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HomeMy WebLinkAbout09-1383IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff VS. HAROLD M STEENBURG Defendant No: (A- 1383 iv??Tfr COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07081621 C N Pit TSW . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. Civil Action No HAROLD M STEENBURG Defendant COMPLAINT AND 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. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. 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. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK (USA),NA is a corporation with offices at 15000 CAPITAL ONE DRIVE RICHMOND , VA 23238 . 2. Defendant is adult individual(s) residing at the address listed below: HAROLD M STEENBURG 106 HAWK CT MECHANICSBURG, PA 17050 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX0905 . 4. Defendant made use of said credit card and has a current balance due of $4275.68 , as of December 23, 2008 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 28.1008 per annum on the unpaid balance from December 23, 2008 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 111" and made a part hereof. ft 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant , HAROLD M STEENBURG , INDIVIDUALLY , in the amount of $4275.68 with continuing interest thereon at the rate of 28.100 per annum from December 23, 2008 plus costs. I'll lames c. WELTMAN, 436 Seve Pittsbu (412) 4 FAX: 4 070816 1 .I ERG & REIS CO., L.P.A. venue, Suite 1400 PA 15219 55 8-7130 N Pit TSW This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. Previous Balance FINANCE Psym irds & Credits CHARGE Transactions Now Balance Minimum Payment Due Date $3,012 68 - $0 00 + $72 89 + $39 00 = $3,124 57 $924 57 May 27, 2007 Mar 28, 2007 - Apr 27, 2007 Page 1 of 1 MasterCard Platinum Account 517&11522410874105 Qr tftsSk Your Account Information REWARDS TOTAL CREDIT LINE $2,20000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $2,20000 AVAILABLE CREDIT FOR CASH $000 Finance Charges (Please am reverse for a portarit nformation) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $2,437.42 0 07712% D 2815% 027 Cash $61162 0 07712% D 2815% $1462 ANNUAL PERCENTAGE RATE applied this period. 28,15% LMIg At Your Service 141WO3. W To cd Customer Rake m ar to report a lost orstolen c and ® Send payments to. Capital One Berk P 0 Boil 70884 Cladottli NC 28272-0684 ® Send Inquiries to. CapBd Orw P.0 Box 30285 Sol Lake City, UT 84130-0285 Q For more Information on your Rewards. Viet were capeebnezinVies reeerds Cd 140228.3001 6056 506 1 7 27 070427 c° ¦wav I what's in yourwallet7 nEASE Wa' AT (FAST TNn AMM AT Your account is six payments behind If we charge o8 your account due to lob paymenls, we wit report the chargad-off silts to several national credit buraeus, and the Purchase APR as reflected on this statement will be applied to all your outstanding balances Act now to prevent ft from happening plaase pay the amount due on your statement or give us a cal at 1800 955.8600 Will work with you so you can take control of your account and start rebuilding your credit wall Captal One "Important Nobce•• Under the teens we previously disclosed te you, Your acoount re now eigibl9 for an nc ease in Annual Peroentage Rents (APRs) effective rianeaialry However, Capital One has elec ied not to rare your APRs at this tinge Please be advised that If you fail to keep your account in good slendrg, Capital One reserves the right to raise your APRs in the future Rewards Summary Previous available balance $1 D3 Earned this period ;000 (rdscls t wooctions posted during this beep rycla) Available Balance $103 Payments, Credits & Adjustments Transactions 1 27 APR PAST DUE FEE $39 00 Your account is 90 days past due and your Payment Protection coverage has been suspended As stated in your Payment Protection aagreement may sla your coverage eligible for ben*% to be ep paid to your account for loss events will be reinstated! once your account is no longer 90 days pest due described in your Payment Protection agreement. Call 9tonebridge Benefit Services at 1.888-5274;904 to see if your situation qualifies for benefits You were assessed a past due fee bemuse your minimum payment was nit received by the due data To avoid this fee in the future. we recom days for your mrnmum payment to reach "Millm Capital One PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052200670905 27 3124570150000924570 New Balance Minimum Payment Due Date $3,124 57 $924 57 May 27, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Endosed C:? Capital One Bank P-0. Box 711654 114111111111181141 oil Charlotte, NC 26272-0664 I IIId6dIIILIln11116111rnbrblllln61l6161lIIllIIIII Account Number. 5178-0522-0067-0905 Please print address or phone number changes below using blue or black ink Address Home Mwr a Atremare Phone E-mail address 11901185667863651811 MAIL ID NUMBER HAROLD N STEENBURG 729 SOUTHERN DR CATAYISSA, PA 17620-8412 Irllllllllllllrlrlllllrllllrlellrfill gill 11111rlelllllllll111 181621 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintf, vV. HAROLD M STEENBURG Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and beli . dG Dated: '?( 4isoward A049 WELTMAN, WEINBERG & REIS CO., L.P.A. n r-2 q A y i ? 9 ll. A 00 V? .1> 7 r ?.J 0 ` CD 6 7y co Sheriffs Office of Cumberland County R Thomas Kline VAOIV, of CUINIQ440 Edward L Schorpp Sheri Solicitor Ronny R Anderson Jody S Smith Chief Deputy OFFICE OF 'H6 SHERIFF Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 03/09/2009 09:02 PM - Shawn Harrison, Deputy Sheriff, who being duly swom according to law, states that on March 9, 2009 at 2102 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Harold M. Steenburg, by making known unto Pamela Steenburg, wife of defendant, at 106 Hawk Court, Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $38.80 (PAID) March 14, 2009 SO ANSWERS, - It &-44W R THOMAS KLINE, SHERIFF 2009-1383 By Capital One Bank VS Harold M. Steenburg f "f CC"7. - W ^.a _?? k?-.,., Yi iii .?... " ?? Michael J. Pykosh, Esquire ID # 58851 The Law Office of Darrell C. Dethlefs 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone - (717) 975-9446 Fax - (717) 975-2309 CAPITAL ONE BANK (USA), NA: IN THE COURT OF COMN CUMBERLAND COUNTY, Plaintiff V. No: 09-1383 - CIVIL TERM for Defendant VANIA HAROLD M. STEENBURG Defendant To: Capital One Bank (USA), NA c/o James C. Warmbrodt Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 You are hereby notified to file a written response to the enclosed New Matter within twenty (20) days from service hereof or a judgment may entered against you. Mich J. Pykosh, Esquire Michael J. Pykosh, Esquire ID # 58851 The Law Office of Darrell C. Dethlefs 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone - (717) 975-9446 Fax - (717) 975-2309 Attorney for Defendant CAPITAL ONE BANK (USA), NA: IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. No: 09-1383 - CIVIL TERM HAROLD M. STEENBURG Defendant ANSWER WITH NEW MATTER AND NOW, comes the Defendant, Harold M. Steenburg, by and through his attorneys, THE LAW OFFICE OF DARRELL C. DETHLEFS, by Michael J. Pykosh, Esquire, who responds to Plaintiff's Complaint as follows: 1. Admitted. 2. Admitted. 3. Admitted. 4. Admitted in Part. Denied in Part. It is admitted that Defendant made use of said credit card and that said credit card has a current balance. Defendant after reasonable investigation is without knowledge as to the truth or veracity that the a._1` current balance as of December 23, 2008 is $4,275.68. Therefore, the same is denied. Proof to the contrary is demanded at the time of trial. 5. Denied. The averments as set forth in Paragraph 5 contain conclusions of law to which no response is required. By way of further response, Defendant, after reasonable investigation, is without knowledge as to the amount of the balance due. Therefore, the same is denied. Proof to the contrary is demanded at the time of trial. 6. Denied. The averments as set forth in Paragraph 6 contain conclusions of law to which no response is required. By way of further answer, after reasonable investigation, Defendant is without knowledge as to the truth or veracity of the facts as set forth in Paragraph 6. Plaintiff failed to attach the original contract and terms of the credit card application. Plaintiff only provided a statement for the period of March 28, 2007 to April 27, 2007. Therefore, Paragraph 6 is denied. Proof to the contrary is demanded at that time of trial. 7. Denied. It is denied that although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Proof to the contrary is demanded at the time of trial. WHEREFORE, the Defendant, Harold M. Steenburg, demands judgment in his favor and against Plaintiff with costs, attorney's fees and any other relief the Court deems just. DEFENDANT'S NEW MATTER 8. Defendant, Harold M. Steenburg, incorporates and makes part of this New Matter paragraphs 1 through 7 of the foregoing Answer to Plaintiff's Complaint as if fully set forth herein. 9. Plaintiffs Action may be barred by doctrine of laches. 10. Plaintiffs Action may be barred by the doctrine of res judicata. 11. Plaintiffs Action may be barred by the doctrine of estoppel. 12. Plaintiffs Action may be barred by the doctrine of waiver. 13. Plaintiffs Action may be barred by the doctrine of unclean hands. 14. Plaintiffs Action may be barred in whole or in party by the ethical statute of limitations. WHEREFORE, the Defendant, Harold M. Steenburg, demands judgment in his favor and against Plaintiff with costs, attorney's fees and any other relief the Court deems just. Respectfully Submitted, Dated: By: M ael J. Pykos squire VERIFICATION I, Harold M. Steenburg, hereby verify that the statements of fact made in the foregoing documents are true and correct to the best of my knowledge, information and belief. I understand that any false statements therein are subject to the criminal penalties contained in 18 Pa C. S. Section 4904, relating to unsworn falsification to authorities. Date: 03119"109' Harold M. Steenburg Michael J. Pykosh, Esquire ID # 58851 The Law Office of Darrell C. Dethlefs 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone - (717) 975-9446 Fax - (717) 975-2309 CAPITAL ONE BANK (USA), NA: IN THE COURT OF COMN CUMBERLAND COUNTY, Plaintiff V. No: 09-1383 - CIVIL TERM HAROLD M. STEENBURG Defendant Attorney for Defendant PLEAS 1NSYLVANIA CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing ANSWER and NEW MATTER, was hereby served by depositing the same within the custody of the Unitled States Postal Service, First Class, postage prepaid, addressed as follows: Capital One Bank (USA), NA c/o James C. Warmbrodt Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Respectfully Submitted, Dated: By: hael J. Pykosh, Esquire .?? f? .--a ??? ? ? ? +_ ?,,? ? ? i? - :w. ?-' ?:? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A., CIVIL DIVISION Plaintiff, NO: 09-1383 V. HAROLD M. STEENBURG, PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER Defendant. FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD FOR THIS PARTY: James C. Warmbrodt, Esquire Pa. I.D. # 42524 Lyndsay E. Rowland, Esquire Pa. I.D. # 205520 WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (41.2) 434 - 7955 Fax: (412) 338 - 7130 WWR# 7081621 f IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A., CIVIL DIVISION Plaintiff, V. HAROLD M. STEENBURG, Defendant. NO: 09-1383 PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER AND NOW, comes the Plaintiff, Capital One Bank (USA), N.A., by and through its counsel, Weltman, Weinberg, & Reis Co., L.P.A., and files the following Reply to Defendant's New Matter, averring as follows: NEW MATTER 8. Paragraph 8 is an incorporation paragraph to which no response is required. 9. Paragraph 9 is a conclusion of law to which no response is required. 10. Paragraph 10 is a conclusion of law to which no response is required. 11. Paragraph 11 is a conclusion of law to which no response is required. 12. Paragraph 12 is a conclusion of law to which no response is required. 13. Paragraph 13 is a conclusion of law to which no response is required. 14. Paragraph 14 is a conclusion of law to which no response is required. WHEREFORE, Plaintiff respectfully requests that this Honorable Court find in favor of the Plaintiff and against the Defendant. Respectfully Submitted, J s C. Wa odt, Esquire Pa. I D. # 42 4 Lyndsay E. Rowland, Esquire Pa. I.D. # 205520 WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 7081621 CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the within Reply to Defendant's New Matter has been sent to the following parties by first class, U.S. Mail, postage prepaid, this 5_ day of M,}QGIN , 2009, as follows: Michael J. Pykosh, Esquire Law Office of Darrell C. Dethlefs 2132 Market Street Camp Hill, Pa 17011 Jame C. Warmprdt, E§quire Pa. I. . # 42524 Lyndsay E. Rowland, Esquire Pa. I.D. # 205520 WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 7081621 FILED-U RU OF TIE PROTHMURY 2009 APR -3 PM 1: 59 CUP, ,7 li` ;Y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A., Plaintiff, V. HAROLD M. STEENBURG, Defendant. CIVIL DIVISION NO: 09-1383 PLAINTIFF'S ANSWERS TO DEFENDANT'S INTERROGATORIES AND REQUEST FOR PRODUCTION OF DOCUMENTS FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD FOR THIS PARTY: Lyndsay E. Rowland, Esquire Pa. I.D. # 205520 WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 7081621 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A., CIVIL DIVISION Plaintiff, V. HAROLD M. STEENBURG, Defendant. NO: 09-1383 PLAINTIFF'S ANSWERS TO DEFENDANT'S FIRST INTERROGATORIES AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendant answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. AND NOW, comes the Plaintiff by and through its counsel, Weltman, Weinberg & Reis Co., LPA, and asserts the following Answers to Defendant's First Interrogatories and Requests for Document, averring as follows: INTERROGATORIES Capital One Bank (USA), N.A., Capital One Services, Inc. 2. Plaintiff does not have a principle place of business in Pennsylvania. 3. Objection. The interrogatory is overly broad and burdensome and not calculated to lead to admissible evidence. 4. Capital One Bank 15000 Capital One Drive Richmond, VA 23238-0000 5. Objection. This interrogatory is overly broad and burdensome on the Plaintiff. To the extent that Plaintiff can respond, the communications made by the Plaintiff to the Defendant have already been provided to the Defendant, which are the monthly statements sent to Plaintiff, along with the written cardmember agreement. 6. The Plaintiff intends to call a representative of the Plaintiff who is familiar with the business records of the same. 7. The Plaintiff does not intend to call an Expert Witness. 8. The Plaintiff intends to use the following exhibits at the time of trial: A. The application signed by the Defendant B. The written cardmember agreement C. Statements for the Defendants account from June 2006 through May 2007 9. The Plaintiff does not intend to offer any books, magazines, or other such writings besides those already listed within the answer to Interrogatory 8. 10. The Plaintiff does not intend to offer the admission of a party at this time, but will advise Defendant of the same if Plaintiff does intend to do so in the future. REQUEST FOR DOCUMENTS 1. Those written statements Plaintiff provided to Defendant regarding the credit account in question have been provided to the Defendant, and are attached hereto as Exhibit "A." 2. The Plaintiff has no telephone logs of communications to produce. The application Defendant filled out is attached hereto as Exhibit "B." 4. A copy of the written cardmember agreement which Plaintiff sent to Defendant is attached hereto as Exhibit "C." Please see response to Request for #3. 6. Please see Plaintiff's response to Request for Documents # 1,3 arq 4. LyrAsay E. RKwjand, Esquire Pa. IJD. # 2051 2D WELTMAN, ?V INBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 6812925 EXHIBIT A First 3 months half-price 97 4 a month; $9.9&mo. thereafter = FREEAcceleratort 1i YiIv don up ftr 92 mmft SIGN UP TODAY! ' 1-877778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal ow peoplerc- online 729 SOUTHERN DR Pqpft1AN?ftinpggffgrgat® i%%tirps you would expect from higher-priced Internet Service Providers at half price for the first 3 months! 5178 0522 0067 0905 ® Email Virus Protection ® Pop-Up BlockerTM Spam Controls ® Smart Dialer ® More Email Addresses ® Internet Call Waiting Capffal i m_ Account S Previous Balance S.00 Payments, Credits and Adjustments $.00 Transactions $329.30 Finance Charges S.00 New Balance $329.30 Minimum Amount Due 529.30 Payment Due Date July 27, 2002 Total Credit Line $300 Total Available Credit $.00 Credit Line for Cash $300 Available Credit for Cash $.00 At your service To mll Customer Relations or to report a 1wt or stolen -i 1-800-903-3637 Send Payments w Send ingoiria w Attn: Ranittanoe Processing Capital One Services Capital One Servioex P.O. B. 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 50770S PLATINUM MASTERCARD ACCOUNT MAY 28 - JUN 27, 2002 5178-0522-0067-0905 Page 1 of 1 Payments, Credits and Adjustments T1a11sactions 1 05JUN FOOTLOCKER #8058 BLOOMSBURG PA $49.99 2 07 JUN DICK'S CLOTHING&,SPORTI WILKES BARRE PA 121.85 3 14 JUN CVS #1590 BLOOMSBURG PA 15.00 4 15 JUN RADIO SHACK 00115618 BLOOMSBURG PA 26.49 5 15 JUN THE DUTCH WHEELMAN BLOOMSBURG PA 46.08 6 20 JUN SCHNEIDER NATIONAL IN CARLISLE PA 7.99 7 17JUN MEMBERSHIP FEE 59.00 8 27 JUN PAYMENT PROTECTION 1-888-527-6904 2.90 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit card based on your month-ending account balance. if you have any questions, please call the customer service number listed above in the transactions section of your statement. Finance Charges Please ree reverse tide for important infbnnation Ba! rate Periodic C-2 pmidmgIl,l oppfirdto rate PR laililC PURCHASES $.00 .00000% .0096 $.00 CASH $.00 .04082% 14.9096 S.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. Capftal0w, 0000000 0 5178052200670905 27 0329300000000029309 New Balance $329.30 Minimum Amount Due $29.30 Payment Due Date July 27, 2002 Total enclosed $ Capital One Bank P.O. Box 85147 Richmond, VA 23276 III'lllllllll'llll'llll 1 1111 1 1111 11111 11111 1111111111111111 111 P/earepnbstaU !si ._he1 urixgbi -hi kie.E 0.00% Street Apc # Gty S.. ZIP Home Phone Al.-. Phone #9017956678636510# MAIL ID NUMBER HAROLD M STEENBURG ° 729 SOUTHERN DR n 01111111111111111 CATAWISSA PA 17820-8412 o _ Please vvite yow auaunt number on yow rhuk m money order madepayable to Capital One Bonk and mail in the endwed envelope. r peoplepc- online A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal , published D'Iweekly. Sports Ylushcded Warren is published y clones per year. Rrd Simple, Parenting, People to £spaino{ Tern Pmde, lleahh, and m" 008"' is published a fames per year. Money and Sports WushMM for IGds are pub Gshcd t9 fines peryeaI All others arc monthly puETicafnns. Offer not sponsored by C cap'dal One is a fedemBy regatered seryxe mark M r'ghis reserved C aooz (sills One Services, inc. Ti one D-m t Ven Wm is solely responsible for this otter am does not provide, endorse, V or guarantee any product shown here. T e D'trcctVentures Inc. s located at u7t Avenue of the Americas, NY, NV 7 'his inquire; enture [he frtst iswe for any magazine you choose wtthN q-e weeks afar Time Died Ventures' receipt of order. Ny responding to this offer, you mey I. communicating s, kc, which provdes these products-for examyk that you are a GDtal one <usbmer. 'All terms include risk-free IF lswes. Number of risk-iree mkt Lssoes wilt vary accordin to subscriptkn hequenc- Subscribers: If the Post Oflke alerts us that your magazine is undeavera to we have no further obfgafen unless we receive a corrected address wthln two years These 8 O I N N and premium you should rem" ft. Time Direct PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product a service shown here. Any trademarks mentioned herein are solely owned by the respective entity. Ail rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. •PeoplePC Accelerated: First 3 months of service are billed at $4.97 a month; $9.95 a month Clereafter. 12-month commitment required for Pei Accelerated. Month-to-Month pricing with no tens cammilment is $14.95 for Peoplel Accelerated; $9.95 for PeoplePC Online without accelerator technology. Offer available to new dal-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. tWith PeoplePC Online Accelerated certain Web page text and graphics will load faster when compared to standard dial-up Internet service. Actual results may vary. Service not available in all areas. Access tees, taxes and other fees and restrictions may apply. Phone technical support available for $1.95 per minute. For questions, call tofi-free at 1.888-5TRYNOW. 02606 PecplePC Inc. PsoplsPC Online and the Peopi Logo are registered trademarks of PwplePC. Inc. Trademarks are properties of their respective owners. All Rights Reserved. Service not available in all areas. Ave." fees, taxes, and other fees and reslrictiats may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of oa access numbers will result in telephone toll charges. Access may be Ilmited, especially during times of peak usage. Dial-up numbers miry be changed at PeoplePC's discretion. Continuous use subject to timeout procedures All use re subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2606 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. NINrq period covered by INS Statemet, we take the begaarg balance of each segment each day, add any new, transactions to each segnem, and subtract any payments or credits. If the code N appears on the front of INs statement next to 'Balance Rate Applied To," we also subtract any unpaid finance charge included in the balance of each segment.) This gives to the daily balance of each action m. Then, we add up all the daily balances for each sai for the billing period and divide by the total number of days in the baling period. This gives us the verage dally balance of each segment. 3. Anaaal Parortnge Rata (APRI• a. The term -Annual Percentage Rate' may appear as 'APR' an the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Cenificate of Deposit), or S (Bankcard Prime) appears an the from of INS Statement next to the periodic rate(s), the periodic Farce and conesporhdrp ANNUAL PERCE TAGS RATES may vary quarterly and may increase or decrease based on the Stated indices, as found in The Wall Street Journal, plus the margin ppreviously disclosed to you. These flanges will be a ective an the firen day of your billing period covered by your periodic statement ending in the months January, April, JJy and October. c. If the code D (Prime), F (1-mil. LIBOR) or G (3-mo. LIBOR Repdced Monthly) appore en the front of yeu stateroom next to the pedodk rate(s), the pedodc rates and cerreSpondi ANNUAL PERCENTAGE RATES may vary montthly and may increase or decrease based on the stated in3ces, as fond in The Wall Shire Journal, piss the margin previously dselosed to you. These flanges will be effective on the fist day of your billing pedod each month. 4. Aaasaanwt of Lab, Ovarfrnat OW Reamed payawK Foss. Your accent will be assessed no more than two of the tees listed here that occur during any billing period. Under the terms of your customer agreement, we reserve the Fight to waive or rot to assess any fees witho r p notification to you without waiting our tight to assess the same or similar tees at s later time. 5.tRawwbp Your Aomurt. If S membership fee fFs an the from of this Statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have Such fee credited to you if you cancel your account. During INS period, you may continue to use your account without hating to pay the membership, fee. To cancel your accent, you must ratify us by calling our Customer Relatiana Department and pay yyoour'Now Balance- in full (excl nil the membeshlp fee) prior to the end of the iNny-0ay Period. 8. N You Close You Aouaat. You can request to dose yy account by calling our Customer Relatlas Department. Vw mum denroy your credit card(s) and account access checks, caned all preaahorized billing, and cease taIN your accent. If you do not cancel preauthorized tilling arrangements, vve will consider receipt of a large yog=- to reopen your account Additionally, wil not be dosed until you pay all amount, you owe is including: any tra oserm" you have authorized, finance charges, past due fees, ovetiimit fees, returned payment fees, cash advance tees and any other fees assessed to your ccotnt. You are responsible for these amounts whether they appear on your account at the time you request to close the account or they are air Subsequent to your neque t to dose the account. This may result in charges eppeedrg on your accent after You have yotu arxbtnt if it has already bean dosed. For example, if you authorized a ptr w free a merchant and we receive the t ensacdm frem the merchant after your account has been closed, your account will be reopered, ibe amount of the charge will be added to your wx otatt, and yhw will be responsible for payment. If them is a membership tee for your account, the fee will tontine to be charged, to the extent permitted by law, until the accwt balance has been paid in full as defined above. 7. Uaktg Your A-crrd.Vour card or account canret be used in con tfon with any Internet gemding transactions. 8. Nedoe About Elaoarinio Chsok Dorwrakn. When you provide a tack as payment, you atrthedze us Ski to use information from your check to make a one-more electronic hind transfer from your bank accent or to proem the payment as a chock transaction. When we use information from y" check to make an electronic hand transfer, fins may be withdraw, from your bank accotrs as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. BILLING RIGHTS SUMMARY i n Case Of Errore Or Ouesdons About Your Bill) If you tank your bill is wrong, or 11 you reed more information on a transaction or bill, write to us on a separate sheet as soar as possible at the address for Inquiries Shown, on the front of this staternent. We must hear from you no later than 00 dayysa after we sent you the first bill an which the error or graben appeared. You can call exi Customer Rdninns number, but doing ,o will rat preserve your 0". In your letter, give ua the ftlkwwng unfortnation: your name and account rmunher, the dollar amount of the suspected error, a description of the error and an eoplaation, if possible, of why, you believe there is an error; or if you rued more Informal n, a description of the from you am unsure about. You do not have to pay try ameam in questlm while we are investigating it, but you re Shill obil=d to pay the pane of your NII that are not in questden. VJNIS we Invest'I to your question, we camel report you as delinquent of take any action to collect the Amount you question. t,t Special Rule For Credit Card Purchases If you have a problem with the quality of property or servces that you purchased with a credit card and you haw tried in good latch to correct the probien with the merchant, you may have the right not to pay the remaining amount due an the property or ""i you have this protection only when the purchase prize was more than x60.00 end the purchase was made in your name ante or whNn 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the adwsrtisemem for the pr rty or services, as purchases are covered regardless of amount or location of purchase.) Please remember to sigh ail correspondence. t Does not apply to eorrsumer roe-credit card Accoovas I Does rot apply to business main-credit card accounls One supports infornadon privacy protection: see our at www.captalons.com. Ora is a federally regi?istered service mark of Caphal weal Corporation. Al lights reserved. 0 2003 One 01LOLBAK to. (@aea priori. You will have a mkimun grace period of 25 days without fra- charge an new purchases, new balance transfers, new special purchasers and raw other charges if you pay your tonal -New Balance-, in accordance with the Important Notice for payments below, and in time for it to be credited by your next Statement There is ro grace period on cash advances tl=Ti rarufes. In addition, there Is no, g 'New rope period en any trense tlonif you do rot pay the total balm ce.' b. Accruing FYhrao CJhrya. m wrie Transactions d vMdl are net abject m a grace period are ssed flnarhce change 11 from the data of tle transactian or 2) from the time the treraectlan is processed to your Accont or 3) fran the first calendar day of the curet billing pecod. Additionally, if you rid not pay the 'New Balance' from de Drevies billing period in fiL, finance charges continue to accuse to your unpaid baarnce aril the unpaid balance is paid in full. TNa meare that you may stlN owe fiance charges, even if you pay the afire New Balance khdicated an the frat of your statement by the next sutohrten[ dosing time, but rid not do so for the previous march. Unpaid finance charges re added to da epplcebie segnet of your Account. tc. K%*- Fkaraa Charge. Pon each bNling period that your aceert Is subject ro a ar"_ change, a mir*n- total RNANCE t7-IARGE of 90.50 AN be imposed. If the tonal finance charge reaJtlrq from the application of your periodic retest is less than 90.50, vve was attract that amour from the 40.50 minimum and the difference will be billed to the pururiax air= of you accent. to. Tonperiary RadMim in FFharhoa Chi We reserve the right to not eases any or all finance charges for any given belling period 2. Awa(aa Dourly aalanaa 1 New 1_,1%'• a. Rnance Barge is n o mugplWg 4g. deity balance of each segment of of your accoutt (e.g., cash the co pu rchose, apeeal trerufer, and spaniel pucase) by tbe ce by nreapohdnp dimly At the rate(s) that has been previously pled eriod, d we to you. . e dally of each dayy dialing the Marc gamed, apply d he y periodic rate o each sonent of your accent to tle tally balaux of endh ent. segn SThan nsetda? of tl topard ateyouadr d. of Pedaic fine rhce darlre for each segnem. We add up the teats from each segment to arrive at the total periodic finance large for your account. To get the daily belarhoe fa each segnem of your accent, we take the baginin g balance for each Segment and old anyy nova transactions and any ppeeriodic fiance charge "I ated enthe previors days ba ane, for than segment. We than Subtract any Payments or credits ponied as of that day that am allocated to that segnent. This gWea cis the seporete dally balance for each sagnent of your account. However, If you geld the New Balance shown or, your previous statement In full (or if your new balance was zero or a cnecit amount), new tray-etots which pass to your purchase or `pedal purchase segments ere non add to the dal1Y balarhoes. We adding all the dail cekatete the average deny balance by y balance together and dividing the sum by the number of the days in the wmant billing cycle. To calculate ywr total finance charge, multiply your average dally bade by the daily periodic rete enrl by the number of days in the NIGng penal. Due to rounding en a daily basis, thane maybe a altgit varierrz betwean this celWatlan and the emoutt of finance dha?ge ectuaNy assessed. b. Ii the code Z or N eppeana on the nom of Wa aetement noxt to •ealanoe Rero Appaed ra,- ore mJdply de 507705 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. First 3 months half-price 9 a month; 4 7* $9.95/mo. thereafter SIGN UP TODAY: ' 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral Capitallo• Account S Previous Balance $329.30 Payments, Credits and Adjustments $329.30 Transactions $195.64 Finance Charges S.00 New Balance $195.64 Minimum Amount Due $15.00 Payment Due Date August 27, 2002 Total Credit Line $300 Total Available Credit $104.36 Credit Line for Cash $300 Available Credit for Cash $104.36 At your service To all Customer Relations or to report a lost or stolen card: 1-800-903-3637 Send Payments to: Attn: Remittance Pmoessing CaP1ta1 One Serviea P.O. Box 85147 Richmond, VA 23276 50764S Capil.-d owa Send inqu a to: Capital One Services P.O. Bar 85015 Richmond, VA 23285-5015 003 peoplepci4 online %-i A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! 19 Email Virus Protection ® Pop-Up EllockerTM Spam Controls Smart Dialer Phisher Security Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 Payments, Credits and Adjustments JUN 28 - JUL 27, 2002 Page 1 of 1 1 09 JUL Transactions PAYMENT RECEIVED - THANK YOU $329.30- 2 14 JUL TURKEY HILL #179 SUGARLOAF PA $16.85 3 14 JUL CVS #1599 BERWICK PA 15.88 4 16 JUL GIANT FOOD #020 S18 BLOOMSBURG PA 31.83 5 16 JUL CVS #1590 BLOOMSBURG PA 9.68 6 17 JUL WAL MART WILKES BARU PA 19.07 7 20 JUL SUNOCO BLOOMSBURG PA 14.50 8 22 JUL WM SUPERCENTER SE COAL TOWNSHI PA 33.39 9 23 JUL SHEETZ #216 ELYSBURG PA 11.60 10 24 JUL CVS #1590 BLOOMSBURG PA 9.52 11 25 JUL ZEISLOFT BRO 20658605 DANVILLE PA 6.04 12 25 JUL SUNOCO BLOOMSBURG PA 13.35 13 26 JUL SHEETZ #288 DUNCANNON PA 12.20 14 27 JUL PAYMENT PROTECTION 1-888-527-6904 1.73 Finance Charges Pkcae ree reverie ride for important information Bda•n rate PI.J. Cmrr51n- app6edto rate APPRR l;tifll(li?' PURCHASES $.00 .00000% .0096 $.00 CASH $.00 .04082% 14.90% i.00 ANNUAL PERCENTAGE RATE applied this period 0.00% PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 0 5178052200670905 27 0195640329300015009 New Balance $195.64 Minimum Amount Due $15.00 Payment Doe Date A"27,2002 Total enclosed $ -? Capital One Bank P.O. Box 85147 Richmond, VA 23276 IIIIIIIIIIIIIIII (IIIIIIII VIII IIIIIIIIIIIIIIIIIII VIII VIII III Plarcpai.,t add ,elanege, be! . rbl w9-k "Rk S-t City S.. ZIP Homs Phone Alcemsu Phone #9020956678636515# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR r ? CATAWISSA PA 17820-8412 o ? N ? ? ? IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII111VIII Pie- writeyow auount nnmbn on yow check or money order madepayable to Capital One Bank and moil in the enrlaud envelope. F peoplepu online %1_1-1 A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral 8 O O M ; t^O? i N N Peopli is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One Customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1-888-5TRYNOW. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeoplePCs discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. AN Rights Reserved. PeoplePC Online and its logos are registered trademarks of Peopli in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. ppeeriodic rate. To obtain the average daily balance for the hiNirg period covered by this statement, we take the be4mraM balance of each segment each day, add any now, transactions to each eni, and attract any payments or credits. (lf the code N appears an the here of IN. matement next to -Balance Rate Applied To,' we also attract any unpaid finance charge included in the balance of each segment.) This gives us the daily balance of each segment. Then, we add tq all the daily balances for each segment for the billing period and dylde by the total number of days in the billing period. This gives us the age dally balance of each segment. 3. Anna, prro?tapa Rtr fAPRI. a. The term 'Annual Percam urge Rate' may appear as 'APR' on the from of this statement. It. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), OF S (6ankcard Pine) appeals on the from of this satenent next to the periodic rate(s), The periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the stated ndoce, as fond in The Well Street .A,umsi, plus the margin vrevioudy declosed a You. cNat day of your These Uhahpea wIN bebye Your periodiffective o the state b1i ment ending in the period covered moths January, April, July and October. c. If the code D (Prime), F (1-mo. LIBOR) or O (3-mo. LIBOR Repriced Monthly) appews on the from of your statement next to the periodic rate(s), the periodic rates and correspahdand np ANNUAL PERCENTAGE RATES may vary montiy may increaee or decrease based an to mated iridcea, sa fond in The Web Street Jounel, dine the margin previously disclosed to you. These ghanges will The effective an the firm day of your billing period each month. 4. Aswan snt of Eats, OvriNt and Rakrmad payment Fassi. Your account will be assessed no more than two of the fees listed here that occur during any billing period. Under the terms of ywr cusloner agreamem, wo reserve the right to waive or net m asmas any foes whteu p for notification to you without waiving our right to assess the same or similar fees at a later mime. 6.1Rrhawing You Zwura- If a membership tee appears an the trot of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee cradled to You if you cancel your amount. During this period, you may continue to use your accent without having to pay the membership fee . To caned your account, you must notify w by calling our Customer Relations Department and pay ywr -New Balance' in full (excluding the membership fee) prior to the and of the tNnyEey period. 8. If You clans Your A-motr. Yw can request to dose yyoouur account by telling our. Cumomer Relations, Department. you must destroy your credit card(s) and accent access deck., cancel all preeuthorized billing, and cease usirhp your account. If yw do not cancel preauthorbFid receipt of a chargeg your a dznian to r l reopen your account. Addid ally, your account will not be dosed until You pay all amounts you owe us including: any transactions you have authorized, finance charges, past due fees, owdimit tees, roused payment fees, cash advance fees and any other fees assessed to your account. You are responsible for these amounts whether they appear an your accout at the time you mquem to close tha accom or they are incurred atseq-w to chargae appearing an your account after myou he ft in your account if it has already been dosed. For example, if you authorized a purchase from a merchant and we receive the treneectim from the merchant after your account, has been closed, your aeco nt will be reopened, the amarn, of the charge WIN be added to your account, and you will be roapon®Ne for payment. If them is a membership fee for your account, the fee will continue to be charged, a the extent Un i.eel by law, until the accwtt balance has been paid In full as defined above. 7. Usilm Van Aaamnt.Vour card or account cannot be used in connection with my imemett gambling a. Native Abort Elect anle Check canvasr6n. When you provide a check as payment, you aunhorize us efrlher to use Information from your check to make a ma-time electronic fud transfer from you bank account or to prmesa the payment as a check tramrtion. When we use information from your deck to make an eleatronic kind transfer, kndr may be witfdrevn from ywr bank accost as soon as the same day we receive your will rot receive your tack beck from payment, and =W_ Your fratial . BILLING RIGHTS SUMMARY (In Case Of Enters Or Quesdone About Your BND If you think your bill Is wrong, a if you need more nformatim an a transaction or bill, write to us an a separate sheet as soon as possible at the address for Inquiries shown an the from of this statement. we must hear iron you no later than e0 after we sot you the first bill on which the error or problem appeared. You can call our Customer Relations ntnter, but doing so will net preserve your 6". In you letter, give us the following infomatim: your name and amount number, the dollar amount of the suspected error, a description of the error and an explanetio, ii possble, of why you believe there is an error; or Ii you reed more Information, a description of the hem you are u st re abort. You do not have to pay any amount in question while we are Investigating it, but you are still obligated to pay the fans of your bill that are net In questim. WHIe we ImeatMate your queadon, we cannot repo. you as deirquent or take any actpm to collect the amount you question. S,t Special Rule For Credit Card Purchases If you haws a problem with the quality of property or services that you pumhwed with a credit =and you have tried in good faith to correct the problem with the mordant, you may have the right rat to pay the remaining amount due an the pr rty OF services. Yw have this pmtectim only %v en the purchax rice was more than $60.00 end the purcase was made in ywr home state" within 100 miles of your maaing address. (1f we own or awram the mercham, or if we mailed you the advertisement for to property or services, all purchases are covered regardless of amount or location of purchase.) Reaee remember to sign all correapadaee. t Data rot appty to cons--redit card accounts 2 Doors rot apply to business non-credit card accaants One supports informatm privacy protector: we our 81 WWW.cBpplealle.com. One I. a federally regsered service mark of Capital social Corporation. All ngltta reserved. O 2003 One 01LOLBAK t a7& . iii you will have a mirimtm grace period of 25 days with" finance charge on new purchases, new balance transfers, new special purchases and new other charges if you pay your total -New Balance-, in accordance with to Imporerht Notice for payments below, and in time for it to be credited by yar next matemettt dosing doe. Thera is no grace period ocean advances and apedel trasfera. In addition, them Is ne grace period m any trasactlen If You do not pay the total -New balance.' b. AcaukV names Charge. Tunsac dons which are net atlect e e grace period esaeaeed Marta Burge 1) from the date of the trarwctian or 21 from the data the transaction 1. processed to your Account or 3) from the first calendar day of the current bNBnp perind. Addtbne if you old net pay the -New Balance bomb the pdrd A=lly, billing period in full, Mane Barges tontine to accrue to your unpaid balance rant! the unpaid balance is pad in fill. This meene that you mayy aril owe franca charges, even if you pay the entire New Baance khdrated an the front of your stm[onot by the non statarhat doarg date, but did net do so for the previous month. Unpaid finance cheer are added to the ==c" of your Aram. te. Minimum Rerhw h billing period that your account Is atja.-t to a Mhence charge, a mktmm total RNANCE CHARGE of 90.50 will be knpwadl If the total Mince tierye realdrhp from the eppllcedan of periodic rate(s) is less than 30.50, we rui0 subtract tlatr amaat from the 90.50 minimum and the difference will be billed to the purchase sagnoht Of y?tr ecceut. t d. Temporary Radsotrn ah Fihrhea arras. We reserve to Fight to rot assess, any or all finance charges for any given basng ped.,L 2. Average Day Berea 1Yheatding Now IVerssa). a. Firtance charge is calaleted by multiplying the daily balance of each segment of your octant (e.g., -at, advance, purchase, speda transfer, and special purchase) by rife correapohdirg may periodic rate(.) cat has been prevkxdy dsdoaed to you. At the end of each day dudng rte billing period, we apply the daisy periodic rate for each segment of your account to the daily bdatce of each segment. Than at the end of the bi. period, we, add tip the results of these daily calculations to arrive a your periodic finance charge for each segment. We add ip the reslle from each segment to arrive at the tore periodic fl- charge for your account. To get to daily balance for each worts ht of your accent, we, eke do beginning balance for each segment and add ayy row transactions and any, periodic finance, charge calated an the previous day's balance for that sagham. We then subtract any payments or credits posted as of to day da am allocated to that segment. This gives os the separate daily balance for each segmet of your accent. However, if you paid to New Baance shownh m your previous staternem in nil (or if your new balance was zem OF a credt amours), new trareactione which peat to your purchase or special purchase aegnom are not added to Una deity (alenme. We Zc late the aw, daily balance by adding an trio daily hala. togeter and dividing the surn by the number of the days In the wnent bitlahg cycle. To calc lae your tote finance charge, multiply you average daily balance by the eny periodic rate and by the nrnber of days h tine basrg de riod Due [o rourhdrg en a daily bees, these maybe e e between cis cekxletlan and the amount of aagM variaro11 neroe cha acnaeNy assessed. b. the coda Z or N appeal m de fiom of cis aetanan It ran to 'Balance Rme Apposed To,' we, reultlply the 607545 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m, PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. First 3 months half-price 9 a month; 4 7 $9.Mmo. thereafter SIGN UP TODAYI ' 1-877-7784207 Mention Offer Code: JADE Or visit www.peoplopc.com/go/jade Account S Previous Balance $195.64 Payments, Credits and Adjustments $212.56 Transactions $1,904.85 Finance Charges $48.47 New Balance $1,936.40 Minimum Amount Due $58.00 Payment Due Date September 27, 2002 Total Credit Line $2,000 Total Available Credit $63.60 Credit Line for Cash $2,000 Available Credit for Cash $63.60 At your service To call Customer Relations or to report a lost or stolen -& 1-800-903-3637 Send Payments to: Scud inquiries to: Attn: Remittance Processing CaPiw One Servion CaPital One Serviors P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 50483S 003 peoplepc- online A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up EllockerT11 ?j Spam Controls Smart Dialer Phisher Security Internet Call Waiting PLATINUM MASTERCARD ACCOUNT JUL 28 - AUG 27, 2002 5178-0522-0067-0905 Page 1 of 1 Payments, Credits and Adjustments 1 08 AUG PAYMENT RECEIVED - THANK YOU $195.64- 2 18 AUG WAL MART CREDIT 16.92- Transactions 3 27JUL CVS #1590 BLOOMSBURG PA $15.00 4 29 JUL SHEETZ #213 BLOOMSBURG PA 17.10 5 o5 AUG SHEETZ #213 BLOOMSBURG PA 15.00 6 07 AUG SHEETZ #288 DUNCANNON PA 14.60 7 09 AUG SUNOCO BLOOMSBURG PA 11.95 8 10 AUG RADIO SHACK 00115618 BLOOMSBURG PA 26.49 9 10 AUG SUNOCO BLOOMSBURG PA 17.00 10 12 AUG SOVEREIGN BANK 179 ELYSBURG USA 800.00 11 14 AUG SHEETZ #213 BLOOMSBURG PA 17.50 12 14 AUG CVS #1590 BLOOMSBURG PA 37.62 13 16 AUG WM SUPERCENTER SE COAL TOWNSHI PA 98.33 14 16 AUG SHEETZ #216 ELYSBURG PA 11.10 1517 AUG S14EETZ #213 BLOOMSBURG PA 16.50 16 18 AUG WAL MART SELINSGROVE PA 54.31 17 19 AUG LOWE'S #644 SELLINS GROV PA 25.18 18 20 AUG ZEISLOFT BRO 20658605 DANVILLE PA 37.48 19 21 AUG SUNOCO BLOOMSBURG PA 16.20 20 23 AUG SOVEREIGN BANK 179 ELYSBURG USA 600.00 21 24 AUG THE BON TON #28 BLOOMSBURG PA 41.87 22 24 AUG SHEETZ #216 ELYSBURG PA 14.60 23 27 AUG PAYMENT PROTECTION 1-888-527-6904 17.02 24 27 AUG CASH ADVANCE FEE - - FINANCE CHARGE 42.00 Finance Charges Pleare ice reverie ri& for important infm7xa iiivn Bad r? ? ?n Periodic Com rpondsag ? yepliedro l:t1AKl? rde APR PURCHASES S.00 Z .00% .00% 5.00 CASH $511.02 Z 1.24% 14.90% $6.47 ANNUAL PERCENTAGE RATE applied this period 41.55% PLEASE RETURN PORTION BELOW WITH PAYMENT. Qw fowl 0000000 0 5178052200670905 27 1936400195640058008 New Balance $1,936.40 Minimum Amount Due $58.00 Payment Due Date September 27, 2002 Total enclosed $ Sr _ Apt Y City Snu ZIP Home Phoae Altemste Ph- #9024056678636510# MAIL ID NUMBER Capital One Bank HAROLD M STEENBURG P.O. Box 85147 m 729 SOUTHERN DR Richmond, VA 23276 0 CATAWISSA PA 17820-8412 Pleme rarite your aaount number on yourr check or money order madepayable to Capital One Bank and mail in the mclared envelope. Plane print a- dHarr be! -V bl orR k.k. r peoplepu online SI-ol A better way to Intemet. UNLIMITED INTERNET ACCESS SIGN UP TODAYI 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/goflade 8 O 0 I I N N PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. `PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1-877-778-1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dal-up numbers may be changed at PeoplePMs discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. rperiodc rate. To obtain the average daily balance for the btllig period covered by this statement, we take the begimrq balance of each segment each day, add any now imrsectiors to each segment, and aulnrect any payments or credits. (If the code N appeam on the from of this matemrnt next to 'Balance Rate Applied To,' vve also subtract any unpaid finence charge included in the balance of each segm ) This gives us the dairy balance of each segnem. Ten ive add up all the daldelyy bakrros for each moment for the billing period and divi by the total number of days In the brfing period. This gives us the age dilly balance of each segment. 3. /usssl Parertps Rates (APRI. a. The term 'Annual Percentage Rate' may appear as 'APR' an tha tram of this sutemont. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appeam w the from of it" statement next to the periodic rate(s), the periodic rates and canespondng ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based an the stated indices, as land in The Wad Street Joaaael, plus the margin DDreyfously disclosed to you. These tlarh?res w91 be,, f=,e on tire flint day of your billing period covered by You periadk statement ending in the months January, April, JWy and October. c. It the code D (Prime), F (1-me. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appeam an the from of your statement next to the periodic rate(s), the periodc rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may inerease or decmam based on the mated indices, as food in The Wed Street Journal, plus the margin previously disclosed to you. Them changes will be effective on the first day of your hiring period each month. 4. Assommot of Late, ovainit ad Raaatsd Paytnrt Facts. Your account will be assented no mom than tvro of the hem listed hem that occur during any billing period. Under the terms of your customer agreement, we reserve the rips to waive or rat to assess any fees without p lac netificadon to you without waiving our right to assess the same or similar fees at a later time. 6.tRerrawlhg your Aneoaat. If a membership fee appear on the from of this statement, you have 30 days tram the date this statement wee mailed to you to avoid paying the fee or to have such fee credited to you if you caned your account. During this period, you may continue to use your account Wthout having to pay the membership fee. To cancel your acoam, you must notify us by calling our Customer Relations Department and pay yyoour "New Balance' in nil (excluding the membenNp reel prior to the end of the thirty-day period. 6. H you doss Your Amount. You can request to close =.=t by calling our Customer Relations Yon must destroy your credit card(s) and eceant access checks, cancel all preauhadzed billing, and cease usin4 your account. If you do not cancel pmauthcrized billinrge ?,V, ngomenta, - will consider reraip of a di r audcrization to raoppon sun amount. Additionally, your amours will not be closed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, past due fees, ovedimit tees, returned payment fees, cash advance was and any other fees amessed to your accost. You are responsible for these amounts whether they appear on your accoro at the time you request to clam Tar or they are Incurred subsequent to your request to dose the accam.tThis may result In ppee irig on your acco r, after you how your errant if it has already been, dosed. For axample, if you auherized a purchase from a merdrent and we receive the trersection from the merchant after your amour her been dosed, yar scant -1 be mopoted, the smarm of the charge will be added to year account, std your will be mapo..ible for payment. If there I. s mrmbeship fee for your account, the fee will continue to be charged, to the a- balance has been paid =12== 7. Using You Aaoant.Your card or account cannot be used in cerhecdon with arty Internet gambling transactions. a. Nodes About PLabordo C hook convention. When you provide a deck as payment, you authorize us either to use information (ton your deck to make a one-time electronic ftnd transfer from your bar* accent or ta process the payment as a deck transaction, When we use Information from your deck to make an electronic fund transfer, fads may be withdrawn from your bank account as soot as the same day we receive ou payment, and you will not receive your deckybecrk from your financier institution. BILLING RIGHTS SUMMARY On Case Of Enom Or Queatlaa About Your BID If you think your bill Is wrong, or it you need more information on a trateractim or bill, write to us on a separate street as soon as possible at the address for ,,,*a- ahowtt an the from of this statement. We most an yon the tear from you no later than 00 day aft;=1 firm bill an which the error or Park ad. you can call our Customer Relations number, but doing so will not preserve your rights. In you letter, give us the following information: your name and account number, the dollar amount of the suspected error, a description of the ewer and an FoOmation, it passible, of wwhhyy you believe there is an met, or it you need more intomnatim, a descdpdm of the hem you am u nr ure about. You den not have to pay any amount in queatlm Y"e we are Inveadgetlng it, but you am stlg obitgatea to pay the pan. of Your bill that am not in question. WNIe we Investigate Ywr question, we camot report you as delinquent or take any action to collect[ the amount you question. i,t Special Rule For Credit Card Purchases If you have a problem vAth the quality of property or services that =f rdhased vMh a credit cam and you have tried in ith to cerrect the problem with the merchant, you may have the Fight not to pay the remaking amour due an the property or services. You have this protection only when the purdax pdee was more than $50.00 and the purchase was made in your home mate at wttNn 100 miles of your mailing address. III We own or apetate the merchant, or if -F, mailed you the adveniscment for the Dtopeny or ser lee, all purchases am covered regardless oh arrant or location of purchase.) Please remember to sigh all conroponde ce. t Does not apply to -or roe-credit card accounts t Does rot apply to business ran-credit card accounts One supports information privacy protection: sae W service mark of Capital reserved a 2003 01LGLBAK t a. Gass Period. You will have a mirinturt grace pared of 25 days with" finance chi on new purchases, new balance transfers, new special protases and new other charges If you pay your total 'New Balance', in accordance with the Importers Notice for payments below, and in tine for It to be credited by your next statement closing date. Them is no grace period an cash advances and special trensfem. In addition, them is ne grace period on any transaction If you do not pay the total 'New balance.' b. Asaruitg Finance Chu". Transactions which are net aged to a grace petted are assessed finance charge 11 ban the date of [ha trersectlon or 2) from the date the tmnaacdon is processed to your Account or 3) from the first calendar day of the current billi ppaered. Additiaary, if you did not pay the 'Now Belerhmsfran cis previaa billing period in full, finance charges continue to amnae to your unpaid balance until the unpaid balance is paid in hill. This meane that you mayy l owe thanes charges, even if you pay the arm New Balerice idicated on the front of you satemer by the next autarent dosing date, but did rot do so for the previous month. Unpaid firance, dsrges added to the a cabla esgnent of you Aceont. t c. MHman Fb- . For each billing period that your acco rx Is abtect to f M1haca dhagry, a mini mum total RNANCE CHARGE of $0.50 wlr be impoead. If tie total lkhenca ca realtlnp from tha cadet of your periodic rate(s) is lam than 50.50, we I Fe btract that unarm from the 50.50 mIntmum and the differam wig be bided to the purdsse arc of your amount. t d rigim to m, amemsarty orall ro??s' `chergmrfor arty given billing period. 2. Average, Dally aalanea finaluding New Prd-1. a. Rnarce charge is calculated by multiplying the daily balance of each mgnent of your accent (e.g., cash advance, purchase, special transfer, and a purchase) by the cenospanMg daily periodic rate(s) that has been previadY rredoead m you. At the erd of each dayy duig the biting pared, we apply the daily parlalic new for each •eg rent of your aawa m the dallbalarhro of each segment. Then at the and of the 1y, il period, we add up the reaps of these elegy car 'o s to arrive at your periodic fnmaa large for moth segnenx. We add up the nesulu from each segnem to arrive at the total periodic firan t, care for your arxeum. To get the daily balance for each segment of your account, we take the beginning balance for men segment and add any new trarsactiurs and any periodic finance charge calculated on the previws day's balance for that segmot. We then subtract any payments or credits posted se, of that day that am allocated to that sagnent. This gives us the separate dally balance for moth regnant of yea atxxuru. However, if you paid the New Balarhce shown on You pravias statement in fill (a if you few balanm was zero or a credit amount), nevi trarsactione which poet to your purchase or special purchase segments, am not added to the daily balances. We calculate the average dailyy balance by adding all the daily balaneas [speller and dividnp the not by the number of the days in the current: billing cycle. To calculate your total finance charge, multiply your average daily batteries by the daily tiodic rota and by the umber of days in the billing peti?Due to rending on a daily basis, there may be a slight vadatce, between thb caleladon and the amour of rrhace thing. amu ily amessed, b. It the node Z or N appeam on the from of this marromem next m ' Balahca Re[e Applied To,' we mJtlply the 50483S Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. I / First 3 months half-price a month; 4 7 $9.95/mo. thereafter' S1IGNN UUP7TO7D7AYY! 51 00670905' Mention Offer Code: ONYX 2O7 Or visit www.peop!epc.com/go/onyx Capital oW, Account S Previous Balance $1,936.40 Payments, Credits and Adjustments $550.00 Transactions $339.64 Finance Charges $15.16 New Balance $1,741.20 Minimum Amount Due 552.00 Payment Due Date October 26, 2002 Total Credit Line $2,000 Total Available Credit $258.80 Credit Line for Cash $2,000 Available Credit for Cash $258.80 At your service To call Customer Relation, or to report a lost or stolen card: 1-800-903-3637 Send payments to: Send inq-. to: Attn: Remittance Processing Capital One Services Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, VA 27276 Richmond, VA 23285-5015 548835 003 peoplepce online 1-1 A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerTM Spam Controls Smart Dialer HLIW iMWG HERN D UT PLATINUM MASTERCARD ACCOUNT AUG 28 - SEP 27, 2002 5178-0522-0067-0905 Page 1 of 1 Payments, Credits and Adjustments 1 09 SEP PAYMENT RECEIVED - THANK YOU Transactions 5550.00- 2 27 AUG CVS #1590 BLOOMSBURG PA $42.78 3 06 SEP RADIO SHACK 00115618 BLOOMSBURG PA 26.49 4 12 SEP AMOCO OIL 05918636 DANVILLE PA 11.00 5 14 SEP CVS #1582 DANVILLE PA 27.91 6 14 SEP WM SUPERCENTER SE COAL TOWNSHI PA 25.16 7 14 SEP EXXONMOBIL75 27415793 ELYSBURG PA 17.25 8 14 SEP NCR 1-800-645-9430 #64333857 49.95 9 15 SEP WM SUPERCENTER SE COAL TOWNSHI PA 18.13 10 17 SEP SHEETZ #213 BLOOMSBURG PA 14.10 11 19 SE? SUNOCO MOUNT PLEASAN PA 17.10 12 23 SEP RADIO SHACK 00115618 BLOOMSBURG PA 26.49 13 2,4 SEP MONMOBIL75 27415793 ELYSBURG PA 10.00 14 24 SEP SCHNEIDER NATIONAL IN CARLISLE PA 13.78 15 26 SEP HARVEST BOOK COMPANY L FORT WAS14INGT PA 24.27 16 27 SEP PAYMENT PROTECTION 1-888-527-6904 15.23 Capital One proudly supports the National Youth Anti-Drug Media Campaign. PARENTS. THE ANTI-DRUG. Stay Involved - Ask Questions. To get the FREE booklet, "Keeping Your Kids Drug-Frce," call 1-800-788-2800 or visit www.TheAnbDrug.com- We hope you are enjoying the benefits from National Card Registry. Your trial period has ended and your membership fee has been automatically billed to your Capital One credit cud. Your membership will be renewed annually so that you can enjoy uninterrupted service. If you have any questions, please call the membership number listed above in the transaction section of your statement Please continue to enjoy the benefits and peace of mind that National Card Registry provides! Finance Charges Pleae ree reverteride for important inf"4tion R.1 -d' Period. -1 C-2 - .gspliedto rate 1;t1 liP. 1 1 PURCHASES $557.66 .00000% .00% $.00 CASH $1,197.64 .04082% 14.90% 515.16 ANNUAL PERCENTAGE RATE applied this period 10.17% ? PLEASE RETURN PORTION BELOW WITH PAYMENT. CapffalQ • 0000000 0 5178052200670905 27 1741200550000052009 New Balance $1,741.20 Total enclosed $ P/easep.;ntad?rrrrl xgnbe! mingb4ae-bi.4,nk Minimum Amount Due $52.00 Payment Due Date October 26, 2002 Sweet Apt # City S.. ZIP Home PK.. Alternate Phone #90271566786365154 MAIL ID NUMBER Capital One Bank HAROLD M STEENBURG P.O. Box 85147 m 729 SOUTHERN DR Richmond, VA 23276 CATAWISSA PA 17820-8412 a o_ ° Pleae unite 5178-0522-(X167-0905 on yore check or money order made payable to Capital One Bank and mail in the enclosed enaxlope. r peoplepc® online \__ol A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: ONYX Or visit www.peoplepc.com/gQ/onyx For FASTEST service, order online at www.mykwikstamp.com/cap 8 O O o ' ¢ I N N People-PC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. `PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll free at 1.877.778.1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during limes of peak usage. Dial-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 20M PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. begraang balance of each segment each day, add any new transactions to each segment, and at"Faf any payments or cmdits. (If the code N appears on the from of this statement rent to 'Balance Rate Applied To,' we also subtract any unpaid finance charge included in the balance of each segment.) TN. (eves us the daily balance of each seginem. Then, we add up all the daily balances for each ee9nont for rhe billing period and divide by the total rxmber of days in the billing period. This gives us the aw:aggaa daily balance of eaM -Want. 3. Annual Paroantapa Rates rAPlq. a. The term 'Annual Percentage Rate' may appear as 'APR' on the from of this statement. b. If the code P (Prime), L 13-mo. LIBOR), C (Certificate of Deposi ), or S (Bankcard Prime) appears en the from of this statement next to the periodic rate(s), the penode rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based en the stated indioss, as rand in The was Street Joer-4 pin the margin previously deduced to you. Thhess, =1 1,11 le effective on the flat day of your tilling cevered by Your periodic staleneht ending In the months January, April, Jul nil October. c. If the code D (Prime), F 0-ma. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appaera on the hart of your statement need to the pedode rote(s), the pedodc rates and ,.n,Uvrn j ANNUAL PERCENTAGE RATES may vary mamily anndd may increase or decrease based en the stated indices, as frond in The Wall Street JOUmal, plus the margin previously disclosed to you. These changes will be effective on the first day of your billing period each math. 4. Asauanrrrt of Leta, Ovrbadt and Rabr-d Paymwd Fsss. Your account will be assessed no mom than two of the fees listed hem that occur during any billing period. Under the terms of your customer agmemem, we reserve the right to walve or not to assess any face without don ratification to y,m without waiving our right to assess the same or similar fees et a later tlme. 6.t1'tansswsug You Aecout. If a membe hip fee appear on the from of this statement, you have 30 days tram the dale this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your account. During this period, you may continue to use your account without having to pay the membership fee. To cancel your accent, you must notify tw by calling our Customer Relations Depanmenl rid pau membership fee) prior ato the end of (the thirty-day period. 6. R you class Your Aoootat. you can request to dose yyoauur amount by calling cur Customer Relations Department. Vou moat,c destroy your credal cad(s) and accent access Necksancel all pn.edh c zed filling, and cease usl.9 your accent. If you =died cancel preautherized billing arrangennents, we will consider model of a charge your aurtadzatim to reopen your account. Additionally, your amount will not be closed until you pay all amounts you owe ue iruduc1" any transactions yes have authedzed, finance charges, pest due face, oveedimit fees, returned payment fees, cash advance fees and any that fees assessed to your account. You am responsible far these amounts whether they appear on your account at the tlme you request to clan the accent or they ere Incurred aubeeuUent to your request to dose the amount. This may resit in charges appeadmi on your account after vas have your sunut if it has already been dosed. For example. if you etmarized a purchase from a merchant and we receive the transaction from the merchant after your accent has been closed, your account will be impend, the amount of rho charge will be added to your actaunt, ant yyoouu will be maponallte for payment. If them is a mennbenslhip fee for yeta amount, the The 'AN commit, a be clhe , to the expam peminted by law, tail the amour br ante has bean pant in full - defined above. 7. (laing Yea A-ra.You card or account cannot be used in corn-don with any mernot gambling [rarwactlarw. 8. Modoa Ahea faaaboNo CMsk Ctuwr<abn. When you provide a clack as payment, you authorize us either to use infosnatior, from you clack to make a one-time electronic fund transfer from you bank account or to process the payment as a check trereation. When we use Information from your check to make an electronic fund traramr, furls may be withdawn from your bank accotrt as soon tie the same day we receive ou Psymerrc, and you will not receive your clack ybacrk free your Manclal ineme trop. BILLING RIGHTS SUMMARY (In Case Of Erroll Or Questions About Your Bill) If you link your bill Is wrong, or if you need more nformation m a trarwactlan or bill, write to us on a separate sheet as aeon as possible at the address for =,I- shown on the front of this stmemem. We must fren you no later Than GO dsya after we sum you the first bill on which the error or problem appeared. Vou can call Our Customer Relations number, iota doing ee will not Preserve your dons. In your lever, give us the following nfonnation: your tame and account number, the dollar e out of the suspected error, a cl xdprion of the otter end an explanation, if possible, of whyy yes believe there is an error; or if you need more infomation, a description of the rem you about. You do not have to pay any arcou t ion bloz= e we are Investigating It, bun you in queatlonge 10 pay the pans of yy your bill that are not WNIs wre Invcsi to ?u sd carsaT report you as delnµhent it. any action to eallect the amount you question. t,t Special Rule For Credt Card Purchases If you have a problem with the quality of property or services, that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may have the dght rat to pay the remaining amount due on the =try or ssMme. you have the protection only when the purtlax price was more than 550.00 and the purcheee was made in your home sate or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amour or locedon of purchase.) Please remember to sign all correspondence. t Does sot apply to consumer noncredit cad --tris T Does nor apply to business non-credit cam' accounts Capital One supports information privacy protection: sae wr website at www,capalono.ctm. Capital One is a federally redatared service mark of Capital Ona Rnarndal Corporation. All rights reserved. a 2003 Capital One 01 LGLBAK 'r a. @aea Period. You will have a minimum grace period of 25 days without frshm charge on new, ptrehases, clew balance trersfera, new special purchases and now, other charges if you pay your total 'New Balance', in atxadmor with the Important Notice for payments below, end in time for it to be credimd by your noxt statement dosing data. Them is he grace period on cash advances and special trarefea. In addition, there is no grace period any t bal ance mnsaetion if you do not pay the total 'New b. Aossig Rnrwa tlunga. Transactions which are not am ow"Id finance charge from Net date of the t?-anion or 2) from the dote Chet ) transaction is praressed to your Accent or 3) from the fiat calendar day of the c rtet billirg peclod. Additionally, if you rid rot pay the 'New Balance' from the preview billing period in fill, finance cinarges continua to accrue to your unpaid balance carol the upaid balance is paid in full. This means that you may sti1 owe frusta onergea, even if you pay the wire New Balance R,=one rated on the (rare of your ststernent by the next saterean closing date, but did not do w for the preview month. UrpMd Brame charges am added a tfa eppl cable, aegtter[ of your Amount. t c. kYiraan Fihvnsa Qurgs. For each bluing period [hen your a- Is subject to a flnehce Burge, a mirinum total RNANCE CRL4ME of 50.50 will be Intposad. H the total finance charge resulting from the a? d- of your periodi c rate(s) is less than $0.50, we wBl ab[rect that amuse from the 80.50 minimum, and the difference wit be blued to the purr3aae mktFn Flnawof yout atxent. td. Tarr" Raduotaon a tlrpa. We reserve: the ri to to not Fanciest any or all finance charges for any given biding period. 2. Al- a Dory aalanoa Ilnakrdn$ Now P rdnnal. a. Rnance charge is calalated y multiplying the daily balance of each segment of your account (e.g., cash advance, purchase, special transfer, and special purcase) by the correspendop dally periodic rate(s) that has been previously d closed to you. At the end of each day during the bilkg period, we apply the daily period. rata for each =.,;=r ro the rid balance of each et the end of the hiNN period, 1 add up the results of these deity calculations to arrive at your periodic firnannce large for each aeQntm. We add up the rtwula from eaM sgmem to crave a[ the total periodic finance tlnerpe for you account. To got the daily balance = for segnom of your accost, we take the beginning balance for seen segment and add any new, tra aeadore and any periodic finance Marge calculated on the previous day's balance for that winners. We than subtract any payments or credts, pasted as of that day that am allocated to tlat aeglYnem. TNs gives us the separate dally balance IJaw Balance of ? your previous antahent In fill (or if your now balance ores zero or a creel[ amount), new trewactorts which post to yen pu chas, or special purchase segments, am not added to the daily balances. We lc late the average dally balance by =all the daily helances topst)ner end dividing the sin by the nsrrher of the days in the carrot bilkV cycle. To calculate your toal average rleilg dodlic me mitittiply and b your u number o dally nth b the y pre by in the billing period Due ce reatlrg on a dairy basic, them may e u a slight wadarae between this celculetlen and the errant of finance Ma act ally ass-ed. b. If the code Z c N appeaa on the from of this natemem tea no -Balanua Rae Applied To: we multiply the 54683S Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. The Deal You've Been Waiting For... MOTOROLA FREE?R V3 > FREE* Wireless Camera Phone anxrs6sb.W2?av-A. ay eemem > BONUS Free Bluetooth® Headset ($60 Value) > FREE Shipping & Handling Ji, X cingular WIREFLY raising thebarrail` Th.Winsi.s peratore 003 I ACT NOW Limited Time Offer for Capital One• Cardholders CapiMlOne" Account S Previous Balance 51,741.20 Payments, Credits and Adjustments $252.00 Transactions $291.27 Finance Charges $11.49 New Balance $1,791.96 Minimum Amount Due $53.00 Payment Due Date November 27, 2002 Total Credit Line $2,000 Total Available Credit $208.04 Credit Line for Cash $2,000 Available Credit for Cash $208.04 At your service To nll Qwomu Relations or to nport a lost or stolen -1- 1-800-903-3637 Send payments to: Send inquieies to: Attn: Remittance Processing Capital One Services Capital One Sarviors P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 541805 PLATINUM MASTERCARD ACCOUNT SEP 28 - OCT 27, 2002 5178-0522-0067-0905 Page 1 of 2 Payments, Credits and Adjustments 1 07 OCT PAYMENT RECEIVED - THANK YOU $252.00- Transactions 2 26 SEP SUNOCO DANVILLE PA $17.10 3 01 OCT CVS #1582 DANVILLE PA 47.27 4 02 OCT SHEETZ #297 W1KES BARRE PA 13.00 5 o2 OCT TEXACO INC 91002503222 BLOOMSBURG PA 8.00 6 03 OCT CVS #1590 BLOOMSBURG PA 37.62 7 04 OCT SUNOCO BLOOMSBURG PA 16.50 8 o5 OCT SHELL INC 57526720404 MILTON PA 12.67 9 07 OCT CVS #1590 BLOOMSBURG PA 11.78 10 08 OCT SHEETZ #235 SELINSGROVE PA 15.50 11 os OCT SCHNEIDER NATIONAL IN CARLISLE PA 31.80 12 10 OCT COMFORT INNS SEVILLE OH 28.99 13 11 OCT 05030 FLYING J MILLERSPORT OH 8.83 14 17 OCT SHERATON 4 POINTS EAS INDIANAPOLIS IN 26.50 15 27 OCT PAYMENT PROTECTION 1-888-527-6904 15.71 Fmance Charges Pleweree reverie ridefor important information Balaner rate Period. Canrpondmg FINQ?ICE ,yyfirdM r? .fPR ?1jA1((;E PURCHASES 1835.92 .00000% .00% 1.00 CASH $938.61 .04082% 14.90% 111.49 ANNUAL PERCENTAGE RATE applied this period 7,88% PLEASE RETURN POR'T'ION BELOW WITH PAYMENT. ?P a?Cw 0000000 0 5178052200670905 27 1791960252000053007 New Balance $1,791,_ Minimum Amount Due $53.00 Payment Due Date November 27, 2002 Total enclosed $ Gty S.. ZIP 1 -1 Home Phone Alroraase Phone #9030056678636512# MAIL ID NUMBER HAROLD M STEENBURG Capital One Bank 729 SOUTHERN DR P.O. Box 85147 m CATAWISSA PA 17820-8412 Richmond, VA 23276 c LdJttlLtddltttldlttlltttllttdLnlLttlltttlltttlltttl 1tu111u111n1If tit 111to III II111If III IIIII 111 11 11 111 1 111 11111 Please write 5178-0522-"7-0905 on yourcheck or money order made payable to Capital One Bank and mail in the en losed envelope. PGasepp-taa-el grr be! -nrblw w h-L.4 iak Apt M r FREFRAZR V3 aftw,ebaze said 2-yearsolvi apeamwrt Motorola RAZR V3 phone includes: >Digital Zoom Camera >Bluetooth Capability >Built-in Speakerphone >Ultra-Thin Compact Design Cingular Wireless Plans include: >Unlimited Mobile to Mobile >FREE Nationwide Long Distance >No Roaming Charges >Rollover Unused Anytime Minutes (A feature specific only to Cingular Wireless!) 8 O O I N N Order Today! Call 1-800-973-0691 Or Visit www.wirefly.com/capitalone 1 }C cis94lar We raising theban.id' The WhEFLY Phone has after magin rebate. Thai offer is fulfilled by InRlalic inc., an ranhunized dealer for Cingular Wireless. Offer sulljed to credit approval or de ache t0. ' a havr fine of service on a two year centred with Cingular Wireless. Not all ?dl W you era not In a CinplarwralBSB &ba ye. wit soave a carer great Offer tram fhller restrictions apply, see full offer far debate. Offer Expires November 30, 2005. .Kt n, Rollover and FamllyTak are registered trademarks of Cling Bar Wireless, LLC. RasI' rks of C ngaar Wheless, I.I.C. Cingular Wreless and the Ongular Nfir e93b(p bl`r9 - dSdrR9 of Cmgtdar 4hrireless I.I.C. 0 2005 Cingdiar Wireless, LLC. AN lights reserved. InPhonke, Cingular' and Wireffya are responsible for this offer, and are not amma$gAzwVAAkapital One does not provide, endorse or guarantee, and is not alfgiated with, any product or service shown here. Any trademarks merl4oned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One Customer. 0 2005 Capita One Services, Inc. Capital One Is a federally registered service mark. All rights reserved. odic rate. To obtain the average daily balance for the 'flirt Period covered by this statement, we take the begirnnng balance of each segment each day, add any new transactions to each segnem, and attract any paymems or cracks. (lf the code N appears on the from of this statement next to 'Balance Rate Applied To," we also subtract arty u IAd flnaree charge included in the balance of each segment) This gives us the dally balance of each segment. Than, add up all rte dallyy balances for each segment for the billing ppeedod and divide by the total ember of days In the blfNng period. This gives us the average daily balance of each segment. 3. Annual Proentga Rates (APRI. a. The term 'Annual Percentage Rate' may appear as APR" on the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcam Prime) appears on the tram of this statement next to the periodic rate(s), the periodic rates and conesponi ANNUAL PERCENTAGE RATES may vary gartsay may increase or decrease based on the stated indices, as fourd in The Was Street Jozrnsl, plus the margin previously disclosed to you. These chincys we be a active on the first day of your billing period covered by your periodic statement ending In the months Jauary, April, Jul end October. c. If the code O (Primed, F 11-ma. LIBOR) or 0 (3-mo. LIBOR Repriced Monthly) appears on the front of your statement next to the partodc rate(s), the periodic rates and cormg-dng ANNUAL PERCENTAGE RATES may vary mondvy ant may increase or decrease based on the stated indices, as fend in The Waf/ Street Journal, phs the margin previously dsclosed to you. These changes will be effective on the first day of your billing period each month. 4. Assessment of Lab, Owrinit snd RMUd Payunat Fees. Your account will be assessed no more than owe of the fees listed hem that occur dump any billing period. Uhler the terms of your customer agreement, we reserve the right to waive or not in asaeas any fees Wthourt dot ratification to you without waiving our right to assess the same or similar teas at a later time. 5-JAmewMg You Aotent. If a membership fee appeero on the from of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the tea or to have such fee credited to you if you mncol your accent. During this period, you may continue to use your amount without having to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Deparbnem and pay your 'New Balance" in full (excluding the membership fee) prior to the end of the thirty-day period. 6. H You Close Your Astound. Yw can request to dose yyoouu account by calllrp our Ctstaner Relations Uepartmam. You must destroy your credit cam(s) and account access checks, cancel all preavthodzed billing, and cease using your aaaant. It y do net camel preauthorized Nlliro arrangemema, we will consider receipt of a charge your authorization to reopen your amount. Additionally, your accent will not be dosed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, paw due fees, ovedimil fees, returned payment fees, cash advance fees end any otter fees assessed to your account. You are responsible for these amounts whether they appear on your account at the lime you request to close the accost or they am Incurred subsequent to your request to dose the accost. This may result in chawas oppeedno on your accost after you have your account if it has already been dosed. For example, if you euthodzed a pure= from a mordant and we rrh..I- the trereaction ftan the merchant after your account has been dosed, your accent will be remared, the wront of the charge will be abided to you accent, and yyoouu will be reapansibie for payment. If there is a membeship fee for your accoett, the fee will continue, to be charged, to the exzem permitted by law, until the a- belanee heel been pad In full as cleared abe-. 7. Usip Your Ataavt.Vour cam or account tenet be used In connection with cry Internet gambling transactions. 8. Noaw Abort ENob i Chook Canversian. When you pi a lack as payment, you authorize us either to use infonnatron from you clack to make a are-time electronic hand tmrefer front your bank account or to procoss the payment as a deck trasaction. When m use reformation from your deck to make an efectraric fund transfer, funds may be withdrawn from your bank amount as soon as the same day we receive your payment, ad you Witt rho recorve your deck beck from your firendal institution. BILLING RIGHTS SUMMARY (In Case Of Emers Or Guard- Ahern Your Bill) If you think your but Is wrap, or if you reed more Infamatim on a transaction or bill, write to us on a separate sheet as ==Me at the add- for rquiriee ahawn on s statement. We must hear from you no later than e.0 days after we sent you the first bill on which the error or problem appeared. You can call our Customer Relations number, but doing w well net Preserve your rights. In you letter, give us the following inMmhall-: your rent. and account number, the dollar amain of the suspected error, a description of the error and an ehplaration, if possible, of wfiyy you believe there is an error, or If you reed more Informal lon a description of the hem you are unsure about. You do rat have to pay any amain in question while we are investigating It, but You re still obisi to pay the pans of your bill that are not in question. WHIa we investigate your question, we carrot report you as dearquem or take any action to collect the amount you question. f,t Special Floe For Credit Card Purcir we. If you have a problem with the quality of property or services that you purchased with a credit cam and you have tried In good faith to co mot the problem with the merchant, you may have the dghu net to pay the remaining amount due V =r= ry or winces. You have this pro,, say purchax once was more than 950.00 and the purdass was made in your home state or within 100 mrlee of your mailing address. Of we own or operate the merchant, or if we mailed you the adwenisanem for the property or services, all purdasee are covered regardess of amain or location of purchase.) Please remember to sign all correspondence. t Lbes not apply to oonvomer noel-c elk card accounts i Does not apply to business ran-credit card accounts Ors o ppons information privacy protection: see our al wwn.upptelae.can. Ore is a federally reyqhInered wince mark of Capital ended Corporation. Al rights reserved. t 2003 One O1LGLSAK To- Grate Peril. You well have a minimum grace period of 25 days without finance charge on new purchases, new balance trerefors, now special purchases and new other charges if your pay your total "New Balance', in accordance with the Important Notice for payments below, and in time for rt to be credited by your next aaeneerr dosing date. There is no grace period m cash advances and special trarafeu. In addition, there Is ne grace period my ttasection If you do not pay the tend "New balance." b. Ateuip Finance Charge. Transactions which are net abject to a grace parted are assessed flrence charge 1) from the date of the trerwectlon or 2) from the date the transaction is processed to your Amount or 3) from the first calendar day of the current bilin paclod. Additionally, if you did not pay the "Now Balm flan the Prevran billing period in full, firance charges contintre to accns to your unpaid balance men the unpaid balance is paid in full. This meers that you mayy ati1 owe amens charges, even if you pay its endre New B?elan:s indicated on the from of your abatement by the next statement dosing date, but did not do m for the pravlo[® march. Unpaid feanco charges am added to the appira6le aegram of your Amount. t c. Minlrrsrrr FYanee Chage. ran each bUing period that your accent Is abject ro a flrnsnce Barge, a mtlNnun total RNANCE CJi E of 30.60 will be "posed. If dc total finance dsagr realtlrq fmen the appiratim of you periodic rate(s) Ie leas thorn 50.50, wo wig subtract their amours from tin 80.50 ,Win= and the difference will be billed to the purelass segment of your eccors. td. charge. non e y or a an« e. We reserve the right charges for my given billing ppaelled 2. Avaape Daily Bdaae Ilneidkq New NrdnpesR. e. Frnernce charge is celalated y multiplying the daily balance of each segment of your accost (e.g., cash advance, purchase, special transfer, and special purchase) by the corresponding [laity periodic musts) that has been previously disclosed to you. At the end of each de ding the filing period, we apply the daily periodic rate for each segment of your across to the tlsily balarce of each segment. Then at the end of the bignng period, we add up the resits of these daily calculations to arrive at your periodic finance charge fa each segment. We add up the results from each segment to arrive at the teal periodic finance large for f- acmrtt. io on the daily balance for eachaegnent of your acce we. take the beginning balance for w h ar gnent and add mV new trareedias and any ppeeriodic finance large ca wed on the previous days balance for that segment. We then subtract cry payments or credits ported as of that day that am alorated [o that sagnatt. THa gives on the sepoate daily belance tw aedh aegners oT your acown[. However, If you your r new balarrice was zero pall the fill (a New ecc shown vz yon or a s credit r din amount), r hick your a um)), new , trasectiare which post to your if purchase or special purchase aegmm? ere only added ? to m the belase y elate the average daily belonce by adding daily by all the daily tcai to hedays in the and dividing the au by the meter the days s auras bYkp cycle. T To calculate your tend firanee large, multiply your .-.go daily balance by the daily pedock rata end by the amber of days In the billing perfot. Us to roundup m a daily basis, there may be a aigim veMrnce between thus colcaetlm end the amour of finance chi actually assessed. b. 11 the code Z or IN appwm m the from of this ww' mt next to 'Balance Aete Applied To,' we multiply its 54180S Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. f r3Z4 11 HAROLD M STEENBURG, are you prepared to help your family cope with unexpected financial burdens? Now you can be with Accidental Death and Dismemberment Insurance from Stonebridge Life Insurance Company. Accidental Death and Capital One' has partnered with Stonebridge Life Insurance Company Page 2 of 2 Dismemberment Insurance to bring you affordable Accidental Death and Dismemberment Insurance. from Ston ebri dge Life $9.95 a month can help give you and your family financial peace of mind. Insurance Company offers you: Affordable coverage Monthly coverage is only $7.95 for an individual or $9.95 for you and your eligible family members Financial peace of mind Security in knowing you and your family can cope in times of difficulty No-cost review period The first 60 days of coverage are paid by Capital One When you enroll, in 7-io days, you'll receive . a welcome kit a certificate of insurance . an explanation of benefits Try this coverage at no cost for 6o days. 541805 Accidental Death and Dismemberment Benefits Accidental Death Benefits Accidental death involving regularly scheduled public transportation* Primary $1,000,000 Spouse $100,000 Children $20,000 Automobile/land motor vehicle and pedestrian accidental deaths Primary $100,000 Spouse $50,000 Children $5,000 All other covered accidental deaths Primary $30,000 Spouse $10,000 Children $5,000 Dismemberment Benefits Accidents on regularly scheduled public transportation Both hands or both feet or lass of sight in both eyes: Primary $1,000,000 Spouse $100,000 Children $20,000 Automobile/land motor vehicle and pedestrian accidents Both hands or both feet or loss ofsightin both eyes: Primary $100,000 Spouse $50,000 Children: $5,000 All other covered accidents Both hands or bath feet or loss of sight in both eyes: Primary $30,000 Spouse $10,000 Children $5,000 The same benefits apply if one hand and one foot are dismembered. The same benefits apply if one hand is dismembered and sight in one eye is lost. The same benefits apply if one foot is dismembered and sight in one eye is lost. If one hand or one foot is dismembered or sight lost in one eye, then one-half the amount payable listed beside the accident that caused the loss will be paid. Definition of Dismembermenb Dismemberment means the complete severance of one or both feet or hands at or above the ankle or wrist joints. It also includes the complete and irrecoverable toss of sight in one or both eyes. *for fare-paying passengers Reduction: Benefits reduce by 50% for any covered person when they reach age 70. Stonebridge Life Insurance Company is rated A" (Excellent) for operating performance and financial stability byA.M. Best Company, one of the most respected independent analysts of the insurance industry. 200844 Capital One and Stonebridge Life Insurance Company help bring you financial security at an affordable price. Accidental Death and Dismemberment Insurance from Stonebridge Life Insurance Company can help you and your family cope through a difficult time. Call Stonebridge Life today at (refer to 027EF ). Insurance products are not (i) a deposit or other obligation of, or guaranteed by, the bank or its affiliates, nor (ii) insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States, the bank or its affiliates. Death and dismemberment must occur within 9o days of and due to a covered accident (in UT within 18o days; in PA no time limit for accidental death). This Accidental Death and Dismemberment coverage is underwritten by Stonebridge Life Insurance Company. This insurance product is not a deposit or other obligation of, or guaranteed by the bank and is not insured by the FDIC or any other agency of the United States. This Accidental Death and Dismemberment Insurance is available and Stonebridge Life Insurance is licensed to sell in the following states: AK, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, NE, NJ, NM, OH, OK, PA, RI, TN, TX, UT, VA, WI, WY. EXCLUSIONS: p This accidental death and dismemberment insurance plan does not provide benefits for loss resulting from intentionally self-inflicted injury, while sane or insane [in MO, while sane]; war or act of war, whether declared or not; the use or taking of any narcotic, barbiturate, or any other drug unless taken or used as prescribed by a physician; an injury that is caused by or results from the covered person having a blood alcohol level of .10 percent weight by volume or higher; disease, bodily or mental infirmity, or medical or surgical treatment of these; an injury while acting as a pilot or crew member or while a passenger, other than a fare-paying passenger, in any aircraft; or while committing or attempting to commit an assault or felony. GC900 RHPV2 ® 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 54100S EXCLUSIVELY FOR CAPITAL ONE' CARDHOLDERS 562000-01 Purchase valuable $25, $50 and $100 SkyMallrMgift certificates today! Save on SkyMall merchandise for the holidays or any occasion through 12/31/02. You choose... Family and friends choose... • $25, $50 or $100 SkyMall gift certificates • quality items from top brand names • to give the gift of quality and choice • what they really want from a huge selection • no-hassle shopping • quick, convenient and secure shopping Great For valuable gift certificates and product offerings, for the , . Holidays! Also, you can visit www.skymall.com/capitaloneO2 or call 1-800-SKYMALL. (Please indicate Key Code CAP10.) TO order by mail -? Capital ow, PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 OCT 28 - NOV 27, 2002 Page 1 of 1 Account Suunntary Payments, Credits and Adjustments Previous Balance $1,791.96 1 14 NOV PAYMENT RECEIVED - THANK YOU $250.00- Payments, Credits and Adjustments $250.00 Transactions $373.11 Transactions Finance Charges $10.68 2 28 OCT MEDCO HEALTH FAIRFIEL 8002822881 OH $60.00 New Balance $1,925.75 3 28 OCT MEDCO HEALTH FAIRFIEL 8002822881 OH 15.00 Minimum Amount Due $57.00 4 28 OCT MEDCO HEALTH FAIRFIEL 8002822881 OH 75.00 Payment Due Date December 27, 2002 5 19 NOV ECONO LODGES AT BLOOM BLOOMSBURG PA 43.60 Total Credit Line $2,000 6 19 NOV CVS #1590 BLOOMSBURG PA 162.62 Total Available Credit $74.25 7 27 NOV PAYMENT PROTECTION 1-888-527-6904 16.89 Credit Line for Cash $2,000 Available Credit for Cash $74.25 At your service To all Customer Relatiom or to report a lost or stolen card 1-800-903-3637 Sead Paymrnta to, Sead inq ma to. Attn: Remittan« Processing Capital One Setviors Capital One Services P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Informafton Who should be the college football National Mascot of the Year? You help decide! Visit www.capicalonebowl.com today to cast your vote for one of the 12 finalists. Then be sure to tune in to ABC to watch the Capital One Bowl on January 1, 2003, to see who won'. Finance Charges Pkaw me reverie fide for important information Bdana rate Periodic Conr -, Elf, `9 ", .gpliedto rate ?effPPRR l;tiHlCliP. rn PURCHASES $1,050.55 .0000096 .00% S.00 :a m N CASH $943.73 .04082% 14.90% $10.68 ANNUAL PERCENTAGE RATE applied this period 6.64% PLEASE RETURN PORTION BELOW WITH PAYMENT. CapffalO ' ne 0000000 0 5178052200670905 27 1925750250000057009 New Balance $1,9257 Minimum Amount Due $57.00 Payment Due Date December 27, 2002 Total enclosed $ N-epriat Zb-cA ger he[- -g, H- -R-k .k Street Apt # Gry S.. ZIP Home Phone Alternate Phone #9033256678636515# MAIL ID NUMBER HAROLD M STEENBURG Capital One Bank 729 SOUTHERN DR P.O. Box 85147 an= CATAWISSA PA 17820-8412 Richmond, VA 23276 N i ,n mmmw? ?ulr?ul?ruitiim?,iiuiint??nt?itn??n,l?u,lln,?lu,? ° ? ?utl?lm?lnlnt?r?i?ut?u?nin?udlnlriu?d?t?uJlu? Me- r to 5178-0522-0067-0905 ors yoar check or money order made payable to Capital One Bank and mail in the e-Imed envelope. r Purchase SkyMall gift certificates and products year round! Shop for the holidays, special occasions or yourself and save 10%! Capital One and SkyMall make it easy to own great products from the world's leading companies. SkyMall gift certificates ensure your family and friends get the quality, preferred products they want. A free SkyMall catalog will be included with your order. Plus, shop worry free with the SkyMall guarantee. See Web site for terms and conditions and delivery information. Three easy ways to order: • visit VAM.Skymall.com/capitaticiii • Call 1-800-SKYMALL (759-6255) • Complete and mail this coupon with your credit card payment Take advantage of this opportunity to save 100% through December 31, 2002. 2JCAP Malling Address clry E-mail Address - ZIP Phone Number ` ???????????????? Credit Card Number ? ? / ? ? $25 glRcommate®Qty ( .00 Leda Card Expiration Date $50 gMrxracaa®aty ( .00 $100 ghRra<ruueooe®aty ( ) = .00 Deduct 10%Off Now - .00 Total Cost to You" .00 signature Dale I authorize Capita(One to forward this coupon on my behalf to the company that provides this product. Important Information 'Not all of the companies that advertise In SkyMa(( participate in discount programs. Therefore, the discount will not apply to some products. See Web site for complete details. "Plus shipping and handling, plus applicable taxes. Shipping and handling will very by order. Shipments to Alaska, Howell, Puerto Rico, Guam, APO. and FPO. require or additional $10 shipping charge. SkyMall is solely reponsible for this offer, and is not affiliated with Capital One. Capital One does rat provide, endorse or guarantee any product or service shown here. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. ® 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All fight. reserved. 8 " O O O J, y periodic rate. To obtain the average daily balance for the billing pedod covered by this steament, A, take the beginning balance of each segment each day, add any new transactions to each segment, and subtract any payments or credits. (If the code N appears m the front of this statement next to 'Balance Rate Applied To,' we also subtract any unpaid finance charge included in the balance of each segment.) This gives us the daily balance of each segment. Than, we add up all the dailyy balataea for each segment for the billing period and divi de by the Foal number of days In the baling period. This gives w the averaggee dally balance of end, segment. 3. Ansel Perorta9 Ratty IAPRI. a. The term 'Annual Percentage Rate' may appear as APR' on the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), OF S (Bann card rime) Appears on thepffrrnom of rates and corresponding ANNUAALLCPERC NTAGE RATES may vary quertaty and they increase or decrease based m the sated Indices, ea found in The Well Streel Jaunet, plus the margin ppreviously disclosed to you. These =. will be eHactive on the first day of your billing pcovered by votr periodic statement erring II tha months January, April, JJy and October. c. 11 the code D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appears ort the from of you statement next 10 the periodic mis(s), the periodic rates end correaperdny; ANNUAL PERCENTAGE MTES may vary monthly and may Increase or decrease based on the stated Indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. These charges will be effective on the first day of your billing period each month. 4. Assuanrt of Late, Overant rd Rohanod Payment Fars. Your accent will be assessed m mom than two of the fees listed here dal occur during any billing period. Under the tens of your customer Agreement, vre reserve the right to waive or not to assess any tee, vAthout prio, -111-tkm to you without weiving our right to eesese the same or Almilar fees et a later time. S.tRonaving Your Aoaant. If a membership fee appears on the front of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your accent. During this period, you may Continue to use your amount without having to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Department h a rd imo shP Z) pdo ato lthe end i tthe 1. firl, :1 yl ,period. 6. R you Clew your Aem'"'. Ysu can request to does, errant by calling our Customer Relations =fi.em. You must destroy your credit card(s) and accent access checks, camel all preauthodzed blithe, and cease usirh9 your accent. If you do not cancel preautlarized bulling artang am,, we will consider receipt of a charge your authodzatim to M.p your aceam. Ad U difin ly, your amount will not be cloeed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, past due fees, ovedimlt fees, returned payment fees, cash advance fees antl any other fees asommod to Your emoure. You are responsible for these ardoi whether they appear on your account in the time you request to close the account or they are Incurred subsequent to your request to dose the octant. This may result in charge. appearing on Vour accent after you have your accent if it has already been dosed. For example. if you authorized a purchase room a merchant and we receive the transaction from doe merchant after your account has loser, dosed, your arrant will be reopered, the amotas of the carpe will be added to your account, and you will be responsible for payment. If diem is a membership fee for your account, the fee will cordree to be 13srrppeWtl, m the extent penhttted by law, until the Amount halerhee has been paid In full as dearsd abovo. 