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Home My WebLink About09-4339-Our File No.: 177319 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire, Esq. Attorney I.D.#38423, 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CAPITAL ONE BANK (USA), N.A. c/o Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Plaintiff, VS. JOANNA L BALL 924 WOODRIDGE DR ENOLA, PA 17025-1545 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: ()q- N339 a-'VaTerm NOTICE You have been sued in court. If you wish to defend against the claims set forth in you must take action within twenty (20) days after this complaint and notice are served, appearance personally or by attorney and filing in writing with the court your defenses claims set forth against you. You are warned that if you fail to do so the case may proce following pages, entering a written objections to the without you and a judgment may be entered against you by the court without further notice fir any mo ey 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 F RTH 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. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 -Our File No.: 177319 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire, Esq. Attorney I.D.#38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CAPITAL ONE BANK (USA), N.A c/o Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Plaintiff, VS. JOANNA L BALL 924 WOODRIDGE DR ENOLA, PA 17025-1545 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: ?> 5- -1Y39 of t?: l T ZA1?•. CIVIL ACTION COMPLAINT FIRST COUNT I. Plaintiff is CAPITAL ONE BANK (USA), N.A. c/o Apothaker & Associates P.C., 520 Fellowship Road C306, Mount Laurel, NJ 08054. 2. Defendant(s) is/are JOANNA L BALL, an adult individual residing at 924 WOODRIDGE DR ENOLA, PA 17025-1545. 3. At the special instance and request of Defendant, Plaintiff, CAPITAL ONE BANK (USA), N.A., issued to Defendant(s), Account #5178052278426453. 4. Defendant received, accepted and used the account to its benefit. 5. This account is in default and Defendant(s) has an unpaid balance of $11,690.51. A true and correct copy of the total due and owing is attached hereto, made a part hereof and marked as Exhibit "A". 6. All credits, if any, to which Defendant(s) is entitled, have been applied to the account and are included in Exhibit "A". 7. Although demand has been made, Defendant(s) has failed to make! payment Of the amount due as above. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $11,690.51 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Enae in ebt Collection BY: Dated: 6/17/2009 David J. Our File No.: 177319 1 VERIFICATION , hereby states that I am for plaintiff in this roll IIIA' action, and that I am authorized to take this Verification, and that the statements mace in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unsworn falsification to authorities. DATE: T CAPITAL ONE BANK (USA), N.A. JOANNA L BALL 924 WOODRIDGE DR ENOLA, PA 17025-1545 STATEMENT OF ACCOUNT Debtor's Name: JOANNA L BALL Account Number: 5178052278426453 Balance Due: $11,690.51 Our File No.: 177319 EXHIBIT "A" `i) FILED pF THE F_, sNIC1 j,ARY 2009 JUN 26 Psi 2: 36 #rlg, 5o PO ATH W L W q33 0 aa.1a49 Sheriffs Office of Cumberland County R Thomas Kline Sheri ??tr of ?umbrr,? Ronny R Anderson ry? ?.? Chief Deputy ` Jody S Smith Civil Process Sergeant OP ME OF 'HE SHERIFF Edward L Schorpp Solicitor Capital One Bank (U.S.A.) N.A. Case Number vs. 2009-4339 Joanna L. Ball SHERIFF'S RETURN OF SERVICE 07/06/2009 08:53 PM - Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on July 6, 2009 at 2053 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Joanna L. Ball, by making known unto herself personally, defendant at 924 Woodridge Drive Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $41.50 July 07, 2009 SO ANSWERS, R THOMAS KLINE, SHERIFF Deput;f Sheriff b 7 1 ? W Archer & Archer, P.C. By: Thomas A. Archer, Esquire 2515 North Front Street P.O. Box 5056 Harrisburg, PA 17110 717-233-8676 CAPITAL ONE BANK (USA), N.A.: IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, Plaintiff, PENNSYLVANIA V. DOCKET NO.: 09-4339-Civil Term JOANNA L. BALL, JURY TRIAL DEMANDED Defendant. DEFENDANT'S PRELIMINARY OBJECTIONS IN THE FORM OF A MOTION TO STRIKE PLAINTIFF'S COMPLAINT UNDER Pa.R.C.P. 1019 AND 1028 AND NOW, the Defendant, Joanna L. Ball, by and through her attorney, Archer & Archer, P.C., brings Preliminary Objections to Plaintiff's Complaint, and in support thereof, avers as follows: 1. On or about June 26, 2009, the Plaintiff filed against the Defendant, and before this Honorable Court, a Complaint in the above-captioned term and number. Plaintiff's Complaint is attached hereto and incorporated by referenced as Exhibit "A." 2. Defendant hereby raises Preliminary Objections to the Plaintiff's Complaint, as follows: 1. Preliminary Objection in the form of a Motion to Strike raising the failure of Plaintiffs' Complaint to conform to law or rule of court under Pa.R.C.P. 1028(a)(2). For reasons as set forth below, the Plaintiffs' Complaint fails to conform to law or rule of court under Pa. R. C. P. 1028(a) (2). 1 a. Under Pa.R.C.P. 1028(a)(2), Preliminary Objections may be filed by any party, to any pleading, on the grounds that said pleading fails to conform to the law or a rule of court. b. Under Pa.R.C.P. 1019 (i) When any claim or defense is based upon a writing, the pleader shall attach a copy of the writing, or the material part thereof, c. In Paragraph 3 of the Plaintiff's Complaint it avers that, "At the special instance and request of Defendant, Plaintiff, CAPITAL ONE BANK (USA), N.A., issued to Defendants(s), Account #5178052278426453." Plaintiff has failed to attach a copy, or any material part of, any Agreement between Defendant and Plaintiff creating any such account. The Plaintiff has further failed to attach a copy of, or any material part of, any Agreement designating Apothaker & Associates, P.C. as the assignee and successor in interest of said account allegedly held by Capital One Bank (USA), N.A. d. In Paragraph 4 of the Plaintiff's Complaint it avers that, "Defendant received, accepted, and used the account to its benefit." Again, Plaintiff has failed to attach a copy, or the material part of, any documentary evidence that the Defendant "received, accepted, and/or used" the account to her benefit. WHEREFORE, the Defendant respectfully requests that the Plaintiff's Complaint in this matter be amended, stricken, or dismissed. II. Preliminary Objection raising the insufficient specificity of the Defendant's Pleading (Preliminary Objections) under Pa.R.C.P. 1028(a)(3). For reasons as set forth below, the Defendant's Complaint lacks sufficient specificity to ensure the Plaintiff's 2 right and ability to answer and defend the same will not be unduly impaired by the vagueness thereof a. In Paragraph 4 of the Plaintiff's Complaint it avers that, "Defendant received, accepted, and used the account to its benefit." The Plaintiff has failed to specifically plead the time, place, and specific averments of damages which have allegedly arisen as a result of Defendant's alleged use of the aforesaid account. WHEREFORE, the Defendant respectfully request that the Plaintiff's Complaint in this matter be amended, stricken, or dismissed. Dated: July 24, 2009 By: Thomas A. Archer, Esquire PA Attorney ID # 73293 2515 North Front Street P.O. Box 5056 Harrisburg, PA 17110-0056 717.233.8676 Attorney for Defendant 3 Our File No.: 177319 . APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothsker, Esquke, q. Attomay I.D.08423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Axtornuys for Plaintiff CAPITAL ONE HAND (USA), N.A. c /b Apodiaker & Associates, P.C. $20 Fellowship Road C306 Mount Laurel, NJ 08054 Plaintiff, v's. JOANNA L BAIL 924 WOODRIDGE DR ENOLA, PA 17025-1545 Defendant. VC 1A COURT OF COMMON FLEAS CUMBERLAND COUNTY NO.: CR - a&' awil- im You have bow 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 eaoaring a wr*m appearance personally or by attorney and filing in writing with the court your definses or objections to the ckd= 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 plafaatiff 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, 00 TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL H UY. IF YOU CANNOT AFFORD TO HIRE A. LAWYER, TWS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 "WE W.-PY FROM RE00RU In Twom0tt?hetw, l 00re unto W my told Of std cau at care, Pa. A7-A7-PMRq Sq:44 0Pr.HFP ANn APr.HPP PC' 717P-ViRF,7.ri PA'F1 Our File No.: 177319 . APOTHAKER. & ASSOCIATES, P.C. BY: David J. Apotb*w, Esquire, Esq. Attorney I.D.08423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (SM)-672.0215 Attorneys for PlaiDdff CAPITAL ONE BANK (USA), N.A. e% Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Pialatiff, VS. JOANNA L BALL 924 WOODRIDGE DR ENOLA, PA 17025-1545 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: CIVIL ACTION COMPLAINT F RST COUNT 1. Plaintiff is CAPITAL ONE BANK ('USA), N.A. c/o Apothaker & Associates, P.C., 520 Fellowship Road C306, Mount Laurel, NJ 08054. 2. Defendant(s) istam JOANNA L BALL, an adult individual residing at 924 WOODRIDC'E DR ENOLA, PA 17025-1545. 3. At the special instance and request of Defendant, Plaintiff, CAPITAL ONE BANK (USA), N.A., issued to Defcndant(s), Account #5178052278426453. 4. Dehadant n eeived, accepted and used the account to its benefit. 5. This accowt is in default and Defodant(s) has an unpaid balance of $11,690.51. A true andvonseet copy of the total due and owing is attached hereto, made a part hereof and marked as Exhibit "A". 6. All credits, if any, to which Defendant(s) is entitled, have been apPliod to the avoount and are included in Exhibit "A". 7. Although demand has been made, Defendant(s) has failed to make payment of the anwunt due as above. 07-07-PA09 09:45 ARCHER AND ARCHER PC 7172338675 PAGE2 REFORM, Plaintiff demands judg?mt in favor of plaintiff and against Defendant(s) for the sum of ea $11,690.51 and requests this Court award costs to the extoat pmnittod by applicable law. APOTHAKER & ASSOCIATES, P.C. Attorney for Writiff A Law REM Fn Collection BY: Dewd: 6/1712009 Our File No.: 177319 David I 07-07-2009 09:45 ARCHER AND ARCHER PC 7172338675 PAGE3 . hereby states that I am fbr plaintiff in ibis action, and that I am authorized to tab this Ver &.ado% axed that the state mass made in the fmWWg Civil Action Complaint are true and correct to the beat of my lmowledge, iafrmat3on, mW belief. no undarsigncd understands *at the otemcats dmofa aro nu& subject to to penalties of 18 Pa.C.S.A. 4904 ralsting to umwm falsification to audmxitW. DATE: 07-07-2009 09:45 ARCHER AND ARCHER RC 717233SG75 RAGE4 --- -- ---- -- -- r CAPITAL ONE BANK (USA), N.A. JOANNA L BALL 924 WOODRME DR ENOLA, PA 17025-1545 STATEMENT OF ACCOUNT Debtor's Name: JOANNA L BALL Account Number: 5178052278426453 Balance Due: $11,690.51 Our File No.: 177319 EXHIBIT "A" 07-07-2009 09:45 ARCHER AND ARCHER PC 7172338675 PACE5 i. 177319 , • Request for Service R. Thomas Kline Sheriff Cumberland County Office of the Sheriff One Courthouse Square Carlisle, PA 17013 Ph: 717.240.6390 Fx: 717-240-6397 Plaintiffs: CourtNumber: CAPITAL ONE BANK (USA), N.A. Expiration Date: Typo of Action: Civil Action Defendants: JOANNA L BALL Serve Upon: JOANNA L BALL Address for Service: 924 WOODRIDGE DR ENOLA, PA 17025-1545 Alternate Address for Service: Type of Service: ( ) Personal (X) Adult in Charge ( ) Deputize (} Certified Mail () Posting Special Service Instructions: ** If service is to be made by deputized service to another county please specify which county Filing Attorney Infornnation: Name: Apothaker & Associates, P.C. Address: 520 Fellowship Road 0306 Mount Laurel, NY 03054 Tcl hone: 215-634-8920 07-07-2009 09:45 ARCHER AND ARCHER PC 7172338675 TOTAL P.06 PRGE6 VERIFICATION I, Thomas A. Archer, Esquire, hereby verify that the statements made in Defendant's Preliminary Objections in the Form of a Motion to Strike Plaintiff s Complaint, are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Date: July 24, 2009 / Thomas A. Archer, Esquire CERTIFICATE OF SERVICE I, Jessica R. Porter, Paralegal, hereby certify that on the date set forth below I served a true and correct copy of the foregoing Defendant's Preliminary Objections in the Form of a Motion to Strike Plaintiffs Complaint, upon the person(s) stated below, via U.S. First Class Mail, addressed as follows: David J. Apothaker, Esquire Apothaker & Associates, P.C. 520 Fellowship Road, C306 Mount Laurel, NJ 08054 Attorney for Plaintiff Date: July 24, 2009 f? . TzIn 0 Jessica R. Porter, Paralegal Rl 1 !` OF THE, J _ 2 7 i'i'i I, 0 Our File No.: 177319 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.#55140 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CAPITAL ONE BANK (USA), N.A. c/o Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Plaintiff, VS. JOANNA L BALL 924 WOODRIDGE DR ENOLA, PA 17025-1545 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 09-4339 NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER 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. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 Our File No.: 177319 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.#55140 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CAPITAL ONE BANK (USA), N.A. c/o Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Plaintiff, VS. JOANNA L BALL 924 WOODRIDGE DR ENOLA, PA 17025-1545 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 09-4339 AMENDED COMPLAINT FIRST COUNT 1. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a company with its principal place of business located at 100 East Shore Drive, Glen Allen, VA 23059. 2. Defendant is JOANNA L BALL, an adult individual residing at 924 WOODRIDGE DR ENOLA, PA 17025-1545. 3. Defendant applied for and received a credit card from Capital One Bank (USA), N.A. account number 5178052278426453. 4. Defendant used the credit card, account number 5178052278426453, and as of July 13, 2009 there was an outstanding balance due and owing in the amount of $11,742.94. 5. Attached hereto as Exhibit "A" are the Statements. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $11,742.94 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collectioi B Dated: 8/14/2009 Kimbe?ly F/Scian, Esquire Our File No.: 177319 VERIFICATION Kimberly F. Scian, Esquire hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unworn falsification to authorities. d?-? Attorney F,Scian, Esquire DATE: 8/14/2009 Our File No.: 177319 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.#55140 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CAPITAL ONE BANK (USA), N.A. Plaintiff, VS. JOANNA L BALL Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 09-4339 CERTIFICATION OF SERVICE I, Kimberly F. Scian, Esquire, attorney for Plaintiff, certify that on 8/14/2009, I mailed a copy of the Amended Complaint by Regular mail to THOMAS A ARCHER, ESQUIRE 2515 NORTH FRONT STREET PO BOX 5056 HARRISBURG, PA 17110 /F. Scian, Esquire for Plaintiff Date: 8/14/2009 Our File No.: 177319 OF TH"r. -3T DNOTARY r, 2009 AUG 21 PSI 1: 02 -IJUNTY peoplepu online u A better way to Internet. Sixf up to • 5x faster?4tm 0 FREE Accele for Me Fist 12mont6st-a 1-888-587-9669 Mention Offer Code: COIN Visit www.peoplepc.com/go/Coin UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by 3ymarntec- ALL ® Pop-Up BlockerTI Spam Controls .1p <% Smarter Smart Dialer Technology ® c1 More Email Addresses Agp * Internet Call Waiting CapitaloWis Account S Previous Balance $41.69 Payments, Credits and Adjustments $41.69 Transactions $.00 Finance Charges $.00 New Balance $0.00 Minimum Amount Due $.00 Payment Due Date December 23, 2003 Total Credit Line $5,000 Total Available Credit $5,000.00 Credit Lane for Cash $1,000 Available Credit for Cash $1,000.00 At your service To all Customer Relations or w report aloe or stolen card: 1-800-903-3637 For flee online account service and special customer offers, log on to www.wpitxlonecom Send payments to: Send inquiries to Attn: Remittance Promsing Capital One Services Capital one se vices P.O. Box 85147 P.O. Bas 85015 Richmond, VA 23276 Richmond, VA 23285-5015 PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 OCT 24 - NOV 23, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 01 NOV ELECTRONIC PAYMENT $41.69- As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps your 2003 charges Please call 1-877-412-3311 before December 12, 2003, to reserve your copy. All orders will be processed between January 15 and February 29, 2004. Finance Charges Pluueseereverse s ide fa r sn imfortantt fomr awnn r r j ? ? e d m cesr g n Bd d "- `fPR CHARGE PURCHASES $.00 .04082% 14.90% $.00 CASH SAO .04062% 14.%% 5.00 ANNUAL PERCENTAGE RATE applied this period 0,00% PLEASE RETURN PORTION BELOW WITH PAYMENT. Q-111131"O 6` 0000000 0 5178052278426453 23 0000000041690000009 New Balance $0,00 Minimum Amount Due $AO Payment Due Date December 23, 2003 Total enclosed $ Account Number. 5178-0522-7842-6453 greet Apt! City sate ZIP Home Phone Alttmate Phone #9032713561148553# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 ???suss??tt?t?n?tsn?) n 924 WOODRIDGE DRIVE Richmond, VA 23276 m ENOLA PA 17025-1545 L?LLtILn611tn611?JIntIltnllu?IluJIutlLulltt.l Please write yew a nt number ors yew chak or money order madepTwNeto Capital One Bank and xxt in the enclosed a [v Oe. r P Pt@Pcra online 924 W0111 eGE DPAfbetter way to Internet. ENOLA PA 17025-1545 UNLIMITED INTERNET ACCESS Un- 1-888-587-9669 RU W Mention Offer Code: COIN Visit www.peoplepc.corn/go/coin PwprPC B solely responsible for this o6er, and is riot affiliated with Capital One. Capital One does not provide, endorse a guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity, All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'Peop[ePC Online: First 3 months are billed at $4.97 per month; $9.95 per month thereafter Offer available to new dial-up subscribers at least 18 years of age and may not be redea ed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. tAccarranr is free for 12 months. Offer good for limited time. After the Ted 12 months, the Accelerated service will automatically revert to the standard Pe0P1ePC Online service. Offer subject to change at anytime. With Peopli Online Accelerated, certain NNb page text and graphics wit bad faster when compared to standard dial-up Internet service. Actual results may very. PeoplePC Online Accelerated is only compatible with PeoplePC Online Internet service and specified WmdM9 browsers. PetplaPC Online Accelerated is not compatible with Windowsa 95 with IE 5.5 SP2. Service riot mailable in all areas. Access fern, taxes, and other fees and restrictions may apply Telephone toll charges may apply, even during trial pedode. You are responsible for determining whether a call to cre of our access numbers will result in telephone tell charges. Access may be limited, especially during tines of peak usage. Dial-up numbers may be changed at PeoplePC's dirzaion. Continuous use subject to timeout pmwdures. AN use is subject to Peopi Ondnek Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2005 PeoplePC Inc. All Ruts Reserved. Peopi Online and its logos are trademarks of PeoplePC In the U.S. and other countries. 0 2005 Capital One Services. Inc, Capital One is a federally registered service made AN rights reserved. 8 N (0? y N T a. (rasa Parted. You win have a mkwnun grace period of btlar days without firneri iance chants, uMw?en and new, other tra r adxrsfsYou MN ey the l "w WYr ems blow, Your lotal and n One for k tobe crsdted by your neck mumem coig data. There Is no grace period on cash advances and +Pecial nansmrs, In addition, there Is ns lit, period on any t!areactlsn if you do nut pay the total New DaleF... b. Asexual Firers Chags. Tra ea ctio a viich ere not subject to ote o? the period a transaction OF 2) fro tie data the trom the date transamon le processed m your Account or 3) from the first calendar day of the uumm biWg period. Additionally, if__?youu old not pay the 'New Balance' from the previous denq period in h/, Iran charges caNm» to accns to jar upaid balance uN11he unpaid balance is paid in full. NF means that you maYy sda owe finance charges, even if you pay the Faire New BNwce kmdicated on the firm of your staonent by the next statement closing date, but old riot do so for the previous moth. Urpeid firhewa danger are added m tae applcabie aegnet of your Ahxwurt. t c. account 1. rauCDjlehacptw ra sach b-^e poled the[ total RNANCECWIAGE of *- merge, a mnhnurn 00. 60 posed. If the toW firurce chase re? from the avpoldl e?raM thnr +mound fro athe $$0ees.50 min man and the dffeoace will be baled to is purchase, segment of your accent. t d Temporary Reduetlee In Fir a Charge. We reserve the riot to not seams any or all Lent charges for any given 2. A biyrpsn pert B?. fYWell New P.I.I. a. Fi anceoWcharge Is calculated by ros"i the deny balance of each segment of your account (e.g., each advance, purchase, special transfer, and special purchase) by the corresponding daily periodic ratsla) that has been previously disclosed to you At the end of each day durkp the hamg period, we apply the dally periodic rate for Baca segment of your aced" to the deltyy belanhce of cach segment. Then at " and of the bg graded, vs add up the results of base dry calplatlone to arrive in your Pedodc Lamm ch . #or each segment. We =the the reuulu iron each segment to all at the total path ?Lha?eh segment for of so=". To get the doeebaalarce for each segment and add account, worwryhY?v yoNaw? balance f and any ppeeriodic Ararce charge calculated pis the previous days balance for tut setlmemt. We tun subtract wry payments or credits posted - of tut day that are .Hated to that segment. This gives us the separate deny balance for each segment of yea account. However, if you pyd ther Nave Balance shown on jar previous satemen in fir b If your new balance, was zero or a credit amount), new transactions welch post to your purchase or special purchase segnero are rut added to the deny balances. We Micas :=age dWry b=ane by sddrg dl the daily helarhms te9elher and dMdrg the stn by the number of the days In the ,>aram bllkg cycle. To calculate your total finance, surge, m ldply yea average daily hatsrhce by the deny pedodc rate and by the number of days in der Wlling F. to mundlint; on a daily basis, them may be . alight -d- bet this calculalon and the moon of I- ch. ecuely aeseseed. b. R the code Z or N appeen onto from of this "amen nee to 'Balance Rate Applied To,' vve multiply the a daily balarxs of each istament Nov mpdi _ 3877 trameemkins to each segment, and subtract te lea d the, code N to lanoo peRace ar A-pq the front this staattract any unpaid lea eve charge iwirrdsd It the b kn of each sepnem_) This gives u the daisy balance of eat aopnenc ilwn, we add tp an the deny balances for eac segment for the bnMg parted and dNda by the met number of delay do" in the of bnlreach q paatagrd.? This gives m the Annal wage Rates TAPIR. a. The tom 'Annual Percentage Rate' may appear as APR' on the front of this statement b. If the code P grrime), L p-rno. LIBOR), C (Certificate of Deposit, a S (Bankcard Pins) appears on the from of tltk aatenrht new to the periodic rate(.), the parlodc rase and corraeporh4rq ANNUAL PERCENTAGE RATES may very 9k®roalY wet may inaea.e or decrewe based on the steed ihdoes, as, food In The Way Sneer ?owr*, plus the mnrgn previoaly disclosed to you. These cThahpes will bee m the first day of your Your Wperiodic Oc an.ft adrg the morshe ry, April c. If the code D (Prins), F (tyrro. BOIg a G p-mo. LIBOR Repriced MusHy) a{pesna on tea sat of your aatemwt nod m de_ peMdc ra_[efsY, the pedodc mum the margin previously disclosed to you These changes win be ofectlve on the first day of you harp period esclh mans. a. As, wit of Lat., Oveamelt and Retuned Payuead Foes. Your account WIN be aesessed no more than two of the fees mad here that scar dung any dung period. Under the terms of your customer agreement, ves reserve the right to waive OF net to assese any fees vAdre prior rhodication to vvit ou waivbg our rigt to assess the same or similar a a War tae. 5. Your Aaeout. If a membership foe ppears on the fret of Wa ststenat, you haw 30 days from the daft this statement weer maned to you to avoid paying the fee or to have such fee credited to you Ii you "nod your aeeont Dump tis period, you may contitne to use your account Without having to pay the memberalip tee. To canto your amount you mast notify us by call our Customer Palates Department and pay your Now Balance' In full (exdusdirg the membership fee) pits to the end of tre thirtyday, period. 6. M You Close Your Amount You camp request to deae yyoeunrr eccart by caRng our Qutamur Relations DRaramen. Vou must destroy your credit card(s) and acmes access ducks, cancel an preauff. d bfllirg, and mesa using your etoout. f you do not %rcel preaudhoized bang amargwnents, we win consider receipt of a charge your authorization to uoqbedad n your amount. Adddonift your accent will not urn you hay all amours you owe us Including: arry trasacdore you haw authorized, tnwce charges, pest due fees, ovedimh fees, retuned payment: fees, cash advance fees and any Other fees assessed to yea accont.You are respis his for these amounts vACrher they appear - your accent at the time you request to close fie accent or they are Incurred sWseghant to Your request m dose the accent. Thin nay result in rlaryes apPEB- - your account aria you haw your •Ccount if IF has already been closed For example, ri you eulMdzed a purcees from a martian and vve rutreive the trerewnion karrm the merchant after your account has been tlosi your account vial be reopened, the amount of the arQ??wi be added to you a-.. and you will be ree?porrrgs for psymart. If Here is a membership fes for your secant, the fee vAll daldr e to be dareed, m the eclat pertilitard by la W, uan the accent D rice hss been paid In fu as defined above. 7. Gip Your Aosant.yw mid or apart cannot be used In connection with any ntemet gambling eraenxlaw. 8. N.U. About Ekd to Chssk Cwwasbm, When you provide check payment, you authorize us eider to use your check to make a one -t)ma electronic fund transfer from your bank accent or to promise the payment ae a chock trwhesctlon When m use nkmnation from you check to nuke an electronic fund transfer, rude may be w4dtkavah from your bank account as soon as the same day we receive your payment, wd you win not raceiw your check back from you firetial ardmtim. BILLING RIGHTS SUMMARY (n Case Of Emors Or Questions Abaco Your BID If you tNnk your loaf b morg, or If yes need mss 1. don -1 trarhesctlah a bill, wrke to - - a separate sheet as soon as possible a the address for ireh}lrles shown on to from of the, a+temws. We must trios from you m ster than 80 days after vie men you the first bill on which de error OF problem appeared. You can call our Customer Relied" amber, but dip so will not pprreesaeerv?vee your rights. in you letter, give us the fclovArg infomaden: your nerve and arrant amber, the dollar a rout of the suspected ear, a ;ii; don of the eve and an e>plarotion, R possible, of why you below there is an emr, a N you red more infomehon, a dsacription of the From you am unsure about. You do ron haw to pay any enhouht in asetbn wlJe ws era inveaigetiq k, bur you are ss7 ohlfppaaptsedd m pay the penis of your brit that ere not n questtoih.lNNb wen your q.sstlon, we carrhot report you es u e or to any ec[lorh to collect the smart you question, tlon t,t Special Rue For Credit Card Purchases If you haw a problem with the quslky of property or services that you pursued wh h a credit card and you haw tried In good takh to wmect the problem with the merehrt, you my haw the right not to pay the rsnnsiiing W-" due OFF the rty a servicsis. You haw this PProtection and only the wpurchase hen was; purchase pdm In ?s more then wlWn 100 mks of your home sots a the ms yew ?g aged you we ova or operate merchant, if tFair y maned u the advettlsanem for the property a services, en pia h.. am covered ragartfiew o tarn a krcaton of f purchase.) Pkaes remanber m sigh an wrraeporhdohm. t Ooes nor apply to tmsunra ran-credit coy xeormrs t Does nor apply to em iti non- rev card ec is Capital Ow supports mutation privacy protection: sea our weivske, at www. tact. Capital Ors Is a federally registered service mark of Capital PIte Oneal Corporation All "is reserved o 2003 BAK Irrpatat Ni Your pay." will be credted m uti amour as of the data vve receive It, provided you sad the bottom port of tit aaement and your cock In the ehcfosed emmanca onvelope, and yes peyrmhat b r=ived g wr pnvwwing mtn by 3 p.m. Payments addremad m or Vb¢n a Goorgk ptsceadrg miner trio be received m a budrwsa day by 3:00 p.m. Er. Psion". aldnessd to our WaasFg[en promising Dater must be retied on a business day by 3:00 p.m. PT. Please allow a kart the (5) business day. for postal delivery. Payments removed by us at try miter location err In aedw form may not be credited the same day v receive them. Our busiest days are Malay through Saturday, excluding holidays. Please do not use staples, paper cape, inc. twhit preparing your payment. P'peoplepc- online u A better way to Internet. I Surf to $IW7 , 5z faster.Wh FREE Accelerator for Me fist 12 morlthst-a SM value! 5 27842 1-888-587-9669 Mention Offer Code: DIAMOND Or visit www.peoplepe.com/go/diamond UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by symantec- ® Pop-Up BlockerT11 `?j Spam Controls ® 4 Smarter Smart Dialer Technology ,ap Z4 ?' f=4 pMes ® (f NCiit At-U0lZWWfig Capita/Qw° Account S Previous Balance $.00 Payments, Credits and Adjustments $.00 Transactions $39,00 Finance Charges $.00 New Balance $39.00 Minimum Amount Due $15.00 Payment Due Daze February 23, 2004 Total Credit Line $5,000 Total Available Credit $4,961.00 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 At your service To all Customer Rdatious or to report a lost or stolm card. 1-800-903-3637 For feee online a-,,at service and speaal .tom. offers, log on to: -.cgmdone.com Send payments to: Smd inquiries to.. Attn: Remittance Proemsiag Capital One swine Capital One Swiees P.O. Bas 85147 P.O. Bas 85015 Richmond, VA 23276 Ri4unond,VA252&5-5015 PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 DEC 24, 2003 - JAN 23, 2004 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 23 JAN CAPITAL ONE MEMBER FEE $39.00 Fluance Charges Pkare ree revare ridefor important information sah Periods Conespo ", a ff dto ? R GE PURCHASES 5.00 .04082% 14.90% S.00 CASH 5.00 .04082% 14.90% S.00 ANNUAL PERCENTAGE RATE applied this period 0.00% PLEASE RETURN PORTION BELOW WITH PAYMENT. C`aphWo f3` 0000000 0 5178052278426453 23 0039000041690015007 New Balance $39.00 Minimum Amount Due $15.00 Payment Due Date February 23, 2004 Total enclosed $ Account Number: 5178-0522-7842-6453 Plrar.p-emargaddc ®a?remarrdmarrlloe,rcriatW_-bt k k. ft- Apt i Cary Snte ZIP Mine Foona Alm - Phone #9002413561148556# MAIL ID NUMBER Capital One Bank ° C JOANNA L BALL P.O. Box 85147 924 WOODRIDGE DRIVE Richmond, VA 23276 ENOLA PA 17025-1545 I lull 1 n 11 1111 1 1?w?n??u??un??nu??nn??un??ur??un??nn? ° lm 11 Please -tryour accent number on your chak or money order madepe ble to Capital One Bank acrd mail in the esdored enmelope. r peoplepc- online ? A better way to Internet. UNLIMITED INTERNET ACCESS 1-888-587-9669 Mention Offer Code: DIAMOND a . Or visit www.peoplepc.com/go/diamond PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by pre respective andy. AN rights reserved, By responding to this oBer, you may be communicating irfomation wout yourself to the company that provides this product - for example, that you are a Capital One customer. 'Peo*PC Online: Fast 3 months are bled at $4.97 per month; $9.95 per month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. tAccelemor is bee for 12 months. Offer good for limited the. Aber the fast 12 months, the Accelerated service will automatically revert to the standard PwplePC Online service. Offer subject to lunge at any8me. With Peoplepc Online Accelerated, certain Web page text and graphics will load faster when compared to standard dial-up Internet service. Actual results may vary. Peo*PC Online A.aderated is only compatible with PeopePC Online htemetserrice and specified Wsdows® browsers. PeoplePC Online Accelerated is not compatible with Wndows® 95 with IE 5.5 SP2. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone tall dirges may apply, even doing trial periods. You are responsible for detemining whether a cal to one of our access numbers will result in telephone td charges, Access may be Intiled, especially doing times of peak usage. Dial-up numbers may be changed at PaoplaPCa discretion. Continuous use subject to fimeol proeadurm AN use is subject to PeoplePC Onlln6 Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. O 2006 PeoplePC Inc. Al Rights Reserved PeoplePC Online and its logos am trademarks of PeopePC in the U.S. and other cou rim 0 2006 Coital One Services, Inc. Capital One is a federally registered service mark. NI rights reserved. minimum n Immelem, new, special oumMees am new -otter r if pay your total 'Flew {Nance', in *no for It to be credited by your next t Once, Important Notice for psymerris below, data. There N no grace pedud w cash advaco ndal trrrfom. In addton, there is no iLf;thawpalod trroactlon If you do not pay the total b. Awrvitg Fiats Barge. Transactions which era not abject to a grace period are aswmaed In- daryha 1) Tram rte date of the tratasctlon w 2) iron the Nte the trara atim is processed to your Account or 3) from the first calendar day of the ourrerd Ming period, Addifionaly, if oouu did not pay the 'Now Bela;: (rare to previous bQ Period In full, 1. charges GrrhtfMe to awns to you meaunpaid ns than balance until the lipid belroe is paid in full. IN.. you may will owe fit noo durgea, even if you pay the entire Now Balance indicated on to from w your statement by the next statrrern closing dale, but did not do so for the pro eatre momh Unpaid finance charges aro added to to t G Mihirem FhreseFor ssM zPeriod tat M te not assess any or all finance charges for any given to each w9not and subtract an total erne purge resltir horn the a cation of r periodic rate(s) is lea than 50.60, we I subtract that amount from the 110.60 minimum and the differwtce will be billed to the purdmsae?, of?your attwnt. td Trrperay Rtlsilan in F. ararga. We reserve the w credits. (if ftrowOf am frogment a" day, am my norry ds N appe?s on the ,font of Itrlsz trta[ernerd next te BMSrcs Rate qq pp 1tehed To s, vre sbtact any unpaid finance the iicfutded h the balance of each -jFnw .) This (lives us the daily batatnco of each asgnem. Trot, ws add up N the dolly baWtcea for each segment for the bMkq peeled and divide by the totad number of days h the ling period. Title glues - the 3. =r dolly ba4tce of own sagnarc. a. The PPtwo, -Annual Poen?dage Rate' may appear as APR' on the from of this sutamwm. b. If the code P ('rime), L (3y LIBOR), C (Certificate of Depoold, or S (Bankcam Phiar) appeare - the from of this statement next to the periodic ters(e), the ,al poAodc as and g ANNUAL PERCENTAGE RATES may vary (anal ney increase or decrease based on the stated indices, as farad it )7» Wall Snake Journal, Pkn to rw gin geviwaly dbdosed [o you. TMa d? es be eteetM on to fine doy of your billing period wand by your, pedodc sratame t ending In to modhs Jresry, Aprl, Juh aml October. c. If the code D q'rine), F (lyre. BOfi) or G Byte. LIBOR Repriced Madly) appaale on to fro, of your statement re a, m tie perloAC fsta(a), the pedorlc rotes the margin p aliously disclosed to you These c aaWs will be effwliw on the firs day of your bang period each mod. 4. Assessment of Late, Ov~ set 11.1saned payarenht Fess. Your aceom vl0 be assessed no, mom than tan of the tees listed here that occur dmq arty billing period. Under the tame of Yoh, astmer agreontent, we reserve the right to waive or not to asssa only lea widton prim nrdacation to you Without wdviq our right fe assess the Game or similar }1ce,.?e ?at ' ?a ?later tone. 6. h rhwhsrraq Y. Aesaur. If a membership fee appears - the from of tier statement, you haw 30 days I- the date this wato neat was mNed to you to avoid paying the fee or to haw such fee credited to you R you canal your aCCr L During the period, you may commas to use your account wh houi having to pay to mwebenailp fee. To cancel your account you onus wdfy us by came cur Customer Raiaitra Department :=r 'New Balance' in Ill (exedudirq tha feel prior W the end of the thinly-dry period. 9. H You Cess Your Aaasarh. You ran request to does =account by calling our Customer Relatirrs Dlpn went. You onus destroy your Credit cam(s) and acewnd access dheeics, carhcel N proauthod_d! baling, and rase hsba your accord. N you donot coned preamhalzed bilkq eta (,enema, we will consider receipt of a large your wtho izatim to reopen your aocwad. Addidwsiy, your accout will not be closed cell ywt pey, aan mourn you owe w Including: any transactions you haw au dwdzed, finance charges, pas due fees, over imh tees, reamed payment fed, cash advance fees and erry otlher fees assessed te your arcane. You am rospwdble for dheee emouda wihedher Bey appear wt your account at the time you request to dose the accost or they are inured subsequent to your mrFest to ride the accwad. This my reset in charges appealing on Vote arCrtam after you haw your ACCOad if It has already been dosed For exempla, d you mothered a pueas from a ntrchhsm and we mcolw the transactionclfrom the merdaan after your accwr has been closed, your account WE be reoppud, to asruunt of the ws be addatl to yar akxaar, and Yyww yvi be Tor PaymrhL R titre o a marbwailp fee for your socwm, the fee will co -si ue to be duped m the waortt pmNmod by law, and Vo aecous[ bNenca has been Paid m f M as dolkrd above. 7. VlMa"an You Aswur.You cam or account carrot be %wK1 In connection with arty ,,Menke gambling transactions. 8. Nstbs Abet Ekabanta Ch.* Cwrwsbn When you provide a dock as paymem, you aWcdze us hider to use informadm frwn you dock to make a onrt rte etecpwlc fund Oaneer from you bank accwant or to process the ppaaymrr a e dtedt trarxtion, When wan use inform mtlan from you deck to make an dectronic fund transfer, fads doery be widKiawwt from your bark so.." a soon as th sane day wan mceiw your beck from peymton[, and you wig inaOfWonnot necN- your check you flra. . BIUJNG RIGHTS SUMMARY (h Case Of Errors Of Gussdrra Abort You &i If you onik your bill Is wtoq, or if you need nun Infogm"- a tnasactlart or 619, write to - - a Erste show as soon as possible at the address for Ingharim afv m the from of this statement. We must the error or aher we sent you the III- you no low bill on, which later Problemradem appeared. Voce tan call our pamw ReNtlor nartbw, but ddrq ao will not preaerw your d". h your letter, gw - the following ktfOrnuti re Vow name and acmkm Herber, is dollar andount of suspected error, a deacdpdon of the error and an nplanSO , if possible. of vwhy you believe them I. an error, or if you need mom infomtwsn, a description of the item you am usu , about. You do not haw to pay any anent in vestiws wltb we we ir-stigeditp it, but you ere will odfppsamtedd to pay the psrta of yon balr tint are not In quetlort.l4llle we invoslaste your ?tbrt wan carnet report you as dNnghem or take sty ectd- to coiatt the amain you quedo, t j Special Isle For Credit Card Purchassa, If you hew a Problem with the quality of property or servicas that You Purchased with a or** card and you haw triad In good faith to correct to pmblwn with the urn mhsm, you may have the rigs not to pay the remaining amount due on the rty or wrvicea. You haw this Pmtactlwt - r purchase ado was more than 050.00 and iho made your Awns state or alum 10D miss of you teeing address. Of we own or openta to mordhrr, w If we mailed you the edwmsemOnt for the p wry or arvkm, all purchases am wowed mgwdiea of wnwa or location of purdsa.) Pla.==Q ranmbar m Mgt a0 con-p-lance. 2. Avvraq bait' soak. r Now purl-1. a. Fnance charge is Calaleted by multiplyigi the daily balance of each segment of we swam (e.a., cash 8 O ? I N N t Does nor apply m comawnw rp--M cad -counts t Ones nor Apply to bus*.- --ft tend etcvunts One w4wns intomraubn privacy protadiom soo our at www.capitalwe.tzrhn. One is a fadaNy mustered swAce mark of Captud rndai Corporation AN rights reserved s 2003 sognem. r teen at ere cue of the wag period, we add up the resits of e __ change dgae y iw caelctaclh etlsaegr mfe Ww e n perlodhths adrl tp the resits from each signed to arrive at the total penbdc trance charge for your account. To get the dely halerhce for each se(Fnm of you accost, we take the begrsbq balance for each segrnm and add any new transaction and mype dodic Arionnce serge Gl anted on the PmAous days balance for that segment. We than subtract my payments or credits posted as of tat day that am allocated to tut segrhant. This gives tae the .e",am defy balance fw each aepnerm of your account. However, if you paid the New Bslanhce shown on your P'Ao s statement in full (or if your new balance, ero wa or a credit amourn), ,hew post to your purcuee or spatial porches seghads m not added to to daily balances. We calculate to average day balance by addYq all the daily balances tegethar and druid,( the son by the number of the Nye In to current NBrtq cycle. To calculate your tool firace charge, muaipy your average Noy balance by the Nily pedodc sae and cy the number of days In to burg period Ur to mruhdrq - a dally basis, the. may be e sign vedance between this calculation and the moue of t- charge actually assumed. b. N the code Z or N appem m the fmm of this swsnerht next to 'Balance Rate Applied To,' we multicv the Inpartaht FIOB»: Your paymsm will ban cmdted to r awarrc as of fir dote Yle rw.eiw h, Previded yru sad the Drllrm portion of Ws atatmm and your Mock n the anhdaeed rrnittarax atvebpe and you ppsaymaht a roeivod In our pmwesYq caner by 3 p.m. Payrrtrws addmsseA m ou Viryihls or Geoge godsairq cemw nos De rowiwd an a butlrees ley Dy 3:00 p.m. ET. Pirymwds addiaased W our WMhigtwh prowwitp mrr asst be rewiwd on a bWress daY by 3:00 p.m. PT. Pesae Nbw at lahtt flw (5) bwira Nys for postal dolivary. Paynraas rawiwd try d at sty otlsr location yr h ,hater form msy nor DB ctadiced tie sane ley vvo mceiw them. Our badrhass days em Mhxday tfaoy)It SaturN , axd do et se sages pap, atG vta pmpaM1q Ywr paymwd. What yw send s a chock(s), you auderize s m make s o etine Nett MC trarofer dabi from yrur be nk deya. count hod for the mourn of iho duck Thla safedzation apples to N drecb mwived ?tuaiirqq to blip cycle even if asm by someone Nw. If wan caxtot prows the tmnefer, authorize tar te make s large spsinst you bank acooux urdtp to dteck a paper ttaft or rttarhm. You Now with FREE Accelerator • for the first 12 nwnthct-a SGO value 97* - 4 a month for first 3 months; $9.96/mo. thereafter SIGN UP TODAY! NNA L BA WOODRIDG *o't28sr)87-9669 Merltion Offer Gode: EMERALD ENOLA 7025-1 Or visit www.peoplepc.com/go/emerald CapitaloW- 003 peoplepa- online u A better way to Intemet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Virus Protection powered by Symantec- ® Pop-Up BlockerTm Spam Controls .aw i Smarter Smart Dialer Technology ® iW More Email Addresses ® % Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 Account Suutmary Payments, Credits and Adjustments JAN 24 - MAR 03, 2004 Page 1 of 1 Previous Balance $39.00 1 18 FEB ELECTRONIC PAYMENT $39.00- Payments, Credits and Adjustments $39.00 Transactions $,00 Finance Charges $.00 New Balance $0 00 Minimum Amount Due $.00 Payment Due Date April 03, 2004 Total Credit Line $5,000 Total Available Credit $5,000.00 Credit Lane for Cash $1,000 Available Credit for Cash $1,000.00 At your service To aiR Customer Rdations or to report a lost or stolm card: 1-800-903-3637 For free online -tat service and special -tourer offers, log on to. w .capitalone.com Sind payments to: Sand inquiries to: Attn: Rer ittance Pmonsing Capital One services Capital One Suvim P.O. Bor 85147 P.O. Bor 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account laformation This month you will receive your 2004 Guide To Benefits, which sets forth all the additional benefits and services you may be eligible to receive this year. These benefits and services supersede any benefits and services provided in your 2003 Guide To Benefits or other additional benefits and services previously communicated to you. Please read and retain for your records. S a F-manoeChatges Pkarereermerseride rmpartantin wit for Enamor' Ad- rata P 4 Corrnpondmrd MW E dace r * rate R E PURCHASES 5.00 .04082% 14.90% $.00 CASH 5.00 .04082% 14.90% 5.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. C--*~O I 0000000 0 5178052278426453 03 0000000039000000005 New Balance $0.00 Minimum Amount Due S.00 Payment Due Date April 03, 2004 Total enclosed $ Account Number. 5178-0522-7842-6453 P/rarrp.i.+tnemtrndald ram rrrcm'trA,mars br! uriRdbGawblanE in.E 0.00% bneee Apt 4 Cry Smtt ZIP Home Phone Alcernate Phone m0m #9006413561148552# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 1n t I I1 924 WOODRIDGE DRIVE Richmond, VA 23276 ENOLA PA 17025-1545 P/east umteyora aaount nwnber on your dxoE or moneyorder sradtpajab/r to Capital Ow Bank and mmI in the mlosedenwhooe. r peoplepu online u A better way to Internet, UNLIMITED INTERNET ACCESS SIGN UP TODAM 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.pe3oplepc.com/bo/emerald PeoplePC is splay responsible for this offer, and b not affiliated with Capital One. Ceplal One does rat provide, endorse or guarantee, and is rat affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respeave entity. AN lights reserved. By responding to this offer, you may be commrricatng inionetion about yourseff to the company whet provides this product - for example, drat you are a Capital One customer. 'Pw*PC Online: Fast 3 months are billed at St97 per month; $9.95 per month thereafter. OBer available to new dill subscribers at least 18 years of age and may rat be federated with any other offer. OAer subject to change at any time. Phone technical support available for $1.95 per minute. tA¢aleralor is he for 12 months. Offer good for limited time. After the first 12 morift the Accelerated service will automatically roved to the standard Peo*K Onlne service. Offer suhject to change at anytime. With PeoplePC Online Accelerated, oerbv Web page tat and graphics will bad faster when compered to standard did-up internal service. Actual results may vary. PeoplePC Odine Accelerated is only compatible with PecOePC Oh(ne hrterret service and specified Windows@ browsers Pecp$sPC Online Accelerated is not compatible with Windows, 95 with E 5.5 SP2. Service not avaNble in all areas, Access fees, taxes, and other tees and restrictions may apply. Teleptane tot charges may apply, even during trial periods. you are responsible for determining whetter a cad to one of our access numbers will result in telephone till charges. Access may be united, especially during tines of peak mtge. Dial-up numbers may be changed at PeoplePC3 discretion. Continuous use subiect to fimeout procedures. Ad use is subed to PeoplePC Onlne's Services Aepvenan and Acceptable Lisa Policy. 56K is the ma dmum speed of service; actual speed may vary. ® 2005 Peo*PC Inc. Al Rights Reserved. Peopil Online and its logos are trademarks of PeoplePO in the U.S. and other co ntrim ® 2006 Capital One Services, Inc. Capital One a a federally registered service mark All dghts reserved. a. Grove Patted. Your wit haves m(nimern grace period of 25 ays widhnut Arurhm charge on now Purchasers, new hakrae trarstere, crew apeUal pwgbsos and new other adrrG Incaiti path toil A. Balance", In th krportam Notice for payments below, and In time for it to be crated by your next runemem =.i There is re grace period on cash advances t rarslere. In addition, there Is no race pedod on icy I ramcam if ywr do not pay the total New S N o aS O N yaw a line e t by the next statement closing ate, but did not a so for the previous month. Unpaid liita m charges are added to who '=I saginm of ywr Atx:ouht. t.. biirrurrr Fit- n each to pedod that yew acmwt Is ew to a thanes ch. a miimu t of FINANCE CHA E of $0.50 vtfil bar iripoaed. If the toad Inane charge revisiting from the applcaton ofwhet periodic rate(s) Is loss dun $0.60, we 1 subtract amour from the $0.60 mh*n- and the diffenahce will be sled m the purcluae aseepphntrot oT??yy??r accent. td Tomperary assess horFbroe ?+r't+• We reserve the all finmee roes for any given .119.1m 60 " any b. AerriO Fk- dt+ng+• Trar-dons Mich arc not atbject to a gram period are assessed Anance charge 1) fiwn to date of the IrarneNon or 2) from the date the trareecdan is processed to you Accord of 3) from the Arst calendar day of the warent bitting priced, Addidaaly, Ibilkip Period u arty l f ? d?ia tiesance' fiom Ao pno upald balance trill to wdne to accrue to upaid balance is paid in mars that you may a1W owe Tnarae charges, evenM. if you prey who entire New Balance bdcatad on the from of C=.=17 "c ip arareawrsr wo use tna segment each day, add any now transactions to each segment, and mA tract rry psymenm or modRa. (If the coda N appeal. on the front of the statement nett to 'Bdawe Rst*6A ro," war ado subtract any atped finance ctorgo irckded h who balrca of each amino.) The give, ran do daily boleros of each avrrmx 1 nut we add up as two dolly bounces fw each wilment for the IA" paled and Ands by the total nerlbel of days h de bilip period. This gives us the average ally balsnce of each segment, 3. !west Piordaga Rea fAPRI. a. The term 'Amad Percentage Rae' may appear as APR" on the from of this stromem. b. If the code P (Prime), L (3,mo. UBOIO, C (Certificate of OepoeiO, o S (Ben can Pits) appaare on the bast of Chia swtanrst nra to to periodic rarely, the pwlodic rates and corr?pph?q ANNUAL PEACENTAO RATES rosy vary quarterly ad rosy bvswe w deorena based m the read hdicoa, a foul In rho Wes StrsM Jowm)d, hprkhag atgho margin pmviouWy disclosed to you Theme billing period ce.. by Y. periodic Areconveer t of endyour ing In the nnarvft January, April, JW and October. c. If the code D (Primly, F (11-o. LIBOR) or O p1no. LIBOR RWdced MwWld appoare m the frem of your atammerd next to the pedoAc rate(sl, tta penbde area tea margin p .WWW aawmed to You. These changes eAt mod, m the first ay of your bang period 4. Assessment of Late, Ovainnt and Retorted Pryroard Fees. Your accent WIN be assessed no mere than two of the fees Iced here that occur dual any baling period. Ulnder the terms of your aatarer agreement, we maorwe the riyrt to wave of rat to assess any fees Qtl am prior notsiea4en m Without waiving min rigid to assess the same or similar at a Ieter time. 6. FillerwAing Yetr Aeeaat. If a membership fee =Zen the fawn of tie atatmerd, you hive 30 avoid paying the fee to how such ee credited to you R you cancel your acco rht. During this period, you may rwrtdoe to use, your arrant without having to pay the membereNp fee. To cane! your aeears, vw must membership ta) prim to the end of the tiny-day period 6. N Ym Close Your Aooou L You can request to dome Zaccent by taping our Customer Relations b-M You most destroy your radt mic(a) and sccaad access checks, cancel ate Pmauthodzed billing, preeutedx hNlir gtarrargements, - .1 ""Id" receipt of a charge your authorization to reapa? Ywr acoaad. Additionally, your aaarrt wit not he dosed u a you Pay all amounts you owe us Irnkdrg: any transactors you hate authorized, Arance charges, past due tea, overarm Toes, renmed peymand ties, cash advance Ices and arty ewer fees assessed to your aoowm. you are respaholde Ta close ameuma v4hther way appear en your aeomm at the time you repeat to chore to smasd or they are incurred subsequent to yhtu request to cox the accent. This may reap in charges appearing en your account after you have Y.- acearrc if it has alroady been closed. nor exmloor d lyre aWorized a paGrse from a merchant and we recdva the tra fawn the merchant show ywr accurst has been closed, your awouK vdl be mopml the mound of the Cho will be added w your account, and?ywua[will be rig= for Prymmu ey N there b a to?DO d fee tl[eta b Is I[v, ICOndrous, ntro Kooku balance has ban h full a afhed above. 7. Yow Assesst.Yo r card or ...writ craef be mxmhcdor.C111- with my Internet gambling 8. Note, Abar Ekdrvn,o CJtsak Corhvarsbn. When you provide a check a paynant, you aWhodza a dolor to use hformatim from Your check to make a ore-tlme elscbonlc had transfer from your bank awhowst or to process thepe ymant as a deck [rrexdtm. When we use informatlan frwn your deck to took. m oloctronc turd Uarehr, funds may be withdrawn front your bank aawt as sun as to some day rte receive your Paynmrs; and you wip not reaeitB your deck back from your &=I In6atWOrL B1WN3 RMTS SUMMARY (h Case Of Enora Or Owaadore About You BN0 If You thin[ yotr pill Is wrong, or if You need more htornatim m a prosaotim of bill, cadre to us on a separets olheet as soon ss Poss?le r the address for hqulas alhowwh en the fond of tlhk statement. We must tear ion yon no late than BO a after we sent you the flat by on which the anon or Problem apperal. Yw can rob our (.Cramer Rolatime mrnbw' but doing so WN not pprree?ser?ve your rights. h your latter, pre us the fallowing infmsum: your, none and accost number, the dollar amtud of to sfspectad error, a dascripton of the error and an explredon, if possible, of why you believe them b an error; a if you reed irons informe a daacdprion of the item you are uhrrs, alma. Ym rb not how to pay arty mmant in suite vs am ' rt, bu yon re stW In pry the parts of yew bit air am rot In gresierh, we h?tmste =t rh we meant report you as rlelrhgsarst or,. ke any to colacr the amount you goesdm i,t Spadal Rude For Credit Card Purchases If you hove a prPblrn with der quality of Property or how tried In good fad with a craft card and o mnr,-t the problem with the merdrnt, you may have the rigit ret to toy the remaining moud duo m the my or aeMrfaem . Yw law this 35? W and only it* Purchase was more than within 100 an mi Purchase mx Purchase, s mace C In your hurrve are or fig address, (If m own or operas the merdhsd, a If we mailed you the ad"misamem for the Prepenty of gmAta, as pu cages afire mvoadoffrt?na? ? m of purd osa.) a arnw t Axe sot apply M zossrmrer era.- -ds cwd sccamta t Ooes son apply to buslmess r cofilt cent xroanrs One apporm information Privacy protection: over our at www. ao.can. Ore Is a y registered swim mark of Capital -rogro Day e. Fhbhca Charge bcecalgsired by Multiplying the daily balance of each segment of your account le.g., cash advane, purchase, special transfer, and special purchase) by the cercesponding aay periodic finals) tot has been Pm%i%Wy dsdoeed to you. At the end of each ay durkhg the telling perlod, We apply the daily periodic rate for :2 segmem of your account to the d?IllyYgbalance of eaM alt resits ofmtleat #0 and ae dilly calculations poPeniedve „ yoaudrd up pedode Ananhce Berge ion each segment. We add up to results fmm each segment to ardw r to toad periodic I,- tlurge fa y"aur accotrd. To get the dNy halance for eaM segrnerht of Your accarrL ww take the begiming balance fa each segment and add am/ new tametions and any periodic Anance charge calculated on the previous aye balance for that seginem. We than subtract my payments m credits posted as of that ay that are allocated to that segirent. TNa dire ue the separate daily balance for earth seginem of your acorn. However, if you pe)d to New Belence alhovwh en your prevlaa sutemrn in fit lor if Your new balance was zero or a credit amount), new transactions wMch post to your purchase a special purchase segments; are rot added to the doily balanote. We balances togmh or and dsWdinbalance gg the aih badding all the y the number daily the ays In tar: mnent hilhg cycle. To calculate your teal 'I- charge, muitlpyy your average dally haMrhce by the ally dodo are end Oy the ember of aye in Uhe filling pe Due to reudng on a ally bash, there may be a slight variance between this ealasiatien and the mom of Anace charge actually assessed, b. R the code Z a N appears m to front of die statement next to -BaImce Rate Applied To; we muhbly to Irrpatant teeter: Yur psymm wit bar craned to acceust as of who deu via receive k. Pru'Ided lyre end rte battwn pottlon of Ws ststenem and ymr deck h who andosed rbrn3it? enwbpe, and Wtr P.Mnrst k received M ow pmmwing craer by 3 p.m. Payrrenrs addreaaed eo ow VkglNe a George prompkg mmar nua[ bar reoalwd on a Wdrea a symrrca addrand Lo ow W recd Y Y Rm. ET. P ashkgtwh preceaeig enter mar be vac m s Duchess ay by 3:00 p.m. PT. Pease slow r Isar flue (5) badaihass aye for pomtd re idays. Pia not hue st?aplases? ?roddapsrlocsdon?? h arwtor form may rho be ooAwd who errs ay vre receive them. Ow businm aye sire Monday tamgh SaturaY, excladg bank aocwt Tor to mart of the Mock. This aWedzadah??? ? ??x' men send ua s dadc(sl, you sWOdza us to make sore-time dec[rocc twrnfr ddit tom ymr authorize ha to mete a darye agshr Yar benhk amarht epplnes to r decks IB ?yda even if sift by someone else. If we carve[ process tfe transfer, you tmkq tfe Mick a paper trek a other rtm. r----- i ---------------------- Show Mom your love! 003 Special savings for Capital One's Cardholders! * on your next purchase when O? you use Promotion Code CAP66 ?S a ve (see reverse for details) Save this code! Offer good all year long! Remember: Mother's Day is Sunday, May 14th t t _J NJ- JOANNA L BALL 1.800-f lowers40M. 1 Call 1-800-FLOWERS- (1-800-356-9377) or Click www.1800flowers.com today! Your florist ofchoice_ L________________________________________________________________ _________________________________ C -;m Account S Previous Balance $.00 Payments, Credits and Adjustments $43.45 Transactions $4,930.58 Finance Charges $21.96 New Balance $1,909.09 Minimum Amount Due $147.00 Payment Due Date May 03, 2004 Total Credit Line $5,000 Total Available Credit $90.91 Credit Line for Cash $1,000 Available Credit for Cash $90.91 At your service To all Customs Rdatioor w to report a loot or otolar wrd. 1-800-903-3637 For free online aooount service and apeoal wstoma offal, log on too. -,Mpitaloneam Send Pa7mams to: Said inquiries to Attn: Remittance Promsing Capital One Services Capital One Services P.O. Bas 85147 P.O. Bas 85015 Richmond, VA 23276 Richmond, VA 23285-5015 n M p PLATINUM MASTERCARD ACCOUNT MAR 04 - APR 03, 2004 5178-0522-7842-6453 Pagel of 2 Payments, Credits and Adjustments 1 21 MAR TARGET 00012542 CREDIT $43.45- Transactions 2 05 MAR THE HOME DEPOT4120 MECHANICSBURG PA $557.12 3 06 MAR HECHT'S #28 HARRISBURG PA 36,00 4 06 MAR KMART 00091231 ENOLA PA 37.50 5 06 MAR SEARS ROEBUCK 2624 CAMP HILL PA 227.65 6 06 MAR THE HOME DEPOT 4138 HARRISBURG PA 99.70 7 06 MAR BATH &BODY WORKS 0507 CAMP HILL PA 50.88 8 07 MAR KMART 00042754 MECHANICSBURG PA 51.17 9 07 MAR THE HOME DEPOT 4120 MECHANICSBURG PA 21.17 10 07 MAR SEARS ROEBUCK 2624 CAMP HILL PA 114.23 11 11 MAR GIANT FOOD STORES #S1A ENOLA PA 20.35 12 11 MAR THE HOME DEPOT 4138 HARRISBURG PA 1,693.05 13 11 MAR THE HOME DEPOT 4120 MECHANICSBURG PA 136.50 14 13 MAR VICTORIA'S SECRET 0281 CAMPHILL PA 87.50 15 13 MAR TARGET 00012542 HARRISBURG PA 79.47 16 14 MAR LOWE'S #522 HARRISBURG PA 88,87 17 14 MAR THE HOME DEPOT 4138 HARRISBURG PA 76.58 18 15 MAR ENOLA SHURFINE SEA ENOLA PA 12.75 19 15 MAR TARGET 00012542 HARRISBURG PA 30.47 20 15 MAR GIANT FOOD STORES #263 ENOLA PA 15.04 21 17 MAR KMART 00091231 ENOLA PA 12.07 22 18 MAR PIER 100000711 HARRISBURG PA 43.46 23 18 MAR KMART 00091231 ENOLA PA 40,26 24 19 MAR TARGET 00012542 HARRISBURG PA 64,71 25 19 MAR THE HOME DEPOT 4120 MECHANICSBURG PA 64.54 26 19 MAR TARGET 00012542 HARRISBURG PA 169.71 27 20 MAR BEST BUY 00005470 HARRISBURG PA 109.31 28 21 MAR WM SUPERCENTER SE2 MECHANICSBURG PA 59.82 Finance Cha%w Pleare see reverreJidefor important information Bat rare P-6d. ?pon-d X .-I dta I& I PURCHASES CAS $.00 .04062% 14.90% 3.00 H 514519. .04082% 14.90% $1.64 ANNUAL PERCENTAGE RATE applied this period 44,99% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052278426453 03 4909090039000147004 New Balance $4.909.09 Minimum Amount Due $147.00 Payment Due Date May 03, 2004 Total enclosed $ Account Number: 5178-0522-7842-6453 Capital One Bank P.O. Box 85147 11611111111 Llrtll Richmond, VA 23276 lultlullntlnlltultllullurllrullrullnullurllunllunl Pleare r teynur anouw numbs m your Plrarrtrier mailardaddrm -,.V- r-eraJrGergrr bet --f M- orbtm#;r& Street Ape Gq, S.. ZIP Home Pb- Ak-w Phone #9009513561148556# NAIL ID NUMBER JOANNA L BALL 924 WOODRIDGE DRIVE ENOLA PA 17025-1545 ro ° ?¦ lutlllurlllumliltltluulltltlulultltlntlrlnlnlrlull :perk or -Y order madePTmKia to Cat,W One Bank and mai/in the enrloredenvdote. r Get sweet savings on Mother's Day gifts for all the moms in your life ! 1-800-FLOWERS.COM" always promises you and all J0AhW r1cMLbjou love: 924 r WINO artistically designed SNQg4?I22'zzbRW&A4Pe 24/7 for delivery same day, any day 1()0% sat' is action and freshness guaranteed • The finest selection of flowers, plants, gift baskets, plush toys, gourmet foods and more • Gifts exclusively designed for 1-800-FLOWERS.COMO by leading brands you trust. 1-800-flowerSICOR. Your florist of choice. on your next purchase when Save l 5 * you use Promotion Code CAP66 Save this code! Offer good all year long! Call 1-800-FLOWERS" (1-800-356-9377) or Click www.1800flowers.com today! 'Bxlusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery rules and times. Items an be ordered online and by phone only. Offers cannot be combined, may not be available on all products and are subject to restrictions, limitations and blackout periods. Offer valid through 12/31/06. Prices and charges are subject to change without notice. Void where prohibited. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. Trademarks mentioned herein are solely owned by their respective entity. All rights reserved. 1-800-ROWERS is solely responsible for this offer and is not affiliated with Capital One. Capital One does not provide, endorse, or guarantee any Product or service shown here. By responding to this offer, you may be communicating information about yourself to the comparry that provides this product-forexample, that you are a Capital Onecustomer 0 2006 1-800-FLOWERS.COM, INC. 1-800-FLOWERS.COM" uses Secure Socket Layer (SSL) encryption technology to secure its website. -if You W to LISP a dfW" oedit card, for gs,stios or to cancel call tap free 1-600.927-9491. Your instant paints am redeomable for savings off On retail price of your pks the low rate altovah. Allow four to ten wearer for magaznes to sun. If a title camas, It will be replaced wide one of equal or greater value. Cancel anytime and awlver a mhnd for uaerved Issues. Void cadt card red Qdea vi bePodgy witihn dirty days of the roplration data. Wlm you make a selection, you become our valued c atomm. O 2004 hNwSuO Mepezlro 5oMOSS LLtlMS), Four H Park, Stamtom, CT 0e90515 Ulo vatdon arq amrves da right to limit ortlea. noMy trademarks mantlaad heroin are solely owed I y the rsspaW Ve arshy. NewSub Magazine services LLC Is solely responsible for this otter and le not affiliated r . Capital O. Caphal One doer rot provide, endorse, or guarantee and Is not afiated with any product or service shown here. Byy respondng to this otter, you may be commWCalkq Infomadon about se mark ty that provides this product-for example that you are a Capital Cn customer. O 2004 Capital One services, Inc. Caphal Ono le a ropy Z. rigiae resolved T a. (rase Passed. You will haw ragominOtt new imum grace mid new period of 25 days now halancal aerials, now Vidal purchases a,odar dherges if you pry your total -Now ance- in acceidance witlt the Important Notice lapa)mems below, and In Arne for h to be caAted by your next statement dosing date. There Is no grace period on cash advances and special transitions. In addition, there Is no E4am pedod 1. arty trasaction If you do not pay the total Now balance.' b. A-.k Fier- Charge. Trame flora which am not mb)ect m a grace period arc assessed finance charge 1) flan the date of the traaacdm or 2) from the date the transaction is processed m your Account or 3) from the first calendar day of to current billing period Additionally, it you did not pay the "New Balance tram the Previous ybilliinng period in full, fnance dirges continue to accrue to This mwsd tales urpH unpaid balsas is paid in ill. you may still owe finance charges, awn it you pay da eihtre NOW Balance indicated m the tarn of you staeimeiht by to Faun steteineim dosing date, but rid not do se for to paviom month. Unpaid Branca dirges am atldad m the lode segnein of your Aowhnt. t c. Ilihitaan Fihahoea. Fa eihch biting paled tst you acwum Is subject to a flnarre he *n FINANCE CHA E of ?0.50 will If he told trance charge resulding from the along cation of r subtract that amount 'from athe0 unit and the diterernce will billed to the purchase ot r accost. td. Til parry Rdaelen h F'Yrrw asrpa. We naerve the rider to not apses any or all Arcane charges for any given ??q period. 2. A== Balsam fihaia?h? alew. IMohaaFol• a. Fromce dwge b calglated by rhahlWYtnt the dairy balance of each aegmem of your scooted le.o.. cash 8 O o l i ? N eegnest lot to blimp ad anal drWo by the total anhba of day. 1. tits ling period. This glues es the e chilly belarca of each sWera. Annual Pwoassg. Rates fAPRI. a. The term -Annual Percentage Rae may appear as APR' on the from of tie esumem. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Depoelt), or S (Bankcad Prime) appears on the from of this eatemest text to the periodic ser(a), the pen?T6 ram and arplay hadrdp AN UAL PERCENTAGES decrease A street based on the stated indices, me ffoun In he Wa These cMgos vii breeffeaWe?ad.n do -11tarmai plus disclosed bikg PerioU wwmd by yes periodic sutmhai ending and be wn +no, utwrtl or 0 Wmo. pears Orr the front of yaw salt rag(s), the oedodle rates tae margin Previously disclosed to you These changes will be effective an the fiat day of your biro period malt month 4. Asaasama k of Late, Overialt and Returned Payment Foes. Your ascent will be amassed no more than two of the fees listed here thin occur dung arty billing period Under the terra of your -atom- agreement, We m9arve the Fight to wail a not to assess any rem wfdhoa prior nedfcatim to whites weiving our right to asseas the sane or similar at a later here. 6. Vow Aaaaum. If a membership tee appear an the from of this statement, you hew; 30 days from to date giro statement was mailed to you to avold paying the fee or to haw such fee credited to you car?kame I-I your eewwht. Dung it" period, you may use mentheralap tee.youur account without having to pay the To cancel ratify is by calling our f] 'r Rdatoia DDepeorrtmoh Vou and pay yya?u w Balance' in fall lexaudng the mentberanp ice)NePrig to the end of the ihirtydeY period. 6. N You Class You Aoaou t- Y. can requaest to dose yyeosr accent by calling out Curran, Ralston Depertinem. You must oNatroy your acct card(s) and account accent dacha, canoe) ell preautiorized lolling, and team ed yaa axaan. If you do not caeca preewhalxad King amargnema, we will ca"Idm receipt of a charge your auhaorizadm to to` you account. AddhionllY your account wN rotbe dread ovie us Inciticling: any tr until a saNons you haw authorized trwhce charges peer all due less, ovedimit fern, refined payment lose, cash advance fees ad any other ffor ees amerced m oumyour m,c aMother they appear ou co are a they youur r accounurri at the hex t time e you ant to mWest to dose the acoolart a they ere eased aibe0quos to yea regnast to dose to accent. This may rem i n in dirges appeerirq an your account after you haw Of seas. oun-ei subtract a of each a Y, asp my now st of t?m"a aloe in the Delarhca yeis account if it Iw already born closed For roarple, =1 or(zpuchase from s merchant a d ore the [m from the mercfasx after your scmura her been closed, your agw111t wit be reopened, to arnoum of to cho w17 be added to your accouaa, V you w7 be reappago for Payment. N tsao Is a m fee for your aawa, to fee will cadres, to ha charted, m the roses by law, carts to e. balance tea born d In fVl m tetrad above. 7. thin Your A..e.LY- card or acswrt tarot be In connection with any Internet gambil t,-cd a. 8. Native About Fleahenie park Cawasbh. When you pmv o kare payntas, you authorize us, ekher to, uses Information from your deck to make a one-tine electronic Ind transfer from Your bait aaroua or to process the payments as a deck transaction, Whon we use Information from your deck to make an electronic fund transfer may be withdrawn from your bank account a the same day war recelw your yourPeY?t,firwndel ad You dap not reosiwe your check back from Ifnedteriarn. BIWNG FLIGHTS SUMMARY (n Cam Of Errom Or Questions Abort You Bit If yyoouu tlniha yaw loll N wmmg, a If you need room nfomati- an a tmraotb i a bill, write to -me I ".to shoat as soeih as possible at the addmm for rgtlrim shover on the from of this etatemaa, We must hear fmm you rat late than 60 days after we serer you the first HB on which the error or problem appesmd. You can call Our customer Relation amber, but doing se will not preserve your rights. n your letter, gi% us, the fn1R.vMg rnfortndon: your Toms, and accost number, the dollar anon[ of the sapeeted error, a descriPdon of tha error and an explanation, If possible, owhy you believe tMa is en aar, or if you need more n ter a deseripdm of the Item. you am uneuure door. You do rot haw to pay any arrant n ysmdon whfle ass are inwaisetrns k, low you a add obltpprat?redd? pay da parts of yqr_ loll that are rot casedon .lYN your we stmt report you m rleMquam or tape any actbn to collect the amoar you qu es ion. t,t Special floe For Crap Carta Purchases If you hew a problem with to rylalky of property OF services that you purchased with a crest card and you haw tried In good faid , to wnrct the probhan with the merchant, you my how this rigia not to pay the remaining anlouaa duo on the rty or services. Yw hew this d5P teed and ty Msn the pu'dsm pdw was mom than within 100 mite of yew wee made your horns stets o You If wo ailed d you 0tf ? own or operate the merchant, advadm " its the propeity or services, N purchasers aPNm wvoms t ttllam off Ilatmnurt o location of purdase.) gnat rmopornde nce. t Does not apply ro cnnstrmer -,-n emd aceor.o t Does nor apply to busirmas -edm card accounts One supports information privacy protection: seo our at www.ca a raogclastn. OW 18 a acid COrpoatlon AN ems service m prk of Capital Cn Vince; rmerwd. 2003 01LGLBAK the Nskq pedod, we apply the dally periodic rate for each segnerm o your aceasn to the dallyy belarnce of tech xgnom. Then at the anal ot the dlllrq pedod, we add up Uhe metals of these defy calculation to arrive at you periodic mince charge for each segnem. We add tq the remits from each seguhent to ardor a the total Pedodc finance serge for your account. To get the dall y Valance for each xgneM of your accent, we cake the beglrWrq balance for each aegmeM and e c armty/ new ma and arty ppeedude flrbrce h charge calculated an n the the pr previous daVy balace for thin segment. We than aubtram arty payments or credits posted as of that day that are apocmed to that segment. This gives Are the separate daily balance paid tfhe for each aegnertt of your aocom. Novrever, I'm in New Balance shown m yon prewiou atatemem n (a if your new, balance was zero or a credit amass), new treneclfeie which port to your purchase or special Pi rdux aogroal s are rot added to the dolly balarces. We celoxaste Z=7.* d balance by adding all the daffy balances d d ding the sun by the -bar of the days In the current billing type. To calculate your total daN m ch ri ate ardp 6 Y r .wage dally balance by the Y pe y he Fasmben of days In ire billing per FOd Due to randrq on . dely bash, them may be a sight wderce bawaen his calculinion and the amOtm of finance c arge actually assessed. b. H the coda Z or N.8 pear on the frost of this steumeM not m -ealaruce ate Applied To; we mcUCv the Inportrm Netise: Psymems you and m ve will be credie0 m Your acowm as Of to bwlnese day we receive it, Provided (1) you Ford to bosses si say. for and your check n le eihdoaed remmahw and potbn ties Paymams received errvelopO (2) your N mcesvad n ow proc a ha cantor by 3 p.m. ET (1 2 rown PT). Plasm sow, at beat 11w (5) btadnaw days for postal delivery. by us, m my Oder lowdon or In array otter tom may rhsc bat cmdced_ as of the day we rawlve than. 0. Wall days ao Madey through Simrday, exafWng holidays. PleaFo do rhoe sgples, paper alit ac ashcan freprV yew p.Ymam. When you send us a dark(s), you auhor(ze to m make a --.alma electronic tr-for tkb(t fran w bank at. frorArs amour of the deck This suthor¢adon applies m d cscits received during the bftg cycle swot if tors by someae else. If wo cannot process the lrarsfeyvr, you authorize us to make a charge against your bank account using the chock, a papa draft or other hem. _ _ _ 9s9 CapitalOne0 Your Credit Future Is In Your Hands what's inyour wallet?- Capital One' wants to give you all the help we can in managing your finances. To make the most of your time and money, take the following steps to maintain your good credit. CHECK IT: Review your credit report at least once a year to check for errors or fraudulent activity. FIX IT: Contact the credit bureaus and credit card providers to correct mistakes on your credit report. USE IT: Demonstrate wise use of credit. Make purchases regularly and pay your account on time. WATCH IT: Maintain good credit by keeping your balance under the credit limit and pay your bills on time. CONTROL IT: Moderation is key. Don't max out your credit. 998-1101 Account S Previous Balance $.00 Payments, Credits and Adjustments :43.45 Transactions $1,930.58 Finance Charges $21.96 New Balance $4,909.09 Minimum Amount Due $147.00 Payment Due Date May 03, 2004 Total Credit Line $5,000 Total Available Credit $90.91 Credit Line for Cash $1,000 Available Credit for Cash $90.91 At yourservice To call Customer Rel Ufi or to report s lox or holm aid: 1-800-903-3637 For free *Wine amount setrim and.P.-1=t mer abets, log on tan w -Pihlonecom Send payments to: Send i vl iea to: Attn: Rematsnee Pro-g Capital One Scram Capitd One Senicn P.O. Box 85147 P.O. Bar 85015 Richmond, VA 23276 Richmond, VA23285-5015 e7 w PLATINUM MASTERCARD ACCOUNT MAR 04 - APR 03, 2004 5178-0522-7842-6453 Page 2 of 2 29 21 MAR TARGET 00012542 HARRISBURG PA 18,00 30 23 MAR GIANT FOOD STORES #S1A ENOLA PA 27,72 31 23 MAR GIANT FOOD STORES #S1A ENOLA PA 30,00 32 23 MAR CVS #2321 HARRISBURG PA 36,22 33 23 MAR JUST CABINETS #23 HARRISBURG PA 161.05 34 26 MAR CASH ADV. ANK/741 WERT ENOLA PA 302.00 35 27 MAR CASH ADV. ANK/742 WERT ENOLA PA 202,00 36 29 MAR GIANT FOOD STORES #S1A ENOLA PA 28,09 37 29 MAR MONMOBIL75 04210332 HARRISBU PA 15.72 38 31 MAR GIANT FOOD STORES #S1A ENOLA PA 28.15 39 02 APR CASH ADV. 01 ENOLA RD ENOLA PA 81.75 40 03 APR CASH ADVANCE FEE - - FINANCE CHARGE 20,12 T PLEASE RETURN PORTION BELOW WITH PAYMENT T 0000000 0 5178052278426453 03 4909090039000147004 New Balance $4.909.09 Minimum Amount Due $147.00 Payment Due Date May 03, 2004 Total enclosed $ Account Number: 5178-0522-7842-6453 Capital One Bank P.O. Box 85147 Richmond, VA 23276 PGarrpt;nr nw;t,'ng? mdorrmai/d?mtarrbr! mud3hvo.b/cnE ucE Sir- APt t _ Gry Sna ZIP Home Phone Aloaaate Ph.. #9009513561148556# MAIL ID NUMBER JOANNA L BALL 924 WOODRIDGE DRIVE ENOLA PA 17025-1545 Pleme evritryow aavrrrrt rsunsber _Your uATk w money order madepayable to Capita! One Bank mtd mail is the eaclosedenvdope. Capita/j?® what's in your wallet?- The steps to maintain your good aaditare provMed by Capital One, in conjunction with Consumer Action (www.consume-clion.org). 0 soot Capital One Services, Inc Capital One is a federally registered service mark. All rights reserved. 3537M NDdW WIN be In d" 'ie a?icioaed Pi aW w You MI TO US and 2) your ?te% r d accgaa as =Z= Wy wo rocolvo k pm'i (1) You -W the ba portion oftlYs etstanan and your check In ou ved paymart prby 3 P.m. "I (12 rheerh M. Please allow rt lost Ilva f5) bitalnoea days for postal delivery. Pa ma racoi ymo by w a< arty other bcaden or in ary o= fwm mey rwe ba cre k d ae of the day nn.I- than. qr dalhrese days are Monday tlrouph S=L. exdutlrhp hdideys. d&d Please do rat use staples paper cis hxc. vdtar prapadng pta.psymau. Whah You sad us a chxkfel, You ahdarice <o to make a one-Wne abctraic traufer your bank accent for albs arrrara of tla Grck. This aWarizatiat appkes to ag clacks rocaved drip the UYgnp cyGe oven if sent by aomeora else, If wa carrot Pros Ove trarmfer, you aulhodze s 10 make a cures against your bank ataant using, the shack. a paper oYaft or other hem. 009 First 3 months half-price peoplepc- online 'e 97* U Abetter way to Internet. PeoplePC Online offers the features you would A,A& $ a morrttr, expect from higher-priced Internet Service a 4 $ .9wino. thereafter Providers at half price for the first 3 months! / 1 V ?95?m ® Virus Protection powered by symantecTM Now with FREE Accelerator ® Pop-Up Blockerr- for the first 12 monthst-a 160 vahm 1@1 Spam Controls 78426453 SIGN UP TODAY! ®ti?r Smarter Smart Dialer Technology 1-877-778-1207 -9w BS` :Wes 000, Mention Offer Code: GARNET Q h* RAttmQilti` fi1rng Or visit www.peoplepc.com/go/gamet I JJ I III III =4 DIN 10 111 I18 PLATINUM MASTERCARD ACCOUNT APR 04 - MAY 03, 2004 5178-0522-7842-6453 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $1,909.09 1 29 APR THE HOME DEPOT 4138 CREDIT $1,693.05- Payments, Credits and Adjustments $1,693.05 Transactions $83.96 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If Finance Charges $57.70 you have already made your payment, please accept our thanks. New Balance $3,357.70 Transactions Mimmum Amount Due $196.00 Payment Due Date June 03, 2004 2 01 APR KMART 00091231 ENOLA PA $34.97 3 04 APR YAHOO ` GAMES 408 349 5151 CA 19.99 Total Credit Line $5,000 4 03 MAY PAST DUE FEE 29,00 Total Available Credit $1,642.30 Credit Line for Cash $1,000 You were assessed a past due fee of $29.00 on 0510312004 because your minimum payment was not Available Credit for Cash x384.80 received by the due date of 05/03/2004. To avoid this fee in the futtue, we recommend that you allow at least 7 business days for your payment to reach Capital One. Atyourservice To can Customer Re1stions or to report slat or stolen c" 1-800-903-3637 For ft. .line aowunt savice and special a.toraw offal, log on to. www.capitalona.mm Send payments to: Send inquiries to. Attn: Resnittana Proonsing Capital One Services Capital One Service P.O. Bar 85147 P.O. Sax $5015 Richmond, VA 23276 Richmond, VA 23285-5015 Finance C•'wga Pfeare Xe re se lisdpoonf0 j.,portant enfW artmt dto r rat: C?APR d ?G$ 0o PURCHASES $4,099.81 .04082% 14.90% $5011 CASH $611.32 .04082% 14.90% $7.49 ANNUAL PERCENTAGE RATE applied this period 14.90% T PLEASE RETURN PORTION BELOW WITH PAYIv1ENT R~W 0000000 0 5178052278426453 03 3357700039000196007 New Balms $3.357.70 Minimum Amount Due $196.00 Payment Dne Date June 03, 2004 Total enclosed $ Account Number 5178-0522-7842-6453 III 11111111Idi1111111111111ur111still 2Nrmrprircernail3g dhn a? e-mailrbmsgr..irbvrwirs66hvw6tanEuc! Capital One Bank P.O. Box 85147 Richmond, VA 23276 So-ee Apt t cky Smm ZIP Home Phone Alo .c Phone EmaiAdd- #9012513561148551# MAIL ID NUMBER JOANNA L BALL r .o 924 WOODRIDGE DRIVE I N ENOLA PA 17025-1545 a ? PI-e -teyorn-oemuat nrmrber-ymtr rbak w money order madeprryableto CapitarOne Burk amd mai/in the enclosed cave%pe. peoplepu online \---, A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-7784207 Mention Offer Code: GARNET Or visit www.peoplepc.com/go/gamet Grose Psuiod. You will he- s minmu i grew period of 25 days withwt faurae do , - new purchsw, new balance transio s, new spa . purchaess and new, other charges If a yowu h u total 'Now Balance", in ccwdsnc a "want Nodw for payments below, and In time for it to be credited by your runt statement dosing date. There is no grace period m cash advances and special transfers. In addition, them Is Inc, foram peded Many g-Lactim if you do hat pay the toad Now 8 O p N b. A oneirhg Floor Charge. Transactions; which are not abject to a gram paled are aaadsed Amite charge 1) from She dote of the trarsactlm or 2) from the data the transaction is processed to your Account w 3) from the firer calendar day of the current bNinq period. Addirl Y, if you did net pay the 'New Balance' tan the previous billing period in full, famous congas uxrhtrte to acem to Yar upad balance until the upald balance 1s paid in full. file mess fire you maYy well owe $ ad Z-97= en it yw pay the wire New Balahw induced ot yor eutmmom by the next statement dosing date, but did not do ao fg the pravira month. Unpaid Snace charges are adtlad to the ode awgmam of ymr Acceunt. t c. Nhiirasn iihmas fror wadh bNWmg period that PecplePC is solely responsible for this offer, and is not affiliated wlhh Del One. Capital One does rat provide, endorse a guarantee, and is rot affilated with, any product or service shown here. Any bademarka mentioned herein am solely owned by the respective entity. All rights reserved. By responding to this offer, you may be commuriicaling information about yeurseff to the company that provides this product - for example, that you are a Captal One customer. 'PecplePC Online: Fast 3 months am billed at $3.91 per month; $995 per month thereaw.. Offer available to new dial-up subscribers at least 18 years of age and may not he redeemed with any other other. Offer sheet to change at any time. Phone technical support available for $1.95 per minds. tAccelerata's free for 12 months. Offer good for limited t'vne. After the fist 12 months, the Accelerated service will autorratically revert to the standard PeoplePC Online service. Offer subject to change at anytime. With PeopleK Online Acceieraleq certain Web page tart and graphics will bad faster when compared to standard dial-u;1 Internal service. Actual results may very. PeoplePC Online Accelerated is only co pallble with PeoplePC Online Internet service and specified Window* browsers. PeoplePC Online Accelerated is rot compatible with Wihdows® 95 with IE 5.5 SP2. Service not available hall areas. Access fees, taxes, and otw fees and restrictions may apply. Telephgm tog charges may apply, even during trial periods. You are responsible for detemidng whdher a call to one of our access numbers will result in telephone tall charges. Access may be limited, especially during times of peak usage Dial-Lip numbers may be cheged at Peo*PCts discretion. Continuous use subject totimeout procedures AN use is subject to PeoplePC ONine's Services Agreement and Acceptable Use policy. 56K is the maximum speed of service; actual speed may vary. ® 2008 PeoplaM Inc. AN Rights Reserved. PeoplePC Online and its logos are trademarks of Pw*PC in the U.S. and other countries. ® 2006 Capital One Services, Inc. Capital One is a federally registered service mark NI ripens reserved. bedgrr afr-q- wrorw W ass amamerS, caw Trio the trail-criers to aac f seeagcnhwaeL anted psyat?hrys nn?ew "Credits. (H the cede N appears on the frfmr? [ of Hst er ilit"KnOnt next to "Balance troop any trpdd lkhsoe Charges Apgar In the bdsrhw " of each ) Tbls eves W the daily balance of each sogmem I rwn,K we add tip all the doily balmose for each segment for the bNbg parted and dvido by the total number of days In the 6(lig pwbd. This gives us the e daily below Of each aegfermt 3. MsWW Psromags Races CAPRI. s. The teen 'Annual Percentage Rate' may appear as APR' on the from of this stmentrom b. If the rods P (Prime), L (3-rna, LIBOR), C (Certificate of DepoeiU, a S (BaNUwrd Pdmw) appriere on to from of razes arid may vary on the ss y maaeau to you. on coo flirt day W ot you your periodic statement ending d, July and October. -mo. LIBOR) or 0 (3- smmmrm rot W the pemodt mtefs), the rates anal ANNUAL I'EAC?if a TES may , or clacreasa based an the s malted kdcea, as mfo d 771e W ff SYmat Jwahal, plus the margin previously disclosed to you, Tleeae dhagea AN be effective on the first day ot you icing pemod each month. 