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09-6776
i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff No : vs. COMPLAINT IN CIVIL ACTION MOLLY ROBERTSON AKA MOLLY L ROBERTSON Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07546865 C N Pit KMJ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. Civil Action No MOLLY ROBERTSON AKA MOLLY L ROBERTSON Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK (USA),NA is a corporation with offices at 15000 CAPITAL ONE DRIVE RICHMOND , VA 23238 2. Defendant is adult individual(s) residing at the address listed below: MOLLY ROBERTSON 2101 MAYFRED LN CAMP HILL, PA 17011 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX2835 . 4. Defendant made use of said credit card and has a current balance due of $2017.42 , as of September 19, 2009 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff . 6. Plaintiff is entitled to the addition of interest at the rate of 18.900% per annum on the unpaid balance from September 19, 2009 . A copy of Plaintiff's Statement is attached hereto, marked as Exhibit 111" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant , MOLLY ROBERTSON , individually , in the amount of $2017.42 with continuing interest thereon at the rate of 18.900% per annum from September 19, 2009 plus costs. JameVr, rmioroat,42b24 WELTINBERG & REIS CO., L.P.A. 436 Avenue, Suite 1400 PittPA 15219 (412955 FAX: 8-7130 0754 N Pit KMJ This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. EXHIBIT Precious Balance Payments & Credits FINANCE CFIARGE Trarmactiars New Balance Minimum Payment $1,596.03 - $0.00 + $26.11 + $78.00 = $1,700.14 $500.00 Oct. 18, 2008 - Nov. 17, 2008 Page 1 of 1 ei% PLEASE PAY Ai LFAsr Tm A *ww Visa Platinum Account 4121.747044114-4835 Your Account Information REWARDS TOTAL CREDIT IJNE $2,000.00 TOTAL AVAILABLE CREDIT $299.86 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $299.86 Due Date Dec. 12, 2008 YeUre bet" by sa paynwnts Irwe charge off yox ao=1 die to late or mw--d payments, firm charges will confine to ao mue Ad now to Prevent this from happening Please pay the rtnrnrun payment annum on you statement or gyve us a cal at 1 BOO 955 660D Were here to h* Take control of you aedt with Capital One -ImportaM Notre"` Under the terns we pvmu* disclosed to you, your account s now elgiole for an increase in Annual PercenleW Rates (APRs) effect we, immediately Hmvwer, Capital One has elected rot to raise your APRs at this tree Please be adAmed that if you fail m keep your accent in good staniig, Capital One reserves the right to rase your APRs in the /line I'ma ;e Charges (Please see reverse for important nlomatrn) Rewards Summary Balance rate Periodic Corresponding FMANCE Previous avaitrble glance 473 0 applied to rate APR CHARGE Earned the pew 618.62 0.05203% P 18.99% 52511 Purcteses $1 (iflacts be-ha s Posted dwwg to b" *b) , Cash $DOD 0.05751%P 2099% 5000 AvailableBalarrce 473 ANNUAL PERCENTAGE RATE appaed tlhis period: 111.99°/0 c At Your Service -Coto waw.coolI&M toroaaWyoraxoat, or Cid 1ZM55.707D b report a bst or sin cad or Week to CLsbma ReN?xc 0 Pay OnBne at mw zwbbwxm or malW Pattrant b, Cepfal Ore Bak (USA), NA • P 0 Box T1083' Orattle, NC 28272.1083 Send Inquiries to: Capital Onr- PD Box 30285- Sol L" CIy, UT 8413DM ® Manage your Rewards onine ty venting a Cet tAOD?.30D1 ® Have a question about a cargo on you statement? Please refer to tie Boling Rights Summary on the bead( of your statement or visit canitalone oomIck3putes Payments Credits & Ac lustments Transactions 1 11 NOV PAST DUE FEE $39.00 2 17 NOV CAPITAL ONE MEMBER FEE $39 DO You were assessed a past de fee because you mrrvmLm pWrnerf was not received by the dua data To mood this fee in the /afire, we recommend that you aow at least 7 business days for your mrrmum payment to reach Capital One PLEASE RETURN PORTION BELOW WM-1 PAYMENT OR LAG ON TO WMN.CA.PITALONE.COM TO MAKE YOUR PAYMENT ONLINE 7546865 1 4121747044642835 17 1700140050000500009 ---- ?' CapftaSQrl? Account Number 4121-7470-4464-2835 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- ifs fast, easy and secure. DeC. 12, 2008 $1,700.14 $500.00 10 Pay oalme anytime-no more checks, stamps or clutter PLEASE PAY AT LEAST THIS AMOUNT Q Moving? Change your address online or on the back 8 Help save the planet Go paperless #9032469979524816# © sign up at www capdalone corn MOLLY ROBERTSON 2101 RAYFRED LN Capital One Bank (USA), N.A. CARP HILL, PA 17011-5433 P.O. BOX 71063 Charlotte, NC 26272-1063 I'Illllll?lll'Ilrl??l?l"I?11'I??'1'1'.r?lllll?l?'?'??I??Ilrl?ln 11111 Pill 1 1111111.1 Please make checks payable to Capital One Bank (USA), NA and mail with this wupon in the endosed envelope. PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintiff, V. MOLLY ROBERTSON Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. Dated:G _ Ottis Coward A049 WELTMAN, WEINBERG & REIS CO., L.P.A. OF Tp f f ' ^h TARY 2009 0t"T 12 AM 10: 51 ClUt ra e ? ? 