7. tMg Your Aaaoum.You card or accent cannot be used In cornectlan with any Internet gambling trome cdo s. 8. Noeroe Abort E7aetroNo Chock Conversion. When you provide a cock as payment, you authorize us either to tee informatan from you deck to make a ore-time electronic ford transfer from your bank account cor to process the payment as a deck transaction. When we use information from you deck to make an electronic fund transfer, fads may be widdrawn from your bank Account a. can As t e sam. day As receive payment, and you wAI rat receive your duck beck from your f A kstinrtim. BILLING RIGHTS SUMMARY On Case Of Errors Or Ou to do s About Your Bill) If you think your bill is -o g, or If you reed more Information on a transaction or bill, write to us on a xprate ahaet as seam as posrble at the address for inqutiriea showeh on the from of this state rlem. We must hear from you no later than 60 days after we son you the fire bit on which the error or problem appeared. You ran call our Customer Relations number, but doing ao Will rat preserve your rights. In your letter, give us the following information: your home and accent number, the dollar amour of the suspected error, a description of the error and an explanation, ii loselbie, of whyy you believe there is an error; or If you need more informatlm, a description of the hem you arc tenure abaa. You do rot have to pay any at In question wfille we are Investigating it, fan you re NII obligated to pay the pans of your bill that are rat I. quotation. While we invesmkate your question, we cannot report you As delinquent or take any action to collect the amount you question. t,t Special Fuse For Credit Caro Purchases if you have a problem with the quality of property or services that you purdased with a credit card and you have tiled in good fahh to correct the problem with the merchant, you may have the right not to Yw :y tie remaining amount due m the pro rtY Or ser ces. haw this protection only when the purchase pIce was more than 950.00 and the purchase was mauie in your him state or within 100 miles of your mailing address. (If -e own or operate the me=, or if vooe mailed you the advertisement for the pr rty or services, as purccasee are covered regardees of amour OF location of purchase.) Please remember to sign all correspondence. t Does nor apply to conounai -o.1 card Accounts t Does rot apply to business own-credit cell accounts One s ppons information privacy protection: see our at wnvw.a talone.c0- One is a federally registered service mark of Capital ahcial Cohporation All fights reserved. • 2003 One OILGLBAK 1. How To Avoid A Fins. Chrga. ta. casea Period. You will have a minimun grace period of 25 days withdn finance charge m n.wz Fourth-, nave balance tmnomrs, new spatial purchaees and nevz other charges if you pay your total 'New Balance', in am rdwce Alto the Irnportam Nodce for paymata below, and in time for it to be credited by =next am- closing date. There is no, grace penal m cash advancee and special tr-furs. In addition, there Is - grace period b rersecdon if you do rot pay the total "Now, rsxany t b. Aaeruig Frac Cfirri m mrsesised weer- am not subject the A a grace period d are flrerra three 1) ban s date of the transaction or 2) from the time the transaction is processed ed to to your or 2)d ur Amount or 31 from the first c b di ally, first you did not day of the cumem hive e, from A viae you rid not pay the 'New ew Balance, the Droa.vi billing period in ail, finance, charges balance to accrue l l. your unpaid haltr oral the unpaid finance charges, even if This metre that you may feno a wyva arc. charges, even if you pay the entire New Bela ortclicatind i on the from at your statement by the text statement ent closing date, , but rid but did not do so for the previous matt-. Unpaid id ikhence charges dried to de a o of ylxr Aocart. am a t c. Farman Fkh . For r each ear- biting period that your a 1. rrant la abject to a ah large, a miNm hotel FINANCE OWROE of >0.50 0 will be i R the e tool ffrarae dance reaiUrq from the appllutlm of your ped.d rate( s) I. less then 90.50, we AN attract that arriourrat from the 80.50 minimum and the dif once will be bided to the purdax sepnat of you' We t d. Tarrporary Rodiaotirh (n nanoo Ohrgo. We reserve the to rot aesess Any or all firhance target for any given bi ri 60 period 2. Average Daly Balsa link bV Now P rahwsl. a. Finance charge is calculated by multiplying the daily balance of each segmrrt of your accent (e.g., cash dvorxe, purchase, .pedal transfer, and Wei purchase) by de corteapadrg daaV Periodic cane(s) that has been previously disclosed to you. At the end of each day during the baling period, we apply the dAe_ll'z?periodic rate for each . segment of your auxa:;of o the t ! belerxa of each segment. Then at the the haWng period, we add up rho resits of thee, daily calculations to arrive at your periodic fiance charge for each s.gnant. We add up the resits how, each segment to arrive w the total periodic .ranee darer for you accent. To got de daily balance, for eadh segrient of you account, we took. the beginning belahce for eetlh segment and add any new, transactiore and any ppeeriodic frame charge calculated on the previous days 11- for that segment. We then subtract any paymrmm a credits posed as of that day that am allocated to that segment. This gives us the separate daily balance for each segment of your accent. However, if you paid the Now Balance shown m yam previo s statement In cal (or If ywr new, balance wee zero or a credit amatrt), new treneectio'=p ot to your pumcaee or apedal P calculate . tie Acerendnot adbalance ded t bthe?'ly balenc?es. We daily by adding all the daily balances the ham i ? arkd dividing rife am by the number of culate finrhce Barge, rraitidV blbiling ur e?vereq. da'tyl halencerby the daily p.riafic rs[e antl by cis ember of days kh the biairg r total period. Due [o rouding m a daily basis, dare may be e sagit veriT. Actually ally as ashaeauaedsed. tlm end dhe smart of flnence cep. t b. If the code Z o N appeana m the from of this aatement next to 'Balance hate Appaed To: wo multiply the 529615 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Catch this Season's College BoWI Action! r Capital Onie is proud to sponsor Bowl Week on ESPN, ESPN2 and ABC, December 17 - January s! It's football acdon you won't want to MISS! 'I •I C r ? ..? * New Orleans Bowl Dec. $7 (ESPN2) * GMAC Bowl Dec, 18 (ESPN2) * Tangerine Bowl Dec. 23 * Sega Sports Las Vegas Bowl Dec. 25 * ConAgra Hawaii Bowl Dec. 25 * Motor City Bowl Dec. 26 * Insight Bowl Dec. 26 (ESPN2) * Houston Bowl Dec. 27 * MainStay Independence Bowl Dec. 27 * Pacific Life Holiday Bowl Dec. 27 Capitalow Account S Previous Balance $1,925.75 Payments, Credits and Adjustments $100.00 Transactions $57.66 Finance Charges $28.93 New Balance $1,912.34 Minimum Amount Due $57.00 Payment Due Date January 27, 2003 Total Credit Line $2,000 Total Available Credit $87.66 Credit Line for Cash $2,000 Available Credit for Cash $87.66 At your service To cd Customer Relations or to report a lost or stolen oud: 1-800-903-3637 Send pnyments to: Send inquiries to: .Att.: R-tmnoe Pmcesaing Capital One Service Capital One Services P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Imvor=t Account Inforntation It's Capital One Bowl Week time again! Tune in to ESPN, ESPN2, and ABC starting December 17 for the best in post-season college football action, to we your favorite teams fight for bowl champpionships and for college football's ultimate prim: the r$ National Championship. And on New Year's Day, be sure to tune in to ABC to watch the Capital One Bowl live from Orlando, Florida! PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 NOV 28 - DEC 27, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 23 DEC PAYMENT RECEIVED -THANK YOU $100.00- Transactions 2 04 DEC CASH ADV. SOUTH MARKE ELYSBURG PA $41.00 3 27 DEC PAYMENT PROTECTION 1-888-527-6904 16.66 4 27 DEC CASH ADVANCE FEE - - FINANCE CHARGE 5.00 Finance Charges Please ;a reverie Jide fm important information Ba! r?r Period. Corner g FIIVAN ?plirdeo race PR l?;jt?ifAljl?C ro PURCHASES 51,146.25 .04082% 14.90% $14.04 M N CASH $807.21 .04082% 14.9096 $9.89 ANNUAL PERCENTAGE RATE applied this period 17.77% PLEASE RETURN PORTION BELOW WITH PAYMENT. Capfft1CW 0000000 0 5178052200670905 27 1912340100000057006 New Balance $1,912.34 Minimum Amount Due $57.00 Payment Due Date January 27, 2003 Total enclosed $ Account Number. 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 III IIII IIIIIIIIIIIII II Richmond, VA 23276 IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII PleaePrnt maiGrsg add r:emeN e-mad'hager be! -";I- - Aaki°k Sneer Apt I City Since ZIP Home Ph.- Al.,.w Ph- EmillAdd,- #9036256678636512# MAIL ID NUMBER HAROLD M STEENBURG 1O 729 SOUTHERN DR CATAWISSA PA 17820-8412 N ? ? IIIIIII111IIIIIIIIIIIIIIIIIIIIIIII(IIIIIIIIIIIIIIIIIIIIIIIIIII 566300-0t * Alamo Bowl Dec. 28 * Continental Tire Bowl Dec. 28 * Seattle Bowl Dec. 30 * Gaylord Hotels Music City Bowl Dec. 30 * Crucial.com Humanitarian Bowl Dec. 3$ * AXA Liberty Bowl Dec. 3$ * Chick•Fil-A Peach Bowl Dec. 31 * San Francisco Bowl Dec. 31 * Outback Bowl Jan. i * Capital One Bowl Jan. s Ple- -iteyoar aaoant namber on y.-,beck or any order raade payable to Capital One Bank and mail in the a Iwed envelope. Be sure to watch Capital One Bowl Week beginning December 17 on ESPN, ESPN2 and ABC. Tune in to the Capital One Bowl, January 1 at 1 p.m. (ET) on ABC for a great football showdown! pxpp UPMOF,se es,M2 Owl rota I's ilo..ymineeE seats mak""Ou r a-,I..ary sahma smmao-b-i-wetwrneabrth-pwM *.. Mt ,M n ea.4peigaAUmaFliatunwaAa Etlae McMau as wnc elk xtl sae wVmtlms. 8 O z I N tV Visit www.capitalonebowl.com to vote for your favorite mascot of the top 12 finalists for National Mascot of the Yearl ppeeriodic rate. To obtain the average daily balance for the tilling Period covered by this statement, we take the begrvng balance of each segment each day, add any new, transactions to each segment, and s btmct any payments or credits. (It the code N appears on the from of this statement next to "Balance Rate Applied To,' we also subtract sty unpaid finance charge included in the balance of each acgnerrt.) This gives is the dally balance of each segnem. Tlcrt, w+e add up all the degy balances for ea h sellnen for the billing period and divide by the total number of days in the billing period. TNa gives us the average deilY balance of eedt aepnent. 3. a V Prwritps Rts fA1Mt1. a. Tana term 'Annual Percentage Rate' may appear as APR' on the from of this -tamer b. the code P IBankcL 1 LIBOR), C (Certificate Deposit), or S (nem th Prime) appears ), the from of f this stud m nee to to the periodic ratans), the periodic rates and wrimspionding ANNUAL PERCENTAGE RATES may vary quarterly d inclose, and may increase or decrease based an the stated rndcea, as farad in The lase Shea! ?ozzrnal, plus the margin pfe tive On dstdeclared firstd day you. These danger vin M y of your In billing monad covered by y your do you periodic statement ehdrp In the months January, -m July and October. c. It the code ic (Prime), F 0 (1-me. . or G (3-m o. LIBOR Repriced e d Monthly) am the from of your statement next to the periodic odic adic rate(s the ran periodic rates and centhly h ANNUAL PERCENTAGE RATES may vary monthly indices, nWV and and mall increame se or or de decrease based ah the stated gin as td oa in The Wen/ Sliest Jaunal, pus the margin pmtiouWy disclosed 10 you. These changes each will he month. a an to that day of your billing period . 4. Act sownm Of Late, O Returned two of t Fees. Your r account will assessed sessed no ns mom an than an two of the fees lined here that Occur during any billing period. Under the terms of your cunaner agreement, we reserve the right 10 Iva or not to assess any fees without ynor notification, To you without walling our Fight to assess iha same or similar fees at a later time. 6. apYou t. If a membership fee pears bran on the from this statement, you have 30 days from days the dale of ate this is statement was mailed to you to avoid paying the fee or to have such fee credted to you if you cancel your account. Dump this period, you may continue to take your account without having to pay the membership fee. To cancel your amount, You must notify tw by calling our Customer Relations Department and pay your 'New Balance' in full (excluding rte mambenNp fee) pear to the end of the thirty-day period. 6. N you :lase liar Aeaark. You can requen to dose yyour account by calling r Custaner Rdatlore Department. You must destroy your credit card(s) and accost access ehecka, cancel all preautMrized billing, and cease ualrhp your accent. If you do not cancel prdeut,t zn billing amangementa, we will consider receipt of a Merge your suthedzetien to reopen your account. Additionally, your account will not be dosed until you pay all amounts you owe us including: any trans:dole you have authorized, finance charges, pan due face, owdimit fees, returned payment fees, cash advance fees and any other fees assessed to your .cc onrht. you are reapasible for these amounts whether they appear on your account at the time you request to close the account or they are incurred subsequent to your request to dose the accaurn. This may resat in bargee appearing m your accent after you taus your acconH if it has already been dosed. For example, if you authorized a purchase from a merchant and we receive the tmr[aacdm from the merchant after your accent has been dosed, your arxxxm will be reopened, the amount of the charge will be added to your ac loom and yyoouu will be nesparafbie for paymet. If them is a menbendip fee for Ya+r etxant, the fee will cantins W be charged, to the ettent pemYtted by new, untg the errant belerhce has been paid in fW as deflrted above. 7. using Your Aece rt.Your card or accent cannot be used in connection with any Internet gambling traroacdaa. 8. Made. Mat Elsotrorio Cheek Oon wintior. When you provide a dock as peymeht, you sttthodze us, either to use information from you deck to make a -ti- electronic fund transfer from your bank account or m process the payment as a deck transaction. When we use information from your deck to make an electronic fund transfer, fads may be wit dram from you bent account as sots as the same day we receive you payment, and you will not receive your deck back from your fianoal rstituian. BILLING RIGHTS SUMMARY (In Casa Of Errors Or Questions About Your Bill) If you think your NII Is wrong, or it you Tced more Ifomation on a transaction or bill, write to us on a separate sliest as soon ea possble at the address for htsef ?ahxmn on the front of tNo natemem. We must you rot later than 60 days after we sans you the first bill an wfich the error a problem appeared. you can can our customer Relations number, but tloirg se will not preserve your rights. In your letter, give us the following information: your nano and account number, the dollar amount of the a.p-.d am(, a description of the error and an mplanstion, if possible, of why you boliew there is an error; or If you reed more Inamatian, a deacdptim of the hem you am unsure about. You do riot have to pay any amount in question while we are investigating It, but you are WIN obligated to pay the parts of you bill that are net In question. VVNIe we inveatl, to your question, cannot report you as delimpret or take any action to collect he amain You question. t,t special Rule For Credit Card Purchases If Mcea haw a that problem with the quality of property or have tried in You pundmeed with a credit cam and war good faith to correct the problem with the merchant, you may have the right not to fay to remaiNng amount due on the property OF services. You haw this protection only when tM purchase price was more than 950.00 OFF., the purchase was made in your home sate or within 1iles of your mailing address. (if we own or Operate the merchant, or if we mailed you the advertisement for the p try or services, an purchases ere covered regardeas of arrant a location of purchase.) Reese ranonber to sigh all correspondence. t Does cwt apply to mnaruner non-credit card accounts I Does rot apply to business -colt card accounts One supports information privacy prorection: see our at www.caq talone.. Ore fe a federally rapstBrad service mark of Capital ancial Coporatian. FJI ngts reserved. a 2003 One OILGLBAK t a. Games period. You will lave a minimum grace period of 25 days without finance charge m new purchases, new, balance transfers, new, special purchases, and new other charges if you pay your total 'New Balance', in accaWnce with the krportam Notice for payments below, and in tine for it to be credted by your next statement :hoeing date. Them is no grace period on cash advances and apetld transfers. In addition, them is m grace period on any transacdm if you do not pay the total 'New balance.' b. Aaauing Fk- Change. Trarsacto s which are not sW)ect [o a grace peMd em asaaad Rnsnce large 1) fret the dste of the trarhssctlm a 2) iron the dine the transaction is processed to you Aaxard or 3) from the first calendar ley of the current bgfirtp period. Additionally, if you did not pay the 'New Balance, fran the previots, biging period in full, firantm charges continue to accrue to you unpaid balance uMl the unpaid balance is paid in full. This means that you may still owe finance charges, even if you pay the entire New Balance Itdca odd On the hart of your statement by the next statement closing dam, but did not du se for the preview month. Unpaid finance charges are added to the appY bie sapnem of you Account. tc. itYYnraan Fitanw CNge. Fw each billing period that your accent is arbiect re a finance cherW a minlmun total RNANCE t71ARGE of 80.60 will be Imposed. If the tack Branca large m'ttdnp Iran the appI Far of yuu total rate(s) is leas then 80.50, we will abtmct list Farou t ham the 80.50 minimun and the difference will be billed to the purdax aagn?et of year errautt. td. Tenpsrany ReuirAfan in "- charge. We reserve the right to not assess my or all Rance Barges for any given billing ppe?ri_od 2. Avanspe U+aY 9elenee Ilneirdis New lauahnpl. a. Ifnance Barge is celctsated y mt"plying the daily balance of each segment of your accent (e.g., :ash adwrice, c purchase, g special daily al troneW, and special Pedock Fatale) that has) been Y previasly diadase0 to you. At tie acid of each ley durkg hie WYkg paFioq ova apply the dam penodc to for each aegnent of you ecceurh[ to the dd_ bdsrce of each sagmem. Than in the ere of the hiding; period, we add tp the results of teas daily ralatetiorre to emus V our periodic frhantce large for each acQnem. We add up the resits from each seynmt to arrive at the total periodic finance dance for your account. To get the daily balance for each sapnet of your account, we take the boosting balance for each segment std add sahwy taw trasectias and achy periodic finance Uharge celatated on the preview days balance for that segment. We ten subtract any payments a cmdta posted ss of that day that em aYocatad to tat seghherht. TNa gives ns the apamte de My balance for each New Balance aMwn m you pmvlos statement In htii(ore if your new balance was zem or a credit amount), new trersactions which post to your purchase or speed purchase =;e rot added to the daily bdencaa. We katem daily balance by adding all to daily belancas together and dividing the awn by the number of days in the curtutt biting cVde. To celateta your total finance Barge, multiply your avemee deYY balance fry the pan periodic rate and by de ember of days in tlhe bilfing pedal. Due to rarhdrg m e daily beds, them may M a f variance betva:en this celatetlm and the amour of the finance Bharge ectueny assessed. nnemem b. if the cede 2 or N eppeam on the frrxn of this nee m 'Balance Ram Apgted To; we multicv the 52306S Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ESPECIALLY FOR CAPITAL ONE' CARDHOLDERS 1 562600-01 HAROLD M STEENBURG, let your home open the door to cash. ATTENTION ALL HOMEOWNERS: Take control of your finances by refinancing your home! Ever wonder where you'll get the money for next month's bills? At Full Spectrum® Lending, we specialize in helping home- owners with less-than-perfect credit. Our refinancing solution could help reduce your mortgage payment, add cash to your wallet-or both!' So, whether you have an adjustable- or fixed-rate home loan, we may be able to help you: # Get cash to consolidate debts! a Reduce your monthly mortgage payment! 11 ¦¦ 11 t Put extra cash in your pocket! 11 • 11 Call today and take advantage of current low interest rates! At Full Spectrum Lending, we believe your future is more important than your past. ®Fti *dutrlenliw A MEMBER Of THE COUNTRYWIDE FAMILY For more information, with no obligation, caUl -8QQ-832-4992 or visit our Web site at www.capitalone.com/freshstart. 'Refinancing or taking out a home equity line of credh may increase the total number 01 monthly payments and the total amount paid when oompanng to your current snuellon. Capital o hCi E PLATINUM MASTERCARD ACCOUNT DEC 28, 2002 -JAN 27, 2003 5178-0522-0067-0905 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $1,912.34 1 23 JAN PAYMENT RECEIVED - THANK YOU $60.00- Payments, Credits and Adjustments 560.00 Transactions $86.15 Transactions Finance Charges $24.68 2 08 JAN SHEETZ #216 ELYSBURG PA $18.20 New Balance $1,963.17 3 11 JAN SHEETZ #263 WILLIAMSPORT PA 18.00 Minimum Amount Due $58.00 4 13 JAN SHEETZ #213 BLOOMSBURG PA 16.30 Payment Due Date February 27, 2003 5 16 JAN FLYING J CARLISLE PA 16.55 Total Credit Line $2,000 6 27 JAN PAYMENT PROTECTION 1-888-527-6904 17.10 Total Available Credit $36.83 Credit Line for Cash $2,000 Available Credit for Cash $36.83 At your service To call Customer Relations or to report a lost er stolen nrd: 1-800-903-3637 Send Payments to: Sead inquiries to, Attn: Remittan« Proo-ing Capital One S-1- Capital One Sion P.O. Box 85147 P.O. Bar 85015 Richmond, VA 23276 Richmond, VA 2328S-5015 Important Account Information For service in Spanish, please call (800) 929-8137. Para servicio en Espatiol, por favor marque 800-929-8137. Finance Charges Pleare nee reverie fide for important information Bd-,rate ding Period. C-2 - gy,a,dto rafr 11((llTrt?!.. 1 1 0 PURCHASES $1,160.37 .04082% 14.90% $14.68 .? CASH $790.05 .04082% 14.90% $10.00 n ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. QwbalOnea 0000000 0 5178052200670905 27 1963170060000058002 New Balance $1,963.17 Minimum Amount Due $58.00 Payment Due Date February 27, 2003 Total enclosed $ Account Number: 5179-0522-0067-0905 Ple-p-t mdi!'Rg &hud? e-awilddR?r. br! -,bl -RdCk ink Stmt Apt Y C,y S.. ZIP Home Ph.. Alternate Ph- #9002856678636519# MAIL ID NUMBER Capital One Bank HAROLD M STEENBURG P.O. Box 85147 729 SOUTHERN DR Richmond, VA 23276 CATAWISSA PA 17820-8412 Pleme write your account number on your check or money order madepayable to Cdpifal One Bank and mail in tb, enclaredenvekpe. r Looking for a solution to pay off bills or free up extra cash? Look no further than your own home. Homeowners, take advantage of current low interest rates! Call 1-800-832-4992 today or visit www.capitalone.com/freshstart. CNIISpednWLwding A MEMBER OF THE COUNTRYWIDE FAMILY By responding to this offer, you may be communicating information about yourself to Full Spectrum Lending, Inc., which provides this product-tor example, that you are a Capital One customer. Equal Housing Lender. O 2002 Full Spectrum Lending, Inc. Tredelserykm marks am the property of Countrywide Credit Industries, Inc. andfor its subsidiaries. Arizona Mortgage Banker License Number - SK18763; Licensed by the Department of Corporations under the California Residential Mortgage Lending Ad; Georgia Reg. #12203, 2100 Roswell Rd., Suite 5008, Manacle, GA 30087 Illinois Residential Mortgage Licensee, 8030-A South Cicero Avenue, Oak Lawn, IL 60453; Massachusetts Mortgage Lender License No. ML 1459, New Hampshire Mortgage Banker License No. 5346-MB; Ucenwd Mortgage Banker,- NJ Department of Banking, 275 Rote 22 East, #5E, Spnng5eld, NJ 07081; Licensed Mortgage Banker - NYS Banking Department, 118-23 Queens Boulevard, Forest Hills, New York 11375; Rhode Island Lenders License. This is not an offer to enter into an interest rate lock-in agreement under Minnesota few. Resndions apply. Some products not available in all stales. O 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 O I O N I o ' N N ppeeriodic rate. To obtain the average daily balance for the b.Nitg period covered by this statement, we take the begfrvsng balance of each segment each day, add any new tmrlsactions to each segment, and subtract any peylnents or credits. of the code N appears on the hard r 1Na statement next to -Balance Rate Applied To,' we at- subtract any unpaid finance charge irntluded in the balarhce of each segment.) TNs gives us the daily balance of each segnem. Then, we add up all the dally balances for each segment or the billrg period and dvidle by the total number of days 1, the bYNng period. TNa gives us the y¢e daily be,._ rf each aegnent. 3. Annual t+sos[age Rats (APRI. e. The term 'Annual Percentage Rate' may appear as 'APR' an the front of this satement. b. if the code P (Prime), L (3-mo. ODOR), C (Certificate of this ssttatement next to the Periode?rat id nthe pfericd rates and comespordng ANNUAL PERCENTAGE RATES may varyqusrtedy and may immese or decrease based m the sated irndpe9, as farad in The Web Street normal, plus the margin DDreviouxsy disclosed to you. These dnarngee will he ettectlve m the float day of your billing period coded by your part atnaman ending In the months January, April, July and Octoher. c. If the code D (prime), r (t-mo. LIBOR) or G (3-mr. LIBOR Repriced MomNy) appoars an the from of your statement rnexi to the periodic rate(s), the Fail rates end cone.pordkq ANNUAL PERCENTAGE RATES may vary In and may increase or decrease based on the stated indices, ea sand in The Wall Street Jourrol, plus the margin previously disclosed to you. These charges will be effective m the ff. day of your tilling period each month. 4. Aupmwt of Late, Overfill[ and Retuned Payment Feas. Your accent will be assessed ro more than two of the tees listed here that occur during any billing period. Under the terms of your customer agreement, we reserve the right tr I- or not to assess any tees =11: o, rotificatim to you without waiving our right to same err similar tees at a tarn time. 6.tfianwvkg You Adxasht. If a membaMnp lee appears m the front of Chia statement, you he- 30 days from the date this statement wore mailed to you to avoid paying the fee or to have such fee cradled to you if you cancel your accent. During this period, you may continue to use your account without having to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Department end pay yyour'New Baurge' in fill (excluding the membeshp tee) prior to the end of the thiny-day period. 6. N Yau clan You Aoaaad. You can request to dose yY wet by calling our Customer laro Uepwrtment. vas must seamy your credit edo rns l and cunt acceae deeka, cancel all prey thorized billing, and cease usirhe your accent. If you do not cancel preauthodzed rig , arrangetnenta,. we will casider receipt of a charge your aNhorizanm to reopen your account. Addtirnaily, your adxam will not be dosed mdl you pay all amounts you owe us indudng: any t,.-of- you he- audnod-cl, finance charge., past due fees, ovedimit fees, resumed payment fee., cash advance lee. and any other fees assessed to your .tarn. You am responsible or these amounts whether they appear on your account at the lime you red[" to close the accent or they am Incurred subsequent to your request to dose the accost. This may result in charges appeadng on your accent after you hays your eCCant it h has already been dosed. For example, if you eWnrbed a pumhasc from a mercham and we receive the trane:4 n from the mercham after your account has been dosed, your account will be reopened, the amass of the charge will be added to your eceman, and you will be reapaside for peymem. If Mere 1. a membersNp fee or your adxxxrht, the fee will continue to ho tlargatl, to the wtem pemtitted by law, urdI the ecedm belarhce nag beat paid in full as deflred above. 7. Usig You Aaosrri-Your card or accoun c-not he used M corsnscdarh anion any internist gambling transactions. 8. Nrid- Abaft ENotraio Cheek Cunveralcrh. When you provid. a check as payment, you audvdm us either to user hnfomnation from yaw check to make a me-twine .1-tmric fund tmnsfer flan your bank account or o process the payment ea a heck trsescdm. When we use Infonn9aon fran your deck to make an electronic fund trerofer, funds may be w4ddravn from your bank acearn as foal es the come day we receive yax paymax, and you will rot receive your heck back from your frerwieI i sdtudm. BILLING RIGHTS SUMMARY (In Case 01 Errors Or Questions About Your Bill) If you think your bill is mg, it you need more iniomladm m a transaction or all, write to us m a "".is sheet as athe rm as poaalble at the address for 'ngulrie. shown m iron of this nnement. We .at leer from you n, later than 60 de after we earn You the that bill an which the error or problem appeared. You can call our Customer Relations number, but ddrg sc will rhos preserve your rigirs. In your letter, give us the following inomhatm: your name and account number, the dollar amount of the suspected error, a description of the error end an .*anatim, if poseible, of why you believe there I. an error; or It you need mom Information, a description of the hem you are snare abort. You do cwt have to pay any amount in question while we are investigating it, but you are still obligated to pay the pans of your bill that are not queatlen. While we Inveatigete yow gussdm, t report you as deNrhpent or take any scrim to cdlea the =-t you question. 4,t Speclal Rule For Credit Card Purchases If you heye a pmr - with toe quality of progeny or scMdxea the yon purdwscd whh a cedt card and you have tried lo good faith to correct the problem with the merchant, you may lave the dgim cwt to pay the _e sngng a. Yo ha ve thi amount clue an the property or service plotectlm only when the ;: r=e pnice was more than x50.00 and the purchase was made in your home state or within 100 milts of your marling address. fit we own or operate the merchant, or if we mailed you the advenisamem for the property or seMcea, all purchases am covered reganleas of errhoum or loca8on of purchase.) Please --bar to sigh all corre lponde- t Does not apply to consumer noncredit card accounts 4 Does not apply to business roe-credit card accounts One support. Information privacy proleclim: ace our Istsied service mark of Capital rights men ved. a 2003 01LOLBAK t a. Grace Period. You will have a minimum grace period of 25 day. without finance that. on new purchases, - belarrce transfers, new special purchases and new other charges if You Pay Your total "New Balai in acm dmaa wind the Important Notice for payments below, and hn time for it to be credited by your nett statemax closing date. Them is ro grace period m cash advances and apetlel transfers. In eddiden, there fe ro gace period any trarhaa--don if you do rot pay the total 'New balance." b. Aasruitq FYnahoe Uess9•. Turaactfors wfilch are not suMect o a graco period em aase,aed flnsnce cherpe 1) from the dste of the transactlm or 2) from the rote the transaction is processed to yrtr Adorn[ or 3) flan the flrat tale dar day of the ounent hilN? period Addtiorhaly, If you did not pay the "New Balance horn the Previous billing period in full, finance cages continue to accrue to your unpaid balance unit the unpaid balance is paid in full. This means that you may still owe finance charges, even if you pay the entire New Balance indicated on the from of yar statement by the nee statartaht doting tae, but did not do sc or the prevbu. month. lhpald flnarhce charges are added to the apppp1Yl e sagrhdtt of your Account. tc. kanissan Fiestas CJrag .For each billing period that aub(act to e hhahce charge, a miNmun your acoaan is total FINANCE CHARGE of x0.60 will be imposed. If the total finance charge re- If from the apPlIcatim of your periodic mte(sl is lea. then 10.50, we, wdl subtract that amount from the $0.50 minirmm and the difference will be Nthe purdhaae narr of your adxnutt. td. ,=1o, ReBrAi#n in Fnsea Usage. We dwenre the right to not easels any or all finance verges or any given Nllirg period 2. A,= Daily Balance (iekrdirtg New P rdtuesl. a. Rnaroe charge is calcui by multiplying the tell balance of asch seghent of Your account (e.g., cash advance, purchase, special transfer, ad .pedal pdr -I by the cerreaporedrha dally periodic rate(a) that hen yeah prevkhuNy disclosed to you. At the and of each day during the hating period, - apply the dally periodic rate for each aegnent of your athetaht to the dell,y balance of each aegnant. Than at the and of the Nang period, we add up the reaulta of these daily ralaJatore to arrive at your periodic finance charge or each segment. Weol add up the rasps from each segment to arrive at to to periodic Whence cattle or you accent. To get the dulyy bo?un?ce or each segnem of your amaan, we take the begmrhp balance for each eepmern and add amrry new transactions and any ppeeriodc Waroe tlerge raiaiaetl m the prev(ous days balmce or that .egnent. We then subtract any Payments or tractor pas[ed ea of clot day :%j-, allocated to that womae. This givers tae [he aepaaty balams: for each segment of your necoun. However, If youpe id the Now Be_ shown m you previous statement In fill (or if your new balance waa zero or a credit amour t), new trtesections which poet to You punrJene a scarlet purchase r e imence are not added to the defy balances. We =Wine the average dal balance, by adding all the daily baaces together and dividing the sun by the comber of the days in the cuman bill cycle. To calculate your total fin- charge, naadply your average dally belanc?a oil the deny periodic rte arnd by the ember of days in the Nlfirg period. Duna t0 raahdng m e daily basis, them may he e mend the amoral of slant vaderdce actw+em tea sec. finance, char actually assessed. h. If the code Z a N appears m the from of this sate roe o "ealawx Rate AppNed To,' we multiply the 547645 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. EXCLUSIVELY FOR CAPITAL ONE" CARDHOLDERS PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 Capital One0and SkyMall"bring you quality, brand-name products! Save Z)'on SkyMall merchandise' for any occasion through 03/31/03• \1 ji -./ FRONTGATE. " Ultimate Smoothie Machine, Item'8412, $89.00"eNibbLe And order your Fruit Mix Kit, Item'16340, $2.99" y Flavors include: Srr-herry-Banana, Tropical Mango, Peach-Berry n ie Basket, Ite m'938, $40.99° For these and other valuable product offerings, visit Plus many more great items. Also, you can call 1-800-SKYMALL or complete and return the form on the back. {• (Please indicate Coupon Code ONE20) To order by mail... Account S Previous Balance $1,963.17 Payments, Credits and Adjustments $100.00 Transactions $95.79 Finance Charges $25.69 New Balance $1,984.65 Minimum Amount Due $59.00 Payment Due Date March 27, 2003 JAN 28 - FEB 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 22 FEB PAYMENT RECEIVED - THANK YOU $100.00- Transactions 29 JAN RED LOBSTER US00006445 WILLIAMSPORT PA 31 JAN OVERLIMIT FEE 27 FEB PAYMENT PROTECTION 1-888-527-6904 5680..... $49.51 29.00 17.28 Credit Card Payment due tomorrow and it's not in the mail? RELAX! Call 1-800-844-1590. Pay your Total Credit Line $2,000 bill over the phone with Capital Pay. It's fast and easy and can SAVE TIME & Money'. If your Total Available Credit $15.35 request is processed before 6:00 p.m. ET, your payment will post o your account the same Credit Line for Cash $2,000 business day, and your account will be credited by 8:00 a.m. ET tthe following business day. Available Credit for Cash $15.35 The $10 processing fee is billed to your account. (That's usually cheaper than overnight mail!) At your service To call Customer Relatiom or to report a last or stolen card: 1-800-903-3637 Send payments to. Scud inquiries to: Attn: Remittance Processing Capital One Services Capital One S- E0. B. 85147 P.O. Box $5015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account lnfonnation For service in Spanish, please call (800) 929-8137. Para serv icio en Espanol, por favor marque 800-929-8137. U) co Finance Charges Pleae Ju reverie ridefar important information Bdancer* Period. Cmxrpordmg WEE EE ,;oplirdto rate AAPPR PURCHASES $1,258.89 .0408296 14.90% $15.93 CASH $771.50 .04082% 14.90% $9.76 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. COwfa1Cw 0000000 0 5178052200670905 27 1984650100000059009 New Balance $1,984.65 Minimum Amount Due $59.00 Payment Due Date March 27, 2003 Total enclosed $ Account Number. 5178-0522-0067-0905 Plesirep..tmaih' gaddr--,-ore-rrrail ?grrhelo ..rbl orKxkmk. smro APL i aq Saes ZIP Home Phone Ahcm.L Phone 9 Email Add- #9005956678636514# MAIL ID NUMBER Capital One Bank HAROLD M STEENBURG P.O. Box 85147 729 SOUTHERN DR Richmond, VA 23276 `n CATAWISSA PA 17820-8412 iuitiuuutitnuririiniinsiintiiariiaruasuusunri ? ?uu???ru??u?us?t?iintin?n?n?tu??u?t?u?t??timi?n? Pleme vniteyour account number onyorn check m money order madepayable to Capital One Bank and mail in the erulwedemuelofe. r Capital One® and SkyMall`" bring you hundreds of product offers from brand-name companies. Shop forspecial occasions oryoursel/and save 20%! Capital One and SkyMall make it easy to own great products from the world's leading companies. Purchase quality, brand-name items such as Mrs. Fields Cookies, Frontgate's Ultimate Smoothie Machine and hundreds more. Plus, shop worry-free with the SkyMall guarantee. See Web site for terms and conditions and delivery information. Three easy ways to order: • visit www.Skymall.com/capitatoneO2 • Call 1-800-SKYMALL (759-6255) • Complete and mail this coupon with your credit card payment • Don't forget to use Coupon Code ONE20 at checkout Take advantage of this opportunity to save 20% through 03/31/03 Important information 'Not all of the companies that advertise in SkyMall participate in discount programs. Therefore, the discount will not apply to some products. See Web site for complete details. "Plus shipping and handling, plus applicable taxes. Shipping and handling will vary by order. Shipments to Alaska, Hawaii, Puerto Rico, Guam, APOS and FPOs require an additional Sro shipping charge. SkyMall is solely responsible for this offer and is not affiliated with Capital One. Any trademarks mentioned here are solely owned by the respective entity. AN lights reserved. Capital One has no affiliation with these non-credit card entities or pmducts. Capital One does not provide, endorse or guaantee any pmdua of seroce shown here. By responding to this offer, you may be communicating infomelion ahour yourself to SkyMall, which provides this product-for example, that you are a Capital One customer. © 2003 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. 8 0 N r 0 1 N N Name Mailing Address city state ZIP E-mail Address Phone Number Credit Ord Number ??/?? SmooBhk Machine@$89.oox QFY credit card Expinaon Date Total Fmk Mix Kk 0$2.99xQry (/ , •_ Coolde Basket ®$40.99X. Fruit Mix Kit flavors: Deduct 20% Off Now Strawberry-Banana _(Qty) Tropical Mango __(Qty) Total Cost to You- Peach-Berry _(Qty) Signature Date I authorize Capital One to forward this coupon on my behalf to the company that provides this product. 21CAF rperiodo rate. To obtain the average daily balance for the hMing period covered by this statement, we take the beginning balance of each segment each day, add any raw transactions to each aegr?ent, and Subtract any payments or credits. Of the code N appeam an the from of this statement next to'Belance Rate Applied To,' we also Subtm` any unpaid Imance charge included in the balance of each segment.) The gives us the daily balance of each segment Than we add up all tie dallyy balances for each •egmenxt fa to billing period and dAde by the roar camber of days In the billing period. This gives us the average dally balance of each segment. 3. Aratad Proarhfpa Rates IAPRI. a. The term 'Annual Percentage Rate' may appear as APR' an the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deport), OF S (Bankcard Prime) appeam m the from of this statement next to the periodic rote(s), the periodic rates and conespo ndrg ANNUAL PERCENTA43 AATES may vary quarterly and may increase or decrease based on the stated inclose, as rand in The Wall Street Journal, plus the margin DDrevioualy disclosed to you. These Nhaaea All be a active on the grant day of your billing period coveree by ymr pedodc statement endrg In the months January, April, Jul and October. c. If the code D (Prime), F (1-mo. LIBOR) or G (3-me LIBOR Repriced Monthly) appears m the from of your statement next to the pedodc rate(s), the periodc rates and carrespahdre ANNUAL PERCENTAGE RATES may very monthly arnhdd may increase or decrease based on the stated indices, as found in The Wall Street Journal, dun the margin previously disclosed to you. These charges well be effective on the first day of Your billing period each mash. 4. Awmrunt of Leta, Ovwindt was ReMSad Paynrwt Faros. Your accam wall be assessed no more than two of the fees listed here that occur during any billing period. Under the terms of your customer aginert vve reserve the light to waive or not to sasese any fees v thma pprior natlll to yon without waiving our right to assess the same or similar tees at a later time. 5.tRwawIng Your AosoraV. If a mennberaNp fee so . on the fran of 1Ns statement, you have 30 days tram the date this statement was mailed to you to avoid payhrg the fee or to have such fee credited to you if you cancel your accent. During this period, you may continue to Uses your account without having to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Department and pay yymr'New Balance' in full (excluding the menberaN. fee) pdar to the eM of the thirty-day pared. 8. R You cone You Aoeaut. Vm can request to close yy account by calling our Custaner Ratetione uepartmmt. Yw moat destroy your enact cam(s) and ount see... check., cancel ell preeubodled billing, and cease using your accam. Ii you do rem cancel prcadharized billing arangemenn, we will cernrder receipt of a charge your authorization to reopen your accourn. Additionally, your accant AN not be dosed undl yon pay all amounts you two us including: any transactions you have authorized, finance charges, past due fees, ovedimit feel, returned payment fees, cash advance fees and any other fees assessed to your account. You am responsible for these amount whether they appear an your accoun at the time you request to close the account or they are incurred subsequent to your request to dose the account. This may malt in charges appearing m your account after you have your accent if it has already been dosed. Far example, if you authorized a purchase from a merchant and w. raceive, the tmrhseaim from the merchant after your acco rr has been closed, your amount AN be reopened, the amount of the dharge, ANN be added to your accost, end mmWit be reertsi le for payment. If them ha a , fee for your account, the fee will continue to be uriarged, to the an psmttted by law, not the ceeurnt hatanae has bens pod in hill as dented above. 7. using Yaw Asaaut.You card or account cannot be used In corectbn with any Internet gambling tranaactlorm. e. Notice About Eloobands Chalk dsww bn. When you provide a Neck as payment, you ash a us either to use Infomation from yar deck to make a are-Yana elect.. find normal from your bank accann a ta procase the payment as a check tone suction. When we use Information from your deck to make an I-- fund transfer, funds may be withdravm from your bank atxxart as soon so tre same day we receve your paymwx, end you AN rot receive your check back from your fiherndal iratitwiah. BILLING RIGHTS SUMMARY (In Case Of Error Or Questions Aboun Your Bill) It you (Nnk your bill I. wrog, or if you need more informatm on a transaction or bell, write to us on a separate reel as soon as possible at the address for inquiries all~ on the front of this setarnan. We mum hear from you no later than 60 day. after we scat you the firs big on which the error o problem appeared. Vou rash call our Customer Relations number, Ind doing so All not preserve your dghrta. In your letter, give us the following mbrmetion: your name and accam number, the defier amount of the suspected error, a description of the error and an explanation, if possible, of Any you believe there I. m error; or If you reed mom Infornanm, a description of the from you are unsure abort. You do mat have to pay any amour In question while we are Invea In b but you are still obligated to pay the pan'' Yaxr bif hat are rat question. While we Investigate yrau question, wo cannot report you as dsilrguent or take any anion to cote` the amain you gustation. i,t Special Rule For Credit Card Purchases If you have a problem with the quality of prnpefly or se:= ''in good fait to tonight dt y.m %id1h1 ed vAM atla credit card and you have triepay with M. merchant, you may have the rig" not to o to pay to this ng amain dun on the the praappeenY or services. dre Ym have this praecnon only when tie purchase pdux was more than $50.00 ant the purcaase was made in your home mate or within 100 mile. of your mdi, g address. (It we own or operate the merchant, of if we mailed you the advertheemem for the property or services, all purchases covered regerdese of amaum or locator of purchase.) Please remember to sigh all correspondence. t Does not apply to consumer non-credit card accounts i Does rot apply to badness na credit card accounts Capital One alpporm Information privacy protection: are our Waballa 8t WWW.GpUIena.Cefl. Caphel Cana is a federally regsaretl service mark of Capital One naal Coryotatim. All sigma resenv erved. • 2003 Capitol of al One 01LGL13AK t a. Glass Pared. yea will have a minimum grace pedod of 25 days wideut it-- charge m now purcass, rhevv balance trasfere, new special purchases and new other charges if you pay your tar 'Now Belansee', in accordance with the Important Notice for payments below, and in time for N to be credited by your next sutear tert closing date. There is no grace period an rash advances and special transfers. In addtion, nhere Is no grace period any transaction If you do rat pay the total 'Navy baton".' b. Aoaukg Fa ermar charge. TF-Criers Allch are not abject to a grace period am assessed firance charge 11 iron the date of the transaction or 2) from the date the trarsecton is processed to your Account or 3) from the first calendar day of the c mbrx biNrsp pecod. AddtiaaNy, if you did rat pay the 'New Balance from the preNas billing period in full, finance charges continue to accrue ro your unpaid balance rnul the unpaid balance is paid in full. This mears that you may 9 owe fierce chergea, even if you pay the entire New Balance ndiramd on the fiat of your staonant by ma rem aabxlhent closing dire, but did roc do so for the prone oe, mach. Unpaid finance charges added to the hie eegment of your An a-uht. t c. Nidnun Fnwae . Far each hitting period that your accarx I. subie-t to o finance large, a minimum total RNANCE CHARGE of 00.50 All be Imposed. If the total firhwhce charge resitrq from the appli ton of yr `ou periodic rate(s) is lose than 00.50, we All miy rac: thet anaaa from to $0.50 minimum and the difference will be billed to the purchase, aea???rt of your account. td. Teepmary Reduction in =. surge. We reserve the ridtt to rot seams any or all finance charges for any green biiin ppeeri??od. 2. Aywage DYy Balarnoe lahskaare New Purdnna). a. Finance charge Is calc latetl y multiplying the dally balance of each segment of your accant (e.g., cash advance, purchases, special transfer, and spedal purchase) by the corresponding daily peAodc rme(s) that has been previously cisdowd to you At the end of each day du the billg dod, we apply the daily pereck rate for em . Then a thetha to tie NIh/ helarce of each n0 period, we add W the resits of these dally calculations, to arrive a pedodie finance charge for eadh segment. We add up the readu from each sagneat to arrive at the total periodic firance large tar your ahceut. To got the daily balance for each segnex of your acmux, we take the begs nine balance for P. aegnm, ant add anyy new, trwsa`lare end mypenodi c finance charge ralalated an the previous Y. befamm for that segrent. We therl subtract any payments or credta pasted as of that day that are allocated to list aegneM. TNS gives us the separate dally balance for each e0ghent of your accent. However, if you gold the Now Batarca shown on you previas satenert In fill (a If your new balance cam zero or a cmdt amou o, new transactions witch poet to your purdase a spatial puudase segnaas am nth adrbd ro the daily balwcee. We coleslaw the average daily balace by adding all the daily balances togatar and dividing fire stern by the number of the days in the o mare, brig cycle. To calculate your total finance carpe, maddply your average daily balance by the daily pedodic rate and by the ember of days in the Using period. Due Fo randrg on a elegy basis, there may be a 'Night wriance, between dis calaiation and the amour of flranra charge a-ly eseeseed. b. If the code 2 or N appears an the ftan of this statement next to 'Balance Rate Applied To,' we multiply the 556165 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Do you know what's on your credit report? nln Creditinform empowers you to manage your credit too to Get a customized, easy-to-read credit profile that includes L your credit score. loan, dates every three months. • Receive detailed credit up • See what influences your credit score with Credit Analyzer, e an online interactive tool. n • Consult with Credit Education Specialists, toll free. • And much more for only $4.99 a month. fo dit I See back for details. Cre n rm Risk-free for 30 days. Offer expires: 05-31-03. pootn° by EQUN 1(' To respond to this special, limited-time offer, simply complete this acceptance form and return it with your Capital One card payment. Visit www.mycreditinform.com for more in formation. Capitalow Account S Previous Balance $1,984.65 Payments, Credits and Adjustments $99.00 Transactions $16.87 Finance Charges $22.37 New Balance $1,934.89 Minimum Amount Due $58.00 Payment Due Date April 26, 2003 Total Credit Line $2,000 Total Available Credit $65.11 Credit Line for Cash $2,000 Available Credit for Cash $65.11 At your service To call Culitomer Relations or to report a lost or stolen m& 1-800-903-3637 Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Seryieea Capital One Servicra P.O. Box $5147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 important Account Information For service in Spanis}I, please call (800) 929-8137. Para servicio en Espanol, por favor marque 800-929-8137. RYES, I want to manage my credit with Creditinform. 56020PO1 I have read the important disclosure on the back and authorize Intersections, Inc., provider of Creditlnform, to obtain and compile my credit report and monitor my credit rile at Equifax' I authorize Capital Onea to forward this coupon on my behalf to the company that provides this product. Signature Name (Please Print) MD - Social Security Number (Required) 729 SOUTHERN DR CATAWISSA PA 17820-8412 1000000074058389 PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 7168 FEB 28 - MAR 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 o8 MAR OVERLIMIT FEE CREDIT $29.00- 2 20 MAR PAYMENT RECEIVED -THANK YOU 60.00- Transactions 3 27 MAR PAYMENT PROTECTION 1-888-527-6904 $16.87 Credit Card Payment due tomorrow and it's not in the mail? RELAX! Call 1-800-844-1590. Pay your bill over the phone with Capital Pay. It's fast and easy and can SAVE TIME & Money! if your request is processed before 6:00 p.m. ET, your payment will post to your account the same business day, and your account will be credited by 8:00 a.m. ET the following business day. The $10 processing fee is billed to your account. (That's usually cheaper than overnight mail!) Finance Charges Please tee reverietidefor important information Bal rate Period'. Car pauhng )11 fPR l riAl{ applirdfo at, to PURCHASES $1,2(M.56 .0408246 14.90% $13.79 y CASH $751.09 .04082% 14.90% $8.58 N ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. CapftalOne' 0000000 0 5178052200670905 27 1934890060000058001 Plrarrpnietmar/ingaddrna? r-.xai/rAmrgrrbr/uuraiadb! orb/arkiuk New Balance $1,934.89 Minimum Amount Due $58.00 Payment Due Date April 26, 2003 Total enclosed $ Account Number. 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 Illuuul6111I11I111 Richmond, VA 23276 IIIIIIIIIIIIIIIIII IIIIII/IIII IIIIIIIIIIIIIIIIIII IIIIII VIII III Saar Apt # (Sty srk ZIP Home Phone Alternate Phooe 4 E aAddrew #9008756678636515# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 ? II IIIIIIIII II IIIIIIIIIIIIIIIII II VIII IIIIIIIIIIIIIIIIIIIIIIIII F Pleate unite yow aecount number on your check or money order madepayable to Capital One Bank and mail in the enrlwed envelope. Creditlnform puts the power of financial management in your hands. When it comes to achieving your financial goals, there are few things as important as your credit. As a Creditlnform member, you can monitor the accuracy of your credit file with a personalized, easy-to-read credit profile from Equifax, a leading credit reporting agency. Enjoy exclusive benefits Your profile includes your credit score, explanations of what influences your score and personalized credit information. You'll also receive detailed quarterly credit updates online or via mail. And Credit Education Specialists are available to answer questions or help you resolve a dispute. 30-day, risk-free trial period loin Creditlnform today and enjoy a 3o-day, risk-free trial period. After that, your$4.99 a month membership fee will be conveniently billed to your Capital One account. Sign and return this form today to more effectively manage your credit with Creditlnform. i © 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. Equifax is a registered trademark of Equifax Inc. *This quote was found at http://www.ftc.gov/bcp/coline/edcams/fcra/index.htmi. The Federal Trade Commission is not affiliated, connected, or associated with Capital One and does not sponsor, endorse or approve Capital One products or services. I understand that Intersections, Inc. cannot accept authorization from any other person other than the individual joining the service and confirm that I am requesting my own personal information and no other, l acknowledge that, to ensure continuous service, my membership will be automatically renewed at the then current rate, unless I tell you to cancel. I understand that Intersections, Inc. is authorized under contract with Equifax to serve the informational needs of consumers and assumes no liability for information contained in my credit file. I confirm that I am at least 18 years of age. Note: We cannot process your order without your authorization. Equifax and Intersections, Inc, are solely responsible for this offer, and are not affiliated with Capital One. Capital One does not provide or guarantee any product or service shown here. For inquiries about this product or if you Wish to bill a different credit card, please call 1-866-226-3745. By responding to this offer, you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital One customer. The Creditlnform service is available to only one cardholder per account. 8 O I O N i N N rrioc c rate. To obtain the average daily balance for the billing period covered by this statement, we take the beginning balance of mch wilment each day, add any new, trarsactions to each segment, and subtract any payments or credits. (It the code N appears on the tram of this statement next to -Balance Rate Applied To,' we also subtract any unpaid finance charge included in the balance of each segment.) This gives us the dally balance of each segmxn. Then, we add up all the daily balances for each segment for the billing period and divide by the total number of days In the baling period. TNS gives us the average daily balance of each segment. 3. Arad Preentega Rates IAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR' on the front of mss statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), OF S (Bankcard Prime) appears on the from of this statement next to the periodic Fatale), the {anodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the sated indices, as found I. The WaH Sireef Journal, plus the margin ppreviously disclosed to you. These dinngesve will be elfective on the first day of Your billing Pwlod cored by your pedodc waternem ending In the months January, April, July and October. c. I the code D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appears on the from of you statement next to the pedodc rate(s), to periodic rates and corregpadnT ANNUAL PERCENTAGE RATPS may vary monthly and may increases or decrease based on to stated indices, as foul in The WeN Street Jorrnel, plus the margin previously disclosed to you. These danger will be effective on the fiat day of your billing period each month. 4. Assessment of LW, Owaini rd Retuned Psynsnt Fees. Your accent All be assessed no more than two of the fees listed here then occur during any billing period. Under the terms of your customer ail t, we reserve the right to walve or not to assess any fees Wthou[ prior natification to you Wt out welving our right to assess the same or similar fees at a later time. 5.tRanawng You Aeeaat. If a membership fee appears on the from of this statemem, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your accent. During this period, you may continue to use your account wteut having to pay the membership far. To cancel your accost, you must notify us by calling our customer Relations Department and pay your *New Balance' in full (excluding the membership fee) prior to the end of the thlny-day period. 8. If You Close You Account. You can request to close Zaccostt by calling our Customer Relations nment. You must destroy your credit Caudle) and account access checks, cancel all peauthedzed billing, and c se using your accent. If you do rot cancel preauhorized bA. ling arrangements, we wit consider receipt of a charge your authorization to reopen your amount. Additionally, your account All not be dosed until you pay all ammme you owe us including: any transactions you hawk authorized, finarce charges, past due fees, overlimit fees, returned payment fees, cash advance fees and any other fees assessed to your accoum. You am responsible for these amounts whether they appear on your account at the time you request to close the accent of they am incurred subsequent to yoer repast to dose the accent. This may exult in charges appearing m your accent after you have your account if it has already been dosed. For example, if you authorized a purchase from a mardnas, and we receive the treeaction from the merchant after your aceoum has been closed, your a- will be imported, the amour of the charge will be added to your accent, and yyoouu will be responsible for payment. If them is a Fin rah ip fee for you account, the fee AN conarwe to be ca , to the extent pematted by law, until the accosts be erce has been pall in full as defined above. 7. Using Your Armou t.Yws card or accent ca- be used In connection with any Internist gambling 8. Provos Abort Electronic payment Cloak Ibrwthoriz. on When you provide deck k a as , you authorize either co use information from your deck to make a one-time, nt t or t cess t fond transfer from chyouir eck bank accoun or to proc use ess the payment a as a dock t make an an . When information from your deck to make ik trod transfer, finals may be withdrawn from your your bank accent as soon n as as the sema day your recheck your payment, and you will not receive your check beck from your financial instrourron. BILLING RIGHTS SUMMARY On Case Of Errors Or Questions Abaft Your Bill) If you think your bill is wrong, or if you reed more Information m a transaction or bill, write to us m a separate sheet as scan as possible at the address for inquiries shown on the from of this satemem. We must bur from you no later than 80 days after we sea you the first bill on With the error or problem appeared. You can call m1- Customer Relations number, but doing W Wa not preserve your d". In your letter, give us the iollowng information: your home and account number, the dollar amount of the suspected error, a description of the error and an explanation, if possible, of whyy you believe there is an error; or If you reed mom Intonation, a description of the hem you are untrue about. You do not haw: to pay any a mount in question while we are Inveatlgft it, bon you r will obligated to pay the pans of your bN that are not In quesaon. While we inveftlgete your, question, we ra-1 report you as delinquent or take any action to collect the amount you queenim. t,t Special Rule For Credit Card Purchases If you haw a problem Wth the quality of property or services that you purchased with a credit card and you have tried In good faith to coreect the problem Wth the merchant, you may have the right net to pay the remaining amamt due m the property or services. You have this protection only when the purchase pdm was more than $50.00 and the purchase was made in your hone stale or within 100 miles of your mailing address. (If we own or operate to merchant, or if we mailed you the advenisereem for to Propefry or services, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all correspmderca. t Does rot apply to consarrar roc-credo caad aceoutes t Does not apply to business roa-olt card ac co unts supports information privacy protection: see our wvnv.ccaapptabns.can. is a fadeally wered service maark of Capital IBI Corporation. MI fights reserved. 2003 01 LOLBAK 1. Him To Avoid A Finance Charge. t a. Graoe Period. You will lave a minimum grace period of 25 days without finance charge on new purrhasee, new balance transfers, new special purchases and now, other charges if you pay your total 'New Balance', in accortlarce, with the Important Nowe for Payments below, and in time for it to be credited by your next statement tloeing date. Them is no grace period on cash advances and special transfers. In addition, there is w gace period on any tre Uon if you do not pay to total 'New balance.' I,. Aaoning Fb- Charge. Trarsamlas which am net aub)ect to a grace period are assessed finance charge 1) fromn the date of the ttamsecdon or 2) from the date the transaction is processed to your Account w 3) from the first calendar day of the arrrornt biNnp pecod. Add iorally, if you did not pay the -New Balance from rife pmvious baling period in full, finance charges Continue to accrue m your unpaid balance until the unpaid balance is laid in full. This mere that you may will owe fierce charges, even if you pay the emirs New Balance indicated on the front of your statement by the next wevernex dosing date, but rid not do m for the previous month. Unpaid finance charges am added w the applf a segment of your Account. tc. IAWruan FYhrae dirge. For each billing pedod that you account s aWtact to a flrnarnee flange, a minimum total FINANCE G-l4RGE of sO.60 All be imposed. If 9. mial finance, periodic ram(swI leas than 40.50, we H abuse[ t}atr mount from the 80.50 minimum and the difference will be e?mmt of your accent. bled to the purchase td. Temporary Retluo8on In an Fince Ohrga. We reserve the right to not assess any or all finance charges for my given bang period 2. Avaraga Ddy Balrnoe Ilnokdig New Pvahaseal. a.=Barge is calculated y multiplying the deity balance of each sagne : of your acoous (e. g., cash advance, purchase, special transfer, and spedel purchase) by the corresponding daily periodic rome(s) that has been previously da hosed to you. At the end of each de dining the biing period, we apply din daily periodic rate Tor each segnam of your accent to the daily balance of each segment. Then at the, end of the Wiling period, we add up the results of these daily calWatas to arrive at your periodic finance charge for each a figment. We add the resits from eadh aegnt to arrive at the total perioodic fnrea chharge for your -Count. To get the daily balance for each segment of your account, we take the begming balance for each segnmt and add any now [rorsectdons and any pardodic finance charge calculated on trio previous days balance for that aegneht. We then sbtrocr any paymehra or credits platted as of that coy tlhat are eaocated to that segmeh[. This gives us the separate daily balance for each eegnent of your accosts. However, if yw poi oche New Balance shown on your preNas setonam in fiM if your new, balance wee rem or a credit amen), new transaction which post to your purchase or special purcase segmtnta am not added to the daily balancers. We calalMe the average dailyy balace by adding al the daily baloras togetter and ell ding the sum by the number of the days in the current Wiling cycle. To calaaam your total finance charge, multiply your average daily balance by the daidTfledic rate and by the number of days In the baling pet Due te roaring on a daily basis, there may be a slight vadarhce between this calculation and the amount of finance conga scoaly assessed. b. If the code For N appears on the from of this statement next m 'Balance Rate Applied To,' we multiply the 521415 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. -----------------------------------------------------------------------------------------------009 1 I Show Mom your love! I - Special savings for Capital One' Cardholders! 0/O on your next purchase when i you use Promotion Code CAP66 i Save See reverse for details) i l 5 Save this code! Offer good all year longl 1 1 1 Remember: Mother's Day is Sunday, May 14th r? I 1-800-flowers com. Call 1-800-FLOWERS' (1-800-356-9377) or Click www.I800flowers.com today! Your florist of choice- _____________________________________________________________________________________________J CapMalow° Account S Previous Balance $1,934.89 Payments, Credits and Adjustments $258.00 Transactions $14.92 Finance Charges $24.22 New Balance $1,716.03 Minimum Amount Due $51.00 Payment Due Date May 27, 2003 Total Credit Line $2,000 Total Available Credit $283.97 Credit Line for Cash $2,000 Available Credit for Cash $283.97 At your service T. Dill Customer R&tions or to report a lost or stolen nrd: 1-800-903-3637 Send payments to: Srnd inquiries to: Attn: Remittanee Procrssing Capital One Services Capitsl One Serviors P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond VA 23285-5015 Important Account Information For service in Spanish, please call (800) 929-8137. Para servicio en Espanol, por favor marque 800-929-8137. N N PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 MAR 28 - APR 27, 2003 Page 1 of 2 Payments, Credits and Adjustments 1 24 APR PAYMENT RECEIVED - THANK YOU $258.00- Transactions 2 27APR PAYMENT PROTECTION 1-888-527-6904 $14.92 Credit Card Payment due tomorrow and it's not in the mail? RELAX! Call 1-800-844-1590. Pay your bill over the phone with Capital Pay. It's fast and easy and can SAVE TIME & Money If your request is processed before 6:00 p.m. ET, your payment will prat to your account the same business day, and your account will be credited by 8:00 am. ET the following business day. The $10 processing fee is billed to your account. (That's usually cheaper than overnight mail!) F-manee Charges Pleare me reverie fide for important information Rd- o o Perodie Co 21-11 g ?1 a .pptvdto rate A l:Y1Ax PURCHASES $1,164.35 .0408296 14.90% $14.99 CASH $729.11 .04082% 15.9096 $9.23 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. low, 0000000 0 5178052200670905 27 1716030258000051007 New Balance $1,716.03 Minimum Amount Due $51.00 Payment Due Date May 27, 2003 -- Total enclosed $ ? Account Number: 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 111111111111111 1111111 Richmond, VA 23276 11111111111111111111111111111111111111111111111111111111111111 Pl-p-d-hng dairumila -nwiId-p, brf wmrb! orblakmk Smn Apc Y Cry Snu ZIP AR.- Phone - #90117566786365104 MAIL ID NUMBER - HAROLD M STEENBURG 729 SOUTHERN DR M CATAWISSA PA 17820-8412 ? ? 11111111111111111111111111111111111111111111111111111111111111 r Plewe writeyo auount number on yoro check or money order madepayable to Capital One Bank and mail in the rnelared rnvelope. Get sweet savings on Mother's Day gifts for all the moms in your life ! 1-800-FLOWERS.COMe always promises you and all the moms you love: • Freshest flowers artistically designed • Personal service 24/7 for delivery same day, any day • 100% satisfaction and freshness guaranteed • The finest selection of flowers, plants, gift baskets, plush toys, gourmet foods and more • Gifts exclusively designed for 1 -800-FLOWERS. COMO by leading brands you trust. 1-800-flowersicom. Your florist ofchoice. 8 O O 1 M i °z N on your next purchase when Save l 5 * you use Promotion Code CAP66 Save this code! Offer good all year long! Call 1-800-FLOWERS" (1-800-356-9377) or Click www.1800flowers.com today! 'Exclusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery rules and times. Items can be ordered online and by phone only. Offers cannot be combined, may not be available on all products and are subject to restrictions, limitations and blackout periods. Offer valid through 12/31/06. Prices and charges are subject to change without notice. Void where prohibited. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. Trademarks mentioned herein are solely owned by their respective entity. All rights reserved. 1-800-FLOWERS is solely responsible for this offer and is not affiliated with Capital One. Capital One does not provide, endorse, or guarantee any product or service shown here. By responding to this offer, you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital One customer 0 2006 1-800-FLOWERS.COM, INC. 1-800-FLOWERS.COM0 uses Secure Socket Layer (SSL) encryption technology to secure its website. nodic rate. To obtain the average daily balance tot the !iYir, period covered by this statement, vile take the begimrg balance of each sspnens each day, add any new transactions to each segment, and subtract any payment. at credits. III the code N appears on the from of this statement next to 'Balance Rate Applied To,' we also summer any repaid finance charge included in the balance of each aegntem.) This gives to the daily balance of each mgnem. Ttron, we add up all the dally balances for each agment for the billing period and divide by it. tonal number of days In the billing period. This gives us, the =Z=I- o1 each segment. 3. outs IAPRI. a. The term 'Annual Percentage Rate' may appear as -APR' on the front of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of of th sateroom ? next to r the periodkiatels),the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly arid may increase or decrease based on the stated kd ices, as farad in The Wad Street Jounal, plus the margin Tylously disclosed to you. These ciardges Will be effective on the first day of your billing period covered by Your periodic statement ending in the months January, April, July October. c. If the code D (Prime), F (1-mo. LBOR) or G (3-mo. LIBOR Repd ed Monthly) apple rs r the from of your statement next to the pedodc a tel.), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based an the sated indite., as tend in The Was Street roamer, plus the margin previously disciosed to you. Thess charge' will be effective on the fiat day of your tilling period each momh. 4. Assessment of Late, Overlrut and Rod anad Prymarit Fees. Your accent will be assessed no more than two of the fees listed here that occur during any billing period. Under the terms of your cu rtaner agreemans, we reserve the right to give or rot to assess any fee. withan pri notification to you without waiving our right to aseess the same or similar fees at a later time. 5.tRarswing You Ax If a membership fee appears on the from of this statement, you have 30 dap from the date the statement was mailed to you to avoid paying the fee or to have such fee created to you if you cancel your account. During this period, you may continue to we your accent wiMou[ having to pay the membership fee. To cancel your accost, you must notify rs by calling our Crsmaner Relations Department and pay yyour'New Balance' in hull (excluding the emberahip feel prior to the end of the thiny-day period. 6. N Yrw Close You Aseararl. You can request to close =ac cent by calling our Customer Relations nmenl. You mum destroy Your credit card(.) and aunt access docks, cirmal all preauho lted billing, and cease ualrdp your account. If you do not cancel preeuhonized billing arrangements, we will consider receipt of a charge your authorizatir, to reopen our account. Additionally, your account will not be closed until you pay all amounts you owe us including: any trameactios you have auhodzed, finance charges, paw due fees, ovedimit fees, returned payment fees, cash advance fees and any whet fees mal ased to your emant. You are responsible for them amours whether they appear on your 112c,-are et the time you request to close the account or Incurred o your request to dose the account. Thiarbaes maygtent reacttin chances appealing on your account after you have If your account authorized has already closed. For example, receive the transaction from the merchant after your attars has been closed, your aocant will be -opened, the amount of the charge will be added to your acceue, and you will be reaparaibie for privations. If there is a membership fee for your account, the fee will condrs[a to be charged, to the extern pemtill by law, until the amorli balace has been paid in full as defined above. 7. Using You Asaau t.Your card or amount cannot be used In correction with any Internet gambling trio -done. a. Nod- Abaa Daabonio Chsk Cowandm. When you provide a deck as payment, you aphorize us eltmr to core information from you deck to make a ore-tirm electrahic fund transfer from your bank account or to promise the payment as a check trarsection. When we use information from you deck to make an eloctmnic fud transfer, funds may be withdrawn from your bmtk amount as soon as the same clay we raceh" Wu payment, and you will not receive your check back from your financial itsdtwond. BILLING RIGHTS SUMMARY (In Case Of Errors Or Questions About Your Bun If you think your bill Is wrong, OF If you need more nformation an a transaction or bill, write to us m a separate sheet as soon as posaibie at the address tar Ypudes shown r the hoot of the statement. We must hear from you no later than 60 de after we so m wort the firer bill and which the error or problem appeared. You can call our Customer Relations number, but doing so will non preserve your rights. In your lerter, give rs the following information: your came and amount number, the dollar amount of the suspected error, a description of the error and an explanation, if possible, of wartyy You believe there is an error; or if you armed more Information, a description of the hem you am sauce about. You do not have to pay any amount In quastlon veil. wo we Inweadgetlrg It, but you are ads obilga?ed to pay the parts of your bill that are rot In question. WNI we imcstlgeto your question, carol report you as delinquent or take any action to celled the amount you question. I,t Special Rule For Credit Card Purchases If you have a problem with ft quality of property or services that you purchased with a credit cad and you have tried In good faith to west the problem Wth the meroham, you may haw the right not to pay the remalhing amount due m the property or services. You have this protection oily whon the purchasederice was more than 35000 and the purchase was ma in Your home ante or whi 100 mile. oI your mailing address. IN we owns or operate the merchant, or if we mailed you the advenisamemi for the p rty or services, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all correspadence. t Does not apply to consumer roe-credit card --mil t Does not apply to business ron-cradle cald accounts Capital One supports information privacy protection: am our brine at Capital One is a rally reaggsered service mark of Capital One Hnardaal Corporation. yql n¢tta reserved. • 2003 Capital One 01LGLBAK to. Qas Period. You will hove a miNmun grace period of 25 days without fiance charge an new purchases, now, balance tr snamm, new .pedal purchases and new other charges If you pay your total -New Balance-, in accordance with the Important Notice for payments below, and in time for it to be credited by you non wam meat closing date. There is no, grace period an cash advarrso and special transfers. In addition, there Is ro grace period m any transaction If you do net pay the total 'New balance.' b. Aaaritg Hasa Charge. Trersactia s which are net abject to a grace period are asamood (hence change 1) from the date of the transaction OF 2) from the date the tarsaco- Is processed to you Acconn or 3) from the finer calendar day of the arrrare bNNnp paced. Additionally, if You did not pay the 'flew Balerne from the previous billing period in hall, frrence charges oontinue to accrue to your unpaid balance udl the unpaid balance is paid in full. This no- the[ you mayy snit owe fxarhT:* rge even if you pay the erht New B.Iar,ce indicatethe icons of you statement by the ra xt auroment closing date, but did net do so for the previous mash. Unpaid asrdce charges she added to the s cable segment of you Accoutre. te. MidY- Finanoa . For each billing period that your axone Is abject to a fln ence charge, a mlNmun total RNANCE C)14ROE of $0.50 will be, Imposed. If the tool flnorrx charge reaiUtg from the application of you periodic rate(s) is leas then 00.50, we, will attract shot amount from the 00.50 minimum, and the difference will be tolled to the putdaee m of you account. t d. Terparary Reduction in Charge. We reserve the nice to not assess any or all finance charges for arty given billing ppeedod. 2. A, Fee Daly aalarsa IlnaN. *1 New Purahssl. a. Finance charge is calculated by multiplying the daily balace of each segment of your acount (e.g., man advance, purchase, special transfer, and special pure asel by the correspahdng daily periodic rate(s) that has been prevlanaly disdoaed to you. At the and of each day during the billing period, we, apply the dally periodic rate for each moment of you acrntrn to the dally balance of each mom". Thad at the end of the baling period, we add up the resins of thwart al ly calculations to arrive at your periodic faanca dmrge for each sagmem. We add tp the rasul a iron each asgrdae to arrive at the moral periodic finonce charge for you arxordt. To get the dopy, balance for each segmerm of you amount, we take the beginning balers for each segmerd and add any now tares ctiono and any ppeerl finance charge calculated on the previous day's balance for that segnorm. We then attract any payment or credits posed are of that day that are allocated to that segment. This gives u the separate, daily balance for Dada axgmht of You accost. However, if you tie New Balance shown or, your pmNas maZioat In I (o If you new balant, was zem or a credit amoral rev tramctiono which loam to Your purchase, or special purchase momenta am not added to the daily helarces. We calculate tide average daily balance by adding ail tie daily balances togeOer ant dividing the sand by the number of the dap in Oe orrrent kill cycle. To calculate your total flnmce large, multiply you average dody, balance by the daily periodic rate and by the number of days in the bill pedod. Due to rounding r a daily basis, there may be a eight variance between, Oils cala lation and the amen[ of finance large actually assessed. b. If the code 2 o N appeew m to front in nth statement next ro "Balance Rea Apelfed To,' we multidv a. 623565 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 4 ESPECIALLY FOR CAPITAL ONe CARDHOLDERS Get access to the information lenders use - with Creditinform:M 200903 Dear HAROLD M STEENBURG, Credit Infc)rni Page 2of As you know, your good credit-and an accurate credit report-can make potw.nd by Equlrm* all the difference when it comes to getting the best loan and rate available to you. loin today and enjoy exclusive benefits: Creditinform gives you access to the same information lenders use to make decisions about your loan ... and this information could help you qualify for the best rate possible. • Get a customized, easy-to-read Information from: Bankrate.com credit profile with your credit Typical Credit Scenarios score, followed by detailed credit Poor credit 1. Excellent credit ro& updates every three months from Home Mortgage 30-Yeaz Fixed $100,000 loan amount 8.70°ib 5.7% Equifax. Monthly payment $783 $580 Car Loan 60-Month Fixed $10,000 loan amount 16.50% 5.6% • Learn what influences your credit Monrhlypaynum $246 $191 score with Credit Analyzer, our I.-R" .f251_1003 online interactive tool. Once you sign up for Creditlnform, you'll receive your most recent credit score along with your personal credit profile. And every three months, you'll get detailed credit updates from Equifax. As a Creditinform member, • Access to Credit Education you'll now have access to our Credit Education Specialists (toll free). You Specialists can also take advantage of our credit score calculator, Credit Analyzer-the . online, interactive toot that demonstrates how different items on your credit report impact your personal credit score. • Enjoy risk-free for 3o days, then Try Creditinform for 3o days-at no cost-and put the power of financial just $4.99 Per month. management in your hands. Get the information you need about your credit ... before your lender does. Try Creditin form Sign and return the attached form today! It only takes a few minutes to risk-free for 30 days. . start enjoying benefits that will last a lifetime. Offer expires: o6/3O/O3. Sincerely, 9 AZa-710440_ J. Alan Berson Senior Vice President, Capital One Visit www.mvcrediUnform.com for more information. 200903 RYES, I want to manage my credit with Creditinform. Creditin form puts the power of 1 have read and agree with the Important disclosure and acknowledgements on the back and authorize • Intersections, Inc., provider of Creditinform, to obtain and financial management in your hands. compile my credit report and monitor my credit file at Equifax. I authorize Capital One to forward this coupon on my behalf to the company that provides this product. Simply complete, sign and return this form to become a Creditinform member today. 729 SOUTHERN DR CATAWISSA PA 1782o-8412 1000000074058389 7343 Return this with your Capital One card payment. Signature Name (Please Rint) Soda) Secudly Number (Required) 523565 © 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. Equifax is a registered trademark of Equifax Inc. I understand that Equifax and Intersections, Inc., cannot accept authorization from any other person other than the individual joining the service and confirm that I am requesting my own personal Information and no other. I acknowledge that, to ensure continuous service, my membership will be automatically renewed at the then-current rate, unless I tell you to cancel. I understand that Intersections, Inc., Is authorized under contract with Equifax to serve the informational needs of consumers and assumes no liability for information contained in my credit file. I confirm that I am at least 18 years of age. Note: We cannot process your order without your authorization. Equifax and Intersections, Inc., are solely responsible for this offer, and are not affiliated with Capital One. Capital One does not provide or guarantee any product or service shown here. For inquiries about this product or if you wish to bill a different credit card, please call 1-866-226.3745. By responding to this offer, you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital One customer. The Creditinform service is available to only one cardholder per account. First 3 months half-price P" FXC 7 9 a month; Es.ss/mo. thereafter 4 Now with FREE Accelerator for dw first 12 monthsr-a 160 value SIGN UP TODAY: ' 1-877-7784207 Mention Offer Code: GARNET Or visit www.peoplepc.com/go/garnet CapitaloW" Account S Previous Balance $1,716.03 Payments, Credits and Adjustments $216.03 Transactions $13.35 Finance Charges $20.34 New Balance 51,533.69 Minimum Amount Due $46.00 Payment Due Date June 27, 2003 Total Credit Line $2,000 Total Available Credit 5466.31 Credit Line for Cash $2,000 Available Credit for Cash $466.31 At your service To call Customer Relations or to report a lost or stolen nrd 1-800-903-3637 Send paymrnts to: Send inquiries to: Attn: Remittance Processing Capital One Serviees Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 %&.end, VA 23285-5015 Important Account Information Capital One is a proud sponsor of the American Film Institute's CBS primetime special presentation -- "AF1's 100 Years...100 Heroes & Vilhidns: America's Greatest Screen Characters." Of the century's great film heroes and villains, who is the greatest hero and who is the greatest villain? Will the list contain James Bond, Rocky Balboa, Hannibal Lecter, Catwoman, Indiana Jones, Norman Bates? To find out the answers to these questions and manyy more, tune in to CBS, Tuesday, June 3 from 8-11 PM (E]7I/PDT) 7-10 PM (CDT). N n 10m, 003 peoplepc" online U A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Virus Protection powered by symantec- ® Pop-Up BlockerT"" ?j Spam Controls Smarter Smart Dialer Technology dw cW More Email Addresses 4P . Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 APR 28 - MAY 27, 2003 Page 1 of 2 Payments, Credits and Adjustments 1 19 MAY PAYMENT RECEIVED - THANK YOU $216.03- Transactions 27 MAY PAYMENT PROTECTION 1-888-527-6904 $13.35 Credit Card Payment due tomorrow and it's not in the mail? RELAX! Call 1-800-844-1590. Payyour bill over the phone with Capital Pay. It's fast and easy and can SAVE TIME & Money! If your request is processed before 6:00 p.m. ET, your payment will post to your account the same business day, and your account will be credited by 8:00 a.m. ET the following business day. The $10 processing fee is billed to your account. (That's usually cheaper than overnight mail!) Finance Charges m Plewe ice reverie side jar important informati Bdauerafe ` Periodic C_=`", ME applied fo AAPPR r.* PURCHASES $1,033.79 .04082% 14.90% $1166 CASH $627.51 .04082% 14.90% $7.68 ANNUAL PERCENTAGE RATE applied this period ? PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 0 5178052200670905 27 1533690216030046005 New Balance $1,533.69 Minimum Amount Due $46.00 Payment Due Date June 27, 2003 Total enclosed E Account Number: 5178-0522-0067-0905 Plemepr;ef mailingad#rrr aab -[,A,%- be! eaindblw orb/anE irs.E 14.90% So-eer. Apc 4 ary Scare ZIP Home Phone Alumna Phone _ #9014856678636515# MAIL ID NUMBER Capital One Bank HAROLD M STEENBURG P.0. Box 85147 1111111111116191111111 rNV 729 SOUTHERN DR Richmond, VA 23276 r CATAWISSA PA 17820-8412 m o lulllullu9l9lln 9ll??n[!?n1??n1??1u??n9??n9??n9??u9? ° lu9llf u9l'uln9lllllu9ln'ulul u9ll11I9I n?9II9I n9llu' Plewe unite yorw account numbs on your dick or mmsey order made payable to Capital One Bank and mail in the encl ed envelope. r peoplepcie online A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-7784207 Mention Offer Code: GARNET Or visit www.peoplepc.coMgo/garnet 8 O O ? m ? o ? tV PeopiePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any Product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you am a Capital One customer. 'PeoplePC Online: First 3 months ere billed at $4.97 per month, $9.95 per month thereafter. Offer available to new dial-Lip subscribers at least 10 years of age and may not be redeemed with any other offer. Offer subject to charge at any time. Phone technlcd support available for $1.95 pa minute, fAccelerata is free for 12 months. Offer good for limited time. Aber the first 12 morths, the Accelerated service will automatlcally revert to the standard PeoplePC Online service. Offer subject to change at anytime. With PeoplePC Online Accelerated, certain Web page tax and graphics will load taster when compared to standard dial-up Internet service, Actual results may vary. PeopiePC Online Accelerated is only compatible with PeoplePC Online Internet service and specified N ndows49 browsers. PeoplePC Online Accelerated is not compatible with Windows@ 95 with IE 5.5 SP2. Service not available in all areas. Access fees, taxes, and other tees and restrictions may apply. Telephone toll charges may apply, even dtr'ng trial periods. You are responsible for determining whether a call to one of our access numbers will mi in telephone loll charges. Access may be limited, especially during times of peak usage. Did-up cambers may be changed at PeoplePC's discretion. Continues use subject to fimeout proceduas AN use is subject to PeoplePC Ordine's Services Agreement and Acceptade Use Policy. 56K is the mauknurn speed of service; actual speed may vary. O 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are trademarks of PeoplePC in the U.S. and other countries. O 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved, penode rate. To obtain the average daily balance for the billing period covered by this statement, we take the beginning balance of each sergmen each day, add any rnew Immu cdere to each segment, and subtract any payments or credits. (Ii the code N appeal m the from of ads .tatemem next to 'Balance Rate Applied To,' wo also subtrac any unpaid finance charge included n the balance of each segmenl.) This gives us the daily balance of each segment. Tlhen we add up all the daily balances for each segment to the bill ig Padod and dutde, by the total number of days in the billing period. This gives us the average daily balance of each segment. 3. Anneal Perwitage Robs IAPRI. a. The tens 'Annual Percentage Rate' may appear as 'APR' an the from of this stmement. b. If the code P (Prime), L 0-mo. UBOR), C (Certificate of Deposi or S t is wat r nedk10 the pedodc rate($) htha pfgT& rates and cemespandrq ANNUAL PERCENTAGE RATES may vary quarterly and may Interview or decrease baud m the muted indicts, as fond in The Wall Street J.-W, plus the margin ppreykuly diedwied to you. These dhergas will be effectlve m the firer day of you Nlling pedal covered by your pedoefic sletemmt eatdng in the months January, April, July and October. c. I1 the code D (Prime), F 0-me. LIBOR) or G (3-mo. UBOR Repriced Moroni a m on the tram of your statement rem to the poll rate(s), the pedodo rata and capptdnp ANNUAL PERCENTAGE RATES may varycem ; end =I ncraew or decrease based m the stated indices, w n The Wab street Joamal, Plus the margin pretioualV dsdoaed to you. Thew charges will be etbctlve m the fiat day of your tithing period each month. 4. Aasmana t of Late, Owing ard Rehrnad Paynhart Fees. Your accaura will be assessed ne more than two of the feea listed hem that occur during any billing period. Under the terms of your custerner agreement, we reserve the tight to wales or net to assess any tees witheu[ pd, notification to you without waiving ou tight to assess the same or similar tees eta later time. S.t'Rouswvlrg Your Aeheneuat. If a membership fee appear m the from of s a you 30 days fiery the dale this tliaw s tatemem, was mailedhave to you to avoid paying the fee or to to haw fee credited to you if you cancel your account. During g this w period, you may mine to use your a account wfthou having to pay the membership by fee. cancel d your amount, r, you moat notify us by calling g our Cualomer Relations Dspanmem end Pay your 'New Balanc' Le tul lexdudirg the hereya fac) prior to the of the thiny-day period. & N You Close Your Awoust. You can requeet to dose =account by calling our Customer Relations Uepertmem. You must deatmy you credit card(s) and accent access checks, cancel all preauhodzed bllIng, and team using your account. If you do net cancel preauhorized billing arrangamema, we will casiden receipt of a charge your auhorization to reopen your account. Addidarelly, you, .ceount will Ater be closed until you pay all amounts you owe us inducing: any trersectima you haw authorized, fireme charges, past due face, ovedimit fees, returned payment lee., cash advance foes and any other tees assessed to your accent. You au responsible for these amounts whether they appear on your accent at the time you regten to close the account or they are incurred susequ eni to you req arm to dow the amount. This may result in barges appearing m your account artier you haw your account if it has already been dosed. For example, if you authorized a purchase from a merchant and wa receive the treheactim from the merchom after your account has bash closed, your account will be Imported, the amount of the charge will be added tor errant, aM you will be resporaible for payment. If them is a membership fee for your account, the fee will continue m to the etaax '-=.d by law, until the -=CM=. lam bent Padd i or full as crams above. 7. Using Your AOOan card er account t carnet be Lased In orracdat with wait any ntemet gambling transactions. b 8. Noll About F]eabardo cheek Cerrvarebnh. When you provide a deck as peytnerht, you authorize us either w nee nfomader, from you, deck to make a era-tins, clearorlic find transfer from your bank acewt or to process the payment as a deck trereactien. When we, use infomatrm from your check to make an cltctrahic ftrd transfer, funds may be w'itdrown Tram your bank accent as soorh as the same day we re.efve your =, Gard m we. receive your lack beck from ho A WILLING RIGHTS SUMMARY On Caw Of Erma Or Questions About Your Bill) If you think your bill Is wrong, or if you need mom Infomatm on a transaction a bill, wtte to us on a separate sheet as son as possible at the address for irquides shown on tine from of this statement. We must hear from you no later than 00 derv after we sum you the first Ng an which the aror or problem appeared. You can call our Custanner Relates camber, tin ddng se will not rewrve your dights. In your letter, give us the following Pn,amatm your name and accotm number, the dollar amain of the wspected error, a description of the error and an explanation, it possible, of wity you believe there is an error; or if you need more Information, a description of the item you are assure ,ban. You do not haw to pay any amount in queatlm vZe we are invamigadng it, but you re still obligated to pay the pans of your bill that are tat In queadon. WHIs we investigate your question, mot report you as delinquent or take any action to dlect the amain You question. 1,t Special Rule For Credit Card Purchases If you haw a problem with the quality of proPeny err asretried in good fa c that you purased with a credit card and you heithd to correct Al Problem with the merchant, you may have to dgM rat to pay the remaining amount due m the pr rty or services. you have this protection oniy when the pundhew price was more than $50.00 and the purclaw was made in your home state OF vrithn 100 mile. of your manor aidrem. (R we own or operate the merchant, or if we mailed you the advertisement fer the property or seMoes, all put"'- are covered regerdesa of amount or braffen of P"c aw.) Pleaw remember to sigh all correapondence. t Does act apply to consumer nma-cradil card accents 4 Does act apply to business non-dadit card accounts One 041 nformation privacy prolmlion: am err at www. One ie a federallycaptlmna.canregi. stered ere ice mark of Capital ancial Coryaatim. All rights reserved. a 2003 One 01LOLBAK 1. Hew To Avid A F-. Charge. t a. (iaoe Period. You will haw a minimum grace period of 25 days witluet finance charge on new, purchase, new balance transfers, new special Purchases and new other charges it you pay you r total 'New Balance', in emordantce with the mponem Notice for payments below, and in time for it to be credited by your next statement dosing data. The. I. -n period n asch ad-- and special trmsfel. In eddtlah, them is not grace period an any noma-man If you do not pay the trod 'New balmhrr.' b. Aoaruig FYharhoe Charge. Transactions wN h are not subject to a grace period are assessed finance charge t) from tle date of the trensactlm or 2) from the data the tra lsocdmn is processed to your Account or 3) from the first calendar day of the winters bi" paced. AdAtio allY, if you old not pay to 'New Balance front the Previous bal rig period in full, firhance charges L•ordnw I eccnae te your upeid balance urdl the upad balance is paid in full: This mess that you mayy adI owe finance charges, even of you pay the entire New Balance khdceted m the from of but did nom do sum so for to IF the noxxt n ,nth. Uryaldo 4 giherce c argea dried to the cable segment of your Amara. to' s?irouan Fiharhee fhrge. car each Nlling period that your a ccasht is to a IFhenc?e dha tooml FINANCE ( E of $0.60 will ImPOaed. If d. told hhsnce dherge resultYhg Ttan tfhe X1-don of Your pedodc rete(al is lass tan $0.50, we with subtract tat amour from the $0.50 miuimun and the difference, will be purt3aw sa?rhaht of your account. billed m the t d. Temparary RedMlon ih Flmrae Charge. We rewty the blape =.A-. ?mhall awew mil a all Wwnce, charges for any given 2. A' it! Imaksdirhg New p rdaoeal. a. Finance large is calalated by multiplying the daily balance of each segment of your accost (e.g., cash advance, purdow, [pedal transfer, and special purdaw) by the marespondng doily periodic rate(s) that has been previously disclosed to you. At the end f each day during the billing period, we apply the dagy period. ref A. each segnera of your accent ro the daily balance of each eme results of thew daily lcalcletore sto?? n o up th o to arrive at the total peyour r?eaula fromfrom each?wginart riodic finsnce Marge for your account. To get the daily balance for eachwginert of your ax:ont, we, eke tine beginning balance fa each aegilaaN arc add any new traraapdats arc my perki Alliance, flange ml%&= m to preyfas day's balerm for that segnhem. We then subtmet any peymerua or Breda pa.ted as of tat day that are allocated to tat segment. This gives its the separate dally balance d the for each segment of Ya , aa:uut. However, IT you New Balance shown an your preNa® sa[anhorht in (or if your new balarco was zero or a credit a neuri), new trarmcdaa wtidh pea to yaw purchase or special purchase the e avea are not added , the ding bdah y calmoes average duly balah by adding the the daily baaces the and di the s the sun by by de number of the days in n the artat being ing cycle. To calculate your teal fiance doge, a And Vour new ber doe, dab bed by the daily odicme end by the amber of days in in the bilfirq pe Due to broundling etween an e deity basis, there may be a .Nigro vedanhce betweerh lfhis celalatlm and the atrhotlht of finance derrge actually ameseed. b. If the code Z or N appeam m to from of this sutemem nee to 'Baance Rme Applied To,' we mLddPIV the 547225 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3;00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 4 ESPECIALLY FOR CAPITAL ONE® CARDHOLDERS HAROLD M STEENBURG, You can now enjoy your new car, and take advantage of hassle-free financing! CapUa1QW° Auto Finance- Private Reservation Number: 74058389-04316 N N N n O You've been pre-selected for financing of up to $30,000, plus... No dealership financing hassles No application fees No pre-payment penalties No dealer credit checks HAROLD M STEENBURG, 200979 Page 2 of 2 As a select Capital One' cardholder, you are invited to take advantage of a very special offer from our auto financing subsidiary, Capital One Auto Finance." This special offer allows you the luxury to walk into the dealership with your financing in hand - so you're a buyer, not a browser. Plus, it makes dealer credit checks and hassles over financing a thing of the past. Take advantage of up to $30,000 in financing and enjoy: • NO financing hassles at the dealership • NO application fees • NO pre-payment penalties • NO dealer credit checks Capital One makes it easy to respond. Visit us online at wwwcarfttnd.com or call us toll free at 1-800-304-4854. When something's this easy and convenient, why wait? Sincerely, GtZac _ .t ? J. Alan Berson Senior Vice President, Capital One P.S. Complete an application online at www.carfuwd.com or call 1-800-304-4854 today and move a step closer toward owning the new or pre-owned car you've always wanted! You pick out the car, and we'll do the rest! It's easy with Capital One. F'www.carfund.com -11 Visit us online at or call : F" 1-800-304-4854 Monday - Friday, 8 a.m. - 11 p.m. or Saturday, 8:30 a.m. - 7 p.m. (Eastern time) Private Reservation Number for HAROLD M STEENBURG: 74058389-04116 CspilaIiC. Have this number handy when you contact us. Auto Finance- Certain conditions may apply. This offer is nontransferable. Your credit history will be reviewed by Capital One Auto Finance in order to process your application and must pass scoring requirements. The amount of your financing will be based on credit and application crite'tia, Applicants cannot be in open bankruptcy. Minimum monthly income of $1,500 is required. Payment cannot exceed 18% of gross monthly income. Minimum down payment of $1,000 (in cash or with a trade or manu- facturers rebate) is required. Total amount financed must be at least $10,000. Loan-to-value restdcdoms apply. You must be at least 18 years of age. Applicants must have a valid street address within the United States at the time of contract. APO, FPO and PO. Box addresses are not eligible for this offer. Vehicle must be owned and maintained in the United States. Offer is valid for all models (1918 and newer) excluding discontinued vehicle lines and Daewoo. Term/mileage restrictions apply--see dealership for details. This offer is not valid for motorcycles, mobile homes, RVs, commercial vehicles and boats. This offer is not valid in AK, Ht and U.S.-dependent territories. Program restrictions apply. U 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 547225 569700-01 Walk into the car dealership with up to $30,000 in hand! Avoid the hassles of dealer financing and credit checks in just 3 easy steps: Let us know 2 Get your you're interested. approval letter. Simply visit us online at © or call YOUR PERSONAL RESERVATION NUMBER: 74058389-04191 Capffalow" Account S Previous Balance $1,533.69 Payments, Credits and Adjustments $146.00 Transactions $431.71 Finance Charges $21.71 New Balance $1,841.11 Minimum Amount Due $55.00 Payment Due Date July 26, 2003 Total Credit Line $2,000 Total Available Credit $158.89 Credit Line for Cash $2,000 Available Credit for Cash $158.89 At your service To ca Customer Relations or to report a lost or A.I. -rd: 1-800-903-3637 Send puymenn to: Send inquiries to, Attn: Remittance Processing Capital One Service Capital One Servaar P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 N v PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 MAY 28 -JUN 27, 2003 Page 1 of 2 Payments, Credits and Adjustments 1 19 JUN PAYMENT RECEIVED -THANK YOU $146.00- Transactions 2 04 JUN SHEETZ #288 DUNCANNON PA $10.65 3 06 JUN MEDCO HEALTH FAIRFIELD FAIRFIELD OH 15.00 4 06 JUN MEDCO HEALTH FAIRFIELD FAIRFIELD OH 135.00 5 09 JUN SUNOCO BLOOMSBURG PA 15.40 6 10 JUN TA #212 BLOOMSBURG BLOOMSBURG PA 97.99 7 16 JUN APPALACHIAN MOTOR INN CARLISLE PA 55.08 8 17 JUN APPALACHIAN MOTOR INN CARLISLE PA 27.54 9 27 JUN CAPITAL ONE MEMBER FEE 59.00 10 27 JUN PAYMENT PROTECTION 1-888-527-6904 16.05 Can 9 million hungry kids inspire a nation? It's inspired Capital One and America's Second Harvest, our country's largest domestic hunger-relief charity, to build an online food drive. On June 5, 2003, National Hunger Awareness Day, and throughout June, you can help feed hungry children and their families by supporting the online food drive at www.secondharvest.org. Finance Charges Pka a Fee revere tide for important information Bad rate Periodic Carreding .gytirdro rate rcff l:t1Rtt PURCHASES $1,153.45 .04082% 14.90% $14.60 CASH $562.03 .0408296 14.90% $7.11 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. 