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HomeMy WebLinkAbout09-1478a PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID # 92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK (USA), N.A. v. Plaintiff(s) ANTHONY J MIRA Defendant(s) CUMBERLAND COUNTY Oq -14'78 Civicram COMPLAINT IN CIVIL ACTION NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. COURT ADMINISTRATOR Cumberland County Courthouse 1 Courthouse Square, 4`h Square Carlisle, PA 19013-3387 (717) 240-6200 AVISO USTED HA SIDO DEMANDADO/A EN CORTE Si usted desea defenderse de las demandas que se presentan mas adelente en las siguientes pAginas, debe tomar accibn dento de los pr6ximos veinte (20) dias depuds de la notificaci6n de esta Demanda y Avios radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aquf en contra suya. Se le advierte de que si usted falla de tomar accibn como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier otra reclamaci6n o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mAs aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIENTE OFICINA ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSONAD QUE CUALIFICAN. SERVICIO DE REFERENCIA LEGAL COURT ADMINISTRATOR Cumberland County Courthouse 1 Courthouse Square, 4`h Square Carlisle, PA 19013-3387 (717) 240-6200 L PAUL J. KLEMM, ESQUIRE NUDELMAN, NUDELMAN, & ZIERING, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 CAPITAL ONE BANK (USA), N.A., Plaintiff(s) V. ANTHONY J MIRA Defendant(s) ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA), N.A., by and through its attorney, Paul J. Klemm and the law offices of Nudelman, Nudelman & Ziering, P.C., and files the following Complaint in Civil Action and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a corporation licensed to do business in the State of Pennsylvania. 2. Defendant, ANTHONY J MIRA, is an individual and citizen of the Commonwealth of Pennsylvania, who is believed to currently reside at, 1312 BOSLER PL, CARLISLE PA 17013-4284. 3. At the special insistence and request of the Defendant, Defendant was issued a credit card by CAPITAL ONE BANK (USA), N.A., account number 4003442581289439. NN39189 4. The Defendant is responsible for an unpaid balance in the amount of $14,908.08 and interest in the amount of $3,419.35. 5. Plaintiff has made demand to Defendant for $18,327.43, but Defendant has willfully failed and/or refused to reimburse Plaintiff for the aforesaid sum due. Wherefore, Plaintiff demands Judgment in its favor and against the Defendant in the amount of $18,327.43, plus attorney fees of $3,279.78 and interest from the date of breach, with continuing interest thereon at the legal rate from the date of Judgment plus anticipated court costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respectfully Submitted: NUDELMAN, NUDELMAN & ZIERING, P.C. Pa emm, Esquire 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 NN39189 VERIFICATION The undersigned, Paul J. Klemm, Esquire, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed this verification at the request of Plaintiff as a matter of time and convenience. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the foregoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The undersigned understands that the statements herein are made subject to the penalties of 19 Pa.C.S.A Section 4904 relating to unsworn falsification to authorities. Date: December 13, 2008 Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 NN39189 V's a _TJ - rte cy) . O W W CS D. + • r-n {' ? ? ( W '"11 Sheriffs Office of Cumberland County R Thomas Kline cbaptr st cumbers, Edward L Schorpp Sheri Solicitor Ronny R Anderson' Jody S Smith Chief Deputy OFFK:E OF `"= SmERIFF Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 03/12/2009 03:53 PM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on March 12, 2009 at 1553 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Anthony J. Mira, by making known unto Anthony J. Mira personally, at 60 William Drive, Carlisle, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $32.50 (PAID) March 13, 2009 SO ANSWERS, R THOMAS KLINE, SHERIFF Deputy Sheriff Docket No. 2009-1478 Capital One Bank (USA) N.A. v Anthony J. Mira r,'r c-n 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 IIN THE DISTRICT COURT OF THE STATE OF PENNSYLVANIA IN AND FOR THE COUNTY OF CUMBERLAND CAPITAL ONE BANK (USA),N.A. Plaintiff, VS. ANTHONY J MIRA Defendant Case No.: 09-1478 PRO SE NOTICE OF APPEARANCE The undersigned enters an appearance in this action, and demands notice of all further proceedings. The Clerk of Court and the opposing party will be informed of any changes in address. Any and all notices may be sent to: Service Address: 60 WILLIAM DRIVE, CARLISLE, PA 17013. Dated this March 27th 2009 14 Anth yy Miry COMMONWEALTH of PENNSYLVANIA NOTARIAL SEAL REHN, NOTARY PUBLIC WMYCOMMS"EXPIOAPRU8,2012] OUGH, CU MBERLAND COUNotice of Appearance - 1 C ? '''a ;-. ,° --N, ?? s r,, : fir ,,,,? , ,? -,? - ;'?? : r7~ '?4: ?- t 1 2 3 4 5 IN THE DISTRICT COURT OF THE STATE OF PENNSYLVANIA IN AND FOR THE COUNTY OF CUMBERLAND 6 7 8 CAPITAL ONE BANK (USA),N.A. 9 Plaintiff, 10 VS. 11 ANTHONY J MIRA 12 Defendant 13 Case No.: 09-1478 } ANSWER, AFFIRMATIVE DEFENSES ) } 14 AN3WZR TO CIVIL ACTION 15 Now comes Defendant, ANTHONY J MIRA, Pro Se, who answers the following 16 paragraphs of Plaintiff's Complaint: 17 18 1. Defendant is without information or knowledge sufficient to form an opinion as 19 to the truth and accuracy of statement #] 20 2.) Defendant denies the allegations contained in Statement #2 of the Complaint as 21 the Defendant has not resided at, 1312 Bosler Place, Carlisle, PA 17013-4284. 22 For approximately the last 2 years. The Defendant resides at, 60 William Drive, 23 Carlisle, PA 17013. 24 25 3.) Absent documentation by Plaintiff, Defendant lacks proof as to the truth of 26 statement #3 and therefore, denies allegations contained statement #3. 27 28 Pro Se Answer, Affirmative Defenses - 1 i 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 4.) Absent documentation by Plaintiff, Defendant lacks proof as to the truth of statement #4 and therefore denies allegations contained statement #4. 5.) Defendant lacks knowledge as to the validity and accuracy of statement #5, and therefore, Denies allegations in statement #5. Furthermore, the Defendant would like to state: 1. Plaintiff is barred under the Fair Debt Collection Practices Act, hereinafter called FDCPA, from collecting attorney fees, interest, collection fees, and any amount not specifically provided for by purported agreement. 2. The Plaintiff has not proven that they are authorized and licensed to collect claims for others in the State of Pennsylvania, solicit the right to collect or receive payment of a claim of another. 3. The Complaint fails to allege or prove that the Plaintiff is licensed and has procured a bond in the State of New Jersey as required. 4. Defendant reserves the right to plead other affirmative defenses that may become applicable and/or available at a later time. WHEREFORE, Defendant prays that the court take nothing of Plaintiff's Complaint by virtue and dismisses the complaint. March 27th 2009 24 25 26 27 COMMONWEAL OF ENNSYLVANIA NOTARIAL SEAL 28 ANN FREHN, NOTARY PUBLIC CARLISLE BOROUGH, CUMBERLAND COUNTY MY COMMISSION EXPIRES APRIL 16, 2012 Anthony J Mira 60 William Drive, Carlisle, PA 17013 (717) 265-1100 Pro Se Answer, Affirmative Defenses - 2 C"t ?- +°.a ?? ?? 3.??'. T ?'7 1i7 t'?? -''; _ ..,,1 #., .. Y --?"..? e... v "t -K` ?? _+ n?_ _,? 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 IN THE DISTRICT COURT OF THE STATE OF PENNSYLVANIA IN AND FOR THE COUNTY OF CUMBERLAND CAPITAL ONE BANK (USA),N.A., Plaintiff, VS. ANTHONY J MIRA Defendant Case No.: 09-1478 CERTIFICATE OF SERVICE I certify under penalty of perjury under the laws of the State of Pennsylvania that, on the date stated below, I did the following: On the day of March 27th 2009, I mailed by Certified Mail, Return Receipt, postage pre- paid, a true copy of the Notice of Appearance and the Answer, Affirmative Defenses to Paul J. Klemm at the offices of Nudelman,Nudelman & Ziering at the following address: 425 Eagle Rock Avenue Roseland, NJ 07068 COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL ANN FREHN, NOTARY PUBLIC CARLISLE BOROUGH, CUMBERLAND COUNTY MY COMMISSION EXPIRES APRIL 1S, 2012 Dated this March 27th 2009 in Carlisle, Pennsylvania Antho Mira Certificate of Service - 1 c> r.,s w;' *xa a-r .?:? =ra r rv ? ?. :? .,.. _? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. ) NO. 09-1478 Plaintiff ) V. ) ANTHONY J MIRA ) Defendant(s) ) CERTIFICATE OF SERVICE I, Paul J. Klemm, Esq., do hereby certify that I have served a true and correct copy of the within Reply to New Matter by regular first-class U.S. Mail, postage pre-paid on the party listed below on the date listed below: Anthony J. Mira 60 William Drive Carlisle, %419) Z009 Dated: Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. ) NO. 09-1478 Plaintiff ) V. ) ANTHONY J MIRA ) Defendant(s) ) REPLY TO NEW MATTER Filed on behalf of: Capital One Bank Counsel of Record for This Party: Paul J. Klemm, Esquire Pa I.D. #92125 Nudelman, Nudelman & Ziering 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. ) NO. 09-1478 Plaintiff ) V. ) ) ANTHONY J MIRA ) Defendant(s) ) REPLY TO NEW MATTER AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA), N.A., above named, by and through its attorney, PAUL J. KLEMM and the law offices of Nudelman, Nudelman & Ziering, P.C., and files the following Reply to New Matter. In support thereof Plaintiff sets forth herein all of the paragraphs of the Complaint which are incorporated herein by this reference as if set forth in there entirety herein, and further avers as follows: 1. Legal Conclusion to which no response is necessary under the Pennsylvania Rules of Civil Procedure. To the Extent that a factual averment has been made requiring reply, it is denied that Plaintiff is barred under the Fair Debt Collection Practices Act. 2. Legal Conclusion to which no response is necessary under the Pennsylvania Rules of Civil Procedure. To the Extent that a factual averment has been made requiring reply, it is denied that Plaintiff in not authorized to collect debts in the State of Pennsylvania. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a foreign business corporation located at 4851 Cox Road, Glen Allen, VA 23060. Pursuant to 15 Pa. C.S.A. § 4122, "a foreign business corporation shall not be considered to be doing business in this Commonwealth for the purposes of this subchapter by reason of carrying on in this Commonwealth any one or more of the following acts ... (8) [s]ecuring or collecting debts or enforcing any rights in property securing them [or] (9) [t]ransacting any business in interstate or foreign commerce." 3. Legal Conclusion to which no response is necessary under the Pennsylvania Rules of Civil Procedure. Objection, New Jersey is irrelevant to these proceedings. 4. Legal Conclusion to which no response is necessary under the Pennsylvania Rules of Civil Procedure. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, along with reasonable attorney's fees, interest and costs. Date: Respectfully Submitted: Nudelma a man iering, P.C. Paul J. Klemm, Esquire Attorney ID No. 92125 Attorneys for Plaintiffs 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 VERIFICATION The undersigned, Paul J. Klemm, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the forgoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed this verification at the request of Plaintiff as a matter of time and convenience. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the forgoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The undersigned understands that the statements herein are made subject to penalties of 19 Pa.C.S.A. Section 4904 relating to unsworn falsification to authorities. ????v ?r ""- Date: Paul J. Klemm, Esquire Nudelman, Nudelman & Ziering, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 Exhibit A i t J N O O N CJ t7 a M 0 r C4 Aa.+ Ch d rj V` co i Q.,r O L. ? G 0 M v M %E CIO CD lo 1-1 t? r CUSTOMER AGREEMENT Welcome to Capital One.® We are pleased to open your credit card account. This Agreement contains information about your account Please read it and keep it for your records. In Ibis Agreement the words you,' your" and'youm' refer to each person who signed the application and to anyone else who uses the account M any way. Each of you is individually and jointly obligated under this Agreement The words *n, 'us' and 'our mean Capital One Bank and its successors or assigns. We can delay enforcing our this under this Agreement without losing them. Using Your Account. You can make purchases and obtain cash advances (l we have told you flat rash advances are an option for your account) by using your card, account number, and any account access checks (Inducing Purchase Checks, Convenience Checks, Special Transfer Checks and other similar checks) that we may send to you. When we provide you with account access checks, we will tell you whether they, will be treated as purchases, cash advances, or special transfers. Unless we tall you otherwise, Convergence Checks will always be treated as cash advances, Your card or amount cannot be used in connection with any Internet or illegal gambling transactions. Your card and account may only be used for valid and lawful purposes. If you use, or allow someone else to use, the card or amount for any impermissible purpose, you will be responsible for such use and may be required to reimburse us and MasterCard International Incorporated or Visa USA. Inc., as applicable, for all amounts or expenses we or they pay as a result of such Impermissible use. You agree that we are not responsible N anyone refuses to honor your account If you do not use your account, you may cancel it by al ng our Customer Relations department and destroying your card(s) and account access dads within 30 days after you receive them. Cash Equivalent Trarmacdons. If ash advances are an option for your amount you can use your account to purchase flame that are directly convertible to cash. These cash equivalent transactions will be hated as cash advances and will be billed to the cash advance segment of your amount Cash equivaent transactions induce to Purchase of wire transfer money orders, bets, lottery tickets, casino gaming chips, and other similar products or services. Your Credit Limit You were lold you credit limit when you opened your amount. You also may have different credit limits that apply to dffferent segments of you account (such as purchases, cash advances, and special transfers). These credit limits will be Identlled on your periodic statement You agree to make purchases or obtain ash advances only up to the relevant credit limit We may increase or decrease you credit limits at any time, may Iimlt the amount that Is available for cash advances, or May exclude cash advances entirely from you amount We may hoar transactions In excess of you credit limit even l those transactions result in an overilmlt fee, and those transactions and fees will be covered by this Agreement Making Payments, You promise to pay us all amounts due resulting from the use of your account Including any finance charges and other charges due under the terms of this Agreement Payments must be made in U.S. dollars. Payments made by a negotiable Instrument such as a dadk or a many order must be in a forth acceptable to us and be drawn on a U.S. financial institution. We may allocate payments among the various segments of your account in any way we determine. You must pay at least the minimum amount due by the date requested on your statement to avoid a late payment fee. However, you may pay more than ire minimum payment or pay the balance in full. In any case, finance Charges win continue to be assessed dung biting periods that you carry a balance regardless of whether or not your statement shows a minimum payment due. We can accept late payments or partial payments or checks and money orders marked 'payment in fulr or other similar language without losing any of our rights under this Agreement Including our tight to receive payment in full. Periodic Statement Each month you have a balance in you amount we will send you a statement showing all transactions billed to your account during the biting period. The bung period is the Erne from one statement dosing date through and Including the next statement closing date. The statement dosing date determines the month of a specific biding period. For example, your January billing period is the billing period with the statement dosing date in January. Finance Charge Information. 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 as shown on your periodic statement In full and in time for it to be credited by you next stmt dosing date. There is no gram period on ash advances and special transfers. In addition, If you do not pay the total New Balance from the previous billing statement in tug and in time for It to be credited by your next statement dosing date, there is no grace period on any transaction. B. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge as follows: -Transactions made during the current biting period: from the transadcon dole. -Undated transactions and transactions rtade with amount access checks: from the date the transaction Is processed to your amount -Transactions made prior to the current billing period: from the first calendar day of the current bging period. Additionally, t you did not pay the New Balance from the previous billing period in tali, finance charges continue to accrue to your unpaid balance unfit the unpaid balance is paid in full. This means that you may still owe finance charges, even N you pay the entire New Balance indicated on the from of your statement by the next statement dosing data, but did not do so for the previous month. Unpaid finance charges are added to the applicable segment of your amount C. Minimum Finance Charge. For each billing period tat your amount is subject to a finance charge, a minimum total finance change of $0.50 will be imposed. If the total finance charge resuNng from the application of your periodic rate(s) Is less than $0.50, we will subtract that amount from the $0.50 mnbrum and the difference will be billed to the purchase segment of your amount D. Periodic Rafes. We determine the daily periodic ate by dividing the annual percentage rate by 365 and rounding It to the nearest 11100,0001h of 1%. The rate may be different for each segment of your amount (e.g., cash advance, purchase, special purchase, and special transfer d applicable for your account). You were Wild the daily periodic rate(s) when you opened your amount and it appears on your statement E. Calculating Finance Charge. Finance charge is calculated by muldoying the dally balance of each segment of your account (e.g., ash advance, purchase, special transfer, and special purchase) by the corresponding daily periodic rate(s) that has been previously disclose ! to you. Al the end of each day during the biding period, we apply the dally periodic rate for each segment of your amount to the dally balance of each segment . Then at the end of the biting period, we add up the results of these dally 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 005112-11 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 days 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 you account However, If you paid the New Balance shown on your previous statement In full (or I your New Balance was zem or a credit amount), new transactions which post to your purchase or special purchase segments are not added to the daily balances. To calculate your total finance charge, multiply your average daily balance by the dally periodic rate and by the number of days in to 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. F. Cash Advance Fee. If a cash advance fee applies to your account you were told the fee when you opened your amount The fee alt be charged each time you obtain a rash advance and will be added to to cash advance segment of your account and will reduce you available credit The amount of the cash advance fee will be added to other finance Barges on your periodic statement for the purpose of calculating the annual percentage rate disclosed there. This may cause the annual percentage rate disclosed on your statement to be greeter than the annual percentage rote that was disclosed to you when you opened your amount. G. Temporary Redudton In finance Charge. We reserve the right to not assess any or all finance charges for any given biting period. Other Fes and Charges. The following fees may be billed to time purchase segment of you amount unless otherwise specifled, In every billing period in which they apply: late payment fee N we do not receive your payment in time for it to be credited by the folowirg statement dosing date; overtknit fee If your account (or any segment of your account) goes or stays above any temporarily or pemanendy assigned credo limit even N we approved the ovoriimd amount, at arty time during the billing cycle (regardless of whether you went overlimlt as a result of a transaction, finance charge, or arty other fee or charge); returned check fee, imposed every time a check is returned to us for any reason, or If we cannot horror your amount access checks for any reason; and copying charges for duplicate copies of transactions of statements unless required for billing dispute resolutions. These fees and charges will not be assessed If your billing address was In Puerto Rico when your amount was opened. The fee and charge amounts were disclosed to you when you opened you account if any of these fees or charges are changed subsequent to your amount opening, you will be advised of the new amount We reserve the right to waive these fees without prior notification to you. Membership Fee. N your amount has a membership tae, it was disclosed to you when you opened your amount The fee will be billed to the purchase segment of your amount Credit Bureau Information. You agree that we may obtain your credit information from credit reporting agencies at any the for the purposes of monitoring your credit performance, managing your account and considering you for new offers and programs. Future Offers. The terms of any future offer will be disclosed to you at the time the offer Is made. If you accept an offer, the terms ON become effective immediately union otherwise specified in the offer. Default We may consider you to be In default under this Agreement if: (a) you fail to pay the minimum payment on time, (b) you exceed your credit Ilmk, or (c) you pay us with funds that are returned for any reason. To the extent permitted by law, you may also be in default under this Agreement it. (1) you violate any of the other terms of this Agreement or any of to terms of any other agreement with us or any of our affiliates, or (2) you made any false or misleading statements on your application, or (3) bankrupicy or other insolvency proceedings are instituted by you or against you. After you are in default (or after we glue you any notice of or right to cure the default If required by law), we may restrict your amount from new transactions, or dose you account and demand Immediate payment of the entire outstanding balance. In addition, as a result of the default your minimum payment may increase without advance notice. To the extant permitted by law, you agree to pay all court costs and collection expenses incurred by us in the collection of any amount you owe us under this Agreement If you default and we refer your amount for collection to an attorney who is not our salaried employee, to the extent permitted by law, you agree to pay reasonable attorneys' fees. You also agree to pay any costs we may incur in retrieving your cards, Including any costs we may incur by laving your arrant placed on a restricted list N You Close Your Account You an request to clue your account by calling our Customer Relations