7s . so ?CL "If eOt Al z-ree 12,) 12"W" oZ317ls Sheriffs Office of Cumberlan (apt, ?7 ar r J R Thomas Kline Sheriff Q??ptn of ?uuGrrlt? ?tp?j o f-T G,?rl D Ronny R Anderson Chief Deputy 'r i Jody S Smith t'? - 1 ` L Civil Process Sergeant OFFICE ' HE s!,ERIFF Edward L Schorpp Solicitor Capital One Bank (U.S.A.) N.A. vs. Molly Robertson Case Number 2009-6776 SHERIFF'S RETURN OF SERVICE 10/14/2009 01:13 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on October 14, 2009 at 1313 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Molly Robertson, by making known unto herself personally, at 2101 Mayfred Lane Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $41.50 SO ANSWERS, October 15, 2009 R THOMAS KLINE, SHERIFF put eriff L IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA Plaintiff :No. 09-6776 CV Vs MOLLY ROBERTSON AKA MOLLY L. ROBERTSON Defendant ANSWER NOW COMES Molly Robertson and files this Answer and states the following in support thereof: 1. Admitted. 2. Admitted. 3. Admitted 4. Denied. Plaintiff has attached an exhibit dated November 2008 but alleges a balance as of September 2009. Defendant disputes the amount alleged and therefore proof is demanded at trial. 5. Admitted in part and Denied in part. Admitted that Defendant has failed to make payments for a period of time, however Defendant made regular payments for a period of years and has only recently fallen behind as a result of financial distress to the business that provides the income for her family. It is Denied that Defendant has defaulted on her obligation such that the entire balance should be due and owing. 6. Admitted. 7. Denied. Defendant has not willfully failed to pay nor has she refused to pay. The business which supplies income to the family is in financial distress. Defendant is unable at this time to pay her monthly payments of $500 which has increased due to Plaintiff's increase of interest and addition of annual fees. Defendant has spoken with the company many times explaining her situation and trying to make arrangement to pay when able. Defendant has used and paid on this card in a timely manner for years and has only been unable to make payments since the economy fell in 2008. WHEREFORE, Defendant respectfully requests this Honorable Court to Dismiss the Complaint and allow her to continue to negotiate a payment schedule with the Plaintiff. Respectfully submitted, Molly Rabe s 2101 Mayfred Ln Camp Hill, PA 17011 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that the facts set forth in the foregoing Answer is true and correct to the best of her knowledge, information and belief. ? b? Dated: 10/29/09 '? ''?_ Molly Robertson CERTIFICATE OF SERVICE I, Molly Robertson, do hereby certify that on the date set forth below, I served the foregoing Answer on the persons and in the manner indicated below. James C. Warmbrodt 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 By first class mail. it Date: October 30, 2009 -'t,° o Robe n ICE OC7 2009 OCT '30 A, -i 0' 59 cUk 1 `5 ,.. I !f f'i I.??t?'ra t F- ."' ,. -~L, t~-~,~,arrL~ 20{0 FE8 1 ~ Pt3 ~ ~ t 9 TN THE COURT OF COMMON PLEAS CUMBE~'l~ ~~tLN~'~~J~~INSYLVANIA CIVIL ACTION ~.hr~~~j~~ CAPITAL ONE BANK (USA) NA Plaintiff, v. NO.: 09-6776-CIVIL MOLLY ROBERTSON, Defendant. CERTIFICATE OF MAILING OF PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Submitted by: Lyndsay Rowland, Esquire PA I.D. #205520 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 CERTIFICATE OF SERVICE A true and correct copy of Plaintiff s First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the '~ day of '~~.~..~IP (`(l~-' 20~Q, upon the following: Molly Robertson 2101 Mayfred Lane Camp Hill, PA 17011 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) NA, Plaintiff, vs. MOLLY ROBERTSON AKA MOLLY L ROBERTSON, Defendant. Case No.: 09-6776-CIVIL TERM MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler,Esquire PA ID# 93598 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 C~ ~ ~:J C~ ~ '7 ----i ,;= ~,. _, ~,~ 3 i l T 1 -:7 T _ ~~ '~ 1 tt.,.i __ .. 1 ....__ ~ ~... ~~ _ -~~ N ~y ,~ '.? ~: ~ WWR#7546865 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) NA, Plaintiff, vs. Case No.: 09-6776-CIVIL TERM MOTION FOR SUMMARY JUDGMENT MOLLY ROBERTSON AKA MOLLY L ROBERTSON, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $2,017.42 with interest at the interest rate of 18.90% per annum from September 19, 2009, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around December 18, 2009, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she has made no payment on the credit card since May 7, 2008; that she applied for the credit card; that the statements attached to Plaintiffs Discovery WWR#7546865 Request correctly identify the payments, charges, and balances on the account; that she has not submitted any written disputes as to billing inaccuracies; and that $2,017.42 is a correct and accurate balance on the credit card account. 