCard Platinum Acctxlrlt Your aoatwnt ~ aroe payment behead. Remember that maVdng your trinirtt~lm pa!1Pm by the a3ue+~ate peps yot~ atxCk.%It in 1I~ standing. Further teed paymanfs may be repart~Y to the natic~aal tx~edil burs mrs. 5241.152'tM2T[8-7301 make sur® qcu send in tree mirsmum amount dl~ tc keep your ~crxa!:1 in gaxf stand. Your ACCOtrnL Inft>rltlattran TC]TAL CREDIT LAVE $t3t3D.00 TOTAL AVAII.AIILE CREt]IT S43fi.96 Ct2EDIT LINE FQR C:A.SI-t $900.OE} .AVAILABLE CREDIT t=QR CASH S43S.88 Finance Charges (Plearx sea ruse Frx ~ intexnlateota} t3alance tale Pe7wckC t~orrasportcAng CttA~NRiE tippled to rate AMPRR Purctrases $456:73 0.07ft2'%t3 28.15'x, $t0.S2 Cash 50:00 0.0771E Jb t3 28.15°!+< $0.00 At•INtJAL PERCEt4TACE RATE applied floss perlai: 26.16X At Your 3ervica 1.800~tNI3.383T To ~It Customer Ralaticals or to ItporB a kls! or stolen cartl: Send paymarrts to: Cr,~atat :Ina Sank ~ P,4. Bose ?t>81I4 - Cxzartrzhe,. rdC 282)2•f1~I Settd ittgtlirie8 W: Captal Ono ~ P.O. Box 3Q285 ~ SaSt Lake City. UT 841346385 Pavements. Credits ~ AI:1lustrnsnts 1 26,IfW aRECTDEBFTPAYMEN7 $25.00• 2 26 JAN LATE PAYMENT FEE AOJUSTM $87..00- 3 23 FEB DIRECT DEBIT PAYtvlEt~rT $25.00- Transactlant3 4 23 FEB P T DUE FEE 29.00 5 23 FEB PAYMENT PROTECTION 1~$BSZ7-890A $4.0'8 tinder tames pcaviously dradosed toyou, some or elf of yourAnnuat Prataarlt9ge Rases (APRsi have been creased since your account +~ past due hvice in twee past 12 billing oydes. ff yax rates have akeady ialcr~8d. SUbfiaGt/BM ~atMNptBA)Ci6$ QMefxied ltle duration oI the IFlCn tales. ~: fi us reoalve yolx minimcrn matthly paymaM cx+ 4ima for 12 txmsaculive talNing cycles, this aoceunt ad! ba revierwe,3 for a poss8sla retttm to your Nnn-lntrodu4tory APR. You w~a assessed a past due Iee because yatr nasnktwatt paym~at,~ not received ray the duo tlazte. Tn avol tHs Iae ha the fir81re, we racnnxa~rttl drat ynu mow at feast 7 txaina~ days for yam' n+iaakrasn payl,~,r Sri teat CapiYAl Orva. Fi(; `it: tit'.,, "} 1'X ,. '~C)'i~~.... 'e."F,,',~SE: t <if 'd .;L2~?;;:~i(?.`ai PLEASE RETURN I>OR1'lON BELOW +MtTH PAYAAENT 0 3299152027487301 23 0463040025000024007. IL.ap~-~I/(~' ~ wrtat's in your wallOtr` 1 Account Number: 5291-i52©-2748-73U"i New Balance Minimurt4 Payment Due Barre $463.04 $26.00 Mar. 23, 2007 i'LEASE PAY AT LEAST THfS AktOUNT Amount Enclosed , Capital On• Bank P.O. Box 7088V lllllllllrrlltlllrl.ll. {ha1^iotte, NC 28272-0884 IIrLII/1i11r LII11rL 111llll lilts lllrihlll rl l,l lllil rll ri rll Pieas¢ print address or phone number changrs below using blue or blactc ink. Addross House Phone Rherrlate Phone C-=nsatil address ~a +900 SS79898325321t+ R1AZL Z) NUCIBER ANNIE A KROL-KNZGH7' 73 SNERtd00D CIR ENOLA, PA 37025-3838 I ltlllll illll11111111i1111l1 [l ltl llltl1111111111 11111 {11111 Please write your account number an your check ~ rrwney order made payable to Capital One Bank. and mail with this coupon in fire enclosed envelrape. ANNIE A KROt-KNIGFIT t.. tww to Avoid a Fitwrt¢a Citrrgs. t e. Wsoe Parsed. Yau wilt trove a npsrTwm graaa parsed of 2S days wblsaa tktarscs afirge an setae Ruretsaeaa, ttwv bRiA\N5e Ir'XMfATN, rlRw aPe~ttl ryuKhtlsUe nrN! neW AMlM chmrytaya a you WY yeXrr taal'New Bawncs', to a¢aOfdaM.Y asnDt the impartsM Noeoa for psyrsten4 babes. mTd In tlma f~rktalts e•/odWud try your rsaxt taakasartt ekDSktg data. Tlvtse M rrn grafon parlod tat oasis advan¢w and sPSeial aararp. In addlion, users is no grsas nerio6 m any transaction of ywr da nd pay ma told "New 9aYnos' b. Aoonting Flnart¢w Chtu'ga. ifarMAWOn6 vAVCh ire not sutNsct to a grace parted era asNaead Dnanoa~ ohtrtge 4 ) Wexn lisa daU aP the tmrwttctioet of 7) frets the dale IM tratanagon +a grssramsetl ie ywN Aoo¢uni w ~) front !ns hat calendar day to dro tuxrent ba4sg padotl. Atkigle>tsatl2R Kyau did rql pay yta "Idwrn 6alanrs` (tarn eha prevbus hairrg DeNPd kt full, flrsMVae Gtargea aexsdr+ue m a',i7lee to grout uRPak1 hilADneu kmrltt iM Unpaid lwkattaY is pWia irl tut. Tfrib encase that you may etm awe araarlae ahargae„ even M you pay the emirs New 8alanos irtdl¢atad an D+e {tent at your tstalaraent oY rtes nerd rtattenarasl otaWnO data, but tad teat dp sw tar Drs provtawe reoMh. tirrtrakl Ifnanca G+argaa are addeal to Ms a~li¢abts rat d your Accouter. t c. tignkrarm Finance CS. itr Nch hMMp perlatl deaf ytrdr a¢raotad is arAirr¢l b n tlnarsorsahrpfe, a Irdrsirrprrrt tafel Fts1ANGE f7tARGE d $O r.JO wit be knpoaed t 6. Twmparaty RMUSttpt tat Dirwer.,tr Chaa~as. Wis reserve Nss dg Perked. rosy a all 4nw+ce dnsr9¢e kx MnY 9t~Mn 2. Avesaps Odly BNan¢s (InaiatWrrg Maw PurchrN). 1=irwnays ¢hargkt to rald3atad try mulGplYaspp titke deity balavtca <rf uach satynrmee of your atarium ia.g-, aeah srtvaeteo, nrxdutaq apepktl transfM, aM s(seNSitrl purchase) by else c¢rraapmding dstY psrcdi¢ rsts{s) Neaz has hosts pravraualy disdawd to Yaer.. At tfta .end Of aad+ day durksg sera bllDng padod., wo agpty9w defy Datludle rata for oaale aaprnante#yarrao¢¢unt b the dally balanrxt efesod+ YgmaM. T7wrs N ttta acrd of 1hw bsattg PMr'rd, we add erp !fro teaWR N Mess:. riaity ralwiatWrts m ats'F.m at )our psdpol¢ letM+Cw deirga far seats wagrrrrnt. VNa add trP Sew rsOUlla earn each sogmant to wd+ra M flap fowl pexiatdre tk+ance d+arge tar yatu atsrarm. Ta gal fie rDrfY lrelrsue for arch aegmrrl of ymy a¢CaUnt. we taste tAa' begM~Mng Datw'r¢e br OeG+ aspstrra arq add any newerensaeuiats ats6 cry psrtotllC Dnsrate dwrge ralculelatt on rho Prevkws days hslarsao for hurt etsgnsatt. yMa lltsn rarhtrarY rust i:nyrnatas a tsadaa Pealed as of Mat day Mat ors atnewbrl ao rhni asgmsnt 7hb yiwwa ua the Nlxs+++ra dwty beFanca taF N¢h sapnwu of your adaouetl. Howuvot: It yew paid den tlenw Balart¢e ahdvm an ;tenet rynssflars sutamam in hrN (nr Dyour new tvrkvkxt +xJw aaro d a eroEit amatrstA new IroneaellrNSS, which poet to Maur purrfiafas Or spaG4D ptaphsRf MgeRMNR M not welded b ine dsfly tsWarspaa. YNV owaAaw the asmruga daYY tralanaar by atMNSg all flat teaay twUnrwa topcoat stet di.Adlag ites sum try ties rue?that of {M days in Ma a?fraM. aetng cyche. 7a ¢ekulsta ~aorn tdei fnM+ps rJwrye, mtaltiply -_ yvaa awirags drly tselrstae by dts ehYy gMinrAc rMe ana by D+e rssas+har W days in rise lsilfrp psdrxL Due b rwrcNsg an ^ defy tarNa ex dun to nyrynalrrt thwttca dsrge aaamlwmsrN. 1t)ya may be n verksPaa betLVeett d+ia raiculnlrn as+d dta rmount tNliesaetcs cimt{ro weerairy rDaaesed. s, Mnkgl Peroarltlspa RaM tAPRi. a. The tarn rAnnwtl Pureanblgu Rags snag appuar as "APR' nn else &am dW drM etratamwM. o. If Dte Dods P {Ouanarry Prlme), L {Duartrdy LE6OR), G fOuasuadY cDy, rrr S tearic+ard Pr"sne) apgwaks on the kpst stt rise stalerrsssra rakrYt to Lies Pialadea rMr[a), Uw Dadrxta nrtaa sad ctxrerllwnr#rrg ANNUA4 PERCENTAGE RATES may wry OtlertaN,ll and frstY irl¢rteBaa W ttoerssse baNd on Dse aWFed Indlexls, as tamd to TM' YWD 5Hrr,a1 Joumrl, phr ass naatgks INaaurtaly fliaelcsaWl byau. Tlw6e c)wrsgsra+raq be aRatdva m else 9ret day d yaN 6tgrrg Period hovered M your pexfodl¢ afetfrrrant endirp in are mandsa eN January: Atxil, ,Slily aPd Ordtsbar. u tf ale ¢¢dv D (TJsasdsy Preyrr), F {MsasDSly LtBOR1. a O {'Rosstrry L~OR) aPDSara on r}ra front rd Year stMsmaM naa b else lsenoego rotate), Ma peMtilo woes and laxrsapra+ding ANlitkU. PERCENTAGE RATES maY vary nsararsfy mat awY irtoNN tr danrewsa broad on the sfalacl indress, as found b The 1NSa 5itrrast Jwr*Y. Rkrs Me margin pre+Aaualydisrbaed b yral. ThsN eMngsa wqi M affra¢dVy~ en ~@ fltal drrY of your trHhsg peeled aeon mon4t. •. ANaaaraaRt at LNer OvsAimlE and RwlarnW Payment Fsaa. i/rMur lfw tome W your twaormer agrNrstan4 we taeM+ra Des tlptx ea tvaiva cir na t0 assOSP arty rice (nrtteatrt lMornattkxrtlan s¢)sote M+thautvasivkg! cuMgM W aaaessttw acme a slmllarAasal afaW Dena:. 't 5. Itaatrlldrtg 1MY//eeaadtlG tf a msmtwnhip iw ADpYara rxn the A'Mt crt ghat taatenraR4 ytxl haw 30 tlsya 8tsn ttw dear awe amReetsMn was nnetted m yes b trvoM poybtg Me fee er 1u have luaFr tN [l+edBad m you D you oases! yaUf etxxxatl vdgtald fwotrq to PaY N+a rnwntbareiyy/ Ma ra ewnbW yoln a6oDUM, yyooUu mlMt nog/y us by eytbsg arI' Cuetotrsef RslaDOns Department and peg your "New Hatrttoa" in tut jsxdudkrg the tttnnbaeats~ teal prior' b rtes and of thef DNny-flay parfod- 9.. It you QOaa Your AOeount. 11xr pan tasgissat to Gt»e ywr ap¢otnr[ tYy edPmg our Uustaneer RNagona Daparareent. You muM dewfroy your rYadit r~dja)an;! aaoount aaww rhetlaa.. aenoet W praaktthorszed bld€np aeW aeees using your aexrarrnt. Ate your reatpett to Gote, U yes aongnkre to vartsaa rr do rqt cancel pPOauMpV2od WIMng aRarsgomonta, wro vMl nwaltlnr reralpt d a slsnsga yrrur nuaeanaae¢n la kawp Maur aca¢rxn qxR. Add:NWnally, your wtsoauM wtl rarf tx Goeed west yarr pay aD amaunta ya, owe lie indrrrttrp: shy tra+kastrltaa you trove auttseatzed, firwnar dwfgee. {wet duc heae, rsvarlirnR Wee.. errhrrmk/ Payment fnN, cnah advnasr teas and any ether fees aaieeead to your aooouM. You era resVOtssfliGa far ihaN wnftwnta wtythK Dssr)+aDDSeran your aCLYxsrel MlPoU ttrr! Yea pKtWdt t0 drtaY dra arstarntw tttaY wkw kxllrrad aubapt9reM b ytxa reyrrest b daces me ckxxssrrt. Tnls msY raerA M rJwrgea I+PPlartr+Q an your eex.+ouM after you have reWSStead ttre sonwa+t ro. tae classed. 7. tHlttg Your Apcertm: Your rsrd ~ apwunt tyu'srsrat [ae aped in ornsnaaGatn wih srq Irsteme6 gerWtlarsg kYlnlpdionA 8. Noare /Wad ®sctronb WrsaGs QtrRVaraF¢n. tlWwn You Ora'.ide a rhsdr as Psymern, yew wurisodxe U® ether la use k+tarmatilwt frore yutr alswCk W rsragre M orre-fete etaobania fond yaesafar from your 6emk areasurt. of Ms pranea Me gaym.+t ae a GwcN trarssaclMrt. trorwn ws uea infamtadrNt from twrrr ehwGr. to make an rte¢tmerf¢ fund trartsfar, Atnds may trt vdtlvdrxwn tram yu0r frank accouter as r+aon as tw acme day ova rowiw tour psyersaM, and you wet not rauthea your ahrock bads from yDUr DYarsciel fgaDarden. BILLtNG RIGHi$ $LNs1MARY (en Caad or Errors or queDtinm atSa.R Your BHiJ li ycar D+kea year lWl la wrtvkg, rrr M you rsNb Rnra irrR rRwkkrn nn a tTansaGion ar bii, vrrdw to ua oro a sepaseas aheW as sestet ae paasgNe at iFfe addrrrea ksr 4tquldas shaven err tss front epf gsk etat¢rnarrt. 1M5 moat twat tram you no lean than tso days etl¢r we. wer6 .gnu s+e Drsa hill nn urftich Ehn eRar ar protrlem appeared. Ytrw aan rxe our Ouatarrasr Rbeltans number, bus d¢k+q so wiq not Praasxvw yotr dghfa. In year lariat, glans us Ilttr ~Ityysltyg rMOrmatiom your twine and afraWMtsUeakM; then d011ar anwunt aT Dw sus{saatscf arras, a eaacrkkfort t>a Iha error nrM an expianaNws, y Posaibts.. of why you tslrl3sw there h an wrcx; or rf you need mgsr krfarrres{"ion, a dtwariPliglt of tM iM}t gnu rotes unsure nbrruL `tau fkr nui have lu Pay 8ny MkArnl'ae rgeaaaan whta ova era invantigwttng it, but you era alts ¢blpatsd b PeY Dte Penpt of ytwr M5 lrtM are rest fi rPieaatiaa. Yyttik vra irewaapeta your ntrestiart, ova orusot rrNRtd yaw as dwerkwranl a tales any acxon to aateet the amount y¢rr qusstwn, #, # Spas~wl Ruts tqr Crodt Card Purt~rw9aa If yew hwtra a FrtMtlrta'n ~Wtlt Dsa wagrytN property eraarvlees d*af. ytw Pufaheead wyDe a euwdit sad and you trove tfistl in gpod hWh ka s;txrsd ilw Prabhm vAdk 1tw rnenGttYSi, ys~tr rewY trees tM nghl rx,t to Pwy flea rarrrauskep w+kwrn taco nn ktsex aknPerty or arlrvW>a. YerU ha+M ttWt pnntarYian eery-wfsrwr Nle puroMSe PrFee yas'f. Ti1Me than 550.00 and the putatseN wN rtnW In your home YMa ff v~gkn t00 rrDWa W your rktwilinp addrear, (lP tva ram or gPerstis me rRDrcttant, qr a we nwSVU ytw 4rw advartitansant fur the pnDtarty or ruaripns, an prrru+axae inn rnwerad ragaMlnaa M amrwnt w eaaMxon at pwMrrN.1 PMaes renarsMar tp asps a!I e¢eressparu)an¢s. J- OA6'S INN apf~ly tYi ~A(M1M' n4nKR fltf GalTA e.'N10AM+dS Dana trot apply to bualndss nx..