1a1CW 0000000 0 5178052200670905 27 1841110146000055007 New Balance $1,841.11 Minimum Amount Due $55.00 Payment Due Date July 26, 2003 Total enclosed $ Account Number: 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 111 u14s Richmond, VA 23276 P4asrpriat mailiagad?rrra r-maitr/nmgrr br! -me bl orbtackiesk Street Apc 4 City Smm ZIP Home Phone Alm- Phone #9017956678636510# MAIL ID NUMBER aaaaRNORP HAROLD M STEENBURG 729 SOUTHERN DR Head to the dealership! 3 ?-+ CATAWISSA PA 17820-8412 Monday - Friday, 8 a.m. - 11 p.m., or Saturday, 6:30 a.m. - 7 p.m. (ET) F Plexe write yaw xcount number on yow check m money mde made payable to Capital One Bank and mail in the enclored envelope. Go buy the car you want with no worries or hassles! You've been pre-selected for up to $30,000 in financing. IF NO financing hassles at the dealership • NO dealer credit checks or NO application fees or prepayment penalties Apply online at www.carfund.com or call 1-800-304-4854 today and take a big step toward owning the new or pre-owned car you've always wanted! Private Reservation Number for HAROLD M sTEENBURG: C]- -did.. may apply Thu A. is no mf-b4e. Your uafi, hhmry will be revie ved by Gpitsl One At. Fiance. mark m pratsr yma apph.,i.o and awn pso ...mg scysdsam-'Ils: -&,-, financing will he had on ,&,t =d ppli- 6,6, Applk mu ovuu, be in opera bankmprcy. Minimum mouahly inmmc of 51,500 i, tryui.a 1. Nymrn, cannot ---d 18% of loon nwndily ivmmc. Minmum Jnwn p.ymrnt off 1,000 (e rub nr wick a made or manufaaura s rcbauel is ,eyuisaL Tout aowunk finmkeJ mar bi u katt 110,000. Io.v-ro-rdluc nstricriaa apply. You morn beat leas, I B yran of age. Appliance rout hive a valid sv«u address cahoot the Umnd Srarn u the time of mnvut. APO, FPO rid PO. Boa addsesea ere n« eligible for Chu ofiec. Vdiiclc murz be owned sal maiobined iv rice Uuiud Stun. Offer u v.fid far all nudely (t99N u,d newer) ada.ding di,conunued vehicle Iv,a mJ U.ewoo. Termlmtiage mrrurivn, apply - su del-hip for Jeuila This nf5:, --,did ( mororcnles, mob8. h.-, RVs, wmme,dal vebida and hon. 7,4 uR u ew, wlid in Ax, HI uul C.S.-.Iepcndem suriwnea I'wgum ievicuaas apply ® 2003 Caplan Or,e Servim, luu C.pisd One u a feJeully ,g k-d servim nu,k. All righu -ved 8 O N Please call during the hours of: 74058389-04191 Monday- Friday, 8 a.m. - 31 p.m., or Saturday, 8:30 a.m. - 7 P.M. (Et) Have this number handy when you contact us, periodic rate. To obtain the average daily balance for the hillirq period covered by this aamm:1 we its the begimng balance of each s Fvt each day, add any new transactiorm to cach aegnont, and subtract any paYmmta or credits. (11 the code N appears on the from o1 this statement ext m "Balance Rate Applied To,' we also subtract any unpaid trharhce charge irdutded in the belarhce of each aegmem.) This gives ua the daily balarce ai each segmam. TTherL we add up dl the dally balartea fo each segnem for the biti, period and divide by the total number of days In the billing pedod THS gives us the avenggee dally baance of each segment. 3. Nsa?l P?oatsye Ryas IAPRI• a. The term 'Annual Percentage Rate' may appear as 'APR' an the imam of this ststamem. b. If the code P (Prime), L (3-mo. LIBOR), C (Cenificate of Deposit), or S (Bankcard Prime) appears on the front of this satiation nee to the periodic ratels), the periodic rates and wrtwpaaicg ANNUAL PERCENTAGE RATES may very quavery end may increase or decrease based on the stated ncdces, as farad in The Wall Street Jownitf plus the margin pp viou ly dhecloaed to You. These Merges will be effectlve an the flat day of your hillkg padod covered by you, periodic atetemem ending in the m-the Jaxsry, pril, Jtiy and October. c. If the code D (Prime), FAM.J. LIBOR) or G (3 me. LIBOR Repriced Monthly) app ¢8s on the from of your mat earn rhert is the P"' rate(s), lice MT ramp end wrreawrhdrs ANNUAL PERCENTAGE RATES may vary maNiy and may increase or decrease be. on the stated indices, as ford in The Wall Street Jeumal, plus the margin pmviosly disposed to you. These changes Will I efiectlve on the first day of your billing period each month. 4. As»srrrrd of Late, Ovarlrrlt red Raanad Paynrrt Tau. Your accent will be assessed no mom than tyro of the feea lined hem that occur during any billing period. Under the terms of your customer agreement, eserve the Fight to waive or not to assess any tees without pdon rotificatim to you withan welting our right to assess the same om similar feea at a later time. 6.1Rrrwvkhg you Aomut- If a membership foe ppeam m the from of this statement, you have 30 days tram the date this statement was mailed to you to avoid paying the fee or to have such fee credited to ya+ If you tercel your accent. During this period, you may continue to use your accent without having to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Depanmmt arid pay your New Balance' in full (excluding thePerio membership tee) prior m the end of the MnY-dld. 8. N you Close Yam Aooeoist. You can request to dose yyoouur account by calling our Custmer Relatloner Uapanment. You must destroy Your credit card(s) and account access checks, canna all preaufadzed billing, and cease uslmg ywr account. If you do not cancel pre euticrized billing artai=,nta, wa will consider recap, of a charge your autherzebon to reoppen aeraurtt. AdditiaallY, Your acearht will not be closed until yw pay all amounts you owe tie including: any transsmiors you have eulhorizad, finance charges, past pus oea, ovedimit face, returned payment fees, cash advance feea end any other feea sssessed to your account. Yw ere respoubie tar these amounts whether they appear accoun et the time you regte9l to class the ..=1r they are Incurred xtbeequem to your request m dose the aaxunt. This may result in chertpa eppesting an your account after you have your eccartt if i has already bead dosed. For example, if yw autedzed a purchase from a mereham and we receive the transaction, from the merchant after your ecceux has been dosed, your .=will be reopened, the amount of the charge will be added to your account, . If there is a and yyoouu will be responsible for payment membeuhip fee far your ecwurt, the fee will d-drta to be Mamed , to the extent permitted by law, until the imcaura balers rr sea been paid in fill as defined above. 7. U>rrg You A.ow-t.,Y,- card or accarn --I be used M canrhacromi with any ktemet gambling trasacdas. 8. Nodes About Elaabone Chaok Conversion. When you provide a dock as peyncera, you auh . us either to use Information from you Meek to meke a ors-time electronic fund transfer frortc you bank acco na or to prowss tole peymem as a check treraniation. When we use infommtim fran you check to make an elactrorho fill transfer, hrds may be wddrawn from your bank account as nom as to same day we receive yarn r firofirrercial ire twit n. meow yarn Mack back from not BILLING RIGHTS SUMMARY (In Casa Of Enom; Or Questions About Your Bill) If You think your bill la wrong, or it you need mare Information on a transaction or bill, write to us on a separate sheet as anon as possible at the address for irpul'k. ahovvth on the tram of his statement. We must hear from you no later than 00 days after we soar, you the fire[ till on which the mmr or problem appeared. Yau ran call cur Customer Relation nun6er, br doing so will rat serve your darn. n your letter, give us the fallowing nfomutiom your Theme ford accord camber, the dollar emaun of ===M, a description of the ertor and an e?of gm n believe there is an error, or if you reed more Intonmetlan a descdPdm of the imm you are unsure abort. You do not he- to pay any amount in question vela. we are investigating h, but you re still obligated to pay the pans of your bli that are rot In question. While we Investigate your question, was cannot report you as delinquent or take any action to collect the amount you questim. 1,t Special Rule For Crop Card Purchases If you have a pror with the quality of property or services that you purdased with a credit cam and vm have tried In good faith to cormct the problem with the merchant, va may have tie right not to pay the remaining am- due on the prapetry of serAces. You have this pram any v,tw e purcase prde was more than x50.00 aM the ,=., as merle in your hone sate or vMNn 100 miles of your mailing address. (If we own or cep a to merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all correspondence. t Does net apply to coisumer race-credit card -c-arts I Does rot apply m business aan-credit cell accounts One supports; information privacy protection: see ar n at www.w talone.cam. One is a rang registered service mark of Capital uncial Corpaagat. All liana reserved. 0 2003 One OILGLBAK te. 01soa Period. You will have a lairdmtrn grace riod of 25 days without finance ch.- m new purccaspees, row balance tra i fora, nevv special pumhaeea and rew other Margss if you pay your total 'Now Belance", in acwrtlance vvhh the eportem Notice for payments below, and in time or it m be credited by your now eretemem dosing date. There a ro grace period m rash advances and any t trernafem. n eddtanc, there la ro grace Da1ad on, arc ralBBLtion If you do rot pay the total 'New balance b. Aoonulrg Fkrivoe Charge. Transactions vvMch am net ablea to a grew pared are assessed 11 rwe charge 1) from the date of the trareactlon or 2) from the date the transaction is processed to your Asmuht at 3) iron tlhe first calendar dey of the :,nest billing period. Aridti_.Y. if you did not pay the 'Now Balance' finer the previous oiling period in lull, finerce carped mntlnue to scene to Your upend balance udl tie unhpsid betarce is paid is fill: This means that yap mayy sti1 owe finanw cirargu, avm of Vnti pay Ina entire New Belahw indicated m to font of you aatemem by the nna ==p osing date, but did not do so or the Prevbus raitl flraroe tlaBIes bided to the apppplNicable segment of your AcrauH. t c. %trbarn Fireves C7hsga. Far each a.`.b period that Dean[ is ea ro e finance cola t el RN4NCE (%VaE of 50.50 will 6e?irrhpoeed. the tout flrara. cage maltlrp from tM ,%Icatlon of you s) h less than 30.50, we will abt""s thorn perndid ore,)_,X=V752 amours, tram the $0.50 miimtrn and tits differarw will be billed to the purdrme sdg? of yam eaxauht. td. Temporary Reduohim Yr F.=. tlrrga. We reserve lice dart to not assess any or all finance charges for any given billing period. 2. Averapa Dady ealrwe IlnaYtad Now Rrahdusl. a. Frarse charge is calaiated y multiplying the daily balerce of each segment of yam ecoarx (e.g., cash advance, purchase, special transfer, and spacial purchase) by tole wmsspadng deny pedafc =' s) tat lad bear prevouly dsessed a you. At Uie of aeM day during the billing padai, we, apply the daily periodic rote or each xgnant of yam account to the delinbpdamceof each segment. resits of tleat the and of the bill de daily calculations to arrive at add up the marealts from each degmem t? sogment. We 8 up et the total periodic finance charge for your account. To get the, deay balarhce for each segnos, of your accost, wo take the begireg balance far each ;=and add anyy new trerhssctlons and erry ppaerodic firanca nrierge cakalaad on the prevos day's balance fo that segment. We than sbtrect -Y paymoxa or cradta paned are of that day that are allocated m tat aegmert. This gives us the separeta daily balance d he o each s gnat of you account. However, if you gri(a hisw Balance alnwn an yam pmA_ statement in fill t yam Maids- wu tam or a credit amours), row rensectias whits pot u your purchase or special purchase sagmiohs are rat added to the daily balances. We calculae the averege da 1Y balace by adding a1 tic daily belancea togetsr ad dlvidrg dhe sun by tie nutter total the days in the current tiling fie. To aid.... your to fircence charge, multdY ywr avenge daily _=1Y the daiy pedodo rote and by to ember of days ang pedal. Due to roucding m a dally basis, [tam may be a slat varance lretsveac the calculation and the amours, of flnsrca V?, actualy assessed b. If the c,V?, fe 2 or N appeal on the from of this sutemmt next to 'Balance Rate Applied To: vvm ntbiply thb .`.. 461595 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 4 HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 CAPITAL CONVENIENCE CHECK 70044 68-677/510 200884 Date Expires 07/30/03 $ 200.00 n• 7004L.0 1:0 5 100 6 7 781:7 i0 2 20067090 5i1' Page 2 of 2 Enjoy greater flexibility with the attached Capital Convenience Checks An additional and easy way to access your account RE: Your account number ending in 0905 HAROLD M STEENBURG, We consider you a Capital One' Preferred Cardholder. To show you our appreciation, here are two Capital Convenience Checks' for you to use any way you like. Use Just like personal checks Why should I use Capital Convenience Checks? You'll enjoy easy access to your credit card account with your two convenience checks, which you can use for cash and at locations credit cards are not accepted. You'll notice that your first check is made payable to you. Deposit it into your bank Don't wait! account and use it like cash. The possibilities for the other check are endless-take Your checks expire 07/30/03. a weekend getaway, buy new clothes or give as a gift-the choice is yours! These checks have the same APR, credit line and transaction fees as your cash advances. Just be sure the amount of your checks doesn't exceed your available cash credit line. Thank you for choosing We hope you'll find your checks an easy, convenient way to use your Capital One account. It's our way of saying thank you for being a Capital One Preferred Cardholder. h Cahalo/l? a Sincerely, Preferred Cardholder Relations: Customer ?G?--- (800) 903-3637 www.capitaione.com Robert M. Alexander Senior Vice President, Capital One m P.S. Don't delay! These Capital Convenience Checks expire 07/30/03. a Take advantage of both of them today! *Please see the reverse for the terms and conditions of using these checks. 200884 HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 To The CAPITAL CONVENIENCE CHECK W ¦ C413Orle' Richmond, VA Memo Cardholder 70045 68-677/510 200884 Date Expires 07130103 SQ Dollars 07004SO i:05i00677i31:710 2 2006 7090 511• CalfWdlOW Richmond, VA Memo Cardholder -; M 0 M a a r a 0) M M O n a 0 O 0 O z 0 M N M M O O O 0 O z a 0 M i co M :E a om m O N aD 11 ; a v Z0 D S r _N Z O' 42 CO cm 1r OzF c? M= * fn z m Answers to your Capital Convenience Check questions Q: What interest rate will apply when I use my convenience checks? A: You will receive the same APR as you have on cash advances. Q: Is there a transaction fee? A: Yes, there is a transaction fee for using convenience checks. The fee is equal to your cash advance fee. Please see your account terms for fee information. Q: Can I really use my convenience checks any way that I want? A: Yes, you can use your convenience checks for just about anything-whether you're shopping for new clothes, enjoying meals out or just want to have cash on hand. Q: Where are convenience checks accepted? A: Convenience checks are accepted wherever you normally use your personal checks. You can even use them at locations that don't accept credit cards. Q. Will my convenience checks ever expire? A: Yes, the expiration date is printed at the top of each convenience check. So use them now for greater financial flexibility! m z 0 0 N S a M * Important information regarding your checks: A Convenience Check will be treated as a cash advance according to the current terms of your Customer Agreement and any amendments to it. However, it may not qualify for any rewards programs. The attached checks are subject to cash credit availability, so you must have the available cash credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your account, and it may not be processed if your account is restricted in any way, past due or in collections at the time it is processed. If the credit is unavailable or your account is not current, as stated, your check will be returned unpaid and you may be assessed a returned check fee. These checks cannot he used to pay down or pay off any Capital One account. Cashing these checks will qualify as using your account. All other account terms and conditions remain in full force and effect. © 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. M M O M a n a m a M co 0 M 0 O T O O M z O M N M O O O 46159S 0 O z a O M 1 m M 33 M In 0 O N as z n.1 z 0 gx N_ z 0 CA Z m C m -4 r, z f C m = „ N z m m z O O x N X M M First 3 months half-price a month; 4 7 $9.95/mo. thereafter SIGN UP TODAY: ' 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral 003 peoplepu online ? A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerTM Spam Controls Smart Dialer } Phisher Security Internet Call Waiting Caplrtali0Wa PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 JUN 28 - JUL 27, 2003 Page 1 of 2 Account S Previous Balance $1,841.11 Payments, Credits and Adjustments $55.00 Transactions $74.41 Finance Charges $23.11 New Balance $1,883.63 Minimum Amount Due $56.00 Payment Due Date August 27, 2003 Total Credit Line $2,200 Total Available Credit $316.37 Credit Line for Cash $2,200 Available Credit for Cash $316.37 At your service To caB Customer Relations or to report a lost or stolen Deed: 1-800-903-3637 Send Payments to: Send inquiries to: Attn: Remittance Processing Capital One Service Capital One Saviom P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Payments, Credits and Adjustments 1 25 JUL Cap 1 ElectronicPhonePmt AuthDate 25-JUL $55.00- Transactions 2 03 JUL LAQUINTA_CHARLOTTE #06 CHARLOTTE NC $48.00 3 25 JUL PAY-BY-PHONE FEE 10.00 4 27 JUL PAYMENT PROTECTION 1-888-527-6904 16.41 Finance Charges Please me revffie ride for important information N Bda-rmre Periodv Carrmndmg FIIVAN ,yop/irdfi >af, AP ??;?t-t]AAIxj a PURCHASES $1,358.18 .04082% 14.90% $16.63 CASH $529.55 .04082% 14.90% $6.48 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. ?owl 0000000 0 5178052200670905 27 1883630055000056001 New Balance $1,883.63 Minimum Amount Due $56.00 Payment Due Date August 27, 2003 Total enclosed $ Account Number. 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 Richmond, VA 23276 P4maprimt mailimgad&--41- e-mci(eAmeger bvlam .,V Rorbl.,k ink meet Apt Y UW 8- ZIP Home Phone Alw-w Phone #9020856678636517# MAIL ID NUMBER T HAROLD M STEENBURG N 729 SOUTHERN DR CATAWISSA PA 17820-8412 r Please tariteyour aunt number on your rbak or money order madepayable to Capital One Bank and mail in the endwed envelope. peoplepcta online %---11 A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online 9WMN df seRlWWNd at $4.97 a month; $9.95 a month thereafter. Offer available to new chili l9 stgOTMIDAwt toears of age and may not be redeemed with any other offer. Offer subject toAFAM'Sh tilt. MAoh?yc ypport available for $1.95 per minute. For questions, call toll-free at 1-888-5TRYNOW. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dii numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service: actual speed may vary. 0 2006 PeoplePC Inc. All Rights Reserved. PeopIBPC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 O O al¢p I N N apenode rate. To obtain the average daily balance for the b.fil Period cevered by this netemert, we take the beegimng balance of each segment each day, add any new transactions to each aelrtent, and subtract any Payments or credits. (If the code N appears on the front of this statement next to -Balance Rate Applied To,' we also ablract any unpaid finance large included in the balance of each se segment. This gives us the daily balance of each segment. Then we add up ell the OaNy belarcea for each segment: fo?he bull; period and divide by the total age dally balIn I billing ame of -c hp segmenThis t. gives us the 3. Amtd Proer age Rrts CAPRI. a. The tent 'Amos Percentage Rate' may appear as 'APR' on the front of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), Or S (Bankcard Prime) appears on the from of this statement next to the periodic rate(s), the do pedc False and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based en the stated ihdicee, as toad in The Walt Sheet Jauaal, plus the marginp Covieusly declosed to you. These derma VviN be effective M the that day of your in period jwmd by your pedOd i c sutemem ending n the monthe osin ary, April, July and October. c. If the code D (Prime), F 0-mo. LIBOR) or G (3-me LIBOR Repriced Manny) appears the from of your nelanan next to the Periodic rate(s), the periodic Islas and cenreaporndlq ANNUAL PERCENTAGE RATES may vary monthly arnnddmey increase or decrease based on the stated indill as found in The Wall Street Joumat, pus the margin previously disclosed to you. These changes will be effective on the first day of your billing period each mash. 4. Awpnnrt of Late, OvaNrrit srd Raelrned paymeit Fees. Your accent will be assessed no more than [vve of the fee. listed hem that incur during any tilling period. Under the terms of your custaner agr anent, serve the right to i or not to assess any fees without prior notification to you without walNrg our right to assess the same or similar fee ate leer time. 5.tAerhevhlp Your Aceo M. If a memberrhp fee appasm on the Iran of this statement, you have 30 days from the date the statement was mailed to you to void Paying the fee or to have such tee credited to you if you cancel your accent. During this period, you may continue to use your amount without heving to Pay the membership fee. To camel your amount, you must notify us by calling our Custaner Relations Department end pay yyour'New Balance' in full (excluding the membership fee) prior to the end of the th nY-day period. e. If ye" Close Var Aeoartt. Vou ten repast to dose yy?ou account by calling our Custaner Relators uepartmont. you mu=-%T, r aediI card(s) and I access decpmewhorized billing, and cease using Your account. If you do rat cancel preauMolzed billing anangements, we will consider receipt of a charge your authorization to reopen yyour account. Additionally, your amount will net b dosed until you pay all amounts you owe us indudirg: any lu merviaa you hews authorized, finence charges, pan due fees, overiimit tees, resumed Deymem fees, cash advance fee. and any ether tees ,messed to your account. You are responsible for these amouma whether they appear on your accent at the time you request to close the accent or they are Incurred subsequent to your request to dose the accent. This may result in charges appearing on your accent after vou have your acco rut It It ma already boon dosed. For example, if you auderized a purpose from a merchant and we receive the transaction from the ..Feb.. after your aceautt hen been dosed, your account win be reopmed, the amore of the large will be added to your account, and you va be reaparehble for payment. If them is a membership fee for your accent, the fee will continue to be charged, to the extern pemined by law, until the 8-OL- balance has been pad in fill as defined above. 7. Usig Your Atoeaad.Yotr card or account carnet be used in connection with any Internet gambling tmneactinne. 8. Nstloe About n .1reldo cheek Cerwersln. When you provide a check as payment, you authorize us either to use Information from yo it check to make a one-time 01W,romi find transfer from your bank accost or to process the ppssymelht as a tleck transaction. When We use information from yar tack to make an elervanic find transfer, finds may be withdrawn from your bank amount as seer as the same day we receive yar payment, and you will not receive your Mack beck fran your financial ireti¢nion. BILLING RIGHTS SUMMARY (In Case Oi Eno, Or Questions About Your Bill If you think your bill is wring, or if you need mom nI=-tI( , a tramectim or bill, write to us on a separate suet as soon as possible at the address for rgunas shown On the iron of this statement. we must hear from you no later than 80 days after we sum you the fist bill on which the error or problem appeared. You can call our Customer Relations almhber, but doing so will rot preserve your rights. In your letter, give :the idlowing information: your fame and accent nun her, the dollar amartt of a description of the nor and an a 0==;=.`e" , f why you believe there is n afro.; or if you need more info-at on, a description of the item you are unsure abort. You do rat lave Ian pay any amount in question while we are Investigating it, but you are still obligated to pay the pang of your bill that am net in question. While we Inwestigere your question, we cannot report you as denrnpsns or take any action to collect the amotni you queatien. I,t Special File For Credit Card Purchases IIM? a prOblere with the quality of property or that you purchased widt a credit card and you have tried in good faith to coned the problem with the merchant, you may hove the right rat 10 pay the remaining amain due on the property as services. you have Ws Pratection only when the purchase price was mom than 450.00 and eta Purchase was made in your home state or within 100 miles of your malifg addrem. (Ii we own or operate the merchant, or if we mailed yetithe advertisement for the property or services, all purchases afe towered regadem Of amOUfhl 01 IOtation of purchase.) Reese remember Ian sign all correspondence. t Dec. not apply to ransomer roe-credit card ecewNts f Does rot apply to business rat-cradle can accounts One supports information privacy protection: see Ot f I at www.captalone.can. One is a federally registered service mark of Capital appal Corporation. All rights; reserved. a 2003 One 01 LGLDAK T8- reraee Period. You will lave a minimum grace period of 25 day. without fimnee large on nevd p- asas, row balance Versions, new special purchases and rew other charges if you pay you total -New Balance', in accordance with the Important Notice for payments below, and in time for it to be credited by your matt statement dining da[e. There is no grace period on cash advances end special transfers. In addition, them is no grace period on any lmreection if you do rot pay the total -New balance.' b. Aaanig Fivers charge. Transactions which are net subject [o a grace period are assessed firance charge 1) from der date of the transaction or 2) from the date the trrrearcdon is processed to you Accent or 3) from the first calendar day of to current biNinp period. Addtioagy, if You rid not pay the 'New Balance Iran rite previous bilfirq period in full, finance charges catdrate to accrue re Your unpaid balance udl the unpaid balance I. pad in full. This means that you meyy Mid owe fiance charges, even if you pay the attire New Bdarte indGmd on the fret of your statement by the near, stnaltatt dosing date, but rid not do se for the previous month. Unpaid fives, charges am added to to apWcable ;;groat of y. Amarx. tc. Mandan n Rr- Gisrgs. For each billing period that your amount Is abject to a finance Marg;, a minimum total RNANCE CIAkRGE of $0.50 will be imposed. If the total firhace flange hraltlrg fist the apMkatlon of yyonuu perioefic rate( s) is kin. than $0.50, we wall subtract Uhetr arrant from the $0.50 minimum arid the dffershm win be tined to the gpdeeae segmert of your amount. td. Tempsam Redtrawh in FFaesa (rismga. We reserve the dt?t to rat assess aey or all firenc?e charges for any given 2 bl i period ihei?iha . Average ge Dany Balance cr I fi New Prah a. Rrame cage e is is calclated fry daily balance of each eegnem of your r amount a the the (e cash special cash advance, purpose, alp tr F and aped; purchase) by the corresponding dally aey thriods, e roe(s) that as been Previously c bull himed to you. . At he the end of each day during erg period, we apply the dell period; rate for each segment of your your account to the dally bdanhce of each Mons. Than at the end of to burg period, we add up the reacts of terse daily calculations to ardve at your periodic firarxa large for each segment. We =the results from fins each or segment our e count. arrive g the foal pe ala c rge our smarm. To gat the deNV balance balance err t aegn? of I. ac cant, wo take the beginning and segment t a acid any new tra sections my periodic fire charge calculated an the pmvious days b.1- for that segment. We than subtract any Paymam; ot credts Posted m of that day that am allocated to that segnert. This gives us the =-. dally balance =eat sag ,mx Of m r smart. However, if you paid the You previous statement in fill (or if your new balance was zem or a credit amount), new trasectios which post re your purchase or special purchase a;gnertts are not added to the daily balances. We calalate =ago daily balance by adding an the deny balances topetter and dvidng the a by to amber of the days in the aurae bu: eytle. urln To celoleta your teal finerce large, MUMMY Your average daily balance by the daily periodic rate and by the ember of days in the billing prided. Us to ranting an a daily basis, tare may be a alight variance between this cakafation and the amain of fiarsm cheap actually as ass ed. b. If the code Z or N appears on the from of this autemem next re 'Balance Rate Applied To,' we m ll der Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 11 CAPITAL CONVENIENCE CHECK HAROLD M 5TEENBURG 729 SOUTHERN DR ]OOG3 CATAWISSA PA 1782o-8412 68-20088677/510 4 4 Date P-Tn Thn n.d-nr 1107006allo 1:0 5 100 6 7 781:7 10 2 200 6 70 90 511• An additional and easy way to access your account Use just like personal checks Don't wait! Your checks expire 08/30/03. Thank you for choosing Capiftlo • Preferred Cardholder Customer Relations: (800) 903-3637 www.capitalone.com m Expires o8/3o%3 300.00 nnu,,.? Page 2 of 2 Enjoy greater flexibility with the attached Capital Convenience Checks RE: Your account number ending in 0905 HAROLD M STEENBURG We consider you a Capital One' Preferred Cardholder. To show you our appreciation, here are two Capital Convenience Checks* for you to use any way you like. Why should I use Capital Convenience Checks? You'll enjoy easy access to your credit card account with your two convenience checks, which you can use for cash and at locations credit cards are not accepted. You'll notice that your first check is made payable to you. Deposit it into your bank account and use it like cash. The possibilities for the other check are endless-take a weekend getaway, buy new clothes or give as a gift-the choice is yours! These checks have the same APR, credit line and transaction fees as your cash advances. Just be sure the amount of your checks doesn'r exceed your available cash credit line. We hope you'll find your checks an easy, convenient way to use your Capital One account. It's our way of saying thank you for being a Capital One Preferred Cardholder. Sincerely, Robert M. Alexander Senior Vice President, Capital One P.S. Don't delay! These Capital Convenience Checks expire 08/30/03. Take advantage of both of them today! *Please see the reverse for the terms and conditions of using these checks. 200884 CAPITAL CONVENIENCE CHECK HAROLD M STEEN BURG 729 SOUTHERN DR ]0064 CATAWISSA PA 17820-8412 68-677/510 200884 0884 Date Pay To The Order Of COPItal(DIW. Richmond, VA Expires 08130103 Dollars Cardholder 1107006411• i:0 5 1006 7 78r:7 10 2 200 6 70 90 511' ¦ One' Richmond, VA Memo Cardholder Q O z D O M mm D ? m 1 o n: T O M D D D L Z0 O S _N 2 f7 1 Z m cm 1r z c a W = * N r_ z m Answers to your Capita! Convenience Check questions Q: What Interest rate will apply when I use my convenience checks? A: You will receive the same APR as you have on cash advances. Q: Is there a transaction fee? A: Yes, there is a transaction fee for using convenience checks. The fee is equal to your cash advance fee. Please see your account terms for fee information. Q: Can I really use my convenience checks any way that I want? A: Yes, you can use your convenience checks for just about anything-whether you're shopping for new clothes, enjoying meals out or just want to have cash on hand. Q. Where are convenience checks accepted? A: Convenience checks are accepted wherever you normally use your personal checks. You can even use them at locations that don't accept credit cards. Q: Will my convenience checks ever expire? A: Yes, the expiration date is printed at the top of each convenience check. So use them now for greater financial flexibility! m z 0 O M U) 2 m D m * Important information regarding your checks: A Convenience Check will be treated as a cash advance according to the current terms of your Customer Agreement and any amendments to it. However, it may not qualify for any rewards programs. The attached checks are subject to cash credit availability, so you must have the available cash credit on the day Capital One processes your check, Check acceptance is also subject to the current status of your account, and it may not be processed if your account is restricted in any way, past due or in collections at the time it is processed. If the credit is unavailable or your account is not current, as stated, your check will be returned unpaid and you may be assessed a returned check fee. These checks cannot be used to pay down or pay off any Capital One account. Cashing these checks will qualify as using your account. All other account terms and conditions remain in full force and effect. © 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 461725 O O Q O z M O D m? m Dy m 1 om T O Q) D Y T ; D ? Z O 0 9 _y 2 O 0) 2 mAM c -i r- 00 c 1 m = * to r m m m z 0 O M N 2 M D M • First 3 months half-price 003 peoplep• online * %11? A better way to Internet. 1 97 4 PeoplePC Online offers the features you would expect from higher-priced Internet Ser i a month; v ce Providers at half price for the first 3 months! $9.95/mo. thereafter ® Email Virus Protection ® Pop-Up BlockerTM" Spam Controls SIGN UP TODAY! D 1- 1 0 877-778-1207 HAROL IM STEENBURG 5 Mention Offer Code: JADE 5 220067 0 P4A%d" 1N DR Or vi sit www.peoplepc.com/go/jade Fl?ii?Wl?S?aIP1BV??p 6412 Capital o W® PLATIN UM MASTERCARD ACCOUNT JUL 28 - AUG 27, 2003 5178-0522-0067-0905 Page 1 of 2 Account Summary Payrnents, Credits and Adjustments Previous Balance $1,883.63 1 27 AUG Cap 1 ElectronicPhonePmt AuthDate 27-AUG $113 16- Payments Credits and Adjustments $148.16 Transacti . 2 27 AUG PAST DUE FEE CREDIT 35.00- ons $409.50 F'mance Charges $37.63 Transactions New Balance $2,182.60 Minimum Amount Due $65 00 3 28 JUL Rtn ElectronicPhonePmt $55.00 . Payment Due Date September 27, 2003 4 30 JUL PAST DUE FEE 5 35.00 30 JUL CASH ADV. TION/SNI ( CA CARLISLE PA 300.50 Total Credit Line $2,200 6 27 AUG PAYMENT PROTECTION 1-888-527-6904 19,00 Total Available Credit $17,40 7 27 AUG CASH ADVANCE FEE - - FINANCE CHARGE 9.02 Credit Line for Cash $2,200 Available Credit for Cash $17.40 At your service To call LLstomer Relations or to report. lost or holm card: 1-SW-903-3637 Send psym-ts to: Send inquiries to: Attn: Remittanm Processing Celntal One Services CapitalOneServi- P.O. Box 85147 P.O. Sox 85015 Richmond, VA 23276 Ridtmond, VA 21285-5015 Important Account Information Did You Know? Capital One offers more than just credit card products. With more than 47 million accounts, Capital One provides valuable financial solutions- including auto loans, personal loans, CDs, money market accounts and more- to one out of every three homes in the U.S. N Finance Charges Pleme tee reverie tide for important informotson Balann rat pea. Carespaedmg g+o&deo rate fPR CHARGE a PURCHASES CASH $1,44233 .04082% 14.90% $18.25 $819.09 .04082% 14.90% $10.36 ANNUAL PERCENTAGE RATE applied this period 19.97% T PLEASE RETURN PORTION BELOW WITH PAYMENT. T Capttalow 0000000 0 5178052200670905 27 2182600113160065001 P/eareprint mai!'ugaddrcn acrd ore-mai/r(vrsgrr br! rsr:n6bf orblae4 i,rk New Balance $2,182.60 Minimum Amount Due $65,00 6tree Apt. P Payment Due Date September 27, 2003 City Snce ZIP Total enclosed $ Home Phone Alurnate Phone Account Number: 5178-0522-0067-0905 ,., #9024056678636510# MAIL ID NUMBER Capital One Bank HAROLD M STEENBURG P.O. Box 85147 729 SOUTHERN DR Richmond, VA 23276 = CATAWISSA PA 17820-8412 111111n11oil d1at1111u11nfile III I I IIIngill 111nd1u11 ItnlllntllnlntlJlLnLdtJttLttllnldttldLltnlltd Pleare rurifeyour account number on your cheek m money order modepayab/e to Capital One Bank and mail in the ene1wed envelope. peoplepcra online \__11 A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAYI 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoPlepc.com/gofjjade PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be Communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. `PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1-877-778-1207. Service not available in all areas. Access fees, takes, and other fees and restrictions may, apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 O m ri LIS N ppeeriodic rate. To obtain the average daily balarhce for the hillirq Period covered by this srawmem, we take the begnnng balance of each segment each day, add any new of Credits. to eadh segment, and subtract any yrnema or . Ulf the code N appears on the frond olPthis minestrone next to'Belance Rate Applied To,' we also attract any urpeid finance charge included in the balance of each ggatmee ) This gives us the daily balance of each segenant881 en, we add up all the daily balance. for each worco of for the billing period and dNde by the total number days I billing period. This gives us the 3. {used =.= gee dally balance of each segment. Rates IAPRJ. I. The al Percentage Rate- may appear as APR' m the inert of this satemem. b. If the code P Wilms), L (3-mo. LIBOR), C (Certificate of Deposit), OF S (Bmkcard Prime) appears on the from of 'Ns statemoa next to the periodic raters), the periodic rates and cortesporhdng ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the stated irdicea, as found in The Well stmt Javaal, plus the margin pPreNoudy disclosed to you. These Changes will be ettBCdve on the Am day of your billing period Covered by your %dodc state-m ending in tie mo mhs January, Apol, Jul and October. c. It the Code D (Prime), F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appeera on the from of your nem-m! rota to the pedodc rate(s), the periodic win and cormapondirq ANNUAL PERCENTAGE RATES may vary monthi . enMdmay increase or decrease bead an the stated indcea, a. ford in The Wait street Joaaal, pun the margin previously disclosed to you. These danger will be effective m the first day of your billing period each moth. 4. Asmsmru of Late, Overti It and Rahned Payrrtat Fans. Your accent will be awarmad ne mom than two of the fees listed hem that occur during any billing period. Under terms of your customer agreement, - reserve the ri,he ; w waive or net to assess any }sea without prior notification to you vAthoun w.INng our sight to assess the same or similar ices at s later time. 5.tRanswitg Yon Anaast. If a membership fee appeam m the from of this statement, you have 30 days from the date this statement wee mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your account. During tNs period, you may corminue to use your account vAthan having to pay the membership fee. To cancel your account, you must notify is by calling our Cualamer Rdatios Depertmem and the our 'Now B' full foe) prioryto the rend of the 1Nrty-0ey period. membership e. R You floss you Account, You can request to dose your account by calling our Custaner Relation Department. You must destroy your credit card(s) and account access decks, cancel all preauthodzed billing, and cease uaihh9 your account. If you do not cancel pmauthodzed billing artergemenis, we will canider receipt of a char Fe your auMrizatim to reopen your account. Additiaally, your accent will rot be closed until you pay all amounts you owe us induding: any transaction you hawe auledied, finance charges, past due fee., ovedimit fees, returned payment le,,. cash advance fees and any other fees a.... to yor amount. You are responsible for these amounts whether they appear m your account at the time you request to close the accont or they are incurred subsequem to y r request to dose the accent. TN. may resuh in charge, armarino on vour account for era, have your accost if it has already been dosed. For example, if you attder ed a purcreee from a merdam and we race!- the transaction from the merchant after your account hen been closed, your account win be reopened, the amount of the charge will be added w your accova, and you wig be responsible for payment. If there is a membership fee for your accent, the fee will continue, m be cta , to tie snort pomtined by law, udl the ecmunt once has been paid in "I as deflned above. 7. u Using in cor?raAoooum.Yowr ction with card of account canon he any btemet gambling transactions. a. Nstlos About Me&. o Cheat, Owrvorsiwt. When you provide a deck as payment, you authorize us either to ,not infometion from Your Check to make is ere-time eleetr nic fund transfer from your bank account or to PMCees thepsymerx m a chock trmnactim. When we use information from your check to make an electronic fund transfer, funds may be =v&t urn from your bank accost as soon 49 thre same day we mcaive your payment, and you wa net (Z_ your CtX beck from your financial institution. BILLING RIGHTS SUMMARY (kit Case Of Errora Or Ouesdma Ahern Your BIIB If you think your NI I. -erg, or If you reed more niamar m m a transaction m bill, write to us on a separate sheet as soon as possible at the address for doe Ih r shown on the from of this statement. We must you no later than OD days after we sera you the first from bill on wfich the error or problem appeared. You urn cell our Customer Relations number, but doing ap will not Preserve your rights. In your latter, give us the following nfomaflon: your name and account number, the dollar Amount of de suspected ertor, a desoipflon of the error and an etptaroflon, ii possible, of why you believe there is an error; or if you need more Infomtation, a description of the ham you am unsure about. You do not have to pay any amount In question wide - are i-onigadng it, but you r all ob gated to pay the pens of your NII that are not `n question. WNIe - Investfgeto your queaflm, - cannot sport you as dearhquterm or take any action to collect the amount you qusetim. S,t Special Rule For Credit Card Purchases If you haves problem with the quality of property m Mc es that you purchased with a credit card and you Mvo tried In god faith to correct the problem with the merchant, You may have the dgm not to pay the remaining amour due on the property or aeMces. You have this Protection dNy %It- the Purchase price was mare than $50.00 and de Purchaas was made in your home state or within 100 miles of you maaing address. (If we oven or operate the merchant, or ii we mailed you the adverli.anant for the property or aeMces, ea purchastn are covered fegarde.a of amout o location of purchase.) Plea.e remember to sign all coutsim Bence. t Does tot apply to cosauaar sort-credit card accounts k Does rot apply to business non-aredd cold accounts One supports imotmaton privacy protection: ew our ? at yJaVW. 11o11e.Gam. One fie a (rally regsend service mark of Capital ardal Cotporatian. FUI right. reserved. 0 2003 One 01LGLBAK 1. How To Avoid A Fihanea Charge. t a. t?aoa Fenced. You will hasiteve a minimum grace period of 25 rata wid. Y will h pu baleree transfera, new .pedal purtheees eM other rgoo if ache You Pay total 'New Belarri in mNotice fer payment. blow, and in time for it to be credited by your next statement dosing date. Them I. ro grace period on cosh ad.- and special tmrrefers. In addition, them 1s he gece period any trarsactlon if you do rot pay the total 'New balance.' b. Aaeruig F(nahoa Chary.. Transactions wNCh are not subject to a grace period am assessed fwnce charge 1) from the date of the transaction or 2) fnm the date the transaction Is pro -d to you Account or 3) from the first Calendar day of site cw-_ baling period. Additionally, if you old rot pay de 'New Balart? hen the proNoua filling period n ktY, finance dargea cordns to .cons to your Unpaid balance until tats unpaid balance is paid in full. n if This means that you may stir ow=11=61701, you pay tM etrom New Balance Your staemat by the nets statement closing date, but did re do W for the Previous; mach. Unpaid finance charges tr.. iiiirnirn FYhrhes iieFaryy e?tNlYrq ?d?yod th?atyour account is subject w a finance charge, a rlNmun tad FINANCE CHARGE of $0.50 war be i mpaed If the total finance Ch. rasuldntP from the application of your period, tom(s) is leas den $0.50, we will subtract let amoum from the $0.50 mind- end the difference will be billed to the ptxdsae td. Tsrrpoary Rsduotlah ian aFglnh??ranota of youratxautt. pugs. We weerve the right to rot assess any or all finance charges for any given billing ppa?dod 2. Avaaga OW Bake nos Ikrakdiq Naw Purchases). a. France charge is calculated y multiplying the daily balance of each eag ant of your accent (e. g., cash advance, Purchase, special transfer, and special purchase) by the catespondng daily periodic rate(s) that has been previously dadoaal to you. At the end of each day dtdrg the billing period, we apply the daily periodic rate for Cis segna s of Your acoant to the dollyy baace of each sag rist Then at de end of de bZ pafod, we add up the male of these daily calculations to arrive at yax Periodic finance charge for each segment. We add up the results from each segment to arrive at the total periodic firoree tlerge fo your accent. To get the daily belartce blares f mten of your accent, we take the beginning and an dock met a add any new trarsectione Y Pe Charge Calculated m the previous day's balance for that :sprat. We than subtract any paymonts or cracks posted as of tfat ley cat ere allocated to cat segnertt. This gives us tie sepaate dally balance ==-f your ac , . However, If you ppaeid the shovm m your pro NOS statement in fuA (or If your new balance urea zero or a credit amoum), new trarsacdorre which Poet to Your purchase or epoch purdaae segmerce ore rot added to the daily bola We calculate the average daily baleree by adding all tnces. he daily balances together and dividing cis sum by the number of fit the a in the Current lasing cycle. To calculate your total sae, na/tiply Your average daily balance by the daily period, ram and by cis nsnber of days in the billing pedod ps m reading m a deny basis, them may be a m and the amour of slight v dance actually sesame& flronce b. If the code 2 or N appears on the from of this matanerm nets to '"a ere Rate Applied To,- we multiply the Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 4 CAPITAL PURCHASE CHECK HAROLD M STEENBURG 30330 729 SOUTHERN DR CATAWISSA PA 17820-8412 68-677/510 200877 Date Expires 09128103 Pay To The Order of HAROLD M STEE UR $ 200 00 Two Hundred and 00/100 . Dollars C OW Richmond, VA Memo Cardholder Signature 116&03&011' 1:05&0064781:8 6 5 2 200 6 40 90 511' Page 2 of 2 Enjoy this special Capital Purchase Check offer for Preferred Cardholders. RE: Your account number ending in 0905 Use purchase checks like personal checks! HAROLD M STEENBURG, Because you are a Preferred Cardholder at Capital One," we'd like to show you our appreciation. So, we're giving you two no-transaction-fee Capital Purchase Checks' to use however you'd like! Access your account quickly Enjoy easy access to your account with these checks, especially where credit cards are and conveniently! not accepted. Cover unexpected expenses, make home improvements, or even donate to your favorite charity. With no transaction fee and the same APR as purchases, you're sure to find plenty of ways to use them. The first check, which is made out to you, can be deposited into your bank account and used like cash. The other check is great for transferring balances from other Hurry! Your purchase checks accounts, such as retail or credit cards and loans. By consolidating debt into one expire 09/28/03. payment, you'll have fewer checks to write each month-and more free time for you! Just be sure the total amount of your checks and other transactions doesn't exceed your available credit. We hope you'll enjoy your purchase checks. They are our way of saying thank you for 7honkyou for choosing being a Capital One Preferred Cardholder! Capffalo ,ems Sincerely, A Preferred Cardholder • 7 Customer Relations: Robert M. Alexande (800) 903-3637 Senior Vice President www.capitalone.com P.S. Don't delay! These Capital Purchase Checks expire 09/28/03. Take advantage of both of them today! 'Please seethe reverse side for the terms and conditions of using these checks. 200877 CAPITAL PURCHASE CHECK 10311 HAROLD M STEENBURG 729 SOUTHERN DR 68-67 70 CATAWISSA PA 17820-8412 20008877 Date Expires 09128103 Pay To The Order Of $ Dollars >1OY18 Richmond, VA Memo Cardholder Signature 118&03&&11• 1:05&0067781:8 6 5 2 200 6 70 90 511` m O M D D r m M D m ca O D D O O T O O D z O D U) M L7 n n 0 O z D O M i N m :E 7) 22 M -4 om T 00 D D T D 9 Z O O 1 Z Z 12 M cM r z c i M= W y r Z M Answers to frequently asked questions O rn N Q: Is there a transaction fee? A: There is absolutely no transaction fee for using purchase checks to access your Capital One account. Q: What interest rate will apply when 1 use my purchase checks? A: You will receive the same APR you currently enjoy on purchases. Q: Can I realty use my purchase checks arty way that I want? A: Yes, you can use your purchase checks for almost anything- whether you're shopping for new clothes, enjoying meals out or just want to have cash on hand. Another way to take advantage of your purchase checks is to consolidate debt from other credit cards and loans. m z a O M N 2 m a M Q: Why would I want to use my purchase checks to consolidate debt? A: You can save money by transferring balances from high- interest loans, department store, gasoline and other higher- rate credit cards to your Capital One card. In addition, by consolidating debt into one simple payment, you'll have fewer checks to write each month. Q: Where are purchase checks accepted? A: Purchase checks are accepted wherever you normally use your personal checks. You can even use them at places that don't accept credit cards. Q: Will my purchase checks ever expire? A: Yes, the expiration date is printed at the top of each purchase check. So, use them now for greater financial flexibility! * Important information regarding your checks: The attached checks will be treated as purchases according to the terms of your Customer Agreement and any amendments to it but may not qualify for any reward programs. The attached checks are subject to credit availability, so you must have the available credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your account, and the check may not be processed if your account is restricted in any way, past due or in collections at the time it is processed. If the credit is unavailable or your account is not current, as stated, your check will be returned unpaid and you may be assessed a returned check fee. There checks cannot be used to pay down or pay off any Capital One account. Cashing these checks will qualify as using your account. All other account terms and conditions remain in full force and effect. © zooj Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 47246S n O O z D O M U) m D S m -? om T 00 D Y T ; D ? Z0 0a ?: a7 z .n mi Z W cm ?r 00 zF c -a m = rt y r z M M Z 0 O m mm a M Especially For Capital One" Cardholders) 5r^9°°-0, Genuine Leather -HELPS END PAINFUL PRESSURE ON TAILBONE, BACK & THIGHS! If ou drive for h f d LUMBAR y ours or are orce to sit in an j office or home chair for long periods of time, treat SUPPORT -= % our ba to the drous comfort of ou lux uriouskLUMBAR oSUPPORT CUSHION. CUSHION Designed to fit almost any auto seat, office chair or easy chair in your home, you'll feel the amazing - ' SIT IN COMFORT difference the first time you sit with it supporting m' muscles and back! The built-in lumbar FOR AUTO, OFFICE - -- I support helps relieve pressure on your lower back. And the padded side wings add extra comfort- CHAIR OR EASY CHAIR! especially when ,you're sitting for a long time. Helps Relieve Pressure to Soothe WU NOW ONLY Sore Shoulders & Aching Back Muscles ... Gives You Extra Supporter ?1 $19M Capital oW PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 Account S Previous Balance $2,182.60 Payments, Credits and Adjustments $65.00 Transactions $69.24 Finance Charges $27.77 New Balance $2,214.61 Minimum Amount Due $66.00 Payment Due Date October 27, 2003 Total Credit Line E2,200 Total Available Credit $,00 Credit Line for Cash $2,200 Available Credit for Cash $.00 At your service To call Cwtomer Relations or to report a lost or stolen card 1-800-903-3637 Smd payments to Send mquiria to: Attn: Remittance Processing Capital One Servioe Capital One Service P.O. Sox $5147 P.O. Bar 85015 Richmond, VA 27276 Richmond, VA 23285-5015 Important Account Information Did You Know? Capital One offers more than just credit card products. With more than 45 million accounts, Capital One provides valuable financial solutions - including auto loans, personal loanss. CDs, money market accounts and more - to one out of every three homes in the U.S. AUG 28 - SEP 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 18 SEP PAYMENT RECEIVED - THANK YOU $65,00- Transactions 16 SEP NCR 1-800-645-9430 #64333857 27 SEP PAYMENT PROTECTION 1-888-527-6904 $49.95 19.29 Families EARNING INCOMES UP TO $36,000 per year or more may be eligible for low-cost or free health care coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost or free health care coverage programs in your state. Congratulations on another year of benefits from National Card Registry. Your annual membership fee has just been renewed. The annual membership fee for National Card Registry has been automatically billed to your Capital One credit card so you can enjoy uninterrupted service. If you have any questions, please call the membership number listed above in the transaction section of your statement. Please continue to enjoy the savings and peace of mind that National Card Registry provides. Finance Charges Plecrte ree reverie ride for important information Bd-,rate Period. C rs?poonnding iAN yep6edeo rife APR I;HAljlil:. PURCHASES ;1,362.33 .04082% 14.90% 217 24 CASH $83105 , .04082% 14.90% $10.53 ANNUAL PERCENTAGE RATE applied this period 14.90% T PLEASE RETURN PORTION BELOW WITH PAYMENT. T Q-W ta10r7.e` 0000000 0 5178052200670905 27 2214610065000066007 New Balance 52,214 61 Minimum Amount Due $66,00 Payment Due Date October 27, 2003 Total enclosed $ Account Number: 51750522-0067-0905 P/arepr;nt-dl;nr Zh--d r-rr 1d nV"W ,v.rk1 orbi k;.k sleet Apt Y C,ty Stu ZIP Home Phone Altemate Phone #9027156678636515# MAIL ID NUMBER Capital one Bank HAROLD M STEENBURG P.O. Box 85147 Illnutlltllut?lntl N 729 SOUTHERN DR Richmond, VA 23276 CATAWISSA PA 17820-8412 htLhtlLttltlhtddLtlLttlltnllttPubJlndhnl6ttl ItttllLttlhrltttldllnthtltdttL?tlLdtLdtlLitttlitd Please emits yore -nt number on your check or money order made payable to Capital One Bank and mail in the erulared envelope. r Especially For Capital One Cardholders Money-Back Guarantee If You Are Not Completely Satisfied YESI Please send me die LUMBAR SUPPORT CUSHION. I agree to pay the price ALL ORDERS WILL BE SHIPPED TO THE SAME ADDRESS indicated below plus $5.99 shipping and handling for each cushion ordered. 100% Your name and address must be filled in below for your order to be processed. Satisfaction Guaranteed. If I am not totally delighted, I may return my purchase for a Name prompt refund of the purchase price less shipping & handling. P,rstawv tfw.. n;M, Lumbar Sup" Cushion ..........Only $19.95' PJ51 -SAVE $5.00! Buy two for .......only $34.90' 'SNpast and Inad hall no[ irclakd Appopime rater ux will be Wad It, NY a TN r 6&03 Account Number I Exp. Date / Cardbolder Signature (Wid Only WN6 Yell Si,-) r mataeve Capital One to f nvud thi, eagan om nay adultro ds company tam pnwhkx rid, pntua. Pkn aaaw a4 week, for &Ijv q. fifer g..l wWI, wppiiea iota For' Prue Swim Mao lac OrntBuyt)5,1,'° P.Q Bow 97A3, Central Islip NY 1172Y9BBfi 02003 G-d1kyUSA-, PO Box 9243, Canary I*, NY 11722-9ass Address City State- zip-Rome Phone ( 1 (A,a taal E-Mail Address erne, ter sm.a.4>rcw n. m.,..l,w,e „say aw rr.,na GreateuyUSA- is solely responsible for this offer, and is not affiliated w;th Capital Ore. Capital One does not provide, endorse or guarantee and is rot alNlated with any product or service stows tare. Any trademarks mentioned herein are solely owned by the respective entry. All rights reserved. By responding to this offer, you may be wrtlmunioadrlg irlformelion odour your to the company teal provides this product-for example, tlral you are a Capital Ore aWomer. D 2003 Capital One SwAcK Inc. Capita O s is a ledaralty registered service mark. Al dgtlts wAswid. and return in your Gainer One credit card payrnem envelope 8 O N N Wide rate. 7o-obtainth ot average daily balance for the hiring ppeeriod covered V this statement, we take the begimirq balance of each sepnem each day, add any urea- transactions to each 8eumem, and subtract any Payments or credits. (N the code IN .%vs on the frond of this statement nee 1. ' Balance Rata Applied To,' we also .Z., any repaid arose IT e M the bslmae of each segment.) 7NIs gives rte the daily balance of each aegmont. Then we add up all the daily balances for each asimara of dam inlllre h 111 od and dvide by the total ar ys rig period. TNa gives us the 3 ?? dally balance of each Segment. cartage Rates IAPRI. a. The term 'Amual Percentage Rata- may appear ea APR' on the iron of tNa stet ment. b. If the code P (Prime[, L (3-mo. LIBOR), C (Certificate of Depoef ), or S (Bankcerd Pdme) ap%are on the from of this statement rext to the Periodic reels), the periodic rates and cerreapordinq ANNUAL PERCEMAGE RATES may vary querteriy and may hereace or decrease based on the stated inditxs, as toad M The Watt Street Journal, Plus tae margin GDreliataly dselosed fo you. These changes will be efrmtive an the Iat.day of yea b a period covered by your periodic srnrm .4-n, in the mamha January, April, July and October. c. If tle code D (Prime), F (1-mo. LIBOR) or G (3-ma. UBOR Repriced Monthly) appears on the from of your statement nits to the pedodc rate(s), 1M pedock reel M corresponding ANNUAL PERCENTAGE RATES may wry monthly and may increase or decrease based on the stated indices, as fond in The War/ Street Journal, pus the margin previarely disclosed to you. These changes will be effective on the fire( day of your billing period each momh. 4. Aapanart of Late, Ovrindt and Rsh-d Psymsrt Feu. Your account will be aaseased no more than two of the fees listed here that occur during any billing period. Under the terms of your customer agreement, me - the right to waive or not to assess any tees without pri rotiflcation to you without waiting our right to assess the same or similar fees at a la. ter time 5.tRravhug yar Aooaat. If a membership fee appears on the from of this statement, you have 30 days from the date I us statement was mailed to you to avoid paying the fee or ion have such fee credited to you if you cancel your amount. Dump the period, you may coniimta to use your amount without having to pay the mamba-hip fee, To cancel your emuaM, you must notify us by calling our Customer Relations Department and pay your -New Balance' in fail lexduding the membership fee) prior to tae end of the tNny-day period. 0. N You Cie. You Aecornt. You can request to dose yyoouu accont,,y calling our Customer nelatIV uepanmool. You most destray your credit card(s) and amour acceas checks, cancel all preauthodzed billing, ng yIt you do rot cartel e=X 'tilling arrangements, we will consider receipt of a charge your authorization to reapps your amount. Additionally, your account will not be closed transactions nll yo y all amounts you awe us includiry: any you have authorized, finance charges, Pas due face, ovedimit tau, returned payment fees, cash advance fees act any Other fees assess=17"r account. you are responsible for these they appear on your acca" ae time you request to close the acco-n or they are i't' rred sbsequent to your request to arge as ooeadno close On vaur aaccour, aher y fault in ch your accost it It has already been dosed. For example, 'f you at ;1 d a puMUase from a merchant and sure rmelve the trermction from tha merchant eher your account has been tlcead, your amount whit be reopoted, to .mast of tare tlerga ll be added to your amaru, and yyoouu will be responsible for payment. If there I. a main reltlp fee for your accost, the fee wig condrwte to be rnemed, to =p. pentltted by law, until the aocaatt 6 area d in fill as defined above. 7. L%bv Your Aoesat.Your card or accost cennot be used in connection wfth any Internet gambang nereactiorr. 9. Nottoo About ElseboNe Claaak Crwrabn. When you proN== nt, you aWarize either to lase check to make a me-lime eectronic find transfer from Your bank accent or to process ay? as a check transaction. Wlan we your deck to make an electronic fiM M transfer, haste may be Wadrewn from Your haha amwt 7,==r=01_y :v your paymrxtyour deck beck from your frIancial institution. BILUNG RIG14TS SUMMARY (In Case OI Emus Or Questions Ali" your &10 If you think your bill la =,I o Ii you need more infomatlon on a transabill, write to us on e separate sheet as soon as possible at the address for Inquiries from You on the trod of this statement. We most hear you no later than 00 days after we sent you the flnn bill on, winch the error or p appeared. you ran call our Customer Relations number, but doing se will not P e.- Your rights. In your letter, give or the following nformation: your name and amount number, the dollar amount of the suspected error, a description of the error act an etplarotion, if possible, of why you believe there is an error: or If You reed more infomation, a description of the hem you are unsure about. you do rat have to pay any amain in question wNle we are investigating it, but you are still obk(%d to pay the pane of your bat that are not in question. WNIs we Investigate your question, we cannot report you as delirpuent or take any action to collect the amount you question. 4,t Special Rule For Credit Carol Purchases If Mces that Piabfem with the quality of property or you purchased with a credit cerd and you have tried in good faith to corrt the proilem with the merchant, you may have the right rot to pay ha remaiNng amount due on tare property a services. You thave Wa protection only wren the purchase price was more than 550.00 and the purrlaee wait made in your hone state or witNn 100 miles of your mailing address. 11( we own or aperete the mefChem, or it v4 mailed you the advertisement for the property or eeMCee, ai purchaxs are covered regardess o amo-n or rotation of purchase.) Please remember to sign all conespondence. t Does rot apply to consumer non-credit cad accounts 4 Does rot appy to business ron-credit card accounts One apporm information privacy protection: see our at www.capiw-.mm. Oe is a federally registered service mark of Capital ?al CarPOntion. All rights reserved o 2003 K 1. lbw To Avid Period. yo Fnanouwilel Chang.. to. trwa ith have a minimum grace period of 25 days s witlart finance therpe on new pumh._, raw balance ttarsfem, new spade Purchases and rew other tlterose if you pay your total •New Balance', in amadence wbh the spotem Notice for payments below, act in time for it to be credited by your red atetement tlosinp date. Tltere s ro grace period on ceh advarxaa =E. sperdttarste. kt addition, there la ro grace perlod so if you do rot pay the total •New Y. Aearuitg Fktrae Chrga- Transactions wNh are not frmi the date of , =cdon or 2) from the charge e1) transaction is Processed to your Account o 3) bon the dam `h first cmlerdar day of to co- biillrvt7 riod. Additionally, if you did not pay the •Ne v Setsce from the previous billing period in full, finance tlarpu cendrate to rua to your -paid balara tall the -paid baI s paidem in fill. This means that you may tra owe finance charges, even it you pay the entire New Balance Indicated on UIe ham of your atatement by the noict watemanrt dosing time, but cod not do so tar to previous month. Unpaid f rience charges M===. efor eac sagmerth billlrp of your Amour_ your period that your amount la ablo.?t ro a Bnrce tlargs, a mktinum tool FWaNCE CHARGE of 60.50 will be Impa®d. If the total a- due'=it np iron the application of your periodic rate(s) is n 90.50, we will subtract that amours, from the $0.50 minimum and to difference will be billed to to purchase am of your accost. I'd right tarot aReduction ssess, a in ow Chat". We reserve the cry or all finance charges for arry given biting period 2. A-mils Daay Bahnee llnokalira New P rahrasl. a. Fnarce large is calculated by multiplying to daily balance of each aegrtott of your errant (e.g., cash atlvartce, purdaee, speuyaI treater, and by the mmespaudrq daily pedodic rate( ghat has been pmvkasiy disclosed to You. At the end of each day during ate biWneg period, we apply he daily periodic a e fo each aeglaent of your amen[ [o to logy bar of eeh segment. Tian at tlIe end of the Naka period, we add up tale real- of lase daily calolatiaro to arrive a you periodic firortce large for eah aegnem. We add realms ham u1h 8egnalt to ardw, s the tool peW.- firorce flange for yrxr amont. To get the daily balance for balance fa eadt of your account, weytake the beginning - transactions and add I Z: ny ppeeriodic flsro t charge "'a rtetod on the PaZy s pes ntts tsr or credits tat sted u st. tan atat ya or ts peered of that day that aany are allocated to the[ aegnueam. TNa gives m the ae a daily balance New rceaeg of r .moot. Ffowa-, if you peb dot m, a Po credit - fill (or o your if your rew balance was to trareaCtio a which post W your purchase or sPadel P-hime =Or=s are not added to the daily tadaress. We calculate to average d.(ly belarae by adttirq off the daily Me de intogdsrdNdnp the aorta by the rsrtber of and fire dot the -1 5srtg cytle. To celculam your I fir '. eMdb ytter number ofda ba=by. Y Y V9 biirg pod Due to rasMng on a daily basis, tlere may be a sight variance buatwaat Uls celoletbn act tare emam of firertce cho aerially aseessed. b. I,: code Z or N appeam on to front of this statement a to 'Belsra Rate Applied TO, we multiply the Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Do you know what's on your credit report? Cred/tt nform empowers you to manage your credit tOda • Get a customized, easy-to-read credit profile that includes your credit score. L • Receive detailed quarterly credit updates. • See what influences your credit score with Credit Analyzer, an online interactive tool. • Consult with Credit Education Specialists, toll free. • And much more for only $4.99 a month. See back for details. Credit Inform Risk-free for 30 days. Offer expires- 12-28-03. @ by EMWAX, To respond to this special, limited-time offer, simply complete this acceptance form and return it with your Capital One* card payment. Visit www.mycreditinform.com for more information. CapitaloW- Account S Previous Balance $2,214.61 Payments, Credits and Adjustments $166.00 Transactions $18.23 Finance Charges $27,21 New Balance $2,094.05 Minimum Amount Due $62,00 Payment Due Date November 26, 2003 Total Credit Line $2,200 Total Available Credit $105.95 Credit Line for Cash $2,200 Available Credit for Cash $105.95 At your service To nu Cmtomer Relations or to report a ion or stolen cord: 1-800-903-3637 Send Payments to, Send h quiriu to: Attn: Remitt 0-e Proceaain9 Capital One Services Capital One Services P.O. Box 85147 P.O. Bas 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information Cast your vote on capitalonebowl.com to help select the National Mascot of the Year from the 12 finalists, and be sure to tune in to ABC college football, ESPN, and ESPN2 to see this year's mascot commercials! This year's winner will be announced during the Capital One Bowl, which airs on ABC at 1:00p.m. ET on January lsc. YES. I want to manage my credit with Creditinform 576100 I have read and agree with the important disclosure on the back and authorize Intersections Inc., provider of Creditinform, to obtain and compile my credit report and monitor my credit flle at Equifax! I authorize Capital One to forward this coupon, which Includes my account number for billing purposes, on my behalf to the company that provides this product. Signature Name (Please Print) ®®® ®® - 1-11:1111:1 Please fill In the last four digits of your Social S.-Ity Number Wquired) 729 SOUTHERN DR CATAWISSA PA 17820.8412 -74058389 PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 7338 SEP 28 - OCT 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 270CT PAYMENT RECEIVED-THANK YOU $166,00- Transactions 2 27 OCT PAYMENT PROTECTION 1-888-527-6904 $18.23 Asa valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps your 2003 charges. Please call 1-877-412-3311 before December 12, 2003, to reserve your copy. All orders will be processed between January 15 and February 29, 2004. Families in PA EARNING INCOMES UP TO $43,240 per year may be eligible for low-cost or free health care coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost or free health care coverage programs in PA. y Finance Charges Plewe.ree reverie ride for important information N Rd - Pnrodir Cowr ding F ' 1CE ?ylirdto rote PR ro (?$E rate m v PURCHASES - 31,399.13 .04082% 14.90% 517.13 CASH $823.30 .04082% 14.90% 510.08 ANNUAL PERCENTAGE RATE applied this period 14.909'0 V PLEASE RETURN PORTION BELOW WITH PAYMENT. COpftal0w, 0000000 0 5178052200670905 27 2094050166000062003 New Balance $2,094.05 Minimum Amount Diu $62.00 Payment Due Date November 16, 2003 Total enclosed $ Account Number: 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 I1111311 Richmond, VA 23276 Ptearrp ntaoit'xg aJJ s andorr ma/ hvngr brloe viadblwo b/anE xE Stree Apt Jr Cary Sure ZIP xome rhone Al,,-re Ph.. #9030156678636510# MAIL ID NUMBER HAROLD M STEEN13URG m 729 SOUTHERN DR N = CATAWISSA PA 17820-8412 w ° F Peeare vniteyous auvunt number myow cheek or money order madepevable to Capita/ One Bank andmail in the rnelwede-kpe. Creditlnform puts the power of financial management in your hands. When it comes to achievingyour financial goals, there are few things as important as your credit. As a Creditlnform member, you can monitor the accuracy of your credit file with a personalized, easy-to-read credit profile with data compiled from Equifax, a leading credit reporting agency. Enjoy exclusive benefits Your profite includes your credit score, explanations of what influences your score and personalized credit information. You'll also receive detailed quarterly credit updates online or via mail. And Credit Education Specialists are available to answer questions or help you resolve a dispute. 30-day, risk-free trial period loin Creditlnform today and enjoy a 3o-day, risk-free trial period. After that, your $4.99 monthly membership fee will be conveniently billed to your Capital Ones account unless you choose to cancel. Sign and return this form today to more effectively manage your credit with Creditlnform. © 2003 Capital One Services, Inc- Capital One is a federally registered service mark. All rights reserved. Equifax is a registered trademark of Equifax Inc. "This quote was found at http://www.treas.gov/press/releases/is5l5.htm. The United States Treasury Department is not affiliated, connected, or associated with Capital One and does not sponsor, endorse or approve Capital One products or services. 1 understand that Intersections Inc. cannot accept authorization from any other person other than the individual joining the service and confirm that I am requesting my own personal information and no other. I acknowledge that, to ensure continuous service, my membership will be automatically renewed at the current rate, unless I tell you to cancel. I understand that Intersections Inc. is authorized under contract with Equifax to serve the Informational needs of consumers and assumes no liability for information contained In my credit rile. I confirm that I am at least 18 years of age. Note: We cannot process your order without your authorization. Equifax and Intersections Inc. are solely responsible for this offer, and are not affiliated with Capital One. Capital One does not provide or guarantee any product or service shown here. For inquiries about this product or if you wish to bill a different credit card, please call 1-866-226-3745• By responding to this offer, you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital One customer. The CrediUnform service is available to only one cardholder per account 8 O I O i N N p?e -odic rate. To obtain the average daily balance for the Nlfing pede covered by this statement, we take the heginnng balance of each segment earn day, add any new transactiaa 10 each ar, and subtract any peyeacm9 or credits. (If the code N appears an the from of this statement next to -Balance Rete Applied To,' we also attract any unpaid Anance charge induxfe in the balance of each egmeno) TNs gives us the daily balance of each segment Trim, we add up all the daily balances for each aegnent fa the billing ppeeriFiod and divide by the total router of days In the billing period. This gives us the average daily balance of each segment . 3. Arwrd parortage Rataa (APRI- a. The term -Annual Percentage Rate' may appear as -APR' on the front of this statement. b. If the code p (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard prime) appeare on the from of INS Statement next to the pedodc Fertile), the panode rates and coneaponei g ANNUAL PERCENTAGE RATES may vary quaneriy and,a may increase or decrease based m the stated indicess found in The Wal Street Journal, plus the margin previously disclosed to you. These changes will be effective on the flrat day of Your Nllirg period covered by Your Pedodc statement erring the months January, April, July and October. C. If the code D (Prime), F 0-me. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appearo en the trop of your statement next to the pedodc ratels), the periodic rates and corresltorhdno ANNUAL PERCENTE ay AGE RAT m very mondiY ennddmeY Increase or decrease based on the stated indices, as foul in The Wall St-v J wns/, plus the margin lusyiaualy disclosed to you. These charges will be effective on the first day of your billing period each month. 4. Aaauarwt of Lift, Ovrimt and Rabsnrd puryntrt Fans. Your account will be assessed ne more than two of the fees limed hem that occur during any billing period. Under the terms of your customer agreement, we reserve the Fight to waive or not to assess any fees Wthut prior ratification to you without waiving our right to assess the same or similar fees at a later time. S.tRmavskng Year Ataxi If a membership fee appears m the front of lids statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your accent. During INS period, you may continue to use your accent with" having to pay the membership fee. To cancel your account, you must notify W by calling our Customer Relations Department and pay your 'New Balance- in full (excluding the membership fee) prior to the end of the 1Nnyday period. B. If Ycu Cosa Your Aeasnt. You can request to dose your account by calling our Customer Relations Department. you must destroy your .rail card(s) and account access checks, cancel all pmaulhodzed billing, and cease usirhy your account. If you do net canto preauthorized billing arrangements, we will consider receipt of a charge your authorization to reopen your accoud. Additionally, Your ace. will not be closed until you pay all amounts You owe us including: any transactions you have authorize, finance charges, past due fees, overlimit fees, rwumed payment fees, cash advance fees and any other tees assessed to your cant. You am responsible for these amounts whether they appear on your accent at the time you request to close the accent or they are Incurred subsequent to your request to dose the accent. This may rest in charges appearing an your account after you have your account it it him almody been dosed. For example, if You ar then d a purtdase from a merdmnt and we receive the trenaaa{on fran the merchant after your amount has been dosed, your aavatt will be reopened, the amount of the charge will be added to your account, and yyoouu wall be responsible for payment. If there I. a memberaNp fee for your account, the fee will continue w be charged, w the et¢mt pall wd by law, until the a- balance he. been paid M full as dented above. 7. U.I g Your Aoaoud.Your card or account carat be use In contactbn with any Internet gamblkg transactions. 8. Natl. About F]sabSNo Cheek Conwrake. When you provide a clack as payment, you authorize us either to use infomation from you deck to make a one-time electonc dud transfer fun You bank account or to process the payment as a deck transaction. When we use information from you deck m make an electronic fund transfer, finds may be withdrawn from your bank access as soon as the same day we receive yout payment, and you will not reedve yam check back from your inshdal inedtudm. BILLING RIGHTS SUMMARY (In Case Of Errors Or Questions About Your Bill) If you think your bill is wrong, or If you need more nformation on a transaction of bill, write to us an e separate sheet as Soon as possible at the address for inquiries shown an the from of INS "Want. We must hear from You no later than 00 days after we Sent you the first bill m which the error OF problem appeared. You ran call our Customer Relations number, hue doing so will net preserve your 0". In your letter, give us the fdlovinp information: your name and accent number, the ddlar amour of the Suspected error, a description of the error and an .,#a- tion, if poasibie, of why you believe there I. an error; or If 1'ou reed more Infosnatlon, a description of the hem you are unsure about. You do rat have to fay any amount till Iobligated question y". we are Invemigedrg it, but you a pay the pans of your bAI that am net in question. WN1, vve Investlaeee Yo u question, we carrot report you as dellnquurht or oakk any action to coilect the amount you question. S,t Special Rule For credit card purchases If you have a problem with the quality of property or, seMcea that you purchased w thh a credit card and you have tried in good faith to correct the problem with the merchant , you may have the right not to pay the remaking aunt due an the property or services. You have this protection only when the purchase pprrce was more than 950.00 and the purchase was made in Your hone State or whNn 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the adwithismant for the property or services, all purchases ate mulled toPardess of amour a location of purchase.) Please remember to sigh all correspondence. t Does not apply to consunaz non-. wit card accounts f Does rot apply to bcttinesa Carr-do c d accounts One Support. information privacy protection: see out at www.captalone.com. One Is a federally registered service mark of Capital One al Corporation. All rights reserved. a 01?LGLBAK a prieN tahrewill have a h=1' aa . 26 t a. clae d. ut . on no gram period of 25 d without fina- Few goods] ca Purchases new balanc fyou you l New New Purchases and new other charges if pa, new pay your toctal ' Balance- in accordance for the Important Noire for paym,wtts obelow, nt and in time for it to credited by your next atatemem eoalrg date. Them is s In gra gram ce Period cash aand special transfers- o not th is ne gram ce period b, any trarea,-tition on If If you do do not pay ay the total -New balrtce.- b. A-aing Fk-. Charge, Transactions which, are rot sublet to a grace period am amassed Prance charge 1) flan the date of the [rorhsectlm a 2) from the date dea transaction is processed to you Account or 3) from the flea[ Calendar day of the current billirg paced. Additionally, if You did rot pay the "New Bassics,' from the previous billing Period in full, finance charges continue to Seems to your upaid balance until the unpaid balance is paid in full. This means that You may still owe finance charges, even if you pay the entire New nice ndcated on the (rant of your statement by the rice, aatemok Closing dam, but did rat de So for the prevlos month. Urp dd W_ dar9-' appgpill? bie chat[ of yourAcoartt. =F=. tc. dircega. For each ofrq period that your amount is atiact to a finance chow a mirimun total RNANCE CHARGE of $0.50 will be Imposed. If the total flm= dtarge reaJdnp from the appllcadon of theca Period. roe(sl {s leav then 90.50, we wiY attract their mount from the 90.50 mHmtm and the difference will be billed to the purchase, Segment of your accost. t d. Tarnparry Raduotion n Frames Cat". We reserve the Fight to not assess any or all finance charges for any given billing period. 2. Avraga Daily Balmw Ikhokurrg Navy Ruroh s-1. a. Rnence charge is calculated by multiplying the daily balance of each Segment of your accost (e.g., cash advance, purcase, special transfer, and special purdase) by the mirespadng daily periodic rate(s) that has been pre y disclosed to you. At the end of each dayy dudng hg period, we apply the daily periodic rate fi asdh Segment of Your account to the dally balance of each Segment. Than at the end of the billing period, we add tp the nabs of these deity calculations to arrive at your periodic firnce charge for each segment. We add up the results from each Segment to arrive at the total periodic finance charge for your account. To get the daily balance for each balance s.g on of your a.coatt, we take de beginning and an fee each t and add anyy raw transactions y paneFiaicu m ated m the previous day's balance Poi finance that a Segment. We than sbtma my payments or credos posted as of that day that are allocated to that segment. This gives on the separate daily bal erea for each segnern of your account. However, If you ppeeb the Naw Balenux sfaw+h on yes preNas aatemert In NI (or if your nevz balance wee zero or a credit amont), new tram amore vdiCh Post to You purchase or special purchase segnahu am not addod to the daily balances. We calculate the average daily balance by adding all the daily belm.ea togedter end div{drg the Sun by de nnber of the days in the cu rrant bill ayce. To calculate, Vcur total flrtnc?a darga, nultidY Yau average defy balance by the daily periodic to and by tie nether of day. in the billing perbd. Ohre to rnrhdirtg on a daily basis, dupe may he a silgtt variance between die calolaUorh and de amarrc of I-- Berge aauamy asaesae. b. If the code Z o N appeaIS on the fiom of ids statement next to 'Balance Rate Appgad To,- we mulUdv the Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. el"N Surf up to 5x fastermth FREE Acce io.merst1z =L 1-888-587-9669 Mention Offer Code: COIN Visit www.peoplepc.com/go/coin 003 UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered bySymanteeTm NBI 1& Pop-Up BlockerTM W Spam Controls 4® ' Smarter smart Dialer Technology ® LW More Email Addresses ® * Internet Call Waiting Capital oW Account S Previous Balance $2,094.05 Payments, Credits and Adjustments $.00 Transactions $95.24 Finance Charges $26.81 PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 OCT 28 - NOV 27, 2003 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment, please accept our thanks. New Balance $2,216.10 Transactions Minimum Amount Due $128,00 1 19 NOV RED LOBSTER US00006445 WILLIAMSPORT PA $41.24 Payment Due Date December 27, 2003 2 27 NOV PAST DUE FEE 35.00 Total C dit Li 3 27 NOV PAYMENT PROTECTION 1-888-527-6904 19.00 re ne Total Available Credit $2,200 $.00 As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps Credit Line for Cash $2,200 your 2003 charges. Please call 1-877-412-3311 before December 12, 2003, to reserve your copy. All Available Credit for Cash $.00 orders will be processed between January 15 and February 29, 2004. At your service You were assessed a past due fee of $35.00 on 11/27/2003 because your minimum payment was not received by the due date of I V2612003. To avoid this fee in the future, we recommend that you To ell Customer Relations or to report a lost or stolen cud: allow at least 7 business days for your payment to reach Capital One. 1-800-903-3637 Send payments to: Send inquiriu to: Attn: Remittance Proceving Capital One Services Capital One Smioes P.O. Box $5147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Finance Charges Pleare ra reverse fide for important information Balaneerate Periodic C_=16111 W WE ? yyludto ? GE PURCHASES $1,345.33 .04082% 14.90% $17 02 CASH $773.57 .04N2% 14.90% . $9.79 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. P. owl 0000000 0 5178052200670905 27 2216100166000128001 New Balance $2,216.10 Minimum Amount Due $128.00 Payment Due Date December 27, 2003 Total enclosed $ Account Number. 5178-0522-0067-0905 PlearrprntmailirsgaZirnarsd/ -d'A, grbel ra;rsdb! -b/ac4nck bveet Apt 4 ury S.. ZIP Home Phone Alumate Phone #9033156678636517# MAIL ID NUMBER Capital One Bank HAROLD M STEENBURG P.O. Box 85147 729 SOUTHERN DR Richmond, VA 23276 CATAWISSA PA 17820-8412 Please vniteyow aaorent number onyour check or money order made payable to Capital One Bank and mail in the enckued -Jope. peoplepc- online Nl-./ A better way to Internet. r PQ.QPIQ ronlirte 729 Solij jPN DR A better way to Internet. CATAWISSA PA 17820-8412 UfK01MITED INTERNET ACCESS cm_ 1-888-587-9669 agar Mention Offer Code: COIN Visit www.peoplepc.com/go/coin PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. AJI rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months are billed at $4.97 per month; $9.95 per month thereafter Offer available to new dial-up subsaioom at least 18 years of age and may not be redeemed with any other char, Offer subject to change at any time. Phone technical support available for $1.95 per minute. 1Accelarator is free for 12 months. Offer good for limited time. After the that 12 months, the Accelerated service will automatically revert to the standard PeoplePC Online service, Offer subject to change at anytime. With PeopmPC Online Accelerated, certain Web page text and graphics will load faster when compared to standard dial-up Internal service. Actual results may vary. PeopleK Online Accelerated is only compatible with PeoplePC Onine Informal service and specified Windovrs0 browsers. Peopai Online Accelerated is not compatible with Wlndows® 95 with IE 5.5 SP2. Service not available in al areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be Imiled, especially during times of peak usage. Dal-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeoul procedures. AI use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of semce; actual speed may vary. 0 2005 Pail Inc. All Rights Reserved. PeoplePC Online and its logos are trademarks of Pwphi in the U.S. and other countries. 0 2005 Caphal One Services, Inc. Capital One is a federally registered service mark. All rights reserved 8 O I O r O O N N fr riodic rate. To obtain the average daily balance for the 'rig period covered by this statement, we take the begimrg belar ce of each segnem each day, add any new oc cloo credis. to each segment, and subtraa any peymer"s ot ts. Rf the code N appears on the from of this Malemerm next to "Balance Rate Applied 70," we also subtract any urpsid finance charge iMutded in the be"- of each seggnnmtJ This given un the cagy, balaroe of each segm? . tlIadd up all the daily balances for each mm horo1T= ten, f de,s N three riod and divide by the total Y nperiod. Tuts gives us the average doily balance of each segment. 3. ArhhntW Peroeniape Rrtas CAPRI. a. The term 'Annual Percentage Rata' may appear as "APR' m the front of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appears m the from of thla statement next to the periodic rare(sl, the periodic false and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the stated indices, as found in The Wall Street JOUTW, pus the margin previously disclosed to you. These changes will be effective on the first day of your billing period covered by your period. aretmhent erring in the months January, April, July and October. c. If the coda D (Prime), F (1-me. LIBOR) or G (3-mo. LIBOR Repriced Mcni algae the from of your m on at mmor t next to the pedodk r te(e), the pedoek halm and corresponding ANNUAL PERCENTAGE RATES may eta ed OF nd indices, as found nrhe wat? a et JndOI-W, pk. the margin previously disclosed to you. These changes wW be effective on the firrt day of your billing period each month. 4. Assessment of Late, Ovrknit and Rabaned Pay na t Fep. Your account will be assessed ne more than two of the fees listed hem that occur during any hitting period. Under the terms of your cuatanef agreement, we reserve the right to waive or rat to assess any rem whhart prior ratification to y i without waiving our right to assess the same or similar ff 1 a later tima. 6.tRdrasvihp Yau Aodeut. If a membership fee appears on to fr"m of this walemem, you have 30 days from the date line statement was mailed to you to avoid Paying the fee or to have such fee credited to you if you cancel your account. Dung the period, you may continue to use your account Without having to pay the membership fee. To cancel your ii-sum, you must Mildly m by calling our Customer Relations Department and Pay embbers ip fee) prior to the in of (the thirty-day period. 6. N You Cop Yerr Account. You can request to dose your account by calling our Justaner Relatloiq Deparunem. Yau moat destroy your credit card(s) and accent access checks, caned all preauhorized bluing, and cease uslhh9, your account. If you do rot caned preauthorized billing arrangement., we will consider receipt of a charge your authorization to reopen your account. Additionally, your amount will not be dosed until you pay all amounts you owe us indu lr? any tmnesNans you have authorized, finance charges, pass due less, overiimit few, miumed payment fees, cash advance fees and any other face arrested to your accouam. You are responsible for these amount. whether close atheaccountt or amount Intathe urred a you request to they subsequent to t to chi s? ar doe the your amount This may result in c ha appearing on wow accent after you have your accetnt if it has already been dosed. For example, if you authorized a purchase from a mertdtam and we receive the transaction fran the merchant after your accent has been closed, your account will be reopened, the amount of the charge will be added to your account, and you will be ==r aymem. If there is a membership fee , the fee will conomis, to be charged, to the extent permuted by law, until the accar" balance has been paid in full as defired above. 7. lfskg Your Acco nt.yOke card or account cannot be used in correction with any Internet garnbii transactions. 8. rlstip Abort Electronic Cheep Cmverdan. When you provide a dock as payment, you auddze us either to ise intimation from your deck to make a so-time electronic find transfer from your bank account OF to process the payment as a deck transaction. When we use information from your deck to make an electronic f ncl transfer, hrr6 may be withdrawn fronn your bank account as anon as the same day we receive your payment, and you will not receive your deck beck from your financial institution. BILLING RIGHTS SUMMARY (in Case Of Entire Or Question About Your Fill) If you think your bill Is wrerg, o If you road more information on a trareactim or bill, write to us m a separate sheet as soon as possible at the address for Inquiries shown m the from of this sammem. We must hear from you no later than 60 days after we Sam you to first big on which the error or problem appeared. YOU can cell our Customer Relations number, but doing so will rat preserve your rights. In your letter, give us the following information: your home and account number, the dollar amount of the suspected "ror, a descriptim of the error and an explanation, if possible, of why you believe tare I. nor, or if you need more Infomnation, a description of the hem you are unsue about. V do rot have to pay any amount in que nim while we are Investigatng it, but y- am still obligated to pay the pans of your bill that are not in question. While we invmuigete your questim, cemot repro you as delinquent or mice any actin to collect the amoun you question. S,t Special Rule For Credit Card Purdasm If you laws a problem with the quality of property or aerNcea that you purchased Wlh a .,.,it cam and YOU laws tried in good faith to correct the problem with the merchant, you may have the right rat to pay the remaining amount due on the property a services. you have his protection only when the purdap price was more than 850.00 and the purchase was made in your home state or within 100 ndlss of your mailing address. (If We own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchssss are covered repardew M amout or bcatim of purchase.) Reese r"ruenhber to sign all correspondence. t Does not apply to consumer noncredit card OCCOlnts 4 Does not appy to business ron-credit two accounts One etpPerte irdom'atim privacy protection: See our at vvww.cepptalone.com. One is a tedrally stered service mark of Capital andal Corpoatioit. FUI ri¢rta reserved. 0 2003 o Avon A manes charge, t a. (race Period. You will have a mbimun grace period of 25 chys vAtlou finance chi m new purchases, new, balance timeless, new special purcJnaes and new other charges If you pay your total "New Balance', in :-Fri.- with the Important Notice for peymerms below, end's time for it to be credited by your next statement toeing date. Them I. - grace period on cash advmdas and spatial transfers. In addition, them is he grace period on any taneacdon If you do rot pay the total 'New balance." b. Accruing Finance Charge. Trareactioia which am not am assessed finance fr tfhe date of mce tperiod or 2) from the date the transaction is processed to your Account or 3) from to first calendar day of the current bigbty padod. Additionally, if you did rho pay the "New Boleros hen the previous bfiftg period in full, Wines, drges oondns to aeons to your tspeid balance uhdl the upaid balance is paid in fuel. TNa means that you may atlg owe finsrda cherpw, even if you pay the entire New Balance idireted on the from of your statementa by the next sutemerrt dosing date, but did not do SO for the previous mach. Urged finance ch rgw ere sego"" of war Acceuht. t c. 2=F='9=. For each that your aocan( is ab(ect to a fineroe carge, a minimum total RNANCE CHARGE of 50.60 will tie Imposed. If the total Mince ea reaJtl periodic np from twe,M appgcatlon of your rate (s) is less ttan 70.50, wkl ah6trect that annoant, front, the 80.50 miimun and the difference will be biked to the purchase aegh? of your ecoarm. t d. Tarparry R*du in ?."= carpe. W. reserve the ri to r traces my or all firs once charges for any given . (erg period. 2. A- mpe D.BV BWne. (bnk. New Arahgeal. a. Finance large Is calculated y multiplying the daily balance of each segment of your amount (e.g., cash advance, purchase, special transfer, and special purchati by the corresponding drily periodic rate(s) that hoe been previously disclosed to you At the end of each de,y during the, baling period, we, apply the dally periodic ate for each segment of your account to the balar« of each segment. Then at the end of the big parted, ore add up the reaulu of thsae dally, Lxcs to arrive at Parisi finance charge fo eatlh aegmr". We arld up tfn salts iron each segment to arrive at the total periodic finsrhce charge for You account. To pet the daily balance for exit segment of your account, we take the beanil balance for each segner" and add arrtyny now tansacti ore and my periodic finance charge, calalated en the previous days balance for that segment. We then subtract any paymems or credos posed as of cat day that am allocated to that aegn"rc. This gives us the separate dally balms I?w "-Um' However, If you paid the you previous s atmem in aid if your new babes wen zee or a crook amount), new transactions which post to your purl hose or special purchase segments am rot added to the daily balances. We calculate to average dailyy balance by adding 9k the daily balances together and dividing the sun by the number of the days in the curhent bigirg cycle. To calculate your total finance charge, multpfy yoir average daily balance by the logy periodic ate and by the nnWer of day. in the hill pedDu, to randdnp on a daily basis, there may be a slight variance between this calculation and the amount of foeri .T acnsgy assessed. b. If the code Z cr N appears on the from of his statement men ts "Balance Rate Applied To," we mWtlpy tore fmportrf Notre: Your payment will be crooked to your account as of the date vhe receive It, Provided you send the bottom portlm of this statement and your dock in the enclosed remittance envelope, and your payment is received In our processing comer by 3 p.m. Paymama addressed to our Virginia or Georga processing demo must be received m a business day by 3:00 p m. ET. Paymms a reared to our Washington processig center onus[ be, naoavetl en a bualnese day by 3:00 p.m. P7. Please allow at loam five (5) bumirhess days tier postal delivery. Payments received by w at any other location or in another form may not be cradled the same day ay receive thorn. Our business days are Manley though Saturday, excluding posted vve holidays. Places do not use Staples, paper dips, etc. when preparing your payment. 5,000 PEOPLE WILL START SAVING ON THEIR LONG DISTANCE TODAY. WILL YOU BE ONE OF THEM? Turn the page and start saving today Capital Qw. Account S Previous Balance $2,216.10 Payments, Credits and Adjustments $516.10 Transactions $5220 Finance Charges $25.21 New Balance $1,777.41 Minimum Amount Due $53.00 Payment Due Date January 27, 2004 Total Credit Line $2,200 Total Available Credit $422.59 Credit Line for Cash $2,200 Available Credit for Cash $422.59 At your service To call Owomer Rehtions or to report a lost w stolen nrd: 1-800-903-3637 Send payments to: Smd inquid. to: Am: Renittanee Processing Capital One S-1- Capital One Setviees P.O. B. 85147 P.O. Box $5015 Richmond, VA 23276 Richmond, VA 23285-5015 PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 NOV 28 - DEC 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 28 NOV PAYMENT RECEIVED -THANK YOU $100.00- 2 22 DEC PAYMENT RECEIVED -THANK YOU 416.10- Trdmactions 3 17 DEC FREIGHTLINER OF HSBC HARRISBURG PA $36.74 4 27 DEC PAYMENT PROTECTION 1-888-527-6904 15.46 Fmance Charges Plewe see reverse side for important information Bdannrefr Period. din '- . 8 RV ##;a rat 2p R lil!. ° PURCHASES $1,328.90 .04082% 14.90% $16 27 CASH $729.96 .04082% . 14.90% $8.94 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. Q-2ftwowe 0000000 0 5178052200670905 27 1777410416100053002 New Balance $1.777.41 Minimum Amount Due $53.00 Payment Due Date January 27, 2004 Total enclosed $ Account Number: 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 111 111 11 11111 111111111 Richmond, VA 23276 11411111 11111 1111111111111 111111 11111 ii 111 ii 11111 11111 111 ii 1111 pf'-pr;rfmalingaddnr a a mci/dxmgrrbr! min, b! orblark nk ury S.. Home Phone Alumsk Phone #9036256678636512# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 m Apr. Y ZIP r Pleare wrifeyow aaounl number onyow cheek or money order aadepoyable to Capital One Bank and mail in the enclwedenvelope. SIGN UP NOW FOR 3.90** PER MINUTE ... EVERY CALL ... EVERY DAY. This special rate* is brought to you by Capital One@ and OneVoice Long Distance. Start saving today. Call 1.800.833.1651. Or visit at www.covistaonevoice.com Capital OI eVbice Long Distance what's in your wallet?" ^3.9 cents per minute Is for state to state calls. 'Exclusive Offer - No monthly fee for Copies] One cum.mem. OneVoice Long Distance, a product of Covista CommuNCalione, Inc., is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee and is not affiliated whh any product or service shown hem. Any trademarks mentioned herein am solely owrad by the respective entity. All rglhts reserved. By responding to this offer, you may be communicafirp intpmation about yourself to the company that provides this product-for example, that you ars a Capital One custormr. 0 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved- 8 o i O O ? N N [It only takes 60 seconds.] rIheriodc rate. To obtain the average daffy baace for the higirg period covered by tNa t, we take the begirrrrg balance of each:.statemeneach day, add any new transactions to each xgnem, aM matted enY ,,':dnta or credits. (It the code N eppeats m the horn o ilia statement next to 'Balance Rate Appl'ed T Uded O,' In we thealbalsoance attract any unpaid Ina nce charge inrJ of each segntenc) This gives us the daily balance of each segment. T}den we add up dl the dallyy balance, far each segment for the blllirg period and divide by the tmel ember of day In the blllirg period. TNa we w the outings daily balance of eadt aegnem. 