Loading...
HomeMy WebLinkAbout09-4000tl . 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff VS. EMILY E STUM Defendant No : 09' Yom el "V l ? T on COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07171925 C N Pit KMJ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. Civil Action No EMILY E STUM 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: EMILY E STUM 1329 DOUBLING GAP RD NEWVILLE, PA 17241 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX8657 . 4. Defendant made use of said credit card and has a current balance due of $2638.37 , as of May 22, 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 28.100% per annum on the unpaid balance from May 22, 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 , EMILY E STUM , individually , in the amount of $2638.37 with continuing interest thereon at the rate of 28.1001 per annum from May 22, 2009 plus costs. James'-(J. Warmbrpdt,42524 WELT WEINBERG & REIS CO., L.P.A. 436 S v nth Avenue, Suite 1400 Pitt ugh, PA 15219 (41 4 4-7955 FAX 4 -338-7130 07 719 5 C N Pit KMJ This law firm is a debt collector att mp ing to collect this debt for our client and any information obtai e will be used for that purpose. FINANCE Previous Balance Payments & Credits CHARGE Transactions C$1,614 13 - $0 00 + $39 23 + $35 00 Jun 16, 2007 - Jul 16, 2007 Page 1 of 1 Visa Platinum Account 40342224906114057 (:A?!/#Ds* Your Account Information REWARDS TOTAL CREDIT LINE $1,20000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $1200 00 AVAILABLE CREDIT FOR CASH $0 00 Finance Charges (Besse see reverse for Important intrnlahm) Balan appt? b Prate Care APR - CRGE Purchases $736.16 007712%D 2615% $1766 Cash =89 007712%D 2615% $2158 ANNUAL PERCENTAGE RATE applied this period. 20.15% ® At Your Service l4M405S7M To d Custmw RNstas a to raped a kst orstoiw ard ® Send payments to. Child One Baer P 0 Banc 70881 Cho M, NC 28272-M Now Balance Mininuan Payment Due Data C$1,686 36 $488 36 Aug 1 D, 2007 PLEASE PAY AT LEM THIS AM0(JK7 Your account is sec payments behind I we charge off your acmurd due to late pop", we of report the charged-off status to several national ask bureaus, and the Purchase APR es reflected on the sW~ will be applied to 90 your outstanding believes Act nor, b prevent the from happening Please pay the amount due on your statement or give us a call at 1800 055.6600 We9 work with you so you can take wrhtol of your account and start rebuilding your credd with Capital One "Important Note" Under the tams we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) edectve irnedialsly Fklwever, Canal One has elected not to rase your APRs at this lime Please be advised that If you fail to keep your account in good standing, Capital One reserves the right to rase your APRs in the future Rewards Summary Previous available balance $000 Earned this period $000 (retedst emschoris posted dune do berg cycle) Available Balance $000 Payments. Credits & Adlus ilments Transacdons 1 10 JUL PAST DUE FEE $3500 A Serw incruirles to. CepsY One P O Sac80?!% "Lake City, UT S413MM Q For more Information on your Rewards. You were assessed a past due be because your minimum payment was not received by the due date To avoid Cal tA00-?2&300l 1-8 -M100e.cwrJraNrePerda C1 this fee in the future, we recommend that you allow el least 7 business days for your minimum payment to reads Capital One WIWI 1 6056 506 1 07 15 070716 PAGE 1 of 1 OlDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W CAPITALON E COM TO MAKE YOUR PAYMENT ON LINE 0 4934222490668657 15 1688360113000488368 CaapftaI what's in your waM7 Account Number. 4934-2224-9066-8657 New Balance Minimum Payment Due Date $1,686 36 $488 36 Aug 1 D, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed C? Capital One Bank P.O. Box 70664 Ir'Irlll'1'IIIJIIIIII Charlotte, NC 26272-0664 I11I1111111111111111161I1II1 1111611111161111 1111 111111161411 Please print address or phone number changes below using blue or black ink Address Home Phone Alternate Phone E-mad address #9019871589949290# MAIL ID NUMBER EMILY C sTUn 1321 DOUBLING GAP RD NEYVILLE, PA 17241-1756 ua???nr?u?r?r?n?na???r?n?ua?r?r?r?n?nr?r??r?ru?a?a 7171925 Please write your account number on your check or money order made payable to Capital One Bank and mad with this coupon in the enclosed envelope r PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintiff, V. EMILY E STUM Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. Dated: KA - a c' _ (n q L-?) Barbara Edwards A049 WELTMAN, WEINBERG & REIS CO., L.P.A. 6) F11 Fn--C,,, ICE OF COTARY .H- p M9 Julti1 15 F" ! 0 C v, ,: . , ?t?.,Y # 411"o ?#y Y) J# ,?2,?o 73 / Sheriffs Office of Cumberland County R Thomas Kline „tv of umber Edward L Schorpp Sheri` Solicitor Ronny R Anderson Jody S Smith Chief Deputy WCE OF THE Sµ@RIFF Civil Process Sergeant Capital One Bank (U.S.A.) N.A. Case Number vs. Emily E. Stum 2009-4000 SHERIFF'S RETURN OF SERVICE 06/17/2009 05:25 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on June 17, 2009 at 1725 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Emily E. Stum, by making known unto Ed Stum, father of defendant at 1329 Doubling Gap Road Newville, Cumberland County, Pennsylvania 17241 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $38.80 June 18, 2009 SO ANSWERS, , R THOMAS KLINE, SHERIFF Dep ty Sheriff ;- ?-_ 7 , N -y C"r _ N ' C) IN THE COURT OF COMMON PLEAS Ci1MBERLAND COt?NTY, PENNSYLVANIA CIVIL ACTION CAP:I"I'AL, ONE I3ANK (USA), NA, Plaintiff; v. EMILY E STUM . Defendant NO.: 09-4000 CIVIL., '1'fRM TYPE OF PLEADING: AMENDED COMPLAINT FILL;D ON I3EI-IALF Or: Plaintiff COUNSEL OI' RECORD O1~ 1' -IIS PARTY: Submitted bv: Plaintiff L,yndsay 1:;. Rowland, l;squire I'A I.I). 205120 WEL"I'MAN, WF.INBERG & REIS CO.; L.P.A 1400 Koppers I3ui lding 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 VG'WR: 7171925 IN "TI=IE COLJR'I' OF COMMON I'L,EAS Ct1MBERL.AND COI.JNTY, PENNSYI:.,VANIA CIVIL DIVISION C'APITAt, ONF.; BANK (IJSA), NA Plaintiff vs, Civil Action No. 09-4000 CLVII. TERM EMILY E STUM 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 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 SHOt1LD TAKE "THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT I-IAVE A LAWYER, GO TO OR TELEPHONE TI-IE OI~FIC'I~ SET FORTH E3EI.OW. -1'1:-I1S OI~'FICh, CAN PROVI[)I YOt~ WI"1'I{ INl~ORMA"PION AI30U"I' I-TIRING A LAWYER. lF YOL1 CANNOT AFFORD "hO HIRE A LAWYI~R, 'THIS OI~FICI MAY BI AI3Lf{, "['O PROVIDE; YOU Wl"I'I-I INI''ORMA"PION ABOU"I' AGI-?NCIE:S "I'1-IA'l" MAY OFFER. I.F,CJAL SERVICF..',S "I'O EI.IGIBI:.F'. PERSONS A"I' A IZEDLTCF..,D FEE OR NO FEE. CUMBERLAND COUNTY CtJMB1RI..ANI:) COLJN'['Y I3AR ASSOCIA'T'ION 32 SOUT'II BEDFORI:) ST'REET' CARLISLE. PA 17013 (717} ?49-~ 166 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: 1. Plaintiff is CAPITAL ONE BANK (USA), NA, a corporation with offices in 15000 CAPITAL ONE DRIVE RICHMOND, VA 23238-0000. 2. Defendant, EMILY E STUM is an individual residing at 1329 DOUBLING GAP RD NEWVILLE, PA 17241. 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. On or about October 11, 2004, the Defendant submitted an application to the Plaintiff requesting that the Plaintiff issue the Defendant a CAPIRTAL ONE BANK (USA), NA credit card. A true and correct copy of the October 11, 2004 application is attached hereto and made a part hereof as Exhibit "1." 6. Thereafter, 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 4934222490668657, 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 " 2." 7. Defendant subsequently accepted Plaintiffls offer to open the above credit card account on or about November 5, 2004 by using said card to purchase goods, merchandise and services, and take cash advances. A true and correct copy of the October 1, 2004 - November 9, 2004 statement is attached hereto and made a part hereof as Exhibit " 3." Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 9. 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 true and correct copy of the Defendant's monthly statements from October 10, 2004 -August 15, 2007 are attached hereto and made a part hereof as Exhibit "4." 10. 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. 11. Defendant made periodic payments on the account with the last payment made on the aforementioned account occurring on January 9, 2007 in the amount of $113.00. 12. 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. 13. The balance due and owing to the Plaintiff on the aforementioned credit card account as of August 15, 2007 was $1,763.02. 14. 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. 15. 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, EMILY E STUM in the amount of $1,763.02, with interest at the rate of 28.150% per annum from August 15, 2007 to date of judgment and costs. COUNT II-UNJUST ENRICHMENT 16. The averments contained in Paragraph 1 through 15 above, are incorporated herein by reference thereto as though herein set forth at length. 17. Defendant used her EMILY E STUM credit card to purchased goods, merchandise, and services. 18. By making use of said card, the Defendant has had a benefit conferred upon her through the use and enjoyment of those goods, merchandise and services purchased. 19, 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 "4," and as such has improperly retained the benefit(s) conferred upon her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against Defendant EMILY E STUM, in the amount of $1,763.02 with interest at the rate of 28.150% per annum from August 15, 2007 to the date of judgment and costs. ly Submitted, Lvfldsav E. PA'LD. 205 WELTMAN, EINBERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 7171925 TJX YID Complete this application for aTJXVisa® card. 8666 001 001 ^ Yes ~No I vveuld be interested to blank checks for an tmmedrale cash advance ^ Yes ®No [ have a checlung account Pleaseprintcleadyinblackor How many times per month do you shop at 7.J. Maxx, Marshalls, HorneGoods or A J. Wright? blue ink onthis application. 1 ^ Less than 1 2 ~ 1 2 3. ^ 3-4 A. ^ More than 4 oo~szao x666 We occasionally offer special bonuses to our cardholders. In the future, if we were to offer you a special incentive, which of the #o[[owrng woald you be most interested ins (check onej I,~Speclal low rates for bal>inoetransfers/p~lcha596 2, pAtltl~u9na1 ~ur~~~~~ rpf~srtl~ Fitst N me ~ iN.l. Last Name i __ ' Mailing Address (Plessepr easnaeradaress~-wvo aars)~Apt # Ct{y ~ Sta a ZIP ~ ~ Social Security Number Date of 8trdt `o m a m ~+ O C O 'L3 m m ai m s '~Ur Y~ 0 1 f ~ ~ v Take advantage of the ge~6 intro APR ' ~. ` _ ~ ~ __; try transferring higher-tale baiancas NOW.r 0 I H~ Home Plcone 0 0 ~ `r~ ~'!r!! l!Q-F~~ Tr~ins_f~r R~q>.~e~t .,.~ ._ ....~ ~511~t~itt~tf~ll~tFith~tett8'~1ltU,hat~nE~~tmma~.l~t~ly,a~~am,~.~t~c~~~~~~,~~Q~~on~'~ g ~ 1'~~~11~@1~1~t~1~'~~1~I~IQ1110r~~~4~111i111o~~1~11~t~,lQattQ1~11~a~st~t amaunl~~~~~~~ il~, Housing: Gross hrrtua~ Nouse~old Incetne based on your approved credit Ilne. AN transfer requests are sub}ect to approval We wll{ only ;Z' (~~T~~) consider your transfer request It you are approved for the offers vrRh variable rates currently I H~ O OwnRent ~ ~ ® ~ ~ ® equal to 9.g% or 12.g°k. You may request to transfer some or all of a gNen balance from another a p pU1er creditor please do not transfer less titan fifty dollars. There Is no fee for ihts setvlt:e. Are you employedv ~ Yes ^ No ^ Retired ~ 4 Card/Loon Issuer iW' - _.____._..-....... _.. ~ ~~ ~a~ Occupation(dreurod,wlwrwasyourformeraccupauonll ~ Account Number 1~ 1 , Speclnc Amount to Pay ~ ~CurretRBusinessPhone ~ ; .+'I ~ ~ ~ ~ 1 1 ~ ~ ~ ~ x Cardiloan Issuer (, !/ } E-matt Address (optional} Account Number i $ ~ _ _~ ~~ _.,~ ~ Specific Amount to Pay Please seethe Itnpoftent Disclosures enclosed for rate ~~ee and other costiaformatian. 1 have read the Important Disclosures and Terms of Offer enclosed, Including the provlston relating to aver tread andNagaee to the transfe amformlat n enclosedfYo~ a aluthorized torcheck mY credit andempioymenthtstory S~f'~/~' "'_ $~CiI1IA~~R~ ~ "_'- - - tease yr a cQlnramtedon a Toavad eJ~,P ~° redeoe U ~u ndsWeYouraPPt ~.-------- Date _ 71925 I ~ For Ofnaat Use Only ~ 1931 ss66 Store ID # Employee tD 001 001 '~~•~ ;~~. i r .~ >~ . ~, z D v ~~ ,~ 'O ~4 ~~ .~ .C R .~ 1' Marshatis. A.J.. Wr_igh~ .~. CUSTOMER AGREEMENT Welcome to Capital One.° We are pleased to have your credit card account. This Customer Agreement conlahs Informaton about your akxount. Please read it and keep it for your records. Your contract with us for the card and aaounl {"Ihe Agreement) consists of this Customer Agreement together with any changes Oo this Customer Agreement that we make as provided t>abw, the Security Account (if applicable), the Security Account Assignment Agreement ('d applicable~~ Capital One Pnvauy Notice, any account disclosures provided and delvered to you poor to or at the lime your account oper>ed, indud'ng discbsures pursuant to requirements of Truth in Lending Ad (herelnafter'TILA Account Disclosures'), as wall as any subsequent notices of changes to these documents, and any and all documents chat include your signature (inducting any e~ctronic or d'gttal sgnature) on any application, sales slip or other evidence of indebtedness on your account. In this Agreement the words 'you,' 'your and 'yours' refer to eadr person who signed the application for the account (each, a 'jdnt eccounthdder) and to anyone else who 's authorized b use the account h arty way (each, an 'Authorized Used. Except as sperdncalty staled herein, each of you is IndNfdually and jointly obligated under Nis Agreement The words 1ve,' "us" and "out' mean Capital One Bank and Its successors, assgns, agents and/or authorzed representatives. If the appgcatbn for the account stated that the account will be a "Security Account" this means the funds you have pledged to us tc scare your account This Agreement and the Security Account Assignment Agreement (g applicable) do not appy to any other Capital One Bank acmunt that you may have, either now or in the future, except as provided in the Arbttratbn Provision below. Unless you have entered into a Severity Account Assgnmenl Agreement with us, the account is unsecured. Except as provided h the Security Account Assignment Agreement (if applicable), the account is not secured by any other property, regardless d the terms of any other contract to which you and we are subject. We can delay entordng any of our rghts under this Agreement wtlhout bring them. The card is and remains our property, and you will surrender it to us at any time upon request. Assignment We may transfer your account, the Security Account ('rf applicable), the Security Arxount Assignment Agreement {If applicable) andlor our rights under this Agreement to an assignee. The assignee will take our place under fhb Agreement the Security Account (tt applicable) and the Security Arxcunt Assgnment Agreement (tt applicable} with respect to the agn;ements end hteresis transferred. The assgnee may or may not bean affiliate of Capital One Bank. You must pay the assignee and otherwise pertorm all of your obligations under those agreements. You may not Irensfer your account or your rights under tltis Agreement the Seadty Account (if applicable) or the Security Account Assignment Agreement (rf applicable) to any person or entlty without our express prbr written consent. Subject to the preceding sentence, this Agreement will be binding and inure to the benefit of your and our respective suaassors, assgre and representatives. Using Your Account. You can make purchases end obtain cash advances {rf cash advances are an option far your account) by using your cab, acmunt number and any account access checks (including Purchase Checks, Convenience Checks, Special Transfer Checks and other similar checks) that we may send to you. Additbnalty, you may request a stop payment on akxount access checks, but we reserve the tight to charge you a fee for such services. When we provide you with akxpunt access checks, we will tell you whether they will be treated as purcltases, cash advances ar special transfers. Unless we tell you otherwise, Convenience Chedks will akvays be treated as cash advances. We may establish different segments for your account, such as a purchase segment a cash advance segment and a special transfers segment. Each segment may be subject to terms and mndilions that are different than those that are applicable to other segments. Our liability, if any, for any wrongful dishonor of an account access check is limited to your actual damages and shall not include any consequential damages, and in no event will tt exceed the amount of the dtedk. You agree rwl to use the card or account in connection with any Internet or illegal gambling transadans, but any Internet or illegal gambling transactbns h which you engage with the card or account nevertheless wig be subject to This Agreement and the Security Akcounf Assignment Agreement (tt applicable). Your card and account may Dory be used for valid and lawful purposes. If you use, or authorize someone else to use, the card or account far any unewful or impermissible purpose, you will be responsible for such use and may be required tc reimburse us acct MasterCard Inlernal'anal Incoryoreted "MasterCard' or Visa USA, Inc. "Visa; as applicable, or their successors for all amounts or expenses that we or they pay as a result of such unlawful or impermissible use. In any event any unlawful or impermissible Vansadions in which you engage with the card or account nevertheless will be subject to this Agreement and the Security Account Assignment Agreement Qf applkable). You agree that we am not responsible g anyone refuses to honor your card or account ft you had a prior credit card or other account with us, or such an account or balance of such an account was transferred to us or one of our affiliates, and you agreed m reinstate the balance of gte prior account h the forth of your new aaount the new account will accrue finance dnangea from the date that the new account ~ opened. Authorized users are not financalty responsible for the aaount An authorized user may use a credit card, can request certain account information and can request to be removed from the account Subject b our disaetlon, an authored user may not ba able b Initiate certain actions on the account. You agree to provide us with infortnafbn idenglyirg any persons you aulfwrize to use your account, including their name, address, date of birth and other identttying Information we may request Exchange Rate. If you make a Uansaction h currency other than U.S. dollars, VISA Inlemational or MasterCard Infemetional will convert the charge or credit into a U.S. dollar amount h accordance wfth their operetirg regulagons or conversion procedures in effect at the time the transaction b processed. VISA International's regulations and procedures provide that effective April 2, 2005, the exchange rate between the transaction curenq and the billing currency used for processing intematbnal trensactbns is either (t) a rate selected by VISA from the range of acceptable rates in wholesale curency markets for the applicable central processing date, which ra0e may vary from the rete VISA ttsett receives or (2) the government mandated rate in effect for the applicable central processing date. MasterCard International's regulations and procedures provide the arency conversion rete A uses is eititer (1) a wholesale market rate or (2) a govemrtrent mandated rate in e8act on the day of the central prokx3ssirg date. Cash Equivalent Transactions. If cash advances are en option for your account you cen use your account to purchase certain items that we regard as "cash equNaent Iransad'wns' All cash equivalent transactions will be Vealed as cash advances and will be billed to the cash advance segment of your account. Cash equivalent Vansactbns include, without Ilmitation, the purchase of wire Vansfer money orders, frets, lottery tickets, casino gaming chips and other similar products or services. Nothing h this paragraph will be interpreted to validate any transaction that a unlawful or irtnpertnxssible. Your Cradle Um1L Your initial kxedtt limit will be disclosed when your account a opened (or actNated). Etther IniBalty, or at any later time, we may establish different credit limits that apply to different segments of your account (such as purchases, cash advances and spatial transfers). Your curtent «edtt limtts will be identified in your periodic statements. You ogres not to albw the balance of your account (including all transactions, finance charges and other tees or charges), or the balance of the applicable segments d your account to exceed the applicable credg limits. If you have been given the opton to increase your credft limtt by adding lands to your Security Account (if applicable), we reserve the right cwt to increase your kxedk Ilmit i1 the addltbnal funds are provkled while your account is in default. We may increase or decrease your credit limits at any Gme wthout prior notice to you, may femporerity increase or decrease your credit limits at any time without prbr notice W you, may limtt the credit limit far cash advances or may take away your ability to obtah cash advances. We may txwor Vansadbns in excess of yow 005113 credit limb, even tl those Vansadions result in an over limit fee, and those transactions and fees will be subject to this Agreement and the Security Account Assgnment Agreement (If applicable). Any transactions honored in excess of your credit Iirnh will not result h an hcrease of your credit limit unless we expressly notify you Otherwise. Addltbnal Benefits and Servbes. From time to tirre, we may offer you benefits and services with your akxount. These benefits and services may be provided by us or thiN parties, Unless expressly made a part of this Agreement, and except as provkfed in the Arbihatlon Povison bekxr, any such benefits and services are not a part of this Agreement, and are subject Dory to the terms and condttions outlined in the benefits or services brochure and other offx;ial doaments provided lc you with respect to the benefits and services. We may adjust add, or delete benefits or services at any time in accordance with the brochures or doaments you receive. In addition, any such benefits a services offered to you h the most current vershn of the'Guide to Benefits' shall replace and supersede the benefits and services that had been offered to you in all previous versbns of the 'Guide to Benefits; without further notice. Except as provided by appliceble law, we era not liable for benefits a services provided by third parties or the actions or omissions of tlwsa third pares. Making Payments. You prom'se to pay us and are liable for ag amounts due resulting from the euthodzed use of your card or account, inducting any finance charges and other charges due under the terms of this Agreement Payments must be made h U.S. dollars. Payments made by a dneck, rtwney order or other negotiable ireVument {an 'item') must be in a form aaeptable to us and be drawn on a U.S. financial institution. We may allocate payments and other «edits and proceeds among ifte various segmems of your akxount and to charges and pdndpal due within each segment in any way we determine, inducting baances (including new transactions) with knver annual percentage rates (APRs) before balances with higher APRs. Payments you mall to us at the address for payment stated on your periodic statement will be aedged to your account as of Ne business day we receive it provided (1) you send the remitlance coupon portion of your parodic statement and your check in the remidanca envelope provided and (2) your payment s received in our processing center by the time indicated an your periodic statement Please albw at least five (5) business days for postal delivery. Payments received by us at any other bcation or in any otfrer form may not be credited as of the day we receive iftam. Our business days are Monday -Saturday, excluding holidays. Credit availability may be delayed in our sole discretbn to ensure payment in good funds. If we accept a payment at some other place, we may delay the creditlng d the payment for up to five (5) days. This may cause you to hour late payment fees and additional finance charges, and may result h your account being declared to be in default. Any minimum payment that rs due will be stated in your periodic statement. You must pay at least the minimum payment due by the date stated in your periodk: statement to avoid a late payment fee. However, you may pay more than the minimum payment or pay the balance in fait In any case, finance charges will continue to be assessed dating billing periods that you carry a balance regardless of whether or not your staternait shows a minimum payment due. We can accept W1e payments or partial payments, or items marked 'payment in fuR or other similar language, or payrrrents with a request to apply the payment in a particular manner, without bring any of our tights under this Agreement inducting our right to receve payment in tali. No payment shall operate as an accoM and satisiad'wn without our prior written approval. All written communications concerning disputed amounts, inducting any ctneck or other payment Instrument Ihaf indicates that the payment constitutes "payment in full' of Me amount awed or that a tendered with other conditions or limitations or as full satisfaction of a disputed amoum must be mailed or delivered to Capital One, P.0. Box 8501 D, Rkhmond, VA 232855010. You will not make payments from funds obtained from the aaount or any other credit account with us. If your payment is made to any otf>er address, we may accept the payment without bring any of our tights. When you send us check(s) to make payment on your account, you authorze us to make a one-lime electronic lrans(er from your bank acCOUnI for the amount of the check as'mdicated by numerical d'gits. Ths authorization applies to all check(s) received by us during the billing period even g sent by someone else, who you agree is your agent and was provided with ttrese disclosures in advance. This authodzalbn is not restricted by the dale on the check and includes resubmissions. We will not be bound by any restrictive legend or condition appearing on the Lace or reverse side of the check. If we cannot process the electronic transfer, you authorize us to make a charge against your bank account by processing the check, substitute dreck, draft or similar instument. We may adjust your account as appropriate to cortect errors, ratumed items, rejected debits and similar matters. We may, In our sde discretion, offer an expedged payment service. You are not required to use this service. When you authorize us to process a demand draft, eectronic ACH debit or other expedited payment method for your account, we may charge you an expedited payment fee in an amount disclosed to you al the time of the service. We are cwt responsible for any dishonor of the payment by your deposgory insliWtion and may retch the fee in the event of such dishonor. Ii you give your account number or other account informaton to anoher person b make a payment for you or to ad on your behatt, you agree that we may discuss your account wgh that person end process the payment as if it were made by you. You further agree that you will be responsible for all consequences of payment or non-payment by such party, indudhg expedited payment return payment, Wte payment and over limit fees. We reserve the rght to refuse to accept payment on your behalf or to permit another person to ad on your behag. Periodic 5fatemenL Each month that you have a «edft or debit balance of more than $1 in your account we will sand you a periodb statement as and when required by applicable law. The pedodb statement will Stww all transactions billed to your akxount durhg the bilNng period. The billing period is the time from one statement dosing date through and including the next statement dosing date. The statement cbsing date determines the month o1 a spedfic billing period. For example, your January billing period is the billing period with the statement cbsing date in January. Finance Charge. You will be assessed finance changes as previously disclosed to you as part of the TILA Account Discbsures or as we will disclose to you if required by applbabe law. Temporary Reduction in Finance Charge. We reserve the rght to not assess any or all finance charges for any given billing period wghout wahrirg the right to assess such finance charges in a future baling period. Other Fees end Charges. The followhg fees will be billed to the purchase segment of your account and will be treated as a purchase and applied against your available credit limit, unless otherwise specified, in every billing penod in which They apply: (i} A late payment fee will be assessed tt we do not receive your payment in time for it to be credited, as provkfed in this Agreement, by the da~XH i BIT stated in your periodic statement; (ii) en over limb fee will be assessed rf m balance of your account (or any segment of i, r,..- 005113 your account) at any tlme during the billing cycle, fa any reason, is greater than the applipble temporary or Permanent aed'd limit (regardless of whether you went over limit as a resuk of a transaction, finance charge or any other fee or charge, even k approved by us); in) a returned sheds fee will be assessed N we do not honor any arxount access check r any reason; {iv) copying charges for duplkate copies of transaction documentation or perbdb statements will be assessed on a per-page basis, unless required for bitting dsptrte resolution; (v) a returned payment fee will he assessed ii, fa any reason, (a1 a check, draft or slrNlar insWment is not honored or cannot be processed; or () an eectonic debk is returned unpaid or cannot tie processed. You authorize us to resubmit returned payments in our discretion. At our optbn, we may assess this fee each time your payment's not honored or paid, even g it is later honored or pall idlowing resubmission. Any check, draft or similar instrument may be collected electronkalty If returned for nsuHident a uncollected funds. We may change any of these fees or charges, or add additional fees and charges, as provided beknv. We reserve the right ro waive any of these lees without prior notifiptbn fi you while maintaining our rght to assess these fees gdrg forward. Cash Advance Fee. If cash advances are pemitted for your account, a cash advance fee fnance charge will be (i) assessed each time you obtain a cash advertise or cash equivalent transaction, (ii) added ro the cash advance segment of your account and (iii) applied against your available credit limit The amount of the cash advance tee Finance charge will be added to other finance charges shown on your periodic statement for the purpose of caaulating the annual percentage rate fir that billing period. This may cause the annual percentage rate discosed for that billing period ro be greater than the annual percentage rete disclosed ro you. Membership Feo. If applicable, a membership fee will be imposed in your first billing period, unless spedficelly stated oVherwise. If the membership tae is assessed annualy, it will be assessed in the billing period in which each anniversary of the openhg of your account occurs. If the membershp fee is assessed monfhty, g will be assessed in each billing period. The fee will be billed ro the purchase segment of your account and will be Vested as a purchase and applied against youravailable aedk limk. The membership fee wig not be refunded, in whole or in pan, even 'rf you or we cancel the account. transfer Fee. A (ee will be assessed for each trnsfer of funds from your account to your Seariry Account that you request. The fee will be billed ro the cash advance segment d your account and will t>e treated as a cash advance and applied against your available cradle limit. Foreign Transaction Charge. For each tansaction made in a country other than the U.S., a U.S. Territories, we will assess you a finance charge as previously disclosed to you as pan of the TILA Account Discbsures or as we will disclose to you N required by applicable law. The fee will be based on the U.S. dollar amount of the transadan. Credk Bureau IniormaNon. You agree that we may obtain information about you from credit repafing agencies or others ai any Gme and use h for the purposes of monitoring your cradle performance, managing your account and considering you for new offers and programs Security Irderest. The temts and conditions contained witlhin this paragraph apply onty N the applicetbn for the account stated that the account wgl be a severed account. You provided us with certain funds, which have been deposited a the Security Account Tc secure pa merit of the balance of the account and all other amounts owing under the tams of this Agreement and tiie Security Account Assgnment Agreement, you have transferred, assgned, pledged and granted to us a security interest in the Sea~ty Aaqunt all funds cantaaed in the Security Account, ail proceeds of the foregoing and all proceeds of proceeds. Th's security interest Includes, without limitation, the initial funds that were placed into the Security Account, any additional funds added ro the Searity Account by any person and any interest earned to or accrued on the Security Account The terms of the security interest ere set forth in the Security Account Assignment Agreement you executed. If (i) you default a fail to abide by any of the rams of this Agreement or the Security Account Assignment Agreement (ii) you close your account or (iii) we cancel your account for any reason, we may then or tihereafter, and wglioul poor notice to you, exerclse our security interest by deducting from your Searity Account the balance due on your account and all other amounts owing under Ute tams of this Agreement and the Severity Aoccurd Assignment Agreement. We may exercise the rghl to make such dedhrcdons from your Searrty Aaount periodicelty as we deromme to be appropriate. Within sixty days alter the dale your account is dosed, we will send all remaining funds in the Sewrky Account to the person legally entitled ro receive them. FuWre Offers. The tams of any future offer relating ro the accrourd will be disclosed ro you at the time the clear is made. If you accept an offer, the terms will tiecorne eNerAve immediately unless othewise specified m the offer. Dafauk. We may, in our sole discretion, declare a defauk under tihfs Agreement 'd: (a)we do not receive the full amount of any minimum payment on or before tiie date k is due, (b) you exceed any credit Ifmit or (c) an item used to make payment on your account is not honored or cannot be processed, or an electronic debit ro make payment on your account is returned unpaid or cannot be processed. To the extent pemittad by applicable law, we may also, in our sole discretion, declare a defauk under this Agreement If: (1) you valeta any of the other terms of th's Agreement or Security Account Assgnment Agreement (d applaable}, (2) we have declared you fi be in de utt under the terms of any other agreement with us or any of our affiliates, or (3) we delemine that you made any false or misleading statements on your application for, or regaming the use of the aaaunl, or otherwise attempted to defraud us, (4) bankruptcy or other insolvency proceedngs are nstguted by you or against you a (5) you die or are declared legally incompetent or incapacitated. Al any 6nhe followng any default under thLs A regiment (or after we give you any rotice a right to cure the default N required by applicable law}, you will tte subject to payng interest, finance charges and other fees pursuant ro the terms of this Agreenhenl, mdudmg any applicable default rete, even after any judgment is obtained. Additionally, we may, at our sole option, (x) limit or not allow you ro make any new purothases or cash transadbrs on your aaounl(s), (y} increase your minimum payment with such notice as may tie required by applicable law or (z) subject to the limrhafbns of applicable law, dose your aaroungs) and demand immedate payment d the entire outstanding balarhce plus all otlher amhounts owing under the tents of this Agreement and the Security Aarount Assignment Agreement. To the extent pemilted by applicable law, you agree fi pay us ell of our actual court costs, cdleclbn expenses and attorney's fees (whether paid ro an attorney who is one of our employees or an attorney who is not one of our empbyees) incuned by us in the wlledan of any anaunt you owe us under this Agreement. You also agree to pay us all of our actual costs that we incur in retrieving your cards, indudirg any costs we may roar by having your account placed on a restrhcted list. Nothing in fhb paragraph shall be consWed fo waive or impede our right to require arbitration in accordance with the ArbiVatbn Provision helow. Account Cbsure and Suspension of CredN Privileges. (1) We may, al any time, with orwtihout rouse, wkh or wghout advance notice, and regardless o1 the existence or rron-existence of a default artier this Agreement pncel the accamt andlor temporarity or permanently suspend your credg priwileges under this Agreement If we cancel the account, you agree ro immediately destroy all cards and unused account access checks. (2) Your obligation ro make Wymerits and your other oblgatons under th's Agreement will continue m full force and etted after the account is cancelled or your credit privileges are temporeriry or pemanently suspended. Cancellation of the account and/or temporary or permanent suspension d your aedk privileges will rot affect our security interest in your Seanty Account (if applicable) or our tights under Ne Security Account Assgnment Agreement N applicable). You can dose your account by telling our Customer Relations department with the number found on the hack of your credit card or, it diftermh6 the number stated in your periodo statement and requesting an account closure. You agree to desVoy all cards and unused account access checks, cencel all preauthonzed billing arrangements and cease using your card and account. If you do not cancel all preaulhorbad bitting arrangements, you and we wilt consider our receipt of a preaulhorized debit 1o your account ro constiWte your authorizafion fi reopen the accourtt on the terms set forth in this Agreement and ttte Security Aarount Assignment Agreement (if applicable). Your astound wilt not be dosed unfit you pay all amounts you owe us under this Agreement end the Searity Account Assgnment Agreement (if applicable) including, without limitation, any purchase and cash advance Vansactions you have authorized, finance charges, late payment fees, over limd fees, reWmed Bieck fees, returned payment fees, membership fees, cash advance lees, transfer tees, copying charges and any other fees chaged to your account You are responsible for tfhese anaunts whether they have been marred at the time you request a cosure o1 the accohrnt a they am incurred subsequent ro your request ro ckse the account. This may resuk in charges appearing on your account after you have requested the account to be cased and, rf the account has already been dared, the account will be reopened on the terms set forth in th's Agreement and the Severity Account Assgnment Agreement (rf appliceble). For example, N you authorize a purchase from a merchant and we recehre the charge from the merchant aker yycur account has been cased, your account will be reopened, the amount of the chage will be added ro your account and you wig be responsible for payment under the terms of this Agreement and the Searity Account Assignment Agreement (if applicable). The membership fee for your account will continue to be charc3ed, to the extent pemitted by applicable law, until the entire account balance has been pea in lull, as described above. II the account is reopened, a now membership fee will be charged ro the account as stated above. If you, acting as the primary cardholder, want to terminate a 'pint accounthoaers or an authorized user's access to the acwunt you must pll our Customer Relations department and request that termination. Immediately eiereafter, you agree to destroy that person's card(s) and destroy any unused account access checks in that person's possession. TThere may be a delay in the eNedive dale of Itre lenniriation of that person's access to the acaunt. The exount will be charged, and you and any joint acceunthdders will be responsible, for any charges through the use of the card or the account by the jdnt accounthoaer or authorized user that occur prior ro the eNeclive date of the temaatan even 'rf the charges do not appear on the aceount un61 a later time. K you are unable ro destroy the joint aceounthdders or authodzed user's card(s) or to destroy the unused account access checks in that person's possession, and you call our Customer Relations department to ckse your account your account will be dosed in accordance with the preceding paragraph. Either you and/a the pint cerdholder, if any. may apply for a new account Changes In Terms. We may add ro, remove, amend or change any part a prowsnn of this Agreement, including the annual percentage rate(s) and any charges, (including adding rew provisions of the same or a d rent reture as the existing provisbns In this Agreement) at any time. If we da so, we will give you notice of such amendment or charge it required by Federal law or Virginia law (to the extent not preempted by Federal law) unless we had previously notified the customer that the account would be sub'ect fo such amendment a change without notice. Notce will be mailed to the last ~illing address indicated in our records br the savant. However, no notice will be maik3d if we previously had notified you that your account woua be subject to such amendment or change witthout notice Charges ro the annual peroentage rate(s) will appy to your existing account balance from the eNectlve date of the charge, whether or riot the account balance includes transactions billed to the account before the charge date acrd whether or not you continue ro use the account. Charges to fees and other chages will apply ro your account from Vie eNective date of the change. Governing Law. VhIE MAKE THE DECISION TO GRANT CREDR, OPEN AN ACCOUNT AND ISSUE YOU A CREDIT CARD FROM OUR OFFK:ES IN VIRGINIA. Thk Agreement is to be construed In accordance with and governed b11 the lawn of lire United Stries of America and by the internal laws of the Commonwealth of Virginia without giving effect to arty choice of law rule that would sauce the appl cation of the faun of any Judsdlctlon other than the lava of the Untied States of America or the internal taws of the Commorrweakh of Virginia to the rigtits and duties of Hne parties. This Agreement is made in Virginia. N will he governed onty by Federal law and Yfrgmia law (to the extant not preempted liy Federal law). It a court decides not to enforce a part of this Agreement, thrs Agreement will then read as if the unenforceable or invalid part were not there, bW the remaining parts will remain in effect. Waivers. You waive the right fo receive notice of any waiver or delay or presentiment demand, protest or dishonor and arty right you may have ro require us to proceed against arrottrer party before proceeding against you. You also waNe, to the ardent pemhted by applicable law, any sfaWte of Ilmitatlons defense for an additional period of lime equal to the applicable limitations period. Lost or Stolen Cards or Account Access Checks. If your card(s) or eceount access checks are lost or stolen or'rf someone else may be using them without your pemission, notify us at once by calling the telephone number on the back of your aedft card or, ti different the telephone number shown on the front of your periodic statements, or by wrd'ug us at Capital One, P.O. Box 85015, Richmond, VA 23285-5015. You will not be liable in any amount far unauthorized use of your cards or aaount access checks. You agree ro tell us at once if you change your name, address, telephone number or empbyment. You agree to give us written notice of any change in your billing address at least 10 days before the change. Changes may be written in the space provided on the remittance coupon porfion of your periodic statement or may be sent to the folkxxing address: Capital One, P.O. Box 85015, Richmond, VA 23285- 5015. If your account is a joint account a if more than one person a permitted to use g, you agree that all notices regarding the account may be sent sdery ro the address shown on our billing records. Communkations. We rcey release infonnatbn ro others regarding the status or history of your account as set firth in the Capital One Privaq Notice, a copy of whkh has been provided ro ya. We may make inquiries of third parties in connection with maintaining and collecting your accoum, and ycu authorize such third parties ro release irifonnation alwut you to us. We or our representatives may tooted you from time ro fime regarding the account or ro ask for additional inomnation about you or your experience with Capital One. You agree that such contacts are not unsolicited, era not limited except as expressty required by applicable law and may resuN from contact Infomatan you have provided or that is obtained from other sources. For example, we may contact you at your home or place ai empbymant during weekends or holidays, on your mobile telephone, voicemail or answering machine, and by email, fax, recorded message, text message a personal vied. Except es restricted by applicable taw, we may monitor or record any calls we make or receive, suppress caller identification sernces and use an automated doling and anrhoundng device. ARBRRATK)N. PLEASE SEE ENCLOSED "ARBRRATION PROVISION " PLEASE NOTE THAT THE TERMS INCLUDED IN THE ARBRRATION PROVISION ARE PART OF YOUR CUSTOMER AGREEMENT. ®2005 Capital One Services. Int. Capital One is a federally registered service mark. All rghts reserved. _. _..._ r.,,,.....,. _... _. D3T8-t7-0305 ARBITRATION AGREEMENT M-75733 IMPORTANT: THIS ARBITRATION PROVISION IS A PART DF YOUR CUSTOMER AGREEMENT You and wre agree Inal eilner you or we may. al eiNar pangs sole PrOtedures and taw ADDllsable In Arbllrotlon. This Aroilrahdn election. require Thal any Claim (as defined below) be resDlntl Dy Provisioo is made Dursuanl to a hansaGion Involving interslzte commerce and shall be goverred by end enbrceable under Ihe Federal binding arhgralion. Mhlualicn AU (Ihe 'FAA') Ouesbons about whelhxr arty Claim is IF YDU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER suhlzd to ar6'itra[ion cavil be resolved Dy inlerOreting this Arhi[ralion YOU NOR WE WILL HAVE THE RIGHT TO PURSUE THAT Provision in Ihe brooded wavy q nay be entaced. crosislenl with Ihe CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO FAA and the Mms OI INS Arhilrallon Provision. The arhilrata will aDph PARTICIPATE IN A CLASS ACTION OR ANY OTHER subshntive hw consis!enl wgh Ihe FAA and applirahh statutes of COLLECTIVE OR REPRESENTATIVE PROCEEDING. EXCEPT AS Ilmitdipre. but Ihe nlitlily and enlaumenl of any class action waiver SET FORTH BELOW. THE ARBITRATOR'S DECISION WILL BE WO LD is a question for a couR DI etent jraisdklion, wl an ubilmtpr, tb awaN any Ozmtges or Olha rell¢i p¢rmih¢d TM arbihalDr ma itle d U fINAL AND 61HDING. OTHER RI6HT8 THAT YOU HAVE IF YOU WENT TO COURT, INCLUDING THE RIGHT TD . y et by applicable substantive law (but wiN WI have power m review die CONDUCT DISCOYERY OR TO APPEAL, MAY BE LIMITED OP anlorceabllrry or severabi87 01 Ihe paragraph 'No CansplldatiW or UNAVAIL118LE IN ARBITRATION. THE FEES ASSDCIATED Jolnda of Partip' bElmv), hul the award shall determine Ihe dgnls and WITH ARBITRATION MAY 8E HIGHER THAN THE FEES ohligali0ns of Doty Ihe nzmed parties and only wiN resperd to Ine AS80CIATEO WITH WURT PROCEEDINGS. Clzlms m arhiVabon. Tne rules and procetluras of Ne Adminislraror. which you may obtain Irom Ihe AdmiNslrator shall gOVem the Special Detlnlllons Iqr ants ArbiVation Prorision. For Ine arDilrall W unless they cDnlliU with This Arbtration Provision, In which Wrposes 01 Ihi3 arhltrdbn provision ('Arbitration Prmislon`), the lollpxing delinltion snarl apply in adtlihW to Ne tlelinlllons sd forth in case mis Arbhmnon PrmAsian will apply The arbitrator will npl hE bound hy, and [his Arhlhalion Provision coati not DB copied lo, the your Customer Agreemem (Apraem•nl'l- lederal, staze a local rules o1 procedure and evidence NaI wDUld apply in any pprt, w m stele a tool Izws tlNl relate tD arbitration "Claim' means arty Uaim, controversy or dispute of zny Nintl or nature a:ceedmgs. You or we may ban z hearing In arUihallon. Any DBIWe9n you am us arhilrallon hearing that you attend in person Will take plate al a IOCaDOn A TAiS detinftion lnClUdes, without limitation, any Claim that in in the lederal judicial district Isar rrcludes yWr last-known hillirp any way arises from Or relams to address a at sane ohwr 9hce upon which y W aro we agree You a we • the Agreement and any of its terra (ncWtlinp arty prior apreemerns may he represented by counsel. II you or we requasl the arbdmlOr will between you and us a heMeen you and arty other entity tram which Donor claims of privilege recopniEeO order aDDlkzDk lax and will use we acquired your aceourd) best ehprts to DrOieG crnlidentvi inlDrmation (mdudinp Nrouph Ne • NLs ArbiUalien Provision (including whalher any Claim Is subject use DI protective ortlersl. The arbitrate will make arty aw2rtl in wriUrq Iq araVa60n) zM, at the finely NpuB31 of eilner path/, will (HaNae a written Slatemenr • Yie estaDSShmenl, pperalion qr termination of your aCLW nl DI reasons Ia IM award. arartyry disclosures, adverhsemords, promoliam a oNa romrtn;nlations • rdaUng to you award, whether They amured blare a after your Costs. The party xtiliatinq arbltmtlon will pry Ore initial Illirp lee. YW account vrs5 oparretl may seek a waiver of the Initlal tiling lee Dr arty el Ne AdminisUaluh • any t2nSaaiDM or attempted (rdrlsacdon5 involving your a¢Wnl Diner lees (telletrinly, 'Atlminislmla's Fees') undo any apDlirzble • any billing or cdlatlons rtuttds rehtinq t0 yna awount roles of Ihe Adminlslrora.ll you seek, but tlo na quality tor, a waiver we •arN pcsimgdUansadi0m(including paymassacredds)to youlraDUd will consirkr arty written request by ypou laWto pay or reimburse yW or reimDUrse will a idd k G W l l t f Atl l • any goals or services charged to your account • any lees, mlerest or other dirges assessed to yWr accpunl. w p y ees. e a so or par pro m ra D: for al o you IDr ell or DaR of Ne Atlminldmlar$ Fees II the arbitrator determines Neir wlcctatlon there rs good reason for us la do w We will pay any lees and co51s we • any pr0tlutls. services Or bmelits programs related to or ellEretl in are mouhed to Ley by law, Otherwise, and e¢epl as provided W Ihis Wnnectlon with your account (Inducting any insutante, debt Agreement, you and we well bear all of Wr respective lees and costs CdnCefhllW Dr CxtentlBd service COdraClS and sly prpgNm3. reba1E5. (Intludnp IDB AtlmIB31mla5 FBe$ end NE IBtS and WSLS relating t0 rewards, sweepshlres, memberships, dlsc0unl5 a cW Wns) wbelher allaneys, experts and wllrressesj, repa101E53 Dt who pren113. AIIOCaii W Or not we otlared, introduced, sDld Dr aovided them al lees am costs retallnq to appeals In abitranon will ha handled in the •oa recdpL uses tlisdowre0l any idomution shad yvuayDU axoud same mznner. • any other mallets relatirg 10 your d[tounl or your rehliorrship wen us. Nq Cpnsolldallon Or Joinder 01 Parties. The afbnralion 01 arty O. This detinirion also includes, wilAOUt yimRadon, any Claim Claim must proceed on an indivlduat basis. even it Ine Claim Iva been • regardless of how a when it is blougM (for Example, as an initial asseRed In a cWR as a class aUion, private anorney general aaion a claim, counterclaim, Cross-cixim, inlerpleadirN m Nird-Carty Halm) abet representative a Collective action. llntess all partiBS consaa. • based pn any IheOry of relief or Damages (iro!udinq mpney damzges neiher you nor we may loin consolidate or Otherwise brirq Claims and arty lam 01 specific performance a injurvfive, declaratory or related lO two or more accouds, 'mdividud3 or 2cc0unNoltl¢rs m the other equ'dable relleD same ar0ihalion Also, unless all parties consent. neither you nor we • based On any theory OI law or equity (including cOnlraG tort. trzud, may pursue a class acllDn, aivale anprney general action or oNa consldulion, statute, re0ulation, ordinance or wrOnglul oats m reoresenhtive or collative acVM in azbilranOn, na may you or we omissiDns o1 any type, wheher nepligenl, recAiess Or intentional( pursue Such actions in Court ii any parry Aa5 EIBCIEd arbUranon. YOU will • made by you Or by anyone cdnnectetl with you al claiming Ihmugn or no[ hive Ine rphl to xl zs z class reDresenhtive or patlicipale as a for you (including a co-appllcarA or wthoriied user of your actounl. member of a cl2ss of ClainnntS with rssDZd l0 any Claim as to whiUl yyouragenl, yqur reDresentaliva, your heirs as Irusta In bankruplq) arhihalial has been elected. • for wMCh vre maY bE directly or indirectly liable uMer arty Ikory. it i t The amitratovs Finalih and Appeal Enlgaement d ment J we are no proper a as0ency (even including resporded wDa d at the brae Ne Claim is made) n m , , g , u tlecisirm will De lirvl and hindirq odor ii8een days unless you or we seek a e •nbw in exlNente or that may arise In Nefunue, rsgardiessol wtwn dw an appeal 014ce award by nuklnpawriUen mqued to lha A~ninislratOr. facts and tirtum5hnte5lhdt give rise to Ne Claim Dcwrred Or wtrp+ Tha appeal panel, which will consist 01 ATM arbllraloR, will CJnSitler alt Ihe Claim accrued IacWal and legal issues anew, will WntluU Ihe zpfeal in Ihe same • made as pert Ola class action, OrtnN attaney general action, or odrzr manner as Ne initial arpiuatim and will make decisions bases en the represenhlin Or collective adiW rfiich CWIm shall txoceetl on an vote DI Ne majodry The Danel'S decision will be lirwl and bindng Any Indmdual basis as set forth mae lolly ir, Ihis ArbRm[ion Prorision. Imal decision a Ihe arbihata a of me appeal panel is suhpct to judicial reviarv ardy as sd forth under Ine FAA. An award in areitrall0n well be Arbilrallgn Adminlslratora- One o1 me lollawing arhuralion enlDrcezaB UMa Ihe FAA DY any cDUrt having jurisdiction. adminidralors ('Wkninisimlar" or, tollectiveiy, 'Atlminislralas') will administer the arbilrallW-. Miscellaneous, Waiver, Severabillty, Survival. h you Or we de n01 EIEG drhiUZlirn or DN¢fWiS¢ ¢pIOrCE NIS AlbilydltOn PfDriSiOn in JAMS connection with any panlW Gar Claim, you or we will not wain any rignls 1920 Mam SL, 51@. 300 tO require arbitration !n connecion with Ihal a any oNer Clzim. This Irvine, LA 92614 Arbmztlon Provision shall survive (q sus0enslon, lermmallen, www.jamsadream revcu!ion. closum of changes of Nis Agreement. your account and ypa re:ahalshiG win us; (ii) Ihe banKruDlcy or Irsolventy of any pant; and Rmerican Arbilrelion Assn (iii) arty lransler of your actcunl. or zny amounts owed sn yyoour atiaud, ~ Pr i i n f Ihi bit tl If tli A 335 Mztlison Ave.. Floor 10 New Yprk, NY 10017-Ifi0.5 r ra a ov o any ppo on o s s l0 airy ogler parson or entry s deemed Invalid Or unentorc~ble Ihe remaining pMiorrs of Ihis www. adraq Arbitration Provision shall rrNerprEleSS remain nlld and in lOrce. m Ihe even) of a conllid ar inconsistency bdween this Arbihali0n PfDVI$Id0 Natlonel Arbllrotlon Forum and Ne ONer prpvisipns o7 lnis Agreertrenl or arty prig agreement, Ias P0. Box 50191 Arbitrathn Provision Shall povBrn. A OhplOCOpy a Other Irrupe of Ihis Minn~polis, MN 15405 Apreemall and related daumanls may be used m Olace o1 Ne origirvls www.ar6ilrztion-IDnan.Cam Ipr ell purposes indudiop IilipatiM. You may contact ant' of tie Atlminidrators l0 Dblain inlamdi0n € 2005 Capnzl One Servius. Int. Capital One is a letlerzlly registadd dhaA azb11211Dn, afDllydll0n NIES 2nd DfdCGdIXES, Ie@ schedple5 end SErViC25 meet All rights reset YBd. claim lams. Election and Initiation 01 Arbilralion. You or we nay elect arhilrallon under Nis NOilydi0n Provision with respell N an) Claim. even it the Claim ~s part d a lawsuit bought in Court. You or we may mal®a motion Or request In town tO WnKlel arDllraion of any Claim brought as pad of any lawsuk. WE will not elect a miliale arhnhli0n of zny Claim brought in z small dzims court (Or the epuinlen0. so lcng as Ihe Clsim remains in Thal calrt. i5 nude solely on hehall DI an Individual or Joint account holdo and is na nude as cert of a class a[tiW, private ananey general ad~iDn or Otnw reDrasenlarrve or collective aUion You ace we must tallow the rules of Ihe Atlminisll'd1Or3 IO iNliile arnilratiai. If you initiate drbilmlian, you may UlOOSe one of IP~e AGRIIDISaaIDfS, and yW mUSf mall l13 2ny nCllte re pl[Ed by Ine Adminisbalol to P.D. Box 85550. Richmoid, VA 23285-5550. If we miliale arhillztion, w¢ will ChpoSe cne Of Ihe AdminlSlrarOrS. and We will mail You any ndiCe required ~' the Adminishal0l Io y0a Idd•knmtin billing address. II wE Dave initiated zrbdra:ion. we will change Ne Atlmint5lralDr a: y0a r¢g11851 it yW rgtlhJ us in writing aI Ihe 2hDVe address within II'lecl days of Ihe dale a any ndice vre send yW of our In IIKIIOn d arbiL'alion. - 026 T X And don't for et- ou earn ;~ , g y Its that easy. rewards on every TJX Visa© purchase! • Earn 5% rewards on purchases made at T.J. Maxi, Marshalls, HomeGoods and A.J. Wright and earn additional Rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxi, Marshalls, HomeGoods or A.J. Wright store location. T~•n1CU~( Marshalls, H vmeGoods A.J Wright 028-1103 vardr Program 1erm+a~d Gondirions in your nriKin.l orFer nr:WAirin s ri re M 'M ra u e nal dialou~re lever for (.dl dera~lc - ' ' ' ~ ' ' ~ eta PLATINUM VISA ACCOUNT OCT 10 - NOV 09, 2004 T T J~ 1 1 4934-2224-9066-8657 Page 1 of 1 Account Sutnmary J Payments, Credits and Adjustments Previous Balance E.00 Payments, Credits and Adjustments E.00 Traltsactions Transactions E136.05 Finance Charges 55.23 1 O5 NOV CASH ADV. &T 1900 RITN CARLISLE PA 581.50 2 OS NOV HESS 38358 CARLISLE PA 24.40 New Balance E141.28 3 06 NOV DEIHLS MINI MARKET NEWVILLE PA 9.42 Minimum .4tnovnt Due E15.00 4 07 NOV WALMART SUPERCENT CARLISLE P.4 16.68 Payment Due Date December 09, 2004 S 07 NOV HESS 38358 CARLISLE PA 4.05 6 09 NOV CASH ADVANCE FEE - -FINANCE CHARGE 5.00 Total Credit Line E1,200 Total Available Credit S 1,058.72 Credit Line for Cash E1,200 Available Credit for Cash 51,058.72 At your service To call Customer Relations or to report a lost or stolen nrd: 1-877-534-6841 Scnd payments to: Smd inquiries to: Attn: Remittance Processing Capital One Services Capital One Serviar P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond VA 23285-5015 Important Account Information We would like to take this opportunity to inform you that we may repon informarion about your account to aedit bureaus. The reporting of your account information to aedit bureaus contributes [o your overall aedit profile. Late payments, missed payments or ether defaults on }roar account may also be reflected in your aedit report. Finance Charges Please ree reverreridefor important information F B~ r~ Prriodr Correrpmding ~~ `~ rn pp!vdto ratr APPR tip. m PURCHASES f.00 .0000096 .0096 5.00 CASH (13.16 .0565896D 20.4594 f.27 ANNUAL PERCENTAGE RATE applied this period 77.O1tYo • PLEASE RETURN PORTION BELOW WITH PAYMENT Cap/ta-~~~ 0000000 0 4934222490668657 09 0141280000000015001 Pl~rpnrctmai!'rcgaddrcma~ r~rcailrMngrrbrlwrwircdb( orblarkiak New Balance (141.28 Minimum Amount Due 515.00 seat Apc w Payment Due Date December 09, 2004 City Suk ZIP Total enclosed E Home Phone Ahecnue Phon< Account Number: 4934-22249066-8657 0 Email Addcees ~ #9031571589949290# MAIL TD NUMBER XHIBIT Capital One Bank ~ EMILY E STUM P.O. Box 85147 ~u~~m~~n~u~l~n~ ~ a+ 1329 DOUBLING GAP RD Richmond, VA 23276 ~ ~ NEWVILLE PA 17241-9758 ~u~t~u~~nt~l~~m~t~~u~~m~~nl~~nuu~~t~n~~tn~~u~t ~ ° ~ ~nt~~~m~u~t~l~n~m~~~t~u~ut~t~t~l~u~nt~t~~a~tn~t~l~ ...~. Pleare write your amount number an yore rhetk or moray order mane payable to Capital One Bank and mail in tlx endored envelope. l \_,. ( `~ O r N O N ppeeriadc rate. To obtain the average daily balance for the hillirtg period covered bV this aretemem, we take the begming halertce of each xpnem each day, add any row trertxcnore to eatlt sepnem, and abtren any payments or credta. (lf the code N appears on the horn of tNs sretemerrt next to -Balance Rate Apdied Te,' vve also stbtram any upaid finance charge intluded In the balance of each xgnemJ Ths gvss ua Ne daily balance of each xgnem. Then we add up ell the dally balances for each rxa~n ant for the billing period and dvide by the total bar o1 day kt the billing period. TNs gives us the ge dally balance of eedt segment. 