~sararlft oarataa¢aw+m C'apigi ORa wpPatta informeu¢n pdvncry prttltwiian:: sea our wabene Mygyy+„iRw,g„Rktyolte,gayn. Calyfar 9rer Ia a /sparaxy regiatured ewvica aaark W CapitM One Finaax:lal CwDpmtkan. At dQhta rosarved, io:ZOgrJ CapDa! Una TC-hd U7 BG:tG~513 - e - 4Pf2t,flii Imporam naOw: Paymsrgt tau nsaY t¢ ra ova tae anmad to yoga ac4urn as of e!n oni+aM da]~ wo ea^.s:tis a. amr'xled ('1 ydu sand ors Ea6kxn 5nrtan atMrrs alalMnsM. M yor Mxa M: fhe ralaosed ra~aretarns enrslopeand ;1; your paymer3 et raaai+sd In our proassdnpnerdar tn' S P.rn.."r (42 rtnure PF;. frlaees enter ]I firm qw (51 ItwirNaa days bf Ixata! oGiray. f°aynsasn auea~wad b'f us. al unY is°har IeMiiws w m a134 a6;NR te'y1e may anti br CaM14tl RrW dM daY weranb10 ar4e4. Ch;! farainwrs day6 era MrtNttY L'xW,$1 SAeYrett. exc$.M.ir~ hrmatyf. Pseasn de rot use siapans, Pater arPS. etc. when PrsPai~ Ya+' PeYsranl. sooo co ,~-~~'~~ P.~SS f.. . Capital One"~ does credit cards-and then sorrel Need a car? A savings account? A loan? Braces or glasses? Capita! (]ne can l,arsdle it all. Nassle (reel Visit capitatane.catrt for a complete list of services. t`8~ al~~~j,~' I what's in your waltet7 ou cacltl n rm on TOTAL CFtEDfT LINE $960.60 TOTAL AVAILRf3LE CREDIT 5477.83 CREDIT LINE FOR C.ASf~f $966.t10 AVAILABLE GRED[T FOR CASH $477.83 Finance Chars (Please see rewxsa far IrrtporfarM ietamiation] sI~ pll~ two P c Cnrresp4ndug CF Purcftaaes Sd80.98 O.o77t2°.YI D 28.159b $t0.39 cash $ttoo o.Dntz~ D 28.t5°k, $0.00 ANhAIAL PERCf~fl'AdC~ RATE spud 1tlfs pedlad: 28.t 5X Pretrfous Bmianae Paytne~s & Credits GFtARti~ Transactions t+fawlr Balance fN~rthrntm Payment Due Date $463..04 - $80.00 + $10.41 + $28.72 = $422.17 $15.00 Apr. 23, 2007 •{4 Feb. 24, 2007 -Mar. 23, 2007 Page 1 ~ 1 PLYAlE fl+N AF tF.0.1r TWY AMgL~it iflCatlt Piatltx,trt Atxotm! "fRiportant rfotias"Under 1t19 terrtla We prelfiollsly disclosed to you, your aCWtYtt is avow eligible for an ialcrea! ~1.7S2fh2743.7381 k! Annul Percentage fides {APRs) effective knnlerxately. Fiourever, C~itaf One t~ elected not to raise your APRs at this tune. f he advised that B you fat to keep grow aceourd ~ good standing. Capital One reservt Y r A rtt t €O tDti ~ t(ytK to raise your APRD in the future. Af row Ssrvkx ~.eor~sle~-ter To caR Cuaromer i2elaDans aria r~or! a bet or stobn cans: Send (fPlylnenlf t0: Capiml dne Bank ~ P..O. Bml 7p6a@ • Charlotte, NC 2aT72-gD8-0 Send incplkies to: Capital One • P.O. Box ~2aS • Sa9l Ldce CAy, UT 8413A~a288 New f3aLince Minimum Payment Due Date $422.17 $15.00 Apr. 23, 2007 PLEASE PAY AT LEAST THfS AlvF6UNT Pa yments, Gred~s 8 AdltaslErntxrtts t4 MAR Fitrrdship Gwrtesy Fee INaI ver - _00. 2 23 MAR tSffi£CT 6EBET PAYftiENT $gt,Op. TfartsatztlOns 3 23 FEB PAYMEDfT ADJUSTNENF $25..00 4 23 FEB FINANCE CHARGEAD.fUSTMEN7 $0,02 5 23 hAAR PAYMENT PROTECTION 1-BB6~527.6904 $3.72 EiCSfi `.i%: f' 1 7 P3 ;J'i J:i"<'3 FAGr~; 1 r.~.f 'I ::"d F3f: Ei (;~SFi PLEA5E Itl;T'VRN PORTkGN BELOW w1TIi PAYMENT 0 5291152027487301 23 0422170051000013002. ~~' (wtlaa's in your wallatJ" Account Number: 5291-1520-2748-7301 Amount Enclosed , Capital One Bank P.B. Box 7Daa~( IILIII.IlI111111EILl. Charlottes, NC 28272-08E8y [ II/IIIIEIIIIIIEIIEIEIIIItIIIIIIIEIIII/1111IItIIE1I11I1IIIilEII Please print address or phone number changes below using blue or black ink. Address biome PF/orle ,41t®rnauxe Phone EmaFl add~ss ~ a9(ID8371898125321,a HAIL ID NUt18ER ANNIE A KRBL-KNIGHT 73 SHERYd9D CIR ENOLA, PA E7D25-3838 I/IIIItIEIIll t11/I/Il Il I1111IIIN III EI IIIIIIII EI /IItI EI Ik11 Please write your account number on your check or mriney order made payable to Capital One Bank and mail With this coupon in the enLiosed ernrelope. "- A grrfck glance at "'"' what CatpFtal Una ran da far yau. Car Lrsarts say 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 sn 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 brine rnedica[ costs into focus! Visit capitalone.com to learn more! Capital One Bank, Carsital One, F.S.B., Members FDIC. [ i. FEaw ro AtreW a F}nrrfca Chrrlp. t a. Gnsea -rrlod. Ypta wn# Mva a m}nimum SM'a~ Period of 25 days vJt»raen Anrnce ehrye on nrrw purelrrara, nrw nalklrldr tranefarr, newewpw'i91 wtarrlfalreand newatFAer' `~ cltat'ller»Ytx+ItdY ynaJ1°IWaI 'NeWBWnt:e", in sooordancs u with ttw lenpwrksnl No[ioe [or Psynxsnts satmu, and }n tlnfo lark ro lts erud»rci by ytxr nw ataaa,xYrt nklwNtp data. Throe kt nn Baca polar do uaah adtwecas and apaK3al trnrralars. In rddlaon, ssro [s rw graze oarlod on tlnY' transectson if yew do not pry etw coral "htevr Iaoknor b Acanlinp Fknanea Ghargs. Tranaactlonr~whlch are not rstOjse% to s praca period are arsaeasd flnaaos ohape 1 r from 1ha dais W thefrorwact}ep ar 2l?ian Ins dale tMe trsnsatliwn is prtxarsastl irr ywur Aaoaunl or 3f fiom ehe fast celoradrr day of d,e ta.eteret hi»Ik,g parlod. Adttf6onery, yyou dM not pay the "Hale Balrnca` Cmm the proWous bittny j pariad ie4 fi%!, finter,ta n}vatgey aonlMUKS to eRXa'uee W your untxgd brtWrrca [Maf ins unpaid naur,wrr is Pain >n k+IE. This rimers tMl. you may rtle or.>o anansa al,argss, awn K yo%r riot ttte amlre New Hrlanoe irtdlmmd on a,e front ~ Your sustermtni Iyy dip rand atabrnery. doatnp clefs, but rpd not dw aw lb »r {xtlvtotae raor»h. lfrrpald hnanca chapea sra added j ro »,e setP[ioable ssDnant of yawn n4exxJnt. t e. Wnkrtum Firkar,w Cnargr. F'or oath hlWelp perlaY art your ercatFa b autyaa tP a tBnenrxl thepn, s minimum tiael FtNANGE QIARGE o/8s.40 ail be in,poesd. ~' T d: Temporary itaduAxloet to FtrgseM Charge. V+Ar reaeMr ttM ~~ aaaaas any a an 6nrrree dAsrgoa ror any gwen 2. Avrraps DaNy Salenwa (MrJUdlnp tNw Purchrwb F'v,rnor charnrr [s calGtdeletl VY mu1GPlyseQ ilw deity nslara;u of tgph Itwgngnt 4f yaera4taourd le.g.., coon sdYSrtw, teurrlwaa, tyJergnl trairteter, aryl speiatal puu3,aae) nY the wnaepondirrp drat periottic rairlsl ricer has Derr preWOUaly dntdAysrd 1a you. At ftitl Arid Of earn day rAtfk,g dw ttMirrg Panwd., vrs stably tlw Der»Jd}G Mlo tbroaM 8aprflMH M youe' PL'06Um to lee dally ndatice W satin segrrterN.lMn u the ax,d of »rr nntaay prriad, vw add eKe ter raetnli pF Lhsaa deity calculanorw to arrhre at your p42iatfla 1x,8ncp ensrfp far Ael, NprrrNA4 W!1 add up Frs rsru»s frenA aetle aepre,eM ro aMve N lice lorol paf[aQG 4lnante charge fa ywa accatJm. To pal the arrPy nalws;e for artls aryrnsnl of yOVJr arY.aklnt. Yw! 6dIN IYr~ ~rd Oelar'twe: A7P ead+ eaprtkrrk •M add enynela 4ranMd}t1M afM Boy tttrnodre lkraeloo d!+ar'ps uktrritarf on the PreYlous dayti bahnotl for 4tun. rspn,ant. 1Ne Ytean Jwaarmvd ring iwyrneMS ur rxsdles parried es of d,at day drat aro anorxreW m »es! aepment. The gives ua ass asPtrets lily nelano fa astdr sepnern d Yraar acrautn. t~lnw."var, tt you paid pre Now 8alrn+ae alurwq on Your txsrwwnr a/rtnmem in fee (nr NyrxJr rurvr bnMrfAale war zero a a Credo amwnlp mm~r tJet>saatlone. whld, pool ro Ydnr tteJrtVeara wr awcwel ptlri:hKe aa~prnsnta eA not sddrd to the dally ledaa,atla. yakr dateldata ties avawga long iaalanre by wddbky rn floe rMay twarnnr topwp'rsr rrw tltvMlxy rna sum toy the number W »tlr drys in lee wnsr*t bilWrp raecht. ro eaieeelanr voex ixriM finerrce charge, rruJtlipP/ Yrwr wrrags drry halanai Uy see raWY Da(odc rata rna by u,s rturttnar W dots in Ihr lti(irp periatl. E7ue a taundlaep an a daffy tatWs or due ro mir~InAUm flnanetl charya asaranmenl. ttitu0 trMy hlf a valance Ika[ivaart tMs rwlt<ittltldGat nM>,ha rl."nount W lYianes cMrge actuaay mrtlawd. S. MnutY Peraarrttga tlalas (APR). a. Tlw ~tunr `MrruW ltleresntagu tapty" may appear xr "APR" ran the imm d thM etrYMrnaM. o. If eM Dole P (tlusrW y Pr[me). L SOurrlarfy ItBORi. G [puatnarlY Cr3), or S SBararcerd Priney etJPesa an flee 4ant ref lYar atatrnwM reutd iti lr,F tankxfl0 rgYr(rI, [hr period6e rater asx3 cnmaspondinp ANNfJAt. PBRCENTAC3E RATES may wry Otrrtarty and n,ay inereaM a dsatNar Rased ors detl Indksea, as round in rho Mhill Sbeal JaXn%rl, plus eta anti%pin }troyiuusy ttaddOrtla byau. Ttkrr d~eargas wal be et/ectNS on dAe liree daY of ytxu hMtrrp peeWd roared try Your parfodtc alalsnsnt artdirp In d,e mmtl,a eJf JerwarY: Aynl, .lacy wW Or1War. r If »r wade D gJts,W1y Ptirrr) F (Mnnttlty LtBORI, a 4 tTyoewry 1.I60R) appears on d,o Eau of ywr taalemarx next to »te ttedodlc rateia), the periodic rata reef scrrespW,dirp ANNUAL PERCENTAGE RATES may vary manlhty oral nmY intawra or daveaw bsswi on the stored i'Mide, ri falrld M Thtl>.e en 9erret JarrAat: Mar ins rnrrpln prs,tiotJrlYdisdorad is yell. These chanpar wnl ne a4ad%vm ax'e the fltst dny of tJlair,p Parboil mch mon»A. 4. AYraarrrrrrR M 1-MS, Owlfrrdt and Rstanned Payman! FW., thtdur Ina WrrM of your dualumer eflraaxnsnl, vw nrarae the flpht tw tvaivr or not 10 aBParl ary }pas vAlharJt pHar ntxtltcnian m ycxt wkhauivrriwrtp aurrlttla MaxtMSn ihr s ame a aenaar tray at a trtar Ikrf r _ ~ S. Rrerewlrtg Your Ar:pounL. M e memtrwrhp foe apptwrs on the ttoett ar yota~ rtatan,t»u, yon hrvo ~ days Run the data ads a%Wernent war ryAMted ro you to nvoM M+Y~H »ra tM v tc nrva eumt fee asdltsd m you It you oenos ycur arJOOUrtf Milaoral tiae,irtp w PaY fntl nasmbarahip fro. To cerwa You rooount, yyoottJJ must notify us ny pnarp our l:arwmer Reladd,r OrPanmtlnt and pay ynJa "nlaw 6s~eGe" in fur (axafudlrep the [,unehrrah~ fm) prwr do ttw Aced d the tfanyway per}od. 9.. Il YOU doss YOUrACeount. YW can rogtra la uWss yrk,r accolml by a~,pYljrAO DeIY (,"lJetalMrRalasars fteparereant. YOu rriuxt daea+oY Your rseeflt caedia3arsf amount aawar ttruka, rJareceM e»I prtnedtranzed bllsr,0~. and~w,rers tYxteyf yea account. ARer ytwr rrtourat to dour, a yru txJredraw ro trarraar a da not canod proaeJd,otlzod dltrol arrariyomweta, wa sill asrwrlrr raralptaf a oharpw ytwr aua,otl>esdv, to krep yraJr rcoount open. addiuorerl%y, your aecoount pal m» tJS closed um% yea pay ra anrwnb you awe w inGarWrry; any traaersuierr you teave :ntthaizad. lkmrpce elwrtlea, Vasi due free, aeralima lace, reAamM peymerru fees, rarrale arriwmea:e tear and eery otleea tees alweMed tV your ewteuM. 1(ou are rsaponsitle for thsq sr*wuMS MlkHhsr 11ry agtraron you atyxxrnt M ttw apr you raduatt to onus fir atxwrnt aY they. err xx:umad aidJeaquwrn fn ywrx raqurst tls doaw d,e ngrsnrrrt. 'rhir mry rlrmui% in napes rpprerkp on ywr arwaun/ sttrtr you teary roqutretsd »,e exoan ro be rkteed. Y, t/alnp Yanr A.coottnt. Your tiikrd art ac.ccwni eanntvt fro uaad en onnnectim with any Intrme4 gamslnp IransaMima 3. Holies Aboul ENebonb Cheeec Cwnwasion. 4ylasn You pravWS a cl+edt ea txlymem, yotJ atageorttee us a#rrfd urtl trtttxmamdn from Motu cheeUc fa n,aks a wrrdirtr a{aatronro flew mttv[wr from Your Otlnk aeawm or to process a,tl payn.wa as a dwek tranaaonon. WTwx wv use wfamlatlpi from you cYxttk to make an eMsponlp lured tranrfcr, lumr may bcr ,nllrgraxa from your bank account as soon as ale rams dry rra reoa}ve Yeer peyerw», and you w#I not rocerhra Your dnarBt ba[3l fran your MexecieA ktS'tltJrllan, 91LI.FNG Rly`HTS SIJhdMARY tot Casa or Emwa or eauwafrorre shwa ybu t3pit N yrJU the,k yrotr tw is vw[n{g nr Ayou rx mt rannr inAomAakkm qn tl traneaetlaH a his, wrier ro aS rar a tlePrram asre,N iY soon as fresaatte d[. the addrears kar iregaak[.ta ahawn art the front rat Iteia atalcmoM. 