department You must destroy all cards and account amass decks, cancel all preauthodzed bung arargemeos, and cease using your account If you do not cancel preauthorized billing arrangements, we wig consider receipt of a charge your authorization to reopen your account Additionally, you account will not be closed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, late payment fees, ovedimt fees, returned check fees, cash advance fees and any other fees assessed to your amount You are responsible for these amounts whether they appear on your account at the Erne you request to dose the amount or they are incurred subsequent to your request to dose the amount This may result in charges appearing on your amount after you have requested to amount to be dosed or to reopening of your account if it has already been dosed. For example, If you authorized a purchase from a merchant and we receive the transaction from the merchant offer your account has been dosed, your amount ON be reopened, to amount of the darge WIN be added to your amount and you wig be responsible for payment If there is a membership fee for your account the fee will continue to be charged, to to extent permitted by law, until the amount balance has been paid in full as defined above. N you want to stop an authorized users access to your amount you must call our Customer Relations department and destroy the users card (d any) and any account access checks he or she may have. If you are unable to destroy that person's card and amount access checks, and you call our Customer Relations department to dose your amount, you amountwill be dosed and both you and the joint cardholder, if any, may apply for a new amount If we dose the account, you and the joint cardholder, If any, will still be liable, individually and together, for all amounts charged to your amount N We Cancel Your Account or Suspend Credit Privileges. We may at any Erne, with or without cause and with or without advance notice, terminate this Agreement without losing them. Charges In Terms. We may amend or change any part of your Agreement including The periodic rates and otter charges, or add or remove requirements (including adding new requirements of the same or a different nature as the existing requirements in this Agreement) at any time. If we do so, we will give you notice t required by law of such amendment or charge. Notice will be mailed to the lest billing address Indicated in our records. (However, no notice will be mailed 9 we previously had nottred you that your account would be subject to such amendment or change without notice.) Changes to the annual percentage rate(s) will apply to your account balance from the effective data of the change, whether or not the account balance Included Items billed to fie account before the charge date and whetter or not you continue to use the account Changes to leas and other charges will apply to your amount from the effective date of the charge. Applicable Law. This Agreement will be governed by Virginia law and Federal law. Severabgity. The invalidity of any provision of this Agreement shag not affect the validity of any other provisions. Lost or Stolen Cards or Account Access Checks. If your cards or amount access checks are lost or stolen or 9 someone else may be using therm without your pemrssion, notiiy us at once by calling Me telephone number shown on the front of your periodic statements. You will not be table in any amount for unaulhodwd use of your cards or amount access checks. Your Billing Address. You agree to give us written notice of any change in your billing address at bast 10 days before the change. Changes may be written in the space provided on the remittance coupon portion of your periodic statement or may be sent to, the following address: Capital One, P.O. Box 85015, Richmond, VA 232855015. If your amount is a joint amount or if more than she person is permitted to use it, you agree that all notices regarding the amount may be sent solely to the address shown on our billing records. Communications. We may call you (using live operators, automatic dlaiktg devices, or recorded messages) at home or work and those calls will not the considered unsolicited. We may monitor or rend any cabs we make or receive. We may reisese Information to others regarding the status or history of your amount as is more fully discussed In the Capital One privacy policy, a copy of which has been provided to you. We may make inquiries of third parties In connection with maintaining and collecting your amount and you authorize such third parties to release nkxmation about you to us. Cardholder Benefits. Cardholder benefits may be changed or terminated without notice. The benefits may be provided by third parties; we are not liable for such benefits or for the actions or omissions of the third parties. U.S. Currency, It you make a purchase or cash advance in foreign currency, the transaction will be converted kilo U.S. dollars using Visa or MasterCard regulations and conversion procedures in effect at the time. Visa or MasterCard may tame the conversion rate and keep this increased amount The rate in effect on the conversion dale may differ from the rate used on the transaction dale. ARBITRATION: You and we agree that either you or we may, at either parry's sole election, require that any Claim (as defined below) be resolved by binding arbitration. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTATIVE PROCEEDING. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, INCLUDING THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION. THE FEES ASSOCIATED WITH ARBITRATION MAY BE HIGHER THAN THE FEES ASSOCIATED WITH COURT PROCEEDINGS. Special Definitions for this Arbitration Provision. For the purposes of this arbitration provision ('Arbitration Provision'), the following definitions shall apply in addition to the defritbns sell forth in this Customer Agreement CAgmem idr): `We,' 'us' and'oue mean the owner of your account (Capital One Bank or Capital One, F.S.B.), Its parent and their direct and Indirect subsidiaries and affiliates, as well as all of tI& respective employees, officers, directors, licensees, predecessors, successors, and assigns. 'Claim' means any claim, controversy, or dispute of any kind or nature between you and us. A. This definition kwhides, without limitation, any Calm that in any way wises from or relates to: •tis Agreement and any of its terns (including any prior agreements between you and us or between you and any other entity from which we acquired your account) -this Arbitration Provision (including whether any Claim Is subject to arbitration) .the establishment operation, or termination of your amount .any disclosures, advertisements, promotions, or other communications relating to your account, whether they occurred before or after your amount was opened .any transactions or attempted transactions involving your account .any billing or collections matters relating to your amount .any posting of transactors (including payments or credits) to your account .any goods or servkres charged to your amount .any fees, Interest or other charges assessed to your amount, or their calculation .any products, services, or benefits program related to or offered in connection with your amount (including any insurance, debt cancellation, or extended service contracts and any programs, rebates, rewards, sweepstakes, memberships, discounts, or coupons) whether or not we offered, introduced, sold, or provided them .our receipt, use, or disclosure of any information about you or your amount .any other matters relating to your amount or your relationship with us. B. This defriborr also includes, wtlhouf britetian, any Claim: -regardless of how or when it Is brought (for example, as an initial claim, counterclaim, cross-claim, nterpleadng, or third-parry claim) .based on any theory of relief or damages (Including money damages and any form of specific performance or injunctive, declaratory, or other equitable relief) .based on any theory of law or equity (Including contract tort, fraud, constitution, statute, regulation, ordinance, or wrongful acs or omissions of any type, whether negligent reckless, or intention) .made by you or by anyone mnirmled with you or claiming through or for you (including a co-applicant or authorized user of your amount your agent your representative, your heirs, or a trustee in bankruptcy) 005112-21 .for which we may be dm* or indirectly liable under any theory, including respondeat superior or agency (even two are not property named at the time the Claim is made) .now in existence or that may arise in the future, regardless of when the fads and dreumstances that give rise to the Claim occurred or when the Claim accrued .made as pert of a class action, private attorney general action, or other representative or collective action, which Claim shall proceed on an individual basis as set forth more fully in this Arbitration PmAslon. Arbgralbn Administrators. One of the following arbitration administrators ('Administrator' or, cntiedivey,'AdmiNstatorsl will administer the aditrallon: JAMS American Arbitration Ass'n National Arbitration Forum 1920 Main St., Ste. 300 335 Madison Ave., Floor 10 P.O. Box 50191 Irvine, CA 92610 New Yak, NY 10017-1605 Minneapolis, MN 55405 www.ismsadr.com www.adr.oro www.arbitraUDn-forum.com You may contact any of the Adminiabators to obtain Information about arbitradon, arbitration rules and procedures, fee sch Jules, and dalm forms. Election and Initiation of Arbitration. You or we may elect arbitration under this Arbitration Provision with respect to any Claim, even lf the Claim is part of a lawsuit brought in court You or we may make a motion or request In court to compel arbitration of any Claln brought as part of any limit We will of elect or inhibits arbitration of any Claim brought in a small daims court (cur the equivalent), so lag as due Claim remains in that court, Is made solely on behalf of an individual or joint amount holder, and Is not made as part of a class action, private attorney general action, or other representative or collective action. You and we roust follow the rubs of the Administrators to initiate arbitration. If you initiate arbibatbn, you may choose one of the Adminstrebwrs, and you must mad us any notice required by the Administrator to P.O. Box 55550, Richmond, VA 23285-5550. If we Initiate arbitration, we will choose one of the Administrators, and we will mail you any notice required by the Administrator to your lasknown billing address. If we have initiated arbitration, we will change the Administrator at your request ti you notify us in writing at die above address within fifteen days of the date of any notice we send you of our initiation of arbitration. Procedures and Law Applicable In Arbitration. This Arbitration Provision is made pursuant to a transaction involving Interstate commerce and shag be governed by and enforceable under the Federal Arbtration Act (the'FAAJ. Question about whether any Claim Is subject to arbitration shag be resolved by Interpreting this Arbitration Provision in the broadest way ft may be enforced, consistent wish the FAA and the tams of this Arbitration Provision. The arbitrator will apply substantive law consislant with the FAA and applicable statutes of limitations. The arbitrator may award any damages or other relief permitted by applicable substantive law, but the award shall determine the do and obligations of only the named parties and only with rasped to the Claus in arbitration. The rules and procedures of the Administrator, which you may obtain from the Administrator, shall govern the arbitration unless they conflict with this Arbitration Provision, in which case this Arbitration Provision will apply. The arbitrator will not be bound by, and this Arbitration Provision shall not be subject to, the federal, state, or local rules of procedure and evidence that would apply In any court or to state or local Is" that relate to arbitration proceedings. You or we may have a hearing in arbitration. Any arbitration hearing that you attend in person will take place at a location in the federal judicial district that Includes your last-knowwn bitkhg address or at some other place upon which you and we agree. You or we may be represented by counsel. If you or we request the arbitrator will honor claims of privilege recognized under applicable law and will use beat efforts to protect confidential Information (inducting through the use of protective orders). The arbitrator will make any award in wddng and, at the timely request of ether party, will provide a written statement of reasons for the award, Coats. The parry Initialing arbitration will pay trio initial filing fee. You may seek a waiver of the initial OV fee or any of the Administrators other fees (collectively. 'Administrator's Fees') under any applicable rubs of the Administrator. If you seek, bbd do not quady for, a waiver, we will consider any written request by you for us to pay or reirnburse you for all or part of the Adrninbbatora Fees. We also will pay or reimburse you for ad or pad of the Administrators Fees if the arbitrator determines there is good reason for us to do so. We will pay any fees and coats we are required to pay by low. Otherwise, and except as provided in the Agreement, you and we will bear ad of our respective fees and costs (including the Administrators fees and the fees and costs relating to attorneys, experts, and witnesses). regardless of who prevails. Allocation of fees and costs relating to appeals In adotratbn will be handled in the sane manner. No Consolidation or Joinder of Parties. The arbitration of any Claim must proceed on an individual basis, even If the Clain has been asserted in a court as a class action, private attorney general action, or other representative or collective action. Unless all parties consenL nether you nor we may join, consolidate, or otherwise bring Claims related to two or more amounts, individuals, or amount hollers in the same arbibalon. Also, unless all parries consent, nether you nor we may pursue a class action, private attorney general action, or other representative or collective action In arbitration, nor may you or we pursue such actions in Court if any parry has elected arbitration. You will not have the right to act as a class representative or participate as a member of a class of claimants with respect to any Clain as to which arbitration has been elected. Judgment Enforcement Finality, and Appeal. The arbitrators decision will be final and binding after fiteen days unless you or we seek an appeal of the award by making a written request to the Administrator. The appeal panel, which will consist of three arbitrators, will consider at faftuel and legal Issues anew, will conduct the appeal in the same manner as the initial arbitration, and will make decisions based on the vote of the majority. The panel's derision will be final and binding. Any final decision of the arbitrator or of its appeal panel is subject to judicial review only as set forth under the FAA. An award in arbitration will be enforceable under ft FAA by any court having jurisdiction. Miscellaneous, Waiver, SeverablMy, Survival. If you or we do not eled arbitration or otherwise enforce this Abitraton Provision In connection with any partalar Clain, you or we will not wake any rights to require arbitration In connection with that or any other Clain. This Arbitration ProvWm shad sunrive: () suspension, taminatbn, revocation, closure, or changes of this Agreement, your amount and your relationship with us; (if) the bankruptcy or insolvency of any party; and (fit) any transfer of your amount or any amounts owed on your amount to any other person or entity. If any portion of this Arbitration Provision is deemed invalid or unenforceable, the remaining portions of this Arbitration Provision shad nevertheless roman valid and in force. In the event of a conflict or Inconsistency between cis Arbitration Provision and the other provisions of this Agreement or any prior agreement this Arbitretlon Provision shall govern. ® 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 500016 X11 PSSST... Capita! One® does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services. Caplit1alCW I what's in your wallet?' FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date C$12,644.38 - $748.00 + $170.32 + $123.33 = $12,190.03 $365.00 May. 19, 2007 Mar. 20, 2007 - Apr. 19, 2007 Page 1 of 1 PLEASE PAY AT LEAST THIS AMOUNT Visa Platinum Account 4003.4425.8128.9439 CANV01111ilitfsk Your Account Information REWARDS' TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $309.97 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $309.97 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $12,416.32 0.04425% D 16.15% $170.32 Cash $0.00 0.06068% D 22.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 16.15% At Your Service 1.800.955.7070 To call Customer Relations or to report a lost or stolen card: ® Send payments to: Capital One Bank - P.O. Box 70884, Chadone, NC 28272-0884 A Send Inquiries to: Capital One - P.O. Box 30285 - Salt Lake City , UT 84130-0285 ® For more Information on your Rewards: Visit: www.capilalone.comlmilesrewards Call: 1-806228-3001 Rewards Summary Previous available balance: 17,025 Earned this period: 123 (reflects transactions posted during his billing cycle) Available Balance: 17,148 Payments, Credits 8 Adjustments 1 20 MAR CAPITAL ONE ONLINE ACH PA YMENT $368.00- 2 18 APR CAPITAL ONE ONLINE ACH PA YMENT $380.00- Transactions 3 20 MAR WWW CUMBERLINK COM 717.2407165 PA $33.99 4 24 MAR TWX'AOL High Speed 0307 688-889-7201 NY $9.95 5 30 MAR WWW CUMBERLINK COM 717.2407165 PA $27.99 6 06 APR THE PATRIOT-NEWS MACTIVE 717-255-8237 PA $31.40 7 10 APR SALON DIDIA CARLISLE PA $20.00 6056 506 1 7 19 070419 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4003442581289439 19 0000000380000365009 ??Of 1e' I what's in your wallet?' New Balance Minimum Payment Due Date $12,190.03 $365.00 May. 19, 2007 ' PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 10664 Itlttltttllttlltltlttl Charlotte, NC 26272-0684 IttltlLtltttLlltttLdtllltttLth6tlttlttlLtlttLtlLttll Account Number: 4003-4425-8128-9439 Please print address or phone number changes below using blue or black ink. Home Phone Altemate Phone #9011078490576042# NAIL ID NUMBER ANTHONY J nIRA 1312 BOSLER PL CARLISLE, PA 17013-4264 1111111111111111 It t 111111111 11 111 11 1101111 1111111111111 1 gill 11 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Whether it's braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone.com to learn more! Capital One Bank, Capital One, F.S.B., Members FDIC. 1. Have to Avold a Finance Charge. t a. Gnu Period. You will hew a minimum {pace period of 25 days wNlsut finance charge of, 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 r en cash advances and special trarsfem. In addition, there is no gram period any transaction if you do not pay the local 'New baUnm.' b. Accruing Finance, Charge. Transactions which are rat subject to a grace period ere ea""W finance charge 1) from the data ( live transaction or 2) from tie data the transaction is processed to your Account or 3) from the first calendar day of the anent billing period. Adda4nally, t you did not pay the 'New Balance' from the previous, billing period in full, mnance charges continue to accrue to your . unpaid balance until the unpaid balance is paid in full. This means that you may sti1 owe finance charges, even If you pay the antim New Balance Indicated on the front of your statement by the next statement closinng date, but did not do o for the previous month. Unpaid finance charges are added to the applicable segment of your Account. 1 c. Minimun Fiance Change. For each billing period that your accent is subject to a Arwance charge, a minimum Intel FINANCE CHARGE of SOb0 wit be irrlpoead. t d. Temporary Reduction In Finance Charge. We reserve the right to not assess any or all finance charges for any given bung period. 2. Awmgs Daity Balafrca (Induding New' Purchoas} Finance charge IS Calculated by multiplying the daily balance of each eagment of your account (e.g., cash advance, purchase. special transfer old special pcrrhass) by the corresponding daily periodic fatale) gnat has been previously disclosed to you. At the and of each day during the Mang period, we apply the daily periodic nate for each segnhent of your account to the daily balance of each segment. Then at the end of the billing period, we add up the -.he of these daily calculation. to a&- at your periodic finance charge for each segment. We add up the results from each segment to artva at the total periodic firharho charge for your account. To gat the duty balance or each segment of your account, we take the begaming balance for each segment and add arty new transaction and any periodic finance charge calculated on the previous days balance for that segment. We then subtract any pay-raw or credits posted as of that day that are allocated to that s"ment. This gives us the separate platy balance ra each eagmarnt of your account. However, t you paid to New Balance shown on your previous statement in full (or tt your new balance was zero or a credit amount), new transactions, which post to your purchase a apetisl purchase segments are not added to the daily balances. Wa calculate thou average dally balance by adding al the dally balances together and dividing the sum by ds number of the days in die current billing cycle. To calculate your total finance charge, multiply you average daily balance by is daily periodic rate and by the number of days In the billing period. Due to rounding on a daily basis or due to minkmlm finance charge asceaament, them may be a variance between this calculation and the amount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The farm 'Annual Percentage Rate" may appear as 'APR' on Me front of this atonement. b. If the code P (Ouanerly Pmr s? L (Quarterly LIBOR), C (Quarterly CDZ a S (Benkmrd Prime) appears on the front of this statement next to der periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may wry quarterly end may I-- or deorasea based on the stated inflow, 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 of January, April, July and October. c. If the ode D (Monthly Prime), F (Monthly LIBOR), or 0 (Treasury LIBOR) appears on the front of your satemem next to the periodic rate(s), the periodic: rates and ccrraspording ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the staled Indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes will be . affect" on tins fund day of your billing period each month ?. Assessment: of Lab, Ovedimit and Retuned Payment Few. Under the tame of your customer agreement, era reseve the right to welve or not to weem any fees without prior notification to you without waNkg our right to assess the same or similerfees at a latertime. t 5. Rasing You Account t a membership fee appears on is front of your statement, you have 30 days from is data this submem was mailed to you to awld paying the fee a to have such fee credited to you ri you cancel your socora wOou having to pay the marnbershlp fee. To cancel your somunt, you must notify us by calling our Customer Relations Depamnent and pay your'New Balance in full (excluding the membership lee) prior to is and of the mint-day period. 6. N You Close Your Account. You can request to dose your account by calling our Customer Relations Dwariment. You must destroy you credit card(s) and acorn comas checks, cancel s,1 presuthorized billing and cease using your account. After your request to close, if you continue to transact or do not cenW prestdhorized billing arrangements, era will kosher moelpt of a carpe your authorization to keep your account open. Additionally, your account will not be closed until you pay all amounts you owe us including. any transactions you hew authorized, finance charges, past due fees, ovedmit fees, returned payment fees, rash advance fees and any other less assessed to your account. You are responsible for these amounts whether they appear on your account at the time you request to dos to account or they am Incurred subsequent to your request to dose the account. This may result in charges appearing on your account after you have requested the account to be dosed. 