7. By way of her Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $2,017.42 with interest at the legal interest rate of 18.90% per annum from September 19, 2009, and costs. Respectfully Submitted: By: PA ID# 598 Weltman, erg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR#7546865 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff No: vs. MOLLY ROBERTSON AKA MOLLY L ROBERTSON COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07546865 C N Pit KMJ - ; _ __A _^_ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. Civil Action No MOLLY ROBERTSON AKA MOLLY L ROBERTSON Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK (USA),NA is a corporation with offices at 15000 CAPITAL ONE DRIVE RICHMOND VA 23238 . 2. Defendant is adult individual(s) residing at the address listed below: MOLLY ROBERTSON 2101 MAYFRED LN CAMP HILL, PA 17011 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX2835 . 4. Defendant made use of said credit card and has a current balance due of $2017.42 as of September 19, 2009 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 18.9000 per annum on the unpaid balance from September 19, 2009 A copy of Plaintiff's Statement is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant MOLLY ROBERTSON individually in the amount of $2017.42 with continuing interest thereon at the rate of 18.9000 per annum from September 19, 2009 plus costs. James C. rmbrodt,42524 WELTMAN, INBERG & REIS CO., L.P.A. 436 Sev n h Avenue, Suite 1400 Pittsb r PA 15219 (412) 3 -7955 FAX: 1 -338-7130 075468 5 C N Pit KMJ This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. EXHlB~C _____ FlNANCE Prtwious Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 51,596.03 - $0.00 + $26.11 + $78.00 ~_ $1,700.14 $500.00 Dec. 12, 2008 Oct. 18, 2008 -Nov. 17, 2008 Page 1 of 1 Pisa Platinum Atxrount 4121.74704461-?B35 CNoHassle Your AccountlnfoTrnation REWARDS TOTAL CREDIT UNE 52,000.00 TOTALAVAIIABLECREDIT 5299,86 CREDIT LINE FOR CASH 52,000.00 ~AVAIIABLE CREDIT FOR CASH b29B.06 Fnance Charges (Please see reverse f« rmpafara rnformatnr>) BaN~erale Pernd~c Carrespondrg FBLtNCE ~plred to rate APR CHARGE Purtisksa 57,618.61 0.06203'6 P 769390 52611 Cash 8000 0.06761% P 2093"w 59.00 ANNUAL PERCENTAGE RATE applied D1is period: 7&99!°4 ~ At Your Servtw • Ga b v.,wrsaan b mau~gaysr Axari, - «ta11~0096S707Dbrepotnlat«stdr,mdar~rtcWQrebmar Re6Trix ® Pay Online r<wmvcooi~6nox~yri«malprrpannaatr Capital Ore Bsic (USA), NA • P O Bar 71083.O1a'btb. NC 287!2.1083 Seed Irlcrylrks to: CapdM Orc• P 0 Bac 30285 • Sri l~ QH, to 841360796 nfATE PAY AT !FAST 7185 pA+alAYr Yovre fx-hn~ yy sa paymalts If we chap: off yaa aaxAatt de to rate a mtss°d p~7nmts, fi dmges wit oonlrge b axrw Ad now b prevent the tan ttsplsiwly Please pay 81a ru~rwnun faYmad annul! on your statenrnl «yrve us a call al 1 fx'b 9366503 We're irte b hslt Teke r»nVd of ynu~ aeda wRh Capdd (')ne ^Imaortant Nolae^ Urdu 87s terms we privotdy (inclosed to yau, your aCOY.1n7 G raw elgtk tx ai 5zrease m An:wa1 PerceNage Raks (APRs) effeclrve rnmedately However, Cap~l Ore has elected rqi to mt5e yox APRs at tlss one f'Isase be advised Ihal f you (ai m keep your axoura n g»d sfarlirg, CpAal Ore reserves the r0h1 to iaKe ycur APRs m D1e fuWre Rewards Summary Prevrxs avm'ki11s ba11r1.e 473 Farted Bus peui 0 (rel~rs lrarsaoxrsP led dsrg tlra 67n7 rych) Av~vlaMe BOhroe 473 Pia nllents, Credits & Adjustments Transadiorks 1 11 PIOJ PAST OlT FEE S~JAO 2 11 NOJ CAPITAL OnE h7Ek~ER FEE 59.00 Ya were assesse-J a past die fwberawe your mnwrAm paytrRVd was ml received try the due cijte To avod tha Fe° m the filWre, we n7cortmkM that you efbw at ~I 7 buretess Sys fa your mnmmum payment to r~dt C~ Om. /.' lAarrdye your RCwafdS OnIB)e bf VlSalm3 r «(At 1~D•22B300t ® Mave a qucstwn about a cturge on your statcrt5ertt? Please refer to the &i6rg RghR Summary or1 Ihel~lc dyorr atatemcnt a ulna PIFASE RETVRN r`ORTK)N BELDW Wm1 PAYMENT OR LOG ON TO WWVJ.CAPRALANF.COM TO MAKE YOUR PAYMEMTONUNE 1 4121747044642835 17 1700140050000500009 --•~y ~R~%lJ1I(' AccountNUmber..4721-7470~a64-2835 Lend a hand. Save the land. Due Date New ealarxe Minimum Payment Amount Cnclosed Manage your account online today- 7 14 $500 1 0 00 ~ it's fast, easy and secure. . DeC. 12, 2008 $ , 0 . O Pay online enyNmr-no more checks, stamps or dotter PLEASE PAYAT LFASI THIS AMOUNT ©Movmy7 Change your addrtss online or nn The back e HNp vvc the planet c:o paperles5 119032469979524816N O 9gn up at wwwcapdalone coon HOLLY ROBERTSON 2103 nAYFRED LN Capital One Benk (USA>. N•A. CAMP HILL, PA 1?011-5433 P.0• Box 71083 Charlotte, xc 26272-1Dr13 I'1111111{IllrI1.1{{I{t"I{II'I{{'I'1"'{Ililt{t{'{'{{I{{II'I{I" II{{{ ~Iriflr'1111{'I I')1{{Il In{{Itil"{{'I'{{{711 u{ ({t{{I{'{ll{ 7546865 Please make checks payable to Capital One Bank(USr>), NA and mail with this wupon in the errdosed ernelope. PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintiff, v. MOLLY ROBERTSON Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to snake this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best ofhis/her knowledge, information and belief Dated: O ~ `~ l Ottis Coward A049 WT'LTMAN, WETNBERG & RETS CO., L.P.A. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), NA Plaintiff V$ MOLLY ROBERTSON AKA MOLLY L. ROBERTSON Defendant thereof: CIVIL DIVISION :No. 09-6776 CV ANSWER N l~ ~ =;~ ~ --1 - ~ I 1j~.