3. Annual Presddea Raba fAltiil. a. The term 'Annual Pemmtege Rate- may appear as APR' o the from of this satemern. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Depoah), or S (Benkcwd Prime) appeao s the from of this matemem next tO the periodic rate(s), the periodic rates and comespoidng ANNUAL PERCENTAGE RATES may varygllarteriy and may increase or decrease based an the stated indices, as food in The Wei! Streit? Journal, plus the margin preNotatly datloaed to you. These tlargea vAlI be effective on the Arad day of your blmrg pit covered by your periodic star. andng In the mothe January, April, Jelly she r)t;toher. c. if the coda D (Prime), F (1 yno. LIBOR) or G (3-me. LIBOR Repriced Manny) appears on the from of your statement next to the periodic ratela), the periodic rats and correspordrg ANNUAL PE; EtlTAGE RATES may vary momhly and may increase or decrease based on the meted indices, as found in The Watl Street ?ormel, =tingespNn the margin previously disclosed to you. These will be effective on the first day of Your billing period son marsh. 4. Assumhrit of Lat., OvriNf and Rwm-d Paynwd I_. Your accent will be assessed no more than two of the fees limed hem thin occur dung any billing period. Under the terms of Your custOmm agreement, we reserve the rigor to waive or not to mumme any fees without prior rotifiratlo to you without waiving our tight to assess the same or similar des m a later time. 5.1Ranwhua gar Aawra. If a membership fee appears on the from of this matemem, you have 30 days from the date this statement was mailed to you to avoid paving the }w or to have such is credited to you if you cancel your accent. During this pedal, you may continue to use your account without having to pay the membership fee. To cancel your accent, YOU must notify ua by calling our Cum=, Relmiss Department and pity yyoour 'New Balance ' in full lead 'g the meet fee) Prior to the end of the they-day period. 8. If you Cbs. your Ae.ant. You can regcm to rise yY account by calling Our Customer Relatiea UepBnment. You mum destroy your credit cam(s) and accent access checks, cancel all preauhedzed billing, and coax using accent. If yea o rot cancel preauthorized billiyour ng artangements, wedwill consider receipt of a darge your auherization to reopen your accent. Additiaally, your accem will not W closed until you pay all amounts Ye, owe s iraiuIng: any transaction you have a.h,,,.d, finance charge, path due fees, oweriimit tees, resumed payment fees, -an advance fees and any other few assessed to your account. You are responsible for mesa amouns whether they appear on Your accost at the time you request to close the account or they are Incurred aubsequem to your request to dose the accom. This may result In charges appealing on your accent after you have your account if it has already been dosed. For example, if you aWwrized a puu'dax from a nrl end we receive the trsnsaedafn from the merdam after you aoeont has been dosed, you accent will be reopened, the amain of the charge well be added to your eccourt, and will ? mapotsbie for pi ymem. If thaw is a p your account, the fee wiN contkac to be drerged, to tuna extern pemthted by law, until the admnt ba ante has been paid I. full es degred above. 7. thing Your A-au t.Your card or accent carrwt be used In connection with any Internet gambling tranacdona. 8. Noth. Mad E7.etroN. Cheek Conwrabn. When you provide a dick as payrmmt, you authorize us either to use infomtatiort from you duck to make a ono-dme electronic fund transfer from your bank accent or to process payment ea a check traueatim. When vve unit infothe muticn from your deck to make an electronic fund transfer, fads =y= wddrawn from your band ac>bunt as soon as e day we receive your payment, and you V41 not receive your check back from your financial it tir don. WILLING RIGHTS SUMMARY On Case Of Enom Or Guestios Abdul You BPI) If you think your bill is wrag, or it you need mare if o e traraectio nor write to us o a separate sheet es noon as pss%e at the address for =rate shown on the from of thia stmemont. We must hear from you ro later than 80 dayysa after we aeon you the firm till en which the error or problem appeared. You can call Our Customer Rebid cambe nun di will ng.Wlvi not preserve your rights. In your totter,r,give uaa thex infomtatian: your name and account amber, the dollar outt of the aapected error, a dexriptio of the stun and rr explanation n posaihle, of w,hyy you believe there is an error; or it you need mare .nfOmatim, a deacdphon of the hem you are unsure abort. Ys do not have to pity any amount, in =Ion v"e we are in-odgadng It, but are still oNigetd to pay the pans of your N else ..It noIn question. Is we Investigate your question, we cannot report you as delinquent or take any anion to collect the amour you questim. 3,t Special Rule For Credit Card Purchases If he Puts problem with the quality of property or you purchased whh a credit card and you have tiled in god I. to coned the problem with the merchant, you may have the right rot to pay the remaining emaum due on the properly a services . YOU have this protection ally wMr. purclnu price was more than 850.00 am the was made in your fame mate or Within 100 mils of your mailing address. (If we own or operate the mercham, or if we mailed you the advertisement for the pr7xt or se _' all pure nsas e covered regard es oft amount or bstio of purchase.) Please remember to sign all correspondence. t Door act apply to consumer roe-cra& card eccouds f Does rot apply to business son-credlt cad accounts One 64*0,1a information privacy protection: we our at www.Ca tsiona.com. One is a rally registered xrAm mark of Capital aaial Corporation All rights reserved.. 2003 One OtLGLBAK Wn 'Y rn ' (.Targa. tit. Qae. P?fcdou will haw: a minirrnm grace period of 25 days without finance tlarge o new purthaxs, new balance [carders, new apes al purchases and new other adm yr? pay your total 'New Balance', in khnportam Notice for paymams below, and h time fort [o he credited by your roxa statement dosing dare. There is ro grace period on cash advance and an special an rs. In addition, there Is ro grace period o pay the total 'New nMny tEare sn you do rot b. Aaaming Fiance Char". Transactions which are not aublect ro e gwe petbd are aeseaaetl flnarhce charge If flan the date of the [ransactlo or 2) iron the date the transaction is procexed to your Acceurnt or 3) from the first calendar day of the cunam Miff period. Addtionafly, if Yen old not pay the 'New seisms from the preNoun billing peril in all, flrorhce duryes cedrxn to accrue m Your unpaid balance toll the unpaid balance is paid in full. This morns that you may sW owe finance tlnrges, even if you pay the entire New ante listed on the fret of =r ent uy the next stmemert doairg time, but old r the previous moah. Unpaid finance charges added to the appYr 61 aegmem of you Accent. t c. ksrlnuaat FInah.. Cherye. For each bllNrg period due yo 1 acRNAMCE xxxant I sublect RGE of $0.60 wffi fian c can, a m?? posed. If the total finance large rcwlcMq from the application of yyouOuu periodic rate(s) is lase than 80.50, we will ab . mount from the 80.50 miimum and the dfferenm will be billed to the purdnx ae?x?em ofyor cceuht. t d. Tasspaary R.Bsation in F'svhea 47rge. Wa reaerw: the right to not asxss any or all finance charges for any given N rig portod. 2. Awaag. Deny Bakavw Ikhekdita Naw pwd_al. e. Rnance charge is calaiated yoy multiplying(e. the dsallyoh balance of each aegnem of ur accent g., purchase byva ?rraaPord ng daNy pedado? am! special that has bsrh ) previously disclosed to you. A[ tine and of each day dudrg the billing period, wa apply the dally periodic me for or s M aegnem m yox eewnt to dhe dollyy =c rare for es segiYnem. Than m the end of tin Nang period, we add up the reed- of thse daily calelatiaro to arrive m r periodic fironc darge tour son xgnem. We add realrs from son xgneM to VT m ulna total pe c finance charge tour your o Itet the daily balance for eadh xgnot of your eccaunt, we take the begiminp balaroe for sdh 9egnem end add any new trereactims and anype riodc finance charge calculated an the pmvlen day's balance for that seThem. We man elbtred any paymema or ctedts posed r of that day that are abcated ro tint aepnatt. TNa gvs u the separme daily balance Pon eadh aegnem of your acco m However, if you paid he New Belohca shewm o you preNan statarnat in fill (or If your new balance ws zero or a credit amount), new trefreactiarta vAidn post ro your Purdhax or apedd pundheas x(rnems am not ettled t0 tiha daily balarxxs. We calculate the average daily belama by soling all the logy the the day. In topetiho add dvidrg the sunsTo by the ranter of days the wrrau biNlrg Cie. calculma your total tirarca Uharge, multidY your average dally balance by the daily pedock onto and by tine rarnher of days in the gill rg period. Duna to rourhdug m e elegy basis, deers may he a sYgt, verierhce between tuts caleladon and the amour of finarncc dhadga actually this d. b. Ithe code Z or N gxpwm o Va from of Wa metemo[ xt ro "Me- Rate "ad To,' we n."ply the rem?ar?ioa?w«alYour paymem will De ceditea to your accourtt as of ere data we recolwe It, provided you send the bottom pomon of Ws matemem and your daa:k In tin acloeed ape, and your paymart is reo9lvd In ou procaseig tamer by 3 p.m. Paymana addressed to our NrgiNa or Georgia proceaekg carrier must be received on a buairnss day by 3:00 pp m. Ef. Paymema addressed to our Washirgim processlrg carter moat be recalvetl o a burslneas say by 3.00 p.m. PT. Please abw at learn Awe (5) buaiaaa days for pomal deNvery. PaYtnate rehaivd by u at ,try other location or n another toot may not ba aedited the same day ww recap Vnan. Our haloes days are Monday threuNh Saturday, exaolurtfirg holidays. Pleax do not tae mapls, paper clipe? rec. wNhen preparing pun paymam. Wien you aeon a a check(s), you autiorizO u to make aerne-limo dectraic trarafer debit from your bank accoun tour the emaurri of the deck This authorization applies to all decks received d,' the bllNng cycle ewer if sax[ by somaene olx. It we cannot proosa the transfer, you auherize ue to make a darge agarat pun bmk accerrt tang the deck, a paper bah or other Flom. Do you know what's on your credit report? greatest - threat at Credltinform empowers you to manage yourcredit. a Get ustt mined, easy-to-read credit profile that includes • yo u c • Receive detailed quarterly credit updates. • See what influences your credit score with Credit Analyzer, an online interactive tool. • Consult with Credit Education Specialists, toll free. • And much more for only $4.99 a month. See back for details. Cred it Inform Risk-free for 30 days. Offer expires: 03/28/04. P, by EqUNM* To respond to this special, limited-time offer, simply complete this acceptance form and return it with your Capital One* card payment. visit www.mycreditinform.com for more information. 578100 XYE5,1 want to manage my credit with Creditln(orm. I have read and agree with the Important terms and disclosure on the back and authorize Intersections Inc., provider of Creditlnform, to obtain and compile my credit report and monitor my credit file at Equifax! I authorize Capital OnLf to forward this coupon, which includes my account number for billing purposes, on my behalf to the company that provides this product. Signature Name (Please Print) ®®® ®® ??0? Pi fill In the last four digits of your Social Security Number (Repuired) 729 SOUTHERN DR CATAWISSA PA 1782o-8412 1000000074058389 11399 Capital aw® IG PLATINUM MASTERCARD ACCOUNT DEC 28, 2003 - JAN 27, 2004 5178-0522-0067-0905 Page 1 of I Account Summary Payments, Credits and Adjustments Previous Balance $1,777.41 1 26 JAN PAYMENT RECEIVED - THANK YOU $100.00- Payments, Credits and Adjustments $100.00 Transactions $348.33 Transactions Finance Charges $2584 2 02 JAN FLYING J CARLISLE PA $22.30 New Balance $2,051.58 3 02 JAN EVERGREEN CHINESE BUFF MECHANICSBUR PA 2120 Minimum Amount Due $61.00 Payment Due Date February 27 2004 4 03 JAN BEITER'S HOME CENTER-S SUNBURY PA 100.00 , 5 03 JAN WM SUPERCENTER SE2 COAL TOWNSHIP PA 67.81 Total Credit Line $2,200 6 03 JAN BOSCOV'S #007 SELINSGROVE PA 66.25 Total Available Credit $148.42 7 t)8 JAN WM SUPERCENTER SE2 COAL TOWNSHIP PA 52.90 Credit Line for Cash $2,200 8 27 JAN PAYMENT PROTECTION 1-888-527-6904 17.87 Available Credit for Cash $148.42 At your service To till Customer Relations or to report a lost of stolen nrd: 1-800-903-3637 Send payments to: Send inquiries to: Attn: Remits- Processing Capital One Services Capital One Services P.O. Box 85147 P.O. Box $5015 Richmond, VA 23276 Richmond, VA 23285-5015 Finance Charges Peeare tee reverie tide for important information ° Balanset? Period's Conesprsdin B Aj??`$ R ' .rpj,,irdtn ,fPR rate AIZ CiE v PURCHASES $1,425.21 .04082% 14.W% CASH $617.28 .04082% 14.90% $18.03 $7.81 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. CAMHalo , 0000000 0 5178052200670905 27 2051580100000061000 New Balance $2,051.58 Minimum Amount Due $61,00 Payment Due Date February 27, 2004 Total enclosed $ Account Number: 5178-0522-0067-0905 plearepnnt nailing ddnn -d"- e-wuil cMngrs bb- i cr bf or67ark iu.E Street Apt # uty Sute ZIP Home Phone Alternate Phone #9002856678636519# MAIL ID NUMBER Capital One Bank HAROLD EURG P.O. Box 85147 111111 729 SOUTHERN DR tuu?l?f?u?1? m Richmond, VA 23276 CATAWISSA PA 17820-8412 ° s ?u1t??su??n?m?1???uttu?u?u?m??u?t?u?l??l?mt?ut Peeare -iteyoar-art nnsnber on yore Thai or money order madepayable to Capital One Bank and mail in the enclosed envelope. r Creditilnform puts the power of financial management in your hands. When it comes to achieving your financial goals, there are few things as important as your credit. As a CreditInform member, you can monitor the accuracy of your credit file with a personalized, easy-to-read credit profile with data compiled from Equifax, a leading credit reporting agency. Enjoy exclusive benefits Your profile includes your credit score, explanations of what influences your score and personalized credit information. You'll also receive detailed quarterly credit updates online or via mail. And Credit Education Specialists are available to answer questions or help you resolve a dispute. 30-day, risk-free trial period Join Creditinform today and enjoy a 3o-day, risk-free trial period. After that, your $4.919 monthly membership fee wilt be conveniently bitted to your Capital One' account unless you choose to cancel. Sign and return this form today to more effectively manage your credit with Creditlnform. © 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. Equifax is a registered trademark of Equifax Inc. "This quote was found at http://www.treas.gov/press/releases/js5i5.htm. The United States Treasury Department is not affiliated, connected, or associated with Capital One and does not sponsor, endorse or approve Capital One products or services. I understand that Intersections Inc. cannot accept authorization from any other person other than the individual joining the service and confirm that I am requesting my own personal information and no other. I acknowledge that, to ensure continuous service, my membership will be automatically renewed at the current rate, unless I tell you to cancel, I understand that Intersections Inc. is authorized undercontract with Equifax to serve the informational needs of consumers and assumes no liability for information con- tained in my credit file. I confirm that I am at least i8 years of age. Note: We cannot process your order without your authorization. Equifax and Imeresmiors Inc. are sddy responsible for this offer, and are cot affiliated with Capital One. Capital One does not provide or guarantee any product or service shown here. For inquiries about this produce or if You wish to bill a different credit card, call 1-966226-3745. By responding m Ws offer, you may be communicating information about yourself to the company that provides this product--tor example, Inert you are a Capital One customer. The Credtlnfomt aeMce is available to only one cardholder per account. 8 O i O rr N N ppeeriodic rate. To obtain the average daily Whence for the big kg period covered by this satemsrtt, we take the beginrang balance of each segment each day, add any new. transaction. to each moment, and subtract any paymona or credits. (If the We N appears m the from of this statement neg 1. -Balance Rate Applied To; we also suttrect any utpaid finance Merge included in the balance of each saggm t) This gives u the daily balance of each segi mem. T1ten we add up all the daily balances for each segmco for the tilling period and divide by the total number of days in the billing period. This gives to the vetage daily balance o1 each segment. 3. Are ued Prositags Robs IAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR' on the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S Mankcard Prime) appeals on the from of this statement next to the periodic rate(s), the periodic rates and ceneaprMng ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the atated indices, as found in The WaU Street Jaumal, plus the margin pprevhauslV diadoaed to you. These w1N he effective on rite flat day of your pe blNirg riod covered bV War periodic satemem erring in the menthe January, April, Jul and October. c. If the code D (Prime), r (1-mo. LIBOR) or G (3-mo, LIBOR Repriced Monthly) appears on the from of your waterers next to the pedode te(a), the periodic rates and correapmdrq ANNUAL PERCENTAGE RATES may vary monthiy end may Increase or decrease based m the stated indices, as fazed in The Wall Street Joumel, pits the margin previously disclosed to you. These changes will be effective on the fist day of your tiling period each month. 4. Auasanert of Later Overfadr ad Rabsnad Payrrrd Feat. Vmr account will he assessed no more than two of the fees listed here that occur during any billing period. Under the terms of your customer agreemem, we reserve the right to walve or net to assess any fees without prior nctificatlon to You without waiving our Fight to assess the same or similar fees et a later time. 6.'rRaawving Your Amount. If a membership fee appears on the front of this statement, you he- 30 days from the date this statement was mailed to you to odd paying the fee or to have such fee credited to you if you cancel your accent During this period, you may continue to use Your account without having to pay the membership tee. To cancel your account, you must notify us, by calling we Customer Relations Department and pay yyour -New Balance- in full (exduding the embers p fee) prior to the end of the thirty-day period. 6. If Yw Cktaa Yon Aoasrut. You can request to dose your account by cdlirg our Curemem Relatons panmon t. Vw =1t troy yoll ur credit cad(s) and accent access ncel a preeuherized Wiling, and cease usrt9 your account. If you do rat cancel preauthorized billing arrangements, we will consider receipt of a darge Vour rewhodzation to reopen ymr account. Additionally, your account will not he closed until you pay all amounts you owe us, including: any uarsectiones you lave autherizetl, finance charges, Pea due face, Few emit feea, retumed payment tees, cash advance fees and any other tees assessed to your accaum. you are responsible for these amounts whether they appear on your actors, at the time You request to close the account or they are incurred xbsequem to your request to dose the accent. This may result in charges appearing on your accent after you have your accost it it has already been dosed. For example, if You aurhodzed a p rc= from a merchant and ws receive the tran.acrion from the merchant after your accost has been dosed, your accont will be reopcted, the amount of the charge will be added to your accoau, and yyoauu WE be resporeihle for payment. If them I. a mambelship fee for your account, the fee will continue to be darrppeedd, to the extent permitted by law, un! the aces belartra las been paid in full as defined above. mot be 7. OF umdd In connection with any Internet gambling transaction. a. Nod- Abet BreatraYs cleaok Cawrs6n. Whop you provide a dleck as payment, You authorize us either 1. use information from Your deck to make a one-done decrohic fund transfer icon yon bank aoxxan or to Process this Payment as a deck transaction. When we use infommetian from Your deck to make an electronic fund transfer, finds may be withdrawn from your bank aoaunt a. tom as the same day we receive yax payment, and you will not receive Your deck beck from yam fnatda. irsunrtim. BILLING RIGHTS SUMMARY (In Case Of Enols Or Gireaderta About Your BIIO If You think your bill Is wing, or If you need more Information on a trarsactlm or bill, write to us on a separate Beet as soon as possible at the address for nquides shown on, the from of this statement. We must hear from you ne later than 60 dotep after we acs you the first bill on wtich the error or probem appeared. You ran cell our Customer Relations amber, burt doing ao whN rot preserve your lights. h your letter, give us the fdlowwng 'ntcmatlm: your name ant accost number, the dollar amount of the suspected error, a description of the error and an expl natim, if possible, of why you believe them is error; or If you reed more information, a descFiption of the hem You am :team about. You do nt have to pay any ama.n In queatbn while we are Investigating It, but y- am still obitgeled to pay the pans of your bill that are not in question. While we investigate your question, we carxat repo" you as delinquent or take any action to collect the amount you queatiore. 4,'r Special Rule For Cmdi Card Purchases If you have a problem with the quality of property or rvkes that You purchased with a credit cad and you have tried in goof faith to cores the problem with the merchant, you may have the right net to pay the remaining amour due on the p nV o aeMCea. You have this Prunection only when dot purchase pace was ho more than $50.00 and the purchase was made in your me Gate or whWn 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regarcless of amount or location of purchase.) Please remember to sign all correspondence. t Does rot apply to znnsamer awn-credit card accounts i Does mt apply to business con-crud& card accounts One supports information privacy prsection: am our at www.cap talona.com. Una li federally rap tiered service mark of Capital mcia rporatim. W gins reserved. a 2? One O1LGLBAK To- Orace Period, You All have a minimum grace period of 25 days without finance charge on new purchases, new, balance transfers, now special purchases and new other rose f atlte yup r total -New Balmre', in the Notice for payments below, and in time for it to be credited by Voter next statement doss to. There la ne grace period on cash advances and special [rasfeis. In addition' them Is no grata period nY transaction If you do not pay the total -New balartce.' b. A.erukg Fines Charge. Tran.actice which are not fans Che t date of there rannseaNon or 2) from the date tthe) transaction is processed to your Accost or 3) from the first calendar day of the current, billing period. Additionally, iilyou rid not pay the -New Balance from the previous rq period in full, fxaaee charges* tontine to access to your aped balance until the unpaid balance is paid in full. oia metre that you may stiN owe flare charges, even if You pay the. emirs, New Balance indicated on the from of your saement by the next statement dosing date, but did re, do so for the previous month. Unpaid finance dargss em eddatl ts tier eppi de eegnent of your Acecnt. tc. that your your aactcount an Fn Is CFrga. t to For a eeM Bihaarger, period a mklmum total RNANCa CHARGE CHWRGE of }00.50 will he imposed. If the total flnaree charge resulting fmm the ration of you periodic reels) is less than $0.50, A, wiN attract their amour from the $0.50 n iartm and the dffem re All be billed to the purchase, cot of You wcoun. td d? cot aReeduadare ssess ante charge. We reserve We bit rg period. Y or all fl= charges for any given 2. a veFinance raga Dally ltaBalanoe aleted b New Posdasesl. charge calculated y multiplying the daily balance of ch tent of your account (e.g., rash ace purchase, special transfer, and apedel purchase) by the corresponding daily periodic rate(s) that has been prevknsly disclosed to you. At the end of each dot during the Wiling period, we apply the daily periodic cote for each segment of your accent to the daily balance of each segment. Than at the od of the birkg period, we add up tho results of these daily calculations to arrive at your Periodic finance each charge for each segment. We add up the. segment to arrive at the total periodic finance charge for your stmts. To got the daily balance for each aegmctt of your account, we take the begkeing balance for each segment and add anyy new trarsactiorr and any ppere odic finance darge caialwed m the previous day's balance for that segment. We then subtract any payments or credits posed ae of that day that are allocated to that aegnmt. TNI gives u e the separate daily balance for eadn segment of your account. However, if you paid the New arises sawn m your pmNrs stareman in fill (or if Your new balance was zem o a credit amont), taw traireactions which post to your purchase or special purdase segments are rot added to the caiy balances. We calculate the average daily balance by adding all the daily balatces together and diyidig the ream by the number of the days in the current biting cycle. To talc lete your total finance Marge, n.AVV your average daily balance by the daily periodic rate and by de number of days in the billig period. Due to ranting on a daily bass, these may be a slight variance batwem this calculation and the amount of 1t "'Ay actueNy assessed. b. If the code r or N appears on the from of this ataemmt next to •aalarae Irate Applied TO,' we, middy the Irupertart Nuttloa: Your payment will De credited to ?rourr secant as of the data we receive h, provided you sad rite bottom portion of tits satem0.n and your deck In the ertcloaetl rusnittertce envelope, anti your palmertt le received n our proceaakg Gamer by 3 p.m. Paymerne addreeaetl to our Yrginle or Georgia processng cutter moat he received on a buekesa day N 0000 p. . ET. Payments addmsaed to o: WasNrtgem procesakg censer must be rxdvetl m a bualrtesa day by 3:00 p.m. PT. Pkaao allow at leas flue (5) bualrteaa days for postal ry. ayrnertta received by a at any other location or in arether form may not be. cradled the same day we. receive them. Our buainew days are Mrdoy throtugh Saturday, oxduullrg hdidaye. Please do net use sotplea, Paper di , ac. 'Mss peparirg Your payment. when you send us, a deckle), you avderize un to merits a ene•time decrrlc transfer debit nom your bank accam fen the emoan of Vs, dteek This, asherization applies to all packs received duFinp the Wlag cycle oven ii sent by someone dsa, It we carrot proceea the transfer, you authorize us to make a danger against your bank aoceurrt using the check a paper drab a other nom. Do you know what's o your credit report? test Creditlnform empowers you to manage your credit • G E et a customized, easy-to-read credit report that includes your credit score. enace eft" • Receive detailed quarterly credit updates. • See what influences your credit score with Credit Analyzer, an online interactive tool. fes . • Consult with Credit Education Specialists, toll free. NfM • Get up to $2,500 worth of Identity Theft Insurance. And much more for only $5.99 a month. See back for details. RISK FREE FOR 30 DAYS. LIMITED-TIME OFFER EXPIRES: 04/28/04. To respond to this special offer, simply complete this acceptance form and return it with your Capital One' card payment. Credit inform 579600 s•.-.,.oar E4uA1R" 5 (YES! 1 want to manage my credit with CreditInform including identity Theft Insurance. I r filing for rapibd Ones to forward this coupon, which includes myaccount number belling purposes. on my behalf to the company that Provides this product. I have read and agree with the important tames and disclosures on the back and authodze Intersections Inc., provider of Creditlm a m, to obtain my credit report and monitor my credit file at Equifae Name (Please print.) Signature (Require" XD?X - X X - ???? Saclal Security Number (Required-only nil in the last four digits of your number.) 729 SOUTHERN DR CATAWISSA PA 17820-8412 1000000074058389 12171 Capital oW- PL TIN A UM MASTERCARD ACCOUNT JAN 28 - FEB 27, 2004 5178-0522-0067-0905 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $2,051.58 Payments, Credits and Adjustments $100.00 1 23 FEB PAYMENT RECEIVED -THANK YOU $100.00- Transactions $17.37 Finance Charges $25.91 Transactions New Balanc 2 27 FEB PAYMENT PROTECTION 1-888-527-6904 $17.37 e $1,994.86 Minimum Amount Due 559.00 P Capital One proudly supports the National Youth Anti-Drug Media Campaign. ayment Due Date March 27, 2004 PARENTS. THE ANTI-DRUG. Total Credit Li Stay Involved - Ask Questions. To get the FREE booklet, "Keeping " ne $2,200 Total Available C dit Your Kids Drug-Free, call 1-800-788-2800 or visit www.TheAtiDrug.com- re $205.14 Credit Line for Cash $2,200 "Important Notice" You were mailed an Important Notice Of A Change In Terms in your Available Credit for Cash $205.14 February 2004 statement or were sent one in a letter from Capital One in February. If you have a ny questions, please call the customer service number on the back of your card. At your service To all Customer Relations or to report a lost or stolen -i 1-800-903-3637 Send Payments to: $md inquiries to Attn: Remittance Processing Capital One Services Capital One Servion P.O. Bat 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information This February Capital One is in the movies! Watch Ebert & Roeper to see their top movie picks and visit EbertandRoeperav to see how you can get involved and learn more about Roger Ebert's 6th Annual Overlooked Film Festival. Fu,ance Charges Pleam see revnse side for important information Bd * Periods. Cosrgspassdas 8 ' N goplirdh rate APR ?, IIAIZ 1O PURCHASES $1,459.19 .04082% 14.90% CASH $588.85 .04082% 14.90% $18.46 $7.45 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. Ca low, 0000000 0 5178052200670905 27 1994860100000059002 New Balance $1,994.86 Minimum Amount Due $59.00 Payment Due Date March 27, 2004 Total enclosed $ Account Number. 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 11111111111111 11111111 Richmond, VA 23276 111 111 n 111111111111111111 11111111 n 111111111111111 11111111111 N-eprirst-/,.gaddn,-41 e-male)a V-1,ebarm.66lvorblaku.E 6-t APL Y City Smte ZIP Home Ph.- Alternate Phone #9005956678636514# MAIL ID NUMBER HAROLD M STEEN13URG 729 SOUTHERN DR N T CATAWISSA PA 17820-8412 to ? u1111u111n1n111111n11111u1n1u111u111n111111n111u F Please write your mmunt number on yora gheck or moray order nadepayable to Capital One Bank -d -d in the end edrnvelope. CreditInform can help you make smarter financial decisions. When it comes to achieving your financial goals, there are few things as 30-day, risk-free trial period important as your credit. As a Creditlnform, member, you can monitor Join Creditlnform today and enjoy a 3o-day, risk-free trial period. If you the accuracy of your credit File with a personalized credit report do not call to cancel within 3o days, your $5.99 monthly membership obtained from Equifax, a leading credit reporting agency, fee will be conveniently billed to your Capital One' account . Enjoy exclusive benefits Your report includes your credit score, explanations of what influences your score and personalized credit information. You'll also receive join Creditin/orm to more effectively detailed quarterly credit updates online or via mail and get up to y $2,500 worth of insurance in the event of identity theft. Credit manage your credit. Education Specialists are available to answer questions or help you MAIL -•b Return the acceptance form with your card payment resolve a dispute. understand that Intersections Inc. cannot accept authorization from any other person other than the individual joining the service and confirm that I am requesting my awn personal information and no other. I acknowledge that, to ensure continuous service, my membership II be automaticaly renewed at the then current rate, unless I tell you ho cancel t uMerstand IhilnteaKdons Inc. Is authorized ostler contract with Equifax to seen ffie In(ormadonaf needs tha( o/consumers and assumes no IWbiBry for Information comelned fa my credit fife. I confirm at least t8 years otage. Note: We cannot process your order without your outfrarimflon. For Preferred Cardholders I am .This quote was found at http://www.tmas,sm/press/releases/js5a5.htm. The United States Treasury Department is not affiliated, connected or associated with Capital One and does no Cap fla7low, sponsor, endorse or approve Capital One products or services. 'A"1.yrr rrWli 0 2004 Capital One Services, Inc. Capital One Is a federally registered service mark. All rights reserved. Equifax is a registered trademark of Equifax Inc. Equitax and Imersectiore Inc. are sdely responsible for this offer, and are not affiliated with Capital One. Capital One does rot provide or guarantee any product or service shown here. For nquirios e6en this product or if you wish to bill a different credl cord, rill 1-686228-3745. By respondrg to this offer, you may be comrmrimting intimation about yourself to the cinpany that provides this prod cot--tor example, that you am a Capital One customer. The Cro dlyd omn seMce is available to only one cardholder per accent. sal O T O N periodic rate. To obtain the average daily balance for the billing period covered by this natemem, we take the begimng balance of each segment each day, add any new transactions to each segment, and subtract any paNnenta Of credits. (If the code N appears on the heart o this atatement nem 10'Delance Rate Applied To,' we also subtract any upefd Rnance charge included in the balartce of each segment.) TNa gives Us the daily halerce of each segment. Then, we add up all the daily balances for each aegnern for the filling period and divide by tie im" rainber of days in the billing period. TN. gives us the averaggee dally balance of each segnem. 3. Amuel Prortage ib fee (APRI. a. The term "Annual Percentage Rate" may appear as APR" on the from of this netement. I If the code P (Prime), L (3-Frio. LIBOR), C (Certificate of Deposit), or S (Benkcard Prime) appears on the tram of this statement next to the periodic rite(s), the periodic rant- and mreapidng ANNUAL PERCENTAGE RATES may vary quanedy and may immerse or decrease based on the sated hoes, as fond in The Wall Street Jw"W, plus the margin p g.ely disclosed to you. These =1 -All be effective on the flat day of your billing vered by your periodic matemom ending In the months January, April, July and October. c. Ii the coda D (Prime), F (1-mo. LIBOR) or O (3-mo. LIBOR Repriced Monthly) appears On the fran of you rums mern next to the pedodc rate(s), the MdT1 rates and cerreaporhdrg ANNUAL PERCENTAGE RATES may vary monthly and may Increase a decroese based on the stated ind it, as found In The We// Street J.-W, plum the margin proviesly dsdowd to yen. These charges will be effective on the firot day of your billing period each month. 4. Ass ssment o Lahr Overgnnl rind Returned Prymrt Feu. You eccoun will be assessed ne more than two of the tees farad here that occur during any billing pedod. Under the terms of your customer agreement, we reserve the right to waive or not to assets any fees without prior notification to you vAthout waiting our right to assess the same our arm, ri, fees at a later time. I,.tRanowtg Yau Auxwt. If a membership fee appears on the from of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your account. During this period, you may continue to uses your acmum without having to pay the membership fee. To rand your accent, you mart notify us by calling our Customer Relations Department and pay your "New Balance" in full (excluding the mombemNp inn) prior to the end of the thlny-day period. 8. N YOU Cbaa Your Assistant. Vou can request to does your account by calling our Customer Reliiw Department. Vou moat destroy your credit card(s) and smount access docks, mned all preauth ti billing, and cease usirh9. your account. If you do cot cancel preauthhorized bifiinp arrangement., we will consider receipt of a charge your authorization to reopen your amount. Additionally, your accent will not be dosed until you pay all amounts you owe us incuding: any tranucpw you have authorized, line = ,ding: past due fees, ovedimit feu, retumed payment fees, cash advance fees are any other fees assessed to your cant. You are respc=ble for mesa amounts whether they appear on your account at the lime you request to close tie account or they am Incurred aubsegtrem to you r request to dose the amour. This may r:dt in charges appearing on your amount after you have your accent if h has already been dosed. For ooampte, d you autorized a purc ow from a mardaam and we recd-, the transaction from the meream after your urathe has been dosed, your, amain will be reop-cf, the amount of the dirge wig be added to your acootrn, and yyoouu will be responsible for payment. If there is a membetahip fee for your acmuY[, the fee will mr bang m be char' ad to the extent ppemthted by law, uttg the accerg be in;- has bean Meld in toll a. tlatirsd above. 7. Using You AowurtYour card or amount cannot be teed k, came-t,m wkh any internal gambling tremaectiars. 8. Nodoe Abet E6 rtne" Cheak Conversion. When you provide a deck es payment, you auhorize tot either to usse information flan Your deck to make a orhe-tint dectmnic fund transfer from your bank accent or to process the payrnem as a (heck transaction. When we use Information, from your deck to make an electronic find transfer, fueffi may be wiredrawn front your bank amours, as soon as the same day we reoaive you payment, end You will not receive your deck beck from Your irancial itatinution. WILLING RIGHTS SUMMARY (In Case Of Enos Or Questions About Your Bill) If you think your bill is wrong, or if you reed more Information on a trarsactlm or bill, write to us on a separate sheet as wen as possible at the address for inquiries shown on the front of this statement. We roust hear from you no later than 80 days ,her we sort yen the firm bill m which the error or problem appeared. you con call elr Customer Relations number, but doing so Wit rat preserve your rights. In yin letter, give tae the following intimation: your name and accent number, the dollar smarm of the suspected ,tor, a description of the ,nor an Intel, or ity you n ono mom of .ty you balieye there is an the error; or it you need more i Y. do tim n, a tlewription of m hem you are wore ,bin. . Y. do net have to prey any amount in question while we are Investlgeting It, but you are still obligated to pay the pens of you. NII that are not n question. WHto to we investigate your question, we carnet report you as delinquent or take any action to collect the amount you quemon. T,t Special Rule For Credit Card Purdaces If you have a problem with the quality of property or Moe. that you purchased with a credt card and you have tried in good faith to contact the problem with the merchant, you may have the right not to pay the remaining mint due on the property or seMcos. YOU have this protecdon only wfien the purdax p1tt was more hthan is $50.00 and the Purdase was made in your home state or within 100 mike of your mailing addrew. 111 we own or operate the merchant or if we mailed you the adve risement for the property or :Aces, all purchases are covered regerdsea of ,mint or location of purchase.) Rinse rememher to sigh all correspondence. t D.O. rot oppty to consumer non-credit cord accounts i Does rot appty to business non-credit card ac count. One stpporta information privacy protection: toe our at www.ca talw.com. One is a rally r1mered service mark of Capital one al Corpo(ation. All right. roserved. o 20LGLB4K a 1. Haw To Azad A Fit-. Oftrge, ta. Craw period, you will have a minimum grace period of 25 clay. Without finance d,evw on new pundraws, new balance tmrska, new special Purchases, and new other . argea if you pay your teal "New Balance", in emodarce with Zia," ponare Norim for payments below, end in Arne for k creded by your next stetemern dosing date. Them is he grace penod on cash d.- and .pedal transfers. In addition, Mere la ne gace period any tmnsaction if you do rot pay tfa list 'New hal." rce " I Ammuft Fkvae Charge. Transactions which are not sugect to a gram period am as.eased finance large 1) from the date of the tra sectien i 2) from the date the trarseation is prop-sod to your Amount: or 3) from the film calendar ley of the cturrott billingftrmrnppeeriod. AdddmMly, if you did not pay the "Now Balance" the prevlotn billing period in full, firerce, charges continre, to accrue to your upa(d balance tall the unpaid balance is paid in full. TNa metre that you mayy I! owe frame changes, ever if you PeY the entire New Balance indicated on the from of You Kw mettt by the next statement dosing date, but did not do w fw the Previous; month. Unpaid finance dirges ddetl to the applicable segnarn of yin Amount. t c. you your mamount n Fkr is wa subject . to a For finance each bl lhaulrge, a a pe nF cat . ARG sad. if the tool RNANC NANCE CFiRP.RGE of 3O0.60 .50 will be unposedtotal finance tl he nearldrq from tls aptrg tiorr of year Periodic rete(d it less then 30.50, yvo wog subtract their amount fain the 40.50 milintun and the difference will be billed to the purchase em of your amount. d. Tarrperary Raduetion in ranaa t right to rot assess any or all finance tlaie?rfoor any giver, billing Period. 2. Average Daay Balr,w flnaar6g New Prahaawl. a. Finance charge is calculated by muNplying the daily halrce of each segnerc of your aoxxxrtt (e.g., rash by th ) eoe, puclase, spedal transfer, end sped I be ese by the mrhasposed drily periodic rem(g that t. been preNosly disclosed to you. he e the end of earn day during the biging rlotl, w ar""" to e apply the daily ate for eatl, aegi tem. Then at the end of the bill n period nwe add up the rarlta of those daily oaleletiw to arrive at your Periodic fir,rnm charge for eerh eaArhem. We add up the rooulu from each se4nent to arrive at the total Period. fir,r,ee d,arge for your trmouitt. To got the daily balance for sad, 9egltNam of your amount, we take the beginning balarca fir each sagnem and add any new traresecdon' and any periodic firhance odlarge mic[lmed m the previous data beknee for that aegrnmt, we den Zr= any payments i credo Mooed as of that ley that am allocated ro that seg„i,[. TNa gives os tie separete daily bill.- =:Z= your .moon. However, If You pdd V. on you prevlee ma-a" In full (i If your new balane, was zem or a credit amain), now trereaceore whit, post to your purchase or special Iwni,ase aephhema am not added to tie dally bplarc ss. We Ictulate tie average doily batrnce by adding ON the daily bekneea tagiler and dvidng the sun by the n+rbar of the days in the current bi'Yhg cyce. To mlrxlate your tot" firerce charge, multiply your average daily balance by the daily odic me and by the amber of days in the billing pled Due to rounding on e daily heals, there may be a slight -He- between this mlalmion end tie .,mien of I'a- dirge acmagy':eaad. b. f the code Z o N appal sm 4a front of IN. mmanmt next to "Balance Rate Applied To," we muledv tla b21 LYJ Irrprtrd rlotioe: Your peymem V11N be credited to your amount w of the tlate we racdve It, Provided you sad the bottom portlon of [Ise atatemuxtt aM your dick In the urclo:d romit[arce envelope, and ymr paymam is reCelvurd m our proca:khg tatter by 3 p.m. Paymeme addraeaetl to our Nrgirna or George promsakg oermer moat De recavatl m a budrssa day by 3:00 p.m. ET. Paymmta addresxd to our WaaNrgtm pocesaing uxrhter moat be rocdvad m a bualrau My by 3:00 p.m. PT. Please allow at lass[ flue (b) budrre: tlays for portal delivery. eymenu received by tae at any othha lomtion a fn another tourlt may rat ba cradled the same day we motive them. Qua bualreu days are Mahtley through Saturday, exdudirg helidaye. Rose do net lee staples, paper dips, etc. whin Preparing your paymam. When yen herd tae a Uhack(s), yea autlerize ua to make a ohs-lima doctnaic transfer debit irom your bank amour for the amount a the deck Tuna authorization epplru to all cecW removed tludhg tie billing cycle even if soot by aumew dw. Ii we carrot promo the trenster, you authorize us to make a chetlle against your bank auxxxm udng the deck, a paper daft or other ham. Now with FREE Accelerator • • for the first 11 monthsr-a ?BO value 97 a - 4 a month for first 3 months; $9.95/mo. thereafter SIGN UP TODAYI 2ie087-9669 OLD M ST RG 729 SO RNTtion Offer Code: EMERALD CATA PA 17 Or visit www.peoplepc.oom/go/emerald CapNflpl ow. Account S Previous Balance $1,994.86 Payments, Credits and Adjustments $100.00 Transactions $190.70 Finance Charges $24.66 New Balance $2,110.22 Minimum Amount Due $63.00 Payment Due Date April 27, 2004 Total Credit Line $2,,200 Total Available Credit $89.78 Credit Line for Cash E2,200 Available Credit for Cash $99,78 At your service To all Cwoma Relations or to report a lost or stolen card: 1-800-903-3637 Send payments to: Send mq=a to: Attn: Remittance Proctoing Capital One Service Capital One Serviea P.O. Box 85147 P.O. B. 85015 Richmond, VA 21276 Richmond, VA 232&5-5015 Important Account Information This month you will receive your 2004 Guide To Benefits, which sets forth all the additional benefits and services you may be eligible to receive this year. These benefits and services supersede any benefits and services provided in your 2003 Guide To Benefits or other additional benefits and services previously communicated to you. Please read and retain for your records. 003 peoplepc- online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Virus Protection Powered by Symante,- ® Pop-Up BlockerTM .@? Spam Controls amp ' Smarter smart Dialer Technology ® More Email Addresses d2w Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 FEB 28 - MAR 27, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 25 MAR Cap 1 ElectronicPhonePmt AuthDate 25-MAR $100.00- Transactions 2 10 MAR VAGABOND INN SOUTH BAKERSFIELD CA $80.42 3 13 MAR TWX JX2HUS`MERCHANDISE 800-586-7081 VA 31.88 4 17 MAR PETRO #6 LUBE CENTER CASA GRANDE AZ 50.00 5 25 MAR PAY-BY-PHONE FEE 10.00 6 27 MAR PAYMENT PROTECTION 1-888-527-6904 18.40 Families in PA EARNING INCOMES UP TO $43,240 per year may be eligible for low-cost or free health care coverage FOR THEIR UNINSURED CHILDREN. lfyou or someone you know has a child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost or free health care coverage programs in PA. Finance Charges Pletue me reverieriekfor important infbrrnation Balarre le ° pndiodu Carripondrrg ? ,gsplirdta rate IP I.IlAlt(iE PURCHASES $1,513.41 .04082% 14.90% $17 92 CASH $569.19 .04082% 14.90% . $6.74 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. Ca3ttalow- 0000000 0 5178052200670905 27 2110220100000063000 A'rarrprintmailingadaSrnanb r-mailrGmrgrbrGmmi?b! wb/anEiul: New Balance $2,110.22 Minimum Amount Due $63,00 sneer Apt Payment Diu Date April 27, 2004 ?? Smce ZIP Total enclosed $ H Home Plwne Alrernare Phone Account Number. 5178-0522-0067-0905 90 Emvl Addre? #9008856678636513# MAIL ID NUMBER Capital One Bank HAROLD M STEENBURG P.O. Box 85147 729 SOUTHERN DR Richmond, VA 23276 v CATAWISSA PA 17820-8412 m _ Me- write your aaoant number an yo check of money ordn Wade payable to Capital One Bank and mail in the ene1wed envelope. peoplepcie online u A better way to Intemet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.com/go/emerald PeopbPC is nobly responsible for this efts, and is not affiliated with CapNat One. Capital One does not provide, endorse a guarantee, and is not affifated with, any product or service shown here. Arty trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating Information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'Peo*PC Online: Rrat 3 months are billed n $4.97 per month; $9.95 per month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other filer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. tAcederstor is free for 12 months. Offer good for limited time. After the first 12 months, the Acoelareted Service will automatically revert to the standard PeoplePC Online service. Offer subject to change at anytime. With PeoplePC Online Accelerated, certain Web page text and graphics will load faster when compared to standard dial-up Internet service. Actual results may vary. PeophiPC Online Accelerated is only compatible with PeopePC Online Internet service and specified Windowsill) tvowsers. PeopIaPC Online Accelerated is not compatible with Windowsill) 95 with IE 5.5 SP2. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telepio a toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be charged at PeopeloCs discretion. Continuous use Subject to fineoud procedures. All use is subject to PeoplePC Onlire's Services Agmemerd and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. ® 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Captal One is a federally registered service mark All rights reserved. 8 O ? e} N N axing penoa covered by INS statement, we take the beginning belence of each segment each day, add any new Nene-nerar to each segmem, and awtrad any payments or credits. gf the code N appears m the from of this staftmorm near to'Belence Rate Applied To,' vve area, subtmcl any unpaid Ananee charge included in the balance of each are rr 1 This gives ns the daily balance of each wgmmn. T , yve add up all the dally balances for each Segment o ?thelbilin padod and ti by the total ggee dally balance of each Segment. period. This gives up the vera 3. Ansud Psro reaps Rose (APRI• a. The temp 'Annual tpenes, age Rate' may appear as APR' an the fron of Wa aretemerm. b. If the code P (Prime), L (3ino. LIBOR), C (Certificate of Deposit), a S (Bankcard Prime) appears m AN, front of INS ataternem next to the Pedodnc rate(s), the peri«Nc rates and corresponding ANNUAL PERCENTAGE R4TFS may vary quarterly and may increase or decrease based m lha "ad indices, as found in The Weil Street Jarmat pus the margn previaoy diaebxd to you. These Mseea vol" be eHecdve m Ne first day of Y . tilling pie covered by your periodic ststernenl ending In the months January, April, Jul and October. c. If the code D (Prime), F (l irro. LIBOR) or 0 (3-mo. LIBOR Repriced Monthly) appeal on the front of your statement next to the Pedodc rate(s), the periodic rates and comeepat6ng ANNUAL PERCENTAGE RATES may very nwMY and may incrcax or decrease based m the stated indices, ea found in T/e Wed Straet Jeur 4 Plus the margin pmv(ously disclosed to you. These changes will be effective on the first day of your billing period each month. 4. AsesarnaK of Los, Ovsrrro and Rshsnd payment Fsss. Your account will be assessed ns more than two of the fees listed here that occur dump any billing period. Under the terms of your customer agreement, %ve reserve the dgm to waive or net to ass any fees wfthaun prior retiNcatim to you without -114sseour right a saxes IC' he name or similar feel =!11 .p,e a on on It. frost ai thi Aeeourt. a membershipu fee 30 gdfe s Ifstatement, yo da days tram Abe date this statement was maildhavtoeyou to avold paying the fee or to have ash fee credited to you if? u caned your account. During 1Na period, you may c tine to use your accent vAth" having to pay the membership fee To rental your accam, you m notify ce by calling our Customer Reatims Departoatment and pay your 'New Balance' in full (excluding the membership fee) prior to the lad of the W ny-day period. 8. If Ym Clue Your Admixed. you can request to close yyour account by calling our Custaner Relatlora oepanmem. Vou moat destroy your .neon card(s) and ascant access checks, cancel all preaudodzed billing, nd cease using. your account. If you tb not cancel preauthorizd billing arrergemena, we will emaider receipt of a charge your aunlarizatim to reopen your accent. AddiNaally, Your acoam will not be dosed until you pay all amounts you owe us including: any transactions you have auro=H finance charges, past due fees, overlimit fees, returned payment tees, cash advance fees and any other fees assessd to your acco rn. You are responsible for lheae amartta rather they appear en your account at the time you request to close the account or they are Incurred subsaryem to yfaquaast to close the accent. This may town in charge. appearing m your account after you have your scleant if it has already been closd. For etrample. if you authori zed a purdase from a merdam and we receive the trarrectim from the merchant after your ccant has been dosed, your arcoure YAN be reopened, the amourn of the large war be added to your acaouM, and Voui II be maporable for payment. If them is a membership fee for your account, the fee will corrixs to be charged, to the redem permittd by law, udI the kYeult balance has been paid In full as defined above. 7. UWrg Year Aeenal.Yar card or account carrot be used In convection vath any Internet gambling trmmctb-. 8. Ned- About Elsetisrie Chsak Caravambi When you provide a Mack as payrrtats, you u a hi us rimer to usto in all train your deck to make a are-tore ecctmnI hid transfer fern your bank accourit or to prWasia the payment as a check traaaktim. When WB use Information from your check to make an electmric find trarafer, kinds may be wNdrawn from your bank wCUUIIt as seen as de sane day we receive your payment, and you wig not receive your check back from your financial inalttaim. BILLING RIGHTS SUMMARY (pin Case Of Errors Or Ouesdon i At- vas Bill) It you tt" your bill Is wrap, or if you need mom nfrxmallon m a transaotion OF bill, write to os on a Separate sheet as Soon as Possible at the address for fnqutiss ahovm on the front of this statement. We must hear from you no later than 80 days after we aan you the first bill on winch the error or problem appeared. You can call our Customer Rdatiaa r bar, but doing so WIN not preserve your A". pin vas letter, Poe W the following info rratim: your name and account amber, the dollar amount of the suspected error, a description of the enter and an mplenstim, rf poastble, of why you believe there I. an error, or if you reed more Information, a descdpim of the hem you am unsure about. You do not have to pay any amo rn in question wane we are investigating it, hurt you e still obligetad to pay the pans of your bill that are not in quesNm. WHIs vve investigate your olmsdon, vile caret report par as dellnquent or take any action to collect the amount you question. 1,t Special Rule For Credit Card Purchases If you haws a problem With the quality of property or xMces that you purdaxd vvim a credit card and yep have nod In good afm to coned the problem vAth the ammham, you may have the right net to pay the remairing t duo on eta properly or seMCss. Vou have Ws protecdm nay When tha purclase prix was more than 860.00 end the purlnese was made in your home more or Within 100 miss o1 your Aregi address. (if ve oven or operate the merodanL or if vie mailed you the advartlsemem ton the property or Services, all pure axs are covered R =,Fit"of amount or location of purchase eese remember to sign all correspondence. t Does not apply to consumer ron-credit card secants f Does rot apply to busfnass ron-crodif card accounts eu pvns information privacy pin tection: we our www,=pIs onexurn. I- a federally awred Service mark o1 Capital iAil Corporation. All dorta rearrYed. 0 2003 Were =S kat"T. xu t e. @aos Period. you will have a mirimun grace period of 25 dove without finance charge on new purchases, new balance transfers, new Special Punchy ee and raw other a:nce with the Important t Notice for e end in time fir it to redited below, by dosing date. Them is no gram your neat aadva period ,I cash advances arch special trsarers. In addition, there, Is ne pace period on arn encev tranawdm if you do rot pay the, total -New ha.' b. NF Finarre. charge. am a assoseed finance charge 1) imin ron t he date of the traraeCom OF 2) from the data the trsteaction is Processed to your Accot" or 3) from the firs calendar day of the crrae Will period. Additionally, if you did not pay the 'New Balance from the previous NNing period in fill, firnxee charges continue to scene w your unpaid balance urrl the unpaid balance fs paid in full. This means that you meal SIR owe Rama charges, oven if you pay the entire New Balance indicated on the free of Your statemerc by the non aatenrent cfoeirg date, but rid not do se for the Previous month. Unpaid finance charges re eddd ro da apple- e to. AAYrbnvarr Finnan tlrga For denitbN9rp pled . Your scows: is abject to a finance, large, a minrnun total !FINANCE CHARGE of $0.50 will be imposed. If the total flrernce the realtlnp fran tie aptPlieation of periodic rete(sl ' sent darn X0.50, we Yn0 subtract fiat am from the $0.50 mi imun and the differance vriU be billed to the puxrhase maziminat of yarn account. to. Tsnpaary Flsdurotian in Fnswa Charge. We reserve vie ripe to rot asseSe any or all fiance charges for airy given billing Period. 2. AVaaps Daly Rd- 11wI?q Nsw HraMaasl. aRaance charge is ulNated 6y multiplying the daily balance of each segment of your ocean[ (e. g., cash aMane, purtlax, apedal [rsrsfer, end apedal purdase) by the corresponding dally periodic rate(s) that has been Previosly duck aed to you. At the end of each day firing the hitting period, we apply the daly periodic ma for eech seg nett of your accent toth dally bearnce of each setlmerrt. Than at the end of the biNkg porfod, w•t; add up tie mai of Nees , daily celtslations to arrive o your periodic finance large for :It sagnadd tp the fi liaradnraegneni rive at .,,%- l periodic F; your stxnur. To get the only balance for each balance, for eeen of Your stxnutt, we take the beginning and arty periodic finsitce large calciI r on the previous day's balance for that Segments. We men subtract any Payments or cu>da postd ss of Nat day fiat am alAc ce tetl ro Nei aegnam:. Ilia puss co vie d tlally bounce for rand segnere of your accent. AA A However, If you peltl the New Balance shown en your previous etarement In fill (or if your new baaroa was zero or a credit aman0, now transactima which Post ro your purchase or special pumhaae segrerea are rot added to the dally balxoes. We ca: Wste the average daily balance, by adding all the daily Decrees tngedw and dviutirg ifs lam by the number of the days in the ounats bf6g cycle. To calalaa your tool Fi daily annce d a [e nand p you ar= ber r.,= ? ? charge, billing period. Due to ranting on, a dilly base, there may bar a 9Nprt vedarnce between tins calaletiOn and the amarv Of Rance large -Illy assessed. b. If the code Z or N appears on to front of Ws eta derem next W 'BaanC Rate AppNd To,' vve mu ilv the Irrportsd NWw; Your payment vAfi be cradtetl to your ecooum as of tie date war receive h, provided you end thne bottom pordm of Wa statemerrt and your deck In the endeared Day x3:00 m. ET? pa and your payment is recdvd in ou proceaskg came by 3 Pm. Pa}}mmerde addreead to our VirgrYa or Gxrgia procexirg cotter must Do rexivd m a budrax ley p YnrentS a resaetl to our WeaNrgtm proceaalrg uxnter mum be retxivd m a buWnese dal by 3:00 p. m. PT. Please allow at lean flue Ill) buSlneas days for portal delivery. Peal For reoeivd by us at arty otlar IoxNm a in areNsr form may net be credited Ua same day we receive them. Our bueinex days are Malay through Saturday, exduWng hafdaya. PIeaSe cafe net use etaplea, paler dips, etc. viler Preparing your payment. Wlan you card us a decals), you authndze u to make a rsne-time eledranc irarefer debit from your bank accuxrn for tha amount of the deeck Thia auihorizatim applies to all checks receivd during the bNlirg eyrie even it sent by awneane else. If vre carnet process the tranater, you auderize us to make a charge egairet your bent account usknp the deck, a paper draft or otMr item, r---------------------------------------------------------- , ---------------------------°---°--- 003 _ M.. Sh nw Mnm trnl 7 r 1 nArP I Special savings for Capital One, Cardholders! * on your next purchase when you use Promotion Code CAP66 , Save (See reverse for details) Save this code! Offer good all year long! Remember: Mother's Day is Sunday, May 141h HAROLD M STEENBURG 1-800-flowersiColl . Call 1-800-FLOWERS- (1-800-356-9377) or Click www.1800flowers.com today! Your florist of choice- L--------------------------------------------------------------------------------------------------J C PLATINUM MASTERCARD ACCOUNT MAR 28 - APR 27, 2004 5178-0522-0067-0905 Pagel of 1 Account S Previous Balance $2,110.22 Payments, Credits and Adjustments $114.95 Transactions $169.04 Finance Charges $26,84 New Balance $2,191.15 Minimum Amount Due $65.00 Payment Due Date May 27, 2004 Total Credit Line $2,200 Total Available Credit $8.85 Credit Line for Cash $2,200 Available Credit for Cash $8.85 At your service To call Customer Rdatiow or to report a lost or nolen me- 1-800-903-3637 Send Payment, to: Send inquiries to: Attn: Remittance Procesing Capital One Service Capital One Services P.O. Box $5147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Payments, Credits and Adjustments 1 07 APR Cap 1 ElectronicPhonePmt AuthDate 07-APR $114.95- Transactions 2 07 APR PAY-BY-PHONE FEE 3 13 APR MEDCO HEALTH FAIRFIELD FAIRFIELD OH 4 27 APR PAYMENT PROTECTION 1-888-527-6904 $14.95 135.00 19.09 Finance Charges Plewe rec revertetide for important inffor?mati`?on m Balax<r rate Periodic Corwryax derg A1CliY. .pplirdto rate AAPPR M PURCHASES $1,569.40 .04082% 14.90% s19.86 CASH $551.27 .04082% 14.90% $6.98 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2191150114950065009 New Balance $2,191.15 Minimum Amount Due $65,00 Payment Due Date May 27, 2004 Total enclosed $ Account Number: 5179-0522-0067-0905 Capital One Bank P.O. Box 85147 IlluuullJullnlJ Richmond, VA 23276 lulrlullnrltllu?l?llnllmllutllntllurllnrlln?llnrl Mrarrprixt mailixg oddrerr axb r?r.ailrl,.mdrs be! wn.6b/vrwb! k:x.E S-t Apt r City S.. ZIP Home Phone Alkrw, A- #9011956678636516# MAIL ID NUMBER HAROLD M STEENBURG N 729 SOUTHERN DR CATAWISSA PA 17820-8412 ° Lrtlllrrtll?rllrtlrlllrrlLrlnl?tLr?Ilrtl?LtllllrLtrllrtl r Pleme anite your account number on your check or money mdn madepT=ble to Capital One Bank and mail in the enclosed envelope. Get sweet savings on Mother's Day gifts for all the moms in your life I 1-800-FLOWERS.COM® always promises you and all HAtlQLBfOMT,E)W(i 72%WW1H& 16Wers artistically designed CAI''4R? osa3Nt77r'V8h*7 for delivery same day, any day •51 10/ ?t is o sot Is action and freshness guaranteed • The finest selection of flowers, plants, gift baskets, plush toys, gourmet foods and more • Gifts exclusively designed for 1-800-FLOWERS.COMO by leading brands you trust. 1-800-flowerslcom. Your florist of choice. 8 O on your next purchase when Save l 5 * you use Promotion Code CAP66 Save this code! Offer good all year long! Call 1-800-FLOWERS" (1-800-356.9377) or Click www.1800flowers.com today! 'Exclusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery rules and times. Items can be ordered online and by phone only. Offers cannot be combined, may not be available on all products and are subject to restrictions, limitations and blackout periods. Offer valid through 12/31/06. Prices and charges are subject to change without notice. Void where prohibited. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. Trademarks mentioned herein are solely owned by their respective entity. All rights reserved. 1-800-FLOWERS is solely responsible for this offer and is not affiliated with Capital One. Capital One does not provide, endorse, or guarantee any product or service shown here. By responding to this offer, you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital One customer rD 20061-800-FLOWERS.COM, INC. 1-800-FLOWERS.COM" uses Secure Socket Layer (SSL) encryption technology to secure its website, *If You wish to use a dfferem credit card, for questions or to cancel call toll free 1-800-927-9491. Youent pants era redeemable for savings offthe retail price of your selections plc the low rate shows. Allow four to ten weeks for magazines to star. I(a title ceases, it 11i replaced v4th are of egusl or greater value. Cancel anytime and valued a refund for userved issues. Valid credit cam required. Orders will be procesaed within tNny days of the expiration date. When you make a wlection, you become our lusd customer. ®2004 NewSut Magazine SeMces LLC (NMS), Four High Ridge, Park, Stamford, CT 06905 is the vendor and reserves the right to limit orders. Any trademarks mentioned herein are solely owned by the respective entity. NewSub Magazine Services LLC is solely responsible for this offer and is net affiliated with Capital One. Capital One does net provide, ardon e, or guarantee and is not affiliated with any product or service shown here. By respond ng to this offer, you may be communicat)ngg information abort service finerkeAlltrig?hhta rtesetrvpedvidea this product--for example that you ere a Capital One customer. ®2004 Capital One Services, Inc. Capital One is a fetlerally registered penodic rate. To obten the average daily balance for the tilling period cowered by this statement, we take the beginning balance of each segment each day, add any new transactions to each segment, and attract any payments or credla. Of the rode N appears on the from of Ilia statement next 10 "Balance Rate Applied To,' we also subtract any unpaid irerce charge included in the balance of each segment.) Tithe gives us the logy balance of each segment. Then we, add up all the dally batr=' tot each segment nent for theitlll period and dvide by the total m days billing period. This gives w the average dally balance of each segment. 3. A, M Pasoat.gs Rata IAPRI. a. The term 'Annual Percentage Rate' may appear as APR' on the front of this statement. b. If the code P Wdri L (3-mo. LIBOR), C Certificate of Deposit), a S (Bankcard Prime) appears on the from of this statement next to the periodic rate(s), the periodic rates and corteapen ing ANNUAL PERCENTAGE MTES may vary quarterly and may increase or decrease based on the orated indices, as fond in The Wall Stzeet Journal, plus the margin previously disclosed to you. These Changes will be ettwow On the first day of your Covered by ? billing :n the mmoldha January, April, July and statement c. If the code D (Prime), F 0-ine LIBOR) or G (3-mo. LIBOR Repriced MeniNy) appears the from of your summa t reset to the pedodc rate(s), the pedodc rates and comspordng ANNUAL PERC N AGE RATES may very menWy end may increase or decrease based on the Mated irdcea, as found in The Well Street Jbiam, pis the margn Dreviousy dsdased to you. These charges will be effective on Hoe first day of your hitting period each mash. 4. Aswrnant of Late, Ov~ WW Rabamd Paynrt Fs«. Your eccorm will be assessed no more than two of the fees limed hem that occur during any billing period. Under the terms of your cuManer agreement, we reserve the right to waive of net to seams any fees without prior redfleaden to you without waiving our right to assess the same or similar fees at o later time. 6.lnasaw+w You Aacoa t. If is mamba ship fee appears on the front of this statement, you have 30 days from the date this statement was mailed to you to avoid peyirq the fee or to have such fee credited io you if you card your account. During this pedal, you may tontine to use, your account without having to pay the membership fee. Te caned your aceotm, you cowl notify us by calling our Customer Reistions Depanmam and pay your 'Now Balance' in full (exlu ing the membership fee) prior to the end of the thiny-day period. B. If You Class, Year Account. You can request to dose your account by calling our Customer Relates Department. You must destroy your erect cam(s) and aunt acceae docks, card ell preauherized tilling, and cease usir 9 your accost. If you do net cancel preen rrzad blllp arrangements, we will coneder receipt of a charge Your authorization to reopen your accent. Addtionelly, your aceout will net be closed until you pay all amounts You owe us including: any veraactiare you have euthodzed, flnarhce charges, Pam duo fees, owdimit fees, resumed payee fees, ceah adverse fcea and re any other tees assessed to your aceoum. You are sparxible for these amounts wirwher they appear on your accost at the time you requital to clew the accent or they are incurred atsepom to Your requeM to dose the account. This may result in charge. appearing en your aceouam after you haw: your accost if it has already, beef dosed. For exam0 d you authorized a purchase from is merdarx and sure receive the trareaction from the menclam after your mootatt has lam dosed, your accost will be reopered, the amount of the large wig be added to your account, and you Will be reaponsible for payment. If them is a membership fee for your amount, the fee will concha. I be Uharged, to tfe m¢mt ppennbted by law, uWl Uhe ace . baa77eernc. hae been palA n fill a9 dewed above. 7 weld In ?cnne A00ount.Your card or don w4th any Into gamcannot tureectio s. 8. Ni Ab. t MaeOyrse chiral, craw-alon. When you provide a deck as payment, yo auterize, us older to use infoanation from your deckuto make a one-time electronic ft" transfer from your bank aaxm.t or to procex the payment as a deck trarsactim. When wo use tlan from you Lack to make an eledmnic fW tM`e9 finch may nc wdtawn from your bank acceux es nom x thIe sea leyxd we receive your payment, and you wall not receive your deck back from your Frandal institution. BILLING RIGHTS SUMMARY (In Caw Of Exton Or Guestias About your Bill) 11 you think your III iswr ong, or ii youruedmore imit rmaten on a rsactlen ar till, wen to us on a separate sham eaonthe men as pesaltle at the address for =ni sewn front of Chia Maim mt. We must leer from you ne later than 60 day afar we stem you the firm bill on wfich the error or problem appeared. You ten tell our Cusomer Relations curter, but doing se will not preserve your rights. In your letter, give us the following mtortnatim: your name and accent number, the dollar amount of the suspected error, a dewriptien of the mot end an explanation, if possible, of why you be ieve there is an error, or if you reed more intonation, a dose' en of the hem you are unsure abort. You do rat have ix pay any amount In question v"e we are in getirg it, but you are will obligated to pay the pans of year d'll that are not in question. VJNle we Investigate your question, we greet report you as delinquent or take any action to collect the amount you question. i,t Special Idle For Credit Card Purchases If you have a problem with the quietly of property or Mces that you purchased with a credit card and you have Ided in good faith to correct the problem with the merchant, you may have the right root to pay the remeiNng amount dus on the q try or se Aces. V- he- this protecllon oniy elan the pumhase price was mom than 350.00 and the purdase was made in your home state or Within 100 miles of your malting addrese. (If we oven or airmate ft merchant, or if we mailed you the advertisement for the property or services, all purthwas are covered regarci M amount or location of purchase.) Flows remember to sigh all comespe rdonce. t Does sot apply to caxtanar noncredit card ace-va z Does net apAly to beds ,mss e,,-dit card accounts One supports Information privacy protection ace ou at www.captalora.com. One is a federally registered service mark of Capital andal Corporation. All right. reserved. a 2003 Orxe 01 LGLBAK 1. Fie. To Avid A Frrarmi Chili -- a. Oraos Irsi You will have a minimum grace period of 25 days wk ho tt flrerce charge on now purchsses, new balance marafers, raw special pure eves and new other charges if with thItcrta Important 'New Notice for pan in below, accornd in time for it to be cracked by your ca smtemat tloakhg grace period ash advances and ey, be [rassfen. In addition, there Is no gram period an m y trareactim if you do not pay the total 'New isrhce.' b. AaarWng F1- Chassis. Transactions which am rot swleot ro e grease pafod am asaesad Mance large 1] from Coe da[e of the tmreaeten or 2) from the dere the transaction is promised to your Accant or 3) from the first rely dar day of the ctrraht bilill period. Additionally, if you did net pay the -New Balance from the previous billing period in fill, finance charges continue to accrue to your unpaid balance until the unpaid balance is paid in full. This mesa that you mayy arig owe fiance clharg. even it you pay the entire New B?alerhce ndcmed on the Iron[ of your matemem by the new: statement dosing date, but dal rot dose for the prevlon month. Unpaid fkame largos aegnertt of You. tc. :==,= belling pedalAtxoue that your acwue IisktJect to a finance charge, a miNmun [oral FINANCE CHP.RGE of 90.50 w91 be "Posed. If to total fiance rM nesutkq from the netien of ynu periodic meal is dhah 30.50, we wit subtract thatr anoutt feet the $0.50 miNmun and the difference will be bifhe purdase sapr?rot of your acmuse td. Ti onpasary Hadumion ih Fnanes Orgy, We re.serve the light to not assess my or all finance charges for any given billing period 2. A-ii Dr iy e.1-mi IlralWiha yaw grtlhu«I. a. Finance charge is ca 1.w y mt"Fpw1g the daily balance of each segment: of your account (e.g., cash advarrice, purchase, by the corteapondng special y podogc mand ) special that has ? ) been previously disclosed to you. At the end of each doty during the Burg paced, vote apply dot dally petalc rate for each aegnmt of your aewnt ro the dally bdahce of each =mt. Then at the end of the biding period, we add up the results of these daily calculations to antve at yew periodic firsnce, large for each aegrrm. We add up thho cress lts ct earth n9egnrxht to a.- at the total periodic fine roe your accour. To get the daily balance for each segment o yo f your accent, we take the beginning balance for each sag e t and add anyy new traraactiaa Lrid byalance =,= ?? celred en the previous Y hom. We then 81t[ m payers or c« of that day tam a rsotre alloyceted to that segment. This gives us the separate daily be[- forweach at#natt of your a-. However, if you ppaeid dot Ne Balance shown m your previous statement In NR (or if Your now balance was zem or a trod[ amount), new tra to actioro wthicr poet to your purchase or special elctic? w the?m? a mainot l added tt the elegy belarea. We balances together amid dividing by hall the cagy ding the bsun adding the ember of "Is the days in the Murat bang cycle. To Calculate your total finance charge, multiply your average deiY balance by the clad pedodc ram and by the amber of days in the biting pad d Due to rouhdtq on a dally besot, tf_._ meV. be ei a ght variare between, die relot/aton end Ire amoutt of Oren s, charge, actually aesewed. h. If the code 2 or N appears mono from of this statement next re '"ai Rate Applied To; we muldply the Irrpastast Nstlos: Payments you mall tow 1411 be traded to your aoceunt as of the buanes day we receve provided (1) you send insect bottom portion of tlia statement and your pack In the erlosetl nrnttance mvdape and (2) your peyem is tax; ved n our proc aatrp caner le 3 p.m. ET (1h, 2 mewl PT). Please allow at loam A- (5) buairesa day. for very. Paym[s received by w s any otter lam or m any other farm may not be cedtad as of the ley we receive them. Our buwrnas days aw MmMY 1Mwgh Satuday, a=, delixdutl hdidaye. Haas do net trw MaPI«, paper dips etc. Wien PreParirhg r payom. Wirt you send us a deckle), you autlerize w to make s ore-sure aectronic transfer debit iron your bank accoutt for the smarm of the check Thia authorization a tee to all deck. momved during the billing cycle even it amt by aemeae elw. If vote cannot process the Vareter, You authorize w to make a charge agalmn your bank accent wing the deck a Paper draft or other hem. 584000 - AIR I TEIIISPECTIORL_ OBLIGATION AND NO TERM/NIX CONTROL FROM TERMINIX! No Bugs. No Hassles!" AS A CAPITAL ONE' CUSTOMER, o WE ARE PRESENTING YOU THIS OFFER: o / Save 209!o' on a Customized Terminix Termite Plan and protect O your home with the Terminix "Problem Solved" Guarantee"" , IT'S TERMITE SEASON. TERMINIKEM. KEV CODE COTXT02 PLATINUM MASTERCARD ACCOUNT APR 28 - MAY 27, 2004 5178-0522-0067-MS Page 1 of 1 Aooount Summary Payments, Credits and Adjustments Previous Balance $2,191.15 1 27 MAY Cap 1 ElectronicPhonePmt Aut}1Date 27-MAY f100.00- Payments, Credits and Adjustments $100.00 Transact:lons $28.70 Finance Charges 526.% Transactions 2 27 MAY PAY-BY-PHONE FEE $10,00 New Balance $2,146.81 3 27 MAY PAYMENT PROTECTION 1-888-527-6904 18.70 Minimum Amount Due $64,00 Payment Due Date June 26, 2004 Total Credit Line $2,200 Total Available Credit $53.19 Credit Line for Cash $2,200 Available Credit for Cash $53.19 At your service To call Customer R&tions or to report a lost or stolen card: 1-800-903-3637 Send paymmu to, Send inquiries to. Attn: Remittance Processing Capital One Serviors Capital One Serviors P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 1' umce Charges Plexelee rever;ejide for important information rat Periods Carrrsponding ?? ? dto fir AAPR ]~ E PURCHASES $1,644.31 .04082% 14.90% $20.14 CASH $SS6.85 .04082% 14.90% $6.82 ANNUAL PERCENTAGE RATE applied this period 14.90% V PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2146810100000064005 New Balance $2,146.81 Minimum Amount Due $64,00 Payment Due Date June 26, 2004 Total enclosed $ Account Number. 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 Illnnulll111IInIlI Richmond, VA 23276 III III IIIIIIIIII IIIIIIIII IIIII IIIIIIIIIIIIIIIIIII IIIIIIIIIII II Pleare vniteyorv account -her on y- Plrarrprintowi/,'ng.•, sra? r-nwi/r) grr br! unsrdb/w orblark ink 6u Apt Y City Sax ZIP Home Phone Alxmsce Phone #9014956678636513# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 ? II II IIIII IIIIIIIIIIIIIIIIIII IIIII II III IIIIIIIIIIIIIIIIIII II III :beck or money order made payable to Capital One Bank and mail in the enclared envelope. r Call 1.866.270.3845 SHM/f/M. Ca"pitalOne' what's in your wallet?- to order. No Bugs. No hfassles° 'Offer valid only on Terminix purchases made through 1-866-270-3845. Offer is contingent upon an inspection of property, state of residence, presence of termite activity and construction type. I nspection and approval from Terminix is required. Valid only at participating locations. Offer cannot be combined with any other offers or discounts. This offer is not valid if you have a current Terminix Termite Plan. Excludes drywood termites. Offer must be presented at time of purchase to be eligible for discount. Free termite inspections are not applicable for real estate closings. Offer is void if transferred and where prohibited. Any other use constitutes fraud. Cash value 1/100 of 1 cent. Offer expires 08131/04. "Home must qualify for termite protection plan and unlimited lifetime damage repair guarantee. Certain limitations, restrictions and conditions apply. Refer to the Terminix Termite Plan for limitations, restrictions, terms and conditions. For details regarding the Terminix Guarantee, consult your local Terminix professional. KEY CODE COTXT02 8 O O o G N N pedodo rate. To obtain the average daily balance for the billing Period covered by this statement, we take the hegmrg balance of each segment each day, add any new transactions 10 each segment, and attract any payments or erects. (It the code N appears on the from of this statement next to 'Balance Rate Applied To,- we also attract any unpaid finance charge included in the balance of each segment.) This gives us the daily balance of each segment. Then, we add up all the dally balances to each segment for the doing ppeeriod and divide by the total number of days In the bllilng period. This gives us the average daily balance of each segment. 3. Amyl Prerdps Raps fAPRI. a. The term 'Annual Percentage Rate' may appear as APR' on the tram of thia stelemem. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appears on the from of this statement next to the periodic rate(s), the pedock urea and correapandrmg ANNUAL PERCENTAGE IiATFS may vary quart erly and may increase or decrease based m the stated indices, as fond in The Wad Street Joumel, plus the margin pprevioualy disclosed to you. These chsrgea will be a active on the fist day of your billing period covered by Your periodic statement ending in the months January, April, July October. c. If the code D (Prime), F it -Mc. LBOR) or G (3-mo. LIBOR Repriced Monthly) appears on the tram of your statement next to the periodic rate(s), the periods 'sty and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase oc decrease based on the stated indices, as found in The Well Street ?aumal, tabs the margin previously disclosed to you. These changes will be effective on the first day of your billing period each month. 4. Assessment of rate, OvriNC rd Rebored Paymrt Fen. Your account will be assessed no more than two of the fees listed here that occur during any billing period. Under the terms of your customer agreement, we reserve the right to give not to assess any fees without prior notification to y without waiving our right to assess the same or similar fees at a later lime. 6.tRrheavig Your Accent. if a membership fee appeals m the from of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such tee credited to you if you cancel your accent. During this period, you may continue to use your accent without having to pay the membership fee. To cancel your amain, you must notify us by calling our Customer Relations Department and pay your "New Balance' in full (excluding the membership fee) prior to the end of the thirty-day period. 6. H You Close Yanr Account. You can request to close ycar account by calling Our Ctstaner Relations Department. You must destroy your credit cadle) and accent access checks, cancel all preauthedzed billing, and cease usimq your account. If you do not cancel r wherized billing arrangements, we will consider receipt et a charge your authorization to reopen your account. Additionally, your account will not be dosed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, paw due face, ovedimit fees, returned payment fees, cash advance fees and any other fees assessed to your accent. You are responsible for these amounts whether they appear m your account at the time you request to close the accost or they am Incurred su6satimm to your request to dose the amain. TN. may mutt In your acoournt if it has already been dosed. For exmple, if you authorized a purchase from a merchant and we rmeive, the tray eactim from the merchant after your accent has been closed, your account will be reopened, the amount of the carpe will be added m your ax:ant, end yyoouu will be responsible for payment. If there is a mombeship fee for Your account, the fee will continue to be charged, to the extent pemitted by law, udl the accent balance has been paid In full as defined above. 7. lfig Your Ae.ouat.Yor card m account cannot be used in correction with any Mennen gambling transactions. 8. Notice About El..bmic Cheek Oomrdon. Whan you provide a deck as payment. you auhodre us either to use information from your chock to make a one-time electronic fud tromfor from your bank accent or to process the payment as a check trasactim. When we use information from your cock to make an electronic find transfer, finds may be withdrawn from your bank acceunt as som es the same day we receive you payment, and you will rot receive your check back from your financial )retitutim. BILLING RIGHTS SUMMARY (n Case Of Emors Or Ouesdons About yen Bill) If you ihnk your bill is wrong, or if you reed more Informatim on a usteacticn o bill, write to us m a separate sheet as soon as possible at the address to ingulries dawn on the front of Fill. statement. We tract rfrom ym later problem appear dY you the first hill on vAidm the error our You can mil ours Customer Relations number, but doing on. will not preserve your rigaa In yet letter, give us the following information: your name and accent number, the dollar amount of the suspected error, a descripdm of the error and an explana tion, if postibie, o why you believe there is an error; or It you reed more Information, a description of the hem you are unsure about. You do not have to pay any amount in question whsle we are invewlgati it, but are still obligated to pay the {arts of your bil that are rat In question. While we investigate Your question, we must re)on you as delinquent or take any action to collect the amount you question. 4,t Special Rule For Credit Card Purchases If you have a problem with the quality of property, or services that you purchased with a credit card and you have tried in good faith to mmect the problem with the merchant, you may have the right rot to pay the remaining anent due m the progeny or services. You have this protection only `Mart the purchase price was more than 050.00 and the purchase was made in your home mate OF wfthn 100 miles of your mailing address . (If we own or operate the merchant, or if we mailed you the adverdsemem tar the p rry o services, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all correspondence. I' Does not apply to consumer noncradit card accounts 4 Does rot apply to busfness ron-credit card accounts r support. nfortnatim privacy protection: see ors www.caprtalone.com. r is a federally reepqmerrd service mark of Capital ial Corporation. All Agra meryed. a 2003 OiLOLBAK t a. (rase Period. You will have a minimum grace period of 25 days without finance charge on nevv pumilases, new balance varsfers, new special puraem and new other charges if you pay your total 'New Balance-, in accordance with the Important Notice for payments below, and ih time for it to be credited by your next stmemertt clod dote. There is no grace period m cash advances and apedal transfers. In addition, them Is ro grace period any tp-actim if you do not pay the Local -New balernce. b. Aewsig Fuse. Charge. Trarsactlas wNrih are not st?Ject to a gram period areassessed finance dhage 11 flan Cite date of the transaction or 2) from the date the trmaacdm is processed to your Acewn o 3) from the first calendar of of the current hillier period Additionally, if you rid rot peY don -New (ialanCe flan the previous billing period in full, finance charges continue to accrue to Wtr aped balance until the unpaid balance is paid in full. Thu means that you meyy Will owe Frahm merges, even if You pay the entire New Baines indicated m the from of you statement by the next statement dosing date, but did not do so for the pnevlas month. (hpald finance charges segment of you Aa:artt' t c. :==,=. c c baling period that you Recmus 1 i. s abject to a finance carpe, a ed. minimum [oral RNANCE CHARGE of p0.50 .GO will be Imposed. tlhe the total finmca don reaitkg from don V-dm of your periodic rate(s) is Jose can §o.50, wt: w{Y subtract that arrant from the 00.50 mnknum and the difference will be billed to the purdase em of you acmua. t d. Tar prry Reduction In Fnnw Charge. We reserve the Fight tom assess any w all finance Barges for any given billing period. 2. Avrage Daily Bd- Inakrdrng Nsw Puehirseal. a. Finance charge is calculated y multiplying the daily balance of each sagrent of you account (e.g., cash advance, purchase, special tarher, and special purchase) by the mmosponding daily periodic rate(s) that has bent previously disclosed to you. At the end of each de dudnnpp the Nlling pedod, we aptly the dally periodic rate for each segment of your account to the deN'y balance of each segment. Than at the end of the bung period, vve add up the results of tfeae daily calculations, to arrive at your =rl franca chharge for each segmom. We add up the result tram each segment to arrive OF Ce Coal pedodc finance charge for your account . To get tie daily balance for each segment of you accent, we take the beginning balance for each sagnertt and add any new traaactiom and mype iodic finance large calalar an the previous day's balance for that segment. We than subtract any payments or credo peered as of that day that am allocated ro Cat segment. TNa gives un the separate dally balance for eadn segment of your amen, However, if you geld the New Balance alhown on yon previous --- In hlI I. if you new balance was tom or a credit am-sal, nswv transactions, which post to your purchase o spacial bod-ces. We calculate bi te average daily bmerc t e by adding all the daily balances togeder and dividing the sun by the number of the days in the current bung cycle. To calculate your rota finsrrx tlarye, multidV Your avenge deiV balannce by the defy peiodic veto end by rte nrnber of days in the biting tamed. Due to routing m e daily bees, there may be a sight varienm between Cie mlaletlm end the errant of firance carpe amMy ascessad. b. If the code 2 o N appeal on the front of this statement next to -Bola- Rate Applied To,' we multiply the 52557S krpatan No1be: Payrrranmc you mall to us will be crewed to your account as Of Ce business day we receive It, provided (1) you send the bottom portion of this cu temom and your check n the anhdoeed remt[taree mvabpe and (2) your psysnom is recdvod In ors proceselng caner by 3 p.m. ET (12 noon PT). Pkax allow at leant Ave (5) business days for postal delivery. Peymrmu received by tae at any oiler koation or in any ogsr Conn may roc bon cndted as of the day we receive them. Our business day. are Monday through Saturday, excluding holiday.. Please do rat tree hataplee, paper, cl? etc. when preparing your payment. When you sad us a deck(.), you authorize us to make a orm-time electronic transfer debit Fran your bank account for Are ,=plea merce of the deck This authorizatm apples to all checks received during the billing cycle even it earn by someone else. If we cannot process the transfer, you authorize us to make a large against your bank account using the deck, a paper draft or other item. ii CAW V Account S First 3 months half-price 97* thereaner 4. j=FREEAcceleratoe --?? r»rw.4Awa.a SIGN UP TODAYI ' 1-877-778-1207 2 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal Previous Balance $2,146.81 Payments, Credits and Adjustments $64.00 Transactions $88.15 Finance Charges $2729 New Balance $2,19825 Minimum Amount Due $65.00 Payment Due Date July 27, 2004 Total Credit Line $2,200 Total Available Credit $1.75 Credit Line for Cash $2,200 Available Credit for Cash $1.75 At your service To csA Cwtomer Relatiom or to report a lost or stolen card: 1-800-903-3637 Send Payment. to. Send inquiries to. Attn: Rcnitt-ce Processing Capital One Services Capital One Serviar P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 21285-5015 peoplepr- online U A better way to Intemet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerTM Spam controls ® Smart Dialer ® LW More Email Addresses ® CO Internet Call Waiting PLATINUM MASTERCARD ACCOUNT MAY 28 - JUN 27, 2004 5178-0522-0067-0905 Page 1 of 1 Payments, Credits and Adjustments 1 25 JUN Cap 1 ElectronicPhonePmt AuthDate 25-JUN $64.00- Transactions 2 25 JUN PAY-BY-PHONE FEE $10.00 3 27 JUN CAPITAL ONE MEMBER FEE 59.00 4 27 JUN PAYMENT PROTECTION 1-888-527-6904 19.15 -Important Notice- Your account terms have been adjusted as previously disclosed. All other terms and conditions remain in full force and effect Finance Charges Pkae see reverse fide for important information a< Prdu Cwr<.rpmrdircg EWE R d .n PURCHASES $1,604.50 .040824 14.90% 120.30 CASH $55217 .04082% 14.90% $6.99 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2198250064000065004 Ple-p-t erra7l'>:gaddrcsr med or r,rvilrl ?<s be! -,rW -,Work mk New Balance $2 1987 Minimum Amount Due $65.00 9- Apt q Payment Due Date July27, 2004 City Srace ZIP Total enclosed $ Home Phone Altaaau Phone Account Number: 5178-0522-0067-0905 Email Add,- Capital One Bank P.O. Box 85147 111nndJ1IuJJn1 Richmond, VA 23276 1116111 1111.11111111111 11111111111111 111111 166.16111111111 #9017956678636510# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR r°y im CATAWISSA PA 17820-8412 r Pk are writey-..cunt number m your check or money order made payable to Capita! One Bank and mail in the <nrlared envelope. I?oypp?lgpc.. online 729 SOUTKawDR A better way to Internet. CATAWISSA PA 17820-8412 UNLIMITED INTERNET ACCESS SIGN UP TODAY1 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal PeopksPC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does hot Provide, endorse or guarantee, and is not affiliated with, any Product or service shown here. Any trademarks mentioned herein are solely owned by the respective antiry, All rights reserved. By responding to this offer, you may be communicating Information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'Peopli Accelerated: Kirsh 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. 12-month commitment required for PeoplePC Accelerated, Month-to-Month pricing with no term oommitment is $14.95 for PwplePC Accelerated; $9.95 for PwplePC Online without accelerator technology. Offer avedabe to new dial-up subscribers at least 18 years of age and may not be redeemed nth any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. tWith PeoploK Online Accelerated, certain Web page text and graphics will load faster when compared to standard dial-up Internet service. Actual results may vary. Service not available in all areas. Access fees, taxes and other fees and restrictions may apply. Plane technical support available for $1.95 per minute. For questions, call toll-free at 1-888-5TRYNOW. 02006 Pwfi Inc. POOPIePC Online and the Peopi Logo are registered trademarks of PeoplePC, Inc. Trademarks are properties of their respective owners. All Rights Reserved. Service not available in all areas. Access fees, taxes, arid other tow and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at Peoplei discretion. Continuous use subject to fimeout procedures. All use a subject to Peopi Onini Services Agreement and Acceptable Use Policy. 56K is is maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are trademarks of Peoplai in the U.S. and other countries. 0 2006 Capital One SaMtxas, Inc. Capital One is a federally registered service mark. AN rights reserved- CIS 8 0 l 0 N pedoeic rate. To obtain the average daily balance for the fling Period covered by thia statement, we take the baresse 9 balance of each segment each day, add any new of crectone to each segment, and sLLtrac any payments or credits. (If the code N appears on the from of this statement next to 'Balance Rate Applied To" we also sUbtraot any Unpaid Inane charge included in the balance of each Segment.) This gives us the daily balance of each segment. Tfkn, we add up all the daily balances for anch wgrEem I dew iltl g WIN od and divide by the tmal ram Vs in erg period This gives us the a¢ge dally balance of each segment. 3. And Preahtags RaGS IAPRI. a. The tent 'Amual Percentage Rate' may appear as APR' an the from of this statement. b. If the code P (Prime), L (3rrlo. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appeam an the from of this nnemen next to the periodic ure(a), the pedodo name all corresponding ANNUAL PERCENTAGE RATES may vary gwrtedy and may rnoreas or decrease based on the stated indices, es food a The Wall Street Joami plus the margin previously ddeudosd to you. These ohengea wit be effective m the flrst day of your billing perriloodd covered by you periodic nalement ending n the months January, April, July and October. C. If the code D (Prime), F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced Mani appears m the from of your statement new to the pedodc rate(s), the parricide rates wand corresponding nANNUAL PERCENTAGE RATES may y ink ease or decrease based on the stated rndcea, as found in The Widl Sheet J-1, ph us the margin prevloualy disclosed to you. These changes will be effective m the first day of your billing period each mach. 4. A:supnsat arf I.aG, 0-1 and Ridushad Psynn ed, F.a i Your account will be assessed no more than two of the fees listed here that occur during any billing period. Under the tens of Your customer agreement, we wamr a the right to i or not to assess any fees without prior notification to wither waiving our tight to assess the same or similar s at a later time. 6. your Aaeouit. If a membership fee .pp.. on V. front of this statement, you have 30 days from the date this statement came mailed to you to avoid paying the fee or to have such fee credwal to you if you cancel your account. During this period, you may continue to use your amount witham having to pay the membership fee To cancel your account, you must notify 1e by calling our Customer Relatims Department and pay your -New Balance' in full (excluding the membership fee) prior to the end of the thirty-day period. 6. N you Ckae yell Assaaa. You ken region to close yyour account by telling our (Lnoner Relation Depenment. You moat destroy your credit card(s) and cant access checks, cancer all preauthorized billing, and ceasa uairq your accost. If you do not cancel preautharized bllirg enenpementa, we will consoler receipt of a charge your authorization to reopen your ecuxurnt. Additioally, your account will rot be cased until you pay all amounts you owe us ineuting: any I amen tics you have authorized, finance charges, pen due fees, ovadimit fees, returned Payment fees, cash advance fees and any other tees assessed to your iiiecourf. You as responsible for these amama vii ether they appear on your account at the time you requeet to cloy the account or they are Incurred subsequent to Your request to dose the account. This may resat In charges appearing on your accent after you have your accountif it has already been dosed. For exami if you mltarized a purchase, from a merchant and we red iw: the transaction from to mere hose after your account has been dossed, your accent will be reopered, the amount of the charge will be added to your account, and you will be responsible for payment. If there is a mmtbership foe for your account, to fee will condrsc to be charged, to the a to : mitted by law, until the account balance has been paid In full as deflrhed above. 7. Uaiq Van Aoeeunt.Vour card or account carrot be used I- wMh any Internet gambling transactions. 8. Ni Abet Elsobarie CMak Cwruw.kn. When you provide a check as paymeark you aut Odle to either to use infonnstim from your cock to make a one-time electronic find transfer from Your batik a0e0an or to prOOess to payment as a deck tra essedon. When we use information from you deck to make an electronic iud transfer, funds may be withdrawn from your bank accent as soon as the same day we rextive your Paytrlett, and you will rat wdarw your deck beck from your rnenolel kstitutm. BILLING RIGHTS SUMMARY (In Case Of ErrOm Or Question About Your Bill) If you thkik your bill is wrong, or if you need more nformation an a trains-ion a bill, write to us on a separne sleet as son as possible at the address for rrauidee shown on the front of this statement. We must hear from you ne later than 60 days after we sem you the first bill on which the error or problem appeared. You can Pall Our Customer Rdlationt number, but doing so will not Preserve your 6". In your letter, give us the following nlomstim: your name and account number, the dollar amount of the suspected eror, a description of the error and an etplanation, if possible, of why you beliewe there Is an error; or if you need more information, a description of the hem you am unsure about. You do not have to pay airy amour in question vlae we are Investigating It, but you re still ob8getold to pay the pans of your bill that are rat In queatlm. WNIe we inve?tlpm your queatlon, we carrot sport lou+ as ufennnquent or take any an to collect the amount you question. 