4. Aaaafareat of late, OvaiNt ad Retuned Poymaht Ewa. Your account WN be assessed no more than two of the fees listed here that cemir during my Wing period. Under the terra of your customer agreement , we reserve the right to waive or rat to Frames my fees vrithan pprior noti/canon to witthrrt waiving our right to aasm the same or similar eta Imo urns. 6. arwbq Your I If a m vo fee appears on from the iTors ron of la IN. summers, you have 30 days the days ipayi t car tub ham such was f mailed to you to if avoid you paving g the fee or to have a dh fee ridted to you td, you may if nue tod use?r a membm" feel your can account without moo having to pay to your account, you mast ratify us your tieng our Customer the Department and pay yo New Balance" in theclu (excluding the ng m¢nWeaH foe) prior to the enf 11 and of (ex of the tirtydey period. 6. N You Class Yes Asaamt. You can regtres to does =account W calving our Cianomer Rdatiorr rtment. you must deartroy your credit cardia) and accost access checks canod all pmuthodzed biting, and mace unrq your eocoutt. If you do not caned pmauthodzed Wing an=ere a, we WN consider err ? charge autlariZed- to reopen your Y Your account will not be did uttN you pay all mouna you eve us Yhdrhdng: any transactions you have aWaazad, Ana- charges, pars due fees, 0-M.It tied, retuncd peymm fees, ceah adva ce fees and any titer fees assessed to your account. You am responsible far these amounts whether they appear m your atom at the time you regnam to does the account or they am Incurred subsequent to your to does it. account. a on our aeeoun after - may mauls I. your accemar nt if it has already been dosed For example, H you au zod a purchase from a mac ant and m receive to marwar m from the merchant after your account has been closed, your axwrc will be reopened, the armhouaht of th:=r.- added to yar aranuK, ad mil are PaYmrrnt. If there fe a fee for , ts Vueyouirerd?t, to fee lawwill . seal uar so drsrgped axons balance has boat din as t came above. 7. tft4 Y Yw card er account canon be used in mrr co nedion action will shy Internet gmbNng trasaalone. S. tattoo Abort Elooku ie Cheok Cmvaslen When you provlds a check as payment, you audhodm us altar to we information from your dtadt to make a orm"me, electronic fad trahafe from your bark accost or to proms the payment as a chock transaction, When war use information from your check to make an electronic kid transfer, funds may be withdavm from your bank account es soon as the same day war receive your paytrsrt, ad =. I rat receive you check back lean ywr IkhahdaI . BILLING RIGHTS SUMMARY (In Case Of Errors Or Questions About Yoe Bill 1 you tiWmk Ywr %l b wrog, or H yw need more Infamatlon -a trsneecd. or bill, wrhso--. ryrrets sheet as soon a8 possible at the address for bhgites or, m the from of this staemahL We mutt hear from you w later tan SO ddaeyyss after vm sat you the flm fig m wihkh the error or paodem appeared. You can call our Cumo mw Reladore nrmhber, but doing so will the preserve your rights. In Mr titter, " us the follovdng information: your none and accont number, the dollar amount of the suspected error, a description of the emu and an expWrton, if possible, of wihy you believe them is an error; er if you reed more inkhmsrron, a description of the item you am usae abort. You do not lave to pay arty mast in while h- am InvesiP* k, bur you am evil ohl tied to pay the parts of yar dill the are nx in qudtlorh. we Inveaidam ynut r}reatbn, we rams report you as de or take ary actlah to mNect the ount you nquart question. t,t Special Rule For Credit Card Purchases If you how problem with the quality of property or he- services that v)hd In you puctased with a credit card and you how tried good folds to correct the problern with the you may have tie right not to pay the remaining moot die en the Fly or services. You hove this prMOCton only when to purcfrea pIw yet home can mom then 100 ant the of you a was made a nor or apawmhat camas mNes of your wm&V o address. we oven or iled yo.u the the macme, or If f or advertisement for the properny ty a senvlces, all purchases advertisement am as red regardeea off amarm or locad- of purchase.) as rwmemban tv of; all wrmepod-ce. t Ara not apply to cowa+mrer n.-aerrr card --#,, f Ohxa net apply m ausi- non mdt carts eccrmm On s- man To apgmaal of yahr Orr spports Information privacy protection: sal our at wow. die registered iourvioe mark of Capita erhdel Corporetlen. All rights served. w 2003 1 === .50, we II subtract arneuirl firm the $0.50 mhimun and the difference will be blood to the purchase -7. oT yew account, t d Temporary Ittladisn In Firma f9urga, We rhsarce I. Fight toppeehri?m omas any or all finance charges for any given 2. Avaags gaaLr Bob- I N. Pusahesasl. a. Finance dirge b calculated hnt Virg the doily balance of each segment of you account (e.g., cash advance, purdroe, special trailer, and special purchase) by the mmmspo dng dally periodic Fatale) that has been previously disclosed to you. At the vend of each die du' aegnem o7 yourmat the dellyYq?belancec orate for f Bath Than at the arid of th bill yaaudr up tmreaults ot tree dally edoletloro tope Mme or pemlodc Aromhm dirge for each setfmbrt. We add uprt the resits from each s gniO t to arrive in the total periodic Ana ce, dirge for, err Account. To get the dally balance for each aepnem of ywe account, we tees the begl-kQ balance for each segem and add amry new transactions and any ppeeriadc Lance dirge m eted an the previous day's balance for that segment. We then subtract my I N= or credits posted are of that day that are aRocated segment. This gives us the separate daily balance for each aegnm of your accotan. However, if you ppaeid the New Balance shown on you previous statement in hl (or if your new, balance was zm or a credit mourn), new transactions vAich pmt to your purchase or special purchase segments are not added to the daily balances. We csWate the average doily balance by adding all to daily balances together and dvidbhg the sari by the comber of the deya In to current, bMhV cycle. To calculate your total thence change, nr ltpl V. average daily bd.. by the daNy periodic rate and Ey the member of days In the billing Perbd Due to rsadrg on, a daily basis' ere may be a alght varianhm batvreh War caloiationand the amount of finance dirge oetualy asaeased. b. H the code 2 w N appdno on the from of t is satmm next to "Ewe ce Roe Applied To; vve multiply, the apatat Nw"1dr Paynmahts you marl e w wlo be cmdted to Your account as of the business day we recer- It, Provided (1) you sand the bectom portion of his autmm and your check Payments mwivetl M r by tae atrwobpa r (2) Y or paNmam Is raw(ved In ou powsairg cats by 3 p.m. ET (12 man PT). Please allow at baat five (5) bWhrss days for P= ddhverY. ary odor location or In my other form may not bo credited - of he day war recd- rhhm. Pa bwkess days am Monday though Someday, Nays. Has do rat sae rtapks, =r, etc. when prepaFin your ==:n en nd w a chock(s), you auhorize w w make a one-time electronic transfer debit firm - bank accarrt for U1o aneVm of This autfadzaaon appfec raceiverl dakg the icing cycle e-rh if arrt by srnaare oka. N we want process; the transfer, you authorize us to make a charge against your bank account wing the check a paper trek or other i[m. / First 3 months half-price 97 4 a month; $9.961mo. Umreaftw =FREEAacelerstor' SIGN UP TODAYI ALB ODRI RIVE ' 1877-778-1207 PA 17 Mention Offer Code: OPAL Or visit www.peoplepc.corri/go/opal Account S Previous Balance $3,357.70 Payments, Credits and Adjustments $282.40 Transactions $1,912.15 Finance Charges $73.82 New Balance $5,06117 Minimum Amount Due $196.00 Payment Due Date July 03, 2004 Total Credit Line $5,000 Total Available Credit $.00 Credit Line for Cash $1,000 Available Credit for Cash $.00 At your service To call Customer Relawns or w report a loot or stolen card: 1-800-903-3637 For free online:coma:trice and special outomc offers, log on to vrnw.cepiblonamm Send payments to: Attn: Reraittanee Processing Capital One Services P.O. Ro 85147 Ridrmond, VA 23276 Send inquiries to: Capital One servim P.O. R- 85015 Richmond, VA 23285-5015 003 peoplepc- online %-/ A better way to Intemet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerTM Spam controls ® Smart Dialer ® More Email Addresses ® Internet Call Waiting PLATINUM MASTERCARD ACCOUNT MAY 04 -JUN 03, 2004 5178-0522-7842-6453 Page 1 of 2 Payments, Credits and Adjustments 1 04 MAY ELECTRONIC PAYMENT $147.00- 2 17 MAY BOSCOVS #78 CREDIT 25.9- 3 17MAY BOSCOVS #78 CREDIT 45.95- 4 17 MAY LERNER NY INC 0808 CREDIT 63.96- Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment, pl- accept our thanks. Transactions 5 02 MAY LIZ CLAIBORNE OUTLET # HERSHET PA $31.99 6 02 MAY PFALTZGR 00000661 HERSHEY PA 17.78 7 02 MAY OLD NAVY #5348 CAMP HILL PA 148.00 8 03 MAY BURLINGTON COA00001693 HARRISBURG PA 198.96 9 03 MAY AC MOORE #013 HARRISBURG PA 7.72 10 04 MAY GIANT FOOD STORES #S1A ENOLA PA 37.91 11 04 MAY BOSCOVS #014 HARRISBURG PA 117.72 12 05 MAY BOSCOVS #78 HARRISBURG PA 25.49 13 05 MAY LERNER N Y INC 0808 HARRISBURG PA 229.12 14 05 MAY CVSPHARMACY #2321 ENOLA PA 33.16 15 06 MAY GIANT FOOD STORES #S1A ENOLA PA 17.26 16 06 MAY RITE AID STORE 3611 ENOLA PA 11.96 17 07 MAY CASH ADV. 01 ENOLA RD ENOLA PA 101.75 18 08 MAY OLD NAVY #5530 STERLING VA 89.33 19 08 MAY READING & GREETINGS ENOLA PA 40.44 20 09 MAY GIANT FOOD STORES #S1A ENOLA PA 30.00 21 09 MAY HECHT"S #29 CAMP HILL PA 26.49 22 09 MAY OLD NAVY #5348 CAMP HILL PA 17.50 23 10 MAY THE HOME DEPOT 4120 MECHANICSBURG PA 78.78 24 14 MAY CASH ADV. ANK/742 WERT ENOLA PA 302.00 25 14 MAY FAMOUS FOOTWEAR #14204 HARRISBURG PA 69.98 26 15 MAY KMART 00091231 ENOLA PA 36.11 Finance Charges Pkwe w reoermiid e for important informettwnn r p o B Ea C ?dfn r.& APR GE PURCHASES 53,85011 .09082% 14.90% $48.72 CASH $872.32 .0408296 14.90% $11.04 ANNUAL PERCENTAGE RATE applied this period 18.76% PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 5178052278426453 03 5061270147000196002 New Balance $5.06117 Minimum Amount Due $196.00 Payment Due Date July 03, 2004 Total enclosed 5 Account Number: 5178-0522-7842-6453 Capital One Bank P.O. Box 65147 Richmond, VA 23276 Please ewiteyouraaorrnt number onymr ]Narrpt;,-dV ,fir-- Ar.mafce?#r,b<? gM omit . Sheet Apt # tart State ZIP Home Phone Alx- Pboae #9015613561146556# MAIL ID NUMBER JOANNA L BALL m 924 WOODRIDGE DRIVE ENOLA PA 17025-1545 :beck or money order madepayable to Capita! One Bank and mail in t& enclosed errztelope. r Anngplepca online 924 WOODRIDQE DWA better way to Internet. ENOLA PA 17025-1545 UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.oom/go/opal 8 0 O , I O N PeoPlePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any prodxt or service shown here. Any trademarks mentioned herein are solely owned by the respective entry. Al rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for exam de, that you are a Capital One customer. 'PeoplePC Accelerated: Felt 3 months of service are tolled at $4.97 a monttr, $9.95 a month thereafter. 12-month commitment required for PeoplePC Accelerated Mats-to-Monts pricing with no term commitment is $14.95 for PeoplePC Accelerated; $9.95 for PeoplePC Online without accelerator technology. Offer available to new dial-up subscribes at lead 18 years of age and may not be redeemed with any other offer. Offer subject to change at any fine. Phone technical support avalable for $1.95 per minute. tWth PeoplePC Online Accelerated, certain Web page teat and graphics will load faster when compared to standard dial-up Internet service. Actual results may vary. Service not available in all areas. Access fees, taxes and other fees and restrictlem may apply. Plane technical support available for $1.95 per minute. For questions, all t[i-free at 1.888-5TRYN0W. 02W6 PeoplePC ko. PeoplePC Online and the PeoplePC Logo are registered trademarks of PeoplePC, Inc. Trademarks are properties of their respective owners. All Rights Reserved. Service not syllable in al areas. Access fees, taxes, and other fees and restrictions may appy. Telephone toll dhorges may apply, even during trial periods. You are responsible for datennring whether a cal to are of our access numbers will result in telephone td charges. Access may be Invited, especially during times of peak usage. DW-up numbers may be changed at PeoplePCa dscretion. Continuous use subject to 6meout procedures All use is shoed to PeodePC Oninet Services Agreement and Acceptable Use Policy. 56K of the maximum speed of service; actual sow may vary. 0 2806 PeoplePC Inc. All Rights Reserved. PeopmPC Online and its logos are trademarks of Peol lePC in the U.S. and other counties. 0 2006 Copilot One Services, Inc. Capital One is a federaly registered service mark. Al dos reserved. CE begaaallg balance f each sagnam each traneacdas to each aogrrrart, and nbtrs a credits. (If the cc& N •PPBan on ling Statement naXt to "5alallCe "a" AAppppl1ed subtract any Unpaid filege charge itlutl of each s??ont) This gin- - the daily sogtrlenx. 7 hen, wo add hp al to iviy s rmbe, for the In billing the paled and divi I de ranh6er of days In the of sacpabd. resThis . averepe dally bdsrce o1-each eagna 3. A a. lance for the M4 usouas take the 'W., /, adpdayanyarllmaw receive the 1 account has Y tie riaatlledd ayynooluuolat i In the we belse et mernnbarafiP will dace f each o De derryP nose for each aceart Dais be total 7. =1 Your I ee ra the n can Rata may appear as rat- and AfffklAL PERCENTAGE RATES may vary gna!1WY may ktae-e or decrease bond on to stated Indices, -pfound h TM Wary West Journal , plus you? TtI gqhe= aonlhddppspN?VVu bshatfectivsoi disclosed it* Im olio and Ostate In t -.,he January, Apdi parlooll, -*V ctobe?r. c. If the code D (Prime), F (+1-pmpoe.a BOW or G (3-.. LIBOR Ropricod M=th." ms. on V. from s), Me podoodlc?at- UBORRe rice m tlho end corteabdtdna ANNUAL PERCFWAGE RATES may wry nerttiy and aY Increase or dace-e based on the stated kdices, as farad In The Wolf Street Jaanal, plus the margin pr&Aoudy disclosed m you Tloae ,iherhgea Will be effetxiw on info first day of your binp Period each morM . 4. Axaaasi of late, Overiait and Regan el Psymie t Fees. Yu aocoum will be assessed no mom than two of the feet filed here that occur dubg any billing period. Under the toms of Yea customer agreement, we rmerve the right to waive or not to axsse my fees rvithaa odor nodfieaton to you widhart waiving ous dW to axes the same or similar mss at a lacer time. (i.tAanaWig Your Aeon. If. membership fee appears on the front of this statement you haw 30 days from the date this statenem war mailed to you to old paying the fee or to haw such fee credited to yw If you cared your accent. Dung this period, you may continue t r your accocunt Without having to pay the membership e o cancel your eccwe you meat notify us boyu ceirg our Customer Rated" Detur me : a y your membership to the in of theett i rrry-day period. 8. N You Clogs Your Ao ou t. You can request to dose Zaccare by calling u Customer Rdationt Foment. You must destroy your credt cemfs) and account access checks, cancel all proaut horized bgfing, and cease udno yaa aocaan. 11ayou do of uncd pr Edzed firg artagenem, we will consider receipt of a therge your auNnization to atceuart. Addtlrxsly, your areout WII no he tl-ed =1 you pay all amouea you owe [s Inducing: any transactions you haw authorized , fiance charges, past due fees, owlllmh goes, rstVlyd payment Tam, cash advance fain and any odor loss assessed to your aocam. YOU are r-pondtle or these moues whether they appear w your account at the time you request to does the acootnt or they are Incurred subsequent to yea regt met to cox the accent. This may result in dsfgm app-rig on your a;xp after you haw section Iran 00 nimbant after ywr n closed, your arxmat will be rsopaed, he dwge_wi be, ded to your accaat, raporsde for ytrat- N tfarra is a for your aanut, the Ise will cemnne o the shoat psmi[[ad by law, until to hoe been Paid In fun o dolled above. snty" ceN or acmrt caaot be on with any Internet gambling B. Notion Abort Flecaoria Ch k Cawasbrt. When you provide a dock as payment, you authorize us dder W use hformadon from you check to make a one-time electronic fund transfer from your butt account or to proces, the ppao ymem ss a cock trasaction. When we use information fran you clock to make an electronic fund transfer, furls may be widdravn from your bait aocou t - soon a this sane day we receive your payment, and you will riot receive your clock back from ya flrandaI N18tllition. BIWNG RIGHTS SUMMARY (h Case Of Erma Or Quoationa /West Your Big) If yw tbi[ your b1I b -t or O you need moo hfor aton -9 trarrittlorh a bill, write to hs on a eepanne sheet -soon as possible al the sddro- Poi hQYn(m shown on to front of this statement. We moot h-r /rom you m later then 80 ddaayyss after wo sort, you the flea hill on which the error OF proWset appeared. You can cal our Qatomer Relations ember, but doing so will not preserve your rights. In your latter, aim u the fdlnvAng in formation: your name and axaat rsntber, to dollar amart of the s i pected error, a d-giption of the error and an ehplarrtion, if Paasble, of wruAhhyy you =0 theroefis an error, a If you need mors Infomtedan, a d-ctpbah the hem you are uhwrs about. You do not hew to pay any amount in question while we arc InvesdmHn h, but you still odep?sttoeddk peh?part of your bR that are not 4zsaton.l1nli ps your q?ra on we cerrhot repot you as delnquent or take any ectbn m colect tlr amount veu giesdon? t,t Spedai Race For Credit Card Phrrcases If yes hew a problem with the quality of property a -mc- that ===a credit card and yes haw tried in the problem with the merchant, you nay how the Fight not to pay the r-mining amount its on to ty or saMpCd-. You hew tie protection onithe purchase Pm wemade In ywlhortma ante o From than 050.00 and within 100 mks of Yount mall g address. Of we own OF operate the machat, or If we mated you to advoltsement for the property or services, al purchases, are cewred rogsndia- off amwn or location of purtltese.l Plea- rsmanba o I all wrreepatdence. t Doss not aptafy to zenwm a iron-rndit -W accwmrs t Does ,or apply to b sfnew rrom mor came xcusar Capital One euppots ntomnation privacy protection: see wr webaite at wwov.caphalpo court. Cap Ral Ona1Is a tederaly rolNtered seMc , mark of Capital Capital One 1 Coporstioe I rights AK 0 reserved a 2003 Ta. Grew Perfect. You well haw a minimum grace period of 25 days withort finance charge on new purchases, now balance transfers, new spacial purchases and new otter charges if yes pay your total 'New Balance , In aocoreanco Mith the hrponam Notice for paymaha below, and in time for it to be credited by your next statement Them is no grace period on cash advances and special tra elem. In addition, there Is no grace period ba balance any transaction If you do not pay this total "New .' b. Aoar[tp Finance Charge. Transactions which are not irpllonUla date of tllatraeattah o 2j from the =1 transaction is processed to your AccwH or 3) hen to fits calendar day of the current bNing period. Addb=ly, it you did net pay to 'New Balance hen the Preyfous Wfirg period h full, thence charges conUrae to actor to Your his you mu d yo unti l the uhpald balance Rs paid in hit. Tu may still owe finance charges , even if you pay the entire New Balance mdcated on the hat of your statement by the text statement closing date, but did not do so for the previous momh. Unpaid Mace charges are added le Vhe a sepnem of your Account. t a kiTriraan Fk -aauugqee?u,?,? For each togging period that tool Iiaccount 1. NANCE CHAT(GEtot 40.50 ce wwiB bertpoxtl. I7 No focal fiarhce ch. realtbq hen the a cation of your amour from sthe s>0.6- n 60, we 11 subtract t 0 mmirimmun and the difference will be billed to the purchase aegnern of your account. td. T-penry Radad6rt In Firma t7raga. We r-erve the ddht to not ease- any or ell anerhu clung. for any given biting ppeed?od 2. A== Baler flteI N Nsw Fishes-1. a. Rnmoe charge is calculated by multiplying the daily balance of each segment of your actotnt (e.g., uah advance, purchase, special transfer, and special purchase) by the corresponding daily pedodc race(s) cat has been previously disclosed to you. At the and of each day dl aegnerngoi leur,a?tahto the dailyy'?Ic ratr each aegnera. Thin at the end of the bigkg period, we add up 11e reels f t - dopy cI Arid ore m arrive at your periods fiarhce dugp for -ch aegnem. We ad,i [p the results from each segnra t to arrive at the total periodic fln moO Charge for your a«ant. To 9e1 the dailyy be?laree or each aepnem of -" aCCOalt, We take the cegnabg balance for each se0nem and add anry new trermctions and any periodic Amnee charge ated on the previous days balance or thin se4nent. We than subtract try paymets er creditsposed as o fiat day that am allocated to that sepnent. This gives us the separate daily balance Balance for each >shown your account. However, if you paid the New if your new Wants waszero or a credit mount in for transactions which post to your Purchase or special purchase segments are not added to the daily balances. We calculate the average dalhIyy balance by adding all the daily balances togeltm and driAng to un by the number of the days In to cuurrent billing cycle. To calWate your tonal da0 X rack ote and % yothe ur narver anti a dailye hain ce by the Period Due to ranting en a daily bads, Chars mathe y be e g slight -dance between We calculation and the moot of Mande charge actually assessed. b. N the ,ode Z or N appears erh the free of die Fern nt next to 'Balance Rate Applied To; We multloly the 15519M in> deed remfti Yw email o ce with loo aedite0 w your auxwt as f Vhe bualrhoas daY we raOaiw it, provihled (1) you sad to bottom pomah o tie statement eel your udhack Pa me racdved ensdo? and (2) Yes paY^nst is received h err prarwalno cats Dy 3 p.m. ET (12 roan Pn. Pbsee eMOw at bee flw (5) buahoas Gys fo p-tal delivery. yma by any atsr Ixstan a h anY otlor loan may not loo uadi[od - f to fieryy we raxlw Mein. Pr brain-e days sea Morh6sy Ww?h Smrds , wcd hdiM Reax do rho rw suples papa dips ac. rvhon preperkq your psymeat, W(teh you end ce a dhecltfsl, y accent or the ammtouah[ f Una dock This sudsFization apples o al docks received Yes aWhwiza ua o make a one-limo ebararJc [reefer debh hen ya?r Dank Ys. us to make a dwrgo ageist your bank eccourt uhkg der dock, a paper drat[ a filar f?arrm, ? blip cycle even if eat by xmooo else. N wo carrot prod-e Me transfer, Yw audwdza CapitalOne 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. 999-1101 Account S Previous Balance $3,357.70 Payments, Credits and Adjustments $282.40 Transactions $1,912.15 Finance Charges $73.82 New Balance $5,06127 Minimum Amount Due $196.00 Payment Due Date July 03, 2004 Total Credit lane $5,000 Total Available Credit $,00 Credit Line for Cash $1,000 Available Credit for Cash $.00 At yourservice To wB Ctisstomer Rdations or to rTwt a lost or stolen mud: 1-800-903-3637 For five online amwnt sm5ee and speaal oatomer offers, log on to: -.wpiGloneoom Send Payments to: Send ingwrin toe Attn: Ranithnce Proaasing CsPital One Sm o% Capital one Serviar P.O. Box 85147 P.O. Box 85015 Ri.bmond, VA 23276 Rid--d, VA 23285-5015 f o io PLATINUM MASTERCARD ACCOUNT MAY 04 - JUN 03, 2004 5178-0522-7842-6453 Page 2 of 2 27 17 MAY KMART 00091231 ENOLA PA 26.25 28 17 MAY MONMOBILI8 09655531 ENOLA PA 20,73 29 20 MAY TARGET 00012542 HARRISBURG PA 50.78 30 20 MAY CVSPHARMACY#2321 ENOLA PA 18,06 31 21 MAY FIND LEGAL FORMS INC TEL32393498" CA 9.99 32 23 MAY GIANT FOOD STORES IS1A ENOLA PA 45.59 33 29 MAY BRICK HAUS HARRISBURG PA 42.30 34 03 JUN PAST DUE FEE 29,00 35 03 JUN CASH ADVANCE FEE - - FINANCE CHARGE 14.06 You were assessed a past due fee of $29.00 on 06103/2004 because your minimum payment was not received by the due date of 06/03/2004. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 5178052278426453 03 5061270147000196002 New Balance $5.06127 Minimum Amount Due $196.00 Payment Due Date July 03, 2004 Total enclosed $ Account Number. 5178-0522-7842-6453 Capital One Bank P.O. Box 85147 Richmond, VA 23276 Pra+epeinr,ea;Lngmbb--./ rnraIeh-grbe6 -gb6aorbtak.L steer Apt # ury Stm ZIP Home Phone Alnarnate Phone #9015613561148556# MAIL ID NUMBER JOANNA L BALL 924 WOODRIDGE DRIVE ENOLA PA 17025-1545 Please witeyouraaoarrt number on your tberk or money order madepayable to Cafitd One Bank and mail in the encfosedenarelope. Capitalone® what's in your wallet?- The steps to maintain your good wadi[ am pro4ded by Capital one, in con(uncdon with Consumer Action (www.consumer-action.orgl. O zoos Capital One Services, Inc CaPkal One is a federally registered service mark. All rights reserved 15519M lrrpatas NslioK Payments you mall to us will be txedted to your 7x as of the btNnew day " --I- it, Providod (1) you aetd the bottom pardon of dds atmemem and your ,hack In dha Bndoaed refnittBllOB dwelope hd (2) your paymaru la mwlvad h our proL7ecairq terser by 3 p.m. Ef (72 noon PT). Pla- an- t least five (5) NW- tkys for postal ,egos Pleanae do not use su at eny other bcatlm a 11nn any otlter fans may not 6e credted_ ae of dte dsyy wa mcelw t-. Qr bust days sm Maffiy tirou?t Sahrdey, waludng haHdryays. pbs Asper dips da when preparkp your prymam. yVlndn you add w s d- s), you auttodza us co, make • -dme ektccraric tramfa dabtt from your back accdart for dns atrroun[ of dna ,reek This auhoti¢ation appfas [o aI alecks recdved duirq the bang cyde even if _A by sanwne else. If _ c t pmceae the trarmfer, you euthodza us to make a charge against your bark a-u,, using the ,heck, a paper draft or oil- item. ?/ Account S First 3 months half-price $ 97 4 a month; 59.95/mo. thereafter SIGN UP TODAY: ' 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.corn/go/coral Previous Balance $5,061.27 Payments, Credits and Adjustments $250.00 Transactions $83.06 Finance Charges $60.50 New Balance $4,954.83 Minimum Amount Due $148.00 Payment Due Date August 03, 2004 Total Credit Line $5,000 Total Available Credit $45.17 Credit Line for Cash $1,000 Available Credit for Cash $36.63 At your service To call Customer Relations or to report a lost or holm card: 1-800-903-3637 For free online amount service and sp-A wstomer offers, log on to ww -pitalonacom Send payments to: Surd inqu'uin to: Attn: Remittana Proo-ig Capital One Services Capital One Services P.O. Bo 85147 P.O. Boz 85015 %Arnond,VA23276 RL&roortd, VA 23295-5015 peoplepc- online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerTM Spam Controls Smart Dialer Phisher Security C Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 JUN 04 - JUL 03, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 11 JUN CAPITAL ONE ONLINE ACH PAYMENT :250,00- Transactions 2 04 JUN OVERLIIVIIT FEE 3 27 JUN PIER 100008409 CAMP HILL PA $29.00 54.06 Flnwee Charges Pleeuene reverseJidefor important information . d. Caresp AV WSJ N dto ; t PURCHASES $3,972.05 .09082% 144.9090 % 548 64 CASH $%8.56 . .04082% 14.90% 51136 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT C- 0000000 0 5178052278426453 03 4954830250000148008 New Balance $4.954.83 Minimum Amount Due $148.00 Payment Due Date August 03, 2004 Total enclosed $ Account Number. 5179-0522-7842-6453 Capital One Bank P.O. Box 85147 Richmond, VA 23276 IIIIIIIIlllloll Iloll 1111111111111llllfllllnlllllll'IIIIIIII'II Plea, ttnteymeraaonart nWrber onyo PY,-,,-re_' a;,LA-a,V- e-ewilcAmsgrbe( _."W orM ka'k steep Apt i R'y Snte ZIP Home !'none Akemaa Phone #9018613561148553# MAIL ID NUMBER JOANNA L BALL e 924 WOODRIDGE DRIVE N ENOLA PA 17025-1545 e o IuIrI ull :beck or money order made fayabteto Capital One Bank and mail in the endaned envelope. r peoplepc- online \---, A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY: 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.conVgo/coral PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, cal toll-free at 1.888-5TRYNOW. Service rat available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeoplePCs discretion. Continuous use subject to timecut procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. Al Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. C 2006 Capital One Services, Inc. Capital One is a federally registered service mark. Ali rights reserved. in"- eOn- O b O balance transfers, new special purdteaoe and new other dragea if you pay your total 'New Balance', in ??ir imo wfoirtlrrN to ebe?bNOtlce for paymems baiow, and tlas There Is no by your next statement cbakq grace period m "all advances anti spacial treaters. In addition, them Is no grace pared =tan m My era sactim If you do not pay to total New alance. ' b. Aoorulti Fines charge. Transactions vvNch are not abject to a grace period aro aaestod prance charge 1) 3. A tan the date of Ufa trasacdon or 2) from the date the a. trasxtion is processed to your Awam or 3) from the fist miendar day of the ahem t4fing period. Additionally, b. ityyoouu did not pay the -New Bal.- from the previous yb++n9 mass balance . ? charges mime to atxne to Tics tan yy unpaid balance is paid In full. tie entire New BManm o%n finance Indicated m the front t it you pay yon statement by the next statement dosing date, but did rapt do 60 for to previos month. Unpaid flnace charges M= d to to applicable aegnentt of you Ascent. t c. Fit-- rya. Far each bilrg parlotl Uat tress ine eTcation of wear palockc rate(a) la em tian 0.60, we win arbtsn t amount from to $0.600empkinnm and the dffemhce win be billed to the ecount. 'td Tanparay purchase In Flrroao=. reserve the 4a not assess any or all Names charges for any given N ? % Qp aarerrnernr, YIB tare tre transactions to each balance of seeagneeane;Qnand at each obyn adpdaysmlYOrnaosw e any or CrOdlas. (if OW code N appOW; on the front Flats Ap attract any upaid finance chisliv In pRaO the balance of each segnaa.) This gives us then daily of each segment. Iran ws add up all tha daily balances for each segment of days In ? fill od and dl lde by the total verage daily r balance of each wg ma This given ue rite aaaral Pao-tW RMes IAPRI. The term 'Ansel Pc=ge Rae' may appear as APR' on de tent of this aae wand, It the code P ('rime), L (3-mo. UBOR), C (Certificate of DepoeiU, er S (Bericcard P&W appears on the from of this statmm next to the periodic slate), the pence 6 rasa anti reappgrhp ANNUAL PERCENTAGES r vary quay r[aly and my Increase or decrease based on to stared indices, as found I. The Wehf SYrear J-W plus the margin nap 'wady disclosed to you. These ?,?4 wdi bee on the fires day of your b)tttg ?'"^' covered Dy Y°w Parlodic eretenratt ending -- rhexa to the periodic mes(s), the rates and con-poning ANNUAL PERCENTAGE = may vary monthly and may kMw or docrama based on the sated Irdces, as food ti The we# Sheet Jmsnd, pis the margin prevbtdy disclosed to you These changes will be effecdw m the first day of year bang period each month. 4. Ass a.. mark of LMa, Ovrlnit and Rahanad Payment Fans. Your account cal be assessed re more than two of the fees lied here that occur during any billing pared, under the terms of your customer agreement, we reserve the right to waive or not to assess any tam without pror notification to :thou wdvtg our right to assess the same or smiler at a later time. 5. Yar Aoeous. IT a membership fee appears an the hest oft a Statement, Vol, have 30 days from the date tie statement was mailed to you to avoid paying the fee or to have such fee credited to you If you calmed your aecoum During this period, you hey camMU to use your accent without havkp to pay the mmberMdp fee. To cancel your amount you must reify us W cam err customer nations Department and pay year 'New Balance' in full fexrhrdng the membership fee) prior to the and of the ihinyday period. 6. 1=account 1yyou Cosa year Aeosutt You can rRepeat to dose t. You Rmust im tea pdamer alatiars our y your credit unite) and account atoms checks, cancel all preauthedzed ailing, and tear urai? your ap0arn. If you do rat caned preauthorized ling etengonms, we will consider receipt of a charge your authorization to rer year epcoun. Additionally, your aeooumt vAl not he dosed Tart you pay all mama you owe us Including: any trersactiors you haw sudedzed, finance charge, pea due foes, overimh sees, natured Paymm face, cash advance finis and my otar fees sam soli to your awoutt. You am responsible for these mama vvhether they appear an your account at the tine you request to close the acmes or they am incurred subsequent to your repeat to daas de access. This may result in cihergea appearing an your access aft. vou haw ;XW accent if it has already been closed. For example, 11 ceve the t?ra?irwtiat?from? theme mad a aftr)wrr a merchant re account has been closed, your ecooua wit be reopened, the arrant of the charge wfil be added to your scout, and you wi be responsible for payment. If the is a m p fee for your acmnt, the fee will carMmp to be charged. ta the e?tert pemitad by law, until the awarrc rca has been P+it In h u tlslYad above. 7. Vsin your Amout.Yw card or accent carrot be in connection with arty Internal gambling transactions. 8. Notion About Elsatranhio Chook conversion. When you provide a deck as payment, you audedze y ether w use inlo rnalon from your chock to make a on"ma .1-trodc fad trensfo from your brit account or to process the payment as a deck transaction. When m use Infomabm from year deck to make an dectreric Nand transfer, furls may be withdrawn from your bank accent as soon as the same day e receive your Paymam, all you will not receive your deck back from your rnhahciel zmwlun. BILLING FLIGHTS SUMMARY (h Case Of Bros Or Questions About Your BilD If you Link your b b wn a If youneed more Infortretlm me trenractlah p bill, write to us m a sepasta sheet as soon as possible at the address for ingulrka all, an the frog of d" atateramr. We sad fear from you no later then 80 deya alto we sent you the first bill m whit the error or problan appeared. Yalu can mil our u'.lalemer Ralatipe amber, but doirhg a will rot preserve your dyhb. In your latter, give us the fonowing infantatm: your name and account ember, to dollar amass of the suspected error, a doscrytim of the error and an epiastion, If possible, of why you bonew there is an ermr, or if you reed more hnfonnsthon, a description of the hm you am usus about You do not hove to pay any amou t in to xn while we am inwMgM m k, but you MB ts[ as rot litiestion still rstedb oP y the parts of 'your In . r 1 You ss d'a or toany act o ncoWa-t the t J Special Rule For Gait Card purchases If you new a pmblern with the quality of property or services that you purchased with a credit card and you how tried In good faith to correct the problem with the merchent, you may how the do not to pay the remaining mourn der my the property or asrvicm. You how this I-- n i50. and lho pudamthe p?daromeaa piss was mom then wiWn 100 miles of your hears, o Mesa or your mat der bnB address. t vw ne own er operas the morcfwx, or if we malW ted you the advadnemam for to propety or services, all purchases Q." ra0 re(prd - o meta t or location of purcmae.l m remember se sigh all wmmpo dace. t Does not apply to roaamer iron-cmd/t card -007Pta t Does not apply m dalaess non-cre,At card accooots '-'Wm One supports information privacy wvtwdm: see our webalts a www.gphelaha.mn. =ox I a federally mgleterod service mark of Capital Capital One Corporation All rights reserved a O2003 L&tK z. a Rnmicewc arrge?m p/ated 6y t?a/tpl l daily balance of each ssghhm of your account (e.g., cash advance, purchase, special transfer, and special purchase) by de mtespaaing dally periodc rote(s) that has been prewoslyp&.closed to you. Al the end of each de the segment of your weccoapply the t tto the dagj,?baiaimc rare alp the segmenlb?ta the en col."Z` opM n yadd up c lfnalm rite fo dd up the results from each segment to arrive at the total periodic linens charge for your account. To get the dallyy !;?lace for each segment of yes accent, wa take to Olgiming balance for each segment and add mMry1now tranaactior and any p?etiole finance charge ca tenated m the previous says belanoe for that segment. We than subtract any payments or crackle posted as of diet slay that am allocated to that segment. This gives us the separate daily balance ser each aegm n of your account. However, If you paid the New' Balance all- m your previous statemem in fun for If your raw balance won zero or a credit amount), Thew transactions Wich post to your purchase or special purchase sepmwnts am rte added to the daily balances. We calculate the average deli balance by Wdrhg all the defy balances a der t e and cking the sun by the -bar of wtoe chaIn the curnalt rge, mUtplyy N?.fd year +qe der ry lelao mete firdaay pedodo rate and by the number of days In the billing Period Due to rounding m a daily basis, ties may be a sigh variance between this calculation and the moumt o/ fi- cisrge actually assessed. b. H de cads z or IN appear on the frors of this suhmmt next to 'Balance to Applied To; we multiply the lath es Netim P y you and to uswill bepa?vdsd to your atzout apsrouof mtheal t uM day" swiw k, govkbd (1) you sad t o beam pordo of this sutetem and your check ahn o h and !d your I ?m is r form h w fie re terse Dy 3 pan. LT (12 Theron PI]. Reaw allow at bast flw (5) besieas days fp pawl dog I'm Fe-Ind by es %Ynhsee a r Is n any other locatlwh or n any other tun may that be credited as of is dayy ?wa receiw tern 0. bd.- days ere k Mord. through ??ardsY, exckraq hdidryeys. Pse+. p°P°r pqa ac. hvhen fxWarkp y paymas. When you aercl us a deckle), You auherha us m make a ors-time ebtzraic transfer tlagt Tr.n your ban accord to tie amm?ws of Ina Ghack This aWsriza[ion appf? [o s1 Ghaeks remvaf during the bang eyrie ewe if sere by someone else. If wa cannot pre-as is transfer, you authorize us to make a charge agaist your beak account using the check, a paper daft or oiler atom. First 3 months half-price 9 4 7* a month; L?ereatter SIGN UP TODAY! ' 1-877-7784207 Mention Offer Code: JADE Or visit www.peoplepo.com/go/jade cqp?ftw Account S Previous Balance $1,954.83 Payments, Credits and Adjustments $.00 Transactions $117.76 Finance Charges $63.98 New Balance $5,136.57 Minimum Amount Due $102.00 Payment Due Date September 03, 2004 Total Credit Line $5,000 Total Available Credit $.00 Credit Line for Cash $1,000 Available Credit for Cash $.00 At your service To aB Customer Rdrtions or to report alost or stolm curd; 1-800-903-3637 For five online aavunt service and special customer offal, log on to www.apitaloneam Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Services Capital Onesavicet P.O. Box 55147 P.O. Bor 85015 Richmond, VA 23276 Richmond, VA 23285-5015 peoplepc- online \_/ A better way to Intemet. PeopiePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection Pop-Up SlockerTM Spam Controls Smart Dialer Phisher Security ?P Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 JUL 04 - AUG 03, 2004 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment, please accept our thanks Transactions 1 05 JUL HECHTS #29 CAMP HILL PA $42,24 2 15 JUL TARGET 00012542 HARRISBURG PA 17.52 3 16 JUL OVERLIMIT FEE 29,00 4 03 AUG PAST DUE FEE 25,00 You were amassed a past due fee of $29.00 on 08/03/2004 because your minimum payment was not received by the due date of 08J03/2004. 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 Plcare rat reverrr ride jor imfmtarrt infra-asm io Berl prate Piwk d? EE PURCHASES $4,086.30 .04062% 14.90% $51.71 CASH f96919 .04082% 14.90% $12.27 ANNUAL PERCENTAGE RATE applied this period 14.9096 PLEASE RETURN PORTION BELOW WITH PAYMENT C_ 0000000 0 5178052278426453 03 5136570250000302000 New Balance $513657 Minimum Amount Due ,$302.00 Payment Due Date September 03, 2004 Total enclosed $ Acoounr Numbs. 5178-0522-7842-6453 Capital One Bank P.0. Box 85147 IsIIIlnlrlrlullutll Richmond, VA 23276 IuIdullntltllurltllullnrllnJlnlutlldnlludlulrl Pleare switeyorrr a a wnumber orsyore ptemrprie['ngeddersa r-mailcJ,mgrs!! mindNvrorbtaal irk Sneer A,,, I ZIP M-, Phone Alkmak Phone #9021713561146556# MAIL ID NUMBER JOANNA L BALL EIMI 924 WOODRIDGE DRIVE N ENOLA PA 17025-1545 ° ? IrrrlllttrllLrrrlLl?I?LrrrilJrLdrrlrLLtrlrLLlLLrll hffk ar money order madepayable to Capital One Bank and mail in the enclosed envelope. r peoplepr- online 1__`1 A better way to Intemet. JOANNA L BALL 4 DIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: JADE Or visit Www.peoplepc.coml/go/Jade t a. Draw Period. You will how -a mlNmarrh grace period of 25 days without Rrancs theTl m new purchases, new balance transfers, now apecia punt e I and raw odor Barges if you pay your teal New accordance Y4 ga Imporam Notice for payments below, and h tine for it to be credited by your next statement daring date. There is no grata period on cash advances aM spedof transfers. In addition, bare is no grace period on any treraa don if you do net pay the total -New be.-. b. Areuyg Burros charge. Taraactiono which are not assessed from the date the am ghee to a dato tartaroacdon o In i) torneecdon I. processed m your Account or 3) from the that calendar day of the mrrem billing riod. Additionally, tyl.n u did not pay te'Now Bag pe",4 In Tcl, trance aped ants util the mesa gat You may stilif pay the afire New Beanes Itxicated m the from of your statemem by the next satprant dosing date, but rid not do so for the previous month. Unpaid ibn Barges arc added to the a sePnertt of your Accarrt. t. Mihmasn Fire Pon se. biro paled that g 0 O a^D o m O N Peoplat is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown hoe. Any trademarks mentioned herein are solely owned by the respective entity. Al rights reserved. By responding to this offer, you may be communicafing Information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Plane technical support available for $1.95 per minute. For questions, call toll-free at 1-877-778-1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for detemninetg whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up hunters may be changed at PeoplePCs discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. W is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other, countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. Al rights reserved. Ming Period covered by tlha sta[ahes, we take the ?.- SePawg baance of each frog aes each day, yadp my new, or Of the 000 N appears qMppggYeasdfmnnt of gassubtract any unpaid maws change (induided In do balance Ima W 'Bounce Rate To,- wo also of each sepnas.) TN. gives us Nce us do daily balance of each eagnem. l tan, we add rp N to dolly balancer for each eagrnem for tle burg pa and dvide by the mod number of days h the Blip pabd. TNs giwe a t e e 3. Annual Per dWly list- of each segnart. Rata fAPRI• a. Ths tam -Amurol fbrcerage Rate' may appear as APR' on the frws of this etmemanL b. If the code P (Pram), L (3-mo. LIBOR), C tCerdtcava of Depoeh), or S (Bankcard Prim) appears on the front of this statement next to the periodic me(*, the palodc =* .and aappr?rq ANNUAL I'MCENTAG RATES rosy Vary gtotrady and may ktaeae or decrease based m the a Indices, so fool In The Wag SYrsar JanzM, plus the mar¢nprav?'seely thOrder d to you TTase dtagps wil bee m to first day of your bi1Yg period covered by your Pedadc satanars -ding In true motihr Jarsarv. April, JuN and October. G. IT are cow V g'rene), F it tire. LIBOR) W G (3-mo. LIBOR Repriced MamNy) .ppaare on the fret of your stmerhant nee to the peraodc rt (* the ?dodc rotas and mrrap7a ANNUAL POICIEWAGE AATES may va,=7a y mortii and may Ferree se er decease based on the true merge prevtouwy dacaaed m you These dwgea will be w m the oat say of Your biro pobd each month. arch. 4. Aawsnwd of Leta, Overlndl and Returned Payment Faso. Your account VAN be assessed ne more than two of the ices listed here that occur during airy birrg period. Under the teen, of your customer a{rernem, We rceave the right re vmiw or not to aroma any lace withem yNW noetcatim m wfehort waivhq our right re area the same or Amiter, at a late tlrnre. 6. YourAeosae. If a membership fee appears m the front of 1Na allotment, You have 30 day, from the date this atm onan was mailed to you to avid paying the fee or to have such fee credted m You =nod carod your acmM. During 11i, period, you may corrtiare to use your accouu Wthout having to pay the membership ice. To caned Your account, you must notify us by caing or (]stoner Relations Department and pay your -New Balance' in to (excluding the membership fee) prior to the end of the thirty-day, period. e. N You Close Your Aeooas. You can request to dose Yyoouur account by calling or Customer Rd= Oepertmem. You must destroy your credo cardls) and account aceme decks, caned all precut odzed billing, and coax .udak your account. If you do not cancel presudeizad bglirg aegemda,. we wig consider receipt of a charge your aurMdzaem to reopen yeW atxert. AddtlaaNy, Your exam wit not be tlmed taN You pay all amhorm Yid awe rs Inckadrng: arty trahactloro you haw authorized, Aorta dsrgm, pest due fen, overllmh fem. returod peymmt less, cash advance fees and any other face assessed to your account. You am rcepoeble for sea amour, vNSther they appsor on your accotnt at the time you request to does the account or they are Incurred subsequent to your repast to door the accent. This may result in cargce appearing m your accost after you law yoyurouaud axcurrerizif Wi[ ahes purcMa.ireedy beanadmosed. Forand examneple, if the merchant t aft rewire to transaction from the count after your a-unt has been dosed, your account will be reopened, the amount tmotn[ of ifawi be added m your accourt, and you will be for payment. If dare 1e e membership The for your accons, the fee cell continue to be charged, to the siaem by law, umi ga acrwar bdsrce too bean k !U one dahad above. 7. Yar Aoseut.Your card or account carat be at cereecdorh vvfdh any Internet gambling trarwadone. s. N.U. About Eleobaio Cheat t?ornrersbrr. When you provde a lock as psyn you atielze us ehler to tta krformotion from your deck to make a estime electronic fad trarrefor from your bank Bernal or to procoa the Payment as a dock transaction When we use hPormoum from your dock to rake an electronic fund tramter, funds may be withtravm hen your bank aacura as Boon ae the sane day we reCeIY9 youf peyruont, and you wal not receive your check back flan your flretfal institution. BILLING RIGNrS SUMMARY (h Cass Of Errors Or Quart" About Your 519) If you oink your bN a wrap, W If you road moue infarmatlon m a trereadbrn a bill, write to us on a s am sheet as soon as possible at the address for hgJrise shown on the iron of this statement. We moat her iron Your no loner then a0 ldamys offs we seen you the first bill m vNirlh tlhe sneer W probiem apparad. You ran cell our Customer Relation amber, but doing so will not V-, yrur n "na. In your and r= an acorn nt ngive us the umber, the following Information: of too suspected error, a description of the error and an explanation, if possible, of wtvRhhyy you blow them is an error; or if you road mom irdorcaeors, a deeedpdon of the iron you am uroua about. You do not hove to pay any amount in , we am Yo k, but you am still obit to pay tle parts of + bi that am not In quarbr. b won Ir-dg to your ¢oabn, we cannot ooaty as or value cry actin to collect the t,t Special Rule nor Credit Cam Purchases If you haw a problem with the quality, of property or services the you punch i ad with a cram card and you haw tried in good faith to correct the prubian with the modem, you may how the eight not to pay the remaining amain dse on the rty or services. You low this protocgm orl w)on the purdoa Mca rues mac than ?50.00 and gram wa made In your have Kate or wftNn 100 miles, of yew meting address. Of we own or opemm the merchant, or if wo molbd you the adwrdaemerrt iW the praparW a services n= o are xrad rspendeae or W 1_.& cMse.Y Morse hanarrber to sign all cermepordaun. t Does not apply to cerramnv nony;reoyt card accoaas t Does let apply to baslxss r redit card acc unpo One supports information privacy promotion: sae our m _=-corn. or* is a y registered service mark of Capital ?ol Corporation. All dos reserved. 0 2003 01LOLBAK told fusee therpe iron the applcation, of your periodic rate(s) a lea 1Mn 0.60, we will subtract that amount from the $0.60 minimum and the difference will be billed to the purchase aepnennt of your axons. t d Temporary Radaa don to Fh- Chugs. We reserve the right to not rise s any or all flmnce charges for any given billing period 2. A assip Dsiy gaWOS fkoia3td Now Prahual. A. Rnaaee change is eakdo d by multiplying the dairy balance of each eegraem of your account (e.g., cash advance, purchase, special transfer, and special purchase) by the corresponding daily pe"do rate(s) thm has been previously pdisclosed so you. At the and of each me day dui the segment 0;=, account to tha dbMtg peded lgltjy balance tr one -M. at the and of the , we add up pa rushtof eau dally celcladors m anew t -r periods nenoe dharge for ado sagnmt. We ad1 up the results from each segment to solve at the toed perfecto Manse charge for your accent. To get the daily balance for each segment of your accent, we take the bagirting balance fa each segmet and add any new tmroacdors and any pedodo manse charge calddated on the Irevio , day's balance for that segment. We than subtract cry peymems a credit posted me of that day that are allocated to that seprnnht. TNs gives m the separate dally balance d Your account. Nowtr, if you W-1:1 tier por or reA . credit m )if your new balance, idea zero a eedin t amount), scanpecs , new trareectiane v4Ndh pose to your d purchase to to the or ai al purdeae a are not added the dilly bal y balances. y calculate the the average dally balance by adding all the balances, m9ethen and cl%f dvidng the ohm by the number of the days In the aunem bl9hg cyda. To calctlata Your tote) finance dvrge, mdgplyy your swrage deNY be. by the dally pedodc to and by the haanba of days a tlha bNNng period Due to bar ng on a doy beau, gore may be a a1gM vadaree stween tie calolatI- and ee mean of farce caZec ay ameased. b. N the code or N appears m the Ttos of life asmmumt next to -Belonce Rate Applied To, we multiph, the to[aom In ilia a?idwoder Piohnah s you mN m us wIN beposayendetre¢d to your acwan as of she lushes day we recsiw It, P-- (1) you send the bottom portion of tlse statement and your deck ymham received to at any other loc?Nm or in t rj:: vsd hour pw.easirq cater by 3 p.m. Er (12 hone PT). PI.- albw m Iwo sew (5) business days for parW delivery. Pa by y cry War orm ray rat br credmd_ ae of the day our receive them. Ow business days are Monday through Satedayy, holida Plwor do not use snpks, Pegs dinThis autherizagen appim etc. vvfisn preparing yyoauur payment. When you sad w a check(s), you audarize u e to make a one-time electronic trasfer debit hen k n. account for the smwt of oho Lack to off decks rec raved durhg the bang cycle own if sus by aaneea doe. if we caret process the transfer, you auborize or to make a charge agaaat your bank account using the dark, a paper daft or other harts. Financial difficulties? 041 iwom , troltefY In your wa11et7• We can help. ca • Good credit can be important for getting an apartment, a cell phone or even a job. • To avoid risk to your credit rating, call Your account is over 1-800-955-66oo to use our free Check by Phone service. 3o days past due. • If you prefer, simply use the payment coupon below. • If you have online account access, log on to your account and pay now at www.capitalone.com. The purpose of this letter is to collect a debt. Any Information obtained will be used for that purpose. D4t-046a 0 2004 Capital One Services. Inc. Capital One is a federally registered service mark. All rights reserved. Account Previous Balance $5,136.57 Payments, Credits and Adjustments ;.00 Transactions $58.00 Finance Charges $65.77 PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 AUG 04 - SEP 03,200-4 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 04 AUG OVERLLN11T FEE 2 03 SEP PAST DUE FEE New Balance $5,260.34 Minimum Amount Due $159.00 Capital One is proud to support The Heart of America® Foundation, helping children learn to read, Payment Due Daze October 02, 2004 succeed, and make a difference in the world. In 2003, we gathered nearly $1 million worth of books for children in need. To learn more about how you can help a child make reading a lifelong passion, Total Credit Line $5,000 visit www.heartofamerica.org. Total Available Credit $.00 Credit Line for Cash $1,000 As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps Available Credit for Cash $.00 your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. All orders will be processed between January 15 and February28, 2005. At your service You were assessed a past due fee of $29.00 on 09/03/2004 because your minimum payment was not To amB Customer Relations or to report a loa or stolen card: received by the due date of 09/03/2004. To avoid this fee in the future, we recommend that you 1-800-903-3637 allow at least 7 business days for your payment to reach Capital One. For flee online amount servue and spool antorna offal, log on to: w atritiloneoom Send par Teats to: Send inquire to Atm: Remittance Proe s ng Capital One Services Capital One Servca P.O. Rm 85147 P.O. Bor 85015 Ri6rnond, VA 23276 Ridrmond, VA 23285-5015 $29.00 29.00 Important Account Information Are you registered to rote in this year's general election? It's not too late! There s still time to register, so go for it. Your vote can make a difference this November. Call or visit your local voters' registration office or go to www.everyvotecounts2004.com to make sure your voice is heard. Every vote counts! France Charges Pkare im rmare ridefor important informaton g r rpwr C ?B E ?? dto r? APR E PURCHASES $4,215.68 .04082% 14.90% $53.35 f98L63 .04082% 14.90% SLL42 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052278426453 03 5260340250000459007 New Balance $5.26034 Minimum Amount Due $159.00 Payment Due Date October 02, 2004 Total enclosed $ Account Number. 5178-0522-7842-6453 Pleaupnrrtmuilingaddrn-,I'- e-arad h grrb,(,. -r rMv arWk -L bt,- Apt i a'y laic ZIP Home Phone Alx-k Phone #9024813561148551# NAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 Irinlultllnrlrllul m 924 WOODRIDGE DRIVE Richmond, VA 23276 N ENOLA PA 17025-1545 IrthltrlltrtLllrrrlrlLJLrrIltrJl,trtrtlLlrrllrrrlLtLl Irtrlllrrrlllnutlr6lt6nrllrltln6r661ut661u66r11 Pleas:none your a"wW number myaar dick ar money order madeprryable to Capita! One Bank and mail in the mksed envelope, r g O a^6 o m p N oogrnarg parrmsOeaals sera ssg nWW s tnday, add any now or dirs. ( a app, and n Chef [ any paynroras or oedr. (R the rotle F! appesa on the meal of Mie statement rwa to 'Bslsres Reto AApppq1 To,' we dw albvact any unpaid AfnernCO drrge-indndsd h the balance of each saps ) TNS gtm us the daily belanim of each Wen 17wk wa add tp N As nailyy Dairrces nor each segmentof rays In for tlr In - ?tbd and dials by tar teal ananbar tM blliq pwlod. Th1e puss us ds avaapo dally balance of each segna c. 3. Ana. Pwoerdpa Rates IAPRI. a. Th. tam 'Azrar 1 Percanage Rate' may appear as 'APR' an the front of this erternem. b. If the coda p Q'rine), L Gino. LIBUPo, C (CertiScato of DePOeiU, o S IBaakcard Pthe1 appears on the from of this testament ram to the peakdc mo W, the pawAc razes and cgouensesittf aK" ANNUAL PERCEN I RATES on ydle wad iadicoe, ac-pfrauvh?duaI WaA .=bawd the fi Wade off birg p . wrond by_yaa padodlc_arrtanar[ endrhg summers next to the periodic ratefal, the Odc rtes EL- ANNUL PEACF7 QE TES may ashy rd may M?eex or deems based an the IMeea, s farad h The WM Sbeer Jorardw pits the merdn pmvlwsly dedmad to you These wt(ps w91 be etfeaiw on the fiat day of your Bing period C.Ch Mond'. 4. Assessment of Later, Overirit and Refund Psymsr Fes. your aeaam Wf be sseseed no more then two of the loss listed here that coeur during any billing period. Under the terms of your custom ageemem, we reserve the riptt to waive a rat to seas any fee?'Wawa Dder rpdAfJfianto wlthatt w9ivkng our right m aces the same or similar ass w a leper time. 6. errwhg You Aeaeut. If a memberNp fee appeare on the from of INa statmta t, you tale 30 d the damtlis sta[aaremaurhsu fme ad to scredted w you If you eanod your arxputt. Duke this period, you may emlkae to use yaw steam, wltfgllt trvhg to I*Y Me r dfV us by c!New Balance' a ppe! Relations Department and pay y?rw in 5N (a[du5np the mea?bersip ix) pale m the end of the dirty-day period. 6. N Yau Cbea your Aomrt. you can regrsat to cox yywaur aecocnt by sling err Cuetaxr Rdedar Oeparana t You maw destroy, your oadt urn(s) and dodtodzed ,l.W, as "rm eroes dads, Cancel I f dl ouypreauhetcared nd "I's YWr eccotnt. preaudadzad Wlrq atarpematr,,'e vd1 rnrsidcr . Addtla?u9 auModzn- to reapm year _ Y. your ecoaan'il not be deed trareec?tld?ryyou Imew euMdxed, Amerce tlurgs, past due fete, eve 1.ft tee, r u= payment a-, cash advance fees ens any order ixa asesed m your aocaum. Yw are raepaMble for tlex amouna wimether they appear on your aroant ri the tMe you regret to cox the access or cloy are hashed rDnegrsymt to your ragmen to dose the arxarn. TNa may reap in Burgs eppearkq m you aroant efts you haw your acomm if it No already been dosed For exempla, if you -0-11ed a padres flan a mwdmm th and via rewivs e trarescticn fro. the mordwd after your aowu t hn bean ckeed, yaw aCCOgat veil be reopened, the snouw of T. drrrgQo?w9 be added m yam stxoun, and You wit be r=* ice payntra. it 1lnere is a memb- irlp fee , Me fee wYl mdraae to be dangled, m the sherd mimod by Isw, amY the account bdarce Ma been Pap" h fall ea dslMd above. 7. Yam Aoearawin wFd or acmnt crept be h terahactdon whh arty hmmet 9ambdhg ffaltealklar. 6. Nstbe Abet FLvtrwis graft {ierweriirl\ W tack Nwa you provide • ea payment, you m make . a on wake o alder to zees nfnrmstlon fans you duds rdrx electronic fund transfer iran.ywr bank acswrt or to proses =Pay= s a dick transaction When wo use, Ydormsum son you albeit m make an electronic fund transfer, funds my be wdtladrawn from you bank atFaan ea scan as its ems day we receive your PIT" arW You vhAl apt rew1w your dhedk Dock Iran yam Rhsarl kraM[rtian. BIWNG WORTS SUMMARY (In Cox Of Enos Or Qmvdas About You Bill) If you Walk your bAd k wroh9, a if you need more khfanrtlon on estrrrsr,Uah soon as peaaN a alNe , write to u- a aepenna airs at the address for Ira}irks sh-n on the front of die statement. We nest hen hem you ro lams then Wdsw efts we sent you the first hll on vdhk3r air saw or predate eppssred. Yau can rai our (]stoma Relations amber, but doing x wM not =or11 rotes ==9 nb r Lf0i1vc amour of the drapeded after, a dsedpdm of the error 'an aplenedoh, the item You err you g if uwm psa6le dear. Votau do of why you believe there is th atom; reed frofa iM u do not s he" w to pay to pay of ou any amant in vdde we am ' rt, bur you ate ON oem pay the parts of yam art ere not In Queelbn• 9wstldate Your gwa ramot rt you s o take m action m clad the :9ount y- ow, t,t Special Rule For Credit Card Prwdras If you heva a preps- vkiM Uho gwlhy of Paapaty or xrnros that you purolraed whh a cradt uN and yw res haw tried in goodyfakhMrothe dprt not t m lxwreet tieoProblem vdM the amount ,you m. pay the ronainng smart der an tM ,%rty a xrvins. You hero W s protection on w[wh the prdrn pd? was mom then vvkNn 1arnl the pkrdwq was ma de In you tpnte state a whNn 100 ,r of your meling =(t I we own or operaca dw recto a it we mtp ad-deemo t for the paapaty or servkos, all pumnspas ;:f0- red regsadeae off amaokrrt a location of purahass.) s remembo m WV f wraeeporhtlaca. t Otis not apply to consumer not raft cent eccorms t Dees not apply to basfrrew noncradfr can acepnts Cepirl Ona w4Wrw Information Privacy Protection: sae our we?[e at www, mm. Capfw Orhe is a y registered white mark of Capital One C.Pftw One d Capaetlot_ I rights moreed a O1WC?t LEAK ta. Grove Period. You will haw a minmut grata period of 26 drys without Anance d[eaT on new padres, new balance transient, new Weaal purdreaea and new other air ea if pay your teal 'New Balarwa', in and In tkne for k m be ck> eaNOdce for paymerrts Dalow, ext sutemmt G 7tsre b no =;r: cbdn9 teals edvarxes aM special tramfes. Inagrace dun, here le . race pedotl gal any tr-d- It yw do not Pay the Total New ance: b. =%F:-- Gwga. Trhsctlonr wNch are not qrn period are asesetl Arorce drrge t) iron ft data of the transaction or 2) from the date the trarsacdon is processed m you Account a 3) from the 5ret calerndar Oay of the arrem billing Period Adddanely, if you aid rpt pay the 'New Balance' from the preview r. n lid al 1W, Anita chugs continue to accr[s to y upaid balance until its upaitl balance la paitl in 1ul1. This means that you may will ova Ananm drrys, awn if you pay the entire New Balance irndawed on the iranht of Yew artemam by Me next awement d:=data, but aid rat do ea for tM preNrue mamM. Uryaiare to tls appppl1ecaWe eagnan of your Aa;ant. t c. hirhaan Fhhsss Gwge. For each bihq pealed tlrt Y'a+ aRWVcwun(CErCHANG edEmofa40.60'iq bo Rwae11 lour posed. sdIfIt total irt If the cod learce realUrq Iron the applCadon of year pedodc stela) la es tlan 40.60, and wiB ffemn shat emohnt from the $0.60 mhimun aM the dHeroce will be . t d billed to the purdrx aepnemaof your accent the Teraperary Rtlrfbn h Fiwte race charges rcxan m t eases any or al finance for any duos crag ppeedoe Nnv PP11 1- 2. a, Rn. OW tBalsnea (Was a. bourse drrge o cal dairy balance of esrh sagnent m of mrtidww ate of yon eetarrnt (e.9•,cash advance, purdheee, apedal tlmaRr, and c=al pumJrse) by the roneapadrq defy periodic rate{e) that lua been prKady pdeados d to you. At the end of eadr de durkq earf of eah seen rtpof yarer m the d?a__lyy?balarcec me for Menem. Than at the end of albs darq period, m add up thei rewlb of Ass dally ralctdados m emus a r pedode Arunn charge for eadh aegnem. We add alms =from each aepnem to anw at tie total pedoodc Arhenee Burge Pon =&=To get Me -%b?- for each segment , we take ale epmrq bdree for eadn segment and add eery ?r? prey and a ppaedodc Inance du aiat days balance for tart segment. W-.1 hen aubtrad arty paymerhn or cradle posted as of ifw day that ere slanted to tlut xtlxnt. TNa dues uair -Parete daily baianro ===f I r accaart. Howowr, 1f you ppa?id the yam preN. naemraH In fiI (or it yax new balance as zero or a oadt amarrt), maw trarsacdona vvlnidm poet to yew pundmax or spaced araxa. We purc}rx segments are not added m 1 edding daily b dlthe dual nkulate Me average esro by aly W.? the days h anent Nlkq cYde To =.-be the ala . yaw Coal Arwce tlrrge, mdtiply yam average daily began by the rally dealt me and by the combo of days in tla dlirq all to ranting on a dally beak, dare may be a elfin variance between tlis eakulatlan and alts moon of firwca charge Z actuely sexsxd. b. R the rode e Z o N appsm an de (race of thin statement next to 'Balance Rate Applied To,' m multiply the Ingrtrrt Notice: PaYhthaate You teal m us'111 be aedrtl m you ecroun as of tla budass day we tecdro it, Provided (1) you aernd tap boat's podph of tlis atalemeM and your desk p tar endosetl rarminaae envelope and l2) your peyman Is rxaived h our ponying tamer Dy 3 p.m. ET (12 raps P17. Pbay alit' w dos[ Aro (5) buakes days Rr postal tldirory. Ymahte recdred DY ua w any adsr locatlm a Inn my Darr Ram may not Da credtotl_ as of ttp dayy wa rwiw Mom. qr Dwinaw days Mp[dey yron[pn gaaadsy, axdWrp holidays. Reax tlo not uy erpMS, paper dips dc. 'then paparkq you payment YlNaan you aerq ns a deck(s), you amttprize w m make a ana-Wne dadmnc [rmfa dank hen your bank ectxaad for tfr enpnsm of Uhe deck Tfie autipaiza[kn appaes m aA decks totaled du5q tts Ding cycle Avon if sent by spnearaa six, If we'mot phones tla trarnder, you audadze ua to make a dnarge ag:rt Your bent accart nsh9 tie deck, a paper draft a otlsr irnn. Financial difficulties? 041 what's M your wallet?* We can help! ca??° Your account is over 3o days past due. PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 • If you have online account access, log on to your account and pay now at www.capitalone.com. The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose. Obt446a 0 2004 Capital One Services. Inc. Capital One is a federally registered service mark. All rights reserved. Account S Previous Balance $5,260.34 Payments, Credits and Adjustments $200.00 Transactions $29.00 Finance Charges $109.71 New Balance Minimum Amount Due Payment Due Date Total Credit Line Total Available Credit Credit Line for Cash Available Credit for Cash $5,199.05 $414.00 November 03, 2004 SEP 04 - OCT 03, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 10 SEP CAPITAL ONE ONLINE ACH PAYMENT ;200.00- Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment, please accept our thanks. Transactions 2 03 OCT PAST DUE FEE $5,000 -Capital One proudly supports the National Youth Anti-Drug Media Campaign. $.00 PARENTS THE ANTI-DRUG. $1,000 Stay Imul[ved - Ask Questions. To get the FREE booklet, 'Keeping $AO Your Kids Drug-Free,' call 1-800-788-2800 or visit www.7leAndDrug.com' At your service To all Customer Relawns or to report a loo or rtdm card: 1-800-903-3637 For free online amwnt service and special eutornrr offers, log on to: w .apitalonaoom Send pa7rnmts to. Send inquiries to. Attn: Runittance Proonsing Capitd One Servion Capital One Services P.O. Bar 85147 P.O. Raw 95015 Richmond, VA 23276 Rirlsmond, VA 23285-5015 Important Account Information Want to make a difference this November? VOTE! Your vote is important, so get out there on November 2. Only you can make sure your voice is heard. Every vote counts: As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps your 2004 charges Please call 1-877-794-4487 before December 12,20A, to reserve your copy. All orders will be processed between January 15 and February 28, 2005. As long as this benefit is available for your account, you must call in each year in order to receive a Year-End Summary. You will be notified in your statement on how to opt in for your Year-End Summary. "Important Notice * Your account terms have been adjusted as disclosed in your original offer. All other terms and conditions remain in full force and effect. You were assessed a past due fee of $29.00 on 10/03/2004 because your minimum payment was not received by the due date of 10/02/2004. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Good credit can be important for getting an apartment, a cell phone or even a job. To avoid risk to your credit rating, call 1-800-955-66oo to use our free Check by Phone service. If you prefer, simply use the payment coupon below. r mana Charges Pkaw tee reverie rtdefff important info 7,natim, ? r u Corrrrpondwg ?J?E d nde E PURCHASES $4,185.75 .07096% 25.90% 489.11 CASH $967.72 .070%% 25.90% $20.60 ANNUAL PERCENTAGE RATE applied this period V PLEASE RETURN PORTION BELOW WITH PAYMENT C_ 0000000 0 5178052278426453 03 5199050200000414003 New Bolan: $5.199.05 Minimum Amount Due $414.00 Payment Due Daze November 03, 2004 Total enclosed $ Account Number. 5178-0522-7842-6453 Plrmp.nrr mailingaddru? r-?lrbmdn bdoauringH orbtm#iai: $29.00 25.90% Street Apt I Ciry Snx ZIP Home Pb- Alternate Phone #9027713561148550# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 lrlnluilrllntiu?,I 924 WOODRIDGE DRIVE Richmond, VA 23276 w ENOLA PA 17025-1545 IulrinllrulriluJrllullnlllurlinrurllJnilurllnlri InrlllurlllunrlrlrlrluII IIJlulnlrlrluIIIIIIuIIIII Plarre switeyotrraaonnt number ors yoar chak or money order xadepayable to Capita/ Are Bank and mail in tbeersclosed emoelopa r 8 O 0 i O N hishg padou covered by Ws statement we take the of SON tra?rexffoom, to each sagNn?apxee srrsd a sueach btract a y add any neHaa the code on Bslarros Rate the To i doo ssta[G?i[ (if subtract any ufoaid finance charge YiUUdstl in the bolwtce of sock ss?nat) This gives us to dolly balance of each aegnent. ltext, we add up all the daily bakatces for each wgnem for the bi" period and divide by the tocal rsrrrber of days In the Lug period. This pvw w to daily balance of each .W- Annual ortps Rats (APRI. a. The Corm 'Arff W Percatage =may appear as APR' on the Tram of this statenrhah[. b. If the coda P ¢dne), L (3-mo. UDOR), C (Certificate of Deposit), a S (Barincard Prins) apposes on the front of this aueBncax nsta to the periodic raae(N, the pedodc rates and corroaporedieq ANNUAL PERCENTAGE PAT W may vary giarttly and may increase or decrease beard on to stated ihdcesr as frond In Thv We# Street ?oand, plus the m Mn prevotaly disclosed to you These q?agae will be effectve an first day of your blling Paled covered by_Yw pedod to c_sttenhat adeq name an the meill macgn ProWhousnY disdoeea ta you Tleae w ha effective an tie flint deV of ydr 6ing dhanperiod d each m"". 4. Assaamord of Late, Ovrimit and Returned Psynast Fees. Your account will be assessed no more then two of the fees Noted here then occur during any biting period. Under the tem. Of your asnomer .='. we reserve the right to waive or rot to aseess todlication to Without waiving our right to a similar ter tens. 5. Your Aeeaat. If a memharsNp fce appear on the from of the attemam, You have 30 days ban the date this statement was malled to you to avoid paoV the fee or to have such fee credod to you H yea ncel your account. Dung tit period, you may cuntirxe io use your account whhad having to pay the manbasfip fee. To cancel your attorrk, you must notify ca by Being our datomer Reletons Depemrrem and pay your New Balance' in to (excluding the monLershipsfee) prior to the end of the W nyday period. 8. H You Class Yar Aeawal. you tan request t dose yywwr accaum by 4:,. err Cuatomer Reledocre uepermem. You must destroy your wait cordial and attest aware sacks, cancel all preathodzed tilling, and cease usa+g your eocerd. If you do rat unc?el prnWadzed blNrq artatpatxrda, we coil reside receipt of a serge your audedzadon to account. =,-If y, your acoert will non be deed until you l treads you owe us Innkdng: any transactions you haw authorized, lihrcro durgn, past due lees, ovedimh ices, metered paymont fees, cash advance fen and any other fen easeseed to your acusunt. You are responsible fa these amounts vAwn er they appear on your account at the time you request to dose 1M accent or they are nourted sbsewnt to yra,r ralrrrest to close the accent. This may malt in wallet aPPe: on your account aha you hew if you auhorized a purchase from a merchant and are Foceive the transaction from the merchant after your acsaurt has been dosed, your account will be reopened, the anrout of th:=. will be added to your acootant a d you coil be fir payment. H then, is a m fee for your account, the tae will continue, to be chergsd, m Vn enterer mitted by l=a. M the balance hp boon n full as nb. 7. Using Your AsaouLYw card or accourn carrot be used In con ecdon with any Internet garbling traeaalae. 6. Ndw Abet Elsesisris Chsok Conversion, When you provide a deck as psymat, you authorize us ekher to use Information from you deck to make a one-time electronic had trasfer from your bank eocout or to process t aps yntat as a deck Vaeaction When we rte nformadan from your deck to make an electronic had transfer, ha d$ may be withdrawn from your bank account as soon as the sane day wo recatw your Psymem, ad you will rot recelw your clack back from your financial ihatitutlun. BIWNO RIGHTS SUMMARY (n Case Of Brors Or Quesdons Aber Your BIN) If yoo Welk your bN le Wnorrp, a R yes need more Initumatlan un a ttararaxbeh a bill, write t us un a se rme, sheet n soon as possible a the address for Ingiries shown on the front of this statement. We mist hear from you ro her trer 50deys after wa sere you the N. rill un rviirh the ester or protlem appeared. You men call our Qstomer Relations camber, but doing se vAN not Preserve y o r rights. In you letter, give us the Waving amass of tl rams wA amass n umber, the dollar suspected error, a description of the error and an wvaation, i n,, of wRw you believe them is at error, or if you more nfomatlon s description of the from. you at triaure abou. You do ran haw to pay try anent m Questlen whits coo am Invesd it, but you em all a64?ted to pay the parts of yea- bN(thet ere not In ¢estlen.l da we nveadget your we cannot ??y you ? an or t ke any action to collect the t,t Special We nor Credit Cam Purchases If you haw a problem with the gisiky of property or services that you Purchased vvith a crud[ card end yes haw tried in good faith to earner[ the prdian W rkh the merchant, you may haw the right not to pay the remaMng amount de m the property or services. You hew this 35? O. 0 end the purdasefh was mwada Ice was mere tan within 100 roles of your mailing address (If - oorvn for or op rata the morchrt, or If wo, mailed you the advertisement for the property or rmkes, ell purchases era covered regarv:W off ¦noum or location of purchase,) Rates remember t sigc ell comeapo dates. t Goes not aAWY to zvnarrnez tan-cmoW cad scourers f Goes not apply to brrabreas rrorroredk cant acawmrs Ore support- kdamsuon privacy protection: sae our at rococo. arhs.cerch. One Is a y registered service mark of Capital Ill CorporatkxL All rights reaaved. a 2003 T a. (rtes Priori. You will haw ra9omhci on rclamuct grace period of alandays ces tra nsforis, . W eciM pum and purchases, how b r e charges if you pay your total 'Fkw Balance', in accordance widr 0n Important Notice for payment below, erid in time for It to be credited by your next statement cloebp date. There h no grace period un cash advances anti apadof trastfers. M addition, there is no brace period un any trareectim If you do not pay the total New baianca.' b. Asanip Francis Charge. Transactions wtich ere not subject to a grace period arc assessed flnaoe charge 1) from the date of the tra oactan or 2) from to data the transaction is processed to you Account( or 3) from the first calendar day of the current bEWV period. Adrltiansly, us rWLtg period in hN the 'flow Wnce charg?s hen continue, to accrue to unpaid balance until to ? e t la You mere Uut unpaid balaalano paid in full. This you mayUM owe fiance, charges, even if you pay the a re do Now - nextatatarral indicated on the from of star dat rxtd o so for the previous month. Vrpadflnaoechad are added to to appppl1utlo segnam of your Aocout. t c. kNnaser Fibres chaps. Fa each bMkq period that your account is ta a iwrw cha a mhrsmun tout RNANCE E of 30.50 will be impoaetl. If the told Lance surge r from the aoolutlm of your periodic rate(s) Is less than il 0.50, we l attract that amount from the D0.60 m ncNmum and the difference will he billed io the purchase am of accent. t d Toopewaryy RR.ed ndenmIn F aINtwN a ageWe the right to r s for given 2. a yr a o charge BYrwafN mated - by multiplying ? the l.daily balance of each segment of your access (e.g., cash advance, purchase, special transfer, and special purchase) by the corresponding daily pedodc rote(s) that has been previously disclosed m you. At the end of each der the segmnmgol dud, t the dbaaNyyy?beler°dicec rate dr BegYheM. Then at the end of the tlNirlg period, we add tap the rerW of these dally rWcuatarha to errhe n your r1ntlt franca ch age for as aegnau. We add the finarroe Bra h segrraa to arrive at the toad peel do for each rea id, oT eccourd. To gat the daly b=an e begllrg balance for each ? accord, we eke the m segment ad add any now vowed- and any ppeedodc finance surge calculated ah the previous day's belaoe for that segnerd. WV then abntm any payment or credts posted as of that day tat are allocated to tat segment. This gives W the separate deity balance for each aegnad of yar account. However, H you paid the New Balance alovvn un yea 1.4-- aetemsm In hill for if your new balance vase zero or a Cedit amount), new pure a se Wick Poet to you punster a apesB do We calculate to aver are not added t the deny t the du Wlencea age salty balance r adding all all the ly the days Inthea rtAnd amdblNiq C deuTo ?e1q atnrnber of y your troth daily y dodre nom :X b the avomge deny balarcce by the Y pe Y >ha number of days in the tilling period Due to, rendrhg un a dr ay bash, them maybe a sight coda r e between Wa ul and tlhe mood of fiet he code Z o N appears assessed. b. If the rode la or N Role the from this ti lied To; we multiply the nett to 'Belton, Rate Applied an tha Inrpsrtat Nerios: Psymerds you mail m u wig be credited toyour accost an, of the burdrees day we wo1w ft, provided (1) you send the bottom portion of tis atatem em ad your durst at the eruBoeed nemittahce enhrebpa and (21 Your payment Is received n our procesalng cats by 3 p.m. Ei-(12 nounP7). Please allow at leastfiw (5) bual evedays for posW deli Paymema received by ce n eery otler bcadun er Inn any aZ tam rosy not bbee credited as of to derv we, rew(w them. W brs6ese tlays are Maaiy tfawyf Sauadayy, udI"y hays. Reese do rat urea staples, paper dips etc. Wrier pre{adng yyam payment When pea seed us a dock(e)r yon, aWOChe us t make • ono-tkns ekareic ttrefer Aetlt Vain Your Dade creme for tie amour of the deck This aWorizadon apples W el docks recanvetl durihp tie bRctp cycle even if saK by senses ales. H W+e txrrho[ process to Vanster, you autorize us to make a Barge agaiet Your bait accent nskhp tie deck, a paper draft er War i[a n. rpeoplepc- online u A better way to Internet. Slaf up to • 5??fe ?1 FREE Accelerator for the rkst 12monfttst-9$W vdu 1-888-587-9669 .? r a Mention Offer Code: COIN a? Visit www.peoplepc.com/go/Coin 003 UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by Symantec- ® Pop-Up BlockerTM `(? Spam Controls ,Mw Smarter Smart Dialer Technology low More Email Addresses ®? Internet Call Waiting C _;M PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 OCT 04 - NOV 03, 2004 Page 1 of 1 Account S Previous Bal? $5,199.05 Payments, Credits and Adjustments $.00 Transactions $29.00 Finance Charges $115.59 New Balance $5,343.64 Minmum Amount Dui $574.00 Payment Due Date December03,2004 Total Credit lane $5,000 Total Available Credit 5.00 Credit Line for Cash $1,000 Available Credit for Cash $.00 At your service To call Customer Relations or to report a lox or stolm cud: 1-800-903-3637 For flee online a t semce and speaal o.uraar offm, log on to. viww.capitaloncmm Send payments to: Swd ingwitin to: Attn: Remittance Processing Capiw One Services Capital One Setviar P.O. Bos 85147 P.O. Bas 85015 Rid-ond, VA 23276 Richmond, VA 23285-5015 Payments, Credits and Adjustments Transactions 03 NOV PAST DUE FEE ;29,00 As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. All orders will be processed between January 15 and February 28, 2005. As long az this benefit is available for your account, you must call in each year in order to receive a Year End Summary. You will be notified in your statement on how to opt to for your Year-End Summary. You were assessed a past due fee of $29.00 on 11/03/2004 because your minimum payment was not received by the due date of 11/03/2004. To avoid this fee in the f raarq we recommend that you allow at least 7 business days for your payment to reach Capital One. lmportant Account Information We would like to take this opportunity to inform you that we may report information about your account to credit bureaus. The reporting of your account information to credit bureaus contributes to your overall credit profile. Lau payments, missed payments or other defaults on your account may also be reflected in your credit report Finance Charges Please sa rmene fid e jo r important injornration a p o d s dtn rafe PURCHASES E4,2TS.60 .07096% 25.90% $94.01 CASH 11"L16 .07096% 25.90% $21.58 ANNUAL PERCENTAGE RATE applied this period 15.90% PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 5178052278426453 03 5343640200000574002 New Balance $5.343.64 Minimum Amount Due $574.00 Payment Due Date December 03, 2004 Total enclosed $ Account Number. 5178-0522-7842-6453 Capital One Bank P.O. Box 85147 loll llllf'111II1I11I11 Richmond, VA 23276 Please "teyo aovw t number ors your Pletas,e,nna!ll:v.46rrsA.darnsadi-grsbelw,-,M- o Mki in.k Sneed Apt 4 Ci'y Smce ZIP Mom, P.. Alxmate Ph.. #9030913561148551# MAIL ID NUMBER JOANNA L BALL m 924 WOODRIDGE DRIVE ENOLA PA 17025-1545 hak -money order madepayabte to Capita! One Bank and mail in tb,m k,ed envelope. r 0Te online ENOLA P* 025- er way to Intemet. 5178 0522 7842 6453 UNLIMITED INTERNET ACCESS 1-888.587-9669 Mention Offer Code: COIN .. Visit www.peoplepc.com/go/coin If you wish to use a Warrant credit card, for questions or to cancel, call 1.800-882.6310. While enjoying your selection and annually therealgor, you'll receive a notice. Unless you call to cancel, your magazines will continue and your account will be charged the rate shown on the notice for the next year of Issues. Allow four to ten weeks for delivery. K a We becomes unavailable, it will be replaced with one of equal or greater value. Cancel anytime and receive a refund for unserved Issues. Valid credit card required When you make a selection, you become our valued customer. 02004 NevvSub Magazine Services LLC (NMS), Four High Ridge Park, Stamford, CT OW05 is the vendor and reserves the right to limit orders. 0 2004 Capital One Services, Inc. Capital One is a federally registered service mark All fights reserved. Any trademarks Mentioned herein are solely owned by the respective 9". All rights reserved NewSub Magazine Services LLC is solely responsible for this ofler and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee and is not affiliated with any product or service shown here. By responding to this offer, you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital One customer. 1, Hon To Avoid A Fhahae Charge. t a. Crass, period. You wig have a micimun grace period of 26 days wiytohuouptafifinyaoncce cha on new purchases, new chases and neviv other balance transient, new charges if with thou brrpor?ta?NOdtt Be,., accordance for payments below, and In time for ft to be credited by your next statement dasrg date. There is no grace period W wan advances and apedal transfers. In addition, there is no grace period onalany tra sFction If you do nor pay the total New bance.' b. Aoonthg Fk- Charge, T,armcd- ouch am not sub)ect o a gram period am assessed finance charge 1) from to date of the transaction or 2) from the date the trareaction is pro-seed to your Account or 3) from the first calendar day of the axrent bldg period. Additionally, it you did not pay the 'New Balance' from the previous bill iing period in full, finance charges coming to accrue to This r munpa balance untill the, aerw that you may still odfrerce N erg era ienveri if you pay tote andre New Balance indicated W the from of you atatemem by the next statement dosing ate, but did not do so for this previous month . Unpaid fiance charges cue added to Ina wile wpnent f your Aocwt. t a hitrwn FIr° rrx esdh bikg period cat 8 O 1 O N ppeenedic rate. To obtain the arerago daily balance for the G7I g period covered by this summand, we take the t?arheacdars?tero.ch se?gtensegment each t subtract nygymymyents a credits. (H the code N appeem on the front of ris smtemers rem to "Bslaroo Rata Applied To,' ore abo subtract any unpaid fimarhce charge Included in the balance of Oath "Jiment.) This gives r the daily balance of each sagn? ? add up a1 one dollybalances for on segment ling period and dyi by the total rKndw of days In the billing period. This gives us the a daddy balance of each sognem. aaahawtrq. Rates IAPRI. The term 'Annual Percentage Rate may appear as APR' on the front of this statesman. If to code P ('rime), L (3ino. UEOR), C (Certificate of Depoeh), a S (BsNdcard Prue) appears; on der from of this statement tau W the periodic mtata), the peno6c rates and hg ANNJAL PERCENTAGE RATES may vary giahd aaY ihcmws or dacmase based on rte .11F. tated jr.,- w food n Tae Walt Sn-r In c. If PeoplePC is solely responsible for this offer, and Is rot a(riated with Capital One. Capital One does not provide, endorse or guarantee, and is not affaated with, any product a service shaven here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offs, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. TeoplaPC Online: First 3 months are billed at $9.97 per month 59.95 per month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. tAccelandor is free for 12 months. Offer good for limited time. After the first 12 months, the Accelerated service wil automatically revert to the standard PooplePC Online service. Offer subject to change at anytime. 