Loading...
HomeMy WebLinkAbout09-2756IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff No: bQ - eZ?s? L ?;JLJ'? lU? 1. VS. COMPLAINT IN CIVIL ACTION JUSTIN G WEARY Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07117624 C N Pit CFR IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff VS. Civil Action No JUSTIN G WEARY Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK (USA),NA is a corporation with offices at 15000 CAPITAL ONE DRIVE RICHMOND , VA 23238 . 2. Defendant is adult individual(s) residing at the address listed below: JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS, PA 17065 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX7232 . 4. Defendant made use of said credit card and has a current balance due of $5821.93 , as of March 19, 2009 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 19.9001 per annum on the unpaid balance from March 19, 2009 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant , JUSTIN G WEARY , INDIVIDUALLY , in the amount of $5821.93 with continuing interest thereon at the rate of 19.900% per annum from March 19, 2009 plus costs. James C. ro ,42524 WELTMAN INBERG & REIS CO., L.P.A. 436 Se en h Avenue, Suite 1400 Pitts r PA 15219 (412) 4 4-7955 FAX: 4 2-338-7130 071 7 24 C N Pit CFR This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. EXHIBIT Acoolmstnnmary Previous Bahuxe Paymoents, Credits and Adjtutmems $3,858 62 $115.00 TOGS 110 00 Finance Charges . $36.06 Ncw Balance $3,789.68 Mmunum Amount Due $113.00 Payment Due Date April 19, 2006 Tow Cmlu Line $4 000 Total Available credit , x00 Credit Line for Cash $4 000 Available Credit for Cash , $.00 Atymtse kr- To al OWromer Rckww w w npwt a lest of vtolm aid: 1-800-955-7070 Aa smd'>xl„°e: toe A torc Keeymmts mvne Pmoe?o1 caul Om Bsn1 P.O. Boa79(,216 One SL L-Im, MO 631740216 P. SI.C, UT 84]30-0235 lmpo rlt AOWUIIt hfOtmation Please review the endosed privacy information and main it with your -count records. Also visit www.cap'rtalone com/aeditm& and click on the Visit the Guide to Benefits link to learn about your latest Visa. or Mm-CamL amount benefits The docripoons in this online guide replace any information you received in the past For a Copy of the Garde to Benefits, call the Customs m number on the back ofyoz card. PLATINUM VISA ACCOUNT FEB 20 - MAR 19, 2006 4862-36263071-7232 Page i of 1 Pa[Y- s, Credits andAdiustmenta 1 18 MAR CaP 1 EktrottkMnePmt AuthDate 17-MAR $115.00- li,nmoactiom 2 18 MAR PAY-By-PHONE FEE $10.00 As a valued Capital One watoma we want you to know than yvur account number has changed. After aarvate your new card, you will need to give your new account mmilm to these men-hams with whom you hate set up automatic billing. This will ensure that the payments you bare arranged will confinue to be billed C*W to your Capital One cad, -mg you time and money on Postage. Once again, dunk you for dwo®ng F-m- Chatgos Plaarerarecrs eji*i6rnnporton tsfl?rma6011s Jd&WAIali apfluJb Arm& rafr *r ROSE 13$4168 Q1'1 Ap 1215% sum SPECIAL TRANSFERS W8.00 82 .033299%P 112 105% $m . t1.I3 ANNUAL PERCENTAGE RATE applied this eriod p 12.1596 ? PLEASE RETURN PORTION BELOW WITH PAYMENT Cqw 0000000 0 4862362630717232 19 3789680115000113006 New Balance- $3 789 66 Mrmmam Amount Due $113.00 Payment Due Date April 19, 2006 Total eadosed $ Amount Numbs: 4862-3626-3071-7232 Capital One Bank P.O. Box 790216 Illsatssallllasrlalaal St. Louis, MO 63179-0216 LILnJIwdILulla6d6tus6lnslldlaartrl6llBill 6l 17624 PAwevviroyV%ffauMdfftaaderonyosrr, m o ? seroet Ape t Qty Saes 21P Home Plume Ahamue Plane EmaAddte,t #9007835852124166# MAIL ID NUMBER JUSTIN G WEARY PO BOX 96 MOUNT HOLLY SPRINGS PA 17065-0096 lastlllssslllattrllarslslsllarrllsasltlsullralslassllatrtslll yabreto C#dd Ow Bank and stair iq Nit cruised em ero(x r PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JUSTIN G WEARY Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Compl ' Civil Action are true and correct to the best of 's/her knowledge, information and belief. Dated: i2 Edward Piotrowski A049 WELTMAN, WEINBERG & REIS CO., L.P.A. Q :" nF Tyr ? ,, Y a, e? 39zs%6 CAPITAL ONE BANK (USA), NA Plaintiff V. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA : No. 09 - 2756 - Civil Term JUSTIN G.WEARY : CIVIL ACTION - LAW Defendant Please enter my appearance for the Defendant in the above. Date: 1 Geoffrey M.Biringer 401 E.Louther Street Carlisle,PA 17013 (717)243-9400 Supreme Court ID#18040 RED-OFFICE OF 7 PROTHONOTARY 2009 MAY -6 PM 2: 51 PBNNSYW,NNIA CAPITAL ONE BANK (USA), NA Plaintiff V. JUSTIN G. WEARY, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA No. 09 - 2756- Civil Term CIVIL ACTION - LAW PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes the Justin G. Weary, by and through his legal counsel, MidPenn Legal Services, and files these PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT, and in support thereof avers the following: 1. Plaintiff is Capital One Bank, 15000 Capitol One Drive, Richmond, VA 23238.. 2. Defendant is Justine G. Weary (hereinafter "Defendant") 3. Plaintiff filed its complaint on or about February 12, 2009. 4. Plaintiff claims that it is owed a balance on account for $5,821.93 for use of its credit card. PRELIMINARY OBJECTION PURSUANT TO PA. R.C. P. No. 1028(a) (4)) (Demurrer) 5. Paragraphs 1 through 4 of Defendant's Preliminary Objections are hereby incorporated by reference hereto. 6. Plaintiff does not allege that there was any agreement between the Plaintiff and the Defendant, merely use of a credit card. 7. Plaintiff attaches only one billing statement which billing statement does not even agree with the amount sought in the complaint. Said statement does not indicate, in any way, that Defendant agreed to the terms relating to balance, interest rates, or method of calculating the balance due. 8. Absent such allegations, Plaintiff fails to adequately state a cause of action. WHEREFORE, Defendant prays that Plaintiff's Complaint be dismissed with prejudice for failure to state a cause of action. PRELIMINARY OBJECTION PURSUANT TO PA. R. C. P. No. 1028(a)(3) (INSUFFICIENT SPECIFICITY IN A PLEADING) FOR FAILURE TO PROPERLY PLEAD ITEMS OR TIME, PLACE AND SPECIAL DAMAGES 9. Paragraphs 1 through 8 of Defendant's Preliminary Objections are hereby incorporated as if fully set forth herein. 10. Plaintiff claims that it is owed a balance of an account in the amount of $5,821.93 and attaches as support thereof one monthly billing statement in an amount other than that prayed for. 11. This billing statement fails to specify any agreements of the parties, terms and conditions of the agreements, amendments to the agreements, or the Defendant's request for products, goods or services. 12. Pa. R. C. P. No.1019(f) requires that averments of time, place and special damages shall be specifically stated. 13. Plaintiff's general assertion of damages therefore is in violation of Pa. R. C. P. No.1019(f) and renders Defendant unable to properly defend this action. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff's Complaint with prejudice for insufficient specificity in a pleading. PRELIMINARY OBJECTION PURSUANT TO PA. R. C. P.No.1028(a)(2) and No.1019(i)(FAILURE OF PLEADING TO CONFORM TO LAW OR RULE OF COURT) FOR FAILURE TO ATTACH A WRITING 14. Paragraphs 1 through 13 of Defendant's Preliminary Objections are hereby incorporated as if fully set forth herein. 15. Plaintiff bases its claims against Defendant on an alleged use of a credit card and one billing statement. 16. The application is not attached to Plaintiff's complaint. Plaintiff has failed to attach any credit agreements made or signed by Defendant. 17. The billing statements are not attached to the comlaint that would show a proper balance due. 18. No agreements between the parties are attached to the complaint. 19. Pursuant to Pa.R.C. P.No. 1019(1), when a claim is based upon a writing, the pleader must attach a copy of that writing or provide explanation for its absence. 20. To the extent that any credit agreements between Defendant and Plaintiff are written, Plaintiff's Complaint fails to comply with Pa. R. C. P. No. 1019(i) in that Plaintiff has failed to attach to its Complaint a copy of any such written agreements or any explanation for the absence thereof. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff's Complaint with prejudice for failure to conform to a law or rule of court. Respectfully submitted, MidPenn Legal Services Date B • G :o?f'frey Bin ger 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 CERTIFICATE OF SERVICE I, Geoffrey M. Biringer, being a member in good standing of the Bar of Pennsylvania, hereby certify that I served a true and correct copy of the foregoing Preliminary Objections To Plaintiff's Complaint on this 6th day of May, 2009, by placing same in the United States mail, first class, postage prepaid, addressed as follows: James C. Warmbrodt, Esquire 436 Seventh Avenue, Suite 1400 Pittsburgh,PA 15219 By Geoffrey M. Biringer Attorney for the Defendant 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 Supreme Court ID#18040 FILED 3t FICE OF THE PROTHONOTARY 2009 MAY -5 PM 2: 5 t PENNSYLVANit"k Sheriffs Office of Cumberland County R Thomas Kline "Ir of C111tib r?7 Edward L Schorpp Sheriff 11 Solicitor Ronny R Anderson Chie ? Jody S Smith f Deputy CE ` S"ERirr Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 05/04/2009 07:10 PM - Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on May 4, 2009 at 1910 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Justin Weary, by making known unto Justin Weary personally, at 19 Trine Avenue, Mount Holly Springs, Cumberland County, Pennsylvania, 17065 its contents and at the same time handing to him personally the said true and correct copy of the same. ` SHERIFF COST: $33.40 SO ANSWERS, May 06, 2009 R THOMAS KLINE, SHERIFF Docket NO. 2009-2756 Capital One Bank v Justin Weary lleput Sherif C'a o W IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CAPITAL ONE BANK (USA), NA, Plaintiff, v. NSTIN G WEARY, NO.: 09-2756 CIVII:.1'F,RM Defendant TYPE OF PLEADING: AMENDED COMPLAINT FILED ON BEH.~ILF OF: Plaintiff COUNSEL OF R.ECURD OF "I7-II5 PARTY: Submitted by: Plaintiff Lyndsay E. Rowland, Esquire PA I.D. 205520 WELTMAN, WEINBERG & REIS CO., L.P.A 1400 :Koppers Building 436 Seventh Avenue Pittsburgh, PA 1 `i219 (412) 434-7955 W WR: 7117624 IN TIIE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE E3ANK (USA), NA Plaintiff vs. Civil Action No. 09-2756 CIVIL, `I'F.,RM JUSTIN G WEARY Defendant AMENDED COMPLAINT You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and. f ling 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 WITI-I INFORMATION ABOUT HIRING A LAWYF,R. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LF,GAL SERVICES 'TO ELIGIBLE PERSONS AT A REDUCED F:EI OR NO FEE. CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIAT ION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 AMENDED COMPLAINT AND NOW, comes the Plaintiff, CAPITAL ONE BANK (USA), NA and files an Amended Complaint, the following of which is a statement thereof: Plaintiff is CAPITAL ONE BANK (USA), NA, a corporation with offices in 15000 CAPITAL ONE DRIVE RICHMOND, VA 23238-0000. 2. Defendant, JUSTIN G WEARY is an individual residing at 19 TRINE AVE MT HOLLY SPGS, PA 17065. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. COUNT I-BREACH OF CONTRACT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. 5. The Plaintiff made an offer to the Defendant to open a credit card account by mailing a CAPITAL ONE BANK (USA), NA credit card, bearing account number 4862362630717232, along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendant. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit "1." 6. On or about August 18, 2004 Defendant subsequently accepted Plaintiffl s offer to open the above credit card account by using said card to transfer a balance. A true and correct copy of the July 20, 2004 -August 19, 2004 statement is attac:hed hereto and made a part hereof as Exhibit " 2." 7. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 8. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A truf; and correct copy of the Defendant's monthly statements from July 20, 2004 -September 19, 2004 are attached hereto and made a part hereof as Exhibit " 3." 9. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 10. Defendant made periodic payments on the account with the last payment made on the aforementioned account occurring on August 21, 2006 in the amount of $50.00. 11. Defendant breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 12. The balance due and owing to the Plaintiff on the aforementioned credit card account as of September 19, 2006 was $3,737.27. 13. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 14. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, JiJSTIN G WEARY in the amount of $3,737.27, with interest at the rate of 19.90% per annum from September 19, 2006 to date of judgment and costs. COUNT II-UNJUST ENRICHMENT 15. The averments contained in Paragraph 1 through 14 above, arf; incorporated herein by reference thereto as though herein set forth at length. 16. Defendant used his CAPITAL ONE BANK (USA), NA credit card to purchased goods, merchandise, and services. 17. By making use of said card, the Defendant has had a benefit conferred upon him through. the use and enjoyment of those goods, merchandise and services purchased. 18. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the principal balance, finance charges or any part thereof due, as set forth in the monthly statements, attached as Exhibit " 3," and as such has improperly retained the benefit(s) conferred upon him without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against Defendant JUSTIN G WEARY, in the amount of $3,737.27 with interest at the rate of 19.90% per annum from September 19, 2006 to the date of judgment and costs. Submitted, L~ dsay E wland; Esquire P LD.2 5 20 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 7117624 CUSTOM Welcome to Cap'dal One° We aro ppteasrd b have ywr ardN cud aeaysnL Thk Customer Agreon+aM mnhtzs infortnalbn about you awuvL Pease earl i1 and keep 4 1« your records Ywr oonbac! wiN srs br IM ord and sawnl ('Me AgrecmmYj mns¢ts of dos Lus1omer AyreelrnrU, lopetMr vial ary drarpes hs INs Crslomer Agrcemmt Ussi vrz make as Proidod lalbw. B+a Seorritr A®unl (d bppGcalAe). the SecuiM Acbourrt Azslgarent Agreement (d appfiaDle~, Capital One Prireq Notice, ersy a®uN disdosuros Drovrdad and deWered to you pnor b a at Ase time Your aaount opcrud, irxiudnp dkdasuas pwsuaN Ice repWrerre:rds of TnAh b Lendng Ad (haielnaMr TIIA Arazurd Disdvzues-j m wep as any subsequent metes of charges ro Arex doammk, and any and cep documents Thal mdv& your srgnalun (indudtg any eL^gmnic « d'gpal sgrmtwc) on eery appGraSan sales skp a otlw aHdasn of hdsbadnass on your arrant In th'¢ Agrerrrent the words 'you' 'you( and'youri rckr b eafi person win sigmd Ure appNalon kx tlsa arzxYiN (eadk ^ 'joed a®srnNsddcf( and b anyone eke wFo is.auAroriLCd b use Ne.aaount h any wary (each, an 'AUA»rixed Usef). ExaPt as spaddraUy stated hrrcirs cede of you k indiwluatly and jointly aDSgated ud« Ui6 Agreermnl T7+a words 'war"'us and 'wr moan Cap'dal bee Bank and ro zsraessors, assgns, agents anNor auWr¢cd repmsontatvrss. II Ne appliradoo br tlo accwM staled Asal Use awunl wit be a "SecvrsTy AL«nL' Aia rnearu the lands yw haw pkdpud Io us b sasvm ywr awurrt This Agrnvrrenl and d.e Security gwuM Assiganrrl Agrc mad (i( xppfiraDh) do rm1 h iMrJ rvw nr in ilm OUSy13 ~R AGREEMENT ~d'q pmt even i Ansc traraacbwv resu4 in an over Arvit fee. and Anse 6ansadgss arYJ lens wtA lti zUbjtd b Mrs Agrevnenl and fhs Sserrily Arrant Auigrmrcnl Agreement{4 oppkabk). Any transadiwss Innaed "m czcess dynrr ors4 Am4 wll no( result in an ncreasa of yore uedh Gmil unless we cxpressy notify you o{heiw6e. Addhional 8oncfds and Serv;cos, Fmm Gmx b bme, we may odor yar Dencfds and znv)2s wIM your armurd. Thew bencfrs and scrvhzs may be Dnmdrd by us or tlurd parlizs Unless expressly made a part of Ariz Aprtemarst ell except as pmvtL•d in dse Arb'NaSwY Prwkion bebw, arty such LaraTAS and sery~!s on na1 a pad of Ass AgnernasL a^d arc wrtrfccl Defy b I}re sem¢ and rmdiions ouWngl "n dt 6eneG5 a srlvras brod+trra and otlwr dfcut tfowmeMs provided to yw wish restz0.d b IM banehls and scnics. We may adjust odd, or delek EerscGts a servers al any time h acmrdanct wAh the 6rzrhuns or dwwnonu yell receive In addition, any sole 6crixfib a servk-.as attend b yw in Urc rrosl cunanl varsbn n1 the "Gods b Benaak' slut rcplae and super„cde tlw Ix:reyh end scru'm' tlral had been o4ertd b you » aD presvtG versions d lho 'GUxk 10 9~r.bts; w~Uwul fraUu:r nolico, Fzcnpl as pearled M acPficrbb bw, uo arc nni fable /a bmel3s m servLxs pmJdrd by Acrd part _c a tM attionz or rurirss3oru d Unw: Arird galas. appy b any oAscr Gpital Ont Bank aaaunl Ma, you may eve, e 1vbn, rscepl as provided b Are Amitratfon Provi-fon aclosv. Unless you huvu aNUZd inb a SoorNy Aocourd AssigrmM ApreemGd wih us, lire acuwnl6 tmsoauad, 6axpl as pmvidod is the Security Acnwrl Azsgananl AgrsartraN (tl appficabk), she account s red stcvred by any other proprM, repatdkss d the terms of any oAwr ruled to uiym you and wa art suhjcd Wt can delay edordrsg any d ore rgMs ord« Nds Agmcmcnl wiNaN bting tMm.lTre and V and rormtns wr pmperty, and you wsY sunendar 4b x at any Anre upon request Assignment We tray tnruler your amwnL Ufa Seassrly Account {tl appiiablej, the Secrrrry A¢ount Assignment Agrearnenl (d appbesbkj andla bur righh undo Urs Agreemod b an assignee The assiprsee wW take our P~ under rhk Agreanery Um Securiy Arrant (i oDPt~blz) and lht Sec4rily Awwsf Asstjnmont Agreement (i applicable) wiAl razpad Io Are egrceriion6 sM hkresk 6anslerted. 7M assgnae may a ^vaY rot be an alfiAab d Lapipl Drre Busk You noel pay ma asslgnre and oMenvlze perform aA d you obfgafaans undw Arse agreements, Yw maj7 rot transfer your a®unl m your dpFrh order the Agroanwnl Ure Security A~rvunl rtl apP7uab'e) a the SeatAy A®urd Aasignrrenl Agreement (d aPplfubla) b any person a entiy wilxwl oUf express peer Wdden mnsaM guyed b AM praca3irq scnlence, AUs AgreemeN wiA be lakrdlry and Inure to tln banaTl d you and our rGptdivc surcossors, aalpns and mprc~2nbaves. Ucinp Your A¢ounl Yw on nuke punJrases end obain rash advances (i cash advances are an W16i la ywr amount) Iry usiry ywr raid, armunt nunSer and any atmrml arcs cJrects (mom q Purtdsase Checks. Corwaskasa LMslrs, Sp^.doi Transbr Chxks arvl otlta iaalar drucl¢) tlsM we may send b yw. A~ifioruM', Ynu may request a slop paynrrvl on aanud a¢ess dials, bui we reservz the rghl b cksrga yw a fee for such :nrv:¢.s. When we fxovide you orb amwnf emsz. draeTs, we wit 1eA yw vdvetlser U'tY wiY br vealed as purdvaaos, cash adran~z or spttW Irar¢fers. Un1us moo bA you oUierwise, Lmvcnienxx Checks sviA away: bt healed as rash arJrervws. We mry esbd'nh dlla~rd segments {M yar aaaunl sole as a puduse stpmerA a rash advanm sayneM snd a special :nnslens srpneni, Earn sayrroM may lx wbkd b tenr¢ and mnditrorss that arc didnad Ihan dwse IMU at apppobA b other aegmenls. Our 6abiliry, i arcJ, kr any wr«ghd dishonor of an amtrnl awls check 'n fanged to yow edrni damages and shaA nd Indrxla any mnscqutrvlal damages, and in ro event wg! i es¢cd tlx arrnud d the ciw:da Yw agree riot b use tlse and « a®uni Lf mrvecJon with eery fnlrmel a Regal gamblrq Uaraxdons, but arty IMemet a 1Aapaf gembGry barwcGons b sJnids yw ergagr wipe the raved rA erxnunl rrreMelrazz wit ba zubjod b rile Agreement and Ax SarLrdy Mmunf Asslgrwrrasl Agmamsrd (tl appGrablt). Your ord erd earnest may only M used Tor valid erd bwid purposes, !1 yw use, a authorise someone else b uzq Ur ord a a¢ount br eery wrbwdd a Inspem3svbk pupose, you wAl be resporasLb 1a ssads use and may be arsiwed b rermtursa uz and klzsterCerd Mkmalional Inmrporelad 'WstarCard' or Y5e USA, Iris 'Ye;a; az a poilobk, a Mst su¢esadi Ice a4 amosxsk or ezpersses 1ha1 vre or Illy pay as a resuh d suds udawid w impenraslble ass. In arsy even( eery udawbAa Lnpemnzvbk bamocGau in whirls you engage wlFs dre ord a amusl nwefielrsz wit be subJed b drk Agrtreaerd acrd tlw SecruMy ActuaN Atsignnerd Agroerred {tl appkaWe). You ages Thal wa an not rnponsbk i anyare rcirrxa b honor your raid a avnrmL K yw had a prior nadA ord w oMel aaaasl wish rn, a wads sn acrsurd a 6Marxs d such an euored waz Irarssterred to us «one d acre afpfiatrs, and you agreed m mlrrstak Ase ba5arrce d the pier aamunl n the form d you new a¢os t U>c new a¢aunt wM awn fmarsx d+aryes Iron tlx dale Mal Art new a®trul a opmxE. Autl+aiced usan arc rn1 finendeay rabpMSlMa for the a¢pml An aumnrurrd user rrwy ass a aed4 med. rare retpnsl certain asouM infomntlwl and ran regtrtsl b be remnved tom Ase asmud Subject b au disaetbn, an autlrorirrd asst may n« br able b bipab caAain bdivrrs zm Ara e¢ouM Yw opera b provide srs wTih inbmufan Gnnfdy'mg arty parson yw avtlgdrL b use you a®uA indsrdirp dxh none. addess, tlale d birth m+d od'rrr ideMNytsg Informallon we may request Eachang+ Rata. IY yw sfal'e a Varrsacbon n wnawy oprer dean U.S, ddae, Y75A hrkrrmGonal « MaslerCaN IntemaGonai wiN mrssrJt Are Varga a vui4 Wo a U. ;. doear arrxanrl'n a®rdence will Mc'r gxralirg requlaAons or mrn'crsion procMmes n oAed ai tlse time Me Lansaction b Processed. VISA Inlemadasafz repubA«a and poceduras prorlde Mal eHerJire Apri 2. 2005. Ma exdanpe nit ir_raean Ure transadhn wnarrcy and the Dpfirg rsmerxy used fa prarsszirg inbnvliorul bansadass k edher (T)ank selected l*/ VLSA tom tlse nrge of acuyfabt ekes in whobsek cvrtcrsq rrerkeh tot 7M appfo6k coslnl processhg date, whkh nk raay vary imm Are rata VISA 11se1 rcxires « fn M• gortnvnenl rnandakd n1e in aged for Me appAabla mrrtral proracsng dale; {azlerCad Intartvpanafs ngdaGora and prorzdsms prwidc Use careneY mrwsrsbn raft A uses {: e4Mr (Tj r afiotsale market sob of (2) a govammonl meMats~ me in attack on the day d She avdsal promsahq dale. Caeb Equkabnt Tranaadlnns. B osh advanms are m opAon for ywr accord, you can use ynu aaauM b purtltaze ceAein iLettrs that we regard ax 'osA aquba ! trensadnn:' AA cosh qurvahl Lansarborv xill be trtatd u o9r adran~s and wit be b11b0 b tle ash advan¢ sgneM d year armurd. Cash equMaknt Uarrsactions kduda wRrvd Gmihpac Me prxdsase d vrdr innskr rrsmsey ceders, bets, IoMry tideis, casino gaming atips and other simAar prodvCS or sewices. HoAdtg in tlds paragraph evil be iMOrprole0 b vafdak eery Uansacbon that is unlaadd primpemdaible, Your Lndh LSm1L Ywr {n%al aedA funk sNA be dkdosed what ywr e®rlnt is opened (« activated} EAher hipeAy, a al arty lake bme, we nay sslabRdr ddferaN dedA Gmifs Mat apply b dlAatrrl segments d yore acmuM (suds as purdnsn, cash advances an0 spzdat asnsfors). Your arrant aed0. Welts wAl be idmpGed in your palodie stata.~rsrrlts. Ym agree no( to aAow Ure balenri o(ywr axouM (Mtlvllrg aA bansackora, (maws chages oaf oACt feet or doges), ar tln bajatxx of Me aypfrable segments d ywr aasuni, b escaed Ure ePplecbk ced4 dmM_ A you have hem given fis optbn b inatase your aodt fm4 try nddmg bends b Yatrr Seaully Atsormi (d -ppfimdeJ, wn roarve do dghl not b increase your aed4 tong r7 Me addr6orei funds are provrdr~ w1ule yotd aanunl 'e b delavi We may Inc sr ar deaezse you rrndA Gm4c at any Gme w~lmul ppenw« mAce b ywr may lempdndly irrcraase oT darJaasx your raedA fimlk al any Awe wAFetR glee erotica b you, may TmrA Are aedjl imA (d ash ndvanrns m may lake away ywr abVdy to obtain cosh advenru. Wt may honor 6aneaNuse kr esrrss d ywr Mak4,g Payments. Yw p+om'se !o par ua and are Aabb for all anvwnh due resulting tom the auUodyaf use d you card nr artniml IndudLsR any f+narcr drargcs ant oMrr charges due under the terms of this A3grcomasL Paywnen5 neat bo made In U.S. dollars. Payment meta by a dreck nnney order a oUier negvliabk irutrurerd (an item j m,sl M in a bm+arrspbWe b us and be dawn ar a U.S. frsarrdal kssGhriion We may aNDrJL• payments and Drier aedlk end pmoaods among Ara various segments al Your arrant and b rahagos and principal due wilhLs Beds segrtenL is any way we dalenntrr¢ IndudLrg bebncrs (bdudLtg new lnnsacUwu) with bw« arwual perorrrbge nks'(APRs) belore 6obrrcas witls higher APRs. Paymenb you map 1o us nl Vic address far payment slalud on ywr perxdic alalemani wW De aedikd b your a¢auM as of Uu btuiness day we rertivc it provided (1j yW sad 1M rerMturxr mupw portion of ywr poriodic slnlon+enl and ywr dndc b Ave rtm46na envelope Pr>r'idad and (2j year WYE c received i1 wr prnmssmp cnrJer by Me Gme bv}icalad m yea paricdk so¢meni. Please albw al least fns (Sj business days la postal dcGvcry. Payrtumts rucsiva! by tS aI arty oArer lora5«+ « b any odsa lam may rot be auiitcd as d the day wo recewa Mom. Dw IwsLsr~t days arc IAmday - SaWr ray, azdudLg tmlidays. Cndil anitnbl'dy rNy br dciayed in our sale durnibn b ensure payneM to goad lands. A wa auxpl a payaaM al some else! Place. we may Baby she uvdlGrg of the payrmN br up b five (5) days. TMs may ®use yw b into Fels payment Incas and addY(orul finance duvga, and may nSUY is your ercwnl h~uq dcdarcd b he bm da(ault Ary nw:mws payment that k due wIA to staled in you periodc shMmanl You must pay al lead the mwnwrn Dryn ml due by Uw Cale sbfed in your periodic slate nl b avoid a Zak pymoN If)., tfav~~~r, you miy pay null Ilan the nJnkrum paynanl a psy N:e bob^cr in NA. !n any rass, fnaner charges wit rats4.ue ro be assessed durvp biting porbdz Ural yw Bey a babrws r<gardlazs d rdwUwr a not ywr ztatmnall shows a minlmm payrn:ni due We on acspl fait WYr^e^v or psnial paymenh, « pane nrorkad 'payment In IuA' a oA1rr slmtlar 4npuage, or payments with a rcqu°'1 le apply 1M pnymeM in e parSabr rrerv,sr, wNhou( knSg any d wr riglrb under Mic Agreement ' dudhg our right b rrsciro pa)mreN in lu0. No payment shaA olrreb as an a¢ord and satniarllon wiUrous «a prior vrritlan appmvaL AA wri)kn wmmanimirons mnmmuagg Oispulzd amoastz. iuludn9 arr~ check a oNwr menl pr (uV d n nslmMS t d M M p y e paymen m c its 1 I paynenl Instrwnbnl Yna1 Ls Are amaW owa-0 « IMI c lenderr~ with other mndbons a Fm'tairoru « as IuN zal'ebdion d a deputed amowd must be moped or dcGvrred to Cappai Onb, P.O. Boz A:Bfb, Rkdrrord VA 732A55010. You wit not rnnte payments (ram lulls obtained teen Uro acmusf a any Dieu uedit arrant wNh us. N you pmrrcnl k made fo any oMcr address, we trey awpl dre payment wiMoul losrtp any of our rights WMn yw seed us rJreek(s) fa make payment on your a¢ount yw autlrorb2 us b make acne-Ame ttedmni vansle! Imm yyour bank nrmunl for IM: amouN d Ure cheek as Indaled b/ nrareriral dgik. T'h'e audrdsaaGon bppG6 b all leek(s) m¢ived by se durng pre bilGrrq pared evrn p sent by sornodru aka. who yw agree k ywr aged and was provided wWr Nast dccbsuns b adrar¢. This autlerrzation if rsd reatrrdd Dy Arc dale on 1M dsKk ant Irrduda: resdmvssbm. we will not be D«uYl by any resbiclive legend a rvrsdilon appearing an me lea a nv«se srde d tlY dsect M orb Deed process Un cLstraric Lamle, yw :uWAie srs b make a dsarge agaissl your bank a¢ovnt by pmce»irrg tlse check, sufssllMe lade, dMl a cknitar insWme^i We nay adjust your awunl as approPdale to mead emsrs, rrnmad kcne, rcjtticd dcbib end sirrdbt mdkn. We may, In wr sde dlscoAa\ oAer an ocpcd4ed paymeN servim Yw are not mquied to use tlris serri¢. Ylhen yw arrdesricw us fn graces a domorW dnh. efedronE ACH deep a never sspedicd pymoM rremod I« your aaoaast we may ar^rRs yw as ety_d4ed payment tea in an amount d'odozed b yml al IM time d the server. Wr orb not respaeibb for arvy dlsharor d Yse paymed by your depositary irrsUuGm ant tray raul+ Use ree in Asa evert of ouch dahwror. N you plre ywr accami mrmb^_r «oMra e¢rnnt brl«rrsaL'on to andhcr person ro make a paysrcM for yw a to ad on yrnr bahaN, yw agree Aral we may 6isavss you amuni vent due pe+srxs and pm¢ss Use paymml as i D wart node by yw. r M d paym , « You furArar agree Thal yw wit be msporssibk ar aA mntegUDMOt norrpaymenl by such pant. indrrd'm9 espcdAed payment Rtum paym-nt late paynenl and guar frnil lees, We resent the right b rdwe to aixepl paymad cn you bchaN a b ParnA arraAor porsorr to ad sin ywr be1aR Period'rc gb4msnL Eadr rrontlt Mal yw haw a «edA or debit babn¢ dnrne Aran S1 in your aaounL sea moil send you n pcriate shturrn) as acrd when regvhed by appunble law. The perysdr_ stakmcnt wrtl srww aA aansadwrrs bled b you amtrd during Mc bfiLg pr~bd. TM bitting p^.J1od k N+e tiara Iron ase sbbment dosing dale ihmugh a n~rq Me next staferlrenl dosing dale. The s6kmartt dnrirg date delennines Me monM of a speoTe DiAirg period. Fa example, your Jaruery DiBag perod a the biAing pemd with the smteMnt dosira dale in Jawary. Flnarxe Charge_ Yw cull bt ~wszed flnM2 dsages as prcv;nusy dkclased b yw zs paA d IM TAA Acmusl Drdassnrz a az we oral disdosc to you d required by appb..able law. Temporary Rbdudlon in Finance Charge. Wa rrsorvo the light to not aaess ant a aA finances rhagez la eery g'rvtn biting peiod wiAsaA svatving the dphl to asas such finance dtages b a h?rsR baling pedod. Other Fax and CTargee. ll+e foAowksg trs any be DIAed b the Pudwsz sogmeN d ywr awxmi and wAl ba IrealM at a purchase and appprq against ' cg perF,d In your available atdA GnlL unless ofhenrise specified, b every biA whit M~ apply ()A fete payment (re wiA M assessed N we do nd rewire ynu Urt daft v 'rmn! b l4d i Iha A d d - y , as prov n gr de payrrenl n Nine br 4 to be we slated 'm you ptdodc stakment {k) en ore limit fee w41 be assessed A Iha bahnra of your ar:vrrnl (d any ssgrnenl of EXHIBIT _~, _.. ----. a .....=f -.., ~ ..,. s... rl: rc~:.~s DD5t13 your a¢nunl) al any titre tlurirq Yse biifug cycle, for arty rtasoR is prralef Wn Ure apptkable te„pdrary d prmrarrJrl credit 6miC (ngardkss oI wneUrtt yw weal over Amil as a resuU of a yansadion, towns charge w any other lea a doge, wen Y approved by us);['] a moored fiodc lee wig De asr'sRd d we do ml twror any aanuN au-ass dick bi any rrasorY (w) mp7rrq dsarges fa dupfzak eagles d traraadion daarmrnhCron w pedod'e zlelamanh vA/ be asxssed on s per-page bask, unless n:quved for bg6sg depot rtsohtCw~ (v) a rebored payment tee wig 6e assessed I, for any mason (a) a dseck, dnq w dm@ar »sWrroN k not honored w onrsW !x processed; of (b) an ekadrwirc debt 'a retained unpaid or mnnol W prwxssad. Yw avlmdza W b resubmU mGancd paymeds bJ ova d'avedas Al our opton. we mry assess this tee rack 6rar Your payment s not hanorod w W id: aeR I I h bley Iwnored w paid ldlav'vg resubn3ssion. Any Crer!( dra11 a syptlar Irsbrarcrsl may 6e mlleded ekdrordopy A rebored for hsuffcknl « unmYcWcd bads. We tray drerrge any d drew fees or dwrpes, w add addlGonal lees and charg¢t, as pmsdtfed bebw. We reserve Use dgAl b waive any of dscss tees without Pr'or m[d®lion b you WrUe mahuirdrq our right b assess these Teas pokg IomaN. Ceah Aduanca Fsa. G cash advances ae pemdded for your a¢ounl a cash advance tee fnarree drarpe ww be n assessed cads firm you obbir a euh odvarrce w euh ega'wakN Iransacbon, (U) a dad b the rash aduarr® segment of your arroud and [i7 app@tsf ayyainsl your avapab;e crztN fmil The amormt d Nc ash advarrre lee Iname drape wit ba added to odrru Manta rhaglrs shown ar your pedodr atabmerrt for I1so purpose of wlwlatiny the amwl prmmtagt 2k for tlral tiding period. This moy muse the nnnrd pane.,ddaa~gc tale disclosed for that b'dtmg pr~iod b be greater Ilan the anrwal ptrcenbgt role disdmed b you. ttombarship Fee. If appGraDh, s mmrbersdp lee oral M imposed h your fall btpay Pcdod, udess spodfiopy slated oUravw6a. If Ux membership tae 6 essassnd annuapy, d will lx assessed» UK Ming period» whkh ods anmrasary d the openhy u( your aaauM omrr:. U use memborahQ lee h assessed mDnAry, i1 w@ be assessed» aadr d6ng period. The lee wi@ 6t bBkd b fire purdwse segrrcnl d your a2ounl and wll !x uealed as a pundom and appicd apakul your available ocd'd (ml The rremberihlp la wN rot be mfurded, » whole w m pan, wen i you a we arrrcl dse aaaunt. Tmnskr Fee. A lea wlp 1>a assessed for ends parster of lords from yow account to yow Sxuny AccouN Nat you roquesL The (ee wN fr 1rDM b the rash advarvs sogrrent d your a~rrnland wN be lmafed as a cash advents and appped against your avaAabte ccdl krdt Foreign Tnncactbn Charge. For eadl trensadixr made » a rdturfry oUws Nan the U,S., w U.S. Tndlorirs, we wN aaess you a brranca Burge as pevor¢y dkdosed to you as pad of Use 7qA Asounl D'erlu¢wey w az we wit dsdoar fo you it rcgriued by appfrabk law. The toe wiU be lased on the U.S. donor amount d Use tamadion. CredY Bureau »lorrnat{on. Yw agree that we racy obbb inbrmalm about you form credi rsportlng agendas w atlters al any lime and use M 1w Iha purynsrs d monilorhg yoW uedl pedomarss, rnanaplrg ywr adaurl and mnsldciug you for nee fifers ant pmgAms. Security Interest The krrrs and wMifbns contained vripsin Ufa paragraph apply ony H Ure appfiwlion fa the aaovN toted prat Utc amanrl wY be a severed aro9rrnL You provided us with rsda» funds. vvhidl have been depmilad in Ux Secudy A®rmC To scare pa rtxM d the balance d the acmunl and atl oflrx arrounk Dung ursdcr the burrs of his A~rr~rrrcnl ant else Se~a~y A¢vrrM Asigrenrasf ApraemeN, you have Irartsfaned, assgred, pledged and grankd to us a security »krcd in the Scarily A¢tzust aU hazels mnlained in fix 5eavrAy A¢nunl a1 proceeds d the faegolrg ant atl proceeds d prorseds, This seardy bksosl 4+dudn, waSnul fimilatrm, Nc iMGal funds that Wam p1a®d iNo the Sectrrly A¢wnl arty addifnrraf katds added b the Sewdly Acreunl by any pssm and airy interest ramsd to N acsual m fie Serudly A¢ounL Iha kms d the secudy inkmst ere ae7 la>h h Use SenrNy Arsaad AssgmreM Agreomrnl you ezocubd Y r() yDd debull w bi b abide 6Y any d the terms of Nis Ayreemrd w the Seamy Acmrtd Assgrvrrenl Agrovtxnt (~ Yw chse your a¢uuN a TaU we wncal your aanuN Ivr any reason. we may then a thtreuher, and wiUnul give noGrt b you, esgdst ow seamy Lueresl by dadodinp torn yw SoNrAy Armwrl he baLVt¢ due m your arzvurd and aY Delver amounts owaq cadet Yx lama of hit Agreement and pee Securiy Accvud Asi 3rslrsl Agrxmonl. Wa troy uerdse Ytk tigN b malts suds dedrdlors Imm your Seamy Aomrnl puiodrm6y as we determine k !r approprLnto, Yldhin stay days atkf Ure dale Your amawd k cbsrd, ee vent sond aA remelneq funds infix Security A¢wM b Yse porsus IegaAy endlkd b rceive porn Future Oflars 7he• lertns of eery blare aflar rebfirg b the awa,N wN t>c dadosed b you at the acre Yu: filer 6 made U you easel an Defer, the leery rrA bemnaa eBedHe knnted'alay unless oUrerwbe spmbed b the otkr. Dalault 4Ve may n qtr sob dsaedas, dcdam a delauY under Us's Agreemod k (aj we do nd receirr Ne lug anwxd d en mirimum payment on a 6efom tlx dale d fs due, (b) yes exceed try aedU Amll or (can Aerrt used Sv make payment on yaw aaauM 6 not itortwed w omd be prwessed, a an akdronk debU b make payment on Your arnsdrl is mhmred anpstd a minted be processed. To1he aslant penni8ea by appficsbfe taw, ue may aka, b oaf sde difoelbn, deckre a delauh under Arfs Agravnenf tt (1) you violets any d Yre rotlrx lens d Usis Agrmmad a Soardh Aaarad Ast'gnnvnl Agreement (I appGmbk), (2) we hate dedamd yrou b be » WI under the kma d arty fibs agreement vrltls us rot sny d oW atarwlrs, Q (7) sue ddemirr_ tltal yew made arty take a rtinkadirg sukmwds on your spp&ayron br, a regaNing the use of. Ne aaowrl. of odssnvke aUenglra b defraud ra, (~) WnbvPk7 a other imoNanry Pmrted'ngs ore itsUluled by yae or aga'xsl you m (5) yar d'e or am dodared legaly a+mnrpeleN w Inoparlrale . Ai any Gore bAowirg arq delauA rades tltk AgreemeN (w aIL•sxe yyne you any rodce rX rghyto nee the tlddauY, A regtieed by appfobUltee taut), you wi 6d sub)ad b paylq lnbresl Maine chaget and oArr tees prrsuaM b Ne hmrs d Ark AgraaneM, iraltAirtg arty appbmbk defauq ale, wen alAa ony baMmeM is obtained, AddRonaly, eve rrxy, ai our sots option, (z) ImR o1 trot allay yes b nuke arty nnr pund+ases w rash Varsadiors on yow aa~roemf~z), (y) »oeesa yn~f ndnnnum Payment vein tdd, nods as may 1>s regtiarE by applkade Ave « (>y tub)ed to he imdaUnra d appYobk taw, dose yea xrntngs) and denartd inmsd®le pnymcmi of fire rnTua wnzursding balartw phs a@ other amounk rwrirp ender Ure tams d tlsu Agrmmrnl and Yte Seamy Aaaatl Ariymrert Agreem_m! To fife aatenl pe!m"Ir eel by eppfmMa levy, your agree b pay us aA d opt adwl mud msk, mlkettort eryuses ant aAOmey i tee (rrhetlrcr Nd b an aYomey vvlrD is oro d our ampbyees w an atlomry who s not one d our entpbyec) krcmre0 M us b the coAecBon d any amwmt you vrm vs tinder fhs Agrxmenl Yov also agree b pay us ere of our adtzal msls hat ere trrUf in re(riermg ywr ®rds, bdrzfag any costs we ruay Treat kY Aavkg ydracmunl placed txl a reslddW Bt Ndhkg b this panptaph shag be mnsbved to tvai2 od impede our right b regvhe ar6Amfron in acradanm wide the ArCrlmCun Pnx%lon belay. Account Cbedm and Suspencbn of Credd Privlega, (7) Wa may, al anY 6me, w@h ortviptoot cause, wipe oywiAmN adranc>! noGtn, and regartYass d Use esisknca or m7rzhiulrs 01 a delauA urN~ This AgresrtenL camel the rr¢wrm eMrar fampomrpp w permatxn0y suspend you nudl pmAega under (Ale Agreernrnt A tvD tartrat the axarnL you ogres b imrwtilalely destmY aA weds and unused arzawnl anzss ehxf¢. (2~ Yovt oD(yatrort b rnaka pzymcnls ant your oihar o6fga(um tmdef hk Agrt'tzrmnt xfi mantas n hrN force ant eNed atlas @te acmlml k oncclkd w yola ctedd pdWeges am ItmPoradY or ptummenUy stspended, CancaBafan d Yx etraunt endyar lernporary w pemrendd suspenspxt of your vMA privAega wA rot atkd our seanify Teletext in your SeatYp Avsrznt (T app fir) d ow rghU antler Ate Stxvnly Armtml Asslgnrrtertt Agreement (I sppAradej. YDU inn daze your atxnUd by cnlfng otN Cuslorfst itota6ons mm ~skt s aled~6shfmut Pe~'a: s~Gkm~en,~and ckregt,a~ ane~uni od~m.AYDU a9ma to destroy aq DNS and unused actwn! aaess ched¢, wr,rel aA preaulFmriced bBlmg arrargerrerds and aaza uieg yea ®rd en! ara9urst. It you do rot gno-J atl preautlsodzsd bNbg artengerrenk, yet, and wt w~ casida our rueipl d a preauthodzed debU b yoW aztouh) to mrszGlule your au0sorization b reropen IIR a¢sunl on the krms stl Ialh in Ui¢ y~gransnl :rd U+e Sazrdry Aanunr AsslpnmcN AflrcenxN (I appfrcade). Your armuM wiU rot ba dosed unW you pay aq arnwnk You ewe us under tlsit AgrecmeN Dnd Dst ScarMy Acmunl yssipnmeM IsprevmaN (d appG¢IVIa) Guirad4g, without finsisGon, anY turdrzzo and rash advents transadlws you live avlhodzod, leave's d+a+ges, Lek paymeN lets, over fang lots, rehvmed chcdt lees, retained payrtrrutl tees, membership lees, wsh advano_ leas, barafet fees, mpyug durgts and any other Ices dsagod to your arazrnL Yau ut rcpo+rsrbk br Ij+ac amouraz wF.oY,vr they havo been Atciere! it U+e bore you reyueSl a cbsWt d Ure agznnl w they am incurred zubsagwM b yea repuol b dose B+c aaa'un[ This may msuq )n c)wrgos appeadrg on yoW aapunl alto you hone nqursled th acrnunl b be closed end, I U+e accstml has aUeady bean chse~f, dre ar~mm) wit be reopened ar fife leers stl fodh in eels AgmerrcM and fire Secudly AcmuN Assiprurre~,1 AgreenxN (d applitabk), For a:asn{sle, Y you adhodze a purchase Awn a mrmlrnrd and we remJvs Ne chage hum IM nlordsaN alkr yyuv account Ads bam deed, you aaawd well be rmptxd, Ilx nrtnuN d Uw dtage wiV De added b your aczacrnl and you wiY ba respDraLlc for peymeN unc4:r Uu krms d thk Agreement and pre Sacvriy Aaarxd Ass4nnenl Agrecmml (d :sppfrcabte). The merrrharship (C for ynW ac»rrnT wiH continue b be daged, to tlst esle:d pemtitled DY appGcaDk kw, unfit Ne ezslke a¢orud Whnrn eras been pats k lutl, as dasaibed above. Y the acmwrl k reopenW, a new mvrc6er:hip Ice wN be charyed b Use amouN a staled above. Y yo4 ~W es Usc primary wnDrddor, waN b larmvrak a plea aa<wntho'defs w an auUnrvsd usrls attest to Usa a®rrnL you meal otl nor Cusbrrcr RebGons dayirbnc 1 and nzzuesl Thal Iarmination. In+rcdiakly tl+erraUar, yw agreo b destroy Iha1 persons ord(s) and desbey any unused a~sunt amass chcdse in Avl person's possession Then may be a delay» Use elladne dale d Ne la+rniwtbn d Nat penoni averse to Ns a®rtnl TM aozxsM w~ be changd, and you and any,bbl atxYrwsUrddeus WJ be rasporur'6Ie, for any dtaq rs rnrougl, the use DI the and w the a~uM D1' IM joint arcounUolder a autltwized user deal oaaa pda fo the ugecfiua dale of Iht lemuratvn even Y Ure rtxges do nd appwr on Nc ermurd unW a later B<ro, U ynu are unabh b d~lroy the Jdnt a®unlhddars of aulwrizod usayt ®rd(s) or b drsbq tlru unused amwrrl a¢~s dred:s b Ual persons possession, and you raX our Ct¢tmm~r Relations OapaMUnl to dose )row a¢owsl Yorx e®ual wa be cbscd in aroselemx with the prttxdutg paragnptt EMn you arrNw Uw piN wNlrnkfer, i anY, maY ap-lY tw a cew a¢rouK Chanyse In Termc. We may add b, remove, amend or cltorgc ony pan a prwknn of feels Agreement utdudig the anwal poroenbpe mtr.(s) earl any d+arrgga, (ndud'eq add'erg new prbvrsiws ut Inc name a a dpcreM 7bm as Ux eaisfng pmuisrwss h thes RpntanreM) al any Ume. X we do so, vre wit give you aa5w d sorb am>rdnreN w change Y reQwred try Fcdtml law w Vuginka law (lo the ezuM nd pertnpkd by Federal Tzar) unless ors had pratMusly ndRed Ne crrzrnrl Iha1 Ute armrad vvarW be subjeG to such arrerdmanl or dwuge wIN»u! mfica, NoLce tril ba naBed b the last Agng address haTiralM in our records for the aQOUrrI Fiouevw, ro mrlrr wig to rnaiod U wa prcviousy had rrotil'red yw Ihel your acmtartuxukl be su6jecl to such amendment w charge vddwul nobca Changes b 1Fsa amswt pensnL ge mDr(s) wr9 apply b your cu;Arrg acezwnl bDlanct born IM e8edve dale d the dwga, whether of nN U+e aa~ml h>bnro UsdWes bansadbas hllyd Io the acrnurd before Ux drwryu trek and wltedrer o: rot you mnGnw b use Use arrnunL Cbargea b lees and Delver taigas vAX apply b your aQVUnl torte Ne efleaive da4 d the drarge. Govaming Law. WE MAKE THE DEC1510N TD GRANT CREOR, OPEN AN ACCOUNT AND ISSUE YOV A CREDIT CARD FROM DUR OFFICES 1N VIRGWIA. This Agrecrnenl K ID b zonslrued » aewrdance Yrtth and goremed by !ha lava of 17se UnBad Stales of Amsrk: and by Ne internal bore of Na CommorrwbalN o1 Vxxyyin4n without yiairq eNed [o any choke of law rub Nat would Doss Use appBeaUOn of the law: of anY )urlxdktlon othef Than Use saws of lfit Unwed Sbtoc of AmcdcD w Nc itlDma,l laws of the Commonwealth of Yupinia to Ura rights and du&c d IM paellas. This A recmeN is msd• in Vlrgtnla- h will lx rnm ony by Federal law enJ V~ylda law po the rzlenl not preempltd ~efcdenl IoW} U : eoud decide: nut to enlorra a pad of Nfe Agrnmerrt thrt AgmrrrrN will Uhen read as if Inc unerflorcaaDk a Invagd part wan rw{ Ihora, but Ne rerrulnlnp pads will remain in ellacl Wa"rears. You wzyve the igH b rec 9ve nofct of sny wsirru w datay or prrsenbttonl dpeursd, pmksl or dalaxrsr and anY dgN Tod troy have b requke ua b pressed epa'eet axtlsrr Airy 6e1we p~nn9g against yW. You also waive, b the eafenl pwmiUed by appfiobk bw, any sbade d IkNbtims W.knse br an addi6onnl pericd d Cvrto egwl to Ure appfiwbte Am~dons povizd. Lost w Slnkn Cards of Aeewrd Aeeeea Checks. If yow wed(s) a ocrnunt a~as drecks am Jai N stoke m i someone else may bt uzkg them w8hw1 your permkzbn, noly us at orae M wYa+g Ure INryMm moron' on tlx bad d your wed) oA w, I digwaN. Na ldephmc nwrrber slrow+r on the frwd d your pedotlk stakmenk, a by W us at Capful One, P.D, Boz 85775, R'rWrand, VA ZJ285-SQ75. You wN nd be Bade in any amoral for unaWrodui use of your cards a a®urd acrss dsed~ Yw agree b teP us al ors U you dingo ywr name, address, k:epMm rawnbor or empbymenL You ogres to pNe rrs wdtkn notice d eery Barge in yaw )>iMng addren al least 70 days betom Uw dungy Changes rnrnryay lp wri8on in dse rgact pmdtled on fix remlUan¢ coupon portion d your period"rc sbkmcnl a mry bra seM b Ile bNvsing addr~ Capibi Om. P,O. Boz BSO1S, Rchmmd, VA Z71BS 5015. It your a¢rotad is a joint a®um w Y more than me Perso7 's pcnninrd b tae tl yes agree Ural at rropces rgertArg the acmrrN may be aeN slay to Ii+e address afrown on our bifnsg rcvaNs. Communkaliona. We rr>ay mleaw ktlormaGon Io oficrs regarding the status or halrop of your accaurd es sal brth h be Capital Dne Prrvay Idotfm, a ropy d vdsirdr hen been pmvidrrd b yes. We may mehe inqu'vars d Nhd padics o wnnWlrat vdh ma»Eairrirp and mBecBrq youf ocmtad, e+d yet nutlrorize suds prhd parley b rebase irdonnaNron abDUl yet b t¢ We M our rep~eserrhl'rros may rndaq you Awe lirrre b Gore rvysrtfmg the aaoud. w b ask fa aMrdowl Marma6tm about you w your ezpcrivtce tviM Capital One Yob ogre Ura! sudt rnrdattr are not umafci(ed, arc rot farirlad exrapl as ezprszy required by aa~p~A1~aDle btr and envy ruuA konr contaq plfrorlfridat you have povided w 0a1 is obb'ned Jrrom outer sourtas. For ezantplc, we tiny coated you et your home w peace d erttpbymrtrl during weekends w hofdayt, on your nnblk leleplwne, vNcertral of atmvedng rnachkr4 and by emaA, laL rerofded rrcvsage, led message or pelsortal Yolk 6cmp( as rtslrkkd by appfirabb btr,, we may rmrtibr err record arty DAs we make a rerzive, svppmss ®per HenGfiaGon services end use an atdomatad dbpng and enmtXsdrg deNCe. ARBRRATA)N. PLEASE SEE ERCLOSED "ARBfTHATlOId PRDVISIDN: PLEASE NOTE 7NA7 THE YEARS INCLUDED IN THE ARB(T RATION PIXDkr15lDN ARE PART OF YOUR CUSTOHF1d AGREEMENT. ®2DD5 Capital One Services, (nc Captaf Ono k a Irtlenlly regiskred sen~ix msdc AA dgDis rt518nN..,,. gin.-... D3)6-17-L13D5 ARBITRATION AGREEMENT M-75733 IrvIPORTANT. THIS ARBITRATION PROVISION IS A PART OF YODR CUSTOMER AGREEMENT You and Kr: agree @aa! tilhn you or vre mzI•, v dJ+u pony's sde rte.-Jinn, squire dot zay Claim laz dcSnrG below) be rrsowtd by Dird+r+g aibihatior_ IF YOU DA WE ELECT AROITAATION DF A CLAIM, NEJTHER YOU NOR WF WIL,I NAVE 1NE RIGHT TD PURSUE THAT CLAIM IN LDUR7 OR BEFORE A JUDGE OR JURY OR TD PAA7ICIPASE IN A tIASS ALTIOH DA ANY OTHER CDLLEC7IVE UR REPAESEHTAi1VE PRULEEDING_ EXCEPT AS SET FORTH HFLDW, THE ARBITRATOR'S DECISION RILL HE FINAL AHD BIHDSNG, OTHER R16H7S THAT YOU WDULO HAVE tF YOU WE77T TD LDUR7, tNCLUDIIaG THE RIGHT TO [DHDULi DISGOVEAY OR TO APPEAL, MAY HE LIMITED DR UNAVAILABLE IN ARBIiT{ATSDN_ THE FEES ASSDLIATEO WITH ARBI7RATIOH MAY 0E HIGHER THAN THE FEFS ASSOCIATED W ITH COURT PRDCEEDlr1GS. Special bellnlllons for this Ar3lrralion Prorision_ Fa: Iha pP~rrposrs d Ibis afiidalion provision ('AsbihaBon Provisiou'} the lolivwkg ddhadion stall aDDy In zddihon b Bar detinifions set toM in yoW Cuslomu ApredneN ('Apreemenl")c "Chini meant arty dasTr, mralrovcrry u dispria of any kind a mWn Miween you and us. A TAis dclmition includes, rdlhdur limiralion, any Ltaim that in any way arise lrom or rrlarrs sty. • dx Ap«crreN and any of Hs bons (inGUding any prior agrn:mznls belvrcen yov:nd us u tetrattfl you and wary other enbly :tom wlirJa we acgrrireJ year accouN) • rots Ndlnfrorr Provlzlon (incn,ding whether any Luim is subject !o arbdnlion) - the ahbbshrrenL openbon or Irrmirution or yow zccdrrd - zrry dbdosures, airestartnerrrs prwmotlons a nthx mmrnl:nlalions rrJalinp lu yore a~uM, xdaelnry tMy ramnd bzlwe a abet your zauud Kas opened • any bansaclioM a ai~n,pud Irrrsxbons involving your a¢cuN - tray trllvag w wlWJions nuRes «Ialtng to yauracmwrt • ry pm-ar+gdhar~diorrz(inddinp feYnmh d'crctds)In youtz¢ouM - :ny po~z w swig chzrgrd m your accnurd - ury test.. inlaW or odav rhugts assessed to yow avoUnt a dace calCUlallyr • ary prodWs, settles rX bzndils programs «Ialyd In of orlucl in ~rr,nnrtNon KiN pour aaouM (ilacludinq any Iasutana, dLW can¢iIN{rn w eaimded serr.Ce conhacis and airy programs, rcWies, rewards. swrtpshirs, rrrnrbtrshlps, dseoutds tt co:rpora) whdher or not we odard, inbvdxed, sold rt provided roam - des raripl arQ a dbdosurt d any irdartntion sleet yw m yea acmuN - arty obw nudes rdal'vag to your aanarnl a your rehdonship wide us 8. This deRniaon afro inchrdes, znirAaU! IAnllalian. wary Claim - regardless d haw a when ii is brought (tor aartpk, as an inHlal claim cxnrndalrr4 cross-dzirR inlcykad irrp m drrtd-pzrry c'sim} - based on my drralY d relnzl a damages (induduag ma+eyq danapes and any tmm d sPecifie pertornurce m InjUrv_Sivc, declmzlory of dher equitable valet) - lased on am' merry d law or equity ttnduding ranha[f, tort, feud, consiilraion, slarWe, rcpulaliat mdinarare or monglul acts m omisslans d ryae, rdtelher nroltgenl. reddas rX Idmhonal) - node byyou ar Dy angone mantled ridh you a daiming :inouJh n hx you (treludaap a eD,appdQrd a audmized use or yar aam»I. your a4enl, ymrr rcpr6rMarire. your tit: m a vralez in hnakruplq) - la wMch ra rm?' !u Badly cr ind'eecily Ilabk urdrt arvy fire~ry Irrcludlnq r.~Meat supuiar or agercy (tear ii we ate scot propury Iamd ar fire box d+e Claim IS made} • rayw in cclstcree a Thai may arise in ine hrNrc, regardlessof Khan Ifie lads and imaanslarnas tNl Vne rise M der Gafm deurred a svtrm dIe Lhim accnad - made as paA d a Ban xban. pivak ari.mq general action, or omu aprrsenptrn fir mszxllve action vd+ich Clarm shall proerrl on an 4rdr+rduzl Bah as xl lodh come Iclly ir. this NbirraGon Pmvisran Arbilrnlion Adminisfrators_ pne o1 the Ioilowing arbitration adminishzkrs (-Adrrenislrabr- ar, cclM-ine!y, -Adrnin;slralari) wll: zdministar doe arbirr7.Irore JAMS 19ZD Mob 51., Sle. 3D0 Irvirs, LA926f< wwK.jarr¢adrersn Amerion Arbitrslion Assn 335 Madhan A~2_, Flom 1D tlzk Ydk NY 10017~p75 wrm.zdrorp National Arbibalion Foram P.D. Box 50141 Minnnpol6, Mat ss,Ds nvn.arbitrzlbn-Iorum.caTr Proscdvres and Law Appliwblo In Arhilnlion, This Arbprziian Provisio2 is made pursmM to a hansadion invdr'vg INcstxie camr,+~tt and shat? ba grnvmed by and en~uzbie ands iha frdc«I Nbivalicn Ad ph: 'FAA-). DvzsGonz about ,riadru any Lfa.m is :ubjcu Id arNhatt'on std'J be resdvzd by idupelirq UIS ArbidaGOn Provision b Ihz Waadesl over d be rsdmad, cons:slen[ with Uae FAA at,d ;tat terms d Bras ArbGrallon Provislon. ThE artiYnlcr vnp ap{dY sr.3siarabvt Ixs conirs:enl whh the FAA and apptlrzb4 51zAdcs d IirfaGons. INJi des vaG&y end erdorczmora of gray chss acEon waiav i3 a ourslion Ior a crrldt et cpmpettN puuisdlction nd zn arbibaiol. n, Sxlde. The arbiDa(pt may avurd arty dxmagrs d o~ihu rdiei parmllL•d try zppDabk sutbtentivr hw tbd will ni{ have yowu U «rizw h edcr¢aaliy m srvuzbil:y d the pLaprzJah'No Consol'mxdon d Jdndar M P:rGts; tdaw), but Ne award shag dahmuru Pa• rigMS sort obligzlions of mly doe corned Dzrfrs and ordy wBh resye!' to the Chimt in a:bidaben The rubs and procdwrs d 1M Admmksiralor, vAuch you rr+zy obtn hnm the AdminisUdw, shall gavsn the arbitratbn urJess :hey tonBel r~Jn 11as Arbunlwra Pmvision, m xtaids eve dais Arbirratinn Provision will apply The arbivdor vnN ndt bs bou»d by. and dds pfi~atron Provisim shall nd bs whjzd la, Ne ledrra~ stare ax Iocal rules nl prorxdurt and tviderw± Ihat would apply in any purl, a to slzk a local IzKT but relate to arbLzGon prcccetinps_ Yw or +n nay 'nave z Irr~ring in aPoi!nlion MIy arbitration hearlnq Bur ywr attend in pusan vid{ late plzce al a lonllon in the kderal jC•dic41 dssldd 11•a ircludrs your last-kno+vn bidirq add:esz tt al some oltzr port upm which you a-+d we aprrz. You rY r~r may be reyresentd by crunxl 5 you tt rrt rawest, the zrbilnlar ri,H honx chores of ptiwlzpe «sapriad und•J appll¢Dk Irv and wilt u:c best eHors to prekrJ cuntiderdiAl inlorrrolum Imcludlrrg Aaouoh the ust et potaDvz mtlcrs- The arbiua:m wlll make my aKdd In wrt&iq zed, al the limrly request oI either party, will provirk a vnillm shkmcd d reasmu Irc uro zrard Costs. The pzdy indidin9 arbNraAon wla pzy d+e INioi IIl'r+g ice. You nay scot a tniyer d lit: ndbal Fdinp ire a arty cl Uc Adndrirsbalu's odau Iles (crBrslively, 'Adndnismia4 Fes') undrt any appirrrbie rules of lh Adnimis4ata If you xek but do nd Walily Im. a waive, wr vriH cursidrs any wrilkn reqursl b/ you tar us to pay m rcinrbwst you br ail w part d pe Adrrorvslntm4 Fern. VJc also viH pzy or reirrtaurx you la a6 m pad of the AdmiristnlwY Fras B the arbilnlor dchtmints drat is good ruson for vs b do so, Ws will pry any lees and costs wt art rcoarirrl) to yzy Iry tear, Dtherwisr. and eacepl as moulded in IAb Aprttmml, you and we +rilt hav a6 of our resgedive secs and cosh (Indudlry dx AdmiNspalo(z Frs xrd Nc revs vrd cosh alapnq to Y:mraeys, apeAs andvrlnesses). regardless d Wf+o prmits. AI)oolion of Ig sad wits relailnq so a~a5 !n arbilnlion re l Dc handled M Ilr- same manneL Nn Coreolldabon or Joinder a1 Parlles. The atbivztion of any Chun marl proexd on m IrtdjvWrul isasjs_ even d)IV: Chhn hzs hero zssnlerl in a coon a a class action, Privalt adorney gerrral adiun m fifer ¢prrserCvive o: wlludve arhon. Unless all pzrrirs ransrslL rxrlhu you nor we may join, consolidab or ollv:rwise bring Cleans rekid to bra or rrwre a¢ourds, indhdduals or aeeowxlwlders in the sanx abUalioR Also, urdesr_ all pzrlies tTxtrrL ncifhu you nor wt mry pwsue a chss zd!m. pirate zdortey genual ac!ibn d nose rcpesrnhtive a collxtivt action in arbllnbma, nrr may you or we pursrx: susfi actions N CoUA II arryy paM has el¢led arbNi albn_Yw vnTl rapt hire Ile rlgM to zct u z Bas repres:ntai'ne a pzdicipak as a mamba of a clan o1 cSi~rds with raped (o any C>aim as la which arbilr:rion has brzn e1eeM. Judgment, Enlorcamtnl, Finality and Appeal- The arbibalrr5 decision wHl ba teal and bindng aBa lillern days unless you or m s~k an appal ~ the award dY mding a wriHm request to IM Adirmomalor. The appeal Dared, whidr vrrll consist d Ihrtxarbpralors, wit mmidcr zH hcluai and legal issues mew, wiD eandurJ Ik zpp¢I in drc ome manna as the lndbl arb8nfial and ;rill woke dedsiorrs based cn the rrt d stet majwily The yamfs deers tan vrirl he final and Dlndnag. Any final keis'ton d the arb)tnirc m d Inc appeal pond is zubjecl to judicrar KrimY Mly as sd IoM undo U't FAA An award in artrihdllan K7II ba enbrenWe umJU tM FAA by arty sour{ having judseictrtn. Miscnilancovs, Waivei SevtrabilltY, Surrrral. N yw or we do ref zktl arbHr~im m olMrrise mlm4 Ods Nbivatlma Provisos= in rmncu'ran wdh stay FaricAar Lbim, you or tK KiN nd wehe any rignis b rcgi:re arbitradon rn rxmnedion vrifh Ihrl tt ary odrar Llzirn this ArbflnSoR %mision shall wrvir[ () srzspenslon, luminzll^rr, rev-.,oiimL dosrn a dszmc d Nr'6AgrevncnL your acwunl and yea «taHmstrip wrM ra; (u) fire Wnkrl rniq m iraolvurry d arty party, and (iH)arry haraskr of yam arrcunl, tt arty amounts v+:sd on your z¢aunl to any olhd pttson m eddy II arty portion of Ibis Mtd:ratno Farrsion e deemed InveRd m unmhacca MC Rrr¢Pdfig porlloru d Ihla AfoNral"ton Provhian shah rrvtr7rekss rrurahr valid and fn loan. In Ihn cued or a caA1id w inconsL'Irtrsy bdwren N'a ArbHradon Provision and Bar sprat pmvislans of IMs Aprrtmn£ of any prier apremrn[. IMs Arbdrllon Provision sle6 pWem A phdacopy m dher image of Iha Agrcerrerd arrd rdaled dracmenis cosy be used in place d the originals Id xn pplpat6 ir>dtarnp rnwban. Yau mry mnbd arty d the Ad~rirdslraiors to obizin irdormefiora ~ ZOD3 Capilzt Drc Serv'aes. Inc. Capdal Dne is a lederally reptsrued shwa zrbllrzlian. arbilrallon odes tract pnrsdurrs, Ice schrdalrs and scvrrzs mark. All rlpfis reserved ch~a lorrtss Election and Inlialivn o! Arbitration. Yw or ere tray tlrl arbdrapon under psis ArDnnllon PrcAsloa wryh raped la ate! ClzJdt asst B the Llzbn Is paC d z lxvnuh brotryld in evert Yw m vr_ may mate a mdbn m reGust in spurt io wlryd ardTn[ion d utr' Lhim trovghl az part d any IzvrsulL We waTi not Batt or INIINe arbgralion d try Ci<imbrwolu n z sma6 dzirra toed Inv rbc tgvivzlcit), so long u the Claim rrnrdns in Thal cwA. a Ined[ sdrly onb[ha11 d an indlrAltd or jornl arrrn~r! halaN and is nd mzde a paA d a cFass action, privslc anuney grnenl action or olhv rtDresennrlve or wtl¢rive acJimt Yon aM ere must totlow Ihz octet d the Adniristntars la inffi'z!e zrM;rstlal II yoo initiate ubNzlian, yad Buy rheose one of Bx Afininlstrdars, and you misl rml us zrry nnbee regtrired try the Admidslnlm In P.D_ Box 85556, R'rdvrord. VA 2326a-5550. C +ce blifrzle arbilr<6on, we vdll dreox ova d rte: Adminisirasxs, and wt ne:{ maR yon aw/ natirt reduirrd by the Admetislria Ih yw lasi~aaorn biplnp addtcis. A x2 eve I Hdd zrbiUa:ttl, xs' viA change dte AdmirdSlratar at yam RgUPS! H yad mldy ra in vrrdibp at the above address arillain lilkni days of the dale d arrf ncbtt vrt send you or oaa inhisgon d arb'dz1'sm f First 3 months half-price 97* a rrronth; ~fT~feetter SIGN UP TODAY: ' 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade AccountSumm Previous Balance 5,00 Payments, Credits and Adjustments 5.00 Tranrattions 57pp,00 Finance Chages 5,00 New Balance 5700,00 Minimum Amovnt Due E21.00 Payment Due Date September 18, 2004 Total Credit Line E2,000 Total Available Credit 51,300.00 Credit Line for Cash 52,000 Available Credit for Cash E 1,300.00 At your service To call Customer Reletiona or to report a lost or stolen cud: 1-800-955-7070 Send payments to: Send inquiries to: .4tm: Remittanm Proccuing Capital One Service Capital One Services P.V. Box 85147 P.O. Box SSO1S Richmond, V.4 27176 Richmond, VA 27285-5015 PLATINUM VISA ACCOUNT 4862-3624-6701-1626 JUL 20 -AUC 19, 2004 Page I of 1 Payments, Credits and Adjustments Trmisactiotts 18 AUC SPECL4L TRANSFER PROVIDL4N E70o.o0 Finance Charges Please ret reverJe ride jor important information Bar ratr Prri~rir c ~dae FINANCE ~ .~pr dto r~r PR ~I~AIjGE ~ PURCHASES 5.00 .02438M',P 8.9096 5.00 CASH 3.00 .05425MiP 19.9094 5.00 SPECL4L TR4NSFERS 345.16 .000004, .0094 5.00 ANNUAL PERCENTAGE RATE applied th'vc period O.OOWo PLEASE RETURN PORTION BELOW WfTH PAYMENT ~~~~ 0000000 0 4862362467011626 19 0700000000000021008 New Balance 5700.00 Min'unum Amount Dve ;21,00 Payment Due Date Sepcember 18, 2004 Total enclosed E Account Number: 4862-3624-6701-1626 Peisrrprint mari~rg addrru a>r~ r-maifr) adrr br(Kn wing bita~orbiark inF. So-eeo .Apt A uy Sue ZIP Home Phone Alcemace Phone Aaar~a Capital One Bank P.O. Box 85147 ~n~t~n~t~t~~nn~t~~ ~ #9023386750064484# MAIL ID NUMBER ~~~~~(~ ~ JUSTIN G WEARY u __ 19 TRINE AVENUE Richmond, VA 23276 ~ MT HOLLY SPGS PA 17065 ~~ ~n~t~u~~m~tj~ut~t~~nj~ut~~m~junu~~t~uj~rn~~u~t~ ~ Pleare write yow arzaant number on your rl~erk or monry order madepayable to Capital O~k and m ~ in the enJaed enveape. peoplepc~~ online ~ Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email 9lirus Protection Pop-Up Blockerr"^ Spam Controls Smart Dialer `~:j Phisher Security C~ Internet CaII Waiting peoplepc~M online ~ Abetter way to Internet. JUSTIN G WEARY 19 TRIN AVENU PA~~' ~ ~ D INTERNET ACCESS SIGN UP TODAY: 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade Service not available in all areas. Access lees, fazes, and other fees a.nd restrictions may apply. Telephone toll charges may appy, even during trial periods. You are responsible fa determining whether a cell to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeoplePC's disaetbn. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. ® 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. ®2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 O ~i N PeoplePC is solety responsible fa this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any produc: a service shown here. Any trademarks mentioned herein are solety owned by the respective entity. All rights reserved. By responding to this alley you may be communicating information about yoasetl to the company that provides this product -for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at 84.97 a month; $9.95 a month thereafter. Offer available to new diakup subscribers at least 18 years of age and mtly not be redeemed with any other offer. Ofler subject to change at any time. Phone technical support available for $1.95 per minute. Fa questions, call toll-free at 1-877-778-1207. ppoedock rate. Te obtain the averege daily helerxx for the billing pedod coverall bV this statement, vrc fake the txgiming halerx:e of each sgnmt each day, add any now transactions to earn sepnent, and stmrect any payments or credts. (If the code N eppeare en the (rant of this sretemem octet to'Balaroe Rate Applied Tv," we dso suMract any unpaid finance darge included in the balance of each s gnent.} This gives w the daily balance o1 each segment. TTten we add up ell the daily balencea for each 9egitent for the tllling pedod anti dvide by the renal rxsnber o1 days in the tiling pedod. TMs gives us the 3. Amrapger daily balance of earn se(#nent. osllapa Rotas fAl'it6 e. The term 'Annual Peroentage Rate' may appear as 'APR" en the fran of Ws stetemem. b. If the code P 1Pdme1, L (3-mo. LIBOR), C (Certificate of Deposit), or 8 (Benkcerd Prime) eppeare en the from of Mis natemem next to the periodc corals), the pedadc rates end correspondng ANNUAL PERCENTAGE RATES may very quanedy and may increase or decrease based en the stated ktdices, 89 ford rn The Wet! Sbeet Jrarunel, plus the margin previady dsdoaed to you. These chsnges wIN be effective en the flret tlay of your tllling pedod ooverod by your pedodc statement erring in the meniha January, April, July and October. c. If the code D (Pdme), F 11-mo. LIBOR) or G 13-mo. IBOR Repdoed MentNy) appears en the from of your natement rext to the periodic rate(s), the periodc rate and corresponding ANNUAL PERCENTAGE RATES may vary momNy end may increase or decrees based m the stated indcea, as found in The Wall Szreet Joumel, pltts the margin preNOUfiy dslosd to you. These charges will be etfecdw on the first day of your tlaing periotl ch momh. 4. Assmntarrt of Lab, Ovarrinit anal RaGanlad P'aynnarrt Fsr. your account will be sassed ro more than two of the fees listed here that occur during any billing pedod. Untler the terms of your customer agreement, we msrve the right to e m rot to assns any tees vnthotn prior rotificatien to f es at easier time9 our tight to asses the same or fimilar 5.i'ftvtawYp Vw Aaoova. If a menabersNp fee ppeare en the Trent of this statement, you have 30 days from the date this statement was mailed to you to avdd paying the fee or to have such fee credted to you if you caned your account. During this period, You may Celtinue 10 U98 you( eCCOlllt without having 10 pay ihC memberdtip fee. To caned your accetnt, you must notify us by calling our Customer Relatima Depenment ant pay yyoour "New Balance" in hYl (excludng the membereNp fee) prior to the end of the ditty-day pedod. 8. If You Cbaa Parr Avaera. You can request to close your account by calling r Ctmtomer Reletiora Depenment. You must destroy your credit rills) nil arrant access dacka, cancel ell preeuthorized billing, and cease using your arrant. If you do rot cancel preatmhorized tllling arrangements, we will confider receipt of a charge your amMrixation to reopen Vour account. Additionally, your accotm will rot be dosed until you pay ell amounts you owo us iroludng: any tmrtsdiore you hew outharized, firomc charges, post due fees, owdimit fees, returned poymmt fees, cash advance fees and any ether fees essessd to your corm. You are resporeitle for these amatnts whether they appear en your account at me time you request to cloy the account or they ere incurred subsequent to yhwf request to close tree aceant. TMs may result in c g ppeenng en your account alien you have your accent if it hoe already barn dosed. For example. rf you eudarizod a porches from a mcrtlarn ord vw receive the treranctien from the merdam after yatr cceurt has been dosed, Vour ecarnt will be reopened. da amwtt of tfa charge will be atlrletl to your secant, ant you vdN bo responsible for payment. If them is a membership ice for your arrant, the foe wiN contkxa m lx dtergetl, to [he oxtmt pemitted by law, uuil the accoutt balance has been paid n full es deflrod above. 7. llafrg Vw Aeooud.Vw card or account carrot be used in anrac[ion with any intomet gambling [reraecdaa. S. Wotios Abe[ Elea6ortk dravk Carwan6n. When you provide a dteck as peynoerrt, you suthorize us tither ro use infomredm from yw clack m make a onetime dectroric ford trerafer from yw bank eccarrtt or to procea die traymem as a dock traraectien. When vw use infomtatan iron yw dock to make an dedrortic ftnd [rorofer, (ably may be vvithdrewn from your bank errant ea soot ea tla same day vw receive your peynant, end you will rot receive your dock back fmm your finendal ireti[urian. BILLING RIGNTS SUMMARY (In Case Of Ertore Or Questions Alwut Vvur Bilg R you think spur bill is wrong, a Ii yw neetl more Iniomtetion m a trermdlen or bill, write to us en a aeperate sheet as soon as po itle at the address for inquiries shown en the Trent of this natement. We mull hear from you ro later then 80 de after vw seen you the firer bill en wfiich the error or problem appeared. you can call our Cusomer Rdedons number, but doing so vviN not presrve your dgMS. m your letter, give to the fdlovving dormafim: your name eM accent number, the ddlar amount of the suspected error, a descripti 1 the crtor and en e~lanatien, if posfitle, of why you behove thane is n error; or if you nod more information, a descriptien of the item you are ensure aban. you tlo rot ha vc to pay any nmant In quenien whNe vee arc Investigating it, but you re still otlig fed to pay the pons of your bill than arc rot in question. Nhil we investigate your question, we carrot capon you as. del nquent or take any scrim Io cdlect the amount you quesden. t,t Special Fkle For Cradt Card Purchases It you haw a problom with the polity of property or srv5ces that you purchased with a credt card end yon haw tried M good faith to cenect the problem with the merchant, you may raw the right rat to pay the remaidng arrant due en the p ny or entree. Vou hew this protection only when the purtlas price was more than 950.00 end the porches was made in your hone Hale or within 100 miles of your mailing addrea. flf we own or operate the merchant, or if vw mailed you the adwttiaemmt for the property or srvicea, all purchase are cowrad regerdas of amoum or location of ponchos.) Please remmther to sign all correapaderoe. t Goes not apply to consumer roncrzdl7 cord accounts S Does rot eop/y to business non-dedil coN accounts sappons informaden privacy praectien: sea our www.capfalme.com. 'is a feoddee ally raagqineretl service mark of Capkal ial Coryoratien. FUI rigMa reserved. 0 2003 01LGLBAK t a. Graoa Period, you will ha awrYaa mirimun grace period o} 25 dogs witfaut finance dterge en row purdasa, row balance trarofere, new special purdvaa and new Other n~lancfa~w'rM tl ~I r rtairn Notlce forte ' in end in time for h to be c~redtod b PoYmerns ~~~ y your next statemern doling date. There is ro grace pedod en cash adverxxs on oosnpetarareaodtrarefen. In atldtbn, them is m grece period y you do rot pay the total "New balattce." b. Aoquag iiraaa Chags, Trareactivro vdtidt am not subfect to n grace period a assessed flrorxa charge 1) from the date of [he treraaactien or 2) from the data [M tremactim is processed to yw Arrant or 3) from the first celeMer day of the wrrertt biNirg period. Additionally, if you till rot pay the 'New Balance" from the previous tllling period in fill, finance drergea cordraae to aoerue to yyoouur tryaaid belerae tmN the upaid balame is paid in h11. T)tis meara that you may still owe finance darpes, even if you pay the errore New Balance indrated en the front of your statemem by the ron naternant dodrq date, tut ad not do ao for the prevlea marsh. Unpaid flrarae tioarga added to the a cede aepnera of yw Acoant. t c. MNnarn Fkrwa ~. For each tlllirg pedod that your acmnt is erbJect to a ikartce theq)e, a mHmun torol FINANCE I~fARGE of 80.60 will be Otrpasd. M the ford flrartce titsrye resrldrq from the applkadm of your periodc rate(s) is lea than 80.50, vee will stbtrett trot ocrtt from the 80.50 mHmtm ant rite dfferetre will be biNed to the purdtesa agnem of your accent. t d. Tanparary Radtretion it Fnanw Clrarga. We reserve the riya to rot aaea any or all firerae dargea for any given billing pedod 2. Avaraga Daly Balms IlndWiry Nsw Hrahasasl. a. Rrorae charge is calaleted y mdtiplying the daily balance of each segment of your accent (e.g., rash dvarae, ponchos, spedd trerefer, and spode) purthasl by tfa rbrrvspedrg dilly pedodc rete(s) that has beet proNocaly dsdoaed ro you. At the end of eadt soy during the billing pedod, wo apply the dilly periodc rote for each segnera of your secant [o the daily bdarae of each aepnent. Then at the end of the burg pedod, wre add w the msdta of rhea daily celaiatiore to erriw at your peritxic fimrce charge for ear3r segmem. We add tp tM results from acri segnent t0 arrive at the total periodc firorae large for your accent. To get the doily balance for aadt segment of your accent, we take the begimirg balance for alt segment end acW any row trereactiore end any periodc finance Varga celcJated en da previaa day's balarae for that sgnoant. We don aWtrect any payments or credts pasted a of that day riot are albcated to that segmom. This gives us the saperato daily bdarre for eah segment of your ocean[. However, if you paid fhe New Balance shown en your previotr3 statemers in hJ if your raw bdanae was zero or a credt amara), raw traaactiaa vvftidt post to yar pandas or aPedd ~Iculate xhe~a~ a doll bslance bthe~lV bdencos. We balances t ~ Y Y ng all tfa doily ogether ant dvidrg the sun by rte camber of the days ht the arrant biNkq yds. To ralWate your tad finance dtarge, raltidY Vour average deNV bdaae bV the daily pedodc rate and by tfa umber of days in thn bilNng pe' Due ro rooting en a daNy basis, there may be a aNgh[ wrianae between this ralaaadm and 21a amen[ of flnanxx; large actueNy asseaed. b. If the code Z o N appeam m tla irmt of Wa statement roe to "Balance Rate Applied To," wa mdtiply the Irrpatantt Nsliw: Paymema you mail to us will be credtad to your sawn es vi tra budrase day we recdw k, provided (i) you cord Ne bottom portion of tNS statemem and your deck In the endaaetl remittance enwlape and 12) your peymem is recdvod in our pp ocesskg curter by 3 p.m. ET (12 noon PT). Pleas allow at least flue (5) Iusiraaa days for postal Oeliwry. Peymenta received by ua at any other locatien or In any other forth may not ba credted as of the de we recdw them. Our badness days are Monday throtrph Seturtlay, exdudrp htdidaya. Please rb rat ttse staples, paper dips etc. when prepsrirg your payment. When you ant us a crack(s), you authorize us tv make cone-uma doctroric tranator debit iron ywr bank accem for the amain of the check ATMs auttwrizativn apples to all checks recaved during the billing cycle even if sent by sameaa rise. If vw cannot procea the trerafer, you authorize us to make a crarge agdnst your bank accerart udrq the check, a paper drab or other keen. ` First 3 months half-price 97* a month; Aeatter SIGN UP TODAY! ' 1-877-778-7 207 Mention Offer Code: JADE Or visit www.peoplepacom/go/jade ons peoplepc~~ online ~ Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! Email Vlrus Protection Pop-Up BlockerT"^ `~ Spam Controls Smart Dialer `gip Phisher Security '~,~^ Internet Call Waiting Capi~jg- Account Stunmary- Pretiovs Balance E.00 Pa}'ments, Credits and Adjustments 5.00 Transactions 5700.170 Finance Charges 5.00 New Balance 5700.00 Minimum Amount Due 521.110 Payment Due Dale September 18, 2004 Tonal Credit Line E2,(x)i) Total Available Credit 3.,300.00 Credir Line }'or Cash 52,000 .4vai}able Credit for Cash E 1,300.00 At your seance To call Customer Relations or to xport s lost „r stolen avd: 1-800-951-7070 Send }ayments to: Send utquiria to: .4tm: Remittan« Pr;n~sing Capita] One Servioes Ca~u] One Servim P.O. Box 85147 P.O. Box 55015 Ri:Lm~;nd, V.4 732?G Ri.~hmond. VA 23255-5015 PLATINUM VISA.4000UNT 4862-3624-6701-1626 JUL zo - wUC t9, zot>4 Page 1 of 1 Payments, Credits and Adjustments Trmsactious 18 AL1C SPECL4L TRANSFER PROVIDL4N f7ck].iNl Finance Charges PleareJrt revnretide jor imyartanr injmmation a B 1 rc rarr P.wia:7u Connp~r dr'n 8 y~.7µ1~1 ~~~ m applirdro m ratr APR l,ril ~ PURCHASES 5.00 .024384;P 3.409E 5.00 CASH 5.00 .05425ex,P 74,SD% 5.00 SPECL4L TR4NSFERS 545.16 .00ooo9~b .OO'k s.oo ANNUAL P):RC):NTAG); RATI: applied this period 0.009'0 PLEASE RETURN PORTION BELOW WITH PAYMENT Capita 7e 0000000 0 4862362467011626 19 07000000(10000021008 New Balance E700.W Minimum .4moum Due E21.00 Paymem Due Date September 18, 2004 Tonal enclosed - E Account Number: 4862-3624-6701-1626 P,>arr~at ma;;r.8 ~afrn...mya..-na~t.ti~,fi•, P.d~r:, w;nr P;a.• err P,•.na ;ak Sweet Ape I City Sme ZIP Home Phone Pl~em.n PMne ~~ - Em:iL Addte~ #9023366750064484# MAIL ID NUMBER ~--EXHIBIT Capital One Bank JUSTIN G WEARY P.O. Hox 85147 ~n~t~n~t~t~~nn~i~~ 19 TRINE AVENUE Richmond, VA 23276 ~ MT HOLLY SPGS PA 17065 ~u~t~u~~nt~t~~ut~t~~n~~nt~~ni~~nuu~~t~n~~~n~~u~t~ o - ~ ~ ~ r~ Pleare write your arrounf numbrr on our rberk or mor order made a able to Ca i;al O~k and n ~/ in the rnrlered rnvelo v '9' Py P 1' peoplepc~a online ~ Abetter way to Internet. JUSTIN G WEARY 19 TRINE AVENUE PAf~V11TED INTERNET ACCESS SIGNQUP TODAYQ 1~H~~~~78~~ 2O? Mention Offer Code: JADE Or visit www.peoplepc.com/goljade 8 O O O rn N PeoplePC is soley responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product .x service shown here. Any trademarks mentioned herein are soky owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating inOrmation about yourself to the company That provides this product -for exempt=, that you are a Capital One customer. 'PeoplePC Online: first 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Otter subject to change al any time. Phone technical support available (or $7.95 per minute. For questbns, call toll-free at 1-877-778-1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible fa determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times o1 peak usage. Dial-up numbers may be changed at PeoplePCS dixrelion. Continuous use subject to timeout procedures. All use Is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. b 2006 PeoplePC Inc. Afl Rights Reserved. PeoplePC Online and its luyos are registered trademarks of PeoplePC in the U.S. and other countries. b 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. ppoorodc rate. To obtain the Dwr;pc daay hnlancc for the billing period covered bV this stnrn,mt, we take tfa beginrirq balnnce of each xp„mt each daV. add any raw trattsactiore to each xgntanf, and stmroce anV PaVmcnts or crcdn. ill rho code N apppan an thD irant of this slntcment next to "Onlance Rata ApdiM To,' we alx stbnact any trpDid finance charge included in the balarac of each sego t.l TNS eves us the daily balance of enG1 xgment. Tian, we add W dl the daily balnroes for each segnent for era billing period and dvide by the tad nwnbcr of days in Ira bNling period. TMs gives tr the average daily Wlanco 01 oadl xgmrnl. 3. AmuW Pereereags Rotas IAPRL a. The term "Amual Percentage Rete' may appear as 'APR' on rho front of this atmomont. b. If the code P (Prime, L i&mo. LIDOR), C ICenifiwtc of Deposit), or S IBankcard Prima) appears on the front of tNS antomatt next to the perodc ratnlsl, tla periodc rates ant corrDaPOrxing ANNUAL PERCEMAGE RATES may vory quonedy and moy irorcax or docrcax WsN an the stnM index, as lard M The WaU Strecf Jorurxl, ern the margn ppreviady dsdosod to you. Thex desrtgca wIN be affemiw an tla first day of your billing period coveratl by your peao6c slatertwnt en6ng in the monlha Jarwary, Apd, JWy and October. c. 11 the code D (Prime), F Il-mo. LIBOR) or G (3-mo. LIBOR Repricod MontMy) appcara an the irml of your atsurment rext to Ire pedodc rate(s), tla periafc rates and correspa,drtq ANNUAL PEACENfAGE RATES may vory nantNy and may incrcax a deereax Wsod an the slated irpicn, as found in The Waf! SrraM Journal, pus ifs marpn proviaxly dxloxd to you. Thex chartgcs will bo effective on the first day of your billing period each month. 4. Assessment W Late, 6Ver1'n8 acrd RWaned Paymerp Fees. Your accent will be asxssod ro more than two of the tees listod here that ocwr Mrrirp Any Nlling period. Under the terms 01 your custm,cr agrccment, we rexrw the light to waive or rot to aascss ony fees witfaut prior notification to YW Without Waiving Our right IC aexea 1110 San1C or sintilal IpC$ al a IatCr dn1C. 5.tReraweq Y Aaaprr[. If a membership fee oppcam m the front o1 this stmcmcm, you hove 30 dori from tie data this statement w mailed to you to avoid paying rho tee or to have sucltolm ercdited to you if you cancel your octant. Durirp tbla period, you may contiae to use your account vdthout having to PaY the mcmbcnhip 1ec. To caned your occam, you must ratify rn by tolling our Customer Relations DDpanmant acrd Day yyour "New Balnncc' in hll (exdtrdnp the memboraNp tee) prior to the end of the tNny-day period. 6. H Yw Cbae You Aeeeun. You can request ID lox D~openmonl.tVoyu mllusgdcatmy yourpc aNt tcardls) and attotnt Dcccsa d,ccka, carol all pmaulhodzcd Nlling, ant ccax uair,0 your accent. If yes, do not cared prcatnhorizod Nlling arronpcmcnts, we vriN consider reeler of a charpD your aurhorizolim to rcoprn your octant. Additionally, your acCOlnl will rot be doxd until you pay oil amounts you owe ua irdudng: any trareactions you how aufarized, tinorx:c ctargos, Pnst due foes, owriimit face, caromed payment fCC3, Cash advance fees oM any other tees assessed to your accent. You arc respaxrdc for mere omann whether they appear m your accotnt at the time you regtaat to clox IhC occamt or they rare incurred subspgtant to yaw request to dose the account. TMs may resdl in charges appearing an your aeCOtnt after you law your accent if it has nlreDdy been dosed. For examdc. if you nudarizai a purd,ax fran D mcrclant and we rcceiw [Ix: trarenmim from thD mcrtlan[ nfrcr you ocrourp bras hca, dosed, your octant will be rcopcrad, des omttrn[ of [M d,orgD wiN bD Ddded to your accam, oral yar will bD msponablc for paymom. If thcrc is o manbcrsND Frn for yaw der-an[, do fee will contituc m be tlargM, to the extrnt pcm,ined by taw, until the tx0lnt Wlar,ec has boon paid in hDl as definol above. 