3. Anwl Paroertaga Rotas IAPR4 e. TM term 'Amual Percentage Rate' may appear as -APR' on the front of this statement. b. I} the code P (Prime), L f3-mo. LIBOR), C ICerdficete of Deposi0, or S IBankcard Prime) appears an the tram of this atetemem row to the periodc rate(s), the pedock retea ant corteapondrtq ANNUAL PERCEItrAGE RATFS may vary yuenedy and may Increase ar decreax based on the stated irtdoee, as taatd kt The Well Sveet Joumel, plus the margin ppreNotraly dadoaed to Wu. These dtargas will be effectlve an the flm day of your Nllirtg period oovared by YWr pedadc statement enring In the months January, April, July and October. c. If the code D (Prima), F It-mo. LIBOR) or G (3-mo. LIBOR Repriced MontNy) apps rs an the from of your natemem next to the pedodc a te(a), the pedaac rates and wrreapmdrq ANNUAL PERCENTAGE RATES may vary mmtNy and may increase or decrease based an tfw stated irtdcea, as fount in The Wal/ Sbee7 Joumef, des the merryn preNously dsdosad to you. These chertges will be effective on the first day of your billing period each month. 4. Asamnrlt of Lets, Ovrfnlit and Rabsraad PaYntrt Fans. Your account will Da assessed ro more than two of the fees listed here that occur during any tilling parted. Under the terms of your customer agreement, wa reserve the right to waive or not to assess any fees witfwut prior notification to you without waiting our right to assess the aeme or dmihr fees at a later time. 5.tRaraavttg Yarn Aoeaatt. If a membersNp fx appears m the front of 1Ns atatemant, you have 30 days from the date tNa statement was mailed to you to avdd paying the he or to have such fee credted to you if you cencd your accent. During this period, you may cmflroe to ux your ecerxnt withom having to pay the membersldp tee. To cancel your accoun, you must notify us by cellirp our Customer Relatiana Department and pay your'New Balance' In full (excluding the membership tee) prior to the erM of the tNny-day Perod. 8. 11 you Cbaa you Aoeorad. You can request [o tlax yy««++ account by cellirg our Ctrnanar Raletlare uepanment. You must destroy your cradh card(s) end a Door acceaa checks, cencd all preautfwdzed billing, and cease udnp your secant. If you tb not cencd preauthorized billirq arrargemenis, we will consider recdpt of a charge your etrthorizatian to reoppen your ecceun. Additiorolly, your account will not be cloxd until you pay all emounta you owe us indudirtg: any trareectiore you have authorized, fireroe charges, peat due fees, ovenimit fees, returned payment fees, cash advance fees end any other fees asseaxd to your eccean. Vou ere responsible mr these emania whether tltey appear on year account at the time you request to close tfw account or they are Incurred subsequent to Carr request to tloae ilia access. TNe may resJt In bargee appearing on your account after you have your accent if h has already been dosed. For examde. if you autlorized a Iwrtlrex tram a mercham and we receive the trereac[im from the merdwm after your accent has been dosed, your accent win be reopened, the amorrH of the tltarge will ba added to your a¢ant, and you will be rtsponaiMe for payment. If there is e membership fee mr your eccourc, the fee will centiaae m be therr~twdd, ro the extam pam,itted by law, tndl the accent bderwe pea been geld in fJl as defined above. 7. llaiq Vac Aaaar+A.Vour card or account carrot be used In corrwcrim with enY hierro[ gambling trereactiwts. 8. Nodoa ALtort F]astraNo Claaolt Edon. When you proNde a dteck as peymem, you audwAZe tM d[Mr to use information from yotr dwck ro make a one-rime dactroric fttd trorefar tram ytxr baN[ etxwtrtt or to process the peytttem es a check tratsecdan. When wa use infortnetian from yorr check ro make an dactrortic fund transfer, finds may ba withdrawn from your bank acmtatt es aodt ea the aorta day we mcaive your paymem, ant you will not reodva your dteck back from your frwroWl trenttmon. BILLING RIORTS SUMMARY (M Case OI Ertors Or Ouastlare Abeul Vour Blip If you tNnk your NII N vrsong, or if you need more inbrmedan an a trereactlan or NII, write to [n on a separate sleet ea man as poasiNe et the addrex for rtquAe9 ellown M ifw 1rMt Of 1N9 9letemem. We m1L91 freer from you ro later than 80 days after we sera you rho first NY on wRlich the error or problem appeared. You can call our Customer Rdadons number, but doing x will cwt prexrva your riyna. In your letter, P~ us the fdlowirg nmrmadon: your name and accam number, the dollar amarrn of ttte attspectetl ertor, a description of the ertor and an exd nation, if poesiNe, of wny You believe there is rror, or ii You need mare Infomtavon, a descriptlan of the Item you are aware about. You do rim have m pay any moan in question wfine we ere Investigating It, but you ere sell aNlgatad to pay the pens of year rill that are not In quesdan. WNI we Inveatigato your qucsaan, we carcat report you as ddinpatt or take any action ro collect the amain you gtwation. 3, 1' Spetld RJa for Credt Card Purchases If you have a prablrm with the quality o1 propenV or xMcea that you purdtased with a credt card and yea hays tried in good faith to cortaM the praNem with tlw mercham, you may have the AgM not Io pay the remaiNng amount due on the pr any or xMCea. You have tltis protecdan asy vlten the purdux pAce was more than 350.00 and the Wrdtax was made in your home state or Within 100 miles of your mailing addrex. 111 we own or operate the merchant, or if we mailed you the advettiaement for the progeny or xMcee, aB Wrchases are covered regardex of amotsn or locafian of purrhax.) Roax remember to sign all cerreapmderoe. t Dees not apply fo consumer ran-credN card accamts i Does rot apply to business non-credit cant accounts One apporta information PrivecY Preection: see eu at www.cagtelorta.com. One is a federally ragrateratl xrvica mark of Capital arxial Corporation. All ngMa reserved. a 2003 One OILGLBAK 't a.~(i'saa Period. You will have a mirtimun grace period of 25 days without finance tltorge on new purdtexs, row balance trerefers, new Special purtlwaes end new other dterges if you pay your [mat 'New Balance', in accordaroe with the Important Notice for peymems blow, and in tune for it to be credted by your next statement tlodng date. There is ro grace peAOd an cesh advamas and spetlel trawlers. N addrlon, rlwro N ro grace period any trertaoction If you do rot pay tha total 'New balance b. AoarJng Fkaarwa Chrg . Trarnxtlore wNdt are rot ft~mtcethe date of tM [ransactlon~ors 2~) tram [M date Net ) transaction Is Processed m Vour Axunt or 3) from the first calendar deV of the wrtent NIYrq ppeeriod. Addtiamlly, if You rid not peY the 'New Bdanca' front the preNotn Nllirtg period in fell, frwroe drergae certdrare ro accrue ro your trtpeid baance utUl the tatpaid bebrtce is paid in fill. TNa meare that you may edit owe firertce tltarpea, even if Vou PaY the ertum New Balance ktdrated on the from of your atetemem by the next statement tlodrtg date, but rid rot do so mr the prevbus mantlt. Urywid fkrertce dwrga9 are added ro the ao~ppYYccaaW~e segneta of year Aarotrd. t c. MFYmun FYtvwa Gtarga. Far each biting period that your accetst[ is subject to a flrwrtce tlaarge, a miNmun rorel RNANCE GiP,RGE of 30.60 will be knpaxd. If the [oral flrertce dm real[4q from the icetlan of your periodc rate(s) is lees tfren 30.50, we Y xbtrac[ that arm from the 30.50 milmun and the dfferatce will be tilled to the purdase sagr~txn of your eceant. 1-d. Tarttporary Radrstion it F"nanoe Clurga. We reserve the rigor to rot assess any or all flrortce drerges for any even pilling ppeeriod 2. Average DaYy Balawa Ilnoktlatg Naw Ptsahasaal• a. Rneroe charge is calWated by mtludNrq the daily balance of eetlt segment of your accent (e.g., rash advertce, purchase, spedal [rerefer, acrd apedal purdrea:) by the cerreapoMng daily periodc rme(sl that hsa been prevlaaely dadosed [o you. At the erd of each dey drrirg tfw tilling period, we epdy tM doYy pariodc rate fo eatlt segment of your atxwutt to the drily balance of eaM segnem. Tften at the end of ttw NYtng period, vve add tp the restha of these deity celctlatlan ro artiva et your periodc fuwrwa charge for eadt aegnara. We add tq tho realm tram rant segment to arrive at the roml peAodc firertce tlwrge mr your accent. To gat the daily balance for each xgtuxtt of your aceent, we take the begiming balance for eadt segYtem and add any rew trereauYiore and any pperiodc firertce dwrge celalated m the pravitxm daV's balaroe mr that se9ttent. We than aWtrea any paymartts or credts posted as of that day t)wt ero allocated to that segment. TNs gives us the xparete deny bdaroa for aedt aegnen[ of your acce+tt. However, if you geld rite Naw Balance shown m Your previen amtrxnax In full (or If your rew balertce was zoro a a creel[ arrant), rew trereactiore vNtich poet to Vour ptudtax or special purdax segnenb am not added to the daily bdarges. Wo celctlme the average daily belartce by addng aU tfw daily belerxxs together ant dvidng the sum by the nntber of tfw tlays in tfw arrem NY'vtg cycle. To celeiete your tent tkmrtce charge, mJddV War average daily balance by dw daily pedock rate end by the ember of days in the biting period. [hoe to resxing an a dilly bees, them may ba a sngm variertce betweat tNS celaiWOn and the errant of flrertce dwrge actuaYy assessed. b. Ii the coda Z or N appears on the hart ai 1Ns statement row ro 'Belartce mete Applied To; we mWddy tlw 68497 Irrpatarrt Notlw: Paymama you mall to ua will ba credited to your accent as of the bualresa day vre receive h, provided l1) you send the Donam portion of 1Na satemem and your dteck in the erttlosetl remittance envelope and (2) your paymem I9 recdved In our procesdrtg cerner by 3 p.m. LT (12 croon PT). Pieax allow at leas[ flue (5) Walrtesa days for postal tlellvery. Paymems racdvad by ue et any other location or in any other form may cwt be crodtad as of the dayy we recdve them. Our buaineas days era MorWay throu¢t Saturday, wcdudrtg hditlays. Please do cwt use stadee, paper dips etc. when preparirtq your paymart. When you sand ire a checklsl, you audtoriza tis to make a mabme dectronc vansfar debit Iran your bank accauttt for the amern of the dteck ~TNa aulhodzatian apolea to aY checks received dudrq the billing cycle even if sent by saneorta rise. If we carrot process the trarrefer, you autMrize us to make a charge against your bank ecootrtt udrtg the check, a paper drab or otttar hem. ~- 028 --- - TTX And don t for et ou earn ;~ , rewards on a ery TJX Visa® purchase! Its that easy. • Earn 5% rewards on purchases made at T.J. Ma>~, Marshalls, HomeGoods and A.J. Wright and earn additional rewards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Marc, Marshalls, HomeGoods or A.J. Wright store location. T•~n1CD~( /Vtarshalls. ~ A.J Wright 028-1103 'Me.w>•R. ~'nc anrNnr.M. Rngnm'I'erm. anJ Gndirio~rs in your nrq;iml oRcr nr .xldiiGinal Aincloxnrc Icucr f r IiJI rkun.. t T Capita~dj2e PLATINUM VISA ACCOUNT OCT l0 - NOV o9, 2ooa {1 T 1/Y`1 4934-2224-9066-8657 Page 1 of 1 J Account Summary Payments, Credits and Adjustments Previous Balance 3.00 Payments, Credits and Adjustments 3.00 Trdttsactions Transactions 3136.05 Finance Charges 35.23 1 O5 NOV C.4SH.4DV. &T 1900 R1TN CARLISLE P.4 381.50 2 OS NOV HESS 38358 CARLISLE P.4 24.40 New Balance 3141.28 3 06 NOV DEIHLS MINI MARKET NEWVILLE PA 9.42 Minimum Amount Due 315.00 4 07 NOV WALMART SUPERCENT CARLISLE P.4 16.68 Payment Due Date December 09, 2004 5 07 NOV HESS 38358 CARLISLE PA 4.05 6 09 NOV CASH ADVANCE FEE - -FINANCE CHARGE 5.00 Total Credit Line 31,200 Total Available Credit 31,058.72 Credit Line for Cash 31,200 Available Credit for Cash 31,058.72 At your service To nll Cvstomu Relations or to report a lost or stolen nrd: 1-877-534-6841 Srnd payments to: Send inqu'vies to: Ann: Re,ni,mnee Prop-essing CapiulOneSuvim CapimlOneSuvioes P.O. Boa 85147 P.O. Box 85075 Richmond, V.4 23274 Richmond, VA 23285-5015 Important Account Information We would like to take this opportunity tv inform you that we may repon information about your account to Qedit bureaus. The reporting of your account information to credit bureaus contributes to your overall credit profile. Late payments, missed paymenu or other defaults on your aceovm may also be rcfleaed in your credit report Finance Charges Pleme Jas z sanJC ride for imfortant injornwtion Bal rat Prnodr Cone ~dag ~~~~ AtC m appludm tai dPR ~ PURCHASES 5.00 .00000% CASH 513.16 .OSG5894D .00% 5.00 20.6594 5.21 ANNUAL PERCENTAGE RATE applied this period 77.U14'v • PLEASE RETURN PORTION BELOW WITH PAYMENT caE'~ras `~ 0000000 0 4934222490668657 09 0141280000000015001 New Balance 3141.28 Minimum Amount Due 315.00 Paymen[ Due Dale December 09, 2004 Total enclosed 3 AccountNtmtber: 4934-2224-90668657 P4mrpr;al nroilirgaddrur awd ~rrmroJrAanBrbr! m:ndbirer or blark lak So-eec Apc b Gry Surc ZIP Home Phone Alucma Phon< #9031571589949290# MAIL ID NUMBER ~XH BST Capital One Bank ~ ~_ EMILY E STUM P.O. Box 85147 ~n~~u,~~n~n~t~„ ~~ ~~ 1329 DOUBLING GAP RD °m NEWVILLE PA 17241-9758 ~ Richmond, VA 23276 ~ ~u~t~u~~ut~t~~u,~t~~n~~n,~~nl~~nun~~l~n~~n,~~„ ~I~ ° ~ ~nl~~~n,~n~l~t~n~ul~~~t~n~ul~, ~,~t~n~n,~t~~I~m~, ~,~ ^'~ P/care vniteyo,m ecrounr number on your rlxrk or marry mdn made Payable to Cafital One Bank and ,nai/ in tiJe rnrloJed enaxlofa t a. Grace Priori. Vou will Nava a mbtimrm grace period of 25 days widntrt finance dtoryo m new purdnaas, row Dnlartec iramfars, row spodol purdwsoa and row olhor tdwrpos if you P9Y Your teat 'tbw Balance', in oaordonce with tM Importnm Wuce for psymoras blow, and in [ime for it to ba ercd[ed by your row s[atanan dosing don. Them is ro grace period on cosh advorrca and spaid transfors. In oddidm, intro Is ro grace period any [rareoction if you do roc pay tin [ad 'Now bdanco.' b. Acway F:rare• Charge. TrarnacUore wltfM arc not xbj [ [o a grarv period ore asseaaod M1rorwc tlnrge /) fran the date of the naruaction or 2) tram rite data rite [rmsoc[ian is Pr°r-road to your Aerator or 3) fran pro firm ralardor day of the curnxs bigirrp period. Addaionolly, 'f you rid ro[ poY the 'New Dalonco' iron the Drevioua biding podod M (WI, fawnco dnryee eonUnue to stern to your urtpaid balanco tn[N dw trlpaid balarlco is paid in kal. TNa merrn Unt you m°yy aUN ovre fironca Msrpos, avon iF you pay rho entlm Nevi 6dorrv ildra[o0 an tin irorrt of your aatemont DV do row staxrxnent tloolnp data, bra ditl rot do x for rile provioua month. Ihpold Rraroo Morpes ddod m dto appNcn6le segmem of your Aceent. t c. MHrem Ffnane• Charge. For cant WINng poriad dot your accotrn Is xrblac[ to a firnrlcc dlorgo, s mirtirtun nl f7NANCE CFI•.RGE of 50.50 will bo ImpoaW. If Ile [o[sl finance dlerpe re8lllirlp frwn the don of your periodc mte(al is lee than 90.50, orb atbtrtwt that omotnt fran the 60.50 mirlirntm and dlo 6fferawe will bo fillod to the purMgx tot your otxera. 1-d. Tenparary fieduntion :n Fnan°a tlurga. We rexrve the right to roc astnss any or oN firollce dnryca fa arty given biNirrp period. 2. Avrage Dry ealanae INrasd'np New Plydaseal. a. France chargo is calcJatetl by mtitidyfng tln daily bdolox of eaM scgmern of your accent (e.g., rase advance, Purdux, apodd trarefor, and spodd purdasel bV rho t»ncapaldng tloNy pododic corals) that hss boon pmviously diadosod to you. At Ib alp of cant doy durirg tre NINrg period, wo aptly the doNy perio6c rota fo oaM segmerx of your accent to the dally balance of eaM t~ticst~n o~tNso doi~mlcllauoro io omv°da at~yar ~ pedodc Rrortce dlarpo for eaM sopmtrn. Wo add up tin mxan irmt eaM sopmom to arrive of fio tad poriodc finance drorpa for your account. To pct tin ddiY Dalarno fa oath xprrttmt of your atanlal[, wo toko do bepmirtp bdartce fa oaM sogmont and add any row troreocdarn nd any periodc firorno dlorpo ralafatod on rho previous day'9 bdarco FOr d1aL 9C¢nlxH. WC Hal et~intx my paymann or crodts pos[od os of fiat day shot oro olloca[od to du[ sognon[. rns gives to the aeporato dolly bdarrce fa eaM ac{Fnant of your ncrztnt. Howevor, if you pad Ne Ww Balarna shaven m your provfous anlamaa In NI (or !f your row balartco oven zero or a erodit smarm), new nansadiorw with poet m your purdl ere a spedd c~drW to draceavomge dd1Y balancer by ndrlitq n9 chc doilWt bolornes topodnr and dvitirq [Ito arm by the nntber of the days fn tin wrrau billirp cyclo. To rclalotc yaw ford fironco dtorpe, mJtiply your averopo doNy balorlx by Utc doily parfodc rote and Dy tin amber of days M Un filNng period. Otxe to roud'irp on a doily bees, tfnrc may bo a aNgh[ vsdarnc betvcm this calaaaUOn and the omen[ of firortce tlnrgo aauroNy assoavod. h. I1 rte coda 2 or N appears on the front of this statanmt row to 'Bdonce Rnte Apdfad To; we nlWlidy the -.._ ppecriodc rote. Ta obtain the avenpo daily bolnrwc for the 6illirq Period covered by this atatanent, we Inke the hepimrq balance of oaM xgnem each day, odd any row iran9odions to each sopnan, and slbtroet anY WYmerna or crodils. (It Ute code N appears m the tram of this antamorn ro>n to'Bolaroe Rate Apdiod To,' vue nlx n6tract any Irpdd finance Margo indudod In the balnrwe of wM s em.) TNa gfvoa us the daily balance of oath acgnmt. Tiros, wo add up all the daily belarxcs tar CaM segment for the filling poriod nrd divide by the Imp ra,nber of days In the fining period. me e~• e9 Iho wrage deIIV balance o/ eaM sognent. 3. ArrarY Prwsap• Ratr IAPRI. a. The lean 'Amual Percmnpe Rate' may appear as 'APR' m rho front of this atmomem. 6. it the code P (Primal, L (3-mo. LIBOR), C ICenificnte of Dopoaitl, or S (Bonkmrd Prime) appear m the iron of tHa anteman rant to the periodc roeo(s), the periodc rates and coneapaldrrp ANNUAL PERCFMAGE RATES may vary queneny and may irwreax or dcereax based m the anted indices, as found in The Wa0 Sbcef Journal, duo tin margin pp eNOUdY distloxd to you Thai tlwrges vAll ce cffatUve on tiro first daY of your fiNirtp pod°d covered by y«x pedodc antematt cndrq in Ib mmlha Jamury, Apil, July and October. c. If the code D (Prime), F Il-mo. LIBOR) or G 13-mo. LIBOR ReprMartl Monthly) appears an the front of your sulement next t0 the periodic role(s), Ux periodic rates and wrrespord'irq ANNUAL PEACEMAOE RATES may vary mmWy and may iroreme a dcerenx booed on tM Hated indices, as land in The Woll Street Joumol, pus the margn previeudV 6adosad to you. These dunpea will be etfomive m 1fn first day of your bifiirq period cant momh. 4. Ass•samers of Late, Overimit and Rehantl Pryrttrrt F•u. Your accent will be aaseaaed ro more Ilan two 01 tM tees listed here riot ocarr durirq any WNirp period, Under rho terms of your customer aprooment, ova rexrw fie right to wnivo or not to acaeaa any face wllhen p'or notificotlon to you without walMrq our right IO a9aeas IM somC Or similar ices at a later Limo. 5.tRrr•wiO Yer Aowst. If a noentbenNp fee appoan m tin fran of IMa atatomont, you hove 30 day fran the data this nnoment was moiiod to you to avad payirq the fee or to Mvo ouch fee credted to you if Vou coned Your accoun. During this Dedod, You may continue to Irx your occolad vrithatn hovirq to paY the membership ice. To caned your accoum, you must notify ua by calling our Customer Relations Depanmom oM Day yyour 'Haw Balerne' in fill (exdudinp rho memberahp Ice) prnr to the and of rho INny-day period. B. If You Cbae You Aeaorad. Yau can roqucst to clox yyour account by calling our Crrnamor Rclatiau Deponmmt. You must destroy your audit card(s) ant account access checks, caned aN Dronulhodxed filling, and CBa9a Ualrg yOUI ectOall. I1 yW d0 rot [arod prestntwrized Wlling arr°rlg°rnanta, we will consider recoipt of a charge your authorization to reoprn your accent. Addifiorolly, yen octant will rot be dosed until you pay all amounts you owe us iroludirq: any trarmactiem you have authorixod, tatonce charges, pen due fees, avedimit kea, renamed payment fees, cash advance ices and any ehor foes aaxaxd to Your steam. Vou are resporeide for Ilwec Omotnla whethor they appear m your occotnt at the time you reWcs[ to clox the occotnl or they are irourrod atMOquont to your rgqunn to clox iho octxanf. This may rcatrlt in charges appearing m your eccouU after you hove yotx accoutt if it has nlmady beat doxrl. Por eznmde. if you authorized a purehox fran a mcrdnnt and we reeeiva dlo troroaction from rho merdnm afar your steam lua boon Goad, your octant will ce reoponotl, iM senator of the Marge will ho addod [o your octant, and yyoouu 'll be rosportmdc for poymont. If there is a mcmbenltiP fm br yen occoux, the fat will Cor1lYMN: to bo dlorpcd, to tin ax[tni po 'ttod by law, tnUl nn otxaau bolarwc has boon paid in fWl as defxlod about. 7, l/sirg Voa Aeooud.YOUr Lord or accoun cavort be rued in urorvwction viN any Interrot gomfikq trarexlktre. 8. kbtlee Abell E]•ctraJa Gleek Carrvraion. Wfwn you provide a Mack as paymatt, yw eulfwrize ce either ro too infomation from your rinck ro make a orartimc obaronic trod [mrefor iron your book octant a m process the poyrnrnt as ° Mock Irmsaction. When wo ux infomntien fran yotr Mock [o make an okctroric find [raufar, finds may ba withdrawn from your bank steam as soon as tin xmo day vve receve you payment, ant you wiN ro[ rcedve your dark bock from your froncial irutittaim. 61LLING RIGHTS SUMMARY lln Cox Ot Enars Or OucsUOna Ahern Vour Bill) If you INnk your bill is wrong, or i1 Va rid more inbrmadon on a Inrlenmigrl or bill, write to us m a xparele sheet as soon as possible n the address for 'rptirica ahovn an tM lrmt of Wa natement. We mtut franc tram you ro later Than SO days after we arxtt you the first 6iN on vMM tM ertor or Drafiem nppcered. Vou can call otu Customer Rdatiom ntmber, but firing so will rot prexrve your ridrts. M you lever, pivo ua tin fdlovrirp intortnaiion: your name and accotm nunba, Ile ddlar smart of the suspected ertor, a dexripum o1 Itw ertor and an m~lanntian, N posdde, of why you believe there is error; or If you roved mare iniomeian, a dcscdptim of the Iran you are urrwro nben. you do not hove to pay any amerll M questim whNe wo arc Inwatigating h, but You e slgl dxli9clad 10 pay the pans Ol your NII del nrC not in question. WNIc we invcaligata your 9ucsdon, ova tyrant report you as ddingtrati or lake any action to edlect the dmeYll yW QnealiOn. i,t Special Rule fror Cre6t Card Purchases I1 yw have a praNan with the quality o1 property a xMxa tlal you puruiused with a credit Card and you have /dad in good faith to rAnacl the prohlom with the merdnnl, you may have the right not ro pay IM rcmairlirq smart due art tin properly or xMCce. You bout INs prolecUOn aay when the purchax price was more than 350.00 and the purtlwx was made in your bane state or within 100 rdlea of your maairq address. flf we own or operate the merchant, or If we mailed you the advcrtisanent for the progeny a acMCes, all Wrcfwxn e covorod repardess of amoux or locator of purchase.) Ploasc romembcr to sign all correspadane. t Docs vox oppN to consumer non ~t cad accounts i Lbes rat apply 7o business nan~uedrf cord accounts One eppons inlormadon privacy Prmection: xe ow at mvw.capptalona.com. One is a federally raglatere0 xrvice mark of Capital ~al Coq»taUon. All rights roxrved. ° O~GLBAK O n N O N 6G49T Irrportart NrNw: Payrrlema you mail to us will be credted to your accoura as of the bushlesa day ova receive h, proNded (1) you sad the bosom portion of Ws statanem ant your deck in the enclosed renllnance envelope and (2) your Paymem Ia receved h our processing caner by 3 p.m. ET (12 rwon Py). Please albw at least Ave (5) business days for postal delivery. Payments received by us at any otter location or m any other form may cwt 6e credited as of the de vve receve them. Our buslroas days are Monday though Saturday, exchxling holidays. Pleax do cwt use stapes!( paper firp8 alt. vdten prcpergq your paymam. When you Bend ura a check(s), you avUwdze laz to make sane-time elecirorvc vanster debit from your bank etCOUni br 1h0 alrlOlall Ol UIC droCk TNa aVLllodxaliOrl apoll810 all dMCkB racerVad dUdrlg 1M b11Nlq CyCla BMa~ If Sall by aarrl8ala fix. If we CaralO( praCa85 iha tlmafar, yW BUIiwdZa us to make a charge against your bank atx:em using the check a paper draft or otMr tram. ~~ oza T X v And don't forget-you earn ;~ , rewards on every TJX Visa® purchase! Its that easy. • Earn 5% rewards on purchases made at T.J. Maxx, Marshalls, HomeGoods and A.J. Wright and earn additional rewards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxx, Marshalls, HomeGoods or A.J. Wright store location. ~J•n1CD~( Marshalls, xom ~ A.J Wright 028-1103 'Plnsr vcr the 7LmrAr Prnpam lecmx snJ C ndirions In your ,ri~invl o~ r nr:aWirinnal diulosnrc Icv~r for full Jerailc TJx Acoolutt Sumrnarv Previous Balance $141.26 Payments, Credizs and Adjustments 1200.60 Transactions 51,052.42 Finance Charges 552.69 New Balance 51,045.79 Minimum Amovnt Due 531.00 Payment Due Date January O8, 2005 Total Credit Line 51,200 Tonal Available Credit 5154.21 Credit Line for Cash 51,200 Available Credit for Cash 5154.21 At your service To wll Ctutomer Relations or to report a lost or stolen oard: 1-877-5346841 Send payments to: Send inquiries to: Attn: Remittance Pro Wising Capital One Serviar Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, V.4 X3276 Rirhmond, VA X5285-5075 PLATINUM VISA ACCOUNT NOV 10 -DEC o9, 2004 4934-2224-9066-8657 Page 1 of 2 Rewards Sumnrarv- this summary reflects transactions nosud durin¢ this billin¢ cycle Previous Rewards Balance 5.00 TJX Rewazds 10/27-12/07 5.00 Other Rewazds 10/27-12/07 53.72 Rewazds to be Issued 5.00 Balance as of 12/07/04 53.72 Payments, Coedits and Adjustments 1 04 DEC PAYMENT RECEIVED -THANK YOU S20o.60- Transactions 2 09 NOV CASH ADV. T FC/1166 WA CARLISLE PA 5181.50 3 09 NOV SLOOP SERVICE CENTER CARLISLE PA 109.44 4 11 NOV HESS 38358 CARLISLE P.4 15.00 5 11 NOV T &C GENERAL STORE NEWViLLE PA 5.38 6 13 NOV CASH ADV. &T JEFFERSON SHIPPENSBURG PA 201.50 7 14 NOV 0263 SHEETZ 00002634 CARLISLE PA 4.05 8 15 NOV 0070 SHEETZ 00000703 SHIPPENSBURG PA 7.70 9 15 NOV CVS PHARMACY #5726 Q03 SHIPPENSBURG PA 12.16 10 15 NOV SAYLOR'S MARKET NEWVILLE P.4 15.00 11 16 NOV SAYLORS NEWVIULLE PA 2.59 12 17 NOV CASH .4DV. /501 W LOUTH CARLISLE PA 21.50 13 18 NOV CASH ADV. &T 1900 RITN CARLISLE PA 121.50 14 19 NOV HESS 38358 CARLISLE PA 10.59 15 22 NOV CASH ADV. 04 E. HIGH S CARLISLE PA 82.00 16 24 NOV CASH.4DV. 04 E. HIGH S CARLISLE PA 82.00 17 24 NOV DELI CREATIONS CARLISLE PA 5.10 18 26 NOV WALMART SUPERCENT CARLISLE PA 6.24 19 27 NOV MICHAEL'S #2754 CAMP HILL PA 5.68 20 27 NOV DEIHLS MINI MARKET NEWVILLE PA 4.07 21 27 NOV WALMART SUPERCENT CARLISLE PA 3.12 Finance Charges Pkare tee reverm ridejor important injormation ~ Bdaxre raft Prriodir CorraPRdmg ~/,~~ t„ app/udto rm'r P11C ~ PURCHASES f.00 .0000096 .0056 5.00 CASH 5651.71 .0572696D 20.9096 511.14 ANNUAL PERCENTAGE RATE applied this period 86.1496 PLEASE RETURN PORTION BELOW WITH PAYMENT ~ ~~~ 0000000 0 4934222490668657 09 1045790200600031009 New Balance 51,045.79 Minimum Amount Due 531.00 Payment Due Date January os, 2005 Total enclosed S Acwunt Number: 4934-2224-9066-8657 P/arrp,;st mai!'ng ~drrr anb r-nwilrbangrr brG.»ssri«a b! orbfeoE iuk Strxt Apr. Y Ciry Sure ZIP Home Phone Altesaatt Phoac EmsSAddrese ~ #9034571589949297# MAIL ID NUMBER Capital One Bank ~ EMILY E STUM P.O. Box 85147 ~ut~~~~ut~~nl~u~t~ ~ ~ 1329 DOUBLING GAP RD Richmond, VA 23276 n ~ NEWVILLE PA 17241-9758 ~u~s~n~~ns~s~~ut~r~~u~~m~~nt~~nnu~~t~n~~m~~n~,~ ° ~ ~ut~~~ut~n~t~l~n~ut~~~,~5t~ns~t~,~,~n~ns~t~~s~us~t~t~ Pleare write your arcoant number on yore check m money order made Payable to Capita/ One Bank and mail in the rnrlared rnvelofe. O N i1 o ~N 't' a. Orraae Pried. Vou will have a mirrmtm grace period of 25 days withert finance tlterpe on new purdasea, new balance trarefers, new apedal punflasea and rew other charges if you_ pay Your total 'New Balance', in aCCOma11Ce With the illlpaftam Nodce fOr paymass below, end in time for it ro be credted by your ren ae[ement tladng date. There is ro grece period on cash edvarras aM spedel trerefers. In addtlm, there Is ro grece period on any [resection if you do not pay the total 'New belarra.' h. Aorusg Fitrwe Charge. Trareactias vMidt are rot abject to a grece period are assessed Warax: dtarge t) from the date of the trareactlon or 21 from the date the traraactim is processed to yar Accent or 3) from Na firer calendar day of the ezrrent Nllirq pa ~ ~ ~IIY, 'f you rid rot pay the 'New Balance' iron Nliirq period in fWl, finance dargea candnue to eccrtze to your upaid balance udil the usaid belerice is paid in full. This meare that you may aifl owe fironce charges, even if you pay the emire Now Balance indce[ed m the front of your atatamtnt by the re>R ae[ement tladng date, but 6d rot do so for the preNaa manN. Urpeid Marne daergas are added to the a Ne s'gnent of yar Accetn[. 'r c. MNnaan Flnanee rqe. Far each NIBng pedotl flat your secant la stbject to a finance darga, a miNmum total FlNANCE CHARGE of 90.60 will be imposed. If the mul finance dirge resultMp fran the epplicetlan of you periodc rate(s) is lax then 80.50, we will stbtract that amoum from the 90.50 mttimtm and ttn dtfererice will fze Nflad to the purdteae aegnant of Ye+ ecevint. 'r d. Terrporry Retfuotion it Fnanoa Clurga. We reserve ifn ride to not assess any or all firerne Merges for any gven N ling period 2. Avrape Daly Balance Ilnokdh[n Naw Ptrahaaaal. a. Hnance charge rs celc[/ated y mJfiplying do daily balance of eadt aegnem of your aceant (e.g., rash adverse, purdax, spadal trarafar, and apedel purtlase) by the cemesparidrig daily periodc rate(s) that hasyDeenng Ne N ifl ngy padod~ t apply the dally pedorlcate fo~aedt segment o your atxan[ to the daily balance of each regnant. Then itt Na and of the Nflrng period, vie add ip the resits of these daily cdaiedaa to amve m r periods firarna charge for each aegnent. We add tq itte real~a from lads 9eQmfIM t0 aRIVe at L)IB [Otd ped06C firence tlarge fw yar atxant. 7o get rite daily balance for eaM segment of your accent, we take the begimirq balerne for eadt regnant and add anyy new tresecdore and any pariodc firerna charge calalated m tin Previous clay s balance (or diet segmem. We then subtract any peymatts or credta pasted as of tlat day that am allora[ed to Nat aegnem. TNs glues s the aeperne daily belarne for each aegnent of your accent. However, if you peitl the New Balance shown on yar preNaa aatement In full (or if you rew balance was zero or a credt amotnt), new trareacliau wNdt post to your purMase or special purdase segnems ere not added to the deity bderaces. we calculate the everega daily balance by atldng dl the daily belarices together end dNdng tfn sun by tfn nn[ber of the days in the current billing cytle. To celalata your tad firorne charge, mxlriply yen average daily balance bV rho daily pa odic rate and by the nanber of days n the bfling period. Due to routdng on a daily basis, there maybe e sflgm vadaroa betwreen tNs celGrletion acid the surest of flrorne therge a«sfly assessed. b. If the code Z or N appears an Na front of this matement ren ro'Balance Rate Applied To,' we mWtlply tfa _, ,.. pe~'odic rate. To obtain the average daily 6elarne for the rid rq period covered 6Y tNs statemem, we take the begimng balance of each segmem each day, add any new tran9actiana to eatlt segment, end subtract any payments or credta. (If the code N appears an the from of tNa arstemem next to 'Balance Rete Applied To,' [ue also stbtract any trpaid finance charge intluded n the balance of each x ant.) This gives us the daily balance of each aegntent. Then we add [P ell the dallyy balances for each segmem for the Nlling ppeeriod and dNde by the total number of days In the Nilirp period. TNs gives ua the raggee dally balance ai eadr aepnent. 3. ArnW Prorttape Rates IAPR4 a. The term 'Annual Percentage Pete' may appear ae APR" m the front of 1Na netement. b. If the code P IPime), L l3-mo. LIBOR), C (Certificate of Depoah), or S IBa+kcerd Prime) appears on the tram of tHS atatemem next to the padodc rate(s), the periodc rates and coneapondng ANNUAL PERCINLAGE RATES may vary quertedy and may increase or decrease based an the stated indces, as found in The Wall Sheet /oumel, plus the margin pprewanay datloaed to you. Thex d[engea w(fl be ettecllve on the first tleV of your Nflirg period covered by your padode sutamem endng In the months Jaraary, April, July and October. c. If the code D (Primal, F 11-mo. LIBOR) or G 13-mo. LIBOR Repdoed Mmihly) appears an the tram of Ywr atatemem nod to the pedadc rate(s), the dadc rates acid cerreapmr-ng ANNUAL PERCENTAGE RATES may vary montNy and may increase or decrease baud on the stated in6ces, ea food in The Wa!/ Sheet Joumel, dos the margin preNoudy dsdoaed to you. Thex changes will be effective m the final day of your billing period each momh. 4. Aaseeemrit of Lath Ovrimit etM Rettatwd PaynwR Fees. your accent will be assessed ro more then tvro of the teas listed here that occur during any Nllirig period. Under the terms of your customer agreement, we reserve the right to waive or not to assess any tees without rior rotlflcetlon to you wflhen waiving our dgM to assess the same ar similar fees at a later time. 6.tfteraewirtg Yen AoaaurR. If a membenNp fee appears on the from of this statement, you have 30 days from the date flea statement was meded to you to avoid paying the tee or to have such fee cradled to you if you caned your account. During iNa period, you may continue to use your aceant withotrt having to pay the memherdap fee. To cancel your eceoun, you moat notify to by ceiling our Customer Relations Department antl pay your'Naw Beleroe' in full (exdtidng the membership fee) prior to the end of the W rty-day period. 8. I} You qox You Aaaoud. You can regtast to tlosa your account 6y calling our Customer Reladore Department. Vou must destroy your credit ceN(sl antl acceunt access checks, cancel all preatnhodzed Nlling, and ceax using your ecce[rit. It you do not cancel preatnhorized filling arrangements, we will cereider receipt of a darpe your authorization to reopen your account. AdditionellY. Your acceunt will not ba dosed until you pay all amounts you owe us irnludirp: any nanxctias you have etnhodzed, fiance charges, past due fees, ovedimit fees, caromed paymem tees, cash advance teas end any other fees assessed to your eceeun. Vvu are resposide for these amatnta wfimher they appear on your accotnt at Ne time you request to clox the secant ar they are Incurred subsequent to your request to done tta eceoum. TNa may resdt in CMrgee appearing On your accotnl aher yvu lave your accent if ft has already been dosed. For example, if you authorized a purdax from a merchant and vve receive the traraactim from the merchem eher your accent has been dosed, your accent will be reopernd, tfn amour of the dterge wi0 be added to your secant, and you 'll be reaporriNe fir paymtnt. If Utere is a membership fee for your eccars, the fee will cm[irsae ro ba Barged, [o the extent pem[mad try law, unit the aceo[nt balance has been geld In full ae defined above. 7. tfaitg You Aaawad.Vaur nerd or accetm cannot be sari in corrtactbn with any axerrta garnbbrq tresaolea. 8. Niztiw Afeaut Eleebvrio paeok Carrvralorr. When you proNde a deck ea payment, you aufndze u either to tae infomurim from yea' check to make Bone-time dactroric fuel tresfer from yer bank etxars or ro prooeae tfn paymem as a dteck traruectim. When wa tae information from yar check ro make an dactraac ftnd trarefar, fords may be wit)drewn free your bank secant as soon as the xme day we receive your payment, and you will not receive your check back from your firerldal iratinrtlm. BIWNG RIGHTS SUMMARY (In Case Of Errors Or Queallaa Ahaut Vour Bilq If 1'ou tNnk your bill Is wrong, or Ii you need more Intortnetlan on a trasealan or NII, write to us an a separate slxet as soon as poadde at the address for inpiries shown m the front of this statement. We moat hear from you ro later than 00 days aher we asn you the first hill on wttich the error or problem appeared. Vau can cell au Ctataner Rdativre number, but doing so vAll not preserve your rigors. In your latter, P~ us the fdlowing information: your name antl account number, the ddler amotnt of the atapected error, a dexriptim of the error and en e[Rlastlon, ii possible, of whyy you believe there is n error; or if yvu need mom Iniarmatlan a dexdption of the kem yvu are unsure aben. Vou do not have tv pay any ant in questlan while we are investigating it, 6tn you re edit obligated to pay the pane of ywr bitl that are not n question. WIYIa we Inveatlgato your q sties, rnat report Vou ea deflrpuem or take any ectlm to cdlea Ua emotnt you queadm. i,t Spedd Rue for Creel[ Card Purchases If you haws a proNem wIN the quality of property or xrvicee that you purchased with a credit card end you have tried In good fafih to correct the proNem wfth tfn merriest, you may have the dgM rot to pay the remaWng omornt due on the pr rty or seMces. Vou have tfis protecdon only when the purdax price was more than 060.00 and the purdase was made in your home state or within 100 miles of your madirig address. Ilf vre own or operate the merCham, or 11 we mailed you the edvenisement for the pr rty or xMrxa, ail purtlaxa are covered regerdess of amount or location of purchaaeJ %ease remember to sign all cerrespondence. t foes not app/y to consumer ran-rsedi7 ceN accounts i f)aes rot apply tp business nor-Credit cab accounts Ca p''tai One s[pports information privacy protection: sea our wabaita at www.upptalara.can. Capital One is a fadarelly raappnerad service mark of Capful One %nandal Coryoratian. NI ngitta reserved. a 2003 Capital One 01 LGLB4K Inportad Nirtloe: Paymeme you mall to us wfll be credted to your acorns as of the buelrteas day vie receive h, prowdad (t) yw aerM the bottom pottlon of this aatamem antl your dteck In the enclosed remittance envelope and 42) Your ymem Is recdved In our oceadrtg curter by 3 p.m. ET (f 2 noon PT). %ease allow at least flue 15) business days for posul delivery. Paymems recdved by ua at any other locetlon or In any other form may rat be credited ae of Ne day we racdve them. Wr business days are Monday 1Nough Saturday, axclWrp hditlaye. Pleax da nut use suplea, paper di etc. when prepenrp your paymem. Who[ yyoouu sarW us a check(s), you authorize ue to make a ante-bore dadronc trasfer debit tram your bank accotrn for the amaatt of the check ~TNa euthorizatian applrea to all chacke recdvod during the billing eyrie even if xm by someone doe. If we carcat process iha transfer, you authorize ua to make a charge against your bank acco[ni udrq the check, a paper draft or other item. 999 CapitalQ~® Your Credit Future Is In Your Hands what's in your wallet?'" Capital One® wants to give you a[l the help we can in managing your finances. To make the most of your time and money, take the following steps to maintain yourgood 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. 999-ttoi ~~ TJx Account Stttnmarv Previous Balance E14128 Payments, Credits and Adjustments E200.60 Transactions E1,052.42 Finance Charges E52.69 New Balance 51,045.79 Minimum Amount Due 531.00 Payment Due Date January 08, 2005 Total Credit Line E1,200 Total Available Credit E154.21 Credit Line for Cash E1,200 Available Credit for Cash E154.21 At yotu service To mll Customs Relations or to repon a lost or rtolen card: 1-877-534-6841 Send paymrnis to: Srnd inquiries to: Attn: Remittance Processing Capital One Secviar Capital One Serviar P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond. VA 2 9 285-50 15 ro n m PLATINUM V1S.4 ACCOUNT NOV l0 -DEC 09, 2004 4934-2224-9066-8657 Paget of 2 22 27 NOV BONANZA 717 CARLISLE PA 20.00 23 28 NOV CASH ADV. &T 100 S, SP CARLISLE PA 22.00 24 28 NOV CASH ADV. 04 E. HIGH S CARLISLE PA 22.00 25 28 NOV HESS 38358 CARLISLE PA 15.00 26 28 NOV HESS 38358 CARLISLE PA 5.31 27 O1 DEC CARLISLE AREA HEALTHCA CARLISLE PA 10.11 28 Ol DEC VIDEO UPDATE CARLISLE PA 8.86 29 Ol DEC HESS 38358 CARLISLE PA 19.05 30 02 DEC DEIHLS MINI MARKET NEWVILLE PA 8.09 31 02 DEC S.4YLOR'S MARKET NEWVILLE PA 10.00 32 02 DEC PIERCING PAGODA 00650 CHAMBERSBURG PA 15.88 33 09 DEC CASH ADVANCE FEE - -FINANCE CHARGE 41.50 • PLEASE RETURN PORTTON BELOW WITH PAYMENT ~~~ 0000000 0 4934222490668657 09 1045790200600031009 P/asrps;nt~'ngadAnuaab r-mai/cA.mdrbr! suing b/ or black ink New Balance E1,045.79 Minimum Amount Due E31.00 Sort Apt Y Payment Due Date January 08, 2005 City Stan ZIP Totalendosed E Hom<Ptwne AhecnmePhone Account Number: 4934-2224-9066-8657 Capital One Bank P.O. Box 85147 Richmond, VA 23276 #9034571589949297# MAIL ID NUMBER EMILY E STUM r 1329 DOUBLING GAP RD 1 NEWVILLE PA 17241-9758 PJeace write yow artm~nt numbs on your rheuk or moray order made Payable to Cafital One Bank and mail in rlx enrlared enveJofr. Capital ~}~~® what's in your wallet?'" The steps to maintain your good credit era provided by Capital One, In con)undlon with Consumer Actlon (www.corrsumeaaction.org). m soot Capital One Services, Ina Capital One is a federally re¢stned service mark. All rights reserved. O n N ~ (r ~ ~ n O r0 Irrportart laodw: Paymema you mall to ua vNll be credited to your octant as of the business day we receive h, proNtletl (1) you eend the btmam ponlon of tMa statemem antl your dtack in the endosed remittance envdopa antl IT) your payment Is received N our procasainp tamer by 3 p.m. ET 111 roon PT). Pkaae allow at least Ave 15) buslnesa days for postal delivery. Peymenta received by ue n any other location or In any other form may not be credhed as of the day we receive them. Our bueineea days are MorWay thrwgh Saturday, exdu6rp twitdays. Pleaae do not use staples, paper dips etc. vrtten prepanng your Pa ant. When yw serM ua a checyle), you authorize ue to make a onetime electratic transfer debit iron your book accarrt for the amain of the check This authorization applies to all checks recavetl tlunrp the billirp cycle oven ii sent by twmaona else. If we carrot procwa iha uansfer, you amhodze us to make a charge againn your bank acowsrt uainp the check, a paper draft or other item. - 028 TJX. And don't forget you earn Its that e ! rewards on every TJX Visa® purchase! ~ • Earn 5% rewards on purchases made at T.J. Maw, Marshalls, HomeGoods and A.J. Wright and earn additional rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Marc, Marshalls, HomeGoods or A.J. Wright store location. T•~•fY1CD~( /VlarshallSa neGoolds A.J Wright 'P4 ase u th Mv.Ms Program "term.. anJ Gndirie~ss in your ruiyn.l of7cr nr :uldir 028-1103 innal Jiacloxvrc Inner far Full Jerailz ~~ '- ~~ ~` Cap/ta/l~j7g' V PLATINUM V1S.A ACCOUNT DEC L0, 2004 -JAN 09, 2005 TJ J~ 1 1 4934-2224-9066-8657 Page 1 of 1 Account Summary Rewards Summary- this summary reflects transactions posted during this billing cycle. Previous Balance (1,045.79 Previous Rewazds Balance E3.72 Payments, Credits and Adjttttm ents E.00 TJX Rewazds 12/08-01/06 E.00 Transactions E290.28 Other Rewards 12108-01/06 E.20 Finance Charges 532.71 Rewazds to be Issued E.00 Balance as of Ol/06/05 53.93 New Balance E1,368.78 Minimum Amount Due 5168.78 Paymem Due Date February 09, 2005 Payments, Credits and Adjustments Total Credit Line E1,200 Total Available Credit 3.00 Credit Line for Cash E1,200 Available Credit for Cash E.00 At your service To all Customer Relations or to report a lost or stolen ard: 1-877-534-6841 Smd payments to: Send inquiries to: Atm: Rernittana Processing Capital One Setvica Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, V.A 23276 Rirhmond, VA 23285-5015 lmoortant Account lnformafion We would like to take this opportunity to inform you that we may report information about your account to aedit bureaus. The reporting of your account information to aedit bureaus contributes to your overall aedit profile. Late payments, missed payments or other defaults on your account may also b< reflected in your aedit report Your scheduled payment has not been received. Please remit the amount due appeazing on this statement. If you have already made your payment, please accept our thanks. Transactions 1 O8 DEC DEIHLS MINI MARKET NEWVILLE PA E6.23 2 11 DEC CASH ADV. 3037 N. FRON HARRISBURG PA 42.00 3 11 DEC CASH ADV. 3037 N. FRON HARRISBURG PA 62.00 4 11 DEC CASH ADV. T/9 W BIG SP NEWVILLE PA 102.00 5 11 DEC SAYLOR'S MARKET NEWVILLE PA 14.05 6 13 DEC OVERLIMIT FEE 29.00 7 09 JAN PAST DUE FEE 35.00 8 09 JAN CASH ADVANCE FEE - -FINANCE CHARGE t5.00 Capital One is proud to support The Heazt of Amerita• Foundation, helping children learn to read, succeed, and make a difference in the world. In 2003, we gathered neazly El million worth of books for children in need. To leazn more about how you can help a Child make reading a lifelong passion, visit www.heaztofamerita.org. You were assessed a past due fee of E35.00 on 01/09/2005 because your minimum payment was not received by the due date of 01/08/2005. 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 ree revere tidej%important information Ba! Hrat< Prriodir Cater pmdng ~f,>~~ ~Iirdro rots A A1( PURCHASES f313.78 .0000096 .00% f.00 CASH (985.86 .05795%D 21.15% 517.71 ANNUAL PERCENTAGE RATE applied this period 30.2090 ;,~;~_ • PLEASE RETURN PORTION BELOW WITH PAYMENT ~a~"`,~~"~ 0000000 0 4934222490668657 09 1368780200600168781 New Balance 31,368.78 Minimum Amount Due E168.78 Payment Due Date February 09, 2005 Total enclosed E Account Number: 49342224-9066-5657 P/rarrprisumai('ngaddrcn~ rnwilr)mgnbr! aaindb( orblae6iak Srreec Apc Y City Smce ZIP Hom<PMm Alternate Phone Email Address ~ #9000971589949299# MAIL ID NUMBER Capital One Bank ~ EMILY E STUM P.O. Box 85147 Itltltllnulnlll,ltl ~ 1329 DOUBLING GAP RD Richmond, VA 23276 v ~ NEWVILLE PA 17241-9758 It9111tlllltllllltttltllt911tt911tttlllttttllltlltlltltllttltl ~ Itttlll9tlittllltlllltltllltlttl9ttitl,ltltllltllllllitrtltltl Pleare vniteyour account number on your check or money order made payable to Capita! One Bank and mail in 1!x rnrlaed rnvelope. r O O ^k' N obo~i o tbN ppeeriodc rate. To obtain the average daily bdartce for the Nllinp periai covered bV this statement, we take the begimrp balance of each aegnem eeM day, add any new uanmcfioro to eeM aepnent, end subtract any payments or credts. (Ii the code N appears en the iron of shin autemera cexi to 'Balance Rata Applied To,' ws also summa any uryaid finance charge irtduded in the balance of each segmrmt.l TNs gives w the daily balance of each segnent. Then, we add up all the dailyy halartras for each segment for the tipirg periotl and dNde by the total raanber of days n the Nllirq penal. TNa gvea ua the varyggee tlaily balance of each segment. 3. AnsW Poroarrdga Rata IAPR4 a. The term 'Annual Percentage Rete' may appear as APR' en the from of Ws netamem. b. If the aria P (Primal, L (3-mo. LIBOR), C (Certificate of Deposit), a S IBankmd Prime) appeam en the frorrt of this sutemart next to the periodc rate(s), the periodc rates and mrreapondrtp ANNUAL PERCENTAGE RATES may very gwnedy and may increax or decrease based en the stated utdoea, ea iorrd in The Well SUeet Jorunel, pw the margin ppreviously datlosed to you. These Ma will he affaNva en the first day of your NII mood cared 6y your pedyodc natemem endng c. If the code D (Primalry~Ff1-rtio. LIBOR) ortO ~3-mo. LIBOR Repriced Mm1NV) appease on the iron of your nasemem next to the pedodc rate(s), the pedodo rata and mrresportdutp ANNUAL PERCENTAGE ROTES may vary mentNy sod may increase or decrease based on the stated indcea, as found in The We!/ Streez Jauzal, plus the margn previously dsdoaed 20 you. These Mangea will be etfecdve en the first ley of your Nping period eats menth. 4. Assasamrt of Leta, Ovarprrii Y1d Raherlad Parynarit Fans. Your account will be aeaeaad m more than two of the tees listed here that ocmr during any tilling period. Under the terms of your customer agreemem, we reserve the right to slue or rot [o asaeae any fees withan p or m[iflmtim to you without waiving our right to assess the same or lmilar f t a later rime. 6.t'Itaraawktp You Aeeotnt. If s mamberaHp fee appears m the front ai this statement, you have 30 days from the date ttia statement wee mailed to yvu to avoid payirtp the fee or to have elldt tee credted to you ii you caned your amen[. Durirq Wa period, you may continue to use your accent without hevirtg to pay the membeshp fee. To motel your eceoum, you rata[ n dty wyyby calling our Cuataner Relations Department membemNp fcefj pdorato the end of she tNrtY~tlahy period. e. H You Cbaa Yar Aaaaurk. Vou can request to dose yYour amount by rolling air Customer peletloro Department. Vvu moat denroy your credit card(s) end e count acmes dlecka, cancel ell preernMrizetl tilling, and cease wirt4 your accent. If you do rot cancel preeuthorized tilling arrangements, we will consider recdd of a Uarge your auhorizetim to reoppen our ccoum. Additiorolly, your account will not be closed until you pay all amounts you owe us indudrtg: any trartaMOro you have atnhodzed, flranca charges, pest due fees, ovariimit fees, resumed Daymem fees, cash advance fees eM any other tees assessed to your acmum. You ere responsible for these amante whether they appear en your accoum at the time you request to close tta accaan or they are incurred aubaequent to your request to close the eceorm. TNa may result in charges appearing m your accent after you have your aaxtratt if k has already been dosed. For examde, if you autltorized a purchase from a merdarn erd we receive the treraecden from the merdam after your atxxaas has bean dosed, your accent will be reopened, the erases of the d,arge will be added to your accent, and you will be reageaiNe for payment. If there is e membership (ce for your arose[[, the fee will connate to ba t3arged, to the extas Permitted by law, trill Ure scrota[[ bo acre has been paid M frill as deflred above. 7. Uatp You Aootttau.Your cam or account incest be used kt rxtmeabn wkh any Internet gomNing trereaaloro. 8. Ntztim Abort ENaboNo Gtaok Coravaraisrr. When you proNde a dteck ea payment, you audnrize w rider to use infomtation from your dteck to make a om-rime dectroric find trerefer from yar bank acmtrrc or to promae the peymas ere a ruck treroectim. Wirers we we infomtation from yeu dteck to make en dnarertic find trerofer, ftnde may be widdrawn from your baNc etxxttm as soon es the same day we receive you payment, and you wig not receive yeu Mack beck from your flrorttlal irotinttien. BIWNG RIGHTS SUMMARY (In Caere Of Ertore Or Gueatlma Ahorn Vaur &IU If you thMk your NII la wrong, a ff you need more intonneden en s trareactim or NII, write to w en s separate sheet as Boon as possible at the address for irtgririea afawn en the frent of tNa statement. We moat hear Iran you ro later than rio days after we seen you the fire[ NII en whits rite error or problem appeared. Vou inn roll our Cunaner Rdadata number, but doirtq so will not preserve your ridrts. In your letter, give w the idlowirtp intormafiam your rams and accotm raanher, der ddlar emoum of the swpucted enar, a descripien of the enor and an expanatien, rf pwade, of wfiy you believe there is en error; or it you rteetl more Iniarmeden, a descriplen of the hem you are uaure about. Vou do rot have to pay any ameant In question while we are imeatigadrq It, bid you rill d>Ilgared to pay the porn of your NII Thal ere not `n gaesuen. WNIe we Investigate your queadon, we caratot sport you as dlirtr}tertt or take any action to cdlect the amount You queaden. 3,'r Spttlal Rile for Cradt Card Purchases If you have a Problem with the quality o1 Property or seMces that Wu purdmsed with a crept cord and you lave tried M good faith to certea the proNem with the merdant, you may lave the right rat to pay Ile remelting amount due en the pr rty or seMCea. Vou have Wa protecden Wy when the purchase price was mare than 850.00 and the purMsae was made in Your home stns or within 200 miles of your magirp address. 111 we own or aperote the merchant, or ii we mailed you tM edverdaement for the pr rty or seMcea, all purMases are covered regardesa of anaunl or localian of purchase.) Please remember to sign all correspondence. t Does oar apply to consumer non-credi! card eccouMs S Docs zaor eppty ro businoss zwncredir cezd accounts madm privacy prmac[ian: sea our ~e,com, reggtiered seMca mark of Ceptal All rigors reserved. 0 2003 _ _ O1LGL&4K 1. How To Avoid A Essence Charya. t a. tram Priori. Vw will have a mirimrm grace period of 25 days widtaa finance large en new purMases, new balance trerefare, new apedal purdreses and new other dargea if ye, peV your total 'Now Balance', in eccordortm with the Importem Notice for peymtxtta below, end in tune for it to be credted by your roxt statement dosing rime. There is ro grace periai en cosh advances end spcMJal trerefere. In addtbn, there is ro grace period on any treroacden if you tlo trot pay the total 'New balance." b. Aopuitp Firt>.toe Chrga. Treraaaivre wNM are rat sttbJrx:t to o gram period are asaeased flnartm dtarge 1) from der dare of the traitsactlon or 2) from the date tla treraectien is promasad to you Atx:otrtt or 31 from the fire[ mlerdar doY of the current Ngirtp nod. Adrlidaally, if you rid rot Pay the 'New Balance fnm the Drevlaa billing period in fW, firtatce Merges cendrate to accrue to your tstpaitl balance tntg rite urpeid balance is paid in fill. TNs mearo that you may atip owe finance Merges, even if You poY rite entire New Balance kxpcated en the from of your statement by tla mxt stetamani doairg date, but rid not tlo so for the prevlan montfi. UryaeW flrartm Merges am added to the ap~pppppmde aegmtrn of your AantsK. j'c. MlNnun FFanm tlurga, for each tilllrtg period that your aceoutt la sugact to a flrance large, a mlNmun soul RNANCE CHARGE of 40.60 will be Imparted. If [fa total Martin large reaulUrq from the epplimtbn of yyowu periaic rate(s) is lase then 50.50, we will atntraa [bast amain from the 40.50 miriimun end rite dfferertm will be tilled to the purdasa aept~ern of your accent. 'r d. Taporary RorLatian fn Finrraa Clarga. We reserve tfa fight to rot assess any or ell firortce Meryea fur any Qven N ling periai. 2. Avraga Daily BYanoo Isaprdstg New Nrdaaaal. a. Fnence charge is celaieted y mJtidyirp the tlaily balance of rots segment of your secant (e.g., ceah advance, purdase, spedal trerofer, and spell purdase) Dy the certespartdng daily pariodc rue(s) that tors bean prevbtdy dadased ro You. At the and of eats dey durinngg the aging period, we aptly the dopy periodc rata fo eats aegnent of your aceara to the daily balance of eels aeAttent. Than m the std of the Ntlmg period, we add tip tfte readts of ttase drily celalatlena to arrive m paritdic firartm Merye fir eats aepnatt. We add tp iha restlta from eats sapnem to arrive trt iha toiel pariadc firortce Merye for your arose[[. To {pt ifs daily balance for salt sagmas of your aceaatt, w+a take tfa bepiming balance for rots sagnent and add anyy trermcdaro end any ppeeriodc flrortce Merge celtxia[ed m the previow doy's balartm (or fiat se¢natt. We then wbtraa any pnymenta or credts poatod a of then day slat am allocated to that sepnen[. TNa gives w the sepereta dapV bdpaertm New Balarr~.e [shown m yaua¢artt.an sateen letttyln full) (orb if ywr mw blartm was zare or a crept amenU, row treroacUoro wNM pose to you purchase or spell purlreae sepnanis are rot added m [he dopy belertms. We mlcWate the average doily balance by addrtg ell the daily balartcea together and dvidrtp the sun by the camber of the Boys in the current Nping eyrie. To mlatate your total firaroe drerge, mJddY War average datV balance bV the daily pt+riodc rate end by rite ember of days in tfa Nlpng pedal. Dtte to rouufrg en e daily basis, dam may be a spgm variance henvaen tfts mlcJedm end the amen[ of firorce d,arge acnauy esae~a. b. It the code 2 or N appeeu an the from of Ws natemem rexi re'B~lance Ra[e Apdied To,' we mtJtldv the Irnportam Notlor. Paymema you meal to w will ba cradted to your accoutt ae of rite busirtesa day we remfve h, prvHdad (1) yw send the bottom potion of site tnatemam and your deck M the ertdased remittance envelope eM (2) your Payment le reclvetl In our proceaalnp cemer by 3 p.m. ET 112 [sari Pi). Please allow at least flue (5) business days for postl deflvery. Payments received by us at any other locahen or m any other farm may not bbee credted as of the leyy we receive them. Our bwinesa days are Marley thraa,ft Saturday, ezcludng ttopdays. Please do not wa stapes, paper di etc. vdtan preparing your paymem. When you sets ua a check(s), you audtorize w to make acne-time alectrortic trarafer debit from your bank accoart for the amain of the Mack TNa authorization apples to all Meeks reeaved durirp the Nllinp calla evert ii seen by someone else. If we cerstot proms the transfer, you authorize w to make a dtarpe agairtat your bank aaxnatt uairtp the deck a paper draft or other item. J ._ 02B T X v.::. And don't forget-you ear® ~ Its that easy! rewards on every TJX Visa purchase. • Earn 5% rewards on purchases made at T.J. Maxac, Marshalls, HomeGoods and A.J. Wright and earn additional rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J, Maxx, Marshalls, HomeGoods or A.J. Wright store location. T•J•fY1CD~( Marshalis. --- -- xvmeGoods A.J Wright 'Pkue src the Rm.Ms Pn, lecmr ynm znd Condisioiv in I otkr nr your ixigin. :aldiunnal diedouirc lencr for full denilc 028-1103 Cap1td V T PLATINUM VISA ACCOUNT JAN 10 - FEB 09, 2005 T J~ J 1 1 4934-2224-9066-8657 Page 1 of 1 Account Summary Rewards Summary- this summary reflects transactions posted during this billing cycle. Previous Balance E1,368.78 Previous Rewards Balance E3.93 Payments, Credits and Adjustments E200.00 TJX Rewazds 01/07-02/07 E.00 Transactions E29.00 Other Rewazds0l/07-02/07 E.00 Finance Charges E17.00 Rewards to be Issued E.00 New Balance ;1,214.78 Balance as of 02/07/05 E3.93 Minimum Amount Due E36.00 Payment Due Date March 09, 2005 Payments, Credits and Adputments Toro] Credit Line E1,200 1 12 JAN PAYMENT RECEIVED -THANK YOU E60.00- Total Available Credit E,00 2 24 JAN PAYMENT RECEIVED -THANK YOU 140.00- Credit Line for Cash #1,200 Available Credit for Cash E.00 Trensactions 3 10 JAN OVERLIMIT FEE E29.00 At your service To call Customu Relations or to repon a lost or stolen card "`Capital One proudly suppo«s the National Youth Anti-Drug Media Campaign. 1-877-534-6841 PARENTS. THE ANTI-DRUG. Stay Involved -Ask Questions. To get the FREE booklet, "Keeping Send payment: to: Send inquiries to: Your Kids Drug-Free," call 1-800-788-2800 or visit www.TheAntiDrug.com"` Attn: Remittan« Processing Capiul One Services Capital One Services P.O. Sox 85147 P.O. Box 85015 Richmond, V.42327G Richmond, VA 23285-50]5 Finance Charges Pleare fee revnx side for important information K sat sort Periodv coo, ~aa~a8 ~V~l~ e ~ylirdto raf PR Ax tO PURCHASES f327.16 .0000096 .0096 E.00 CASH E946.03 .0579596D 21.7596 317.00 ANNUAL PERCENTAGE RATE applied this period 15.7296 • PLEASE RETURN PORTION BELOW WITH PAYMENT Captra 0000000 0 4934222490668657 09 1214780140000036006 New Balance 51.214.78 Minimum Amount Due E36.00 Payment Due Date Mazch 09, 2005 Total enclosed E Account Number: 49342224-9066-5657 Capital One Bank P.O. Box 85147 ~t~t~t~~un~~n~n~t~ Richmond, VA 23276 ~u~t~n~~ut~t~~n9~t~~u~~nt~~nt~~nun~~t~n~~ut~~u~t~ Mrarrprint mailingaddrrrra~ r-moifrAuxgrr br( ssringb! orb/ark iuk. Strat Apc J Ciry Sou ZiP Home Phone Alumak Phon< ~ #9004171589949292# MAIL ID NUMBER ~ EMILY E STUM n o 1329 DOUBLING GAP RD ~ NEWVILLE PA 17241-9758 ~ ~_ ° ~ ~ut~~~ut~n~f~t~u~ut~~~t~u~ut~t~t~t~n~nt~t~~t~ut~t~t~ r Pleafe write your acrounf number on you rhuk or moray order made payable to Captlal One Bank and mail in the ersrlared emuelope. O N k~ ~ a~ O t0 N ppeeriodc rate. To obtain Ne average daily belartce for the billirq Period covered hV tNa statement, we take the begmmg balance of eaH sapnem each day, add any new traruacfiare to cetlt sepneM, and xlrtrect any payartems n credta. (li the code N appears on the herd o this statement ron 20 'Balance Rate Applied To; vas also st6trem any trpaid firertce purge irtauded bt the balance of each ggmm t.l This gives re the daily balance of each segnent~Tlwn~ we add up ell the dallyy balances for each segment tar the blllirg pedal and dNde by the teal raanber of days In the blllirq period. TNS gvea us the averaggee daily balance of eaH segment. 