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PaoplePC Online and its logos are trademarks of PwplePC in the U.S. and other countries. 0 2005 Capital One Senvicm. Inc. Capita One is a federally registered service mark All rights reserved. YOW f;41 erhdng sutana t next to the periodic rarda), the periodic rates and oDrmVonirV ANNUAL PERCENTAGE RATES may vary m== ereaae or decease based on the .Faced in Tyre Wall Street J.-W, plan the margin previously disclosed OF you Thee charge will be effective on the first day of yon hits) period each month. 4. Aaaannmt of Later, dwelling and Returned Payment Fans. Your account will be assessed no more than two of the fees rated here that Occur doing any billing period. (ender the tmmw of you ustme agreement, we reserve the fight to 'vs, or not to asses any tees witlhan pfia? notllcation to you without warvng our right to asxss the same or smiler fees ar a Into time. 6..IAahwMg your Amount. If a membership fe appears on the from of this statement, you have 30 days from the date this statement era. mated to you tie avoid paying the fee or to haw such fee credited to your H you carpel your adboum. During this period, you may contiae to use your account without having to pay the emberalip lee. To cancel your account, you must notify us by calling ou Customer Rdatione Depanmem and teej pwiImr to the end of the thij"Y period. 6. N You Caw You A--.L You can request to cox your account by calling bu Customer Relations Depammem. You roust clammy your credit card(s) and account access decks, mncd all preauthorized baling, and coax ZS I adxen. If you do rot cared preauMdzed SI arrangemema, we oil caaider receipt of a charge you authorization to reapah your amount. Additionally, your acmun will rat be dwell MR you pay all amours you owe us, including: any transactions you have authorized, Rance charge, past due fees, overiimk fees, retuned payment fee, cash advace fee and any other fees assessed to your eceure. You are responsible or these amounts vaether =appear on your acgouni at the time you ogdest to cox the account or they are Incurred subsequent to Your redoes W deer the account. This may malt in darpea aooearino ah your account she van Moe your acoout if it Ma already been closed nor hf you authorized a pucax from a -.he. cu e, mcm`s the tranaaodah fran the mmdart after your acco ra has been dosed, your amount win be reopered, to amour of der the will be added to your ao-ut, anti wit be a for payment. R there la a in fee for your account, the fee YM continue to be Fs Cho d ti , m thas hetests wdem pemtlin Railttad by law, u the agog Your- Ave and as defieda abbove. 7. Using rri -do. v You writ or gutt lin lea g used n -,-do. whh any Itarthof at gambling transactions. 3. Notice About Fiot ardo C hack conversion, When you provide a deck as payment, you authorize us either to tae information from your tack to make a ore-tlma electronic kind transfer from you bank aabut or to Protest the payment an a check traoectiort When vve use information from your tack to make an electronic fund transfer, funds may be withdrawn from your bank accours as soon as the same day Wa modus your payment, ad you will not ..I. your deck beck train your financial irsui[uron. BIWNG RIGHTS SUMMARY (n Case Of Flora Or Questions Abort You &1) If you tNctc your bill 1 wrong, a if you need room Infanation OFF a trare8lrloh a hill, mho to - en a separate ahem as abort as poasbla a the address for Inc rtes .11- - the front of this statement. We must hear fmn you na later than 80 deya after we hem you the firs Min on witch the error or pmblan appeared. You can rail our Customer Relations, ember, but doing ao will riot pmerv, your Acura. In your latter, give us the follawrng information: you name and acmurt number, the dollar amount of the suspected error, a description of thou error and an explanation, if Possible, of why you below them is an error; or if you need more information, a description of the kern you am unsure about. You do rot hove to pay any amaru in guestion wive we em hwaipetrq h, but you am edl obiru??qw;t?eM^d , pay the gum i f your biA that am not In Qheoibfn. YNllIs von Investigate your gsstbn, we came[ report you as delinquent or eke any action to collect the roam you tphetlon. t,t Spoial Rule nor Credit Card Purchases If you have a problem with the quality of property or asmoss that you purchased with a credit card and you have tried in good faith to correct the probfan with the merchant, you may hove the right net to pay the remaining amore due ah the property or services. You have this protection oily wRsn the pufass giro was more than "0.00 and the purcase war, made In your home state or wl err 100 In of your -MV atltlraes. (If we ovm or operas the merchant, or if vve mailed you tho advertisement for the propanty or services, all purchases a covered regardless of( snout or le-don of purchase.) Plese remember to sign all correspondence. t Does error apply to atmaancv rroncredR calif eccvanfs t Does not apply to bass -,red& cad -cwarfs Capital One supports Information privacy pme Lion: soo our wfelte at wmv.mppr?tslae.can. Copal Ore is a federalY rsystered service mark of Capital Ora Financial Copored- All rite ns ved. a 2003 Capital Ona OILGLBAK terra tlrance maraBrq Rea the a mean of your amount fre(t) a run Id subtract that difference WII be amount from the $0.60 minimum mun and d the accent. billed to the purdaxae?h of your accent. reserve, t d1 byTemptingly Raidueffe. ri assess myhorr all rges for any p 6Yiing edoe 2. Average Darr Balace fYai - New Prshheessl. a. Fhrnen- charge is calculated by multiplying the daily balance of each segment of your arrant (e.g., cash advance, purchase, special transfer, and specs purchase) by the comeapahdno daily periodic rare(r) tat has been Previously disclosed o your. At the and of each d du' the hiring period, we apply is defy periodic rate for earn egnat W your aocraan to the dellYY idafhce of earth aegnem. Thdn ar the end f th b1'11 period, we add up the realty of tax dally calculations to emus et your periodic finance charge for each segment. We add o the resudm from each segment to arrive at the total periodic odic finance large for your account. To gin the a1yyry ;I- for each segment of your account, we take the bming balance for each segment and add any new tra el ctiare and anype node finance charge calculated on the p m%4" daYs bola ce for tat segment. We than subtract any payments or credits posted as of that day that am allocated or 7aepnerhi. TN1 gives - the separate daily balance your account. Hovvevtr, H you paid the New Bsenm showth on your previous statement in full (or if your new balance ern zero or a credit amount), new transaction Wick port to your guava e on Special a?alW txe rs a not tahm by daily balances. We the halanoes ego daily y addling all the daily the aye tIn the ogether and ront dividing the sun by the number of leg cycle. To calculate your total Mace charge, mdtiply your average dally balance by the dally pedodc rare and by the number of days In the hitting per Cue to rounding on a daily bass, there may be a alight vedence bar -an the wlcuatlonand the mount of finance rhorye actually assessed. b. If to ,bolo Z or N appears on the from of this; statement neu to -Balance Rate Applied Tci vve muldply the I tie ant No d remittance you -1 o r MR be credited o your accost as of to business day era receive h, Provided (1) you sad the boom paten of tie statement and your duck enclose envelope and (2) your rayment a moelved In our processng catw by 3 p.m. ET (12 noon PT). Paws allow at least avo (5) business, days 66ee Ya pane delivery. Paymena fecelvs,d by r at son otter bcatlon a n any other forrrh trey not credited cue of to fiery era raziw chervil. Our business aye am Monday through S?ardsy, -kkV holies Plcax tlo not use staples papa dips etc. rhhen PmPadrq your paymonL When you writ us a deck(s), you authorize m to make a oe-tima eectronic transfer debit from your bank you. account on to Amount of eha deck Tole auaferization appges o a1 decks received drip the Bing cyde Own if sere by so me a else. R we cannot promise is transfer, You Surf e w to make a charge against your bait account using the deck, a paper draft or other item. Important Notice: ACCOUNT STATUS FOR: Your account is still suspended and JOANNA LBALL your credit is at risk. We want to help. To see what you can do to restore your, ' ' ' charging privileges, take action now: PAST ' PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 • Call us at i-8oo-955-66oo for a payment solution that fits your needs. CALL FOR • Use our free Check by Phone service by calling the number above. HELP • If you have online account access, log on to your account and pay now at www.capitalone.com. • If you prefer, simply use the payment coupon below. CAPIndlQfelB' .fires isyore ra iet7" The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose. ® 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 0430404 Account S Previous Balance $5,343.64 Payments, Credits and Adjustments 5.00 Transactions $29.00 Finance Charges $114.93 New Balance $5,487.57 Mmmmm Amount Due $738.00 Payment Due Date January 03, 2005 Total Credit Line $5,000 Total Available Credit 5.00 Credit Line for Cash $1,000 Available Credit for Cash $.00 At your service To all Customer Relations or to report a lost or stdm cud: 1-800-903-3637 For fiee online aamnt service and special oastomer offers, log on to ww -jxtalonomm Send paymmts to: Send inquiries t« Attn: Rrn;aura Pr-ag Capital One Services Capital One Services P.O. R. 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information It's Capital One Bowl Week time again Tune is to ESPN, ESPN2, and ABC starting December 14 for the best in post-season college football action, to see your favorite teams fight for bowl championships, and for college football's ultimate prize: the BCS National Championship. And on New Year's Day, be sure to tune in to ABC to watch the Capital One Bowl and we which mascot is crowned the Capital One National Mascot of the Year! n m NOV o4 - DEC 03, 2004 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 03 DEC PAST DUE FEE $29,00 You were amassed a pasL due fee of $29.00 on 12/03/2004 because your minimum payment was not received by the due date of 12103/2004. 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 Pleare see recmrielr d important information e* e ? ?s pp B VMSon j?prwil, fe APR $ PURCHASES $4,396.36 .07096% 25.90% $9359 CASH $1,001.61 .07096% 25.90% $21.34 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052278426453 03 5487570200000738000 New Balance $5.487-57 Minimum Amount Due $738.00 Payment Due Date January 03, 2005 Total enclosed $ Account Number: 5178-0522-7842-6453 c043 Pi-p.iNmaitingaddl--I& e-nwitr6esgnM -r CKu-Mk k 25.90% ot- Apt I Gry S- ZIP Home Phone Al.- Phone #9033913561148558# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 Idu??lud?uurl?J 924 WOODRIDGE DRIVE Richmond, VA 23276 e ENOLA PA 17025-1545 inlrlullnrlrllur?rllnllnd?nrllunnl?slrrllndlselJ ? lud??uellluur?rlrlr?nn?lelrlu?u?rlrlur?delnislull Ptaue w to youraaount number ors your thak or money order m.4,PTvabk to Capita/ One Bank and mail in the a 1"rd ea¢xtope. r How To Avoid A Fires Drys, a. On- Pried. You will haw a minimum gnaw period of a 25 days withotit p18, efiy? chorge on new purchases, now a Mncef YOU Yew Mtn the brrportartt ?w ttoor?paym@me below, and in time for It to be credited by your next atatamam ckdrg date. TMre h no grace period on cash advances all apadal trarrfere. In addition, there la no race period onala any trarnacdon If you do rot pay IN total Now bnce.' b. Aosrulhg Fl moo Guys. Trarearatione which are not Inance from date oft rt anactl tleteViaavesood on from the e) transaction is processed m vats Account or 3) from the ru upalo balance urtA the unpaid balance I. paid in full. a means that you may s61 owe finance charges, even if you pay the antre New Uatance indicated on the from of statement by s the next statement doaiq sate, loin rid a do ao lot tit PMACAMI two are added to the bb Uripeid ftahance t c. kvinkso n Fkrrea s. fu di lei Pedw till. as of Ac you avow" Is act m a trrhm charge, a minimum told RNANCE CNA E of 00.50 will be Ica lord f nce drags resulhq the aopl subtract of your peubdc rde(n) la tun 0.. 60 50, we N auMract tMt amain from the 40. so mkimm and the difference, will be hlbd to the puduae sagnent of Veto account. t ri right to not assess any In Fhence ona?harrggeas foray given the 2. A blwrpabg UaN(r Namara 1Yokrm" p Nwy Ardua-1. a. Fnsnce Z- In raial.d 6y hradaplytrg the daily balance of each seynen of gar axarnt le.p., cads advance, purchase, special transfer, and spadd Wrchese) by the corresponding daily periodic rate(s) tut has bees P wY disclosed you. At the end of each day du the hilirg period, we apply the ddly pedodc ode for each xgnen a( your exam m to dalyy 6d=o f ddh xpnoht. Then at Uhe end of the bNag , we add up 8 0M O e? ¢gl O ?N average or credits. Of the cods N appears on to front of this ststanen ro a to 'Salience Rs[s AF?pvpNNssdd To,' ws also eutb[ract crry uryrM fiance Wryofnckzdaa h lino belattct of each s nap) TNS givse u the dally bob a of each sop aa. TTen, wet sad iq s1 the daily bol acee for each o days bl dtio ==%b; the told vse u to avarapa ddY balance of each -9? 3. Meal Frescos P.A. IAPRI. a. The term 'ud hrcar[age Rate' may appear as APR' w thaMfrart of tN8 etatlmam. b. If the code P (Prime), L S3ino. UBM, C (Corgflcate of Depmit, our S (Sentcen Pdire) appems on the front of this statement next m the perbdic rate(s), the periodic naos and q?urro?opdpytrQq AI1aXLL PER(:G6Z RATES re bond en Ma stated irdiros, w=W M Wag set Journal, Plus car rrrryh proviouly diaiwed to yoLL These wi be a en lln first day of you the M pe Wwred by your periodic eaten,, r. xaNng c. I maa Uasary,Apdi,JW and ( If f the coda D D amel, F (lino. LIBOR) o or r 6 G (3 LIBOR Reprkntl M,ndy) spoors en iha fit, of f you satement next mg the porbdc rate(s), the pabdc inlets and irhd ANWAL PEACCFNFAGEiNTES may wry mashy end may Increase er decease based en tin VAN be offecaw on the first day of your billing; padod each month. 4. Assasamnt of Later, OvrNralt and Ranrnad hymn Faas. Your attain YAN be assessed no more than two of the less Noted here tut occur during any bilkg period. Linder the terms of your uastonhr Z=4= dave the figm m wafw or not to assess ayfior nodNcation to without waWYg au fight to asses the same or similar at a lacer flrmne. 6. Yauront h If a membership tee a ra on the from of of this statement, , you how 30 day bon the date die statement was inched to You m avoid paying the lee or to have suite fd cradled m you If you cancel you --". Dubg tic period, you may continue to use gaff account wither ha W" to pay the ...,be," fee. To rancal your aoeean, you mast notify us by caning ear Cua= Reletoro Department and p?ay yyouar New Balance' in fill (erindrg the meneeraldp lea) pdor m the end of the 1h dry period. 8. N You Close Your Motors, You can request to cox gouts axant by caning our (]utaror Relator Department. You mum dsstray your credit candle) and axoue access checks, cancel all preautlerized biNrg, and coax ussg you atoarn. Ii you do not carahd preauthalzed Wling anargenems, we oil ualrhaider eoceum AddtlaWrllycur cut edzedon to uegc ycur Y Your aoeoua will not he dosW until you pay ell =&r owe u Inc?uI arty trahssNorr yu zed, thence carpal, past due fed, ovedimk led, record payment led, cash advance lad and any elan feet assessed m your axaapi You are reapadble ear these ,mot ns wheeler tlry appear eg your acopum at the tine gouts equmt to dose 0. accost or they are incurred ahbaequert 10 Your request to close the account. This may result In charges aPPealrg en your axaatt sitar you haw your acowN: If it has already been closed For waimple, If yw a=%od a pur= from a morgmm and we receive tlr traroactioh loan the mamtrht after your axwt has been closed, your account will ban reopotad the amOVa of fie do will be added to your accost, :=will be a for payment If there la s me q?vsfe f t your ?por?ri«ed by WIN urn d ms accaua diaice loo bean'Yd In iW ere dolled ,bore. 7. Yarr Aoaoust.You card or account c era et be connection with any kYtwret ganbhg transactions. S. Nodos Akoi t Ekrabono Chadt Corwords. When you pmvklea check payment, you authorize u either to tise Information electronic turd trersfa?fror dock to nuke a as-o t ppas your bent aN'oua a or m formatiah fmm yon chock torn elmrocir c hrt0 trarofer, hrde may at withdrawn from you bank account as seal M tha earls day we rBCeiyB yart Y-rr fl stn 1 k tutien. racdrs your cfneck Dock from BIWNO RIGHTS SUMMARY (h Case Of Enore Or Ound,n Abou Year BIN) If yw think your bib wrap, or if you need more infomrellan en s tureaction our bill, write to u on a sepaearram dheat as soon as pmable of the address for hgilrim at~ on the front of this stetanent We must h tram you ro later thou 80 days after wan men you the first loll en w1iUh the snor or problem appeared. You can call our Customer Relations amber, but doing so will rot ppreresseervrvee gar rigma. h your letter, gw us the fdiowlig intoumslian: your romp and account amber, the dollar a mix" of the suspected error, a description of the error and en explastbn, 'd poaebb, of wlw you =;=.I is th anon, or R ymu need mom hPomedon s to the lapin you are unsure about You as not haw w to pay any annum in question ? whale we are investiosbi- I? n it, but you re still p Ithat am not q question. Vilna pay the you, wuumtlon we cannot ourht Pd?eNnquarc or any ton tot elect the t,t Special Rude For Craft Card Purchases If =as problan with he qutity of pnpmty or seyou Pudreed whin a credit card and Vou hew tried lot good filth m coned the P = with the merchant, you may haw the rigs not to pay the remaining mount due en the or services. You haw this prsoocam otiy wham to radhsw Altar was more than 050.00 and tins purchase was made h your hhorrne nna our within 100 mhos of your nWNg .address. Of sea ovm or =r=-ant merchar,, or If we mated you the for the paporty or senvicos, all purrlases are covered rapardieee of smarm or location of Purchase.) P(easa remember m alga all carreapad,we. t Does not apply m caawmrer ---W carts account, t Doe, eon -pony to ds/m„ noncrwk card accvalrs Ora supports hfornatlah pnwcy protection: ape our at wow, ona.can. One Is a y registered service mark of Capital "at Corpoutbrt All alpine reserved o 2003 the rasults ot these drill calWatlore m erdw of yax rbdc Aronce dins fo aegm rid tip the ?eaiu tram each cep n to paw man tots) Periodc finance surge ter you account. Tt gat =met balance 'or each . balance f9 mnrh of your secant, sew uke the b:; g aepnan and add mmYy new traroaetiar end arty pedodc Sronee tlrrge calwlatod on the previous d": bdanoe for that septum. We then subtract any payments er credo ported as of tut day that are allocated to that segrnnaht. This giiwo us the seperne daily balance for each se0tnen of your __ However, it yW paidothe New Relents shown on your previous statemem h 1 if Your new balance was zero or a credit amount), new trarauctons which poet m your Purchase or W.QI purduse eepmsma are not added to the dally baI=% We cakulato the swrage daily bdarhce by adthg dl the daAy balances togetier and d ring iha sun by the number of tha day in tln amrem bilkg ryde. To col=e your total flnmy Burge, mdaply your average daly balance by the de periodic to and by as ramber of deya in the tilling period Due to mtrhdrg en a d.IV basis, there may be e sight Variance between tits caouKaden anal till ,noun of finenoe therge acnuly aaxssed. b. If the tale Z or No ppears m the front of this statement rovt m 'Balance Rata AppNed To; we multiply the lepatant hauler Paymoas you -1 m us will be aodtsd m yea arxuua as of Uhe budrose day wo McMw it provided (1) you sand the bottom Portion of this sutemott and your dheclc kin ant, erhcoead reramahoa ewslope sal (2) your ;7-y".41 rawiwd h ou rotassinp teas by 3 P.m. LT (12 =%P=1U%;1 (sflw (5) Dudrrea day for pc,al dsiiw Paymarhts recaived by us at any otnr Iccetlon a fomr may nor 6o raN[od as of the diet'y wet eMonday trough SmorGY, wxl Inlidrya ecxtm for to ancui?of t Wpm etc. yotur Pa pa' W Vats coal r s check(* . ;V=. w te make a one-time electronic transfer debt Iran your bank y. dheek. This aWwrizston apples to al c hock. recdved during the billing cycle awn if sea by someas am. if we carrot roast, to tramfer, u to make a charge agakM your bait account using the deck, a Paper daft or otnr item. P you authorize Your account is tem oraril sus ended oat p y p from future purchases and cash ACCOUNT STATUS FOR: JOANNA LBALL advances due to its past due status. A good credit rating can help you get credit cords. 60 DAYS a cell phone or even a job. PASTDUE! We may be able to help you restore your charging privileges: • Use our free Check by Phone service by calling 1-800-955-66oo. TEMPORARILY • Call our friendly associates for payment options at the number above. SUSPENDED • If you have online account access, log on to your account and pay now at www.capitalone.com. Capf"IS W • If you prefer, simply use the payment coupon below. whan 1. your wallet1 The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose. ® 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 042-0404 Account S Previous Balance $5,487.57 Payments, Credits and Adjustments $.00 Transactions $68.00 Finance Charges $122.04 New Balance $5,677.61 Minimum Amount Due $908.00 Payment Due Date February03, 2005 Total Credit lane $5,000 Total Available Credit $.00 Credit Line for Cash $1,000 Available Credit for Cash 500 At your service To call Customer Relations or to report s lost or stolm card: 1-500-903-3637 For frce odine aeooont service and spowl a tourer offers, log on [a -capitalonaoom Send pgrnent'to: Send inquiries to Attn: Remitmna Prooming Capital One Saviors Capital One Services P.O. Bar 85147 P.O. Bar 85015 Rid,mond, VA 23276 Richmond, VA 23285-5015 Important Account Information We would like to take this opportunity to inform you that we may report information about your account to credit bureaus. The reporting ofyour account information to credit bureaus contributes to your overall credit profile. Late payments, missed payments or other defaults on your account may also be reflected in your credit report. PLATINUM MASTERCARD ACCOUNT DEC 04, 2004 - JAN 03, 2005 5178-0522-7842-6453 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 03 JAN CAPITAL ONE MEMBER FEE $39,00 2 03 JAN PAST DUE FEE 29,00 You were assessed a past due fee of $29.00 on 01/0312005 because your minimum payment was not received by the due date of 01103/2005. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Futance Charges Plearena rC ;e r id e r%i.,pOrtant lnfp 'tip Bdmsarah ? de , Period' Coer d ME g?dbo fP rate R PURCHASES $4,523.09 .07096% 25.90% $99 50 CASH $1,02454 . .070964k 25.90% $22.54 ANNUAL PERCENTAGE RATE applied this period 25.90% V PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 5178052278426453 03 5677610200000908008 New Balance $5,677.61 Minimum Amount Due $908.00 Payment Due Date February 03, 2005 Total enclosed $ Account Number. 5178-0522-7842-6453 Ptea?epriarr„airi,?adbara,rd? .-aired g,se?.r?kheasr?,li? stxt Apt Y Cky Snte ZIP Home Phone Al- Phone #9000413561148558# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 III III ?? 924 WOODRIDGE DRIVE ru um un Richmond, VA 23276 w C ENOLA PA 17025-1545 ca L1LL411rrdJL4rLIL41Lrrllrrrllrr4rlnlLlrrllrrrllrritl ItrrlllrrrIII urnhill II111161rlrr6r61rlrul1Irirrlrh'I1 Pleare emiteyoar''cunt number m your ehak a money order mode payable to Capital One Bank and mail in the enc%red enrnlope. r 8 Ogt ge O ?N t?? bepnce Of each 89gone aeac dsy, add any now o or credits. ? (If the Code N appasm on the frfront to any _EWmco attract any upeld 4arnw Rard?e Aovlbd eel In the balance of each an.) This givea us theFwmMllyy b.W- of each eegrr em lion, wtr add up all the dopy bMarwae for oath r number of as for ? Idip ppeeririod and dNde by the tool the a daily of aednp wgnaTnthia gives u the urdw of 3. Amoral Ptresrapa M. fAPRI. a. The tam 'Amend Porcantage Rate' may appear as APR' on the from of tHa aaosrtnax. b. If the code P ('rime), L (3-mo. UBORI, C (Cordficate of DepoalU, or s (Bar*-d Prins) appeam on the from of this state or men m the periodic rate(s), the periodic rata std eopor ring ANNUAL PERCLMAGE RATES may vary QaruM and stay iaxeave or dwreno based on the stated Ildan, ea found in The Waft Seen ?a ,, pia de margin peviouly tiadwad to yap Theam will bs a on tie first dry of your 6ikp wvaed by you period. sratrrrrera ending n de month. Jasusry, April, Jul and October. c. If the ode D (Prime), F (1-molJA or G Q- atateunnerrt . =)'= e(s), the oedodcYZ the roerpn pmNatly dadoeed to your. These cihernDas will he effectlw en the Rmt d.y of yam bang pored each month. 4. Assessment of Lets, OwrlrNt and Resumed Payment Foss. Your aeons will be assessed no more than two of de ten Isted here that occur dsinq my tiling period. Under the terra of your customer ageemerrt, we reaerte tie rrgirt to waiw or not to aseass arty teoe widhort Oder rodfradon to you vritlnan waiving out rigid to a..s the same or similar a e later rime. 6. aaw4hg You Aeeaas. If a membership fee eppearo en the from of this statement, you hone 30 days Trap the Belo dn. rtrtenam was mated to you to void paying the fee or to how such fee credited to you N Ysu canon your accent. Dung this period, you may cons to tae membership tee.Tyeaor avant without tt having to pay Uhe caned your ho ha, yoo muss notify us by tarog our Clrtamer fldmar Depemnas 'M:=' New Balance' in LI lextdudng the mses) prior m the end of the tNrtydey period. 8. N you Cll. Ysr Aemus. Yau ten regraeai to does, yyeaahr accent W Wlnq out turstamer Rdatiae Deperonerd. You rout destroy yea credit card(s) and awours att.. duet, cancel err preauthodzed baling, sal ceaseusY hqp your soco m. 11 you do not rancd pmautholzed hiirq artaigennems, we w11 consider receipt of a ciurge your authod'mon to -Cn yam eoceutt. Addtianally, your .cooed wi not be doeed tame you pay ell erinoxsnu you owe u inciudrhg: arty tronsacdo. you haw authorized. finance ahn% peat du foes, ovedmh loos, retuned payment foes, cash edvanoe fees ==== m your You ouns whether coy appear on You auxbunt at the time you report to dose the aeoourt or they are awned erbsequent to your request to dose the amours. TNa mail result 1n ribs(. appeadrq on your aeco rte after wu haw your accoun if it has already been closed For example, if you audwr¢ed a pudrea from a merchant and we recewe the tmrrectfon item the merchant after your accara has been closed, Your accam will be reopened, do amour of the charge. will be added to yam account, and you .i to meparde for peymaa. if dote is a mmebe erYpmrlpl,e dfe f? dmyour momint, ? ee Imo, until the corainue accoun Dalrwe has been In fd as defied above. 7. Uie Yav AcooutYaa card on amount carrot be in connection with arty Internet gambling transactions. 6. Nate Abed ELcbsne gook Carvwsbrc When you provide a crock. payment, you authorize us dd*r to use Information from your tack to make a oretme electronic fud traefer from your bank account or to process de ppesytners a a deck traaacthot When we use i nformedat from your deck to make an electronic fund transfer, fude may be whdndravm from your bat aos se soon as the sane day wo mcdw your payment, and =ot mceiw your deck back flan your finarxdal insdorien. BIWNG RIGHTS SUMMARY (n Casa Of Enom Or Ouwdae About Your BIN) If you tihhnk your bill k wrag, a R you road more Infametlwn en v troraectlon a bRl, write m u en a separate duet as soon as po.61e at the address fir IngNrbs sloven on the fray of We staemers. We murn hear iron you ro later then RO ddaayyss after we aers you the flra his) an wfich the error o pmohiem appeared. Ycu ran call our Customer RAW" ember, but doing ea will not Dreserve your rights. In your letter, giro us the followUq nfsmadm: your n.me end arrant camber, de ddlar emokrrc of the aurpected error, a d.cdpden of the error end su mptaretkn, ff peaaNe, of whyy you believe tMm is ro error, or N you need mom infametiorn, a deeerlptien of the thous,ov6ob1 uruatre?edur.teaboir.You Irv- do rot how to y any in Wastion requeatlon.l is we nwal in yapumea'btnhat arerot ?poesu of =tyu?.- d?drgoas or tetra anectlon to iwlkct the f,t Special Rule nor Credit Card Purchases If You hew a problem with the quality of Property or aorvnc. that you purchased with a tract card and yw haw triad in good faidn m erred tla prohlan wNn the merchant, you may hew the right not to pay the rerthainirng anoua clue on iho pp=m?yuaoNr aeaaarvprcnec. You he- No 05 red ins pudgy wee matle M was moo than wiWn 100 mlea of your meMng addresr (If we own e or operate the mate are, a If we mailed you the edw thromem for tha property a sw4coo, all purdaeas em covered mgsrda. of anwun or location or purchase.) Please ramernbor m sign all wnespwMace. t foes not apply to consumer rorrcrod/r card -rots f Does or apply to ouslmess awrerodfr card accmft Oft supports Information privacy pot-don: sea our at www. ern. One is a radiology raglaored wAce mmk of Capital ancal COWmElm AN rights meerved, 0 2003 Or, OiLGLBAK t a. Gives Period. You will how -a minimum grace period of 25 days without Inane charrgqee on now purchases, new balance trarrbm, now apadal Pxchoses and row odor charges If you y your total 'Flow Balance', In attendance with the Important Notice for psyFn ma below, and M ring for it to be credited by your next statement closing date. There is no gmce period on cash advar c es and special transfes. In them is no en any trrsactlon If you d u o snot Pay to totalRrNew?? Wlenc?a: b. Avauiq FM.s (7rgs. TraaaWura which am not subject m a grace period am assessed finance charge 1) from 11e dam of the traaecdon or 2) than the dote the transaction is processed to your Accotort or 3) from the first calendar day of the apart bill" period. AdtitianelY, if you did not pay the 'New Belarwa ran tie pmviau billing period in kc, ima nce charges continuo to awns to your unpaid balance until the unpaid balmoe la paid in full. his moan cat you maily tell owe finance charges, even if you pay the end. Now Balance Indicated on to from of you rtateman by one next statement closing date, but rid not do so for the previous maid. Urpaid fnaa;e champ. am added to the applcable segment of your Account t a lininaan Fnsn.ae?uCbjhjaya. For each boiling period that and RN/1NCE (]iP.AGEtof 40?60?wilbsr ? a miNmkan py posed. Ifytaluo total _ rpe rq the cation periodcarate(a?) fen la. dun 30 0, weaei11 srttratt thatr amou t from the $0.60 mhim- and the difference will be billed to the purchase eM of your accent. t d To pow Ra dius rr in Fktrma typrga. We reserw the dd to not a any or all finance charges for any given 2. A ensip lb . period DW IN I (YaWdrhp Nov Rsdre.l. a. Rns Ce, charge ra ralWaed by multiplying the daily baNrwe of eWn segment of your account (e.g., cash adores, purduse, .I transfer, and special purchase) by the corresponding daily periodic met) that fee been PmNady disclosed to you. At the end of each day dsrq the Nang period, we apply the daily periodic rate for eacfi balance of each ent n of at 1M to the dolly erg o oi tM bIt edod, - add up the realty M dose rfd ly ca det. mparrive W- =c= mce der?. for each 9egnrott. We up the each aegnmmt to arrive at the total periodic 'I- tlerge for your accent. Tc get the delyy ba?lance ter each sephnent of your acceunt, we take do cegmirq beta- for each segment and add any new uansactians daandys periodic finance charge cakulaed en the preyvious peymhelarhce periodic for the seghent. then that at .anerhts or credo posted . of that day c am eNocated to that=- This giros u the sepuate daily ballaence for of r a,. r, If you p New Balance shown m you mvioua statement In full orb if your new balance was zero or a twit amount), new transactions halnch poet to yea purdhese a eperial purduae eegmherrts am rot added m the daily belarncoe. We calculate =7F e dally balance by adding aB the daily balancers d dvidrg the aum by the rasnber of the days in the current bill:? cycle. To calalate your =of 'I"- ciaerge, mutlply )nur ewrage dilly belaroe W the daily dock rate and by the number a1 days in do Nllrng pe v to routing en a dely basin, darn may be a silgM vaWnwe hetna+aern day calctlarien and rho amens of finance d rpe achWy assessed. b. N do e codo e Z w N appeam on do from of this auternont nsxt to 'Belarhce Rate Applied To; wo multiply the I elf ernd.od remlda YOU mania Bus will be credted m Your awoun as of tine buW rss day wa me I 14 provided (t) you sond do bottom ponbn of this atatemem ao your k Paymasa received by u rt ary k orisuor n ta vac n as procadre .erKer by 3 p.m. ET (12 noon 1''T). Pbra clew at I.a Rw (51 budr.w Wye far p= r1:doc: . Please do cwt use staples paper dqa etc. wraan atl.r fame may not be .radted_ as of the Bey wv racelw them. Qa buadreas rays am Malay trrwyn saturdaY? eaodWng iwNWYa. accwm for the emoun of ins deck. This aWwtlzatlon oo sal chec mcer?vadsend u a deck(s), ysu authorize u mnuke aono-time ekrxroN trmfer dealt ran your bank tae to make a charge against your bank account urkq the deck, a paper daft or o item. the ding eycb even if sus by .. ebe. N vs .amen proceo the transfer, you aL%odze CapitalOne, whaft in your wallet?' Your account is about to charge off as a bad debt. • We report an R9 rating to credit bureaus when an account charges off. • Lenders and employers nationwide can access credit bureau reports. • An R9 will limit our ability to offer you financial solutions. • You will still be responsible for repaying the debt. Good news - it's not too late. It Call 1-800-955-66oo for payment options. • Pay with our free Check by Phone service. • If you have online account access, log on to your account and pay now at www.capitalone.com. • If you prefer, simply use the remittance coupon below. The purpose of this letter is to collect a debt. Any intomatlon obtained will be used for that purpose. ® 2004 Capital One services, Inc. Capital One is a federally registered service mark All rights reserved 045-0404 p Account S Previous Balance $5,677.61 Payments, Credits and Adjustments S.00 Transactions $29.00 Finance Charges $126.23 New Balance $5,832.84 Minimum Amount Due $5,832.84 Payment Due Date Much 03, 2005 Total Credit Lane $5,000 Total Available Credit LOO Credit Lane for Cash $1,000 Available Credit for Cash $.00 Atyourservice To all Cuxtomer Rdati ons or to report a log or rtdm ®nd. 1-800-903-3637 For fi-.dine acmunt service and speaal -,tourer offer,, log on tot www c*ulonacom Send paymmts tot Surd inquiries to Arm! Rm>iuana Promsing Capital One Services C.Pad One Se rim P.O. Boa 85147 P.O. Bor 85015 Richmond, VA 23276 Pkhmmd,VA23285-5015 PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 JAN 04 - FEB 03, 2005 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 03 FEB PAST DUE FEE $29.00 You were assessed a past due fee of $29.00 on 02103/2005 because your minimum payment was not received by the due date of 02/03/2005. 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 Plemerurevenerideforimfortant infimmatien Bd- dto r ?i< CornrfPR 8 ?? n w PURCHASES $4,69LI3 .07096% 25.90% $103.19 CASH $1,047.32 .07096% 25.90% $23.04 ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052278426453 03 5832840200005832842 Plrmep.irrt maifi gaddmr? r-nrai! ?gr.be! urus661 arblar?rne. New Balance $5,832.84 Minimum Amount Due $5,832.84 Seat Apt I Payment Due Date March 03, 2005 City state ZIP Total enclosed $ Home No. Alternate Phony Account Number. 5178-0522-7842-6453 M #9003513561148552# MAIL ID NUMBER Capital One Bank ?- JOANNA L BALL P.O. RichmondBox, 85147 VA 23276 II111 1111IIII1III to 924 WOODRIDGE DRIVE ENOLA PA 17025-1545 w ?ntIII ruIll, utItill t?uu??t?s?u?u?t?t?ut11111u1till 11 Pleare uviteyowaaount number on your cberk or money order mru/rpayabte to Cafital One Bank and mail in the enrhred en Ivpr. a? 8 o , 0 Om, OWN beginning balance of each segment each day, add any rrrracactears, to each csegttaarrk an en the sfrom ubtract anyf He Statement nett to '9dRRatca ROD Applied To: ws also Subtract any unpaid filare s charge ktdigod In the balance M east oWnent.) This game us the dally balance of each sogtrtett. rose, we add up ail the daily baknces for each fiber of drythe billing " in the billing peand dAdo riod. INS fivethe total s is the average daily balance of each Segment. 3. An teml ago Rotes fAPRI. a. The lam 'Arrud Percentage Pate' may appear as APR' on the from of cis autsrrmra. b. If the code P (Prime), L (3-mo. UDOR), C (Cemillcate of Deposit), a S (Bankcan Prime) appears on the from of this eatenem nett oo the periodic rate(s), the periodic rates and ANNUAL PERCENTAGE RATES mY vary quauterly my increase a decrease band on the stated Indices, se found in 7)a We# Srnar era my or your sa[enerr[ Snoring October. a G pyno. dhe periodic rate(s), the pedodc rata the Muria previady dadosed to you Tree changes will be ZCP6 an the Brat day of your biro period esdn month. 4. Assmmaa of Leta, Ovarfaalt and Rakmad payment pane. Your acormt will be axe red he more dun two of the fax de sated he re tld occur drdro anry GNfro Period. Undright er to temla of your aatame agreenuvnr, we rraeve tlar wdw or ter to axex any fees vAdrun pale retlRution to witltrul w'alviq an right m assess mfr Same or similar at a late ties. 6. awvAg Your Amount. IT a membw' p t re en she hoot of a atatanem, yeq haw 30 days Iran the dste die aratarhent wen mailed to you m evdd p.yfro tie tee a m law ann. Tce cradled m you if you unoel your accent. aalro the period, yam may carrdnaee to use your ateoun vvitltan hevkp m pay the rodby camp ta+ [ratmiaaR WwDepertment and X Wear "New Balsam' n vll (exdntlrp the in N atibemki You p 4YourAee) qla m fhe end of the WrrydeY PdSOd. S. Class ssent. =r=-'o Of acewnt by s Ming our dyers arimant. You moat destroy 17r erect car and Socotra access chock. cancel dl pmothedzed Wliro, end aax uaYe ywr aocaut. Ii you do ne uresi ;t==r reerMriized 6iNrtp anapnnema, we wf1 canrder r of chargapyar aua r account count n "I I nor your y you rot he dosed anal you pay all annotate hce dherg owe ear bnrAdng: .8%a. ow . youzed, fiv-"9Z. tranxctlw you how audeadue fax, ovadlmh ixa, remold payment 4m, cash advace rem and any oaur fees assessed to your aotwu t. You are reapuirrlble for them mounts YA*dur they appear an your acoam a she time you requrn to cox rime account Or they ere ireurred aubxquem to you request to close the acco rnt. The my resit in dhargm appearing on your account afro you law yen smoutt if it has already been closed For wgrnpie, a you ateMori:ed • p rdrSo tram a rnanc pant and we recerw tine tmewYiort fnonn the merdxlt aver your apWUr lea been dosed, your aaroum will be reopened, the amount of the dorga_ will be added to your adwnak, yyoouu rvi be maparlble for peymOm if them I. a aribsraliP fee for your Scooter. the fee will c-druo by Iswr uqa sir == w has boon `.T w¢aNd n hpas defied above. arxa to 7. Whoneahectial whh arty Y:v Aemtad.Yw utd or assures caret be name[ gambling S. Notice About Iloolmio Chook C-orab , When yam provide a deck as pawn t, you amhorize us elder to use information from your duck to make a ore-time electrodc Iced Arm* ban your bank acco rs or to process the psymert es a duck transaction, When we use information from your duck to mite an electronic fund transfer, Rawls may be wMwlramh from you bank account se seat as the same doy ere recelw your peymerm, and =on l not re4'9iw your check back from your Nnahdal BIWNG RMITS SUMMARY fin CCwy am, Of ? b1i ISQuawWre 'bon you SIN) Infomaaan m a trarac krw%r NN, v honor ear an a xparam Slheat se - sot ;ensile st the address for n4irlee dhorrrt en the front of this statement. We must hear from you no later than SO ddrsyy sva vve sett you the firs bill m which the error a prohiset appearsd. You can pcaalllsa. Customs, RelsNer nniher, but doing so will not i ydr dghm. n Yeur letmr, rive us the fdlowv,g nfamatlon: yon rome stn arraurrt ember, the dlollar amour of the atspeetad error, a desaiptlen of the emor and an wplwtiory R po ", of whyy you believe them Is at error or R you need more hnvamaWry s rlescdptlm of the Ran you am uruie abet You do not lava t pay atry atnant In question while we am nvaalgadro k, sir you ire still (gated top pens of yar bIT1 the am not question lNEie gem your qu-d^ we uma rapt alt iris, goera or mks any action to collect the t,t Special Ikle Tor Credit Card Purchases Ii yes levee a pmblan with the quality of property a I tier you purehesed whM a credit un and you hew tiled in good favh t correct tit proNen with tie n rill npoittnto pay the ranainng amount dua on the trchets, You myphtsoopeogy rho dor services. Your how this protecti u(tAy mint tM than pgdase prcfamado in ywsltona state Or $50.00 arhd tie ruse m w11Nn 100 miles of your mating aldreek Of ere own or operate tie mrcfrrm, a ii wa ensiled yw the adwrtlaemet for the property OF savkm, ON pureheese am cored regardless of stash or location of Purchase.! Phase remember to sign all wrmspode ce. t Does rer aPpfy to cwmaner eon-cred/f car/ ecrormts f Does not apply to busfaex no Irdlllt cad actorats One supports Information prhvscy protection: sea our at wow. w.oan. Ott is a y rod service mark of Capitol ? Corporation A71 rights rsaewd a 2003 AK t a. Gram Period. You Ml ham amirwnm grace pedod of 25 days balance transfers, finance special charge purOn new chases and new other charges It you par your lord 'Flaw Balance', In accartlance whet llr it, portent Notice for payments below. are In tiro for it m be cradled by your ran stetemam aoYrq oats. There is ns grace period on cash a&- and apedd traders. In addition, there Is no grace period on anY traractim if you do not pay the total New brtca.' D. Amooruitp FYnanss Charge. Tranvactions which am not atbjoct to a grace period are assessed fiance charge 1) hen the rime of the trahxction or 2) Irmo the data the transaction is processed to your Accouter or 3) from de first calendar day of the carom biro owl. Adddoroly, if you did not pay rime 'New Balance' hen the previous btUkng period n hid, Ortartce charges continue to accrue to Tor to"Id balance gtlil fhe unpaid balance is paid In 1ul1. Tire mew that you mayy atiN owe fiance durges, even if you pay the entire New Balance indicated on the from of your Statement by the rata statement dosing date, but rid not do ee for the previous month. Unpaid finance charges are added m tit a aegnert of your Accant. t c. viirsarn Fnahm fu asdl biing paled that you accord hs( a fin50will beance charge, a mlrimurn total RNANCE )rlgAeactEotofn$0.ppilnpmad. Ifymfour peMdc rate(sia lax dun 30 60, wearill attract theta amount from the $0.60 minimum and the difference will be foiled m the ptadnsse sego o1 your adxant. td Tanpely Rsrkealdonh n Fitrwa Chrpa, We reserve the right to not asses any or all finance charges for any given pft& 2. A NvrpaN OYy BWaa fkrkr?ra New Purd-l. a. Rranc?e sharps le ulatlated by mttltylyvnp the daily balance of each aepmuht of your aceam fe.g., ceah advance, purchex, q=.11.r, fer, and Special purchase) by du coneportdng daily lo dc reteq) that has been previously disclosed to Yqude end of salt de the biing period, we apply the dally periods rate for each of eccasn tothed?gyy belarhce of each aegnemThenyae at the end of der hM1 up b of tlrx dally falalatlorr tparrive aweyaaudd periodic from each rich SeM add upr p results von err[ t to o arrive at the total perlodc fironoe deeage ioof y-,- second. To get tie daily balance mr ao dh aegnenr steam, we alt begiminp balance for each segnrm and add my new, trarectiw and any periodic finance chugs ulaisted an the previous days balance for that se, . We Utah abtram cry paymeda a credta peeled as of that day that ere allocated to cat eegrtnt. TNa alms us the separate daily balance mr earh segment o1 Your accP.% However, I your d de New Sslance shown on Your previous alaemem n v1 (or if your new balancepeavex to your zero orpurdax a aeM amont), anew iraraattians rhRuidh a special purelhaee segments am not added io du elegy balances. We ulculse =a ge elegy balernu by wiring all the dally belanc?ea and d the urn by the number of the day. In the arnent hiro ryde. To ralalate your total der Ny?pedodcteuaerd h Mar ararrhbgru obi dye hero tla dlihe period Due to rauMrq m a dory baffia, there may he a p aNgln variance between Ws ulculadan and the amount of finance carpe actually assessed. b. If dhe code z or N eppeam on the frets of d b aammnt rein to 'Balance Rate Applied To; m multiply the Impartam Nelsen: Paymaxa ydw mil m us wIN bs oed[etl w your accedstt ae of dhe btarinses day hoe recelrs i4 Provieed (1) you aerwl rho bottom portiol of cis natenem awl your hilxk In alt edoeed remitlaws erwebpe and (2) Yaur peyrrtet is rmceivad kh w pracwairt setter by 3 Ptn. LT (12 nosh PT. Pbasa Blow a Ins Nve f5! bainaw days mr portal dalhery. Payment received DY us at cry otler khcatlon a in any otltr form my art be credtmd_ x of alt derv we raceiw Mom. Qr bdtirose days am Mogey t)awdh Saarday, wodWrq hoNdays. Rinse do not use staples papa c?a as when Prepednp your payment. Wien yhu send us a duck(s), Yeu aWedze der [rake sent-Are dectrenk trorda debit flan acctarm for tie eneoex of tit duck This aWeriza[ton apgim t a1 decks mcavod dakp the birq cycle sumo if sent Yo+r bank us to rake a dharye agekrt your bans eccetrm tatkp dhe duck, a paper Acv a other item. by xrrneot ere. R vra umot procase tie vansfar, you audedza • Now with 003 FREE Accelerator peoplepc- online • for the first 12 mouthst-a •BO value u A getter way to Internet. ` PeoplePC Online offers the features you would 9expecA ? from higher-priced Internet Service a Providers at half price for the first 3 months! 1 ? v QA ® Virus Protection powered by symantec- 4a month for ? thereafter ® Pop-Up BlockerTM 1?1 Spam Controls SIGN UP TODAY! or I Smarter Smart Dialer Technology ' 1-888-587-9669 9W EW More Email Addresses Mention Offer Code: EMERALD Or visit www.peoplepc.oom/go/emerald ®t Internet Call Waiting PLATINUM MASTERCARD ACCOUNT FEB 04 - MAR 03, 2005 5178-0522-7842-6453 Page 1 of 1 Account Summary Payments, Credits and Adjustmcnts Previous Balance $5,832.84 Payments, Credits and Adjustments $•00 Transaction Transactions $29.00 Finance Charges $117.01 1 03 MAR PAST DUE FEE $29.00 New Balance $5,978.85 We will be changing how we allocate payments and credits to your account no sooner than your Minimum Amount Due $5,978.85 June 2005 billing period. As stated in your Customer Agreement, this may include allocation to Payment Due Date April 02, 2005 balances with lower annual percentage rates (AP.Rs) before balances with higher A.P.Rs. Please call the number on the back of your credit card if you have questions about the specific changes Total Credit Line $5,000 to your account Total Available Credit $.00 Credit Line for Cash $1,000 You were assessed a past due fee of $29.00 on 0310312005 because your minimum payment was not Available Credit for Cash 8.00 received by the due date of 03/03/2005. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. At your service To col Customer Relations or to relwt a lost or stolen card.- 1-800-903-3637 For free online aooount service and special astomer offers, 4 on to. www.capitaloneoom Send payments to: Send invirin to Attn: Remittance Pmcasing Capital One Bank Capital One Sa m P.O. R. 790216 P.O. Box 85015 St Louis, MO 63179-0216 Richmond, VA 23285-5015 Important Account Information Please review the important information enclosed with your statement and keep a copy for your records. Finance Chargcs Please ree revare ridefor important infwntattiioonn B.L.a%` p,-c ce"g ?GE PURCHASES $4,819.59 .07096% 25.90% $95.76 CASH $1,069.46 .0709676 25.90% $21.25 ANNUAL PERCENTAGE RATE applied this period 25.9096 PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 5178052278426453 03 5978850200005978858 Neu' Balance $5,978. 85 Minimum Amount Due $5,978.85 Payment Due Date April 02, 2005 Total enclosed $ Account Number: 5178-0522-7842-6453 Capital One Bank P.O. Box 790216 loll 11111111111111 If 11 St. Louis, MO 63179-0216 11111111 111111111111 111111 111111111111111 1 11 uu11111[11111111 Mrmrprirrtrnali gads emailrG>Rges bet v.+,rm- o Krk in.k 5teet Apt 4 _ City Snee ZIP tiome kl o Al- Phone #9006313561148554# MAIL ID NUMBER JOANNA L BALL n 924 WOODRIDGE DRIVE N ENOLA PA 17025-1545 ?n o ? r Plearc i teyoar aavant namba wyossr rbak or money order madepayableto Capital One Bank and mail in the enrlored envelope. peoplepu online JOANNA -BALL Abetter way to Intemet, 924 WOODRIDGE DRIVE URIAM I T ED INTERNET ACCESS SIGN UP TODAYI 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.com/go// meraid 'If you wish to tale a dfferant cmdlt ori to ask qusstions a to ceoal, oaf 1-900-927.9371. You Thork-You I. nkroty, days of your salaams free. AW your hoe period, your adac6cm A continue at the price, Indcaed for a total of fifteen months. Drip your bee period, you will receive a reminder notice. If you do not cal to canal. your eoc curt will be charged ninety days from when you make you sebclx n Thereafter you will receive on annd notice rind your saMeDas will continue at the rate on time 110606 la to next year of issues. Allow four to kin weeks for deNary. If a Hb becomes unswiilabb, R will be repboed with one of opal a greater wiles, Call to wool erytine Ax a refund for uhservad Issues. Val d aadl card rogdi 02005 Nevhlb Magaazine, Servloes LLC, Farr High Ridge Park Stamford, CT 06906 Is the vendor and reservoa the right to knit orders. 2006 Capital Ono Services, Inc. Capital One is a federally registered service morn AI right; rosarved. Any trademarks mentioned herein we sdey award by gal respective ontly. NowSub Magazine Services LLC is solely resparsi for gas offer and is not affiliated with Copkal One. Capital One dots not provide, andorse or fluor ntoo and is not affiliated with my product or service shown hero. By responding to this offer, you may be communicating idamefion abort ywraeR to the oo mpey that provides this prodzci examPb. Niat you we a Capilel One customer. -r a. (Rase Period. You sum hew ragaminimum grace period of 25 days without sfinance chat cial on idmnever eaa new purchases, omenewr balance nce ai maw pal and charges if =Your Your toel 'Now Balance', in accordance widh tier Imponom Notice for payments below, and in tine for it to be credited by your next statemem and aedal trasfers. In addddtbn them Is m Iitrace period m arty tral'"i if you do not pay the total Now bola we.' b. Asarukp Fhahw 0-9. Trareadbrs which am not i=ttodato of the [r?anaaactlm iron the dale the or 2) transaction is processed to your Account or 3) from the first calendar day of the twnart Wfirp Paiad. AdddonalY. it you did net pay the "Nev Balance' tom the Previace baling period in fill, finance cargos continue to acme to jar unpaid balance until the unpaid balance is paid in full. This means that you may st01 owe franca charges, even if you pay the entire New Balance, Indicated m the front of yea statement by the rant suternan doaep date, but del not do w for the previous march. Unpaid frmamco changes am 1. t c i added the applcabla or each w oil ? ? . Minimum Pit ihahse Gnaw For each you aex10um Is seb.ect to a lemaco charge, a mninimun tonal FINANCE CFfIgAe E of 41410.50 wig beppllmpwed. If the total Insoncer the a cation of periods rate(asle hex then 3 60, ime I subtract I=r amount from the $0.60 mnimum and the dffemnce will be billed to the punt - seg+tend of your accent. td Tarnparsry Adaoien in Flhrhea dhrgs, We reserve the r?d to not asxx any or an irance dargm for any given 8 0 N O mN PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capilal One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentbred heen am solely owned by the respective entty. AA rights reserved. By responding to this ofier, you my be communicating irdormation about yoursed to the company that provides this product - for example, M you are a Capital One customer. 'PeodePC Online: Fast 3 months are billed at $4.97 par month; $9.95 per month thereafter. Offer available to new dial-up subscribers at least 18 years d age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support avail) for $1.95 per minute. tAocelerator is free for 12 momhs. Offer good tot limited time. After the fast 12 months, the Accelerated sw ks will autmatkalfy revert to the standard PeoplePC online service. Offer subject to change at anytime. With Pm*PC Online Accelerated, certain Web page teed and graphics will bad faster when compared to standard die)-up Internet service. Actual results may M. PeoplePC Online Accelerated is only compatible with Peo0sPC Online ntenat swrvke and specified Wnrl browsers. Peopll Online Accelerated is not compatible with Windows@ 95 with E 5.5 SP2. Service not aval" in all areas. Access fees, taxes, and other fees and restrictions may apply. Tekpho ne tog charges may apply, even during his[ periods. You are responsible for determining whether a cal to one of our xcess numbers will result in elechone tog charges. Access may be 6mhed, especially owing times of peak usage. Dial-u47 numbers may be charged at PeopaPCS discretion. Continuous use subject to timeart procedures. All use is subject to PeDplePC Online's Swwkss Agmement and Acceptable Use Policy. 56K is the msudrtum speed of service; actual speed may M. 0 2006 PeoplePC Inc. AI Rights Reserved. PeopiePC Online and its logics are Dademadcs of PeoplePC in the U.S. and other countries. 0 2OD5 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. periodic me. To obtain the average doily balance for the od wwmd by this statemet, m take the balance of eeaccrh segment such day, sold my new to each ingir, arid subtract any pa oicreft. code am nob the to I IN Ra[a Appthe f owf9Usse also subtract any upald ihace charge ic#dsd in the balance of each segnera.) This gives us the doily belarce of each segrners. Tmaa, we add up ad the daily balances for each segment for the blEV paled and divide by the toad number of dyer In the bddhp period. T via gives ur the a dilly befanca of aeon esgnent. 3. Amual i gal Rates IAPRI. a. The term -Arreaoi Percentage Rate- may appear as APR' m the from of this statement. b. If the code P (Prime), L (3-mo. UBOW, C (Certificate of DepooiU, or S (Bankcard Prime) appears m the from of this statement room to the oeriodc sari the oeriodc rates and ANIJAL PERCENTAGE RATES MY wry gusrtedy may Increase or decrease based M tits Gated indices, as fond in The War// Street .10~,, plus the margin praMwdy tltedoxd to You. wnl be a c ifs lion[ day of your Those These per uhverod by your Period. statement encill In the morons January, Apd, Jdv and October. G. If the code D (Primel. F (1-ma. LIRORI or G 0- .-K heprrceir are" appppooaare on the front of your and correvomill ANWAAcPERCINfAGthe E RATES my vary mantNy aandd may ehaeax or docreae, based on the sated hrlces, as loud in The W.# Sheer Jm-a , plus the margin previously disclosed to you These dwxm will be effective on the fire: day of your billing period each month. 4. Asaeasmam of Late. Overlook and Retuned Paynwt Fears. Your accost wla be assessed m more than two of the lees Noted hem that occur during any billing period. Under the terns of your aartomer agreement, we reserve the right to waiw or not to assess army hex without prior n lificatien to you wdtsu wall our right m areas the sane or similar fees at a later gone. 61*_s. rp Yerr Aaeout. If a membership fee appeom m the from of this ataement, you haw: 30 days from time date the statement was mailed to Yu to avaid paying the fee or to haw such fee credted a you N you cancel your account. Dung the period, you may continue to use your account WtMn having to pay the ,-*mail, lee. To cancel your octant, you meet ratify us by caing err Dstomer Rdatane Depainmam and pay your -New Balance' in off (excluding the membership fee) prior to the end of the thirty-day period. 6. H You Cbso Your Aaonram. You can request to dose Yyaouu eccout by ling our Customer Relations Departmem. You must destroy your aedt ramie) and account a- . ks, caned dl preaul10rized billing, and cease useq year aocaen. If you do not cancel preauthodzed ling artarpemerro, vre WN consider receipt of a charge your authotfzatim to nwm r account. Additionally, your account wAll a ed uda Your pay all amounts you owe is in hAng: try transactions you haw authorized, Mare charges, past due fees, overlimh fees, returmed paymem hem, rash advance fees and any ahem teen assessed to your aocaant. You am responsible for these amounts wMther they appear on your account at the time you requen to dom the account or they are incurred subsequent to your repast to dose the account. This may result in charges appearing m your accent after you haw your account if it has already been dosed. from exenplo, if you authorized a pudrm from a nerdarht eel we mcs1w the Immolation from the merchant after your account; has been closed, your accent will be reopened, the enocnt of the chat will be added to jar acwurrc, and you Will be reapo?Wla for peymera. lftiara Is a membership fee for your account, the fee will commas m be dremod, is tier eaaem pomttted by law, uhd tie accaart b?enc?e has been Paid ln 1W as daM1Sd above. 7. uthfing; sed In m? r ec with any I erne[ am cannot be e bling transactions. 0. Nod" About Electronic (hook Crwesion, When you provide a check as payment, you aut horbe us either to use Information from your dock to meko a ono-time electronic kid transfer from your bank account or to process the payrne t as a dock transaction. When vie use information from you dock to make an electronic find transfer, furls may be witdmvm from you bank accsut as won x the mine day war receive your pe}arham, aq you will rot receive your check back from your fmahcial rnsti[uoon. BILLIN3 RIGHTS SUMMARY (h Cam Of Ertom Or OuoWws About You Bill) If yvu tNNk your teal Is wrtrp, or D you need more Infortmetlm on o trerneaxbn or bill, writs to us m a aepamm slheat as soon as possible at the address for hquhrise stemwm m the from of the statement. We nhnst hear from yu ne leer than 90 de aka we rem you the flrol hill m witch to eft r or problem appeared. You can call our Customer Relators number, but doing so vAlt net Preserve your rights. In your letter, give is the followhg nfonnstion: your home and acceut number, the dollar mount of the suspected error, a deacdpton of the error and an explanation, if Possible, of wwhhyy you bdbw them b an error, or if you need mom inermetion, a dssedpdm of the item you are usure abou. You do not have to pay any amount in giguae[setdnn whsle vve am hvesid, smp it, but you am till on. vzain =gja ofuyo r- hilt that am not perm Yo i e Lion, we cannot report you x deangam or take any action to eDlect the amastt you gtestiorm. I,t Special Fate For Credit Card Purchases If you haw a problem with the quality of property or m:mces tat you purchased with ithe Problem w credt cam ant you haw triad in good faith to cerrac[ ith to merchant, you may hew the right rot to pay the m n k imp amounm due m thepraperty or services. You hew this Protection only y villain Ube Fssada h grslsrta state or 950.00 and the purchase wear m then within 100 miles of your maiarp address (If we own or opaae tier mendmsm, or If vat mailed you to edrertl ,=m emm[ for the property or services, all purchases era wverod regardam v amount or locmah of purdex.) Ream ranemba m sign ell arrrmp-loon e. t Does amt apply a coosamar norm-ctn. W card &-nits I Does tier apply to btnyrress -edit card -t, Capital One supports infonnatiam privacy Protection: son our weDoiter at www.caphygrho.cerrh. Capitol One Is a federally registered service mark of Capital One Financial Cop..d- All rights reserved. a 2003 Capital one 01LOLBAK e. Firsnee Jorge is calculated by nmltiplyhp the daily balance of each segment of Your accent (e.g., cash advance, purchase, special transfer, and special purchase) by thecorresponding ? ay periodic rate(s) that has been previously disclosed you. At the end of each der du The bUIV perod, we apply the duly pedodc rate for each segment of you account to the dallyy balance 1, segment. Than ar to end of the Nllep period,o we add up the results of tleae dally cadalatione to arrive at your periodic finance charge for each segment. We add the results from each segment to will at the twat pedoodc finance tlurge for your accent. To get the dairyy ba?lace for each eegrnet of ydr ac_I, we eke the begiming balance for each segmem and add any new transaction and any pedodc finance charge calculated on the previous day's balance for that segment. We then subtract any paymerms or credal posted as w tat =Y:` am elt-,ad to that seorent. This gives us the xpdaily balance e , r account. However, if you pad the your Previous statement in ai ter if your rhew hot.- was zero or a aedt amom), new transactions Wich post to your purchase or special purchase segments are not added to the deity balances. We calculate the average daily balance by adding all the daily balances together and dvidng the sun by to number of the days in the current idling cycle. To calculate your total daily ppedadcc charge, multiply a and by t your numb b number of des balanoe by In the bull d l perood Due to randrp n a daily basis, them may be ell aright variance between this calc lotion and to amain of finance carpe actually assessed. b. If the code Z or N eppoem on, the from of this eatamam my to 'Balance Rate Applied To,- m multiply to Ihrportanl Notice: Paytnanm you msl m u will nd aede0 m yur eccouam as of to Dueness day war mceiw h. providetl (1) you eentl rho bottan portbn of rte statemurnt anti yur deck h to arhcioaod remittance erwabpe and f2) yvur peYmam ie mwlved In our prxoeake [zrmor Dy 3 p.m. ET (12 rhown PT1. Pleam allow n last[ flw (5) budrham days for portal tlaRwry. Paymarhe recelred by us a[ try otler bcatah or in any otter form may no[ De cradtod_ u of der dry wo mziw than. Our bc?iresa days am Mahrlay tlaaayh Saarday, exdudrp holidays. Please do not [se napbs paper dinar etc. vHhah properinp you peymerm. When you xrxl [s a chxkls), you aumsdze es m make a ono-time electmrtc «rsfer deer bun ywr bank accouut for the amounm of rho lack ThiB aertleriZatiorh appaea m d dacM mceivod [knell tfa bang cydo ovm if mx by someone dm. tt war camp[ proceaa to trouser, yvu autMrize to make a drrge ageest yur batik account seep tie deck, a pallor daft a other item. us 020 Protect your account. Enjoy peace of mind. • pays the minimum monthly payment on your account if Pa lose your job involuntarily or can't work due to temporary yment disability. P _R 0 T E -Ti 0 N • gives you up to $so,ooo of credit coverage in the event of death. fmws Ca OW • costs just 89 cents per $ioo of your monthly balance. • ENROLL TODAY! See reverse for enrollment information -• 020-0702 Caprt l oWee PLATINUM MASTERCARD ACCOUNT DEC 24, 2002 -JAN 23, 2003 5178-0522-7842-6453 Page 1 of 1 Account Summary Payments, Credits andAdjustments Previous Balance $.00 Payments, Credits and Adjustments $.00 Transactions Transactions $36529 Finance Charges $.00 1 11 JAN TARGET 00012542 HARRISBURG PA $220.75 2 11 JAN HEC14T CO. LADIES BET HARRISBURG PA 16.99 New Balance $36529 3 20 JAN KMART 00074708 HUMMELSTOWN PA 6828 Minimum Amount Due $15.00 4 22 JAN GIANT FOOD STORES *S1A CAMP HILL PA 2027 Payment Due Date February 22, 2003 5 23 JAN CAPITAL ONE MEMBER FEE 39.00 Total Credit Line $5,000 Total Available Credit $4,634.71 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 At your service To all Customer Rdatioas or to report a lost or holm card: 1-800-903-3637 For fie online aanunt service and special astomv offers, log on to. -espitalonecom Stnd paymeeita to: Send ingiirift t0: Attn: Remittanee Processing Capitd Ones- Capital OntServi- P.O. Bos: 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information For service in Spanish, please call (800) 929-8137. Para servicio en Espadol, por favor marque 800-929-8137. F-mane Charges P/erue ue re ie fide* important information Bd roa Period Corrrspardsrrg dfi ? rNR E y PURCHASES $.00 .04082% 14.90% 5.00 m CASH $.00 .04082% 14.90% $.00 v ANNUAL PERCENTAGE RATE applied this period 0.00% PLEASE RETURN PORTION BELOW WITH PAYMENT. ct ftalowa 0000000 0 5178052278426453 23 0365290000000015009 New Balance $36529 Minimum Amount Due $1soo Payment Due Date Fe6uary22, 2003 Total enclosed $ 1 AccountNumbe 5178-0522-7842-6453 Plrmrp.irerna lr dadd rr.? e-mai/rA?mgrsbr7 e;riw6Y -,W.,kiek Street Apt! Gry Snte ZIP Home Phone Alternate Phone #9002413561148556# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 llluillnnltlu?lle? 0 924 WOODRIDGE DRIVE Richmond, VA 23276 e ENOLA PA 17025-1545 Inl?lullinltllurl?llullenlln?l?uellurlirnll?uilml ° ? lurlllurllluutltltltluulhlrluleelrltlnrlele?eelelull Please [ante y nw amount niwnbn m your tberk or money order madepayab/eto Capitd One Bank msd ma/ in the mfvied emxlppe. F r------------------------------------------------------------------------'s 1 To enroll in Payment Protection: ? ; 1 i Call toll free 1-$$$-527-3014 or return this form with your Capital One' credit card payment. i 1 1 ' 1 1 When you call, please mention Key Code 3P7 1 1 ' ? YES! I want the peace of mind that comes with Payment Protection 1 . 1 By signing below. I authorize you to enroll me in this program to JOANNA L BALL 1 1 j safeguard my current Capital One account. I understand that by 924 WOODRIDGE DRIVE ; 1 enrolling, I will be charged $.89 per $ioo of my monthly statement ENOLA PA 17025-1545 1 i balance that will be billed to my Capital One card. See Important information below. 1 1 1 Signature Date -JI ' ' 1 1 1 1 authorize Capital One to forward this coupon, which includes my amount number for billing Account* 5178 0522 7842 6453 1 1 purposes, to the company that services this product on my behalf. 1 Please sign in black or blue ink only. Detach and return this form In your Capital One credit card payment envelope 1 ----- . --- ----- ----- ---- ----- ---- ----- ------------- A WO Take the tmbagY?wg bdrea of Beach ssegn- Nch day, aadeyamnyern[esw or cradits. to each , and ruitract an ( the D110 N apeei rs m the front ofpd his statement next a Rate A,- we also subtract any unpaid finarhce d* w Wad In the balance, of each egnatt.) TWO gives Wof ac) This the dally balance a each Ngnem. I r-1, ova adW=- A to daily bNen ion for each o -tile bi tjie by de tad '. in lance of arch agmema.s glvN ha the average daily ba 3. A sal Fer aortas Rates IAPRI. a. The tam 'Annual Pereartage Pate" may appear as APR" m the fray of this statement. b. It the code P (prime), L (3-mo. UDOM, C ICodsca a of DepoalO, or S (BWtcard prime) appaN m the front of this hole read to the periods ne(a)r the Periods Faros and carNq AMi/AL PERCQirAG RATES wry on y Pa tarry Nmpary Incr ase or Wdecressmaff based to stated indices found T)msa VW, dnrus; #W' M atfocdvs m disclosed ciao y f baling ported covered Dy Your;sleds sutaisrs your mirirram "rarwn , nyeawwspe far rrneeN and new other rrce?witlt tier Imponam Notice for payments below, IYne for it to be cradled by you next statement date. There Is nc grace period on cash advances Kill transfers. M addition, dare IS no grace period tramacton It you do not pay the tool "Now a FFaahw c rge, Tra .d- which am not to a grace period are aamsaed finance charge 1) e date of the traaaNon or 2) from the time the don Is Processed W Your Account a 3) from the 8 O N o I N N [mul he margin on previously disclosed to you. These welt marsh. the first of clay your ball g changes 4. Aswanat of Late. Ovalnit ral Rebrned payment Fees. You exam wall be assessed no more than two of the tees fated here than cocur doing arty billing period. under the tens of your customer agreement, we reserve the right to wain or rot to aeaem my fovea witha at prior retiicatm to witlhaa waiving our right to assess, the same or similar OF a later tone. 5. Your Aeac rt. If a membership fee appears on to from of tier statement, you have 30 days from the data this nateme m wes mailed to you to avold payMhg the fee or to have such fee cmdted to you If you "noel your account During this period, you may cordiale to use your exam without having to pay the mem6eMip fee. To cancel your aocaun, you mast malty us by eairg our Crstomir Ralnkrs Department and pay your New Balance' in ill (excluding the membership fee) prior to to and of the 1 irryday period. 6. H You class your Aeomai. You can request to chose yyeatr etearn by calling our Cstemer Relations U?arbmaht. You rust destroy your credit card(s) and account access, cheeks, cancel all preaud odzed billing, and txax your amount. If you do not cancel preaulhodzad Wing arrangements, we wN consider receipt of a large your authorization to mapen your account. Adcidoaly, your aooant will not be closed until you pay all ;morns Yea owe us Including: any transactions you haw autledzed, fihaKe charges, pest due fees, overfimk fees, returned payment fses, cash advance tees and any oiler lees assessed to yam account. You am responsible for these sroouns whOther they appear an your acoant at the tine yWaum requht to dose to account or they are incurred aubeequent to Your regcen to close the account. This may resuh in verges appearing an your account after you haw your account if it has already been closed, For example, d yw outodza?daacp?anq?x from a merchant and lure the the merchant after youir aocaa[ hm- bt cba d, ystu atxcuK cell be mopand yam accw[, an smarm of tteata charge. for be added .toIfalas, Is a marribership you will The for your a e t, the f the extent pours ne fay will continue law ntlr to th be chsrfgqaB4Q W rite been as c , alb the aOCart b?edarlCy has beal paid in full N defined above. 7. Vairo ra: AyaouK.yw card a accent caact be hh mnacctlan whh arty Imema[ gernblhhg traramcbrs. 6. Naloe Abaal Elsamaris Clhsak C;nnsrsbn When you provide a check N payment, you audledze -either to use iMormsum from your deck to make a one-rime decuonic fund traefa from your bunk account or to roeNthe epay? N a deck transaction. When we use you dock to make an electron AM traefar, fund. may be withdrawn franc your bank accent N soon se the same day we receive your your payrnm[, flrnandal aq you will r.receive your dock back trap nrrtiturionat BIWNG RIGHTS SUMMARY On Case Of Ermre Or Ocneatorre About You Big) If you thin[ your leer lo rnong, a t you need moo Infomhetim on a [m-tio n or bill, write to - m a aram Beet - soon N passible at the add- for rise alh, m the from of thisshaemert. We mcet fira[onh?a4ich later error 60 day. after we sent you the the D appeared. You can call our Customer Relations n rriber, but doing so will rot preserve your Fights. In your letter, give us the following nformetlm: your name and account amber, the dollar amount of the suspected error, a description of the error and an explanation, if poxals, of why you believe them is an ahem; or if you reed mom information, s d-dption of the kern you am unsure about. You do not hove to pay any amount in (postal whls we am iwuedgetig k, bu you am sail obficpwt ?d m pay the parts of you 6i tlat am rot In questiort.lNhilo we Investigate your question, we came report you i defingnen or to any action to collect the amount you question. t,t Special Rule For Credit Card PLachaime If you hew a problem with the quality of property or services that you purchased with a tract card and you hew tried in good faith to cerrect the prdlan with the merchant, you may hew the Fight rot to pay the remaking amount due on the poforty or services. You have this protection ONy when tr Mrdws pice was mom than S60.o0 all thy puelax was made In your home some or whin 100 miles of your mralrrg Wdrae. Of ww oven or apersw rho merdsnt, or If we mailed you the advatlamont for the property or services, all purchases are ce-rod regardsse of snare or load- of purchase.) Ploese remanber m sigh all correspondence. t Does not apply to coesrnnwr non-credit card ecmrmts t 0bes not apply m baldness r-erddw card secoueft One nppors information privacy protection: see our n ==1=- Onservice mark of Capital mulli; wnou n mar, mane o arges commas to acme to yyaamr unpaid balance veil the unpaid balance is paid In full. TTis mess ==We- ll owe finance charyN, even it =pay to mdcawd - the tram of your statement by the next stnamant dosing date, but 6tl not do x for the previ" month. unpaid iimance cho ere added to the pp1cad aeQnart . of your Accent t c. Minoan Fhhaeeachrge.erar each bing period tet your account Is aubjec,[ to a fi once large, a minimum total FINANCE CHARGE of 00.50 will be hnposed. If the toW frurax carpe reald Iron the aoplcation of your periods raela) Is r than 00.60, we vftl subtract that amant from the 00.60 minimum and the difference will be piled to the purchase sagmr of r account. t d Temporary Redman In Fihrhea awps. We reserve the Fight pe?ssees any or 86 finarnce durges for any given 2. A bblwrps Was.. rYhMda Maw P rWNUI. a. Finance large b cdWeted by multiplying the dairy balance of each segment of your account (e.g., cash advance, purchase, special transfer, and special purchase) by the corresponding daily periodic rib(s) that has bee, I-Amdy disclosed to you. At the end of esdh day duap the billing red, we apply the dailyypedodc we Mr eafi am entt. Than at der endtof the bi Yhphepemlodowe add up the malts of lox dally ca=Z, rlodc i.nhce der M dal hp the reams from each seg t to anhe at the total periodic finance charge for your accent. To get the dailyy balance for each segment of your axon, we take the aeglmmg balance for each segment and add any new transactions and any ppeedodc inane carpe calculated w the previous day's balance for that segment. We than subtract my payments or credits posted u of that day that are allocated to that sagmern. This gins us the separate daily balance for each segment of yon acco ru. However, if you paid the New Balance shown on your previous statement In 'a (or if your rew balance was zero or a crest amour), new tFersactions which post to your purchase or special Purchase segments are not added to the daily balances. We calculate the average daily balance by adding all the daily belanxa together and dNdig the sum by the nether of the days in tre current billing cycle. To calalate yea teal Inca dmrge, multiply your average daily balarce by the dally dock rate and by the number of days In the billing period Due to rouWmg an a daily basis, tom maybe a eight -dance between this calculation and the want of A- thempe actually assessed. b. If the coda Z or N appears on the nom of tthis sramahent next to 'Balance Rate Applied To: we muiddy the Important Notice: Your payment will be credited to your eccount as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. P'peoplepc- online \1? A better way to Internet. 97 _' Surf up to '• 44, 5x faster,, FREE Accelerator for the first 12 nwnftt-a $60 value! 1-888-587-9669 Mention Offer Code: DIAMOND Or visit www.peoplepc.com/go/diamond UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by Symantec- 18 Pop-Up BlockerTM Spam Controls ® Smarter Smart Dialer Technology ®? More Email Addresses ® ?i Internet Call Waiting Capitalow, Account S Previous Balance $365.29 Payments, Credits and Adjustments $20.00 Transactions $1,660.45 Finance Charges $16.86 New Balance $2,022.60 Minimum Amount Due $60.00 Payment Due Date March 22, 2003 Total Credit Line $5,000 Total Available Credit $2,977.40 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 At your service To call Customer Rdations or to repot[ a 1oa or stolen end: 1-800-903-3637 For free online aoromrt service and speaal a.tomer off-, log on to _.eap'talonccom Send payments to. Send inquirin to: Attn: Remittance Prorsasing Capital One Services Capinl One Setvicn P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 IniportantAccount Infotmation For service in Spanish, please call (800) 929-8137. Para servicio en Espanol, por favor marque 800029-8137. PLATINUM MASTERCARD ACCOUNT JAN 24 - FEB 23, 2003 5178-0522-7842-6453 Page 1 of 1 Payments, Credits and Adjustments 1 13 FEB PAYMENT RECEIVED -THANK YOU $20.00- Transactions 2 27 JAN TARGET 00012542 HARRISBURG PA $223.90 3 28 JAN GIANT FOOD STORES #S1A CAMP HILL PA 14.30 4 29 JAN BOLAND CHIROPRACTIC HARRISBURG PA 39.00 5 30 JAN GLADFELTERS AUTOCARE HARRISBURG PA 216.83 6 31 JAN ENOLA SHURFINE SEA ENOLA PA 18.33 7 31 JAN INTUIT'TURBOTAX 800-523-0397 CA 42.35 8 01 FEB JCPENNEY CO 2712 CAMP HILL PA 48.93 9 of FEB HECHT CO. MISSY LEVI CAMP HILL PA 59.98 10 02 FEB GIANT FOOD STORES #S1A CAMP HILL PA 42.72 11 03 FEB BOLAND CHIROPRACTIC HARRISBURG PA 40,00 12 05 FEB BOLAND CHIROPRACTIC HARRISBURG PA 40.00 13 06 FEB GIANT FOOD STORES #SlA ENOLA PA 77.33 14 06 FEB STEVEN DIAK DMD PC HARRISBURG PA 25.00 15 07 FEB CVS $2321 HARRISBURG PA 44.95 16 09 FEB CARTER'S CHLDRNWR#695HERSHEY PA 139.80 17 09 FEB BASS COMPANY #452 HERSHEY PA 77.95 18 09 FEB OUTBACK #3915 HARRISBURG PA 58.72 19 13 FEB GIANT FOOD STORES #SIA CAMP HILL PA 56.43 20 13 FEB TARGET 00012542 HARRISBURG PA 71.36 21 13 FEB BABIES R US #6425 HARRISBURG PA 56.66 22 14 FEB GIANT FOOD STORES #S1A CAMP HILL PA 59.67 23 19 FEB ZANY BRAINY #114 CAMP HILL PA 35.45 24 19 FEB KMART 00091231 ENOLA PA 170.79 -C ital One proudly supports the National Youth Anti-Drug Media Campaign PARENTS THE ANTI-DRUG. Stay Involved - Ask Q estions. To get the FREE booklet, 'Keeping Your Kids Drug-Free,' call 1-800-788-2800 or visit ww .TheAntiDrug.comib' Finaneo Charges Pkare see reverse sidefw iimtortant information ? e ru C 1 R&SE trd ' PURCHASES 51,332.19 .04082% 14.90% $16.86 CASH S.00 .04082% 14.90% $.0o ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. C_*Wa1CYte' 0000000 0 5178052278426453 23 2022600020000060000 New Balance $2.022.60 Minimum Amount Due $60.00 Payment Due Date Much 22, 2003 Total enclosed $ Account Number. 5178-0522-7842-6453 Pr?rp a ?tr?Qa? a r?. ,trot bra tgw wad st St- Apc I Ci:7 S_ ZIP Home Pooae Aluxaate Phoae #9005413561148553# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 924 WOODRIDGE DRIVE Richmond, VA 23276 ENOLA PA 17025-1545 ° ?m???ur???uur?i 1r1r1urrtin 11 r1r 111111 a 11 Pleare write yro account number m your clerk or money ordn madetayoble to Capita[ One Bank and .1, r the errrfored enretote. F JOANNAL peoplepu online A better way to Internet, UNLIMITED INTERNET ACCESS 1-888-587-9669 Mention Offer Code: DIAMOND Or visit www.peoplepc.com/go/diamond ?Lop?PC.'s ? er iA e'. with Capital One. Capital One does not provide, endorse a guarantee, and s n late m any c a service sham here . Any trademarks mentiemd herein are solely owned by the respective entity. N rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One CI15taner. TecpleFC Online: Fist 3 months are billed at $4.97 per month; $9.95 per nhont h thereafter. Offer available to new dakV subscribers at least 16 years of age and may not be redeemed with any other offer. Offer sutyect to change at any time. Phone technical support available for $1.95 per minute. tAccelarata is free for 12 months. Offer good for limited time, After the first 12 months, the Accelerated service will automatically ravel to the standard PoD*PC Online service. Offer subied to change at anytime. With PW*PC Online Accelerated, certain Web page text end graphics will load faster when compared to standard dial-up Internet service. Actual results may vary. PeoplePC Online Accelerated is only compatible with PeoplePC Online Intemetsenvice and specified Windows® browsers. PeopiePC Online Accelerated is not compatible with WndowA 95 with E 5.5 SP2. Service not available in al areas. Access fees, taxes, and other fees and restrictions may apply. Telephone tell charges may apply, even during trial periods. You are responsible for determining whether a cal to one of our access numbers Lvill result in telephone tot derges. Access may be limited, especialy during times of peak usage Dial-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. Al use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 Peopli Inc. Al Rights Reserved. PeoplePC Online and its logos are trademarks of Peoti in the Us. and other counifles. 0 20M Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. 9 menace of each Soon" most day, std any new aaV? .rzM m trerua; to each IV Imprisons, lri N appears and subtract a o . (o the code Histo Yal s me ubbacns ( m rheaz pa "BNaaxs Rare AFFIlied To,' we also mcr neaeilifir .) 1Mca charge ths dolly I Included! in the e balance of eight-L Then, we aThis dd tip gives the pddal1?hyy bolatces for each =9(Fmsntfor the burg podod and dvide by the total ranhbor of days .the bNip period. This gives - the everage daily bdarce of each r e¢net, 3. AnahvlPlar vwm.9 Rates IAPR). a. The term 'Amend Pertxatage Pete' may appear as APR' an '4:r he frog of this tmaterrharhL b. If the code P ('rime), L (3- LIBOR, C (Certificate of DtpodO, a S (Bmhkcad Prilme) appeare m the from of this ereosment shed to to period. rate(s), the periodic rates and ?y ANNUAL PERCENTAGE RATES may vary q?arrmnY anho nay krosaoa or decrease based m the soared Indices, as foul In TM Wiry SWW ?OWW, plus the margin rp wiaelY disclosed to you. These ma bee m the firs[ day of your thp Pby your Pollock statsnom axing January, Apt, JW and October. c. If the coda D (Prime), F (11 LIBOR) or 0 (3- UBOR ropraad Monday) appaws cu this tietram ory sad arhd ANNUAtecomsrnet ?ream rtnop tier parted. rate(s), a p.??o.^al•odic may rates, anL PMCE mMAOE IrKTFS may vary moMJy rosy khafear er decrease based m the stared khdces, as fond In The Well Saeet JamN, plus the margin previously disclosed to you These tflarge. VAN be e(fecilw on the firm day of you biro period each month. 4. Assessment of Late, Ovrirdt and Rabrned Psyrsarm Foes. You aceaztt WN be assessed no more that two of iba fare fated here that occur dung arty balling period. tads, the ten. of yea estmler ageemanm, we reserve Me doM to waive or not to Assam any fees without pprior npdtdailm to wfthan walvInO our right to assess thne same or similar s a Imo dime. 6. Yamrom cant. If a membership The appmrs day. from the from of this statement you have 30 dayo aayi the mom Uo hared war mailed you o avid paying the r or account. to o have ash fee dta m you H you caod your u Dui ut period, you may t wnkhue to use, your r account without have( to pay are members fee. 7o drncd your awcaht, you not Dtl the notify hat by by aefew out Balanc?e' in inf felBelaborsl leddudrg the and y Ne m fear) prier m the eM of the thirtyday period. 