4,t Special Rule For Credit Card Purchases If you have a Problem with the quality of property or serhew that you purchased whin a credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amour due On the pr rty or services. You haw Wa protection on when the pureuae price was more than $50.00 and the Purchase was made in Your home state a whin 100 miles of your man{ng address. (If we own or operate the merchant, or if we mailed you the advertleemerm for the property or services, all purchases are covered regedesa O amount or kration, of purchase.) Rease remember to sign all correspondence. t Does not apply to cwuumer eon-cravil card accounts t Does rot apply to business --credit call accounts i supports information privacy promotion: we ou ww.v.capptalehe.com. amfederally f lavored service mark of Capital itponatior. All right. reserved. a 2003 Tai. G- Period. You will hew: a minimum grace period of 25 days withourt finance charge orn new, purchases, new. balance transient, new Medal Purdnses and new, other dherpea if you pay your total -New Belarne-, in accordance with the Important Notice for payments below, and in time for it to be credted by your next statement dosing date. There is he grace period on cash achm- and Model trerafeu. In eddtiorn, them is - grece pebtl any transaction if you da not pay Ube total -New hale m. b. Aeamlg Fhas. Charge. Trarsec{os which are rat subject to a grace period am asaesaed finance charge 1) hen the date of the transaction or 2) from the data the transaction is prod ssad m you Auxouht or 3) from the first calendar day of the current, Willi paced. Addtiunally, if you rid net pay the 'Now Balance from the preytota hieing period in full, finance charges continue to accrue to yax taped balance until the upard balance is paid in hall. This meare that you may act owe rnance charges, even if you pay the entire New Balance indicated oh the front of your summers: by the next statement closing date, but rid rot do so for the preview moth. Unpaid Words c ergs :==`=. tic. For?eachtbtllrg?pedod?tuhax. Your account is to a fkhahce dirge, o mIrd-subject [oral FINANCE CHA E of $0.50 will be Imposed. If to Coal finance rete sl la les cage nealNrg iron twehe Icatlon of your period c ( a tlan wii Ltmathei amours, from the $0.60 minimum and the differene, will be billed to the Purchase segment of your accent. td. T.rnparery Redratkn 11 Hirano. Charge. We reserve the to not assess arty or all finance charges for any given bl tag Period 2. Average Daly Bill- Ikals6ln New Ptrdlasul. a. Finance charge is calculated y multiplying the daily balance of each segment of youv accouter (e.g., cash advance, purchase, special transfer, and special purtlhse) by the cernspondng dally periodic mte(s) that has been previously disclosed to you. At the end of each day doing the billing period, we apply the dally pedoic rate for each segment of You account to to daily balance of each segment. Then at the end of the billing period, we add up the nalits of these dally calculations to amw at you firiand, rpeeaitsc? each charge for ca clh segmett. We add finance ca for saighters, to emus ot the tonal pari?odc ergs your account. To get the daily babas, for each segment of your aceou s, we take the begini balance for each eegnent and add any maw transactions and any periods finance dame calculated on the previous, days balance fir that segment. We then subtract any psi m new or credits Posted ae of that day tat are allocated ts tat segment. TN. gives us the =raw dally, balance for seen segnurtt of your aceant. However, If you peie rte New Balance slavwh an Your prevlae statenem In ail (or if your new belence, was zem a a credit amouw), now, trarsectioe which last to your pure a e, or special Purchase segments am rot added to the cagy halanrea. We Pakaiate the average daily balance by adding all the daily balances, togoter and dividing the sun by the number of to days in the omen biAkg cycle. To calculate your total (pace charge, m ldply you average dally balance by the dally pe rate and by the nether of days in the billing pe' w t tarring an a deny bass, taro may be a sign variance between thin calculation and the amoutt of finance dame actually amassed. b. If the code Z or N appears on the from of this statement rext to 'Balariee Rate Applied To,- we multielv the Inpertat Nolle.: Payment. You mall to us will be credited to your accent w of the buahesa day - mcviw h, provided (1) you sad the bottom portion of this sumemem and your check Atha enclamed remittance envelope and (2) your Payment is rec, In air procesirg cater by 3 p.m. ET (12 noon PT). Please allow at lean Ave (5) bekaas days for ptalrg delivery.it{days, ymems received by us at any other location r .n any other font may not be credited ae of the day we receive them. Our business days are Monday through Saturdayy, ezGosud h Please do not use auples, paper c{pa etc when pmparlg our payment. When you sad us a deck(s), you authorize us to make a one-tame olectron, transfer debh from your bar* ac. mr the amount o, the deck 'Tlia.authorization a nee to all checks received during the billing cycle even if sent by someone else. If we carrot process the transfer, you authorize us to make adage against Your bank accent using the check a paper draft or other hem. First 3 months half-price 1 ? e month; 4 7* 39.95/mo, thereafter SIGN UP TODAY: ' 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral peoplepu online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerTM Spam Controls Smart Dialer Phisher Security C Internet Call Waiting cw?dft Account S Previous Balance $2,19825 Payments, Credits and Adjustments $100.00 Transactions $28.76 Finance Charges $27.04 New Balance $2,154.05 Minimum Amount Due $64.00 Payment Due Date Aug=27,2004 Total Credit Line $2,200 Total Available Credit $45.95 Credit Line for Cash $2,200 Available Credit for Cash $45.95 At your service To nB Customu Relations or to report a lost or stolen w&- 1-800-903-3637 Send payra-u to: Send inquiries to: Attn: Remittance Processing Captal One Services Capital One Servi- P.O. B. 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 JUN 28 J UL 27, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 27 JUL Cap 1 ElectronicPhonePmt AuthDate 26-JUL 5100.00- Transactions 2 27 JUL PAY-BY-PHONE FEE 3 27 JUL PAYMENT PROTECTION 1-888-527-6904 $10.00 18.76 Finance Charges Pleare w rmffresidefar important information Ba! rm°r Prriodir Corr poxdmg NAN?E upflirdfo rdr PR CFjAlt E PURCHASES $1,6S5.40 .04082% 14.90% $20.27 CASH 3SS2.90 .04082% 14.90% $6.77 ANNUAL PERCENTAGE RATE applied this period 14,90% V PLEASE RETURN PORTION BELOW WITH PAYMENT AW 0000000 0 5178052200670905 27 2154050100000064007 New Balance $2,154.05 Minimum Amount Due $64.00 Payment Due Date August 27, 2004 Total enclosed $ Account Number. 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 Richmond, VA 23276 PImrp-d mailirsgadoirn-P e-mad,&-m hr,6. or41.4,n t: avee Apt # City Smu ZIP Horns Phone Al.- Ph.. #9021056678636513# MAIL ID NUMBER HAROLD M STEENBURG 7,29 SOUTHERN DR M CATAWISSA PA 17820-8412 F Pleme writeyow account numbs m yore check or money order made payable to Capital One Bank and mail in the enrlwed envelope. peoplepcrd online u A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY: 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral 8 O r` N N PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1-888-5TRYNOW. Service not available in all areas. Acoess fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak (usage. Dial-up numbers may be changed at PeoplePC's discretion. Continuous use subject to fimeoul procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. ® 2066 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of Peopli in the U.S. and other countries, 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. periodic rate. To obtain the average daily balance for the billing period covered by this matemem, we take the begimng balance of each se{Rncnt each day, add any new or or credtan (11 to the eatolach segment, and subtract any payments or S code N appeam m its from of this statement nee to -Balance Rate Applied To; we also subtract any unpaid finance charge included in the balance of each segment.) This gives ue the daily balance of each segni Then, we add ty all the daily balances fw such segment for the billing period and divide by the total number of days In the billing period. This give. us the average dally balance of each segment. 3. A-mall Prortags Rotas (APRI• a. The term 'Annual Percentage Rate' may appear as APR' on the front of this matement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appears on the fret of this matenam next to the Periodic rate(s), the c rates and comeapondi g ANNUAL PERCENTAGperiodiE MTES may vary quarterly and may immace or decrease based on the mated indices, as found in The Well Street Journal, plus the margin ppreviously disclosed to you. These dargea will be efeetlve on the firm day of your biking pooled covered by Your periodic matement ending in the months January, April, July and October. C. It the code D (Pdmeb F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) =cars on the front of your Fralement ra a to the pedodlc utals), to periodic rates and rwrreaoorhdrg ANNUAL PERCENTAGE RATES may very mm1NY and may increase or decrease based on the stated inclose, as found I. The WeO Street J-/, plus the margin previously disclosed to you. These Barges wfil be effective on the fiat day of Your billing period each month. 4. Aaasunrrd of Late, Ovririt arc Raftm.d Pay ma t Facts. Your account will be assessed no more than tyro of the fees limed here that occur during any billing period. Under the times of your customer agreement, we reserve the right to i or not to assess any fee. without prior ratification to you Wtteut walling our right to assess the same or similar fees at a later time. VrRrawig Your AocouhL If a membership fee appears on the from of this statement, you haw 30 days from the date this Moment was mailed to you to avoid paying the fee or to haw such fair credited to you it you cancel your account. During this period, you may continue to use your amount without having to pay the membership tee. To cancel your accaat, you must notify tie by callirg our Cusomer Relatime Depehmem and pay your 'New Balance' in fall (excluding the membership fee) prior to the end of the thirty-day pedod. 6. N You Cba. Yeu Aeoaad. you can requem to close your accent by calling war Customer Relations Department. you mum demroy your credit card(s) and account access checks, cancel all preauthod-ol billing, and cease uain9. your account. If you do not cancel preaulgdzed tilling arrergementa, we will consider reetlpt Of 8 Charge your aNhorizatim to reopen your accoum. Additionally, your account will not be dosed until You pay all amounts you awe us including: any transactions you haw autarized, finance charges, paw due fees, overtimit fees, resumed payment fees, cash advance fees and any other fees assessed to your account. You are responsible for these amounts whether they appear on your account at the lime you request to close the accent or they are Incurred subsequent to your request to dose the account. This may resit In charges appealing on your account after vou haw your accaan if it has already been dosed. For example, if you authorized a purcJaee from a merrhem and hve receive the transaction from the merchant after your account has been closed, your accent will be reopened, the amount of the charge will be added to your account, and you will be responsible for payment. If there is a membership fee for your account, the fee wtfi csndime to be Mmged, to the ex[m¢ pemhitted by law, unto the accent Dse?leence hen been pa In full as definad above. 7. Using You Aoaouit.You card or account carnet be used In carnactlm With any iternot gambling tranaections. 8. lbtbs Abort Elsotrais Chsak conversion. When you provide a clack as pay-rut, you auderize us either to use infomhation from your Mack to make a ono-time electronic find transfer from your bank scmut or to process, the payment as a check transaction. When ve use informaton from your check to make an aectrWc Fund transfer, funds may be witldrewn from you hank account as soon as the same day we receive r payment, ad you will not receive your Mack beck from you finsrc al irhsdttaim. BILLING RIGHTS SUMMARY (In Case Of Enos Or Oueatima About Your Bill) If you Link your bill is yang, or if you need more informaten on a t arreactim w bill, write to us m a separate sleet as soon as possible at the address for inquiries shove on the tram of tie etaterri= We mart bear from you no later than 60 days after we slim you the firm bill on "Nch the error or prahlmn appeared. You can call our Customer Relations member, but doing ss will not prf ee your rights. In your letter, give us the following mfemta im: your name and accent number, the dollar amount of the suspected error, a description of the error and an emplanstim, if possible, of why yea believe tram ie m error,, or if you need more Informal m, a dascri(tim of the hem you are unsure about. You do not have to pay arty amount In questkn while we are Investigating it, but you are will obligated to pay the part. of you NII that are rat in question. While we investigate your quesim, we cardhot report you as delinquent or take any acdm to cofiect the amount you question. i,t Special Rule For Credit Card Purchases If you haw a that problem with the quality of property or you purchased with a credit card and you haw tried In good fath to correct the problem with the Michant, you may haw the right net to pay the remalnlng ant due on the properly or e41 You haw this protectim only ohm the purchase Ddce was more than 850.00 aM the tl%w was made in your hone state or within 100 miles of your mailing address. (If tot oval or operate the merchant, or if vas mailed you the adwnisemem for the property or services, all purchases are covered reg, see o i mom or location of purchase.) PI... remember to sign all correspondence. t Does not apply to oonsuzrar --,add card accounts i Does rot apply to business roe-credit call accoe is one 1. How To Awhd A Finsnss Charge. One supports infonnatim Privacy protection: see an at WWW.Cepprrlelorhe.corm, One is a fmlentlly registered service mark of Caphal al Corporation. ,NI rghta reserved. c Ol LGLBA.K 2003 ta. Gras. Period. You will haw a minmun grace period of charges, afge m new purdasss, nevv ==a--w If f you You PB Your total otal 'Now Balance-, pow Bolananceslid in adlL•r h t the ImPortarrat Notice for Payments accordance with credited blow, and in time for it m be e cre cuedited by your rexz matament clear rhg date. Them is ns grata period on rash advaces end spetlal tranarers. In addition, there I. nc grace period on arty tre -ten if you do not pay the total -New b.,= b. Accruing Rave. Charge. Transactions which are not subject to a grace period ere assessed flrnmhce charge 1) from the rime of the [rrnsectlon or 2) inset the data the transaction is processed to Your Acmnt or 3) from the That calendar day of the wmmt biNrhp period. Additionally, if you did not pay the 'New Balance hen the previous bNfing loaded in full, finance charges continue to secure to your upaid balance until the unpaid balance is paid in full. This means that you mey .W owe Rance charges, even if Yw pay the entire Now Balance indicated on the front of your statement W the mere ma[ernent dosing data, but did not do w for the prevkds month. llrpeId Finance charges am eglded to the appM'abla aeg ins, of You A,sont. t c. Mils- Fero. Charge. For each billing period that . If m loud RNANC[E in a $0 50 NI charge be W a minkil posed. If the .it from the application of your [chat finance tlar%: periodic rate(s) is taiq n 80.50, we will subtract that amour from the 80.50 minimum and the difference will be billed to the purchase aagr??rt of you account. to. Trtparry RWwtien in Finrwa Chang.. We reserve the billing riod. right, t not assess any or all finance charges for any given 2. Avarag. Daily B.1- (ircludlaq N.w grohpal. a. Finance cage is calculated by mtldplNng the daily balance of each segimert of your account (e.g., rash dvwi purchase, special transfer, and special purchase) by the corresponding dairy periodic rme(sa That has been prevfmsly disclosed m you. At The end of each dory gYFrirhg the bili period, we apply the dally periodic rate for each segment of Your access, to the daily balance of each segmem. Than at the end of the bilkg pared, vve add up the resits of these daily calnlstwa to ardor m your periodic finance charge for each seginent. We add up the realts from each aegnrm to arrive at the tmal periodic finance charge for your account. To get the daily balance for each saignient account, bdahce for each of your and an take the beginning and m periodic fir?t charge add any ? on the previous by calcularod ub dorbalance for that segment. We e than the p then attract any peymama OF crediu ponied us of That day that ere ale ce to tat ssgmarht. TNa gives ns the separate sexy balance for each aegnhaht of your accent. However, If Yw paid V. New Balerga slevm on yen previous mm"'I in fill (w If your now balance wea zem or a credit among), new treraacdora which post te your purchase w special calculate he=ws age dimly bmmd to the daily bdmces. We balances together and dividing the isurn by the all Hartheter daily the day. In the current cycle. bili T calculate t to finance charge, multiply your ege, daily bbaamlad by rte dally pedoek rate and by the ember of days in the billing period. Due to retiring m a daily beats, here may be e Monce wdarge actually, sse ach emcut of b. 11 the code 2 or N appears on the from of this ateremmt e to, *Balance Rate Applied To,' w,e muitiolv the bbiblUb Irkportart NWw: Paymems you mail to ua will be credited to your agxahnt as of the business day Wa rectlw h, proNtled (1) you send tha bottwn portion of this statement and your dank In the mhdoaed ,= envelope and (2) your Payment la recalved In au processing temm by 3 P.m. ET 112 noon PT). PI-se allow at loam In (5) business days for postal dwivery. Paymama received by us at any other locator or in any other form may For be credhud as of the day we receive tam. Our business days are Monday through Saturday, exduirp tdiidays. %eaaa do Fat ass =w s, groat r d'ir etc. vhfien prepamg Your pa em. When you eerd us a deck(s), you authorize is to make aarts-time electronic trasfer debit Iran You l bmk accam nor the aof ddx TNa eutlarizaticn applies to all decks received during the billing cycle even if will by someone see. If we carrier process the transfer, you authorize ue to make a charge against your bank account ursirg the deck, a paper draft or other hen. Introducing OneAlert. Capital One's easy, affordable way to protect against identity theft. HAROLD M STEENBURG, i•Xg77•74& T4o•8675 Don't become part of this statistic. Protect yourself with OneAlert, new from Capital One. OneAlert monitors your credit every business Trade Commission ther day. If there are any changes to your credit report, you will be quickly notified. Here's what OneAlert offers, all for only $4.99 a month: • Daily monitoring (business days) of your credit report E oRE • Notification of activity on your account m ut 30 • Access to Credit Education Specialists - • Peace of mind knowing that you are protected Vn y ejWert against identity theft and fraudulent activity frorn Capital (7k Acoottnt S Previous Balance $2,154.05 Payments, Credits and Adjustments $100.00 Transactions $28.37 Finance Charges $27.39 New Balance $2,109.81 Minimum Amount Due $63.00 Payment Due Date September 27, 2004 Total Credit Line $2,200 Total Available Credit $90.19 Credit Line for Cash $2,200 Available Credit for Cash $90.19 At your service To cats Customer Relations or to report is last or stolen card: 1-800-903-3637 Send payments to: Send inyuiries to. Attn: Remittance Procnsing Capital One Serviom Capital One Services P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 589800 Don't wait to get the credit protection you need. OneAlert is available for just $4.99 per month. ity it FREE for 30 days. After that, it will be conveniently billed to your Capital One account." I (YES! I want to protect myself against identity theft with OneAlert for only $4.99 a month. I authorize Capital One• to forward this coupon on my behalf to the company that provides this product. Name (Please print.) Signature (RequiredI onr-nn-noon Social Security Number (Requiredbntyfill in the last four d'gns of your number) 729 SOUTHERN DR CATAWISSA PA 17820-8412 74058389 14338 PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 JUL 28 - AUG 27, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 27 AUG Cap 1 ElectronicPhonePmt AutM)ate 27-AUG $100.00- Transactions 27 AUG PAY-BY-PHONE FEE 27 AUG PAYMENT PROTECTION 1-888-527-6904 $10.00 18.37 Finance Charges Plea eree reverm sidefor important information Rd- rstte l; dy Periods Correspmtdmg AAPP l'CE GG?E pp e s ran R PURCHASES $1,611.80 .04082% 14.90% $20.40 CASH $552.58 .04082% 14.90% $6.99 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2109810100000063001 New Balance $2,109.81 Minimum Amount Due $63,00 Payment Due Date September 27, 2004 Total enclosed $ 1 -1 Account Number: 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 Richmond, VA 23276 P/rarpriarmai/,'rsgaddrcrraab rnro;ldmr?rrbr! urugb! orb/uk;sk Street Apt M City S.. ZIP Home Ph- Altematt Phoae #9024156678636518# MAIL ID NUMBER t HAROLD M STEENBURG .. 729 SOUTHERN DR N CATAWISSA PA 17820-8412 1 Pleare vuriteyoro arco mf number mayors dxck m money order madepayable to Capital One Bank and mail in the -Iwede l,d pe. Daily monitoring of your credit report with OneAlert can help save you from identity theft The faster you are notified of activity on your credit report, the faster you can identify and stop illegal activity - thus protecting your identity and credit rating. On average, when identity theft was not discovered in the first 6 months, the victims lost $5,000 or more in 44% of the cases! Apply for OneAlert BY MAIL: today and protect Return this completed yourself from acceptance form with your becoming part of the Capital One card payment identity theft statistic that is growing BY PHONE: Call 1-877-740-W75 nationwide. Don't miss out on these great benefits: • Protect against identity theft with monitoring of your credit report • You'll receive a communication if changes FREE to your credit report occur 3p DAY TRIAL • No activity - you'll receive an "all clear" communication once a quarter • You'll have access to Credit Education specialists • All for just $4.99 a month cry rranea.ap ern De aumniaaw rernew-P w ale tthse [Ueem rate all biAetl to my Capital Oche o.dngm atmla Nfe.e-I O t that That a lamrnn at kart our edionO 78)lWycSisOfage autlpri Note.' fo Weramaaottlteproassyowwinfam~ooirhtifofcofodrtyowauauyr antlaimartes no liaW)iry br ? '.. thbrrraaovh containedsr my calif Callm tlovvatas i 'This gtro[e was found at httpJhw,wftcg bv20g3N9Synowferepat.pd(. The Federal Trade Commisim a not affiliated. connected, a aswcated wth Capital One and Boa not spa.a. eralcase a approve Capital One pnxluuch a srsvkes One services, he Capital One is a fedemly regmend service mark fury tradenvda mentioned herein are solely owned by the respective entity. All frolim CRPI Orw By responding to this off", you may be commtrricardrg Information about yourself to to company that provides this product- for example, that you are a Capital Ore oustnmer. -Fa inquiries about this product a if you wish to bi a different wadi[ card, Please cal 1.677.740.8675. The OrwAlart service is avoil" to only 011% cardhogw per amount 8 O O o N N periodic rate. To obtain the average daily balance for the higirtg period covered by this statement, we take the begirnxg balance of each segment each day, add any new trareactiae to each segmed, and &"met any payments or credits. (If the or & N appears m the from of this statement nett) to 'Balance Rate Applied TO,' we also atbtraot any unpaid finance charge included in the balance of each sr 9=t.) This gives us the daily balance of each segment. Then, we add up all the dally balances for each segment for the billing ppeecod and divide by the total nunhor of day. in the billing period. This gives us the average daily balance of each segment. 3. Arru iI Perorabal Raw CAPRI. a. The term 'Annual Percentage Rata' may appear as APR' on the tract of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appeam on the from of this a stem ant roe to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary qw dy acct may increase or decrease based m the stated Indices, as found to The Wa# Street Journal. plus ¢tyhe margin ppmviaudy diedowd to you. These riot will be effective m the flret day of your ling rep bu Jana by Your pedocic statement ending January, April, July and October. c. If the cads D (Prime), F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced Meet" appears on the from of your statement rand to the periodic rate(a), the periods rates and mrreaporhdirhg ANNUAL PERCENTAGE RATES may vary mmllY middZrad In The increase or lacrosse based en to rated indices, as fa W.9 Street Jaanel, piss The margin previously disdceed to you. These changes will be effective m the firer day of your billing period each mash. d. Aaawrrrrt of Leta, Ovwinit and Remand Paymerd Fast. Your account will be assessed m more than twer of The few limed here that ocur during any billing period. Under the term. of your customer agreement, we reserve the Fight to waive or not to aase- any fees without rior notification to without walNrg our Fight to asses the same or similar t e later time. 5. e- a Your A-oud. If a membership fee appears m the from of this statement, you have 30 days from the date this satement was mailed to you to am paying The fee or to have such fair credited to you if you camel your account. During this period, you may continue to use your amour without having to pay the membership tee. To cancel your accent, you must notify us by calling our Customer Relations Department and pan your 'New Balance' in full (excluding the membership fee) prior to the end of tho tinny-day period. 6. If You Cbse Vora Awohad. You can request to dose yY r account by calling our Custerem Relrias Department. Vou mush derroy Your creel card(s) and aunt access checks, cancel all preauhorized billing, and cease usln4 your account. If you do net cancel preauhorized billing arrangements, wo will consider receipt of a large your authorization to reopenyour account. Additionally, your accent will net be dosed until you pay all amounts you owe us )neluding: any transactions you have auMOrizad, finance charges, paw due fees, owdimit fe-, resumed payment foes, cash advance fees and any what fees assessed to pur count. You are responsible for the- amours whether they appear m your account at the time you request to dose the accent or they are Incurred subsequent to your request to dose the acoum. This may result in charges appearing on your account after you have your arcwst if it has already been dosed. For example. if You authorized a purchase from a merchant and we receive the trarsacton from the morcham after your acorn het been dosed, your a- will be imported, the amotnt of the charge will be added to your amount, anted you wig be relpnaible fa peymem. If them is a memhoslip fee for your error ?ho fee will cormus, to be charged, to the extent pennhted by law, tall the account balance has been paid in full as defined shove. 7. Using Your A..a,.t.Van card a accent cone. be used in connection with any Internet gambling ewaaatae. S. Norte About Electronic, Cheep Carwrmn. When you provide a heck as payment, you auahodre ce either to use information from yar deck to make a as-time dectroNc kind transfer from Your bmhk accent or m process the paymwn as a hack transaction. When wo use information from Your heck m make an electronic fud transfer, fads may be withdrawn from your bank amount as soon as the same day wa receive our payment, end You will not receive your deckybeck ft- your financial irethution. BILLING RIGHTS SUMMARY On Caw Of Emma Or Questions About Your BIIO If Vou th" par bill la wrong, in If you reed more nfomation on a transaction or ell, wide to us on a separate sheet as soon - P-albie at the mdrest for f shown on the from of title statement. We must you m later than 60 days after we sad you the first bill m which the error or prmblem appeared. You can call err Cuuromer Relations nrnber, but doing so will not ntormwher: you?me eryourd eccaiugnum- us the ber, the ddlarp errant of the suspected -nor, a description of tire dear and an erplanatim, if possible, of whyy you believe there is an error, or if you reed more Information, a de-dpion of the hem you am unsure about. You do not have to pay any amour in question while we are investigating It, but you are will obllgafed to pay the parts of your bill that are not in qunestim. WNle we invertgeto your queatlon, we carrot report you as degnquaa or take any action to cogeel the amount you quesmim. 1,t Special We For Crae t Card Pudaa- I-Mcea t w prdNem with the quality of property or you purchased with a credit cam and you have tried in good faith to cenea the Problem with the merchant, You may have the right not to pay the remaining amount due m the p rty or seMC-. You have W. protection airy when the purrhew plce was more than 4,50.00 and the purtlhaae was made in your home state or within 100 miles of Your mailing addre-. (It we own or operate the merchant, or if we mailed you the advertisement for the property a services, ail ofpurcases are covered regerdam o11 amount or oration paths-.) Reese remember to ail) all cenespo Bence. t Does nor apply to eo? ten- adil card accounts t Does not apply to business roe-credit cerd accounts One airports information privacy protection: sea ou at www.capptalane.can. Ora is a hetlerally reBgqIreretl sevice mark of Capital andal CopoFallen. All n a reserved. a 2003 i O RVOar 'Y rlerlOe uhrge. a. Qase Period. oce will have a miimun grace pedal of 25 days without finance lea purchases balaree tra sham, new Medal purdresea and rtew'other ac charges If¢ywu p the your total 'New Balance' in acct in time for it to be crocked by your re for ear ras ,so stataem r below, by period ent dosing date. There is no grace period rash advances and spell transient- n, do rhot net,, them is no grace period any t ne mactlon if if You do pay the total 'New balance.' b. Aaauirp Fiwee charge. Tran-letiars wind) are net subjct to a grata period re assessetl M1nerce, charge 1) fin Uhe date of the traneacUon or 2) from the date the treieacrim is proroawd to Your Account or 3) from the first =it day of the mrrezs bilging period. Additionally, if you did net pay the -New Balance from the previous billing period in full, finance charges, comet ue to accrue to your unpaid balance until the unpaid balance, is paid in full. This m-ne that you may still owe franee hang- evert if you pay the entire New Bill- Indicated m the fart of Your wremen try the rant statement dosing dare, but did not do - for the proNas month. tlrpold finaroe Barges ere added to the a e segrraa of your Amount. t c. Miirarn Fihree For each bilging period Nat your -cant Is subject to a firahce charge, a mldmun tad RNANCE CHARGE of $0.50 will be imposed. If [the total Pounce large neaiidhq from the applkatlm of y.ur periodic ure(a) is Iwo than 50 50, we wig snbtrod that amain from the $0.50 m ki- will to difference will be billed to the pumhssa in Fihrha aepnrateofchYouarge.We reserve ecaru. td. Temporary FteAwlion the it to n=ew- any or all finance carpet for any given filing Pedal 2. Average Daly Base liroludnha New Prrd-em. a. France charge is calculated by multiplying the daily balance of each mgmmt of your avant (e.g., rash advance. Purchase, special trernfer, and special purchase) by the COMOMadng drily pedo is mats s) dust has been previously disclosed to you. At the end of -ch doryy dudhg the Whig period, We apply the dally periodic rate for car segnam of your accent to the daily balance of each segment. That at the red of the biting period, we add up to results of these deity ralGletiore m amve at your periodic firence charge far each segnem. We add up to results from each segment to arrive r the total periodic finance charge for Your accent. To gar the dally balance balance eh of your errant, wey take the beginning novv and any ppeeriodic finance, ralalwad mr the pdaviods day's belanm for that segment. We then sbt ed dry pa? or TMposed - - of that clay her are alloratad fore ? ern of gi? the separate dilly balarhce New .,, s? yo r aocant. However, If you gold dor If your now, balance w-yzem preview halt r?ou tIn fill (a transactions which Pow to your purchase or special Psculet le a dell backled t by daily ms. We hoes t ge y y adding all to doily agetlar and dividing The sot by the number of the days in rho arnem baling Cycle. To calculate your [oral finance large, multiply your average daily baellfB by the deity periodic me and by dor camber of days in the burg Pedodl. Due to carding m a daily basis, them may be e slight variance Ietwem The calculation, and the amount of finance ch.Te arnmlly sass-ed. b. If the rode Z or N eppwm on the from of this statement roxi to 'Balance bate Applied To,' we multply the -OU lJ Inupwlard Notloe: Paymema You mail to - will be credited to your amount as of the busks- day we rawive It, Provided (1) you will the bottom pomm of Wa rateinwn and your deck In the enebsod Fin"" envelope and (2) your paymrnt is received In our promising tenor by 3 P.M. E7 (12 noon PT). Please lbw at leer gar (5) bualnea3 days for postal delivery. Paymeina received by us at any other location or In any other form may not ba credited as of the ley we racdve them. Our basin-a days are Monday trough Seturdey, reducing holidays. Haase rill not use etaPl-, =r, e[c. ==d;; r Pa ent. When you seM us a deckle), you autleriza is to make accts-tuna ductroric Transfer dolt Iran your bank amain for dor amarn of This nee to ell Backe received during the billing cycle even if sent by eaneae tae. If we cannot Process the trarsfer, you auhodze us to make a large against your bank amen using the heck a paper draft or other item. e Account S Previous Balance $2,109.81 Payments, Credits and Adjustments $75.00 Transactions $79.59 Finance Charges $27.04 New Balance $2,140.44 Minimum Amount Due $64.00 Payment Due Date October 27, 2004 Total Credit Line $2,200 Total Available Credit $59.56 Credit Line for Cash $2,200 Available Credit for Cash $59.56 At your service To mll Customer Relations or to report a lost or stolen mrd; 1-800-903-3637 Send Payments to; Send inquiries to, Attn: Remittanm Prow g Capital One Serviec Capital One Se iers P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond VA 23285-5015 Important Account Information Are you registered to vote in this year's general election? Its not too late! There's still time to register, so go for it Your vote can make a difference this November. Call or visit your local voters registration office or go to www.everyvoteoounts2004.com to make sure your voice is heard. Every vote counts! PLATINUM MASTERCARD ACCOUNT AUG 29 - SEP 27, 2004 5178-0522-0067-0905 Pagel of 2 Payments, Credits and Adjustments 1 27 SEP Cap 1 ElectronicPhonePmt AuthDate 27-SEP $75.00- Transactions 2 18 SEP NCR 1-800-645-9430 #64333857 $49.95 3 27 SEP PAY-BY-PHONE FEE 10.00 4 27 SEP PAYMENT PROTECTION 1-888-527-6904 18.64 As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. All orders will be processed between January 15 and February 28, 2005. Congratulations on another year of benefits from National Card Registry. Your annual membership fee has just been renewed. The annual membership fee for National Card Registry has been automaticall y billed to your Capital One credit card so you can enjoy uninterrupted service. If you have any questions, please call the membership number listed above in the transaction section of your statement Please continue to enjoy the savings and peace of mind that National Card Registyprovidm Finance Charges Please tee reverse iidefor important inftvwtion B dmsn We Peri '- po,deg mti N pplied to rafe f I;ri PURCHASES $1,58414 .04082% 14.90% $20.05 CASH $55258 .04082% 14.90% $6.99 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2140440075000064008 New Balance $2.140.44 Minimum Amount Due $64.00 Payment Due Date October 27, 2004 Total enclosed $ Account Number. 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 IIIunllllllnuulll Richmond, VA 23276 IIII VIII III II IIIIIIIII VIII VIII IIIIIIIIIIIIII VIII IIIIIIIIII Mas.Printnui!',rgaddnxa V r-mdlel gerbe/ _Vbl _R" ink Street Apt y Gty S.. ZIP Home Phone Al-- PM., #9027256678636513# MAIL ID NUMBER HAROLD M STEENBURG c 729 SOUTHERN DR CATAWISSA PA 17820-8412 N - ? IIII IIIIIIIIIIIIIIIIIIIIIIIIIII VIII VIII IIIIIIIIIIIII111 VIII PI-e uviteyow auaant number on yore cbeck or moray order madepoyable to Capital One Bank and mail in the rn Iwed envelope. Refinancing isn't just for mortgages anymore. Now there's a smart and innovative way to save money by refinancing ANY loan ... with SmartRefilm from Capital One! What does SmartRefi mean for you? • Customized refinancing solutions that could save you money • A personalized plan with a knowledgeable consultant • Quick, no-hassle service Don't miss out! The sooner you contact us, the sooner you could start saving! Refinance today. By Phone: Call toll free 1-877-324-REFI (7334) SmartRefi Online: Visit www.smartrefii.capitalone.com 1. Hew To Ayald A Five. Cl=. to. Go- Period. You v.AI have a minlmun grace period of 25 days without finance charge on new {nrdhasee, new balance tmretan, nets ape ,al purtlraces and new other thing. if you pay goer tad 'Now Beiarwe', in accordance wWh the Important Notice for payments below, and in tine for h ro be credited by your next statement closing date. Them is na grace penad en cash advenra aannd special I itatioce era. In addition, there Is ho grace period bal. m ance any T you do rot pay the total "New b. Accruing FMwe Charge. Transactions which are rot AblOct period from the date fo assessed finance form the ddatee theI OF 2) tmniiaction b pmcamed to your Account or 3) from the first calendar day of the currox billing period. Addtlaally, f you did not pay the 'Now Bdance' from the pmvfas bigkl period in full, finance charges ommue to accrus re you upekl balance until % unpaid balance is paid in full. This meere that You may sill owe fnance charges, e7 if you pay the entire New Balance ideated on the front of your smteanen by the rnwrt armament dosing data, but did not do se for the preNrs month. Unpaid finance charges ddad m rte appppYYrable cephhoht of yerr Axant. tc. Miinm Fihrac Chergc. For each bilNrq period that NANCE b CW0.R(i ai)act to total RNANC a hence dar(p, a mlrimm your E of 10.50 vAll be imposed. If the torsi finance change rem ddng from the k:stbn of ynu periodic rate(s) la nos then 80.50, we vhg subtract tfatf archont from the 80.50 minimum and the difference wig be billed to the purchase segment of your aeeotan. td. Terrperry Rarluation h:7- gnerga. We reserve the right to rot assess anfinance dariles for any given bBgng periol. 2. Avanpa Dory B.I.rnw Ilnairdsnn New Prdaaaal. a. Finance chrge is calasated V multipiNng fine daily :dance of% ch aegnen of your accarht (e.g., cash advance, purchase, spacial transfer, and special purchase) by the conespodng dally periodic mte(s) that has been Prevlo sly diadooed to you. At the end of each day ding the blimp period, we apply the daily Padocc rata teach sagnerht to your ecceurtt m tM dell b.I= of each segment. Then t the and of the biNrn g period, -, add Lp ;Z= s of tfneee daily o e=tios to arrive at your xares charge for each aegnen. We add lp the resilu iron each srgntoht to arrive at the tonal periodic hhernce charge mr your amOu m. To get the daily balance for each balance for each of your acceuht, we take the begming nd a pe teach flsronce charge add any now tarmeriore a and anbhy gnic for that calculated on the previas cloymerxs, crar" segnont.fthat da We then sbtbct any to that segment. P°erBd ea oY that am alkeated for each This gives in the separate daily baladnce Now Balaree shhovah m yar pm" atateniercyM phll (w the If your rn:w balance was tom or a credit amours), raw transactions which post to your purchase a special Purch as average ors am not added to the daily, balances. We caleul ances together nd cdaily viclalree u adding y d all the cagy balthe dens on the current bit? n0 t}e son ci M number cycle. To celetlam t your total fiance deice, midply) number of dabsIn b the drily Po e rob aril b by the amber of days the bi la pe Due t to on rorhdng a daily basis, them may ur e mutt variance 6etwoan thin oslWetlon and the amen[ of hence cha ecnagy assessed. b. It the code l or N efpaeb on tla from of the statement rem to 'Balance Rate Applied To,' we mJriWv the s° O Q N 1 edocile rate. To obtain the average daily balance for the girq Period cereoed by I.. natemen, we take the b.d.-coore Ito each each segment each day, add my new eegmem, and subtract any payments as credits. (if the totle N appears on the front of this statement next to 'Balance Rate Applied To,' vye also subtract any utpad finance charge included in the balance of each segment.) This gives us the daily balance of each segment. Then we add up all the deg balances for each segment for the billing period and divide by the toll number of days n the billing period. This gives us the veraggee daily belame of each segment. 3. Arsnsl Peroriag• Rags IAPRI. a. The term -Annual Percentage Rate' may appear as APR' on the front of this statement. b. If the code P (Prime), L 43-mo. LISOR), C (Certificate of Deposit), or S (Benkcard Prime) appeam on the fren of this statement next to the periodic Fatale), the pefiodc rates and woresporwlirq ANNUAL PERCENTAGE RATES may vary gm%fly end may increase or decrease based on the stated sdlcos, as found n The Wet! Street Jownet, plus the marlin preNoudy disclosed to you. These changer WII be etiectlve on tine first day of your In killi .cep g =riodtha Janus" Md JWdy and O Lobar c. If the code D (Prime), F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appeem on the from of your matemstor next to the pedodc rate(s), the periodic rates and certespondng ANNUAL PERCENTAGE RATES may vary nwnWy and may Increase or decrease based on the stated co m, as found in The Watt Street Jaunt, plus the margin Pmvi will be eHectire on M ousiyefie da dadaaedyG to1 . rTheblgkqse dhengea youyou period each month. 4. Ana•arrrd of Lt.. 0-11mit and Paranoid Psymerm I-. Your account will be assessed no more than two of the fees listed here Friar occur during any billing period. Under the terms of your customer agreement, vie reserve the of to walre or not to assess any fees wither Car notification to you vAthout waiving our fight to assess the same or similar fees t e later time. 6. apeen on the ppear. n Yocrfront of thi Aeeaut.s stetemem If a membadip foe , you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have etch ice credited to you if you cancel your account. During this Period, you may continue to use your account without having to pay the membership fee. To canned your account, you most notify us by calling our Customer Relations Deparbnem and pay Your 'New Balance' in full lexcluding the embesNp tee) prior to the .it of the tNnY-?Y period. 6. I1 Y_ Class Yeur Aoaorm. You can request io dose yyour ..cant by calling our Customer Relatlom Oepertment. You must destroy your credit cad(s) and account access checks, cancel all preauth odzed billing, and cease udrq your accaan. If you do rat cancel preaurhwrized Ifng mra=,e ,tor, we will consider receipt ofAddit a charge your out lc zation to re r accent. ionally, your account will rat berdwell anal you Pay all em 'I you owe os including: any transactiana you have acnbcrized, finance charges , pest due fees, oredimit fees, resumed payment fees, sh advance fees and any mbar fees assessed to your account. You are responsible for these amounts whether Clay appear co, your account at the time you request to close the account or they are Incurred auDseoluwnt to you, st to dose the amount. This may reprtt in eourgra appearing on your accent after you have your account if it has already been dosed. Far example, if you authorized a purchase from a merchant and we receive the transaction, from the merchant after your acrnuht has been cased, your account wig be reopened, the amount of the charge will be added to your nccou t, and you wig be responsible for paymem. If there is a membership fee for your acrauht, the fee will continue te be cihergN, to da aaont ed Dy law, until the aceant belonce has been In full ea defined above. 7. Using d In ca? neAcecount.Yout cdon ugh card OF m cams he use ohs. any Internet gambling trarsactf S. Netim Abort FlaabsNo Clmak Conwabn. When you provide a esck as payment, you uahodze m either to use nfni from you d,-k to make a ans-time electronic had =[brofer ftarrt your bank account or to precoss the payment ea a cheek trrsection. When we use information here your check to make an alectrmic had transfer, funds may be witldbwn from you bank accost as soon as the same day we raceire your peymom, and you will not receive your check back from your fsancal institution. BILLING RIGHTS SUMMARY (In Ca. Of Errors Or Ouesdors About Your Bill) 11 you think your bill Is wrong, or if you need more Information on a transaction or bill, write to us on a separate sheet as soon as possible at the address for inquiries shown on the front of this movement. We must hear torn you no later than 00 de after we sort you the first big on vohich the error or problem appeared. Vau cen call ors Customer Relations number, but doing so wig rat preserve. your rights. In you letter, give us the follom Informaon: your came and account number, the dollar amour of the suspected army, a description of the moor and an atpl nation, if possible, of why you believe: there is an error; or If you need more Intorrnation, a tleacdrnim of the hem you are onrure sitar. You do not have to pay any amount in quamlon vMle vet are investlgatin it, but you are atiN oNlgafad to pay the parts of your bill that are not In question. WHIs we Investigate Your question, cannot report you a degoµsnt or take any action to collect the amain you question. 1,t Special Rule For Credit Card Purchases If you haw a problem vAth the quallty of property or you purchased Wth a credi card and you have a that tried in good faith to coned the problem with the merdam, you may lawn the Fight net to pay the remaining amount due on the pro geny or eervices. You have this protection only vyhm the purchase p1a was mom than 450.00 and the punhace was made in your home state a within 100 miles of your magng address (If we own or operate the merchant, or if we mailed you the advertisement hoer the property or services, all purchases are covered reperciess of amour or location of purchase.) Pease remember to sign all correspondence. t Does tat apply to consumer rhos-credit cad accowrs I Does rot appty to bas7aess tan-credit ced ac-r. One auppons nfomation privacy proection: see our at ww v. ptalone.com. One I. a fetlablly F;ea and service mark of Capital And.l COrporatieh. All rights reserved. a 2003 One 01LOLBAK o[a I9 brpotartt NNkc: Payment- you mail to us will be credited to your accost as of tits Duelrneea day we receive IL provided (1) you turd tits bottom portion of Wa m earn nt aril your deck n the ernhasad rernlttance onvdope and (2) your Payment Is received In our processirq center by 3 p.m. ET (12 noon PT). Pease allow at least flue (5) bzakaas days for postal tlegre Payments received by us at any otlsr location or m any odor form may not :bee credted as of he day wet receivs tlam, Our badness days are Monday through Saturday, excluding hdld w. Pease do cwt urea stapes, paper, dips etc. vmhan Prepadrp your payment. When You sand us a duck(s), You Fud od oo us to make a one-time electronic transfer debit from your bank account for dine amwn of thw duck TNa authwrization apples to all decks receved dudrq the billinng cycle even if rem by saneona alas. If we cannot process; the transfer, you authorize us to make a charge against your bards account using the deck a paper draft or other item. A SPECIAL OFFER FOR PREFERRED CUSTOMERS Refinancing isn't just for mortgages anymore. What does SmartRefi mean for you? • Customized refinancing solutions that could save you money • A personalized plan with a knowledgeable consultant • Quick, no-hassle service 201236 CaplTt o m- SmartRefi'" -,add d =W? Refinance any or Introducin Smartilefi:M all loans and start g An innovative way to save money saving today! by refinancing ANY loan! • Braces, laser vision correction, Dear HAROLD M STEENBURG, or cosmetic surgery Have you ever thought about refinancing outstanding loans other than your mortgage? Now you can with SmartRefi! Refinance any or all loans and be • College tuition or other given options on how you could save money! educational loans With Capital Ones SmartRefi, the possibilities are limitless. You might be surprised at the variety of loans you could save money on. • Your auto, motorcycle or With SmartRefi, you could refinance anything from a medical loan to a boatloan home improvement loan ... and more! Whatever loans you have, we'll work with you to find the right solution for • A loan used to finance a your unique financial situation ... so you can save money anywhere and everywhere you can! vacation, wedding, or other How does SmartRefi work? personal expense It's simple. Capital One uses an interactive tool called Savings Finders, to sort through your savings options and customize a solution that could save • A home improvement loan, you time and money. Call and speak with a knowledgeable consultant or home equity loan or mortgage cry it out yourself when you visit us at www.smartrefi.capicalone.com. Remember, the sooner you contact us, the sooner you could start saving. • And more! So don't miss out on this fast, easy and smart way to save money. Call toll free 1-877-324-REFI (7334) or visit us at www.smartrefi.capitalone.com today. HAROLD U Sincerely, STEENBURG, --D-.L w joy saving is easy! Pat W. Johnston Call toll free Senior Vice President, Capital One ® 1-877-324-REF! (7334) P.S. Call or go online today to start saving by refinancing any loan at Visit us online a lower rate. See how SmartRefi can work for you - call toll free www.smartreft.capitalone.com 1-877-324-REFI (7334) or visit us at www.smartrefii.capitalone.com. , Page 2 of 2 Home Equity • Auto • Personal • Mortgage • Education • Medical For Preferred Customers Q C R Cap!Wone' SmartRefi" ® 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 529145 G_ PLATINUM MASTERCARD ACCOUNT SEP 28 - OCT 27, 2004 5178-0522-0067-0905 Page 1 of 2 Account S Previous Balance $2,140.44 Payments, Credits and Adjustments $75.00 Transactions $28.47 Finance Charges $26.35 New Balance $2,120.26 Minimum Amount Due $63.00 Payment Due Date November 27, 2004 Total Credit Line $2,200 Total Available Credit $79,74 Credit Line for Cash $2,200 Available Credit for Cash $79.74 At your service To call Customer Relations or to report a lost or stolen earl: 1-800-903-3637 Send Payments to: Send inquiria to: Attn: Remits- Procasing Capital One Services Capital One S-1- P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information Want to make a difference this November? VOTE! Your vote is important, so get out there on November 2. Only you can make sure your voice is heard. Every vote counts! Payments, Credits and Adjustments 1 27 OCT Cap 1 ElectronicPhonePmt AuthDate 27-OCT $75.00- Transactions 2 27OCT PAY-BY-PHONE FEE $10,00 3 27 OCT PAYMENT PROTECTION 1-888-527-6904 18,47 As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. All orders will be processed between January 15 and February 28, 2005. As long as this benefit is available for your account, you must call in each year in order to receive a Year-End Summary. You will be notified in your statement on how to opt in for your Year-End Summary. Fuiance Charges ? Please see reverse sidefor important information Berl rmfe pplyd1D Pe adv re:< Cax+rppoonnd,g fPR F? Q1??V l;t1A1C PURCHASES $1,598.52 .04082% 14.90% $19.58 CASH $552.46 .0408296 14.90% $6.77 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2120260075000063005 Plesrrpn.r mai!'ngeddrsr e-maildmigrs be/ raiadblve New Balance $2,120.26 orblark,nk Minimum Amount Due $63.00 So-eet Apt M Payment Due Date November 27, 2004 G9' ZIP Total enclosed $ Home Phone Alro Alt.matePhon< Account Number, 5179-0522-0067-0905 Capital One Bank P.O. Box 85147 Richmond, VA 23276 #9030256678636518# MAIL ID NUMBER HAROLD M STEENBURG .. 729 SOUTHERN DR CATAWISSA PA 17820-8412 I Please writeyour auaunt number onyour check or money order modepayable to Capital One Bank and mail in the ent1wedenve1ope. Refinancing isn't just for mortgages anymore. Now there's a smart and innovative way to save money by refinancing ANY loan ... with SmartRefi- from Capital One! What does SmartRefi mean for you? at Customized refinancing solutions that could save you money ??? • A personalized plan with a ,? knowledgeable consultant SmartRefi Quick, no-hassle service 8 O O N N Don't miss out! The sooner you contact us, the sooner you could start saving! Refinance today. Call toll free 1-877-324-REFI (7334) ppeeriodic rate. To obtain the average daily balance for the billing pedal covered by this autemem, we take the begiaarp balance of each =.' each day, add any new trareectians to each segment, and subtract any payments or credits. fit the code N appears m lied the horn of this ririematt rext to 'Balance Rate App To,' we also marital any upaid finance charge included in the balance of each segment.) TNs gives rat the daily balance of each segment. Tan we add up all the daily balances for each segment for the billing period and divide by the total ben of days in the billing period. This gives us the rage daily balance of each segment. 3. Annul Prerrdps Rath IAPRI. a. The term 'Annual Percentage Rate' may appear as APR' on the tram of this autement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Depoah), or S (Bankcam Prime) appears on the from of Wa riatemaht next le the Periodic rate(s), the periodic retire and conespartding ANNUAL PERCENTAGE RATES may vary garteriy and may increase or decrease based on the stated indices, as found I. The Wall Sweet Jarnal, pus the margin previously disclosed to you. These changes WN be effective m the fist day of your bill period covered by your pedodic sutemern ending c. !n rho Months the code D (Prime), F 0-moo Ly iBOR)orr October. ((-mo. LIBOR Repriced Monthly) appears on the from o1 your statement recd to the periodic rate(s), the pededic rates and cerreapyJ ANNUAL PERCENTAGE RATES may My J mm a may increase or decrease based on the stated indices, as found in The W# Street Jaural, pits the margin previously disclosed to you. These changes wall be effective on the first day of your billing Period each month. 4. Asswmad of Lan, Omirrat and Rabrraad Parma Fass. Your account will be aseesxd no more than two of tie fees listed here that occur during any billing period. Under the terms of your customer agreement, we reserve the right to walve of not to assess any fees Wthcut got mtiflcatlon to you without walvintg our right to assess the same or similar fees at a later time. S.tRaawkhp Year Aosolad. If a membership fee appeal on the from of this matemem, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your accent. During this period, you may continue to we your aceoum wfthour having to pay the membership fee. To cancel your eceotm, you moat notify us by calling our Customer Relatima Department all pay your -New Balance- in full (excl uding that mere p fee) prior to the end of the thirty-day period. 8. If you port you Accounts. You can request to close your account by calling our Cuaomm Ralatlme Department. You mop destroy your credit card(s) and account access checks, cancel all preamhcdzed billing, and cease uslrhQ your arrant. If you do not cancel preaultcrized billing artargemenrs, we will cahsidar receipt of a charms your authorization to reopen yyoauur account. Additiaally, your amount will not be Dosed until you Pay all amoums you owe us including: any transactions you have authorized, fireree aargea, Pest due fees, evedimit fees, returned payment fees, cash advance tees and any other foes assessed to your accou i. You are responsible for these amotnm wheeler they appear on your account at the time you rat to close the :count or they are Incurred subsequem to your reapast to close the account. Ts may result in charges appearing on your account after you have yorr scoont it it has already been closed. For enropfe, if you authodzed a ptxdhese from a rner hens all wo receive the trmeactim from the memlrm after you eretra has been dosed, you ecceurer will oe reepe ., the 8= of the be added ro your ar wtt, and Wyouu wIN be r.=:t r payorarr. If there is a membaatp fee for your aceo nt, the fee wN continue to be charged, to the accent permitted by Iew, veil the aceam balance heat bean Paid N fill ea defined above. 7. t hall Your Acooul.vou cam Or account canoed be used in tmeeton with any ksemet gambling transactions. a. Nedra Abound Elaaaoaia (]malt Cawasbn. When you proNda a deck as peymem, you aulhodze us eider to tree i Marriott from yar deck to make a o s-time dectroric ftrd transfer from your bank accouter w to Process to Payment as a deck trans ectim. When we case mformaton from your hack to make an aactrmic fill transfer, fulls may be wittdram from your bank a- as soot as the same day Wo receive your Pay-, end you WWI not racehve your dock beck from your Financial institution. BILLINO RIGHTS SUMMARY (In Case Of Errors Or Guarldo s Abaci you Bill) If you think your bill la waorg, or If you need more Information m a transaction or bill, -dm to as on a separate sheet as aoen a=far at the atldren for inquiries on to treutement. We must hear you he later Than 80 days after we perm you the first bill on which to error or problem appeared. You can call our Customer Reiatiena amber, but dairg x will not preserve your rights. In your letter, give us the ftllowirhg mbrmation: your name and account number, the dollar amours of ===" a description of the error is and m ,T 11 you u need more I of mwwhhyyyou bclieve there1 therror; or ii mdo n, a haw t the item you are unsure about. . Y You es not have to pay oy any smarm In question whin we are inveaTigetlng if, do are still oblit= to pay the pans of your bill that are nor In question. WNIe wa 1nveatkate youralgssam, we carrhot report you as deilrhquerq or take any son to collect the amain you question. l,t Special Rule For Credit Card Purchases If you have a problem with the qudhy of property or rvkea that you purchii-d vdtih a credit cam and you lave tried in good fahh o correct the prabsm with the merchant, you may lave the right not to pay the remaining amours due on the propeny or services. You have this proteaim oilyy widen that Wrdase pnlce was more than 350.00 and the W nclreae was made in your home state or within 100 miles of your maiffg add. (If we own or operate the merchant, a if mailed you the advertisement for the popeny a services, all %chmea are covered reg;= off amours or location of purchase.) Please remember to nigh all correspo Bence. t Does not Apply to zwaumer ron-cradlt card a-asts It Does not opp/y to business zan mdit card accounts One atppona information privacy protection: we our i at www.capptalone.com. One I- a I rally registered aeMce mark of Capital nodal Corporation. All rides maervad. c 2003 Or. OILGLBAK ta. Grates Period. you will have -a minimum grace period of 25 days withau finance triorpe on new pumlases, new balance transfers, new special pu?tltesas and new other Bherme if you pay your total 'New Balance', in aC(xlmalee with the Important Notice for payments below, and In tine for it to be credited by your next mommas tloeirg date. There re re gsce period m cash ad"- ad apetlal transfers. h addition, there Is re grace period m any traraa balance Non if you do nor, pay the touei 'New . b. Ae"Ing t mFakunaa Chags, Trartsectiaa which are rat period are assessed flrrerua Barge 1) fnorrh the dale of tie transaction or 2) hoot rite date lie trsaactim is processed to your Accent a 3) from the first calendar day of the:7- bifiitt? pedot. AddtiaheWy, if you did riot pay te'Nw Beianace hoot the previow bilirg period in full, flriance charges continue to mamas to your urpeitl balance until the unpaid balance is paid in full. TNa means that you may at.N owe finance charges, even if you pay the entire New a. indicated on the from of your s atement by the recd statement closing date, but did rot do so for the praNodm morph. Unpaid finace charges you Atxouer. your added to that a cede oagnux ofing period that tic. your account ss bl ag For each billNANC Is s CHARGE t to o of a $0.50 50 will l be bat finance charge, iim a total gNANCpoaaod. If da total flnahce Barge resdlUrq from the application of you periodic rae(sl is leas tan 30.60, we will sbtrata their arnoahr from the 80.50 minimum and the difference will be biped to that ptudase aegr?ent of your account. t it rids wit I-. C rga. We reserve it. t rot saxes my in all finance charges for arty given rig t 2. Am . Dally Balaton Ilnskdkq New Prahassal. a. Finance charge is calculated y multiplying the daily balance of each a gr- of your accarrc (e.g., cash dvance, Purchase, special transfer, and special puhea l by the conespording defy periodic rate(s) that has been Pnevhutdy Aatiosad to you. At the end of each day dudng the billing peclod, we apply the daily periodic mm for ma aegnent of your etxant to the dairy bd ,f e ch e.g.- Then at dine end of de bi•ktf we LIP the reacts of these daily calculations to arrive, at your periodic fitarct: charm for each ahgrrs. We add reaps from each aegnens to emus at the total'tied. finsrhce Barge for yar account. To get the daily balace for each relations of you woeua, we take the bepmirg balance for each segment and add any rew transactions all anypa riodic finance charge call mod on the previous days belarhce mr tat aegnax. We than aWtraa pry peymtxera or coeds posted as of tat day tat am allocated fortdar ata[m1'lfis gives us the separpe daily balance fBw Bed s r accaatt. Howover, if you paid the you Previas patemaer in fill (or if your new, balance were to. a a .,am amainO, new trareactias vwhich post to your purchase or special calculate tht avera a daY added to b ed3? rag balances. da WWe belahces together, and till g the air by die ember ofy the days in the current billing cycle. To cakdam your tool force charge, multiply you average daily balance, by the dsiy perioAC rate and by the amber of days in the billing period. Due to carding on a daft' basis, dare may be a slight ,Is- varge betwserh t mend the amount of fl b. If the code Z or N appears on the trap of this mmem nt rtehd to *BM- Rate Applied To,' we mUti lv the 0J lb tall '.?Poyortta youmail to us will bat credited to your aooant as of that buakhasa day vre raoelve h, pmvitled (1) you aerhd the bottom portlm of t1NS aatanem and your check ape and (2) your patinas la received In our prceeaskq caner by 3 p.m. ET (12 neon Pi). Pleax allow at Isaac flue f5) badness days for posal ddlvery. Peymams received by re ri any other location or In any otfsr foot may rct be creditetl ate of iho dayy wo rocafye ism. Ow Dueiraea days are Monday ihrwdh Sriaday, excluding hdidaye. Please do not wee peplos, paper d' etc. vdan preparing your pa mt. Whah you sand tot a udheck(s), you sudtorizo ce to make a ena-ume eloclronie trereta diction from your beret aceourtt for the amarrt of the clack `TNs aWCdzatim applioa to all decks recelvod durkhg tla bifirg cycle avan if amt by someone olsa. If vre carnet process tine transfer, authorize ue to make a dharge against your bank oceans uainp the deck, a paper doh or other Ran. You A SPECIAL OFFER FOR PREFERRED CUSTOMERS Refinancing isn't just for mortgages anymore. What does SmartRefi mean for you? • Customized refinancing solutions that could save you money • A personalized plan with a knowledgeable consultant • Quick, no-hassle service 201236 CapltalQne•I SmartRefi' IMENOW Refinance any or Introducin SmartRefi:M all loans and start g An innovative way to save money saving today! by refinancing ANY loan! • Braces, laser vision correction, Dear HAROLD M STEENBURG, or cosmetic surgery Have you ever thought about refinancing outstanding loans other than your mortgage? Now you can with SmartRefi! Refinance any or all loans and be • College tuition or other given options on how you could save money! educational loans With Capital One" SmartRefi, the possibilities are limitless. You might be surprised at the variety of loans you could save money on. • Your auto, motorcycle or With SmartRefi, you could refinance anything from a medical loan to a home improvement loan ... and more! boatloan Whatever loans you have, we'll work with you to find the right solution for • A loan used to finance a your unique financial situation ... so you can save money anywhere and everywhere you can! vacation, wedding, or other How does SmartRefi work? personal expense It's simple. Capital One uses an interactive tool called Savings Finders" to sort through your savings options and customize a solution that could save • A home improvement loan, you time and money. Call and speak with a knowledgeable consultant or home equity loan or mortgage try it out yourself when you visit us at www.smartrefl.capiWone.com. Remember, the sooner you contact us, the sooner you could start saving. • And more! So don't miss out on this fast, and smart way to save money. Call toll free it 1-877-324-REFI (7334) or vis s at www.smartrefr.capiWone.com today. HAROLD M Sincerely, STEENBURG, 1? W. J06 saving is easy! Pat W. Johnston ® Call toll free Senior Vice President, Capital One 1-877-324-REFI (7334) P.S. Call or go online today to start saving by refinancing any loan at M Visit us online a lower rate. See how SmartRefi can work for you - call toll free www.smartrefi.capitalone.com 1-877-324-REFI (7334) or visit us at www.smartrefl.capitalone.com. .41, Page 2 of 2 r- Home Equity • Auto • Personal • Mortgage • Education • Medical For Preferred Customers fl' LOne-ISmartRefi- LMMR apita/ LCapitaf!One- SmartRefi" © 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 534015 peoplepc- online u A better way to Internet. r1 for the first 12 rnonftt - 1-888-587-9669 Mention Offer Code: COIN Visit www.peoplepc.com/go/coin UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ?V I IRJ Virus Protection powered bySymantecT" ® Pop-Up BlockerT11 Spam Controls ® Smarter Smart Dialer Technology More Email Addresses ® Internet Call Waiting cmwl Aooount S Previous Balance $2,120.26 Payments, Credits and Adjustments $100.00 Transactions $171.35 Finance Charges $28.57 New Balance $2,220.18 Mini num Amount Due $66.00 Payment Due Date December 27, 2004 Total Credit Line $2,200 Total Available Credit $.00 Credit Line for Cash $2,200 Available Credit for Cash $.00 At your service To all Customer Rdmiom or to report a last or stolen -1 1-800-903-3637 Send payments to: Send ingairia to: Attn: Remittance Procc 9 Capital One Sere _ Capital One Services P.O. Bax 85147 P.O. Box $5015 Rilmond, VA 23276 Richmond, VA 23285-5015 Inwortant Account Information We would like to take this opportunity to inform you that we T report information about your account to credit bureaus. reporting of your account information to credit bureaus contributes to your overall credit profile. Late payments, missed payments or other defaults on your account may also be reflected in your credit report. PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 OCT 28 - NOV 27, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 23 NOV Cap 1 ElectroniePhonePmt AmthDate 23-NOV $100.00- Transactions 2 27 OCT 0213 SHEETZ 00002003 BLOOMSBURG PA $19.40 3 27 OCT 0213 SHEETZ 00002003 BLOOMSBURG PA 16.01 4 28 OCT TA #212 BLOOMSBURG BLOOMSBURG PA 14.00 5 29 OCT TIRE RANCH ELYSBURG PA 45.58 6 29 OCT TA #212 BLOOMSBURG BLOOMSBURG PA 10.03 7 29 OCT 0213 SHEETZ 00002003 BLOOMSBURG PA 8.00 8 30 OCT OVERLIMIT FEE 29.00 9 23 NOV PAY-BY-PHONE FEE 10.00 10 27 NOV PAYMENT PROTECTION 1-888-527-6904 19.33 As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. All orders will be processed between January 15 and February 28, 2005. As long as this benefit is available for your account, you must call in each year in order to receive a Year-End Summary. You will be notified in your statement on how to opt in for your Year-End Summary. Your Capital One account balance exceeded your credit limit. As a result,pur account was charged an over limit fee of $29.00 on 10/30/2004. Please pay the "minimum amount due as shown on your statement to avoid additional fees. Finance Charges m Pleae tee revnre tide for important inforr aaiionn t B.1 ate Pniodu Conrsyondsng AA 1 ? ry,.?µ. H1(l C ?tirdfo If, r PURCHASES $1,705.86 .04082% 14.90% $21.59 u, CASH $551.82 .04082% 14.90% 16.98 ANNUAL PERCENTAGE RATE applied this period 14.90% T PLEASE RETURN PORTION BELOW WITH PAYMENT Gw?ft 0000000 0 5178052200670905 27 2220180100000066000 New Balance $2,220.18 Minimum Amount Due $66.00 Payment Due Date December 27, 2004 -- Total enclosed $ 1 Account Number: 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 Itlulullnllt,ultll Richmond, VA 23276 t?tl?lttll?t?l?lle?el?llatll??tll??tllttt??rll,lnllirtlli,l?l Plrampriat ?aifrngaldnn msdorr?naitrlnmarr br! ariregbturorbtark iuk Street Apt Y ZIP Alternate Photo _ #9033356678636513# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR s CATAWISSA PA 17820-8412 I??tlllu?lla?lttililllittlitlultrl?iillulilttltlliluillnl r Pleare write yow a wunt number on yaw chai or money order made payable to Capital One Bank and mail in the enclosed envelope. Kt U a online %qt Way to Internet. CATAWI§SA'PA 17 5178 0522 0067 0905 UNLIMITED INTERNET ACCESS 1-888-587-9669 Mention Offer Code: COIN Visit www.peoplepc.com/go/coin PwplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital Ong does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeopleP'C Online: First 3 months are billed at $4.97 per month; $9.95 per month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer, Offer subject to change at any time. Phone technical support available for $1.95 per minute, tAccelerator is free for 12 months. Offer good for limited time, After the first 12 months, the Accelerated service oil automatically revert to the standard PeoPi Online service. Offer subject to change at anytime. With Peoplei Onine Accelerated, certain Web page text and graphics will load faster when compared to standard dial-up Internet service. Actual results may vary. Peci lePC Online Accelerated is only compatible with PeopkPC Online Internet service and specified Windowsill browSNs. PeoplePC Online Accelerated is not compatible with Windowsill 95 with IE 5.5 $P2. Service not available in ai areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even dung trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeoplePC's discretion. Continuous use subject to firri procedures All use is subject to Peoplial Online's Services Agreement and Acceptable Use Policy, 56K is the maximum speed of service; actual speed may vary. 0 2005 PeopaPC Inc. All Rights Reserved. Peopti Online and Its logos are trademarks of Peoplli in the U.S. and other countries. 0 2005 Capital One Services, Inc. Capital One is a federally registared service mark. AN rights reserved. lf you wish to use a different credit card, for questions or to cancel, call 1-800-882.6310. While enjoying your selections and annually thereafter, you'll receive a notice. Unless you call to cancel, your magazines will continue and your account will be charged the rate shown on the notice for the next year of Issues. Allow four to ten weeks for delivery. If a tits becomes unavailable, it wW be replaced with one of equal or greater value. Cancel anytime and receive a refund for unserved Issues. Valid credit carol required. When you make a selection, you become our valued ousetrini 02004 NewSub Magazine Services LLC (NMi Four High Ridge Park, Stamford, CT 06905 is the vendor and reserves the right to limit orders. 0 2004 Capital One Services, Inc. Captal One is a federally registered service mark. All rights reserved. Any trademarks mentioned herein are solely owned by the respective entity. AAN rights reserved. NewSub Magazine Services LLC is solely responsible for this offer and is not affiliated with Capital One. Capital One floes not provide, endorse or guarantee and is not affiliated with any product or service shown here. By responding to this offer, you may be communicating Information about yourself to the company that provklas this product-for example, that you are a Capital One customer. 8 O pe odic rate. To obtain the average daily balance for the tilling peried covered by this statement, we take the beginnrg balance of each segment each day, add any row Transactions to each segment, and subtract any payments or credits. (If the code N appears on the from of this statement next to -Balance Rate Applied To,' we also attract any unpaid finance charge included in the balance of each segm rat) This gives us; the daily balance of each segmam. Then, we add up all the daily balances for each segment for the billing period and divide by the total number of clays in the billing period. This gives re the average daily balance of men segment. 3. Annual Proanasps Rio ss IAPRI• a. The term -Annual Percentage Rate' may appear as 'APR' on the from of this statemem. b. If the code P (Prime), L (3ino. LIBOR), C (Certificate of Deposit), or S (Bankard Prime) appears on the Iran of this statemam rext to the periodic raters), the periodic rates and eonesporhding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the stated Indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. Those dorohdges wall be effective m the Am day of your bill mped onths covered by your periodic statement ending January, April, July and October. c. If the code D (Prime), F 0-me. LIBOR) or G (3-mo. LIBOR Repriced Monthly) apps m on the from of your statement next to the pedor?c retails), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary mint ly and may increase or decrease based on the stated indices, as found in The We// Street Jwimel, pis the margin previously dsdosed to you. These changes will be effective on the first day of your billing period each month. 4. Aasssanrs of Late, Ovrimk and Roomed Paymrd Fuse. Your account will be assessed nor more than two of the fee. listed hem that occur during any billing period. Under the terms of your customer agreement, we reserve the right to waive or rat to assess any fees without prior notification to you without waling our tight to assess the same or similar tees at a later time. 5.1Rmnewig Yar Account. If a membership fee appears on the front of this statement, you ham. 30 days from the date this statement was mailed to you to avoid Paying the fee or to have such tee credited to you if you caned your account. During this period, you may continue to use Your account without having to pay the membership fee. To cancel your account , you must notify us, by calling out Customer Relations Department and pay your -New Balance- in full (excluding the membership fee) prior to the and of the thirty-day period. 6. If You Chm Your Amount. You can request to close yyour amount by calling our Customer Relations Department. You must destroy your credit card(s) and accent access checks, cancel all preauthorized billing, and cease TWOQ your account If you do rot cancel preauthorized billing arrangements, we wit consider receipt of a charge your authorization to reopen your account. Additionally, your account will not be closed until you pay all amounts you owe us including: any trensactian9 you have authorized, finance charges, past due fees, owedimit fees, mtumed payment fees, cash advance fees and any other tees assessed to your accemt. You are responsible for these amounts whether they appear on your account at the time you request to close the accotm or they are Incurred subsequent to ourequest to lose the account. This may result In charges cg on your account after you have your accent if it has already beak dosed. For example, if you authon a punchese from a merchant and war receive the its cum from the merchant after your amount hoe been dosed, your immune will be reopened, the amount of the charge MR be added to your account, and you will be responsible for payment. If them is a membership fee for your account[, the lie will continue to be chat of to tits exterm pemmhted by law, undi the accortt balance het bent paid ion full Ton defined above. 7. Using you Aoaavd.Your card or account cannot be used in cornecd- with any Internet gambling transactions. 8. Nohke About Elestra i. Cheek conversion. When you provide a deck as payment, you auhodze us alter to use information from your deck to make a as-time electronic fud trarefor from you bank account or to proses the payment as a check ttareectf-. When we use information bran you deck to make an electronic fund transfer, funds may be withdrawn from your bank accent as soon as the same day we, receive ou payment, and you MIT rot receive your deck ybeck from your financial kstitutort BILLING RIGHTS SUMMARY (In Case Of Errors Or Questions About Your Bill) If you think your bill Is wrong, or if you reed more Information m a trareactim cur bill, write to us on a separate shset as tom as passible at the address for inquiries shown m the front of this statement. We must hear from you nor later than 60 days after we sent you the Than bill on which the error or problem appeared. You can call our Customer Relations number, but doing so wall not preserve your rights. In your letter, give us the following information: your name and account number, the dollar amount of the suspected error, a description of Its, error and an explanation, if possible, of why you believe there I. an error; or If you reed more Information, a description of the hem you are unsure about. You do not have to pay any amount in question while we are Inveatigadng h, but you still obRgatad to pay the pans of your bill that are net in question. While we investigate your question, we cannot sport you as delinquont or take any action to collect the amount you questi-. I,t Special Rule For Credit Card Purchases If you have a problem With the quellly of property or services that you purchased will a credit card and you have tried in good faith to cerrect dime problem with the merchant, you may have the right not to pay the remaining amain due on the property or services. You have this protection only when the purchase price was more than $50.00 and the purchase was merle in your home state or wfti in 100 miles of Your mailfnq address. (If we own or operate the mercham, or if we mailed you the advertisement for the property or services, till purchases are covered regerdess of amount or location of purchase.) Please rememher to .V all conespo Bence. t Does net apply to consumer ron-credit cold accounts I Does net apply to business non-credit card accounts CapIIal One supports information privacy protection: sae our wabaft. at vrnw.capptalana.com. Capital One ie a fetlaraly registered service mark of Capital Ors Financial Corporatim All rights reserved, 0 2003 Capital ono 01LOLBAK TO. 0- Priori. You will haw: a minimum grace period of 25 do without finance charge pun balance transient, new special Purchases and new other charges if you pay your tMal 'New Balance', in accordance with the Iri portmx Nodm for payments below, and in time for It to he crmked by your next estemme closing date. Them is ne grace period m cash advances and spedal trersiem. In adrlrlon, them is ni gmox period erY trmaactm If you do rot pay the total 'New helmnce.' b. Aaaullng Fiwnoe Charge, Trarsactlos which am net sublem to a grace period am assemed flrane charge 1) from the data of the trareacdm or 2) from to date the trereectm is processed to your Amount or 3) from the first calendar day of the ascent biting ppee oil. Addriorefiy, if You old net Pay the 'Now Balance' iron the Pm billing period in full, firharce charges continue to actors to your unpaid balance u d! the unpaid balance is paid in full. This metre that you may stW owe frsrce charges, even if you pay the etdm New 8rlme Indrated er the irons of your statement by to next statement closing date, but old not do ee for the previous month. Unpaid flnane charges added to the apW -his aegmtas of your A¢ourm. tc. lilrirrem Fit- Ohrga. For each billing period that your aocant iEs stbleot to a Rnmra charge, a miKnum total RNANC CHARGE of 90.50 will be Imposed. If the total finance Burge realdn from the ?PNearlier of your periodi c rate(s) is Jena than 50.50, we will subtract that oum from the $0.50 mifmun and the differtrce will be billed to the -M.= of your attar[. rhw esseas any Charge. We reserve the t d right ot biR? paned y or all ffnmhce charges for any given 2. AWrag. Daly BWhea Ih itd"ihy New Nsahpasl. a. Rnan- charge Is calculated y multiplying the daily be erce of each aegnam of your attars (e.g., cash adven e, purchase, special transfer, and spadal purchase) byvthe i?eg dally padodic rate(s) that has been Previously disclosed to you. At the end of each day during the bilfing period, we apply the dally periodic rate for cedh segnem of your immune to the dallyy baace of eech sag erdi Than at the end of the bi;" paled, we add up the reaps of these daily calculations to arrive m your periodic finance charge for seen segment. We add up the malts from each warrant to arrive at the tonal periodic finance charge for your account. To get the daily balance for each segment of Your account, we take the bepir irq balance for men segment and a any new tra cur ctio s and any periodic finance large calculated m the previous days balance for that segment. We then subtract any paymms or credis posted m of rat day that am allocated ro that aegnaht. This gives us the separate daily balance e m your r accent. However, if you paid the your pore a credit rmouri fill (or if your new balance via trareaCtim6 which pmt to your potables or special Purcese segments am rot added to the daily balances. We calculate the average daily balance by adding all the daily balances together and dividing the sun by the comber of tits days in the utrmm billing cycle. To ralalace your tore, firhmtce charge, multiply your average daily balance by to daisy periodic rate and by the number of days in the billing period Due to rounding m a daily basis, them may be a alight variance, between this m and the amount of finance b. If the code 2 or N appears on the front of this ammerem rext to 'Balms Rate Applied To,- via mhltiphr the m4oz9 Irttportrrt Notes: Paymatts you mall to uu vial loo credited to your acorn[ as of the Duelnaes day nrve recalv0 h, Provided I1) you nerd the Dothan pond- of this atetemem and your deck in the ertclesad remittance anvalape all U) your ymarm Ia recdwd M out procosaing amen DY 3 p.m. ET (12 ream PT). Pkaae allow at lean live (6) busiest days for postal dell Payments received by us at any other kcae- or in any otlor Corm may not be credited as of the dayy vre rearve them. Our bwkssa days are Mectra orufay thrwdh Um taing holidays. Please ub not rue tropes, parer dt'pe etc. when Preparing Your payment. When yyoouu nerd us a dmackls), you atNhodze m to make ashe-hme elYC rooster debit your bank acceuatt for the antaatt of the deck This eutedzatkn appaes to al decks received during the bNkg cyde even it eerht by someone else. If we cannot process the transfer, you authorize uu to make a charge ageitst your bank aoxran suing the deck, a paper draft or cutler ban. C.-willwOne.I mortgage & home equity w Let Capital One show you the way home. Buying your first home can be an exciting but complicated process. That's why we make it easier and more affordable than ever before. Just call 1-866-896-9596 and speak with one of our loan officers. Or, visit www.capitalonemortgage.com for helpful information and great tips. You can even apply online! With Capital One's low rates and no-hassle service, home is closer than you think. PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 Your Reservation Number: 59880363606512 ENDER Account S Previous Balance $2,220.18 Payments, Credits and Adjustments $100.00 Transactions $28.96 Finance Cbarges $27.31 New Balance $2,176.45 Minimum Amount Due $65.00 Payment Due Date January 27, 2005 Total Credit Line $2,200 Total Available Credit $23.55 Credit Line for Cash $2,200 Available Credit for Cash $23.55 At your service To can Customer Relations or to report a lost or stolen mid: I-NO-903-3637 Send payments to, Send inquiries to. Attn: Remittance Proeesaing Capital One Service Capital One Service P.O. Box 85147 P.O. Box $5015 Ri6mond, VA 23276 RicLmond, VA 23285-5015 Imtrortant Account Information It's Capital One Bowl Week time again! Tune in to ESPN, ESPN2, and ABC starting December 14 for the best in post-season college football action, to see your favorite teams fight for bowl championships, and for college football's ultimate prize: the BCS National Championship. And on New Year's Day, be sure to tutu in to ABC to watch the Capital One Bowl and see which mascot is crowned the Capital One National Mascot of the Year! NOV 28 - DEC 27, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 27 DEC Cap 1 ElectronicPhonePmt AuthDate 27-DEC $100.00- Transactions 2 27 DEC PAY-BY-PHONE FEE 3 27 DEC PAYMENT PROTECTION 1-888-527-6904 595400 Enjoy great value without the hassles. Call about a Capital One mortgage today! 1-866-896-9596 -A Mon-Fri 8 a.m.-9 p.m. ET Sat 8 a.m.-5 p.m. ET or apply online at www.capitalonemortgage.com l=! $10.00 18.96 Finance Charges Plauerareverie red?*imjwtant information $ Bdamnratr Perada C e.?n?.ng M '9pswfc rate .fPR PURCHASES $1,677.16 .04082% 14.90% $20.54 CASH $553.20 .04082% 14.90% $6.77 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2176450100000065002 New Balance $2,176.45 Minimum Amount Due $65,00 Payment Due Date January 27, 2005 Total enclosed $ Account Number: 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 ???udluuJtl?nt?? Richmond, VA 23276 lulrlulltnl??lutlrllullrn??ntllunull?ln??tullnl?l PIareprint-hi gaddrcrrand/ore-maitd?urrger be/ miagbtveorblukin.E S- Apt. y C.,y S.. ZIP Home Phone Al w- Plwoe #9036356678636510# MAIL ID NUMBER i HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 ° ? IrtdllntllttltttL111ttdnLdttLtdLtLInLlLltrtlltd F Pleme vniteyour aeeount number on yaw cheek or money ordn made joayable to Coital One Bank and mail in t1m enlaced enwbpe. This is not a commitment to lend. The loan offered here is a product of Capital One, F.S.B. m 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All tights reserved. 8 o re hnc5 Ohl N tnN LeNO?n periodic rate. To obtain the average risky balance for the biking period cevered by this natanerm, we take the begiavng balance of each segment each day, add any new transactions to each aegmeri, and %&met any payments or credits. (if the code N appears on the front of di e statema t ran to "Balance Rate Applied To," we also slbllact any unpaid 8rarce charge included hn the balance of each segment.) This gives ue the daily balance of each segrn? bTrh ir, we add up all the dairy balances for each ashe billing period and divide by the total number of days in the billing period. This glues us the ggee daily balance o1 each segnt. 3. Arousal Perocnhtege Rata IAPRI• a. The term 'Amual Percentage Rate' may appear as APR' an the front of the statement. b. If the code P (Prime), L (3-trio. LIBOR), C (Certificate of Deposit), or S IBankcard Prime) appears on the from of Firs statement ran to the periodic rate(s), the periodic rates and corespoafng ANNUAL PERCENTAGE RATES an Yeaaiate?d neyeaee a farad naT?heow Streecerbased ./carnal, plus the margin DDneviauly disclosed to you. These dherhoas will be eNectlve m the flat day of your billing perlad covered by your periodic statemart ending n the months January, April, July and October. c. It the code D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appeam an the from of your natememt ten to the periodic retail), the periodic rates aM corteapahdng ANNUAL PERCENTAGE RATES may very mantily and ey Increase or decrease based on the sated indces, al fend a TAa Wed/ Street Jo-mull, plus the margln previously dsdoaed to you. These charges will be effective on the first day of your hiking period each month. 4. Assessment of Late, OsvrOnit and Reiland Payment Feu. Your accent will be assessed no mom than two of the feu gated hem that occur during any billing period. Under the terms of your cunomer agreement, we reserve the right to welve or not to assess any fare Wth ut prier re[iflcatlan to you without waiving our right to assess the same or similar tees at a later time 6.tRrswvg Your A A. ocsaaL If a ma n ..hip fee appears an the from of this statement, you have 30 days from the date this statement was mailed m you to avoid paying the fee or to have such fee credited to you if you cancel your aceem. During the period, you may continue to use your account without having to pay the membership fee. To cancer your aceoum, you moat notify us by Falling our Customer Relations Department and pay your 'New Balance' in full (excluding de meet Np fee) prior to the and of the FNrtyday Period. e. N you CI_ You Account. you can request to dose yy account by telling our Constar Relations uepanment. you moat dolor y your credit card(s) and account access checks, cancel all preauthodzed billing, and cease usirhQ your accoun. If you ds not cancer preauharized tilling arra= Fvte, we will cesider receipt of a charge your authotzatien to re en our accent. Addtiorelly, your eceoum will not he closed until you pay all amounts you owe us indV g: any trarhsactions you have authorized, fiance paw due fees, ovedimit fees, returned payment fees, cash advan er, feel and any what feel assessed to your so-. You are responsible for these amouma whether they appear on your accent at the time you rEgllem to close the accent or they are Incurred subsequent Fo your request to close the accourn. This may result in charges appearing an your accent after you have your accent If it has already been dosed. For example, if you audhorized a purchase from a nerdhant and vve receive the trrmactirt from the merchant after your accent has been dosed, your account AN be rrepened, the amount of the charge will be added to your account, and yyoouu w1Y be responsible for payment. If there is a ma , r"p, fee for your accoam, the fee will comas, to be to the enern nreitted by law, until the arrant ante has been paid h fill as defined above. 7. Using You Auwead.Your card or account cannot be used In collection with any Internet gambling tnarsacdons. (3. Native Abort Eleatrardo Check Crwerakn. When you provide a check es payment, you authorize us either to use infwmrion iron you dock to make a -d- electronic fund transfer from your bank accent or to Protave the payment as a deck transaction. When we we information from your deck to make an electronic fund trarofer, funds may be withdrawn from your bank account as soon as the same day A, receive your payment , and you AN rot receive your deck back from your fssndal institution. BILLING RIGHTS SUMMARY (In Casa Of Enom Or Oues iom About Your Bill) If you tirnk your bill is wnng, or if you reed more Information an a transaction or bill, write to ten on a Ell" sheet as soon 11 poasitle at the address for liess shown on the from of this statement. We must i? ater fort till anWrch Iris erthan ror ?rabl yyla em tsar we saki you the can call oa Customer Relation m nber, bun %rg ao wiN not restive your rights. In your, letter, giver us the foilowi Pnlamatim your rsme and ace foam n mbar, the dolor amoum of the supected error, a description of the error and an explaretian, if pasitle, of w1w you believe there is an error, or If you need mom in,'.f., on, a dexriptlan of the hem you are taRUre about. You do not have to pay ony amonm In queelot while we are Investigating It, but you m sdY obigetad to pay the pens of your bill that are not In question. Ne we Investigate you Tlestian, ore Fanner report you delinghsrt take any acution to cdlect the emorn you gUerman. i,t Special Rule For Credit Card Purchases If you haw a pmblan with the quality of property or that you purcased with a credit card and you have reed In good ftl to corect the problem with the merchant, you may have the right rot to pay the remaining amount due an the properly or seances. You have this pmmcson cry what tha purdaae V was more than 650.00 and the Wrcheee was made in your home mete or within 100 mile of your mailing address. III we awn or secrete the merdhem, or if we mailed you Fha advertisement for the property or saMCee, all pur"we am covered regemlesa of arraxnt or lan2tian o1 purchase.) Reaee remember to sigh all correapandence. t Does not sea/Y to consumer rron-twit card accouzms 3 Does rot app/Y to business ron-r adir cow -is One suppons inforretian privacy protection: we our r%glared seance mark of Capital MI rights reserved. c 2003 01LGLBAK 1. How To Avoid A Fir- Charge, ta. Onae Period. You will have a minimal grace period of 25 days witMur finance charge on new purchases, new halanre transfers, new special Purdhwas and new other charges if you Pay your total "New Balance", in aLWrdanco with the Important Notice for payments blow, and in time for it to be credited by your nett statement dealing date. Them is no grace period on cash advm eve, and special transfers. In addition, there is re grace period any tmrsactin If you do For pay the total -New haance." b. A.Fling Fit-. Charge. Trarsa [- Akh are not sublact to a grace period am assessed hence charge 1) from the date of tha tansacdon or 2) from the date the trrsactim is processed to your Account or 3) from the fimt calendar day of it* aamem billing period. Additionally, if you did net pay the "New Balance" from the previous billing period in full, firence dirges condow, to atone to your urpairl balance until the unpaid balance is paid in kill. Thal mesa that you may atia owe trance cihargsa, evan if you pay the entire New Balaras imitated an tan frond of race do re, staterew for the the rem saterrent rising date, but did preview, month. Unpaid finance chergea em added fo tha ble segment of yon Arent. t c. M your r account Is s bead a Far finance each c charger, a nFe t d. If RNANCa CHARGE CHARGRGE o of 400.50 .50 will be Imposed. f the total I-=:area maltlnp tram de dm of you Period. mta(a) is lens tlan 30.50, wo wiY subtract tlatr armours from the 60.50 minkn m and the difference will be ema billed to the purdase segr?aet of eecouret. td. d cry a in Franca ergs. We reserve the 91A to no, tilling ppaaced. any or all finance tons for any given 2. Average Oaky Bsheme IInWSdsg New P rtlruarl. a. Finance charge is calculated y multiplying the daily balance of eech aegnem of you aceaam (e.g., rash advance, purchase, special transfer, and special purchase) by the certaspodrrg dally periodic Foals) that has been previously disclosed to you. At the and of each day during de bigbg Larbd, we apply the dally periodic rate fo each aepnrm M your accent re the dally balance of each aeg em. Than at tha end of the billing period, we add up, the riodic hea results of tlncehhse daily calolatio a to arrive at yar pe charge for each segment. We add realty from chi the finance charge for="` to amve n the total perie odic ard balsa for sach segnert your amen[. 7o get the daily balance fora h a chi of your accent, we take the begkin g and add any raw trareactiore and any periodic fofo flrarhce large Falcubted an the mvious alerts rhce r tla[ ae()tnax. We den slb[ract p any pa=. or credo prated sa of cat day that am aBOCatad to that sagnerd. Tana gives us the saparne bay balance for each aegruemt of your eccasx. Flowever, If you gpeeld the Never Bsiahce shown an your previous rta[entrn in full (or if your new balance All zero or a credit amount), raw trarhmcdon which poor to your purdase or special Purchase segments am net added to the daily balances. We calctlete tls average dal1Y haIaX by adding all the dally balaaros tegetler and d 144 the will by the number of Fla days in dire clamnt billiii cycle. To calculate your teal ma dnrye Inimical , hiply Your average dsly balehce by the daily periodic rats and by the ember of days in the tilling period. Due to rousdug an a risky basis, there may be e INgM dehce between Falaledan anal dhe emoum of fire large scrappy all. b. If code or N appears on th e from of the satemem set to 'Ba1 lance Rate te Applied the To,' we multiply the holastad Nodes: Paymums you mall tow will be created to your accent as of Fhe busirsae day wo receive h, provided (1) you send the bottom portlon of this satamem and your deck In the a closed remittance envelope and 12) your payment Is received I. eu proc, Fill caner by 3 p.m. E7 (11 ram PT). Reese allow at least Ave (5) burkess days for =bank I's onto receveed by us at any otter loatlan or in any .other corm my not be credited as of the erayy we receive them. Our bualreu dsyeare Malay through SatudaY, axdlldlg hoiiEaya. Please do rat use espies, paper diets etc. wren preparkq your payment. When you send us a clack(s), you authodza ue to make a on -time electronic transfer debit reran your bank accou t for the amount of the deck TMs authadzatlen appiles to dig decks receved during the Nlling cycle even it diem by aoneune ace. If we cannot process the transer, you authorize us to make a large against your bank account using the deck, a paper draft or other item. eaphwOne• I mortgage & home equity - Let Capital One show you the way home. Buying your first home can be an exciting but complicated process. That's why we make it easier and more affordable than ever before. Just call 1-866-896-9596 and speak with one of our loan officers. Or, visit www.capitalonemortgage.com for helpful information and great tips. You can even apply online! With Capital One's low rates and no-hassle service, home is closer than you think. PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 Your Reservation Number: 64010562480407 TN%*Rn Account S Previous Balance =2,176.45 Payments, Credits and Adjustments $75.00 Transactions $28.79 Finance Charges $27.68 New Balance $2,157.92 Minimum Amount Due $64.00 Payment Due Date February 26, 2005 Total Credit Line $2,200 Total Available Credit $42.08 Credit Line for Cash $2,200 Available Credit for Cash $42.08 At your service To nn Cwtoma Relations or to report a lost or stolen card: 1-800-903-3637 Send payments W. Send mgaiaa to: Attn: Remittance Pro- ng C.Iiw One Services Capital One Savior P.O. Box $5147 P.O. Box $5015 Richmond, VA 21276 Richmond, VA 23285-5015 Important Account litfonnation We would like to take this opportunity to inform you that we may report information about your account to credit bureaus. The reporting of your account information to credit bureaus contributes to your overall credit profile. Late payments, missed payments or other defaults on your account may also be reflected in your credit report. DEC 28, 2004 -JAN 27, 2005 Page 1 of 1 Payments, Credits and Adjustments 1 27 JAN Cap 1 ElectroniePhonePmt AuthDate 27-JAN $75.00- Transactions 2 27 JAN PAY-BY-PHONE FEE 3 27 JAN PAYMENT PROTECTION 1-888-527-6904 595400 Enjoy great value without the hassles. Call about a Capital One mortgage today! Mon-Fri 8 a.m.-9 p.m. ET Sat 8 a.m.-5 p.m. ET or apply online at www.capitalonemortgage.com fl="I $10.00 18.79 Frnatlce Charges Hew me reonresidefor important information Balannrat Periodic Correspan]ircg ?1CE ` ` gepliedta rat AAPP (? r ?E PURCHASES $1,639.07 .04082% 14.90% $20.74 CASH 5548.65 .04082% 14.90% $6.94 ANNUAL PERCENTAGE RATE applied this period 14.90% V PLEASE RETURN PORTION BELOW WITH PAYMENT Q? 0000000 0 5178052200670905 27 2157920075000064009 New Balance $2.157.92 Minimum Amount Due $64.00 Payment Due Date February26, 2005 Total enclosed $ Account Number. 5179-0522-0067-0905 Capital One Bank P.O. Box 85147 11111111111111111111 11 Richmond, VA 23276 LNLLJINnLILnLllollnllLnlLnndLlul6ullNJd Pl,-ej-.t maif'ngadh--V e--1,han1erbeiou-;rbl orbl-kink S? Apt # uq S.. ZIP Home Phone Altaaste Phone #9002856678636519# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 ° ? INNNIII,NNIIIJ?NNIdIIttILILdINI1NN16NI?l,JlllNl,NNII,NI r Pleare mriteyour account number on your cluck m money ender made payable to Caputo! One Bank and mail in the enlaced envelope. This is not a commitment to lend. The loan offered here is a product of Capiral One, F.S.B. (9 2DO4 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. r_ aaltta? f 8 O 1 us mm 0 0 N t0 Q LENDER p?edodic rate. To obtain the average daily balancefor the hillirq period covered by this statemem, we take the begmrg balance of each segment each day, add any new, tranamnona to each aegnm, and abiraw any p-ymeme or credits. (If the code N appears an the tront of this autetnatt next to "Balance Rate Applied To,- we ale subtract any unpaid finance charge included in the balance of each segment.) This gives us the daily balance of each segment. Then, we add up all the daily balances for each number of de The in billing the billing and dal g the us the verage daily balance of each sseeg menhi This 3. Amt Preafpa Ruts (APRI. a. The tear 'Annual Percentage Rate' may appear as APR' on the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Cenificate of Deposit), or S (Bankcerd Prime) appeals an the from of this statement next a the pedoufic rattle), the perm E rates and conmationdng ANNUAL PERCENTAGE RATES may vary quarterly and may mamas or doemase based an the mated indima, as food in The Wall Street Jourrsl, plus to margin pprewously disclesed to you. These Ms vin be effective an the film day of your bin p the J. voted ew by your periodic met-- erring ry. April, JUT, nd October. c. If the coda D (Prime), F 0-mo. LOR) or G (3-trio. LIBOR Repriced Monthly) appears on the tram of your statement next to the pedadc oafs), the ppeerrl1adc urea end coneapondrq A A"' PERCENTAGE AATES ley vary monMy and aY inames or decrees based a the mated indcs, as found in The We# Street Jw 1,, pks the margin pre`iotely diseased to you. Them changes Will be effective on the fil.t day of your billing period each march. 