1tb must hoar (wm you no later d,an W dlrya stlof eeo sent ytJU the [kat rJill wn aArtrJr lea rnvr or Mootrrrr appeared. ?0u ten calf otJrDtaatrrmer P%rtaLtarea ntanber, but dolnp eo wNl rat tJreeilk'Ve ygllr a{N,ta, In ypur Ietitlr, ghas ut Uher tothYtMnp ireformatian. your rwnra and aCCe%Jnt YrOnxJdT, ti1e ddlar anWUnt d d+a susPecead error, a dascrkttion of Ihr tlmor nrxE an ekptona»Ipa,» posNlrM. 0l why you baliew tfws le an aaror: ar }} you need mars intamWicn, a deradptiwn of the irm yota snr unsure atJwJi. Wu du rxaE nave lu pay any anrounl kre rpaaaean eW,ao v+e are inusaagatk,R e. her you arc atnl oblpetod ro Pay the parts M your lull tfkX era not it Wosnnra. Wtrikr wa inVail'ipnla your nrrariinn, n'a oAtl,M1et raPOn yw aS dNlrtwllenl ar take any aa}an ro exwaot rna amuunt you rtueeuwt. #, T 9pwoJal huts car Crodn Card Purdassea H ydu nave a proMem'WIYr ttte rfualily+k pknPtrny ar aerwlrra (hat You ptrroteaatrd aHh a credit acrd Brad You Mw triad In pool 4aitn ro uarrout ttr proDNrm wild the marcr,am, ya, nreY MYS Pae r}ghl ncd 1rJ pay d+a rearalrairAll emroura ekw b.A elect pmplrty or artrdcar. YAU $,atre ihkt pnt[adldn oMy vAeteee d,e purdvrae Pn+oa YMa rnnre than SSO.t]4 and n,a prrreMae wr rruda In Year home oasts a within f tt(1 enltae d your rYretlYry addroer. jlt watl own or operas trW +marcrwni, W a wu nwitrtd Yaxr rna atevrnt}rerrurrxt rp tl,a p*epMy ar irrWCea, all faJrr9teana ae rzfanrM regaMk!ss a/ rnaJex,t or iweeelon wf purdnraa.! Please rem:raMar in alpre tat eaminPaWancr. t laoens rid atrplp taronaarn,er,tan-crarilt card rncnuanJ ;: buss nnf appy b Mrabaoss ruxriarad!Y card raaw,es CtePigtt Ono auppaw utfamelmn pervacy tJrniaQion:: a4Je our waballe ii M.!!M.W.41ltM.~alP+lt,. r.Ca^....r~ CaprWl gree la a trdararly rogiuarDd etlr'+i0a snprk a/ GaoiW Oree pinazwiaE ,L`aporatioee. Alt rlplna roserVad. ~ 10618 Capaat One TC,•OB Ot BC:6066 - d - ~yi21,0ii fmPrrlrra Iioasa: Paymrea You,rren m us wa M sadrad b Your eaxum er o/ aro wsinau day wu reura %, Ro'r+ded (t) ywa sand the trdexn ixMars d tlve rtaWrtent sal Y'>r<cnacR h ore eardosad raMIW nor emslepr antl f2iYwr payment w aosad b. tkx aroceaalna aeixer by 3 p.m. Er [22 rwwt FTI. plrw- sww al pwll pvo tS) txassss dais for poaat astray- CMY+aMMS eooaeesa ai dY al JatyoNres lecandn ur >A afry a[rrr feria may Mltxe treaatl art d u,e daY wa so>eYa arum. (kir WAInarS dryK sr Moaaey SnrdkJ(rir Sal^xdaY, 8kd4dthp [sidaYr.. {'isace tlo not ate ah(rr, pWrar ate, alt. when prpanep yoww peyrrrnt. ~~~io~~ j who#'s in your wallet?` SOOfa9O MAKE A PAYMEi1tT. AN© TAKE CONTROL t3F YOUR CREL3fT WITH CAPITAL ONES' Your account is temporarily unusable, The good news is, by paying the amount due an yoctr statement, you can still briny your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our ~~ check by phone service ar speak to an associate by calling '{ .800.95S.6600. ~'l 21J~ G`rrjaitxl Unr ,SNrr=ia>.,. /n~•, C.;rtl,iuel !'Jxr xr• ir~rlrral~~ rc~ rtrrrrl /ersti.x nalft>h. rill 1'iyrl~t;! rrsrrvsxl. 5S70dtEp-OH591:3 Previtws Balance Payments 8 Ctedlts Ci~R~E Trattsactlons New Balance Minimum Payrrtertt [3ue Date $422.1T - $3flA0 + $14.96 t $113.56 - $517.69 $51.00 May, 23, 2:407 Mar. 24, 2007 -Apr. 23, 2407 Page 1 of 1 ~~ r'tIASE A4'! Ar IdA51 TMS AMOIArit It1a~{terCerd Pi81311uftt ACCOUr# You`re behind by tt~ee lrrayymertts. Tfr~ means you are. tenapora9tty unab9g to ns~ie rxrrl Fx;rchase , or pet r.~~h S24t.1521h2Ti6-T3U4 advsnces. Bu# you cart regain yot#r Capita6 One chargir~ prsvik gc-s and taring }cur acczt ;aa~k rota gaxf st~x#in9 by pa5'r~ the amolarM date tan your staterrtent. If yrx; ra twiny financial dafEictllt and you're faelil Your Aeeaun! Inforrnatiort c>v~,arwttelril@ti - wa warty. to beta. Give orm ~ our associates a ca@ at 1.0.95& 6f}4Y1. You'd oat saaprisad what n can de together to work fhb out. TOTAL C:REDlT UNE 590CI.00 TOTAL AVAILABLE CREDIT $3$2.31 CREf31T LINE'. FOR CASt-t $9Qf3.f30 AVAILABLE CREDIT FOR CASH $382.39 Finance Charges (Please see rGnmwse for ~ irtf<xmafioli) rata Perrr E at5c G derg C ~~ ! l ~ HA Purcflas+es 5d98.d8 O.fl77t29f16 28.15 $71.92 Cash $4.00 OATT1296 D 28.15rt5 $0.00 ANNUAL PERCE[9TA[.'E RATE ~pNed title pedal: 28,15"!. f~ ~i At Your Servke t•80R~9Q3-~63T f,~(il7 Te calf Customer Retatians ar Ba re9awf a soil or stdm+ card: Send payenetlis to' CalitW Ora Bank P.CS. B<str 70384 Charkrlle, NC 28Tl2.0384 Send Inglllr~e te: Cayaitd C9rie ~ P.Ct. Box :.285 ~ Sit t.~e Oily, u7 34t3tl.trP85 Pa mtents, Cracfits~l A~1_u_rta~irten#ti 7 2.i A~Dt ti' ECCT' rr P YHENT 30.f]{t- Trd rkBHCtIQn9i 2 23 MAR PAYMEhfrADJtlSTAAEKr 357.t>ti 9 23 MAR FINANCE CHARGE Al?JthSTMENT 3a.~d d 09 APR RETURN CHECK FEE 529.E 5 23 APR PAST QUE FEE 529.00 6 23 APR PAYMENT PROTECTION 1-$BB-52T~6BQ4 $d,56 llr>dgr terms previously d~dosetl to you, same or aA of your Annual Percentage Rages (APRs] have been increased since your account was past due !vice in trie past 12 ttaHing cyder. If yin rates fare akeady increased, subsaquerM del~lquetlcies extended the durafian of the increased rates. Remember: if vee recdvx your rrtirritrwm monthly paymer4 on time for 12 consecutive biting cycles, fhls atxour>t vie be reviewed far a possii~e return w your NoMr:eroduetory APR. You vlere asseesad a past due tea because your minhtam payment wag riot received b'i fhe due date. To a4oi UtiS fee iEt the ita3#re, We tgtXlraYA»391d lSt2it yet, a~a+,v aE l 7 t~lltess daye fGx your malllltann paymartt to reaC Capes . d9`i±i (yl3%: '! '? ~~:3 ,. "rF}42?:3 £'r`~;#'f. _. c:E.f.` Y ,. i.~#=.;.3if.S•t> PLEA5E rtET'VitN PClRTiC)N eEtC'tw 449TH PAYMEIJT 0 5291952027!.87309 23 0517690030000051006. ~C'apltal~(~jZ~' ~ wftat's in yvur w~llett« Account Number: 5291-1520-2748-7301 New Saiance Minimum Payment Due Daze $517,69 $51.00 May. 23, 200'7 E'tEASE PAY AT LEAST 7NlS AMUEINF Arrtvunt Enclosed Cap itai QnQ Bank P.d. ee>< 7oaaa IIIIIII/IIL6ILIIL! {Far iatte, NC 2x272-4dil4 lll'.llllil lllll Fll El LllElilllllllE1111 illllll/I1f111111Illll ill Please print address or phone number changes below using blue or black ink. Address Nome Phone Afterna2e Pltpne E-rrwi! addmss t"t s":.W 1~;.7'3d J8 L2`. 3.2:3 rt ~. u'~il, TiJ ?1 i:9'Sf3y.'tz ANNIE A KRdL-KNIGHT 7S SMERddOp CFR ENOLA, PA 17025-3836 111111,1/III//aul:llll111nIIInlnEllllullllu{lulllEu Please write your account number on your check ar money arder made payable to Capital One Bank and ttiail with this coupon in Hie 9ancloscd emreiope. ANN1E A KROL-KNIGHT t, stow to avoid a wlerarrce Cferrye. j Y a, l7rrree Perfod. Yaw wilt treva a rrrnimrunr ymca pxuicd of 2b mays wMflortt Mxence ehraym on nave tAertisasua: new haissnoe trAnefera. nsrv ePAfP01 puxrhaaatf and nawxahur chrrtpas N Ytru WY ynw trial 'New pliiinCO", in '~, aoooedancw with fM InxpuAenl Nrxkys for peywtanca uabw '.. and in iktso tcrkastw enm[Yked by yaurnsq stsaanrutt akwdnq dMnr. Thess b Ml grACa period rrr fail) adyanua axrd apadrl tralrtara, in add~as, iuro b na Drr4a oaricd On Orly tlanaeetion'af you x!O nol pest' ma btnl 'New betanoi.• b AaanlinN Flnana CMrpa. TrAnNxcNana ~whid! era not eVb}a0i CO w graCa ptlrlad aW aaaasaad flnaaoa Charya t ) &orr~ Nla tlila of fhatrettaaGliafx a-z)irone Nla gate lha eranauafiwt .a pPOtnxi9ua W Ywa Aoooant w 3) from the irsF raMndar day d A+e tur++erxt bNpltg fwriod. Ad[Ntlwxailt Fyw dkt not PIeY Axe "Now Balanra` from the prevbus 6iYkrg Peltiad in flip, Breence dretg¢n aonumre b e4uua W your urspaW lMWrept twltiE iten uxtpeilt IxeWnxxx fIt {olio M hill. This means Atat ynt may Wi owe Gn,Hxda MlanAas, even k yotx Ply the snuro New 9alanoe irtlfaatstl on fie front of your atatemrmt by tfrr nentl atafamerd cttlainp date, but did nW do n0 ref the PIAYkai fwenAt Unpaid pninG! r?nery96 Me added u, Ms applkybia d your AopxVrxt. Y C. pphtimeare Fhunu For Bich hlWq parkui alet yar naoaArt b autpetX m a Rneserns charge, a mYNlhuw wfwl FINANCE Ct1AROE of lD.SD wi be atYraaad. 4 d. Tamponlry RWUrxfirt ke FFessslOS Char;e. V/a raesrvr Ara bl plriy ~tP~bM ase6 am p all pnrrca gYtype Far any glvasn 2. Mxarapa Qtly SNntca pwduAlrrp ldar, Puroheaui. t°o ~ chi~ia~ kafitiu by wwlYpfyinp Nw flaky Oi4wtus say yea ac~v.+tlxn (..(!., rrs advafeae, Pueeltsela, apwrrrrilll trarlwlylr, mW epeoYtl purrhars7 by 1hr, aorreepandilp dear I>~a rayetaf ttat Rea Rion Pnrvioarsly rYadwlw to you. At tlse and at esatx day tflrkg Uxo ~w9 itartad. wi atypy Nte daYY tlorbdle: rato Ttxai4h nopmextt dyour aacellm to N+e d811y beltwtce bf eaM+ aegmara.'TMar al ITxa arW of thr bYpltg pMOq we add ayr tM refAxss eN Msea duty aalculatyinn to anNa at your pearrrFu rlnrca cnaaga rot rarXl ss¢rxirN_ +AM atld t;s tfiw liseila frwe! each seymem to eMrlva M ttre total puitl6c Ynance eharpn for your accotem. Fa Qat the daaY has Wnoe for arc!! wp*Irtl of Your auaotmt we faiee Yte daipimiwp trnaaxee fhr astat+ asyrnnm arttl atltl any new ersrlaiatiwq and tmY Penotlic ttkrOrlCO UaryacMCUkabtl 0ey A+O praxlalta data balexeap br nyltlwnt. iMa fllell aubbifi MrY Pnymmis or 'aidl~ poNSd ai of ttmt diY chit ors spoaaRM1 Od Nast segment. Thfa yivae *+s ksa sepwriti dWy Wiinew for trill saprrmn of ysxtr accouxA. Ht>wrtveC if you Kwitl tntr Now Beianoe shown on year liatinrul Mnwmero in fexp for Nynur new ttnksrarae vwn roro or a cfetlil emourr[y, Wive treruaclWRa. whi0h post to YaIX PV ltlMNa ar aWtXat plwChKa aayenana era nol added m thr drily bWancas. Yale txio/Yata thee awriye daft' hi1M1Fw try adding all fire dwlty tutwnnaa topwNaar And dlwdiwy Itxs auarx by tta nsAtthsr of q+a daya In Aa nurroM L airy GYCIl. FO cayGJlata yes toted tmandx :Rlerge, matfply your awragn dwy balance try @tt t~1lypm5adc rate inn by Nte rturrtbar of data in pre laiprp period, P]ue b rtaxndaey cm i daft' brria a duo !a nanirnum Nlrarlce draryn aaeaaanaerk, Nnsna trtnY ba a vnrhtnoa tyalwera+ A+is ciidut>td4n and ttse etnrowit d tararlCb CtW'ya iadieNly atkMW7tbd. 9. Annual Prnoargega Resss (APR}. a. The term •Anntstl PlresnWtla Rna^ may aPfleal' ae "A.PR" as Nta fmm M thks etadsmarrt. b~ It axs coda P (Ouarsrty F41mey, L {Otartary Ct$OFt;, G [f]uansrly CDi, w S (Baritcard Preart) ap/xws wt the from{ u1lhY lNSlrmrrk nr1R to Ntr perkatlio rMr(a), ttw txerle'+die rotas and mminpondiyly AtvNUAI. PERCENTA4E RATES entry wry 4uarteasY etW may, itedrlaaes Of decrow beasd on Nte statetl IritllCea. as falnq ifi Ths yMkfi Slr+nil Journal, pk,W ma lrraigyixr faaviuuay Aiatposwl Yr you. Tlwsa ~+pra wNl be ditxtNeon d!a oral day M your bYArg period covered by yaw parodic atatsmant andiny in Itxa xntmtlta W Jarwery, r1pn1..itdy vend Ocfdber. r., tl Wa ooeks Q (hlanttlTj PevxtaJ. F (IdnnfhmY L16ORI, w O fTroswry LIBOR} sppeare on lha Gant oT ytwtr stetomont txtkt b aea periodic larete), the pentodic sales alts wrteapurldhry ANNiJAi. PERCENFJKiE RATES may vary nwfktlly' lion Went' IrIQPeir adrww WaaeE on the slated IrWicaxs, as faVltd ti Tlys \Nak g/eartJounxal, plus ttar margM proMoetalydZldmexi b you. Throe charges wHi ten eNaolhra an the Prat riot' d your lxiYilry peN4d each rrmmn. 4. Are.aasaliia/ d Leta, t7varNmN and 1trWrseexd Peymant Faaa. tksder the Lama of your axfuumwr spreernelt4 wa rpsifVa aM tlyfet b rgivp w not t0 eaaass airy falls vAYeoea priarndiMtmNion w you aaattrkyulrxelring twrdyM Maeeaew Axs ama a slmilartaas a! slWrirrxe. T 5, Ranrwirlg Your Ae.+oounc. M s n»mtarahip fro appears on lIse typnt of You+` atatamlNU, Yost hivys 3p tl1Y-tram des antes aia attNanlent cans rrrdked ao you m ayoM pwying the fw or b lxava aurtx fan oradkrd m You k you carxaN year sfanWlM vANrdtt heaing w pay N,e rtwmbaKFtip fee. To carpal yaw aoOOUN, Yyoou mu6t notify us 6t' dpasp alt f.UUOriIB[ R,alaNarla ospammem and PAY your •tVew BaWtlCa" in fuY (axdudlny the rrlanbersn¢ fro) ptfor b the and of the etvnyday perWq. 