6. yNyoauYrres Car you Aaasrt. You can regtea m dose edit ueperccc,um m mt You "ling our Customer deannrr ar cz:aurt access decks, caned your pre oath calla) and not an bind, and cesae uarq your ccoum. If you do do no not cared preatrdwrized baNrV ansgemoro, we will consider receipt of a damps you outhodzathm to mapm your account. AddtlanaMY. Your acoon will rant be dwell tmN you pay au he araca youzed,7khance daga, cos ua inc 1T artypat due fees, , oyo mw audnd duo fvedimk has, reltmed paymst era, cash advance fors and any other tea aasesrd to your accanm. Youaremoo ble tic tier amounts whether they appear w your sceount at the time you request to der the account or they are incurred mubsegnenl io you r request to close the accost. This may resit in charge appearing m your accent after you haw your ecco" if it has already been closed For eoratple, H you au horhmd a purchase frem a madmen and we receive to tmnmcdm from the mordent after your accont hot been domed, your account wall be metered, the Met" ? r?? of the clan w9 be added to you accost, rmMerrsermddp fee for you account, to fear wall continue m be cfereeQ m thB soot Itled by law, vN the arson balarwa ht. b=an in full as rolYuod above. 7. Your AsasuhZ card a account carrot be In corrhecdan wide arty I terns gambling trahwcdas. B. llotivv Abort Eilvebordo CMok Cerhyvr:brh. When you prmido a deck as Payrhent, you authorize us older m use Information from you cock to make a one-time electronic fund transfer from you bank account or to process the payment as a deck transaction. When we use intNMMM from fund transfer, fuda yma be withdrawn from your bank account as soon se the sane day we receive your =m oi?ot ecaioe your deck back from Youpay and BIWNG RK* TS SUMMARY (In Case Of Of Err oil Questions, About You BIN) you t! Yaa crag, or If you read neon ptarrnatlm m a trersandah a bill, write to us aft a saparete sleet as soon as p ..No a the sddess or In4driaa Mown, on the fast of batesdays statement. We must hear from Your no first hilt - +Jch l0. error w0lombl. hr appeared. You - cell out Ostoner Relators Writer, but doing r will not preserve your fights. In yarn letter, give to the folhovvino ih move and account nimber, the dollar amount 0 sspected error, a dooMption of the emu and an npfsheton, If porI ii, of why you believe them is an error, or if you reed room )nfonew , a drecripton of the item you am uuure about. You do not haw to pay any snap In question, while we am kweadoadrho h, but you i m ail obligated to p In?pams of yam- bgf that am rot fission. While gate you muatre we area nquerrt or take any ectbn to collect tls meet you es da6 uestlorh. arrant you q t,t Special Rue For Credit Cad Purchases If you hew a problem with the quality of property, a services that you purchased with a credit card and you how Mod In good faith to correct mho problem midi the mordant, You may hew the right rat to pay the remaining amen due m the ri or service,. You haw this tha $5p 00 and the purchase, woes mate In y uehhanha state or wlihln 100 m1. of You rrNdwv address. (if we own or operate the marchers, or if war maed you tie edwdrmet for de Progeny a =I- a1 purofis ere wwrad mgardees off anr_ of purclses.l Poor lam=mber m algn all wrreeporderhco. You will have a mkdmun grace period of u trance cMrge m new puchasss, now ors, new epadal wrduoee and now other 8 O N Q N H t Ames riot apply to cotaurrcr eon--rift card --Mu t Does riot apply to Msf-- no-ort card accvarits One aprons infomadah pri-y protection: see our O at =.- o o.corn. M Is a federally ered service, mark of Capital ndal Corporation. All rights reserved s 2003 AK accorMnce v41 1iei knp rtam Notice dr paytnams below, and In time for h m be cedted by your next SMtem Uoaltg date. There Is no grace period on cash advances and special trarrehre. In addition, diem is no IiLrace period m any ttoreacdon If you do not pay the total New balarwe. b. Aoaruitg Flom Charge, Trereaciors which am not subject m a grace palod am asseaud Imince dsrge 1) iron the dine of the tranuactlon or 2) barn the date the transaction lie processed to your Account or 3) from the first calendar Illy of tha wmem biiirq (anted. Adddo alY, if you did shot pay iha 'Now Balaree=P mtis baling period I hit, trance charges acons to Tour unpaid balance until tha uhpod balance is paid M full. This mess that you mayy ski owe finance charges, even it you pay the entire New Balshca indicated on the from of yam statement by the rela autorsnt desk( date, but do not do so lot iha prevlos month. Unpdof Tihanse charges tdare added te the applcade or -ch y A ?. . IfhYhrrn smut 1r grga For aadh bill yam smut is ea to a li a miNmtm chii total FINANCE CIA E of 3o0.5o .50willto Ina Iniponad. If the total 11 Burge ham the applcailen of you parted. rate(s) k Ives tlsn 0.60, we tit$I abtraa thorn amount train the $0.60 mhimtrn and the difference will be billed to tie purchase e?neht of??y)+?ootsrr acasn. t d Tearperary Redhardon Inn Fihrsee oharga. We reserve the right to not somes any or all finance dsrges for any given billing pedal 2. Awrogto -say gWs, fh, hg Now a. Firmree .;tat i.? e. Rre charge is s cal, eel by muluiplyinill the balance of each segment of your seeotrn (e.g., cash advance, purchase, special transfer, and :pedal purchase) by the corresponding daily periodic rate(s) that hasybeenn previously disclosed to you. At the end e blli g rddod, vws apply the dolly periodic rate a fo?esch th segment al you account to the tallyy balance of aM segment. Than at the end of the ball period, we add up the realm s teas elegy =,, ve at your period. trance cargo for eedh e add o the results from each segment to arrive at the total periodic odic 11- clherge ter your Accarm. To get the defyy ka?larea for escn seanem of your accarrt, we take the bagimino balarhce for eatlh Warmem end add any new trareecilons and any p?arried. Arance charge calculated m the previous days be -ce for that segment. We than subtract any peymema or credits posted as of that day that are agouled to flat se{Fnam. TNS gives re the separate daily balance for each ae(Fnrn of your Your P .However, if you ppaeid the New balance ateww on you revlas statement in its for if your new balance was zero or a nett amount), new trareactloro Wade=poet to your porch- c :pedal purchase - are not added to the daily balance. We calculate Z= age balance by adding all the daily bsiances and dNdrg the sun by the number of tie days In the wnortybilk( cycle. To co is ysur total drfi as a doodcc rrr a Mp them arunbw odrf iiryys br n?rde thing Pe Due to muhdrng m a day basks, there may be a slight variance between this cak ulalon aM de, amour of firmest charge actually assessed. b. If the code Z or N appeare m the (rent of tlJs sutement rev to 'Balance Rate Applied To,' we multiply the b1SV3J Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. • Now with NNA L BALL-FREE Accelerator • • for the first 12 monthar-a 3160 value 97 - a month for / frst 3 months; $9.Wmo. thereafter SIGN UP TODAYI ' 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.corn/go/emerald 003 peoplepa- online A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Virus Protection powered by Symante,- ® Pop-Up BlockerTM Spam Controls aw ' Smarter Smart Dialer Technology 4v LW More Email Addresses ® %, Internet Call Waiting Capital GW PLATINUM MASTERCARD ACCOUNT FEB 24 - MAR 23, 2003 5178-0522-7842- 6453 Page 1 of 1 Account Summary Paym ents, Crcdits and Adjustments Previous Balance $2,022.60 1 06 MAR PAYMENT RECEIVED - THANK YOU $60.00- Payments, Credits and Adjustments $60.00 Transactions $1,393.14 Transactions Finance Charges $32.65 2 23 FEB OLD NAVY #6550 HARRISBURG PA $34.51 New Balance $3,389.39 3 24 FEB TICKETMASTER'JAMES TAY NEW YORK NY 108.00 Minimum Amount Due $101.00 4 24 FEB OLD NAVY #6550 HARRISBURG PA 80.27 Payment Due Date April 23, 2003 5 27 FEB PFALTZGR 00000661 HERSHEY PA 42.38 Total Credit Line $5,000 6 01 MAR BABIES R US #6425 HARRISBURG PA 95.38 Total Available Credit $1,611.61 7 04 MAR CVS #1628 HARRISBURG PA 32.91 Credit Line for Cash $1,000 8 04 MAR VICTORIA'S SECRET 0374 HARRISBURG PA 136.00 Available Credit for Cash $1,000.00 9 04 MAR KMART 00091231 ENOLA PA 84.79 10 06 MAR FAULKNER HBC INC HARRISBURG PA 250.00 At your service 11 07 MAR KMART 00091231 ENOI.A PA 88.29 12 09 MAR GIANT FOOD STORES #S1A ENOLA PA 64.67 To all Customer Relations or to repoet a lost or stolen card: 13 16 MAR TOYS R US #8318 HARRISBURG PA 222.85 1-800-903-3637 14 18 MAR MIDTOWN TAVERN HARRISBURG PA 43.25 15 20 MAR GIANT FOOD STORES #S1A ENOLA PA 109.84 For see online -at service aad spoc.1 outoma offers, log m to w .capitaloncmm send psymenb to: Send inquiries tm Attn: Remitmna Processing Capital One Servims C*W One Si- P.O. B. 85147 P.O. Box 85015 Richmond, VA 23276 Rdrmmd, VA 23285-5015 Important Account Information For service in Spanish, please call ($W) 929-8137. Para servicio en Espanol, por favor marque 800-929-8137. Finance Charges PleweJLCreK;eJf deefO imjportantfArermatt wx a Bd_u Cornrp + ond g ? t y!'•.rAM raa .9 ls m PURCHASES S2X6.27 .04062% 144900% $3265 m n CASH S.00 .04062% 14.90% 5.00 a ANN UAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. QwhwO Ie, 0000000 0 5178052278426453 23 3388390060000101006 New Balance x3,38839 Minimum Amount Due $101.00 Payment Due Daze April 23, 2003 Total enclosed $ Account Number. 5178-0522-7842-6453 Capital One Bank P.O. Box 85147 1ur11n11r1 Richmond, VA 23276 P/asrprint-d-i dh--,.V- rmartrtnmgerkel asinrbha-H-k saw: G17 Smx ZIP Home Pnoae A(reinaa Phoa< Email Addren #9008213561148554# MAIL ID NUMBER JOANNA L BALL O1 924 WOODRIDGE DRIVE ENOLA PA 17025-1545 r w Please -teyvur acrmnt number m your rbak yr money order madepayable to Capital One Bark and mail in the enclosed eavdvpe. peoplepc- online u A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAYI 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.com/go/emerald PeoplePC is solely responsible for this offer, and is not afflicted with Capital One. Capital One does not provide, endorse or guarantee, and is not afflhaled with, any product or service ems here. Any trademarks mentioned herein are solely owned by the resoedive entity. All rights reserved. By responding to this offer: you may be communicating irrlormation about yomefi to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: Frst 3 months are tilled at $4.97 per march; $9.95 per month thereahec Offer available to new dc4-up subscribers at least 18 years of age and may not be redeemed with any otter offer. Offer suhjed to doge at any time. Phone technical support "able for $1.95 per minute. tAcceleralor is free for 12 months. Offer good for limited time. After the fist 12 months, the Accelua}ed service will automatically revert to the standard PmplePC Online service. Offer subject to change at aorytime. With PeoplePC Online Accelerated, certain Web page teed and graphics will load fester when compared to standard dial-up Internal service. Actual results may YW.. Peci Online Accelerated is only compatible with PeoplaPC Orfine Internet service and specified Windows® browsers. PeoplePC Online Accelerated is not corrpeb'tle with Windowi 95 with IE S5 SP2. Service not avabhle in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial perods. You are responsible for determining whether a call to one of oa access numbers will result in telephone toll chages. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeoplePC's daaetion Continuum use subject to timeout pnacedises. N use is subjectto PeoplePC Online's Services Agreement and Acceptable Use Policy. 5W is the maximum speed of service; actual speed may vary. 0 2196 Pw*PC Inc. N (lights Reserved. PeopePC Online and its logos are trademarks of PeoplePC in the US. and other countries. 0 2096 Capital One Services, Inc. Capital One's a federally registered service mark All rights reserved. 8 N 1 ? c N N ve a 1. foes gross Avoid . Firrase haChang.. t a. f)raw Period. Yw win have a mihimun grace period of 25 d h h i h im . biaq perio cover tlb average rtakt W dally we alts tfhua the en?r?, closed. youir rt =axittraturri merchant we ays w ance c a m new purc ases, crew t out 0 nr t each day, ad d my navy bagirrwg balance of seoacchh sse a e = raceiys the tr. as Ian f rom the mudwa after your rges If ?l ? a y p p e a ( o the ff mnt of dasa? u N ? e will to our unt ac % ? ?d « • a vMh Uo mpo rta> Nob'ca for paymeeu below. T q p e ta r wdt m Ba Rata ? g y psyrn wi ba rep rtla and y ou for aa. Visro Is s ? end h time for It to be credited by your next statemem subtract cry unpaid flnarwe =W fradW ed h the bdence mrnberahlp fee for your exxouw dw fee wH continue doalrg daro. There is no gram Period m cash advances and apedal trarstere In addtlan Uharo is m race eriod of each aegnent.) TNe (/vas r the doily balance of each se nrn Tlon all the ddoldlyry bdroes for each wo add u , m ba dwrt7aQ m the exient pand[ted by law, u d do d bd t b dd i furl d fi d b . , B p -..y trsrsacdm If You do not pay the total New b l " p . , p segnern fordo burg ppwsrilod and dvide by the total b f d h dIR d TN I i i acccu roa rs een P n n s o a ove. 7. =Uai? Your Avoc r it card a acevun carrot be a ance. b. Amrtdry Fierce Gorge. Traoactias which are rot run er o ays n t e V per . . g ves r the o areraga dally balance of each segmnt uoIn connection with any Nernst gambling transactions. subject to a grace paled aro aaaeaaM finance charge U 3. Amaral Pworrtage Rata IAPflI• " S. Notla About Eleaaado Clrect Canvardar. Wnm you iron the date of the tmnesctm or 2) from the date the a. The term Annual Percentage Rate" may appear as ' provide a dock as Payment, you sudodze, r eider to transaction is processed to your Addend or 3) from the APR" m the Trait of this aaternem. ten i formadm from you dock to tusks a me-(hro fleet calendar day of to wrrm bg6ng pecod. Additionally, if old h 'N B l ' fl d vi b. If the coda P (Prime), L (3-0. LIBOR), C tOentlBeate of electronic fad usinsfer frwn your bank account or to you not pay t e ew a ance an o Pre aun taking period I. fill finance charger canirwo to +ccns to Dopwid, or S (Bank-d Prime) appears m the foerd of this statement rota to to periodic rate(s) the proceae the paymaw as a lack traieectiah. When we our dock to mak l d caw information from , yes unpaid balance until the unpaid balance is paid in full. , rates ad AfNUAL PERCFMAO RATES MP y e an e ec ior c fad [rerefer finds may be wMdrnvn from your bank TNa mama that you mayy st)il owe fnarhce durges oxen d vary quaad mat krrease err decrem based may , aawst es tom as the arena daY ws receive our , you pet the erdre New Balarxx indcatetl m the Tram of m do stared ihdwe, as foul in The Weir Sbmf y and you wiN rot reratve your check back from PaYrmnt W mtemerd by the next autmnmt doehg date, but dill t d f d vi h lh id fl h Journal, pus go margn4y disclosed to you, Th , you finarh l InadMlm. nor ro o - or e pro ws marc . pa rnsce c arges, are added m do cede aegnerrt of your Account. ki k Fa G F c bH d d d em mahgss will be e m the first day of your baling period corned by your periodic statanard ending k d in J DIWNG RIGHTS SUMMARY n raan mines aags. or ea h rq po o ot t.. yea account is aLh'ect to a finance dmge a minimum , o mora e aaahy, April, JW ad October. c If the code D ?rkne) F (1Kno or G pane e) F (h Cam of Erton Or Questions Abort Yu BI6) If es tdNk wr oil b a If merh ou need son -n e , total R WINCE CHARGE of >0.50 will be ire . If Its pond total 9nance char e mournin Iran the am (ion of our . , . . appoaera m the (loot at your LIBOR Repriced Mo , fill statement next to to erkd it ( ) th d d t y y g, y ca m a Infwmatlm m a trer. or rill, woke h ibl h g I y g P,dwc rate(s) la less than $0.60 vve I subtract that p , c r e s , e ce o c re es and corresponding Al PERCEWX E T3 may separate s oat as soon as pass e n t e eddreas for Erato hgirba sihovah on the frond of tlna statement We must , amain from the 30.50 minimum and the dNerence vel be vary mantN y end may incrnce u decrama bested on the y ou ro later then a0 sftu vva sent you the ===1 aa a. We cxhKrlreserve the td Redadton in Firma Gurya ed The stat Indices, es feud h Wag Stmt Journal, pun the mar in reviousl disclosed to ou To e h drat tlfi on winch amen or proble the m s ll O m b R l i b d i il . r 10 not assess any u all fiance durges for any given p y g y t c anges vN be effective on do first day of your biNhp period wr tn ca mu ons am er, e at ut o ng arc W l not preaerm YOLK Figi h your letter, give w the following 2. Average Daly Bdanea 1Yoka?g Nw+ RKalraasl• 4. Assasrnhaa of Lela, Ovaimit rd Returned Paymrrt Faa. InanfanuYm? rome and aocaKht nunher, ds dollar of domr e a. Rrunce dhargo is calculated by maddplyhg the daily Ywr arrant will be amamed ro h more then WM of the fees %Nhy you believe e ad an toplimatIM if possible, of there is balance of each segment of your exam le cash germs here that emu doing any riling period Under the on ester; a if you real mom hfamston, s de8ellpblon of advance, purchase, =pedal transfer, and spend purchase) advance, special tame of your cntcrrr agreement via reserve the right to the item you are usum dour. Yw do not have to pet arty by is conesiondng daily Periodic rate(s) tut has been previously dsclosed to You At the end of each day dutko waive or no11o aims any fees vsthcn prior nodiratm to You Wh hcn wdvi wr ri ht to access the sane or similar am In q - whle voe t[ yes a b? di t ? N d h =7 . the billing period vro apply the deny periodic rate for each g g tees at a latu done m a o m o at era rot emyOL KOS is wealnvoai1 tfont h u uestarh - Ca t , segment of ydx account to the doll_yy balanhce of each se ment Tan an is and of the tlllt eriod we add u . 3.tArhavAg You Aeomit. If a membership fee t f d f thi h 30 a ) . g nno report you as delnqusn or take mtyaactbn to eoiact the g . g p , p the rnuhs of (sae 4,I cdplatlau m arrive n your i di t B f c W dd he o s ataimm, you -pp.. - ron ave day imn the data this Man wen meted to you to mourn you queaWu Per o c hence urge or ea h segmm. e a W the W f c h al i avid paying the fee u to have such fee credited to you t,t Spedal Ferule For Credit Card purchases res a rom ea h segment to arr ve at t e tot pedodc flrunce uYurge for your acmKt. To gin the daily balance fu eatlh aegmm of your accent, we take the beginning if you cancel your accent. During 11" period, wu may continue to use your account without haWg to pay the membership fee. To " caorht you must r If you have a problem with the griky of prapertY a n balance for can segnm end add arty ew Ira edoro , == nnotlH to by calling wr Relators Depanmm ' mrwuos der you Purchased with a c??rmd warid ? you good here triad's faiar to correct the and any periodic flronce charge celgdated o the P."- days balance for blur septum We tan abtrect any and pat your New Balance in *A (excluding the member" fee) rior to the end of the thirt eriod -d harm the rigid not to pay the remaining merchant, you . paymeme m credo pored ea of tut Y (tat ere allocated p i p . y e. N You Cosa tar Aoaoud. Yw can request to rime he duo m the arrounit property W mrvicee. you have this rorNon ON wits do udu th to (tut segmhenl. This fives m the aeperale dealt belannm for each si neon of our account However if ou aid the yyesw ehxomt by caging our tystamer Relarics D t V d H t p y p n puce was mono an 350.00 and tto pach.m was made h ywr tamp nine a y . , y p o New Balance shown m your previous statement In fii (or epar men . w nwnt estroy your cm cards} and accord acems decks cancel all preatnhodzed billing In loo stolen of your mdWg addraa Of we own or In if your new balance was zero or a credit amwm), new trereacdars which pmt to your pond,°^- or apedal , , and cram hWro your axtut. If you do not caned preautlcdzed Nina amargemema, we wit carnaldu . . the merchant, or if we mailed you do etlveNeamarnt for the or smviws, ail purcoaes uAVmod regadeca of amid or locstlm of purdsi purdum se()menm em not added io the daily ine do averaanca by daily receipt of a c urge your authodzadon to reapm Your Adddot be dash Rearemember m sigh all wrreapordmwe. togelfhu ablhe by of n ds wmdillrg cydate N t a riZed, pas tot pp y m tux credl ceN ecce mina t Does , averay the y daily dock rte and by the rwanher of days In Me filling O us be is pe ue to rounding m a daily baala dare ma des fees, overiimk fen, retuned psymm ben, main advahoe fen and any odor fen asaeaeed m your abepnl re: aMde mr d h d you t Does nos WY m buslrre- non-credit card --ts a , y sflgM variance batw+een this calcuulallon and dine amwnt of , P hex momma w e ar they appear on your acocm in the tine you raquPSi to Capital One support. Information privacy proteeUm: see wr flrnace durge a musly seaessed. G If h d Z N dose the acocrrt er thsy ere frnwmad absequont o i webal[a it www. ma.com. Co al O i i i d appmro m the frorc of this statement i a co e or men to 'Balance Rine Applied To: we multiptY he you rqueat to rime the xccnt. s mat real( i chergm eppearsq on Your exam sftu you have p no e a y reg ce mark of Capin serv stere Oche Rmrhdd Cerporetbn All rlglKS oaeerred. a 2003 a it belerce of a r mantes is to ber reed or of capital one 01LGLBAK 47829S Important Notice. Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Mondaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. r--------------------------------------------------------------------------------------------------1 003 Show Mom your love! Special savings for Capital Onee Cardholders! I * on your next purchase when 15 O/O you use Promotion Code CAP66 >S a ve (See reveae for details) Save this code! Offer good all year long l Remember: Mother's Day is Sunday, May 141 r 1-800-flowersoma~ 1 Call 1-800-FLOWERS' (1-800-356-9377) or Click www.1800flowers.eom today! Your florist of choice. L--------------------------------------------------------------------------------------------------J Capital Qua PLATINUM MASTERCARD ACCOUNT MAR 24 - APR 23, 2003 5178-0522-7842 -6453 Pagel of 1 Account Summary Paym ents, Credits and Adjustments Previous Balance $3,388.39 1 21 APR Cap 1 ElectronicPhonePmt AuthDate 21-APR 1101.00- Payments, Credits and Adjustments $101.00 Transactions $1,413.23 Transactions Finance Charges $54.33 2 21 MAR LOWE's #415 YORK PA X8.58 New Balance $4,754.95 3 22 MAR PFALTZGR 00000661 HERSHEY PA 199.89 Minimum Amount Due $142.00 4 22 MAR LIZ CLAIBORNE OUTLET # HERSHET PA 14.99 Payment Due Date May 23, 2003 5 23 MAR KMART 00091231 ENOLA PA 117.58 $5 Total Credit Line 00 $5,0 6 24 MAR WAL MART MECHANICSBURG PA 30.24 Tonal Available Credit 1 0 5 7 24 MAR GIANT FOOD STORES *SlA ENOLA PA 30.00 Credit Line for Cash $1,000 8 03 APR WM SUPERCENTER SE2 CAPE CORAL FL 146.00 Available Credit for Cash $245.05 9 05 APR HERTZ RENT-A-CAR CAPE CORAL FL 291.19 10 09 APR ENOLA SHURFINE SEA ENOLA PA 14.89 At your service 11 09 APR TARGET 00012542 HARRISBURG PA 33.91 12 11 APR INTUIT ONLINE SALES 800-523-0397 CA 49.95 To call Customer Relation: or to report a lot or stolen card: 13 11 APR BATH & BODY WORKS 0485 HARRISBURG PA 29.26 1-800-903-3637 14 12 APR THE HOME DEPOT 4113 HARRISBURG PA 16.92 15 13 APR GIANT FOOD STORES #S1A ENOLA PA 81.32 For fm online aaooant service and special astomer offers, log on to 16 14 APR KMART 00091231 ENOLA PA 65.57 --pitslonacom 17 15 APR TOYS R US #8318 HARRISBURG PA 39.22 Send payments to: Send inquiries t« 18 16 APR GROVE MOTORS 132200024 MIDDLETON PA 34.68 Attn. Remittance Pro-ung 19 17 APR SUNOCO HARRISBURG PA 16.01 Capital One Services Capital One Swim 20 20 APR KMART 00091231 ENOLA PA 27.54 P.O. R. 85147 P.O. R. Ss015 21 21 APR TARGET 00012542 HARRISBURG PA 16.22 Riel,mond, VA 23276 Richmond, VA 23285-5015 22 21 APR TARGET 00012542 HARRISBURG PA 46.87 23 21 APR PAY-BY-PHONE FEE 10.00 hnportant Account Information 24 21 APR THEO'S BAR & GRILLE CAMP HILL PA 32.40 For service in Spanish, Please call (800) 929-8137. Para servicio ea Espanol, por favor marque 800-929-8137. Finance Charges Ptea a me raoerm ride for important information Bal nrarr P-& Correspaedwg FG E „?I apprudtn .& APR ?R E l;ri[ PURCHASES $4,293.39 .0908296 14.90% $54.33 CASH 5.00 . .04082% 14.90% 5.00 ANN UAL PERCENTAGE RATE applied this Period 14.90% m v PLEASE RETURN PORTION BELOW WITH PAYMENT. czwlft fowl 0000000 0 5178052278426453 23 4754950101000142003 t egn net .r,;agsr era.,k- New Balance $1,754.95 Preasep;w--dVald--,V- -.,1, Minimum Amount Due $142.00 Seeet Apt Payment Due Date May23,2003 Gry Sna ZIP Total enclosed 1 Home Phone Ala:ma Phone Account Numbe: 5178-0522-7842-6453 #9011413561148555# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 lllnuullrlulull,l ce 924 WOODRIDGE DRIVE Richmond, VA 23276 ° ENOLA PA 17025-1545 m lulrlullnrltllurlrllnllmllutllmllnsllurllrullurl ItIIIIIN111111111111111111111111111isIIIIIIIIIIIIIIII111111111 Pteae Uw teyoaraccount nnanbo m your ehwk or money order nsadepayaHe to Capita! One Bank and malt in fix enrhJed envelope. Get sweet savings on Mother's Day gifts for all the moms in your life ! 1-800-FLOWERS.COMa always promises you and all the moms you love: • Freshest flowers artistically designed • Personal service 2417 for delivery same day, any day • 100° satisfaction and freshness guaranteed • The finest selection of flowers, plants, gift baskets, plush toys, gourmet foods and more • Gifts exclusively designed for 1-800-FLOWERS.COMO by leading brands you trust. 1-800-flowers om. Your florist of choice. 8 O ro 4 N N % Save on your next purchase when you use Promotion Code CAP66 Save this code! Offer good all year long! Call 1-800-FLOWERS" (1-800-356-9377) or Click www.1800flowers,com today! 'Exclusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery rules and times. Items on be ordered online and by phone only. Offers cannot be combined, may not be available on all products and are subject to restrictions, limitations and blackout periods. Offer valid through 12/31/06. Prices and charges are subject to change without notice. Void where prohibited. 0 2006 Capital One 5ervices, Inc. Capital One is a federally registered service mark. Trademarks mentioned herein are solely owned by their respective entity. NI rights reserved. 1-800-FLOWERS is solely responsible for this offer and is not affiliated with Capital One. Capital One does not provide, endorse, or guarantee any product or service shown here. By responding to this offer, you maybe communicating information about yourself to the company that provides this produd-for example, that you area Capital One customer. 0 20061-800-FLOWERS.COM, INC. =1-800-FLOWERS.CO VO uses Secure Socket Layer {SSL) encryption technology to secure its websim. To. Oran Period. You will have a mirimum gram period of 25 days without :mane our" on new purchases, now balance, transfers, new special Purchases ancl now other a rids i =Your total 'Now Nonce for pre hens below, and In time for it to be creditd by your roxt atatmem doalng date. Thom Is - grace paned m cash advances and epeclal transform. In addition, them Is no Rmce pedod on any trasaction If you do not pay the total Nave balance. b. Asauig Fusee Crags. Trasadlae which ere not trae =tls dais of tls trmaactlon ofrom the datetlo) transaction is processed to your Account or 3) from the fist calendar day of the current bYlkg period. Adddonsly, if you did not pay the 'Now Balance from the previous frilling period in f 1, finance charges confirm to reports, to Tour unpaid balance until the unpaid balance is paid In full. He metro that you may stil ours rianhce dar(im, even if you pay so erhtire New oalahce misomm nh d on t lr but of o for for t ar month. rsnt d dil nil do m the previous marsh. Urpaly larral doted ere added the segnart of your Amohe t c. yourou a cc k For rich Dikg Period the your rrt 1. la act to a the a minimum the total FINANCE E 00.50 thwill e be Impned. If tfho total finance ance charge arge reading from the a orlon of you r periodic rate(s) Is less than 0.60, we I subtract tan frarn the $0.60 mlrimum and t df a- will be bill to the pmdose segment of your account. t d. Temporary Radalkn kh Fkras Charge. We massive the ddn penmsseas any or all Arunce charges for any given 2. A hivragsl Oaiy SM. (YO1a?hp li grolha 1. a. F'mers charge 1s calculated by multiplying the daily balance of each segnem of your accent (e.g., cash advance, purchase, special transfer, and spatial purchase) by t coneapording daily periodic rte(s) that has beanprehiodypdeedosd lo you. Athe t the daily periodic b of each day du the hall segment W Your?accw uitgi ro t ddlyyelanoe of each b segmem. Then at she and of t hII1Q paled, vas add up your the realty of Arse rdcuiadana ne ant- at perlodc Aronce charge r each segment. We add the results from each segment to ardor at the tut perioodic finance charge for your accent. To gat the duly balance for each segment of your accent, we take to beginarg balance for each segment and add any now transactions and any ppeedock Arunce large cakdrd on t frevIas days be ance for that segment. We then subtract any payments or credo poll as at that day Ant am allocated ,o Act, sagmhern. rns gives w the separate defy balance for each segnm of your amount. Hovvevar, R you ppaaid the New Belanmce shown m yen prev cus sutemant in h? (or if you new balance was zero or a credit amour), new varea:tioro conch pmt to ==Z= calculate the rage dally balance by adding all the dally balances together and dividing the sun by the ember of the days M the current Using cycle. To calculate your tour firhrhce ahsnge, murply your awroga dally bnlanhce by t desy rock rate ad by t nmbar of days In t dling pe0ue to reuhdrp an a dely beds, dare may be a sldmt variance batvusen cis calcuaetlon ad t moon of padodo rata. To obtain the average daily balance for the bike period covered by this statement, wo take the r?ywnneew t ro.caro to esc f seeach c a t e rs: each d snadd any or credte. (if the code N appears on tire frfrom of Itt ? sutanern next m -Balance Rate subtract any lapaid Ansoe orange In the balance of each aepa?t.) This dues ulo the dally balance of each scums,. l hurt, we add up al the dolly balances for each esgrort for the biip ppoarrlIod and dvlda by t tool nanber of rfys In the bllkg period. This gives us in avaape defy balance of each segnart. 3. Aatd Paowags P.M. IAPR). a. The term "Actual Peromtage Rate may appear as APR- on the from of this aateme2 b. If the code P (Prime), L (3-trio. LIBOR), C (Certificate of Depral or S (Bankcard Prime) appears on the from of this aammem now to tie periodic ale(s), the periodic roes and ?P?dry A "JAL P%IEL %I_ RATES may wry 91strwnY loo may khcrean a depaced m the stated Indices, n food n The Wi/ Street Joama, Palo Via margin y disposed to you. Then ppohdaohdpss coil be a psalm the first day of your b*lq in. monster JJaraaryApyourl, aq outobar. PhD c. If t cod. D (Prime), F (lino. L)BOR) or G (3'-.. LIBOR RWd-d MorNy) appeem aft the from of your a te(s),AG theE perbRATESdc rates sutemhuhtnd ooneaoandre ANNUA next m t gableL PfA(Tllr d. r may ry rtentliy may Increase, or darsease bested on t orated Ihdcea, n found In The Walt Seeet Jermr/, plus the margin previously eisdosed to You Time dha gas will be effective on the first day of you baling period each month. a. Aasassmat of Late, Owrim)f and Rotund Paymaht Fans. Your accent will be amend no more to two oft foes Noted here that occur during arty billing period. Under the tem. of you customer agreement, we reserve t right to wales or not to amain any fees vAtMU prior norifica,im to you vltlhart warvimg our right to asset tin same or similar fees at a later time. 6.1Aaowi g Your Aeaeat. If a membership fee appeal on t from of this statement you haw 30 days front dine this stateroom was malld to you to avoid paying he fee a to haw such fee created m you If you cancel your amen. During this period, you may corrkare to use your account Wthout having to pay the membership tee. To cancel your amen,, you most notify us by "Ding out C smm it Rdatioro Department and pay Yo New Balance' In full (exdtadng the manta!: urtee) prW tot end of t tNny-dey period. 6. N You Clan Your Aeaaart. You can request to dose Zaccount by falling out Customer Relations mom You must destroy your credit card(s) and account access does, cancei all preaut odzd billing, ed oases usrq your accaam. If you do not cancel preeutdzed Wgrg arrangements; we will consider receipt of a charge your aurhodzatim to e?a? you eocount Additionally your account will nmr be dosed u al you pay all moans you owe - including- any transactions you haw authorized, Arance charges, past due fees, ovedlmh fen, reined payment fen, cash advance fees and any oiler fees arse mad to your account. You are responsible for ter amours whether ty appear on your account at the tine you request to dose t emote or they am Incurred subsequent to your repast to close the accent. This may result in charge appearkq on your account_ after you he- your amount if It ties already been dosed ra erasple, of you authorized a purchase, from a mercham and we receive the trarracibn from the merchant after your account has been closed, your aexuht wi be reopened, the amount ohe da will be added to your sow" and ysu NU a for payment. If there is a m fee for your account, he fee wll ca W. te be der?p?Peedd, m t ataert permitted by law, uhd t amenrc b?alanhce has Doan d M full n cleared above. 7. = Ya r Aswon"l-card or account cannot be In -action with any kaamet gambling transactions. 8. Notice Abet Mesmeric Cask Canvmq, When you prorklo s deck n payment, you audortm w either to use information from you dock to make a ate-lima electronic fud trasfer from your bent account or to process the payment NO a deck transaction, When we use nlormat l from your deck to make an electronic hod transfer, fuade may be withdrawn from you bank .moot m soon as the same day cos race:- your paymm, and you will rot receive Your deck bxk hen your finshdaI mctitudon. BIWNG PoGHTS SUMMARY (h Case Of E nom Or Quaetlao Abort You Blip If you Wrhk yea lhi la morg, or If you need more, Intamatloh w a traswtleh a bill, write m- m a me alhow as soar as possible, a the add- for I=des shown on the from of this statement. We must hear tiro you nc later then 80 dayyss after we sat you the cut hull m hhdich the error or problem appeared. You can call our Qlotorrher 11"ons maryl but doing m will not your hnprfo rights. In your letter, give - the fdlowihl on: amount of the your role and account n rnber, the dollar suspected error, a description oft error and an ehplhe possible, of why you below them is an error; or if you nod moo inmmaation, a description of the Itermh you am unsure about. You do not hew to pay any moun M q?saah while we are h-sdgesg rt, but you am raill ahipeted m pay the parts of your hill tlat are rot In question. IVNb we Investlaem your cl eslon, we cannot ym ,I:Z?r or to" any action to coed the t,t Special Me For Credit Card Purchases If you how a problem with the quality of property or winces the[ you sal with a credit card and you haw tried in te correct the problem with the merchant, you my hew t right not to pay the remaining rout due on to Pty or servicse. You haw this protection ony w9an do pudaes pro was mile to $50.00 and rho p rc hoe was made M your hone sate or within 100 mks of your maling address. (If we own or operate t m ndrrrs, m If we mailed you the adverdsemet fort prmerty or services, el purchases are m-rod mg !deea of( areurt or location of Poirot.-) Please rananber m dgm all --spedehm. t Does rat apply to consumer son-nadir card wcow#& t Does axt apply m bbahess m>mrndit earl-cants Coo supports information privacy protection: see wr at www. cote. one I. a Ny ndsterd service mark of Capital ancfal Capaatlo. All rights reserved a 2003 from of this statement ' we multiply the asosas Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. - First 3 months half-price 97 4 a monttr a S9.95/mo. thereafter ?1 Now with FREE Accelerator for the first 12 mmi0st-a $60 value SIGN UP TODAY: ' 1-877-7784207 Mention offer Code: GARNET Or visit www.peoplepc.com/go/gamet Capitalow" Account S Previous Balance $4,754.95 Payments, Credits and Adjustments $142.00 Transactions $231.48 Finance Charges $6025 New Balance $1,904.68 Minimum Amount Due $147.00 Payment Due Date June 23, 2003 Total Credit Line $5,000 Total Available Credit $95.32 Credit Line for Cash $1,000 Available Credit for Cash $95.32 At your service To call Customa Relations or to report a lox or stolm card: 1-800-903-3637 For free online amount saris and speoal osxomer offal, log on to. www.capitalone.mm Send payment: to: Smdingoiriesta Attn: Rmiittanee Prom:ing Capital one Saviors Capial One Ser ins P.O. Box $5147 P.O. Sox $5015 Ridimond, VA 23276 Rieh-d, VA 23285-5015 rtant Account Informadon Capital One is a proud sponsor ofthe American Film Institute's CBS primetime special presentation -'AFIS 100 Yeam..100 Heroes &Yillaim America's Greatest Screen Characters.' Of the century's great film heroes and villains, who is the greatest hero and who is the greatest villain? Will the list contain James Bond, Rocky Balboa, Hamad Lecter, Catwoman, lndiana Jones, Norman Bates? To find out the answers to these questions and many more, tune in to CBS, Tuesday, June 3 from 8-11 PM (EDT/PDT) 7-10 PM (CDT). Ch v 009 peoplepa- online A better way to Intemet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Virus Protection Powered by Symantec- ® Pop-Up Blockerl- Spam controls +5 Smarter Smart Dialer Technology 4W More Email Addresses 400 ; Internet Call Waiting PLATINUM MASTERCARD ACCOUNT APR 24 - MAY 23, 2003 5178-0522-7842-6453 Page 1 of 1 Payments, Credits and Adjustments 1 21 MAY ELECTRONIC PAYMENT $142.00- Transacdolls 2 24 APR RITE AID STORE 3611 ENOLA PA $2724 3 30 APR TARGET 00012542 HARRISBURG PA 35.65 4 01 MAY GIANT FOOD STORES #S1A HARRISBURG PA 40.43 5 05 MAY KMART 00091231 ENOLA PA 34.15 6 09 MAY GIANT FOOD STORE #2S1S ENOLA PA 20.52 7 11 MAY CVS #2321 HARRISBURG PA 40.36 8 11 MAY CVS #1622 LEMOYNE PA 33.13 Finance Charges Pleruerarevernlideforimportant information Bdaarcrate Period. conrrpo -- R&G$ ?rudeo rate AAPPR E PURCHASES $4,920.10 .04082% 14.90% $60.2$ CASH S.00 .04082% 14.90% 5100 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. C__Wft M0W 0000000 0 5178052278426453 23 4904680142000147001 New Balance $4.904.68 Minimum Amount Due $147.00 Payment Due Date June 23, 2003 Total enclosed $ Account Number. 5178-0522-7842-6453 Capital One Bank P.O. Box 85147 116utulilloll 11111 Richmond, VA 23276 1111111111111111111111'IIIIIIIIIIIIIIIIIII1III"111'IndL11 1 Plrmrprirrtmdl,',g ddrrra e-euileA?mg rb rsvn86l erKae;F ink Stceer Apt # aq Smm ZIP Home Phone Almmxe Phone Em4 Addms #9014413561148552# MAIL ID NUMBER JOANNA L BALL O1 924 WOODRIDGE DRIVE m ° ENOLA PA 17025-1545 m a? w ° ? 1ns111ns111uuJilJdun11s1r1n1n1dJtu1s1dn1du11 Please u"teycuraaount number onyour cherk or money order madepayable to Capital One Bank and mail in the enc/arede=v Itpe. peoplepc- online u A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-7784207 Mention Offer Code: GARNET Or visit www.peoplepc.com/go/garnet Grove Period. You wit lave ragemkdm- {pace period of without floance Wlanw traraters, now special pu?rcMsee aria raw other Barges If Ycu 4 yow total 'New Bdence', rn accordance ratlt a knpotum Notice for payments below, and In time for It to be cradled by your next statement do, date. There Is re grace period on msh advances and spodal transfers. In addition, there Is m Rice period an any transaction If you do run pay the total Now balmoo.' Aomtng Fit- Chai Traraacdore which are nut form Aort a the traaaacdan or rr 2))dfrom the tlate.1) trareacdon Is prowased to your Accaas or 3) from the first calendar day of the current bNinp period. Additiaaly, if you old net pay the 'New Balance from the previous IoNing period in kill, fnenice cargos cori rare to accrue, to yam mw d tiara arm the upald bed is paid In hill. This you yy still owe race Merges, even If you pay the entire New Balance idmted on the irant of statemm dale next trtatsneht but do nat? o x is the =m la Vrpaid Sannced8i ch.. 8 0 O o I rz N N t c. PeW!ePC is solely responsible for this offer. end's not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be comrnuriatmg information about yourself to the company that provides this product - for example, that you are a Capital One customer. ?WpW'C Online: First 3 months are billed at $4.97 per month; $9.95 per moms thereafter. Offer available In now dial-up subscribers at least 18 yeas of age and may rat be redeemers with my otter offer. Offer subject to charge at any tone. Phone technical support available for $1.95 per minute. fAmelerstor's free for 12 months. Offer good for limited time After the lest 12 months, the Accelerated service will automadcay revert to the standard Peopli Online service. Offer subject to change at anytime. With PeoplePC Online Accelerated, certain Web page text and graphics will load faster when compared to standard dialip Internet service. Actual msults may very. Peobi Online Accelerated is only compatibe with Peopli Online Internal service and specified VAndoevali browses. Pecipli Orlin Accelerated is rat compatible with Windowsill, 95 with IE 5.5 SP2. Service not available in all slaes. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply even during trial periods. you are responsible for determining wbether a call to we of our access numbers; will natal in telephone td charges. Mass may be imted, especially during times of peak usage. Dial-up numbers may be changed at PeopleloC's discretion. Continuous use subject to timeout procedures, All use is subject to PeopleaC Online's Services Agreement and Acceptable Use Policy. 56K is the maxirarn speed of servloe; actual sped may very. 0 2096 Peopli Inc. All Flights Reserved. PeoplePC Online and its logos are trademarks of Peopi in the U.S. and oMa county es. 0 2006 Capital One Services, inc. Capital One is a fedaely registered service mark. Pit rights reserved. D?ce? eacinvaeft, and h segment each day, ad any new statement or cradles. (it ts ?eoN aP= on the icons of Uts radiation an y unpaid flnece charge iriidad in der balm of etch segment.) This O/ us, the daily balance of ouch segment. then, we add upall the daily ba mil for each segment number the and days In 611ipdperiodd.This by the total he -"%= lana of each eegnaa. mad Raba IAPRI. o The term 'Annual Percentage Rae' may appear as 'APR' on the front of Oft suterni If the coda P (Prone), L (3irro. LIBOR), C tCadficate of Depoi err S (Batkcard Puna) appears on the front of this eraternnend next to the Periodic rate(slr the periodic rates and resporslra AMafAL PERCENTAGE RATES may vary quarterly std may i cresee or decrease based on the stated Indices, ore found in the Weff Skew Jo~, Pke the margin vrsrioualy declosed to you flare =be e on the flat day of your dais madeby your pwykxk statement ending In Jer If the code D (Pine) ?F (1 acIJBOR) lino. LIBOR Repriced kfaaHy) appears on the fret of your statement next to, the pedoda rste(sl, the periodic rates wN be effeed's on the fine day of your biro period each month. 4. Assessment of Lair, Ow ifirsk and Reamed Payment Fax. Your account wig be assessed no mom then tyro of the fern fated here that occur during any billing period. tinder the term of your adaner agreement, we reserve the right to waive or not to assex my fees wit hoc prior notification to wT eur right to assEx the same or similar of e l of. l tater Waltime. G.TFt ahtwtig Your Aeeare. If a memhenship fee appeare on the ham of thin statmm, lion hew 30 =I ran the date this nananern wx mallard to lion to paying the fee err to have art fee credited to you N you mood your amount. During tide period, yam may rmf n e to use your account without having to pay the membership fee. To cancel your account, you must ratify us by calling our Ostomer Ndatioa DegZent and pay ypu New Belera' in fug (excluding the mernberslYputes) Prior to the end of de INry-day Pchod. 6. N You Clow Year Aeoaud. Vou men regent to cox yyax aceant by maxg err Customer Relations Dglartment. You must destroy your aedn ca ial and aocourm a- cheeks, mrucd all preaWedzed filling, and eeex using your acrourrt. If you do not ca preamherized Itrg amargements, we will nxxsider of your recei ovour , aums r dzation will to not account. Atwell you pay al M u amount n d trauxetlerre Yee owe ins Including: any u'mn I- -dui Arvan- ch payment Joes cash due toes, ew e your idvenoe fees and any other lees .--ad To accours. You are resporWNe for these manta whether [fay appear on your account at the time you request to cox the accord or they am incurred subsequent to your request to close the accent. This may result in charges appearing on your account after you hew yam accent if it has already been dosed For example, if you auherizad a pudrse from a merchant and we receive the transaction flan the mordant after your account has been closed, your account will be reopened, tho amount of the cm fie will be added to your account, and you wi bo retpaneitte for psye . If there I. a .:= fee for your acmnt, the fare will -W- to be derrrppopdq, b der exxert W law, erril the .treat Walnpe has been d h fug as dalYded above. Uaiq Your Aooant.You cad or accost caret be used In connection with any Internet gambling S. Notts Mad Elasbank Cthei Cawwaion. When you provdo a deck as payment, you arhedze es ettrnr e w uao khtormation from your dept to make a as-time dectri fad Vaefor frem lion bank account or to process the Payment es a deck traeacter, When we use nfomnatnon from your deck to make an, electronic lead transfer, fads may be withdrawn from you back account as soon as the sane day m receive your g net decaiw your deck beck from Payment, and =A your finned on. BIWNO RIGHTS SUMMARY (h Coo Of From Or Questions Abaco You &q If you think your bill b wrong, or If you need morn bdon-don on a transaction or big, write to ce on a aepaoto sheet as soon as possible a The add- for Inquldes shown on der front of this nseemem. We must hear from you no later than BO days after we sent you the first bill on which =c= appeared. You can cell our Customer ut doing so will not prexrvx your dice In your letter, give ua the following fermatioh: your nsme and account natter, the dollar mnxuht of tine pected error,a description of the emor and m eopleraasrtion, H potable, of wityy yo beilew them b an error, or if you reed more infomnetion, s deacrlpdom of the hem you are usure about. You do rot hew to pay arty moist in question wAia ws are itweatiiptr' q Lb:. you i obin tad to pay the parta of yam bit rot In, gasthn. WNb we nwealmte your question, we txrmo reportyou es deingen or telce any action to uwlect The maul you Queaim f,t Special Fl le For Credit Card Purchases If you hew a problem with the quality of property or xrvims that you purchased with a credit card and you have tried n good folds to cores the problem with the mrdam, you may haw the dght not to pay Una remaining mot duo on the rty or services. You have thus }5p oe?o lY wdhss tls purWtt p ce, was mom than within Igo and hndes e purchase pax was mob in your hone state or your It wa ? naga ed ? tphe own or operator the machs o adwrdsomm for the p7erty or services, al Purchase; em monad regadess off mount or k-don of pu..havi Plesse nmmber to aign all cort q.don- t Dues not apply to conaomer ran- mil raid accm#,tg t Does not apply to bres/new noncredit carts accolnre Capital Om supports information privacy Protection: ase our wreodte at www.mpicyone.com. Capital One is a federally registered service mark of Capital RnOW01 Conponti n. All rights reserved. S 2003 Capital One, 0 LBAK , a mrnmun yam 'FINAME re Etoofa>0.50 wall be irtpoced. Ii t M v charge he trod vence cat coal fimra charge readdir from the applcation of you periodic roe(s) is lax than 30.60, we Mill aMract thalr arnount ft. the $0.60 MW;;;. and the dflererae will he billed to the purchase sepm ent a your aceant. t d Te porary. Re d aide n h FMS[ purge. We reserve the dolt toperat asaex any or all Arena charges for any given 2. Ilblvaps oali? BWnr fYalr?q =X=-1- a. Ri cane dares to ralniated by daily balance of each segment of your account (e.g., mold advance, puffiness, special transfer, and special purchase) by the corresponding daily periodic nri that his been previously disclosed to you. At the end of each der du' segmethe "your attceua t the dollyy fence of eichr segment. Tian a the endbof the blgYg pedod, we add up daily mlaletiona m arrive =, segnatt. We the Z= m=. reaha from each sepnme to arrive at the total perodic finance large for your accent. To gel fie daily balance for each aepnuaa of yam accent, we take the beginning balara for each segmm and add any new hareaetions and any periodic finance charge calculated on the previous days balance for that segment. We than subtract any"paymonta or erects posted as of that day cat are afiomted to tint xpnsm. This dues us, The separate daily balance son eachseQnm of yes account. However, if you paid the New Bstara shown m your P"'- aaremm in fun (or if your new balance was zero or a credit amouxm), new transactions which post to your purcldes , or special Purchase sediments are not added to the daily balances' We mlaiate the average i1y balance by ad3ig al the daily helancea togetler end dclulg the ant by the number of the days in the anart ybit" cycle. To calculate your teal dahn I- chi-Q., ratme aMp b your .-,.W dally baiara by the V pie y the number of days In the billing period Due m rwdng on a daily bask there may be a slight variance between this mholadan and de mount of Sane tlurge actually awed. b. If the code Z or N eppean on the front of this smttanan rout To 'Balance Rae Applied To,' we mnlfiply the 480995 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. II CapitalOne, Account S First 3 months half-price 97 4 a month; s9.951mo. thsxeatter =FREE Accelerator' SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.corn/go/opal Previous Balance $4,904.68 Payments, Credits and Adjustments 540.00 Transactions $138.65 Finance Charges $62.98 New Balance $5,066.31 Minimum Amount Due $258.00 Payment Due Date July 23, 2003 Total Credit Line $5,000 Total Available Credit $.00 Credit Lute for Cash $1,000 Available Credit for Cash S" At your service To call Customer Rdations or to report a lost or stolen cud: 1-800-903-3637 For frcc onac-vunt service and special asatoma offal, log on to: www.eap ulonecom Send Pa7ments to: Send inquiric to: Attn: Ranittana Pruassing CaPital One services Capital one Savice, P.O. B. 85147 P.O. R. 85015 RiA..nd, VA 23276 Ridcmond, VA 21285-5015 n e peoplepu online \___1 A better way to Intemet. People,PC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerT11 1? Spam controls ® ' Smart Dialer 45* More Email Addresses 4® 130 Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 MAY 24 - JUN 23, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 27 MAY CAPITAL ONE ONLINE ACH PAYMENT $40.00- Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment, please accept our thanks. Transactions 2 28 MAY GIANT FOOD STORE #2S1S ENOLA PA $3.66 3 02" VERIZON WRLS 0334101412-635-2012 PA 105.99 4 23 JUN PAST DUE FEE 29.00 Can 9 million hungry kids inspire a nation? It's inspired Capital One and America's Second Harvest, our country's largest domestic hunger-relief charity, to build an online food drive. On June 5, 2003, National Hunger Awareness Day, and throughout June, you can help fad hungry children and their families by supporting the online food drive at www.secondharvestorg. You were assessed a past due fee of $29.00 on 06/23/2003 because your minimum payment was not received by the due date of 06/23/2003. 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 Plexetecreoerrerideforimportant information Bar! aratr P. C r -1 FI1ci E epplkdto & l r I te R CHAIj PURCHASES $4,97114 .04082% 14.90% $62.98 CASH too .04082% 14.90% $.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. C-aphWo , 0000000 0 5178052278426453 23 5066310040000258004 New Balance $5,06631 Premep.i:st mailiadaddrnr-P r-maildimsgrr&1 mvXH--M.4-L Minimum Amount Due $258.00 steel Apt 4 Payment Due Date July23, 2003 Gry Snn ZIP Total enclosed $ Home Phone Alx:asn Phom Account Number: 5178-0522-7842-6453 #9017513561148556# MAIL ID NUMBER Capital One Bank C JOANNA L BALL P.O. Box 85147 924 WOODRIDGE DRIVE Richmond, VA 23276 ° ENOLA PA 17025-1545 m ? Please writeyoar aawnt nwnber m your dtcrk or money order madepayable to Capital One Bank and mail in the enrlmd envrlope. 14.90% r peoplepa- online sl_/ A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-7784207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal O n i ? l N N PeopleK is solely responsible for this offer, ands not affifated with Capital One Capital One does not provide, endorse or guarantee, and is nol affiliated with, any product OF service shorn here. Any trademarks mentioned harem are solely owned by the respective entry. Al rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Accelerated: First 3 months of service are billed at $4.97 a month; $9.95 a morith thereafter. 12-month commitment replied for PeoplePC Accelerated, Month-lo-Month pricing with no term commitment is $14.95 for PeoplePC Accelerated; $9.95 for PeoplePC Online without accelerator technology. Offer evadable to new dal-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 par mints. tWith PsoplePC Online Accelerated, certain Web page text and graphics will load faster when compared to standard dial-up Internet service, Actual results may vary. Service not available in all areas. Access fees, taxes and other fees and restrictions may apply. Phone technical support available for $1.95 per minute. For questions, call tdl•bse at 1-8811.5TRYNOW. 02005 PeopWC Inc. Perri Online and the PeoplePC Logo are registered trademarks of Peopli Inc. Trademarks am properties of their respective owners. All Fights Reserved Service not available in all areas. Access fees, taxes, and other fees and restricons may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone td charges. Access may be limited, especially during tines of peak usage. Dial-up numbers may be charged at PeaplePC's discretion. Continuos use subject to bmeout procedures. Al use is subject to Peo*PC Onine's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. Al Rights Reserved. PeoplaPC Online and its logos are trademarks of PeoplePC in the U.S. and other countries. 02006 Capital One Services, Inc. Capital One is a federally registered service mark. AN rights reserved, bola e Of eachi?er this ae?gr?rK; each day, we take the ymy rrrabw tra to land subtract scode N appearsA fmnc of lit te statemem (Ifthe oprt the vboact any uripela Smi ce charge Fclu had in the balance of each sagnera.) This gives us the daily balance teach ssgnem. Iran, "add up all the oilyy Wlsrncea for eadn esynem for the blj: pprga and divide b the tad mnba of say. in the bilFq Perloa• THS yvea w the 3. Me mny 3e FtM msoar aeI - a. The al term w 'Annual Percentage RatePercentage Percentage age Rate' may appear as may vary quarterly and may Increase or decrease based on to stead Irhfcam, as fourd in TM Wag Sheet you. Josnxl, ink. the;s,Orr y fadowd to 7lheee :q;- cad on the 16st my of Your blip vered hry yon, periodc statenhertt anrlrg statement next m the periodic ram(s), the oak rates and correspahirg ANNUAL iii7i Nf =E TES mry wary mamity enfold a,ey Ya.-rwae c r deaesse bawd an the sated Indces, as hand n 7)re Wall Sweet Jaa-f,, plus the margin previousiy deposed on you These ch-q. WY be effective on the first my of yen bing period each month. 4. Ana.." of Leta, Owrimit and Roamed Psymad Faun. You axpart VAN be assessed no more than two of the Seas Emil hem that occur during any blind period. Under the terms at your customer agreement, we reaerwe the night to wive or not to assese any fees without prior notification to wathaet wdvkg our right to assess the same or similar t e later time. 6. war A. - If a membership fee appasm on the from of War statement, you hew 30 days from the data this summers was milled to you to avoid paying the fee or to have Mich fee credited to you H you cancel your soaoas. During 1Ns period, you may oerrixe to hoefee.yTour aocers without having to pay thnotify nervy us us by sloo cancel your aocern, you must the M o "Now w Reface' ' In and pay ter Ost In full (excluding [ng the membershp fee) pros o theend of the Minyday period. e. H Yes clove yarn Awwa. you cab repeat to dose yyoautr accent by calllnp our oust mrer Relators D¢pertment. You must destroy your credit card(s) and account access docks, cancel all preautherized billing, == axaurht. If you m rot cancel magern , we will cuaimr reoept of a emrge was autlarizaton to hoapen yw aoeeat. Additionally, your account will not be hiiaL ontil you pay all anems you owe W indodng: erry transactions you haw autlnrized, 4vace charges pat due teem, OVefllinit fees, ftmmed payment fees, cash advance fees and any other fees assessed to your eocaat. You am responsible or these amount whether they appear m year aceourr at the time you request to dose the apOOUr or they are ihaunfed subsequent to was repeat to coae to accent. This may result in chargse eppcahq m your sccer i after you have your exam if It has already been dosed For example, it you auhodzad a padres tram a nrerdant and vre mceive the ton frmn the memlrm after your a0mu t ham been cb.r.g4e your accent will be reopened, the amount of the ch. anadry?oeuraw8 be rseporsute ?bpaynn tlfghee Fay. d• to be drsryoy?m Ir ywr account, the ? fee will continue , unti dte accourt balance hear been in call am mmea above. Yoir AmourK.Your card a acxtrrt tarot be In connection with any months( gambling S. Native Mud Elements Cheek Carwand. Whah you p-Me a deck as payment, you eut prize us elther to use nmrmaticrn from your dock to make a one-time electronic finned trawler from Your bank accwaa or to pus?a n?tormation from Z: a clhack tracactlah. When we r dock to mak. an ebctrorec and [rarafar, Tulle may bar w0drawn from war bank axeat r soon r the same my we native ant will your payment, you rot receive your check beck from wow flnarcr l rhstl[will BILLING RIGHT'S SUMMARY (in caw Of Eirore Or Q..dars Aban Yar BIN) If you thinsik your bN b wrong, e H you need more inlametlon on o trxaardah a MII, canine m tae on o separate sheet se, -g= t the address for khpdrise down on tha atrterni We mast fide bill on?wHcchh Ithererrroorr or p ddayyss after ap ere sera you rite probier g so will not can our Qlatonner Retail" nnhber, that doin prarerv . war rights. In war Inter, Cove ua the follevng nfonmatlon: your name and account mmber, the dollar amen of the suspected senor, a description of the error and en tplerston. H Poesble, of why you bellow there is an error, a H you need more inorma en, a doacdptlon of the hem you am unsure about. You do not hew to pay any snout in question while we am nvesdgemp a, bur you am ail abli d to pay the part. of ydr bell tL, am rot In question. mle wo Invest oete your grratlon, we ranter. rgrort you se deNnquas or take any ectbn m collect tto amrhur you queatlon. t,t spatial Rue For Credit Card Puchsaea If you hoe a problem with the quality of property e semgw that you purdrawd with a cretin card and you hew triad n Good faith to correct the problem with the merchant, you may hew the right not to pay the remmi irg me" due m the rty or services. You hew this 35p and the exam iro wade wrrhsm n ?s v= tlan within 100 mile of teal Your forme s[t a operate the merdatt?or If - mail you eve, ° or r edvedeerhnaM for the property or services, al purchases % r?r rdlaw,f anourt ocerreapord?arhceon of purcnew.) .11 t Doe. not apply to term r non-mdfr -or eccamis t does not apply to same- runcredtt carry -covmc, One supports information privacy promotion: sus our at www.capitelone.com. One Is a fatltaly registered service mark of Capital Gi Corporatkn All dohs. reserved o 2003 Or, _ OILGLBAK t e. cause Period. You will haw . mirdmun grace period of balance Inance rnorm new apedd gaon d?nerw ace roew,other charges if you yy your toW 'New Balance', m accerdance "the Important Notice for paymerta below, and In line for It to be crafted by your next statement doing dale. There Is no grace period on Gab advances and apedal traafere. In addlen, there is no %raoe period on any u 'araection If you do not pay the total New bolaroe. b. A-sing Fk- Chg. Tray .d- which are nor 1 ntttllemdeleg of 1 art alaectlm oaf 2 elf the dategdle) transaction is processed to your Account ot 3) from the first calendar day of to cunam killing ppeeridod. Additionally, it you did not pay the -New Balance ban the previous billing period in full, linnoo purges coartimle to accrue to war unpaid balance knell the unpaid balance Is paid in full. This nears that you may still owe finance purges, swan if you pay to entire New Balance Indicated on the fie of your staterri by the next staternemt doting dote, but del net m so for the previous month. Ui Arvocce charges ===F== your Aaoun. t c. saupb??aacmtr rggepdkd Vat minsmarr total FINANCE CHAM)E ofnip0A50 will be Imp a Imposed. 11 the total fina periodic ratence, Is Ica than !0 50,tweardlI abtmct that amour from the 10.60 mirimun rend the dff.- will be bailed to the P.,& a ae==. ccent. t d. Tnperary Rtlaef an by We reserve the d#0 in to not asaew any or all France charges for any given 0 ppe?r?od 2. Avsraga B bar f New Ardnraal. a. Brnanee charge is calculated by multiplying the dally balance, of each segreem of your accent (e.g., cash advance, purchase, special transfer, and spacial purchase) by the corresponding daily periodic rte(s) that has bent previously disclosed to yxr. At the end of each my dung the ding padod, we apply the dally periodic rte for each segment M your axanr m the daily balance of each segmard. Then at the and of the blNng period, we add up 1110 reaps of ib-ch. dsgy ealalaters o adw n your perielc irherhce rge Mr each aegrnram. We add the reacts from each segment to arrive at the total periodic finahee charge for was acorxnl. To get the m1yy helloes or each fe¢nem of pun accent, we eke the Deglra ring balance for each segment and add any nevv transactions and an; p¢ rlodc liners charge calculated en the preNous days baance or that mgmeml. We than subtract any paymems a credts posted as of that day that am allocated to tht sephent. This gives w the separate doily balance or each sepnerht of ymu aoeem. However, if you paid the New Balance shown m your p evioxe statement in fu1 (or if your new balance wea man er e Credit amour), new :-= post to Your pure ere or specie[ GiWrt ere non added to the daily ball-. We tva balances together and d ding balance the ton by ? the mA the anher daily the days in the custard rating cycle. To calculate wax ttal flnahce charge, multpy your average dally balance by the doily dodo rte end by 7M -bar of mya in the MI the :;I v to rating en a may baste, there may be a sapht vadarhce bttveah 1Ma calcuadm and the amour of 11- therpa actually awemed. b. If the code Z or N appeam on to from of this "tamer next to 'Balance Rate Applied To,' we mostiolv the Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. First 3 months half-price peoplepu online • ?' * %/ A better way to Intemet. 97 PeoplePC Online offers the features you would 4 expect from higher-priced Internet Service a martin; Providers at half price for the first 3 months! $9.95tmo. thereafter ® Email Virus Protection ® Pop-Up BlockerTM Spam Controls SIGN UP TODAYI Smart Dialer ' 1-877-778-1207 Phisher Security Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral C Internet Call Waiting 141 T.1; Cap,ftW C W PLATINUM MASTERCARD ACCOUNT JUN 24 - JUL 23, 2003 5178-0522-7842-6453 Page 1 of 1 Account Summary Payments, Cralits and Adjustments Previous Balance $5,066.31 1 03 JUL ELECTRONIC PAYMENT $147.00- Payments, Credits and Adjustments $147.00 Transactions $78.92 Your scheduled payment has not been received. Please remit the amount due appearing on this statemeaL If Finance Charges $61.55 you have already made your payment, please accept our thanks. New Balance ;5,059.78 Transactions Minimum Amount Due $262.00 Payment Due Date August 23, 2003 2 24 JUN OVERLIMIT FEE $29.00 3 19 JUL GIANT FOOD STORES #263 ENOLA PA 6.00 Total Credit Line $5,000 4 19 JUL GIANT FOOD STORE QS15 ENOLA PA 14.92 Total Available Credit $.00 5 23 JUL PAST DUE FEE 29.00 Credit Lane for Cash $1,000 Available Credit for Cash S.00 You were awed a past due fee of $29.00 on 07/23/2003 because your minimum payment was not received by the due date of 07/23/2003. To avoid this fee in the future, we recommend that you At yourservice allow at least 7 business days for your payment to reach Capital One. To wn Cunnaa Rdatioac o w rcpwt a loci or smlm card: 1-800-903-3637 For free online account semce and speaal ontoma offers, log on to www.capinalonncom Send payments to: Sendiaquiresta Attn: Reautunm Processing CapimlOne Savion C*tdOaeSuvins P.O. R. 85147 P.O. Sas 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Finance Charges PAwe ree reje redde r o r iimportant infffmiioo nn li ? . BALM ,&, P..j. C ') ' d W/( ilY liL. _*& JAI +a R v PURCHASES $5,025.75 .04062% 14.90% $61.55 CASH $.00 .04062% 14.90% S.00 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 0 5178052278426453 23 5059780147000262003 New Balance $5,059.78 Minimum Amount Due $262.00 Payment Ale Date August 23, 2003 Total enclosed S AccountNumba- 5178-0522-7842-6453 P/earey,;,et.?;rr,? m.V -maare-ems,W--VW V,,k k st,.t Apt 4 Coq sea ZIP Home Phone Alamsa Fhone #9020513561148551# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 I1 1 11 1 11IsIIIIIIIIIII1 924 WOODRIDGE DRIVE Richmond, VA 23276 ENOLA PA 17025-1545 Ilrlnlrrllrrnlnllrrrlnllrellrrrllrnrlirrrllrrrllrrrllrrrllrrrl ? Irrrllllrrlllrrrrrlnlrlnirrrrllrlrlrrlrrlrirlrrrlrlnlrrltilrll Plewe writeyoeaaaount number on yow chak or money order madepryable to Capitat One Bank and mail in the endoredemn/opc. r peoplepc- online %?_ol A better way to Intemet UNLIMITED INTERNET ACCESS SIGN UP TODAY: 1-877-7784207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral 8 O N N PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. Ali rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online T %th JP are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new d084 st1i5odliIka1gen18DJ*tssp*age and may not be redeemed with any other offer. Offer subject toA atpKy i".2ToTstlgnical support available for $1.95 per minute. For questions, call toll-free at 1-668-5TRYNOW. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determinirg whether a call to one of our access numbers will resu t in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeoplePC§ discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Onlinels Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. AN Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. ppeoriodic rtta. To obtain the average dolly balance for the [I tool covered by tie stationaM we take the t or credits. the code cabalance ? each tepwgirrms eac hd ark! paan? statement (nwd to Balance Raw q°pngthe To,- of this subtract my unpaid inrw charge included In the belon :e of each amens.) This gives us the daily balance of each ..grunt t her n, we add up all the dally balances for each eep? tt io bid bpNaribgd and d Thi by the total a daily balance of each e?egners. glues w the rs 1 Pwoemsge Rata IAPHI. The Farm 'Amual Percamage Rate' may appear ere ma statement next w the Periodic rate(s), the rates and q ANNUAL PERCENTAGE RATES may wry 4 id may Increase or decrease based m the euted inrices, as found In The WaN Street Jourrel, pits ere magin=y dscianed to you. on de first day of your These dw?gee re be bb9t ..the ? e b)' your periodic statement aAre a If the code D ¢dmel F 0 m At LIBOR) oor (3mo. LIBOR Repriced Mand" appears on the front of your statement rout to the periodic rate(s), the pplodc retea end cormgmrdr p ANNUAL PERCENTAGE RATES may wry nnonhiy sit may inveass or rleeesee based on the anted kndcea, ss fond n The Well Sheet Jorand, plus the margin pmvlesly disclosed to you These changers will be effective m the first day of your bang period each month. 4. Asaaaanart of Later, Ovarfmk and Reluned Pwrers Fans. Your acor to t will be assessed m more then two of the fees iced here that occur dung area billing period. Under the terms of your customer agreement, we reserve the right to wefve or not to assess any less without prior notification to writhes waiving au riyt to aaseas the same or similar et a Ins lime. 6. You A-urd. If a membership fee appme on the frerlt of tia statement, you haw 30 days lrorrl the dam this statemsn was coaled to you u awarW paying the lee or to have such fee credted k you If you cenc?d your acoatnL During this period, you may continue to use your arrant without having to pay the membership fee. To -ned your aocuu t you roar ratify us by cayng air Curs= Relaters Depammem =amm pay arts New Bdace' in full (ezdtdno the p Tee) prior to the end of the thirty day pedod. t. H You Cosa Your Aaeotnh. You can request to dose =-0011M by -ling our Customer lblatons rtmem. You must destroy your eredt -b{s) and accent access docks, cancel all peaulherized billing' and cease Will lg your accent. If you do not until pmaut prized WV arrangements, we will consider rerxyt of a durge you autlorizalian to reopen your ocean. AddtlN amo your accotnt v I not bat da any uti you pay ail mama you ova in ihrArdng: arty due fees, have sWodzed, finance er sun rat due fees, yo, ovedmk fees, retuned assessed bee, advance yfees ou and any other fees h assessed your r account. You are hi reaparihie for these e amounts; whether they appear en your amen =:a=. to tloee tM arcaam or they are tart. This your rattiest to close the aaccoun m may y result in Charges app aPDeadng m your ascent after you haw hew your account if k has already been closed For example, if you sWnrized a ptrdraw from s merchant and wo revive the trersection imam the merchant after your emus has been closed, your account will be reopened, the amours of to its Will be added to you account and you wi be raeparde fir payment R there is a p fee for your amoum, to fee will .d- to be ctmrged, to the eusx p mrkmdsat d by law, usY the acosas iodate Iw been Wid in fW shed above. 7. litre yam Aooous.Yw card w account cannot be n awaec lost with any imemet gambling transactions. S. facto. Abort Matron'. G»ck Conversion. When you Previte a chock as Payment, you aWlodz. us driver to use infor m d- from you clack to make a ors-time decooric fund trssfsr from your bank amour or to Process; the y? as a chock trarsxtion. When we use Information your dvKk to =its an aloctronic: fund transfer, furls yma be withdrawn kern you bank awotas ss soon as the some day we mceiw your payment, and you will not mcdw, your check back (rest= your flnrcid inedmtdon. BILLIW RIGHTS SUMMARY (n Case of Error Or Questions About You Big) If you tit your bit b wrong, or If you need move kdormatm m a tnnew-tm err bill, write to co on a saparete sheet as sou as possible a the address for ingiriea drown on to irons of this statement We must hear from you m later than so days after we sent you the first bill on which the nor or problem appeared. You can nil our Customer Rdsaora ember, but dung so will net pB80Nd your dyes. In your letter, give ns the following nfameam your name and account number, the dollar amount of to suspected error, a deaeripdm of the error ard an ar r or If R Possible, of why you believe them is you reed mom Information, a description of the from you am area about. You do not how to pay any mount in question while we am ink h, but you are sail Obligated to pay the parts of yam biB that are rot in gioatbn. WIND we investigate your question, we carrot rt you ss ddingren or take my action to collect the oat you question f,t Special fate For Credit Card purchases If you have a problem with the quality of property or services that you p rdused with a oredt cad and you how tried In good faRh to correct the problem with the merchant, you may heft the right not to pay the remaining our due m the pr=ny W services. You hew this Pleen only wltm Us ptrcfow pko was more than }50tepti.00 and the puctsss was redo In your horns state a within 100 mien of your malay address. (if we own or operate the merchant or If we malted you the sdwrdsemsnt for the y a 7=1- ai rtihaeos acs covered regardew of snare puor purchase.) Pleaaa remember W sign all correspondence. t Doe, sot apply to conarzmren eon-cmo caul secwmts I Doe, mar apply to luzsls„ tx-mdlt card eccoum, Capitol One supports Information privacy protection: see our waW1[e tt rvevw. ane.can. Capital Orre Is?puta?y rodstemd service mar ZoffCCapital One Rnerhdd Al do to me-od. Capital Or, 01LGIBAK t a. Qraoe Period. You wi8 haw s minimum grata period of 25 days without finence charge on new purchases, new balance tramNoms, new special purchases and new other charges If you pay your tool New Balance', m ow, and dro in time for I h the to he Important credited Notice f your or next statement annd np im date. There is In grace 0 grace period en -!1 advances and almdal r transfers. addition, chore no RrNCe period on any ny tp tranea4tlen If you do not pay the total Now Detente: b. Aortayng Fihsnos Chorg. Transactions which .. not the der et Inance charge 1) imwn Us Aare o M:-=?rt swctlon on transaction is processed to your Account or 3) from the first calendar day of the cunernt biting period. Adddonaiy, if you did not pay the 'Now Balance imam the previous billing period in fill, fnarc , charges continue to amne to Tour unpaid balance until the unpaid balance is paid in full. No memo that you may add owe finance charges, even if you pay the and. New Balance indicated on the from of your statement by the next statement closing date, but dal not do so for the pre vious month. Unpaid stance chsmgoa am added to 1110 cable so¢nem of your Account. t c kamnirsan Finrnea F. each bMkV period that you account Is to a hence drafgo, a minimum tool RkANCE E of }0.50 will bat Imposed. Ii the total in ar ce Burge mouldnp from this epplcation of your periodic rate(s) is lase than >0.60, we rdll subtract that amour from the }0.600empinnimum and the ditese ce will he t d bR r ee n Fihraaof_ your accent. ahrW We reserve the dyn u not sasses any or all faience charges for any given bihM ppeeriod 2. Avrga Bobs a I New Arahaaaal. a. Rmmce charge is cal. lated 6v rsidP".. the deity balance of each segrnemt of your account (e.g., cash advante, pu se, special transfer, and special purchase) by the comespamdng daily periodic rate(s) that has been previously disclosed to you. At the end of each day dumiq the billing pedod, we apply the dally periodic rate for each s.grnma of your accasm to the daily balance of each segment. Then at the and of the hiaing period, we add up the realu of these dally calculations to arrive at your periodic finance charge for each segment. We add o the results from astir moment to arrive at the total periodic odic finanhce charge for your accent. To get the dailyy ba?lance for each aegrnem of your accent, we take fie Oeginrklg balance for eatih eegrnem end add any new transactions and any pedodc inence charge caIodated on the previous days bal-ce for that sepmmt. We than subtract my payment. or cmdte posed as of that day that are allocated to thn aegrnhennt. TNa dvea us the separate daily balance fw each segment of veto ac-tart. However, if you paid the New Balance shown en yea previotr state lefm in fit (Or if your new, balance was zero or a crecit amount), new transactions which post to your pure sae w special purcihess segments are not added to the daily balances. We -lasers =7 e dot 6dmce by addrq a8 the daily balances d d drhg the sun by the number of the days In the aumem boiling cycle. To caktlate you total mane charge, multiplyy your average dally balance by the dilly periodc rate erne by the member of days In the billing period Due to ro ndrq on a daily basis, there may be a side variance between this calculation and the amour of finance drat . act ually assessed. the front of this statement b. R the code Z or N aDpeem on next re 'Balance Rate Applied To,' we muttidy the 45902S Important Notitm: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ' / SIGN UP TODAY! 1-877-7784207 Mention Offer Code: JADE Or visit www.peoplopc.com/gorade 003 peoplepm online U A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection (5 Pop-Up BlockerT"' `j Spam Controls Smart Dialer %9@400 JOANNA DRIVE E11406h e81MM5,4 545 Capita/OW, PLATINUM MASTERCARD ACCOUNT JUL 24 - AUG 23, 2003 5178-0522-7842-6453 Pagel of l Account Summary Payments, Credits andAdjustmrnts Previous Balance $5,059.78 1 28 JUL Cap 1 ElectronicPhomPmt AuthDate 27-JUL $150.00- Payment; Credits and Adjustments $150.00 Transactions $68.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement If Finance Charges $63.24 you have already made your payment, please accept our thanks. New Balance $5,041.02 Transactions Minimum Amount Due $263.00 Payment Due Date September 23, 2003 2 24 JUL OVERLIMIT FEE $29.00 3 28 JUL PAY-BY-PHONE FEE 10.00 Total Credit Line $5,000 4 23 AUG PAST DUE FEE 29.00 Total Available Credit $.00 Credit Line for Cash $1,000 You were amassed a past due fee of $29.00 on 08./23/2003 because your minimum payment was not Available Credit for Cash $.00 received by the due date of 0&/2312003. To avoid this fee in the fuuzre, we recommend that you allow at least 7 business days for your payment to reach Capital One. At your service To c&R Cuswmer Rrla&w or to report a lost or stden card: 1-800-903-3637 For free onhae -it servo, and speeal osstomer offers, log on to. _Capitslone.com Send payments to: S.'l ingf is to: Attn: Reraitt- Pr oftung C ptd One Services Capful One Ser'i- P.O. ]a- 85147 P.O. R. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account laformation Did You Know? Capital One offers more than just credit card products. With more than 47 million accounts, Capital One provides valuable financial soluuonss including auto loans, personal loans, CDs, money market accounts and more- to one out of every three homes in the U.S. Ftffince Charges Pkwesee reverie side for important informatio n `v on a hriod. d 1 WE C -r E ? to ,.t. . PURCHASES $4,997.47 .04082% 14.90% $6314 CASH S.00 .04062% 14.90% $.00 ANNUAL PERCENTAGE RATE applied this period 14.9096 PLEASE RETURN PORTION BELOW WITH PAYMENT. C-- low 0000000 0 5178052278426453 23 5041020150000263008 New Balance $5.041.02 Minimum Amount Due $263.00 Payment Due Dare September 23, 2003 Total enclosed $ 1_1 Account Number. 5178-0522-7842-6453 Pra.p N ?r <a „ ret aer -gar o Wr knrk? Sneer Apt # Ci,y Sore ZIP Home Phone Aloernaw Phone #9023613561148556# MAIL ID NUMBER Capital One Bank ° JOANNA L BALL P.O. Box 85147 If Is t 11 1 1 II 111 II n 924 WOODRIDGE DRIVE N Richmond, VA 23276 ° ENOLA PA 17025-1545 m ? I1I IIIIIIIIIIIIIII II II IIIIIIIIII IIIIIIIIIIIIIII II IIII111IIIIII ° IIIIIIII I III 111111 I I I 1 I 1 I u 1111111' 11'11 V I I I111 V I I 111 11111 II Please toriteymr amount nwnher on your cherk or worry order madepayoble to Capital One Bank and mail in the mbsed envelope. First 3 months half-price 7 9 month; $9.95/mm thereafter 4 r peoplepu online \--./ A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1-877-778-1207. Service not available in all areas. Access tees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for detemtining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeoplePCs discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. All Rights Reserved. Peopk:PC Online and is logos are registered trademarks of PeoplePC in the U.S, and other countries. C 2006 Capital One Se vices, Inc. Capital One is a lederally registered service mark. All rights reserved. 8 O O n N Dow" D anco of each reaagorsnont each day, am my new trareasicalial to -11, or ad. f . code ? m (Inext W'9.1 Noce frets and "'bured gopn t n - be subtract any unpaid finance charge fncMabd In the balance of mdr mlinam.) This gives to the dally balance of each segmem I heN we add up all the denyy balances fix each segment er the bi" palotl ad dMda by the tool numlow of days In the blMrg period. TNs gives us the daily balance of .. h segment. 3. MrJJ Psrcwdpe Rates APRI. a. The term 'Mud Pencahtage Rme' may appear as APR' an the from of tlse s Rio *'t. b. It the code P ('rime), L (3irlo. 1.10011), C (Certificate of DepoeiU, or S (Bankcard Prins) appears an the from of thin aatenlaa next to the periodic levels), the eiodic motor and ANNUAL PERCENFAGpRATES may wry rplartafy may increase or decreeee based an to stated Italian, m foul in TM Wall street JounN, pan the margm=y dacioood to you These W l be a a the fist day of your - red if a made Jaranry Ap your l W amid Oc aba .o Ong c. If to code D (Pram). F (limo. UBOF0 or G 13-mo. autemart into u me padodc ratefs), the rates end comaporhing ANNUAL PERCENTAGE TES rosy vary mashy and may Increaser or decrease based an the stated ndees, as food h The Wall Street Jorem/, plus the margh previously declared to you Tlem sengs WI be affe dw an to first day of yea bang period each m r . d. Asamamart of Late, OvaiNt and Reamed payment Fora. Yes accent Wfi be amerced no mere than two of the fee" listed her tot occur during any filing period. Under the term of your cmomer agreement, we reserve the right to wane or not to asses my fear without Prior notificatan to without _I*V A= it. to assess the same or similar at a later tree. 6. You Aaaoud. If a membership fee appears an the from of his at&. nt, you hove 30 days tam the date this st: m ra was mailed to you to evold paying the fee or to lave such fee credited to you If you cancel your accam. Dining this period, you may oilane o hne your accam without having to pay the menbedip fee. To cancel par attorm, pu must notify us by calling au dmomer fidatem Depanmem and pay ype,u New Balance, n full (exeu ding the mernbenstiprfee) Prior to the and of the thirty-day period. 6. N You clam Yerr A.-.,L You can request to dose yyoauu acceurt by calling our Customer Relations Department. You must destroy your credit card(s) and account acees decks, cancel all preauthotzed killing, and Dams uska your aaaaa. If you do not cancel preautlhodzed ling amangemanta, we Wl consider receipt of a serge you authorizatian to not account. =,ona ty, Your acoern will not be J-= until you grey all anourss you owe lee Indudrhg arty irahsctlas you haw authorized, finance surges, past due fees, ovedimh fees, reined payment fees, cash advance fees and any oter less assessed to your aocatint. You are mapaldbie for tore amounts whether they appear an year accent at the lime you rsqust to does the account or they are nerved aMequw.vrt to par request to dean the account. TNs may roast in dhergss appearing on your accent after you hew your acewa if it ties already been dosed Pon example, if yw aWorizad a purchase from a mordent and we meaner the tralraClion from the menchmt after your amout has bean cbmq your saw" will be reopened, the anon t of the the will be added to your accent, ad yyoeu will be a for paymam. If tare Is a rrlambNdip foe for you aoceua, V. fee cell continue to be charged, to the extern permitted by law, u d! the accwaDalmoor has been paid In full as defined above. 