7. Using Your Account. Your card or account cannot be used in connection with any Internet gambling transactions. 8. Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use Information from your check to make a one-time electronic fund transfer tram your bank account or to process the payment as a check transaction. When we use Mfor--ion from your dock to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we -N. your pay-fie, and you will not receive your check back from your financial Institution. BILLING RIGHTS SUMMARY (In Case of Errors or Questions about Your B11) tt you think your bill Is wrong, or if you need more infonnatkn on ¦ trsrheaWCn or dl, write to m on a separate sheaf as soon as possible et 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 Ihe first bill on which Ihe 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 emor and an explanation, 0 possible, of why you believe there Is an error; or If you need more infornation, a description of the item you are unsure about. You do not have to pay any amount in qusseo while we am investigating It. but you we still obligated to pay the pant of you bill that are not In question. While we Investigate your question, we cannot report you es delinquent or take any action to tolled the amount you question. t t Specal Rule for Credit Card Purchases If you haw a problem With the quality of property or servlcea that you purchased with a credit ant and you have tried in good faith to correct the problem with the merchant, you may have the tight not to pay is remaining amount due on the property or services. You hew this protection only when the purchase price was more than $50.00 and the purchass was made in your home state or within 100 miles of your mating address. (If we own a operate the merchant, a 0 we mated you the adverbeamant for the property or services, all purchases are covered regardless of amount a location of purchase.) Please remember to sign all correspondence. T Does not apply to consumer no-dt card accounts t Does not apply o business nororoda card accounts Capital One supports information privacy protection: sea our weasae at wwormoularst. . Capital One is a federally mgsbred service mark of Capital One Financial Corporation. AN rights reserved. O 2006 Capital One TCM 01 BC6056 - 5 -12/21106 Isparnl Notice: Payments you mat to ue d be credited to your eraunt as of tlw business day we receive it, provided (1) you send the bottom Parian of the stslarrent and your dark in U. enopd remr . snvabpe and (2) your parrot is received in our processor center by 3 p.m. ET (12 rem Pf). pleas aMOw at Mot We (5) buaksw days far poebl delivery. Parsons, no,h d by us at any oil- localton or in any War Ism may not be cradled as of the ivy we ream, them. Our business days are Monday through Saturday. excluding holidays. Ptew do not use elaptes, pacer dip, etc. who praparng your pymeM. 500016 pSSST... Capital One® does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services CapilIM11SW I what's in your wallet?' FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $12,190.03 - $365.00 + $164.00 + $159.68 = $12,148.71 $364.00 Jun. 19, 2007 Apr. 20, 2007 - May. 19, 2007 Page 1 of 1 PLEASE PAY AT LEAST THIS AMOUNT Visa Platinum Account 4003.4425.5128.9439 Q11MHkok Your Account Information REWARDS TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $351.29 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $351.29 Finance Charges (Please see reverse for important information) Balance rate Periodic Comes riding FINANCE applied to rate A R CHARGE Purchases $12,354.07 0.04425% D 16.15% $164.00 Cash $0.00 0.06068% D 22.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 16.15% ® At Your Service 1.800.955-7070 To call Customer Relations or to report a lost or stolen card: ® Send payments to: Capital One Bank - P.O. Box 70884 - Charlotte, NC 28272,0884 A Send Inquiries to: Capital One P.O. Box 30285 - Salt Lake City, UT 84130-0285 AN& For more Information on your Rewards: ® Visit: ~.capltalone.eemlmgesrewards Call: 1.800228-3001 Rewards Summary Previous available balance: 17,148 Earned this period: 198 (refisch; transactions posted during this billing cycle) Available Balance: 17,346 Payments, Credits & Adjustments 1 19 MAY CAPITAL ONE ONLINE ACH PA YMENT $365.00- Transactions 2 21 APR PAYPAL'MALCOMWIREL 402.935.7733 NY $8.98 3 24 APR TWX'AOL High Speed 0407 888-889-7201 NY $9.95 4 30 APR THE PATRIOT-NEWS MACTIVE 717-255.8237 PA $29.20 5 30 APR THE PATRIOT-NEWS MACTIVE 717.255.8237 PA $31.40 6 04 MAY LUBE N 00 CARLISLE PA $16.00 7 04 MAY AMOCO OIL 06954408 CARLISLE PA $39.15 8 04 MAY ADVANCE AUTO PARTS #1256 CARLISLE PA $6.12 9 09 MAY LWL'LIME WIRE LLC 212-219-6050 NY $18.88 6056 506 1 7 19 070519 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4003442581289439 19 0000000365000364009 CaplfalQw' I what's in yourwallet7' Account Number: 4003-4425-8128-9439 New Balance Minimum Payment Due Date $12,148.71 $364.00 Jun. 19, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed . Capital One Bank P.O. Box 70664 1gill 1111lll111lll11111 Charlotte, NC 26272-0664 1 loll Hill 11111111 Still Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone #9014078490576049# MAIL ID NUMBER ANTHONY J nIRA 1312 SOSLER PL CARLISLE, PA 17013-4284 01116111 lllil rinll 101111111,1111 111611 ll1ln6ul61616U Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Whether it's braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone.com to learn more! Capital One Bank, Capital One, F.S.B., Members FDIC. 1. How to Avoid a Finance Charge. t a. Grace Period. You will hew a minimum grace paned of 25 days without Arnaee charge on now purdtues, new balance transfers, new special purrheeea and new other charges if you pay your total *Now Balance', in aocordance with the important Notice for payments below, and In time fo It to be credited by your netl statement closing date. Thera is no {race period on rash advances and special transfers. In additim there is no grace period on any transaction if you do not pay the total 'New balance.' b. Accruing Finance Charge. Transactions which are not subject In a grace period we assessed finance charge 1) from the dab of the transaction or 2) from the date the transaction is Processed to your Account or 3) from the find calendar day of the current filing period. Additionally F you did not pay Me -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 mans that you may still owe finance charges, even It you pay the entire New Balance indicated on the front of your statement by the nail statement dosing ate, but did not do se for the previous month. Unpaid Francis charges ace added to the applicable segment of your Account. t c. Minimum Flntim Change. For each Nang period that your arrant Is subject to a Rance charge, a minimum total FINANCE CHARGE 450.50 will be imposed. t tl. Temporary Reduction in FI' omm CMrge. We massive the right to not assess any or all finance charges for any given billing period. 2. Avenge Del Bal.- (Including flew Purchaea). Finance charge is calculated by multiplying gee daily balance of each Segment of your account (e.g., cash advance, purchase, special transfer, and Special purchase) by the corresponding daily periodic rate(.) that has been previously disclosed to you. At the and of each day during the bling period, we apply the dally periodic rate to each segment of your account to to daily balance of each segmard. Than at the one of the billing period, we add up the results of save daily calculations to arrive at your parodic fi a charge for each Segment. We Odd up to muft from each Segment to arrive at the toiel periodic Rance charge for your account To get the dally balance for each segment of your account, we take the beginig balms for each segment and add any now, transaction and any parlodic finance charge calculated on the pmvbue daft balance for that SeQront. We then Subtract any payments or credits pasted n of got day that are allocated to that segment. This gives us the separate doily balance for each segment of your account However, If you paid the New Balance shown on your pevous statement In ful (a If your new balance was zero m a credit anountl. raw eraactlons, which post to your purchase or special purchase segments as not added to the daily batsmen. We calculate the average daily balance by adding all the airy balances together and dividing the sum by the number of the days in the current billing cycle. To calculate your Idal finance charge, multiply your average daily balance by On daily periodic rate and by the number of days in to biting period. Due to rounding on a daily base a due to minimum finance charge assessment, due may be a varlance between this calculation and the amount of finance charge actually anteread. 3. Annual Percentage Rata (APR). a. The term 'Annual Percentage Rat." may appear as'APW on the from of this statement. b. If the code P (Duatarly Pnnvs, L (Quarterly LIBOR), C (Quarterly CD), or S (Bankcard Prime) appears on the front of this statement next lo the Periodic rate(s), the periodic rota and corresponding ANNUAL PERCENTAGE RATES may wry qualerly and may Increase or decrease bleed on the stated indices, in found in The Wall Street Journal, plus the margin previously disclosed to you. Than diverges will be effective on the first ay of your lathing period covered by your periodic statement ending In the months of January, April, July and October. c. If the code 0 (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the periodic lane(s), the periodic tale ant comsepondrg ANNUAL PERCENTAGE RATES may very monthly and may increase or decrease based on the sated Indicts, as found In The Wall Street Journal, plus the margin previously disclosed to you. Than changes whit be affective on the first day of your billing period each month, /. Aaaeamam of Lat., Ovrllmlt and Returned Payment Fees. Under the tome of your customer agreement, we reserve the right to wales or not to asses any fees aNhout prior notMcadon on you withoutwelvi g ourrignt to assess the same or similar fees ata later bms. t 5. Renewing Your Account. If a membership fee appears on Sit front of your Statement, you haw 30 days from ins dale the statement was mailed to you to avoid paying the fee o to haw Rich fee credited to you if you cancel your account without having to Pay the membership fee. To cancel your aoooont, you must notify us by calling our Customer Relations Department and pay your 'Now Beaee' In full (excluding the membership fee) prior to the and of the thirty-day period. 6. R You Close Your Account. You can request to dose your Seem" by calling our Customer Relations Deportment You must destroy your credit card(s) and account Some checks, wheal all prowthorized billing and me* using your account. After your request to close, t you continue to transact or do not cancel praultwdzed baring arrangements, we 41 consider receipt of a dsrge your autnotmdon to keep your account open. Additionally. your account will not be dosed unfil you pay all amounts you owe us including: any transaction you haw authorized, finance charges, past due fee, ovedroa fees, rsWmed payment lea, rash advanco fees and easy other fees reamed to your account. You are responsible for than amounts whether they appear on your account at the ante you request to does the account or they ace incurred subsequent to your mquet to dose the account. This may result in changes appearing on your account afar you hew requested the account 1. be dosed. 7, Using Your Account Your cold 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 fund transfer funds may be withdrawn From your bank account as soon as the some day we receive your payment , and you will not receive your check back from your financial Institution. BILLING RIGHTS SUMMARY (In Can of Enos or Questions about Your BR) If you think your bill Is wrong, or If you need mom infomatlnn on a trensaetion or bid, write to its on a separate sheet as soon as possible at the address for inquina shown on the front of this statement. We must hear from you no later than 60 days after we Sent you the first bid on which the error or problem appeared. You can call our Customer Relations number, but doing so will not preserve your rights. In your letlr, give us the folkwnirp information: your rwme and account number, the dollar amount of the Suspected error, a description of the smor and an explanation, a possible, of why you believe them Is an error; or If you need moo information, a description of the item you are unsure about. You do not have to pay any amount in question while we are Investigating a, 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 deluhpuaru o eke any action lo collect the amount you question. t. t Special Rule for Credit Card Purchases IF you haw a problem with the quality of property or services that you Purchased with a wed it card and you hew tried in good faith to caret Via problem with the Merchant, you may have the 09M not to pay the rernelning amount due on the property or arviea. You haw this protection only when the purchase price was mom than $50.00 and the purchase was made In your home state or within 100 miles of your mailing address. (If we won or operate the merchant or If we mailed you the advatlsement for the property a services, all purchases are covered regardlen of amount or location of purchase.) Please remember to sign all correspondence, t Does net apply to consumer ran-credit card accounts t Does net apply to buskrew noncmoft card account Capitol One Supports information privacy protection: we our wabske at wwwosplialonecom. Capital One is a federally registered service mark of Capital One Financial Conporedon. AN rights reserved. 02006 Capital One 01 BCS056. 6 -12121 /O6 In lief" i Motaa: Payments YOU Mal tow nil be cradled b You acccrnt a of the buss a day ea recsia I. provided (1) you send the bdtan omen 01 ft saanwx and Yoe died n to enclosed ramlana Mvebpe and (2) row PayMaa a Waived in our proaeng tartar by 3 fin. ET (12 man Fri. Paaa slow at last *a (5) business data far peals denary. Payments meswed by w e any alive kmation or n my eta form may rid be cradled n of the city ae make tan. Our baaan days in Monday ft.* SMuiday, exddng how" Pane do rid we nacho, paper dips, sic. when preparing your payment. Capital One Auto Buying'. 0108 makes car-buying easier. Because you're already a Capital Onea customer, • you qualify for special, low, No Hassle pricing ? Low, No Hassle pricing on a huge selection of new and used cars at ? No negotiating needed e • exclusive partner dealerships near you. Less time at the dealership, a quick buying ? Huge inventory of new process, and a great low price all add up to our and used vehicles Q?NOHassle No Hassle promise when you buy your next car. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $12,148.71 - $365.00 ? $199.56 + $39.91 = $12,023.18 $360.00 Jul. 20, 2007 May. 20, 2007 - Jun. 25, 2007 Page 1 of 1 PLEASE PAY AT (FAST THIS AMOUNT IMPORTANT INFORMATION ABOUT YOUR GRACE PERIOD: If you pay your balance in full every month by Visa Platinum Account your due date, you will enjoy an interest-free grace period of 25 days on new purchases. Paying by your due 400344258128-9439 Q41Mil assle date also helps you avoid late fees. Please see the back of your statement for more details and thank you for Your Account Information REWARDS your business. TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $476.82 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $476.82 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $12,188.48 0.04425% D 16.15% $199.56 Cash $0.00 0.06068% D 22.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 18.15% ® At Your Service 1$00.9557070 To call Customer Relations or to report a lost or stolen card: ® Send payments to: Capital One Bank - P.O. Box 70884, Charlotte, NC A Send Inquiries to: Capital One - P.O. Box 30285 - Salt Lake City, UT ® For more Information on your Rewards: Visit: www.capitalone.oomlmllesrewards Call: 1-800.228-3001 6056 506 1 7 2 03~19W I what's in your wallet?. Rewards Summary Previous available balance: 17,346 Earned this period: 60 (reflects transactions posted during this billing cycle) Available Balance: 17,406 Payments, Credits 8 Adjustments 1 19 JUN CAPITAL ONE ONLINE ACH PA YMENT $365.00- Transactions 2 24 MAY TWX'AOL High Speed 0507 888.889.7201 NY $9.95 3 22 JUN SHEETZ 00001917 CARLISLE PA $20.01 4 24 JUN TWX'AOL SERVICE 0607 800-627-6364 NY $9.95 28272-0884 84130-0285 5 070625 PAGE 1 of 2 OIDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4003442581289439 25 0000000365000360003 New Balance Minimum Payment Due Date $12,023.18 $360.00 Jul. 20, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70884 Ialto l1111lllfill still Charlotte, NC 26272-0664 111 11Ills IIf 1t??ot?u?t??11r111?t?tl11111111111r11,11.rll Account Number: 4003-4425-8128-9439 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address #901777849057604172 MAIL ID NUMBER ANTHONY J MIRA 1312 SOSLER PL CARLISLE, PA 17013-4264 Ia1 11111,111111111111111] 11 11111 111111 fill 6r11111116t, Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. t e. Gran Period. You wil hays a mioknum grace period of 25 days without finance charge on new purchases, now balance transfers, new spedal 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 payment due date. There I. 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. Accruing Finance Charge. Transactions which am not subject la a grace period was assessed finance charge 1) from the data of the transaction or 2) Oran the data the transaction is processed to your Account or 3) from the fast calendar day of the arrant bang period. Additionally, V you rid not pay tie Tlew Balance" From the previous being period in full, finance charges continue to sameW Yar unpaid balance until the unpaid balance is paid in fut. This moans that you may std owe finance charges, even It you pay the entire New Balance Indicated on the front of your statement by the payment der date, but did not do so for the previous month. Unpaid mane charges are added to de applicable segment of your Account t c. Minkrasn Fauna Gape. For each bang period that your account a eub}act to a Frnmra change, a minimum total FINANCE CHARGE of 50.50 wiN be imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not assume any or all finance charges for any given baling period. 2. Avenge Dray Balance (Including New Purchases). Finernce, charge is calculated by multiplying the daily balance of each segment of your account (e.g., cash advance, purchase. special bander, and special purchase) by the camspondig dry periodic hotels) that has been previously disclosed to you. At the end of each day during eta billing period, we apply the doily periodic rate for each segment of your account to the dally balance of each segrtent. Then at the and of the Nang period, era add up the results of cruse daily calculations to arrive at your periodic finance charge for each segment . We add up the results from each segment to air % at he idal periodic (hence charge for your account To ON the daffy balance for each segment of your account we take the beganng bakence for each segment and add any rtewaansactons and arty periodic finance change calculated on the previous days balance for eta sagnuM. We hen subtract any payments or credo posted as of but day that em slodeted be that segment. This gives us the separate daily balance for as& segment of your account. However, If you paid the New Balance shown on your previous statement In full (or If your new balance was zero or a credit amount), new transactions, which post to your purchase or special purchase segments are not added to the dry balances. We calculate the average dally balance by adding at the dally babmba together and dividing the sum by the number of the days in the current billing cycle. To calculate your Idal finance charge, multiply your average daily balance by the daily periodic rate and by eta number of days in the bi&V period. Ow to rounding on a dally basis or due to minknum finance charge assessment, them may be a vadance between this calculadw and the amours of finance dwrge actually assessed. 3. Annual Parsonage Rates (APR). a. The term 'Annual Percentage Rate" may appear as'APR' on the front of this statement. b. If the code P (Quarterly Prime). L (Ouartary LIBOR), C (Ouarledy CO), or S (Bankcard Prime) appears on the front of this statement next to the periodic role(s), the periods rates and corresponding ANNUAL PERCENTAGE RATES "Y vary quarterly and may increase or decease based on the slated indices, as farad in The Well Street Jolanal, plus ON margin previously disclosed b you. These dlergae wil be effective on the fast dry ofyour billing period cavwW by your periodic statement ands g In the months of January, April, July and October. c. If the cads D (Monthly Prune), F (Monthly LIBOR), or G (Treasury LIBOR) appeal on the front of your statement men to the periodic rests). the periodic rates and -paneling ANNUAL PERCENTAGE RATES may vary monthly and may incresse or de-saw bated on the staled Inclose, as found In The Wall Street Journal, plus the margin previously disclosed to you. Tress changes call he west- on the find day of your bBlrg period each month. 4. Assessment of Lola. Owllmtt and Retuned Payment Fads. Under the lams of your ensurer egreamenl, ve mserve the right to "No or not to swoss any fees without prior notificallon to you without walvirp our right to assess the same or similerfees We lebrtime. t 5. Renewing Your Account. B e membership fee appears on the front of your statement, you have 30 days from the data this statement was mailed to you to avoid paying the fee or to haw Such fee credited to you a you cancel your s ccurd WfulUt having to pay the manbership fas. To cancel your account you must notify us by canna our Cusmmer Ralaeore Dapartrramt arid pay your 'New Balance' In full (excluding the membership feel prior to the end of the thirty-day period. 6. N You Coss Your AcoouM. You can request to dose your account by calling our CuNdner Relations Department. You must destroy your credit ach(e) and account aabss dadb, anal ON presuaronized billing and cease using your amount. After your request to close, 0 you continue to tmmad or do not ancel presutiorized baling arrangemente, we oral comlder recalpl of a dege your aulheriTodon to keep your account open. Additionally your account will not be dosed until you pay all amounts you owe us including: any oweactions you have authorized, finance charges, past der fees, ovedimlt few retuned payment leas, ash advance fees and sly olherfeee .sassed to your -M. You am recponabte for these ermunts whether Nay appear on your account at the rime you request to close, ate a nt or they am dawned subsequent b your request to dose the account. This may result In dargss appearing on your account after you have requested the -11. be dosed. 7. Using Your Account. Your card or account cannot be used in connection with any Internet gambling Ininsoctlons. 8. Notice About Electronic Check Conversion. Whin you provide a check es psyment, you authorize us either to use information from your check to make a one-lima 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 fund transfer, halls may be wltldravm from your bank account as soon ss der same day we resolve your payment, and you will not receive your check back from your financial Institution. BILLING RIGHTS SUMMARY (In Casa of Errors or Owellore about Your Bill) B you think your rip Is wrong, or d you need more Information on a transaction or bit, write to to on e separate sheet as soon as possible at the address for inquiries shown on the front of this statensna. We must hear from you no later then 80 days alter era sent you the first NO on which the error or problem appeared. You can call our Customer Relations number, but doeg so will nal preserve your rights. In your letter, give us the following Information: your name and account number, the dolor amount of the suspected error, a description of the arto and an explanation, N possible, of wiry you bellow there Is an anon, or If you need mom information, a description of the item you am unsure abouL You do col haw to pay any amount n question while we are Investigating f, but you are still obligated to pay the parts of your NII that am not in question. While we investigate your question, we cannot report you w delinquent or take any action to tolled the amount you question. 