3. AmuW Peroedage Ratan IAf+R6 a. The term 'Annual Percentage Rata' may appear as 'APR' m dw iroM of iNa amtemeM. b. If the code P IPdmeh L 13-mo. LIBOR), C (Certificate of DepodU, or S IBenkcard Prime) appears on the from of this suttmrnt next to the periodic rate(s), the periodc rates and certeaportdrtg ANNUAL PERCENTAGE RATFS may vary quenetly and may iroreax or decreex based m the stated indoes, as fotrW in The Wed Street Jorutul, due the margn ppreviotuly dsdoxd to you. These changes wig be e«ectlve an the flm day of your blllktg period covered by blur periodc tnetemrnt rndrtg in the moniM January, April, Jrly nd October. c. If the code D (Prime), F (1-mo. LIBOR) or O (3-mo. LIBOR Repriced MrxrWy) appears an the from of your natnnem next to the periodic rate(s), rite periodc rates and conespordirq ANNUAL PERCENTAGE RATES may vary montNy a may iroreax or decrease based on the stated indcea, ea torrid in The Wel/ Street ./Dome!, plus the margn preNously dscloeed to you. These changes will he effediva on the fim daY of your hilliry period eaH momh. 4. Assmrttrd of Late, gverfirlit and Rehsntl Paymed Fans. Your account will be aeaeaxd ro more thin two of the Feea Inked here thm occur during any blllirp penotl. Under the terms of your customer agreement, we reserve the right to waive or cwt to assess any fees Wthoul pdo~ rotiflcatian to you without walling our fight to sasses the same or similar fees at a later time. 6.tRanwvitg You Aooaad. If a memlterahip fee appears on the front of this statement, you have 30 days from the date tNa statement was mailed to you to avoid paying the fee or to have stash fee credted to you it you cencd your accam. During tNa period, you may contima to trx your accent without having to pay the e bewhiD fce. To cencd your accent, you moat notify us by calling our Customer Reladona Department end pay your 'New Balance' in iWl lexdudrg the memberefdp fee) prior to the end of the tNrty-0ey period. e. If You Cbse You Aeoanl. You can request to dose yy account by calling our Customer Relations Depenmrnt. Vou must destroy your credit cerdfs) end octant access checks, cancel all preauthorized tilling, end cease usirrQ your account. If you da not cancel preeutfgrized bllirg errargements, we will consider recdpt of a charge your arnhodzatim to reopen your accerrm. Additionally, your eceant will cwt be closed until you paV ell amounts you owe ua iroluding: any irareautiore you have aNhorizad, finance tlurgea, past due fees, ovedimit fees, returned payment tees, cash advance fees ant any other fees assessed to your ecorm. You are reapanaible for rheas amaana whether they appear on your accorun et itte time you request to close the eccatnt or they are Incurred subxquem to y«,r regaeat to Gox the ecearn. TNs may result In cMrgea appearing m your account shat yw have your accent if h has already beer[ dosed. For exemde, if you arrtfwrized a purchase from a merdwnt end we racdve rite trertaectlan from the merdwnt after your fY:Olnt hag bear) aoaed, yeti BCCant wgl h0 reoPartnl, the emoud of the [large will be added to yow aceartt, artd you wig be reapontible for peymrxd. If tlwre is a momberehiD fee for your atxbrstt, the tee will oontirwre to ba ate , to the extent pemtitted by law, nail the assn[ ba ante has bent paid M full ae deflrted above. 7. Uaig Ytru Aoaoud.You card w accent cemot be reed kt cerrrectbn vvlUt any ktterrwt gambling trereactlore. 8. Nrdfw Ahat FJeatiordo Clteok Carrvermn. When you provide a dtxk as payment, yrw arNwrize us dtMr to use infommation from you dteck to make acre-time deMrWc hrd trerefer from you bank accent or to process the peymtutt as a dwek treuactim. When we ux information from you tlteck to make an dectroric frnd trerefer, frMS maV I>e withdrewn from yrxu bank accent as soon ea tla same ley we receive your peyrnrtrd, and you will not receive your tlwck beck from yeti Taurtciai 7redMlOrt. BILLING RIGHTS SUMMARY Iln Case Of Ermre Or Queatlare Abotn Vour ellp If you tNnk yna NII is wrong, or ii you need more iniormallm one «ereadim or bill, write to ua rn a xperate sheet as anon as possible at the address for 'nquiriea shown rn lfw from of tNa atetnnrnt. We mtxrt hear from you ro later than 80 dayysa after we roan[ you the first big rn wNH the error or prabinn appeared. You ten call our Contemn Rdadare cumber, htn doing x will not precerve your dgtta. In your letter, qve ru the fdlovArtg intormarirn: your reme and eceard ntmher, the ddlar amount of the suspected enor, a deacriptim of the enor and an e~lanatirn, ii poaeible, of why you believe there is an emar; or If Yott rteetl more Iniortnatbn, a dexdptim of the hem you ere utaure ebrxd. Yw do net have i0 pay any emrtrm In question witlle we am Investigating It, bras yw re still obligated t0 pay the pans of your WI llwl are n0l in queatim. WNIe we Invesrigste yeur grwatlon, we cerrwt report Vrn as delinquent ar take any scrim to collect the amount you queadrn. i,t Spedal Rrie For Crept Card Purchases It ynu have a problem with the quality of property or xMcea that you purdwsed wilt a crept cant and you have tried In good faith to correct the problem vAth the merchant, you may have the right not to pay the remafrrng amount due rn tfw property or seMCes. Vau have fife protecdon oNy when the purdux price was more than 350.00 and the purdux wee made in your fame state or witNn 700 miles of your mdlirq address. 11f vae own or Opefate life MCrdwM, Or if the mailed yW fife advertlaemrnt for the pr ny or xMcea, all purauaea ore covered regardless of amount or location of purdtese.) Please rnnnnber to dgn all correspondence. t Does not apply to consumer roast ~ card accounts S Does rat app/y to business roncredit cent eccaunts One atppona informadon privacy protection: xe our ~ at www.captaloro.com. One is a federally registered service mark of Capital Ona T a. trace Period. you will have a mirimun grace period of 25 days al[[[oof firerxre charge rn new pruawses, new balertce tmrefere, new spacial punfltoses and row other atarges if you pay your total 'New Balance', in accordance whh the Imponem Notice Pot paymrms below, end in time for it to ba credited by your row statement dosirq date. them is ro gmce period m cash edvervwe end alwtlal trarefere, In addtlm, there la ro grace period m any trertsaction if you do rot pay the total 'New balance.' b. AozrWrq Fitewe Charge. Trareactlare wfikh are rot subject m a gmce period em aasasaed flrortce charge 1) fran fife date of the trartvedm n 21 from rite date the trereaction is processed ro yar Accernt or 3) from the first ralertder deV of ifw arrreM billing ppeedal. Adddaully, 'f you rid rot peV tiw 'New Balance' front the Previore billing period in fWl, firertce Urerges rmtirxre to accrue to your lY1POld 6alarwe tntll the utpaid babrtre 19 paid In (cll. TNs meare that you may adg owe fneroe surges, evm if Vou pay the ntdre New Balance indicated on the fraM of your sretemard by the row s[a[arrtntt dosing date, but did cwt do so for the previam month. Uryuld flruroe dtarpes are added m the eppppYfiCable s gnam of yore Accent. tc. MiNrrasn Finance (riega. For each biling period that your accent is srgtst ro a htetce durye, a mlNmun teal RWaNCE (7iARGE of J0.60 wig be impmed. If the total flrertce tlurye remitlrg fmn the applcetlon of your pedafic rete(s) is lass than }0.50, we will subtract that amotnt fran the &0.50 mWmun and the dffererwe wig be Nlled to tfa purdax eM of ynu eawtatt. t d dqt~ nryo[ assex anb~„fire~cheryes for any given billing period 2. Avrage Daily Balrwe IbteludFg Naw Prahasaal. a. Rreroe charge is celaiatad y multidying the daily bslartce of eaH sagntud of you accare (e.g., cash dvartce, prrdteae, apedN trerefer, end spade! purduse) by tfw cerreapartdrtg dally periodc rete(s) that has been prevlorsly dsdosed m you. At the end of east de during ire Nlnng period, wre apdy tla daW pedrxlc rere ~Or sad, segnent of your eccarx ro the daily bdartce of each seQrtrnt. Then e[ the end of the Nllrrg period, vve add tp the resits of tfwse daily raltaiedats to arrive m r periodc flrunce Uterpe for eaH sagnrm. We add tp tfw rasrita from seat segment to emus at the tad pedodc fimrtce aurpe for you accarr. To get dw daily belaroe for eaH aegnent of your arxxtum, we take rite begkvirg balance for east segnlxu and add any new trereacdore and anY periodc firertce tlwrye cel atad rn the previara days balance for that eCgnelt. We Urert eri![reM any payments or credts Posted ea of tlwt day t)ut ere allocated to that xgnatt. TNa fives ra the separate daily balance for eaH aegnent of your accoua. However, If you peltl tM Naw Belartce shown on your preWan smtemem h full (or if your raw balance was zero or a credit amen[), raw trereaaiare which post to you prudteae or spell cWOlaieste th~a~re a da'l~l balance[ bthe~ ly balances. We balances togetlwr eM 6 3rg the sum by die alrsnt6eo fy fire ~ Ute aurent bigirtg cycle. To ralaiem your [sal rye, mrsddy your average daily babroe by the daily periodc rate end by the nether of days in the Nlgng period. Dire ro rerrulilg on a daily basis, [hare may be a aggx veriertce 6etwant this celrxiatlon and the amornt of Rrortce awrge ecnufly aaxased. b. If the code 2 or N appears on the front of tlYs aiatemem ream 'edartce Rate Apdied To,' we mJtidv the Imported NtWoe: Payments you mail to ua trill be creditetl to your accetnt as at the budross day we receiee h, proNded I1) yw send the bottom ponirn of Wa tnatemeM antl your stack in the endowed remlttaroe rnvdcpe arttl l2) your peymem is recdved In our Procesairq center by 3 p.m. ET (12 croon PT). Please albw et least flue (5) business days for postal ddivery. Payments recdved by ua at any other locaurn or m any other form may net be credted as of rite de wa recdve them. Our bttairuas days are Monday tluough Saturday, exdudrp hdidaye. Please do twl use stapes paper dips etc. when preparing your pa ant. When you send ue a Heckle), you authorize ue to make acne-vme dedroric trarofor tlebit from your bank accorm for the amaan o~ the check ~TNa authorization sprites to all checks recetvad tludrg the billing eyrie even it sent by twmecna rise. It we canrwt process the tmretar, you authorize us to make a charge againn your bank accarrt using the lack, a paper draft or other item, 596720 Let Capital One show you the way home. Buying your first home can be an exciting but complicated process. That's why we make it easier and more affordable than ever before. Just call 1-866-896-9596 and speak with one of our loan officers. Or, visit www.capitalonemortgage.com for helpful information and great tips. You can even apply online! With Capital One's low rates and no-hassle service, home is closer than you think. FEB 10 - MAR 09, 2005 Page 1 of 1 Your Reservation Number: 6403 036 1 65 8880 L=..1 IEIIDEN Caplta~' V PLATINUM VISA ACCOUNT T T J~ 4934-2224-9066-8657 Account S J 1 1 Previous Balance 41,214.78 Payments, Credits and Adjustments 436.00 Transactions 4.00 Finance Charges (15.32 New Balance 41,194.10 Minimum Amount Due E35.00 Payment Due Date April 09, 2005 Total Credit Line 41,200 Total Available Credit E5.90 Credit Line for Cash 41,200 Available Credit for Cash 55.90 At your service To call Customer Relatiom or to report a lost or stolen cud: 1-877-534-6841 Send payments to: Swd inquiries to: Attn: Remittance Processing Capital One Services Capital One Services P.O. Box &5147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Acmunt Information Please review the important information enclosed with your statement and keep a copy for your records. Rewatds Summary- this summary reflects transactions posted durin¢ this billin¢ cycle Previous Rewazds Balance 43.93 TJX Rewazds 02/08-03/07 4.00 Other Rewards 02/08-03/07 E.00 Rewazds to be Issued 4,00 Balance as of 03/07/05 53.93 Payments, Credits and Adjustments 1 03 MAR PAYMENT RECEIVED -THANK YOU 536.00- Enjoy great value without the hassles. Call about a Capital One mortgage today! Mon-Fri 8 a.m.-9 p.m. ET Sat 8 a.m.-5 p.m. ET or apply online at www.capitalonemortgage.com Finance Charges Please ree r eunre ridef%important information ~ Balmscr Tarr Penodv C rpm[dmg ~/,~i~ 5~ ppfirdro raf APR H1C ~b PURCHASES 5280.04 .00000% .00% f.00 CASH 5933.14 .05863%D 21.4096 315.32 ANNUAL PERCENTAGE RATE applied this period 16.4696 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~~ 0000000 0 4934222490668657 09 1194100036000035009 New Balance 41,194.10 Minimum Amount Due ;35.00 Payment Due Date Apri109, 2005 Total enclosed S Account Number: 49342224-9066-8657 Capital One Bank P.O. Box 85147 lutlllltultlul[~u~ Richmond, VA 23276 I[tltLtllt[tLlL.dtlLdLtdlttJlttmtl ldttllntllttltl Pleare write yoro account number on yott P/rarrj..ixt mar/ingaddrsra~ r-moild~ursgrs be! mixgbtvr orb/ark ix.E Sleet Apc M C'ty Ssre ZIP Home PMne Al[esaaa Plwae ~ #9006971589949293# MAIL ID NUMBER ~ EMILY E STUM 1329 DOUBLING GAP RD °o ~ NEWVILLE PA 17241-9758 ° ~ Itallltttl[tLLIt[I[tdlltlttltnLLldtdtnLlltLnltltl Bieck or rroney order made payable to Capital One Bank and mail in the rnclaed envelope. r This is not a commitment to kud. The loan offered here is a product of Capital One, F.S.B. © 2005 f;apinl One Services, inc. Capinl One is a federally registered service mark NI rigiln reserved. itTibsR 'r e. (iaoa Priori. Vou will have a mirtimun grece period of 25 days widen Rreroe charge on new Wrcheses, rew balance trerenn, row special purtlases and new other daq)es if you pay yaw reel 'New Bolartce', in aoeomartce with the Important Notice for peymema below, rid in rime for h n be created by your note stotemrau dosing Ban. Them is ro grece period m cash advances and spedal traafers. In adddm, them is ro grace period m any trareacrim if you do rot pay tla total 'New balance.' b. Aoonig Fkt>,aa Gtarga. Treraactlare wNdt are rot abject ro a grace PeMd em asaeased Rrertce Barge 1) from are date of the traraactlon or 2} from ate date ate tranactim is Drocessed to your Accent or 3) from the first calendar Bey of da arrrrnt billirq ppeeriod. Addrdorelly, if you rid rot pay the 'flaw Belartce' fratrt the prevfan bilYrtg period in hit, firertce drargea continue to accrue to your ratpaid bderrce oral the upaid balance is paid in (WI. TNa meere that you mayy sdY owe finance dangea, even if you peV ate snare New Belertce indceted an the frarc of your statement by die retd statement dosing date, but dtl not tb so for the prevlan manM. Unpeld flrertce dargas re atlrle0 m the appppYY Ne a:gnem of your Atxnutt. te. lMtirresn Flnrtse Chrya. Far each Nllirp period that your eceant la abir,ct ro a M1tatce drerge, a mlNmun total FINANCE CHARGE of 80.60 will ba hnpoeed. If tla total flrurce durye resrldrq tram the indon of yyoauu pedodc ate(s) is leas than 80.50, we will abtraet thetr amain from the 80.50 miNmun and the dfference will be billed to the purdaae ant of yaw aceant. td ri~ totarot assess any~~flren~ce tl~iergesrfor ~ ~ V given biliirtp period 2. Avrage Daily edemas IY+oAaNrtY Naw Putlasnl. e. Hrence charge ie calalated y mrltidying the daily balance of esdt aegnem of your accaatt (e.g., cesh advance, purdaae, spedal trarefar, and apedd purtiase} by the certespaxing daily periorc rate(s) the[ rea been pmviardy dsdosetl [o you. At [he end of each dsy annng ate alnrq pano~, we aptly tfa degy periodc rate for each seQrten[ of your accent [o me ddlr bslance of eaM sagntent. Then m the end of Ua Nlutg period, we add rq tfa ream of [rase daily celaladoro to arrive m r periodc firertce dterye kzr eatlt aepnax. We earl tp tfte realm from eadt segnam to artive n tiro total periodc firertce darpe for you aceaax. To got the daily balance for earb eagnam of your atxant, we eke the bagimirq balance for oath aegnent era add any revv treraactiore and any ppee ode firerrce large calcnated on tfa previous day's bolnroe for tfat aegnatt. We Mart srbtrect any pe ~? n or craYn posted es of that Bey rfat are allocated segment. TNe given us the sapare[e deny bdartce ffi~r ~Ba a~ atdrovvn ~ r attain. However, If youpe id the you pmNou stetemam in fill (or if yaw now balance was zero or s treat amouu), new trareectian vNtitdt post to your purdreae or spedd purchase sepnenn are rot added to tfa daily bdartces. We calcnne tfa average daily balance by addrq ell rite daily banrrcea together era dvidrtg Ute astt by the aanber of [he deya in tla wirers biting eyrie. To calaleta your rota firers amigo, milady Your average deny balance by tfte daily pa'ode rete end by the ember of days in Me billing period. Due to routdrg on a daily basis, there maV be a sngm veriartce between Ws calcnadon and are amasx of finance dtorpo aca,eny assessed. b. If the ode Z or N appears on Me irmt of Ws statement rent m'Belertce Rata Apd{od To; we mutldy rfa I O rn F i ~~ ¢ o ~ ppeeriodc rate. To obtain the average daily 6elarce tar the higirtg period covered by 1Na antement, we eke the beglmng 6alerrCe of each segment each day, add any new treraacilore to eadr aegrleM, and abtmct any paymarta or treats. (If the coda N appears m the tram of tNs natemerrt rext to 'Balance Rate Apdied To,' we also aisrem any upeid firerrce Barge irrtluded in the balance of each segment.) TNa gives w the daily balertce of each segmem. TTten we add up all the logyy 6slancea for each segnem for the NIIIng period and dvide by the taint number of days In the Nlling period. This glues ra the avers daily balance of each aegrrent. 3. Areaml f~oantga Rates IAfKt4 a. The tens 'Amuel Percentage Rate' may appear as 'APR" on tla front of Wa atetemem. b. If the code P (Prime), L 13-mo. LI00R), C ICertificete of Deposit), or S IBenkcerd Prime) appears an the Frain of this natemart rext to the periodic rate(s), Nta periodc rates ant ooneapondrq ANNUAL PERCEFffAOE RATFS may vary quenedy and may irorease or deaeaae based m the stated irtdces, ea fond in The Wall Stree7 Journal, Bus [fie margin ppreviaucey disdase0 to you. These Urangea wiN be affectlve on are first day of your Nllirg period covered by your periadc statement endng in the monlha Jearary, Agil, JWyy ant October. c. Ii Me code D (Prime), F (t-mo. LIBOR) or G (3-mo. LIBOR Repriced MmtNy) eppeen on the fian of your alatemeM next to the pedodc rate(s), the pedodc rates and conespondnp ANNUAL PERCENTAGE RATES may vary marlNy ant may increase or decrease based on the orated Indcea, as fount in The WeU Street Joumel, din the margin preNorrely dsdosed to you. These darrges will Da effecilve on the flint day of your billing periatl each march. 4. Asaaunsanz M Lazar OvsrfirtY aria RsWrud Paymarat Fsaa. Your account will be assessed re mom then [wa of the fees listed bare that ocwr during any billing period. Under the terms of your cuataner agreement, we reserve the right to waive or not to assess any fees witfaul prior rotlficedon to you without weiNng our right to assess the same or cemiler fees at a later time. 6.tRsrrwarg Yarn AaaaurL If a memf»rsHp fee eppaera on the front of 1Na statement, you have 30 days from the data tNa statement was mailed to you to avdd paying the fee or to have ouch tee created to you if you cancel your account. During this Deriod, you may continue to use your eccourt withom hoeing [o pay the membership fee. To cancel your aceam, you must notify us by cellirq our Customer Relations Department and pay yyour 'New Retrace' in FWI lettcludng the membenNp ne) prior to the eM of the tinny-day period. 8. If Yau l7osa You Aaaaus. You can request to dose y r rtment.tYat mlungdeauouataner Relauere Dope y your treat card(s) end t access docks, caned all preauMdzed billing, end cease ucenP your accent. If you do not caned preamhorized dllirq arrengemen[a, we will conceder receipt of a Barge your authodzadan to reopen your accorrn. Additionally, your eceam will not be closed until you pay all amounts you owe ua iroludirg: any kareadiore you have autMrized, finance charges, past d fees, overiimit fees, rewmed payment fees, cash advance fees ant any dher fees asaeased to you accent. you are resporaide for these amorma whether they appear on your accrxatt at the time you request to close the secant or they are Incurred attbaequent to y ur rogues[ to done the account. TNa may exult in charges appeanrtg on Vour account enor Vw lave motion privacy protection: sea our ie.com. raglstar~d eaMce mark of Cadtal All rigMa reserved. 0 2003 01LGLBAK your ocean[ it h ftu already been dined. For example, if you era)arized a purdaae from a rrenflam and we receive the trereacdm from the merdam aker your arrant has beer[ dosed, you octant will be reopened, tfa amour[ of the drerge will ce added to your acerxatt, and you will be reaparrceda for paymem. If them is a membership foe for your atx:otatt, the fee will certdraze to be Ute , [o the etr[em pamined by law, until the octant be ante hex bean geld in fill as deflred above. 7. Uig You Aoaorad.Vour card or account carrrre be used in carvta:rlan with arty irnerrat gandlrtg trsreacdan. 8. k6tioa AbdY FJaeitrarlo Gtaak tbrtvrabn. Wham you proNde a clack as payrrrrtm, you eudarize us eh)ar to rm Information from yore Brack to make a one-time electroric find trerefer frertr yar bank erxautt or to process the paymam as a Brack trereaction. When we use information trait[ Vor+ tlack to make en dectrorlc fund trerefar, fads may be withdrawn from your bank octant ae aatn ea the same day we receive you payment, and yw wig rot receive your tlack beck ken yore firertdal Iretituim. RIWNG RIGHTS SUMMARY Ile Case Of Errors Or Oueetlen Abort Veur Bilq If you iNnk your bill la vorartg, or If you need mom Iniamailan m a trereectlan or NII, wine to us an a separate cheat as soon ea prtacede at the eddreas for 'nµiriea afawn m the from of Wa nnemem. We mint hear Fran you ro later than 80 daVa after we earn you the first big m which the error or problem appeared. Vau can cell our Customer Rdedare amber, but doirq so will not preeerve your riyrn. In your taker, giwe ro the idlovting informadm: your name and accoum rxmbar, the ddnr smarm of the artspected error, a deacripilan of the enor and en etglereum, if posaide, of whyy You believe there is an error; or If you reed more infomatim, a description of the hem you are uaure eban. Vau do not have to pay any amount In queatlan wMe we ere inveatlgailng k, but you are ailg abllgered to pay the patts of your blil that are rot fn queallon. WNIe we Inveatlgeto your question, we carrot epon y'au as ddlnquern or take any action to cdlect the amount you question. t, f Spacial Brie For Credt Card Purchases If you have a probem with the quality of property or ceMces that you purchased vdtFr a treat card and ya, have tiled In good iahh to correct the probem with the merdtent, you met taus the right rat to pay the remaWng amount due on the PropanV or aeMcea. Vou have iNs protecton oNy when the purchase pace was more than 860.00 ant the Wrdase was made in your bane ante or within 100 miles of your mailing address. Ilf we own or operate the merchant, or if we mailed yeu the advertisement for the pro rry or seMces, an purdaaea e covered regardeas afpemorm a loceilm of purclaae.) Please remember to sign all cerreaponderoe. 1' floes rat eppty to oorurzmerrion-credit card eccounis S lbes rot epp/y to business ran-uedU cent accounts Irrpatarrt Notlos: Paymema you mall to us wgl be cmdhed to your aceoutt as o1 the budreea Bey we receive h, proNtlaO I1) tau send the bokam poman of Ws natemam and your dreck in Me enclosed remittance envelope and (2) your payment is received In our procesdnp cemer by 3 p.m. ET (12 moon Pi). Please allow at least five (5) budnaaa days for panel ddlvery. Paymems received by ua at any other location or rn any otter forte may not be created as of the de we receive dam. Our brninese days are Monday Mrough Saturday, exdudng falidays. Please do not use stadea, paper dips etc. yvlan preparing your payment. When yw send ce a check(s), you autfarize ue to make a~ta-time dectroric trsnafer tlabit from your 6enk accorsn for the amrtum of the check TNa auMdzation apdtea to ag cfacka recaved during the billing eyrie even ii sent by sameaa rise. If wa carrot process Ma trarefer, you arrtharize us to make a charge against your bank accent uang tta cfacK a paper disk a other Item. 596743 Let Capital One show you the way home. Buying your first home can be an exciting but complicated process. That's why we make it easier and more affordable than ever before. Just call 1-866-896-9596 and speak with one of our loan officers. Or, visit www.capitalonemortgage.com for helpful information and great tips. You can even apply online! With Capital One's low rates and no-hassle service, home is closer than you think. Enjoy great value without the hassles. Call about a Capital One mortgage today! Mon-Fri 8 a.m.-9 p.m. ET Sat 8 a.m.-5 p.m. ET or apply online at www.capitalonemortgage.com 1.=.1 Your Reservation Number: 6712 056 181 9142 LENDER EWat H0119Na IENOFA ~~ TJx Account Summary PLATINUM VISA ACCOUNT 4934-2224-9066-8657 MAR 10 - APR 09, 2005 Page 1 of 1 Previous Balance 51,194.10 Payments, Credits and Adjustments 540.00 Transactions 5.00 Finance Charges E17.02 New Balance ;1,171.12 Minimum Amovnt Due E35.00 Payment Due Date May 09, 2005 Total Credit Line 51,200 Total Available Credit 528.88 Credit Line for Cash ;1,200 Available Credit for Cash 528.88 At yotu service To call Customu Relation or to report a lost or Holm ord: 1-877-5346841 Send paymmd to: S®d inquiria to: .Attn: Ranittance Pro<rssing Capital One Bank Capital OneSwiees P.O. Box 790216 P.O. Box 85015 St. Louis, MO 63179-0216 Richmond, VA 27285-50]5 Rewards Summary- this summary reflects transactions vosted during this billing cycle Previous Rewazds Balance 53.93 TJX Rewazds 03/08-04/06 5.00 Other Rewards 03/08-04/06 5.00 Rewazds to be Issued 5.00 Balance as of 04/06/05 53.93 Payments, Credits and Adjustments 1 31 MAR PAYMENT RECEIVED -THANK YOU 540.00- Pittance Charges Ptearc Ju tavern tidefm important in,formation m Balanrr raft Periodic C spondmg ~~CE ' cppliedfo raft APR ~ E 1° PURCHASES 5263.83 .00000% .00% 5.00 CASH 5925.60 .05932%D 21.65% 317.02 ANNUM. PERCENTAGE RATE applied this period 16.8596 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~A~ 0000000 0 4934222490668657 09 1171120040000035008 1N anprirct mailing addrna~ e-maSlrba,xgrr br! rrringb! orb/ark ixk New Balance E1,171.12 Minimum Amount Due ;35.00 Saen npc s Payment Due Date May 09, 2005 Ciry Sn~e ZIP Tonal enclosed S Home Pho~ Alamak Phone Account Number: 4934-2224-9066-8657 rv Capital One Bank P.O. Box 790216 In~llu~llnltll~ln~ St. Louis, MO 63179-0216 IdluullnnlllmlldullumlJudlJlnudldlulnlJ Pleare vuriteyour aaaunt number on you #9010071589949296# MAIL ID NUMBER .~ EMILY E STUM v+ ~ 1329 DOUBLING GAP RD ~ ~ NEWVILLE PA 17241-9758 ~ ~_ ° ~ ImlllnJulJJuluJlldnlmltltltlnlml~llilu~l~l~l check m money miler madepayable to Capita! OneBankand mail in the erulared rnvelope. Thu u not a commitment to lend. The loan uffctcd here is a produtt of Cxpital Onq F.S.B. (~ 2005 Capital One Scrvicta, inc. Capital One u a federally registwed service mazk. All rights rucn~ed. O N ~~ z o ~ ~+ ppeedodc rate. To obtain the average daily balance for the billirq period covered by 1Ma statement, we take the begimrrg balance of each segmatt each day, add any new ilalt88etlore IO 8ach sapn~eni, eM 916[rad any paymem9 or credts. 111 the code N appears an the ban of tNs natemem next to 'Balance Rate Appied To,' vex also atblred any trpeid firortce large irttluded in the belarae of each eagerant.) TNa gives tm the daily bakrxx of each segnent. Thm we add up all the daYyy helanoea for each segmem for the Hllirtg period and dNde by the total number of days in the filling period. 7Na glues us the average daily balance of each se(#ttem. 3. Arerwl Peraertage Rates IARtI. a. The term 'Amuel Percemage Rate" may appear as APR' on the front of this statement. b. It the code P IPdme), L 13-mo. LIBOR), C (Certificate of Depoah), w S (Bankcard Prime) appears ort the from of thin netematt rex[ to the pedodc rate(s), the pedodc rates end conespondrtg ANNUAL PERCEMAGE RATES may very gtanedy and may increase or decrease based m the stnetl ktdces, as iatrd 'ut Tha WeU Sneer Jaune), pw the margin previatrsly dstloaed to you. These dargea wfY be eifecllve m the first day of your 61Y~ momha Jana DY Your pedyyodc statement erring c. If the code D IPdme~F~mo.dLIBOR) ort0 13-mo. LIBOR Repriced MmtNy) eppcers m the fran of yaw natemem nee to the pedadc rate(s), the pedodc rates and cerrespordirtp ANNUAL PERCENTAGE RATES may vary momNy and may increase or decrease based ort the stated irtdcea, as found in The Wel/ Street Joumel, pus the margin preNatsly dacloned to you. Thex dartgee wYl be effecfiw en tla first deY of your billing period eats mmth. 4. Astesanwit of 4te, OverfiNt and Raorned Paynarit Feoa. Vour steam will be eeaesaed ro more then two of the fees listed here flat occur during any Nlllrtg pedal. Under the terms of your custanar egreemem, we reserve the dgM to slue or not to asseae any fees vAthan prior rollflcellat to y~without waiting our right to assess the same or elmilar ff t a later Ume. S.tRertewktg Your Aoeark. If a membenHp fee appears on the front of this latamem, you have 30 days iron the date tNa netement was mailed to you to avoid paying the tee or to have atxli fee credted to you it you cancel your accoum. Dudttg this period, you may cattinue to use your account withom hevirtg to pay the membership fee. To cancel your account, you must roUfy usyyby cellirq our Cunomer Relations Department memheiaNp fce~Pdo ato the and of (tie tNny~-ley period. 8. H You Cbse You Aoaoum. You can request to dose yy account by cell(ng our Culaner Relatlaa Department. Vou must delroy your credit cerdls] and account access dacha, cancel all preauthodzed filling, and cease uairt0 your account. If you do rat cancel preauthodzed dllirq errartgementa, we will crosider recdp of a large your arhladzetion to reoppen our eccetm. Additiaally, your acctam will rat be dosed until you pay all amounts you owe us irduding: any irareediore you have authodzad, finance dargea, pest due fees, owdimit fees, returned payment tees, cash advance fees and any other tees assessed to your secant. You are reapar~de for these emama whether they appear on your account at the time you raquen to close the accoum ar they ere Incurred aubaequent to yhargeageppeedng on y uraccount t abet you lawt In your accetrtt if h has already been dosed. for exempe, if you etrlfadzed a purchase fran a merchant and we reedw the troreadim frem the merdtem after you arxant has been tlosad, ytttr arxartt will be reepertetl, the amoum of tfa tltarge will be added to your [recant, and you will ba reapavsMe for peymeru. If them is a membership foe for your aces„[, tla fee will certtkxae to be Merged, to the ea¢ent pemtitted by law, utUl the steam balarae bee been pall fn fJl a9 dented above. 7. llairg Parr Aoooum.Vour card or accent cemot be used in corsactbn with any breast gemding treraacUore. 8. Notbe Abet FYeaborio Gteok Cortverdon. What you proNde a dteck es peymem, you solarize ua dther to use infomadm hoot yar dteck to make Bore-time dectroric hard trerefer from ytwr bank arxwx or to process the payment as a Mack traaection. Whert we use information from yar dock m make en ekctroric fund trereter, fords may ba whfdrawn fran your berth 8CCa111I 89 BOat a8 rile game day WB IaCeiVe your payment, and you wiY rot raceiw your Mack back from your firendel iredtutian. BILLING RIGHTS SUMMARY (In Casa Of Errors Or Oueatlaa Abarn Vaur Bilq If you tNnk your 6111 la wrong, or If you reed more infomatlm on B trareadim or bYl, wire to ua m a separate ante[ as soon as possiNe at the addma for inrFidea shown on the from of the nnemem. We moat hear tram you ro later than 80 de sitar we arm you the first dY an wfiiM the error w problem appeared. Vw can call our Cwlomer Rdatlwa number, Du[ delrlQ ao will rat preserve your dgltta. In your letter, yw w the idlowirq information: your name ant accent rxmber, the ddlar Door of the suspected error, a desenptim of the error and en e>~laretion, it possitle, at why ya, bdiew there is an error; or It you need more Infomatim, a dexdptim o1 the Item you are ureura shoo. Vw do rat have to pay any amram in queatim vfige ws ore Inw.sUgeUng h, htrt you are atlll dilgated to pay the (arts of your rill that are rat in queatlan. WNIe we inveetlgate year gtrrstlon, we tartar report Vou as ddinquem or take any slim to cdlcet the amont you questlon. i,t Spadal Fhle For Credt Card Purdasea If You hew a probem with the quality of property or seMcea that you purchased vvhh a credt card and y«, hew tried in good faith to coned the problem with the merdant, you may Few the Ugm rot to pay the ranaiNng mount due on tla property a aeMcea. Vou haw tNa prdecUan ody when the purlux price was more than 850.00 and the purMaea was made in your fame state or wftNn 100 miles of your mailing address. Ilf we own or aperote the merchant, or ii voe mailed you the adwniaement for the propenY or seMces, all purhsases ere covered regardeas of amount or location of purchase.) Reese remember to sign all certeaporidence. 1' Does nor apply to consumer non-troll! card accounts x Foos tat apply to business ron-ciedir coN occounrs t stpporta informaton privacy prwedion: sea our rmw.capptalore.com. r is a kdarally req'st~r~d eeMca mark of Capital ial Coryorotim. All dgma reaervod. 0 2003 r 01LGLBAK ta. (rraoa Period. Vou will have a mirinnan grace period of 25 days widtart firortce Merge m new purdases, never beleroe trorefers, new apedal purchases end new other dar()es if you pay Yarr foal 'New Blanca-, in eccorderee with Ua Important Novice for peymema blow, and h Uma for h to be cred[ed bV Vour rea: sretemrm tlosirg data. Them is ro grace period m cash adwrcae and specal transfers. In addtlon, them is ro grace period any trereactlm if you do rot pay rite twat -New belerea.' b. Aoanrg Fitaae Charge. Trareactlats whlM are rot soh( [ to a grace period are assessed flrartce Merge i] from da tla[e of the [rartsedon or 2) from the date rite traraectim is procesaotl to you Aceam w 3) [ran the fire ralatdar daY of the auratt billirtp padod. Adtidorolly, 'f you rid rot DaY tta 'New Balance Fran the Drevious bilYrtg padod h fill, fnertce tltargee cerdirare to ecenra to your utpaid blance [aril the tryaid balance is paid in full. This meare that you may sUU owe firertce Barges, even if you pay tla entire New Balance indcetad on fire fray of your statement by the rexi s[e[ematt dosing date, btu rid not do so for the prevbus malt. Uryaid M1rertce dargea are added m tla appppYYcaNa sagnem of yotr Aceant. t' c. MitYnm Fitanw Chrge. for eats tilling period that your accent la aLled to a flrartce Marge, a miNmun total RNANCE (]rARGE of 50.50 will be impc®d. If Un total flrerae dtarge mstlUnp from the apPliratlm of yyonuu pedodc rota(sl is less flan 50.50, we vnll aubtrect theft amoum from tfa $0.50 mHmun end the dfkrerae will be billed to Ua purdrese sapnem of your steam. 't d. ~~ r~iotR emotion hw aawto~frirge. ~r~ rw the hillirtg period. y P`tat 2. Avrsge Daily Blanw Ihakdin New Ptrohaaeal. a. France clarge is cala/ated 6y mttltlpying the daily baance of eats sagrtem of your eceant (e.g., cash advance, purdreae, spadal trarefer, and apedal purdase) by the cerceaportdrg daily pedodc rle(l trot hoe been prav(ady dsdosad [o you. A[ da end of cent day during da Wlling pariotl, sue appy the daYy pedodc rata for eats aeQnen[ of your accent ro the dally blame of eats se~tent. Then at the end of tta bilrtq period, sva add w lta resits of [[rase daily claiadaa to emw at yax pedodc firertce large for eats aegnem. We add rp the restita from eats setTnem to arrive et the teal pedodc firertce large for yrxu eccotrl. To get tra daily belarae for seat aegnent of your attar[[, vve take Va begkrarq belarae fw eats sagrnau erd add anyy now troraactlare erd any padodc fireroe Merge celalatad an Un previotn day's balance (or that segment. We than mixraw any peymtme w crada posted as of tfat day thw are alioratad to tlat segnem. This gives re Ute aaperote dagY balertce for eats sagnant of your attar[[. Howavw, If you paid Ua Nave Balaroe shown an yow preNaa statement In full (or if your rent balarae was zero or a trod[ amounU, new trarBadiaa whits post to your purrheae or special c~alaiae l~°e `sues a dell t balenaet bthe~7y a6dert~.t We belerttx+a together eM 6Nydktg tFa sit by lie nrNter ofy tla days in the duratt biYirtp cycle. To calculate your tad firortce large, mJtipV Vour awroge daily Uekrtce by the daily pedodc rate entl by the ember of days in rite billing period. Due to rarxirg m a daily beds, them may be a stlglx variants bwwaen this celatledm and the amain of flrertce la actusYy assessed. b. H [he code Z o N appears m the irmt ai Ws atatanem rexi to 'Bdartce trace Appied To,' we mWtlpy fire IrrtptutaK Notlw: Paymana you mail to ua will be cretlhetl to your accent as of the buekaes ley wre receive h, proNded (1) you send rite bottom pomon of 1Na tnetemem antl your dteck h the endvaed remitance envdape and l2) your paymem is recdvod In our processirp carter by 3 p.m. E( (11 moon PT). Pkasa allow at lean flw (5) business days for ptwtal delivery. Payments received by ue et any briar IocaUon or n any other tom[ may not ba credited as of the day we recdw [Para. Our business days era Monday [brood[ Saturday, exdtxirq falidaye. Please do rat use stapes, paper d~ etc. vAten preparirq your payment When you ewd ua a Mec (s), you solarize us to make acne-ume eleclrortic transfer debh tram your bank accarm for the amain of the check ~TNe authodzatian apples to all checks racaved during the biling cycle avert it sent by someone alas. If sue carrot proems the transfer, you solarize us to make a charge against your bank acearn ueirq the chock a paper draft or oNar ham. And don't forget-you earn rewards on every TJX Visa® purchase! TJX v- 028 Its that easy! • Earn 5% rewards on purchases made at T.J. Maxi, Marshalls, HomeGoods and A.J. Wright and earn additional rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxx, Marshalls, HomeGoods or A.J. Wright store location. T~•fY1CD~( MarshallS. I~vmeGo ds A.J Wright `Please see the RewaMs R-ngram Terms and Candir~nna in your nriyjnd ofF nr.xldiiiunal dirclouirc lacer fi>r full Jemilc C~ / _ "- TJx Account Summary Previous Balance E1,171.12 Payments, Credits and Adjustments ;1,200.12 Transactions ;74.82 Finance Charges E15.57 New Balance E61.39 Minimum Amount Due ;15.00 Payment Due Date June 09, 2005 Total Credit Line 51,200 Total Available Credit ;1,138.61 Credit Line for Cash ;1,200 Available Credit for Cash ;1,138.61 PLATINUM VISA ACCOUNT 4934-2224-9066-8657 028-1103 APR 10 - MAY 09, 2005 Page 1 of 1 Rewards Sttmmarv- this summary reflects transactions oosted during this billine cycle Previous Rewazds Balance E3.93 TJX Rewazds 04/07-05/06 E.00 Other Rewazds 04/07-05/06 E.16 Rewazds [o be Issued E.00 Balance as of 05/06/05 f4.10 Payments, Credits and Adjustments 1 02 MAY PAYMENT RECEIVED -THANK YOU E3,171.12- 2 05 M.4Y CREDIT ADJUSTMENT 29.00- Transactions 3 to APR 0178 SHEETZ 00001784 CHAMBERSBURG PA At your service q 10 APR AUTOZONE #1887 SHIPPENSBURG PA To call CWstomer Relations or to report a lost or stolen card: 5 10 APR KMART 00097691 SHIPPENSBURG PA 1-877-534-6841 6 12 APR OVERLIMIT FEE Send payments to: Send inquiries to: Attn: Remittance Procrss'ulg Capital One Bank Capital One Services P.O. Bax 790216 P.O. Sox 55015 St. Louis, MO G1179-0216 Richmond, VA 23285-5015 522.00 14.83 8.99 29.00 F'inanee Charges Pleeue tee reverse tide jor important infarmativn ~ Balaxrr rafr Pmodrr C rsya~drag ~~~ ~ludto s:ttr APR 1° PURCHASES 5182.35 .05904%D 2155% f3.23 CASH 5693.68 .05932%D 21.(5% 512.34 ANNUAL PERCENTAGE RATE applied this period 21.6290 PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4934222490668657 09 0061391171120015001 New Balance ;61.39 Minimum Amount Due 315.00 Payment Due Date June 09, 2005 Total enclosed ; ~--~ Account Number: 4934-2224-9066-8657 Capital One Bank P.O. Box 790216 ~~~t~nn~~t~~n~~nt~ St. Louis, MO 63179-0216 ~t~~nn~~nn~~~ut~~s~u~~nus~~~~n~~t~~unt~~~~~n~u~t~ Plrasrprr,ttr,<a;l'xgaddrcuanb r-mailyd+ugesbr! urixgb/ orb/crfiak Street Apt W City Smm ZIP Home Phon< Alt<rnau Phoae ~ #9013071589949293# MAIL ID NUMBER 1 EMILY E STUM ~ 1329 DOUBLING GAP RD ~ NEWVILLE PA 17241-9758 ° ~ ~nt~~~ns~n~t~t~n~nt~~~t~u~us~~~t~t~n~m~t~~t~m~~~t~ r Pleare rurife your account numbs on your check m mosey ordn made payable to Capital One Bank and mail in the enclared envelope. O N ~ i O ~~ ppeenodc role. To obtain the average daily balerae for the 6tllirq pedod covered by this statemem, we take the begirrrng balance of each segmem each day, add any rout tsireacvare to each sag~ern, and a[btratt any paymems or credits. (lf the code N ePPeara on the hen of this statement next to 'Balance Rate Applied To,' vs+e also suMreM any tapaid firertce charge irduded in the balance of each segment.) TNa gives us the daily balance of each segmem. TFten we add up ell the dallyy balances for each segment for the tlllirq pedod and dNde by the final nunher of days In the bllUrrg pedal TNa gives ua the average dally balance of each segmem. 3. Amd P~aantago Ratan fA1Mi1. a. The tarot 'Annual Peremtage Rate' may appear as 'APR' en the from of this statement. b. If the code P (Feline), L 13-mo. LIBORI, C ICerilficate of Deposit), a S (Benkcerd Pdme) appears en the front of )hie statement roM t0 the pedodc totals), the pedodc sites and srteapendng ANNUAL PERCENTAGE RATES may vary quanedy end may increase or decrease based en tfa stated irtdeea, as fotnd in The Wet/ Sheet Joumel, plus the margin ppreviatdy dadoaed So you These thengea witl ba ettectlve en tfa flint day of your billing pedod mvered by your pedodc atatemem endng in the menthe January, Apol, Jdy end October. c. Ii the code D IPdma), F 11-mo. LIBOR) or G 13-mo. LIBOR Repdced MentNy) appeasi en the from of year statemem rext to the pedadc site(s), the pedodc rates end srre~andnp ANNUAL PERCENTAGE RATES may vary mamNy ant rney increase or decrease based m the anted indces, es toted in The We// Sheet Journal, Alta the margin DreNoualV dsdoced to You. These changes will be effective en ifs first day of your dpirq pedod cedr menth. 4. Assasanartt of late. Ovarirtrit ant RaWnad Prymst Faaa. Your account will be assessed re more than two of the tees listed here chat scar dudrq any filling pedod. Under [he tenna of your customer agreemam, we reserve the fight to waive or rot to assess any tees without pdor ro[ificatien to ces n1elater tiim~ cur fight io assess the same or similar 6.tRorwlMag yorr Aaoourit. If a membesiHp fee eppeara en the front of this atatemem, you have 30 days from the date this aretement was mailed to you to evdd paying the tee or to have such lee credted to you if you caned your actxrrit. Dudrq tNa Deriod, you may cm[inue to use your aceount without Mving to pay the membership tee. To cancel your account, you must notify us by calling our Customer Relatiena Department and pay your 'New Balance' in fill (extludng Me membership fee) pdor to tfa end of the tHtty-day pedod. 8. N Vou Cbw Yau Aoaoum. you can request to close your account by calling our Customer Relatlare Department. You rotor destroy your cretlit cardls) end asaum access clacks, caned ell preauthodzetl dllirq, and ceece uair[~ your account. Ii you do rat cancel preeuttadzed filling errangememe, we will conceder recdpt of a charge your arnhodzetien to reope you esoum. Additionally, your eccraun will rot benclosed until you pay all amounts you owe ue iroludirq: any SreneaMiOrla you have authadled, firence Charges, Pasl due fees, oWdimit fees, resumed Daymem tees, cash advance tees and any other fees assessed to your scan. you are respaaiNe for these amounts wiather they appear en your account at the Ume you request to close the accaum or they are Incurred aubcegtrmt to your request ro dose the account. TNs may result in charges appeadng en your accent after yin have your accotnt if h has already been dosed. For examde• if you authodzed a pumhase from a merdtant and we receive the tsiraeMien hom dce merdlent after your arxxrtnt has been tloead, your arxxrrn will De reaperted, the amotrn of the charge will ba addetl to your accent, and you will be reapatceMa for payment. If there is a membership fee for your anent, the fee will cont'ara m be dte , to the etaem Pamlttad by law, foul the arxxran ba arse has Gem paid In fill ea doflrad above. 7. llakg Yqa Aaaaad.VOUr card or accoum cemot be used in srrlsrbn with any kllafrle[ parnWinp trereaMian. 8. Notbo Abed Elooborrlo proak Corrv~abrr. Wfm you provide a deck as payment, you autfadxe ua either to [ ae intormatbn from yorr deck to mak¢ a aa-Ume deMroric trod trerefar from your bank eceent or to process the Payment as a deck tsineactien. Wften we tae informanan from yotr deck to make en dectroric fund tsirefer, furls may be withdrewn from your bmk anent as nom es the same day we receive ydr payment, and you will not receive your dteck back fran your finaztdel iretinaien. BIWNG RIGHTS SUMMARY (In Ceea Of Errors Or Oueatlare About Vour BUB Ii yea Wnk your bill la wrarq, or If you road more informailon m a traraaMien or NII, cadre to w en s separate ahees as win as poaside at the address for ingtides dawn m the irmt of 1Ns natemmt. We rotor tear iron you ro later than 80 deya aher we seat you the first bill m vvhich the error ar prdlem appeared. Vau aan call our Customer Rdailore nunber, but ddrq so will not Preserve your dgMa. In year letter, give us the fdlovring mtormailom your name and esoun number, Ua ddlar amount of tla auapetted enor, a deacdptien of the enar ant an e~laretien, ii posaide, of whyy you believe there is an error; ar if yea recd more IniOrmetlen, a descdptien of the ham you are tuaure shorn. Vw do rat have to pay any cement in question wNla we are Investigating it, but you re adll d>ligaced to pay the pans of your bill that am rat In questien. WNIB we Invoatlgaete your questim, we carrot report you as delingtcnt or to any ecUen to collect tM amount Wu question. S,t Spedel RWe For Credt Card Purchases Ii you have a praMem with the quality of property or seMces the you purduaed with a credt card and you have tded in good fehh to seed the problan with the merchant, you may have the fight rot to pay the remaiNng amount due en the pr ny or aeMCes. You have Ws prateeilen oNy whin the pumMse pdce was more than 550.00 end the Wrdase was made in your home state or within 100 miles of your mailing address. Ili we own or operate the merchant, or if vue mailed you the adveniaemem for the propenV ar seMces, all purdases are covered regardesa of amount or loceilm of Wrchase.) Please remember to sign all cerrespordence. t Does rot apply fo mnsumu noncredit card accounts 3 Does rot apply to business rwn-credX card accounts Gre auppone InfoRrr811en pd VBCy prttectien: Bee OUr al www.captalore.com. One is a federally rep'stared eeMce mark of Caphai andal Corporation. All fights reserved. 0 2003 One 01ISitBAK t a. traeo Pviod. Vw will have a mirimum grace peaod of 25 days without finance charge m new punYreses, now balance trarefere, new spedal purtlases and new other dteryes if you pay your total 'New Balance', in osordorae whh the Importam Nodce for paymems below, end kl Ume for it [o be credted by your roe s[atemrsx tlosing dale. There is ro grace padod en cash advartcea and special traafea. In addtien, tfare is ro grace perod any transactien if you do rot pay the total 'New balance.' b. Aoor[ig Finartoa Chargo. Trereattiare vMdt ore rat s,gec[ ro a grata padod are esaesaetl flrence drorge 11 fran the date of tlr; transacden or 2) from the date Ute trereactim is processed to your Accent or 3) free Una firs[ celender deV of tfa cunent billirt~ parted. AddUOrelly, if You del rot PaV the 'New Balance from the prevbtn billirq padod in fill, finance dlsrges comma to asna to your tatpaid bdarae umU lire upaid balance ie paid in 1JI. This meare that Wt+ mayy still owe firerae tlarges, even if You PDY the entire New 6elanca kxiceted en the front of your 9[atenerlt by tfa roe ssitarant doeirg tlete, but del na do so for the provkwa mood[. Urgeid flreroe Uaarges am added to the a ble segnent of y'o[+AScent. t' c. MFlmun Fitanoa ergo. For each HIUng pedod that you octant Is atr6)oct to a flrtarae large, a mlNmtan total FINANCE C)WRGE of 40.50 will De Imposed. If the tool flrerae tlarye resodrq from the appikaven of your pedtric rate(s) is less then ?0.50, we will xbtmtt that amount fran the 90.50 mirimum erd tfa 6ffererae will be billed to the purchase em of you accent. 't d. Torrparary Rodration it F'nrr o tlrgo. We reserve the dgm to not assess any or ail firorae dlarges for any given bluing pedod 2. Avorago Dally Balswo Ibrokrditg Now grahapal. a. Rnance charge is calNated y mulilplying the doily balance of eadt segntmt of your account (e.p., cash etlvarae, purtlase, spedal tsirefer, and apedal purdasel by file smesPorrirg doily pedodic rate(s) tMt hss been prevb[dy dsdosed to you. A[ the end of eadl day dudrg the Mllinp pedod, we apply [he dally pedodc rate for eadt aegnent of your accenn[ to the dally bdarae of aedt sapnamt. Ttan et the erd of tla bilbnp period, wa add tp the rretlts of these deity calculatiore ro artiW et your pedodc finance darye for each 90gnlem. We edtf tp the real[s from each aepnent to emW at the teal pedodic firerae Utarpe for your eccant. To get the dally balerae for eadl segnmt of your accent, we take the be(jming balarae for seen eagnam and add any new troreaMierta nd any ppaedaf~ flrance darye celaaated en the prewous deyra balerca for that sagnan. We dten xbtratt any peymema w credts posted as of that daV teat tiro allocated [o the[ segment. TNs gives us dce sepasite dally balance ~1 ~ ~~f ~ r ascent. However, if yw paW dce yar preNous statement in full (or if your new balarrx: was zero or a creel[ amount), raw treraectiare which post to your purdase or spedd purchase aepnems are rot added to the doily bdencea. We Irrlata rte average daily balance by addrq all the daily balances togeNer and 6Ndng the arm by the rrmher of tfie dari in the current 6ifirp cVtle. To calculate your total firartce drarge, mtltidV War average logy belarae by the doily pedodc rate end by the ember of days kt the 6ilirg pedod. Due to rnndrg m a deity basis, there may be a sigm vaderae between tltis celMlatlen and the amount Of flrortce dcerge actually essessod. b. If the code Z or N eppean m the hint of tMs autement roe ro ' Belerrx: Re[e Applied To,' wa mratiply tfa . . Irrportad NDdoa: Paymeme you mall to ua w111 be credtad to your asoum as of the business day vva racdve It, proNdad (1) you send the bosom ponlen of Vta atatanent and your deck b the enclosed remittance envelope and 12) your payment la recdved In our proceasirp cemar by 3 p.m. ET 112 noon PT). Please Blow at leas) flue (5) business days for poaul delivery. Please do r~ ~ by ua at any other locavm or In any other form may cwt be credited ea of the ley we receive them. Our 6tuineea days era Mmday through Saturday, axcludng hdidays. ataplea, paper dips etc. when prepanng Your paymem. Whin you sad ue a check(s), you authodze ue to make acne-ume elanrodc trarufer dealt free your bank accotnl for the amain of the check Thia authodzafien appltea to all checks recelWd dudrq the billing cyde even if sent by saneare else. If we carrot process the varefer, Wu authorize us to make a charge agairut your bank accenn using the check a paper draft or otter hem. J ,_ 028 ~ T X y.: And dont forget-you ear® Its that easy! rewards on every TJX Visa purchase! • Earn 5% rewards on purchases made at T.J. Maxx, Marshalls, HomeGoods and A.J. Wright and earn additional rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxx, Marshalls, HomeGoods or A.J. Wright store location. T,~fY1CD~( Marshalis, me ds A.J Wright ~Pkx+r see the ArwarJs Prn femc anJ condi~iwa in 1 oe&r nr..Jdi,inn~l Jlmlmnrc laces kr 1611 den~ic. 028-1103 gnm' your ~v;~~a TJx Account Snmmarv Previous Balance 561.39 Payments, Credits and Adjustments 17622 Transactions 5852.96 Finance Charges 535.86 New Balance 5873.99 Minimum Amount Due 526.00 Payment Due Date July 09, 2005 Total Credit Line 51,200 Total Available Credit 5326.01 Credit Line for Cash 51,200 Available Credit for Cash 5326.01 At your service To call Customer Relatioro or ro xport s lost or stolen oud: 1-877-534-6841 Send payments to: Send inquiries to: Attn: Remittance Processing Capial One Bank Capital One Services P.O. Box 790216 P.O. Box 85015 St Louis, M061179-0216 Richmond, VA 21285-5015 PLATINUM VISA ACCOUNT MAY 10 -JUN 09, 2005 4934-2224-9066-8657 Page 1 of 1 Rewards Summary- this summary reflects transactions vosted during this billin¢ cycle. Previous Rewazds Balance L3.10 TJX Rewazds 05/07-06/07 5.00 Other Rewazds 05/07-06/07 5126 Rewazds to be Issued 5,00 Balance as of 06/07/05 55.36 Payments, Credits and Adjustments 1 02 JUN AUTOZONE #1887 CREDIT ;14.83- 2 03 JUN PAYMENT RECEIVED -THANK YOU 61.39- Transactions 3 15 MAY WAL-MART #2574 CARLISLE PA 554.13 4 21 MAY CASH ADV. T FC/348 DOU NEWVILLE PA 41.75 5 24 MAY CASH ADV. T FC/348 DOU NEWVILLE PA 161.75 6 27 M.4Y CASH ADV. ANK/65 ASHLA CARLISLE PA 62.00 7 29 M.4Y SAYLOR'S MARKET NEWVILLE PA 10.00 8 29 MAY SCALLES 1NC CARLISLE PA 22.25 9 30 MAY CASH ADV. T/9 W BIG SP NEWVILLE PA 322.00 10 30 MAY SUNOCO SVC STATION HARRISBURG PA 20.00 11 31 MAY CASH ADV. T/9 W BIG SP NEWVILLE PA 122.00 12 04 JUN COCONUTS #1220 CARLISLE PA 37.08 13 09 JUN CASH ADVANCE FEE - -FINANCE CHARGE 29.66 F'utarlee Charges Pkare ne reverit rirlsfor important information Balanrr rm'r Periodic Co,r<ryonding ~~ `~ gsplirdto rm~r A lit. PURCHASES 5.00 .05971%D 21.80% 5.00 CASH 1313.12 .06000%D 11.90% 56.10 ANNUAL PERCENTAGE RATE applied this period 60.6590 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4934222490668657 09 0873990061390026007 New Balance 5873.99 Minimum Amount Due 526.00 Payment Due Date July 09, 2005 Total enclosed E ~--1 Account Number: 4934.22249066-8657 Plrarrpr;rrtmailingaddrrra~ e-mcilrlnmgrrbr! roingb! orb/arkin.E srr«t Apt M City Smu ZIP Home Phom Alurnaoe Phone ~ #9016171589949298# MAIL ID NUMBER Capital One Bank EMILY E STUM P.O. Box 790216 ~ut~~ut~~~t~u~~m~ ~ ~ 1329 DOUBLING GAP RD ~ NEWVILLE PA 17241-9756 St. Louis, MO 63179-0216 m ~s~~nn~~uu~~~sn~~s~u~~uut~l~nl~~t~~uus~~t~~n~u~t~ ° ~ ~ut~~~ut~n~t~l~n~us~~~t~u~m~s~t~t~u~su~l~~t~ur~t~s~ Pleare surite yore account number on yoro check or money order made payable to C ~taJ One Bank and mail in t!x rnrlaed envelofe. I- O I ~ I o oral p~edock rate. To obta'n the average daily balance for the billing Period cevered rhy this natemem, we take the hegrvung balance of each sepnem each day, add any riew iren88efiere 10 eats BeQnall, aril ahlreCl any payment9 or credta. (Ii the code N appears an the from of Chia atetemam rext io 'Balance Rete App'ed To,' we alx at6trect erry ulpdd finance large irolta)ed n the balance of each aegment.l TNa gives to the daily balance of each segitent. That we add up all 1M dallyy balances for each segment is the tilling paled and dNde by the total rsanber of days in ttw billing perod. TNS gives us the av~r~ggee dally belarwe of eats a grant. 3. Anew Pereraage Rotas IA)Mtl. e. TM term 'Annual Percmuga Rate' may appear as 'APR' an the front of this statement. b. If the coda P ryrime). L (3-mo. LIBORI, C (Cenigcate of Depoeh), or 5 (Benkcerd Prime) appears m the from of tNs statemem text to the petlodc retels), the periodc rates ant certeaporidnq ANNUAL PERCENTAGE RATES may very quenedV and may irorease or decrease 6esed an the rimed iMicea, ea fond in Tha Wa0 Sbeat Jaanel, plus the margn ppreNartly dadesad to you. Tfase dan~ea will be eHectlve an the first day m your Nllirig period covered by ygur pelage ataten[mt endrq In the monihe Jaraary, Apll, JJy end October. c. If the code D (Pdmel, F (1-mo. LIBOR) or G (3-mo. LIBOR Replcad MmtNy) appears on the tram of your statement next to the pelodk rate(s), the pelodc rates and cerreapondrp ANNUAL PERCENTAGE RATES may vary monWY and may increase or decrease bard an the anted iridcea, as land in The Was Street Jorme), pro the margin preNOUdy dadased to you. Thex dangea will 6e effective on the firer ley of your 6igirig period each momh. 4. Aesesunrtt of Leta, Ovarfirrit ant Rsbnatl Paryrwlt Fees. Ywr eccoum will be asxaeed ro more than two of the tees Ilned here that xcur during any tilling period. Under the terms of your cunomer agreemam, we reserve the lght to waive or rat to assess any fees w4thaa p for rotiflcetim to yw without weiNr[g our fight to assess the same or similar fees at a later time. 6.1'Ranevrirp yrer Aooerr. If a membershp tea appears on the trtutt of Lida statement, yw have 30 days from the date tNa statement wee mailed to yw to avdd payfrq the fee or to have such tea cradled to you if you caned your accetnt. Durhq tNs period, you may continue to use Ywr account without hating to pay the membership fee. To caned Ywr account, yw must notify ue by calling our Cusomer Relations Departmem antl pay yyour 'New Balance' in full (extludirq the membeshp feel prior to the end of the tNrty.ley period. e. H you Cbu yw Aooaart. Vau can request to lox yyour accent by calling wr Customer Relatlms Deparunent. Vw moat dastray Ywr credit wrtl(s1 antl e cant access Mecka, caned ell preautlwdzed billing, eM cease usirt9 Ywr account. If You do no[ caned rpeceip of a daring arrangements, we will caaider ge your eufwrization to reopen Ywr accent. Additionally, Ywr secant will rwr be dosed until yw pay ail amounts you owe ua irwluding: any troraadiarla yw have emfwdzed, firerice Merges, past due (see, ovelimit fees, rewmed peVmem fees, ceah advance tees end any efwr fees esseaxd to your accent. Vw ere respondde for these smarts wiwther they appear on Ywr account at the time you retpwst to clox the acceun or they are Incurred subsequent to your request to does tfw accent. TNa may neater in charges appeedng on your accent abet you have your aceant if it has already been dosed. Fe etwmpe, if you etrdwrized a purclaae tram a merdwm and we receive the trereactian from ttw merdartt after your secant hea been dosed, your secant will be reapawd, the emasrc of the large wig be added to your eccetsit, and you wig be respadNe for payment. If there is a memberehip tae Tor your aceaaa, the tee will cendrs[e to be charged, to the errant pemtittad by law, unit the arxwtan bebrwe has been paid in fill es deflred above. 7. Uakrg you Aoooum.Vwr card or accetnt cemot be used In corrvx:tla[ whh arty Interne[ gamNirg [rereaakxa. 8. Norio Abet Elaobwde Gaeok Carrveralan. When you proNde a dteck ea payment, you authorize ua dtMr to use in(ormation from your dwck to make a oro-tlme dearoric fiats trarefar from yotr bank accent or to proceae Ute peymaa ae a dirk troraecdw. When we ate information from your dwek to make an dectrodc ftsid tremier, furffi may ba witfdravm from your beNt etxartt 88 Saar[ es tiw same day we receive your payment, and you will not receive your dock beck from your fsarrJel Irredttrtim. BIWNG RIGHTS SUMMARY Ile cox Oi Errors Or Queadaa Abort Vwr 8110 It yw tNnk your NII Is wrarig, or 11 yw reed more infomallw w e trereaalan or bill, wire to ua an a separate sheet as soon as possible at the addrns Tor IngWriea ahovm on the fret of this nnemem. We must hear fran You no later than 80 days after we sett you the first big an whits the error or problem appeared. Vw can call wr Customer Rdadoru number, bu ddrq x will not prexrve your rigms. b your latter, 9`k ce the idlowirq intormadan: your came end account number, the filler amoum of the suspected ertor, a dexriptian of the error and an et~lanation, if poadde, of wfiyy you bdieve there is an error; or it you need more Informatim, a dextlpian of the hem yw are ureue abort. Von do rte have to pay any amour in quenim wNle we are Invenigadng it, 6[rt you re adn obligated to pay iha pans of your fill that are rat In quesuon. WNIe we Inveatigete your question, we unwt report yw as ddirtarerit or take any action to cdllect the amoum you question. i,i' Special (Ale Trot Crest Card Purchases Ii yvu lava a problem with the r)talNy of property or aeMcea that you purdaxd with a crest card and you have tiled M good faith to collect U[e problem with the merdant, yw may have the fight rwr to pay the remelting amotnt fins on the properly or xMCes. Yw haw Ws protxtlan oNy vfien the purduae price was more than 360.00 end the purdax was made in your home Hate or wfthin 100 miles of your mailing address. (Ii ytea own or operate the merchant, or if we mailed yw tfw adyettisement for the Prope~ry or xrvfces, all purMeses are covered remrdeas of amaaR or location of wrdax.) Reese remember to dgn ell correspondence. t Does sot app/y to consumer ran-credit cent accounts S Does rot apply to butiness norr-credit card accounts Orw atypone information privacy preectian: sae wr at www.captelora.com. One ie a federally regstared aeMce mark of Caphal andal C,Olporallerl. FVI ngMe re88R'ad. a 2GD3 Orw O1 LGLBAK t e. tray Period. You will lave a mirimtm grace period of 25 dvVS without firarwe large an rew purdases, now balafwe LrorlafCre, reVI 9pedal purtlases al[d roW Odwr d[erges if you pay Your total 'New Balance', in aceortlerwe whh the Important Notice for payments blow, and in time for it to be crested 6y your nett[ s[nement tloaing date. There is ro grace period w cash adverwes and spedel trerofere. In adddw, there is ro grace period m any trereactlm if you tlo rot pay the total 'New balance.' b. AoorWrg FY[>,we Charge. Trerreaafore wHM ere not stib)ect to a goce perod are assessed flrerwe darye t) from the date of the [rersactlm or 21 from tlw date the trereaction is processed to yar Accent or 31 free the first ralerder daV of the wrre[t Nllirg ppeerod. Addniaally, if you did rot paV the 'New Bdarwa' frarrr the OreNOUa billing period in full, firarwe da9ryea txndare to ecenre to your tnpaid bebnce tndl the uyaaid balance is paid in full. TNS mearta that you mayy sdfl ovs fiarwe tlargea, even if you pay the endm New Bderwa Ytdceted on the free of your s[etanent by dw rota auterrwm dodng date, but dW rot do so for the prevbts month. UrVeid flrorwe Merges filed to the a cede eegnrm of your Aa-ntn[. t' c. Mirikrarn FYtanae e. For eats bgRng pedal that your arx:wit is s[!>iect to a hence tharye, a mlNmun [oral RNANCE CHARGE of 90.50 will be imposed. If the total flrarwe Merge msJdnp fran the icatlon of yyoouu pedodc ate(s) is less then 90.50, wa II strMrect thetr amotnt from the 90.50 miNmtm erd tfw dfference will be tilled to the ptuMeae aegr[ent of you accent. t d. Tartpaary Redrdion it Fnanoe tlwge. We rexrve the fight to not assess any or ell finance rherges Pot any given ling period. 