7. =1 Yerr AmounLYour card or amount carrot be n co neudan with any nremm gambling transactions. a. Nalco Aaws Elsobpdo Cheek Conversion. When you provide a check as payment, you audhodza us dther to um information from your check to make a one-time electronic Kid transfer from your MA account: or to procure the ppssyrn" es a dock tra saction. When we use nlamatin from you cock to make ar, electronic fled transfer, tugs may be whfdravn iron you bank accoua as soon as the same day ova receive your p.ymhent,finaxial ad yw wrll rot recdw y-r check back from your artitWn. BIWNG RIGHTS SUMMARY (n Casa Of Emma Or Questions About your Bill If you thick yen ==. er If yen need mere Inforrmtlan n a bill, write to ken a separata sheet as soon as possible at the adnkem for Ingdfss shown n the trod of the statemers. We must hear from you no later than 00 days after we mom you the first bill an which the error a probiem appeared.mYn can call err Customer Relations nanhber, but dalrg will rot prremaw your it". In Your letter, (pee tr the following I n: yea- mine and accouter ember, the dollar amount of to suspected error, a description of to error and m alplmatim R pomble, of vwfihyy you bdlaw tare is an ertw; or if you need mom inforet description of the hem you are unsure about. You do not have to pay any amore in gxaiah While we are nvmtlge3e'1 but you are aril obi [od o pay the parts bi mat am rot in Qahalon. la we nveal?o your r question, coo cannot you s ddrpu nt take any action to called: the report.t You qu rx =r L,t Special Fade For Credit Cant Purchases If you have a problem with the quality of property or smom that you purchased with a credit card and you haw tried In gad folds to comet the problem with the merchant, you may haw the right not to pay do remaining amonra due n to progeny OF services. You mw this praectin ondtNyyhrwhen tr PUmkrwmar in aea _nwashonkie more itrn state 950.00 a podrm was your or within 700 sore of your If maRV - address. ed yoyo (If we own or rtl mm the ntt for ?the prrr I o ivy r services, u to are cewrod regent sea of amour u locatian of purder.3 Pbaas remanrhber all oreepwdence. t Does not apply to ronsrrmer mm-asoff card atcaants 1 Does not apply to bas r;aw aovrcrea7t card accauets Capital One appurta infermatim privacy protectim: me our webdta at ww.v.caphalae.can. Capital Ons is a federally registered service mark of Capital t a. Qrme Period. You will have -re minimum grace period of 26 day. without finance charrygee an new purchases, new balance tram outime aoco dahca wfdt Nte Iirpototal" rtam Notice for payment. below, all In tree for It to be credited by your and atatennmt dosing date. There Is no pace period an cash advances and special transfers. In addition, there Is re dace period n any trarmcUn If you do rut pay the Coal New balanrce.' b. A.ahig Fnnw Qhase. Traits ,k- which are not subject to a grace period are amsaed lmnce charge 1) from the rime of the trasactlan or 2) from the data the transaction is processed to your Account or 3) from the firm calendar day of the carers billing period. Additionally, If you did nod pay the 'New Balance' from the previous ng period in fill, Wnce charges continue to accrue to your unpaid balance until the unpaid balance Is paid in fill, his ream that you mayy .ol owe fimrhce Uheryss, even if you pay the entire New Bdahce indicated an the trait of ata[wnaa the mom statement do." data, bort did notd o m fa the preWoua momh. Unpaid fihnc?e chergea are added to the qjilicable sepnem of year Arxvun. t c a?hin..a Rhone For each burg period that yen amoun la cob ect to a inane, charge, a minimum tool FINANCE CrNgAe E ofn000.60 will barpplEmpomd. Ifytaheu ,A I rnala}?M lees thiiltl cation n 90 60't, ft aubtraa that amen from the $0.60 mW- and the riff.- wol be basil to td Tarnperay Redasftah h Fihama pwfia. We reams the right o nd aaeem any or all finance charges for any given dlIt' pecod 2. Avarale DYy Bala- F New Ptrdhrsl. a. Finance charge is calculated by multiplying the doily balance of each sePnem of You accent (e.g., cash advance, purchase, special transfer, and special purchase) by the comespadrg daily periodic rate(a) tot has been previously disclosed to you. At the end of each day durrianqq the billing period, we apply the daily periodic rate or each segment of your account to the dollyy bs of each segment. Then at the ad of the lit period, we add up the resdta m them dal cakaiators to ardve at ydr pedodc finanhce surge for each segment. We add hp the malts lrern each aegtrern to arrive at the total periodic finance serge or your account. To got the dell lyy W lame or each segmnt o1 your aeceir m, we take the be Wring balance or each segment and add my new transactions and any ppeedode finance charge calculated an the previous days baance or that segment. We than subtram my payments or credits posted as of that day tr2 are allocated to that segroe m. This glum us the separate daily balance for each seginem of you acearrt. however, if you paid the New Balance shown an you previous statemerm in fill (or if your new, balance was :ero or a credit amours), new transactions which post to your purchase or special pumhas aegrenn are not added o the daily balances. We balances Z= age daily balance by adding all the daily balances and d%Wg the sun by the number or the day in the ahem billing cycle. To calculate you total finance surge, mtdtiply par average dally balance by the dally dodo rate and by the number of days In the billing pe Due to rands( an a daily base, there may be a slight vadance between War calc latim and the amount of I- c ay actuely ammd. b. If the code 2 or N eppeans n the from of this atatmham next to -Balance Rate Applied To; we muddy the 450275 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. Pr. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. First 3 months half-price 9 a month, 4 7 $9.95tmo. thereafter' SIGN UP TODAY! ' 1-877-778-1207 Mention Offer Code: ONYX Or visit www.peoplepc.com/go/onyx Capital oW, Account S Previous Balance $5,041.02 Payments, Credits and Adjustments $200.00 Transactions $58.00 Finance Charges $63.06 New Balance $4,962.08 Minimum Amount Due $211.00 Payment Due Date October 23, 2003 Total Credit Line $5,000 Total Available Credit $37.92 Credit Liu for Cash $1,000 Available Credit for Cash $37.92 003 peoplepc® online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection (3 Pop-Up BlockerTM Spam Controls Smart Dialer Phisher Security Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 Payments, Credits and Adjustments AUG 24 - SEP 23, 2003 Page 1 of 1 1 06 SEP ELECTRONIC PAYMENT $200.00- Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment, please accept our thanks. Trarawfions 2 25 AUG OVERLIMIT FEE $29.00 3 23 SEP PAST DUE FEE 29,00 You were amassed a past due fee of $29.00 on 09/23/2003 because your minimum payment was not received by the due date of 09/23/2003. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. At your service To can Clutomer Relations or w report a lou or stolm card- 1-800-903-3637 For frre online aov t service and spowl owomer offers, log on to -capitalone.mm Send paymmts to: Send invirin t« Attn: P-tuns Processing Capital One Services Capital Oae Swriar P.0, li- 85147 P.O. R_ 85015 Rkh.ond, VA 23276 Rid mond, VA 23285-5015 Important Account Information Did You Know? Capital One offers more than just credit card products. With more than 45 million accounts, Capital One provides valuable financial solutions - including auto loans, personal loans, CDs, money market accounts and more - to one out of every three homes in the U.S. F`manec Charges Pkan see reverie sidefor important information w Ba! ran P-1. Consrtoading N N ran . R AIZGE CHARGE v PURCHASES 54,983.70 CASH .04082% 14.9091 $63.06 S.00 .04082% 14.90% $.00 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. Q-1lip"Wo a 0000000 0 5178052278426453 23 4962080200000211003 New Balance $4.962.03 Minimum Amount Due $211.00 Payment Due Date October 23, 2003 Total enclosed $ Acwtmt Number. 5178-0522-7842-6453 N-11 iat,aat„yaJA-,,,J--adeb grb k--;,err -M,k;)St_ Apt I a7 Snu ZIP Home Phone Aluznsu Phone #9026713561148551# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 924 WOODRIDGE DRIVE Richmond, VA 23276 N ENOLA PA 17025-1545 Please write yarn mount number myour rheck or money order madepayable to Capitat One Bank and mail in the enclosed envelope. r peoplepc® online u A better way to Internet:. UNLIMITED INTERNET ACCESS SIGN UP TODAM 1-877-778-1207 Mention Offer Code: ONYX Or visit www.peoplepc.com/go/onyx PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, ands not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. AAN rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. `PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll free at 1-877-778-1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be charged at PeoplePCs discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC W. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. S O o N N periodic rate. To obtain the average dally balance for the bang period covered by die atatsmant4 we take the Marro balarm of eeacc tenth segment each day, aidaymyarnne trommod" to each seg, r credits. (If ties w N appears qOpFFp the frogs: Idat its o eurtarmars, noart to -Do- Rate subtract any unpaid lkuncce charge Ftkdll? e0 in the lmis- of each se3nea.) TNs gi w the dally bomoo Of aech ssgnam. I het, we add up all the daily allarwos for each segment for the billing ppssdriod and divider number of dove IF the NNng parbd. TN. givethe trical s tae the a dally balance, of each segment. 3. A nual P"We Nabs IAPRI. a. The hem 'Annual Percentage Rate' may appear as APir on the front of this sateme t. b. If the coda P (Prate), L (3ino. LIBOR), C (Certificate of Depodtl, or S (B.*card Prnhe) appears m the front of this statement need to the periodic rate(s), the Monodic rates and ce" ANNUAL PERCENTAGE RATES may wry '=cosy increase or decreaw based m the sated kndices, as found in The Weft Simet Journat, plus Or rrrgn paNOUly dsclaestl [o You. Tleeo dtsgos wi bide on the firs day Of your bike period covered by Your polod. ataanret erhdirg in the neorar January, April, J,ty and October. c. If the code D ('rime), F (l?rho. l]BOIU or O (3-.. lUatement road to th pe)d?aop?peeans on the front l Of your and ooneapaninp ANNUAL PERRC PERCENTAGE RATEod. S may wry mantNy uW cosy Yhcmaee or decrease based m the sated Nelms, ss food n The War, svw J"aw/, pker the margin previously disclosed to You These chages will be efbodw on the first day of you baling period each morsh. 4. AaaeMrnwt of Late, Ovriralt and Returned Payment Feu. Voter accaea ,I ba s.eased ns more than two f the tees lined here that occur during shy biting period. Under the term. of your customer agreement, we reserve the right to waive or not to assent any fees without prior nodfimdm to v4tbale waivkg ou dght to assess the same or similar at a Ina tote. 5. Yes Aosout. If a membership fee appears m the front of No nnamem, you haw 30 days from the date tda statement wos malled to you to avoid paying the fee or to taus such lee credited to you if you cancel your acoaem. During this period, you may contkae to use your arrant without having to pay the membership fee. To cancel your account ou mum notify uusbayu wing our Customer Relstioi;y Do m. and pay your fee) post" to the end of Urethinly-day ? the period. (. membership yMyaaytrou Cl- Yw Aaoor.t. You tan rogrs to cox D accoun you camost lling deour arCurt=r Reatiom, torrent. roy your credit card(s) and occaan access decks, cancel dl preauthorized Willing, end cox turhg you account. If you do not mncd preautfadzed WING amergemehu, we will consider receipt of a charge your auborizatim to reopen, your accoun. Additionally, your acoant will not be decd wall you pay an amohrma you ova u9 Including: any lransectiae you law sutedzhd, flnsnce charge., peat due fees, overgen tees, retuared payment foss, cash advance fees and any other tees assessed to your ax:arm. You am responsible for these amours wheeler they appear on your aoeaam at the time you request to dose the acoaet or they are named subsequent m your egest to dorm the account. This may result in charges appearing m your account after vou haw your avant if it has already been dosed For example, of you authorized a pudtase fran a rrrrdrm and we receive the tra elacrion heat the merdtrtt after your aa:aut has been closed, your aocotrt wis be reopened, ft aniourn of the charge will be added to your account, and wi be responsible for paymerhL N Ones is a m fair for your account, to fee will condrar to be Burped, to the extent by law, Uhl the aocou t balance Ins been d n ha es defined above. 7. Udng Yes Aswud.Yaa card or account cannot be raiod n corrhectan whh any Internet grmdkq 6. Native Abu. About Bassani. Ci oWhen you provide d r check k Far ro payment, , you u authorize m -either time to doss tniwmatlm from your chock to milk& a ono-or to find trsnsfar Uan your bank. de aux*urst ion, or to procese the psyneta yo a deck tta lmakeian. When we sir khtbm fuinert your dealt to males an our bank find transf er, er, fids may y m wd from your bank account as soon ss the same day we we r ecoiw your payment, and you wi not receive your check beck from your financial instima k BILILIW RIGHTS SUMMARY (n Case Of Emory 0, G-ridorr About Your &i) If you bank your cal b wrag, a N you need more Infomatm m a tnrractbn a bill, wme to tar m a Enna, sheet as tom all Peable at the eddr- for hear fromyou roate than e0 day. rifer we sere you the fire AMm vvidcn the snor or problem appeared. You can cell our Customer Relations meatier, but doing so will rot your rights. i ame s your and aemuht ? number, the dollar us the lp information: of the suspected error, a deagripdm of the error and an tplartiom if poable, of why you believe them is an error, a If you reed mole information, a dascriptim of the hum you am stun abut, you do rot how m pay any anent in wlhile we am it, alt you Inve a od(MU ay the parts of yar that are rot question in nwaieate your giralon, we cannot =yyu ode q.tvs or talre my action to collect the t,t Special Rule For Craft Cad Pus-. If you hew a problem with to gravity of property OF, services that you pure hosed with a crsdi[ card and you haw tried in god faith to correct the problem vv. Ue merchant, you may taw the ddm not to pay the remaining snout due on de trmy OF services. You have this protection and y when purchase price was more than a5O the purchase was made In your home stem or yr - 100 mies of your IneBkg address. Of we own or operate the morcMt, or If we Rossi you the adwrthoo rrernt for the pro my or services, ail pumfrxe covered rogardlaea f_ st or I-rdon of purdrx.) Please romenber m elgh all correspondence. f Does not apply to consumer ran-cravat earn! --ts f Acs of aWy to baahasa mnoredlt card --ts Capitol One supports infamstian privacy protection: see our weblike at wirmcapkiloare.dcdoamt. 3 One Rriandal Copoatlm AN N Was nra-d mark 00tat Capital one A 01LOLBAK 1. Flow To Avoid A Fkraroe Charge. to. Grose Period. You will hew a mirimun gram period of 25 days vdileut finance cottar on new purchases, new bNartce trsnr I nsw special grMn and now other a It pay your total 'Flow Balance', in no" wiM the Important Notice, for payments below, and In One for h to be credited by your next statement dosing date. There Is no gram period m cash advances and spedal transfers. In addition, there Is no grace period m any tramacdon If you do not pay the total New balance.' b. Aoauhg Fares Charge. Trarwdlonc which arc not ahhjxt to a gram paid aro aaaeaxd Ursine range 1) from One Z. of the transacdm or 2) from the data the tmresotion is processed to your Account or 3) from the finis calendar day of to current bifong poriod. Addiuonaly, it yyoouu did rot pay the 'New Balance' from the protious Wrnq period in Kill, lnance charges continue to accrue to your unpaid balance until the unpaid balance Is paid in full. TNs means that you may aH owe finance charges even if you pay the taro New Balance Indicated m to tram of you statement by to next statement closing date, but did not do so for the Previous; mach. Unpaid finance charges are added m the a de segment of your Accost. t ¢ kidtaam Firawe For eadn billing period that your account I b ?1aofc mt I total RKA finance CHARGE1of JO 50w iBlbe rge 6p.- If Ma I" RWo file ? cation y0U the periodic charge Is idaths'300 , twaaMGl subtract thatr amount from the .10.50 minimum and the difference will be billed to to purchase segm= of accohrn. t d Tanpersry Rdriten In Fire awga. We reserve the ddt to not asee m any or all finance c hargea for any given tied 2. A blvsa0l Cadir Bader- ineWr New P ralrsasl. a. Rrrnce, charge is calculated by multiplying the daily balance of each segmean of you a:cotrm (e.g., cash advance, purchase, special transfer, and special purchase) by the conespondng daily periodic rate(s) tut has been previously disclosed to you. At the end of each day d= the bl g period, we apply the di lyyperiodic rate for each segment vote account em. It at Yr andt 0fthe the NlNtgbapedodmwe add rp the reslta f tree daily calculations to arrive at your periodic finance barge lot each sgmam. We add Z!, resta from each segment to antes at the tool pefinance charge for your account. To get the daily balance for each segment of your accanr, we take the beekini g balance tr each aegmem and add any new vareections and try pedodc finance surge calculated on the previous day's balance for thin segment. W then o btmet any payments or credits pored as f tut day then ere allocated to tvt segment. This gives us the separate daily balance for each segment of your accent. However, if you paid the New Balance shown m you previahr aatement in iV (or if your new balance was zero or a credit amount), now, tronsectia which post to your purchase, or special purdax seghhenhta are not added to the daily balances. We calculate the average daily balance by adding all the dally balances together and dividing the sun by the number f the days in the custom Willing cycle. To calculate your total finance charge, rmltpl your average dally balance by the dally pedodic rate and by the number of days in the baling period Due to rounding on a daily heals, there may be a sight variance bet-an this calculation and the amour of finance charge actually assessed. b. N the code Z or N appears m the front of this moment next to -Balance Rate Applied To,- we multiply the Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your chock in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Mondaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. The Deal You've Been Waiting For... MOTOROLA FREEjR4ZLRV3 aaeriebeteaadzyearsxKr%?d??+ - > FREE* Wireless Camera Phone > BONUS Free BluetoothO Headset ($60 VaJUeJNNA L BALL > FREE Shipping & Handling X cingular WIREFLY raising the bar-ell- The VV mkm superstore A 17025-1545 ?, ACT NOW Limited Time Offer for Capital One- Cardholders CapitalQwe Account S Previous Balance $4,962.08 Payments, Credits and Adjustments $4,963.00 Transactions $.00 Finance Charges $42.61 New Balance $41.69 Minimum Amount Due $15.00 Payment Due Date November 22, 2003 Total Credit Line $5,000 Total Available Credit $4,956.31 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-66453 Payments, Credits and Adjustments 003 SEP 24 - OCT 23, 2003 Page 1 of 1 1 15 OCT PAYMENT RECEIVED -THANK YOU $4,963.00- As a valued Capital One customer, you are eligible to receive a free Year-End Summary that rerapS your 2003 charges. Please call 1-877-412-3311 before December 12, 2003, to reserve your copy. All orders will be processed between January 15 and February 29, 2004. At your service To all Customer Relations or to report a lost or stdea card: 1-800-903-3637 For froe online aaoount swtcc and sp-d -to.. offers, log on to w .apitalone.com Send payments to: Send intpiirics to. Attn: Re dd- Pnoorssing Capital One Se-_ Capital One Service P.O. Box 85147 P.O. Box 85015 R16mond, VA 23276 Ridmond, VA 23285-5015 Important Account Information Cast your vote on capitalonebowl.com to help select the National Mascot of the Year from the 12 finalists, and be sue to tune is to ABC college football, ESPN, and ESPN2 to see this year's mascot commercials! This year's winner will be announced during the Capital One Bowl, which airs on ABC at 1:00p.m. ET on January 1st N Finance Clisug s Pkxe JK rNQfe JidefOf important iiifi"atim Bdlm,.* di P. If. Conr dmg AA ME o ? l rah PP E E PURCHASES $3,479.77 CASH .04082% 14.90% $42.61 5.00 .04082% 14.90% $.00 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. COP#aiOYIea 0000000 0 5178052278426453 23 0041694963000015009 New Balance $41.69 Minimum Amount Due $15.00 Payment Due Date November 22, 2003 Total enclosed $ Account Number. 5178-0522-7842-6453 St., Apt 3 ci7 SWW ZIP dome Fhoae Al.-W Phone #9029713561148558# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 924 WOODRIDGE DRIVE nw us s r u Richmond, VA 23276 ENOLA PA 17025-1545 m a? Inlr6tl6arIIllurlrllnlindlr,ll6uIIIn16n1lrrd6n1 1111HIMHIum1r1riduuIIddn1n1Jr1n111111gill Pill Please wviteymr aamrnt nunsbef my= dtak err money order madepa5mNe to Capital One Bank and mml in the eadoredenmelope. r FREE*RAZR V3 arerrtfiaa arM2-yewserrke apeemdd Motorola RAZR V3 phone includes: >Digital Zoom Camera >Bluetooth Capability >Buift-in Speakerphone >Ultra-Thin Compact Design Cingular Wireless Plans include: >Unlimited Mobile to Mobile >FREE Nationwide Long Distance >No Roaming Charges > Rollover Unused Anytime Minutes (A feature specific only to Cingular Wireless!) 8 0 g cy N Order Today! Call 1-800-973-0691 Or Visit www.wirefly.com/capitalone a ?C cinglylar WIREFLY raising theban.id' The Wireless superarore ' Phone free after mail-in re hote. Th's offer a tdffibd ty InPhonk inc., an authorized dealer for Ci gular Wireless. Offer ai"ect b cm61 approval er dapoail, antl k avefiable b custgrtlas adMaErg a new pile of service on a iced year conaact win Citglfiarxlraleo.Not al UB marke$ are served try l7rgular WYelesa. d you are norm a grlgJaryareless area ya wig Fx NwaMer 201)5.0 a aryfadeG1 P'ap?Iwn ?IweraldfairlilyTkfiaNrempi?fredtr?errddhocsr I gngdar trireless, LLC. f';aislnq The Iiff and fie grapric ion are service marks d Ctngtlar Waekss, LLC. gra,PYar M7reless O 2005 Cilg and tla gnplfiar YWrdess kgo am trademarlts err registeed trademarks M glgltar Wrdess LLC. . N4rtgess, LLC. Pl dghb reserved. Is- InPhonice, Ci gulere and 1A4reftye are responsible for this offer, and are not affiliated with Capital One. Capital One does not provide, en0oras or guarantee, and Is not afflbted with any product or service shown here. Any trademarks mentioned heroin am safety owned by the respective entdy. All rights reserved. By responding to this OW you may be mmmunkaing information about yourself to the company that provides this product - for example, Road you are a =1111 Ora clrsMnar. Capitd One Services, Inc. Capital One Is a federally registered service mark. NI rights reserved. p«bdc rata. To obtainythe average daily balance for the biYq priori cewrad b thk uatennhera, we ta ba¢ri bdstm of each se{rnas each day, =Y marnmew statement credits. (? (d" N all =Applied ttehed frorx yof Ittis arbtact any uhpdd Hamm Red . iaiud10 1, the balenm of each sNrnert.) This ywa s the daily balance of each eogn«t. TMrh, we add tp al the dolly balances for each = fo= bWq period and divide by to tad f in the laming P.M. TN. gives us to 'verritia daily balance of each eagnenc 3. Arsenal Par, 19 Rates (APHI. a. Tlo term 'Annual Pertatage hate may appear as APR' an the front of thin statement. b. If the code P (Prime), L (3-ma LIeON, C ICenfirate of Depodt), w S (Bataan Prime) appeera ofh the fmrK of this statea ent two to the periodic rate(s), the periodic raise and cqupsrm?epdpnV ANNUAL PUtC WAGE RATES an Va rysutad indices, as found In Th. Wadi SYrsst my Incarease, or disomasis ?? ?our»/, pica trio mngln gavl ewary diecimed to you. These changes wit ge a oo is Rau day of your Eperiod covered by ywr periodic etatarrmont eroding terharm rhea to %penoac m"* the pentode rates and m Increase, e rmapaMrg ANNIAL P or d rAOE aecease based may wry m«dsY ad may d an the shred Indices, as previously loud In Tae WdM Sbaet .loss; ess the margin effective on the the fire fine dao you These changes wiY be effectl an day of your baling period uch month. 4. Anewhhaa of Lae, Ovrlinit and Returned Paynaat Fees. Your account Wil be assessed no more than two of the face lined here tit occur dukg cry hitting period. (under the temp of your ctatenrsr ageenam, vve reserve the o weave or rot to asssil any fen vAthan yrior notI11ridrt tto .4&-A ,mvig cur right to amen the same or similar n a later time. 6. you Aeeanaht. If a membership fee dayye iron tlo data thle naummt was m ? you to evdd paying the see or to low such fee credited to you If =nod your acoounrL During this period, you may cenira to use your account vdthod having to pay the membership fee. To unc?d you aworam, you mtst notify us by eMYg err (xatarner Rdatiora Department and pay to New BeWhm- In hN lewirrding the 6. N You Cb i Year rioAeeaas. You can ?rtY to d pedad. dose yes acrnrht fry ulilnp - You can unions, Departmet. Yau mum dinoy your credit un(s) and scooter[ access lacks, cancel dl preaurorized bgang, and Cane nuke your account. If you do not uroel preauthorizod ng errne nrs, ve w41 -hider receipt oceram? Addrlonall , nohodzadm to yau a y, War eeoaurht wtti rot bar deaed unY yen fey ail annharru you owe m Inc?krdng: arty t sees, o you have eutl charges, past rice tau all =and taro, returned orts payment feu, cash vanhce any otter feu assailed .your gcaaa. You are responW6le for these amour[s whether ey appur on your ac-nt at the tine you regailt to door, the scoaan or they are iiarrrred abxgrhmt to the accoum. eer TN.may ? ve u -it in dgsrom a tt rind m v ascent Your aocant if it has already been dosed For example, if you aWgdzed a pudreae from a nrerdrnt and veer recd,. the traraactbn Tran the mardhnt after your account has bean dosed, you, accaat wtil be 4o red, the amount of dire cMrgo_ wi be added to you, aocaat, and yyoouu veil be a for payment. if there is a mernbedlp The for your amour, the fee will continue LD he drrrvpeedd to Ida edhnt tried by law, W. to accent bdence Ins been d k U as defirhed above. 7. =1 Your Asa-CY- ud or accaam carrot be n connection with any Internet gambling trsaaclona. 0. Notfae Abort Elssborro Clheek Cannvenslon When yes provide a Uack as payment, You autorize ra either to use information from yar check to make a on"me electronic fad transfer from You bank accout or to process the payment as a check transaction. When vre ram khtormaton hank Your dock to make an election fund transfer, funds may be =am from your bank acceut es soon IN Ua sane day vve receive your layment, and =,M l not receive your check back from your finatiel ulfen. BIWNG RIGHTS SUMMARY (in cam of Error Or Gusstars About Your &y If you Wnk you bfil to wrong, -If you need more Manned on a traneacdon « bill wri. tom on a aeperate ahheet ss soon as possible at the address for Ingitirka dcwtr on the front of this ..Nmerlt. We mist Ord may= I1=r tthr a0 days after we soa you the Ima Prod appeared. You ran MR our (]stoner Rdationa nnnber, bla doing so win rho pprreesaeerrvvee yen rids. In y- latter, give us the fonowfng Inforrthatm: your name and secant -IV W, the dollar emdrt of the srsPected error, a deaclpdm of the error and an etp(ahtiM R poasble, of why you believe them is an error; or if you dosed mom ink-.nor, a descriptor of the item you am unsure abort. You do nor haw to pay any amartt in vvihile we am Inwstigaa'rq a, but you am aril ob6ga?ed m fey the pans of you hill tit am not In 4neatbnh. WNIe ws InwatMna Yar gisu)on, we c= mport you es deilngtsn or take any ecrian to edlact the smoret you quesd- t,t Special Rule For credit Card Purchases If you haw a problem with the grelit of property « servime tha in t =%. d with a credit ceN and you haw tr kh to correct the Problem who the mordant , ym may haw the right n« to pay the remaining amount due on to property « services. Yw hew this odyy wforh tla puchsw punt was mom than an d tta pudsae was marls In ywr lame ante « within 100 min of your meting addraas. (If vve own or operate the mardsrht, or if vw mailetl yes Vhe advertisement for the property oreervkw, ail purdasu are -vered regedess of endue or locator of purchase.) Please remember to sign an mrtespadahce. t foes not apply to -,.center -rat card accounts t Does rot apply to orrs/rresa rroacredr -rd acteoets Capital One w pports hformationn privacy protection: ace our womb. at www,ccaaqq[[dane.com. capital One is a federally registered service mark of Capital One Rrarcid Corporation All rights naearved a 2003 Capital One, 01LOLB4K ta. (rriss Period. You vain haw-is minimum gram period of 26 days wf houtt nuance charge on new purchases, new 1100 transient, narrv :je total accordance wfm UM; Pp nor special gwmha mot or paymi«ds below, and In time for It to be credor by your ne sutemem dabp date. Them Is no grace period m cash advarcea and apedd trrufere. In sddUOnI there la no grace period on any traaacaan It you do not pay the totaI New bar.-.' b. Aoeruihp Fkhahee Ghaga. Traaactona Mich arc not arbjert to grace period are aasaseed Mande songs 1) from tla daate of the traraaction or 2) frailthe date to transaction Is processed to yea Acom m « 3) flan the that calendar day of Una wren hinlrg period Additionally, if yyoouu lid not pay the 'flaw Bdarnce trarrn tB prevfaa bit g period in trN, finance charges gerdfrle t0 acerue to yes unpaid balance until to unpaid Wlarce is paid in full. I his means tut you mayy atiti k finance doges, even if Yar P+Y Ua arrtre Newtt staBalarxxtanrann imam clo doekq a is data, , but f bu of you uatomrrt by Una ne did rat do 6o for the previous month. Urynid Mane dugee aided to to a e segmart of your Accent. tc. kihirsan k7a?hwsarrbbGlIrrgw for each bikg period that account Meal FINANCE C1(AAGEtof AO g bairpo ed. Ii do ,met tnerhm dhe msu tlr from UnaaoW-,Ion of your periodic reels) krge lase than 10.60, vva 1 subtract t t amount from the 10.60 minimum and the difference will be billed to the pundwe of?}? ceam. td Temporary Rekaeden In a 4lhnga. We reserve the dot to not assess any or all finance charges for my given z. ine period aaeaaYnp APur veaga dally laskines f by Mew NhMOwmaI.?IN e. FIrhenhce dherge is cdctdemd balance of each segneM of yanr ec-nt fe.p., cash advance, purchase, specid thnafer, and spedd pureheae) by the co espondng daily pedoric rate(s) that hem been previously depadmed to you. At the end of each day dung each aegnengo;==,m m the dellyy?balan c hcedalM ta aegner[. the bI pe, va amer dd uP the realm of dfarm deny calculations to arrive at r periodic finanhce rherge filar eaT=-1 t. We add tp Uhe reaita from urn segment to to ool penbdc =Charge for your account. To get the denyy ha?lance for Berri aegnem of your accent, we take the cegiming halarhce for uch segnem and add any now transactions and any ppe?dock finance charge calculated on the previen days balenoe for that segment. We then subtract arty Payments or credits poured as of tut day tut are allocated N. to that segrant. TNa rives u tha saperue daily halarhce for each aegaes of your act-t However, it yet id is Belmce shown an yen previous aratenent F tut (or if your new balancer won :ero or a credit amount), mhew traaxoon one Widh poet to your pareses « specid porch.- aegnhohh ere not added to the daily balances. We calculate to average daily balance by adding an the daily balanoea together and d A&V to son by the nrrnber of the days In the ammtybltiiq cyele. To ulelne your total denN ? riod?ate arhtl b ?r average daYy balarhce by the y pe y the rsanber of deya In to Nmng Due to raMnq m a daYy bask, Dare may be a stidn variance hatv+een Ws ralWadon and the moot of P. finance c stye actually eiluxd. b. If the rude Z or N aPpeem m Us hare of tliv auteme t n e)d to 'Balance Rate Applied To; we mrdddy the "Ds Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. flI - Pj?OT ;,IN^TARY 2009 AUG 21 FM 1: 02 GUM i=.- v OJUNTY PE3' NSYLVANiA Archer & Archer, P.C. By: Thomas A. Archer, Esquire 2515 North Front Street P.O. Box 5056 Harrisburg, PA 17110 717-233-8676 CAPITAL ONE BANK (USA), N.A.: IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, Plaintiff, PENNSYLVANIA V. DOCKET NO.: 09-4339-Civil Term JOANNA L. BALL, JURY TRIAL DEMANDED Defendant. : DEFENDANT'S PRELIMINARY OBJECTIONS IN THE FORM OF A MOTION TO STRIKE PLAINTIFF'S AMENDED COMPLAINT UNDER Pa.R.C.P. 1019 AND 1028 AND NOW, the Defendant, Joanna L. Ball, by and through her attorney, Archer & Archer, P.C., brings Preliminary Objections to Plaintiff's Amended Complaint, and in support thereof, avers as follows: 1. On or about June 26, 2009, the Plaintiff filed against the Defendant, and before this Honorable Court, a Complaint in the above-captioned term and number. 2. On or about August 14, 2009, Plaintiff filed an Amended Complaint after Defendant filed Preliminary Objections to the Complaint. Plaintiff's Amended Complaint is attached here to as Exhibit "A." 3. Defendant hereby raises Preliminary Objections to the Plaintiff's Amended Complaint, as follows: I. Preliminary Objection in the form of a Motion to Strike raising the failure of Plaintiffs' Complaint to conform to law or rule of court under Pa.R.C.P. 1028(a)(2). For 1 reasons as set forth below, the Plaintiffs' Amended Complaint fails to conform to law or rule of court under Pa. R. C. P. 1028(a) (2). a. Under Pa.R.C.P. 1028(a)(2), Preliminary Objections may be filed by any party, to any pleading, on the grounds that said pleading fails to conform to the law or a rule of court. b. Under Pa.R.C.P. 1019 (i) When any claim or defense is based upon a writing, the pleader shall attach a copy of the writing, or the material part thereof, c. In Paragraph 3 of the Plaintiff's Complaint it avers that, "Defendant applied for and received a credit card from, CAPITAL ONE BANK (USA), N.A., Account 45178052278426453." Plaintiff has failed to attach a copy, or any material part of, any Agreement between Defendant and Plaintiff creating any such account. The Plaintiff has further failed to attach a copy of, or any material part of, any Agreement designating Apothaker & Associates, P.C. as the assignee and successor in interest of said account allegedly held by Capital One Bank (USA), N.A. d. The large majority of the charges for which Plaintiff seeks payment are late charges and over the limit fees, the maximum credit limit being $5,000.00, and Plaintiff has attached no agreement by which Defendant authorized such charges. WHEREFORE, the Defendant respectfully requests that the Plaintiff's Complaint in this matter be amended, stricken, or dismissed. 2 11. Preliminary Objection raising the legal insufficient of the Plaintiff's Amended Complaint under Pa.R.C.P. 1028(a)(4). For reasons as set forth below, the Plaintiff's Amended Complaint is barred by Pa. C. S.A. §5525. a. Pa.C.S.A.§5525 provides a four-year statute of limitations for all actions based upon a contract as alleged in Plaintiff's Amended Complaint. b. As is evident from the account statements attached to Plaintiff's Amended Complaint, the Defendant is not even alleged to have used the card any later than March 21, 2004, at which time the alleged card balance was $4,909.09. c. Even assuming the Amended Complaint is true and accurate, the Defendant has not used the credit card in more than five (5) years and, accordingly, Plaintiff's claims are barred by the applicable statute of limitations. III. Preliminary Objection pursuant to Pa.R.C.P. § I028(a)(2) and § 1024 for lack of verification. a. Pa.R.C.P. § 1024 requires that the Complaint be verified by a party. b. No one on behalf of the Plaintiff has verified the facts alleged in Plaintiff's Amended Complaint. WHEREFORE, the Defendant respectfully request that the Plaintiff s Complaint in this matter be amended, stricken, or dismissed. Dated: September 3, 2009 By: Thomas A. Archer, Esquire PA Attorney ID # 73293 2515 North Front Street P.O. Box 5056 Harrisburg, PA 17110-0056 717.233.8676 Attorney for Defendant 3 Exhibit "A" Our File No.: 177319 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.#55140 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CAPITAL ONE BANK (USA), N.A. c/o Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Plaintiff; vs. JOANNA L BALL 924 WOODRIDGE DR ENOLA, PA 17025-1545 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 09-4339 NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER 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. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 Our File No.: 177319 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.#55140 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CAPITAL ONE BANK (USA), N.A c/o Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, vs. JOANNA L BALL 924 WOODRIDGE DR ENOLA, PA 17025-1545 Defendant. NO.: 09-4339 AMENDED COMPLAINT FIRST COUNT 1. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a company with its principal place of business located at 100 East Shore Drive, Glen Allen, VA 23059. 2. Defendant is JOANNA L BALL, an adult individual residing at 924 WOODRIDGE DR ENOLA, PA 17025-1545. 3. Defendant applied for and received a credit card from Capital One Bank (USA), N.A. account number 5178052278426453. 4. Defendant used the credit card, account number 5178052278426453, and as of July 13, 2009 there was an outstanding balance due and owing in the amount of $11,742.94. 5. Attached hereto as Exhibit "A" are the Statements. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $11,742.94 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection F/Scian, Esquire Dated: 8/14/2009 Our File No.: 177319 VERIFICATION Kimberly F. Scian Esquire hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unswom falsification to authorities. Kimberly F. cian, Esquire Attorney fo Plaintiff DATE: 8/14/2009 Our File No.: 177319 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.#55140 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CAPITAL ONE BANK (USA), N.A. VS. JOANNA L BALL Plaintiff, Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 09-4339 CERTIFICATION OF SERVICE I, Kimberly F. Scian, Esquire, attorney for Plaintiff, certify that on 8/14/2009, I mailed a copy of the Amended Complaint by Regular mail to THOMAS A ARCHER, ESQUIRE 2515 NORTH FRONT STREET PO BOX 5056 HARRISBURG, PA 17110 Date: 8/14/2009 R. Scian, Esquire for Plaintiff Our File No.: 177319 r?N CaP talQne- Account Surf up to 5x fasterwith a FREE Accelerat for the first 12mwv st_a I 1-888-587-9669 Mention Offer Code: COIN Visit www.peopiepc.com/go/coin Previous Balance $41.69 Payments, Credits and Adjustments $41.69 Transactions S.00 Finance Charges $.00 New Balance $0.00 Minimum Amount Due $.00 Payment Due Date December 23, 2003 Total Credit Line $5,000 Total Available Credit $5,000,00 Credit Line for Cash 51000 Avatilable Credit for Cash $1,000,00 At your service To adB Cuuoms Rdaaow or to report. lost or stow. md. 1-800-903-3637 For Gee oa6aeseoouatservice sad special --iner-EM, log oa toc ',Pimbne.mm Sad pgaumts to. send inqui6ft tae Atm:11.4naa Prom.ing capml One Service Capital One Sevkft P.O. Bm 85347 P.O. Box 85015 R1&moad, VA 23276 Richmond, VA 232853015 UNLIMITED INTERNET ACCESS PeopiePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by symenteerw ALL ® Pop-Up BlockerTM Spam Controls ® Smarter Smart Dialer Technology ® More Email Addresses .Mp Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 Payments, Credits and Adiustmerlts OCT 24 - NOV 23, 2003 Page I of I 1 01 NOV ELECTRONIC PAYMENT $41.69- As a valued Capital One c stomer, you are eligible to receive a free Year-End Summary that recaps Y°ns 2003 charges. Please call 1-877-412-3311 before December 12, 2003, to resew your copy. All orders vrill be processed between January 15 and February 29, 2004. F`mance Chargna Pkuemereverxirdeferimfwtaw snj6rnra i- Bd~rdr Asi.& PURCHASES SAO .0408296 14.90% S.ao 5.00 .04062% 14.90% 5.00 ANNUAL PERCENTAGE RATE applied thisperiod 0.00% PLEASE RETURN PORTION BELOW WITH PAYMENT. Capi"Onee 0000000 0 5178052278426453 23 0000000041690000009 New Balance $000 Minimum Amount Due &00 Payment Doe Date December 23, 2003 Total enclosed $ -- 1 Account N umber. 5178-0522-7842-6453 Mi npriar--T-1aJJ4e:racter--q-k_-,H_a-k1.4a ?veec Apt J - C'4 Snce ZIP nvme rao« Ahe,a.c Phone EmaaAddms #90327135611485530 MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 924 WOODRIDGE DRIVE Richmond, VA 23276 m ENOLA PA 17025-1545 ?n?tl!ul?uu?t??ut?u?{'n??ur??ut?ltn l?ut??us??ui??ut? ° ..?? Plant turiftyowaa-oantnwabrrmymr dxdormoney orderwadifrtjablr11Capil rOnsBankandarwlinthenwlwedemdgte. peoplepc- online \---/ A better way to Internet. I- ?ptppc- online 924 WOQQyOCE DPAr[better way to Internet. ENOLA PA 17025-1545 UNUMITED INTERNET ACCESS 1-888-587-9669 Mention Offer Code: COIN .. Visit www.peoplepe.com/go/Coin PeoplefiC is solely reeponslle for this offer, and Is not affiliated rich Capital Ons. Capital One does rd provide, endorse or guarantee, and is not affiliated with, any prcduct or service shown here, Any trademarks mentioned herein are scaly owned by the respedivs entity All rights reserved. By restim" to this offs, you may be communieatig irdonmetion about you aall to or company that provides this product - for example, that you am a Capital One customer. 'PeeptePC Onkns: Feat 3 months am billed at $9.97 per month S9.95 par month thereafter Offer wait" to new dal,up subscribers at leas 18 years of age and may not be redeemed vAh any other filer. Offer object to change at any lima Ph" technical support aadade for 51.95 per minute. tAeealerater is tree for 12 month& Offer good for Wed Bnr. After the fast 12 month, the Accelerated sanvfce will asomalic* revert to ohs standard Peopl%PC 0*0 sarAce. Offer object to change at amnama Wsh PeoplePC Online Accelerated. certain in page text and graphics vial bad faster when compared to standard dal-up Internet service. Actual resulls may vary, PeopW OnStro Acceleraled is arsy canpatats with PeoplePC Online hWnat samce and spailled Windowa0 browser. PeoplePC Online Accelerated is not conpaible with Wodowsla 95 with IE 5.5 SP2. Service not swab* here areas. Access fees, taxes, and otter few and restrictions may apply Telephone toll charges may apply, even deig trial Wcda You am respombe fordetamining whether a call to one of our access number will result in Idphotw toil cltagas. Access may be limitad, epsddy during tena of peak usage DA-up numbers may be changed at PeoplePCIa fscedan. Continuous use subject to aneout procedures. AN use k object to PeoptoPC Odnds Sorkes Agreement and Acceptable Use Policy. 561( Is the maurnrn speed of service; actual peed may vary. 0 200E PeoplaK Inc. All Wits Reserved. PeoplaPC Online and Its logos as trademarks of Pwp%K In the U.S. and elm ca 9mm 0 2005 Capital Ora Se vices, lino. Capital One Is a ttdo * registered aeov'ics mark. AS rights reserved. 8 O N 0 n I flow To Avom A Fhrre Chaps, period orove f& have d mm p d ew d td Wti w g P y pododic rats. To oburh the aveartaagnesadaily blonds fa tM this u f e?id nata each da add?ar rrw Gl ra d rx modem If k has already bean do" Fa example, istwWv???adzad a hen Ue tnadtraitec a our sas ee, n syv mo r a rr e 25 w ut - and new ogrer belata usivelan, trw pacfa at lch a o r 7 Y, Y b onch fie and subtract arW paymaw Y account hm boon clowq your aaau a YM be reopened, - dmW H you qY yes total ' vorw Baancs", In n b M l ! N i or W. (if else rnft N WP M$ on this hat of Ws a Rea Aoo/ed To wo abo t et d to "6Ya a to amount of this dpie MI be ~ to your accent, ad men H errs Is a ev vN be ss onsNS for a Payrnas a m, aswMna wmr t r important ot ce, and In *" IN It to to aadted by your rum Kaarrr. % an no m . c s abaaa any upold Bnaahes d-Wo fnt?ded In"' , aaeo p p y t r maroaasp tM for yaw scocoM 1M M sup coed" doig dam. There is no grace Paried on Cam advances In adddon, srw fsm 9 Periled a nd aP+dd trmdKa. of each This viva us air daily bsloros of each VW HM ThM wo add d air ddal?l?yt baWww for each u p -p?, m ter adatt pemitaad by law, vsY der ve be of aaauat batirius has Dso1 Fxad h 1J1 p deemed above. mom uaronatnin H you do not pay line meal New " sopsrsm fa do b-rq p st pa ad ell by the tad bd Thi l f t 7. Utsaaifn?g your Avaout.You curd a aecaan carrot be dI l ild h bli blocs. b. Aoatiq frees Change, Traatabrr vdedh are rot subject m a grata pascal ere cawed 9rhahos dumps t) s g ow us ranba o clays In and trip pse . o ally bslarce of each wpnarrc 3. AM atareage Rd" TAPIR. uoo n arana an w s any ie not gant g aaraalorr. 8. Notion Abet 0. airs ea Chak CKwrsen When you foes tha dated tha trawctlah a 2) hoes sr drte tM traoaNm N pp?sssd L Account a 3) ban to a. The, teas "AwaaY Peronmgs RK." may appear as APR" on alto hat of di wamn-st provide a check w poyn-l, you wdpdss u amw m we hblmatln hen yes duck so make a artlme li ? erbtdsr day o1 rive wtww Wgnp period, AddtfnNy, rove; b. H 1M code P g'dmo), L 0-ma UBOR), C (Cerdgub of eMct alc Md traverser hen yar bonds account a m If rid not pay the Now Balance from the pmNars big PKbd h 14 *wm duargn conessus to aeenr m DpodUr a 8 (Dadwrd Nand appsers n air hat of tti atatem 8 not a 1[r podWic, bMo6c TES E R prima dm payment as a duck trarwtlaa Won yr toes ilanmdn hom yam ctrek to make an amcuMc f d k your upon blaun tn1N M upald balance Is paid In U Thm msoo 1M1 ou m1yy ati owe il-ts cMrgw, own l1 y w = A race a and /W may vwy 9 +? may tease or deeaaw based 7h f W o my be wkldravat fmm Your bati Md trans er, N account as eon pits vane day we re olve your od n so hat err n Now BWnce kv t rou err su ad your staueroers by she teat ttatannk daYg ate, lain rid not do so fee ern praNns mash. Unpaid linos dotes f A v rt dded s s M Sroar on sr stated ktdcea, a oul In ly ledonsd m yo s. Jouaa4 Pis air "Ron =: TAaw drrpst will be • an iM 1ht 6y of yam r d ?c sutastwK adr WY abd ow d b our =%=. Yet vend rvx medN Your dock back flan frdd.icru & W N(a Po(MiTS SUMMARY vspnem o y ur a ur . are a m o r =I;or each beeline, period liven. h t in q g p y y c e " "N"si Joesser v Jp J y L)b d _ Your 50 (in Case Of Drore Or Quesdona d I e, r Qa voter eal F9IANCE g0.50?wN c l b t p wd 1l m p A Ali t she co . F LbOR R k iced rt des fraant oof VOW eepr latSuM -mo. y ou mom s itomrsdn m a urosead nn, ar bile, write vo dw r ? s tlrg a e s y total iniunce voio Mt d ef M l M 60 fV raw* do perio rates, ? y ? *operate dew - scam A ad dva.- for d ho & s" n- peele ats w6 and the dfssiorca wA be amount basis to tha era apnat M axanl. W R a lb Ft h l d T pr ry maw hall aMmry ihensr dmmaso bond the fused tndeaa, so cud In, The WoN Sboof -Ibor W, pus ea TMas dhrh os she h lo il , ds J md m Iwr hen you no m i dos * Ntar vw an K test live n hdirJn do arner or pro Wan appeared. You can rep our C oan RdWar nxh r but d wA t k a rrw gnaga. o resavs t e a r n .mPeray a t right to not sasses arty a and finance dupes for cry gNen ar g marg us y t r a wM be oft an the IYat day of vat bang period , u x m a a g o no prasenw yes taro. In Your sent gm ra the fdowkg Da6g pieced ouh tr-d• , Inormetlort yam rota and aeoont number, this dollar 2. AVraga gay t1Wnea (kWrlhp Nrw .1. 4. Aaaaawt of Lat., Ov~ and Retained Prymrrt Paw. enact of rho surpeead smr, a clliptlon of d. s. a. Finance dur0o is calculated by mu ldplyhg du dally f ( h f c Your aeoart"be ueassad no mere alum two of th. fees tl c doi bi eriod tinder th ve t d h u n s and an oOlwdoo, I of vul y you bagavo ftm Is rro In da f r R u mo de i tion a h segment o yAur accout s..0., cas blares o ea advaw, puntlwe, peril usevoor, and pedal purrboost q a y d p s e rt o c r i ave tame of your artanhar vw renews tM dgM to n e r o yo o scr p , o R s the lure you row unaas sbou. You do not Nov to pay any by she conepoaeg daily pe"de lam(s) tut has bean h day dtlrg nd di l At t f ea 4 s d s w?tlaut ode rnodfratlon to wdN a not to saner any few are dart b asset the arrha or "I., wASr t vmh* arrant h nMhar love an k?.tldssrhd k. bur ycu eve wN m ss erm W mor hgf srtae ra l ? aa sc ose e you. o pm y o a c account 1. she b q oark4 we apply tlr ddaetiyypsdode rail for each sagmart d ? q . al a our tlrna p y p ar In ,+wWa4 i we hvealoaw your asdlon, hwo cease a ales rhy action m wg.C tlx TM at she ond of tM WMg pe", we add up sogment. d e l l d n t l f h ll t apWsn m to from of th statement, you luw 30 da s h h d se tits stasonwit ras malled to ou to you question, a y n ypr es o a on o an w o wa t ose a podofe tarts durpe for each segment. We. rq the y y am o avcld pyy?hhgp the he or to hm otdh lea embed b you bA al i ri d i t,t Spedd pile For Credit Card Ptdwos walte fan esdr asprhrt to amlve at the total P+riado e, for our account To go the dtly, balance mace char your aoeounM V s pe o , you may N vw at ho armies w use raw aeewt vttho t hsvfg to pay the . g y for each sopr-t of Vow account ova tats this bsyrvtrq balance for each sspsmt and adj aarryf row transactions maMarlsp fee. To canal raa+n+tH, you must no" us by edkq alts Qratawr fehdar Department If you have a proDea whin the, quality of simpaty or navkao sue you wills a sxgt aN and you Inaw treed h lent te donee so Mbktn wkh to and any padodle burs Wpm caldlstsd an do previous days t for to sgaat. We thm odorant cry and "New Boom- In lea fnaduding so tee) prlor to the and of to Wrrydny period. rep , ypa my have sr dart not tapsY sr wmrtnahp snneatt 6w n to pops a wn(eeo. You Dave 01m ? promote or creche posted a of that day shat era ...d to thn sspThis give. us sw wgrm cagy Mann ou m th si if t i f & N You CMo Your Meanest. You can regain to alma yyoavr awhrt by cWb* our Qw-ar Rdasao oast destro our awk eareffe) and P n t Y prmwcdph only ydwt tlo judrw ploo was mom ern $50.00 and so Puniww wa tna6 In your former Kam or ca owsvw, m sagesat o yam accen. y e o sw New Blonde down on your pmlam smtemat In kJ br e p ma . es y y aooanl aeuan dudu. carrel IN Nsa to odsed bNOg, raisin 100 mks of your malkg adxkwa of ws own a paKS she mKd-d, Of If vw nerved you sr 11 your new ballade vrea taro or a craft amaaa), new tratuatlam Wish peat to your pwchw or special and ceaea u4p yam aeeaat. H you do not urcd preadholaad WNng +rrwgasats, tN vY mrdder sdvepsanerty nor sM popKCy a 70ove Y -he w ors wversd rsgarfoa of mtastt a bcaujas of µtNree.l hose, sapnorM aw red added to the dopy balarcae. We nktiu err avKaga deal Ddarca by adding all the dolly roedpl of • change your audulndn Is voopen your scream. AAddtensfy, year scoaaN vii not be decd anresparhdwcs. poow renrwtDer to sign all balanc?en togeriher and dNdrq tM sun by to n enber of sr days in she aawm big cycle. To calcine you till utp you par aN rowuu ycu owe us icluc ng: any frrr.edau yore law ausnexed, *w chaeg", past t Ddoo rwr apply to anooNeer non-aadR save seeornm franca charge. m11?1y Yam awe W dry baWcs r?,.5,,,U_u? defy ova Mal Dar rile mealier O} dye h Mw wr9 f t D m s b d due 11- owMhH oea, rammed payment oea, cash adValnn era and any Otltll bus aeseaad to yqr rlW 1s. s ut Ars Y s t Glow not Pp/Y to e.0-- acer cave --ma, a e a pie Duo toraah rq on a u y oo , um may aadn oven Istwean W ulaid.n and tha amount of W d i t ll aoeant es row rapa S hoo ano e w ur bay appear n Your acoout at tha tin. yyaa++ esPraat to ehbso s s row Incurred wn b d cc t or the tea Ow supports; htamodon privacy pmoctim ere our e K wow.pplWOn can. rap ac y awar . -ts ua G H the Dods Z or N appears on in. two of 1Nn smtm-t g os he a oun y yam rogred to daea she aaavut TN. maY wsJt h copilot Ora m a fsdKaNy re?KSled ssMcs ma M C.WA nns I* 'Balance, Raw AppNed To: -o numply the larx;0 so-cm :herpes drq on yam arrant alor you haw Orr Rnhsnndal Corpoatbn All ntdncs reserved 2003 CopIW Orr 01LOLOAK 3S77 bnp.rtat Nolbr You psymax vM be rifted to you attar[ as of dw date sus tecaive k provided you cad the boaan patim of Wv mutamat and your duck in the oniowd reaitunce orweope, and your ppaayynnnKt k reaivsd re err prowwkg esteem by 3 ym. Palmer aukkeaaal w WVY(jia a Oeoryla prowaiq cater mot be txJvM on a budnws day by 3:00 pp - Er. Payne to aduewd to our Wad4gton Processing arcar hurt Do moeNadnoon . business day by 3:00 pm. PT. Please .lbw K boot ft- (6) bowers days 1s. petal deWay. Payorns waived by we at any odor lucatim or In arodnr ham may not be credited tlr sane ay sus nocalve them. Our bu siroes d.ye am Malay [morph Satuay. exclufng holidays. Pleave do rot use auspice, paper rips, ac. when prsperi g your pam-u. P'peoplepc- online \1-1/ A better way to Internet. NJ Surf up to 5x fasterwith d FREE Accelerator for tho l'vst 12 monthst-a s6o value, 5 7842 1-888-587-9669 • • Mention Offer Code: DIAMOND Or visit www.peoplepc.com/go/diamond UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: 19 Virus Protection powered by Symantec- ® Pop-Up BlockerTM `I j Spam Controls ® I Smarter Smart ?Dy_ialer Technology ® t924 IAP1It Ves ,ow 4N4Nt&R&19WVA&kSg Capita!OW- Account S Previous Balance $,00 Payments, Credits and Adjustments $.00 Transactions $39.00 Fanner Charges $.00 New Balance $39.00 Minimum Amount Due $15.00 Payment Due Date Febawy23, 2004 Total Credit Line $5,000 Total Available Credit $4,961.00 Credit Line for Cash $1,000 Available Credit for Cash $1,00100 Atyourservice To call Customer Relations or to report a lost w melca card; 1-800-903-3637 For five online soceam sarice and special astemer o8e;s,e 4 en to w .apihlotecom Sad payment. to: Saed ingiuries tae Attn: Raniuana Proces"t Capital One Sarin Capiul one Sarinn P.O. Btv 85L47 P.O. Ba 85015 Richmond,VA23276 Rkhmond,VA23US401S PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 DEC 24, 2003 - JAN 23, 2004 Page I of 1 Payments, Credit, andAdjustmcn , Transactions 23 JAN CAPITAL ONE MEMBER FEE $39.00 Finance Charges f Aj Baf arrl, PURCHASES 5.00 CASH S.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. CapitalOw 0000000 0 5178052278426453 23 003901 New Balance $3900 Minimum Amount Due $15.00 Payment Dae Date February 23, 2004 Total eaclosed $ -? A cwunt Namber. 5178-0522-7842-6453 Pl=eme re Perre ndee fffJ,miewma iafirma m ,+dr ?dPR d ?? .04082% 14.90% &DO .04002% 14.90% 5.00 0.00% )0041690015007 A'rmrpi„enw.7lnd.dbva? r-.,railr6maerhbv.winrH si/w#ircE Seat U7 Sarc ZIP Hon, Phone Alu:mte Phone Emd Address -? #9002413561148556# MAIL ID MMER Capital One Bank ° JOANNA L BALL P.O. Box 85147 111111 1111 ,., 924 WOODRIDGE DRIVE Richmond, VA 23276 ENOLA PA 17025-1545 LrLIrtILr?LIItrtLlLdlrttllndLnl6Jill u1l,td6rtl LtrllLttllLrrr?Irlrlrhill l661ninlr61uroil lt,1111111 Please witeyouratroerrrt narynberoa ymv rbak ermoney ardn madePayable1, Capital One Bank and mail in thyml red eeewlapr. r peoplepc- online u A better way to Internet. UNLIMITED INTERNET ACCESS 1-888-587-9669 Mention Offer Code: DIAMOND RUWor visit www.peoplepc.com/go/diamond PeoplePC is solely tesponside for 66 offer, and is not affiliated with Capital One. Capital One does nal provide, endorse or guarantee, and is not afRfiNed wiltk any pmdrA of service shown here Any baderrurks mentioned herein are solely owned by he nespectve entity. N rights reserved. By responding to this offer, you may be commuriradng Womwhon about yourself to the company that provides this product - for esampk, that you are a Capital One astomac 'PeoplePC Online: Frsl 3 months are billed at $4.97 per morah; $9.95 per monk thereafter, Offer available to new daliup srsaars at least 18 years of age and may not be redeemed with any other offs Offer subject to change at any time. Phony technical Support available W 51.95 per minute. tAcceleralor is fore for 12 months. Offer good for limned time. After the first 12 months, the Accelerated spice wig automatically revert to Be standard PeoPlIPC Online service. Offer W*d to change at anytime. Wnh PeoplePC Online A.ccd&'BW. certain Web page toed and graphics wig load faster when Compared to standard dial-up Internet service. Actual reeds may very. PwOePC Otbu Accelerated is only compatible with NOOK Online Inlernetrenice and specified WirdNAS browecrs. PeoplePC Online Accelerated is not comp Bile with Wird"A 95 with E 5,5 Sm. Service not available in all arm. Access fees, taxm, and other fees and restrictions may apply. Tdephane tall charges may apply even dwtng trial periods. You are responsbie br determirrgwhNher a cal to one of our access numbers will result in telephone toll charges. Access may be Imiled, especially during times of peak urge Oat-up numbers may be changed at PecplePCs dlsaMim Continuous use subject to ImeaA pmeed res.N use is subject to PeoplePC Online's Services Agreerned and Acceptable Use Policy. 56K is the maximum speed of ser&K actual speed may vary. 0 2005 PooplePC Inc. Al Rights Reserved. PeoplePC Online and its logos am hadenar s of PeoplePC M the U.S. and other countries 0 2006 Capital One Services, Inc. Capital one is a lderaly registered service mark N rights mowed. 8 O O 0 2 N 1. Hew To Avoid A Filsnw Chugs. to Grass Period. You will have a mkinun grace period of 25 days wWwm finance dra m peas xd sa nsw podo6e rw. To obtain the average dopy bNrw for the dNng covered by this Katw= sus take the bY f your oocaaw if It has Nnady been closed For puoplk if you aW[orized paclrss from a merchant and we L p . bsNnw tnanoNn, rw peal phaetraea arq new suede elite yoc wY your W W fNw l4olarha". N 4 stce o each ailment dry, add any nsw Pons to each ace M[raet W% ynhsr?sa or aWO. (If VN code appear m tin Nara ?tNe to at. tits orana don Nan the msrWra afar your aecaaa has bean abase ygr acseur "M Ira rsopers4 th f d a witl[ tlr krpmsn Nola br paymsnu babas, aed in rte for h m bs ererawd by yap ern suiamem awumsn[ reed to -Balance Rots, App Nq To: w+ also aW- av u ld A l ' ( J f - e amass[[ o o dWgg WE be added N yo r WORM rd yw rut be raparON for paykhwa. N tam to a uioairq data Them In no grace pedod on cash advances and special Usuders. In addition, them Is no Quce period y po e astic nr ua n ed h the balnw of each eayrha? This gwo v the dW balnc?e of each wpnrr. 71rn, )we add d de dray bYaMnps for eetlu marbsnMp M for you acwd, far fee w11 owdnw to be ta the ersen[ iltend by low, uma de aavua biarcs Nc bean g 11r r dclkhsd above on my q r o dm if you do not pay the total New balance. o+Vt?t fad and dvlde by tie total I the bd TH . 7. Uaihp Ynr Asaa.Ym card or accaoa cannot b. ? b. Asormkq F7nroe Ghrilw Tnrraioue which are not b to a rass eriod answered a 1 d n o dyPP u the Ps ?vwage rialto helrhw w each wpnrr. 3 M t In correction with any Yaonhs 9nttbNng vssed g new ) ums, orn the the p or 2) from the data GN from data at transaction Ue . nW P. Bate IAPRI. a. The bra Anw'Anwl casage ryNr my appear +s Alamo 6. Native Abet FMa psy ona.N you Conwrolm suds rks us it you. provide a Leek as you suit p sMs to ': poo ed a m yaw tat or list akwu dsy ofnde su b psaod3) Add*-dY, if old 'N t B A front at b. If the code P Wdmo), O? 1.18M, C (CKdtCaN of o use , I adon a your - mks a aNausYe Ned t[snlcr?from W bw* accaat?or, not pry yyoauu o ow alm Nam the previous brerq Word IM, M, it.. charm wndrare m accrue to your updd balance until the upeid bYrres Is paid In M. Dspoel[I, a S Prime) appsan on the itont of this atatrrm rem m N psodc medal the pslodc ran and cams"" tap MMUIL PENCEI{TME NATES ? yo a elyd[ vso make on wambn Wits[ k; hid trsrM hidfft?ffl e aNW b ithd I & • "MM VW you MY ail air frrhw Charges, Ayr If you pay the ssin Now Balrw Maud on the from of yap atatemsm by the nwd statement dairg Was but did may wry "-Ift rid may klLreaea Of decrease based r he aatad Indices, as found In I hr WN Sheaf rpaeaf U y y e w ravon, rmm Voter bw as aaK M Mla1 as the erN day we IeaiN your pa ad you wlI not rsaNs your cheek back from , not do ee for she pr vkRn amid Urpald ansae eharyr . ha may , An n tasclossd to your Thee dwq- WIN be on the free day of your kdedrim. YDttr ==T=For gnsm ud Yo r Acoasd. t a each DAR ggsMW tit[ ffaccownt ssv??say,y miiim o ? bike pModcovered by ywr pslo? suumswa smig I. the macho ry Aq6, ,)udy_pcyopsr. Jrmr (7 l) c. If sho code mo. BILUNO RIWM SUMMARY On Core Of Erna Or Ourgae About You Bice If mt tal FINA14CIE CI ME f 06 mrpasd Wall Irtaw dYrde rerNNq Nam the appgeadm of your n , ?) wNon d our eul m al mdhe dm t a ttransact ke[ W wdt& to u m a un 741.60. we vA auadtset Wt periodic =V ' anr rlexr N Wodc e ter POICF)ffAOE RITES and AMaL1L maY ta al as p o w at do for Inquiries slwvsh an the hen of this statement Wo rout , , amount 60rrpdumkireKmr and the difference ,11' be ardert d purchase It Fkrneeel_yar aaanl. Temporary, R er t d s Ws ro s e h wry _ k . or dsoore bred on the mated haler, r fond In The Wd S6mat Jourr, per he i . hoer hoar you ro later den e0 days after war set you do fast M m %hkh do air or grdaem r You g s v t e right to not arw MY or AN NOW" dvmpsa I. any given ?q padod t marg n y dsdosd w Thee chanh0ea ? ~vs Orr the first dW of yot;= gdod ail our Customer Nations neater, bur r y at Yur do" h vow beer, dw us do labwN9 ? 2. Average Day Babas (Ye?kh? New Mdea.sl. a. Renee dome Is col!" d W tam d rl b the dail 4. Assrrh.nt N Lakti 06-1" rd BamanW prymsa Face. V 4p he on yaw rare ard account number, to dollar rhaam of [its rrpeeud rw, a daPn1; " of de Pura i y g y balance of each suhn of yor account (a.0., ash ar accounn w assessed no more dun two of the tam NOW MN [het omu during any b0 Pte' ref the and r ? a14 you s lp den b ¦ obloaorithorh or r error err N you mere don advance, purchase, spacial transfer, and special purchase) by the cwmq ndrq daily psrode rneb) then has been pewdAouaay dadooed N you Al the and of each day tern of your customer vwds or net to Assets nW w?Ma a" r loaiian to a uith u i ir r h , the im h? an unsum Oabedto; w ,so not hrvs to PW any or , the bOW period, we apply s ho drily parade raw . aarh s f r t ro wa v q our pa N asrr t e sree a almiler at a Isar Anna an si emd m In ir F °r am e var your Wastion, ^"" ° e egmen o you aoeama to? dalh. belanes f ..Z dr sspnam. Than at ths she d sw hiBdq peMd we [p 6. You Aamo ns. If a memberddp foe appson on the ham of Olio s u m 30 h roP°n you r ddngsn Of u to ab t d r , the pasts Of tlrr daily celalatlsr to ardor at your e, for each se periodic Ifinance char e m W dd h a ns , you ave, days from 1e ds% tii statement was aulNd to V. to amours you gum di g p a . o a up t e 1Ftrs to arrive at to total periodic ++ avoid pa?lr?o the he or to haw each fes credited to you If you-eaiw?l your aoca rw O uir tli ri d s, pb For Crud[ Can Nrdwr t Special your lance charge M account. To get the day baton: for each egnrt of your account, vas take to heglndrq . q pe o . Yott may account afthatat cmtNmte to ura your your aeona ling t mat mernheralap lee. To eared ? If Y+tt havea pnoblsn with the Walley of property or balance is each eaOmsm and add prryN new tranaetloro and any amrw do- colarated an do previous ndN W by csalrp err Qrtanr Ndstlrr Dagarirrrm and Now Belem- In M WWudrhg the Iwve Wed in g o comet pmbbnh with 1M WYe bsf la sus aepnrt. We the sapraa rW d ==4 prior to se and of to INrtydry plod. "eslen• you may have the rf/nt not to p+y the nmaWrq o ert ? duo on dr k Y Pal WA M or en s posed as of M Wy dub an a6aaud to teat saarnn. TNa lass: u the aepanw difY burros & N You Class V- Aeesua. You m request is alp yap aetaM by -eland our Customer Relations pr p y or -rv ea. w how We Pr - 1 nit = pudha a Dew wr mom than .%- for each ++Om+n of yew aoaurr. ewasr, N You paid the Haw Balance shom an Yaw preNONU na[rnam In M (or eD ponnenc ycu pet destroy you aedt )sal aoeare access eheeb, ants w posNnIzod 6lWp 0.0 0 d A50.00 and rea was made In yaw home son or p edWn 100 mess of your '*V adbrs, or we own a It your new talents was zero or • yea amours) new transactions which PON m your prddw a W"i dd r h r h , r,d area yap aoeant H you do not eanhcal Meauhoh amave nee", suer wit consider worm the maw"o, or if va mMd you to +dverdssrrhsr far to or ssvloea ON pwgNeae are "red ase segments are rat a ed to the bAsOoes. pu c ase pu c the do akuiN to asraps dolly bolas by add p of NY we receipt of a durga your authorization to reopen yap acco nL Additionally, your account vAN not be fiord or padwr.) f rn?^ +RrN .1 conrpamisw, o ballarces tlw Wye In Mr curraw dividing the surn rent billing cycle. To ulWthe at ?r toof r faN tal Ytw Urd 1, you pay an haanotame w sutMzed, atince charges, s, past ir anraaettorr Dona not ayyv/y lo trersrrar non-ezaoaf card sccadMa t lrhoe lungs, awl your eras by WIY a nN sal by the nu r of do" 1. alas b716ng term" advance?t any cede bar i redsd N yard to z Dom mop aWy m Moo- men-asuN cad __I, to tsutdag m s Way Meta, rose may he ¦ alight wraroe hetw.wr tNa nlcurnlon and sw amount of anr,w alas +cmrNY aeaered atcouant. You an rayadMa 1r tier = m %ho r = they appear m your atco r at the *-== dose the ee n th I d It' C+P? Oro +tpPotto kdonnotlan privacy Wot+cdorc eras our wobsko at www p kW b. If de tbde 2 a N appers m de tram of Wo wtsnmz oma a ey am ncurre . yap regales to dose the aeaur Thi ult I p . cn@ am. Capital Care Is a WNW rs?oywd service k f C k d hex[ N 'Balanp pate Applied To: we nmitlply thte . s may res t, durpm ring on you aee aad after you hew mar o ap CorPorathon AN dd[u rearvvd s 2003 One Fhav closedlortramccerinatif Ons B,AK m?htswNnbe: Yap re payrnsnt wed pro endtd m accour m of the Wu vre realty 14 Prewd+d ytru send the bo[osm potion or W o ouament and yap cfeek In the arched swrolops, rd Was ppeeym.n b nsceivsd b eras procrdng soar by 3 p.m. Poynwnts duerd m ow Vfryhw a Orryla procssrq osmer onus bs reodwd m a DuWfsae by 3:OD p.m. Er. Paytnwrs adde.rd m eras Waaltirgm.u proceshq error rear[ W neoolv.d on a buksr iy by 3:00 pm. PT. %sre allow s Ms Bs (fi) bukwr Wye Iw panel ry Wawry. Payms[oe nsaird by w r arty ouMrr bc+tian err h rrher dam nuy not be a.dud tle arw Wy w. r.wM ttwn. t),r brrebheos Wyo an ark tdy tMouph Satw4y, exiudrq holidays. Plsar do not ure sapba papa rips, cue. wArn peparkq yow payrnem[, yrhtn you acrd w a dwckW, you sntndzs a m meks a orstlms ebetrode trerwNr debit kom your W nk ataaaa for the antoua oI dr dedd. ThN wdwdzatlan appMs m dl dweks nedved 4rfnp the bilnp ryde even if set by aomsoro Mr. If we annot prover alas trtrwfer, you auntedz. w m make s dwrpa apoirr your bahic scooum using the deck a papsf dnN a der [am. Now with FREE Accelerator • for the first 12 monthsa-a .160 value 9 7* - e month for / a rest 3 months; 59.9&mo. thereafter SIGN UP TODAYI *1zMR,087-9669 WDRIDG Mention Offer Code: EMERALD ENOLA 70251 Or visit www.peoplepc.corn/go/emerald 003 peoplepa- online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers. at half price for the first 3 months! 0 Virus Protection Powered by symentec- ® Pop-Up BlockerTaa `? Spam Controls ® ?T Smarter Smart Dialer Technology .132, [W More Email Addresses ® I Internet Call Waiting CapitaloW, Account S Previous Balance $39.00 Pa? Credits and Adjustments $39.00 t $.00 Finance Charges $.00 New Balance $0.00 Minimam Amount Due $.00 Payment Due Date April 03, 2004 Total Credit Line $5,000 Total Available Credit $5,000.00 Credit Liao for Cash $1,000 Available Credit for Cash $1,000.00 Atyourser-Aw To afl Cuatotmer Rdacoas or m report a lost or stolm muck 1-800-903-3637 Fwfiw online acoumt swim and special antoimerof^ Log oa so: w .cgiwnnacom Send papnems to, SendinTilriestoe Attn: Remittance Processing Cation savors Capitol One services P.O. Bon 95141 P.O. Boa 85015 Richmond, VA 11176 Richmond, VA 132854015 Important Account Information This month you will receive your 2004 Guide To BenefitR which sets forth all the additional benefits and services you may be digiible to receive this year. These benefits and services supersede any benefits and savieesprovided in your 2003 Guide To Benefits or other additional benefits and services previously communicated to you. Please read and retain for your retards. v PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 JAN 24 - MAR o3, 2004 Page 1 of 1 Payments, Credits and Adjustmcnts 1 18 FEB ELECTRONIC PAYMENT $39.00- Finance Charges Pkasencrev ridcforimportantinfmwswion Bdmrrcndi AviwGr ?rJfs ed APR (?? PURCHASES 5.00 .01082% 14.90% Soo CASH SAO .0406291, 14.90% $.00 ANNUAL PERCENTAGE RATE applied this period T PLEASE RETURN PORTION BELOW WITH PAYMENT. T Capita Con 0000000 0 5178052278426453 03 0000000039000000005 New Balance $0.00 Minimain Amount Due tA0 Payment Due Due April 03, 2004 Total enclosed S -J Account Number. 5178-0522-7841-6453 A?.s, pe:w asr.,g.dlre s,rd e. e,?r.e.,n, ?.,a:,YCb,, e. ?r..,r• ::..t 0.00% se,_ Apt 4 C,y Snx ZIP Home Phone Al.- Phone #9006413561148552# MAIL ID NUMBER Capital One Bank s JOANNA L BALL P.O. Box 85147 111 w 11 m a 1 u 924 WOODRIDGE DRIVE su e Richmond, VA 23276 `m on_ ENOLA PA 17025-1545 a Maur wrireyourarmnnt nwnL.r myew rbak or nswuy order seadapsyadle to Capila/Osa Bank and mail in The calmed emnd9te r peoplepu online ,--./ A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peopjepc.conVgo/emerald P64)WC is wady, rresponsible for the offer, and is not afiNetad with Capital One. Capital one does not provide, odr n a gwwft. and is not aft W Wih, any Product or service shown hare. Any badarnedn mantiored herein are solely owned by the respective enlby. M rights reserved. By mspw*q to thb offer, you may be mmnaicating tnlamadm abad yourself to the company that provides this pmdxt - for exanpK dw you are a Capital one customer. 'PeopbPC Mina: Fast J months am billed at 50.97 par month; $9.95 per month thsaahe. Oltar available to new dial-up sdwihrn at Ind 16 years of age and may not he redeemed with any other olter. O fa subject to diange at any time. Phone lady" support makable for fi 95 per mimrte tAaderaw Is Dee for 12 manMs. Olie good for limited time. After the Rest 12 more ts, the Acce:eratsd service will eutomdk:dy, revert to the standard PeopleK Mina service, Olr skied to charge at anytime. WAh Peo*K online Accelerated. certain Vkb page tend end omphies will bad fester when compared to standard did-up Internet service. AcbW srhdis may varf. PeopkPC Ordiw Accelerated is only compatible WM PeopmPC 0" Internet service and spmried Windowsill brorsers PeopkrK OnNe Accelerated is nor compaill with Windowse 95 with E U Sp2. Service not available in A meas. Access lees, lawn, and other fees rd restrktons may apply. Tow- tot charges may apply. even drelng trial periods. You we responsible for determining whether a cal to one doe access rmmbers Wl ravel in telephone toil design Access may be Irrihd, especially doing Ames of peak huege. Dial-up nwb&s may be dheged C PODOOPICs decretba Cordmmus use ssbjecl to timbuA procKkaes. All use is subject to PeopePC wine's Services Agreement and Acceptable Use palry. 56K is the mehdnarm speed of service; aebrd speed may vary O 2006 PN*PC Inc. All Ff#b Reserved. PeopiePC Online and its bgos are trademarks of Peoplepc in the U.S. and other cotnbies. O 2006 Caplet One Sarvlpe, inc. Capital one is a federally registered service mmk Al sighs reserved. asap - 1. Fb vA f7rpw to u vvi8 haw a misimmo r d f i periodic rate. To obtsh t e average dilly baWw for it* 6 Year aawt If It hp ? been g ace per o o /nonce cu on stew padbsas now ffl 8Yg oovamsd by ilia art, m take tM bbelanee f c If you aWndaad a ga y fra n , paler WXI other o ea h agerwqs day !rid my new rpn om tf» marts the c b an fr utetdntr alter ow I h yes V 'N!w BYana' In VCQFdKMkn f)r ha ortar Nods for wLaM b l t tM aria appwt an tar fiaK ' een saws haa eart closs4 yore aaarc veil be. reopsrr0 tM lmw of tM carp vii be addp [o yam aawa % aa? p p paymen e ow, s and In *w for h to be Credited by yam naa estimate dodn Gw Than b i d ausmatx trail to Balrra Baas Aid To: vw Wo ahberaet any wWdd Imrce d-ga'fhek WT In tM bdaha , ant you be paparyts br payrthana. q tlssrr b • maaDaalip tae for A ? ? ores cere4er g . re. grace per o on cash advances rd epsd&1 trrrbn. In addition, then b no Q.r+p+ period ea rh tr r W If d of each ape- This Om w to dal beWhce Of each asgnant 7M2?vn add tq all the dNy Daersaa fa sect w be dterpsd, w f wm: penittred kv ki by ldaInad above accouu Diaries Ins been ? y a ese ah you o rat pay to toed New 0. Aeauitg Fkhesmea Chrgw Tranraaker vvidch m not segment for fvare bWq period ad dNtk by gr wool mn les" gives w the dd n I bd . 7. Uair Yes AowwrtYw cold or a mans came be u wf wh in any, kternaf gmNkrg shAn)ac1 w! Aaoa paced an assumed 1lnncts carpe 1) tram it dn f i n e V rw of eseh lips water-Re t 3. Araamla- PreeriOga Mtaa IAPRI. ' tr B. NA6Elaatroda Cheek Oowvrabs? When ou a o ts ttr-clot or 2) hen ft dm the aft l Is vroaaed Is ois Ac ? !. The tern Arad percentage Ras' may appear as y check. pays-K, you +Wpdze w aMtx to = __ h a V cam od ?a hi iMY, it yyesou ? not rip! y oft o 'New Bdreerfiom the prMow b D. It tide o delP g'thur 4e)t little P-tDO B, C Certificates of Dep=, or B BWwad P&W appears an the ram of 4kn dseba f W vii wwyour check firhon Yam hnkke icantt w to proems tM ytt-d as a cask ttrrwY Wh __ ang Period In 14 Nwce charges cmdasa to accnn w Your upast ledreer wet tr wpdd balance to pald h M. cis rsa-rmaht nerd to t e issim, c saWA tar palodn rasa and ?tep- AMMAL PBICEI?rME W1TES we. en tar h fluna to arks an alliectionor ha my ? es TDb mwrr t- you an di ovw /btaae ohatgr, even if y ou pay the antra New kmdreted on the froW of ma wrr q?-badly Y tay tad I n7b a banes Drell j0 en des snood kmdas, r found In TM Wally ebeet t y our be* d UwwW, lads from ? ke ?? ? r woutant w ea soar r the ems dry we realty yam rd i m a? row swumens by the rest staters-d dosing Ms, but do .btm mi likes to morah dacbwd to You w ;%r , riot reeve yw ctrck back from Ilnnc?ld khedtWOn riot do w for tae prMam mach, Uhpdd Name charges g d Then dwgn vvll be m to Nab day a? 81 ar s b tr cep sqe aeonrd o1 yam Aawrt. 'r c kAYreun Fihaae r gs. far each DWt g p sdod tat pC)D hiktp perbtl coveril by Yam periods aanestesnt wabg In tr mode Jaarry AqB, Jrdv ant pamper. Blbb)NB f8(N{T$ SUNIMMY (in Cow Of Fnom Or Owntonve About Yw DO w a a r p ? oaedmbiIt the C Ff A1 *0 660 ? E W Y rh p C. if R brine »f1 -mo. L)ROM or 0 Pm. it f Visit bill b wrong, or N need mone - w ? rJh a r dq aap f a a periede ratek) bkw M y0 60 t isi aWtr t th e? ori V is mod to * the ore o statement: do res Fdi iota msgat er a unnswil br, w rim is w on a der r ass n pea aNs at -ate as ft address for ? , ac at ammnt from the 10.60 merimun and des dMerorcs Wo be blW w 1M prdnw h*1 of?yar aachnL it. 'r Temporally PA&u m bs Fi-w gsrpe. We rerrve the and taxympodind ANNUAL C JjUiER47FS rm+Y wry madly rirfold In 7He d acted may' ho Wa c?aSnebrrf Jbased ane/ m pksa the index, , 1M wei h reMaW d J d T wiL W d awn rho tr stafamenhame. W t y ot d t on is ou event the Mar Iron you ro it. a err War mrea en t0 a Youcon dime her vin eat you n Mt felt Wide lppwad. -? d¢u be net area my or d Nhrae Charges for any o ven ?g a not r g r a hw dtrpr y Brat dsy d r eflecp" ant w yyms blNp Iradod ea Will be Co bw, I raN w Qrm ri not mrdes. Ra bin btl yauam nm laver, bsr. old but d w dr tgM so wlw16bwbhg yam aar? s 2. Awrpa Dair BWnea Naw grdhru4 a Fshrhee duos b mwh Wft the dally Giarca of each aapnre yes aramwa le-kI?wh d adv d each "Wr 4. Aaea of Les, Ovrih# mind Bskmad =I- t Yam aeoous wi G wand no mom than bee Rated hero that oast diliv mw pWg priod. Under t VMS time ? mocaurs ?• ? dollar mnow of the atespecad error, a dsaedi tim of the afrer You Is erd an aplrrtosL w,tr heltobve tats ! dem them of an error a N you Mons mili tlim !_ rhce, prr trs, special tranbr, and aPadr purchase) by am h tp My period. m%W that has bore leaves of your cumme er agsernant vin rewrva ter ride w wdw a net w aarw an fen Witham ri d d* I p do team You re. wawa about. Yw dv not ham to pay aril -t d the pplod you. At On snpdMoofdsac h day iste for each ? y p or no s Wtlhot w**V me ddtt to asset it. stns or similar GaAs, w a am-et In Wassion Whi m m InveMhya it, cow you in qSo we sr? to pay the times of r w- b tlrt are not ltllr of yam a.ra t dkal?etyh?d1 ma d alct she and oil the sagment migment. Then !rid I 6. Yes AesrN. 11 a marnbenNp fr g ue s on repot yea r d+6ngt take mw aedm to oolea the li the mass of taw alo6drte- 10 ?w K it* imanc e e char r ram tr dab Wa mltanrlt MIw m aid t0 We. to , ° M Y0V 4°rkrh g am to the rr illt from ch w mithew at the towl Podode +wld paying the fr a ea Mw such In cmdW to rota if you caned mar acocum Oookhg this pedod you may i.t Special lerb For C ftk Cad Prdws Inca charge ft year wo mme. To get IM dolly Glees for lath ++Os+fe of your aoawtf vw tab tr bsplnWno bdrhce to rdh !+Omri amd aria anytime trrrletlemts , coronas b we yes "catme Wilms having to pry to Robb rip 1r. To Grad Yost aoerahLYpt rtmrt notN ut by =T. err ?rmnw macro' - - n....n.,.,,. It yw hove a woble m wkh ft of property 9wiitY a eervMess 1Mt Yw padrsW wh h a aedt ad and ycu r a M by tint m ,=led 8. w tw aep.bw da1Y it your new Mom tranaetlmta w1w ?ad e me bslrhcea WOWW g biteda ys b the m O daily period. tree , t o o alght -,I- ? fkwae comprs 0. If the code Z .1 ' l next to Ba ance I 4804 0 yes n tr sbteriwt M (or w p usprnn-m, ym miss damsy We endr aced and sown Access dtecb, cased of promil hutted hilrq or a or ern or • aaM amen) new i Woof Prscrss a spserd , and ear rtq yes a.eous. N you do not rand pnnrt .tad 61iq +magsnrys, vve Wl commsr a added to ft daily betanos. we y bdarra by lddrtg al the dory roafpt of a dwrge yaw me hodzmlmh to feopes view acccws. AddtoWy, Wes -am" vW not be dosed dsg tr stn by t mmnber of uel ym pry as ammn! you ova w Ifmhdna am, Rein/ - T. clowns Yom total f anseacdow you have audndted Nnnea eGrges pam w aVes" dary balrhea W th. Us. mmhar of keys In the Ihlrho dos hr, am** Sam, nnmea plYmom Rees, auh Wineries /e d h h • dally bash, then sty be a s an rry oc er kw arresd b Wes aaowe. Ym an raspamYbb ire Utrs r-ns Warlta k taladauon and des amour of ,rased they appear o Yes a.wln at the tbn lyyreou nprwt Io dose t e a e h ton the hots of this ratement dad To: rw ntidpy the or t tc-a ey am khmmred r6ssgrrot b Yam reehrmt 1 don the aGrewm. TNs may me'" I. drams arrrrlrkst an vow aowmd ear ear bees Mw tesfbmd F hM b astsct dw g1P11 with the molesting ins droNomyt twMOY ft right not to ilsrrphGropwerty a wrvlae. You M dig t +m,d ie tr purcfh =-.adepalYt Boob es ryomn home moss fMn or *kw 1 and m hN1 fog mWe a yes reeding WW you of Ws ovhn a +p+rab the maid-Rely a If Win nuee the advestieasr-t far tr poofperty a rheas at p?scyws maw MamabK to sign eptarrtespondence °r,=, .) t Does not apply to caurmrsar not--.M arts aeeamrs : eoea not apply to orrrrrao no -.a cad a,_h, C-Wtld One wppona ksbrrnadon privacy prasabrr ores w weaalesw K rvww.apkd stn, gre, Orr X. • isdarYy ?!Q?t!!ed service merle of GWnI i FIF" OoTOratbn. nor rgxs neorved a 2003 Notion: Yw payment Wit be credited w ymr xawtt r of tr caw ws receive h, poNdod yes axd dine Dotoom podan of tNS wtamxt xd yaw deck b tr arhdosed arhwlops, rd Wes ppsaynrn k reeaived In w prooswkg tsner by 3 p.m. Pavnante adWrrd w w vkgH! a l'bods proceasktp antor rmst G tsWwd an a Dudras eta Dy 3:00 m. LT. f7 PI s addeawd to Ow Waddn{mrh ploceeig mhlmf rnhhat G ved aft ¦ bhmhkrsa shy by 3-00 pm. M. Pleaw alfow r hem rtes (5) bhrdnsw h W 1st Pond y aWaram rsaived by w m any other ballot a in rarlrr form may rmx G aedtsd tlr erne shy we nalw dam. qm brYrs days ere Malay tlampn Satwdayy, udWrg -I'- 1; MOda{'leave do not tats sterols pywr car, etc Wharh paP+rkg Yes p.ymhem. yMea and w a clack(s), lyre analartze w to wise • onsylnn Nnctroric varier drtlt Dan yes bank kx M amotn of dins deck. This ehdadzldan spp6es w d dhseks reasved cake des hilnp rycle even if wm by aathoar des. 11 ws orvat prover tM trarrhr, you ahnhodze w to make ¦ tiwrps +gakrt yes back atsove rskhp tG cheek, a papa 4ah a after item. ----------------------------------------------------------------------------------------------- - Show Mom your love! Special savings for Capital Oner Cardholders! * on your next purchase when %you use Promotion Code CAP66 Save (See reverse for details) Save this code! Offer good all year long! Remember: Mother's Day is Sunday, May 14' JOANNA L BALL 1-500-flowers1com. Call 1-800-FLOWERS- (1-800-356-9377) or Click www.1800flowers.com today! Your florist of choice- t--------------------------------------------------------- ----- Account S Previous Balance 100 Payments, Credits and Adjustments $13.45 Transactions $1,930.58 Finance Charges $21.% New Balance $1,909.09 Minimum Amount Doe $147.00 Payment Due Date May 03, 2004 Total Credit Line $5,000 Total AtailaMe Credit $90.91 Credit Line for Cash $1,000 Available Credit for Cash $9091 AtyourmrAce To c& Caomw Re&ouu a to report a lost or Asian tail: 1-800-903-3637 For free 0aliaea tsenieeand.pedal=t.merOEM, in0.tX waw.apitalonatom Sodpsyraeatt tx Attn: Rarsimeoe Proon, ng C*w one Sevmea, P.O. Bea 65147 Ridmoad, VA 23276 Sind invitie tv Capita One sde;ees P.O. Be 85015 RAramd, VA 23285-5615 PLATINUM MASTERCARD ACCOUNT MAR 04 - APR 03, 2004 5178-0522-7842-6453 Page 1 of 2 Payments, Credits and Adjustments 1 21 MAR TARGET 00012542 CREDIT $43.45- T11111sacdons 2 05 MAR THE HOME DEPOT 4120 MECHANICSBURG PA $557.12 3 06 MAR HECM #28 HARRISBURG PA 36.00 4 06 MAR KMART 00091231 ENOLA PA 37.50 5 06 MAR SEARS ROEBUCK 2624 CAMP HILL PA 227,65 6 06 MAR THE HOME DEPOT 4138 HARRISBURG PA 99,70 7 06 MAR BATH &BODY WORKS 0507 CAMP HULL PA 50.88 8 07MAR KMART 00042754 MECHANICSBURG PA Six 9 07MAR THE HOME DEPOT 4120 MECHANICSBURG PA 21.17 10 07 MAR SEARS ROEBUCK 2624 CAMP HILL. PA 114.23 11 11 MAR GIANT FOOD STORES #S1A ENOLA PA 20.35 12 11 MAR THE HOME DEPOT 4138 HARRISBURG PA 1,693.05 13 11 MAR THE HOME DEPOT 4120 MECHANICSBURG PA 136,50 14 13 MAR VICTORIA'S SECRET 0281 CAMPHILL PA 87„50 15 13 MAR TARGET 00012542 HARRISBURG PA 79,47 16 14 MAR L.OWE'S #522 HARRISBURG PA 88.87 17 14 MAR THE HOME DEPOT 4138 HARRISBURG PA 76.58 18 15 MAR ENOLA SHURFINE SEA ENOLA PA 12.75 19 15 MAR TARGET 00012542 HARRISBURG PA 30,47 20 15 MAR GIANT FOOD STORES #261 ENOLA PA 15,04 21 17 MAR KMART 00091231 ENOLA PA 12.07 22 18 MAR PIER 100000711 HARRISBURG PA 43,46 23 18 MAR KMART 00091231 ENOLA PA 4026 24 19 MAR TARGET 00012542 HARRISBURG PA 64,71 25 19 MAR THE HOME DEPOT 4120 NEC14ANICSBURG PA 64.54 26 19 MAR TARGET 00012542 HARRISBURG PA 169.71 27 20 MAR BEST BUY 00005470 HARRISBURG PA 109.31 28 21 MAR WM SUPERCENTER SE2 MECHANICSBURG PA 59.82 Finance Charges Pleeutreereverie jideforimtwtaat information Bdewn cart apffvlA Paradr C-t ??nlw Mer?..py Mt ?PIQ 4 PURCHASES 3.00 .04062% 14.9091 8.00 CASH 8145.29. .04062% 14.90% 81.84 ANNUAL PERCENTAGE RATE applied this period 44.99% V PLEASE RETURN PORTTON BELOW WITH PAYMENT V 0000000 0 5178052278426453 03 4909090039000147004 New Balance $4.909.09 Minimum Amount Due $147.00 Payment Due Due May03, 2004 Total enclosed S Account Number. 