3, t Special Rub for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may hove the rpm not to pay the mominig amount der on the property or services. You have this protection only when the purchase price was more than $50.00 and the purchases 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.) Plaese remember to sign all correspondence. t Does rot apply to consumer noncrodlt card accounts t Does rot apply to business noncredk card accounts Capital One supports information privacy protection: we our wsbsite at wwwoeottabra,i?. Capital One la a federally registered service mark of Caporal One Financial Corporation. AN rights reserved. O 2008 Capital One 01 DM6056 - 1 - 04/10/07 Important Notice: Payments you math to w vin be cod led to your aaoux as of the business day we mceiu 1, provided (1) you send the bottom portion of In summed and you pack m tie wetted mmft r an,*" all (2) you psymam a received m our processirp ceder by 3 pun ET (12 noon PT). Plnee allow at IIW We (5) Waken days far palat delivery. Payments received by us M any omar location or in any other form may not be cooled as of the day we wake sum. Our bus new days are Monday through Saturday, esdudkg healays. Pksse do not use stapes, paper dps, ear. when inowng your payment. scrap the paper Save time, money and clutter by signing up for online statements. 200237 Cut out paper hassles-go to wwwcapitalone.com?savesomepaper • Go to www.capitalone.com/savesomepaper. Then log in to your account and click on the "Customer Service" tab. Then click on the "Sign up for online statements" link on the right, under "My Account." • Reduce clutter and filing chores and save space-see your last six statements online. • No more waiting for snail mail to deliver your statement- get an email each month when your statement's ready to view online. • Forget buying stamps, writing checks, and filling out payment slips- pay online whenever you like with a few easy clicks. • Last but not least, your children and grandchildren will thank you- for the trees you'll save by getting your statements online. ® Go to www.capitalone.com/savesomepaper Log in to your account and click on the Customer Service tab Then click on the Sign up for online statements link on the right, under My Account Thanks for choosing Capital One © 2007 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 200237 6056 506 1 7 25 070625 PAGE 2 of 2 OID-56 500016 mSSST... Capital One" does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and to manage your account online. Caplta1()W' I what's in your wallet7' FINANCE Previous Balance Payments d Credits CHARGE Transactions C$12,023.18 - $441.60 + $161.24 + $187.52 Jun. 26, 2007 - Jul. 25, 2007 Page 1 of 1 Visa Platinum Account 4003.4425.8128.9439 Q 11D!Hassk Your Account Information REWARDS TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $569.66 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $569.66 Finance Charges (Please see reverse for important information) Balance rate Periodic Coresporiding FINANCE applied to rate APR CHARGE Purchases $12,146.16 0.04425% D 16.15% $161.24 Cash $0.00 0.06068% D 22.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 16.15X At Your Service 1.800.955.7070 To cap Customer Relations or to report a lost or semen card: ® Send payments to: Cagtal One Bank P.O. Box 70884 - Charlotte, NC 28272-0884 A Send Inquiries to: Capital One - P.O. Box 30285 - Salt Lake City, UT 84130-0285 New Balance Minimum Payment Due Date $11,930.34 $357.00 Aug. 20, 2007 R EASE RAY AT LEAST THS AMOUNT Rewards Summary Previous available balance: 17,406 Earned this period: 240 (reflects transactions posted during this billing cycle) Redeemed this period: 10,200- Available Balance: 7,446 Payments, Credits 8 Adjustments 1 18 JUL PAYMENT $10.00- 2 18JUL PAYMENT $350.00- 3 19 JUL CREDIT-TRAVEL REWARD $81.60- Transactions 4 24 JUN PILOT Carlisle PA $25.02 5 27 JUN GIANT FUEL #112 CARLISLE PA $27.00 6 27 JUN DELTA AIR 0065052398857 WASHINGTON MO $81.60 TK#: 0065052398857 PSGR: MIRAIANTHONY ORIG: XAA, DEST: XAO CARRIER: DL SVC: Y 7 02 JUL Epoch.oom 'BangBrosc 800-893.8871 CA $23.95 8 11 JUL THE MEN'S WEARHOUSE #5208 HARRISBURG PA $20.00 9 24 JUL TWX•AOL SERVICE 0707 800.827.6364 NY $9.95 ® For more Information on your Rewards: Visit: www.capitalone.comimilesr wards Call: 1.80).228.3001 6056 506 1 07 25 070725 PAGE 1 of 1 OlDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW,CAPITALONE.COM TO MAKE YOUR PAYMENT ON LINE 0 4003442581289439 25 0000000350000357005 what's in your wallet?' Account Number: 4003-4425-8128-9439 New Balance Minimum Payment Due Date $11,930.34 $357.00 Aug. 20, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed C Capital One Bank P.O. Box 70664 IrlrrlEElrlrrllttrlrll Charlotte, NC 26272-0664 ItrLIlrrLtrlEll,rrltdrlllrrtlrrldlrLlLrllrrlHLrjlrrdl Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address @ #9020778490576046# MAIL ID NUMBER ANTHONY J "IRA 1312 BOSLER PL CARLISLE, PA 17013-4264 I r l l l n r l l l I I Ito Ell n ll rt Lr I n it ll rt l H l n 6n ll n 611 nr Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Whether it's braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone.com to learn more! Capital One Bank, Capital One, N.A., Members FDIC. 1. How to Avoid a Flni na Charge. t a. Onto Period. You will have a minimum grace period of 25 day. without finance charge on new purchases, new balance tr ithim, new spatial purchases and new other charges s you pay your total 'New, Ilalmmo. in ii.onhuo` with the Important Notice for payments below, arid in firms for It to be credited by your payment due date. There I. re grace period on cash advances and special transfers. In addition, Mere I. no grace period on any trarnsectbn if you do not pay the total 'New balms.' b. Accruing Fsan" Charge. Transactions which an not subject to a grace period we assessed finance charge 1) from the date of the transaction a 2) from the data the transaction is processed to your Account or 3) kom the fast calendar day of the current billing period. Additionally If you dal not pay the 'Nov, Balance' from the previous bNkhp period in full, finance charges continue to aeae9 to your unpaid balance unfit the unpaid baance is paid in full. This means that you may sU1 owe fnahhce Charges, even a you pay the entire New Balance Indicated on the hors at your statement by the payment due date, but rid not do so for the previous month. Unpaid finance charges are added to the appgcabis segment of your ACco ont. t c. Mlnlnaan Finance Charge. For each biting pMod that your account is sub d to a chance charge, a mlNmum total FINANCE CHARGE o($0.50 will be Imposed. t d. Temporary Reduction In Flnena Charge. We reserve the right to not assess any or all finance charges for any given bling period. 2. Avenge Dally Balance (Including New Puro horam . Finance charge is calculated by multiplying the doily balance of each segment of your account (e.g., ash advance, purdhme. spacial barrlar. and special purchase) by the corresponding dry periodic ae(s) that has been previously disclosed to you. At the end of each day during the b11ng period, we apply tie dally ftorWdic rate for each segment of your account to the daily balance at each aegm-L Than at the and of rue bNng period, we add up the moues at these daily calculations to arrive at your periodic Arena carge for each segment. We add up the muff from each segment to wise at the total periodic M1Whee charge for your account. To gel the deify balance for each segment of your account, we take tie bspmig bWnu for aech ssgmerd tied add arty raw, tromadi0ns and ary parodic dance chugs calculated on the previous days batence for that segism. We tiara wbUact any psyrrorso or rredls posted as of that day that we allocated to that segment. This gives ce U. s.Pa. rely balance for each sepnws of your account. However, If you paid the New Be*" shown on your previous summent In full (m if your raw balance was zero or a credit anourd), raw Iraneeaona, which poet to your purchase or spatial purchase segments are not added to the defy balances. We calculate the swinge daily balance by adding al the daily balances together arid dh idng the sum by the number of the days in the wnent biting cycle. To calculate your total Imance charge, multiply your average deify balance by the daily periodic rate and by the number of days in the bilirp period. Due to roundup on a daily basis or due to minknum finance charge assessment, than may he a variance between this calculation and the amount of finance charge actually assessed. 3. Annual Porcism ape Rates (APR). a. The temu'Annual Percentage Rate may appear as'APW on the front of this statement. b. If the code P (Quarterly Prime), L (Quarterly LIBOR), C (Quarterly CD), or S (Bankcerd Prime) appear on the front of this statement newt to the periodic role(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may Increase or deaesss based on the stated indices, tie ficsd in The Wall Street Journal , plus the margin previously discosed to you. These can fee will be effective on the fiM day of your tilling period covered by your periodic statement ending In the months of January, April. My and October. c. If to code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the staled Indices, as found In The Wall SReet Journal, Plus the margin previously disclosed to you. Thee changes will be effective on the that day of your billing period each month . 4. Assessment of Late, Owtlmk and Rabansd Payment Fees. Under the terms of your customer agreement, we reserve the right to valve or not to assess any fees without prior notification to you withoutwaNUp our right to asses. the same or similarfeas at a laterlirtm. t 5. Renev iing Yew Account. If a membership fee appears w the front of your statement, you hew 30 days from the data this statement was mailed to you to avoid plying the fee or to have win fee credited to you d you anal your account without having to pay the membership fee. To cancel your socouwht, you must nodly us by calling our Customer Relations Department and pay your vNew Balance N full (excluding the membership fee) prior to the end of the thirty-day period. 6. N You Clop Your Account. You an inquest to dose your account by ailing our Customer Relations Department. You must destroy your credit card(s) and account access decks, renal s1 prawthorized billing and cease using your account After your request to dose, tt you continue to transact "do not cancel preauthorized biding arrangements, we At corWder realpl of a charge your multiplication to keep your accout opon. Additionally, your amount will not be dosed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, past due fees, ovadmh fees, returned payment fees. ash advance fees end any other leas assessed to your account. You we responsible for these amounts whether they appear on your account of the time you request to dose the account or they are Incomd subsequent to your request to dome the account This may result in Barges appearing on your account after you have requested the account to be dosed. 7. Using Your Account. Your card or account cannot be used in connection with any Internet gambling transactions. 6. Notice About Electronic Check Conversion When you provide a check to payment, you authorize us either to use information from your check to make a one-lime electronic hand transfer from your bank account or to process the payment as a check transaction. When we use Information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your chock back from your financial institution. BILLING RIGHTS SUMMARY (In Case of Errors or Questiora about Your BIN) tt you think your bill Is wrong, or If you need mare Information on e transaction or bill, write to us on a separate most as soon as possible at the address for inquiries shown on th e 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 dcng so will not preserve your rights. In your letter, give us the following Informatlcn: your name and account number, the dollar amount of the suspected error, a description of the error and an explanation, U possible, of why you believe then is an error: or If you need mon information, a description of the item you an unsure about You do not have to pay any amount in question while we am investigating it, but you ant stiff obligated to pay the pars of your bit Mat an not in question. While we Investigate your question, we cannot report you to delinquent or take any action to collect the amount you question. F. t Special Rule for Credit Cad Purchases If you haw a problem with the quality of property or services that you purchased with a credit all and you haw tried in good faith to caret the problem with the mere ant, you may have the rote not to pay ft ramming amount dial w the property or serAkee. You have We protection only when the purchase price was more than $50.00 and the purchase wss merle In your home state or wilbun 100 miles of your mailing address. (if we won or operale the merchant, or If we malled you the advertisement for the properly a services, all purchase are covered regardless of amount or location of purchase,) Phase remember to sign all correspondence. t Does not apply to consumer non-ofit card accounts S Does not apply, m business non-creep! card eccounrs Capital One supports information privacy protection: see our weblike at mDScatoullone . Capital One Is a federally registered service mark of Capital One Financial Corporation. At rights reserved. O 2006 Capital One OlDM6056.1-04110/07 Impotnt Nome: Pryments you out to a wa be credmd to your accost in of the buemn day we rams it. provided (1) you send the botian portion of the "*"am and you dsck in the endoeed remfter. envelope and (2) your payment Is sawed its our Roo"" center by3p.m.ET(12noo0PT).Prue.sowelballrevs(S)bu.ihnsdaysfap..Wddhay.Paynsb-M,WbyaM cryow bcomorn any War form may not be abed in of the day we nacre Item. Our busns day. ua Mossy tlaough Satuday, ncludng hoslays. Please 0 not use olipl., pope, clips, sic. when pap eft your payment. 500008 CapitalQW what's in your wallet?' It could happen to anyone. Make sure you pay the amount ANTHONYJ MIRA 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 • • BETTER INTEREST RATES (good credit could mean lower interest rates) • • IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ® 2006 Capital One Services, Inc. Capital One is a fedemUy registered service mark. All rights reserved 500008-08503 FINANCE Previous Balance Payments d Credits CHARGE Transactions New Balance Minimum Paprienli // Due Date $11,930.34 - $0.00 + $ 171 98 + $694.74 $12,797.06 w74t .OCl Sep. 19, 2007) Jul. 26, 2007 - Aug. 25, 2007 Page 1 of 2 l PLEASE PAY AT LEAST THIS AMOUNT Visa Platinum Account 400344258128.9439 QA1 ! /a k Your Account Information REWARDS TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5.000.00 AVAILABLE CREDIT FOR CASH $0.00 ------------- -- - -------- - ------ ---- --- - Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $12,537.49 0.04425% D 16.15% $171.96 Cash $0.00 0.06068% D 22.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 16.15% ® At Your service 1.600.9557070 To call Customer Relations or to report a lost or stolen card: ® Send payments to: Capital One Bank - P.O. Box 78884 Charlotte, NC 28272-0884 A Send Inquiries to: Capital One P.O. Box 30285 Sall Lake City, UT 84130-0285 ® For more Information on your Rewards: AWA Visit: ~,capitalone.comlmIlesrewards Call: 1.800.228-3001 `Important Notice- Your account was past due. Under the terms we previously disclosed to you, if your account is past due again in the next 12 billing cycles, your Annual Percentage Rates (APRs) may increase. Rewards Summary Previous available balance: 7,446 Earned this period: 711 (reflects transactions posted during this billing cycle) Forfeited this period: 656- Available Balance: 7.501 Payments, Credits 8 Adjustments___-_ Transactions 1 25 JUL TIMBERLINE TICKETS TIMBERLINE OR $45.00 2 26 JUL MT HOOD ARCO SANDY OR $30.62 3 26 JUL TIMBERLINE SKI TIMBERLINE OR $45.00 4 29 JUL UNION 76 00351809ISSAQUAH WA $29.50 5 30 JUL LEATHERS #50 SANDY OR $20.02 6 30 JUL TIMBERLINE SKI TIMBERLINE OR $45.00 7 31 JUL Tucows ` DomainDirect 416-531.2084 NH $14.99 8 31 JUL Tucows' DomainDirect 416.531.2084 NH $14.99 9 31 JUL Tucows' DomainDirect 416-531-2084 NH $14.99 10 31 JUL Tucows' DomainDirea 416.531-2084 NH $14.99 11 31 JUL Tucows' DomainDirect 416-531-2084 NH $14.99 12 31 JUL MT HOOD ARCO SANDY OR $14.04 13 31 JUL TIMBERLINE SKI TIMBERLINE OR $45.00 14 01 AUG EP0CH.COM'BANGBR0SCO8008938871 CA $23.95 15 02 AUG DOLLAR RENT-A-CAR PORTLAND OR $233.71 16 20 AUG PAST DUE FEE $39.00 17 24 AUG TWX`AOL SERVICE 0807 800-827-6364 NY $9.95 6056 506 1 07 25 070825 PAGE 1 of 2 OlDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4003442581289439 25 0000000350000740001 ?` what's in your wallet?' Account Number: 4003-4425-8128-9439 New Balance Minimum Payment Due Date $12,797.06 $740.00 Sei.3 143, 2CH:}7 Amount Enclosed Capital One Bank P.O. Box 70884 lrlrrlrTlrlril0rt0l0il Charlotte, NC 28272-0804 60111111 if ul1life sl,0lrllinrluir6riuirfill ri0r60Hill 11 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address @ #9023878490576041# MAIL ID NUMBER ANTHONY J MIRA 1312 BOSLER PL CARLISLE, PA 17013-4284 n0lilnrllinurriluliniuinlrllnlninlurlluirilm Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. Now to Avoid a Finance Charge. T a, Grace Period. You we have a minimum grace period of 25 days without finance charge an new purchases, new balance transfer, new spedal purchases and new other charges N you pay your total "New Balance", in accomance with the Important Notice for payments be-, and in time for it to be credited by your payment due date. There is no grace period on cash advances and special transfers. In addition, them I. n grace period on any transaction if you do not pay the total 'New balance.' b. Accruing Finanq Charge. Transactions which ane not aublect to a grace period am assessed finance deep 1) from the date of the transaction or 2) from the dale the transaction is processed to your Account or 3) From the fist calendar day of the amend biing period. Additionally V you rid not pay the "New Balance from the previous billing period in full, Nwwe charges continue to accrue to your unpaid balance until the unpaid balance is paid in full. This means that you may still owe Manor charges, even If you pay the entlm New Balance Indicated on the from of your statement by the Payment due dote, but rid not do so for the previous month. Unpaid finance charges am added to the applicable segment of your Account. t c. Minimum Finance Charge. For eadh dung period thd your account is subject to a Smi nea charge, a minimum total FINANCE CHARGE of 50.50 Will be imposed, t d. Temporary Reduction In Flrlarheo Charge. We reserve, the right to not assess any or all Mane charges for any given bNing period. 2. Avenge Daffy Balance (Including Now Purchases). Finance charge is calculated by ff~g the dally balance of each segment of your account (e.g., cash advance, purchase, special trandll, and special purchase) by the corresponding daihr periodic rebels) the has loon previously disclosed to you. At the and of each day during the billing period, we apply the daily periodic note for each segment of your account to the delay balance of each segrtwhl. Than at the end alma biBng period, wa add up the mouth of these daily calculations to arrive at your parlodic Mane charge for each so orient. We add up the results from each segment to artier at the total periodic Mence, charge for your -M To got the dally balance for each segment of your account vve take the beginning balance for each segment and add any new transactions and any pertodc Mane charge calcu*W on the previous doo balance for than segment. We them subtract any payments a credits posted se of that day the am .Nocatied to thal segment. This gives us the seperate day balance for each segment of your account. However, If you paid the Now Balance shown on your previous statement In ful (or N your new balance was zero or a credk emourk), new owscdon i, which post to you purchase or special purchase segments are not added to the daily batences. We calculate the average day balance by addng all the daily balances together and dividing the sum by the number of the days in the current billing cycle. To ulculafo you total finance charge, multiply your average dairy balance by the dairy periodic rate and by the nu~ of days in the billing period. Due to rouncling on e day basis or due to minimum finance charge assessment, them may be a variance between this calculation and the amount of finance charge actually saseesed. 3. Annual Percentage Rates (APR). a. The term 'Annual Percentage Rate" may appear as 'APR' on the front of this statement. b. If Ihe code P (Quarterly Prime). L (Quarterly LIBOR), C (ouenedy CD), or S (Bankkard Prime) appears on the front of this statement newt to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATER may wary quarterly and may increase or derrieres based on the staled indices, as fend in The NMI Street Journal, pin ice margin prmiousy d"loted to you. These dwhpes will be effective on the Nec day of your billing period covered by your periodic statement ending In the months of January, April, July and October. o. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to me periodic rate(s), the periodic raise and con-ponctng ANNUAL PERCENTAGE RATES may vary monthly and may nomess or decrease based on the stated Inclose, as found In The Wall Street Journal, pia the margin previously disclosed to you. These changes will be effective on the first day of your bgkp Period each comm. 4. Assasament of LW, Cwdknh and Returned Payment Feee. Under the lame of your customer agreement, we reserve the right to waive or not to assess, any fees wkhout prior ntkfeation to you witholdwalving ourdght toasseas the samaar simkarfees at a lalartime. T 5. Recessing YourAcacuN. B a membership fee appears on the front of your stasetrant, you have 30 days from the doe the statement "a mailed to you to avoid paying the fee a to have such fee crackled to you if you cancel your account without having to pay the membership fee. To cancel your account, you must notify us by coding our Customer Relations Departhient and pay your 'New, Balance In full (excluding the membership fee) prior to the end of the milty-day period. 8. R You Cie" Your Account. You can request to dose your account by caling ou Customer Relation Deportment. You must destroy your cmdk card(s) and account codes Media, canal all preauth ordad billing and cease using your account. After your request to does, if you continue to behead or do not cancel proeulhortaed billing arrangements, we will welder moelpl of a large your authorization to keep your account open. Additionally your account will not be dosed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, past due fees, ovedmk face, resumed payment foes, cash advance fees and any odor bee sesacsed to your account. You are responsible for those amounts whether they oppeor on your account M the time you request to dose Ire account or they am Inaurod subsequent to your request to dose thus account. This may result in charges appearing on your account after you have requested the account to be dosed. 7. Using Your Account Your card or account cannot be used in connection with any Internet gambling transactions. 