~' _L' ~ _4 t-~F_. ` ~, 7 ~ i - L`~ ~"' , ~ i'il t _ l~ t:,~ _ CJ7 ~~ A ...~ w ~ NOW COMES Molly Robertson and files this Answer and states the following in support 1. Admitted. 2. Admitted. 3. Admitted 4. Denied. Plaintiff has attached an exhibit dated November 2008 but alleges a balance as of September 2009. Defendant disputes the amount alleged and therefore proof is demanded at trial. 5. Admitted in part and Denied in part. Admitted that Defendant has failed to make payments for a period of time, however Defendant made regular payments for a period of years and has only recently fallen behind as a result of fmancial distress to the business that provides the income for her family. It is Denied that Defendant has defaulted on her obligation such that the entire balance should be due and owing. , - 6. Admitted. ~'`~` ~" _~ ~ ~ ~~ ~ .~ 7. Denied. Defendant has not willfully failed to pay nor has she refused to pay. The business which supplies income to the family is in financial distress. Defendant is unable at this time to pay her monthly payments of $500 which has increased due to Plaintiff's increase of interest and addition of annual fees. Defendant has spoken with the company many times explaining her situation and trying to make arrangement to pay when able. Defendant has used and paid on this card in a timely manner for yeazs and has only been unable to make payments since the economy fell in 2008. WHEREFORE, Defendant respectfully requests this Honorable Court to Dismiss the Complaint and allow her to continue to negotiate a payment schedule with the Plaintiff. Respectfully submitted, ~ . ~ ~ __ _ Molly Robertson y 2101 Mayfred Ln Camp Hill, PA 17011 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that the facts set forth in the foregoing Answer is true and correct to the best of her knowledge, information and belief. ., Dated: 10/29/09 ~ ~ ~, . ~ , ~-' . ~'---.. .. Molly Robertson CERTIFICATE OF SERVICE I, Molly Robertson, do hereby certify that on the date set forth below, I served the foregoing Answer on the persons and in the manner indicated below. James C. Warmbrodt 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 By first class mail. .., ~ .- - = ~i Date: October 30, 2009 ~~~ __ ,~ ~' 2 "' „~~,, _ ~~ Mo11y Robert n `~~ ' ~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CAPITAL ONE BANK (USA) NA, Plaintiff, v. MOLLY ROBERTSON Defendant. NO.: 09-6776-CIVTL TERM PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS ANI) REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days fi-oin the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set fo--th in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position tliat the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your. answers would be different if answered in any different capacity, such as partner, agent, corporate officer or di--ector C ..~_ or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a erson s means to state the full name and present or last known address and business address of such erson s and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each ep rson who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identi ", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identi each and every erson s participating in such an act; (3) identi all other erson s (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identi the erson s presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and docwnents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all docume~lts you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in Plaintiff s Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 2: The attached monthly statements, from November 17, 2007 through November 17, 2008, correctly identify the payments, charges, and balances on the account. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: The last payment on the account was made on May 7, 2008. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 4: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies. REQUEST FOR ADM>SSION NO. 5: $2,017.42 is a correct and accurate current balance of the credit card account in question. Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. l Lyndsay Rowland, Esquire PA I.D. #205520 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-79555 WWR: 7546865 500023 ~ (~ • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One® balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call i-877-476-7939• FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Oue Date $1,822.46 - $54.00 + $33.82 + $49.00 = $1,851.28 $55.00 Dec. 12, 2007 Oct. 18, 2007 -Nov. 17, 2007 Page 1 of 1 ruASL rwr nr u:rsr nus unatNr Visa Platinum Account 4121-7470-4484.2815 ~A10f/dSS~EJ Your Account Information ~• REWARDS- TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $148.72 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $148.72 Finance Charges (Please see reverse for important information) Balance rate Periodic Conesponding FINANCE applied to rate APR CHARGE Purchases $1,831.56 0.05956% P 21.74% 533.82 Cash $0.00 0.06504% P 23.74% 50.00 