2. Average Daily Bdanw (k[e New Ptrduanb a. France clarge Is calalated y mdfipyirig the daily balance of eats aegnem of Ywr accent (e.g., cash edverxxe, purtlaex, spedel trarafer, end spedal purdwx) by the cerresporMng dally pelodic rate(s) List has been prevbtaly dsdosad [o yw. At the end of eoM m daing the Nlling palod, we appy dw deny pedodc rata for eats segnen[ of Ywr secant to the daily bdarwe of eats segment. Then at Ute end of the Nnutg perbd, we add tp the restrks of t)wao filly ralnlatioro to amve at Ywr pododc firarwa Marys for eats aegnwt. We add tp the restlts from eats segnatt to arive at the tool periodc firorxx large for yea accent. To get Uta daily balance for eats segnent of Wtrr secant, wa toka the begrvting balance for eats segment ant add my new trareaaiore rid any periodc firorwa large celaleted on the preNOtas day's bobrwe for that aegrwnt. We then stb[ract any peymw[s or crests posted as of that day that am allocated to tlat segnont. TNs glues to Use eeparata deny belarwe for eats aegnw[ of Ywr atxwtnt. However, If you id [fw New Balance s)wwm m you preNaaa sutemem k[ fill (or If Ywr rew belerice was zero or a crest smart), now trareadiore whits post to Ywr pumJase or spell purdaae aegnents are not added to the daily bdarwes. We celalete the average doily belarwa by addrq ell the daily balerices togetlwr end duffing the arm by the rentlter of the days in the wrrent tilling cyce. To cdralate Ywr Led firarwe dwrye, nxidpy Votrr average deiV begrnce bV the doily dock rote end by the ember of days in the Nlgrg peri~Due to rou[drg an a daily hods, there may be a light valarwe between tNa celale[fon anti the emotnt of firorice d[erge ectuapy aaseasad. b. If the code 2 or N appears on the front of tNa natisnent ro>R w'Bdarwa Rata Apples ro,' rR muldpy nw Irryatarrt Norio: Paymema you mall to w will be crested to Ywr accoun es of the busiresa day we receive h, proMdad (1) you send the bottom potion of tNa natemam and your d[xk the enclosed remittance envelope arts (2) your payment la racdvod h our p c sing crater by 3 p.m. ET (12 noon PTJ. Please allow at lean flue (5) budresa days tar posul delivery. Peymema racdved by ue at any other locenon or m any other form may not boo redtad as of the day we recdve them. Our badness days are Monday through Saturday, exdtrdng holidays. Please do not use napes, paper dips etc. when prepenn0 your payment. When yw sent us a check(s), You authorize ua to make sore-time eledroric transfer debh tram yow bank eccotnt for the amain of the dteck ~TNs authodzatim apples to all checks recavad dunrq the billing cycle even it sent by seneme sae. If wa canrwt process the lrarreter, you authorize us to make a charge against Ywr bank accotrn ueirq the check, a paper tlrah or other item. J - 028 T X :::• And don't forget-you earn Its that e ~ rewards on every TJX Visa® purchase! "'~' • Earn 5% rewards on purchases made at T.J. Maxx, Marshalls, HomeGoods and A.J. Wright and earn additional rewaeds* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxi, Marshalls, HomeGoods or A.J. Wright store location. T~•n1CD~( Marshalls, meC7o d A.J Wright 028-1103 'Pbuc xee nc~ MwrA. Pmanm lemu anJ Condiriuna in your nri8inal o~ r nr:aWirinnnl diacla.m lever fnr full Jenilx. wlwa~~' VfIG TJX Account Sltmmarv Previous Balance 5873.99 Payments, Credits and Adjustments E225.00 Transactions E23.47 Finance Charges E14.99 New Balance 5687.45 Minimum Amount Due 520.00 Payment Due Date .August 09, 2005 Tonal Credit Line E1,200 Tonal Available Credit 5512.55 Credit Line for Cash E1,200 Available Credit for Cash 5512.55 At your service To all Customer Relations or to report a lost or stolen and: 1-877-534-6841 Send payments to: .Attn: Remittance Processing Capital One Bank P.O. Box 790216 St. Louis, MO 63179-0116 C0 Send inquiries to: Capital One P.O. Box 302&5 SLC, UT 84130-0285 PLATINUM VISA ACCOUNT JUN l0 - JUL 09, 2005 4934-2224-9066-8657 Page 1 of 2 Rewards Summary- this summar y reflects transactions posted during this billing cycle. Previous Rewards Balance E5.38 TJX Rewazds 06/08-07/06 E.00 Ocher Rewazds 06/08-07/06 E23 Rewards to be Issued E.00 Balance as of 07/06/05 E5.62 Payments, Credits and Adjustments 1 Ol JUL PAYMENT RECEIVED -THANK YOU E225.00- Transactions 2 15 JUN KMART 00097691 SHIPPENSBURG PA E23.47 Finance Charges Plerue fee r wnrr ride fm important information BaI rm°r Prrrodu Corresponding ~~~ yylirdlo rate AP PURCHASES 5110.21 .05973%D 21.8096 51.97 CASH 5723.45 .06000%D 21.90% 513.02 ANNUAL PERCENTAGE RATE applied this period 21.88tYo PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4934222490668657 09 0687450225000020002 New Balance E6S7.45 Minimum Amount Due E20.00 Payment Due Datn August 09, 2005 Total enclosed S Account Number. 4934-22249066-8657 Plemrprintamil'ngaddrrrr~ r-,.,ailrAmrgrsbr! uringb/worb/ar:kink Srrxt Apt t Gry Snn ZIP Home Plwne Altemak Phone #9019171589949295# MAIL ID NUMBER ~ EMILY E STUM Capital One Bank P.O. Box 790216 ~nt~~u~~~n~l~m~~~ 1329 DOUBLING GAP RD '" ~ NEWVILLE PA 17241-9758 St. Louis, MO 63179-0216 ~ ~ ~t~~nn~~nn~~~m~~~~u~~nm~l~ut~~l~~uut~~l~~n~u~~~ ° ~ ~tu~~~m~u~t~l~n~nl~~~t~n~nt~~~a~t~n~ul~t~~l~ut~t~t~ P/eafe write your arroanl numbs on your rbuk or money order made payable to Capifal One Bank and marl in tlu rndofed rnvelope. r t a. Oraoe Priori. Vw will have a mirvmun 9raco period o1 25 days wkhota finance charge m rev purchases, rev balance trerefero, new special purdasas and new other charges if you OaY Vaur total 'New fielarce', in awadertce with the Important Notice for peymertu blow, and h tkne for k to be credted by your rex[ statemem tlosing date. There is ro grace period m cash advances and spetlal trareuro. In addtim, [hem is re grace period any trareacdm if you do rot pay the [sal 'New balance 6. Aocrtitg Ffrtanw Charge. TrereaNare wfldt are not abject to a grans period are assosxd Rrertce charge i) fran the date of the trarwetlm or 21 fran the date the trortaeutim is processed to your Acoent or 3) from the first calendar daV of the atrratt billing Period. Addtiaally, if you rid rot pay the 'flew Bdertce from the praNan Wllirtg period h ful, firertce rrierpea wrrorare to arxnn [o your [repaid bdertce until the upaid belertce is paid in fWl. TNs meere that you mayy autl owe firerne dirges, even if you pay the entire New Beurce ktdceted m the frrxt of your statement eV the rex[ ae[ement tlaeirtg dare, but rid not rb so for rite PrevWtu monM. Uryald flrtartce tlarpes are added to the a calve aepntnt of yttur Acceutt. t' c. Milrrturt FYtrtae arge. far each Wiling period that ywr erxxttm Is abject to a firartca dtarga, a miNmtm [out RNANCE CHARGE of 80.50 will be imposed. fl the total flrreree charge reaWtirq from the applkstlm of yynnuu pedodc rote(sl is less than 90.50, we will subtract thetr amant from the 80.50 miNmun eM the dfferertrc MII be Willed to tfte purdtase sepnem of yen accent. td. Trrtpanry Rerludion (n Fianoa Garga. We rexrve Me dpla to not assess any or all firertce durges for any given Wllirq period. 2. Avrage Drily Bdaawe IYtoktdsq New Puahasesl. a. Rrence charge is celaaated y mtlflplylrq the daily balance of aedt aegmen[ of your ecrartt (e.g., rash advance, purdax, spatial [rarefer, end spedd purdtreey by the wrtaspertdrg daily pedodc rete(e) that has beat prevbrdy dadosed [o yin. A[ [M end of eadt day dtdrg the Wiling period, we apply the deiy pedodc rete for each sepnen[ of your arrant to [fte daily 6alertce of each sapnem. Then at the end of the Wimp period, we add ty the restita of dtex daily ralaladare M amve at your periaic firertce dirge for mtlt sognertt. We add [p the realu fran each ae0rtmt to amve at the teal periodc flrertce dirge for your accent. To gat the doily balance for eadt sagnmt of yea' acwtat[, we take the begrrting balance fw each aegnent and add anyy new troreautiore and anY ppaalaic firertce charge calalaed m the preNazs data balerxxi for that aegttatt. We then atbtrtact any payments or cradta pttaed as of that day that are alktceted to the[ set#nem. TNs ~vea re the aeparau daily balance for eadt ae(Fnem of your accoux. Nowever, If you paid the New Belartce dtovvn m yar preNOtts aa[emam In fill (or If ymr new balance was zero or a eyed[ emotrm), rev trareaNan which post to ymr purtlase or apedd purchase aegnmu ere rot added to the dilly belertces. We wlaaate the everega daily bounce by eddng all the daily belertoes together and dNdng the sun by the nuttber of rite days in the wrrars Wiling eyrie. To violate you tool firertce tlterge, mWtiply your avero(ae daffy baurrce by Ute daily pedock rate and by the ember of days in ttta Wllirg podod. Due m ratrtdng m e daily besia, drere may he e digM variertce betvneat Wa cdaladm and the amen[ of flrertce rrierge acnuiy assessed. b. If the wile Z o N appeam m the irmt of 1Hs atatemmt reta co 'BOlartw Rate Applied To,' we mrltiply the .. ppeedock rate. To abuin the average dai1V balarxx for the billirg period wvered by this aEtemem, we take the begimrtg balance of each xgmem each day, add any new troreectims to each sepnmt, and subtract any peymema or credits. Ili the code N appears m the tram of this aetemem text to'Oelence Rne Applietl To,' we also abtract any unpaid firertce charge induled in the balertce of each x em.l TNs gives is the daily balance of each agrnem. Then, we add up all the dally balances is each xgnmt for the WNirtg period and dNde by the total number of days h the billing period. TNa glvea is the everyggee dally balance of each segment. 3. ArwW foeroertpe Rates IA('R6 e. The rein 'Areual Percenu(p Rate' may appear as APR' m the front of tlla srotemem. b. If the code P (Prime), L 13-mo. LIBOR), C ICertiflwte of Deposit), or S IBmkwrd Prime) appears m the from of this autemmt next to the periodic rotels), the periodc urea and wrtesportdrtg ANNUAL PERCENTAGE RATES may vary quenedy and may increase or decrease head m the sated tndcea, as fount in The We)l Sbeef Joume), plus the margin ppreNOttaly datloxd to you. These ritengea via M effective m the flra[ day of your Waing period coverod by Your Pododc stateme[t endrtg in tta months January, Apll, Jtiy red October. c. Ii the coda D (Prime), F (1-mo. LIBOR) or G 13-mo. LIBOR Reprbad MomNy) appppears m the from of yea stelemem rext to the periodic rate(s), rite padadc retea end wrreapondrtp ANNUAL PERCENTAGE RATES may vary mattNy and may increase or decreaso based m the stated irwicea, ea fount h Tha WeG Street ,/ounaa), plt® the margin preNottdy dadoaed to you. These chertgea will be effective m the first day of your hiflirtp period eadt mmth. 4. Aasesartwtt M late, Owitlt r[d FteltnW Psyntrt Feea. Your accent will be assessed re more than two of the tees Ilned here that envy during any Wiling period. Under the terms of your customer agreement, we reserve the right to waive or rot to assess any ieea withrM prior retificatim to you widwut waiting our right to assess the same ar similar tees et a later Lima. 6.tRrtewBtg Yar AooornC It s memheuhip fee appears m the from of this natemmt, you have 30 deya from the date 1Ne natement was mailed to you to evdd paying the fee or to have etrch fee credted to yw if you cencd ymr secant. During tNa period, you may cmtinue to use your secant wiMart haNrq to pay the momberohip fee. To cancel ymr accent, you must notify us by calling our Customer Relatima Departmem and pay yymr'New Bounce' in fill (exdudng the memberoNp tee) prior to the end of the tNrty-day period. 6. H You Cbaa Yer Aaoesd. You can request to tlox your accent by calling our Customer Reutlare penmen[. Vw must tlea[roy your credt cemisl antl accent access checks, cencd ell preautltodzed Wiling, and ceex uairt9 your account. If yw des rot cencd preauthorized Wiling arrengementa, we will r ''der recdpt ai a charge your aurhorizatim to reoppen you accoum. Additionally, your accent will rat be dosed until you pay afl amounts you owe us indudinq~ any tranaectlau you have authorized, finance charges, Past tlue tees, overiimit ices, resumed payment tees, cash advance tees and any other tees asxsaed to your accotnt. Vm are respmaide for Meese amotma whether t o~ tft~e acrnuty or ehe~t at the [lino yw request to y ere Incurred subsequent to your request to dose the acwrrtt. TNs may resWt In charges appearing m your avant after you have your atxxaatt if it has already been tlosed. For example, if you eWwdzed a portiere from a merrlam and we remve tho trereectim from the memlant after your exam hag bEert tl09ad, your accent will lx reopened, the amoux of the Utorge will be otlrkad to your accent, end yyoouu will be reaponaible for payment. If there is a memberohip fee for your accent, Me fee will candrxre to be drargad, m the extern pomrittetl by uw, until the accent 6a erxa has been grid in fill as defined above. 7, t)aig Your Aoaeart.Vau card or awaatt cernot be [toed in c -tim with say interne[ gamMirg varear.Uorta. e. tlotloe Abet Lleotrario Cltaok Cartveralon. When yin proNde a clack as payment, you authorize us tither to use humudm from your tlteck to make a ortathne dectratic fad trorefer from your bank eceant a to process the peymem as a rdtxk trarreactim, When we ree M(ome[rm from your tlteck to make m derxroNc fund trorefer, fads may 6e witldrewn free your bank eceart as coat ea the eeme day we receive your peyrrtem, and you Mp not rxdve your tltxk beck from your tkartdel irtaututian. BIWNO RIGHTS SUMMARY Ile Cox Of Errou Or Ouesdare Abwl Vwr BIIU If yw think ywr NII a wring, or H you rteed more {nfortnatlm m a trarrealm or bNl, write to us m a separate sheet as yam as possible at the address for 'rgttiriea ahovn m the irom of Chia sutemmt. We rrttut hear iron yw re later than 00 de after we cram you the first Wll m which the error a problem appeared. You can call au Customer Rdadaa number, hu doing so will not preserve your ri(/na. In your letter, give us the ttllowirtg infomtatlon: your name ant accent number, the tidier amen[ of the atupected enar, a description of the error and en explaretim, if poaside, of wh yw believe there is an error; or if you creed more intonnat~m, a dexdptim of the hem yw are unsure about. Vau do rwr have to pay any tin questlan wNle we are Investigetlng It, but you e allll abflgated to pay the pens of ywr W'll ihet are rot in questim. WNIe we Investigate ywr queadm, we cervtot report yW as ddirxprent Or take any aaim to cdlect the amarn You quealim. 3,i' Spedal Rttla Far Credt Card Purchases Ii you have a problem with the quality of property or seMCes that you purtlueed wiM a credit cam end yw have tiled in good faith to wrtect the problem with the mere nt, you may have tfte fight rtot to pay the remelting t due m the pr ny a aeMCea. Vm have Ws protecdm eNy when the purduae price was more than 950.00 and the Wrtlteae was made in your home state a wtitNn 100 mhos of your maiflng eddresa. (If we own or operate the merf7[eni, or if we mailed you the advenixmmt kor the prop¢~ry or xMcea, ell purchases are covered regardess of amant or laatim of purchase.) Pleax rerttember to dgt ell wneapondence. 'r' Goes not eppty to mrrsrunar non-credX ceN accounts 2 Goes rot eppty 7o business ran-credit caM scrrounu One etpports infamadm privacy Praeutim: sea our et wvnv.cappulore.com. One is a federdly repp'st~r~d service mark of Capital andal Coryorotion. P,II ri$rta reserved o 2003 One OILGLBP.K O O o, ~ s ~,} o ~N Irtportrd Notlce: Paymeme you mall to us vNil ba credhed tv your aaroum as of the budrtess day vva receve h, proNtlatl Il) you sad the Dottam portico of Mia aetement ant your dtxk in the ereloaed remittance envelope and (21 your Payment Is received M our pprocessing cemer by 3 p.m. ET (12 rtom PT). Pleax allow at leas[ flue 16) Duakaaa days for portal tldivery. Payments recdved by us at any other locavm or m any vtftar form may not ba credited as of tfre desyy we recdva them. Our business days are Monday thrw¢i Saturday, excludrp hdidays. Please do not use eagles paper dips etc. when prepannq Ywr pe}m t. When yw send ue a checkle), yw authorize ue to make a arto-tima dectrorvc troneter debit iron ymr hank acwun for rite amaart o~ the check TNs authorizetim applies to aU checks rxavad during Me Wllirq eyrie oven If sent by someone doe. If wn carrot prows[ U[a transfer, you autladze us to make a charge against your bank ewarrrt ueirp Me dteck, a paper drat[ ar other hem. 201495 Turn your savings into earnings with a Capital One® Money Market Account featuring a great 3.15% APY. Our rates have consistently exceeded the national average for the past five years! Get a 3.15% APY. • Open an account with as little as $100 • No opening or account maintenance fees • Easy access via checks or ATMs • Member FDIC 5.15%* APY ~~ 1.09%~` APY Money Market National Capital One Average Money Market Account Source: BanxQuate.c°m `* Hease xe the disclosures on the back. ~_ EMILY E STUM, Page 2 of 2 As a Capital One cardholder, you've come to expect great value without the hassles. Now we'd like to offer you another smart choice to make the most of your hard- earned savings-a Capital One Money Market Account with an annual percentage yield (APY) of 3.15%." You can start with as little as $100, and there are no account opening or maintenance fees. You can easily access your account through checks and ATMs. Plus, with the Capital One Money Market Account your money is FDIC insured. Opening a Capital One Money Market Account is quick and easy. Contact us today and make the most of your money. visit www.capitalone.com/savings or call toll free 1-866-418-1819. Great Rates. No Hassles. To open a Capital One Money Market Account visit www.capitalone.com/savings Or, ca~~ 1-866-418-1819 Monday through Friday, 5:00 a.m. to 8:00 p.m. ET Saturday, from 8:00 a.m. to 2:00 p.m. ET MEMBERS FDIC Capital One, F.S.B. Capital One Bank ~apltalQ~•~ s~a~ngs- 201495 High Yield Savings Accounts I Money Market Accounts ~ No Regrets CDs ~ Certificates of Deposit I Individual Retirement Accounts Questions and Answers about Capital One® Money Market Accounts. Q: What is a money market account? A: A money market account offers more competitive interest rates than a typical savings account while also providing check-writing privileges and ATM withdrawals. There are no fees to open and maintain a Capital One Money Market Account. Q: How can Capital One offer such great rates? A: As a direct bank, we've eliminated many of the expenses that other banks incur. We don't have expensive branches to maintain, therefore we can pass the savings on to our customers through our great rates. Q: What type of money market account can I open? A: Capital One offers individual, joint and business money market accounts. Q: How do I make withdrawals from my Capital One Money Market Account? A: Money market accounts have different rules for withdrawing funds than a regular checking account. • You're allowed up to six transfers or withdrawals each statement cycle, three of which p may be checks written to a third party. Please read your account disclosure for more details. • If you elect to receive a Capital One Money Market Cash Card;"" you can use it for withdrawals at any ATM that carries the PLUS network logo. Q: How can I review my account? A: There are two convenient ways: 1. Register to view up-to-date account information online. We will mail your account information once you complete the application. You will need your account number and personal information to complete your online registration. ~_ 2. Call our automated account information line. Q: Will you send me statements? p A: Yes. You will receive a monthly statement showing your account activity including your Electronic Funds Transfers. Your statement may be sent on a quarterly basis if there has been no activity for at least three months. Q: How do I know my money is secure? A: The Federal Deposit Insurance Corporation (FDIC) provides insurance on deposits in Capital One, F.S.B., and Capital One Bank up to $100,000 per depositor per institution, the maximum amount allowable by law. In addition, Capital One is a leader in financial services with over 45 million customers. We have over $10 billion in consumer deposits C because of the level of trust we've built with our clients. 0 ~~ &~ o~ Capital One offers a variety of ways to save: • High Yield Savings Account with great rates, no fees, and no minimum balance • No Regrets CD• that gives you the freedom to take advantage of rising rates • Traditional CD that allows you to earn more in a stable and secure way • Traditional and Roth IRAs that provide a safe investment for your retirement •AS of 05/3t/05, N tha defy bdence of Cis moray merketaocwnt was EL 00 ar mora, Ca MV was 3.159L; If not, tlra APY was 0.009:. Mlnknum HCeI deposit amount is 5100- Terms and conditions of this after are subject to change 'shout nonce. Ratez are variable and are subject to change before and after account opening. Fees could reduce earnings. These products are offered by Capital one Bank antl CapNal One. FS.a., members FDIC. ""National average of AWS for money market accounts as published by aanv0uote.com as of 05/31/05. O 2005 Capital One Services, Inc. Capital One is a federally registered service mark. NI rights reserved. And don't forget-you earn rewards on every TJX Visa® purchase! J _ 026 T X Its that easy! • Earn 5% rewards on purchases made at T.J. Ma3nc, Marshalls, HomeGoods and A.J. Wright and earn additional rewazds* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maw, Marshalls, HomeGoods or A.J. Wright store location. T~•mCu~ Marshalls, ~n d A.J Wright •Plasr. nx ri,e Rrwards Program terms and Condi,ious in your original offer nr:aWirianal Aixlns.m Inner For full derails ~caYa•c.~ TJx Account Summary Previous Balance 1687.45 Payments, Credits and Adjustments (175.00 Transactions E625.71 Finance Charges (38.53 New Balance 51,176.69 Minimum Amount Due (35.00 Payment Due Date September 09, 2005 Total Credit Line (1,200 Tonal Available Credit 523.31 Credit Line for Cash 11,200 Available Credit for Cash E23.31 At your service To call Clutomer Relations or to report a lost or stolrn nrd 1-877-534-6841 Send paymenk to: Send inquirits to: .Attn: Remittance Proccsing Capitil One Bank Capital One P.O. Box 790216 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, 17f 84130-02&5 028-1103 PLATINUM VISA ACCOUNT JUL 10 -AUG 09, 2005 4934-2224-9066-8657 Page 1 of 2 Rewards Summary- this summary reflects transactions oosted durin¢ this billin¢ cycle Previous Rewards Balance 55.62 TJX Rewards 07/07-05/05 f.00 Other Rewards 07/07-08/08 51.57 Rewazds to be Issued 1.00 Balance as of 08/08/05 57.19 Payments, Credits and Adjustments 1 03 AUG PAYMENT RECEIVED -THANK YOU i175.00- Transactions 2 08 JUL HESS 38358 CARLISLE PA 14.21 3 13 JUL CASH ADV. T/9 W BIG SP NEWVILLE PA 62.00 4 14 JUL CASH ADV. ANK/65 ASHLA CARLISLE PA 42.00 5 16 JUL SAYLOR'S MARKET NEWVILLE PA 30.00 6 18 JUL GETTY 69685001 CARLISLE PA 12.00 7 21 JUL GROTTO P1ZZA5 LEWES DE 11.50 8 29 JUL WM SUPERCENTER CARLISLE PA 100.00 9 30 JUL CASH ADV. T/9 W BIG SP NEWVILLE PA 202.00 10 05 AUG CASH ADV. T/9 W BIG SP NEWVILLE PA 162.00 u 09 AUC CASH ADVANCE FEE - -FINANCE CHARGE 21.06 F'trlanee Charges r importarst information PleareJU revaJeJi d a fo Bdax« ~< Pariodir ~ p ox ~ arg ~IANCE Com ` .gplredto ~ f PR t;t1AI~~ E PURCHASES f10207 .06041%D 2205% t1.91 CASH (927.34 .06068%D 2215% (15.56 ANNUAL PERCENTAGE RATE applied this period 49.7596 • PLEASE RETURN PORT[ON BELOW WITH PAYMENT ~~"°1~'r~ 0000000 0 4934222490668657 09 1176690175000035002 New Balance 51,176.69 Minimum .Amount Due 535.00 Payment Due Date September 09, 2005 Total enclosed Z Account Number: 49342224-9066-8657 Plear<prixtxrai!'xgadJen~ r+xaF!<1 xd<.rb<! wixgb! orbl kirk Sneer Apc Y ~ry Snt< ZIP Home Phone Alurnate Phone #9022271589949298# MAIL ID NUMBER Capital One Bank =~ EMILY E STUM P.O. Hox 790216 ~rlr~~rl~r~r~r~rrl~r~~ m ~ 1329 DOUBLING GAP RD St. Louis, MO 63179-0216 N ~ NEWVILLE PA 17241-9758 ~t~~tur~~nu~~~ur~~s~n~~nm~r~n,~~r~~nru~~,~~u~u~,~ ° ~ ~ur~~~su~n~s~l~n~m~~~r~s,~us~,~r~r~u~ui~r~~l~nr~r~r~ Plearc ernifeyore amount number onyour check or money order modepayable fo Capital One Bank and moil in tJx enrlaredenvelape. r 201495 Turn your savings into earnings with a Capital One® Money Market Account featuring a great 3.15% APY. Our rates have consistently exceeded the national average for the past five years! Get a 3.15% APY. • Open an account with as little as $100 • No opening or account maintenance fees • Easy access via checks or ATMs • Member FDIC 3.15%* APY ~~~ 1.10%**APY Money Market National Capital One Average Money Market Account Source: BanxQuote.com ** Poease see the discbsures on the back. EMILY E STUM, Page 2 of 2 As a Capital One cardholder, you've come to expect great value without the hassles. Now we'd like to offer you another smart choice to make the most of your hard- earned savings-a Capital One Money Market Account with an annual percentage yield (APY) of 3.15%.* You can start with as little as $100, and there are no account opening or maintenance fees. You can easily access your account through checks and ATMs. Plus, with the Capital One Money Market Account your money is FDIC insured. Opening a Capital One Money Market Account is quick and easy. Contact us today and make the most of your money. visit www.capitalone.com/savngs or call toll free 1-866-308-2975. Great Rates. No Hassles. To open a Capital One Money Market Account visit www.capitalone.com/savings Or, call 1-866-308-2975 Monday through Friday, 8:00 a.m. to 8:00 p.m. ET Saturday, from 8:00 a.m. to 2:00 p.m. ET MEMBERS FDIC Capital One, F.S.B. Capital One Bank GapltalQy~•~ s~a~ngs- 207495 High Yield Savings Accounts ~ Money Market Accounts I No Regrets CDs ~ Certificates of Deposit I Individual Retirement Accounts Questions and Answers about Capital One® Money Market Accounts. Q: What is a money market account? A: A money market account offers more competitive interest rates than a typical savings account while also providing check-writing privileges and ATM withdrawals. There are no fees to open and maintain a Capital One Money Market Account. Q: How can Capital One offer such great rates? A: As a direct bank, we've eliminated many of the expenses that other banks incur. We don't have expensive branches to maintain, therefore we can pass the savings on to our customers through our great rates. Q: What type of money market account can I open? A: Capital One offers individual, joint and business money market accounts. Q: How do I make withdrawals from my Capital One Money Market Account? A: Money market accounts have different rules for withdrawing funds than a regular checking account. • You're allowed up to six transfers or withdrawals each statement cycle, three of which may be checks written to a third party. Please read your account disclosure for more details. • If you elect to receive a Capital One Money Market Cash Card;"" you can use it for withdrawals at any ATM that carries the PLUS® network logo. Q: How can I review my account? A: There are two convenient ways: 1. Register to view up-to-date account information online. We will mail your account C information once you complete the application. You will need your account number and personal information to complete your online registration. 2. Call our automated account information line. Q: Will you send me statements? A: Yes. You will receive a monthly statement showing your account activity including your Electronic Funds Transfers. Your statement may be sent on a quarterly basis if there has been no activity for at least three months. Q: How do I know my money is secure? A: The Federal Deposit Insurance Corporation (FDIC) provides insurance on deposits in Capital One, F.S.B., and Capital One Bank up to $100,000 per depositor per institution, the maximum amount allowable by law. In addition, Capital One is a leader in financial services with over 45 million customers. We have over $10 billion in consumer deposits because of the level of trust we've built with our clients. 0 rn~ ~~ rnn o~ Capital One offers a variety of ways to save: • High Yield Savings Account with great rates, no fees, and no minimum balance • No Regrets CD' that gives you the freedom to take advantage of rising rates • Traditional CD that allows you to earn more in a stable and secure way • Traditional and Roth IRAs that provide a safe investment for your retirement •AS of 06/90/06, it tlse defy b,slenoe d dYs mangy morketacoant was 5100 ar more, tlsa APY was 3.15%; If not, Use APY wag 0.00%. M Wmum HSd deposit amount iz 5100. Terms and conditions o(ihis otter are subject to change without notice. (rates are variable and are subject to change before and after account opening. Fees could reduce earnings. These products are offered by Capital One (sank arW Capital One, F.S.B., memben FDIC. "National average of APVS for money market accounts as published by BanxQuate.com as of 08/30105. ® 2005 Capital One Services, Inc. Capital One is a federaly registered service mark. All rights reserved. J _ 026 T X_ And don't forget you earn rewards on every TJX Visa® purchase! Its that easy. • Earn 5% rewards on purchases made at T.J. Marc, Marshalls, HomeGoods and A.J. Wright and earn additional rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maaac, Marshalls, HomeGoods or A.J. Wright store location. T•,~•fY1CD$( /Vlarshalls, I meGoods~ A.J Wright 028-1703 *Plase see rLe RnvarJs P~vgnm 7imu a~J Conditions in your nriyinal otter nr :vldiruinal di.clo.nre lever f r Full Jeraik. TJx Account Summary PLATINUM VISA ACCOUNT 4934-2224-9066-8657 AUG 10 -SEP G9, 2005 Page 1 of 2 Previous Balance E1,176.69 Payments, Credits and Adjustments 535.00 Transactions ;32.00 Finance Charges E27.97 New Balance E1,201.66 Minimum Amount Due E36.00 Payment Due Date October O8, 2005 Total Credit Line E1,200 Total Available Credit E.00 Credit Line for Cash 51,200 Available Credit for Cash 3.00 At your service To call Clutomer Relations or to report a lat or stolen card: 1-877-534-6841 Send payments to: Send ingwria to: Attn: Remittance Procuring Capital One Bank Capital One P.O. Box 790116 P.O. Box 30285 Sc Lotis, MO 63179-0216 SLC, U'C 84130-0285 Rewards Summary- this summary reflects transactions posted during this billin¢ cycle Previous Rewazds Balance E7.19 TJX Rewazds 08/09-09/07 E.00 Other Rewazds 08/09-09/07 E.00 Rewazds to be Issued f.00 Balance as of 09/07/05 E7.19 Payments, Credits and Adjustments 1 09 SEP Cap 1 ElearonicPhonePmt AuthDate 09-SEP E3S.00- Transactions 2 11 AUG CASH ADV. ANK/65 ASHLA CARLISLE PA E22.00 3 09 SEP CASH ADVANCE FEE - -FINANCE CHARGE 5.00 4 09 SEP PAY-BY-PHONE FEE 10.00 Finance Charges Pleare Ju reverte fide for important information ~ B~ *ata Perodu Co..erpottdttg ~f,1~ `~' n .~splKdtn .af A F11C1;1!. v PURCHASES f160.04 .0611096D 22.30% 53.03 CASH S1,D48.20 .0613796D 22.4096 (19.94 ANNUAL PERCENTAGE RATE applied this period 27.7896 PLEASE RETURN PORTION BELOW WITH PAYMENT ~as~ 0000000 0 4934222490668657 09 1201660035000036003 P(~rp.,;rtinai/ittgada3rnanb rmailrlxmgrrbr! ,a;rsgb! wb/aekink New Balance E1,201.66 Minimum Amount Due E36.00 Strett npc ~ Payment Due Date October O8, 2005 City Swm ZIP Total enclosed E ~~ Home PMne Alrecnate PMn< Account Number: 4934-2224-9066-8657 ~ #9025371589949293# MAIL ID NUMBER Capital One Bank ~ EMILY E STUM P.O. Box 790216 ~ut~~n~r~~u~uu~~~ ~+ 1 1329 DOUBLING GAP RD St. Louis, MO 63179-0216 n ~ NEWVILLE PA 17241-9758 c ~r~~nu~~un~~~m~~t~n~~nm~t~nl~~t~~nul~~t~~n~u~s~ ° s ~ut~~~m~u~t~t~u~ut~~~s~u~ut~t~t~~~n~ul~l~~t~ut~t~t~ Pleare vniteyour arrannt number on yoro rbuk m money order made payab4 to Capitol One Bank and mail in the tnrlarcd envelope. i' a. Grace Period. You will lave a mirrmun grace period of 25 days witfaut finance dtarge en rew purdaaes, new balance traretere, rew spedal purdasrav end new other darges if you pay your total 'New Balance', n accerdance wiN pro Importam Nodce for payments blow, arcl in [krte for it [o be credted by yen reM aretemmt dosing date. Them is ro grace period m cash advarare and spedal transfers. In addtlm, there is ro pace period en any trereactlm If you do not pay the total 'New balance.' b. A¢anig Flnarae Chage. Trerreedlare wWh are rat subject to a grace period are assessed flrerice dtarge 1) fmn the date of the [rarmctlm or 2) front the data the vareacden is processed to your Arrant or 31 from the first celerdar deY of the anrau Nilirp period. Adddmally, if you 6d rot pay the 'New Bdarae from the preNota billing period in full, firerae darpea condrwsa to accrue to your tatpeid balerae trail the tetpeid balance ie paid h fiJL TNs meare Net you may atl1 owe fnarae charges, even rt you pay the mdre New Balance indcated en the frrvu of your aretemrxa Dy the rexi statattaa dosing date, but did rat do so for the prevbus mmN. lhtpeid flrerae daerges dried to the appppl4y tie gnern of your Arcaan. tc. Midrtam Finanee ~g . Fa each billing period that }roar ocean[ is aub(ect to a flranre charge, a miNmum total RWaNCE (]LARGE of 90.50 will 6e imposed. If the total firerce dterpe res~ldnp from the apPliutlen of yyoouu periodc rete(s1 is Jere than 90.50, we vnll subtract thatr amass tram the 80.50 mkamun end the dffererae will be Nllad to the purhase xpt~mt of your arrant. td. 7anporary Redrotbn in Flnanae tltrga. We reserve tla ride to not assess any or all firerae dargea for any given billing pedal. 2. Average Daily Balnee (InekWiq New Nrahasal. a. Rnence charge is calculated y mridpying the daily balerae of eah segnmt of your accoux (e.g., cash advance, purdase, apedal trarefar, and special purdase) by the cerrespordng daily padodc m[e(sy tlat has Deer preNaaly dsdaaetl to you. At [ha erd of eah clay during the Mllirg period, we apply da logy pedodc rate for eah segment of yax etxxsnt to tfte dallyy mlartce of eadt aegntem. Than e[ the erd of the Nlllrq period, we add tp the rt~tits of these daily ralaledens to arrive et your periadc fireraxt daerge for serif aegnem. We edtl tp the carobs from eah aegnem to arrive at the total pedodc firerae tltarge for your eccotsa. To get the daily bderice for each seVnem of yow eccotnt, we take Nor bePaang bdarae for ends segmam and add arrtyry new trertsoctiaa and eny periodc firerice dterge caltaleted m the previas days balerr~ for that segment. Wa Nan ataStrect any peymama or credts posted u of dot day dot am allocated to that aegnam. TNa gives ua the eeparata daily belartce for eah aegnent of your accent. However, If you Id tfa New Balance dawn m your preNaa atatmraa In fill (or If your rew balerae was zero a a crept eman0, rew trereediore which poet to your purdasa or spedd purdase se(Enmta ere tat added to ifs ddlV baances. We celcWete the everet7e daily balarae by eddnp ell Nor logy balances tagedter and dvidrtg iM sun by Nor nntber of tl>e cloys in the arras bglirq cycle. To celWe[e ya,r total firerce barge, mulddV Your awrega logy beonce by tfa: daily periodc rere aril by the rsmbar of days in the bilgrtg period. Due to raragrg m a logy basis, Here may be a sgght veriaroe between rifle caleaetlm and the omoum of flrertce large actuatly assessed. b. Ii the code Z or N appeau m the irmt of W a statanmt roxi to 'Balarae Rate Appied To,' wa muddy rte .. . 6illirq Period covered by this atatemmt, we take the begirwng balance of each aepmem each deY, add any new trensacdma to each segmem, and subtract any payments or credta. (if the coda N eppeare m the hart of this stetemem rea to 'Baleroe Rate Applied To,' tone also subtract any tatpeid finance charge IndrMad in the helartce of eatlt segm ent.l TNS gives rn the dally balerae of each segment. TTan we add rW ell the dallyy baleraea for each sepnem for the Nllirg pedal entl dNde by the total norther of days In the billing period. TNa glues us the verage dally beleroa of eedt aeg~tmt. 3. AmW Peroertpa Rates IAPRI. a. The term 'Annual Percentage Rete' may appear as 'APR' m th front of Wa rtatemem. h. Ii the code P (Primal, L (3-mo. LIBOR), C lCenificete of Dapoai0, or S (Bankcerd Prime) appears m the front of Wa stetemad reM to the periadc rete(al, the Deriodc rates and cenespandng ANNUAL PERCEMAGE MTES may vary quartedy end may iroreax or decrease based m the stated indices, as lead in The We0 Sleet Jaa»a/, p a tfa margin Dyreviously 6atloxd to you. These d~ngea will be etteNve m rite first day of your Nllirtg pedal covered bV War pedodk atatemmt endng In the menthe January, April, JWy nd October. c. If the coda D (Prime), F (1-mo. LIBOR) or G 13-ma. LIBOR Repriced MonWY) appeau m the from of your statement rexi to the pedodc rate(s), the pedoek rates and correapondng ANNUAL PERCENTAGE RATES may vary monWy end may increase or decrease based en the stated irtdces, as found in The Wed Streaf Joumel, plus the margn previatrely dsdosed to you. These chengee will be effective m the first day of your hillirq period eah mmth. 4. Aasasantant of Late, Overtlrrtit and Retsmtl Payrrwrat Fees. Your account will be assessed ro more than two of the tees listed here that occur during any billing period. Under the terms of year customer agreement, we reserve the dgM to waive t t0 ea98as any fees vAthan prior rotificatim to ya, witlarrt waiNrq our right to assess the same or similar fees et s later rime. 6.'rRrwvFip You Aoeout. If a memberahp fee appears m the Trent of 1Na statemem, you have 30 days from the date tNs statement was mailed to y«, to avdd paying the fee or to have such fee credited to yea if you cerod your secant. During tNa period, you may centirsa to use your secant without having to pay the membership fee. To caned your secant, you must notify ua by cellirp our Customer Relatima Depanmem and pay yyoour'New Beleroe' in full (exditdng the membeship tee) prior to the erd of the 1Nrty-day period. B. If You Cbu Vorr Aaootnt. You can repast to dose yyour account by calling our Customer Relatlare Depanmrsn. You must destroy your credh card(s) and account access checks, cancel ell preauthodzetl filling, eM cease usirtq your accent. If yea do rat cancel prearrthodzed Nlling errengemanta, we will ca~ror receipt of a charge your auhodzetien to reoppen your accetnt. Additiorelly, your accent will not be dosed until you pay all amvunta you owe to indudrq: any trensadiore you have auNOdzed, finance dargea, past due faee, ovedimit fees, returned Dayment tees, cash advance fees and any other fees asaeseed to your ceoutt. You are responside for these amoutn whether [hey appear m your account at Ne time you repast to COae Lhe aCCOUrtI ar Ih¢y er8 IOLUffed 9la)98gUern t0 your request to dose the accem. TNs may resWt in charges sppeering m your acceutt after you have your aceent if it hea already been tlosed. For exampe, if you auNodzed a purchase from a merdunt aM wa receive the trareactim free the merdam after your accent has Gem tlaaed, your accent will be racperad, pre amourc of Ne tlmrge will he added to your acoo<ad, and YYoouu 'll be respataiNe for payment. If flare is e membersNp fee for your accoux, the fee will contiraa to ba harped, to the eaem partnftted 6y law, rntil the aceoutt balarae hea been paid in NI as deflrod above. 7. Uaip Yav Aeavud.VOUr card or acceran career be used m raa,ectbn with any knertat gamaing treraactlore. 8. Notbe Abort Eleaibortiv Gaeok Oorwrabn. When you proNde a dreek ea payment, you atafadxe us ekfter to rase infomtedan tram yrar dteck to make a as-time dedrorvc find trerefar fran yotr bank accent or to process the peymem as a tlteck tragactim. When wa the information from your deck to make an dedroriic trod trareor, finaz may be withdrevm from your bank BCGWa 99 90en 89 the same day W0 f0C¢iVe y1Mlr paymrt, and you will rat recdve your clack back from your fireraial iretituien. BIWNO RIGHTS SUMMARY Iln Case Of Firore Or Oueatlma About your Bile If you tHnk yea Nil is wring, or If you reed more Infomtatim on a traroactlen or bgl, write tv us m a separate sheet as soon as possiNe at the address for 'nquiries shown m the from of Ws almemera. We must hear fran you ro later than 80 de attar we sere you the first NN en which the error or problem appeared. Vvu can call our Customer Rdatlata rsunber, but ridng so will rot rue your dghu. In your letter, give re the idlowing nfematlen: your name and accotnt rxenher, the ddlar amoum of the suspected enar, a tlascriptim of tfa error and en explaretim, if possiGe, of wfiyy you 6dieve there N an error; or Ii yea reed mom Informatlm, a descriptlen of the item yvu era assure shorn. you do rot have to pay any amoum In quenim wNle we era Inveetigating It, but you Utl d>Ilgetad to pay the parts of ywr bill Ihat are rat In gtasrim. WNIe we Inveatigeto your question, we carrot report yea as ddirtptent or take any scrim to cdlect the amount you paaflm. l,i' Spedal Rule For Crept Card Purchases Ii yea have a proNem with the quality of property or seMrxs that you Wrdtssed yAth a crept urd end you have tried In good faith to coned the problem with the merdunt, you may have the dgM not to pay the remaiNng arrant due en the properly or aeMcea. Vou hew: this protectlen aNy when the purdtaae price was more than 550.00 and the purdus¢ was made in your home state or wftNn 100 miles ai your mailing address. Ili we own or operate the mercham, or it we mailed you tla adveniaement for the pr cry or seMces, all purdteses are covered regardesa of amount or Iocatim of purdase.) Reese remember to ei¢i all correspondence. t Does rat appy to consumer non-credit ce d accounts Y Does rot eppty to business non-credit card ece¢unls One atpporta infomtadm privacy prataclim: see our at www.wgptalone.com. One is a faorally reegqiatared eeMca mark of Caphal ender Coryoradm. fUl rights reserved. 0 2003. _ _ ._ O O at 1-tp rn~ o aN Inpertarl Notloe: Payments yw mall w ua w111 be credted to your accent as of the budnecs day we racdve It, prvNded (1) you send the bottom porden of Wa natemmt aM your deck in Ne eralosed reminmca envdope and (2) your Payment is received In our pproceasirtg cemer by 3 p.m. ET 112 noon PT). Reese allow et least flue (5) business days for postal ddlvery. Payments received by tie n any other locadon or m any other form may not be credited as of the dsyy we receive Nam. Our buainesa days are MoMay tfuough Saturday, excluding hdidays. Reese do rat use stapes, paper dips etc. when prepanrp Your payment. When You aeM tie a checkle), You authorize re to make aor~-lime electroroc tranaier debit tram your bank accoum for the amorm of the check TNs aulhorizatim apples to all checks recetved durutq Ne billirp cycle even it sent by someone else. If we career process the transfer, you auttarixe us to make a charge against your bmk acceted using tfa check, a paper draft or other item. Are you getting the most for your money? ,zo $yss too Annual Interest Earnings on a $5,000 Balance ( ao `~) 60 $6 40 $3 zo $12 0 3.30% APY* 1 %APY** 0%APY 0%APY Capital One® Money Market Account National Average Bank of America' Wachovia• 201572 Compethor comparison information pulled from www.hankofamerica.com and www.wachovia.com as of 0&D2/U5 using New lbrk Money Market Account AWs. AWs assume 55,000 account balance. 'the above non-Capital One service marks are owned by each respective entity. All rights reserved. Capital One has no affiliation whh these entities. EMILY E STUM, Page Z of 2 Earn more the No Hassle way • 3.30% APY • Open an account with as little as $100 • No opening or account maintenance fees • Easy access with checks or ATMs Because you are a valued Capital One customer, we think you deserve better-than-average earnings on your savings. Put your hard-earned savings into a Capital One Money Market Account and enjoy a 3.30% Annual Percentage Yield (APY).* Don't settle for anything less. With the Capital One No Hassles"' promise, getting more for your money is quick and easy. All you need to open an account is $100 and there are no account opening or maintenance fees. Plus, you'll enjoy convenient access to your money through checks or ATMs. And, you can rest assured your money is in good hands-because, as with all our savings products, you'll have the security of FDIC insurance. Take advantage of our great rate and get the most for your money by opening a Capital One Money Market Account today! Open a Capital One Money Market Account and start earning more interest right away. Call toll free 1-866-581-7321. Or visit us on the web at vwvw.ca ~talone.com/savi ngs. a 201572 3.30% APY You owe it to your money to open a Capital One Money Market Account. Your money will pay you back ... with (great) interest! ~ Call 1-866-581-7321 `~ Or visit us on the web at www.capitalone.com/savings Monday through Friday, 8:00 a.m. to 8:00 p.m. ET • Saturday, 8:00 a.m. to 2:00 p.m. ET MEMBER FDIC Capital One Bank Capital Capital One, F.S.B. ng5" High Yeld Savings Accounts !Money Market Accounts ~ No Regrets CDs !Certificates of Deposit ~ Individual Retirement Accounts Questions and Answers about the Capital One Money Market Account. 0 m~ .- m ~i n oa Q: What is a Capital One Money Market Account? A: A Capital One Money Market Account offers more competitive rates than a typical savings account while also providing check-writing privileges and ATM withdrawals. There are no fees to open and maintain a Capital One Money Market Account; however, there may be fees in other circumstances. Q: What type of money market account can I open? A: Capital One offers individual, joint and business money market accounts. Q: How do I make withdrawals from my Capital One Money Market Account? A: Money market accounts have different rules for withdrawing funds than a regular checking account. You're allowed up to six transfers or withdrawals each statement cycle, three of which may be checks written to a third party. You may also use a Capital One Money Market Cash Cards"' (not available for business accounts) to make withdrawals at any ATM that carries the PLUS network logo. Upon opening your account, just check the box or let your Capital One Savings Expert know if you elect to receive the Cash Card, checks or both. Q: How can I review my account? A: There are two convenient ways: 1. Register to view up-to-date account information online. We will mail your account information once you complete the application. You will need your account number and personal information to complete your online registration. 2. Call our automated account information line. Q: Will you send me statements? A: Yes. You will receive a monthly statement showing your account activity including your Electronic Funds Transfers. Your statement may be sent on a quarterly basis if there has been no activity for at least three months. Q: How do I know my money is secure? A: The Federal Deposit Insurance Corporation (FDIC) provides insurance on deposits in Capital One Bank and Capital One, E:S.B., up to $100,000 per depositor per institution, the maximum amount allowable by law. In addition, Capital One is a leader in financial services with over 45 million customers. We have over $10 billion in consumer deposits because of the level of trust we've built with our clients. Capital One offers a variety of ways to save: • High Vield Savings Account with great rates, no fees and no minimum balance • No Regrets CD• that gives you the freedom to take advantage of rising rates • Traditional CD that allows you to earn more in a stable and secure way • Traditional and Roth IRAs that provide a safe investment for your retirement •As of oar021o5, B Bte deNy beletsca of this money medcet exantwas 5700 ar mae, Qa APY was 9.30H.; H not, tha APV was 0.00%. MNmtm Wtlal depostt amount is f100. Terms and conditions of this ofler are subject to change without notice. Rates are variable and are subject to change alter account opening. rvres could reduce earnings. These products are offered by Capital One, Fs.B., and Capital One Bank, members FDIC. °National average of APYS for money market accoums as published by Banxpuote.com u of 0&02/05. ® 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved J _ 028 T X And don't forget you earn Its that e ~ rewards on every TJX Visa® purchase! "~' • Earn 5% rewards on purchases made at T.J. Maxx, Marshalls, HomeGoods and A.J. Wright and earn additional rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxx, Marshalls, HomeGoods or A.J. Wright store location. T•~•fY1CD~( /VlarShallS. I ome( ds A.J Wright 028-1103 •ri~,~,se t~~r a.,..M, r.-asr.m ~rz~m. a~a caaa„~~~,. ~,~~, ,r~y~.i or&, a,.,.ra~aoau anxiarnrc i..,r.6,.6~u v<ra~i~ Caplta- Q ~ TJX Account Summary Previous Balance 51,201.66 Payments, Credits and Adjustments 536.00 Transactions 510.00 Finance Chages 522.51 New Balance 51,198.17 Minimum Amount Due 535.00 Payment Due Date November 09, 2005 Total Credit Line 51,200 Total Available Credit 31.83 Credit Line for Cash 51,200 Available Credit for Cash 51.83 At yow service To all Customer Relations or to xport a lost or stolen mrd 1-877-534-6841 Send payments to: Send inquiries to: Atm: Ranittance Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, UT 84130-0285 Important Account Information Want to make a difference this November? VOTE'. Your vote is important, so get out thereon November 2.Only you can make sure your voice is heazd. Every vote counts? PL,4TINUM VISA ACCOUNT 4934-2224-9066-8657 SEP l0 - OCT 09, 2005 Page 1 of 1 Rewards Summary- this summary reflects transactions oosted durinst this billirt¢ cycle Previous Rewazds Balance 57.19 TJX Rewazds09/08-10/06 5.00 Other Rewards 09/08-10/06 5.00 Rewazds to be Issued 5.00 Balance as of 10/06/05 57.19 Payments, Crediu and Adjustments 1 07 OCT Cap 1 ElearonicPhonePmt AuthDate 07-OCT E36.00- Transactions 2 07 OCT PAY-BY-PHONE FEE ;10.00 F'ulattce Charges Plcare ne reverre tide for important information Balaivc ~ Prriodu Con .rpanda+g ~~~~ N .laplirdro +ah .fPR e PURCHASES 5170.04 .06178%D 2255% 53.15 CASH 51,039.88 .06205%D 2265% 519.36 ANNUAL PERCENTAGE RATE applied this period 22.6495 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~~ 0000000 0 4934222490668657 09 1198170036000035008 New Balance 57,198.17 Minimum Amount Due 535.00 Payment Due Date November 09, 2005 Tonal enclosed S Account Number: 4934-22249066-8657 P/asepintauil'ngadhrrra~ r~mailrAaxgrrbr! raingb(worbla~kirsk Steer Apc Y Gry Sur< ZIP Nome Phone Alrernsu Phone 9 Emsil Addrera #9028271589949292# MAIL ID NUMBER EMILY E STt3M Capital One Bank ~ P.O. Box 790216 ~ur~~u~~uu~~u~~r~ ~ a 1329 DOUBLING GAP RD St. LOt119, MO 63179-0216 n aaaaaa~ NEWVILLE PA 17241-9758 ~r~~nn~~nn~~~ur~~r~u~~mu~t~ur~~r~~uur~~r~~u~n~r~ ° ~ ~ur~~~m~n~r~r~u~m~~~r~u~ur~r~r~t~u~nr~r~~r~ur~s~s~ Pleare vnife yow account nambn on yaw check m money mdn made payable to Capital One Bank and moil in the enclared envelope. r O ~~ I n~ N t` o a~ pedock rate. To obtain the average daily balance for the billing ppeeriod covered by Chia sretemem, wn take the begiasng balarwe of each sepnerd sent day, add any row irortnaliore to sent ae(Fttent, and alnrad any payments or credts. 11f the code N eppeero an the flan of 1Ma natemeM next to 'Balance Rate Applied Ta,' we alx st6trem any trpeid finance charge irtduded m the balance of sent eegm~nt.) TNa gives to the tlagy balance of sent aegnem. Then, we add up all the dailyy balances for sent segnem for the tllling ppeeriod and dNde by the total rsanbar of days b the bilgng period. 7Ns gives us the averaggea dally belertce of sent aegnent. 3. Mary Prerrtapa Rata (APR4 a. The term 'Amual Percentage Rete' may appear as 'APR' m the from of Mia natemant. b. If the code P IPrime), L (3-mo. LIBORI, C (Certificate of Depoah), or S (Benkcerd Prime) appearo an the trend of this natemem next to the pedodc stele), the pedock rates and corre~pondrq ANNUAL PERCENTAGE RATES may vary quenedy end may increase or dxrease based m the stated iMcea, ea lard in The Wa Street Jorurtel, pw the margin Dyreviady dadosed to you. These tltengaa w/E be effectlve on tlu flrot deV of your tlgirg period covered by your pedodk statement endng In Uu months Jaaury, April, JWy and October. c. Ii the code D (Prime), F I7-mo. LIBOR) or G 13-mo. LIBOR Reprku0 MontNy) appearo an the fray of yea statement next to the pedodc rate(s), the MdT6cme~ and cerraspondirq ANNUAL PERCENTAGE RA y very montNy anndd may iroreax or dxreex based on the noted indces, ea found in The wan Srreet /aran•t doe the margin prevfately dxlosed to you. Thasa charges will be affective m the fiat daV ai your billing period sent month. 4. Ascawrrrlt of Later Ovafirlt anti RaWntl Paynrart Fan. Your accent will he encased ro more Men two of the tees listed hem that ccur during any tllling period. Under the terms of your cuataner egraemeM, ve rexrve the tight to t to aaaen any teas without for rotificatian to you vn'ihout waiNrg our tight to aness the acme ar similar tees at a later time. 6.'rRarwtg Vw Atoornt. If a membeshp fee appnro on the front of tide statement, you have 30 days trap the date Chia statement was mailed to you to avoid paying the tee or to have assts fee credted to you it you cancel your acount. Durirq this period, you may continue to tee your ecotrn without having to pay Me membesNp tee. To caned your accent, you insert ratify n by calling our Cunomer Rdationa Depanmem and pay your'New Balance' in fill (exdudrg the membership fee) prior to the end of the 1Nny-0ay period. e. H You Cbn Van Aoorant. Vou ten request to dose yy r account by calling our Customer Relatlae Uepanmant You must destroy your credit card(s) and accent access ducks, cancel all preatnhonzad billing, and cease usirtP your accotnt. Ii you do not cancel preauthorized bllirg anergements, wa will consider receipt of a Marge your atnhodzetim to reopen yyour xcant. Addttiarully, Your ecoum will tut be daaed until you pay ell amounts you ows to indudirg: any trereaaiats you love atnltodzed, flrertce charges, past due fees, ovenimit fees, resumed payment fees, cash advance fees and any other fees anened to your secant. You are reaportaitle for Mese amounts vfiether they appear an your a count t the tlme you request to close the eccotnt or they arealrourred subsequent to your request to dose the accetan. TNa may reaWt In charges appeadro m your account after you have your xcetnt it h has already been dosed. For exampe, if you etModzed a ptudun from a mercfleM end we receive the trermctlm iron [fu marduM after your secant has been dosed, your scant will be reopened, the emotnt of the darge will be adrkd to your eccaan, end yyoouu wig be rtx{wrvaide for payment. If there is a membeship fee for your atxant, the foe will contaxle to be Merged, to the at¢eM partrtittad by law, tndl the secant balance has been peiA In ftll as defined above. 7. Uaip Yotr Aaoanl.VOUr cem or eccotm carnet be teed in ceratxtim with any Internet gam611rg trermctbrre. 8. Natlea Abet F7aabordo gtaok Cawaaion. When yw proNde a Meek es payment, you authorize us ehher to tee infomtadm tram yar Mxk to make a otu-time electroric find nerefer Iran yar bank scant a to process the payment as a Mxk travecdan. When we un inPomtation from yar dtxk to make an dectrordc ftnd trarefer, ftsd9 may M wiMdrewn fran your bank scant es son as the same day we rxeiva your payment, and you wia not receive your duck back from you flrencial irednrtian. BIWNG RIGHTS SUMMARY (In Can Of Enos Or Questions Aban Vaur Bil0 If you tNnk Yore bNl is wring, or Ii you ncetl more Inlormatlon an a trareaction or tlll, write to us m a separate sheet as soon as possitle at the address for rpuiries ahovm m the iron of Wa statement We mret hear fran You ro later than 80 days after we sem You the first bill m wAdch the error or problem appeared. Vw can cell our Customer Rdedore rxanber, but tiring x will not preserve your dghe. In your letter, give re the fdlowirq information: your name and accent number, the tidier emotnt ai the atrspected error, a dexridim of its error end an exparetian, li poasitle, of why ynu believe there is en error; or it you need more Iniormatian, a desctlptlan of the hem you ere unsure abort. Vw do not have to pay any amotnt in quenim untie we are inveatigavrq It, but you re adll obggeted to pay the papa of your bill Met are not In queailon. WNIe we investigato your queadon, wre tenant report Vau as deanµunt or t ka any acdm to collect tM amount you question. t,t Specbl Fkla for Credt Cam Purchases If ynu have a pratlem with the quality of property or xMcea that you purdused WdM a credt card anti you have tried N good fahh IO COnxt iha prONem WIM the merchant, you may have the tight not to pay the remeiNng mart due m the p ny or nMcea. Vau have Wa protectlm oNy when the purMeae price was more than 960.00 and the purtYUSe was made in your home nne or within 100 miles of your malting address. Ill vde own or aperete the mercham, or if we mailed you the advertisement for ifu properly or xMces, all purdusea ere covered regardna of amount or lacadoo of purduae.) Hear remember to sign all correspondence. t' Oces not apply to ransomer ran-credit cant accounts 2 Goes rot eppty to business ran-credr7 card eccoants One alpporta information privacy protenion: rte our at vvww.capptalona.com. One is a federally registered seMCe mark of Capital andal Corporatlm. All n¢tw reserved. 0 2003 One O1 LGLBAK 1. How To Avid A Fnanoe Chrga. 'r e. trove Priori. Vw will have a midmum grace period of 25 days without Rnence charge m ruvv pumluxs, new balance trarefero, now spatial purMaaee and new other durgn if you pay your reel 'New Balance', in BCCOrdarll:e With tllB IrnportaM Notice far paymens bdOW, and in time for h to be credted by your roxt statement dosing date. Them is ro pmts period m cash edvaMCa and spatial trtrefaro. kt atld[lon, there Is ro grace period m any trareactlm If you do rot pay the total 'New balance.' b. Aoortaltg Fttawa Charge. Trereactksn wtiM ere rot eltb)ea [O a Brace period ere esaxsed flnartce dterge 1) from the dare of the [reruxtlon or 2) from the date ttu trereaction is Drocesaed to yeu Accetnt or 3) tram stns firer celerder day of the arrrax billing period. Addniorelly, if you rid rot PeY the 'New Balance' iron ifu Prevloua billing period in fWl, finance Merges continue to accrue to your taped balance uMl the trlpaid balance is paid in ital. TNa mcere that you may arifl owe fireroe Merges, even if you pay tM enure New Balance ktdceted m the trord Of your sretemeM W the next sreternax dosing data, but rid net do x for the previae mints. Urtpeid flrerxre Merges re added m the appppYflcetle aegnent of yotr Aoootnt. ~'c. Mi+intun Finanw Chrgo. far each tlllirq period that your atxant is stLjoct to a Matte Marge, a miNmtm total RNANCE CHARGE of }0.60 will De Imposed. If ties total flrorx;e Burge realtlrq from the appllcetlm of yyonuur pedodc rate(s) is lass than 80.60, we will subtract riot amant from the 80.50 miNmtan anti the dfferatce will be bgled ro the purdreao aagt~an of yar secant. 'r' d. Tarsarary Raduotian in Fart • Wrgs. We reserve the d t m not assess any or all finance dterges for any given billing period. 2. Avraga Daily 84anw (kraYrdnp Naw Hrahnnl. e. Rnance charge is calaaated y mdupying the daily Dalartce of sent xgitem of your secant (e.g., cash advertce, purduse, apadal Lrarefer, end apadal ptuMase) by the cenespardng daily pedodc rne(s) Mat has been preNotely dsdosed ro you. At the ad of sent doy doting the billing period, we apply the elegy padodc rate fo eats segnent of your accent to the dailyy talence of eats sagnard. Then et the anti of the Nlllrg period, we add tp the rnWta of these daily celaladore to emus at your pedodc finance Burge fa sent sepnent. We add ttp the resuhs from sent segment m arrive at tlu toml pedodc firertce Burge for yotr ecotra. To got the deilY balance for sent aeOnem of Vour ecotrd, vve take the begmirg bebnce for eats aegnan[ and etld anyy now trareactiore anti any pedodc Rrertce Burge celalatad on the Dreviae day's balertce for that ae{ntent. We Men abtrect any payments or credta posted n of Mat day that are allocated to tlut segment. TNs give re the separate dogY boleros for aedt aegnent of your avant. However, If yw pakl the New Balance ahovwt on your prevlaa statement In fill (or if your rew balance was zere a a credt amotnU, row trareectiae whits poet to your purMase or apedal pun3use sepnanta am rot added to the daily balances. We celalete tfu averega daily boleros by adtfug ell the dopy balances together end dvidrg the sun by the rxrNier of tfu days In tlu arreM Nllirq eyrie. To etiolate your tad firerce charge, mWddY Your average defy balance by the daily pedock into and by the nether of days in the bilgng pedtd. f)ve ro rousting an a daily basis, them may be e slight dance between this calculation and the amotnt of flrorce dorge ectuasy aaaened. b. If the code 2 o N appears an Me horn of tNe statement rea to 'Balance Rate Applied To,' we mW[idv the Irtpatml Notiw: Paymema you mail to ua will be crednetl to your acaatt as of the Welnen day vve recdve h, proNdad (1) you send the bottom pottlon of tNa netanent and your duck in the enclosed remittance envelope and l2) your peymem Is rxdved b our pprocesskp caner by 3 p.m. ET (12 roan PT). Please allow at least Eve (6) business days for postal delivery. Please do rnot use ate u~at any other bcavon or m any other tarts may not be credited as of the de vve rxeive them. Our bttdresa days are MarMey Mrough Snurday, excludng Mlidays. d paper dips etc. wfien preparing your payment. When you sent ua a check(s), you authorize re to make aerie-ume electronc tronster debt Iran your bank account for the amaatt o~ Me check TNa authorization apples Io all clucks ecerved during the biliirg eyrie even if sent by someate else. If wa cannot process the treretar, you authorize us to make a charge against your bank aaatm using the duck a paper draft or orlon item. J ,.