8. Notice About Electronic Check Conwnlon, When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund bander from your bank account or to process the payment as a check transaction. When we use Information from you check to make an electronic fund transfer, funds my be withdrawn from your bank account as soon as the same day we receive your payment, and you will not mceNe your check back from your financial nstitution. BILLING RIGHTS SUMMARY (In Case of Errors or Questions about Your BIN) N you think your bill Is wring, or N you need mein Information on a transaction or bill, write to us on a separate sheet as soon as possible at eve address for inquiries shown on the front of this statement We must hear from you no labor Man 60 days after wa sent you the first bill on which the error or emblem appeared. You can cell 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 eV upon, N possible, of why you believe there is an error, or if you need mare information, a descripWn ot the item you am unsure about. You do not have to pay any amount in question while we am nveeagedrg It, but you are still obligated to lay the parts of you bill the are not In question. While we Investigate your question, we canrat report you es delinquent or take any action to oolect the amount you question. F, T Special Rub for Credit Card Purchases If you have a problem with the quality of properly or services that you purchased with a deck card and you have tried in good faith to cared the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. You have this protection only when me purchase pdce was more than $60.00 and the purchase was made In your home state or within 100 miles of your matiiep address. (If we won or operate the merchant, d k we milled you the advertisement for the popery or services, all purchases am covered regardless of amount or location of purchase.) Please remember to sign all correspondence, t Does rat apply to consumer no-dk cord accounts Y Does not spoy to business -edit card -1. Capital One supports information privacy protection: see our waosne at yt)D6,f,fal81. Capital One Is a federally registered service mark of Capital One Financial Corporation. All rights reserved. O 2006 Capital One TC48 01 DM6056 - 1. 0411 W07 Important Notice: Payments you meal to us war be Imdiad to you exeunt a of IN busimes day we nerve 8, pmvded (1) you aeM Ira bonom portion of this statement and your deck, in IM endowed iemianm enwbpe and f2) your payment is -oil in ow pmceweing racer by 3 p.m. ET (12 coon Fr). Pace sear at least five (5) busimas days for postal dewery. Payments received by aa at any other bcatbn or in any omn bra may not he aedead as of tlw day we amle them. Our business day. are M day kaough Sa u isy, -Wrig kidneys. Please do non tie sapks, paper spa, etc. when watering lour payment. Capita1CW 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest.. • Request a copy of your credit report from a credit reporting bureau regularly. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date C$11,930 -C$0.00 + $171.98 + =$694.74 = $12,797.06 -740 00 J Lep. 19, 2007) Jul. 26, 2007 - Aug. 25, 2007 Page 2 of 2 PLEASE PAY AT (FAST TEAS AMOUNT Visa Platinum Account Transactions (continued) 4003-0425.8128.9439 Q?AfoHanle 18 25 AUG OVERLIMIT FEE AUG 25, 2007 $39.00 Your Account Information REWARDS TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 6056 506 1 07 25 070825 PAGE 2 of 2 OIDM6056 Capital One Auto Buying'. 500"e makes car-buying easier. Iro Because you're already a Capital Onee customer, you qualify for special, low, No Hassle pricing Low, No Hassle pricing on a huge selection of new and used cars at exclusive partner dealerships near you. No negotiating needed Less time at the dealership, a quick buying ? Huge inventory of new process, and a great low price all add up to our and used vehicles (INOHassle - No Hassle promise when you buy your next car. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $12,797.06 - $750.00 ? $174.13 + $64.73 = $12,285.92 $368.00 Oct. 20, 2007 Aug. 26, 2007 - Sep. 25, 2007 Page 1 of 1 PLEASE PAY AT "M THIS AMOUNT Rewards Summary Visa Platinum Account 400344tinu cc ??MoMassle Previous available balance: 7,501 Earned this period: 65 Your Account Information REWARDS (reeeotstransactions posted duringthis billing cycle) Available Balance: 7,566 TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $214.08 moments, Credits & Adjustments CREDIT LINE FOR CASH $5,000.00 1 18 SEP CAPITAL ONE ONLINE ACH PA YMENT $750.00- AVAILABLE CREDIT FOR CASH $214.08 Finance Charges (Please see reverse for important information) Balance rate Periodic Conespording FINANCE applied to rate APR CHARGE Purchases $12,693.94 0.04425% D 16.15% $174.13 Cash $0.00 0.06068% D 22.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 18.15% Al Your Service 1600.9557070 To call Customer Relations or to report a lost or stolen card: ® Send payments to: Capital Or. Bank - P.O. Box 70884 - Charlotte, NC 28272-0884 e Send Inquiries to: Capital One P.O. Box 30285 - Sall Lake City, UT 84130-0285 AM& For more Information on your Rewards: Visit: www.capitebne.comlmllesrewards Call: 1-800-228-3001 ® Transactions 2 23 SEP PAYPAL'DISCOUNTSUR 402-935-7733 UT $39.79 3 24 SEP TWX'AOL SERVICE 0907 800.827.6364 NY $9.95 4 24 SEP DOMAIN EMAIL8663378633 866-337-8633 MS $14.99 Have a question about a charge on your statement? is (ale` what's in your wallet?. New Balance Minimum Payment Due Date F$12,285.92 $368.00 Oct. 20, 2007 Please refer to the Billing Rights Summery on the back of your statement or visit www.cao8alone.cortJdiBgutes. 6056 506 1 07 25 070925 PAGE 1 of 1 OlDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70664 i 1111 1111111 1111111111111111 Charlotte, NC 26272-0664 i116iiIIIIIIiliilllilliliiIloilo 16illillhliillillllliilllii 0 4003442581289439 25 0000000750000368008 Account Number: 4003-4425-8128-9439 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address @ #9026978490576046# MAIL ID NUMBER ANTHONY J NIRA 1312 8 0 S L E R PL CARLISLE, PA 17013-4264 is rli6t, Ili 11111111 rs ii n 6t' i is 601161 i rt i 111 i It of t i i II t Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. t. Now to Avoid a Finance Charge. T e. Grace Period. You will haw a minknum grace period of 25 days without finance charge on new purchases, row balance transfers, new special purchases and new other charges a you pay your total "New Balance', in accordance with the Important Notice for payments below, all in time for it to be Credited by your payment due date. Them is no grace period on man advances and special transfers. In addition, them is no grace period on any transaction If you do rat pay the total "New balance.' b. Accruing Finance Charya. Trans"$" which am not subject to e grace period are assessed finance charge 1) hen the data of the trancsaction or 2) from the data the transaction is processed to your Acocunl or 3) from the ixs calendar day CO the Current baling period. Aedala afi). V you did not pay the -New Balance' horn the K.V-a billing period In full, finance charges Continue to acceue to your unpaid balance until ON unpaid balance is paid in full. This means that you may sat owe finance charges, even IN you pay the entire New Balance Indicated on the store of your statement by the payment der date, but rid not do w for the previous month. Unpaid finance charges are added to the applicable segment of your Account It c. Iflninean Finance Charge. For sech being period that your account I. subject to a ananco, charge, a minimum total FINANCE CHARGE of $0.50 veil be Imposed. t d. Temporary Redued- in Finance Change. We reserve the right to not asaess any or all finance charges for my given bung period. 2. Average Daffy Balance (hekading New Purcheess). Firance charge is Calculated by multiplying the daily balance of each segment of your account (e.g.. cash advance, purchase, special trarshr, and special purchase) by due Corresponding daily periodic rate(s) tint has been previously disclosed to you. At the end of each day during the b ling period, we apply the daily periodic rate for each segment of your account to the dally balance of each wornant. Than at the end of the Willing period, we add up the results of these dairy Calculations to arrive at your periodic prance charge for won segment. We add up the results from each segment to anive at the bell periodic finance charge for your account To OW the dally balance for each segment of your accand, we take the beginning balance for each segmera and ale WW new Vwsadias and any periodic finance Marge Calculated on the previous day%balance fa that aepront. We man subtract any p.Whents or Charlie pasted as of out day that am alocated to that -W..M. This gives us the separate dally balance for each segment of your account. However, if you paid the New Balance shown on your previous statement in full (or d your new balance was zero or a oredh amount, new bamaWmn, which pa to your purchase or special purchase segments lie not added to the dally balances. We calculate the average daily balance by adding al the dairy helarows together and dividing the sum by the number of the days in the cument tiling cycle. To Calculate your total finance charge, mukkpiy your average daily balance by the daily periodic rate and by the number of days in the billing period. Due to mulling on a daffy basis or due to mminatm finance charge assessment, them may be a variance between this Calculation end the annum of finance charge actually sweated. 3. Annual Pa centaga Raw (APR). a. The term "Annual Percentage Rate" may appear - "APR" on to from of this statement, b. If de code P (Ouart" Prime), L (QuarlMy LIBOR), C (Quarterly CD), or S (Bankcerd Prime) appears on the front of this statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may wry 9uededy and may in_ c decaaee based on the stated indices, se; fohnd in The Wall Street Joumel, plus the margin previously disclosed to you. These dwVw will be effective on the find dry of your being period covered by your periodic statement ending in the months of January, April, July and October. a if the code 0 (Monthly Prime), F (Monthly LIBOR), or G (Tressury LIBOR) appear on the front of your stammer red to the Periodic rate(s), the periodic miss an -pond ng ANNUAL PERCENTAGE RATES may very monthly and may inc osse or decease based on the stated Indices, ss foundM The WWI Street Journal, plus the margin prevlourly disclosed to you. These charges wal be effective on the that day of your bMkg period coon month. 4. Asaesamant of Loh, Overtime and Ratumed Payment Feee. Under the terms of your c slomer agmanent we reserve the right to valve or not to seem any few wahkdt prior notification to you whhad mNkg ourright to assess the same or simlarmee at a htertime. T S. Rsnawkug your Account. It a membership fee appears on the front of your statement, you new 30 days from the dam this statement was meted to you to mid paying the fee or to have such w credited to you N you Centel your accoura wllt ud having to pay the membership fee. To cancel your accouK you must notify us by Calling our Customer Reletlors Department an pay your `New Balance" in full (excluding the membership fee) prim to the and of the thimtydey period. 6. IN You Clop Your Account. You Can request to dose your account by calling our Customer Relations Department. You must destroy your credit ad(s) and wcournt access Cards, axxl all prewthodzed billing and cpes using your account After your request to dose, d you confirm to transact or do not cancel preaumodmd billing arrangements, we wil consider r-Wlx of a charge your autnorzadon to keep your account open. Additionally, your account will nut be closed unM you pay all amounts you owe us including: any transactions you have authorized, finance charges, past due toss, overima fees, mUmned payment fees. call advance fees and any other leer -awad to your account. You are responsible for these amounts whether they appear on your account at the time you request to dose the account or they . am Incurred subsequent to your request to dose the acreunt The may result in dsges appearing on your account after you hew requested the account to be dosed. 7. Using Your Account, Your card or account Cannot be used in Connection with any Internal gambling transactions. 8. Notice About Electronic, Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-time elecbonk fund transfer from your bank account or to process the payment as a check transaction. When we use Wormallm from your Check to make an electronic fund transfer, funs may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not nwWw your check back from your financial kstltution. BILLING RIGHTS SUMMARY (In Case of Errors or Ouesdons about Your Bill) if you think your Nil is wrong, or If you need mom information on a transaction or bill, write to its on a separate sheet as soon as possible at the address for inquiries shown on the front of this statement. We must hoer from you no laser than 60 days after we sent you the first bill on which the mor 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 nsme and account number, the dollar amount of the "spooled error, a description of the shor an an explanation, N possible, of why you belle" them Is an error, or If you need more information, a description of the item you am unsure about. You do ml haw to pay any amount in question while we are investigating k, but you are still obligated to pay the parts of your bill that am not M question. While we Investigate your question, we cannot report you" delinquent or take any action to collect the amount you question. t t Spatial Rate for Credit Card Purchases If you haw a prodam with the quality of property or services that you purchased with a Qede card and you have tried in good faith to correct the problem with fin merchant, you may haw the right not to pay the remain" amount due on the properly or services. You haw dice protection orgy when the purchase price was mom then $60.00 and the purchase was made in your home state or within 100 miles of your mall g address. Of we own or operate the merchant, or If we maned you the advertisement for the property or services, all purchases we Covered regardless of amount or location of purchase.) Planes remember to sign all correspondence. T Does ray apply to consumer non-trade Card accounts T Does nor apply to business non-Cmda card accounts Capital One supports information pnwcy protection: we our wal site at . Capital One is a federally registered service mark of Capitol One Financial Corporation. AN rights reserved. 02006 Capital One TC-06 01 DM6056 - 1 - 04110107 Important Notice. Payments you msl to a will be credsd No your w:: cal as of tla business day we mane 1, provided (1) you saw the edam portion of the aMerraW and yes Mack In the enclosed rsmNerce envelope rad (2) you pryment I. mraivd in cur process" rams by 3 pm. ET (12 noon Pi). Plesw elmv at issl No (6) business days for poaa delivery. PsymeWS mcebed by a of a" ode location a in any odw Imm may not be cadited as of the ivy we make tlam. Our balms days am Monday it=* Saturday, excluding holdw. Piss do not use slapiss, paper cute, roc. when W pari g your payment. • - Capital One Auto Buying'. °N makes car-buying easier. Because you're already a Capital One"' customer, shortcut to you qualify for special, low, No Hassle pricing Low, No Hassle pricing on a huge selection of new and used cars at deal • • exclusive partner dealerships near you. ? No negotiating needed Less time at the dealership, a quick buying ? Huge inventory of new process, and a great low price all add up to our and used vehicles (ZINOHassle - No Hassle promise when you buy your next car. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $12,285.92 - $370.00 + $160.43 + $213.42 = $12,289.77 $368.00 Nov. 19, 2007 Sep. 26, 2007 - Oct. 25, 2007 Page 1 of 1 PULSE PAY AT I1A5T THIS AMOUNT Visa Platinum Account 4003.4425.8128.9439 QhNollfesste Your Account Information REWARDS TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $210.23 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $210.23 Finance Charges (Please see reverse for important information) Bpi ed trate o Periodic Cort Asponding CHARGE Purchases $12,471.53 0.04288% D 15..68 R 5% $160.43 Cash $0.00 0.05932% D 21.65% $0.00 ANNUAL PERCENTAGE RATE applied this period: 15.65% sl? At Your Service 1.800.955.7070 To call Customer Relations or to report a lost a stow card: ® Send payments to: Capital One Bank P.O. Box 70884 - Charlotte, NC 28272-0884 Rewards Summary Previous available balance: 7,566 Earned this period: 193 (reflects transactions posted during this billing cycle) Forfeited this period: 80- Available Balance: 7,679 Payments, Credits & Adjustments 1 22 OCT CAPITAL ONE ONLINE ACH PA YMENT $370.00- Transactions 2 24 SEP PAYPAL "JIMDO GMBH 402-935-7733 CA $72.00 3 24 SEP NELUS - WALNUT BOT CARLISLE PA $15.31 4 27 SEP WM SUPERCENTER CARLISLE PA $11.97 5 27 SEP USPS 4134870013 CARLISLE PA $16.25 6 02 OCT DOMAIN EMAILB663378633 865-337-8633 MS $14.99 7 02 OCT CCBill.com •RK Netmedia, 888-5969279 AZ $24.95 8 18 OCT STATEMENT REPRINT FEE $9.00 9 20 OCT PAST DUE FEE $39.00 10 24 OCT TWX'AOL SERVICE 1007 800-827-6364 NY $9.95 A Send Inquiries to: Capital One P.O. Box 30285 - Soft Lake City, UT 84130-0285 ® For more Information on your Rewards: Visit: w .copitslme.comlmilesrewards Call: 1-800-228-3001 You were assessed a past due fee because your minimum payment was riot received by the due dale. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach ® Have a question about a charge on your statement? Capital One. Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitalone.corrddisoutes. 6056 506 1 07 25 071025 PAGE 1 of 1 OIDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4003442581289439 25 0000000370000368008 o' what's in your wallet?. New Balance Minimum Payment Due Date F$12,289.77 $368.00 Nov. 19, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70664 loleo irpill IIlilrrllsl Charlotte, NC 26272-0664 I11 11 1611 1 rrl,IlrrrlrrlrllLrdrJdr111161 1616111116rril Account Number: 4003-4425-8128-9439 Please print address or phone number changes below using blue or black ink. Nome Phone Alternate Phone E-mail address @ #9029978490576043# MAIL ID NUMBER ANTHONY J MIRA 1312 B0SLER PL CARLISLE, PA 17013-4264 urlilusilirrrurl1Uiirrllrinlrllrrlulnlrrrllrrlrllnr Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. Hots to Avoid a Finance Charge. T e. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transfers, new *pedal purchases and new other charges l you pay your total *New Balance', in accordance with the Important Notice for payments below, end in time for it to be credited by your payment due date. There is no grace period on cash advances an special transfers. In addition, there is no grace period on any transaction t you do mot pay the total "Now balance.' b. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date of the harmed ion or 2) from the data the transaction is processed to your Account or 3) from the W calendar day of the current being period. Additionally M you did not pay the'Naw Balance' from the previous bdi g period in full, finance charges continue to scaus to your unpaid balance un61 the unpaid balance is paid In full. This means that you may sell owe firharre charges, even a you pay the and. New Balance Indicated on the frond of low statement by the payment due date, but rid not do so for the previous month. Unpaid finance charges are added to the applicable segment of your Account t c. Onlm FMann Charge. Fm each being period that your eccalnt b subject to a finance charge, a nentmum total FINANCE CHARGE of $0.60 will be imposed. t d. Temporary Reduction in Flrtroe Charge. We reserve the right to not seems any or all finance charges for any given being parted. 2. Avenge Deay BWnhre (ktck+ding New Porch"eel• Finance chase is calculated by muitplyklg the daily balance of each segment of your account (e.g., cash advance, purchase, apecid trervilm. and special purchase) by the corresponding daily periodic rete(s) that has been previously disclosed to you. At the and of each day during the being period, we apply the deft periodic ate for each segment of your account to to dairy balance of each segment. Then at the and of the bgfi g period, we add up the results of these dry calculations to wrive at your periodic thence charge for sach segment. We add up to results from each eegrnant to arrive of the total periodic finance change for your acmunt To gat the daily brave for each segment of your acoo nt, we take to beginning balance for each segment and add my new tranaadiona and any periodic finance charge calculated on to previous days balance for that segnmint. We than subbed any payrrwaa or dodge pasted as of that day that are alacatad m gad segment. This gives us the sepaab daily balance for each segnant of your account. However, If you paid the New Balance Mown on your previous statement In ful (or If your new balance was zero or a credit arc-rd), new tramadiais, which post to your purchase or special purchase segments are not added to the tlry beano". We calculate the average dally balance by adding al the dally boon" together and dividing the sum by to number of the days in the current biting cycle. To calculate your total finance charge, multiply your average dairy balance by the dolly periodic rate and by the number of days in the biNrp period. Due to rounding on a dally basis or due to mktkrwm chance charge assessment, theme may be a variance between this calculation and the en cunt of finance charge actually amassed. 3. Annual Percentage Rates (APR). a. The tean'Annual Percentage Rate" may appear as "APR" on the from of this state nena. b. If the code P (Ouertery Prlms), L (Quarterly LIBOR), C (Quarterly CD), or S (Bmkmrd Prime) appears on the front of this statement nett 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 indices. as kaad n The Wall Simi Journal, plus the margin previously disposed to you. These charges wil be effective on the first day of your biting period covered by you patndc statornwa ending in the months of January, April, July and October. c. If the coda 0 (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the perock rote(s), the pedodk: rats and caneepondlrg ANNUAL PERCENTAGE RATES may vary monthly and may nonsense or decrease based on the stated Indims, m found n The Will Street Joumal, plus the margin proviotwly disposed to you,. These changes will be effective on the first day of your biting period each month. 4. Assessment of Late, OvarlimN and Returned Paymrrm Feet Under the I-me of your customer agreement, we reserve the right to "No or not to seems any Peas without prior notification to you without walvgg ouraght to eases. the same or mniIwfees at s Weir time. t 5. Reneaartg War AccorarL N a membership fee appears on the front of your statement, you have 30 days from to date this statement was mailed to you to avoid paying the fee or to have such fee oredted to you it you cancel your account without having to pay the mernbership fee. To cancel your aomwn, you must notify us by calling our Customer Relation Deparfirient and pay your New Balance In full (excluding the membership fee) prior to the and of the thirty-day, period. 6. M You Cie" Your Account. You can request to dose your account by calling our Customer Relation Department. You must destroy your credit cad(s) and amount access pads, cancel all praauthonzed biting and doom using your account. Altar your request to does, t you continue to trend or do not cancel Ixeauthorlzed bNng arrangements, we will consider recalls of a page your authodaaaon to keep your account open. Additionally, your account will not be dosed untl you pay all anouns you owe us including: any treoaWOne you have suthorind, finance charge., past the rem, avenging fees, returned payment sits, cash advance firm and any odor fees assessed to your account. You are responsible for these amount. whether they eppmr on your amount at the Into you request to dose the account or they are Incurred subsequent to your request to do" the aatount. This may resut in charges eppeemg on your ecmunt .her you have requested the sod 1 to be dosed. 