0.. la You Cross YrWraeopeiM. Ytru rSlln rodteest to citNe your acpwwlt byrcatlirg Our Aniaraer Relaaorla Oepartrrtant. YoV mw1 deWroy your txaefit caldfi5arut a,ooua scow dreka. rwlcal alt iwmeltlneynzed DNYng and eeeaa utiery your aeraum. Mar your raqupt to Dose. k you oorxtltetxa to traarwa;et lx tlo reo[ prod ptoauthtxlsotl bllpng anangonxerds, wro rrtp mrWdar rsnelptaf o i~refgP y41r nuanmaxelan In kwnp your arxaum open. Addkwnatty, yow a,ccaum wYl mt bxs aioaod only you pay aN amaurlla ywx uvua w 6xltutfig: any bar?saWorw you twvo.;wthwtzed, flrrantw eluny,Yt, post duc Mr, lYx'alfllllk /awes, terkJrretit pnymsnf Tana, rnsJt wxh.ANa:e taws and erry otter foes eaieeatxJ fn your aoe4unl. You are rasponaltis fdrtheM si+ioun4 wtalhar tMy aPpealrtxx your amnum at ties Nme you reauen to tyttssa kw sarwtart w they auw es:urreM auhaaquwea b ytix ntY.rlat b rJosw kxa aarxxxerrd:. Thla may asuR In UvnW's aPPaa*hi ~ War es:coum wlpsr you have rarlurshed dvt aoocrmt b rte cloned. r. Wxrea TOYf MC60rnr'. Taer aao Ct"arL]J/tt ralnn4t bo ltered Bn aarnealion r+Ytx arty Intamet ysmbirxy iraresarx;liuns. 8. NotFea /lbaek 0aefsank5 t7tlerea Convarshn. 4Yhen you PeoYlde o Meer rs paymefd, you suiwrtlta us aAMer4o use miwmadiwr from Your 41eattit to ntalalx s oneiix!!a elsrvoni4 fund /roekAar aam year tmMC anarwrx ar la proneea eta Pryxxaea i a alaMlx traMta4tleal. V49r Wk Ore n5B ;nmmedan (torn your chock to make an eksatzxsk fund trexuf4r, hinaa may tw wilhrYawn from your baxxk account as soon u the soma day rte neeeixne ywr peynaalrt, and you vrAl not ra4/LIMY your tytagx 6a~clt tram Yow is+aneial Insdtulfon. $ILLNVG RI(3HF5 SUMMAt3Y (ixr Cain or Elves w quaaliare abOat Ybw BIY? If you lhalk yar tql la wrwxy, or k you frond /noro ilrformnirm on n trwnarctierr or di, carpe b us on a tepaaw al+ee6 ac ac>On ex pussN%a lrl Aa iddlMt for irrtFlidea shavers on Nee front of ilia stiaxnant. yvv moat iwar fmm you nu IMerr don tsk diva efbr we nArrt you Nxn frost tip nn whkix tiro error or ptuWwn e{Axnred. you aan tea ow Guetomwr RWNalta number. boa dolny so wlp xwt ProawMe ytAr tiyhb. In year kottfxr, gWa ua k1a tcllowlrsp irdOfnYMian. your rrptrla Mrlp s06Wn3 nuersxx, the dWlar snrwxnt of des nuapeclad errw, a daacriptkm at M! wnar And An erpiwnalbnx fl PaeaYlfs, at why you Daiieva ttrsra ii mn rrar; or a you need mans irdwmWiwa, a dtwadptian of the itsrrl you ors unsxre ebcwt. You do rq1 hies la ply srry anrounl kl tpxesean vxhila wo afe inwtsfipa3iyy a, tea[ you Ara eta Mligwta6 b Pert' Oho parYe of your bap that era rtat yn quasyan. WAik wen krwatiylrsy •/o Vr plaSibon, KM ClrinOt fe(lDrt yVti ib dalinglNMt ar tAkw any/ nation to Odlaet Its amauerl you gpeestibet. t, Y $c>oael Rwa for L`radit Carta t+txrcilatra6 k you nave a pmMlwn whf! iM qualiy of prrpeety ar.aewlcaa that yrw psxttisacad wiNe • cradh card and you taw triad in yt»d takh fro comsat Il'eY protirnl wiNa then narahenf, you met' Fre',re Ara riynl not W Pet' the raenairktp nnralra dun ore Neu PraMarty ar aoevfrns. ynu het'a Fttle pmtnrzidn onty ashen p+e pltrrYalae pnlx runs mote than SSDAD Nxtl the Wrrataae was made In your home stns of vAAkn tqD trpka of Your meYlnp addrer_ (tf »v oqr! or ePlertan thlsx aktlr4tant, auk rw nutikM yes, fns adVarklWrnsnl hu t)ts Property w esrrirxwl, all {nrctxaena am r, tfwered regardtean at rmatmt ar b4atlon o• lxxrrdxasa.} PMese remember ten rign all aanrapoldsnae. ~f Dnas oaf anPty b cannwrwe• iron-cxedk card wrxaw+kx # titres not apply sy btutcors. xa:r...rxaapf yard aecotnra Cepitd Ono wppcrts inkxmafkYy privacy fxnfegiwl. sae Our wnbepe at Y11Y.W..F.Nt78p1R!.l.H.,A.iY!!t. f.:apkai Orta IS s feaerady rsgtsterttd errvice nark of Cipilae One F I: Anciai CoePoretlon.. M ng1+t6 ronarved. ~ Zt34ye CaPNaf Oita TGfM of ecsasa - a - f2rZt,Clii tmaortrr noaea: Payrtyrts Yaox mad to us veil Ss cretlsou k roar ecSoarA eo rn sro 6ariMas dea• ari xscw,c p, tYOr+taf !?t Yea sand axe acadn a4nw9 tlidva 4Wlenant and yrrA Wari 4r a!e tlad6md ramdti[Ya BRVNOee a!q} lax) YlV f payRl0i3t pt rNbtiad Ir QW artX:atlinQRarL@` q 3 a.tn. Ei' (11 rwnn Pt}. fResas allow al Wag des Is} laav+eac Bays rot aaaw+ daivury.. paymntn xrxcaihud ayes al anyatxct barpnn er n axryar!ma 1MS mry nutfx ctdtAtad m' d the xkky ws mre.e Ihrnrx. Dur fwnirerm dsyk aae rnn5:&lY eroa;YS S'lte~riaq. atraxYnry htaatys. PaaAeO do nil use stelYes. pater Gpr, ale. wteaR F*Wana9. YaV' payrtrnl. soooto '~~E©t?~'~` MAKE A PAYMENT. AL11[3 TAI+CE CA111TRDL what's in your wallet?` OF Yt)UR CRE©IT WITH CAPITAL. 011iE:' Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you tan still bring your account into good standing. Let`s work together to bring year account back to gad standing. You can make a payment with our ~~ check by phone serraice or speak to an associate by calfir7g 1.800.955.6600.. Zt7lX !..':rptssl C)ut Sc~rr~J~~r. /nt, Cirpif~ C)nrt rv .x~cile7ir11)~ %'ca*r`.rremtl.sn'x=irr rrratk. A/1 riglrra rarrrueaf, ao~ tq.pa~p;3 A~ ~ Previtxts Balance Payrrtettts 8 Credits Ctt i Transactions Flew 8elatxa FAinittwm Payment Due t?ate $517.69 - $45.00 + $13.27 + X93.10 - X579.06 $53.00 Jun. 23, 2007 Apr. 24, 2007 - F1tay. 23, 2007 Page 1 0l 1 .c~. = Nl€A!E raa' Ar IkAY7 7N95 AtdU4+riF ilttfisterCBtd Piatirwm ACCt?ttt# You're behirsd try three payrnertts. That means y[ru are tnnatorar~y utmb&: t4 rnalce now purcnases tx }1st rash 5291.1526 2748-73D1 aduanrx;s. But Ycu ter regain yrour Capital One charging pravile~s and bring avur acoot~t trade into good " starxfing b3' paYang 67e amrwM due on yrxtr stafernarsL tf ytxPre lmving firrarx:ial difflc~ultiert and you ra tae{n~q YaUf Aecaant Inforrttatiott overwhatrrterd - a+e want to tretp. Giv€ oria of our associates a cafi at 1.E3fN7 r355.Fiti#3. You'd be eur~iaad what c care c!e together to work this out. TOTAL CREt]rr LINE $sa©.t3o TOTAL AVAILABLE CRE©1T $3217.&1 GREOIT LINE FOR CA$N $St'X1.t70 AVAILABLE CREC)1T FOR CASH $320.94 Pittance Chaeges (Please sea r6veesa krr import~7t iMcxmatiera) 'c CnrrespOrWutg IN AN t"E o~ ParxXir ~ [ ~ Ie d C ~ ~ E Purctsasas $572.76 0.077129b Q 28.159'u $1325 Casa Sfl.00 0.077129fr D 2&.1595 $0.00 ANl~IAL PERCEti1'AG'f RATE' applied this pedal: 26.15".ro At Your SsMce 1.80Ji`~3-3637 To calr Customer tielstidn or to report a Bost ar atalan card: Send payments tc: Captnt t?rer 8artk P..6. Ilex 70tS8@ CharldM, NC 462T3•QS9-0 Pav rttents, Gr edits 8 Adiustmettts 1 17 MAY PA NT 15.170- 2 23 MAY 1bRECT DEBIT PAYMEt~tT $3D.00- Trartsactions 3 23 APR PAYMENT ADJUSTMENT 30.00 b Z3 APR FINANCE CHARGE ADJUSTMENT 50.02 5 01 MAY RETURN {~CK FEE 529.00 6 23 MAY PAST DUE FEE $26.W 7 23 MAY PAYMENT PR(]TECTIflt+t 1-BBB~S27.6904 $5.'f0 Under trmrs pre'riously dosed to you, some ar atl of year Ant Perventage Rates (APRs) hatiE t>aen increased since your atxaunt was peel due riuice kr the past 12 tzlling oyctes. H Your rates have alr~dy increased, subsac~tent daiatqusrtcies extetxktd the duration o(the increased rates., Rernarr~ 6 we receive your minirrrtm :monthly payment an flora #or 12 consecutive billktg cycles, this account wi% be rev#ewad far a poss6rSa r~tnn to }rorn NorrlrtMor&retory AP'R, Ycu were assessed a past due fee because yatr rtvnimurrt paYmerrt was rxlt rr~cera+elct by the due date. To auoi Send Intptlriea fa: tt~as fee ~ the future, we rarr~7xrrerxl 6tat ]rou aNow ai feast 7 bauinass tlaYs for Your n~rirrsnn payment tc rase Capital Orr - P.O. &vr 30265 ~ Sit Lake CAy, UT 6e7~1.0285 Capes Ckt@. FiC:=>fi .,i`f.; '? ~:3 ~i'?O.:a~?3 'r.'~ni~,Fi ca.f 3. £'}qx~~-':?i Q:'i t> Pll'ASE ftETUItN }'GRTtf}N 6EL44L' WITH PAYMENT tl 5291'152©27487301 23 057906€)©30Q~Qf353005. t~li. (wtr7t's in your wallet?' Account Number: 5291-752©-2748-7301 New i3atance Minimum Payment due Bate Please print address or phone number changes below using blue or black enk, $578.06 $53.00 Jun. 23, 2007 Address PLEASE FAY AT LEAST Horror Phone st/terrrere Pirone THIS AhdK3L1NT £• rrtieir uddrwss ~> Amount Enclosed iF9rs24"t ;?^8 ~i ~1LS1?.6ir t~~T:l, Ti:! ',hI;.i"^,?31:.[z. ANNIE A KRbL-KNIGNT 7E SHERIdabD CIR taPita2 One Bank ENbLA, PA 17025-1838 P.o_ sox 7oaa4 frlr.Ir~,flLtrltfr,ll. frallLt,llfrrtrrlrl,frlrrrrllltrluElf~l~tlrlFUL~,lllr~~ll that latte, NC 2a272-0884 irrlrllRrtrnlrllrul~el~IlfrulErlrlrtlrrfrrllrtlrrlrrll,r.ll Please write your actaunt number on your check or money order made payable to Capital One Bank and mail With this coupon in the enclosed envelelre. ANNIE A KRai.-KNIGHT f. Ylsw ffi Avefd a Pfrsreaee Cnrrpe. t a. Oreee Prrbd. You wilt nave a rnktir[rum grwce pmiod of 25 Wye urdioaa 1Frarne tilrrya on noes tairchaaas. thaw bsbtnoa aanarsrra, rates etpedal Purcftrttr and new rrdear . oharyr d yew flay ytwr ~ 'Neer filttifrner'". in ''~, aooadancr wtM iha Impnrtent fvoaoa for pysrreraa belmw, raw hr fkrer far$aslea en+dtod: tlY your ttm0 f0aYOrnurd ckrtrksp data. Thera M na grout Pwrkw tAl 471aar AdvMCA7r oral aprcFW trarrfpa. In add'idan, awn i< no pn[a padod ors any [Iwrssc{ian if you tlo r.d cwy me total 'Tlem' bekrnor. M Aatmtinp Flnaltea Charyr. Tranpplane vrrrlCil: are not sub}adt to a grade peefatl aro aartsaddnanoe erlape : ) from the deli el'the tarwacrgf[ Or ~}from Me dale Ihr tralscndlws +e PI[xweawd to !Bear AoouurN w' 3} rrom aw fast r;alendar day of ilea aAren[ Ming Padod. AddMtArafy, M'yeu did red pry ahw 'Noes Balance' from the pravlous tarbtg Panad k[ AiA, Bette oa dsarpes ayrrrnua b rrsa~ae w your unpard brtfarsox vw[ aw unpud Iralenras is pall in hdf. Tnrt merrta der! yea may aw owe dnertdr dlalgr, oven M yell Pay err enara New f3alanea ireflaated on dse eon[ M your atatrrraaft try the nosed statnrrsmlt obainp daUr, taut dad not de m far n» fewkaua renrrn. LinpakE fnanea r3ratgr era ad[ted err Ms appl/ceble arprtwnt oryow+trodlrura. t c. IWnknttm Finrr[a CArria, For aeon Wflnp prrMd dart yov aauxerd b arrf~aPt ea a tktantraehrrgfa, a mlMmum tad F3NANCE i~iARQE of SO.00 vwr be inlPeesd. ? d: Trmtaor'a>y ReduarOrr to fFrrarrr Charyw YJe rrerya tfre dg ~~. err MY a err dnrrreo ctsrrgoe fa MY gkrot+ 2. Avsrape DaNy aalarar (Indudirrq iW w Purahrr} Fitsanae drarga b caletrLieat b7+ Awi®lybrp file rkriy oalance oy track tasgnrons d your aexxwnt Ge.g.,. uals edvrietr, Putrttasa, yrexdal aarrrkrr, ores speua6s~purrihase) oy Me conaeponding dray periodw raie(e! chat has traan Prsivlourly disdoaed tb you. At the and of arch day diannp Itns taiing parted., wr apply Nra deity parbde Hato ttx aerrr aeprrlsrA of !lore eoooum la me eery bolaneb d sary+ rprrtara. (Torre At era srrtl of Mr 6YIIry period, rsa add up the rrauas of Mtrr laity catCerirliom: w anNa et your uedadia finance chsrge fear arch a'tgnwM.. ltb add eqr fie lerurlbt taper Bads aa]ment to arr(re as the blal perioOC tlnance charp0 foe your arcartM. Fa Qad die drily balwesoa far rclx seymem of ydur tr0."a[rnt. w6 take the tte~mmg OalfirRra Wr etaet+ eagrrrneretl add any nsrv tramadipro and Mypsnodic tlasrem dtarpd CalCtaalyd an doe Prevkim dayk balMeob for liar( sagrrlant. f/W thorn aell[kars wny peyrmans err rYrdp Possed a: of Chat dry that aro aroeatrd ro IM2 aeyrlenL Than yiaws ur Ufa aaPreMa daily tataarlce far rah apnwst d your aocoura. Howavur, if yew paid die Never Bdarwe aAeam on ynrx previoata rtatamem in fur (nr a !tore Hari tatlaraoe anra mro err a treda amount}, nsv Irrtrratfder, while poet to Your pVreylarq M epeaet pWChar itpipmgnta raw hd added m the day a Wde7Gra. ypr attbUtr{a dq awwpr dory iaatAarw by A[MbIQ ail [her thlty tanterararw trAgealwr Acrd dtywlwg alto aura by the nrrearnr d lhr days In the current. nflting cyehe. Tp ealctriaro Vatrr fatal fate+sce Urarye, mWlSpy your 1rmAaglr dory balanrx by dve dldiy petinda rate arttl by ttx ntsnbar cd drys n rx hiiMq period. Ow b ruutarLrp an a defy beefs or duo w minimum flrrarter drrye eaaornlartG t+nene rratY lAr a YwrksnCa tMiUtrart free cotntttaarst and asr atreotatceffrratrPa drwri(a teer,aly aasaasee. 