__ 028 T X And don't forget you earn Its that e ~ rewards on every TJX Visa® purchase! "'~' • Earn 5% rewards on purchases made at T.J. Maanc, Marshalls, HomeGoods and A.J. Wright and earn additional rewards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Marc, Marshalls, HomeGoods or A.J. Wright store location. T~•n1CD~( Marshalls. meGoods A.J Wright 028-1103 ~neak s~ ,rye w,.~„n, rms.,o, ~r mr. aid cn~nn~o„: ~s yo~~, .,dy~aa orr . ~..,,w~,~„~a n~.~i~,~rc i~.,.. r , ran drr~~r~ C7plta~ Q ~' V PLATINUM VISA ACCOUNT OCT 10 - NOV 09, 2005 T T J~ 4934-2224-9066-8657 Page 1 of 1 Account Summ J 1 1 Previous Balance 51,198.17 Payments, Credits and Adjustments E40.00 TmtLVactions E.oO Finance Chages E23.00 New Balance 51,181.17 Minimum Amount Due E35.00 Payment Due Date December 09, 2005 Total Credit Line E1,200 Total Available Credit E18.83 Credit Line for Cash E1,200 Available Credit for Cash 518.83 At your service To call Customer Relations or to report a lost or stolrn cud: 1-877-534-6841 Srnd payments to: Send inquiries to: Attn: Rernittanee Processing Capital One Bank CapiutOne P.O. Box 790216 P.O. Box 30285 St. LouB, MO 63179-0216 SLC, U7 84130-0285 Rewards Summary- this summary reflects transactions Hosted durin¢ this billin¢ cycle Previous Rewazds Balance E7.19 TJX Rewazds 10/07-11/07 E.00 Other Rewazds 10/07-11/07 E.00 Rewards to be Issued E.00 Balance as of 11/07/05 E7.19 Payments, Credits and Adjustments 1 31 OCT PAYMENT RECEIVED -THANK YOU E40.00- Take control and pay your Capital One aedit card bill online for free. Eliminate the hassle of writing checks, finding statnps attd sealing envelopes. Everything you need to access, review and pay your bill is available online. Our Web site offers you a convenient, simple and secure way to manage your account Visit www.capitalone.com and register your account to start simplifying your life today! As a valued Capital One customer, you aze eligible to receive a free Yeaz-End Summary for this specific account that recaps your 2005 chazges, 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 January 2006. Pittance Charges Pleaaeree reverreaidefor important information t- Balarr<rsct gopJirdro Po;odir rat C spondmg ~lf,~l `~' PR l:Y1A1CliP, a PURCHASES f172.67 .06178%D 2255% f3.31 CASH (1,023.76 .06205%D 2265% (19.69 ANNUAL PERCENTAGE RATE applied this period 22.6396 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~~ 0000000 0 4934222490668657 09 1181170040000035001 New Balance E1,181.17 Minimum Amount Due E35.00 Payment Due Date December 09, 2005 Tonal enclosed S ~~ Account Number: 4934-2224-9066-8657 Capital One Bank P.O. Box 790216 ~nt~~n~~u~n~n~~t~ St. Louis, MO 63179-0216 ~t~~snr~~uu~~~ut~~r~n~~uur~r~m~~t~~nus~~t~~u~n~t~ Plrasepriatmai/'ng~ a~ r-ma~ldsmrq,bebr»windb! orblarkirsk Stmt Apc Y City State ZIP Home PMm Alumna PMne 0 Email Addrae ~ #9031471589949293# MAIL ID NUMBER ~ EMILY E STUM ~ 1329 DOUBLING GAP RD ~„ ~ NEWVILLE PA 17241-9758 nt~~~m~n~t~t~u~nt~~~t~u~ut~t~t~t~n~nr~r~~r~ut~t~t PJeare eariteyour atrount numbo on your rhetk m money order madepayable to Capial One Bank and mail in the enrla<d envtJofe. 7. How To Awid A Fnanoe Charge. t a. Craoe Priori. You wgl haw a mirimun grace period of 25 days vhtfaut flrortce dtarge m new purclresea, new balance trarofere, rew spedal punyteses end new other dterges if you, peV Vour total 'New Bolartce", in eccenlarxre vets the Importer! Notice for payments blow, and in time for it to ba credrod by your next sretemen[ doairg date. There is ro grece pedal en msh advartcea end spedal trerofers. M addtian, them Is ro grace period m any irereactlon if you do not pay the total 'Now balance.' b. Aoarriry Fkvtoe Charge. Trermaalarta which are not sub)x[ to a green period are esaeax:d Manta charge f ) from the date of the trertxctlan or 2) flan tM date ifs: traroectien is proceaxd to you Atratnt or 3) from the firer celertdar Bey of the wrtent Nllirp ppeeriod. Addidorolly, if you rid rot pay the 'New Belartce front the preNan billirq period in fWl, firance Borges corldral8 to acerue to your tnpaid belarrxr utdl the utpaid balance ie paid in full. This mearo that you mayy sdY owe fYreruxi charges, even if you pay the entire New Belartce irciceted en the from of your matemem by the next atatemeM dosing date, but rid rot do x for the preNars month. Unpaid Marne cltargea added to the a Ne sagrneru of gar Atxant. 1' c. Minimen FFirrae rye. For each NIYrq period that gar accaan is xbJect to a tktenca charge, a mirtkrrrm total FlNANCE CHARGE of 30.60 will ba Imposed. If the total flnertce dtarge resWdnp from the epplicatlen of gynaur periodc rate(s) is lass then 90.50, we will subtract thatr emoum fran the 30.50 mktimun and the 6fferezx;e will be billed to the puniaae em of your exaratt. t d. Terrperry ReaYrotisn in Fnanoe (rirye. We rexrve the 'gM ro rm asxx any or all flronce dtaryes for any yven billirq period. 2. Avraye Deily Balrtae Ilnalud New Puahtneal. a. France charge is calalated y mtidplyfng the daily balance of eats xgnent of your axars (e.g., rash dvaraa, purchax, spadal trarofer, and spedal purclresel by the corresportdng daily periodic rete(a) Mot has Itcen preNady dsdosad to you. At the end of eedt doryy during the filling pedotl, wa apply the daily pedaflc re[e for eadt aegnent of your axaau to the drily b~artce of eadt aapnent. Than et the end of the NYrnp period, tva add t4 the reaWts of tireae daily celelotiaro to arrive et your pedixic finance cltargo for eadt segneM. Wa add up the resits from eadt sep~tent to arrive m the total periodc finerxx Uterge fir your atxent. To gat the daily balance Mr eadt soArrem of your atxxxm, wa take the bepimirq balance for eadt sognan and add arrtyry row treraaaiaro and any ppaadock Rrortce dterge celalated en the preNous day's bolarxat for that aegrten[. We then aubtrea any payments or credts Posted as of the[ Bey Mat ere allocated to that segmern. TNs gives ro the aepsrete dally UWertce for eadt segnern of your accarn. However, If you d the New Balance shown en you preNOUS aretemrrn in 1 (or If your raw balance was zero or a credt amtxnU, rew veraectioro wNrh post to your purdux or spade) purdiex se¢nents are not added to the daily balances. We celesere the everepe daily belartce by eddng aY the daily 6alertcea !agents and 6Nd'utg the sun by the nntbar of the days in the turret! NYing cycle. To calculate your total fironce tlmrge, mWtiplY You averege daYY balance bV the tloily periodc rote and by the ember of days in the tiling peaod. Due to mooing on a daily basis, there may be e sYgM vanerce 6enveen ass ralasatlen and the emourx of firortce d[erge ecntally assemed. b. Ii the code 2 or N appears on the front of Ws autement rora [o 'Balance Rata Applied To,' we muitlply die . . ppeeriodc rate. To obtain the average logy belerxx: far the 6illirq Poriad covered by Wa natemem, vre take the hegirnrtg balance of oath aegmem ee h day, add any new transactions to eatlt sep~~em, end etbtrad any peymems credta. 11f the code N appears m the lrmt of ibis ataterrorrt next to 'Balance Rate Applied To,' we alx aubtrea any trpaid finance charge intluded in the balance of each aegneM.) TNs give to the daYy belarx:e of each aegnem. Then, we add up all the daYy balances for each xgneM for the Nllirq ppeeriod end dNde by the total nunber of days In the Nllirp period. TNa gives tw the verege daily balance of eadt segment. 3. AmN Proealaye Race IAfMt4 a. The term 'Amtul Percentage Rate' may appear ea 'APR' on the front of Wa natemem. b. If the code P (Prime), L 13-mo. LIBOR), C ICenificete of Deposit), or S (Bankcard Prime) appears en the iron of tNa statemem roxt to the periodic rate(s), the pariedc rates and cerrespondrq ANNUAL PERCENTAGE RATES may vary querteriy end may increax or dxreax based en the stated mdcea, as found in The Wal/ Sweet Jowrrel, plus the margin ooreNauely 6adosed to you. Thai barges w1Y be ettactlve en the first day o1 your Nllirp padad mwred by your periodc sutement erring In the months Jarxrary, April, JWy and October. c. If the coda D (Prime), F 11-mo. LIBOR) or G f3-mo. LIBOR Repdoed MentNV) appear en the front of your statement next to the pedodc rate(s), the pedodc rates and cerreapondrq ANNUAL PERCENTAGE RATES may vary mamNy and may iroreax or decreax based en the stated iMxre, ea found in The Wel/ Sweet Jownel, plus the margin PraNoualY dsdosed to you. Thex changes will be effective en the fits day of your 6illirq period eadt momh. 4. Aaseaamrt of Lana, Owrfimit ant Rabanad Payrrrta Fws. Vaur accent will he assessed ro more than two of the fees listed here Mat occur during any tilling period. Under the terms o/ your cuatamer agreement, wa rexrve the ngM to waive or not tt asxss any tees without prior rotlflcatien tt you wits t weiNrq our right to assess the same er similar fees et a Teter time. 5.tRaraawkty Yar Aocaat. If a membersNp fee appears en the free of Ws statement, you have 30 days tram the fine tNa statement was mailed to you to avdd paying the tee or to hew such fee credted to yw it you cancel your account. During this period, you may continue to use your eceotnt withou hawrp to pay the membership fee. To cancel your axamt, you must notify us by telling our Customer Relations Department end pay your 'New Balance' in full (excludrq the membesNp fee) prior to the end of the Wry-day period. 8. If You Cbae Yaw Assert. You can requen to Box your account by celllrtg our Ctmtomer Relatiorre Department. You must destroy your credit cardlsl end exert access dtecks, caned all preeufwdzed tilling, and caex using your accarn. It you do not cancel preauhorized bdlirq arrangements, we will consider receipt of a charge your authorization to reopen your aceoum. AddkienallV, Your account will rat be dosed until you pay all amounts you owe us including: any tranxaiata You haw eutfadzed, finance charges, Past due tees, ovedimit fxa, returned Oaymem fees, cash advance fees and any mbar fxa asxsxd to your axoum. Vou era reaponside for these emama whether trey appear en your account at the time you request to clox the accorm or they are Incurretl atbaequam to your request to clox Me account. TNa may reeWt in charges appearing en your accent aher you have your atxxxatt if ii has already bxn dosetl. Tor example, if you authorized a purtltax from a merdam and we receive the trerreactlon fran the menitam aher your ecrnrt has been dosed. Your exert will ba reopened. the amount of the clterge will be added to your accent, mnd you will 6e reapontiNa for payment. If there is a embership fee for your atxxxaa, the tee wGl contkale tp be cltergad, to the extam pannitted by law, tntil the aceeax balance nee bean paid in fWl as defined above. 7. Usiq Yar Aoaoun.Your card or accoun cannot be used in corrtectlort MM any knamet gamNkg trereectlan. 8. flodoe Abort Deaborto CMok florrvenisrr. When you proNde a Brack ea payment, you arufnrize u9 ehfter to tare information irorrt yrxu clteck to make a ma-time clearoric fud trerofer from yer bank etxxxtm or to process the paymem ore a Brack treroactien. When we use infomation from gar CFreck m make an dearoNc nattl trarofar, futdi may be witfxlrewn from your bank accetrtt as soon as the same Bey vre ret~ive yaw Syr ~trnend y ~I~rgt receive your tlrack beck from &WNG RIGHTS SUMMARY m Ca ~Ok Eno ~Or Ouastiena Abotn Vour BIID you you ng, or if you need more Iniormailen en a trarmealon or NII, write to us en a separate shxt as xen as poaside at Me address for irgWriea shown en the front of this statement. We mtLSt fwar from you ro later than fiQ deya alter we seen you the first bill en vMch the error ar proNem appeared. Vau ten call our Customer Rdatiag nunher, bn ddrq x will not Preserve your rigMa. M you letter, give to the fdlowirg mtomtellen: ywr name end accent aanber, the ddlar amorrn of the auapeaed error, a deacriptien of the error and an explanatien, if poasiNe, of whyy you 6diew Mere is an error; or rt you nxd more Infomtaden, a dexdpden of the Item you are unsure aban. Yw do rwt haw to pay any smart In queatlen wfiile we are inwatigaUn9 it, htn you re still oMigatad to pay the pens of your bill that are rot n queailen. WNIe we Investigate your queailon, we ramot report Notr as delingrrntt or take any salon to cdlect tfr amount you questien. S,t Speaal IAie fcr Credt Cab Purausea If you Mw a ProNem vAth the qualltV of Property a xrvices then you purdased with o credt card and you hew tried In good faits to correct the prodem with the mertdtent, You may have the dgM not to Pay the remaiNng amt due en the proppeerty or xMcee. Veu haw Wa protection only when tM purdux price was more than 350.00 and fhe Wrcltex was made in your home state or within 700 miles of your meilirtg addrex. Ilf we oven or operate the merchant, or if wr: mailed yeu the advenisemem for the pr ny or xMCes, all purtlmaes are covered regardess of amount or locadan of purchase.) Pleax remember to sign all correspondence. i' Does ref eppty to conwrrrar rwn-credX card accounts 2 Does rot appty to business non-credit card accounts One atppona infortnatien privacy protection: ax our i at www.capprrtelone.com. One is a tetlerelly reegqstared xrvica mark of Capital uruial Coryoreden. NI ndtta reserved. 0 2003. _ -,. O ~ o, ~ ~ ~~ p ~ tV IrrparWn Nodoe: Paymems you mall to us will be cretlned to your accent as of the busineca day wo receive n, proNded (1) you aerM the bottom potion of Wa statement and your dteck in Me enclosed remittance envelope ant (2) your Payment is received In our pprocessing asner 6y 3 p.m. ET (12 noon PT). Please allow at leant five (5) busktesa days for postal delivery. Payments received by us el any other Ixaban or rn any other form may not be credited as of the dory wro receive Mem. Our bueineae days are Monday Mrwyt Saturday, exduirtg hdidays. Please do rtot use staples paper dips etc. vdren prepanrp your payment. Wlafn you send us a dtack(s), you authorize ue to make a me-nme dearordc trartafer debt tram your bank accaan for !Fie amain o~ the cttec This atnltorizatien apgtes to all duke recaved dunrq the billing cycle even if xnt by eaneane else. If we carrot prxese Ma trerufer, you authorize us to make a charge against your bank accent using the chxk a paper dreri or other item. J _ 028 T X And don't forget you earn rewards on every TJX Visa® purchase! Its that easy. • Earn 5% rewards on purchases made at T.J. Maaac, Marshalls, HomeGoods and A.J. Wright and earn additional rewards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J, Maroc, Marshalls, HomeGoods or A.J. Wright store location. T~•m~ Marshalls, A.J wri~ht 028-1103 ~rieax ax a,e w...,aa r.agram r.m<a~a ~se„~~o, ~a,a~, ~„i~aai atr ~„ aadm~eai a~.aoWn te,rN ~, tin aeM~m TJx Account Sttmmarv Previous Balance f1,18L17 Payments, Credits and Adjusrmenu 5100.00 Transactions 5106.00 Finance Chages 536.68 New Balance 51,223.85 Minimum Amount Due 536.00 Payment Due Date January 09, 2006 Total Credit Line E1,2A0 Total Available Credit 3.00 Credit Line for Cash 51,200 Available Credit for Cash 5.00 At your service To call Customer Relations or to report a lost or stolen nrd 1-877-534-6841 Srnd payments to: Srnd ingwria to: Attn: Remittance Processing Capiml One Bank Capital One P.O. Box 790216 P.O. Sox 30285 St Louis, MO 43179-0216 SLC, LJT 84130-0285 PLATINUM VISA ACCOUNT 4934-2224-9066-8657 NOV 10 -DEC 09, 2005 Page 1 of 1 Rewards Summary- this svmmarv reflects transactions oosted durin¢ this billin¢ cycle Previous Rewazds Balance 57.19 TJX Rewazds 11/08-12/07 5.00 Other Rewazds 11/08-12/07 5.00 Rewazds to be Issued 5.00 Balance as of 12/07/05 57.19 Payments, Credits and Adjustments 1 25 NOV PAYMENT RECEIVED - THANKYOU E100.00- Transactions 2 07 DEC CASH ADV. T/9 W BIG SP NEWVILLE PA 542.00 3 07 DEC CASH ADV. BANK/269 PEN CARLISLE PA 42.00 4 07 DEC CASH ADV. BANK/269 PEN CARLISLE PA 22.00 5 09 DEC CASH ADVANCE FEE - -FINANCE CHARGE 15.00 As a valued Capital One customer, you are eligible to receive a free Yeaz-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 January 31, 2006, to reserve your copy for this account. Orders will be mailed out by the end of February 2006. Finance Charges Please tee reverse tidefor important information Balann rah Prriadu Corry ding ~l,>~ `~ app!ledty raft PR AlCli~. PURCHASES (118.88 .06247%D 71.80% f2.23 CASH (1,033.47 .06274%D 2290% (19.45 ANNUAL PERCENTAGE RATE applied this period • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~"°J~'t"tom 0000000 0 4934222490668657 09 1223850100000036004 New Balance 51,223.85 Minimum Amount Due 536.00 Payment Due Date January 09, 2006 Total enclosed E Account Number. 4934-2224-9066-8657 Capital One Bank P.O. Box 790216 ~ut~~~~nt~~m~t~u~ St. Louis, MO 63179-0216 ~t~~nu~~un~~~w~~t~n~~uut~t~nt~~t~~uut~~,~~u~u~t~ Pleare writeyorc aaaunt nrunber on yore MrarrprrntrwilirsgadArn aadarrmailrh grr br! an;<d61 orb/ar4 ix.E 38.20°Yo 8tteet Apc e City Sure ZIP Home Ptwne Alttmate PMne 0 Email Addms #9034471589949290# MAIL ID NUMBER '~ EMILY E STUM 1329 DOUBLING GAP RD ~ ~ NEWVILLE PA 17241-9758 ° ~ ~m~~~ut~u~t~t~u~ut~~~t~n~ut~t~t~t~u~ut~t~~t~us~t~t rbe~k m rroney order made payable to Capital One Bank and mail in the enrlared envelope. r 3`i O i O , o, ~ ~ ~~ O ~N ppeeriadc rate. To obtain the average daily balance for the 6illirtg period covered by this natemrxn, ws take the begirrung balance of each aetNnturt eats day, add any rtew troraBCriwa to eats segnem, and arbtrad any peymems w credits. Ilf the cads N appears en the irarH of 1Ns natemem next to 'Balance Rate Applied To; we also stbtrew any trpaid 9rance large indtrtled in the balartce of each aagr 1 TNs pvea w the lady balance of each segnem. Thanmwa add up all the dallyy balances for each aegnem for the Nllirq period end dNda by the twat number of days m the Nllirtg period. TNs gives us the v+ereggee dally balance of eats segment. 3. AltrttW Prondge Rats IAI'it6 a. TM term 'Annual Percentage Rate' may appear as APR' m the front of tlia arotemem. b. If the code P (Primal, L (3-mo. LIBOR), C (Cettificata of Deposit), or S (Bankcard Prime) appears en the tram of this atatemtuu reM to the pedadc rate(s), the dock rotes and xnespandrq ANNUAL PERCFMAGE~RP.TES may vary ywrtedy end may increase or decrease based m the stated kraan, ea found in The We/t Sheet Joumel, plw the margin DDreNOtely dxJOaed to you. These Mangey will be effective m the flM day of your Otllirtg period xvered by your pedodc a[atemart endng in the mmiha January, April, .kiY rid l~:tober. c. If the coda D IPtlmel, F 11-mo. LIBOR) or O (3-mo. LIBOR Repdtxd Monthly) appears en the irmt of your staterrwtt next to the pedodc rotate), the pedock rates and carrespatdlrq ANNUAL PERCENTAGE RATES may vary mm1Ny and may irercece or decrease based m the Hated IMcea, ea found in The Welf Szreer Jonmel, plw the margin preNauly dsdosed to you. These lunges wgl be effective m the firer ley of your Nllirtg period eats march. 4. Asaasament M tats, Overintit and ReWnetl Paynwr Fees. Your acaxnt will M assessed ro more thin two of the tees Ilsted here dot xmr during any Nlling period. Under the tense of your custamar egretrnrxn, vre reserve the right to ive or not to assess any teen vA[Ipul prior rotlflcetim to you without weiNrg our right to assess the aeme or almllar f t a later time. 6.j'Rawdrrg Yar Aoaaut. If a memlteraNp fee appeere m the from of this netemam, you have 30 days from the date this statement was mailed to you to evdd paying the tee or to lave such fee credtad to you if you cancel your acctsam. During tNa period, you may cmtimre to use your account without haNrp la pay the membership fce. To cancel your amount, you mwt noilty w by calling our Customer Relatima Department and pay yyour'New Balance' in /WI lexdudrtg the embereND fce) prior to the end of the tfany-0ey period. 8. N You Cbae Ytrrr Aoaatnt. You can request to dose yY ur account by calling our Customer Reletitxu Department. You moat destroy your credt card(s) and account access checks, cancel ell preatnhodzed Nlling, and cease uairtp your accoutt. If you do not cancel prcetnhorized Nlling errengementa, we will confider receipt of a large your atnladzetim to reoppen r eccotnt. Addidaully, your axant will not 6e closed unill you pay ell amowb you owe ua indudirtg: any irenaaliore you have etrthorizetl, flnaroe Margea, past due fees, ovedimit fees, resumed payment fees, cash advance fees eM any whey foes assessed to your octant. Vm ere reaporuide for these amatnta whwher they appear m your accotm at the time you request to close the accotnt or they are Incurred subsequent to your request to dose the amount. TNe may result in cheraea appeedat m your axotnt after vat have your xcoutt if h has already been dosed. For examde. if you etNarized a ptudteso from a merdum and vre recdve the treraacdm from tfte merdam after your axant has Ucert tlared, your accent wiN be reaperted, the amouu of the tlurge will be arkled to your exam, and yyoouu will be respmsiNe for peyrrrem. If there is a memberfiiP fee for your accent, the fee will cornksre to be da , to tfa aaertt pemNrted Dy law, tndl the eccant ba ante has been pdd In hJl as deflred above. 7. UaYq Yav Aoaastt.YOUr card or accoum cemot ba used h txxrac[ion Mrh anY Intarret gnmNirg trertaectbre. 8. gotloe AfrtaY Eleatrortlo greok Glrrvrsbn. When yen provide a lreck ea payment, you authorize w dtfter to tree information from yar ltxk to make eats-time dectrolc (tad trarufer fran yer bank axant w to process the paymem ae a ltxk trereacdm. When we the intonnatbn Fran you tltxk to make an dewroric (ford trarefar, Ttads may be withdrawn from your bank axotax es son as the same day we receive your payment, end you will not rxdve you dteck back (ran your fuurtdd iretittram. BIWNO RIGHTS SUMMARY (In Case Of Enors Or Owatlana Abtxn Vour BND Ii ytw tftink your NII la wrong, a If you need more iniwmailen en s vareawien or NII, write to w en s separate sheet as soon as pasfiHe at the addreaa for inquiries shown m the tram of tftis atetemem. We must hear fran you ro later then 80 days after we seen you the first Np m wAtiM the error or pradem appeared. Vou ran call our Cwtaner Rdadaa number, but ddng ao wlll rot Preserve Vour dgMa m yax lever, give w the idlowirtg infomuilen: your rums aM accatm number, the rldlar amount of the suapewrd error, a Oeacriptlm of the error and an explanadm, d posfide, of why you believe there is an error; or If you rtced more Information, a deacdptim of the Item you are truure about. Vm do not have to pay any amount In queatlm wltNa wo are Investigating It, but you ere adll oNig red IO pay the pa Re Oi your NI that are rot In quastlm. yJNle we invawlgeto your quesdm, we carrot report you as delinquent or t ke any scrim to tritest the amount you queatim. i,t Spedal Rule For Credt Cab PtuMasea If yorr have a problem with the quality of property or ceMcea that you purtiused wilt a credt card and Vau have tried In good talth to canact tfte pradem vAth the merdant, you may love the right rot to pay the remaiNng t dw m tfte pr rty or aeMCea. Vau have Wa pwtectlm aNy when the Wrdtau price was more than 550.00 aM the WrMaae wee made in your home state or witNn 100 miles of your mailing address. Ilf rue own or operate the merchant, or ii we mailed you the adyteRisement for the property or seMces, all purMases are covered regardeas of arrant or locafim of Wrcheae.) Raase remember to figs all xrrespedmce. t Does not eppty to mnsumer rlon-credit Card accoml7s i Does rot apply to business ran-uedlt sets eccounzs privacy Prwedim: sea our red sarvica mark of Catthal q H ralanoe l:rtarga. '~' e. traoo Prisd. You will have a mirimtm grace period of 25 days without finance Margo m new purchases, now balance trerefere, rew spedel puRireaea erd rew other charges if you pay your [oral 'New Balartce', in exoNeroe with tla Importam Notice fw paymema blow, eM N time for h to la credted by your text etetemem tlosing date. There is ro grace pedal m rash advartcas and spelal traafero. In addtbn, there is ro grace parbd any trarraacilm if you do rot pay the total 'New Ddertce.' b. AopWtg Ftonoe Charge. TrereawWre whits ere not atgect to a grace period era assacead Murtce charge 1) from tfte date of the trortsaNm or 2) from the date the treruactim is Drtrceased to yar Atxxxrs or 3) from the first celerdar daY of the txrrrent billirr~ pedal. Adddeugy, if you slid rot pay the'New Balance from the preNan Nlling pedal in toll, firortce ltargea cantlntra to accrue to your utDab bdartce trtdl the trtpaid balance is pdd in fiNl. TNs mcere that you may s[iN owe trance charges, even if you pay the ends Now Balance ndcetetl m the frays of your statement try the rev arwemem dodrg flare, btr[ rlb not tb so for the previow mmth. Urtpekl flrortce tlarges ere added to the apWlceNe segmtstt of yaw Atnourt. t c. Mkxnaarr Flnatoe Chrge. For eats hgling period that your eccant is ataiew to a Nartce Merge, a miNmun teal RNANCE CHARGE of 30.50 wIN be Imposed. If the total flrertce Marge rexitlng fran the appNutlm of your periadc rate(s) is lass tfan 50.60, wa will arutrect that amotnt from the 50.50 mirtimtm and the 6fferertce will be Nllad to the purdtase aepnem of your axant. t d. Tenpwry Redtwtian in Fnanoe Gtsrge. We reserve the right to not assess any or all firortce Merges for any even Nlling period. 2. Avrege Deity Balances Ilnok+drq New Ptrohasesl. e. Fnaree Marge is calaiated by mJtiplNng the daily balance of eats segment of your etxant (e.g., cash advertce, purdase, apedel trartafer, and srneecial purdtesa) by rho xrresportdttg daily periods rate(s) that has beat proviady dstlosed [o you. At rho std of oats de tludtg the Nllirq period, we apply the logy pedalo rere for eats sepnent of your acxtrtt to the drily bdartce of eats aeynent. Then n the erd of the Ngrng period, we add W the restN[s of these daily ralaNet)ora to arrive et your periods finance large for ceM aegnent. We add tq the reaNta from eats segment to arrive at tta total periods firertce tiar'ga for your axant. To gat the daily balance for salt aegntwn of your accerr, wa take [fa bngktring balance fw eats segnera and add any Haw [rertaacdore end any ppeedock firortce Marge celaie[ed m the preNow day's balaroe for tlut segment. We then stbtrew any paymenn a crtxNts posted as of that day that are agocated to that seAmett. TNa gives w the aeperote daily balettce for aedt segnmt of your axant. However, if yw paid the New Balartce crown m your preNas aretemtxn in hit (or If your Haw balance was zero w a credt aman0, rtew troresctioro whits poet to your purMese or spell purduse sepnents are rot added to tfa daily bdartcea. Wa celcJwe tfa avero(le daily balartce by eddrq all rho daily balances together and dNdrg the writ by the number of the days in the current 6illirq cyce. TO CalpNate you( total firertce Barge, mJdply Your average deNY belwtce bV the rleily pedaf~ rate end by the nmber of days in the NlNrq pedal. Dtre to rartdng m a daily bees, there may ba a sggm variance between tNa celaNatim and the amotru of flrortce ti~rge ecnreMy assessed. b. Ii rite code Z ar N appears m tfte from of tNa wwemem rext to 'lidartra Rate Andied ro,' we mdddv the Irrportad NtNoe: Paymema you mall to ue will Da cradled to your accent as of the Wesuea day we rowive h, proNdod (i) you stsd the bortan pomm of thla nnement aM your dock in the endrpetl ramltaroe mvdape and (2) War paymem la recdvetl In our processing cemer by 3 p.m. ET (12 noon PT). Please allow at loan five (5) bwiress days for posul delivery. PaYmems recdved by w at any otlter Ixaam or m any other form may rxtt bee credted ea of ga day wre recdve them. Our btuineas days are Monday Waugh Saturday excludrp hdidays. Plaesa do rat use staples, paper dips etc. when prepanrtg your payment. When you earl w a check(s), you euthorize w to make sane-gma dactrortic transfer debh iron your bank axotm for the amotm of the dtock TNs authorizatim appllea to all checks recervad dunrtq tfre Nlling cycle avon It sent by saneana doe. 11 we cemot process the transfer, you authorize us to make a charge against your bank accoun uairtg the check, a paper drab or other item. And don't forget-you earn rewards on every TJX Visa® purchase! J _ 028 T X Its that easy! • Earn 5% rewards on purchases made at T.J. Maxi, Marshalls, HomeGoods and A.J. Wright and earn additional rewards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxi, Marshalls, HomeGoods or A.J. Wright store location. ~j•fY1CU~( Marshallsa ~Hv C7vods A.J Wright mir„~,r<ri,r n~.am. Rngnm'r m,. a~a c ndi~iuns in your original otkr nr xldirinnal dimlouire Inver ~r tin dr~avt~ Caplta~g° V PLATINUM VISA ACCOUNT T T J~ 4934-2224-9066-8657 Accottnt S J 1 1 Previous Balance 51,223.85 Payments, Credits and Adjusunents 5223.85 Transactions 5189.26 Finance Charges 529.31 New Balance 51,218.57 Minitnum Amount Due 536.00 Payment Due Date February 09, 2006 Total Credit Line 51,200 Total Available Credit 5.00 Credit Line for Cash 51,200 Available Credit for Cash 5.00 At your service To call Customer Relations or to report a lat or stolen nrd: 1-877-534-6841 Send payments to: Send inquiria to: Attn: Remittance Processing CapitalOn<Bank Capital One P.O. Bvx 790216 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 028-1103 DEC 10, 2005 -JAN 09, 2006 Page 1 of 1 Rewards Summary- this summary reflects transactions posted during this billing cycle. Previous Rewazds Balance 57.19 TJX Rewazds 12/08-01/06 5.00 Ocher Rewards 12/08-01/06 5.08 Rewazds to be Issued 5.00 Balance as of 01/06/06 5728 Payments, Credits and Adjustments 1 03 JAN PAYMENT RECEIVED -THANK YOU ;223.85- Transactions 2 OS DEC HESS 38358 CARLISLE PA 58.26 3 10 DEC OVERLIMIT FEE 29.00 4 07 JAN CASH ADV. T/9 W BIG SP NEWVILLE PA 152.00 5 09 JAN CASH ADVANCE FEE - -FINANCE CHARGE 5.00 This account's Non-Introductory Rates as of 12/20/05 aze: purchase AP.R = 22.8094V, cash advance A.P.R = 22.9096V and special transfer AP.R = 22.8096V. If the A.P.R is followed by "V,` then your corresponding AP.R is a variable rate. Finance Charges Pleae Jae revnre Jidejor imfartant information Balmurrm'r Penodu C symrdmg FINANCE pplirdto ratr APR ~~I,~IjGE PURCHASES 591.62 .06315%D 23.05% 51.79 CASH 51,145.63 .06342%D 23.15% 522.52 ANNUAL PERCENTAGE RATE applied this period 28.43% • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4934222490668657 09 1218570223850036005 New Balance 51,218.57 Minimum Amount Due 536.00 Paymen[ Due Date February 09, 2006 Total enclosed E ~~ Amount Number: 4934-2224-9066-8657 P! mepixt mei/'ngcJ~ u ~ e-r,vi1 r)nmgrr be! uriRgb! wblark i,s.E 8trat Apc Y Gry So.m ZIP Home Ptwne Alremau PMne 0 EmailAddraa ~ #9001071589949297# MAIL ID NUMBER Capital One Bank ~_ EMILY E STLJM P.O. Box 790216 ~t~t~t~~nu~n~~~tn~ ~ 1329 DOUBLING GAP RD St. Louis, MO 63179-0216 a ~ NEWVILLE PA 17241-9758 m ~_ ~s~~[ns~~nn~~~as~~t~n~~nnt~s~nt~~t~~nm~~t~~u~u~t~ ° ~ (w~~~nt~n~t~s~n~tu~~~s~n~ns~t~s~t~n~ut~t~~t~nt~s~s~ Please eurite your aaount number on ymw nc~ck or moray Oder made Payable to Capital One Bank and mail in the erulared rnvelofe. I- O O N (~p ! ~n~ O ~N ppeedock rate. To obtain the average daily 6elarxx: for the hiNinp Palled cevered by this atetanem, we take the begnnrtq balance of each wgmem each day, add any new trereactiana to eah enL and aLLnrect any laymema or credta. Ili the code N appears m the had of this statemem next to 'Balaroe Rate Applied To,' we alw subtract any utpaid finance cMrge kdtxled in the balarxte of each w ent.l TNa gives ro the daily balance of each segment. Then wa add W all the Bailyy belaraxe for each segnam for the tilling p~edal and dNde by the total ember of days In the Wling pedod. TNa glues to the average dally balance of eeh regnant. 3. ArwW Pratt+ps Rata IARtI. e. TM term 'Annual Percentage Rate' may appear as 'APR' on the front of Wa atatanem. b. If the code P IPdme), L 13-mo. LIBORI, C (Cerdflcate of Deposit), a S IBenkcerd Pdme) appears an the from of 1Na natemem rex[ to the pedodc rote(s), the pedadc rates art cerreaportdrq ANNUAL PERCEMACE RATES may very quettedy and may increase or decrease based an the Hated wtdcae, as fond in The We11 SUee7 Joumef, plus the margin ppreviorely diatloaed to you. Thew d~srgss WN ba effecdve on the flat day of your Nllkq padod oovared 6V Yar pedade statement endrp in the manha January, Apd, JWyy and October. c. If the code D IPdmel, F 11-mo. LIBOR) or G (3-mo. l1BOR Repdced MamNy) appears an the irtm of your netemern rem to the pedodc rate(s), the pedoek mtea and oorreapondrq ANNUAL PEACEMAGE RATES may vary momNY and may irorww or decreaw 6aaed on the stated IMces, as toad in The Wed Street Jozanel, plus the margin Dreviously 6adowd to you. Thew changes w911 be eflxflve on the first day of your Nliinp period eah mmth. 4. Aw+mtrt W Leta, Ovsrislit and Raumd Prymrt Fas. your accent will ba assessed ro more than two of the fees listed here that occur dudng any billing pedod. Under the terms of your customer agreanem, rue the dght to t to aaseaa env fees without dor rotiflcation to youvwithwt weiHng out fight to aswas the same Or similar t a later lime. 6. Ranwvirp Ytw Aaosut. If a membership fee eppeara on the front of this natemem, you have 30 days from the date this statement was mailed to you to avoid peyirq the fee or to Mve nth iw credted to you d you cancel your aceount. Dudrtp tHs period, you may continue to use your accent without hating to pay the membesNp fee. To cencd your accent, you moat notify re by calling our Customer Relations Depenment end pay yyour 'New Balance' in full lexdtrdrq the membeshp fee) pdor to the end of the tNrty-0ey pedod. e. H You f7oas Yea Aaoattt. Vou can request to dose yy accwm by calling our Ctananer Raletiore uepartment. You mtrn destroy your credt card(s) and t eccesa hecka, caroN all preauthodzed billing, and cease uairlQ your accent. If you do rot cancel preauthodzed dllirtp artergementa, we will conceder receipt of a charge your auhodzation to reopen your accent. Addniatelly, your accent will cwt be daaed until you pay ell amouma you owe ua indudrq: any [rereaaions you have atnltodzed, finance durges, peat due fees, ovedimit fees, caromed Dayment fees, cash advance fees and any other fees seawall to your secant Vou ere resporeiNe for Mears emotnta whether [hey appear an your eccoun et the time you request to close the accent or they are Incurred auMequent to your request t0 dose the accoun. TNa may rasW In cherpea appeadng on your arxount after you have your atxxxnt if it hea already bean tloaed. For example, if you etNwdzed a ptudew from a merchant and we recdve the troreaction front the mercham after your arrant has been tlosed, your aarotnt will be reapered, the wtotrt of the tlarpo will be added to your accent, end yyoouu will be resparoible for peyman. If ihere is a membership fee for yea accent, the foe wgl ixntirsre to ba herged, to the extant pemit~ed bV law, frog the errant balance has been paid in full as darted above. 7. Udrtg Yea Aaoaut.Yau card ar aceaun cenrtot ba used In corrtectim wiN any htemet gambling vereacUee. 8. alsttos Abut F]aotroNo Grsak Convsraisn. When you provde a dteck as paytnent, you atahodze us dther ro the hformavon tram you dteck to make sore-time dtxtroric ftnd trsrefer from you bank atxxxau w m process the paymertt ea a dteck travwctian. When wa tee information from your tlteck to make an tlecnartic full trorefar, IVde may M wlthdrewn trap your bank e(xxxm 89 aoan a9 tin carne day yB IafJ3iV0 your peytnarn, and you wiN not receve your dtack back from your fnatdel iredttrdan. BIWNG RIGHTS SUMMARY lln Caw Of Errors Or Ota:atian Aber Your Bilq If you think yas bgl la wrong, or ii you need more intormatlan an a irereacum or dll, wdta to to m e xperata cheat as noon as posaide at the addrcas for Inquiries ahovn m the iron oT Wa statement. We must hear from ya, ro later than 80 days after we amt you the first bill on vAtih the error or problem appeared. Vw can WI ax Cuatanar Rtledore number, btn doing x will not prewrva your ddtu. In you letter, give ro the idlowirg intormevon: your name and accent number, the ddlar amount of the suspected ertor, a dexdptim of the error end an explaretion, if poasNe, of wf~ Votr bdiave there is an error; or It you need more Iniomtat m, a daxdinim of the item you are tnwre often. You do not have to pay any o t In question while we are Investigating it, but yea re still adigat~d to pay the pans of your WI that are not n queadan. W1Y1 we Invesi~gato your question, t report ytw as Delinquent or take any action to cellxt the amant you question. 3, f Special Rt1e For Credt Ceti Purohaws If you have a problan with the pttality of property or wMcea that you Wrdteaed wiM a credt cam and you leas ided M good taFM to coned the problem with the merhant, you may have the dgM not to pay the remaiNng amotm due on the p rty a wMCes. You have Wa protection oNV when the Wr hose Pdce was more then 350.00 and the Wrchew was made in your home state or whhin 100 miles of your mailing address. Ilf we own or operate the merehanL or if vas mailed you the adVeRlwmeM fef lira propetty Or wMCea, all purtl189e8 are covered mpardesa of amain or location of purchaw.l Pleaw remember to sigt all certeapondence. i' Does rot apply to consumer ron-credit card accourus f Does rot apply to business ron-rraiit ceN eccounzs Capital One atpports information pdvacy protection: aw our wabaite at www.captalone.com. Capital One Is a federally reeWWSt~red wrvice mark of Captal One Fnandal Corporation. MI ngMs rawrvad. a 2003 Capital Orte 01 LGLB4K j' a.-Graoa Priod. Yau will have a miNrnun grace pedod of 25 cloys wittaut flrenoe dtoR)e m now purcMaes, rew balance trarefers, now spedal purdtases and row other herpes if V~ PaY Vour total 'New Bolartce', in accerderra with the Imporrorn Notice for paymatts below. and in time for it to be credted by your rext srottmern doeirg date. There is ro grace pedotl m cash advances and special trerefers. In addtbn, there La ro proce perod m any trareacdon if yer do rot pay the total 'New balance.' b. Aamitg Firtrros Chrgs. Trereactiae whip are not atWect to a greoe pedod are assessed flrertce rriarge 1) from the date of the trerraetlm a 21 (rare dte date the trereattim is processed to your Atxxxnt or 3) from the first calendar daV of the artern bglirp pa ~ pAdddaallY, 'f you dd rot peV the 'Now Balance from ltigirq pedod in fWl, firence dterya txxrorxre to accrue to your urged balance 1ntN the trpaid balance is paid in fial. TNS meere drat you may sdN owe firence Gorges, even if you pay iha ends Now Balance indcated on the from of your nmemertt W Me next statement Goring date, but dd rot rb x for ttta previous mmM. Unpaid flrence tlergea are added to the a cable segnern of yea Arzutnt. tc. Mfitbrun Finrtee cgs. For each Nllirq gelled that your accent is atbject to a flnertce tltarpa, a mirtkntm total FINANCE CFUIRGE of 90.50 will be Imposed. If the teal flreruz herge rest~tinp iron the appllcavan of your pedodc rete(sl N law than 90.50, we s atbtrect t amant from the 90.50 mirimun and the dffererra will be billed to the Wrdtase aepnern of yea accent. t d. Trryary RstitMisn In Fnanw Qrrga. We rewrve the dgM to rot eaew any or oN financo charges for any given N lire pedod 2. Aveys Drily Balrwa (Ina9sTnp Nsw PtraMSal. a. Rnance Merge is calaleted by mJUplying the daily twlance of cam sagnem of your aceant (e.p., cash adverxx, purWw, spedel trarefar, and spedal purhaw) 6y the cerreapordnp daily pedodc rate(s) that has bean preNady dsdowd ro you. A[ tfw and of each day dudnrgg the Mlling pedal, we apply the logy pedodc rata fo wdt segnem of ywr accent to the dilly balance of eadt aegnan[. Than at the erd of the bigtrp pedod, we add tp the rexrlta of these daily ralatledan to ardve n r pedodc firmrtce charge for eadt seQntm. We add ip the realu free each 9eyntxn to emye at the tmal pedtdic finance trierga for yer atxxxnt. To get the daily balance (or sari aegnent of your etxxxatt, voe reke the beprtrinp balance for eah wgnlem and add anyy rew trereecdore erd any pp8edock finance Utorge celWatad on the Drevious day's baleroe fof tftaL SBgntalt. WB [hen AOtrsCt my paymenu or creche posted n of that day that are aNOCated to shot wpntan. TNs gives ua the separate daNy balertce fir sari aegnen[ of your accent. However, if you ppa~id the New Balance shown an your preNae autemem in fJl (or if your navv balance was zero or a credt amem), rew trareactims wNh post to your ptudaee or apedal purtltaw wgnems em not added to the daily balances. Wa rakxrlete the everope daily balance by adhq dl rho daily balances topafter and dvidrq the x+n by the rantber of the days in the arrern hillirq cycle. To celalate ywr total finance tltarpe, mtldplyy Vour everope daNV Balance by Me daily pedock rote erd by the ember of days in the bilGrq pedod. Iwe to rtxndrg an a doily Della, there may ba e sligm vadarnce 6etvaeen this celtxlatlon and the amoutt of flrnence dtarpe ecttafly asaessad. 6. If the code 2 or N appears on the hoot of Ws arnanent Hart to • Balance Rata Applied To; we multiply the . . Irtpatrt NWOa: Paymema you mall to ua will Da cretfitetl to your aotxxnt as of tree budrnesa day wa receive it, proNtled (1) you sad tre bonom portion of Wa natemam and your check in the enclosed remiturxe envelope and (2) your peymem is received In our pproceasirnq cemer by 3 p.m. Ef 112 rwm PT). Please allow at least flue l5) business days for postal tlelivery. Payments eceivetl by ua at any other location or to any other fomt may not be credited as of Me 08 vre receive them. Our bteirress days are Monday Mrou¢n Saturday, excltrdrnp hdidaye. Please do not use staples, paper dips etc. when prepadng your pa em. When you send ua a check(s), you autlnodze us to make a ana-ume electrortic tranater debit from yow bank eccotnt for Me amain of the chxk ~TNs authodzavan applies to all drecka rocavad dudng Ma billing cycle evon if sent by someone elw. If vre cancer process the trarrefar, yea authodze us to make a charge against your bank aczroua using the check + Paper drab or other item. And don't forget-you earn rewards on every TJX Visa® purchase! PLATINUM VISA ACCOUNT 4934-2224-9066-8657 • Earn 5% rewards on purchases made at T.J. Maxx, Marshalls, HomeGoods and A.J. Wright and earn additional rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxx, Marshalls, HomeGoods or A.J. Wright store location. 'F~•n1CD~( Marshalis. m eG A.J Wright •Pkue see the Rnwrds Progrsm'fernu and Cnndiuoiu In your ~xiginnl offer nr:aWiiional diclmarc Inrcr for Tull denilc Caplta~e TJX Account Sttmmarv Previous Balance 51,218.57 Payments, Credits and .4djtuunenu 5.00 Transactions 564.00 Finance Chages 524.20 New Balance 51,306.77 Minimum .4rttovm Due 5106.77 Payment Due Date Mazch 09, 2006 Total Credit Line 51,200 Total Available Credit 3.00 Credit Line for Cash 51,200 Available Credit for Cash 5.00 J - 028 T X Its that easy! 028-1103 JAN 10 - FEB 09, 2006 Page 1 of 1 Rewards Summary- this summary reflecu transactions oosted durin¢ this billin¢ cycle Previous Rewards Balance 57.28 TJX Rewazds 01/07-02/07 5.00 Other Rewazds 01/07-02/07 5.00 Rewazds to be Issued 5.00 Balance as of 02/07/06 5728 Payments, Crediu and Adjustmenu Your scheduled payment has not been received. Please remit the amount due appeazing on this statement. If you have already made your payment, please aaept our thanks. Trnnsactions At your service To mB CLstomer Relatioro or ro report n lost ar stolen oud 1-877-534-6841 Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 790215 P.O. Box 30285 Sv Louis, MO 53179-0215 SLC, UT 84130.0285 09 FEB OVERLIMIT FEE 529.00 09 FEB PAST DUE FEE 35.00 As a valved Capital One customer, you aze eligible to receive a free Year-End Summary for this specific account that recaps your 2005 charges, provided }roar account is in good standing and you have made transactions during the calendaz ytaz. Plcase call 1-877-794-4487 before Mazch 31, 2006, to reserve your copy for this account. Orders will be mailed out by the end of Apri12006. You were assessed a past due fee of 535.00 on 02/09/2006 because your minimum payment was not received by the due date of 02/09/2006. 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 Plerut rte revnre Jids jot important information M Balarurratr Periodic Corrrsyonding AAPR ~f,~~ AA11CC pplirdro rate PURCHASES 59.31 .06315%D 23.05% 5.18 CASH 53,221.85 .05342%D 27.15% 524.01 ANNUAL PERCENTAGE RATE applied this period 23.1496 • PLEASE RETURN PORTION BELOW W[TH PAYMENT ~~~ 3850106777 2 0000000 0 4934222490668657 09 1306770 2 P/rsrrprintmaifngadbrrra~ r-mai/rlmgrebr! widb! orb/aukink New Balance 51,306.77 Minimum Amount Due 5106.77 Street Apc t Payment Due Date Mazch 09, 2006 City Seam ZIP Total enclosed E ~~ HomePMme Atromak PMne Account Number: 49342224-9066-8657 Fxnsil Address ~ #9004171589949292# MAIL ID NUMBER ~~~777 Capital One Bank ~ EMILY E STUM P.O. Hox 790216 ~t~t~t~~uu~~n~u~l~ M ~ 1329 DOUBLING GAP RD St. Louis, MO 63179-0216 ,°.~ NEWVILLE PA 17241-9758 ~t~~un~~nn~~~ul~~s~u~~m n~l~ut~~s~~nut~~t~~u~u~,) ° ~ ~us~~~ut~n~s~t~u~ut~~~t~u~nl~,~t~s~n~nt~l~~t~ut~t~s~ Pleare eurite your account number on yatrr check m money mdn made payable to Capifa! One Bank and mail in the enrlared envelope. O l O m t- j O ~~ pedodc rate. To obtain the average daily bdartce for the billing period covered by tNs aatemem, tn+e take the bepnnrtg balance ai each segment each daY. add any new tmrnaction9 le eats segment, end attract any peymenta or credo. (Ii the code N appears an the irertt of this nnemem rott to'Balaroe Rate Applied To,' we also attract any upaid finance charge Inducted in the belartce of eats se tan.l Thia pvea to the daily balance of eats segment. Then vre add up all the dallyy balances for each segment for the dllirtg period and dNde by the total number of day In the tilling pedal. TNa glues ua the verage dally balance of eats aegnent. 3. Amoral Proartpa Rotas IAPR4 a. The term 'Annual Percemage Rate' may appear as 'APR' on the from of this statement. b. It the code P (Primal, L 13-mo. LIBORI, C lCenificate of Deposit), or S (Benkcard Prime) appeam on the from of this aatemem nerd to the pedodc totals), the pariodc rates and corteapondrq ANNUAL P6iCfMAGE RATES may vary gtartady and may increase ar decrease hosed on the sated iMicea, as rated In The Wel! Sbae7 Jorunel, plus the margin ppmNOUSIy dadosad to you. These Ma vAll 6e eNeNVe on the flint daY of your Nllirq period covered 6Y Your pedodc statement erring In the months January, April, JWy aM October. c. If rho code D (Pdme), F (1-mo. LIBOR) or G (3-mo. UBOR Repriced Monthly) appeau an the Fran of your statement next to the pedodc te(a), rite pedoek rates end correspond'rp ANNUAL PERCENTAGE RP.TES may vary montNy and may increase a decrease based on the stated indces, as toad in The Wet/ Stieei Joume% dos the margn previoudV dsclased to you. These Menges veil he effective on the fimt daY of your billing period eats march. 4. Asassarwt W Late, Ovraarst acct ftrnsrad Pq'atart Fw. Your accam will 6e asxsaetl ro more then [wn of the fees listed hem that occur during any dlling period. Under the terms of your customer egreemem, va> reserve the right to slue or not to assess any red without pdo~ rotlflcatlan to you without welting our right to assess the same or drafter tees at a later time. 6.tRaaawirrg you Acoout If a membardlp fee appearo on the from of 7Na aatemem, you have 30 days from the date tNa statement was melded to you to avdd paying the fee or to have each fee credted to you if you cancel your accent. During this period, Vou may conliMte to use your accwsn vlthottt haNrtg to pay tle membemhip tee. To cencd your eccotnt, you moat notify ro by calling our Customer Relations Department and pay yyour'New Balance' in hYl (exduuflng rite memberstYp fee) prior to the end of tle W rty-day Period. 6. N ytw Cbsa You Ao¢anl. You can request to does your account by callirq our Customer Relations Department. Vou mrst dearoy your credit card(s) and accaurn access checW, caned ell preeuhodzed billing, end cease usirtp your accoum. If you do not cancel preauihodzad filling emangementa, w+e will consider recdpt o(a charge your auahori:atlon to raoDen your accam. Addiilaally, your account will not ba closed until you pay ell amaunta you awe us indudirtg: any traraactiore you lave authorized, finance Merges, pas due fees, overiimit fees, caromed Dayment fees, cash advance fees and any other ices assessed to your aceaunt. You are respandbla for these emounla whether they appear on your acctxm at the time you requea l0 close the accent or they are Incurred aurbaequent to your request to dose the accoum. Thla may exult In charges appearing on your account after yar have your acca+s if it has already bcen dosed. For examde, f you authorized a purdase tram a menilam erd we receive tfa transaction from the meniant after your aceant has been tlased, your eceant will be reopened, the amtam of the darge will be added to your ecceran, and yw will be respona6le for payment. If them is e membership fee for your accaan, Ufa fee will condraae m be Marrp~odd, to the extern pemtitted by law, until the accent balaroa hea been paid in full as daflred above. 7. Uaig Vrru A¢oaat.YDUr card or acceun carvwt be used M rxxvactbn with any tmema gartWing tmreactbre. B. Notts Abort FJaa4orlo Claaolt Canvardaa. When you proNde a dock as peymad, you eutlndze tin dttar to use information from Vot+ dock to make a orte-time dectroric fact trcrefer tram yotr bank atxaal or to prorxf~ the paymalt es a Meek trereacbon. When we tae infome[ion from your dleck m make m dectroric find trarefar, Tracts may be withdrewn from yarr bank accent as soon as the same day we tacdve Ywr payment, acct you wig rot lxdve you dock back from your financial iredtudan. BIWNG RIGHTS SUMMARY Ile Casa Oi Errors Or Guealore Abou Your egg If you Wnk your MII Is wrong, a If you need infomeilon m a trarreadlan or bill, to to us an a separate street ea aoan as po 'tle at the address for guides shown on the front of this statement. We mutt hear tram you ro later than 00 days otter we son you the first till an wilts rite error or problem aDPeared. You can call our Customer Rdailans member, but ddng so well not preserve your rigMa. In your letter, give rre the idlowirtg information: your tame aM accoum number, tle ddlar amain of the suspected enor, a eeacripilm of the error one an e~lanetion, li posside, of why you believe there is an error; or If yce need more Information, a descriptim of the ham you am nature ebou. Vw do rqt have to pay any amount In queaim wMle we are Investlgellrg it, hurt you are edit Mllpe~ed to pay the pans of your rill that are rot In question. Yfille we investlgato your yuesdon, we carrot report ya, as delinµran or t ke any action to celled tM amount Vou question. i,'t Spadal Fkle For Cradt Cartl Purdases If you have a problem with the qudity of property or seMces that you purdased vvhh a crept card end yvu have triad In good faith to coned tfa prMlem with the merohent, you may lave the right mat to pay the remaiNng amount due m the pr rty or seMces. Vou have Wa protecilan oNy wfien 1M purchase price was more than 950.00 and the WrMase was made in your home one or witNn 700 111188 of yWf malllrlg addreee. (Ii W¢ OKTI Or operate the mordant, or if we mailed you the adveniaement is the DropenY a seMCes, ell purdasea are covered regerdess ai amoum or lorailon of purchase.) Reese remember to sign all correspondence. f Does rw1 ePWY to cnzaumer non-credit card eceoazl7s 3 Does rat apply to basiness non-coedit cor0 occowts One appons.informadon privacy protection: see our al vrnw.cappalone.com. Ore is a tutderagy reg'starad eaMca mark of Capital meal Corporation. All nghte rwervod. ° O~ LBAK 1. How To Avid A Firanaa Charge. '~' a. Grave Period. You will have a mirimun 9rece period of 25 days withart firertce darge on new pun3ases, new bolero' Lfanefera, MW 9pOdal pUfdb999 arld r1aW Oltlaf Merges if yar pay your total 'New Balance', in accordance with the Importam Notice for paymerss below, and is tine for i[ to be credted by your re# ae[ement dosing date. There is ro grece penotl m cash advertces and apedal trerefero. In eddtlon, them Is ro grace period m any vartsactim If you do rot pay tfa total 'Now balance.' 6. A¢anig FMrca Chrga. Trareadima vMM am rot ab(ect to a grace period em assessed Rrerace rimrge 1) tram the date of tle traruadion a 2Y from the date the transaction is processed to yotr Accent or 3) from the fimt calendar daY of the currtxtt billilq period. Addrtiorelly, if Vou rfld rat paY the 'New Bdaroe' tram the preNOta billkq period in fill, finance Merges ceradrara m ecena to yotu uyad bdartce unit the upeid balance is paid in fJl. Tftis maere that you mayy atilt owe finance tltargaa, even if you Pay the anire New Balertce itdceted on the front of your statement by the nett statement dosirg dale, bra rid rot co w for the preNOrn month. U1llrald Nance draargea are added to rite epp4cede segment of Ya+ Ac ant. t' c. b4rtirrasn Fbanes Chaga. for eats billing period the[ yea atxoux Is sib)ed to a Naatce charge, a miNmrm total RNANCE G-IARGE of 40.60 will be imposed. If the total flrunce Marge realdnp tram tlae applicetlan of yyoauu pedodc rate(s) is leas than 40.50, we wall a6tract theft amount tram the 40.50 mitimun acct the dfferatce will be biped to the purdase ant of your eccotnt. t d. Temporary Ratluation in Pearce tlwga. We reserve the dye to rot asses any or all finance Barges fw any Avon billing period. 2. Avrsga DsiN Bdanw Ifnokrdrtg Naw Hr¢hasaal. a. Rreroe Marge is calalated by mthidyiM 4te daily belertce of eats segmem of ywr accent (e.g., cash advance, purMase, special trerefer, end apedel purdtasey by the certaspondrg doily pariaic rate(s) the[ has beat pmvtardy dadosed [o you. At [tae acct of eats dayy during the dllirq period, wa aptly the elegy periodc rate fo eats segnon[ of your accaaat [o [fa drily balance of eats aegnrm. Then at the end of the bigrrlp Period, we add up the resda of these daily ralaledore [o arrive at your pedadc firertce t3arya fw eats aegitertt. We add tq the reaps tram eats aegners to arrive at the total pariodc firertce darga for yarr eceant. To get the daily balance for sets sagnam of your accaax, we take tle bapming balance for eats segneM and add anyy~ raw trarractiaa and enY Periodc firence charge celaleted m rite Dreviou9 tleya balance for that segrant. We elan ainrett any payments or credo posted ae of Bat day that am allocated to that segment. TNs glues us Ufa aapare[e deny balarxm for eats segnem of your accent. Howava, if you paid the Nave Balance drown m yar preNorn natemant In fill (or if your raw balance was zero a a crept omount), maw traaoctiaa whits post to your purMesa or apedd purMase segments am not added to the daily balances. We calalate the average dally babrxtt by eddrq alt the dolly balances togetlter and 6Ndrg the sum 6y the nnthor of the days in the currem biflirq cytle. To celalate your tad firortce darge, multidV Your average daily balance DV the daily periodc rata acct by the ember of days in tfa bilflng period. Due to rasxirg m a daily bads, tfare m¢y be a sgght variance betweat 1Ns celWedm and the arrant of Nance darge ecaally assessed. b. If the code Z o N appears on the front of Wa aatement next to 'edartce Rate Appied To,' we mJtldv Ute Irrportam Notba: Paymema you mall to ua will ba credhatl to your accoutt as of the Wdnesa day wa receiv¢ h, proNded (1) yw send the bottom portion of this eatemem aro your dock in the enclosed remittance envelope aM (2) your payment la recdvetl In our pracesaing curter by 3 p.m. ET 112 moon PT). Reaae allow at lean flue (5) buulness days for posul delivery. Paymama racdvad by ua at any offer location or m any offer forth may not bo credted as of the dayy we recdva them. Our badness days are Monday throtl¢1 Saturday, axdtrdng holidays. Please do rat use sodas, paper dips etc. wirer prepanng your pa ant. When you send ue a Mock(s), Y°u autforize ra to make a aria-vino dedroric trarafer debh from your bank acceum for the amain of the Meck ~TNa autMdzatian apples to all checks ret:dved during the billirp cyde even if sent by saneata doe. If we carrot praafsa the transfer, you authorize us to make a charge ageirat your bank accoun udrg tta check a paper drab or other hem. - 028 T Xf>>_ And don't forget-you earn Its that e ! rewards on every TJX Visa® purchase! "'~ • Earn 5% rewards on purchases made at T.J. Maxx, Marshalls, HomeGoods and A.J. Wright and earn additional rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxi, Marshalls, HomeGoods or A.J. Wright store location. T~•fY1CS~( Marshalls, Hom s A.J Wright 'Plan ue the RrnnAs Progrom Term oze-noa * and Undiriona in your nriynal ofTer m xldiriunal Ai.clowrc Ierrer (or full deroilc Caplta J1~ v T PLATINUM VISA ACCOUNT FEB to - MAR 09, 200b T J~ 11 11 4934-2224-9066-8657 Pagel of 1 Account Summary J Rewards Sttmtnary- this summary reflects ttatuactions posted dunng this billing cycle. Previous Balance E1,306.77 Previous Rewards Balance E7.28 Payments, Credits and Adjustments E.00 TJX Rewazds 02/08-03/07 f.00 Transactions 564.00 Other Rewards 02/08-03/07 E.00 Finance Charges E23.68 Rewazds to be Issued E.00 New Balance E1,394.45 Balance as of 03/07/06 E728 Minimum Amount Due E194.45 Payment Due Date .4pri108, 2006 Payments, Credits and Adjustments Tonal Credit Line E1,200 Total Available Credit E.00 Credit Line for Cash E1,200 Available Credit for Cash 3.00 Trznsactions 1 09 MAR OVERLIMIT FEE 2 09 MAR PAST DUE FEE 529,00 35.00 At your service You were assessed a past due fee of 535.00 on 03/09/2006 because }roar minimum payment was not To nll (lutomer Relations or to repon a last or stolen nrd: received by the due date of 03/09/2006. To avoid this fee in the future, we recommend that you 1-877-534-6841 allow at least 7 business days for your payment to reach Capital One. Scud paymrnts to: Srnd inqui[ia to: Attn: Remitmnee Proccxing Capiral One Bank Capital One P.O. Box 790116 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 Imtrortant Account Information Please review the enclosed privary information and retain it with your account records. Also visit www.capitalo¢e.com/crediccardscrnd dick on the Visit the Cuide to 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 primed copy of the Gtride to Benefits, call the Customer Relations number on the bade of your cazd. Firlarlee Charges PleaJe.ree reverse tide for imfortant informatian Bdaxrr ra& Prriodu Cmrnpmdwg ~1~ICE ppiirdto ratr AA l;tYtHS1xC~E PURCHASES f74.14 .tM384%D 23.30% 81.33 CASH 81,245.03 .06411%D 21.4096 822.35 ANNUAL PERCENTAGE RATE applied this period 23.4096 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4934222490668657 09 1394450223850194451 New Balance E1,394.45 Minimum Amount Due 5194.45 Payment Due Date April 08, 2006 Tots] enclosed E Account Number: 49342224-9066-8657 Capital One Bank P.O. Box 790216 ~t~t~t~~nt~l~n~u~t~ St. Louis, MO 63179-0216 ~t~~uu~~nn~~~ut~~t~u~~unt~I~ut~~l~~nut~~t~~u~u~t~ Please ruiite your acrounJ number on you Prrarprii:t maif'ngad&rna~ r-mailrhmdrbr/ uangb/urwblark in.E Strett Apc M City Sum ZIP Home Ptwne #9006971589949293# MAIL ID NUMBER ~ EMILY E STUM u, ~ 1329 DOUBLING GAP RD N 1 NEWVILLE PA 17241-9758 ° ~ ~ut~~~ut~u~t~l~n~nl~~~t~u~ut~t~t~t~n~nt~t~~t~ut~s~t rherk or money order made payable to Caftal One Bank and mail in the rnrJared rnvelape. r O I O ~ ~~ N¢ OdN pedodc rate. To obtain the average daily balance far tie billing Parisi covered by this statement, we take the hePrvurq balance of each eegneM each day, add any new 1rer198CdOre t0 eats 9BQYlem, and ablred Bny paymeni9 or credts. Ilf the code N appears en the from of tNa atnemeM rext to 'Balance Rete Applied To,' we also abtram any unpaid finance large irWuded n the balance of eats segment.) TNs gives ua the daily balance of eats segnent. 'Bran, we add up ell the logy belerwea for each aegnerrc for the billing paled and dNde by the teal rxanber of days N the Nllirq period. TNa gives us the verage deilV balance of eats aegnent. 3. ArsaW f$roartga Rakaa IAPRI. a. The term 'Annual Percentage Rate' may appear as APR' en the Trent of 1Na statement. b. If the code P 1Prime1, L (3-mo. UBOR), C lCenificate of tN~aNtete ameM next 1o the pedode Pat aj nthe pfedodcf rates and certeapondng ANNUAL PERCENTAGE RATES may vary quarteriV and may increase or decease based en the sated rttdcea, as found in The Wa0 Street Javnel, plus the margin ppraviedy datlosed to you. These darylea vAll be eheNve en the first ley of your Nlllrq perod aovarad by ywr padoac atatemart endng in the months January, April, July end October. c. If the code D (Prime), F (1-ma. LIBOR) or G (3-mo. UBOR Repriced Monthly) a era en the lront of your netemrsn rext to the pedode te(e), the pedorlc rates end carreapardirq ANNUAL PERCENTAGE MTES may vary mentNy end may increase or decrease based en the stated indces, as fond in The We0 Strew[ Jouma/, plus the margin preNotaly daclaaed to you. These changes vrill be effectlve on the first day of your Nilirp period aeM month. 