ANNUAL PERCENTAGE RATE applied this period: 21.74% Q At Your Service 1.800.9557070 To call Customer Relations or to report a lost a stden card: ® Send payments to: Cap8a1 One Bank ~ P.O. Box 70884 ~ Chadolte, NC 28272-0884 A Send inquiries to: Capital One ~ P.O. Box 30285 ~ Salt Lake CAy, UT 84730-0285 For more information on your Rewards: / Yrsit: www.capilabne.comlpolnlsrewards Call: 1-800-228-3001 Rewards Summary Previous available balance: 473 Earned !his pet iod: 0 (re0ec's transactions posted during 1Ns btllirg cycle) Available Balance: 473 Payments, Credits & Adlustments 1 12 NOV Cap 1 ElectronicPhonePml AuthDate 12-N OV $54.00- Transactions 2 12 NOV CAPITALPAY TRANSACTIONFEE 510.00 3 17 NOV CAPITAL ONE MEMBER FEE $39.00 Capital One Home Loans offers a variety of no hassle home loan products, including Tirst mongages, refinance and debt consolidation bans, as well as home equity loans and lines of aedit. Our team of experienced professionals understands that your situation is unique so your loan solution should be too. You'll have the one-0none attention of the same personal loan consultant from call to cbse. Vsil www.capifalonehomeloans.com for more information. Capital One is an Equal Housing Lender. ® Nave a question about a charge an your statement? Please refer to the Billing Rights Summary on the back of yourstalemenl or visit www.caoitalone.comldisoutes. 6056 506 1 07 17 071117 PAGE 1 of 2 O1DM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 4121747044642835 17 1851280054000055005 C~pltalO11e' what's in your wallet?' New Balance Minimum Payment Due Date $1,851.28 $55.00 Dec. 12, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ~ . Capital One Bank P.O. Box 70864 lrlrrlrrlllrlHlrllrrl Charlotte, NC 28272-0684 lulsllnlurlrllnrlnlrlllurlulrltrlulullnlulullnrll Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink, Home Phone Alternate Phone f-mail address @ f{90322699795248107i MAIL ID NUMBER MOLLY ROBERTSON 2101 MAYFRED LN CAMP HILL, PA 17011-5433 LrrlllrrrllLrrrrrllrrrllrlJtlLrLrllrlrlLlllrlrrrlLlrrll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, callus at i-877-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. How to Avow a Flnanca Charge. T e. Gran Pvlod. You will have a minimum grace period o/ 25 tlays wiMWl (nonce charge on new purchaxs, new Dabnce transfers, new specal purchases ant new dhM charge Y yW pay your toWl'New Baance ; in acwrdance wllh me Important Ndke for payments bekav, antl in Lane tar it to be tredaetl by your payment due date. There is ro grace period on cesh advances and special trans/ers. In adtlaion, there i5 ro grace period On any irensadbn it you tlo not pay the total'New babnre.' b. Accruing FManta Charge. Transactions which are noI whjed b a grace period are asxased finance dwpe 1) from Me dale d the Iransaclion or 2) (ran Me dale the lrenxdion is processed to yaw A¢ounl or 3) Irom Mn fast calendar day d the arrest bNNrp period. Add'Hionaly, H you Altl eat pay Me "New Balance' scam the prevbus halag pelotl in NN, firunw charges continue to aowe to your unpaid babrrce new Me unpaid bebnce a paid in full. The mearu Mat you may cllq own Dnance chages, even i you pay IhE enllre New Balance Indicated on the 1roM of your statement by Me payment due date, Dut did not do no far Ma pmvbus month. Unpaid finance charges ere added Io the eppliwbb segment d your Account. T t Minimum Finance Charge. Fn oath bilYng petal Mat your arrzwnt k 6uhjed b a Tirtance charge, a minimum slat FINANCE CHARGE d SD.50 veil be imposed. 1 tl. Temporary Reduction in Finance Charge. We reserve the lghl 10 rid 868088 8ny Or 811 (Inarlw Charg@s 10r 8ny given Dilbnp perltYd. 2. Average Daily Balance (krduding Naw Purohaaes). Finanw Uarge a wIW algid by multplying the tlaiy Dabrkx of oath eogmonl d your account (c.g., cesh advance, purdtex, aPEtid trorlsler, and spedal purMase) by Me correspondnp daiy pelodk rate(s) Mat has been previously tlisdosed to you. A[ the antl of each day tluing the billing polod, we apdY Mo daiy poriodk rate for cacti segment d your accwnt to the daily balance d each sagmerd.7hen at Me end d Me dllirp period, we add up Me results d These daily wlwblions to arrive s1 your peladic f once charge br ead+ segment. we add uP the rasuas som each segment b amve el the total pedodic farerre charge fa your atmunL To gel Me daiy babr,ce for each segment d your acwtrnt we take the begalninp balance for earn segment and add any new transactions and any prviodk finanw charge wlcWated on the previous tlays babnce for Mat segmmt. Wn then wNrad any payments or oeditc posted as d Mel day That are aYOwletl b Net xgment. This givsra us Me eeperale daily bebnce far cad, seynaW of your aawm. However, it you paitl Me Naw Balance shown on ygUr prEWDUa 6latemEnt In Jul (d(H ygUr nBV/ balanrL Wa6 zero or a aedH amount), new trenxdaona, which post to yow purehese err special purollase segmeMS are not adtled [o the tlaiy Dabncn. Wa wkWate the avwagn daiy hnlanw by adding aN the dairy halarYes upnthnr arM dividing the sum by the number d the days in Me artenl bNYng cycle. To cekubte your total finnnw charge. mW1idY your average daily balance by the daily Denedic rate end by the number of days in UIe biAirp period. Due to rW chirp On a daiy basis or due to minarwm finance dwrge assnsment Iharc may he a valance helvn:en INS wkublion and Me amount of finance merge actually asxsxtl. 