7. Uaktg Yar Aeaor.p.VOUr card or account cannot be teed in correction wIm Dny intemet gambling vareacllor,s. 8. Natbe AWtt Oaarwtie Greek Caweracn. Whop You provide a deck as payment, you authorize trs dater to rrx infomtotion flan yar lack m makes o oa-[tent decermie fend trarefer from yaw bank accent or to process the payment as o dark [rmm~mion. Whop we IdL• information from yar dark [o make an doctroNc fta,d trorator, fn,ds moy be wi[hdrawn tran your bank accaax as noon as the xmo day wt receive your payrrttxp, nal you will rot rocdw your tl,ock tack from your froaiDl irtsd[udm. BIWNG RIGHTS SUMMARY fk, Cox Of Erron Or Otastions Aban Yaw Bill) If you INnk your NII is wrarq, a i1 yes, recd mac infomtatim on a uarxactlm or NII, write ro us an n separate sheet as soon as possible a[ the address for 'nqui'es atevm on the 1 t of this stnrnlcnt. We must hear tram vat ro later then GO days ofer wD sera yw the firer Nu on wNCh the enor or problem appcarcd. Yw ran cdl Wr Gtm[anpr Rdallax r111n1bCr, but ddng x will rot prcxrw yowl' rgms. In your letter, give us the idlowing intomatian: trout tame rand accent number, rte ddlar ant o1 tM: suspected error, a description o1 the enor ant an exdanatian, it possible, 01 wny you btlicw there is an error; or n' you rlocd more infomatian, a dexriptim of the item you ore ts,aure nbart. You M rat have to pay any nmwm in glesiia, wNlc we ram inwstigmillg it, Ixn Yau arc still oblig:Hed to pnV IhC pons of your NII Ihni a wl In qucsuon. yyhilc we inwsligatc yea yucsrion, wcrcarwat reporl you as ddingtxnl or Take any action to collect the amount You question. s,t Spedel FA1e trot Credt Card Purchases 11 you have a problrn, with the qudity of property or xMcea that you purolased with a credt card and yvD haw triDd in good faith to cancer IhC problem with IM merchant, you may haw the right rot to pay tM remaining amanl due cn tie properly or xrvices. You have IMs protecNOn only when the puchax Dnce was more IMn 950.00 and the purtlax was made in your fame state or within 100 miles o1 your mailirq addross, flf we own or operate the mcrcham, or it we mailed Var the adwnisanem tot the PropenV or servicos, all purchases arc covered ragordeaa of amant or location of puchax.) Pleax remcatl6ar to sign all correspondence. t foes rro! apply to mnsumcr non-cr~'1 rant accounts 3 foes not sop/y to business romucdf carO accnrmn CaVtal One supports iniormatian VrivacY Protection: sea err weDSite at www.cadtalone.can. Captal Une is a federally r 'sand xrvica mark of Capital Cho nrertdal Coryoratian. Ali rghs reserved. c zoos Capital Une UILGLBAK t ntrxa Poiad~Vw will hawga mirimtnt grace period of 25 dari vrithart firorps dtargc m new purdaxs, row Dnlartcp trartsfcro, row spednl purchosGS and row arbor largos if you paY Vour [oral 'NDw balareD', in axortareD with d,c knptlnan[ Notix for paymorps blow, nrcl in tine for i[ to be creditod Dy your next stceemen[ dosing d m. Them ro ro grox periotl on cash aawrpxg ant spell [rnrafers. In addtion, them is ro grax period on any [roroae[ion if you do rot pny tM mrd "New balarps." D. Aoo[si,g Fkana Charge. Tronsactians wNd, am not stbjod to a grnro paktd aro nsaasscd RreraD dargD t) fran the Bete of the uaruecdm a 2) from d,e date the tronsottion is proceaard to you Accent or ~) fran the first ralaWar daY of [I,e arment NINrp period. Add[iorelly, if you did rat pay the "NCw Odarro from me Prcviaa NNing perod in fill, firerps d,Drgos Cmdrarc to attract to your trtpaid bdartw until Qe tryaid balance is paid in hll. TNS moans fret you mayy s[iN owe firor,cc largos, even if You DaY the ondrc Now BDIDnCO irdira[od Ixt rite front of your statontorx Dy tie next s[a[onant dosing da[o, Du drd rot 0o x for the Proviax morph. Urtpdd M1rertrs dvargos aro added to the appiraNo xgrront of your Arson[. t c. Maiaum Fktartw Glarge. For each aping period that you accaap IS stbiect to a fnaaa large, n feel RNANCE t7-Ia.RGE of x0.50 wHl be knpaspd. If the fast Rrter,ce charge restating from the apdiudat of yWwr pcrodc rate(s) is rev flan 50.50, we will st6trom ttatr amatm Fran eta 50.50 mirirlwtt oral the dffcrerrs will be NllDd to il,e plrrd,ox xgna,t of you ocean[. t d. Tenparary Rerkrction in F'nanee (riarga. We reserve tla rfyp [o rte asxss any or aN firertcc d,arges for ony given NIRrq poriod 2. Average DaNy Balance Ikwksd"rtg New Pudawal. a. Hrerec charge is calNatcd by mWdplying the drily balarac of odd, sogmont of your accoux (e. g., rash Ddvarao, purdax, spcdal [rorafcr, and apcrinl purchoxl by rite corn. »n6ng daily pcaoric m[p(s) dot has ban praviasly dsdoxd [o yar. At tM cr,d of cad, day tluring the NNing period, we apply tie daNy perodc rota for pads sepnent of ya,r octant to the sally balartrs of each sopnom. Then at des a,d of the NNing period, we ndtl tp the rcaits of a,caD doily ralWatiore w arrive at your periodic finance charge for cant sagnem. We odd up the main fran cad, sopnent to arrive at tie tceal poriafc firartee tlmrye is ywr atcan[. To get the aaNV Doloroo for Dori sepnrxp of your olsam, we rake dtc bopn,ing WWmc for cad, sogmmt and odd any new trareactiare arld Drry pcriafic fuartco G,Drge CalalD[Ctl on tle prcvios say s bdalcc for tlat soptaont. We [hen subtrotx Dray paymmn or cnxin posed as of that tloy eat am aNOCated ro tfa[ sDpnant. Thin ayes na fro acpiron away odante for calf xynant of your aaant. However, if you ptia thD IacWr Bdatxx sravn m yax PlCWas sntcmont In full (or if ya,r new bakrncD was zero or a credt amanO, row traaactiaro wt,id, post to your purchase or special purdax se0ltonts are rot ended [o des daily bdaraos. WD calcWato the awrogc daNy bdancD by addrtg oN des daily Wlancos together and dvidrq the sett by tM nntbcr of the dove in LhC arnax Ditling cydo. To edatlata your tad firencc d,Drga, mWtidY Vwr average daily balnrra bV tfa doily po'af~ rote oral by the nmbcr of days in thD Nlirg pcriotl. DuD to rolnrirq on a rily basis, MDm may bD D slight vadar,tx botwcon this cDleulmlal and the antaw,t of Nrettcc dlorgD actually Dsa •d. b. If the cads Z or N appears on the from of tMa satement roe b "Balnrcc Roto Apptiod To,- wa mWtiply the 63096P Irrportap Notice: Payrrrems you mall to w trill be aeditatl to your accent as of itte business day we racalw it, providetl (1) you send the Donam poNtn of rids satemem and your deck in the erwlosed reminance envelope ant 12) your Paymem is recdved In our ocessing caner by 3 p.m. LT 112 wort PT). Pleax allow at least Nw (5) business days tar postal delivery. Paymems recdvetl by us at any other location or m any otl»r form may rat be cradled as of the ley we recdve them. Ou business days are Monday thrwgit Saturdsy, exclu6ng Mlitlays. (lease do not use series, paper dips eu. vAten preparing your payment. When you send ua a check(s), you authorize us to make cone-vme dectroric transfer debit Inxn your bank steam for the amotm of the deeck. ~TNs aud,odzation apps es to aY chxks recavetl doling the Nlling tyck even rt sent by someone rise. If we carurot process the vsrater, you audadze us to make a Charge against your bank accent using the check, a paper drab or abet hem. 03 ~ i First 3 ~: months half-price peoplE;pc®on ine U Abetter way to Internet. ~ 1 PeoplePC Online offers the features you would 9 ~ expect from higher priced Internet Service a month; Providers at half price for the first 3 months! f9.95/mo. thereafter Email 'Virus Protection ® Pop-Up BtockerT^^ ~j Spam Controls 48 2467011 6 SIGN UP TODAY: c S t Di l mar a er TIN G w 1_g77-778-~ 207 INE AV Mention Offer Code: ONYX ~ Phish6tr Security OLLY PA 170 -11440r vi sit www.peoplepc.com/go/onyx ~p Intern6~t Call Waiting ~ a ~a~ Q' 11 PLATINUM VISA ACCOUNT AUC 20 -SEP 19, 2004 4862-3624-6701-1626 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance 1700.00 1 11 SEP PAYMENT RECEIVED -THANK YOU f50 tx1- Payments, Credits and Adjustments (50.00 . Transactions 5147.75 Finance Chages f.50 Transactions 2 09 SEP COCONUTS #1220 CARLISLE PA E21 19 New Balance (798.25 Minimum Amount Due (23 00 . 3 13 SEP WM SUPERCENTER MECH.4NICSBURG PA 36.99 . Payment Due Date October 19 2004 4 13 SEP ROLY POLY MECHANICSBUR MECH.4NICSBURC PA 5.04 , 5 14 SEP 0201 SHEETZ 00002014 MECH.4NICBURC PA 24.50 Total Credit Line f2 ~ 6 16 SEP CAMESTOP #1845 CAMP HILL PA 52.99 Total Available Credit E1,201.75 7 19 SEP MINIMUM -FINANCE CHARGE .2g Credit Line for Cash 52,000 8 19 SEP PAYMENT PROTECTION 1-888-527-6904 7,04 Available Credit for Cash (1,201.75 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed At otu service to your Capital One credit card based on yotu month-ending account balance. If yov have any questions, y please call the customer service number listed above in the transactions section of your statement. To call Customu Relations or to report a lost or stolen and 1-800-955-7070 Send payments to: Said inquiries to: Attn: Remittance Processing Capital One Suvices Capital OneSwices P.O. Sox 85147 P.O. Box 85015 Richmond, VA 23276 RirLmond, VA 27285-5015 Important Account Informaflon Are you registered to vote in this yeaz's general election? li s not too late! There's still tune to register, so go for it. Your vote can make a difference this November. Call or visit your local voters registration office or go to www.everyvotecounts2004.com to make sure yottr voice is heard. Every vote counts! F'utanee Charges Please see revarle ride for important injornwtion B / .arr Pm'odu Conerpmdng 1~ ~ ~ ro pplKdfo rd APR AK `o PURCHASES f28.60 .02438A;P 8.90% f.22 CASH 5.00 .0542S9SP 15.80% 5.00 SPECL4L TRANSFERS 5685.48 .0000045 .00% 5.00 ANNUAL PERCENTAGE RATE applied this period 0.82rYo • PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362467011626 19 0798250050000023009 New Balance (798.25 Minimum Amount Due 523,00 Payment Due Date October 19, 2004 Total enclosed f Account Number: 4862-3624-6701-1626 Capital One Bank P.O. Box 85147 ~~~um~t~~t~nu~~t~ Richmond, VA 23276 ~n~t~u~~m~t~~su~t~~u~~ut~~ut~~uuu~~s~u~~ut~~u~t~ Please writeyow arrannt narabn on your A7asrprirat maJ'ng add nab c~raii rl sngn brl~eu uvirsgb/ or block ixk srrxt Apc k Cary Smu ZIP Home Phone Alamau Phone ~ #9026386750064481# MAIL ID NUMBER ~ JUSTIN G WEARY ~ 19 TRINE AVE ~ MT HOLLY SPGS PA 17065-119:4 ° L ~w~~~ut~~~un~~ut~t~uu~~nt~~s~u~s~n~Mn~~(a~uut~~~ sherk m money order vnadepayable to Cafita7One Bank and moil in the enrh~ed envelofe. peoplepc®online u Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGNQUP TODAI(i 1-877-778-1207 Mention Offer Code: ONYX Or visit uvvvw.peoplepc.com/go/onyx 8 O ~i N PeoplePC is solely responsible for this oNar, and is not afflllated wlth Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentiorltid herein are solely owned by the respective entity. All rights reserved. By responding to this otter, you may be communicating information about yourself to the company Ihat provides this product -for example, that you are a Capita! One customer. `PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.85 a month thereafter. Otter available to new dial-up subscribers at least 18 years of age and may not be redeemed wfth any other offer, Offer subject to change at any time. Phone technical support available for $1.95 per minute. Fa questions, call toll free at t-877.778-t2D7. Service not available in all azeas. Access fees, taxes, and other tees and restrictions may apply. Telephone toll Glargfs may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. All use Is subject to PeoplePC Onlitie's Services Agreement and Acceptable Use Policy. 5fiK is the maximum speed of service; actual speed may vary. ® 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. ® 2D06 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. ppee ode rate. To obtain the average daily bdanoe for the biYirg period covered by this natement, we take the bedmirq belartce of each segmem each day, add any rew transaceore to each segmem, and st6tram any payments w crodts. ilf the code N appears an the from of the statemem nee to -balance Rata Applied To,- we also sWtmct any tripeid finance charge intluded in the helerae of eaM x m.) TNS gives ten the daily balance of each segmem. Then wo add up all the tlelly balances to each segment for the Nllirg period end dNdc by the total number of days In the billing period. TNa gloms us the wrage daily balance of eaM segment. 3. ArraW Prarrhye Ft~as fAPR6 a. TM term -Annual Pemamage Rate- may appear as APO- on the front of tltis natcment. b. If the code P (Prime), L f3-mo. LIDOR), C fCenificete of Deposh), « S (Bpnkcard Prime) appears m tfa from of this statemem next to the perodc ratelsl, the perodc rates eM correspmdng ANNUAL PERCEMAGE RATES may vary gtanedy and may increase « doctease based an the stated indices, as loud in The Well Sweet J«vnel, due the margin Dyenviously dstlosed to you. TMNe d+anpea wiN be affectlw an the fimt day Of ycur Nllirg period wwred bV blur periodc statement erring In the months Jenuery, April, July era October. c. It the code D {Prime), F {t-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) apps the from of your atatemett next to the pedodc a te(e), da pedodc rated and oonespatdng ANNUAL PERCENTAGE RATES may vary mamNy end may increase or decrease based on the stated indces, as foutd in The Wa!/ Street Joumel, pas the margin penvioudy dsdosod to you. These changes will be effectlw an the first deV of your billiry penal earn month. 4. Aaamerrtt of Late, pvarirrii ant Rebarted Pa`/mer~ Fads. your account will be assessed ro more than two of the fees listed here that occur tlurirg any tilling period. Under [he terms of your customer egreemem, r rue the right to wolve or tat to assess any fees withom p or nonflcatlon to y~u without waiting our right ro assess the same or similar ff et a later time. 5.1'RrrwiV Parr Aararnt. If a membership tae appears on the front of this statement, you lave 30 days from the date this statement wee mailed to you to avoid payirq the fee or to haw such fee cradled to you if you caned your accotnt. Dudrq tNa period, you may cmtinue to use your account without having to pay the membemNp fee. To caned your accent, you must notify us by calling our Customer Relations Depanmem and pay your 'New Balance' in full (excludng the mombeship fee) prior en the erd of the thirty-day period. 6. N Vau Cbae Vow Aoaoud. you con request to dose your accent by calling our Customer Peletlore Department. You must denroy your credit card(s) and accent access checks, cancel all preamfarized billing, and cease u irtp your account. If you do not cancel preauttarized bilirtg arrangements, we will consider recdpt of a charge your authorization to reopen your account. Additionally, your account will not be closed omit you pay all amounts you owe us Includng: any trensapions you haw authorized, tinence charges, post due tees, owriimit leas, rotumed payment fees, cash advance Sees acct any ether fear ossessed to you accent. ye are resporeide for these emouma whether they appear on your aceem m the time you request to close the erector or they am incurred subsequent en your request to Gose the aceotxn. TNS may result in charges appearing on your accornt aher you have Your errant if it has dreadY been dostxl. For exampe. if you eWrorized a purriaae from a merdtent end we recaw t)to trernacdm from the merdant after your secant has hoerr dosed. Your arrant veto be reopened. the emoutt of the Merge will be added ro your aecanG and you will he raaperside for payment. It Them is a membership fee far your omartt, the foe trill Contirr.re to be drerged, to the oztom psmtitted by law, tndl the eccaart balance has been pent in hll es defined above. 7. UaYrY Vary Aaeaud.Vau cab « account caratot be reed in carraabn with any interre[ gamdirg [rertaectlaa. 9. Notice Aeart F]eatrmb Cheolt Crwrabn. When You provinformationkfrom yea' dreck ro make s or,e-tkror m dettroric find transfer from your bank accent or ro process the peymerx as a dtack trsreecdm. When wo tree information from your Mack to make an dectraric find trorefar, fistdt may be withdrawn from your bank accent as soon es the same day we receive your ~y ~t.~na yo ~wil~not rd;eiw Your dtack back from BILLING RIGHTS SUMMARY Ile Case Of Errors Or Oueniore Aban Vour Bilp If yw 1Nnk yo« bill Vs wrong, or if you rteetl more informatim on a trareactlon « NII, write ro us m a separate sfteet as soon as posside at the address for nquiries shown on the from of the stdemem. We mtm hear from yar ro later than 60 days aher we seen you the first hill on wtiM the eror or problem appeared. Vou can cdl our Customer Rtladora number, but ddrtg so will rat Preserve your rides. In your lever, give is the idlawirq mformatlan: your tame and accaam number, the ddlar amount of 1M: suspected enor, a description of rite ertor and an et~lartatian, rt posside, of why you bdiew them is an error; or it you reed mom iniomtetian, a doscriptim of the item yw ere urrsuro about. Vou do rat Nava to pay any amount in ga:stian wNle we era investigadng it, ben Vou re adll odigated to pay the pans of your bill that are rat in question. Whae we Investigate your gcesdon, we rarrat report you as ddingtartt or take any action to cdlect the amont you question. A,t Spacial Rule For Crept Card Purchases n ya, have a DrMfem with the quality of prapertY or services that you purMesed wilt a crept card end You haw tiled in fpad faith en coned the problem with the merchant, yet may haw the ddn rat fo pay the remeirtng mart due on tfte prapeny « seMCOS. you have Chia protection oily when the WrMase price was more than 950.00 arW tta glrcSase was made in your Noma state or within 100 miles of your mailing address. Ilf we own or operate rite merchant, or rf we mailed you the adwrtisem«x for the property or seMCes, elf purdrases are covered regardess of amount or location of pucahase.) Reese remember to sign all cortespondence. t Does trot apply ro consumer non-credit card vccounts 2 Does riot ePPrY to business non-uedif card accounts One stpports intomtatian privacy protection: sae our at wrvvw.capptdone.com. Orle is a tetlarally r stared service mark of Capital sandal Corporation. All rights reserved. 0 2003 Otte OILGLBAK t lbw To Awid A Fiwnee Charge. . (trace Priori. Yau vriN haw a mirimvn grace period of a 25 dogs withart firerrce charge m new Pur dtases, new lrelartce tmrefers, new spedai ptsdroses and new other dtarges if you pay yes told -Neva Balance', ar aCCOfdanee with Ifs YnpORBm N«ice f01 tlayRlarH9 bdOW, rid n dnre for it [o De cradled by your next me[emem dating date. Them is m gace period on cash advent a and spetlal trarrefers. kt addtbn, there is ro grace pedotl on any trartsactlm If you do not pay the teal -New bdarrrs.' b. Aortirg Ferrws Chsga. Trertsactiare wNM are not subject to a gram period a asaessad flrortre large 11 from the dale of the troreaetlon or 2) front the date the trereacdan is processed to yet Accent or 3) from the first slender deY of the current billirg period. Addrtieally, if you rid rot peY the 'New Balance- from the pmvies billirq period in fiat, finance charges cartdrare to accnre ro your trpaid belertce urGl tre tslpeid belertrE i9 pdd in ftal. TNa meare tfat you may aril cure frrerce drerges, even if you pay the ertdre New Balance indrated on the front of your arotemerrt by rho nerd statement doairtg date, btrt rid rat do ao 1« rite prevlan moms. Urpeid firortce tlmrrges dried to rite cede segnrertt of yet Arrant. t'c. Mkirraatr Flnanoe .For each hNling pedal that ya,r aeon[ is at6jea to a flrrartce dterge, a mirarrrun teal R)dANCE (XEARGE of 50.50 will be Imposed. If tM total flrerrce dtarpe restating tram the appliratlon of your pedodc rate(s) is less then 90.50, we will subtract that amount free tfa 90.50 mirimun and the dfferertce will be billed to the purdteae sapt~era of yet accent. td. Terrpaary R.duetian it Fnrwa Clwga. We reserve tfa rids to not asaesa arty « all firertce dargea for any given biNirrg period 2. Avrage Daly ealrroe Ilndud'ng Naw Prdtsaal• a. tinence purge is calWated y mtatiplyirtg the daily belartce of eaM segment of your atxoutt (e.g., cash dvarx~, purchase, spedal trorefer, aril spedd pumhase) by the rxrrrespordrrg OaNy pedoric rate(s) that has been provlptsly dstlosed to you. At tfa end of each de during the bNllrg pedal, we apply [tre deNy perieic rate for eaM sagnem d your accent to the dilly balance of each dt~e raatlts of ifaae deifary cdaledore weriod, aweyaadxd up perittde firarae large for eaM segmertt. We adtl tp the restlta from eaM segnem to aniw at tta total perodc firortce Marge for yes accent. To get the dilly belertce t« ealr seAnent of ywr arras, we take the bepavtirq balance f« eaM aegnent and add any row trereactiore nil any pedock flrrarrca Merge calculatetl on the prewar deye belaroe f« that segment. We then subtrom any paymems or cradle ported as of dot day riot are agocated [o that segmem. TNa dues to the separate dilly bdartce for eaM se4ne^t of your Ir0001Irt. )iowev«, if ye id the New Belertoe shown m your previous smtement in hit (or tf ~~ba~~t was zam or a crept amotn0, rew post to yea purtdrma « spald purchase segnems am rot added to tfa daily balances. We raleiate the ewrege daily bdarrce by addng all the daily belarrcas togsdrer and dvidng the xm by tla camber of tfa days in the wrrett biting cycle. To calculate your total firortce large, mtaridV Vnur average daffy balance bV tfa daffy perodc rete and 6y the ember of days in ttte bNlirg period. Due to randrrg ar a daily basis, theta may be a eyrie vadertra betvwr t tHs cdaJetion ant the emourc of firertce Ma ecnteYy assessed. '' b. It the code 2 o N appears m the trmt of tlda statement rat[[ m -Belertce mate Appied 70,' we mtatldV rho 6RRUM Ingortart fbUoe: Paymrrta you mall to us will be cradled to your aocwtt as of ttre buaireea day we receive h, provided I1) you sea the bonant portion of this statement and your dreck in the enclosed remittance envolope and 12) your paymom la received in our pprrocessing cemer by 3 p.m. L7 (12 moon PT). Please allow et leas[ flue 15) Gusiness days for postal ddiwry. Paymems rocdved by us at any otter location or In any outer Corm may not be credited as of ttte dayY we receive them. Our Muirtees daYB are Monday. throtrdt SatwdaV exckrdttg talideys. Please do trot use stapes, paper dt'ps etc. vAan preparing Your paymen. When you send ue a Meckls), you atrdarize w to make sorts-rime alectroroc vansiar debit frpn your Dank accotrn for the ream of the check This authorizagan apples to all clacks received durng the billing cycle even d dent by sametsa lee. Ii via carrot process the trenafer, you authorize us to make a Marge against your bank aocarrt using the deck, a paper drab or other item. s,~ojaroua parot~ua ay; u: j:xur puv ~u°g auk jxtsda~ °! ajq°If°dap°u< vpm s(auou m naq~ rn°sCu° vgvsxu ruxmro m°,faJrara amald ~~~nm~~~~~urlulilulil'urll~uilr'n~llmi~~~iu~~~url ~ °o I~fullml'ulillnuulln~llu~Ilull~luillr~n~~~n~~~u~ bbTT-590LT Kd SOdS x'I'IOH SW ~ ° uow ~z ~ 9LZEZ KA p ~ g J 3AK 3NI2TS 6T ~ ~ IInlililn~l'un~ll' LbT58 xoH 'O d [2iK3M O NI,LS[1P ~ xuEH eu0 Tee?de0 2T3HWf1N QI 'IIKW #98fib9005L 98 b6Z06# ~~ avoyd ~awarTy auogd awoi{ dIZ 'r~5 ~G!p A'+dV raaag ~,,,~~n~„~a,qa ux i~vsaa„~,G~ ,p,~rr~p°au~G~,,,,~.a,m~d 9Z9T-TOL9-bZ9E-Z984 :zagwnK Tuno»y ~~ $ pasopua pvoy 4002 `6T zagwanoty aleQ anQ luaw.(ed 00'6Z$ anQ mnoury• wnunwyq 56'9865 aoueleg matt' £006Z000OOh00569860 66 929L1OL9hZ9£Z98h 0 0000000 • .LN3WAVd H.LIM MO'I3H NOI,L2fOd NTIf1.132[ HSV3']d °,6TZ'£ porrad scgT pagddc ~.Ld2I g~b'.I.N302I~d'Idfll~IM+ 00'f 9600' 9600000' EO'Sb9f S2I33Sh'1+2I,L TdI03dS 00'f 765SOZ d960£950' 00'f HSb'J SSZS 9655'6 d96469Z0" 69'TZ£f S3SVH02llld ~i~~~ '~` °tP„~ ewp ~ rp°: d w JJKOI°& xormuuofur m°!z°duer zofap:rarvnal aarama/d saS~eq~ a0uvu[3 V 0 ~swnoo aeon brand •pmaq s< axon mof ams a;lew ue0 nof.fNO 'z zagwanoty vo aray7lno 1a8 os '~ueuodurt s< aeon mod igyOA ~iagiuanoH sv{l aouara}}rp a axew of weM uonm<r.TO•{cq Tunoood lueu ueI •.(zewwnS pug-zeal mo.( zo} uc ldo o1.~oq uo mawazzzs mo.(m pagelou aq Ipm no,L •.izewwns pug-zea,~ e antaaaz o1 zapzo uc zea.C goea m III Tsnw no.( hunoaoe mof zo} atgerene sc Tgauaq scgi se Hoot sy •SOOZ `8Z ~z~gad PQe ST .(zenue j uaanzaq passaaozd aq Ilw, szapzo [IV •,idoa mo.C anzasaz o1 'b00Z `ZI tagwaoaQ azo}aq Lg66-46L-LLS-T [(~ a~a~ sa8zego g00Z mof sdeaaz Tey~ ,Crewwns pug-zea,1 aaz} a antaoaz oT atgrFlla aze no.('zawoTSro au0 Iezcde0 panien e sy 89.8 4069-LZS-888-T NOI,L03.L02Id .LN3NLIb'd ,LOO 6T T T 00'5 b'd RidS A770H .LL4 b'dL~I00 IXV,L H`dI76',LI 3H.L ,LOO OT OT LO'CT b'd 37SI7Nb0 ZIT# S32IO,L5 0003.LNb70 ZOO Zo 6 00'05 b'd 37SI7iIV0 3NIOIQ3YTI 7b'N2I3.LNI ,LOO TO 8 OS'SZ Vd ONdS 7770H .LNI 6Z£Z0000 Z.L3gHS tfZO d3S 6Z L 4Z'OI ON b'770N00 `2I3.LHORNQ SN3T4ZId3 d3S SZ 9 4I'9Z ON ?IMb'H I.I.LiSi .L2IVIK 7VM d3S SZ S 4csz Ots TH 7In3Q 77I5I Obb%co0o y2Ib7nI}I d3S cz b SE'£S ON )IMb'H I.L,LI}I ,L2Ib'Yd 7VM d3S I Z t SZ'oi$ ON tl7702100 LS60# P10I7 0003 d3S oz z suon0esuezy -~~~ T10 L?I(yVH.I. - Q3AI30g2I ,LAi3NL1Vd ,LOO 9T i sTUatuT .Pd P~ ~Ipar~ `s0ua ed T }o T aged 9Z9T-IOL9-4z9£-Z98b 400Z'6T ,LOO - OZ d3S ,LNR000V b'SL1 NIRNI.Ld7d Ploypte~ ®otszedn sse v w ~- ~a~0 IEilde~ ~o~ ~~ ~ ~ a' / Y ~al`l0 aua1J, Pal!wi~ ~ ;:~ MON lOt/ (an/e~ nos-sszsx vn ~~ow~~ 9GZSZ en'P~ow~ix 5[058X08"O'd LbT58 s"8 'O'd wusaS aup Teiida J saarnraS auk Tstrde~ %urssawrd aouxµnua~ :wyd~ :ol °Tr!"i'°!' PwS :ol syuaucind puaS OLOL-SS6-008-I yam wiou ro uAT a uodu o1 ro soona~a~ nwoln~ pca oy aauuasmo 1t7 SO'£IO`I$ gse0 zo} T~pazO aigeimnd• 000`Z$ gse0 zo} aui7 upaz0 SO'£IO`T$ ilpaz0 atgeimnd teloy 000`Z$ auc7 npaz0 paoy h002 `6I zagwanoty a3eQ anQ 7uaw.fea 00'6Z$ anQ wnowy wnwmcyq 56'985$ xauetefi matt' SS'Z$ sa8zeg0 aoueucd ST'9ZZ$ suoiuesuezy 00'OG$ smawlsnCpy pue sztpaz0 'szuaw.fea SZ'86L$ rauetefi snouazd S Tunooo~ ~~~ .R"+Jeq aTR 6uise.i ae~n~ui~ }~ 6u//pueH ~ 6u/dd/yS 33y~ < 09$) /aspeaH ®y/oo~an19 aaa~ SI1N08 < auoyd erame~ ssa/a,~/M ,~~3yj < d70~OlOW~~~07 ~° .rod bur;/eM uaag an~no,~ /eaa aUl Eoa ezuoymB noA 'la}soar ayi aeaoold roues aM es auoauae A was ! uane a Ao Blll °r°1l laylo to yap laded a 'lloeyo ayt Buren lunaca@ >lueq 1noA tsweBB eweyo a wlew of en yual 1noA ulw 1!gaP ,a}slWlt oluwtoa awp~auo e 9 1 P IIM °yl Buunp panroaw sfloeW ye of aelpde u311ezuoy,ne spl ~yIaaya ayl to uBrowa '°R lo} unooDe 'sAeplpy Buynpxe '~eplnle 1 AB p ep ~~rq it ~ w p~~aoe ~)llaa4° a sn puss noA u°4M '1uau,ABd moA Buuedwd ualM 'Die 'edlp laded 'sepsis asn loo op essay S 46°0 41 PuoW wa sA assn rt0 ' °4 ep ay1 }o se palPa,o aQ ton Aew uuoy laylo Aue u to uonBOOI ,aUO Aue iB en Aq penlaoel siUauL/ed 'A1~113P iwsod lol sAep ssauHrq (ql any lseal la MollB aseald '(yd °oou ZL) 13 'w'd E Aq latuaa 6ulssaoold 1lID u! Panlaoal sl twuNa~ 1noA (i'1 WB adolanua aausv!ulal P~olou° all ul >foaW moA puB waulBlau spt to uowod uavoq a41 puss noA (ll DapHwd 'll anl~al an Asp seaulsnq ayt to se lvrooae 1noA of petpwo aq II!M sn of I!ew noA stuawAed :saPop 1l1BLledul wa/n/ N ~ 9 I O ' O )IVSIOI l0 EOOZ a 'Panlaew styBu IIy 'uopwodlo0 lel Iw!dBJ }o ll,ew Dawes pmalsl8al Ayelepal a sl 1 •unD•auolw. eo•mmrA 1110 ass :uo}retold Aoenud IrpBUUOju! svoddne 1 stunwav pea ypalo-uw ssau~srp of A/dde tav swop = sturwaov plea ypan-uou zawnslroo o, A/ddv ton asop ,~ ('aseyolnd 'aouaglodsauoo Ile uBls of logwaual assay jo uopaool to lunowe ;o ssapie0al palanoo we 6aseW1M ile 'sa0}n136 10 Avadold ap lOj w3Uldslvanpe ayl noA pal!ew am R to 'lueyolaw ayl alwado to uMO am 10 'ssalppe Buplew moA jo sal!w OOl u!ytlM ,0 3tels auloy moA w Spew seM aseywrq oyi pus 00'055 ueyl mow seM aoutl aserpuM ayl uayM Apo uonaalwd sM aney noA 'sooyuas to Auadold ayt uo anp lurowe BuulBww ayI ABd OI IW 3y8µ ayl 3APy ABW fqA 'IUByw3W ~yl 4tIM wal9°ld ayl toauoo of 4yul P°°B ul µaµ3 array noA pus p,oo (Pala a 41M+ PaseW,nd rwA leyi sa3}nlas to Avadwd }o AlllelrD ayl 411M uplgold a array noA 11 sasBWlry PleJ lPwO loj eFly IeloedS 'uoysanbe oA lurowe a,t welpo of uonoe Aue aa~rII 1 l3 luarrW lap noA nodal toweo aM 'uopsarib 1noA weBnsanul oM aIFIM 'uopsarrb u( loo me leyl IN 1r1DA }o sued ayl Aed m poleBln° Illls ale noA lrq 'll ~P~I1saAUl ale am alp{M uollsarb ul trawwa Aua Aed of ahoy loo ap roA ']noge wnsun ale noA wall ayl to uofldposap a 'wlleuvo/ul wow peen noA ll to .'lone ue sr ways analpq noA Ayr jo 'ap!ssod ){ 'uoneueldca ue pus lone ayl to uatduasep a 'lwla paloadsris ayt }o furrows 3e3µµ ayl 'laquuru wnooaB pus auleu 1noA :uoneuuojul BuPAOIpI °41 sn an!B 'laual 1froA ul 'sty6u 1noA anlaswd loo yys os Buup tnq 'laqurw suopepy lalApl6rYJ xro yeo eo noA 'pweatltle wapwd to lone ayl 4oM+ uo Ilp lay ayl rqA 1W6 aM lays sABp OB °Byl lalel OU rrD/. wwj 1Bay fares aM 'luaet3leis 6p1 to loaf ayl uo Umor•s saulrrl>tll loy sswppe ayl le apKSOd se uoos se hays ale,edae s uo sn of atpm 'IN9 3o uolresuen a uo uopeuuojw wow peen noA jl to 'BuolM s) Ilp lnaA Mupt na4 jl 0119 1roA inogy suonsanp lp wou3 !O ase0 W) Ayb'WWnS S1HOIy ONITI9 'uoPwpar! lapuay 1roA iwy M3°9 MoaP ,noA anronnl loo Ilpn no,1 pus 'wauAed noA anpau aM Asp awes ap se coos ea llerO30e Mueq lno,1 iuolj umwP4llM nq Aew spay ',a}sVwl Pull ouwrele ue agew of >foa3U wro% ulwj uoneuuoyu! sal sin uayNr 'uonnesrrell yaetp a se luawAed ap scao3ld w to wnw3e Mueq ,rro.A uxuj la}awl puy auwlaep °wll~llo a anew Ol ]laaya mOA wOy UOyBULOjUI een of layrp an azpoyme noA 'tuawAetl sa >taalp a apinwd rwA uayM 'uaµwzn,o0 Moeeq efueaesl3 ><r°9V se1Wi '6 'sugresuen BulMlweO lawwu Aue 4Wn uopaauro ul Pear aq louueo tunoooe to ryes 1roA•yermey m°A Bulafl 'L 'snags PalyaP ea IFy ul P!°d uaaq say aa,eleq wno:rae ap IPUr 'Mel Aq paluwad luaixa ayl m 'PaweW aq o1 aallwoa IIN+ aa; ayl 'lurro3oe lnoA lay aa{ dlyuagwaw e s! waP ll '1WwAed loy algexlodsal aq IBM noA pus 'wno3aB 1noA of pappa aq Ilpt+ aweW ap }o wrowe aW pauadool aq 11!M lufgnOB moA 'P°°op uaaq say lura33a 1fgA lays weywaw ayl wwj llolrB6Uw1 aP anp3w apwexUe luoywau a awl asaywrrtl a pazpoyme nM 1! °I 'Pasola uaaq Apeall° say u /! 1uno3na IIgA anBy noA lays lr+rOOOe 1naA uo Bupeadde saBleyo o! lpsal Aaw spl 'lunoooe ayl asop o1 uan6w 1noA 1 wanbecgne pauroul mB Aay1 to lr+roooe ayl aeolo Ol lsafrbal nOA awll ayl le Wn000a 1noA UO 1Badde hap laylayM susawe asayl loj aplsuodsal ale rroA ~turwooe 1noA w paesasea saaj layw Aue pus Baal aouenpe yseo 'saa; tuawAeO pawnrl 'saaj llwlpano 'sea) anp wed 'sawaW a3ueuy 'Pazuoyme aney noA su0!resueli Aue :Bupnpul en am3 noA elurowe ye Aed rqA I!lun pasolo aq ton IIIM turoooe 1noA 'ApeuoPPPV 'wnoo3e 1noA uatloal of uopazuoymv 1roA aelap a }° ldpoal lapeuoo ll!M am 'sluawa0uwle B°lllq Pazpoymewtl laoueo loo ap noA Il 'nooses lno,1 dwen aseao pus 'B°1189 pazDWlneald ee poueo 'srloayo esaaoe luroooa pus Is)pleo ypala mA Aonsap Isnw roA 'luawuadaapp suoltelay mwotsn0 mo Bulll°a A9 luroooe moA asop at lsalrbal ueo noA 'llneoay ~r°A esol0 n°A N '9 'popad AeP-AUpl ayl to pus ayl Ot lopd (sal tlNUagwaw ayl Bupnlo><a) Ilry u! aoueley maN, ,noA Aed pus tuawueda0 suopBlay lauaun~ mo BuAleo Aq sn Mnou lanes nM 'IreMOOe 1noA laoueo oy 'aa/ dpwagwaw a41 Aed of BUMey m041NA 1rsMOOe 1nOA aen of enUIl000 Aew noA 'pound sµ1 BuunO nUfroooe 1noA laauea rioA )! noA of palpaio sal 4°°s array of to sal ap BuNed plona w noA of pol!ew sem luawelels spl slap ayt wol} sAep OE array noA 'luawaleu spt to luny ayl W weodtle sal dpwagwaw a jl '>wrraoey +r°A Oyzzwswy~'g n ,oral a to saa) leywle to awes aayy1 6sas6e of ir~u 1n0 BuNieM IrroyllM roA Ol UOnBOypOU IOpd lnoyllM 6aaj hUB ssasaB w IOU 10 aAIBM of ly8u ay1 onlasw aM lwwaalBe lawolsro 1rwA jo euual a4l iapurl ~pouad Bu11119 Aua Bupnp lnooo leyl way Pws!I saa) ay1 to oMl uayl wow ou paesasse aq II)++ 1un3oae moA 'mel 1wwASd Pev+9ey Pve aes~ao 'qrt ie alwuuaessv 'ro 41ww ysea popatl Bu!Ilp 1noA to Asp lay ayl uo anpxy}a aq IIN+ Bueyo °s°41 'noA of Pasol~P AlawMmd u6,ew ayt sold %awao/'taeiJS /! Nl ayl ul puno{ se 'seoyiul paleu °rP uo paseq asealoap to aeealou! Aew pus Applow Alan AuWiWp~ad a!~'~alell3d 7VnNNV Bupuodsauoa pus ~lnai o tow ) po pad alt w ixw iuawalels w 1 alt uo weadde (ApiuoW Peopday yOSn ° -£) 0 to (yOSll 'oul-ll j 'lawpol 0 aPOa °41 )I 'a 'uxµrp pus Alrq• 'IPdo' 'Alenuen syluow ayl ul Bupua luau,aleu oyropad wnA Aq pwanm popad BUIIIFl 1noA jo Asp lsly aµ uo a+ltaaya aq IIP~ saBuey;, acayy roA w pasopep AlaloNw u8lew ary sold %evmor taagS //oM a41 ul Purol se 'seoPUl paten all uo paseq esea,aap,o asealal! Aew We APaveNr Alen Avw S31Vy 3rJV1N30y3d IVnNNV 6uPuodsaum pus sates aPOUad ap. 'Is)alel oytopatl ayl of Ixeu lUmUalels spl yo woy ayl uo weadde (sand Pleorluep) S ,° '(tlsotla0 jo aieay!vapl 0 'lyOBll 'Dui-EI l 'lawudl d apoo ayl VI '9 •wawateu spl to wolf °tp °° .ydb'. sa leadtle Aew stay aBetuawad lenuuy, oval ayl 'a '111dV1 se7eU ~1uso~d I~°tl '£ all sn sanl8 s ruauB3s 8ua }o aalelBQ AIleP elene lerl ay1 A ~ Pop Illlq ayl 4 sA@p;o laqunu 9 aplnP W° P°p°d 8u111µ ayl loj tuau8as ysea lo! saoueleq All°D ayl Ile do ppe am 'ua,y tuaubas ysea jo aoueleq AI!BP ayl sn asop spy ('luaubae yoea jo aaue~eq ay1 u( papnpu! aBlap aoueuy plakn Aue rellgfle le aan ,'ol Pa!IddV stay aalele0. 01 ixau Wawalels slyt }o low/ oyl w weatlde N apoo a4t tll 's1Pwo to sluawAOd Aue rwiyre pw '1uau,BOS ysea of suogaesuell man Aue ppe 'Asp yova wawBas yoea jo aoueleq Buuu6aq ayl allel oM 'lualuoteu apt Aq pwanoo pound Buylp ayl loj aoueleq µ3eµ aBwana ayl u!elgo 01 'wel oywP ayl npP/rw aM ,'ol P°IIddV slay a3ueley, w ixau lrlaulalals spl l0 luoy ayl u0 eler,dde p JOZ aµ00 ayl jl 'q paseasse Ayenlae a81ap aouwy jo lurowa ap pus uopeFcrl,r epl uaamtaq aaueDen vIBBe e aq Aew a,ap 'sceq Ayep s ua Buylurw w an0 'pODad B°!Ilp an u! sAep }o ,aqusru atp Aq pus wal oyropad AI!eP ayl A9 eaueleq AlBD aBwano ,naA AItlllFSU 'swap eaueuy µ3o3 ,noA a1a/olBO of 'apAa 8uyp lwuro ayl u! sAep ap )o ,aqunu ayl A9 oafs ayt B°D!nP Pus ,W1aBo1 eaauelaq N!eP °41 Ile BuPpa Aq apuelaq AI!eP a8wane ayt ale aM '~°°Wq AI!eP °4103 pelpe lal me swauEes ass pied MauPpad6 10 86By3uM 1noA w lead yopM 6UOpOealB11 'puwwe 3µw3 a to waz seM aouaplq Mau lnwt !1 lq IF4 ul luawalsls snoy,ad mM uo wnoys aalelsg tnsp °lP Pled noA ll 'lanamoH 'lugaoe tnoA ;0 111aUbes yarn loj aauapq AIIBD wwedes ayl at san16 spy 'nlaweas lap of paleoolle we lap Asp lap }o w palsod slpwa to muawAed Aue loellgl6 nap aM 'lUallBa6 1ey1 lOj aaueleq a Asp arolnwd ap uo P°lelKrlea sweep sanely oPOUed Aue pus ellDrre6Vw1 men Aue ppa pus waUlBes Wes la} aauelaq Bu!wRBeq aµ a>Iw azn 'esv>JOe IIgA ;o waubes rpea lol aoualeq AIpIP ayl lab al 'v+ro3oe moA 30} swap aouauy OPopa7 leaf a41 w aAWB O11UaUlBae 3µ8a wwJ 61Fcal apldr pps aryr 'wawBas lpea loy swap aaleuy apouad noA le sows of suolleFbl~ N!eP asaR 1° slFlsm ap dt PPe am 'POPatl BuMI!Q eyl )° Pus ap 16 uayy 'weuBae Weaaja aalepq MIeP ayl w luro3oe ,noA ao luau8as Wes 1 lw oywpad ABeP ayl Apde am •pound &M33µ all Bupnp ABP Wes 1° Pus °tP lb 'noA al PasoPsP Aplolnwd uaaq say ieyl (s)ale aylallad AI!°P Bupuodeawoa aW Aq las°rWnd lel3°ds pus 'lajswvl l°P°ds 'asapmd 'aalenpe ycea '-B'a) wnoxa ,nnA jo luauBes Wes jo aouelaq AI!BP ap &1NId!llrw Aq palapulw s! aBleW aoueuy 'e •IwseWmd M.N Bupryaull eevgee AysO e6eigy .Z uan6 AuB 1 sa01 P°D Bulpp ~ aP ~° ~y Ile ,o Aue ssaseB iau o1 vlnP ap anlaew aryl •eB,np eusu~d u uoyorpey A,B,wilwl 'P luroaoe ,noA oluauBes~ ayl a9 IIIM aalwayP °tP pus ilasuulw 05'0$µ3°W woy wlnli~ 1 13Bl1gne INM em '05'Uf dWl seal slq(ps7~ ap°uetl 1nnA jo uopeaytlde ap uny BullFsm ew euy Isla aW ;I 'pasoduy °9 IMs 05'06 l0 30NblfJ 3~NbNld I°lw unwu!w a 'awelp sale{{ e w r°19rrs s! lurroooe xraA nip popad BuBlp ysea lod •e6alq eouay uesyyyy 'a ~, 'wrroay moA to wafers ape3ydde ayl w pappe we wB,ap aareuy PlBdun 'ywow arolnwd ayt loy os ap loo PP lrq 'map Bueop walUmau ixau ap Aq waulwwe vroA )° woy ap uo Pweopu wuePg Mep wlvln ap Aed noA ll uana 'snwap a3ueuy wino yps Aew noA lap suBaul spl 'py u! pled s! aauel°9 Pprdr+r ayl Inur eau@leq P!sdur 1roA w eruooa o1 ars,vwo eaweyn eauauy 'IFy w Pouatl 8u!13µ aroawd ap uioy aaleRB M°N. ap Aed lal PP noA;{ 'MleuoPPPV 'P°Pad d°yl!9 wavro ay1 ao Asp lepuelw ]sly ap nay 16 to Taroooy mM of paesaooltl s{ uonaeewn ayl slap ayr woy fZ to uolresuwl ayl }o slap ap umy 4l swap aoueuy paesaese we paled a:rwe e w iaefgns ton we WpM suolresuwl 'e~40 souyd ~^eV 'q n+°N. Iww Aed lal e arp ap noA jl uopOBarwl AuB uo popad aow6 au el wap 'uoflppa ul 'wajalwl lepads pus saauenpa ysea uo pound a3e16 au s! wa,y 'aloe Bucap weWalw6 ixaU Josh Aq pa1Pw0 °q o1 L JO) awq U pus 'mopq wuawAed loj aapop) alevodwl as 4l!M aoueplo;rae w ' aauele9 M°N. leaf 1roA Aetl noA ;! saBleW laps Mau puo sasayntl lepatls man 'wa}suwl a3uele9 man 'sasaplnd man uo aeletp salary vraR!M sABp 5Z to pound aowB unwMw n_anay II!M roA 'paved eeerE, 'e 1 'pen,esw sµ8µ IPl'wew aoln,as pwelsl6w Aywepal a sl au0 PUWeO '~IA'saxnlag a°O lelldeJ 5002 ¢ a,e noA 1eW 'apulexa ,o} - pnpwd spl saplnwd lalU Auetlwa~ a ',awolsnu eu0 I¢UdeJ aq Raw roA 7eyo aryl of Bwpuodsw IA °] Uas,noA Uloge uogeuuojul Bugeopnwwoo s>uewe en Autl 'a,a u ~ ~~, ~~ IN A3Uua eNlOadsa, aN AU pelwo Alelos e,e ulewy peuoquaw P U nays aoln,as ,o looped Aue 'uya Pa1elIUJe loo sl pus 'aePle,en6 ,o aSlopua 'eplAwd loo asop eu01¢l!dq'eu0 lel!dB0 W!M peleply° loo we pue'sya slN ,o) ep{suodsw we eAUwM Due eleln0up'~uogdul 'Oll ssalwUB,eIn6u10 !o sM,ewapeA Dwels~e„o penlesw s146u Iltl'OT1'ssalwM,emBUlO 5002 ,eln&,l0 'Oll 'ssgwl ,e 1°I~weDeA a,e oBq ssalwlM,¢InBurO aql Pu¢ ssalaiM M lydur0 to srpau enwes ave. IIm1 :»yda,6 alp pus lBy all Buw!ey 'Oll 'ssepn,M ,elnBulO p srpawellaq Da,psBw are MlalAlwed Pue,enolpy'uml opdw6 ayl';epBUr~'A,en Aew,ey0 ~SppZ'yE,aquwnoN swpx3 ,aUO 'sl!alaD ,ol ,eyo INiI ees ',(Idea suolpulsw ,ely0 'Auetlu,oD sealwpl ,okw ,eylwe u,wl,alw lead ,eyWlle euaae, IIM noA ea,e sselwlM,enBup a In loo ex noA }}II sselwlM,elnBu~ Aq Penes we s3eMl¢w Sn IR loN'eselenM,gn6ul0 WM pepum,esA onq a uo aoln,es to sal loan a BuUengoe slewgsno of apepene s( pue'1!sodap,o I¢nadde 1Pwo e4l~efgrl5 ,ay0 'ssap'ulM,elnbu!0 ,w ,apwp pezuoypre ue 'roof 0!uwldul Aq palPyn} ~ ,eyo spl'ategw u!i!ew ,aye aey auoiy , wo3wednS sBelwlM ay1 -~P'laeq a1i,16WS1e1 J1-1~3211M aeln6ui~ x i B~~ auo~e~ide~/wo~•~C~~aainn•iwu-nn ~.isin ap 6690-£L6-008- L Ilp~ i~~pol aapa0 (issaia~IM ~e~n6ui~ al,(iuo ol}loads a~nlea} y) sa;nwy~ awly(uy pasnu~ ~anoiiob < sa6~ey~ 6uiweoa oN< a~ue~sl~l 6uo-i aplnnuolleN 332Jd< ailgoy~ o> a~lgoiry pa}Iwl~un< :apnpw sued ssa~anM ~e~nBui~ u6isap >,edwo~ wl{1-e~i~f1< auoydya,ieadg ul-3iing< ,cl!I!gede~ y;oo~anig< eJBWe' WOOZ ie~61a< :sapn~wi auoyd' £A 21Z1~21 e~wo;oy~ 8 'afa(araua parot~ua ay{ ur (razes puv ryu~ au0 (of?dnJ or a~gmTadapvas vP1O ~auovs ~ ~•aaq~ malCuo iaqusxu tunoaav vrorCatrtrrn amald ~~~uu~~~~~~mlulslul~Iluilluulilurllun~~~us~~~uil ~ o Islnl'n~llulillnmilluillui~lull~lurl~r~n~~~n~~~n~ bbLT-590LT Kd SOdS A'I'IOH ,LW ~ 9LZEZ KA 'puowq~ig J 3AK 3NI2TZ 6T ~ ~ A2IKHM J NISSRP ~ I~Ilnil~lullmulll LbT58 xog O d ^ xueg aup Te~ZdeO L 2I3HWRN QI 'IIKW #886b9005L985Z£06# ~ ~PPtllreu'3 ~ 9Z9T-TOL9-6Z9£-2984 :sgwntylunoaay auoyd arewa:~ avoyd awal{ ~ ~ pasolaua ploy dIZ '~4S ~!J b00Z `8T sgwaoaa aleQ ana luaw.(ed ~ ,dy 'a"'S 00'T £S - anQ mnowy wnunury~ ~><.~},?ia.o,ntga><ur ~aq „Srw~,rmw-, ~,>.o rs~~a:r.L~m„aYr.d,.m„d I6'690 TT nuzleg xia~y 1001 £00006Z0016h901 61 9Z9110L97Z9£Z98h 0 0000000 • .LN3WAVd H.LIM MO'13fl NOIdNOd NiIf1J.3N 3Stl31d 96Z0'b pouad s<yl pa?Idde ~,T~ 3~d.LN~021~d "IVf1I~tAIV 00't 00'5 ' 9600' 9600000' OZ'OT9t SH33SNVH.L'ib'I03dS 9655'OZ d960£950' 00't HSb-J LS £f 96 59 6 d96469Z0' 40'S£bf S3SVH02Ifld ~ ~~~~ ~y ~ duadauo ~s oapr~ 8 :P 0 nP : d a~ pr ~8 ~ uortavuoju: luata~usr tojapu arenas aar amald sa~iey~ aouetn,3 •uodaz 1?pan mof vi pa3aaBaz aq Dale rCevr 1vno7ae mc~f vo s1lne~ap sglo zo slvaw.ted passlw 'rlvaw.Ced a1e7 •ap3ozd lyaa nesno mof o1 samq?.OVm meamq upaa of vonewzo3v? lunoaoe mof fo 8vnzodaz ayy •meamq llpan of lvno»e mof moge uoaewzo3u? uodaa.Cew am 1eg1 no.C mzo~tu o1 ktunuoddo s?ql axes 01 axy plno.+~ aM uo[leusso•{ut ltmoao~ lue].loduij •.(mwwns pug-teak mo.C ao~ u? ldo ol.++oq uo luawalels mo,( u? pag?lou aq II'M noA •.(aewwnS pug-aeaA e an?aoaa of tapto u? aea.(goea u? ~ lmw nor( hunooae mo,( zof algepzne sr lgauaq sRyi se Suo[ Sb"SOOZ `SZ ~~qa3 Puc SL .faevuef'vaanuaq passaaoad aq jry, x sspzo ~,• •,(doo mo.( antasaa of 'b00Z `ZT aagwaoaQ azo~aq L864-b6L-LLS-I [Ia asea?g •sa$aeya yppZ mo.( sdzaat legl.SaewwnS pug-.reaA aar) a an?aoat of a~q?8cia aae no.('swolsro au0 Ie1?de0 pan~en e stl 9£'6 6069-LZS-888-T I~[OI,LOg,L02Id.LN3NLltld AOM6L 9 bi'I Z b'd g'ISI'RItlO 68LZ# S3YQb'D IIg AON OT S ~'RZ tld 02IdS x7'IOH .Li~I 6Z£Z0000 Z.LggHS Z£ZO AOK RO b 6L'[£ b'd g7SI72Itl~ SSg'Ig2IIM,L'rB,Lb' ,LSO £Z £ ro'£iY b'd02IdS l'I70H'.LNib'QOS~82Id3H,l'I'IOH.LYH ,L0p6L Z suo?loesueay -00'6ZS (lO1xNVHJ.-Q3AIgOg2I,LM3NV,tld AONLT I slvaun ,Pd P~ ~!PizO `siua ed 11o I aid 6002 `6i AON - OZ,LOO 9Z9T-TOL9-6Z9£-2984 .LNfl000tl tlSIA LTIRr1I,Lb"Id SCOS-SSZ£Z VA'Puowga~ 9LZ£Z VA `Puowya?g ST058 XOti 'O'd LbT58 ~fi 'O'd sa~reraS auO Isrrds0 saaruaS au0 pnrde0 8urssaaoad a~ueunua8 :idly :ol sarambm puag :ol nuaw,Ced puag OLOL-S56-008-1 yaw wToys ao lsoi s uodu o1 ro suone[ag nwou~ neo oy ao?ntas mof 1t7 60'S£6Y gse0 zoj l?paa0 aige??end• 000`ZY gse0 toy au?? upat0 60'S£6Y 1?paz0 aigetm.~y ploy 000`ZY au?7 1?paa0 p~o~, 6002 `8T tagwaoaa alea ana mawried 00'T£S anQ mnouttl umurwry~ T6'b90'TY aouz~eg maN LS'£S sa8aeg0 aoueul~ 6£'£OTY suo?loesueaZ 00'6ZY sluawlsnfpy puc sl?paa0 'sluaw.(ed 56'986$ aaue~eg sno?na.rd 3 lunoood ~' suol~alas ~teplloy ano~t ao; SO~OI~I ~Iq ~Idaa ~A~NO 3WIl 4311W1~ 'as~anaa uo suaa~i aui~ aye uioa; saoioyo anon( ~oa~as of pa~inui aas nog( `aap~oypas~ ®aup ~e~ide~ pan~en a 6uiaq ao} nod ~{ueyl a sy Abb~3M J NllSfl(' ao~ /~~anisn~ox3 as.~~o ~dlo3ds d - s~danoH ~Hl ao~ sano~ W ) ayi aseawd iouuea em 'umll layto to µtyp laded a '>faeya ayl &xsn wnoxLe Nueq 1noA lsule86 eBleya a anew of sn ezu Ne roA 'le aueq 11 'asP auoeuns Aq was 1! uana apAa ewleq ayi Buunp panleaw sxaeya Ile of salldde uonezuoylne +:Nl ~aeya ayi to wrowe ayi lol unoaae sA yuaq ~ um,{~ ap la;sua,t asmliaela ausl-arm s ayew of sn ezuoy7ne noA '(s)yaaya a sn puss noA uayM ~tuawAed moA eupedvd uaym •;qe ' Ip laded 'sepals esn wu op easels ep!P4 Bu axe ' 3 yBnoxy Aepuoyy ale sASp sseu!enq /np wayt anPaw am ep ayi to se at aaqq A,anyap lelsod lo/ sAsp ssaulsrp (yl any iseal ie molls xeald '(id uoeu d A latuaa Bulasaawd ,~ Aew uual leylo Aue w to uoaeaol layio Aue ie sn Aq panPOal siuauNed xaaya noA pus UmWaiets a ZL) 13 'w' E q tq DanPaw sl tuauLled ,noA (Z) pus adolanua aautyuww Pasolaua ayi uI 1Ui to uavod uauoq ayi puss naA (L) pap!nad 'µ an!aaal am Asp seau!snq ayi /o se tunoaae 1roA of pet9aa aq IIPn sn of Ilew noA stuawAed :safleN PmvaAul W99 LL ~b9lpl LO sup let!dep EOOZ s 'Panleael sPlbu Iryy 'lmlte l od loJ IepueUlJ- 6u0 Vo au, - w ayt ,o pasola aq of turoaae ayt Pam , ansy roA ,at)a ,uwaas ,noA uo Bupeadde e8,eya uow , ~ aqi ApPI~w am .'o ~~ fa ~~~ p~ wanB 1 Pallda`u' aieNJ aaueleg w Rau e p el letpep to )flew aapvae palate. , Alltyde eel sup lelpep •wm•auo de a•mm W ynea, Aew clyy ~wnoaae ayi asop of tserba, ,roA w iuanbasgns Pwlroul ale Aa41 ,o tunoaae a i aso _ wawatets s, sR Vo iuoly ayi uo eledda N ~s Z epos ayl VI '9 pt, m is ailsgam no ass :uonaalmd Aaenud uoyeuuolu! svoddts sup lelpep y p of isanbal noA awR ayl m wnoaae ,noA uo ,eadde Aayl pamasse ANeruae a8,wp eaueuy Va n+lowe ayl pus uoltepnlea app uaammq aauepan x61F atunoaae pzea Lpan-uov ssa a'n o A ddo aus ~ ,ayiaym stunowe aeayl loV aplsuodew we noA 'turoape 1f10% of passasse seal laylo Aue pus sea; aauenpe a aq Aaw weyi 'elseq AI!ell a uo yu Buplp ayl w sA Plnw of anp ~pouad ep Vo laquru atP A us a ry a o A u q f / t p Y ysea 'sea; tuawnetl pawnta, 'seal µwryano 'seal anP ' q P p p yep i aµt Aq aauefeq Apep a0tyans~ ,noA Apnpwu 'aB,etp aaueuy stuimaae Area ypaio-uou lau,rrsuoa of Apdo Jou asop ~ tsed saB,eya aauwy 'pazso4lns aney rqA suolpesuan Iowa ,noA aielmisa of 'alb Bu!yp wavro aP ul sAap ap Aua :Bulpnl~! sn amo noA etunowa Ile Aed iwA spun ' ;o laqusw ayi A9 uns ayl OwplnD pus leyla003 saaueleq 'aauapuodeavro Ile uyls of laqupww assets pasop aq too y!rn tunoaae ,raA AyeuoplPPV ~wnwae A AI!eP aW Ile Buype Aq aauelsq Ayep aBwane ayt we-ol~ (~aseyalnd Vo uo!teaol to lurowe o ssaplaBal palanoa ale ua ow of uo!lezuoyule moA aB,eya a Vo idiaaw ,a cuoa ' 6 w B aM 'saauapq M!ap ayl w pappe feu we sluawbas aseiplnd easetplnd Ile 'saowas to Ava~ld ayl lOp tuawaelvanpe p s awa uaue II!m am uylq pazuoytneald Pause loo op roA 11 'turoaae InoA bulsn asses pus Dads ,o p. aseywnd ,noA of isod W!y't+ elapaB6ytyi turowe ayi noA papaw am y l0 7ueyulaw ayi aityado to umo am 19 'ssaippe Dulllew 1roA Vo sallw pp L upifm 'BU111N Pazuoytnemd Ile pause 's a a sasses wrooa@ Y sy e t to ( Pa's a to waz sezn a ~ gel maN ) I lM tuauattys aaNad noA ro um ~ to stela quay lnoA w spew sem aseyavld oyl pus 00'054 ueyl wow sem saps aseya,nd ayt uaym Apo uopaaiwd Pue (slPl a tlPs,a ,noA hovsap tenw noA 'tuawuada(~ swltelaa ,aeaisn~ fro Bulllsa Aq lunpaoe fro sip pf roA 11 ',anemory luroxa ,noA;o wau6as tp a ,o) aaueN,q hpep altyedas ayi In eanl6 spy •llmu18a6 lelp w slyt aney noA 'saaWas to Auadwd ayi uo anp nmawe Bup!eww ayi Aed of lout tPp ayt aney Aew roA 'weywaw asop al isanbal Uea roA 'lunoo0y JroA asap roA !I '9 'pound Asp-AUpt ayl Vo pus ayl w ,opd (sal dptyagwaw 6 a paleaope wa leyl Asp leyl to se ptysod slpwa to suawAed Aue law ayi lel ague s W>s uaP aM 'MmuBss i sq ~leP ~ ayl 41Vm uapmd ayl laavoa of 4llsV Pooh ul Papl enay noJ. ~ ~~~ noA leyl saowas P i ohA ulpnpxa) IP1 u( ,aauele{N map, m Aed pus li tuowvedep suoyelsa ,euamro lno Buylea Ay sn Aytau ' srovwd ayl uo pempalw a[Lelp aaueuy aPOPa Aus pus Paesutyl meu Aue s pP we wawBae wee pl aaueleq i I AVadmd o AL enb e ) n ayi yt)m ampwa a anw na'' 11 lanes noA fusses ,noA sues o P 1 'sal apwegwaw ayi Aetl of Pulnay lnoyllm wroaae ,noA aen o aro d pueaq ayt exty am 'w,a~ae ,noA to s,al,nes yeas ,ol e A - sasaya,nd We'J 1Ptyp I a as Aa IePadS ~'t puoa f Aew noA 'pound epl Buunp ~tuwaae ,noA Pause noA 1! noA of Paipaio eel yens aney of io eaV ayl BulAed pane aauel q P,ep ayi 1aB of turoaae non ,oV a9,elP aauwy ayouad feel ayi le an}ue of weubas 4aea way w-lsw ayi dri ppe aM 'wauOes lpea ,oV eOlelp wuwy afpouad PsanD noA lurowB w noA of pallew sem wawaieu spt step ayi wolf sAap OC aney roA 'luaWalels sp] Vo lwll a41 Im weaddB ,1aA ,e anp,e w w,oneplapa Aypp asayi )o eipma, ayi Ol ppe am 'popa0 pylNp ayl /O Pue ey1 1B ALL 'lllallOae ayi lea a of Uo Pe Aue IP I aHet ,o luanbulPD se naA uodw lowea am 'uonsanb InaA weansanul am a INM woDsanb ul aa; dps,agwaw a 11 -7uaaaV nsA 9 ~-~ w lpw to eaue a pq Atlep P w xrimae ,noA to wawpas ' loo a,e leyl IR ,noA to sued ayl Aed of pam6lpo IIPs ae ~ lt ,atel a to seal ,el!wls to awes ayi ssasse of lybp Ino Buln!em iroytlm noA yipea of wty apouad Aryep ayl Apse am papas Bulllp ayt 6uLsp Asp Wee yo Pus ayi ly 'noA m paso e A a na,d roA utQ 'µ µepnsanul we am aIW+• uoluanb ul turowv Aue Aed of aney iou ap roA 'wogs a,nsun we noA waµ ayi ' of uo!leayPOU loud uayllm sae) Aue assess w loo to aniem of lybp ayt an,asa, am 'wewaa,pe muwlana ,roA to suuai p P p f uaeq say leyi (s)alty apopad Apep Bup,lodse„oa ayi Aq (aseywnd lepad6 pus ',aJevtyi ppads 'aseywnd 'apu GPs to uopdpxap a uonauuoWl wow peso rlaA It to :lwla ue si alayt ona!pq naA Ayr )o 'apfssod LI 'uopeuepxa ue us ayl lapun ~pouad oulllq Aue yuPnP ,nano ieyi way pals II coa a o om u 46ea "y'a) wroaae lfaA;o wawpae lpea to aaueleq p ,ova ayl io uonduasap a ',ova palaadsns ayi !o tunowe ' yi / i t wow ou aseasse l e4 P aq IlVnt tosses ,noA aae~ 711e111Aed PeueyeNl W 1!WYsnO 'gel W > '4 Apep ayt BuNpfyiw AcJJ pawlrolea s! aB,eya aaueuy 'a . Isaseyorb meN ~1*1p41 rouelee App eBswn ,aglow luro»e Wa awBU JneA :uopelWONUI e1PP ayi Bufmolpl oyt en anlB 'laual IroA ul 'supp 1roA avaswd ' '41ww tpea pound dvllp ,non Vo Asp ltyy slP uo anpaalVa aq Ilpn Z y •poViad Wpf!Q uanO Aue ,a) sa6lup aaueuy Ile ,o Aue assess Lou of ulpu iou pen os Rupp 1n9 laquwlu suoyelea lawotsrr~ Iro Ilea uea rioA 'pmeadde wapwd to ,ale ayt ya!tym uo IIp ityy bueyo aeayy 'noA of PssMosP Aprofnwd uelew ay1 snp %ewno~ tea tS paM a41 ul pwa; se 'aaagw palms ayt anlesal aM 'eN{atp wusuy~ uL uoflonpay A,s,oduM ~ unoaaa l B y p ayt roA tuns am loµe sAep 0a ueyi fatal ou roA ww; leay ~ ayi uo paeaq aeewaep to asewaul Aew pus Appuow Alen l no )a v,au as aselp,nd ayi w aq aauwa}yP aW Pue unwpiw 05'04 ayt uay iV~a 11 !m wawawm apt Vo tuwl ayt uo umoys saurlWli Rio sew V PPe ayt to apfssod ce uoos se taa s ate,edas Aew S31W 3pV1N3pLfld IVLWNV Wlgadewma pus sa es a d ' ~P ~ a iatyigm Ilva am 'p5•p4 uap seat sl (s)ales ayopad y a uo sn of atpm 'll!q to uoli:lesuen a uo uoltawaW! lpopa t (s)alty a Pad ayl of Rau tuawatets all InoA la fool add 1 ayt uo tye a !npiuep Paapdaa aoen nloi noA o uo Bu f P~Ilaae ayt way PIS a6tsya aaueuy fwot a asadw t a ' ' ' wow peso noA Buolm s( roA V! ,o ' pp I eupt noA p ow-') p to (tl0911 'ow-ll d 'lawpd) p epos ayt )I 'a y l )1 P q IIPn 05 05 Vo 30ab F1J 3JNONFJ Ityot unwa!w s 'atLalp eaueuy a w taapile s! nraaae ,roA (119 ,roA tnogV suopeanp ,p tyov3 VO asap WI ' agotap pus A~'Ipdyr •A,enuel• syiuow ayl u! teyt popes eu IINQ 4aea ,oj •a6stp ee~yi unupryy ~a AtlVWWf1S SILKJItl ONfT71B Bupua luawamis aPopad noA Aq pa,anao popes BuI11R 'n+aaaV noA to wawpas algae ayl of pappe wa 'uolyuluul pPUeily ,roA ,noA to Asp Isle ayi uo anlway{a aq IIM sa6ueip asayy 'noA of DssopsP Apnolnald u61ew ayi snp %eumq' sa&eip aaueily Pledun 'ywow snoywd ayl ,o; w ap iau y 's a d ua,l tlaeq tlaap ,noA enceow iw y!m noA pus 'nauAed I anpaw am Aep some ayi se Uoe6 se tuloaae 7aa4S !/eM e41 u! Puroy se 'saapwl peters ayi uo as pp p p l lwp itmumla,s lxau ayt Aq luaweielc lnoA yo iuoy ayi uo PaleaPul aauepg map woos ap Aed noA > ~ , W ~ umtypyµm eq Aew splay ',alsuav pun} p eq asealaap ,o asealau! Aew pus Apauellb Alen Aew S31W 3'JVIN3JH3d lV(YWb BllNwodeavoa pus salty ;( uena 'saB,eyo eaueuy amo ~Pe Aew noA 1etP Eue6w spy 'Oy u! pled s! aaueleq Medtn ayl IPIn aaueleq P!saul xaA mlew w yaeyo nM uay uopewm;u! sal am uayry, 'uoliaesutyi yaalp a se wawAed ayt sewald apwuad etP '(slatty apouatl )o tuoy ayt uo weadde solo ayi of Rau wewaials slyi ( d plea>fuaa) S to '(t oda of eruaae of anuPUw seO,aip aaucuy •~y u! pound Bulll!q aro O ei ,o tosses ilueq noA uay ,a)sutyi PuN awltaa aw u p p p Vo aleaylvep) p 'IaO81l 'ow-£1 l 'fawudl d aPoo ayl VI 'Q Hw ayi uay samfe(I map(. ayi Ae0 loo PP nM 11 'Apeuopypy 'pop tii,pNQ xswro ap yo Asp lepllapa lwy p-auo a a>lew of ilaelp noA uay umeu alu! aa i w ,aytp sn az noA 'luaulAed se papne yaalp a apMwO wawatets efyl Vo iuolV syl uo ,adb. se ,eadde Aew area a0atwa,a enuu uua a ' ayi uay (£ ,o iuraoay ixN of Psssaaad sl uofpesuvi rioA im,lni '"^le'emlro >f°ey0 alg4ee0 Tegi/ safety 'B d l y, yy e i •INdVI ee7e11 eaerwo,ed nm+ro '£ ayi slap ayi uaµ (Z p uoflaeSltyi ayi fo slap ayi uay (L a8lelp aaueuy pasea~e we popes a,tya e w iaa!gm Bu web laww Aua walwea,en Ip 4 ytYn ugtaauuoa ul Pssrl ~tuaubas lpea to aaueleq AIRD aetyane ayt sn ean6 spy ~popatl 6uplp ayt u! sAep to mgwnu loo we oiryd puAney '9 ~~^ auoltaasutyy •eeleyp ' aq touuea turoaao ,o plea ,ro,(•luaootl n^A ~Fn ~L 'snags Pauyap se Inl ul Plea uaaq say aaueleq losses Ityai ayi Aq aplnP pus pound pu yeas to seals e A IIIp ayl lol luaw&m 1 19 Nap ayi Ile do ppe em ' waw0es • ~eleq ap- lefty ayi Aed loo ap raA V! uoly BBUtyi Aue uo s B ' ' ayi Ilion 'me A ayi of 'petueip aq of 1 q pavfuuad waixa aru o ' yeas Vo aaueleq AI!eP ayt sn wn8 e. yaee Vo Nl 1'tua pope aaty au sl wayl uoplppe u ty aJ4Vtyl IePads We 1 ewuenpe ysea uo popatl a:ltyB a el waft' 'slap 6ulwp pu a IPm as ayi iuloaae ,noA ,al sal dptyaqumw e s! a , a4 11 'tuaulned ,ol ap~adse., aq IIPn roA pus gala leg ayi u! Papnpu! aBlaya aauauy P!edin Aue peltgro Dale am 'ol Da!pdy wee ague of ixau waum lee luaemiem ixau ,noA Aq palfpa,a aq w v la awp u Pile ' A d 'iurooae liaA at pappe aq II!m aB,eya ayt is lulowe aW 'Psuatmol aq II!m luroaap ,noA 'Paeop uaa sa iuloooe , mm - epl !o iliw/ ayi uo tyeadde u ~ ~l )1) 'sipa,a to s Y d A ' mofaq siuaw e ,o; saPON iuevadwl etP 41!m aauepioaae I ' aauels9 'MaN, Wioi xaA Aed roA;( saCleW q y ,roA ,aye weya,aw alp way uo!L'lesuon ~ tuau .e ue ptyiq,s Pue lua Wee of suonaesuev mau Aue ppv 'AeP yeas WaW6as lpea Vo aaueleq ~l!8aq ,ayes meu pus sasstpxM Iwade mal 'tya)altyl eauepq mau 'saseyamd ma, uo a~ aaueu ~ e to V aseywntl a pezuel et' aw a ua, 11 pile rioA 'apes ,oj 'PasoP uaaq Apawfe say v i! ]uno:s,e ,noA ayi a>fet am 'tuauattys snit Aq pwanoa pound Wylqq ayl lo) aaueleq AIlep a0tyane ayi ufetgo of 'aiel plpouad to pound aaty6 unwulw s array IIL+A roAA 'Psud eoeq 'e •e6wun eeuew w mw.. e~ ..~., ~xuaism sup IWIdeO o em noA IoIR 'epwexe lol-iallPOld sT,p seplnod lelA Auodwoo eyl W VlesxaA illogn uoyewla4 6upoapnwum eq Aaw noA •mao app of 6uyladsel AB 'emy unrolls ealnms 101onPold Aw lPL'n Psislys iou a Pty spuemM to esloplm 'epuod iou asop su0 R1Map 'eu0 P9!deJ yl!++ PeleAUla loo r Pw lslp sMp w! elt~pxadsel NMI r JT s+a!nleS eumlEslN gnS,.',eN yenlessl slydl IV 'AlAue engaedsel vip Aq peumo Apps em uamy Dstapuew sNmumpaq Auy -psnmse, suAu Itl'Wew eaves PemislEel ANwepel e r sup IslMrj roof 'seawsS sup DANep 6002 ® ~slepp Pw,ry of ly6u sip senlesel puB mpuen eyf s 90690 1p 'PpiwelS 'Wed eBPla 4041 flea 'Oll S o(1)re0ep gngme)y >OPZ® 'muaLSro DsLR''t la vulroeq no,('uolaepm a eipw noA ueyhA 'e1sD uoeeld)(e ail P sAep k!ip wpfni Desseaold eq Il+'t sleDlp 'perbty Pmo iPela PIeA 'sellss, penmsln Ne al Dunlw a sA»ael (lea roA sDmNls'YV •purysl IN a eysaw Due leolleo q Nan oN uloPasles noA dlpfew woy syluow >qs array roA ~eryen lgoty6 n Pxbe M euo ylyn peoeldel eq F'n k 'epslena+l seuaaeq sPP a ll 'lmis of seulzn6ew bl s,pew ueL of wal mole' 'senssl to meA Rau eyl »; eaftw eyl uo lurowa eyl pe6,eya eq ~ Plnaaae noA Puo enuplaa !m seipie0ew noA 'palms oN lea roA sseplry •aoggl a enfeael ~ roA'leµeelmp Alfenuls Pus wmi isy eyl Bump pelealpul gaud ferrous eyl bl sipuow epxe ns ssplyw y~pA suogaefes noA p syluow ueei46p W wesPeH 'Ol£9•Z89.008-1 lea 'palms q a suopsenb ,a 'pma LPel+iusm0lp a em of yeL'n noA II '~ea6 lxau aIp ml aullou ayl up umoys afar ayl uol anuiluos IIIM suo!lOalas lasuea of Ilea nob ssalun pus ao!lou lennauas a an!a~a~ p,no! 'lea6 yoe3 'plea asop IeAde~ )nob of Pall!q aq IIIM paleo!pul aaud ferrous ay/ pup 's43uow uaaly6!a to lelol a fol s4luow elgxa x!s sn!d yeas of uogtlppsgns fea6 pnl a loalas of palea!pw xoq aUl yo-~aay~ - _ -- - -- ~~tr 33Ni slu,(eps,uewoM £5yC -BSfxa" 3314 sLS~ay~ioopln0 1H3n -- - - 1'sesaanaNu!Nplol'uaywnulularnAwsaPnpu! a -l18-~- 331H s I$' P~~ ox) ~; -bg9t; 3311d OZSf Rwoyl NW9 ^ '+~W'''swn a yeyaq Aw u0 uodroa slyl aempl a eauo N~ an,oyule U a _.._ ... ._.... .... ... _....... .._._.. _.... anleu6!g N -88'89 33tli st519urse8ell sleL~eMw81eM Ndv C -BS~ti 33Fd sz3rLp!eaH s,uayl Lai C X m -gr8[; 33Ui ezu al>Jnl yay C ~1~ 33Ui vZS~ la 3oV ^~ r ti -QrtL- 331H £pS! ams!a~ + !enedl eZ3 ^ .~ 33Nd LZS! II!1"8 ilpef` VW~ ~^ N - 33tld so$r awll ale C -9Btt; 331k! ezu eIkSW rwv ^ ABBr 33}H ozs~ esnoH PIO s!yl NEO C AB&- 331a 9:L' y71eeH zru ^ sled dx3 -Ar4li 331H 6eSI Palerls^III sLlodS Z,tl ^ 8S~- 33Ni sIU au!zeBeyl poet >by ~ ~- .9B'9(- 3381 elullag zav C -ee'sts 33xi zESleuLylo~ oxs C7 -99-tr 33Ird zzsiuaguanad Neo C ~B'3t; 33u~ zes~auM ~g pooj sltl r 9291 lOL9 bZ9£ Z98b Ate- 33tli s:vaoLNa!~ ae!ndod sav ^ -BS~Ss - 3314 slu weaq~ 8 p1al~ wee i_; bb G L-590L L b'd SrJdS LII~OH 1W -9B'9t+ 331H OzS'loyeds3 u3 al~d n,b C 33Ud ~~~~ ~ ~~~~ ~ ~~ ~iiuaouass3 ,t'3 c. 3Ad 3NIal 64 e5=tr, 331 scuau!zesery ~ pay ^ ~g~ 33u~ eLU1y&~ Bun!oop ~ ^ .lljb'3M J NllSflf sooty s e4m ss "!u Imuro) wNwias aeuwJ ~ ~~ 9 ~~ a,Pd Ienlw (umxps laGe'J ~ ~X~(~ ~ ~ O -~ O g 'nnolaq sllelaa •noL( o; aau~ suolloalas unoL( Ile to syluow e~ixa g,(o1u3 M.~ ~' Z~~ 'n n' ~n e~~~ wiyafpu~uB~s'a>i!~no,(sesuoilaalas,(uewse>~ay~ as 0 IIS1'I 0 eiaads e - o naiad self .I S IJOIU O Innou sy;uow ~ anon( wield ~afoLan,rv parol>w ayl ~: ~ rmu puv ryu»g aup ~roJsd°J °J ~'q°'~°d aP°vt wpm ~fauous m ~°ayz tno~Cuo vgvtnu lurt°°m m°iCal:zrra amald IIIu111IlIII111i VIII VIII VIII I1111I IIIIIIIIIIIIIII VIII II II ~ or i bTT-590LT Kd SOdS 1S'I'IOH ,LW a o J 3AK 3NI?Iy 6T = "' ax~zam o xlssnr 2iSflbdL1N QI 'IIKW #8Bb49005L98 bSE06# maiPPtl T!~u+3 D avogd ~eurnib avoyd awo*„ dIZ mng ~+~~ ;~ ,ad »-0s ~ni vnlq m mi49wm roua r>8„o~.,;. .o;r><o mgpn B~Tlu~u )aud>mJrd VIII IIIIIIIIIII II111111III IIIIIIIIIIIIIIIIII III IIIIIIIIIIIIII 9LZ£Z FiA 'Puowct~zg I"I'IIP~II.IIII"III LvTSe Xofl 'o'd L Otueg aup TE~idE~ 9Z9i-TOL9-bZ9£-Z984 .zaqumH Juno»d (~~ g pawpua Ietoy SOOZ `6T ~(zenuel aleQ anQ luaucied 00'T £3 anQ lunoury~ wnunmyy iL'L £0 S- S aoueleg Matt' 5004 £00004£004LL£04 64 9Z944019hZ4£Z987 0 0000000 • .LI13WAtld H.LIM MO'138 NOI1NOd N2II1,Lfl2[ HSt~fl"Id ",69£'b P°uad s?yl paildde $,LtRi dJV,LNI302I~d ZdRNTIV 00'f %00' %00000' LL'085f S2I33SNbZIy'ib1~3dS 00't 965SOZ d960£950' 00'f HSb"~ OS'£t %S9'6 d%4b9Z0' EL'SLbf _. SdStlHJZTfld ummruznfs: tunlzodm: zofapir artnaz aat amatd sa3iey~ aauem,3 ~zea,I ayl;o looseyy teuonenj au0 Ielide0 atR paumon sR 1a>sew ([JTfIM aas pve IMOg an0 paede0 a[{1 tlaleM of Og~r of w aural 01 ams aq 4CeQ s zeal Macy ao pvy dn{svoTdure40 pvonety $Og ayl:anzd aleutnin s~Itegloo; aSaRo~ zo3 pue °sdtgsuocdwetla IMOq zo; lt[8cf swear aluone3 mod aas o1 'uonae [tegloo; aSa((oo uosaasasod ~ tsaq at(11O3 bi m4~Q Sunzgs Odd P~ `ZNdS~ `NdS3 of uc aunt' IumBe aata xaaM IMOg an0 Ieitde0 s,ll uon>'vuo.{uI lunoa°~I luei-comuI STOS-SSZ£Z tlA `P°019Y'RI 9LZQ b"A `Puow~{ rfl ST058 R0f{'O'd LbT58 xoH'O'd raorwn8 >up Il~l!ds~ aar~ aup lel!d~J 8u~ssaaold aausnnwg :uuy :a7 »*mibu~ pua$ :ol slvaw~ud Ping -ou', £s noA xHVII.t - aantao~I ,I,rI~I~uva ~aa £T i slttaun .PdPuesllpaz~'stua ed T 3° T aid 4002 '6T O$Q - OZAON 9Z9T-TOL9-bZ9£-Z984 .LP1n000V USIA LTInMI,Lb"Id ~Ic~Ilaac~ w 3 ~~ 6ui;ieM peg }auaa}u~ sassaappy ~ieua3 aaoy~ r~ ~' ,(6o~ouyoal .la~eip >Jewg ~aa,reu~s ~ s~oa3uo~ u~edg l~ wi~6>I~a~g do-dod w,oaWew~(g Rq pa~anlod u01;oa;O.Id SnJI/~ :6uipnpui `s3apiAad aomaaS lauaalu~ paoud-aay6iy woa; loadxa p~noM nolC sam}eat aU; s~a}yo aui~up ~dald~d SS3~~ti 13N~131N1 £a3i~w~~Nn ~epop/o6~TUOO'oda~doad•rnMrm lisi~ ~ attll04 :epos ~e}}p uoi}uey~ ~ 6996-L8S-888- ~ J~f~ 09t a -z647~ dl IiJB ay/ zo/ ~Wwala~V 33l~ / .. o~ do /~ng ~~auaa~u~ o~ Cann aa~aq d ~~ au~~uo w.~da~doad ~, OLOL-SS6-008-i yl,o uaioys io tii0[ s Modal of so wonRa~ lawols~ nao oy aowaS mo l~l 6Z'Z463 gSeO zO3ltPalO a[gel!4J`V 000`ZS gse0 zof au['I lipaz0 6Z'Z96S lipaz0 atgelcerd paoy 000`ZS aurl lcpaz0 pzo~t, SOOZ `6I .immej aleQ attQ 7uauffed 00'T£3 anQlunouty wnwcucyj TL'L£0`i3 aoueteg Macy 08'£3 sa8zeq~ aau¢uc3 00•g suonaesuezy 00'i£3 sluaunsn[pb• pue stipaz0 `sluaw~fed i6'490`i3 a~uep:g mou~azd atoms iuno»~/ •u,all Jayto ,o µe,p Laded a 'Jloap ayl Bu!sn uencae >fusq JnoA tsulebe abJeyo a aHew of sn axuoylna noA 'Ja;suwl ayl ssaoold lolw6a aM {I 'asp auoeulos Aq lone {! liana apAO Bu!II!0 e4t tluPnp P@npow slloayo Ile et selldde uollezuoytn@ sNl nlaaya ayl l0 µralue @{P Jo{ urwooe lluaq JIroA wol{ tgap {a{alien anlolL'lap aw(i-auo a a>lew of sn azuapne noA '(el>~oaW a en puss raA ueyM 'tuauNSd lnoA BuuedaJd ualy+. •P{e 'edlp laded 'saldets esn loo op asea(d 'sAeplpy Bugnlaxa ' apmle$ I~rJwyi Aapuory we sAep sseulanq Jrrp 'waW anlaoaJ eM Sp ayt Lo se palPaJa aq xou Asw olio{ Jalµo Aua ur to uortsaol leyu/ Aua is sn Aq Panreost sluauY,ed 'AJanyap letsod ,o; sAap ssaulsrp (y) any ]seal 14 molp asaald '!Ld uoou Z L) 13 'ro'd C Aq Jatuao 6ulssaool Jno u! panlaoaJ sl tuauV.sd ,noA (g) pus adopnua aouaullua, pasolwa ayt W >faap JnoA pue tuauletets sNt Lo uo!uod u,oueq eVt pllaS rwA (L1 PePpwd 'µ @nfanat aM Asp ssaupnq a4t {o sa untaaa JnoA of patpwa aq IIPn sn of I!aw noA stuaulAed :Se11eN µpyn8ul aAey IJOi. Iay4 lUllllaae JnoA W buPeadde 6awa{ ul 1PJSaJ Aew sly] 'tunoaoe ayJ asop of teanbw JnoA of 1uaMasgns pw,noul ale Aayl Jo Jun0aPe ayl asolo of lsaNJw no/. awy ayl le wlwaae JIgA Ilo Jeadde Aayt JaytayM slunowe asayl ,o{ algpu4dsw we noA lunooae moA of pessasse soal Jaylo Aue pue saa{ aauenpe yaea 'saa{ luawnad Pau,nlaJ 'saa; lnu?pano 'saa{ anp Iced 'sab,eyo aaueuy 'pazuoyln@ aney noA suo!u46uell Aue :OulpnPu! sn aMO noA swnowe IIS A@d noA Iltun Pasop aaqq IaJ Nun tulwaoe JnoA 'AllalMlyJPtl 'wlwoae JnoA uadow of uopezuoylne JnoA a&eya a {o ltllaaal Japlsuw yywl aM 'stuawa6ueue Ouylq pazuoywsa,d paueo IaJ op roA el ~lwwaae ,no/, bysn eseaa pue '~!Ilq Pazpoylnewd II pauea 'sJfaayo seaoae lunoaoe pue (s)pJea L!peu InoA Awlsep Isnw noA 'luewueda0 of flla~aJJUUJ@~7 Jm duyleo Aq lwwaae JroA p A 'wrJ44ey JIbA esg0 roA N '8 'pound hap-AUNt ayl to pun ayl of Jopd (aa; dplwegwaw aVl fiurpnpxa) IF4 u! aauele8 maN. JnoA Aed pue tuawueda0 suoµelay Jawolsrr~ Jno 6uyleo Aq sn M!lou Isnw noA 'lunoaae moA laaueo of ~aa; Olywagwaw AewnnoA ~pouad aryl euunp 'IUr,ooa~noA llaauo n!o1A {; noA of palpaia aa) yons oney of Jo aa{ ayl auNed prone w noA of pallew saM waulalels aryl alep ayt wo,{ sAap OC aney non 'luawalele sly] {o tl,oJ; ayl uo s,eadde aa{ dNs+agwaw a it '~tl +aA P17M+a~n~'9 n Jwel a le 6aa{ Jeywle Jo awes ayi ssasse of lybp Jno BupjeM lnoyllm noA of uon4oy!lou loud uloyl!m saa{ Aue ssasse of loo Ja andem of l4bp ayl anJaew aM luawawBp Jawopna 1noA {p aUUal ayl ,apu(7 'poµad bUllllq Aue Buunp maoo teyl way pws!I saa{ ayl {a w+l uvyl wow ou passassa aq IIN+ lunmoe moA -awd 7,Je,nAsd PSUSasU Pus llw9JSnO 's>a'1 M 71,nJUaesetl '4 Vwow yaea pound buIIIR JnoA {o Aep lwy ayl uo anuaaµa aq II!M af)ueyo asayl 'raA of pasolasP ApnoHaJtl uO,aw all sop %auJxxo/• taatlS /f!d a41 u! puno; se 'saor{iu! paters ayt uo paseq asewoap Jo aeruJaul Aew pue ANluow Nen A1P S31VH 3Ob'1N30tl3d lVf1NNV tluPuodsauw pue Pound ayl '(s)ate) ap ouad ayt w txau tuawatets ~lnoA to tool{ alt uo sJeadde (ANtuory paoudey 116911 ow-£) 6 Jo (tlOBll 'ow-LI 1 'laulpol O apoo ayl II 'a burpua t wete~jS ~jpopad Jlrw~ ~ a~sp4ploouoad BiJlylq JnoA {o Aep lwy ay1 uo anpaaµa aq IINn sa6uaP asayl 'noA o{ pasopsP ARnolnaJd uOJew ayl sold %eumo/' taawS f/aM a41 u! puro; se 'saa!PJI IJalels ayl uo paseq asaoJaap to asea,au! Aew puo ApauerJb AJen Asw S31Vd 3DV1N3Oµ3d lVI1NNV Duquodsauoo pue sates apouad ayl 'fslalw oPOUad ayt of Ixau twwatele 61y1 {o woµ ayt uo weaddo (awud weaJluepl S Jo gµsodap )o awoyluapl D'ItlOBII 'ow-CI l 'lawudl d apoo ay1 {I '9 •wawatals sly] {o wo„ ayl uo .NdV. se Jeadtle Aew ,atey abeluawad lenuuy, uuw ayl ~e 'lYdVl ss751 SEs~lsowd Ie,sJl,y '£ 'luauJ6as W@a 1o aoueleq AllsP abeJane all sn san8 sNl 'PoPad X11119 a41 N sAap 1o wquJnu plot ayt Aq apNP P+Je Popad 6ulllq ayl ,q lUauJHGle yoea Jo{ saoueleq AIleD ayl Ile do ppe aM 'ua1l 'luaudae yoea {o aouel4q AIISP a41 sr, san8 sNl 1'wawbas 4oea to aauepq aaµ w PaPJPU! ab,eya aou@uy PpduJ Aua uwtgrrs Dale aM ,'ol Pa!NdV aley aouefs9, of Ixau Uf,Walals spll to low{ ayt uo weadde N apoa ayi {P 'sl9au ,o swouXed Aue loe»grs pue 'luawbes Wsa 41 suopaesuwl mau Aue ppe 'Aep yoea IUauJ0a6 yava to aauele9 BUn,uBaq 4yl aJlet aM 'luawalvts eM Aq paJanm pound &illl. nut Jat aouepq Aeep aBs,ane ay1 wwgD ol_'atel a9ou~ ayl Afdµnw aM ,'ol PaIPld4' alay aouafeg, m ixau wawalels efW }o IIJw{ ayl uo sle@dde N Jo Z ~a ~R 11 '9 peaeasse Avenue eaP aaleuy 1o wrlouJe a4l pue uopSrol4a s1Ul IJaeMlal aauepen la~Na e aq Aaw asap 'speq AI!SP a uo BuPUna of an0 ' ad ~!II!9 a41 u! eAep ;o JaglJnu ayt Aq PUS ales aPOUad Apep ayl Aq aaueleq AP.ep abwano Jx10A AldpPwl 'abJap aareuy plot JIIOA al@Fglsa of 'aPAa bU!Ilq weurq aµ u! sAep ayl 1a Jaqunu ayt A9 ~s ap buPlnP pue Jaylabol eaaueleq Ayep ap Ile buype M aoarepq Arep abwane a,p aelrnlea aM •saouapq AIpP ayl w P4PPe loo we walauJBec aceafwnd ppade Jo aeapJnd nloA w rood WPMn suopaeeuen Mau'(tanow4 lpwa a Jo Diaz seM aaueleq Mau JraA 11 Jo) IIy ul luaurnnsls eroNad JrwA uo uMOys anusls9 MaN ayl Pled noA ;I 'JanamoH 'lleNOae JnoA 1o waubas ,pea Jot ao+Jele9 Apep waJMas ayl sn sanf0 sfyl 'wauJ9es loaµ m Paiea rye ~wayl Aap lap yo se paleod slgalo Jo swaulAed 1g16 uaµt eM 'luauBes ]alp JOl aa>~I@Aq ~/~ aJOywd ayl uo pat4-ulw ableap aaueuy aPO, suopassuwl Mau Aue ppe pre wau,Hee Ipea Jot aau@leq 6Ua111$aq ap aJlsl aM '1VIraPJe JnM 10 lUawbas lp@8 101 oauel@4 AIpP eql lab Ol 'w,waoe Jr1oA Jot abJeW aaueuy aQopad level ayl le anp,e w wawBas apes way elFlsaJ ayJ At ppe o w'luauBes yaea Jo; a&ap aaleuy aysPaa x1aA le an, of suopelropa Ayep asap )o slexiaJ ap 6t ppe aM 'Po!lad &+!MF aP to Rla aP le uay.l 'lapu6as 4~Ipa aiw apoy~ad AN~SD ayl Apde~a~me'popad Buylp ayt 6uP^P ASP Wen to Pun a4l 1V 'noA of PasopsP Aprglnald araaq sal t41P (s)alty apoPad AIleP BuPlJOdsauoa aP Aq (aseapJ,wl lepads P~ '~lsuun IePPds 'asealwnd 'aouwPa ysea "b'a) llslo:wJe JI1pA 1o wau6as apes ;a aaueleq Ailep ayl bu;Aldµlnw AI Pwepoleo s! aBJeyo aaJeuy 'e •lseeSWJl,d mSN Pa!PnpMl eouspg A11aQ eb1JM'pl 'Z uanb Aua J sabJ Popad bu!IIN 01 Illp aoueuy Ile Jo Aue a loo of wBp aiµ an,aeal aM •S6sy0 wusu~u ualerpy Awlo6wl 'P -lurloooe Jx10A io ilia aeeaplnd ayl of paylq aq IIIaF"^p aauweyP ayt pue unwlulw 09'08 ap uay llJrowe JrpA ~J1Ts 1~ aM 'Oq'OS itaP'~sl lslalw aPoµad 1o uoµealPlde ayl uloy WPlruw eap a~uwy ptw oyl ;I 'fowl aq Iyn^ 09'08 10 3ONlq-CJ 391bTlld Iwo] wnuquµu a 'abJeap aaueul{ a of pa{o),s sl tanoaae J,qA ,eyl Popad &JPIFl yaaa Jod ' a~4! W W4W 'a 'tarloay JnoA ;o nJauJ6'ue apc r)dda oVl of PaPPe ws eabJap aaueuY wedu(1 'aMJaW sminwd ayl Jo{ as ap lau PP IIq 'aep 6UISaP IUaUJalels acau ayl Aq 1u6u4lels Jx14A 10 luwl ap W pweaPU! aalJapg MaN wlllla ayl Aed xpA 1! liana 'se6,ap aaueay emo lylc Asw noA lan eJeaw s!.11 'IPy u! pled s! aaueleq P!edl/1 ayt IPIn eouelsq Dean JxgA w aruaoe w anu@uro sabJaP aaueuy 'IP4 w popad Bulllq snopwtl alp uioy aousle0 nnaf4. alp Aed 1w PP noA 1! 'AlleuoPPpq 'POpatl b1J111!q tuuJro a1P 1o ASP Jepuapo Ivy ayl row/ (£ JO luxaoaW J,qA of (wssaowd sl UOya66U@Jl alµ aep ayt woo ll Jo ,JOgaeeuwl aµ 1a Slap ayl woy I l abJeap aoueuy flassaess wa p@pad ~wB e w ua(gic Lou we Ipfyu suoltaeanul 'aBr4'1 souayd• ~~ 'q Mary. Iww ayl Aed loo ap roA 11 uoryoealen Aue alo papal aaw0 ou s! way] 'uoPBPa ul 'slalsUan plaade Pie eaoueiye yeea ,JO pound aaeJb a s! call 'map bupap laJaumws ixeu JnoA Aq patlpwa aq of y Ja1 awn ul pue 'MOlaq susunted Ja{ aoPJN nlsvodwl nap W!m aauepJOxa u! ' 2auele9 n+'aFl. Idol Jx14A Aed noA {! eableap Japo Mau PUB sasellaJ,Jd ISPads Mau 'walsueJl aaueleq Mau 'saseaplnd mau uo aBJap aoueuy IlloyllM cAep 9Z {o pound aoaJe unwu!w s array IILM noA :pared ~D 'p~ N~ ~ Jf~il~ Q'3 O . o £OOZ a 'PanJasa, stµw Ily 'uoµwowo0 IePueu!i elJp lellde~ 10 )flaw eoyuas pa,ete, , Allelepe{eel au0 IelMaJ 'Uba'aUapl. Ba'MMM le allegann ,rq aea :uopaatotd Aaened uoµeuuo;u! auoddre auO le1!dep stunaooa plea lrpaia-uw ssauisrp of Ndde tw saoQ = sluxroooe pJSa Y. Pa/>uou JawnSUW o! A/Y/de ta+J saop -aouapuodeaJ,oo Ile uBrc of Jagwaww aseald (~as@W,rM 1o uogeool Jo tlrwwe {o seapJebaJ pwanoo we sasapJntl Ila 'saPlvas Jo Aµatlwd ayl ,ol waauoc!uanPe ayt noA poeaw aM y Jo 'lueywaw aaµ ateJado ,o limo am ll) 'sswPpe bu!pew JrpA {o sal!w OOL uNµM 10 a1e16 aupy 1rpA UI apPW seM aseyaJnd ayl pUB 00'O99 ueyl wow seM riµd asalplyd ayl uaym Aryp wpaalad Buu @~J nay noA 'saoyuas Jo Auodwd ayl uo anp lunowa I ayl Aed of loo tybp ap aney Asw noA 'tueywaw aP 4lvn utapoJd ayt laauea of ylle{ Poab ul Paw ane4 noA pus weo IPaJa a 4uM PeseWJM noA leyt saoyvae AuadoJd {o Allle^o aaµ 411m wapwd a aney noA ;I aeaeywnd P,aJ lPelO ,od a1J)l ISIPadS ~'t 'uollsenb noA lunowv ayl wayoo w uopoe Aue a>fal Jo waxlwpap S noA uodaJ lowao am 'uopsanb JnoA alebltsanu! aM al. 'uoflsanb ul Lou we ley] Iq IoM {o sued ayl Aed of I»~ fqo Illls ale noA PJq '1! ~!teOflsanu! we a.M alpY^ uollsarlb u! 1U11awe Aue Aed w aney IW ap roA 'u~o9e wneun ale noA wall ayl yo uolldPOSap a 'uoµeuuo{ul wow paau nM l! Jo .'Joua uo s! wayt analp9 rloA AIaM {o 'algpeod l! 'wfwueld+ca lie pu4 Joua ayt {o uoltduosop a 'Joua paloatlsns ayt 1o wnowe ,elpp ap 'Jaquirw iunaao@ pus aweu JnM :uopeuuolul buunolp{ ayl wJ anO 'Jaual ~A W 'slyBu JnoA anJaswd loo IIIM os Bupp Inq 'JaquJnu suogefay Jawotsrl•~ ,no Ilea uw noA 'paJeadde uplgwd Jo Joua ayl 4o!IW ~ Ilq troy ayl noA was aM wye sAop 09 uayl Jatel ou noA uloy Jeal lanuJ anA 'tuauJalals slyt {0 luoy ayl uo uMOys saulrlbul Jo{ sawppe ayl to aglesod se uoos se hays aleJedas @ UO sn pl allean 'lip 1 Upllaesuwl B UO UOII@Uao{Uf slow paau noA 1! o '6uoiM s! Ilq Jf10A Jluxlt roA ll (11!8 inoA lnogtl suonsanp JO SJOJJ3 10 ose~ up AtlVWWfIS S1H61d 6NI1119 'uo?m~llsul prouaal JnoA IJJOy yaeq soap JrwA anpaaJ loo IILM rpA plie 1uawAad JIIOA anpaw aM hop awos alP se uoos sa lV,4aae ju@q JnaA uJw; UMwpylVn oq Aew spray 'Ja{suou pu'y IuoJUap lie anew al Jlaoya JnoA woy ualauualu! aen aM uayM 'uogaeaJen yaayo a se laJawAad ap seaowd of Jo tuwaoe yueq Jna1 ulw; Ja)suwl Pay auauap awpauo a anew of yaap aloA way Uoyeuliolu! asn of Jaylp >m azpaylne naA 'wauAed se >faalp a epfnwd noA aa{An'WsJSnlbJ tpWO W~4'+eC!><reg11 b1144 '8 ~slropaesuen 6ulpweb lauau. Aue ytfM anPaasJOa ul peso aq touueo tunmoe ,o WB' lnoA-wrmey JroA a4f1 'L -anoge PauyaD s¢ 1Pµ ul Pled uaaq sal aaueleq wlloaae ayt lµun 'Mel Aq pauuuad luaixa ayl w 'paBJaP aq w anunaroa IM+ aa1 aaµ 'lttnoa6 JfgA Jot ea; tllyalagauaw ¢ el ways;l 'luaulASd JO{ algcuodsw aq II!M noA We hunoaae JnoA of peppe aq IIP+r aBJeya ayl 10 lunowe alp 'PaladoaJ aq UPn tanaoas ,n@A 'PaeoP apaq say wlaaae JxpA Jaye wsywew aµ uloy uoQaeaw~l nap anfaaw aM pue weapJau ¢ upy aselpJrld o pazuoyln@ raA 11 'aldwexa Joj •POSOp uaaq Apawle say 1111 lunaoae JxgA ~peNasaJ sly6p Rd't!Jew aotuas paJals!baJ fyllxJapa) a sl aup leudep'oul 'sad!nJaS ally Rydep 5002 ~sa!rlUnoo Jaylo pus 'S'(1 a4i w pdaMoad to slpewepPUt ale so6o1 sn pus ayNO pdald~d 'penJesag s146!y py '7ul pdal~ad SOOZ 'Ares Aew panda len]oe :aPlnJas;o panda wnuerew ayl v N9S'AE!lod ash apeidaooy Pue UtawawBY saopuaS seu!NO Odaldoad w {oelgns s! asn IIV'samPeowd Inoew9 of {ael(p1S esn snornlpuop'uapJOSIP s,pdaldaed Is pa6ueya aq Aew sJegwnu dn-RIO 'a6esn )fend {o sawn Bupnp Alle!ax1Sa'palwll eq Aew seaaay'saB,eya Ipl auoydapi ul 4nsaJ p!M sregwnu ssaoo¢ Jno )o auo of OEO a Jay{ayx, Bwufuualap m) afq!suodsa are noA'spouad lap{ 6upnp uana'Ntlde,(ew se61e4o INl auoydegl 'Aldde Aew suogau{sar pue saa{ raylo pue'sexel'saa) sseoay ~seere pe w algellene loo aulnreS 'ddS S5 31 41!M S6 ®sMOPU!M 41pn alq!leduwu Lou s! peleragooy au9up pdaldaad 'srasMaq ®sMOpuIM Pe!S!oads pue aUtnJasleuJalul wWW pdald~d 43!M apµedwoo Aluo s! paleJalaooy ewprp pdafdoad 'Apo Aew synsw fen{Py 'aowas lawawi tln-felD DRPUSIS of Dacedwoo ueyxn Jalse{ peol II!m so!ydeJ6 pue ixel abed qaM u2{rao 'Pelereyoy auVup pdaMoad 4Y.M'aw!lAue le a6ue(pl of ga(gns Jayp'eainJas au!ptp pdaltload ryepuels a41 o3liana AIISOAeuJO>re IryM aolnJas PaleJefarJy ayt 's4luow Zl tare) ey{ Jeyy 'swig peuwlf JP; pooh Jaye 'syluaw Zl Jo) aw{ s! JoleJefa~'d! 'equity Jed S6' I$ Jo{ algepene poddns leo!uyoal awlld'awn Aue ie a6ueyo of pelgns Jeyp 'Jayo,ayto Aue IppA pawaapw eq loo Aew pue eBe {o sreaA 8t ]seal le sJequosgns do-faP mau of apepene Jeyp ualleaJa4l Vluow Jad S6'6$ :41uPw Jad L6'b$ le papp are syluow 0 w!d :eu!IW pdaldoad. 'Jaulotsrc.J aup RPdep a we ooh ley] 'eldwexe Jo) - lonfloJd sly] sap!nord 1e41 Aueduloo eyl of yewnoA Inoge Ilogeuuqu! Buµeo!unwwoa aq Aew noA 'Jayo sop of Bu9wodsar Ag'panJasa s{46u IN'N9ue angoedsaJ ayt Aq paunro Aplos aJe waJay PauP!Nraw sJlJeulaPeJ) Auy ~aJay urnoys aanJas Jo yonpoJtl Aue'4ym palsllyle loo s! pue'aelueJen6 ro asJOpua'epUwd Lou seop au0 RAdsJ ~eup lelfdep NIM Petefl!IR loos! pue Yeyo SIV1 Jo; efglsuodsaJ Aylos s! pdeldoed ~epop/o6~woo•ode~doed'nnnnnn lisi~ ~Idl"100 :apo~ aa}}p uoi}uaW .. . 6996-185-888-1 SS300V 13N~l31N1 a3i~w~iNn •~auaa~u~ o~ r~enn aa~aq y ~ au~~uo r.Joda~doad 'ad lama parot~ua ayt ur pour puv dung au p mJtdv~ of a~gwfadapDat vp~a ~Cauovs ~o gaagr <nosCuo vgsuxu tunmm morCattirrz aroald ~~~rnu~r~~~nr~ul~lul~l'sulln~rlrlnr~~11O~~~m~~~ml ~ o° Iilu~lusllnlilluuul lnillusllnllrlur~~r~nr~~u~r~u~ bbTT-590LT Kd SJdS A`I'IOH SW ~ N 9LZ£Z KA 'puowgatg J 3AB 3NI2TS 6i ~_ ~^ Irr~Ilrlslun'lu~'ll Li TSB xoH O d A2IK3M J NIZSIIP ~ ~tueg aup je~Zdep 2I3B:WRN QI 'IIKW #58bfi9005L980Z006# ~ ~'PW P.TVS3 ® 9Z9T-T049-6Z9£-2986 :zaqumty Juno»tT auoyd ~nwatpr ava~d awot.{ ~~ = pasoTaua teloy dIZ ~nf .U~~ SOOZ `6I ~qa3 aleQ anQ luaa.Ced I` ddb laaAf 00'Z£Y _ ai1Q 1nnOUIt7 UIRIU[lll~ bus }rargmmJgAuun jaq v8a ~~timu-a ~rr..ppe 8rrgwur rvud+m~ LO~b$0 TT aJnEteg MaN SOOZ£OOOOI£OOL07801 66 9Z96LOL97Z9£Z98h 0 0000000 ~~ • 1N3WAtld H1IM MOl3fl NOI12[Od Naf11H 21 HStl3ld ",668'b pouad styl palldde g,I,b'2I dJdJ.N3~21~d'IdfINI1V 00'S 9600' 00't %50'IZ %00000' 8£'bSSt Sti83SNb'2IllV[03dS d96L9L50' 00't }ISry-p bb'bf %S['Oi d%T84Z0' £6'blSt S3StlHp2IRd ~ ~!'~f~'{~~T~T',f~ b :P ~ v to+ano ^P N l g : d 3 uortnucrofu? tunttodur: zofaptr arvvz aar area/d sa`daey~ a0ueur3 7zodaz upaa mo,C vi pa]aat{ar aq osp: ,ieur zunoaae ma(vo s1lne~ap at{lo ro rtvanrfed pamur 'szvaur.Ced ale? •atyozd upaa Ttezano mo.C o1 samgplvoo sneaznq upaa m vornsurzojur lvnooae morC3o Sunzodaz aqZ •sneamq upaa of lunoaae mof moge voneurzo~n uodaz.Cem am Tegl no.( urzo3tn of r(lnmlzoddo ~ axel 01 a>pT plnom a/~ uonctuzo•{uI Juno»~ lueyc 'uI STOS-58Z£Z tlA'puowgaRt 9LZ£Z b"A `Puowya~ STOSS xoB'O'd LbT58'~Ofi'O'd saarva$ aup [estdsrp sa>cuaS aup ~tdap $urssaaord aosscunua21 :w,y :ol rarrmisur puaS :ot sysnsvisxi psaS OLOL-SS6-008-i pro sntoys ro rsot a uodar o3 ro suonap~t raworssp pxs oy aa[,uas mo.C 1~7 f6'ST6Y gse0 zoo 1?paz0 atge(rend 000`ZY gse0 zoo auc71?paz0 6L'SZ 6'd 02IdS l7'iOH .LYV 6Z£Z0000 Z.L33HS Z£ZO hIti [ TT L f6'ST6Y upaz0 aigeiceny Ieloy hZ'9 b'd02IdSi7'IOH,LYTI6Z£Z000OZ,I,33HSZ£ZO tyyjOT 9 oooYY aut-Iupaz01eloy 9£'Z ' b'd 02IdS ri7'IOH .T,YTI 6Z£Z0000 Z.L$3HS Z£ZO NVI £0 5 SOOZ `6T ~qad aleQ anq luaur.Ced OT RS ' 6'd ~'ISI'RIVO L60 0£L 03x MVI£0 6 00•Z£Y anQ lunourb• umurtvilgl 00 SZ ' t/d d'ISI"I2Ib'0 3NIOIQffi~I'Ib'NNd,LNI OdQ 0£ £ LO'b80`iY aaueleg matt' S6 ZY Vd~'ISI'I2IV~,LN302Iddf15,LNVY~T7b'M ~3Q0£ Z svonaesueay b6'bY sa8zeg0 aauevi3 ' ZLY suoo~esuezy Z6 ' 00'T£Y sluaunsnfpd~pueslcpaz0'sluaurted -00 I£S ROlANtlH,L-Q3AI3~d21,LN3WAtld Nb"I b[ i TCL£0'T$ aaue)egsnowzd sluaucT .Pd P~ sTrpaz~'slua ed g lvno~t/ Z Io t aid 9Z9T-TOL9-bZ9£-Z98b SWZ `6t NtlI- b00Z `OZ 03Q .LNRO~Ob' b'SIA Y~If]P1I.Lb"Id .~ •11929'ti0Z9`~259~:~QLZ900Z 50:~ .II~gZO~.~I aznTeu6g ouraW raPlo4Pte~ VA puowy~ry ~/~ e ~'""V~~^/J"'GJ >/aay) asey>,nd s~ello0 o aa z f p } o ayl of . ed o0D985 BOOZ/8Z/ZO sa»dx3 90-ObZ90 O LS/CC9-89 aTeO bb I. L-590L L b'd SJdS AIIOH 1W C ~L~ ~ 3l1V 3NIHl 6l G AHV3M'J NI1Sflf 'uny latpo Jo µelp laded a 'yaaya ayt Bupn tvoaae tlueq moA tsulBBe aBJelp a a>Iaw of sn ezuoyNe nol 'JaLsuwt ayt %eaaoJd towea aM yl 'asp auoaJUOe Aq rues y uane alaAa Buylp ayt Buunp P@AIBaw s4oaya ye of sa!Mda wllszuoylne sN1 ~'4Iaeya e4l Lo turows ayl JOy Wnaoe Hueq JnoA only tpap Jeysue» ouoJWep awn-an a etlaw of m azuolpne noA '(s)llaaya a an puss noA uayM 'wauLAed JnoA Buuedwd Usyn+ •ale 'sd!p Jaded 'sepals esn loo op aseab ~sAepryoy Buynlaxe ' elllnteg yBrolyl Aspuopy ale sAep sseunlnq Jnp 'uJayi anlaaeJ aM ep alp to se patlpaia eq 1aJ Aew uuoL Jeylo Aue ul Jo utn¢aol Jayto Aus 1e sn Aq panpaaJ e3uauNed 'AJanyap Irtsad JoL sAap ssau(srp (g) any tseal to Mope as@ald 'U,i ueou Z t) 13 'w'd E Aq Jaltna bulssaooJ Jro u( panpaaJ s( 1uawAed JnoA fZl pue adolanw aauvuluJw pasolaw a4t ul >faalp moA pus tuaunlats apt to uo!uod unuoq ayt puns rnA (l l papymd 'µ aApaw evd. Aep ssaupnq aW to ae IuJOOOe JnoA of petpwa aq INn m of I!ew noA sunuNad :eopaN 11e4JrAly ~IVS-I~lto alo leude~ EOOZ a 'PaveeaJ stybp Ily •uoncelpoda~to0 lapuoup sup leµdep;o Wew Dawes Dwaut, w Allwd a ¢! sup lellde0 'woa'auolJn, ea'MMM le alregaM mo ens :w!Wawld Aaenud wgewro)+e suoda+a sup pt}de0 s7unoaae plea zpan-uou rsauysnq of AFdda Fou soap = sturwaae Area NpaJa-uW JaumsJw of A/dde )w SaoQ ~. aallap+ndewlW Ile llb}s Ol JagUgww a6rald (•aseyaJnd;o wpaool Jo lunouJe;o ceapleBw palenoa wa sas@+plnd rye 'caaWas Jo Auadoltl atp loy lwauasluanpe ayt noA papaw aM i! JO 'wety'waw sap wwado to umo aM;p 'ssappe Wlpew JnoA;o sellw OOl uNU+I la alr)s away Jno% UI spew sBM asvtplnd ayl PUB 00'054 ueyt slow seM aaPd a6r+Wnd ayi uaty+. Arlo aroyaalwd spy anv4 roA 'seaWae to Auatlwd ayl w arp llJrowe BuulawaJ ayl Aed of loo llpp ap array Avw noA 'JUeyaJaw ayl 41!M uJapold a4t wauoa of fitly) Pv°e W P@P3 grey noA pub pJro tpwa a altun pasrywM noA lvyl soaWas Jo AuadoJd yo A1!Imb ayl 41L++ walgold a onay rwJ. 11 saseyoJry PJB'J ipel0 Jod a1W lvpedS ~'t 'uopsanb roA ItJnOwe a41 taalPa of wnae Aus aJJII t Jo wanbu pp sv nM uodaJ toww av. ' tearib JrJal aleBrlsanul aM alpl/A 'uvltsaM u! wu ate tv4t IIN +~ to sued ayJ Aed m paleBNgo ZIPS we noA Inq 'tl dupaBltsonul eta aM apya+ w1uaM w lurow@ Aue Aed of array loo op roA 'lnoge wnsw ale rqA wall ayl yo wltdpasap a 'uolteuugW slow peso naA ;! to 'Jwla ue sl aJay1 analpq naA Atyn yo 'aplssod yl 'wneueldca ua pus Joua ayl to w!Iduasap a 'Jwla Inlaadwie ay/;o /tJnowa elpP a+lt 'JBgllllel wnoaoe pus auleu JIJOA :wgewla;w ~p'alpy v41 m anb 'Jauel InQA ul •Bllpu JrnA enlaswd loo Ilyn os Bupp uJq 'JaqusxJ swgapy laiuolsrp Jro Ipa uau roA paleadde wapwd Jo 1wW ap yapM w yq lwy ayl noA 3Ues aM Jaµe eAap Op ueyl Jelel ou nal only Jeay Jmw aM 'tuauntete aryl;o woJy ayt w umap sauMUJ Jo; scappe ayt to aprcsod se coos se hays atsiedas a w m of alprn 'lIN Jo wlWesuwJ a uo wpeuuoyul stow peso roA LI Jo 'BUOIM sl IM JnvA JIuM nM ll (1110 JrnA UrJq+t suolisanp 10 wou3 10 ase~ 1qY AtlVWWl1S S1HOItl ONIlll9 wrJnlPeU1 ppuealy JrwA woµ >faeq >Iaaya JnoA anpaaJ iau rylM noA Iwo '1wwAOd JnoA anneal aM Aep awes ap sa woe se illgaa6 Jp@q Jral only umwPVtlM aq Aew spu4 'Ja;6Uw1 Punt ar.alaap lie allow of Jlaaya JroA uJOJ; tJOneuuo;u! esn aM tKIIlryl 'wgaOGJeJ1 >faaap @ sa 1wlWOd ayt ~aawd of Jo iuwaae yueq JrnA way Jaysuwt P+s4 at.JOJlaap awn-an a a:lew al tlaaga JfpA ua; ualeuuayul am t Jayip sn a:uoyme rwA 't+tauAed se gaxp a apynad a roA tJatJM 'ueeJeMJO~ Jpa+p apggeep 7wg11 bPaN '8 '6lgI3aB6U@J] Bulpwe8 tawalul Aue WlM ugJaetJwa u! Pam aq louuea wroaaa Jo pea Jrol~luJeeatl JnoA Ba4(1 'L 'anaq@ IJO+JUaP vv 114 ul P!vd uaaq say aanleq nrnaae ayl IPUn 'Mal A9 Pauxwad weixa a+p of 'paBJe+P aq o1 arxJU+JOa IWn Dal ap '1+nma6 JrgA Joy sal dNaJagwaw e sl wayl;l '3uauJAetl Joy apc+nrkaJ aq IIM+ noA pus 'lunoaae JnOA of pappe aq IIF'u aBJeW ayl lv 1Vlaue ayl 'Pauadow aq Ilpn ltJtpaoe JroA 'Pasop uaaq say 3+rJOaae JIJOA Jaµe lue+pJaw ayl ua; wyaesuwi eyl anpaw aM pus weJpJaw a IJa; aseapJntl a pazuayare roA;l 'apwexa lod 'PvvaP ~q MeaJle say µ;!.luwaa6 JnoA array JJM iaµa~ltJno~ae inoA w Buueadda eaBJeya ul IpsaJ Aew aryl 'luroaae ay1 asoP of lsanaJ JnaA 01 luar4JasQ16 pallnaUl ale Aayl JO llrgaaB ayl eeOp Ol leaMal nM aWp ayl le laJroaa@ InaA w 1@addv Aayl laylalyn epsgwe aeayl JOy apstndeaJ alv noA 'wroxe moA of paseasse easy Jaiyw Aue pus sea; aauenpe ysea 'saay weulAed pawnlaJ 'easy 3}w!Pano 'easy anp lead 'saBJeya aaueuy 'pazuoylne envy real swlWeetJeu Aua :BUpnlaul sn amo noA elunowe ye Aed noA Iplm Pasop aaqq to+l 1(vn uswaaa JnaA 'AyaJOlt}ppy 'wroaav JrnA uadoal of uollezuoylne JnoA aBlryo a;o ldpaa JaplstJOa IILM a++'sWawaBUwla euglp pazuoylnealtl pauea too op noA yl 'turoaae JroA 6u!sn asses pue 'Bv111N pezpoyu3eaJd pa pauea 'syaaya ssaaae Juroaae pus (s}pJ@a 1!Pala JnOA Awl6ep l6nw roA 'IUawPBtlep suolwlay Iawolm0 tno euglea Aq lurnaae 3noA esoP of u:enbaJ uea roA 'luraoey JroA rJwq nvA N '9 ~popad Aep-AUN1 atP Lo pus ay3 0l Jopd (say dpuegwaw ayl BuOnlaxal IpL u( ,aauepg MaN. JnoA Aad pus tuawuvda0 ewyvlay Jaunlsn~ Jrn Buplaa Aq sn A;gou lsnw rwA 'wnoaae JrJOA pauea o1 'aa; dNSlagwaw ayi A@tl w BUNey NOytN1 uuaaa@ IrnA am Ol aNnlwa Aew roA 'popad SNI BUpn0 'lUroaa@ 1roA pauea nOA ;! roA o1 palPap aa; yens array of Jo say ayl BuNed pane of rJOA of papaw 6eM wawalets slyt step ayt uJw; steep OE anry noA 'wawal@IS sp1 lv tool; ayl uo slaadtle aa; dpystagwaw a yl -saraw WnvA al~+++L.