4. Anuurwu of Late. Overfirit and Raruntl Payrnart F«s. Your accatm will ha assessed ro more than two 01 the fees listed Mrs that occur during any Nllirq padotl. Under the terms of your cuaomer agreement, wa reserve the right to waive or rot to assess any teen witfaut p for retiflcation to you without waiting our right to sasses the same or similar fees at a later time. 6.tRrawviV Parr Aooouit. If a memberaNp fee appears en the front of 1Na statement, you have 30 days from the date tNS statement was mailed to you to avoid payirq the fee or to have aunt tee cedted to you if you caned your eceant. During this period, you may LenilrlUe 10 Ilse yWf aCCdatt Vathoa Mying 10 pay the membership tee. To caned your eccotnt, ye, must notify to by cellirtg our Customer Reletians Department antl pay your'New Balance' in full (exdtding the membership tea) prior to the end of the tarty-0ay pedal. B. If Vou Cbu yea Aaaoud. you can request to dose your account by calling our Customer Relatlone panment. Vou must destroy your credh card(s) and secant acceae decks, cancel all preauthodzad billing, eM cease usirg your accent. If you do not cancel preauthorized tilling erranpernenta, we will consider receipt of a charge your aahorizegen to reoppen our accent. Addigorolly, your exam will not be closed undl you pay all amounts you owe ua Including: any trenaadiore you have aahorized, finance dargea, past due fees, evedimit tees, rewmed payment fees, cash advaroe tees end any eher fees aeaeaaed to your acxrnt. You ere responsible for these amounts whether they appear en your account at the time you request to close the acceun or they are Incurred abaequent to your request to done the account. TNa may reads In charges appeatlrg en your axant eher yw lave your exam if h hew already been dosed. for sample. if you authorized a purchase front a merchant and vas receive the treraactlan from the merchant eher your accent hew been tlosed, your exam will be reopenod, the emam of the large wiU be added to your accent, and you wtY be resporeible for payment. If there is e menbemNp fee for your axwu, the fee will xnndrare [o be Merged, to the extent penttittad bV law, uuil tie arxbtatt balance hew been pakl In flit as defined above. 7. Uaktg yea Aoaaad.Vaur card or accerrt cemm be used h rota ibn whh any kttamet gamNkg lrermctkaa. S. Notba Abort F]aatroNo Greok Carrvaraisn. When you proNda a dteek as payment, you autlndze ten airier to tzae information from yotu Mack to make eons-time electronic find trerefer Fran yar book accam or to process the peymax ea a deck trareacden. When we use information from yea deck to make en dedrortia find trerefer, finds may ba witfdrawn from your beryl axant ea soon as the same day we receive your payment, ant you will rot receive your Check beck from your fatendel iratltution. BIWNG RIGHTS SUMMARY Iln Cese Ot Ertore Or OueaUee About Vour Bilq If you tNnk ywr bill la matg, or li you reed more informallen en a trereactien or bill, write to us en a separate sheet as soon as poasiN at tta eddma for ngtfiriea shown en the hom of this aretenen. We mtet beer tram you re later than 00 de eher we seat you the first hill en vRaM the error a problem appeared. Yau can call our l'9tstamer Rdadara number, but ddrtq ao will not Praearve your rigMS. In your letter, give ue the tdtowirq mtormaden: your rams and accent number, the ddlar amotm of the auapected error, a deacriptien of tie error and an aplarotien, if posaide, of wfiyy yvu believe there is an error; or If you raced mare informatlan, a deacdptien of the hem you are saute about. you do not lave to pay any emoum in question vAale we are InveatlgeUrq It, ha you are still odl9 tad to pay the papa of yea bill that ere rot In queatlen. WNIe we InvestkFato your queadon, we ramot report you as delirx9ran art take any acden to cdlect the emotnt you question. 3,'~' Spedal Fiala For Cradt Card Purcneaea It you lave a problem vAth the quality of property art acMcea tier you rMased yAth a credt card and you have tried In goodptaith to coned the problem with the merchant, you may have the right not to PeY rite remaidng amount due en the properay or aeMcea. Vw have Ws protection oNy vfien tM purdvae price was more than 960.00 ant the WrMase was made in your home state or witHn 100 miles of your malting addreaa. (It we own or operate the merdaM, or if WB mailed you tFe advergsemeM for de p tty or services, all purMases are covered regardeaa of amount or )oration of Wrchaae.) Meese remember to sign all cerreapordence. t Does not eppty !o consumer ron<redlt card accounts t Does rot eppty to bustiress ron-credit caN eccounzs Capital One stpporta information privacy prmoctien: sae our webers et www.cagqtalaro.com. Capital Ora is a fedarelly ragetared service mark of Capital One Rrarnal Corporation. All ri¢tts reserved. 0 2003 Capital One 01 LGLBAK 1. How To Avid A Fktwnea Charge. t a. Oraoa Penod. You will have a mirimtm grace period of 25 days w~i~tl~e[~tu firortce charge en rew purchases, new baleftce IfDR4(a18, f1eW 9peeal pllrCllaae9 eM reW Oder tlarges if you pay your teal "New Balartce", in accatlerxx with the Important Notice for paymens blow, ant kt time for it to be cradled by your rout aetement tlosirg date. Thera is ro grace periai on cash atlvances and spedal traaFere. In addtion, there is ro grace period on enY trensectlen if you do roc pay tM twat 'New balance.' b. Aoarukg Firr>,ae Charge. Treroaciena wNM ere rat abject ro a grace period am asseasad M1rence large 1) from tM date of the trensactlon Or 2) from tM date the traaectien La processed to yar Accetnt or 3) from the first celeder ley of the current billing pedol. Addriaally, if you rid rot pay the 'New Balance' from the prevkxa Nllirq period in fill, fironce Merges continue to accrue to your travail baance tall the atpaid balance Is pdd In fill. This mearo that you may sdY owe faarne dargas, even if you pay tie endre New eroe indceted on the frex of your aatemtm by the roxt amtenaatt tlosirg date, ba rid not do m for the prevkxe month. Unpaid flrorue riarges riled to the calve aegnau of your Atuaxatt. '~' c. MlNrrun FYtenoa e. For eats billing pedal that your etxent is subject m a fktax:a large, a mlNmtm roal FINANCE CHARGE of 90.60 will be Impaeed. If tle ro[el flrera:e Ma resJtlrq from the application of yw pedodc rete(s) is less tlan 80.50, we will abtrect tlatr amain from the 90.50 mWmun end da dfferam will be tilled to the purcdase aepnmt of your secant. t d. Temporary Radrlian h Fnanas Chaga. We reserve the right to rot assess any or all flrortce charges for any even Nllirq period. 2. Avszage Daily Balanw (btoludirg New Rrahaapl. a. Hnanca charge is calateted y mUdplying the daily balance of eats segment of your secant (e.g., cash advertce, purhase, sperdal trerofar, and spade) punhese) by the cerrespordng daily pedodc rate(s) that hew been prevlady dstlosed to you. At [he erd of cent ley during de dllirg period, we apply rite daily pedodc rate for ea segment of you secant to the daily balance of eats segneM. Then at the end of Ute Ngrng period, we add tp the resJta of these doiry ralalatiore to artive at your periods fironce charge fw eats aepnent. We add tp the feaul[a from aeM sepnerK to arrive at the teal pedodc firortce larige for you accent. To gat the daily balance for eats aeQnent of yar etxent, we take the begkvting belaroe for eats segnent and add anyy rew trereactiare and any pedadc firortce dtarga celalleted on the preview days balaroe for flat segment. We tttar atbtmc any payments or cradle posted as of that day thei are allocated to t)at atgneM. TNs gives ce the separate daily balance for eodt aapnan of your accouu. However, If ye, Id tie Nsw Balance shown en your preNan statement in fill (or if your raw balance was zero or a credt emanU, nett' trereaMtxe whits post to your purchase or apedel purchase aeAnena ere rot arldad to the deilV belerrcea. We celatlate the average daily balance by addrq all da daily balances togedar end dvidrtg the elan by file nanber of the days kt the wrtant billirq cycle. To celelate your teal firortce large, mtJdply your everege elegy balance by the daily padock rate and by the nmber of de}re in the Nlgng pedal. Due ro reading en e daily basis, there may be a alight vadartce baween Ws celculatlm end the ement of flrertce large actuaYy essessetl. b. If the code 2 or N appear on the front of 1NS stnement next to 'Balance Rata Applied 70; we mWdgy the Inpetard Notloe: Paymerns you mall to ua wYl be credted to your axoam ore of the bu¢Ireae tlay we receive h, proNtlad (1) you send tie bottom poNen of this aatomam and your deck h the endowed remittance envelope and (2) your Paymont Is racNved in our prxeasing cemer by 3 p.m. ET (12 noon PT). Moose allow at least five (5) buaraas days for postal deUvery. Payments racdvad by ua at any oger loceven or m any otter form may not be credited as of the day vre receive them. Our buaneas days are Monday through Snurday, oxdudng hdidays. Please do rat use suplas, paper dips etc. when preperirp your payment. When yw earl us a deck(s), you euderize is to make aate-arcs elactroric trarmfer debit tram your bank accem tort the amern of tie Mack TNa aahorizatien applies to all checks received during tie billing eyrie even it seen by saneae alas. If we carrot process the transfer, you authorize us to mako a chargo agairat your bank aaxuatt using the check a paper drab or other item. ~ oza T X__ And don't for et-you earn J , g Its that e rewards on every TJX Visa® purchase! "'~a • Earn 5% rewards on purchases made at T.J. Marc, Marshalls, HomeGoods and A.J. Wright and earn additional rewards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxx, Marshalls, HomeGoods or A.J. Wright store location. ~~•( Marshallsa met ds A.,T Wright 02a-1103 'Pleue .er. the WwaMs Proxram'l'emu anJ C ndiiio~u in your <uiyiml ofFer nr :aWirinnal Jiaclosnrc Ierter (or 1:,11 Jeraitc ~.cq.^~w TJX Aocount Summary Previous Balance 51,394.45 Payments, Credits and Adjustments 5204.00 Transactions 5.00 Finance Charges 527.45 New Balance 51,217.90 Minimum Amount Due 536.00 Payment Due Date May 09, 2006 Tots] Credit Line 51,200 Total Available Credit 5.00 Credit Line for Cash 51,200 Available Credit for Cash f.00 At yow service To call Customer Relations or to report a lost or stolrn card: 1-877-534-6841 Send payments to: Send inquiries to: Attn: Remittance Proaa:ing Capital One Bank Capital On< P.O. Box 790216 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, UT 84130-0285 PLATINUM VISA ACCOUNT 4934-2224-9066-8657 MAR 10 - APR 09, 2006 Page 1 of 1 Rewards Summary- this summary reflects transactions posted duritlQ this billing cycle Previous Rewazds Balance 57.28 TJX Rewazds 03/08-04/06 5.00 Other Rewards 03/08-04/06 5.00 Rewazds to be Issued 5.00 Balance as of 04/06/06 5728 Payments, Credits and Adjustments 1 06 APR DIRECT DEBIT PAYMENT 5140.00- 2 06 APR PAST DUE FEE CREDIT 35.00- 3 06 APR OVERLIMIT FEE CREDIT 29.00- Finance Chatges Plerue ree reverre ride for important information F Ba( rcsvfe Penodu Cmrrry dvs 8 pplirdto ratr APR N PURCHASES (122.89 .06384%D 23.30% f2.43 CASH (1,258.69 .06411%D 23.40% 125.02 ANNUAL PERCENTAGE RATE applied this period 23.3996 PLEASE RETURN PORTION BELOW WITH PAYMENT Ceplta~~ 0000000 0 4934222490668657 09 1217900140000036007 New Balance 51,21>.90 Minimum Amount Due 536.00 Payment Due Date May 09, 2006 Total enclosed S Account Number: 49342224-9066-8657 Capital One Bank P.O. Box 790216 ~ns~~us~~n~s~~l~ss~ St. Louis, MO 63179-0216 ~s~~nn~~nn~~~ns~~s~n~~uns~l~us~~l~~uus~~l~~u~n~s~ Pleare write yow arraunt number on you P/meps;nt nrai/ircgaddnrr~ rmai/rAarcgrs be! ania66! o.b/as,E iuE seer Apt r Ciry Smrc ZIP Hom<PMne Alseswu P6ons #9009971599949290# MAIL ID NUMBER ~ EMILY E STUM ,.a ~ 1329 DOUBLING GAP RD w ~ NEWVILLE PA 17241-9758 ° ~ ~us~~~us~u~s~l~u~nl~~~s~u~m~s~s~a~n~nl~s~~l~us~s~s check or money order made payable to Capital One Bank and mail in the enrlared envelope. r T O N .~-~ oNN ppeeriodc rate. To obtain the everepa daily bdartce for the Nllirtg Period oovsrad bV this statement, we take the begimrq balance of each sa¢nerrt each day, add any rtew~ tureactiore to each aegnent, and aortal amy peymems or credta. Ili the code N appears an the from Of this atatemem roxt to 'Balance Rate Applied To," wa also atbtred any utpdd finanoa charge irttltrded in the belanoe of each gment 1 TNa gives to the daily baleroe of each aegnant~Than, we add up ell the dallyy balarnea mr each sagnent for the NNinp period ertd dNde bV the tatd nunbar of days in the Nllirg period. TNa glvea ua the at+ereggee dally balance of eedt segment. 3. AmW Praartoga Ratty IAgt4 a. The term 'Amual Percentage Rate' may appear as APR' m the front of Ws statement. b. I(tfte code P IPrimel, L l3-mo. LIBOR), C lCenificete of DepodU, or 5 lBenkcerd Prime) appeero an the hard of tNa atatemem next to the periodic ore(s), the periodc ores end cenespondrtg ANNUAL PERCENTAGE RATES may vary queneriy and may increase or decrease based on the orated irtdces, ea found in The We!! Sheer Joumel, plus the margin ppreviously dstlosed to you. These dtennes w1N be eNectlve on the flret day of yatu Ngirq pedal covered by your pedodc atetement endrtg in Ute mamba January, April, JWy and October. c. 111ha code D (Prime), F (1-mo. LIBOR) or G 13-mo. LIBOR Rapdoad Mtmhly) appeeo m the from of your autemem next to the pedadc ore(s), rite periodc rates and corteapaxirq ANNUAL PEACFMAGE RATES may vary montMy and may increase or decrease based on the awed indcea, as foutd in The wa/~ street /aurne~ plae the margn prevloudy dxlmed to You. These dangea will be efocilve on the first day of your billing period eeM month. 4. Asaaaamrtt of Later OvarfiNt srW Robmad Parynrarit Foos. Your accotm will be assessed no mom than [vro of the fees listed here that occur during any Nllirtg pedal. Under the terms of your cuatomar agreemem, wa reserve the right to slue or rot to assess any fees withan p rotiflcatian to ycew without weiNng our right to assess the same or dmllar 11 t a later time. 5.1'Rortawirig Yotr Aaootrtt. If a membership fee appears an the front of lido autemem, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have stxdt fee cradled to you ii you carol your accent Durirq tNa period, you may contirtue to me your accotnt withatt hevirtg to PaY the membership fee. To caned your accotnt, you moat notify to by calling our Customer Ralatiane Deparvnem aM pay yyour 'New Balance' in fWl laxdtrdng the membershp fee) prior to the end of [fa tHrtydey period. 8. N You Cbao Yau Aoaoun. Yau can request to dose yyour accent bV calling our Ctetomar Relations Depenman. You mtet destroy your credit card(s) end accent eccesa chacW, caned all preauhodzed Nlling, and cease usl~ your acceun. If yw do not cancel preauthorized N lirtq arrertgementa, we will consider recdpt of a charge your authorization to reopen your accotan. Additiorolly, your aceotm will rot be Dosed until y'ou pay ell amounts you owe ue indudnq: any tmrtaadiore you have authorized, flrmroe durgea, past due fees, ovenimit fees, rmumed payment fees, cash advance fees end any mbar tees assessed to your acceutt. You are reapareide for these amotms whether they appear on your acctxm at the ilme you ragtreat to close the account or they era Incurred strlt&quent to your regtaat to dose the accent. TNa may result In charges appearirq on your accent Brier you have your atxatm if h fas already been dosed. For example, if you aulnnzed a purchase fran a rronyurn and wa receive the trereacdon from the merdam ariar your aceant has been tloaed, your eatxrN will ha raopatM, tfa amoun of the dtarye will be atldod to your etxwtnt, and you will be respanWNe for paymern. If there is e membeuNp fee for your atxxxm, the tea will txmir.e m be derrr~tp~edd, m the extarrc pamtitted by law, tanil the eccotm beleroe has bean paid in fWl as detkad above. 7. Uaitg Your Aoaotm.Vour card or accotm carrtot be used In txxntectlat whh enY knemet gamding trareaabre. 8. Notba About F]aotroNo daaok Canvardort. When you provide a check as peyrnent, you atr[fadze w eiilter ro tee infortnatlm from ytxr dteck to make a ana-time derzroric turd tmrefer from ytttr bank accent or to process the peymern ea a deck trereacdon. When wa the informetron fran you dolt to make an electratic ftztd turetar, fords may ba withdrawn from your bank aCCgYlt 89 90art a9 rile a9me day WB fBCBIVa youf peymarn, and you will not receive your Mack beck from yotu frrertdal kretinrtian. BIWNG RIGHTS SUMMARY (In Case Of Errom Or Gueadgm Aban Yaur Bg8 If you 1Nnk your bgl is wrong, or ii you need mare Informailm an a troreactlan or NII, write to ce m e aepaute sheet as anon as possible at the address for 'rtquiriea shown an rite ban of tNa statantm. We mum hear iron you ro later than 80 derpp after we stmt you the first NII on whch the error or Drablem appeared. Vou ran call otu Ctetamer Rdailore rttmber, bra ddrtg so will rat Preserve your rights. m your letter, Bi`re w the fdlowing rnmmailon: your name and accent nether, the ddlar smarm of the arepeded ertor, a description of the ertor era en explanation, if poaade, of vvfiy you believe there is en error; or If you Head more Infomtetion, a deacnptim of the hem you ere ureure abort. You do not have to pay any amotnt In quealon vMle vas are inveatigeang 't, but you re stlll obliga~ed to pay the pens of your bill that are rot In question. WNIe we inveatigato your question, we cemot report you as delirxpertt or t ke env action to cdlect the amotnt you question. i,'~' Special RWe For Credl Card Puchesea Ii you Mve a problem with the quality of property or aeMcea that you purdased with a credt card and you have tried o goad faith to cened the problem vAth the merchant, you may have the right rot to pay tfa remeiNng amotnt due m the properly err aeMCes. You have Ws protectlon oNy vAten the purduae price was more then 560.00 end the purdase was made in your fame ante a wfthin 100 miles of your mailing addreae. (If We own or operate rite merchant, or if we mailed you tfa advenisanent for the pr nV or aeMces, all Wrdteses are covered repardeea of amotnt or oration of purchase.) Feese remember to sigt all correaportderoe. 'r Does tar apply to enrxwurrer non<redN card accounts 3 Does not apply to basiness non-crcdii card accounts privacy Protection: sea our eel aeMce mark o1 Capital ~' a. flaw Period. Vou will have a mirimtm grace period of 25 days witiatrt finance tlterpe on rte~w purdtesea, row balaroe tmrefem, new spedal purtlasee and new other drerges if you pay your total 'New Balance', in accordertce wish tits Importern Notice mr paymeno blow, and in time mr it to be credited by your next statement tlosirg date. There is ro grace penod an rash edvartces and apedel trereteu. m adrfltbn, there is ro grace period on any tmrtsertlm If you rb rot pay the toml 'New balance.' b. Aoorukg Ffnrtoo l7tarya. Trareactlare vdtich era rot abject to a grace period are asaesaed finarae charge 1) tram rite date of rite trareactlon or 21 from the date Me trereaction is processed to yotu Accent or 3) from the first celendar daY of the curterx hillirq period. Addtimally, if You rid rot peY the 'New Bderxx' from the Previote Nllirtg period in fWl, firortce drerges txtndrare to accrue to your tatpakt bdartce troll tfa upaid balertce is paid in fWl. TNs meare that you mayy sriY owe franca drergea, even if You peV the eradre New Balartce indcatad on tfe born of your statement bV the next atatettartt dosing date, bu did not do so for the prevktus month. Urtpeid firtartw daryae are added m the a ceble segmetu of your Atxxxnt. tc. MNrtam FYtrrw s. Far each Nlllrq period that your atxxxatt Is stbJea to a ikartca dterge, a miNmun total FlNANCE CHARGE of 30.60 will be impaead. If the rout firerxx tlm tram trte Ication of your pedtxic rete(sl is I~ tfert 0.50, we stbtract that emotm tram the 30.50 miNmun std the dfferertra will be Nlled m the ptuduae segntm of ywr etxntnt. t d. Torrparary Rotiudion it Fnanoa Qtrga. We reserve the right m rwt eaaeas any or ail firwrae tlrergea mr any given Nllirtg period. 2. Avorago Daly BYaneo Ilnokdig Now PVahaapl- a. Hnence charge is calaleted 6y mtldplying the deify balance of eatlt segmern of your arxxxm (e.g., rash edvartce, purchase, spedal vare(er, and spedai purtitese) by the correspondng dally pedodc rate(s) that has been previotely dsdosed to you. At the end of each dervy tiudng rite Nllirg period, we apply the daYyy pedodc rata fo eadt sepnent of your accent to Ute daily balance of eadt segment. Then at the end of the Nlrltg period, wa add w tfte reaps of tftese daily celcWadare to arrive at your penodc finance dverge for eadr regnant. We add tp the resWta fran eadt xgnern to artive at tfre tool pariadc furartce large for yotr arrant. To gat the dally balartce for each sagnen[ of your atsoutt, we take the beprvwng belerae for eaM regnant end add artyy rtew trereactiare and any periodc firance tlrerge celcWated on the previote data beortce mr that eegnent. We then aWtrea any peymenta to credts posted as of that ley that ere allocated m that sepnem. TNS gives re the separate daily belartce for east aogrtent of your eccan[. However, if yw p~eitl tM New Balnrtce shown m your preNae statement in kai (or If your rtew bet was zero or a creel[ amouttl, row trareadiore which poet to your ptnchase or apedd purdaae segneno em not added [o the daily bdartces. We calcWate the average daily balance by addrtg ell tfte daily baleraea togedar end dritfirtg ttte sun by tfa raarber of der days in the txrrrertt NYing cytle. To celaaete your tad firreroe drerge, mWdply Your average daYV balance by the daily periodc rote end by the ember of days in the Nlling pedotl. Due to raatdirg on a daily beefs, there may be a sfigM variance betwteat Ws celaletion and the amotn[ of flrrerce riterge acnregy assessed. b. If the code Z or N appeare an tfte horn of Ws statement nee ro'Bdertce Ram Appllad To,' vve mdtlply Ute Irrportan NtNoo: Paymems you mall to ua will be credited to your accent ea of the budreea ley we reailve h, proNdad 11) you send the bottom portion of Wa atatemem antl your deck In the enclosed remittance envelope aM (2) your payment is recetvod in our procesalrtg timer by 3 p.m. ET (12 noon PT). Please allow at leas[ flue (5) buairtesa days for postal tlalivery. Paymeme recdved by ue at any other location or rn any other form may rat be credited as of the fieryy we receive them. Our buairtesa days are Monday through Saturdayy, exdtxing holitlays. Please do not use naplae, paper dips etc. when propanng your payment. When you sand us a dtack(s), you autfarize u to make a tatabme dactronc tunatar debit iron your bank accotm for the amount of the check ~Thie atnfadzatian applrea to all checker recaved dunnp the billing cyder even If sent by eanearte doe. It we carrot process the transfer, you autlariza us to make a charge agsinst your bank accent uairq the check a paper doh or other item. TJX v- 028 And don't forget you earn rewards on every TJX Visa® purchase! Its that easy. • Earn 5% rewards on purchases made at T.J. Maxx, Marshalls, HomeGoods and A.J. Wright and earn additional rewards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxi, Marshalls, HomeGoods or A.J. Wright store location. ~ Marshalls. meG A.J Wright •rtesr ses. rte ar,...as rm r mn sad ca~an~o„s le I orte, os:vid~raroal alclou~m kner ~,~ wu u<r~~t~ 028-1103 s.s~„' yo~,,uigla. ~~1~' TJx Account Summary Previous Balance 51,217.90 Payments, Credits and Adjusmients 5100.00 Transactions 5155.89 Finance Charges 529.21 New Balance 51,303.00 Minimum Amount Due 5103.00 Payment Due Date June 09, 2006 Total Credit Line 51,200 Total Available Credit 5.00 Credit Line for Cash 51,200 Available Credit for Cash 5.00 At yolu service To nll Cltstomer Relations or to repon a lost or stolen cord: 1-877-534-6841 Send payments to: Scnd inqui[ies to: Attn: Remittan« Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30255 St Louis, MO 63179-0216 SLC, UT 84130-0285 PLATINUM VISA ACCOUNT APR to - MAY o9, 2006 4934-2224-9066-8657 Page 1 of 1 Rewards Summary- this summary reflects transactions Hosted durin¢ this billin¢ cycle. Previous Rewazds Balance 57.28 TJX Rewazds04/07-05/06 5.00 Other Rewazds04/07-05/06 f.75 Rewazds to be Issued 5.00 Balance as of OS/06/06 58.03 Payments, Credits and Adjtutmenrs 1 25 APR Transactions Cap 1 ElearonicPhonePmt AuthDate 24-APR 3100.00- 2 25 APR PAY-BY-PHONE FEE f10.00 3 27 APR SAYLORS NEWVIULLE PA 4.37 4 27 APR SAYLOR'S MARKET NEWVILLE PA 20.01 5 27 APR SAYLOR'S MARKET NEWVILLE PA 51.01 6 27 APR CASH ADV. ARLISLE ROAD NEWVILLE PA 41.50 7 29 APR OVERLIMIT FEE 29.00 s 09 MAY CASH ADVANCE FEE - -FINANCE CHARGE 5.00 F'tnanee Charges Pkrue tee revnie tide for imfartant information Ba! armY Periodic Corrrjyonding ~~~~ grplirdM r~r AAPR AiC PURCHASES 550.74 .06452%D 2355% 5.98 CASH 31,194.98 .06479%D 23.65% 523.23 ANNUAL PERCENTAGE RATE applied this period 28.1496 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~ 0000000 0 4934222490668657 09 1303000100000103007 New Balance (1,303.00 Minimum Amount Due 5103.00 Payment Due Date June 09, 2006 Total enclosed 5 ~~ Account Number: 493422249066-8657 P! epirst~ng~s~ r-mai/rAmegrr br! svixgblsw orblark ink Sweet Apc Y Ciry Sam ZIP Home Phone Almrnam PMne Address Capital One Bank P.O. Box 790216 ~t~s~uu~~s~~n~~ns~ St. Louis, MO 63179-0216 ~t~~uu~~nn~~~ut~~i~n~~suu~l~ut~~t~~uut~~t~~u~u~t~ Pleare write yora account number on yatt #9013071589949293# MAIL ID NUMBER ~ EMILY E STUM 1329 DOUBLING GAP RD ,:, NEWVILLE PA 17241-9758 ° ~ ~su~~~us~u~s~s~u~us~~~~~u~ut~s~t~t~n~ns~t~~t~ut~t~t check m money miler made Payable to C ltd One Bank and mail in the enrlared envelope. r O ; O pmp~~~ O t~'>N penodc rate. To obtain the average daily belance for the billing period covered by this statemtm, we take the begirxxnq balance of each xtarrtem each de V, add anY yew lfereacliOre 10 eadl eegmrm, artd 9tbtraCl anY payment9 or credits. 111 the code N eppean m the hart of tNe atatemem next to 'Balance Rete Applied Ta,' we alx auhtrect any utpdd flrerice charge included in the belartce of each x .)TNS gives re the daily balertce Of each segment. Then, vre add W ell the dallyy balances for each aegnent for tfe Ngirtg periatl and dNde by the tmal nunber of days In the Nlling pedotl. TNS gives us the average dally balance of earn ae(}nant. 3. Arced Prertape Rates IAIKt6 a. The rein 'Annual Percmta(p Rate' may appear ea 'APR' an the front of Wa statement. b. If the code P IPrime), L 13-mo. LIBOR), C (Certificate of Depoah), or S IBenkceN Prime) appears an the iron of this atatemem neat to the pedodc rate(s), the periodc rates and cenaspondng ANNUAL PERCENTAGE RATES may vary quanedy and may iroreax or tlacreax based an the anted indcea, as found in The Wed Svea7 JoumaJ, plus the margin ppreviously dadoxd to you. Thex chennea w/fl be effectlve on the flnt daV of your dgirq period covered by your pedodc statement erring In the monlha Japery, Aprg, JWy end Odaber. c. If the coda D (Prime), F (1-mo. LIBOR) or O (3-ma. LI80R Repriced MomNy) appaan on the fran of your amtemem roxt l0 the periodic rate(s), the periodc rates end cerreapondrtg ANNUAL PERCENTAGE RATES may very montNy and may iroreax or decreex based on 1be anted indces, as Land in The Wed Szreet Joume% plrs the margin previously 6acloxd to you. These dergea will be effective on the first day of your Nllirq period eadt month. 4. Aaoesernnt of Late, Ovrfirtit aryl Rahrraad P-Ynwnt Fws. Your accetm will be aaxxed ro more then two of the tees listed here that acwr a,rirq any Nlling period. Under the terms of your customer agreement, vve rye the right to waive t to axesa any teas wlthnut p I ratification to you without walNng our tlght to assess the Brame or similar fees at a later time. 6.1'RrwNip Yorr Aaravt. If a membersftp fee appears on the front of this statemem, you have 30 days tram the date [Na statement was mailed to yeti to avdd peyirtg the tee or to have such tee credted to yeti if you caned your account. During tNa period, you may continue to toe Vour eccotnt witbetrt having to paY the membership tee. To cerod your accerm, you must notify us by calling our Customer Relations Department and pay yyour 'New Balance' in fief lexdtrirg the membenttip fee) prior to the end of the tNrty-day period. e. H you Cbse Vat Aoatrrrd. Vou can request to dox YYour account by calling our Cuataner Relatlare Department. you must destroy your credit card(s) and accotrn access decks, cared ell preatnbedzed Nlling, end ceex uairte your eccoutt. If ytw do rot cancel preatttMd:ed Nllirp arrangements, we will consider recdpt of a charge your atnMrization to reopen yywr accotnt. Additiarelly, your ectaun wfll rat be dosed until you pay all amounts you owe ua indudnq: any trereadima you have autfarized, finance charges, past due tees, ovedimit fees, retained paymem fees, cash atlvartce fees and any other tees aaxsaed to your aceoum. Vou are resporeihle for thax amanta wAetber they appear on your accotm at the time you request to clox the account or they are Incurred aubsequam [o y r request to dose the eccarnt. TNa may adt in charges eppeenrtg an your acceunt abet you have your eceoutt if h hag already been tloxd. Pot example, if you aralrodzed a purdax from a nterdam and we receive the treraacdon from the merchem after your accel+d has been tlosed, your accent wig be reopened, the amouH of the tlerge will be added to your nocetm, and yyoouu wig be reaponeide mr paymem. If there is e membenttiP fee for your aoeant, rte fee wall txntiste m be tlrarged, to the extern pemtitted by law, tntll the arrartt Balance has bean pald in NI e9 defined above. 7. llakrg Yar Aaaard.Vour card or accrxxm carrot be used in cevrectlm whh any imerret gambling trereectbre. 8. alodoe Mat EleoOoNe gaeek Canvaralorr. When you provide a check as payment, you authorize us eNsar to rrx information from ytxr deck m make a onetime dectroric trod trarefer from your bertJc eceant or to process the ppeeyttttxtt as a deck trareactian. When we use information fran yet deck to make m dectroNc (raW trarefer, ftatrLS may be withdrawn from your bank etxant as som as the xme day we receive r paymem, and you wig not receive your tleck back from your faara:ial irodnrtion. BIWNO RIGHTS SUMMARY Iln Cax Of Errors Or Queallare Aber Vwr Bile If yott tHnk your NII is wrong, or ii you need more Intormailon an a vareacdon or NII, write to us on a 9eparele eheel aS 90ar1 89 pOaalNe al the eddrese }Or rtqunas ahovm on the tram of Wa sratemem. We must hear from you ro later then 80 dayyss after we arm you the firs[ Nll on wlrch the error or prohlent appeared. You can call our Customer Rdadere number, but ddng x will rat Preserve your ridrn. In your letter, give ce the fdlmvirq nmrmadan: your name and account twmber, ttte ddlar amount of the suspected ertor, a deacriptian of the eror and an e~iaretim, ii posside, Of why yeti believe there is an error; or If you reed more inioma an, a deacripllon of the hem you are trtwre abort. Vau Oo rat have to pay any amotrn in gcea[lan while we ere Investigming it, hnn you are still oNiget~d m pay the pans of your hlll that are rot in quesilan. WNIe we Inveatlgato yow queailan, we ramm report you as definµrmt or rake any action to collect tbe amotnt You Westicn. 3,'f Special Rde For Craft CaN Purchaxe Ii VW have a Problem with the quality of prapery or xMcea that you Wrchesed with a credit ceN and you have tried In good faith to correct the problem with the merdunt, you may have the right rot to pay the remaining amount due on the pr rty' or xMcea. Vou have Ws protection oNy when the purdlax price was mare than 950.00 and rho Wrdnx was made in your home state or within 100 miles of your maginq address. Ilf we own or operate tie mercham, or ii we mailed yeti the adveNxment for tfe p try or xrvicee, all Wrdeaea ere covered ragerdesa of errant or lacailon of purchasaJ Reax remember to ai(>n all certeapoMerus. t' Does rot apply to consumer ronuradd card eccowrts 3 Does ro7 oppty fo business ron-credit caM accounts One apporte information privacy praection: sx our at wmv.capmloro.com. One is a federally regla[ered xrvica mark of CapRel artdal Coryoratian. All ngMs reserved. ° 2003 One 01 LGLBAK t a. Qaw Priori. Vou will have a mirimun grace period of 25 days widtou[ finance tlarge an new Ptuchaxs, new balaree trerefen, new spatial purtitesea and new Other drerges if you peV Your reel 'New Balance', in accoNaree with the Intportem Nodce for peymems bdow, and in time for h to be credited by your next s[etemem dosirq date. There is ro grace period on cash edvarxxs and spedel transfers. In addti0n, there is ro grace period an any trareeetion if you do rot pay the total 'New balance.' b. AorWng Fkrrae Charge. Tronsectiore vNidt are not subject to a grace period ere assessed flrertce drarge 1) from the date of the vereactlm or 21 frerrt the date the trareacrion ie processed to your Accent or 3) from the fiat raleMer clay of the curttatt billirq ppee od. Addriorelly, if you did rot pay the 'New Bderrce' from the previous Nllirq period in fWl, finance dratgea continue to accrue to your tnpaid bdatae aryl rite upaid balance is paid in fol. This meare that you may aril owe faeree dserges, even if you pay the endre New Balance ktdceted on the tram of your statement by the roe statement doairg date, but rid rat do so for the prevlee month. Uripeid flroree tlerges dried m the a calve aepnem of your Aceent. tc. Midrtam Farartw rge. fur each Nlling period that your accent la subject m a flrence dserge, a mWmtm mml RNANCE CFWRGE of 90.50 will be impaxd. If tM roral flrance darge reaitYq ftan the apdicatlan of your periodc rma(al is lass than 0.50, we will subtract that omens from the 90.50 mirimtm and the 6ffererrce will be Nlled to the purdase ~gnem of yet accent. td. 7erttparary Reduetfar in Fnanoa t%lrga. We rexrve the drift to rot assess any or all finance dtorpes mr any quart Nllirq period. 2. Avrage DaiN Balanoe IlnoftrtLrg New Pr+dtaual. a. Hnaroe charge is calaiated 6y mrriilplying the daily balance of oadt segnern of your accent (e.g., cash edvarea, purdex, apedal treremr, end spadal purdexl by tfe certesporring doily pedadc romfs) flat has been preNouslV dsdosed to you. A[ the end of each day during the Nllirg period, we apply the dogy perie-c rate for each xgmem of your atxent to the mlly belertce of earn segnent. Then at ilte end of the bilking perod, the add up the resuhs of these daily celalatiore to arrive at your periadc firertce d,arge for each sepnent. We add tQ the realta from earn segnent to arrive et tfe tmel pedodc firora:e dtarge for yet accent. To get WO daily balance for eatlt sepnent of your accern, wa mks ile 6egiming balance mr eedt xgtralt and add anyy new Inreactiore aM any periods firertce rharge calalated an the preview dey'a beleree mr that xgnent. We Vrer aubtrect any payments or credts posted as of that day that am allocated [o that aegnent. TNs gives ro the separate logy bdaree mr e h xgnm[ of your secant. However, if yw ppaeid tie New Balerrce slaws m your PreNotra amtames in fief for if your raw balance waa zero or a credt amoun0, raw trereamiore wNdt post to your purdax or sfedd ptuchox xgnerrn are rot added to the daily bdaraea. We ralcdete the average daily balaree by addng all Use dally balances together and dvidng tfe arm by tbe nanber of the Jaya in the wrrertt Nlling ryde. To celarle[e your final finance derge, mtidply your average defy balance by the daily riodc rere and bV rte nanber of days in tie bilgng peri~Due to rourirq on a daily basis, there maybe a slight dame betwa:en Ws ralctaation and tfa amain of flrence de acntegy asxssed. h. If the code Z or N eppeam an the {rant of tfis amtement roam 'Referee Rate Applied To,' we mWtldV ~° , , Irrprtrr Notloe: Paymrna you mall to us will be aedhed to your accwtt as of tbe busiraes day rte receive h, proMded 11) you sand the bottom poNan of Ws tnatemem and your deck in the enclosed remittance envdope antl {2) your payment is received in our procesaing cemer by 3 p.m. LT (12 noon PT). Please allow at least flue (5) Wsineaa days for posml ddivery. Payments recdved by ua at any other location or to any other form may rat be credted as of the de we receive them. Our bueireas tlays era Monday throu¢r Saturday, exdudrq hdidaye. Please do net ux smples, paper dips etc. vrten prepanng your payment. When you send ua a deck(s), you authorize tie to make a anti-time decttonic tranatar debh from your bank accotatt for the amain of the checkThis autfarization applies to all checks recaved tlunng lbe Nllktg cycle even It sent by someone dee. It wa cemot procex the transfer, you autberize tie to make a charge against your bank accent using the check, a paper drab or other hem. CapitalQ~' what's in your wallet?~ It could happen to anyone. Make sure you pay the amount EMILY E STUM due on your statement as soon as possible. 053 Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ~ 2006 Capital One Servicer, Ina Capiwl One it a federally mgistered service mark. All rigbn reserved. 053-08106 J TJx Account Sttmmary Previous Balance 51,303.00 Payments, Credits and Adjustments 5.00 Transactions 564.00 Finance Chages 526.72 New Balance 51,393.72 .Llinimum .~monnt I>ur 5193.72 Payment Due Datt Jvly 08, 2006 Total Credit Line 51,200 Total Available Credit 5.00 Credit Line for Cash 51,200 Available Credit for Cash 5.00 At yotu service To call Customer Relations or to xpon a lost or rtolen mrd 1-877-534-6841 Smd payments to: Sold inquiries to: Attn: Remitmna Prormsing Capital One Bank Capital One P.O. Box 790116 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 PLATINUM VISA ACCOUNT MAY l0 -JUN 09, 2006 4934-2224-9066-8657 Page 1 of 1 Rewards Summary- this summary reflects transactions posted during this billilt¢ cycle Previous Rewards Balance 58.03 TJX Rewazds 05/07-06/07 5.00 Other Rewazds 05/07-06/07 5.00 Rewazds to be Issued 5.00 Balance as of 06/07/06 58.03 Payments, Credits and Adjustments Your scheduled payment has not been received. Pleau remit the amount due appearing on this statement. if you have already made your payment, please accept our thanks. Transactions 1 09 JUN OVERLIMIT FEE 529.00 2 09 JUN PAST DUE FEE 35.00 Yotu accoun[ is one payment behind. I~.member that malting Vora' mininnmi payments by the due. date, keeps }roar account in good standing. ~irhen you miss a payment. late fees staff adding up. And nobody wants slut. So make sure }rou sen<f in the minimum amount. due on your statement to keep Your account in. good standing and to keep from paying ~uxs fees. You were assessed a past due fee of 535.00 on 06/09/2006 because your min'vnum payment was not received by the due date of 06/09/2006. To avoid this fee in the future, we recommend that yov allow at ]east 7 business days for your payment to reach Capital One. Finance Charges PIeaJGIGC revers[ side jm important information ~ Balanrr ~ Periada Correading ~il,~ `~ m_ ~lirdM r~ AAPR l;t1AA11CCli~. "' PURCHASES 5107.20 .06521%D 23.80% 52.17 CASH 51,209.60 .06545%D 13.90% 52455 ANNUAL PERCENTAGE RATE applied this period 23.8995 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~"°y~~~ 0000000 0 4934222490668657 09 1393720100000193725 New Balance 51,393.72 Minimum Amount Due 5193.72 Payment Date Date July 08, 2006 Total enclosed E Account Number. 493422249066-8657 Capital One Bank P.O. Box 790216 1111111111111111111111 St. Louis, MO 63179-0216 1111111111111111111111111111111111111111111111111II II111I1111I Plmrp,;atmoilingadd n~ e-maifrlnmgrrbr! rai,<db! orblarklx.E Steel Apt Y Gty Ssa ZIP Y.ome PMne Altecnau PMne #9016171589949298# MAIL ID NUMBER EMILY E STUM ~ 1329 DOUBLING GAP RD "' ~ NEWVILLE PA 17241-9758 o ~ ~ III II1I111111111111111111111111'111111111111111111111111111111 Pleare emite }ores aamrnt number on your Check m money miler madepayable to Capital One Bank and mail in the eneloted envelope. r O n ~ m~ m~~ O NN t. Flow To Avid A Finonw Charge. 'r a. ()raw Priori. Vou will have a mirlimun grace period of 25 days wittnut fnaroe dsrpe m row purdtases, new balance trerefere, rcvr sprxaal purchases and new other tlterges if you pay your teal "New Balance', in a(xrorclance with llte InlpOrtaM Notice far peyment9 bdOW, end h time for it to ce credted by your text statement dosing date. There is ro grace period m cash advartcos and spedn trerefere. In etk/tbn, there is ro gace pedod m any trereactlm If you tb rot pay the total 'New balance.' 6. Aoaruktg Ffrrrwe Chrge. Tsreadiore wNdt are not fr~mt the date of tin trednsactlon offlran the date X11 trenmctian is Drocesaed to your Accent or 3) (ttm the first celendar day of the dimem 6illirq period. Addrtiorelly, if you tW rot pay the 'New Balance' from the previous filling pedod h fill, finance dvergea conrndrare to accrue to your vtpaid bdervxa urn the tatpdd balance is paid In fWl. This meare that you may sdfl owe frurra dterges, even if you pay the entire New Balance ktdceted m the from of your statement by the next sretertan dosirq date, but did rot do eo for the preview month. Uryreld Mtartce charges as added to the apppplflcable sagntax of you Accent. t c. Mhkra+n Fhanw Chsrga. for each Nlling pedod that your arxxant Is subject ro a Ihetce darga, a miNmun total f-INANCE gfARGE of 40.50 will be Imposed. If rite tool flnarr-e darpe resWdrq from the Icatbn of you periodc rate(s) is leas titan 50.50, vs II slbtract their emotm from the 50.50 mirimun erd the dffereltce will be Nllad to the purdtave xgnem of yar accent. t d. 7anparsry Raduolim it Fnanea Clurga. We reserve the 'gM to trot assess any or all firence dwrges for any even billirq periai 2. Avrage DaiN Balanoe Iholud'na New Rrahasoal. a. Fnartce charge is calWated y mdtiplyfng the daily bolance of each segment of your accaau (e.g., cash advance, purdwse, apedal trarefer, end spedel pund>,ase) by the cerrespexlrq dally periodic rate(s) that hoe been preNeaaly dadosad to Yw. A[ the std of eadt dBy during [he filling pedod, we apply rite daNy periodc rate fo eaM seQtrtent of your aa»utt to the roily bdartca of eatit segaleM. Then n the and of the bigatg period. w° add W the reelts of these doily celaledorw to arrive n ywr pedode finance dtarye (or each aegnran. We add tp the melts from each saQttan to arrive at the total periodc firence dtaarge for your accent. To get tfw daily balance for eatlt aeatrem of ywr accetnt, we reke rite begimirtg balarxae for eetlt aegneM and add anyy rew trerwecriare and anV periodc finance dhrge celalated m the preNaw days balance for that seglnant. We then eetred any paymams or credts posted as of that day that are allocated to that aepnent. TN9 given us the separate deny balance for eadt segment of ywr accent. However, If you Id the New 8alorce sfawn on yea preview natement in fill (or if your rew balance was zero or a credt amaru), rew trareactiats wNdt poet to your purchase or apedd purdtese aegnents are not added to the daily belancn. We calculate the average daily beleroe by erkirtg all the daily balances together and dvidrg the stn by the rxntber of the days in the rotten Wflhg cycle. To celtxlete your teal firertce darge, mtltiply your average daily belartce by the daily periodc rate and 6y the ember of days h the 6flnng pedod. Oue to rolatdng on a daily bade, there may 6e a sgght variance between this celaiailm end the arrant of flnarce therga actuegy assessed. b. If the code Z or N appeas on the front a1 Ws astemem rext to -Bdorax Rate APplea 70; we mtingy rite p~erodc rate. To obtain the average daily balance for the hillirq period covered by tNs natement, voe take the b°f)rnat9 balance of each segrrlem each day, add any new vansactiore to each aepnem, and st6tsd any yments or credts. Ilf the code N appears an the from o1PtNa astement roxt to 'Balance Rate Applied To,' vre also stbtrad any utpald firertce charge irxltrded in the baknce of each ggmm 1 TNs gives u9 the daily balance of each aegrnent~Then~tvre add tp all the dallyy belancea for each aegnem for the Nlllrg pedod and dvide bV the total number of days h the billing pedod. TNa gives us the verege dally balance of eadt segnent. 3. Amd ProrMape Rates fAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR' on the iron of this statement. b. If the code P (Prime), L 13-mo. LIBOR), C (Certifcate of DepoaiU, or S (Bankcard Prime) appears on the from of this nnement roe to the periodic stele), the periodc rates and ceneapetdng ANNUAL PERCEMAGE RATES may very querteriy end may increase or decrease based an the stated rrtdcea, as irxrd h The Well SUeef Journal, plus the margn yyretiottsly datlosed to you. These ritengea will be effective on the flat day of your NIIIng pedod mvered by your pedodc statement erring In the months January, April, Jdy nd Odoher. c. Ii the code D (Pdme), F I7-mo. LIBOR) or G 13-mo. l1BOR Repriced MontNy) eppea the from of yea sstemrn next to the periodic te(a), the pedadc stn and cerrespondrto ANNUAL PEACENiAGE R,4TES may vary maMiy annddmay increase er decrease based on the Hated indcea, es tared h The Wel/ Sheet Jaumal, pit a the margin preNadY daclosed to you. These chergea will be effective an the first day of your billing period each march. 4. Asseserrtarit of late, Ovrfirti and Rstlrned Psyntrlt Fw. Your eccotnt will ba assessed ro more then two ai the Leos listed has that occur during any blllirp pedod. Under the terms of your customer agreemem, we reserve the fight to slue or cwt to assess any tees without pp or rotlflcnion to you vNthoul walNng our fight to easesa iM same or dmllar fees at a later time. 6.tRrtewlrq Yar Aorptnt. If a membershp fee eppeara on the from of this natament, you have 30 days from the data this statement was mailed to you to avoid paying the tee or to have ouch fee cradled to you it you caned your account. During this pedod, you may continue to use your accent without having to pay the membership tee. To cancel your account, you must notify us by cellirp our Customer Relations Depanment and pay your 'New Balance" in full lezcludng the membersNp tee) Prior to the end of the ddnY-daV Period. 8. If You Cbw your Aoorrtad. You can requan to dose ywr aawnt 6y calling our Customer Ralatiore Department. You must destroy your credit cardls) end a ount acceaa checks, caned all preauthod:ed Nlling, ant cease using your accotnt. Ii you do rot caned preauthori:ed Mllirq arrangements, vre will cawider recdpt of a charge your atrtltorixetion to sopen your accaxn. Additionally, your accelnt will not be dosed until you pay all amounts you ova ua intluding: any tranaediore you have euthoriied, finance charges, Pear due tees, overlimit ices, retuned payment fees, cash advance fees ant any other tees esaeased to your account. You are reaponaiNe for those amounts whether they appear on your account at the nme you request to close the account or they are Incurred subaequem to yowgreso ~~~rct lgo~ the acct alter yw Itavet In your accent if a has already been dosed. For exempe, if you aulhorixed a purdtese from a menYtent and we receive the trereacdon from the mar bent after your aceolnt has been tlaaed, your accoun will be reopened, the emoun of the tltearye will be added to your accent, ant yyoouu will be respetdble for payment. If there is a mem6ersltW tae for your errant, tfte fee will txndrare to be dmrged, to the etttatt pemitted by law, until Ne accent baance has been paid In fill as deflrted above. 7. l/shp Yotr Aoartm.YOUr card or aceaan carcwt 6e used in corrtectim wkh any htema gamding trareacdore. 8. HoDw A6a[ F]eotrorio Cheep Canver:fon. Wtxfn you provide a dteck as payment, you authorize ce tither to tee infomation from your dteck to make sate-time dectrortic find trorefer fran you bank eaxxax or to process the payment as a dteck trareaction. What we tree iniomanm frortr yolr dteck to make an dedratic find trarefer, trade may ha withdrewn fran your bank atxxtrN es son as the same day we receive your y~otrrfnande I're tutiort. receive your tltack back fran BIWNG RIGHTS SUMMARY pn Case Of Erros Or Oueailona About your Blip If you tNnk yea Nll Is wring, or it you rteetl more iniormatlm on a trarwecdan or bill, write to ue m a separate sheet as soon as posside at the address fe nquirrea shown an the front of this aretement. We nun hear from you ro later than 60 days after vre earl you Me flat Nll on which the error or problem appeared. You ran call au Customer Rdetiore number, hm dairq so will not preserve your righu. In yeu letter, give us the idlovArtg intortnatlon: your Hama end accent raardter, the ddlar e ant o1 the auepeded error, a description of the error end an explanation, li poadde, of ~ you bdieve there is error; or if yw need more intoner an, a deactlptian of the item you are utsure abrxn. you Oo rot have to pay any t in quenian wNle vve era Inveatigning it, htn you m still obligated to pay the parts of your d'll that are rat n questlon. WNIe we Investigate your quesdm, we carrot capon }au as ddira5wrtt or take any actin to collect lire amen you question. i,'f Spatial FAae For Cradt Caro Purchases Ii you have a problem with the quality of property or aeMces that you purdtased whh a credt card and You have tiled In good faith to carted the probem with the merdsnt, you may hew: the right not to pay the remaiNng arrant due on the properly or aeMcea. Vou have 1Na protection oNY when the purdux price was more than 550.00 and the Wrtltase wee made in your home state or within 100 miles of your marling address. Ili we own or operate the merchant, or if vas mailed you the advertisement for the property or aeMces, all purchases are cevered regardess of emaun or location of purclwse.) Please remember to agt all correspondence. t Goes car apply to coasarr r non-credit card accounts 3 Does rot apply t0 business nor-credfi Card BCCOUnts One atyporta infomation privacy protection: ass our et www.cappslona.can. One ie a fedaslly reglstored service mark of Capital artdal Corporation. All n¢na reserved. ° 2003 One 01LGLBAK Irrportart Notioe: Paymema you mail to ua will be credted to your aaxxm tie of the Wdrwsa day we receive h, proNdetl (1) you send the bvttam pomon of tNa natemaM and your dteck In the eroloaed remittance envelope and (2) your paymem is recdved In our p sirq cemer by 3 p.m. E7 (f 2 noon PT). Plwae allow at lean flue (5) business day. for poswl delivery. Paymams recdved by ua et any other locaoon or in any other form may not ba credted as of the day vre recdve them. Our budneae days era Monday thragt Saturday, excktdnq hdidaye. Please do rat use ssplee, paper dips etc. when preparirp your payment. When you send us a check(s), you authorize ce to make acne-tlma electroric trensfer deMt free your bank accent for the amen of the check ~TNa autfwrizegan eppllae to all checW receved during the billing cycle even it sent by aameona else, If we canrwt prooesa the tsnefar, you autltoriza us to make a charge against your bank arrant udrq the check, a paper draft or other item. And don't for et ou earn T'Jx v- 02B rewards on a ~ry TJX Visa® purchase! Its that easy! • Earn 5% rewards on purchases made at T.J. Maaoc, Marshalls, HomeGoods and A.J. Wright and earn additional rewards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Marc, Marshalls, HomeGoods or A.J. Wright store location. TJ•mc~ Marshalls, ~s A.J Wright 'Flax xe die Rer.Ms Pro rsm Term.. and Cnndi~iuna in I otkr nr a<tdirional dirclouvc In.er Inc full derails. 028-1703 g your nriyna Capit~g v PLATINUM VISA ACCOUNT JUN to - JUL 09, 2006 T T J~ 4934-2224-9066-8657 Page 1 of 2 Accounts J 1 1 Previous Balance ;1,393.72 Payments, Credits and Adjustments 51,300.00 Transactions 51,148.11 Finance Charges ;41.62 New Balance 51,283.45 Minimum Amount Due 583.45 Payment Due Date August 09, 2006 Total Credit Line 51,200 Total Available Credit 5.00 Credit Line for Cash 51,200 Available Credit for Cash 5.00 At your service To call Customer Relations or to report a lost or stolen card 1-877-534-6841 Send payments to: Attn: Remittance Processing Capital One Bank P.O. Box 790216 St. Louis, MO 63179-0216 Send inqui[ies to: Capital One P.O. Box 30285 sic, uT s413o-ozss Rewards Summ ary- this summary reflects transactions posted during this billing cycle. Previous Rewards Balance ;8.03 TJX Rewazds 06/08-07/05 5.00 Other Rewards06/08-07/05 ;4.31 Rewards to be Issued ;10.00 Balance as of 07/05/06 ;2.34 Payments, Credits and Adjustments 1 13 JUN ELECTRONIC PAYMENT ;1,300.00- Transactions 2 20 JUN KW1K FILL Q66 CARLISLE PA ;4.90 3 21 JUN PIZZA HUT #10062610050 SHIPPENSBURG PA 21.05 4 21 JUN GIANT FOOD STORES #120 MECHANICSBURG PA 3.00 5 21 JUN GIANT FOOD STORES #12o MECHANICSBURG PA 4.06 6 23 JUN GRAHAM MEDICAL CLINIC NEWVILLE PA 49.00 7 23 JUN WM SUPERCENTER CARLISLE PA 19.12 8 23 JUN MGM PHARMACY INC NEWVILLE PA 9.99 9 23 JUN CASH.4DV. T/9 W BIG SP NEWVILLE PA 302.00 10 24 JUN TARGET 00020990 CARLISLE PA 23.35 11 24 JUN MCDONALD'S F10212 CARLISLE PA 4.98 12 2a JUN HESS 38257 CHAMBERSBURG PA 46.ao 13 24 JUN KNUTE'S PUB AND GRILL SHIPPENSBURG PA 48.25 14 24 JUN CASH ADV. 070 LINCOLN CHAMBERBURG PA 102.00 15 24 JUN CASH ADV. 04 E. HIGH S CARLISLE PA 202.00 16 25 JUN GABRIEL BROS - MECHANI MECHANICSBURG PA 48.95 17 25 JUN SUNOCO SVC STATION MECHANICSBURG PA 6.16 18 25 JUN BURGER KING #5607 Q07 MECHANICSBURG PA 10.10 19 25 JUN CASH ADV. 04 E. HIGH S CARLISLE PA 82.00 20 26 JUN SHEETZ 00000703 SHIPPENSBURG PA 24.22 21 26 JUN KWIK FILL Q66 CARLISLE PA 4.27 Finance Charges Please lee reuerJe rid e fo' imfortant inf or m atron p on r Prriodir C ~g ~ l ~ l ~~ appliedto APR I:HAI( PURCHASES (254.89 .06521%D 23.80% f4.99 CASH (586.01 .0654896D 23.90% (11.51 ANNUAL PERCENTAGE RATE applied this period 51.9790 • PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4934222490668657 09 1283451300000083455 New Balance 51,283.45 Min'unum Amount Due 583.45 Payment Due Dale August 09, 2006 Total enclosed E Account Number: 493422249066-8657 P4arrprixt mai!'ngad~ru~ r~-„eaildaxrrgrs br! urixg bf wb/ar,E irxk Sweet Apt M City Suu ZIP Home PMn< Alaraau Piwa< 0 Emul Addres ~ ~ #9019071589949297# MAIL ID NUMBER Capital One Bank ~ EMILY E STUM P.O. Box 790216 ~r~r~ur~t~u~t~u,~~~ ~ 1329 DOUBLING GAP RD c NEWVZLLE PA 17241-9758 St. Louis, MO 63179-0216 ~t~~nu~~un~~~nt~~t~n~~nut~t~tu~~t~~nut~~t~~n~u~t~ ° ~ ~ut~~~nt~n~l~t~n~nr~~~t~n~ut~t~t~t~n~ut~t~~t~ut~t~r~ Plcase unite your auount number on your check m money order made payable to Capital One Bank and mail in the enrloied ensulope. r 1. How To Avid A Firanw Charge. t a. traw Poriad. You will haw: a mirimtm grace period of 25 days witfaut finance charge m rew purdases, new balance trorefars, new special purtlases 911d new tdar charges if yw pay yrwr total 'Now Balance', in accerdence with tfa Importern Notlce for peymmm !slow, and in time for it to bo seated 6y Yarr rex< statement dosing date. There is re grace period m rash advances and 9pedal trarefers. in eddtion, them 19 re grace period m any ten Ylm if yw do rot pay the total 'New bdarce.' b. AoauFtY Firtawo Clurgo. Traraectlms wftdt are not subject [o a grata period ere assessed 14rance drerge 1) from [he date of the trareactlm or 2) from the date the trareactim is Droces9erl to yrtru Accent or 3) (torn the first celeMar day of Ute wrtax NINng pa od. Addrtimally, if You rill not pay the 'New 6darca" non the Previous billing padod in ft11, finance darges tanvan ro accrue to your repaid balance trail the unpaid balance is paid in fril. TNa meare that you may sdY owe franca dterges, oven if Vou PaY the enure New Balance indceted m the from of your arstemmt by the rext statement daairtg date, but rid rot do so for the prevfae march. Unpaid flrertce flanges filed ro the appppYYce. a aegnian of your Atxxttm t c. MHmm Fbarwo Chrg .For each Nlling pedal that your aceant is strhject ro a Itarae Utarpa, a mlNmtm rota! RNANCE CIiNF2GE of >0.50 will be hnpoeed. If the total flrerce dterge reatlung from tla apdicatlm of your periodc ate(s} is less then 80.50, vve will stLtrect Nat arrant frtxn the 80.50 mWmun end the 6ffererae will be billed to the purtireae aept~ertt of you secant. td. Tanparary Raduatisn it Fnanaa Chrga. We reserve Ne fight to not assess any or ell firertce charges for arty given bNling period. 2. Average Daily Balanaa (NtokrNq New Prahasaal. a. Rnance charge is cela7ated 6y mrlildying tfa deity balance of eatlt aegrrarn of your secant (e.g., cash advertce, purtlase, spade! trarefer, and spade! purchase) Dy Ute mmespaxim0 dally periods rate(sY vat has bean preNadY dsdosad to Vou. At tla and of each daV drdng the Nllirtg period, we aptly tfa logy padodc rero for oath segment o your accent to the daily bdance of each sagnmt. Then at the std of the bigirtg period, we add tp tFte resins of these daily celcdetiore to amye e[ your periods firertce large for eadT aegnartt. Wa add tp the reatirs from eotlt segment to emvre at life tool periods fuartce large for you accent. To get Ute deilV balance mr ealy segment of your accent, we take va bagirrtirtg balance for eatlt aegmem end add artyy rew trsreadiore and any ppeedaf~ firartce dterga calafatad m va previote tloya Delarce for that aegmran. We Nat atbtraa any payments or credts posted es of that ley that are aNocated m vat aegrtar[. TNs dues to Ne aeparsta daily balance fw eadt aegnent of Yotrr araoun[. However, if you~ id the New Balance dtovwt m you previote statement in NI (or if your rtew balance was zero or a creel[ amomt), rew trtraecuma which post to your prulrese or spell purchase sagnenu are not added to the daily balances. We celafate the average daily babrra by atfang eN the daily belercea togevar end dviring the sun by the rvntber of tfa days in the wrrax biting cytle. To ralaime your tool firerv:e large, mUVdyy Vour average deNV bnlxae by the daily riodc rate and by Ure rarttcer of days kt va bilNng pa~Dta to rarxYrp m a doily basis, Nam may be a sggM variance 6aweat Ws cdraiatim end Nor enTOrrx of flrertce large acnally assessed. 6. If the code Z o N appeaa m the ran of Wa sutemam ren ro -Balance Rata Apdied ra; we mdtldy trta . . periodic rate. To obtain the average daily balance for the billing ppeeriod covered by Ws statemen, we take the begrrWg balance of each segment each day, add any rtew trereacilore to each segment, and subtram any peymems or credta. Ili the code N appears m the tram of this arstemmt next to 'Balance Rate Applied To,' vve also aDtmct any updd flnertce charge indutlatl in the belanoe of each segm ant.) TNa gives re the daily balance of each aegmem. Tian we add up all the tlallyy balarxxe for each segment for the filling period erd dNrb by the tad number of days in the billing period. TNs gives us the ggaa daily belartce of eatlT segment. 3. Mead Parnortaga Rags (AlMt6 a. The term 'Annual Peromtage Rate' may appear as 'APR' m the iron of tltia statement. b. Ii the code P IPame), L 13-mo. LIBOR), C (Certificate of Deposit), or S (Bankcam Prime) appears m the frart of this atetemem re>R to the periadc rate(s), the periadc rates and certespatarq ANNUAL PERCENTAGE RATES may very quanetly and may increase or decrease beaetl m the sated irtdcea, as food in The WeU Street Joume% due the margin ppreviotely dstloaed to you. Tlaae chanpea wiN be eNeNVe m the first day of your tilling pedal covered by You Pedodc atatemem atdrtg In the months Jarsary, April, Jdy and October. c It tla code D (Prime), F (1-mo. UBOR) or G 13-mo. UBOR Repriced MomNy) appears m the from of your natemem rext to the pedadc rate(s), the pedodc rhea and correapoMirq ANNUAL PERCENTAGE RATES may vary monWy and may increase or decrease based m lla stated indcea, as fount h The We0 Street Jaunel, plus the maryln prevlardV dadosed to you. These tlargea will be eifectlve m Ne first day m your Nllirtg period each month. 4. Aasgamrr< W Leta, OvarTirtit artd Rabartad Psymarr Far. Your eccoun will 6e aaeeased re more than two of tla fees listed here that occur during any billing period. Under the terms of your cunomer egreemem, we reserve tla fight to waive or ret to eseees any tees without rior retiflcatim to you without waiHrg our fight to assess the same or dmilar fees et a later time. 6."rRanwvitg Yw Aaoout. If a membership fee appears m the irmt of this atetemem, you have 30 days fran the date tHS statement was mailed io you to veld paNrq the tee or to have salt fee credted to Vou if you cared your accetnt. During this period, you may Catllree 10 U9e year a000U111 Without IaVing 10 pay the manharship fee. To caned your eccemt, you must n tity us by telling our Customer Relatims Depanmem and pay yyour 'New balance" in full lextluding the membersNp feel prior to the end of the tNrty-day period. 8. N You Cbaa You Aoootan. you can request to dose yyour acceunt Dy telling our Cretomer Palatlms Department. You mtet destroy your cradh card(s) end accotm access checks, caned all preauthodzed billing, and cease udnp your accotnt. If you do ret caned preauhorized bllirtq arrertgementa, we Will consider receipt of a charge your attthorizetim to reopen your accetm. Additiaally, your accotm will rat be dosed until Yea pay ell amounts you owe ua indudng: any trsreectiore You have autFarizad, finance dargea, pest due fees, ovariimit fcea, returned payment fees, cash advance fees and any other tees assessed to yo eccetnt. Vou ere reapatdbe for these amours whether they appear m your eccam at the time yen request to close the account or they ere Incurred abHegtrertt to your request to dose the accent. TNs may resdt in ehargea appearing m year aeeant aner you have your BCCOIaII It It reS already DBaI d09ed. br 8%emde, rf you aurtnrized a purdase from a mercharn and we receive the trsrescum from the mercant after your eceant has been tloaed, your accent will be reopened, the errant of the darye will he added to your secant, and Wyouu will 6e resporeiNe for peymem. If there is a martbership fee for your eceant, the fee vwll cmtYare ro 6a charged, to the extern pannitted by law, until the aceant belartce has barn paid in (dl as deflred above. 7. Uaip Yerr Aoaarrd.Vour card or accrxun tercet ba used In txxaactlon wkh any Marne[ gambling trarnactlam. 