3. AnetYY teaUeantair Ratr (APR). A. Tlw tamr'Anntml rrirneaMaga Pta61s^may appuar as'APR'rAr the it,bm Pf Mir etwternerrL h If tl'w code P {Ouartaalty Prkns}. L tOtmnargr LIBOR}, C CquaardY [:Li}, or S {Barrmam Prone} aPtatane on the leant of tlaN •Iatalrrrrd rwtt to the Pcatodio rars(a}, rtes twrirwie riaer and txrrrperwinp ANN[JAI,. PERCENTAGE RATE8 may vary qurrwry antl rrriy' Ir1Nlaaa OrdPCrarsa bred en Me tdated tM{aer, ar farad in TM iYWI 9krrt Jour'rtM, p0.w eta nwyin prF'rWualy rfnldcssed by~u. Tlrra Mrert{•pus wifl be rtffectkra on rho lino ley d y[rlx bifrnp period Prrnrre4 by your pelfadic Waaturrrlwrt emfirrp in dls mrrrttha of JarAtary April, JWy and gctab!ou iz Ii aw erode 6 (Hnnthiy Pdnw). P {MuntNY LiBOR), ur O fFratkewY L~OR) aPPden on tfie 4orr[ M your statemom rtekt to ate periodic tatats),1M Psdadta ralsa and txyrraaparldirp ANNUhI. PERCENTAGE RATE& rrwy vary mantle! and a,ay krmlwra a daoaaea bared an tlw stated intlicrs, ie. tuUea6 M Tree Wrel 5trtntt JOtArrN, Irks the margin prrvratalydttdaaed bytes. Thsr ehwngr will M aRaetlwa ten Me 8ru dny of yourbMirg perked each mama. a. ,AesarrrM d Lacs, i6raAima and iteftemsd Payment Fro, Lkrdae trio (arena d your' ouatamar sprrrrtemL wm reaorvA err dealt b warvo err not to ereoea arty teat vbMOea PrfarllW riCaddrt to ytru svithoutsvaiWnp cxlydptrt taasrna dre aanraar aknllarfar of ^ later orate.. t 5. Rattarrirp Your AeoounL. M e mrmtwrahip fee appears on era trpnt d your tnatM[WN, y(ar Mw,t 80 tfaya A[Met raw dots tMa rfwrmxalt wr mNMd ter you to evoM payhg Me Yea a w noes stele tee exWllrw to you if you oanoet your roman( wdlwut having w Pay 1A+s mrnMaershtp Me. To cawgW !tear aooau$: yyoOuU must na[Yy ur oy dlrrlg ear C:t+atgrnaP Rela6ary Depanrralnt. arr6 pny your •Nrvr Befatws^ m tad (asWUdlrg ehr n+wrrbenhlp faa) Irrwr fo ftte raw of oar trtiny.tfry prrwd. 8.. If Yew Mara YourAOeouet. You pn nrdtaat 10 doaw year account Dya.atling rue C;aralarrttdarror,e Oeparbreent. You nnna deaWy Your tYedt red(o) eW acpouns actwa (reeks, aarttvrl all pttwatthraszrd bllsnp ores etrao uainp your aetdaunt. Attar your rogtrast to doss, a you otxdilaie b 4anaad a dp rat called plpalidranzad btMng anangM+msta, era tsgl mraddrlr reorlpt. of a eisnrtpl Sour nuihndznawr M krp your aeeouM open. Addidorgty, yrxrr atsooum earl Bent br doaew aerie you pay sd amounts you awes ua ii an aunarciEOres srJrrdatp. Y yens lwve auttlwixed, llrwrem etturgers, Peat d4rc 1wr, ovaranat ire, eeturrand pwysntAa far; rah advnnrar fee and eery Barer faa aasaeeetl to your aoCeuM, luu bra roeParlarde br that errrotrnW vterthrr eery apasrr M year aerxkrm at taw titres you request w der des aexwne ur they A[a ImlrRad aanaaquard [a ywA retitArer[ kt lAaca 1}18 awxnltr. This rnny rsrud ire dssgea spprdrp on yore atmurn after you ha~:e reQUarsted [he ecoarAlt to hrf nosed. r. Varry lgaf ess:ceutu. Your coral ar irSOllrrt Cilrinat ere twiad r(1 alr+natlion wAlt anp+ kslsneet 6}amb6np Yrarraeclirsaa 8. Notiw Atwaw Etectronia Check CtMrareion, 4Nasn you Provide a rhsck as MYlners. you authaiza w aitlsarta eras wfwmrrbra Narrt yale Check'4A rt[rke a ores-iirne eMetronb hArd yanafer from yrair bank acarurnt or to prtwasa era pr~lsrwret r a Uwck trancadltxr. Wtwn ors ur krNrrreedon hard vats cMrk to make rn decacroc fared ivarrsfar, funds inay bo vaitlu]Fawn from your bank aecrauryt as soon r the Fame day w racefue yasr peynsent, and you val not rateaur your dxrtdr barb hcun Your tknarrnfal kstrtJtatlon.. BiI1tN6 RIl3t/T$ SUMMARY (€n Caro of Errnra ar quoaeklrw abaa Your Bia) If yew Ihsrs ysF,r tar la vertrrg, [rr d you nrd rrenm irriamwrksn nn a trsnrdian or bit, wnhi to us on a separasa ahem as Fonrr as fwererke M des addrera far ketiuidea ahoyae leer dse frgnt of prier slrtanatx. 1!!as mtwt Haar form you no latex dean 64 days ahcr' wo arxd ynu era drat rat earl sAirh [he tssarax Pnltrre apPeerred. llkns den colt Pu Cusiomsr Rrfrftona nrsnbar. but dolrq eo will ryPt Prararvr yotx fights, In ypur letter, gWa to Ifw Faraerieay Imomrafian: your rwma aPd adatwrd nurwq, rho ddlar elewunt M lea tuapscfa[I error, a descrlPtion rM 9he nrrorarM an axplanadort, d pa(afhfe, of why you belirw theta b an Barer; yr if yea nrd mans inforeneliora, a dteaarhaian of Usa item you one unsww atrouL Yau lke rest hrrvi to pay any evnwnl kr tprestlurt whoa Ir.'r am inveasget6rp 3t, but you are ahll ablipatad !b Pay rho patter of your hill tisai era not 3n ePttrsltgre. Whib ors inwmiprrtn YPNr gtertterr, K'e Cannd capon yew aF dwratgsnall tx bUea my a~dion to oalleat the amount you Wrsttan. Y, t SpaCJei RI/a for Crodit Card PlAdaesoa H you navy a pmka[en vdtfr dos quagfy rX prcpraty orafrrvkwt dos! Yar Pultlwead Beall a u+rdk card arW you hew triad in good fedth b rsoerscl tree prnbkrm +Mda dra rsrsratiraett, yotr may harm the Hybl Hat w PtaY rho resnwinkeg Mexxa duo nn iho tFmParty W aernlicaa.. You hlrve Ihkt Pmtadlon aMy >rmer Lira Ptrrrnrsae Anus vrr rnnm than Sd0.00 antl the PurWeaas wr made h your Noma elate or rriarrl t00 rt[Ifw taC your nANlisrg addraaa_ {Ef wa wvn or Pperata taw mtKCrwnt, av'af vw rnaretl yVU Mw iwvtc'paemar4 hx ttae IA[Ilralty ar w++ireter, all prrdrarrle am narered repaMhaa a! amtwrrt eA rtxytion at purtrlar..) Pkwwe ramearWr b a{pn oral carespoMenw. -t Does riot apPiy kr canau+wrr na.R-crsa:tAr cart nrrnunbs ;•..fJ,amr riot epee! b Mt.rainals alx.orrfiT aad:aecv[xres Crrpiad One autfparb iarformalian Prevacy WpiwdkoV'3:: aaa xrux wabrlee at wrnr.+!~cstlt~ttotmtEr. (-aptat Ores Ia a taderaaY nFpbaervd aFwica enanc W CFPitai Ono Firwncld Corpention. Ad nghtc rocervad. W ZOOS Capsat Una as SC:dD:SC -a .. t2r2i,tlii hrportma Holies: paym.las you xar m is r 5e nrodaed b yVU. a¢«ard ea d s:a tasinFFr day eve rscaere n. prtrrodeA ill You renA the bdlons PonrYr udttdF dalonaentant ypA NrWC ka the exbsed mmretroramrelcps anA fd} year prymeMh raratirad it +#F procaedrtr eaNer rY A pan. £T (i2 Hoare Py). !'knw Wbe al kaW rw lfJ 4»sawaF Aayt ktr psrxa! rieiivarx l+syma[kl rrx,OtrnA ttytn. rl anY viCfv barticn m m anpaF.RM 7Ma may Lori Cre z:rarRtatl m d era Aay wnmcava a1 Wii. gar fwFinrM dwyc orb kNettly tlrar!yl SACUrdrly. n1L3iklirxr nl%~Eryt. Preaee dv rd ace ataFws, pepee WFa. etc. ret+rn kregannr: your paymarcf. ~~~/c~ie5 ~11t)T PAI~(It11G YOUR DE~3T ~~,3 what's !n your warlet:rA DC~ESM'T IVIAICE IT GQ 1~tWAl~ In fact, even if we report your account as charged off, you'!I 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 err your credit record? We're here to help. Please contact us to hind a solution that's right for you. You can rr~aike a payment with our free check. by phone service or speak to an associate by calling 1.8x0.955.6600. t4lake sure you call as pay Hre amount due a~ your statement y±rithn, 30, days to keep your acmurct from berrrg charged off. 63 :lfXJrS t:.apitlyd (~~+a Srrr,&n:s, frrc. (,apical t)nr tr .r f+'~d.•IU!/p regr%crarert scrzice rraarfi. still righu >rrrru~eei soapx3-p05aa FIh1AN~E Prevkws eatanrs Dayman~ 8 Ct+adits CttAR E Transadlona Fieuv F3alante f/Unimum Payment! Due Date $579.08 - $13.00 + $20.07 + $54.11 X693.24 $1U3.00 Jul. 27, 2007 May. 24, 2007 -Jul. 02, 2007 Pegs 1 of 2 ItlastarCard PIIxIm 14CC0E1rtt 529r1.iS20.2?~t$-7304 Your Account Itlforrttaton TOTAL CREDIT L{I~tE $@flO.tR'/ TOTAL AVAILABLE CRE€NT $206.76 CREDIT LIrJE FpR CASH $@O(I.flfl AVAILABLE GRE6lT FOR GASFI 5206.76 Finance Charges (P{ea~ sea reverse tar krgwprpfn~It information) t3alar/ce rata Pewioctc Corr~APR d Cf~fiE applied to rate t~rxdmsas $BA9.82 0.47712Ya 0 2$.15~r 520.05 Cash $4.40 0.4T7t2'46 0 28.15'4'e $0.00 AtIAL taERCEl~t7"AGE RATE ag~ad thtx perdod: 28.1874 FU Your.QAIYIGS 1-t300~803.3B37 Ta calE Clrstortlly Relations a ro rrrporf a klat a ataksvt cwd: Send payltlents tor: Capital One bank • P.r3, Box ?tY68A ~ Charkktt, NC ~A272dr&84 Sand Ilttttttrkta to: Capml QIffi • r~.0. aax 992$5 Lire City. UT 8413Q-0"lES .c% PLfiLSfi NIN ryF f1A5T Tli5 AMOLtir Ycxx atxaoernl. ~ six payrner/ts behiald. tf vre chacgo aft yaer acx~lrrt due to iate;aayments: ~ vasll re~rt #le charged-atf status to saverat na[kxrat t~dit txxe~atrs, and the Purchase APR ae sefketed on;trs statement wAl be epp6ed It1 all ycnsr cxsstandi/lg Lalancas. Act now Ea prevent this irony happening. PSease gay the arrxxsnt du cxl your statelnertii a give us a txrli at 1.8€7EE.gS5.6i~q. 4Yc"a work wah yrxl so y4t, can Ld1e confrW of your a~ourlt and start rebuild"arng year crodH ~ar'sth Capua# . ,•~ Noticrs " tlrtdar ttla ulrtns rw prmvlcxlsly dLsdosad to you, your act~rnlt is now elk,~ble for an inrarsas kt Annual Perrage Ratrs {APRs} eiRactive imrnedfaEely. Fknvever, Capital One t~ edeclat! n~ fa raise yocr APRs at itws toga. Please be advised that if you tat to keep yol,r atx:ounf in good standang, C~pitai t7rEe ressrvK the right to raise your APRs to the talons. IMPORTANT tNFORMATK)hl ABOl1T YOUR GRACE PERK)0: K Jrcw pay yocr ba~rlce to frill erv8ry rrrxlth of your dtle dates, ytnr ~I eEgoy an interelst-tree grace period of ?8 Sys on new prx4hases. Paying Gy Your due daEe also t>elps you avoid late flees. Please see xte track oryour sMtemarlt far neon; det~ls and thank you t~ yorur txainess. Payments, Crerriits & Adlustmerr#s Transactlpit8 1 23 MAY PAYtv1E1~tT.ADJtJSTAAENT S30.f%3 2 ?3 MAY FItVANCE CWIRGEAt7Jl1u^TMEhtT $0.02 3 3i MAY RETURN tCK FEE $29.00 4 23 JUN PAST tniE FEE $29,.00 5 02 JtJL PAYMENT PROTECTIOtJ 1-EBB~`527.690+t $6.1 t E:ii:`,?; .,... v: (i'% 2 >,J 'C)tE?2 r'i,:;fi t. ~.a.t ~ :7I ~`z"~tt: i``,t> PLEASE Rl:TiIRN PC~IiTtOht BELOW WITH PAYMENT Ufi LOG ON TO WWW.CAPrrALOtJE.CO0.A'r0 MAKE YOUR PAYMENT OrJ LINE Q 52911520274873U1 131 OE5932400300001Q3004. +C~pi~Q~~'. ~ wturs In yrxll waNat?` 111 Account Number: 5231-f520-2748-7301 New 8atance Minimum Paytnerrt Due Date $893.24 $103.0(? Jul. 27, 2007 PLEASE FAY AT LEAST THIS Ah90LINT Amount Enclosed fapitai One Bank P•4- t3osr 7088k Illlrlltl/I11111in11 ~. {her tone, N{ 28272-088# IIII/IIt1111111IIEI III/ItlllllllElllltll1111EI IE111111EII11III Pleasr print address or phone number ehang+es below using blue or black erlk. Address Nw»e Fhone Arierrh3re Mwne F-mail address (f~ ase_e~t"r~a~ai~~si2ze .:,a3:~. t:: sa~rs:rsr:[x ANNIE A KRdL-KNIGHT ~s sHErtw4aa cxR ENOLA, PA 17025-3838 I1lllltliiillitlllll111llltllli/ll/IFllli(1111t11111111i EI/ Please write your account number on your check or money order made payable to Capita! One Bank and rreail with this coupon in the enclosed erwelope. ANNlE A KRt}t.