~'9 @M tel a to Jepwls Jo awes ay1 ssaese w ItyBp Jno Buul JnoyllM ro OI UOllvar}qW IOUd jJ1IXIlYN 6aa{ AUr es366e OI 1W 10 aAIBM Ol lyBp ayl and%al aM 'LwunalB@ IaUnl6ro 1nOA LO 6w1a1 ayl Japu~ 'poPad BuIIIW Aue BuPnp maao lays way palcll sea; ayl ;o aNl ueyi slow ou passasse aq pIM lun@oae moA •wad rJ.uwd v+wa Poe 1P+9or+~0 'eel as r+Wa»rv .y ylww tpea poPad Bu!pN JnoA;o Aep 1sJy a4t w angaaµv aq Ip^'+ saWaya aeayl •nal of IJasopsp AlsrwLnaJd uOlew ayt mltl ?pro/' 1aa4S tlrM aql ul IJarloy se 'saayul paters atp w pauea asewaap Jo asewaul Avw ppuuc ApWOw Alen Asw S31Vtl 3'JV1N30i13d IVfYJNV BuyuotlsaJJOa pus eateJ apopatl atp '(s)alty a uad ayt o1 Rau wawatets JnaA ;a u,a„ ayl w r,ea~ae' fnNtuaw PvaPdatl aosn 'ow-EI 0 Jo (tl08II1 'ow- U d '(awud} Q alJm ayt LI 'a 'lagoWp pue '+pf 'Ipdy •Nerwiel• sylww ayl ul BuPw 3Uawatela apopad JnoA Aq paianoa ppoound Bulgp JIJOA to AeP wy ap w anliaaµa aq IIM eaBueap asayl 'noA o1 pasopsy Almouwd uBJaw aP snld %euJrw~ !saps I/rM ayl ul p+rloy se 'seagxJl pawls ayl w paseq aseaJaap Jo aseaJaul Aew pus APavonb Alen Aew S31Yd 3'JV1N30H3d lV(Y1NY BUrplnd6OUO0 pU@ 631w agouatl mP •(61aleJ spouse ayl of Reu tuawalats slyl {o ttJOµ ayl w sJeadde (swpd plea>1ua01 S Jo '(llsotlap yo weay!uaj1 O'IUOyII 'ow-EI l 'Pwud! d epos ayl 11 '9 'lwwa161s syt yo tuoµ ap w .tldV. se Jradde Aew stay a6etuawad lrnuuy, oust ayl 'e ~twwBas tpe~aVos~legsl4epe a~BeJ~ E ayl m san¢ sNl 'P@patl Bu111N ayt ul cAep yo Jagwnu yarn wwsx~iJeAq vAMn4 pue polled BuII1N a1R Jo; IwuJBes 1 lap IIW ayi Ile do ppe aJn 'uayl ~1ww6as 4ara M aauvleq AI!aP alt m sanlB sN1 l'lw yeas }o aawleq ayi w papnpul aBJeya aoueuy ppdun Aw WeJI[IJs oep aM ,'ol Pv!IddN a3eN aaualeO, 01 Rau µnwetels sNl la ww; ayt w weadde N epos ayl 111 'stpnJa Jo slwuLled Aue Wwl¢YS P+le 'Waubes 4aea m swyaesurn Mau Aue pyre 'Aep yeas IJnulBas tpea yo aaualeq Duw8Oq ayi spat aM 'lwunl@ts spl Aq pwanoa pound Bulll. ayl JoL aauel@q Apep a0eJane ayt u)elgo 01 'stet agou~ ayt npglnw aM ,'al palpdy a1ejJ aauepg, Ot ixau iwunlwe aryl;o 1wµ ayy w eJeadde N JoZ epos all 11 '9 to I+lnwe ~Paesasce Ayanlae aBJap aa+rvuy e aq hewer pus wPelJapa sy1 wemlaq aauePen lyBgs aJayl 'seep Apep a w Buyurw w arJO ' Pad BWBN eery u! sAep yo Jaqunu ayt Aq Poe alw ayoPad ANSP eery Aq aauepxq AllelJ adeJa+e JIgA ApplJw 'eBJe+p aawuy pJlo1 JrnA welwlea of 'apAa BuyIN lwurp ayl ul eAep arp yo JagwsJ eyt Aq u11s ayl Bupuy pus JayWBot caaueleq AI!aP aP Ile Nppe A9 aauvpJq ,(pep aBwane ayt welolw aM 'saaJVpq Alpp ap w RrPPv 1@u we gww0es esapJntl PPadv Jo aseyaJnd JIJOA w leod W!4M suopaeaJan Mau 'li+nowa 3paJa a Jo waz seM aaueleq Mau JroA 11 Jo) Icy U! tuau9leJe mgnad JnoA w tJMOtys aouele{y MaN ayl Plod rroA yl 'lanarnoH -3UMaae xroA yo 3wu8% apes Jay aaueleq Apep alwedas asp sn sanp spl 'lwuBes ir+P al palraope we leyl Asp lo+P to w paleod slpwa Jo slwwAed mo Awuad Wwlgts uaW aM 'lUal$a6 uJw Jq aaalelaq s/~sp ap w pala/npa aBJeya oaueuy ayouad Aua pus buopaes+nJl Mau ue ppu pUe wauba6 apes Jo} aaueleq Buwpaq ayl a>le1 a++'lu,oaae JnnA;o weuBes +PVa Jo} aauvlaq ApaP aql laB of 'wnaoae JfnA Joy eaeya aaueuy ayopad Iwot ay3 le anlue of lwudrs Wes way wlnsw ayl trl 14v aM 'wauEes apes Ja} aBJap eaueuy ayopad JnoF, le anpJe o3 6w!iapnpa AI!aP asap yo sys;aJ atp do PPa aM 'poPed Kapp ap to Pua ayl 16 +nall '1wU6O6 yeas ;o aauepq 111ep ayi w Jtlgaae JnoA to iwwBae +PVa atw ayopad Apep ap Aplde aM 'popad BupIN a+P Bum v4 leap R)aply all lb 'roA of Ilasapsp Apsgnwd apnPad AIFP BaJpuodsauoa ayt Aq (astJyasxf lepads Poe 'JayaJwl lepadv 'aseapJnd 'aauenpe +Fra •.B'a) wnoaae etoA yo waubac apes io aawleq Apap ayl BuNIdpllw Aq9 Palvlnlea n aBJaya aaueuy 'e 'lseseyoJnd Mhl Q+!P4vu11 sO+lryeg ARSU oBeJSny 'Z uanO Auo ~~ do~IIN Ja} saOJap eaueu9 Its Ja Aue ssawe loo of upu ayt anlasai aM 'sbJe+p ea+wu,d u uo}lolJpsy AJSJOduvl 'P~ 'lllrlWae JInA;o wauiBae~ase+pmtl ayl of Pv11N a9 II!M aa+aaµy ayl pw urlwuw 05'0$ ap woy lunowe tap yaeJlgnc ryly, ar^'05'06 ~P seal cl !s)ww apopad JrwA yo wpealldde a+P oat BuliltsaJ aBJetp aaueuy lwoJ a+lt 11 'Paeodwl aq BN+ 05'04 l0 30Hb}iJ 301'1bNld Idol unu}µu a 'aBJeap aaw+N a of tavf4rva 1 lt+naae JnoA leyl popad Bullpq yeas Jol •~Ba+p ue4d ueelllyy4 'a 'llrloaay wloA ;0 1wu6ae apeapdde eery w PaPPV ale saBJap aaueuy PpbJ(1 '4Xnw sngnwd ap Jol as ap 3ou pq lrJq 'step 8ucop lUOUJWwe ixau eyt Aq waunlvis JrnA yo Ilnly ayl uo paleaytn aqualeg MaN aqua ayt Aed noA yl liana 'salLe+p aauay ai~no Iryls Aew noA leap waew eNl 'a14 u! p¢d s! aaueMJq P!vdut ayl lP+sl eauapq ped+rr JroA i arua~e of arlUquOa saBJeW aauauy try w pound Bu!Ipq srouaJd alp uJOµ ,aauel@q Mapl, ap Aed lw P9 Ja1;! 'MlewwlJpy 'P@Petl BaBI!q luaurn ayl yo Aep J@PwIPJ lwy ayl uay (E Ja 3VJWay JrwA of Paseaawd s! tlapae6Vw1 (I ~e+p ~aatJeu~ fZ Jo wpaesu@n ayt yo wary a+ll tuwy y Imssaseo ae pv}rad aawB e w laalgrre loo we yaµM swlWeauwl 'Ms+q eoueyd BigrweV 'q Mary, level aP Aed tali ap noA ;1 uoly-naJeil ~e w lJOpad ww6 ou sl wayl 'uoPppe 4 'aJalswJl lepeds IJw saaueMa ysva w poPa1 aaeJB ov s! wayl ~alep Bucop lwunlw6 1%aU JnoA Aq p3lpwa aq Ol L JO) aWp U IJUe 'MOIaQ s1wUJAVtl lal BagOp) 1U@LOdWI aP yµM aaUaplOaa@ UI ' eauelv9 MaN. Iwol JrnA Aed noA L! sa4teap Jape Mai lwv saeapJM lepads Mau 'sJayeueJl aauelaq Mau ' nd Mau w eel y 11by11M ;o poP~aO ~JB unwu(w a aney~}M rnA 'Food soap 'v ,~ IJrMSeJ srptJ py •llJSJlI Jwyws pJrysbJ.tlpwpej • sl slip lel!ds0 •oul 'pe!MS e+r0 p~0 ~OBZ ®~laaµa pus aaol IIN ul uleww euopywa pue suual Jurpoay Jaylo IIY 'imoaae lrnA Bulsrl se AypeM IIN+ s>taaga asayl !ysvJ '1unOCne sup letdej Aue µo Aed Jo uMOp A of Pasn aq lowed s4aaya asayl. 'aeL yaa+q PauuJlay a Passasse aq Aew naA pus pladun patJx+WJ aq p!M t7aaya xlo/. 'petals se 11ndJJro loo s! tuloaae JnaJ. Jo apallanam s! opals ayl LI 'PasJaaad el u aw!1 ayt uJ swllaepoa u! Jo 'arp lsetl 'AeM Aue ul paWUlsa s! iuroaae JrJOA;! arty Aµeuad Jatply a 1v paseaoold as Aaw to pasewold aq toU Asw >faaya ay1 pus 'u+JOaae JrW ;o oriels wauro ayi o1 Walgls osle sl aauetdaaae Aew ti w slua~~ mM saeseaoJd sup lrleJ Aep ayi w 1pJaW apellane ayl an@y Jmw noA os 'A111pellene 19a1a of Walgns ate s>faaya asagl ~swel8wd pp emw Aus Jo; A;lprtb iou Ina 1, upuawa Aue pus lwwaa~y auwtm0 JnoA yo sW1a3 ay1 01 BuyJOOae saselpJnd se pateaJl aq IIYn syaaya payaeue ayl :s>fae+p Jna4 BupJSBeJ +ayewJS'14 Wvilvenl. W ? W ~y N 7 S Z {- O 3~ o~ J I- W F m y 2 _Z ~ J N Q O U Z d ~ ? F LL N Q W H Q Q 3> ~¢ ow Z N O W t] NN q) ~~ O ~ 3 u' J ~ O S .~t929t~OL9h259Q:~QLL900~50:~ .It5QL0t.ll amleu6is - ------- ----'---- -owaW ~aPIoyPJe7 b'/I puowy~/a ~"°'lllt~p~ ~pay7 asnyvnd ~~~ 99f tOZ 90.ObZ90 Ot5/LL9-89 58LOL • ~3NI1031Vk10jN3d 9NOltl lItl310Ntl OlOi'H~tl130 Ol I SJdS AIIOH 1W 3nV 3NIFi18t Adv~nn ~ Nllsnr ~s~~ay~ asayt 6wsn ~o suo13ipuo~ pue swam ayt ~o~ aprs asaana~ aas aseaid„ ua~o#s ao ~so~ Cana aa,~ay~ ;i /~i~igei~ pnea~ p$ y~inn pa~~a~oad aye s~7ay7 mo,~ . pa~da»e },uaae spae7 ~ipaa~ a,laynn s~7ay7 asn ue7 nod . aa; uoi~~esue~; ou s,a~ayl . Sn7d ~asooy~ nol~ aana;eynn ao agap~enn nnau a 'uoi}e7en a ~o} ~(ed . sp~e~;ipa~7 }da»e ~,uop ~ay~ ~~ uana-auoL(ue ao s~apino.ld a~in~as 'sao}~e~luo~ ~(ed . s}~afoad luaulanadl.ui awoy anon( a~~7e1 . s~~iq uoi;m} ~ooy7s ao swmwa~d a~ue~nsw .lano~ . sa7ue~eq a}e~-~sa~a~w-~ay6iy ~}o ~(ed . :a~~~ p,noLt ~tenn ~(ue „s~~ay~ asey~.lnd .InoLs ash ~sasey~and uo ~a6 ~(I~uaaam nog( add ~eaa6 awes aye ~lofua pue s~~ay~ asay~ asn ue~ not '~aploypae~ paaaa~aad a sy `JlaH3M J NllSflf z 1~ z a~a ~~/~~~.~ iap;oyp~eo aup /e;/deb pan;en a se not o; a;ge;iene sao/n~as pue s;onpold a~gen;en ay;;noge avow wea; o; pue uor;ewio;u~;unoooe ~no~f ao~ 3uawaae3s s,y~uow ~xau ~~ay~ o; aLns ag ;~iopo; 6£6L-9L~i-LLg-z «n7 ~aup'Je;ides y~iM 8ulnes ;~e~s pue sa~ue~eq ~a;sueal f~~enn ;, uop os'SOOZ/8Z/ZO uo a~rdxa ~lun sx7ay7 >no~ ~~fenne ~y6u way; ash ~fsea ~ey~ s,;~-~7ay7 gay;o ~fue any asn o~;al~eM ~o asind ~no~f ur way; ;nd nno~aq pue anoge wo~~ s~7ay) asey7~nd aye y7e~ap ~s~~3Ha 3seH~and anon 35f1 Ol AStJ3 5,11 • 3NI1031tltlOJU3d ONOltl tlV310Ntl OlOJ'H~tl13001 .11929~tOL9h259Q:iQLL900t50:~ •tlhaLOt.tl amleu6i5 _ ~aPIoyPJe7 owaW Y~ Fuowyoia ~""'V~~ ~~ay7 asoy~in,/ C~ 99f LOZ 90.ObZ94 OLS/LL9-89 ~8LOG I SrJdS AIIOH 1W 3nV 3NIFJ18t Ad~nn ~ Nllsnr N y ~ w I=- ~ ~ O O _ J ~ W ~ IL ~ 2 w C7 Z y Q O i a< ~ z a" r~ mo •LL W p F W ~ ~ W 3 ~ ~ N 0 Q Z parzaarar tty%it j~~ '~~mu annvt p~aasnBai ,Cjjnvpaf n rr aup ~ntrdnJ ~uj 'ustruas aup 7mrdtrJ SOOZ ~ '1UT10JJE 1noA 9tllsn S'L' A31(Enb ((IM S~JaI(J asay7 ~UlySe'J 'luno:)ae an0 (Eyfd¢J AUE.iIU AEd :lo amop Aid o~ pasn aq ~ouueo s~oaya asayl ~aaj ~aay~ pawn~a~ a passasse aq Aew noA pue pledun pauin~al aq ((Im ~aaya anoA 'pa~e~s se ~uavno you sl ~unmoe moA ao a(ge(!eneun sI ~Ipa~o a[p y(~passaao.ld sr ~! awn ayi ie suorna((oo u! io 'anp used ~Cem Ave m paixi~sai s! mno»e moA31 a~x~ Ayeuad ,ays!y a ~e passswld aq Arw to passaxud aq iou AeW .yaaya ayi pue '~uno»e moA}o s~ugs ~uann~ ayi w ioafgns os(e s! aoue~dane ~oayJ .~~~ moA sxsaaosd aun ~idz7 Aep xp uo upa.Ia a(ge(mne aye aney isnm noA os :6ylgepene i!paio of »afgns am s~aaip payoeue ayZ •swe~~o~d pienw Aue ao~ Ajyenb you Asw mq ~I o~ siuawpuaule Ave pvr, Iuaulaa~Sd aawo~sn~ xno,<lo swiaa ayi o~ gvlp~orn saseyamd se paean aq p!m s~aaya payaene ayy , iAl!(!q!xa!l pue s&u!nes 7alea~8 col mou ways asn os •~aayJ aseyamd yaealo dol ayl le paluud s! alep uo!lea!dxa ayl'saA ~tl ~a~ldxa aana ~4J ~ywnd 7~u711lM ca •lunoaae aup (el!deJ mob ssaaae of s>IaayJ aseyamd Su!sn col aal uoilaesue7l ou s! a~ayl :y Taal uotlaesueq a aiayl sl a •spaea 1!pa~a ldaaae l,uop leyl saaeid le wayl asn uana uea noA •s~!aaya (euosiad ie(n8ai moA asn A(lewaou p,noA~ana~aym palda»e are s~aayJ aseyamd ~tl Fpalda»e s„aayJ aseywnd aye aiayM ca •la8pnq moA a8euew pue Su(puads moA weal of ~aisea uana aq p!m 3! 'luawal¢ls auo uo aayla8ol saseyamd ~aaya pue plea moA 43oq 43!m puy •luawalels moA uo saseyamd se ~eadde (pm slunowe >IaayJ aseyamd moA ~tl ~lunoaae ~w o; paptq s~aayJ aseyvnd Aw aae moH •aaua!uanuoa pue asea ~aleaa8 iol a>lew of luauuted auo lsnl aney p,no,( ygap Swlepgosuoa Aq'A(puoaa5 •adtl aseyvnd lua7ma mo63e pea aup (el(deJ mol! of saaue!eq alea-lsaaalu(•7ay8!y &u!a7alsuea3 Aq Aauow apes uea noA'Iielo ls~!~ :y ~lgap alept!osuoo of s~aayJ asey>Jnd ~tw asn ol3ueM I pinom II4M ca •sueol pue sp~ea 1!Pa7a ~aylo woal lgap alep!(osuoa of s! s~{aayJ aseyamd mo/ilo a8eluenpe a~el of Aem ~aylouy •luno»e Su(~aaya moA olul 118u(1lsodap ao luawanoadwl awoy aolew a Eu!~ew `saylop mau 70l Swddoys aa,noA aaylaym - 8u!y3Aue iol s>taayJ aseyamd anoA asn uea noA'saA :y 23uexl 11e43 ~(eM 7f ue s>IaayJ aseyamd Aw asn Apeau ! ueJ :a •saseyamd uo Aofua Aµuaa~m no7(ydy awes ayl an(aaa~ p!m noA ~tl is~ayJ aseyamd ~(w asn t uayM Atdde -!M alai lsaaalu(leyM a X10 ~~r-d suo~.~sanb pa~sn ~(j.~uanbar~ o~ saaMSUy W 2 J _y ~ S ~ /~ 7 3z 0 of w~ m Z ai C7 Z N ~ U O Z a c ~ z Q LL ~ ~ - W H W Q ? 3N F Q Z O V [gyp N :U ~~ 0 U U U' W 2 U) 0 z w O O a 0 Cf1 Q Q J Q W p W LL ~ado~anva parotaua ay; ur rrvvr puv 4uvg au0 jv;rdaJ o; argv~ dapvus rapro ,fauovs ro 4nyr.vioFuo vgvsnu ;unooro moFa;run arnald ~~~nu~~r~~~ui~nlrlulrlluillunli~mlluu~~~ur~~~url ~ o° Iilnlluillulrllmu~llurl'urlfnll6lui~~r~ur~~n~~~u~ bbTT-590LT Kd SOdS x'I'IOH ,LW ~ ~ 9LZEZ KA 'puowq~?~ J 3AK 3NI2LL 6T ~ °` ~r~~~~~01~°1~~°1~~~ L6T58 Xofl 'O'd 7C2Pd3M ~ Nls.snr Koss au0 Ted?ae~ L 2I3HWf1N QI 'IIKW #08669005L99T5006# ~ 6001f0000Z£0099Z906 66 9Z9L1OG97Z9fZ98h 0 0000000 ~ 9Z9T-LOL9-4Z9£-2984 aagwuNllunwatl auogd arew~Iy avoyd awol.{ ~~ Y pasoTaua Izloy dIZ nnS /a~~ SOOZ `6T VoRLk area ana maw.(ed '"dd uaag 00'I£S ana mnoury wnurtmy~ ?'u'31O14 JD 148urm ),a,.,9vuy,irc,~-a ~rs,.ppa8uywu;su.d,m ~d 99'Z90 IT- aouzleg maN • .LN3WAtld H.IfM MOl'dfl NOI.12lOd N~IfTJ.3N 3Stl3ld ",6IZ'S poraad sn{7 patldde ~.Lb'2I ~~V.LN~~tI3d 7dfINAIV 00'f 9600' 9600000' £8'SZSf SiI33SN6TI.I'IblJ3dS 00'S %50'TZ d96G9LS0' 00'f HSb'J S L '4f %St 'O I d%T8GZ0' T6'455f S3StlHOtlfld d~ yy ` ~ 8 ~ ~~ a;nr 'uP:i~ u~ra++o :P ~ J :P°!Bd ~•!vS uormauoj¢r tuara~iur aofapttauanat asramald saS~eq~ a~uem3 ~~ N N S[OS-SBZ£Z tlA •puowyar8 q~Q yA •puowyuZl STO58 xo8"O'd LbT58 ~8'O'd siorraag sup jenuleJ sa+u~raS sup TnTda~ 8ursra+ord aausymua3 ~~V :01 »rrmbm~ puog :off siuauc.Ced puog OLOL-SS6-008-i prs+ uato7s ro rxot s uodu of ro suor;alaZj nwoim~ pw oy a~cn:as mo Tb1 V£'L£6Y q~0 m3 uParO a[get1eAb. 000`ZY gse0 ro; auc-I 1lpat0 V£'L£6$ upaz0 algel1eAb' l~oZ 000`ZY am7 1[par0 paoy SOOZ `6T Ya~Y4 ales ana tuaw,ied 00'i£Y ana iunourb~ wnurcucy~ 99'Z90`t$ aaveleg malt' tR'SY b'd 021dS ~l7'IOH .LW 6ZEZ0000 Z.L3dHS Z£ZO q3d 90 Z saonaesusaZ 8L'T3 ' sa8xeg0 aaueu{3 T8 Sf suoq~esueil, 00'Z£Y smawTSnfptl pus s3cpar0'sluaw,fed -00'Z£Y ROrL7IPIVH,L - a8AI3032i ,I,N3NGIb'd 8d.3 ZI I LO'V80'LS aaueteg snomard sTUaunsmpy pus s~Ipaa~'wuau~.fed S Tunoxb/ Z ;o t abed 9Z9t-TOL9-4Z9E-2986 SOOZ `6T g33 - OZ rltlj SNROOOV USIA Y~IRAII.Lb"7d F'~ •11929t~OZ9'~259~:~gLZ900t50:~ .1196Z0't.ll amleu615 oway~ raPloyPa~ ~~,,^^ tltlb'A. ~puowy~ry ~"r'l.I~~GJ ~~ay0 asey»nd s~ello0 C ~ ~ }o ~ap~o aye of fed oov99s zo-/vz9o 0 t5/LL9-89 96LO1 5002/lE/CO sandx3 aae0 bb l l -990L l ~/d SJdS AIIOH 1W 3AV' 3NIkl1 6l A!!t/3M ~J NllSflf azuoytne noA 't suet a aseootd lowe> am 'oleo teylo to µetp laded a 'Haeya ayl Buren Uno:»e >fueq moA teule8e aBley> v etlew of en el yi ll 'asp auoawos Aq wee l) uena apA> Bugle all Buunp Ponsaom el~p Ile of selpda uollezuolpne s!yl ~'~IIaay> ayt {o tvawe ayl tol urro»e >tueq mod oat 1!gBP talwelt olratl>ep ewll-aa a a>Iew of en ezuoylna nod '(s) >ayo a sn puns nod ueyryl •1uetWed rood 8uuedomd uayA •019 'sdlp Ceded 'sepals esn lw op ease 'BABP!IOU Bugxyoxe '~epmteS yBrotyi Aepuopl ate sAep sseulBM trlp weyi Bnre>w am Asp ayt to se petpeta aeqq Sou A@w uuol tayio Aue ul to uone>ol teyto Aue LB sn Aq peneaet eluauNed 'AlanllaP latsod to; sAep ssaulsnq (q) any uaal to molls aseald '(ld uoou ZLI J3 'w'd E Aq roua> Buresa>old Jro ul panu>al sl waulAed load ~(Z) piss adopnua awewwat pasopw ayt ul >f>eyo trod pus wewatets apt to uoyod uauoq ayl puce roA (ll P6puwd 'y anpaw am dap sswlsnq ay1 to se turro>oe inoA om palpate aq IINt sn w I!ew roA stuautAed :segep 1ue31edul )Ib9lpl l0 sup lel[dap aµde EOOZ a 'Ponasai aupu l 'uonetodla,) lenuwy sup I p to &ew a>was pomals~l Alletapel a el altp lende0 •ua>'auola, eo',wnm le auegam tro ass ~uolwawld A>enud uo0elwolul suoddre w0 lei, ep rtunoaae plea 1:P6~-uov ssarnszp of A/dda t«J soap t sluzroaae prea ypu~a-uau ruwnsvm of A/ode !w soap ,~ 'aaaplrodsalloo lle Ible of tagwausl assay ('aseyatnd to uoyewl ro lunowe;o ssapta6al pwanoa ae saseywnd pe 'saoyuas to Au td ali Col lualuasryanpe ayl trod Pell@W aM ll l0 'lUeyalaW ayl alwadD to uwto eat 111 'BBatPPe Bulpew rood to salnu OOL uryµm to aw16 away JfroA W apaw sem asetPlmd aj3 pus 00'095 ueyt wow sem aapd acetplnd ayl uaym Apo uonaalwd ewa~nvy roA 'seayuae to Auadwd ayl uo arq Coro W Buul ayl Aad of Iw tyBP alp nay Aaw roA tueyw ayl ytlm uapotd aP wauoa of yllel pooB ul paµt atey naA piss Plea tplola a ylN+ pesalwnd nod leyt swyuas Auadold to Aµ1Brb ayl 4µm wapoJd a array nod II saseyatnd PtBp 1paJ0 Joj apyl lel>adS ~'t tsanb roA turowe ayl walpa of uolwe Aus a>let to luanlxilpp nM uotlal IawPJ ari. 'uopsanb load waBPSanul am allyryt 'uopsanb ul I~ ale Ia41 I!q 1roA to sued ayt Aad w pw IW Ilpe wv Aue A nol un~l3 ~ltsa'.ul ale av. alµn uoltsanb ul tunowe ay ap roA 'Inoge plnsw w@ roA uroµ ayl l0 UplldPa6aP P 'wpauuolUl aloW Paw rbA ll la .'lOlro UP way! 6na!pq nod Alpn io 'aplesod ll 'w!lwaldtca ue pus oua ayl to w!ltluasap @ 'loth pawadsrls ay1 to lurowe 1 61pP all 'laquinu wnoaae pus aww mod ' oaeuuol Buw.olpl a43 sn anlB 'laual load ul 'sµlBU 1raA anlasald lw~plm os Bunp trq 'laqunu wollepy Jawotsn~ Jno IIB' u@a roA 'pweadtle wapwd to loos ayl 4ap'n Ilo IIp tomy ayl nod Pas am laµe sAep 09 ueyt lalel w naA ulwl leay Canty 6M~'wawawts spl 60 loaf ayl uo umoys a unbul lol pee ayt le app od se uoos se hays tvledas sn w atPm 'IIp to uopaewwl @ uo uopeuao/ul crow Paw roA µ to 'Balm sl Ilry rood >fW41 nM ll (IIH3 1roA Inogy swµswp lp omwl3 10 ase~ all ANVWW(IS S1Hpltl pNilll9 'uorwnsw lepuny JnoA uroJl tlaaq yaay> JnoA anpaw wt, II!m rroA pus 'lueulAed JrroA anpaom am Asp awes ap sa uoas ea lurroaae tluaq JnoA way umompplm aq Aew spay 'Jalwwl pool auwlaap ue a>faw w tlaap x1oA ulwl uoneuuolul sal sin ualltyl vwwewwt >I>ap a se tueuNad aµ ssaawd ol~o tunwae tlueq JnoA way lalwoml pry >rywlaop a p-alto a ayBW of tlaalp JrroA Uqy UOrlaU11e1V1 asn of lope sn alpoyne roA 'luaulAed sa yaay> a apyold rroA uayrA 'ueRwmsrJ >1BBy0 Bluo.posp ~ BBpast 'B p>ewat Bulpwe8 wwawl Aue ylytn ugwawa> ul peso W towe> linooae to pica 1roA'7lneeeV rtBA BWBfI 'L 'anage P6uyap se Ify ul Pled uaaq say awaleq wrlw>e ayl Ina 'mel Aq peuwlad waixa ayl w 'PaBlap aq w QMg1uw pw, aai aW 'wnwae JnoA Cal sal dpvequaw e sl wale µ 'twulAed lo; appuodsw aq II!m roA Pue 'turro>ae lrroA of peeps aq Ilpn a&elp ayl to !arrows aµ paatlow aq elm lurroaae 1rroA 'pasop uaaq say wrrooae IIroA lays luapJaw ay3 uay uonaewom3 ayt anpow am piss wapJaw a ulw; aseywnd a pazua4ule trod ll 'apwaca Joj_pasap uaaq Apewle 664 3! l! wnwae rood aney nod laµe l~waaa mod uo Buueadde sa8leyo ul testy Aaw aryl 'lwwae ayt stop o3 leanbw rood 03 luanbasgne palm>ul wa hays to lunoa>e ay1 esop of 1saMw roA awe ay1 le Juno>ae trtoA uo Jeadde Aayl laylaym 611rrowe asayl Jol aplswdeal w@ roA ~turowe rood of passasse sea( taylo Aue We seal aouenpe yse> 'sea) tuawA@d pawnwl 'seal 1lwlPano 'seal anp wed 'saBteya awwµ 'pazuoytne aney nod suonaesuey Aue :Bulpnpu! sri amo iloA swnows Ile Aad roA I!wn pissolI> aq lw IHwt wnoaae rood 'Apew!i!PPV '1W10»e 1roA uadow o1 wl3ezuoytne mod apteya a to idp>eJ laplswo IIP+ am 'sluauapuaue Bu!Ilq Pazuoylneatd pause tau ap nod ll 'IUrlOaae 1rroA dulsn asew pus '!Illy pazpoynewd Ile ease 's>faay> ssa>oa luroaae pus p)pao tlpaw load Awlsap lsnw roA 'tuawuadan suoµ@lay lalJatsnp tom BuPlea Aq lwlmae 1 esop of tBaMw ueo roA •pnaootl rIBA BBq~ neA µ '9 'poPad AeP-AVNl eyi to pun ayi of lopA foal dlyslagwew a43 8upnpxa) Ipl u! aoueleg map, mod Aed pus luawuedap swpepp lawolsrr~ too Bulpea Aq sn A;qou lsnw nod 'lurroaae load p>ue> o f •aal dlywagwaw yl Aad of BuHey lnoylwt tlnmae trod asn w arwliuo> Aaw nod 'pound apt Bliun0 'lleroo>e mod laauea nod y nod w Pompwa sal flans array of to sal ayl Bolded prone w nod of papaw sem luawalats spl step ayl wall sAep OE array nod 'wawalets apt 1o wall a41 uo omeatlde sal tlryomaqulaw a ll lrrroae W nBA 9 p fatal as ta+ 1@Ilwre to awos aIll esasse of WBp loo Buy,!em lroylpn rroA of uopeoyllw JoPtl troyllm seal Aue ssasse w tau to anlem w tyBp ayl anJasw am tuawaal8@ lawolsn> 1roA to suual a4l Japu0 'POpatl Bullll9 Aue BUIInP lroao leyi nay p6ts11 seal ayt {o om1 ueyl wow w passasse aq IIMt tyro»o mod 'BBB! sltswABd Psusgy Pue l!uBtsW 'pal W ?wttlsaeesV '9 Ulww y>ea popad Bulpp load to Asp lomy ayt uo anpaaµa aq pltt sa6uatp assay 'roA of pasolasp Apno)nw0 ualew ayl BrtMt '16+JJZ+o/'taayS !/sM 641 u( pistol sa 's6agwl pawls ayl w paseq a6eal>ap to asewwl Aew pus Aryluow Nen saleW 531t~ 3pV1N30tl3d 7VfTJNV Bupuotlswtw pus pop alt '(B)ale! >popad ayt w Ixw Ilaulatels lna4 to Iwy ayl UD omeadde (Arytwry P6oPd6tl tlO5f1 ~om-E) p to 1tl0911 ~ow-LI d 'lowed) 0 aPOa a4t )I ~> ~Jagotap pus Alnr 'pdy 'Newer sytww alt u( Bupua tuawalets apouad 1roA Aq patanw ppoo ad Buylp 1noA~o AeP lay ayl uo anuae{la aq pyn saBueyo asap, A of pasopep Alwwinwd u81ew aµ sold 'taUrzror taaJZS //aM a41 u; p+l6l se 'sa>Ipll petals ay1 w peseq aseaJaap to asewwl Aew pun Apaualb Alen Aew S31W 3pViN3ptl3d lVf1NNV Bupllodeauoa pus salty apouatl ayl '(slalom >popatl a4l of pw 3wwaels apt to wall ayt w omeadd@ (aapd peailueg) S to '(µsotla0 to ate>!1!uap) p'(lIO01l 'ow-E) l '(awud) d apo> 6y1 )I 'y luawatels spa to tool! ap uo ,tldV. se leadde Aew atey aBatw»ad lerwuy', uUal ayl 'e 'INdVI Bpey BOplwewd IB+BroV 'E 'wauleas yaea /o aouelaq AIIBP apwane ayl sn sanl8 spl 'poµad Bu11Hy ayt W sABp to laqunu 1e1o1 ayt A9 aplnp pus popad BuIHN aP to; luaul& s yaea to! sawaleq AHeP ay1 Ile do pee am 'uay~ luaubas yaea to a>ueleq Allep ayt sn san18 all ('luaubae ya@a to aw@~eq ay1 W papnpul aBteya awwy pledrl Aue laellgns IB am ,'ol P6!I~V aley awvla0, of lzw wawatws sNt to tuol1 ay1 uo omeatlde N apm ayl iP 'slpwa to slwwAed nun wwlgre pun 'tuauaas wee of swPaasuwi mw Aue pee 'Asp yaea luautBae yaea ;o aweleq Busur9aq ay1 a>le1 am '1UauatelS set Aq pwanoo pound Buylp a4t Col a>ueleq Apep aBwane ayt ulelgo of 'aiom apou ap ApPM6 6m .'oJ. P6116d'd wee aauep5, w ixw luauatas Bpi io tuoy ayl w omeadde p JoZ apoa ayl;l 'q 'paesesse AHwwa aOJap awwy ;o turowe a41 piss wpelrolaa aryl uaamtaq awaµen t~Hs e aq Aew atayl 'sreeq Apep e w Bupuro of enp 'poPad &1HIN 6yl u! sAap to Jaquisl ayl Aq piss alw >pound AIlBP ap Aq aowleq AHap aBomene load Apyrlw 'aBletru awwy plal JroA alepalPJ of 'apFn BWtlN wauro ayt u( sAep ayl to Jagluu ayl A9 urls ayt Bupv.p piss JapaBOt sawepq Allep ayt pe Buppe Aq aweleq Al!BP aBomana ayt alelrnpa 6AA 'sawapq Alpp ayt w Peale lw we slwulpas asaplrld I@pads to 666+Wnd 1roA w !sad yopm swnaeaall mau '(wrowa lpwo a Jo waz sem awepq mal JrloA ll J) Imo} I tuaurolas srolneld 1froA uo u~noys awelag map) alp P!ad rod )I 'lanamoH 'luxirle load ;o luautBas tpea lo) pq Apap atomedes ayl sn sane aryl 'wauBac lap of pateoope ale 1BIP dap ley3 to se pweod etpw> Jo nuewAed Aue wellgtl6 uap aM '1Uw18% lap Cal aatelIW a flap srolnwd ayl w pala/olw :aBtelp awwy >popad Aua pus alopaeeVom3 mw Aue PPU pus ]wUba6 Wee lol aaala9 Buuur6eq ayl allel am 'wro>ae 1nM to waut0as tpw lol aaueleq AI!ep a,p 3aB of ':wrro>ae trroA lo) aBJap awwy apopad lelol 6y116 anpla w 1VauIB'.I6 Wo6 6twl Sllnew 6lP do pee aM 'tuawBas tpaa Ja) a0teap awwy >glouad 1110A u sows of swneHopP AI!eP asap io slpleal ay3 do pee am 'popad Ouryq ayt;o Pun alp le ua(1 'wauOas W B6 ;o awepq Iylep ayl w tulroa>e JIroA ;o waubas ,pea 1 ww >popad Apep ayt Aldde am 'popad Bulpp ap Buprp Aep yaea )o pw ap ly' 'rloA w Pasopsp Alaalnwd uaaq say 1aµ (s)alty apllpad Allep Bupuozaawo> ayt Aq (asetpJnd lepeds pus 'lals+Joml lepade' eywnd 'awenpa ysea "8'a) wro»e trod to wautBas tpea ;o aweleq AI!ep ap BuNldllliw Agg Pomeprole> sl aBleya awwy 'e •IsswWnd mBN BWpgoW) souepg Ape0 sBesny 'Z tanO Aue ~~ BuIHN Jol 6a0lBlp awwy ll@ Ja Aue Bs8686 lw o1 npp 6yt avasat aryl •sds3p aousuy u ualalpsy Awtodwsl 'P ~. 'lurwaae JfroA to lua asaplnd 6lp of pellp W IIN+ awwaµp aµ pus unwMw 05'05 eyt oral lurow@ 1 wellglls IB"n on+'05'0@ uap seal sl (s)a3w apopad load to uoPeaydde ayl way dµtpsw aBlap aauBUy lefty ayt )I 'PoBOdwl a4 IIKn 05'0$ l0 3p>!b'FIJ 3pftlVFlli Ina wnwrylw a 'a81e,p awwy e w taa(qu sl tunmae foal test Pouaa Bump ua@o ,oi •.6ley0 Beueyd llnupt0y ',~ 'xrlovy load /o ltawBas apeaHdde ay1 w pappa wa saBJap aauauy p6dufl 'Wuuw srrolnwd aµ ta) os ap wu Pp lrq 'else Bulsop 1U011a]Rle ixau ayt Aq luewatws 1rroA l0 fowl ap uo pelwgwl awepg map ompla aIP Aed nod ll uana 'saBlap wuwy amo errs Aew nod lap weave aryl 'Ify u( pled s! aweleq pledut ayl Inun aweHp pBOl+i 1froA of arua>e w aruploo sa0lalp awwy 'pry w poised BWIHq srolnw0 6rP uall eauepg map, ayt Aed iau pp nM Jl 'Apeuonppb 'popatl Bullle luauro ap to Asp tepuap> rely 641 way (E to 3uraaay JIroA o3 peseaaold el wµaesueJt ayl veep alp ulaµ (Z to arop>ewoml a ~)o aIBP aµ uay I L aeJOtp awwy passassa we popad ab e w wa(gls tom w@ WHNn suoµaesuoml •M~ll0 sasyd ~BV 'q maN, lero3 ayt Aed loo ap nod ll uopaealeil Aue Il1Wo eyed wel8 w el ways 'uoµppe ul 'omalal@n lepads pus sa>uenpe ysea uo Poised web a s! way! -arse Bursae wawatels lxw 1faA Aq palpom> aq of ll Joi aua u pus mopq swaw/ed Jol a>µopJ wauodwl ayl W!m aauaplaoae UI 'paueleg maN, lelot 1rroA Aad nod µ Ba&ap ,~ mw piss sasaptnd lepads mw 'welwwl awaleq 'sasaywnd mau uo adlap awwy lraytwt sAep 5Z io pouatl womB unwulw u array pw, roA 'PB!ed sostp 'off •s6wln saleu+ w sower o l ~pmisset sPpu HV 'µtou sowss pstslslBet AllewpsP e a sal) peyrlp 'oy 'ssanlsg s3rp IelMlep 9002 ®'waµa pus sal BBuu d of Iry ul unrww swylpuoo pus suual luraaoy layw IIV 'tuwaae load Buren se Al,l~ II!m s>faap esayl !ISa'J 'tunoaoa sup latldep Aue µo Aed to whop As of Paso aq towe> s>laaya assay '661 >laaq Paunlay a Oaesasse Aus uqi Asw trod piss P!adun pawnwt aq llvn goaya 1rroA 'palate s@ wauro loo s! luroaae 1roA to apapeneun s( tpwa ayl ll 'passaawd sl U awls ayl le swlwaryo> UI to 'are wed 'ABM pawutsa, s! urrooae load y wa Aµ d lalpp a to paseaowd eq Aew to Passaoold aq tau Asw :leap ayi pus 'wroaae load to snlets luauro yaay~ '>I>ap rood sassy>wd sup leldep Asp ayl uo lpala apepens ayl an isnw roA oc 'AU we a sea Wi t w e(g16 rile sl awaldaaae Asw lnq 1i o3 slwulpuawe Aue pun wawaat y tawotsn~ mod to suuol ayl of Buploaos seseywnd se Ipepene lpwa of laal9r"' s>laay yy 'swwaold pl w Aue loi A1,IeM wu patewt aq IIM+ syaayo payaeue ayl :ell»ys lrtut Blyts t uogewtyu luBllBAtllw W ? W .l y N ~ x 2 F 0 3F O ~ J r W F m ~ 2 _Z ~ J N Q O U 2 o. 6 ~ 2 LL m F O tC ~ 3> o w z m oW a ~ NN A `713 ~ 4l O i O 8 .11929ttOZ9h2598:~gZd900t50:~ .IIQ6LOt.ll asn;eu6ls owayy aaPloyPJe~ vn 'puowy~lb.""'V~~p~ ~payJ asay~nd :repoa 66ElOZ SOOZ/lS/EO sendx3 ao-1bZ90 O l S/LL9-89 86LOL a;ep • '3NIl O3LtlE0itl3d 9NUlV NV310Ntl OIOf'H;7VJ30 U1 ;o ~ap~o ay; o; ,(ed 44l 1-990L1 tld SJdS l~~~OH 1W 3Atl 3NIFi18 G ,ldtl3M J NllSnf ~s~~ay~ asay; 6ulsn;o suol;Ipuo~ pue swia; ay; ion apls asaanaJ aas aseald+ •w y; uisn Jo} aa; uo~;~esu J~ ou s,aaay~ pue 'ualo~s Jo;sol }i I(~iligei~ pneJ j pg y;inn pa~a~ad si ~~ay~ /~Jana 'aJOw s,~eyM •pa~da»e },uaJe spJe~ ~ipaJ~ aJaynn ~t~~epadsa pue 'pa~da~~e aJe s~~ay~ aJaynni(ue uJay; asn ue~ no], •~uno»e 6w~~ay~ Je~n6aJ Jno~t se asn o~ (sea pue a}es se ~snf aJe s~~ay~ asayl smd lasooy~ nod Jana;eynn Jo agOlpJpM MaU a 'UOI}e~eA a JO} lied . sp.le~ ~ipan;da»e;,uop ~(ay~ }i uana -auo~(ue Jo sJapinoJd a~inJas 'sJO;~eJ~uo~ ~(ed . s;~afoJd ;uauJanoadwi auJOy Jno~t a~~~el . slliq uoi}m; looyx Jo swmuJaJd a~ueJnsui Janos . sa~ue~eq a}eJ-~saJa~w-Jay614 }}o ~(ed . :all p,no~( L(enn ~(u2 ,~s~~ay~ asey~Jnd Jno~( ash ~aployp~eo eaup lel/de~ panlen a se nog( 07 algellene saorn~as pue slonpo~d algenlen ayl lnoge avow weal of pue uor,~ew~o~ul ~unoooe ano~(~o/ ;uawa3eis s, yauow 3xau ~/~aya of awns ag l~tvpo; 6~6C-9L~i-LLg-s 1107 ~au0 ~e;lde~ y~inn 8ulnes ~~e;s pue sa~ue~eq ~a;sueal i;rr;M j,uop os'SOOZ/~E/EO uo a~idxa i~rnn s>loa y~ mo,~ i~fenne ay6u waya asn ~isea ley3 s,ir-Xoayo Jay;o ~(ue a>ly asn o~;a~~enn ~o asJnd Jno~( ui ways;nd Mo~aq pue r""1 anoge woJ} isasey~.lnd uo ~a6 ~3 s~~ay~ asey»nd not ~ey~ add ~eaJ6 awes aye ~(ofua pue s~~ay~ ~ ~dbs aye y~e;aQ asay~ asn ue~ nog( hap~oypae~ paJaa}aad a sy Not~~~ `Aa~d3M J NllSflf -.• '33j NOI1~~dSNbRl1 ~N aNb~ 'S35`dHJ2lfld NO 139 f10A B~~S 3H1 H11M 3W0~ S~~3H~ 3S3H1 ~ .~'uQle~d~~ Z 1° Z aid • 3NI1031tltlOdtl3d ONOlY W310Ntl OlOJ'H]tl13001 •11929ttOL9h259Q:~Qdd900t50:~ .IId6dOt.ll asn;eu615 ~aPloyP~e~ >I~ay~ asoy~ired ~~`/^~ tltl.... o~~waW vrIWU ~~~ 66E lOZ ZO-1bZ90 O l5/LL9-89 L6LOL itfdM of to ~apio ay; o; bed 44l 1-590LL tld SJdS A~~OH 1W 3Atl 3NIFil 8l ,lkitl3M J NI1Sflf N W 2 J N ~ 2 tWli F ~ 3z oa J f W ~ m . Z h W ? N 0: U OZ as ~z LL F (t N (J ~LL F w 0: 3N O~ z O 0 pan vta~ uyXu jjy '~.rvus a~mvs pzlaxn8al,ijlvupaf v naup lairJtrJ seq 'n~tnvS ~u0 7m.'~l'J Si~OZ 'lun<n~e mo.S `dorm s~e .ijyenb 1i.H s~~ay~ asay7 S~rysep •~unoooe avp paidep .Cve ~o .fed ~o u.NOp ~(ed or pasn aq ~ouue~ s~a~y~ asayy ~aa3 ~~ay~ pawruag a passxse aq .feru no.( pue predan paum~ar aq lgm ~oay> mo~4 'pares se ruauro you sl mno»e mo.( io algclleneun sr ~Ipa~o acp31 ~passa~o~d sr n awn ayi ~e suonoallo~ ui so'anp used :fev..(ue ut pa~omsar s ~unooae mo6~i a~e~ drleuad ~ay3iy a ie pasra~oad ay .few io passaomd aq you e(ew ~~ayo ayl pue '~unm~e mof3o sn~e7s 7ua~~tu ayi o~ >7a(gns osle ai a~ue~dar~e ~~ay~ ~~»y~ moi sassaw.rd aup lende7.fep aye uo npai~ algelleae aye aney lsnw not os :Ciytgepene upai~ o> »afgns aae sspay~ pay~rni: ayL •sww~wd psemai .foe rod .L~yenb loo ,feW mq ~~ m sivaurpuawe .foe pve ~aawaarRy iawoisn7 ~nof 3o sw~a~ ay1 03 ~urp~o»e saseep~nd se paisau aq nrm s~aacp pay~eue aye , i~ll1!q!xay pue s8wnes aa3eaiS X03 nnou way3 asn o5 •~oay~ asey~ind yoea 3o do3 ay3 3e pa3uud s a3ep uoi3eildxa ay3'saA :y ~a~ldxa uana s>~ay~ asey~md /Iw 11~ •sp~e~ 3!Pa~~ lda»e 3,uop 3ey3 sa~eld 3e way3 asn uana ueo noA •s~~ay~ leuosiad ielnSa~ mort asn ~(pew~ou p,no%~ana~aym pa3dane are sSaay~ aseyaand ~tl Zpa3da»e s„oay~ aseywrrd aie a~ayM :a •3aSpnq mole a8euew pue 8ulpuads mo% ~oe~3 03 aalsea uana aq Minn 3! yuawa3e3s auo uo aay3aSo3 saseyumd ~~ayu pue paeo ano% y3oq y3!nn pay •3uawa3els ~nol~ uo saseyamd se ~eadde pine s3unowe S~ay~ asey»nd moA :y ~3unoooa ~tw o3 paplq s~pay~ aseyo~nd Rw aie enoH :a •a~uaiuanuo~ pue asea ia3eaiS ion anew ol3uaur/ied auo 35n1 aney II,noA `3gap Sul3epllosuo~ Aq'/~Ipuo~a5 •ady aseyoind 3uai~ro ~noA 3e p~e~ aup le3!de~ snort o3 sa~ueleq a3ea•lsaaa3m•~ay81y 8ul~~a~suei3 ~q Aauow anes ue~ no%'lle~o 3s~ij :y 3gap a3epposuoo 03 s~oay~ asey>Jnd dw asn o3 3ueM I Plnoen IIyM :a •sueol pue spae~ 31Pa~~ aay3o wad 3gap alep!losuw o3 sl s~oay~ asey~md mo%3o a8e3uenpe aSe3 03 Kenn ~ay3ouy •3unone Sunloaya ~noA o3ul 3! 8u131sodap ao 3uawanadwl awoy iolew a 8ul~ew 'say3ol~ nnau aol 8ulddoys aa,nort aay3aynn - Sul43rtue io3 s~~ay~ aseyoand inoA asn ueu no% •+>aA :d ~3ueen 13ey3 rte~a r(ue s~ay~ asey>,nd r(w asn /~pea~ I ue~ :a -3uno»e aup 1e31de~ inol~ ssar~e o3 s~~ay~ aseyomd Sulsn ao3 aa~ uol3uesuea3 ou sl ariyl Faal uol3~esue~3 a a~a41 sl •saseyomd uo rtolua 613uaLno noA 21dV awes ay3 anlaoa~ plnn noA :y Zs~pay~ aseywnd Aw asn 1 uayM Aldde Huai a3ei 3saia3ul 3eyM :a ~4J ~~~1d suoi.~sanb pa~sn ~f~.~uanba.~f o.~ sraMSU y N ~ 2 uwj F~ ~ 3z os J F- W ~ m ~ 2 N C7 ? N Q ~ U O Z O. ~ LL F- N O • W F W ~ ~ N O¢ Z N ~ ~~ 30 0 W 0 Z S W O C7 O tr O [L W Q y Q Q 2 W W LL ~ado~an,ua parolaua ay! ur l:mu pun rung au0 Jn!?dnJ o; algn~Cnd apvur vpra rCauow ro n?aya rxorf uo vgrunu;unmet vroFatrrm amald III~uulrlllrulnl~Inl~Ilu~Ilunlrlmllnufl'u~l~lu~' ~ bbLT-590LT Fid S`JdS A'I'IOH S.W ~ J 3AK HNI2iS 6T ~ `O d2TK3M J NIZSRP 2T3HWRN QI 'IIKW #T8bb9005L996L006# ~ ~'PPS'1!°w3 0 avogd a~eurxry auoyd awo}{ dI2 ~°jS L"~ * ~dy 1>aA$ Irlu'u~~~~~uur~~r~~urlrlur°~~°~~~~u~~~~mr~~un~~~~ 9TZ0-E~LTE9 OW 's>-noZ •~S Inlr'rullllnnull' 9TZ06L xOg O d ~tueg aup T2~TCI2p 9Z9L-i0L9-hZ9£-Z98h :agwnKtuno»tT ~~ Y paso(,ua teTOy SOOZ `6T t?rdy a7eQ ana 7uaw.(ed 00'T£Y ~~ ana tanoury wnur?u?y~I Z8'6£0 TY aoueteg Matt' ~>rr gmtq romrgFwm )aq ra.8uayrlinu.-r ~rrzppv Bu,rwutur.dam~ OOOL£OOOOI£OOZ86£Ol 6L 9Z961OL9hZ9£Z98h 0 0000000 • 1P13WAVd H1IM MO'139 NOI1NOd NOIf113a 3SV3"ld 965I'OT pound s?yt pagdde ~.I.ViI ~~V.I.N~~21~d'IVi]AINIV ZS'LS %ST'OT d%TSLZO' tt'066t S2i33SNbTI1'iHIJ3dS 00'S %50'iZ d%L9L50' 00'S HSb'O T 6f'6t %ST'O d%TSLZO' 9SYSSf S3StlHJURd y 8wp ~ ~~L~ g~ atos >,powd ~y pa»ddo a!°' fl8 uortnruzofur tanlrodw: mfap?r aruvs aar amald sa~seTl~ aatnu?3 spzoJaz mo.C zo3.(doa a daa>( pve mawateis mof tt1?M pasotJUa vonew:oju? lvetzodurz attl Mauaz asea?d ccorLtnaio3uI lunoaJd LUt:LT j STOS-SSZLZ b'A `P°OWY-'RI 9TZ0-6LiL9 ONI `smo-I -t$ STO58 ~~fi 'O'd 9TZ06L zog 'O'd swvsa8 au0 [snds0 ~uag auO le+'.dg0 8urssuord aousR!uratj :uuy :01 sarm+bur pang :01 stvauved pang OLOL-SS6-008-i prw unto;s ro isot s uodu o1 ro suone[+t[ rauio;sue Rw oy ao?n:as mo.C ttcl SI'096Y qse~ zo} tcpaz0 a[4ePeAb' 000`ZY yse~ zo3 auc-t y?par0 8T'096Y upaz0 algel1eAb' l~Oy 000`ZY aut71?paz~ tetoy SOOZ `6I t?rdy ateQ anQ Tuaw6ed 00'i£$ ana lunoury umur?u?y~t ZS'6£0`TY oJUelefi'"'N 9i'8Y sa8zeq~ aJUeu?d 00•Y suonJesuezy 00'T£$ szuaunsn[pd•puesi?paz0'szuaw.Ced -00'T EY IlOrl XAItlHl - Q3AI30d21,Lt~[3 W ldd ~Ib'NI EO t 99'Z90`TS aJUeteg sno?nazd s7uaun .Pd pue M?Pa•T~ `sLUa ed S tunosad Z.{o T abed 9Z9I-TOL9-bZ9E-Z98h SOOZ `6T bVL~I - OZ fi33 ,LNR000b- VSIA L~Tf1NI,Lb"Id ~a'~Id~-'~ .~~929~'tOZ9'~2598:~8ZZ900t50:~ .I~Z~Q[]t.ll aznyeu6is raPIo4PJe~ xoay) asey~.rnd oway~ Vn puowyJiy .~Or~~ SJP~~OQ ~o aapJO ayl of rfed ODb965 zo-zbz9o O l5/LL9-89 L1.80L 5002/OC/60 sandxj a~eo ~~~e~ bb l L -990L L t/d S'JdS AIIOH 1W 3AV 3NI!l161 Al1V3M ~J NllSflf 9 O m O N 2 m o a~ <f m a O y O m a y m s zs a9 z n y D y r ~ 2 Z ~ to - m -1 r G O _1 ~ O i 2 2 C y N r m = ten "Irrpartrrl irfrmalien rpar6rg pats shooks: The attached lacks will be treated as Wrdases acrordrg to the terms of your Customer Agreement aM any amerxYnems to it bet may rat qualify for any reward programs. These cheeks am subject to credt avaaabiliry, so you rotas have the availade credt on the day Capital One processes your check. Check acceptance is also abject to the current status of your account, and the dock may not be processed or may be processed et a higher penalty rete ii your accoum is restrined in any way, past due, or in ceNectiara at the time it is processed. Ii the cred'n is unavailade or year accent is rat curtent es stated, year check will be resumed unpaid and you may be assessed a Resumed Check fee. These checks cemot be used to y down or pay off any Capital One ecrotn[. CashnnQp tax lacks will quality as usirg your account. All ether Accaun tams and conditions remain in fill fora and effect. ®2004 Oapital Ono Sorviooa, Mo. Capital Otto u • fodratly rogistrad arviaa mrk. All riglda rarvad. t a. trans Priori. Vau will have a mirimun grace period of 25 doya withert finance large m rew punYases, raw belerae tmrefem, raw specal purtlases end new other Uarges if you pay your teal 'New Balarae', in eccordarae vwth the Importam Nodce for payments below, nd n tine for it [o be crt~ited by your next natrmem dosing date. There is ro gece period m cash adveraes and spedel tmrafem. In addtbn, dam Is ro grace period en any tmraectlen if you rb rot pay tie total 'New batarxx:.' h. Aomirg Firrrroo Chrgo. Trereactlore wNdt ere not farm~i that data of thea[ransaactla~or~fmm the date[he) [rareacdm is processed to your Arootnt or 31 from the first celadar deY of tM current WNirq period. Ad6tiorelly, if you rid rot paV the 'New Balance' from the Previan billing period in fill, firaroe laarges rnndnrse to accrue [o your ratpaid bdarao utdl da upaid balance is paid it ftll. This meare that you may niN owe frame charges, even if you pay tfa entire New Belarae kndceted m the front of your aatement by [Ise rea sratertaa doting dale, but did rot do x for the prevbtas month. Uryald finance ltargea added [o the appppNIi We sepnent of your Aa:orax. f' c. MHman Fkrrwo Chrgo. Far each billing period that ywr secant is abject [o a flrorae large, s miNmttrr total RNANCE dia.RGE of 90.50 wiN baep pimBposed. If [he tool flrerae large restating from Ne ts~i tlon of your periafic rate(s) is leas start 50,50, wo N subtract that morns from the 90.50 mklmrm and tta dffertnr will he bided to the purtlase xpt~ant of Wtu amen[. t d. Trtparary Roduation in Fnanoa tlrrga. We rexrve the dgm [o rat assess any or all firarae charges for any Avon billing period 2. Avrago Daily Balrroo fktolud'ng Naw Puehwosl. e. Finance charge is calWated by mJtiplNrg the r/aily balarae of eadr sogrnen[ of your eccant (e.g., cash dverxs, pruchex, specal trerefer, end spedel punyaxl by tfa corgi spratdirg daily pedodk rate(s) dot has been previasslY dsdoxd [o you. At the entl of each day l,drg the billing period, we apply doe drily pedafic re[e for each xpmerr of your ocean[ to the daily balance of eadh segnerat. Tire at Cho end of ire WNrrq period, we add up the resits of thex daily ralculatian to arrive et your palate firerae large for earls xgtnern. We add W the resulu from each segnern to arrive n the teal perlode finance dagp for your ocean[. To get the daily balanro for ealr segntnt of you accorn[, w+e take the begimirg balance for each eeglnem and add any now trereectiare and any polode finance large ralafeted m the preNars dens balance for tfat sagtant. We then arbtrect any payments or credra pored re of ttat day the[ am allocated [o that segmax. TNa gives us tta xperete daily balarao ~ ~ er ce rence~t m r eceen[. Novn:vsr, if you pnld the your Pxvlora satrmeu in fill (or If your row 6alarae was zero or a credt aman0, new trareeclare wNdr post to your purtlaase or special c~alWae ttxie~evera a deft t belenrot b~edd N off the ilWe belaroes together aM dw6rg the am by lie ramber ofy the days in the wrrertt biging cycle. To celalate your totd firenro tlarge, mrldply your average defy balace by the daily 'ode rote and by the ember of days in the WINng pedal. Bue to randrg on a daily bests, there may be e sflgm v derae between this ralelarlon and the errant of Rrarae large actueNy essesxd. b. Ii the code Z or N appears m the iron of this statemsm roxt to 'Bolarae Re[e Applied To; we mrltlply the g O O ~~ ~i ~~ ntv periodc rate. Ta obtain the average daily 6alarae for the billing period covered by this netement, we take ila begiraang balarae of each segmem each day, add any raw transactions to earth segmem, and attract any payments or credits. (It the rode N appears an the front of this statement nee to 'Balance Rete Applied To,' we also subtract any r+peid finance charge exiuded in the balance of each segment.) This gives us the daly belerxx: of each segnent. Then, wx add tp all the daily belaraes for each segment for the billing period and dvide 6y the total raanber of days In the billing period. TNs gives us the ge daily balance of earls segment. 3. Amax Prertapo Rttas (Alrli6 a. The term 'Annual Percenape Rete' may appear as 'APR' on the iron of tNS statement. 6. If the code P (Pdme), L (3-mo. LIBOR), C (Certificate of DcposiU, ar S (Bankcard Prime) appeam en the fran of this aetemem next to the pedodc resets), tfa pedodo rates and rorrespondng ANNUAL PERCEMAGE RATES may vary quarterly end may iroreax or decrease bases en the stated indices, ea found in The Wall Streot /oumel, plus the margin previously disclosed to you. Thex ltarges will be ottective an the flmt day of your Wlllrg pedal rovered by your periodic aatemant endng in the menthe January, April, JJy and October. c. If the code D (Pdme), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced MentWy) tippea the front of your statement next to the periodc resets), the pedodc rates and crrespendrg ANNUAL PERCENTAGE RATES may vary montNy and may iroreax or decrease based m its stated indces, as forxtd in The Well Szreet Journal, pus the margin previously dsclosed to you. Thex charges will be effective on the first day of your Wllirg period each month. 4. Aaoarnsrt of Leta, Ovarfirrit rd Rotranatl PaYnrst Fsoa. Vour account will be assessed ro more than two of the fees listed here that occur dudrg any Wiling period. Under the terms of your customer egreemem, exrve the rigor to ' t to assess any foes withan p for rotilicelon to you vn'thout waiving our fight to assess the same or similar fees at a later time. 6.tRrawviap Yot- Aoaout. If a membership fee ppeau en the front of this statement, you have 30 days from the date tNs statement was mailed to you ro ifvyou cancel tywre ccornot Dun's h'sroerlod,ted to Vou cmtiroe to use your accaan va~out hating to pay the membership tee. To caned your accoutt, you must notify usyboyu calling our Cuataner Relations Depenmem membershp tee~pdo~to the end of the thrt tyg-daly period. 8. If Yau Cbao rw Aooart. Vau can requer to lax y r account by telling our Customer Relations Department. Vou must destroy your trade card(s) and oust access checks, caned all preamhodzed billing, ens c e 91rg your secant. If you do rot enrol preamhorized Wllirg arrargements, vve will conceder receipt of a charge your auhodzation to reopen your account. Addtiaally, your account will rat he cloxd until you pay all amounts ya, owe us including: any trensactiare you have auhorized, finance cMrgea, Dan due tees, overlimit fees, returned paymem tees, cash advance fees and any other fees asaesaetl to your accent. Vou arc respaaide for these amounts whether they appear en your accoun at [he time you request to COx the BCCOIn1 Or they are Ir1CUrred BUbaegUeM 10 yow request to Gose the accorm. TNs may reads in charges eppeadn0 en your account after Vou have your eccotnt if it hea already been dosed. For example. 'f you solarized a purdax from a merdam and we receive the trareection from tfa merdam after your accartt has been tloxd, your ocean[ will be reopered, lte amtxatt of the tlrerge will ltc added to your accent, and you wfll be reaponceWe for peymem. If there is a membership fee for your accartt, the fee will rondrtrn m be dterged, to the extern pemltted by law, Croft the accent belarae has been psitl in fuN as deflnod obova. 7. lfafrrg rw Aoaran.Vour card or account carrot be used in corracdon vAM anV intoma gemdirg [rereectlaa. 8. WsaYoo AhaY E7oatroNo dwak lbrrvraon. When you provide a drek as peyntant, yw authorize re dher ro rtx information from yar lack [o make a as-time dectroric fund tmrefer ban your bank atxant or to process the poymont as a lack [rareettien. When we rtx informotim from yar lack to make an doctroric fund tmrefer, furls may be witfdrevm from your bank 8lxolrlf 89 80x1 a9 da xm0 day W'Ft IOCCI VC yWr payment, anal you will rot receive your lack bock from ywr financial iretitu[ion. BILLING RIGHTS SUMMARY Ile Cese Of Errom Or Ouestiore A6aut Vour &10 If you stink year bill is wrong, ar it you road more information on a vereaction or bill, wttc to us en a separate sheet as soon as poscede at tfa address for 'nquiries shown en the from of Ws aatemem. We roan fear from you ro later than t30 day aher we seen you the fimt Wfl on which the error a problem appeared. Vou can call our Ctataner Rdetiens number, but ddng x will rat prexrve your dpds. In your letter, give rrs the idlowing information: your name aM arooum number, the ddlar arrant of the suspected eror, a dexdptien of the error end en e~lanatlm, ii poscede, of why you bdiew there is an error; or if you reed more iniomelen, a dexdptlan of the Item yw are Cesare start. Vw ao rat have [o pay any mo tin queaien while van arc investigating it, 6tn Vou e still obligated to pay the pons of your bill that are rot n quesden. WNIe vve investigate your quesdon, we carom report ynu as delingrent or take any actien m collect the amount you question. !,t Spedel FNe For Credt Cab Purchaxs If you have a problem vdth the quality of Property or ros that you purdased with a credt cam and yea lave tried in good faith to correct the problem with the mercham, you may hove the rlght rat ro pay the remeidng amount due en the p ny or xMCes. You have tNs proteclen ody vnen the purdase price was more than 950.00 and Me purtlax was made in your forte state or within 100 miles of your mailing address. (R we own or operate the merchant, or if we mailed ynu tla advertisement for the propetty or xrviooa, all Wrtlases e covered repardess of amount or location of purchex.) Reese remember to sign all correspardence. t Does mi apply t0 consumer non-Credit ceN accounts S Does rot ePPN fo business zwn-credit caM accounts One supports iniormedon privacy protection: sae our 8t WWW.GBplalale.COm. One is a federally r stared xrvica mark of Capital andal Corporation. All rights reserved. ~ 2003 One OILGLBAK Irrfiroriarrl Nrko: Paymems you mail to ua vNll be credtetl to ywr secant as of the Wdroas ley we receive it, prowtled (1) yea acrd tla bottom portion of Ws natentem and your deck In the enclosed remittance envelope and (2) your paymem is receved in our processing center by 3 p.m. ET (12 noon PT). Please allow at least flue 15) business days for postal delivery. Paymeme received by us n any other locaven or m any other Corm may rat a credtetl as of the ley we recdve Them. Our business days are Monday through Saturday, axdudng hoNdays. Pleax do rat ux suplea, paper dips etc. when preparing your payment. When you send us a chat ls), you autfarize ue to make aorta-time dectronic transfer debit tram your bank accarrt for the amoum of tfa clreck TNs autladxatian applies to all checks receved during iha billing cyda even if sent by someone doe. N we carrot process the transfer, you aylrorize us to make a charge ageinr your bank accoun using the check a paper draft or other item. JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS PA Pay to the order of CF~/~l>td~l~° Richmond, VA Memo Date Expires 04/30P1005 Cardholder Signature ll•i08i811' ~:05i006778~:86 5 246 70 1i62611• • TO DETACH, FOLD AND TEAR ALONG PERFORATED LINE, THESE CHECKS COME WITH THE SAME APR YOU GET ON PURCHASES, AND ~ TRANSACTION FEE. • Sp~t10N Detach the Z~`~~~ Purchase Checks from above and below. Put them in your purse or wallet to use like any other check-it's that easy. Use Them right awayf Your checks will expire on 04/30/2005, so dorr't wait! m n Be sure to check next month's statement for your account information and to learn more about the valuable products and services available to you as a valued Capital Onee cardholder 10818 68-677/510 06242-02 201424 Page z of z CapitalQ~° ~ JUSTIN G WEARY, As a preferred cardholder, you can use these checks and enjoy the same great APR that you get on purchases! Use your Purchase Checks* any way you'd like: • Refinance higher-interest-rate credit card and other loan balances • Cover taxes or insurance premiums • Tackle your spring home improvement projects • Pay contractors, service providers or anyone- even if they don't accept credit cards • Take a vacation, spring for a new wardrobe or whatever you choose! PLUS You can use these checks anywhere checks are accepted-and your purchases will be treated just like the purchases you make with your card. That means there's no cash advance fee and there's no transaction fee for using them. What's more, every check is protected with $0 Fraud Liability if ever lost or stolen. *Please see reverse side for the terms and conditions of using these checks. Want to transfer balances now? Call 1-877-476-7939 • TO DETACH, FOLD AND TEAR ALONG PERFORATED LINE. JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS f Pay to the order of Cc"iip/lfd~~• Rrchmond, VA Purchase Check Purchase 10819 68-677/510 os2a2-0z zolaza Cardholder Memo Signature ll'i08i911' ~:05i006778i:86524670ii626u• n 0 0 z ~o ~~ D < ?~ m om m- o v~ ~a T ~ D ~ A ~ D A r N Z L7 ~ 2 ~ m O 0 1 Z ~{ C 1 q1 = m W~ r z m m z 0 0 x N m x a m Answers to frequently asked questions Purchase Checks Q: What interest rate will apply when 1 use my Purchase Checks? A: You will receive the same APR you currently enjoy on purchases. Q: Is there a transaction fee? A: There is no transaction fee for using Purchase Checks to access your Capital One account. Q: Can I really use my Purchase Checks any way that I want? A: Yes, you can use your Purchase Checks for anything - whether you're shopping for new clothes, making a major home improvement or depositing it into your checking account. Another way to take advantage of your Purchase Checks is to consolidate debt from other credit cards and loans. Q: Why would I want to use my Purchase Checks to consolidate debt? A: First of all, you can save money by transferring higher-interest-rate balances to your Capital One card at your current purchase APR. Secondly, by consolidating debt, you'll have just one payment to make for greater ease and convenience. Q: How are my Purchase Checks billed to my account? A: Your Purchase Check amounts will appear as purchases on your statement. And with both your card and check purchases together on one statement, it will be even easier to track your spending and manage your budget. Q: Where are Purchase Checks accepted? A: Purchase Checks are accepted wherever you'd normally use your regular personal checks. You can even use them at places that don't accept credit cards. Q: Will my Purchase Checks ever expire? A: Yes, the expiration date is printed at the top of each Purchase Check. So use them now for greater savings and flexibility! 0 ~~ om ~i ~n * The attached checks will be treated as purchases according to the terms of your Customer Agreement and any amendments to it but may not qualify for any reward programs. The attached checks are subject to credit availability, so you must have the available credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your account, and the check may not be processed or may be processed at a higher penalty rate if your account is restricted in any way, past due, or in collections at the time it is processed. If the credit is unavailable or your account is not current as stated, your check will be returned unpaid and you may be assessed a Returned Check fee. These checks cannot be used to pay down or pay off any Capital One account. Cashing these checks will qualify as using your account. © 2005 Cayital Onc Servicer, Inc Capital One is a federnll}' regirrered service mark. All righu reserved O O 2 a p m ~ m o m T o vi ~' s ?i i D ~ zO n 9 D y Z L7 ~ 2 ~ W c m -~ r O ~ C y m = F N r 2 m m z O O N S a m JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS PA 17065-1 144 Date Expires 05/31/2005 10842 68-677/510 06243-02 sa64oo Pay to the order of "^ T n DoOars Purchase Check Ca~lt~ Richmond, VA Cardholder Memo Signature ll'i084211' ~:0 5 1006 7 78~:86524670ii6261~' Ca ~ 2 PLATINUM V15A ACCOUNT MAR 20 -APR 19, 2005 4862-3624-6701-1626 Page 1 of 2 Account Sutnmary Payments, Credits and Adjustments Previous Balance 51,039.82 1 18 APR PAYMENT RECEIVED -THANK YOU 550.00- Payments, Credits and .4djusr ments 150.00 Transactions 5347.18 Transactions Finance Chazges 510.15 2 23 M.4R 0232 SHEETZ 00002329 MT HOLLY SPRG PA 53.51 New Balance 51,347.15 3 25 M.4R WAL-MART STORES, IN CARLISLE PA 8.41 Minimum Amount Due 540.00 q 25 M.4R WENDYS #0402 Q2,5 CARLISLE PA 5.81 Payment Due Date May 19, 2005 5 26 M.4R PAPA JOHN'S #921209648 717-2456000 PA 29.01 Total Credit Line S2 ~ 6 15.4PR RILLO'SRESTAURANT CARLISLE PA 88.96 Tonal Available Credit 5652.85 7 15 APR WAL-MART #2574 CARLISLE PA 41.48 Credit Line for Cash 52,000 8 16 APR CINGUL.4R WIRELESS CARLISLE PA 129.30 Available Credit for Cash 5652.85 9 17 APR WALMART SUPERCENT CARLISLE PA 18.74 10 17 APR WAL-MART #2574 CARLISLE PA 21.96 At your service To call Customer Re]ations or to report a lost or rtolen nrd: 1-800-955-7070 Send paymrnis to: Smd inquiries to: Attn: Remittanx Processing Capital One Bank Capital One Services P.O. Box 790216 P.O. Box 85015 St Louu, MO 63179-0216 Richmond, VA 23285-5015 Finance Cltazges Please nee revaJe.tidejor important information ~ Balaruv ~c Periodic Com<yandxg FINAN~E ~ M ,~pr aro r~r AAPR tC;It31,n4jx2 EE ~ PURCHASES f640,91 .02918%P 10.65% 55.80 CASH 5.00 .0590494 P 2155% 5.00 SPECL4L TRANSFERS 5480.55 .02918%P 10.65% 54.35 ANNUAL PERCENTAGE RATE applied this period 10.66tYo • PLEASE RETURN PORTION BELOW WITH PAYMENT ~ 0000000 0 4862362467011626 19 1347150050000040004 New Balance 51,347.15 Minimum Amount Due ;40.00 Payment Due Date May 19, 2005 Total enclosed 5 Account Number: 4862-3624-6701-1626 Capital One Bank P.O. Box 790216 ~~~uuu~~n~~t~i~u~ St. Louis, MO 63179-0216 ~s~~nu~~nu~~~ut~~t~u~~tnn~9~m~~t~~unt~~t~~n~u~t~ Pleaseprixt mai!'ng ad,3rsr anb r-mailcMngrr br! wingblw orb/ark rnE ~~ Apc A City Sere ZIP Home Phone Alcernsu Phone ~ #9011086750064484# MAIL ID NUMBER ~ JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS PA 17065-1144 ° ~ ~ut~~~ut~~~nn~~m~t~nu~~nt~~9~n~i~n~nt~~~t~nut~~~ r Please unite your account numbs on your tbeck m money mdn made payable to Capital One Bank and mail in tIx ersrloJed envelope. ~ v m c w z coo D 'r < f m y vy O m 37 y _T y Z ~ D v Z n a D y r ~ 2 = N y 1 m -i r C O ~F o -l z x C y t!r r m= ~m •NrportarN iMrmafion rapr~3rq yera dteoka: The attadted chmka will ba treated as Wrdvaes emordrp to the terms of your Customer Agr emem and any amendments to n but may na rlrtdify for any reward programs. These dteeka are abjed to credt availahilhy, sa you meal have the avdlatle credit on the day Capital One processes your dock. Check coeptence is oho abject to the currem status of your account, end Me check may not be processed or may be processed et a Near penalty rate it Yosu acootm is restricted h any way, past due, or in cdlectlare at the time h h processed. If the credt is uvvdletle or your acoant is not wrrem as stated, your check will be resumed tatpaid end ynu may be sassed a Resumed Check fee. These checks cemot be used to y down or pay off any Capital One atxxtun. Cashinngg these dtecks will qualify as uartg your account. All after Accaan terms and catdhiorv remain in iJl form and effect. ®2004 CapitY Ono la'rviap, Ina. Cartital Ono h a fedrally reg'rsred srvfoe cork. AN riytts resrved. T o. tiaaa Priptl. Vou wilt have a midmun grace period of 25 days witltau firortce large m rtew pundases, row balance trenafere, raw spedal pumheses and new other charges if you pay your total 'New Balance', in accordance with the Important Notice for psymmts blow, end in time for it to bo credted by your rota ststomatt dosirg dale. Them is ro grace period en cash advartcos end spetlal trervfers. In addtion, there is ro grace period en any traresaim if you do roc pay tfte foal 'New balance.' b. Aaarlrg Fktrtoe Charge. Tmrvactiav wfiiM are nel abject ro a gram perod em assessed flrortce dirge 1) from the dare of the trertsecsien a 21 tram the date the 2ranection h Processed to yorr Accent a 3) from the first mlendar daY of the aurertt bNlir[~ period. Adddaally, 'f you rid rot peY tfa 'New Balance tram the previars hillirtg period it fill, finartm dirges corttirare to accrue to you trpei0 bdartce utul iha ratpeitl belartce is paid in full. This mearv that you ma still owe licence Utarges, even if Ya+ PaV the Attire New Balance ktdcated m the from of your aatamorx by the roxt sutement tlodng date, but rid rot do sD for the prevbty march. lJrpaid flrortce Merges ddad m the appM Me segnem of yotr Amour. t c. iiilrraan Finance Chrgs. For rant bilNrq period that your ocean[ Is aubiect to a Iitrtce daryo, a mktimun tool RNANCE p-Ia.RGE of 80.50 will be imposed. If the tool firortce charge real[ktg fmrtr the applicatlm of your periodc rate(s) is less don 80.50, we wiill sibtrad that moult from the 80.50 mitimun ell the dfferertce will be billed to the purdase segnen~ of yet acoarN. 'j-d. 7errpsrary Reduatian in Fnarraa ptrge. We reserve the riytt to rot assess any or all firartce dtarges for any Aura billing period 2. Avrage DNy Balarwa Ikwlud'ny Naw Prahasasl. n. Rnance Marge is caladeted y mtlriplying the daily balance of eeM segment of your accent (e.g., rash tlvartce, punYteat, spedal trorefer, end spade) purdasol by rfte txtnespaxlrg daily poriodc rate(s) that las been pmWoudy dsdosed to Vou. At the atd of eats de during the bilNng period, we apply the logy periodc rate for rant segnrnt of your secant to tfa drily bdartce of eats aegnatt. That et the end of the bigrrtg Period, we add W the realm of these drily mtalathre to ardor at your periodc firence dirge for eats seprtatt. We add to the realu from eats sagnem Lo arrive et the total periaic firortce tlarge for your accotnt. To get tta elegy balertce for eats segment of your accotax, we take the beglratirtg bdartm fa eats aegmertt and atld anyy new treraacdore artd any penodc flrertce dirge calaleted m the previous day's balance for that segnern. We then aubtrea arty payments or credo posed as of that clay that are sllomred to trot segnttrtt. This gives ua the seperete daily balance for eadt sagnen[ of your secant. Howevor, If you id the New Balance shown en yar previots stetanatt in fill (or if your row balance was zero or a credt amauu), rtew trarvactiav whits post to your purcase or spedal cWelalete Mme averege flatly be~ tt by edirq all the deilWe balances together and dvidng the sun by the raurber of the days in the arrmt biNirtg cycle. To calafate your trod firortce tlarge, rrxitidy your average elegy Delertce by the deily~riodc rate end by the amber of days in the billing pen Due to raatdrg m e daily bads, them may be a sigh veriertce baween this celculatlen erd the amautt of fktartce Marge ecaaeiy assessed. b. II the code Z or N ap{tears m Me irmt ai tMS statanmt seta ro'Bdertce Rate Applied To,' we mutldv the 8 I O ~i O ~~~u~ °dt rm'i ryt ~nN ppaerodic rate. To obtain the avcra0e daily balance for the tillirp Period covered by this statement, wo take the bepnrung balance of each segment each day, add any rtew trervamions to each xi-nun, and stbtram any payments or credts. (lf the code N appears m the front of this Gateman roxt to 'Balanco Rate Applied To,' wo also abtrem any lipoid ficertco tlarge irttluded in the behnce of each segmem.l Thia gives us the daily balance of each segmem. TTvn, w+e add up all the daily balara;ea far each segment for the bitting ppeeriod and dvide by the teal resnber of days in the tllling period. TNs gives us the average daily balance of each segnrnt. 3. Annwl Prorttape Rotas IAPttI. e. The tens 'Annual Percentage Rate' may appear as 'APR' on the front of this natemem. 6. If the code P IPrime), L 13-mo. LIBORI. C ICertificete of DepoaN), or S Iliankcard Prime) appears m the tram of this statement next to the periodic rate(s), the periodc rates and cortespandrq ANNUAL PERCENTAGE RATES may vary µaneriy antl may increase er decrease based m the stated indrtes, as fond in The Wa!l Sveet /oumel, plus tfa margin DVrevioudY diadoaed to you. These Menges wlg he affective m tla firs day of your tlllirg period covered hY You pedodk aatement erring in Ute months January, April, JJY and October. c. If tfa code D (Pdme), F (1-ma. LIBOR) or G 13-mo. LIBOR Repriced MmiNy) appears m the hens of your statement next so the periodic rate(s), the periodc rates and correspondirtg ANNUAL PERCENTAGE RATES may vary mentfly and may increase or dmrmse based on the stated indces, es faxM in The We!/ Strmt Joums/, plus the margin pmviarsly dadosed to you. These Menges will be effective on the first day of your billing period rant march. 4. Asceaarwt M Late, Ovridt and FtmnW Psyntrit Faes. Your acmtnt will be assessed ro more than two of the fees listed here shot mew during any billing periotl. Under the terms of your customer agreement, we eaerve the right to e or not Ip assess any ices vAtlaut Arcot ratification to you without weivirg o r right to assess the same or dmilar foes et a later Ume. u 6.'rRrtwvitp Vat Aematt. If a memberaNp fee appears m the front of this natemem, you have 30 days fran the date Mice statement was mailed to ynu to avdd peyirq the tee or to have ash tee credted so you if You cencd your accent. During this period, you may cmtiaa to use your account vriMotrt hevirq to pay the memherdtip fee. To cencd your eccant, you must notify ce by calling our Customer Relatiens Departmem and pay your 'Naw Dahnce' in frli lettduding the memberdlp ice) Prior to the end of fire tNrty-day period. 8. N Vw Cbae Vat Aoooud. Vou can request to close yyour account 6y calling our Ctrataner Reletiens uepanment. Veu must destroy ymr credit cantle) arts accent access checks, cencd II pr uhodzetl billing, and cease usirtp your account. If ymedo not cancel preayhorizad bllirtg arrengementa, we will consider rmdpt of a charge your autlarizatien to reopen yyour accent. Addhienelly, your accent will not be Goaed until you pay all amounts you awe us including: any tmnsediav you have ayhorized, finance charges, pest duo tees, overiimit tees, resumed payment fees, cash advance fees and any other fees assessetl to your accent. Vou are responsible for these amounts wttmhor they appear en your account at Me time you request to close the account or they are incurred subsequent to yhar es~e st to dose the eccomt. TNs may rcadt in c g ppearing m your secant shat you lave your aceartt if it has dready been dosed. For examde. if you otMorized a purMese from o mordant and we receive the trereactim from the mordant after your secant las been dosed, your assort will be reopated, the smart of the Megle will fx; atlded ro your secant, rand yw will be rasps vide for {ayment. If thorn is a beuftiP fee mr your accaatt, rite fce vnll em[ian m be drergatl, to the extent pemdaad by law, tndl Use eccan[ bdarce hsa been paid in fJl as deflrted above. 7. Uaig Vat AOOesrt.VWr card or account cannot be used In txtmecrion will any ittemcs gomtling [renvaaktre. 8. Notiu I1harR flsaiborlia Check Caweniat. Wfrtat Vat proNde a Mxk as payment, you aud,arize us dtfter re use information from your deck to make acne-time electrode fuxl trarefer from Wtu bank accent or to promos the peymtm as a deck trervaction. When we use information from you deck ro make an dtstrodc find trarefer, flab may be wMWrewn from your bank arrant as soon as the same day wo receive your payrnatt, and you will rot receive your tlteck back From your firertcial iretitttdm. BILLING RIGHTS SUMMARY On Ceae Ot Ertora Or Questims About Vaur Bile If you Wnk your bNl is wrong, a It you need mare informadm an a uaraoctim or bill, write to us en a separate sftees as soon as posside at the address for 'nquiries dawn m the from of tNs statement. We must hoar iron yen no later than GO days after we sera you the first rill en vfiich the error or Orotlem appeared. Veu ran roll our Custaner Rdatiav number, but ddrtg en vrill rot preserve your rights. In your letter, give to the idlowirq mformaden: your name and account sunhat, the ddlar arrant of the suspected eror, a description of tfte error and an etplanatim, d pceaitlc, of wh~ you believe them is n error; or Ii You rued more informer en, a descriptim o/ the item you a unsure about. Vw do rat have to pay any amass in queasfm wflle we are investigating it, bu you are still odigetetl ro pay the pens of you bill that arc rol in quealm. While we investsgate yatr question, we carrot report you ss degnµtatt or take any scrim to cdlect the amount you gcestien. t,t Spedal Rule For Credt Cartl PurMaaes If you have a protlem with the quality of property a services that you purdased will a credt cord end ynu lave tried in goad feint to cones the protlem with the merdvnt, you may Ivve the ri¢tt not to pay IM remaiNng amount due m the property or xMces. You have sNa prosectlm ody when the purtlase pace was more than 850.00 end the purdase was made in your Nome state or wkNn 100 miles of your mailing address. (It wo own or apaase she merelant, er if wo mailed yen the advenisemmt for the propenV or services, ell purdases are covered regardeas o1 amotnt or locatim of purchase.) Please renumber to sigt all correspenderoe. t Ooes not apply to consumer non-credit card occory7s 3 Goes rot apply to business non-credit card accounts Capital One stpporta inionnation pnvecy protection: sae our websha at www.cappulone.com. Capital One is a tedarally rag~'stared aervica mark of Capital One Rnartcial Corporatien. All rights reserved, a 2003 Capital One 01 LGLBAK Nrpatad NtNOe: Peymatts you mall to ua will be credted to your accoun as of its Dudnaes day wa racdve h, providatl Il) you send ttte bottom ponim of ttla statemrnt antl your duck in the ertcloaed remitunce rnvebpa arttl (2) your Payman la recdved in alit pros 'rg comer by 3 p.m. ET (12 noon PT). Phase allow at leas[ flue 15) business days for posW delivery. Paymems recdved by us at any other locadm or m any other torts may tort be credited as of the dsy rre ucdve them. Our lxarineea days are Malloy through Saturday, exckrdrtg hdidays. Please do nm use slides paper dipks etc. yytten prepadrtg your payIm ant. When you serM us a check(s), you authorize lie to make a arcs-time oloc[rarYc trervfer tlabt from your bank ua w mafke a1 ~emotrd o{~e embank ascootm uzsing the cdfv k aapapar draft~ovM~e dun the billing cycle oval if sera by aaneane lee. If we cannot Process the trarvier, you authorize 9s gat y JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS PA 17065-1144 Pay to the order of JUS El ~apitalQy~• Richmond, VA Memo Purchase Check Dollars Cardholder Signature II'i084311' ~:05L006778i:86524670ii62611' • TO DETACH. FOLD AND TCAR ALONG PEREORATED LINC. Page 2 of 2 ~"r^^p^vrce wnats In your wailetr JUSTIN G WEARY, Feel the power of our promise... with Purchase Checks!* IT'S EASY TO USE YOUR PURCHASE CHECKS: Detach the Purchase Checks from above and below. Put them in your purse or wallet to use like any other check-it's that easy. Use them right away! Your checks will expire on 05/31/2005, so don't wait! M n Be sure to check next month's statement for your account information and to learn more about the valuable products and services available to you as a valued Capital One cardholder. Please see reverse side for the terms and conditions of using these checks. GREAT ~ VALUE 1 '~ WITHOUT ~ THE HASSLES Because you are a Preferred Capital One® cardholder, we're willing to make you apromise-you can count on us to provide you with great value without the hassles. Take the attached Purchase Checks for example. They provide you with... GREAT VALUE... • With Purchase Checks, you can enjoy the same great APR that you get on purchases! • You'll save on interest charges when you use Purchase Checks to pay off higher-interest-rate balances. • There's no transaction fee with Purchase Checks. • Your checks are protected with $0 Fraud Liability if lost or stolen. WITHOUT THE HASSLES • Enjoy convenient purchasing power around town and around the world. • Cover insurance premiums or school tuition bills. • Pay contractors, service providers or anyone-even if they don't accept credit cards. !N A HURRY TO TRANSFER A BALANCE? CALL US AND WE'LL HELP YOU TRANSFER BY PHONE! CALL 1-877-476-7939 ~ TO DETACH, FOLD AND TEAR gLONG PERFORATED LINE. 10844 68-677!510 06243-02 201440 ~~ Purchase Check ~s~/H~d~~le• Richmond, VA Memo Cardholder -_._ ___ __ Signature II'i084411' 1:05i0067781:86 5 246 70 1ii62611^ 10843 68-677/510 06243-02 207440 ~~ Dollars JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS PA 17065-1144 Date 0 a 9 O 0 T O a z 0 0 0 z ap m ~ ~~ m ~a o tier m- ~1 „a z ; D S Z ~ ~a ~_~_ Z ~ ~ Z m c m -~ r o~ c 1 m = W y r_ 2 m Answers to frequently asked questions Ptnrhase Ched6 - Greotwlue wltltoutdie hassles! Q What interest rate will apply when 1 use my Purchase Checks? A: You will receive the same APR you currently enjoy on purchases. Q: Can I really use my Purchase Checks any way that I want? A: Yes, you can use your Purchase Checks for anything - whether you're shopping for new clothes, making a major home improvement or depositing it into your checking account. Another way to take advantage of your Purchase Checks is to consolidate debt from other credit cards and loans. Q: Why would I want to use my Purchase Checks to consolidate debt? A: Frst of all, you tan save money by transferring higher•interest-rate balances to your Capital One card at your current purchase APR. Secondly, by consolidating debt, you'll have fewer payments to make for greater ease and convenience. Q: How are my Purchase Checks billed to my account? A: Your Purchase Check amounts will appear as purchases on your statement. And with both your card and check purchases together on one statement, it will be even easier to track your spending and manage your budget. Q: Where are Purchase Checks accepted? A: Purchase Checks are accepted wherever you'd normally use your regular personal checks. You can even use them at places that don't accept credit cards. Q: Is there a transaction fee? A: There is no transaction fee for using Purchase Checks to access your Capital One account. Q: Will my Purchase Checks ever expire? A: Yes, the expiration date is printed at the top of each Purchase Check. So use them now for greater savings and Flexibility! 0 ~E o~ co ~n W Q v O T O z 0 m m L7 n n " The attached checks will be treated as purchases according to the corms of your Customer Agreement and any amendments ro it but may not qualify for any reward programs.'1'he attached checks are subject to credit availabiliry, so you must have the available credit on [he day Capital One processes your check. Check acceptance is ahso subject to the current stains of your account, and the check may not be processed or may be processed at a higher penalty race if your accoun[ is restricted in any way, past due, or in collections a[ the time it is processed. If the credit is unavailable or your accoun[ is not current as stated, your check will be returned unpaid and you may be assessed a Returned Check fee. These checks cannot be used [o pay down or pay off any Capital One accoun[. Cashing these checks will qualify as using your acwunt. © 2005 Capital One Servicer, Int. Capital One ri a federally registered service mark. All rights reserved z Ao m 1 m ~ m < ~ o m T O N D D T ; D ~ zO ~~ D N Z L7 ~ Z 1 ~ r zf c -t m = W y r z m JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS PA 17065.1 144 PLATINUM VISA ACCOUNT 4862-3624-6701-1626 10887 68.677/510 06244-04 586400 Pay to the order of "^ T n ~ ~~ Dollars ~~ Richmond, VA Memo Account S Purchase Check APR 20 -MAY 19, 2005 Page 1 of 3 II'1088711' ~:05i006778~:86524670ii626~1' Payments, Credits and Adjustments 1 13 MAY PAYMENT RECEIVED -THANK YOU 540.00- Previous Balance E1,347.15 Payments, Credits and Adjustments (40.00 Transactions 55.92 Finance Chages 511.79 New Balance E1,324.56 Minimum Amount Due E39.00 Payment Due Date June 18, 2005 Toral Credit Line E2,000 Total Available Credit E675.14 Credit Line for Cash E2,000 Available Credit for Cash (675.14 At your service To otll Customu Relations or to repon a lost or stolen mrd 1-800-955-7070 Smd payments to: Send inquiti« to: Attn: Remittana Processing CapimlOneBank CapiralOneSudc« P.O. Box 790216 P.O. Box 85015 St Louis, MO 63179-0216 RirLmond, VA 23285-50]5 Transactions 2 02 MAY 0232 SHEETZ 00002329 MT HOLLY SPRG PA Date Cardholder Signature E5.92 Finance Charges Pleae.ree revertetidejor imfortant injarmation ~ Bd rrat ~' Prnodu Carnpondng ~AN~ ~ ,ysp/irdtn ratr A ,Ajj n PURCHASES (909.57 .02918%P 10.65% f7.96 CASH f.00 .05904%P 21.55% f.00 SPECIAL TRANSFERS (437.50 .02918%P 10.65% (3.83 ANNUAL PERCENTAGE RATE applied this period 10.65'Yo PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4862362467011626 19 1324860040000039001 New Balance E1.324.86 Minimum Amount Due E39.00 Payment Due Date June 18, 2005 Total enclosed E Account Number: 4862-3624-6701-1626 Capital One Bank P.O. Box 790216 ~~~nuu~~r~~u~r~n~ St. Louis, MO 63179-0216 ~r~~nn~~un~~~ur~~r~u~~uur~r~ui~~r~~nm~~r~~n~n~r~ P/rmrpriwf mai/,'ngaJrbrv and r-mailrAmigrr beiwu m: gbiur or biark ink So-ee~ Apv M City Stau ZIP Nome Phone Ahemate PMne ~ #9014086750064481# MAIL ID NUMBER ~ NSTIN G WEARY ~n ~ 19 TRINE AVE ~ MT HOLLY SPGS PA 17065-1144 m o ° s ~ur~~~m~~~nn~~m~i~uu~~m~~r~u~t~n~ru~~~i~unr~~~ Pleare writeyora amount number an yam eheck ar money artier modep yuble to Cafitd One Bank and mail in the enrlaredenvelofe. Expires 06/30/2005 r ~ o m ~ N z m o D '~ < f m x ~ ~ Om m ~ ~ T_ D 2 >Z D a Z n 9 D y r ~ Z 2 ~ m m -1 r C O ~ ~ O ~ z x C N !n r m = ~ m 8 O O u~i ~ ~i r nN •Irttporlat iafamation ragwing yrau ehwka: The atached checks will be treated as purchaxs according to the terms of your Customer Agreement end any amrndnmts to h Ern may rot qualify tar any reward programs. These checks ere abject to emdf availability, so you mrm have the availaNe credit on the day Capital One processes your check. Check acceptance is also abject to the wrrent status of your secant and the check may not be processed or may be proceasetl at a higher penalty rate if your accent is rearicted in any way, pea due, or in cdlerxiorre at the time h is processed. If the cred'n is truveilade ar your ecrwrnt is not curtem as stated, your check will be resumed repaid and you may be assessed a Resumed (]reek tee. These checks carrot be used to y down or pay off any Capital Om account. Cashinngg these dwcks will qualify as using your accorahl. All other Asxwun terms and cond'niam remain in full force and effect. ®2004 l,apitY One Serviwa, Ino. CapNN Qw is a federally registered aarvioe rmrk. AY ri~da reaervad. pa odic rate. To obtain the average daly balance for the billing Parisi covered hV this aatemmt, we take the begiming balance of each segmem each day, add any mw transactions to eah sogmmt and abtran any payments or credts. {n tho code N appears m the from of tMs statement mxs to 'Balance Rate Apgiod To,' we also slbtract any upeid finance barge inducted in the balame of each s gment) TNS gives us the deity balance ai each sagmem. reTlrten~ ~ ladd up all the daily balances for each ra~mber of de ~ period and dN 6V the total verage dally balamle oflli ~pe9~ nNs glues us the 3. AnaW Perr~ltge fiatw IAPRI- a. The term 'Annual Pemenlage Rate' may appear ea 'APR' m the irmt of this aatement. b. If the code P (Prime), L 13-mo. LIBOR), C (Certificate of Deposit), or S (Benkcerd Prime) appears m the from of this aetemtxn next to the periadc easels), the periods rstea and cerrespahdrp ANNUAL PERCENTAGE fL1TES may vary quenedy and may imreese or decrease based m the sated indices, as fount a The Wall Sbee1 Jorune(, qua the margin ppreviauely disclosed to yw. These tltaondgea will ba etta:tive m tlw first daY of your Nlit~ mmtha Jarwa bV Vas podoNc aatement ealrg c. If the code D (Pdme~~F~-m~o.t LTBOR)OormGb(3-mo. LIBOR Repriced Mmihly) appppse rs m the front of your statement next to the periods easels), the periadc roles and cerrespmdrg ANNUAL PEI2CEMAGE RATES may vary mm1Ny and may increase or decrease based m the sated indices, as found in The Wel/ Street Jaumef, qt v the margin previanly dsdosed to you. These charges will be effective m the firs deV of your billing periotl tit matth. 4. Aseasenrrt of Late. Overfint arW Rebarred Payrrrrt Fora. Your secant will be assessed ro more than iw+D of the tees listed Mee that occur during any Nlling period. Under the terms of your cuaaner og eM, we reserve the right to waive or eat to assess any fees withou prior rotificatlon to y without waiving our right to assess the same or similar tees at a laser time. 6.tRerrwkV Yar Attaat. If a membership fee appears m the iroM of this aatemmt you have 30 days from the date 1Ns aatomem was mailed to you to avoid paying the fee or to have such fee credited to you if you caned ymr acceun. During tMs period, you may CmtlnUe La Use your aCCOUnt Wi1haN hevirg IO pay ihf membership lee. To coned your account, you must notify us 6y calling our Cuaener Relatims Department and pay your 'New Balance' in ids (excluding the membershp fee) prior to the end of the tMny-day period. 6. N You (flow Yov Aaoart. Vou can regrwa to close De r nmmt.tVou mllus 9destro~tomer Relations pe y your credit cardls) and account access dwcks, cancel all prearnharized billing, end cease usir~ your Uccanl. If you do not can d preeuthorized filling arrangements, w+e will crosider recdq of a charge Vour auMrizatim to reopen your eccemt. Additiawlly, your accaod will not 6e closed until you pay all ounis you owe us ircludirg: any tmruactiahs you have auhorized, finance charges, pas due fees, ovedimit fees, resumed DaYment fees, cash advame fees end any aher fees assessed to your aeeaem. Vou are respmside for these amorists whether they appear m your account et the time you request to close the account or they are incurred srbsequent to yher es eat to close tlw account. TMs may result in c g ppearing m your acrxxiss aher you have your secant if it has already hcen dosed. For exemge, if you arrtlaorized a pur hose from o merchant arcs we recClW the transaction from the morchent aher your ccernt hea been tlosed, your octant will be mopawd, the arrant of tho dharge will be added to your oceans and you will be respor tiMe for pnymmt. If tllere is a membership fee for your arrant, the fee will cenh[irxee to 6e dharged, to rite eztmt permiaed by law, rndl dw ocean[ balance hoe bem paid in kll a9 tleflrred above. 7. llairg Yar Aaeoun.YOU cam or account carrot ce used in rarawc[ion with anY inremet gemding trerhsecsian. 