5178-0522-7842-6453 Pl-p.atr.rl.rb -et,kk Street Apt I ZIP _- dome Phoa, Almrmce Pb,. Emal Addrea #9009513561148556# NAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 lllnuullulsltlull n 924 WOODRIDGE DRIVE Richmond, VA 23276 in ENOLA PA 17025-1545 Inlrlnllntlrllutltllullnrllnrllnrllnrllutllurllnsl ° ?? lurlllwlllnwlrhlrlnullrltlululrlrlur!il,lultlnll Pltart tsnrrynwatrourtt aum(vr o„ yma rGenE or monry ardor madt foyabltro CafiralOatBanf tad mat/in fbt rndonAtmvr/apt. r Get sweet savings on Mother's Day gifts for all the moms in your life ! % 1-800-FLOWERS.COMe always promises you and all Save 1 on your next purchase when 5 J0AhWhtcMk1you love: you use Promotion Code CAP66 924.VA*4k?ti ygartistically designed Save this code! Offer good all year long! ENQ!VA 6J?SFk64V1 a 24/7 for delivery same day, any day ' 511 FPsat"ifflactionandfreshnessguaranteed Call 1-800-FLOWERS®(1-800-356-9377) • The finest selection of flowers, plants, gift baskets, l h or Click www.1800flowers.com today! p us toys, gourmet foods and more •Giftsexclusivelydesignedfor1-800-FLOWERS.COMe *Exclusive of apptable service and shipping charges and [antes. items vary and are subject to availability, delivery rules and times. Items can be ordered onkneandbyphone only. ers cannot be combined, may not by leading brands you trust. be available on all products and are subject to restrictions, Limitations and blackout periods. Offer valid through 12/31106. Prices and charges are subject to change without notice. Void where prohibited. m 2006 Capital One Services, Inc. Capital One is a federally registered service mark Trademarks mentioned herein aresolely owned by their respective entity. Ali rights reserved. t-MG-FLOWERS is solely responsible for thi his offer and is not affiliated with Capital One. Capital One does not provide, endorse, or guarantee any 1Q 17oo-flowers coma pr?Oa?eshown here. Byresponding tothis offer, youmaybecommunicatinginformation about yourself to the mmparry that presides this product-for example, that you are a Capital One customer. Your florist of choice. ® 20061-800-RDWERS.COM, INC g 1-eoo-FIOWERS.COMW uses Smre Socket Layer (SSU encryption tedhnokgyto secure its website. •H you wbh to use a dffenn seat card, for qumsdors or m cahool call ON ime 1800.927.9491. Your IrKtam p*m; am redeemable for sahttps off tM omit pdw of your seiactoro pia the taw ram ahawet Allow four to ten wesb IN magazirm to mart. 11 a dM wars, It wall be replaced with one o1 equal or groater value. CrwN anytime, and receive a reMd for u served brae. VW cmdt card rermd Orders will W within dirty des of the nphatlon date. When you male a selood you boom* ter valued wtarmr. O 2004 fivv9W Ma wkw SsMwe LLC (NMS), Four igyt , pack, Stanford, CT 1 90ti Is the vardor and raerwa the dpd to tarok rode-. Any uaMmarks Maim d fmokt am odo owesd by t7m rwpeedve mmhy. Nnv6ub Magaztre SaMCee LLC W Wely responsible for tHm offer and Is rot &Mated whit Capital One. Capitol One dose not provka, endorw, or prra oo and In not off oW with my product or seeds shown hem BY responding to into offer, you may be comn"kedir inlotmadon about yo ?fmak = dm this protlua-for a?ranhpis that you am a Caput Ow asmmer. O 2004 Capital One Services, ho. Capital One Is a fidenky regime Y 1. Flow To Avoid A Fi ta. tins period. Yo 26 days without bale nw travelers acco?idance AIr and In dime for it do*V and spedd itr on any uahaedo b. A IiaW Fins , imneacdon Is , tri rpasao firat talc darn day if you ? in pa) 14 Isdam This ? Van to you pay ri ends Mwa bl 1' c an added to the mYO1tal FIFt4NCE taut irorhp psdodc mes(a) Is killed to Ai an td. Teapmsry Mir to not 2. A htih= I?orlodY a. France clone Is i will have a mHmun grew pedod of hens grog on now pucham, new, nnow = - oundhawa ad new odm y YouramNewNodw for payments below, TO be ereaad by you rind Wanent m Is no grow pedod on cash advenees am. In addition, there Is no grew period h If you do not pay to total New Charge. Trareaiwm which e d sn not t period am amwed isnno to t 1) 1m mood iD yaw m 2) ma o ri dine the o? ov rom Mows or 3) bon On uiY, ri Mw V wdod b7irp n maornert outitima a of each a *WKL' everape d 3. Mmmr a. The team m APir on b. It the cod d pewom ri 'New 9alree fiom the pmtlm N, triance t uispm wekor to acmiu& to ,o urd uY to Lipid bsmw Is paid k a in full. I ,ou may N ON due Icato Sanance tape., even If i New w Balance Ndcnsd on the lean of the ? rhea otnwnmt closing dam, but did a ran ame and E may vary m the to JaanmG q If 1h UBC dhCaH?AlrgesEiddrh4 ?v abppmipowLLw f`thro c. leeaa titan i0b.6rm0, prime reed auL?ra?tlhst a?ihdo #0.6 0 mkimun end the dfferarce will bo very s e lYwa It Fluweiyouv a We rnL the aarin my or al L anwr tlurgso for my given wq r iWring NW Hrahamo . k Bad 4. Aram s ived by toatiphilm the daily Your a cones- of your awma d te.p., cash a, special tan", and apoWl purchase) Noted h team c Id Dean driApe W tot Idwdam ?y. 10 tho and of each ? v ywyooduu ?o we = {{ WOOL" tto tlrieddaal?y Wm?ce?esdh e li lA m y to and of the HYng psmod, we add up m doi wlaLthr to rods at our am . w apprn do f y lops ter emir will-", We add up the " . a d p segnrat to ants at the toed parlode : H you e your awaam. To gat to testy Daiar- e aecmam t 1dr? tzrmkre ed , ? q tramiactione a and :0 h li man nodfV L nsinice c ange that segment We *4n subtract any d f j d ll d h h m pet ay t e pro ot ocate at an a So o rub yvao u On sawralo daily baianw of ou mxmn Ho H e. aid ri S. H You t yov tee o y . , y p for lo ball aMrtm a m o woo, two aar cradt amaml s nd t toot to your purdrr m apecid pnaurh o am not added to the edgy halaheeo. We am daily Dina by addno ON the MIv Rtlaa gran an ?Ym race" aroase 8 ri Mye in to current bcang cycle. To eilnlme your toes O frurae ohm", matlpiyy )ter aoraps dolly beiahca by the MW ode rote and W ri = ei drys M the bmm O g pe Due to hmnLp on a daily boas, ahem may be a allot wdanw bmwem We calculation and ri mount of l d 8 ambs u aetuWyarwed b. If the code Z p N appmm m tr font of die waimmmt O r r ..t to "Balance Rao Applied To, we muhiply the moapedraap bbtlu e the for the radio[nacedes day, all any now and wtbtract a Tl ry paymm?o mm Aopn tqe front of fb : ° your NOOOka R ynecelvtrou ? the sellout lion ft amount and VA a n ri bra . rngeduyd Ih ddrs1ryy DeIa1CM fef cacti rd dhM by the tool mrbd. TNo yree v ri m nom be OM 7,tfri? ran satin eom w line- may appear a 1111nom r LHIM, C (Ce dkM of awon 9. Movie pmhde a use, ebuvane VOLL Your srrdrhg hn eimady been dosed For eyaq a oudrae from a nrKdwd ad w eadmed, yaaccount mtM be moyour pe r tape e.0 be added m your awes mparloM for paymat H tom b ¦ cam ary mmnst gmmiang o 3 El te n ea payo pa Cuth[,air C youananrwnW?f WhenM yo u to d MorrnaMn from your m make ob a a one-timeaps tl nt n froM m Y Y% e. rabOVA m sownR [ e m dm b?mo Your ofrcit mu mks an dommi c r, fade nay be wMdrawh from your tank man as the some day we naive your d Y Nina ec le. your shack book ban ro kit =6,- 80 tow ifWwe sot ycu the en n or omNan aowam,l Ytu crk f8 SUMMARY mm Or Ouabrr About Your So ur bill lia wrong, a vannmicat O or kill, wilts, need mom " 9000 So addremi h m do front of ramn-Weformuw mom an two Sm day of Your killing period your Ilya. h your kOW,"ton die following d Late, Ovaidt aM Rokoned Peymat Fees. sawn of the, suspected dam ptlah of ri enor will be award no more thm two of the fees and m aeplrrtlau t powitie, ofw4w you believe them is it oar dskwg rry boning parted, tiler de m Orion, air if you need nom khaaretkn, a deeetgtm of cmamer • we hwerw rho A* to lo are. rry krmt pier nad/rurtlm to i h h s I the bm you me unum about You do ton low to pay any roust 11 whY vw am kuwetirtin k but You C g t a area t e aarme or dmbr rq our r + u' an e.0 m payM.d lioa?n o s oYou, f your brlymdm am rot Moans. If a mombsrslJp fee report you r`pur r deNngimrt w take any acdm to collect the e front of die summa tt, you haw 30 mount you q dam this saoomm was matted to you to he he or to haw audit tee credited a you t,t Special Rule For Cade Card Rod- your anat. During this period, you may e your aCOOLN V vitlua nWq to pay to To canod ncel your account res. you rout If you how a probbm with ri quay of property or , asrvloas ton ===a pelt card and you h..' ew clod 1 the pro ,, wkr on is) play to ri and of the tinyday pal" • you may have Ow dye not m die ramming m mount Dux an ri k Y h tar Mamas. You can tequor to dm oy CAN air Customer Madam n LW m ra er. ou ew this oryy vMa the pudmare p{w cap more 'eu -0 destroy your -Mwrdld and 60.00and drµrdarcarmd? In ymr hdnte ca a wfwh loo mbe of your m&- addrew 9f we own or s tacks, coned AN preauthotzed bung, y_yar aocoum. "you do not caned rkn0 awangmems we will snider oPerm des mortherk or if won miW you the edardeamnt for ri pmpmry m o arhcan mav , , y .P- logs mithodranim to your ..m . e vitro not be d p do to swedes ofdmtmrmt • of f Pu •) u m , y a ono ==,W Miley /rape dr ro p m ual t Omm not apply a oooa mr ear-neon card -Coves, M. andm/ other your i Aoea nor apply a Mcdi ess nary-radar cant semuib Lint. sou aro reyaWMe for tar amours whet. appear m ycr aeceun at the red:==to a Capital Oro apports itomm?lon Privacy gomcduk ter our ri acoaart m they an toured mebeite r www. con. request to does ri attar. TNs may result In Capital Ones b • a?n?tsrad service, mark Of C4pkal ros rk g on your aewun abp you Mw plG +i CttpomWn All dye. msmwd ° 0 3 l LOLSAK 3537M in bpatan 1 Nwi m P-roofts You nib to w Witt be nedrsd to Your score tee of the bueirm dry we receive It, provWd (1) You sad ri boman Po dorh of tnb Comment and your deck ri adored rarrittartm erwuipe and (2) your b received 1 our pedra cater by 3 pm. ET (12 nosh PI). Plow slow atMn five (61 inairmmM for? P.pnaha nwived Dy w at arty otarlowtlon or In arty odor four may rot 6sowcrethW_ r or tMMyywo racdw tlmm. Our pajama days am Mies %lay dtmryh Smurd y..xtiuArpnWlorya'ye. Plmm M not Live noralea, paper dip eic slot peMmrtg yar paympm. Wh=11 d w a udneelyr, you arahodte u a make a a--tiro eiacroric rrarefer debit rmm you bank account ter ri amoum- of tr dheck This auiaMadon appar m all dh uip ter bWrp eyrie even If arc by rmsone elm If we wrnot l?cw ton Irarubr. aufodz0 you m to make a large ageiat your bail accent uaip the dock, a paper daft or odor ken: 998 eC: pital0neo 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 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. 999-3101 C- e, Account S Previous Balance 1.00 Payments, Credits and Adjustments WAS Transactions $1,93058 Finance Charges $21.96 New Balance $1,909.09 Minimum Amount Due $147.00 Payment Due Date May 03, 2004 Total Credit Line 15,000 Total Available Credit $90.91 Credit Line for Cash 11,000 Available Credit for Cash $90.91 Atyourservice To MaCu comer Rdodom or to report slat or stolen recd- 1-800-903-3637 For free oche so=at setsice sad spatial .tourer o96s, Log oo t : www -ouloneam 8mdpgmemate: Smd;nV1r;0tat Attn: Re m;mna Pmoming Cap;mloneSavior? Cspial OneSmim P.O. Bea 85147 P.O. Bret 85015 R;chm6nd,VA23276 R;d,mond,VA2S28S-5015 g r c? m PLATINUM MASTERCARD ACCOUNT MAR 04 - APR 03, 2004 5178-0522-7842-6453 Page 2 of 2 29 21 MAR TARGET 00012542 HARRISBURG PA 18.00 30 23 MAR GIANT FOOD STORES #tS1A ENOLA PA 27.72 31 23 MAR GIANT FOOD STORES YSLA ENOLA PA 30.00 32 23 MAR CVS #2321 HARRISBURG PA 36,22 33 23 MAR JUST CABINETS I23 HARRISBURG PA 161.05 34 26 MAR CASH ADV. ANW742 WERT ENOLA PA 302.00 35 27 MAR CASH ADV. ANS042 WERT ENOLA PA 202.00 36 29 MAR GIANT FOOD STORES #tS1A ENOLA PA 28.09 37 29 MAR MONMOBIL75 04210332 HARRISBU PA 15.72 38 31 MAR GIANT FOOD STORES #S1A ENOLA PA 28.15 39 02 APR CASH ADV. 01 ENOLA RD ENOLA PA 81.75 40 03 APR CASH ADVANCE FEE - - FINANCE CHARGE 20.12 T PLEASE RETURN PORTION BELOW WrM PAYMENT T C-J??e 0000000 0 5178052278426453 03 4909090039000147004 P uep,e ra.f? .edo. /Jr. kbm.uv.?N >HanE E New Balsnre 14.909.09 Minimum Amount Due $147.00 Sleet Apt J Payment Due Date May 03, 2004 ?? Oa se 27P Tool enclosed 1 [come Pb- Atarma Pb.. AcconntNumber. 5178-0522-7842-6453 a EmaaAddrt Capital One Bank P.O. Box 85147 Richmond, VA 23276 #9009513561148556# MAIL ID NUMBER JOANNA L BALL r 924 WOODRIDGE DRIVE 1 ENOLA PA 17025-1545 Plane uvireyo9ro t anmbw ors yvar cberk w money arder madepayable to Cnfitd One Bank reed mail is the endorrd rnvdgl+e. Capital one® what's in your wallet?- The steps to mslataln yourgood creditan provlded by Capital One, In conlunctba with ConsumerktWo (wsew.r:orrcumsr-actbn.org7. O not Capital One SerAcm Inc Capital One Is a federally registered $anke mark MI rights nursed. 3537M Imperbnt tdotloo: Paymatta you mag to u wN Ds asrRed to your aawx as of the Dudrrss dsy wa raziw 14 proNJad (1) you card the bottom potion of thb sutantrm aM you dsock h dr ardoss0 remlRaas esvaAt,ru and (t} you psyrrtwtt I. rewiwd n ==.d rr ganar 5Y P.m. Er (T x noon I'?. I , agorv at bsa , 1?) bsirwar a.ya for prowl dMwry. Pbs?aa do °Cdt w?a by w at any odtllprrr bcatlon or lpnssphuykaylwyrou(ram?Ynns?awy?you_ss of tlto day we receive ttwtn (Hr Dudtuo doya ae Mwmsy tMwgft Satuday, exduWp b daya. accent for tM off=, =no? dttdnck trtis aWwdzrfas eppgas -P g ybcks sacetvd s. s cAock(af, you ..th k. w to make a one•dtns ewurank trsmfar tlcbh Tran your Dmtk us ro meks • dares against you berYC arsotag uekp the Brack. a Papof hit ar "rar kel?rt Bra ?? ` ' awn if --M by someone alas. U m umot process tho vambr, you wtltodze 003 ' First 3 months halt-price * peoplepa- online 1 U A better way to Intemet. 97 PeoplePC Online offers the features you would expect from higher-priced Internet Service a 4 $9.95/nut. ttfe Providers at half price for the first 3 months! ? 1 V reafler 19 Virus Protection powereclby symantecm Now with FREE Accelerator ® Pop-Up BlockerTm for the first 12 monthsr-a 86e value Spam controls 784264_13 SIGN UP TODAY] ?? Smarter Smart Dialer Technology 1-877-778-1207 ® Q M WA rimes Mention Offer Code: GARNET ® r' "RAt1 pig Or visit www.peoplepc.com/go/gamet UNLIMITED INTERNET ACCESS C-? 172 PLATINUM MASTERCARD ACCOUNT APR 04 - MAY 03, 2004 5178-0522-7842-6453 Pagel of l Account Summary Paymrnts, Credits and Adjustments Previous Balance $4,909.09 1 29 APR THE HOME DEPOT 4139 CREDIT $1,693.05- Payments,Creditsand Adjustments $1,693.05 Transactions $93.96 Your scheduled payment lull not been received. Please remit the amount due appearing on this statement. If Finance Charges $57.70 you have already made your payment, please accept our thanks. New Balance $3,357.70 Transactions Minimum Amount Due $196.00 Payment Due Date June 03, 2004 2 01 APR KMART 00091231 ENOLA P.A x34.97 3 04 APR YAHOO • GAMES 408 349 5151 CA 19.99 Total Credit Line $5,000 4 03 MAY PAST DUE FEE 29.00 Total Available Credit $1,642.30 Credit Lim for Cash $1,000 You were assessed a past due fee of $29.00 on 05/0312004 because your minimum payment was not Available Credit for Cash $384.80 received by the due date of 05/03/2004. To avid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. At yoursetvice To all Cwtsmer Rdstiom w to report a lot or PAw card: 1-800-903-3637 For fm online sarouat satire .ad Todd automer oBen,log on tX wwrv capitslone.mm smdPaymosteto: soaak uirieatoe Aft: Remittance ProoessIRS c4tdonesrnim Capin o esev3crs P.O. Roe 85147 P.O. Role $501S Riehmond, VA=6 Riehmoad, VA2MV-5015 1`mance Ch=gcs PAwni" reroeneridefor impertmot infiradson 2 Bdmurwr Poiedr CwwiNwang T; I 1? N ?!b Mr R l::tt11HAKK eA PURCHASES 34,099.81 .040&2% 14.90% SSom CASH 361132 .040&2% 14.90% $7.49 ANNUAL PERCENTAGE RATE applied this period 14.90% ? PLEASE RETURN PORTION BELOW WITH PAYMENT C-j e, 0000000 0 5178052278426453 03 3357700039000196007 Mrsrpimtmaira.6dhmewl/wr+wJr6wrrrMwar' ?H.rorNaE o..E New Balance 0.357._ Minimum Amount Due $196.00 so-so, Apt J Payment Due Date June 03, 2004 (ag Sane ZIP Total enclosed f Hoes. Pb- Al-te Pb,, AecountNumber.. 5178-0522-7842-6453 to Erna Add- #9012513561148551# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 924 WOODRIDGE DRIVE F Richmond, VA 23276 rv ENOLA PA 17025-1545 m ? ?tt?r?u??ur1r11m1111n118n11rn11tu11toll list III nIIIII o I...III ns1uu11r111tr1u1r111u111111n1Rill 11 Phasetwileyowaerwmtnumberenymwcheek ormoney ordermadepoia le toCrrpitdOneBank andmailinIbemclwedem hpe. peoplepu online N--,/ A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAYI 1-877-778-1207 Mention Offer Code: GARNET Or visit www.peopiepc.com/go/gamet Pecplel'C is solely responsible for this tiger and is not aftled w8h Capital Ona. Capital One does not provide, endorse or guarantee, and Is not alfillated will, any product or service Hawn We. Any trademarks mentioned herein are solely owned by the respective tingly. Ali rights reserved. B/ respond ng to this offer, you may be communicating inbrmatim abort yarself to the company that provides the product - for example, that you are a Capital One customer. 'PeoplePC Or": Fret 3 months are billed at $4.97 per month; $9•95 per month dreraater. Offer available in new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to dlatge at any lime. Phone technical support aaallahle for $1.95 per minute. 1Accekralor Is bee lor 12 moths. Oiler good for limited tma. Ater the first 12 months, ft Accelerated service wig autaretkaFy revert to the standard Peopk.'C Oni'rr service Oiler subject to change at anytime. With PeoplaK On i s Accelerated, certain Web page text and graphics will load faster when compared to standard dial Internet service. Actual results may very. PeoplePC Ordine Axel ated is only compegbb with PeoplePC Online Internet service aid specified Windowsill) browsers. PeopleK Ordne Accelerated is not compatible with Wirdows® 95 with IE 5.5 SP2. SerWos not available in all uses. Access fees, lair, oral other fees and resvictions may appFj. Telephone td charges may app" even during trial pedods. You are responsible for determining whether a cell to one of our amass ambers will result in telephone tell charges Axes may be limikd, especially Bring Imes of peels adage. Did-up numbers may be changed at PeopleP(C's dhaaton. Condoned use subject to fimen,t procedures Ail we is subject to PeopePC odine's SerAces Agreement and Acceptable Use Polley. 56K Is the maximum speed of service; actual speed may very. 0 2006 PeoplePC Inc. All flights Reserved. PeopW'C Online and its logos am trademarks of PeoplaK in the U.S. and other countries, 0 2006 Capital One Services, lino. Capital One is a lederally registered service mark All rights reserved. 8 O O g i O c, I Flow To Avoid A Fhaws 0hagw f ` 2 d id tWlk d a a ? h a n w true. To obtain the average daily balance for the cvArrad by this tee of each so boo mra? da ad n d r w w Your actnut if It has already been dosed For sronpte, Ff thfrom a merchant e merchant aftar atp othadttrraraion fiom our ays vt hou pvc aa , e wicaap amdar uhd INVIsa Ngpt balerhce twara, rww toW ' vNs r and it e If drngss you Yw ... p y, aya myet p x s SLAKFaCt any or trMrANUMM credo. (H k appears NO dr ft. of Itl? y _ account has been closed, wall dw dsarpa will be added to V account, E atxordanes Malt Uw Yrportart Nodoa fa paltrtuua boli nu d N h it m b dw b tet f n Apq?d wwntent [teed m Balatrw lists Odroaet an aid lkharas dre s irJUded Fr dr bYan - rid wf ta yw aporrtle a nrrrb eY fsa for dw his wall eaaMw ar account an en e ete y your mai . wnv t or doekhp data. Them Its m 4+ce period m cedh aufvanse aled nd scid transient In addtlah them Is no raw y g p r es of each mile sic ) Thle Sim us to diy balance of aeon as nart Thm w+ add N to chill bWrwea for each r n p li , K pamdmad by law, uN Ow m M dwtdad 10the wow aocaru Wlaroo Iva bwm ant In fad as OafWad ido. , R p a vi . m any trar-cdm If you do cwt fey the octal Nsw Y Q , y egaled and dvlds by=- warrant for the D?rhg p i he b? b r d bd M t d P 1. ya?? Your Aowud.Yw cwd a account carom be =W t M k l bater AsaaWtg Fusses Charge Trawoubns Matt am not b n t mnh er o ay. rug pa . g w w acreage daiy balance of each vs(Pnem 1 mtrwct on w my nnnst gon i g verroWar. . . ahjact to a grace period am-avmsaed lnsnce chorge 1) 3. MwN Piewdage dale IAFR4 S. Wales Also Hsebade CMok Carver" When you imm the date of the transaction a 2) from tr data the a. The tam 'Annual Pancacage time' may appear a provide a check as payment, you ardmlze v alder to varstsNan is z m Your Account 3) from the oca /IPIf' on the mac of this wamaht. was kJamatlan from your, clrc# to nab a artnw C r " Y' of 0. N S I u o bardic account or to your ? u 1M Preview It c lid not pay the 6aga. cha confl your period bdmo crud the ugi ?d b ha Is paid In 1her. Dep=, or appears on the from (BeNheard Prp of raw aid oparuan?a t¢h?mq:*AJ l forkift RATES faw,.w U» yrnat iss chi ttaracdat N9wn tw use Information here youir chock kind transfer, funds may be he vftdmm to me r m your electronic The mart trt you may ON owe insrne charges, wen If the d B l the from of N I di t d may wry ".=rosy may hrnaaa or decrease' awd an the stood Intl as bud n The W ASri t account: as .oat as the-re day m mad 1ouir , d ill oc " d k b R b you pry ma e ow e moo n ca e on your slatOaOrt by the rsha ou emem cloong data, but dud i .s Jbatral plus to 119h tip Nobly aaelo e d us you. p ire" a you w r too ec w an your liar NhrhdN krdttutian not do w la the apreefNiatlsoma dr. Unpaid iwKV dmwe t c akuhbrean Fiwwe O h a p. For tech brlr gY w pa iod chat Those chhrangg s MB be offaN pwMoon this Bhu day d ywr In s moral Jaadry-Y YwJW cod October. (Yh Caw Of Ermm Or Questions; About Year BW W uut,? aa?q ( ss r g a ? be Yw LIB c. " the w mom If you think bill mongt, or If you c n tal flfIANCE Cl1A3K)C of 40.6 0 60 vA lenpawd If the m n d LMOR Rapniced Mo tinto m litilismatim to a r m tim or bK wilw m w m a total m=w char ao noAdn lean the aool?dw periods rats(., viler awt M.60 we rig suhtraeadtit statement nod m de ram(s) do wdocla mw and m= A PFHC PFACENH(tAOETWTFS mry wpom acre[ as coat as possible at do ad7mse for ngldw alwwn on tlr hat of aloe statement. We net moue mom 1M 10.60 mkiam ind tlw dflnahes will be m d bid t th t ch very "-it* andnw khaaar or deasaao bunt an dv stated Inclos as faunal h The W r Je g Sb * a hoer from you ro hter tlhan BD ddaayysO akw vas am you the Ent b0 Mtn t hl d Y ase s?w O pur aoonn . o t d. Torpors, y RaJaaiism n firnea arils. We reserve the ll k ch f e, a se wc n p the margin psNaWy irJerd to you. The ehanpw Al b f ts he l d M b& d i an he error a pto rn appaaa . ou osn r?F ou gramme IhlWar ranter, but dakp w Mg not ririd?ut m not area arty or a Wra argsa or any deco, hding gdod v e o ea m t ea ay yer V per o each moral. C==your riphm h your WW, pct w do fdbvre om You mass and aeomit mentor do dollar 2. A= Daily tWws rr Nw Purdr 1. !. Assessment of W, Ova" and Returned pepnwt Fw. , man of do suspected actor, a of do mer A. Rnmft dregs Is rNd4red de daily balance of each mgme t of You aeeaat h.¢ ? each dvaro s ler nd v adr ecial t urchase) has your atoan Ml be assessed ne mere ilhm tee d the fee gated hem tut occur during any bWm period. Under the toms of our customer a aatrr we maerw to ri ht to ad an apWrdon, B peaa6N M you belim them le an ma; r if you need more infotmadah, s description of dr fea ou . ab t Y b t he m p , a p a raw k Purc e. p by the daily podode meals) drt has been prodary m you. At the and of each m y p g w'alve a not to arc say lee Qclrl a rhodicirsi to vftmx veivi ng err right to arse the ems or In r oo tahar t y or . ou r ro w pay any anon h White we oo k but you oo ail m prey the liar Ober tae not d ? the hNng apply tla daily pstloee rats for anti sepmmn your account to the dell yy balance of each at a her hone. 6. Yea Aaamat. If a merabemNp lee h qra on, Is we imntdpm ar itlwh, we cannot nalwnt you u ddtV arm or t Y. W motion to oolbct the egwm. Then at tlr and of the hmiq paned, war add up the ra.nlu d free degv eala6tlarr m adw m eriods inn ce dw a i ud as nrt War add u the non the from d tNs vuwnat. you hew 30 Gaya fin she dole this ofatamat wr mNad m you 1. avid yyq to lice or to how such #w credited is ou amour you cluesid . P g q p . p t h reJte ton each segmad to artM at the local perbdc g y R You catboat your seoarm During has MMd. you may t,t special tare For Clock Card Pu 0- lrnaaa charge b yaw account. To gat tlr &I balance for each apart of you accused we tale 1M wgrwhg d o f cendntts to use you OCCeun W thaut having m pay to nwnbadap fse. To cancel your account, you mud alt U l R tl b W If you hew a problem wkh the gragty of property or ssrvkso tht you asd Mdh o toed[ blvd and you au balance or each "g o" and ad my new tmnsise end any pw throe dupe ealWatod m tlw polar Z: balrwa?fr that ob m we the sWtna ar re y w reaerthan a q err e arr Department y c+ and pry Now Bianca' In lV laaclu ft the ile to the and of to Wn maroarh fw) d d d hew tried h m Colr.et the prd', wklh the , to right rot m goy the writtp may merchant- You have ave tr t wm ty pe is su a crocks pasted se of that day set am Neared m then aepara. This gives w the soparsto dally balance p p y ay pa o & N You Clew Your Aseouht You can mprot m class liyaarr axon by caill err Qroomer Rd cams ci s p in the wnNo You have War tr Prphue woo have thn protection or%:4vm price for each spent of your account. Nomwe, N you the d h 1 1 I l oapinmaw. You met destroy your crock nrdld ad d M d N d " hBh aw.00 Ord pudhw was media In your tone aais or mov Address. whim 700 miles of you of we own or own m you ptsvkvr sunscreens u (or New Ba ance s n if your new balance wu van or a crock amwt), new trarracdos vtach pct to Vatr purchase or speetel account access re , cane preau ie g, Z=--% your N you de not cerncal aeraganare vve wN ustriden we operate ^ ? or If f vve vas noted id you the adverdrmem far dr prapOny a aavkse erg aachesr j f =h- aepaanta am not added to the dNy balances. We l l al ddi i ll h d ll , receipt M a char p your auh dzinkn to mqm your A b l Ad i i ll r bcat on o putdhew.) en Plow" rem r berdu- off 1 corn remember to sign .1 corr ea n ance by a ng a au:;;:age d y b t e a y halarices and dwdrp the van by the number of axon. y, yatr account v not e c osed d t ona ttd you pry all anmna you ow w Including: my the days N silo current NMng cycle. To calculate your total a /nrnea che s bahnnee the eu awra e aa trmsectlar you Mw -*.hat in i ace charges , pct due fees s-ii fee ;;nQ ment fees a cash t per. not apply to mhamwr ron-ersdlE card aceorae rt rg , li g y :f y h tlw hil6q dWy pMode ens rd raaMr :f bb tr , , p y , advance fees and any earn fee award as liar t Dose not apply it, frehtess rtonaredyr earn xcwrnts Period. Dw to raMrhq - a dNy bads, them may be a NOht valance Mtwwn this oslcuetlen and she man of finance do s Actuall asseaed account. You aro rsapanWNS for these amours Mader d" apps.r - your aroma at the am you mghmal to dose /r aeant a the am barred subse ent to w 0whall Or- fisupports Information ply WoucUan: w our wwppRRN? y g b. If the cods Z or N appears m the from of sae statement ' y qu your request to don the acco rt. This may mail In Capital Oro Is a fsdarNy registered service mark of CapIW One Rumlal Cor otatlon All dyts nwrwd a 2003 neon to Balance Fhts Applied To; coo mJdpty the wham dagv Mluu a of e h aemert W wu rhwntNv durpu appearing on you axon aha you hew rearmed the acorn to M dined a sn remaarw of p Capital Oe Ol LOLIfAK 8226M np -t Native, Paymerse you mail m w Mg be crocked to you eecoaev w of the bwinese day aro receive It, provided (1) you send the gotum potion of this aunemm and your deck h the .rtloaed mnttance arvelupa and (2) your Is wtrived h our proamitno rover by 3 p.m. ET (12 mat M). Pbam dkm a Most five (6) Wdrrw day* for postal delivery. Paymma received by w at ally other bcatlon or In my odrr farm may rot 6s credtetl_ a of dw fieryy we racdvs ttrcn. our Dwdrnwe ay..re Moc,dy duwl/h Satwayy, aaludtp hoaya. Pleas do not taw eagles papcerMcs war velnen pepaMtnppp}Rwe?a PoPuuaut. When vent w • tlheck(sl, you auttrtzs w to make a arilme electronic transfer dealt lrarhh your bank eebas O dr ag ol you bait secaa using the clrckial?dre? treeafwd ? the bMq cycle even if seen by smear else. If we carrot process the transfer, you authorize to m rh CalaHa Account First 3 months half-price 9* 4 a month; 59.95/mo. thereafter ?( Z, FREEAccelerator' ae<,' weft rav WIM up b 14 xNalwa SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.coiWgo/opal Previous Balance $3,357.70 Paymenn, Credits and Adjustments $282.40 Transactions $1,912.15 Finance Charges $73.82 New Balance $5,06127 Minimum Amount Due $196.00 Payment Due Date July 03, 2004 Total Credit Line $5,000 Total Available Credit S.00 Credit Lim for Cash 51,000 Available Credit for Cash SAO At your service To oB Comm Rds6oos or to rcpm slat or stam cud: 1-800-903-3637 For five onrwewsuet uivieo sad speoal autorovr offal, In on tart www.eykalonawm send payments ra said ieptiria I. Attn: Rmsatana Pmvcawmg C.P W One, savien Ca*done senior P.O. Bar $5147 P.O. Boa 95015 Ridmeed, VA 11576 Rid,mond, VA2328S-5015 m m u 003 peoplepa- online 1-/ A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! 9 Email Virus Protection ® Pop-Up Blocker"'I rqj Spam Controls 4zop Smart Dialer ,wp i:W More Email Addresses m=P % Internet Call Waiting PLATINUM MASTERCARD ACCOUNT MAY 04 - JUN 03, 2004 5178-0522-7842-6453 Page 1 of 2 Payments, Credits and Adjustmatts 1 o4 MAY ELECTRONIC PAYMENT $147.00- 2 17 MAY BOSCOVS #78 CREDIT 25.49- 3 17 MAY BOSCOVS #78 CREDIT 45.95- 4 17 MAY LERNER N Y INC 0808 CREDIT 63.W Yew acheduled payment has not been reaeind. Please remit the amount due appearing on this statement. If you have already made your payment, please accept our thanks. Transactions 5 02 MAY LIZ CLAIBORNE OUTLET # HERSHET PA $31.99 6 02 MAY PFALTZGR 00000661 HERSHEY PA 17.78 7 02 MAY OLD NAVY#5348 CAMP HILT. PA 148.00 8 03 MAY BURLINGTON COA00001693 HARRISBURG PA 198.96 9 03 MAY AC MOORE #013 HARRISBURG PA 7.72 l0 o4 MAY GIANT FOOD STORES #SLA ENOLA PA 37.91 11 04 MAY BOSCOV'S #014 HARRISBURG PA 117.72 12 05 MAY BOSCOVS #78 HARRISBURG PA 25.49 13 05 MAY LERNER N Y INC 0808 HARRISBURG PA 229.12 14 05 MAY CVSPHARMACY12321 ENOLA PA 33.16 15 06 MAY GIANT FOOD STORES #S1A ENOLA PA 1726 16 06 MAY RITE AID STORE 3611 ENOLA PA 11.% 17 07 MAY CASH ADV. 01 ENOLA RD ENOLA PA 101.75 18 08 MAY OLD NAVY #5530 STERLING VA 89.33 19 o8 MAY READING & GREETINGS ENOLA PA 40.44 20 09 MAY GIANT FOOD STORES #S1A ENOLA PA 30.00 21 09 MAY HECHTS #29 CAMP HILL PA 26.49 22 o9 MAY OLD NAVY #5348 CAMP HILL PA 1750 23 10 MAY THE HOME DEPOT 4120 MECHANICSBURG PA 78.78 24 14 MAY CASH ADV. ANYJ742 WERT ENOLA PA 302.00 25 14 MAY FAMOUS FOOTWEAR #14204 HARRISBURG PA 69.98 26 15 MAY KMART 00091231 ENOLA PA 36.11 Flnanee Chargers Plearararreazarideforiasportont information B./ara.arr P-& C_ ? qN114-11- .ay APR PURCHASES 33,85021 .01082% 14.90% $4&72 CAS H 587132 .04082% 14.90% $11.04 ANNUAL PERCENTAGE RATE applied this period 18.76% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5178052278426453 03 5061270147000196002 New Balance $5.06127 Minimum Amount Due $1%.00 Payment Doe Date July 03, 2004 Total enclosed S Amount Number. 5178-0522-7842-6453 Capital One Bank P.O. Box 85147 ?J 1111a IIIN I I I I I I Richmond, VA 23276 IN 1s1mfill] mlrIIN llur1luJ1nrl1ur11ut1 Pleaseeuritryonrmroaatsewn! my= 1N.,jNn.te.W.WaA- .& ern dG.rs hbm unurN -R.4;a6 Saes Apt J Gq Snm ZIP Home Pb_ Alumae Pboa #9015613561148556# MAIL ID NUMBER JOANNA L BALL m 924 WOODRIDGE DRIVE ENOLA PA 17025-1545 n .sue o . ?nml??uml?lunm?m?m?minul?r?s?u?nlm?tlnslr?r?u?ml'u mherkwnaryorderm depVaKetoCapitalOmBankandmailinthemc1a;edexWape. r ,Q Qplepcr- online 924 woofJRw£ oRrA better way to Internet. ENOLA PA 17025-1545 UNL71MITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.convrgo%pal PeoplePC is solely responssk for this offer. and is not e6kated with Capital One. Capital One does red provide, a aioae or guarantee, and is not afliated with, any product a service shown here, Any trademarks mentioned )emin are solely owned by the respective adty. All rights reserved. By responding to this offer, you may be comn:ricari g information abaa yourself to the colipany that prevides this product - for example, tint you are a Capital One customer. 'PeoplePC Accelerated: First S mcnths of service are biped at S4.97 a month; 59.95 a marsh thereafter. 12-month commitment required for PecplePC Accdaaled. hlodh-u-ktaih pricing with no term commitment is $14.95 for PeoplePC Accelerated; $9.95 for Pw*K Orine withal accelerator tacMdogy. Offer available to new dial-up subscnben; at least 18 years of age and may not be redeemed with any other offer. Oder subject to [!urge at any time. Phone technical support avadabls for SI.95 per minds tYAM PeoploPC Orin Acubrated, certain Web page text and graphics wil bad faster when compared to standard dal-up Internal service. Actual results may vary Service not available in all areas. Access fees, [axes and other fees and resuidions may apply Phase tedrical support available for S1.95 per minds. For questions, cal toll-free at 1.888.5TRYNOK 02886 PeoploK Inc. PeoplePC Orstu and the PeVWC Logo are registered trademarks of PeoplePC, Inc. Trademarks are properties of their mspocM owners. N "Is Reserved Service not available in al areas. Access fees, lazes, and other lees and restrictions may apply. Telephone toff charges may apply, ever) during Trial perfaft You are resporable for determining whether a call to one of our access numbers will maul in telephone loll dugek Aaees may be linked. especially during times of peak usage. Dlel1p numbers may be Changed at Peoplei dsarlllen Continuous use subject to timeold procedures. N use is stWJ to PeopiePC Onkneh Swim Ag ems i and Acceptable Use Poky. 56K is the maxnsan speed of service; actual speed may vas! 0 2006 PwObPC Inc. N Fights Reserved. PwplaPC Online and its logos we bademedts of PeoplePC In the U.& and other countries 0 2008 Cap)W One Services. Inc. Caphal One Is a federally registered service mark. N rights reserved. C6 b. A- vm ifayo yyWar. TNo VQj You not t amI tc W.h To "WW meal Para bh« td 2. Avuag w !lift 8 O O I O N lbw if ya old A Fiww Charge. d O ha l Y i i i d f periodic nee. To obtab ter average dolly balance for do your account N It t oe . w ¦ m ou T ran grace per o o wllham /rnarmco charge m nevv, ptrtimaw new and by We smn?[, wo rob tine oo of ads sepnrrK ouch dr/ add an rrw ME iI w aWrrltM a raoelva tM [roue[ , ranofin, now apadal purOrnsa and rmv other , each mgnwm, and wbuact any pa?nwnts = sccwa: ha been i f you &% your Total Odanc?s', In ith V Y i N b c ti f l or, & . (If Vr cells N t?pwn on ttr iraK of We ' T der review of The, r rpaw o o w ow, ce or Payments e w for h to be aedimtl by your roxt sutanan Bdwm Rho AAFpp1sd suamwi read to o: vw Wo subtract ary upset iume clrlgs ihdtdsd In to bdence and you will be net rtlataawi p lot to our. Then Is no graft period m cash /dances let trsrrmrs In addition dim is err eriod of oacn oeyr?ortl The dew u der dspy belarre of satin w r t Te dd N th dW 6 la Ib d m bo ch m t bi h . , 9. p oneallon If ou do n tea N t a O v rn . rry wo a e a ncw r a n M d b. d di b d ai aoewtt wro 11 k 7 y evv o p n y aegrrem er rp re y er e« ranbsr of days M der period lute gives u der o . = mu hewn ?I Ymrrctlam uosdln Fimrmw Chage, Terra I& which a o rat . linty helwmee of earth saPmmsrt- an summit Mwos d ) grace 1) i ArrW Ratty IANR. B. No the w Alai Some About ate of tMvaraedan or « 2) 2) from The ate the to dome a. TM man 'J1naW Peroadaq Rau' may appear a proddo a drek w p mod r d s P Wa yda of tM Wd hlig pod. /1 i Y, IT. It the c de V*n ), LL (3-m BOFO, C Rlordicam of oaonie fund user Mara to wad emwrnrernt doWq for Vr Faviious month, Unpaid loan cMma Thin a a F ri*4 segmerst e at w gw F« eadn oberngg pmlod l hart he in wp e ct =11=11,00 wYl b l n owa mif orre 11 16011 R epe pp / yo u M 70from (4d he 60 ? aMil Wt i f r . d w . , v va e ra t rt em do $0.60 m i r man r d tlr dffanrce vd6 be an com wry ma a ? h a y w W Rtl 6 Fi da ; th Th e m hwo rrya. . e moss any or al finance durges for any given e Rom Abe e ly lslanw OrmbolikV New Prsheswl. 4. Asaa hags to calculated mbiowelf der daily Your a r each sCgmorl of you account (84p.,? cash udrw e" traelaf and s tarh s ) ecial aaad fin e u f p , W p p , a o mearm6m daily periodic mu(s) trail has been m o wales « na dad d m ynu At the and of each ay rrYo oed", we apply 1 h a Pedode ma for seat - a d ?mT?yo ? . The and t of M the fsdarca of each add hWi eriod ev lk V p , er up n of der 6W calculations We at yaw e for each add u ones du the appears on do" voW y p p the total pA c each s a a to t N you a oue d ;ls . To urye far you account. To pet do a/ylM?'Z?o rpead of you account vw take The ftgrrwng continue to r skit MOnerht alld aed Ma1Wy new varosetlen alodie anmahft valen s rnaiaulamd m 1M revlar notify us and ce p nee for Thai sagrwm. We than subtract ar?y d f f a ail d d h a ae u poste a o at y t ocare at am swan. This gives w be sepermo any balance & N You egrert of you account. liovwmr' if you wW The l I k 1 f vce a n t ewn m yar pav aus summon W w brace vess:«o «. orsdt amomd sew no vlieh tea to your pmrdmsse or aperfil aocwd anal caw prwtthoiz erg me to ore not added m the any brace. We receipt of a x your er?q Ch CCw or lJmre m. Is you Wdt you I I met t mrm?Y hh Fl slewnr d an the IT a Bea you ro a/, Per fiat bin an rAirh nor ce1 oIr Qmseonher can closed. For oxsmi an a mterdwK and we a m«chru aka your accent vhN be romper e added w your ascot paymwlL N din In a =by= td d abov a account cannot be e Ciesk Carwrmbra W hen you to our drok m o4kw an r air Ymnyou bank adcsut a m o a eIrOR ema 'y n errs be witNdrdra?seeks r-b from m n our ?rr o avr? nw your benk. lc not Iecaiw your check back from M. rrla About Your B10 wV, or If you need more m «ti/ wdw m tom a m pesshle at the ad6er for n ore z stn mmoft We mna n (10 aye after - son you the robarw an me remc day of your Trig Pen" Y°t+y r rrnw~ rid iaant?n[b r?tN dollim t of Low, Dv~ an HorunM Paymri Fsm amruit of the aapxwd error, a dswrptlon of do enor ro man Vr two df d hen cu s h and an apWutlay am, why you ba6sw then Is n a u&V a o Th dut oeur dabs any killing paled. timer The an errar, or if you more tlay • dseedpdm of ou customer agreement ves meow to d& to f &; d ifi i i the then you w urn abort You a net haw to pay airy to ssew airy ees v pr or not cat on To vvalvbg our right m aver the sew « InAlar amornt ti question wMa : am thIT, but an s? em grey der of o ar b g f saam rot r y as t l or o q " cannot Awwes. If a membership he Your report yeu w de6mquaatake &W amlm m comma the The trot of die statement, you here 30 amen[ you gft+s>ok he doh this neuroses sew maned m you to the he a to haw such tae credited to you you scoaa6 Dmafrg this Paled, you mmy i,t Special mat For Credit Cad Purchases use you account Without havig u pay the few To cared you so..^ you nwet ca" our Customer Miamians a If you hew a problem whit to gritty of property a wMces da you Mdm a credit cad and you New D in N m alarhos- full iclu hg Pala to The and of the W mMaY PMori row sled is bleb to detest Ties pablwn with the n1'0u may how the right not to pry der twwiNnp or selNeew m" ha ro et anrslt on to thi You Aswud. You can repast to cow mt by ad" our gaaner Relation p p ry w s oNy tlr ptadrse plea sew man Urns w You must dart our am& caNW and W t P Ih home a y e ducks, ca pl all presWrdzed bMhV, r s Of o of your WWWV ark within 100 m or of your t ore ailed yo of " even or opomm; the a i w e manta ytu d K ydir scorn. if you a era canal d pr ? w ty , purchases; an covered te aolw of strut a m or ch ) upe Yav a dzaiim mapm Ya+ kaarr/y, your account wit not be =meal p ew. Pteaw msnwnmoar m rgrm M cvneyadwmw. y al /owns you more w khdudna arty you haw a dad=ed, ltamme c alges, Part b nraaav air caedlr cad a t Dour not -PV ern mdimh mw, :tuned psgrnam loos, cadet m and sorry odrr fees aaeaod u your -smni p y vdtlru manbeWp pa yaW memDxmap Clow yyaarr scftta Deparrrtrt sca t i Does mor apply b b,&- mamcn0 carol accomrtt Parted. Due to raednp m • dNy furs, temtn twy ba • mftarK You am responsible for Ores amours vNrther OapI? vrebmko supports idGrnwan privacy putoWon: moo our alpht wtisnos favwn Wa ralaaatlen and mtma smomt of tfiney apgr mccaat a yen aesanl a1 The =yyoouu magimsat io One Rnarmde dramrp aclmWy sasswd they an incurred aubeoqusm io a vrww. torn. ON b- If the tads Z « N mPDOSra on der front or Wo sutement ydoe tieou roq m: u [dose the account. TNs may resW in C4.0 Fi Oro Is s h d redasnd Bereft lwrk of 3 C. I ro>4 u ' Bolrmca Ras Applied To: vw muhiply the ehargr rkq an you aeearmt clew you haw Orr irnhdol Corporaarv A71 dphhts reserved. o 2003 avoraw ale balance of each aegmoa W van InanHv ..w,.dacoem 1o be dosed or 11r mowcno of u:apla One Ol LOLBAK 15519M inn or t K%clm paymants you mall to us will be aerated to your account as of the busker ay we moo w IT, provided (1) you sad der baton ponlon or cis slatemem and your dock h der oMowd mrnhtahw arwaiuper end (2) your reent to iweiwd In oir procoming rower by 9 pm. Er (12 rim fm. Meow slow at Iwt five (5) briar aye for ponai a0wry Payments necsived Dy to ter sorry War bcsarm a in hy other Ram mry rmot fobrr a.dted w of der ayyws mwiw tlrm Our Durirr aye an Mwdry zMwyh Sauay sadWrg addaya. Haase de rat use stsple+, pper cop. etc. wfim your en. When you nerd tars deck(.), you aWeae w to make a astime ehcwic trader obit Th , an youZ= wcaa fa tie amnwrt of der dick 41mis wshoritaippkes to dreks received dais The Dnkg cycle scum if wn by saira» ebs. If we ramp[ process ve vanh, za w to make a charge against your bait suwmt using The dtxk, s paper daft or other Item. 999 CapitaiOnee Your Credit Future Is In Your Hands what'sinyour 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. 999-,10, Ca ?e' Account Previous Balance $3,357.70 Payments, Credits and Adjustments $282.40 Transactions $1,912.15 Finance Charges $73.82 New Balance $5,06127 Minimum Amount Due $196.00 Payment Due Date July 03, 2004 Total Credit Line $5,000 Total Available Credit 5.00 Credit Line for Cash $1,000 Available Credit for Cash 5.00 At your service To eaU Cwtomer Rdadom ar to rep art aloet w stden wed: 1-800-903-3637 For fm onhatucwmt my m sad spe id owmw off», log on to raww.apimloneeom Send paymeab to: Send ingoinn tae Atm: Rw ittasm Promsing Capital OneServieea Capinlon Serdm P.O. Boa 85147 P.O. Ban 85014 Richmond, VA 33276 Richmond, VA ZMS-5015 f a e n PLATINUM MASTERCARD ACCOUNT MAY 04 -JUN 03, 2004 5178-0522-7842-6453 Page 2 of 2 27 17 MAY KtMART 00091231 ENOLA PA 2615 28 17 MAY EXXONMOBILI8 09655531 ENOLA PA 20.73 29 20 MAY TARGET 00012542 HARRISBURG PA 50.78 30 20MAY CVSPHARMACY #2321 ENOLA PA 18.06 31 21 MAY FIND LEGAL FORMS INC TEL3239349899 CA 9.99 32 23 MAY GIANT FOOD STORES #SIA ENOLA PA 45.59 33 29 MAY BRICK HAUS HARRISBURG PA 42.30 34 03 JUN PAST DUE FEE 29.00 35 03 JUN CASH ADVANCE FEE - - FINANCE CHARGE 14.06 You were assessed a past due fee of $29.00 on 06/03/2004 bemuse your minimum payment was not received by the due dau of 06/03/2004. To void this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. V PLEASE RETURN PORTION BELOW WITH PAYMENT ??'Jle 0000000 0 5178052278426453 03 5061270147000196002 Pl rerpa;.rm.J;,a6eJh r*rrilrGsgrr lr! -IN -M.4 Rk New Balance $5,06117 Minimum Amount Due $196.00 So-an Apt I Payment Due Date July 03, 2004 6.n Sues ZIP Total enclosed 3 Home Pb- Al- Phone Account Number.. S178-0S22-7842-6453 p Email Address Capital One Bank P.O. Box 85147 Richmond, VA 23276 #9015613561148556# MAIL ID NUMBER JOANNA L BALL 924 WOODRIDGE DRIVE ENOLA PA 17025-1545 Plewe unitryowaavant number m)vwrbak a nwney order PwJepTaNe to Cofita/OneBnni and mail in the enclosedrnvdopc. Capital one® what's in your wallet?- Th. steps to maintain your good asdk am presided by Capital One, in conjunction vdih Consumer Action 5vww.cornwmaraalon.org). O zoos Capital One Services, Inc Capital One is s federally registered service mark All rights reserved. 15519M Drpatarx Noting: Paymerxs you met to w VAN be aWt.d vo your acooux aa of the buak»n day " mosire It, provl(bd (1) you send tha bottom portion of this natemore and yax dssck kr the adored ramlttarnw arnebpe and (2) you tarn kr rewind In - pr? ,g wmor by p.m. Er (12 noon P). Pbaae alb. K koaat On (5) buairame days for postal dMwry. Payments nawind by ua at try other bwdan or In try W- farm may not be aeA[at as of:. desyy vn raw(re lures Our busbmw day. are Malay though Saluday, wwkdng hulzys. Please do not rare plea paper cis arc, vdnen preparkq your peynsax. yAsm you aerd w • dneckW, you wlnd:e us to make a ass•time ek -V ft trorf. debh from your Dank accwrs fa tha anroux of the dtsek. Thl aahodtatlon appWe w d Ugcb rewind tkakq tho DYisp cycle oven if sax by som- .be. It .e omot p- the tranler, you and . us to make a charge agairm your book accant using the chock, a papa draft or other hon. I I Cafe, Account First 3 months half-price zT A, a month; S9.Wmo. thereafter SIGN UP TODAYI ® 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral Previous Balance $5,061.27 Payments, Credits and Adjustments $250.00 Transactions $83.06 Finance Charges $60.50 New Balance $1,954.83 Minimum Amount Due $148.00 Payment Due Date August 03, 2004 Total Credit Line $5,000 Total Available Credit $45.17 Credit Lim for Cash $1,000 Available Credit for Cash $36.63 At your service T9 al Custama Rdatio- or a report aloft or state car L 1-800-903-3637 For free onlineaomunt sevic9 cad special otstomer offers, 1% ou ox v .apitda mm Sad pymmts tx Smd ingJ160 tx Alm: Remittance Prooaimi Capitd OnaSavim Capital One Sancta P.O. la 51147 P.O. Bea S5015 RiAmond, VA 23276 RAtsoad, VA 132654015 PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 JUN 04 - JUL 03, 2004 Page 1 of I Payments, Credits and Adjustment, 1 11 JUN CAPITAL ONE ONLINE ACH PAYMENT $250.00- Transactions 2 04 JUN OVERLIMIT FEE 3 27 JUN PIER 100008409 CAMP HILL PA $29.00 54.06 Finance Chugs Plarrcrar revnferidsf6r important information Bd-arch Aris& 01 - R ytarla raft APR CHA ar° PURCHASES 33,972.01 . 04082% 14.90% 848.64 CASH 896856 . 04082% 14.90% 811.86 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT a? 0000000 0 5178052278426453 03 4954830250000148008 New Balance $4.954.83 Minimum Amount Due $14&00 Payment Due Date August 03, 2004 Total enclosed S Account Number. 5178-0522-7842-6453 Capital One Bank P.O. Box 85147 II 11111111111111 111111 Richmond, VA 23276 11111 11111111111 I1 11 11111111111111 IIIII 11111111 11111911 11 11111 Pleare%witcyour-aroard numbooayma Ne-jo iata aaldrei aaYorrraailr6mdrrkA--.VW- ariraA & slmea Apt I Gq Sum Zip H- Phome a? #9018613561148553# MAIL ID NUMBER JOANNA L BALL b ao 924 WOODRIDGE DRIVE N ENOLA PA 17025-1545 b 111111ItItII11111i11111111111111I1111111111111111ILIIIit III" o%rh or money ordw maiepayab/e to Ca pilot Ow Bank and mait in the evebsederrwippc 003 peoplepu online %--/ A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerTle rE?j Spam Controls Smart Dialer Phisher Security Intemet Call Waiting r peoplepc- online U A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go%oral PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. Al rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 16 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1-88&5TRYNOW. Service rat available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for deteminirg whether a cal to one of out access numbers will result in telephone toll charges. Access may be limited, especially during tines of peak usage. Dial-up numbers may be changed at PeoplePCS discretion. Continuous use subject to tineoul procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K 6 the maximum speed of servlee: actual speed may vary. 0 2006 PeoplePC Inc. Al Fights Reserved. PeoplePC online and its kgos are registered trademarks of PeoplePO in the U.& and other countries. 0 2006 Capital One Services, Inc. Capital One Is a federally registered service mark. Al rights reserved. ta>_ maosa- aaa? 1 H a ta>t f a. a? teases- b. aaaaaaae a>_ = tF a? aa? ?_ td 2. Al sates t>_ for o am to riles Wid rats b l h g ances loget a er the days h tr a flr a chat", n o ! dMV oadedc ate i ID n O ? „ t cod Dw o rcu >1? wl{alaw MI Arharne drape sa b.Mir wdeZ«N d N rod c w day e I 16296M m Nnsrt row period of g * o n sa w urchases saw vetapa mwy erase,. to pr ttg tcverod by tee vhe tab tr ? r h sower If It nor aunty boon dosed. For asample, f you ad a prcMw from a mtetdrm and we a , aap a W s other l ave arcs o oarw?tpnw[ each dry. adpd+yrnrywsnaw ewapc each d ct ary nwlva the tmnse from the momheru afar yw ewer[ has been dm4 your 40MM VA be wopargd New S w' , in n tbtlw Ion peymena DNOVV, red by yw rtexi paamem or ue61o. (M cob N appwn m tN l We ataonmanc nod a BYnw. Pia AOpNO ro rh pro arbva« an ta sq three dri s"l i d d n d b l for raid you MAPAA wi betM =;R W ad1M a Yar cis a rsa paymsm. N there I. a ea paled or w>n advanwa hits, ten . no w ire poled y p p m lt a r a ance of each Tlia ') ?'- s the daily y bMWw of each sepnenc va add N the dell ¦Iwhws for each Yo mollDOaWp fan ra Your rtcwtrw, to fee Von catorse to be cMrwQ, a tlo = M pemimM law, uor the aocwu blamer I b Yd h N not pay 1M tool New saOrnerht for t e b?rtg all (t by to total f d h th -b d TH k F m p s c ce ourn bAnM ebma. 7. yyaala,?? Year AooracYow cord a socar coot be = arrwMar an rot yd" asesased I n- 1) dra e ar o ays e per . g m us the e mW A% dally of each 3 l APR R t k tcratertlan withany iwamac 9seblbp trarwomfor ~' p or eah 2) Man the der the . een eae a s C I. a. TM bI 'Aweral Ihetr?tage Roe' -Y appear s ' 4. Nodes Abtsb epas t]haek you waim n, when you provide a desk. k " r w ? to w Account or 3) iron tr =rocl. Addltlmtly, APR an the Mar of lhb stebrttara. L N its coda P ft W. L 0-I. DB010, C Kahl.. o1 use homtobn from your drek ro a rtlme Wearait And 0--m er from year bank seven w to tw predae chews oaplnw to accrue to Yd aid I M belance Is Dop=, «8 Wonkeerd Prime) app ers an to for of tee wamatr rod to rte rate(q, tr polatle rod to d # w pours the WAM s a drat Martuptah. Worn we ua hbrmaim fom your drek to cab an eraraic WF ? ? ? p . n rgw, even If nor bMwted m rte tom of corre rase an PFAf9;yT A G FtkTr9 may wry grrrey ad may, , or dompape bawd an rte etacad hdks, as foul h ran WM1 Sneer kazl tmsfer. Fizzle may be wltldravrh from yaw barb aaoorr as soon s the tuna day rN ropier yaw paynaenc?, and you hMa rher roedvs your dnedt back from urtanaerw deabtg data, but old azlk Ua fatres ringer Aw"K pke the mends arMO? dedaeed to you Thew drags vh9 M a cell bur ooyn dr Iket dry of yar l yrhur Jirtartdal Yhetdrtiart. a, V ign?n W Yaw Aecourt. bMV yard msrM by yew (mode. atacatrrr a &WN3 WOWS SUMMARY my was averse vied are Your E a psatodc i ?thei 1Mcat to end of the het wlalaisn inns aadl sae epmai to ndw nor -count. To area e w the ataeaow. wf pravk taroera i yar pu t added our now the nuN ¦ a anrerrosn G 171 W If the tie V-=of,= eta stl he dffaaerce err be var ac an ar 4 We reserve the the MW for arv dwn coil sac Nhaeast. a. Maas Am the deny Yaw ra. LL mash liveeda d apaeW puchow) terns N Ih. bean waive faros owe each period, ve add up OPPau a see[ -110 now the d ll bN W arc roes your aacaua. H yw do non caned °autri:N a-Vennaro, we A coreWer a h a y ahoea . by adding all fie daily receipt e of Add charge y ?=aeoaad 0 m be toed am by the ramMr of tone You pay an araatarr you own w k cludina arty To calculate your tool bMdrco p dN the varreedar Yw hew artartce cMrps, pelf d it m ? ly y M w of drys in the W9 tr s. ova mk tea, ta PeNoae fez, cwlh advance ter ad pry otter Ns siameW r your ear, tare may bea .maser. Y- taro refharhelr for tour aaotaaa rdrrh" Ilan old tr smash of =.=r m yalr eeeotm et to ills le --vt or they err hanad ft==I. arw of this ernematt you ropeM to cow the atsaaw. ilia rwV reap In era mcdply the teergr appeerbr on Your aernun after you haw w owe You tw to by tea Te by carrr a ((YIAy CpuoontIWf iOiffc EnM Or QteNarr About Yw BW your as Mort malortmr bor If Vw nead ill wwdo to us m a mar Marrrtlah m rats separate sheer ex noon as pean6b at the address for tai the her from d? you m °m the hot tall tli Nawiaa. We out pits that bill o W*h tlr amrr p a th- 80 dnyn ohsr ern we you the ipat ed our Cunturer Palkafna rnberr. but ddm so vA rw OvaOot cal Fiabnad P+Ymarw Fete, soarer of the antgocted snot. a dsdlptlai of the surer assessed no mac than two of the fen r duim airy Mote poled Under the and an npla adom N pouble, of wAy you balm then M s eta; a if yw sad mar btfm m a t r k h a tooth ton of e4A to t he kere about. Yw c1m not how to pay any Fitt iiO fo aess the amts cr Wandler it v a a l p nl i an err ~?tz pa IM eon W oir led tlyia t ant. If a members* Ise y p y a rot In rfreatlon. vac hmataaa *nod^ report You r dean4tatt a air any aeon to collect the of fie statemao, you hove 30 arnoaw you r}eatlon the aurearaso era meted to you to or 1. have audit is tzadted to Vac t,t special IaJs For Cradit Card Hrdres xotax. Ualrp #& petfod, ys may aceeuw vvlphari MvMr to rv M H you hew a ptobbm with the tw.ry of property or aavkee tlrt ytu ptaelread wWh a 1 11 mmdoW you Irve vNd h Vood faith to tenor the msrcharb, youonmayp drMrow the adVsar vkartewo pYwW thehvaraWarraP4p apapatt rise perty protactlort oNV when tr puclrsee pier cos stem tern wso.oo and dr prchw was mask h yaf o p within 100 mar of yew If mdIkV vve eddies. Of vve we awn or er adapw dso thant br tie pr or oplfertwye nhNwMnbYaoau, N p?q,a?a are tamtad repardles r. enterer a b dorw t oT pudrs.i Pie rearmber te Mgrs all aareapondaw. t Door W apply to aanaarmr won-Reza wN &CW-ft f Doves not apply to brrb ass nonavoMr RnW accounts Cupid Om nyporto Iromato privacy Woodicm: see our Cupid 0- r a y mostered epNp aunt of capital One It" Corporation AM dglws reserved o 2003 _ Important Neticau Payvrtema V- MOM to ue wia be caned o your mm" are of the buelrhow day vac receive It, provkbd (1) you and de bottom Paton of tit staternem and your dhack h tr erslwed mmimsrtw ertverlr rd (2f you peYrmow r rowived h w aocsakq writer by 3 Pm. kit (12 rcatPT). Plasm Mkrw at Ism Jive (5) buMrww days for pond dWvery Paymas received by W at arty other location or 1lnngmy other fam my riot be aWUd_ are of the tlsy vie receive them. 0. Malrcw days err Monday Woudh Saturdsy, hollda accww kr duwamourat oft check TNi aW apritlorh yar ? r ?o you w a drega), you aurrdxe us to mob a wwdnr alecmmk transfer tbdt rr yafan bade r. appkss o N dreb received durhg dr balhag cycle even If sent by so ore elm H ws carvct process der varefor, you audcd:e us to make a charge agaiet your bank aa:aaw uakq the dick a paper draft a other kern. 1 $ 97* 4 a month; Ca1?11a e, First 3 months half-price t}o?ereafter SIGN UP TODAY: 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.corn/g?ade PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 Account Summary Previ=Balance $4,954.83 Payments, Credits and Adjustments $.00 Transactions $117.76 Finance Charges $63.98 New Balance $5,136.57 Minwum Amount Due $302.00 Payment Due Date September 03, 2004 Total Credit Line $5,000 Total AvaMo: Credit LW Credit Unit for Cash $1,000 Available Credit for Cash $.00 Atyourser&e To esllCwaomc Rd Lions or to report a lost or stolen wd 1-800-903-3637 For five online saount m=II and special asosmer offaa, log oa tx wvrtvapihloneeom Send pgmenis tea stood inq&6"tx Aft: Rankta ftProoming c4ildoneswim CaPitdoneSavim P.O. Box 85147 P.O. Boa 65015 R1&moad, VA 23276 Richmond, VA 23285-5015 ® Email Virus Protection ® Pop-Up BlockerT11 Spam Controls ? Smart Dialer Phisher Security Internet Call Waiting JUL 04 -AUG 03, 2004 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appearing on this statement If you have already made your payment, pleax accept our thanks Transactions 1 05 JUL HECHTS 629 CAMP HILL PA $42.74 2 15 JUL TARGET 00012542 HARRISBURG PA 17.52 3 16 JUL OVERLIMIT PEE 29.00 4 03 AUG PAST DUE FEE 29.00 You were atamed a past due fee of $29.00 on 08/03/2004 beaux your minimum pay=at was not received by the due date of 08/03/2004. To avoid this fee in the faaccy we recommend that you allow aleast 7 huimex days for your payment to reach Capital One. Financc Charges Phm " rraerxridefw iVorlanl infwatdios B.1 -d, P-ofa ? siyrmta .dr APR` CHAR e PURCHASES 14,193130 MN2% 14.90% $5L71 r`AtH f%939 .010006, 14.90% $1217 ANNUAL PERCENTAGE RATE applied this period 14.90% T PLEASE RETURN PORTION BELOW WITH PAYMENT T Ca e, 0000000 0 5178052278426453 03 5136570250000302000 New Balance $5XX57 Minimum Amount Due $302.00 Payment Due Date September 03, 2004 _- Total endosed $ ? 1 Account Number. 5178-0522-7842-6453 PI jr;,res.esasux..-or-14-1,ktea,,,, 1,V.aM-E L s Gry Sna ZIP Home Phone Al-w Phnx EmaO Address #9021713561148556# MAIL ID NUMBER Capital One Bank •? JOANNA L BALL P.O. Box 85147 I,lulultl,lulitttll =? 924 WOODRIDGE DRIVE Richmond, VA 23276 N ENOLA PA 17025-1545 I„tlilt„Illtt„tl,ltl,l,tttll,l,l,ti„1,1,1,,,1,1,1„I,I„II 1„I,I„Illoll III III It IIII III It ll,loll III ,tnlltit pill III III III P/rars waifs jarv aaouM atrmbrr on jroer rbrrk a monry ?dn mode fayabls to Copila! OnsBank and mail inlbs rnrlond snvrloPr. peoplepc- online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! F peoplepa- online %__/ A better way to Internet. JOANNA L BALL 9 4W , MITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade PeopkPC is solely responsible for this oiler, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. AN rights reserved. By responding to this offer, you may be communicating itormation about yourself to the comparry, that provides this product - for example, that you are a Capital One customer. 'Peopi Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. 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Peoplei Online and its logos are registered trademarks of Peopli in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. AN rights reserved. aaa-? rnraaa- ?? ti aaaaaa- a rai•aa- aaa>- M? _ b. aa?a- ate aaawa- ? tG r?- sr? t -t d 2. N ? a aa? a? rr_ id A Fiverm Clrpai foal. You will haw a nhbRlaan piste Pam of pabAe raw To obtsn the svempa defy balance W the 61' 1Na atatNlNft, wa lobe tan bIDfrq =- dd t Pit account H H no air"w Dann mace. nor aampe, Pit aulwAzsd a tlf nW afW?yar? Tram 1w pan whtlou In eft on MW purchases, nape' rattan, new apaew =row, and raw oNer ' • any nOW . all, a t?Daloath aaPrMK Mil to each Mgnwt, once wbtratt are pawtw?o rt of rria h N tl d IBG1 your scioci MI be Isolated, axwt has bean cloaa k to rnouu of Vr Grrga wit be added to yar eoDOr+a Bsahce , he I you yar tow W wIR qr YrponaDt Hodce for p ttm below, or asdte. (R tr co cep ?n on a t a sutmeK text Is'Ildtns Rata A?opop?ydd To: we also tr elan d d I d A , and you wO be raapatarN ter Partner[. H Urn Is a to fee will cerdntW mosnbasd his, for your scoout on W It to be aosLSd by your next stanme t to. Then Is no grace poi on cleft advance l , n estine aLrau any tspsld irate of each aaerer) Tli (Iwo u Ur dray bsler? of each dd aNry bUrree for each Th dd ll d , p to be inroad ao tlr wtwU pwrsdW 1w u d Ur aotoua Wnce Iw ben PYd NniM_ u d:r& oboe s tretNra In adddoi then Is no Taos pedod ewacdn It you do not pay to teal Hew ee w eo we a p a aeptent aapnsn Ra Uhs Ding ppoaloted ad trite by to toe sneer of (hers he tr biq pahed. TH. plvea tw to 7. Ueer Ywr Aaewau.Yw and a accost anew be he carhac 111i, whh emy ktsnhet gwndep Fahanme GMp. Tra cod" witch am net 1 a grace posted sn Marini frhanos durye 1) deity bsanM of Path soWnws. 3. Anualsehtpa Ala IAPRI. trannexions. S. Nodw Abort ElaAwds Chi On w mi When you data of to tnlrectoh or 2) Item the dam tr .,.,1 m Your Account or 3) from In n he 6 a. The tent 'Anne Peacami Raw- may appear as APR' an do flat of tits shnnoslc ptovi a dhetk M Paysem, you slafhedM W si to tors YhbffirAi h fmm year dick 10 make a nrtma ? :70 der ? ow abitg o AddUanay, no pay the -New Balance ban tr PWAMN It. If to code P tPdtns), L prod. 1.10010, C (Gnlgum of Depot), or S 10aNtwd Pdmd appun an the front of a M eMwnle lead transfer from your bark aeon[ or to proem tr payttaat an a elrck trrrwctlaa When vw naic °n+drek m rocks, n Ns( ea kdMMtln hen hod In fu. Ilhete charges caatrn e to scars to dd bean red t e uhpsd bsante W geld In fir. a c Ws Rateltaant nose at tls Panhedaf ma(ak A0 v rave and ?teMadrq AMaAAL E W.TES . u Y rud trader, fade mry be wkldrnw from your bank r tut you w wit oyes fketea Nrpw, eon If M sndw New Stance kadwind on the from at rosy wry Waaty atdmay lei, or deemaw bawd on dm wad hedose, as loud In Teo WN Sinai aa:wn an som as to Mms, day rn tepee yypprr paymost, rd ou vdN rot teaalw your churl. back Ian y Knelt by tit next w WAMI doiq dam, but did JDUrW, put to morn pwlatly dacowd m "L M will tea j=n tr low day of Your Th ft Uw udmalwh. your BnosrJY h ter tsr psviae mordL Urpsd 7noswe charges, m Uhe sepinrrk of yea AcCWXftd Fines?sh(gq7eweccftp. or each blip Pori teat ase e g bYiq pwbd cowed M your pubic statement adrp In Ur main .troy, ApB. JW osd October. coft a ta, l) fl BILLING RIGHTS SUMM AY (let CaM Of Enos Or Ous,Wae /bout Your SW L if dm 1hICE dfA)K2E s $0.60 VO b r her durye tewdtYU lam 1M aadpdon o1 your ippaosa on tei ehony BOR IApRWd Mtahail'l statement meet m dr PMOVole = t. nn nbn sloot an uamrsoMlwtor till, vvi at d. to?? W atsW M mr ben 10.60, vW vAp w6uact but 1 mkdmun and M dHemncs wa be mm 4 ft and t? AMaAhL 0ERATM mry A dst»m bard M tle wry amy iferaaaa of ? W g S6 t A 7ks W i+gddes dewh on the hall M Ob KMWM L We mat has, hose you no hew tlhn SD dare eater ors sent you do eared You can roblem a B t hill n Al" h the errr or h p Munw?t of s eearn. u d rM R.... y t fkrw ahrpe Ws mrrve the wm , p a M . wad khdan, as lead h the mwdn p, dsdoead to yat? m detpM ;= pp p e 170 our CkWwna RWWfam 111716017, but dobp so will not des u tlm kBwNn hn h at Mtaa d ' Wasser cry or u Lotion dhargna for any given Iitp veldt wp be arhecdw on dr MW day of a.d. aterd? d p • r , p N? Ism-stlar war wns eel aoetet n1716w, tlr dicer my%=7pt?ww hl. he daN 4. AMaemat of Late, 0-i eel Returned Psynre M A Your atxan WB be mewed no more tent, tvW of the taea armtan of the suspected army, ahaapdM of the erar and n wtolonai awihe of why you bWtm throe Y i of InIb d d it you scaaat k east da NOW teas Res omu drip try hire Paled Under the tomidefy-oustowertipsom ? yet mem an amt, or p imt wl L a ne vou a. unsum about, You do not how to pay arvir the k K it but ou A d a y kV off IMt 1ewidaiounot to asses, fees vhdwx pdor t wsvbp arriight m au the cam 1 a "lot nM y am , lf dm sit not r h A m PM the parts of Voi ' w d f or *0 day ram at a Y rb rsi fee d If A y m. ? w br twtP your delinquent or tale my 1M to tolact t the ra ft ds`f balmis of each f to Rrap posted, we add up our d d n k t t p esau . a mM e au 5. appear M t is Ran of IN. summa t, you have 30 trove h dne tNo statement row oWMd to you to ds p amount you gtewlom at o ar or y t a wdh wprnwM. We add tip to p avoid ppaa?Rhp tan be a to Mw such fee eradted m you ou ma i vi ri d D - i s F,t Special Rub nor tacit Card PUci a onto at M total pandit our. To pt " dell y balate y u p a pe o , y H you e Your atoam.. ca catR.re to rasa you accaot W dim he" to pay ate If you how a problem with the tyrBry of gapedY or xpny yvt tsks o. boyhNp rel add my new tranaetlon meMaWip La To erherl yar aemn, yea new nobly to by CAN our Cm ntM IW W rod Deparment aeMceo 1hI. you wWh a oath and and you Nor tnMd I. bkh ro cornet to problem oath the ceps calculated at to previous h L W ape pay yar New Balance to w foodu*q tr e. to is and of 1M tdnyday padod meroesi merchant, you may Irw to rldt nom pry the rarhsldnp w Wo A he l p d e t an w tna ?vy tit an of *wt day tut an allocated d ll be p p S. H You Close, Yar Aswan. You can netts to close G m Gtwternnr RdaUatr aarr aecetat b r t r propMy or Nw c w o o M Kim" oNy wfrnr pm ptadhooa plot row mew prrt w aro a d R m R ( ( i nds us the operate a y H you pId the However Mmu t y yy pdm Yaur aR Carded ad OspY17rt. Yee meat t5 ja rw row ma e h y w t ho Ptre wittil 100 mace of Yaw mal6tp autlrsea M yes own a (If t , . r Pnrlas summa[ in Rd (or actions: access checks, coital all prona ot=ed Wlitp, pwaea 1M mordant, or i _ to mYOd you so or • end[ anhohan) nsw erls u aid. or a aid osws Wrp your aecwt. H you u1. na erhod p-utmdz d Wlkp srapanents, wo van oaridw asverWanat for to p?wcy a aanMwe. N wrdraea artMes of arwt a bawler of purduhw ) an wwrod rs P p P added to tan dnNy balances. We eddi 8 t d n s rOee{,14 of a change r4= m raped Van aatanL AdddonaavhH net b load . p Plssea member to dpi all wnapwhdaw. r e y arhos loll np a 6 rep tr ausn W the numbers e ° aw It trill you pay aN amounts you owe - kdwlw arty it a es iM s- e ,o poet norpply m Caa.eaar con-aowe -W nowgis t w DV nhs daFy w a p e ntrrlbet s dare N Ilhn 6hpnp sh ,R loos, wtod payment tw ov La , duo adva c e fees and arty oiler teas seaweed to yea F poet not pplV to brerneu nontiredlt tied aeCamfo t t1a1y base, them may be a Catttiel{Otl and dM anent Of account. You aro rapaelhe 1.r less dem you tai to vvlh a 1. l at te d hey lppe.r m you b you to l0 m to t t N ,._•„_, ? supports Ir lornis ton privacy protection: sss our ,A,a?eka aI W Wes.eapka1o cm. nr heaed tament MTt ..r' front,,. of din a hrl.a e s y a. Iru eepro don the aeoaaa a roy an in yea rogaamaerie M ues 14 claw the vm aeeaut ssoc T after Vos haw you he" derm capital pre he a al ."i mark of GFroI 2(_q_f lr" f ie s ry __ ^" °roea reserved o 03. e.,, NftaEraew Bence ahmW tctl?er? e balarheee mpot er as g the day. he to am p Rnanos dhaMs, mi l d t d n o e ra e I o pel rlad pr to roe Ps 0 n .IQltt wdah e a berv a e r g HeodeZa N+ b c?.r . row to 'asrrce R 15235M trrMm" Rbtls: Payments you man to us w1. be crK ked to your aocvut as of to homes day ors receive I4 provided (1) yousped tan bottom padm of d* suuemwm and your chi in ft is=t amIda e, arwolps aed (2) your p r." he noshed h our pmrakp vumer by 3 p- ET (12 noon Pi Pteaw aa- at least 11. (5) burhww days 1. postal dapwry Paynrrta received by ut a only enter location a Yt any odw font may not be u, ad as s dr ofyy ?ors recto tom. Our 6uhhow days we Aluday Wau{/h astutely, emdudlhp h l PNm tb na use n+Phea ppa cis ac when papadlp your p` ymah4 Wtmn you and ue • chscklal, you autuirl us to nuke o are-dms slectraic transfer debh from you bank accent is ter smart of dr cook. RNs +udwdtwbn appnss tel checks retsved dekq to baip aria sun if tai by eamsao sae. If ors mmot process to transfer, you auufedta W W mks a dares apsne your bark eccotrt uwbp the crock, a paper daft a other Item. 041 Financial difficulties? CapitMom, We can help! what's in your wallet] e Good credit can be important for getting an apartment, a cell phone or even a job. e To avoid risk to your credit rating, call 1-800-955-66oo to use our free Check Your account is over by Phone service. 3o days past due. • If you prefer, simply use the payment coupon below. • If you have online account access, log on to your account and pay now at www.capitalone.com. The purpose of ttds letter is to collect a debt. Any information obtained w61 be used for that purpose. ata4oa O 2004 Capital One Services, Inc. Capital One is a federaly registered service mark All rights reserved Account Previous Balance $5,136.57 Payments, Credits and Adjustments 5.00 Transactions $58.00 Finance charges 565.77 pLAT1NUM MASTERCARD ACCOUNT 5178-0522-7842-6453 AUG 04 - SEP 03, 2004 page 1 of 1 Payments, Credits and Adjustments Transactions o4 AUG OVERLLN11T FEE o3 SEP PAST DUE FEE New Balance Minimum Amount Due $5,260.34 $459.00 Capital One is?e? to reno? The Heart of America. Foundation, helping children learn to read, Payment Due Date 2M October 02, , 2004 e succeed. and make a difference in the world. In 2003, we gathered newly Si million worth of books for children in need. To learn more about how you can help a child make reading a lifelong passion, Total Credit Line $5,000 visit www.hewmfamerka org. Total Available Credit Credit Line for cash $.00 $1,000 As a valued Capital One customer, you are eligilrk to receive a free Year-End Summary that recaps Available Credit for Cash coo your 2004 charges. Plesse call 1-877-794-4497 before December 12, 2004, to reserve your copy. AB orders will be processed between Jamtay 15 and February 28, 2005. At your service You were sauteed a past due fee of $29.00 on 09/03/2004 became your minimum payment was not we recommend that you To avid this fee in the fibre the due date of 09/03/2004 eiv d b To callQatomer Rek ion oreo report 1-800-903-3637 alost or nofm ard: , . y rec e allow at least 7 business days for your payment to reach Capital One. For free online soowat Mike and rpaisl artwour Zan, log oa to: wirmosphiloneam Smdpaymeatsto: Said inquirieste•. Atm: Rerameee Processing c4td OVA Services Capimlonesasicn P.O.Boa85147 P.O.Boa85015 Richmond, VA 23276 Rchmond, VA 23285-SO15 $29.00 29.00 Important Account Information Are you registered to vote in this yen's general election? Itb not too late! There's still time to register, so go for it Your You can make a difference this November. Call or visit your local vote registration office or go to www.riayvommnts2OO4.com to make sure your voice is heard. EYtry vote counts[ Finance Charges ion PkauJa reome ri i mfwranf iglautnis defor BalwatKr Ptrl C i + ri ( R&H APR pfJ$dA, tsar PURCHASES 34,215.68 .04062% 14.90% $53.35 CASH 398163 .04062% 14.90% $12.42 W c4 e ANNUAL PERCENTAGE RATE applied this period 14.90% V PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 5178052278426453 03 5260340250000459007 M.mpinr,weiifmd:!Fear swY r-s+a;Idagr+IdevinruyHarorN.eF neE New Balance $5,26034 Minimum Amount Due $459.00 Payment Due Date October 02, 2004 -- Total enclosed S 1 Account Number: 5178-0522-7842-6453 Strew Apt + Snx Haoe Phone Aloaun Phone 0 Pan lAd&- #9024813561148551# NAIL ID NUMBER Capital One Bank o, JOANNA L BALL P.O. Box 85147 l l l I ll l II l ?? 924 WOODRIDGE DRIVE tour utt n ? Richmond, VA 23276 ENOLA PA 17025-1545 LddrrlLer61Irn61611Lrulltill rrettrlLlrrllrull,d,l LrtllLrrllLrlrrltLLltlrrllrLltrltrl,LLlrIrLltrLLrll Pharr ssrirryarrr mroanr awnbrr ors your rherk or eaonry ordn sudspayable to Crrpild One Bank and mail in the radcred ravslope. r 1 H f s. a t. td 2. A- S. aymerd. 0 M to tot aspnett am bile Ift r«cdaM V h bounces regath the lope N to Ansoce drrge, daily w dMter N?ht vadaroe ! frmKa b. If tho ode « 'Balri. next to -,m dgv-U 8 g ? r chwg? m as mMinan paw period of 1 ha DiNY ter durp on now prdraw, new W adw t d dal bafin term rr¦ ¦n - purc n apo ar toW ' Balance', I. or en Ngonrd Natty for prytn:w below, wow ? Graternent er yow 00 w Woos cash advances an ? of 00 N addDen, gMrs N De yraw paled seen yes do tea ay tts tool New aloe Trannea re wtdch am not overa cod are aaared lnerwe dwlp 1) 3. Must 1 tlnsoceln of 2) hen led date ge a. The t od * yar Aoo m or 3) from dr APfI In crrera don AdddruhY, um to parAous b. It** Ui Hanes dMpsa curow to acco w to >0 gs urdd be' , - is paid N M. ae rain ¦ ndtW11h o. ng be be mtpawa n tM I]6 rNnd¦n of yar ll vrlE atblrrl iMt M dfbrrKS vhi be Vaal b. We re rs. art h. We r the the rotes lot any neon vii rc *4tM 4. Aar n( err Wn Mimed l d spacial prrrehe-) "M i(a dut has been Volvo Of oath ?dldlhe you W !done rata eawcffii Ira s dance of each period, 6. pean, era add tQ appOe.! M ywr,ccwd If It ham already ben, n you aWMAaad a hen a rswivo ge v.nrctian Am tlr me aam,ed has been dosed. Vert ,era a hark era add- N dal dMy balanw for oath r the birt wd d by tlr tact .occur b¦Ince Ira Dean pre in on as wmn sows. 7. Via Y: Arwe.Yar talc « award ersrl be Y M drys in tlr Feld. TAN *vs w dal N aaecdon rridr arty torher 9wr rt Ey balm of each ngrnwd, daN Rr- fAPRI• tr:teaalae. B. MdNs Ah A.EbolraJ. Mask Orawarsfr6 YVA:t yoe gnat Pw'wrd+gs =- y appear r he hard of dnN ale prww. a cheek as paym:d, you ¦talhoriae w alder to tae NbmMdn hen yaw drat to arks a crhFiNM P Pallas), l (3-m UIKIM, C OrtlAcaM of elaeeandp And ttaMfer from.yrr bank scows or to r 8 Oldiard Primal appears on the front of ) g bd Ptoeeas do pa AS • drek tratwd4? VArrt Des un Nfonnatlon f.. yar drok to .alb an =vor c crace(s M ent next to to pa «re?p?r?p AhEAlAL PST RATFS Aew tronew, hrde may be wltheraww hors yon brtk Frrnily std nay Meow «d.erear band WM Shed w N Td anus as soon r 1M alms day vn roc" War ou iW rot ndeo yak A Dank Ian rtMrK nd a ed badwa. as bo s ¦ M mranps?ual t4clossA to you. aw E t d i M m t f fi y y , p yarn Mmhdal NatRWah. n ay o y o ll be e a Was w d wand by yar ?enodc .anmwt warp &lLN3 FUGM SUMMARY Apd4 ,Alh. rd pctobsr, tr Jwaery (N Caw Of Erne Or OwrNcr Abwx Yes 50 , P*n) F (1-m LIBgO or 0 Wow. r spews an to fiat of your n yyes0Y thlrhlc yoer 0 N twonph or n you reed non NbmlNan m a vrrwUn or bill, write re w on s ire n dal periods rata(q tM jsh?sdp rotas ) AOEAATFS may rp.nn afr« r soon as pas" at the sddrw for b4ides lriwn dal fro nt of dn. sudsmn . We newt yya hw ns .cad ou do te d 80 h l f Md f bW POO = : y rom you m m er a Stet bi n vdddh the error «pnalr •pasr•d• You ern RINUanM nnrber, bur ddrlB r mE ear Customer BM w tlo NbvNhO ar bWr dada N rwerw q pe yar Bnt day o , yn y p NNmWprc vaw nm e, and stew t rawber, tIM dollar f late, OvrtreR and Rabned IMA Ewa. wwxrd of the arpecced amor, a dnenplon of the staler , 'X vA be .cared no rates gin two of tM Nr d t1 bo d d U tlera N and an explwtlon, It Farb,=vial ou need mars nedpin of an emr «N er w v po t . n n dote durbt any aruorter Des reserv " , y do Iran you M rl:we abwr, yes do not hevo to ay wq. te aver rry?W prior = ,. + 0 our d& N awe do rued «elmYar :Hood N vAdb m ae hussillpft It, bur you n e6ErW wooden tlM of yaw bitLo nol, ar Aw:n6 If a wwManNp fee cannot n p;,t yn r deEn4srs a?iny giMaNmf or tame ec? n r ¦ frwd .1 ads otaw"Me, you have 30 rnam Y•n q.reotbM1 dale ft aNtelrnard err maEad to yes to 2e fos erto lrve writ fed credited to you S,t Sped.! Ada for Credit Card Racers your atxwd. 0ubrg dd¦ period, yes may M you ¦eeauu vdgur trvNB te ay tea 1f yes here a ptobism wbh the quality of property or e.. Ta end goer acoan, you nary or GLStdnw RsNtlarM DepwtmrN si rriM=== vrkdh a txehlt Dew and you roblem wtlt tle rrsct dhs t 'New or to ' N cad of to gd u f to Vil q to p h. t to cv mar _ as of /alt day that an allocated 8. N You CNaa Your A"=%L You Can Mqurt to nor tlar t ibl b l Q pap cdon orgy rA N6 Ifi. judMee wq mess umh w the -ante dally, balance is rid the (N f r enner s aaxxot y ca m ots Depwmhnt. You awe dsany YaM ?k wry and bWrte caned N crow l od .coat d xb !50.00 Dew gal purdrr err trade N your rove ertaos « v&*v 100 ntM of ywr mip :Aloes. Of m own or Ned he u or was eked[ amo ra) nevi s .. , waa , and mar uWp VDL award, If you do not creel neo A ? eda vn n t oper¦m Over mercArK, « you .E prGrer ¦dvwdo:mwt for gal property «awvlee. frw I f f " / l balrKOa Ws daEy fi =b- ? chi dn M rotp n ywr receipt dp of a a+ar9s peal aitlwh t ? our account vii not be closed AdddaW accord . wnwK « ww on o pra Des wverW npoNsw o PNsr renmrM« to dph all correspondence. n y a ng p ins t type. To y, y . INCILrding: any won yoall u h. wt fled L e. &.MW a: Does not a po/y ro .ttwaih fi r avwdall due Has, ovedtN fees, ntu-d psymwd lean, cast a Axe oot yp/y ro erbA. nn W can oce-ft o rweof yaw adVnce /rs cad any ~ N- r dWy ca dadon of awaapdp, sYw an tle /or r hwd to to w Incurred auD.e g c s M a ? arpponx, ? ?h, rurecdon; prorecdam, r vvww can s on the front of ads statement acoar « oy an o 1 P Yoe rotpew to deal gal ahxotad. TN. ray rsetlr N C.Plud One N a service mark of Capitol One flwndr Corporation Al dads reserved • 2003 led To: era mtltiply the drag- calk n you aoearn aAer You hew w Mar m tdrntLyar may have do rind not n py the renMkdrt nY?Y ariod. Deno rK n to or services. plop. ces. You hew this . C+Pid Ore O1l.Ol8AK 15259M Important Notion Paymwas you mall r w Vua be credited to your sccoUnt as of to Ixdrrr day we roo" it, pnvided (1) you send to botcan pardon of diva statement ¦nd yea check In our adowd randuane wwelope and (2) Yea rMent Is rewlwd I. w proaaMirq wmw by 3 pm. Ef 02 noon PT). PNwe Now at least live (5) bdrow day. far pans =Us rewired by w at any odes bcadon or In any odw Than may not 6a credtod a. or =L" rmWw tram. Ow brkrw days we Monday tdwh Sunday, exd xkv ys. Rear do rot tow steep., peter cilpi, vdien prepstkq you paYmad- What ya+ sad w s), you aWwdxe us to make a aro-khne operates trarrfa datlt Tram your Dank scram Nr Uha award df to sack aMMdzstkm aPPaa. n sY dMCb ncavad daft the bong cycle oven if sea by san-re sea If era cx w process tM verbal, you a.r. w to make a charge against yes bank accent using the dock a paper dak or other hon. Financial difficulties? Capi;ralpJ;l We can helpf whattinyourwallet?* Your account is over 3o days past due. Good credit can be important for getting an apartment, a cell phone or even a job. To avoid risk to your credit rating, call i-800-955-66oo to use our free Check by Phone service. If you prefer, simply use the payment coupon below. • If you have online account access, log on to your account and pay now at www.capitalone.com. The purpose of this letter Is to collect a debt. Any Information obtained wig be used for That purpose. 041-0404 02004 Capital One Services. kw. Capllal One Is a federally registered service mark. Alf rights reserved. C_? 7e PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 SEP 04 - OCT03, 2004 Page 1 of 1 Account Summary 1`97-11 Credits and Adjustments Previous Balance $5,26034 1 10 SEP CAPITAL ONE ONLINE ACH PAYMENT $200.00- Payments, Credits and Adjustments Transactions $200.00 $29.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If Finance Charges $109.71 you have already made your payment, please accept our thanks. New Balance $5,199.05 Transactions Minimum Amount Due Payment Due Date $414.00 November 03, 2004 2 o3 OCT PAST DUE FEE $29.00 Total Credit Line $5,000 -Capital 0 ?ro>dly sappertaC National Youth Anti-Drug Media Campaign P RU %A Total Available Credit Credit Lim for Cash A00 $1,000 i t1> - Stay Invnived - Aak Questions. To get the FREE booklet, 'K "' L- Available Credit for Cash $.00 4- ore Your Kids Drug-Free, call 1-800-788-2800 at visit www.TheA Atyourservice To all Oammer RdA&w or to report alert orsmles aid: 1-800-903-3637 Far freeooliooaaauat semaand spedal omwear offer, log m tx www.eapitalonaeom Smilpaymmytx Sadingiwieeta Alm Reaitusa Promrin$ C*tdOft&&W;cn Callislonaserricet P.O. Baa 85147 P.O. Ban 85015 Rirlrmond,VA23276 RAgggm4 VA 23216-50J5 Important Account Information Wam to make a difference this November? VOTE! Your vote is important, so get out there on November 2- Only you an make are your voice is heard. Everyvote cotmosl As a valued Capital One customer, you are eligible to receive a free Year-End Summary that reaps your 2004 charges. Please all 1-877-794-4487 before December 12, 2004, to reserve your reply. All orders will be processed between J 15 and February 28, 2005. As long as thin ben is available for your aacoum you must all in each year in order to receive aYear-End Summary. You will be notified in your statement on how to opt in for your Year-End Summary. "Important Notice" Your account terms have been adjusted as disclosed in your original offer. All other terms and conditions remain in full fora and effect You were assemed a past due fee of $29.00 on 10/02004 because your minimum payment was not received by the due date of 10/02/2004. To avoid this fee in the future, we recommend that you allow at last 7 business days for your payment to reach Capital One. FinanoeCharges Pk-,ffreo ndefarwo-tanfinformation BdmurrrM Prna dw C- s ava ?fvlh aft r . RMCHASES $4,195.78 .07096% 25."% $89.11 CASH $%7.72 .0709696 25.90% $20.60 ANNUAL PERCENTAGE RATE applied this period ? PLEASE RETURN PORTION BELOW WITH PAYMENT Ce 0000000 0 5178052278426453 03 5199050200000414003 New Balance $5.199.05 Minimum Amount Due $414.00 Payment Due Due November 03, 2004 Total enclosed S Account Number. 5178-0522-7942-6453 Pr<..p.;rf„rararal6r:r.rtrare,rilrbmrrr kt,v,?raNsaoreral 25.9096 Srea Ape a Gp Scare ZIP Home Pb- Alaanau Ph.. #9027713561148550# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 IIIIIIsill 1ll111111lrl 924 WOODRIDGE DRIVE Richmond, VA 23276 m? ENOLA PA 17025-1545 lulrlullutlrllnulrllullurllurlln[III III IIIIlgill nlrl ° lunlllurlllunrlrlnlrluuHIM "I.A'lnlunlrlrlIf nlnll Pharr, write)vvw artonnt number m yvrw rbak or mosey order m dilw5wHe to Capita! Ore Bank and mail in tbt nrdond envdpe.. r 1. flow To AvaN A Fhehce Chega. aca t a. 6 Period. ? w p i n L a ce pwkao ran. To obtain the average dally balance for the If" ddtl ? d dosed fw aoumpls, er=a n IF k hasalmdy been ftm raiaw. di a ucheft nt ..G. ft. t. rn•rd as ?Ytw ccha• e, nvW ir r w i d rrgeq m m 2 uR sed new odor dsige Hyoup•M y year toW •New Baiana-, In row a Wt M. e idt ePnan MCbb jr of • to each •apand rAvact any p•ynt?r or uadY. or the coda N appws an the boot of Nei n r ' a - soeotst hr been cloast4 your ameoum ter ba nopehdd. the rnouK or tM =Mr be added n yes aaca+a, t payntartt H that M • le esou wf be arxadece Wth tM hpatet Notlea IN iu ?a below, and In 1m• for It to be o•dW by your Doused statement dahp don. There Is no grata period on cash advances d we Ba""M Rana A?opopNged? o, m wnnerc read, m a6tract any vp•ld i van dmpe(nchld In the baerce of each wyt?wrc) This orve the ddY balance of each we add tl the 6M ha4rea for each T1 a L" Yy mahbesap ft V.. •aootet, the M am owdrese m b.0 dwaQ m tM aonet[ perr+imad by law, vM? to outman[ biece he been PYd In Ada dekrd above. and special tranokn. In adddu4 thors N no tgaoa pedo on any transaction If you do rot pay to mW Hm vagmnt rM1 egme t for I btrnp eel d by the total 7. llitd Year Aeesut.Yotr and or aeoaad cannot be 66 tt h balance. h t l N number of drys In dos psdad. The dra us the balehee of each segment. ? nmst ga tg l any h cerasNon y tresaetkn. c an no es n 0. A-Ing FIN Chegw Treeaa ah6(act to a gran period am aaened inane charge 1) escdon our 211r m e inm the dace o f the w the dam the Y 3. Amtdeetpe I'd." IAPRI. a. The tan 'Neel Peroatago Ran- may appear as S. Native About Dedro le Check Caneerelon, When you poMds • ch ok Be payment, you adwdza us aNrr m D r a e d Be ym Acoars at 3) from the p mrand s Wid er f re FY• to code S N P i , U BM. f b. H -- afea Been your bank sooKa ar to of , n, 1- A we o ti ndwCk transaction When ? Balance go pnNon riot pay The ? p u berg period In fig, Yece cMNe continue m accrue to D (Denkou C tlr pebdoe D` atatamsrtt recd 10 toAl LLcP6iCEHfA RATES . p fon fnm Ye+clrck to arlu an aMCUanlc =%r. fund illnsla fads my be W iftko eh from your bade Mywqf uqW balance ud to unpaid balance if paid in 1W, Tite mess that you may se ass trams charges, even H you pay the andre New Balance hdceted an h Lon a rase and may wry qts? rosily ad may Mace or dsetsre bead on the steed hdme k an filed in TM• WN Seat ou d b M l aeeoue Beacon y0 Ya1'Ydro sate day vas neaM Vwr fpaYmart, oral hletludahw naive your dlsck back from our M1vcW you statement by the ned snlansm doakq dam, but did M ri d . ac n y desati plus the m•ron y Yet dy a aeate of your Tfra dwga wM be aotw y arges nce not do a for h prMoe maim Ur" an atidad m h vegmad of yw Account. t a lirtaan Fhehe t7rg? Fa esdn billing pMod dot brktp prlod metered by Yot+peripdm - in to madr Jaretery. ApB, JW and omebar. MWN3 RIOKr$ SUMMMRY Ch Cave Of Prmm Or Questlee About Your 5M mYilM an It the ? b O b a ? 