7. Using Yaw Account. Your card or account cannot be used in connection with any Internet gambling transactions. 8. Notice About Electronic Cheek Conversion. When you provide a check as paymera, 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 fund transfer, fund. may be wlatdrawn 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 SIR) t you think you hit Is wrong, or If you need more Information on a transaction or we, write to us on a separate sheet as soon as possible at the address for inquiries Mown 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 "Ism appeared. You can cab our Customer Relations number, but doing so will not preserve your rights. In your Inter, give us the fallowing nfarmaton: your name and account number, the dollar amount of the suspected eror, a description of the error and an explanation, l possible, of wiry you believe tore Is w error; or If you need more informeam, a description of the item you are unsure about. You do not have to pay any amount in question whet we are nvestlge6ng it, but you are still obligated to pay the pans of you bill Mal are not in question. While we Investigate your question, we canna report you as delinquent or take any action to celled 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 hied in pool faith to correct the problem with gat narchenl, you they have the right not to pay the remaining amount due on the property or services. You have this protection only when to purchase price was more then $60.00 and the purchase was made in your home sate or within 100 miles of your making address. (if we own or operate the owrchan4 or it we me0sd 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-code card accounts t Does mot apply to business non-credt cad accounts Capital One supports infomnation privacy protection: "e our webMe at wwwcaphalons. . Capitol One Is a federally registered service mark of Capital One Financial Corpoadon. Al rights reserved. O 2006 Capital One TCM Ot DM6056 - 1 - 04/10/07 Important Notks: Paymenb you mal to a all be mdited to your account as of tla buskwar day we receive g, pmvded (1) you sent the bdton portion of ft summers and your mock in the endowed remNma envelope end (2) your payment k retained in our pecssrq ceder by 3 p.m. ET (12 man FT). Please allow at Mast five (5) bwnw days for toilet denary. Peymeres oohed by a at any odwr odatCn or in my mar form may not be aedled as of tlw day as rsoeNe Gam. Our ba"ar drys are Monday through Saturday, eaduting holidays. Pone do not use slacks, paper this, etc. when preOerneW payment. 500008 CapitalOne' what's in your walletY It could happen to anyone. Make sure you pay the amount ANTHONYJ MIRA due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! I 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) ® 2006 Capital One Services, Inc. Capita! One is a federally registered service mark. All rights reserved 500008-08503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $12,289.77 - $0.00 C$304.24 1+ =$196.90 - - $12,790.91 -$7, tar - Dec. 21, 20077 Oct. 26, 2007 - Nov. 26, 2007 Page 1 of 2 PLEASE PAY AT (FAST THS AMOUNT Visa Platinum Account 4003.44258128.9439 CAA R WSW Your Account Information REWARDS TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corre nding FINANCE applied to rate AR CHARGE Purchases $12,551.34 0.07575% D 27.65% $304.24 Cash $0.00 0.07575% D 27.65% $0.00 ANNUAL PERCENTAGE RATE applied this period: 27.65% A!Ri At Your Service 1.800.9557070 To call Customer Reasons or to report a lost or stolen card: ® Send payments to: Capital One Bank P.O. Box 70884 - Charlotte, NC 28272-0885 A Send Inquiries to: Capital One P.O. Box 30285 - Salt Lake City, UT 84130-0285 pry a :. r -r, rr. nw(f I , Rewards Summary Previous available balance: 7,679 Earned this period: 119 (reflects transactions posted during this billing cycle) Forfeited this period: 109- Available Balance: 7,689 Payments, Credits 8 Adjustments Transactions 1 24 OCT LIBERTYONLINESALES 717-642-8282 PA $84.00 2 01 NOV CCBill.com 'RK Netmedia, 888.5969279 AZ $24.95 3 19 NOV PAST DUE FEE $39.00 4 24 NOV TWX'AOL SERVICE 1107 800-827-6364 NY $9.95 5 26 NOV OVERLIMIT FEE NOV 26, 2007 $39.00 Aft For more information on your Rewards: Visit: www.capltalone.com/milesrewards Cale 1-BW-228-3001 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 ® Have a question about a charge on your statement? your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a Please refer to the Billing Rights Summary on the back of possible return to your Non-Introductory APR. your statement or visit mvw.caoitalone.comldisputes. 6056 506 1 07 25 071126 PAGE 1 of 2 OIDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW,CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE tw what's in your wallet?. New Balance Minimum Payment Due. Date $12,790.91 ?-$751.00 Dec.21.2007 '?i...EASf ?SAY Al I,.i:A57 Teti; AMOUNT Amount Enclosed C . Capital One Bank P.0- Box 70664 11111irrllrrlrlrrlpill Charlotte, NC 28272-0664 If l ll 11 If llrr If llr r Iloilo lllurlnlrlnlulnll 111111 Idler ell 4003442581289439 25 0000000370000751003 Account Number: 4003-4425-8128-9439 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address @ #9033178490576044# MAIL ID NUMBER ANTHONY J MIRA 1312 BOSLER PL CARLISLE, PA 17013-4264 urlllurlllmnrllnllulnlnlrllnlululnrllnlrllnr Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. T a. Grace Period. You will haw a minimum grace period of 25 days without finance charge on new purchases, new balance transfers, new spedal purchases and new other charges it you pay your total "New Balance', in aocordance with the important Notice for payments below, and in time for it to be credited by your payment due data. There Is ne grace period on ash advances and special transfers. In addition, tare is m grace period on any transaction if you do not pay the total 'Nevv balance.' b. Accruing Finance Charge. Transactions which we not sub(ect Po e grace period are assessed fine- charge 1) ban ere data of the transaction or 2) from the date the transaction is processed! to you Amount or 31 from the first calendar day of the anent bilking period. AddMonaly, it you did net pay the "New Balance' from the previous bllkq period in full, finance oherges oofinue to accrue to you unpaid balance ufil the unpaid balance is paid in ful. This means that you may still owe Mana charges, eve N you pay the entire New Boma, indicated on the from of your etaement by the payment due data, but del not do so fa the previous month. Unpaid finance charges are added to the applicable segment of yaw Account. t c. iafnimun Ft-- Charge. Fa each higrg period that your account is sub)rct to a Mana charge, a mlmmum total FINANCE CHARGE of $0.50 wed be imposed. t d. Temporary Reduction in Flrwhea Charge. We reeve the right to not amass any or all anana charges far any given bung period. 2. Awmge Dally Bale ce (bwAm ing Hi Purchases). Finance charge is alaaated by muitgyng the day belwae of each segment of your account (e.g., ash advance, purchase, special bander, ad special purchase) by the corresponding daily periodic rate(s) that has been previously discoed to you. At the and of each day during the bling period, we apply the daily periodic rate la each segment of your account to the daily balance of each segment. Then at the end of the bung period, was add up the results of there dally Wouladms to arrive at your periodic finance charge for each segmam, We aid rap the resub from each segment to arrive at the total periodic f rumo s charge fa your account. To go the daily balance for each segment of your amount, wis take the bsgimng balance for each segment and add my new transactions and any periodic finance charge caakNed an he previous dq/s balance for that sepnerd. We than suatred any paymadc or credits pasted as of that day that are allocated to that sagmmt. This gives us the separate daily balance fa each segment of you account. However, N you paid the New Balance shown on your previous suisment in ful (a If your new, balance "a zero or a credit amount), new tea ec0ons, which poet to your purdese or spe iel purchw segments are net added to the daily bounces. We calculate ft average deity balance by adding at the daily balances together and dividing the sum by the number of the days in the c ment billing cycle. To calculate your total finance charge, multiply your average deity balance by the daily periodic to and by the number of days in the blling period. Due to rounding an a daily basis a due to mintnnm Mena large ascessmi them may be a valance between this calculation and the amount of finance c wga acutely assessed. 3. Annual Percentage Rated; (APR). a. The Iam'Anntei Percentage Rate" Trey appear as "APR' on the from of this statement. b. If the code P (Quarterly Pdme), L (Ouartery LIBOR), C (Quarterly CO), or S (Bmkmrd Prime) appears an the front of this statement next 011he periodic ram(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may Incraeme or al- based - the stored indices, - found in The Wall Stress Journal, plus the margin previously diedaeed No you. Than changes wiN be effective on the Mat day of your billing period covered by your periodic statement ending in the months of January April, July and October. a If the code 0 (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement nest to the periodic rate(s). the periodic rams and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may kweese or decrease bond on the slated Indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes w11 be . eaactw on the first day of your bgfrg period each month 4. Assessmird of Leh, OvwUmK and Returned Prymerd Fnas. Under the firms of your custonner agreement, we reserve the right to waive a not to sense any tees without priornalficatim to you without waiting ourright to assess the same or smnilarfea at a uiertime. t 5. Rehearing Your Account If a membership fee aPpeam on the front of your statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fse credited to you it you wncal your aoooum without having to pay the membership fee. To canoe! your account, you must notify us by calling our Customer Raise- Department and pay your'New Balance" In ful (excluding the membership fes) prior to the and of the thirty-day period. 6. N You Close Your Account. You win request to does your account by calling our Customer Relations Department. You must destroy your credit card(s) and so=." aoan dhecb, motel at preauthorized bANng and wan using your account After your request to dose, it you continue to transact or do not venal preauthMzed biNing arrangements, vat w1h consider mcdpl of a charge your autharizetinn to keep your ar-1: opm. Additionally, your account will not be dosed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, past due few, owdmit lees, reared payment feo, wish advance fees and any other tees manassed to your account. You are responsible far than amounts whether they appear on you amount at the rime you request to dose the account or they are Incurred subsequent to your request to dose the aawurn. This may result n durges appee ing m your amount after you he- requested are account to be dosed. T. Using Your Account Your and or account cannot be used in connection with any Informal: gambling trargedions. 8. Notice About Electronic Check Conversion. When you provide a check o payment you authafze us either to use information from your check to make a ore-time abimmic hind transfer from your bank account or to process the payment as a check transaction. When we use Information from you check to make an electronic fund transfer, funds may be witdrewn from your bank amount as soon o the same day we real- your payment. and you will not reaNe your check back from your financial Institution. BILLING RIGHTS SUMMARY (In Can of Errors or Ouesaone about Your Bill) N you think your bill is wrong, a If you need more Information on a tra micdoh or NO, write to us an a separate sheet as soon as possible at the address for inquiries ahovwh on the front of this statement. We must hear from you no lax Man 50 days after we sent yaw the first hill on which the error or problem appeared. You can all our Customer Relations number, but doing so will not preserve your rights. In your latter, give us ft following information: your name and account number, the dollar amount of the suspected error, a description of the error and an explanation, it possible, of why you bake them la an amor; or N you need more Information, a description of the item you am unsure about. You do not haw to pry any amount in question while we are Investigating H. but you are RNI obligated to pay the parts at YOLK bill that are not In question. While we Imkotlgate your question, we cannot report you as delinquent or Was any action to coned the amount you question. t, t Special Rule for Credit Card Purchases N you haw a problem with the quality of properly or services; that you purchased with a credit card and you haw tried in gad faith to correct tie problem with the nercher 1, you may have the right no to pay the remaining amount due on the property or services, You hew this protection only when he purchase price wo more than $50.00 and the purchase was nude in your home state or within 100 miles of your missing address. (!f we won a operate the merchant or it we mailed you the adwraaement far he property or services, all purchases are covered regardless of amount a location of purchase.) Please remember to sign all correspondence. t Does not apply to consumer noncredit card amounts S Does not apply to business non- offf card -4s Capital One supports information onvacy protection: me our webaite at wwaf ,fem. Capital One is a federally registered service mark of Capita One Financial Corporation. AN rights reserved. O 2006 Capital One TC-08 01 OM6056 - 1 - 04110107 Important Node: Payments you mail to a WE be cred od tp your account as of the buwrea day are receive r, provided (1) you send iM bad= potion of the staterent and you dark in the wwlos d mmatena envelope cent (2) your payment is keodved in our processing center by 3 p.m. ET (12 noon PT). Ream sow at least *a (5) buwn es days to pasta delivery. Payments waived by us at any other location or in any dhr form may not as created as of the ray we ream them, Our busseu days are Monday through Saturday, eadudkp holidays. Pkae W nd use implies, paper clips, etc. when preparing your payment. CapitalCW Kee 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $12,289.77 - $0.00 + $304.24 + $196.90 - =$12 :$75)1'00 J Dec. 21, 2007 Oct. 26, 2007 - Nov. 26, 2007 Page 2 of 2 PLEASE PAY AT LEAST THS AMOUNT Platinum Account You were assessed a past due fee because your minimum payment was not received by the due date. To avoid Visa Visa Platinum Acc this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach CANOHAWk+ Capital one. Your Account Information REWARDS TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 6056 506 1 07 25 071126 PAGE 2 of 2 OIDM6056 Capltalow* what's in your wallet?' 500015 MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our f= check by phone service or speak to an associate by calling 1.800.955.6600. F0 2006 Capital One Services, Inc. Capital Oar is a federally registered service mark. All rigbts reserved 500015.08503 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $12,790.91 - $0.00 + $291.40 + $78.00 =? $13,160.31 51 ,1415,00 Jan. 21, 2008 \\\ Nov. 27, 2007 - Dec. 26, 2007 Page 1 of 1 ..C. PLEASE FAY AT (FAST THS AMOUNT Visa Platinum Account 4003.4425.8128.9439 CAfO//Mb Your Account Information REWARDS' TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $12,938.95 0.07507% D 27.40% $291.40 Cash $0.00 0.07507% D 27.40% $0.00 ANNUAL PERCENTAGE RATE applied this period: 27.40% Al-h At Your Service 1.800-955.7070 To call customer Relations or to report a lost a stolen card: ® Send payments to: Capital One Bank P.O. Box 70884 - Charlotte, NC 28272-0884 Y-, by r t+oo , ? ro7c. Rewards Summary Previous available balance: 7,689 Earned this period: 0 (reflects transactions posted during this billing cycle) Available Balance: 7,689 Payments, Credits & Adjustments _ Transactions 1 21 DEC PAST DUE FEE $39.00 2 26 DEC OVERLIMIT FEE DEC 26, 2007 $39.00 A Send inquiries to: Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been Capital One P.O. Box 30285 - Sa8 Lake City, UT 84130-0285 increased since your account was past due twice in the past 12 billing cycles. If your rates have already For more information on your Rewards: increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive ® Visit www.capitalone.com/milesrewards your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a Call: 1.800.228-3001 possible return to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid ® Have a question about a charge on your statement? this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Please refer to the Billing Rights Summary on the back of Capital One. your statement or visit www.ca0llalone.comldlsoutes. 6056 506 1 07 25 071226 PAGE 1 of 1 OIDM6056 PLEASE RETURN PORTION BELOW WIT H PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 4003442581289439 25 0000000370001145006 C.911~ISwhat's in your wallet?. New Balance Minimum Payment Due Date $13,160.31 $1,145.00 .ran. 21, 2008 ,LIASi PAY Al LEAS; 'Tli:S AMOUNT Amount Enclosed Capital One Bank P.O. Box 70664 I1ILSIII1pill IIII$IIII Charlotte, NC 26272-0664 I11 11I61I111 611111141I1 11611 I11I1 I08I11111161 I1161 II111II Account Number: 4003-4425-8128-9439 Please print address or phone number changes below using blue or black ink. Address Home Phone Attemate Phone E-mail address @ #9036178490576041# MAIL ID NUMBER ANTHONY J MIRA 1312 BOSLER PL CARLISLE, PA 17013-4264 I L l i i n r l l l n u r r lln l[Tt 6L l rt l r 11 st 6r 6r 1111 11 11 I r II rH 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. ANTHONY 1 MIRA I . Now to Avoid a Fissnce Charge. T e. Grace Period. You will have a minanum grace period of 25 days without Hermit charge an new purchases, new balance assistant, new special purchases and new other charges N you pay yaw total *Now Babnm', in accordance with the Important Notice for payments below, and in time for It to be credited by your payment due date. There is no grace Wool on cash Wvancea and special transfers. In addition, there is no grace period on my transaction if you do not pay the total 'New balance.' b. Accruing Finance Charge. TraneaNans which are nd subject to a grace period ere assessed finance charge 1) from the dab of the parsac0on or 2) from tie dote the transaction is processed b your Account or 3) from the first calendar day of the amen billing period. Additionally, Yyou did not pay the'Ni w Balance' from the previous billing period in full, Manor charges mrdnm to secrus to your unpaid belance until she unpaid balance is paid in full. This means that you may slil owe hate charges, even M you pay the entire New Balance Indicated on the hat of your statement by the payment due date, but rid not do so for the previous month. Unpaid finance charges sm added to the applicable segment of your Account. T c. agnimua, Finance Charge. For each MBrg period that your account is subJed to a finance charge, a mWmum total FINANCE CHARGE of $0.50 will be imposed. t d. Ternp orary Reduction in Flnance Charge. We reserve the right to not sasses my a at finance charges for my giwn bung parted. 2. Avenge Deily Balance (kmluding New Porch nnsL Finance charge is calculated by "Iola ykhg the duty behar,ce of each segment of your account (e.g., cash advance, purchase, special trerefer, and special purdisse) by the corresponding dry periodic rebels) that has been previously disclosed to you. At the end of each day during the bung period, we apply the daily periodic raw for each segment of your account to the daily balance of each segment. Than at to and of this oiukg period, we add up the results of than daily calculations to arrive at your periodic flnance charge fa uch segment. We add up the results from each segmera to arrive ot the total periodic Mena charge for your account. To gin the dairy balance ter each segment of your amount, we take the beginning balance for each sagmern and add any new, transactions and any periodic finance charge calculated an Me previous days balance fur to mgm m. We bah ahead any Payments or credits posted ss of boil day that ere allocated w that segment. This gives us the separ a daily balance fur each "gime t of your account. However, If you POW the New Balance shown on your previous statement In full (a If your new balance was zero or is credit amount), new Immuctions, which poet to your purchase m special purchase segments are not added to the daly bas oss. We dalaOeta the average daily balance by adding all the dally balances together and dividing the sum by the number of the day. in the anent bikQ cycle. To calculate your tool fore sce charge, multiply your average daily bsimce by the daily periodic rate and by the number of days in to billing period. Due to rounding an a daily battle or due to minknum finance charge sssesemant there may be a variance between this calculation and the amount of finarxa charge actady assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as -APR* on the grant of this statement. b. if to code P (Quarterly Prime), L (Quarterly LIBOR), C (Quarterly CD), a S (Benkcard Prime) appears an am front of this statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may incres s s a decease based an the stated indiae, ss loued in The Wall Street Jotanal, plus the margin prinA usy distlosed to you. These dagea ail be atfedNe an the test day Myna billing perod covered by your periodc stawnent ending in the months of January, April, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or 0 (treasury LIBOR) appears on this hoot of your statement next to am periodic rate(s), the periodic roles and -bonding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the staled indices, ss found n TM Wall Street Jou", blue the margin previously disclosed to you. Than changes will be effective on the that day of your billing period each month. 4. Assessment of Late, OwNimN and Returned Payment I-. Under the comma of your arstamar agreement, vve murve the right to wail" a not to assess my fees without prtorndiffradon ad, you wlthoutwaivkg ourright to gases the same a ekmilartess ate Imntime. t S. Renewing Yaw Accow,t N a nemoershhip fea appears an be from of your statement, you have 30 days from the date this statement was melted to you to awld paying one fee or to have such rase r,.dited to you 0 you cancel your account wi0 owi having to pay the membership fee. To cancel your accownt you must notify us by caing our Customer Relations Department and pay your eNew Balace' In tug (excluding the membership fee) prior to lit and of the WryWy period. 0. N You Close Your Account. You can request to dose your account by calling our Customer Relations DepaMant. You must destroy, your credit card(s) and account access dhedgi cartel all preauthonzed btNng and mass using your account. After your request to dose, if you continues to transact a do not cancel preeuthorized billing arrangements, we will corakk r receipt of adage your authorization, to keep your account open. Additionally your account will not be closed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, past clue toss, avwlmk to", returned payment tea, rash advance toss and any other Ms amassed to your account. You are responsible fa these amounts whether they appear an your account at the time you request to dose the account a they are incurred subsequarn to your request to does the account. This may resut in charges appearing an your account after you have requested the account to be dosed. 