-KPJtGHT 3. Hew to Avow a Pittsrtne Cttarps i e. Crraew Period.. Yet wH havb a mintmun praea p.npa of 25 days withdd Ifnwwe dtarpe orr new 3turcltaesw. new trWprcr Garrefers, now rprdat purdtaaas antl new other tlYarpaa. a ynt} pay Your totes "NrM srMtanrx". in aocorWnea- ester dra IreKtonmt tduaos Apr peymenb !I 6alow, one in tlrtr for h to be aswtlawtl M Ynw DalmEwnt due tlsln. Tape la rxa yrarae pertotl at cast[ advwrcas and eprt#ari irenstsrs. In aderAian, stare k ro grace Dbnnd I, ~ ary Ga+twdton it you do rmt pq tlta blal 'Nees ttaWrce." b. Aatmtinp Flttartee Cttatpe. Traraapbne wMeh one nt# aY6pat 10 a prirC• gerfo+J eN assessed Hnane» ChwrQa 4 ) Isom ltte tlats d Ihs #enrsCpprt pr~ 2j from Ihw dale the trarycnalion .a ptacerasurl W yore Aoottuni ur 3F from the faa;F ,slender etsy d fie tfarerrt bang period. Aettpdttttaplt xyau des nd flay ear "Nevr BaWnca` tram fhe pnvkats bipkg Metter tat full, Nrtttnae dtarpea pongtrue to arau~ue W ya„r unpaid batertew carat sae unpaid trwkrves is paNl in hAl. lists awanp that. yaw may atW avro arwrtce aharpes, evrtrt M yet say the emirs New 9alanm indlealsd ors tfte IraM e>f your statemem by nett paynrwri dYa dares. hwa dtl not r!D as !or eat prwldua march. UapwW Mrrance dtarpra err adtled m ? c. Wrtl ~~nertt»C m d yrwr Aoooura, tit'ps- For arch Wipq (twrkttl dun year aoowyd b stdtjeLK t» n pntatx oherge, a minimum fatal tINANCE gtARGE o1 ~ o.SO wail ba imposed. t d TatYtpwary Nrdueatert kt Ptetarws CbM>!s, YJe raeerya aye nyM !P trot eaearw pny ex all anplce dtaryOe ter any gMpt btllinp perod.. y. Awsapw Daay tltManae (MchM rlrpt l~asw Purehrae} F'inatYpa dtanye to d!ctaetwU by awlRplybt eat deity bslancw of trash rwpnwet:t of yauy aca7Unt (..(}., csa~. rtdYattcw, ptaclptsty Mtedel trartei4r, and apwriei purdraae) by We onr*oapandanp daily parodic rate~s)ltset hm hash Drovicusly disdeterd to ywYU. At aw tsM o/ esctr day tldratp tree ftN&rt(( period., vm +tpDtY ~ Aapy parlpdic taco !breach eepmerttdyowr aasoum to me tlally belenr» daaah srpmem. 77tan at 1fr aced ttt 1M blplny parbd, rw add up tM results of Weae deity ulcnlattorts to arrNs at your aattprGe fsranw drsrye fen eaeyr sepmertt.. U4 add tRf are msulta [mm each segment to wove wt sae rolel parktde anartca d+arye fa your acraaum. Tb W the deity belarwosfor ewctw aearnenl d yrflif efaaaUnT. NM take ltre beQWnbt(t OMpree XOY cash aeprnam aM add any new uarrMOtkru and arty psrtedia tkssrtpp eassripe etNctalatad orl dso itrovbtfs days balano0 for sun segnrrnt. Wes rtewr afimera any tarNneris a rredtlr poewW as of Wat dap aces an apocated to amt an(tmenl. Theo yievs >A Wes separate tpily betwnp far sadr asprrwH of your accoum. 4tpretw~ur it yaY puitl We New Balance ahwam an Ynrrr prwvfotm atwtamwm in fop (nr it yrwr now tmlwroa was zero a a credit anottmt, new b'erwaoepne, whlelr poet to Yowr Durettaaa fir speo7sl pttrahaae aapttarna ate etol tMded to eta deity ttttlattaaa. t^tr eMaliaw trwr awereyp daily balnnrAf by adcltng ail flat rrpy hatartrsra eagaarsr aM diJMiewy trws wow try the rtwntmr or Hw days in ass eurrrnt bapnp cycles. To dalwlete yow foist lerwrrce ctarfla, naiG'pty ywr averapr dsiy balwtne rsyafa eerily Dwnada Me ana by ats rturttttar d Wye in 1hs lratftp par(od. Due io Iramdinp em a daily 6pas err dues tb ndttkrrum ananca dhwyr eraatrenrYm. ihM4 rnrty bR w varklmpe lMhMakrt 7Na awtcutaporr and ttNy eradeal[ Ot /rfeaee ohrrpa aeetMlY attsreaee. S, AnnYN Perpedwpe Noses (APR). a. Ttttr tarot °Mntml PeoraanYtgu I'tatu" n+eY,At'~r as "!WR'ryrt eta from std Wkt earaamwm. b. if rtes oeods P (17ktarfsrty Prime). L (Ourr4sdy LI90RY, C (c]uansdY C.4}. or & fBsricoard Pnts+rt) aPPeenf on the Goat ref ttt6e alektmrm next W err taf:w,aro rate(s), rtes tartuma ratlYll arM tarNatptfndGtp ANNUAL PEttCENTA(yE RATES msY vwY pW rtYy was nwy inMNae br rsserawse LWd an a3s tnstad ardicre, as Pownd wt 'rnw VJNI .rsYeet JdYrrral, Dkts aw rgaip(lin prsWuuay tl'rst:icaaetl In you. Tiwrar etvtn{yes will be dfedhre an the 11ret elsy d you bpthN pedpd cry/ared by Y'om' partpdb sraroment andirrp M tlrw monuta dJanYary, Apil, JWy atxt October. c If tlta eaxtr D (Monthly Pnrtv). P (MYntWy LiBOR), ar O lTraaetaY LJdOR) a(>Ftpars tNr Stn Gem of year staMmarrt note to ate penetde rate(s). ate psriodla terse artd txaraaptfndinp ANNI,lAit. PERCENTAGE Rtl`tE3 may vary monthly and nwy bttavaw ar deeyerefe basret on Iho atatwel aMioss, fa fatted M t'Ne Wee dlrrawt Jovaal, tws thr mrrpM pwM! wdyd"atdpawd m yea,. Thrse ehangetr wip be etfeadw err the brat day d yewr bifkg pwrkad eMh ntprtat. 4. Aaegnrrd d Lets. C+rwrNrnM awd ReturftW Payment Rww. tlrMrt the tenets pi your rataeartlsr apraeroronL we Mlerndtpteotlan a] twrptus ar one to Naaea any feu wltlfprt y+:kt vaiWautwattrietp duretpM eoaeaees ifre erne waimpwfesa at w 4tareme_ t ff. NaresWrgy Maur AeonYrN. N a tEYrmtMyattip fee eppsars on the tYpnt aP year statpnttatt, yea frays 30 flays sett the date ais sWemerit was nnNkM oo you n pyokl Dnykt® We tms ee to haw atrctt ise ttradted to you 1! you awrcN year eottwty vathora ttatntty W pay the neemberaMp M1fe.. To caatlol yore aeOOYst, yyoouU must eerily of try oiptrtp our Customer Ralaeorra Ospanmorn. dnd pay your •NSw Harattoe" in fits (ear/udkwp the membership fr) ilea io ifw arW d ttta erknY~day ptrr6od. 8. It YOU Ctoae YWrAaopYtd. VWr own trgatat ro dose your aomttntbyCNpnp p~rCuslonterRele[axu Odparateent. You marl rfaaroY Your tzwrSC raed(r) end acocant access dtadra, tartoel aft ptteatahdnzed bppnp amf eases tasi:rtp your aacptad. AMr your rarnrswt tr doss. y yes oaaira» m tresses a tlo w[ earmel prowWarizod bppnp arrartyomdma, we wilt mrWdta rarrlpldw dwtgw yrax auaranzrdfon car keep your account open. Adq?rtonptyS your ac~aaum will trot hrf doaetl rang Year pay ail amounts you acre ate IntludGry: any aw'+aaaFaw ytw latao aUttwnzeW, }Inerrtx dutryos, past eM+c brat, overarrrk Wrs.. rMUrrxsf fufyrttwrl foes, uesh adverwaw toffs and arty otlaer Pacts aaaetl6ed tD your eecoum, Yet aro respartttdbla for thus arrtattrts rrt'+slhw (trey appssrtrn ypta aceoYnt at des Mora you rmuest to de»a the aexrwnt ea tMy am ka:urrwd wubawgrwtm b yea twgr,twtt Gf oases pre er»mud. lhlr may rertuN ka dmrprs appurinp on your ecwum sitar you have rtrquastad the a0aatrnt to br rbred. • • '^"`a - rw 't;a[o »Y' aiccourtt Cannnl Ar tatatl to arxfnbcpon wpb arty kttrmsi gantbknp tratvediprta. E. Notteu AtrwYl EMcbonb Check Cenvarabpn, 6'vlten toY txovkle a rAer3r as poymerd, .you atferaize ua riltwwrGt Yee inftNmstppn trpsll your Check Lo ntaitr a onNms eMpaonta fund yanafer atom year bank a.au<Irrt ar to propem itrr psym.m as a rJrftck LronsaMlOn. Wtwn yr use uttamteaon from }ow oMCk to make an Nwcaprye fund GanS}Cr„ fwntls may tx: wattdretvn from yatrr bsrtk account as roon as ate sanrr etey vre reeatw ywr payrneri, and you tma not reotNve Ytsttr aFrerh b9ak from Your dnwreiel kUtNtrtlon. 81l£fNG RI(3tiT$ $UMMAAY (tn rr`aaD aP Fryers or Qupafitata at:rrwt Your gip) It you ehfrir ytxtr lip is v ry, nr a you rmwd nanra inkarmaalnn cm e tranawgion ~ biY, wrrilw to to ors a aepwrri sheet as soon sa pwelble al eta nddlraas (or Im(etidra shown ray ihr intnt of the stakxeterd. 1"!a must Paew from yoY na latex Wan ~ days eRm~ we aunt you the finN'tWl ttrt viffidt 4ha star wr prahlMn apfatered. lbcr aen cap our Cuatprrar Rdnffiona number, but dolrp an wilt ruN luaewrve your rilpt4. In yowl lacier. pWa t» Ifle fi7a~winy iraorwretian: your rYVtto arro aaape%ni ntartbpr, MB doper ansount M ail susprctsd emir, a dreCr$eaan dlha snot Aro an atrplanatloet, a pt>aet6ys,. of why yes balisvr there Ia an wrd; ar d Y+>t+ nwW mats bdamwleort, a deaadgign at thvY item you am unsuro wbouL You der rql hsvr lp oeY ®n3r amount r epxespun whae wve ant in~et7+dagt a, bca: Yew era shit p0lipatsd tp pqy the pans of ytxlr bill that ere rcpt Sn qusttaon. Wh(b ve irrvespiMta yae,r ttrtsstktn, we canon[ capon you ss depaayrlere wr term troy adian In tAWlad the amounl3ratt Wsstwrt, #, t Spop~al itu/etter Credit. Carp Purdwaas H you nom a praMwn wltly dxo quapry d pn;htwty or•aen~icee etas[. You pstrtti+ented aster a utedp ceryf and you [taw teietl in taepd teeth tv cprrrcl IMr probW m x+at peer rnent1M11. yes r>sy. have the nyhl nca kr twY aas rvsnainirwy mwxaM duu orr 4Mt tacpwty or rrtr+tceya.. You newt Ihts prororpetn bnly atattett arty purehaee pries Yara i!ttMa than 9',SO.P10 and the purahasa was made h your home state tx vnawin tOC mitts d your rrmpsry address. (EP tw own or operate tr 9 marCnsnt, car it wp rnaniyp ywe itw advsrlia:pmnry rp fJre prtgperfy ar awvlceta, ail pvrdtaxer way rsavwred ntgaMktrw nt amount a taroMion d purrTeae..) Plsuse rertrmnhsr to tier wtl pareaportdsncr. '~' LArsF.naf wppiy fa cataarrarr namcrtxtw rdffM enCnanla S DVrrae oat appuy W lvubtosv r+un•erbcltl decd aexakvtta Capita! Otae wpaxis inlpnnelrtm privacy (anleotian: sees ow webaae of Wl1s..W..4apEla.(W1.4.9A.!In. CaryfaE Oros le a tettrraay nryhafrad ttwvicr snack n! Capita[ ilea FinandN Caporepat. pt1 nyf+ts maarved. ~ yPaaN Capaal Uno Tr,.oe VIDMauSU- t ~ CN3UfG7 tmDOrtam eaeoe: Dwnorata You mar m of we ba creW Wt W Yrnx ea'AUnI act of a10 bainraf dry av retlsr/e ti crw.fted :: SI setd the bOtlil+n Nataltdltria fleier}rrd and Ytt~ Yom'rrtaca kr ere sndaasd ram~rtrx srn'9epe and l11 Yp+r paYrnent k rscsii.+ed Ir our croosaang atrHrr ay 3 p.x;. Et' (12 noart t'SY. Minas dkrV al kESet tw l4) hrainortr days fnr pmmi tldirary. DsY:natlo roed!.W teyuf. cal any odmr kcalktr ar xt cry#rin iMtN Ylity mtLOr ertrxbd M d ore der wa refswe ihda. dir (rJalnau days fro hif t!NY Yrvtxnyt &'It1N6'IY. axfhl.~liro( hfaetye. r+,eete do test vac flapkfs. DWtr* mP%. etc. +rhers DnPatrKf Yce` paynem. C'apitafQ~° st3oat 7 • Knew }°on.r credit; limit :tnd the amount of credit availakxtr• fi'c>r vaxtl° use:. • lti•IaixttaiEr a grand credit. histoly...it. affects ln.orc aT•cas of your life than just }our ability to get a rrc:rlit card. • i_1se a trE.idget to Yrel}> yoxx sC:e what. yot.x roan af~'ord to lytx~i no~v axxrl to helix ~volx save fir thr.: IixtxEre. • LTnric=rlt.:xnd t.h.at. the cost of r.ceclit. inch.trlrs trees as rve)] as intr..rest.. • .Request: a copy of }~otxr credzt report from a credit reporting l:rtxrrau x-egt:xl.arl}•. Prevlo~xs Batan~ Payrtler~ 8 Credits FII+IAflIC1E CFI~IR E Transactlona ttaw 8alartice Minimum Paym~! t)ue pate $579..06 - $0.00 E $20..07 + $94.11 - $693.24 X103.00 Jul. 27, 2007 May. 24, 2007 -Jul. 02.2007 Page 2 of 2 "'?'' PLis1SE Md' AT lFAST iN15 AMfIIUiF Ate~rd p~m ~~~ Your acoounE fs 9Q days past due and yrnrc Payment ProEecElon coverage tins been suspended. As sEated M ~2$!•152q-2T~-T3t)t Y~r ~k~~t ~ ~eement Y~r ~e ~1 t1Y cttarge wig be reinstated once ytwracCdurrt ~ no longer 90 days past due. Yau may sgN be elglble for taerteflRs to tae paid #o your accounE for bas events Your ACCOU11t Intormatioin descr9bed In your Payment Protactkxt agn3etrtertt. Call Stonetxuige t3erteflE Services ~ 1-88527.8904 to see: TOTAL CREDIT LIME ~g00,{~ yOUf 86tUatiOn 1§a8 fOf bBn~tS. TOTAL AVAft..fiBl.E CREDIT CRED!'T LIME' FOR CAS!-[ 5206.76 You ~re assessed a pasi due tea berausa yoeu mrcrirr~m payment was nat received by late due dab_ To avow .AVAILABLE CREDf7 FOR CASM $900.00 5206.76 tHs fee in ~ future, tre reranamertd that you albw at least 7 bussness days ~r y~r mir~mum pay»aerrt to rase Capes[ One. E:*Q:Sti :~iii6 1 fJ ~+ x. ,'i?'Q Ii~1 i~F£~,L: 2 ai' 2 Gt€7*fitii)5ti .. I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A. , hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Annie A Krol-Knight 71 Sherwood Cir Enola PA 17025-1838 Date: August 17, 2009 Gr g L. orris, Esquire Pa naud & Felix, A.P.C. 21 E. ain Street C ie, PA 15106 (4 2) 429-7675 PA_65 Certificate of Service P&F File No 08-63887 I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A. , hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Annie A Krol-Knight 71 Sherwood Cir Enola PA 17025-1838 Date: August 02, 2010 PA_57 Mtn SumJgmt P&F File No. 08-63887 (412) 429-7675 3ep-r 11,,20!0 Cumberland 01x4y ?,?khono?