8. NWoe Abort Elaebonio Gawk Carrveraorr. Wfwn ya, proNde a heck as payment you arnhorize us tither ro use infamatian from your tlwCk ro make a ale-dmo dectrmic fled trarofcr from yaa- bank secant or to pr~ocenss~ ~y~ as a tlwck tranaaaim. Wfwn ors yore dwck to make an dedmnic fund trerefer, furtdJ may be widdrevm Fran your bank atxxaaa as soon as the same day we receive your payment, and you wig rot roceiw your clwek back from Your fisefhcial IR9tlMlm. BILLING RIGHTS SUMMARY Ile Case Of Errors Or Ouestlruha About your &IO If you tNnk your rill is wrong, or ii you metl more Infomailm an a Irareactlm o! MII, write to us m a separate sheet as son es poasiNe al the address for 'nqunes shown m the front of 1Na aatement. We mua beer from you m later than BO dayyss after we sent you the first NII m vvltich the error a problem appeared. You ran call our Cuaamer Rdatims number, 6rrt doing so will not preserve your rights. In your lever, give ro the fdlowirg infomtatim: your name and accrxist nunher, the ridler amorist of the auspened error, a dexriptim of slw error and en exganetim, if poasitle, of wfiV you believe there is an error; or ii you need mom Informatim, a descriptim of the hem yw ar m e ahorrt. Vm do not have m pay any amornl in queaim vllle we arc investigating it, hen you re still obNgased to pay the pans of your bill that arc rot in quostim. WNIc we investiggaate your question, wr: ratarol report you as delinquan or uke env atom to cdlea the amount you qucaion. t,t Special Rde For Credt Card Purchases Ii you have a problem with the quality o1 property or services that you purchased vAth a credit card and you have tried in good faith to correct the proNem wish the merchant you may have the right cwt m paV dhe remaining amomt due on the prapeny or services. Vou have Ms protection oNy when the purchase price was more Ihan 950.00 and the purdwse was made in your bane sac or within 100 miles of your mailing address. (If vn ovm or operate the merchant, or if we mailed you the advertiaemmt for the property or services, ell purchaxs e covered regerdess of arrant or location ai purchase.) Please remember to sigh all cerrespondmce. f Does cwt oPMY to consumer roe-credit caN accourds 3 Does rot apply to business roe-crzdif card accounts One ta{pons infomtatlm privacy praectim: see our el vvww.captalarw.com. One is a federally regiaered service mark of Capital t a. 0raoa Period. You will have a mirimun grace period of 25 days witfwut finance dhaargo m new puretwses, row bolance trarefers, row special pun7teses and new odwr dwrges if you PaY your last •New Belerwe', in 8reofdanCC Vdlh the Im(IDRBM Notico for peymeM9 blow, end n [ime for it ro be credted by your row aatement tloaing date. There is ro grace period m cash advances end specal ^erefers. In etldtbn, them is ro gace period any trerwoctim if you do rot pay the tael 'New balance b. Aaerukag Fiwwa f]rrga. Trarhsactlats vdhidh are not >4ect ro e gram period ere assessed flrorwe barge 1) from the date of tlhe [rensaetlm or 2) fmm the date the trahaectim is processed to yar Aceant or 31 from the first celeMar deV of the current 6iNirg period. AddrtionaNy, 'f Vou rid rot pay the 'New Balance' fran ttw pmviats bilikg period in full, finance Merges carroraae ro acenre to your unPea balance rndl tlhe ugeid balance is paid in fWl. TNS meare that you mayy sdY owe Tnance charges, even if You pay the entire New Balerac kndcatad m the feat of your sretemeM by the roxt staterwnt dosing date, hex rid not do so for the pmvkas month. UrKwid flrertce dtarges aamd to tea applicaae segmem of yar Amount. t c. kti'rkhun fkwwe Charge. for each billing period that your eccous Is stbject to a flrhsnce barge, a mlNmrm tool FlNANCE CkNRGE of 90.60 will be imposed. If the rosy flrarwe daerge resrldrg ban the epolratlm of you periodic rme(sl is less than 90.50, we will srbtraM their amarrc from the 90.50 mirimun and the dffererwe will be Nlled to the purdme e f yar aawuat. td. Tertpanry ReAraian it t t7rga. We reserve the 'du to cwt assess arty or ell firance Merges for any given 6ilfirg period 2. Awage Daily BYeisoe Ikwkrdiu Now fVehaawl• a. Rrwnre charge ra calaiated y mrlfigying the daily balerwe of eah segneM of ya,r oceans (e.g., rash advarhce, purhese, special [rarofer, end apetlal purhase) by dw cerresporhdng daily periods rate(s) tlat has Moen pmvbrdy dsdoaed to you. At tM end of each dey during the Nlling period, we aptly the deYy periods re[e fo eh aegnmt of your eccant to the daly balance of each segmem. Then at ifhe end of the hiYirq period, we add uP the malts of these daily ralaladons to arrive at your periods firtenee dherge for eah segneM. We add rp the malts from eah Segnmt so arrive at the total perfodc fimnce riwrge for you atxxxatt. To gat the tlaily balance for eatlt segnm[ of your oceans, we take the be9mng bolaroe for earth segment and add anyy now trereactiore and any periaic finance Uharge caltalatetl m the previars days balerwe for dot segment We then subsract any poymmts or crodts posted as of that tlay that am apomted to tlws sagnrsu. TNa gives ro the eepamte daily belenco for eah segmm of your aceorra. However, if you paid tiw New Balance sfnwn m your pmNars aatemmt in fill (or if your row balerwe was zero or a tracts amantl, row trertsactioro whip Ixlst to your prrhase or special purchase segnents am na add ro the dai1V balances. We Iralate the averaga daily balance by addng aN the daily balerwes tapetlwr mhd dvkirg the sun by the nrmber of the days in the arrreht biYkg eyrie. To rakalae your total finarhce barge, mlitidV Your averege degy balame bV the doily periods rate and by the nanbor of days kh the NIGng periotl. Duo ro raisding m a daily basis, them may 6e a s4gM variance between this calalatlm and the amaatt of firer>ce dfsrge actuaYy esse~ed. b. If the code Z or N appeem m the fiom of tNs statement rox[ to •Belarhce Ram Apgfed To,• w,: mrltigy the Irrportat Notloe: Paymens you mail to ua will ba cradte0 to your aaotnt ae of the business bey we receive h, proNdad (1) you Bend the bottom portico of tMa aatement and your dteck m the orxAosetl remittance envelope and {2) your Paymen[ is received in our procesalrg cemer by 3 p.m. ET (t Y noon PT). Pleaw allow et leas Nve (5) business days far posul ddivery. Paymonta received by us a any odwr locagm or m any other fomt may not be cretlitad as of the tlay we receive them. thu business days are MaWay throw Saturday, exdudrg hdidays. Please do not use aadae, paper dips ac. when prepanng your pa ant. When you sand ua a check(s), you arRwriza ue to make a ono-nme electroric Irarreter dabrt from your bank accarn for the amaatt of the check ~TNa authorization apgiw to ell checks recaved during Ne billing cycle even if sent by someone else. If wa carrot process the trenater, you authorize rw to make a charge against your bank eccaaht uairg the check, a paper doh or other item. 207453 JUSTIN G WEARY, you may be minutes away from saving up to X400*or more per year on your auto insurance. ~pita/i~® auto insurance Page 2 of 3 One-Stop Shopping for JUSTIN G WEARY, Maximum Savings: With a FREE, no-obligation auto insurance quote through Capital One,®a few minutes of your time could be worth up to $400 or more a year. One easy step compares rates from five top companies** In one simple step, our new insurance agency service provides Free, no-obligation quote up to five competitive, reliable quotes from leading auto insurers. And the quotes are tailored to your specific needs, save up to $400 or more per year! so you can quickly compare them to your existing policy- and see how much you can save. In other words, this is a smart way to shop that puts you in the driver's seat ... and in control of how much you pay! Call today It's easy to get your quote by visiting our Web site at (800) 993-5061 www.capitalone.com/quote. Or for personal service by phone, call (800) 993-5061 to speak with or visit our expert insurance agents. www.capitabne.com/gtrote Please indicate Priority Code Find out how much you could save. Act now for your free, 9202732742. no-obligation quote! Visit www.capitalone.com/quote Personal Service Agents or call (800) 993-5061 today. available to take your call Mon -Fri 9 a.m. - 11 p.m. ET Sat 11 a.m. - 8 p.m. ET 201453 You could save HUNDREDS OF DOLLARS by calling TODAY. Call toddy For even faster service, please have the following available: X800} 993-5061 Or Vlsit • Current auto policy for comparison www.capitalone.com/quote • Vehicle Identification Number (VIN) • Driver's license number • Priority Code 9202732742 Cap~ta~QfgQ' auto insurance As a handy reminder, detatch this coupon and keep it in a secure location for future reference. ' Savings amounts are based on insurance premium information provided by purchasers of insurance through a similar program, from 2/3/2004 to 11/11/2004, placed by the licensed agents of InsLogic Corporation ("InsLogic"), an affiliate of Capital One Bank, Capital One, F.S.B. and Capital One Financial Corporation (collectively, "Capital One"). " You will receive quotes from top insurers awarded high ratings by A. M. Best Company, the insurance industry's leading independent analyst. Capita/ One auto Insurance Is brought to you by Capital One Insurance Agency ("COIA"), an affiliate of Capital One. COIA Is a licensed insurance agency and provides all information regarding available insurance products. Insurance products are provided by non-affiliated participating insurance companies. Applicants are individually underwritten and not all applicants will qualify for insurance. Not all insurance policies and product features are available In all states; this Is not an offer or solicitation in any juristllaion in which the policies or product features are not approved for sale. ~ Capital One does not provide, endorse, or guarantee any third-party product or service shown here. INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF, OR GUARANTEED BY CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC, ANY ~ FEDERAL GOVERNMENT AGENCY OR CAPITAL ONE. Your decision to purchase insurance and your choice of an insurer or agent will have no effect on your eligibility for any Capital One product or service. Ratings reflect A. M. Best's current opinion of each insurance company's financial condition and are subject to change. Ratings are not an ~ expressed or Implied warranty of any Insurance company's ability to meet its obligations. ~ ®2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 0 ~~ o .n ~~ ~n JUSTIN G WEARY t9 TRINEAVE MT HOLLY SPGS PA t7o65•tvyty Date 108$$ 68-677/5to o6zpq-o4 zor483 5Q Dollars Purchase Check CaPitalQn2. Richmond, VA Cardholder Memo Signature il•108881i' 1:05i0067781:86524670i1626i1• Dear JUSTIN G WEARY, Page 3 of 3 As a Preferred Plus Cardholder, you deserve to get the most from your Capital One°° card. CapltalQl~' wears m your wallet?' That's why we're offering you the enclosed Purchase Checks,'" which allow you to access your account almost anywhere! They carry your purchase APR and there's absolutely no transaction fee. Here are some simple [Hays you can use purchase Checks: Transfer higher-interest-rate balances and save money. Use your Purchase Checks to pay off outstanding balances on other credit cards, deparmtent store cards or loans. Simply write a check toward the balance and it will appear on your G Capital One account at your purchase APR. '~~~ Put them in your wallet and use them to make purchases. ~\`\.~~ Purchase Checks are especially handy at locations that don't accept credit cards. So whether you're making a big purchase, or just buying groceries at your local wholesale club, your Purchase Checks give you a fast and easy way to pay. Make a major home tmprovement. Remodel your kitchen. Buy new furniture. Build the addition you've always wanted. Whatever you choose, your Purchase Checks can help. Pay for travel, shopping, buts and more. Use your checks for anything you d like and enjoy the flexibility of paying over time if you wish. Just be sure the total of your checks does not exceed your available credit line. Don't miss out-use your checks before they expire on 06/30/2005 or call us at 1-877-476-7939 to transfer today. Sincerely, roradd/Uonol in(ormotion about using ~~(..A.,,r ~~~ Jrourrhecks,p(easesee w~~~~^" the backo(this page. P. Taylor Jamison, Director of Accounts ` ~ y P.S.Use your Purchase Checks today and take advantage of yotu great purchase APR. Plus, there's no transaction fee! *Please see the reverse for terms and conditions of using these checks. o6z44•o4 zoiy83 io889 68.677/Sto obz44-o4 zot487 Dollars Purchase Check ~'apitalQy~• Richmond, VA Memo Cardholder Signature il•L088911• I:D5 100 6 7 781:86524670ii626i1• JUSTIN G WEARY tg TRINE AVE MT HOLLY SPGS PA t7o65-tt4y Date r O i v ~ ~ ~o ~~ p m ~ m ~ ~o m v m ~ o rn m Ds > j ~ ~ ° Z~ ~s ~ ~ to n Z G) O ~ Z m 9 ~ r Z Z ~ ~ C i ~ m2 ~ * r' n m Answers to frequently asked questions PureJwse Checla - Gf>°atwlue wltltoatthe hassles! Q: What interest rate will apply when I use my Purchase Checks? ~ A: You will receive the same APR you currently enjoy on purchases. Q: Can I really use my Purchase Checks arty way that I want? ~ A: Yes, you can use your Purchase Checks for virtually anything - whether you're shopping for new clothes, making a major ~ home improvement or depositing it into your checking account. Another way to take advantage of your Purchase Checks is to consolidate debt from other credit cards and loans. ~ Q: Why would 1 want to use my Purchase Checks to consolidate debt? A: Frst of all, you can save money by transferring higher-interest-rate balances to your Capital One card at your current ~_ purchase APR. Secondly, by consolidating debt, you'll have Fewer payments to make for greater ease and convenience. Q: How are rrry Purchase Checks billed to my account? A: Your Purchase Check amounts will appear as purchases on your statement. And with both your card and check purchases together on one statement, it will be even easier to trackyour spending and manage your budget. Q: Where are Purchase Checks accepted? ~ A: Purchase Checks are accepted wherever you'd normally use your regular personal checks. You can even use them at places that don't accept credit cards. Q: Is there a transaction fee? ~ A: There is no transaction fee for using Purchase Checks to access your Capital One account. Q: Will my Purchase Checks ever expire? ~ A: Yes, the expiration date is printed at the top ofeach Purchase Check. So use them now for greater savings and flexibility! • The attached checks will be treated as purchases according to the terms of your Customer Agreement and any amendments to it but may not qualify for any reward programs. The attached checks are subject to credit availability, so you must have the available credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your account, and the check may not be processed or may be processed at a higher penalty mte if your account is restricted in any way, past due, or in co11ec1ions at the time it is processed. If the credit is unavailable or your account is not current as slated, your check will be returned unpaid and you may be assessed a Returned Check Fee. These checks cannot be used to pay down or pay oft' any Capital One account. Cashing these checks will qualify as using your account. 0 ~~ o ,n gi ~ ~ 1005 Capital One Services, /rec. Capital One is a federally regi.vtered service murk. Al! rlghly reserved. 0 O 2 aO m y N m ~? m -~ om T ~ lA a D ~ ; D 'O Z ~ n ~ ~ to Z ~ ~ 2 m c m ~ r °z F c ~ m = ~ to r 2 m - ~ 003 ~ First 3 months half-price peoplepc~~ online . ~ ~ * ' ~..i Abetter way to Internet. ~ ~ 1 ~ PeoplePC Online offers the features you would expect from higher-priced Internet Service attwnm ; 59.85/rno. thereafter Providers at half price for the first 3 months! ® Email Virus Protection ~~FREEACCeIE-I~tOI'' ® Pop-Up Blockert"^ , ~~'''"~~'''' "'~"'"~~°"r'°~"'s~` ~j Spam Controls ,lus G WEAR PO X 96 SIGN UP TODAYI ® Smart Dialer HOLLY S ~ ~ ~~~ ~~~ ~ 207 SPA 1706 ~ ~ ~ ®L More Email Addresses Mention Offer Code: OPAL ®~ Internet Call Waiting Or visit www.peoplepc.com/golopal ~ ~ Caplfs7 Yle PLATINUM VISA ACCOUNT MAY 20 -JUN 19, 2005 4862-3624-6701-1626 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance 51,324.86 Paymen[s, Credits and .4djtutmenzs 5.00 Your scheduled payment has no[ been received. Please remit the amount due appeazing on this statement if Transactions 5211.48 you have already made your payment, please accept our thanks. Finance Chages 512.97 Transactions New Balance 51,549.31 Minimum Amount Due 585.00 1 21 MAY AC MOORE ARTS&CRAFT 82 MECHANICSBUR PA 565.53 Payment Due Date Jtily 19, 2005 2 03 JUN KFC 730 047 CARLISLE PA 9.52 3 04 JUN TAIPEI CHINESE RESTAUR MT HOLLY SPRI PA 7.84 Total Credit Line 54,000 4 04 JUN AC MOORE.4RTS&CRAFT 82 MECHANICSBUR PA 10.59 Tonal Available Credit 52,450.69 5 06 JUN KM.4RT 00077461 CARLISLE PA 17.27 Credit Line for Cash Available Credit for Cash 54,000 6 11 JUN HOLLY PH.4RM.4CY MOUNT HOLLY S PA 22.76 450.69 52 , 7 11 JUN 0232 SHEETZ 00002329 MT HOLLY SPRC PA 27.21 8 13 JUN 010232 SHEETZ 00002329 MT HOLLY SPRC PA 7.92 At your service 9 16 JUN TAIPEI CHINESE RESTAUR MT HOLLY SPRI P.4 7.84 To mll Customu Relation or to report a lost or stolen card: 10 19 JUN PAST DUE FEE 35.00 1-~-9~5-7~70 Your credit limit has recently been increased. Please see the new limit referenced on your Scnd payments to: Send inquiries to: statement. We appreciate your busineu. Thank you for choosing Capital One. Attn: Rem;ttan« Processing Captal One Bank Capital One Swicrs You were assessed a past due fee of 535.00 on 06/19/2005 because your minimum payment was not P.O. Box 790216 P.O. Box 85015 received by the due date of 06/18/2005. To avoid this fee in the future, we recommend that you St. Louis, MO 63179-0216 Rchmond, VA 23285-50]5 allow at least 7 business days for your payment to reach Capital One. F'irlatlce Charges Pkruc nee revnre Jide jm imfortant rnforraation ~ Ba! rate Pe.iodu Corre~dng ~~~"~ N N appliedto cafe AAPR l; ^ PURCHASES (1,018.56 .01918%P 10.(5% f9.21 CASH f.00 .0590496P 2155% f.00 SPECLAL TR0.NSFERS 3415.69 .02918%P 10.65% 53.76 ANNUAL PERCENTAGE RATE applied this period 10.6596 • PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362467011626 19 1549310040000085009 New Balance 51,549.31 Minimtun Amount Due 585.00 Payment Due Date July 19, 2005 Total enclosed S Account Number: 4862-3624-6701-1626 Capital One Bank P.O. Box 790216 ~~~n~n~t~~~m~~ut~ St. Louis, MO 63179-0216 ~t~~nu~~nn~~~m~~t~u~~nut~t~ru~~rl~nns~~t~~u~u~t~ P/eareprintmai!'ngaddnaandore-mml ~grrbe! urirsgb! orblarkink Street Apc Y City Sna ZIP Y.ome Phone Ahemate Phone ~_ #9017086750064468# MAIL ID NUMBER _ JUSTIN G WEARY a PO BOX 96 ~ MOUNT HOLLY SPRINGS PA 17065-0096 N ° ~ Itn~~~~su~~~un~~nt~t~t~~ut~~m~t~m~~n~t~nt~~um~~~ r Pleare write your account number on your check or money mdn madepayable to Capital One Bank and mail in !ix rnrlared tnvelopc. ~~p,eo~lepc~M online PO BOX 96`~ Abetter way to Internet. MOUNT HOLLY SPRINGS PA 17065-0096 u~~~~MITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal PeoplePC is solely responsibe fa this offer, end is not eMtliated wrih Capital Orte. Capta One does rrat provide, endorse a guarantee, and is not affiliated with, any product a service shown here. Any trademarks mentioned hares are solely owrte(1 by the respective enttry. All rights reserved. By responding to this offer, you may hs communicating informaton abort yoursefl to the company that provides this product -for example, that you an; a Captal One customer. •PeoplePC Accelerated: First 3 months of service are billed at $4.97 a month; 59.95 a month Hereafter. 12-mmRr commitment requ'red fa PeoplePC Aa~lerated. Month-to-Month pdcvg with no term commitment is $t4.951or PeoplePC Accelerated; $9.95 for PeodePC Online without accelerator technology. Offer available to new tkal-up subsaitxrs at least 18 years of ago antl may not he redeemed with any other oNer Offer subled to change at any time. Phone technical support availade for E1.95 per minute. iWNth PeopItlPC Online Accelerated, certain Web page text and graphics will load faster when compared to stantlard dial-up Internet service. Actual resuks may vary. Service not available in all areas. Access foes, taxes and other fees and resiridions may apply. Phone technical support availade for $1.95 per minute. Far questims, call toll-free at 1-BBB-STRYNOW. ®2066 PeoplePC Inc. PeoplePC Online and the PeoplePC Logo are registered trademarks of PeoplePC. Inc. Trademarks are properties of their respective owners, All Rights Reserved. Service not evalab~e in all areas. Access fees, taxes, and other tees and restddions may appy. Telephone toll charges may apply, even dlldng Mal periods. You are responsible for determining whether a call to one of our access numbers will resuk in telephone toll charges. Access may he limited, especially during times of peak usage. Dial-up numbers may be changed al PeopkPC's discretion. Contintwus use subject to timeout procedures. AM use is subject to PeodePC OnFne's Services Agreement and Acceptable Use PtNiuy. 56K is the maximum speed of service; actual speed may vary. ® 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are trademarks of PeoplaPC in the U.S. and other countries. ® 2006 Capild Ono Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 O u~ m ~tyr IAN periodc rate. To obtain the average daily balarwe for the billing period covered by this statement, we take the begimmg balance of each xgment each day, add any rwuv transactions to each sepnent, and stbtrect any payments or credta. (If the code N appears en the front of tNs statement next to "Balance Rate Applied To,' wr: alx stbtroct any upnid flnerwe dwrge irwluded in the balance of each xgm nt.) This gives us the daily balance of each segnent. Tlten we add tp all rho daay balances far each segnent for the filling perod end dNde by the total number of days in the bNling pedod. TNs fives us the verege tlally balance of eadt sepnent. 3. Araaal Psaarbga Rats fAPltl. a. The term 'Anrwal Percentage Rate' may appear as 'APR" rn the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (CeniTicete of Deposit), or S (Benkcard Pdmel appears en the from of trio sutemrrn next to the penadc rate(s), the periodc rates and cortespadry ANNUAL PERCENTAGE RATES may vary uwneriy and may increase or decreeae based an the stated indwa, ea found in The Wall Srreet Jorrrnel, plus the margin ppreviougV datlosatl to You. These ~~dwea vAN be eNectlve en the first day of you dllirg pedod covered by your pedadc statement endng In the months Jaruary. April, JWy and October. c. If the rode D IPrima), F (1-mo. LIBOR) or G 13-mo. dBOR Repriced MrntNy) appears en the frail of your statement next to the periodic rate(s), the pedadc rates and correspoMktg ANNUAL PERCENTAGE RATES may vary mentdy ant may increax or decreax based on the stated indcea, as food in The Wet/ Srreez ,/ogrnel, plus the margin pretiausly dsdosed to you. Thex changes will he effective en the fist day of your billing pedod eats march. 4. Aasssanrant of Late, OvarRrrtif rd Rahanad Payewtt Fes. your accouni will be esaesxtl no more than two of the tees listed here that occur during any billing pedod. Under the terms of your customer egr emem, r xrve the right to ei or cwt to esaess any tees vAtlwut p for rotificaflrn to yw witfwut walNng our fight m assess the same ar similar fC t a later time. 6.tRarwwfrtR Vou Aewat. If a membership fee ppears en the front of tMe statement, you have 30 days from the date tds statement was mailed to you to avdd Deying the fee or to have such tee credited to you if you cancel your accotm. During this pedod, you may continue to use your account vAthottt having to pay tfw membership fee. To cancel your Door, you must notify us by telling our CustomeraRelatiens Department and pay your 'New Balance' in fWl (exdtrdtng the membershp fee) prior to the end o1 the tdny-day period. 6. If You Cbaa Yrrv Aooorant. Vou can inquest to clax y account by coifing r Customer Relations Department. You must destroy your credit certl(s) and account eccesa checks, cencW all preautfwrizetl billing, end cease usirt~ your account. If yeu do not caned preatnMrized filling erranpements, we will crnsider receipt of a charge your authorizetirn to reopen your account. Additionally, your eccemt will cwt be dosed until Vou pay all amounts you owe us including: any trenaectiens you have atrthodzed, finance charges, past tlue fees, ovedimit tees, returned Dayment tees, cash advance fees and any other fees assessed to your cant. Vou am resparsible for mere amotnts whmher they oppear en your account at the time you request to close the eccoun or they are incurretl subsequent ro y~` sgtwat to dose the account. TNs may resdt in c B ppeering on your accamt after you have your arrant if it has already barn dosed. For exnmplc. if you outlwrized a purdwsc from a merdwm and we receive the trareactien from the merdwnt af[or your accent has been dosed, your accent will be roopenod, the arrant of the dterge will be adtltd m your aecan[, rend you will bC respawiMe for payment. If [hem is a rmbership foC for your octant, the fee will centiate to be Charged, to the extent pcmined by law, ut[il dw cram balerwe has been geld in fWl as defined above. 7. llakq Yotr Aoeaad.Vour card a account carrot be ttsed In correction with any In[emet gemWkg verxaactlons. 8. Notba About FJastiortio Chaok Canvarafsrr. When you previde a t9wck as payment, you audwdze re either to the information from yam tlwck to make athe-time elearortic had trarefer from your bank accent or to process tfw peymem es a dwck vanaactlen. When we the information from yam dwck to make an electroric find tmrefer, fiatda may be withdrawn from Your bank accotnt es soon as the same day vZe receive your payrrtrxr[, and you will rot receive your dwck beck from your frwrwiel irreUtWen. BILLING RIGHTS SUMMARY (In Cax Oi Ertare Or Ouestlrns Aban Vau Blip If you think your hill la wrong, or If you roved more intormaden en e trartsactlen or fill, write to to m a separate sheet as aeon as passide at the address for gWries shown en the from of mia statement. We must hear from you ro later then 80 days after we sent you the first hill en whits The error or problem appeared. Vou can call eur Customer Rdatiens number, but ddrp x will cwt ^ rue your rghts. In your letter, give re the fdlowirtg rfomadrn: your reme and accetm ntmixer, the ddlor amount of the suspected enor, a description of the error and en explanatien, it posade, of vfiy you believe tlwrc is an error; or if you rcxd more iniortnatlen, a description of the Item you are ensure ebran. Vw do rot have to pay any motet in question while we arc Investigating it, bur you re still adigetetl to pay the pons of your bill that ere not n question. WNIe we investlgote your questlon, we rarrwt report ya es delinquent or take any acUen ro collect the amount you question. i,t Special RWe For Credt Certl Purchases If you have a probem with the quality of progeny or xMces that you purchexd with a credh card and you have tiled In goad taifi to coned the pradan with the merchant, you may have the fight not to goy the remaining amount due en the pr ny or seMCes. Vou have this proucden Dory when the purrhax price was more than 350.00 and the purchase ores made in your forme state or witNn 100 miles of your mailing sddreas. Ilf w+e oven or operate the merchant, or ii vve mated you tfw edvettisemrnt for tfw property or xMces, all purdwses are covered regerdesa of amourt or location of purchase.) PlCase remember to sign al correspondence. t Does eat apply to censurers non-crodr7 cent accounfs f Oocs rot eppty to buvness ear-uedir cots eccounrs 3 &fltporta Mlamraden priVeCY prgtectlen: age OUI www.captalore.com. r is a federally regitrtered service mark of Capital ial Cotporatien. All rights rexrved. 0 2003 T a. caraoa Period. Vou will Mve a mirimtm grace period of 25 Boys witfwut firertce dwrge rn new purdwses, row balance trarefere, new spedal purdwsea and now other charges if you pay your total -New Bnlarwe", in rtlorwe with the Important Notice for payments blow, and in time for it to be credted by yes next su[ement tlosing tlate. Them is ro grace period rn cash advartces ord sprxJal transfers. In addtbn, them is ro grace perod any trees -UOn If you rip rot pay fife total -New balance." b. Aooruiq Flnarroa Chago, Trareactiore wfYCh are not sbject to a gace pedod am essesxd flrerwe charge t) from Ute date of the tmrmctien or 2) trap the date dK trereactien is Dracesssd to yam Accent or 31 free fife firer celendor day of the atrratt billing pedod. AtkRUenelly, if you del rot peY the 'New Balance' free the Prevbtrs biRirq pedal in fi11, finance Urargea centiraw to occrtre to your tatpaid balance uttil ttw trpeid bebrtce is paid in full. This meere that you may still owe firerwe tlterges, even if you pay the etdre Now Balance iMrcetad en the from of your statemem by the rexi sutrxrwnt dosing date, but del cwt do x for the prtMan manm. Unpaid flrwrwe dwrges am added to the eppMrade sagnent of you Atxwud. t c. R,irrirraarr FTnrrw grgo. For each filling pedod that your accent la stLject to a finance dtarga, a mlNmun w[al FINANCE t]IAROE of 90.60 will be Imposed. U the total finance dtarge resWUrg free fire a~NCatlon of your pedaic rate(s) is leas than 90.50, we will sborac[ that amoutt from tlw 90.50 mkimtm and the dffererwe will be filled to the purdwx segrrtmt of yam accent. td. Tanpaary Redwtisn it rwroa t7urg We rexrve the fight to rot assess any or all firertce charges fior any even bi ling perioQ 2. Average Daily BYans IYwkrritp Naw Pu'ahasal. a. Frerwe chergo is calatated y mUUplying tfw daly balance of each xgnern of your acceun (e.g., cash advanre, purdwae, apodal trerefer, and spedal purdwx) by r1w cerrospondng daily pedodc rate(s) that has been ~vitxdy dsdoaed to you. At the end of each de dudrg hg pedod, ova apply t1w aaRy pedodc rem ~ eaen aegnem of yotx accent ro rite daily helarwe of each segnem. Then at the end of the billing pedod, vve add tr, the resttlts of dwse dally raltxtlaUore to arrive at your periodc firertce charge for eatlt segment. We add tp the reaps free each segrterx m arrive at the foal periodc firence dtaarye for yam eccastt. To get rfw daily balance for eedt segment of your eccaax, we take the begkxiM balance for each segment and add any new trereacdore rid any periadc firerwe charge calafated rn Ute Previous day's babrwo for tfw[ segment. Wa dtat sttbtract arty paymerrcs or credta posted as of thot cloy that am aaoce[ed to that segment. Tlis gives ce tho srpemre daily baance for eadt segment of ya,r acceutt. However, if you paid the New Balarwo shown rn yam preNous su[emom in full (or if your row balance was zere or a crtxit emote[), row trarwactiats vdtidt post to your purdwse or apadal purdwx segnenb am cwt addedd to the daily belertces. We calculate the average daily balance by addng al the daily balarwes together end dvfdrq the sun by the ember of the days in the curraa billing cycle. To calraaa[e your total finarwe dwrge, mWdpY Your average dally balarwe by the daily periodc rete antl by the ember of nays in the billing pedod. Due to randrg en e daily basis, [form may be a slight vaderwe between ifas ralrxleUen end the errant of Hence dtarge ecntaay asaeasad. b. If the code Z or N appears m me front ai ttus statemem rexi to "Baarwe Rate Applied To,' vZe mWdply the Irnportatt Nabs: Paymeme you mail to ua will DB cretlhetl to your eccotan as of Stw business day we receive n, providetl It) yw sand ma Dot[am portion of NIS su[anrem antl your clwck IPnathe rndosed remittance envelope antl (21 your paymem la received in our processktg cerrcer by 3 p.m. ET {12 noon PT). Pleax allow at least flue (5) buafnass days for postal delivery. ymtmta received by ue n any other location or m any other fomt may cwt be credited as of the de we rocaive them. Our buaresa days era Monday tMOtrgh Satuday, exdtrdrq hdideys. Please do eat use staples, paper d~qs etc. vNten preparirp your payment. Whert yyoauu sad ua a ctwck(s), you auttwrize tre to make acne-time elearoric transfer debit trap your bank aceotm for the amarrt of the check TNa autlwriza[ian applras to all cftacka reoaivad during ma filling cycle even it giant by saneare else, If vye cerawt process the transfer, you aWtwrize us to make a charge against your bank acmnt ttartg the check, a paper draft or ottwr been. YOU COULD SAVE UP TO 1 1 596738 OR MORE ON AUTO INSURANCE WITH ONE PHONE CALL See reverse for details-- ~:3¢a PL T A INUM VISA ACCOUNT JUN 20 -JUL 19, 2005 4862-3624-6701-1626 Page 1 of 3 Account Sunvnary Payments, Credits and Adjustments Previous Balance 51,549.31 1 15 JUL PAYMENT RECEIVED -THANK YOU E85 00- Payments, Credits and Adjustments 585.00 . Transactions Finance Chages 5514.10 EI7.10 Tratlsactions 2 18 JUN GL4NT FOOD STORES #112 CARLISLE P.4 64 52 New Balance Minimum ,4movm Due 51,995.51 559 00 3 18 JUN J0.4NN FABRIC #0404 CARLISLE PA , 29.10 Payment Due Date . August 19 2005 q 19 JUN 0232 SHEETZ OW02329 MT HOLLY SPRG P:1 14.14 , 5 20 JUN WAL-MART #2514 CARLISLE PA 45.13 Total Credit Line t4 ~ 6 23 JUN KOHL'S #0337 MECHANICSBURG PA 130.77 Total Available Credit 52,004.49 7 26 JUN 0232 SHEETZ 00002329 MT HOLLY SPRC P.h 27,00 Credit Line for Cash Eq 000 8 Ol JUL INFINITY BEADS CARLISLE PA 52.31 Available Credit for Cash 52,004.49 9 02 JUL GL4NT FOOD STORES #112 CARLISLE PA 17.69 l0 02 JUL MT HOLLY BEER & SODA MT.HOLLY SPRG P.4 24.30 At your service 11 03 JUL TACO BELL #17000170167 CARLISE PA 13.95 12 04 JUL WAL-MART #2574 CARLISLE PA Sq 27 To call Customer Relations or to 1-80~-95$-7~~0 repox a lost or xolen card 13 OS JUL TAIPEI CHINESE RESTAUR MT HOLLY SPRI PA , 32.81 14 07 JUL 0232 SHEETZ 00002329 MT HOLLY SPRC PPS 36.51 Smd paymaits to: Sena inqu¢iu to: 15 OS JUL WENDYS #0402 Q25 CARLISLE PA 1.a7 .Attn: Remittance Proccsing 16 l0 JUL 0232 SHEETZ 00002329 MT HOLLY SPRG P.4 12.66 Capital One Bank Capital One 17 16 UL 0232 SHEETZ 00002329 MT HOLLY SPRC PP. J 19.35 P.O. Box 790216 P.O. Box 30285 St Lows, MO 63179-021G SLC, UT 84130-0285 Finance Charges Plnue Jee reverre ridefor important information B d ' tart Prriodu Correponding FINAN `N~,~' i ( rdtn r~r APR ~I~Ajj"r' ~ PURCHASES 51,493.39 .0298696P CASH 10.9096 f13.38 f.00 .0597396 P SPECL4LTR4NSFERS 3414.79 .0298696P 21.8096 f.00 10.9096 53.72 ANNUAL PERCENTAGE RATE applied this period 10.9090 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4862362467011626 19 1995510085000059001 Piraepnat ma;(;ng aJArrro~ r~na;(rbangrs brim~m wingti! orti(ark ink New Balance El 995.51 Minimum Amount Due 559.00 So-eeo Apc t Payment Due Date August 19, 2005 City Sine ZIP Total enclosed E Home Ptwne Alurnue Phone Account Number: 4862-3624.6701-1626 Capital One Bank P.O. Box 790216 ~~~unt~t~n~~uu~~~ St. Louis, MO 63179-0216 ~t~~uu~~nn~~~ut~~s~u~~uus~t~m~~t~~uut~~s~~u~n~t~ ~ #9020186750064481# MAIL ID NUMBER ~ JUSTIN G WEARY ~ PO BOX 96 °~ ~ MOUNT HOLLY SPRINGS PA 17065-0096 r ° ~ ~ut~~~su~~~nn~~ut~t~t~~us~~m~t~ut~~n~t~ut~~tun~~~ r Pleare writeyour auoun} number on yoar rbeck m moray order made payable to Capital One Bank and mail in the enelared envcbpe. A few minutes of your time could be worth up to $400* or more. Call (80U} 993-5U66 today to see how much you could save! (Please mention Priority Coda 9703478903) or visit www.GetMyCapitalOne.com. .. .. . . . . . . . . . . . .. . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . .. . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . .. . .. . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . .. . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . .. . . . . . . . . . . 'Savings amounts are bated on insurance premium inlortnadon providetl by purchasers of insurance INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF, OR Ihrougn a similar program, from 2i.i/2004 b trill/2004, placed try Me licensed agents of InaLtgio GUARANTEED BV CAPITAL ONE; THEY ARE NOT INIiURED BY THE FDIC, ANV FEDERAL Capaatbn ('InsLOgK'), an efialate d Capital OM Bsnk, Capital One, F.B.R. and Capital One GOVEflNMENT AGENCY OR CAPITAL ONE. your dxielon k pumnea9 irtaurertGS and yDUr Choice Fnancial Corporatpn (tplladivaty, 'Capial One'1. of art ktsurer or opens will trove no eaect on your eiigidaly lei any Cepikl One protlucl a service. Cadkl One Bata maUnrlea Is Drougm t0 yW by Capital One IrtaUrence Ageruy ("COIA"), an atklkte Cf Capital One. COIA B a licensed insurance agency and provides ell iMOmnaflon regarding available ®2005 Capital One Servims, Inc. Cepitat One ie a tederaNy reg¢leretl servic» mark. insurance produds. Inaurence protlude ere provltletl by non-aflilialed participating insurance All rights reserved. corrpenies. ApdiceMS are indHitlualty urMerwriaen and not an epdicen+a tvia Wallty for insurertce. Nct aN insurance polkiea ant product kaNrea era avaBabk In ell states; ipso is rwt an filar a solidkdun let any juristlldion in wnicn lee poktSes or pnxlud features are not approved for sate. Captal One does not provide, entlomo, or guarantee arty INrtl~peM Product or service shown hem. ~ar ---_,Vf [G ` auto i nsu ranee g O i ~ f trp ~ ~~ nN periodic rate. To obtain the average daily balance for the billing Period cewred by this statement, w•e take the begirwng balance Of each sepnem each day, add any new varaecUOns to Bent a'gmem, and aDtract any payments or credts. {Ii the code N appears m the irartt of this stetemmt neat to ' Bdance Rete Appl'ed To,' vw also stbtract enV rrtpaid flnartce charge intluded k the heknce Of each u em.) TNa gives to the logy belertce of each aegnent. Then, we add up all the daily balartcea for each rar~n em to the dNirg period and dNde by the total bar of days in the filling period. TNa gives ua the 3. Arrad ~ dally balance of Bent segment. ertga Raoaa fAPRI. e. The temt 'Annual Poroentage Rate' may appear as 'APR' on the from of this atatemem. b. Ii the code P fPrime), L (3-mo. LIBOR), C ICenifcete of Depoai0, or S (Bankcam Prime) appears an the trap of INS aatemern next to the petlodc rete(al, 1ha periods rates and corteapetdrtg ANNUAL PERCENTAGE RATES may vary quenedy and may increase or decrease hesetl on the stated indam, as fount in 7ha Was! SUeet Journal, plus the margin ppreNOUSIy 6adosed to you. These Ma will be ehectlve m the first day of your 6illktg period covered bV YOUr pedadc ststement endng In the months January, April, JWy and October. c. If the code D (Prime), F (1-mo. LIBOR) or G 13-mo. LIBOR Repriced MonMy) appeen an the iron of your statement neat to the pedodc rate(s), the perlodc rates end cerreapondirtg ANNUAL PERCENTAGE R,4TLS may vary mortal y eM may increase or decrease based on the stated indces, as found in The We// Stroh Jozmral, plus the margin previouely dsclosed to you. These changes will he eNectiw on the first daY of Your hillirtg period Bent march. 4. Arauamart of LYa, Ovrgrrlt arms Rabltrad PaVarart Fans. Your account will be asaessod no more than two of the fees listed here that a:cw during any Nlling period. Under the terms of your cuataner agreement, eserve the right to ' a Io assess any fees witlaut p 'or rrotiflcation to you wa'thout weiNrg our right to assess the same or similar fees at a laser lime. 6.tlWtawip Yorr AoceN. If a membenMp fee appeere on the irons of this natemem, you have 30 days from the date this statement was mailed to you to 'd payirq rite fee or to have aunt fee credted to you if you caned your accotnt. During title period, you may continue to use your accoutt yNthotn hating to pay the membership tee. To caned your accerm, you moat notify to by calling our Customer Rekfims Department and pay yaur'New Balance' in irYl (excluding Site memhershp fee) prior to the end of the tMrty-day period. 6. If Yw CYosa YrAr Aaaaut. Vou can request to close your aa:ount by Caging our Crrstaner Relniore anment. Vou must destroy your credit cardls) and t eccesa dtecks, carxxl ell preernhodzed billing, and c i g your eccawtt. If you do net cancel preatniwrized d ling arrangements, we will consider receipt of a Marge your authorzation to reopen your accorm. Additiortelly, your accorm will rtot be dosed until you pay en emounta you owe us inciudirtg: any trertsactiore you have authorized, finance Merges, pan due fees, owdimit fees, returned payment fees, cash advance fees ant any other fees assessed to your account. Vou are respatsihle for these amounts whether they appear on your accaxn at the time you request to close the accent or they ere Incurred subaequertt to your requen to close the aceoum. This may reads in charges appearing on your account after you have your ecd>tnt if it has already been dosed. For examde, if you authorized a prudase from a mercham end we receive five tmrtsecrim from Ure mendtem Sher your accoum ltes been dosetl, yax octant will 6e reopened, the Smartt of the drerge will be added to your accent, and you will be reaporutide for peymem. If there is a membership foe for your acceux, rho fee will certursre to 6e dtarRea, to the extort pemitted by law, tnUl the accotrtt balance has been pe d in ftM as defined above. 7. UaYq Yrar Aaaart.Vour card or accent carrot be used In corrtecdm wits any kttemet gemblkq [remactian. 8. klstba Abort EMotrario Qaaak Corrvrtdon. When you previtle a dteck ea peyrrem, you au[fndze ua elther to the inormatbn trait your heck to make aorta-tire dectrorlic find tmrtakr from Yotm bank exam or ro Process rite paymet as a dteck trergacUon. When we rm inortnatbn from yew tlteck to make an electreto find trerekr, firNS may be withdrevn from your bank acearx as soon as the same day vve receive your payment, and you will not receive your check back from yam firertda iretitrmion. BIWNG RIGHTS SUMMARY (In Cese Of Errors Or Ouestima Ahern Vwr &Iq If you IMnk your bill la wrarg, or if yw need more intomtation on o traroactian ar 6ill, write to us m a Separate sfteret a3 soon asp 'tle at Ina address for 'ngrtiries shown on Me tram of this statement. We moat hear from yew ro later than t30 days after we earn you the first bill m wtich Ute error or prdtlom appeared. VOU can call our Customer RdaUats number, brit tkrng so wig not preserve you rigns. In Your letter, give us the idlovring ' formation: your name and accent number, rho ddler amount of Ute suspected error, a description of iho error ant an explnnatim, it posside, of wry you believe there is an Crtor, or ii you need morn information, a description of the item yw are unsure open. you do rot have to pay any amwnt in gix:mian while we are investigating it, brit you e still adiflatotl to pay the pans of your bill rhos are not n queaUon. While we investigme your question, we carrot report yw as delinquent or take any acdan to caged the amount you question. S,1' Special Rule For Cradt Card Purchases Ii you hew .a problem vrih Ute gralhy of property or seMCes Char, you purMased whh a crept card and you haw tried in good faint to certect the problem with the mercham, yrw may haw the ri¢n rot to pay the remaiNng mount fire m the propenY or aeMces. You hew tNs protection only when the purcJtaae prI was more than 850.00 eM the Wrdtase was made in your bane state or within 700 mike of your meiflrtg address. (If we own or operate the merdtam, or if we mailed you the adwnisement for the propehy or aeMces, all purchases are covered regardesa of amount or location of purchase.) Reese remanher to age all correspondence. t Does rwt apply to consumer non-cred'7 ce d eccounzs 2 Does eat erppty to business roe-erMX certl accounts Ora stppons information privacy protection: see our al vrww.cepptalorw.com. Ora is a tetlarally r istered eaMca mark of Capital meal Corporation. All rights reserved. 0 2003 01LGLBAK 1. How To Avid A Fiance Charpa. t a. Oraoa Period. Vau will have a miramum grace period o} 25 rip without firmrsce Ma pu balance Iml19fe9, neW 9pedel pllydlase9 erxf neW OthBr tlterycs if you pay your Seel 'New 6aknce', in eccordortce with the klsportant Notice for payments below, nd let tine for it to be credtetl by your next statement doelrg data. There is re gate period on cash advances and epodes tramkm. In arkf[bn, them Is ro grace period on any trertserUon If you do not pay rite mtnl 'New balance.' 6. ~ oFiwws tlt>a9a. Trareaniare whits are rtot frem the tlat~of thep trrarormcdon ofrom the date~thetl trensecdm is processed to yar AtxeM or 3) fran the first mlender day of the azrrert bigirq penal. Atkgdarelly, 'f You rid not pay the 'New Balance' fran the preNazs bYlirtg period in ftM, firertce Merges candrare m eccnre to your utPaid belertce usq the trtpaid belartce is paid in fill. This meare flat you mayy aiq owe finance charges, even if You pay the attire New Bakrtce indceted on the from of your statement by the next statement tltping date, but rid rat do so for the prevlau matth. Unpaid flrtatce Utorges am added m the appppqq We eapnem of yar Accent. tc. Mitfmran Finrrw Charge. For each billing period that your aceertt is stb)a,-t [o a M1tatce Marge, a mlNmtm total RNANCE CHARGE of 80.50 will 6e ImposeU. If the total Rrertce Marge resJdnp iron fire epplkatlon of your periods rme(sl is less than 80.50, we will srbtrtact that airs form the 80.50 mirimun and the dfkrtmtce will be billed to the purMese em of yam accam. td. Txrparary Raduotirn it Fnanoa CJtarg We reserve: Site ri~t [o rte assess any or all flrrence Merges for any given bi lirg period 2. Avraga Dagy Balrtoa Nnoludig New Pvahasas). a. Hnance Marge is celaiated y mJtiplying rite doily balance of Bent segmem of your octant (e.g., cash dvartce, purMose, apedel transfer, and spades purMese) by the cenesportdng daily pedodc rate(s) that has been previad y dadosed to yen. A[ the end of Bent day during the billing period, we apply the deny periods rata for Bent segnem of yam ocean[ ro rite ~ balance of Bent segnem. Thor at the end of the higrrg period, we add w the reaps of these deity raktlatiore to arrive at your periods finance Marge for Bent saTtatt. We add up the realty from Bent sagnent to arrive n rite total pariaic finance dsorge for your accent. To get Site daily balance for Befit segnem of your accetrtt, we take Ute be9t+rJr+g balance for sent segment ant add any rew tmreactiore arts any periods finance tlraarge calalated m the preNan tley's balance for Mat sagnent. We [hen eiLtrea any peymams or cradts posted es of shot day that ere alloceted to tMt segnan. 7Ns gives ce Use separete deny balance e ~ ~ en~vo; m r accent. However, If you pall forte your preNots aetanent in fit if your new bekrtce was :ero or a creel[ amore), new trmtsactiorre whits pen to your purdtese a apedd purd.ese segmems are rot adrod to the deilY balances. We celalato the average deny balance by eddrq all the daily balarttrea repenter and dvidng rite sun by the ember of the days in the arrrmx bigktg eyrie. To celalate your total firertce dtarge, mJddV War everege elegy balertce by tM daily perieic rate end by the nether of days in the bilk pedal. Due [o ranting on a daily basis, Mere may beg g sggm wdartce bawaen this calalatlm and the smart of flrnrtce cpsrge acttaagy assessed. b. If the erode Z or N appears m the front of Mis natamem next m 'Balance Rate Apoled To,' we mJtiply the Irrportat Naliaa: Paymema you mail to us will ba cretli[ed to your eccoun as of Me business day we receive it, proNded It) you aerM Me bottom ponkn of Ws setemem and your dteck in the erttloaetl remittance envelope and 11) your Payment Is racelvetl in our proceselrq tooter by 3 p.m. LT (12 moon Pi). Please allow at least Ave 16) business days for penal delivery. Payments received by us et any other location or m any other form may not bbee credtod as of the day we receive Sham. OVr businosa days are MpMay thragt $aturdey, ezcludrq holidays. Please do not use s[adea, paper dips etc. vAten prepamg your paymam. Wren you Send ua a check(s), Wu audariza ua to make aorta-lima electronic trenefer debit iron your bank accovtt for Me amwtt of the Meck ~Thia authorization apples to all checks rocavetl dudrp the billing calla even it earn by someone else. It we carrot procosa Me transfer, you authorize us to make a Marge against your bank accam using the check, a paper tlreh or other item. 201460 JUSTIN G WEARY, Save up to $400~or more per year on your auto insurance. CapitaliQy~® auto insurancef One-Stop Shopping for Maximum Savings: 1 easy step compares rates from up to 5 top companies** Free, no-obligation quote Save up to $400 or more per year! JUSTIN G WEARY, Call today (800) 993-5056 Page 2 of 3 or visit www.CapitalOneQuoteNow.com A few minutes of your time could be worth up to $400 or more a year. Find out how much you can save with a FREE, no-obligation quote. After you choose the policy that's best for you, we'll take care of the rest. In one simple step, you can get up to 5 competitive quotes from leading auto insurers. Because the quotes are tailored to your specific needs, you can quickly co!>lpare them to your existing policy and see how much you cars save. It's a smart way to shop that puts you in the driver's seat ... and in control of how much you pay! You can easily get a free, no obligation quote right now! Just visit www.CapltalOneQuoteNow.com. Or for personal service by phone, call (800) 993-5056 to speak with our expert insurance agents. m 0 n ~~ Call today (800} 993-5056 or visit www.CapitalOneQuoteNow.com Please indicate Priority Code 9803418903 Personallnsurance Agents available to take your call Mon -Fri 9 a.m. - 11 p.m. ET Sat 11 a.m. - 8 p.m. ET tone' ~ auto insurance Find out how much you can save in as little as 15 minutes. • PLEASE DETACH ABOVE 201460 You could save HUNDREDS OF DOLLARS by calling TODAY. For even faster service, please have the following available: • Current auto policy for comparison • Vehicle Identification Number (VIN) • Driver's license number • Priority Code 9803418903 Get a quote where iYs cornenient for you! Detach this coupon and use it to get your quote. ~ 'Savings amounts are based on insurance premium information provided by purchasers of insurance through a similar program, from 2!3/2004 to - 11!11/2004, placed by the licensed agents of InsLogic Corporation ("InsLogic"), an affiliate of Capital One Bank, Capital One, F.S. B, and Capital One ~ Financial Corporation (collectively, °Capital One"). ~ "` You will receive quotes from top insurers awarded high ratings by A.M. Best Company, the insurance industrys leading independent analyst. Ratings reflect A.M. Best's current opinion of each insurance company's financial condition and are subject to change. Ratings are not an expressed or implied warranty of any insurance company's ability to meet its obligations. r_ r_ r_ ~ t Capital One auto inswance is brought to you by Capital One Insurance Agency (°COIA"), an a8iliate of Capital One. COIA is a licensed insurance - agency and provides all information regarding available insurance products. Insurance products are provided by non-affiliated participating insurance ~ companies. Applicants are Individually underwritten and not all applicants will quality for Insurance. Not all insurance policies and product features are ~_ available in all states; this is not an offeror solicitation in any jurisdiction in which the policies or product features are not approved for sale. - Capital One does not provide, endorse, or guarantee any third-party product or service shown here. INSURANCE PRODUCTS ARE NOT DEPOSITS, ~ OR OTHER OBLIGATIONS OF, OR GUARANTEED BY CAPITAL ONE OR AN AFFILIATE OF CAPITAL ONE; THEY A,RE NOT INSURED BY THE FDIC, ~ ANY FEDERAL GOVERNMENT AGENCY OR CAPITAL ONE. Your decision to purchase insurance and your choice of an insurer or agent will have no ~ effect on your eligibility for any Capital One product or service. ® 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved 0 ~~ om rn~ ~n 10935 68.677/Sto o6z46-oz zot538 5Q n.,^ C0/7~fei~0i 1e• Richmond, VA Purchase Check Cardholder Memo Signature li'i0935u' r:05 i006778~:86524670ii6261~' Just write a Capital One® Page3of 3 Purchase Check! DearJUSnN G WEARY, You have things to do. And now you have an easy, convenient financial tool to help you get them done-Capital One Purchase Checks.* Better yet, these checks access your existing Capital One account, and they One simple solution for the come with the same rate you pay for purchases. Plus, there's no transaction fee! things you want to do... Here's why using Purchase Checks makes good financial sense: Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards Remodel your home aren't accepted. Use these checks with confidence. Pay tuition No matter how you use them, you'll never pay a transaction fee when you use a Capital One Purchase Check. Just be sure the total of all your checks and transactions doesn't exceed your available credit. Book flights and hotels Save time and money. Use your Purchase Checks to pay off higher-interest-rate credit cards and loans. That way you'll have fewer bills to pay each month. Plus, you'll Pay off some bills pay less interest. You've got things to do...get them done with l:hese Purchase Checks! Get cash for things you want and need Thankyou for your time, t~~~?,aH P. Taylor Jamison ~~,~ Director of Accounts Want to transfer a balance to your CapitalOne accountnow? P.S. You can use Purchase Checks just about anywhere! Please Call 1-877-476 7939 remember to use them soon-these checks expire on os/o8/zoos. *Please see the reverse For terms and conditions of using these checks. ~`apflalQ~° what's in your wallet?" o6zg6-oz zot538 10936 68-677/5io o6zg6-o2 zot538 Dnllnrc ~a~"t'~vr~" Richmond, VA Memo Purchase Check Cardholder Signature ~I'i09361~' r:05i006778~:86524670ii6261i' JUSTIN G WEARY PO BOX 96 Date MOUNT HOLLY SPRINGS PA X7065-0096 JUSTIN G WFARY PO BOX 96 MOUNT HOLLY SPRINGS PA 17065-oog6 Dote 0 O 9 = m S m F D 9 < 1 o -"' T 1 Oy ~ ; T 'p D ~ z a ~N n ~ z z m ~ O C F ~ i O = Z N C r N = m m _ Answers to frequently asked questions Rrrchase Checks - Gneatvolue wltl-outthe! Q: What irterest rate will apply when I use my Purchase Checks? A: You will receive the same APR you currently enjoy on purchases. Q: What can I use my Purchase Checks for? ~ A: You can use your Purchase Checks for almost anything - whether you're shopping for new clothes, making a major home improvement or depositing it into your checking account. Another way to take advantage of your Purchase Checks is to consolidate debt from other credit cards and loans. aa~ a. _~ Q: Why would I want to use my Purchase Checks to consolidate debt? ~ A: First of all, you can save money by transferring higher-interest-rate balances to your Capital One card at your current ~ purchase APR. Secondly, by consolidating debt, you'll have fewer payments to make For greater ease and convenience. Q: How are my Purchase Checks billed to my account? A: Your Purchase Check amounts will appear as purchases on your statement. And with both your card and check purchases together on one statement, it will be even easier to trackyour spending and manage your budget. ~ Q: Where are Purchase Checks auepted? A: Purchase Checks are accepted wherever you'd normally use your regular personal checks. You can even use them at places ~ that don't accept credit cards. ~ Q: Is there a transaction Fee? ~ A: There is no transaction fee for using Purchase Checks to access your Capital One account. Q: Will my Purchase Checks ever expire? ~ A: Yes, the expiration date is printed at the top of each Purchase Check. So use them now for greal:er savings and flexibility! ` The attached checks will be treated as purchases according to the terms of your Customer Agreement and any amendments [o it but may not qualify for any rewazd programs. The attached checks aze subject to credit availability, so you must have the available credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your account, and the check may not be processed or may be processed at a higher penalty rate if your account is restricted in any way, past due, or in collections at the time it is processed. If the credit is unavailable or your account is not current as stated your check will be returned unpaid and you may be assessed a Returned Check Fee. These checks cannot he used to pay down or pay off any Capital One account. If you have an authorized user on your Account, an authorized user cannot request a transfer and cannot use account checks. Cashing these checks will qualify as using your account. 0 ~~ om gi ^ © 2005 Capital One Services, lnc. Capital One is a federally registered service mark All rights reserved. 0 m O m m O D N '~ 9 D < a m ~ m 9 T' N m 9 ~7 O Z 9 D 2 O o n D ~ r N 2 O ~ m n ~ m O~i O N O `~ 7] 2 y m ~ _ ~ m N n r n z m First 3 months half-price 97* a month; E9.95/mo. thereafter SIGN UP TODAY: ' 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade oos peoplepc~M online ~ Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection Pop-Up BlockerT^^ Spam Controls Smart Dialer ~ij Phishe:r Security C~'p Intern6~t Call Waiting ~~~" P T LA INUM VISA ACCOUNT JuL zo -AUG 19, zoos 4862-3624-6701-1626 Page 1 of 2 Aocottnt Summary P~ents, Credits and Adjus[ments Previous Balance 51,995.51 1 18.4UG PAYMENT RECEIVED -THANK YOU E59 00- Payments, Credits and .4d jttstments 559.00 . Tmnsattions Finance Charges E63,p4 518 64 Transactions 2 11 AUC 0232 SHEETZ 00002329 MT HOLLY SPRG PA 528 12 New Balance 52,018.19 3 11 AUG TAIPEI CHINESE RESTAUR MT HOLLY SPRI PA . 7 gq Minimum Amount Due Payment Due Date 560.00 September 19 2005 q 15 AUG 0232 SHEETZ OW0232`I MT HOLLY SPRG P.4 , 14.U5 , 5 17 AUG OFFICE MAX 00007468 CARLISLE PA 8.03 Total Credit Line SM1 000 6 18 AUG WM SUPERCENTER MECH.4NICSBURG PA 5,00 Total Available Credit 51,981.81 Credit Line for Cash 54,000 Available Credit for Cash 51,981.81 At your service To X11 Customer Relations or to report a lost of nolen cud 1-800-955-7070 Send paymrnts to: Send ingwria to: Attn: Remiimna Processing Capital One Bank Capital One P.O. Box 790116 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 Finance Charges Pleareree reverre ride for important information ~ Bar rare Periodic 'i dt Correyondng FII~IANCE CjfAjjG app e o ram AAPR E PURCHASES 51,622.04 .029S696P CASH 10.9096 SLS.01 5.00 .05973%P SPECL4LTRANSFERS 5392.43 .0298696P 21.8094 5.00 10.9096 53.63 ANNUAL PERCENTAGE RATE applied this period 10.899'0 PLEASE RETURN PORTION BELOW WITH PAYMENT ~~~'""~ 0000000 0 4862362467011626 19 2018190059000060002 New Balance E2 018.19 Minimum Amount Due 560,00 Payment Due Date September 19, 2005 Total enclosed E Account Number: 4862-36246701-1626 Capital One Bank P.O. Box 790216 ~~~nut~r~t~~nu~r~~ St. Louis, MO 63179-0216 ~t~~nu~~un~~~us~~t~n~~unt~r~nr~~t~~uus~~r~~n~u~s~ P/earoprirzt mauirsg addru and r-mailcAuugrs brL,eu wrrzg blu~orbiarE irzE Srxer .4pc ,t City Sire ZIP Home Phnne Alucnace PMne 0 Finail Address ~ #9023286750064486# MAIL ID NUMBER JUSTIN G WEARY s~ PO BOX 96 sn =~' MOUNT HOLLY SPRINGS PA 17065-0096 ° ~ ~m~~~ut~~~nn~~ul~t~t~~ur~~ut~s~ur~~n'~~I~n9~~nur~~~ Pleare unite your account number on your ebeuF m money order made payable to Capital One Bank and mail in Ure enrlared envelope. peoplepc~~ online ~ Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade PeoplePC is sDley responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be wmmunicating information about yoursell to the company that provides this product -for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed wRh any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1-877-778-1207. Service not available in all areas. Access fees, taxes, and other fees end restrictions may apply. Telephone toll charges may appy, even during trial periods. You are responsible fa determinng whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peek usage. Dial-up numbers may be changed at PeoplePC's discmtion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. ® 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks or PeoplePC in the U.S. and other countries. ® 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 O O~I ~n~ n p~e ode rate. To obtain the everege daily balertce for the billing period covered by this statement, vye take the be9nnn9 balance of each segmenn each day, add any rew 1raf198CIlOre W P.aCh aeg~~aftt, 8nd atlraai enY payman9 or credits. (If the code N appeam m the tram of this aatemem next to 'Balance Rate Applied To,' we also stbtraa any tspaid finance charge included in the balance of each segmem.) TNs glvea us the daily balantce of eerh segnem. Then, adtl up all the dally balarx:es tar each se memo ~ dllirq period and dNde by the tmal ys in the Biting period. TNs glues us the rage dilly balaroe of each segment. 3. AmW artaga Raba (APR6 a. The term -Annual Percentage Rate' may appear as -APR- m the front of this statement. b. If the code P IPrime), L (3-mo. LIDORI, C (CCnificete of DepodA, or S (Bankcard Prime) appears an the tram of this atetemem octet to the pedodc rotate), the perodc retea end cemespondng ANNUAL PEr(CEMAGE AATES may vary quartedy and may increase or decrease based on the stated irtdces, as found in The Wall Street Joume% pus the margin prewotMy deposed to you. These darrgescewAll be effective m the first day of your filling Pori vexed by your pedodc statement erwing in the months January, April, JBy and October. c. If the code D (Primal, F It-mo. LIBOR) or G (3-mo. LIBOR Repdcod Monthly) appee the ironl of your natement next to the pedodc rate(s), the pedodc rotes and cenespondirg ANNUAL PERCENTAGE RATES may vary monlNy and may increase or decrease based on the stated irrdcea, as fond in The Wal/ Street J foal, Pita the margin previously dacloxd to you. These dtangea will be effahive on ifte first daV of your billing period each momh. 4. Atwasnrrtt of lab, Ovarerrnit acrd Raoiarrtl Payrrrart Faa. Your account will ho assessed ro more than two of the tees listed here thm occur during any billing period. Under the terms of your customer agreement, r rue the right to Waive or not to assess any fees wnthout DD ratification m yw without waiving OUr fight to assess iFtcl same Or similar fees at a later time. 6.tR~aawirg Van Attaat. If a membershD fee eplaera on the from of tNs statement you have 30 days from the date this statement was mailed to you to avdd paying the fee or to have such tee credited to you if you caned Vour account. During this pedal, you may continue to tee your accerrit vrilhotrt havitg to pay the membership fee. To caned your account, you must notify re by calling our Customer Relations Department aM~pay your'New Balance- in full lextludrg the berahip tee) prior to the end ei the tNrty-day period. 6. N You Cbw Van Aaaaad. Vau can request to dose yy r accent by calling our Ctetomer RelaUena uepanment. Vou must destroy your credit card(s) and cunt access checks, carad ell preeuthodzed filling, ant cease usirtQ your account. If you do not caned preemhorized tilling arrengementa, we will coreider receipt of a charge your amlariznion to reopen your accetnt. Additiarelly, your eccaatt will rat be Gosed until you pay all amounts you owe us including: any trensectiee you have atnhorized, finance Btarges, pest due fees, overiimit fees, retumetl payment fees, Cash advance fees ant any dher fees asseaaetl to your actwun. You are reapanaide for these amanta vvitether they appear on your account et the time you request to close the aceam or they are incurrod sttsegttent to y~i reequeat to dose the accaum. This may result in c g peering on your accotnt after yoU have your accent if it has alnearly been dosed. For example, d you autfnrized a purdyese from a menriant and we receve the traraactian from ttro mercharn after your ccotar[ hea been dosed, your aceant will be reopened, the amont of the daerge wiY be added ro your ecceun, and you II ~reaporniWe for paymem. If them is e to be Bap your accent the foe wfil cerxksre rged, to the extern pemitted by law, toil the accent labrtce has been paid in flYl as definrod above. 7~ t~ Inn comectbn tvitla enY intemet gsmMi ~t ~ vareacrktm. 8. Ibtbs Abort Flaotrato Clasak Conavarsisra. When you provide a Brack as payment, you authorize us dther to use information from your Brock m mako a oro-dme dearortic fund trerefer from you bank octant or to process the paymem as a clack transaction. When we tee infonnatian from Yota tlack ro make en doctrodc fund tmrefer, f1MS may be vvitfrtlrawn from your book aceaau nor soon as the same Bey we receive your paymem, and you will rot rocdve your rJteCk bock from your fnandel it»Utmion. BILLING RIGHTS SUMMARY fin Case Oi Emore Or Guesdms About Ywr Bile 1f ye, think your bill is wrong, or If y«, need more iniomedan on a transaction or hill, write re us on a separate ahcet as soon as po sitle et the address for hear irom~~ m ~ irant of this statement. We must ynw no later than 60 days after wC son you the first till rn which the error or problem appeared. You can calf Cur Ctetaner Rdadore rxanber, btrt ddrg so vAll not preserve your rigors. to Vaur letter, give to the fdtowirg information: your name and accetnt ntmber, the ddlar amoum of the suspected error, a description of the error and an expbnatitn, ii possible, of why yet believe thore is an error; or cif you need m re iniortnauen, a description of the item ywi arc unsure about. Vou do rot have to pay any motrn in gttetnlon while we are investigating it, hrn Vou re still odiilatcd to pay the pens of your bill that arc not n question. WHIG we investigate your question, wa carrot repon you e9 ddlrrgttent ar lake any action to collect the amotnt you tltteation. i,t SpeGal Rtle fur Cradt Card Purchases If you have a prodem with the cµalhy of progeny a Mces that you purclased with a crept card and you have tiled in good faith to correct tiro propem with the merchant, Ycat may have Uto right rat to paV Ute remalring errant due an the p ny or seMCes. Vou have this protection only wtren the punohase price was more then 350.00 ant the pureiase wee made in your home state or witNn 100 miles of your meieng addman. Ili ws own or operate the merBUnt or i1 we mailed Vou tM edveniseman for the PrapenV or aeMces, all purrdases e covered regardesa of amount or location of purchase.) Please remanber to dgn all cerrespatderoe. t Does not a pp/y Yo conwmer two-credit ca d occounYs S Does no7 s~ppty to business ran-wad[ ceN accounts One avppons tnfomailat privacy protection: see our al www.capitalarte,cam. One is a federally rags[ered service mark of Capital andal Corporation. All rigMa reserved, a 2003 1. Ffow To Avoid A Fnartoa Charga.- t a. t}aoa Psiod. Vou will rave a mirimtm grace period of 25 da without flrence da pu balance tmrefers, new apeBal purdases and raw other clrarges if Vou pay Your toW 'New Bdarrce', in accordance with the Inportarn Notice for payments blow, and in time for it m be credted by your roxt aatamett tladng date. There is ro grece period on cash advances end special trarefem. In addtlon, there is ro grece period any treleaedet it you do rot pay the total -New balance.' b. Aaotuig Firrvaa Charge. Trareactiare which are rot abject to a grece period are assessed firentce tlange 1) iron the dam of the vareacdm or 21 from the date the trareactim is processed to yen Atxant or 3) from the first cdendor daV of tiro currmrc 6illirr~ period. Addtioreay, f Vott rid not pay the 'New Balance from the previae bilfirg podod in flYl, firerrce rdagas cmUntze to accrue to your upeid balance trail the unpaid balance is paid in full. This meare that you may s[iY owe firtarioe Barges, oven if Vat pay the erniro New ertce indceted m the from of your aaLCmer1l by Ile roM ornament posing data, till[ rid not do so for Me provlws match. Unpaid finance Bargee added to Ure appppNN de agment of your Axant. tc. Mbirun Firataa Charge. For each filling period flat your aceent is stgect m a ikarrco B,.arge, a mksmtm total gNANCE CHARGE of 90.50 will be imposed. If the totd flnrertce Barge remitltg from [ho appli dm of ymur perodc rate(s) is less than 80.50, we will attract that amorstt from the 80.50 mirimtm and the dfferertce will be bleed to the purdase sepr~ant of your aceaatt. t d. Tanporary RaAMion it Fsunoa QtarY~. We reserve the right to rrot asset any or all fireroe Bargee for any given billing period 2. Average Daily Balanoa Iktakdsg Naw Rrohnasl. a. Finance charge is celesated by mtlbplyirg the daily balantce of eadr segnerrt of your accent (e.g., rash dvarrce, purdraae, specal varefer, and specal purcase) by the cerresporrMg dilly perodc rate(s) that has beat prevbtdy dadosed to you. At the end of eadt day during the billing period, we apply the deYy perodc rote (or each sepnent of your atxoux ro tla dilly balarrre of eaM agnem. Tian et ttte end of tiro bilnrg period, wa add tp the reaYta of dteae daey raldYetiae to arrive at your perodc firertce Barge for each xgrnent. We add tp the roaYt9 frOlm BeCh 88QOa8rn f0 aRIVe 8[ thB total perodc firence Barge for yet eceent. To get the daily belarrce for eapt segmem of your eccetax, we take the Degimirg belerroe for eaU sagnern end add anyy new trareacdore and any perodc firertce Barge celasetad on the previous Bayne bebroe for the[ aegtaxrt. We then attract any Pa ~er~ or credts posed ea of flat day flat era allocated segnrtrn. TNa gives u tine separore daily bdartce for each segment of your accent. ibwever, If you paidothe New Balertce shown on yea previous gatemen[ in ful if your rew balance was zero or a crept emerrq, now vereacdaa which poet to your purBaae or spedd purrsase aepnenta are not added to Ute dilly balances. We lalate the average daily balance by addrq all the daey balarrcea tagedror and dvidrg the sun by the reenter of the days in the wrrert billing Cycle. To calculate your tonal firertce Bar9a, nttYtidV Vour average daily babrtce by the daily perodc rate ertl by fire camber of days in the Mleng period. Due to rerrdng on a deny basis, [Here may be a sIIgM variance benueat tltb cdaYatlan and the amertt of firertce Barge acnaey asae~ed. b. If the code Z or N appeana on the horn of tNa statement raz[ to -Belarce Rem Applied To,' we mddply the Irtpatad Ntrtloa: Paytrtatta you mall to ue will be credta0 to your accoun es of fire bwiresa day we receive h, proNded (1) you send the bottom pardon of tNa sutemam ant your dteck in the enclosed remittance envelope artd 12) your paymem is recdvetl In our F acesdnq cemer by 3 p.m. ET (12 moat PT). Please allow at least flue (5) buaktess days for postal Delivery. Payments retaivetl by us at any outer locadon or m any other fora may rtot De credtetl as of the day we receve tftem. Our bteiresa days are Monday Utrorgh Saturday, exdudrq hdidays. Please do not use staples, paper dips etc. when preparing Your payment. When you sand ua a check(s), you autforze ce to make a ana-nme electratic trartafer debit tram your bank ue to make t ~moratt of the check Thia av[horization appllea to aY checks recaved during Uto billing cycle swat if sent by sameore rise. If we carrot process the trarefar, you atnhodze rga against your bank accent udrg the check a paper draft or other item. 201453 JUSTIN G WEARY, you may be minutes away from saving u p to ~400* or more per yea r on your auto insurance. ~apitalQy~®~ auto insurance Page 2 of 2 One-Stop Shopping for JUSTIN G WEARY, Maximum Savings: With a FREE, no-obligation auto insurance quote through Capital One,®a few minutes of your time could be worth up to $400 or more a year. One easy step compares rates from five top companies** In one simple step, our new insurance agency service provides Free, no-obligation quote up to five competitive, reliable quotes from leading auto insurers. And the quotes are tailored to your specific needs, Save up to $400 or more per year! so you can quickly compare them to your existing policy- and see how much you can save. In other words, this is a smart way to shop that puts you in the driver's seat ... and in control of how much you pay! r, Call today It's easy to get your quote by visiting our Web site at (800) 977-4070 www.CapitatOneCarNow.com. Or for personal service by phone, call (800} 977-4070 to speak with or visit our expert insurance agents. www.CapitalOneCarNow.com Please indicate Priority code Find out how much you could save. Act now for your free, 6204674592, no-obligation quote! Visit www.CapitalOneCarNow.com Personal Service Agents Or Call (800) 977-4070 today. available to take your call Mon -Fri 9 a.m. - 11 p.m. ET Sat 11 a.m. - 8 p.m. ET i FOR CAPITAL ONE° CARDHOLDERS 1 201453 You could save HUNDREDS OF DOLLARS by calling TODAY. Call today For even faster service, please have the following available: {800) 977-4070 Or VISIt • Current auto policy for comparison www.CapitalOneCarNow.com • Vehicle Identification Number (VIN) • Driver's license number • Priority Code 8204674592 "°!^~a~VffG' auto insurance As a handy reminder, detatch this coupon and keep it in a secure location for future reference, ~ `Savings amounts are based on insurance premium information provided by purchasers of insurance through a similar program, from Z3/2004 to 11/11/2004, placed by the licensed agents of InsLogic Corporation ("InsLogic"), an affiliate of Capital One Bank, Capital One, F.S.B. and ~ Capital One Financial Corporation (collectively, "Captal One"). ~ "You will receive quotes from top insurers awarded high ratings by A.M. Best Company, the insurance industry`s leading independent analyst. ~ Capltat One auto insurance Is brought to you by Capital One Insurance Agency ("COIA"), an affiliate of Capital One. COIA Is a licensed insurance agency and provides all information regarding available insurance products. Insurance products are provided by non-affiliated ~ participating insurance companies. Applicants are individually underwritten and not all applicants will qualify for insurance. Not all insurance = policies and product features are available in all states; this Is not an offeror solicitation in any Jurisdlaion in which the policies or product _ features are not approved for sale. r_ ~ Capital One does not provide, endorse, or guarantee any third-party product or service shown here. INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF, OR GUARANTEED BY CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC, ANY ~ FEDERAL GOVERNMENT AGENCY OR CAPITAL ONE. Your decision to purchase insurance and your choice of an insurer or agent will = have no effect on your eligibility for any Capital One product or service. r_ Ratings reflect A. M. Best's current opinion of each insurance company's financial condition and are subject to change. Ratings are not an ~ expressed or implied warranty of any insurance company's ability to meet its obligations. ® 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved 0 .n g o~ ~i ~ ~n 596781 QUICK CALL... UP TO ~ GREAT QUOTES ... 'I'kkr: ~ TRAVELERS ~@8U1'8nC@° Safeco Insurance ~, f~ A R'I'1~ I lk{ I) YYE g10W AUTO NSIIMNCE - ... could save you up to ., ~00*or more on auto insurance! ~P- " Yf2 PL4TINUM VISA ACCOUNT AUG 20 -SEP 19, 2005 4862-3624-6701- 1626 Page 1 of 2 Account Summary Payments, Credits and Adjustments Previous Balance ;2,018.19 1 19 SEP CAPITAL ONE ONLINE ACH PAYMENT 560 00- Payments, Credits and Adjustments ;60.00 . Transactions ;222.38 Transactions Finance Chazges ;20.23 2 I8 AUG WM SUPERCENTER CARLISLE PA ;1q,77 New Balance ;2,200.80 3 18.4UC SUPER SHOE STORES MECHANICSBURC'P.4 79 85 Minimum Amount Due ;66.00 Paymem Due Date October 19 2005 q 25 AUG WM SUPERCENTER CARLISLE PA ' . 24.11 , 5 25.4UG MCDON.4LD S F10212 CARLISLE PA 3.70 Total Credit Line E,1 OW 6 29 AUC WM SUPERCENTER CARLISLE P.4 q.86 Total Available Credit ;1,799.20 7 30 AUG 0232 SHEETZ 00002329 MT HOLLY SPRC PA. 20.17 Credit Line for Cash Eq 000 8 03 SEP TAIPEI CHINESE RESTAUR MT HOLLY SPRI P.4 11.00 Available Credit for Cash ;1,799.20 9 07 SEP 010232 SHEETZ 00002329 MT HOLLY SPRC PA 2.20 10 OS SEP GL4NT FOOD STORES #112 CARLISLE PA 19.88 At your service 11 10 SEP MCDONALD'S F10212 CARLISLE PA q.97 12 11 SEP 020232 SHEETZ 00002329 MT HOLLY SPRC PA 7 57 To call Customer Relations or to report a loat or stolen mrd 1-800-955-7070 13 11 SEP MCDON.4LD'S F10212 CARLISLE PA ' . 11.62 14 13 SEP MCDON.4LD S F10212 CARLISLE PA 4.98 15 15 SEP 0232 SHEETZ 00002329 MT HOLLY SPRC P.4. 8 15 Smd payments to: Smd inquicia to: Attn: Aemitmn« Processing 16 15 SEP BLOCKBUSTER VIDEO #902 CARLISLE PA . 4.55 Capita] One Bank Capiml One P.O. Box 790216 P.O. Box 30285 St Louis, MO 63179-0216 SLC, ll'F 84130-0255 Important Account Information Twelve unsung heroes of college at}iletics aze competing for the honor of Capital One National Mascot of the Yeaz -and you can help decide who wins: Each week, the mascots go head-to-head in wmpetitioq but only one will win the coveted title and;10,000 for their school. Go to capitalone.com where you can vote daily for your favorite mascot -and dvn't forget to tune into the Capital One Bowl on .4BC on Monday, January 2, 2006, to see who wins! Finance Charges Pleare tee r everre ride for important injormatian Bar rrrat Prrwdk Corregondrrg Fll~I.ANCE ~ ,~prdto ram BAPR CIjAIjG$ ~ PURCHASES 51,831.30 .02986%P 10.9096 ;16.95 CASH 5.00 .0597396P SPECLALTRANSFERS ;354.67 .0298696P 21.80% 5.00 10.9096 ;3.28 ANNUAL PERCENTAGE RATE applied this period 10.909'0 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4862362467011626 19 22008000ti0000066005 New Balance E2,200.g0 Min'vnum Amount Due ;66,00 Payment Due Date October 19, 2005 Total enclosed ; Account Number: 4862-3624-6701-1626 Capital One Bank P.o. Box 790216 Illuntltlldnnlrll St. Louis, MO 63179-0216 ItllunllnnlllnJlrlullnutltlurllrllnuJldlnlnlt~ Pleare vniteyosv auaant namber on yore P/asrprintmai('ngaddrrrra~ r-mailrJmigerbrlsvrvi gb( orbrork~rzE ary $h4 Home Ptwne gl[ecaare Plwne ~_ #9026386750064481# MAIL ID NUMBER NSTIN G WEARY n ~ PO BOX 96 c ~ MOUNT HOLLY SPRINGS PA 17065-0096 ° ~ Intlllutlllnnlltnlrlrllntllut~tlnallnlr~ntllnntlil dirk or money order made poyable to Capital One Bank and mai! in the enrlared envelope. Apc Y ZIP r A few minutes of your time could save you up to $400"or more Call Capital One Insurance Services' today (800) 993-5062 or visit us online at www.GetMyAutoQuoteNow.com ... and see how much you could save! Mention promotion code 8405150393 when you call. 8 O O ~ ~~~ 'Savings amounts are based on irqurence premium inlomlefon provided by purmesers of Insurance Mrouyh a sirtalar program, from 2/J/2004 to 11!21!2004, Placed by the Lcsnsed agents of InsLoglc Corporation ("Inslogic"), an affiliate of Capital One Bank, Caplfal One, F.S.B. arq Capital One Financial Coporagon (cdlecdvsly,'CaDaal One'). TCapiral One Insuronro Servires is Drought to you by Capital One Insurance Agenty ('COIq"), an efflliete d Gpirel Ore. COIA Is a liCensetl inauraroe agertry aM provltles alt imomaaon regertling avalkibl9 Insurance produd9. InsVanCe products are prowdbtl by ilon-alfiliatetl drN Inxrence corrtparaea. Apdicerda are irfdivitluaNy Iafderwriben end rot all apdkams well quality br insurance. Nat all insurance poicies and product matures are available in all states; flfls is not an tiger or sdicitalion in cry jurisdiction in which the pdicies or produd features are trot approved br sale. INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF, OR GUARANTEED RV CAPITAL ONE OR AN AFFILIATE OF CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC, ANV UNITED STATES AGENCY OR CAPITAL ONE. Your decision to e 11 r bi~br anranCce mtl your Choice of an insurer or agent wig have no gilled on your 91 M Y epRal One protlud or service. O 2005 Capital One Services. Inc. Capital One ie a letlerelly regisleretl service nark penodic rate. TD obtain the average daily balance tar the blllirfq period covered by this natement, wr take the begimng balaroe of each segmem each day, add any rfew LrafnactlM9 to ¢ach seg~~Gtl, 8114 91161reC1 any paymenl9 or credits. (If the code N appears on the ban of this stetemem rein to 'Balance Rete Apd'ed To,' uve elx attftram any uryaid finance charge irnludod in the belerfce tiff each segm t1 TNa givos rs the daily balance of eam segnent. Then we add uP all the dally balances for each n~m6er tolfo~tbe bllNrg period and dvidc by the tmal W in the bilgng perod. TNs gives us the average dally balance tiff each segnent. 