7. Using Your Account Your card or account cannot be used in connection with any Internet gambling transactions. S. Notice About Electronic Check Converalorh. When you provide a check as payment you authaim us either to use information from your check to make a one-time electroni : fund herofer horn your bank account a to promos the payment as a check transaction. When we use Information from your check to make an electronic fund transfer, funds may be vdtharawn from your bank account as soon ss the same day we receive your payment, and you will not receive your check back from your financial institution. BILLING RIGHTS SUMMARY (in Can of Emma or Questions about Your Bit) t you think your bill Is wrong, or If you need more information on 9 transaction or bill, write to us an a separate sheet es soon as possible at the address fa inquiries shown an vie front of this stalemeM. We must hear from you no later than 60 days after war sent you this firat bill on which tot error or problem appeared, You can call our Customer Restore number, but doing so will not preserve your rights. In your otter, give us the tottering Inframaton: your name and account nurtthar, the dollar amount of the suspected error, a description of the smor and an explanation, 0 possible, of why you believe there is an error; or If you need mae information, a description of the item you sue unsure about. You do not have to pay any amount in question whit we are Investigating t, but you are still obligated to pay the parts of your bill that are not in question. While we Investigate your question, we cannot report you as delinquent or We any action to called the amount you question. $, t Special Rut for Credit Card Purchmm If you haw a problem with the quality of property or services that you purchased with a aada card and you have tried in good faith to correct tie problem with the moralist, you may haw the right not to pay the remaining amount due w the property or ssrvlrac. You have this protection only when the purchase price was more than $50.00 and the purchase was merle In your home state or within 100 miles of your mailing address, (If we avm a operate the merchant, or If war malted you the advemsament for the property a services, all purchases, are covered regardless of amount a location of purchase.) Pleass remember to sign all cortespaMenm. T Does not apply to consumer non-crest card accounts T Does not apply to business non-credit cad accounts Capitol One supports information privacy protection: see our ..We at . Capital One Is a rationally registered service mark of Capital One Financial Corporation. AN rights reserved. 0200$ Capital One TC-08 01 DM6056 - 1 - 04110/07 Important flotles: Payments you mss to us will be cmdiled b you account as of to bussmis day we re,zhe it, pmvided (1) you send low boom portion of this statement acid you deck in the enclosed mmstmm envelope and (2) you payment is received in our p,,owslist center by 3 p.m. ET (12 noon PT). Plane slow at least pm (5) business dot to postal dawwy. Payments marked by us at any star location or in any other form may not be credited as of tie day we make Hem. Our business days are Monday through Saturday, excluding h,nlWys, Pipe do not Up slapbs, paper ripe, ate, when Pepeng your paymet. Capital ow, what's in your wallet? 500010 MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. O 2006 Capital One Services, Inc. Capital One it a federally registered service mark. All rights reserved. 500010-09509 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Paymentl Due Data $13,160.31 + $297.08 + $87.95 = $13,545.341,51.OC7 J Feb. 19, 2008 Dec. 27, 2007 - Jan. 25, 2008 Page 1 of 2 PLEASE PAY AT LEAST TINS AMOUNT Visa Platinum Account 4003.4425.8128.9439 Q??ifassle Your Account Information REWARDS TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Co responding FINANCE applied to rate APR CHARGE Purchases $13,313.71 0.07438% D 27.15% $297.08 Cash $0.00 0.07438% D 27.15% $0.00 1 ANNUAL PERCENTAGE RATE applied this perlod: 27.15% \ ................._....-....... _.--....- -......_.-..._..._..--.-.........---....... -- d1th At Your Service 11. 00.955.7070 11 V To call Customer RelaBons or to report a lost or stolen card: ® Send payments to: Capital One Bank P.O. Box 70884 Charlotte, NC 28272-0883 r , car (R) Rewards Summary Previous available balance: 7,689 Earned this period: 10 (reflects transactions posted during this billing cycle) Forfeited this period: 10- Available Balance: 7,689 Payments, Credits & Adjustments 1 14 JAN TWX'AOL SERVICE 800-627-6364 NY 2 21 JAN PAST DUE FEE 3 25 JAN OVERLIMIT FEE JAN 25, 2008 $9.95 $39.00 $39A0 A Send Inquiries to: Capital One P.O. Box 30285 Sall Lake City, UT 84130-0285 AOL For more Information on your Rewards: ® Visit: www.cap talone.com/milesrewards Cale 1.800228-3001 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 Have a question about a charge on your statement? your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a Please refer to the Billing Rights Summary on the back of possible return to your Non-Introductory APR. your statement or visit www.caoitalone.comrdiSputes. 6056 506 1 07 25 080125 PAGE 1 of 2 OlDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4003442581289439 25 0000000370001551003 Qne' what's in your wallet?. New Balance Minimum Payment Due Date L$13,545.34 $1,551.00 F11 143, 2(:OH "Al'!'AST P'.1(7UY:T Amount Enclosed Capital One Bank P.O. Box 70664 1rllrlllrrrlllltllrtrl Charlotte, NC 26272-0864 III I'll, 11111 I'll 1111111 111111111#1 11 $loll Account Number: 4003-4425-8128-9439 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address @ #9002678490576040# MAIL ID NUMBER ANTHONY J "IRA 1312 BOSLER PL CARLISLE, PA 17013-4264 IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIlalt,It,111111111111111 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. ANTHONYJ MIRA 17How to Avoid a Finance Charge. t e. Grave Period. You will have a minimum pace period of 25 days without finance charge on new purchases, new balance transfers, new special purchases and new other charges If you pay your total "New BalnW, in accordance with the Important Notice for payment. below, and in time for it to be credited by you payment due date. There is no grace period on cash advances and special transfe s. In addition, there is no grace period on any transaction if you do not pay the total 'New balance.' b. Accruing Finance Charge. Transactions which ere not sub)ect to a grace period tiro assessed finance charge 1) from the data or the transaction a 2) from the date the transaction is processed to your Account or 3) from the first calendar day of the current bill period. Additionally, Myou did not pay ties -New Balance- horn the pravIOUB biting period in full, finance charges; continue to accrue to your unpaid balance until the unpaid balance is pea in full. This means that you may on era firarge charges, even M you pay the entire New Balance indicated on the from of your statement by the payment due date, but did net do so for the previous month. Unpaid finance charges are added to the applicable segment of your Account. t c Mntntpm Fkan o Chaps. Fa each billing period that your account is aub)ed to a Marco charge, a mWmum total FINANCE CHARGE of 50.50 will be Imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not ones$ any or all finance charges for any given bitting period. 2. Awrege Dagy Balenca (ncludlrg New Purchases). Finance charge is calculated by multiplying the dally balance of each segment of your account (e.g., cash advance, pumheea, aP-W teeter, and special purchase) by the mmeepaaing daily periodic Mai that has Wen previously disclosed to you. At the and of each day during the billing period, we apply the dally periodic rase for each segment of your account to tie dally balance of each segment. Than at the end of ties blkg period, we add up the rawb of than doily cala/etlons to an toe at your periodic finance Charge for each segment. VJa add tip the resulto from each segment to arrive at the bid periodic franca charge for your amount To get to daily balance for each segment of your amount, we take the begimig balance for each segment and aril arty now trarmodsons and cry pakxac Inane charge calculated on the previous days balance for that aegrnsnt. We than subtract any payments or credits posted as of tan day that are allocated to tlat sagmad. This gives us the separate daily balance ror each ssgnent of you account. However, it you paid the Now Balance shown on your previous statement in ful (or if your new balance was zero or a credit amount), new transactions, which post to your purchase or special purchase segments are net added to the dally betanees. We calculate the average day balance by adding as the daily ballandes together and dtvidirg the sum by the number of the days In the current being cycle. To calculate your total finance charge, multiply your werege daily balance by the daily periodic rata end by the number of days in Ines biting period. Due to rounding on a dally beak a due to minimum Mama charge aseesement theme may be a variance babwe t this calculation and ale amount of finance charge actually asx aced. 3. Annual Poooentage Raid (APR). a. The term 'Annual Percentage Rate' may appear as -APR' on the front of this statement b. If the code P (Quarterly Prime), L (quarterly LIBOR), C (Quarterly CD), or S (Benkcerd Prime) appears on the front of this statement next to the periodic rat(a), the periodic rate and corresponding ANNUAL PERCENTAGE RATES may wry quarterly and may increase or decrease Weed on the slated indicas, as found in The Nhll 31-1 Journal, plus the margin Previously disclosed b you. Than chimpas will be aRecWe on the fiat day of your billing period covered by your periodic statement ending in the months of January April, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears w to from of your statement next to the periodic resale), the periodic rake and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may rica ees or decrease based on the staled indices, as found in The Wall Street Journal, plum the margin previously disclosed to you. Than charges wfil be affective on the tral day of your bill period each month. 4. Asmisment of Lasa, OwrllmN end Relwrad Payment Fees. Under the terms of your customer agreement, wo reserve the right to wane or not to asse o any rose without prior notMCadon to youwithout m ng ourright to assess the semecr simtarfew at a[else ime. t 5. Renewing your Anount. If a membership In appears on the front of your statement, you how 30 days from the dab ads statement was mailed to you to aura Paying the fee or to law such tea credited to you t you canal your account will laving to pay the membership tea. To cancel your seemed, you must notify us by cal" our Customer Relation Dependant and pay your `New Balance In full (excluding the membership lies) prior to the and of the thirtpday, period. 6. N You Clow Your Account. You pin request to dose your account by calling our Customer Relations Department Ym must destroy you credo card(s) as acmud accass desda, cancel and presuthodzal billing and came using your account, After your request to case, if you continue to tmnsW or do not cancel preauthodW billing smangemena. "will consaareWpt of a carpe your authorization to keep your account open. Additionally, your account will net be dosed until you pay all amounts you owe us indudig: any transactions you have authorized, finance cherges. past due few, wedimit foss, rebored payment fees, cash advance few and any other saes assewed to your account. You tie responsible for than amounts whether tiny appear on your account a the time you request to dose the account or they are nonmed subsequent to your request to dose the account. This may result in charges appeasing on your account after you have requested gal account to be dead. 7. Using Your Account Your card or amount canna be used in connection with any Internet gambling transactions. 8. Notice About Electronic Check Convaalon. When you provide a check as payment you authorize w 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 fund transfer, funds may be wltarawn from your bank account as soon as the same day we receive your payment, and you will not receive your died( back from your Handal institution. BILLING RIGHTS SUMMARY (In Case of Errors, or Questlaxs about Your Bill) H you think your bill Is wrong, or If you need more Infamadon on a bansecton or bill, write to us on a separate sheet as soon as possible at the address for inquires shown on the front of this statement Wo must hear from you no paler than Bo days offer we sent you the first bill on which the error or prolomm appeared. You cm call our Customer Relations number, but doing so will not preserve your rights. In your letter, give us ft following information: your name and account number, the dollar amount of the suspected error, a deacrgtlon of the error and an explanation, If potable, of why you believe there Is an error; or If you need more information, a descriplicn of the item you are unsure about. You do not have to pay any amount in question while ww ere Investigating t, but you are still obligated to pay the pads of yaw bill VW am not In question. While we Investigate you question, era cannot report you as delinquent or take any action to culled the amount you question. F, t Special Rule for Credit Card Purchases If you haw a problem with the quelfty of prop" or services that you purcheasd with a dedit card and you haw tried in good faith to mired the problem with the merchant, you may have the NM not to pay this remelting annum due on the Property or services. You hew this protection only when the purchase price was more then 150.00 and the purchase wee made In your home state or within 100 miles of your mailing address. (t we own a operate the merchant or 6 we mailed you the advertisement for the property or savior, all purchases ere covered regardless of amount or location of purchase.) Please remember to sign all corresponds- t Does not apply to consumes noncredit card accounts t Does not apply to business non-credit card accounra Capital One supports information privacy protection: we our wabsite at Y?'?',f?g1?9,gyDi. Capital One is a federally registered service mark of Capita One Financial Corporation. AN rights reserved. 02006 Capital One 01 DM6056.1-04110107 Important Wks: Payments you Mile a erg be credile t to your account a of the to mess day era receive it, pmKW (1) you send to bottom portion of Ins sMtanmk and yaw dwdc in IM mckeed rembarks envelope and (1) your payment is remwd n our promising center by 3 p.m. ET (12 neon PT). Pleas slow at least five (5) telexes days for paid detiwwy. Payments remi ed by a M arty other bcation a in any other form may not be aedked a o (the day we moove tem. Our business; days are Money through Saturday, exdWng hesdays. Plow do not use slepin. paper dips, etc. when preparing your payment. CaNjtIoe 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $13,160.31 ?- $0.00 + $297.08 + $87.95 = $13,545.34 51,551.00 ) Feb. 19, 2008 Dec. 27, 2007 - Jan. 25, 2008 Page 2 of 2 PLEASE PAY AT LEAST THS AMOUNT Platinum ACCOUnt You were assessed a past due fee because your minimum payment was not received by the due date. To avoid Vise Visa Platinum Acc this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Hassle Capital One. Your Account Information REWARDS' TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 6056 506 1 07 25 080125 PAGE 2 of 2 OIDM6056 Caplfalow* I what's in your wallet? We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 500011-08503 FINANCE Previous Balance Payments & Credits CHARGE Tramction l New Balance Minim- , Due Date $13,545.34 - $10.04 + $307.09 + $48.95 = $13,891.34 $ i sfi Mar. 21, 2008 Jan. 26, 2008 - Feb. 25, 2008 Page 1 of 1 r% PLEASE PAY AT (FAST THIS AMOUNT Visa Platinum Account 4005442561264430 Q.?if?jbHasSI@ ? Your Account Information • REWARDS TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Pewdc Corresponding FINANCE applied to rate APR CHARGE Purchases $13,695.88 0.07233% D 26.40% $307.09 Cash $0.00 0.07233% D 26.40% $0.00 ANNUAL PERCENTAGE RATE applied ft period: 26AO% At Your Service 11100057070 To cal Castemer Relelions or to report a lost or slolm card ® Send payments to: Capital One Bark - P.O. Bole 70884 - Charlotte, NC 28272-0881 A Send Inquiries to: Capital One- P.O. Box 30285 - Set lake City, UT 84130-0285 For More Information on your Rewards: Prat WNW capitahne.oonvnplestow rds Cat i4)S22&U1 ® slave a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.cacit*m.com/dsputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W WW.CAPrrALONE.COM TO MARE YOUR PAYMENT ONLINE. s VIw- what's in your wallett- TAKE CONTROL OF YOUR CAPITAL ONE" 500011 ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. 0 4003442581289439 25 0000000370001967001 New Balance Minimum Payment Due Date $13,891.34 $1,967.00 hsl?tr 2'1, 20?F:> Amount Enclosed Capital One Bank P.O. Box 70664 loll IIIIIloll 111111111 Charlotte, NC 26272-0664 LJ1111111oLIIrlrlrr1111L1dr1LL1L1L1111J11Ld11r111 Rewards Summ Previous available balance 7,689 Earned this period: 0 (refracts transectiaK posted dutrg Cis bang Mla) Available Balance: 7,689 Payments, Credits & Adjustments 1 14 JAN PURCHASE ADJUSTMENT $9.9& 2 14 JAN FINANCE CHARGE ADJUSTMENT $0.09- Transactions 3 14 FEB TWX'AOL SERVICE 805W7,M NY $9.95 4 19 FEB PAST DUE FEE $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive you minioun monthy, payment on time for 12 consecutive btlfng cycles, this account will be reviewed for a possible return to you Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Account Number. 4003-4425-8128-9439 Please print address or phone number ctw aloes below using blue or black ink. Home Fboire Aftemaae Krone £-merraddtess o #9005778490576045# MAIL ID NUMBER ANTHONY J MIRA 1312 BOSLER PL CARLISLE, PA 17013-4264 oil 116n116nnt16r1111111111111111 1u616n11111111111 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. ANTHONY J MIRA 001 25 1. How to Avoid a Finesse Charge. your av t a Gram Period You will have a minimum grace period of by the r 25 days wthout tisane charge on new purchases, new rouhdn balance tamren, new spaced purchases and new other WON" charges If you pay your total "New Saisnos". In ohage accontan with the Important Notes for paymams below. 3, Annual and In limo for it to be credited by your not statement a The t closing data. Thera Is no grace period on cash advances and spaced tremks. In addition, there Is no gram period b, If the on my transaction If you do not pay the total "News (Qua balance." front b. Accruing Finance Charge. Transactions which are not perlo, subject to a gram period are assessed finance charge 1) p from the data of the transaction or 2) awn the date the Ions transaction is processed to your Account or 3) from the fourk Mal miender day of the current bung period. Additionally, pr-11 ti you did not pay the "New Balance" from Pre provbw emee Whig period In U. Maim charges continue to accrue to b! Yc your unpad balance until the unpaid balance Is paid in Janu full. This means that you may sell owe finance charges, c. it the even If you pay the antics New Balance Indicated on the m front of youraatmwM by the mad statement closing date, b state but did not do so forth previous month. LWOW Mane and c Charges are added to the applicable segment of your mhay Account. t c. kNrrum F'lnerde Charge. Foreooh billing period gat r scoot" is orb to a Man charge, a minimum foal FlNANCE C GE of $0.50 will be Imposed. H the total finance charge mullkq from the application of your periodic rack(s) Is Was Men 50.50, was will subtract that amount from the $0.60 minimum and the difference will be billed to the purchase segment of youramount t d. Temporary Reduction In Fiance Charge.We reserve the right to not assess any or all Mane chafgw for any glean legging period. 2. Average Day Balance Qndudag New Purchases). Finance charge Is calculated by multiplying the daily baler of each segment of your account (e.g., cash advance, pUMhaW special the oampoMeg transfer. daily periodic ate($) trot has bow by pevously disclosed to you. At the and of each day during Vas bNling ponied. we aptly tM dairy pe ate for each segmm of scomid the the your of the bill" p dairy edodbalance , addof each athesa sad scar to M*" at egment. We add up tM hula s ic on flown sseg ent to aelve at the toed periodic Inane charge loryour amount To get the duty bean for each aepiwt of your amoad, we take the bpnnsg balance for each segment an Wd any new transactions and any perodc finer charge calculated on Ma previous Gys ban t«Mat aegmeM. We than subtract any payrrams orcmdha pasted so of that day that sa all, ,d to that segment. This ghmeus the sePaMs My MWirhee tar each seDmM d yew amcriM. Hawven H you paid the New Balan sheen on your previous statement In full (or If your new baler was zero or a clads amoutJ new transactions, which poet to you purchase or spedU pwDhW Ngmaha are hd added to the day burns. We calculate the average daily balance by adding all the day balances together and dWMft the sum by Une number of to total flr rW n In the current charge, multiply cycle. To calculate illy baler by the day periodic rate and t days In the Whig period. Due to elite on and the amount of finance a"w"ed. aga Rates (APR). nu al PwaMpe Rate" may appear as front of this statement Cuarary ?, L (Qwnxy UBO% C )). or S (Bas P me) appmrs on" aemlent ned to the periodic rebels), the and cortwpondrg ANNUAL IE RATES may vary quarterly and may eerew based on ins sated indices. as Nell Steel Joumal, plus the margin closed to you. Thee changes will be he Ms,t day of your billing period covered iic statement snag In the MWh s of I, Jug and October. (kbnthhy Prue), F (Monthly LIBOR), or G on tie stated indices, as found In The Was Street Journal, pica the margin pevousiy disclosed to you. The" chan0as will be efrecWe on the first day of your billing parted each month. 4. Assessment of Late. OvarMM and Returned Payment Few. Youraoow* wh be assessed no more than throe of the fees bad here that o0ow during any Whrg period. Under it* terms of your customer agmemoK we reserve tns right to waive or not to assess arty taw without prior notification, to you without warring our right to assets, the same or similar few at a law time. t S. RenewYp Yew Account. If a membership foe appears on the rook or your statement, you have 30 from the data this statement was malled b you to aV paying the fee orb have such fee credited to you 5you cancel yyour account without having to pay the membership fee. To cancel your amount you must notify us by calling our Customer RelaWns Department and pay your "Naw Balance' In full (excMdirg the membership fm) prior to the end old* thirty-day period. 6. If You Close Your Account. You can request to close yaw acmunt by alfi g our Customer Relations; Dpann o . You naet destroy your credit cam(s) and amouk access checks, cancel all pmauhodM billing an cease using youraooowa. Amer your request to dose, 9 you continue to transact or do not cancel prwumolied Wang arrargwmMS, we will consider moW of a large your authorlutlon to keep your amount open. Additionally, your account will not be closed unlit you pay as amounts you owe us Including'. any transactions you have authorized, finance Barges, past due toes, overlimit taw. ralumad payment few. cash advance to" and any other few assessed to your account. You are responsible for them amounts whether Very appear on yoweocount at the are you request to dose its account orthy are Incurred subsequent to your request to dose the account This may laws In charges appearing on your account alter you have requested the account to be closed. 