0 l l 8 Po G If the code k?Wrkn_-_ )iF (1y mo, an hInt of m wrua l'1!PP UISORR 1w ven dtliJCpt ( dm b kM h t a ppt Ca l w drq ?ape l'Md fnelc• d mlai vas MAN eMwct slush ( 60 ? hl tel X0 t de c D L ceded¢ na t • ( y d PF11CF1Jr A0E 1MTE8 rosy and or?t u e a se r at t alwt p poas kpult6s alsom en the front of the •t•temtG- We must soon - a , Ma . se pen o amount imm tM 10.60 mMireen eel do dfNresa WI be bred to the p slum a0ner ofyaur account. wry nronliy adm•y krxae ar deccie" bard a the anted hdeae, ea land In A& Wed Sbset.iotsea( PW hear hran yes ro later than SO ddeawy• ales [w ter yes the filar bib en Yttdh tw arlor of problem oppwad You marl td T.mpmary Radatien br Ares We ovate the dot to rot asset am/ or all toes duryeo for any given the medh p vlouii?ddaed to tai Thw dsriges each r an Yet 6y of your hirtg pled cab w Qrtater PAR nnrb•r, but it ft a W6 rot ppnrawwvvs? Yes ddtn. In Ye+latter, des us 00 bNowmp InbmWat yen narn• sod scooter natter, to doses bring dad 2. Aveye Day BYrm:1-== ti wp s. Finance cheap Is b to dally eassmnt of Lat4 OveYM rd peened P•yuert Faa. Your aeaoum wm be eaeased no fora M rM of to lee ed lhd i t morn of do wepsm d WWI • dsaolptkn of fe smr and an wpMrwial, If perbb, of why you bAm ten Y ou need moue Inba aft dent, a drerptlet of an •ha a H balance of each sagnet of Vow account fe.g., cash dwnce, Probe", apedal maMer, and q-w pudave) by the canape day I i I * rate(s) that hae been . a ng par o Rated hem that ecw during any br teems of you matoma agrearnien, vat aasya M ddd to waive or net to aaros arty face VA Mr ?d?r rodMJden m dot to same the den m d.4 l itl k y : rho hen you •n uree aioet You do not haw n pay any smear h questim whlb vas an iwatlaeM 14 Mt you an stn am py dos o! ymr_ bi(drt an rat p??.??u?a.J?.?? m yam At h and of each day 8mha the w.ry dod, vas apply to dM Paretc arts /n ousels q our su wa v you w }w K a later Mrs. In 4sabn. vas your ase6n. hue cwsc on m co6set the fm or to t d N 2"wri of your aceaml to is b of each egm.n. Than at herd OF I Pelad. vve add up p r dw a our l l ti 1 I 6.TRaawkq Vaur Aeennl. If a w benlip be a?peam an tw tram of tie sManet, you have 30 e mom to dam this slate-An v acs maNd be You to a ry report you r e rp onou t You geeallan do ar y ca t y cu a ons rte nee of pedode trans chame for each segment. We add Ip tM l , , h y avdd Nato h fee or m have a ch fas credited to you Duhp via paled You my ou u'rheri our aooa+t N i.t Special Me For Crack Card H.Wae per tota mutts roam each eagnaht to ante at Maros mafga tar Yaw secs nt. To gat the dell y behem for each •spnet of your -.4 wv take the bgraa+p , . y Y c rol n s m use your acoeun wltlerl hrAV m pay the mmMMdp fax To sand V. •ooanL V. mum If you Iew a problem with h qmW of papery or servimea tat yen vale a credit and and you balance for each magnum and Q any now trareaC"M N notify us by carrlg or Qetahe Retddes Dgwmusht New 11dw In RUN Wrdhrdfhg h el few tiled h 1•Idh m tkxnc[ the problem with h ot m the remainin h d d h an end rhY pakda /Yhrca derga doused an the pm for ist e+= We than e6tract my b f N e pay you rpWy P ma6salY 14 pda to is and of 1M tH ot n hartr you may ove t e g m er out de on to property or SKACM Yes Iew Wo a a ece Ye paVemene or aed a posted as of M day cat an allowed & H You Close Your Aaeoaht You can ogee m dote p qtly when gee pudna pdoe we mow ten KKOM to that aagrhsm. This ow to the aapsrete dMY baiathro for each gagmen of your at:aa, H you paW h Z7 ppususr account by nldno w Qrtnhe Rdairr oepenrrtent. You mum drtroY Your amt ced(e) and ad t#r al YI d k x60.00 and the puchoa one nerds N W Moe sus our whim 100 Dive of your faring admesa m rat own or hatm h furl (our Hm Bslance sbawh on you p. It your nsw balance was zao a a Cfe am-4 now d add q, s, can ec Dn assent acmes and sew vale Wu aoaut. H you do not erhrl va wi Carhalddr naurhedzet ng alrallgelrlelda ogetao is menders. x if re maikW you ds •dymWenerc for tr popery or ervlcse d prdheap edsa of ahwt or Mcela of prdaw es CDeered Is l ws a * twowdar witch pat te your pu purchase segnems an not added m h dally balarar. We ff ll d h , D receipt of a dsrge You ettediaieh to Fair Van on soeoum veal not G cord Adado all u t . p PNaw nape ben to sign all conesporde n e. y a celoutate h ,wraps dally balance by adding a t e balance "gai err eel d16Yn to can by the raanber of y, y acco n . Ind You Pay a amasn you awe tea htA - - dry t Doer not appy to ca sumac r-v credff eed ammaedS g tM Nye h h savant MReg cycle. To "woo Your teal Mess Barge, ofdddy You average daffy bah- h d bil (p I p ns yet a traraou cis face Markrit Road, nuarhed paymet teas, cash ohs 1w seemed m your d t end an 1 Over oar apply to Dus/xaf non•amdR sell sceotez» p ot rhg ds6y rate eel by cis IzmDa of drM In a vise osm y des for there am um .halo, Y p Pe Due m muting on a My base, then may be a eight vadancs bst a its calculation and to amount of ou an rsnpa attest. tlsy appear en Yatr amnrd e the 1M° yyoauu ma" to eht 16 h d 6 r On , k*mw a pdvacy protection: w w Capful wsbain N www. tom. I F i race s dare actually awsad, 0. If iha mdo z or N appears an dot iron of the satemen[ dtl l h • ay am mrra n sag des h nlOahrtt a k in Yw q m to clog to account. TNae s mayou Y rhaanw h ea a rkh en You aoewht du Is r service mark of Capita gda reserved ° 2003 ate m w p y Balaroa Rata Applied Tot: wan m roxt to am by =I MMIH p ry or 1h, M of Oro 01LOLOAK 1&141 M an w autnmz ed Yharce dsr s l le =ant Nvtkw Payments you ma to us wM be credited n your aomout as of h btsmes day vas receive It, poNdM (1) you sad the bonom potion of this sutemem and you deck h h -*"d temdmmhw erwaiope and (2) yes[ psynnant Is re olved In our oceaiq center by 3 p.m. IT (12 mat PT)• Planes allow at lest five (6) buskws days im Poml doll" Paymente f-I-d by w a arty Dien etadan or In ay odes furor fry rot be medtsd a of dot day vas r.W ft- Our bukvm days ere Matdty though Saturda lr, s>tdudnp holGya. Phew do rot vas e.pfe.? psPad dbn. ===911 eck(N. you t make a oro-4ro eernade trwis On Tram your bank outman for ftho amaan dot heck TM checks received dutitq the baartp cycle awn If if Sent by y samsaa des. Ifwe cannot gmnomes On vanMr, you auMdzs ue o make a large against your brie assert using the dock a paper draft or other ken. peoplepu online A better way to Internet. n1 Sur/ up to 5W Q FREE Accelerator for the 167412moetW- a 060 value! 1-888-587-9669 Mention Offer Code: COIN Visit www.peoplopc.com/go/Coin 00.3 UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: Virus Protection powered by Symanter- ® Pop-Up BlockerT11 Spam Controls ® Smarter Smart Dialer Technology More Email Addresses Internet Call Waiting Account Previous Balance $5,199.05 Payments, Credits and Adjustments $.00 Transactions $29.00 Finance Charges $11559 New Balance $5,343.64 Minimum Amount Due $574.00 Payment Due Date December 03, 2004 Total Credit Line $5,000 Total Available Credit $.00 Credit Line for Cash $11000 Available Credit for Cash Mo At your service To alt CLrtomas Rdatiom oe to report a lost or nom card: 1-800-903-3637 For fiaood'iae account arnica and special customer offers, log on to Said prymoots to, Send inquirin to Aim: Rahiuana Processing Csp One Seri Capital onescvieei P.O. Boa W147 P.O. Bor $5015 Ridmond, VA 23276 RiAnow , VA 23265-5015 Invoortant Account Information We would like to take this opportani y w inform you that we may report information about your account to credit bureaus. The reporting ofyour account information to credit bureaus contributes m your owerall aedit profile. Late payments, missed payments or other defaults on your account may also be reflected in your credit report. b PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-0453 OCT 04 - NOV 03, 2004 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 w NOV PAST DUE FEE $29.00 As a valued Capital One customer, you are eligible m receive a Gee Year-End Summary that rec-apa your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. All ceders will be processed between janua¢y 15 and February 28, 2005. As long as this benefit is mailable for ymr account, you must call in each year in order to receive a Year-End Summary. You will be notified in your statement on how to opt in for your Year-End Summary. You were assessed a past due fee of $29.00 on 11/03/2004 because your minimum payment was not recieved by the due date of 11103/2004. To avid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance ChmV Pkweuerevauiidsjorsgviamt miern%dws Bdaar.R Pnis& ,?f fm . mr APR PURCHASES $4,271.60 .07096% 25.90% $94.01 CASH 598116 .07096% 25.90% $2158 ANNUAL PERCENTAGE RATE applied this period ? PLEASE RETURN PORTION BELOW WITH PAYMENT cawift ;Me, 0000000 0 5178052278426453 03 5343640200000574002 New Balance $5.343.64 Minimum Amount Due $574.00 Payment Due Due December 03, 2004 Total enclosed $ Account Number. 5178-0522-7842-6453 Capital One Bank P.O. Box 85147 (tlu1u11ut11h1u1t1 Richmond, VA 23276 Pears wrileyourmroun! rrumbn oar you vLm,pi,.ro..;rssd3 r.aai/r6nr gr i.! _"V_ -;1.4 iat: 25.90% Soon Apt 0 Car Sm ZIP Home Phone Alrersae Phone #9030913561148551# MAIL ID NUMBER JOANNA L BALL m 924 WOODRIDGE DRIVE ENOLA PA 17025-1545 _? hu???uh???uuh?h?h?h?uu??h?t?ulU?h?t?uh?h?h?u?h?u rbak or moray ordermmkpaD•obk to Gar iralOw Bank and avail in thr earlard rav i?f+r. F o OAR Vl `- online PA-40 way to Internet. 5178 0522 7842 6453 UNLIMITED INTERNET ACCESS 1-888-587-9669 a h Mention Offer Code: COIN Visit www.peoplepe.corn/go/coin PooplePC is sdoy responsible log this offer, rd is not alNialrd with Capital One. Capial One does not P17Adk endorea or guarantee, and is not aildated with. any product 0, smice st wn hen. Any Iiadion-s merhCenad herein are solely owned by the respedivs entity. AI rights reserved By respondag to oft offer, you may be rommurdcatbg information about yourself to the company that provdot this product - for eaampla, that you are a Capital One wstmger. 'Peoplan Drina: Fret 3 monffxi are billed at $4.97 per month; $9.95 per month thereafter. Offer available to new crW,u subscribers at Most 19 years of age and may not be redeaned with any other offer. Offer subject to change at arty time. Phone technical support mdleble for $7.95 W minute. tAcealamtor is free for 12 mcnft Oiler good for Wed time hoer the first 12 months the Accelvated service Will automatically revert to the stanches Pwo&PC Orke WAce, oaa nbied to change at ar ma With Peodan Online Accelerated, certain Yhb page bzt and gnpra will 6ad low When compared to standard dal-up Wont seise. Actual toaster may vary. PeoplePC OnGns Accelerated Is only compatible with PecooPC Orin Internet service and sireatied Wamdowa0 dowsers PeoploPC Online Axelaated b not oorrpaide with WindomV 95 with IE 5.5 SP2. Service rd available haIareasAccess fees,lazes, and other fees ardrestrictions may apply Tel Aonetoll charm may apply. even during trial periods You are responsible for dote n**q whether a cal to one of our excess nunben will resuh in telephone to one". Access may be Inds4 especially during time[ of peak usage. Dal-up numbers may be dunged at PeaplePC's dsaellon. Cen6ndus use svW to emeoul pro sduea N use is subject to PetploPC Orine's Serkm Apewwt and Acceptable Use Policy. 56K Is the mucr m speed of service; actual speed may M. 0 2005 PeoplePC Inc. At Fight Reserved. Po*aPC Onfa» and Its logo[ are Wdemaks of PeopleK In IN U.S. and oMer countries 02005 Capital One Sa tea Inc. Capital Orm Is a federally registered service nark AN rights heaved. tt you wish to use a different credit card, for questions or 10 cancel, calf 1-000-682-6310. Whoa enjoying your sekcdm and annually thereafter, YO A receive a r1WiCe. Unless you cal to cancel, your riagazilde will comlue o W your account WIN be charged tore rats drown on the nests her the next year of issues. Allow four m Nan weeks for delyary. K a tNb becanss uninnallabie, N will be replaced with one of equal or greater value. Cancel anytime and receive a refund for unnerved o "No VaNd credit could required When you make a selection, you bwonw our valued custonter. 02004 NOWSub Martine S irvbes LLC (NMS), Four High Ridge Park, Stamlord, CT 08005 Is the vender and reserves the right 1o Nrt1N orders. O 2r004Capital Onnee Servbes, Inc. Caplfal One b a tedandy reglstaredservice mark Irsi Seryloes, ocl. NewSub owned anis Is sol ?mpoonnab for rv b of?br anddN ro eN AM withhaCrpbul One. CCaaappital Orso does enotspe?provkle, en endorse gnu traMse and b not affiliated with any uctt or servi e shown hers. By responding 1o this oiler, you may, be communbadrig hllorrrladorn about yourself to the oompatly that provides this product-for example, that you are a CWW One customer. 1. How To Avahi A Fib to. 2Qnsom s you pa aoMdacet wham and In time IN It closing and apedN un M any uaroack balanca, d A sn-0 hg PI,-10 . Il todmsat first rb coo dai did not psi ? unpaid bdm1, you ay the emir suumam Is not do so M the are added to to tc• Minimum, Film, accows tout q totd anencar c he bead to she pmc td TanperW hider biter to na era 2. A6 bNahee dwafQ°«d, by she essmetl pmvAudv the Maine sarataw ter ioatn of th Nheg ra from oed pomdo"O ?- Ntahce drugs a a-eaa? ter eadt ssmm? v ham a ehWnsm paw p«bd of new pudwm new o g g a rwrrea d t n Rlrq period cowrW by tAb w?r?Ka, ws take tlr ea c h Osgase balance of segmaa adl day, so Any now if you suhodzed a from a nrarctwrc anti taw naive the Egan do nwdwtt afmr WX d A b p a ch ap a t a al ioul ' New B Once N w a ac m w er a( mow- ds N appws m Na "f t w m e mcPK10 , account v accom has been clo=4 o - is be added . V. .0counk, 111hereles w will be raspor paymom and ve eeporti Nalm w peg m. Wow, re o be Gedoed by You two Unmeant ses palod on esNn advarrooe 110 no ad To statement rood to Balinha naa) shdxnct cry unpaid Nhirhrs dhK9s itcadW In do aeWrn of each sm.) This gives Or is doff bNahw of each Y maMerriP he for Y°ur acccua, she fee WIN c dram W be eAamad, so air smaaR pertNtted by law. vaN biter a d b ap hti In sdddm, drove Is no Brace palod If You G na coy the tail New tlpnatc T/rn, W+ add N the digyy balances for each sspnent fort= the M= tg? ad dvids by the toed number d ruled Tats ah'w us air r a ove. acccut bather Iw bairn Paid In NI w ds 7. Yw Aaesum.You tales or account curt be oared v%M Dry kcumrt enry"Ing Chaim. TrrhwcUar Which m not period an answers Lwhoe drags 1) v trrractim a 2) beta the der the daily Isdan m of each wginem 3. AMUal - teal IW-1APRb a. The tam 'Aumsl Perroentage Ibis' may appeal tl UNOWWoOL (11 . NKiw About F]sd-& Choek C-im, What you you march- ce ahtlsr to provMa ¦ check r pay seed to yea Account d«od3,) from the 1110 New Bsk.---pbom tM prMaw Additionally, APR- on to flan of tie auwrtam. b. 110 t Leo) de« Sp(arJr)card Prknhe)uaPPws m( air ftaa oaf . ch utl M«matbrh frmt yam chock w mob a -1,411110 h, '. trrtaedas When we grocer tM paY°wd a° d asc ba k , anus charges, ame ahm to WOOD to 1 r uY tfr u gild balarnea Is paid In Ul. W ate owe armwe charges, even It tats etrterrrolm mod to air perbdc rate(y 1M papAc rases and wmspa?rp ANa)AL Pf WA213E RA ES may vary quarterly and my an«esee or dommm based r e an s us I from yes drat to ma hand transfer, furls mw be WMtdram from yam h" aavum tl shah as dre fans day Ww recMN yo?m am drodc back ft. w aces d11w ns°tmarrn doelthpen date, but did W49 SVW Jvur r par to mar{/rhp? ?t- "' to y%L ail bee n ft WK day of your T y Wu hhrdN b Wtukn vdata Mmdu Unpaid trace chergis m° ?pppt1cshle esprham of type Aotaxm. yr. For sonar Dof Vous led art r gpqh bsme sm W bebop PMod awend by am, oaiode wtanam sharp In air madr --,.A- rdlhl. std Oacba. dl, a 0 13+no. if in& ? G BIlLN6 RIGM SUMMARY an Aw Of Error Or OhDaUar Ab" Yam BID U you need teas o am bat b If yyoouu di?et y l In wrong, or 9 you ee tc,?l PdaOE m 10.6010.60 vda ere brpaesa M fipn 1M aoNnlln of Yam appwn n air form of your eprkad M orit?iy) UISOOR R wtenron nsd to air pedode nzte(s1 the rodede nw Mon?h-orh a tril udon o bill, to r a te n mimmu, ahem as moon as Pont" at the aAktla I« t W Nr dun 0.60, vw vdI wbton tlrt Io.Fto nYinnan ad dD dRbrnro Wes b ad AMUAL PFACCFNfAfIE lU1TES meal vary m a mw bhelsetl «Gows bred an the u e mus IwpLM° Nh-n on the from of side mtanar. hoer hart you no bt« tlhn BO dGsyyae serer ws aem you eM which the am« a PDMem spp-md. You cen a bell w m aeOOant. Ian its Fltrrm Cchae? We terns the s wed hdesev as ford h 7Aa sYN Sbnt.IoanN, P dirJoasd m Yap Thoes d+aripom the n°rdt W°NaaN rm on W our QtKart« tWstlorm nrdw, but doing; sm will not ' i any a as Nunn crorpr for my Oven r on B firm der of Yam blNa Dew vA be *L h yam WdW. gM - the hNavkng Wm r do ?re your name and account comber, the dollar e Neer WNhasr6 algiamd ?yA mublplyahg air daily nhole oach 4. Aasem-nt of tale, Ova i as ad RmumW Payrearm Fesa. Yoe scoo nt YA be assessed no mrs, than two lei the ter d U d th i amo nt of the mtrapeeed era; ¦ dsseglpdah of the etr« end an aplwtim, H?o?1e of wwhhyy you belwa there Is a description of or If you nerd more MdomaGrh an era sismem of your, aaccount la.g. art and +Deda p.. her) We" trarM o n er e NOW hen cut wour during ail bbhg per utmm of lour amo n r somorrml ws fosenvs the damn , ; the kam Wu a° umma abet Ym do not )row to paY aw , Ygg hair daily yeu tl periodic erOOW that h. b- a o1Wch der d?Wh Ww Or not to amess ov my sasses the aamo ai« mlatr t wuiWgro Irwoodgming It, but You . sm ob?to k m oyow r wouastion, w cnot ng Perrot, We sae y s to shave at yoOr mom. We add hp the at the tow ppaNdc go she she bsQniq msl-nM tnsen Prr°Mdw day taut are J-md & =!n. balance paid the if ymm nw balm err zero or a crew anorm), new ttarrac= vddch pm to yam prrdrr a apadal purdmee saphrnn are net added to ft dsly Wanes. We ely calculate the awrapr bialy Wna by adding ale she ImIsnetl together and dtldrhp she me by the mmdw dof 1hs dry" in she awedv.beep cyder To g cakdats yopurytail d"Mroy? dIoud we1 dq eyrthe si mbpaa odYM+ In she Wimno 0 por{od Due to routing en " Gay bast, drore row bo a sight -1-ts, be,- shb ala4tbn ant h arrant of m It *. c darye °culsay asatlasd 8 N If de cod" Z a N aPP°m° n the has of this wtaroa N Than to 'Bal-ce, Rate Appled TO: we =Y the a. moment mgnmy-- 15509M 6.7Rarwitp Yo« Aeeoatt. If a man orlip fee repot yen r delingrm «u any s=lon to abet the appaen n the ham of die mrtamem, you. have 30 emoum yam Wtltlon days tear she der dd. me awed Pavan the toe a to I N you a yam, aemva. o-firr to to we yam acceu member" toe. To canal can rmuftet to prownhovized moolp of tir?yourr suModzailan to roapm you scorn m. Additionally, yw shroud vA nK b drad u a you pay el amounts you owe a IOAdw any transactions you haw auhodzed, lin-ce dmlo-, Pees due fees, ovomtnk lea, ntumed pfyment lea, own .dune toes and arty otror lea sawae . to yam som-L Yw am reghahalhie 1« these amounts vdro0ror duty appear on ym account al is co' yyoouu r°P°°t to doss the account or 1hw an haured a6Wamuatt to the socOn. This my « account after you h In tl ems at bind n w f,t Spade! Rule For Credit Cord Pachl m if you have a problem with the q alky of Property Of rMer tilt you lash a crack ail and you love tied h faM to Ormsa the Peen wish the rrrndrm, you may true rte do not to pay Its FKMWnp arnoum ds n she rmopsrty «sarActl. Yw how dim a nd tfr µado oryy waKt bits m waft ma =ms m. codmdehayam hair wes mtore tlrrt ants« loo rmbtl of yar IM-hg ailed You . Of ew own « operaadvwu the m for " r,pK=*" IfvDK a1 pulgmhess an Dueled agKr•am m « bcw d prch., Plere rsms4 to slot erg Omepadowe. t Axe nK appy to oaoannW nn-cvadn send a-W.Ws i Axe not apply to tws -m non<rrdlf cart -couws GdW Oro supports hbmrdn prMry pora)ar see ow weDNte K www. Om. Capkel One Is a fo4orally registered service nark of capital One RlwcW Corpontbn All rV" reserved o 2003 r-ka nr OILOLBAK importarm abtbr. Prymams you and W m Will be credited w yam accoum as of she bassos day we Isalw K Provided (1) you sad dro b-crrt PaNon of this natanem and yam chock In Ohs axlosed remio[rtw awWw- and (2) your Paymam 1. t.W-d In "gr-*V [maw by 3 pm. ET (12 noon PT). Memo Wk- at hrK she (5) bual- days I. portal dd- Paymsnu -fwd by - err aq oshar W-dm or Wry od- tam -ry nut bs G.dwd n e( me dry - ,"- dm, . O bu kr Gym ere Mond y dwe.Lt Sm.d. ,Xck dgig haGys. Pleat dD not hike Kapbf prpDr CkPa mC. == Yts yam Paymax. N7vt you fend a a croCIL(sl, you aidWdae to eD tlrke a arillM NOCaaio Barret dale!! hemp y0a bad aecortt for rhs artaam of bits track. This aq_ tikes to all dta ks MO Yed during the Diing cycle own if ear by samoorro else. If wo wvrt procasa the tramfot you auhodn w to make a dates against yow bank scroum using the dock, a pepor dah or cow kern. 073 1 Important Notice: ACCOUNT STATUS FOR: Your account is still suspended and JOANNA L BALL your credit is at risk. We wont to help. To see what you can do to restore your OVER 90 DAYS PAST DUE! charging privileges, take action now: as Call us at i-8oo-955-66oo for a payment solution that fits your needs. CALL FOR • Use our free Check by Phone service by calling the number above. HELP • If you have online account access, log onto your account and pay now at www.capitalone.com. simply use the payment coupon below. • If you prefer capita-low, , The purpose of this totter Is to collect a debt. Any Information obtained will be used for that purpose. 02004 Capital One Services, Inc. Capitol One Is a federally registered service mark. A rights reserved. 043-0ao4 Caplfa?Qt7? Account Summary Previous Balance $5,343.64 Payments, Credos and Adjustments $.00 Transactions $29.00 Finance Charges $114.93 New Balance $5,487.57 Minimum Amount Due $738.00 Payment Due Date January 03, 2005 Total Creak Line $5,440 Total Available Credit $.00 Credit Line for Cash $1,000 Available Credit for Cash $.00 Atyotsrservice To ell C stance Rdatim or w report a lost or stoles asd: 1-800-903-3637 For fieeoaLoe acaeet service and special asWmna offas, log m to www.apiaLknaam Send raymmb to: SmdinjAzies to Attn: Ran;tiance Proomint Capitol Ones.nee, Capitol One Serrices P.O. I=SS147 Rot Beat 85019 R!elmma, VA 23276 Ridhmond, VA 732854015 Important Accountlnfomtation Its Capital One Bowl Week time agaial Time in to ESPN, ESPN2, sad ABC cutting December 14 for the best in pat-season college football action, to sec you favorite teams fight for bowl championships, and forcollege football's dfitrmte prizes the BCS National Championship. And on NewYeu s Day, be one m in= in to ABC to watch the Captal One Bowl and we which mascot 1s crowned the Capital One National Mascot of the Year! m PLATINUM MASTERCARD ACCOUNT 51794522-7842-6453 NOV 04 - DEC 03, 2004 Page I of 1 Payments, Credits and Adjustments Transactions 1 03 DEC PAST DUE FEE $29.00 You were assessed a p? due fee of $29.00 on 12/03/2004 because your minimum Payment was not received by the due date of 12/03/2004. 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 Chuges ?1 P'b`"' PkeneleerevmeAkforIMparacnt salvia fnon Brtlmar r , Mia/M Cwrw?a p]?A? P e? ,p?lvl Ar CAAR .fPR rdi PURCHASES 54,396.36 CASH 51,007.61 .07096% 25.90% $9359 .07096% 25.90% 121.34 ANNUAL PERCENTAGE RATE applied this period V PLEASE RETURN PORTION BELOW WITH PAYMENT V Cpa?176f 0000000 0 5178052278426453 03 5487570200000738000 New Balance $5,48757 Minimum Amount Due $738.00 Payment Due Dace January 03, 2005 Total enclosed $ Account Number. 5178-0522-7842-6453 A'.arrp,fne,a d., a -,P --f,&M.kLm-1W -R.A ial Apr. e 25.909E Gq Sam ZIP Home Pb- Aberesse Pbone EmaaAddr- #9033913561148558# MAIL ID NUMBER JOANNA L BALL Capital One Bank r ?• 924 WOODRIDGE DRIVE P.O. Box 85147 lsirriiirniirsrsrli'i ?• ENOLA PA 17025-1545 Richmond, VA 23276 iuiriu ll unl rliurlrHIM If 11111111 nnsrliriniiurii a isi ° _• iuriiiurlll1111 1 r1 11 r1 uuii ai r i n i II i II s i u r is it i u i II II Pleare uviteyoar arroawt nnmher onymv r&ni m• monry order mndepryahle to CafifeclOw Bank and mall in The eadmed envefope. r S O O? O ?N I Fbw To Avoid A Fltatos Charge. f s. Grace Parked. Yw wi tow a mktimun grace podod of 26 da Wth k f d M pps?rfodc n[e. To obtah the awnp° dolly balance for dw brkq nlod Covered by this ?ana?e?, rasa take the yam aocoux If It her already been dosed. For aomp(e, ff you aWndzad?di from 04 we -, - ys a naco regs m new purc w, sew b st rc trwlom now apedal purduaee aM new other d a If B l ' l 'N N balrnos of each aepnwnt sent dry add am row to each aaottw?ntL and w Kru a any ?mr?n roe the modent after ywx accwr has been close, yw apses will be roomed, o gr yco Yow tota a ance , ow atxaedann wll?'i ate knportm Notice for polvaom below, f of essdrn. of to seal. N an the has it& statement road to -Bdoix;v Pau ,?pp?? Ta- cos coo the rrcua of the d'--w MI be added to yeas aceova, .td yyoouu v? be ale for primers V there In a and in tkw for It to be MMW by you wad stateroom cbalt den Tian. is w odW on w, .,aw a arr A PAYU- OW utpdd fnrra d-99 iaAbd n date balarco w h Thi . rmheruDeah?r In assn n rte Will oveirter i0°0"'t' y0°r q . p a y 1» and special vanbra In addtbn, then b w vasactlm H°O° Falyd m a d t l N th eac s dvw tee the dally r ? of Mich r °? vase add up d the dial for each y la i by w, todl e thP,Ua mbe drm tlta a ndl e acrqua her been kh fr as deWrA allow. m yes o no pay ew e tota wpnsm for the brrq gabs and divide by the total iber days arkATNv suer w the ? 7. Ihio Year Aeseua.Yw send or acrnnt carrot be tne d hh h bl b, Aaatrnp Fkrw Cheap. Tra so dots Mido are not vAject is a aw eriod an assessed li ar h t) balarh, of aachp daly 3 A l B A on w any amat gam ing anncftw.ec v p p n mw c sW rem the dm of the narracfart or 2) been the data the . rvaa rawasga e- f FM. a. The term 'Arasur Pacaraw Rats' may appear as -. B. Ned. Abe- itsobtada Cheek Corrarahn When You provide a deck r paymntr you aA od:o w eider to 1wnaACUon b procewad to your A cots or 3) ban to trot calattder deal of tin amam pp?f?1rpp padod. AdddaWy. - = 'APR' on the boa of this aaamea. b. H to bode P Palm). L Gino. UBM, C IGrdfcate of taw ntonaunlarh fronnh yore shack m make a arms•tlme ebcuaie UAW trer/a had yeas book accaaa or to If did not peal 1M Neer B' irate to peMw swop Period n fe, fnawe degas canttaus b serer 11 our u okl bolaaw uN tee u W Mas id in M I Depoaq, a B (SariuaN P&W appears m the from of dnb snalnera need to the pedDft alas pn(oyo y d ? M Paaaew tlr r a aMdc trewdba When we taw kabnralra bran yeas drdt m taken MbetmNc y p p s pa . co This M8110 OW Yee nay sr owe fiemv C11019", awn If CpNpq? od /J raps st J.VLL Pt IAOE MTFS my wry tfarnoier rhd mry iaaew ter daasw based fled uno , fads dry be wfth*vvm from ymw bWc awwa on seen an the saw day we roc" your you pry the wits New Balrhoe koAOaM on to boa of m alas stand * - as famd In Tka Wat Srwr a' and yes u a tot mswiw your speck peek rypm you outer srn by tha nom stateroom drip den, but dd not do r for to pretraa mo ah. Unpold fnsroe cho .pura? pkr to marpN p? disclosed to Thew Garpea vhf be a(ASCUw an alas is day or far Y fi W ga. ====For Will Me of you Acoent t c Yru b a frrieo d?iaW Prd?niithat mm ? brnp Prnbd covered byAYpaBr perkd?e etatwNm enure c 11 tM wMD P1 Ilyw. l)BOPo aOctober. re P+no. SIUJNB RI%" SUMMARY On ?ihlN Errors Or Clessiallores Abuts Vow b11 bymor% ar Hyarynsed r?wre ?knrwpo.ed ?ryaanr `tatal ehaw odfww 6here to o bap b oMaaSiy) .. m, fa c or yo ka °;h.um on a trimsecdcre or ball, Wdn to o at a inn else[ r tom poeatle at the for less den 40.60, sea %1i ab na Ilvt padode = std qAMWL f AOE RATES m y a t. We InWM slnwn on the foe of this whereas. W roan Amara 60 man." and 1M dlloserce vAN be 40. billed to the pudrr ee0rw? of aaaoam td T Mr sto b FY W h wry rr amd MY, ma.... or tbosaee based m the stated koicea, r ford In TTr War/ Sfrau.irrn4 plus hoer ham you no later them 80 days afar sea sent you the f Wt WY on Midh "otter or problem appp d. You ? enpery a . n rwe cope. s rowvs t e dale to not b6area any or all wane aware w mrv duns the m on lreviaWy disclosed to you Than Mmpos eau be sebmw m t ho (ua deal of err brio waled ? ? ? roll ter Customer Ralatlar aombe, but w va; d * +tL ice yeas bda, of+ to the rcwAV 2. Avays Day BWnee fl p l kw Purtlrar4 a Fbmce dugs is colt fated nNNOVkq time dally balance of each oalFrem of you aaant (e g sera 4. Aaw aamnot ef Lap. Wring std Rokrwd Paymaa FAr. You aeoaatt uN be saswsd w more than two M IM /w road here that occur tkak tlr l d U d h . . , anwmt of dBran steepected a w, a d member of the sm std n ooplnadomL poeaLle, of bdlaw two Is . .? advrcr, purchase, special trreor, and apdndi I ptrdwe) by the soy alace rsteW that has bet =? p cry q pa e . r u t e tease of yeas sesame opnuaent, ws resew the night to wai t b r itl i in error; or H you ?mssa mars hi m" a description of the lam ycer w ursave MK You do not haw to goy ray p p rovlataiy b yea. At 1M ad el Marsh day Aft tie brng ksllod, we apply the dally psdade ran for earl o nem at ao-a n t t d o b c l t w a no error eel a notlf a danger eatlan to es aeeersthep wise- WAVIIV a"y apse danger }oust at a lalaf l{fa b w 6 A wlie era ors kawalpaHtd k, butyou o. v h = weacbm. 'tie. kA..dparm Your goLmawbdor" - w? W y ccoL o o u _y m a ea h a sag nat. That at the ad a the bi;Q period eve add up . l merMg Yar Aeaaa-, if a membership W -pp.. on tie front of rite stationers ou have 30 report you r deSnquem or reds scrim arw to toll..[ to l , the really d leas dNy aalalallane to else a du e ter ease es ress to add u the , y days from to dm this aattanaro was milled b you to suds b h / l t amotrK yarn dpeat orc p p o p b lecen ..h eepnam m amts at the total periods pav md t e r a to aw such o Credited Is you H yes you aooant. Otmhq this period, you may tat Special We Far Cndt Om Ptrtlases fnanw serge for your Aewtnl. To gat the do W Wee for euh s6graw of Vo r aetaaa we rake t e 6epimkap o(rrdrors b w Veto aoooua Wthoul he" b pay dot mernburip Ise. To ermd your aeoonl You meet H you have a problem wkh the gaafry of property or Wonhce for each rrpnam teed Ada aarnr sew varaddar and ArtypeAodc /nrhw doge ealolated m the peevfata . retlfy ea by eirq ter Cynaersa Adefar DeDarvnaa and NOW Balrhos' In be (mrMdnp the °a senaees Not you gacf W c Walt a endo<ton t " you ti`n ordeal he pool false to t the the data bdwma for that sepnoL we that sulaactam Peym«as or creAU per std as of to day that srs'al`7oaed mete fae) plu to 11na ad of the INrtyday paulod B N nett ter. rata Aaaaaal You en regret m dos. righ n1°'?ly -Y Irve the right not top+y the Ise uNi q ar^^'tt m tee or services. You haw cos merty to that sepraant This dws w the separate toy balance or each sprees of yaa,Cocura. ?owew, If youpald the yar adxoua by ce?q ter t]utormnst Rslafarr Dapu[n rot rco ter d.aroy yea asst wrd{et ad g Pmwcdm Ftaclnw pbs vne rnon tMn 460.00 anal pudisw wee ehaN n ymr deem state or hhk 1 e f Now Baisnce d~ an your prrrbtr aaannat In fe Its u yea sew br.nnee was :tea a a dsadt one.:) sew aceour raw dada, caner r ad hntq and sew yatr aoeeus If yen dot not eared w t ? m ss o yar If we address. of we awn or epann mwbww or H her stalked you the transactions u" post Is Vats pexdwas or WCf =dare asprnaas are not added to the defy balances. We =dare fe awrapa dolly balance b addn N the dr preauhhodtad attarhpaeamr, yes vii carklr rowipt of a deeps you atdelxad- to roapan yarc t A ldti r advatlsaroet fa the pnopsrty or asnicas aS purdew m cowed reprWw of arms to i c do of purchase.) Plww rwmswa n Nph r waespadnos. y p y balacr *W*M and d%4ft the son by do member of "Coven . d on tyI yeas atoaua tali red M dwW taro You pay as sinwaa yon owe w k?dtdra an the days n the atom bmq eyde. To train You teal p y trasaedae you how tkhannee darer, pact w t noes nor apPry b towrana roe-credR cart! aenoCaats tlnsrca doge, eel yea average dryy br?aaw by dot dry retr a tM rumba a myo n she blkkq s Due to raandr d l b o h b A. leas, ovaemh ose, ntur d paynem om, eaaA Wwnw /sea rd my olw roes arrsed to yeas t D- not win to Matwsr ---ad& cats ad:c»dmn p g on a a y o k t em may e a eight vadarra beft-M this wkdatlm rld tM amamt or 16uron de acmmly aaesasd Masan. You are "Wisible or tier rostra vetsder to they appear an yotr acomi at the *-== d th h b =tab 0w o4porn kdotmdm pivary pasNOrc see our ppk al H the dodo Z or N eppems m de from of the store east a to'B l R A fed T ro eos e co mm a t ey a. -soodd to . year rotpten n doss the aaatnt This may math In oLea. Capital Ow b a Mdsrs lY?gtKww eerviw mark of CapIW O Fl ° ro ance a ate pp o: we -= the f --- t w d lly b l dierges drq m lea a Ma yes hew al CorPontlm ""p° reserved m 2003 ies ed o Mgt[b i a ance o re lrpmra Nebec Prynnom you mat to w will be crocked w yen aow t as of the btdrar, day m receive h, prwlded (1) you send alas bottom pod- u th la sutemaro a d . ti tM mdoaW nasranahoa -do" and (2) yon paymetht b IMCMIYed n w procesalnp Crag by 3 pm. Er (11 aspen PT). Pbw allow at bast Mw (5) btsir ees days to postal duel esqdwk PPa do rereceived x rive by us a say Westt location or Iipnnrewryry of er Ampnaymmawyxtc[ 6bes pyeoAutadduw of dot day tae axdw roam. Our n barkese drys ro Monday tlraym Sated.Y, suiudnp bogdays. on send us aaotes for rte anhwa of Ua deCk Thb at-IcdxWn Muse, m s1 decb recNwd M1q the bOV COO k(sl o aWwdx make a one?kane deRmJc trawler dept from your bank w to make a Berge agekat yon brdr accent trip de deck, a paper draft a other kam. W a°R1°o° saw. if we Carrot prover dine vawle, you etnledte I 1 Core, Now with FREE Accelerator for the first 12 months'-a $60 value 97* OH a nwnth for first 3 months; $9.9Ymo. thereafter SIGN UP TODAYI ' 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplopc.cwn/go/emeraid 003 peoplepc- online A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 monthsl ® Virus Protection powered by symantecr" ® Pop-Up BlockerTIA Spam controls ,op Smarter Smart Dialer Technology ® i More Email Addresses ® Internet Call Waiting PLATINUM MASMCARD ACCOUNT 5178-0522-7842-6453 FEB 04 - MAR 03, 2005 Page I of 1 Account Summary Payments Ctcdlts and Adjustments previous lialanre $5,832.84 Payments, Credits and Adjustments S.00 Transactions Tmnsamons $29.00 Finance Charges $117.01 1 03 K AR PAST DUE FEE $29.00 978.85 ce $5 B l N We will be changing how we allocate payments and ae&m to yao account no sooner than your , ew a an M;nim»m Amount Due $5,978.85 Jute 2005 bulling period. As stated in yota Customer Agreement, this ma include allocation to balances with lower annual percentage rates (A.P.Rs) before balance, with higher A.P.R.a. Please Payment Due Date April 02, 2005 call the mmmber on the back of your credit card ifyou have quations about the Tedfie changes Total Credit Lane $5,000 to your account Total Available Credit 5'0D 000 dit Line, for Cads $1 C you were assessed a past due fee of $29.00 on 03/03/2005 because your minimum payment was not , re Available Credit for Cash $ received the due due of 03/03nWS. To avoid this fee in the fuaae, we recommend that you allow at least 7 Winces days for yaw payment to reach Capital One. Atyourservke To all Outomrr Reistionr or m rqw a lost w stolen crud: 1-800-903-3637 F. free online sm-t arms and spo-1 customer offers, log on tx www.apiubne.com _ seedpgmentste, Smakquirieeta Attn: Ranitnna Pm-sing caliw0..Rank c4isioneseavlea P.O. Baca 790216 P.O. Ban 85075 St Law, MO 63179-0216 Richmond, VA 212115-5015 Important Account lnfortnatlon Please review the important idormauoa enclosed with your statement and keep a copy for your recorder Finance Charges Plrarrm n offsendefor important infonndionn Bdwwrdr P.rfolr Cwnryonln'l ME , .ffPPRR ryrrlro ndr n o PURCHASES 31,81959 .0709696 25.9091 395.76 CASH 31,069.46 .0709696 25.9096 521.29 ANNUAL PERCENTAGE RATE applied this period 25.90% T PLEASE RETURN PORTION BELOW WITH PAYMENT T ___ ___ ;'?u?--- ?$Ofl??fl-?-SJ I?8032?7$4?-6?-53-03--?-9?-68502-98fl&59?&838 New Balance 55.978 85 Misimtun Amount Due 55.978 85 Snma Apt I payment Due Date Aped 02, 2005 ? Sna ZIP Total enclosed 5 71 Home Pb- Al-ge PI.- AeeountNnmber: 5178-0522-7842-6453 a Ea,>i Addrtu #9006313561148554# MAIL ID NUMBER Capital One Bank JOANNA L BALL ?- r 1 924 WOODRIDGE DRIVE P.O. Box 790216 igI111111rt111111111 n St. Louis, MO 63179-0216 n ENOLA PA 17025-1545 ?t??uu??utt???mu11t1u11uut111ntl1Ills III IItI lnIuItI ° Plme urilejsowatrmaw number wymrr rbrrk or money order made fayablrto Capild Otte Bask sad mail in tbeentlosedeswIvIv. peoplepu online JOANNA L.R'ALL A better way to Internet. 924 WOODRIDGE DRIVE URIAM I TED INTERNET ACCESS SIGN UP TODAM 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.corn/go/emerald PeopW5C 6 solely resporm'hle for this offer, and is rot aYf'ieted vMr Capial One Capital One does not provide, endorse Or gurwdo, end is not afrtieted Wide any product or sv*e Wmn hero. Any trademarks merficred herein am solely awned by he respective eraafty. All rghts reserved. By mspmdng to this offer, you may be cmrnmicefiq Information about yourself to the company that provides the product - br example, that you am a Capital One cuslomer. 'PeoploPC Orfiw: Fhal 3 months are bred at $4.97 per momh; $9.93 per month thereafter. Offer availetie b new dal p sruhsabers at Pad 18 yeas of age and may not be redeemed with any other offer. Ollg sutyect to change at any time. Flame technical support eveBable for $125 per minute. tAccderata is free fa 12 inaof . Offer good for hinted time. After he fast 12 mortis, the Acce'erztad service vii sutmtmi ally revel to he standard PeoplePC Onli a service. Offer atrb[ed to dtarge at anytara. Wb PeoplePC Ovine Accdaoted, cyan M page too and graphics wdl bad faster r Ien umnpred to standard dal+rp Inferred service. Actual muds may vary. PeopWC OnRno Accelerated is only compallela With Peo*K Onne Internal so*. and specified Wndars® browses PeoplePC Orrine Aaderoad is not compatible mh Wa timarl 95 with E S5 SP2. service not avelahle In d areas. Access fees, texas, acrd other fees and resMdbro may apple Telephone b1 dares may p* even Mrkg trial periods. You are responsible for detrafnng wtadera cal bona der access mxnhrs wi revA in alephme tad dopes. Accas.s may be hided, especially during tnaa of peak usage. Nal-up ambers may be dwkpd at PeoplaPC's diserdioa Coaknualsuse subied to tim=A procedures. Al use is su*d to PeopkPC Orkre's Servk:r Agreenan and Acceptable Use Percy. S&K Is t ha, maamum speed of seMee: actual peed may very. 0 2806 PeoplePC Inc. N Rlghts Reservd Peo*PC Or" and its lopes am trademarks of PeoplePC in the U.9. and odor cmmbiaL 0 2006 Capital One Se vIuM Inc. capita One is a ladenly, rallisamd service mark All rights reserved. 'If you vAsh b dra • d1raM prods. ord. b sak 4radaa a b penal, col t•a00-a27•a971. Yaa TlwfrYau k rfnatf days d your aakcRms kr. AIW your free podod, your sdadiau a+1 omthu at le poke Yldabd iar • IoW d Haan uttorWn ikrn0 Ytx+ t« pwiod Yau vA rroaMe a romkar nlln. If Ycu do not ad b eruoWl You+ aooout wi W dwpd nlney days from wfrct you make Your askcdae. 7MraaMr you Zvi raun? an aural rlotla and Ieou+ sakWaa w41 anWaa ss de tab m M natbe fee tie nrtt y«r d bwoe. Abw lea b kin weWb fa ddWMvrryy R • 6 baoanr tltavaYba, R w1 ba raplaoWd oils. era d opal a groat vale. Col b ortoal anytlnla far • raAnd far drrWrvad Wrvsa VaN tads. oral raptd. 02005 Navbtb M,paarr Srvloae LLC, Far Flgir fldga Perk Bamlor4 CT 06005 N lie vendor end rrrwr M right b Rork airs. P006 GC?dp1WW Om Srvias, lee. Caput Ova k • fadrYy ragkwd a,rvka meek Al ridta rssamd. Any tnadraabrrlendated hrntl era slay owrrd by iM rdwpard" errtly. f1nrSW Mogerte Servkvt LLC k slay rWaparbk to li offer and k not afNotd wih Capri Ova OspRaf Ore nor not ir•?. ertdrsa a puarrar .rd k not affYehad Wpm ry prolll a .srvia ahxWm awe. Ry raapondrrp b the effr, you mN W mrrtmrtaimtro hbrmaalar about yaraad b th oomParO' hat pravfdr hit prodrd?ar Wxenpk, thstyou w • GpiW Ore ourtomr. b. Aorlto FRrw period a o ? rats. To obtain the average daily balance fa the pbbee7d torgad?pcrs a» f aaou s If it has .1lrr«dy boon oaed. Fa ermple, merchant the ?ut wNt ??, now aoaGNryaw n n w ne. y yarn maal 'few Bdanu!0 in ? y p agrwut, and wb[na arty N verb tm'raed m each a taadlta. (H d» coda N approve an the fens of"diva axwa reopened, bean cbw4 your will aowutt the roue of the dwpe wi be added m your accaum da ktpatr•m NNiee bee papnwae blow, warrant need m -Balroa Ram AA,opWdMNdd ro: wa d« d11 Mee dw s (ndudrd n the balance b era Yyoouu w???Rl W rrprrDa bee payawd. H two a. mrvrrap nor for )'ot• acco,^ the Ae vm mama to be anted by your runt statement m Is no grace )lrbd an ualr advances iod O p baR cry u1p Dl or coda ngmMJ Take give. W to daily baWae of each add Y de dW a Th betartcw for on to ba m the Wart by bw, and de axwit balrrw Iw been h M «bird slave. llan, them Is no (tlaa pe fan. In od n H You do not pay the toW New yy wprw . @% we wprwt for der blMnp rd dvide by in. total 7. Yerr Aoaourt.Yh as or accaas fairs( be ad R n l d pupa Transaction which am not s period am araW«d Min charge 1) nutbor of drys In Yee period This gh - - the dYy bYrrcm of colt aegrerrc 3. An-- Rr« )APIA. s. any tea ln cocrrcr on w uw p tro eacdone. S. N- ', About ilWOnerrla ohsok Cawwsbn When you tlr barraoalar or 2) flan the alma tra 3) flan tM «aeed m Your Aaaa d a a. The tam "Amur percentage Rams" may appear as APR' an the from[ of this wnrram provide a lack as payment, you ounhor s, w dhr to us* nbtmr)m from your de A to rota a ono4no a enl od she current Addidand r New ado fiaa tM Ya (Coniftato b. Dop= code r S (Brbcard Ptkrm)uappears an the front off h bd h n electronic K Ove de fund pa ?as from drec?k vrrachko, Whenr we our delft to make an Nactmnc nfamattan t?mm •, hap one" mtiraa to acme to se vat the dnpaid balroe Is paid In idN. this snadnem mat to t e wn c e ra g t m« and ?teepr?yq PFFK:EIFFAOE RATE5 y us Mel trwfor, Ards say be wNarown train your brit w d n h you m,r will ova hap dNlgee, aterr If 1 New BMrrce ardeaad m 1M has f may varyproton and may nano or decmaee based m tm rated Ydo«, « faun In lAp W.N Sint y e fame ay vm roa attars « soon as t paymers, and You wD not reedw your crack back from v the trod woman laakw aw, iota dW -WffOd4 Phan the ma%h prwAm Y disclosed to you. your Mdal nedtWas. tc• birnaan nR bflros. For iod your ae«aa b w+hieet w a leers FIWMM inance charge me otfkgi0? total ape rraW M41w 6 tan 0.50 rpnrs f Wed to the pumchow td Taapary Rdrlbn In Flow O M rids to nodaaaar try or all 2. A bRkg= DaRU? RWrw (M?zlnp Nr a. Fiance deep is calculated by r balance of own sopnant of adverres, prrdese, special =r by pav o dyto oy y" Pd-k At do the WNrp oadd we apply the der rgnas.dThann in t to amid the b our r«la f thew dYV eala/aWr r edode lnrea drip is wia Rum each a rs " account. a ao finance fo yauur v m charge T for each sawaame f year WWns for osch ore- r and ado my. Wbalre. Lee1oarres 1001MORL w W aiag segment. This gives us the for each - at account. New Balance shown an V" provil if ymr mw holama was zero a . tarrawden With pat to your P. parolee apana w rot added rJlaLts fee avaraa daalv balance 0 N ON can maim 10 r aoeon. If you do not carnal ne v M.. ? t will racpaenwyaor deed F, you, --- not be torte you erwa era 4rrJ<rd11Q arry "arahrriz lnrrce tlergr, past ter, m Paynrt ease, '.h arty odor lees aaaod m your rxtpertrbta S. aer amouaa wAaaer aceou m at the d- yyoouu requam to they w b-ned aubeagdrant to der th accam. TNW may (emit in serv?icea dw you wall a dxye -1 card era you ood hove tded n Zr to corns the Mbkm with the merdanr:, yw mrf hove the delta not mpay th ronrakbrg rmux duo m the pop or rrAcm. You have this protection mry with UempvtsaewP prlaa was mom hart P and thr pvdar was code bee your hone wa or width 100 able of your ma01p address. of we awn or ? pr or If we eamn =-a the peed am doomed eprdess of trouts. o) pudase.) Ptoes mmenbar a air a0 wneopaasrce. t Does not apply to consumer, non-eredN tad mcxooats t Does rqt apply b brdxu urn-credfr cad -4-Me C. tw One s ppaa kdamadon Privacy protection: re our vmDda at www. rademrp vervics, mark of 0d Conpalb A]h rids re served. 0 2003 nos daryr Acurr0. Ter dwges will be on Me tint dry of your 60 porw cover by your parlade su[anant ondng BIWNO RIGHTS SUMMARY nod Mat n Me maths Jrury, gpuR, JW rd OdxoWr. (n Case Of Finn Or O+wdore Mat Your M a ntnimun oesd H de U c. H to code D 01mor) F. (1•mo. (wig a e (3irm. LIBOR.RWlmd Madcflq appws on the from of you if yywvu MWt yrr by Is wrong, or H you need mom nfomurdrl m a brass, , a tap, wdm m m m ¦ 19m f etmomars n na m the panoac mat,) do oedodc retam UA Rk aopanm Whom r soon as possible at the address for nt Of this staamrt We mum ad h rh fr n ibaact 1W1 I,mne- wW W as oamra+dna ANNUAL PERCD OE wrymath, y may Rrcweas our doasw bred -Yd. N Sn f h l W idl l d b 7A W . r s own o o o p hear from yw ro kw thin BD ddaWyves aher we ern you the arel You ran rodam a vviid dv error a t bM fi nt. reserve the ter arty given W ur , p a er, r ar s a Wtatad der margin prmAadyy iadaaed a you These drupe will be W" m de first rky of your blimp Dedod pp p m r rs rod our Oabnw Relrlerr nnrbar, bur d** is will not preserve your dose In par burr, give u tie alav*Q asch month. st acmes. nrMer, tM dolor amatlrt ydr trer d r 4. Anne-rd f Late. Ov~ and Round Paynaa F. nt, a If I f the mmr rpae ted smarm f atem a Your acomm Wit be assessed ne mass than two f ore ter ran so panod"4 H poeslba, f yYW believe there k t6 listed hero het occur dung try h ffirv pe" Under the an error a If you red mom ntommtlan, a ansedpden of n - s rve th rIRM m arms f your Customer groomard, we re you w vavs abort. Yoc da err lave a pay arty the ma dd d? p d vrlw Or not Witham ter tM Ia da+ile n d ? hwastipte your, aarbn ? ion to ole n f o each J, we add p If a membership fee r 30 daaysa?m two to dW?thin resat was, i uRadwm Vou to o a y rm°ut y°u potion or :=it* mold ppeavyRNqq the it a b have such dos aMtd to yw a1 id i 1 i,t Spacial FAM For Oast Card Purchases W wade a1v hol"" n 1 your aoooun. - a pa , )w may H yes es rQ carrtlrrtr to tae vaur aazurs wtdeu hwna m M th It hove a proMam with the germ of try or S. the days In 110 areal rrq C1YJa. TO "Nxaw your mfr lmwaaare yw m Rrwtce drop, mtl Your •v'an9a dal baance by ore duo our, ovarlinril y ode ram and rho rants of days n tiro hNWp advacY tae and dO pedr a rodsrdNq m a GIy Wrss, dam may W a .cmm. You am eight varier Wt"A 01a ataeadonand the want of ley Lpoar m your 11- charge acruslY aeaea.ed nor the acooran a b. If der ode Z a N aptaem m lM fret of die ratw«r your repoppRatso nmd to '?89Applied To.' we mdtiply the d lho aaaa bgmto t Notba•. Paymeras you mall m W will be used m your amxms r of the burbrsa day we meelve It provided (1) you oM the boom palm of die wmemem, and your click In, the adoWed remittanw anvubpa and (2) ywr pawrzw?t Is ma(ved In our cancer by 3 p.m. Er (12 root Pin. Pkaee lbw a Iwt five (5) h,*- days our P-W deal" ryP.ynama rmxlvd by w at try valve locationm In arty odw form may not be aad[d r or de day cos rsa(" awn Ov arkaaa days am Nocxisy dhardr SanrGy, exdrxarp IwAiGy.. Parr d=:w== o a c?a wlp=*V your pan am When you oral us a deck(s), you rdorize us to make a ore dmo olecvarie trrrfa de01t her yov bank accara duck cTNr avWuaabn apWo a al decb raa(ved dNkp zhe 1>i1Wp eycb even If sat by tropes ebe. If wa cram txocssa tla bawler, you authorize u to make a dare aganr Your brit exam using the deck, a Paper trap a der lees. 020 Protect your account. Enjoy peace of mind. • pays the minimum monthly payment on your account if you lose your job involuntarily or can't work due to temporary Payment disability. P R O T E C T I O N • gives you up to $so,ooo of credit coverage in the event of death. fin. CapNal011-- • costs just 89 cents per $ioo of your monthly balance. • ENROLL TODAY! See reverse for enrollment information - ) 02a-0702 Cap%ta/QW Account summary Previous Balance $.00 Payments, Credits and Adjustments S.00 Transactions $36529 Finance Charges $.00 New Balance $36529 Minimum Amount Due $15.00 Payment Due Date February 22, 2003 Tonal Credit Lim $5,000 Total Available Credit $4,634.71 Credit Lim for Cash $1,000 Available Credit for Cash $1,000.00 Atyourservice To an Customer R&&w or oo report a lON w Nolen and: 1-800-903-3637 For free online aoosunt sepia a4 speosl asamer eEas, 105 0o lac w -ClFitdenecom send pspbob to: Send inquiries tm Alm: R&MIftma P,omtia6 GpitdOeeSenim CapialoneSrnias P.O. Rm 85147 P.O. Boz 65015 RiAni6nd, VA 23276 Ridunond, VA 2329-SOIS Important Account Information For wrke in Spanish, please call (800) 929-8137. Para servido en Esparto!, por favor marque 800-9294137. y Y PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 DEC 24, 2002 - JAN 23, 2003 Page I of 1 Pay ments, Cruxiits andAdjustments Transactions 1 11 JAN TARGET 00011542 HARRISBURG PA $220.75 2 11 JAN HECHf CO. LADIES BET HARRISBURG PA 16.99 3 20 JAN KMART 00074708 HUMMELSTOWN PA 6828 4 22 JAN GIANT FOOD STORES IS1A CAMP HILL PA 20.27 S 23 JAN CAPITAL ONE MEMBER FEE 39.00 Finance Charges mf e fA l a Pkamra revrrrrrtdrf r7mpodant dio Bdenenrr {{ tt e 7 ?t p Pai.& (,otlH OrrTlrf }µ y?,jW1( .pp/rlsr ref! R l.rlfll?t.ili PURCHASES 5.00 .04062% 14.90% 5.00 CASH $.00 .0406291 14.90% 5.00 ANNUAL PERCENTAGE RATE applied this period T PLEASE RETURN PORTION BELOW WITH PAYMENT. T 0.00% 0 W-01M_-0_ 31-7-8-G32M-4-24-5-3 _23__M52"0-000"al-5-"9 N-p..1 snit ?ad.9m -J,*- r-u it A-M sdomtaaYNmrardlaf ?.E New Balance $36529 Minimum Amount Due $15.00 stn c Apt i Payment Due Date February A 2003 Gq Snoe ZIP Total enclosed $ Home Ptoae Al- Ph- Account Nulnba: 5178-0522-7842-6453 E 9Addmr #9002413561148556# MAIL ID NUMBER 1 Capital One Bank JOANNA L BALL r P.O. Box 85147 111ni11 1111 1I 1to1111 °p 924 WOODRIDGE DRIVE I 0 Richmond, VA 23276 a ENOLA PA 17025-1545 IIIIIIfIIIIIIIIIit11It1111111it111111ItIIIIts1111111111AlIt111 IIttII1111111111t11111111...III111111111111111111till 1hill IIII Plewe recur ymtr"mint orwrbrrorr yoardxrkor money order madepe7,%Heto CafitalOnr Bwti and mail in the mr/med enwfipe.. r________________________________________________________ -_? 1 ' 1 To enroll in Payment Protection: 1 1 Call toll free 1-888-527-3014 or return this form with your Capital One* credit card payment. ? 1 1 ' ( When you call, please mention Key Code 3P7 1 1 ' ? YES! 1 want the peace of mind that comes with Payment Protection. j 1 JOANNA L BALL 1 By signing below, I authorize you to enroll me in this program to 1 924 WOODRIDGE DRIVE 1 safeguard my current Capital One account. I understand that by / enrolling, I will be charged $.89 per $too of my monthly statement ENOLA PA 17025-1545 1 1 i balance that will be billed to my Capital One card. See Important ' information below. 1 I 1 1 1 Signature Date /_ 1 1 I authorize Capital One to forward this coupon, which includes my account number for billing ACCOttnt# 5178 0522 7842 6453 1 i purposes, to the company that services this product on my behalf. ' 1 1 j Please sign in black or blue ink only. Detach and return this form in your Capital One credit card payment envelope. i `--------------------------------------------------------- ---------------? 8 o 0 O N 1. Now To Avoid A Fhwm Chaps, p i d r m m t a. W aw ?. d Y o u AN have a n ew g&== o obtain the averogo•Ndolly baYnca for the d i the account it it has abndy been Nosed For wryple, wdaN a 1hwK so W. th NaW? w h ? nP n ? ra pM av ( r p a y char e s ? In ' any dt wpnwt eaMt e n?aaw pd each and o n e hard: of C t h m c e ° account has clomodl, Voter account will be aOCOUr ofU» NraQs K, the g bNOw, Vts tiodu gym ordancO ? ? op b? p e e rddd In to baWhoe W id L . f t. them 1 yyesou to fee will wnlram nhammbaenn4 be for Vou feiaa<a t and In tine for it to be esedtad by You Fast anamem If dam. There Is no Voce parlod en each advances l d i ip subtract any unpa saae N each sgnerx.) This giw'a w the 6N byres of each all the dtYy bdafaw for each we add u d Ttw , m W u?arwd. m dr e:awrt psoFdtad tr/ Nov, old ore aewut birce he bun PYd in M p caked above. o and special tr f re. In addten, there s no $? per en cry «ansactarh H you do not pay the total New p agraF . 4 asprad for the brig petbd and dMds by to tool 7. Vebo Your AsowtYov pad or accam Comm be bY l hh F balarhee.- Ndh am mot i Fh Cl T W number of drys In the blip paid This gives us fr N each agnac over@ dall bd denat pan Fq used In vornsa on w any trarWas. arw r:w ms w b. Aoah o tapR sugxt toe trace period am aaasased tunes Wraps 1) = y 3. ArahW Ifetes IApnA S. Notias Absut FtaaeaNs Govt 1lraanla? When you tram ft dam of to tfaactOn a 2) hen the dam Ins a prcesead varsactlen Acccuss 3) from the a. The tam 'Arnud Percanapa Ram' may spier as suftsoom *APR' an the hers: Wa'ba a cheek as psymat, you abortze es eMrr to use Information here dwak make a orzo4me ? ands, ?r ? ? Additionally. did t d?praYy ?Ntfhe" 'Nm Balance Iran to preview If?YyOoUu b. If the orris P Rmnm)< O ma IIBORI, C ICatlfaam of Dpoft or 9 BWnrand P*W appun on the front of oaiode bd ld h fiam your boot KORN or to alseoank fund trrrrr pax so she pao o as a alrek trio ecdcrL When we ou cock to make an oloc mmie use nrormsdon lm bAng PWW In M, Lance cheryes co dam m accna to Yam upaid balance tots 'ft unpaid bale ce is paid In full. h it ef Fe e par . the sanctions fast m s rate and ott?gmyq AIMJN. 'EICF)(FAtiE IMTES YhI w daaaw based rfmd and hom var y foci transfer, foods may be rAVdrarmt from your be* arsoud es um as the earn dry we receive your arges, even 7tea mess tat you may KA owe kune c you pay the washe thew Solace Indicated an the liars of y y Inay y 4 m Ih eased h3voe, as Maud an 7bs Wbf saw parna t, and you will not revolve your rhsdt back from your statement by the ncd summers tune data, bur rid d I d JKres4 pas the meay/?v?ily dwloeed m you LK w will be m to da Th d N your' your tnamial ientuti. as r lafgu nut do so far the pnNas m om L Unpai are added is to aq?sreawMa segment of you Account. arowhbW t.blinimen "a? ' y rees re bihp pMed mt+md by T- JpWdode aaamrad admms mal jyF ? 11 s1WN0 RIGHTS SUMMARY Your C. hnk Of En.. Or Questions R About om, Ifn ? imbinum yam account wK6b?JaKt,? to a Lance di•rQs CNAME of #0 mil RNANCE 60 will 6T4;@" N the iuo. Uspp or 0 41•ao. (I? the axis D'ana o. Ma?lYl an t USOR frplwd n was tenn at your m you t your wfa4 w you nfanmdm m a trareNm w bill, wdm to w On a . E V dw, to am Am IT PEAmCteF M g l to shoot se scon, as possible the address for most ftra a w N ? s i o" the AtNai?ahns v ll M m?wnalrx to #0. W ohl' ' r bawd ai tla ?tl w de aRy In. Nar v n ee n t you the n S O d ImsK f yet ton rb tlr iyyaa blw to am purchase upon N axcaaM. td Temporary Rtlalien I Fbrw oared We reserve the anted ndcse, es cud n Tda WaF Shoot Jburao, plus the magin aeNaW V ddeeed to you These carOxa i c d Lw bid m witch the area a pwanh a?wrd. You ran tdl omr Qsraror kidder unbar, but delmup ore wA na: des u dr ft"A" r isle d I did m not arses my w A Lance carom for any piwn W ng pa e tvY he eHseWa en to Let day N yam W each roads , n you goesmw your oes, 6lbm adore your name a ml aooaed number, the coed q ppeeritod bs L Aawga D.y aWnw Iiwk?iq New [hudhaael. A. Rrarce sharps is w) damdlalamd W mYmblNaq dr dory 4. Araaaart of data, OvaLmhit rd Resamhad P•ya.d Fen. Yar aahaad wY ha aesaeesd ro mhaa than ter a the fees t di ri d Und mars of the suspected anon, a description of the acres ad sn apWatlav, If poea?l? N why yxu bNlws daro is ou Fwd mot Inbmhmda4 a maedpim N cr a if balers N each accent of You Dec.* alei. dash advance, purchue, opadal irarfer, and spaWl grchse) by the dally psdode rata{d tut has been ns pe o er o Fated base dot atom dung NW teat of you customer aenemrm we msaM1m the debt to wales ar net to assom any fees Qd;-MA prior rwncadm to r slmlfer th dN d I aw; y an to lam you era urn about. You cis rot have to pay aW anent n wAM m M MeadPd+o it, bus you arts N you bs) tat giro rot the ore Kill t previously to you Ai the and N each day ddmq the bMng pew we apply to pedode me for each n aweu e was o ne out oe 1w without w 1mw s a lacer tmna. pry p you qtr- ova c"a in Qasdom ova Yrs l s h r sewn" mi aaxum to tM Whew of saafi eriod we add up Then at the and of der s 6.iitwmvky Yea Aew.a. It a mahbemlJp rs you have 30 appears an ft find of this statement .... es cry sa aam a set t e mpmtyou r dWh4au w o arnant you y,ad- , p scene . to maim of tar only datafao to arrive at your , doya fmm the Nor tta attemet wr m I m yet m dl d m h f r h C d P d i porfode imhahoa damp #er each asahhaW Weadd up tla results flan each aegmneht to solve at the Intel padode Lhrme dvetge for Vow acc tm To gal to dory bateFa b to badmma n t c f f e you avid pp=nqfive e a m ee cra ave suc N you-erai yaw sebou t. Dutq tie paled, You nuy norm. to use Yam scant rtlhota IavYhp n pY to me mbast lies To erhal yam Account You must a m wu t,t Special raM For Cred t If you have a paablwn with this quality of loop" or d nd it dR p your aec sa we a or ea h setmem o balance for each eegmard and aria aN1y new trrraWaro P . , nxUry w by calls" err Qrtxma Rslatarr Department the d N ll (emdudn B ' I l f s a ae wa a you aervkw the you w have tied it. 6th m torfeu the ptobrmn with to and aW Wasriodc J=m Wigs calculated as the previous days bah for ter ":= We then Kbaaet cry e ow an ance a n u mrhhDamtl rf W P m to and of the Wmayday paled mwaq ,you may have tlr Floe not m the nmakdhg Ya have this many cis m the, popK[ or services payments err credits lasted as of tat day tat am Hearted & N Yes Car You Asaant Yw can report ts does y . pfonWon ar shah dr puma m rmice was mom ter to that townermt Thla fives w to separsa daily Wes for each sspnat of you amain Howvw, It Yes oald ft yam aeaa= by Comm eve etrlarher had far oapusnrd. You must deavoy your credit cat amd l s M d N b x60.00 and tar p ol es s was nodr n your hone KKS or witNn l oO msse N you tnWrq addew. sr we own or New Balance shown m your pmious autmad In Tess for if your new balance sees rom er a wit samurai, raw eofel urchase or s v tl it h ll to our r . a pmK o i sccant access rhsc , cana and awe wnp your aooout. 11 You do not vomhcel enpbksd Oilrq •mahgrnana vas will earfdw operate do noway t, or it m mtlW you the edvadesmKd for the a eavlces b vas Wse d 1 d d N f ) p anae en w c po y p purchase espwema sr not added to the daily Was We dul dd ll th Ga b l b , p neafp of a charge your audmd:atlm to mapm you. e r acomen wY net b dwell AdddaW account . se o mw a 0 pu am dxvem ngnd prat msmanaer n NQh as carsyadKw?. y ng a e y datata M awraes a sa y a balawa tegeher and dh(&V she am by the manbor of y, y . mN you pay N mares you ewe w khoWnw any t Does nave aypty m ennamer norm-off cad -sort to Gym In the amen bnnp cycle. To calculate you total l b h d ll b transactions you hew AFtrheedd,, trvera d- e, pest ." fees ash admit fee reaanod r d f y arnce y t e a a Lha es charge, mud yam average docile rets and tr member of days In Ur brsng daily a d hal t b d ll , . p o ue ees , a advahoa fee and any Wiles fees assessed to yaw You am ma aokfe for these amens Wisher sees= t Doss nw apply m efrefiass rwrr-credo cad ac-o, a y o, om may e pe as roah ng m a algid va ne between INK calea4dm and she rename of p . they SC&r an your &COMM at to dme yore request to n d nt m ri h b „_?talhe One s ppats Ytanmdm pdvaN pmascdim: sus err = at w .eaWt?amL Inane chaps acuhssy asevasx b. If the code Z w N appum m fnsd fnxs N this sutemna ' s account a t ey am amra des su seque your mquK to dove the ccoat. This may malt in =td or* is a fedmsyneolataW r? ssmk2?3aphal One Rursdal capomdon, All rigids Who Ram = To, we =Ply fa tau to dhatps one m you -a" ahem yes low capital one 011,01-11AK "WSS Important Notica: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other Itcation or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. J peoplepa- online u A better way to Internet. .MOM Surf up to 5x fastermth FREE Accelerator for the /kst 12monthat-a $60 vale 1-888-587-9669 Mention Offer Code: DIAMOND • • Or visit www.peoplepc.com/go/diamond 003 UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: 19 Virus Protection powered by Symantec- Pop-Up BiockerTI Spam Controls ® Smarter smart Dialer Technology ®? More Email Addresses ®, Internet Call Waiting CapitaloWo Account S Previous Balance $365.29 Payments, Credits and Adjustments $20.00 Transactions $1,660.45 Finance Charges $16.86 New Balance $2,022.60 Minimum Amount Due $60.00 Payment Due Date March 22, 2003 Total Credit Line $5,000 Total Available Credit $2,977.40 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 Atyourservice To cacu omttRAidom or 0 report slat a<natm cud: 1-800-903-3637 For hee online saxmt serria sod apedd outomer -Bus, In on tx Ww .Qfiwwcam Seedpapmarotm Said invuitira tin Arm: Re%', ? Pmmsinr C*WOneSaim Capealoeeswices P.O.B=$5147 P.O.Bar85015 Ri6mond,VAZ276 Rtehmomd,VA23285-5015 Important Account lnfomnation Far service in Spanish, please as (800) 929-8137. Pan servicio en Espahol, por favor marque 800-929-8137. b PLATINUM MASTERCARD ACCOUNT JAN 24 - FEB 23, 2003 5178-0522-7842-6453 Pagel of 1 Payments, Credits and Adjustments 1 13 In PAYMENT RECEIVED - THANK YOU $20.00- Transactions 2 27 JAN TARGET 00012542 HARRISBURG PA $223.90 3 28 JAN GIANT FOOD STORES #'S1A CAMP HILL PA 14.30 4 29 JAN BOLAND CHIROPRACTIC HARRISBURG PA 39.00 S 30 JAN GLADFELTERS AUTOCARE HARRISBURG PA 216.83 6 31 JAN ENOLA SHURFINE SEA ENOLA PA 18.33 7 31 JAN INTUIT'TURBOTAX 800-523-0397 CA 4235 8 01 FEB JCPENNEY CO 2712 CAMP HILL PA 48.93 9 01 FEB HECHT CO. MISSY LEVI CAMP HILL PA 59.98 10 o2 FEB GIANT FOOD STORES eStA CAMP HILL PA 42.72 11 03 FEB BOLAND CHIROPRACTIC HARRISBURG PA 40.00 12 05 FEB BOLAND CHIROPRACTIC HARRISBURG PA 40.00 13 06 FEB GIANT FOOD STORES #S1A ENOLA PA 77.33 14 06 FEB STEVEN DIRK DMD PC HARRISBURG PA 25.00 15 07 FEB CVS $2321 HARRISBURG PA 44.95 16 09FEB CARTER'S CHLDRNWR#695HERSHEYPA 139.80 17 09 FEB BASS COMPANY #452 HERSHEY PA 77.95 18 09M OUTBACK #3915 HARRISBURG PA 58.72 19 13 FEB GIANT FOOD STORES #lS1A CAMP HILL PA 56.43 20 13M TARGET 00012542 HARRISBURG PA 71.36 21 13M BABIES R US #6425 HARRISBURG PA 56.66 22 14 FEB GIANT FOOD STORES #tS1A CAMP HILL PA 59.67 23 19 FEB ZANY BRAINY #114 CAMP HILL PA 35.45 24 19 FEB KMART 00091231 ENOLA PA 170.79 Cap,tal Oae oudty suppers the National Youth Anti-Drug Me& Campaign. PARENTS THEE ANTI-DRUG. Stay Involved -Ask Questions. To get the FREE booklet, 'Keeping com- TheeAAnfibru it www vi 800-788-2800 ' ll 1 d D F Your Ki s rug- g. . or s req a - =dio e Finance Charges Pkwerevn ffiendeforimpawrtiinnfa zzw- A g CHARGE PURC114SES rassr $1}3119 .04082% 8.00 .040M 14.90% $16.86 14.90% $.00 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. 00691131(10 8 5'I 7$63 ?? 8 4z' frk 5 3- 33 92:'68&9?fl @$@@6{?9 (?0 _._ _ Neer Balance $2,022.60 Minimum Amount Due $60.00 Payment Dore Date Mmrch 22, 2003 Total enclosed $ ? Account Number: 5178-0522-7842-6453 X.,t.id .T.1 &U- -Var, -ire-1,kkw -`H -N?k .; st,"t Apt e ckf 9ne ZIP Hmee Pb- Akamte Ph- 0 Emai Add- #9005413561148553# MAIL ID NUMBER Capital One Bank m JOANNA L BALL P.O. Box 85147 HIM 111111ttLall 111 to 924 WOODRIDGE DRIVE Richmond, VA 23276 ENOLA PA 17025-1545 Iu?r{'n??ut?i??nt?t??u??ut??nt??ut??us??nt??„t??ut? Phan tuite)owxwwrt nwnbermryorw rhea a money order m0de7SVWe 10 Cat' td Ow Baat and Xdl in r& enrbnd enu&,te. r JOANNAL peoplepcta online ? A better way to Internet. UNLIMITED INTERNET ACCESS 1-888-587-9669 e Mention Offer Code: DIAMOND Or visit www.peoplepc.corrl/go/diamond LppPry j d§fk,Dled with CapE11 Capital One dam r101 preside, endo? or guaanlM and R. eery, a serve. shown ru?+e. trademark$ m?ent?d hatin are sot owned by the respective entity. At rights reserved. By responding to this c ter, you may be commuvating information about y=W to the company that provides this product - for example, that you are a Capital One oatomer 'PecoaM Online: Frsf 3 months are billed at $4.97 per month: $9.95 per month thereafter. Oflar hxls!* to new dNFup subscribers 0 least 19 years of age and may not be redeemed with any offer offer. Offer sugecf to change at my lime. Phone technical support available for $1.95 per minule. (Aa:oleratar is tree for 12 month. Offer good for limiled time. Alter the fast 12 momhs, the Accelerated evoke um aAmwtlcaly newt to the standard PeoplePO thine service. Offer ar6ied to d.ange at amylim. With PeoOePC Online Accdarot4 ceti m Web page tut and graphics will load We when compared to standard did-up Infernal service. Actual mach may vary PeopNPC Onrns Accelerated is only compatible with PeopePC Online MNnwuavice and specified Mridowws;0 bowsers. PwplePC Online Accelerated is col compatrble with Wndowso 95 with NE 6.5 SP2. Service not avalable in al areas. Access few, taxes, and other lees and restrictions may appy. Telephone lcli charges may apply oven gluing trial pe ioda You are responsible fo determining whether a tW to one of our access n rnbom wB result in telephone td charges Aaess may be limited, especially, dying times of peek usage, DeLup mambas may be dlarod at Peopiw-Ge discretion. Continuous use subject to timmout procedures. AN use is subject to P'eo0ePC Ordne's Sen foes Agreement and Acceptable Use refry. 5fK is the mxhern speed of service actual speed may vary. O 20M PeeplePC Inc. All fights Reserved. PeoplePC Online and Its logos are trademarks of PeoplePC in the U.S and other counadek 02006 Capita One services, loc. Capld One is a federally registered service mark AI rights reserved. 1. H s? ter. aa? b. ruraaa? t_ td 2. M ? s t_ a? 8 o 00 N N h if ihac acid lo aveaa rid A Flhrnss Qrs. f i d e ratTo oburh the awraq daily balance for the ;;r: coo t gle tw tab the d b Maxou N ou aub o wiod. You vvi have o a sainimutt grew per . , covete es y rv y r airwlw, nwr Tech! an novt purchases aml P nave other l if you Wy your taiai Balance', in stw ==91h ng nsa and err btract m or credo. (N ttre code N'P. an tho Itatt of Ns -1,, 11 M she annuK lace wait tee important Nodes for P@ym nee below, our rrM natetaert f it t be edted b iY sutm awK mad m "BWttw Res AppaW To; ova abo obuact any LapoW ai1Ce dtatgo itgtidtd In do balmace and wl you m er s r ns o cr y y or clan. Timm N no firms period on cash advances d l I of each septtat.) This awes -the baWtce of each vn am r to dale bairrso for each m TTNa w ? D d m ecswatt Di s no {Zoos pe a odd irerlema In adttlm, don uas-don 11 yw dl not pay the toad lisw t sgns , aepnsd f.r the Wip ad ddda by tha teal This grew u the . h tha period number of 7. UU.ste??dp Yam Iwdh urea 0 Fine, CAayw Ttasaelwr MM w not . Y wimps dry balance of each seglonc ttansectim to a grace pew an aaaowd Inamce chats 1) 3. Mad Mnentage Rome IAFNI. 8. Netree Abe. s bm of ft m rsa dlorl or 2) from an data the a. The turn 'Aland Percentage Nan' may appear as proNcls • d doll Is ompspep m your oc err 3) flan 1M -APR" on to halt of this s aamlallr. 11w hfomn 1 ( adder Yda of 1M srrom bYtq period AddtlpWy, b. H the code P **W, L Oise, LIBOR, C f0.nd6eate of i simraNe h u mayB de-rt co?f n a mie tlrrgaa, 0i n the m a.wirriat do gm dm, but dd psdNcaA mo sit Unpaid iwtw dsrow fre? Pot imenodid? r`c' on B9rR".2--m-RE rapeaa?}arlsoe x01 be on h Rwwdawga. eta raaerve the arty or i /lrltoe chiMas for try avan n fhWlis New Prdrarl. 4. w appy ttr pmoac law tr cram to ad m the Wyse of wall 6. tr eel o} she _ padod, we add up Deposed, or 8 Badcard Rams) appears m to hoc of this emissions red m do peibdC r te(a rile oedode rows WW cotee?w?9 ANMIAL PE 911AOE RATWS may wry ga ruAy d may I ' w dteteew based ondro wed hdcae, a found In )1M WN Sewr jouned. These Uw?lpat?lH I ifiscdvs m 9discsed to 0 / day you. basing P mow it WAYpoBu, +p,?er?kde! statement erdrV h "w c. hithe code D pololF 4y!?ptpoesumOfp a 0 (3mc on Ow franc your LIBOR moea etetometuR t naaa sedta m+ee(tl dr perbddc may and stms?wt?l? ANNIAL PEAC?1 A"WWT00 V01 maltNy andmay r. or dxrser bond on the laud i dew, so foul h Do Waf Sess1 dorawr, phn the rnalat pmvistn dedord to VaL erg period vvi b sRaotlive on ds lest day of your each morith, Aaaawertt of Lath, Overholt and Rsaanad paymsmt F. Your aecsad Will be awed no mw than tea of due fees laud Mee that occur dakp any bi11tV pealed. under the teens W Your artamer AgreNnso wo mane to rat to xdw a rot to asset try face a5 pdet rotlicatlm to z-7--= our right m wow lit esn or almilar m th If a t em eab4millp t V lac 30 u to day.from do data "dstatement sup reiledwto yo awed ppseiWlrqq she be or m have such Ise credited be you H yau?eaioai your adoaun. QhV No peded, you may caches to use your amour Wthan IoW V Is pay the members face. To amod yam account, you sue now s by sing OR Cstanr Relation Department and per ywr flew Balance- h full feacludrV Ms mrtbaanptos) ptisr m 1M std e1 tlns thirtydsy peAcd. blur for poymam, H ewes N a stcvtaa, to foe wa conham Sa1K pah U dood by few, Irma to an paW h M u d?4rd above. r card or acoast tarot be any ionot grndbp cloak oso-11n What you === ww4m m Ao pa bars you bor k account or to hbtmation from your d k to trasnamcdon, make an I, I, e hrd transfer, hrds my be wldldawm from yar barest acow t as loam so the same day sus lmod your peymsnt will your deck back front mafiddorr? BILLMO Ra0NT8 SUMMARY (h Caw Of Enos Or Quad- Abaft Your Be* If you dNc your bbd N wrwS or H you turd mess htamadun m. tmnaacran or bill, welts m is m a ate shoot r snort se Possible at the adder for An of-it hen Y•ul mesa later u on a of o rim aftt r taw awaok wou the Mat lea m vdteh do err r p Youl can (Wpysea oaruvreCirtenlr Rdeder narlber, bra: rxl not kdonalon?Y.ur nmah and accont nsmlbto do kdo-to er, do Mar amount of the suspected asr, a dwedpdan of the err and n esddentlarc N of ocWh»ey you In I them N on error; or N you more more hbsutlan ? dsmbdal of the Iwm you am user aabbouL You do not thkanw to pay any In q..dm mpon you as dall n¢nrc or wlu ? action to collsix the .-w you c b,t spedd Rule For Cmdt card Plsd-es it you haw a problem wdh tha galky of property or eorvfow Zhu you whoa credit card and you Ise tried h feM to twnba ter gahlem wku the linldlaid, you may haw rile a Aait net mYpay dr Inltairmmnp rwrlt mks an tls estrkr. su have des or erode posted as at that day that sm Allocated 6. N You Clew Ynr Aocwt You can mium to class cam our Bummer Reladro v w atam data bdrds oaurr acca.K b rn TN t PMUKd m oNy Van n ter pudsw plcs yes mom than p pM . w m o e a N you paW ilk etraat W year accoteM. favuawr y yy oepemom. Yw mum doomy your credit cardle) and !5-0.00 wd the pumrw ww made In Y•ur hen state or t 9 100 a f lln tl t a ri Of , rlO shawl m you pmNas sutwnat in /J (or oceaM aeewe cheele, eerod At pmenhadad bOV, n t n m cs o ; ar mra. Yl / n or your ma oprw the morcha d, or If we mated you tM w balance use Gem or a nadir amounntt)/ anew no Wddt post to you pndsas err yew dd d m th r l biW W turd seer uiq you aaaad. N you do not erod pmeethoiaad liing sm alIamerw, vw WI cerddr m your t of a du e our aWodaatlm to wa i ?d?ony for yes p10pNly a eevkw d ?•dm?ee• .m seemed regdAer Of seawall a balm or paemr.> e e y ise. e sgwm am no a e M sera" day balance by add" all the dry rgsdw and dvfdrq the cram by 1M rarWr of p p p rece Y eooant. AdMIpWy, your account xi rst b dord Lana you Pay al amounts you owes w IrdWng; any fMsmas dananbr m tqt dl camymdima. t p s ro ronwenrar non-aodlr rortl acroaNa J n to mem rt Wisp cycle. To cdc," a yam total tram ecdas you low a shohed, trans c oVio, Post pp y rrq, andtlpty your awns da%=m W1Wy hV. the h de mm and by do nears of due fees, ovvtamh fees, nhmod payment fees, cash ad- loss and arty od- face assessed be your 1 Does not spp/y A, (Nm1Maa nonKmcrf card eec»nnh nq m a y itch, these may b.. rca bnxwn thN ealaLtlan sal err rent of aoooum. You am mapoesida far tlses amounts Wottw ppu they a t an your account at 0% mho mgrs to Capid Una slppolu kulmnation privaq pmteedpn; -our webets at spRaia dom a y".10 ened n Z oraN apgon r do Ism of this wtanat rise uxaaa a toy cc Minted b yam request to close the merest. This mar merit in a . uY One Is N a Ndra Am registered meMS cad of Capital p q b A71 l d o 200 ales- Rata Applied To; we. atlotclpty the dupe • m your aceoun sitar yal Mw a n, n FiandY Grpont autm m rssern t 3 G prd One O1LALa4K 51903s Important Notice: Your payment well be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not uses staples, paper clips, etc. when preparing your payment. • Now with NNA L BALL-FREE Accelerator • for the first 12 monthst-a $60 value aa 7 a rromh for frst 3 months; $4sa.wrno. thereatter SIGN UP TODAYi ' 1-888-587-9669 Mentiori Otter Code: EMERALD Or visit www.peoplepc.rwm/golemerald 003 peoplepa- online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Virus Protection powered by Symant,e- ® Pop-Up BlockerT"" g Spam Controls ® Smarter Smart Dialer Technology cW More Email Addresses ap t Internet Call Waiting CapitalQW PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 FEB 24 - MAR 23, 2003 Page I of 1 Account Summary Payments, Credits and Adjustmrnta Previous Balance $2,022.60 1 06 MAR PAYMENT RECEIVED -THANK YOU $60.00 Payments, Credits and Adjustments $60.00 Transactions $1,393.14 Transactions Finance Charges $32.65 2 23 FEB OLD NAVY #6550 HARRISBURG PA $34.51 New Balance 53,388.39 3 24 FEB TICKETMAS'TER7AMES TAY NEW YORK NY 108.00 Minimum Amount Due $101.00 4 24 FEB OLD NAVY *6550 HARRISBURG PA 80.27 Payment Due Date Aprl23, 2003 5 27 FEB PFALTZCR 00000661 HERSHEY PA 42.38 6 01 MAR BABIES R US #6425 HARRISBURG PA 95.38 Total Credit Line $5 000 7 04 MAR CVS #1628 HARRISBURG PA 32.91 Total Available Credit 51,611.61 8 04 MAR VICTORIA'S SECRET 0374 HARRISBURG PA 136.00 Credit line for Cash $1,000 Available Credit for Cash $1,000.00 9 04 MAR KMART 00091231 ENOLA PA 84.79 10 o6 MAR FAULKNER BBC INC HARRISBURG PA 250.00 11 07 MAR KMARf 00091231 ENOLA PA 88.29 At your service y° 12 09 MAR GIANT FOOD STORES #SiA ENOLA PA 64.67 To call Carat- Rdado•s or to report a love or stolen card: 13 16 MAR TOYS R US #8318 HARRISBURG PA 222.85 1-800-903-3637 14 18 MAR MIDTOWN TAVERN HARRISBURG PA 43.25 15 20 MAR GIANT FOOD STORES #SIA ENOLA PA 109.84 Fw free osGao savant serrux and speoal aiKOraer offers, lo; on Inc www.npitedoaecom Said payments tat smdinquirie.tae Attn: Remidanee Pmm.int Capitol ofSanim Capitol One Servioas P.O..Root $5147 P.O. Boa 85015 Riehmood,VA23216 Ridunend,VA2"W-5015 Important Account Information For service in Spanish, please call (800) 929-8137. Para servido on Espanol, por favor marque 800929-8137. F-mancc Chargea Xwereererxrrelukforimfodant infmovsion Bdararde Periods Ca.rrioa.Gre _ fAfV epp!rJ6 rdr AAPPR AK y PURCHASES 5$85617 .04052!6 14.90% i32 6S N m CASH 5.00 .04052% 14.9696 3.00 n ANNUAL PERCENTAGE RATE applied this period 14.90% V PLEASE RETURN PORTION BELOW WITH PAYMENT. T Cap?)C?j __ - @98$06 9--fl-5-1?-8$S-R?-7-8?44?-b-k53-?3--33,88-399$itE}90Oa-0-4(-386 __ __ aeep.iararairiar?rre? .-.r.ut6.rn.?va„s,?N ..?i?6?rr: New Balance 53.38839 Minimum Amount Due $101.00 sires Apt J Payment Due Date April 23, 2003 Gq Sur. ZIP Total endosed S Home Phone Aticent Phoas Account Number: 5178-0522-7842-6453 11-1 Add- #9008213561148554# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 924 WOODRIDGE DRIVE m =? ENOLA PA 17025-1545 Richmond, VA 23276 r IuIr[uIIutItIIloll list 11ur11w11loll IrnII mIIurI ImI ° ?usIIIurIllufill I tItIturIItIrIuIuI i[r1rn111Ill 111n11 Pleare witeyawatrowd numbffon your d^Th ormoaey crda swdeMaRe ro Cafitd awBanF and sari!m lbeew1xed mve*. peoplem is solely responsible for this offer, and is not affiliated with C*al One. Capaet One does not provide, endorse or guarantee, and is rat al6aled Ash, any product or service shown here. Any trademarks mentioned herein an solely owred by the respective er&p AN rights reserved. By responding to this offer you may be ccirmAcating ink/medon about yourself to the congerry that provides this product - for example. NM you are a Capital One customer. 'Peoplopc Orde:e: First 3 moMts are billed or $4.91 per monA $9.95 per month thereafter. Offer avaitatfe to new rid-up subscribers at least 16 yeas d age and may not be redeemed wkh any odour offer. Oder subject to change at any rims Phone technical suppal warble for $1.95 per Minute. tAccaeraor is bee for 12 wNs Offer good for ended time. After the Fast 12 months, the Accelerated service vvil aukmaticdy met to the StaidW PwoePC Omlro service. Offer subtect m range at arybme. WM PeoplePC Online Accelerated. certain Nib page text end grades wB load fester court compared to slmdard did-up item rt service. AcUel results may van. PeoplePC Orrin Accelerated u only comp Bible with PeoplQPc Oryfre sternal service and specilied WhImA browses PaoplaPC Online Accelerated Is not =We" with Wmdtma 95 vA IE 5.S SP2. Service not available in all was. Access fees, taxes, and other tees and restrictions may a".. Telepltcr:e toll cl ages may apply, even hstg 1rW periods. You am responsible for determining Stainer acal to one of or worse manners will result it idephme bl loges Access may be limited, especially during tines of peak usage. OW-up numbers may be clanged at PeoplaPCY discretion. Cardnuo s Lee subject to dmeout procedures. N use is suhjecl to PeopkPc O* W's Sevices Agreement and Acceptable Use Policy. 56K is the maximum speed of SeMce; actual speed may vary. 0 2036 PeoplePC Ire. AN Fights Reserved. PeoplePC Online and is logos are tredernaia of Peoplope in the US and other countries. 0 2006 Capital One Servkes, Inc Captal One is a federally registered service mak All rights reserw& peoplepa- online A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY: 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.com/go/emerald o O o r 1t flow To Avail A Firm car". I a. erase Period. You vN hew a minimum grace period of ppeedoda ratty To,.kdn the average daily barite for the hglhp oowred by die coo s ls rho dd b ocooum H k h- dtoWy been desert For eroaple• if you aWarlesd ¦ loam a merdana and vve rewire. front the nleldlet slur your 25 day, WNad Imeree de an now purchases, row bake" varrlem, haw spedY FIB IaMa and MW other dh+rgm+ If yet qy yes to'nl f BYanw•• In ts bNew d f = b.1 of sedt espnemm any row y, a - t to aidl espran, ad sbula any payntarn or packs. Of the VA N appears mow from Or We w+ Wo esterwtt rimer as ertw Ras App?!? aCw1a? M been daaad• your aweaR YID be reopened, Ur amw[ of ft chs g?_ M be added to yew account, and yes vA be tsgarow for win- H wan M . • or paymen es No erasion"- WN Va 111 and In thm for it to be credited by Voter reed atamment chirp date. Thor M no 9urw peded m cash advances ? , ambeat arry unpaid Itas chips as*asa In 1st balrtw or each egaersJ This gives w to dYN bNrtw or aech N dr ?aN1tyr baMrcaa for each add Tn t - rrtwtoeretsP M for your acowat, Aso tae N twrdnte :m be dr= to tM aaswk pamdmd by law, udl dr n Wr , ha bean paid n lei as doprod above. ant sped/ vesfe s. In addldrm, than Is no Brace Pried rmactbn If you do not pay to tout New Warty t er4 we sopnat. rpad and dvib by rho mnai segrneat for rho blMp ! A 7. Uemq Yw Aes 1;ur surd or account cots be p balance wr1a? This gives is to ranhbar or days Kerr h w;acUwt rdds any kwnet gNTMQ . D. Aosmin j Fires Gorge. TrraaNwa which am not aaaJest to a gran period an aaaess ed 6arra Berge 1) from fe data of the trarwcdw or 2) from the dam to rYy balshw of oath espnwa. 3. Anmadl eermage Rates IAPR4 a. The mm "Abed Pomraage Rste• may appear ae B. Noses About 13oeaonis Gtei Coraralen. When you provide a lack a payment, you maintain us ether m transaction s processed to your AoooaN a 3) from The last calerder day of the prrem bMrm peded. Adddori ea did not coy the How lair tram the previous If APW on the fiat of tthe suMm t. b. H to ode P fpdam), L 044 1.1900• C (Cavtlfcam of DapoalO, a S (BWrwnd Pd IS) app amm mere fiat of use hlonnatlon ham your crck to mks a onamltno MxtaoNn turd maser Non your bards aawt or to ptxaw eta paNnart era, lack trerrwtkn Wlwt w+ ' _y b?lq pealed h lea, to charges ca dmm tr no" to your utpild balance udl the unpaid balance In paid In fu, die soetttentt reed m dire periodic reta(H do perlale rase and wrroaPau?q ANNUAL PEIlCO)TAO RATE . -h uemab et Maamdc uo hbnratlon Iran yes c Ned vanrM, furls my be wMikawtt from your beie we rwwvs our d st TNa mesa tot you may aN owe iunce charges, awn It , a decrease based may wry 4smerq en raw se surd It IM WM Saoer s d td t y ume ay apvut r sow -1 ed you wed rot mc" yes dwde baclt hen payment 0 you pay 1st entro New Balance hAtned w dm from of your etatemet by to ma statanam chip dam, but rid , w w o Quote .fount plus ft merpirt peNOUly dlscbsad oo you A b efhpM w fro etR d1y or your G Th , Your M1trtdai Yt 0= vie do ao for duo previo s morph Unpaid satence alwgse an addea Firma Cherp. d Ve l o 48:r sepnert of your Aeooup. to b1111 r Fa each bKp "dad that rgse V ese, bohD Pabd wend by V. pNo4e w,srrtert wtYui h tlr tmadr Jrrsn, , JW ad Ocmber. BIILNO RIGHTS SUMMARY (tau Case Of Fmn Or Osumi" Abet Year BO ou reed mom wau w V bid s NI k f your aeoout s ablact to e frtstw carp, a M nimum tat RNANCE CTW WE at 10.60 Will be Inposed. H 10 o. H the aide D Wane). F ( -res. IIBOPo or O P-na LIIOR Repriced Mardpyl ?appppwean?? w dr from of yes p, y your v yes 1 hsnnedw m e uwoNw or bK wrb m us on ¦ I ossible at the a3ksaa for ate dim, se cram im at. laid trance darn tsaidrq from the apNwaerh of your vw iai atblroce flat o" raised slese tlan 30.6 0 Statement rat to ere P+++? 1" Wo a rates and ANNUAL PFIICOITAOE )tTFS may p sepr an 0~ w to free of cis eeeme . We must , P amount [nom to 30.60 rmi frnm and the difference w01 be Milled m the ptdase aWnm of your acc-L very?may kp or a6usaSS based m Uho anted Ideas, a lard In Tie Wd Serer Joemr pia se ti+rt es W m h i J i d? Ihear hen You ro stn tfrnh SD ddeacoys •Raf coo sour you the Let hi w vtirlh eta enor a proHrrt append. You nn but ibq in coil not tyY w Oaasnw ReNdar nmbw td. Temporary Re&n&n Ev Fi amem awed. We neerve the dy9 to not eraser an of a Lance charges for any dwm d p e w oe the matpirt Dmv o / coil be sfloetlus w fie Ent day *?;W bk>abd each morwil, • • OM u tlr foEaW+p ptessrw your ddw, in your satew hlomadm: your tame and amount number, the dollar IFRrq Wde 2. Avege Dear BYrw thaw Ittaluesesl. a. Firtee chap Is tekulaed mNlplyhp tM diary 4. Asseumrt N lat4 OrriN +td Retuned -=-.: ees. Yw awcum vq a aase"W ro man stn foes i d U d r to fall amain of rho suspected aanr, a deeall I of the error, and m n0." If pr..' of Yea hdsw than Is ou road mon a bsalprsr of m error or if bels.ce of each segment of your aaoant fa.cW cash advance, purchase, special tnroW wed apo purchase) o n e ing per listed bas that otar Qaehp wry ism of your aatwar agnernrp, we neaerw eta rigor m y the icon you es u cum about. You do not law to pay any ht ou hwados0nd it lib 1 by rho daily pedode rateld that hn bean d rin d d f c h wsiw or not m awn any lees Wither oior rdpcadan m Mtbu wrlWq our right m awes rho ear or similar y , sus an t w mnut aro stfl Bred m pay thep of Yar_ MT thN es rot u g ay e an o ea h proAmily m you. At s the bmrtg period, we apply the pd d rata for saorh at a later Mho an embomN Z:II A V h tFssdat. ova hvmtlp u Yes asMkn. use ahmot ropat you ere ddrgrert or ub any ecdw m ahlep rho eagles d your mcaad to to belsnes of udh aopnam. Than at the end of to period, we add you p - a m ou & appsam m the front al fie namnot, you Nov 30 arrant you quoaion. the realm el rinse an paedc Lreo EKE-5-u- wad tp 1st day Nam the time the manna sues malted to you to ewid o+vka tb fee w to haw suo h fes credited to you es ma th l d o i L•t Sped al Mile For Credit card Pudaaes taala flan each Segment to adw at eta toed periodic Macro W rye for you aooun. To get the dNy balance y e pa e , y f yes War aooeum. w ng ember to we yaw avant WNaa M*v m P+Y dh+ IF you how a problem with tin gAky of property or for each +eg ert at your avant vve take 1h+ b+dm4q bow" acfor aadh seperent and add eraroryr row transactions -mlmm ep tr. To Mahal your somurk yu Must notify tr by cSq our Customer Customer Department t the tanw• In L Wtdttln B •N d Services that yu erect wds esAwA and you law tried In good M& to wrna eta 1 11 with the the mmia h ri h h and amYpamede Lure carpe eNWmad m the PmNar days baiehw for that oe{rham. We thin sWtraet any g eov s pa your an mwMOiatip fee) pilot to tM and of dhs tNrtyday plod. q maclwuL you racy t not m y ove t e g w duo poprty a etNwo. You how this lerdu ptstad as of fat day that an allocated merro or p t bW b d il e. H You Came Your Aeeeut. You to ran rerFSa dwa carp our customer Rd+dar ouaurr acwuat b t oily wtart eta purpnse also w- mop drrt rdhese sun atrY N your hwme atata a 60 00 r d dr r w wpm" f W wiame N. TWs dwo w t a y for esch ==Of your account. Hewawr, H You pfd t o y yy O+P+nhm+rt. yes amts aleseroy Y+u eredt cards) and daAxed bB" N E d i . i p wl Wn 100 mom at your meiq aAYmse. Of va mw W h New Baim Yes Previous saternam h FN sr If your new Wariest vem am or a credit .nand new t , m, wno a pna re occou m aaxse and wseo trop Y+ur aocohmm. H you b rot caned e r ernerr vve op d IW am i d ti consid e operate tM merch • or If vw roiled you t &Owdsanar= r rty w N vdues d .- Or bcatfon of ) d trreaMllero Wirth pest to your purchase or apoe e y ° °? a s° w m • q g preau o te ah o u r yaw W d d a i W f° . P an covere . Plwse nmanubw m Sign of wrreapadaace. dal dY 1y bal . by a IeWte =, s f ft .4 tla balan and dMdnp the awn by dw raw&. of ose e l t b aa.L Aea y a wH you pry N emame you owp us Iriutdng: ary t pest r4t iltiefir, to eanwmw nm ffap cad socotemr the by hie earem b1lhg cycle. To calculate you tool Mnw carpe, -Ado Yohm average dally bda- Dy the traaacdaa you have awaited. tinc?e alurgea, pa aUO isae, owdauh /ses, rowned pyre Mes• teeth t Dove ew appy m b-Ol eoe<ndr cad -M nra dNy plods rm and by 1h I Member of day in am hElhq Plod Due t° raaWrq or + daily b+s• intro may be a slight valance bu~ die calculation and tea amount of advraa mw and any oMr fw enema to Vw +cnama. You am respraks fa tlrse amounts weador they app. m your accost at ere aro nequest m d to n h td Or taepord hsm+ticn privacy P we w wsbke N www.aahYpte can. Lams charge aadwry aaesseed. h. If the cob Z w N appan m the Fmm of IN. natomont eare ey am dose hid a account or t you r gum to des the aeearW This may malt in C+WW One s,1 registered SWAM mak of Capital Oro Fl ersl Corymtion All tigw reserved. ° 2003 nom to 'Oalaree aline Applied To: we muiapty the evenno duly bsnoe 1 earth seamed by van monthly =W:= .her yet hew w the reado'ro of tepid one 01 LOLBAK I 47B29S Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 003 Show Mom your loge! Special savings for Capital Ones Cardholders! 