3. Amax P~oanhga Itatas IAPFtI. e. The term 'Annual Percentage Rate- may appear as 'APR' on the front tiff rise statement. b. If the code P IPrimel, L 13-mo. LIBORI. C ICertificne of Deposit), or S IBenkcard Prime) appears m the from of this nmomistt rexi io the periodic rstels), the periodic rates and xrrespondng ANNUAL PERCENTAGE RATES may very µtanedy and may ixrwx or decreax based an the stated Indices, as found m The Well Smee7 Jorarfal, due the margin previously disdexd to You. Thex rhenges will by ettecUve on the first day of your billing pe vend by your periodic statement erMng In ibe months Janu4ry, April, JWy and October. c. If the code D (Pdme), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced MontNy) appppears an the front of your atatemeM rexi to the periods te(e), the periods rates and cerresporfdaq ANNUAL PERCENTAGE RATES may vary momNy anndd may increase or dxreax based on the stated irfdces, as found in The Wa/l Street ,/Dams/, phs the margin preNously dscloxd to you. These changes will be etfedive on the first daV at your billing period m month. 4. Asamnrlt of Lab, Ovrirrlit and Bossed Paynwrk Few. Your accelnt will be assessed ro more iMn iwro of the fees listed here that occur tludrfg any tilling period. Under the terms of your cunomer agreement, we rvc ibe right to waive or not to assess any foes witMUr prior retificatian to you without waiving our right to 89x99 tbe same Or similar rasa at a later rime. S.tR~rawiltg Vifrr Awurtt. If a membersNp tee ppearo m the fraM of this natement you have 30 days from the date Ws netement was mailed tD you to avoid paying the tee or to have strh fee credited to you If you cancel your steam. During this Denod, you may continue to ttx your eccolnt without having [o pay the membership fee. To cancel your axant, you must notify us by calling our Customer Relations Department and pay your 'New Balance- in fiat lexdudng tin membersNp fee) prior to the rand of the tNny-day pedotl. 6. If Vafu Cbw Yorr Aaaaad. Vou can request to clox your account by calling our Customer Relations Department. Vou must destroy your credit card(s) and account access clacks, caned all preaWhodzed billing, erM ceex usirf4 your account If you do rot caned preamhorized dllirtg arrangements, we will consider receipt of a charge your authorization to reopen your ceaunt. Additionally, your accent will not be dosed until you pay ell amounts you owe ua ireluding: any trareadions you have authorized, finance charges, past due fees, ovedimit fees, returned paymem tees, cash advance fees end any other fees asxssed to your eccouM. Vou are reaportsible tar Meae emouna whether they appear on your eccoum et the time you request m clox the account or they ere Incurred subsequent to your equem to dose the ace«.rt TNs may resWt In charges appearirfg an your account after you have your apdflllt if b hea already been dosed. For efmmde, if you authorized a pun3fex from s merrriam end we 've tlfe trarmctian iron the merdfam after your axotnt has Wean dosed, Vaur secant win be rco(fared, the emoum of the charge will be added m your occolnt, rand you will be resporfsible for payment. If them is a errfberstap fps for your accent, [be foe will con[inre w 6p tlfergotl, to the oxien[ pamattad by law, uftil the scent tfelexa has hoar paid in fiat as defined ebevo. 7. !!ring Vw Aaaoud.Your card or account carrot be rased In Deafeetim wkn any inferrer gambling trareactbre. 8. Notiw Abe[ Elaob'oNo pwak CarrvrNorf. When you provide a tlteck as payment. you alslnrize re durr to rave intonneiion from your deck ro make a one-time decttmiC ftnd trerefer fmm your bank accent or to procose the peymeM es a tlwnk trertaoction. When we inforfadon from your tlfcek to make an dxtronic fud tmreter, firth may bo whMrawn from your bank ecrwtnt as soorf as the some day we receive your payment, gird you wig rot receivo your dfeck back from your fiferroid iredtutian. BIWNG RIGHTS SUMMARY (In Cax Oi Enos Or Questions About Vow &Ip If you tNnk your bill is wrong, or if you reed mare Inbrmadan rn a vereecllan or blll, wthe to us an a separne sheet as soon as possible at tbe address for I~W fri ~shawn on the front of this aretemem. We ratter you ro later Men 00 days after we seat you the first bill m which the error or problem appeared. Vau ran Cell wr Customer Rdatlore number, but doing so will not prexrve your dens. In ywr letter, give to the idlowirg nfomatlon: your name antl accent number, tin tldlar amount of the suspected error, a dexriptian of the error and en ef~lanatian, if possible, tiff why you bdieve there is an error; or If you raced more infomtauan, a description of the Item you are tnsura about. You do rat hevo to goy any amount in question vM)le we are investigating it, but you are sun obligated to pay the pons of your bill that are not n question. 'Whit we investigote your q soon, we carrot report ye, as deNnprent or take any action to collect the amount you question. l,t Special RWe For Credt Cartl Purchases If you have a probom with the quality of property or xMces that you purmaxd with a credit card and Yvu have tried in good faith to coned the problem with the merchant, you maV have tln right not to pay tin remalNng amount due on the progeny or xMces. Vou Ifave this protectlon only when the purctux price was more than 350.00 and tin purmax was made in your bane stale or vritNn 100 ntilea tiff your magin9 address. 111 we own or operate the merchant, O! ii we mailed you tbe advertisement for the pr ray or xMces, all purchaxa are covered regardex of amour or kfcation of purchax.) Reese remember to sign all xrresparfdexe. t Does rot apply fD corasrurrer ran-credit card accounts i Duos not apply to business roe-credit Card eccoants Ono aapporta information privacy protection: see our at www.cagtalone.cem. Orfa is a federally repstorad xrtice mark of Capital aerial Corporation. All rights rexrvad. 0 2003 1Jrta 01 LGLBAK Ta. draw Wbd. You will have a mirimun grace period at 25 days vvithoui firer2ce dfarge an new pundfases, rew bebrfce tmrebre, new seeds! punafaxs and rew other dferyes if you pay your total -fapw Balance-, in ocrordarfce with the Important Notice for poymenis blow, rd in time for ft IO be credted by your rexi statement tloaing date. Them is ro grace period m cash edvarfces op1M spadararl~tr~re~ rs. In atlArbn, there is ro grace period balance.' Vvti tlo rot pay the total -Now b. Aoonirg Firwa purge. Treravactiare which arc rot subject to a grace perod am assessed flrtanee dnrge 1) from [he dare of the irarfsecdon or 2) from the date tbe trmxttion is processed to your Accevft or 3) from the first ralerfder daV of the urnorx lillirrd period. Addtiorelly, 'f you rid rot pay the 'New Balance from the pmNen billing period in fill, firerfce d2orges continue to accrue ro your trtpaid Ddarfce tad the upaid balance is pad in fill. TNs meare tlat ye, may stiff owe fraanco Ufarges, even if You pay the emiro New Bebroe ifticeietl on tin front of your sraremem W tin refs armament dosing date, but drl not do x for the preNOln monM. Urtpaltl flrertce tlnrges re added m tlfe appppl1c~de sagrneM of yotr Axen[. tc. Miirun Finanoa Cirarga. for each blllirg period that your accent is subjxt to a flrfartce d2arge, a miramun total RNANCE C)L4RGE of 30.50 will be Imposed. If the rota! flrarfoe Burge msr/rirq from tyre apdicatlm of your pariobc rete(sl is lax then 40.50, we will subtract Met Dun from the 30.50 miamlm and tbe 6fferince wig be billed to the purdrase sa~trm of your accent. t d. Tartporary 8lriwtion it Firfrf prrgo, We reserve the 'ght ro rot assess any or all finance merges for any given billirfg period 2. Avrapa DaNy Balance Ilnolud'ag Now Rrahaaaal• a. Rneroe dfarge is calaiated by mdtidying tffa dsily Delertce of eam segnem of your axouft (e.g., rash advertce, purdfax, spade! iramfer, antl seeds! purdfex) bV ins cortesporfdrg tloily periodic reta(s) Met hoe been previedy dsdoxd to you. At the end of sera day during the blllirgpe rind, vve aptly the logy padoAc rate for each xgmmt of yerr axe„t m the gaily mlarfce of gam segnem. Then et the end of the Ngirq period, we add ip tbe realia of those daily rafaJatiore to arrive n your periodic finance merge for sera selmem. We add tp rite resJts from xm xgnent to amve at the total periods firferoe merge for yor axerft. To fFt flit OeilY babree mr eam x(Snem of your axon[, we take the begkning balance for eam sognrfM and add any crew treravacdms gird any periods finance charge calaJa[ed on the previalm day's balance for that segment We flee sWvtract any paymems or credts poered as of tltm day Mat are allocated to that segnern. TNs gives re the xparete daNy bderfce for eam aegmem of your secant. However, if you gold the New Balarfce shown m yorr preNars netemem in full (or rt your rew bebrfce was zero or a credit amoux), rew trereacdore wNm post to your purtlfese a seeds! purrYfax xgnrnn are not safari to the elegy belerfcea. Wa calalate the average daily balance by wiring dl the daily belartces together eM dvidrg the am by the narafer of the days in the arteM dgkg cytle. To ralarlete your tad firferee dfarge, mWtldY Yifur average logy balance by tin daily periods rate antl by tin ember of days in the NINng periotl. Due ro rousirfg on a daily basis, tfnre maybe e sfigN variarfce between tit® celGladm and tbe amour of flrtatce marga recsally axexad. b. Ii the code Z o N operate on Me front of ibis statement rexi to 'Bolarfce (fate Appged To,' we mdtldv the Irrpxtrnl Ntftloe: Paymema you mail to us will be credited to your axwn as of the Duekfeae day we receive h, proNtletl (1) you saW the bottom portiat tiff Vela sutemrnt antl your dfack in the ereload remittance envelepfe and (2) your paymem Ia rocdvd in our processing tamer by 3 p.m. ET (12 rfaon PT). Pkax allow at lean flue (5) business days for postal delivery. Payments received by ua at any other location or m any other form may not be credted as of tffa dayy we recdve them. Our business days are Monday Mrough Seturtlay, exdWng hditlays. Reese do riot ux stories, paper dips etc. wfim Pioparkfg your payment. When You xM ua a dtxkls), you euthorize is to make aono-ame doaroric transfer dobh Iran your karat accoun for the amoum of the dfack ~TNa authaizagm apdisa to all mocks romvad during fife billirp cYde arse if xnt by spnoorfe dx. If vre cannot rooasa the trarmfer, ou auttariza us to make a ctfarga a27airret your bank acearrt uairp Ma check a paper drab a other item. p Y JUSTIN G WEARY, You could save up to X400*or more on auto insurance...with one quick call you can get quotes from premier companies .i.H}. ~ TRAVELERS ~esurance® Safeco Insurance ~. H r\ 1~'I' I~Q H I) we loiow Auro IxsuMNCe" Page 2 of 2 • One quick call Dear JUSTIN G WEARY, With your FREE, no obligation auto insurance quotes • Up to five great quotes from Capital One® Insurance Services,i a few minutes of your time could be worth up to $400 or more a year! • Fast and convenient In one simple step, you can get up to five competitive • Save up to $400 or more quotes from leading auto insurers. There has never on auto insurance! been an easier, more convenient way to shop for the best deal on auto insurance. People who have used our service to buy a policy reported savings of $400 or more. Call Today: (800) 993-5061 So take control of how much you pay - respond today or visit: to see how your current rate stacks up against the www.CapitalOneCarQuote.com competition. It's easy to do! n e indicate promotion code: dust call (800) 993-5061 8505150393 or visit our website Hours of Operation: www.CapftalOneCarQuote.COm. Mon -Fri 9a.m, - 11p.m. ET Sat 11a.m. - 8 p.m. ET Please have your current policy and promotion code handy when you call or go online. zo)s~a FOR CAPITAL ONE CARDHOLDERS YOU COULD SAVE UP TO $400 or more BY CALLING TODAY. Call today for your FREE rate quotes! (800) 993-5061 or visit www.CapitalOneCarQuote.com For the fastest service, please have the following available: Current auto policy for comparison Vehicle Identification Number (VIN) Driver's license number Promotion Code 8505150393 Detach and keep this as a handy reminder. ' Savings amounts are based on insurance premium information provided by purchasers of insurance through a similar program, from 2/3/2004 to 11/11/2004, placed by the licensed agents of InsLogic Corporation ("InsLogic"), an affiliate of Capital One Bank, Capital One, F.S.B. and Capital One Financial Corporation (collectively, "Capital One") t Capita! One Insurance Services is brought to you by Capital One Insurance Agency ("COIA"), an affiliate of Capital One. COIA is a licensed insurance agency and provides all information regarding available insurance products. Insurance products are provided by non-affiliated participating insurance companies. Applicants are individually underwritten and not all applicants will qualify for insurance. Not all insurance policies and product features are available in all states; this is not an offer or solicitation in any jurisdiction in which the policies or product features are not approved for sale. ~ INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF, OR GUARANTEED BY CAPITAL ONE OR AN AFFILIATE OF CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC, ANY UNITED STATES ~ AGENCY OR CAPITAL ONE. Your decision to purchase insurance and your choice of an insurer or agent will have no effect on your eligibility for any Capital One product or service. ®2005 Capital One Services, Inc. Capital One is a federally registered service mark. 0 ~~ on ~a YOU COULD SAVE UP TO OR MORE ON AUTO INSURANCE WITH ONE 596795 PHONE CALL See reverse for details-- ~~ayrita' P T LA INUM VI SA ACCOUNT SEP 20 - OCT 19, 2 WS 4862-3624-6701-1626 Page 1 of 2 Account Summary Pay ments, Credits and Adjustments Previous Balance 52,200.80 1 19 OCT CAPITAL ONE ONLINE ACH PAYMENT 566 W- Payments, Credits and Adjustments 566.W . Transactions Finance Chages 5477.62 524.41 Transactions New Balance 2 18 SEP SUNGL.4SS HUT 6W21037 CfuMP HILL PA 596.10 Minimum Amount D 52,636.83 3 19 SEP 0232 SHEETZ OOW2329 MT HOLLY SPRG P.4 34.45 ue Payment Due Date 579.W November 19 2W5 q 21 SEP 020232 SHEETZ UW02329 MT HOLLY SPRG PA 22.53 , 5 22 SEP WM SUPERCENTER CARLISLE PA 10.15 Total Credit Line S4 ~ 6 22 SEP WM SUPERCENTER CARLISLE P.4 31.94 Total Available Credit 51,363.17 7 22 SEP GIANT FOOD STORES #112 CARLISLE PA 23.58 Credit Line for Cash Eq 000 8 26 SEP 010232 SHEETZ OOW2329 MT HOLLY SPRG F'A 22,00 Available Credit for Cash 51,369.17 9 26 SEP GIANT FOOD STORES #112 CARLISLE PA 9.18 l0 27 SEP WAL-MART #2574 CARLISLE PA 23.81 At yotuservice 11 28 SEP WAL-MART #2574 CARLISLE PA 15.92 To nll Customer Relations or to report a lost or stolen mrd: 12 29 SEP 010232 SHEETZ OW02329 MT HOLLY SPRG F'A 25.56 1-800-955-7070 13 OS OCT KMART 00077461 CARLISLE PA 21.19 14 O6 OCT 020232 SHEETZ 00002329 MT HOLLY SPRG F'A 30.50 Srnd jnymrnis to: Send inquiries to: 15 10 OCT WM SUPERCENTER CARLISLE PA 33.10 Attn: Remitmnoe Processing 16 12 OCT WALrM.4RT #2574 CARLISLE PA 13.84 Capital One Bank Capital One 17 14 OCT 0232 SHEETZ OW02329 MT HOLLY SPRC PA 19.5G P.O. Box 790216 P.O. Box 30285 18 14 OCT WAL-MART #2574 CARLISLE PA gq 27 St. Louis, MO G3179-0216 SLC, UT 84130-0285 . Important Accotmt lnfonnation Twelve unsung heroes of college athletics aze comppeering for the honor of Capital One National Mascot of the Yeaz -and you can help decide who wins! Each week, the mascots go head-to-head in competition, but only one will win the coveted title and;lO,OW for their school. Go to capitalone.com where you can vote daily for your favorite mascot -and don4 forget to tune into the Capital One Bowl on ABC on Monday, Januazy 2, 2W6, to see who wins! F'utanee Charges Pleam ree reverJe fide jar important injarmation Balers rate Perwdv Corre~onding FINANCE gspllyd to rat AAPR A PURCHASES f2,233.i3 .03192%P 11.65% f21 39 CASH SPECIAi, TRANSFERS f.00 (315.07 .06178%P .03192%P . 22.55% 5.00 11.65% 53.02 ANNUAL PERCENTAGE RATE applied this period 11.6596 PLEASE RETURN PORTION BELOW WITH PAYMENT ~'~~'""` 0000000 0 4862362467011626 19 2636830066000079005 New Balance (2,636.83 Minimum Amount Due ;79,00 Payment Due Date November 19, 2W5 Total enclosed E Account Number: 4862-36246701-1626 Capital One Bank P.O. Box 790216 ~I~nut~~ui~s~n~~t St. Louis, MO 63179-0216 ~~~~tm~~nu~~~m~~t~u~~um~i~m~~i~~unt~~~~~u~n~~ Pleare write yam aerount number an you, Pl arrprnt marfingaddlrsra~ rma;lrl err brlod wi gb! or biark ix.E Strxt qPt ~y - _.- Ciry Suu ZIP rtome rnone Almrnaoe PMne ~ #9029386750064488# MAIL ID NUMBER JUSTIN G WEARY ~ PO BOX 96 s°n MOUNT HOLLY SPRINGS PA 17065-0096 ° ~ ~ns~~~w~~~un~~m~i~t~~ut~~ut~t~ut~~n~i~nt~~nm~~~ cheek o, rno y order ,aade payabt ro Cp:ta1 One Bank and,aail in t/x rnrlaied en~,elope. r ezuoytne noA 'Ja{suvu ayl esaaoJd rowan am ll 'asp xneutos A cues t uane a aAa du{ . 'ugy Jaylo Jo yelp Jaded a '1laaya ayl dJ!srt uJnooae >fueq JnoA 1su!ada adJeya a anew of an IIIJeq JraA ww`` t!gap Jelauwl apwlaela awn-xJO a eve oQSn ezu~ 1 yIlq ayl duunp penteow s>IaeW IIe of selpde wnezuoylne sNl ~laella ay1 to ttrowe ayl JOl lutoaoe 'sAeplpy dudtnpxe 'AapJnwg Ip11DJy1 AepW W ale cAap 886~IJIertq Jrtp 'weyxl~wpoeJ e(in1A~ a an pwa ItOA ueyM '1wuJAed JnoA buuadeid uayM •aw ' p Jaded 'sepals asn tau op eseald 'AJanIpD laisod Jol sASp ssau!srtq (y) any lanai 16 mope assay} '(~ uow Z t) Ll 'w'd~ Ayl to ae pellpwa eq loo Aaw uuo{ Jaylo Aue ul w uodeaol Jeylo Aue la sn Aq panpaeJ sluauNed >IOaW JnoA pus watualels s!N to wluod utotloq ayt Plus rwA (L) PapNwd 'y en saw aAEA q ssalus du!ssaaw Jl10 u{ panlaaaJ sl 1wuN JnoA fZl pun adopnua aawulwaJ PaaoPua ayl ul I aD nq ayt to ea turnaoe JnoA of palpwa aq IIN+ sn of I!ew noA stuauJAed :sogey {utyodul 1IV8lpll0 au0 COOZ a 'PenJassJ slydu I 'w!1eJOdJO~ lenuel leude0 to glees aalAJas patets~J AyeJepel a s! a 'uao•awlsl, ea'mMM lei too aa3 'wllaalOld AaeApd wpewl0{UI BLOddle aUp sjunoaas pea uPaJa-uw ssaursnq of A/ddv jou saop t SjOiroaaP pJBa }pain-(/w JaIJ/nSYJOa Oj A/dda JW SOOQ 'awapuOdsalJOa IIe udp of JaquJawal assay] ('aseyaJnd {o uonewl Jo lulpwe to ssapJedw paJanoa ale saseWJnd Ile ''saawas Jo Avatlold ayl JO{ twwaeluanpe ayl noA pal!ew am 1! Jo 'lueyaw ay1 alnado Jo umo am VD 'ssaJppe Ouglew JnoA to sal!w OOL uplu+ Jo area auto} ,rpA u( apBw BBM aseWJnd ayl pUS 00'05P ueyl Glow seM aapd aseyaJrtd aayy1 wyv. ANO wpaaiw0 du aww~~ noA 'saay.Jae Jo Auadwd ayt w arp tunowe NI ayl Aad of iw tydu ayl array Aew noA 'waywaw ayl 4tyn wapwd ayt laauw of yilel Pxld lp Papl array noA pue plea llywa a ytlM Paseynd rtoA lxp swyuas Jo Auadwd to Aulenb xP 411M uJapold a array noA y easaWJnd NgJ 1pw0 Jot aPtl IalaedS ~."t 'wpsaro noA lurtowe ayt laalpa of w!tae Aue aw~II I Jo tuaNwyap sv noA uotlw rowan aM 'uopsaM JnoA wedpeonul aM aINM 'wpsanb ul tw wv tsyl Ilq nsA {o sued ayt Aed of pawdlNo Xlw ale noA utq 'u Buyadllsanul ale am alµm w!1saM ul unowe Aue Aad of array lw op noA 'utoge wnsun a,e roA uqy x11 yo wpdpasap o 'wpeuuo{u! wow paw noA 1. o .'JaJa ue aJayi ana!pq noA Aµm {o 'ap!ssod 1! 'w!lauepKa us pus ! Joua oyi to wydgosap a 'town pawadsns ayi {o lunowe JBIpP x11 ',agwnu lUnoaae pun awes JnoA :UOyBwlOlul duvnolpf ayt sn a'.10 ',noel JnoA ul 'supu tnoA anJasald tw plm os dupp ttq 'Jaqunu swpeptl Jawotsn~ Jfq yea use noA ~pweadds wapwtl Jo JotJa oyt 4aW'n uo Ilq tvy ayl noA was aM Jaye sAep 00 ueyl Jalel w noA woy say wove ss 'iuallglel6 syl !O Iwl{ ayl w UMOW seunbU to{ atppe ayt to adyssod se uoos se taays ateJedas e w sn of alpM 'lip Jo w!weaneJl e w wllewto/ul wow paw noA 11 ,o 'BUwM s! Ilp JnM >fupt noA ll (IIR troA vlogy swpsanp Jp wmJ3 10 ase0 all AtlVWW(1S S1HOItl ONIll18 'wprtlltsut lepueuy Jf10A ores{ llaeq yaaW ,noA anpaaJ lau 11!M rtoA pun '3uauJAed JnoA anpaw aM Aep owes aW se was se lurtwae tluoq JnOA woo umwP4lyn o9 Aew ~s4 'Jaywwl piny aluwloap ue wlew of yaaW JrtoA utoy uopeutlalu! asp a uayM 'w!laeaJen >faaW a se 3uautAed ayi ssaawd 1 JO luraaav >lueq JrtoA uuJ; Ja}wBJI pay oNwlaap awp-aw a a>ISw of >faaW moA utoy wneuuolul asp of Jaytp sn azuoyne nM 'twwAed se tlaaW a appwd noA ~11M 'uepwnue~ tpsy0 eltJO.ptep >"aIV eeABN '6 'suglaesuwl BulNwed tawwy Aue yIIM uopaeutoa ld peso aq louwo lunoaae Jo ppp~~lea JraA•ynooetl roA ~5f1 'L anoge PouyalP y Wllnutad~ l+oa9 eey aweleq 11610. e Oyl IPw 'MBA lwtte ayl Ol 'pad1BW aQ Ol anuPlJOO 11!M sal ayt 'luttoaae JfgA ,oy aa} dllryaqutaw e s! wayt JI 'lwwAed Jo) algelJOtka, aq 11!M noA pue 'lurtoa;JV JrwA w PapPs aq II!nn adJeW ayl io lurowe ayl pauadow aq IIVn wnwae ,noA 'pasop uaaq say luttaaae ,rtvA Jaye wxlwaw ayl utoJi wllaoouen ayl anpaw am pue wxpJaw a utoy eseynd a pezpoylne nvA {I 'apwexa Joj "PaooP ux+y Mewls say y 11 lurloaae JrtoA w 1PBOJ A wJ Sµe tunoaae moA w duueadde saBJeya Nl 'lufgaae ayl asop of lsanbaJ JnoA w wanbosgns Daunwl ws Aayi Jo iuwaae oy1 aBOP w tsanbaJ noA awn a41 w lunaaae JnoA w ,vadde Aayt Joylalyv~ elunowe asayl Jo{ aplswdsaJ we wA 'lunwae moA of paseaese seal Jay1o Auo Pue saa{ owenpe }sea 'saa{ IwuJAVd Pawntw 'seal l!wpJano 'saa) anp feed 'sadJeW awes} 'pazuWlne aney noA suoltassuen Aua :du!pnlwl Bn amo iwA slunowe pa Aetl noA ptun pasoP aq lw II!nA turoxe JfgA 'Apauon!PPV 'lunoaae ,noA widow o1 w!lezuoylne moA adJeW a {0 ldpaai JoP!suoo IIM+ ann 'siuawadueue Wq)q pazuoylnewtl laouea lw op noA {I ~luwaoa Jnol du!sn aseaa pue 'dulllq PazPoytnea,d Its pwea 'stlaaW seaoaa lulgaoe pue (s)p,ea IIPaJa JnoA AoJUap ones noA 'twwueda0 swllelay Jautots<tp Jw dulllso Aq lunroae Jm asop of tsanbw ova wA •PSpoetl JnoA eaa10 noA it '9 'popad Asp-AUNt ayl yo pw ayl of Jopd (aa{ dpaJagwaw ayl dulpnl~a) Idy u! .awelee maN, JnoA had pue Iwwuada0 swpelatl Jautotsrq mo du!Ilea A9 ~ Ayiou lsnw noA 'lunoaae JnoA pauw of 'aa{ dNwagwaw yl Aad of dJlnvy lnoylyn uawaoe JrtoA yen of awywa Aew noA 'pound spl OuunO 'wtwaoe JtgA pauea noA yl noA of Pal9wa aeV Wns array of Jo sal xil duNed plona of noA o1 papaw seM luawaleu sNl awp ayl utoy sAep OE array noA 'luawalels slyl {0 lwl/ ayl w slBatldB ay tlNsJagwew a )I -7wtawV nvA~~...~~,,~ 9 Japwp Jo awes ayt ssasse of tydu Jnv Buµllemait~oyltA of wpeayliw Jopd utoylyn saa{ Aue ssaese of lw Jo anlem of tydp ayt anJasa, am wawaaJBe Jawolsna JnoA to suave oyl Japu(1 'pound Bulllp Aue 6uuttp Jtpw tvyl way paten saa{ ayl {o oM1 ueyl wow w paesasse aq 119n wnoaae JraA •aNd 1lRtuAad PsuJroeB Pun 1!quen0 'yal io }wuosssBV '9 ylww Wen pound duyl!V JfgA {o Asp lsJ9 x11 w anp~oµa aq pyn saduaW asayl 'rwA of paBOlasy Aprwywtl ub~aw ayl sold %vunw/' jaaijS //aM a41 ul puro{ se 'saalpw palate mp uo paseq asowaap Jo asaaJw! Aew pus ANlww AJen ABUt S31 ~ 30VJN3083d lVl1NNtl BudxtodsaJJOO pue you ayt '(s)ale ap uad ayt of aces twwwns ,noA )o fowl ayt w sJeadda (ApIwW peouday tlO811 'otu-E) O to 1tl0911 'ow-ll d 'lawpol O apoa ayt ll 'a uagola(J We APf 'Ipdb"Nenue(• syiww ayt ul Bulpua iwwaleu o!pouad JrgA Aq paJanw popad BuII1N JnoA {o Aep lwy ay1 uo anpaaµa eq IIY+~ sa6ueW asayy 'noA of pasoPslp Adnotnw u6Jew ayl sop 1suJno/' jaanS !/sM a41 u! Pao) se 'saapnl pelels ayl W paseq aseaJaap Jo aseaJwl Aew pun Apauvnb AJen Aaw S31W 3pV1N3~tl3d lV(WNV 6uPuodsauw puv salve ayoP ayl '(s)a1eJ apoped ayl of ttau lltalwlets sN1 yo twy ayl w sJeadde (awud PJeayua8l S J0 '(ysodap {o aisay!vapl 0 '1tl0811 'oui-EI l '(awud) d aPoa a41 VI 'Q wawatew syl to lave; ayl w ,tldy, se ,eadtle Aew ate} adnuawad lanes}, aunt ayL 'a 'luawdae Wea lom~leq~,ll!eP aBe wvW £ ayt sn sanld sNl 'Popad Budlq ayl u! sAsp to Jaqutnu level ayt A9 apNP Ws POpod BuINq ayl Jol luaulBas yasa Jol saawlaq AIISD x11 Ile do ppe am 'uay11 '1uauEas Wea to awsleq ANep x11 sn eanlB aNl 1'tuauJBae Wea to sle9 ayl u! Papnpul adJeya ao1J¢uy P!etLn Aue wnigc OeIB 3M ,'Ol P01MdV a1Btl awepe, Ol ttw 1wwa1p6 sqi io uJOJI x11 w weatlde N apes ayl 11) 'sld+aJa Jo ~1wwAad Aue wwlgns puv 'Iwlttdas Weo of swl4aBSUn1 Aue PPe 'Asp Wea wawdas Wea {o aweleq duwldaq ayl a>let am 'lwuJatets sNl Aq pwanvo pound Buylq ayl Jo{ aweleq AI!ap adwane ayl uleiW of 'ales alpou x11 Apnnw aM -'ol Palpd'o alstl aouspJg- w ttw twlwlsts sop to lwy ayl w wextle N ,o Z apoa ayl 11 '9 to lurtowe ayi pue uopedalPe~ a ~etp aa,wy v a4 A@W alayl 'seieq Allep a w NBA ]ydds du!IIp ayl u! sAep {o , uiu Bud>t+oJ al an0 'pound aq ayl Aq pue ww ayouad Apep ayl Aq aaualeq Adep adwane JttoA Apppuu 'adJel•;J aauwy lelol JrtoA wedtolea of 'aPAa a+7!q luauro ayl u! sAep ayl to Jagllnu ayi A9 one ayl d+9N9 Pue ,ayiadpl saw¢leq AI!aP atp Ile dwppe Aq aowleq Apep ade,ane ayt ale~nlw aM 'sawepq AI!eP ayl of peppy lw we slwuBas asetpJrtd wppads Jo ase,pxM JttoA of lsod W Nm swlwsswn '(tunow¢ tpwa a Ja waz stzM aweleq Mau JnoA 1! ,) I/y +X 1wuJalete sttopaJd JItOA w uMOys awele8 MoN ayl~pled rtoA 11 'Janamory 'lunmae JnoA ;o luautBas yasa Ja) pq AIpP alwBdee ayl 91 6an~ spy 'riJauJdas 1Byl of palmtgp ws lxp Asp imp to se pelsad B]pwa Jo slwwAed Aue lawlgc uap aM 'ltJatlbas teyt Joy aweleq s~1ep 6fglnaJd ayl w paw-plc~ adJtnp aweuy oyou Aue pue suoPaeauwl Mau Aw PPa pue 1wuEe6 Wen Ja} aauelaq BI1111l1daq ayt allel BM ']UIWae JfgA )O ]wutdas WBa JOl aauapq ApeP ayl lab of 'luttoaae JrtoA Jol aBJeW awes} ayopad 1¢101 oyl ]e apple w ]wutdas Wea U,ny 61In6w ayl do PPa aM 'wauJdae Woe ml adJV,p awes} ayopatl ,ttoA le anwe of swua~wlw AIpP acxp l0 6lplsal ayl do ppa aM 'popad Butplq alp to Pw ay1 le ueyl 'wautdas Wea to aawpq aIIBP ayl w lutmae JnoA ;a luawdes Wen Ja) atw apopad Adap ayl Apde am 'popad du!dlq ayl PnP oP Wen }o pun ayt iy -roA of pasopsy Alsrwlnwd uaaq say leyl (s)a3eJ apopad Apep ~,P~a+wa eW A9 (aseynd leoads pun 'Ja)suan leoads 'aseynd 'awenpe ysva '=d'a) luttoaas JfgA {o iwutdas Wen )o awning AXBP ayl Buypllltw A9g pawpoleo s! aBJeW aweuy 'e •IsssetpJrtd n1eN dt!Itz~o41 eousKe N!a0 edar.J.y 'Z uant6 Aue J sadl ~~~ ~+!IIq M eW aweuy Ile Jo Aue ssassa wtJ w ulBu ayl anJasaJ aPA •s6wlp nsueu,d u uepeR+eB A:JOAwl 'P ~. 1114JOe Jf10A JO lwt,Bas~awlpJnd eyi w Paldq 09 II!M aauwa);9 xP Pue unwlww 05'08 x11 ut0y ltrtowe leyl lawlgts III eM '05'08 ueyl seal s! (s)alve ayopad JnnA to wPwlldde ayt wo+l BuRln%o+ adteW aau¢uy lelol xp !I 'pesodwl aq II!n+ 05'08 l0 30tlb}p 30NbNFJ fetes unwplw a 'adJaW aatt¢uy e w laa)gle sl lUbaae JnoA teyt poPad BuXNq Wea Joj •e6sW eusui uttaullpq ~o~ 'lunoaay JttoA )O lwutdae apwddde ayl Ol pappe wa saBJeW awes} Pledufl '41ww srwywd ayt Jo/ os op lw py ltq 'alep BOIBOP 1wUJalw6 ttw ayl Aq lwwalels JnoA la luny ayi w peleayu awapg MaN wqw ayt Aad rtoA 1! anon 'sedJeW aweuy aMO IPS Aew twA lelp sueaw eNl 'Id4 u! plod s! exJVlaq PlBdut eyl IPun ewepq predun ,roA of an,aae w atwpwa sadteW aweuy 'Idy u! pound dulXp sropnwtl ayl uuy aausp8 'HaN. ayl Aad lw P9 rioA I! 'AlpuoPPPV' 'Poped Ou91p luwJm xp }o Asp Jepwl~ lsly ayl ores} (E Jo tsrtuuay JIgA of Pxvaamtl s! wnaeswJl ayt veep atp utoy 4Z Jo wpaesuwl ayt to slap atp way (L adJaW awes} passasse we popad a eJ8 a of 3aa[gns Iw we WI4M swlweauwl 'edJS1p eottntld dtJy]eeV '9 MaN_ lelw ayt Aad loo ap noA ll uoP-'~JBJ3 Aw lw popad awd w W a,e1p 'uoryppe ul 'waluun pPade pue sawenpe }saa w pound eaeJB w s! wayl -alep Bucop lwuglel6 ttw JIIaA Aq p0lpwa aq Ol L laJ aWn W POe 'mopq elwwAed JOl a7npv)y uteuodwl ayt lpkm aouepioaae u! ' awale8 MoN- Rlol JfgA Aad rtoA 1! saB,eW ,ayes Mw P,e eaBelwrtdIepads Mw •walwen aarepq Mau 'sassy nd mw w adJaW aweuy 1nxP!n+ sAep 5Z to pound aaeJd unwulw a array II~+ noA •pauty veep 'e 1 V~ ~~ ~ O 8 „sa~in~as a~ueansui ,~uQj alasJa/penotddelon em swnlael lxgn,a Jo seplpd eyl yalyM u! uopayslJn(Aue u uopelPlps Jo Jeyo ue wu s sop :selels Ile ul elgedene we setryea{ pnpwd pue selopotl eouwrtsul ue IoN 'ewensu! wl Aplomb Idtw sluagldda ~Den,asa, slydp nv Ire loo Pue uedunn,epun Alpnplnlpw ere s1ue0~ddy 'salultduJOO eauwrlsul BugedadJed PeIaIPJIe-uw '>f,ew ea~nJes Pwalsidw Allwopey a s! euO IW!dep 'wl'saa~nteS au0 Bl!dwJ SOOZ dt '~ ~nO1d we slanpwd ttwwrrsul 'sPrpoJd ealeJrtsw algepene 6usuedeJ uoVeuuope Ip seplwtd pue Aauede aaue+mtl pesueall a s! tl10.7 'sup Iv+MeO P swpy>B ue '(,v100,) Awa6V ewetnsul 'eauves Jo IanpoJd x+0lel!dep Aua, eup lel!dap Aq noA w 14drgtq we aaueJnatl opy eu0 Py!BO0 P1te searlueg eauwrreul w0 pPdaO of ANq~lls twA W laeye w array pPn wade Jo twnsu! ue to ealuya JrtoA Ws ewamsul eseynd w wypap ,noA'3N0ltllIdV7 tl0 AON3eJV 1N3WN83A00 '(,euU Iellde0, Alenpasdoa) wda,odJOp lapueuld 1V8393i ANV 'OIOd 3ry1 A8 038f1SNl lON 3klV A3Hl 'd N0 1V11dV0 AB O331NV8V(10 eu0 pgidap pus "B"S~j 'w0 ddldep •>fue8 wp le4de0 to ele!dye ue •(,a&rlal,) uogw kl0 'd0 SNOIlI JI180 H3H10 80 'S11SOd30 lON 3FIV S10f100kid 30NVtlOSN1 a!do-ISUI;o swede pesuea!I ayi Aq peaep ~900Z/tt/ll of M70Z/fJL uJOy 'uJwBOJd ,ellw!s a yB~lOp ~atey unoys ealntes Jo Pnpwd Mad-PJ! W Aue ealueJmtd Jo 'ewopue 'epNotd Iw seop sup IeUdeO eouwnsul to sJeseynd Aq pegnoJd uoµewJO{u! wnlwwd eauetnsul w peseq wa slunowe sdulneS, eu,o~•nnoNa~on~~w}a~•nnnnn~- ~!S!~ ao ~40LZ8ZZAL8 epos uopowo~d uopuaw asec~d) ian~s p~no~ nog( y~nw nnoy ass o; ~t~po} 59OS'ES6 1008) ~~~~ •aaow ao *pp~~ o~ do y~onn aq p~no~ au,i~, ano/~ ~o sa~.nuiua nna~ d •a;onb ano6;a6 o;;i asn pue uodno~ siy; y~e;aa ino6 ~o} luaiuanuo~ s,;i a~aynn a;onb a;a~ aagwnu asuaJil s,.lanud . (NIA) aagwnN uoi;eJi}I;uapl ahiyaA . uosuedwoa ao} tigod olne;uaa.ln~ . :algeliene 6uinnopo} aye aney asea~d 'aJin~as ~a~se} uana aoj Jlt/a016ui~~~~ ~(q S2~b+llOt7 ~O S03adNf1H anes p~no~ nod besioz • 3AO8tl HJtll3O 35tl31d •sa}nu!ua 5 ~ se ai}}g se u! anes ue~ nog( y~nw nnoy }no pu!~ 's}ua6e a~ue~nsui }aadxa ano;o auo y}!nn heads o} b905-E66 (008) III `auoyd /(q aolnaas I~uos~ad ~o; a~ •woo•nnoNa}onpo;ndaa.l~•nnnnnrt }Is!n }snp Innou }y6u a}onb uo!}e6ggo-ou 'aa~~ a }af ~(lisea ue~ noA I~(ed nog( yJnua nnoy }o lol}uoJ u! pue "' }eas s,aanup ay} u! no~(s}nd }ey} dogs o} ~(enn }~euls a s,}I •anes ueJ no~C yJntu Moy aas pue ~(Jyod 6u!}s!xa .Inol~ o} uaay} a~eduaoJ ~tI~J!nb ueJ nod 'spaau J!~!Jads lno~! o} palol!e} aye sa}onb ay} asneJaB 'SJalnsul o}ne 6u!peal uaa~ sa~.onb an!}!~aduaoJ 5 0} do }a6 ueJ nog( 'da}s aldua!s auo ul •}saa ay};o aaeJ ale} Il,ann 'not ~o~ }saq s,}ey} ~J!lod ay} asooya nod la}}y •a}onb uo!}e611go-ou '3321 a y}!nn anes ueJ not yJnua nnoy }no pu!~ '~ea~t a aaoua to OOb$ o} do y~lonn aq plnoJ aua!} lno~C }o sa}nulua nna~ y woo•nnoNa3onpo~ndaal j•enNUa }, ~~±± }!s!ncco (( //~~ Z1°Za~d V907~46V \OL~) ~(epo} Iles `l~at/3M J NllSflf -SaJINaS aJUeln$UI I ,aLIQ 13 'w'd 8 -'w'e l l leS 13 'w'd Ll - 'w•e 6 uj - uoy~ peg ~no~( a~e~ o~ alge~iene slua6y a~ue~nsu~ ~euos~ad bOlObS£LLS apo~ uoi;owad a~eJipui aseald worMONelonpo;nyee~ j•mixan }ISIn JO ~9o5-ESS (oos) ~(epo} Iles ~~ea~( aad aaow .lo ppbg o} do anes a}onb uo!~e6!~go-ou 'aalj saiuedwoJ do} 5 0} do wad sa;el saleduaoJ da}s .(sea ~ :S~UI/les W1IWIXC~f/~ ao~ 6uiddoys do;s-aup ~sa~inaas a~u~.lnsul ~ ~~up~e~l~ •a~ueansui o ne anon( uo aea~( aad aaoua ao.00~~ o~ do anus `A~it/3M J NllSfl~ bolob5£lL8 apo~ uoi}owad . V b85lOZ V~ ~~ ~O O 3~ O •pen~esaa s146u Iltl'~ew eopues pwelsi6a~ ~pe~epe; a sl eup lellde0 •oul 'seoweS euO lel!de0 SOOZ ~aoin~es ~o lonpo~d eup lel!deO ~(us ~o; Alplgl6pe ~no~S uo loeµa ou eney plot lus6e ~o iemsul ue;o soloyo ono/ pue eoue~nsul eseyand of uolsloep ~noA '3NO ltllldtlp Fi0 AON3~Jtl 1N3WNd3A0'J ltllf303d ANtl 'OIO~ 3Hl A9 03dnSNi lON 3kJtl A3Hl'3N0 ~tllldtl0 ~O 3ltlill33tl NV dO 3NOltllidtl0 A9 0331Ntltltlfl~J FJO'3O SNOIltl~Jll9O Fl3HlO aO 'SlISOd30 lON 3kitl SlO(lOOdd 3ONtlFJnSNI 'e~ey u,xoys eolnies ~o lonpo~d ~(Ued-pnyl hue eelueien6 ~o 'es~opue 'eplno~d lou seop eup leAdeO ~eles ~o; penadde lou aye se~nlea; lonpo~d ao salallod ayl yoly~n u! uoilolpsunl /pue u! uogeliopos ~o iego ue lou s! slyl tsalels pe u! algeltene eye sa~nlee; lonpo~d pue salogod eouemsw pe loN ~eouemsui ~o; Aglenb ppe slueogdde pe lou pue ueuunvapun ~(penpinlpul eye slueopddy ~seluedwoo soue~nsul 6ulledplped pelelllge -uou ,(q paplnoad we slonpad eouemsui 'slonpad aoueinsul elgellene fiulp~e6ea uogew~o;w Ile seplnad pue daue6e eoueansul pesueoll a s! tlIOO eup legde0 to aleplge ue '(„y1OO„) ,(oue6y eoue~nsul eup lellde0 Fq no% of lyfinaq eae eoue~nsul olny sup lei!deO pue seowaS aoue~nsul auO lelldep .~ '(„eup Iellde0„ ',(lenlpelpo) uopeiod~oO le!oueuld eup lelldep pue 'g•S•3 'eup lel!dep '~ueg eup lel!deO;o ele!ly;e ue '(,pl6o~sul,J uale~odiop ol6o~sul;o slue6e pesueoll eyl ~(q peoeld 'gOOZ/;y; I of b00Z/E2 woi; 'wei6ad ~ellwls a y6nayl soue~nsul ;o s~eseyo~nd ,(q peplnad uoilew~olul wnlwe~d aoueinsul uo peseq eye slunowe s6ulneS „ 'ada(amua paro(aua ay! ur (rmu pun quag au/~ (vl?dr~ o! `'19i''tOd apn~ a'P'o Aauovs la raaya ~rzo~Cuo vqusnu 1uumav vro~Cal:un ama d Illnuilluil~lnl'uil~lu~llmllilrlmllnu~~~n~~~~n~l . $ I~1ulu~~~~~uni~~~~~ullrlmu~~~~~~~~au~~~uullun~~r~ 9600-590LT cid SONI2Id5 T.'I'IOH ,LNROW e 9TZ0-6LT£9 OW 'stnoZ '~S J 96 XOH Od ~ ^' ~~~~~~r~~~~~~~~~~~~~~~ 9TZ06L XaH 'O'd A2iK3M 0 NI,LSf1C ~ >[ueg aup Teatde0 ?I3HWRN QI 'IIKW #THbb9005L98 bZ£06# aaoyd atxurarry anoyd awoT{ d1Z n"+S .G~~ __ ~ ~dy iaanS ?'~'3' 14JO 198v.m ~aq.a8uuy~(,muy qua ua.pP 8uymr, luudam'Id 9Z9T-TOL9.4Z9£-Z98b squmHluno»y s pasopua boy SOOZ `bt IagLUaJaQ alEQ anQ ]UdUL~Ed 00 £6S anQ ronourtl utnunurb~ 6Z'SZI £S a~veleg .KaH Z00£600006L006Z8Z6£ 6L 9Z9llOL9hZ9£Z98h 0 0000000 • .LNHNIAtld H.LIM M07HH NOI.L2IOd N11f1L3713Stl37d • 9659' T T pound scyl palldde ~y~ 3~ Vy1~I~OflHd'IVf]AIM+ 89'Z! %5/'tt d96Z6T£0' OZ'TLZf STI33SNVTII'M03dS 00't %55'ZZ d96SLI90' 00't HSb'O 06'9Zf %S9'TI d%Z6T£0' £8'STL'Zf _ S3SVHO2Ifld ~~i~t~~ ~` ~Prr~ 8 :P 0 rp : d ,~ N ~8 uo:tnariofu? tunt~odv.: tofap?r arvna~ aar ama(d sa&ey~ aauetrt,3 80'9 6'd ~7SI7~Ib'O bLSZ#,I,gb'L~i'IdM AOt18t SZ '£'L Hd 02IdS A770H yIH 6Z£Z000o Z.L33HS Z£ZO AON Lt bZ L6'£b b'd 37SI721b'O SSTO# S7HOR AON 9I £Z 8£'b 6'd 3'ISI7~Id0 LOa 080Z# ONI)I ggOgng AON it ZZ 98'SZ Vd 37SI'RIb'O bLSZ#,I,~IVyTI-7VM AON ti IZ I8'S dd 37SI'RIb'O 9t8Td S,Q'ItlN000Y~i AOAI of oZ ZL'OS d'd~'I$I7~IV~~I~,I,[~I~~ZI~dn$I~IM AOI~I OT 6t $HZO-OLi68 ,1,(1 `J'IS 9TZ0-6LI£90Nf `$1Tp-I '1S LL'£ b'd 02IRHS 1.L.LHO b£~ Hdd 0 Nb'3ff Q~ItlH AON 80 SI sszo£ x°a'o'd 9TZ06L SO$'O'd 69'6 b'dRIdS.L770HyNI~Intl.LS32I3S3NIHOIddIb',L AON80 LI "'O~"d`0 ~"'E'6O1s+!de0 Sb'S Vd 02IdS x770H ,LT~I 6Z£Z0000 Z.L'3~HS Z£ZOZO AO~I 80 9t $°`~iO°'di°"""1Oi~ t°"d~ ZT'bZ Vd 02IdS A770H yITI 6Z£Z0000 Z,L33HS Z£ZO AO[~I 90 Si ~°~ pvmbur P~8 _ol ~~~~ PwS Sb'9Z d'd oangsuL~~ ss~7~IIM 77tl nota so bt r~r~ nnp~ 6£'9I F'd ~7SI72Ib'O bLSZ#,LNVL~i'IVM AON £0 £t p>m wTo3s ro isotauodar or mOL0~~776-wo j 8b'OI b'd 2I~AONVH 2I3,LI~l'302I7dnS NIM AON £0 ZI ~~ 1 £L'I£ Vd37SI7Kb'04LSZ#y~ItlNI-TdM ,LOO t£ TT aatuasmo ltT bi'L Vd 7'ISI7Nd0 ZtZOT3 S,Q7b'N000YTI ,LOO LZ of ES'Sb b'd'37SI'RIb'ObLSZ#,L~IVy~I-'IdM .L009Z 6 IL'IL8S gseO.~o;llpazOalgeTCrny LS'IT dd37$I"RIVOYLSZ#,L2Iyy~I~IyM ,LOObZ 8 000`bS gseOlo;au~7lrpaz0 iL'Zb b'd 37SI7NV0 bLSZ#,L2Ib'Ai-7dM ,LOO bZ L IL'IL83 l?pat0 algslnny Ieloy 8Z'S8 Vd 37SI721b'O L880 yd3Q 30HS HH.L .LOO TZ 9 ~~~ auc71cpai0 ploy <9'E£ ~'d O~InfiSOLKtlHOdL1i ZS~ £6L9# S,dfiNV .LOO TZ S SOOZ `6I raquraoaQ atrq anQ luautfed b'd 02IdS 1770H .LYE 6Z£Z0000 Z.L'3dHS Z£ZO ,LOO TZ b 00•£65 anQ ronourd- umunucy~ ~~BT b'd d7SI72IVO I~I07b'S',LOdiIIQ ONIOAIb'HO .L006i £ 6Z'SZI`£S aausleg swN £S'ZtY b'd'37SI721tl02I3,LN~02I3df1SIVA1 ,L006I Z suo~lausuely 8S'6ZS sadxeg0 raueui3 ss'orss suocraesuciy -00'6LS 00'6LS sluaunsnfpd~ pue supai0 `sluatu,Csd .LN3IVAb'd HOb' ~NI7N0 3N0 "Ib',LIdb'O AOAI 8I I £8'9£9`ZS aausleg snolnaxd sluaunsgPd P~ silpaa~'slua sd g lunoaad b !o t abed 9Z9I-IOL9-bZ9£-Z98b SOOZ `6T AON - OZ y00 ,LNROOOb' USIA IKnNI.Lb" Id ~fjs,~~ ~(}!I!Qe!l eUaagwfl • /alb' • ~eo8 .na . ap~(~ao}oW . auaoH . o;ny i~se ;sae~~op ~o spaapuny ~f~gissod panes nog( dray ao 3 daa~S~ -a~ue.+nsu~ uo heap poofa a fiui~~a6 aae nog( ~i ~tauow a^p5~ nog( ~~a~ ue~ s;aadxa anp ~p~+MP~uo ~a~ , ~WSdn~~ay~ a~u~ansu~ dn~~a4~ a~ue1nsu~ aup ~e~ide, 33b~ ano/C }a~ 96L969 ezu a noA 'te suwt 'utav ,etpo ,o µwp ,aded a hlaeyo ayl &nen UllDaae yueq ,roA tsuleee aB,ew v strew of sn ~ ueq ,noA u,a lp p ,~ea a!uoztae awls-e io e~ e~iv oQn azo uena epAa Bupl!q &It 8uurp panlaaai syaaya ye of sagdda uonezuoUtna sWl ~~II°~p a41 to Iurowe eyt ,oj vnoaae M >f oywe noA '(sl oeyo a en puss noA ueµM 'UtautAed lnoa Bla1BdDJd ualya •aw 'sdlp ,aded 'sepals asn too ap sassy •sAeMppoy~ I~~ to ~,nla~~nwyl Asp LLW at I ~~ Il~u ayt'(ld u~oou~paat ~ ~~ ~1)o se pelpa,a eq too Aew uuo) ,eylo Aue w ,o uooeaol ,aylo Aue to sn Aq panlsae, aluaud,ed t sP 0°q (51 an rasa v Mo a ass Z l) 13 'w'd 6 Aq ,auras 13utssaaad ,nb ul panlaaw s wau,Aed ,noA ' gaew ,noA ! fZ) pus adolanua aaueulwa, pasopua ayl u1 pus luautalele spl to uo!vod uauoq ayt Puss no/. (l) peplnwd 1! anleoal eM Asp saeulsnq ayl to se 1llaone zroA o1 petpat0 aq II!m sn of Ilew noA stuawAed :sopaN 1up,odltll ~b9lDll0 B1lds~Z a 'pBA,Oaal aP$u lIy 'UO11wod10'J lal I O to >f,ew aowas petevlBel Aljwepey a al 'WDD'aWpi1. 4a'MMM ,no ass :uoltaaw,d Aaenud uogsuuoyul svoddre i stunwae ryas l:Pan-uou saaumrq OJ Aldde !w aeop i stunoaaa area N~ }uau zaumsuo0 of An/de zoo sang j 'aauapuodsa„OO lpz uBls of ,agwawa~ assay (~asayalntl jo uouPaol to lurowe yo ssap,vBw pwanoa we sasap,M pe 'saawas Jo huDdoJd ayl toj lwwasluanpe oyt noA payow am ;l to 'tuew,aw ayl alwado ,o umo am VII 'sswppe Bu!Bew ,noA yo sallw OOl ulyum to Mots awoy ,noA ul ape~w seM aseywnd ay1 pus 00'056 eyI wow svM aapd Rp,nd ayl UayV. Apo UapaalaM apt array noA 'saayvas to Avadwd ayt uo anp tuwwe Buvlewa, ayt Aed of loo tip ayl array Aaw noA 'lueyo,aw oyt 4tµ+ uppwd ayl taavoa oI 4tle; poo8 W paps array noA pu@ p,ea tpa,a a yt}m P°°aP,nd noA leyt saayuas Jo Auadwd yo Aµl@nl, ayt ytyt+ uupottl a array raA yl saseywnd wep tpw0 ,oi aptl ppedS .~'t 'uopsaro raA wrwwe ay, ,aalpa a uolwe ADa a~el ,D tuaiwyap as noA coda, tower am 'uopeanb trot ale8ltsanul aM aIFW. 'uopsaM ul too we leyt Iqq uaA yo sued ayt Aed of pat@BBw Ilne we Aue A(e mot lan0uµ~tsanul we am aplpn uoluanb ul lvawe ey op noA 'tnoge wnsun wa noA waµ ay1 jo wpdpasap a 'uo leDlloyul wow paau noA yl ,o 'zw,a ue st a,ayl analpq noA ~yv, yo 'aplssod;! 'wneuepka us pus ,our ayt yo uo!lduasap a ',a,a petaadctis ayt to wnowe talpp ayl 'Jagwro tuwaae pus swat ,raA :wyauuoyul Buwwlp{ ay1 sn anlB ',ever naA ul 'sty0u ,noA anwwM wu lllm oe Oulop tnq ',aqutnu ituopeptl ,awolsn0 tro pw uea noA 'pweadde walgwd to ,ova ayl w!m uo Bp lwy ayt roA tugs am taµe sAep OB ueyt ,star ou noA ua,y ,say 1611W aM '1valUalet6 alp y0 fool} ayl UD UMOys BapMn toy swtppe ayt la aplswtl se uoos se taaye alwwlas e uo sn of arum 'pp ,o uouaesuwt a w uopewroyul ow Paau noA yl ,o 'Buwm s! IIIq ,ttoA yupl roA ll w (1110 ,roA tnoq./ suoPsanp ,p wat3 j0 0s@O ulY AtlbWWnS S1HDItl DNIlll9 'uolnl!la,! leoueuy ,taA way >laeq yaaw ,naA antaaw lw llpl noA pub 'luauUed tpA anpaa aM Asp BWes ayt 6e laD6 6B lvaaaB lueq ,noA uay umompytlm aq Aew quy ',syaten pvy apalaap U@ ayeW Ol 3laaP JtaA U,OJy UDUawOlUl asn am uayM 'uayaesuen >faap a se luauNad ayt swamd of ,o wraxe llueq nM utaj ,0ysual PtOU auawap awU-auo o a>few o, >laaw noA upy tunewia}ul asn of ,aytp sn azuoylne raA 'wawAed se llaaya a aplnad raA tnlM 'uaasnu47 NOnq 9u0p000 Ft091/ 09141 'S BulpweB lawn Aue aaPaeal@n aq tower tunoxe ,0 4 ~' ualaatlux ul peen wee tnoA'lunoooy n0A B4sf1 'L 'anogo Pa,yap sa lfU u! P ed ueaq say eauepp ltaaaae ayl Inut 'mel Aq lx,lvuuar< luaixa ay, oz 'pafitap aq w anunuoa npn say ay, 'n03o.-ne ,noA J9 °°j tlltyegwaw e sl aayt jl '1WtuA@d w; appUOdsa, aq lym noA 'lvaaao ,noA of Pue 'POUadoa aq yw, ~ ,noA ~aP aW )o ,vows ap ,raA Joµe iuap,aw ayl ua,~P ~9 say ,1110aaD am pus wmp,aw a oat as j 1Olwesue, ayl anpaw ; ap,ro a pazuwpne noA yl 'oldwtxa Joj 'pawp uxq Apx,le sw 11 a ltraaa@ ,noA an@y noA ,aµe turaaae noA uo euueadtla saB,eya of tpea, Aaw spl ~tunoaae ay1 aeop o1 tsarta, Jro1 1 tuanbasgns paJtnaul ae Aayt ,o turaaae ayt aso a of tsanbat noA aw!t ayl to tunoaae ,noA uo ,eadde Aayl ,aytaym slurowe asayt ,oy aplsuodea, ae noA 'luroaae moA of passasse sway layw Aue puv caaj aauanpa yseo 'saaj wawAetl pawnlat 'easy uw!pano 'easy anp >sad 'saB1011° aouauy 'pazuoytne ane4 noA suo!wesuoml Aue ;Bulpnlaul sn amo rwA nunowv lle Aed txrA lpun Po6oP aq loo llvn lutaaa@ ,noA 'Ap@uo!1!PPtl 'tunoaa9 ,noA uatloat of uoyezuoylne ,noA aB,eyo a yo ldlaoa, ,apaoo llvn am •nuawaBuaJ,e Buplp pazuaytnvwd paueo loo op noA 11 'turwaae rtaA dul6n asses pue ' Wlep pazpoynead Ira pause 'nlaaya ssaaa@ tvaaa@ Iwea ypa,a JfaA Awvap tan jnoA 'luawuala0 swpalatl ,auatsn0 ,no Bulll Aq wrooae ,noA aeop of tsarbai uea noA •lttnoooy tteA esq~ n0A ll '9 'POpad Aep-AVpt ayl w pus ayl of ,opd (raj dlys,agwaw ayt Bupnpxal IMy ul ,eauele0 msN, moh Aed pus tuawu@dap suop@latl ,awotsrr~ ,no Boyles Aq sn A;you tsnw noA 'tutaaae ,nod pause o1 'say dpomagwaw ayl Aed OI 6uNBy nOVIIM llawaa@ 1nOA asn of afp!lUDa Aaw noA 'pound spl BuunO 'wnoaae ,noA pause noA yl raA of palpaia aej yanc an@y of ,o say ayl Roofed pane w noA of papaw sem wauplev sp1 step ayl uaµ sAep OC an@y noA 'luawelels spl yD 1u0µ ay1 w eleatlde say tlpuagwaw a jl '71atooo wnoA ;9 ,o somasa1 t assess al lyBp no &tNje'na lel atA of Iluolteaypou ,oud tnoytw. easy Aue seacse o11 ~o~anlemA 01 tyBu ayl an,aew am luauaatBa ,aualsna ,noA jo suual ayt iapun 'pound Bullllq Aua Buprq ,roao leyl way paisfl seal ayl j0 OMl Ueyl wOW OU peewees aQ llFm 1111oaaB 1faA •00oi 7uauA0d P0Uag0e Pus llugl0n0 'q0'I io 7tl '9 pound Oulllp ,noA jo Asp vzy ayt uo an, yw°w wee aeueya assyl 'noA of pewpep AISnDNwt tl u+8,ew felt snp %amno!'taa,15 !!ery} ayl ul punoy se 'wapul paters ayl uo paseq asewaap ,o asea,aul Aew ppuus Apwow Nan A@w ~ ~ ~ (N aOFDOd lV(YS1V Buyxtodswtoo pus sale, o ) popad ayt w ixau tuawalats ,noA yo roomy ayi uo ome a (ApluolV paouday tlO5f1 'ow'EI D Jo (tlOHll 'out-L) i 'lawud) O epos a41 )I 'a 'taWwO pu0 Ap[•'IPdV 'A,elBief syluow ayt ul Bupua lUewalets apouad ,roA Aq pwanoo popad Bulllp noA to A@p wy ayl uo anlway/a aq y{„ a mp aeayl ~raA of paeopsp Apalna,d ubzaw ayl cnp yaunror taazzS !!aM a41 u! pva; sa 'expo! paters ayt uo Pasaq aseawep ,o aseataul Aew pus ApaueM Nen Aew S31W 30V1N30H3d IVnNNtl Bupuodwux pus w1om apouatl ayt '(slalom apouad ayl of ixau t,laUalets apt ;o tuwj ayt x omeadtle (awud wea,luep) S zo '(1tsOdaQ jo eleay!vapl 0 'ltlOBll 'ow-E) l 'fawud) d apoo ayl ll '9 'wawalev aryl jo tuoµ ayl w ,tldy, se ,eatlde Aaw stay aBeluaaad le^UW. twat ayl 'e ~tuaubae '11WVI~~O~~ae P00+°V '£ ayt w san8 s wee yo aaueleq Alpp pl 'Pound BUIIBq ayt ul sAap yo ,agwnu level ayt A9 apNP pue popad BWllp a4< t9 wautBac wva JD/ saaueleq All@p ayt Ile do PDV am 'uay1~~ tuawBas wee jo a0ueleq AI!ep ayt sn same sNl 1"vta~iuBae ww yo aauelaq ayl u! papnpul a&ap aa,@uq pladul Aue wwtgns osla am ,'ol pallddy slay aauepg, 01 ixau lwwatetS 6pl yo tw,y ayt uo omeadde N apx ayt 411 'clpaJa to NslwwAed Aua wwtgls pus 'luoutBOS ww of suolwewwt .au Aue ppv 'Asp yaDa tuau,Bae yeas jo eau@leq Buaulaoq oyt ayel om 'tuaualats sy1 Aq pwanoa pound eulpp ayt ,ol aauepp AI!vP oBwane oyt ulelgo of rot}, apouad ayl nppnw aM ,bl Palldd'd wetl aauepg, w ixau wawalals spl to tuoµ ayl uo omeatNe N ,oZ epos ayl jl '9 o wrowe paseasse Agenw@ a81ap aaueuy aq Aew a pus uopelnalea aryl uaamwq aauepan tlPlls Bu!Np ayl ul sA~ep jo ,agAi,iteiDayt M Pue alomOapouad ApeP ayt Aq aaueleq Apep aeaana ,noA AIdPI,w 'aB,aty:, aouauy lewt JtaA a1e-wlea of 'apAO BUpp luauro ayt w sAep ayl jo ,aqutnu ayt A9 urns °tP Buplnp pus ,ayla0oi swual@q AB6P ayl Ile Buppe Aq aaueup Ayep a0omane ayt wa~wlea aM 'saauepq Allel, atp w pappe tau ae wuauBae aeapJM Mau pads ,O aeapvxl ,raA w 160d w!N+ sw~ @aten 'pvawe lpw B JO wag WM eaueleq M ,raA jt ,o) ley ul luawalc,s srolnad nM uo umaye ague atP Pled twA yl ',anamoH 'ltlla0ae JnOA y0 luauBa6 waonn9J aauepq AlIOP wwafas ayl sn sanl8 6µ1 'wau8es 1aP of pateooye we letjl Asp ltxP jo se palsod slpaa ,o ewawAad Aue wwlgrc uap aM 'iual~es lap Jol oanlIeq sAep sn9nwd ayl Vo pale/alw aBvtp aaueuy apouad Aue We Qto!lae6Uwl mau Aue ppe pus luau8as wee ,oj sous BunxaB:,q ayl aHel aM 'fusses JrwA yo wauOes 4aea 4 eaueleq Ayep ay1 lab Ol 'llMaaB noA ,oy eB,elp aareuy apouatl pnol ayl le anp,a of 1lauD06 tpea uay wPcw atp do ppa aM 'waubes wee ,oy aBJap aaueuy apopad ,nor to anwe al suopelral~ Allep asap to slpsw ap ~ PP0 am 'P9ad daLLp etP yo Poe ayt le uayl 'tuauBae yeas yo aa,epq al!0P ayt w ttnoaae ,noA N lu6uBas yeas , atom apopad ALLep atp Aldde am 'pound BUIBp atP BuptP hsP w~ W Pua ay, ly 'raA of PasopsP Alugnad (asaP,nd l~ )atom apouad AIpP Bupttodsa„oa ayl Aq pus ',aysuwl lapads 'asaland 'awanpe yeas "B'a) wttwae ,noA yo wauBae wa, jo aaueleq Allep ayl BuNpPltw Aqy palalrolw s! aB,eyo a0uauy 'e -ls0stltpry m0N ~!PtMeul) 00us1e9 Apo tVlezOny 'Z wn6 Aue 1°i saB,ap aauau you Bu!Hp ayt anwsai aryl vBwtp .~ttIltaes~ytl,~~~o Aua assess ,ou of upu 'wtaaae a,ol o luaUBas4 tt0!1olPtl Muo8u01 'P.~ j asap,rt0 aR Ol pallp aq II!m aa,waHp ayl pue tunwuut 05'06 °1P woJ1 tvawe ,noA yo wtgns I~ an '05'06 UaP seal sl (6)alw ayopad eyl woo ppcw ap aaueuy lnw °sp 11 'Pasodw! a9 Illm 05'06 yo 3DtlMi0 3JIJtMtl 10303 tJnuiplw a 'aB,ew eauaty o w taa(pts s~n+aaae ,noA ,alt pound Bulllp was rod •0 4i °00ttF1Y1 'a~ 'llaaaay moA jo wau6as apea!!dde ayt of pappa we saBJtnp aaueuy PRdun 'Vtww sralna,d ayl ,ol oe oP loo Pp lnq 'asap Bulwp luautaww ixau aW Aq weuJatew JIaA jo tUaj ayl w pelxpv aauapg mepl wllue aW Aed noA jl uana '6aBJap aaumy amo pPe Aew noA tOtP suww aryl 'IPU u! pled s! aaueltp P!edln ayl lute aauapq pain ,noA Ol aruaae w anUqux saB,ew aauat9 'IIU u! pound BuBlp sratnwd ayt uay aauepg mall. ayl Aed loo pp noA ;l 'AnOwIIpPV 'Pound dit!Ilp luavro ayt ya Aep ,epualau lomy ayl upy (E ,o nsaaaV waA of passaaad sl w!wawn,t ayl step ayt uaµ (Z ,o uDPaesuen ayl yo slap ayt utoy (t aB,ap awauy passasse we popad xw8 a o, laa(gc tom ae wlyv, a,olweatwl roBa<tq notvyi BuAtootl 'q aN. letw ayl Aed la eltp poPad xomB a s w l ' ~ t3oA yl wlla@BUW t Aue w saauOnPe Vsaa w ay uoppp@ ul 'omaya,wl Ispads pus pound aawB x s! wayl 'wap BuPap lualwwls ixau JIgA Aq patpwa aq of v ,ol auw ul pus 'mopq wxutAed ,oj x1141 luevodwl aW N!m aatiewoaae Ut '?°°01s8 msN. lewt ,rpA Aed noA yl saBJap ,spa m<xi pus saeaplnd le!aads Mau 'wa}suoml a0ualal mau 'sasapJra mau w aBJeya aaueuy ,n°411m sAep 5Z yo pound xetB wnwulw a array il!m roA 'P9~d 000.q 'a ~. •06wy0 0ausui tl P!onV 01 mq{ ~ l Ip/'NJew eaWBS pwals8w Ape,epey a sl eu 'Pantesw s14Bp O IendeO roof 'seaWeS su0 le4da0 SOOZ d 'xwes,o wnpotd eup lBUdaJ Aue ,oj AInplBye noA w ways w array Hint lue8e,o ,wnslp ue yo eapUa,noA puB txpomneU eeelpJtxl of uolslaep,noA'3N0 N11dV0 NO AON3DV S31V15 p311Nn ANtl'OIOi 3H1 A9 03tlnSNi lON 3l1V A3Hl !3N0 1V11dV0 i0 31Vllliitl NV !i0 3N0 1V11dV0 A9 0331NV WfID kl0'i0 SNOI1tlDIlBO kf3H10 kf0'SlISOd3O lON 3HV SlOflOOtld 30NVl1fISNl as es Jo 'way unsays W 1anpwtl AUBd.wl41 Aua ealueJene ,o ewopua •eplnad loo swop sup lejMep 'ales t°! penwtlde loo we semleel wnpwtl ,o saPlpd eyl 4aNv UI ugwlPsun) Rue ul uopelPlps 10 ,eyo ue loo SI slW lBls pe UI apel!ene we eeJnteay lanpad pus seplpd eauernsw pe loN 'eauwexul Jol NIpNb IIN+ aluealpde ryB loo PuB uevluzuepun NIBnPW WI wB sluBDpddy'sBlueduaD aauwnsul BuPedlap,ed pelBll!yB -wu Aq peDUtwd ome swnpw eauelnsul 'slatg,oJd eauwnsul epBllene 6uIPrBOe, uopeuuowl IR seplno,d pue Aautt6e eauwllsul pBaueoll a sI y1Op ~eu~ pryEep {o e]epylB ue'(,VI00..) 'taueBV eouwnsul eu0 IepdeO Aq noA a 146nwV sl dn>taeVp eauunsul eu0 let!de01 tnoA'esnx eu 'AJen Aau s6ulnas 0up Rlldaj0~(. O PNIdee~O,., •/yenpaepx) uopwad,o0 plouetHi sup Ieydap pue'.8.ggi Be O 101!~O W slellipe ue yalBolsul opeJOd,oO °!B°lsul W slueBe pesuaoll eyl Aq pesald 'SOOZNE/90 07 SOOZ/l0/lo wo,l'ure~,d,elwle B y8no,y{ aaue,nsw yo smsaP, Aq peplnad uopeuuopl wmwwd aauB,nsw uo oBS@D Bm ewmu,B say ~~„M. •an~asap nog( puiua;o mead ay; ~(ofua ••• ~tauow apes ••• paau nog(;eynn ~(~uo;a6 ••• •~~~ nog( uaynn e~q~~i~n~ sai~i~od ~uaun~ anon( aneH 'E4 4£ lL9EL8 :apo~ uoi~ouao~d uoi~uaW woo•aup~el!de~J(W)a~•nnMN,:aui)uo paue~s lad 9905"F+66 1~08~ ~~~~~ avow ao .~OObS o; do arras p~no~ noA •paau op not;eynn ~o~ ! aye no~S;i ao -y~nua oo} array not;i ass o; a6e~ano~ ~no~( a}en~ena ue~ s}aadxa anp ~~ ~ ISO O 8 ~ad lama paropua ayJ uz /zmu pua ruvff au0 ta~z~o0 °1 a14vrC°dapvv<vp~o ,Cau°us ~o ~•aaga.enof u° vgasnu ruoroam az°rCajsun am ld 9600-590LT Kd SONI2Id5 A'I'IOH SNf10W J 96 XOH Od A2Ri3M O NIS.SQP 2IHHWf1N QI 'IIKW #i8449005L984Z£06# avoyd »auza~~r auoyd awol{ dIZ nng Rii~ N '+db~ ~aasrg ~m}~nzgao anrg8zun.rzoraq s,8uoq,l~cua-a ~rsaaPP°8ngwzu tuudam%d Z00£600006L006Z8ZL£ 6L 9Z961OL9ht9£Z98h 0 0000000 • .LNHYVAtld H,LIM MO"I39 NOI.LNOd Nbf1.L3N 3Stl31d • v rn N 3 SSZO-OET68 ,1,f1 `O'IS 9TZ0-6LTE90l^I `s!^o'I ~S 5820E xoH'O'd 9TZ06L mg'O'd auO Ieude0 dueg aup pnzds0 burssawxd xusunuai1 :miy 'ol sanmbur P°aS =ot sluaw.Cvd P"aS •xoxepup;o/uroo•auopn?deo•.wxa~ t?scn `rtuauuSed tuaza~?p $un~ew;o toedun ayt axotdxa oy •a~q?ssod xanauaya wnunu?w ayt veyT axow ~Sed nozf ~ zauoos aouepzq mo.(.Cedax pue lsaxaTUC ssai ,(ed p,nof 'xananol j •nof xo; arroyo tsaq ayt aq.(ew tuaw.(ed wnunmw ayt.Ctuo 8u?r~ew Tzyt pueuxapun aM ~.LNIH,LN3Y~ lFd'If13d'IdH 'gOpZ .(xwme f ui sxapxo 8ucssaaoxd ur$aq ~Pzn aM •xunooae shpt xo; .(doo mo.( anxasax oT `c00Z `T £ xagwaoaQ axo;aq L844-46L-CLS-T [lam ~aH •xea.( xepuapa ayt 8u?mp suonoesuen apew aney nob pue $mpuets poo8 uc s, xunoooe mo~C papcnoxd §aSxeyo SOOZ mo.(sdeoax leyx mnoooe x;?Dads scyt xo; ,SxawwnS pud-zeal aa.y a an?aoax w aiq~8?~a axe not `zawoxsno aup p;nde0 pan~en e sd• b 1o Z aid SOOZ'6t AON - OZ y00 9TZ0-6Li£9 OW 'sznoZ ~~S 9iZ06L XOH '0'd xueg aup Ze~tde0 9Z9T-TOL9-hZ9£-Z986 :xagwnK Tuno»y $ pasopua ploy SOOZ `6I xagw»aQ ateQ anQ tuaw.(ed 00'£65 anQ wnowy wnunu~Y4 6Z'8ZI £S aouep:g,wN OGOL-SS6-008-i yxw wfois xo uoT a uodu ox xo s¢onela~ nwoxm0 ~, oy a~cnxas mo ,y TL'ICSS yse0 xo; upax0 a?gepeny 000`4$ yse0 xo; au?7 npax0 IL'ILBS t?pax0 a?gelmny pnoy 000`4$ au?7 x?pax0 ppoy 5002 `6I xaquraoaQ aTeQ anQ waw.Ced 00'£6$ anQ tunoury umurwcyy 6Z•SZT'£S aauep;g rawly 8S•6Z$ sa8xey0 aoveu?3 88'04$$ suouoesuexy 00'6GY stuaunsnfpd• pue ncpax0 `etuaw,(ed £8'9£9`ZS aouep;q sno?naxd 9Z9T-TOL9-bZ9£-2984 .LNR000b' b'SL1 YTIfINI.Lb"Id g xunoyad •V~~ you-aee •;ipa~~ anol( ono xew a,uop •~a~ si uoiieaapow al lOb1N0~ •awi~ uo spiq anon( ~(ed pue ~iwil iipaa~ aye aapun a~ueleq snort 8uidaa~ ~(q ~ipa~~ poo8 uie;uieW al HJ1VM •awi; uo ~uno~~e ano/t ~(ed pue ~(I~eln~aa sasey~md a~eW •;ipaa~ ~o asn asiM a;ea~suowaa al 3Sf1 •~aoda~ aipan anoA uo sa~e~siw a~aa~o~ of saapinoad p~e~ ~ipaa~ pue snea~nq;ipaa~ aye Sae;uo0 :11 XIS •h;inia~e ~ualnpneai ao s~oaaa ao~ >I~ay~ o~ ~ea/~ a a~uo aseal ~e;aodaa lipaa~ anon nnainaa :11 XJ3HJ •a~paa~ poo6.rno~i u~nauinw o~ sda;s 6u~MO~lo~ aya axn; i(auow pun au~r; .rno~(~o sow ay.~ a~nua of •sa~unu~~~no~f 6u~6nunua u~ un~ aM d1ay aya l~n nog( an16 0~ sluoM ®aup ~n;~dn~ °~'a"g^"'~ ~a~ spunH ano,~ u/ s/ aan./n,~ .//park ano,~ ®~!0/ ~_ ~ 'wolf iayw io uwp laded a '>foayo ayl Bu!sn wroooe ~ueq inoA 1sWe8e a8ieyo a e>tew of sn azuoy!na noA 'lalsuell eyl aeoooid Ioweo a,H (~ •es!a auoouas Aq was y uane epAO 6ugl!q e41 6uunp penieoai eyoayo pe o1 seipde uouezuoy7ne sNl ~~W ayl ;o wrowe e i luwooe :jueq moA u~ayy tPgaP Sals~usi ~ Aepuo,y a e 9A~ sseusw of sn ozuoytns noA '(sjNOayo a sn puas noA uayM ~weulled moA Buuedald ueiy~n •ota ' ip laded 'sopals esn 7~oi! op eseakj •sAeppoy pupnpKa 'Aa mle ep re!p mp •uknyl anieoai ann AsP ayi to se peigaio ,Uangap ~eu:od ~o sA aq 1ou Aew uuol ieylo Aue w io uo¢soo! ieylo Aue ie sn Aq penpoea sluauNed ( ep ssauacnq (yj any u:ea~ to Mope aseald '(ld uoou Z l) 13 'w~d E Aq aaUab'i Buresaooad ano u~ panpoai s~ IuawAed iraA (Zj pus ado~anua a~uau!waa pasopua ~ Hoayo moA Due wauretals s!y1 (o uoiUOd unuoq ayi pose noA (() papvmd 1i as~aoei onn hap ssau!snq aU1 to se wnoooe moA o! pel9aao aq Ilun sn of I!ew noA swouaAed :sopary !uq o8uj ~~ rn~ N O Q •paniasa s~y8p py •pew anmas pawrn8ai A!~uapa, a s aup !eyde~'sul 'sao~,ua5 au0lel~tle7 aooz ~(8io•uo!pe-iawnsuo~~m~,wj uoq~y iawnsuo~ y~~ww uoiUUnlua~ ui'aup!q~de~ Aq papNad ale LPaio poae moA u~ewlew o! sda~s ayl ,„~;a~~eM anoif ui s,;eyM ®~~p~~~.a~, s;uno»y;uawaal;aa ~enpinlpu~ ~ ;isodad }o sa;eai}i}~a~ ~ sad s;a~6aa oN ~ s;unoa>br }a~~ey~ Aauoy~ ~ s;uno»y s6uine5 p~alA y61H -S~(/ '8'S~ `aup lellde~ /~(dE~,~ ~ueg aup leude~ aio~ a38w3w 13 -w-d Op:Z of •w•e Op:g Xepan;eS • 13 -w'd 008 03 'w-e Op:g iSepud y6nay; /~epuoW s uines uao~•auo~e~i e~•nnnnnn ~e gann aye. uo sn ~.isin ap (~„ LZ8 L-8 Lti-998- L I I~~ ~ `~ i~saaa}ui (~eaa6) y~.inn ••• ~~~q not ~(ed ~~inn ~(auoua anon •~uno~~y ~a~aeW ~(auow aup le~ide~ p uado off. ~tauoua anon( o~ ~i anno no,~ Judd %5L'E 0991OZ •s uin s u lei •nnnnnn ~e gann ay; uo sn ~is~n ap 'LZ8~-81ti-998-~ aaa~ II°~ II~~ •~(enne ~y6ia ~saaa~ui a~oua 6uiuaea ~e~s pue }uno»y ~a~aew ~(auow aup le~ide~ a uadp i~(epoz iunoaad ~a~iey~j .jauoy~j aup ~rde~ E ~uruado .(q ,iauow mo.C io3 asow a[I1 zap pue airy aeai~ mo3o a~eauenpe a3je1, •aavemsur ~IQ3 }o .Ciranoas atll aner~ Il,no~( °slanpo~d s~uines mo Ilz rIl[m se °asneoa9-spzreti pooh uT sr ~(auow mo~f pamsse ~SaI uea no.C 'pub sj~11,d io s~oarlo cj~norrp .Cauow mo~f of ssaooE iuaruanuoo ~Lofua lI no.C'snld •saa~ aauEUaiurEw so 9uruado 1uno;»E ou a~E a.tay~ pue Opj~ sr zunoaoe ue uado of paau no~f 1[H ~isea pue ~arnb s3 ~{auow mob .ro3 asow ~un~a9 °asnuord ,„ajssej~ ojj aun Ieirde7 arp r{il~ ssa~ ~uTrjkCut' ~o~ alllas ;,uoQ y-(,tdy) Plal.C ale;uaa~ad Iznuud %SL-£ e Lo(ua puE ~uno~y ia~~ey~j .jauoy~j aup Ir~rde~ a oauT s~urnes pauJra-pretl mo~f and •s3ulnes mop( uo s~uru.nra a~eranE-uErp-.ra;laq avasap no~i }N191 am 'iawoxsna aun ~rude7 pan)En e air nog( asneaa~ `J~2Ib'~M J f~II.LSflf b J° E aid sWlt/ ao s~~ay~ y}inn ssa»e ~(se3 . saa} a~ueua~wew Juno»e ao 6uiuado oN . ~~~$ se al}}II Se II~IM ~UnO»e Ue UadO Adt/ %5L•E ~C~nn a~sseH oN aye aaoua uae3 ~sanpua asayl 43!m uoge!Ig;e ou sey aup lei!de~ ~paruasa3 sly6u IIy Yggua an!Uatlsa~ yea 6q paumo we s„rew a~!nrx aup lelide}uou anoge aq1 ~a~ueleq Juno»e opo•St awnsse sy~y ~s,~y luno»y 3asl~eW •fauoyl ~~oti maN 6u!sn Sti/0l/ol;o se wm'elwy~eM'mmm Pue wo~~e~uawe3oauea~mmnn wou naund unno,~~~o~~ o,~.,.~~~~~...~ ...,....w...,._ ~einoyaeM ~eauawy }o ~ueg a6eaany ~euo!leN ;uno»y la~~eyy ~Sauoy~ . ®aup le;Ides ldb' %gZ'O ode °/009'0 ,,,add %L L' L fAdV %9L•6 0 lL$ 0£$ oz Ob 8~ 09 ~~` oa 1 8~ue~e8 ~~~`5$ E~ UO s6uiuae3 ~sa~a;ul ~enuury oo~ L8 L$ oz~ ossloa ~nauoua anon ao~ ~soua aye f ui~~,af no/C aad N panlasa~ sly6u py ~>Ilew aJpvas pala3n6a1 Rpelapay a s! aup lel!de~ ~JUI 'saJlnlaS aup lel!de~ 5002 ~5pp Irol ;o se wo>~alonpaueg Rq paysggnd s¢ slunoaae lal!lew .(auow lo; shy;o a6elan¢ IeuogeN« noa saa 'Jloi vagwaw '>lueg au0 let!deJ pue '~a'Si 'au0 lel!tleJ .!q pala)<o ale slonpold asayl ~s6u!wea ~^P ~ pl i ~6uiuatlo wno»e sye a6ueya o; ]lafgns ale pue algepen ale salea ~wpou ]nayluv, a6ueya of ioafgns aie la;;o s!yl;o suaypuol pue swial OOtS s! lurous 1!¢odep N4!! unuxyyrl'9o00'0 xsm Adb'a10. 7ou N!%SL'£ sea ndd ay] 'slow to OOIE sem wnol~e la~lew ,(auow z!yl )o aoueleq RI!¢P ayl i!'So/01lot ;o sy , luawa~lla~ ~noR ~o} luawlsanul a;es a aplnmd ;eyl sVlll 43oU pue leuo!;!peel . 6enn aanJas pue algeis a ul avow wea of nob snnolle leyl pp leuol;!peel . sa;e~ 6ursu;o a6eluenpe a>fel of u+opaaa; ayl not sani6 leyl add s3a~6aa oN . aJUeleq wnw!ww ou pue saa ou 'sales leaa6 ylinn luno~h/ s6ulne5 Pla!A 46iH anes of stem;o 63auen a s~a~o aup lellde~ •s;ualh ono y;inn ~llnq an,ann ;snag }o lanai aye }o asne~aq s~lsodap ~awnsuo~ u! uolplq pig aano aney aM •s~awo~sn~ uollllw Sb JaAO y~IM Sa~ln.laS IeI~UpUI} UI Japeal a sl aU~ lp}Ides 'UOI}Ippp Ul 'Mel ~tq algeMOlle ~Unowe wnwlxew aye 'uol~n~l;sw aad ao;lsodap aad 000'OOl$ o; do '•8•S•~ 'aup le;lde~ pue >lueg aup lp;lde~ u! s;lsodap uo a~up.lnsu! saplnoad (~loj) uoh.eaod~o~ aaueansul ~lsodad le~apa~ ayl :y ~a~n~as s! ~tauow ~(ua nnou~l ! op nnoH :~ •sy~uow aaly~ seal ~e ao} ~llnl}~e ou uaaq sey aaay~ }! slseq ,Claa~enb a uo ;uas aq ~(ew ;uawa;e;s .Ino,~ •saa}sued spun] ~!uoa~aal3 anon( 6ulpnpul ~llnll~e ~uno»e ~no~( 6ulnnoys ~uawa;ens ~Ciy~uow a anla~aa IIIM no,~ •sa,~ :br ~s~uawa~e;s aua puas not II!M ~b •auq uol~ewao}ul }uno»e pa;ewo}ne ano Ile] 'Z •uol}e~~sl6a~ aulluo anon( a;aldwo~ o~ uol~ewao}ul leuoslad pup aagwnu ~uno»e ano/( paau llln^ no,~ •uoge~lldde aye a~aldwo~ nog( aauo uol~ewlo}ul Juno»e ino~( llew lllN+ aM •aulluo uol~ew~o}w ~uno»e a;ep-off-dn nnaln o; aa~sl6aa • ~ :s/(enn ~ualuanuo~ onn; aye a~ayl :y i;uno»e ~(w nna!naa !uea nnoH ~b •y~oq ao s~laay~ 'pled yse~ aye anla~a~ o~ ~aala no/( }l nnou~l }~adx3 s6ulnes aup le}lde~ ano~t }al ao xoq ay} ~hay~;snf ';uno»e ~no~( 6uluado uod~ •0601 ~l~onn}au ~Sflld a43 sauaea;ey; wly ]tue;e slenneapy~lnn a>lew o; (s;uno»e ssawsnq ao} algellene;ou) Wsp.le~ yse~ ~a~l~ew 3(auow aup le;lde~ a asn osle stew no,~ •~(~ed pily~ a o; ua;~unn s~laay~ aq ,(ew y~lynn }o aaay~ 'app ~uawa~e~s yaea slenne~py~lnn ao sla}suea~ xis o~ do pannolle al,no~ •~uno»e 6ul>hay~ aeln6a~ a uey; spun} 6ulnne~py~inn ~o} salna ~uaaa}}lp aney s~uno»e;a~l~ew ~(auoy~l :.y ~~uno»y ~a~IlelN ~(auoy~ aup le;!deb ~(w uaol} slennelpy;inn a>leua l op nnoH :a •s~uno»e ~a~l~ew ~(auow ssaulsnq pue ~wof 'lenplnlpul saa}}o aup lellde~ :y ~uado !uea }uno»e ;a~llew ~Cauow ;o ads(; ;eyM :~ •sa~ue}swn»n ~ay~o ul saa} aq ~(ew a~ay; 'aanannoy '~uno»y ~a~laey~l ~tauow aup le~lde~ a ule~ulew pue uado o} saa} ou aye aaayl •slenne~py~lnn Wl`d pue sa6allnl,ld 6ui~unn-~laaya 6ulplnoad osie allynn;uno»p s6u!nes leald~(~ a uey; sa}el and;l~adwoa aaow sla}}o ~uno»y }a~l~ew ~tauoW aup le;lde~ y :y ~~uno»y;a>fley~ ~(auo~l aup le;lde) a s!;eyM :~ V ~ ~ ~.~ N O ~ ~ 0 •~uno»d ~a~aew ~auoW aup (elide) aye ~noge saannsud pue suoi~sanb .11929'itOL9h2598:~QLd900~50:~ .1182~tt.ll amTeu815 ~aPIoyP1e~ owayr ~7~~ vn 'Puowy~~y siello0 ~~~ ~/oayJ 75gcoz EooSzgo od/LL9-89 $Zttt i6£6L-9L~Y-LL8-i le •s~~ay~ asaya 8ulsn;o suolllpuoa aaue e e .Ta suT:.>; oa sn T:a to de o~ smo,C asn os ` 1 4 3 11 P SOOZ/ [ £/Z [ pue sw~aa ayl ~o; apfs asiana~ aas aseald « uo andxa s~jaaya mod •auy iTpa.Ta alyelTene mod u1:yl aiow lou s~ saa3 due pue suonoesuea~ `s~aaya rno,C~o ie~o~ ayi ams aq asn[ ;IDM ~UOp os `Sooz/r£/zr uo aa/dxa ualozs .TO Tsol .Tana a.Te .(ayT 3T sa$~eT~ 11rM s~JayJanof 7agwatuai ;sn( yuoM nod 6uiy~fuo paziTOymeun Toi duuad e ded >,uom nod - ajes axe s~aaya mo,~ . ;sow/D iof way; a;uM paTda»e aye s~oaya leuosiad aTaym s~aay~ aseyaand asn usa not . aa~ uouaesuen ou s aaayl. snza ~(soa;Dy; s,;i-~~ayJ uoneaen puel.Tapuom ,a~uTM T', u~d . .ray;o ~(uD aN~/ asn o;;a~/DM .TayTeam ao aslndlno~f u/ way;;nd ~a3uTm X03 agoap.Tem nod pue yea mod °astTOy rood asedaid . sdepiloy ayl.to3 diTUre~ pue spuau~ uTeiaalug . sauo panol mod toj Tue,~ nod s13~3 aye dng . dauow pue awn anes uea nod puT: ~unoa~T; maun leTTde~ mod oa saaueTe9 a~e.T-isa~a~uT-.TayBTy ra~suei~ . •MO/aq puD anagD wolf s~Jay~ asnyJ~nd ay; y~o;ap :sfBpr~oq aya 30 lsow ay3 ahem o3 s~aaT~J mof asn isaseyatnd uo Tai nod ~S~~3HJ 35VH72lfld 21f10A alE] .1E27~ awES ayz dO~Ua pUE - UOSeaS depTloy STyJ JUEM nod ]E[1M 30 3$fl 01 ~'~ 5.11 avow op w sslaaya aseyamd asn uea nod °iaPloyp~T;a paua3aid e s6' ~is~~ay~ asey~and y;inn UOS~aS /~~pl~Ot,~ al.~~ a~E.IC+a~a~ `A2Jb'3M 9 NllSflf Zlapenn ano~(ul s.;eunn I a'I,lll,•n~~~Ib•~ b 3o b aid •11929ttOL9't259g:~Qdd900t50:~ .IIL2ttt.ll a~n7eu815 owayy ~aployp~e~ ~~''^^ yn 'puowyoiy ~y~ayJ asoy>rry s~ello0 759ioz foo5zgo od/LL9-89 Lzttt ~ ~ yoo~cctldt•BdSAllON1NnOW aTe0 96X09 Od AaV3M `J NLLSnf d;e0 96oo-S9oLT tld s9Nlad5 AIION 1NnOW 96 xoa od natlaM s Nusn( Z ~ J W N_ ~ = Z ~ O O F W . m N 2 N ~ Z N Q O U 2 a ~z F LL N Q .Q W LL F ~ Q 3~ ~ W O N Z W O 0 ~panratas rtyb'u jjy ~~svtu a.nn.vs pa~atr+Nar ,Cjjn.~pa, n n aup jmtQa•~ •.~uf 'raarrzus aup jarrJv,7 SOOZ ® ~ ~ roo 'va~a pve »toj 11ry ut vrewat tunmae mo.C to3 svowpuoa pve swtar tayro (~ ~runoaae mof Euisn se tjrir:trb llrm r~laaya asayr 8veyse~ ~ o ~s>)oaya runo~e asn rouuea pue ta3sue.rr a rsanbat rouve~ tasn pazuoyme ve 'runc»~e mot uo rasn pazuoyrne ue aney no.( ji ~runo:roe au~J lntde,~ ,(ve ~o rigid to umop ,(ed or pasn aq rouue~ s~oaya asay1 ~aa3 rlaay~ pavmtag a passasse aq tew no.( pue ptedun paumrat aq lpm rI"yo mo.f 'paters se rvatttu rou st mnoa~e mo.f to algepeneun sr rrpato ayr 3l •passa~otd s! r~ awn ayr re svotl~alloa v! to'anp rsed'tem.fue ui pa»msat st rvnor~c mo.(3r arcs rirlevad tarl`d(y ere passaaotd a9.iew to passaawd aq rou tew >)aayo ayr pue `rvnoaae mot jo snrets ruattna ayr w raa(gns osle sr aouerdaaoe slaay~ rlaarlo mu,( sassaaold auk leride~,(ep ayr uo rrPara alyelrene ayr aney rsnw not os ',(ril~geltene nparo or raa(gns ate s>I;ray:r par~er7e ayy ~swet9otd ptemat rue tof .ijl~nb rou .Cew rnq rr or srvawpuawe ttre pve rvavnat$y taworsn7 mo.( jo swtar ayr or durptoaae saseywnd se pareur a9 ll?m sr(aayo pay:rerre ay1 < • ualo;s ~o;sol tans s! rhay~ asey»nd a ~! tuuad a •arlew o; s;uawted ~ lied;,uom nob `uoy~a;oad t1(llgep poet; og ono y;lm'sat :y tly;uow ~ama;Suptey tq yoga pue awi; apes plow not'puwa5. ~punae aney o;pue asn o; ajes s>naya asay; sty :a •sueol pue (spte~ aup le;lde~;da~xa) spry;lpa~~ ~_ gay;o wm; saaueleq euwa;suet; tq tauow apes plow nor(•us~ . b ~ •ale s ; ato a P !4 ! q rhaya ay;asn aseald ~ L;qap aaepposum •r~aay~ asey~md yea;o do; ay;;e pa;uud s! a;gip uol;endxa ue'sat :y olsrlaay) esey>try 6w am o;;uem l plnomdyM :p ~ zatldxa tens srpay~ aseywnd ~w IllM ra • igap a;epyosuw o; sl srhay~ asey~try mot ~o a8e;uenpe arle; ~ •s>hay~ aseyaand 8ulsn toy aa; uor~esue„ ou sl stay; `oN :y o; rem gay;ouy •puey uo yse~ aney o;;uem;snf to Sulddoys at,not faa; uol~esueq a stay; s! :p gay;aym-Swy~ue;sowle ~o; srhay~ asey~and toot( asn ue~ noA 'tl ~ •sasey~md uo tolua tl;ua~m~ not 8dV awes ay; anla~ai plm not :y Ito; srlaay~ aseyynd ~(w asn l use ~eyM :a isrl~a4~ asey»nd Aw asn l wym R~dde plm a?Iet ~sata3ul;eyM :b •;uno»e aup le;ldeJ mot uo ~ sasey»nd pae~;lpau mill pa;eat; aye s>hay~ asey~mtl `;unw~e ~ sto;yet;uw letaua9 . 8ulrhaya mot wot~ spury8ulmetp~o pea;sul;ey; sl awata}~lp ~ staplnad A;lll;~ . ayj •sr~aay~ leuostad arlll;snr s>hay~ aseya;nd asn ue~ noA ~tl ~ s;uetne;sat awo5 . i~1~4a leuostad t(w way ~rtataylp s>laay~ aseyatry ate ,NO!{ :a ~ sgnp alesaloyjy~ . :se yens 'spies;ipat~ Ida»e;ou tew;ey; sweld;e tpuey tlteln~i~red ate pue •ataymtue;noge lsnl way; asn uea not -;uno»e aup le;ides toot ssa»e a;Gem;ualuanuw ~ •s>laay~ leuostad asn ue~ not tanataym pa;da»e ate s>hay~ asey~tnd :y `tsea ray;oue no/ taro s>hay~ asey~tnd pasopua ayl :y ~pa~da»e s„~ay~ aseyatnd are aaayM :a ~awwaae;s rsw u ~~ ! ~4a stays ate RyM a ~ s~~ay~ asey~and ;noge suoi~sanb passe ~~auanbaa~ o~ 5213MSNd _ * U J W U y ~ w H Z 2 O 0 H z m t- 2 ~? O N J ~ U O O Z p a Q ~ sz a o ~ LL m N Q ~ W ~ O m 3> = w O cc o p w ~adalanua pam~+rv ay, ur Irmo pua auag au p Ivl:dv~ of a14v'Cvd apmu vp<o,Guove to ~•?ay+aro,Cuo vyv+xu Juxmm mofaJsura aroald ~~~mnllmlilnlluilrlmllm~~~~r~urllml~~~m~~~usl ~ $ ~~~u~u~~~~~nnl~~I~~mllluus~~n~~~~m~~~~nl~~un~~~~ 9600-590LT Kd SONIBdS A'I'IOH SNT10W ~ ~ 9TZ0-6LT£9 OW 's>:noZ ~~S J 96 XOH Od ~ ~ ~rI~I~~~II~~r~~~~r~~~~ 9TZ06L xog '0'd A2IFi'3M O NISSITP ~ Jlueg aup T27 iCT2J 2i'3HWf1N 0I 'IIFiW #6afi49005L9a45 £06# avoyd auur~nr avoyd awoT,* dIZ nT+S ~!~ N +dV mans ?'a'fi'v19JO 148r<.im )rq rr8wy~pmu-s Sao ruypv 8u?Iwru ~r.drm ld 9Z9T-TOL9-bZ9£-Z98b aagwntl3uno»b7 $ pasolaua je~oy 9002 `6i .C+enve[ a1cQ anQ ;uaurizd 00'b0T$ aT1Q mnourtl wnunurY4 84'ZLb £S aJLEIe$ MdN OOOhOL000£6008hZ1h£ 6L 9Z911019hZ9£Z98h 0 0000000 • 1N3WAVd H.LIM MO'IH8 NOI1NOd NNf1.L'3N'3Stl3'Id °,659' T I pouad scyt pa~Idde ~.I.d2I ~~vyN~~~~d 7V1]hII~IV ZT'ZY %59'tt d96Z6t£0' 8L'iZZt S2T33SN6TT.L'IVI03dS 00'S %SS'ZZ d768Lt90' 00't }{Sys 8£'0£t %S9'TT d%Z67£0' 6I'ZLT`ES Sfl$tlHONRd ~t~n~ a~ ~,~< °7P"1~' 8 :P "00 '.'P : d ~ 1 8 uortuvueJur luvt+odrur +ofaprr arvaal aar amald Sa~ey~ aaueu~3 '9002.(mnzgad Jo pua ayx.fq lno papew aq TP^+ szapzp •ndoJ mo,( anzasax ox `90pZ `I£,(mnue( azo~aq L846-46L-LLS-T Ifs so awluo ,(mwwnS pug-zea,L mo,(]sanba+ o; xunoax mof ssaooe pve worauolciTdea•MMM o; 09 aseaH •zea,( zepuapa aq1 Eutmp svonaesuezt apew aneq no.( pue `duipvexs pool uT sT lunorJe mo.( papTnozd `sa&eqJ SOOZ mo.( sdeJaz xeyx xunoooe at Traads , srtp zo; .(mwwnS pug-zeaA aag a anraJaz o; atgc8ga am no.('+awoxmJ an0 IEVdeO panTe~, e stl 90'99 tid g7SI'RIdO bLSt#,LBtlY~i'tdM OgQ 9T 6I SZ'8 tld g'ISI'RItlO,IOb'W2Ib'Hd ZZIb'O+ji,I'Ib'R~ OgQ bi ST 58'£Z Vd g'ISI'RItl021g,LNg02IgdRS WtY1 ~gQ 60 LI Oi'8 Vd RIdS C7'tOH.Li~I2IRd,LSd2I gSgNIH~ Igdltl,L I)gQ 80 9i 00'ZZ b'd g7SI'RItlO b£9Z0000 Z,L3gHS E9ZOZ0 OgQ 80 Si ~ Zb tld g'ISI'RIV~ OLS# Sg'Idtl,LS OgQ LO bi 86'9 6'd gSI'RItlO L9TOLI000Li#'I7g$ OOtl,L JgQ LO £t 86'G tld g'ISI"RItl~ I96L0000 ,L2ItlinI?I OgQ S0 Zx £L'9T b'd g'ISI'RIb'~ LII# SL~Ib'IiNRQ AON O£ TT 04'b Vd 02IdS A'I70H .LIH 6Z£Z0000 Z,LggHS Z£ZOiO AON 0£ OI 90'bZ b'd g'ISI"RItlO iIg,LNg02IgdRS WM AOA[ 6Z 6 00'L b'd RIdS i'I'IOH .LAI OgQL1 dO,LS J,S~II3 AON 6Z 8 tt'£t dd g7SI'RI1'O bLSZ#,LNb'Ih'IdM AON SZ L 9Z'8 tld OiIdS ~CI70H ,L4Q 6Z£Z0000 Z.LggHS Z£ZOZO AON SZ 9 S9'6Z tld g'ISI'I2Itl0 b960# SNHOlb'dVd AON TZ S (~!'£b tid'37SI'RId02I3yI.IgOggdRS NLM AON u b I L'££ b'd g'ISI'RItlO 2I3,LNg02IgdRS WM AON OZ £ Zt'8£$ tld 3'ISI'RItlO T96LL000,L~Ib"W7I AON ST Z saonaesTte+y -00'£65 .I.P1dLV ltld HOb' gAiI'INO 3N0'Ib',I,IdVO 03Q 6T I stuaunsn,PdP'~sx4Paa~'sxua ed £ Jo I aid 9Z9i- i0L9-429£-Z98b SOOZ `6T OgQ - OZ AON .LAIR000b' b'SIA NiRNI.Lb"Id zpuou `oP~FO wOZ3 a^Ff [h1O$ aup p1Tde0 aqx ga;eM ox Ogb• o; w avnx o1 ams aq `(tN) wd I xe Z,(+enue f uo pvy sdtgsTTOTdurega IMOq +o; xT[ 3 swear anzone; mo,C aas ox vonJe nrgxoo; a`daRoa voseas-;sod m xaaq aTlx xoq OZ zagwaoaQ uo 8uniexs ZNdSg Pve I~IdSg o; uc aunt' teie8e auTn xaaM [MOg av0 Ie]?ddee0 s,xI IIOSxelIil03[II SunoJJ6* xTIeyTOdu[I SSZO-0£T48 ,Lf1 `O'IS 9TZ0-6Lt£90W `91^o'I zS SSZO£ Xo8"O'd 9iZ06G xo8"O'd aup plydsp tuag aup pzrde0 8urssaao+d a°usunua2i ~wxV :ox nnmbrcr PU°S =o; s;uaw.f~ puag OLOL-SS6-008-i :p+s~ wtoys +o +soT s uoda+ 01 +o suonsla~ nwolmp ~. oy aoT.uas mo.C x~r ZS'LZS$ gse0 zo; ;?pa+0 aigeprntl 000`bt qS°O zoj aut7 gpa+0 ZS'LZS$ 1?paz0 algepentl pnoy 000`4$ auc7;?pa+0 pao~ 9002 `6T .CTetlver ateQ anQ waw,(ed 00'b0i$ aI1Q ]UROUIb' UmUIT[!T~ 84'ZL4'£$ aallep`$ MaN OS'Z£$ sa8zeg0 aJUeuid 69'NOb$ suowesuexy 00'£6$ s;uaunsn[pb• pue supaz0'sxuau+.Ted 6Z'SZT`£$ aJUep;$ snocv+d S tunoaad ~I .1192 9t t OZ9ti2 598:T8ZZ900t 50:1 .115Zt ~ t.u azn3eu815 +aPIo4P+e~ owayy .~hayJ arnyamd .~re~~ BHA `Puowya~a ~~~ 9zgg65 zo-s5z9o ors/u9-&9 SLtii V 3 aloe 96oo-S9oLi tld 59NIbd5 AIIOH 1N110W 96 X08 Od ANVdAM1 9 NLLSfII y 1 ayi seeaoJd touuea an a 'uau Jelpo zo ywp laded a '>faeya ayt Blzlan lvaaae tlueq JnoA laweev eBlvya v atlew o1 sn azuo tna noA ',a satyr 11 • sls auoauae Aq luaa 11 anon apAa BugIM aIp Buunp penlaaw sllaaya pe of aelpde uoyvzpoylne aryl '~Iaeya eVl;o P+awe Jo sA I >IU 6 ,noA ww{ lpep S 4~~ nA,ovgaW a vlsA ~~ of an ozuoylna noA '(s)llaeya v an puss noA usyM 'weukad moA eweda,d uaya, 'ata 'sdlp ,eded 'saldvle a ~iou op~ase (~ ' ?P Ynl ynloxa ' @pmty w snq ,n0 •wayt enpiaw an vP ayl )o sv palPwa eq wu Avw uuo; Jeyto Auv w ,o uo¢eaol Jvylo Auv tv sn Aq penreaat etuoua4ed A,anllw lelsod ,ol sAw ssaulsrq (yl any lsval la molly asvald 'lld °°°u Z L) 13 'w'd E Aq zawaa 6ulasaaw ,no ul panlaaal sl tuaukvd ,noA (Z) pue adoPnua ax,vuluuz Pasolaua ayl ul >laaya JnoA pue lualueivls s141 to uoNod tuouoq aVl puss taA (L) Paplnwd 'tl anlaaw am Avp aseulerp ayt to se tunoaae ,mA of petPwa aq plm sn of I!ew noA sweluAed :raPaN >teypAul ~b'BlOlLO aup Iellde0 fAOZ a 'Ps'uoseJ slyBp Iry/ •uonwoNOO lvnueuy ou0 IeydeO yo >IJaw aalnles pwwslBaJ AljvJepal a el aup Ivlpep 'uaa•auolel, mmm to ayegam mo aas :uogoelwd Aavnud uogelwo)w suoddts au0 Isldv'J rtunoaae plea NPaJauaz nauR'nq of A/dde toy snap 2 stuzroaaB prga ypaJa-uou Jawnsww of A/ddv tau snap ~, roauapuodsauoa pe u61s of ,agwaww assay (~asaywnd to uopgaol zo lunowe )o ssapJeBoJ patanoa a,e saselpzrq ye 'saayuae Jo Au tl ayl Jol luawxluanpe ayl noA papaw em 1! to 'tuvywaw ayl wwado Jo umo am lp 'esazppe yU111BW znoA 1o eal!°1 OOL uNlym zo atats auay J1aA u! apvw sem aselplnd ayi pue 00'05$ ua41 wow sere aapd asBtpJnd aayy1 uatyn Apto uopaalod sM aney noA 'saayuas zo AlJadoJd ayi uo alp lunoua Puulaww ay1 And of lou IyBY ayl aney Aew noA 'weyalaw alt 41N+ uaplozd ay1 laawoa of yllsl Pooh ul P°Yl aney no/. PuB plea 1Pwa a yly+. paselpznd noA leyl soayuas Auadozd to Atllsld ayl 411m uaplozd a aney noA it saseywrld p,e0 lpJwO Jod aAEl le!aadS .~'t 'UOg6anb nOA lunowe ayl laapea w uonae Aw aa~~IIaa11o 1uanDlipw se rol uoda, IOWYJ am 'uopsanb ,noA a1e61tsanul am alNAA uopsab ul lou we lays IIIF JroA to sued ayl A@d al paleBlN° II!IS we Aue pd gl l~6Ul) ~16aAUl ale am aIYY'+ uollsalb U1 3unowe s4 op roA ~lnoge wnsun wg noA wau ayl 1o uondYasap e ' lleuuolul wow poau naA ll Jo :JOUa ue s! aoL i ana!pq noA Aym to 'ap!ssod ll neuepka ue pus ayl Lo uonduasaD a ', a p33aadsne ay1 l0 3urawB J zalpp ay1 'Jaquinu iunoaae pus awau moA :uopauuolw 6uvnolpl aV1 sn and ',altar lnoA ul 'SY1yu ,noA anzasald lOU IISm 06 BIl10p 11W 'lagWnU 6UOOVpN laWOlan~ J1a IIBa uea noA 'paJeaddB ureypJd zo ,win ayl 4a!W~ uo IIN ts,y ayl noA lugs am Jaye sAvp pg ueyl Jwgl ou raA uaJ{ Jgay lanes aryl ~wauplels aryl s luwl ayt uo umoys saunaul Jol esalppe ayl to aNls od se uoos se hays leJedaB e uo sn of alYm 'pp Jo uolwesuen a uo uopeuuqul amw Anal noA yl io 'Buoun s! IP.q JfaA 11u1y1 noA ll (II!9 JnoA nlogy suopsanp JO wou3 10 as°J ul) AtlyWWOS SIHOIH ONITIa 'UOM34a6 iBPUeW JraA uJwl yaeq >Iaolp ,noA anlaaw iou IMm r1o,` pun 'luaulA@d r1oA 0ngaw aM Aw 3W@a ay1 BB 11006 BB lUlaaaB 1Neq JraA uay umeJpyllm aq Aaw spurt' 'Jaleuwl part' a ~laaP ue a>faw o3 >faap 1raA wo11 UopgULO1U1 asn ualry, 'uoliaeslan >faaya a sg luawA@d ayl ssaaoJd w JO lU!%1J0g ]IUBq XIOA 4aq lal6uwl PIeV a1110J1a3p awn-auo a o>Igw w >faap JIaA uaJl uopawiolul asn I~Jaylla sn azpoylne raA 'tuaulAeO se yaaya a wlnwd B A aayAn •uepJS.woO >fveap oluezwey i•1°gV eelsYy 'B Bu aB tawotul Aue ~stglaa6U°Jl IN°1 411m uglaeuum ul P°sn aq toweo luroaaa ,o wga ,roA-tutleery +1°A B4sf1 ~L '°^°VB Pauyap s° IN ul PV+d uaaq s@y aauBle9 1Ur10aae ayl 113un "mgr Aq passluuad waixa ayl w 'PaBJaIp aq w °r'uP°°a IIVn °°1 ayl 'nraaae JraA Jol ae1 tlNwaquaw e s! waVl 11 '1wwAed Jol aplsllodBw aq IIYn noA puB 'luraaaB JrIM1 w peppe aq IIPn adJOya all 1o wnowg azp 'Pauadoal aq IBm iuraaab JnoA 'pasop uaaq say llraaag noA Ja1lB lUeyw3W aP 4a11 tagsuBJl aP aI11UJw aMw~ a ww)wow ° uaJl aseywnd a pazpaylne noA 1! °j 'pasop uoaq Apgwle say 111! wraaa@ JnoA aney noA ,aye ~uraoae inoA uo pupvaddv sae,eya ui lplsw Aew aryl ~3uMaaa ay1 esop of 1saMaJ JnoA of 1ua11yJ6g1K pwmaul we Aayl 1o tunoaae ayl asola of tsardal noA awit ay1 iv tunoaae JnoA uo JgBdda Aay1 Jaylaym elunowe asayl Jol aN!sllodsal a,e noA '1unOaae moA of passasse Baal laylo Aue pus anal aauenpe ysea 'caal wauNeO pawnlaJ 'anal ilw!Y3no 'anal anp lsed 'sa6lelp aaueuy 'pazuoyYle aney noA sUOllaesuwl Aue :bulpnpul sn amo noA slunowa Ala Aetl r1oA plan pasap aq iou pvn luraaae ,noA 'Apeuo!t!PPy 'lunoaae 1raA undoes of uopezpoylne JnoA oB1wp a to ldpaw ,apisuoo IIPn am 'sluawaeuwle 6u1pq pazpoylnewtl POU6a lOU ap noA ll llnoaa@ ,noA 9ulsn aseaa pug '~!IIYI pazpoylneald pe pauea 'stlaaya ssaaae lunooae pus (s)plaa 11paJa ,noA hwtsaD Isnw roA 'Wawuod~ suonelay ,awotsrl0 1rp Bulllea Aq wraaag JrwA p of 1ea11ba1 uea noA •yrgooy 1mA rsg0 ^°A it '8 'pound Asp-AUryI ayl to pun ayt of ,opd (aal dN~agwaw ay1 yupnlaxa) Ilnl u! eauele8 malt', ,noA And pun luawueda0 suoliepy lawownp mo &lylga Aq en M!1ou Isnw noA 'lunoaae ,noA laauea of 'aal dlywagwaw ayl Aatl of 6°!na4 wWllm lunoaav ,noA 3611 0l anu!luoa Aew noA 'pound sop 6uun0 'Yrloaae ,noA Pauea noA y noA of patpaia aal yarre aney o1 Jo aa1 ayl BuNVtl pane 1 noA of pallgw sem iuawaiws aryl alep ayl ua,l sAep OC envy noA 'luawalels aryl;o YroJy ayl uo weadda aa1 dllluagwaw a !l •plrloaa W n°A p4~N+-9 n ,alai a la anal ,ellwls ,o awes ayt ssasse w IypY Jno BuNjam 111011t!M raA 01 uoltwypou loud lfayl,LN anal Aue ssasc@ 01 lou 1o anlgm of iypp ayi anJaew am uawaw8a 1aua3ena moA to suual ay1 Japu(7 ~poYad BupiW Aue Buu1p mono 1gy1 way paisp anal ay1 )o aml ueyl wow ou passasse aq IIPn tunoaae JrgA 'sred >A1rWA@d Psu+PN Pub 7!Wl+rJ'O 'rar7 M 7u@umray '9 43uow tpea pound dJylN ,noA to Asp lest' ayl uo ayHxp/a aq Ipv, s3dU@ya assal 'noA of pasolasP Ap:nolnwd udJew ayt a1p1 %auJno/'t3a1lS //BM Wl ul Aural ee 'saaywl pawls ayl uo pase9 asewaap Jo asewaul Aew pus Allµuow Alan Aaw Sd1W 3DV1N30H3d lyfYd~lb' Buyradsalzao pus sates aywp ayt '(s)ales apapad ayl of pcau luawaiws ,noA WO tuwl ayt uo weadde (AN1uoW paapdatl tl09f1 -EI O ,° 1yO811 ~ow-ll d 'lewud! 0 w°° ayl ll 'a 'Jagotap pus Apf 'lady 'A,enuef syluow ayt ul yupua 3lawalals aywpad rnoA Aq pa,anoo ppoopad BuIIIN eaA to Asp Iwy ayl uo anlwaµa aq IIH+ saWelp assay 'noA of pasopsp Apaalnwd ud,vw ayi sop '/BUJrrof taaJS //BM aql u! purol se 'saaplul paters ayl uo pesBq aseaJaap Jo aseazau! Avw Aue Apauerlb Al@n Aew S31yd 30y1N30tldd lyf1NNV &1Pladsauoa pus salty apouad ayt '(s)ales ayapatl ayi of 1z3U tuawalels s!41 to Yzo1/ ayl uo weadde (awud P1s°11°°al S zo '(laadap to aleaywa~l ~ 'ItlO01l 'out-G l 'f°I°Vd) d 3p0a ayl ll '9 'luawalals sllµ /° luonl ayl uo ,tldV. se ,eadde Aew ,alvy aBeluawad le uuy, wlat ayl 'e 'Uldyl eee@e vpsarowd 1@zs+1N 'E ayl sn san8 s tuau~a ~~ to oaueleq Allw aewane Pest a 1 A Nl 'popad Bulpp ayl ul sAvp l0 1aquJnu V q wlnP pus P°Y°d B°!IIN °yl Jq waudas yava Jol s°azel°9 AIlvP ayl IP do Ppe am ' luaudas yava to aauBleq Apep ayl sn sand sNl 1'lu yaea to aaueleq ayl w papnpul aBJeya aaleuq pledun Aue wel3gns ogle am ,'ol Pa!IddV atey aau61g9, 01 lxau wawatels sM 1° 1u011 ayi u0 weadde ly ap0a ayl 411 'stPaJa zo s~uauN@d Aue wezlgns pus 'tuau0as yava of suoPaesuwl m Aue Ape 'Asp Wga tuaudas yaaa to aaueleq Bupludaq ayl a>fet am 'luauglel6 sNl Aq pwanro pound Blipl. ayl JO; aaualeq Apap aOeJana ayl uletgo of •atez ayaua~ aP AppPu1 am .'ol Psllddtr way aanrjeg, w ixau luaus3oP aryl to luo4 ay1 UO weadde N JoZ apoa a4111 'q to llrlowe passasse Apentae a81ap aaleuy 3IY pue uo!wrol°a eNl uaamtaq aaJauen xpps e aq Aew ways 'slseq AIY+P a uo 8uytulw 01 arq ' pad Buplq ayl u! sAap la Jaqunu ayl Aq pus aiw ayouad Apep ayl Aq °auBleq Ayep aBwang Jf10A Aplppwu 'a61elp aauauy prlw JfaA wgropru of 'apAa 8°!lq tlreJlro ayt ul sAw ay1 1o JaquJnu ayl Aq une ayt BuPlnp pus JaylaB01 saaleleq AYw °zP II° IX1ppe A9 aaleplq l!w aBwane ayl alepnlea aM 'saaueplq AI!°P eyl w pappa lau w@ swaudas aelpJrld m~lapads Ja aseywM JnoA w lsOd yaµm Q10,4"lealBJl '(lurowe tylala @ 10 waz earn aaucprq .vau ,no% ll Jo) lyy I luawwele ergNwd nM uo w.noys aaugPrg mql ayl Pled noA ll ',anemol{ '1ur18me J1aA 1o tuauda6 yaea JG 3awpzq Apes aleJedas ay1 sn canp spll '1uau8as leyl of paleaopa we ieyl Asp IgIP !° se palsod slylwa Jo stuawAetl Aue tawignc uap aM luaudec l@IP Jol aalaplq a,Aw srolnwd ayl uo pal@ynlea aBJe,p eaueuy ayaVatl Aue pus suoPaesual mau Aue ppe puB weudas yaee JO1 aauel°9 Bupudaq ayl apgl aM '1U11oaae JIaA l0 l°allda6 yaea JO) aalgPq AI!w ayl lab of •lwaaae JIIOA Jay adJwp aaleuy aylOped Igwl ay] le aAWa Ol lU0uB36 zPs° I'J°1l 6l~lBw ayl drl ppv ary, 'waw0ae lpea Ja) aBJe1p aa,auy ay°pad xaA 1@ an W @ O3 611Uq@ItbpTJ AI1Bp a6ay1 )O 61p163J ay] d' PP@ a++'POpad BISyF ayl )° Pua aIp le uayl •waudas yaea to aaleleq aIPP ayl w lulaaae J11aA )° waudas gaga Jol ales apaP°d Aew ay+ Apd@ aM •papad pulnlq ~P p°YnP w W°° to pun ayt ly -roA al pasapsp Apalgnwd uaaq soy letp {s)ww aywuad Alpp B19>•,odsauoa ay1 Aq (asapJnd leaads pue ',a}sUwl lapade 'aseywnd 'aauanpe ysea '.6.g) lulaaae JfaA to luau8as Wan to aauelBq AI!w ayt BuNplyylw Agy paterolea sl a6Jeyo aauauy ~a •lasnyiJly MrN 6upryrlyl r°I~1@9 Ay@p r0ssny .Z uand Aue J saOJ 'popad pu91!q °) eye aaleuy Ile JO Aue ssassa i0u OS 1y6u ayt avasaJ aryl •rpzwp •ousuy u_ uwiwpry AwzBlYwi 'p,~ 'wraaae JIaA ;0 6aUEa@ aseWJr10 ayl of pa11R aq II!A+ aaJwa))P ayl puB unwuw OS'O$ aP uay llrawe 1eW 1aeJ1Q6 Iln+ aM 'ps•0f uelµ ssal sl (s)a1w aytoued JII¢A to uopealpde ayl any Bupytsw aBJeya aaueuy Idol °Ip 11 'Pasodlu! as IIM+ OS'0$ )° 30Mb?U 3JNbNy Iww unuqulw a 'a6lezp aaua.y e w 1.'1sfQ1s sl lunoaoe JnoA leyl popad puPllq 4ava m{ p~ Ipg ~ d~ Lti 'a~ 'luraa0y JroA o wauda6 a Ildo seBJezp aalauy plBdurl •ytuow snoywd alp JO) ae ap lau PP 1119 'ales Bupap l000103w6 ixaU eyl Aq wawOlel6 IIgA to wwl aW uo paleayne galale8 maN wuua ayl Aed noA 11 Irene 'sa8leya aaueuy eino ZIPS Aew raA ieyl eueaw s 'Ipy u! P!Bd s! aauelBq P!ed1s1 ayl ILxn aa,aprq MBd1+1 Jr u% w awaae w arlUquDa sadlelp aalvuy 'lyy u! pound Bulpp snogwd ayt uwJ) aa1@leg ma)y, ayl Aetl 1ou pp noA It 'MIBUO11Ppy 'pound O°!N!q luauro ayl;° Asp JepUalBa lest' ayl wwl (E Jo iuraaay mar of passeawd sl uonaBSwn ayl ales °IP way (Z Jo uopa@WVn alp to ales ayt w°1l (L a81@Ip aauauy pa '1csB wg popad aaw6 g Ol laa)grnre lou we yalym suonaeauwl •r6Rlp relWrfi Bunny 'q m°N. Iglw -~ °Igq °IP Aed lou ap noA 11 uolta0@Uwl Aue uo popad aawB ou sl ways 'uopypa ul 'slalsuew lepads pus ewuenPe 46e' uo pound wgJB ou sl wayl 'ww Bup:op 3Uaua1B1@ ixau JnoA Aq pa3Pwa aq w y Jol aura w Aue 'MOpq slwwAed JOl W1topJ lUwladwl ay1 y1Yn aauwlOaaB u! ' aauelep MaN. Isw1 JraA Aed raA ll eaBJetp ,ay1o rnau pus sasglpJnd lepads nleu 'wayalwt aaleleq Mau 'sae@yw11d Mau uo stP aaJauy trlotplm sAw 5Z to popatl eawB lunwu!w v aney II!m noA 'Pv!zed eeelz 'v 1 pus 1a;suel3 a lganbal)ouueo lean n1o w-~' m v ~...:~.,.o. =w.,lrr.....~ Nor ~wJe)1u11v:r.Je .laylo Iltl '~pa4o lunoooe asn louueo pa y~ne ue 'yunoxte mot( uo lasn pazuoyyle ue aney noA ~ tuno~e anoJ(6wsn se Iyilenb piM>loayo sty; Buiyse~ •lunoa~e au0 leude~ J(ue po 1(ed to LuAOp dad o~ pasn aq ~ouuea >foayo siyl •aa~ >IoaLl~ pawn>.ay a passasse aq ,tees no,(pue piedun pawnlal aq piM >loayo 1no/! 'pa;e;s se;uaWno you si Wnaloe mo,(1o apelieneun si lipalo ay) }I 'passaoold s! y au1i1 ay) lE suoiyoalloo ui 1o'anp iced 'J(eM Rue ui pa)oulsal si iunoxe molt;i a3e1 llne;ap tay6iy a ie passaoold aq llew to passaxad aq lou r(eLU >loayo ay) Aue 'iuno~e mo1~ ~o snieys iuaWno ay; of ioalgns os~e si aoueldaooe>loay~ •~oayo molt sassaoold au0lel!de'J ~eP aye uo iipaloalge~lene ayy aney lanes noJ( os'~ygigeliene lipalo o~ yoafgns si ~aayo paso~oua ayl •aug )ipalo algeliene mo/~ peaoxa lou swop sea; laylo due pue'suoi~esuela 's>loayo anoJt ~o ~e1o) ayl 1ey~ alns aq aseald •swel6o ld p1eMa1 r(ue 10; J()i~enb lou stew allq l~ oy s1Llawpuawe /,ue pus ~uawaaa6y lawn;sn~ moJ~ ao stulal ay; ol6uiploooe aseyolnd a se pe)ea1~ aq IIIM ~oayo pasopua ayl , ~WI I p _y ~ w = Z O Q F O O ~ W m ~ ¢ ~ Z > O J r^ a ~ O U O Z o a a ~ 9 Z a O W m N It ~ W Q U! ^ w 1 W f ~ ~ W Q = w W 0: W O ¢ ^ p w P~nw q,~ o O O_ 8 s;uno»y;uawaii;ab ~enpinipu~ ~ ;isodad }o sa;eayi~a~ ~ ,~sd) s;a~6aa oN ~ s;ono»y }a~~e~ry Rauoyy ~ s~uno»y s6uine5 p~aiA y6iH .~u '9'S~ `aup Isilde~ ~j~jdE~,~ ~uee aup lellde~ ~ia~ a3aw3w 13 'w'd OO:Z o; •w•e pp:g '~(epan;es . •ua•d 00:g o; •w•e OO:g '~tepu~ y6noay; ~tepuow OL6Z-80E-998- ~ I1~~ ao ~ s ulnas uao~•auo~e~i e~•MMM ~e qaM aye UO Sn ~ISI/~ }saaa~ui (~.eaa6) y~.inn • • • ~~eq nod ~(ed ~~inn ~(auoua anon •~uno»y ~a~apW ~(auoW aup ~e~ide~ ~ uado off. ~auoua anon( o} ~.i anno nod Jldb %5L'E 999tOZ •s uin ua u l l •nnnnnn ;e gann ay} uo sn ~isin ap 'OL6Z-80£-998-~ ~d II°~ II~~ •~tenne ~y6la ~saaa;ul aaoua 6wuaea ~e~s pue ~.uno~~y ~a~aew ~(auolN aup le~de~ a uadp lfepo~ iunoaod ia~rey~ ~(auoy~ aup le~tde~ e ~uTUado ,(q ~fauow mo,C .ro3 uow a~ ia~ pue aiei aear~ .rno ~o a~e~uenpe a~le1, •aauemsur ~Ia3 }o tiunoas aq~ anerl Ii,no~C 's~anpo.rd s~uines mo lle yilm se rasnepaq-spuetl pooh ur sl ~fauoiu .rno~f pamsse Tsai vea not •puy •sy~yy .ro s~lparla r~nonp .fauow .rno~f o~ ssasae ~uaruanuoa ~Cofua ITpo,C `snld •saaj aauruaaurew ro ~uruado iunoaaE ou aiE aiayl pue OOT$ s~ aunoaae ue uado o~ paau no.