8. Norloa Abort DoabaNo Clwok Corwralat. When you proNde a tlleck as payment, you euthaize ce filter to tee infonnavm fran yore check [o make a orte-time doaratic turd trerefer from yorr bank eccoux a ro process the payment as a lack tramctlm. When we use information front Vote tlack ro make an dectratic fund trarefer, ands maybe witldrswn from your berNt accetrn ea soon as the same day vre receive you payment, and you will rpt receive your clack back from your firertdal irtsthulm. BIWNG RIGHTS SUMMARY Ile Casa Of Errors Or Oueatlms Aban your ellp If you iNnk your till la wrartg, er if you reed more Iniormeilm m a trereactim er till, wN to us m a separate sheet as aeon as poadtle at the addmas for 'ngtiries shown m the from of this nnemem. We must hear (ran you re later than 80 days aner we amt yen the first NII m ta4iidt the error a problem appeared. Vou can call our larstaner Rdavae number, but doirtg so will rat preserve your riaro. In your letter, dye to ttte fdbvnrtg mformavon: your tame and secant number, the filler amour of the suspected eror, a deacriptim of tfa anon and an mpl rim, if poadhle, of ~ you believe there is an error; or Ii you reed more infortnet m, a descdptim of the ham you are trtare about. Vau do rat have to pay any amotrtt in queatim while we are Inveatlgning it, but you ere silty obligated to pay the pans of you till that are rat In WesUm. WNIa we inveatigato year question, we caner report you as ddirpuent or eke any scrim to celled the amamt you Weatim. l,t Special Fiala for Cradt Cartl Purchases Ii you lave a praNem with the quality of property or services that you purdased with a credt cam and you lave tried in good faiN to certect the proNem vAth the merchant, you may have the fight rot to pay the remaiNng amornt due m the prapeny or aeMCes. You have Ws proteclm oNy when tM purdtax price was more than 550.00 and the purtlteae was made in your forte state or vh1Nn 100 miles of your mailing eddrero. (I1 we own or operate Ute mercham, or if we mailed you the advenisemem for the pr ny or services, aN purtlases are covered regardess of amotm m loravm of purchase.) Please remember to sign all cerreapoMence. 'j' Does not ePMY !o consumer port-credi! card eccoarus I Does rat apply to ous/nass roe-credit caN eccoanrs a wppons information privacy protectim: see our www.calxtalare.can. c is a federally ropnered service mark of Caphal lal Corporatim. All riytte resarvad. 0 2003 a 01 LGLBAK O ~ ¢nppl O atV in~m Deed remittance a vn~l rtall to ue will ba credhad to Your accotnt as of the business day wa receive it, proNdad 11) you send the bottan ponim of Wa auteman and Your lack ope and (2) your payment Is received In our processirq tatter by 3 p.m. ET (12 noon PT). Please allow at least flue (5) badness days for postal delivery. Payments received by us at any other Imavm or n any other form may rat ba credtetl ore elf the day wa receive Nam. Our btrdnase days era MoMay WottTh Snurday, exdudng Itditlays. Reese do not use sodas, pa(ar dips etc. vAan prepenrtg your payment. When you send ue a dtec (s), you authorize ue to make erne-ume dectrortic transfer debh fran your bank accourt for the amarn of the check TNa atnhorizatim apdres to all checks receved during the billing cyde even if sent by saneare doe. If we carrtot procoae Na transfer, you authorize us to make a charge against your bank secant using the check, a paper drab or other ham. 999 CapitalQ~® Your Credit Future Is In Your Hands what's in your wallet?" Capital One® wants to give you all the help we can in managing your finances. To make the most of your time and money, take the following steps to maintain your good credit. CHECK IT: Review your credit report at least once a year to check for errors or fraudulent activity. FIX IT: Contact the credit bureaus and credit card providers to correct mistakes on your credit report. USE IT: Demonstrate wise use of credit. Make purchases regularly and pay your account on time. WATCH IT: Maintain good credit by keeping your balance under the credit limit and pay your bills on time. CONTROL IT: Moderation is key. Don't max out your credit. 89B-1101 TJx Account Summary PLATINUM VISA ACCOUNT 4934-2224-9066-8657 JUN to - JUL o9, 2006 Page 2 of 2 Previous Balance 51,393.72 Payments, Credits and Adjustments 51,300.00 Transactions 51,148.11 Finance Charges 541.62 New Balance 51,283.45 Minimum Amoum Due 583.45 Payment Due Date August 09, 2006 Total Credit Line 51,200 Total Available Credit E.00 Credit Line for Cash E1,200 Available Credit for Cash 5.00 At yow service To Dill Customer Relations or 1-877-534-6841 to report a lost or Holm mrd: Send payments to: Send iaquiria to: Attn: Remittan« Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, iTr 84130-0285 n 22 26 JUN KNUTE'S PUB AND GRILL SHIPPENSBURG PA 103.71 23 28 JUN OVERLIMIT FEE 29.00 24 09 JUL CASH ADVANCE FEE - -FINANCE CHARGE 25.12 "°"Important Notice"` Your account was past due. Under the terms we previously disclosed to you, if your account is past due again in the next 12 billing cyder, your Annual Percentage Rates (A.P.Rs) may increase. ~~ • PLEASE RETURN PORTION BELOW WITH PAYMENT ~a~"°~'"ie 0000000 0 4934222490668657 09 1283451300000083455 New Balance E1,283.45 Minimum Amount Due E83.45 Payment Due Date August 09, 2006 Total enclosed S Account Number: 4934-22249066-8657 Capital One Bank P.O. Box 790216 St. Louis, MO 63179-0216 lH arrpriRt maJ~xg oddrr, msdWr-maifrh.,ngrr br! xringblw or bark ixk Srreec Apc Y City Smce ZIP Home Phone Altemak Phone O Emsil Address #9019071589949297# MAIL ID NUMBER EMILY E STUM 1329 DOUBLING GAP RD NEWVILLE PA 17241-9758 Pleare unite yore auannt namber on yow rl~eck or money order made payable to Capital One Bank and mail in t/x rnclared rnveJofe. Capital~}~~® what's in your wallet?°" The steps to maintain your good credit are provided by Capital One, In con)undbn with Consumer Action (wvrw.coraumeractlon.org). O toot Capital One Services, Inc Capital One is a federally registered service mark. All rights rczerved. O ~~ N N 2 n O Irrportatt Notioa: Paymarts you mall to ua will De cretlited to your acomnl as of the bu&rees day we receive h, proNded (1) you send the bottom poNOn of Ws rtatomem aM your darck In the endosetl remittance envelope and l2) your paymem is recdvod In our pprocessirq cemer by 3 p.m. ET (12 noon PT). Pleat albw at lean flue (b) bualnass tlsys for portal delivery. Payments recdvetl by tre at any other locason or m any other form may not be cre6ted as of the de wa rocdve them. Our business days are Monday through Saturday, exdudirp hdidays. Please do not use ataplae, paper dips etc. when prepanrp your paymem. When you sand ue a check(s), you audwdze us to make a~ta-nme declronc vanater dabs from your bank aaorart for the amorm of the check TNa aurhodzatian applies to ag checks received dunng the billing cyda even if eam by someone dsa. It we carrot process the transfer, you au[Iadze us to make a charye against your bank acoant uwrq the check, a paper draft or other hem. ~ o2a TXv And don't forget-you earn Its that e ~ rewards on every TJX Visa® purchase! "~' • Earn S% rewards on purchases made at T.J. Maxx, Marshalls, HomeGoods and A.J. Wright and earn additional rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Maxx, Marshalls, HomeGoods or A.J. Wright store location. T~•n1CD~( Marshallsa xvm d A.J Wright 028-tt03 ~riea:r .a ,i,e w,.a,a, r.as,am 1aem, a~a c~aan~oaa ~~ ~~t ,„~~aai orF . ~r ,.w„~~aai a~<iowrr iett.r r , r n aetaa.~ TJX Account Summary Previous Balance 51,283.45 Payments, Credits and .4djusrments 5125.00 Transactions 540.00 Finance Charges 530.91 New Balance 51,229.36 Minimum Amount Due 536.00 Payment Due Date September 09, 2006 Total Credit Line 51,200 Total Available Credit 5.00 Credit Line for Cash 51,200 Available Credit for Cash 5.00 At your service To call Customs Relations or to report a lest or rtolm cud: 1-877-534-6$41 Send paymenu to: Send inquiries to: Attn: Rertuttance Processing Capital One Bank Capital One P.O. Box 790116 P.O. Box 30285 Sc Lows, MO 63179-0216 SLC, UT 84130-0285 PLATINUM VISA ACCOUNT 4934-2224-9066-8657 JUL 10 -AUG 09, 2006 Page 1 of 1 Rewards Summary- this summary reflects transactions oosted durin¢ this billin¢ cycle Previous Rewazds Balance 52.34 TJX Rewazds 07/06-08/07 5.00 Other Rewazds 07/06-08/07 5.00 Rewazds to be Issued 5.00 Balance as of 08/07/06 52.34 Payments, Credits and Adjustments 1 01 AVC PAYMENT RECEIVED -THANK YOU i125.00- Transactions 06 AUG CASH.4DV. &T 1900 RITN CARLISLE PA 540.00 09 AUC CASH ADVANCE FEE - -FINANCE CHARGE S.oo F'manee Charges on Pleate ue reunx ride for important informati Bd ~ Perodu `~ Corr .enaxdrag ~~ o ~ gapliedh rest liJ; PR v PURCHASES f449.38 .06589%D 24.0.5% 59,18 CASH 38]5.64 .06616%D 24.15% 516.73 ANNUAL PERCENTAGE RATE applied this period 29.3296 • PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4934222490668657 09 1229360125000036009 New Balance 51,229.36 Minimum Amount Due 536.00 Payment Due Date September 09, 2006 Tots] enclosed E Account Number: 4934-22249066-8657 P/easrpr;,rt~'agaddrrua~ r-mcilr)amdrrbr! rvirrgb/ or black iRk Street Apr. t City Sate ZIP Home Ptwne Alumau PMne 0 EmailAddr-u ~ #9022271589949298# MAIL ID NUMBER Capital One Bank ~ EMILY E STUM P.O. Hox 790216 ~us~~n~i~i~t~m~,~~ o ~ 1329 DOUBLING GAP RD St. Louis, MO 63179-0216 m ~ NEWVILLE PA 17241-9758 ~t~~uu~~nn~~~m~~~~u~~uns~t~nt~~t~~uui~~t~~u~u~i~ ° ~ ~ut~~~us~u~i~t~n~ut~~~i~u~ut~t~t~t~n~m~t~~t~ut~i~i~ Pleare write your account numbo an your check m rnonry order madepayable to Capital One Bonk and mail in the rnrlared rnvelope. r ~_ O O 1 O~ o a tv Nlling pedod covered hY tNs natement, we take the begiraung balance of each segmem each day, add any row vensactiore 10 sets segment, and atetran any paymenn or credta. llf the code N appears an the from of this natemem nets to 'B91ance Pate Applied To .' we also st6tram any tapaid finance Marge Itltluded n the balance of eats segment.) TNs puss to the daily balance of each segnent. Then we add up all the dollyy balances for each segnent for the dGing ppeedod and dvide by the teal raanber of days h the Nlling pedad. TNs gives us the verege daily balance of each segnent. 3. AttrtW Prorrhya RaW IAPRI. a. The tetra 'Annual Pemenlege Rate' may appear as 'APR' m the from of this statement. b. If the code P (Pdme), L (3-mo. LIBOR), C (Certificate of Deposit), or S IBenkcard Pdme) appears on the from of ttas natemem nets to the pedodc rate(s), the pedodc retea and cerrespondng ANNUAL PERCENTAG RATES may very ouenedy and may increase or decrease based an the eared trdcea, as tared in Tha Well Street Journal, plus the margin DDreviotasly dadoaed to you. These dtengea vAR be eNactlva an the flat day of your Nllirq pedod coveted by Your pedodic slatemem eMrq In the mantle Jatxery, Apol, JJY red October. c. It the code D (Pdme), F (1-mo. LIBOR) or G 13-mo. UBOR Repdced MamNy) appear m the from of you natemem reM to the pedodc rate(s), the pedodc rates and cerrespex-rp ANNUAL PFACENTAGE ROTES may very montHy and may increase or decrease based m the stated indcea, as toured in The Well Street Journal, pus the margin previotsly dadoaed to you. These Merges will be effective on the first day of your billing period eats month. 4. Asuarnra of late, Ovarfnit old Rtaursd Payrrtrtt Few. Vaur accent will be asaeased ro more then two of the tees listed here that occur dadrp any Nlling pedod. Under the terms of your cunaner egreemam, we reserve the dgM to waive or rot to sasses any foes withoutp ratiflcatlon to yW vlthout waiNtp OUr tight 10 esaess Ihe~ Brame or similar fees et a later time. 6.'fRrrawip Yotr Aaeaut. If a mambersNp fee appears on the front of tNs natement, you have 30 days from the date tNs natement wee mailed to you to avoid paylrp the fee err to have such fee credted to you ii you cancel your aceount. During the period, you may continue to use your actatnt without haNrp to Day the membership fee. To csncd your aceant, you must notify us by callirp our Cunomer Relations Dapartmem and pay yyour'New Belence' in full lexdudrq tfa membershp tee) pdor to the end of tfa lNrty-0ay pedod. e. I} You qsu Yar Aaaraad. Vou can retpan to dose yyour eccoum by calling our Qrstomer Relailans Depanmenl. you moat destroy your credt card(s) and aceeunt access decks, cancel all preatnhodzed filling, and cease uaittQ your accent. If you do rot cancel preattthodzad filling arrangements, we will confider receipt of a charge your etahodzation to reoppen ou aceotm. Additionally, your accent will not be closed until you pay ell amounts you owe ua irldudirp: any traneactieua you have autfadzed, finance Merges, pan due lase, ovedimit tees, creamed payment fees, cash advance teen and any other fees aaseased to your acclwm. Vou are respanside for Nose emauna wfatfar they appear an your accent at the time you request to clone the accent or they ere Incurred aubaequem to your request to dose the accent. TNa may readt in charges appeedng an youi accent ehar you have your aceant if it has already been tlosed. For exampe, if you auttadzed a purchase from a merMent end we receive the treroectlon from the merMam after your accent has been tlosad, your aceent will be reopened, the amoua of the dmrge will ba added to your ectalra, aM you II be responaNe for paymlaa. If there is a membership fee for your atxaaa, the fee will faniktlle to be tlerged, to the eMera pemtittad by law, tndl tfa accent b~llance hen beet paid in fill u deflrad above. 7. Uaag you Aoawrl.Vwr card or accent cerrta be used ks oorctectbn with any intertat gamding tmttaembre. 8. kbtioa About Elaaovrio Gaaok Carsvraion. When you provide a dteck as payment, you audadxe ce tither [o tse infortnatian from yar check to make acne-tlma dectrortic fund trarefer fran yots bank accent or to process tits peymem as a tied[ trenaectlan. When wa lea infOmlalion from your deck io make an electraric turd trerefer, ftndt may ba withdrawn ftan yntrc bank aGMlalt a8 80e1 a9 [fle 9aR10 day we fBCalye your y~retrrfinenriel fro radon. receive your dteck back fren BIWNG RIGHTS SUMMARY 11n Gale Of Enors Or Oueatlee About Vour Bilq If you tNnk ywr NII is wrong, or It you need more informatlon an a vartsectim or till, wdta to ua m a aeparete sheet as aeon as posside at the address fe nglides slave on the from of Wa statement. Wa rater hear tram you ro later than 80 dap after wa aem you the fiat hill on witch the error or problem appeared. Vau can all au Cunomar Rdetlere number, bu ddrp so will not preserve your dghta. In yaw letter, give to the fdlovarp infonnatlon: your roans and eceoua number, the ddler amount of the suspaMed error, a descdpian of dsa error and an e>rplanatian, if posade, of vny you bdieva there is en error; err Ii you need more Iniormeaan, a tleacdptlan of the hem yw are [news about. Vau do rat have to pay any amotnt in question wMle we are invevtigatlng it, but you are Hill obligated to pay tM pane of your NII that era not In question. WNIe we Inveatigeta your quesdm, we carrot report you as delitttltrertt or take any anion l0 cdlect the amount you question. I,i' Spedal Rtie For Credt Cartl Pwchasea It ya, have a pradem with the quality o1 property or services that you purtlused with a credt cam and you have tded In good fehh to correCl the probem with the merdtant, you may have the dgM not to pay tits remaiNrp amount due on the pr rty or aeMcea. You lave INs protectlon oNy when the purMex pdce wee more than 860.00 and the Wrdtaae was made in Your home state or within 100 miles of your mailing addresv. (It we aura or operate the mercham, or if we mailed you the adverdaemem for the property or aeMces, all purduaea are covered regardesa of amount or location of Wrchese.) Please remember to sign all cerreapondence. t Does not epfsN to consumer non-cradd card accounts i Does rot appty to business ran-uedit card accounts One atpporta information pdvacy protection: sea our at www.captalore.com. Ora is a tetlemgy repp'~~r~d service mark of Capital andal Coryomdan. All nghta reserved. 0 2003 One 01LGLBAK t a. Qaaa Pried. Vou will have s mirimlm grace pedod of 25 Boys withert firettce tlatge on new purchases, new balance trerefere, new specal purMOaes and row Other Herpes if you pay your total 'New Balance', in ers;wdattce with llte Important Notice for poymems blow, b in tkne for k to be credtad by your reM nnement dOSilp date. There i9 ro grace pedod m Cash advarom and s(adal trensfere. In adtGtkn, dtare 19 ro grace perod m any trenaactlm if yw do rot pay dte total -New balenoe.' b. Aaruiy Firtasaa Charya. Treteacliare wTYM are not subjen to a grace period am assessed flretxa datge 1) from the date of the trerssactlon or 21 from the date the tranvaction is processed to yar Accent or 31 from the first celetder day of the wrrtan hiGitq pedod. Additiorelly, if you did na paV the 'New Balance' from the Oreviae dllirq pedod in fill, finance dargea tantlae to eccnze to you uysaid balance tndl the Iapeid balance is paid in full. This meare that you ma sdG owe Wtance dergea, even if you pay the entire New Balance indicated on the from of your statement by the reM natlMtam dosirp date, but did rot do so for the prevfee march. Urpald flrertce Merges em added m the eppGceMe aegnertt of your Arrant. t c. Miinvn FGtanaa Chrge. For each Nllirp pedod that your eraaust is atb)ect to a M1trsce dserge, a mirtkrtun rotel RNANCE t7-IARGE of 80.60 will be imposed. If the total flretax dutge resindnp ftom [he intlon of you pedafic rate(s) is less titan 30.50, we will atbtract tlutr arrant free the 80.50 mirlmun and the dffetence wiG ba billed ro the purdtasa aagnera of yet accaaa. t d. Tanprary Rarlualion it Fiwnaa Orrga We reserve the 'art to tta aasesa any or all firetae Maryes for any given Nlling pedod 2. Avrage Daly Bahrtoa Ilnolud'np Naw Putatasasl• a. Finance Marge i9 celalaed by mUtiplVing the daily balance of eats segnem of your eccartt fe.g., rash edvartce, purrriese, apedal treroter, and spatial purdlese) by Ua cotteaportdng tlefiy pedodc rate(s) that has been previously dsdosed to you. At the and of eats day dudrq the anitp peded, we apps tla may pedodc rate rot eats segment of your ecrbtnt ro the dally bdatae of eats segnent. Then et the std of the NGtrp pedod, we add Ip der reaps of base daily ralWadore to amve n r pedodc finance Marge for eats segnent. We add Ip the results from eats sepnent to amve e[ the total pedodc firerae Marge for your accent. To get the daily balance (or eats sepnent of your accent, we take tM begirrng balance for eats sagnent end add any new trerescdare end any ppeeriodc firerae tltarge ralafeted on [ha previous Jaya balarra for that aegntent. we titan ataaran any peymettts or credts posted n of tint day that are alltaated to that segment. This gives ua rho seperere daily bdance for eats sepnent of your actwlt. However, if you paid the New Belattce shown m yea preNae natement ks fill (or if your new belattce was zero or a credt amanq, new tramactiare whits Pon to your putdtaae or special purchase aegmtsm are rot added to the daily bdera»s. We celala[e the average daily bolarae bV addrp all the deify belarsces together and dNdrp the sun by the naMer of the days in the current Nlgng cycle. To calalate your teal firettce dtetge, tta/tipY Your average deny balance by tta dailype dodc rote and by the raanbar of days N the NIGrp pedatl. Ue to rending m a daily basis, there may be a sggM vedance between ties celelatlm and tie arrant of flrertce Me reumaay assessed. b. If the code Z o N appeats on the irmt of Ws netcment reM w •Balatxx Reto Apples ro,• wa m~tlpy the Irrportad Notion: Paymema you mail to us will ba crested to your secant as of the business day vre racelvr3 h, proNded (1) you Bond tta bottom portion Of tNa natement and your deck in the encloaetl remituttce envelope antl (2) your Paymem is racdved In our processirp tamer by 3 p.m. ET (12 noes PT). Reaea allow at leant 11ve (5) bualness days for postal delivery. Payments received by us at any other locatlon or to any other form may rat be crested as of Ne day vre receive them. Our business days are Morday through Saturday, eM:ludrp holidays. Please do rat use napes, paper dips etc. vdarl prepadnq your paymem. When you send us a Mock(s), you authorize ce to make sane-ume elactroric tranater debit from your bank accotnl for the amour of the Meck TNs authodzatim apples to all Mocks recaved dump the billirq cycle evert ii sent by saneane else. If wa carrot process the tranater, you au[hodza us to make a Marge against your bank aceaun uairp the Meck a paper draft or other item. ~~ o2e TJx ::~. And don't forget-you earn rewards on every TJX Visa® purchase! Its that easy. • Earn 5% rewards on purchases made at T.J. MaaQC, Marshalls, HomeGoods and A.J. Wright and earn additional rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Marc, Marshalls, HomeGoods or A.J. Wright store location. 'FJ•fT1CD~( Marshalls. A.,T.Wright 028-1703 'Pleue sm rirc RrwaMs Rognm T rms and Condirions in,our nnginsl offer nr :aldirianal diecloune Inver for Tull denila. ~•°~ TJX Account Surnmarv PLATINUM VISA ACCOUNT 4934-2224-9066-5657 AUG 10 - SEP 09, 2006 Page 1 of 1 Previous Balance 51,229.36 Payments, Credits and Adjusunents 580.00 Trattsaccions 578.00 Finance Chages T26.99 New Balance 51,254.35 Mit$mum Amovnt Due 554.35 Payment Due Date October 09, 2006 Total Credit Line 51,200 Total Available Credit 5.00 Credit Line for Cash 51,200 Available Credit for Cash 5.00 At your service To pill Customer Relations or to report a lost or stolen nrd: 1-877-534-6841 Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 70884 P.O. Box 30285 Chulorte, NC 28272-0884 SLC, UT 84130-0285 Rewards Summary- this summary reflects transactions posted during this billing cycle Previous Rewards Balance 52.34 TJX Rewazds 09/08-09/07 5.00 Other Rewazds OS/08-09/07 5.49 Rewazds to be Issued 5.00 Balance as of 09/07/06 52.83 Payments, Credits and Adjustments 1 09 SEP Cap 1 ElectronicPhonePmt AuthDate 09-SEP 550.00- 2 09 SEP Cap 1 ElectronicPhonePmt AuthDate 09-SEP 30.00- Transactions 3 OS AUG SAYLOR'S MARKET NEWVILLE PA 549.00 4 10 AUG OVERLIMIT FEE 29.00 NOTICE: Look for a new statement design for your Capital One credit card beginning next month. A summary of the key changes will be provided with your new statement. F'u7atlce Charges Plerue tee revw.re ride for imfortant information F Ba! ratr Pa;odir C <spondvrg ~f,~~ ~ .~pliedea rate ~f N1( v PURCHASES (486.55 .06589%D 24.05% t9.94 CASH 1831.26 .06616%D 24.75% 517.05 ANNUAL PERCENTAGE RATE applied this period 24.11tYo • PLEASE RETURN PORTION BELOW W[TH PAYMENT ~~~ 0000000 0 4934222490668657 09 1254350030000054358 P/rarrprint ma./'ng ddrsr~ r-mailrAnxgrs b<! urrxgblworb/aoE ink New Balance 51,254.35 Minimum Amount Due 554.35 Saar Apc r Payment Due Date October 09, 2006 City Srare ZIP Totalendosed S ~-~ Home Phone Al[<mattPhone A«ount Number: 49342224-9066-5657 _ _ ~ #9025371589949293# MAIL ID NUMBER Capital One Bank ~ EMILY E STUM I- P.O. Box 70884 ~I~s~ut~t~~n~ut~t~~ •+ ~ 1329 DOUBLING GAP RD 1 Charlotte, NC 28272-0884 1D ~ NEWVILLE PA 17241-9758 ~u~t~~u~utlllltu~ts~t~~~ut~u~l~n~n~u~~u~lt~u~~ns~~ ° ~ ~w~~~w~tt~tIlltl~nt~~~t~n~tu~t~t~t~n~nt~l~~t~nt~t~t~ Pleare write your account numbs on your check m money order made Payable to CafitaJ One Bank and mail in the enrlaed emrelope. 7i O N ~~ o aN ppeedodc rate. To obtain the average daily balance for the hillirq pedod covered by thin netement, we take the begnnng balerae of each segmem eeM day, add any new ttanxctions to eaM aevnent, erN subtract anY paymema or credta. (If the cede N appears on the iron of hihis ataterram next to 'Balance Rate Applied To,' the also s[btren any trpeid finerae charge irduded in tfa balance of each sepneMJ Thia gives ua the deny halarae of each xgnent. Then we add [y all the dallyy balartcea for each sepnan far the Nllirlg pedod and dNde by the total raanber of tlaya in the filling pedod. TNs gives us the aver~ggaa daily balance of eaM segment. 3. Mad Paraottapa Rataa IAPRI. a. The taint 'Annual Percenta(p Rate' may appear as 'APR' on the from of Wa natement. b. If the code P IPdme), L (3-mo. LIBOR), C (Cettificete of Deposh), or S (Bmkcerd Pdme) appears an the from of this natanent next to the pedodic ratelsl, the peaodc rates and certespondng ANNUAL PERCENTAGE RATES may vary quenedy and may iroreex or dxreax based an the stated indcea, as faald in The Web Street Journal, plus the margin ppreviarsly datloxd to you. Tfax filenges wig be effecUVe on Ule Bret day of your dlllrg pedod covered by Your Pedotllc statement endng In the months January, Apol, JWy and October. c. Ii the code D IPdme), F 11-me. LIBOR) or G 13-mo. LIBOR Repdoed MomNy) eppeare an the from of Your natemem rett to the pedadc rate(s), tfle pedodc rata end cerreapondirp ANNUAL PERCENTAGE RATES may vary momHy aM may iroreax or decrease based on the stated indcea, as fond in The We!/ Street Journal, plus the margin previaudy dsdoxd to you. Tfax changes wfll be effective on the first deY of your Nllirq padod eeM month. 4. Aasaartrtt M Late, Ovarimi and Ra0anod Paryrtsarit Face. Your aCCOUM will be assessed ro more than two of the fees listed here [hat occur dudng any Nllirq pedod. under [he terms of your cunomer agrcement, we reserve the fight to slue or rot to assess any fees wltnan p tar rotificatlon to you witfaut walNng our fight to assess the same or similar 1 1 e later time. 6.tR~rawtq Yar Aooaat. If a membership fee appear an the from of tNa autemem, you have 30 days from the date 1Ns natement was mailed to you to avoid payirq the fee or to have suM tea credted to you if you caned your secant. Dudrq We pedod, you may Cor111[Ma 10 Ux your a0001rn WI[IIOUf havirq ID pay the membership tee. To cancel your aceoun, you must notify us by callirq our Cunomer Relniona Department aM pay your'New Balance' in hAl (excludng the membereNP tee) Pdor to the end of the W ny-day padod. 6. If you puss you Aoaourt. Yau ten repast to dux yy r acceunt by calling our Cunaner Relations Department. You mart destroy your credit card(s) end t access checks, caned all prcauthodzed Nlling, aM ceex usirlp ye,r acceunt. I/ you do rot caned preeinfadzed bllirq arrange ante, vre will careider rxdpt of a charge your etnhodzetion to r opp your account. Additionally, your accent will rat be dosed until you pay all amounts you owe ue including: any tranxcUare yea have authodzed, finance charges, Pan due fees, ovedimit fxa, rmumetl paymem tees, cash advance fees era any other tees asxased to your account. You are reaponaide for mesa amtxms wtather they appear m your accotrn n the ilme you requen to clox the accent or they ere Incurred subsequent to your request [o done the secant TNa may result in charges appeadng on your account ariar you have , your eceaatt if it has already been dosed. for example, if you atrdadzed a purdtax from a merdlem and we recdve the trenaattim from the merdlam after your arment hea beat tlosed, your secant win ce reopened, the amotra of the dlerge wgl he added to your axon[, mnd yywou 'll be reapareiNe for peyman. If there is e rxnharahiP fee for ywr arrant, Ufa foe will corltirara ro be tlarged, to the ax[am pamtitted by law, aril the eceen[ balerae hoe been paid In full as denrad above. 7. Uairg Yer Aaaaua.Vou card or account carrot be lass In cerlecdon wnn any nterre[ gamNing [rarvsactiorn. 8. Noaba AbaR F]aoaroNo Clsaak Carrvraisrr. What you prevkk a dock as payment, you autfaUZe re d[her to age infiomadon fran you dock to make a oro-time dectroric fuel trarefer fran yar baN[ eceent a to process the peyncertt ae a dock treraection. When wre ree inmrmaUm from yar tllxk to make al electronic fuW trerefer, fields may be withdrewn from your bank eceealt ae soon es the same day we receive r paytnent, and you will rot receive your tlack beck from your faarldal ireututim. BILLING RIGHTS SUMMARY Iln Cox Of Errors Or Ouenials About Your &ID If you tHnk yea fill Is wrarq, or it you deed more InfortnaUon on a trareactim or NII, wdte to us m a separate sheet es anon as poaaide at the addrcsa fa irgiidea shown on the front of Wa autement. We must hear iron you ro letar than 80 deya after we son you the fiat bill an wtich tfa error or preblam appeared. you can call our Cunomer Rdadam number, but deirq x vAll not prexrve your fights. M your letter, give re the ftllowirq information: your name aM accent number, the dtllar arrant of the auapxted eror, a deecaptien of ilia error and an etgflanatidl, if posdde, of wfiyy you believe there la an error; or Ii y+ou Aced more infortnatlon, a dexdption of the rein ya, are ulaire stout. ve, do rat nova ro Pav my amour in quenian wNle we are Imeatigatlrg it, but you re still adigatad to pay iM parts of your NII that are rat In grealion. VJNie we Inveatigeto your quesnon, we carrot report Va as dNirlµralt or take any anion to celiac[ the amotm you WeaUan. I,t Special Rt1e for Cradt Cartl Purcflattea I1 Va have a problem with the quality of propetty or xrvicea that you purdased vdth a creel[ card and you have tiled in good faith to torten tfa praNem with Ua merchant, you may have tfa fight not io pay tlx: remaiNng amount due on da pr ny or xMCes. You have Wa protection only wfren the purcMx prke was more than 350.00 end the purMax was made in your home Hate or within 100 miles of your mailirq address. (If vve own or aperete the merchant, or if vw mailed you the advertisement for the pr tty or xrvicea, all Wrdases arc covered regardeas of amoutt or lora4on of purchax.) Reaae remember to sigl all correspanderoe. t Does not apply !o consuzzar non-credk card acrouMs 2 Does rot apply io business ran~edi! card accounts One atQporta inlormaUan pdvacy protection: see our 8l WMAN.Cap1810r1e.Cerli. Oro is a federally rep'stared xrvica mark of Caphal andel Corporadan. All nghta reserved. 0 2003 Ore 01LGLBAK 'r a. Graaa Parkd. Vou wUl have a mirrmun grace pedod of 25 deYS wittau finance dlerge m new pumlases, new balance trerefere, rew spedel Wrtlases end new other tllarges if you peY Vour total 'New Balance', in accordance with the Importam Notice (or peymaas below, and kt time roc it to be credted by your rea statement tlodng date. Them is ro grace pedod on cash adveraes and spetlal trererore. In ad6tbn, there is ro grece period m any trareacUm if you do rot pay the torel -New balance.' b. Aoarig Fklsaa Charge. 7rereactlore w1tlM are ret subject ro a grace pedod am easessed flrerae charge i) from the date of the [rereadion or 21 frarn the date the trereaction is Drecexed to your Aceent or 3) from the first colander day of the azrrertt bglirtp pedod AddU~IIY, if you del rot pay the 'New Bderae from p billing pedod in fUl, finance charges continue to accrue to your upaid Ddarae trttil the ulpaid balance Is paid in full. TNs meare that you maYY stiY owe tklerlce Merges, even if yW pay da entire NeW Bel811C8 kraceted M file fralt Of your natemont by tla next s[s[ement dosing dale, but del not do so roc the preview mantA. Urpeld flrence Merges are added ro the a cede segnrax of yatu A[x:arn. t' c. Miiriam FYlanoa a. For eaM Nlling pedod that your etxant is abject to a M1laae Marge, a mlNmum total RNANCE CIVaRGE of 50.60 will be Imposed. If tfa rotel flrerce charge resWUrq horn [fie ksUon of your pedafc rme(sl is less than 30.50, we I aWtrect that amain fnm Ule 90.50 mklimun acct the dfference will be filled to the purdlesa xgnern of your accent. td. Tanparary Rakrditn in Fnrraa gwga. We reserve the d¢tt to not assess any or all firerae Merges for any given Nllirq pedod 2. Avaaga Dairy Balsas Ifrwkrdata Now Rrdaaaal. a. France Marge is celasated y mitfiplNrq Ua daily balance of eaM xgnem of your aceotar (e.g., teen advance, pumlase, special [rarefer, and spedal purdax) by the certesporMng daily peUodc rate(s) that free beef prevkad y dadosed to you. At the erd of eaM dayy dudrg tta Nllirq pedad, we apply the daffy pedodc rero fo eedl aepntrn of your accent [o tfle dilly bdarae of eeM aepnem. Than at tfa end of file Ntling period, the add W the resilta of [hex daily celalaUore to emus a[ you pedodc firerae dtarge for eaM ae0nerx. Wa adrl tp the f09U1[9 iron BeM 80artalt SO 8nIV6 81 its [Tirol pedOdC fireraa Marge for your eccelalt. To gat tfa daily balarae for eaM segnem of your eccetal[, wa take Ufa baginrirlg belarae for eaM segmtm and add any rew trermc[iare acid any pedodc firerae dlerga caWSned m the previous day's balarae /or the[ aegnan. We then subtract any peymerns or traits posted as of that day that am alkra[ed to that segment TNa givoa re the seperste daily balance for eaM segneru of your acceuu. However, if you peidothe Now Belarare sllomt an ya+r preNole sutemen[ in fW If your raw balarae was zero or a creel[ amend, rew vansectiats wNM post to your pumJase or apedd purtllax segmaro em not added to the daily beleraea. We calculate Ua aveage doily belorae by eddng ell the daily balarxxa togeUar and dvidrg Ua sun by the climber of Ua days in the alrrem Nnkq cycle. To celelate you rotor firerae Merge, mJtiWy Your avarega daiY balance by the daily pedock rate and by the rsanber of days in tfa Nlling pedod. Due ro raaldng on a daily beds, [fare may be a elight vederae between Ws celaaaUm and Ua amen[ of flrarlce [barge acnreny assessed. b. If tfa code Z o N appears m tfa irmt of Ws autemem nett to ' Bdarae Rate Appied To; we mistidv Ule InportaU Nolioa: Paymema you mall to ua will be aedhed to your aaroun ae of the bueirleee day vre racdvo h, proNded (1) you send the bottom portion of Wa statement and your deck in the erolosetl remittance envelope and 12) your payment is rxdved kt our p ocesakq caner by 3 p.m. ET 112 noon PT). Reax allow at least 9ve l6) business days for postal degverryy Payments recelved by ua at any other locavon or in any other fom may rat be credited ae of U1e de we rxdve them. Our btarireas days are Monday threta~ Satwday, exdudng hdida~ys. Please do not use staples, paper dips etc. when preparing your pa em. When yet, send ua a check(s), you audadza ro to make sore-time alectraric trarmfer debn tram your bank accotrlt fa the amour of the chxk This atrthodzaUan appllae to all Macke received dunrq the billing cycle even if sent by acmeane ilea. If we arcs[ prooeas the transfer, you authodza ua to make a Margo ageirlst your bank aaam using the Mack a paper drari or other hem. J - 028 T X And don't forget you earn It's that e ! rewards on every TJX Visa® purchase! `~ • Earn 5% rewards on purchases made at T.J. Maxx, Marshalls, HomeGoods and A.J. Wright and earn additional rewards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J, Maxx, Marshalls, HomeGoods or A.J. Wright store location. T~•fY1C~( Marshalls. ~~ A.,T.wright 028-1103 •nrase a:. die xe..am: r,os..~„ ~r mr, aaa c~adn~a~s ;~,qa~ o.;yr,ar ore , ~„ a<~d;ra~asi n;.riosarr ia,~, r , ran aera;t~. ~~~, TJx Account Summary Previous Balance 51,254.35 Payments, Credits and Adjustments E89.00 Transactions E10.00 Finance Chagas E24.49 New Balance E1,199.84 Minimum Amount Due 536.00 Payment Due Date November 09, 2006 Total Credit Line 51,200 Total Available Credit E.16 Credit Line for Cash E1,200 Available Credit for Cash 5.16 PLATINUM VISA ACCOUNT 4934-2224-9066-8657 SEP 10 - OCT 09, 2006 Page 1 of 1 Rewards Summary- this summary reflects transactions posted during this billitlQ cycle Previous Rewazds Balance E2.83 TJX Rewazds 09/08-10/06 E.00 Other Rewazds 09/08-10/06 5.00 Rewazds to be Issued E.00 Balance as of 10/06/06 E2.83 Payments, Credits and Adjustments 1 09 SEP OVERLIMIT FEE CREDIT E29.04- 2 09 OCT Cap 1 ElectronicPhonePmt AvthDate 09-OCT 60.00- Transactions 3 09 OCT PAY-BY-PHONE FEE At yotlr service To rsll CY~stomer Relation: or to report a lost or stolen surd Please note that our new Customer Relations hours of operation on normal business days aze 6:30 1-877-534-6841 a.m. until 2:00 am. eastern time. Srnd payments to: Send inquiries to: Attn: Remittan« Processing Capiul One Bank Capital One P.O. Box 70884 P.O. Sax 30285 Chulotty NC 28272-0884 SLC, UT 84130-0285 E10.00 Finance Charges Plerue Jae reanre ride for imfortant information t- Bafarur rm'r Pniodu C spondmg ~f,~I~ r«,, .PplirdM rote PR H1C M PURCHASES 3422.33 .06589%D 24.05% f8.35 CASH 3813.16 .06616%D 24.15% 316.14 ANNUAL PERCENTAGE RATE applied this period 24.1290 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~ ~ mar"'° "~ 0668657 09 1199840060000036003 ~ 0000000 0 493422249 Ptrasrp~iatmailingaddrrrra~ r+nailrAm,gerdr! wiadblworblarkirsk New Balance E1,199.84 Minimum Amount Due E36.00 Street Apc M Payment Due Date November 09, 2006 City Sure ZIP Total enclosed S Home Phone Altermr<Phone Account Number: 493422249066-8657 EmailMdresa ~ #9028371589949290# MAZL ID NUMBER ~~~111 1 Capital One Sank ~ EMILY E STUM 1 P.O. Box 70884 ~tu~~n~~nn~~n~~t~ ~ ~ 1329 DOUBLING GAP RD Charlotte, NC 28 272-0884 ~ ~ NEWVILLE PA 17241-9758 ~u~t~~n~m~t~~w~u~t~~~u t~n~t~n~n~u~~u~n~u~~ut~~ ° ~ ~ru~~~w~u~t~r~n~tn~~~t~u~nt~t~t~t~u~nt~t~~r~ut~s~t~ Pleare wife your account number on your check or money order made Payable fo Captal One Bank and mail in the encl ed envelope. o ; O .- m~ ~~ m o mN Nllirp penal covered by this statement, we take the be¢nnrq balance of esdt segmem each day. add arty new lrareactials to each sepnmt, arid subtract any payments or credta. Ili the Dods N eppsre m the tram o this statement next to'Balartce Rete Applied To,' we also attract any tapaid flnanoe charge iMWed in the balance of each se em.l TNs ¢vea ua the daily balance of each segment. Then, we add W ell the daily balances for each xgnmt for tfa billirg pedal and dwde by the taal rxanher of days h the billing period. TNa ¢ves us the wereggee daily balance of eadl segment. 3. Amd Praertage Rats IAPRL a. The term 'Amual Percmage Rate' may appear as 'APR' m the front of this satement. b. If the code P IPdme), L (3-mo. LIBORI, C (Cerdficme of Deposit), or S (Bankcard Prime) appears m the from of retea and sneapondrtg ANNUAL PERCEMAGE RATES may vary gsnedy and may increax or lactase based m the stated indcea, as found in The wen sneer Joumel, qw the mar¢n ppreviatdly diatloaed to you. Tfteae derngea w1fi be effectlve m ila flm day Of yaw Nlllrg period coveretl by your padodc satement erring in the manre January, April, July nd October. c. Ii the code D (Prime), F (1-mo. LIBOR) or O 13-mo. UBOR Repdoad ManNy) appears on the tram of yea aatemem next to the periods rate(s), the padoek rates end ~or~espondrp ANNUAL PQ(CENTAGE RATES may vary mon7Ny end may Increase or decreex based on the stated indces, as Taunt in The Wel/ Sfieet Joumel, due the mar¢n preNottaly dxloeed to yen. Thex darlgea will be effectlve m the flm tlaV of your billing period eedl mmth. 4. Aaawrnant M Late, Overfirrk and Rellarred Paynrvt Fesa. Your eccoum will be eaaessad re more dart two of the tees listed here that xcur during enY Nlling period. Under the terms of your ctataner agreement, wa rexrve the dgM to waive or not to assess any foes witttou[ pdo~ rotiflcmlm to you whlloat weiNrlg our right to assess the same or similar fees at a later time. 5.tRerlewYp Vat Aooarat. If a membarsNp tae appears m the front of this aetemam, you have 30 days from the date tNa aatemant was mailed to you to evdd paying the tea or to have such fce created to you if you caned your secant. During this period, you may cmtinue to ux your account without lawrq to pay the membership tee. To snctl your eceotnt, yea must notify us by calling our Customer Relations Department and pay your'New Balance' in iWl lexdudirlg the mem6ereNp is) prior to the eM of the thirty-0ay padod. B. Ii You Cbse Vat Aaoanl. Vm can request to lox yy r asmnt by slling our Cunaner Relations Department. Vou must destroy your credit cerd(al and accorrtt access lacks, cancel all preauthodzed Nlling, and cease rmirtg your account. If you do not cancel preauttarized Nllinq anangements, we will consider receipt of a darpe Your au[tarizeilm to reopen your account. Addiilorelly, your eceoum until not be closed until you pay all amounts you owe us including: any trareadiore yw have eutgdzed, finance charges, past due fees, overiimit fees, rewmed payment fees, ash advance tees end any other fats assessed to your accoutt. Vau ere rasponeible for rheas amanta whether they appear m ymr account et the time yen request to close tta accoum or they ere incurred subsequent to y or eaa~t to dose the as ~t afterm W hart In c g ppea ng on your a y - yarr arxmtrtt if it has already been dosed. Fa example, f you authorized a purchase fran a merdlarn and we receive the [rereactim (ran the mertdam after your secant fag been tlo9ed, your atxant will be reoPaled, the amotrn of the large will be added to your secant, and you will be rospor aiNO for peymem. If there ie a membership fee for your eccant, the fee will snths m ba dla , to the ex[art Permitted by law, tntil rile secant be arts beer hem pad in NI as deflrletl above. 7. ()sate Vorr Aooart.Vaur card or accraan eartrla be used In carlxrim wiM any Merrlet gamNirg trareac[bre. 8. Notice Abort F]eobaNo t]aaok Carlvarsiorl. When you proNtle a cMCk as peymem, you authorize w eitfar [o use informatlm from you dteck to make a ato-time dectroric fund trerofar fran you bank atxxaux or ro prm~s the peymem ea a dlxk trareactim. When we use infonnetim from your dlxk to make an drlctraYc ftad trerlafer, ftalds may ba withdrawn fran your beNt 80001alt 88 90x1 89 lira 88mB day WB feealve your payrrem, and yw will not raceiva your deck back from your frarldal iretitutim. BIWNO RIGHTS SUMMARY (In Case Oi Errors Or Questiata Abort Vmr Bilp If yen tNnk yoru bill la wrong, or it you need mom Infomtadm m a « areactim or NII, write to us m s separate street as soon as pasaiNe at the address for irlq[ides shown m the frmt of this aretemmt. We must hear fran you ro later than ff0 derys after voe arm you the fim NII m which the error or problem apparel. Yeu ten cell our Customer Rtlatiaq number, but doirq x will rat preserve your rights. b your letter, give to the ftllowirlg infomladm: your name and accent amber, the ddlar ematm of the suspected error, a dexdptim of ilte ertor and en e>pl fim, if pasaiNe, of why Vou believe there is an error; or it you deed more Iniomtat m, a dexdptim of the hem you are aaure aban. Vou der rwt have to pay any amomt in questim wNle wte are inwaugating It, but you are adll abllgared to pay the pens of your NII Net are not In quostim. WNIe we investigeto your questim, we smut report you ea delinquent art ke any scrim to sliest the emomt you queaim. t,t Special FNa For Crrtdi Card Purchasee h you have a proNem wiN the quality of property or seMces that you purchased wiilt a credt std era you lave tried In gad faith to correct the problem with ills mertllant, you may have tier d¢rt rat to pay the remaiNng amount due m the property or seMcea. Vou have tNs protxtim only when the purduae Drier weer more than 960.00 and the purdas was made in your tame State or within 100 miles of your mailing address. (If vie own or aperne the merchant, or if we mailed you the adveniaement for the pr try or aeMep, erg purlaxa are covered regardese of emeum or lostim of Wrchax.) Pease remember to afgn ell cerreapadence. t Does nor apply ro mnsumu ran-credN card eccourNs S Does not eppty to bus/noss rwn-cred7 cord acawnis Capital One atyporta informadm privacy proteclim: sea our w+abata at www.capptalone.com. Captal Ore is a fedamlly ragiaered service mark of Capital Ore Hrertdal Corporatim. All nghts reserved. 0 2003 Capital One O7 LGLBAK 1. How To Avoid A Filanoa Charge. t a. trine Period. Vou will have a miNmtm grace period of 25 mys witflout firerxx charge m new purdases, new bolortce trerefers, raw spedal purtllexs DM new other rriarges if you pay your total 'New Balance", in a0mrdafCe Wllh tiler Importarn Nofiae 1Dr payments bdOW, and in time for h to be created bV Your next statement dosing date. There is ro grace period m cosh adverlss and spedel trerlsfere. to addrion, tilere 19 ro grace period any trere rim If you do rot pay the total 'New balnrtce b. Aoauitg Ftlrwe Chrge. Trarlsactlats which are not xatJect to a grass perod ere eases9ad flrlarll:¢ charge 1) fran rile date of the trenaactim or 2) from [M date the traaactim is Droceaxd to you Accent or 3) from the first slender day of the atrrern Nling pedol. Addtiaally, it you rid rot pay the 'Now Balancer' from the previan Nllirq period in fill, firerts dlargea cerlatta m eccrtze to your rryaid balance aril the tnpeid berretta is paid in full. TNs maere that you mayy stiff owe trans dlergas, even if Vou pay the ardre New Bebnce irdsted m [he front of your s[memem by tM rex[ aetmam dosing date, but rid not do x for Ule preNan mmth. Urylald flrerlce darpea ore added to the a able aaAntxx of your Ascent. tc. Miamm Fhanw arye. For each Nllirq period flat your atxxtutt Is stgact to a flrartce large, a miNmun total FINANCE CFVaROE of 50.60 will be impa®d. If rile total Narita dlarpe reaW[inp from the apPlicatlan of ynu periods rate(s) is less tlan 50.50, we wMl attract theft amattt from the 80.60 miNmun era the dfferals will be Nlled to the purdax ant of yar eccant. t d. Temporary Reduction it Fnanoa tlrarge. We reserve the right to rqt a99e9a any or ell fiance dlargea for any ¢vm bglirlg period 2. Average Daily Balance f arcludrg New Hreh»esl- a. Rnence charge is calalated 6y mritipying tfle daily belartce of stlt segmem of your arxxaau (e.g., cash adverts, purchase, apetlal trerefer, and spedai purtslase) by the srrespaxflng dally periods rere(si dot fors ban preNO Ny dadosetl [o you. A[ the aid of each ley dtdng rile Nllirg period, vie apply the daily periods re[e for eadl segment of your accent to dte daily 6alanca of eatlt segmem. Then at tfle end of rho bi&rq period, we add tq the realty of thex daily ralalatiala to artiva et your pododc firenca large for each segnmt. We add tp the realm from each aepnatt [o amve at the total periods firertce larger for yar want. To get the daily balance for eadl segment of you acean4 we take the be¢rrlirq belaroe fa stll eagmmt and add arrtyry new [rereactiare and any periods firerlce Ularge calalmad m the previas doya belerls for ttat atgnart. Wa than arbtratt any payments or credts posed es of that day that am allocated to that aegnerm. TNa ¢ves re the separate daily bdarlce for oa31 segnent of your aceotru. However, If you paid the New Belartce shown m you praNous aetemem kl full (or if your raw bolmce was zero or a credt emotatt), now trmsectiaa wNdl pmt to you purchase or spell purchase segmema are rm added to the daily talarlces. We slcubte ila average dailyy balance by adting all the daily balances together and dvidrlg dlo son by the number of the days in the rumen[ Naing cyce. To calculate your total firence dirge, mJtldV Vour averope daBY balance by the daily periods rate end by the ember of days in the billrg period. Due to ranting m a daily basis, flare may De a sfigN variance between tiYS calaaatim and the amauu of fireroe dlarge acnzoay assessed. 0. It the code Z or N appears on the from of tNs a[atammt rrxt to 'eelarlce Rate Applied 70,' we mWdply the Irrportad Notice: Paymema you mall to us will ba credited to your aa;otm as of itle buslnasa tlay we racdva it, proNdetl I7) you sad ttte bottan ponlm of tits aatamam and your deck In the enclosed remittance envelope and (2) your payment la received In our procesairg cemer by 3 p.m. ET 11 T noon Pf). Reese allow at least flue (5) business days for postal degvery. Payments received by ue at enY other locatim or in any other form may not be credited ere of the derY we racalve them. Our busirese days ere Monday tllrou¢t Saturday, excludrtg holidays. Please do not use staples, paper dips etc. when preparing your pa ent. What you send ue a check(s), you avlMrize s to make aerne-time electratic transfer debit from your bank accoun for the amatrrt of the check TNa authorizatim appl ee to all clacks recaved dump the billing cycle even if seen by someone tlsa. It we carrot process the treneter, you authorize us to make a charge against your bank account using the dteck a paper draft or other hem. Ceip~d~OY1e' what's in your wallet?' EMILY E STUM It could happen to anyone. Make sure you pay the amount _ due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES 053 BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ~ 2006 Capital One Services, Inc. Capital One u a fedrsrrlly registered service mark. All righu orserved. 053-06106 TJx Account Strmmarv Previous Balance 51,199.84 Payments, Credits and Adjustments 5.00 Transactions 535.00 Finance Chazges 524.81 New Balance 51,259.65 .Llinimum Am,suni 1Ttr 373.00 Payment Due Date Dectmba 09, 2006 Total Credit Line 51,200 Total Available Credit 3.00 Credit Line for Cash 51,200 Available Credit for Cash 3.00 At your service To all Customer Relation> or to report s lost or stolen card: 1-877-534-6841 Send payments to: Srnd inquiries to: Attn: Remittan« Pro«ssing Capital One Bank Capitil One P.O. Box 70854 P.O. Box 302&5 Charlottq NC 28272-0884 SLC, UT 84130-0285 PLATINUM VISA ACCOUNT OCT 10 - NOV 09, 2006 4934-2224-9066-8657 Page 1 of 1 Rewards Summary- this summary reflects ttatuactions Hosted during this billittit cycle Previous Rewazds Balance 52.83 TJX Rewazds 09/08-11/OS 5.00 Other Rewards 09/08-11/OS 5.00 Rewads to be Issued 5.00 Balance as of 11/08/06 52.83 Payments, Credits and Adjustments Your scheduled payment has not been remived. Pleau remit the amount due appeazing on this statement If you have already made your payment, please accept our thanks. Transactions 09 NOV PAST DUE FEE 535.00 Your account is one payment behind. Remember that making your mininmm paymrnts by the due date, keeps }~tix account in good standing.lVhen you miss a pa}mtenr, late fees star adding up. And nobody wants r}~t, So make sure .mu send in the minimlun amount due on yom~ statement m keep your account in good standing and to keep from paying exu~as fees. You were assessed a past due fee of 535.00 on 11/09/2006 benuse your min'vnum payment was not received by the dye date of 11/09/2006. To avoid this fee in the future, we recommend that you allow at ]east 7 business days for your payment to reach Capital One. Finance Charges Pleaseru rsverse tide for important information K Balmrrr tart li d Prriodu Cmrerpeadmg PR ~~~ l;li ~ .pp r to rmr . PURCHASES (413.42 .06589%D 24.05% 38.44 CASH 5798.38 .ObGlb%D 24.]5% 536.37 ANNUAL PERCENTAGE RATE applied this period 24.119'0 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~~ 0000000 0 4934222490668657 09 1259650060000073007 New Balance 51,259.65 Minimum Amount Due E73.00 Payment Dar Date Drcemlxr 09, 2006 Total enclosed E Account Number: 4934-2224-9066-8657 Capital One Bank P.o. Box 70884 IIIIIn1Ilnlulnllll Charlotte, NC 28272-0884 IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII IIIIIIIIIIIIIIIIIIIIIIII P! rprirst maifng odArne~ r-mcilrbmrger brluu miagblru orblark i,s.E Strett Apc Y City Sreu ZIP Home Plmne Alternate Phone ~ #9031471589949293# MAIL ID NUMBER EMILY E STUM o ~ 1329 DOUBLING GAP RD ~ NEWVILLE PA 17241-9758 o ~ ~ ~ II II III II III IIIIIIIIIIIIIIIIIIII111II II IIII III III IIIIIIII II III r Pleare unite yoro arrouut number on your rhuk or money ordn shade payable to Capital OsuBankand mail in the rnclared ensxlope. C'ap~ta~Q~. MAKE A PAYMENT. AND TAKE CONTROL ~~ what's in your wallet? OF YOUR CREDIT WITH CAPITAL ONE® EMILY E STUM Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ® 2006 Capital One Services, Inc. Capital Onr it a federally registered service mark. All righu reserved. 060.07754 TJx Account Snmmarv Previous Balance 51,259.65 Payments, Credits and Adjustments 5.00 Transattions 564.00 Finance Chages 529.50 New Balance 51,353.15 .'llinirmun An~otmt IT.;r St.53.t.S Payment Due Date January 09, 2007 Total Credit Line E1,200 Total Available Credit 5.00 Credit Line for Cash 51,200 Available Credit for Cash 5.00 PLATINUM VISA ACCOUNT 4934-2224-9066-8657 NOV to -DEC 09, 2006 Page 1 of 1 Rewards Summary- this summary reflects tratuactions Hosted durin¢ this billin¢ cycle Previous Rewards Balance 52.83 TJX Rewazds 11/09-12/08 5.00 Other Rewards 11/09-12/06 5.00 Rewazds to be Issued 5.00 Balance as of 12/0R/06 52.83 Payments, Credits and Adjustments Tlgttsactions 1 09 DEC OVERLIMIT FEE 2 09 DEC PAST DUE FEE 529.00 35.00 At yotu service You ie behind by two payments. Lets Talk. If you're having financial difl'ictilties and can't n;ake your To call Customer Relations or to report a lost or Holm cud: minilm:m payment. - we want m help. lets work together to find a :x$ution chat works best fns you. Give as a 1-877-534-6841 cal] at ].800.9159070. Send payments to: Smd inquiries to: Attn: Relnitmn« Pmcess;ng Capital One Bank Capital One P.O. Boz 70884 P.O. Box 30285 Charlotte, NC 28272-0884 SLC, 11'r 84130-0285 "Important Notice'"' Under the terms we previously d'tscloud to you, some or all of your Annual Percentage Rates (A.P.Rs) have been increased since your attount was past due twice in the past 12 billing cycles. Remember: If we receive your minimum mont}ily payment on time for 12 consecutive billing cycles, this aaount will be reviewed for a possible return to your Non- Introductory A.P.R You were assessed a past due fee of 535.00 on 12/09/2006 because your minimum payment was not received by the due date of 12/09/2006. 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 Pkare sec reverse side for imfortant injormatian ~ Ba! rm'r Penodv Cm .•pondmg ~ `~ m applirdto m rmY APR l,r. `~ PURCHASES 5458.85 .07712%D 28.15% 510.62 CASH 5815.94 .07712%D 28.18% 518.88 ANNUAL PERCENTAGE RATE applied this period 26.1596 • PLEASE RETURN PORTION BELOW WITH PAYMENT • ~~~ 0000000 0 4934222490668657 09 1353150060000153159 New Balance 51,353.15 Minimum Amount Due 8153.15 Payment Duc Date Ianuarv 09, 2007 Total enclosed 5 ~~ Account Number. 4934-2224-9066-865? Pl arrpriut,aai!'ngaddrrrra~ r-mai(rAangrrbrGw miagb! orbla.:E i~cl: Strcet Apt Y Cry Spa ZIP Home Phone Alarna[e Phon< ~ #9034471589949290# MAIL ID NUMBER Capital One Bank ~ ~ EMILY E STUM P.O. Box 70884 llllllllnlllnlllllll 1329 DOUBLING GAP RD ChdrlOtte, NC 28272-0884 N ~ NEWVILLE PA 17241-9758 0 lllllllllllllllllll ll 111 ll 111 ll lllllllll lllllllll 11111 ll ll 1111 ~ ~ llllllll llllllllllllllllllllllllllllll ll llllllllllllllllll 1111 Please write your arraunl numbs on yow rJxrk or moray order made fayab/e to Capital Oat Bank and mail in tlx rnrlared rnvelofe. r O ~ O ; ~i tp O NN ppee silt rate. To oMain the average daily balertce for the billirq Period covered by tNa natemem, we take the hegimnq 6alarxx of each aegnem eedt day, add any new tfan88edpre 20 eedt eegnart, ofd sWlreLt any peymrd9 or credts. 11f its code N appears on the find of ibis natrrtent rent 20 'Balance Rate Applied To,' we dao atattram arty rrpaid finance charge irtdutletl n the balance of ee h aagrnem.) TNa gives us the daily bakrxa of each aegmam. Titan we add up all the d~gyy balaroea for each segrtem for the billing periatl and dNde by the fatal amber of days in the Nlgng period. TNa gives ua the aver~ggaa dilly 6elartce of eatlt segment. 3. AnaW Proeritge Rotas IAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR" on the irmt of 1Na atnement. b. If the code P )Prime), L (3-mo. LIBORI, C (CeniTicate of Depaeh), or S (Benkcard Prime) appears an the from of tNa natemad nee to the pedodc raters), tra periodc rates and certesportdng ANNUAL PERCENTAGE RATES may very quenedy and may increase or drxreeae based an the Hated irdces, as food in The WeU SVeet Journal, plus the margin ppreNaaly diadoead to you. These dtanpea wall be eNectlve on the first day o1 your dllirq pedal covered by your pedodc statement endng in the menthe January, April, Jdy and October. c. If the code D (Prime), F (1-mo. LIBOR) or G (3-mo. UBOR Repriced MontNy) apps the front of your netrtment Hen to the periodic rate(s), da pedodc rates end corresponding ANNUAL PERCENTAGE RATES may vary monlNy and may increase or decrease based an tla Hated indcea, as fend in The WaU Street Journal, plus the margin preNotraly dadased to you. These changes will he eRectlve on the first ley of your hipirtq period eadt month. 4. Arsesunrt of Lrce, Overirii rd ReWned Psysrat Fees. Your account will ba assessed ro more than two of the fees lined here that occur during any Nllirtg period. Under the terms of your customer agreemem, we reserve the right to waive or not to assess any fees vAtftout pprior rafiflcatlan to W w1111IX1t waiting OUr right to assess the game Or similar eea al a later time. 6. ertewitg Yarn Aoaaut. It a membaMip fee appears on the front of this netement, you have 30 days fran the data 1Na natement wee mailed to you to avdd paNm the fee or to have such fee credted to you if you cancd your account. During this period, you may emdnue to use your account without haNrtg to pay the membership tee. To cancd your astern, you must notify us by calling our Cusomer Relatiore Departmrxd end pay your'New Balance' in htl (excluding the membersNp fee) prior to the end of the tNrty-ley period. 6. If Ytw Cbse Var Aooast. you can request to dose y r acewnt by calling our Cunamer Relatlore Department. Vou mart denroy your credit card(s) eM e ant access dtecka, cancel all prearnhorized billing, aril cease usirte your account. If you do rat cancel prearnhorized tilling anertpamenta, we will consider receipt of a charge your arnMrization to reopen your astern. Additionally, your astern will not be dosed until you pay ell amounia you ows U9 lroludirtg: any trareamiare you have authodzad, fireroe charges, pen due fees, overiimit fees, returned paymem tees, cash advance fees and any other fees assessed to your accent. Vou are renpartdNe for Neae amorists vnether they appear m your eccotm at the time you raquen to clone the accent or they are Incurred aubsegtant to y r regcen to dose the accent. TNa may stlt In charges appearing on Your accent Brier you have your aewtt if h has already bean dosed. For example, if you eutlarized a purthese fran a rrordam aril we raodve the trertaectian from tM man3am after your ecrnnt has been tloaed, your accent will be reopaad, the errant of the Uarpe will be added to yotu racer[[, end you wig be reapetaibla for peymem. If there is a membership tae for your eceard, the foe vsll certdrxra to 6e therrgqoadd, to the e~oerx pemtitted by law, rrdl the aceant bdence has been paid in hll as deflred above. 7. Using Yer Aueanl.Yaur curd or accent earsat be used h txtrrrectbn with any Internet gemNing trertsectbre. S. Notce Abort EleaborYo Gook Wrnrrbn. Wften you provide a dteck as peyttwx, you auhoriza us drher to trse information from your deck to make cone-rime dectrevc ftsd trarefer from your bank accent or ro process Ufa paymed es a deck trereaetim. When we use inomudm from your dreck to make an electrorto ftnd trereter, ftrt~ may be witftdrevm from your beret accernt ae soot es the same day we receive War payment, and you will rot recdva your deck beck from your Trandd iredtution. BIWNG RIGHTS SUMMARY Iln Case O/ Enora Or Queadore About Vour Bilq If you Wnk your NII is wrong, Or 11 you need more inormatlan on a trereaction ar NII, write to ua m e separate sheet as soon ea poaalde at the addma for inquiries drown on the front of 1Na netemem. We moat hear from you ro later than BO deye aher we sent you the first NH on wfsdt tfa error or Drablem appeared. Vw can call our Customer Rdadore number, but doing ao will not preserve your dgtts. In your letter, give rn the olbwinp inonnadan: your reme ant accorm rxanbar, fire ddlar amen[ of the ruspac[ed enor, a dexriptian of the enor end an explanation, rt poeaide, of wwhatyy YoU believe there is an error; or If you need more Infannatlon, a deacdptlm of the hem you are uarre about. Vou do no[ have to pay any amotrd In quanim wNle wa era Inveatigatlrq it, but you em adg oNlget~d to pay tta pans of your NII that are rtn In queatlon. YVHIe we Investigato yea question, ws canto[ report VW as ddirtquent or take any actlOn to cdlect the errant you quaslion. t,t Spacial Fk1e far Cradt Card Purcheaee It you lave a pradem with the quality of propenV or aeMcea that you purdased with a trail[ card and you Five tried In good faith to correct the problem with the merchant, you may lave the dgM not to pay the remelting amorist due on tfa property or aeMcea. Vou have tNa protectlm oNy when the purdau plea was more than 950.00 and the Wrchase was made in your home state or whNn 100 miles of your milling address. Ill ws own or operate the merchant, or if the mailed ynu the advertisement for the property Or seMcea, all purchases are covered regardeas of amorist or bcedon of purchase.) Please remember to sign all cerreapgrdartce. 't Does not opPly to consumer ron-credU card accounts I Does mt appy to business ran-uMU ceN eccaunts One atpporta infortnatlon Drivacy protection: sae our at mvw.captalore.com. Ora is a federally reg~t~r~d service mark of Capital wraial Corporedan. FUI dgtna reserved. 0 2003 One 01 LGLBa.K -r a. Graoe Priori. You will have a midmrm grace period of 25 daVa without firarae charge m new Wmhosea, new balance trerefers, new s(adal purdteses end new other darpea if you Pay Your total -Now Babrtce', in accordartca with the knportent Notice for peymtxdr below, and in time for it ro be cradrced by your next eretemrm tlodrtg date. Them is ro grace period m cash edvarvMs end apedal transfers. In addtlm, dtere is ro grace period any trereactlan if you tlo rat paV 1M [orel 'New balance.' b. Aamitg Firr:we Clarge. Trareadiare whidt are not subject to a prece period are assessed flrertce dtarge t) tran the date of the treraectlon or 2) from the date the trareamim is proczssed to Wrrr Accent or 3) from the first ederdar deV of the curratt Nllirtp ppeariod. Addhieally, if you did rot pay the 'New Bdartca fnrtt the preNous Nlling period in toll, finance dtasrgaa cortdnue to acerue [o your utpaid bdance tntil the uyaid balance is paid in fJl. TNs meare that you may stiff owe (Hants dtarges, even if You PaV Ufa entire New arse irxicated m tfa front of your nataman[ by the roM natemem dosing data, but rid not do so for Ufa Prevbtm mmN. Unpaid flrerae dirges are added fa the appgcede segnem of your Accent. 