3. Annual Parcenuge Retea (APR). a. Thn Inml "Annual Pwtnnbge Rate" may appear s "APR' nn IM irons d Mss 8lalnmenl. b. II lee code P (Ouaneny Prime), L (Ouanery LIBORI, C (Ouanedy CDJ. or 5 (Bankwrtl Prime) appears on the front ul ibis statement nest to ilW pndutlk r81e(s). the periodic rates ant connponding ANNUAL PERCENTAGE RATES mny wry quarkly and may it sense or decreax bard on Me staled indices, as lotald in Thn Wall Slreel Jownd, plus Ilw margin proviously dedosnd N yW. Those datngn wiN bs eRerJNe on tl,e first day of your balap period covered by your peraaYC s1alRmrml endkp in Me months or January, Apll, JWy and Odoher. c. II Ihn cWe D (Munlhy Prime), F (MUnthly LIBOR), or G (Trnaeury LIBOR) appears on tlro cross of your Easement Hen Io ME fteriotlk rate(s). Me perlodk retes and carrespontlirp ANNUAL PERCENTAGE RATES may vary rrbnlhy antl maY irrveax or deueaae based an the sated Indlp,a, es IWrW In The Wall Sirrxl JWmal, plus the rtargln previously diadnaM In you. These changes wYl be eeedive on the first day d your blNap period each mmM. 4. Assesemanl of LNe, Ovedimil and Ratumetl Payment Fses. Under Ihn lnmla ul yaw asslomer Bgrewnnnl, we ra6erve Ma right to waive or not to assess any fees wahoul plwnotifiwuon W you wiMout waiving ourlgM to asxsa Me same Or sim)Iaflees al a tiler time. T S. R«tewing Your Account. If a mendxHShip tee appears on the 1rp11 d your statomeM, you haw 30 days from Mc tlate the ssMemEm was mailed b you b avid paying the tee m to have such fee vedited to you H you wool your accarnl wi111gs1 having to pay Me membership fee. To wncd your account, you must Hotly us by wYing our Customer RNalions Department and pay your "New Balance' in lull (ezduding the membership lee) prior to the end or the Mirty-0ay petal. 6. 1/ you Gloss Your AE000nt. Vou can rogues to dose yWr aCW unI by wlYrp Wr Customer Relations Department. VW must destroy your vedA rartl(s) and scales access Ureetlls, wnwl erg preauMolzetl bdbng antl cease using your account. Aker your request b cbse, it you continue to transact or tlo n01 wnwl pr88ulhprizLd billing artangenlenls, we wgl crosklEr retYJpl Ma rrinrge yWr aUlhMiaadon Iq kEep yrwr Bctount open. Adtlitionapy, your account will not be dosed until yW pay all anrwnla yW awe us indutlirp: any [rensadbn6 yoU have eUMnrizad, finanw Chargrx, Pa6i dub fee6, (welamn Tana, MWTM payment lees, wan advanw leas ant any other fen nsened to your eccpsnt. You are responsible for thee anaunls whether they appear on your aCtoUnt al Me limn you requnsi Io lase Ihn aCrnunt or Mey are insured aubaequent M your rEquext to dose U,e arrnuM. The may resuA in dtargee appearkg on your account aver you have requested the account to be dosed. 7. Using Your Account Vpur card or account wnrol he used in mnnecDon will any Inbmel gambling IrenSaclions. B. Notice About Elsclronk Check Conversion. When you provide a check as payment you autholze us eilhnf lu use infwmEDun /r{arl ygUr clMdt IU make a Ww-lime ebcuonk Ned fmrular from your bank account ar to process the payment as a check Irdnsadiun. When we use blormalbn from )roar dwrA la make an eleclronk Nnd transkr, /ands maybe wlMMawn cum your Dank accuum as soon as Me same day we receive your payment, and you will not receive your chuck back hom your fx,antial iruMUUOn. BILLING RIGHTS SUMMARY (In Cax of Ertore or Ouocfioru about your Bit) If you Ihbk your biN a •/rong, or H you need more in/ormatian on a trensadbn or dtl, write to us on a separate sheet as soon as possible al the address (tx inquinns shown on Ifar Ironl of Mi5 statement Wn mutt hear Irom you no blur shalt 00 days efinr wn srmt ytw the lint wA on which the enor or problem appeared. You can rail our Customer Rcbtions wmbet but tloirp so will not preserve your lghts. In your lelbr, give ua Ihn lollowing Inlurmation: your name ant account number, Me tluYar snows( n/ ME suspectetl enor, a dssclption of the error ant an evplanaUan, ii posaibb. d why you believe Mere is an error: or if yw need more inlomwoon, a descriplbn d the item you are unwre about VW Oss not have la pay any amount in W nstisn v/hile we are invntigadng h, but you are still obligated to pay the pans of your bill that arc not In quesdon. While we investigate your question, we wmat report yW es dekrpuenl a Mke any action Io collect Mn amount you quaslbn. i. T SpoWl Rub br Credit Cab PurchaSOE If you have a problem with the qualAy of properly or services that You Durchased with a uedil wrd and you hews hied in good laith to wmecl Ihn problem will IM merchant, you may have the right rid to pay Mo romainap amount due on Mo property or corvicec. Vau have TMs protectbn only when the purchase prke was more than 550.00 and Me purchase was made in your home state or vrithin t 00 miles of your rrlaiNng address. (Ir