5 0 * on your next purchase when /0 you use Promotion Code CAP66 i Save (See reverse for details) Save this code! Offer good all year longl Remember: Mother's Day is Sunday, May 141H ; 1-800-flowers com. Call 1-800-FLOWERS•(1-800-356-9377)or Click www.1800flowers.com today! Your florist of choice- L--------------------------------------------------------------------------------------------------J Capital ow* Account Previous Balance $3,388.39 Payments, Credits and Adjustments $101.00 Transactions $1,413.23 Finance Charges $54.33 New Bdana $4,754.95 Minimum Amount Due $142.00 Payment Due Date May 23, 2003 Total Credit Line $5,000 Total Available Credit $245.05 Credit Line for Cash S3,000 Available Credit for Cash $245.05 AtyourserAce To all Cu"Mir Rda6om or w rq»rt a lox or stops cud- 1-800-903-3637 For flee online acoouat -ma sad speed astomw oE^ kV on t- w ..apib&mo,a Send payraeat. t- Sead ingairin tm Atm; R m itiLmPr-msins CapnlOtte swr;m tapioiofts rim P.O. Ber 85147 P.O. Bas 85015 Ridemand,VA23276 R1al,moa4VA2326?5015 Important Account Idormation For service in Spanish, please all (800) 929-8137. Para seMcio an Espadol, pot fawn marque 800-929-8137. N v PLATINUM MASTERCARD ACCOUNT MAR 24 - APR 23, 2003 5175-0522-7842-6453 Page lof I Payments, Credits and Adjustments 1 21 APR Transactions Cap 1 ElectronicPhonePmt AuthDate 21-APR $101.00- 2 21 MAR LOWE'S #415YORKPA $68.58 3 22 MAR PFALTZGR00000661HERSHEY PA 199.89 4 22 MAR LIZ CLAIBORNE OUTLET # BERS14ET PA A.99 5 23 MAR KMART 00091231 ENOLA PA 117.58 6 24 MAR WAL MART MECHANICSBURG PA 30.24 7 24 MAR GIANT FOOD STORES #S1A ENOLA PA 30.00 8 o3 APR VJM SUPERCENTER SE2 CAPE CORAL FL 146.00 9 o5 APR HERTZ RENT-A-CARCAPE CORAL FL 291.19 10 o9 APR ENOLA SHURFINE SEA ENOLA PA 14.89 11 o9 APR TARGET 00012542 HARRISBURG PA 3391 12 11 APR INTUIT *ONLINE SALES 800-523-0397 CA 49.95 13 11 APR BATH &BODY WORKS 0485 HARRISBURG PA 29.26 14 12 APR THE HOME DEPOT 4113 HARRISBURG PA 16.92 15 13 APR GIANT FOOD STORES #SiA ENOLA PA 81.32 16 14 APR KMART 00091231 ENOLA PA 6557 17 15 APR TOYS R US #8318 HARRISBURG PA 39.22 18 16 APR GROVE MOTORS I3220oa24 MIDDLETON PA 34.68 19 17 APR SUNOCO HARRISBURG PA 16.01 20 20 APR KMART 00091231 ENOLA PA 27.54 21 21 APR TARGET 00012542 HARRISBURG PA 16.22 22 21 APR TARGET 00012542 HARRISBURG PA 46.87 23 21 APR PAY-BY-FHONE FEE 10.00 24 21 APR THEO'S BAR & GRILLE CAMP HILL PA 32.40 Finance Charges r impaRmt alion Xwejerrmasenddtfa infmnn B.nW J ' ? V Pniw. Conr Pprln fP C:tiA1C rot R PURCH4SES 54,29339 .0408296 14.9091 $54.33 CASH S.00 . .0108296 14.90% S.00 ANNUAL PERCENTAGE RATE applied Hits period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. New Balance 54,754.95 Mim mutn Amount Doe $142.00 Payment Due Date May 23, 2003 Total enclosed S ? Account Nwnber. 5178-0522-7842-6453 Pk.gnntmaT.1 Zl, smda.e...JrE.e,?v kbwmurrNme.Hah 6..E Street Apt. e Cky s.m, ZIP Home Ph- Atsr-u Ph- 9.9 Add-a #9011413561148555# MAIL ID NUMBER Capital One Bank m JOANNA L BALL P.O. Box 85147 llluuullelululltl w 924 WOODRIDGE DRIVE Richmond, VA 23276 ° ENOLA PA 17025-1545 lnlJul!inltlludtllnllusllnillntllenlltnlLnllenl ? Ledlluslllsuultlt!tluu!Idtluln!tlslndJslultlnll PlatteraritepW srwrnraxmbaonyourrbakwmoney orderma ep9gmHetoCapitdOneBmkandmailintheeadwedemwi/pe.. r Get sweet savings on Mother's Day gifts for all the moms in your life ! 1 0 1-800-FLOWERS.COMO always promises you and all Save D on your next purchase when you use Promotion Code C-AP66 the moms you love: • Freshest flowers artistically designed Save this code! Offer good all year long! • Personal service 24[7 for delivery same day, any day • 100% satisfaction and freshness guaranteed Call 1-800-FLOWERS' (1 -800-356-9377) • The finest selection of flowers, plants, gift baskets, or Click www.1800flowers.eom today! plush toys, gourmet foods and more *Exclusive of applicable service and shipping charges and taxes. Items mayvary and are abject to availahi8ty, •Gifts exclusively designed for1-800-FLOWERS.COMe del" rules and times Items can be ordered online and by phone only. Offers cannot be combined, may not be available on as products and are subject to restrictions, limitations and blackout periods. Offer valid by leading brands you trust. Y g Y through 12/31106. Prices and charges are subject to charge without ratite Void where prohibited. / O 2006 Capita One Services, Inc. Capital One is a federally registered service mark Trademarks mentioned herein are solely awned by their respective entity. PB rights reserved. I-1100-FLOWERS is solely responsible for this offer and is not affiliated with Capital One. Capital One does not provide, endorse, or guarantee any f l product or setvke shown here. By responding to this offer, you may be communicating information about nn owers eom 1'800 yourself to the company [hat provides this product-for example, that you are a Capital one customer. Your florist ofchoice. 020061-800- 11S.COM, INC 71-800-FIOWERS.COMO uses secure Socket Layer (SSL) encryption technology to secure its website. t1 Flo f s. risky date. Then M m green awl special traders. M adreda M=m aarrecd- If you do con b Awtiq Pinatas CIrP Tra o tc. td 2 AA A. at to es seeovs. sew. To obtain h average daily balance for h ? ? accout It It has already been mms& For - 0, if? -Zft ed a Oarx after a th our Mai, new ohr I n dri add yang noow blrnes W ass apirn arraVber[ e mw y accmunt has men s. your avomK IM be IN WM in roass ba¢ou, to code N appeas on tlr hTarc i or cradw. of aoe A statement next w 1 Dr ?? W ry for paymaK a =: K, you rA W mrparDle == b trw be slab mralme f m t wna h advatoss W d ? ad F t arce rge r btract any unpaid frwra su of each aspnaro.) Tfie yvea o the balernce of each N do dad 6rrneee for wdn t Tlrrn we add u or your a e oun , b b. cfrgq, b tlr madam by Iw, ud h aaeur brafce ha bean hmkwd 3 r Gird Wow. Ream p New , p sogme d add by the sew estimers for the Wiq pado 7. UAV your MwurLYarr mid a attwd cannot be bi Moi h d ro ot b p number o fdayeh the e of outs w ood. This gives - the np r any armt gmn use In -a mdm r I • Ca Jorge 1) 3. Aoreall moor ge Rtee IAPRI. S. Nod" Abort Electrode Cheri Conversion, Whon you o date Val I) from dw a. The tam 'Annual Psrmrtape Rem' may appear as APR" an the fort of din stamme t. prwAde a clack es paymwrt, you s drake m either w use Momdadon from you dock b make a aim•rhr Addearesly, b. M the code P prime), L gw^ uBORI, C iCertNCate of elecaorte led trader ham War bade sow" or to m Praviakr Depth), or S (Bankead Prbnd apprre on to from of procw dal se a trek tronam n When we ? b So" to Is paid 611. this eratenrtertt Mies to to peAode rswW the etkde raw and ?t?a?np ANNUAL PERCF1frA0 nRATES uw lrlio elwoorc m your elrel to mad in had tiatrer. finds may be widx1rswn ham your bark even if ong may way 9uatenY rr drF knemar a deenaw bard r i t 7)m WN Sr t d I scout as eom r tM am salt we NM w War ou will rot receive your chest bale ham a ntnat aid i Val mat of I deb, but dd es r ne, as oa an the stab0 n ?aantG plus to me da lied to you r wi ba on to that day of your Th a , y p y your sinatdr Ytnlntdonn. ewe demon AagVIL ee ??q e sawnat o dreg pity paled oovap by y a BIUJNO RM" SUMMARY _ Y A p / ten ?f1 a? ? c. B R 1 h your pill la wrong, ?m amon IY U at bi wwda n a f d t -ML If the man 011ar , O on t e ?a nerarrrat imed b dal prdmd dal ?dodd iakm ANHYLL P AfrEAAT6 , t artr on on a rrrec eapa"M ran as rat r perils at dal addler for We mot Jdr showy on the hat of tli emrbrt t i8tmel Wt aromas vti loo rd mrrstpandrq mry vary mndily end coq trnmr a dears bard on the W k 6 TM W d Sa t A . g hear eom yvu ro Mar tlrrn a0 dsy? slat urn arrc you tM aamd Ycu ern Ntrh tlr ura a mbWn a s t I nl he ,, p r a n - athe btad hdedrrsvMr UMI Ldddor d1D you These rluryea h . p pp co on v War drearrr RaYtlerr comber, but doky r will not ? any o1wn y.r adar beery paled w m the be s molt maneu. Your dye. 6 your letter. 0- ten the hill-A p intomoodone your rime a i amount nnier, h dollar el. a day 4. Also mrt of Lte, Overawe rd Rekarod Payeort Faun. your aeoase Wit be ward no mae then two of dal per h 6itr d d U d roast of the aapemed sour, • ufeaerlpdenn of h error and n esplrotMA N?ssie etwM? you baisvs thm a M a dmmlpdorn of ou tact more kw I1w nftn r or N ta p. n yap tar ban) n er t g pm o e lined hem that occur durst any terms of your customer atyarwd we remove the fight b , an erro y the km you am uome Was. You do not have to pry any b e a n pdor Moil any vnlw t Mtr a 'd r d t ateoer ar bhF dk t ta iarot a the d u d rq dal dsY tae for win n mlvlnp our dyt to saws to esma or a ridt vAt t w n a Mra tn. o y p W p In gartbn. wa twrdoaos Your gimetlrl, we terra if?yrkprama of eauin L You Awuuus. It a mrnbomhlp fee report your doingrm or take any Wdon to collect the up to to aril-? n your dappears - the from at ads Asum-K, ays loom the do% the nnae wa you have b y e you to yo9-d., k op me m. We add up the avoid pe?rp the fee a to how such Im cradled b you t,t special 1kN For Credit Cud P dues e at to tdr pedode N You canal your amours. Dung the Padod, you may o on do dNy brartt camkoo to use your amann Wtharl having to pay h If you low a problem with the quality of pmpsny or w o bke the 6 weft membmrdp we. To Caner yaw aeeauw, you cool my mw tannedo is nodty us by acing or Cue ma Wisdom Dopauner to lewd an the pmviar and New Bdage- In f1 woudireg to M then Agri try = 1r) prior to to rd of yo tNNyday pod a cnWts pcaw r a art day tbat am Nocatod & N You CMr your Anemia. You Can ragirn b doe srmm. Thl Yves o h esMine dory baMna Wyaarr arxxmt by miyt ou Wrier Rd anion slprwt at you arxaep. Floveewar, If you ddd All OaParawt• You rmat dotroy you aedl ardW and tee atmww or you prmlom slabmrt In t/ for soocwt aceer cf a kk anal all peadmhad beiy w balarree our zero as roads amouatl row and caw u*q your amours. If you do nol scrod 8 O alb proeulgdzod ig aovnprtenb, we vA consider raumlpl of a deape You aurswhatlen to exist. AddtlaWy, vow acooun va rot b dtad ud you pay as -muss you owe m including: any trarmaedam you a- adtotzed imnce dupes, pa due tea. evararnrll fese, mturouf payrnem tw, Cash ad- tea and any other U. sword fe War acaant. You an raper III for dress amorrta WWI r en yaks ace." at h three Yap mgimt =W Omaat a they me 60rlned su6aepmM to your request to dot the accorrt. This my roan In duryes appadrtg m yaer axaza after you hews -he enveee ohm you mftlt a credit cord and you low irked 6 shit b mnsct the pr A' with tle mrdott, you may hove dw dyt not b pay ell remdmng smut dal m to ptopeny or services. You how 1Ne loomcdon oNy ter Fradnre ?M• ?, was mom then and tfo ?r our ooOe in yaw Itne new or within 100 n!!! ,of yu meiry addmse. Of we own or operas to wwdnrt, a If we mNad you the a seivleee N wmftw mm for noor to slip as co-spondenw. t Does not appry b mommer nonaadS and tccomwt t Does not apply to tradreat non-crMN cad -counts Capital one euppata 64matbn privacy ProwWon w our webake or www. efm.mm. Gpitr Orr w a y service mark of C pIW One fkwardd Corpomdak A71 dyts Mersa a 2003 Csplul One 01LOLLkK trairsetlao vvlieh pan to your puuhse a apoefil deeyWo r ipsoda9wy pr?rabby a dal p a6 the braces feeaaw ad dmdrq dal oar W h mrber of h lap In to tartars hmreg cYrla• To erW to your tow rnernce rymrpy mul War a-wgs ddy braze I>y do dA osdaee raw «d the nnu6ar of lays M a. airing ba s pe Due to raMty on a d icy bads, hm my dyt -taros 6atwarn 1Ne adadan and h arrant of the c d app awned. d If h code e Z Z or N N apposes m h from of 1Ns statement con b 'Balance Nate Applied To. we rnrtlgy h air chit.. balance n ankh aaonare W our mndrv 4806eS Important Notice: Your payment will be credited to your account as of the data we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ' First 3 months half-price a $ 97 4 a month; Sa-Wm theroatter Now with FREE Accelerator for the first 12 monthst-a '60 value SIGN UP TODAY! ® 1-877-778-1207 Mention Offer Code: GARNET Or visit www.peoplepc.com/go/gamet capital ow Account S Previous Balance $4,754.95 Payments, Credits and Adjustments $142.00 Transactions $231.48 Finance Charges $60.25 New Balance $4,904.68 Minimum Amount Due $147.00 Payment Due Date June 23, 2003 Total Credit Iane $5,000 Total Available Credit $9532 Credit line for Cash $1,000 Available Credit for Cash $9532 AtyourserAm To ceIl Casmma ReWioas w to+Ront a lost w stolen cerd: 1-800-903-3637 Fw free oslins aoosunt saviee sad special aatomer offim log on to: rrww.capibbneoom Send palmaoh to Senal aisiastoe Attn: Remittance Processing Calad oft savior Capiuloaeservim P.O.1--147 P.O.Bose 8507S Richmond, VA 23376 Rhdhmond, VA 23US-5015 rtantAccount Informadon Capital Oat is a proud sponsor ofthe American Film Institute's CBS prienetime special psaauation -'AFI's 100 Yeam-100 Heroes &.Ydlaim America's Greatest Screen Characters.' Of the cenany's great film heron and villains, who is the greatest hero and who is the greatest villain? Will the list contain JJames Boad, Rodry Balboa, Hazuad Letter, Catwomi m, Irtd'lena Jones, Nora m Bates? To find out the . mom answers to these quesiroas andmmy bore in to CBS, Tuesday, June 3 from 8-11 PM EDT T) 7-10 PM m (CDT). a a 003 peoplepc- online A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! 19 Virus Protection powered by symantee m I& Pop-Up Blockerr" '(? Spam Controls ,Sp a Smarter Smart Dialer Technology ® cW More Email Addresses 49W Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 Payments, Credits andAdjestments APR 24 - MAY 23, 2003 Page 1 of 1 1 21 MAY Transactions ELECTRONIC PAYMENT $142.00- 2 24 APR RITE AID STORE 3611 ENOLA PA $27.24 3 3o APR TARGET 00012542 HARRISBURG PA 35.65 4 of MAY GIANT FOOD STORES 451A HARRISBURG PA 40.43 5 05 MAY KMART 00091231 ENOLA PA 34.15 6 o9 MAY GIANT FOOD STORE #2S1S ENOLA PA 20.52 7 11 MAY CVS #2321 HARRISBURG PA 40.36 8 11 MAY CVS #1622 LEMOYNE PA 33.13 Finance Charges Pkax see rerowievokfar important information adww nrr pffi. r 0-7--l WE apllklAr rhW R PURCHASES $4,920.10 .0408396 14.90% $60.25 CASH S.00 .04082% 14.90% $.00 ANNUAL PERCENTAGE RATE applied this period T PLEASE RETURN PORTION BELOW WITH PAYMENT. V 14.90% --GO006o 8- -0--"-7-8-e-2211142-6?3- 90468 14 2 00014-7-GH New Balance $4.904.68 Minimum Amount Due $147.00 Payment Due Date June 23, 2003 Total enclosed $ Aaomt Number. 5178-0522-7842-6453 A4e _'V bb..o,.y?! r-Al-E;L saes Apt. J Gn sea a ZIP Hume Pb.- Alseaau Phou ?• #9014413561148552# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 ???uuu???nu?hlull a 924 WOODRIDGE DRIVE Richmond, VA 23276 ENOLA PA 17025-1545 ?uL?ulludd?udd?ul?udlnh??us??ud?nd?nd?us? ?nd??ntl??uur?Jt?h?nu??dh?u?n?h?rlurls?r?n?h?ul? Pl=euritepurawsentnumber onpirrberkormoaryorder madsfayabetoCatitatDasBaakandmailis(brendoedensw .. r peoplepu online A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAYI 1-877-7784207 Mention Offer Code: GARNET Or visit www.peoplepc.com/go/gamet It How To Awed A Fiancee charge. t a. Orwe Period. You wA have a minimum grew period of 26 days wddem firam chs2e an new purchases, new l l b ance to ew eM now sped al th- and new odor a chaps N you psy your mtal fNw fie s, In credo accadanw wed lle Yrporta t Notice for paW-M below screamer , erne in *no for It m be cwdted by your next amtemem eubtram doing dace. don h no Qaw palod an cash advances or oaM i anal apadal trarMa In atldtbn, den Is no Rnw Period On-sm on am(uareacdwn If you do not Pay tle total Nsw wglmrt b. Aserulmg Finale prow Transactions which are not sub]aCt m a gnw pMod an aseswed tbrnw Mat- 1) rasher o 3. Annual team fe thh eel to 4snracWn a 2) lean the ohm the a. The learn tanheaNOn h poawsd b your Aeowt or 3) been to t l d d f f hle ri APW or rier te w ar ay o e current np os od Adrpeondy, R did net pay to 'New Bslace flan the revious It. N gu ca Ds cit p in Am c dmw continue 10 acc" to y p , , yyaourr iapoW lede ci u in unpald balance Is paid In lull. rates ant! TNe seam that you ma err owe lb- charges, even If Balance ested an the from of y ?she o rosy very m to su ismt by t il fma your stationers closing dap, but ltd not dew for 1M e iaa N U p ib h ,kNana/ i p anO v L pn en c emise ae angee an atkled m the wgmat W Vow Account. rr. heiran Fkr Far eadl Drtt p Pared cut Thew M bNp pa 'in tAe ma agwd r p edit,-. f 1he total N4FICE g W i itpos M OE mf 40.60 vvA be c. L N IBBOOR PA d ? e ? WA r don of y 7 a w ? l BO, ! t the d"oeonce v A be fion ilr if'so ipamhwhrtiun One Mae! to to td Tsnperaryr Rpdudenn Is Firwdae wa W a-L the r? do y Able m esesw ary a ON Braes charges for any given noott m y wA be of pa 6 2. Avatwgs Dear DYrw Raektima Nw PutArwl. w Fierce Mate as aloufatad by nsaddtac the ddN 4. Ass sme t Yourgroan aeOmmwt of yaw account to to daryl/rce of each G'I t aagmarL t nd 1M H Tof d a l l d d e l i cu resu r m w y a a ne 10 Or " at your psriodc tonne doge for each N oNa We add u the d r g . p results fom each segment to anto at the total psriole R y to eNinchoas nwt W 0 -DOW a N& To v got iuk. t Ir b l d p ag n rp balance IN sach sepnrr rd ON my now tINWCdae m n and snW, petloda tinme charge alafated an to psevlou d l t W an ays oar a ot ast?nrs. s ten subtract mY of Ihayrens aadu posed as of fret day that an apoestW 9 M to tot sspmewt THa dvw . to separate dspy bslaca f ch f Fl if . yr aeQSwt o or ea your Nmeane owaver, you pid the New Balanes shown my= pnaMaea autanerp In fup (or D N If your new balaca ern zero a a taedk amhmaman) cow trarrsctlerr wHch pert m ysur punier a apa1N r p ptrdow aaptmu era rot arHed to to dry balaraaw We to talrfa[s flee average did Miwa by by e.0 to dopy b ances bodator sed As(dkn she rm W the nether of at g O o N N Peop'ePC is solely responsible for 8ds offer, and is not affiliated with Capital One. Capital One does rat provide, endorse or guarantee, and is not affiliated pith, any product or service shown here. Any trademarks mentioned heroin am slay owned by the respective an* M rights reserved. By responding to this offer, you may he comrtarirating inbrmatlon about yourself to the company that presides this product - for exempla, that you are a Capital One cuatoner. YaoplaPC Online: Fist 3 months are billed at $4.97 per month; $9.95 per month thereafler. Offer available to nay dial-up suloscribers at least 18 years of age and may tad be redeemed with any other offer. Offer sub*d to charge at any time. Phone technical suoport available for $1.95 per mhute. tAceelerata is free for 12 months Offer good for limited time. After the rest 12 months, the Accelerated service will automatically mart eothe standard Peoplen Online svviea Offer subject to change at ary:ine. 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PeoplePC Onroe and Its logos am trademarks of PeophPO in the U.S. she other countries 0 2006 Capital One Services, Inc. Capital One Is a federally, registered service mart. N dghu tesa led. yar account if it her already been dosed. For exo mmp if you audgd:ad a puchaae from a nerdhNn and sus real- the trwagiont from t mordent afar your rd auLtux aM r Reffla f t h b account has boon doe" your account Ill be mWered, o o on s ns/?opnp aed p no anoutofEus dtargs_ r M adnlM Wur accoury, y, to you 041 range"(nrJurid?In she balsa mwM s o in for yar aeoom to he will caYae rte v Mace of each v for each _ m be dwwrL m ere sxtanc pemrhmd by her, up the awwc bianee M been Na i Ad d fi e ha W = by rid fey to tout P e w e n ve. 7. taemg Your Asev nt.Yo r herd or ac-nt caret be L erbd Thh giver a to ooyrrL tamed In connection with any kwmst gwnWktg uananctiol s. N xpw About t3eiba to peek Conven6n, when you Rah' may appear as FwAdm a deck w Parnet, you whorize u Mw to cement, tw Inbnnadaa lean your Mack b maws one-th 1.10010, C IGrttam of electronic (fund Yan@W from your bet acowsr or to o ? ` tl» r d transoctio When we t w ? n a M ` ar n ay[ y? pMo dc W u s in hmntlat n m tm yY eat it* da ctto an AL PFACE A RATES 1ud wnhr, vide may be wkh*v t from you bank reaw er darmmaw based I in 7be War/ Seger a cmit as sow se the arm day we reei- ypur payment, std yypa111 vria rot mwaM you deck back frank my disclosed m you y Bence hataioth. On Caw Of Fenn Or Ouwlkra About Your BUD if you twee Vag Ice b error-, or If you need reap ;ur iaarealen w • tn-aft t or bill, wdh m us on a rater operate imeet n span as pow6le at to sddrwe for mooYNe tmrl hrewn on to front of this ratwnoM. We coat you ro hid tun BO aha were sent you the pia what big m wledt to error a appasntd you can an cell our CYtalna Relstero number. but deim m Wes net can m we mw day of you bmv pwad pr YN riom. in yea letter, give ue the fMowimg It Late. Ovaeak ad Retuned hYarent Few. inlwntatlorc your rema and aerie number, the closer rnant of to suspected error, a nheolpton of to war wA be amassed no tons tertwo d tlr /era rd an aplretia, R posa6le, ofhNw you began tee Is t occur dudng any felbg ear" lector to an error: or if you need mom Inhmatent, a awbdpdbm of cual- agrownent, sues raaerve to dgia m e asaew any fleas VA&. t Odor n.d?eathn m dvi oust ri ht to suer to - * l to ham you are ensue about. You clo not o- to pay my amNrt In vdmb err an YtwrMadnd R, but yes dB ? tl _ tu g g a or A ar .A aro otnot re not m paiytv mrdpoaay ro of ya?rr wbt ? eat. If a membership be repor dolinir q r or tale any aa7at to collects t Acct of this sutemrt, you have 30 errant you 9-1- dam Via "naarn vacs milad to you to W the or to have such In rodhd to You b,t Spa" pie For Credit Car Piadasae lar anownL d>taldp his pedal, you my as y ur account YAO a having to pay to cancel your account you tntrt If you hew a I Ahem with do quality of property or , !M our cum- fhhfa s Dolow"nont - asMas dot you wile a meal[ Cold and you Ieq trhd 1n laldt to tenwi the proWern what to Now Balms In tug tatrAdng to m 4) to OW of the "WAIRY pariod rmrden, you Imy hove to olds not topoy to nmaHrng tog wp t d o i t. Our 'etr Aemst. You an to*" m don ry aWp our Customer Rial{ane a er on t pert or wr oaw her this prerKypt o%v= tlr ::u pIw vqe mots trt au mum dearay your oak afdle) ad irA.00 rd rw sum ender in your Imes Kate or within too ndw of your maeng adksa Of era own or a elede, eenntel Of pmudefzed blikX6 oeoLLNVou do rot q operate to aendrt, or If we asset you to adwottw nent w ty r erg psdese? hYLt a rilpn a.w oo h =7- Mom xdrw toutt baa(art of p y NNefz aqa your atlon mamseen lendy your acmes wA not be dowel . w m slit .1 correspondence. remember , M asauts you owe u bvlurdng: mf fo daysdi to ounces b14ny eydw To calculate, you tar trareictcni you haw irhres rahargw, pees t Doe. not aA* b mrrarana none-ofir csrd amutes fnaca margs, me yea avenge dopy balance Dy Ns due few, ovarMtt fee ss, , p¦yman taw, cM dWy wu W by tr nuMa of days In to bNliq advma tees ad coy rlw leas a$semel to your i Does nod agp/F to arafinp naTrmoN eeN eccormra pa Dtra m rwudnp m s dMy hash., taro may lea a aeea You era roaprrlWe for too -norm whaor atgin wrirha Mtwaan des WetYtm end the arrant of try appear m you scoouu at the ace n tegmwt to =One apPan Momatpa privacy protection; ace our terse MarOS acaapY awerad, e account a they eraituned to a www.odpl con. b. dose f N the code Z a N agars m the hamt of his wtmom yar nquor to dm the ax-ad. This may need in C*tal One Is a fitMrYyeiegbcsred ssrww mark r Capita nehe a 'Brace Rae Applied To; sues naafply tone ehsryw sppaarimg m you account ahr yes hew Ono financial corporation. All don nerved a 2003 evrNe daav haWCe sf eadt seanent W weer rnonWv ...red the ... to M dosed or nwwdro of Capita Oro OI LOLBAK 480995 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addresaed to our Virginia or Georgia processinV center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 pm. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. First 3 months half-price .01 AV% 1 $ %or 4 a month; 3s.sslmo. mnreaner D., REEAccelerator' wAen 1w dp, up /er rt months SIGN UP TODAYI ® 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.corn/go/opal 003 peoplepu online u A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! Email Virus Protection Pop-Up BlockerT11 `j Spam Controls sap smart Dialer ® cW More Email Addresses a P 4 Internet Call Waiting n a Capital s Account S Prevrow Balance $4,904.68 Payments, Credits and Adjustments $40.00 Transactions $138.65 Finanoe Charges $62.98 New Balance $5,066.31 Minimum Amount Due $258.00 Payment Due Date July 23, 2003 Total Credit Line $5,000 Total Available Credit $.00 Credit litre for Cash 31,000 Available Credit for Cash $.00 Atyourservice To all Costumer Rekdow w w report It lore w stAm ard: 1-800-903-3637 For free online attount service and specs! orstomer *F^ In en tar. www.apihkneam Smdp"nentstm Smdinwirintoe Attn: Rnaimnee Pmo"nt cow OneServm Capital One Sa+i P.O. Ba 85147 P.O. Box 85615 Rid -mL VA 2n76 Ridmmd, VA 23235-5015 PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 MAY 24 - JUN 23, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 27 MAY CAPITAL ONE ONLINE ACH PAYMENT 340.00- Your scheduled payment has not been received. Please remit the amount due appearing on this statement If you have already made your payment, please accept our thanks. Transactions 2 28 MAY GIANT FOOD STORE #2S1S ENOLA PA $3.66 3 02 JUN VERIZON WRLS 0334101412-63.5-2012 PA 105.99 4 23 JUN PAST DUE FEE 29.00 Can 9 million hungrylids inspire a nation? It's inspired Capiml One and America's Second Harvest, our eouV largest domestic hunger-rdief hm , to build an online food driv. On June 5, 2003, National ITur?ger Awarenex Day, and thro Owm June, you can help feed hungry children and their fimiies by supporting the online food drive at www.secondhavestorg. You were assessed a past due fee of $29.00 on 06/23/2003 because your minimum payment was not received by the due date of 06/23/2003. To avoid this fee in the f Aare, we recommend that you allow at least 7 business days for your payment to reach Capital One. FrnanceCharges Phwremre .teirdefdriarp danrinfmawion Bd-w, C pzr- Iffr-111, APR PURCHASES $4,97!.24 .09082!6 1490% $Q98 CASH S.00 .01082% 14.90% $.00 ANNUAL PERCENTAGE RATE applied this period ? PLEASE RETURN PORTION BELOW WITH PAYMENT. 14.90% .Can-W-.Y1e -080x800-0-5i?ee 27ek26 75-3-2-3- 23tftN -- New Balanm 35,06631 Minimum Amount Due $258.00 Payment Dw Date July 23, 2003 Total enclosed 3 Aecoant Namber. 5178-0522-7842-6453 Capital One Bank P.O. Box 85147 Richmond, VA 23276 A'rmrPriref nrsTmr db?rra.Lerr+w.ilrbmgnlrbvwbyi/worN.?k eeE Street Apt Gq soar zm Han. Ph- Al-w Ph- E..1 Add- #9017513561148556# MAIL ID NUMBER JOANNAL BALL W 924 WOODRIDGE DRIVE ENOLA PA 17025-1545 m -? Pleae urileyowxramt numbrron yow cherl: w money ordermadeMahlrlo Cap td OneBanh and mail in the endwrd envelope. peoplepa- online \-/ A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.pe9opIspc.con-Vgo%pal Peo*PC is sddy respasble for this offer, and is not a8d'ated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown has Any trademarks memaned herein are solely owned by the respective enitK N rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides Otis product - for example, that you am a Capital Oie customs -PecplePC Accelerated: Fast 3 months d service are billed at $4.97 a month; $9.95 a month thereafter. 12-month commitment requred for PeoplePC Aadaated. Monh-to-Adordh pricing with no term commitment is $14.95 for PeopePC Accdaated; $9.95 for PeoplePC Online without accelerator lechnology. 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Access may be kmited, especially daring Oren of peek usage. Dlel-[p numbers may be changed at PeopkPCS discretion. Continuous use %Ne t to timeout vocedurm N use is &AW to PeoplePC Oninh SWAM Agreement and Acceptable Use Pdicy. 56K is the ma)dnm speed of service, actual speed may very. 0 2006 PeopW him N Flights Reserved. PeoplePC Online and its logo we trademarks of PeaplePC In the US, end cow Moslem 021186 Capital One Serviom Inc. Capital One Is a federally registered service mark. All rights reserved. 8 E> ,1 O O 1 Haw To Avoid A Fitnw Chap- f&. erase period. You MI hws a miinan grave period of perlodc ram. -To obph rtr average dally balance for the b®rrg oovaW by this waana?, vin nb the dd b l f ch d ma your a-aaa if It has dnsedy been dosed from nranpls, If you auledzad s pudrw tram a madWK and wo wiw litho trwacdat than tM msrdrrc ovine ar 28 days Adieus }mince do on new purchases, now bWnce stareten, new weduws and new other ' AE y, a try new a atoe o ea wpnaYsa . ves to seals sopmov, and wbvact err/ Dalsrww t f W d d N th f if i y n accwn has been shoed, your awoua wN be mepertsd, ea secant the rears of"char will be added w ealanee , In dorgse It you Wy yam tool accordncs welt tM Npnant Notice for prymame babw, ?paata n on o e n. ( a or uo ve w e l seamen area m'BYrss Rao. AppNd T0.' war abo , y ge and you vA be taaponrw fa parn*M H show Is a and In Arm for it to M ended by yam mitt astemerm red d d subtract any uisald !seines chop itcbAd ih der balance ! This eves us Os daily balance of such f ch ae nad manoaartp be or your stmms, do fee wall arWnn arWnn lo M triaceq to tlr cam psmirwd by tow Wd to M c h a den. Thom Is ro gneee p vances OWn Is no naw period and aped( transfers In sddhon o ea p . do dsarily,y, balances or each wgnad. Thal, add utpps , aecwtt Wlnce h» been Wta in flat tl da6ed above, g . , on any tiawaNn ft you do not pay the soul ftaw ' ? seonwa for se. Miz pataa and dvkb by the local 7. You Aomcaa.Yaa card a account carat be V l hh k bo toeless. Tm-akm Mhkh an not Aw i Fhenm Chr ? b nnhba of days In do iNi?gV penbd. This dvw - she dry blocs of each seg new. h -.Wa t. w arty wrrrt gam l r ....d W. g p . . m stgact to a prase pealed an aaseaed 1YWrhos dump 1) 3. Ammar M. (APR1. 8. Nodes About B rserb Chook Conveml- Whop you from M dKe raetlm or 2) h ar t d r t ro she to» sa ooff a. The term 'Amaral Pam uq Win' may appear a provide a chock n paymoa, you a Mwdze - aalrr to ce e tl d transaction is I 10 your a 3) lkom ft oy ? d o d r of Ow current y, nd . an to frong Of lift watunom b. If a f ms, use hionnadat laws Valor clieck. to make a one-di, pay to 'rMw Balance she tinders ff_ yw did not i 4 period In ftd, lanes A ge maim to atxmra lo ef or B (Baibard Pd ne} appears on ft front Ws spternas ma w Ohao tab W,sr wnbda n 10 process psymMd n t VMWM.Yion. When we are information Isom yea area to oub an ebcuor I yyaamr upsid balance roll the upYd belaWe Is paid In iul. reps and aptsr Ae 11ATp.9 fund tsaror, herds may be whitdawm than you bast This soar sit you my ON owe inters charges, even It may wry praeily ad nary kraswe or decmaw based t l d i 7M W lf 8~ f a-ma tl coon se to sans day we teaiw your wi not naaw our check back from t d you pay the endre Now Balance ideated an she from of you atatattaa by she mina aaanwm daiq dens, but did a on as n a on to Kmed oun JaaM4 plea to margat pwlarly abcoeM lo ytsL y peyrnen , an you ytu n nacW i.Wmrdor. not do so tar to poviou rntlL tlnpdd I so charges an auWed o sW applcape aepmwht N yam Ac-tan. Maf dm Et a al bli. hMri F Then cur be • n de. Mat day of your bW.g 1= by Yoe polode susnam adn0 Apll hlv and O. tober in sw .d Jaarr BIILHS RKMHS SUMMARY (let Case Of Fin. Or OLmedo s About You ell6 hane .ado. or se s d P sn t. ym aaco.ra b to a Luce a F*i - N 11 It 60 =6 f o , . . . ..- p, a H the code o f a v F fine LIBOR) a O 04w riced Ab.W n to from of our IIBOR R If yyouYOamadan tNtk yo r m IN wy a ff yew mid owe k n a stwand a bp writ. lo u n ¦ . vv hod RNANCI o . s taal lrharne dwde mulMhb Imm she amluson of yam p 0 60 Al b tl t y ep aupernac next ro the penom ratefa) tlr oe.bde rnea AMIAL PERCFNfAOEAATF3 m d , aapants s1eK as aeon N possible at tlr adAsas for adtl alawn n tie fiats of this Katamaa We rout In au pentads nab(s) al su tract W ton 4 ,nd ova smart from to 40.60 rN.hk aaah sw dfbro..e v O be ry a? an wry nay f..assae a docrew bred an the F . how hart you no later tin 80 caw ether tvs sera you the bled to tlo gsrJrr agwN I =ML td Tampary Radael(pn let Fbtrwe amps. We matins the acted irtdeea. tl foul In nm WM Sbwy.renera4 pW she morph pravAoW V disclaims to year Tlrtl Maheas d f t r d i h M W ai M ri lrK toil an wlddt d.s error a p.oMon eppeend. Year en er ov Qraner ReWar nn.bsr, but dd.p as w81 rot m w r 4 . let- N. tr the (elo t 4 In aria w Mroetdaver .ray a all Munce duptl for ON dwn at ay o > n8 pe o w e s ea s n r Your you 0 w . . O V o p 2. Avrpeq DNF Balrwe 1 Nov Prdune4 4. A. aaesut of Late, Overlima ad Ratumd Piymtnht Fwa. amount of the sunpowed of the env a. Rnaca drip b oafalarM muldpytm the daily Your aeaaun vA be ensued no more than two of to fen U d l l d bali t d i and in Nplanatfsns N passible, of WW you bellow sera Is r a if ou need move Inlow" a desc i ti n f balance of "Ch MOM of your aecara (e. cash advwd^ phrd.tla, special trrrlar, and -pear purdsr) ng Pel oved hem nut OWE o . n w ng shy o ur lasses of van customer " raw" to lw" lo ? p m e ror y r o o the ham you sin u sus abou. You tb not how to pay only by air -aa?ttd.q dally, pedadc retain) Oat hm ben At t a d of sand day during votrl aslse ou tham p.IO rosf-tlon to waive or rol to area try w ou wNlw wusWq au d(Aa to acme tIW ea.r orsimibt a.naaa In whls ws an iwaKigedha k, bar you ere ni o6 and r pay air part. of yam toll that an not y y . P.s the NLg war apply the d-ly pariedc sae for and y t - a a later Omer. tl in Qenb.L cure 110T to yam arwlon, we mrvnt dr k l l sevtord yam aoeaua to 0 dry bd= of tads aspnwu. Then at do ad of t)r bttBnp pr.bd, vve add .p n f L r+wKg Yeur Aeesud. If a menhW.Wp be appears on Or inn of Nov sure meet, you how 30 rtgan orta s o aet npm you as at to *e ect the anent you q -d- M raerlu of stetl M " 4do.r o craw at yam - days from Oo dew this statement hwtl marled to you to add tip the U pdode Mtaroa charge tlM sgnaa. swid irNns sr fee or to have such ire chadtad to you t.t special pale r« Credit Carl Rrtlrem madw from each ea- to aniw at ft total periodic if yet eai,ol your sooaam. During ate Iapbd, You mrY Luce ehorga for your account To get so bit continue to tae your account wlsrta hovbp o pay Or It you how a problem Aft Or quality of property or or each aaghun o1 Wr,ahem ova lake sr bay.ri.g bdrms for each as- ad ado arvtyy new wanacdon s t a h d nwMerrap Le. To Kral your aeema, you must notify w by colaq err Customer R1bllpr Opunnhaa she N e ' In iW lndud d Bd sarkm art whin a on* and a d you year how toted h bhh b -neeto problem wdat do and try ppee Mwcs dspe ml e pre ax lne an t chyle bdrhrioa%w sot eeppwa. We son a6tnet cry m an qyyoh ew rs cs mar8artlpalee) purer to to and of she Wnyd y patted madrna, you may have do rile not w " to rambling Mou t he sh o at Y u h w thi Of aeMco P.W-" a credo paewd se dart d-y Out am tented 8. H you tl- Your Asewd. You cm raps o alms ' t on e p p y e. o o s prK c pay whon tho hagwee pap was non tin o sW eepr.anl TNa qiw ve dye spa+n drY blase ou p-Id tlr wr v r if f m f a H h yyaamr ac-um by mNnp cur Qrta.rr RdNar r yam orsdl mdW and You nwrt dtlw oe rbrwa or ?80,0o aW Ifs W= wtl made In O , y o van a-ou . o e e or eac estee New Bdsrtee I~ an you prelar statanat In !cal ter I y p . aoeant aeoer drdt. mtrl all preaudahad halm, Aden top mdse of your mat" add.ese f we evna or openb on merclrtr, a If vin W"w you on smanl row If your raw lrbnce was zero a a ore tnnactio a vAdch Poet to your pterhw or specil and wee you aocan. H you do rot cancd pneuYoAaes aragamorm, vve vNl consider edtwdMmaa ho sr a aenviw r w am covered npodew of antwa a bca(n oT pulrw./ =fume aegr.h, an not added to the daily W amoimL We mkwt. do awraao drys 6larra by ad3g r the dry noefpt of a Jorge your au8rdzedn or wapen yaw aoocua. Additionally, your acoant v A rot be dosed Pie as member w slot all -rmpondoce. baharooe opalor and dvf?g The sun by Iho nunGr of the days In live current Wig cycle. To calculate you tod car you pay all anouro you ewe u irckdr.g: any traroeeaao you hew aWr = Lance durgoa, p es" xrrcro0a card Krounra t Does not &A* to mptoner Lunoa Irrge, m.ddpy yar average dry blase Irv over dry p lode rata and by IM mamba of days In air Nam t de ore, oterrirdf ire, ro pay owt bee, cash adv% ce low and try odrr fen atlm-ed to you t Ootl mid/ spply o bwlncas no ,-* card eccanta Period Due n ro ndm an a dNy tale, dare may be a rghl wriattee bawaen sea ealaastbn aed dw amount of aeoe.n. You am responsible for those amouse v/rther ado tide ytr wp-t to a" lp e an your Cupid One aupponte itfon.wdah prMry p.otsNn: wax W W W.mpWpr mr. webeke K ps aceW y asewod G If air MWrceDodoImZ or N appears n dW fora of this wtaront ' they y don llr ere-tall a errs l.lallled aDeaPam tU your requa to dose de aceara. TH. may meth in Oaptus one b a M1darry reyKersd ssrvks mark of Capld r Cx omdw A71 rl lw mood o 20D3 !Men Rate To, the nrlaply the an d be rnanthv depse dm an you ere-taint char you hew p p . .0d 4K 1111 one 48087S Important Nodoe: Your payment w81 be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. Er. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. First 3 months half-price sr 1 ? ,. month; $9.95/mo. thereafter SIGN UP TODAY' 8-1207 ® 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.corri/go/coral raa? 00:1 peoplepc- online \_/ A better way to Internet. PeoplePG Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerTm `g Spam Controls Smart Dialer Phisher Security Internet Call Waiting Capital oW, PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 JUN 24 - JUL 23, 2003 Page 1 of 1 Account S PreviousBalanri $5,066.31 Payment% Credits and Adjustments $147.00 Transactions $78.92 Finance Charges $61.55 New Balance $5,059.78 Minimum Amount Due $262.00 Payment Due Date August 23, 2003 Total Credit Line $5,000 Total Available Credit 5.00 Credit Lim for Cash $1,000 Available Credit for Cash S.00 At yourservice T. wR Cusmma Rdatiow a to repwt a lot w ata m card- 1-800-903-3637 Fw free onrme amount scrice and apedal suate meroHes,log at to w .Mph&nee... Smdpgmmtstot Sendin4ririnto Att.: ReemanoePromarg Capital Onasarion Capital One saricrs P.O. R=95147 P.O. 110s 85015 R;dmond, VA 23,276 Ridrmoad, VA 23225-5015 Payments, Credits andAdjustments 1 03 JUL ELECTRONIC PAYMENT $147.00- Your scheduled payment has not been received. Please remit the amount due appearing on this statement If you lave already made your payment, please accept our thanks. Trarssacdons 2 24 JUN OVERLIMIT FEE $29.00 3 19 JUL GIANT FOOD STORES #263 ENOLA PA 6.00 4 19 JUL GIANT FOOD STORE #2S1S ENOLA PA 14.92 5 23 JUL PAST DUE FEE 29.00 You were assessed a PIA due fee of $29.00 on 07/23/2003 because your minimum payment was not received by the due date of 07/23/2003. 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 PkamlKrepmeadeforrsepwtow tnformaran `? B.I.ur mar Pennrfu PURCHASES 35,025.75 .04082% 14.9091 76155 CASH S.00 .0408191 14.9091 $.00 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. Capita?Q- esa"ee o -3ae?;-s? § 3-?? 3 e Leo ?ose? 6?ee? New Balance $5059.78 Minimum Amount Due 5262.00 Payment Due Date August 23, 2003 Total enclosed $ AccountNamben.. sin-o522-7842-6453 Capital One Bank P.O. Box 85147 Richmond, VA 23276 Plerup.i.rc?.?7F, jdd +? rwailydmgrrkkc,mergWirarHrd eaE Street Apt 4 City Sure ZIP Home Ph- Ahama Pb.. Y EmaaAdd- _? #9020513561148551# NAIL ID NUMBER JOANNA L BALL eV 924 WOODRIDGE DRIVE m ? ENOLA PA 17025-1545 - a Hewurileyosraaourrtaumber oaymwrlxrko nwuyordermadcfayabletoCapitalOo,Bank acedsnailinThrcarloadmwfgv peoplepcn online I " A better way to Intemet. UNLIMITED INTERNET ACCESS SIGN UP TODAY: 1-877-7784207 Mention Offer Code: CORAL Or visit www.peopiepc.com/go/coral PeoplePC is solely responsible for tfus offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely avned by the respective entity. Ail rights reserved. By responding to tlis offer, you may be communicating information about yrwrsell to the company that provides dtis product - for example, that you are a Capital One customer. 'PeoplePC OnfinbNSC3-mI A Alike are billed al $4.97 a month; $9.95 a month thereafter. Offer available to new cigigo s0QdW Itg"loge and may not be redeemed with any other offer. Offer subject toE M aVy M2PS -0T_9t$cybnkal support available for $1.95 per minute For questions, cal toll-free at 1-88&5TRYN0W. Service not available in all areas. Access fees, taxes, and other fees and restrictions may appy. Telephone tall charges may appy, even during lr®I periods. You are responsible for determining whether a dl to one of our access numbers will result in telephone tog charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be charged at PeopbPCs discretion. Continuous use subject to tkrleoul procedures. Al use is subject to PeoplePC Onliine's Services Agreement and Acceptable Use Poky. 56K is the maximum speed of service: actual speed may vary. 0 2006 PeopiePC Int. Al Rights Reserved. PeoplePC Online and Its egos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capita One is a fedemly registered service mark Al rights reserved. g O O N 1. How T. Avoid A Fmnea charge. t o One Pared. You wed hmw a n**b grace p dad of h 6 d iY M d rats. To dxtahh the a`erape daily baWha hr do comed by this ervK, we take tea . h d dd b l f h yar amaat It it has already been does[ For e=*a, if you audwrissd a farcha from a mechrK and w+ t d h m d e U rK sta r our " th eees, new ona thaw purc 2 ays v caun u on eroes and now Dew balance uamiss new Wool eac set tw eac ry, a any taw a ance o paytneKa m aagt aeotttatK aM w ., rrwae on a o trt r t i y e me aceart has been ebwQ Your ataouK will be reopened , h Havr we', In durges it =&y our total 6aie a ntama below d b rtan N dee for o , = or Credits. Of to Coda R appears on f ado statement ttexx to -ealamw IYn App ro: we Wo , amount of tea damp will be added to your accwK, ntetc H dose is . auple for and ou vH be res a y aocof rta mgo a p , nd in thme for It to be credited by Vow ram; statement w8aact any unpaid I Burp icMdad In do balance p p y y marowatuP fee for yar aeoout to M will cadres closing dew Team Is na 1Race peed an pain adnerses etod l tran In addtfo etas Is no ow d d fe of eadn e?Mrtc) 7M gNas up the daily balance of each roe add t am the ddsdgyy balrtne for each se nnwK Ttum , m be mar ,=punt by lo , utd tea accout birna ins been h L/ p dekrd a: ry R p an spe a s rs. n arty uarhsaCUm it you do not Pay its tool New ' p g . L osanar[ for due biq peed rd aHde by alt. tool b l Th ' 7. Vito Your Aeeeet.Y- cad or socou t cams be m h balance. b. Awukq Fhatea Osage. Trarrealws which an rot d 1 fi mmber of days h ass lliq ps od. aa us the e ph dally bsdb hce of eadr roamer. 3 R t APR A l a In, wrvucUat wilt any omrrt gam rq trateaNenr. 6 Abu Fl d Cl k tk fe Wh N i targo ) ebJact to a graos paled am assessed nance fm is dam of the trawNon or 2) from is tab its . a" a nnua es I I. a. The tam 'Arr ud Pncategs Ram• may appear as en you . aoam e ar rwes o ot ce provide • duck as psynurK, you su hodm us.ahMr to trsraetan fie m your Account or 3) from the APR' on to fret of the monsters. use Infamadon from your dealt to make a orribM fiat Calendar of tea mraK frig poled Adddmdy, • ? A b. H tr cods P Vdmoi, L f3-mo. UBOIO, C K:entlicate of - d P i 8 A fr f abatada had trarrfer from your bait amount or to l d Wh M ffew Bairnoe ham tea PW H did not pay to yaur unpaid iWnw vttg the unpaid bdana is paid ?In, tur yar even it th ta o te do es TN t ur Dapoald, or Mar os m) appear on to ont o taus ands naoa to one MOW tea pedoda owrmppMmq POrC?FAtiE RATER ma ad roil hweaw or dseteme based wr amel uck ttawa art. ws procem tea paymet as a en use hbmmtlat from your duds to make an slaetmdc had tumM, Muds mmY W vKgndmwn fiam your bank we mealy aoewt as wort m IM some da ou e mean a you fm e owe rna t , you pay IM arose Have Balance hdiwe l on tea hat of y y y g y on the moved Mesa, as hug in The Waff Weer y . y r payment, and you wfil nor male your dtsek Dark from ? W - your maso nertt by the nod natanail ebatq data, but did d d f ea d ld W u i JMVK plus she memgh wwkuah/ disclosed m you d fl uM Th ill I t d f h A W YnNpttlam. your . ham rga not o m or t prev ous .m L nfo c ap l0 eegmera of your Aomm am added m the aOppMg that Fo ch Fl ? wWo W s e a ese on t rot ay o your is ledic sutwrtwrt wing Dmhp perked umwrW byAypadr?puwi awNO MWM SUMMARY r g a rea t. yar naauK umes ws??ssCC,y,y-to m __ d?rrge?a nii nun total RHANCE ptAAOE of W.50 wiles rrpoma. It the tea don d ul M d t f y c. H tar cods D 0'dim?F (lotto, l1BON or gyro. UWR Imprlmd Mandi?!ppees tMwhont of Y our mte et t b tea emme ns o If you d*.kt your br Is vmoq, or if you need mono ivdin to u cmfor alnew t a bil t the ee u tea rom fo ws rblmd out pabde tateW b Nr tlurn 0 50 m m r t P ld mry end CmayorJrq ANNUAL PERCENfAOE T i s poea e mam so a hOddm Yawn - tea (tat d"mmte met. We am . , .mount ham du F0. so rriirtum ad to dTlosame will be vary madrY ad may iuteaas or dxuam based an do how been you no Wer than 80 days after we sett you the bBed to ao purduw as ua 6 wad Indices, as found h Tina WO SbaN A mmat plus first bill n wNdn the error or pm bkm appwad. You an t d. TugwwV Recession h menve the ==V . the margin awiauH disclosed to you TMas durgaa call u customer Relations mm r, ink daft as will not dgiy to not sorer any r.1 finer" dweas for any given will be IF, % on it* fast day of yar brrnp Paled ppnressravvse your dom. In, your ever, r/w - the bBmNtg eb stamp ppaad eadh month info nadvc your home and homes mWr, the doas ?? 2. Avraga Day BaYroa fYSWnp Nor IArdanr4 FYn rn r s Y calculated b rtritl l a the u>d tl 4. A+waard of Lie, Overisi and Rol nnad Pa'yrnrt Faea your acoanm wi M amassed as mars than two of au bur strut of the wrpeetsd err, • deaalglon of the am and on of wtN/ am lsMtla B o•a6M n eet 19 y p ) q y a a oe s ti bo unce of each ailment of your arm m N.0. cash NOW Mm tlot oear debt any bflbq peabt tender tea w g ? p , y y , an err or If you need more hhtma v ¦ =11= , adana, pwchmma spodat Insofar ad spacial puadhrsl ri d l b h h d il teen. of yu orstmw agreseramt, vs reserve is right to o l f i the ken you one urm about. You do not haw to pry mny h l Y b k y pa o m ean by to apel t at as a preoamylm yam At the anal of each day "Init w w or not m asaer OW eat n m ess =9= witmmt wal dolt to or similar :mart w h vm an ut Yau . am adl a6m pry tls !sro N yar billthr ero rot to bNiq pe" vra apply tea ddy Padode rots for eadn sspnera of your aowvn to au d+ Y.- of eadh n a NO W G Yu If a memb M ey fee R:- h u}rstin, we. iwealmm vmr we canna report yes a deihcPert r tale any action to ammxt the ? = asp me Then n tr end of its pedod, we add up the results d des alalatar b dw at your dd i = W epprm on to ears of die auumant, you haw 30 days fire do dam this statement vas maned to ym, to l f anent you tymadon e a up s pedode Innate dupe swim "W results keen each aaprtnant to adw at to tool podede m our aomum To et do 6aurce he for avdd pvyhg de. ea or to have mean ee endiad b you H va aimal your aeeamL Duiq die podar Vou may ft co miss be use our accamrt vtam t havin to a $,t special ere nor peat Gd Prdu.ea . g use c y ap for each seanet W your account vat take iM balance for ssih setmemt and adC( sa1ry1 raw trafradlenr y p y g me boodg lea To emeal your account, you must metlM err by aWt our Customer Matlona Department If you haw a Wablamh wfth alma quality of propety or =M Uhat you widt • ondt qd and you haw tried h faM as nood orfeet dr roMan wedttr rd arty a finafha dupe calculated an du aevio s days hr that rmprrwt. We tnn subtveet any payments r cod ho posted as of out day that are allocated and pay yar •Now Belasa• in W waouding the m?map hit P" m tea and of ens ainyday pedod. e. H You 0- Your A"-* You alas p pa y, y on to pf?rlyjmou have No ?or sw amount on to to that soWwvL This gives us she separm day balance for each aafpmam of yaw aorxut. Haaevsr. H ya p fd tea I Ll l aocam by eWk, ar Dp.mmrt, you moo domroy yaw cmdt cadld and k o s d p ea roil move nun as udteae ova shads h yu home Harr or whin 100 miles of ymr mmaltq aLkeee. Of we own r for as statement n New Balance Yawn M Your Wav N your newt bona was ram or a ensdt smEend) new tumor data vNich post to yu purdu s or aPaefal accost access duc s. Cand a preaWu ud rmiiq. ;=%w= amain. H you b nnot athod nawwK.1f . ism vM caridr opmw IM merdmt, or If rm maned you is edvnKW amnan[ for tea property r d d fi f b f f d pu hose septwro me not added to to daily hdsmes. We alalau tea awraps ddy balsce by adig AN do day sthar and dNdir the sm b tr mmDr of ball m mosipt of a dote your sudwdzatin to now vour acmvt. AdddeeuN, yar acoam vA not be dosed umfi ats e.8 amain a w a us k kdn an am rnvsre ms?rC aas o amain cw put an o rw.) Pfeam remember to elan all corrsyadwhw. t y p ow days n to amrom HWg c1'da Ta alaLts yes Coto pry . v y a y trsrasder you haw auUWZaadd,, I.- chop., pat pea not sppry to crorusnor nono+aa7r taV aCeaamis t 1, ?heme, nml vu awraga dagY b.lmhoe by the dally ps Sts aedaP?ym tea rsanber of d.ye In de. Nakq P due fees, ovadmlt nom, retuerhed pry eam far, ash advasa fees and any Chun fees aerrad b V% 1, pmes mar apply to DtsASas nrmo:ad? amt aeenunts S to rotndrt m a day bored, don may M a l U wean. DaMeal INt f?el4don and Ilnt emeenr OI eldht .6 amour. Ya as reeparlDls for anon mhanu ur IIMy apMar rout yar aeeam al tea fine sPSS fe i Capital Oro mtmports itfonmtbn ptNary pfotecton sm our mWkd CapeRe at www »cera M oe Burps adudy assessed b. N the rob Z or N appasrs an the flat of the mt.-K naprad aumbegmm m dose Ts amain r nay am your reemm to doss 1M aaeam. This may result I. Capita one In a federdy ropiaamd service, mark of Gphai next b 'Balance Rata A.mplMd To: m multiply to averame dale Mlnu_ofeadn seanw by veer monrNv ch& appearing an your aeeam ahr you haw rmtmod Shur- mars to ken dined. rtM mmadm of Ono R amclal Corpomtw N dgtm msrved o 2003 Cepltal one OILOLBAK 459825 Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. L/ Capita?Qnee Account SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: JADE Or visit www.peopiepc.corn/gorade Previews Balance $5,059.78 Payments, Credits and Adjustments, $150.00 Traasacctioas $68.00 Finance Charges $6314 New Balz,tce $5,041.02 Minimum Amount Due $263.00 Payment Due Date September 23, 2003 Total Credit Line $5,000 Total Available Credit $.00 Credit Line for Cash $1,000 Available Credit for Cash 1100 Atyourservice To=110a merR&fww rtonportalonorswimour 1-800-903-3637 For five ou6nesewuat erricesadrpecaiaswmaoffers,lo$ontoe w .espitabnecom Smd pgm-b tx SmdinT iries tx Atm: Rautmee Promang Captdoaesenim Cg;ft1OneSerrim P.O. Bea: 05147 P.O. Box 85015 Ridmmd, VA 23276 Richmond, VA 21]55-5015 peoplepc- online \-,/ A better way to Internet. PeopiePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 monthsl ® Email Virus Protection (8 Pop-Up BlockerTM Spam Controls Smart Dialer L BALL %9g410 ftbl'E DRIVE 4 EN06A CAllIUr,9&N545 PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 Payments, Credits andAdjustments JUL 24 - AUG 23, 2003 Page I of 1 1 28 JUL Cap 1 ElectronkPhonePmt AuthDate 27 JUL $150.00- Yom scheduled payment lass not been received. Please remit the amount due appearing on this statement If you have already made your payment, please accept our tLanks. Transactions 2 24 JUL OVERLIMIT FEE $29.00 3 28 JUL PAY-BY-PHONE FEE 10.00 4 23 AUG PAST DUE FEE 29.00 You were assessed a past due fee of $29.00 on 08/23/2003 because: your minimum payment was not received by the due date of 08123/2003. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capitol One. Important Account Information Did You Know? Capital One offers mom thanjust credit card products. With more d= 47 million aocountq Capital One provides valuable financial solutions- induding auto loans, persoml loans, CDs, money market accounts and mom- to one out of every three homes in the U.S. Finance Charges PlearsnaremreriA*impdan/ ia)orswi on a { nee ?? N ?ir?b Me AYX G °O ,r PURCHASES $4.997.47 .01082% 14.9091 161.74 CASH 5.00 .04062% 14.90% 5.00 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. • - _4GOW0D a see ? sr?3 --2 7-842 3-23- a-50040 6 New Bianca $5.041.02 Minimum Amount Due $263.00 Payment Due Date September 23, 2003 - Total enclosed 5 ? Account Number. 5178-0522-7842-6453 ?.npriaenufuyaJlrnn.Jk..-?,.il b?s.+k! moyW orH.,F w.E stt Apt 0 Gq S.. ZIP Home Pb.- Alxr-a P6e- #9023613561148556# MAIL ID NUMBER 'Capital One Batik n = JOANNA L BALL P.O. Box 85147 I1 1111 11 1 1 11 11 111 11 I N 924 WOODRIDGE DRIVE o ENOLA PA 17025-1545 Richmond, VA 23276 ,n ?n?dn??rn?r??uJr??u??ud?uJ?nr?1rad1ud1mn11nJ 1n.111mIlluumIII rItIuuIIrItIIs InIrImIlls ilia 1u111ul1 Pharrw,teyowastern/numbsonyawrberkwmontyordernwdefayable/aGt0dOneBankandmailinthrrnclwedrn Igte. First 3 months half-price $ 97 4 a mono,; s9.951mo. Brereafter r peoplepa- online %-? A better way to Intemet. UNLIMITED INTERNET ACCESS SIGN UP TODAYI 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go4ade PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. Ail rights reserved. By responding to this offer, you may be communicating information about yoursel to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month, $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1.877-778-1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll dwges may apply, even during trial periods. You are responsible for deform" whether a cal to one of our access numbers will result in telephone toll charges. Access may be firiled, especially during times of peak usage. Dial-up numbers may be changed at PeoplePCta discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximun speed of service: actual speed may vary. O 2006 Peop1aPC Inc. AN Rights Reserved. PwplePC Online and is logos are registered trademarks of PeoplePC in the U.S. and other countries. O 2006 Capital One Services, Inc. Capital One is a federally registered service mark. Al rights reserved. r_ ?m r_ 1t -Te a? I balm char am NMI N NW ma wassasser 0. Am Wis =? iwr?m = tram first - i? yaul Your - not am r ter. Vii Y" Cal taw fee amo bdoyod td hlTom a? lln 2. Awry a 6 r bbd - ?1 >_ 'ep si_ tine m raW fora rid A Fla.na , Clwrpo, tot Ym wet have a minhhun grace period of psdode rats. To obtain the swraW drily balance for the b®rrp aowted Dy cis wna?t, we uke die dd h d your amour it a nee airway can ceesv. ma ararhpe, we if you aWadzed a r from a mstdwK all If des bon this mwdnam aMr your pm wldaur /Mail charge an new rdmese, mar rarfaM now v=! lams; and chew oftr I you pay your iad -lbw a ties in = oY. a airy new acbalrne d erdn a7rr[ ra m rdl es?a, and abtfaat rely wrws a sago. of the coda N appears m the fwtx 94C NW To: wo Was tar A "aY a119tIt hr ban al, - % yam aCeaK will be moPMMQ d» mew" of to dustpe will be added m V" aeowrc, and you will be raeparON for paYma[. H then b a Nod" IN Paymatr babw, a whit to bq ou nma sta imad In to be crafted b f op anoe statement rota m s btraat any tnpald renarrm dusrp In de bsirce mimahridip M fit yaw rcasr, the M wL carwi uo y y w or m. Then Is ro Vance peded on cash advances In addit% them h no gram period W Vanabm of each egrhatcIw This tlsr us the daily belonce of each segme . Tma4 t add N ft dilly bsrtae for each t Q to be ducal, m the suatt pan~ by )acv, tnd me account biarhoe hr beat win fed r drgnW asses. . rtecdn If you a nmi pay the total New ed ad dNda by the tool r aptteat err the aNhg p number of days h des sip period TNs gives ha des and or accent cannot be 7. UUNd?? Yaw AesaahtYoo hwdh aretwtfaet wM any hornet pherhMkq Flamm C harye. Trrarrbns which an not i a paw parlor! an worm"d finance charge 1) treamalan of 2) from the date the dins of tr -womp dry bsiana d sack esyhhad. 3. Arwsiwttara Ratan fAgt4 a. The tam Torus Patronage Ram" may appar as thsreedero. 9. tioba About Elaaeeris Cheek Qmnrdo . when yin pro" a dmdt r prowent, you s dtodzs u aMnsr m e at Is ter derM tr oor?tt k= ?merlooya)Addriomly 0. N to code P Rana), L 0-ire l)00N, C fCertlcaw of ll d PMW ears on the treat of S B airtime 1ud trrWasfrom your bri acco n o to wNrrri r a rite ' o"ass abn When wo ramse rat pay the New Sstmr tram the proses t - k app a a ( Deposit), or Ur tie sti mansat rwu to the pedode mr , ! h P uers Nat treat yes check to mob an electrode are m axna o a charges xrd rod h U, 11n rid balance tail the unsaid bdnce In paid In M. , tart all ?mrpor?ytp ANNUAL PFRCFNr MTE1B Md trarfer, Mss try be whMawn from your Eric ew da we naive aw th r tilt you may stir ores forum c arya, own if he stake Now Balnw meta ed m the from of may wry µtru- ltd cry Yrarr or datmwr bred on to rated latices, as bud in 7th WOO serest y axon r soon r e an y paymaa, as you rota rut neetvs your deck baelc ban amain by to naim steaers dasYq dam, but dd ? " 4 PM she 'in WMotrly drJOwd m you of your ig be afbN m de lot da g Th yes 1MnrKW irdouda? for the previous math WPM firaee doge I to the a segotam of Vo r Accou L tilt ega For asst b* p Fytanr fait CgFw epar y rgr w al bl. a[ mine bWp poba cowred by your d ad Oembar. in the mash Jentary Aw 4 ? „ fl . BILLNO NOWl3 SUMMARY (h Caw Of Firers Or Ouealate About Yaw BOB I ? ? t g r ' so V A be in piA7iOEmofal0 rro wa ifthe y pws ? Ibpkmtd Monbife l l m all m d* w e ibl wd =d etas maddrq fiat the amNeaftn el C bier than •0.80. war vA abtmc Ma estr wwnwat nod m Ns Psaodc rawhi Iho rd oatroandna AMaIAL frFACENfAGE Tf3 may d o w soon - a na li t r poss e a knetdes sow m the hart of this wtamarr. We erect ddilwlya afisr we ant ou the iot I b rant the ?0.60 rtibeun and de dlbhonw vM be e wry mordNy may irnaear or doses bred m 7otrrer4 plea r feed In Taa Wsa Saset d khda. an yet ro a y wr Am bA n wfieh the .=r mNroh appered. you an he ptmdnase wpeh d aehreuaht. v Rtlarbn h Fieew Qwtw Ws raaaw the . roo . the magVh pwdarly dedaed m yeu TMr dun o. as err t]amnw Reletlats nnia, fat ddng r wiB not any m t'i pajmeme erea - poredw d drt day to dot eeem nt. This films us de $apami fa aadh eeoehad o1 yaw axon. Howe ptedeh cwt yhvv Balm sawn on your e edt ? if your new balance wr mm a a a tvaractione Wfch poet m yaw P sea Purchase seponarw am not added to the d %= ahce by ad csWais = the aeu by 8 to day. In to cuuem NOV cycle. To a d? p fhaoe chetge, tai yaw average d pad ode raw and the raanba at d cr O y do& Due to raMtq m a dal/ bas., t ^ Ngtd vadara betwwh tie aluiaOon u d awned l h c m . harw c eMs a u y 0.Hde ooe z or HaM-m the from of ram to •Bebros Rats = To, we m 45D27S for my purr be m first eY d yaw binp peded VWN == alfle. h year ==! h4 " Ch radnik 4. A sa ment of Rate, Overbill and Reamed P.Ymsud Far. ? name oral tlr ddbr mount of the suspected mor, a deeedprlat of the armor a daily Your ar»oumt VA be waaad no mom that two d tle bra ym baaeve thems Is and an stgi ratle4 ? Il.. rash load hem tilt occur dNq try bOh fi period. under, the ` an error or IF yin nood mat a dsaedpmlon of ihil putduss) t Iw ton lane of your meaner assonant, wo reserve the mldd m wdw a not to area cry Wkr tau prior rdfeedn to ht is anew tie err or aim Ber Ad l h d de Item you aw uwm abort Ym do nat law m pay cry enehn h robes we en Ynwedaadtp k. but you am add 06id m pay Oho peen d ycir fair But M rot * dry du raw for each mA we v V our p v yaue at ¦ later tkoe. la grrbn. v Vnwedpem your question, war event t the l ti ll ei of each we add up 6.711newVhr Yes Aaeaud. If. eembasip Iw appsen m the from of this rummers, yin haw 30 ngmwt or ta u any ac on to co ec eeport you r mount you oPtrtlat t n days - the dine this statement wes reared m you to h add tq the awid ppaeyyfrNqp dis era or b Nw such fee erdied to yin ou ma ter edod - i d % &A t,t Speds Rue For Credt Gd Nwdwr W pedodc y balance y e , y y H ym e r trout sxou V xntkm e is use Your accoud without having to pay One If you love a problem with dw ghrdty of property or beQmirnp rnaeciaha nionbsnlip fa. To cared your aeeaav, you ado inertly ce by eaBrnp cur Qromer Retailers Deprmeas witlh a axed[ and aid you ssrNces clot ;:r haw abd h aIth to ceena the pmbMn with tie rho ptoNaa ow rslna• In 11 fsxAdna the .aid =14 rier is die end of fie thim day priori mordrat, yin may farm One ftht not m pry do ran fining y tree f la d he naa red t am rfa -ted . p 8. H Yau Close Your, Mama. Ya an mgwr Is dose oee. m es m t or sarv ou ana.d Protection oily wheh de Pudhwa pIp wp awm stn r wa try bsnm fd th H yaw aexhem by camp eo Qrtaear Ndatlar mot destroy yaw me cored and a 160.00 ad dr pachase row wa hair rat a n Y i dd Of w o n or r f 0 yin p e ant la 10l err c ss Omer b NinO. axaad aear checks, esnwl N pedin p a na. e w 0 wi your ma within 1 es o operate to awrdirt, or H we m a you the teed new pacts rat erd cease trine your seripmwn if u, you we a or rho a erncd m p a etvkw N pureruew a-dpsrmmd fade pl of -ammo a locwforh oT purduw.l savored rspnd lralahem. We miffs of a . du arye ril. your Ardlosization to reop yaw rexipt of d d Maw Pb metsapoehdaw. m sip all -bar d tie tidy h amber to law yaw tar w earn v not be be ole baud. AdManally, yaw aao uvr ay an n mounts uffl Wit noot yin pay arhheUem you oar us kndnrdna any trrarfhvr you hew e utleekad, ==r t Doer nor apply b codranar n---V card aeeoemn lace by to in de bn q , moored due few, ow llailt fee advnm few and my Odra few seared to your 'a.. nor Wry b barrow arm -.* end a tr h may be a amount of w accord. Ym am ralporlel6la 1a those amohnis vdeder appear n your account at the tMe yyaou npurm to they a aae harht to h h d i fir One aupporo ktonrnatl0fn privacy peotaden: w our Capital h weaRa at www. x r t. h Wte-,U ey an one a p ll axon or t ault In Yaw muter to dose the accoiac Tnis ma Fn t s a federally ?e? ry service mark of Caplet One e lo b 9 a fy the doges !ppwdeq n yawahxou j tit-n--m- ..t C apwa Ons Rim lal 02003 Gdmr one AN rights roesrved 1LOLMK Important Notice. Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be recaved on a business day by 3:00 p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. I i Capital oW, Account S First 3 months half-price 4 !97 $9.95/mo. thereafter' SIGN UP TODAYI 1-877-778-1207 Mention Offer Code: ONYX Or visit www.peoplepc.com/go/onyx Previous Balance $5,041.02 Payments, Credits and Adjustments $200.00 Transactions $58.00 Finance Charges $63.06 New Balance $4,962.08 Minimum Amount Due $211.00 Payment Due Date October 23, 2003 Total Credit Line $5,000 Total Available Credit $37.92 Credit Line for Cash $1,000 Available Credit for Cash $37.92 Atyourservice To call Cussomer ReWiow w torgm a loot or aadm card: 1-800-903-3637 For fr. ooliaeaataunt sarioeand special awwaa 906% lot oa toc wwascopitalonewm Send po rr[mb tx Send ift*"ea tae Atm: Reroitsna PmftWmg CapinlOne Servim Cq"On&Benien P.O. Ba:85147 P.O. Bas 85o15 Richmond, VA23276 Richmond, VA 231ffi-5015 003 peoplepc® online U A better way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerTM E/ Spam Controls Smart Dialer Phisher Security Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 Payments, Credits and Adjustments AUG 24 - SEP 23, 2003 Page 1 of 1 1 o6 SEP ELECTRONIC PAYMENT $200.00- Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made your payment, please accept our thanks. Transactions 2 2S AUG OVERLIMIT FEE $29.00 3 23 SEP PAST DUE FEE 29.00 You were assessed a past due fee of $29.00 on 09/23/2003 because your minimum payment was not received by the due date of 09/23/2003. To avoid this fee in the fuaaq we recommend that you allow at least 7 business days for your payment to reach Capital One. Important Account Information Did You Know? Capital One offers, more than fist credit card products. With more that 45 mlhon acwua% Capital One provides valuable financial solutions - including auto loans, personal loans, CDs, money =* A accounts and more - to one out of every three homes in the U.S. Finanoe Charges r Platre.,"mmerrde for iimportma ii a a t n fornro B.L_r ? ? l ?m ?r e C t m N T?'-- +ak APR l.t]A!(tr a PURCHASES $4,983.70 .04092% 14.90% 56106 CASH S.00 .04082% 14.90% S.00 ANNUAL PERCENTAGE RATE applied this period 14.90% T PLEASE RETURN PORTION BELOW WITH PAYMENT. T Capps GW _ __ ____o.o?oao? o s ?za oszus ?,z ? 4???A?ez oaeaa a aye 3 New Balance $4.962.08 Minimum Amount Due $211.00 Payment Due Date October 23, 2003 Total enclosed $ ? Account Number. 5178-0522-7842-6453 s- Aps t cw see. ZIP Home Thom Aloemats Pb.. #9026713561148551# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 924 WOODRIDGE DRIVE runs r w u m Richmond, VA 23276 C4 =.s ENOLA PA 17025-1545 t 1111111111111111111 IIIuJ ° • ?ut???su IIIuu t11111r1[nt Halt 1u1n11101nt IJI11.11 LnII P/mistmi/r,ynrvaaouatawmbzrorryaurdxrkarmonryonfrrmrrdepa}•ab/cloCapitalOrtsBankandmai/inlbrrnr/ardrnvdopu F peoplepco online u A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: ONYX Or visit www.peoplepc.com/golonyx PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. AM rights reserved. By responding to this offer, you may be communicating Information about yourself to the company that provides Ids product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll free at 1-877.778-1207. Serv ce not ova table In all areas. Access fees, taxes, and other tees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be charged at PeoplePC3 discretion. Continuous use subject to tirmul procedures. AN use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. Ali Rights Reserved. PeoplePC Online and Its logos are registered trademarks: of PeoplePC in the U.S and other countries. 0 2006 Capital One Services, Inc. Capita One is a federally registered service mark. AN rights reserved. arms charge. t hm . mWmun space period or ita es charge an new, purchase, new 11??rety ape" p wodwa s and new odor Your pr h n poanlNewN Balsncew m a cmed[ed W war Me mnemam e area trarrecam set you ai not bairns: b. Atervinii Flms Clrg. Trans 0 891 I Me dF4 of the uwww*m uraaetn Is woc at m Yaw twit ealatdar day' of at Culture if rid not pay tw 'New Bob In full, *am@ chm your qid balance umN 1M tan T"s morn tort you amy sly a you pay the antre Now Balrhee your statement by tin n" am not do so for to prodaa men* are adChd m tta a aepr tC. kainiMe Farrar far a td Tomparrlr 6obulioe ill FYrw dory rMt top endrott o d{son a any or Y arrow c i. -= BW --- fled Now a a. Finance ohs _ Y rlnlamd by rsltlpl brims of each sopoere of y" aeca advance, pudree, special trarrhr, a by der corre= dolly padedo rat pmNeWy to you At do sm the billing period, we apply to gment. of Then yet at tr account to, that, se at the trs fawns of ter?ddv cNaJadar t rota kam each segment to at Science chome for To d mforir for w each of span axarm, se bdarw sacim eapnere rd W carryr and ode iharca do- d../:" nca tar tut aepsae. We M Payments or erode paatad r of tut to the snprrm. This doe us do sap for each aeprre of your account. New New Balance shot an yam pmfaa If your raw balance was tam or a ere transaction Wide pen to spar purlu : drily bell. by 8 o O g0 hi r rd rrunnDeeprec 1) 3. NpprY Per e a. The tam s 'APR' a dy, 0. "the tl m thh wa onI ratsa en rnayr, of a two d a mYaman C. n tlr a ;F6 If the w :adal OJ yo alrM wlbtnel Met and ten }Nrmua rda be wtd k PAM m reserve to the wig s Tor any dean wN W r each one r4 a. Assasemai the dourly your aeooc m Y pcash law udur) tams M yr sch deV d?prkq ?wwitlru . to for rdi }yeoua n a 4 6.7Pahawlhy e o1 each -0 we add tq appears n J? add tip the acaWdN ppe* oul pednde N yea eMhe no t A r1r afirerry-amd e. N yea Clre :raps rwM bslsnce for do seem each day, add any new as rreeceive« and woaaa pswnaNa ss n tlr tmn?or rih eocn dr ao[ro o," vve also as pays h tlr belarhee a /M dsiy 6aWtee of eM tie ?tWWyy bahrher for sash rd Ankh by tr total wbd Tlls dew r Me e ae nd nt to be account 7. Ut?fa Yi udh trurawb e pn . 6. Ndbe PAM' may •Pp••r as . w? t? f para . . U50111, C Ices"cem of i a Crewed r a r card or aoCwa cane[ M any incr. yanairq cheek cenvarsan. Winn You drok to maMM a amts m ham yam balk aoeaae a m M or process me ppaaves r a trek trarincton Who Pas etc use hTomtatiat fnm your dnrJt to nnab an slsCtrordc %TES knd transfer, Mole may be widdrewn from your bark Need account as son r the sone day we rsCNw y01f LL you ihstcitl hnttafse. receloa Your', - bask near rc 5I11JN0 RIGHTS SUMMARY On Case Of Erow Of Quwdwr About Your Bill = = your bill Is wrq, a F you read more mt- s pants shoot se scon as possible at drmaddmr for mrM hnsiftl e? m the fiord of addaiyysssnte nat. We sees oor plus ikd hill o which as law than after we sont this sea o?prhhCb,appeared. Youertan m call our Clrtana Rdstisns taermba, lmK debe as ttiN not Criss on, the Irat day of Yam thirq part ppeeoan yam rpw. h your return, river tae the rell.Y&C Wenatlon: your ores and aoco nt maelme do dollar f lala, Ouarpdt Md RWanad P•Ynat Far. ahant of the suspected error, a deaalpdal of the error vi be assessed r mere test two tit the Ins and an wiplsnatla, If posWb, of"wAy you bencve there Y n ocar Aft cry bike period Uhdsr to n error, or N you need mews hfe,m-- s dralpUat of curamar tits mea ve to ddTt to tlf d f the turn you am users abort You do not row to pay any h W N h l d k b r user my no c1 n to ees =& Nothing; right m ms a atmaar vea rneuK t we am ur , ur you r m any t ? _ M a t;:piof F F : M ?, e p = a) investipso your a % s. If a mnsmGeNp fee - del "'sine a rdu any eedm to ri.%" the re{ren you r e font of tier statement, you have 30 arrnokee you gnrdon, dam die statement was maw to you to to Ins or to have such fie emdud to you t,t Spadol Rule sea Crack C rd R heave you aooasp. Oahe this period, you may r your account ttHhae Irtlnp to pay the sew To eanM your account, you muss " GIN CUOM •^trr If you haw a problas with the qa lky of property, a -'o-that yea wph ¦ trs4 card and you - ? In ?ce sew prior m the new of the tdnyry to prem. have tried h het m oNrspt to pup with the morthent, dry ae may yphra'vp'Ml°yaO 60 not MvIIomm ?Ou n wi tea 0 amount Vast Aaasaa. You can taped to der by oalaha our Clatror Rdetlpe . sew ern tr usrrt d pies s men then P 150.00 ansly td tlr purchase was made in your hens sots or opt must dntaey, your pools caWA and within 100 mass of yaw mdBty adursr. Of we own or N scan access drab, card a0 prruhodtad bNr4. and cease u?oqu aooase. If you dl not coed Pa s operate the atwoly e, or if vw nulled you de advertisement for tr platy a osrvkr as err am Conrad myarLr M roar a locd(ort oy padrw.l We o Not charge your aspen to aspen your ar Socotra AdCWaua ar aemu t will net Be dosed Ple•r nementber to stet all wnespormlaw. y .1 . y, sp urea you pry all Assam yaw seas r bxk drew any u-sodnrr you have aWrtltomd,, Snace charges, pad . t Doesnot apply b esmauemer non-Credit eartl aeromcs e o due face, endows fees, remerod payment fees, each advance for and any Carr fees assessed to your h t Does not apply to b sboss noc orocIt cad aeeamts n pence. sue to -arty n a ray bur, tare may r a socaar. You an ruparible for ter amass whether GqW On stgporu Information priory promotion; Pas our sight wdanca between this calc latim and the moue of =A=m * a yea aabare at the tilNel mquest to Corn. at finance dha aeaWy aarred opbue a they am tarred sulosequent to wow.eaptrakrr b. If to ode Z a N appeem n tie front o! tNe su[amem spar repeat to due to aeeare. This my roads in C+Pital On h a f rds y raplsr;9 service murk of Capita •2003 teed m "Da1Mw Rate Appam To, rive nmltlply ttr durya appearirhp a spar aocara .tea You hew On Fhsndd Corpora[bn Al lpKs reserved a- drily balance of each atamtra by ear mane ly resesdad Mee wvarhi is lea dead or Ma mmamin of C+Piul oft OILOLBAK 45261S Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please slow at least fire (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holdays. Please do not use staples, paper clips, etc. when preparing your payment. The Deal You've Been Waiting For... Anommook? MOTOROLA FREE?WLR V3 > FREE* Wireless Camera Phone > BONUS Free Bluetooth® Headset ($60 Va?e?'NA L BALL > FREE Shipping & Handling Limited Time Oyer X c i ngi, I a r W I RE F LY for Capital One- raisingthebarrat9l- The Mrsless superstaa Cardholders A 17025-1545 _ C 003 Capitalow, Account S Previous Balance 54,962.08 Payment; Credits and Adjustments $1,963.00 Transactiona 5.00 Finance Charges $12.61 New Balance $41.69 Minimum Amount Due $15.00 Payment Due Date November 22, 2003 Total Credit Line $5,000 Total Available Credit $4,95831 Credit Line for Cash 51,000 Available Credit for Cash $1,000.00 PLATINUM MASTERCARD ACCOUNT 5178-0522-7842-6453 Payments, Credits and Adjustments SEP 24 - OCT 23, 2003 Page 1 of I 1 15 OCT PAYMENT RECEIVED -THANK YOU $4,963.00- As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps yrntr 2003 charges Please call 1-877-412-3311 before December 12, 2003, co reserve your copy. All order will be processed between January 15 and February29, 2004. Atyourservice To tad Comma Rdatioor or to report a loot or it" aid 1-800-903-3637 For foes oslat seotunt service and spedal automa offer, 1% ea toe wwrvapiukmmm Send ptgtemb tx Send inquuia tee Aim: Reminisce Pmcwing . CapitaOaeS<nim CapiulofSeriee< P.O. Boor 85147 P.O. Box 85015 RiehemendVA=6 Ram6r4 VA 2=-5015 Important Account Information Cast your Yots on capimlonebovoLcoat to help select the National Mascot of the Year from the 11 frnalis% and be acre to tune in to ABC college football, ESPN, and ESPN2 to see this year); mascot commerciald This yeark winnow will be announced daring the Capital One Bowl, which airs on ABC at 1..".m. ET on January lot FutanceCharges PAwerarcverferideforimporranl infwIsdian to AwAserrser P"& ?d geAQJA, ref, ?.I1rlKlsb v PURCIi4SES $3,479.77 .04082% 14.9096 54261 CASH a.00 .0408296 14.9096 $.00 ANNUAL PERCENTAGE RATE applied this period 14.9096 ? PLEASE RETURN PORTION BELOW WITH PAYMENT. Capitalcw 000000 .0._ 5-1- 76453_ _?o?a?vsa asasee? New Balance $11.69 Prrarepriatsr.?;yd?xu? .-naJ<ba<?hbarrruyLl orN?e..k Minimum Amount Due $15.00 Skeet Apt I Payment Due Date November 22, 2003 aer svm zrn T t l l d S o a enc ose Hon<PMae A9u eu<Phote Aecounr. Number. 5178-0522-7842-6453 Fmd Adders #9029713561148558# MAIL ID NUMBER Capital One Bank JOANNA L BALL P.O. Box 85147 924 WOODRIDGE DRIVE Richmond, VA 23276 ENOLA PA 17025-1545 m IIIIthalI loll If IIn 11list fill 111111111111111II'lll'?IIIIIttt' ° ?ut???ut???uu 11111111111111111111111 111111 to lilt IuItIt III Please unteyowz"e t aumbn mymrr c5erk or may ordermadepa7aHeto Capital OwBaak and mail is the rn Iwed eavdope. FREE*RAZR V3 aserrekaa ane2-rwaanke We&. d Motorola RAZR V3 phone includes: >Digital Zoom Camera >Bluetooth Capability >Built-in Speakerphone >Ultra-Thin Compact Design Cingular Wireless Plans include: > Unlimited Mobile to Mobile >FREE Nationwide Long Distance >No Roaming Charges >Rollover Unused Anytime Minutes (A feature specific only to Cingular Wireless!) Order Today! Call 1-800-973-0691 Or Visit www.wirefly.com/capitalone a X cingular WIREFLY raising the bar-dill' The Wireless supaeture 'Phone *Be after malHb rebels. This offer is WWI by bRaonic Inc.. an aWnarvrd dealer fer Cinpuhr Wireiest OOer suNed to credit apprmal or deposl, and is awlable In wsboras ectlratlrg a new Ire of service on a hw year contact with Cpgslryan eas. Nd all US marked are served by ChVelar Wishes, you ors nat h a Wades area you Will mesh ado gal arty ham amthr rfatlor wWess Otlrrnshidam eeppppyyar fiA olsh br deldh OHr Expires Nmwertibr 30, 2005.Oita may vatyc Qngubr, tlricon, fHbvr and fbmiMTalit am cepbleed tadetarhs of CkWar ftdsei, LL C. Raising The Br and to ra arvim manes of ngair IWrebss. LLC. Cigulr W nbw and the Citgmlar Wireless logo are Sediments or cells red tademrln of CMgular Windess LLC. O 2005 CkwW Wolves, I.I.C. Al nand reserved. InPhonic', Clrguhr' and V&W M responsible for this offer, and we not allated with Capitol Orb. Capital One does not provide, andaa rp ranee, and Is not affiliated wile, any pmdret or service shown hem. Any trademarks mentioned hereln are scaly owned by the respeclirs wlty.Al ftW reserved. By rwpondrg to his offer, you may be communicating Infamidon Oce about yorael to she company Beat favAdes tics product - for eumple, thin you are a O 2005=1 One Saviees, inc. Capital One Is a tederaly registered service mark. AN rights reserved. aaa? a? saeaoh? 1 lbw To Avoid A nnnoo 01-010. f a. Grow Par" Yw Ml have a mkdmnan gram period of 25 drys W11110111 fNUM cal m new Arch-, now rave To obrah dal average daily balance for h mvond by t i wo take the Wrree of oam9h o" s each day add an now aocar if k has already been closed. For aonplo, If you rjdwkW a Pxcho from a msmfiam and rn l d m i ?? Won on varfem, nsw epeutl pradnaase and anew otlor Il you nay your tonal Kw:elan'' h , y o each nd satmct any pewna?u Oloair cod or pqo tota " o transact on loo air momhas after yaw acorn[ has been cord, year aoco ae wN be mgraod. o , mportant f no0m fat lhaY+? brow, . a sppwm on the franc of di Kabment near m'BrrM Fes MAppp?Mdd To: we ap the somas of to eMtpe WIN be added to yar amwr, d s arq In done for It to W mooned by Yes ns>a statemM so- shy a :i fiance dome itkdad h go bebop an you will be toapontl" for paymar. It time Is a mamoaadp be for yaw mast tom M wl mnd cbitg Thom N ro dam. rM special .Them I. In "gram n?drmob nca adavww an traw d M d ? ?W of each eepnar.I This Om us the delay bakrhm or each Wa add ri the dally balance for eacrn as? , rao Voted rtged, m d he army by law, t?N the amwd biethm Ise lest h M p defined above raa? y c m M you o not pay the toW Now Dalenhce: b. AawWp Ffirse Gha po. Transaabn ; which am nr fmr h bMq mentor of dM and di W do tar My In dw ??qq Paled Thb gives m to od% My Wlrw o emonas . 7. coma yes A.oaahLYar mod «.cw sn cam be u " In, connection with any haanet ganMlnp tl -` 17 ooch to does paled on award finance date th both h dam of tom transaction or 2) from she dam . 3. Annual! ayo Notes APRI. Th ' ' vanmmow ?c arna. B. NtM Abort ot-Ohnsil- Ch -it Convembm you om? e I:wmecden b pmmseaW so yew Aoooot ) ftan to stage e team tam e. Anal Perpmaga Fate may appear as AMr on the trans of *b statement. si ma, ad-Im el • duck as w p to um Momatlmn nom y doik to m a on d k inn sal ndot day of vibe bM hp psri AddurWy, N__yyaout old not shy the "slew Balrsoe' fiem the pmNao b. 11 to code P Note), L Warta I)BM, C (arttfma of DepWd or B Olorkmrd Pfin) appoom on the hou of ine a o sbcvaie iad vonoW ken lw brat secant or to mrq posted In ltd, lnharto Wtcw tzrtiao to aasmo to War v id bW c M t el , this stetmnmerrc trod ID h mmlN do p psywt r a dwek transaction, When veil LISP anclit an m mob ebo ? al n m t o rp d balance b paid In 11, Tao memo the you may aN ova chance cho wen If rase and wrreopa?q PmACDfrAOE RATI$ ma - - d I B wh m bw* Mod Unmoor, y y be tMAd'swa Iran War Whit ee? yes pay tom eraln clew Balance Indicated on 1M fiord of War r a[anra by On nine summwd losing data, IPA did y . a may rhasw r dersaa" Wad Y an to aramd hdow, r bush in 7M WM Saror b#=4 plan the maryn pwkaaly disclosed to you. aaout as soon as the erm and yes tW nr too .M reseal. War 'Nun dock Welt Iran MW- alvhebl irdatian not do so for the P Mgmemm Of Awwd chann ===, VOW c t abNvo moodidiae ? l 4 pgarit - . BIWN3 Po(YRS SUMMARY r aeon PMod that iri g 6? In via morn Jrury Aqt, JW Ocbb"r. (h Cw Of Fnohr Or 0matlaa Mat Yotr &q w d r ge E G 4 \71 0 E o l ? W 0.50 v4 the W *rr NC lmposa if W It to code 0 or a -mo. LIBURR I- )flmo. uBO to f Mw d om f hall he or It Wd mw = o r- 4 a c he m a fe w a t tl rh p es pp y r pedh stab) bloc t. ft0 (i0 tw vJd w .* thrt om ytm m y r bo statement nod dow p? a vnneacd an W , w dm t m a seWnm sho scan na possible ado a ms for e? , emoted iron so $0.60 rskleatm a ml it* d}bmw Will be bled to h padwa se?mnt r acWe m 'rd Tarpomry Radnlfen b Flrro" Grq". We rerrvs the and ANiAgLp AOE RATF3 nnW wry may irrers or chew bard m h Kind fidse, as fraud In TA. Win S*W -t a nd pit* h pm?m?y d the ret c d T rc W 4dAr do wn d own the no haw M di ava " W" mat Imwr nom you ro later hn d0 6davoya esker vr" eat you h dint hl m widdh dal ortor a problrn appoend. Yeu con -a ede b not arms any or sit drown" charges br any rWm w bp a ow m Mr thapr c VA be vs- on air *a day - yrr slip period ml our Customer R*dar camber, but ddrp r WM not =y does, In, War blbr, dM tr do rdlowip aa? reaaa? 2. A vaaW j. lWw fYri-l?d Nrrr Prdwr? a. Rn ore dropo is adndamd 6y nsaiptyyp dal deny bslanm of each mepnwd of War account N.Q.?? main advanco, p chose, special transfer, and mpedah p; d 1. Arrarrn If Ld4 OvramR and Reeunmd P Ycur aomrd wl W rmossed no mom Me r of udr low label Wa dirt acv 4u*v any roam at ysr ameaen MINN n w der tW m n War harm and aeown menber, do doIIW ? «do saw. a deacmptiar of the rr a' ? . of Wray Wont benene dam h an rear, r If you mom Yramaada4 s dsacdption oy do I M Y d M w? , y Ar Pby to t?b At dha e 10 of that ea hd dip W of walwW? to "sew t{? ry far waOar rrd/Cedr1 m walMq ov riphi is aver the ear r d n wo s es o alt aw to pay any amount fi ttfJs rr M awa?dche ? i m h NNp omAod. w" apply Mr old f "ad it p-d-ft to - ro er at a utar tones iee m e ppona of our it eM b 4rrtan?tta Pay ahe aapnat o Yar aemaat m I baance oa rain rghwt. Than K h eel of the Period wo add re S. Yav AeseumL 11 a memWrWp fee a sa v f W t Y mpgt V041 to -W medm m DDAM der -w om?a , p 11W eeecr K urn dalatlar to arrive at d" Yow pe >> dr each edd ce th {p m m at o o es statement, you low 30 dogs 1mm h time di Ntsnem was maMd m yr m w k arrmohamt . C p e w p moulis 1m trmt to save K tom nosh Palode mw pmt ho the fr or to have such it salted to you I} War sand W ar sorer. Owing this paaW, yr ma y i,t Spsdr Idle nor txelt am Purchases yv r frrreh ran J War ?i irb°r >V balance for marl an fe011mrr d aria Any MW earaetlaq a rte/ mood lrorw Wr nd k Y h in " dip teas To coaccount Wilms ned yes mart d1° y" a0bake't, notify W by 0" 010 Omaha Relations Department ' F you how a potNan wkh the gmdty of peoporty or d With a credit cord and you Ww WMr ?falAm h Om m r t is peNOm 4W a b, fer dirt amprnt. W* then wbvact a i wymrus r rob d f t d s and pa War New Odaw In 111 (eaAgng the matibaenp tW pdr to t. and of tW W hydry )rtlod crnr t e pobbm with the not W ? W y Ww i pas e an o hat ay ht an allocated t o tom wpnrt. This give tr the rpsmts deny bola ce too each w0rart at year ecosos Hovvarer If dd th 8. N You Clew Yar A"o" You can rogmrd b dose War asset by easing W quwmtsWlnlarle r or iavbw, Ya M aN pry poly w?) ? ptm mom dan 050 00 and mfr phachra wr mrnado I I . , you o e lbw M4nce damn on your pevisa statement In i? You most drdmy your radt cord(s) and dwq, easel an pruahabad hhp 2 A . n stow whhh 100 mNa K yaw Me** adioayour f oornn or Ilt?wbalanc wr zero or a auk "mad), raw post or special to idd urcha n p A t y , and saw myn6d)1Wmgar seaman.N you we d rot om=. r the omnfK.proplferetyrr dhapueWse a f '? se satin p w am t dded in o W lrmr. We mlalats h evarpe dal balance by addp r h daily bdarcu mgnher and dtp h Ken b air member f nedpcots ch@M*yav sd t rocpm you sagas. Additionally, yov smotot wN not b domed d nPm o ai M ansut of lomt M om m oT puchsw.) pia cwhwhaor b dpn NN conaapotdsm>Le. g y o tW days h h arms Naito eyda. To calculate your total in+nrme dcohad ok and awntM ?y two W tW dela one ft; } an You M M masons yr owes m "AM any transaction you ham auhdzed manse charges , qst dal fees aved" fen, mturhad peymrs fear, uoh , t Doss sr empty b cacaanr aaa-nedR sad aaovcfs O y od Dw b on dN?beahe s tWt" b* ye p Yw an and any otw Ime sassed to yov ars. re f a t aramntm wWdw t Does nr apply ro Mdxm nee .W cad -..,do a .1 wtance banwe di eakt4Non and of = yna,m, p" amWy awaeed a 11 h aced Z or N a d o d e-ur nt d they appear on War seosom" you npmrm to ath t dose the acmlm r they an Inc rted amWma,rm to apish Om appab Information Privacy P dam w or wsodte K W W W,wpfWor can. hi N ppsaa an al last of the statement mom b "BNWhm Rob Appded Te: sea rmKlply h your ropmt to des the scomr& This may malt in dnerpr rip m yes aocant aver you W w apitd Oro b a t sect r rsyetasd W Aft One RnsMal Capomtb i A71 dyro rseawd - 20of capital 03 Capita one OILOIBAK 4 85545 Important Notice; Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. CERTIFICATE OF SERVICE I, Jessica R. Porter, Paralegal, hereby certify that on the date set forth below I served a true and correct copy of the foregoing Defendant's Preliminary Objections to Plaintiff's Amended Complaint upon the person(s) stated below, via U.S. First Class Mail, addressed as follows: Kimberly F. Scian, Esquire Apothaker & Associates, P.C. 520 Fellowship Road, C306 Mount Laurel, NJ 08054 Attorney for Plaintiff Date: September 3, 2009 -V)' 0'4Jessica R. Porter, Paralegal FILED- IFFICE OF THE PR07IONOTAPY 2009 SEP -8 PM 2: 24 PEA N Yf.MNI Our file No.: 177319 APOTHAKER & ASSOCIATES, P.C. 2qY: "Jordan W. Felzer, Esquire Attorney I.D.# 38670 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff CAPITAL ONE BANK (USA), N.A. COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, vs. JOANNA L BALL NO. 09-4339 Defendant. PRAECIPE TO SETTLE, DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark this matter as Settled, Discontinued and Ended with prejudice. APOTHAKER & ASSOCIATES, P.C. Attorneys for Plaintiff A Law Firm Engaged in Debt Collection By: Dated: 10/15/2009 0 F A WT e+?i?7wr 2N9 QCT 27 AM 9:07 Gt1 wr° ?u 0OUNTY PENNSYLVANA