`a?y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff NO. 2009-00034 V. ANNIE A KROL-KNIGHT Defendant(s) PRAECIPE FOR ARGUMENT TO: Prothonotary Please place the above captioned case on the Argument List for October 6, 2010 Issue(s) to be argued: Plaintiffs Motion for Summary Judgment. Thank you. Plaintiff's counsel hereby certifies that a copy of this Praecipe has been provided as provided for by the moving party. See attached and below. Date: August 02, 2010 Respectfully submitted: Patenaude, r?Felix, A.P.C. 213 Main Street Ca egie, PA 15106 (412) 429-7675 A copy of this praecipe has been provided to the following by the moving party: ANNIE A KROL-KNIGHT 71 SHERWOOD CIR ENOLA PA 17025-1838 PA_l58M Praecipe Argument Monroe P&F File No. 08-63887 I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A., hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Annie A Krol-Knight 71 Sherwood Cir Enola PA 17025-1838 Date: August 02, 2010 PA-65 Certificate of Service P&F File No 08-63887 Carnegie, PA 15106 (412) 429-7675 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. ANNIE A KROL-KNIGHT Defendant(s) NO. 2009-00034 PRAECIPE FOR ARGUMENT Filed on behalf of: CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA_158M Praecipe Argument Monroe P&F File No. 08-63887 ~. CAPITAL ONE BANK (U.S.A.), N.A., PLAINTIFF V. ANNIE A. KROL-KNIGHT, DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 09-0034 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE GUIDO. J. AND MASLAND, J. ORDER OF COURT ~` AND NOW, this ~ day of October, 2010, the motion for summary judgment filed by Plaintiff, Capital One Bank (U.S.A.) N.A. against Defendant, Annie A. Krol-Knight is DENIED. By the Court, Gregg L. Morris, Esquire 213 E. Main Street Carnegie, PA 15106 For Plaintiff Annie A. Krol-Knight, Pro se 71 Sherwood Circle Enola, PA 17025-1838 Albert H. Masland, J. :saa 0 ~ • ~ ' ' C") ~: ~. 'Tl -- ra ~ -~~ ^-i -~.. -tl j ~ --, ~ - --i "O f..n ~ ~o s C/? 1 -~ "" ~ ~ n ~~ 1 rv ~~_ A° ~-~, - ~ ~ ~~ ~' ~ .~ - a~ n ~ w ~ i CAPITAL ONE BANK (U.S.A.), N.A., PLAINTIFF V. ANNIE A. KROL-KNIGHT, DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 09-0034 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE GUIDO. J. AND MASLAND, J. OPINION AND ORDER OF COURT Masland, J., October 15, 2010:-- Before the court is the summary judgment motion filed by Plaintiff, Capital One Bank (U.S.A.), N.A., against Defendant, Annie A. Krol-Knight. For the reasons stated below, Plaintiffs motion is denied. This is a collections matter arising from an allegedly delinquent credit card account. Plaintiff initiated this matter by filing a complaint against Defendant. In response, Defendant, representing herself, filed a timely answer to the complaint. Plaintiff characterizes the answer as a general denial, which it is not. Instead, Defendant's answer addresses each paragraph of the complaint individually and admits or denies the allegations contained therein. Relevant here, she denies the allegations in paragraph four of the complaint where Plaintiff avers the amount allegedly owed. The Defendant stated, "[a]ccount amount is not correct and is believed to have been over inflated." Ans. at ¶4. After receiving Defendant's answer, Plaintiff served a request for admissions on Defendant. Defendant never responded to the request. Accordingly, Plaintiff asks us to deem all statements contained in the request to be admitted. We decline to do so. Generally, a failure to respond to a request for admissions amounts #o an admission. Innovate, Inc. v. United Parcel Service, Inc., 418 A.2d 720 (Pa. Super. 1980). Here, however, } 09-0034 CIVIL TERM Plaintiffs request for admissions simply reiterated, nearly verbatim, the allegations already contained in the complaint. In doing so, Plaintiff attempts to take a second bite at the default judgment apple. A request for admissions is a discovery tool used to clarify and simplify issues raised in prior pleadings in order to expedite the litigation process. Christian v. Pennsylvania Financial Responsibility Assigned Claims Plans, 699A.2d 733 (Pa. Super. 1996). Such a request should not be utilized to overwhelm an unrepresented defendant with voluminous and unnecessary filings. As the record indicates, Defendant has already formally admitted or denied all the statements contained in the request for admissions in her answer to Plaintiffs complaint. Accordingly, the allegations are not deemed admitted. In light of our determination of the request for admissions issue, our resolution of the merits of Plaintiffs summary judgment motion is simple. Plaintiff sues defendant on an account stated claim. Where a claim is based on an account stated, "the account must be rendered, and the other party must accent, agree to, or acquiesce in the correctness of the account." Target National Bank v. Kilbride, 10 Pa. D. & C. 5th 489 (C.P. Centre, 2010), available at 2010 WL 1435304, *492 (emphasis added). Here, Defendant disputes the amount owed. Ans. at ¶¶ 4, 5. Accordingly, a genuine issue of material fact is in dispute rendering summary judgment inappropriate at this time. Plaintiffs motion for summary judgment is denied. -2- 09-0034 CIVIL TERM ORDER OF COURT AND NOW, this ~ day of October, 2010, the motion for summary judgment filed by Plaintiff, Capital One Bank (U.S.A.) N.A. against Defendant, Annie A. Krol-Knight is DENIED. By the Court, Albert H. Masland, J. Gregg L. Morris, Esquire 213 E. Main Street Carnegie, PA 15106 For Plaintiff Annie A. Krol-Knight, Pro se 71 Sherwood Circle Enola, PA 17025-1838 :saa -3- ~l~~~~'s~~~-~ ~~~~~~~~ '~~'A1S°+~+.,~t 1ta, i~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. NO. 2009-00034 The Honorable Albert H. Masland ANNIE A KROL-KNIGHT Defendant(s) PLAINTIFF'S MOTION FOR RECONSIDERATON Filed on behalf of: CAPITAL ONE BANK ([J.S.A.), N.A. ,Plaintiff Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 You are her by notified to file a written re o se the time provided y e es of Civil Procedure or a jud t e entered against you. PA_186A Scheduling Motion Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PBcF File No. 08-63887 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. ANNIE A KROL-KNIGHT Defendant(s) NO. 2009-00034 MOTION FOR RECONSIDERATION TO THE HONORABLE, ALBERT H. MASLAND: The Motion of Plaintiff, above named, by and through attorney Gregg L. Morns, Esquire, respectfully requests that this Honorable Court enter an Order of Court granting reconsideration of the Court's Order of October 15, 2010 pursuant to 42 Pa.C.S.A. § 5505. A copy of the Order is attached hereto for the convenience of the Court as Plaintiff s Exhibit "A" and is incorporated herein by reference, and Plaintiff accordingly avers as follows: 1. A court may modify or rescind any Order within thirty (30) days after its entry. 42 Pa.C.S.A. § 5505. 2. In all cases, the Rules are to be liberally construed to secure the just, speedy and inexpensive determination of every action or proceeding to which they are applicable. Pa.R.C.P. 126. 3. Plaintiff filed a Complaint in Civil Action without billing statements attached to the Complaint. P&F File No. 08-63887 PA_186A Scheduling Motion 4. Defendant subsequently filed an answer admitting or generally denying the averments of the Complaint. 5. Plaintiff s counsel served Request for Admissions which attached and included twelve months of billing statements for the account. A copy of the Request for Admissions is attached to Plaintiff s Motion as Exhibit "C". Said statements show that a payment posted to the account on May 23, 2007 in the amount of $30.00. See Plaintiff s Exhibit "C" at statement with a payment due date of June 23, 2007. 6. As of this date, Defendant has failed or refused to respond to the Request for Admissions. 7. The Rules expressly provide as follows: Each matter of which an admission is requested shall be separately set forth. The matter is admitted unless, within thirty days after service of the request, or with such shorter or longer time as the court may allow, the p~rly to whom the request is directed serves upon the pares requesting_the admissions an answer verified by the party or an objection, signed by the party or by the party's attorney. Pa.R.C.P. 4014(b). (Emphasis added.) 8. As of this date, Defendant has failed to serve an answer or objections to the Request for Admissions. 9. Defendant has acquiesced by making payments on the account. Paragraph 5 is incorporated herein by reference. 10. Plaintiff has a meritorious claim and will be unduly prejudiced unless the relief requested is granted. 11. The Superior Court has noted that a pro se litigant is not entitled to any particular advantage because he or she lacks legal training. Commonwealth v. Rivera 685 A.2d 1011 PA_186A Scheduling Motion P&F File No. 08-63887 (1986); and Commonwealth v. Adams, 882 A.2d 496 (Pa. 2005). A paternalistic approach was also rejected by the Court in Simeone v. Simeone, 525 Pa. 392, 581 A.2d 162 (1990). The Supreme Court noted that "contracting parties are normally bound by their agreements, without regard to whether the terms thereof were read and fully understood and irrespective of whether the agreements embodied reasonable or good bargains." Simeone, 581 A.2d. at 165. The Simeone Court declined to declare an agreement void because one of the parties had not consulted with independent legal counsel. The Court noted to impose a per se requirement that parties "must obtain independent legal counsel would be contrary to traditional principles of contract law, and would constitute a paternalistic and unwarranted interference with the parties' freedom to enter contracts". Id. at 167. WHEREFORE, Plaintiff requests the Court enter an Order granting reconsideration of the Order and thereby granting Plaintiff's Motion for Summary Judgment along with any additional relief the Court deems proper. Date: October 29, 2010 PA_186A Scheduling Motion P&F File No. 08-63887 i~TION I, Gregg L. Moms, verify that the statements made herein are true and correct based upon my knowledge, information and belief. Counsel has verified this pleading as the facts set forth herein are more within his personal knowledge than that of his client. The statements are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. I am an authorized representative of Plaintiff in the above matter. By virtue of the fact that the Plaintiffs representative is outside the jurisdiction of the Court and the verification cannot be obtained within the time allowed for the filing of this pleading, the pleading is submitted by counsel having sufficient knowledge, information and belief based upon the information provided to him by the Plaintiff and based upon his own personal knowledge. The verification of the party can be provided at trial or if requested. Date: October 29, 2010 PA_Ol Atty Facts Verification P&F File No. 08-63887 CAPITAL ONE BANK (U.S.A.), N.A., PLAINTIFF V. ANNIE A. KROL-KNIGHT, DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 09-0034 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE GUIDO, J. AND MASLAND, J. ORDER OF COURT ~' AND NOW, this f~~ day of October, 2010, the motion for summary judgment filed by Plaintiff, Capital One Bank (U.S.A.) N.A. against Defendant, Annie A. Krol-Knight is DENIED. By the Court, ~'Aibert H. Masland, J. Gregg L. Morris, Esquire 213 E. Main Street Carnegie, PA 15106 For Plaintiff Annie A. Krol-Knight, Pro se 71 Sherwood Circle Enola, PA 17025-1838 :saa CAPITAL ONE BANK (U.S.A.), N.A., PLAINTIFF V. ANNIE A. KROL-KNIGHT, DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 09-0034 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE GUIDO, J. AND MASLAND,_J. OPINION AND ORDER OF COURT Masland, J., October 15, 2010:-- Before the court is the summary judgment motion filed by Plaintiff, Capital One Bank (U.S.A.), N.A., against Defendant, Annie A. Kro1-Knight. For the reasons stated below, Plaintiffs motion is denied. This is a collections matter arising from an allegedly delinquent credit card account. Plaintiff initiated this matter by filing a complaint against Defendant. in response, Defendant, representing herself, filed a timely answer to the complaint. Plaintiff characterizes the answer as a general denial, which it is not. Instead, Defendant's answer addresses each paragraph of the complaint individually and admits or denies the allegations contained therein. Relevant here, she denies the allegations in paragraph four of the complaint where Plaintiff avers the amount allegedly owed. The Defendant stated, "[a]ccount amount is not correct and is believed to have been over inflated." Ans. at ¶4. After receiving Defendant's answer, Plaintiff served a request for admissions on Defendant. Defendant never responded to the request. Accordingly, Plaintiff asks us to deem all statements contained in the request to be admitted. We decline to do so. Generally, a failure to respond to a request for admissions amounts to an admission. Innovate, Inc. v. United Parcel Service, Inc., 418 A.2d 720 (Pa. Super. 