4. Astssrrd of Lift, Ovrgrrit and Retimed paynrait rest. Your account will be assessed no mom than two of the fee. listed het that Occur during any billing period. Under the tears of your customer ogreamel, we mane the right to ive or not to aaseas any fees without pdor notificetlon to you without waiving our right to asmae the same or similar fees at a later time. 6.tArawbhg Your Amount. If a membership fee appeal. on the hold of this statement, you have 30 day. from the date this statement was mailed to vou to avoid paying the fee or to have such fee credited to you it you cancel your account. During this period, you may continue to ten your actmaan withers having to pay the membership int. To cancel your account, you must notfy usyby calling our Customer Relations Department me p,.tri Ur'Nepw Defence' in hYI (exduxfirg the B. If You Class Your Amount. You can tle thirty-day period. aquas[ to clam yycur account by telling our Customer Relaflana Ueper[rnent. Vou moat ulemroy your credit carols) and account access checks, cancel all preamhodmd billing, and team using your account. If you do rat cancel presmherized hlNrg arrangements, we will consider receipt of a charge your aumhodzatim to reoppenyoum accent. Additionally, your a-. will not be closed until You pay all amounts you owe us including: any transaction you have authorized, finance charges, pi m due face, ovenlimit fees, returned payment fees, all advance fees and any whet fees assessed to your accent. You are responsible for these amounts whether they appear an your accent at the time you mgmm to close the accent or they am Incurred subsequent to your request to tore the accent. This may result in chames aooearma an vour accent after you lave You amount if it has already been dosed. For example, if you authorized a Purchase from a merchant and we receive the transaction from the merchant after your amour has been closed, your account win be reopened, the amount of the charge win be added to your accost, and you will be responsible for payment. If there is a membership fee for your account, the fee will continue to be clamed, to the extent Un itted by law, until the account bbaallonce, has tree, Pelt In full as defined above. 7. Using You Aes ard.Yoa card a accent cernot be used a correction with any Internet gambli g trarmcdas. 8. Nefloa Abort Elommaio Cask Orrver ion. When you provide a check as payment, you suthod- us elder to use information from You clsck to make a one-time electronic fund transfer from your bank amount w to Process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn train your bank amount s seen as the sere day vise ceive gars Payment, and =m%6 l not receive yarem Mack back from your financial a,. BILLING RIGHTS SUMMARY (h Case Of Error Or Gutestlons About Your BNB If you think your rill is marg, or If you rend more information an a tmrsacdm at bill, wait. to us on a separate sheet as soon as possible at the address for inquoihes shown, en the from of this s[atemem. We must fear from you no later than 00 days after we non you the firm bill an which the eraror a problem appeared. You can call our Customer Releds number, but doirg so will not preserve Your right In your attar, five us the alkhwing mamation: your na.me end account number, the dollar amount of the suspected error, a description of the .nor and an eoplenatia, if possible, .1 why you behave there is an error, or If you reed more Infomstia, a description of the from you are umre abort. You do rot have to pay any amount In question while we are investigating 11, but you re suit abiigaled to pay the Pena of your bill that ere not In question. WNIs we invemlaaIs your quesdon, we meat report you as delinquenn or take any action to collect the -moot you glnemlon. 4,1' Special Rule For Credt Card Purchase =,%o problem with the quality of property or You purchased with a credit card and you have tried In good faith to correct the prober with the mere am, you may have to right not to pay to remaining ry or wl - Vou have Ws amount duns on == protettlon ouiy purchase rice wan more than 850thin .00100 endmiles o the paf your r y.:mawasiNng ma address. your 'If we ohomewnmeorte or wi operate the m foV4, or if we mailed you the advedsemm for the prgany our services, all purchases are covered regardless of annum or locate of F=or.) Pleas remember to sigh all coneapadence. t Does cot apply to consumer con-credit card accounts I Does not apply to business amt-credit card accounts One euppons infomation privacy protection: we our at www.c purane.cam. One is a tedarely registered service mark of Capital social Corporation. All rights reserved. 0 2003 'ta. Grata Prod. You will hea minimum grace period of 25 days without firence Mherge on new purchases, new betro answers, new special purchases and new otluer charges if you pay your tonal "New Balance', in mordaMA with the Important Notice for payments below, and in time for it to be credited by your nets statmerlt closig date. There is no grace period an cash adwri s and apedel tra sfers. In addition, there is no grace period any ten then if you do not pay the Mal -New balance.' b. Aeerrrig FYsae Charge. Transactions which are rat abject to a gram period are assessed finance charge 1) tram the date of to trarracdm or 2) tram the date the trareection is processed to your Amount or 3) from the first calendar day of the current billing period. AdmitioneNy, if you and not pay the 'New Balance' from the previous billing p d d in full, finance Mages codas to sins to your unpaid balance until the unpaid balance is paid in full. This mars that you mayy stirs owe fian ece Marge,nt of even if you pay the afire New 9simhm idicatd a the fro your statemou by the rota statement closing time, but rid not do so for the previos month. Unpaid finance charges am etkbd m the aoofmba eegntot of your Aurntra. tc. your your account In as argu. For each tiling period then bject to a finance charge, a .knm total FINANCE CFVmfi(iE of 80.50 will he Imposed. If the sot.1 111- du rsiltinp from the katan w r Palladia rme(s) is lea then 10.50, we will abtr-t that amount from the 80.50 miirttm and the difference vin be billed to the puclaae ent of your moon. td. Trhpwry Reduaian in Faunas Charge. We reserve the right toppa??ses my or an finance charges for my given 2. Avruge OW Balsam (kroktlbg New Purchases). a. Rname charge is calculated y multiplying the daily balance Of each segnrt of your motrs (e.g., cash advance, purchase, special transfer, and special purchase) by the conesporudng daily pedodc Marla) that hire been pevinuly disclosed to you. At the rid of each day during the billing period, wle apply the daily p;dodc rat for each segment of your amount to to dally balance of each segment. Then at the end of the burg period, wer add up the malts of these daily calculations; to arrive at your periodsc?r?? rye for each segment. We add tp the finaro Me ars?mhent to emve at the total periodic rye gar amount. To get the daily balance for siarte f itchof 4your= mount, we, take the beginning and a rfodc finance arid add any new ttnaactiore a nY charge calculated an to previous days ro for that segment. We den subtract my payments or credit posted se of V. cot ere allocated spat dasm y tha to tint se or cm This gvs cn ma ny bsianca for each aegrrm of your amain. However, If you paid the New Balmm siavwm on you pmNes aatanm a fill (or if Your now bal.- ors zero w a croft amount), ncw trerractiona which Post to your purchase Or special porches aepnents at rot added to the elegy bsiaees. We calelme the avemge dally belerhm by eddng ell the elegy bal ances tmgeter end dividrg the tun by de number of the days in the c[rrret billkg cycle. To calculate your total finarhm clheng r neldplY your average dimly balace by the daily periodic cote and by the nether of daysoeey he inlthe billing :r . Due m raua,drhg on a deny basis, ,t a variance between this calculation and the amen[ of flnance Marge scnally assessed. It. It the code 2 or N m an the front of Ws matement rent to 'Balance Rate Applied To; we multiply the linporter Nwioe: Payrtems you mail to ka will be crttdted to your accent as Of the buelnese day we recelve h, prowtled ( t) you send 11ha bot[an poem of thin matmm and your crack In the endwed remittance envelope and (2) your paym.m Is receved In our attic-akhq caner by 3 p.m. ET (12 noun PT). Rum allow et learn five 15) business day. far ptstel deNvery. Payments received by ue et any other locates or in any other form may riot be credited as of the day we recelve them. Our business days are Monday thrmegh Saturday, W(eluldrg holidays. Rtase do rat use staple, paper dips enc. wham Pmpadg your payment. When you send us a check(s), you authorize us to make a one-time eleclroNC trerrefer debit from your bank accaan for the amarrc of the Mack This auuarization applies to all checks mcaived during the billing cycle even if sent bV smeae else. It we cannot proms the tranaler, you authorize us to make a charge against your bank account using the check, a paper draft or other ten. Capitalone` I mortgage & home equity - Let Capital One show you the way home. Buying your first home can be an exciting but complicated process. That's why we make it easier and more affordable than ever before. Just call 1-866-896-9596 and speak with one of our loan officers. Or, visit www.capitalonemortgage.com for helpful information and great tips. You can even apply online! With Capital One's low rates and no-hassle service, home is closer than you think. PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 Your Reservation Number: 6402 046 416 6961 T'R Account S Previous Balance $2,157.92 Payments, Credits and Adjustments $64.00 Transactions $18.64 Finance Charges $27.18 New Balance $2,139.74 Minimum Amount Due $64.00 Payment Due Date March 26, 2005 Total Credit Line $2,200 Total Available Credit $60.26 Credit Line for Cash $2,200 Available Credit for Cash $60.26 At your service To call Customer Rtkdons or to report a lost or stolen cud 1-800-903-3637 Send Paym.u to: Send ingL-a to: Attn: Remitta- Processing Capital One Services CaPiw One Services P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 JAN 28 - FEB 27, 2005 Page 1 of 1 Payments, Credits and Adjustments 1 17 FEB PAYMENT RECEIVED - THANK YOU $64.00- Transactions 2 27 FEB PAYMENT PROTECTION 1-888-527-6904 596720 Enjoy great value without the hassles. Call about a Capital One mortgage today! Mon-Fri 8 a.m.-9 p.m. ET Sat 8 a.m.-5 P.M. ET or apply online at www.capitalonemortgage.com Q $18.64 Finance Charges Please see reuerm tide far important information m Bdann rate Periodic CoA,* 8 M apwfo at RAVE 0 PURCHASES $1,601.11 .04082% 14.90% $20.26 CASH $547.21 .04082% 14.9096 $6.92 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2139740064000064007 New Balance $2,139.74 Minimum Amount Due $64,00 Payment Due Date March 26, 2005 Total enclosed E Account Number: 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 1111u11n11n1n11111 Richmond, VA 23276 11111111111111111111111111111111111111111111111111111111111111 P/ear.Pi -d''ng "- -14_ tnvi/rhmgrr .,V H_ wblankkk Street APL i coy Snu ZIP Home Phone Al.-s Phone #9005856678636516# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 o _- ? VIII VIII VIII11111111111111111111111111111111111111111111111 F Please veniteyour auaunt nu"tiW on your dbuk or money ender made fil"ble to Capital One Bank and moil in the enrlaed envclofe. This is not a commitment to lend. The loan offered here is a product of Capital One, F.S.B. © 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. feHOFR To . Gmee, Period. You will hate a minimum grace period of 25 days without finance Barge on revv purchases, now balance travelers, raw special purchases and new other Barges if you pay your total 'New Balance-, in accordance with the Importex Notice for payments below, and in time for it to be eredhed by your noxt starement dosing date. There is ne grace period on man advances and special transfem. In addition, there is no aceperiod any t'emsactim If you do rot pay the totalgr'New balance. b. AoaruhV Fiha os Change. Trarsaalona which are not stgrct to a gate period am asseasod finance large 1) flan the date of the trsrractlon or 2) from the data the traseclim is processed to your Account or 3) from the first calendar day of the current NEkV period. Addtioneily, if you did not pay the 'New Balance front the previous baling period in full, finance charges contnuoo be socme to your upend balance until the unpaid balance is paid in full. Thfa means that you ma1, still owe fiance Barges, even B you pay the mom Maw so a indicated on the fiat of your statement by tine next statement closing date, but did not to so for the Pmvlam month. Unpaid flranoa Barges added to the eppRcable e aeg.ht of your Acowt. tic. Niimm Fr-- Olirye. For each billing period that your acoaut Is aut)e-t to a finerwre Barge, a mit*.- total RNANCE CllAROE of 50.50 will be Impoaal. If to total finance Barge realdnp from the application of r wyaerr pedodc rate(s) is lose then 50.50, we will atbtract thet Moult from the $0.50 minimum and the difference MR be billed to the purchase aegenrxt of your accam. td. Teanporary Rsdrotien 1. iRna se Charge. We reserve the right to not asome cry or all finance charges far any given bigirp pedoQ 2. Awags Dory Iihaksiq Nsw Puchasesl. a. France charge rge 1. is segment of account the daily balance of urc aegmem of your er and (e.g., cash each advance, c purchase, special transfer, and )pads as boon el by the codilly periodic 00 rate(s) ethat ach has been previously disclosed to you. A. At the end of eadh deny during the billkg period, we apply the daily periodic rare for each g aenent of your atxxcat to the deNtr balance of each segment. Then at the end of the billing period, we add tip the teats of these daily celalations to arrive at your Periodic finance charge (or each segment. We add up the rests from each segment to endue at the total Periodic finance Barge for war aaeux. 7o gar tie daily balance now, take the beginning balance for each of your accoutt, weV transactions and any ppeeriodic finance charge calculated an the pmvioue days belarce for that segment. We then subtract any payments or credm posted as of that day that am allocated to that aegrert. TNa gives is the a.Peraa daily balance eaxxevi However, If you d the in full New rhce shown If your new balance wen _ or a credit amount), no (or your an Y trasactiare wtidh prat to your purdase a .pedal pudase a. ales he a era em denotnadded m the deny the daily y balances s the average dally balance by adding all the daily the t days in the current: billing cyder. To calaaate your teal finance Barge, mJtiply Your aversge daily balance by den daily?'odc roe and by the ember of days in the NIRrg Red Cue to rarhding on a rally teals, tfnere may ben a ailght variance between his celaietbn and the emrxm of the dente acnsRY assessed. In""' b. If the code Z or N appears on to from of this satemem next in 'Balance Rate Applied To,' ws multiply tlhe g O I O N? O n? mud N °N billfrg period covered by this statement, we take the balance of era ro each each segmen each day, add any new, eOF credits. (It the o N cot, and attract any payeems Rase on the inorht of this statement nos to 'Balance Applied To,' we also attract any unpaid fnance Barge ithcluded in the balance of each segment.) This gives to the daily balance of each segment. Than, we add up all the daily balances for each u er r of day In bRig he Nilli period. ?od This by gf es two[ the e ra?gee daily balance of each -g -. 3. Aasal PReertapa Rater (APRI. a. The tens -Annual Percentage Rate' may appear as APR' on the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), OF S (Bankcam Prime) appears on the from of this Statement next to the Periodic ratt(le), the elaic ERCENTAGpE RATES rates anti concepo ding ANNUAL PERCENTAGE" may vary quarterly and may increase or decrease based the sated irdoes, as farad in Tae Well Street Jmaaal, plus the margin preNouay disclosed to you. These Barges will be effeNve an the IM day of weer billing period covered by your pedodc statement ending In the months January, April, JWyy and October. c. It the code D (Prime), F (1-me. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appears an the from of you statement next sto the periodic Fate(s), t e periodic rates and NTAGE RATES vary rho p nd ANNUAL se broad on the stated indicaa, lee found in The Wall street Jozrmal, pis the margin previously disclosed to you. These changes will be effective an the first day of your bills g period each month. 4. Assessed of Late, Ovalli tit ail RWn1ed Prymarr Faee. Your accent will be assessed no more than two of Me fees listed here that occur during any billing period. Under the terms of your customer ag ement, we reserve the right to waive or et to assess any fees without rir notification to y Wthan waiving our right to assess the ceme or similar fees at a later ifma. 6.tRenewing Your Aecert. If a membership fee appears on the from of this statement, you have 30 days tram the date tis statement was mailed to you to avoid paying the tee of to have such fee credited to you if you cancel your accent. During this period, you may continue to tee your amotm without having to pay the membeehfp fee. To cancel your accent, you moat notify ce by calling our Custaner Raletiona De( :rem and pay your'New Balance' in full (excluding the membership fee) prior to the end of the thiny-day period. S. I1 You Cons Yo r Aaenut. You can request to close yyour account by calling our Custaner Relations 0apartment. Vco must destroy your credit card(s) and accost access decks, cenoel all preaudh dze l billing, and cease uairg your account. If you do net cancel preadherized billing arrangements, we will consider receipt of a charge your authhorization to reopen you accent. Additiorally, your account will rot 6e tined until you pay all amounts you owe us including: any transactio s Yar have autlarizetl, finaroe Barges, pest due fees, overlimit fees, Other le rer feas es asseaepaymented tee;, cash BdVafee 1... one any t0 your accent You ere respahalble for mesa amams whether they appear You. request to lose co your %:y ore e Intcu the time d c the e l to dlea sn the they ar a rre resul m chhaa? request coup TNa m may ay heat In c ge ppearing co your r aaxcnt after You have your account if it has already been dosed. Pow example, if you authorized a puncher from a merchant and we receive the transaction from the mere ant after your accasa lag bear, dosed, your accent will be reopened, the amass of the large will be added to your accent, 'and you will be responsible for payment. If them is a membership fee for your account, the fee will condir"' to be c a , to the steam p?rtrttted by law, umll the eceesK ben nee has been peal In fW as defined above. 7. Using You Aooout.Yea card or accaart cannot be used in cm-lion with any Internet gambling transactions. 8. Holies Abet Esoberan Cheek Conversion. When you provide a deck as payment, you authodze u either to tae intortnatim from your dock to make a ore-time electronic f nil trasfer iron your bank accou t or to process the paymet as a deck tramactim. Whan we ise information iron you deck to make an electronic find transfer, frrffi may be Mt drawn from your bank accent as noon as the same day w s receive your payment, and you MR rot receive Ver deck beck from you flan lid irsti[utim. BIWNG RIGHTS SUMMARY (In Case Of Emma Or Guestors Alwut Your BN1 If you think yule bill is wrung, a If you reed mom information an a transaction on bill, wme to us on a separate sheet as soon as possible at the address for irworice strewn on the from of thisy asateme t. We must the hear from you no rst bill an w ich Ito error orr oblem after we ap ar You can you can fi call our Customer Relation. number, burt?dong s For preserve Your rights. In your letter, th co lo give the idlowirg imo : your name and or, ant nunb er, the dollar a unt of nd a ne n of the suipecred , if poerror, a description of the eror and explafti you ntii possible, of wfiyy won believe there is th array; or If yw nud mare o doh , a description of the hem you am unsure .ban. . Vou n es mat Nava to pay any amount In question while we ere youairg It, bun you re still o pay the pens of of your WI the are not on Whit t ort you . While we Investil la ere your quesm, we carrot re .anon tau as asumhett or cake any sadon lon to c dlect the arrant you question. t,t Special Rle For Credit Card Purc ases If you rata a problem with the quality of property or services, that you purchased with a credit cam and you have tided in good faith to correct the problem with the merchant, you my tow the right net to pay the remaining amount due an the property or services. You have Wa p950rotecti01on oendilythevtten theapuwas ma=sdefn ;ramyouwarhone sure s more tan or . within 100 miles o of f you your malfing address. lli we own or operate the merchant, or if we mailed you the adtertisemem for the prrrty or services, all purchases are covered ragerdesa off amount or location of purdase.) Reese ranemher to sigh all correspondaoe. t Doles not apply to consumer renaredit card accounts f Does rot apply to business non-credt card accounts t aPierta information Privacy protection: sea our www.captall-com. t is a federally r;y,'em ed WNCe mark of Capital Ral Coryoretian. All rights reserved. a 2003 t 01LULDAK Irtpatat Notlw: Paymema you mall to us tMll he crettetl to your accent es of the busksea Bail vhe receve h, DmNded (1) You sad the botlan portion of this nnemem and your dock In the endeared remittance envdape anti (2) your p+}mom Ile rucdved In our prrxxsaing cater by 3 p.m. E7 (12 coon Pat. Reaae allow at lean five (5) buralrneas efaye for postal Delius Payments received by tae n any athrr Iocavon or in any other form may rct De crafted as of th de we receive them. Qr btsirsw den aye. Reese do not use ate 8s ys.are Monday though SetutlaY, exduding hdid li paper dips etc. vN en Preps rag your payment. When eerd us a deck(s), you au fern ze ua to make a cne came electraic tmrsftr debit from your bard accoun for tae enters of the deck TMs aWorizatien applras to all dscka received during the billing cycle .ten it sent by ttanoare else. If we cannot process the treater, you autheriza us to make a Barge ageinet your bank accourrt using the dhacK a paper tlreft or ocher ham. COPIWQye• I mortgage & home equity - Let Capital One show you the way home. Buying your first home can be an exciting but complicated process. That's why we make it easier and more affordable than ever before. Just call 1-866-896-9596 and speak with one of our loan officers. Or, visit www.capitalonemortgage.com for helpful information and great tips. You can even apply onlinel With Capital One's low rates and no-hassle service, home is closer than you think. PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 Your Reservation Number: 6403 036 477 8392 T%WR AccountS Previous Balance $2,139.74 Payments, Credits and Adjustments $64.00 Transactions $70.19 Finance Charges $24,82 New Balance $2,170.75 Minimum Amount Due $65,00 Payment Due Date April 27, 2005 Total Credit Line $2,200 Total Available Credit $29.25 Credit Line for Cash $2,200 Available Credit for Cash $29.25 At your service To can Cwomer Relations or to report a lost or stolen card: 1-800-903-3637 Send payments to: Send inquiries to: Attn: Remitmn« Processing Capital One Services Capital One Semec P.O. B. 85147 P.O. Box $5015 Richmond, VA 23276 Richmond, VA 23285-S015 Important Account Information Please review the important information enclosed with your statement and keep a copy for your records. FEB 28 - MAR 27, 2005 Page 1 of 1 Payments, Credits and Adjustments 1 21 MAR PAYMENT RECEIVED - THANK YOU $64,00- Transactions 2 08 MAR 0216 SHEETZ 00002Q03 ELYSBURG PA 3 09 MAR PETRO STOPPING CENT MILTON PA 4 27 MAR PAYMENT PROTECTION 1-888-527-6904 $39.33 11.93 18.93 Fmance Charges Plecue me reverie tide for important information N P&satr Prr to Correrpond ng FII?IAN? ? dm rat APP CIjARI:t, PURCHASES f1,622.88 .04082% 14.9096 $18.55 CASH $548.99 .04082% 14.90% $6.27 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2170750064000065005 New Balance $2.170.75 Minimum Amount Due $65,00 Payment Due Date April 27, 2005 Total enclosed $ Account Number. 5178-0522-0067-0905 Capital One Bank P.O. Box 85147 I11 111111 11 111 111111 11 Richmond, VA 23276 111 11111 111111111 111 1 1111111111 11 111 11111111 111111 11 111 1111 1 1 1 ury 596720 Enjoy great value without the hassles. Call about a Capital One mortgage today! 1-866-896-9596 Mon-Fri 8 a.m.-9 p.m. ET Sat 8 a.m.-5 p.m. ET or apply online at www.capitalonemortgage.com PI-print-1,ngads;rxr-,I/- r-.rvitd-V be! -,rbl orbtarkinE Sum Home A.. Alternate Phone #9008656678636517# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR o CATAWISSA PA 17820-8412 a _ ° ? 1,tdlllltlltdttdtllLnLdtlLrltttlL?lllnltlLlnt111d Apt Y ZIP r Pleae unite yow account number on your check or money order made payable to Capital One Bank and nail in the e-1wed envrlope. This is not a commitment to (end. The loan offered here is a product of Capital One, F.S.B. (0 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. Q L 0911 r=w• te. u?aaa Mind. Ym vAll have a minimum gram period of ppeenodc rare. To obtain the average daily balance for the billin eriod co d b hi your account if it hem already been domed. For example, char 25 deem wnsfer finance cia ur new pard -w, new balance treretem new $ledel purchases end rwwr other g p vere y t s ararmrent, we take time begimrrp balance of each segment each day, add any now t r . if you authorized a purdhem from a merdYartt and vre receive rho tranaecdm item the merchant after , charges i you pay your total 'New Balance', in accordance with, the krhportant Notice for P4 antra below ransao . . to eetlt seem, and subtract any payments or credits. (If the code N appeals on the front of this stateme -B ' errant has been dosed, your accona will be mo ed, the amount of the charge will be added to your account, , and it time for it to be credited by your eels amt - nt nem fo alance Rate Applied To, we also subtract any unpaid finance charge Included in the balance aM yyoauu will be responsible for payment. If there is a maMemW fee for your account the fee will s i andsp rite. These is no gmce paned on rash ad"- a and special transfers. In addtlon, them Is no grace period of each aegmatt.) TN. gives us the daily balance of each segment. Then add up all the daily balances for each , nt ne to be charged, to the emem p ardnod by law, ung the reco b l h on MY tls-lion if You do rot pay the total -New mailman for the bbilling period and dvide by the total unt a ance as been id In full as claimed above. 7. Using Your Aaaarant.Yo card or accmre cannot be b. Aoauiq Fnhaee Charge. Transactions which are not ember of days In the billing period. This gives us the average daily balance of each e V segment. 9 used In eorra:crion with any Internet gambit dsac agect to a grace period am easor romrth dale 11 or ) from the, date of the o from the date the Par - Rai- 3. tassel IAPRI• a a. The term erm 'Annual Pe l Percentage Rate' ma a ear as Ne 8. hula. About EGaobania eMok Cawrabn. When you i e eel to ur co Benait ca slelem is procured to your A?tt or 31 from the ndAddit er day of the arrant period rall y pp 'APR' on the front of this sarement. b If h d P P prov d a deck as payment. You autthodze us eider to tae infomaton from your deck to make a ors-time ncle- . prevIO y, b you rid play not the ,Now from the . t e co e ( rime), L (3-mo. LIBOR) . C (Ceniflste of DeP(Sh), or S (Bankcard Prima) eppsm on the from of electronic fund transfer from Your bank arrant or to esr the payment yo e deck t Wh worm i rp an fi ll inane charges charges period yo , balanc o to accrue full. your unpaid balance grit the Unpaid balance is paid in fir. this statement nnm to the periodic rate(s) the parodic rates end , corresponding ANNUAL PERCENTAGE RATES en we use s Information from your deck to make an Make an. olec trorsc l d This mearse that you may adll owe firarra tlarges, even if Vouu Day the mom New era i d d may very quanedy and may increase or decrease based u transfer, funds may be withdrawn from your bank account as awn ea the "me day we receive your s h rate on hie ftonn of your statement by the mm statement Closing date, but rid for the penurious month. Unpaid f1manco d 7" rat ad on the stated indices, as found in The Walt Streal Jofrral, pus the margin Drewauoly dadoaed to Yo+. These dartgea Wil be ettectlve th fl f d payment, and you will rot receive your deck beck from Your Crharhdal istinution. s of u A ere added to the angrr of your Aceatrtt. t c Mihinen Finance f]a F h billi ' m e int ay o your bifling perled covered by your pedode statement erring BILLING RIGHTS SUMMARY . rya. or eac ng period that your accaurtt is area to a finance large, a minimum t R in the months January, April, July and OcUsI.F. c. If the code D (Prime), F 0-mo. LIBOR) or G (3-mo. (In Car Of Enos Or Oueadms About Your Bill) If you think your bill is wrong or If you reed more to NANCE (:FiARGE of $0.60 will be knpaead. If the teal flrnance charge msultaq fmm 1M eppliutlon of ear d- o LIBOR Repriced MantNy) appears on the from of your statement rem to the periodic rate(s), the perioek False , Information on a transaction or bill, write to us on a agar te sheet ea soon as oaaltle al the addr f periodic rete(sl is ter tlen 30.50, we g eau tlat amoutt from the 80 50 minimum and the difference will b and correspo dng ANNUAL PERCENTAGE RATES may a p ess or 'rpuides ahovun m Us fiom of this statement. We must . e lilted the r purdase -7- of your acmrs. td. Temporary Raduotion in F-a Chan We reserve th e vary monWY and may increase or decreer based on the stated indices, as food in The Well Street J-1, pus h hear from you no later than 80 days after we sett lieu the flit bill on which the error or problem appeared. YOU can g . e dgint to sent emem a ty o ell fl a ce charges br anV furs blkng eriod t e me n revio sl dsdsW to * changes will be e?ifecptlve on tl e filst daofd Them V your billing period call our Customer Relations number' but doing w vlll rot preserve your rigs. In yea letter, give us the following p Day 2. Avaaga Finance ch Beim 1 Naw Purdaaos). a . s mddpyirq the dail ll meth. 4. Auanmat of Lab, Ovre*ak and Rabaned Paymart Foss. Y unfomaoon: Your tame and account number, the dollar amain of the amp-ad error, a description of rhea error oust of o y balance Of eh ssgnnt of your arrant (e rash our accam will be assessed no mom than two of the tees listed here that occur during any billing period. Under the e and an eNl tint, if poaeible, of wwahwy yw bdieva there is rror; or It need more informati d d l al advance, pucfha ri spatial transfer, riodic and spadcia has beeae) by the 3I At do d end(s) the he d disclosed g to daily bi ou il terms of your cuaromer agreement, we reserve the right to walve or not to assess any fees Wrilo l der -dfIcztion to on, a eac t on of the hem you are rsure abase. You da nrol have to pay any amorrt In queGion while we am investigating It, but you Y o o each day c during y . the billing the daily o the boll dad, we apply periodic rate fo silt you without waling our dght to amens the same or similar fees at a later time r sdII obligated to pay the pang of your bill that are rot segment of your ethers to the daily bete cede . 6.'iRrra Your AO0DUaL If a membership fee in question. lMYle we Inveati le report you as den ge your action to we carnet equate or take an action to c p h mgnen[. Then at the end of the bdrnp perio, we add hp period, tie realu of tier daily caWlatima to arrive at your periodic finance dirge for each segnem We add u the '. or appears on the front of this statement, you have 30 days from the date this statement was mailed to you to id i h f y o ed t e amant you question, . p realms from each wgnas to arrive at the total periodic avo Pay ng t e ee or to have such fee credited to you if you cancel your accent. During this nil period, you may t, t Special Rue For Credit Can Pudases finance charge for your amount. To got the daily balance each sagnen of your accost, wo take the beginning continue to use your y to pay the membership fall. caaccount ncel your rri P ur a a m you must If you have a problem with the quality of property or and - for each fin e segment e and tray l edd erny re new and an ¢edole fina l h , R notify us by calling our Customer Relations Depenmmt ' cervices that you Purchased with a credit card and you have tried In ood fafill to e t th i h bl tie previous previo y pp aghe ra a on c arge wed day s balance, for that segment. We than subtract any y and pay your New Balance' In full (excluding the membershi fee) rior t h d f g nac e pro em w t the ve the d ha You iNrq the ema r payments or enedta posted m of that day that em allocated the tiny-day period. p p o t e en o S. If You Close You Amount. You can r queG to dose amount de on the p e serNcea. Von h cape ave ihis m that ahgnont. This dues m the ahperata dally bd Z:- Q== your aoouht. However, if -rid ti urrt yy aaount by calling our Customer Relations trparimmt. YOU most daetro y your credit carols) and Protection Olh wTnenn rte purdase plsex was more then 850.00 end the purdiass was made in your home stat¢ or within 100 mil f ili dd rom ear on etatanatt in r If our new, bala account access decks, candid all preeuthodzed bi lling, es o our ma ng a rem. (If we own or a enate the me h t if ill y nce wen zee a a credit amount), new transactions whic and team using your accent. If you do rot cancel li rc an , or we m ed you the advertisement fo th M h post to your purchase or special porch- segmenta am het added to the deny belmses. We calculate the average daily balance b addin ll th d il preautladzed bllirhg arrangements, we will consider receipt of a dredge your authorization to reopen your r e pr rte ss Or 9, eti all purdaces Please Former r?? of amount or resume of Wrdase.) to si all °ndenhs gift a y g e e y a balances together and dividing the sun by the ember of account. Additionally, Your accost will not be dord until ou a all amounts i d cti . p the days in the current biting cycle. To calcu ate your total y p y n u ng: any You owe us transactions you laud auhorized, finance charges You pea t Does no1 apply to consumer roe-crddil card accounts finance dirge, nuldply your average daily balance by the , due fees, overiimit fees, returce' e ' daily periodic rate and by the nrMer of days in the billing D adverse tees and any oiler ice. to your = 1 Dods rot apply to business roe-aradit card ecrounrs Period ue to rearing on a dairy basis, there may be a exam. You am responsible for these amounts whether silgn variance between this calculation and the amount of finance distil. actually assessed. b. If the code h.7. or N appeals on the from of this sratunem they appear on your account at the time you request to close the accent or they am Incurred subsequent to Capital One sppons information privacy pioloo ion: we our vvebw a et www.capitalone.can. t l O C i ' next ro ABalanuo Rate Applied To,- -_we 1-tipy the .. , your request to dose the accent. This may resat In charges appearing on your account after you have = a e - n s a idtlarally sea9g sterdtl emetics mark of Capital Fnanoal Corporation. NI rights reserved, a 2003 8 0 N? IrOortamt Nogoa: Payrnane you mail to us Will be credited to your aoxtun ea of tie DuNndae day vre receive it, provided (1) you sad tie bosom potion of Ws Ga ys teman and your deck in the ascbxd remltu-. envelope and (2) your payment Is received In our rocesalnq rxrrter Dy 3 p.m. ET (12 non PT). Pleaao alk>w at IoaG Ave 15) Dualroaa da for Postal dagvary. =M s received by m at any other location or in any other form may not be credited as of the rice we receive Nan. Our bureinra days are Mediae hroug h Saturtla for hdhdays. do not use Gages =r, tcvfien reparing your payment. Wlsn you send us a deck(s), you authorize r to make a as-tuna eledraruc tranrrter dealt irgn your bank accurm for the amoun o, TN. audcdzation apples to all checks received during the billing cyde even if sent by someone elm. If we carrot process the transfer, you authorize us to make a large against your bank account using the dock, a paper draft or other item. ?One' mortgage & home equity M Let Capital One show you the way home. Buying your first home can be an exciting but complicated process. That's why we make it easier and more affordable than ever before. Just call 1-866-896-9596 and speak with one of our loan officers. Or, visit www.capitalonemortgage.com for helpful information and great tips. You can even apply online! With Capital One's low rates and no-hassle service, home is closer than you think. 02 APR PETRO STOPPING CENT MILTON PA 27 APR PAYMENT PROTECTION 1-888-527-6904 Your Reservation Number: 6712 056 525 8764 LENDER Eanut xarswe u? Account S Previous Balance $2,170.75 Payments, Credits and Adjustments $100.00 Transactions =34.57 Finance Charges $27.48 PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 MAR 28 - APR 27, 2005 Page 1 of 1 Payments, Credits and Adjustments 1 20 APR PAYMENT RECEIVED -THANK YOU $100.00- Transactions 2 New Balance $2,132.80 3 Minimum Amount Due $63.00 Payment Due Date May 27, 2005 Total Credit Line $2,200 Total Available Credit $67.20 Credit Line for Cash $2,200 Available Credit for Cash $67.20 At your service To can Customer Relations or to report a lost or stolen cord: 1-800-903-3637 Send Payments to: Send inquiries to: Attn: Remittance Processing Capital One Bank Capital One Services P.O. B. 790216 P.O. B. 85015 St. Louis, MO 63179-0116 Richmond, VA 23285-5015 $16.00 18.57 Finance Charges Pleareree reverresidefor important information Bd sm'r Pmiodu -1 FII?29 ` ` C-7 apprudro >? C FIAj2C 1 E PURCHASES $1,623.24 .04082% 14.90% $20.54 CASH $548.49 .04082% 14.W% $6.94 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2132800100000063003 New Balance $2,132.80 Minimum Amount Due $63.00 Payment Due Date May 27, 2005 Total enclosed $ Account Numbs: 5178-0522-0067-0905 Capital One Bank P.O. Box 790216 Illnnullrlnllnrll St. Louis, MO 63179-0216 IdlrrrtlltretllLrdLLdlrrtrdrLnllellrrrrdLlLdrdd Pf-pi,rt-sting "- acrd-r-mailchagrrbel--;rVrro R-k ink 596743 Enjoy great value without the hassles. Call about a Capital One mortgage today! 1-866-896-9596 Mon4ri 8 a.m.-9 p.m. ET Sat 8 a.m.-5 p.m. ET or apply online at www.capitalonemortgage.com 121 Stmt Apt i Gry Score ZIP Home Phone Alxmaro Phone #9011856678636518# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 ° ? L..lllrnllnlnrlrlllurlulnlulmllulrlnlrlltlnrllnl F Plewe writeyow ac 1 number on yow check or money ordn made payable to Capital One Bank and mail in the essdwed envelope. This is not a commitment to lend. The loan offered here is a product of Capital One, F.S.B. © 2005 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. 1. Flow To Avoid A Fit-- Charge. ta. Greece Paid. You will have a minimum gmee pedod of 25 days without firome ",go on a:w ptsdasea, new balance transfers, new special purchases and new odor Herpes if you pay your total 'New Bounce', in axotlace with the Important Notice for paymema below, and in time for it to be credited by your neto statement dosing date. There la on Pace period on cash edvancp and spacial tmrefem. h addidert them is no grsm period erry traraactloo if you do not pay the total -New balance.- b. Aoelulrrg Fihshee Charge. Transactions whist are not subject to a gram period ere aaaewed finance, charge 1) from da date of the transaction or 2) from the date the trine -tion I. Promised to your Amount or 3) from the first cWonder day of the current billirr?l ppaeced. AdrlitiaaNy, if you tW rot pay tlhe 'New Balance fnornh the previous baling period in full, finance charges continue to accrue to your unpaid Balance until the upi id balance is paid in full. This metre that you may still own finsnce charges, even if you Pay the wire New Balance indcated on the fret of your statement by the man sutament closing date, but eel not do so for the previous math. Unpaid finance charges added m the appN bit aegtart of your Acxuat. t c. Ngrirasn Fhaae Ch . For each blllbg period that your account is abject to a finance charge, a minimum total RNANCE CHARGE of $0.50 will be Imposed. If the total fironce doge realtlnp Tran the appqutlon of your periodic rate(s) I. leas tlan 50.50, we w I -'tract that amount from the $0.50 minimum and to tiffs. wig be billed to the purchase segment of your- aceort. t d. Temporary Reduction in Fnahw Charge. We m-rve the dot to rot --ens any or all finamm charges for my gven 1. Avergp Deily Baboons (i nil udera Nov Rrdaasl. a. Finanm charge is calculated by multiplying the dairy balance of each aegnert of your accent (e.g., cash advance, purchase, special transfer, and -pedal purchase by the conespondrg daily periodic rent(s) That has been Previously dadoaed to you. At the end of each day during ,he periods rafete fo each the dd?Y 6elerhm oach seginem. Than at the end of the billau Period, we add up the results of twee daily calculations to arrive at your periodic finance charge for each sepnoht. We add Ip the re-Nts from each sagnem to er1 at the tad pdofc flnsnce charge mr your aroourht. To got the daily bamrce for each -ginem of your eccouan, we == begimhg balaca for eech -gout r1 add any owm_ and any ppaeriohc firaroo charge calculated on the previous day's be rice for that segmnt. We than attract any paw or credits =a s of tint day dot ere allocated fen tied Thimthe -pears daily balance Now Bel yhowm pout ocmtaht. Ibwaver, if you Pd fha If your new balance wase upon a crredit -mom), hraw ( trmsectiors which poor to your purdase a spacial pumJase segnahm ere rot added to dha elegy bdencea. We cslclete the average dally balance by addnp all the deny balances togetler end 61dnp the tan by tho Hofer l the do" In to curroa biNkg cYCe. TI Sly your tad define ce, chat charge, m Ripply bYour average daNV bdmee by the V pe yd: am ber of daysin the *;V peritd. Ora to rouhdirg m e daily basin, tare may be e aNght vadence between dse mlcJOdonail the amour of flnertce dirge actually as-ssd. b. If the cede Z or N appeaa on the from of this attemem wen to 'Balance Ram Applied To: we MuMply the 8 I O O CCC^DDD N inn beginning balance of each segrnem each day, add any new, Inmeactiors to each aeg??em, and subract any payments or credts. (If the code N appears on the from of this statement next 10 "Balance Rate Applied To,' we else, subtract any unpaid finance charge included in the balance of each segment.) This gives us the daily balance of each segment. Then we add up all the daily balances for each segment for the billing pedod and dvide by the total number of days in the billing period. This gives m the ver. IIC daily balance of each segment. 3. Nasal Paoenrlage Rates (APRI• a. The term 'Annual Percentage Rate' may appear as 'APR' an the from of tfi i statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankmrd Prime) appears on the from of thin statement wen to the periods rattle), the periedc False and xnmapondng ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based an the stated m3cea, as found in The Wall Straet Journal, plus The margin previ.y dad. to you. The- dhoNlea will ba of/active on the Than day of your bN N months January, by your pedode comment arcing In the APrll, July and October. c. If the code D (Prime), F (1-me. LIBOR) or a (3-mo. LIBOR Repriced Monthly) egaers on the from of your statement rem to the periudc rate(s), the pedoek raise end xneanordirc ANNUAL PERCENTAGE RATES may very min ev andmay ,--w a decrease based en the .rated ncises, as found in The Well Street Journe% pits ,he margin previously disclosed to you. These dirges will be effective an the first day of your billing period each month. 4. Arias-oat of Lets, OvaiNt ast Rabmd payment I_. Your accent will be assessed on mom than two of the tees listed here that actor during any billing period. Under the toms of your customer agreement, we reserve the right to waive or not to assess any fees without p Ier nctiflcation to you with 9laout waMng our right to assess the -me or similar fees 1ter time. 5.tlterawhg Your Aewuk. If a nhanbeMiP fee appears on the from of this statement, you have 30 days from the tine this statement was mailed to you to avoid paying the fee or to have such fee credted to you if you cancel Your amount. During this period, ypaouyma continue to use your account without having to ilte membership Zing cancel your accent, you must nctify us by telling our Customer Relations Department and pay your -New Balance' in full (exdudrg the membership fee) prior to the end of the thirty-day period. 6. If You Cl.. Your Account. You can rso" to dose yy account by calling our Customer Relatims uepanmem. You must destroy your credit cardls) and account access checks, cancelall preeuth rizd billing, end sea- usirhe your account. If you do rot casidncel preeuthodzd lolling anangemin we will caer receipt of a large your authorizetion to reopen your accent. Additionally, your account will rat be dwell until you pay all emoonfa you owe us Ixludng: any tranwdime you have authorized, flnsnce charges, Pa. due fees, overiimit fees, returned payment fees, cash advance face and any otter f-s awewe I to your accent. ace :,it ra.=bie for the- -manta whether they appear on your account at the tame you request to lox the account or they are Incurred sub-tFlmt to your request to dose the account. This may result In c B ppeadng m your accent after wan have Your amount if it has already been closed. For example, if You authorized a purchase from a merchant: and wo mosive the trersectim from tie mordant after your amount hoe been dosed, your amours will be reopmed, the amount of the charge will be added to your exact, and you will be reapahsible for paymem. If there is a membership fee fen Vour aocoutt, the fee will continue, to be longed, to tho anent ramtitted by law, until the axons b anc , has been pa d in full as deilnsd above. 7. Using Your Aeaechse.Your card or account caveat be used in connection with any Internet gambling trersealos. R. Nofloe Abort E7eebando Cheek Cawersion. When you Pmvids a dock as payment, you auhedze us eider to use infomatfan from Yon lack to make a orm-time electronic furd tre nsfer from your bank accent or to pmxae the tPa as a dad[ trraectlon. When we use, Your deck to make an dec odic bad tarfer, Tuttle may be withdrawn from your bent account es soon as the same day wo receive your payment, and you will rot restive your deck back from your Firarsial institution. BILLING RIGHTS SUMMARY (In Ca- 01 Entire Or Question Abort Your Bill) If you think your bill is wrap, or If you reed more Information on a m rsectien or bill, write to w on t aeperate sheet as noon as possible at the address far rhquinies shown an the from of this stnemem. We rnu- heer from you ns later than 60 days after we sum you the That hiH on which the error OF problem appeared. you cart call er Customer Relations umber, burl doing w will not preserve Your Flights. In your letter, give us the idlowing information: your name and account nurnber, the dollar e ocan of the -apectd error, a deseription of the error and an eopl tint, if possibe, of wityy year believe there is error; or if you need more informs Y, a d"c"T"I of the hem you ere unsure about. You do rot have to pen any amount In question vNtle we are l=.r it, but you are still obligated to pay the pans bthat are net in question. Whilo we Investigate, your question, we caraot ration you as delirquatt or take any action to collect the amount you question. f,t Special Rite For Credt Card Purchases If you have a Problem with the quality of property or -Mcea that you purdhesad with acre, mil and you have tiled In good Leith to correct the problem with the mordant, you may lave the dgtn nst to pay the remaining amount due on the p ny or services. You have the protection only wfhm iM Pumha- pdoe was more than 350.00 and the WrUmse wee made in your home ache or within 100 miles of year m.Ntg address. (If we own or operate the merchant, of if we mailed you the advertisement for the property or services, all purtle-t are covered regards- of amount or location of purchase.) Ream remember to sign all correspondence. t foes not apply to mnsamer noncredit say accounts i foes rot appy to business tan-cmdit card a --M One spporta information privacy protection: we out at www.cap mTora.com. Ohre I. a ledaraly re- iaemal -Mm mark of Capital ncial Corporation. All rights reserved. a 2003 One 01LOLBAK Irrportrt Nstlw: Paymeme you mall to us Al wbe eedted to your amonn as of theaing can butnew ihrho ert day3 pwe recelve h, provided (1) you sad The bonan potion of Wa .ratemem and ydeNourV dk baed reminaxa envelope ail (2r psem la receivedI ow xeaer .m. ET (12 noon PT). Please all.. at lean live 15) buakaaa days for postal ery.oc Paymmta received by us at any otter butl)onyouor Inym any other font mayn not ba credtd as of the bydayy we recaiw them. Our buakase days ere Monday through SeturdaY, excluilng hdideys. Pleaw do not use staples, paper, dire etc. when preladrg Your pa an. When you send us a ciheckis)' you autlwrize us to make a me-time electronic tranaler debit iron your bank aaxtoun make tta ourn of the check This eutierization eppltes to ell clacks received during tla biling cycle awn if amt by commune else. If we cannot process the transfer, you authorize cha rga against your bank accent using the deck, a paper draft or other hem. YOU COULD SAVE UP TO $400 596738 OR MORE ON AUTO INSURANCE WITH ONE ClUICK PHONE CALL See reverse for details-? e Account S Previous Balance 22,132.80 Payments, Credits and Adjustments =100.00 Transactions $18.09 Finance Charges 125.91 New Balance $2,076.80 Minimum Amount Due $62.00 Payment Due Date June 27, 2005 Total Credit Line $2,200 Total Available Credit $123.20 Credit Line for Cash $2,200 Available Credit for Cash $123.20 At your service To call Cwtomer Relations or to Deport a bat or stolen card: 1-800-903-3637 Send Pa7mmu to: Send inguiua to: Attn: Remittance Procewing Capital One flank Capital One S-1- RO. Box 790216 P.O. B. 85015 St Louis, MO 63179-0216 Richmond, VA 21285-5015 PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 APR 28 - MAY 27, 2005 Page 1 of 2 Payments, Credits and Adjustments 1 19 MAY PAYMENT RECEIVED - THANKYOU $100.00- Transactions 2 27 MAY PAYMENT PROTECTION 1-888-527-6904 $18,09 You have earned a cumulative rebate of 5.08 as of your APRIL statement closing date. Remember to use your Capital One account to take advantage of the great purchase rebate program! Finance Charges Please see reverse ride for important information Rd-,w, Periodie Corresponding fE .yip dln f APR A1C PURCHASES $1,567.02 .0408296 14.90% $19.19 CASH $548.40 .04082% 14.90% $6.72 ANNUAL PERCENTAGE RATE applied this period 14.90% V PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2076800100000062002 New Balance 52.076.80 Minimum Amount Due $62,00 Payment Due Date June 27, 2005 Total enclosed $ Account Number. 5179-0522-0067-0905 Capital One Bank P.O. Box 790216 11114 1111 11t11 ?tl St. Louis, MO 63179-0216 Ploreprmf-uhngcddrerrand rn nIoe vgrrbrlmwingbl o hiawi ink 641Apt 4 Gty Srax ZIP home phone Alter- Phoae #9014856678636515# MAIL ID NUMBER HAROLD M STEENBURG s 729 SOUTHERN DR S CATAWISSA PA 17820-8412 r Pleare unite your account number on your check w money order mode payable to Capital One Bank and mail in the ene1wed envelope. A few minutes of your time could be worth up to $400" or more. Call (800) 993-5062 today to see how much you could save! (Please mention Priority Code 9108352990) Or visit www.capitalone.com/cart 'Savings amounts are based ou insurance premium infomutlm provided by purchasers of Insurance INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF. OR through a similar pngraM from 2312004 b 1llllr 04. Placed by the licensed agent. of InsLOgic GUARANTEED By CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC, ANY FEDERAL CNPOratlcn OnsLOW), an Will of Capital One Bank, Captal One, FS.B. and Captal Cne GOVERNMENT AGENCY OR CAPITAL ONE. Your decision to purchase IMuranoe and your deice Fnanciel Corporation (collectively. *Capital On'). DI an insurer on agora will have no .Nett on your eigibiNly, for shy Cepilal One product or, service. Capital One auto insurance la brought c You by Caporal One Insurance Agency CCOINI. an eMliate d Capital One. COIA is a licensed insurance agency and provides all irfomtatim regarding available maum-F, products. Imu-me products are Provided by nrn-effiliated participating insurance cortpeniea. Applicans are indiv oluaiy urMerwritten and not all applicants will quality for insurance. Not al Insurance policies and product features are available In all states; this Is net an offer on Wicitaaon in any jurisdiction in which ate policies or product Features are not approved for sale. Captal One does not Provide, endorse, or guarantee any third-perry product w eervim shown here 8 0 O ' o? Cpt N ?N 02005 Captal One Services, Inc. Capital One m a loderally registered service mark. All right. reserved. CaprtalQyee I auto insurance ppae "odic rate. To obtain the average daily balance for the bikingpe cod covered by this statement, v e take the begmirq balance of each segment each day, add any new frarsactias to each award, and subtract any payments or credits. (It It* code N appea'Z:* hen of this natamerm next to 'Balance Rate ed To; or also subtract any unpaid Inane, charge Included in the balance of each segne 1 This gives us the daily balance of each segmem. TTsrh?twe add up all t; he balances for each segnem for the dgMg ppeerrlI and divide by the imal ed raanber of days In the NNdl period. This glues us the average dally balance of each aegnant. 3- Amid Paaatagla Ratse (APRI. a. The temp -Annual Percentage Rata- may appear as 'APR' on the front of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankeard Prime) appears m the trend of tlaa statement next to the pedodic rate(.), the ?a dock rates and corresponding ANNUAL PERCENTAGRATES may very otaneriy and may increase or decrease based an the acted Indices, as found In The Wall Sheet JoumW, pure the margn yreNarly diatloaed to you. These daree_wik be effective on the flea day of your Fg, NIIt =ooddtha Janus by w Peddodic autemeni erring c. If the code D (Prime),/ FA0-mo.t LIBOR) orTG (3-mo. LIBOR Repriced Monthly) appear m the fret of your statement next to the pedoNc fatale), the ates and cerreaporhding ANNUAL PERCENTAGE Vol RATES may vary montNy and may increase or decrease based on, the stated irndicea, ea tared in The We!/ Street Journal, pis the margin previously disclosed to you. These changes will be effective on the flat day of your pilling period each month. 4. Asseaanat of Late, Waring and Relearned Prynsrt Fwd. Your accenn will be assessed no more than two of the fees listed here that occur during any tilling period. Under the terra of your customer agreement, m reserve, the right to I ve or not to assess any tees without dot milfication to wi you dcutwaiving our right to assess the same or similar 1 t e later rime. 5. paawion You Aoeast. If t membership fee a appears on the front of this natemem, you have 30 days from the date this natement wee mailed to You to avoid paying the fee or to have alM tea created to Vou if you cancel your accent. During this peried, you may continue to use your amount without hating to pay the membership tea. To caned your account, you must notify us by calling our Cunaner Rainiana Depettmem =phay your 'New Balance' in NI (axduang the ship tea) pdor to the end of the tNny-day period. S. N You Chas Your Asaaunt. You can regtcat to dose your account by calling our Customer Relation Department. You moat dean your credit cardla) and account access checks, cancel all preeuthorized bllling, and cease using your account. It you do rat cancel rpeco'pt of a earing arrerhgonnenta, vie wfll consider Qe yWr aNherixation 10 r0open you acceunt. Addkionally, your accent will nth be tlwed until Vou Pay all amounts you owe us including: any narmdiors you have authorized, finance charges, pas[ due fees, ovenlimit idea, returned payment fees, cash advance fees and any other feu aseessed to your accent. You are responsible for these amounts whether they appear on Your account at the time you request to close the account or they are incurred aurbsequart to year request to dose the account. This may resat In charges appearing m your accent after you have your arrant if it has dready been dosed. For exempe, f you autnrized a remove to t on from tthe han merchant aft and we been closed, ioy after your acmes has been your r amwd All be reopened, rho amaax of the charge will be added to your accent, ==, ll be respo t1 for paymam. If there is a lea for Your aomuan, the fee will cornirdre to be charged, to the m¢aa peman. by ley, urhtiI the arrant balance, has bean pall in full ea drflned above. 7. Using Your Aeaaad.Y.ur card a account cannot be used In connection with any Internet gambling trasactbn. 8. Ned- Abort EMatratb Chaok Cawa(ilah. When you proNde a check sa payment, you authorize us tither to use Infemation from your cheek to make a one-arm electrehic frond transfer from your bank accent or to promos the payment as a deck transaction. When vve use information from your check to make an electronic krtd transfer, tunas may be withdrawn fret your bank arrant as ohm m the same day - receive your payment, and you will not receive your check back from your fir-dal ksdunon. BILLING RIGHTS SUMMARY (In Case Of Errors Or Question About Your Bill) If you think Your bill is wrong, or If you need more nfohmatm m a transaction or bill, write to co m a separate wheel as soot as posslNe at IF. address for impu es shown on the from of tlae statement. We rust hear front you no later than 80 days after vve sern you the fim big on wtich the error or problem epprered. Vou ean roll our Customer Rdstiors rxanber, ion doing se will rat P serve your rights. In your letter, give us the following Momatim: your name and accent number, the dollar amerce of the atrapected error, a deacripion of tha .nor and am nplantim, it pmside, of why Vou believe there is an error; or If you reed more Informatfan, a descdpim of the hem yeti are usure ebart. Yar dh nor hove to pay any arrant In Queatl w4tka who are Invheatlgeanp It, but y- am stik obll$= to pay the pen. ht your NI that are rat In question. While vve Inveatil le your question, ore cannot repo. you as dekrhgPenn or take any action, to caked the .mast you quealim. i,t Special We For Credit Card Purchases If =w a prhhlem with the quelhy of property or set you purdseed vMth a credit card and you have tried M good faith to correct the problem Wth the merchant, you may have the right rot to pay the remaining amount due m the praprny or services. You have this protection oNy vlen the purchase, rice was more than 850.00 and the Purchase was made in your home state or witlan 100 milm of your madkng address. If we own or operate the merMam, or if we mailed ym the adneertiaemorn for the Property or seMOse, all purchases ere covered regerdese of amtwm or location of purchase.) Reese remember to sign all mrrespordace. t Does not apply to co-nNv non- ma card accounts t DOes not apply to business ron-credo card accamts One asMens infomnation privacy protection: Free our at www.captalone.com. One is a federally registered service mark of CAPhaf To- thee,, Pwod. You All have a rrtinimun grace period of 25 days wither finance charge m nahnr purchases, new balance trereters, nhevr .pedal punthsese and crew = t "Ingers if You Pay Vow total 'New Balance', in accordance with the Impottsm Notice for payments blow, ea in Lime for it to be credited by your seta Istamed tlosing date. There is he grace peded on cash a lvarnms a d sped. trarsfere. In atldidon, them is no grace pedod m any traneactm if you do rot pay the total "New balance.' rat b. =%F:7* . Tramectlas v4iM ere 1 en period are assessed flnarhco ring. ) from the date of the transaction m 2) from the data the trenaecdm is Proceseed to year Account or 3) from the fire[ CaleMer day of the arrant billing paned. Additionally, if you did rot pay the "Navy Balance from the previous biting period In full, ihace charges oonasm to amlue to your unpaid babnhm tantil tie upeid balance la paid in fW. This means Mat you mayy sip owe Thence chergm, even if Yoh pay Me entire New Balerhm irhdicated m the ftorx of your statement by the next aetamerd riming dwm, but did not do so for the prevfos mmM. Unpaid flranee chergse are added to the cable mgment of your Arrant. tc. Mbinsn Flnanee a. =b iding period that your a- Ire abject to dirge, a Fit RNANCE CHARGE of 00.50 AN be Imposed. N the tad finance charge resul king from the pppcadon of[tat your Periodic rate(s) is lase than 00.50, yve w ill subtract arrant from the 00.50 mkamrm and the difference will be "' to Me pundase one of your arrWe ant re. t d. Tenpar, Rddbn (n Fnrtaa pnrga serve the right to net amass any or all finance charges for any given hiking pacod 2. Avasge Daly Baynes (Ina?Mig New P rabaaasl. a. Rnance charge I. calcu ated by multipying the daily balance of each sagheard of your .cowed (e.g., ea.h treansfer, by the eaPorda9 deky period. mm (a) the special purchase) e been pmtZ disdosed to yea. At the and of each de during the bllkrg period, we apply to daky perlodc ate for aw aeQnem of your eceant to Lie dl bd=of each aeglhertt. Tian n the end of the Nirg add up he realer of these dilly calculations m arrive, at your periodic finance tangs for each senem. We add up the realta from each sagmerc to arrive n the total periodic fiance charge for your amen[. To get the daBY balance bbaMneaeta di sea fegnont a rid eny row ter = and any ppe?nodc finance charge ralaiated on the previous days belarnce fir that segnatt. W==-y peymenta or ta posted tie of allocated to titan sagnam. TNa gum hen [fns aelhareta dally balance for each eegttant of your ahpent. Howevor, If you paid the New Balarhce afhovm on your previous statement h I (a If your new balsa sum zem or a credit amount), haw. trareactiaa which pmt to your pure r se w special Purchase sapnernta are not added to 4'a= bWe calculate the average dally balance ak the defy balances togeMor and Mang the sun by the number of the days in the coned biking cycle. To calculate your total finance charge, multiply Your average delY balance by the deity po'odic rate and by the ember of tlays in the Nlkrg period. Due to rerhding m a daily basis, there may be e eight variance between ilia cektletlm aM the amours of I- ca actueky aseeseed. b. If the code Z or N appears on t e front of this statement nee te'BAsme Rate Applied To; we multiply to Inpatarrt Notlw: Paymertta you mail to us will be created to your aocant ae of the budrhese day we receive h, provided (1) yw sand tha bomam portion of Wa natamatt and your Mack In the endosed remittance envdepe and 12) your ?yment la rooalved th our proceasbg rnrtor DY 3 p.m. ET (12 rem PT). Please allow at lean live (5) bualrese a for postal dekve Payments received bV us n any other location or n any otlsr form may not bias created tie of the de we native them. Our busirese days are Mmday through Saturday exducIng holidays. Please do not see arepea, paper drpa nc. hMen preparing Your pa am. When send us a Mock(s), you authorize us to make a ano-tima doclronic tranfeI debit hart Your bank accaurht for the .mart of the check TNa autlwriznim apples to a1 checks received During the biking eyrie even if rem by someone tae. If we carrot p- the trenf. us r, you authorize to make a charge egeinn your bank auxourd using the Mock a {.per drab or otsr hem. 201453 HAROLD M STEENBURG, you may be minutes away from saving up to $400*or more per year on your auto insurance. CapitalQyWm auto insurance Page 2 of 2 One-Stop Shopping for HAROLD M STEENBURG, Maximum Savings: With a FREE, no-obligation auto insurance quote through Capital One," a few minutes of your time could be worth up to $400 or more a year. One easy step compares rates from five top companies" In one simple step, our new insurance agency service provides Free, no-obligation quote up to five competitive, reliable quotes from leading auto insurers. And the quotes are tailored to your specific needs, Save up to $400 or more per year! so you can quickly compare them to your existing policy- and see how much you can save. In other words, this is a smart way to shop that puts you in the driver's seat ... and in control of how much you pay! N Call today It's easy to get your quote by visiting our Web site at (800) 993-5061 www.capitalone.com/quote. Or for personal service by phone, call (800) 993-5061 to speak with or visit our expert insurance agents, www.caplltalone.corWquote Please indicate Priority Code Find out how much you could save. Act now for your free, 9208352990. no-obligation quote! Visit www.capitalone.com/quote Personal Service Agents or call (800) 993-5061 today. available to take your call Mon - Fri 9 a.m. - 11 p.m. ET Sat 11 a.m. - 8 p.m. ET 201453 You could save HUNDREDS OF DOLLARS by calling TODAY. Call today For even faster service, please have the following available: (800) 993-5061 or visit • Current auto policy for comparison www.capitalone.com/quote . Vehicle Identification Number (VIN) • Driver's license number • Priority Code 9208352990 Capilalpne* auto insurance As a handy reminder, detatch this coupon and keep it in a secure location for future reference. Savings amounts are based on insurance premium information provided by purchasers of Insurance through a similar program, from 21312004 to 11/11/2004, placed by the licensed agents of InsLogic Corporation ("InsLogic'), an affiliate of Capital One Bank, Capital One, F.S.B. and Capital One Financial Corporation (collectively, "Capital One"). " You will receive quotes from top insurers awarded high ratings by A.M. Best Company, the insurance industry's leading independent analyst. Capita/ One auto Insurance is brought to you by Capital One Insurance Agency ("COW), an affiliate of Capital One. COIA Is a licensed insurance agency and provides all information regarding available insurance products. insurance products are provided by non-affiliated participating insurance companies. Applicants are individually underwritten and not all applicants will quality for insurance. Not all insurance policies and product features are available in all states; this Is not an offer or solicitation in any jurisdiction in which the policies or product features are not approved for sale. r_ Capital One does not provide, endorse, or guarantee any third-party product or service shown here. INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF, OR GUARANTEED BY CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC, ANY r_ FEDERAL GOVERNMENT AGENCY OR CAPITAL ONE. Your decision to purchase insurance and your choice of an insurer or agent will have no effect on your eligibility for any Capital One product or service. Ratings reflect A.M. Best's current opinion of each insurance company's financial condition and are subject to change. Ratings are not an expressed or Implied warranty of any Insurance company's ability to meet its obligations. ® 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved oy ?ro o? N ? I/ 10 P Account S First 3 months half-price 97* a month; E9.s6/mo. Hereafter , j=FREEAccelerator' I??1'''' ?r?Mstasa.?ssoww SIGN UP TODAY! ' 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal 003 peoplepa- online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerT- `(? Spam controls ® Smart Dialer ® EW More Email Addresses ® * Internet Call Waiting Previous Balance $2,076.80 Payments, Credits and Adjustments $75.00 Transactions $166.54 Finance Charges $27.02 New Balance $2,195.36 Minimum Amount Due $65,00 Payment Due Date July 27, 2005 Total Credit Line $2,200 Total Available Credit $4.64 Credit Line for Cash $2,200 Available Credit for Cash $4.64 At your service To can Customer Rtktions or to report a Ion or stolen cud: 1-800-903-3637 Send payments to: Send inquiries to: Attn: Re-ttan« Pro«asing Capital One Bank Capital One Servi«a P.O. Box 790216 P.O. Box 85015 St Louis, MO 61179-0216 Richmond, VA 23285-5015 PLATINUM MASTERCARD ACCOUNT MAY 28 - JUN 27, 2005 5178-0522-0067-0905 Page 1 of 1 Payments, Credits and Adjustments 1 21 JUN PAYMENT RECEIVED - THANK YOU $75.00- Transactions 2 03 JUN 0216 S14EETZ 00002003 ELYSBURG PA $10.41 3 03 JUN 0216 SHEETZ 00002003 ELYSBURG PA 36.00 4 07 JUN TA # 22 WILLINGTON WILLINGTON CT 17,00 5 14 JUN 0213 SHEETZ 00002003 BLOOMSBURG PA 25,00 6 27 JUN CAPITAL ONE MEMBER FEE 59.00 7 27 JUN PAYMENT PROTECTION 1-888-527-6904 19.13 You have earned a cumulative rebate of $.17 as of your MAY statement dosing date. Remember to use your Capital One account to take advantage of the great purchase rebate program! Finance Charges rn Pleam tee reverietidefm impntant information Baf roe Periodse Cosrerpoi 61T R29 .yplirdto rate R r` PURCHASES $1,585.98 .04082% 14.90% $20.07 CASH $549.02 .0408296 14.90% $6.95 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT GR 0000000 0 5178052200670905 27 2195360075000065001 New Balance $2,195.36 Minimum Amount Due $65.00 Payment Due Date July 27, 2005 Total enclosed E Account Number. 5178-0522-0067-0905 Capital One Bank P.O. Box 790216 11111111 1 1 111111111 11 1 St. Louis, MO 63179-0216 11 111111 11 ns1 111111 II 1 I n 1611111,1111 16161111 1111111 111 111 14.90% P/ rpri.,tawilirsgaddrna? c-„so;lryrsngrr br! uringb/ arblar4 iak Swett Apc Y City Sm. ZIP Home Phone Alternate Phone #9017956678636510# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR ut CATAWISSA PA 17820-8412 r Plewe unite your amount number on your dxek or money order mode payable to Capifal One Ban k and mail in the endwed envelope. H eo E lBepc,- online 729 SOUTM S7 better way to Internet. CATAWISSA PA 17820-8412 UNILIM 1 TE D INTERNET ACCESS SIGN UP TODAY: 1-877-778-1207 Mention Offer Code: OPAL Or visit www.PeoPlepc.oom/go/opal PeoplePC is solely responsible for this otter, and is not alNiated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. *PeoplePC Accelerated: First 3 months of service are billed at $4.97 a month; $9.95 a morxh thereafter. 12-month commitment required for PeoplePC Accelerated. Month-to-Month pricing with no term commitment is $14.95 for PeoplePC Accelerated; $9.95 for PeoplePC Online without accelerator technology. Offer available to new dlal-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any bros. Phone technical support available for $1.95 per minute. JIMth PeoplePC Online Accelerated, certain Web page text and graphics well load faster when compared to standard dial-up Internet service. Actual results may vary. Service not available in all areas. Access fees, taxes and other fees and restrictions may apply. Phone technical support available for $1.95 per mmute. For questions, call toll-free at 1.888-5TRYi 02006 Peopki Inc. PeoplePC Online and Me Peoi Logo are registered trademarks of PsoplaPC, Inc. Trademrark$ are properties of their respective owners. All Ruts Reserved. Service not available in all areas. Access fees, hexes, and other fees and resMctnors may apply Telephone toll charges may i ppy, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be ti mlited, especially during times of peak usage. Dial-up numbers may be changed at Peopli discretion. Continuous use subject to timeout procedures. AI use is subject to Peoplei Onii Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 Peopi Inc. All Rights Reserved. PeoplePC Online and its logos are trademaris of PeoplePC in the U.S. and other countries. D 2006 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. 8 Oyy I b < ppeeriodic rate. To obtain the average daily balance for the billing Period covered by this statement , we take the begnnsg balance of each segment each day, add any now nransactiens W each aegnem, and abuser any payments es Credits. (If the code N eppeam m the from of this statement next to 'Balance, Rate Applied To; we also attract any unpaid finance charge ntlud., n the balance of each segment.) This gives u the daily balance of each segment. Then we add up all the daily balances for each em for the baling period and divide by the total number of days in the baling period. This gives tins the 3. Ar= Pamir dally balance of each segment. ortape Rats fAPRI- a. Th. temp 'Annual Percentage Rate' may appear as APR' an the f-t of this mmemmt. to. If the code P (Prime), L (3-mo. LIBOR), C (Cenificate of Deposit), or S (Bankemd Prime) appears on the from of this statement next to the pedodc reinstall, the perieAc raise and corresponding ANIMAL PERCENTAGE RATES may very quarteriy and may increase or decrease based m to stated ihdees, ere found in The We11 Street ?oumal, plus the margin ppreviou ly 6aeoaed to you. These c argea VAN be effective on the first day of your blNing period covered by your periodic atalemem ending in the months January, April, Jrlyy and October. c. It the code D (Prime), F 0 rim. L1BOR) or G (3-mo. LIBOR Repricetl Mora i appears m the from of you statement next to the pemodk rate(s), the pedodo miss and ceneapehdrhg ANM)AL PERCENTAGE RATES ma Y ry mentiy and may incrse o decrease based en the mated indees, as farad in The Well Sbea Jorrrnal, Pk. the margin previously disclosed to you. These charges will be effearw en the first day of your billing Period each month. 4. Aaamstra it of Leta, O-smR ant Rattamad Psymnt Faits. your account will be assessed m more than two of the fee. listed here that occur during any billing period. Under the t arms of your customer agreement, we reserve the right to i not to asaem any tees without rior relocation to yw without waiving our dgm to assess the acme or .1.11m tees at a later time. 5.1Raawtimg You Aoaaat. If a maMeraNp fee appesm an the from of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee cred[ed to you if you cancel your amount. During this period, you may continue to use your account without having to pay the membership fee. To cancel your exoum, you mush notify tie by calling our Cuaoner Rolatime Department and pay your -hew Balance' in full lexduudli the membership felt) prior to the end of the thirty-day period. S. N Ym Close You Amoud. You can request to does yyour accent by calling ce r Customer Role oepenmsm. You must destroy your credt cord(s) and account seems checks, cancel all preauhodzed billing, and cease usirh9 your account. If you do not camel preautherized filling arrangements, we vAll consider recelpt of a charge your auhodznim to reopen your ecceum. Additionally, your account will not be dosed until you pay all amounts Vol, owe us including: any transactions you have authorized, finance charges, past due fees, ove riimin tees, returned payment fees, cash advance tees and any odor fees assessed to your accost. You am responsible for them amounts whether they appear on Your account at the time you request to close the account or they are Incurred subsequent to you r request to dose the amount. This may resit in charges appearing on your account she, vcu have your a elan it ft has already been dosed. For example, if You authorized a purchase from a merchant and we mceive the traraecdm from rho merchant after your a- has been domed, You aCcouat will be imported, the am tint of the large will be added to your accent, and yyoueu will be responsible for paymet. If them is a membership fee for your accesm, sit fee will continue to be cherged, to t axtem 'vied by law, until the aocertt be arcs ties basin pa d in fug as defined above. 7. Uaidg Your Aoaoud.VOUr cam OF account carvct be used in t xracdm with any Merritt gambling tra eactions. 8. Nitre Abort Embronio Chock Corwersgl. When you provide a deck as payment, you suredze ns eldler w uses information from your tack to make a ons-time electronic hand tra infer from your bank a courn or to Process to payment as a deck transaction. When we use information from your deck to make an electronic fund transfer, haffi may be withdrawn, from your bank accent as soon as the same day wa receive your payment, and you will riot rerxive you deck back from your Mernaal insttuuen. BILLING RIGHTS SUMMARY (In Case Of Errors Or Que rdons Aber your BNB If you think your hill Is wrong, or If you need more information on a trarmactian err bill, wme to us on a separate sheet as soon as possible at the address for inquiries shown on the from of this manemem. We must hear fran you no later than 00 days after we sent you the that bill m witch to error o problem appeared. Yw can call our Customer Reladens comber, but doing m will not pnemlve your rights. In your letter, give us, the following formation: your name and account number, the dollar amount of the suspected error, a description of the error and an etplanatim, if possible, of why you believe there I. an error, or if you need more Information, a dexriptim of the hem you are uhoue about. You do not have to pay any amount in question whsle we are Investigating it, bin you re still obits tad to pay tha pitta et your llo that are not in queestim. 4'NIe we nwstttppeetoa ny a your queadm, we carrot repen you as delinquent or talcs ction to collect 1h ahhounn You question. 4,1' Special Rule For Credit Card Purcharim If Vol, have a Problem with the quality of property or seMCes that You purdased with a credit cam and you have tried in good iahh to correct the problem with the rchant, you may have fine right rat to pay the remaining am cum due on the p ny a seMCea. You have this protecden only viers the Purchase Duke was more than and do pundits was made in your home state or vMhin 100 miles of your making address. (If we own or operate the merchant, of if we mailed Wu the advertisement for property or services, aN purchases are covered regaMes of amain a location of purchase.) Reese r=ber re sigh all corregendence. t Does not apply, to consumer non-credit cell accounts t Does rot appty to business non-credit cell aoeeu m One supports Intormatim privacy protection; me oui ragatered service mark of Capital AJI rights reserved. 0 2003 01LGLBAK To. tlrsse period. You will have a mihimun grace period of 25 days without finance, large m new purchases, new balance transfers, now, special purchases and now other charges if you pay your tool 'New Bale ce', in accadaca with the Ingonem Notice for paymadts below, and in time for it re be credited by your rabn staement dosing date. There Is no grace period on, call advances and special transfers. In addition, there is ne grew period on arty transit.-tlm if you do non pay the total 'New bdanx.' It. Aoanuig Fianhee Charg . Transactions which are not aubjed to a grace period are assessed Manx: large 1) from the data of the tre neaction or 2) from the doe ills transaction is processed to you Accent or 3) from the first calendar day of the anent biairg period. Additionally, if you uid nit pay the'Nove Balance' from the previous, bNNnp period in tiff, frhahce charges candrnue to avenue to your uhpail balr- until the unpaid balance is paid in fill. his msere cat you meyy still owe Mace tllergea, even if you pay the entire New Balance indicated on the from of your statement by the next stammem dosing date, but lid rot do so for the previous month. Urpaid finance der re added re the a s oe? tr.. %grhbhaan Fnadoe dugs.cable Foeagrher each billlrg period caf yon Acoont your exam ie asyect re is thanes charge, a mWnu t tool RNANCE dIARGE of $0.50 will be Impoaad. R der total finance charge resulting from the wgldm r of you Periodic rate(s) is leas than 90.50, we abtrect thet avant from the $0.50 miilmun and the dffora ce, will be billed to the purchase, segrh of your account. t d. Tertpaary Radwadon in Holmes Charge. We reserve do ridn mpenot aaseas any or alt fin roue charges for any given 2. Avaap Daly ealaae Ikakdihp New prrd-I. s. Rnarce large is calculated y =11plying to dairy balance, of each segment: of you amount (e.g., cash dvannx, purchase, special transfer, and spacial purchase) by the corresponding daffy periods roe(s) that has been pmvkmAY dalosad M you. At the end of each derv dudrlp the dung period, vw apply the dally pedodc rite for -9 aeg time of your a mutt toder dailyy balance of each segment. Than at the end Of lie Isig period, we add up the re sum of these daily calculations, to arrive at your the r? finance charge for each segment. We add gment to arrive at the total periodic eaits froon each se finance charge for your amount. To get tfe dairy balance for each eagnerst of your amount, we take this begming balance for each segment ant add any new, transactions and my look fiance large Calaiated an the pnevias day's ance for dat segment. We than attract any paynhahts or crofts post a. o d of then day that ere allocated fore ??ht of ammam daily balance New Belerhce shown you, you a-* Previout statem nt In full s the o , (or If your new balance ws zero o a crack amou ni new transactions which poet to your purdase, or special purchase segnaus are not added to the dairy balame. We calculate the average daily balance by adding all the daily balances together and dvidrg the am by the hurter of the days in the current billing cycle. To caidubi your te finance large, rmitply your average dsly baanx by thal e daily pedodo me and by the ember of days, In the hall pedal. Due to rounding on, a daily basis, dare may be a alga variance between this calculation, and the amours of finance derrge actually assessed. b. If the code Z o N appeal on the from of INS staemem rext W 'Baiarce Kato Applied To,' we muuldply the ==i'-_P:= s You mall to us will be credted to your accoun as of the business day we receive h, provided (1) you send this bottom portion of this T,1011 and your deck envelope and (2) your payment is received in our processing tamer by 3 p.m. ET (12 noon PT). Please allow at lean five (5) business days for postal delivery. Payments by us at any other k ion or in any other font may not be cradled as of this derv we receive them. Our busines days are Monday through Satuday excluding holidays. Ream do received staples, paper dire ate. when prepamg your payment. When you rend us a chock(s), you aurhodze us to make a oer-time electronic transfer debit iron your bank exam for the amour of nha clock This authaizadm applies to all chwes miceived during the billing cycle even if sent by someone else. If we cannot proses the transfer, you authorize us to make a Jorge against your bank account using the deck, a paper drat( or other fan. 596750 `cc L c. ? ?-0,. Account S One simple phone call could save you up to $403028 or more See back for details -? Previous Balance $2,195.36 Payments, Credits and Adjustments $130.00 Transactions $108.02 Finance Charges $26.67 New Balance $2,200.05 Minimum Amount Due $66.00 Payment Due Date August 27, 2005 Total Credit Line $2,200 Total Available Credit $,00 Credit Line for Cash $2,200 Available Credit for Cash $,00 At your service To call Customer Relations or to report a lost or stolen card: 1-800-903-3637 Send payments to. Send inquiries to. Attn: Remittance Processing Capital One Bank Capital One P.O. Box 790216 P.O. B. 30285 St. L 6, MO 63179-0216 SLC, UT 84130-0285 PLATINUM MASTERCARD ACCOUNT JUN 28 - JUL 27, 2005 5178-0522-0067-0905 Page 1 of 2 Payments, Credits and Adjustments 1 14 JUL PAYMENT RECEIVED -THANK YOU $130.00- Transactions 2 18 JUL ENTREPRENEUR GROUP DES PLAINES IL $88,85 3 27 JUL PAYMENT PROTECTION 1-888-527-6904 19.17 You have earned a cumulative rebate of $.71 as of your JUNE statement closing date. Remember to use your Capital One account to take advantage of the great purchase rebate program! Notice of Change In Account Terms" If your account is five or more days past due within six billing periods after being two or more days past due, or if we do not receive your minimum monthly payment for two consecutive billing periods, all rates may increase to the Default APR previously disclosed to you. All other terms and conditions on your account remain in effect. Finance Charges Pleare me reunJetidefor important information N Bdasru ao Penodir Come ding bZIVANC$ 'p-d rate Cj-jAjtGE PURCHASES $1,629.52 .04082% 14.90% $19.96 CASH $547.71 .04082% 14.90% $6.71 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT CRO 0000000 0 5178052200670905 27 2200050130000066003 New Balance $2,200.05 Minimum Amount Due $66.00 Payment Due Date August 27, 2005 Total enclosed $ -- 1 Account Number: 517&0522-0067-0905 Capital One Bank P.O. Box 790216 11111 111111111I1I1111I St. Louis, MO 63179-0216 III III I I I II 111 1 1 6 11111 111 11111111 1 111 11 1 11 111111 11 1111111 L l Plearejrws xiGngaa-andl -I /age, be! ruingb! -411 E ,k Street Apt # Gry Satre ZIP home atone Alwnve Phone #9020956678636515# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 m _ o 1111 IIIIIIIIIIII I I I 1111111 I11 IIII11111111111111111111111111111 r Plcars rariteyorn arrorsnt number on yore rheak or ropey order nndepayable to Capital One Rani and mail in the en42red en-kpe. Curious? Call (800) 993-5066 or visit www.CapitalOneNow.com for a FREE quote today. Crap WOnee I auto insurance 8 O I O ' 2 N O In a few minutes you could be saving up to $403.29* or more, a year on car insurance! When you call, please mention Priority Code 9709000660. Savings emouma are based on tnmirenoe premium information Provdad by purdtesers d inaureroa grggh a similar program, from 2/3p200a o 11/11!2000, placed by the literhgetl organs of Irslopic Corporation ("InsLogic'), an afkliete of Capital One Bank, Capital One, FS.B, and Capital One Financial Corporation (collectively. "Capital Oneh. Caplan One auto insurance Is brought to you by Capital One Insurance Agency ("COIN"), an affiliate of Capital One. COIA is a licensed insurance agency and provides all information regarding available insurance products. Insurance products am provided by non-af hated participating Insurance companies. Applicants are individually underwritten anti rot all appacanta wt quality for imminence. Not as insurance -I- and product feature), are evdleble in all states this is not an offer or soYdtatbn In any )urkdclion In which the policies or product features are rot approved for sale. Capital One does not provide, endorse, or guarantee any third-party Product or asivim shown here. INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF OR GUARANTEED BY CAPITAL ONE OR AN AFFILIATE OF CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC, ANY FEDERAL GOVERNMENT AGENCY OR CAPITAL ONE. Your decision to purchase insurance and your choice of an insurer or agent will have no ettecl on your efgiblity or any Capital One product or service. 02005 Capital One Somme, inc. Capital One is a federally registered servineman. All rights reserved. ppeenode rate. =1h thaverage daily balance for he billtrg Iheriod y this natmm, we lake tie beginnng balance of each seem. eaM day, add any new transecmians to each aegn., and sbtract any paymms Of credits. (If the code N appeam m 4e from of this statmm next to 'Balance Rate Applied Ta,' we also subtract any unpaid finance cage irasuded in the balance of each segneceM.l TNa gives us the daily balance of each segment. Thhen we add up all the daily balances for each aegrhm or the tilling period and divide by the total camber of days In tie hilerg period. This fives us the aver. dally Is- of each sego., 3. Aral Rata (APRI. a. The term Z1=1 Parcemape pate' may appear as 'APR- on this statmsm. b. If the code P (Prime), L (3-mo. LIBOR), C (Cenificate of Deposit), or S (Bankvrd Prime) appeem on the fr. of this natmort red to the periadc ratala), the periodic rater and conesporh ing ANNUAL PERCENTAGE RATES may vary gusnedy and may increase or decrease based or the acted htdces, as fraud in The We/I Streer Journal, plus the margn yDrevouty dsdosed toy.. These dertgee will be eHectlve on the first day of your biIIMg pedal covered by Your periodic rietm. erring n the menthe Jeranry, April, July and October. c. If the code D (Prime), F 0 inc. LIBOR) or G (3-mO. LIBOR Repdoad Monthly) appears e(n the I dodo amarea .atm. next ue the pedodc pe end ANNUAL PERCEMAOE ROTES y va,=712 may Increase or decrease based on the stated tnAces, as foul in The Wed SYreet Jaumet, pre the margin previously disclose[ to you. Theo dhanpea will be effective on the film day of your bitting period each month. 4. Awmnrat of Labs, OV Wb tt and Raluned Par it Far. Your account will be assessed no more than two of the fees listed here that occur during any billing peed. Under the terms of your cusimer agmethr vve reserve the right to walve or not to assess any fma within prior mtiflcetim to you without waiving our right to assess the same or similar at a later dime. 5. Y,tr Aohmrt. If aam.6ersNp fee days from the dale this at lament mwae mailed to 30 avoid paying the tee oil to have suit fee credited to - it you cancel Your accent During this period, you may continue to use your amount without lpeng to pay the membeship tea. To cancel your secant, you must notify us by telling our Cunmer Relatirna Depattment and pay yyar'New Dole-.- in tut (excluding the membership fee) prior to the and of the thirty-day period. 8. If You Cleas You Aeonus. You can requen to close yy r axtunt by calling our Customer Refall- Depanmem. You must destroy your credlt cad(s) end accent access checks, cartel all Pro othodzetl billing, and cease usirtp your accent. I1 yen oo not cancel preauticrized billing armrgements, we will consider cep[ of a large your authorization to reopen your accent Additionally, your axon will not be closed unfit You Pay all amounts You owe us including: any transamions You have authorized, finance charges, pan due face, "wrlimit tees, resumed payment fees, cash advance fees and any other fees assessed to your accen. You are responsible for these amounts whether they appear on your account at the time you request to close the account or they am Imum" abaegtent to y t requea to close the accent. This may result In cg g ppearing On your account after you lave your accurst if it has already been dosed. For example, if You 8uthorized a purchase from a merctm and we receive the trareaction from the memMnt attar your eecoul has beech dosed, your acme will be reopened, the -gout of tta charge wN be added to your accent, anh II be reaputalbie or payment. If them is a drhbaraP for your account, ow fee will comme to be charged, to tit extent pemtitted by law, until the accent balance ha9 been paid In foil as dented above. ng T used In connection with an a Inferrer am cannot be transactions. any gambling R. North- Abort Elrsborts l7hsak Cttrwanton. W)en you previ4 a clack as payment, you satirize us dither to rare inomation iron Your check to make Bore-time alectroric find trerefar from your bank account or to process the payrnerat as a deck transaction. W hah we use Infomation from yar check o make an elacuorhk fund transfor, firtdt may be wkhdmrvn harry your bank account as soon r the w= we receive ydu payment, and you will not receive your check beck from your financial mothr lion. WILLING RIGHTS SUMMARY (It Case Of Enom Or Oueadons About Your 0111) If you think your bill Is wrong, w if you reed more nformation on a trasaction or bill, write to us on a separate sheet ea soon as poaa6le at the address for m shown on tie fast of this httatment. We must you he later than eO de after we s. you the first big on wNM the error or problem appeared. You can call cur Gartman Raletiore number, but doing - will not preserve your rights. In your letter, give u the ftlIVM infamatiorc your name and accent number, the dollar amour of the atepecod error, a description of the error end an mplanatian, if poaalbie, of whyy you believe there is an error, If you nod more ormamian, a descdptlan of the h. you ere unsure about. . You do not have to pay any amore In question while we are Invenigatlng It, film you are .1111 abilgeled to pay the pans of your bill that are rat In gueation. WN1. we investigate your question, carom report you as delinquent or take any anion to collect the amore you question. I,t Special Rule For Credit Cam Purchases If You lave a problem with the quality of property or that you purchased with a credit card and you lees tiled In god faith to correct the prahlm with the merclham, you may have the d¢tt act to pay the rmalring arrant due on the pr ny OF WrAfte. You have this protection aNy when rte pumlar Wks was more than 650.00 and the purdase was m n your tome sine or within 100 miles of your ma111 address. (Ii we oval or operate the merchant, or If we mailed you the advertissmem or the property or scrvicee, all purl',- re vvered repedess o .ant or location of purchase.) FIease rorttember to sigh all ceneaportdertce. t foes not ePplY to eesumer ron-cr' dit card.-oaMa I Ooea nor epp)Y W busp - mar-odd card accounts One aupporte information privacy protection: see our i at www=VrJons.cm. One I. a tetlarally registered service mark of Capital ndal Corporation. Al tights reserved. a 2003 Ore 01 LOLBAK tor. Orraa Par Py min hsvega minimum grace period of 25 days without 5- ratarge on new purchases, new belertce trensom, raw spatial purchases end raw other dhages if You pay your total 'New Balaree', in accordance with tra Important Notice for paymerho below, and n time or it to be cradled by your nom statmertt dealing data. Them is ro grew period on cash advances and special trainers, In addhkn, there is ro grace period m any transaction if you do rot pay the total 'New balance.' b. Aaaukg Fkree Chrge. Transactions which are rot sugeot tO a gace Penrod are ameseed Am- charge t) from the date of the transaction or 2) from the date the tae nsectim is prom9di to Your Arrant w 3) from the first rdendar day of the arrant bilgrtp pecod. Addtiorhafly, if you old rot pay tile 'New Balance from the previae billing Period in full, finance charges continue to accrue to oar utPaid balaree uhtN the urtpeitl balance is paid in full. TNa means that you mayy sole cuss Rance charges, oven If you pay the vim New Balerhce Itdcatd m the front of yea sot"T r by the nazi sot.. tloslhp oleo, but did not co so fOr the pmvfae month. Unpaid tlnsrce tlhargea eddd =1=11= MYltmsm of pn:dd?thamt. your accent la wgrect to a thence large, a minimum tool FINANCE CHARGE of 80.50 will be Imposed. If the [oral FINANCE maiitYhg fr. the, V tlon of oar Periodc mo(or) is leer Uhan 80.50, we will subtract tMt amarht horn the 80.50 mlixum and the differur wig be billed [o the Wrdhaes aaVnu? of yov axare td. benrpsr>ry pion Yh Fitato?CJgrga. We raservc the billing Period. V ryes or any given 2. Avrnpe Dd%=" Ikwkndnp Now PrMe%. e. Rnaroe -kuI&Ied y mctiplying Ute dally belarca of eaM aepnrn of your acme (e.g., cash advance, purcheae, apecal tmrefor, end special punihase) by to mreapordrtg daily periodc mte(s) that hen been prevluualY te.deaed to yen. At the end of east day dahg the b4I rrIod, we apply the daey pedtxfic rote or each segment of yrar axon to to daeY balance of each segnent. Then at the end of the btenhg prod, we add up the naafis of thaae daily ralWatiors to arrive at your pedal. firertce dsrg or each seprterht. We etH results from aedh segment to arrive at the tool pediodica firharce Merge or yar amount. To get the daily brlahx or eaM segment of your accent we oke the be*"- balaee for .h ae'Ttort aid add anyy new tr me" SW anypB dOic finance charge calaiaod on the previae days baarce or that aeOnerc. Wa dish slbtrect 7k Paym,rho or aedio posted r of the[ ley that ere allocated ro chat sago.. TNa ghee us the separate dally balance a o; your a-. However, if yw geld the yar previous sots. In fill (or If you new balance was zero ore credit amours, maw trasaotiore wNM pmt to your purdheae or purdase ae?terho am riot added to the daily balances. We cekulate the average cagy balance by aidrg all the dally the balero days r in togotler the current[ d b(eig vkinpcyde. To rte sun by -1= youden rarrbarr of total finanvz ==y your average daily balance by the daily peby the number of days in the billing period Due o rordrg an a elegy basis, them may be a septa variance between this calaiaton and the amen[ Of finance large acnuaeY assessed. b. If the code Z o N appeam m the tam of this atatm_ men o 'Balance Rate Applied To; we multoly the Irrpat-t NWp: Paym.a you mall to us Will be credited to your acvurtt as of rte bualnsas ley we recalve h, provided 11) you nerd the boom portion of this nom. and your deck d the endoaed by us nanvlyl end (2) your pays. Is in our a0 ce.slrg comer by 3 p.m. ET (12 noon PT). Phase allow at lees[ Ave 15 A ) buaoesa Y. for postal deevery. = d-le o received by us any other Ixaton or In any otherrevived form may not credited as of the deny we revive tihm. Our bwlnra days are Monday tftauph Saturday, exdWng holidays. Please do not wen supiea, paper dpa nc. when preparing youurto all dac pays.. What you [[and ua a dteckls), you autorize us to make a artatime eloctrartic trarobr debit Iran ywr bank for lac 10 make the charge a of tie tltx Tula authodzatan appiles ka revived during the bilhtkg cycle even if sent by sermons, else. It we cannot process the Irenaor, you authorize us [o make a durge against your bank account wing the check, a paper draft of other hot. 201453 HAROLD M STEENBURG, you may be minutes away from saving up to $400*or more per year on your auto insurance. Capitalone,' I auto insurance Page 2 of 2 One-Stop Shopping for HAROLD M STEENBURG, Maximum Savings: With a FREE, no-obligation auto insurance quote through Capital One," a few minutes of your time could be worth up to $400 or more a year. One easy step compares rates from five top companies" In one simple step, our new insurance agency service provides Free, no-obligation quote up to five competitive, reliable quotes from leading auto insurers. And the quotes are tailored to your specific needs, Save up to $400 or more per year! so you can quickly compare them to your existing policy- and see how much you can save. In other words, this is a smart way to shop that puts you in the driver's seat ... and in control of how much you pay! Call today It's easy to get your quote by visiting our Web site at (800) 993-5056 www.CapitalOneQuote.com. Or for personal service by phone, call (800) 993-5056 to speak with or visit our expert insurance agents, www.CapitalOneQuote.com Please indicate Priority Code Find out how much you could save. Act now for your free, 9809000660. no-obligation quote! Visit www.CapRalOneQuote.com Personal Service Agents or call (800) 993-5056 today. available to take your call Mon - Fri 9 a.m. - 11 p.m. ET Sat 11 a.m. - 8 p.m. ET 201453 Call today (800) 993-5056 or visit www.CapitalOneQuote.com Capthdo ne* I auto insurance You could save HUNDREDS OF DOLLARS by calling TODAY. For even faster service, please have the following available: • Current auto policy for comparison • Vehicle Identification Number (VIN) • Driver's license number • Priority Code 9809000660 As a handy reminder, detatch this coupon and keep it in a secure location for future reference. Savings amounts are based on insurance premium information provided by purchasers of insurance through a similar program, from 2/3/2004 to 1 1 111 /2 0 04, placed by the licensed agents of InsLogic Corporation ("Ins Logic"), an affiliate of Capital One Bank, Capital One, F.S.B. and Capital One Financial Corporation (collectively, "Capital One"). You will receive quotes from top insurers awarded high ratings by A.M. Best Company, the insurance industry's leading independent analyst. Capital One auto insurance is brought to you by Capital One Insurance Agency ("COIA"), an affiliate of Capital One. COIA Is a licensed insurance agency and provides all information regarding available insurance products. Insurance products are provided by non-affiliated participating insurance companies. Applicants are individually underwritten and not all applicants will quality for insurance. Not all insurance policies and product features are available in all states; this Is not an offer or solicitation in any Jurisdiction in which the policies or product features are not approved for sale. Capital One does not provide, endorse, or guarantee any third-party product or service shown here. INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF, OR GUARANTEED BY CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC, ANY FEDERAL GOVERNMENT AGENCY OR CAPITAL ONE. Your decision to purchase insurance and your choice of an insurer or agent will have no effect on your eligibility for any Capital One product or service. Ratings reflect A.M. Bast's current opinion of each insurance company's financial condition and are subject to change. Ratings are not an expressed or implied warranty of any Insurance company's ability to meet its obligations. ® 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. oy N ,A First 3 months half-price 9 4 7* a mo h; $9.9mo. thereafter SIGN UP TODAYI ' 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade peoplepc- online %-/ A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up Blacker T11 Spam Controls Smart Dialer j Phisher Security C Internet Call Waiting Account S Previous Balance $2,200.05 Payments, Credits and Adjustments $80.00 Transactions $93.53 Finance Charges $28.55 New Balance $2,242.13 Minimum Amount Due .