we own or operate the merchant, a H we melted yW the adverexmenl fpr the progeny a services, all purchases are covered regardless of Duel or location of purchase.) Please remember to sign all esponderve. T Does not appl%ro consumer noncreda csr0 accounts Dots nor apply ro Dusalosa non.credd card accounts Capital One supports inlormalion privary proledion: see our w«bsne ai VaNV.wUuketn.CUm. CaplMl one e a radaraly r.getaratl aerwce mark of caviwl one Financial Corporation. AA lghla rexrved. O 2006 Capital One TC-0E O1DM6056 - 1 - DIytON7 Impasses Ndka~ Paymenn yw maY to us Hill ba crod0etl b your a¢ount as of the budreu day we recehe M, prowtled 11J you sent do bottom potion d dos slatemnl end yar die k in Me enclosed romNanee anvebpe wk (2) Your peymaM k rowivetl in cur Pocassaq suer by 3 p.m. ET (72 rom PT). Phase allow al least five (5) Wseeu days la postal tle4rory Paymenn rereivetl by us H arty dMr kcaaon or M airy dlw loan may rrol be credited as d IM tlay we reraive Them. OIN baleen days aro Montlay tlxoupl SaMday, eztludhY hdMays. Please do mt use staples, paper cFps, etc. rtes peparilg your payment. MOLLY ROBERTSON not MAYFRED LN CAMP HILL, PA t7ott•5433 Purchase Check :00359 x2523 68-7z7o/z56o 099o4-ot Pay [o the order of MOLLY ROBERT~ON r v n ~ .7 Dollars GapitalQn~. Richmond, VA Memo Dnte Use byDecember3t, zoo? Signature II'i252311^ r: 25607270Lr:750i4997DDD65il' 6056 506 1 0717071117 PAGE 2 of 2 O1DM6056 lust write a Capital One® Dear MOLLY ROBERTSON, Purchase Check! You have things to do. And now you have an easy, *onvenient financial tool to help you get them done-Capital One Purchase Checks. Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fee! things you want to do... write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. Whether you use them for cash or purchases, you won't pay a transaction fee when Remodel your home You use these Capital One Purchase Checks. Save time and money. Pay tuition Use your Purchase Checks to transfer higher-interest-rate credit card and loan balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Book flights and hotels You've got things to do...get them done with these Purchase Checks! Pa some bills Thanl<you for your time, ~-"-~ i '~*~~ y ~ ~~ A _ bu~b-' ~MJ`~-'~ .~RA S~~~ Get cash for things you ~ P. Taylor Jamison want and need Director of Accounts P.S. You can use Purchase Checks just about anywhere! Please remember to use Want to transfer a balance now? them by December 3t, soo7. CaU i-Soo-955-7070 or go online to hops://tronsferbolon[es.copitalone.com/af fers. +piease see the reverse for important information about using these checks. 09904 too359 1252[} MOLLY ROBERTSON Date 68-7z7o/z56o ztot MAYFRED LN o99o4•ot CAMP HILL, PA t7ott•5433 Use byDecember3t, zoo? Poy to the orderof v~-I D Dollars Ca ;~I Purchase Check -~ One` Richmond, VA Memo Signature II'i25241i' t: 25607270ir:750i49970DD651~' T m 0 m x m m m yO 9 O O T L7 0 m z 0 N m L7 n n a m m 0 T 9 T Z Z () a r z N _{ c 1 0 2 C N m Got questions? We've got answers Purchase Checks Balance Transfers Q: What is the APR for using my checks? A: The same as your APR when you make a purchase with your credit card. It's easy to get some extra cash for this busy time of year. lust write one to yourself, and deposit it in your checking account. Q: Is there a transaction fee? A: Nope! There's no fee. (No kidding.) Q: What can I use my checks for? A: Use them wherever you'd use your personal checks-and get the same great rate that comes with your Capital One card. Or, use them to save yourself some money! Transfer higher-interest loan and credit card balances to your Capital One account (just not other Capital One accounts). Q: Are these checks hassle free? A: You bet! They're accepted wherever you'd normally use your personal checks. You can also use them at places that don't accept credit cards. Talk about convenient. Purchase Checks: Q: Why would 1 want to transfer balances? A: How does saving yourself some money sound? Transfer higher-rate balances to your Capital One card and you could save money in interest. Consolidating your debt also means you could make fewer monthly payments. So you save time, too. Q: What kinds of account balances can I transfer? A: Personal loans, student loans, auto loans, home equity loans and others, too. Basically, anything you've borrowed -except balances from other Capital One accounts. Q: How do I transfer balances from other accounts? A: It's easy! Send the enclosed check like you would a normal payment. (Just don't go over your available credit line.) You can also transfer balances online at https://transferbalances.capitalone.com/offers. Or call 1-800-955-7070 and we'll take care of the rest. Q: If I transfer balances, will my other accounts be closed? A: No, not unless you contact your other creditors and ask them to close them. (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (S) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (fi) Cannot 6e used as a payment on any Capita! One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. (9) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. © 