1' c. kiYtirrsan FFrtw Chrge. Far each Nlling period that your eccam is atbject to a flrartce large, a miNmun teal FNANCE GtARGE of 90.50 wig be imposed. If rho tool firerxx large rewlU frem the appficetlon of yyoouu periadc rate(s) is lase then~0.50, vie will stLtrtrct that amen[ from the 90.60 miNmrm arcl rite 6forertce will be Nlled [o the purchase aepnem of your accent. t d. Tenrporry Redrotian it Fiwae Chrge. We reserve the fight to rot assess any or all finance darpes for any given Nlling perod. 2. Avrage Daily Balrae IYak+d to New Prahaseal. a. Hrence charge a calWated y mtatlplyfrtg the daily bdance of eadt aegnen of you accent (e.g., cash advance, purdreae, spedal trarofer, aril apedal purhase) by the certespordng dally periods rete(sr that has beat prevkxdy dsdosed ro you. A[ the and of sari[ day Ndrg the Nlgrg period, we apply the daily pedadc rate for eadt segment of your accent [o the drily balance of sari[ regnant. Tian at the aril of th Ngrrtg period, v+a add tp the rea/ta of these daily celerladOru w aniva e[ your periods finance charge for eedt regnant. We add tp the resuhs from each sapnrm to arrive at the total periods firertce dirge for yar ecrnurtt. To Bat the daily belartce for eadt aegitent of your accent, wa take the begimirtg belerae for eetlt aegnent end add any rew trareacdats aril any dock firortce dirge ralelated an the preNazs day s balance for tlat segtant. We tfren nLtract any payments or credts ported as of that ley fiat am allocated to that cegnent. TNa glues in tlta separate dally 6dertce for eadt regnant of your accent. However, If you ppaeid [rte Ww Belertce shown on Your preNOrc natemrxx In fill (or If ywr row belertce was zero or a credt amen0, row trereactiea wltidt Poet m your purdase or spedal punYase segments are rat added to the daily bdartoas. We ralelate the averege daily balance by adding ell the daily balances together end dNdrtg the sun by tfa rtunlar of the days in rte anax Nging cytle. To calculate ywr tail firertce clrerpa, mddply your everepe defy bnlarae by tta tlaily podock rate end by the ember of days in the NIGrg period. Ua [O raatdirtg an a daily basis, tfare may be a sfigM variance betvreert tNs calelnim end the emam of flrortce large amrapy eaaessed. b. If the code Z or N appears an the horn of Ws atatemam roxt ro ' Bdartce Rata Andied To,' we mWtldy the Irrportartt Natloe: Paymerna you mail to us will 6a crodtetl to your acootnt as of the budrese day rte receive h, proNdetl I7) yog nerd Ute bottom portion of tNS netamem end your dock in the ertclosad remitance envdope and (2) your Paymem Is received in our procesatng cemer by 3 p.m. ET (12 neon PT). Please allow at lean flue 15) business days for postal ddivery. Paymeme recdved by ua at any Otlar locason or in any other forth may rat be credted as of tla day vva receive them. Our brmnew days are MoMay thrwdt Saluday, ewdudnq hdidaye. Please do not use naplee, paper tlipa, etc. wtten preparing your payment. When you provide a dteck ae payment, you aUdwriza us tither to use infartnafian horn your check to make a one-time dadrorlic fund sansfer from your accent or to process the Daymrtt ae a check trsraectian When we use inferlnefion (ran your dteck to make an dectrortic land trerater, luntls may be withdrawn from your astern as soon as the same day vre racave your paymad, and you will nor recdve your check back tram your financial iratitutim. And don't forget-you earn rewards on every TJX Visa® purchase! PLATINUM VISA ACCOUNT 4934-2224-9066-8657 • Earn 5% rewards on purchases made at T.J. Ma>~, Marshalls, HomeGoods and A.J. Wright and earn additional Rwards* on purchases made anywhere else Visa® credit cards are accepted. • As your rewards add up, you'll earn $10 Rewards Certificates. • Redeem your Rewards Certificate for merchandise at any T.J. Marc, Marshalls, HomeGoods or A.J. Wright store location. T~•tY1CD~( Marshalls. xo d A.J Wright •neax t« ,nr aa,.ata, rmgrm •r m~, aaa eaaan~o~,a m roes, otsp~aai orr at:aw~,~„ani a~arieaan lrtkt r , tai J<ra~rt Caplta~ TJx Account Summary Previous Balance E1,353.15 Payments, Credits and Adjustments 1148.00 Transactions 529.00 Finance Charges 532.50 New Balance 51,266.65 Minimum .4movnt Due 566.65 Payment Due Date February 09, 2007 Total Credit Line 51,200 Total Available Credit 5.00 Credit Line for Cash 51,200 Available Credit for Cash 3.00 J ._ 028 T X Its that easy! 028-1103 DEC 10, 2006 -JAN 09, 2007 Page 1 of 1 Rewards Summary- this summary reflects transactions posted duritt>r this billintt cycle Previous Rewards Balance 52.83 TJX Rewards 12/09-01/08 5.00 Other Rewazds 12/09-01/08 5.00 Rewards to be Issued 5.00 Balance as of 01/08/07 52.83 Payments, Credits and Adjustments 1 04 JAN PAST DUE FEE CREDIT 535.00- 2 09 JAN DIRECT DEBIT PAYMENT 113.00- Transactions 3 09 JAN OVERLIMIT FEE At your service To call Customer Relations or to report • lost or Holm card: 1-877-534-6841 Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 70884 P.O. Box 30285 Charlotty'.YC 28272-0884 SLC, lll' 84130-0285 lmvortant Account Informaflon When you provide a check as payment, you authorize us either to use information from }rout check to make acne-time elecronic fund transfer from youraccount or to process the payment as a check transaction. When we use information from your check [o make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your futancial institution. 529.00 Finance Charges Pkareree reverreridefor important information Balarsn mtr Periodu C pmdmg )/,[~Q,~~~ ejyl;edPo raft APR l.t1A1C PURCHASES 5525.83 .0771296D 28.15% 312.57 CASH 5833.58 .07712%D 28.15% 519.93 ANNUAL PERCENTAGE RATE applied this period 2 6.1596 ~~~ • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~"°sV17e 0000000 0 4934222490668657 09 1266650113000066656 New Balance 51,266.65 Minimum Amount Due 566.65 Payment Due Date February 09, 2007 Total enclosed S ~~ Account Number. 4934-22249066-8657 Scctt Apt 4 City Sraa ZIP Home Plwn< Alretnat< Phons #9001071589949297# MAIL ID NUMBER I Capital One Bank ~ EMILY E STUM P.O. Box 70884 ~t~t~s~~uu~n~~~ns~ n ~ 1329 DOUBLING GAP RD Charlotte, NC 28272-0884 a ~ NEWVILLE PA 17241-9758 ~u~t~~u~su~s~~nt~u~t~~~ut~u~r~u~u~n~~u~u~u~~ut~~ ° ~ ~m~~~w~n~t~r~u~ut~~~t~u~us~i~t~t~u~nt~t~~s~ut~s~s~ Pleare write your account numbn on yaw therk m money order madepayable to Capital One Bank and mail in the earl ed envelope. Plrarepr;rstmailingaddrrrrarsd/ r-rna;lrAangrrbr! m;ngb! orb/arkirsk r O H I t7 i O VN p~arade rate. To obtain the average daily balance for the Nlling Period covered by this statement, wre take the begimng belartce of each segmem each day, add any rew tranmcdore to each mgnent, aM arbtroct any payments or credits. llf the code N appeare en the tram o this statement rexi to 'Balance Rete Appl'ed To,' we also attract any tspaid flnerrce darge intluded in the balance of each gate t.l Thia gives ue the daily balance of each aegntent eTlren~ we add up ell Me dallyy balances for each segnnt to the Ngirg period and dNde by the tend number of days h the hitting period. TNs glues ua the age daily balance of eedt eegnent. 3. Artnrl Proerrtage Rats IAPRI. e. The teen 'Annual Percentage Rate' may appear as 'APR' en the front of iNs statement. b. If the code P IPrimel, L (3-mo. LIBOR), C lCenificate of Deposit), or S (Benkcard Prime) appears en the fran of this statement next to the periodc retell), the periodc rates erd correspawinp ANNUAL PERCENTAGE RATES may very quehedy and may increase or decreax based en the slated iMicea, as found in The Well Sweat /ourne% plus the margin ppreNouiY datlosed to you. These rbengea vAll ba eHactlva en the flret day of your Nlling period covered by Your padodc statemett erring In tM monde Jarsrary, April, Jdy nd October. c. Ii the code D (Pdme), F (1-mo. LIBOR) or 0 13-mo. UBOR Repriced MentNy) aDp~~re m the tram of you atdiMleftt reM 10 the period[ rate(s), ifle pedOdG ra1H end corresponding ANNUAL PERCENTAGE RATES may vary men1Ny and may increase or decream based en the stated indcea, as loud in The We/1 Sbee! Joumel, pWa the margin previoudy dadoaed to you. These dungea will be effective en tfe first day of your billing period eatlt month. 4. Asmearnri of later Overfirrrt rd ReWned Psyrrrrt Fwe. Vaur ecceum will be assessed ro more than two of the tees listed here that occur during any Nlling period. Under the terms of you customer egreemem, we reserve the right to waive or cal to amass any sees wither p for rotifcation to yyou without walNng our right to assess the aeme or antler faee at a later lime. 5.tReraewfV You Aooart. If a memberaip fee appears en the front of this statemem, you have 30 days from the date this statement was mailed to you to evdd peyirg the tee or to have such fee credted to you it you cancel your exoum. During tNa Derod, You may cendnue to use your accoun withotn having to Day the mamberehip fee. To caned your actxxnt, you moat notify ua by calling our Customer Beletiena Departmem eM pay your 'New Balance' in fdl (exdudirg the memhersNp fee) prior to the end of the thlrtyEey period. 6. N You LYoae Vau Aoaorad. you can request to don your account by calling our Cretamer Relatlom Department. you moat destroy your credt candle) and a [star access decks, cereal all preauhodzed billing, and cease ualnp your accent. If you do rot caned preautlarized Nlling arrergemenn, we will coreider receipt of a charge your auhotlzatbn la reopen Y r accent. Additionally, your account will cwt be dosed until you pay all amounts you owe ua including: any transadiore yew have auhorized, trance charges, Dest due tees, ovedimit tam, returned peymem fees, cash advance tees antl any other fees assessed to your acctwm. Vou are respenable for these amounts wiatfer they appear en your secant at the time you requea to close the accent or they are Incurred aubsequam to your raqun to close the accornt. TMs many result in charges appearing en your account after y u have your secant if it has already been dosed. For examge. if you authorized a purchase from a merdtem and wa receive the trereacden from the memhem after your rx:ant has been dosed, your secant wGl be reopened, the amoum of the Utarya will be added to your trxant, and yyoouu will be reaponaNe for paymem. If them la e memberatip fee for Your aocant, the fee wiR cendrxzB to 6e tlerged, to the exient pemattetl by law, entil the accent balance hen beat paid in fill as deflrad above. 7. llairg Vau Aooorsd.Vwr card or secant cercat be usod In xrrtectbn wkh any intemat gamGing trereectbre. 8. Ntrtlw Abort EleetrarYo Clreok Coravera6n. What you proWda a drxk as payrnem, you audnrize us dther to tee infortnedon from your deck to make a one-rime dectraric find treater fran yar bank exert a to process the peymem ea a deck trereectien. When we tee information from your deck to make an dactroric fiM transfer, fines may be withdrawn fran you bank exert a8 soen a9 ifs 9anaB day Ne feCOive your y~ott~r Rat a x5al k~rdtu[ion. recdve Vour dxa:k bock from BIWNO BIGHTS SUMMARY Iln Case Oi Errom Or Oueadana Mort Vour eilq If you tNnk your NII la wtag, or If you reed more iniormaden en a trereectim or NII, write to ua en a separate sheet ea soon as posade at the address for 'rxpiriea shown en the from of tNa atatemem. We enter hear tram you ro later than 80 de after tva son you the first NII en wNch the error or problem appeared. Vau can call our Customer edadore rttunbar, but dairy m wfil not Prmerve your righu. H your letter, rive us the idlowirq ntomeden: your name and accarnt number, the ddlar amotnt of the stepemed error, a deacriptien of the enor and an axplaretien, ii posade, of why you hdieve there is an error; or if you reed more Intomatlan, a dexriptien of the hem you ere unsure star. Vou do rat have to pay any amour in questim wlYle we are Invm[igmirg it, but you are still aNigated to pay the pane of your NII that are rat in queslien. WTile we Imestlgete you quesllon, w+a carrot raper you as deanprent or take any actin to cellect the amount you question. I,t Special F(ule For Credt Card Purclems If you have a proNem with the yuellty of property or mrvicea that you purdemd vNTh a credt card and you have tried N good laith to correct the proNem with the merMant, you may have the dgrtt rat to pay the remalNng amount due en the property a aeMCea. Vou have Wa protection aNy when the purdum price was more than 360.00 end the purdtem was made in your home sate or within 100 milm of your mailirq addrem. (If we own or operate the merchant, or it we mailed you the advertisement for the property or services, all purdmses ere covered regardem of amount or lorafion of purchase.) %eam remember to sign all correspondence. 't Does ro7 appy to consumer ran-cred/t card eccounzs Y Does rot appy to business ron-credh card eccowrts One atpporta information privacy protection: sae our at wWN.capptalore.com. One is a federegy rep'star~d service mark of Capital Handel Corporetlen. Ail nghta remrvad. 0 2003 One 01LGLBAK f . How To Avid A Fiunoe Charpe. t a. traoa Perod. Vou will have a midmun grace period of 25 days without firertce dtarpe en now Przmlasm, new bolartce Irerefere, new sparest purdtea~ aM rew other dtargas if you pay your total 'N~e1~w balance', in BCCWdarlCe With Lfe IrnpOrtam HOtiCa fof paymeM9 bdOW, and in time for k to be crafted by Your rexi stetemem dosing date. There is re grece period m cash advances and statist trarefere. In atkitlon, then la ro grace period any trereactien if you tb roc pay the teal 'New bdarae b. Aooruirg F(mrroe t:large. Trareactiae vairh are not abject to a gace period are assessed flrerxx large 1} from tlae date of the trenascdan or 2) fran the date the trereactien is processed to yar Axant or 31 frem the first celader day of the wrraat billing ppaa od Addniaally, if you 6d rot pay the 'New Baartce' from the previote bBlirq period in fW, finance dtarym cadre to accrue to your upeid bdence writ the trpaid balance is paid in fill. TNa meare that you may ~a owe fnarae durges, oven if Y~ PaY tfte entire New Belarae ndrated en the from of your atatament by the rexi aeterrent doarq date, but rid not do aD fa the prevlan mash. Urpad flrorae Utarges ere added to the eppppff : e mgnas of yes Aaatatt t c. MiNnvn Fkunoe qrg .For each Nlling period that your exert is abject to a M1tatca dtarge, a miNmun total RNANCE CF44RGE of 50.50 will 6e Imposed. H der total flrence durge reWdng tmn the apPlintlen of yynnuu periods retail} is lam than 50.50, wa will ab[rad theft snood fran the &0.50 mirimun end the dfference will be billed to the qurhem sagnare of your axastt. t d. Temporary Reduotisn F Florae Ourge. We remrve 1ha rigm to rat amen any or all finance dtar'gm for any even Nlling period. 2. Average Daly ea.no. lirtokrdst0 New Ptroltamal. a. Faeroe charge is calaiated 6y multiplying the daily belertce of esdt aegnent of your a[xaatt (e.g., cash dvarae, puniaae, spade trerefer, ertd special purcase) by the cerroRrordrtg daily pedodc rate(s) dot has been prevbtelV dsdosed to you. At rite std of each dey during the Nlling Period, we apply the deny parlodc rete iw each segment of your accent to the dally balance of eadt se(lnterd. Then at tfa end of the Ngrrg period, we add tp the rmiits of tftme daily ralaiadore [o stave at your periadc fironce Berge for each segnnt. Wa ad[I tp tla resits from mdt mgrnrxd to arrive ac the total pedaic firrer>ca Merge for yar accasx. To get the daily balance for eaM segnnt of your axon[, We take tfa begimirg belarxx: for eaM eegnem end add any rew trereactlere b any periodc flrance charge celniated en the previous dais belarae for flat aagnem. We then attract any peymertu a credta Posted m of fret day that are allocated to that segment TNa glum us the separate daily balance for eaM agment of your axon[. However, if you ppaeid the New lielarxre shown en yaa preNae statement in hit (or If you raw balarae was zere or a credt amoutt}, new trareacdaro whits pose to your purdeae or spedd prudase segnenm am rot added to the daily belerrxa. We calculate the average daily balarae by addrg ell tta daily teleran togetlar and dvidng the sun by the amber of tlta days in the torten Ngdg cyder. To calculate your total firorne large, raidWy your average defy balace by the daily pedoek rete and by the amber of days in the Nlgng period. Due to rartdrg en a daily boas, tftere may ba e slight variance between rtes calculatlen end the amen[ of Rrorae derrge actuafy eaaesaed. D. It the code 2 o N appears an the tram of tHs statement roxi to 'Bolarae fiats Applied To,' ve mW[iply Ne Inpatatl Nstlw: Peymerna you mall to ua will ba credted to your accent as of the budrem day v+a recdve h, proNded I1) you send the bottom portion of this autemem and your pack In the endoaetl remittance envelope end 12) your payment is recelvetl In au ocasaing cemer by 3 p.m. ET (12 roan PT). Please allow at least Ave 15) buaineaa days for postal ddlvery. Payments received by ue n any other locauon or In any other (arm may not be credited as of the day we racdve tfwm. Our buanasa days era Morxlay throtgh Saturday, wtcludrq hdidays. Please do not use naplm, paper dips, etc. vdten prepanrg your payment. When you provide a dreck es payment, you authorize us eiNer to use mtormeden from you check to make a one-time dedraic find transfer from your axotun or to process the paymenn as a dteck trereactien. When we use information tram your check to make en dectraic fund transfer, fistda may ba withdrawn from your steam as soon as the aeme day we racave your paymem, and you will not racdvo your check beck fran your finandal irethvdon CapitailQy~' what's in your wallet?~ EMILY E STUM It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS ~ do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES 053 BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ~ 2006 Capiral One Services, Inc. Capita! One is a federally registered srrvice mark. All rigbtr reserved. 053-06706 ~NoHassle ° REWARDS Account Summazy Previous Balance 51,266.65 Payments, Credits and Adjustments 5.00 Transactions 535.00 Finance Charges (30.63 New Balance 51,33228 1'llinirmun Amannt.[.hte 51.32.28 Payment Due Date March 06, 2007 Total Credit Line 51,200 Total Available Credit 5.00 Credit Line for Cash 51,200 Available Credit for Cash 5.00 At yotu service To cell Customer Relations or to report a lost or stolen .xrd 1-877-534-6841 Scud payments to: Send inquiries to: Attn: Remittan« Processing Capital One Bank Capital On< P.O. Bos 70884 P.O. Box 30285 Chulotty NC 28ri2-0884 SLC, UT 84130-0285 Imoortant Account Information Beginning Mazch 1st, 2007, based on your account activity you maybe assessed more than two late, overlimit, or returned check fees (based on your account activity) that occur during any billing period. PLATINUM VISA ACCOUNT JAN 10 -FEB 09, 2007 4934-2224-9066-8657 Pagel of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appeazing on this statement If you have already made your payment, please accept our thanks. Transactions 1 09 FEB PAST DUE FEE 535.00 Y.nv account is one payment lxdtiuri. Remember that malting your mitrimwn payments by ilte due date, keeps your account. in good standing. 4S'hen you miss a payment, fare fees star adding up. And ncbodV wanrs :hat. So make a7ue trou send in the minimum amount due on your statement u> keep your atronm in good standing and to keep fiom paving extras fees. As of 02/09/07, yoty cturent No Hassle Rewards balance is 5.00. Please note that rewazds information reported here may not reflect all purchases on this statement or recent redemptions. Simply go online to www.capitalone.com/cashrewazdswh6n you aze ready to redeem. Please note that your payment due date maybe temporarily changed next month. Please make any necessary adjustments for sending in your payments to us. We apologize for any inconvenience and appreciate your business. You were assessed a past due fee of 535.00 on 02/09/2007 because your minimum payment was not received by the due date of 02/09/2007. 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 me revere rids for important information H Balarur>a<r Prnoda Car ryondwg ~/,~~ ~ atylirdro rm'r APR !il( PURCHASES (481.61 .07712%D 28.15% 531.51 CASH 5799.79 .07712%D 28.15% 539.12 ANNUAL PERCENTAGE RATE applied this period 28.15'!'0 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~a~"°3~rI~ 0000000 0 4934222490668657 09 1332280113000132288 New Balance 51,332.28 Minimum Amount Due 5132.28 Payment Duc Date ~4anh lHi, 2007 Total enclosed E Account Number: 49342224-9066-8657 Capital One Bank P.O. Box 70864 ~t~n~l~nulltnlrlt Charlotte, NC 28272-0884 hrLlLtLttltlhttLt611LtJttltLtitrittllttitdtrlitttll Please vrritc your account number on you Plrmrpnwtmaifngaddrrm~ r~rcailrhmrgrrbr! arindb! orbla<Eiuk Str«t Apc Y Ciry Srm ZIP Home PMsk Alumate Phone #9004171589949292# MAIL ID NUMBER ~ EMILY E STUM ,..~ ~ 1329 DOUBLING GAP RD ~ NEWVILLE PA 17241-9758 ° ~ LttllhttLtlJJtrltttllldttLtdJtlrlttLttltlLltttLL or money ordn made fayabk to Captal One Bank and mail in tGe rnclared rnvekpr. r O M ; O F ~ o zu'nN perbdc rate. To obtain the average daily balance for the billing peeled covered by this natement, we take the begmutg belartce of each segment each day, add any rew trareacaore to inch sepnent, and abtroM arty payments credts. 411 the code N appears m the from of this stMematt rex[ to 'Balance Rate Applied To,' we elx sr6tract any uipNd firartce charge irtduded in the balance of inch segment) TNa glum ua the daily balance of each aegnent. Then, we add up all the daay balances for each segnent is the Nlling ppeetlod and dNde by the total number of says b the bilNrq period. This gives us the usage daily bakroe of each aegnent. 3. AMW Prartga Rata IAPRI. a. The term 'Annual Percemage Rete' may appear es "APR' en the front of 1He statement. b. If the code P (Prime), L (3-mo. UBOR), C (Certifcate of Deposh), or 5 (Benkcerd Prime) appears en the hart of Chia sretemem next to iha petlodc rate(s), the periodc rates ant corre~pondng ANNUAL PERCENTAGE RATES may vary Quart¢dy and may II1LrE8se Or daer¢998 based en the stated irtdcea, as farntl in The Wed Sheet Journal, plus the margin pprevieuely dadoaed to you. Thex thengea will be eHectlve en the flret day of your Nlling peeled covered bV Vour pedodc natenwnt endrq In the menthe January, April, JWy and October. c. If the code D (Prime), F (1-mo. LIBOR) or O 13-mo. UBOR Repriced Menilgy) appears en the front of your natemeM next to the pedotlic retels), the pedodc rates and oormspondnp ANNUAL PERCENTAGE RATES may vary matWy and may increase or decrease 6axd en the slated indcea, as found in The Wed Sheet Journal, plus the margin preNOtdy dadosed to you. Thex changes will be etfecave en the firer day of your NNirtp period melt month. 4. Aasanmrt W Lata, Ovarimi std Rauand Payrrwt Faaa. Your account will he assesxtl ro mom than two of the fees listed here that occur during any Nllirtg period. Under the terms of your cunaner agreement, we exrve the right to waive or cwt t0 aaaea9 any rein vAtfwut pd rotillcatlon tp you withwn waMng OUr right to 899899 the same Or similar s et a later lime. 6. ce Yorr Aaear[. If a membeshp fee appears m the front of this statement, you have 30 days from the date tHs statement was mailed to you to avoid payirtq the fee or to have such tae credted to you ii you caned your accent. During this period, you may cmtinue to use your aceem without hevinp to pay the membership 188. To motel your account, you must notify fro by telling our Custaner Relations De(artmrsn and pay yyour 'New Balance" in full (exdudrtg the amherahip tee) prior to the and of the 1Nrty-0ay period. 6. N Yau Cbaa You Aaaotast. Vou can request to dom yyour secant by calling our Customer Relellane DeparuneM. Vou must destroy your credh card(s) antl a corm 8CCe99 Checks, Caned all preaulhodzed Nlling, end ceax usirrQ your accent. If you da rent canal preauthodzed dllirtg arranganenta, we will consider reWp of a charge your atnlwdzailm to reopen your accent. Addiilarelly, your account will not be cloxd until you pay ail amounts you owe us Irtdudinp: any trereadions You lave auhodzed, trance charges, peal due fees, avedimit fem, reamed payment fees, cash atlverce fees and any mbar fcea assessed to your actxaan. Veu ere reaponaihle for these amotnta whether they appear m your account at the time you request to clone the secant or they ere Incurred aubsegttent to tour request to dose the accent. TNs may rmult In herpes apreadnp m your accent after you he Ve your secant if it has already been dosed. For etmmple. if you autlwdzed a purdax from a merr3aM and we receive the troraacaen from the merdaM after your atxwn has been tlaaed, your accetstt will be reopened, dw ama9s of the dterge vAll be added m your eccetatt, ant you 'll he respontiNe for payment. If them is a membership fee for your aceant, the fee will cerdraw to ba charged, to the etpeM permitted by law, anal the aocant bebrtce has been paid in fill as defined above. 7. t)+krg Parr Aooanl.YOUr card or secant carrot be used in mawrxkn with env kuemat gsmNirg trertxcrbrts. 8. Notion Abet F]aWnrio Chaok Caravrsbra. When you proNde a dteck as payment, you authorize ro elther to use information from your dwck to make a aro-ame electroric fad trerufer fran yotr bank accent or to procex the peymak as a deck trareacaat. When we use information fran yotr dwck to make an electronic h9td trerofer, lards may he withdrawn fran your bark accent as soon as the xme day vro retroive you payment, and you wgl rat reWVe your dwck back from your !sandal inadtu[ien. BIWNG RIGHTS SUMMARY Iln Caae Of Errors Or Ouesilau Abou your &Iq I1 yw tNnk year bill Ia wrong, or Ii you reed more iniomtallen en a traraealen or NII, wMe to us en e separace sheet as seen as posaiNe at the address for 'rtquidea shove en the front of ass statement. We must hear tram you ro later than BO days aher we sent you the first hiN en vAtidt the error or problem appeared. Vou ten call our Cunaner Relaaea number, but ddrtp so will cwt reserve your dQtta. In your letter, give us the idlowirq Pn,amaila,: your came and eccotnt number, ifw aalar amotrn of the atepeMed error, a descdptipn of the error and en explanation, if posaide, of whyy you believe there is an error; or It y'ou need more infomtatlen, a deacdptien of the hem yw are uaure about. You do rot have to pay any errant In questlm wfale we are Inveatigaarg h, brrt you are sdN obligated to pay the pens of your NII that em cwt In qumtlen. WNIe we Invest)gete your qumilen, we carrot report you ea delinytrrtt ar take any scrim ro cdlect the amount you Weaam. i,t Spedal Rule Tor Credt Card Purchases Ii you have a problem with the quality of property or services that you purdmxd with a credt cerd and you have tiled In good faith to correct ate praNem with tlw merchant, you may lava the right cwt to pay the remaiNng arrant due m the pr~peny or xMces. You have tNs protectlm only vfien the (wrdax price was more than >60.00 end the purdax was made in your home state or vhthin 100 milm of your mailing address. (Ii we own or Operate the merchant, or it we mailed yell the advertisement for the propetty or xrvicm, all purrhasm re covered regardeas of amount or lecaam of purchase) Please remember to sign all correspondence. t Does not aPP)Y to consumer inn-credit cad eccaurts i Does rot aPPh to bustness ran-credit card accounts Ore elpporta intormadm PrrvacY Protection: sae ou at www.capptalore.wm. Ore is a federelly rag~r'star~d service mark of Capital artdal Corporation. All dgMa reserved. 0 2003 One OiLGLBAK 'r a. @aaa Priori. Vou will have a mirimvn grace period of 25 days without firortce darga m rew purdasm, new babrtce trerofers, rew spade) purMesea and new other tlarges if you pay Wur total 'New Balance", in aCCOMa1wC Vdfll ilia Important Nance fOf peymeM9 belOW, and in time for h to be credted by your rox[ statement tlosirg dace. There is ro grace period en cash advances and sp¢dal traafers. In addrion, there la ro grace period an enY trareacdm if you do rot pay the total "New balance." b. Aoorritg FNrrtoa Citarga. Trertmctiprra vNatlt are rot stL(ect to a grata period ere assessed firertce dtarge 1) frem the date of the ceraectlat or 2) frertt [he date the tranacaen is processed to your Atxdatt or 3) from the first Wader day of the current billirq period. Addtlorolly, if you rid rot pay the 'New Belartce' tram the previous Nllirp period in full, finance darym eenara,e to accrue to your upaid belertce tattll the utpeid balance is paid h full. TNa metre that you may aril owe Martce tlargm, even if you pay the entire New Balance ktdcered en tfw front of your sretanaM by dw rew aro[emrrn tloairtg date, but dtl rot do so for the Prevlot>a momh. Uryaid flrortce charges re added to the a ceGe aegnent of your Accartt. t c. klkrirrarrt Fiwtw ergs. For each billing period that your atxxxrx is subjeM to a Marc large, a mMknun total FIWaNCE CFN.RGE of X0.60 wig be Imposed. If the total flrortce dtarye resJtlrg from the appNCatlen of your pedodc rate(s) is less then J0.50, we vnll stbtrect that amain from the 10.50 mktimun and the dffarerrc will be tilled to the purdtase xgnant of your arxxxm. '~'d. Tenpaary Raduation n Fnanoa prarga. We reserve the '~tt to rot assess any or all finance darpes (or any given billing period 2. Avrapa Dairy Balanaa fMa Naw Prnohaaaa6 a. Hnance Uarge is calculated y mrlaplying the daily belartce of melt se(FneM of your accetnt (e.g., rash advartce, purdwx, spade) trarefer, and spade) purdasey by the cerresportdng dally pedals rate(s) tfat has been preNady dsdosed to ya,. At the end of mdr day darinngg the Nglrp period, we appY the daNy pedWC rate for melt segment M your secant to the daily bslarwe of m¢h segnent. Then et ate end of ttw NWrtg period, we add tp the rmrlu of thex delty W Watiore to aMve at your pedadc firortce darga for mM ae(~rerm. We add tp the rta[rlta frem melt xOneM to aMve at the teal pedodc firarrce large for your secant. To get the dagy belertce for each seQnertt of your eccant wa take the 6eQirvwrtg babnce for mtlt ae(FneM and add any rww troroectiere and any ppeedodc firarwe darga celalated m rite previous days balarce for tfat sagnm[. We t)tat aubtrect any peyrrtenta or cradta pasted as of tlwt day that are aNtwatad to that xgnant 7Ns gives is the separate daily belence fa eadt xgneM of yan atxxaau. However, If you paid the New Balartce shown m yran previaua statement in full (or if your new belarwe was zero or a credt emoutU, row tramaloro vfiidt post to your purdase or spedel pum}ax segments tiro not added to the daily belarwes. We ceiculate the average daily balance by addrp all the daily belarwea topetha and dvidrtg the sun by tfw ember of the days in the current bilirq ctde. To calaaate your total firortce dirge, mtaaply your averepe dagy belawe by tfw daily pedock rete ant by the rrmbar of days in the hilNrg period. Due to coaxing m e daily basis, there may be a sNgM valence between tHs celctlleaon Ord the emote[ of flrortce tlwrge attualy assessed. b. If the cafe Z or N eppmra on the front of tNs autement new w "Belertce Rate Aoolied To," we mulUdv da IrrPOrtarR Notice: Paymrrts you mail Io us will be credted to your accent es of the twsirmsa day we receive h, provided S1) you sad the bottom portlm of this natemart end your dwck in the erelmed remittance envelope end (2) your payment is received in our processing caner by 3 p.m. ET (12 noon PT). Please allow at Imat five (6) bumnem days for posul daNvery. Peymante received by ua at any otlrer locasm or m any other form may not be credtad as of the day wa receive tlwm. Our business days are Monday though Saturday, exdtrdrtg hdidaye. Please do cwt use sages, paper dips, etc. when preparing your payment. CapitalQ>~• what's in your wallet? EMILY E STUM MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE® Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. oso Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ®200b Capital One Services, Inc. Capita! Oru is a federally rtgittered service mark. All rights reserved 060-07754 r /NoHassle " REWARDS AccountSununary Previous Balance 51,332.28 Payments, Credits and .4djtut ments 5.00 Transactions 535.00 Finance Chazges 525.93 New Balance 51,39321 1•linimum.;hnount Lhic $193.21. Payment Due Date April 09, 2007 Total Credit Line 51,200 Total Available Credit 3.00 Credit Line for Cash 51,200 Available Credit for Cash 5.00 At your service To all Customer Relation or to report a lost or stolen nrd: 1-$77-534-6841 Send paymenu to: Smd inquiries to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 70884 P.O. Box 30285 Charlotty NC 28272-0884 SLC, UT 84130-0285 PLATINUM VISA ACCOUNT FEB 10 - MAR 06, 2007 4934-2224-9066-8657 Page 1 of 1 Payments, Credits and Adjustments Tratlsacrions 1 06 M.4R PAST DUE FEE 535.00 Youie behind bytn~o paymente. Lex's talk. If you're harzng financial difficultiesand can't make yotu minimum payment - we w ant to help. Let's work together rn find a ,nhnion tliat works best iLr you. Civr, us a call. at 1.R(10.955907i1. As of 03/06/07, your current No Hassle Rewazds balance is 5.00. Please note that rewazds information reported here may not reflect all purdtases on this statemen[ or recent redemptions. Simply go online to www.capixalone.cotn/cas}uewazdswheu you aze ready to redeem. Please note that your payment due date may have been temporazily changed this month. Please make any necessary adjttstments for sending in your payments to us. We apologia for any inconvenience and appreciate your business. You were assessed a pas[ due fee of 535.00 on 03/06/2007 because your minimum payment was not received by the due date of 03/06/2007. To avid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Fitlanee Charges Please see reverse side for important infarmatran Balaxn rats Prriodu Correspandixg ~1~~)~ ~spludto r~ AAPR Al( f° PURCHASES f527.44 .07712%D 28.]5% (10.17 CASH (817.23 .0771296D 28.15% SL5.76 ANNUAL PERCENTAGE RATE applied this period 28.1596 ~ PLEASE RETURN PORTION BELOW WITH PAYMENT ~ ~~~ 0000000 0 4934222490668657 06 1393210113000193214 New Balance 51,393.21 Minimum Amount Due 519321 Payment Lhse Date Apri109, 2007 Total enclosed E Account Number: 4934-2224-9066-8657 Capital One Bank P.o. Box 70884 IdnllluJtlnltlnl Charlotte, NC 28272-0884 I,tLlLtltttltll,ttlttldllttdttLLtLdtdlttl,tltdl,tdl Pl msprixt mai!'ng addrrua~ r-rxaifdnm;rr bel usingb! or b/ork rx.E Street Ape 9 City Stare ZIP Home Phone Alarnste PMne Fmvl Addrea ~_ #9006671589949299# MAIL ID NUMBER ~ EMILY E STUM ~ 1329 DOUBLING GAP RD NEWVILLE PA 17241-9758 ° ~ Imllltnlultltlttltulllrlnlutltltltlulutltlltlutltltl Pleare write your account numbn on your check or money miler made payable to Capital One Bank and mai/ in the enrlared envelope. b~i O O m ~ O mN perwdc rate. To obtain the average daily balance for the billing periai covered bV this statement, vve take the beymng belerxx of each segment each day, add any new iranxetlero l0 eaNt xgl[em, erd 8[blroCt any payment9 or credits. (If fire code N appears m the tram of this metemerd reM to 'Balartce Rate Applied To,' we elx aubtram any trpaid firorrce charge irxiuded in the balance of each aegrnom.l 7ha Yves re the daily balartce of each aegnem. TTren add up ail the dallyy balarKea tar each segment tar the tlYing period and dNde by the total norther of days b the billing period. This given us the average daily balartce of eetlt segment. 3. Amoral Prertapa Rate CAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR' m the front of this statement. b. If the coda P (Prime), L f3-mo. LIBOR), C (CertiTicete of DepoaiU, or S (Bankcard Prime) appears an the from of this stetamerrt next to the periodc retels), the riodc rstea and cerrespatdrp ANNUAL PERCENTAGE RATES may very tluanedy and may iroreax or decrease based an the stated indices, as toad kt Tha Well Stree7 Jounrel, plus the margin ppreviorrefly disdoaed to you. These tl~engea vAll be effaNve on the flrot day of your billing period covered bV Vour periodic stetemart endrq in the months January, April, JtaY eM October. c. If the code D (Prima), F (1-ma. LIBOR) or G 13-mo. LIBOR Reprked MontNy) eppppee the iron of your atatemem rext to the pedodca te(s), the pedodc rates and cerrespandirq ANNUAL PERCENTAGE (L4TE5 may vary momNY ant meV irereax or decreax based on the stated irdicea, as fornd in The Watl Street Joumel, pltts the margn PreNadY dedoxd to you. Thex changes will be effectlve on 1fw first day of your hillirq period earn month. 4. Apuurwt of Leh, Ovarimt and Ratlnrad Pgmrrt For. Your accent will be assessed ro more than tyro of the fees Ilstad here that occur during any filling period. Under the terms of your customer egreemam, wa reserve the right to waive er ret to saxes any fees vAthou[ prior rotlflcellot to you wthout waiNrq our right to assess the same or similar fees at a later time. S.tRrrwirg Yorr Aeeout. It a membership fee appears an the from of this atatemem, you have 30 days from the date 1Na statement was mailed to you to evdd paNrw the Tae or to have such tee credted to you if Vou cancel your accent. During this period, you may cmtirwe to use your accotrd without having to pay [he membershp tee. To cencd your accord, you must notify tra by calling our Customer Relations Department and pay yyour'New Balance' In fiat laxdudng the membareNp fee) prior to the end of the tNrty-day period. 6. If You Cbx Yarr Assent. You can regtraet to dox your eceaunt by calling our Cuatanar Rebtlare Department. Vou moat destroy your credit card(s) and a Door access dtecka, cancel all prearnhorized filling, end ceax uairre your secant. If yeu do cwt cancel preauthorized filling artartgementa, we will Consider receipt of a charge your auhorizadon to reopen our accent. Additionally, your eceam will cwt be Closed untll you pay all amounts you owe U9 indudirg: any traroadiare you have euhorized, finance durgea, peat due fees, overiimit tees, retuned payment fees, cash advance fees and any oher fees aaaemed to your accent. You are reapa~hle for Neae amanta wfwther they appear on your accent at the time you request to close the account or they are Incurred aub9equem m your request to dose the acceum. TNs may result in charges eppearirp on your accent aher you have your eocant if h has already been dosed. For example. if you etrtttorized a purtllex from a merdaent and vre receive the trertsacdan fran the merdlam after your acrnnt has been tlosed, your accent will be reopened, the anrard of the rYrerga will ba added to your secant, and you wiN be reaporuiMe for peymrxd. If them is a memberrip fee for your aocernt, fie fee will cerdraaa m be tlarm~add, to the eumm pematted by law, trill the eceant belartce has bean geld in NI ea deflred above. 7. Uaig Vou Aoaaaa.Vour card or accent cemot ba roal h cernactbn with any Internet gemNing vermobre. 8. Notlw Abort E]asborrio CMolt fkravarabn. Wlwn you proNde s dteck as payrrnra, you aurhorize us either [o isae information from your tlteck to make aorta-drre doctraric (tnd trerofer from your bank aceent a w process the payment es a heck traroacdm. When we the information tram yotr tlwck to make en ekrc[raic ftatd trerofer, hnda may be wMfdrawn fran your bars[ BGCOIr[t a9 900x1 991fw 9alnB day WB IBCBIVB your payment, and you will rot receive your check beck from your firendal ire[Itudan. eiWNG RIGHTS SUMMARY Iln Cex Oi Errors Or Oueailoro Abort Veur eilq If Vou think year rill {s wrong, or ii you need more iniormetlan on a « aroactlan er 6111, write to us m a separate sheet as soon as posaiNe at iM address for ingtiriea shown on the front of this statement. We roust hear iron you ro later than t30 dayyss after we sent you the first hill on witch fire error w Droblem appeared. Vou can call our Customer Rdatlaro number, but ddrq x will not rye your dyne. H you latter, give us the idbvarq nfortnadm: your rom0 and aCCOrr[t Mrfnber, the ddlar amotm of the auapacted eror, a description of the error and an npleretian, if poasitle, of orbyy you bdieve there is an error; or Ii you road more iniomtatlon, a descdptian of the Item you are uroure shoo. You do cwt have to pay any amount in queadm wtale we are Inveatigatlng It, but you re atlY abll9atetl to pay the pans of your bill Net are rot In quesllan. Wlile we Mveatlgeto your quesuan, we cares[ report you as delingtwrtt or take any actin to collect the amours you question. l,t Special RUe For Credt Card Purchases Ii you have a proNem vAN the tltre111V of Property or xMcea that you purtlwsed wiN a credt card end yeu have tried in good falN to wrred the problem with the merchant, you may have the riyn not to pay the remaiNng amornt due on the property or xMces. You have tNa protectlon as when the purchax ofix was more than 360.00 and the purchase was made in your home sure or wfthin 100 miles of your maginp addreae. Ili vile own or operate the mercham, or ii we mailed you tfw advertisement for the prapetty or xrvfces, all purrhasea ere covered reperdesa of amount of laraflon of purchax.) Reax remember 20 sign all cerrespardertce. t' Does not eppty to consumer ron-credit cant accounts 2 lhes rot eppty to busrness oar-credt! cab accounts Cepp'tat One spporta informatlon privacy protection: sea our vrebaite at www.captalone.cem. Capital One is a federally raagg~~stared service mark of Capital Orw Rronaal Corporation. WI ngms reserved. ° 2003 Capital One 07 LGLBAK 1. How To Avid A Fiunoa Charya, t a. trwa Priori. Vou will have a miriimun grace period of 25 days widtota flrorvx: dlerge on rew purdtasea, new balanco trorofero, new apedal purdwses and rew mbar drerges if you paV Vou total 'New Balance', in accordance with the Important Notice for poymom below, and in time for h to ba credited by your rew ste[emax dosirg date. Them is ro gace periai m cash edverxws and special trerefero. In adddon, ttwre is ro gace period any trareectian if you rb rot pay the [oral 'New balance b. Aaraag Faanaa OAarga. Trereadiau wNdr are not atbjrzt to a grace P°ri°d are assessed flrertce dwrge 1) from the date of the [reruectim or 2) fran the date the transaction is processed to yer Accent or 31 from the first retarder deV of the current billirt~ period. Adddaaelly, if you rid rot paV the 'New Balance from the previorn billirq period in fret, finance daeryas cerdrxre to acenre to you trtpaid balance utdl the repaid belarwe is paid in bal. TNa meare that you may atiY owe Tirorwe tltergea, even if Vou P°V the endre Naw Balance irtdcated on the frtxd of your stetemerd by [he rew atatrment tlosirq data, lea rid not do so for the prevlaaa month. Uryaaid flrortca daerges ere added w the e : e aegrnent of your Aocoutt. t c. MNnun Finanaa ce .For each filling period that your arrant is atb(ect [o a tkvutce tl[arge, a mlNmun total RNANCE CFflaRGE of SO.fiO will be Imposed. If the total flnarce dtarye reWdrq from the applkatlon of yw periodc rate(s) is leas tlan 50.50, we vnll siLtrect thatr amtxrn from Ute 30.60 mirvmun erd the dfferam will lw billed to the purdta a se~~ertt of~ your accent. t'd. Tarrprary Rarluotion h Fnanaa aurgs. We reserve the dptt to not: assess any or ell firance Wrges for any yven lira period. 2. Avrpa OWy 8alanw (Ywlud'rg Naw Ptrehasaal. a. Rnaroe clurge is calaiated bV mtltidNn9 iha daily belarsxf of each segmerd of your accara (e.p., rash adver[ce, purdax, apadel trarefer, and spetlel purtltax) by the cerreapordng dally pariafic rate(s) that has bean prevbrdy dsdosed to you. At the end of eadt dory during rite biifirq pariaf, we apply the daYy periodc ram for each segment of your ocean[ [o the deil~ balance of each ae(>ttrern. Then at the end of the NYrrg period, we add tp dor rosWU of these daily ralculatiaro to emye at your periodc finance dwrge for eadt aegnem. We adtl t{r the fe3rlt9 fran each aegnertt to amve at the total periodc firerwe dwrge for you accent. To get the daily balance for eatlt sogneni of yar eceent, we take the beyming balance for eatlt aegnent end add any rew trertsectlore and any periodic firertce dwrge calale[ed an the prevfazs days balance for Nat stgman[. We then abtroct any payments or cred[a posted es of that day that are allocated to that aegnent. TNa Yves us the aeperote tlelly balpaence IJew Belart~ce shownf m your proNars autemam~M full (orb if your rew balerxx: ores zero or a credt amanU, rew treroactioro vAtidr post to Vour purdwse or spedd purdwx x0nanta are cwt added to the daily balances. We ralelate the avarege daily balarwe by eddrq all Nor daily belerxrea togmlter and dvidrg the arrn by tlw rsmber of the days in the curratt Nllirg cytle. To calcubte your teal firerxx• daorge, rrxaddV Vou average defy bebrwe by the daily pedock rata end by the rvnber of days in the biling period. fhze to routdrq m a doily basis, there may be e slight variance bowean this calNetion and the amen of flrertce dtarge amuaYy assessed. b. If w [o ~Z oar N~aPPeAars~l~ttw h~t mf~sMs~ ant Irrpartaa Ntrdaa: Paymems you mail to ua will be credited to your accent as of the budreae day wa receive it, provided 11) you send the bottom portion of this statement and your check in the enclosed remittance envelope and (2) your payment is recatved in our processing oemer by 3 p.m. LT (12 rxwn PT). Please allow at leas[ five (5) busmasa days for postal delivery. Paymeme received by ua at any other location or rn any other form may cwt ba credited ae of Ilse day we receive Nam. Our business days are Monday through Saturday, excludng hdidays. Please do not use staples, paper dips, etc. wfian prepenng your payment. ~apitalQ~° NOT PAYING YOUR DEBT 500013 what's in your wallet? DOESN'T MAKE IT GO AWAY. In fad, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our tCe,~ check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement within 30 days to keep your account from being charged oN. O 2006 Capital Onr Srrvica, Inc. Capital One is a frdrrally rrgirtered rrroicr mark. AU rights rrtrrvrd. 500013-08503 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,614.13 - $0.00 + $39.23 + $35.00 $1,688.36 $488.36 Aug. 10, 2007 Jun. 16, 2007 -Jul. 16, 2007 Page 1 of 1 PLF/aSE MY AT MAST THIS AM°UNT Visa Platinum Account 4931.2224.9066-8657 t/NoHass~e Your Accountlnformation REWARDSREWARDS' TOTAL CREDIT LINE $1,200.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,200.00 AVAILABLE CREDIT FOR CASH $0.00 FlnanC@ Chdrge5 (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $738.16 0.07712% D 28.15% $17.65 Cash $902.69 0.07712% D 28.15% $21.58 ANNUAL PERCENTAGE RATE applied this period: 28.15% Your account is six payments behind. ff we charge off your account due to late payments, we will report the chargedoff status to several national credit bureaus, and the Purchase APR as reflected on this statement wia be applied to all your outstanding balances. Act now to prevent this from happeNng. Please pay the arnount due on your statement or give us a call at 1.800.955.6600, We'll work with you so you can take control of your account and start rebuilding your credit with Capital One. "Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an inaease in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fail to keep your account in goad standing, Capital One reserves the right to raise your APRs in the future. Rewards Summary Previous available balance: $0.00 Eamed this period: $0.00 (ra8eds transactions posted during this billing cyde) Available Balance: 50.00 At Your Service 1-800.955.7070 Payments Credits 8 Adjustments To call Customer Relations or to repod a lost or stolen card: ® Send payments to: TranSaCtIOnS Capital One Bank ~ P.O. Box 70884 ~ Charlotte, NC 28272-0864 1 10 JUL PAST DUE FEE $35.00 A Send inquiries to: Capital One ~ P,O. Box 30285 ~ Salt Lake Cky, UT 84130-0285 Q For more information on your Rewards: You were assessed a past due fee because our minimum a ment was not received b the due date. To avoid Visit: www.capitabne.comlwshrewards y p y y Call: t-600-228-3001 this fee in the future, we recommend that you allow al least 7 business days for your minimum payment to reach Capital One. 6056 506 1 07 15 070716 PAGE 1 of 1 O1DM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVJW.CAPITALONE.COM TO MAKE YOUR PAYMENT ON LINE 0 4934222490668657 15 1688360113000488368 GapitalQ~' whaYs in your wooer?' Account Number: 4934-2224-9066-8657 New Balance Minimum Payment Due Date $1,688.36 $488.36 Aug. 10, 2007 PLEASE PAV AT LEAST THIS AMOUNT Amount Enclosed , Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address Q #9019871589949290# MAIL ID NUMBER EMILY E STUn 1329 DOUBLING GAP RD NEIIVILLE. PA 37241-9758 Capital Ona Bank P.0- Box 70884 Irlrrlrrlrlrrlrlrrlrll Char lot to, NC 28272-0884 lulrllnlurlrllnrlnlrlllnrlulrlnlnlullrrlulnllrnll trrlllrrrlrrhlllrrlrrJlLlrrlrrrlrlrhlrrlrrrlrlLLrrlllr Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. EMILY E STUM 1. How to Avoid a Finance Charge. } a. Grace Period. Vou will have a minimum grace periotl 0125 days without finance charge on now purchases, new balance transfers, now apedal purchases antl new other charges Y you pay your tolal'New Balaroe', In accordance with the Important Notka fa payments Dakw, and In lima for It to be aedlled by your payment tlue data. There is ro grace pertod on rash advances antl spedal transfers. In addsion, [hare d ro grace perbd on any trensactbn If you do rot pay the total'New balance.' b. Accruing Finanp Charge. Transacdons which are not auhjecl to a grace period are aceesaed finance charge 1) from Me dale d Me transaction a 2) from Me date Me lrensection is processed to your Account or 3) from the firs) calendar day d the torten[ Dining period. Addalonaly, R you did nrx pay Ma `New Balance' from the prevloue billing period in full, finance charges continua to eccroa to your unpaid balance until Me unpaid balance is paid in full. This means Mat you may cull owe finance charyea, oven M you pay the enllre New Balance indicated on Me front of your statement by Me payment tlue date, but tlid rot do sc tar the prevous month. Urpald finance charges are added to the applicede segment of your Account. } c. Minimum Finanee Charge. For each Nltlrg period Mat your aaount k subject to a finance charge, a minimum total FINANCE CHARGE of 50.50 wYl be imposed. } tl. Temporary Reduction in Finanu Charge. We resnrw the right to no[ asa9ss any or all finance Charges fy any given dlYng period. 2. Avenge Dairy Babrtce (Including New Purchaeea). Finance charge is calculated by multiplying the tlaily balance of each segment d your account (e.g., cesh advance, purdtase, apedal transfer, end spacial purchase) by the wrrespondinp deity periodic rate(s) that has been previously disclosed to you. A[ the end of each day during Iha dlkng period, we aDWY Ma deny periodic rote /or each segment of your aaount W the daily belanm of each aegmanl. Than at the end of the filling period, we add up the results of these daily celculelions to erica at your periodic finance charge for each segment We add up M9 resuYs from each segment b artive et the total periodic Mence charge for your account. To get Me daily balance for each segment d your account, we lake the beginning balerica for each segment and atltl any new tran6eCfienS and any penodk finance charge calculated on the previous day's balance la Mat segment. We Man wbnad any peymeme or rzedka posted m d Met day that are atlocaled to Mel segment This gives us Me separate daily balance for each segment d your aaount. However, If you paid the Now Balance shown on your previous statement in fuY (a N your new balance was zero a e credit emountl, now Iran9aotions, which post to your purchase a special purchase segmanla are riot added to Iha dally helenCeS. Wn C81CUldle the average tldily balance by adding aY the daily haWnras together and dividing the sum by the number of the days in the cunenl billing cycle. To calculate your total finance charge, multiply your average deity balance by the daily periodic roM and by U+e number of days in the billirq periotl. W e to reuntling on a daily basis a due to minimum finance charge assessment, Mere may ba a variance between this cekulation and the amount of finance charge actually assessed. 3. Annual Percentage Rata (APR). a. 7ha tam+'Annual Percentage Rata" may appear as'APR' on d+e front d this statement. h. If Me cotle P (Ouanerty Prime). L (Wartarty LIBOR), C (Ouertarty CO), a S (Benkcerd Prime) appears on [he front of MIS statement neM [o the pedotlk role(sl. Me Dertodic rates end conecponding ANNUAL PERCENTAGE RATES may wry quanariy and may Incaaee a decease bated an Ma staled indices, as frond in The Wall Slreel Journal. plus Me margin previously disclosed b you. Thaw d+engs6 will M eRectlve an u+e first day of your Dlplrrg period catered by your pertodk statement ending in the monNa of January, April, Juty end October. a. If the code D (Monlhty Prime), F (Mmlhly LIBOR), err G (Treasury LIBOR) appears on dta front of your swtnment next to Me periodk rate(s), the periodic rates and mrtespontling ANNUAL PERCENTAGE RATES may vary monMly antl may inceese or decrease based an Me slated indices, as fauM In The Wall Street Journal, plus the margin preNOUSIy diedosad to you. These changes will be eReotlve on the first day of your billing period each monM. 4. Aasnsmsnt of Lale, OwHlmtt antl Retumatl Psymanl Foes. Under the terms al your customer agreemnnl, vro re69Ne the right b Wanr9 W not IO 856966 any 1098 Wllhppi prbrnotification myouwithout walvirp outright toassess the same a simileriees at a lalertime. } 5. Renewing Your Account If a membership fee appears on Iho front d your statamaM, you have 30 days from ate date Mis satement was mailed to You b avoid paying Me fee err la have such fee credited to you if you cancel your account without having to Dey the mertlbership fee. To cancel your account, you must notify us by rolling our Customer Relatlona Department end pay your•New Balance' In fuN (excluding Me membership fee) prior to the end of Ma thirty-day period. 6. If You CIOia Vour Account. Vou can request to dose your account by ceiling our Customer Relatbne Department. You must destroy your uedil card(s) aM erxnunt access riteda, Centel aY preauthonzed billing and cease using your account Ater your request to Dose, it you continue to Yansad or tlo not cancel preauthorized filling arcangements, we wgl cmadx ter 'pt d a rMarge your aulhortzatlon to keep your ccounl open. Additionagy your account will not ba closed until you pay all emounla you a ua including: any transactions you have auMorizad, finance charges, past tlue fees, overYmit teat, returned payment fees, cech advance fees and any other fees assessed io your account. Vou xe responsible far lheae amounts wtreMar 9+ay appear on your acallnl at the time yoe rogwsl 1o CWSb Ihtl aCWUnI W they are Inverted cubsequent to your request to dose the account. 7hie may renal! in dtargas appearing on your account after you have requested Me account to ba dosed. 7. Using Your Account Vour cerd or account cannot be used in connection with any Internet gambling Irensaclions. S. NaUce About Eladronk Check Convanion. When you provide a check as payment, you authorize us ekher to use inrormaticn from your check to make aono-lime electronic fund transfer tram your bank account a to process the paymdtt as 8 Check IrenSadien. When we USe information from your d+adc to make an electronic fund Irensler, funds may he withdrawn horn your bank account a5 soon as Me same day we receive your payment, and you will not receive your check back from your Mandel institution. BILLING RIGHTS SUMMARY (In Case of Eras or Duastiona about YOUr Bill) N you think your bill U wrong, or It you need more inf«mauon on a trensacDon or bill, write to us on a separate sheet as soon as possible at the address for inquiries shown on Ma front o(Mie ala[aman[. Wa must hear from you no later than 60 days altar we sent you the first hill on which the ertor or problem appeared. You can call our Customer Relatbna number, but doing so will not preserve your righk. In your letter, give us the following Inlormallon: your name antl account number, Mn ddlar amount of Me 9uepeclad ercor, a deacnptbn of the eror and an explenadan, If posalbk, of why you belfew there is an error; or if you eed m re infom+aliM, a descdplion or the item you ere unsure about Vou do not have to pay any amount b question while we are invas[Igallng it, but you are still obligated to pay the parts of your bill [hat are not In queston. While we invectigata your question, wa cannot report you es delirpuant or lake any action b coiled the amount you question. 2. } Spedal Rule for Credit Card Purchases If you have a problem wiM the qualXy of property or servkes Nat you purchased wiM a cedil cerd and you have Irietl in good faith to correct the problem wiM the merchant, you may have the right rid to pay Ma rrtmainhg amount due on the property err saMcea. You have iNS protectlon only when Ma purchase price was mare own 550.110 and Me purchase was made in your home state a wiNin 100 miles of your mailing atltlress. (If we own or operate the merchant, c if we mailed you the advertlsement (a Me progeny a services, all purrhasea are covered regardless of amount or location d purchase.) Please remember to sign all correspoNence. t boas not apply M consumer non-credR ceN accounts T Does cwt apply ro business non-aedlf card aanunla Capital One supports information pnvery protection: sea our webaite at wwy.'.caoltalone.com. Capital One k a fedenlty registered seMCe mark of Capital One Financial Corporation. Ap dghta reserved. ®2006 Capital One 01 DM6056 - t - 04H 0/07 Important Notka: Paymenk you coal to us wiY re credled b yow aaount as of IM Wairien day we receive It, provided (1) you send the bodan patbn d Mls statement and you duck In the antlosed remkunc9 envekpe and (2) your peYment is mmWed b our praesskg center by 7 P.m. ET (12 nom PT). Please abw at leas) five (5) business days M postal daiwry. Payments mceNed by ua al my other kx:atbn a h any dher from may not be credited u of Me day we receNe Ulan. Our buskwas days are Hockey Mmugh Saturday, axdud'ng hd'days. Please do trot use staples, paper dips, etc. wren preparFg your payment. v AI rD N r I o-ll cvzrm vWD-InzvD n v cnDmw3 7o 7cv~Am.~n < I ND DD ozz ggNH olnnmfmn <<cr Wxx v I <~ n r I { mo•••'~yw ~ m oDD r l Irv l O I o-In •I Z< I rDV Nrom r ~k ~Im1 Amc o•• vrDr•• ~ ~ 3 Z ~ •1 O Z 2 f v C v i 1 Z ~OHm N N ~n Z3 r W tnr-i •• A I zv oo c~ HDOO•• ~o z I rn 'z ~ D " mD • o I ,'O v COO o0 m voo rn I z ~ ~ ~+ v < ~ V ~ I m I -~ D .. a 0 I-~ I moN ° ~ c ov a oz n I 3 m O I o- oo v W rnvv v• ~k I D w { p w A iA O - in D f1 I ~ mz• ~o D cio••mo w v I N A DN H O -i I T Z ~ •~N D mA 3 ~ r I D f D1 -1 I 1 r3~T rZ Z Z 1 R I 3p 3 ~ r C o o lm R n m ~ ~ I N~ ~ {~ m m3 I m m Sn 3 V1 ~ S Z Z Z m•• T z I D fD C A m M ~ -~ V1 N S C ~~ 1 3 I 1 G •• O H I O I H I v •• n D o -I r m my < m I In zlv v fp~ m m I ~ 1 H Z V1 V ~p p I ~ O DHfAO H 1 Z O O -I N m 0 -1 3 1++• H OOW •• AOn H010 V1 I ooD •• ox-{wox NI•-~r O•• •• 1 ZN OT O O n N f N H I o ~~ \ m D in r z I i D D Z ~ vv i f 1£ 1~ - -I f I ~D10 mmD o o x ~ I mL i I~Tn D r•• 13ANm2Vf I D H••momv•• Z O < O •• GI ~ m V I ~ ~~ID D o D ~ I Z O 1 V RO T-I Ox T \ I I C.'a 1 r l m N 3 nv n • < m ~ Z o I w cr - N- l ~+O ••mOOr T V I C 00~v 1 to v+•• O OZ OOD H m ,'~ 1 oom •• o w W o 0 ~w N oN 1 0 NN o D F~1 NN c n" o~z ~+ I N o ° m \ ~D rn o o V Dn ., r I o~ I~ ~r vrn•• o om oon••HC~o c o I v o0o zmvlom~z ~ NN,U V10H I ~D0 00 OO C I \ A 7 p~ O L'I O D Z Ivv ~~~ ZT mD I oop < n zn cm - l 1 ~o ° ° ~n o ar•I Hz o I ~ z ° ° ~' ° z a ~ i o v i o o • • x v I Nv 00 T••rN•• o I Nz z D D A C T •• V V Ll I tD 3 H ."O m O W Z I rnm D v rnz zc n 1 0o n vl T .. rn I to m n ~ N w O Oo 1-+ in V n•• CO• A 1 o 0 x to D o r I 0 0 w p ~ N o o L '1 I m o v+ W N O 1 !b !b O O N O 2 O 0 0 0 0 0 N V N O r IN D O A tD I N O 0 O V N N IN 0 O V 0 r ~N I•T a ri rf x rf VFKIFICATION "Che undersigned does hereby verify subject to the penalties of 1 K Pa. C.S. §4904 relating to unsworn falsification to authorities, that he is an attonzey 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 Plaintiffs Verification cannot be obtained within the. time allowed f~~r 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. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C'.S. 4904 relating to uns~~~orn falsifications to authorities, that he/she is (NAME} of plaintiff herein, that (TITLE) (COMPANY) he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Amended Complaint are true and correct to the best of his/her knowledge, information and belief. (SIGNATURE) CERTIFICATE OF SERVICE A true and con•ect copy of the within Plaintiff s Amended Complaint has been served by IJ.S. 1Vlail, Postage Pre,-Paid, on ay of ~~?009 upon the following: Geoffrey Biringer, Esquire MIDPENN LEGAL SERVICES 401 E. Lolrther Street C;arlislc, PA 17013 I3v: ih~~ r i r .. T} I ~ ~ :-r n n~r ~ ._ ru: G,~~7 J~~ ~$ rail .?: ''~`:. c' ") r',; - loL,'i / , - , .. ,;~ -. ,.'.~iJ,,: y L,,, .~~,~;;~~ ~~