$67.00 Payment Due Date September 27, 2005 Total Credit Line $2,200 Total Available Credit $,00 Credit Line for Cash $2,200 Available Credit for Cash $.00 At your service To call Customer Relations or to report a 1o t or stolen cud 1-800-903-3637 send paymmu to: send inq-to to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 790116 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 PLATINUM MASTERCARD ACCOUNT JUL 28 - AUG 27, 2005 5178-0522-0067-0905 Page 1 of 2 Payments, Credits and Adjustments 1 19 AUG Cap 1 ElectronicPhonePmt AuthDate 19-AUG $80.00- Transactions 2 27 JUL SUNOCO SVC STATION DANVILLE PA $35.00 3 29 JUL OVERLIMIT FEE 29.00 4 19 AUG PAY-BY-PHONE FEE 10.00 5 27 AUG PAYMENT PROTECTION 1-888-527-6904 19.53 You have earned a cumulative rebate of $1.25 as of your JULY statement closing date. Remember to use your Capital One account to take advantage of the great purchase rebate program! Your Capital One account balance exceeded your credit limit. As a result, your account was charged an over limit fee of $29.00 on 07/29/2005. Please pay the "minimum amount due" as shown on your statement to avoid additional fees. Finance Charges Pluue me reveruridefor important information o Bafann rafr Periodic Cmxrp?mding RAN pp&dfo rate A AI2 PURCHASES $1,707.19 .04082% 14.90% $21.60 CASH $549.46 .04082% 14.90% $6.95 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT Gaya 0000000 0 5178052200670905 27 2242130080000067002 New Balance $2,242.13 Plemetrod madmg, adh- andor e+IeAeWs be! -ndb! -44,k ink Minimum Amount Due $67.00 S_ Apt y Payment Due Date September 27, 2005 City Snm ZIP Total enclosed E Hom ?1- Alumate Phone Account Number: 5179-0522-0067-0905 Email Address Capital One Bank P.O. Box 790216 11111 11 1 111 111 St. Louis, MO 63179-0216 #9024056678636510# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 Please vniteyour account nxmber - your ebuk ors ney rode, madepayable to Capital One Bank and mail in the end wed envelope. peoplepcha online N-/ A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/goade PeoplePC is soley responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely awned by the respective entity. Ali rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer, available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1-877-778-1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. ® 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. ® 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 O I O!/d O can I R: 2 N n . ppeedock rate. To obtain the average daily balance for the Wllirq period covered by this statement, we take the hegimrg helanee of each segment each day, add any now transactions 10 each segment, and 81.1bIrac1 any payments or credits. (If the code N appears an the hart of this statement next to -Balance Rate Applied To,- we also subtract any upald enarce charge included in the balance of each Mem.) This gives ue the daily balance of each went for the we add up all the dally balarnas for each number of der In billing arydod and divide by the total hsepnarlis glues us the average daily balance of each 3. Anal Prorr[ape Ra[u (APR). a. The term 'Annual Percentage Rate' may appear as -APR- an line from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of DePosft), OF S (Bankcard Prkne) appears an the from of this mammon nou to the Periodic rate(s), the pmade rates ant corresponding ANNUAL PERCEMAGE RATES may vary quarterly and may increase or decreases, based an the mated indices, as foul in The Wait) Sheet Joumat, plus the margin pmvieusly disclosed to you. These darhoea win beeffective m the film day of you billing ladod covered by Y. Pedodk matemmt ending In the months January, April, J ly and October. c. If the code D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced Monday) appeam an the from of your stalemmt next to the periodic rate(s), the periodc rates and correspad'T ANNUAL PERCENTAGE RATES may vary mmttly and may increeae or decrease based an the mated indices, as ford in The Watf Street Journal, plus the margin previously disclosed to you. These flanges will be effective an the fine day of your billing period each month. a. Asaurrwt of Late, Ovrfirit rid Retuned Peymarlt Feu. your account will be assessed no more than awe of it. fees listed hem that occur during any billing period. Under the terms of your customer agr ems m, we reserve the right to give or not W assess any fees without prior notificatim to yw vllhout waiting our right to assess the same or similar fees at a later lime. 6.tRraw'khg You Acewt. If a membership fee appeals an the from of this statement, you have 30 days tram the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if You cancel your account. During this period, you may tontine, to use your ac0olum witheu hewing to pay the memhelship fee. To caned your account, you must notify us by calling our Cumanef Relatima Department and pay your 'New Balance' in full (excluding the membership fee) prior to the and of the thirty-day period. e. N You Ckra You Account. You can request to does yyoauur accmnt by calling cur Customer Relations Deparment. Vm mum destroy your credit cold(s) and account access decks, cancel all preauthorized Willing, and cease uain0 your accent. If you do not caned preaudaFit tilling arrarganema, we will consider recelpt of a charge your authorization to mopes your account. Additionally, your account will rot 6s, dosed until you pey all amanita you owe us including: any transactions you have authorized, finance chegss, pare due fees, oyedimit fees,:umed payment fees, cash advance fees and any other fees assessed to your account. You am responsible for these amounts whether they appear an your account at the time you request to close the account or they are incurred subsequent to charge requests to dose ii-ea no an vaerace?rvh.t Thisr mwvc iw?rt in your amount if it has already been dosed, nor exampie, if you out horiz all a purchase from a mere am and we receive the tm.adon flan the merchant after your secant hell been dosed, your account will be reopened, the amount of the large will be added to yea account, and vou will be responsible for payment. If them is a bbee P fm far your amours, the fee will condrss m he daroad, ro der eeaax pemritted by hew, usdl accouu bbddeence has been pad In fcl a9 d. abothe ve. 7. Using Your Asoo rri.Your card m account caret be used In connection with any Internet gambling trar-crbre. a. Nodoe About Elentmeb Ch wk Convrsim. When you provide a deck as payment, you authorize us either to use ielements, train you deck to make a one-time electronic find tranafer from you bank a, or to process the payneat as a deck tmraection. When vre use information from your deck to make an OV'ric fund transfer, fads may be wit dmwn from your bank account as soon as tie same day we receive your payment, and you will not receive your deck back from your financial inetitution. BILLING RIGHTS SUMMARY (In Case Of Errom Or Questions Afton Your Bill) 1t you tNnk your NII is wrarhg, or If you reed more niomallon an e t, Famr.ian or rill, write to us an a separate she. as soonfro es possitle at the address for inquiries shown an the m of this statement. We must hear frorn you rot later n GO days after we sere you the first hint an vNhich tie etherror a problem appeared. Vou can call err Customer Relations number, but doling w will rat preserve your rights M yaia letter, give us the following information: your name and account number, the dollar amount of the suspected error, a description of the error and an explanation, if posaitla, of why you believe there is an error; or if Vou reed mom Information, a description of the from You are unsure about. You do not have to fey any amount in question while we are Imemigalh it, but you are still obllgaled to pay the pans of Your bah that are roc In question. WNla we Investigate you question, we carrot report you as delinquurht or lake any action to collect the amount you question. 4,t Special Rule For Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you heve tried in good faith to correct the problem with the merchant, you may have the right net to fey the ramalring ream due an the pr rty or serAces. You he- Ws proteNan only when the purcase price was mom then $50.00 and the purchase was made in your home sate or within 100 miles of your mailing address. (If we own or operate the merchant, or it vve mailed vo11 the advenisemant for the progeny or services, allpurdaese are covered regardless of amount Or bcatian of purdase.) Please remember to sign all correspondence. t Does not apply to - surrey -,,ad& card acco-Is t Does rot apply to business aae.crodit carts accounts Capital One supports information privacy protection: see our webafte at www.captalore.com. Capital One is a federally registered service mark of Capital One Financial Corporation. WI d¢rts rese(ved. a 2003 To- uterus, Period, you will haw a min imium grace period of 25 days without fiance charge an raw purchis e, new balance transfers, new, special purceaes and new other charges if you pay your total 'New Balance', in axadmce with the Important Notice for payment: below, and in rmem for it to be credited by your next statement closing rime. Them is no grace period an rash advances and spedal transfers. In addition, them is no grace period m any tranosadon If you do not pay the total 'New balance.' b. Aeandrg Ftrrwa Chs". Tueeactiore which are not subject m a grace period are assessed finance large 1) ban the dam of the transaction or 2) from the date the trareactian is Processed to your Amount or 3) from the first slander day of the current billing period. Additionally, if you did rot pay the 'New Balance' from the previous billing period in full, finance dtrgss continue to accrue to your unpaid balance udl the unpaid balance is paid in fun. This means that you mayy stfg owe hence charges, even if you pay the erdm New Balrnce kxllcated c the from of your statement by the next statement dosing date, but did not da so for the prevbus month. Unpaid hence charges added m the appnceble seam of you A.aiwut. t c. ielllrr.an Fih.hs• Chrga. For each Wiling paced lhel Your aexxat fa subject to a brow charge, a minknun total FINANCE CHARGE of $0.60 will be IW% c . If the total finance derrpe mxdtlnp from de appg tim of y?uuuu periodic rate(:) is less then 50.50, we wll subtract their amour from the $0.50 mkwnrn and the difference will be billed to the purchases saptncot of your amount. t d. Tarpwry Red"" it Fmrme (sumps. We reserve the right to not araaess any or all finance charges for any given baling Period 2. Avrape Daily Bmanse Rnekrdkha New Plrahheaul. a. Frence large is calculated by multiplying the daily balance of each sagnent of our account (e.g., rash advance, punctes, specal ty ransfer, and special purchase) by the conerspondng daily periodic rate(s) ihethas been pmylousiy disclosed to you. At the and of each day during tlhe bggrg pedod, wo apply the daily periodic rate for sued, segment of your account to the daily balance of each sapnent. Thhan in the and of the bring period, we add up the results of these daily calculations to arrive at your Dew from each charge for cash segnem. We acid up the firence dm fort te adye at the total periodic rye your account. To get the dally balanoe for for each of your account, we take the beginning and an periodic ?tH charge and add any now n the the ptiat by annce ala for that calculated an previous day's > t any paymema or tracts posted u . of that then ley that a a subtract atm akorated to that segment. This gives use the se a daily balance for each esgnat of your account. However, if you geld the flow Beleree aiemh m You previous sta at in fill (or if your now bdanre was rem or a credit amount), new, ttransactions which pore to Your purchase or special Puric aes FraAnahm am not added to the daily balances. We caltxbtt, the average daily balance by addirg all the daily balances, together and dividing the sun by the number of the days in the curfet billing cycle. To calculate your total finance charge, multiply Your average risky balance by the daily periodic mite and by the amber of days in tie NI pedtd. Due to naming an a daily basis, them may be ag spit variance between tits callxlatlnn and the amour of f not- tlsrge a.- y assessed. b. If the cafe Z or N appeen m ds nom of this statement next to 'Balance Race Applied To,' we m ltiply the Irnpatrt NWw: Paymrtta you mail to us wkl ba credited to your a,xant as of thou buainoss daY we receive h, Provided I7) you send the bottom Poston of this statement and Your pack in the enc?loaed remittance envdape and (2) your payment is raocved in au roceaairg career by 3 p.m. ET (12 rem PT). Please :lbw at team five (6) bualreaa days for postal dellvery Payments, receivetl by us, at any other Imation or In any otter foml may not be credited ere of the ley we recelvo them. Our busrireea days are Monday through Saturday, mtCkedirg hog w. Please do rpm use auplas, paper dips rec. vden preparing your payment. Wthen yore sod us a check(s), you attorize w to make a ano-time electronic Frontier debit from your bank acux,Im for the amarn of tit dick TNa auMorirmian appall to a checks recaved during the biking cycle even it sere by eanaae else. If we carat promse the immiler, you authorize us to make a charge agairhm your bank aocant using the chock a paper draft or other hem. 201453 HAROLD M STEENBURG, you may be minutes away from saving up to $400*or more per year on your auto insurance. CapitalQ* auto insurance Page 2 of 2 One-Stop Shopping for HAROLD M STEENBURG, Maximum Savings: With a FREE, no-obligation auto insurance quote through Capital One,' a few minutes of your time could be worth up to $400 or more a year. One easy step compares rates from five top companies" In one simple step, our new insurance agency service provides Free, no-obligation quote up to five competitive, reliable quotes from leading auto insurers. And the quotes are tailored to your specific needs, Save up to $400 or more per year! so you can quickly compare them to your existing policy- and see how much you can save. In other words, this is a smart way to shop that puts you in the driver's seat ... and in control of how much you pay! N Call today It's easy to get your quote by visiting our Web site at (800) 977-4070 www.CapitalOneCarNow.com. Or for personal service by phone, call (800) 977-4070 to speak with or visit our expert insurance agents, www.Capkal0r*CarNow.com Please indicate Priority Code Find out how much you could save. Act now for your free, 8212546990. no-obligation quote! Visit www.CapitalOneCarNow.com Personal Service Agents or call (800) 977-4070 today. available to take your call Mon - Fri 9 a.m. - 11 p.m. ET Sat 11 a.m. - 8 p.m. ET 201453 You could save HUNDREDS OF DOLLARS by calling TODAY. Call today For even faster service, please have the following available: (800) 977-4070 or visit • Current auto policy for comparison www.CapitalOneCarNow.com • Vehicle Identification Number (VIN) • Driver's license number • Priority Code 8212546990 CAPthdOne° auto insurance As a handy reminder, detatch this coupon and keep it in a secure location for future reference. Savings amounts are based on insurance premium information provided by purchasers of Insurance through a similar program, from 213/2004 to 11111/2004, placed by the licensed agents of InsLogic Corporation ("Ins Logic"), an affiliate of Capital One Bank, Capital One, F.S.B. and Capital One Financial Corporation (collectively, 'Capital One"). " You will receive quotes from top insurers awarded high ratings by A.M. Best Company, the insurance industry's leading independent analyst Capital One auto insurance Is brought to you by Capital One Insurance Agency ("COIA' ), an affiliate of Capital One. COIA Is a licensed insurance agency and provides all information regarding available insurance products. Insurance products are provided by non-affiliated participating insurance companies. Applicants are individually underwritten and not all applicants will qualify for insurance. Not all insurance policies and product features are available In all states; this is not an offer or solicitation in any jurisdiction in which the policies or product features are not approved for sale. Capital One does not provide, endorse, or guarantee any third-party product or service shown here. INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF, OR GUARANTEED BY CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC, ANY FEDERAL GOVERNMENT AGENCY OR CAPITAL ONE. Your decision to purchase insurance and your choice of an insurer or agent will have no effect on your eligibility for any Capital One product or service. Ratings reflect A.M. Best's current opinion of each insurance company's financial condition and are subject to change. Ratings are not an expressed or implied warranty of any Insurance company's ability to meet its obligations. ® 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved oy o ?°n N u7 596781 1 QUICK CALL... UP TO S GREAT QUOTES... 19 TRAVELERS ReSW"aMW Safeco Insurance ?. r I I I }. WE IOIONAlIrO NEUWICE' HAH'I'hllttl) ... could save you up to 400 or more on auto insurance! cwft;z PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 AUG 28 - SEP 27, 2005 Page 1 of 2 Summary QhNoHassk • REWARDS- Previous Balance $2,242.13 Payments, Credits and Adjustme nts $200.00 Transactions $78.66 Finance Charges $2822 New Balance $2,149.01 Minimum Amount Due $64.00 Payment Due Date October 27, 2005 Total Credit Line $2,200 Total Available Credit $50.99 Credit Line for Cash $2,200 Available Credit for Cash $50.99 At your service To can Customer Relations or to report a lost or stolen card: 1-800-903-3637 Send paym.u to: Send inquiries to: Attn: Remits- Procrssing Capital One Bank Capital One P.O. B. 790216 P.O. Box 30285 St Louis, MO 63179-0116 SLC, UT 84130-0285 Important Account Information Twelve unsung heroes of college athletics are competing for the honor of Capital One National Mascot of the Year - and you can help decide who wins! Each week, the mascots go head-to-head in competition, but only one will win the coveted title and $10,000 for their school. Go to capitalone.com where you can vote daily for your favorite mascot - and don't forget to tune in to the Capital One Bowl on ABC on Monday, January 2, 2006, to see who wins? Payments, Credits and Adjustments 1 21 SEP Cap 1 ElectronkPhonePmt AuthDate 21-SEP $200.00- Transactions 2 17 SEP NCR 1-800-645-9430 #64333857 $49.95 3 21 SEP PAY-BY-PHONE FEE 10.00 4 27 SEP PAYMENT PROTECTION 1-888-527-6904 18.71 You have earned a cumulative rebate of $1.52 as of your AUGUST statement dosing date. Remember to use your Capital One account to take advantage of the great purchase rebate program! Congratulations on another year of benefits from National Card Registry. Your annual membership fee has just been renewed. The annual membership fee for National Card Registry has been automatically billed to your Capital One credit card so you can enjoy uninterrupted service. If you have any questions, please call the membership number listed above in the transaction section of your statement Please continue to enjoy the savings and peace of mind that National Card Registry provides. Finance Charges Pkare tee reverie tide for important information N B'd mate Pefiodrr Correspa?d n C$ oNN, q+plirdro ma& APR 6 PNGE PURCHASES $1,683.57 .0408296 14.90% $21.30 CASH $S47.14 .04082% 14.90% 56.92 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2149010200000064008 New Balance $2,149.01 Minimum Amount Due $64.00 Payment Due Date October 27, 2005 Total enclosed $ Account Number. 5178-0522-0067-0905 Plrarepraem 1,n,addr--,I/ar-,rra?trhaugrr br! mi 6Nwoeb1-kink Street Apt Y Ciry Snv ZIP Alwnue Phone #9027156678636515# MAIL ID NUMBER Capital One Bank HAROLD M STEENBURG P.O. Box 790216 Illnullllllulllull 729 SOUTHERN DR St. Louis, MO 63179-0216 m CATAWISSA PA 17820-8412 III IIIIIIIIIIIIIIII III IIIII IIIII IIIIIIIIIIIIIIIIIII IIIII IIIIII ? ? II IIIIIIIIIIIIIIIIIIIIIIIIIIII III II IIIII IIIIIIIIIIIIIIIIIII III Pleare vniteyour ac -t nunsb f on your check or mm my order made payable to Capital One Bank and mail in the enelared envelope. r A few minutes of your time could save you up to $400"or more Call Capital One Insurance Services1 today (800) 993-5062 or visit us online at www.GetMyAutoQuoteNow.com .". and see how much you could save! Mention promotion code 8412778761 when you call. -Savings amounts are based on insurance premi? infomM provided W Purchasers of INSURANCE PRODUCTS ARE NOT DEPOSITS OR OTHER OBLIGATIONS OF, 08 tnsureroa through a similar program, from 22x/3/22 b 11/1112004, placed y the licensed GUARANTEED BY CAPITAL ONE OR AN AFFILIATE OF CAPITAL ONE; THEY ARE NOT agents d InaLoge Corporation (wnsLOgic" ), m:,,I. of Capital One Bank, Caplfal One, F.S.B. INSURED BY THE FDIC, ANY UNITED STATES AGENCY OR CAPITAL ONE. Your declaim to and Capital One Financial Corporation (cdlwtiusly, "Caporal One"). purchasebr an insury ance Capital and One your product choice or of an service. insurer or agent will have no aged on your aligbdity TCIZIlI One Insurance Services i8 bleugm b you by Capital One Insurance Agency (-COIA' an alfllofe of Gapkal One. COIA Is a licensed insurance agency and proNdsa en information 0 2005 Capital One Services, Inc. Capital One le a fedwally registered service mark. regerdin99 available Insumnw products. Insurance products are provided by non-aKlkned Peredpeag nauApplkenal aro rtdwd,aiy uderwrimah and rot an appacams will quality for i,=-7= insurance Po1ci= end product feaWrea are aveilafie in all states; this is not an offer or solicitation in any jurisdiction in which tla policies or product features are not approved for sale. 8 O 1 O N 1 riod(c rate. To obtain the average daily balance for the l limp Period covered by this statement, we take the bcgirahnng balance of each segment each doV. add any rave .rare ctims to cacti segment, and aubtrad any payments a Credits. (If the code N appears m the from at this statement nerd to 'Balance Rate Applied Towe also subtract any unpaid finance charge included in the balance of each segment.) TNS gives us the dally balance of each ae((rndn. Then, we add up ell the dallyy balances for each aepnem br the billing period and dvide by Ill. tonal ember of days in the bilNrg pedod. This gives us the .verge daily L. of eadt segment. 3. Arwsl Pireattga Rttat IAPRL a. The term 'Annual Peruxrsage Rate' may appear as 'APR' on the fronto f this s element b. If the code P (Primet, L (3-Mo. UBOR), C iCartificate of Deposit), m S IBmkcard Prime) appear on the from of this natertmleapordrg ANNU netts to the pedodre rate(s), to periodic .to. and cenAL PERCENTAGE RATES may vary quarterly and may increase or decrease based an the stated indos, as toad in The Wail Sheet Journal. plus the margin ,mvfm dV dedosed to you. These dances will be eNectlve on the flint day of your billing period covered bV Vona periodic autartant erMng in the months Jasuary, April, July and October. C. It the coda D (Prime), F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced MoMNy) appaen m e from of your statemem next to the pedodc rate(s)th, da MT ratand corre.Pahdng ANNUAL PERCENTAGE may very monttly and may Increase or decrease bawd an the stated iMces, ea Imad in The Well Sheet Jame1, pits the margin previously cl= to ,. These danger Wit be effective m the first day of your billing period each month. 4. Aswme t of Late, Ovrirt and fist rned Payment Fees. Your account will be seasseed ro more than two of the fees listed here that omur dudrg any billing period. Under the terms of your custanar agreement, wo reserve the right to waive or rat to asmsa any fees witNna Oder wi flcalim to yin without waiving our right to assess the same or similar tees at a later time. S.tROnowkng your Anawt- If a membership fee appears an the from of IN. natemant, you have 30 days from the date this matern was mailed to you to avoid paying the lice or to have such fee credited to you if you cancel your eccmnt. During this period, you may continue to use Your account without having to pay the membership fee. To cancel your eeeoum, you mum notify us by calling our Qstaner Relations Departmmt and pay your "New Balance' in full (exdurirg the membership fee) prior to the and of tha mrty-dey period. 6. If Yuu Chas Your Aooouit. You can request to dose your account by calling our Customer Relatima {arman. Vou moat destroy yours credit card(.) end a moot access docks, cerhcel ell pmaunhorizm filling, and cease uairhQ your ecceum. If you do not caned Me,plwri a t filling arrangements, we will consider recelpt of a Barge your amMrization to reopen your account. Addtionslly, your amount will rot be dosed until you pay all amounts you owe us including: any lmmaections You have anhadzed, finance charges, pen due fees, overlimit fees, returned payment tees, -all advance fees and any other two assessed to your account. You are respormifie for these ammms whether they appear on your eccmm at the rime you requem to close the ac. or they am incurred subaequanl to chhaar9s sa aPP erra close on the account. ecnt after mwu h?t in your a= if h has already been dosed. For example, if authorized a purchase from a rmerdam and we 've one trameacrim from the merchant after your accent has been dosed, your accent will be reopened, the arrroud of the charge will be added to your account, and you wit be r=pa>aWia for payment. If there I. a membership toe for your acceurm, the fee will eomirare to be Barged, to the etdeM permitted by law, until the ecceunt balance has been paid In ft 11 as defined above. 7. lMg Yam Aaaoam.VOUr card a account cerrwt be used M coraactbn with any Internet gambling transactions. S. Notloe About Elsahtaie Cheek Conversion. When you provide a dock as payment, you authorize us either to use infemation from your deck [o make a one-time electronic fund transfer fron your bank acceurd or to process the payment as a lack transaction. When We use information from your check to make an electronic find transfer, fuab may be withdrewn from your bank alxmnt as sum as the same day we -w your payment, and you will not receive your deck back from your financial montutian. BILLING RIGHTS SUMMARY (In Case Of Errors Or Questions About Your Bill) If you third. Your bill I. wrag, or it yea need more information an a transacon or hill, wine to us m a separate sheet as win ea posai le at the address for irhquiriee shown on the from of this statemem. We must hear from you no later than 60 = after [te .firm you the first bill on wildh the ertor a problem appeared. You can call mr Customer Relations member, bun doing w will rot preserve your do it, your letter, givens the followirp information: Your name and account number, the ddlar amuxm of tha suupected soar, a dewripdm of the anon and an eaplansdon, it posed', of vMy you 6elieva there is an error; or if you need more Infemta on, a desedpllon of the item you ere unsure abort. You do not have to pay shy amaunat iinquer? question are hvtstigeting it, but you ga pay t pans of your bNI that are not in question. WNIe we Invest gate your question, we .- report you as delinquent or take any action to cdlem the amount you gxation. t,t Speclal Rude For Credit Card Purchaw. If you have a pmt W h the quality o1 property a mMcea that you purchased wilt a credit card end yqu have tded In goodyfaith to correct the problem with the mender, you ma have the rigin not to pay the remaining amount due on the property or services. You have this protection ody whin the purchase price was more than 850.00 and the purchase was made in your home state or Within 100 miles of your mailing address. (If " own or operate the merchant, or if y mailed you the advertisement for the property or services, all purchases are covered =,rde= of amount or location of purchase.) Plasm remember to sigh all correspondence. t Does not apply to oonsuoar tan-credit card accounts 3 Does rot apply to business noncredit card accounts One supports information privacy protection: we our at www.capp'talone.com. One is a tetlarally registered service ..,it of Capital ancfal Corporation. At lights reserved. a 2003 Ora OI LGLBAK 1. Fhow To Avoid A Fean [i sa Chargae. tor. Gram Period. You seal have mirimtan grace period of 25 days wathmt finance dherge on new pumJhasea, new balance trersfere, rnew special purtraaes and now odor ¢?rtce?wid?t p ?I Iola -New balance', in and in time for h ro NOtlce fen pa: a -- grace Y your note m- - doertg dare. There is In grace period cash advaroe® end spedal tranfm. In addition, them a no grace period m anY tmnsaddon acttan if if You do not pay ay tit1 l the total 'New balm b. Aoatig Fit-. Charge. Tmrraecdors vvldcth are not agb)ect to a grew period are assessed theme barge 1) from the dam of the [taraaetion or 2) iron the date the trarsactim is procesaed to your Accmnt or 3) from the first calerd. day of Use mrrrant baling period. Addi-IlY, if you rid not pay the 'New Baance from the previous biting period I. full, firorce Barges comity a to accrue to Your unpaid balance until the unpaid balance is paid in full. This memo that you mayy aril owe Trance dorgse, even if you pay the ontire New Baance rldi ad m the frad of ==Y the nen statement doing time, but rid prevlms month. Unpaid fironce charges tided ro ilia applt- a aegrmt of you A¢ant. t c. Your Your n FY exams I. is s CJtrys t o to a For finance eachce hNN one period trot RARGh rge, a MNmum tool RNANCE l3{ARGE of .0.50 will be knPaeed. If the total fine- darye realtkq from lha %Mcadm of Your periodc rate(s) is Isas then $0.50, sea serif subtract dot amour limn the 80.50 mkdmum and the dfferatca will be Willed to tha purtltese segt?em of your euxmnt. td. 7arrgorary Rsduetion .=a t Finnw pugs. We Mae tfo right to not aasese any or all finance Barges far any given baling period. 2. Awraga DWY BWnw IbeBtdrg N- gauM. a. Rnsnce charge is calculated y m.1f lying pal the daily bdmce of sadh =.01'l== (e.g., rash advohce, purBaspedel purdose) by tha ceresponrmg delly pedodc rate(s) that has been prevfoudy ad V. you. A[ the and of saon Bey durirnp the Wiling pedod, we apply the daily periodic mta for mot segment of your auxant to the daily balance of each gee muThon?am ahd of the !AIM period, m add up y celmletiars to emus a periods finsrnce drerga dailfor seha aepnerr. We add up the rams from co "Za ro amYo ::V oad pelodc firorce Barge for your aoxan[. To IN, balance for eactn aegnerd of your a.soud, vve take 0. beginning balance fa eadn aegnatt and add arrtyry raw trnsactiala and my riodc finsrnce Barge call start on the previous deyya once for redi[a Dot ae(mat. We than sbtra, any Pew s or c posted = of that day that are allocated fur a TN. gives us the =.,a daily balance hJew ecceuru. However, If you paid the your previous statement in fill for If Your row balance sees zero or a credit amount), new tmrmctiora which pmt to your purchase or special purchase sephmta am not added to the daily balances. We calculate the evaege daily halance by eddrg el the daily balamrm togedar and dvidng the aunt by de ember of Bey. in tla currant Wiling cycle, To celculae your total the firarxe odnarge, roltiply Your average defy belantce by the daily periodic rete and by tla ember of days h the baring period. Due to rourndng on a daily basis, dare may be a algid variance between die xlmletlon and the amain of finsr Barge actually p amoomd. the b. I the code la o N appear on ie the ham of this sutemem x[ to 'Balance Rate Applied To,' we mWtiMY the Inpatatl Nogse: Payments you Mail to se Will be dedied to your ax M as of the bucks= day we recsiva h, Provided 111 you sad tha bottom portbn of des natanem eM your deck In ds ermcbaod remittance an vdope and (2) your ?ymad Is recelwd h vur prxesatg center by 3 p.m. ET (12 neon Pn. Please allow at leas Ave 15) busireas days for postal delivery. Payments received by ue at any oter IOG or n any corm form may not bDBa cedited as of rho Bey vre recdve dent, 01J, ur bwksta days are Mmtlay dhroul/h Saturday, excluding holiday.. Plea= do =_ , =r' etc. when preparing our peymumm. Whin you tied us a deck(s), You authorize w to make a mss lima aiaclrodc for debit from your bank account -711 of his authaizaoan spat oe m all decks rocaved duarg the bilkrg cycle even if amt by someone elm. If we cannot process the transfer, you authorize us to make a charge against your bank acomrtt using the deck, a paper doh or vdsr item. 201453 HAROLD M STEENBURG, you may be minutes away from saving up to $400* or more per year on your auto insurance. Capital()auto insurance Page 2 of 2 One-Stop Shopping for HAROLD M STEENBURG, Maximum Savings: With a FREE, no-obligation auto insurance quote through Capital One," a few minutes of your time could be worth up to $400 or more a year. One easy step compares rates from five top companies" In one simple step, our new insurance agency service provides up to five competitive, reliable quotes from leading auto Free, no-obligation quote insurers. And the quotes are tailored to your specific needs, Save up to $400 or more per year! so you can quickly compare them to your existing policy- and see how much you can save. In other words, this is a smart way to shop that puts you in the driver's seat ... and in control of how much you pay! N Call today It's easy to get your quote by visiting our Web site at (800) 993-5061 www.CapRalOne.com/Quote. Or for personal service by phone, call (800) 993-5061 to speak with or visit our expert insurance agents. www.CapKalOne.com/Quote Please indicate Priority Code Find out how much you could save. Act now for your free, 8512776761. no-obligation quote! Visit www.CapitalOne.com/Quote Personal Service Agents or call (800) 993-5061 today. available to take your call Mon - Fri 9 a.m. - 11 p.m. ET Sat 11 a.m. - 8 p.m. ET 201453 Call today (800) 993-5061 or visit www.CapitalOne.com/Quote Capltaipne' I auto insurance You could save HUNDREDS OF DOLLARS by calling TODAY. For even faster service, please have the following available: - Current auto policy for comparison - Vehicle Identification Number (VIN) - Driver's license number - Priority Code 8512778761 As a handy reminder, detatch this coupon and keep it in a secure location for future reference. Savings amounts are based on insurance premium information provided by purchasers of Insurance through a similar program, from 2/312004 to 11111/2004, placed by the licensed agents of InsLogic Corporation ("InsLogic"), an affiliate of Capital One Bank, Capital One, F.S.B. and Capital One Financial Corporation (collectively, 'Capital One"). " You will receive quotes from top insurers awarded high ratings by A. M. Best Company, the insurance industry's leading independent analyst. Capital One auto Insurance is brought to you by Capital One Insurance Agency ("COIA"), an affiliate of Capital One. COIA Is a licensed insurance agency and provides all information regarding available insurance products. Insurance products are provided by non-affiliated participating insurance companies. Applicants are individually underwritten and not all applicants will qualify for insurance. Not all insurance policies and product features are available In all states; this is not an offer or solicitation in any jurisdiction in which the policies or product features are not approved for sale. Capital One does not provide, endorse, or guarantee any third-party product or service shown here. INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF, OR GUARANTEED BY CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC, ANY FEDERAL GOVERNMENT AGENCY OR CAPITAL ONE. Your decision to purchase insurance and your choice of an insurer or agent will have no effect on your eligibility for any Capital One product or service. Ratings reflect A.M. Best's current opinion of each insurance company's financial condition and are subject to change. Ratings are not an expressed or Implied warranty of any insurance company's ability to meet its obligations. ® 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. o? (OWN K N N u'i The Deal You've Been Waiting For... MOTOROLA FREE?R V3 al6u rehe7e and7-yearaerHce agresnront > FREE* Wireless Camera Phone > BONUS Free BluetoothO Headset ($60 Value) > FREE Shipping & Handling LimiteACTNOW d Time Offer }C cingular WIREFLY for Capital On raising thebar,..dl' The wtrebas supffstore Cardholders r 003 PLATINUM MASTERCARD ACCOUNT SEP 28 - OCT 27, 2005 i ? bHassle 5178-0522-0067-0905 Page 1 of 1 REWARDS Account Summary Payments, Credits and Adjustments Previous Balance $2,149.01 1 26 OCT Cap 1 ElectronicPhonePmt AuthDate 26-OCT $100.00- Payment; Credits and Adjustments $100.00 Transactions $56.87 Transactions Finance Charges $26.71 2 01 OCT INTERSTATE 83 DINER &717-2663639 PA $13.29 New Balance $2,132.59 3 02 OCT PETRO STOPPING CENT MILTON PA 15.00 Minimum Amount Due $63.00 4 26 OCT PAY-BY-PHONE FEE 10 00 Payment Due Date November 26, 2005 5 27 OCT PAYMENT PROTECTION 1-888-527-6904 . 18.58 Total Credit Line $2,200 Total Available Credit $67 41 You have earned a cumulative rebate of $1.86 as of your SEPTEMBER statement dosing . Credit Line for Cash $2 200 date. Remember to use your Capital One account to take advantage of the great purchase , Available Credit for Cash $67.41 rebate program! We appreciate your business and you deserve great benefits. We'd like you to know that your At your service Platinum card benefits have been updated. For details, visit www.capitalone.com/creditcards and To oill Customer Relations or to report lost or stolen nrd: a dick on the Guide to Benefits link. Thanks for choosing Capital One. 1-800-903-3637 Send paym-u to: Send inquiri to: Attn: Remittance Processing Capital One Bank C44W One P.O. Box 790116 P.O. B. 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Twelve unsung heroes of college athletics are competing for the honor of Capital One National Mascot of the Year - and you can help decide who wins! Each week, the mascots go head-to-head in competition, but only one will win the coveted title and $10,000 for their school. Go to capitalone.com where you can vote daily for your favorite mascot - and don't forget to tune in to the Capital One Bowl on ABC on Monday, January 2, 2006, to we who wins! F'mance Charges Plerueree masse ri&* important information Bale en Me Penodu C pmdrrsg FINANCE pfdiedro I'd, .fPR ?I?/{I2GE to PURCHASES $1,639.62 .04082% 14.90% $20.08 CASH $541.24 .0408296 14.90% $6.63 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2132590100000063000 New Balance $2,132.59 Minimum Amount Due $63.00 Payment Due Date November 26, 2005 Total enclosed $ 1 :1 Account Number: 5178-0522-0067-0905 Capital One Bank P.O. Box 790216 III11111II111II1II111I St. Louis, MO 63179-0216 III IIIIIIIIIIIIII VIII VIII I111I II II IIIIIIII IIIIII IIIIII IIIIII Ptearepnitmalirsgaddn anb e-+naiI'Amerbel uindblworbl-k4nk Street City S.. Home Phone Altemate Phone #9030156678636510# MAIL ID NUMBER HAROLD M STEENBURG 1 729 SOUTHERN DR a CATAWISSA PA 17820-8412 a _ ? IIII IIIIII III IIIIIIIIIIIIIIII VIII VIII IIIIIIIIIIIIIIIIIIIIIII Pleare ?niteyora o wunt number on your check or money order madepayable to Capital One Bank and mail in the m1wedenwlope. Apt Y ZIP r FREE*RAZR V3 afiermhowand2-yearacrnicr.a ement Motorola RAZR V3 phone includes: >Digital Zoom Camera >Bluetooth Capability >Built-in Speakerphone >Ultra-Thin Compact Design Cingular Wireless Plans include: >Unlimited Mobile to Mobile >FREE Nationwide Long Distance >No Roaming Charges >Rollover Unused Anytime Minutes (A feature specific only to Cingular Wireless!) 8 O I O 0 t` N ? Order Today! Call 1-800-973-0691 Or Visit www.wirefly.com/capitalone a X cingular WIREFLY raising tie bar-di" The Wkelseasuperstone Plane free after mail-in rebate. This otter is hlltiled by InPhonic inc., an authorized dealer for Cingular Wireless. Offer a A"'i or detlsg, orbMIs avaNable to customers adNaltg a new Ikre of service on a txro year contract -;p- rguler Wirele85. Not all Ul marIOB are eefyetl by Clpuler Wgelesa. d you era not m a C'urg?ar Wireless ales you wiA alalhar geaf offs tram aroma Major ytudees ampary. Ogler restricliarN a{ply, see fill otter fa dtdads. Offer November s, 2005, Offer nay vary. CF tta 9inPlic icon, Rdbver and FamiyTalk are fe9ietereO tratlemafka heless, LLC. liaising Bar and tie graphic hen are service marks of Cirtgltar Wireless, LLC. Cktgulef me cingular NArelass bgb are trademarks or regisered trademarks of Cingbar YRreless LLC. ® 2005 cingular winless, LLC. All rights reserved. InPhonic-, Cingular• and Wireflya are responsible for this offer, and are not affiliated with Capital One. Capital One does rat provide, endorse or guarantee, and Is not affiliated wlth, any product or service dawn here. Any trademarks marhtioned herein are sdely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product -fix example, that you are a Capital One customer. 0 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. ppeerack rate. To obtain the average dally balmce for the bieinp peried covered by this statement, we take the begires ng balance of each xpneht each day, add any new I.-cdons to each segment, and au .. amy payments or credits. (if the code N appears on the from of this ammmert next to 'Bar.- Rate Applied To, we I- subtract any retired finance charge included In the balance of each se.) This gives us the dairy balance of each segment. Than, we add up all the daily balances for each segment for the billing period and dvlde by the total number of days In the billing peeled. This gives us the average dally balance of each segment. 3. Araaal Pasatage flaps IAPRI. entage Rate' may appear as a. The term 'Annual Perc 'APR' on the from of tlis statement. b. If the code P (Prime), L (3-mo. LIBOR). C (Certificate of Deposit), OF S (Benkcard Prime) apiraten on the from of this statement next to the pamodie (s), the pematc rates and corresponding ANNUAL PERCENTAGE RATFS may vary quenedy and may increase or decrease based m the sated Indies, as found In The Was Street Joumaf, plus the margin ppreviauly disclosed to you. These dhogaa wig ba ettectlvo c the trot day of your atling period covered by year pedodc stnemem ending In she months January, April, July, and October. c. If rte code D (Prime), F (1-mo. LOR) or 0 (3-mo. LIBOR Reprised ManNy) appeau on the from of your arotemerrt If to tine pedo6c role(s), like perlodc false and uxxreapahdnp ANNUAL PEACE AGE may very rtanddY anndd may Iroreese or decrease __r stated indices, as land kh The WeU Street Joamel, Plthe margin Pro. my diadased to yw. Theae changes will ba effective on the fist Bey of your titling Period each month. 4. Assessment of Late, Ovrinhi and Returned Payr m Frs. Your account will be assessed no more than two of the sees listed here that occur during any billing period. Under the terms of your customer agreonem, we reserve the right to waive or not to aasesa any tees whhou[ got notification to you without walling our right to asxsa the same or similar fees et a later time. 6.tRaewig Yoa Asweht If a membership fee appears on the from of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the tee or to have such fee cradled to you if you cancel your account. During this period, you may continue to use your accent withou having to pay the membership fee. To cancel your account, YoDu must notify us by calling our Customer Rdatt-1 epartment and pay your 'New Balance' in full (e),cluding the membership fee) pd., to the end of the dlny-day period. 6. If You Clot Yo v Aoaarrt. You can request to dose yYour account by calling our Customer Reletias and mount access You must a, destroy cancel all your preaucreditthodzed razed l billing, and amount a usir usin your cease g your account. U you do net caned preautharized of a bl cha ling arrangements, wewig contuier relxlp rge your your to reopen our account. a . all amounts acc secaurn nt will ram be dyosed until you pay pay all amounts you owe including: any due transtactions fees, you have authorized, orized, finance ce charges, par due on ion fees, resumed payment fees, cash advance i.e. ees and any other fees assessed to your accent. You are responsible for these amounts whether they appear on your account n the time you request to close the at- or they ere Incurred subsequent to your request to dose the accent. This may result in charges appearing on your accent after you have your secant if it has already been dosed. For example, if you aWerized a purchase from a merchant and we modes the transaction from the mort ant after your account has been closed, your accent will be reopened, the amain of the charge will be added to your accent, and you will be responsible for payment. If dare is a membership fee for your accerre, the fee will continue to be t armd, to tie ernem permitted by law, tst1H the ac. rt bellartca has been Paid In fW as defined above. 7. =Y ou Aeoowsi a card or accent canoe be carhacmbn with my Ynemet gambling tra .-tiore. e. Nodoe Abet Elaotrorio peak Conversion. When, you provide a check as payment, you authorize us alther to use infomhetion trans fromfer fr yotrom deckyour rin to makek accent no pmeer the pa groce the payment as a check transaction. When wa rase ywr cock to make an electronic ford ,=r=In may be waMrawn hen yea bank account as soon as de sane day we meows ou Peymerm, and you vviY rot receive your deck ybeck from your Mrencel kati= BILLING RIGHTS SUMMARY (in Caw 01 EMM OF Questions About Your Bon you think your bill I ong, or if you reed more Iniamatien en a transaction on or bill, wake to us m a separate sheet as soon as possible at the address for inWdee shown on the from of this statement. We must hear lnorht you no later than 80 de after we eon you the first hill onwlhich the error or problem appeared. you cen rat call our (]stoner Relations number, but doing se will Preserve your rights. In your letter, give us the following nfametion, your home and account amber, the dollar amount of lire suspected error, a description of the error and an erplahotion, It possble, of wilyy yes believe then is an error, or it you need more Intomatlon, a description of the Item you are uraure ahem. You do not have m Pay any amount In question vMNe we are Investigating It, ion you re still obligated to pay the pang of your bill that are not in question. ;Ale we Invergete your question, we carrot report you as deenclu-1 or take any action to coilen the amount you question. 4,t Speed Rule For Credit Card Purchases If you have a problem with the quallty of property or services that you purchased wfth a credit card and yvw have tried In good faith to coned the problem with the merdhent, you may have the don rot to pay the remaining son-t due on the property or xMcea. Vou have this rice was more than protection only when the purchase 360.00 and the Wrthax was made in your home sate or wkhin 100 miles of your maigrg address. (If we own or operate the merchant, or if we mailed you the adyeNaemem for elks Property a s, all Wrc asse are covered regardeea of amour or location of purchase.) Please remember to sign all correspondence. t Does not apply to consenter i -crodit card accounts t Does rot apply to business mar-credit card accoants One auPpona tnfortnadm privacy protection: we our at www.cap'talone.can. One is a federally registered service mark of Capital oncial Corporation. All node reserved. a 2003 One 01LGLBAK 1. Flow To Avoid A Fnmsa Charge. ta. Grass Paled. You will haw a minimum grace period of 25 days without finance charge on new purchases, new balance transfers, new special purchases and new other charges if You pay your teal 'New Balance', in accerdarce with the Imponott Notice for payments below, and in time for it to be credited by your next statement doalrg date. There Is In grace period en cash advances and s trar t lion If t he grace period on my y trensectlon If you do rot addition, tiara o pay the foal 'New balance.' b. Aaaraig Hausa Chags. Transactions which are rot abed to a grace period am exeased H-- large 1) from the date of the transaction or 2) freer the date the transaction is proceed to your Accent or 3) from the first cderder Bey of the cumrnt bill' ppeeriod. Additionally, if Wu rid rot Pail the 'New Bdarcefiam the previous hilurg Pared ih fill, trance ch. atdnze to acme to your unpaid balance ur" the ulpald balance is paid in kill. This means that you may sti1 owe trance c erges, even if Yen Pay the entire New Balance indrated on Vhe hox of your stmemem W the text amtemern coakg date, burt did not do w for the p-A- morph. Unpaid Ana ce dergr re added to the =r=.h et of Account. tc. kitirsem Rnaros bllllrg period that your acceum le abject to a Mance Barge, a mWmuan told RNANCE CHARGE of $0.60 will be knpaaed. If the total finance, ea from the flan of r pedodic rate( s) Is leas that 30 .60, we 1 atbtmtx flat aroarm from the 90.50 mi imun and the differohce wig be baled to the pumlax segrsntt o=; accarr. td. Twpsrml Redlatim it F- anrgs. We F. -the risk[ to not access any w all Mnance, charges for any given b. ppeeriod 2. Avb ad 9a Belaee Ikskdeha New P rdasssl. e. Finance charge is calalsted y multiplying the daily balance of each segment of your account (e.g., rash advance, Purchase, special transfer, and special purchase) by the correepadng daily pedodc rate(s) 1Mt has been prevkmty claduaed to you. At the end of eedn do d y uring the billing pamo4 we aPPh' the daily pedetc rate for each segment a your accent rode dally balance of eeM segment. Then at the end of the bung period, we add up the mailts of these daily ralaietione to arrive at your petinde firnanc?e Barge for each gnom. We add up the reetlrs from eeen sagnlrlt to arriveaeat the [std peri odic fihonce charge for voter account. To get the dally Itdate for each segment of your acceuh[, we take the bagrWrg balance for eetlt xgnem and add anyy few Fro nsaetions and my periodic firerce cargo raluxlated on the previous days balance for that segment. W, den aubtrect any paymmb or credits posed r o Be f dst y in are allocated to cat aegnon. TNa ghvoa ns the sepaatethdeny balaroe for each xgned of your ascent. However, If you sold the Now Balance shown on your pavlova .=. in I for If your now balarce was zero or a credit amontm), now trmrct)as whit poor to your WmJnase or spedd purcax =;` net added to the dairy bee ces. We celalate deny bdace by adding rip the daily balances together and dividing the sun by the number of the days in the ownmt biting cycle. To calculate your tad finonx Barge, rttrdplY Your average defy balsas bV the daily pedodc rote and by tie number of days in the bilfirg period. Due to raving m a dally basis, there may be a slight variance between this calculation and the amount of thence Barge actualy aaaead. b. If the code 2 cr N appeal m the from of this raiment reo to 'Belarca Rae Applied To,' we nultiply the Irrpatat Ntrtlw: Pas you mall to ua will be credited to your auxxtrht as of mha buutnesa day we rocdvo it, Provided (1) you acrd tie bottom potion of this statement and your deck In the enclosed ,=em envelope aM (Z) your payment I. received In our yroceaaMg uxmof by 3 p• ET (12 noon PT). Please allow at least the (5) butnoas d.ya for postal tlegvery. buWacs days are Monday thrwyh Saturday, excluding holidays. Payments received by . n any other location or In any other form may rhot be cmditod as of the day we resolve them. Our Please ed rot see staples, pap=r, etc. preparing your peyman. When Y. antl uc a check(s), you eutiemze us to make a ae-uma olectralc transfer debh Iran your bank accord fa tfa amard of tha his authorization apglea to ail shacks receved tknng the billing eyrie even d earn by sanaere ale. If we carrot prorxar the transfer, you authorize me to map a charge against your bank accord using the check a paper draft or other hem. OR MORE ON AUTO INSURANCE WITH ONE Capital ; tj1cK PHONE CALL ??NoHassle REWARDS" Account Summary Previous Balance $2,180.76 Payments, Credits and Adjustments $100.00 Transactions $28.61 Finance Charges $24.92 New Balance $2,134.29 Minimum Amount Due $64.00 Payment Due Date April 27, 2006 Total Credit Line $2,200 Total Available Credit $65.71 Credit Line for Cash $2,200 Available Credit for Cash $65.71 At your service To call Customer Relations or to report a lost or stolen card: 1-800-903-3637 Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Please review the enclosed privacy information and retain it with your account records. Also visit www.capitalone.com/creditcards and click on the Visit the Guide to Benefits link to learn about your latest Visa. or MasterCard. account benefits. The descriptions in this online guide replace any information you received in the past. For a printed copy of the Guide to Benefits, call the Customer Relations number on the back of your card. PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 See reverse for details--p- FEB 28 - MAR 27, 2006 Page 1 of 1 Payments, Credits and Adjustments 1 24 MAR Cap 1 ElectronicPhonePmt AuthDate 24-MAR $100.00- Transactions 24 MAR PAY-BY-PHONE FEE 27 MAR PAYMENT PROTECTION 1-888-527-6904 $10.00 18.61 Finance Charges Please see reverse ride for important information Balance rate Periodic Corresyonding ,9cp&dto rate ,PPR WISE PURCHASES $1,642.26 .0408296 14.90% $18.77 CASH $537.69 .04082% 14.90% $6.15 ANNUAL PERCENTAGE RATE applied this period 14.90% V PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 5178052200670905 27 2134290100000064004 Please p=t mailing address and/or e-mail changes below wring blue cr black ink. New Balance $2,134.29 Minimum Amount Due $64.00 Payment Due Date April 27, 2006 Total enclosed $ Account Number: 5178-0522-0067-0905 Street ApL k City State ZIP Home Phone Alternate Phone Email Address "Savings amounts are based on insurance premium information provided by purchasers Capital One" does not provide, endorse, or guarantee any third-parry product or service of insurance through a similar program, from 01/01/2005 to 06/3012005. shown here. Insurance products are not deposits or other obligations of, or guaranteed by Capital One or an affiliate of Capital One, and are not insured by the FDIC or any InsLogic is a program of, and insurance services are offered through the licensed other United States agency or Capital One. Your decision to purchase insurance and insurance agency affiliates of Answer Financial," Inc., Insurance Answer Center,' Inc. your choice of an insurer or agent will not affect your eligibility for any Capital One (California License No. OB99714), Answer Center Insurance Agency, Inc. and through product or service. other affiliates. Answer Financial is not an insurance company- Insurance plans and services are from insurance companies and other licensed insurance-related providers. Any trademarks mentioned herein are solely owned by the respective entity. All rights Not all products available in all states. Rates subject to change. reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital One customer. gays. t a. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transfers, new special purchases and new other charges if you pay your total "New Balance", in accordance with the Important Notice for payments below, and in time for it to be credited by your next statement closing date. There is no grace period on cash advances and special transfers. In addition, there is no grace period on any transaction if you do not pay the total "New balance.' b. Acauig Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date of the transaction or 2) from the date the transaction is processed to your Account or 3) from the first calendar day of the current billing period. Additionally, if you did not pay the "New Balance" from the previous billing period in full, finance charges continue to accrue to your unpaid balance until the unpaid balance is paid in full. This means that you may still owe finance charges, even if you pay the entire New Balance indicated on the front of your statement by the next statement dosing date, but did not do so for the previous month. Unpaid finance charges are added to the applicable segment of your Account. t c. Mi irraxn Finance Charge. For each billing period that your account is subject to a finance charge, a minimum total FINANCE CHARGE of $0.50 will be imposed. If the total finance charge resulting from the application of your periodic rate(s) is less than $0.50, we will subtract that amount from the $0.50 minimum and the difference will be billed to the purchase segment of your account. t d. Temporary Reduction in Finance Charge. We reserve the right to not assess any or all finance charges for any given billing ppeeriod. 2. Average Daiy Balance (Including New Purchases). a. Finance charge is calculated by multiplying the daily balance of each segment of your account (e.g., cash advance, purchase, special transfer, and special purchase) by the corresponding daily periodic rate(s) that has been previously disclosed to you. At the end of each day during the billing period, we apply the daily periodic rate for each segment of your account to the daily balance of each segment. Then at the end of the billing period, we add up the results of these daily calculations to arrive at your periodic finance charge for each segment. We add up the results from each segment to arrive at the total periodic finance charge for your account. To get the daily balance for each segment of your account, we take the beginning balance for each segment and add any new transactions and any periodic finance charge calculated on the previous day's balance for that segment. We then subtract any payments or credits posted as of that day that are allocated to that segment. This gives us the separate daily balance for each segment of your accent. However, if you paid the New Balance shown on your previous statement in full (or if your new balance was zero or a credit amount), new transactions which post to your purchase or special purchase segments are not added to the daily balances. We calculate the average daily balance by adding all the daily balances together and dividing the sum by the number of the days in the current billing cycle. To calculate your total finance charge, multiply your average daily balance by the daily periodic rate and by the number of days in the billing period. Due to rounding on a daily basis, there may be a slight variance between this calculation and the amount of finance charge actually assessed. b. If the code Z or N appears on the front of this statement next to "Balance Rate Applied To," we multiply the Q? m? V periodic rate. To obtain the average daily balance for the billing period covered by this statement, we take the beginning balance of each segment each day, add any new transactions to each segment, and subtract any payments or credits. (If the code N appears on the front of this statement next to "Balance Rate Applied To," we also subtract any unpaid finance charge included in the balance of each segment.) This gives us the daily balance of each segment. Then, we add up all the daily balances for each segment for the billing period and divide by the total number of days in the billing period. This gives us the average daily balance of each segment. 3. Annual Percentage Rates (APRI. a. The tens "Annual Percentage Rate' may appear as "APR" on the front of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appears on the front of this statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quartedy and may increase or decrease based on the stated indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes will be effective on the first day of your billing period covered by your periodic statement ending in the months January, April, July and October. c. If the code D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appears on the front of your statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes will be effective on the first day of your billing period each month. 4. Assessment of Late, OvwNn* and Returned Paymarrt Fees. Your account will be assessed no more than two of the fees listed here that occur during any billing period. Under the terms of your customer agreement, we reserve the right to waive or not to assess any fees without prior notification to you without waiving our right to assess the same or similar fees at a later time. 5.tRenewirg Your Account. If a membership fee appears on the front of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your account. During this period, you may continue to use your account without having to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Department and pay your "New Balance" in full (excluding the membership fee) prior to the end of the thirty-day period. 6. If You Close Your Account. You can request to close your account by calling our Customer Relations Department. You must destroy your credit card(s) and account access checks, cancel all preauthorized billing, and cease usin9. your account. If you do not cancel preauthorized billing arrangements, we will consider receipt of a charge your authorization to reopen your account. Additionally, your account will not be closed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, past due fees, ovedimit fees, returned payment fees, cash advance fees and any other fees assessed to your account. You are responsible for these amounts whether they appear on your account at the time you request to dose the accent or they are incurred subsequent to your request to dose the account. This may result in charges appearing on your account after you have your account if it has already been closed. For example, if you authorized a purchase from a merchant and we receive the transaction from the merchant after your account has been dosed, your account will be reopened, the amount of the charge will be added to your account, and you will be responsible for payment. If there is a membership fee for your account, the fee will continue to be charged, to the extent permitted by law, until the account balance has been paid in full as defined above. 7. Using Your Accourt.Your card or account cannot be used in connection with any Internet gambling transactions. B. Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check to make an electronic kind transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. BILLING RIGHTS SUMMARY (In Case Of Errors Or Questions About Your Bill) If you think your bill is wrong, or if you need more information on a transaction or bill, write to us on a separate sheet as soon as possible at the address for inquiries shown on the front of this statement. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can call our Customer Relations number, but doing so will not preserve your rights. In your letter, give us the following information: your name and account number, the dollar amount of the suspected error, a description of the error and an explanation, if possible, of why you believe there is an error; or if you need more information, a description of the item you are unsure about. You do not have to pay any amount in question while we are investigating it, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. t,t Special Rule For Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. You have this protection only when the purchase price was more than $60.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all correspondence. t Does not apply to consumer non-credit card accounts t Does not apply to business non-credit card accounts Capital One supports information privacy protection: see ou website at www.cappnitalone.com. Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved. a 2003 Capital One 01 LG LBAt 063 Capita/QW what's in your wallet?' HAROLD M STEENBURG It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. Keeping your credit in good standing can WHOOPSm do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) m 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rigbis reserved 053-08106 Account Summary 1, 1NO Has* REWARDS Previous Balance $2,134.29 Payments, Credits and Adjustments $.00 Transactions $88.34 Finance Charges $27.42 New Balance $2,250.05 Minimum Amount. Due $131_00 Payment Due Date May27, 2006 Total Credit Lime $2,200 Total Available Credit $.00 Credit Line for Cash $2,200 Available Credit for Cash $.00 At your service To mll Customer Relation: or to report a lost or stolen card 1-800-903-3637 Send payments to: Send iruluiriss to: Attn: Remitmnoe Proo-g Capital One Bank Capital One P.O. Box 790216 P.O. B. 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 MAR 28 - APR 27, 2006 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment, Please accept our thanks. Transactions 1 07 APR WEST COAST VIDEO #1615 LEWISBURG PA $13.49 2 13 APR WEST COAST VIDEO #1615 LEWISBURG PA 20.55 3 27 APR PAST DUE FEE 35.00 4 27 APR PAYMENT PROTECTION 1-888-527-6904 19.30 Yoty account is one, payment behind. Remember that making your minimum payments by the due date, keeps your account in good standing. When you miss a payment, late fees start adding up. And nob idy wants that. So make sure you send in the minimum amount due on your statement to keep your account in good standing and to keep from paying exnas fees. You were assessed a past due fee of $35.00 on 04127/2006 because your minimum payment was not received by the due date of 04/27/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Futance Charges Please see reverseside for important information rn Ba/ rare Period. C sponIng ME N ppliedto rote APR PURCHASES $1,627.6S .04082% 14.9096 $20.60 CASH $S38.90 .04082% 14.9096 $6.82 ANNUAL PERCENTAGE RATE applied this period 14,90% PLEASE RETURN PORTION BELOW WITH PAYMENT GRW 0000000 0 5178052200670905 27 2250050100000131009 New Balance $2,250.05 Minimum Amount Due $131.00 Payment Due Date May 27, 2006 Total enclosed $ Account Number: 5178-0522-0067-0905 Capital One Bank P.O. Box 790216 Itlult,tlltlt,lltt,11 St. Louis, MO 63179-0216 IdhtnlhttJlLttlhLPubttt6lttlLlluutlhlhJtth Place writeyosv aaoant number on you P4osepr4rst 'reg... .Jl r-mai/Asnt W uing b! orbi-ki..E Apt # Gty Smu ZIP Home Phone Alwute Phone #9011856678636518# MAIL ID NUMBER HAROLD M STEENBURG .. 729 SOUTHERN DR N CATAWISSA PA 17820-8412 ° ?? httllLttlLdtitLllLttLJtdttLtJLtLLtLIItLttlhtl check or money order rnadepoyable to Capital One Bank and moil in the endwed envelope. r 1, How To Avoid A Fnrroe Charge. -- t a. Ones Period. You will have a minimum grace period of 25 days Athout finance charge on new purchases new basree transfers, now special purchases and raw Doer B? hceY_ pay total 'New Balance', in end in time for it tob. c redited for peymenta below, dosing date. Them I. ro your rvna atatemmt gram period on rash ad- and special t re. In addition, them is he grace period any nY trersa:tlcolon on if f you do not pay ay the tool 'New belarae.' b. Moving Fihrme Charge. Transactions wflch are not abJect to a grace period are assessed M_ chege 1) from the date of the tra srsion or 2) from ma date tie tr.Son I. processed to yen Acmnt or 3) item the firm calendar day of the aamerv bppnp period. Additionally, if you did not pay the 'New Balance from the preview bling period in full, finance charges cendrvse ta ammo: m your upaid balanCO until the unpaid balance is paid in full This meane that you may still owe finance charges, even if you pay the entim New Balante uhdcated on the from of stotersam ? t? dal next wormo ore closing date, but rid we added f the pro Nesa month. Unpaid Move dhargea aepnato of yeta Axwt. tc. atlrhkrarrh Fknrae .Fur each o a M1hnc?abicieng W7. 1,d that you account I. m4ect t minimum total RNANCE C}1ARGE of $0.50 will be knpteed. If to total finance charge restatlrs from the application of your Periodic rate(s) fa lees then 30.50, we will sbtroct th amount from the 00.50 mWmtm and the difference All be billed ta tine pum7hma segment of your accent. td. Tesrprry Reduction in Ranee Charge. We reserve to right to not assess any or all finance charges for any given bn:p ge oily g period 2. Avra BW- f aaktlis New PraMss 1. a. Rnarv:e charge fa CoWated by multiplying the daffy balance of each Segment of your account (e.g., cash advance, purchase, Special transfer, and special pundax) by tine cerreaponopng daily Periodic rate(s) that has been pro viotily dadoeed to you. At the end of each Maly dI to bH1; period, we apply the dopy pedodc rate for each Segment of your axerH to the dally balance Of each segment. Then art the end of the tiling period, we acid up the resits of terse dopy caleletiprs to anive St r periodic firorvs cherpe for each eepnax. We add ill the matte from each segment to arrive at the total riodic firsnce change fOr gar ar?oun. To get to dailypebalane for each segment of Your mCOU t, we take tho beginning balance for each segment and add ew new, tranaectiore and any ppeeriodic finance charge ce wed on the preview rya halerae for that aetjhhont. We tan Subtract arty peymema a credta pteted as of tat day =act allocated to tat segchernt. 7Ns gives u the aaperato dally balance fw each aegnotv of Yoe Smoot. However, if you ppaeid the New Balarea shown on yon- proNou a statement in ftN (or ifayour ons - balance which wea - or a credit amount), new =.w urcase ot Spada purchase segnenta aokled to Ube dairy halaaes. we calculate the avarege, daily balance by ahbg all the daily balances together and divhdng the Starch by the 0-s, of the days in the am ono bhpkg cycle. To cel.m yea total firs rae carpe, rn1tiPIY Your average MY. balance by the tlally?oic rte and by the nmhor the billing ped Due to rounding on a dally basis, there may be a apgnt vaderae between tda calculation and the smart of flrhernce dha arnsapy asaeeaed. b. If the code Z o N appear m to from of Ma statement next m 'Balance Rate Applied To,' w. multiply the 8 O Oyu N? begiming balance of each Seaman each day, add any new tnarsacfions to each Segment, and Subtract ary payments or credits. (If the code N appears on the fmrt o this Statement nsM to -Balance Rate Applied To,' we also Subtract any unpaid finance charge included in the balance of each xgmet.) This gives us the daily balance of each aegnem. Tian we add up all the dally balances for each aegmont for the billirp period and divide by the teal number of days In the Nlpng period. Th. gives ea the average daily belaxa of each aegmont. 3. Amin Paroar y Rags CAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR' on the front of tlia Statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), OF S (Bankcard Prime) appears on the tram of this Statement roM to the Periodic rate(s), Us, periodic rates and xmeapondinp ANNUAL PERCENTAGE RATES may vary quwnedy and may increase or decrease based on the Stated irdibse, as farad in The Wets sweet Jotrnsl plus the margin otaly disdosed to you. These c arges All be effective on the firm deY of your billing Period covered by your parl. statement erring in the months January, April, July and October. c. If the code D (Prime), F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced MontNy) eppaars on the from of your raiment next to the pedodc rate(s), is pedodc rates and xrreapandnq ANNUAL PERCENTAGE fbATES may vary montNy arnndd maY increase or decrease based on he stated indices, as food in The Wall ""w '_/, plus the margin preciously dacbeed to you. Tlnece charges All he effective on the first day of your billing period each month. 6. Asseseenest account of Late, hi arsi ha - of a fees chem that be assessed ringany no more ore than n two of cis fees limed hem that Occur during any billing period. nder the terms of your customer agreement, ho reserveU the rign to waive or not to assess any fees without prior scion to V Athout weiNrg our right to sasses the same me or or similar fees at a later time. 6.1Rerhevig Yov Aeaeam. If a membership fee appears on the from of this atmemem, you haw; 30 days from the date this Statement was mailed to you to avoid paying the tee or to have such fee credited to you it you cancel your accent. During this period, you may continue to use your accent without hawrg to pay the membership fee. To ceroel your accent, you moat notify us by calling our Cumomer Relations Department and pay your 'New Balance' in full (excluding the membeuhip ice) prior to the end of the tNny-0ay period. 6. N You Cl.. oYana Amount. You can reoucost to close your account by calling Our Customer Relatlona Department. You must destroy Your credit card(s) and accent access checks, cancel all preaulhorized billing, and cease using your account. If you do ne=Z, preamhorized bdlirg arrangements, we All eceipt of addl charge your authorization to reopen your axom. Aienal" your accent will rot be dosed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, Pas due fees, ovedimit fees, reumed payment tees, cash advance fees and any nthar is" assessed to your accent. You are responsible for these amounts whether they appear on your accent at the time you request to close the accent or they au incurred subsequent to your request to dose tie amount. This may resit in charges appearing on your account after you have your acc tart if it has already been dosed. For, sample, if you auaterized a p:, udsee from a merchant end we receive the ecdtram the mercant after your accent has been dosed, your mcou t will be reopened, tta amount of the charge will be added to your aocotrv, and yyoouu will be reapareble for payment. If them ha a mbeallp fee for your Smarm, the fee will continue re be charged, to to extent ponnitted by law, until the cceuht balance hear been pakl In fill ea defined above. 7. thig Yen Aaaervt.VOa card or account carat be wed k x r _d. wt h any knamat gambling trarxnlors. 8. N d.- Ali. - --otroMa dusk Cower les. When you provide a dock as payment, you authorize us either to ties, hfomadon from your deck to make a one-tine electronic had transfer from y- bank arcerr or te process the Payment as a check transaction. When we use inforrstim from your Mack to make an electronic had transfer, Grab may be Addy- from Your bank accent as soon ss the cam day wereceive yam payment, ad yea will not re 0 hve yea chxk back from your Mandal Institution. BILLING RIG14TS SUMMARY (In Case Of Encore Or Guestlors Aber Your Bill) It you lhwlt your hill Is wrong, a If you reed more Informatlon on e tareactlon a bill, write to us On e separate sheet as soon as possible at the address for mcitmies Shown on the from of the statement. We must hear from You no later than 80 de after we sem you the firm bill on Rich the error Sur problem appeared. You can call our Customer Relation number, but doing so wig not preserve your rights. In your letter, give us the following formation: your name and account nrrber, the dollar Sun of the suspected anon, a description of the .nor and an explanation, if possble, of vfiy Y'ou believe there is an error; or if You need more Information, a description of the hem you are umase about. Vou do rot have tX= ny amount in queStlon while we are inveetI If It, re l obligated to pay tha pane of your hill that are rol In quresdon. While vre Mvestlgete your question, we cannot repot you as delinquent or t ice any scrim to collect the amount you question. t,t Special Rule For Credt Card Purchases If ycu have a problon with the qualit"of, rty a aervicea that you purdased vdtlh a ccard end you have tried In good isith to correct the problem with the merchant, you may hove the Fight not to pay the remaining amount tlus on the p ray or services. YOU have this protection oily when the purdsae price was more than 350.00 and the purciheee was made in your home state or within 100 milca of your mafihg address. (if we own or operate the merchant, or if we mailed you the advertisement for oho ProDeny Sur ,rv,= all purchases are covered regardess oft amount or location of purchaee.) Reese remember to aigrt all coneapaderoe. t Does not apply to consumer tan-credit card accounts S Does not apply to business non-credt card accounts atpporlw infonnaton Pdvacy ProtSCtion: sea our vww.caapptalorna.com. is a tedarally req???red meservice mark of Capital tl Corporeticn. All rights rearved. a 2OW 01 01LGLBAK Irrportrm Flodoe: Paymana You mail to ue All be croolmd to your account as of iha buwirsss day we receive it, provided (1) you send the brthotn portion of this eatSan and your deck in the endowed remittance envdapo and (2) your paymam la racelI in w procassirq tamer by 3 p.m. ET (12 noon PT). Rase allow at lean five (5) budress days for Postal ddlvery Paymam$ received by us at any Suter location or in enY Doer form may not be creditod as of the day we receive them, Qr business days are MedaY tltrouyt Saturday, a-*,2ng bell ye. Reass do rel use espies, paper d'ir, etc. when preparirp your payment I. When yyoauu send taw a deck(e), you authorize taw to make Sono-time elec[rarvc trarster debt frpn your bank .. for the Smarm at the deck STNS authorization applies to Sup decks eceived durirq tha billirg cycle even if sec by reene else. If we cannot praess the tunsfer, you authorize us to ..its a charge against your bank account [sing the check a paper draft or other hem. 596748 HAROLD M STEENBURG, walk into the dealership with your financing in hand! Get auto financing with no down payment required in just 3 easy steps: Visit us online 2 Head to the dealership 3 Drive home in your or call. with your Approval Document. new car or truck Simply apply online at 1 or call 1-800-304-4854 Monday-Friday, 7 a.m.-10 p.m. and Saturday, 7:30 a.m.-6 p.m. (Central time) CROM'Ut Account Summary Q?NoHassle REWARDS" Previous Balance $2,250.05 Payments, Credits and Adjustments $134.42 Transactions $99.32 Finance Charges $50.75 New Balance 52,265.70 Minimum Amount Due $67.00 Payment Due Date June 27, 2006 Total Credit Line $2,200 Total Available Credit $.00 Credit Line for Cash $2,200 Available Credit for Cash $.00 At your service T. all Customer Relations or to report a lost or stolen raid: 1-800-903-3637 Send payments to: Send inquaia to: Attn: Ra tittimm Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 8413(}0285 PLATINUM MASTERCARD ACCOUNT APR 28 - MAY 27, 2006 5178-0522-0067-0905 Page 1 of 1 Pay ments, Credits and Adjustments 1 29 APR THANK YOU - HERE'S YOUR ANNUAL REBATE $3.42- 2 15 MAY Cap 1 ElectronicPhonePmt AuthDate 15-MAY 131.00- Transactions 3 15 MAY PAY-BY-PHONE FEE $10.00 4 22 MAY TURKEY HILL #0208 069 MILTON PA 20.95 5 22 MAY TURKEY HILL #0208 069 MILTON PA 36.32 6 22 MAY WEIS MARKETS #7 SHDSHD MILTON PA 12.51 7 27 MAY PAYMENT PROTECTION 1-888-527-6904 19.54 As of 05/27/06, your current No Hassle Rewards balance is $.00. Please note that rewards information reported here may not reflect all purchases on this statement or recent redemptions. Simply go online to..capitalone.com/cashrewards when you are ready to redeem. "Important Notice" Under the terms we previously disclosed to you, some or all of your Annual Percentage Rates (AP.Rs) have been increased since your account was past due twice in the past 12 billing cycles. Remember: if we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non- Introductory A.P.R. -important Notice" Your account was past due on your December billing cycle. If your account is past due again, your Annual Percentage Rates (A.P.Rs) may increase to the Default Rate, as previously disclosed to you Finance Charges Pkare see reverie tide for important information B? ruf ti d? Period caa crag A CE FINAN?$ ?jjAjj ? e PURCHASES $1,690.88 rar .07575%D 27.65% $38.43 CASH $54102 .07575%D 27.65% $12.32 ANNUAL PERCENTAGE RATE applied this period 27.65% ? PLEASE RETURN PORTION BELOW WITH PAYMENT Gwp 0000000 0 5178052200670905 27 2265700131000067003 New Balance $2.265.70 Minimum Amount Due $67.00 Payment Due Date June 27, 2006 Total enclosed $ - 1 Account Number. 5178.-0522-0067-0905 Street Apt 4 Gty Sna ZIP li-, Phone Alumar< Phone #9014856678636515# MAIL ID NUMBER Capital One Bank HAROLD M STEENBURG P.O. Box 790216 Illluullllnlllnlll 729 SOUTHERN DR St. Louis, MO 63179-0216 .? s CATAWISSA PA 17820-8412 a IIIIIIIIIIIIIIIIII VIII IIIIIIIIIII IIIIIIIIII III VIII VIII VIII ? ? IIIIIIIIIIIIIIIIIIIIIIIIIIIIII II III II III IIIIIIIIIIIIIIIIIIII II Pleare write your account number m your check or money ender made payabk to Capital One Bank and mail in the entl-d-lope. Pl-epnxfm hxr a"vraab -niehmager bef-=,;g6l -41xk ink r Buy the car you want with no worries or hassles! You've been pre-selected for auto financing. • Competitive rates • No dealer credit applications • No down payment required Apply online at www.capitatonecar.com or call 1-800-304-4854 today and take the first step toward owning the new or pre-owned car you've always wanted! Personal Reservation Number for HAROLD M STEENBURG: Fall it th h.- See Important information regarding this offer. 0074058389-07506 MonidaYS-FridaY,s 7 a.m.e10 p.m. and Saturday, 7:30 &--6 p.m. (Central lime) Have this number available when you contact us. Ir(.orram Id-der: Aber der ofm Cemaln mndmom may apply'11w offrr u -=,1 X61 Ibu obi. u nor vdd w AK, HI and U.S.-drpevdenr recriroria. Pmgrvn rnvuuau apply. Aber y.. T. he di pi k for the off.' P. .."b. r flood sending (nor over limo or pct due) nu mY odieer twang C:apid 0- xmwhc You coon k.1-, 18 yeua d age. T. pmcm y-ppli non, your.eda hlm, wJl br eviead by Cpid One A.. I,-. sad mbar pea rcoring requiamrnn. Any b..k prcia -6- dic hunt d on 7... .din h.- Gray monthly in- man be a minimum of $1.500 for rids off. You man have . vahd mm _ addma -rhie the Unird Snm u do rime dconma APO, FPO ad P.O. B- adder- ue bar dipbk for chn .&, Abu. par fimmirtp Thr um d yam financing will be brad on mdir.M appliwi-i,ai.. paymene nay --d 12'!e-Ie%ril groat momhly;nwme. deer„ding nn cadir'rwl mower f road man be n loo $10,000. ? lam-to-vdue rarrimma WPIY Aber F6 +k6 Thu o&, b valid fn dl modeh 1997 ad newer. mduding D.- Ohkmobik, di.mminud abide lies and d-d Ku ud Suadd m.&k 71.. of a, is con valid for momrq I., .Nk hams, KVt, wmm ul m mlvsged -dud. and bout. 1-/Mileage tmrietlout >pply - rs apprnvd pad.V for de.Js. Vrhidr stun be owned and mainraioed in du United Sutra. 691006 C.0'.1 Ora Service, Inc Capiml Orv and 03pind One Aunt Fi.- art fd-dly rrgi-M rrniac anti.. Ul righn reserved 8 ; o d O o M ?W C3 N ppeeriodic rate. To obtain the average daily balance for the billirq period covered by this statement, we take the begimrg balance of each segment each day, add any new, transactions to each segment, and sbtract any Payment. OF credits. (ii the code N appears on the from of this matemerm next to ' Balance Rete Applied To,' we else subtract any unpaid finance dirge irhcluded in the balance of each segment) This gives us the daily balance of each segment. I hen we add up all the daily balatcea for each aegnmt for the blaing period and dviu@ by tie tout number of days M the bYlk a period. TNs give. us the v mgg.? dally balance of each segment. 3. AnsW Proerrrpa Ratan (AIMt6 a. The term -Annual Percentage Rate- may appear as 'APR' on the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appeam on the from of this stateroom next to the periode terms), the periodic .to. and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on tie stated Ind es, as food in The Wall Street Journal, plus the margn previoudy disclosed to you. These danger will be effective on the flint day of your billing period covered by yea periodic statement ending In the minds Jaraary, April, July and October. c. If the code D (Prime), F (1-me. LIBOR) or G (3-mo. LIBOR RepAuod Monthly) appears on the iron of your eratemam next to the periodic rate(s), the periWC rates and corre% ng ANNUAL PERCENTAGE RATES may vary men and may imrame or decrease based on the mated indices, as found in The Well Street Junal, pits the margin previously dadosed to you. Theseochanges will ho effective on the fist ley of your billing period inch month. 4. A-enrm of Leta, Overfimit and Returned Payment Fails. Your account will be assessed no more than two of the tees listed here that Occur during any billing period. Under the terms of your customer agreamem, we reserve the dght to waive or not to assess any tees without prior notification to you without waiting our right to assess the same or similar s et a later lime. 6. Yon. If a membership fee appears on the from rom of of this statement, you have 30 to days from the dime this haw such was mailed to you avoid paying the fee or to have such I. created to yon if you caned Your acco During this period, you may continue use e your r account without having to pay the membership teeli To cancel your account, you must notify us by calling our Castanet Relations Depenment and pay your 'Now Balance' in fdl (excluding the membership fo) prier to 0 end of the thirty-day period. 6. If You Ckrae You Aoemnt. You can request to dose yyour account by rolling our CusZ,' r Relation Departmont. Vou must destroy credit card(s) and account access checks, cancel ell preauthorized billing, and cease uainp your ecchixhl. If yon do rot caned preeuthorizad billing mrargements, we will consider receipt of a large Your authorization to reopm your accent. Additionally, your account will non be dosed until you pay all amounts you owe us including: any transactions you have authorized, finance dirges, past due fees, overiimit fees, returned payment fees, cash advance fees and any ether fees assessed to your accost. You are responsible for these amhima wfimher they appear on your account at the time you rmuwm to close the account or they are incurred subsequent to charges appearing on you( account Thin my U In haw your =&.0i if h has already beer) dosed. For a mmple, if you zad a purrh rm from IF merchant and we receive the tnns&.'tfon from Uhe manihent after your emOtrY hag been dosed, your aochin[ will be reopened, to mohint of to large will be added to your account, your 'A be I be rorespaarble fo payment. If tam is a mamba P Your ecchirm, the he tea' al -.t,. ed, ro the extent pemirted by law, emhint ba arhm her been paid In full as t=, sho7. INYg Yw AauwuR.Your card or accoube used In conaetmh with any Internet gambling trrmctions. 8. Nail-About El-I ado Gunk Conversion. When you provide a dock as payment, you authorize us either w use information from yhir deck to make a one-tine electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your deck to make an electronic fund transfer, Rods may be withdrawn from your bank accent as roan ea the same my we receive, you PaYmom, end Vou wa, not eceve your deck back fmm your financial institution. BILLING RIGHTS SUMMARY (In Case Of Errors Or Question About Your Bill) If you think your bill is wrong, or if you need more information on a transaction or NII, write to us on a separate sheet as soon as possible at the address for inquiries shown on the tram of this statement. We rust hear from you no later than 60 de after we sat you the first bill an which the error or problem apdpeared. You can cell our Customer Rotatons number, bun oing so 'All not preserve your rights. In your Nast, give us the following information: your name and amount camber, the dollar e [ of the ifsuspected ertor,e,a deacriptian of the enor is there ll a neopr f You reed mom -ri an error; or If You reed more infowfiyy you bolrmetlon, a deacriptlon of the hem you are unsure about. You do rat have to pay any amount in question while we am Investigating it, but you am still obligmed to pay the pans of your dill that are net In question. WN1. voe Investlgete your question, we corral re)er[ you as dolirhquhanhr or take any action to collect the am ant you question. t,t Special little For Credit Card Purchases If you have a Problem vlth the quality of property or Mces that you purdased wfM a credit card and you have tded In good faith to mined the Problem with the merchant, you may have the right not to pay the remaining amount due on the P. rty or services. You have this protection eny when the purcluae price was more than 950.00 or the purclaae was made in your home mate or within 100 miles of your mailing address. (Ii were own or operate to merchant, or if we mailed you the advettisemem ford the property or services, all purchases re covered regaam of amount or location of puchase.) Please remember to sign all concepondence. t Does mt apply to consumer eon-crodt card accowNs Y Does cot apply to business -,,add card accounts =p1 One supports information privacy protection: see our webaita at www.upptalons.cgm. Capital One la a hdarally regstered service mark of Capital One Randal Cotporaton. All rights reserved. • 2OO3 Capital One 01 LGLBAK 1. Now To Avoid A Fit- Charge. ta. Graos Period. You will have a minimum grace period of 25 days withhir finance therge on clew pu haws, new balarhce ?ansters, mw spedal purdieaea end rew other charges if you pay your tool 'New Balarce", in accordance with the 1=1re faotm for payments below, and an, time fork robe credted by your root statement dosing date. There is ro gate period on cash advances and spedal trrhefers. In addition, them is ns gm" period any tansactlon if you do rot pay the total 'New ance.' Firemen, b. bal ubi Charge. Transactions trustee are rot sfrotect t to a a are gram an polo. ere nca large 1) from the date of no, or the transaction or 2) ) from the date the tren"roon is promssad to your Acmnt o 3) from the fist calondar did not pay day of the the 'Nevv w B II aI biairhA period. the Addtiouna bi you did ance from Pmrg period in full, finance charges barons to acnes in to tee is paid id in n i Your means than you until the urpaid balance full. mesa than you y -owe fir ad tllargea, even f f you pay the entire Navy B?ele rhu hdxoted on the front of your statement W tho root satement dosing date, but did not do so for the preview month. Unpaid finance dirges added to the .pelt bie sepnmt of your Atchirn. t c. aNninrrrhn Finance CFspa. For each blang period that your arrant la sub(nc, ro a tkhnc?e large, a "Firm- foal gNANCE CHARGE of 30.60 will he Imposed. If the thisl flnsrhu Uherge ntaldnp french the appacation of yyoouur periodic ram(s) is less can 0fMO, we will subtract lhet amount from the 50.50 minimum and the difference will be billed to the purchase em of you account. t d. Temporary Reriumian n r.-- Charge. We reserve the right to non assess any or all finence, dames for my given billing period. 2. Average Daay BeFrwa laakdiw New NraM:.sl- e. Wince charge is cala1ated y rNplyfng the daily balance of each segment of your mcouru (e.g., cash advance, puxdaon, spacial transfer, and special purchase) by the corteaphidrhg daily Pmlodc mm(al the[ has been Previously disclosed to you. At the and of inch tlay during the baling period, we apply the daily periodic rate fo each segment of your accent to the daily balance of each login .Then at the end of the Nlirp period, woe add up the reacts of lase dairy ululetMe to arrive at Tar periodic finance charge for each segment. We add Ip the results From finnnce dine each Moment to arrive at the total periodic rge r your mcontt. To get the daily balance for each sel7ctent of your ebaorm, we take the begiming hot- for inch segrharm pro add any new trensactions and anype riode finance dirge mlhileroa on the p"'- day's balance her tat aegront. We tlhenh ebtram eny peymms or cnadta posted an of tat day that are allocated to tat aegnhrm. TNs gives un the separate dally bd.- for each sagtrerm of your errant. Howwver, if you paid the New Balance shown on your peviow st m'"re in fill (o if your now, belanm was zest or a credit emoum), new transactions which loos[ to your purchases, or special purchaes Mom ohta are urn added ta the daily balances. We ukxlate the average deny baanm by adding ea the daily balancs together ell dvidmg the ran by the umber of the days in the ourrhxn billing cycle. To calhilete Tor [coal deaperiodcrata enddb tether nuttier odf'ifya rain the dla? pedyod. Oue to rorhdng m a dMly basis, tey're may be eg sight do_ between tla ululation aro the emhirm of flnance dirge actually assessed. b. If the code Z or N appeam on to hoot of this a[atemem rex[ to "Belerhm Rate Applied To.- we mduply the Irrporterm NWw: Paymertta you mall to us will be IF..to your account as of the buWeas day we receive h, pro load (1) you send the bottom portion of this satement end your deck b the endoae0 retnl[tarhce envalape and (2) your payment la reuxlvetl h our prOceaalrg caner by 3 P•m. ET 112 noon PT). Please allow at least five (5) business days for postal delivery. Payment. mewed by ua n any other location or m any other form may not bra credied as of the dsyy we receive tam. Our btsinees days are Monday through Saturday, axdudrgbrdkhdideys. Please qb not tone maples paper spa inc. hNhen preperirq Your pa err. When You send ns a cleck(e), you authorize a m make .orbs-tme electronic transfer debit from your accocrrt for the arrant a1 the shack Th. authorizmien eppltw to all Backe reoelvhrd during the billing cycle even if sent by make o rise. If we carrot process to transfer, you authorize us to make a charge against your bank aocart udrg the check a paper draft or other hem. 053 I hat's in your wallet?' C' ?o STEENBURG It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. WHOOPS! Keeping your credit in good standing can do a lot more than you think. " GOOD CREDIT = GOOD CREDIT REFERENCES You re behind BETTER INTEREST RATES by I payment. (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) Q 2006 Capital One Services, Inc. Capital One is a federally registered service mark. AU rights reserved. 053-08106 G2y' Q?NoHassle Account Summary REWARDS- Previous Balance $2,265.70 Payments, Credits and Adjustments $.00 Transactions $143.95 Finance Charges $54.37 New Balance $2,464.02 :Minimum Amount Due S264.02 Payment Due Date July 27, 2006 Total Credit Line $2,200 Total Available Credit $,00 Credit Line for Cash $2,200 Available Credit for Cash $,00 At your service To can Customer Relations or to report a lost or stolen card: 1-800-903-3637 Send paymmu to: Send inquiries to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St Lout., MO 63179-0216 SLC, UT 84130-0285 Important Account Information Take control and start paying your bill online for free. Eliminate the hassle of writing checks, finding stamps, and sealing envelopes. Everything you need to access, review, and pay your bill is available online. Our website offers you a convenient, simple, and secure way to manage your account Visit wwwxapitalone.oom and register your account to start simplifying your life today. PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 MAY 28 - JUN 27, 2006 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment, please accept our thanks. Transactions 1 27 JUN CAPITAL ONE MEMBER FEE $59.00 2 27 JUN OVERLIMIT FEE 29,00 3 27 JUN PAST DUE FEE 35.00 4 27 JUN PAYMENT PROTECTION 1-888-527-6904 20.95 Your account is one, payment behind. Remember that making your minimum payments by the due date, keeps your account in good standing. When you miss a payment, late fees start adding up. And nobody wants that. So make sure you send in the minimum amount due on your statement to keep your account in good standing and to keep from paying extras fees. As of 06/27/06, your current No Hassle Rewards balance is 5.45. Please note that rewards information reported here may not reflect all purchases on this statement or recent redemptions. Simply go online to www.capitalone.com/cashrewards when you are ready to redeem. You were assessed a past due fee of $35.00 on 06/27/2006 because your minimum payment was not received by the due date of 06/27/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Please see reverse tide for importaxt information o Rd-ree Periodic Ce.respmdixg gapledto r? APPR l.tlAlCliP. ?- PURCHASES $1,748.44 .07644%D 27.904 $41.43 CASH $546.26 .07644%D 27.90% $12.94 ANNUAL PERCENTAGE RATE applied this period 27,90% PLEASE RETURN PORTION BELOW WITH PAYMENT G? 0000000 0 5178052200670905 27 2464020131000264024 New Balance $2.464.02 Minimum Amount Due $264.02 Payment Due. Date Iuly2i, 2006 Total enclosed $ Account Number. 5178-0522-0067-0905 Capital One Bank P.O. Box 790216 11 11111111111 1111 11 1 11 St. Louis, MO 63179-0216 11111111111111111111111111111111111111111111111111111111111111 Please vviteyour accoant rsumber on your Neasep.fat-11-9-Zara aab --dd-grs be! -,rbi-orblukiak Swett Apt M City S.. ZIP Hvme Plane Alw.w Plane #9017956678636510# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 N ? 11111111111111111111111111111111111111111111111111111111111111 check or money order made payable to Capital 0 ne Bank and mail in the enlaced envelope. r T8- (Taos Period. You will have a minimum grace period of 25 dogs without finance charge on now purchases, new balance transfers, new special purchases and now other tlarges if you paY Your [oral 'New B,,I,- aocorsme widh the Inportan Nodco for paymerrs below, and in time for it to be credited by Your rent satemem cIV dace. There is no grace period on rash advances and =.I trarsfes. In addition, dare is he grace period an any transaction if you do not pay the teal 'New balance.' b. !=FM s CJsrga. Transactions vdich are rot ce period are as.easeU flnsrnco dirge 11 from tie date of the transaction or 2) from the date the tarsacdon Fs processed to your Accent or 3) from the fiat ralerda day of the orrent bBlinp pemod. Addidonslly, if you rid not pay the "New Balance from the Drevias biIirg period in fill, finaoa charges tontine to accrue to Wur upad balance carol the upaid balance is pad in full. This metre the[ you may sdtl owe fruanca cringes, even if you pay the errim New Balannce kdrated on the fray of your nt by =- rent waternennt tla.inhg data, but did rot d'.": for Fm pas month. Urpald flnsrnce cha . rges added fo the pppptlYrce? aegnas of yon Axard t c. biirram FrnauaaQnsps? For each bRYng period that your axon[ Is augatd to a iarhce cuenge, a minimum total RNANCE CHARGE of a0.1i0 will be knposad. If the total 4h` da ndultlrp from the eppBcatin of yyoauu amount from (the $0.50 minimum and the difference will be bglad to tie purdase segn of yam exam. t d. Tanparery Radueiiorn in Fiurttea Rsrgs. We reserve the grgid a rot assess any or all tirueruce tlarges for any given Ylkg period. 2. Aver Daily Balaruaa fknokrdaa Naw Rrdaap). a. M. charge is celculmod y multiplying the daily balenoe of eeon segment of yarn a=(e.g., cash advarxs, punyue_==-ft=="- e, apecal tarefer, and :pedal puncasel by the r»m3spetdrg daily pedodc me(.) that has boon prevkhudy daioeed a you. At de and of esdn de durkug the billkg period, we apply the detly periodic rare for each aegnent of your t thean to the dall1yy bdarhx ct e segnem. Than at the and of tie hiYinp period, we add up the mans of these :ft=. letian to emus m you pemodic finance tlnasegnem. We add real[. ham escn .egrnet a arrive at the total pemup flnsnee cargo for your axant. To got the daily balance ?? a?egesnd of your accout, wa eke the beginning and any pe rio tic finance data add am IIBW an ththe rovio charge celnlatd on the p previous days balaroe for cat soglterd. We then awtrect arty peymems a tract posted as of dint day cat ere allocated to thin aegnent. This gives us the sepmem daily balance NewNew Belenxx wnoI m r account, However, if you paid the your preyi- aatemerd in full o if you new balance was zee or a cad, amou,), new [areactlons which porn to your purtlase o epedal purchase aegnuris ere net added a the dilly 6elancea. We calculate tie avenge daily balance by eddrp all tie daily balances togatier and di viding tie am by the rnnber 11 the days in the current Willing cycle. To calculate yam trod finance charge, multiply your average defy balance by the doily pe odic rme end by the ember of days in the NIYrg period. `frlue to mu,drg don" tally basis, tlaa may be a stlght variance between d" _daily and the amour of malice tlarga ansstly assessed. r N appeal on tla front of this stateroom b. If the code ?o no. to 'Balance Rate Applied To: we multiply the periodic rate. To obtain the average daily balance for the billing period covered by this andematt, we its the begimrg balance of each segmeit each day, add any new tronsadons ion each em, and abtracl any payments or credits. pf the code r appears on the from of IN. maleme t meth to 'Balance Rete Applied To,' we also attract any unpaid she charge hxsuded in the balance of each segmem.I T givea us the daily balance of each aegnem. Then we aNS dd up all the daily b'I- for each e.g.