( ll~ ~isea pue Tomb si .fauow mod .ro3 arow ~unla~ °asrword ,~alssey oN auk le~rde~ ar11 ~1~k1 •ssal $uTr{~,iue ao~ apias ;,uoQ •(,tdd) plait adz;uaaaad lenuud %SL'£ e ~ofua pue ~uno~~ za~iey~ ,fauoy~ aup iearde~ e ozui s~vrnes pavrea-p.rerl mo.( and •s~ulnes moi uo s~uru.rea a~e.rane-veep-.rauaq auasap no~i ~luigr am 'lawoisn~ aup Ie~Tde7 panlen e ale nog( asneaag sally ~o s~~ay~ y;inn ssa»e ~tse3 . saa} a~ueua;wew ;uno»e ~0 6uiuado oN . ~~~$ Se al~}II Se y~IM ~un0»e ue uadQ Adb~ %51'E ' ~(pnn a~sseH oN a~~ aaoua uap3 `~I2IN~M J 1`II.LSflf £ Jo Z aid ~' a ~~ 3° 999LOZ 'sanpua asayl yl!M uogepige ou say aup ~elldPJ 'paniasa~ s1y6u py '61gua anihadsa~ yea 6q paumo we sWew a~inras aup ~eudeyuou anoge ayl 'a~ue~eq luno~e 000'Sf awnsse shy ~s~,dy luno»y ya~~eyl; 6auoy~ s~~o~ MaN 6ursn SO/L7JOl ;o se umreinoy~enn~n+nnrn Pue wore~isweio~ueo~nnnnrn wnu round ~,~~,.~~~....~ ~~ ..,..~.w...,., .,...,,w....,._ ~ V - „einoyaeM ,e~uawy ~o ~ueg a6eaany ~euoi~eN ;uno»y ia>laeyy dauoy~ ~aup le;lde~ Adtl %5Z•0 ildt/ %09.0 „l~dt/ %8l' l ,AdV %5L'£ 0 ti$ OE$ oz Ob 6S$ 09 (~` a~uelee 000'5$ t uo 08 s6uiuae3 ~saaa;ul lenuud oo~ L8 L$ oz~ ~nauou,t anon ao~ ~.soua aye. ~ui~~.a~ no~C aabr •pan~asai siy6u py •~~ew a~inias papa;s!6a~ ,tpeiapa; a s! aup ~eUde~ •w~ 'sa~in~aS au0 le3!de~ SOOZ S0/GZ/Ol ;o se wo~alonpxueg ~(q paysi~gnd se s;uno»e;a~~ew ~(auow ~o; sAdy;o a6e~ane ~euoi;eN a~a o aie sin ~d asa F dde s;iwi enne~ li •~IOd siagwaw '~ eg aup ~e;i e~ pue °g•53 'aup ~ei!de~ 6q p ~; PAP 41' 4 ~I P4 .M's6uiwea a~npa~ p~no~ saaj •a~uey~ 01;~a.gns aye pue a~geuen are sa;ey a~i; u inoyyl!nn a uey~ o; pa.gns aye ~ ;yo siy;;o suogipuo~ pue sw~al'OOl¢¢ s #unowe;isodap eil1iw wnwiwy~ ' % 0'0 Senn AdV a41'lou p :%5L£ senn AdV a43 aaow ~o p0~g enn;uno»e;a~~ew Rauow sy3 }o a~ue~e~{ T~ie'p ay;;i 'SO/CUOL ;o sb• . ;uawan;a~ mod ~o; 3uaw~sanui a;es a apino~d ;ey; st/y~ y;oy pue ~euo!;!peel . ~teM a~nxs pue angels a ui aaow uaea of nog( snnope;ey; a~ ~euo!;!pe.q . sa;e~ 6wsu;o a6e;uenpe ale; o; wopaa~; ay; nog( sani6;ey; a~ s;a~6aa oN . awe~eq wnwiuiw ou pue saa; ou 'sales lea~6 y;!nn;uno»t/ s6u!nes p~a!,~ y6!H . vanes of s6eM;o ~auen a va;}o aup ~e;ides •s}ua!!~ ano y}!M;l!nq an,ann ;snag }o lanai aye }o asne~aq s~lsodap ~awnsuo~ u! uo!p!q p~$ nano aney aM •s~awo~sn~ uo!Il!w Sb aano y~!M sa~!n~as le!~ueui} u! aapeal a s! aup le}!deb 'uo!}ippe ul •Mel rtq algennolle;unowe wnw!xew aye 'uo!}n;!~su! gad ao;!sodap aad 000'OOl$ o; do '•8•Sy 'aup le;!deb pue ~lue8 aup le~!de~ u! s;!sodap uo a~ueansu! sapinold (old j) uo!~eaod~o~ a~ueansui ;!sodad lelapa~ ayl ;y ~aan~as s! ~(auow ~fw Mou~l l op MoH :a •sy}uow aa~y~ }seal ~e ao} ~(;!n!;~e ou uaaq sey away;;! s!seq ~(l~a}~enb a uo;uas aq Aew ~uawa~e~s anon •saa}sued spun] ~!ua~~al3 anon( 6u!pnl~u! ~t~!n!~~e ~uno»e anol~ 6u!MOys;uawa~e~s ~(ly}uow a an!a~aa IIIM no,~ •sa,~ :br ~s~uawa~e;s aw puas nog( ll!M ~b •awl uo!;ewao}u! ~uno»e pa;ewo~ne ano Iles 'Z •uoi;ea;s!6aa awluo ~no~( a;aldwo~ o; uo!;ewao;u! leuos~ad pue aagwnu }uno»e anon( paau Il!nn nod •uo!~e~gdde aye a~aldwo~ not a~uo uo!~ew~o}u! ~uno»e ~no~( l!ew ll!n^ aM •au!luo uo!;ew~o}u! ;uno»e a~ep-o}-dn Ma!n o~ aa~si6aa • ~ :s~(enn }ua!uanuo~ oM} aae aaayl :br ~;uno»e ~(w Malnaa l ue~ MoH :a •y}oq to s~hay~ 'p~e~ yse~ ay; an!a~aa o~ ;gala no~C }! Mou~l }~adx3 s6u!neg aup le~!de~ ~no~( }al ~o xoq ay; ~l~ay~ ;snf '~uno~~e anon( 6u!uado uod~ •060! ~laonn}au ®Sflld ay; saia~e~ ~ey~ wly ~(ue ~e sleMeapy~!M a~lew o} ~pae~ yse~ ~a~laey~ ~tauolN aup le;!deb a asn osle stew no,~ •~(~ed pa!y~ a o~ ua}~uM s~l~ay~ aq ~(ew y~!yM }o aaay~ 'ah~ ~uawa~e~s yea sleMe~py;!M ~o spa}sue~~ x!s o} do paMOlle a~,no,~ •~uno~~e 6ui~l~ay~ ~eln6aa a uey; spun} 6u!Me~py}!M ~o} salna ~uala}}!p aney s~uno»e }a~laew ~(auol~l :y ~}Un0»b/ }a~JelN ~(aUOy~ aU~ le;Ides ~(w wOJ~ SleMeapy;IM a~lew l Op MOH :b •s~uno»e ~a~l~ew Rauow ~u!of pue lenp!n!pu! saa}}o aup le~!de~ :y ~uado l ue~ Juno»e;a~l~ew ~(auow }o ad~C; ~eyM :j~ w saa a Rew a~a •sa~ue~swn»p aay}o } q y; aanannoy ';uno»y ~a~laey~ ~tauow aup le~!de~ a u!e~uiew pue uado o; saa} ou aae a~ayl •sleMe~py}!M wly pue sa6al!nud 6u!}uM-~hay~ 6u!p!noad osle al!yM }uno~~e s6wnes le~id~(~ a uey} sa~ea an!~!}adwo~ aaow saa}}o }uno»y }a~l~ey~l ~(auoy~ aup !e}!deb y :y ~;uno»y;a~laey~i ~tauoy~l aup le;!deb a s!;eNM ~~ pJ ~ N V O ~ ~ 0 •~uno»b- ~a~aew Rauow aup ~e~ide> aye. ~noge saannsuy pue suoi~sanb 111]6 68-677/po o6z5i-oz zor688 S Dollars Purchase Check CaP1fa10ne' Richmond, VA Cardholder Memo Signature II^1ii7611' t:05i006778t:86524670ii62611' Dear JUSTIN G WEARY, Cs7p1fs7~Qylg' what's in your wallets' Page 3 of 3 With the enclosed Purchase Checks,* you can access yow Capita] One°° account almost anywhere-and in a number of ways! These checks carry yow current pwchase APR, and there's absolutely uo transaction fee for using them. Here are some simple ways you can use purchase Checks: Transfer higher-interest-rate balances and you could save money. Use yow Pttrchase Checks to transfer outstanding balances on other credit cards, depattment store cards or 1~ loans. Simply write a check toward the balance and it will appear on your Capital One account at yow ptatchase ~ ,~ APR. Move other higher-rate balances today and you could start saving with fewer payments every month! O Put them in yourwallet and use them to make purchases. ~[J~f~~ Pttrchase Checks are especially handy at locations that accept personal checks but don't accept credit s ~" cards. So whether you're making a big pwchase, buying electronics-or just buying groceries at yow ~ Il local wholesale club-your Pwchase Checks give you an easy way to pay. ``~. Make a major home improvement. Remodel yow home with the kitchen of yow dreams. Buy the new furnitwe you've been eyeing for your living room. Replace that leaky faucet or build the addition you've always wanted. -: ~ 1 ~ a Use them to cover other expenses. Your checks can be used to pay for travel, school tuition-even bills. Simply use them like you would a personal check and enjoy the flexibility of paying over rime if you wish. Use your Purchase Checks for almost anything you'd like. Just be sure that the total of your checks is not more than your available credit line. Don't miss out-use yow checks before they expire on O l /3 I /2006 or call us at 1-877-476-7939 to transfer today. forodd/tlonal Sincerely, lnJonnatlon aboutusJng your checks, please see ~AHU~ the backo/th/s page. P. Taylor Jamison, Director of Accounts ~~ PS.Use your Purchase Checks today and take advantage of yotu• cwrent pwchase APR. You can use them just about anywhere, and there's no transaction fce! "Please see the reverse for terms and conditions of using these checks. o6z5i-oz zoi688 Hate 111]] 66.677/5io o6z5i-oz zor6RR S Purchase Check ~'~M'~VrtG~ Richmond, VA Memo Cardholder II'1i17711' t:05i006778t:86524670ii62611' Dollars IUSTIN G WEARY PO BOX 96 MOUNTHOLLY SPRINGS PA 17065-0096 Date JUSTIN G WEARY Po eox 96 MOUNT HOLLY SPRINGS PA 17065-0096 0 s~ o m~ _ v' o ~~ m O -n m O' ~ ~ T z >c a9 z p ~9 r N Z~ 2 ~ m m '~ F Q y z= N N m~ * m Answers to frequently asked questions about Purchase Checks ~ Q: Why are there checks in my statement? - A: The enclosed Purchase Checks offer you another easy, convenient way to access your Capital One account. You ~ can use them virtually anywhere, for almost anything you wish. ~ Q: Are these checks safe to use and to have around? ~ A: Yes, with our $o fraud liability, you're not responsible if a Purchase Check is ever lost or stolen and used ~_ without your permission. ~ Q: How are Purchase Checks different from my personal checks? ~_ A: You can use Purchase Checks just like personal checks. The difference is that instead of drawing funds from your checking - account, Purchase Checks take advantage of the available credit on your Capital One account ~ Q: What can 1 use my Purchase Checks for? A: You can use your Purchase Checks for virtually anything-to consolidate debt from other credit cards (except Capital One ~ cards) and loans, shop for new clothes, or make a major home improvement. Another way to take advantage of a Purchase - Check is to write one out for cash and deposit it into your checking account to use as you choose. Q: Why would I want to use my Purchase Checks to consolidate debt? ~ A: First of all, you could save money by transferring higher•interest-rate balances to your Capital One card at your current purchase APR. Secondly, by consolidating debt, you could have fewer payments to make for greater ease and convenience. ~ Q: Where are Purchase Checks accepted? A: Purchase Checks are accepted wherever you'd normally use your regular personal checks. You can evert use them at places ~ that don't accept credit cards. Q: What interest rate will apply when I use my Purchase Checks? A: You will receive the same APR you currently enjoy on purchases. ~ Q: Is there a transaction fee? = A: There is no transaction fee for using Purchase Checks. - Q: Will my Purdrase Checks ever expire? A: Yes, the expiration date is printed at the top of each Purchase Check. Souse them now before they expire! `The attached checks will be treated as purchases according to the terms of your Customer Agreement and any amendments to it but may not qualify for any reward programs. Please be swe that the total of your checks, hansactions, and any other fees does not exceed your available credit line. The attached checks are subject to credit availability, so you must have the available credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your account, and the check may not be processed or may be processed at a higher default rate if your account is restricted in any way, past due, or in collections at the time it is processed. ]f the credit is unavailable or your account is not current as stated, your check will be returned unpaid and you may be assessed a Re[umed Check Fee. These checks cannot be used to pay down or pay off any Capital One account. Cashing these checks will qualify as using your account. If' you have an o authorized user nn you account, an authorized user cannot reyuest a transfer xnd cannot use account checks. All other accrnmt terms and o ~ conditions remain in full force and effect. ~ ~ ©2005 Capital Orte Services, Inc. Capital One is a federally registered service murk. All rights reserved. 0 ~o m Z a' o ~~ m~ o~ m m O' a ~ T_ y Z ~ p 9 ZO n a r N Z ~ 2 -Nj m ~ m c ~ 1~ ~ y Z = C y m~ * m YOU COULD SAVE UP TO $400 596795 OR MORE ON AUTO INSURANCE WITH ONE PHONE CALL See reverse for details-- Ca PLATINUM VISA ACCOUNT DEC 20, 2005 -JAN 19, 2006 4862-3624-6701-1626 Page 1 of 2 Account Summary Payments, Credits and Adjustments Previous Balance 53,472.46 1 17 JAN C.4PIT.4L ONE ONLINE ACH PAYMENT 5104.00- Payments, Credits and Adjustments 5104.00 Transactions 5174.10 Transactions Finance Charges 537.10 2 19 DEC 010232 SHEETZ 00002329 MT HOLLY SPRC F'A 525.76 New Balance 53,579.68 3 20 DEC WM SUPERCENTER CARLISLE P.4 46.95 Minimum Amount Due 5107.00 q 28 DEC WAIrMART #2574 CARLISLE PA 28 SU Payment Due Date February 18, 2006 5 03 JAN WAL-MART #2574 CARLISLE PA . 19.93 Total Credit Line E4 ~ 6 10 JAN FIRST STOP V1DE0 MT HOLLY SPRI PA 3.50 Tonal Available Credit 5420.32 7 11 JAN 0232 SHEETZ 00002329 MT HOLLY SPRG P.4 4.22 Credit Line for Cash 54,000 8 11 J.4N WM SUPERCENTER CARLISLE PA 9.82 Available Credit for Cash 5420.32 9 11 J.4N WM SUPERCENTER CARLISLE P.4 7.31 10 17 JAN 0232 SHEETZ 00002329 MT HOLLY SPRG P.4 28.11 At your service This account's Non-Introductory Rates as of 12/20/05 aze: purchase A.P.R = 11.6596V, cash To call Customu Relations or to report a lost or nolen card: advance A.P.R = 22.5546V and special transfer A.P.R = 11.6596V. if the A.P.R is followed 1-$QQ-955_7Q7Q by'V," then your corresponding A.P.R is a vaziable race. Smd payments to: Send inquiria to: Attn: Ranitmnee Procesvng Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, UT 84130-0285 Fttlance Chazges Please nee reverre ride jar important injormation ~ Bd rafr Prrioolir Corr` ~drng ~Q~~' m N app!vd[o rot A Hl(lih ~ PURCHASES f3,438.06 .033294~P 12.15% (35.48 CASH 3.00 .063LSMiP 23.05% 5.00 SPECIAL TRANSFERS 1157.05 .0332991rP 12.15% 11.62 ANNUAL PERCENTAGE RATE applied this period 12.1596 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4862362467011626 19 3579680104000107001 New Balance 53,579.68 Minimum Amount Due 5107.00 Payment Due Date February 18, 2006 Total enclosed E Account Number: 4862-36246701-1626 Capital One Bank P.O. Box 790216 ~~~ur~~nu~u~~t~n~ St. Louis, MO 63179-0216 ~t~~nn~~uu~~~ut~~r~u~~uur~t~ur~~t~~um~~t~~u~u~r~ P! rPr"*t mailing addrrsr arses a-nail dnmgrr br1<w urtrsgblw orblark ink 3rreet Apc t Cfry Suu ZIP Home Phone Alremau Phone ~ #9002086750064465# MAIL ID NUMBER JUSTIN G WEARY r PO HOX 96 _ MOUNT HOLLY SPRINGS PA 17b65-0096 ° ~ ~m~~~m~~~un~~nt~r~t~~ru~~m~r~m~~u~r~ut~~um~~~ r Please unite your aeeount number on yore check or money order made payable to Capital Gne Bank and mail in the enelared emvelofc. A few minutes of your time could be worth up to $400* or more. Call (800} 993-5062 today to see how much you could save! (Please mention Promotion Code 8833232285) or ~Isit ww-w.GetMyCarQuoteNow.com. ...................................................................................................................................................................................................................................................... 'Savings amoums are based an {reurance premium infomation provitletl M' purchasers D1 irnurance Caplgl One does not Provide, entlorse, or guarantee rely mird-party product or service shown here. Through a similar program, from 2/3/2004 to 11/11/2004, pieced M' the licensed agents of InsLOgic INSURANCE PRODUCTS ARE NOT DEPOSITS, OR OTHER OBLIGATIONS OF, OR Corporation ('IrtsLOgic'~, an a/Niate of Capital One Bank, Capital One, F.S.B., end Capital One GUARANTEED BY CAPITAL ONE; THEY ARE NOl" INSURED BY THE FDIC. ANY FEDERAL Flrarxfal Cwpnrafion (ralectively.'Capltal One'. GOVERNMENT AGENCY OR CAPITAL ONE. Vaur tledslon ro purchase Insumncs antl yoiu choice Gepild One Insurance Services entl of an inwror or agem will have ro eMed on your aligiDiWty for any Capital One product or service. Capital One Auto Irraurance ere brought to you by Capital One Insurance Agenry ("COIA', an aNllate d Capital One. COIA Is a Ikareed Insurance agency arld provides ell adwmeaon regartYng avaiable insurance products. Insurerlce products are provitled try ®2006 Capital One Services, Inc. Caphal One is a teclerelly registered service mark. non-aXiliated insurance Ixxn All rights reserved. participeDrrg ponies. Applicants are indlvitludty intlervzritten and noT all applkaMS wNl qualify fro Insureroe. Not ell instuartce popsies and product features ere available In ell states: this Ls not an offer or sdicifdion in any juriedCNOn in which Ya policies w product lectures are ~'~`~,-, ^. insurance set V ices nw approvetl for sale. ~`a till(: 8 O m ~ri ro~ ppee ode rate. TO obtain the average daily balance for the hillirg pedod covered by this ateiement, we take the 6eginrxrg balance of each segnrni each day, add any new transecfiwn 10 sorb segment, end abtraw enY peymenta or cradle, pt the code N appeam m the from of this statemem next to 'Balance Rate Applied 70,' we also abtrect any trpaid firerroe charge included in the balance of each se Um.) TNa gives ce the daNy halaroe of each segnent. Then, vve add rq all the d~~lyy balances for each segment to the blling pedod and dNde by de total raanber of days in the billing pedod. TNa gives us the average daily balance of earn segnent. 3. Araaml Parwieips Rotas fAPit6 a. The term 'Annual Percentage Rate' may appear as APR' on the front of this atatament. b. If the code P (Pdme), L (3-mo. LIBOR), C (Cettificate of Deposit), or S lBankcard Pdme) appears on the from of tNs statrmmm non to the pedodc totals), the pedodc rates and certespondng ANNUAL PERCEMAGE RATES may vary quenedy and may increase or decrease based an the caned indices, as fentl in The Wa/f Stree7 Joruza/, plus the margin pp etianly datlosed to you. These rhonges will be eHeNve on the fimt day of your tilling pedod Oovered by Your pedadk statement erxsng in the months January, Apol, Jdy end October. c. If the code D IPdmel, F It-mo. LIBOR) or G (3-mo. LIBOR Repdcod Montbly) appears on the front of your staamem ren to the pedodc retels), the pedodc rates end cerrcapondirq ANNUAL PERCENTAGE RATES may vary mmtNy and may increase or decrease based an the stated indcea, es frond in The We!/ Szraet Journal, quo the margin pmviously dadased to you. Tfeae changes will be effective an the first day of your billing pedod eatlt month. 4. Assassnrslt of late, Ovarfirr! arrd Rabantl f+rymsrlt Fro. Vaur acrrotm will be assessed no mom than two of the tees Iistetl note that occur dating any bilNrg pedod. Under the terms of your customer ag ment, we reserve the dgt,t to waive or not to aaseas any fees without priot nwificetim fo you without waiving OUr tight t0 assess the same O! similar tees at a later time. 6.tRarrawttg Vav AaaaM- If a membeshp fee eppeare m the from of this wetemem, you have 30 days from the date tNs statement was mailed to you to void payirq tie fee or to have such fee credited to you if you cancel your aceotm. Dudrp tNa pedod, you may cominue to the your accaan without having to pay the membership tee. To caned your accent, you mrnt notify us by callirq our Customer Rolnima Department and pay your 'New Balance' in idl (exdudirg the membershp fee) Pdor to the end of the WnY-daV pedod. 6. 1} Vau l]Daa You Aooorsrt. VOU can request to dose your accwm by calling our Customer Relettore Department. you must destroy your credit cordial and account access checks, caned all preatnMdzed billing, end c u ing your eccornt. If yoD do not caned preauthodzed tilling arrangements, vve will cartdder recdpt of a darpe Vour aurhodzation to reopen yyesw accent. Additionally, your eceent will not be cloaerd until you pay all amounts yes ovve us iroludirq: any transawiaa you have amfedzed, finance charges, past due fees, ovenimit fees, resumed payment fees, cash advance tees and any other fees assessetl to your accent. You are responsible for these amouna wfiether they appear an your account at the time you requew to close the accotm or they ere Incurred strbsegtrent to your requen to close the aceoum. This may esdt in charges appe9dng on your eccernl abet Vw have your accoutt if it has already been dosed. For example. if you ernhodzed a purchase from a mar pant and we receive die treraacdm Iran tho mordant char your accent Yes hcen dosed, your accent wNl De moptnod, tie amotnt of the derye will be added to yore Desert[, and yyoouu will be msponsible for paymern. If there is e merrberdip fee for your accent, the fee will conttirwre ro be darpad, to the extent pemtitted by law, email the aceesa ba once las been paid in fuN as deflrod above. 7. UaYq Vov A¢oourt.Vaur card or account cmxat be teed In coratectlan wkh any in[emet gemblirg vareactlare. 8. Flsdoa Abell F]aWmb CMak Cawarsiarr. Wren you pmNde a deck as payment, you euthodze re tither to Ina information from your deck to make a orre-time dectroric ftad trarefar free your bank accent or m process the paymern as a deck trraaectian. When wr Ina information from your dedt ro makD en dedretiC ftan trerefer, tads may be withdrewn from your bank accem as soon as tiro same day vve receive your payment, and ye, will rot receive your crack back mom your frandal iradMion. BIWNG RIGHTS SUMMARY Ira Case Of Errom Or Guestiore Abotn Vour eilq 1/ you think your blll is wrong, or if you need mare information w a rrareawien or bNl, wdtc Io us m a separate sheet as soon as posside al the address for inquides shown on the hoot of this statement. Wo must hear from you ro iota Men 00 days alter we son yaU the first hill on vvtich the error or probem appeared. VOU can Cell OUr GusrDm¢r RdatlDna rMarlber, DUI doing 90 wiN rot preserve your tlgMs. bt your letter, giro rn the fdlovving infomtation: your name end accotrm rnmber, the ddMr amen[ of the suspected ertor, a desedptian of tie ertor and an explanation, if possible, of why you bdieve there is n error; or It you reed more Intormarian, a descdption of the hem you are unsure oboe. you do not have to pay any amount In gtrrs[lon while wa are Investlgarirg it, htn you re atilt obligated to pay the pane of your hNl that are rot In question. WNI we Investigate your queatlan, t report you as ddinprent or take any avian to cdlect the amour you queatian. 3,t Spedal FAIe fvr Crallt Card Purchases If you have a proNem with the quality of property or seMces Met you purdased vWM a credt cam and you have Idea in good faits to cortect the problem with the merchant, ynw maY have the d¢n rot to paV the remelting amoum due on the pr ny or services. Vou have this protewion ody vfien the purdmx pace roes more flan 560,00 and the Wrdase was made in your bane state or vhthin 100 miles of your mailing address. (If vve oven or operate the merchem, or if we mailed yoD the advertiaemem for the properly or seMces, all purdases are covered regerdeas of amount or location of purchase.) Please remenber to sign all correspondence. t Does not •OPN to consumer non-credit cord occounts I DOes rot erppty to business ron-credit cots accounts One alyporta information pdvacy protection: sea our at vrvvw.capptelane.com. One is a faderelly re~ stared service mark of Caphal meal Corporation. All dgms reserved. 0 01~GLBAK 1. Fbw To Avid A FNwrae Charge. t a. (iraoa Ptiad. You will have a midmun grace pedod of 25 rya althea finance charge on now purtlases, raw balerce verefen, row apedel purdases and row other drergs if you pay your teal 'New Belanco', in axordoroe with the Importarn Notice for peymerns Odow, and in time for h to be cmdted by your ron statement dosing dote. Them is ro grace pedod on rash edvarrces and spatial trerefere. In add[lon, them is ro gace pedod m any treraectlan if yes do rot pay the total 'Flew bnlaroe." b. Aaatirg Finawa Chaga. Trartsactlare watldr are not abject ro a grace period a asaeased flrence drarge 11 from the date of tla rreraectlon or 2) from the date tM traraectlon is processed to yet Arent or 3) from the firs[ celerdar day of the artem billing ppe¢dod. Addtiwally, if you dd rot pay the 'New Balance' lrarrl the Proviaus billing pedod in fill, finance tlarges randntze to accrue to your lalpald balance IsMI the tspaid balance i9 paid In fdl. THa meare that you mayy wiY owe fMnce dirges, even if YW PaY the entire New Bdanco kndr:ated on the front of your s[wemwu try the non aratement dosirq date, but dd rot do so for the prevktn month. Urpakl flrertce dtarges added ro the apgMable sepnertt of yotr Aa:ent. t c. NAttnun Ffntrroa Chrga. For each bllNng pedod that your ecootan is ab(ec[ [o a finance large, a midmun total FlNANCE t']WRGE of 50.60 will De imposed. If the total flrence Urarge realtirg from the apPli tlan of your pedodc rwe(sl is less don 80.50, we vnN stbtrew thw amova from the 80.50 mktimtm and the dffererrce will be bNled to the purdaaa aagner~t of yotr accent, t d. Tarrporary fladuwion in Fitarwa pvga We maerw: the ro not assess any or dl finance tlarges for any given n' lirg pedod. 2. Avraya Dady Balanw IYroiudrg Naw PrrWaanl. a. Rrence charge is calalated by mddplying the daily balance of sad[ sagnern of your assert[ (e.g., cash dvance, purdase, spatial trare(er, end spatial purdase) by the wrn;spadrg dally pedodc rate(s) lief has beer[ prevWtdy dadoaed to You. At the end of Deck dsyy rwdng the dNirg pedod, we apply the deYy pedodc rate b eadr aepnern of your accent to the mrlY bdance of aedr sepnerrc. Then w the end of the Nlrg pedod, we add tp [fa fesdu Of tla90 daNy celaYetlare [0 BrtIVe n ywr podeic firenoe charge for eats sepnrnt. WD add tP the motto from mar segnant ro amve w tla twat pedodc firence tlarge for yet aceant. To get the daily Dalance for eadr segnrax of your secant, we eke tie beginfirq balance fro eetlr segnerc and add arty new trereacdare and any pedodc finance charge calcWated m the pmvious days balance for that segnorn. We then abtroct any paymema w crodta posted es of that tley dot em allocetetl to clot segnent. TNa gives re the aeparwe logy bdance for eah segment of ye,r assert[. However, if yes ppaaid are New Belertce shoves[ on your pmNous srotemerx in fill (or if your raw balance was zem or a cmdt amenq, raw trereawiore wNdt pow ro your purdase or spedd purdase segnero am not added to the daily balances. We ralcJete the average daily balance by addrp ell the daily bdar>ces togetler era dvidrq Me can by de radar of the days kr the tauten[ biYiq cycle. To celaYa[e your twat firerne dirge, mtitigy Vour everege daNV bdwtce by the daily pedodc rate entl by the ember of days in the hilNrg pedod. Due tD realdrg on a logy bags, [fare may ba e spght vddance between ttYa raleiatlm and the emotnt of flrartce dirge awnaYy assessed. b. If the code Z or N appeam m the hoot of tMs watemem neat to 'Belen¢e Rate Applied To,' we mJtiply [he Irrpwtad Notlw: Paymema you mall to In will Oe credtetl to your accoun as of the butrkess day we receive h, proNtletl (l) you send the bottom portion of life atatemem antl your deck in Me erxiosetl remittance envelope and 11) your paymem Is recelvetl in our proceaskq carter Dy 3 p.m. LT 112 noon PT). Please allow at least five (5) business days for postal tldivery. Paymerha mcdved by us at any other location or m any other font may not be ceditetl as of the de wo restive them. Our business days are Monday though Saturday, exdudng hdidays. Please do not use sepias, Paper dips etc. vNan pryraring Your paymem. When YW eertd ua a check(s), you audedze w to make aorta-time dectroric trarafer debit iron ywr bank accotm for Ma amotm of the check TNa audadzetian apglea to aN decks recavetl dudrp the billing cycle even it sent by sameene dse. If we comet process Me transfer, you atnhodze us to make a charge against your bank accenn uairq the check, a paper dreh or otter hem. Date Expires o2/z8/zoo6 112/x[} 68.677/5zo 07354-02 zoi7oo S Dollars Parchase Check CapifafQ~• Richmond, VA Cardholder Memo Signature II^ii24411' i:O5iOO6778t:8652467Oii6261~' C,apjtaJ~e~ Resolution #s for Zoo6: Simplify your finances Dear JUSTIN G WEARY, Page 2 of 2 No transaction fee! If you're like most of us, you make New Year's resolutions. You get busy. You lose track of time. Soon you've forgotten all about them. SimpUfy with your current purchase APR What better way to start the new year than with fewer monthly payments and less interest to pay? When you use these Purchase Checks* to The same APR you have on consolidate higher-rate holiday bills, you could reduce the number purchases of bills you pay. That means more time to do what you enjoy. And with the same APR you have on purchases, you could save money. Fewer bills, fewer hassles Take some time now and pay your other bills. Put them in your mailbox and don't look back. Or transfer balances by calling i-877-476.7939. Then reward $o Fraud Liability if your yourself for achieving Resolution #i-that's what the check made out to you is for. checks are lost or stolen Happy New Year to you and yours, ~AtNi~ P. TaylorJamison Call s-877-476-7939 to trans- Director of Accounts fer balances today P.S. Use these checks just like your checking account checks. There's no transaction fee. But your checks expire o2/i8/zoo6, so use them soon. *Please see the reverse for terms and conditions related to using these checks. M zonoo zi245 68.677/5zo 07354-oz zoi7oo S Dollars ~,p~V/lei Richmond, VA Memo Aurchase Check Cardholder I~'ii24511' t:O5LOO6778t:8652467Oii626i~' JUSTIN G WEARY PO BOX 96 MOUNTHOLLY SPRINGS PA z7o65•0096 Date JUSTIN G WEARY Po Box ys MOUNT HOLLY SPRINGS PA 17065-0096 v m C z 0 of D y y m =t m om m N m p D O 't ; Z 9 a Zo ~ ~a D N ~ r ~ O z = m 1 m m r c O ~ ~ F u z -~ p C = m rn N ~ m n r n m Answers to frequently asked questions Purchase Checks - Great value w)thout the hassles! o Q What annual percentage rate will apply when I use my Purchase Checks? ~ A: You will receive the same APR you currently enjoy on purchases. ~ Q: What can I use my Purchase Checks for? A: You can use your Purchase Checks for almost anything -whether you're paying holiday bills, making a major home ~ improvement or depositing it into your checking account. Another way to take advantage of your Purchase Checks is to ~ consolidate debt. Q: Why would 1 want to use my Purchase Checks to consolidate debt? ~ A: First of all, you could save money by transferring higher-interest-rate balances from other credit cards (except Capital One ~ cards) and loans. Secondly, by consolidating debt, you could have fewer payments to make for greater ease and conve- nience. You can simplify your finances and get the new year off to a good start! Q: How are my Purchase Checks biped to my account? A: Your Purchase Check amounts will appear as purchases on your statement. And with both your card and check purchases ~ together on one statement, it will be even easier to track your spending and manage your budget. Q: Where are Purchase Checks accepted? A: Purchase Checks are accepted whereveryou'd normally use your regular personal checks. You rtn even use them at ~ places that don't accept credit cards. ~ Q: Is there a transaction fee? ~ A: There is no transaction fee for using Purchase Checks to access your Capital One account. ~ Q: Will my Purchase Checks ever expire? ~ A: Yes, the expiration date is printed at the top of each Purchase Check. So use them now! ~_ * The attached checks will be treazed as pwchases according co the terms of your Customer Agreement and any amendments to it but may not qualify For any reward programs. Please be sure that the total of your checks, transactions, and any other fees dots not exceed your available aedit line. These checks azc subject to credit availability, so you must have the available credit on [he day Capita] One processes your check- Check acceptance is also subject to the current status of your account, and the check may not be processed or may be processed ar a higher default tau if your account is restricted in any way, past due, or in collections at the tame it is processed. If the uedit is unavailable or yotu au ount is not current as stated, your check will be returned unpaid and you may be assessed a 1<etumed Check Fee. These checks cannot be used to pay down or pay off any Capital One account. Cashing these checks will qualify as ruing your account. If you have an authorized user on your account, an authorized user cannot request a transfer and cannot use aaount o checks. All other acount terms and conditiotu remain in full force and effect. mE on n ©2006 Capital One Services, inc. Capital Otte is a jederoily registered service mark A!l rights reserved. a m m m 9 m 0 m O A m 2 D Z (-/ D r Z N 1 O z c rn m ' • 003 Now wilh FREE Accelerator peoplEJpeT~ online • for the first 12 months'-a f60 value ~ Abetter way to Internet. * PeoplePC Online offers all the features you ~ ~~ would expect 6rom higher-Priced Internet ~ ~ ~ Service Providers, including: - ® Virus Protection powered by symamaorM a month for rrsf 3 monma; ® Pop-Up Blockerr"' Es.9ri/mo. thereafter `~ 5pam Controls SIGN UP TODAY? ® Smarter Smart Dialer Technology ' 1-~~~-58~-9669 ~ L~ More I=mail Addresses Mention Offer Code: PEARL Or visit www.peoplepc.comJgolpearl ®~ Interntt Call Waiting Caplt~ /~/g' PLATINUM VISA ACCOUNT JAN 20 -FEB 19, 2006 4862-3624-6701-1626 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance E3,579.68 1 18 FEB CAPITAL ONE ONLINE ACH PAYMENT E107.00- Payments, Credits and Adjustments E107.00 Transactions 5347.04 Transactions Finance Charges E38.90 2 19 JAN WM SUPERCENTER CARLISLE PA 511.52 New Balance E3,858.62 3 19 JAN JW MUSK CARLISLE PA 9.49 Minimum Amount Due E115.00 q 20 JAN KM.4RT ODU77461 CARLISLE PA 16.95 Payment Due Date Mazch 18, 2006 S 22 JAN WM SUPERCENTER CARLISLE P.4 28.06 Total Credit Line E4 ~ 6 23 J.4N KOHLS ;tl0188 CARLISLE PA 24.30 Total Available Credit #.00 7 23 JAN WAL-MART #2574 CARLISLE PA 6.86 Credit Line for Cash E4,000 8 25 JAN WM SUPERCENTER CARLISLE PA 9.62 Available Credit for Cash ;,00 9 26 JAN WM SUPERCENTER CARLISLE PA 16.52 10 26 JAN QUALITY CARE PH.4RM.4CY CARLISLE PA 6.95 At your service 1l 30 JAN LUBE N CO CARLISLE P.4 24.33 12 31 JAN TACO BELL #1 7000 1 7 0 16 7 CARLISE PA 5.93 To cell Ctutomer Relations or to report a lost or stolen card: 13 31 JAN WM SUPERCENTER CARLISLE PA 19.Ti 1-800-955-7070 14 31 JAN KM.4RT 00077461 CARLISLE P.4 4.76 15 07 FEB STAPLES #1239 GETTYSBURG PA 6.10 Send payment: to: Scnd inquiries to: 16 16 FEB ROB MAY/MElER & FRANK LAKEWOOD CA 155.88 Attn: Remittance Processing Capital One Bank Capiral ~< HELPFUL PAYMENT HINT: We understand that maki onl the minimum ment ma be the P.O. Box 790216 P.O. Box 30285 n$ Y PaY Y St. Louts, MO G3179-011G SLC, UT 84130-0285 best choice for you. However, you'll pay less interest and repay yow balance sooner if you pay more than the minimum whenever possible. To explore the impact of making different payments, visit www.capitalone.com/calculator. As a valued Capital One customer, you aze eligible to receive a hee Year-End Summary for [his specific account that recaps yow 2005 chazges, provided yow account is in good smnding and you have made transtttions dwing the calendaz yeaz. Please go to www.capitalone.com and access yow account to request yow Yeaz-End Summary online or call 1-877-794-4487 before Mwdr 31, 2006, to reserve yow copy. Orders will be mailed out by the end of April 2006. Finance Charges Please ree reverJeJidefor important information Bdanre rate Prrusdu Carre~dng ~rf,~v~~ applLdfi rare dPB l;tiAH1l(( PURCHASES E3,G79.G7 .03329%P ]1.15% E37.97 CASH 5.00 .OG315%P 23.05% 5.00 SPECIAL. TRANSFERS E89.8G .03319%P 12.15% E.93 ANNUAL PERCENTAGE RATE applied this period 12.1595 PLEASE RETURN PORTION BELOW WITH PAYMENT Capfra 0000000 0 4862362467011626 19 3858620107000115006 P/easepr;rrtmailingaddrrma>rdwrma~irharrgrrbei mixgti! or>iukink New Balance 53,858.62 Minimum Amount Due 5115.00 S~r«r Apc ~ Payment Due Date Mazch 18, 2006 City Suu ZIP Totalendosed E HomePtwne Alurna~.ePhove Account Number: 4862-3624-6701-1626 a Capital One Bank P.O. Box 790216 ~~~m~~ut~nt~~m~ St. Louis, MO 63179-0216 ~r~~uu~~un~~~m~~r~u~~uut~i~nr~~r~~uru~~r~~n~u~r Please vrriteyorn account numbs on yore #9005086750064482# MAIL ID NUMBER ~ JUSTIN G WEARY PO BOX 96 ~ ~ MOUNT HOLLY SPRINGS PA 17065-0096 ~ ~ ° L ~ut~~~nr~~~un~~ui~r~r~~ut~~ut~t~ur~~n~i~m~~uur~~~ check w money order madepayable to Capital One Bank and mail in the enrlared envelope. peoplepcra online ~ Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY: 1-888-587-9669 Mention Offer Code: PEARL Or visit www.peoplepc.com/go/pearl PeopiePC is solely responsible for this offer, and'IS not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated whh, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. Afl rights reserved. By responding to this oNa, you may be communicating information about yourself to the company that provides this product -for example, that you are a Captal One customer. 'PeoplePG Online: First 3 momhs era billed at $4.91 pw month; $9.95 per month thereafter. Offer available to new dial-up substxibers at least 18 years d age and may not be redeemed with any other offer. ONer subject to change et any time. Phone technical support available for $1.95 per minute. tACCelerator a free For 12 months. Offer goad for limited time. After the first 12 momhs, the Accelerated service will automatically revert to the standard PeoplePC Online service. Offer subject to change at anytime. With PeoplePC Online Accelerated, certain Web page text and graphics will load faster when compared to standard dial-up Inferrer service. Actual results may very. PeoplePC Online Acceleated is only compatible with PeoplePC Online Intemel service and spedfled WirdowsCe browsers. PeodePC Onine Accelerated is not com(~atiDle with Windows® 95 with IE 5.5 SP2. Service not available in ell areas. Access fees, taxes, and other fees and reslripions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for detertnining whirtha a call to one of our access numbers will rewk in telephone IoN charges. Access may be limted, espedally during times of peak usage. Dial-up nurr~ers may he changed M PeoplePC's discretion. Continuous use cabled to umlaut procedures. N use is subject to PeoplePG ONine's Services Agreement and Pasptable Use Policy. 56K is the maximum sllee(I of service; actual speed may vary. ® 2006 PeoplePC Inc. All flights Reserved. PeoplePC Online end ds lagtts are lademarks d PeoplePC in the U.S. and oMar countries. ® 2006 Capital One Services, Inc. Capdal One is a federelly registered service mark. All rghis reserved. 8 O I O ~~ ppeenodc rata. To obtain the average daily balnrec for the hiNirg period covered bV this atetemem, we take the begmrq belarfce of each sepnern each day, add any rxw iranaaCUafa 10 CBCh eegnmt, ant alMroct any payllfeMB or credits. Ili the code N appears m the iron of this srotemem next to "Balance Rete Applied To," w+e also sllnrom any urpeid finance charge included in the balance of each ae~nant.) TNe gives us the daily balance of each segneM. Then, we add up all the dally balances for rash aegnem for the NNing period and dvide by tM taml rxanber of days In the bgling period. This gives us the ' fie dally balance of eatlf segment. 3. Amd Peraerlags Rates IAIMtI. a. The term 'Annual Percentage Rafe' may appear as "APR' m the frart of this statement. b. If the code P (Primal, L (3-mo. UBOR), C ICertifcete of Deposit), a S IBankcerd Prime) appears m the from of this staiemeM next to the periodc ratelsl, the periodc rates and mrrespondrg ANNUAL PERCEMAGE MTES may vary quenedy and may increase or decrease based m the stated irt6oea, es fond in The Wet! Street /oumel, plus the margn ppreviously dsdoaed to you. These rhorges w/N be eNective m the flrot daY of your NNirg period covered by your pedodc aatemem erfdrg in the mmtM Jawary, April, July and October. c. It the code D (Prima), F (1yno. LIBOR) or G (3-ma. LIBOR Repriced MmtNy) appearo m the frern of your alatemmt next to iM pedodc rate(s), the pedodc rates vend mm~~apond~ eNNUAL PERCENTAGE RATES may yincrease or decrease based m the stated indces, es Terri in The Wed Street Joumel, pre the margin PreNaWy dsCloaed to you. These charges will De effective m tM first day of your billing period each month. 4. Aswanfnrlt of Late, Ovarir[t rd Ralrarratl Paymrft Fees. Your account will be assessed re more than two of the fees listed hem that occur during any billing period. Urder tM terms of your customer agreement, we reserve the right to waive or rot to assess any fees witffotn prior ratification to you wltfaut waiting our right to assess the same ar similar fees et a later time. 5.tRerrwsq Yov Aocoutt. If a membershp fee appears m the front of tNa statement, you have 30 days from tM date tNs statement was mailed to you to avoid paying the fee or to have such tee credited to you if you caned your arrant. During this period, you may continue to use your secant witholn Mving to pay the membership fee. To motel ywr secant, yw must notify us by calling our Customer Relatims DepenmeM andnpay your -New Belence' in iWl lexdudirg tM hereND fee) prior to the end of the iMny-day period. 6. N Yw pose Vw Aaoaun. Yw ten ragma to dose yy cant by coiling car Customer Relatims Depanmmt. Yw must dearoy ywr credit card(s) antl eccomt access checks, cancel all pr tniarized billing, end cease usirfp ywr aerator. Ii ywedo not cancel prealtthorized filling artengements, we will cmaider receipt at a charge your autlarizatim to reopen ywr eccolfnt. Additionally, ywr account will not M closed until yw Pay all emotnta yw owe us ireludirg: any ironsediaq yw have alrthorixed, finance charges, past due fens, ovedimit fees, returned payment fees, cash advance fees and any other ices asxxxd fo your acmtnt. Vw are responsible for these smarms whether tMy appear m ywr BCLWM 81 th¢ time y0U rCgmaf t0 close the account or they ere Incurred altbaegltmt to y r retpfest to close tM account. TNs may It in charges appearing m your eccwm after yw Mve your acaxnt if it has already bean tlosed. for exnmplo, if you audarizod a purdase fran a merdam and we receive the transeaim from the mcrdan[ after your errant has been tlosed, you! accent will be nxgorad, the amwM of the charge will be added ro your accent, end you will be resporraiMe for payment. If them is a membership tee for your secant, tla feo will emtinm m be tlvrrged, to the extent pe ittw by law, until rho secant balance has been pad In fW as deflrfed above. 7. Uaig Yar Aeaanl.Vwr cord or accent cannot be used in corsaectlm with any interre[ gomMfrg [raneac[kxn. 8. Notice Abort Elnotrorrin Claeolt Conversion. WMn yw provde a check as payment, yw amMdze is dther to use infomretion from your deck to make a one-tlme tlectrorir. fled transfer free yes bank accent or to process ffa payment as a tlteck trereactim. When we use infonmmion from your clack to make an dearorfic find tronater, (utdil may be witfdrawn from ywr berlc accaatt as soon as the same day we receive you payment, and you will rat receive ywr tlfeck ba k from your financial irptitutim. BILLING RIGHTS SUMMARY (In Case 01 Errors Or Gmsdms Aban Vwr BIIO If yw think your bill la wrap, or Ii you reed more Inarmenm m a varfaectim or bill, wthe to ue m a separate sheet as soon es possible at the address for irxpiriea sixmn m the front of this atetemeM. We mum Mar ham you re later than 80 days after vve seen yw the first bill m vhich tife errs or pradem appeared. Vw can call our Customer Relations rxmber, hln doing so will not preserve ywr riprta. In yatr letter, give le tM idlowinp mfortnatian: ywr name and account number, tM ddlar amount of the suspected error, a deacriptim of the ertor and en ell retim, ii posside, of wfiy you believe there is an error; or it you raced more InfOlillatlm, a descriptim of the hem yal are ureurc about. Vw do rot Mve to pay any amolnt in queatlm wfiile vve are inveaigenng it, but you are stiN dNigaced to pay iM pans of your bill Mat arc not in question. While we investigate your question, we comet report you as ddirpuent or take any scrim to rotten fM amount you question. 1,t Spetlal RJe For Cradt Certl Purchases If yrw Mve a proNCm vAM tM gtfality o1 property or Mces that yw purchased vriM a credit card and yw Mve tried in goad fatM to cortoct tM problem with tM merchant, yw may Mve tM right rat fo pay tM remelting arrant due m tM pr ray or aeMCes. Yw have this protecfim oNV yvhen the purchase price was more than 550.00 and iM purchase was made in your home sine or witMn 100 miles of your mailing aridness. (If we own or operate tM merchant, or if we mailed yrw the edvertiaemem for the pr tty or seMOes, all purtlases e covered regerdess of amount or locatim of purchase.) Please remember to sign all mrresporderxe. t Does not eppty to consumer roncredd card eccormis i Dces rot eppty ro business oar-credit cero accounts One appons information privacy praeclim: see our reeg~fsterad aeMce mark of Capital All rights resarvetl. a 2003 01LGLBAK 1. How To Avid A Fifance Charge. t'a. trace Period. Vw will have a midmum grace period of 25 days wiMaa finerae clterge m new purdascs, row balance Lrerlnfefa, reW 9pedel purtlrases erd reW Ddar t3arges if you pay your rotal "New BSlerre', in accordance sviVt the Important Nonce for poymmts below, ant in time for h to be credted by your rex[ aatemeM dosirg date. There is ro green pedw m cash adveraes and spetlal trerefero. In addtlm, thore Is ro gram poriod any trereactim If you do not pay rite reel "New belarxx: b. Aamig FYrsfee Charge. Trareactiea whidf am ref super[ to a gram period am assessed flrerfce charge 1) fran the date of the tronsettim or 2) from tM date the trareaction is processed to your Accent or 3) from the first mlerxlor daY of the wrtem billing period. Addnaally, if you dal rot peV the 'New Belarxxe' from the Pmvian lilfirg podod in fill, finance tlteryes cooties to amrue to your upeid balance lmil llae lapaid belerfce is paid in full. This meare that you mayy atiN owe finance charges, even if yw pay the erdre New Balarae indented m the front of your statement by the text statement tloaing date, but did not tlo so for the prevbus month. Urpsld flnanm clargas are atlrlad to the a Ne aegneM of your Arrant. tc. Miiraan FMnw m . Ter each dllirg period that your eceam Is subJact to a lktaae riarge, a mirlmrm total FINANCE CHARGE of &0.60 will be impaaed. If rho total flnance dtarge resliUrq from the applicedan of your pedeic rete(sl is leas than 50.50, we wall abtrad Met arrant from the 50.50 mirimun end the dffererfm will be NNed to the plxdtese ssgnern of yar accent. td. Terrparary ReAwtion it F'nno~ Charya. We reserve Me 'file to rat assess any or all finance tlfergea for arty given biling pedal. 2. Aveya Daly Balance linokrdig Naw Nrehaaeal. a. Rrferee dfarge is mletated by mJtiplyirg the daily balance of astir segneM of your arrant (e.g., cosh dverfm, purdwe, spedal trerefer, and spetlal purcase) by tM mrresporxkfg daily padotk rate(s) that has been preWealy dsdosed a yw. At the end of eadt day during tM Nllirg period, we apply tM dely periods cote for mch seQnent of you oxen[ to the tlally bdarrx of eaclh segnem. Then et the end of tM billing period, vre add tp the reaps of Mesa daily mleietiore to arrive at your r~ealta ~finarx"e~ rge for eetlt segrtmt. We add l{l tM finance Ufa for~mt to solve at the total periods rye you arrant. To get the daily balance for eaM aeprtmt of ywr secant, vve take rite begimirg balance fa eaM segnmt and atld anyy new tronaactiorts and any periods finance daerge mlalated m the previan days balartce for that segment. We den atmroc[ any paymmta or credro postrd as of dot day fiat am allomtod to that aegnent. THs gees us the aeperete deity bderae for each segnmt of ywr arrant. However, If yw pekl da New Balance dawn m your preNaus aatemm[ to fill (or if ywr new balance was zero or a creel[ emanU, raw trareactiats vvlfitlt post to ywr prudase or spedN puMaase xpnents ere rot added ro the degV belarx:es. We mlcJate tM average daily belanae by addng all the daily belartcea tagetfar end dvidrg the am by the rxmber of the days in the wrrem biNkg cycle. To celalate your teal finarfce large, nxi[iply Your everoge logy belarre by the daily periafic rate ant by the nanber of days in tie bit' podorl. Due a ro[ndirg m a deity bees, frets may be ag aggM veriarae betwcen tits calelanm and tfa amars Of flrerfce Merge acnraMy assessed. b. Ii the code Z or N appears m Me irmt of MIs sratemem mxi a "Balance Rate Appged To; wa muhiply tM Irrportard Notion: Paymema you mail to us will De credted w ywr alxxxah as of the business day w+s receive h, provitled I1) yw serd the bottom portion of tMa aetemeM antl ywr clack in tM enclosed romittaree mvelape and 12) ywr payment Is receivetl in car procesalrg caner by 3 p.m. ET (12 ram PT). Please Below al least five 15) business Gaya for postal tleNvery. Pa}ments received by us at anY other locenm or In any other form may not bbee credtod ea of the day we rocelve Mem. Our bueinese days are Maxky Mrough Saturday, excludng hoNdays. Please do not use s[eplee, paper dips etc. yytlen prepedrg ywr paymem. When yw card us a rifer {sl, You autfarize ue to make a aa-eme electrmic trerfslor debit from ywr bank accelm Mr the amaan of the dceck ~TNs autladzatim appires to all checks recaved during the billing cycle even it sent by someone else. It we carrot process the dansfar, you eu[Mdze us to make a charge ageirmt ywr bank arrant uairg Me check, a paper draft or other item. ' Now with FREE Accelerator • • for the first 12 moocher-a s60 value ~` 9?~ ~~ a - a month For first 3 months; E9.95/mo. thereafter SIGN UP TODAY! ' 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.com/go/emerald Ci7J~/71 ~~i Account S Previous Balance E3,858.62 Payments, Credits and Adjtutttlents E115.00 Transactions E10.00 Finance Charges E36.06 New Balance 53,789.68 Minimum Amount Due E113.00 Payment Due Date April 19, 2006 Total Credit Line E4,000 Total Available Credit E.00 Credit Line for Cash E4,000 Available Credit for Cash E.00 At your service To call Cunomer Relations or to repon a lost or stolen nrd 1-800-955-7070 Send payments to: Send inquiries to: Attn: Remittance Procssing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 lmvortant Account Information Please review the enclosed privacy information and retain it with your account records. Also visit www.capitalone.com/creditcazdscrnd dick on the Visit the Guide co Benefits link to leazn about your latest Visa. or MasterCazd, account benefits. The descriptions in this online guide replace any information you received in the past For a printed copy of the Cuide to Benefits, call the Customer Relations number on the back of your cazd. PLATINUM VISA ACCOUNT 4862-3626-3071-7232 FEB 20 -MAR 1$ 2006 Page 1 of 1 Payments, Credits and Adjustments 1 18 M.4R Cap 1 EleetronicPhonePmt AuthDate 17-MAR E115.00- Transactions 18 M.4R PAY-BY-PHONE FEE E 10.00 As a valued Capital One customer we want you to know that your accovm number has changed. After you activate your new card, you will need to give your new account number to thou merchants with whom you have set up automatic billing. This will ensure that the payments you have arranged will continue to be billed directly to your Capita] One card, saving you time and money on postage. Once again, thank you for choosing Capita] One. Finance Charges Pltart ret rrunre tide fm important information ,~ B~ r.¢t Pe.iodv Care pmdnrg ~~~ _ appGedto rat APR th PURCHASES 53,843.68 .03329%P 12.15% 335.81 CASH 3.00 .06715%P 23.05% 3.00 SPECLAL TRANSFERS 524.82 .03329%P 12.15% 3.13 ANNUAL PERCENTAGE RATE applied this period 12.159'0 PLEASE RETURN PORTION BELOW WITH PAYMENT ~'~u°'~""t~ 0000000 0 4862362630717232 19 3789680115000113006 New Balance E3,789.68 Minimum Amount Dve E113.00 Payment Due Date .4pri1 19, 2006 Total enclosed E Account Number: 4862-3626-3071-7232 Plrarepnrztma~(rzgeddirua~ r-mnlirh~mgrsbeiavur:rzgblaeorbiark~rzk so-«r a.P~ x C'uy Sra~e ZIP Home Ptwne Alk[vrte Phone #9007835852124166# MAIL ZD NUMBER Capital One Bank ~ JUSTIN G WEARY P.O. Hox 790216 ~~~uun~~~~ut~t~u~ ~ ~ PO SOX 96 St. Louis, MO 63179-0216 .~+ MOUNT HOLLY SPRINGS PA 17065-0096 ti ~_ ~t~~un~~nu~~~m~~t~u~~uur~t~nt~~t~~ntn~~t~~u~u~i~ ° ~ ~ut~~~ui~~~uu~~nt~t~t~~tu~~m~t~nt~~n~t~ut~~nnt~~~ Please ¢urite your account number on your dick or money order made payable to CapifaJ One Bank and mail in the encl ued envelope. 003 peoplE;pc~~ on ine ~ Abetter way to Internet, PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Vrus Protection powered bysymantec*^+ Pop-Up BlockerT^" '~l Spam Controls ® tieai' Smarter Smart Dialer Technology ®~ More Email Addresses ~ Internet Call Waiting peoplepc~a online u Abetter way to Internet, UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-888-587- 9669 Mention Offer Code: EMERALD Or visit www.peoplepc.comlgo/emerald PeoplePC is sdely responsible for this offer, enc is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. A^Y tratlemerks mentioned ftemin am solaty owned by t^e respective entity. All dgMS reserved. By responding to this offal you may 6e communicating information about yourseH to the company That prrnides this product -for example, that you are a CapNal One customer. 'PeoplePC Online: First 3 rrwnths are billed at $4.97 per month; $9.95 per month ihereatter. Offer available to new dial-up subscnhers at least 18 years of xJe and may not he redeemed with any other offer. Offer suhjart to change at any time. Plana technical support evaNehle fa' $1.95 per mintRe. [Accelerator is free for 12 months. Offer good for limited tlme. After the first 12 months, the Accelerated service will automatically revert to Me standard PaoplePC Online service. DHef suhjeB to change at anytime. With PeoplePC Online Accelerated, certain Web page text and graphics will bed tester when compared to slandafd dial-up Internet service. Actual results may vary. PeoplePC Onllrre Accelerated h only compatible wkh PeoplePC OriFe fMarreT service and spaci8ed Windows® browsers. PrnplePC Online Acceksated is not rxxnpaHNe with Windows® 95 with IE 5.5 SP2. Service not avaibNe in all areas. Access fees, taxes, and other tees antl restrictions may apply. Telephone toll charges may apply, even dung trial periods. You am responsible fa determining whether a call to one of our access numbers will resuH in telephone tot charges. Access may 6e limited, especially duhng Hrties d peak usage. Dial-up numbers may be changed at PeoplePC's discretion. Cortdnuous use subject to Hmeaut procedtaes. All use is subject to PeoplePG Online's Services Agreemem and Acceptable Use Policy. 58I( Is the maximum speed of service; actual speed may vary. ® 2008 PeoplePC Inc. All Rights lieserved. Peo(dePC Online and hs logca ere trademarks d PeoplePC in the U.S. and other counMes. ® 2008 Capital One Services, Inc. Capha' One s a federally registered service mark. All rigMS reserved. 8 Og O'I ~~~ periodic rate. To obtain the average daily balance for the biairq Period covered by this statement, vve take the begirrxng balance of each aegmrxn each day, add any new trsnsectioro to each sepnrnt, aM stbtraa arty paymens ar credits. Ill the code N appears en the iron of tNs slaiemern rext to 'Oalence Rate Applied Te," we also stbtact any trpaid finarxx charge irtduded in Me balance of each segntem.l TNa gives txt the daily balance of each segment. TTten adtl up all the daily bamnces for mch segnrnt mr the billing period and dNde by the teal nun6er of tlays in the NINng period. TNs glues us the ge daily balance of each segnrnt. 3. Anwl Peraentage Retw IAf+RI. e. The term 'Amual Percentage Rate" may appear as APR" rn the front of this sretemrnt. b. If the code P IPrime), L 13-mo. LI80R1, C ICenificate of Deposit), or S IBankcard Prime) appears en the tram of this statemrt next to the periodc rate(s), the riodc rates end coneapondty ANNUAL PERCEMAGE RATES may Vary gltertedy end may increase or decrease based en the stated indces, orepfotM in The WeG Srreer T~ase~tltd~roaasuvll~ bye effrace~on m do a delay to~jrour NNE period mavreared by your periodic statemenn ertdng ry, April, JWy and October. c. If the code D (Prime), F (1-mo. LIBOR) ar G 13-mo. LIBOR Repdcod MentfNy) appaors en the from of your statemem next to the pedodc tats), da pedodc rates end cerrespondrtg ANNUAL PERCENTAGE RATES may very mentliy and may Increase or decrease based en the stated irvices, as faaxl in The Waf/ Street Joumel, plus the maryln previarsly dadoaed to you. Thece clterpes will be affective en the first day of your Nllirtg period eatlt month. 4. Asaaartwt M Later Overrnrit antl Rebaned PWntart Fees. Your accent will be assessed no more than two of trw ices listed tare that occur during any Nllirq period. Under the [arena of your cunaner egreemem, we reserve the right to waive or rat to assess any fees without prior notificatien to i ~ ~ thout1ew `I'mng our right to ossess the same or similar 6.i'Rerawitg Vonr Aocaat. If s membersNp fee appears en the front of this statement, you have 30 days from the date tNs statement was mailed to you to avoid paying the fee or to have such tee credited to you if you cancel your amount. During tfds period, you may continue to use your account withom having to pay the membership fee. To cancel your eceoum, you must notify us by calling our Customer Reletiena Department end pay your 'New Dalence" in fWl lextludng the membereNp fee) prior to the end of the tNny-0ay period. 8. If You Cbae Yotr Aeaotrd. You ten retswst to dose your account by calling our Custaner Relatlea Depanmem. Vw must destroy your credit card(s) end accotnt access checks, cancel all preeuthorizatl Nlling, aM cease uairtP your accent. If you do not cancel preautlwrized b11lrg arrergcmrnts, we will consider recdd of a charge your authorization to reopen your acoent. Additionally, your account will rat be closed until you pay all amounts you owe ua irtcludirg: any transactions you have autfwrized, finance Barges, past due fees, ovedimit tees, retuned paymem fees, cash advance tees and any other tees assessetl to your acoount. You are reapenade for these emamts whether [hey appear en your account et the time you request [o close the accent or They are Incurred subsequent to your nequeat to dose the account. TNa may road[ in charges appearing en your accent after you have your accent if it has already been dosed. For exemde, if you authorized a purdase from a merdam and we receive the trereamien from the merdam afar your accent has beat dosed, your eccera vrill be reoPenal, rho amouu of tfw Barge wiR be added to your eccant, and you will be reapeaiNe mr paymem. If dam is a membersfip fee mr your accent, [he foe will centirxte ro be tlatgod, [o the ex[om permittetl by law, rntN the teen[ balance has bran paid in (JI as deflrwd above. 7. tm~ed in axaec[bn with anainmmetcasn mmot be treraactkxa. y gamNing 8. floaoe Abort Eleavsrrio Cheek Ctawsrabn. When yw poNde a Back ea payment, you audwrixe us eider to infentetian from your lack to make Bone-rime dectrodc fund trerefer from yar bank account or to process tla peymtxrc es a Brock traraectien. When we use inmrmetion from yen dock to make an dtuxroric ftnd trerefer, bards may be wiNtlrewn from your bank 8(%wlalt a9 90en 89 the 98me day We femlVe yalr peynan[, and you will rot receive your deck back from yao rnarviel iradtuuen. BIWNG RIGHTS SUMMARY Iln Case Of Errors Or Oueadana A6an Vour Bilg Ii ywu tNnk your NII Is wrong, Y you need more informaden en a vereacden er bNl, wma to us en a xperste sheet as soon as posalNe at tfa adtlms for guides sltovvn en Uw front of this sletemrnt. We must hear from you no later than fi0 days after we sere you the first NII en vfiich the error a problem appeared. You ran call our Customer Rdatiena number, Nn ddrp so will rot Preserve your rigma. In ywr loner, pve ue the tdlowirg nfomtetien: your name aM secant norther, the Briton amotm of the suspected eROr, a descriptien of the anon antl an eoplanatien, if posaide, of why you bdievo [hew is an error; or ii y'ou rxwd more intormatlen, a descriptien o7 the Ran you are unaurc abort. Vw do cwt have to pay any amount In queatlm while we ere Investigating it, bra you c sllll obligated m pay the pons of your NII that ere rwl In question. WNIe we Invostigete your quesrien, we carrot report you as delinquent or take any actin to collect the amount you ,question. i,t Spetlal Rae For Credt Cartl Purchases If you have a problem with the quality ai property or seMces that you purchased with a creel[ cam and Ya have tried In good faith to mrteB the problem wlih the merchant, you may have the d¢n rot to pay the remalNng arrant due en the p nV or ceMcea. You have this protection enly when the putdase price was more then 350.00 and the purdase was made in your home sate or witNn 100 miles of your mailing address. Ilf we own or operate the merchant, or ii we mailed ye, tfw advenisemem for the property or seMCes, all purtltases am covered regardess o amount or (oration of purchase.) Please remember to sign all correspondence. I Does Ian [rpp/y 7o consumer Iron-crMir Gerd accounts i Does rot app/y ro business non-cr[Nit ceM eccounrs One arpporta intortnadon privacy protection: sae our at www.cappulone.com. Ono is a fetlerally ra ''stared service mark of Capital andal Corporation. All rigms reserved. ~ 2003 Ta. areas Priotl. you will trove a mirNmtm 9rece periai of 25 days witltout firence Barge en crew protheses, new babnce treramre, new special ptrdases and new other tlarges if you pay your total "New Balarwe', kt aCCefdartce wim rite krportam faotim far peymems blow, aM in [kne for it [o be creditod by your next statement tlosing dare. Them is ro gram period co cash odvarwes end spedal treramrs. In addtbn, dam is ro grace enY trenaec[Ien If you do rot pnY rive total 'Newer balance." b. Aomiq Finrttoe Charge. Treraectlene which are cwt st6ject to a gram period are essessetl Poartce drerga 1) from the date of the trsraactlan or 2) from [he dale tfte trareaction is processed to your Arrant a 3) fran the first slender day of the current bNlinp period. Adddeally, 'f you did rot pay the 'New Beorrce front[ the Previaa billing period in fill, firarxx: charges contiraa to amrue [o yes unpab 6alartm ttndl the ttrgeitl bemrwe is peitl in fWl. TNa meare that you mayy adN ovre fiance dterges, even if Yet pay the entire New Balance it6cated en tla from of your smtemem by the raft am[ement tloairtg date, brtt rid not do ¢o for the preNa® month. Unpaid flrarce Barges re added m rho apppraNe segnent of yorr 0.n;etnt. -r c. Firrknssn FFaae Bongo. For each bNgng period chat your atxwratt is at6jttct to a Mantra large, a mlNmun [oral RNa.NCE CFLD.RGE of 50.50 wMl be Impoced. If the total flronce tlmrye reattkq from the eppliratbn of you periodic rate(s) is leas tlan 30.50, we will aibtmc[ riot amain from tfa 50.50 mirirao,s and the dfferertce will be billed m tfa purdmse sepram of yen arxwtax. 'r d. Testpaary RedMisrt In Fnanos Clttrps. We reserve the d~tt ro not assess any or ell finswe chergea fir any even billing period. 2. Awaga DaAy BtNnoe fktokaNrtg Now f+nrahaaeal. a. Rnartce charge is caleinetl 6y mtlndYin9 the daily balance of each aegnem of your atxxxm (e.g., cash advance, purriace, specal traramr, end specal purdxase) DY the corteapordng daily periotfic rate(s) Bat tors beat prevoitsly dsdoaed [o you. A[ the end of sack day during tfw Nlling periaf, we apply rho deay pedodc rate or each sepnrn[ of your ocean[ to the dilly bNartre of eadt sepnem. Then at the end of the NNtrtg period, vve add [p [he nsrlts of Base daily talalatlare to emve m your periodc finance Barge mr each sepnem. Wo add w the reaps from sad[ aegnent to arrive at rite total periodc firtertee Barge to yar aocetnt. 7o get rho daily balance balance for~m~dtt of Vour atxxxott, we mks the begkning and an riodc fsa~itce tla add any rew [mreacdea data byalartce for that rge ralNe[ed en the previorts segnant. We then stbtrem any peymams or crests posted as of riot day that am allocated [o that wgnem. TNa glues u rite xpare[e daily belartce mr estlt aegneru of your accent. However, if ye, d the Nave Bolertce shown on yar provlas satenwnt in full (or if your new balantco wee zero or a credt eman0, rew [rartsectiore vfiich post [o your purchase or apedal pulr~ ce ~ erns am not added ro the ddN belartrxs. We belertces t ra0e daily belartce by adding all ttte daily the days in~tltet~wrrtxtt N~dn° ~ st'It ~ ~ camber of firortce der Nng cycle. To ceWtlate yore rota) dsgy periods rate acrd by tl~ie raanbgear of dyays in the t~lNrg pedal. Due ro raatdrtg en a daily basis, stare may be e sY¢tt variertce hetweat Wa celctaetim and the arrant of firartm Berge actueNy essesaetl. b. If the case Z a N appeam on [he ham of rtJs smtement nett m'Balence Ra[e Applied To,' we mdtldy the Irrputarrt Notlw: Paymems you melt to us will be credi[etl to your accost ea of the busirasa day vve receive It, provided 11) you serttl the bottom portion of tNa satemem end your Back M the endoaed remittance envelope aM I2) your Peymrnt Is receivetl in our ocesskg center by 3 p.m. ET (12 noon Pn. Please allow at least flue 15) business tlays for postal delivery. Paymeme received by u at any other bcaaen or m any other form may nor be credited as of the dey vva receive them. Our buairrecs days are Monday throtn¢t Saturday, exdudrg hdidays. Please do no[ use sudea, paper ripe etc. warn preparing your payment. When yw eaM ua a deckle), you authorize ua to make a one-tine electronic trarmter debit from your bank amarn for the amartt of the check ~TNs autMrizatien apolea to aN clacks receved during the billing eyrie evrn if sera by sanatxa else. If wa carrot process the tranatar, you authorize us to make a charge egainat your bank acmtnt using the check a paper draft or other r[an. r-------------------------------------------------------------- I ------------------------------003 ~ , , Show Mom your lave ! , Special savings for Capital One° Cardholders! I * on your next purchase when you use Promotion Code CAP66 , Save (See reverse for details) Save this code! Offer good all year long! ~ , , , , Remember: Mother's Day is Sunday, May 14tH , ~/ i-800-flowers~fcomrr, Call 1-800-FLOWERS" (1-800-356-9377) or Click www.1800flowers.com today! Your florist of choice_ L-------'------------------------------------------------------------------------------------------'~ ~~.I~MU mP PLATINUM VISA ACCOUNT 4862-3626-3071-7232 Accotutt Summary Payments, Cedits and Adjustments MAR 20 -APR 19, 2006 Page 1 of 1 Previous Balance S3,7g9.6g 1 19 APR Cap 1 ElectronicPhonePmt AvthDate 19-APR f113.00- Payments, Credits and Adjustments 5113.00 Transactions E10.00 Transactions Finance Charges E40.08 2 19.4PR PAY-BY-PHONE FEE ES0.00 New Balance E3,726.76 Minimum Amount Due 5111.00 Paymen[ Due Date May 19, 2006 Total Credit Line E4,000 Total Available Credit 5.00 Credit Line for Cash E4,000 Available Credit for Cash 5.00 At yow service To call Customer Relations or to reporz a lost or stolen mrd: 1-800-955-7070 Send payments to: Send inquiries to: .Attn: Remittance Processing Capital One Sank Capital On< P.O. Box 790216 P.O. Box 30285 Sv Louis, MO 63179-021ti SLC, UT 84130-0285 f a 1'tnan Charges Pl<arereereverseridefmimportantinformatian Ba/ vm'r Pr,indir Car syondxg FINAN~~ .~pr dro .ter APR CHAjt PURCH ES f3,805.73 .03397%P 12.40% (40.08 CASH f.00 .063S496P 23.30% f.00 ANNU~rU., PERCENTAGE RATE applied this period 12.4090 • PLEASE RETURNPORTION BELOW WITH PAYMENT 0000000 0 462362630717232 19 3726760113000111006 Pharr prirst rsraiiirsg addrrrs arses/' a rmaii rlnmgrs In~lau uringtiiur ortiiark irsE New Balance (3.726.76 Minimum Amount Due E111.00 Payment Due Date May 19, 2006 Total enclosed ; Account Number: 4862-3626-3071-7232 Capital One Bank P.O. Box 790216 Illum,llull,l,lnl St. Louis, MO 63179-0216 LII,,,,IL„tllLnlhlulhnnLlt„IIJI,n,JIdl,d,tLl Street Apc 8 C;ty Suu ZIP r me Phone Altemaoe PMaa 0 Email Addcesa #9011035852124167# MAIL ID NUMBER ~ JUSTIN G WEARY ~ PO BOX 96 ~ MOUNT HOLLY SPRINGS PA 17'065-0096 ° ~ h,,III,t,llltntlln,Itl,IIn,IL„LhnIL,Idn,IL,n,lll Please Barite yoto account number on yarn dark m »raney order made payable to Capitm' One Bank and mail in the enclosed envelope. Get sweet savings on Mother's Day gifts for all the moms in your life ! 1-800-FLOWERS.COMW always promises you and all the moms you love: • Freshest flowers artistically designed • Personal service 24/7 for delivery same day, any day • 100% satisfaction and freshness guaranteed • The finest selection of flowers, plants, gift baskets, plush toys, gourmet foods and more • Gifts exclusively designed for 1-800-FLOWERS.COM°° by leading brands you trust. i-800-flowers~om,R Your florist of choice.. 8 O Om ~ I m~~ r NN Sa V ~ on your next purchase when e you use Promotion Code CAP66 Save this code! Offer good all year long! Call 1-800-FLOWERS®(1-800-356-9377) or Click www.1800flowers.comfoday! •Ezdusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery rules and times. Items can be ordered online and by phone only. Offers cannot be combined, may not be available on all products and are subject to restrictions, limitations and blackout periods. Offer valid through 12/31N6. Prices and charges are subject to change without notice. Void where prohibited. ~ 2006 Capital One Services, Inc Capital One is a federally registered service mark. Trademarks mentioned herein are solely owned by thee respective entity All rights reserved. 1-800-(LOWERS is solely respons+ble for this offer and iz not affiliated with Capital One. Capital One does not provide, endorse, or guarantee any product or service shown here. By responding to this offer, you maybe commumcating information about yourself to the company that provides this prop art-for example, tha* you are a Capital One G+stnmer ~) 2006 1-800-FLOWERS.COM, INC. ~1-800-FLOWERS.COMOa uses Secure Socket Layer(SSU encryption technology to secure ns webste. petiole rate. Ta obtain the average daily bolarae for the billing pedal covered by this matement, we take the heginrirg belence of each segment each day, add any new trensacdma to each sepnent, and sttmract any paymems or credta. 111 the node N appeaB on the horn of this stetemem next to "Balance Rate Applied To," we also atbtra« any upeid finance charge it faded in the balarce of eats aegm~nt) This gives ce the daily balance of each segmem. Then, we add tp all the daily balances for each segment for the tilling petiod and divide bV the final norther of days in the billing paled. TNa givoa to the aggee daily balance of each segment. 3. Naafi Proertage Raba IAPR6 e. The term 'Annual Percentage Rate" may appear as "APR' on the front of this rnatemem. b. If the code P IPlml, L (3-mo. LIBORI. C ICenificete of Deposit), or S IDenkcard Pdme) appeaB m the from of this 9letemem next to Me pelodic rotate), d+e pelodc rates and cortespondirg ANNUAL PERCENTAGE RATES may very quartaly end may irorease or decrease based an the stated indices, as sound in The Wed SVeet Journal, plus the margin pp viot®ly disdoaed to you. These Menges will be effectve an the flat deY of your billing pedal covered bV Vaa Pododic atatenrent endng In the months January, Apol, Jrly and October. c. If the code D (Pima), F (t-mo. LIBOR) or G 13-mo. LIBOR Replced MamNy) appeeB an the front of your statemem next to its pedodc Btels), its pedadc rates and correapading ANNUAL PERCENTAGE RATES may very mantltly and may increase or decrease based an the stated indcea, as found in The Wolf Street Journal, plus the margin PBViwely disclosed to you. These charges wall be effective on the fiBl day at Vour billirg pedal cant month. 4. Auuanrrr of Lete, OverfirrY and Rebened Ptryrn-rt Feu. Your octant will be essesaed ro more then two of the fees Ilstetl hem that occur dulrg any billing period. Under the farina of your customer egreemexn, we reserve the lgM to waive or not to assess any teas without prior ratification to you wittaut waiving our lght to asxss ifs same or similar fees et a later time. 6.tlGrawip You Aooour. If a membership tee eppearo on the front of this statement, you have 30 days from the date Wa statement was mailed to you to avoid payirg the fee or to have aunt fee credited to you if you caned your aceant. Dulrg tNa petal, you may LMtifWe 10 Uaa your BctOUm withOW heyillg LO pay Lhe membeBNp fee. To cancel your accotnt, you moat notify us by calling our Ctotaner Relations Department ant pay your 'New Balance" in ill (excluding the membeuNp fee) plot to the end ai the [tiny-ley period. 6. If You close Yotr Aooourt. you can request to dose your axwnt by calling our Customer Relations pertinent. Vou must destroy your credit cordial antl octant eccesa lacks, caned all preatnholzed tilling, and cease using ywr account. Ii you do not caned preetnholzed tilling enangements, we will catsider xrspt of a large your eutholxation to reoppen your accent Additiaally, your account will rot be closed until you pay all amouma you owe us including: soy [Brea«ions you have authorized, finance charges, past due fees, ovelimit tees, rotumed paymem fees, cash advexe tees end any other foes assossed to your account. You are responsitia for these amotnB whether they appear on your account at the time you request to close tfa account or they are incurred subsequem to y ur rogtast ro dose the account. TNa may resat In charges appeaing on your octant abet you have your attain if it has already been tltaed. For oxample. if you arrdadzed a purchase from a mordant and we rradve tM; trareacdm from the merchant aher your etxaatt has been cased, your axon[ will De reopened, the nyinouon[ of the Merge will be added to your octant, membeBNp ~ de f~~pa ~en[~If~them i~~re ro be Barged, to rho extent pemltted by law, udl rho erLataa bolerae has been paid in fJl es defined above. 7. lleip Yorr Aeaoted.VO« card « account coma[ be used in txxractbn wkh any interne[ gamtiirg tBnsecriorrs. 8. florloe About FJeooorlo Claeolr Canvarmn. When you previde a tlteck as payment. yw audalze us either to rue information fran yar check romake pare-time de«roric trod trarofer from yar bank ea:ant or to process the payment as a Mack [reroection. Wfan rue toe infoRnation Fran yar Meek to make an electrons find [Brefer, fiarda may be withdrawn from your bank attalllt a9 900n a9 d1L• SBBC ley sue felxlV6 yWr payment, and you wifl rot receive your Mack back from ywr flrerrial ireti[utiat. BIWNG RIGHTS SUMMARY Ile Ceae Of ffrOB Or Oueadaro Aban Vour BilO If you [link your fill is wrong, or D you need more Infotmatim an s vareectian or till, wife to us m a aepaBte sheet as soon ea pmaltie at the address for 'npanea shown on the front at [fife statement. We mtmt hear iron yet no later than GO days efier wr: sera you the first NII m vdlM the error or problem appeared. You can call our Ctotaner Rlafians rwmber, bu doing so will rat preserve your ngns. In Vour latter, give us tfa idlowirg informatim: your rams end axotm rpmber, the filler amont of its suapemed enor, a deacaptim of fife error and an e~lanatim, ii possitie, of wtry you belie~ne tMre is an error; or i1' you need more Infonnat , a deaclption of its Item ydt are unsure abotn. You do rim have B pay any amount In tTtestion while we are investigating it, brn you ro still oNi9 fed 10 pay the pang 01 your NII shat are not in quasdan. 4Vlile we investsgem your question, we carrot report you as ddirxaaent or 1 ke any action to collect the amornt you question. t,t Special Idtle for Credit Card Purchases H you lave a problem vlth the gtality of property or seMces that you purMased with a credit card and you Kaye fled Irl gaOd {ahh 10 xRxl ifs problem with ih¢ merchant, you may have the lgN not to pay the remairtng amens due an the p ny or seMCOS. Vw have Ws prolecdon sly when the purchase ice was more than 850.00 ant the purlrase was made in your home state or within 100 miles of your mailing address. (n vve own or apeBte the merchant, or it we mailed you tho advertisement for the pr tty or seMces, all purMeses re ceverod regardess of amount or location of purchase.) Please remember to sign ell correspmderee. t Does rat pppty !o Coast/ma! nos-credit ceN etoounts 3 Does rot eppty to business ran-cr~'t card accounts One atpports information plvacy protection: sae our al www.capptalore.com. Ora is a tedeBlly ragiaterad saMce mark of Capital ~al Corporation. PJI lgMa reserved. o O1~LGLBAK t. Fbw 7o Avoid A firvwe Charge. 't a. trace Period. You will haw: a mirtimun grace Pedod of 25 days wrttaut firerac dterge m new pundreses, row balance tmrefeB, rew spedel purcha, and new mbar drarges if you pay your foal "New Balance', in accordance with da hrtportam Naice for payments blow, and in dmB fOr I[ t0 be Created by ylxtr rea atatCatem tlceing derv. There is ro grace petiad m cash advances end spetlal trerefeB. M addtion, there 19 ro grace pedal any treroactl+n If you do rot pay the total "New balarae b. Aoartting firaae grarga. Trartsactiare wtlM em not eltgect tD a grace perioU are assessed firarae large 1) from the date of the transettlon or 2) freer the date fire traroecdm is procaued to yar Aceotnt or 31 from the fiat celerdar day of the torten[ bitingpe dad. Atkiititrally, 'f yw ttid rot pay the "Now Balarxx: fnarrt the PBVitxn tilMg gala( in full, firence Barges condrrte m accrue to your tatpaid belervx tall the tatpaitl balance ie paid in fill. TNs meare [tat you mayy aril owe frame Merges, even if Y~ P•Y the entire New Bel«tce anriretatl m the front of your statemem try tfa nn¢ atmerrrau daeirg date, but rid not do so /or the prevkxn month. Uryakl flnertca Barges re added to the apppp1si tie segment of yea Axaatt. t c. M7Nnrm FYarwe Chrge. For each Nllirg pedal that your exam ti ata>fect to a flrxenca large, a miNmun teal IRNANCE CHARGE of 80.50 will be Imptxaed. If the foal flrerae Msrye realdrg from the epplicatlon of your peladc reta(sl is less [tan 90.50, we will srbtrect that amrxm from the 80.50 miNmun and the rifferer+ce will be billed to the purdase segnem of yea etxaux. t d. Terrparary Reduelian it Fnarro• ergo. We reserve the agM to rat assess any or all firarae Merges for any given ling petal. 2. Average Dally BWnw IlnokdYg New Pr+ohaaul. a. Hnance Marge is calalated by multiplying the daily balance of eats segneB of your axant (e.g., cash dvartce, purclase, spedal [rarefer, ant spedal ptadase) by the cortesporMrg daily pelo8c mte(sl that has been previoroly dsdirstd ro you. At the anti of epM Boy doing tfa tiYirg petal, we apply the daYy pelodc rate fir cant sepnent of your axon[ to tM daily balance of eeM segnem. Than m the erd of the tiling period, we add w the Baths of lase deity celtstledore to ensue at your palest firerae large for nets aepnem. We add tp the rosrits from eeM sapnrm to ensue at fife total pelodc firortce laarge for your axon[. To get the daly belerae (or eeM aegnad of your secant, we take the ba9'rrring balance for eeM segnerd and atld anyy rew treroecdare and arty palest fxaroe tlrarga calalated m the previous dey'a balance for [fat segnent. We then stbtBCt any peymema « creAts posted ea Of fiat ley that eB alkcated to that aegnent. TNs gives ce the seperete daily balance ~ ~ ~ceahovwt m r axon[. However, If you paid the your preN+xn satanent in fill for if your rew balance was zero « a creel[ amtxax), new trermctioro whits past ro Your purchase or specil r~alalero tla~ave age deYy bekncet by etltirq all tM rlady a balartcm togedar and dwtirg the sun by the norther of the days in the atrrent tiNirg cyrJe. To celalate your t«l flrarae Merge, m2/dplV Vour averege daYY balance by the daily pedodc rate end by the ember of dsys in the Nlirg gel Due to roaring m e daily basis, dare may be e sYgN vedarao between dtb calatledm end der amen[ of finartre la acnmYy assessed. b. If the code Z or N eppeaB on der front ai this statement rant to "Balarae Rate Applied 70," we multlply tfa Irrportad NrNw: Paymema you mall to ua will Da credhed to your accent ere of the 6usirasa day we receive h, prvvidatl (1) you eeM the bv[tom portion of this statement ertd your lack in the erxloaed remittance envelope rid 12) your paymem Is recelved fn our processing tamer by 3 p.m. ET (12 noon PT). Please albw at least flue l5) business days for pawl delivery. Payments received by us at any other IocaGon or rn any other torte may not De cre6tetl as of the dayy we recdve them. Qtr business days eB Monday through Saturday, exclttDing hdidays. Please do not use staples, paper dips etc. caftan prepaing your payment. When you send ua a Meckls), you autholze trs to make s one-time electronic tBnsfar deNt fran your bank accotm for the amaun of the check ~TNs authorizadan applies to all Mecka receved doing the Dillirg cyde even if sent by someore else. If we cemot process the tunsfar, you autMlze us to make a Marge against your bank accent using the dock a paper draft or other item. CapitalQ~• what's in your wallet?" JUSTIN G WEARY TAKE CONTROL OF YOUR 059 CREDIT WITH CAPITAL ONE: Your account is permanently restricted from future purchases and cash advances. But, it's not too late to prevent damage to your credit. We want 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. m 2006 Capital One Servicer, Inc. Capital One is a fedestzUy registered service mark. All righzr reserved. 