1980). Here, however, 09-0034 CIVIL TERM Plaintiffs request for admissions simply reiterated, nearly verbatim, the allegations already contained in the complaint. In doing so, Plaintiff attempts to take a second bite at the default judgment apple. A request for admissions is a discovery tool used to clarify and simplify issues raised in prior pleadings in order to expedite the litigation process. Christian v. Pennsylvania Financial Responsibility Assigned Claims Plans, 699 A.2d 733 (Pa. Super. 1996). Such a request should not be utilized to overwhelm an unrepresented defendant with voluminous and unnecessary flings. As the record indicates, Defendant has already formally admitted or denied all the statements contained in the request for admissions in her answer to Plaintiffs complaint. Accordingly, the allegations are not deemed admitted. In light of our determination of the request for admissions issue, our resolution of the merits of Plaintiffs summary judgment motion is simple. Plaintiff sues defendant on an account stated claim. Where a claim is based on an account stated, "the account must be rendered, and the other party must accept agree to or acquiesce in the correctness of the account." Target National Bank v. Kilbride, 10 Pa. D. & C. 5th 489 (C.P. Centre, 2010), available at 2010 WL 1435304, *492 (emphasis added). Here, Defendant disputes the amount owed. Ans. at ¶¶ 4, 5. Accordingly, a genuine issue of material fact is in dispute rendering summary judgment inappropriate at this time. Plaintiffs motion for summary judgment is denied. -2- 09-0034 CIVIL TERM ORDER OF COURT ~z, AND NOW, this ~S day of October, 2010, the motion for summary judgment filed by Plaintiff, Capital One Bank (U.S.A.) N.A. against Defendant, Annie A. Krol-Knight is DENIED. By the Court, Albert H. Masland, J. Gregg L. Morris, Esquire 213 E. Main Street Carnegie, PA 15106 For Plaintiff Annie A. Krol-Knight, Pro se 71 Sherwood Circle Enola, PA 17025-1838 saa -3- w I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A. , hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Annie A Krol-Knight ? 1 Sherwood Cir Enola PA 17025-1838 Date: October 29, 2010 PA 65 Certificate of Service P&F File No 08-63887 0 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff V. ANNIE A KROL-KNIGHT Defendant(s) NO. 2009-0003 ~..~ ~~ .rx.- -- L(a T} r.- ..'_ .~ c~ v ca -~°' "'' r~~,, ~ -~ ~ ~ ~ ...., ~R "7, n w ~~ ...,. y. _. ~ PRAECIPE TO SCHEDULE ARBITRATION HEARING Filed on behalf of: CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morns, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 ~d~.0o P4 ATM Cx 50g3$ ~,~ ~~(o PA_l58 Praecipe for Appearance P&F File No. OS-63887 L IN THE COURT OF COMMON PLEAS OF ',~ J Ord ~a»~C. ~5~~ JIIl4 ; CUMBERLAND COUNTY, PENNSYLVANIA 1°/ NO. ~~3y-CIVIL 19 ~' ; ~r~ni~ ~• /Yra ~ - Xi~i~c h~ RULE 1312-1. The Petition for Appointment of Arbitrators shall be substantially in the following fonm: PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: ~ ,counsel for the plaintiff/defendant in the above action (or actions), ~~ respectfully represe s that: 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of the plaintiff in the action is $ ~-`~~. The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitted, ORDER OF COURT AND NOW, , 19 , in consideration of the foregoing petition, Esq., Esq., and ,Esq., are appointed azbitrators in the above captioned action (or actions) as prayed for. By the Court, P.J. I, GREGG MORRIS, attorney for Plaintiff, CAPITAL ONE BANK (U.S.A.), N.A. , hereby certify that a true and correct copy of foregoing document was served this date by ordinary mail upon the following: Annie A Krol-Knight 71 Sherwood Cir Enola PA 17025-1838 ~1 Date: October 28, 2010 Gregg L. Morris, Esquire Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA_65 Certificate of Service P&F File No 08-63887 IN THE COURT OF COMMON PLEAS OF D/7~ ~G~J7~c. ~~ ~~ CUMBERLAND COUNTY, PENNSYLVANIA ~• NO. ~~3y~~CTVIL 19 RULE 1312-1. The Petition for Appointment of Arbitrators shall be substantially in the following form: PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: counsel for the plaintiff/defendant in the above action (or actions), respectfully represe s that: "" 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of the plaintiff in the action is $ ~`~`~. low? The counterclaim of the defendant in the action is The following attorneys aze interested in the case(s) as counsel or aze otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) azbitrators to whom the case shall be submitted. Respectfully submitted, AND NOW, foregoing petition, Esq., and _,,,~CLn-t_2.+ actions) i~pra~,gd foF: o -- UO _ ~Q ~ > ~~ ~~ c~ ~~ ct ° W ~ ~ `~ can ~ ~+- ~~ ~ mW ~ ~ ~_ ~ - 0 CV C~ ORDER OF COURT ~a, in consideration of the Esq., _, Esq., are appointed azbitrators in the above captioned action (or -~G.~i~ i~fyllo ~~ By the Court, ~ ~!• /~ P.J. CAPITAL ONE BANK (U.S.A), N.A., IN THE COURT OF COMMON PLEAS PLAINTIFF OF CUMBERLAND COUNTY, PENNSYLVANIA V. ANNIE A. KROL-KNIGHT, DEFENDANT 09-0034 CIVIL TERM ORDER OF COURT AND NOW, this /0 day of November, 2010, upon careful review of plaintiff's motion for reconsideration of the court's order of October 15, 2010, the court finds that there is no basis to alter its previous order and consequently the motion is DENIED. By the Court, / > /Gregg L. Morris, Esquire 213 E. Main Street Carnegie, PA 15106 For, Plaintiff Annie A. Krol-Knight, Pro se 71 Sherwood Circle Enola, PA 17025-1838 saa CC LIES rrIaL Albert H. Maslan , J. CI 71 CD F ca :: r CD PA C.4 PsTA+ L ON€ S*N k (14-104) N. Plaintiff ?}nrevs? A . ?C2 ? - xn?rb ?t T Defendant We do solemnly swear States and the Consti with fidelity. i Name In The Court of Common Pleas of Cumberland County, Pennsylvania No. 0O03+y Civil Action - Law. Oath firm) that we will support, obey and defend the Constitution of the United of this Commonwealth and that we will discharge the duties of our office 671i 2,4wdL? A Stance Law Firm Ali-bk n W LPOA; 13 oo IvMAgkA'r sr Address SO iT9 10 1 i5rAoVne- ra L1<---+4? City, Zip l gnature Dwtej- ?- Name Signature ?ia??''c??' ?? ?SlrPf y Name 6 A%A,l DAQ 6 Yotf? &Jt?w}? P",-. 0??, d""I (7 S do Law Firm Law Firm rrt.? C?.v f-T(50 11dWCAA, l LV.0,5,Kt41YO iZ7 .5 Mellktt 5$ Address Address 0 Ocz,'b S'S-- ti U*4UCS®vAx 17050 City, Zip fis81- A&04V% S',0E-1V'/' /4? City, zip WS3, Award 103A r We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) 1t t to ar F:;" to rA raY m=- -rwir „e-cA74711f15 P6-% D A16 P" n S. J- . Arbitrato"iss (Insert name if applicable.) Date of Hearing: `--k%- 11 Date of Award: 1-4-1k QW Notice of Entry of A (Chairman) Now, the & ay of 201/ , at ? M. the above award was - ?•.--?-? entered upon the docket and notice thereef :givenby mail to the parties or their attorneys. Arbitrators' compensation to b4;,paid upon appeal: $ Prothonotary By: Deputy FILED-OFFI 20 11 AN 1 1 PM 1= 55 ..4 ("UMBERLAND PENNSYLV,A ,! A c6f 1 &C? 44 A 4 S. r Q? ?lS ?^f ; E t T' ?j IN THE COURT OF OMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff NO. 2009-00034 V. ANNIE A KROL-KNIGHT Defendant(s) PRAECIPE FOR JUDGMENT ON ARBITRATION AWARD Filed on behalf of. CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 0 Ad Al y. U D 1 j?'IOrr S PA_142 Prep Jg on Arb Awd P&F File No. 08-63887 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.),'',N.A. ) Plaintiff ) NO. 2009-00034 V. ANNIE A KROL-KNIGHT Defendant(s) PLAINTIFF'S PRAECIPE FOR JUDGMENT TO:PROTHONOTARY Please enter a judgment on the arbitration award in the above captioned case against defendant, above named, in the amount of 693.24 plus interest at the legal rate and costs pursuant to Pa.R.C.P. 1328(e). Respectful4smitted: Patenaude ix, .P.C. Date: February 28, 2011 Gregg M ?`r' , squire 213 tr A 15106 ?Ir-7675 PA_ 142 Prcp Jg on Arb Awd P&F File No. 08-63887 Caprra 4YIVIr Gfi 11 4 In The Court of Common Pleas of Cumberland ntiff y County, Pennsylvania No. Of - 6100" Civil Action - Law. We do solemnly swear { States and the Conti with fidelity. Name l tti?re G+*Ia6A) Name i4d4le. g-a signarm Z;r '444"l.,r ((' Name , l i it?t?F B St-nn?- ?r 0 YdrtfF. j }?,C / J +,?l? S4&1Lr Law Firm - C Law Firm Law Firm / vr-0-y Cba? 13oca 1;srYs ?tOn 1-64 ?, S?m!?o ft7 S Aa-kA' 5f T sr Address So JIV 10 Address Address o _?, f S` Z -Mo yn ?t}'3 AAtrt u?t0??t, t705C) A44*d rr' 1- City, ?- Zip City, Zip city, zip Award We, the undersigned arbitrators having been duly appointed and sworn (or affirmed), make the following award: (Note: f damages for delay are awarded, they shall be separately stated.) name if Date of Hearing: Date of Award: {-`l- (Chairman) Notice of Entry of Now, the -4-iday of entered upon the docket and notic Arbitrators' compensation to L„1201 , at - , M., the above award was given by mail to the parties or their attorneys. upon appeal: s_.3 Sly. ?l+ TRUE COPY FROM RECORD $y: to ToWmaw whom, t two wrb W my h&W PWbbl PL TtZt cf_ , 20 1L '4r. Oath dfi ) that we will support, obey and defend the Constitution of the United of fliis Commonwealth and that we will discharge the duties of our office IN THE COURT OF OMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff NO. 2009-00034 V. ANNIE A KROL-KNIGHT Defendant(s) NOTICE OF ORDER, DECREE OR JUDGMENT Filed on behalf of. CAPITAL ONE BANK (U.S.A.), N.A. Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PA_143 Ntc Jg on Arb Awd P&F File No. 08-63887 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. ) Plai tiff ) NO. 2009-00034 V. ) ANNIE A KROL-KNIGHT ) Defendant(s) ) NOTICE Of ORDER, DECREE OR JUDGMENT TO: ( )Plaintiff ( x )Defendant ( )Garnishee ( )Additional Defendant You are hereby notified against you on 3/7/// ( ) Decree Nisi in Equ ( ) Final Decree in Eq ) 1 ( X) Judgment of( ( X) Judgment in the a: ( ) District Justice Tr plus costs. ( ) If not satisfied wi- suspended by the the following Order, Decree, or Judgment has been entered ent ( ) Verdict ( ) Court Order ult ( ) Non-suit Pros ( X) Arbitration Award of 693.24, plus costs. pt of Judgment in the amount of , sixty (60) days, your motor vehicle operator's license will be )artment of Transportation. Prothonotary By Deputy If you have questions concerning he above, please Contact: Name of Attorney: G GG MORRIS, Esquire 213 East Main St Car egie, PA 15106 (860) 772-7675 PA_ 143 Ntc Jg on Arb Awd P&F File No. 08-63887