- For the biting period and dvide by the tmei =bar of days in the billing period. TNa gives us the avenggee daily balance of each seghhont. 3. Arad FNroarfap Raba 'APR'- The temp 'Ataual Percentage Rate' may appear as 'APR' on the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S IBonkcard Prime) appeero on the from of IN. statement neM to the periodic rate(.), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very querteriy and may increase or decrease bested on the stated indicea, as frond in The Wall Street Jaunel, plus the margin ,reviosly diedesed to you. These changes will be effedve on the11 day o1 our billing pealed covered You pad= statement y ending in the months Uahuaryloll, Apdi, July and October. c. If the code D (Prime), F (1-mo. LIBOR) or G 13-mo. LIBOR Repriced Monthly) appears on the from of your statement nsM to the pedade ratels), the perlodc rates and correaporhirq ANNUAL PERCENTAGE RATES may vary monlNy and may increase or decrease based on the mated indices, as tend in The We0 Street Joemel, pus the margin previously dadaaed to you. These target will be effective on the fist day of your billing period each month. 4. A-sarwnt of Leta, OvaiNt ad Rabanad Paynnent Faw. Your account will be assessed m more than two of the tees limed here that occur during any billing pedod. Under the terms of your =. agreement, re the right to aive or rat lny fee: withot prier cotiflcmion to you withouttewaiting our right to assess the same c eimllar fees at a lar time. 5.1Raavzkg Your A.-C If a memberalip fee appears on the from of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your amount. During this period, you may continue to use Your a-, without having to pay the membeship tee. To caned your accent, you must nstify us by calling our Customer Relations Depanmem and pay your 'New Balance' in full lextluding the membership fee) prior to the end of the thirty-day period. e. N Yon Clow Yew Aoawd. You can request to close yywcor account by calling our Cult-or Relations oepano-'. you moat destroy your credit cad(s) and account axes. checks, caned all preauhorized billing, and cease uairh., your account. If you do not caned preeuthorized billing arrangements, we will consider receipt of a charge your autorization to reopen your amount. Additionally, your seem" WII not be dosed until you pay all amounu you owe us including: any transactions you have authorized, finance charges, paw due fees, overiimit fees, returned payment fees, cash advance tees end any .her fees assessed to your eccant. You ere reapo .for these amends whether they appear on your accoum at the time you request to close the account or they are incurred subsequent to your request to dose the account. This may result in charges appearing on your amount inter you have your account if it has already been dosed. Forand example. if you autlodzed a purcase from a rtnertlhant we reoaive the tntadon fran the merchant after your account has been dosed, your account will be reopened, the amount of the charge will be added to yow account, and You will be resposibie for payment. If there is 9 nambeship foe for your exam, the fee will conrixze m m Barmg?edd, a the eMBn permuted fry law, udI da accent balance Ise been pad In fill ea deflred above. 7. Using Your Amaud.Your cam a account camel be used In correction with any Internet gambling transactions. 8. Nodoe About Elaohmnie CTnvardarr. When you provide a deck as peyrnex, you eWerize us either to use )nfommion from yen deck to make a oa-time electronic fed transfer from yen bank account or to proceea the peymurd as a creek trasa -. When vve use infortnstion horn yetr deck to make an clectrarhic find transfer, firm may be withdrawn from your bent account as soon as the same day We receive yalr payment, end you wYl not receive your deck beck from your financial irstintion. BILLING RIGHTS SUMMARY (In Case Of Errol Or Ouesdos About Your BIID If you it** your bill Is wrong, or if you need more infomation on a transaction or bill, write to La on a separate sheet as soon as posalde at the address for rgddes shown on the front of this statement. We must fear from you no later than BO days after we Bern you tie firs) bill on which the error or problem appeared. You ran cell our Customer Reatons number, but doing se will not preserve your dghm In Z. letter, give ns the fdlowirg rnMmnation: your name end accent rumba, the idler imam of the suspected amen, a deseription of the error and on ez7ianstion, if pssaibie, of wfiyy you bdiee there I. an error; or If you need mom Inlomation, a description of the hem you are unsure abort. You do rot have to pay any amount =Ion while we are Investigating it, bin yea are still In qumnion. iohYgetadewe to pa iy nven thetgeto your g f `h parts of your bill that e are not n, We I report you as detln:7d or take any anion to collect the .mead You quesrion 4,t Special Floe For Credit Card Puciasee If you have a problem with the quallty of property or se Mcea that you rdased vvidh a credt cam and yen have tried in gaodpfalth to commit the problem with the merchant, you may have the right not to pay the remaining amain dui on the p ny or services. You have this prolectm oniY vAw the pumhasr! p1a was more than 050.00 ant the purchase was made in your home mate or within 100 miles of your mailing address. (If we own or operate the merchant, or if vve mailed you the advertisement fe, the no perty or seMces, aN purdases e covered regerdes1 emwrt or IocatFon of purchase.) Please remember to sign all eomespordence. t Does tat apply fo meaLerar aoa-cradiz card accowts I Does rot oppty to business tar-credit cad eecoarfs One apports infomation privacy protection: :0 our at www.capptalone.cem. Ons Ia a federally registered service mark of tal 8 O ; O ' M M? lrryxtad Nodoa: Paymerrta you mail to us, will be credited to your account ae of :4.= day ws receive h, provided (1) you send the bottom portion of this matemem P and your deck in the enckusod remlttonce at any pe and (2) your payment la received in our a" by 3 p.m. ET (12 noon PT). Pleaw allow at least fie (5) business days for Postal deiivery. , y g received by ue at any other location or 1n any otler tom MY not credited as of the day we receive them. Out business drys are Mandey thrwyh Satumky, axdudng hdidays. Peaw do rot use staples, paper dlpe etc. when preparkg your pa =k Whsn yyoauu tend ua a deck(s), you authorize us to make stmt-rime electroni ctransfer debit fran your bark acoaurtl for the .mead of the check This audodzatbn epplres to a4 received dudng the "I, cycle even If cunt by somaore else. If we cerurhm process the trareter, you authorize us to make a charge against your bank accord using the check, a paper draft or Oder ham. 596899 on your auto insurance. bang for your insurance buck. with all the money you could save. Call to get our best prices on auto insurance. Inslogic's' rate comparison service is fast, simple and FREE to use. 1-877-886-9111 C?NoHassle REWARDS" Account Summary Previous Balance $2,464.02 Payments, Credits and Adjustments $300.00 Transactions $29.35 Finance Charges $56.69 New Balance $2,250.06 Minimum Amount Due $67.00 Payment Due Date August 26, 2006 Total Credit Line $2,200 Total Available Credit $.00 Credit Line for Cash $2,200 Available Credit for Cash $.00 At your service To call Customer Relations or to report a lost or stolen card 1-800-903-3637 Send Payments to. Send inquiries to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St Lou6, MO 63179-0116 SLC, UT 84130-0285 Imtrortant Account Information Take control and start paying your bill online for free. Eliminate the hassle of writing checks, finding scamps, and sealing envelopes. Everything you need to access, renew, and pay your bill is available online. Our website offers you a convenient, simple, and secure way to manage your account Visit www.capitalone.com and register your account to start simplifying your life today. PLATINUM MASTERCARD ACCOUNT 5178-0522-0067-0905 JUN 28 - JUL 27, 2006 Page I of 1 Payments, Credits and Adjustments 1 26 JUL Cap 1 ElectronicPhonePmt AutltDate 26-JUL $300.00- Transactions 2 26 JUL PAY-BY-PHONE FEE $10.00 3 27 JUL PAYMENT PROTECTION 1-888-527-6904 19.35 As of 07/27/06, your current No Hassle Rewards balance is $.55. Please note that rewards information reported here may not reflect all purchases on this statement or recent redemptions. Simply go online to www.capitalone.com/cashrewards when you are ready to redeem. Finance Charges Please tee reverse side for impartant information atr P-11. C g rm .grplirdto APR l;t1A 1C PURCHASES $1,915.65 .07644%D 27.90% $43.93 CASH $556.53 .07644%D 27.%% $1176 ANNUAL PERCENTAGE RATE applied this period 27.90% PLEASE RETURN PORTION BELOW WITH PAYMENT AW 0000000 0 5178052200670905 27 2250060300000067004 New Balance $2,250.06 Minimum Amount Due $67.00 Payment Due Date August 26, 2006 Total enclosed E Account Number: 517&0522-0067-0905 Capital One Bank P.O. Box 790216 IlIf nsltlnlltlultl St. Louis, MO 63179-0216 P1earepint-Angad,5,m mrd/arr-nwiteJamgrr br! wingb! orblark ink Street Apt Y City S„. ZIP Home Phone Altemste PMne #9020956678636515# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 m r Please writeyour auount number on your ehal or money order name payable to Capital One Bank and mail in the enrlared envelope. Take advantage of this special, free service to shop, and compare our best prices for your auto insurance. Call 1-877-886-9111 today to see how much you could save. Or visit www.capitalone.com/insurance +InsLogicaa Is a program of, and Insurance services are offered through the licensed insurance agency affiliates of Answer Financier Inc., Insurance Answer Centers Inc. (California License No. 01399714), Answer Center Insurance Agency, Inc. and through other affiliates. Answer Financial is not an Insurance company. Insurance plans and services are from Insurance companies and other licensed related insurance providers. Not all products available in all states. INSURANCE PRODUCTS ARE NOT DEPOSITS OR OTHER OBLIGATIONS OF, OR GUARANTEED BY, CAPITAL ONE OR AN AFFILIATE OF CAPITAL ONE, AND ARE NOT INSURED BY THE FDIC OR ANY OTHER UNITED STATES AGENCY OR CAPITAL ONE. Rates subject to change. By responding to this offer you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital Ones customer. Answer Financial Inc.is solely responsible for this offer and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee any third-party product or service shown here. Insurance products are not deposits or other obligations of, or guaranteed by Capital One or an affiliate of Capital One and are not insured by the FDIC or any other United States agency or Capital One. Your decision to purchase insurance and your choice of an insurer or agent will not affect your eligibility for any Capital One product or service. Capital One is a federally registered service mark. All rights reserved. 8 O 1 O ?izy N l? N p?eriodic rate. To obtain the average daily balance for the billing Period covered by this statement, we take the begimng balance of each segment each day, add any new transactions to each segment, and s btrect any paymeds or credits. (It the code N appears an the frond of this statement next 10 "Balance Rate Applied To,' we also attract any unpaid finance charge included in the balance of each se enl.) This gives or the daily balance of each segment. Then we add up all the daily balances for men segnem for the billing period and divide by the total number of days In the billing period. This gives us the average dally halance of each segment. 3. Arsad Iserurtage Razes CAPRI. a. The term 'Annual Percentage Rate' may appear as APR' an the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard prime) appears on the from of this sommad roil to the periodic rate(s), thePeriodic rates and mnespondng ANNUAL PERCENTAGE RATES may vary qm dy end may im w or decrease based en the soled Indian, as found in The Well Street Jaonal, plus the margin ppreviously disclosed to you. These darhpea will be effective on the floor day of your billing pedad coverall by your periodic statement ending In the moniha January, April, July and October. c. If the code D (Primal, F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appeeu m he from of your statemem next to the periodic rate(s), the perlodc rates and correapordrg ANNUAL PERCENTAGE RATES may vary mrugNV end may Increax a decrease based on the staled indcea, as fond in The Wall Street Jaaael, pits the margin previously disclosed to you. These changes Will be effective on the first day of your billing period each mesh. 4. Assessment of Lets, Overtime and Returned Psymrt Furs. Your accent will be seaward no more clan two of the fees gated hem that occur during any billing period. Under the terms of your customer agreement, we reserve the right to waive or rot to assess any fees withoutrior notification to you without waiting our right to assess the same or similar tees et a later time. 6,tRrtewixg You Amount If a membership fee appears m the from of this statement, you have 30 days from the date this statement was mailed to you to void paying the fee or to Neva such fee creditod to you if you cancel your accent. During this period, you may continue to use your accent without having to pay file membership fee. To caned your axoum, you must notify us by calling our Customer Relations Department and the membershyour 'New Balance' ip fee) prior to the t end of (tie thirtrµdey period. 6. If You pop you Amount. You can repast to close =account by calling our Customer Relations Uep Main. You must destroy your credit cardls) end cant access checks, cancel all preauthodzed bi lling, and cease uairhp your accent. If you do net cancel preauthadzed billing arrangements, we will consider receipt of a Barge your authodzation to reopen your accent. Addtanelly, your accent will rot be dared until you pay all amounts you owe us including: any transactions You have authorized, finance charges, pas[ due fees, ovedimit fees, returned payment fees, cash advance fees end any after fees =_ to your ant. Vou are reaporeible for ta whether they appear on your account at the time you request to close the accent r they ere incurred atbaequernI to your request to dose the account. This may result in charges appearing on your account after you have Yotx accent if it has already been dosed. For example, if you authorized a pudrese from a merchant and m receive the treacden tram the merrham after your accent has been dosed. Your accarht AN be reopened, to amen of to charge will be added to your axant, and you will be responsible fen payment. If them is a members* fee for your accourd, to fee will txrrorte ha tla , to the extent pemittnd by law, unxfl the to exam shoe has been pakl In full as defined above. 7. UskV Yor Aaaant.Yo r card o acco ru cannot be used In connection with any Internet gambling transactions. E. Notioa Abort ELStrrto Gawk Cawra6n. When you provide a cock as payment, you aut hodze or eider to use information from your deck to make a she-time electronic fud transfer from your bank accost or to praxtaa the payment as a check transaction. When we use informanon from your dock to make an electronic fund trasfer, finds may be wand from your bank axarx as soon ea to acme day va, receive your payment, and you wN not receive your deck back from your financial inra tutor. BILLING RIGHTS SUMMARY (In Casa Of Enom Or Question Abed Your Bill) If you think your bill Is Wrong, or if you need mast Information on a uarsactfen sir but, write to us on a separate sheet as anon as possible at the address for Inquidea shown on the front of INs statement. We most hear from you no later than BO deyyaa after we sae you the fins bill on which the error or preblem appeared. You can call Otto Customer Relations amber, but doing so WN not nfamatim r fights. In yen letter, give zee the SeRowirp your rams and accent number, the dollar amour of the sgepecled error, s descriptim of the error and an explanation, if possible, of w/1y you believe there is an error; or it you reed more Information, a description of the hen you are unsure about. You do not have to pay any amount In question while we are investigating it, but you re "If obligated to pay the pans of your bill that are net in question. while we inve?tlIppeBto yas question, we cannot repot you as deflrhqusrrt sir tails any action to collect the amount you question. S,t Special Rule For Credit Card Purchases If you have a problem With the quality of property or Mcea that you purchased with a credit "M and you have tried in good faith to correct the problem with the merchant, you may have fire night not to pay the remaidng amdnt due m the pr sty or services. You have this protector ochV WMhen the purduas price was more than 850.00 and the purchaee was made in your home Hate or within 100 miles of your maiNnN address. (It we own or operate the merchenL or if we mailed you the advertisement for the property OF services, eII purchases are covered regandeas of amount or location of purchase.) Please remember to sigh all correspondence. t Does rot apply to consumer -r-credit card accounts I Does rat apply to business mn-credit cad accounts One o pporm information pdyacy proactim: am our at Www.c talons.. One h& federally rodatau l serMce mark of Capital Or. al ryoralien, All rights reserved. a 01LGLB.AK te. Qsoe Priori. Vacv 11 ft-a-mirimun grace period of 26 days whited firerce charge on new purchases, new, balance transient, new special purchases and new other charges if you pay your total 'NOW Balance', in :..dance with the Important Notice for payments below, and in time for it m be cradled by your next statement doehg date. There is no grace period on cash advances and apedsi transfers. In addition, them is no grace period any eah 'sactlen if you do not pay the teal 'New M I F Aoauing Firm- charge. Transactions wNdh ere net from the date of the transaction am reassmad filaosser, charge ) imction or 2) firm the dates the, tmnmctlen is processed to yaw Acxut o 3) from the first calendar day of pre ournent hiNinp paced Addtlahelly, if you del rot pay the 'New Balance Iran the previous billing period in full, firance charges cootiare to acme to your upaid bsiarhce urdi the unpaid balance is paid in fi/I. The means that you mayy will owe firmest charges, even if You pay the mttm NOW Balance Indicated en the from of your aretenart W he rent sutrtmas closing dam, but rid rot do m for tfe prevkus nhenth. llrhped tkhmhce Barges am added to the Ne aegnmu of your Assert. tc. I Ind- Flenoe e. For each billing period the. your axoua, la aub(act to a finance, charge, a mhennum teal FIN4IJCE CFIAROE of $0.60 will be Imposed. If the r l ee finance charge Milt. epplradon or your periafic mta(e) is less than 30.60, we wiB mbtrect that errant trout the 60.50 mlwam and the differs- will be billed to the pun3ase sage of yen accoux. td. Terrporsry Redirothmh Yt Flo qa CEsrga. We mw_ the ri to rot apeas any or all finance dangler for any given ling period. 2. Average Daily Balance iktoludrg New p r"b".1. a. nnsrhce charge is cakes aced y multiplying the daily balmoe of each sag net of yar acceut b, g., rash ad-, pumshaee, sped.1 toaster, and spedal purrt_) by the corresponding daily periodic rate(s) that has been previously disclosed to you. At tha end of each day during the Nang period, wat apply the daily periodic me for each segnant of your secant to the dilly balance of each mgm, at m Than of the billing period, we, add up do realm of t and daily calculations to arrive in your periodie finance charge for each segment. We add up the malts from each segment to arrive at the total periodic finance charge for your accent. To got the dally balarce for each segment of your account, we take to be¢nirg balance for "Ch segment and add arry new to sactiore and mry periodic franca charge cal led an the pmvies days balance for that segment. We than suborner any paymerte o cadre pasted p of tot day that am alkcated to tet -Me". This given or the separate dally baance for each sagnes, of Your exam. However, If you paid the New Balance shown on You pneNor, aratemem in nil (or if your new balance was zero or a credo amount), new, tram retkne Which poor to your purchase or special purchase segments am not added to the dally balances. We ealelate the average daily b.1- by adtkq all I dally halaruas togeder and dtddng the surrt by the amber of the days in the ourrern billing tyde. To oslculata your total finace, charge, multiply your average daily balance by the daily parodic rate and by the amber of days in the biniing Pedoui. Due to muhdrg on a daily basis, them may be a slight vavace between tsa calculation, and to amount of final"' carge a""1Y warped. b. If the code Z or N appears on the from of tsa statement nett m 'Balance Rate Applied To,' m multiply the Mtpartant Ilotbe: Payrrtana you mall to zee will be credited to your axon as of tha business Bey we receive it provided (1) you send the bottom portion of this statenem and your check In the erhdesed ramit[ance envdape and 12) your payment Is mcdwad fe our processing center by 3 p.m. ET (1 f noon PT). Please allow at least A (5) business days for postal delivery. P,a onto received by zee n any other looston or m any otter Conn may rhot ea credited to of the Beyy we receive them. Our brees days are Monday through Saturday, excluding holidays. %eaea do not use trtaplea paper dips are. When prem poring sip lour payment. When you send us a ch ock(a), you audod zee to makunsie a one-time electmot; transfer debit Iran your bahll accent e the charge a of the deck ac aunt Lark ion the c applies to sill decks received during the billing cycle even if earn by saneers, el". If we cannot procese the tunster, you authorize us to make a charge against your bank axarrt using the check a paper draft or other hem. /+'??? CaplValoW what's in your wallet?' 053 HAROLD M STEENBURG It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES byl payment. (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 053-08106 PLATINUM MASTERCARD ACCOUNT JUL 28 - AUG 27, 2006 (AN6 Hmie 5178-0522-0067-0905 Page 1 of 1 Account S unUnazy REWARDS Payments, Credits and Adjustments Previous Balance $2,250.06 Payments, Credits and Adjustments $.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If Transactions $94.28 you have already made your payment, please accept our thanks. Finance Charges $54.44 New Balance $2,368 .78 Transactions Minimum Amrntnt Ihte $188.78 1 27 AUG OVERLIMIT FEE $29.00 Payment Due Date September 27, 2006 2 27 AUG PAST DUE FEE 35.00 Total C di Li 3 27 AUG PAYMENT PROTECTION 1-888-527-6904 20.28 re t ne Total Available Credit $2,200 $.00 Your account is one payment behind. Remember that making your minimum payments by the due date, keeps Credit Line for Cash $2,200 your account in good standing. When you miss a payment, late fees start adding up. And nobody wants that. Available Credit for Cash $.00 so make sure you send in the minimum amount due on your statement to keep your account in good standing and to keep from paying extras fete. At your service As of 08/27/06, your current No Hassle Rewards balance is $.65. Please note that rewards To call Customer Relations or to report a lost os stolen Dart information reported here may not reflect all purchases on this statement or recent redemptions. 1-SM-903-3637 Simplygo online to www.capitalone.com/cashrewards when you are ready to redeem. Send payment- to: Send inquid. to: Attn: R-ttsnee Prom 'erg Capital One Bank Capital One P.O. Box 790116 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Take control and scan pa' your bill online for free. Eliminate the hassle of wrrtng checks, finding scamps, and sealing envelopes. Everything you need to acces review, and pay your bill is available online. Our website offers you a convenient, simple, and secure tray to manage your account Visit www.capitalone.com and register your account to start simplifying your life today. You were assessed a past due fee of $35.00 on 08/27/2006 because your minimum payment was not received by the due date of 08/26/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Please see reverie side for important information Bd rate Perrod. Corresponding ME a/y/rrdto rat AP PURCHASFS $1,744.44 .077U%D 28.15% $41.70 CASH $532.77 .07712%D 28.15% $12.74 ANNUAL PERCENTAGE RATE applied this period 28.15% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2388780300000188783 New Balance $2.388.78 Minimum Amount Due $188,78 Payment Due Dare September 27, 2006 Total enclosed $ Account Number. 5178-0522-0067-0905 Plearep.;nt-h.jradh--V r+ ddbmrresk1 wingb! orbt 4mk, Street Apt M ury S.. ZIP Home Ph- Alm.W Ph- #9023956678636512# MAIL ID NUMBER Capital One Bank HAROLD M STEENBURG P.O. Box 790216 Itlnlu?t?lntllltu? 729 SOUTHERN DR St. Louis, MO 63179-0216 0 CATAWISSA PA 17820-8412 Lllttt?ILtnIIhn161nILt??thlttelLll??ttJhlh?Ld?l ? I??rllhrrll?rLtdtllltrlLtLdtthrdLdlLtlllhlretlLd Pkare -,t j w a¢ount number -y- chesk m money order madepayable to Capital One Bank and mail in the enelared envelope. r 8 O i O1?' ro PER N - ppeerack rate. To obtain the average daily balance for the billing period covered by this statement, we take the begimrg halance of each segment each day, add any row traresedo s to aech segmem, -cI sta... any Paymma w credits. III the code N appears on the from of this awlemmt nerd wT18.Iance Rate Applied To; vve else subtract any =id finance charge included in the balance of each segmrum.l TNa gives us the daily balance of each segment. Tan, we add up all the daily balances la each segnem for the billing period and divide by the total -be, of days is the billing period TMs gives is the average dilly bal.... f each eagment. 3. Anauel Paror lga Ratty IAIMtI. a. The term 'Aonual Percentage Rate' may appear as 'APR' on the front of this metemem. b. If the cede P (Prime), L 0-mo. LIBOR), C (Certificate of Deposit), or S (Bankcmd Prime) appeals an the from of this statement rem to the pedodc rese(t), the pedock rates and conespencing ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the a[statl indices, as found in The Well Street Jorurnel, plus the margn previously the dad you. Tfh daraee w1Y be eNecdve m the oaed firer datoy of yet NII months Jar- by Yea periodic statement endrg ,Y, Apd, Jdy and October. c. It the code D (Prime), F LIBOR) or G (3-mo. LIBtemOR Repriced MontNy) =., on the Iran of your mahen next to the pedodk rate(s), the periodic rates and mrteaponndinq ANNUAL PERCENTAGE RATES may vary mZ and may Increase or decrease based on the mated indices, as found in The W"' Scree[ J "a" Pis the margin previously disclosed to you. These changes will he effective an the firm day of your billing period each month. 4. Assesarand of Late, OvmTnnk aM Rot rnad Payment Fem. Your account will be allocated no more than two of the fees limed hem that occur during any billing period. Under the terms of your customer agreement, vve reserve the right to Ive or rot to assess any fees t+lthan Delon ratI1cm m w you vWtlaut waiving our right to assess the same or similar fees t a later time. 5.11R.-Inil Your Am.-L If a memhanNp fee appears on the frost of this matemernt, you have 30 days from the date this statement was mailed to you to evdd IaYirg the Elm to have such fee cradled to you if you cancel your account. During this period, You may continue to use your account wthaut hating to pay the membership fee. To rand your accent, you must ratify w by uRirg our Custmer Pelatias Department and pay yyoour'New Balance' in toll lexduding the membeship fee) prior to the end of the thlRy-day period. S. N You clan Your Aaoou t; Ym can reµem to dose e accent by capping our Cum_ Relates Mean. You must destroy your credit card(s) and account acceea decks, cancel all pt-whorized billing, and cease using ywr accost. If you do not cancel preaudhorized billing anargementa, vve will cahader receipt of a dame your authorization to reopen your accent. Addtionelly, your account will not be dosed until you pay all amounts you owe us including: any transactions you have authorized, finance cages, Pam due fees, ovedimit fees, returned payment fees, cash advance fees and any other fees asaeaeed to your accent. you are responsible our these amounts whetter they appear m your account m the time you request to close the account or they are Incurred subsequent to your request to close the account. This may esdt In charges appearino on Your accent after you have your account if it hen already bean dosed. For exampie. if you sutnrimc! a Purchase from a merchant and vas receive the trereactim from the merchant after your accost has been cleared, your suxart WH be reopened, the amass of the large will be added to your amount, and you win be reapohaLle fw payment. If them is a membership fee for Your aocart, the fee win continue to be charged, to Use =,U nrnittad by law, udl the aa:ount baernce has in fill ea deflned above. 7. =Y: Aooarrl.Youn card or accent cannot be tnuhectlan wmh any Internet gambling rnectkro. 8. Nlutlee Abet E]sabsuis C/haak Cloraverasrh. When you provide a deck as peyrhara, you autierize un dthar to use infomymkn tram yon deck m make a ae-time electronic fund tmsefer from your bank account or to process the ppeeyrmem as a check transaction. When we use Information from your deck to make an electronic fund tom fw, finds may be wiNdrown from your bank accent as soon as the ssme day we rocoiva your peymerut, and you Wit not receive yon deck beck from your Ranrial irotltudm. BILLING RIGHTS SUMMARY (In Case Of Enom Or Questions About Your Bill) If You think your bill ie wrag, or If you reed mom information an a traroecdon or bit, write to '-a separate sheet as nom as poaaifle =t1 he add- for inquirme all- m the from of Wa enmi. We must hear train you no later than 00 de after we sera you the firm bin on wtich the error a problem appeared. You can cell au Customer Relations number, but doing so will not ppreserve your dgkw. In you letter, glue us the following infonnatm: your name and account number, the dollar amain of the suspected one(, a description of to error and an -01,tm, if possible, of why yw believe them is an error, or If you need more information, a description of the Item you am aeum about. You do rat havo to pay any oarm in quemim wine -, are Investigating it, but you ae "N oNpgatad to pay the parts of your bill that are rot in question. VuHIs we investigate your pamim, cwrhot report you as deinµent or take any adios to Idled the amount you cpueotion. t,t Spatial Rule For Credit Card Purchases U hawtvhae t a Problem with the quality o1 property w you puith d a credit bard end you, lays tried In good faith to to maw the -topples with the merchant, you may have the right net to pay the remaining amount due m the property or seMcea. You have this protecton ally wham the purchase w car, more than 0'0.00 and the purchase was made in your home sate or within 100 miles of your maNing address. (If we own or operate the merchant, or if ws mailed you the advertisement for tha pr cry or services, all purcasos am covered regard a of amain or location of purchase.) Peace remember to sign all conespadoee. t Ooes nor apply to consumes -,led& cad accoada t Doan rob apply to business roe-uadit card accounts Capital One oppons infonmatien privacy protection: see our webete at www.capPtal ono.com. Captal Ora is a federally registered service mark of Capital One op=al Corporation. All rights reserved. a 2003 Capital One 01 LGLBAK at ua rnsae uharya. t a. 6rasa Pared. You will have a minimm grace period of 25 days withort fironce charge on nevv purclhasos, raw balance trarofere, new spetlel purclesss end rew other dhargos if you pay your total "New Balance', in amordence with the Important Notice for payments below, and in time for it to be cradled by your nerd comment dosing date. There is no grace Pedoh on cash advaroos and spaded traafem. In addition, them Is no grace period on any traaaxion it you do not pay the total 'New bedsore.' b. Aoarig Fkhaae Chargs. Trarsectiae vddrh em rot abject to a grace period em assessed flrhanc?e charge 1) boos the date of liar trerhsection a 2) Fromm the date the commotion is processed to your Acmm a 3) from the first celeclar day of the c as bilirp ppeeclod. Adddonally, if you rid net pay the 'New Belahce ftorru the previous NNmg Period in full, finace riargm continue to acme to your urged balance until the upeld halahce s paid in all. TNS mearo that you, ma ads owe finance tlharges, arum if you pay the entire New Balance tndlceted on the trorrc of Ya+r statement by the now aaterrhert claakg time, but did not do as fw the pmvlos month. Urpald finance Barges am added to the ble mom" of your Aocant. tc. Miinsm Fihanroe Orrga. For each billing period that Your amount h abject to a ikanca large, a mklmum [oral RNANCE CFiAROE of 00.50 Win be Imposed. If the total flrhanhce W rpe reaitlnp from the cation of your periodic rote(s) is lass than 00.50, we will attract that errant tram the 00.50 mk*n- and the difference win be bi11 to the purdass aegrtem of?y??upraa t d rigirt to nor assess anytorrna. firerae charges for any given biNirng period 2. Average Daily Balsas Ikrakalkrg Now 1ph-l. e. Prance charge I. celaimed Y mulfiplyirq the daily balance of each aegneu of your eceant (e.g., cash advance, purchase, spedel tmrofer, and apeciel purdhasel by the rnneapadng deny pedode rate(s) that fan been pmvlady dalosed to you. At the end of each cloy cluing the bYlkg peclod, we apply de den periodic rote for each of yow secant m tla dd? balance of eadt segue t. Than at the end of the 6iMrg perod, we add up the rests of these daily relalatiae to amve m r perladc flronc?e large for each aegnhed. We add e malts from eachoryour aegn account. T To got tfth the total per anth finance tlarye f daily balance for earn aegnet of yes uuxourx, we take the beginning bai for each segment and sold armyy rew tmreectiore and army ppeeririodic fimnre dherge takdatad on the prBViorla days befsrhce for Bat segment. We then subtrett arty payments w c rd k. posted as of that day hat c` a=- Y ior. TNa gives u to aepareta dailbdN Yo ecoaue. However, If you paidotfe yon pr.A- swe"ar" in ftN If your now balance was zero a a I w amour), raw treaectiore which post m ==Z=,I Purchass segmeus am rot an es. We calc lam the average dailyy??balace by addi ng ail the deny balances togeter a d dwdrg the am by the nurrber of the days an the rarrret bRkg cycle. To cakal n your total Wharc charge, multply your aveage dadY belernce by the daily dock: mm and by the rarnber of days In the Nlkng par Z. to rouhdirq on a dairy bias, [lWe. ay be a sligih[ veriarae between this calculation anof rarce dierge acuaiy assessed. b. If the code Z o N appmm m the front of this emtemem next m -Balance Rate Applied To; we multiply the Mt tlrrpartatero W %mP mall to w will be asdted to your =hart as of the buNraw day m receive it, provided (1) you send tfa bottom pomm of this Tly- m eM your deck voluPe and (21 your paysnrnt la received M au oceaanq rote by 3 P.m. Er 02 noon P-0. Please allow at learn five (5) burarosa days for postal:Nvery. Paymots received by un m any other bcatim or in any offer fonts may not r. cmtited as of the day we receive therm. Our business days are Monday throudm Saturday exdudnq hoNdaye. Pease do rat era staples, =-, etc. vco prepatng ?ourr paymsxrt. When yw sand w a deckle), you authedze us to make a or mw elactraic irenlafer dabrt ban your bank acsxxrt for the emousri of the hin authorizaam applrea to aI1I checks receved durirp tha bNling cycle cyan if sent by summoner elm. If we cannot process the traroier, you autarize us to make a large ag imen your bank acmnt using the check, a paper drab w other hem. /+',.???,,? ?:d?11dlojg' what's in your wallet?' HAROLD M STEENBURG It could happen to anyone. Make sure you pay the amount 053 due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES by *1 payment. (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) m 2006 Capital One Services, Inc. Capital One is a federally registered service mark. AU rights reserved 053-08106 Ca¢?I PLATINUM MASTERCARD ACCOUNT AUG 28 -SEP 27, 2006 Qllft Hassle 5178-0522-0067-0905 Page 1 of 2 Account S uvtmatY REWARDS" Payments, Credits and Adjustments Previous Balance $2,388.78 1 09 SEP Cap 1 ElectronicPhonePmt AuthDate 09-SEP $100.00- Payments, Credits and Adjustments $100.00 Transactions $145.11 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If Finance Charges $57.34 you have already made your payment, please accept our thanks. New Balance $2,491.23 Transactions Minimum.Amrnmt Ihie $291.23 Payment Due Date October 27, 2006 2 o9 SEP OVERLIMIT FEE $29.00 3 o9 SEP PAY-BY-PHONE FEE 10,00 Total Credit Line $2,200 4 16 SEP NCR 1-800-645-9430 #64333857 49 95 Total Available Credit $.00 . 5 27 SEP PAST DUE FEE 35 00 Credit Line for Cash $2,200 Available Credit for Cash $.00 . 6 27 SEP PAYMENT PROTECTION 1-888-527-6904 21.16 Your account is one payment behind. Remember that making your minimum payments by the due date, keeps At your service your accountm. in good standing. When you miss a payment, late fees start adding up. And nobody wants that. To call Customer R&tiom or to report a lost or stolen card: So make sure you send in the minimum amount due on your statement to k your account in goal standing 1-800-903-3637 and to keep from paying extras tees. "Important Notice" Consistent with your initial disclosures, due to your account being past Send payments to: Send inquiries to: due, the rewards you earned in your previous billing cycle were forfeited and deducted from your Attn: Remitt- Processing overall balance. Capitat Oae Bank Capiul One P.O. Box 70884 P.O. B. 30185 Chlottq NC C 28172-0884 SLC SLC, UT 84130-0285 As of 09/27/06, your current No Hassle Rewards balance is $1.00. Please note that rewards information reported here may not reflect all purchases on this statement or recent redemptions. Simply go online to www.capitalone.com/cashrewar8s when you are ready to redeem. Important Account Information NOTICE: Look for a new statement design for your Capital One credit card beginning nett month. Beginning October 1st, 2006, based on your account activity A summary of the key changes will be provided with your new statement. you may be assessed more than two late, overlimit, or returned check fees that occur during any billing period. Flumce Charges Plearetee reversesidejor important inf2vmmation 60 Belaratr P-od. Cm admg Ma .epplirdto resit r- PURCHASES $1,864.17 .07712%D 28.15% $44.57 CASH $534.21 .07712%D 28.15% $12.77 ANNUAL PERCENTAGE RATE applied this period 28.15% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2491230100000291235 New Balance $2.491.23 Minimum Amount Due $291.23 Payment Due Date October 27,207 Total enclosed $ Account Number: 5178-0522-0067-0905 Capital One Bank P.O. Box 70884 11111 11111 111 111 11 111 Charlotte, NC 28272-0884 111111111111111111111111111111I11111111 111111 1111 111111111111I Please write yaw servant number on you Planpr;,st?'ngaddrrra? rnwi/rlnmdrrbr! uriugb! orb/abin.E Saes Apt # r`wry Stare ZIP Home Ph.. Altecnatt Phone #9027156678636515# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR o CATAWISSA PA 17820-8412 m ° ? 111111111111111111111111111111111n111111111/11111111111111111 check or money older made payable to Capital One Bank and mail in the crndwed envelope. r I. rlaw TO Awn A Frraa Charge. ta. grow Period. You will have a minimum grace period of ppeelrOdit rate. To Obtain the average daily balance for the dllirg eriod covered b this statement vv t k th your lexxtad if it has already been dosed. For example. if l d d 25 days Athar t firance charge on new prdharea, reps P , e a e e y begirrwng balance of each segment each day, add any new you aul n ze a purchase fran a merchant and we receive the trmuactlm from the merchant after your balance transfers, now apedal gre ases and new other charges if you pay your tool 'New Balance', in veraectie to earn segment, and ab[ract my payments w credits. (If the code N appears On the front of this amount has been dowd, you accouas All be mopened, the amour of the charge, your cco I deed to s m, ararelis with the Important Notice for payments below, and in time for h ro by you noted statement be credtd stnemned next to -Balance Rate Applied To,- vve also subtract any upaid finance large Yduded in the balance and yyuo[r veil be f them i e monberahip fee for your anmrm, Its fee WN continue doting dote. There ie ro grace period on rash ad.- and special transfers it, addition tare is ro ace eriod of each aegn 1 TNa gives us the daily batarwo of each ll s n iT ?t dd h l m be charged, to the extent pemird by law, aril the . , g p ray treneactlon If you do rot pay the tntel 'New ' up a eg errc. art we a t e da ly Dalarcea fa each aegnont for t e billing period and divide by the total acorn[ balance has been paW in fill as defined above. 7. ()atg You Aoooud.Var card or account cars m be balance. nmber of days in the billing period. TNa gives us the used N connection Wth any Internet ga blirg b.m ing F k ?phr< a r averega daily balance of each segment. tunasctfps. ? m a eR rile 1) 3. Amyl Proartaga Rats (AP1t1. 8. Nsdw Aber E lowwdo CMok Conversion. When you from the date of the trerractlon w 2) frown the eau the a. The term 'Annual Percentage Rate' may appear as provide a lack as payment, you authorize us enter to transaction is pr= to your Account or 3) (roan the 'APR' on the front of this statement. use information from your deck to make a ore-time first celadar day of the =W t DiNirhQ period, Addrtiaagy, ' b. If the code P (Prime), L (3-mo. LIBOR), C (Certificale of electronic fowl transfer from yar bank accost or to if you rid rot pay the anwo from the previow . Deposit), oI S (Bonkcerd Prime) appears on the franc of p- to Payment s a tack trrsectim. When we billft period in fill, finnnce charges torhdrwse m accrue to this wommem next to to periodic rinds), the periodic use informatcn from your ch ck to make an electronic you urpekl balance urdl the unpaid belaroe is paid in full, rates and corresponding ANNUAL PERCENTAGE RATES fund transfer, fads may be withdravm from your bank TNa means that you may dY owe fit.- charges, even if you pay the odre New Balance indicated on the front of may vary quarterly and may increase or decrease based On the aided irdcea as fa d in Th W il St t account as soon as the same day we receive you d Your raromom by the nna sretentont biasing date, hurt rid 1 , ra e a ree Jourrsel, pt¦ the margin previarely diacload to you. you veal not receive your tleck beck from paymerr, en your Rnandal instltutbn. not d. for the previa® monM. Unpaid finorxe charges Thee dareea vAI be effective on tM flrat day of your re added m tfe a aegnont of ynr Axorm. 't c. klYlrrun ('khrsa .For eeM bilirtg peed that our expo[ la sWect to a flrhrhee c n ni i billing plod ooverod by your periodic statement erring in the mamba Jaaary, April, JWy od October. If h d D P i F 1 BIW NG RIGHTS SUMMARY (In Case Of Eros Or Ouestions About Your Bill) y ha ty, a r rn nun total RNANCE CHARGE of >0.50 wig be krpoood. If the [veal flnorwx h f lti h N tl f c. t e co e ( r me), ( -rn LIBOR) or G (3-mo. LIBOR Repriced MattNy) apPeau on to frwn of yar If you think your bill is Wong, or If you reed more Inmmnaton on a tra sectim or bill, write to us on a c arge resu ng rom t e app on o your .code moda) la lase then 0.50, we g subtract cat statement next to the pedodc rate(s), to ppeMdadc rates and cerreapondrq ANNUAL PERCENTAGE MTPS may separate sheet as well ea posaide at the atltlneas for inqurhes aheyel on the from of Mier naaman. we must emouax from the 80.50 minimum and the difference will be vary menthiy end may increase w decrease bead m the hear Tram you ro lams than BO days after we earn Yon tIe billed to the purtlme ssgnent of your amount. stated indices, as ford in The Wall Street Jwvas/, pus fist hiY on Wick the error w prabiem appewo Vau can t d. Trrparry Rtlslisr in IF ` ss erg We reserve Me ! the margin previously disclosd to you. These dhergea tell err (:ustana Relations number, but ddrq s will not dtht ro rot aseoas any or ail flrance tlsrg. fw any given Will be efbcgve on to That day of yot[r billing peril Pmaerve your right.. In you' lamer, give us the fdlaW g khg period each month. ntomnaton: your name and Octant number, the dollar 2. Avraga Daily Balsas I New Rr-1- 4. AssarruK M Late, Overholt and Raluhad ZT: Fss. amount of the suspected error, a drptl- of the error e. France large is celaaatd y muttipyirp the daily Your eccom will be asaeesed ro more Than two of the tees and an etplanstion, if poacetle, of why you bolieve tare is belerca of eedh segment of your axoatt (e.g., rash listed here that oxur during any billing period. Under 111a an error; or 1f yea nod more Inrormetion, a descriplon of advance, purtiha , .pedal [refer, ant aped I purrdhasel hems of your customer agreemont, five reserve the right to the Item you are unsure sham. You do not have to pay any by the correapanhdrhg daily pentode rte(s) drat hem hem prevkwdy diadoad [o ou At the end of each da dru wale or not to asses. any fees without prior notification to i itl t l i h t h i il amount In quedon wine vve are Investigaing It, but you y . y g hod WYng peed we apply the deYy pedodc rare mr each rg our l ya w xe wa v g t o assess t e same or s m ar tees eta lamr time re still obligated to pay the pans of your billl the are not In uesti WNI i ti [ , s grant of yon accarn to the dail bda . of each . 6 tRarr..bV Yesr Aeewd If a m"b`r9N fee q on. e we nvea ca rrot ge e M wel re on o d ll t t k i ll h y segment. Than at the and of the bits w ' e, add up e . . p appears on the trend of this statement, you have 30 on m to to co e any y act gi y u as e or a masn ect ect t e am. you question. Z=1 thes culations ro entw at your l days from JIM date this statement was mailed to you to f der or rile ae(imatt. We add tip Me avoid paying the fee or to have such ice credited to you 1,t Special Rule For Credit Card Purchases results feach segment to arrive at to total periodic finance charge for your amount. To get the daily balance, for each segment of your erinuht, we coke the begirwsrg if you cancel your accom. During this period, you may continue to use Your account vatth having to pay the embesNp fee. To carcol your accent you moat Ii you have a problon with the quality of praperry or t helots on each aegnont end add anyy now tronsectie and di fi c l l d rr , tify us by calling our Convener Relations Depenment ' ' eeMCee that you purdasd Wth a credit cad end you fhave fried M good faith to conem the problem with the ppaero c nance harge ra any a w m the previous day's beleroe for that segment. We [fen abtrect my and pay yyour Ik:w Beleroe in fiYl (excluding tIe membesNp feel prior to The the W rt -der rid merchant, you may hew the dgN mat to pay the remaining paymerws or credo phaed s of tat day that ere allacatd . & M You Class Y- Aoaouat. Vou can requesYta dose Z can amount ere on the p Try or eeMC «. You have this m aYy When' ""' purchase p1 amore than m tat aegrtenn. TNa gives is the separate, dally belanc?a mr sae sag rantt of your arzo nt. Howeve , If you paid the yyour axant by telling our Gassman Relations Department. You coos des C your credit cad(s)and 4 >50.00 end the port sae was made in your home ante a New Balarca alhovsn on your previos aatmhdw in fill (w exoum access checks, caned all preeunledzed billing, WtNn 100 miles of your mailing ddress. !Ii we own or operate the merchant or if yve maailed you the if your rep balance was zero or a .dt amont), rep trasections vvfnich gist d l your accor m. If do net cancel and cease us n 0 you preeuttlerized ling errengementa we will conceder , advertisement for tlhe or eeMces, all rchasee W ==L; pudaae eegments am balencaa. W. ralasate the average daily balace by adding ell the daily , receip of a charge your autlarizat.- to seappeen your account. Additionally, your account WII rat be load am covered regardesa o amount or art of purchase.) Please remember to sign all comespondence. balances together end dvidng the man by tfe amber of the days n the arrant biting cycle. To calaiete your total until you pay all amounts you owe us i"loding: any tramadi you u It— 6utfarizd, finsrwx clargee, peat t Ooes cot eppty to avsumu zancrdir cent accounts deluxe rfodhe I c?rete sited b a er s o days balace by the y by the nmb in the billing de fees, overiimit face, returned payment tees, cash advance fees and any other face aaaeasd to your Y foes rot apply to business ronadk cell accounts pd . To sanding on e dally basis, them may be a cent. You am responsible for these amounts wheter algN rlance betweon his celolatonh ant tlhe amount of they appear on your account et the tlme you request to Capital One auppon. ktormaton privacy protection: aw our flrhahte charge acnreYy ea eased. Z71 f b If tI d Z N h f dose the ecewnt or they we Incurred abeequem to websita at www.ceptaloe.com. Captal One Ie a ted rNl h d i k f C i l e . rom o . o e or appear on t e his atetemem ram to 'Balance Rate Applied To,' we multiply The your request to dose the accent. TNa may result in cherges appearing on your axant after you have y rags a er serv ce mar o ta ap Ora Fnsndal Corporation. WI rights reserved. 0 20W sows del balance of each cot b madY re arrested the accent to be dosed Or her ni of Capital One Ol LGLBAK g O I F brprtrrt Nstbe: Payrsnte you mail to tae will be, credited [a your accoun as of the burdrass ley we, receive It, provided (1) you sod the Donam portlon M his natemem end Ywr dark M tie ahcbaetl remittance mvelOpe and (2) your Payment Is recolvd in err procoaalng tatter by 3 p.m. ET (12 moan PT). Please allow at lean tve 15) bualness days far postal delivery. Payments received by us at any char l cation or m any atlas corm may net bboo crodtd as of the derv we Twelve them. Our business days ere Monday tMwyn Satwday? exdudng hdideys. Please do not use sups, paper dips etc. Wwn preparing your pa em. When you sad u a deckle), you aWerize u to make .anti-Time dectranic transfer debit from your bank account for to amonrt of the lack'TNa authorization appree to all ciacka removed durin!l1 e dlNng cyde even if sent by someone else. If we carrot Process the transfer, you authorize us to make a large against your bank accarn wing the deck a paper daft or other Iran 999 Capita/4w Your Credit Future Is In Your Hands what's in your wallet?- Capital One' wants to give you all the help we can in managing your finances. To make the most of your time and money, take the following steps to maintain your good credit. CHECK IT: Review your credit report at least once a year to check for errors or fraudulent activity. FIX IT: Contact the credit bureaus and credit card providers to correct mistakes on your credit report. USE IT: Demonstrate wise use of credit. Make purchases regularly and pay your account on time. WATCH IT: Maintain good credit by keeping your balance under the credit limit and pay your bills on time. CONTROL IT: Moderation is key. Don't max out your credit. 998-1101 PLATINUM MASTERCARD ACCOUNT AUG 28 - SEP 27, 2006 Q l ie 5178-0522-0067-0905 Page 2 of 2 Account Summary REWARDS- Congratulations on another year of benefits from National Card Registry. Your annual membership fee has Previous Balance $2,388.78 just been renewed. The annual membership fee for National Card Registry has been automatically billed to Payments, Credits and Adjustme nts $100.00 your Capital One credit card so you can enjoy uninterrupted service. If you have any questions, Transactions $145.11 please call the membership number listed above in the transaction section of your statement. Finance Charges $57.34 Please continue to enjoy the savings and peace of mind that National Card Registry provides. New Balance ;Minimum .Amount Due $2,491.23 $291 23 You were assessed a past due fee of $35.00 on 09/27/2006 because your minimum payment was not received b the due date of 09/27/2006 To avoid thi f i th f d h Payment Due Date .. October 27, 2006 y . s ee n e uture, we recommen t at you allow at least 7 business days for your payment to reach Capital One. Total Credit Line $2,200 Total Available Credit $.00 Credit Line for Cash $2,200 Available Credit for Cash $,00 At your wrvice To call Customer Relations or to report a lost or stolm card 1-800-903-3637 Send paymau to: Send inq- to: Attn: Remittance Prooraaln8 Capital One Bank Capital One P.O. Box 70884 P.O, Box 30285 Charlotte, NC 28272-0884 SLC, UT 84130-0285 Important Account Inform tIon v, m V PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052200670905 27 2491230100000291235 New Balance $2,491.23 Minimum Amount Due $291.23 Payment Die Date Octolxr 27, 2006 Total enclosed $ Account Number. 5178-05224067-0905 Plearep,mt-Imgadbeua? e-nvi/dnmgrrbe[ rruegb! orbl.*mi S- Apc Y Ciry Snu ZIP Home Phone All-,, Pb.. Capital One Bank P.O. Box 70884 Charlotte, NC 28272-0884 #9027156678636515# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA PA 17820-8412 Please unite your account number on your ehe i or money order made payable to Capital One Bank and moil in the ene1 ed envelope. Capitalone® what's in your wallet?- The steps to maintain your good credit are provided by Capital One, in conjunction with Consumer Action (www.consume-tlon.org). m soot Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 0 oR 09 F N ? ImpergM Modoe: Payments you mall to uc wMl be credted to your acoan[ as of the budracc day we recdvo h, provided (1) you sand the bottom pond- of tNa rtatanem and your I,- k tits encbsed remlttarrce envdope eM U) your paymem is received In au roceaaing cemer by 3 p.m. ET 112 noon PT). Please allow at lean Ave (5) bdrasa days for postal deb Paymarta recdved by w rt any other bcedan or in any otMr torm may nol be credted as of the dayy we receive them. Our bwineea days are MorNley throu$t Saturday, ettlWng hdiaye. Please do rrot use rteplee, paper d'?n etc. wtren praperinp Your peYmem. When You sand tw a =heckle), yw authorize is to make a ants-time electron== tramter it fran ycur bank accoun for the emoutt of the check This euthorizaticn aPPlros to ab checks racerved during the bigirg cycle even if aem by someone des. IT _s carrot proceac the twrreter, you authorize ua to make a charge egairret your bank sawn udnp the clack, a paper dreh or otlar hen. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,491 23 - $150 00 + $55 12 + $31 41 = $2,427 76 $227 76 Nov 27, 2006 Sep 28, 2006 - Oct 27, 2006 Page 1 of 1 PEASE PAY AT If4{T rd h AWuKT MasterCard Platinum Account 5178.0522.0067-0905 (ZhNoHaZle Your Account Information REWARDS TOTAL CREDIT LINE $2,20000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $2,20000 AVAILABLE CREDIT FOR CASH $0 00 Finance Charges (Please see reverse for important Information) Balance rate Periodic Conesrng FINANCE applied to rate APR CHARGE Purchases $1,85046 007712%D 2815% $4281 Cash $53201 007712%D 2815% $1231 ANNUAL PERCENTAGE RATE applied this period. 28.15% AIN At Your Service 1.800.903.3637 To call Cusbmer Relations or to report a lost or stolen card ® Send payments to. Capital One Bank P 0 B. 7D864 Charbrie, NC 28272{984 A Send inquiries to. Capital One P 0 Box: 30285 Safi Lek. cny, UT 8413D 0285 Q For more Information on your Rewards. Vail ~Nokpitelagmmtcashrewerds Cell 1.80D.228-3001 6056 506 1 7 27 061027 capitalo1C what's in your wallet7 Rewards Summa Previous available balance $060 Earned this period $022 (ralledt transactions posted dudrg this bilkV cycle) Foreiled this period $036- Available Balance $066 Payments, Credits & Adjustments 1 29 SEP Cap 1 Eledro cPhonePm I AuthDate 29 SEP $150 DD- Transactions 2 29 SEP PAY-BY-PHONE FEE $1000 3 27 OCT PAYMENT PROTECTION 1-888-527.6904 $21 At PAGE 1 of 1 COLR233A 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052200670905 27 2427760150000227764 New Balance Minimum Payment Due Date $2,427 76 $227 76 Nov 27, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed . Capital One Bank i?irlrrllrirllriril? P.O. Box 711684 Charlotte, NC 26272-0664 ?ulillului?elluT?ulrlllurlnlr?nlnlu?lnlrilulinrll Account Number. 5178-0522-0067-0905 Please print address or phone number changes below using blue or black ink Address Home Phone Alternate Phone E-mall address @ a9D3015667663651Da MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA, PA 17820-8412 uTlllurllulur?r???nr?n?ululnTlluldu?d?T?ntllu 7081621 Please write your account number on your check or money order made payable to Capital One Bank and mall with this coupon in the enclosed envelope FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,427 76 - $ 00 0 +( $58 75 + $57 44 = $2,543 95 $343 95 Dec 27, 2006 Oct 28, 2006 - Nov 27, 2006 Page 1 of 1 PLEASE PAY At LEAST 1118i MOM MasterCard Platinum Account 5178.0522.0067.0905 Your Account Information TOTAL CREDIT LINE $2,20000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $2.20000 AVAILABLE CREDIT FOR CASH $000 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,912 76 0 07712% D 2815% $4573 Cash $544.41 0 07712% 0 2815% $1302 ANNUAL PERCENTAGE RATE applied this period. 28.15% Q At Your Service 1.800.903.3637 To call Customer Relations or to report a lost or stolen card Your account is one payment behind Remember that making your minimum payments by the due date keeps your account in good standing Fuller missed payments may be reported to the national credit bureaus So make sure you send in the minimum amount due to keep your account in good standing "Important Notre" At this time the are unable to provide your Rewards Summary To review your current Rewards balance or addtional Rewards information, please call the number on the back of your credit card We apologize for any inconvenience this may cause Pavments. Credits & Adlustments Transactions 1 27NOV PAST DUE FEE $3500 2 27 NOV PAYMENT PROTECTION 1.686-527-6904 $22.44 You were assessed a past due fee because your minimum payment was nit received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to react Capital One ® Send payments to. CapKW One Bank P 0 Bm 70884 Charlotte, NC 28272-0884 A Send inquiries to. Capital One P 0 Bos 30285 Salt Lake City, UT 84130-0285 6056 506 1 7 27 061127 PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052200670905 27 254395015D000343956 capitalae what New Balance Minimum Payment Due Date L$2,543 95 $343 95 Dec 27, 2006 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital Ona Bank r?rr?re??rr??rrrrr?? P.O. BDk 70664 Charlotte, NC 28272-0884 Account Number: 5178-0522-0067-0905 Please print address or phone number changes below using blue of black ink Home Phone Altemafe Phone E-mail address Q +9033256678636515a NAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA, PA 17820-8412 rtr 111 nr 11. r 1 ur 1 r 111 11E 1 11 1 rr 1 n I r u l I n 1r 1 n 1 r 11 r 1 nr 1111 7081621 Please write your account number on your check or money order made payable to Capital One Bank and mall with this coupon in the enclosed envelope FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,543 95 - $0 00 + $59 55 + $58 48 = $2,661 98 $461 98 Jan 27, 2007 Nov 28, 2006 - Dec 27, 2006 Page 1 of 1 PLEASE PAY AT IfAST TW AMMIAT MasterCard Platinum Account 5178.0522.0867.0905 AfOHassle Your Account Information REWARDS TOTAL CREDIT LINE $2,20000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $2,20000 AVAILABLE CREDIT FOR CASH $000 Finance Charges (Please see reverse for important Information) Balance rate Periodic Corespondmg FINANCE applied to rate CHARGE Purchases $2,016.40 0 07712% D 2815% $4665 Cash $557 36 0 07712% D 2815% $12 90 ANNUAL PERCENTAGE RATE applied this period. 28.15% Q At Your Service 1.800.903.1637 To call Customer Relations or to report a lost or stolen card ® Send payments to. Capital One Bank P 0 Box 708M Charlotte, NC 282R-0884 A Send inquiries to. Capital One P 0 But 30285 Salt Lake City, UT 84130-0285 Q For more information on your Rewards. visit www cspealone.cor1wor5tlrewalds Cal 1A00.228-3001 6056 506 1 7 27 061227 Capit-,O l wher's in your wallet) You're behind by two payments Let's talk. If you're having financial difficulties and can't make your mnnlum payment - we want to help Lees work together to find a solution that works best for you Give us a call at 1 800 955 7070 Rewards Summa Previous available balance $066 Earned this period $012 (re taids trarsadions posted during this baling cycle) Available Balance $078 Payments, Credits $ Adjustments Transactions 1 27 DEC PAST DUE FEE $3500 2 27 DEC PAYMENT PROTECTION 1-888.527.6904 $2348 Linder terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 biting cycles If your rates have already increased, subsequent delinquencies extended the duration of the increased rates Remember If we receive your mr mum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR You are a valued Payment Preechon customer and may be eligible for benefits to be paid to your account per the terms of your Payment Protection agreement. If you have experienced an eligible loss event, please call Stonebddge Benefit Services at 1-868-527.M to see if your situation qualifies for benefits Your account is 60 days past due and your coverage will be suspended if it readies 90 days past due, as stated in your Payment Protection agreement. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052200670905 27 2661980150000461982 New Balance Minimum Payment Due Date $2,661 98 $461 98 Jan 27, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70884 Charlotte, NC 26272-0864 111111 1111 1111 1111111 1111 11 111111 111 11111 1It I II VIII III ur Account Number: 5178-0522-0067-0905 Please print address or phone number changes below using blue or black ink Home Phone Altemare Phone E-mail address @ 090362566766316512411 MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAIIISSA, PA 17820-6412 I n I I I n r 11 lr 11111 r 111 nr 1 n 1n 1 n 1 nr 1 in I I In I r 11 r 1 l it I I n 7081621 Please write your account number on your check or money order made payable to Capital One Bank and mall with this coupon in the enclosed envelope FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,661 98 - $0 00 + $64 41 + $59 57 = $2,785 96 $585 96 Feb 27, 2007 Dec 28, 2006 - Jan 27, 2007 Page 1 of 1 PLEASE PAY AT UAST W AM(klwT MasterCard Platinum Account 5178.0522.0067.0905 ChLNOHassile Your Account Information REWARDS TOTAL CREDIT LINE $2,20000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $2.20000 AVAILABLE CREDIT FOR CASH $0 00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $2,12349 0 07712% D 2815% $5077 Cash $57063 007712%D 2B 1546 $1364 ANNUAL PERCENTAGE RATE applied this period. 28.15% Q At Your Service 1.800.9033637 To call Customer Relations or to report a lost or stdan card 0 Send payments to. Capital One Bank P 0 Box 70884 Chanute. NC 282724)884 A Send Inquiries to. Capital One P 0 Box 30285 Sell Lake Oity, UT 8413D-02B5 Q For more information on your Rewards. Visit wow mpilalme.camkashrewerds Cell 1-BOD-229-3001 6056 506 1 7 27 070127 G'apital0ne, what's in your wallet' You're behind by three payments That means you are temporarily unable to make new purchases or get cash advances. But you can regain your Capital One charging privileges and bring your account back into good standing by paying the amount due on your statement. If you're having financial dlf culbes and youYe feeling overwhelmed - we want to help. Give one of our associates a call at 1 ODD 955 6600 You'd be surprised what we can do together to work this out Rewards Summa Previous available balance $078 Earned this period $012 (rekeds transactions posted curing this billing cycle) Available Balance $090 Payments, Credits & Adlustments Transactions 1 27 JAN PAST DUE FEE $3500 2 27 JAN PAYMENT PROTECTION 1-688-527-6904 $2457 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles If your rates have already increased, subsequent delinquencies extended the duration of the increased rates Remember If we receive your mnimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will rot receive your check back from your financial institution You were assessed a past due fee because your mnanum payment was not received by the due date. To avid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One PAGE 1 of 1 OIBC6055 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052200670905 27 2785960150000585968 Account Number: 5178-0522-0067-0905 New Balance Minimum Payment Due Date $2,785 96 $585 96 Feb 27, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed L Capital One Bank P.O. Box 70684 Charlotte, NC 26272-0664 Please print address or phone number changes below using blue or black ink Home Phone Allemate phone E-mail address @ x10026566766365191t NAIL ID NUMBER HAROLD N STEENBURG 724 SOUTHERN DR CATAWISSA, PA 17820-8412 I oil III nIILl?nr?L???uL?nlnln1nsl11111111 111111111HII 7081621 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,785 96 - $0 00 + $67 41 + $60 70 = $2,914 07 $714 07 Mar 27, 2007 Jan 28, 2007 - Feb 27, 2007 Page 1 of 1 PLEASE PAY AT IFAST TWS AWXMT MasterCard Platinum Account 5178-D522.0067.0905 CIAO! /aATllf.A Your Account Information REWARDS TOTAL CREDIT LINE $2,20000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $2,20000 AVAILABLE CREDIT FOR CASH $0 00 Finance Charges (Please see reverse for inportant information) Balance rate Periodic Conespondng FINANCE applied to is APR CHARGE Purchases $2,23512 007712%D 2815% $5344 Cash $584.43 0 07712% D 2815% $1397 ANNUAL PERCENTAGE RATE applied this period. 28.15% Q At Your Service 1.800.9033637 To cap Customer Relations w to report a Ios1 w stolen cad ® Send payments to. capital One Bank P 0 Box 70664 Charlotte, NC 26272-oe84 e Send inquiries to. Capital One P 0 Box 30285 Salt Lake Cay, UT B413D-0285 Q For more information on your Rewards. Mist vmw cap8elane.canhzsMewerds Cal 1$00-228-30DI You're behind by four payments You AN can't make any new purchases or rash advances on your account But you can still regain your charging privileges and bring your account back into good standing by paying the amount due on your statement within the next 30 days Unfortunately, d we don't receive a sufficient payment, we may have to permanently suspend your charging privileges. NEW help? Give us a call at 1800 955.6600 Well work together to see what your options are to rebuild your account status Rewards Summa Previous available balance $090 Earned this period $013 (ralleds transactions posted during this bang cycle) Available Balance $103 Payments, Credits & Adlustmerlts Transactions 1 27 FEB PAST DUE FEE $3500 2 27 FEB PAYMENT PROTECTION 1-666-527.6904 $2570 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due wince in the past 12 piling cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates Remember if we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR Your account is 90 days past due and your Payment Protection coverage has been suspended As stated in your Payment Protection agreement, your coverage and monthly charge will be reinstated once your account is no longer 90 days past due You may still be eligible for benefits to be paid to your account for loss events described in your Payment Protection agreement Call Stmebridge Benefit Services at 1-08&527-6904 to see d your situation qualifies for benefits You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reads Capital One "' Please Note "' Some of the terns of your account are changing Please read the enclosed nobfication 6056 506 1 7 27 070227 PAGE 1 of 2 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052200670905 27 2914070150000714072 Ci3p/11???" what's in your wallet Account Number. 5178-0522-0067-0905 New Balance Minimum Payment Due Date Please print addressor phone number changes below using blue or black ink $2,914 07 $714 07 Mar 27, 2007 Address PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed C Horne Phone Ahemate Phone E-mail address @ +9005956678636514# MAIL ID NUMBER HAROLD M STEENSURG 729 SOUTHERN DR CATAWISSA, PA 1782D-8412 Capital Ono Bank P.O. Box 70884 Charlotte, NC 26272-0884 7081621 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,914 07 - $0 00 + $63 61 + $35 00 = $3,012 68 $812 68 Apr 27, 2007 Feb 28, 2007 - Mar 27, 2007 Page 1 of 1 PLEASE PAY AT LEAST 1111t.1Ai Jt,7 MasterCard Platinum Account 5178.0522.0067.0905 (?N0 Hiiii Your Account Information REWARDS TOTAL CREDIT LINE $2,20000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $2,20000 AVAILABLE CREDIT FOR CASH $0 00 Finance Charges (Please see reverse for important in Mahon) Balance rate Periodic Correspondng FINANCE appfedlo rate APR CHARGE Purchases $2,34798 007712%D 2815% $5070 Cash $597 87 0 07712% D 2815% $1291 ANNUAL PERCENTAGE RATE applied this period. 28.15% Q At Your Service i-800.903-3637 To cag Customer Resat oils or to report a lost or stolen recd ® Send payments to. Capital Ore Bards P 0 Box 70880 Chadoda, NC 28272-01188 A Send Inquiries to. Capital One P 0 Bw 30285 Sett Lake City, UT 84130-0285 Q For more information on your Rewards. Vad www repitetone.comicashrowerds Cal 1400-228.3001 6056 506 1 7 27 070327 CzrP%tW0w* what's in yourwallet) You're behind by five payments so we've penoanenly suspended your charging privileges If you don't make a sufficient payment within 30 days of the Payment Due Date shown on this statement, well charge off your account and report the charged-off status to the national credit bureaus Please donl let this happen If you're feeling overwhelmed, call us a118DO 955 6600 Well work with you to resolve this matter Rewards Summa Previous available balance $103 Earned this period woo (raserss transactions posted dunrg this being cTria) Available Balance $103 Payments, Credits & Adjustments Transactions 1 27 MAR PAST DUE FEE $3500 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased wee your account was past due twice in the past 12 filing cycles If your rates have already increased, subsequent delinquencies extended the duration of the increased rates Remember If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR Your account is 90 days past due and your Payment Protection coverage has been suspended As stated in your Payment Protection agreement, your coverage and monthly charge unit be reinstated once your account is no longer 90 days past due You may still be eligible for benefits to be pad to your account for loss events described in your Payment Protection agreement. Call Stonebridge Benefit Services at 1-886-527-6904 to see it your situation qualifies for benefits You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One PAGE 1 of 1 01BC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052200670905 27 3012680150000812684 New Balance Minimum Payment Due Date $3,012 68 $812 68 Apr 27, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed L .7 Capital One Bank P.O. Bok 70884 ILIrEILr illy Erl till Erll Charlotte, NC 28272-0884 11111111111111111111111111111if 11llrlrrllllLtllrllrlllrlllllll Account Number. 5178-0522-0067-0905 Please print address or phone number changes below using blue or black ink Address Home Phone Akemate Phone E-mail address @ +9UU8756676636515# MAIL ID NUMBER HAROLD M STEENBURG 729 SOUTHERN DR CATAWISSA, PA 17620-8412 nrlllarllulurlrlllurlEElnlnlurllnlilnlillrlw 7081621 Please write your account number on your check or money order made payable to Capital One Bank and mall with this coupon in the enclosed envelope FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,012 68 - $0 00 + $72 89 + $39 00 = $3,124 57 $924 57 May 27, 2007 Mar 28, 2007 - Apr 27, 2007 Page 1 of 1 PrEAW PAY AT LJE AST TIC AWINT MasterCard Platinum Account 5178.0522.0067.0905 QhtoHassle Your Account Information REWARDS TOTAL CREDIT LINE $2,20000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $2,20000 `AVAILABLE CREDIT FOR CASH $000 Finance Charges (Please see reverse for important information) Balance rate Periodic Conesponding FINANCE applied to rate APR CHARGE Purchases $2,437.42 0 07712% D 2815% $5827 Cash $61162 0 07712% D 2815% $1462 ANNUAL PERCENTAGE RATE applied this period. 28.15% Q At Your Service 1.800.903.3637 To call Customer Relations or to report a lost or stolen card ® Send payments to. Capital One Bard P 0 Box 708M Charlotte, NC 28272-0884 A Send inquiries to. Capital Ore P 0 Box 30285 Set Lake City. UT 84130-0285 Q For more information on your Rewards. Visit wow mpilalme.canMastreivards Call 1b0D-228-3001 6056 506 1 7 27 070427 CiriwafOie" what's in your wallet? Your account is six payments behind If we charge o8 your account due to late payments, we will report the charged-o8 status to several national credit bureaus, and the Purchase APR as reflected on this statement will be applied to all your outstanding balances Act now to prevent this from happening Please pay the amount due on your statement or give us a call at 1 800 955.6600 Well work with you so you can take control of your account and start rebuilding your credit wM Capital One ..11 rlan1 Notice" Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately However, Capital One has elected not to rase your APRs at this lime Please be advised that if you fail to keep your accent in good standing, Capital One reserves the night to raise your APRs in the future Rewards Summa Previous available balance $103 Earned this period $0 00 (releds transactions posted during ft billing cycle) Available Balance $1 03 Payments, Credits & Adjustments Transactions 1 27 APR PAST DUE FEE $3910 Your account is 90 days past due and your Payment Protection coverage has been suspended As stated in your Payment Protection agreement, your coverage and monthly charge will be reinstated once your account is no longer 90 days past due You may still be eligible for benefits to be pad to your account for loss events described in you Payment Protection agreement Call Stonebridge Benefit Services at 1.888-527-6904 o see if you situation qualifies for benefits You were assessed a past due fee because your mimmum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your mnmum payment to reads Capital One PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052200670905 27 3124570150000924570 New Balance Minimum Payment Due Date $3,124 57 $924 57 May 272 PLEASE PAY AT LEAST THIS AMOUNT Amount Endosed Capital One Bank P.O. Box 70664 lilrll"'11'1''11 rr 111 Charlotte, NC 26272-0664 11111111111r11111i1111111111111114111111 1ei111111111r1111111111 Account Number. 5178-0522-0067-0905 Please print address or phone number changes below using blue or black ink Address Home Phone Alternate Phone E-mail address @ #9011856678636518# MAIL ID NUMBER HAROLD N STEENBUR6 721 SOUTHERN DR CATAYISSA, PA 17620-8432 u1111n111u1u111111n11u1u1u1ni11n111n1111r1uillnl 7081621 Please write your account number on your check or money order made payable to Capital One Bank and mall with this coupon in the enclosed envelope 30-SECOND ACCEPTANCE CERTIFICATE Please select the Platinum Mastercard design you prefer: r If you do not check a box, upon approval you will receive the Remove sticker 1 Kente Cloth Platinum MasterCard. from letter ; 11.0 Kente clot, 12.0 Baptism and place here. Remove the sticker 13. 06enerations 14. EI Jazz Singer from the letter ; 15. Standard Platinum MasterCard above and place here. ' t 1. Tell us about yourself y Social Security Number ' b g--7 4 7 a o 8 5858455115739 012 011 Date of Birth °o d 6 D 4( S ? Harold M. Steerlbnrg C° Home Phone R2 B@- e7'nOZ- 7.2ei Sow TH,-RN Dt, 5 7 O- -3 S ?o - 27 4 S Catawissa, PA 17820-4600 s 2. Sign here I have read the Important Disclosures and Terms of Offer enclosed and agree to be bound as Pbate eroa .u ana Wea z specified therein. You are authorized to check my credit and employment history- rorrr or etldnea it n.m.q. ?2ggq?5 This offers nonlrarMerabk. Date Applicant Offer Expires: May 27, 2002 cu?? sbna1OfeM/go' d To avoid , provide as infon onflon requested. 5858-11 4113 i Please see the enclosed Important Disclosures for rates, fees and 1 other cost information. 1 7081621 EXHIBIT R "? L,` ?-'- ( L-c,'L ? CUSTOMER AGREEMENT io Capml Dne.0 We are pleased fl) open yo:u cmdd card a=DunL ht mnlains infDrmafion about your account Pieces=_ read I asd k-p if for y n this Agreement the worlds 'you; }•ouY and } ou s` lets fit each p5_-json vt e application and to anyone else who uses the account in any way. Each of y rally and jDinlly Dbfigated under this Agreement The words 'we," 'us' and 'D pital Dne Bank and its successors or assigns- We can decry enforcing our rig s Agreement wifhoul losing them our Amo ant. You can make purchases and obtain cash adrancees (a we ha that cash advances are an option for your accDunt) by using your cart. accou and any account a=ss chacks (including Purchase Checks, CDRHani:n Special Transfer Checks and other similar checks) that we may send to YD a provide you wA account access checks, we will tell you whether they wig s purchases, cash advances, or special bansfers. Unf?ss we tell you oth?n%s enca Checks wilt always be treated as cash advances. rd or amount cannot be used in canna lion with any )nlaret or illegal gamblin iDns. Your card and account may only be used for valid and lawful purpc-,; -s_ or allow somecine eke b use, the card or account for any impe nrmissibl you wig be responsible for such use and may be required to reimburse us an 'ard International Incorporated or Visa USA, )nc-, as applicable, for all amounts as we or they pay as h result of such impennissble us? do greater than the annual percentage rate that u•as d-r;cfDsad to you when you ree that we are not responsible if anyone refuses to hDnw your account If you d your account you may cancel it by calling our Customer Relations department straying your card(s) and account access checks within 30 days after you receive Equivalent Transactions. 11 cash advances are an op5Dn for your account you e your account to purchase items that are directly convey ble to caSh_ These cash lent transactions Wig be treated as cash advances and will be billed to the cash ,.,_ -_egm5nt of your account Cash equivalent transactions include the purchase of acsfer money orders, bets, lottery tickets, casino gaming cihips, and other similar as or services. Credit limit You were told your credit limit when you opened your amount You nay have different credit limits that apply to different segments of your account as purchases,-cash advances, and special transfers}. These aaffd limits wig be 5--d M your periodic statement You agree ID. make'purulases or obtain cash ices only up to the relevant credit limit We my increase or dectaase your credit at any 5m may fimil the amount that is available for rash advances, or may de ash advances enfimly from your account We may honor bansac iDak in exrss ,ur credit limit even if those transactions result in an werfinhit fee, and those actions and fee wig be covered by this Agreer -nt. ng Payments. You promise to pay us an amounts due resulting fmm the use of your ink indDdng any finance charges and other charges due under the terms of this amgt Payments must be made in U.S_ dollars. Payments made by a negotiable rmerrt such as a check Dr a money order must be in a form a Pfabia ID us and be n On a U_S- financial knsfdukbrl We may allocate paymrnfr among the various herds of your account in any way we determine. must pay at least the minimum amount due by the date requested on yDur statemant ,old a late payment fee. However, you may pay more than the midnmum payment or the balance in full- In any case, finance Charges Wig CDntintle to be assessed during g periods that you carry a balance regardless of whether or not your statement .,s a minimum payment due. inn accept tale- payments or partial payments or checks and money orders marked m-_nt in hug' or other similar language Without losing any of our rights under this eem. rut, including our right to receive payment in fut odic Statement Each month you have a balance in your account we veil send you itement shDwing all transactions biped to your account during the billing pe6D& The g periDd is the time from one statement dosing date though and including the red crrmenf closing date. The statement closing date determines the MDngl of a SpedfiC g periDi For example, your January bi6cng period is the billing period WA the tment closing date in January. nce Charge Information. ram Period. You will have a minimum grace period of 25 days without finance 3e on new purrhaseS, new balance transfers, new special purchases and new other ;s if you pay your total New Balance as shown on your periodic statement in fug n fime for d to be wedded by your next statement closing daL-- There is no grace d on cash advances and special transfers. In addition, if you did not pay $he total Balance ftDm the previous billing statement in fun and in lime for N to be credited by heat sletemenl closing date, there is no grace period on any lrannccUDn. rluing Finance Charge Transactions which are rat subject to a grace p_=rfDd are sed finance charge as Mows. sacfic,m made during the current billing period. from the transacioDn date. rted ftamacliDns and transactims made with account access checks: from the dale Drocessed to your account '^m rh- first calendar day of time vr1?n i_-11 this To g-=! fro daily balance for each segment of your account we tale the our hegirrt- b31a1-u.- bF Mch segment and add any nsw, transactions and any ,,o su -- cafcufe-=_d c^ the p?vi?w d?r's tat?nce teal Du segn?- We thin subtract any payments or credits, posted as of that day thal ass allocated ID M segment This gives us The separate daily balance for mach hts sege ndyouraccount Hov,,ever, if you paid the New Balance shown on your previous statemend in full for if your New Balanco was zero or a credd amDunt), Ve new fiansarcSons which post to your purchase or special purchase segments are nt not art to ffre day balances, To CA2 pour total finance charge, mui5ply your average daily balance by u, the daily p?d-c rate and by the number of days in the billing pnriDd. Due to be mm&g an a daily basis, there may be a slight variance between this w caLu?- me and the amount of finance charge actually ass. sed- F. Cash A vane Fem. If a rash advance fee applies m your account, you were g iDld 9-o be when you opemad your account The Fee wig be charged each time If you obtaer a cash advance and WE be added to the cash advance segment of e your a= DMA and will reduce your available credit. The amount of the cash d advance I--- will be added tD other finance charges on your periodic statement or for fie propose of calculating the annual pwr~nlage rate discDsed there. This may cat Ilia annual percentage rate di-clased on your statement to be t opened your account e a Feuguxnrwy RsducSor in Finance Charge. We resewe the right to not assess any Drag finance charges for any given billing pariod- Dfher Fees and Charges. The following fees may be billed to the purchase segment at your acmurst unless otherwise specified, in every billing period in which they apply. tare payment fee if we do not rec ive your payment in time far if to be aedled by the following statement closing date; overfimit fee if your account ;or any segment of your account) goes Dr says above any lemoorarily or pera-.arhentfy assigned c, edit fimk even if xe approved the overlimit amount at any Terra during the bifng cycle (regardless of whether you went Dvzrfimil as a resuk of a transaction, finance charge, or any other fee or charge); returned check L-_- krr>p sad every time a check is rabumed to us for any reason, or if we can.2n$ hmmrymx account access checks for any reason; and copying charges for duplicate copes of 'transactions or statements unless required for billing dspu€L re ofufiort Thep fees and charges will not be assessed if your billing address was k Puerto Rico when your account was opened. The fee and dh3rgV arrwtrnfs rsere d6cDS:_d to you when ybu opened your account if any of these fees or charges are changed subsegrre:nt to your account opening, you wig be adr'sad of tihe new amount Vile reserve the right to waive these fees vtglbDnf PdW MME;a5Dn to you- tJembersbip Fee_ If your account has a membership fee, if was disclosed to you mEm ym opened your account the fee will be billed to fhe? purchase segmentnfyDur account CreM BVmau tnfDrm35Dn. You agree that we may obtain your credit infoonaft from credit re_P-Bing agencies at any fime for the purposes of mornTrnirg your r r dd performance, managing your account and considering you for new offers and programs- Future Offars_ The femms of any future offer will be disclosed to you at the fime the offer s made If you accept an Dffer, the terms will become effective immeifsataiy unless otherwise specified in the offer. Defaulf. Vice may consider you to be in default under this Agreement rr (a) you fay ID pay the rriumirnum payment on fime, (b) you exceed your credit limit[ or (c) you pay rs wr`dh Funds that are returned for any reason. To the extent permitted by lart you may also be in default under this Agreement it.. (1) you violate any of the of3hes tmns of this Agreement, or any of the terns of any other agreement with us Dt any of our affiliates, or (2) you made any fake or mHead'rng stalam?n+s on your application, or (3) bankruptcy or other insolvency prom are crosklufed by you or against you. After you are in default (or after we, give you any nofice of or right to cure the default if required by taw), we may r Your accourd from new transactions, or close your account and demur urondiiale paymenl of thee entire outstanding balance. In addition, as a result of the default, your m'mirnurn payment may increase wdhoul advance nos; To the exlerd pe milied by law, you agree to pay all court costs and collection expenses iruursad by us in the collection of any amount you owe us under this Agmemr a;t if you default and we refer your account for collection to an attom=y who is not Dur salaried employee, to the extent permitted by taw, you agree to pay re bL attorneys' fees. You also agree to pay any costs we may incur in relrieudq your cards, including any costs we may incur by having your accourd placed on a nest iled list If You Chase Yaur ACCDunt You can request to dose your account by caffrng our CAsklmler Retafiores department You must destroy all cards and account access ohms s, cancel al preaul horized biffing arrangements, and cease using -*nr:mt if you dD not cancel preauthorized billing arrangements, we wig Notur OWN 30 W ruing Finance Charge. Transactions which are not subject to a grac.= period are sea frna charge as follows: :actions made during The current billing pal-0d: from the trznsection date. tad transactions and fransac5ons made with account access chDcl = from the dais r1sac6on is processed to your account- >acUDnS made prior iD the current bilfrrig p=eriod: from the first calendar day of the t brTfing period .navy, if you did not pay the New Balance from the prevtous biRng_ period in furl e charges confine to accrue to your unpaid balance until the unpaid balance is i full. This means that you may still owe finance charges, even If you pay the enfire 3atance kR-Zlad on the front of your statement by the na3 staterrrenf lasing date, d not do so for the previous month Unpaid finance charges are added to the able segment of your arzount. 7)Bnum Finance Charge. For each billing period that your account is subject to a charge, a minimum Iota) finance charge of $D.5D will be imposed. tf $he total a charge resulting from the applicafion of your periodic rate(s) is LaS than $D.51), ]I subtract that amount from the $DSD minimum and the ditiezrn>~ will be billed to iruiese segment of your amount fiodiic Rates We determine the daily periodic rate by dividing The annual percentage ry 365 and rounding it to the nearest 1/1DD,DDDSr of 1'k The rate may be different ich segment Of your account cash advance, purchase, special purchase, and a) transfer N applicable for your account}. You were told the daily periodic rate(s) you opened your account and it appears on your statement a)culating Fiance Charge, Finance charge is calculated by mu)5p)y'rng the daily ice of each segment of your account (e.g., cash advance, purchase, specal transfer, special purchase) by the corresponding daily periodic rate(s) that has been ously disclosed to you. At the end of each day during the biffing period, W2 apply The periodic rate for each segment of your account fo the daily balance of each lent Then at the end of the billing period. We add up the results of if se daily rtatiors to arrive 31 your periodic finance charge for each segment We add up the rs from each segment to ariva at the total periodic .trance dharye for your account n_rd and/or la mporarily or permanenfly suspend your credit privileges. This s, but is not limited to, situations where you have violated this Agreemee, orwhere ve reason to doubt your creditworthiness. Your obligations under NL; Agre?ment je after your rights to obtain credit have t=en lerminated or suspenrled_ We may n enforcing our rights under this who is nol our salari:sd emp)D)'ee, to the extent p_nniited by law, you agree to pay n: rabL: atbmeys fees- You also agrey to pay any costs we may incur in ne51i°ving your cards', nickidnig any sus we may incur by having your acEvuri pled on a rebid fist if You Giese Your Atzaunt_ You can nequ=a-i to dose your au:Dunt by catfing ,Qw Evslom r f?etalionslteDariment You must destroy all cards and account area ctezis, GancJ all preauhxized bgng arrang-?manls, and c_.ase using your account if you do not cancel preauffrorved billing arrangements, we win consider rzLzipt of a charge your auaroriza5on to reopen )'our account Addrfionally, your account vngl not be closed until you pay all amounts you owe us inctuduig: any tranS3C5Dn5 you have authorized, finance charges, late paymeif tees, overlint fees, returned check fees, cash advance fae and any other fees assessed b your aczount You are responsNa for these amounts wheftT tray appear on your account at the SrrL you request to close the account or they are irmmad subsequent to your request to close the account This may resuff in char)es appearing on your auzount attar you have requested the actrnnii to be dosed or the reDpening of your account f if has already b an lased For example, if you authorized a purchase from a merchant and we receive the bansac5on from the merchanf after your account has been closed, your artormt wfII be reDpened, the amount of The charge will be added to your account, and you will be responsible toy payment if there is a membership fee for your acr bunt, the fee writ continue to be charged, to the ext'nf pauniflad by taw, until the account balance has been paid in full as defined above. If you want tD stop an authorized user's access b your account, you must call our Customer Relations department and destroy the user's card (if any) and any account access cha6s he or she may have. If you are unable to destroy that person's card and auount access checks, and you call our Customer Relations department to dose your acrount, your account wig be closed and both you and the joint cardholder, if any, may apply for a new account If we close the account, you and the joint cardholder, if any, wig still be liable, individually and together, for all amounts charmed io your amount )I We Cancel Your Account or Suspend Credit °tiviteoes_ b'>r: rev 51 any rime, with or without cause and with or wiihoul advanry no5ce, laminate this CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the within Answers to Defendant's First Set of Interrogatories and Requests for Documents have been sent to the following parties by first class U.S. Mail postage prepaid, this day o 2009, as follows: Michael J. Pykosh, Esquire Law Office of Darrell C. Dethlefs 2132 Market Street Camp Hill, Pa 17401 L say E. Ro d, Esquire Pa.; .D. # 5520 1 WELTMAN, W1?"I'NBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 6812925 OF THE F ; 2003 JUL -2 AN ! e : F; 6 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) , NA Plaintiff vs. HAROLD M. STEENBURG, Defendant No.09-1383 CIVIL TERM STIPULATION OF THE PARTIES FOR THE ENTRY OF JUDGMENT BY CONSENT ,~, ~~ ~ -_- ~, , =;, '~•- ~ _~ FILED ON BEHALF OF r.~ _"'~;-' Plaintiff r.: ~' COUNSEL OF RECORD OF THIS PARTY: __ `~' :~:~ Lyndsay E. Rowland, Esquire PA I.D. #205520 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#7081621 Judgment Amount:$5,377.63 ~I~.oc Pp tAfi/ ~t Qo7tas7a ~,+~ ay s try IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) , NA Plaintiff vs. Civil Action No. 09-1383 CIVIL TERM HAROLD M. STEENBURG, Defendant PRAECIPE FOR JUDGMENT BY CONSENT TO THE PROTHONOTARY: Kindly enter Judgment against Defendant, HAROLD M. STEENBURG, in the amount of $5,377.63 plus costs, based upon the consent of the parties. CONSENTED TO: WELTMAN, WEINBERG & REIS CO., L.P.A., HAROLD M. STEENBURG„ By: Attc By: ~~ Defendant WWR#7081621 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) , NA Plaintiff vs. Civil Action No. 09-1383 CIVIL TERM HAROLD M. STEENBURG, Defendant STIPULATION OF TAE PAR'T'IES FOR THE ENTRY OF JUDGMENT BY CONSENT TO THE PROTHONOTARY: Kindly enter Judgment in favor of Plaintiff and against the Defendant, HAROLD M. STEENBURG, above-named, in the amount of $5,377.63 pursuant to the Stipulation of the Parties for the Entry of Judgment by Consent, as follows: 1. Defendant admits indebtedness to Plaintiff in the amount of $5,377.63 with continuing interest thereon at a rate of 6.00% per annum plus costs from April 23, 2010. 2. To secure the repayment of said indebtedness, Defendant agrees that Judgment by Consent will be entered in favor of the Plaintiff and against the Defendant, HAROLD M. STEENBURG, in the amount of $5,377.63 plus continuing interest thereon at the rate of 6.00% per annum from April 23, 2010 and costs. 3. No act or omission of the Plaintiff, nor of anyone alleged to be acting on its behalf, shall constitute a waiver, estoppel, or any other excuse for non-performance of any duty undertaken by the Defendant in this Stipulation which the. parties agree is final and complete. 1 4. Intending to be legally bound, the parties set their hands and seals this Lday of _~~, 20 REIS CO., >~JP.A. By: PA I.D. 5520 WELT , WEINBERG &REIS CO., L.P.A. 1400 Koppers Buiding 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 W WR No. 7081621 By: ~~/ Defendant, HAROLD M. STEENBUR IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) , NA Plaintiff vs. Civil Action No. 09-1383 CIVIL TERM HAROLD M.STEENBURG, Defendant NOTIC>F OF JTJDGi'~IE1l1T OR ORDER TO: ( )Plaintiff (xx) Defendant ( )Garnishee You are hereby notified that the following Order or Judgment was entered against you on (xx) Assumpsit Judgment in the amount of $5,377.63 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of ,iudgment of ( ) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict ( ) Arbitration ( ) Award (XX) By Consent Prothonotary Harold M. Steenburg 106 Hawk Court Mechanicsburg, Pa 17050 By: PR ARY OR DEPUTY) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) , NA Plaintiff vs. Civil Action No. 09-1383 CIVIL TERM HAROLD M. STEENBURG, Defendant NOTICE OF J[JDGiVIENT OR ORDER TO: ( )Plaintiff (xx) Defendant ( )Garnishee You are hereby notified that the following Order or Judgment was entered against you on (xx) Assumpsit Judgment in the amount of $5,377.63 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Urder ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict ( ) Arbitration ( ) Award (XX) By Consent Prothonotary Michael Pykosh, Esq. 2132 Market Street Camp Hill, Pa 1701 l By: PRO"T ARY (OR EPUTY THE PROTHONC T pia, 2014 FEB -4 PM 2: 25 CUMBERLAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK(USA),NA Plaintiff No. 09-1383 CIVIL TERM vs. PRAECIPE FOR WRIT OF EXECUTION (BANK ATTACHMENT ONLY) HAROLD M STEENBURG Defendant(s) FIRST NATIONAL BANK Garnishee(s) FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James P. Valecko, Esquire PA I.D. #79596 WELTMAN, WEINBERG& REIS CO., L.P.A. 436 7th Avenue, Suite 1400 Pittsburgh, PA 15219 (412)434-7955 WWR No. 7081621 r L d t M IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK(USA),NA Plaintiff vs. Civil Action No. 09-1383 CIVIL TERM HAROLD M STEENBURG 0 //awk / e c 12 C S E /r ". /7 o2S Defendant(s) / , / FIRST NATIONAL BANK — �.?3l �/ /h dle ,P(� C'aiyp��Y` /j� /70 � !/ Garnishee(s) PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Kindly issue a Writ of Execution in the above matter... 1. directed to the Sheriff of CUMBERLAND County: 2. against HAROLD M STEENBURG , Defendant 3. against FIRST NATIONAL BANK, , , Garnishee 4. Judgment Amount $ $5,377.63 Less Payments/credits received $ $61.20 Interest $ $1,125.32 Costs $ SUBTOTAL: $ $6,441.75 Costs(to be added by Prothonotary): $ O / WELTMAN, WEINBERG& REIS CO., L.P.A. a9 O � �© J 38 • ga By: 7g •Sb James P. V ecko, Esquire it/. 00 PA I.D. #7 596 / n.1 WELTMAN, WEINBERG & REIS CO., L.P.A. Gi �J7 436 7`h Avenue, Suite 1400 P 4 C60 . 3o I Pittsburgh, PA 15219 (412)434-7955 (4 .7. s- baa a c*-0/5-5-4 4 ,#- 30W 1 � � -// WWR No. 7081621 vx WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 2009-1383 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due Capital One Bank(USA),NA Plaintiff(s) From Harold M.Steenburg- 106 Hawk Ct.,Mechanicsburg,PA 17050 (1) You are directed to levy upon the property of the defendant(s)and to sell (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of First National Bank GARNISHEE(S)as follows: First National Bank-42311' ndle Rd.,Camp Hill,PA 17011 and to notify the garnishee(s)that: (a)an attachment has been issued; (b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property of the defendant(s)or otherwise disposing thereof; (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due$5,316.43 Plaintiff Paid$ Interest 1,125.32 Attorney's Comm. % Law Library$.50 Attorney Paid$160.30 Due Prothonotary$2.25 Other Costs$ Date: February 4,2014 i, David D. Buell,Prothonotary • i I Deputy REQUESTING PARTY: Name :James P.Valecko,Esq. Address: 436 7`h Avenue,Suite 1400 Pittsburgh,PA 15219 Attorney for: Plaintiff Telephone: 412-434-7955 Supreme Court ID No. 79596 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson G' Sheriff Jody S Smith 4 FEB 2 F Chief Deputy r; M 2; - Richard W Stewart CGU I y Solicitor PENNSYLVANIA Capital One Bank(U.S.A.) N.A. Case Number vs. Harold M Steenburg 2009-1383 SHERIFF'S RETURN OF SERVICE 02/19/2014 01:01 PM -Jamie DiMartle, Deputy, who being duly sworn according to law, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the Defendant, in the hands, possession, or control of the within named garnishee, First National Bank, 4231 Trindle Road, Hampden Township, Camp Hill, PA 17011, Cumberland County, by handing to Lori Bracken, Branch Manager, personally three copies of interrogatories together with three true and attested copies of the Writ of Execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on February 20, 2014 to Harold M. Steenburg at 106 Hawk Court, Mechanicsburg, PA 17050. J(1 IE DIMARTL EPUTY SO ANSWERS, February 20, 2014 RON R ANDERSON, SHERIFF WELTMAN, WEINBERG & REIS CO., L.P.A. BY: Matthew D Urban, Esquire I.D. No. 90963 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: 412.434.7955 Fax: 412.434.7959 File # 7081621 Attorney for Plaintiff(s) tit PRO THONOTAR 2014 MAR 12 PM 2:08 CUMBERLAND COUNTY PENNSYLVANIA CAPITAL ONE BANK (USA),NA Cumberland County Court of Common Pleas vs. HAROLD M STEENBURG and FIRST NATIONAL BANK Garnishee(s) PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION NO. 09-1383 CIVIL TERM TO THE PROTHONOTARY: Kindly marked the above matter discontinued and ended as to Garnishee(s), FIRST NATIONAL BANK, only. WELTMAN, WEINBERG & REIS CO., L.P.A. By Matthew D Urban, Esquire Attorney for Plaintiff 0,14 so-pcla CO/ //5Z)9,0i WzSI Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S����U����������U������o����� OFFICE x���~ OF����"����~u��~�«,°�� COUNTY OFFi�� THE PRO MONO oFFICE OF TRE SKRIFF ;R.' SEP 17 PM 2: 214 CUMBERLANDCUMBERLANQ COUNTY PENNSYLVANIA Capital One Bank (U.S��)N�� vs. Harold M Steenburg Case Number 2009-1383 SHERIFF'S RETURN OF SERVICE 02/19/2014 01:01 PM - Jamie DiMartle, Deputy, who being according to law, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the Defendant, in the hands, possession, or control of the within named garnishee, First National Bank, 4231 Trindle Road, Hampden Township, Camp Hill, PA 17011, Cumberland County, by handing to Lori Bracken, Branch Manager, personally three copies of interrogatories together with three true and attested copies of the Writ of Execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on February 20, 2014 to Harold M. Steenburg at 106 Hawk Court, Mechanicsburg, PA 17050. 09;6/2014 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states this writ ofexecution io returned as ABANDONED. No action on writ in over 6 months. SHERIFF COST: $9013 SO ANSWERS, September 16, 2014 RONRANDERSON, SHERIFF ]. ��� �� edc-��� -�. x�'� uv�~�J'7119° Az* 38�/l (e) CountrySuiie Sheriff, Teleosoft,