059-OTI54 Account Summ Previous Balance 53,726.76 Payments, Credits and Adjustments E110.00 Transactions $187.00 Finance Charges E39.77 New Balance $3,843.53 .M1•linimum :1n~iouni ITxe $2,3.3.19 Payment Due Date June 19, 2006 Total Credit Line ;4,000 Total Available Credit ;.00 Credit Line for Cash 54,000 Available Credit for Cazh 5.00 At yotu service To call Customer Relations or to report s lost or stolen nrd: 1-800-955-7070 Srnd pnyments to: Send inquiries to: Attn: RemitNnee Processing Capital OneBsnk Capital One P.O. Box 790116 P.O. Box 30185 St Louis, MO 63179-0216 SLC, UT 84130-0295 PLATINUM VISA ACCOUNT APR 20 -MAY 19, 2006 4862-3626-3071-7232 Page 1 of 1 Payments, Credits and Adjustments 1 17 MAY Cap 1 ElectronicPhonePmt AuthDate 17-MAY E110.00- Your scheduled payment haz not been received. Please remit the amount due appearing on this statement. If you have already made your payment, please accept our thanks. Transactions 2 20 APR Rtn ElectronicPhonePmt ;113.00 3 25 APR Return Check Fee 29.00 4 25 APR PAST DUE FEE 35.00 5 17 NL4Y PAY-BY-PHONE FEE 10.00 Yvuie behind by two payments. Lets *rdk. If you're }roving fiuarcial ;i illicul ties and .xni rnake vote mirumurn par:r:ert - •.vr, crane to help. Le s work tugcthn~ v lird a solution tlwt works best for you. Give 4s a ;gal at 1.S009i~.7070. HELPFUL PAYMENT HINT: We understand that making only the minimum payment may be the bes[ choice for you. However, you71 pay less interest and repay your balance sooner if you pay more than the minimum whenever possible. To explore the impact of making differen[ payments, visit www.capitalone.com/calculator. Finance Charges Pleare see revere sidejor important information ~ Balarurr~ Pmcdu Corrrrpondutg ~~~ ~ ppiirdto tact , PR fD PURCHASES f3,902.28 .0339796P 12.4096 (39.77 CASH f.00 .0638496 P 23.3096 f.00 ANNUAL PERCENTAGE RATE applied this period 12.40 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~ 0000000 0 4862362630717232 19 3843530110000233196 New Balance E3,843.53 Minimum Amount Due E233.19 Pavmcnt Ihre Datc iuue 19, 20tH Tots] enclosed E Account Number: 4862-3626-3071-7232 Capital One Bank P.o. Sox 790216 IlLtttttllltttllltttl St. Louis, MO 63179-0216 ltllnullnnlllntlltlulluutltlntlltlluutlltllnlultl Ptrarrgintmauingaddrcrr~ e-mailrGragrrbe.! urrngtilveorbluki"k So-«t Apc P Chy Suk ZIP Nome Phone Alternate Phone ~ #9014035652124164# MAIL ID NUMBER JUSTIN G WEARY r ~ PO BOX 96 N MOUNT HOLLY SPRINGS PA 17065-0096 ° I~ttllhtJlLtttJlist!tltlLttlLtJJtttlLdtLttlLtttJll r Pleare unite yaw account number ax yow check or money order made payable to Capita' One Bank and mail in the enrl ued envelope. g O O °za ~ 0fV ppeeriodic rate. 70 obtain the everege daily balance tar tho billing period covered by this statement, v+0 take the begirtnng balance of each segmem each day, add any nevv trareactians to eats segment, and subtract enV Payments or credta. (lf the code N appears an the from of this statement next to 'Baleroe Rate Applied To,' vve also ab[ram any ttlpnid finertce charge irdtMed in the balance of each segment) TNa gives us the daily balance of each segrnem. Then, we add tp all the daily balances for each aegmem Mr the NHing period and dHde by the total rxanber of days t the bilirtg period. TNs given us the aversge dilly balance of eats segment. 3. ArrrttW l+aro~tapa fzatas IAPRL a. The term 'Annual Percentage Rete' may appear as 'APR' on the front of this metomem. b. If the code P 1Pdme1, L p-mo. LIBOR), C ICertiTicate of Depoah), or S IBenkcard Prime) appears an the frail of Ws srstemem next to the pedodc rateld, the pedodc rates and correapori6ng ANNUAL PERCENTAGE RATES may vary quanedy and may increase or decreax haled an the staled atdicea, 89 tatnd in The Wal/ Sleet Journal, plus the margin prevaudy dstloaed to you. These Menges w1Y be effective on the first day of your filling padod covered 6Y Yatr pedodc statement endng the mmtfrs Jaatary, Apil, July end October. c. If the code D (Pdme), F (1-mo. LIBOR) or G 13-mo. LIBOR Repriced MmtNy) appe the from of your matemem next to the pedodk gate(s), the pedodc rates and correaporMiro ANNUAL PERCENTAGE RATES may vary montNy anndd may increase or decreax baxd on the Gated irxlices, es found in The Wel/ Sleet Journal, plus the margn previatsly datloxd to you. Thex Menges will Oe effective m the first day of your Nlling period each momh. 4. Aumunartt of Lana, Ovarimit arW Rahntrl PaYrrrarrt Fans. your accotnt will be assessed ro more than two at the fees liatetl here that occur dating any Nlling period. Under the terms of your cumaner ogreement, we exrve the ngM to waive or rat to assess any fees withanr prior rotificatlon to you witfnut waiving our fight to sexes the same or similar fees at a later time. 6.tR~tawlrq Vov Aaoautt. If a membership fee appears on the front of this metemem, you have 30 days from the date Ms statement was mailed to you to avdd paying the tee or to have outs fee credted to you if you cencd your ecrAnni. During this pedal, you may continue to use your gecani without hevirtg to pay the membership tee. To cancel your accotm, you must notify us by calling our Cumomer Relations Departmem and pay your 'NOW Balance' in full (exdudng the membesNp tee) Ddor to [he end of the tNnµdsy period. B. If Yw a7oaa Vora Aoaoud. Vau can request to close your account by calling our Customer Relations Department. you must desuay your credit ardlsl nil account access checks, c roel all preauthodxed billing, end ceax usirq your secant. If you do not cencd preauthodzed billing arrangements, yve will consider recdDt of a Marge your authorization to reopen your acceun. Additiorelly, your account will not he cloxd until you pay ell amouma you owe us iroludirg: any trareacdore you have atnhorized, flreroe charges, perm due fees, ovenimit fees, returned payment tees, cash advance fees all any other foes asxssed to your accrxm. you em respmdble for these amants whether they appear on your accent at Me time ya, requem to clax the eca»nt or they ere Incurred subxquem to y~' eraprem m dose the acatunt. TNa may result in c g ppeering m your secant crier you have your axant if it has already boon dosed. For examdo, if you audtodzed a purchsx from a merehorn end we receive the trareaction from the mar Nora afrer your ocean[ hsa beat dosed, your secant will 6e rtwperod, the arrant of the charge will be added ro your secant, and you will be resporieiNe for paymem. If them Is a membership fee for your secant, the fee wiY conarwe to be Merged, to the extern pemtitted by law, umil rho accotn[ balance hss been paid in fWl as MRrod above. 7. UaFp Varr Aeaaar[.Vwr card or accamt cannot be used in corrtecdon with arty Merrta gamNing trernactbre. 8. aloaiea AhotR Fdsatrortie Chaolr Cerrvarsbn. vAxat yw provide a dteck as payment you authorize ua tither [o too intomatbn fran you Mack to make cone-time dettroric ftrd trerefar from yar bank account or to process the paYmesx as a dteck tratsation. When we use infomation from yar dreck to make an deetrotic turd [rarefer, fut~ may 6e whhdrawn from your bank secant es soon as the same day we eceive your payrnem, and you will rot receive your Mack back frem yea financial iretitutian. BIWNG RIGHTS SUMMARY (In Cex Ot E:nors Or Quesuore Ahern Vour Bile If you tMnk your bNl la wrong, a ii you rived mom Intormatim an a nartsactim err fill, write to us m a separate cheat as soon as paasiNe at the address for nquidea sitowm on the from of this aretement. We mtet hear from you ro later than BO deryyss aher we earn you the firs[ bill on wNM the error a Drablem appeared. Vou ran rail Our Cttmnmer Rdations number, htrt ddrq so will not prexrve your tiptN. In your letter, give us the fdlowirg inMmtaflm: your name and account number, the ddlar emoum of fro suspected error, a desctiption of the enor and an exd etim, if posside, of wiry yOV believe there is n error; or Ift you rived more infomtatim, a descdptim of the item you are tnxre abort. yvu do not nave to pay any amoum in question wNle vac are investigating It, but you re stiu adig lied to pay the papa of your hil thot arc oat n question. 4VNIe we invest{goto your question, c I report you as ddirtgttant or take any action re collect the amotnl you question. !,t Special lade For Crept Card PurcMSes I1 you have a Arabian with the quality of properly or Mces that yw purMaaed with a crept card end You have tiled in good faits to correct the proNem with the merchant, you may have the fight rot to pay the remelting amotnt due on the pr ny or xrvites. You have this protecdan otiy what the purdux price was more than 550.00 arts the purdtax was made in your lame state or within 100 miles Of your mailing address. (If we ovn Or operate the merchant, or if we mailed yea the advertisement for the propetty w services, alt purMases e covered regerdess of arrant or IatatiOe of purchaso.) Pleax remember to sign all cerrespaWence. 1' Does not appy to consumer rwn-credit card accounts S Does mt apply to bus/tress roe-credit card accounts One attppons iniortnadon privacy prmaclian: see our i ai www.cepptalone.com. One is a fetlereYy rag~marad xrvice mark of Capital artdal Corporation. Ali rights raxrvetl. a 2003 Ono __ 01LGLBAK voq s, rnenoa umrga. t a. traw Priori. Vw will have a mitimun grace period of 25 days without finance Marge an new purdtasea, row balance trerefers, crew spedd purdnses and new other dtarges if you pay your total 'New Balance', in accordance wittt fire Irnportent Notice for paymems below, and in time for it Lo be credtod by your rox[ matemem tlodng date. There is ro grece period m cash advartcea and spedal trerefere. In addtlm, there is ro grace Pared an any crereacdon If you do rot pay the tad 'New balance.' b. Aaarritg FYratea Gtarga. Trareemiare whits are rot abject ro e Bretz pedotl ere assessed flrence dterge 11 hart Me date of the troreactlon or 2) from the date the trereaction is protx>ssad to yar Accotnt or 3) iron the fire[ ralader day of the parent bilirg period. Addtiorolly, 'f Vat rid rot PaV the 'New Balance' from the previwe biNirtg period in full, finance Merges cerrdntre to acertn to your tnpeid bdartce anti the utpeid balance is paid in hil. TNa meare that you may atiY owe firertce Merges, even if you pay the entire New Balance indcated on the from of your ma[errtart by the rox[ stetarrertt tloshtg date, but d'rd not do x fa the prevfan rrwrdt. Unpdd flrertce titarges am added to ttte appk Ne sapnern of yar Aocoutt. t c. MiYraan Fitrtoa Chrga. For eats billing pedotl that your secant la atitjax to a Itfsrtt, Margo, a mWmun total IaNANCE CHARGE oT &0.60 will be Imposed. If the total flrertce Marge rexidrtg frtm tlm apgieatlan of Wttr pedodc rttte(sl is leas than }0.50, we wNl attract that otnt from the 40.50 mirimun and the dfferatoe will be billed to the punitese of yar atxotrtt. t d. Tarrpanry Rtltetion in Flnrtoa Clrga. We rexrve the dyrc to rot aaaeav any or aN firanoe Margea fw any given N ling pedal 2. a vezaga Dr ~Bd ism elalatod b Naw Nadrasasl. baance of eadt Y mttitiplyirg the daily sagrtertt of your atxara (e.g., cash dvertrt:, purtlmx, spa Jel Lrerefer, all apedal pun3tax) by the correaportdrg dilly pedodc re[e(s) ttmt has been prevktudy dxloaed to you. A[ the end of eats day dtdng fire Nlung period, we aptly the deYy perfodc mm for eats segnent of your eccaatt to the daYy bdertce of sets setfrrent. Ttren m the end of the hiYtng period, we add ttp the reaJU of tftex daily ralalatiore to arrive at your pedodc finance tdtarge fipr eats aegmexa. We add W the reaps from eats segment to erdve et fire ford pedodc firertce Merge for you accwrt. To get the tlaiy balance far eatlt xgnaM of yalr 8(%XXlllalf, we take Lhe beymirg balance for eats sagrntxtt and add any row trereacdare and erry pedaic firence Megle calcWated on the previous day's balance for that segment We then atbtrect any payments or credts posted as of that day Mat am allocated to rpm xgrnent. TNs fives u9 the seperete daily belartce fir eats aognent of your secant. However, if you ppaoid the New Bdartce shown on your prevous statement M fiil (or if your crew balertce was zem or a trail[ errant), now [rensacdare whits post to your pttrMex or spedd purdrex segnenm are cwt added to the daily balances. We celaiete the average daily balance by addrtg eN rho daily belartcea together and 6Ndng the am by the raaNter of ~~ fire the atrrertt bilktg cyde. To calaYme your total rge, mUtidy Ywr averege daffy belatce by the daily pedoek rate and by the ember of days in the I;uing period. Due to mtndrg on a daily basis, them may be a aNgN vaMrtce 6etweat tiro ralaletlm end the amain of firertce dg ecnteYy assessed. b. If the code Z or N appears on Me ham of this a[atement next to "Bdertce Rate Applied To,' we mratgly the Irrptxwd NWoa: Paymeme you meal to ce will be cred[ed to your accetnt as of the Wdrese ley we racelve It, prvNdeO (1) yar send tea bonam panto of this metemam and your dteck In the enclasetl remittance envelope all 12) your peymem Is recdved In wr procesakq comer by 3 p.m. E7 (12 noon Pi). Please Blow at least live 16) dtsineas days for postal delivery. Paymems received by us at any other IOCaSan or m any other fomt may not be credted as of the de vre rxdve them. Our btsiness days are Malley through Saturday, excludrp hdidays. Please do rtot use sredea, Asper dips etc. when preparing your payment. When yvu sets us a check(s), you eutlwrize us to make sane-tmv electronic trerrefor tlvlxt tram your bank accoun for the emarrt of the drat This authorizadan apples to all dtecks racaved during the billirp cyde even it xm by sanaoro pee. It wa carrot process the trenafar, you euthoriza us to make a tlmrge egeinm your bank account udrg the Mack, a paper drab or other item. / First 3 months half-price 97 a month; $9.95/mo, thereafter ,~j ~ FREE Accelerator' -~~'''' ~rov.tw.wbr~sr.onnt. SIGN UP TODAYt ' 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.corn/go/opal _T--~. Aooount S Previous Balance 53,843.53 Payments, Credits and Adjustments 5233.20 Transactions 5,00 Finance Charges 540.01 New Balance 53,650.34 Minimum Amount Due 5109,00 Payment Due Date July 19, 2006 Total Credit Line 54,000 Total Available Credit 5.00 Credit Line for Cash 54,000 Available Credit for Cash 5.00 At your service To all Csutomer Relations or to report a lost or stolen nrd 1-800-955-7070 Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, i1T 84130-0285 Important Account Information Take control and start paying yotu bill online for free. Eliminate the hassle of writing checks, finding stamps, and sealing envelopes. Everything you need to access, review, and pay;rour bill is a~zilable online. Our website offers you a convenient, simple, and secure way to manage your account Visit www.capitalone.com and regis[er your account to start simplifying your life today! 003 peoplepc~~ online ~ Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! g Email Virus Protection ® Pop-Up BlockerT^^ Spam Controls ® Smart Dialer ®~ More Email Addresses ®~ Internet Call Waiting PLATINUM VISA ACCOUNT 4862-3626-3011-7232 MAY 20 -JUN 19, 2006 Page 1 of 1 Payments, Credits and Adjustmrnts 1 06 JUN DIRECT DEBIT PAYMENT 5116.60- 2 t7 JUN DIRECT DEBIT PAYMENT 116.6•l- "Important Notice"` Your account was pas[ due. Under the terms we previously disclosed to you, if your account is past due again in the next 12 billing cyder, your Annual Percentage Rates (A.P.Rs) may ina ease. Finance Charges Pleate tee reverJe tide jot important information f _ P 'v Corr~ ndmg ~N~JCg n ~r P ~plirdta CHARGE M PURCHASES 53,799.11 .03397MiP 12.40% f40.01 CASH f.00 .06384MrP 23.30% f.00 ANNUAL PERCENTAGE RATE applied tllis period 12.409'0 • PLEASE RETURN PORTION BELOW W1TH PAYMENT ,,~ ~'p°"~""~ 0000000 0 4862362630717232 19 3650340116600109005 Pl i t i i dd d il l b New Balance 53,650.34 rarrpr rs ma r ng a rrrs an r-ma r amgrr eicw ruing tiivr orblark ink Minimum Amount Due 5109.00 3veet qPt s, Payment Due Dace July 19, 2006 Clry S~ce ZIP Total enclosed E Home PMne Alrecnau Phone Account Number: 4862-3626-3071-7232 Email Address Capital One Bank ~ #9017135852124169# MAIL ID NUMBER ~ JUSTIN G WEARY r P.O. Box 790216 ~~~uur~s~~~m~~m~ ~ PO BOX 96 I St. Louis, MO 63179-02 16 ~ ~ MOUNT HOLLY SPRINGS PA 17065-0096 ~ ~t~~tut~~nn~~~ur~~r~u~~nur~t~m~ ~t~~um~~t~~u~n~t~ _ ° ~ ~us~~~ut~~~uu~~nt~t~t~~ur~~ur~t~us~~ul't~nt~~uur~~~ Pleare writeyour arcoant number an yotu check or tRO119' order madepayable to Capita) One Bank and mail in tix enclaed envelope. peoplepc~N online ~ Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.pl9oplepc.coMgo/opal PeodePC is solely responsdtle for this oMer, and is not eBiliated vrith Capital One. Capital One tltps rid provide, endorse or guarantee, and is not affiliated wtlh, any product a service shown here. Any trtdemarka memioned herein ere solely owned by the respective entity All rights reserved. By responding to tftis oHey you may be communicating information about yourself to the company that provides this product -for example, that ya are a Capital One customer. 'PeoplePC Accelerated; First 3 months of service are billed at $4.97 a month; $9.95 a month Merealter. 12-month commitment required for PeoplePC Accelerated. Month-to-Month pdckg with no term wmmitment is $t4,951pr PeoplePC Accelerated; 59.95 for PeodePC Online without acceleretd technology. Offer available to new dial-up subsai6as at least 18 years of age and may not be redeemed with any other oMer OMer subject ut change at any time. Phone technical st,pport available for $1.95 per minute. tWth PeoplePC Online Accelerated, certain Web page text and graphics will load faster when compared to stantlard dial-up Internet service. Aqua) resuks may vary. Service not avaiable in all areas. Aa;ess fees, taxes and other tees artd rastridions may apply. Phone technical support available fa $1.95 per minute. For questions, call tell-free at t-886-S7RYNOW. ®2006 PeoplePC Inc. PeoplePC Online and Mte PeodePC Logo are registered trademarks of PrxtltlePC, Inc. Trademarks are properties d thdr respective owners. All Rights Reserved. Service not avalable in all areas. Access fees, faxes, and dher tees and restrictions may apdY. Telephone toll charges may apply, even tlurtng trial periods. You are responsible for determining whether a call to aria q our access numbers wJl result in telephone toll charges. Access may 6e lirnted, espedaliy d~dng times of pe[Ik usage. Dist-up numbers may be changed at PeoplePC's discretion. Continuous use subject to Gmeout procedures. AA use is subject to PeodePC OnNne's Services Agreement and Acceptable Use Pdicy. S6K is the maximum speed of service; actual speed may vary. ® 2006 PeoplePC Inc. All Rights Reserved. PeeplaPC Online and its logos are trademarks of PeoplePC in the U.S. and other coumries. ® 2006 Caphal One Services, Inc. Cadlal One is a federally registered service mark. All rights reserved. 8 O~ a_ r- ~i ~ caw periods rate. To obtain the average daily balarxx for the Nairtg period covered by this statemrnn, wr take the begimirp balances of each xgntan each day, add any new trereactiats to each segment, and sUnrem any payments or credits. 111 the code N appears m the from of this stnemem next to 'Balance Pete Applied To,' we also stittram any repaid finance Marge irttltxfed in the balertce of each segment) Thia gives us the daily balance of each segnem. Then, GIII add Wall the daily belartces for each segnen rig period and dNde by the total nunber of days in the dlling period. TNS gives us the ge drily balance of cent aegnent. 3. Arad Peroetatage Rats IAPR4 a. The term 'Annual Percentage Rate' may appear as 'APR' m the irttm at this atetemem. b. If the code P IPdmel, L 13-mo. LIBORI, C ICenificate of Deposi0, or S IBenkcard Prime) appeam m the (Teri of this atatammt nee to the periodic ale(s), the periods rates and mnesportdrq ANNUAL PERCENTAGE RATES may vary tFtanedy and may irpreeae or decrease based m the stated irtdces, as iotrtd in The Wetl Sheer Journal, due the margin PP viady dsdosed to you. Thane dmngea vAll be effectve on the flat day of your dll~ m~ ~rnUa~ by Ywr pedodk natament erxtng c. If the code D (Pdme~~F(1~mo. LIBOR)o GM(3-mo. LIBOR Repriced MmtNy) appeare m the tram of your statement Trap to the pedodk Tecate), the periods rotes and cerreaportdirtg ANNUAL PERCENTAGE RATES may vary mmtNy and may increase or decrease based on the stated indces, as (surd in The Wel! sneer Joume% due the margn previarsly dsclosed to you. These changes will ce effective on the first day of Your hillirtg perod eaM momh. 4. Asaesanrrrt of Leto, Overgrril acrd Ravened PaynwK Fes. Your secant will be assessed ro more than two 01 the fees listed here that occw during any billing period. Untler the terms o1 your customm agr merit, reserve the tight to ei a or not to assess any tees withan pprior notlflcatim to y without waiting our tight to assess the same or amllar fees at o later time. 5.1-Renwvip yar AooouK. If a membership fee appeero m the irmt of this statement, you have 30 days from the date this statement was mailed to you to void paying the tee or to have such fee credited to you ii you cancel your aceent. During iHs period, you may Cantlfxp l0 Use yWr BCCOla11 withom hating 10 pay the membership fee. To cancel your accent, you must ratify us by calling our Customer Reletiana Depertmmt and pay your 'New Balance' in fWl (exdttdng the membemNp fee) prior to the end of the Mrty-day period. 8. N Tau Cbae Yav Aocourt. You ten request to dose y r account by calling our Customer Relatlms Depenment. You must destroy your credit cerd(sl and account access checks, caned all preauthorizetl Nlling, and cease usirte your accent. If yon do not caned preettthorized bllirtg energemems, we will crosider recdpt of a charge your authorizaden to reopen your aceoum. Additionally, your aceant will rim be closed until ya, pay all amounts you owe ua including: any tmnsadiare you have authorized, finance charges, Pest due fees, ovedimit foes, returned peymem tees, cash advance tees and any other fees asaeaeetl to your eccoum. You am respmside for these amounts whether they appear m your secant at the time you request to close the accent or they ere incurred subseptem to tour request ro close the accent. This may resdt in bargee appearing en your accent after You have your accent if i[ hoe already beat dosed. For examde, if you autltorized a purdpac from a merMom and we receive the trareactim frtxn the merdpnt after your accent has bean dosed, your accent will be reoPapd, the amara of t)p drarge wNl be added [o your octant, and you will be resporeiNe for payment. If them is e memberstip fee for your ocean[, the fee will contitue to be Merged, to the extatt tted by law, ttndl the accent babrtce hag been din (JI a9 deflred above. 7. IJairg Yorr Aootttad.Vmr card or secant cennm be used in corrtectlort wiM any btemet gamding trortsactian. e. rasa. Abort Ebobcrb atsalr Carvenbn. wiprt ya, poNde a dteck as peyrrrratt, you aurhorize us dtfrer to use information from yotr deck to make a oro-time dectrttrtic ftnd trarefer from yotr bank accent or to process the peVmem as a Mack trereactim. When we roe information from ynur Mack to make en dectrortic ftntl tmrefer, funds rosy be witrdrown from your borYt eccnnt as som as the some day we mcdve your payment, and you wiN rot receve your Mack back from your (aprpiel iredtutim. BIWNG RIGHTS SUMMARY (In Case Of Errors Or Oceations Atxxn Vour Bllp If you think your bill is wrong, or it you ncetl mare Intormatlm an a trereacgm or NII, write to us m a separate arrest as som as po 'de at the adorers far rngdriea shown m the front of tHa statement. We ratter hear from you no later than 60 days after we sera you the first bill m wfiiM the error or problem appeared. You ran call mr Customer Rdatias number, but doing so will not preserve your ri¢tts. In your letter, give to the idlowing information: your name end accent number, ttte ddlar amount of the suspettad eror, a tlescriptim of rite error oriel an exdanatim, ri posadc, of why you believe tMrc is an error; or it you Tree( more Informal m, a descriptim of the item you arc ureurc sham. Vou do rot have to pay any au t in question rNtge we am investigating it, htn you ore still odigated ro pay the pons of your bill that arc not nr question. tNNle we investigate your question, we cerxtot report you as delinquent or take any scrim m celled the amdmt you gtpsrim. 1,'r' Spedal Rde For Credt Card I'urMases If you have a problem with the quality or property or services that you purMased with m credit card and you have tdod in good rahh to caned the proNem with the merchant, you may have the tight not to pay the remairing amant due m the property or seMCes. You have Ws protedim mly when the purchase price was more than 560.00 and the Iwrdtase was made in your home orate or witNn 100 miles of your ma9inp address. Ilf we own or operate the merdtant, or it yve mated you the advertisement for the property or services, all purMasos arc covered regardess o1 amount or laradm of purMese.l Fiease remember to sign all correspondence. t Oces ro7 apply ro aonsumei non-c ~H eaM accounts 1 Does rot apply to twsiruss roe-credit cent eceounis One rapports intormadm privacy praedim: sae our at www.cap'talone.com. One is a federally re "stared service mark of Captal arwial Coryoratim. All dgMs reserved. 0 2003 One 01LGLDAK t a. traoa Period. Vou will have a mirimtm grace period of 25 days widpta firortce Merge m row purchosos, rtcw balance tmrefem, rpw special purMOSes and row odpr Merges ifyou pay yerr total 'New Bdarpe', in accordance with the Importam Notice for payments below, oriel in tine for h ro be crrxfited by your veto statement doting dale. Them is ro grace period m cash advances and special tmrefers. In addtlon, them la ro grace period any tmreaxim if yen do rot pay the total -New balance.' h. Aootuitg FFswe Chrge. Trartsactlare vNtiM are not stb)ect [o a grace period are assessed finatce dterge t ) (torn the date of the trareactlm or 2) from the time the troreactim is processed to yar Accent a 3Y iron the first ralader day of the atrtatt bil9rq period. Adddetally, 'f you del rot pay the 'NBw Bdarpe' (torn the previas Nging period in fUl, finance drsrges certtirap to accrue to your ttrpad baance trttil the trpaitl balerpe is pvtid in ftll. TNa meare that you ma su1 owe frrence Merges, even if Vat pay the ertHre New Balance indcated m the from of your atatamem by the reta stetmrant tlttspg de[e, but did rot do so for the pmvbtn monM. Urpdtl flrertce dprges added to the de segnem of your Auwrt. tc. Atiirraan Flnanoe Qt>.ga Ear eaM billing period tttat your accent is stgea m a flrprtce Merge, a miMmum total T7NANCE diAROE of 50.50 wIN be imposed. If the [sal finance Marge raaltlrg from [rte appicetlm of yyoouu periods rate(s) is less than 50.50, we will subtract thatr amoua (Teri the 80.50 mrimun and the dfferape will be billed to tip prnMese segntatt of your arrant. t d. Tettrparary Reduction n Fnanw Gtarq We reserve the right to rpt eses any or all finance Merges for any given frilling period 2. Average Daily Balance Ikrofrrditg Nsw PtroMsaal. a. Hnaroe Marge is calaaated by mttltipyirg the tleily balerrc of eaM segment of your eccan[ (e.g., cash dvertce, purchase, spatial [tarefer, and spatial purdpx) by the conespadng daily perieic rate(s) that has been prevkttdy dsdosed to you. At the end of eaM tlayy during [he bgling period, we aptly the daily periods rate b eaM segnent of your accent re the ddb( bdartce of eaM segneru. Then at the end of the bigrrg period, we add w the rcarl<ts of these daily ralWatiore to arrive m your periaic firertce charge for eaM segnam. We add W the resuhs from eaM segment to arrive at the total periods firprpe charge for your arant. To get the daily bebnce for eaM sagnarrt of Your aceaax, we take the begimirg balance for eaM sognm[ and add any rew trarsacdore and any periods finance Merge calaiated m the pmvian tloy's balance for that segment. We then xbtram any peymems or credis posted es of Mat day drat ore dloce[ed to that segnem. TNs gives us the separate daily baance for eaM sagnmt of your accent. However, if you pdd the blow Relents sltovvn m yar preNata natemmt in iJl (or if yes new balance ws zero or a crept emote[), row trareactiore vNiM poet to your purMese or apedd pttrMase segments are rpt added ro the deity bdarpes. We calarbro tip average daily balance by addrtp all trte daily balances togetloer and dvidaq the sun by the rancher of Ute days in the etrrertt NMatg cyce. To ralalmc your ro[d finance Marge, mJtiply ywr average daffy bdartce by the daily pedaic rate and by the ember of days in the Nllkg pedrtd. Dtte to ranting daBV beats, Mere may be a aBgltt variance between tftis celatletlm end the emoum of flrerpe dtarge acntety assessed. b. If the code Z or N appears m the from of this atnemmt next to 'Bdertce Rate Appied To,' wo multlpY [M Inportatt Nodoe: Paymema you mall to us will ba credted to your aocant as of the Wafnass day we receive h, proNdatl (1) you send the bottom portico of tree statentent and your Mack in the erplosed remittance envelope and 12) your paymem is recdved in our procesaktg center by 3 p.m. LT (12 rpm PT). Please allow at least rive (51 business days for postal ddive Payments recdvetl by us at any other locaum or in any other form may rpt be cradled as of [he day we receve them. t7ur badness days are Monday tfawyr Saturday, exdudrp hdidays. Please do not use stapes, paper al{a etc. when preparing your peymem. When you send us a check(s), you authorize trs to make a orp-rime dectraric trarrefar debt fran your bank accotm for the emoum of the check This atrthorizatim appres to all checks recaved during the billirp cycle even if amt by someone else. If vet tempt process the trarekr, you authorize us to make a charge agairart your bank accent using the Mack a paper draft or otrpr hem. Capita/Qy~. what's in your wallet?" JUSTIN G WEARY TAKE CONTROL OF YOUR 059 CREDIT WITH CAPITAL ONE: Your account is permanently restricted from future purchases and cash advances. But, it's not too late to prevent damage to your credit. We want to help! Let's work together to find a solution that's right for you. You can make a payment with our frig check by phone service or speak to an associate by calling 1.800.955.6600. ©2006 Capital One Services, Inc. Capital One is a fedemUy regirtered service mark. Al! rights reserved. 059-07754 Csl(ill~7-~Q Account S Previous Balance 53,650.34 Payments, Credits and Adjustments 5.00 Transactions 535.00 Finance Chazges 538.90 New Balance 53,724.24 -.L•linimum.Amvttni. Tim 5220.IX) Payment Due Date August 19, 2006 Total Credit Line 54,000 Total Available Credit 5.00 Credit Line for Cash 54,000 Available Credit for Cash 5,00 At your service To otll Customer Relations or to upon a lost or stolen card 1-800-955-7070 Send paymenu to: Srnd inquiries to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 790216 P.O. Bos 30285 St. Louis, MO 63179-0216 SLC, UT 84130-0285 Imvortant Account Information Take control and start paying your bill online fox free. Eliminate the hassle of writing checks, finding stamps, and sealing envelopes. Everything you need to access, review, and pay your bill is available online. Our website offers you a convenient, ample, and secure way to manage your account. Visit www.capitalonacom and register your account to stazt simplifying your life today! PLATINUM VISA.4000UNT 4862-3626-3071-7232 JUN zo - JuL 19, zoo6 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appeazing on this s[acement. If you have already made your payment, please accep[ our thanks. Transacrions 1 19 JUL PAST DUE FEE 535.00 YutL account is one vayrnent t;elilnd. Remember that oral:ing your mitdmwn paymr. uu b_v the due. data, kaeps vote ac.:ount in,oood standing. ~Vhrn you n-:iss a paymem, late fees sr<trr adding up. And ncb~dv wants :hat. So make s+.rre lrou .u:nri in the, minirmun amount. doe o^ tiot+r sta rernen.i ro keep )xv.rr account in good siandin tr and to keep fiziro paving as:ras fees. ~~ You were assessed a past due fee of 535.00 on 07/19/2006 because your min'vnum payment was not received by the due date of 07/19/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Please see reverie sidefar important information rV'`s Balaarr raft Prrind,r Carrr~dng ~AN `~' ppliedro raft AAPR ,~IjliY. PURCHASES (3,669.10 .03534%P 11.9096 f38.90 CASH f.00 .0652196 P 13.80% 5.00 ANNUAL PERCENTAGE RATE applied this period 12.90% ~ PLEASE RETURN PORTION BELOW WITH PAYMENT ~ ~~ 0000000 0 4862362630717232 19 3724240116600220003 New Balance 53,724.24 Minimum Amount Due 5220.00 Payment Dne Due Aumrst 19, 2006 Total enclosed S Account Number: 4862-3626-3071-7232 Capital One Bank P.O. Box 790216 Itlnlnltlullnnlll St. Louis, MO 63179-0216 Itlltntllnnllluallrlulltunltlntlltlluntlltllulultl Plrarrpnrttmaiiivgaddsrma~ r-nwildnmgrrbe! wirsgb! orbear,Etuk Stree~ Apc M Lary 5nu ZIP Home Phone Alumare PMne ~ #9020135852124164# MAIL ID NUMBER - JUSTIN G WEARY ~ PO BOX 96 ~ MOUNT HOLLY SPRINGS PA 17065-0096 ° ~ Itnlllutllluullmltltllntllutltlntllnltlutlluutlll Pleare uniteyour aeraunt number on yora check m money order made payab:e to Capifa! One Bank and mail in the enrl tied envelope. 8 O Om~ ~i ~.-N ppee ode rate. To obtain the average daily balarae for the hillirq period cewred 6y this atatemem, we take the begimrq balance of each xgmem each day, add any row transactions to eaM aegntem, and abtred any payments or cradle. (If the code N appears en the from of SIYs statemem next to 'Balance Rate Applied To,' wr; alx subtract any upeid finance d[arge irduded in the balarae of each segment.) TNS gives us the daily balance of each segmem. Then, we add uP ell the daily belerues for each segmem fir the billing period and dvkk by the total raanber of days in the hillirg period. TNs gives us the averaggee daily balance of each segment. 3. ArwW Peroerltape Ratty IAIMtI. a. The term 'Annual Percemage Rate' may appear as 'APR' on the front of this statement. b. It the code P IPrimel, L 13-mo. LIBORI, C ICettificate of Oeposh), or S Il2enkcard Prime) appears en the front of tNs statemem roe to the periodic totals), the perioic rates and cemespwtdrtg ANNUAL PERCENTAGE RATES may vary quenedy entl may iroreax or decrease based en the s[netl indices, as found in The Wall Sbee! Jorunel, plus the margin previously dsdosai to you. Those danges will be effective en the fimt day of your billing periai covered 6y your pedode statement endng ' the mmtfe January. April, July end October. c. If the code D (Prime), F (1-mo. LIBOR) or G 13-ma. LIBOR Repriced MeniNy) eppeors en the iron of yax atatemem nee to the periodk rate(s), the pododc rates and certespondirg ANNUAL PERCEMAGE FIATES may vary montNy and may iroreax or decreax based on the stated indces, as fount in The Well Street Journal, plus tfa margin previously 6sdoxd to you. Thex changes will be effective an the first day of your billing period eaM momh. 4. Aterpernert of Late, OvarTirit all Reuaned Payrrlerr< Fees. Your accent will be asxsxd ro more than two of the fees listed lure that a:cw during any tilling penal. Untler the terms o/ your customer agr ant, exrve tfa right u ' not m saxes any fcea witfuut pprior rotiflcatien to you wdthout weiNrg our right to esxss tM same or similar foes at a later rime. 5.tRerrewaq yore Aemuk. If a membershp fee ppears an the front of this statement, you have 30 days fran the date this statement was mailed to you m void peyirq the tee or to haw suM fee credited to you if you caned your account. During iNs pedal, you may ¢enilfaC 1o Ux your aCCOlnl WIthOUt hating IO pay Lhe membersNO fee. To caned your accont, you must notify to by telling our Cunmer Relations Department and pay your 'New balance' in fWl lexdirdng the membership tee) prior to the end of the tNrty-tlay period. 6. If Vou Cbae Vav Aoaous. Vou can request to close your account by calling our Customer Relations Department. Vou moat desvoy your aedit card(s) and amt access checks, caned all preauthorized rifling, end ceex using your account II you do rat cancel preatnhorized filling arrangements, we will consider recdpt of a charge your etnhOnzatien to reopen your accoum. Additionally, your accent vdll not 6e cloaetl until you pay all amounts you owe us including: any trensadima you haw auMoriied, fineroe charges, pest due fees, owriimit rata, returned payment tees, cash advance tees and any other fees assessed to your account. You ere reapensible for these emoms wtatfar [hey appear en your accent at the time you request to close the accent or they ere Incurred subsequent to your request to dose Me account TNa may resdt in charges eppeedra en Vour accartt aher you new your acears if it has already been closed. For ezamde, if you audarizad a ptnchax from a menYUnt and we receive fir: trereacdon from the mertlant otter your accent has been dosed, your octant will be raopertetl, the emotrn of the darpe will be aO~A to your aceant, end yywat wiN be reapontihle (or peymm. If More is e membemNp fee for your ocean[, the fx will ixmtiau to be darged, to the e#Ixlf pertdned by law, tndl the aocan2 bdarae has been paid h ftil as deNatl above. ~. llaYrg Varr Aooaan.Vwr card or account camot be used h cerrractbn wfth any blamer gemNing trareacdore. 8. Notlos Abe[ EleaaoNe Gleolt Caweraiorr. When you proNde a deck as payment, you atafanze tat rider m ttso information from your Mcek [o make a as-time dtatrortic fund trerofer from your bank accent or to process the payment as a duck transaction. YrRan wo tee information fran your dank [o make on dtxtratic hrtd trarefer, ftrrfs may be whtdrewn fran your bank arx:otnt as soon as the same day we rocdw your payment, •end you wiN rat roceiw your duck back from your fironaal irotinnion. BILLING RIGHTS SUMMARY fln Case Ot F.nore Or Questions About Vaur BiID if you think ywr 6NI is wrong, a ii you need mom informatlen en a ueraacUen or NII, write to us en a separate start as soon as possible al the address for ngttlriea sftown en the front of this statement. We meet hear tram yet ro later Than BO days after we sera you the firer hill en wfiiM the error or problem appeared. Vau con call our Ctrstmer fidaUma number, but ddrtg so will not prexNe yaul' rights. in yalr letter, Qw US the idlowirq mfonnaUOn: your name end account number, the ddlar amain of tM: suspected error, a tlescriptien of tfa error and an expanatian, ii passide, ai why you bdiew there is an error; or If you need more information, a description of the hem you are unsure about. Vw do m haw to pay any amoum In question wMle we are investigating it, but you re stlN oNlgu~ed to pay the pane of your NII that are not h quesUm. 4vNle we Investigate your question, we tenor report you as deNnµrertt or take any scrim to cdlect the amoum you quesfien. l,t Spedal Fdie For Cradt Cell Purchaxs Ii you haw a problem with the quality of property or xMces that you put based wdtlt a credit card end you haw tried in good faith to coned the probem with the merchant, you may have the fight not m pay the remeiNng amotnt due en the property or xMces. Vou haw Ws protecUen oNy when the purduse pnee was more Than 550.00 and the purdax was made in your home state or within 200 miles of your maifing address. (II tyro own or aperete tfa merchant, or if we mailed you the adwnisement for the property or xrvices, all purdases am LOw1ed fegerdeee Of BmOUm or leraden o} rlUrdaae.) Meax remember to sign all correspondence. t Does no7 apply 7o consumer ran-credit card accourds i Does roi apply to business ran-r1Mi1 coN eccowts One supports information pnvecy praectien: sea our at www.ceptelona.com. Ora iu a federally regplnarad xrvice mark of Capital andal Corporation. FUI dQsa reserved. a 2003 One 01LGLBAK 2. Flow To Awid A Firanoa Charge. t a. traee Period. Vou will haw a miNmtm grace period of 25 days withaat fxurae large m new pundroses, row belarae tremfera, new specal purdases and new other Meges if you DaY your total 'New Balarae', in accordance wkh tta Importam Notice for peymems below, and h time for it to be cedted by your roe statement dosag dale. There is ro grece period on cash advances and spetlal treroters. In addtion, there is ro grace period m any trereactlen if yw do rut pay the [ad 'New balarax.' b. Aaartig Fherae Cherg . Traraadiarra wfildt ere not atbject m a grace perod em assessed flraroe drearge 1 y from tta date of the [raraactlon or 2) from [he date the treraactim is Drocesxd to yes Accent a 3) from the first ralerder daV of the arrran tilting period. Adtfidaally, if yw rid rot pay the 'New Balarae' from the previan tilling period in fWl, finance Merges cendntle to accrue co your tn{aid bdartce urcil the tatlaid balarac is paid in ftll. TNS meare thot you mayy stiN owe finance tlarges, even if you paV the ontire New Referee indca[ed m the (turn of your statemem by the run stetrxnertt dosag dale, but rid rot do so for the prevbts mmh. Unpaid firorae dtsrges are atlded m the apppcede sogrnem of your Aocant. t c. MfNrrun Flnanw frierge. For eaM biting period that your arcouu is stgect [o a ikartce Merge, a miNmun total RNANCE CIWRGE of 90.50 will be impoaetl. If the [owl flnarae Mer~ resJUrg from [he applicetlan of your periodc re[e(s) is ass then 50.50, we wiilll subtract that emotes from tla 50.50 mrimtm and the dfferatce will itc billed to the purdux se~t~nt of your atxant. t' d. Tenperary Reduolion in Fharwo Orrge. We reserve the right [o m asxx any or all firarae daryes for any given biting period 2. Avenpe Daly Balerwe IInaNMiq Natv Rrahasesl. a. Rnaroe Marge is calalatetl y mtrlUpying the daily bdarae of eaM xgrnente f your aceaax (e.g., cash dvarrr, pun3a , aped I trerefor, and special pundtesel by du certeapordng deNy pedodc rate(s) trot has 6cen previady dstlosed to you. At rite and of eaM ley during du bgtlng perod, we apply the daNY pedodc rate for eaM aepnen[ of yore accent [o the dilly balance of eaM aepnan. Tian at the end of the NNing period, we add [4 tfa reerlm of tfux dairy rnlWetioro to artiw at your periodc flronce cltaerge for eaM aegntem. We add tp the realty fran sell xgnem to amw a[ the total periodc firorae dtsrge (or yotr aceant. To get the daily balarae for eaM segneM of your accaatt, we take rfa beginYrg bdartce for eaM aepnent and add any new [ranmaioro and any periodc firorae charge celaleted m the previaa days belaroe for roar xgment. We then stbtrect any paymerus or credta posted as of sat ley tfat are eNocatod to trot segnem. TNs gloms is the separate daily balarae for eaM segment of your accotnc. However, if you paid fho New Referee afuwn on your previae statement In bN if your row balarae wee zero or a creel[ amore), row traraactiore whits post to your purdax or spedd puntlax xgneras ere m added to the dairy balances. we laiate the awrege defiy balance by eddrq all the daily balarces together and dvidrq the amt by the rrmlter of the days in the LUrrem 6taing cycle. To calculate your tad firorae dtarge, mUUdV Your average deNy bebrae by the daily ode rata aril by the ember of days h the brlNng pad .Otte [o routdng on a daily basis, there may be e sNgls valence benvcat this ralaletien end [he amovs of flrorae Marge aataNy aasexed. b. It the code Z or N appears on the front of tMa statement ran to 'Referee Race Applied To; we mtlUpy du Importers Ntsioe: Peymema you mall to ue will ba credted a your accent as of the busirass ley we receive it, provida0 11) you send fro bottom ponlan of this natament and your deck in the enclosed remittance envdepe and I2) your payment Is received in our processing center by 3 p.m. E7 112 teen pT). Meese allow at lean flue 15) business days for postal delivery. Paymertts received by us at any other location or m any other form may not 6e credited as of the ley vas recdw them. Our business days era Monday through Saturday, excluding holidays. Pleex do rat use stapes, paper dips etc. when preperirp Your payment. When you send us a check(s), you authorize ce to make a aro-brae eledronic trerafer debit from your bank eccotan for the amotrn of the check TNa authorization appas to eN checks recawd during the billirg cycle even if sent by someone fix. It we carrot process the transfer, you autfwriza u3 t0 make a Charge 8galnn your bank alxalnl U8111g the Check, a paper tlfeh 01 Other hero. Capital py~• what's in your wallet? JUSTIN G WEARY Let's work together to find a solution that's right for you. You can make a payment with our frgg check by phone service or speak to an associate by calling 1.$00.955.6600. © 2o0G Capital One Services, lac. Capital One it a federally registered service mark. All rights reserved. 059-0775a ~:a~altd, PLATINUM VISA ACCOUNT JiIL 20 -AUG 19, 2006 4862-3626-3071-7232 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance ;3,724.24 1 24 JIJL PAYMENT RECEIVED - THANKYOU 5109.00- Payments, Credits and Adjustments ;109.00 Transattions ;35.00 Your scheduled payment has not been received. Please remit the amount due appeazing on this statement. If Finance Chages 539.97 you have already made your payment, please accept our thanks. New Balance ;3,690.21 Ttartsae[ions ,;\4inimum fln-~ouni D~;r $22 L00 Payment Due Date September 19, 2006 2 19 AUG PAST DUE FEE ;35.00 Total Credit Line ;4,000 Ycux account is one uayment belied. Remember ±hat malting your mitiunum payments by the due date, kcelrs Total Available Credit 5.00 you account in ;coocl :7andittg. ~t'];eu you Hiss a payment, late fees start addin, op.:'lnd u~~bodv wants :hat. Credit Line for Cash ;4,000 Sc make sse you send in rl:« minimum amoul:t due: on yens statement o ke.} yo'-r ~ !mt n; ~~ 1 ranli,t;• Available Credit for Cash 5.00 and r> keep frcnn patiu>f: cn:~as Ices. At our service ""Important Notice" Under the terms we previously disclosed w you, your account is now y eligible for an inaease in Annual Percentage Rates (A.P.Rsj effective immediately. However, To all Cusromer Relations or to report a lost or stolen nrd Capi[al One has elected not to rain your A.P.Rs at this time. Please be advised that if you fail to 1_~0_955_'~Q']Q keep your account in good standing, Capital One reserves the right to ruse your A.P.Rs in the future. Smd payments to: Attn: Ranittan« Processing Send ingwria to: You were assessed a past due fee of;35.00 on 08/19/2006 because your minimum payment was not Captal One Bank Cap rat One received by the due date of 08/19/2006. To avoid this fee in the futtue, we recommend that you P.O. Box 790216 P.O. Box 30255 allow at least 7 business days for your payment to reach Capital One. St Lows, MO G3179-0216 SLC, UT 84130-0285 Imvorrant Account Information Take control and start paying your bill online for free. Eliminate the hassle of writing chedts, fending stamps, and sealing envelopes. Everything you need to access, review, and pay your bill is available online. Our website offers you a convenient, simple, and secure way to manage your account. Visix www.capitalone.com and register your account to start simplifying your life today! Finance Charges Pleae rte reverie ride /or important information rv'n Ba! *aer Prrodu Cm.. ~dasg ~~~`~ .~piirJto rats A 1, PURCHASES 53,648.67 .035344,P 12.9096 (39.97 CASH 5.00 .065219f~P 23.8096 5.00 ANNUAL PERCENTAGE RATE applied this period 12.9090 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4862362630717232 19 3690210109000221007 New Balance 53,690.21 Minimum Amount Due 5221.00 Payment D+n~ Date Septemlxr 19, 20u6 Total enclosed E Account Number: 4862-3626-3071-7232 Capital One Bank P.O. Box 790216 lllulnllllilunlll~ St. Louis, MO 63179-0216 Illlllllllllllllll 11111 11111 lllllllllllllllllll 11111 ll lllllll Please unite your account number rm you TAKE CONTROL OF YOUR 059 CREDIT WITH CAPITAL ONE® Your account is permanently restricted from future purchases and cash advances. But, it's not too late to prevent damage to your credit. We want to help! P/rarrpn',st mailing oAdrrn arses r-mau rAmsgrr brlw mirsgb! orti! rf in.E Sweet Apc k City Smote ZIP Home PMne Altaaate Ptwne ~ #9023235852124169# MAIL ID NUMBER JUSTIN G WEARY ~ PO BOX 96 MOUNT HOLLY SPRINGS PA 17065-0096 N ~ 111 ll ll 111 ll lllllllllllllllllll 11111 11111 lllllllllllllllllllll check m money order made payable to Capital One Bank and mail in the enclosed envelope. r 8 O m [~) j ¢~I r ~[V ppeeriodc rate. To obtain the average daily balance for the hillirg Period covered by this mateman, yye take the beginnrq bdance of each segment each deV, add any new trereaatlOre t0 each aegnan, end sWIreM any peymem9 or credta. 111 the code N eppeare m the tram of this s[etemerrt nerd to 'Odance Rete Applied To,' yye also srbtum any upaid flrerae charge irttluded in the balartce of each segmem.l TNS gives us the daly balance of earn segment. The we add W all the daily halarrces for cern aegnent to the NYing periotl and defile 6y the total rxanber of days in the billing period. This glues ua the veryggee daily balance of earn eegnenl. 3. AnaW Paroarfapa Rotas IAPRI- a. The tens 'Annual Percentage Rate" may appear as 'APR' on rite from of this statement. b. If the code P (Primal, L p-mo. LIBOR), C ICenificate of Deposit), or S (Bankcard Primd appears m the from of this matemem next to the periodic rate(s), the periodc rates eM canespmdng ANNUAL PERCFMAGE RATES may vary quanedy and may increase or dxrease based on the stated indices, as found in The We!/ Street Joume% plus the margin ppreviatdy dsdosed to you. These chaoonnddggeea w1Y ba effectlve on the first day of your bill mmtha Janus hY Your pedodc Satement endng ry, Aprll, JJy and October. c. If the code D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Ropriced MantNy) app0ors m the from of your stetemem raxt to the pedadit role(s), tM pedOdG roles and cerrespaxprtg ANNUAL PERCENTAGE RATES may vary mondly and may increase or decrease based m the stated indces, es fount in 7hc Wel/ Sheet Joamel, plras the margin previously dstlosed to you. These changes will be affective m the first day of your hillirp period each momh. 4. Amasanrrrt oT Lets, Ovarinl[ ertd Ralrsraed Perynart Faso. Vwr accent will be asaeased no more than two of the fees listed bare that occur during any billirg period. Under the terms of your customer agreemrxn, we reserve the rigor to give or not to assess ony tees witfaut pp ratification to you without weivirq our right to assess they aroma or simller fees at a later time. 6.tRarasrdrp Yet Accer[. If a membersNp fee appears m the front of this statement, you have ~0 days from the date Wa statement was mailed to you to void paying the fee or to have such fee credited to you if you cancel your accent. Durirq tNs period, you may CMtima IO lrae ymur 8ct01a11 Wi1hOUi haying t0 pay ihC membership fee. To cancel your axant, you mull notify ua by calling our Cumaner Relations Department and pay your 'New Balance" in fill lexcludng the membersNp tee) Prior to tta end of the thlny-daV period. 6. IT Yw poaa You Aaoead. Vou can request to close your account by calling our Customer Relatiara Department. you must desvay your credt card(s) and c amt access checks, car[cd all preauttarized billing, end ceam usirt4 your accent. If you do cwt caned preauthorized filling anargemema, yve will caalder recdpt of a charge your emMrization to reoppen your accerm. Additiaally, your acctxan will not be clomd until you pay all emouma you owe us iraludirp: any treraamiore you have authorized, prance dargm, post tlue fees, overiimit fees, rmumed payment fees, cash advance tees end any other fees assessed to your axant. Vou are responside for these ements wiaMer they appear on your accent at the rime you request to clam the accent or they are incurred subsequent to ch%~ reequest to dose the acceutt. This may result in g ppeedng m your eceent abet you have your xcant it ft has already been dosed. For example. if you auttorized a purtlase from a merchsm and we receive the trereactlm free the mordant altar your aceent has been tloaed, your accenn wgl be reoDmrod, the amoua of the Barge wip be added ro your aceent, ertl you will be resportaiMe for paymem. If them is o membereNP fee for your aceent, the fee wYl rxxttiea m be tlwrged, to rite extern ppemN[ted by law, rercil rho aceeex balance laa 6cen paltl in fiN as deflrad above. 7. Uaiq Year Aaoaud.Vour card or account carnal be used in cmwY.-tlm whh any kt[emet gammlrg [rereamkxa. 8. Nofioa About FJsobarrio Chaok Corwara(ora. When you provide a dock as paytnent, you authorize ce either a use information from your dock to make a as-dmo demrelr. fund trerefcr from yar bank accent or m process the payment as a check treraecdm. When we ins infonnatian fran your dxxk to make an dectrortrc ftnd [rarefar, fiafds may be withdrawn from your Wok eccant as nom ea the same day wo rerxlvo your peyrram, and you wiN not recdvo your dtock beck from your fireixael ire[iturim. BILLING RIGHTS SUMMARY Iln Case Ot Ertore Or Questiore Abdul Vwr Bllq If you think ymtu 6111 is wrag, or it you need mare Informatlon on a uaruactlon or 6111, write ro us m a separate alaet as noon as poasitle at the address for rpuiriea shown on the hoot of 1Na statement. We mutt hear from you ro later than 80 days after we seen you the first Np m whim the error or problem appeared. Vou can call our Custaner Relations number, but ddng so will rat preserve your rigma. In your letter, give ce the idlowing nformadon: your tame end account number, the ddlar oment of the suspected attar, a description of the error end an explsretim, ii poasihle, of wNy you belie~,e tMre is an error; or if you toed more Iniarmat m, a deacdPdm of the Item yrxr are unsure ebotn. Vou do rat have to pay any am tin tlueatlon wNle we are investigating h, hrn you are still oblil)ated to pay the ports of your bill that arc rat n quesrim. Whit we investigate your q sdon, t ~epon you as deNnµrent or take any actim 1o cdlect the amornt you question. i,t Spedal Rule Tor Credt Card Purrneaes If you lave a problem with the quality m property or services that you purdased with a credt card and you have tried in good faith 1o cortect the problem wish the merchant. Vou y have tla right rat 10 PaV the r aiNng emanl due on the properly or services. Vou have tNs proteetion aMy vNten the purdase price was more than 350.00 and the purdase was made in your home store or within 100 miles of your moping addrom. (Ii w+e own or operate the mercham, or ii we mailed you the advertisement for the propene or services, all purchems re covered regerdem of amount or location of purchase.) Ream remember to sign all certespondence. i' Does rot eppty to consumer con-crodit cent eccamts I toes rot apply to business noncredit cent accounts One aPporta intomallon privacy prmeaian: see our ~ at www.capptalore.can. One is a faderapy rey~~stared service mark of Capital amdd GOrporetion. All tt~tt8 remfyad. ~ 2003 Ona 01LGLB4K Vag A rnBrlOa urerye. ta. traw NkW. Vau will lave a mirimun grace periai of 25 days witl[art finance dagle to new purdases, rew balerae trarefere, new spedal punyrases and new other dlargm if you pay your total 'New emarae', in exaderoe with tl[e Imponem Nonce for payments below, and h time for h [o be credtetl by your next sutement tloskg date. There is ro grace period m cash advarrEs and specal trerafere. In adddon, there is ro grace period m any trereac[lon if you do rot pay the tarot "New balance.' 6. Aaarrip Fkvwa Chvga. Trareemiare wRlrn are rat slgect to a grace period am assessed flrerae Barge 11 from rite date of the varaectlm a 2Y from tM date the treraecdm is processed to yotr Atx:otnt or 3) fran the first celender daY of the arrtan bYl'uq pe oil. Addniaally, 'f you rid rot pay the 'New Balance' from the previoam billirq period in fill, finerae tllerym tandrvao to accnae [o your ta[Daid balance tettil the uaaitl balarae is pdtl in ftll. TNs meare that you may sdY owe finance tllarges, even if Vou paY the emire New Balance indcetetl m the ban Of your me[emtxa by the roe s[etemen[ dosirg date, but did no[ do m for the prevfota mmth. Urtpeld flrence tlarges dried to da apglcede sagnem of your Aaatrnt. j' c. ~tF ~~ to Fa~~b~Illang period riot rte, a midmun foul RNANCE t?WFLGE of x0.50 will be irtrpoaerl. If the [oral flrence Barge reaidr+p from fife applicatlon of your periodc raee(s) is less then &0.50, we will sumram fiat amotett from da 40.50 mrimun and the dffererae will be Nlled to the purdrase segnern of yar accent. td. Tlnparry Raxkration it Fnanoa ()rarq We reserve tfa ri~rt to rat amens any or all firence daryes for any given billing period 2. Avarega DaYy BYanoa Ihakrdig Naw prdusaal• e. Rnence charge ra calaiated by mJdplyang the daily balance of earn segment of your erxxxra (e.g., cash advance, purcase, apedal trerefer, and special prudam) by Me certesporrMg Belly periodc rote(s) dot has been prevkxdy dadosetl [o you. At the end of earn day during the NINrg period, we apply the dopy periodc rate for earn sent at yerr axon[ to da dilly bmarae of earn setTnent. Tian m the erN of the biprng period, we add up the resdts of dreae deYy celaieriora to artive at your alto fromfireroedr~rye for earn sapnem. We add tq the firerae da ~rsagnent to artive at rite [mat periodc rge your accent. To get the daily balerae for earn sepnax of your aceent, we take the begimirq balance far corn segnem and add any row traraacdore nil ony periodc finance dlarge calcula[ed m the previan day's balance for that segment. We then aubtrem any payments or cred[s potted m of [I[ot day that am alloceted to dot segment. This glum ua rite sepaate dally belerae for ea h segnen[ of your axon[. Nowewr, if you geld the New Balance shown m you previes matomem h full (or if ywr new balance was zero or a credt eman0, raw traaectiore 1Mtitl[ post to your purchem or spedel purdaae ugnmus are not added to the daily bmaraes. We celcJate the average daily belarae by addng ap the daily belar[cea together ant dvidng the sun by tlae norther of the days in the currurc hilkq cyce. To celedme your renal firertce dterge, mUtiply your averega daYy balace by the deity poriodc rote and by the ember of days kt the biging period. Due to reetdng m a daily basis, stare may be a sYght variance ben+mal iNa celelatlon and the amain of flrertce Barge actualy ememed. b. If the code Z or N appaem m the flan of ttis sutement rent to 'Bdarce Rate Applied To,' we mJ[iply the Inrrptloart+~~ '.mP1atty~ een~mail to us will be credhetl to your accem ea ai the buelnesa day wa recelve h, proNded (1) you send the Dottan portion of this natemant eM your Brack ape ono (2) your Payment is rexelved in our prose sire comer by 3 p.m. ET (12 noon PT). Reese allow at least gee (5y business days for postal delivery. Payments received by us n any other locatlon or m any otMr faro may not be creoitad es of the dsy we recdva them. Our buanam days era Monday thrwgh Saturday, exdudrp hdidays. Reasa do not use staples, paper dips etc. vdten preparing your paymem. When you send ua a check(s), you autfariza ua to make sane-ume dectroric «anafer debit Fran ywr bank us to make a clumoun of the clack TNs authorization epplioa to all checks received during the billirq cycle aeon it sent by saneme dm. If we cannot procem the transfer, you evthodze W gainer your bank acoo[m uairg the check, a paper drab or other ham. CapitalQy~• what's in your wallet?~ JUSTIN G WEARY TAKE CONTROL OF YOUR 05~ CREDIT WITH CAPITAL ONE® Your account is permanently restricted from future purchases and cash advances. But, it's not too late to prevent damage to your credit. We want to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2006 Capital One Services, Inc. Capital One is a federally registered service mask. All rigbtt reserved. 059-07754 Cap/fa~' Account Sum Previous Balance ;3,69021 Payments, Credits and .4djtutments £50.00 Transactions ;35.00 Finance Charges ;62.06 New Balance ;3,737.27 :til'urirmvn r\n um Dce E2R.3.~~) Payment Due Datt October 19, 2006 PLATINUM VISA ACCOUNT 4862-3626-3071-7232 AUC 20 -SEP 19, 2006 Page 1 of 1 Payments, Credits and Adjustments 1 21.4UG PAYMENT RECEIVED -THANK YOU ;50.00- Transactions 2 19 SEP PAST DUE FEE ;35.00 Cori rr mhind ,rv iu- pat n~~ents, hts .atl,. ;I ..;u're lvchm .via„rit •Iditauiies and rani maim vmu~ minimum rayn+.cm . we wan.. to '.tclp. 1.. i s •s .,k torr.~hrr _. fi .d a soution tl-iai. wor! ~ bcsi (-a~ you. Civc us a :all at 1.8(i .ii5.7i1'0. Total Credit Line 54,000 Total Available Credit 3.00 NOTICE: Look for a new statement design for your Capital One credi[ card beginning next month. Credit Line for Cash ;4,000 A summary of the key changes will be provided with your new statement. Available Credit for Cash E.00 "`important Notice" Under the terms we previously disclosed to you, some or al] of your Annual At your service Percentage Rates (A.P.Rs) have been increased since your account was past due twice in the past 12 billing cyder. Remember: If we receive your minimum monthly payment on time for 12 To mil Customer Relations or to report a lost or nolen mrd: consecutive billing cyder, this account will bt reviewed for a possible return to your Non- 1-800-955-7070 Introductory.4.P.R Send payments to: Send inquiries to: Attn: Remittance Procxsurg Capital One Bank Capital One P.O. Box 70884 P.O. Box 30285 C),arlotte, NC 28272-0884 SLC, UT 84130-02A5 Important Account Information Beginning October 1st, 2006, based on your azcount activity you maybe assessed more than two ]ate, overlimit, or returned check fees that occur during any billing period. You were assessed a past clue fee of £35.00 on 09/19/2006 because your minimum payment was not received by the due date of 09/19/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Please see revere side for important injormafion ~ Bad ran " Prriaair Ca*sspondirsg FINANCE vdto N g+pe rat .f CCIIIIAAIRjGE$ PURCHASES 53,671.77 .054529£, 19.9096 562.06 CASH 5.00 .0545294 19.9096 5.00 ANNUAL PERCENTAGE RATE applied this period 19.9096 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~ 0000000 0 4862362630717232 19 3737270050000283000 New Balance £3,737.27 Min'unum Amount Due ;283.00 Pavment Due Dale Onob~~ 19, 2006 Total enclosed E Account Number: 4862-3626-3071-7232 Plrarrprirstmcil4ngaddrrnarsd r-mailr)uagrrbrleerm4ngtiiurartilar4irsk Sweet .Apc M City Sr,u ZIP Home PMne fdarnsu PMne #9026335852124164# MAIL ID NUMBER Capital One Bank JUSTIN G WEARY P.O. Box 70884 Itlulultlltlnnltll ~ ~ PO BOX 96 n MOUNT HOLLY SPRINGS PA 17(165-0096 Charlotte, NC 28272-0884 0 lultllulntltllutlultlllutlultlnlnlullululullutll ~ IntlllutlllunllutItltllutllutltlutllultlntllnntlll Please write yow account number on your check or money order made payable fo Capita! One Bank and mail in the enrlared envelope. r 8 O O y N I ~.-N ppeeriodic rate. To obtain the average daily belaae for the hillirq period ceverod by this statement, we take the begimrq balance of each Bagman each day, add any new transactions to each segnrnt, and abtraa any payments or credta. gi the code N appears rn the irant of tNs atetement next to 'f3dance Rate Applied To,' we also arbtract any upaid finance charge irxsuded in the balance of each segmem.) TNa gives ua the daffy 6alence of each eegnem. Then, we add ty ell the daily balances for each aegnemoTO~the Nping pero0 and dNde by the total ye in the tilling period. TMs gives us the rxan ge dilly balance of each aegnrnt. 3. Amd Praaritape Raba IAPRI. a. Tfn term 'Anmal Percentage Rate' may appear as 'APR' rn the front of this atatemem. b. If the code P (Primal, L 13-mo. LIBOR), C (Certificate of Deposh), or S IBankcard Prime) appears an tfn fran of this sntemem nen to the periodc retelsl, the periodc rates and certespatd'irg ANNUAL PERCENTAGE RATES may vary quarteriy aril may increase or decrease based rn tin stated irxfices, es found in The Wall Street Joumel, pus the margin ppreviady dstlosed to you. These dorrgqea w/ll be ettecilve rn the first day of your hiNing period covered by your periodc statement endng In tln months January, Apd, JWy and October. c. Ii the code D (Pdme), F (1-mo. LIBOR) or G (3-mo. LIBOR RepriceO Mrnttly) appears rn the irant of your statemrnt ron to the periodc totals), the pentode tarn end correapadirg ANNUAL PERCENTAGE RATES may vary momNy aril may increase or decrease based rn the stated indces, as found in The wa// street Jaurrte% pks tin margin preylotrdy dadosed to you. These changes will be effective on the first deV of your hiNirg period each mash. 4. A««vrwut W Lots, Ovarimit ant Reannd Prymert Fe«. Vour eccolan will be assessed rte more flan twn of the fees listed hem that occur during any dltirg period. Under fire terms of Vour customer agreement, we reserve the fight to r not to assess any fees wlthan pp rotiflcetirn to you without waiting our right ro assess they aname or similar fees at a later time. 5.tRerwwdttp Vet Aaaouk. If a membetaNp fee appears on tfn from of tMs statement, you hove 30 days from the date [Na statement was mailed to you to veld paying the tee ar to have such fee credted to you if you cancel your account. During tNs period, you may continue to use your eceant withom having to pay tin membership Ice. 7o cancel your account, you moat n tify us by calling our Customer Reletiona Depertmrnt membetaN u feels riorato [tre tendf of tfa thin~da~ 6. If You Cbsi Vary Aeattun. Vou con request to q~enotl. yarn nmcent.tYOyu mills Bdesuo~~er Relatlaa ca~ortnt access checks, cancel all prerau[fwrixed billing, and c irk your account. If you do not cared preautlcrized filling arrengementa, vve will ceroidor recdpt of a charge your eutfnrizatian to reopen y accorm. Additionally, your accent will not be dosed until you pay alt amounts you awe us induding: any trensaaioro you have autlarized, finance Wrges, Past due fe«, ovedimit tees, resumed peymrnt fees, cash advance tees end any other fees easesaed to your cant. Vou are reapasible tar these amounts whether they appear rn your account at the time you request to close the ecceatt or they are Incurred aubae9rcm to your request to dose the accoum. TNa may resWt in merges appearing rn your eceanf after you have your octant if it las already been dosed. Fw example. if yar atNnrized a purtlnse from a mertlaant and we receive the trernecrirn from ttn merdant afrer your octant has bcen dosed, your arxars wgl be reopaneU, the amain of the dtarge wiY ba added to your octant, end yyoouu will be resporsiNe for peymem. If them is a membeship foe (or your aceoun, the fee wGl cen[irxae m be tlarged, to the anent pendtted bV law, tntil the ecrn[nt balance fns barn paid in lull as deflrnd above. 7. Usbg Yar Aorwrad.Vax card or account cannot be used in <xarnalm with arty Imerne[ gambling trereaabro. 8. gotfee About Eleoberio Chaok Cazvrefm. When you proNde a deck as peytrnM, you audnrize us dtMr ro use information from your deck to make a onetime darxrodc (trd trerefer from yar bank ecce[nt or to proc099~ ~ym~ as a deck trereaerirn. When we your check to make an dectrottic foil transfer, futdi may be wirldrawn from your bank BCCant 89 90rn 8a the game day wC rerxilve your paymern, and you will not receive your deck back from your fnendel iredturirn. BILLING RIGHTS SUMMARY lkr Case Oi Errare Or Ouestirns Aborn Vour eitq Ii you mink your bill la wrong, or ii you need more intameilon an a treraactirn a bill, write to us rn a separate sheet as soon as posdde a[ the addre« Tar irpWriea shown rn tM hart of this atetemrnt. We must hear fran you ro later then BO days after we sort you the firer bill rn which the error or problem appeared. Vou can call our Customer Rdeilona number, bun doing so wig rot preserve your rigMa. fn your letter, pvo ce the ftllowing intamailrn: your tame and accent number, the ddler amount of the suspected error, a tlescriptirn of the error and an cxpNnation, if poedde, of why you believe there is en error; or if you reed more IMamatlrn, a description of the item you ere unsure about. Vou do rot have to pay any amount in quostirn wNle wo arc Inwatigeting it, htn you rc silty odigated to pay the pons of yours NII that are rot in quesilrn. WNIe we invesugstc your question, we carmt report you as ddinq[tent or take any action to cdlect [he amount Vou 9rnsilrn. !, f' Spadal RWa far Cradt Cerd Purchases If you have a problem with the quality of property or scMces that you purmased whh a credt card end you have tiled in good faith w correct the pradem with the merdnnt, you may have the right not to pay tfn remaiNrg amount due an the property or seMCes. Vou have Ws protection oNy when the purdase pnce was more than 550.00 and the purchase was made in Vour home state or witNn 100 miles of your mailing address. (II we own or operate the mercham, or if we mailed you tfa advertisement for the property or seMCes, aN purtltases are covered regarde« of amours or location of purchase.) Reese remember to sigi all ceneaprnderoe. 1' Ones not apply to consumer zwncredr7 cent accounts i Does not apply to business ran-uedit cent ecrounts One aly(rorts iniormetirn privacy protection: see our at wrrN,ccaappWtal~oro.cem. Ona is a federally rogistared aertice mark of Capital ~al Caporedrn. All rights reserved. a O~LGLBF.K ta. (lraee Priori. Vw will have a mirim[m grace period of 25 days whfxxa flrortce charge rn new purmeaos, new bdartce trerefere, new spedal purgases and ttow other darges if you peY your total 'Now [iabrne', in atx»rdence with the Important Notioe for paymems below, b in time for it ro be crodted by your nen sretemeM cbeing date. Thom is ro grece period rn cosh advartces aril spedel traretets. In add[ion, there b ro grece period rn any tratnactirn if you tb rot pay tfn teal "New bslence." b. Aaanikrp Fktarroe Charge. Trarsealare which are not s[gect to a grece period are assessed flronce dntge 11 from the date of the trarsectlrn a 2) fmm the date the tretreaction is Drocessed to yar Accent or 31 from the firer celertdar deV of the currant bilNq pedoil. Adtitiaally, 'f Vat did rot pay the 'New Balance' from the previes hitting period kr fill, firence dterges cattlrwae to acenn to your upeid balance unit the upeid balance is paid in fWl. TNs meare that you mayy Brill owe once daerges, avrn if you pay the endre New Belenca kndcatetl m the front of your statemem W the ron aratennM tlodng date, but dtl not do so for rite prevkxs marsh. Uryaid flrarxxs Uaergas added m tfn a raNe segnrnt of your Arxant. 'r c. klirirnaen Pirrone .For each billing period That your octant is stgect to a flraarrca darge, a miNmun [ofd RNANCE CHARGE of 50.60 will be imposed. If do [o[d flrorxx• large tevltlng from do applkatlrn of your periodic rate(s) is less tlan 50.50, we vhll sibtrsct tint amount from the 50.50 miimrm and the dffererxx; wiN be dNed to the puadase segneM of yar ats;ant. t d. Tarrparry Rerkrotiom it rroe C1nrg We reserve the dye to rot assess arty or all fironce tsnrges for any given bilii tng period. 2. Avrage Defy Balanee IhrekdNg New Rrah««I. e. Faeroe charge is ralcWated by muslbplyang the daily balance of eam segment of your accent (e.9-. cash advance, purt3nsa, spedel trenafer, aril speed purdt«el by the certespading deNy periMC rate(s) that Fns Dern p~vkxsly dadmad to you. A[ tfre std of each dsy during keg period, we eppy the daNy periodc rem for cam segnrnt of yore accaax ro the daNy bdertce of eam segment. Tlrn et the end of the Niitg period, vre add up the realty of theso dairy celalatian to ertive at your periodc fimnce dtaarga for cam se0nem. We add [P the raxlts from eem aagnax to arrive at the total periodc firanoa charge (or yar accent. To get the daily bdance for eadt Segment of ywr accaru, we take the beArvting belanoo fw eam 9egneM ant add any new traraacriore end any periodc finance dnrgo calWated rn itn previes days bebroa for Chet segnent. we tlnn subtract any peymenm or cradts posted f tfnt day rfnt ate allocated [o that segnem. This gives us the xperate daily balance for eem segnem of your aceam. However, if yar peitl the Now Balance sfrown rn yea previaa statoment in fWl (or If your new balance was zero or a credt amaax), row tmneacrioro wi:m poet to your purcase or speed c~alatbte Mme a~ve e a dad bebrrce tithe daily balarrees. Wa baWrcas t W Y Y riding dl tfc daily ogether and dvidrtg the Ban by the ranter of tfn Jaya in the aarrrnt biting tyae. To celcWate your tad firortce drarge, mulriply your average deiy balance by the daily pe'ode rate and by the ember of days in the Ming period. Duo to raaxlrg rn a daily bads, there may be a sNgM variance between tHS ralalarirn aril the emoum of finrtce merge eC[uaiy assessed. b. It the code 2 or N appears on the from of Ws satemem roe ro'liderce Rata Applied To,' we mWtldv the krportard Notloe: Paymems you mall to ue will ba credited to your ecceurt as of the badness day we recelye It, proNdatl 11) you aerd Na bottom portion of eras natemem ant your meek m the enclosed remittance rnvebpa and (2) your paymem Is recdvod In our procesdng Daman by 3 p.m. ET (12 noon PT). Please allow at least five 15) business days for Postal delivery. Payments rocdved by us at any other locatlon ar m any other form may not be cradted ea of the dayY we receive them. Our buaineae days are Monday through Saturday, excludng holidays. Reese do rnt use etepl«, paper dips etc. when preparing dour paymtrm. When YOe sand ua a meckls), you autfarize ce to make aorta-ume deetrorae transfer deGt from your bank accarn for the amain o11he check TNa authorization apgl« to all checks raceved during the billkg eyrie even ii sent by samearn doe. It we coma procaw the nenafer, you arnfcriza us to make a darga agaira[ your bank acearn uairg the deck, a paper draft or other item. ° +~ ° I o o o o w I v o t7rno w oo a~ I •• m ~O~ I 2 ..1 .1 01 Oi O Q m I l0 r•I a' a' W .. W V1 V I V ~Z a Q I z w l7 Q a O O ~ N X \ 1-1 ~ r-I !-I \ e ~ ~, o NI I o ~ N O ~ O O N \ 0 0 o N N \ ~ M ~ O E" m 0 w w J H g H N Q LL w J } V Z O J H H a Q U rn W } V 1' H I a w 1~ Q K 1 O I W OJ••LL 00 I •• N J VI X •• O O VI 01 Q Z ~ N O O I Zrl a'H Ho' OO O I H O J W~ O O U Z Z I- O •• V a'00 w I V •• li Z d00 Q W •• w Q Q T 01 0 0 ~ 1 V1F-O 170d' \ Z QOZ I ~ KQI OI U I Q O • H O Vl C.-1 .-1 Z K 1 0 (/1 W Z O O O 1~ n I F? O~ H V O O ~ V F O O I W000 Q OC 00 QNN V = OO ~ ~ ~ QTO O I 7 I /1 • 00o ma' I m o woo I w a••o ~ Noo 1 oc wH aoo zoo o ••.-+In I moo ~ I LL J O O W •• O l++rn 1 ~ J~ V h M 0 g M N 1 W Q•• V O H Z l0 O Q W I J I S O 1 I IL x o F a o 1D o vl ~ z I ao ¢ ¢ Q Q Vm a d I W ~ ~- Z •• V I In O ~ O Z ••l7 ••OW••H Q I V10CWOKg 1 ••J ~ m 1 F•d170 d'U W Q ~ V a 3 1 w w I / I V I Vf W H o'ZQ g V 2 J I 3 N O O HO NZ 1 WO •• ••O J~-iN 2 I-=O•• QOO 1 V100H VOd' ••m00 H O 1~ g F- O W Ul F- O O Z 1 J •OOHQ LLH O b'1J 3 ~ 0 I ~Z 2b 1 ~ ^ w xzwQ a I ~ Q••3F o l w UoGO U N a o l z In I v o o¢ •• rn 1 1 O I H O •• '-1 F Ulm ~S F I K~ O ~ H W Ul Q d l VI g VI W Q to 2 Q ro u 1 Z Z Z Z L C' W •• W UL W W W 1 to g i vl g w l!_ NH} maw ~ro LL 1 dU d Q H Ne Oml 7 W I I~ W W W •• 7 g rl ag Jg DH 1 v Z O~ Z I H~ O VIW IOZZQ 3•• Q~ I W z N f n.0 l i t O fF 1 W N QstO ~ I loa~nw ••O 17 ao •cw ~ 1 v~~„Ut-..Q.. ~ mrl Q}xd w 1 ~k •N OaUJ m o rl -O 1 0 w ~ I oC OO ~tO W V Z O ~ QOb•10 VIA Z I V - VOC •• ~ J Q } W I ~ U Z N F VI I ri O O O Z ~ I ri O OC • • H Q W O ••Y W G•'10 ~LL 1 1. ••zzz } am Qw to ••ooQH z In to oz I ~ .. ~-J VI mJ Q 01 o of=w 3 ~° O I z•• o •• Z H K N ~ J v'~ H I ••JQJa ••~ V• Ol Oto I- W1~1~ p Q J I~ Z ~ H 20 V F-00 I H m Q F J I Z X n Q Q O O I I mH••••OW HOHrI VIONN 1 F-> I ~ 22m F-mZ ZZ01 Cl U W 3 W U U I O VI 7 Q Q ri r-1 I uocw~azxz oooQln~zvv Q a z V F- Q m a n a g a~ F F 0 0 1 r•1 Gl a ro a ~ ~ First 3 months half-price 97* a month; after SIGN UP TODAY: ' 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade peoplepc~~ online ~ Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email'~rus Protection (e~ Pop-Up BlockerT"" Spam Controls Smart Dialer Phisher Security Internet Call Waiting ~aplta Account S Previous Balance E.00 Payments, Credits and Adjttsunents E.00 Transactions E700.00 Finance Charges L.00 New Balance E700.00 Minirnttm Amount Due E21.00 Payment Due Date September 18, 2004 Total Credit Line E2,000 Total Available Credit (1,300.00 Credit Line for Cash ;2,000 Available Credit for Cash E1,300.00 At your service To caB (lastomer Relations or to report a lost or stolen nrd 1-800-955-7070 Srnd poyments to: Srnd inquiries to: Attn: Remittance Processing Capital One Services Capital One Servios P.O. Box 85147 P.O. Box 55015 Richmond, V.A 23276 Richmond, VA 23285-5015 PLATINUM VISA ACCOUNT 4862-3624-6701-1626 JUL 20 -AUC 19, 2004 Page 1 of 1 Payments, Credirs and Adjustments Tralsactions 1 18 AUC SPECL4L TRANSFER PROVIDL4N E700.00 F'itlance Charges Pleare ree rev erre ci d e f or important inf or mat i on rate Peradu r y m ~ C ~8 ~ ` / ~ ~ ~ dto rot .f PR A1(l: ~ PURCHASES f.00 .0243896P 8.9096 f.00 CASH f.00 .0542596P 19.8096 f.00 SPECL4L TRANSFERS 145.16 .00000":b .0096 5.00 ANNUAL PERCENTAGE RATE applied this period 0.009'0 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~~ 0000000 0 4862362467011626 19 0700000000000021008 New Balance E700,00 Minimum Amount Due (21.00 Payment Due Date September 18, 2004 Total enclosed E Account Number: 4862-3624-6701-1626 Capital One Bank P.O. Box 85147 ~u~t~n~t~t~~uu~t~~ Richmond, VA 23276 ~u~t~n~~ns~t~~ns~t~~u~~u~~~ut~~unn~~t~n~~ns~~u~t~ P'casrprirat,..oiling adl ru and .