7. Usap Your Amount Your card or account cannot be used In connection with any Internet gambing transactions. S. Nodoe About Elect rink Check Conversion When you provide a clack as payment. you authorize us either to use Information from your deck to make a onetns eadrak: NM transfer from your bank account or to proses the payment as a check transaction. When we use Information from your check to make an electronic fund transfer, funds may be w drawn from your bank account as soon as the same day we reoetve your payment, and you will not receive yewcnsctk back from your financial Institution. BILLING RIGHTS SUMMARY On Case of Ermm or Duesdons about Your Bag If yyes titrk your big Is wrong. or 0 you need more Information on a hansa0t on or big, write to to on a separate ensst as Boon as Possible at the address for nqukbs shown on the front of this ataament. We must hear from you no later then 60 days after we sent you the first Wti on which its error or problem appeared. You an all our Customer Relations number, but doing so will not preserve your rights. In your Witter, gWo us tns following IMOmetion: your name and account number, the dollar amount of the suspected error, a description of the senor and an explanation, it possible, of why you believe th o Is an orw or If you need more kHOrtretlon, a description of the Item you are unsure about. You do not have to pay any amount in question wWle we ale kwestgating It. but you are still obligated to pay the parts of your big that are not In question. While we bwesdgaa your quee on, we aced report you as delinquent or eke any action to collect the amount you ties t. t Special Rule for Credit Card ubhesee a you have a problem with tie gwely of property or swim that you purohased with a credit card and you have tried In good faith to coned the problem with the merchant. you may have the right not to pay to remaining amount due on the property or services. You have this promotion only when the purchase price was more than $50.00 and the purchase was made In your hems state or within 100 new of yaw melting address. (If we own or operate the merchant or If we matted you ins adverdsemsk forth property or services, all purchases are covered regardless of amount or location of purchase.) Please rar emberto sign as correspondence. t Does not apply to consumer non-credo card accounts t Dow rid apply to business non-0adit cord accounts Capital One supports Information privacy protection, sea our webase at y .kg01 Capal One Is a federally registered service mark of Capital One Financial Corporation. All rights reserved. 02005 Capital One 01DMB056-1.WIM7 bporlatNoaca PymmbyamlbwMbsaod dbya owntroftwkd wdy-mwkekprwidd(1)ywwWft boom pwfm dthsbMllataleyOrdeckhMadored rarYtlawe aeaops R)Yes prymatlereoawdherr paawerg oerhr b)Jpm ET (12mm Pf). Plwreabaat reset Hels)Duihaw dyefa poe/dhdvay. PermrrrereorNN bfwatwg9IwIawtlman ay oMr form my not be ceded w of ea dsywe reorM tw. 0urbaiueedeys ore Mader hough Sessdy, medrMhd hddrda Pkm4o not use *UFlm p m dpa eta. dam pipmN yw {shwa sooolz -;X CWW who's in your wallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Q 2008 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minis- irn PayT w--,d Due Date $13,891.34 - $10.04 + $288.65 + $39.00 = $14,208.95 Apr. 19, 2008 Feb. 26, 2008 - Mar. 25, 2008 Page 1 cif 1 Visa Platinum Account 40034426412MM (Z?INofAlasde Your Account Information REWARDS TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charles (Please see reverse for important information) Balance rate Periods Corresponcling FINANCE VOW to rate APR CHARGE Purchases $14,026.79 0.07096% D 25.90% $288.65 Cash $0.00 0.07096% D 25.90% $0.00 ANNUAL PERCENTAGE RATE applied thla period: 25A% Al-h At Your Sw4ke 14004W7070 Toad 0slorner Relations or to report a lost or stolen cad Sand pa"Ide to: Capital One Bk(USA),NA • P.O. B. 70884 • Che loll., NC 28272.0884 A Send Inquiries to: Capital One- P.O. Box 30285 • Sol Lake City, UT 84130-0285 ® For More Information on your Rewards: 14th wwwoopitalme.comhnilaewads Cat 1.800.2283001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.cadtalone.oomldsoutea KLASE PAY AT (FAST THIS AMOUNT Rewards Summary Previous available balance: 7,669 Earned this period: to- (refbotstramectiawposted doing toleb*V cycle) Available Balance: 7,679 Payments, Credits & Adjustments 1 14 FEB PURCHASE ADJUSTMENT $9.95- 2 14 FEB FINANCE CHARGE ADJUSTMENT $0.09- Transa0ons 3 21 MAR PAST DUE FEE $39.00 Under tams previousy disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past dye twice in the past 12 tiling cycles. If your rates have already ncreased, subsequent delinquencies extended the duration of the increased rates. Remember: If we recerse your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possble return to your Non-Introductory APR. Your account has gone over its credit limit. To avoid addl anal overlimi fees, please pay enough to bring your balance below your credit limit immediately, and make sure you remain below your credit limit. Please be sure to account for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was riot received by the due hate. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WTTH PAYMENT OR LOG ON TO W WW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. IDW I what's in your wallet)' 0 4003442581289439 25 0000000370002393003 New Balance Minimum Payment Due Gate $14,208.95 $2,393.00 )°???. t?;'; ?t7L3£4 Amount Enclosed Capital One Bk(USA),NA P.O • Box 70664 1111111111111111111111 Charlotte, NC 26272-0684 III 111111 11111 1111111111 1111111111 111111111111111 1111111111111 Account Number. 4003-4425-8128-9439 Please print address or phone number changes below using due or black ink. Home Phone Mtemare Phone E-mm7add2ss Q #9008678490576044# NAIL ID NUMBER ANTHONY J RIRA 1312 BOSLER PL CARLISLE, PA 17013-4264 1111111111I111111111111111111111111111I III11111111111111111 Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. ANTHONY J MIRA i 001 2s 1. How to Avoid a Finance Charge. youraverege t a. Grace Period You we have a minimum grace peiod of W the Mrf%b4 28 days without glans charge on new purchase, new rrwndirp on i balance traraNrs, new special pumaaees and new other between this the w A You pay yourioal'New Balance. in gybe aqua'.. accordance With the Important Nodes for payments below.. 3 Annwl Peres and In lima for it to be dodrod by yaw mat statarnem a. The arm closing daft. There Is no gram period on cash advances "APR" on b and spacial transfers. In addition, them Is no grew period b. If the code on any tmmactlon If you do not pay the total 'Now bdarft* M:r" i ? doh Accruing Finance Charge. Transactions which are not 0. R Su Oct to a gram period are as"Mod finance darge 1) CENT PE from the daft d the transaction or 2) from the dab the Increase a transaction Is processed to your Account or 3) from the found in Tt flit calendar day of the currant billing period. Additionally. previously M you did not pay to "Now Balance" from to WwAm eleo*$ d bill g period In AYI, flmnce capes continue to amines to by Your Pe your uhpold balance will the Unpaid balance Is paid in Janwry, A Nti. This means that you may aN owe amines charges. o. It the code even If you pay the sngre New Balance indicated on the ? i from of your sUdarnem by the rand elsamant dosing dace. but did not do so for the Previous month. Unpaid finance and tunas chow are added to the aPplkabie o"me t Of Your me var1yy r Accoura. on the sou t c. Minimum FYanOa Charge. For each billing Period that Journal, d youraooount is subject to a finance change, a minimum The" der total FINANCE CHARGE d $0.80 will be Imposed. If the billing part tool tt er" chaps noulthr Mom the application of your 4. AnoWrrn i periodic rate(s) b less than 50, we will subtract Mat FeaaYOUr a< amount prom the $0.80 minimum and the dlllarence will be the teas Ntec bided to the a" Your UrKWthOtOn t d. Temporery Raducgon in Fafanm Chsoge.We msave de rata to We ne right to not assets any or all finer" charges for any ratification to Qhmn boD ? sane sIne aly B aence (hhdlmdi ng New Purdk"w} 2. Average t5 Beeman' a Flmirhoe charge is calculated by rtuPoptyag the deny balance on the Mora to of each segment of Your 8c00a11 (erg., caste a trairader OW s) date this stw f s , ) that tin been previously ow"pporkNng da* periodic rab( account WI&K disclosed ro You. At the and d each day dung the billing "noel your a period we apply the daily parodic role for each segment or Customer Re your account to the dairy bean" of each segment Than at Balance' In f. the end ofthe bgung prod, we add up the results of those and doe do dairy cakUk*M to ar vo et your Paodk finance charge tor 8. r you Cbse each segment We add up the resu s from each segment to your accourt above at to low periodic tettthoa charge loryour account. Dapanmama.' To gat to daily balance for each seprenn of yoursocdad account aoos we take the beginning balance kr_eadh_segmaM and add and "ass us Mont This owes us tit egmant of your account. wince shown on your err new balance was zero d is, which post to your gnsnb am not added to the aWrage%=- s by 'Itherand tit Sall a~ billing cycle. To le, mulipty Ay balance by tie dally periodic rate and 7. Using Your Account Your card or account cannot be used In mq period. Cut to f days in tt connection with any Internet gambling transactions. ham re ply Dose, d may be a 611ght Verlarlca dllaton and tie amount Of f(none& 8. ?y ?N k: Check Conv~ seemed. When YOU Provide a chock as payment. YOU Authorize w eatarto lit Information from your check to make a onetime bills Ratea (% " ebcronk fund trarhexmxn your bank amount or to process may appear as heal Perwntpe Rea the payment as a chock transaction. When we use front or his saamant. ;Glrnanly PMe), L (panady UBOR), C Information from you check to make an electronic furs funds may be withdrawn from your bank account as transfer ')• or S (Bankcard Pros) appears on lie . soon w the sans day we nowti your payment and you will at~ not to the periods: rate(s), the not recasts your clock book from your financial Institution. and corresponded ANNUAL BILUNG RIGHTS SUMMARY I- RATES may very quarterly as may on Caw of Errors or Ousstions about Your Bill) taw" based on the stated impose, as If you think your bill Is vrOnp, or it you need more Information on Nap Street Journal. plus the rterrppIn a tremadtidl or bill. write to us on a sapands sh"t"soon as &lo"d to you Thee changes vdg be possible at the address for Inqures shown on the Mont of this e fast day d your bIll Parbd Caread saartsM. We must hear from you no labrthan AD days after tIC statement ending in the rtonths of we sent you the host big on which the emx or Problem appeared. 1. July and October. (MDMhy PrWM). F Monthly UBO% or G You can call our Customer Retatlomi number. but doing so will not preserve Your rights. In your lager. give us the following OR) appears on tit front o (your kdornatkn: Your home and account number. lit doNramount d to the periodic mte(s), the periodic reds ndag ANNUAL PERCENTAGE RATES of the ampaced error, a description or the error and an explanation If Malble• Of why you balbve there is an arc; or If mthly and may Increase or decrease based Indices, as found In The Wall Street you now nnre eriomhetron• a description of tho item You are umUm about. You do not have to Pay any amount In question the margin prwbusy dbobaed to you. wale we are Nhvwtoateg A. W You era stun Obligated o peal the MedNe on the Mont day of your nit as parts or your bill that are not in question. While we investigate s o w, Over" and Returned Payment Your question. we canna repot You as drInquent or tae any action to cried the amxaa ou question. unt will be ase"eW no more than three of k t Special Rub forCredit Card Purchases wit that ocdrdutg any billing period. _ qua it you e m a ? e d dyout customer aagrownwk *0 rve ve Mled good O can d and Y I whin a WOWwe g nat you nun any to" fees o h or not to prior faith to correct tie Problem with the merchant. You may have the assess the e our rink to without waving rg 'a right not to pay the remaining amount an on the Property or at a later um ws . a cervices. You have this promatkn only when the purchase price ount. a a membership 1w aPPa915 ur Account. was more than 550.00 and the purchase was nods In your account will not bo dosed Iron owe us included ary tarwc c ftd. Mace charges. Par dk mad payment lose. open acivan: assessed to your account You requested tine home stem or within 100 nabs d yOw aalli g addr"& Of we operate the mordhant. or V we moped you the own or mn"I your for m p fee. To ount or location of Purchase.) PI"" a mega M Who our to son all correspondence. mmemb "Now e ) Prior o the t Does hot apply to consumer ron-mfr card aeooUnts t to dose t Dow not apply to business wncmdlt card accounts N(s) and Capital One supports information privacy protection: see our zed billing w,9641ts at Y5h5Y.Q&Dga10AB.f? uwt to co", 10 ?? Capital Ow Is a federally M91OWW service mark of Capital One d ? nshdal Corporation. All rights reserved. 02008 Capitol Om Fl all amounts eve Net" to", rd any other omole for account at the are Incurred at. This may after you have TC-06 I 01DM(IM -1 -04110/0 YsparerllNrhloa P?hmbYau rri btm ni besadadbyar rmuardaa bwewr dy ere rseelnlt prwlaed(11 Yc+emdsw bdWn Wilon dte "Mat and you dadkln M endord W&ffx eNdd" as (2) pea pepatlarecd+r a err' prorwlhpta W byllpm.ET(t2mal Pf) ReredbarleMM(5)hhiler deye4paerl drhvy. Peyr"aenscsMdbyrdsry oahr ktaamvIn any dartmn myndb «Wbd r dttedy ws wtaste gam. W burglar days a MaatY TMaupA Ssardy, eKdudrg hpdgs flowado m1 ua hhtrlbr. Pala dp• etc atlr aTeag Yar WNaat NOT PAYING YOUR DEBT 500013 hwDOESN'T MAKE IT GO AWAY. what's in your wallet? In fad, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due date to eliminate the risk of being charged off. 0 200 Capital One Semites, Inc. Capital Ora is a federally reg tiered service mark. All rights reserved. Visa Platinum Account 40034425.812"M Your Account Information -,!11?!/ SI@ REWARDS TOTAL CREDIT LINE $12,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $14,365.59 0.06890% D 25.15% $306.83 Cash $0.00 0.06890% D 25.15% $0.00 ANNUAL PERCENTAGE RATE applied this parlod: 25.15% At Your Service 1400-01 Tocall O RayonsoIo report abat or Most cad ® Sand payrneMs to: Credit One Bk(USA),NA • P.O. B. 70884 • Cherbne, NO 28272-0881 A Send inquiries to: COW Ona• P. 0. Bros 30285 • Sat Lake Oily, UT 841300285 Alft For More IMomratim on your Rewards: Viet veaw cepitabne.oondrriberewards Cat 14W22&3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.crnjtaIone.camhtsoutes "Important Notice" Under the terms we prevbusy disclosed to you, your accent is now eligible fa an increase in Annual Percentage Rates (APRs) effective imme&tey. However, Capital One has elected not to raise your APRs at this time. Please be, advised that 9 you fall to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summary Previous avalable balance: 7,679 Earned this period: 0 (relbcta taLsectiots posted during tis bifng oycb) Available Balance: 7,679 Payments, Credits & Adjustments Transactions 1 19 APR PAST DUE FEE $39.00 Your account has gone over its credit limit. To avoid additional overtlmit fees, please pay enough to bring your balance below your aedl limit immediately, and make sure you remain below your credit limit. Please be sure to account for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Due Date $14,208.95 - $0.00 + $306.83 + $39.00 = $14,554.78 ? May. 20, 2008 Mar. 26, 2008 - Apr. 25, 2008 Page 1 of 1 PLEASE PAY AT LEAST THIS AMOUNT ??,,a?.,?/?,?? 0 4003442581289439 25 0000000370002829007 CW?••i°ow what's in your wallet?' Account Number. 40034425-8128-9439 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or Wade ink. $14,554.78 $2,829.00 SE?f?GE; Addzsr Nome Phone A/temate Phone bmai/address Q Amount Enclosed ii9011778490576047# MAIL ID NUMBER ANTHONY J II IRA 1312 60SLER PL Capital One Bk(USA),NA Irlrrlrrrllrlrrlrrrlll CARLISLE, PA 17013-4264 Charlotte,PIC42a272-0ab4 llllllllllll11Pill llhllllllllhllllhlllllllhlllhlllHIP III Inlrllnlnrlrllnrlnlrlllnrlnlrlnlulnllnlnlnllnrll Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. ANTHONY J MIRA a 001 25 1. How to Avoid a Finance Charge. 2 days period of t a. 2 Period You without Ante o will acharge on wv purchases, c new balance transfers, new ape" purchases and new other changes If you pay yam total New BaNoW, In accordance with the Important Notice for payments below, and In time for it to be credited by your next slams ant closing date. There is no Woos period on ash advances and special transient. In addition, there Is no grace period on any traroacaon If you do not pay fie total'New banana." b. Accruing Finance Change. Transactions which are not subject to a grace period are assessed finance change 1) from the data of the tranewdon or 2) from the data the transaction is processed to your Account or 3) from the fist calendar day of the current bitting period. Additionally, If you did net pay the New Banana" from the Previous billing period in NN, finance changes continue to sccnr to your unpold balance until the unpaid balance Is geld In fun. This nl"n tat you may stirs aura Mince changes even If you pay the Ones New Banos Indicated an the from of your satemam by the next atala"m dosing date, but did not do so forth previous month. Unpaid finance charges core added to the applicable segment or your Account. t a kWnum Finance Charge. For each bNNng period that account Wan FINANCE CuuMGE to a two d hage. a minimum the Imposed. $0.50 will be If total finance charge resulting from the application of your periodic Ms(s) Is lees than $0.50, ova will subtract that amount from tin $0.60 minimum and the difference will be billed to the purchase segment of your account. t d. Temporary Reduction In Finance Chage.We reserve the right to not ame" any or all finance changes for any given billing period. 2. Average Daly Balance QrLdudng New Pureka"s} Finance large Is actuated by mtatipyhg the deny leans of each segment of your s occunt (e.g., ash advance, purchase. special transfer MW is MWi) that has been by previously ptvi viousy disclosed to you. At the ant of each day during the bill" period, we apply the dally periodic rate for each segment of your account to the daily balance of each segment. Then at the end of the been Darted. we add uD the results of these your average dairy baance by the daily periodic rate and by rndpq ?daly basis, asis the billing them may be a i slight variance ou between his calculation and the amount of finance large actually seemed. 3. Annual Percentage Rates (APR} L The tens "Annual Percentage Rate" may appear as "APR" on the front of this statenent. b. tithe code P ( Pntn). L (Quarterly LIBOR), C (O lartrly CD), or S and Prime) appears on the from of this statement need to the periodic rate(s), the periodic rates and cortaeponding ANNUAL PERCENTAGE RATES may vary q ar "y and may kroea" or douse" based on the stated (Moss, as found in The Wait Sbsat Journal. oar the march c. If the code D W Miry Prue), F (Monthly LIBOR), or G (Treasury LISOR) appears on the front of your aat"rent rod to the periodic rate(s), the periodic rates and CortesDOMng ANNUAL PERCENTAGE RATES may vary ndnbry and may Increase or deorwas based on the stated Indices "foul in The Wag Street Journal. plus the margin peviously disclosed so yW. These ohe will be alrscwe on the first day o (your biting {farlod sech north. 4. Assessment or late. Over" and Returned Paym tt Fees. Your account will be assessed no mom than three or th fees Rated ham that occur during any biting period. Under do ern dyour customer agreement we memo the right to waive or not to else" any fees without prior notification to you without wayhg our right to assm the "me or stntw fen at a Lateran. t 5. Renaming Your Account. If a mer basMp fee appeae on the front of your statement you have 30 days fiom th data the statement was m celled to you to avoid paying the fee or to have such f" credited to you tyou ardor yax account without having to pay the membership fee To anon yotlraocount, yW mat natty usby cMw Wr 7. Using Your AAocounL Your card oraccount cannot be used In S. Notice Abotit Electronic ChecC ?Wnb transaction. Conversion When you provide a check as payment, you authorize Lis ealarto use Information from yourdhack to male a onatin e electronic NM trareferfrom your bank account or to process the payment as a deck transaction. When we Ire information from your check to make an electronic fund transfer, funds may be wkhdmm from you bank account as soon as the ere day we receive your paynent. and you will not cosec rdadk back from yourfluncisl Institution. BILLING RIGHTS yWSUMMARY gn Case of Emxs or Qusetlon about Your BUD you think your bill le wrong. or If you need mots Information on a transaction or bill, write to us on a separate sheet as soon as poeelble at tin oddreea for Inquires shown on tin front of this statement. We mat hear from you no, later then 60 days after we sent you the first big on which the error or pnoble n appeared. You an ail our Customer Relations numb", but doing so will not preserve your rights. In your later, give us the following Information: your nun and account number, the dollar amount of it* suspected error, a description of the anor and an explanation, t possible. of why you beliavo there Is an error; or y you need mars Information, a description or the Item you are "" about. You do not her to pay any amount In question while we are Investigating it. ban you ate stik obligated to pay the pans o (your bill that are not In question. While we Investigate adbn to n collect if* amount you Wastionn, crake any t. t Special Rule for Credit Card Purchases it you have a problem with the Quality or property or servkas that to YOU oq tad the with a credit and and you have tried in good problem with he nerchand, you may have the right not to pay the remaining annum der on the property or servlas. You have this protedbn only when tin purchase price was mare than SMOD and the purchase was made In your home atate or within 100 ales of your maNkg address, or we own or operate the merchant, or 9 we melted you the advert dement forks Property or servkae, all purchases are covered regardless of amount or location of Purdwee.) Pee" erremberto sign eta correspondaoe. eeMrryake %a beginning balance pfo1r ioedacCh segment and add 11MMAC1101111 and caduWed prevdw day's bslaroetar1Mtsegmerd. We then subbed arty Payments orcredits Posed ea d #W day that are allocated to that segment This gives us the separate daily beans for each segment of your account. However, it you paid the New BWnce show on yea previous slat~ M Nit (or If your new Warms was zero" a 000 araurrp raw transaction. which Pat to your purchase or purchase sagirnerse am riot added to I* daily 6elistr . Wetca t e av"age ddaNy balance by adding alitin deity bananas togedwanddhe ng the sum by the minter of ih days In the amM bNkg cycle. To actuate yourtotal Nana charge, muhipy prior to he t Does not appy to corournr non-credit card accounts S. If You Oboe Your Account. You an request to dose you account by calling our Cuaterw Retail" Departrnnt. You must destroy Your aredlit card(s), and ty W COldktr to tranaot or do not cancel pnatahorized bi lMg anarhgertants, we will conga ecalpt or a large your authodzelbn to keep your account open. Additionally. your account will not be okaed until you pay all amounts you owm us Nndudtra any transaction you have authorized. Mane chrpea. Pact due fees. overilmit fees, returned payment fs", ash advance fa" and arrtyry oasr fees assessed to your account You ate reaporoi%for the" amounts whether they appear on your account at the tin you request to Close the account or ley are hoarmd subsequent to your request to dose the acoounL This may result In charges appearing on your account ~you have requested the account to be oloW. t Ober not apply to business noncmdit card accounts capital On supports information privacy Protection: s" our webske at wwwapkaione.po 1 Capital On It a fed"ally registered service mark o(Capka One Financial Cuporalbn All rights reserved, 02006 Capital Ora TC-06 01 DM6056 -1 -04!10107 ImparadllakK Pyetulsycu man bent boasted byar am" a din Wanes dy"aoske k prom" (p you tend he bdam prkn d W eglaeat rd yore k>btluh M enload.-ft ewm kpe rd(2) yeapwm lsmwmdh aapomm v corer by3pr.Er(12nxn Pf} PN dosatMo ve(5)hnky dopforpwWd*my.PepwbrwakedtywramclaI , "" ah any stir farm may net beaad0ed as of to dry weeo lk than. 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