•-».oii rhvngrr belovu usirzgtiiur orbl r{;nk Sweet Apc Y Ciry Stan ZIP Ahemane Phone ~ #9023366750064484# MAIL ID NUMBER ~_ JUSTIN G WEARY ~o 19 TRINE AVENUE MT HOLLY SPGS PA 17065 ~ ~ r Pleare surile your rurounl number an your check or money order mode payable to Capital One Bonk and mat: in the rne.'eued envelope. • ~3 ~ ~ First 3 months half-price peoplepc®online . ~ / ' u Abetter way to Internet. ~ ~ ~ ~ PeoplePC Online offers the features you would expect from higher-priced Internet Service a month; Providers at half price for the first 3 months! E8.05/mo. Utereafter' Email Virus Protection ® Pop-Up BlockerTM ~ Spam Controls 48 2467011 6 SItiN UP TODAY: Smart Di l r ' TIN G W 1~ a e 87 7~7'j8-127 INE AV Mention Offer Code: ONYX ~ Phisher Security OLLY PA 170 -11440r vi sit www.peoplepc.com/go/onyx ~ Internet Call Waiting ~ ~ ~PNa~ f1~ PLATINUM VIS,4 ACCOUNT AUG 20 -SEP 19, 2004 4862-3624-6701-1626 Page 1 of 1 Accotmt Summary Payments, Credits and Adjustments Previous Balance E700.00 1 11 SEP PAYMENT RECEIVED -THANK YOU E50.00- Payments, Credits and Adjtutments E50.00 Transactions E147.75 Transactions Finance Charges E.50 2 09 SEP COCONUTS #1220 CARLISLE PA E21.19 New Balance E798.25 3 13 SEP WM SUPERCENTER MECH.4NICSBURG PA 36.99 Minimum.4mount Due E23.00 Payment Due Date October 19 2004 q 13 SEP ROLY POLY MECHANICSBUR MECH.4NICSBURC PA 5.(}4 , 5 14 SEP 0201 SHEETZ 00002014 MECHANICBURC FA 24.50 Tots] Credit Line E2 ~ 6 16 SEP G.4MESTOP #1845 CAMP HILL PA 52.99 Tots] Available Credit E1,201.>5 7 19 SEP MINIMUM -FINANCE CHARGE .28 Credit Line for Cash E2,000 8 19 SEP PAYMENT PROTECTION 1-888-527-6904 7,Oq Available Credit for Cash E1,201.75 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed At ourserv ce to your Capital One credit card based on your month-ending account balance. If you have any questions, y t please call the customer service number listed above in the vansactions section ofyottr statement. To till CWstomer Relations or to xport a lost or nolrn cord: 1-800-955-7070 Send paymrnix to: Send inquiries to: Attn: Remittance Processing Capital One Services Capital OneServiees P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information .ore you registered to vote in this yeaz's general election? It's not too late! There's still time to register, so go for it. Yota vote can make a difference this November. Call or visit yotu local voter' registration office or go to www.everyvotecounts2004.com to make sure yota voice is heazd. Every vote counts! Finance Charges Please tee reverre tide jot important information m aa/ rat Pm'adu Cm+e~,rdsg FII~AN~E ' m app irdto tar.- A CI-IAli E ep PURCHASES E28.60 .02438%P 8.90% 3.22 C_4SH E.00 .0542596P 19.8096 E.00 SPECLAL TRANSFERS 5685.48 .0000096 .0096 5.00 ANNUAL PERCENTAGE RATE applied this period 0.8296 • PLEASE RETURN PORTION BELOW W1TH PAYMENT C~ar~M 0000000 0 4862362467011626 19 0798250050000023009 New Balance E798.25 Minimum Amount Due E23.00 Payment Due Date October 19, 2004 Total enclosed E Account Number: 4862-3624-6701-1626 Capital One Sank P.O. Box 65147 ~~~unt~t~~t~uu~~t~ Richmond, VA 23276 ~u~t~n~~m~t~~ns~s~~n~~m~~m~~nuu~~r~n~~u~~~u~s~ Pleare uniteyoro account numbs on you; P/rm~rp,;atmat!'xgaddnna~ rbrcailrlxxxgrrbe! aixgbl orblarE:n.E St«t Apc Y City Smm ZIP Home Phone Alternate Phone #9026386750064481# MAIL ID NUMBER ~ JUSTIN G WEARY ~ 19 TRINE AVE ~ MT HOLLY SPGS PA 17065-1144 ° ~ ~ut~~~m~~~un~~nt~r~tm~~m~~r~u~t~n~m~~~r~uus~~~ rberk ar money order madepayable to Capital One Bank and mail in !lx endued envelope. r The Deal You've Been Waiting For ... n~oroRO~ f~A,ZR V3 a11B/ re69re ead 2-ye9r SerYlCa ap/ealll@flr > FREE" Wireless Camera Phone > BONUS Free Bluetooth® Headset ($60 Value) > FREE Shipping & Handling . ~:: Limited rime oast ?C c i n u l a r W I RE F LY for Capital One® ~raisingthebart.sil' TneWlrelesssuPerstore Cardholders n 003 \~ ~ Capltat~g" PLATINUM VISA ACCOUNT SEP 20 - OCT 19, 2004 4862-3624-6701-1626 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance 5798.25 1 16 OCT PAYMENT RECEIVED -THANK YOU 540.00- Payments, Credits and Adjustments E40.00 Transattions E226.15 Transactions Finance Chazges E2.55 2 20 SEP FOOD LION #0937 COROLLA NC E10.25 New Balance E986.95 3 21 SEP WAL MART KITTY HAWK NC 53.33 Minimum.4moum Due 529.W q 23 SEP KM.4RT OW37440 KILL DEVIL HI NC 23.`)4 Payment Due Date November 19, 2004 5 25 SEP WAL MART KITTY HAWK NC 26.14 Total Credit Line 52,OW 6 2S SEP FARMERS DAUGHTER, COROLLA NC 10.24 Total Available Credit E1,013.05 7 29 SEP 0232 SHEETZ OW02329 MT HOLLY SPRG PA 25.50 Credit Line for Cash 52,OW 8 Ol OCT INTERNAL MEDICINE CARLISLE PA SO.W Available Credit for Cash EI,013.05 9 02 OCT GL4NT FOOD STORES #112 CARLISLE PA t3A7 10 10 OCT THE 1T.4LIAN T.4X1 COMPA MT HOLLY SPRI PA 5. W At your service 11 190CT PAYMENT PROTECTION I-888-52>-6904 8.68 To call Customer Relations or to report a lost or stolen card: As a valued Capital One cusromer, you are eligible to receive a free Year-End Summary that recaps 1-~-955-7Q7Q your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. All orders will be processed between January 15 and February 28, 2005. As long as this benefit is Send payments to: Send inquiries to: available for your account, you must call in each yeaz in order to receive a Yeaz-End Summary. You Attn: Remitmn« Proarsing will be notified in your statement on how to opt in for your Yeaz-End Summary. Capital On<Swiar Capital One Serviar P.O. Box 85147 P.O. Box 85015 Richmond, VA 27276 Richmond, VA 23285-5075 Important Account Information Want to make a difference this November? VOTE! Your vote is important, so get out there on November 2. Only you can make sure your voice is heazd. Every voce counts? F'ulance Charges Plerue tee revnx tidefm important infarmatian ~ n Balaxrr raft Prria,lu C pondmg ~IF,~~ 0 upp/irdro tart PR l .rif11C ~ PURCHASES 5321.69 .02644%P 9.6596 52.55 CASH 5.00 .0563096 P 20.5594 5.00 SPECIAL TR4NSFERS 5645.03 .0000096 .0096 5.00 ANNUAL PERCENTAGE RATE applied this period 3.2190 PLEASE RETURN PORTION BELOW WITH PAYMENT ~p~ 0000000 0 4862362467011626 19 0986950040000029003 New Balance 5986.95 Minimum Amount Due 529.W Payment Due Date November 19, 2004 Total enclosed S Account Number: 4862-3624-6701-1626 Capital One Bank P.O. Box 85147 ~~~uu~~~u~~t~t~u~~ Richmond, VA 23276 ~n~~~n~~ut~t~~su~~~~n~~ut~~m~~nun~~t~n~~u~~~u~r~ Pleare vniteyour amount number on yore R~asr p.iut mail'ng adJ rr a~ r-nra7l rhmgrs briwu wlxgb! orb! k iR.E Sven Apc M Ciry S~sa ZIP F.ome PMne Alremxne PMne ~ #9029486750064486# MAIL ID NUMBER ~_ JUSTIN G WEARY 19 TRINE AVE =~ MT HOLLY SPGS PA 17065-1144 ° S ~ut~~~ru~~~uu~~nt~t~nu~~nt~~t~tt~t~n~m~~~t~nur~~~ check m money miler madepayable to Capital One Bank and mail in the enrl ued envelope. r sad2nr ~ YOURS FOR THE HOLIDAYS - A SPECIAL OFFER VIII Exclusively for JUSTIN G WEARY As a Thank You for being a valued Capital One®Cardholder, you are invited to select your choices from the fine items on reverse. LIMITED TIME ONLY: Reply by 1/10/05 for your holiday selections Account S Previous Balance ;986.95 Payments, Credits and Adjustments 529.00 Transactions E103.39 Finance Charges ;3.57 New Balance ;1,064.91 Minimum Amount Due ;31.00 Payment Due Date December I8, 2004 Total Credit Line (2,000 Total Available Credit ;935.09 Credit Line for Cash ;2,000 Available Credit for Cash ;935.09 At your service To call Customer Relations or to report a last or stolen surd: 1-800-955-7070 Scnd }mymenh to: Send inquiries to: Attn: Remittance Processing Capital One Service Capital One Services P.O. Box 85147 P.O. Box &5015 Richmond, V4 2327G Richmond. VA 13285-50]5 lmtrortant Account Information We would like to take this opportunity to inform you that we may report information about your account to credit bureaus. The reporting of your account information to credit bureaus contributes to your overall credit profile. Late payments, missed payments or other defaults on your account may also be reflected in your credit report. PLATINUM VISA ACCOUNT 4862-3624-6701-1626 OCT 20 - NOV 19, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 17 NOV PAYMENT RECEIVED - THANKYOU ;29.00- Tntnsactions 2 19 OCT MT HOLLY BEER & SODA MT.HOLLY SPRG P.4 ;13.05 3 23 OCT AT&T WIRELESS CARLISLE P.4 31.79 4 08 NOV 0232 SHEETZ 00002329 MT HOLLY SPRG PA 28.W 5 10 NOV EB GAMES #2789 CARLISLE P.4 21.19 6 19 NOV PAYMENT PROTECTION 1-888-527-6904 9.36 As a valued Capital One customer, you aze eligible to receive a free Year-End Summary that recaps your 2004 chazges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy..4ll orders will be processed between January 15 and February 28, 2005. As long as this benefit is available for your account, you mast catl in each yeaz in order to receive aYeaz-End Summary. You will be notified in your statement on how to opt in for your Yeaz-End Summary. Finance Charges Pleare tee reverJe fide for important information ~ B / craft Perio,Jir Cmxrpndng ~~I~~ ~_ aypiirdto raft A A11 ^ PURCHASES f435.04 .02644%P 9.65% ;3.57 CASH ;.00 .05G30%P 20.55% 5.00 SPECIAL TR4NSFERS ;610.10 .00000% .00% 3.00 ANNUAL PERCENTAGE RATE applied this period 4.029'0 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4862362467011626 19 1064910029000031001 New Balance E 1,064.91 Minimum Amount Due ;31.00 Payment Due Date December 18, 2004 Total enclosed ; Account Number: 4862-3624-6701-1626 Capital One Bank P.O. Box 85147 IIIunJln~i~nt~~r~ Richmond, VA 23276 LrlrlrtlLttLlLrtlrlLdltnlltnllitntillt~nllndlnld Plrasrp,;ntmaifngaddreua~ e-arwilr/~rsbe,owmrngblruorb( kin.E Street ppt M City Snk ZIP Alamate Phone ~ #9032586750064488# MAIL ID NUMBER ~ JUSTIN G WEARY ~ ~ 19 TRINE AVE `O ~ MT HOLLY SPGS PA 17065-1144 ° ~ LaIllrtdlLrttlLttLltttrlltttlLLdtLtl~tdlLLt~rdll r Pleare ratite your ocrounl number on your Jack m money order mode payable fo Capital One Bank and mail in the enrlwed enve.'ope. ~ peoplepc~M online u Abetter way to Internet. ~ ~,/ Surf up to ~, ~ ~ 5x fasterwlth FREE Acce/stator for the first 12 months+- a X80 value! 1-888-587-9669 ~~ .~ a Mention Offer Code: DOLLAR ~~ Visit www.p~~pl~'c.c~m/~e/cellar UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: Virus PI'OteCtlOn powered by Symantec"" Pop-Up Blockert"' `~ Spam Controls ® Smarter Smart Dialer Technology ~ ~ More Email Addresses ®~ Internet Call Waiting PLATINUM VISA ACCOUNT 4862-3624-6701-1626 NOV 20 -DEC 19, 2004 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance 51,064.91 1 13 DEC PAYMENT RECEIVED -THANK YOU 531 00- Payments, Credits and Adjustments . 531.00 Transactions 5.00 Finance Charges 53,80 New Balance 51,037.71 Minimum .Amount Due 531.00 Payment Due Date January 19, 2005 Total Credit Line 52,Op0 Total Available Credit 5962.29 Credit Line for Cash 52,000 Available Credit for Cash 5962.29 At yow service To Dill Customu Relations or to report a lost or stolen card 1-800-955-7070 Smd paymrnts to: Send inquiria to: Attn: Remittance Processing Capital One Swices Capital One Seryar P.O. Box 85147 P.O. Box 85015 Richmond, V.A 2327G Richmond, VA 27185-5015 Important Account Information It's Capital One Bowl Week tmte again! Tune in to ESPN, ESPN2, and ABC starting December 14 for the best in post-season college football acfion, co see your favorite teams fight for bowl c}tampionships, and for college football's ultimate prize: the BCS National Championship. And on New Yeaz's Day, be sure to tune into .ABC to watch the Capital One Bowl and see which mascot is gowned the Capital One National Mascot of the Year! I'"mance Charges PJtare ru revaJeride ja/ important injarmaJion ~ Balarur ~r ° Prrisdir Corte ~d'n g ~V~V "~ r n .gplirdto rate AP l;riAlCl~li PURCHASES 1478.73 .02644%P 9.GS% 53.80 CASH 5.00 .0563076 P 2055% 5.00 SPECIAL TRANSFERS 5580.77 .0000076 .0076 5.00 ANNUAL PERCENTAGE RATE applied this period 4.369'0 PLEASE RETURN PORTION BELOW WITH PAYMENT ~~~~ 0000000 0 4862362467011626 19 1037710031000031005 P/rmrprirst maiirsg oddrrr orsdw r-rsroilrhnrsgrr be,,! w:ag b! orb! k;rs.E New Balance 51,037.71 Minimum .Amount Due 531.00 Srreeo Apc N Payment Due Date January 19, 2005 City Sure ZIP Total enclosed S Home Phone AlumaoePMn< Account Number: 4862-3624-6701-1626 Q Emil Address ~ #9035486750064488# MAIL ID NUMBER Capital One Bank ~_ JUSTIN G WEARY P.O. Box 85147 ~~~nt~~uun~~~i~n~ ~ 19 TRINE AVE r Richmond, VA 23276 ~ ~ MT HOLLY SPGS PA 17065-1144 ~u~t~n~~tu~t~~m~t~~n~~ut~~ut~~nuu~~t~n~~ut~~n~t~ ° ~ ~nt~~~w~~~nni~ui~t~nn~~ut~~t~u~t~u~nt~~~t~nut~~~ Pleare vniteyour aument number on yore check or money order made payable to Capifol OneBankand mail in t/x enrl<ued emielope. JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS PA 1 7065-1 144 Date Expires 02/28/2005 10783 68-677/510 06240-06 sa64oo Pay to the order of "^ T n Dollars /~,_,,. Purchase Check llllG Richmond, VA Memo Cardholder Sinnatura ~I'i078311' ~:05i0067781:865 246 70 1i6261~' PLATINUM V1S.4.4000UNT DEC 20, 2004 -JAN 19, 2005 4862-3624-6701-1626 Page 1 of 2 Account Summary Payments, Credits and Adjustments Previous Balance L1,037.71 1 14 J.4N PAYMENT RECEIVED -THANK YOU E31.00- Payments, Credits and Adjustments E31.00 Transactions 572.92 Ttumsactions Finance Chazges E4.44 2 30 DEC WALMART SUPERCENT CARLISLE PA ;2.95 New Balance E1,064.07 3 30 DEC INTERNAL MEDICINE CARLISLE P.4 25.00 Minimum Amount Due E32.00 q U3 JAN KFC 73U U47 CARLISLE PA 10.58 Payment Due Date February 19, 2005 5 03 JAN 0232 SHEETZ 00002329 MT HOLLI' SPRG P?. 2.36 Total Credit Line E2 000 6 10 JAN 0232 SHEETZ 00002329 MT HOLLY SPRG PA. 6.24 Total ,4vailable Credit E915.93 7 11 JAN 0232 SHEETZ 00002329 MT HOLLY SPRC PA 25.79 Credit Line for Cash 52,000 Available Credit for Cash E915.93 At your service To call Customer Relations or to report a lost or rtolen mrd: 1-800-955-7070 Send payments to: Smd inquiries to: Attn: Remittance Processing Capital One Services Capital One Swiars P.O. Box SS147 P.O. Bax 85015 RitLmond, V.A 23276 Richmond, VA 21285-5015 Important Account Information We would like to take this opportunity to Worm you that we may repon information about your account to credit bureaus. The reporting of your account information w credit bureaus contributes to your overall credit profile. Late payments, missed payments or other defaults on your account may also be reflected in your credit repozt. Finance Charges Pleare tee revnte tide jot important information ~ ~ Bd >•atr Period" Corr.ponding FINANCE N opplirdto >ar A C13AIjGE ^ PURCHASES 1514.93 .02751%P 10.15% 14.44 CASH 1.00 .05767%P 21.05% 5.00 SPECL4L TRANSFERS 5554.38 .00000% .0096 5.00 ANNUAL PERCENTAGE RATE applied this period 4.8990 • PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362467011626 19 1084070031000032005 New Balance E1,084.07 Minimum Amount Due E32.00 Payment Due Date February 19, 2005 Total enclosed E Account Number: 4862-36246701-1626 Capital One Bank P.o. Box 85147 IIIuJluul9lillnil Richmond, VA 23276 1~~191~9119~91tIlr~rl~l1991199t11~9~11~~~99~IIrl9~ll~r~ll~rl~l Piearrprint maiiiagaddrcn andwrmailr!grr br,iow mingbivr a. Mark ircF. Strett Apt Y laity $LLk ZIP Home Phone Alurnav Phone ~ #9002086750064485# MAIL ID NUMBER ~ JUSTIN G WEARY ~ 19 TRINE AVE ,N., ~ MT HOLLY SPGS PA 17065-1144 ^ ~ ° lirilllr~~lll~iiilliiililii~illi~tllrliilrliilitillltln~~~lll r Pleare wrileyom ocrounl numbe an your cluck or money order mode payablt to Capital One Bank and mail in the enrl ued envelope. JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS PA 1 7065-1 1 44 Date fxpries 03/31/2005 Purchase Check Pay to the order of "^ T n ~ (~ ~ nr,uare captral p~ Richmond, VA Memo Cardholder Signature il'i079611' ~:05i006778~:86524670ii62611' Accotmt S Previous Balance E 1,084.07 Payments, Credits and Adjustments E32.00 Transactions E5.B1 Finance Chazges yl,7g New Balance 51,062.66 Minimum Amount Due E31.00 Payment Due Date Mazch 19, 2005 Total Credit Line ;2,000 Total Available Credit E937.34 Credit Line for Cash ;2,000 Available Credit for Cash 5937.34 At vour service To call Customer Relations or to xport a lost or stolen card 1-800-955-7070 Send payments to: Send inquiries to: Attn: Remittann Processing Capital One Service Capital One Services P.O. Box 55147 P.O. Box 85015 Richmond, VA 27276 Richmond, 4'A 25285-5015 PLATINUM VISA ACCOUNT 4862-3624-6701-1626 10796 68-6771570 06241-02 586400 JAN 20 -FEB 19, 2005 Pagelof2 Payments, Credits and Adjustments 1 12 FEB PAYMENT RECEIVED -THANK YOU E32.00- Transactions 2 06 FEB 0232 SHEETZ 00002329 MT HOLLY SPRG PA E5.81 F'illatlce Chazges Pleas ree reverts ridejor important information ~ t3d atr Periadir Corry ding ~ FIIVANC$ ` N gptirdto rat (, jjAjjG$ PURCHASES 3554.91 .02751%P 10.]8% 54.78 CASH 5.00 .05767%P 21.05% SPECL4L TRt4NSFERS 3515.85 .00000% .0096 3.00 3.00 ANNUAL PERCENTAGE RATE applied this period 5.21% PLEASE RETURN PORTION BELOW WITH PAYMENT ~~arFd 0000000 0 4862362467011626 19 1062660032000031009 Prcascprint mai(,'ngaddrru and r->rroii rAuugrr beiov w;ng b! or biari•inE New Balance ;1,062.66 Minimum Amount Due E31.00 so-xc Payment Due Date March 19, 2005 4pc r City Sine ZIP Total enclosed E Account Number: 4862-36246701-1626 Home Phone Ahecnaw Phoae a Emsil Address Capital One Hank ~ #9005186750064480# MAIL ID NUMBER JUSTIN G WEARY P.O. Box 85147 ~~~ns~~nt~tu~~n~i~ ~ 19 TRINE AVE r Richmond, VA 23276 ~ MT HOLLY SPGS PA 17065-1114 ~n~t~n~~ui~i~~9ul~lln'Iu~Il n9llnuull9lull~99~1t9191 ° ~ ~u9~~~ut~~~un~~nt~9~nn~~9u~~9~n~9~n~ui~~~9~um~~~ Plea<e write your auaunt numbn on your rhuk or money order madepayable to Capital One Bank and mail in tix enrk~sed envelope. JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS PA 1 7065-1 1 44 Purchase Check 10817 68-677/510 06242-02 586400 Pay to the order of "^ T n Dollars ~4M~pllllC Richmond, VA Memo Aocotmt S Date Cardholder Signature II'i08i71~' ~:05i006778~:86524670ii626~1' Previous Balance E1,062.66 Payments, Credits and Adjustments E31.00 Transactions 5.00 Finance Charges E8.16 New Balance 51,039.82 Minimum Amount Due E31.00 Payment Due Date April 19, 2005 Total Credit Line $2,000 Total Available Credit E960.18 Credit Line for Cash $2,000 Available Credit for Cash E960.15 At your service To call Clutomu Relations or to report a lost or stolen card: 1-800-955-7070 Send payments to: Send ingwria to: Attn: Rertuttan« Processing CepitalOneBank Capital OneSuvims P.O. Box 790116 P.O. Box 85015 St. Louis, MO 63179-0216 Richmond, VA 23285-5015 Important Account Information Please review the important information enclosed with your statement and keep a copy for yoty records. Explies P4/30/2005 PLATINUM VIS.4.4000UNT 4862-3624-6701-1626 FEB 20 -MAR 19, 2005 Page 1 of 2 Payments, Credirs and Adjustments 1 03 MAR PAYMENT RECEIVED -THANK YOU E31.00- Finance Charges Please tee revers ridefm important informatian ~ Ba1 rate Petiodv Corrs~ding FIIVf11IV~~ _ g+piudro rate . PR CIIAI2 ~ PURCHASES (557.56 .02781%P 10.15% 34.34 CASH 5.00 .05767%P 21.0594 5.00 SPECLAL TR4NSFERS 5490.21 .02781%P 10.15% 53.82 ANNUAL PERCENTAGE RATE applied this period 10.1596 PLEASE RETURN PORTION BELOW WITH PAYMENT ~'~~'~ 0000000 0 4862362467011626 19 1039820031000031000 New Balance E1,039.82 Minimum Amount Due 531.00 Payment Due Date April 19, 2005 Tonal enclosed E Account Number: 4862-3624-6701-1626 Capital One Bank P.O. Box 790216 ~~~uuu~~~~nt~t~u~ St. Louis, MO 63179-0216 ~t~~un~~un~~~ut~~t~u~~uut~t~m~~i~~tnn~~t~~n~n~t~ P/earepnntmailxgaddrenaa~ r-rrcaif ~gerbrl'aurenngb/worb/aekirsk Street Apt I City Stare ZIP Home Ptwne Akernare Plwne ~ #9007986750064481# MAIL ID NUMBER JUSTIN G WEARY ~ 19 TRINE AVE ~ MT HOLLY SPGS PA 17065-1114 ~tu~~~ut~~~un~~ns~i~nu~~tu~~t~u~t~u~nt~~~t~nut~~~ Pleare vniie your acraunt numbs on your rherk m money mdn mode payable to Capital One Bank and mail in the enrlc~sed envelope. r JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS PA 17065.1144 Date Expires 05/31/2005 10842 68-677/510 06243-02 586400 Pay to the order of "^'' n ~ ~~ f)nllarc GapltalQytg• Richmond, VA Memo Purchase Check ~~ Account S ll'i084211' ~:05i006778~:86524670ii626n' Cardholder PLATINUM VISA ACCOUNT MAR 20 -APR 19, 2005 4862-3624-6701-1626 Page 1 of 2 Payments, Credits and Adjustments 1 18 APR PAYMENT RECEIVED -THANK YOU #50.00- Previous Balance 51,039.82 Payments, Credits and Adjustmenrs E50.00 Transactions E347.18 Finance Chazges E10.15 New Balance E1,347.15 Minimum Amount Due E40.00 Payment Dut Date May 19, 2005 Total Credit Line #2,000 Total Available Credit E652.85 Credit Line for Cash #2,000 Available Credit for Cash E652.85 At yow service To <all Customer Relations or to report a lost or stolen mrd: 1-800-955-7070 Scnd payments to: Srnd inquiries to: Attn: Remittance Procssing Capital One Bank Capital One Saviors P.O. Box 790216 P.O. Box 85015 St. Loub, MO 61179-0216 Richmond, VA 23285-50]5 Transactions 2 23 M.4R 0232 SHEETZ 00002329 MT HOLLY SPRG P?, E3.51 3 25 M.4R WAL-MART STORES, IN CARLISLE P.4 g.q l 4 25 MAR WENDYS 110402 Q25 CARLISLE PA 5.81 5 26 M.4R PAPA JOHN'S #921209648 717-2456000 PA 29.01 6 15.4PR RILLO'SRESTAUR4NT CARLISLE PA 88.96 7 15 APR WAL-MART #2574 CARLISLE PA 41.48 8 16.4PR CINGUL.4R WIRELESS CARLISLE PA 129.30 9 17 APR WALMART SUPERCENT CARLISLE P.4 18.74 10 17 APR WAL-M.~RT #2574 CARLISLE PA 21.96 Finance Chatges Plerue Jet revnJe fide far important information ~ Balmr rate ' e Peradu Conerp ding elt FFIiNNANCE ir ro M .ryp :atr ,f CHA ~ PURCHASES f640.91 .02918%P 10.6596 55.80 CASH f.00 .05904%P 21.5594 f.00 SPECIAL TRANSFERS (480.55 .02918%P 10.(596 54.35 ANNUAL PERCENTAGE RATE applied this period 10.6696 • PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362467011626 19 1347150050000040004 New Balance 51,347.15 Minimum Amount Due #40.00 Payment Due Date May 19, 2005 Total enclosed S Account Number: 4862-3624-6701-1626 Capital One Bank P.O. Box 790216 ~~~uuu~~n~~t~t~u~ St. Louis, MO 63179-0216 ~~~~tw~~nu~~~m~~t~u~~uut~t~ui~~i~~uut~~t~~u~u~t~ Plrarrpeiat mau~rg addnrr aad%orr,rrai/darsgrr tieiow raingtiiur orti! 4irzk Secer Apc I Ciy Smk ZIP F:ome Phone Altecnace Phone 0 Em:dAaaress ~__ #9011066750064484# MAIL ID NUMBER JUSTIN G WEARY 19 TRINE AVE MT HOLLY SPGS PA 17065-1114 r ° ~ ~us~~~ui~~~mi~~ui~i~tm~~ut~~t~u~t~n~nt~~~t~uut~~~ P/eare unite yow arroant numbs on your rherk or money order made payable to Capital One Bank and mail in t/x enc.'ared envelope. JUSTIN G WEARY 1 0887 19 TRINE AVE pate 68-677/510 MT HOLLY SPGS PA 1 7065-1 1 44 Expires 06/30/2005 06244-~ 586400 Pay to the order of ~ ~~ nr,aare "4I+~~~Vlle Richmond, VA Memo Purchase Check Cardholder ~l'i088711' 1:05i0067781:86524670ii62611' Account S Previous Balance 51,347.15 Payments, Credits and Adjustments 540.00 Transactions 55.92 Finance Charges 511.79 New Balance 51,324.86 Min'vnttm Amount Due 539.00 Payment Due Date June 18, 2005 Total Credit Line 52,000 Total Available Credit 5675.14 Credit Line for Cash 52,000 Available Credit for Cash 5675.14 At vote service To call Customer Relations or to repon a lost or stolen card 1-800-955-7070 Send payments to: Send inquiries to: .Attn: Remittan« Processing Capital One Bank Capital One Services P.O. Box 790216 P.O. Box 85015 St, Louis, MO 63179-0216 Rir}~mond, VA 23285-5015 PLATINUM VISA.4000UNT 4862-3624-6701-1626 APR 20 -MAY 19, 2005 Page 1 of 3 Payments, Credits and Adjustments 1 13 MAY PAYMENT RECEIVED -THANK YOU 540,00- Transactions 2 02 MAY 0232 SHEETZ 00002329 MT HOLLY SPRC PA 55.92 Finance Charges P/eare ree revnfe ride for imfortant information ~ Bd rare Periodu Corrr~d,'ag FIIJANCE ~ ppiirdto .m'r APR CFIARGE ~ PURCHASES 1909.57 .0291896P 10.6596 f7.96 CASH 5.00 .0590496P 215596 5.00 SPECL0.LTRANSFERS 5937.50 .0291896P 10.6596 53.83 ANNUAL PERCENTAGE RATE applied this period 10.65tYo • PLEASE RETURN PORTION BELOW WITH PAYMENT ~'~~~ 0000000 0 4862362467011626 19 1324860040000039001 Aiaerp.int ma;l'ng nJk rra~ r-maild~megrr bd mi gb! orblark rn~E New Balance Sl 324.86 Minimum Amount Due 539.00 sr e Payment Due Date June 18, 2005 ree APL € C~eY Smu ZIP Total enclosed E come Phone Alremste PMne Account Number: 4862-3624-6701-1626 ., Capital One Bank P.O. Box 790216 ~~~uuu~~t~~u~r~u~ St. Louis, MO 63179-0216 ~e~~tnt~~tm~~~ur~~t~n~~uur~i~nt~~t~~uus~~r~~n~n~t~ ~ #9014086750064481# MAIL ID NUMBER JUSTIN G WEARY ~ 19 TRINE AVE MT HOLLY SPGS PA 17065-1144 ~= ° ~ ~tu~~~~u~~~nn~~ut~t~mt~~nt~~t~u~t~u~m~~~t~unt~~~ r Pteare write your mount number on your check m moray order ma.7e Payable to Captal One Brmk and mail in the rn .'aced envetaJr. •, ~ ~ ~ .• First 3 months half-price peop I E; pc~~ on I i n e~ 9 ~ u Abetter way to Internet. ~ , PlaoplePC Online offers the features you would amoutn; expect from higher-priced Internet Service E9.95lmo. thereafter Providers at half price for the first 3 months! Email Virus Protection ,(~je~FREEAccelerator' ® PoP-Up Blockert"^ ~'I'~y'- ~••'~~u"b"s~ ~j Spam Controls Sus G WEAR PO X 96 SIGN UP TODAY! ~ Smart Dialer M ROLLY s S PA t 706 . ® More E=mail Addresses ~ 1 877 778 1207 wl Mention Offer Code: OPAL ®~ Internet Call Waiting Or visit www.peoplepc.corn/go/opal ~ ~ ~- aM~ T "- ]""" PLA INUM VISA ACCOUNT MAY 20 -JUN 19, 2005 4862-3624-6701-1626 Page 1 of 1 Account Summary Paytnents, Credits and Adjustments Previous Balance ;1,324.86 Payments, Credits and Adjustm ents E.00 Your scheduled payment has not been received. Please remit the amount due appeazing on this statement. If Transactions 5211.48 you have already made your payment' please accept our thanks. Finance Chazges ;12.97 New Balance Transactions ;1,549.31 Minimum Amount Due ;85.00 1 21 M.4Y AC MOOR; ARTS&CRAFT 82 MECH.4NICSBUR P.4 ;65.53 Payment Due Date July 19, 2005 2 03 JUN KFC 730047 CARLISLE PA 9.52 3 04 JUN TAIPEI CHINESE RESTAUR MT HOLLY SPRI PA 7.84 Total Credit Line ;4,000 4 04 JUN .4C MOOR; ARTS&CRAFT R2 MECH.4NICSBUR PA 10 59 Total Available Credit Credit Line for Cash . ;2,450.69 5 O6 JUN KMART 00077461 CARLISLE PA 1727 ooo E4 Available Credit for Cash , 6 11 JUN HOLLY PH.4RM.4CY MOUNT HOLLY S P.4 22.76 450.69 ;2 , 7 11 JUN 0232 SHEETZ 00002329 MT HOLLY SPRG PA. 27.21 8 13 JUN 010232 SHEETZ 00002329 MT HOLLY SPRC PA 7.92 At yourservice 9 16 JUN TAIPEI CHINESE RESTAUR MT HOLLY SPRI PA 7.84 To call Customer Relations or to repon a lost or stolen cud: 10 19 JUN PAST DUE FEE 35.00 1-800-955-7070 Your credit limit has recently been increased. Please ue the new limit referenced on your Send paymrnts to: Send inquiries to: statement. We appreciate your business. Than}: you for choosing Capital One. Atm: Remittance Proceuing Capital One Bank Capital One Swices You were assessed a past due fee of 535.00 on 06/19/2005 because your minimum payment was not P.O. Box 790216 P.O. Box 85015 received by the due date of 06/18/2005. To avoid this fee in the fume, we recommend that you St. Louis, MO 61179-0216 RicLmond, VA 292 8 5-5 015 allow at least 7 business days for your payment to reach Capital One. Finance Gllarges Pleare iee reverre ride fm important information a f1 Balann ~r Pnodu Corresponding FINANCE N gsplirdto raft PR Cj~,~IjGE ~ PURCHASES 51,018.56 .02915%P 10.65% 59.21 CASH 5.00 ,05904%P 21.55% 5.00 SPECIAL TR4NSFERS 5915.69 .02918%P 10.65% 17.76 ANNUAL PERCENTAGE RATE applied this period 10.6595 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~ap~ 0000000 0 4862362467011626 19 1549310040000085009 New Balance ;1,549.31 Minimum Amount Due ;85.00 Payment Due Date Jtdy 19, 2005 Total enclosed S Account Number. 4862-36246701-1626 Capital One Bank P.O. Box 790216 IIInIuIIIIIn1IIn1I St. Louis, MO 63179-0216 III IIIIIIIIIIIIIIIIIII VIII VIII IIIIIIIIIIII1111III VIII II IIII Plrarrprintmaiiingaddrrrra~ e-nwilrlmgrrbrewwingbiurorbiarFin.E aceec Apc Y Ciry Sace ZIP Home k'Iwtw Alucnam PMne ~ #9017086750064488# MAIL ID NUMBER - JUSTIN G WEARY m ~ PO BOX 96 N ~ MOUNT HOLLY SPRINGS PA 17065-0096 n ~ ~ VIII'III III IIIIIIIIIIIIIIIIII VIII VIII IIIIIIIIIIIIIIIIIIIIII r Please write yoar arcoont number on yma check or money order mode payable to Capital One Bonk and mail in the enrlcred envelope. YOU COULD SAVE UP TO $400 OR MORE ON AUTO INSURANCE WITH ONE PHONE CALL 596738 See reverse far details-- ~:atE~l PL T A INUM VI SA ACCOUNT JUN 20 -JUL 19, 2005 4862- 3624-6701 -1626 Page 1 of 3 Aooount Summary Paym ents, Credits and Adjustments Previous Balance 51,549.31 1 15 JUL PAYMENT RECEIVED -THANK YOU E85.00- Paymenrs, Credits and .4djttstments 585.00 Transactions 5514.10 Transactions Finance Chages 517.10 2 18 JUN GL4NT FOOD STORES #112 CARLISLE PA 52.64 New Balance 51,995.51 3 1S JUN JOANN FABRIC #0404 CARLISLE PA 29 10 Minimum Amount Due Payment Due Date 559.00 Au ust 19 2005 4 19 JUN 0232 SHEETZ UWU2329 MT HOLLY SPRC P.4 . 14.14 g , 5 20 JUN WAL-MART #2574 CARLISLE PA 45.13 Total Credit Line E4 000 6 23 JUN KOHL'S #0337 MECH.4NICSBURG P.4 130.77 Total Available Credit 52,004.49 7 26 JUN 0232 SHEETZ 00002329 MT HOLLY SPRG P.4 27.00 Credit Line for Cash Eq,000 8 Ol JUL INFINITY BEADS CARLISLE PA 52.31 Available Credit for Cash 52,OOq,g9 9 02 JUL GIANT FOOD STORES #112 CARLISLE PA 17.69 10 02 JUL MT HOLLY BEER & SODA MT.HOLLY SPRC PA 24.30 At your service 11 03 JUL TACO BELL #17000170167 CARLISE PA 13.95 12 04 JUL WAIrMART #2574 CARLISLE P.4 54.27 To call Customer Relations or to xport a lost of stolen card: 13 OS JUL T.41PE1 CHINESE RESTAUR MT HOLLY SPRI P.4 32 81 1-800-955-7070 14 07 JUL 0232 SHEETZ 00002329 MT HOLLY SPRC PA . 36.51 15 08 JUL WENDYS #0402 Q25 CARLISLE PA 1.47 Send payments to: Atm: Remittance Processing Srnd inquiries to: 16 10 JUL 0232 SHEETZ 00002329 MT HOLLY SPRC P.4 12.66 Capital One Bank Capital One 17 16 UL J 0232 SHEETZ 00002329 MT HOLLY SPRC PA 19.35 P.O. Bax 790216 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, UT 84130-0285 Finance Charges Pleare tee reverse ride for important information m Ba/ raft Prn'oda Corrr~ding ~I.,~l `~ g+piirdto rat. ~Af l;riAlLhr, ~ PURCHASES (1,493.39 .02986%P 10.9096 f13.38 CASH f.00 .05973%P SPECIAL TRANSFERS (414.79 .02986%P 21.8096 f.00 10.90% (3.72 ANNUAL PERCENTAGE RATE applied this period 10.9096 • PLEASE RETURN PORTION BELOW WITH PAYMENT C~~~ 0000000 0 4862362467011626 19 1995510085000059001 New Balance 51,995.51 Minimum Amount Due 559.00 Payment Due Date August 19, 2005 Total enclosed E Account Number: 4862-3624-6701-1626 Capital One Bank P.O. Box 790216 ~~~uut~s~n~~uu~~~ St. Louis, MO 63179-0216 ~t~~tm~~nu~~~tn~~s~u~~unt~t~ui~~i~~uut~~s~~n~u~t~ PI rp.irst ma:f'>rg adJrrea~ r-mai/rAmeegrr be! rcnrsg bear orb/aoE in.E Sneer Apc Y City Score ZIP Home Ptwnc Akernare PMne #9020186750064461# MAIL ID NUMBER ~ JUSTIN G WEARY ~ PO BOX 96 °m ~ MOUNT HOLLY SPRINGS PA 17065-0096 ° ~ ~w~~~m~~~nn~~m~i~t~~nt~~ut~t~ut~~n~i~tu~~unt~~~ r P.'eare eurite your acrounl numbs on your Bieck m money coder made payobk to Capital One Bank and mail in the encJzred envelope. ii First 3 months half-price 97* a month; $9.95tmo. thereafter SIGN UP TODAY: ' 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade peoplE;pc~H online ~ Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection Pop-Up BlockerT"" Spam Controls `i? Smart Dialer Phisher Security Internet Call Waiting Ca ~' PL T A INUM VISA ACCOUNT JUL 20 -AUG 19, 2005 4862-3624-6701-1626 Page 1 of 2 Account Summary Payments, Credits and Adjustments Previous Balance ;1,995.51 1 18.4UG PAYMENT RECEIVED -THANK YOU E59 00- Payments, Credits and Adjustments 559.00 . Transactions ~i3•~ Transactions Finance Charges E18.64 2 11 .4UC 0232 SHEETZ 00002329 MT HOLLY SPRC PA E28.12 New Balance E2,018.19 3 11 AUG TAIPEI CHINESE RESTAUR MT HOLLY SPRI PA Z84 Minimum Amoum Due Payment Due Date E60.00 September 19 2W5 4 15 AUC 0232 SHEETZ UUOU2329 MT HOLLY SPRG PA 14.05 , S 17 AUG OFFICE MAX 00007468 CARLISLE PA 8.03 Total Credit Line S4 000 6 18 AUC WM SUPERCENTER MECH.gNICSBURG PA 5.00 Total Available Credit ;1,981.81 Credit Line for Cash ;4,000 Available Credit for Cash ;1,981.81 At your service To mll Customer Relations or to report a lost or stolen nrd: 1-800-955-7070 Smd paymenu to: Send inquiries to: Attn: Remitmnee Processing Capital On<Bank Capital On< P.O. Box 790216 P.O. Box 30285 Sv Louis, MO 63179-0216 SLC, UT g4110-0285 Finance Charges Pleue tee rev erx ride for important information ~ Ba! ~ Periodic Conn ding ~~~.7ANC$ ~ PURCHASES 51,622.04 .02986%P 10.9096 515.01 CASH 3.00 .0597396P 21.8096 5.00 SPECLAL TRANSFERS ;392.43 .02986%P 10.9096 ;3.63 ANNUAL PERCENTAGE RATE applied this period 10.8996 PLEASE RETURN PORTION BELOW WITH PAYMENT ~ 0000000 0 4862362467011626 19 2018190059000060002 New Balance ;2,018.19 Minimum Amount Due ;60.00 Payment Due Date September 19, 2005 Total enclosed f Account Number: 4862-36246701-1626 Capital One Bank P.O. Box 790216 ~~~uus~t~t~~un~t~~ St. Louis, MO 63179-0216 ~t~~nn~~nu~~~ut~~t~u~~unt~t~m~~t~~nus~~t~~u~u~t~ Pleare write yow account numbs on your P/rmrprint mailing ndd rrr~ r-rrrcii c).nnger brioru wing b! orblarE ink Str«~ Apc q Ciry Sine ZIP Home Phon< Nacnne Phone ~ #9023286750064486# MAIL ID NUMBER ~ JUSTIN G WEARY .~ ~ PO BOX 96 uri MOUNT HOLLY SPRINGS PA 17065-0096 r ° ~ ~ut~~~nt~~~uu~~nt~t~t~~us~~ut~t~nt~~n~t~ut~~uut~~~ rbeck or money order madepoyabte to Capital One Bank and mail in the enclcued maelope. r 596781 QUICK CALL... '1'llr: H.v; rw9ltu UP TO ~ GREAT QUOTES ... TRAVELERS ~esurance° Safeco Insurance ~, WE ENOW MIfO NSUMNCE- ... could save you up to ~00 or more on auto insurance! CapJ(t0_~' PL T A INUM VI SA ACCOUNT AUG 20 -SEP 19, 2005 4862-3624-6701-1626 Page 1 of 2 Account Summary Payments, Credits and Adjustments Previous Balance 52,018.19 1 19 SEP CAPITAL ONE ONLINE ACH PAYMENT 560 q} Payments, Credits and Adjusunents 560.00 , Transactions 5222.38 Transactions Finance Chages 520.23 2 18 AUG WM SUPERCENTER CARLISLE PA (14 77 New Balance 52,200.80 3 18 AUG SUPER SHOE STORES MECHANICSBURC PA . 79 85 Minimum Amount Due 566.00 q 25 AUG WM SUPERCENTER CARLISLE PA . 24 11 Payment Due Date October 19, 2005 5 25 AUG MCDONALD'S F10212 CARLISLE PA . 3.70 Tonal Credit Line E4 000 6 29 AUG WM SUPERCENTER CARLISLE PA q.g6 Total Available Credit 51,799.20 7 30 AUG 0232 SHEETZ 00002329 MT HOLLY SPRG PA 20.17 Credit Line for Cash E4 000 8 03 SEP TAIPEI CHINESE RESTAUR MT HOLLY SPRI P.A 11.00 Available Credit for Cash 51,799.20 9 07 SEP 010232 SHEETZ 00002329 MT HOLLY SPRG PA 2,20 10 08 SEP GIANT FOOD STORES #112 CARLISLE PA 19.88 Atyowservice 11 10 SEP MCDONALD'S F10212 CARLISLE PA 4.97 12 I l SEP 020232 SHEETZ 00002329 MT HOLLY SPRG PA 7 57 To cal] Customv Relavora or to repon a lost or stolen cud: 13 11 SEP MCDONALD'S F10212 CARLISLE PA . 11 62 1-800-955-707U 14 13 SEP MCDONALD'S F10212 CARLISLE PA . 4.98 15 15 SEP 0232 SHEETZ 00002329 MT HOLLY SPRC PA 8 15 Smd paymrnis to: Smd inquiries to: Attn: Remittance Processing 16 15 SEP BLOCKBUSTER VIDEO #902 CARLISLE PA . 4.55 Capital One Bank Cspiml One P.O. Box 790216 P.O. Box 30285 St Lows, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Twelve unsung heroes of college athletic aze competing for the honor of Capital One National Mascot of the Yeaz -and you can help decide who wins! Each week, the mascots go head-to-head in competition, but only one will win the coveted tide and 510,000 for thew school. Go to capitalone.com where you can vote daily for your favorite mascot -and don4 forget to tune into the Capital One Bowl on .ABC on Monday, January 2, 2006, to see who wins'. Finance Charges Pleue nee reverie tide for important injonnation ~ ^ Ba/ourr ~r P.wwdu Corarpondat ~1 R ~ ~ ~ v ppludto tarn APR A1L L ~ PURCHASES 51,831.30 .02986%P 10.90% f16.95 CASH 3.00 .0597396P SPECIAi, TRANSFERS (354.67 .0198696P 21.8096 f.00 10.9096 (3.18 ANNUAL PERCENTAGE RATE applied this period 10.9096 • PLEASE RETTJRN PORTTON BELOW W[TH PAYMENT ~'~~`° 3""Q 0000000 0 4862362467011626 19 2200800060000066005 New Balance S2 200.80 Minimum Amount Due 506,00 Paymen[ Due Date October 19, 2005 Tots] enclosed 5 A«ount Number: 4862-36246701-1626 Plrarrpriatmailingad~rua~ r-moJrbuugrrbrioa,wingb! ortiiarkixk. Street Apc M Cary Smte ZIP romr PMne Alremate PMae #9026386750064481# MAIL ID NUMBER Capital One Bank ~ ~ JUSTIN G WEARY P.O. Box 790216 I~~uut~t~~t~nnltl~ PO BOX 96 St. Louis, MO 63179-0216 v ~ MOUNT HOLLY SPRINGS PA 17065-0096 r ~t~~unllnu~~~utllt~u~~nnt~t~m~ltllnut~~t~~u~tt~t~ ° ~ ~ut~~~m~~~nn~~m~t~t~lnt~~ut~t~ut~~tt~t~m~~tuu~~~ Pleare unite yore. account numbs o-n your r)rerk m money order madepayable to Capital One Bank and mail in flx enelcred envelope. r YOU COULD SAVE UP TO OR MORE ON AUTO INSURANCE WITH ONE 596795 PHONE CALL See reverse for details-- Accounts Previous Balance 52,200.80 Payments, Credits and Adjustments 566.00 Transactions 5477.62 Finance Charges 524.41 New Balance 52,636.83 Minimtun Atnovm Due 579.00 Payment Due Date November 19, 2005 Total Credit Line Sq,000 Total Available Credit 51,363.17 Credit Line for Cash 54,000 Available Credit for Cash 51,363.17 At yow service To call C4stomu ReLtions or to repon a lost or stolen mrd: 1-800-955-7070 Send payments to: Send inquiries to: Attn: Remittan« Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 301&5 St. Lows, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Twelve unsung heroes of college athletics aze competing for the honor of Capital One National Mascot of the Yeaz -and you can help decide who wins'. Each week, the mascots go head-to-head in competition, but only one will win the coveted title and 510,000 for their school. Go to capitalone.com where you can vote daily for your favorite mascot -and don4 forget to tune into the Capital One Bowl on ABC on Monday, January 2, 2006, to see who wins! PLATINUM VISA ACCOUNT SEP 20 - OCT 19, 2005 4862-3624-6701-1626 Page 1 of 2 Payments, Credits and Adjustments 1 19 OCT CAPITAL ONE ONLINE ACH PAYMENT E66.00- Transactions 2 18 SEP SUNGL.45S HUT 60021037 CAMP HILL PA 596.10 3 19 SEP 0232 SHEETZ 00002329 MT HOLLY SPRG PA 34.45 4 21 SEP 020232 SHEETZ OOW2329 MT HOLLY SPRG PA 22.53 5 22 SEP WM SUPERCENTER CARLISLE PA 10.li 6 22 SEP WM SUPERCENTER CARLISLE P.4 31.94 7 22 SEP GL4NT FOOD STORES #112 CARLISLE PA 23.58 8 26 SEP 010232 SHEETZ 00002329 MT HOLLY SPRG PA 22.00 9 2G SEP GIANT FOOD STORES #112 CARLISLE P.4 9.18 10 27 SEP WAL-MART #2574 CARLISLE PA 23,81 11 28 SEP WAL-MART #2574 CARLISLE PA 15.92 12 29 SEP 010232 SHEETZ 00002329 MT HOLLY SPRC PA 25.56 13 OS OCT KM.4RT 00077461 CARLISLE P.4 21.19 14 06 OCT 020232 SHEETZ 00002329 MT HOLLY SPRC PA 30.50 15 10 OCT WM SUPERCENTER CARLISLE PA 33.10 16 12 OCT WAL-MART #2574 CARLISLE PA 13.84 17 14 OCT 0232 SHEETZ 00002329 MT HOLLY SPRC P.4 19.50 18 14 OCT WAL-MART #2574 CARLISLE PA 44.27 Fillailce C}IalgeS Ple~ue rte reverse ride for impartanf information Ba! nrmY Prriodu Corr~dng ~AN~ <ppludto r~ APR Al~lir, PURCHASES (2,233.73 .03192%P 11.65% f21.39 CASH 3.00 .06178%P 2255% 3.00 SPECL4L TRANSFERS (315.07 .03192%P 11.65% 33.02 ANNUAL PERCENTAGE RATE applied this period 11.6596 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~ 0000000 0 4862362467011626 19 2636830066000079005 New Balance 52,636.83 Minimum Amount Due 579.00 Payment Due Date November 19, 2005 Total enclosed E Account Number: 4862-3624-6701-1626 Capital One Bank P.O. Box 790216 ~~~unt~~ut~i~n~~t St. Louis, MO 63179-0216 t~~[nt~~tnt~~~nt~~t~u~~uut~t~nt~~i~~nnt~~s~~u~n~t~ Pleare write your account nrembn ran yom P7arrpvint mai/'ng addrrrr and r-+nailrhaugrr be,'wu uriregbfur or biark inE Stteet .Apc .' City Suu ZIP Home Phone Alurnan Phone #9029386750064488# MAIL ID NUMBER ~ JUSTIN G WEARY ~ PO BOX 96 ~n ~ ~ MOUNT HOLLY SPRINGS PA 17065-0096 ° R ~m~~~[n~~~tw~~nt~i~t~~ut~~ut~t~nt~~u~i~ut~~unt~~~ check m moray order made payable to Capital One Bonk and mail in the enclared envelope. r Get your FREE Capital One Insurance CheckupSMt Our experts can tell you if you are getting a good deal on insurance- or help you save, possibly hundreds of dollars! Auto • Home • Motorcycle • RV• Boat • AN • Umbrella Liability 1 O Insurance Checkup /Get oral what you need /Save Mone Y /Sleep Easy! 596796 ~:a~rF PL TI A NUM VI SA ACCOUNT OCT 20 - NOV 19, 2005 4862-3624-6701 -1626 Page 1 of 4 Account Summary Pay ments, Credits and Adjustmrnts Previous Balance 52,636.83 1 18 NOV C.4PIT.4L ONE ONLINE ACH PAYMENT 00_ E79 Payments, Credits and Adjustments 579.00 , Transactions 5540.88 Tra nsactions Finance Charges 529.58 2 19 OCT WM SUPERCENTER CARLISLE PA 512 53 New Balance ' 53,128.29 3 19 OCT CHANCING DIRECT. S.~U.ON CARLISLE PA . 00 ]g Min unum Amount Due Payment Due Date 593.00 December 19 2005 4 21 OCT 0232 SHEETZ 00002329 MT HOLLY SPRG PA ' . 33.65 , 5 21 OCT ARBY S #6793 Q52 MECHANICSBURC PA 5.82 Total Credit Line S4 000 6 21 OCT THE SHOE DEPT 0887 CARLISLE PA g5,2g Total Available Credit E871.71 7 24 OCT WAL-MART #2574 CARLISLE PA 42.71 Credit Line for Cash 54,000 8 24 OCT WAL-MART #2574 CARLISLE P.4 11.57 Available Credit for Cash 5871.71 9 26 OCT WAL-MART #2574 CARLISLE PA 48.83 10 27 OCT MCDON.4LD'S F10212 CARLISLE P.4 7.19 Atyotuservlce 11 310CT WAIrMART#2574CARLISLEPA 31.73 12 03 NOV WM SUPERCENTER HANOVER PA 10 48 To call Customer Relations or 1-800-9$5-7070 to repom a lost or moles rand 13 03 NOV WAL-MART #2574 CARLISLE PA . 16.39 14 OS NOV .4I,L WIRELESS CETTYSBURG PA 26.45 15 06 NOV 0232 SHEETZ 00002329 MT HOLLY SPRG PA 24 12 Send payments to: Attn: Remittance Promsing Smd inquiries to: 16 08 NOV 020232 SHEETZ 00002329 MT HOLLY SPRG PA . 5,48 Capital One Bank Capital One 17 08 NOV TAIPEI CHINESE RESTAUR MT HOLLY SPRI P.4 9.69 P.O. Box 790216 P.O. Box 30285 18 OS NOV HARD BEAN CAFE Q34 CETTYSBURC PA 3,77 St. Louis, MO 63179-0216 shc, trr 84130-ozas 19 to NOV WM SUPERCENTER CARLISLE PA 50.72 20 10 NOV MCDONALD'S F1816 CARLISLE PA 5.81 21 11 NOV WAL-MART #2574 CARLISLE P.4 2g,g6 22 11 NOV BURGER KING #2080 Q07 CARLISLE PA q.3g 23 16 NOV KOHLS #0168 CARLISLE PA 43.97 24 17 NOV 0232 SHEETZ 00002329 MT HOLLY SPRG PA 7.37 25 18 NOV WAL-MART #2574 CARLISLE PA 6.08 Finance Charges Please nee reverJe Jide for imfortant information Bolanrr ratr Peiodu Con~.gondng FINANCE .gpiirdM rat- , PR ~~jAIjG$ PURCHASES 32,718.83 .03192%P 11.65% 326.90 CASH 5.00 .0617816P 2255% 5.00 SPECL4LTRANSFERS ;271.10 .0319216P 11.65% ;2.68 ANNUAL PERCENTAGE RATE applied this period 11.6590 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~'~~~ 0000000 0 4862362467011626 19 3128290079000093002 New Balance #3,128.29 Minimum Amount Due E93.00 Payment Due Date December 19, 2005 Tonal enclosed $ Account Number: 4862-3624-6701-1626 Capital One Bank P.o. Box 790216 llluutllul~lmllil St. Louis, MO 63179-0216 ItllnnllunlllmllJnllnmlilntll~lliuullJlulnl~l Pleare turite your account number on you P(rarrp.iutma:('xgaddrrr~ r-ma~(rJsmgrsbr! mingb! orb(aefink yrree[ Apt 3 City Snm ZIP Y.ome Phone Allecnare Plwne _~ #9032486750064481# MAIL ID NUMBER ~ JUSTIN G WEARY PO BOX 96 MOUNT HOLLY SPRINGS PA 17065-0096 ° ~ Imlllu~llltnillmltltlln~llu~ltlndliil~lntllnu~lll check or money order made Payable to Cofital One Bank and mail in the rncleued envelope. r 999 W Capita/Q~ Your Credit Future Is In Your Hands what's in ,yourwallet?~ Capital One® wants to give you all the help we can in managing your finances. To make the most of your time and money, take the following steps to maintain your good credit. CHECK IT: Review your credit report at least once a year to check for errors or fraudulent activity. FIX IT: Contact the credit bureaus and credit card providers to correct mistakes on your credit report. USE IT: Demonstrate wise use of credit. Make purchases regularly and pay your account on time. WATCH IT: Maintain good credit by keeping your balance under the credit limit and pay your bills on time. CONTROL IT: Moderation is key. Don't max out your credit. 898-1101 ~:ayal PLATINUM VISA ACCOUNT OCT 20 - NOV 19, 2005 4862-3624-6701-1626 Page 2 of 4 Account Summary Previous Balance Payments, Credits and .4djustrnents Transactions Finance Chazges 52,636.83 E79.00 5540.58 529.58 As a valued Capital One customer, you aze eligible to receive a free Year-End Summary for this specific account that recaps your 2005 charges, provided your account is in good standing and you have made transactions during the calendaz yeaz. Please call 1-877-794-4487 before December 31, 2005, to reserve your copy for this account. We will begin processing orders in Januazy 2006. New Balance Minimum Amount Due Payment Due Date E3,12829 593.00 December 19, 2005 HELPFUL PAYMENT HINT: We understand that making only the minimum payment may be the best choice for you. However, you71 pay lei interest and repay your balance sooner if you pay more than the minimum whenever possible. To explore the impart of making different payments, visit www.capitalone.com/calculator. Total Credit Line Total Available Credit Credit Line for Cash Available Credit for Cash Sq,OpO 5871.71 ;q,000 E871.71 At your service To nll Customu Relations or to report a lost or stolen nrd 1-800-955-7070 Send paymaiu to: S®d inquiria to: Attn: Remittance Proensing Capital One Bank Capital One P.O. Box 790116 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 8x130-o285 N n ~ PLEASE RETURN PORTION BELOW WITH PAYMENT ~`~~ 0000000 0 4862362467011626 19 3128290079000093002 New Balance 53,128.29 Minimum Amount Due E93.00 Payment Due Date December 19, 2005 Total enclosed S Account Number: 4862-3624-6701-1626 Mrarrpriat mai!'ag add <rr and r-rnaildprsgrr bnbeu uriugb/ orb/ kirsk seen Apc F C'ry S:au ZIP Home Phone Aloemne Phone Capital One Bank P.O. Box 790216 St. Louis, MO 63179-0216 #9032486750064481# MAIL ID NUMBER JUSTIN G WEARY PO SOX 96 MOUNT HOLLY SPRINGS PA 17065-0096 Please writcyour ai'count number on yo,n rhak or money order madepayable to Capital One Bank and moil in t!x enek~sed envelope. 11175 6s-6n/sto o6zsloz 596826 ,V(~a Richmond, VA Memo Purchase Check' Dollars Cardholder Signature li'iii751~' ~:0 5 1006 7 781:86524670ii62611' ~~a~i„h T PLA INUM VISA ACCOUNT NOV 20 - DEC 19, 2005 4862-3624-6701-1626 Page 1 of 3 Account Summary Payments, Credits and Adjustments Previous Balance E3,128.29 1 19 DEC C.APIT.AL ONE ONLINE .ACH PAYMENT E93 00- Payments, Credits and Adjustments 593.00 . Transactions 5404.69 Finance Chazges f32 50 Transactions 2 18 NOV KMART 00077461 CARLISLE PA 538 12 New Balance E3,472.48 Minimum Amou t D 3 20 NOV WM SUPERCENTER CARLISLE PA . 33.71 n ue 5104.00 Payment Due Date January 19 2006 q 21 NOV WM SUPERCENTER CARLISLE PA 43.99 , 5 21 NOV PAPA JOHNS #0964 CARLISLE PA 29.65 Total Credit Line ~ 000 6 25 NOV 020232 SHEETZ 00002329 MT HOLLY SPRG PA 8.26 Total Available Credit 5527.52 7 25 NOV WAL-M.ART #2574 CARLISLE PA 13.21 Credit Line for Cash Eq 000 8 29 NOV FIRST STOP V1DE0 MT HOLLY SPRI PA 7,00 Available Credit for Cash E527.52 9 29 NOV WM SUPERCENTER CARLISLE PA 24.06 10 30 NOV 010232 SHEETZ 00002329 MT HOLLY SPRG PA 4.40 Atyowservice 11 30 NOV DUNH.AMS #117 CARLISLE PA 16.73 12 05 DEC KM.ART 00077461 CARLISLE PA 7 q8 To call Cttstoma Rehtions or to report s lost or stolen Ord: 1-800-955-7070 13 07 DEC TACO BELL #17000170167 CARLISE PA . 6.98 14 07 DEC STAPLES #870 CARLISLE PA g2,3q Send payments to: Smd inquiries to: 15 08 DEC 020263 SHEETZ 00002634 CARLISLE PA 22.00 Attn: Remittance Processing 16 OS DEC T.A1PE1 CHINESE RESTAUR NIT HOLLY SF'Rl PA 8.10 Capital One Bank Capital One 17 09 DEC WM SUPERCENTER CARLISLE PA 23.85 P.O. Box 790216 P.O. Box 50285 18 14 DEC QUALITY CARE PH.ARM.ACY CARLISLE P:1 8.25 st. Lonis, MO 63179-0216 sLC, UT 84150 o2ss 19 16 DEC WAL-M.gRT #2574 CARLISLE PA 66,p6 As a valued Capital One customer, you aze eligible to receive a free Year-End Summary for this Important Account Infornlation specific account that recaps your 2005 charges, provided your account is in good standing and you have made transactions during the calendaz yeaz. Please go to www.capitalone.com and Its Capital One Bowl week Tune again Tune in to ESPN access your account to request your Yeaz-End Stunmary online or call 1-877-794-4487 before and ESPN2 starting on December 20 for the best in January 31, 2006, to reserve your copy. Orders will be mailed out by the end of February 2006. post-season college football action to see your favorite teams f ht for bowl championships. And on January 2 at 1 pm (L~, be sure to tune in to .ABC to watch the Capital One Bowl live from Orlando, Florida: Finance Chazges Plerue tee reverie ride jot important information E Balarur raft Prr;odv Co..rsponJ;ng ~~~~ <pplydrn tart .4PR PURCHASES 53,172.19 .03192%P 11.65% CASH ;30.38 ;.00 .06178%P 22.55% SPECLALTRANSFERS ;221.78 .0319TI6P 11.65% 5.00 ;2.12 ANNUAL PERCENTAGE RATE applied this period 11.6596 PLEASE RETURN PORTION BELOW WITH PAYMENT ~apt~ 0000000 0 4862362467011626 19 3472480093000104000 New Balance E3 472 48 '.Minimum Amount Due E104.00 Payment Du< Date January 19, 2006 Total enclosed E Acwunt Number: 4862-3624-6701-1626 P<airy,;Rr,,,a;rn8ada~r„ a,r~ ~r-~arnaaa~, ertoe:,ar; ga,~~ra;a<t r>rt: Street Apc :r Ciry Suu ZIP Home inane Alurnne PMne ~ #9035486750064488# MAIL ID NUMBER Capital One Bank ~ JUSTIN G WEARY P.O. Box 790216 ~~~ut~~nuu~~~t~u~ ~ ~ PO BOX 96 St. Louis, MO 63179-0216 ~ MOUNT HOLLY SPRINGS PA 17065-0096 ~= ~t~~tut~~nn~~~ut~~s~u~~uut~t~nt~~t~~uur~~t~~u~u~r~ ° ~ ~ut~~~ur~~~tnt~~nt~t~t~~m~~at~t~nt~~n~t~ut~~nut~~~ Pleare write yaar aamsnt number on yoar checz or money ordn mode payable to Capita.' One Baez and mail in the enr:ared envelope. r JUSTIN G YVEARY PO BOX 96 MOUNT HOLLY SPRINGS PA a7o65-0096 Date YOU COULD SAVE UP TO OR MORE ON AUTO INSURANCE WITH ONE PHONE CALL See reverse for details-- Account S Previous Balance E3,472.48 Payments, Credits and Adjusunents 5104.00 Transactions E174.10 Finance Chages E37.10 New Balance E3,579.68 Minimum Amount Due E107.00 Payment Due Date February 18, 2006 Total Credit Line y},000 Tonal Available Credit E420.32 Credit Line for Cash Eq,000 Available Credit for Cash (420.32 At yourservice This account's Non-Inuoduc[ory Rates as of 12/20/05 aze: purchase A.P.R = 11.6544V, cash To call Customer Relations or to report a lon or stolen card advance A.P.R = 22.5596V and special transfer A.P. R = 11.6546 V. If the A.P. R is followed 1-800-955-7070 by "V," then your corresponding A.P.R is a vaziable rate. Send payments to: Srnd inquiria to: Attn: Remithna Procec..ing Capital One Sank Capital One P.O.Box 790216 P.O. Box 30185 St Louis, MO 63179-0216 SLC, UT 84130-02&5 PLATINUM VISA ACCOUNT DEC 20, 2005 -JAN 19, 2006 4862-3624-6701-1626 Page 1 of 2 Payments, Credits and Adjustments 1 17 JAN CAPITAL ONE ONLINE .4CH PAYMENT E104.00- Transactions 2 19 DEC 010232 SHEETZ 00002329 MT HOLLY SPRC PA E25.76 3 20 DEC WM SUPERCENTER CARLISLE PA q(~,95 4 28 DEC WAL-MART #2574 CARLISLE PA 28.50 5 03 JAN WAL-MART #2574 CARLISLE PA 19.93 6 10 JAN FIRST STOP V1DE0 MT HOLLY SPRI PA 3.50 7 11 J.aN 0232 SHEETZ 00002329 MT HOLLY SPRC PA 4.22 8 l I JAN WM SUPERCENTER CARLISLE PA 9,g2 9 11 JAN WM SUPERCENTER CARLISLE P.4 7.31 10 17 J.aN 0232 SHEETZ 00002329 MT HOLLY SPRC PA 28.11 596795 F'utatlce Charges P/aue ue reverie fidefm important information Berl ratr Prr;odir Corrrrpandxg ~'~j~Aj~~''E ' M ppf;cdto r~r APR (, li[>,Ij(JE PURCHASES 33,438.06 CASH .03329%P 12.15% 335.46 3.00 SPECIAL TRA.YSFERS 3157.05 .06315%P 23.05% .03329%P 12.15% 3.00 Sl.ti2 ANNUAL PERCENTAGE RATE applied this period 12.1596 PLEASE RETURN PORTION BELOW WITH PAYMENT ~ ~~ 0000000 0 4862362467011626 19 3579680104000107001 Pl asrpr;Rr mmGag add ,s ,mdi r-,na;lrMrcgrr br~bu, w;ngh6rr or6iarE;R.i: New Balance E3,579.68 Minimum Amount Due E 107.00 so-«i Payment Due Date February 18, 2006 qpc p Ciry Snare ZIP Total enclosed E Account Number: 4862-3624-6701-1626 Home Phone Alrernaoe Phon< ,. Capital One Bank P.O. Box 790216 ~~~u~~~un~u~~r~n~ St. Louis, MO 63179-0216 ~r~~un~~on~~~ur~~r~u~~uur~i~ur~~r~~uur~~r~~u~u~s~ ~ #9002086750064485# MAIL ID NUMBER JUSTIN G WEARY ~ L PO BOX 96 rv ~ MOUNT HOLLY SPRINGS PA 17065-0096 ° ~ ~ur~~~ns~~~uu~~ur~r~r~~nr~~us~~~ur~~n~r~ui~~uus~~~ r Pleare write your account nssmber an your check or money order node payable to Capita! One Bank and mail in the enclaud envelope. - Now with °D3 ' FREE Accelerator peoplepc~~ online • • ~ for the Nrst 12 months'-a •60 value ~ ~ Abetter way to Internet. * PeoplePC Online offers all the features you ~ ~~ would expect from higher-Priced Internet ~ ~ ~ Service Providers, including: - ® Virus Protection Powered ay symranteo*a a month for erst3 monms; ~ Pop-Up BIOCkerr"" $9.95/mo. thereafter `~l Spam Controls SION UP TODAY: ® Smarter Smart Dialer Technology ' 1 -~~~-58~-9669 ~ ~ More Email Addresses Mention Offer Code: PEARL Or visit www.peoplepc.corn/go/pearl ®~ Internet Call Waiting ~a PLATINUM VISA ACCOUNT JAN 20 -FEB 19, 2006 4862-3624-6701-1626 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance E3,579.68 1 18 FEB C.4PIT.4L ONE ONLINE ACH PAYMENT 5107.00- Payments, Credits and Adjustments E107.00 Transactions $347.04 Finance Charges E38 ~ Transactions 2 19 JAN WM SUPERCENTER CARLISLE PA $11.52 New Balance $3,858.62 3 19 JAN JW MUSIC CARLISLE PA 9.49 Minirnum.4tnoum Due E115.00 q 2U JAN KMART UW77461 CARLISLE PA 16.95 Payment Due Date Mazch 18, 2006 5 22 JAN WM SUPERCENTER CARLISLE PA 2g,06 Total Credit Line 6 23 JAN KOHLS #0188 CARLISLE PA 2q,30 ~'~ 7 23 AN WAL-MART #2574 CARLISLE PA Total Available Credit ;,00 J 6.86 Credit Line for Cash E4,000 8 25 J.4N WM SUPERCENTER CARLISLE PA 9.62 Available Credit for Cash ;.00 9 26 JAN WM SUPERCENTER CARLISLE PA 16.52 10 26 JAN QUALITY CARE PHARMACY CARLISLE PA 6.95 At your service 11 30 J.4N LUBE N GO CARLISLE P.4 24.33 12 31 J.4N TACO BELL #17000170167 C.4RLISE PA 5.93 To call Customer Relations ono report a lose or stolen ard: 13 31 JAN WM SUPERCENTER CARLISLE PA 19.77 1-800-955-7070 14 31 JAN KM.4RT 00077461 CARLISLE P.4 4.76 15 07 FEB STAPLES #1239 GETTYSBURC PA 6.10 Send payments to: Send inquiries to: 16 16 FEB ROB MAY/MEIER & FRSNK LAKEWOOD (:A 155.88 .Attn: Remitmn« Processing Capital One Bank Capital One HELPFUL PAYMENT HINT: We understand that making only the minimum payment maybe the P.O. Box 790116 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, LIT 84130-0285 best choice for you. However, you'll pay less in[aest and repay your balance sooner if you pay more than the minimum whenever possible. To explore the unpatt of making different payments, visit www.capitalone.com/calculator. As a valued Capital One customer, you aze eligible to receive a free Year-End Summary for this specific attount that recaps your 2005 chazges, provided your account is in good standing and you have made tiansacdons during the catendaz yeaz. Please go to www.capitalone.com and access your account to request your Yeaz-End Summary online or call 1-877-794-4487 before March 31, 2006, to reserve your coyy. Orders will be mailed out by the eud of Ayril 2006. Finance Charges Pleue ree reverse fide fm important information m Ba! n ratr Prriodir Corresponding ~I~ICE ~ .yp/irdto ref APR lalAAii((GE PURCHASPS 53,679.6> .03329%P 12.]5% 337.97 CASH 5.00 .06315%P 23.05% 5.00 SPECL4LTRANSFERS $89.86 .0331996P 12.15% 3.93 ANNUAL PERCENTAGE RATE applied this period 12.15% PLEASE RETURN PORTION BELOW WITH PAYMENT ~~~'""~ 0000000 0 4862362467011626 19 3858620107000115006 New Balance ;3.858.62 Minimum Amount Due 5115.00 Payment Due Dau Mazch 18, 2006 Total enclosed ; Account Number: 4862-36246701-1626 Pl asrpnnt rnai~7ng addrrrs~ r-ma~1d„ngrs beioa, mi,ag tiler orAlerk irsE greet Apc 6 Gq Suu ZIP Home Phone /ilurnaoe. PMne ~ #9005086750064482# MAIL ID NUMBER Capital One Bank ~_ JUSTIN G WEARY P.O. Box 790216 ~~~m~~us~nt~~rn~~ m PO BOX 96 r St. Louis, MO 63179-0216 ~ ~ MOUNT HOLLY SPRINGS PA 17065-0096 ~~~~nu~~nu~~~u~~~s~u~~usu~i~m~~e~~nu~~~s~~n~u~r~ ° ~ ~m~~~ru~~~nu~~us~r~t~~us~~us~r~u~~~n~i~m~~uni~~~ P.'eare unite yow amount numbn an yaw check or money order mode payable to Capital One Bank and mail in the enrlored en-uelo-pe. - Now wkh FREE Accelerator e • for the first 12 months'-a stSO value ~` 97 ~~ a • a month for lost 3 months; $9.95/mo. theraetter SIGN UP TODAY! ' 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.com/go/emerald ~7J7itj7l ` Account S Previous Balance 53,858.62 Payments, Credits and Adjustments 5115.00 Transactions 510.00 Finance Chages 536.06 New Balance 53,789.68 Minimttm Amonnt Due 5113.00 Payment Due Date April 19, 2006 Total Credit Line $4,000 Total Available Credit $,Op Credit Line for Cash $q,000 Available Credit for Cash $.Op At your service To mll Customer Relations or m report a lost or stolen card: 1-800-955-7070 Send payments to: Send inquiries to: .Atm: Remithnee Processing Capful One Bank Capital One P.O. Box 790216 P.O. Box 30255 St Louie, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Please review the enclosed privacy information and retain it with your aaount records. Also visit www.capitalone.com/creditcazds and dick on the Visit the Guide to Benefits link to leaza about your latest Visa. or MasterCazd. account benefits. The descriptions in this online guide replace any information you received in the past For a printed copy of the Guide to Benefits, call the Customer Relations number on the bade of your card. PLATINUM VISA.4000UNT 4862-3626-3071-7232 FEB 20 -MAR 19, 2006 Page 1 of 1 Payments, Credits and Adjustments 1 18 M.4R Cap 1 E]ecvonicPhonePmt.4uthDate 17-M.4R f115.00- Transactions 18 MAR PAY-BY-PHONE FEE E 10.00 .4s a valued Capital One customer we want }roe to know that your account number has changed. Aher you activate your new card, you will need to give your new account number to thou merchants with whom you have set up automatic billing. This will ensure that the payments you have arranged will continue to be billed d'uectly to your Capital One card, saving you time and money on postage. Once again, thank you for choosing Capita] One. Fatartce Charges Pkrue tee reverx ride jot important injo'snation ~ B~ rat' Perodu Conrspmtding FINANCE ppr dr rof A CI-IAIjGE ~ PURCHASES (3,843.68 .03329%P 12.15% 535.83 CASH i.00 .06315%P 23.05% 5.00 SPECIAL TR4NSFERS 524.82 .03329!~P 12.]5% 333 ANNUAL PERCENTAGE RATE applied this period 12.1596 PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4862362630717232 19 3789680115000113006 New Balance 53,789.68 Minimum Amount Due 5113.00 Payment Due Date April 19, 2006 Total enclosed E Account Number: 4862-3626-3071-7232 P(areprixt sxo;e7ng adbrrr axd ar-ma;/d,,xxger bel mrxg niw ortiluck;nk So-ett Apc t City Suce ZIP Nome Yhone Alrecmc: Phone ~ #9007835852124166# MAIL ID NUMBER Capital One Bank JUSTIN G WEARY P.O. Box 790216 ~~~nuu~~~~nt~s~n~ ~ ~ PO BOX 96 St. Louis, MO 63179-0216 =_ MOUNT HOLLY SPRINGS PA 17065-0096 ~t~~tut~~tus~~~nr~~r~u~~uut~t~nt~~t~~unr~~r~~u~u~t~ ° __ ~us~~~ur~~~un~~us~s~t~~nt~~ut~r~ns~~n~t~nt~~tnu~~~ Please write your auounl numbn on yoxr check or money mdn 'node payable to C ~taT One Bank and'nail in the easel<uedenvelope. peoplepc~a online ~i Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® ~rU$ PfOteCtlOn powered by SymantecT" ® Pop-Llp BlockerT"^ .~ Spam Controls ~ Smarter Smart Dialer Technology ®~ More Email Addresses ® Internet Call Waiting r Show Mom your love ! ~3 Special savings for Capital One$ Cardholders! * on your next purchase when you use Promotion Code CAP66 , Save (See reverse for details) ~ Save this code! Offer good all year long! ~ Remember: Mother's Day is Sunday, May 14th I ~~ 1-800-flowers~com~ Call 1-800-FLOWERS" (1-800-356-9377) or Click www.1800flowers.com today! Your florist of choice_ L__________________________________________________________________________________________________J ~ PLATINUM VISA ACCOUNT MAR 20 -APR 19, 2006 4862-3626-3071-7232 Page 1 of 1 Account S Previous Balance 33,789.68 Payments, Credits and Adjustments 1113.00 Transactions 510.00 Finance Chazges 540.08 New Balance 53,726.76 Minimum Amount Due f 111.00 Payment Due Date May 19, 2006 Total Credit Line Eq,000 Total Available Credit 5,00 Credit Line for Cash Eq,000 Available Credit for Cash 5,00 At yow service To caB Customer Relations or to repon a lost or stolen mrd: 1-800-955-7070 Send paymrnts to: Send inquiries to: Attn: Remittance Proceuing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, UT 84130-0285 Payments, Credits and Adjustments 1 19 APR Cap 1 ElectronicPhonePmt AvthDate 19-.4PR f 113.00- Transactions 2 19 APR PAY-BY-PHONE FEE E 10.00 Finance Charges Pleae tee reverse ridejor important information B~ rm~r Periodic Correyanding FINANCE ~ ~prudr tart ,ff CI3ARGE ~ PURCHASES 53,805.73 .03397%P 12.40% f40.09 CASH 5.00 .0638496P 23.30% 1.00 ANNUAL PERCENTAGE RATE applied this period 12.4096 • PLEASE RETURN PORTION BELOW WITH PAYMENT Caps 0000000 0 4862362630717232 19 3726760113000111006 New Balance 53,726.76 Minimum Amount Due 5111.00 Payment Due Dale May 19, 2006 Tots] enclosed E Account Number. 4862-3626-3071-7232 Capital One Bank P.o. Box 790216 IllrrrrrJLdLlrlyd St. Louis, MO 63179-0216 IJlrnrllnnllludldullun~lrlrnllrllnudldlnlulrl P/rarrpn'ntmaliixgadArcrranb r-mailrAuxgcrbrio.~wixgbivrorbia~l in.E ~~ Apc P c-i~Y Sm~e ZiP Home Phone Alucnme. Phone ~ #9011035852124167# MAIL ID NUMBER ~ JUSTIN G WEARY ~ PO BOX 96 m MOUNT HOLLY SPRINGS PA 17065-0096 ° Irrrllhrdllrrt~Ilr~~I,I~ILrrlhrrlrlrrJLrld~r~ILrrrrlll r Pleare writeyora acroanl number an your check or money order node payable to Copital One Bank and mail in the earl ed envelope. C~~jQYlBa what's in your wallet? JUSTIN G WEARY TAKE CONTROL OF YOUR 059 CREDIT WITH CAPITAL ONES Your account is permanently restricted from future purchases and cash advances. But, it's not too late to prevent damage to your credit. We want to help! Let`s work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2006 Capital One Services, lne. Capital One is a fedemUy registered service mark. All rights reserved. 059-07754 Account S Previous Balance T3,726.76 Payments, Credits and Adjustments E110.00 Transactions E187.00 Finance Charges E39.77 New Balance ;3,843.53 .'Minimum An-~wmt Thic $2.33.19 Payment Due Date June 19, 2006 Tonal Credit Line ¢1,000 Total Available Credit E,00 Credit Line for Cash E4,000 Available Credit for Cash E.00 At yotu service To mll (.Lstomer Relations or to report a last or nolen card: 1-800-955-7070 Srnd payments to: Srnd inquiries to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, UT 84130-0285 PLATINUM VISA ACCOUNT APR 20 -MAY 19, 2006 4862-3626-3071-7232 Page 1 of 1 Payments, Credits and Adjustments 1 17 M.4Y Cap 1 ElectronitPhonePmt.4uthDate 17-MAY E110.00- Your scheduled payment has not been received. Please remit the amount due appeazing on this statement. If you have aheady made }roar payment, please accept our thanks. Ttattsactions 2 20 APR Rtn E]ectroaicPhonePmt E113.00 3 25 APR Return Check Fee 29,00 4 25 .qPR PAST DUE FEE 35.00 5 17 MAY PAY-BY-PHONE FEE 10.00 Youie behind b~- r~vc~ pa~.nteuts. Let's tail:.:#you`re haeing fitu;;ciai difficril[ies and c.uit make; o;u tuiitunum 1 at ment v rant to help. Let's }verk togetltt~- :o find a w,ution that works best fcr yau. fi ve us :r u111 at 1 ~Ot, t15,i~, u. HELPFUL PAYMENT HINT; We understand that making only the minimum payment maybe the best choice for you. However, you71 pay lei interest and repay your balance sooner if you pay more than the minimum whenever possible. To explore the impact of making different payments, visit www.capitalone.com/calculator. Finance Charges Please see reverie ride jm important injormation ~ Balaxn raft Prn'odu Conespmdmg ~Q~I(`E applirdro tar AAPR fAi11LLGG$ ~' PURCHASIS (3,90228 .0339796P ]2.40% E39.77 CASH 5.00 .0638496 P 23.3096 5.00 ANNUAL PERCENTAGE RATE applied this period 12.4090 • PLEASE RETURN PORTION BELOW WTTH PAYMENT ~'°~~ 0000000 0 4862362630717232 19 3843530110000233196 New Balance E3,843.53 Min'unum Amount Due 5233.19 Payment Due. Date June 19, 20Jfi Total enclosed E Account Number: 4862-3626-3071-7232 Capital One Bank P.o. Box 790216 llliwnlllntlllml St. Louis, MO 63179-0216 Idluullunllludldulluudtlutlltllnudltllnluld Pirarrpnrst mai!'ng addrrn and/arr~raii r5angrr tir,'uu airsgbiw or tiiark ink City Sine Home Yhon< Alcecnao: Phone ~ #9014035852124164# MAIL ID NUMBER JUSTIN G WEARY PO BOX 96 „°, MOUNT HOLLY SPRINGS PA 17 D65-0096 ° t Indlludll~nJlmltltllutllndduJlnlJntlluudll 4pc 3 ZIP r Please elsrite your amount numbn on yow rherk or monry order made payable to Capital One Bank and mail in the ensleued m~velope. ~ / ~P~ YIE Account S First 3 months half-price 97* a month; $9.95/mo. thereafter ,~~ FREEAccelerator' -~'' w/.n ras else w for fa etonw SIGN UP TODAY! ' 1-877-778-1207 Mention Offer Code: OPAL Or wsit www.peoplepc.corn/go/opal Previous Balance (3,843.53 Payments, Credirs and Adjustments 1233.20 Transactions f.00 Finance Charges E40.01 New Balance (3,650.34 Minimum .Amount Due (109.00 Payment Due Date July 19, 2006 Tonal Credit Line yq,000 Total Available Credit E,00 Credit Line for Cash (4,000 Available Credit for Cash f.00 At yow service To roll Customer Relations or to report a lost or stolen nrd: 1-800-955-7070 Smd payments to: Send inquuia to: Attn: Remittance Processing Capital One Bank Capiral One P.O. Box 790216 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 54130-0285 Important Account lnformadon Take control and start paying your bill online for free. Eliminate the hassle of writing checks, finding stamps, and sealing envelopes, Evetytlling you need to access, review, and pay your bill is mailable online. Our website offers you a convenient, simple, and secure way to manage your account Visit www.capitalonacom and regis[er your a«oun[ to start simplifying your life today! PLATINUM VISA ACCOUNT 4862-3626-3071-7232 MAY 20 -JUN 19, 2006 Page 1 of 1 Payments, Credits and Adjusmtents 1 O6 JUN DIRECT DEBIT PAYMENT f 116.60- 2 17 JUN DIRECT DEBIT PAYMENT 116.60- "''Important Notice" Yout 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 (A.P.Rs) may inQease. Finance Charges Pleeueru revnretidefor important information B~ ~~m'r Pr~dw C rpondmg F1IsIAN~~ APR Cj~Aj~ M PURCHASES (3,799.11 .03397%P 12.40% 540.01 CASH 5.00 .0638496 P 13.30% 5.00 ANNUAL PERCENTAGE RATE applied this period 12.4090 PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4862362630717232 19 3650340116600109005 New Balance (3,650.34 Minimum .Amount Due f 109.00 Payment Due Date July 19, 2006 Total enclosed E Account Number. 4862-3626-3071-7232 Capital One Bank P.O. Box 790216 ~~~unt~s~~~nt~~nt St. Louis, MO 63179-0216 ~t~~uu~~uu~~~tu~~t~tt~~uns~t~ut~~t~~uut~~t~~u~n~t~ Pl~are write your acraunt number ors yott Piearrgint mmi~rgaddrrm ersd%orr-maif rlnxngrr briow mirsdtiiw ar tiiark irs.E Stree~ .Apr t City SUce ZIP Home Phone Alumae: Phony ~ #9017135852124169# MAIL ID NUMBER ~ JUSTIN G WEARY PO HOX 96 ~ ~ MOUNT HOLLY SPRINGS PA 17065-0096 ° ~ ~w~~~tu~~~nn~~ut~t~t~~ut~~ut~t~tn~~n~t~nt~~unt~~~ check m money order made payable So Capital One Bank and mail in the enc!<ued emvelope. Oo3 peoplepc~~ online U Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up Blockert^^ `'~ Spam Controls ® Smart Dialer ®~ More F_mail Addresses ®~ Internet Call Waiting r CapitalQ~• what's in your wallet? JUSTIN G WEARY TAKE CONTROL OF YOUR 059 CREDIT WITH CAPITAL ONE: Your account is permanently restricted from future purchases and cash advances. But, it's not too late to prevent damage to your credit. We want to help! Let's work together to find a solution that's right for you. You can make a payment with our fr~ check by phone service or speak to an associate by calling 1.800.955.6600. © 2006 Capital One Services, Inc. Capita! One is a federally registered service mark. A![ rights reserved. 059-07754 Account S Previous Balance E3,650.34 Payments, Credits and Adjustments E.00 Transactions E35.00 Finance Charges E38.90 New Balance E3,724.24 ~l•Lnimum Amottnr Dne E220 ~X) Payment Due Date August 19, 2006 Total Credit Line E4,000 Total Available Credit E,00 Credit Line for Cash E4,000 Available Credit for Cash E.00 At yotu service To nB Customer Relations or to report a lost or stolen card 1-800-955-7070 Send payments to: Send inquiries to: Attn: Remittance Promssing CepimlOn<Bank Capital One P.O. Boz 790216 P.O. Box 30285 St. Loti:, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Take control and start paying your bill online for free. Eliminate the hassle of writing checks, finding stamps, and sealing envelopes. Everything you nerd to access, review, and pay your bill is available online. Our website offers you a convenient, simple, and secure way to manage your account Visit www.capitalona.com and register your account to start simplifying your life today! PLATINUM VISA ACCOUNT 4862-3626-3071-7232 Payments, Credits and Adjustments JUN 20 - JUL 19, 2006 Page 1 of 1 Your scheduled payment has not been received. Please remit the amount due appeazing on this s[atement. If you have a}ready made your payment, please accept our thanks. Transactions 1 19 JUL PAST DUE FEE E35.00 Your account is one oaymenr. llehiud. Remember drat mai:iqc; your mi•.umum paynu•.nts b_v the clot darn, kteps yrotu accoum in wad sianding. 4i~7ren you miss a pa}>mer.~:, laie fees si<r: adding cep. Anr. n.~bodv wants ;lra:. So snake sure }rou srnd in t-hr, minimum amaunr dur on vrnrr ;rarrrr:en. to keep wn;r a:conni. in froa~i siandico- and to keep from paying rx~sas fees. You were assessed a past due fee of E35.00 on 07/19/2006 because your minimum payment was not received by the due date of 07/19/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Plnue see reverse side jar important information M Eat rerr Pm'odu Cmrerpaxdiag FINANCE app'iedto set AAPR CI-1,~1jGE PURCHASES 53,669.10 .0353MWP 12,9096 (38.90 CASH 5.00 .0652196P 23.50% 5.00 ANNUAL PERCENTAGE RATE applied this period 12.9096 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~'~~ 0000000 0 4862362630717232 19 3724240116600220003 New Balance E3,724.24 Minimum Amount Due 5220.00 Payment Duc. Date au?vst 19, 2006 Total enclosed E Account Number: 4862-3626-3071-7232 Capital One Bank P.O. Box 790216 lllnlulllullnnll~ St. Louis, MO 63179-0216 111111 llllllllllll 111 11111 11111 llllllllllllll 111 ll 111 ll 111 ll l Pkare turiteyasrr auaant numbs on yore PleasrpnianraiPagedbrrraced/ r-arcilrl agesbr,oeuwiagb! orblar:Eiak 8vett miry Sure Home PMne Alce~nau: Phone ~ #9020135852124164# MAIL ID NUMBER - JUSTIN G WEARY ~ PO BOX 96 ~ MOUNT HOLLY SPRINGS PA 17065-0096 a o llllllllllll llllllllllllllll 111 ll 111 1111111 llllllllllllll ll 111 rheck or ropey order mode payable to Capita! One Bank and mail in }he enr.'cuedenvelope. Apr. Y ZIP r Cal~a/Orle' what's in your wallet?~ JUSTIN G WEARY TAKE CONTROL OF YOUR 059 CREDIT WITH CAPITAL ONE® Your account is permanently restricted from future purchases and cash advances. But, it's not too late to prevent damage to your credit. We want to help! Let`s work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2006 Capital One Servicer, Inc. Capital One is a ferlemlly registered service mark. All rigbtr reserved. 05307754 Account S Previous Balance ;3,724.24 Payments, Credits and Adjustments 5109.00 Transactions 335.00 Finance Chages 339.97 New Balance .L4inirmsm An'~ettnt late Paymem Due Date Tonal Credit Line Total Available Credit Credit Line for Cash Available Credit for Cash 53,690.21 3).21.00 September 19, 2006 PLATINUM VISA ACCOUNT 4862-3626-3071-7232 JUL 20 - AUG 19, 2006 Page 1 of 1 Payments, Credits and Adjustments 1 24 Ji1L PAYMENT RECEIVED -THANK YOU 3109.ao- Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment' please accept our thanks. Transactions 2 19.4UC PAST DUE FEE E35.00 34,000 Yotu account is one payment behind. Remember that raa!uag your miatimum pa±~nic:rts by the due date, keep; ;.00 your ae::ount in good :-tandir>i;, li7un you nrss a payment. laic fees sa:r atldin-~ ap, and ~nobodv wants drat. 34 000 So make sure you send in the rninimun: amount dun on year statemen: to ke,_p y~;,;r aa:~unt. nt ^ood staudi;:,; 5.00 and co kzep from paying axtras fees. At your service To call Customer Relations or to report a lost or Holes nrd: 1-800-955-7070 Send payments to: Send inquiriea to: Attn: Remittan« Proccsing Capital One Bank Capital One P.O. Bax 790216 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Take control and start paying your bill online for free. Eliminate the hassle of writing checks, finding stamps, and sealing envelopes. Everything you need to access, renew, and pay your bill is available online. Our website offers you a convenient, simple, and secure way to manage your account Visit www.capitalone.com and register }roar account to start simplifying your life today! ""`important Notice"` Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (.q.P.Rs) effective immediately. However, Capital One has elected not to raise your A.P. Rs at this time. Please be advised that if you fail to keep your account in good standing, Capital One reserves the right to raise your A.P.Rs in the future. You were assessed a past due fee of 335.00 on 08/19/2006 because your minimum payment was no[ received by the due date of 08/19/2006. To avoid this fee in the future„ we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Plerue ice revnre ridejor important information ~ ~ ~ Perwdr Corrapondixg CHARGE N edro r~ A CljAlj"~ PURCHASES 53,648.67 .0353496P 12.90% 539.97 CASH 5.00 .C652196P 23.8096 5.00 ANNUAL PERCENTAGE RATE applied this period 12.909b • PLEASE RETURN PORTION BELOW WITH PAYMENT ~p 0000000 0 4862362630717232 19 3690210109000221007 New Balance 53,690.21 Minimum Amount Due E221.00 Payment Dne Date Septemlxr 19, 20u6 Total enclosed 3 Account Number: 4862-3626-3071-7232 Capital One Bank P.o. Box 790216 Itlttlttltltllttnltll St. Louis, MO 63179-0216 Itllttalit.alllatlLlttlLrtttltln:ILIIttIttlLllttLtLl Plrarrpn'i.t mcilingaddrn~ r-mailr) ngcr br! mi gb( wb/anE irnt Street Apc 4 Clry Sou ZIP Home PMm Alurnao: PMne ~ #9023235852124169# MAIL ID NUMBER - JUSTIN G WEARY ~ PO BOX 96 MOUNT HOLLY SPRINGS PA 17065-0096 ° ~ !tallltttIllt.alL:tltLlLttlltnltltnllnltlnJlntttlll Please write your amount numbs on your rherk or moray order made payable to Capital One Bank and snail in the enrl ued envelope. r Caplfi~i>iQYl6' what's in your wallet? JUSTIN G WEARY TAKE CONTROL OF YOUR 059 CREDIT WITH CAPITAL ONE:' Your account is permanently restricted from future purchases and cash advances. But, it's not too late to prevent damage to your credit. We want to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ©2006 Capital One Services, Inc. Capital One is a federally registered service mark. AU rights rnerved. 05&07754 C,aplfa I7B" Account S Previous Balance 13,690.21 Payments, Credits and .4djtutments 550.00 Transactions 535.00 Finance Charges E62.06 PLATINUM VISA ACCOUNT 4862-3626-3071-7232 AUG 20 -SEP 19, 2006 Page 1 of i Payments, Credits and Adjustments 1 21 AUG PAYMENT RECEIVED -THANK YOU t50.00- Transactions 2 19 SEP PAST DUE FEE E35.00 New Balance 53,737.27 Rfinimutn:lnxmnt.lhte 528.3.(A) Yotire behm;iwi pavrneats i.e.s a1k.11t u e hour>Cmarcia hffiau_iesnr l.ani nal,evct Payment Due Date October 19, 2006 minimt:m t•.ayment . e wam to tell.. L~~_s xk s.griher ~ Grd a w ni.on that ~ or:... ocu ~~a sou. (,i•+r u. a :all a?. 1.R0~^.!11.70'17, Total Credit Line gq,000 Total Available Credit 5.00 NOTICE: Look for a new statement design for your Capital One aedit card beginning next month. Credit Line for Cash (4,000 A summary of the key changes will be provided with your new statement. Available Credit for Cash ;.00 "Important Notice"` Undtr the terms we previously diulosed to you, some or all of your Annual At yourservice Percentage Rates (A.P.Rs) have been increased since your aaount was past due twice in the past 12 billing cycles. Remember: If we receive your minvnum monthly payment on time for 12 To call Customer Relation: or to repon a lost or erolrn cord: conseattive billing cycles, this account will be reviewed for a possible return to your Non- 1-800-955-7070 Introductory A.P.R Send paymrnis to: Send inquiries to: Attn: Rercuttan« Processing Capital One Bank CapitalOnc P.O. Box 70884 P.O. Box 30285 C>,ulotte, NC 28272-0884 SLC, UT 84130-0285 Important Account Information Beginning October 1st, 2006, based on your account activity you maybe assessed more than two late, ovalimit, or returned chock fees that occur during any billing period. You were assessed a past due fee of 135.00 on 09/19/2006 because your min'vnum payment was not received by the due date of 09/19/2006. To avid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Please see reverse side for important information Ba/ors rate ' Perudu Conrrpondng FII~ANC`E iedto n gsp rat.• A CI-IAIjcE PURCHASES (3,671.17 .05452% 19.90% f62.06 CASH 1.00 A54529b 19.90% f.00 ANNUAL PERCENTAGE RATE applied this period 19.9090 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~ 0000000 0 4862362630717232 19 3737270050000283000 New Balance 53,737.27 Miwnum Amount Due (283,00 Payment Ilse Date Onolxr 19, 2006 Total enclosed ; Account Number: 4862-3626-3071-7232 Sant Apc Y Ciy Score ZIP Home Phone Alteenue Phone #9026335852124164# MAIL ID NUMBER Capital One Bank ~ JUSTIN G WEARY P.O. Box 70884 Islululsllslnulril PO BOX 96 Charlotte, NC 28272-0884 ~ MOUNT HOLLY SPRINGS PA 17065-0096 lulslluluslslluslnlsllluslulsltslnlullulrslssllsrrll ~ IuslllnsllluullurlslslluslluslrlusllnlrlnJluuslll Please unite your account number on your check m money order madepayable to Capital One Bank and mail in the enrl ued envelope. P/rarepnntmaillrsgaddrenaab e-nviirJungrrbe! urirsgb! orblarki:sk r VERIFICATION The undersigned does hereby verify subject to the penalties of l $ Pa. C.S. §4904 relating to unsworn falsification to authorities, that he is an attorney for the Plaintiff herein and makes this Verification based upon the facts as supplied to him by the Plaintiff because the Plaintiff is outside the jurisdiction of the court and the Plaintif.~s Verification. cannot be obtained within the time allowed for the filing of this pleading; and that the facts and circumstances set forth in this pleading, are true and correct to the best of his knowledge, information and belief. ~' dsay E. wland, Esquire CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Amended Complaint has been served by U.S. Mail, Postage Pre-Paid, on ~~iay of ~ 1. .2009 upon the following: ~,, Geoffrey Biringer, Esquire MEDPENN LEGAL SERVICES 401 E. Loather Street Suite 103 Carlisle, Pa 17013 ~I~~t~i=~;rE 2C~9 JAL ~2 ~'~~~ ~~ 3 ~~ ~~,~ ,,P i.-. „ g