2007 Capital One Srruires, /uc. (,nyitnl Onr it a redrrnlly rrgistered service mark. All rights reser:~rd. T m 0 D a m v, m m 0 D O 0 m 0 m z O 9 m Q n D O m ,~ N mf ~9 m .y o m O y 9s m ; zv D O ~a a m r ~ z z ~ m ~ m C ~ ~ ~ 2 = C N N m ~ 500023 ~ Q i Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One9 balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks, Ready to transfer? See reverse to learn how. tall s-877-476-7939• FINANCE Previous Balance Payments r3 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,851.28 - $55.00 + $32.94 + $0.00 = $1,829.22 $54.00 Jan. 11, 2008 Nov. 18, 2007 -Dec. 17, 2007 Page 1 of 1 rlFASE MY AT IEASi T1eS AMOUNT Visa Platinum Account 4121.7470.44642835 ~~~~~ Your Accountlnformation REWARDS- TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $170.78 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $170.78 Finance Charges IPeease see reverse for important information) Balance rate Perbdic Corcespondirg FINANCE applied b rate APR CHARGE Purchases $1,843.44 0.05956% P 21.74% 532.94 Cash $0.00 0.06504% P 23.74% $0.00 ANNUAL PERCENTAGE RATE applied this period: 21.74 Q At Your Service 1-800-955.7070 To wll Customer Relalbns or to report a lost a stolen card: ® Send payments to: Capital One Bank ~ P.O. Boz 70884 ~ Charbtle, NC 26272-0884 e Send inquiries to: Capaal One ~ P.O. Baz 30285 ~ Salt Lake Cdy, UT 84730-0285 For more information on your Rewards: MII Visa: wwrv.wpiWbne.comlpoinlsrewards Colt: 1-800-228-3001 Have a question about a charge on your statement? Please refer to the Billi R' hts Summa on the ba Rewards Summary Previous available balance: 473 Earned this period: 0 (re8eds transacGms posted during Ihis billing cycle) Available Balance: 473 Payments, Credits & Adjustments 1 OS DEC PAYMENT $55.00- Capital One Home Loans o8ers a variety of no hassle home loan products, including first mortgages, refinance and debt consolidarron loans, as well as home equity bans and lines of credit. Our team oT experienced professionals understands that your situation is unique so your loan solu0on should be too. You'll have Me oneonone attention of the same personal loan wnsultanl from call to cbse. Visit www.capitalonehomebans.com for nave intimation. Capital One is an Equal Housing Lender. rg lg ry ck of your statement or visit www.caoitalone.comldisoutes. 6056 506 1 07 17 071217 PAGE 1 of 2 O1DM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4121747044642835 17 1829220055000054000 ~apitalQ~-I what's in yourwauet?' Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. $1,829.22 $54.00 Jan. 11, 2008 Address PLEASE PAY AT LEAST THIS AMOUNT Home Phone Alternate Phone E-mail address @ Amount Enclosed #9035269979524817# MAZL ID NUMBER nOLLY ROBERTSON 2103 t1AYFRED LN Capital One Bank CAMP HILL+ PA 37033-5433 P.o. Box 70884 IdrrllLrrlrrllrrrll~ LrIIILrrIlLrrrrrlLrrlLlrlrrLrLrlLrrllrlL,Nrrllrlrrll Char•lott¢, NC 24272-0884 lulrllnlnrlrllnrlnlrlllurlulrlrrlnlnllnlnlnllnrll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies ofyour other credit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at i•877-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. y. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. Now to Avdd a Finance Charge. } e. Grace Period. Vou wiX have a minimum grace perod o125 days wiMwl finance charge on new purchases, new balance trmslers, new specal purchases ant new other charges H you pay your Idal'New Baance'. in arcddance with the Important Nota:e for payments bebw, ant in lime for it to be crednetl by your payment five dale. There is m gace period on rash advances ant specal translars. In adtlgim, there k m gace perotl on any tmnsactbn nyw do mt pay the lotal'New baknce " b. Accruing Finance Charge. Trancackons which era not sulr(ed to a pmm perod are assessed finance charge 1) from the dale d the trorwacUm a 2) from Ifb data Inn Ironsectim is Ixocnssed to your Account a 3) Irum the first calendar day d the arrant bilirg period. Adtlniaglly H yw Akf not pay the "New Baknre' Iron the prevbua hWng perotl in WII, finance cnarpec continue to acaua to your unpaid hakma unlit the unpaid balance k paid in tut. The means that yw may sllN owe finarwe charges, even H yw pay Ire emiro New Balance indicated m the front of ywr aktemenl by the payment due date, but dtl not do So for the prevbus monM. Urlpald fnenca charges era added to the appliode segment d your ACCOaM. } c. Minimum FManu Charge. Fa rash hilirg perotl Mat ypu acrnmi k eubjed to a imr¢e charge, a minimum Idol FINANCE CHARGE d 50.50 wAl be imposed. } d. Temporary Reductim in finance Charge. We reserve the rght W rid a6se8s any or all finance charges fa any giwrt WIAnp period. 2. Average OaNy 8aknu (Including New Purchases). Finance charge is celdllated by mulliplyinp ma daiy balance of each sagrrwnl d ywr arxqunl (e.g., cash advamc, purdtase, sperJal Iroraifer, and special purdlaee) by the cprrespond'np daiy periodk rotNs) Mat has been previously disclosed to you. At Me end of each day tluArg Iha biting porod, wo aDWY Ma daily periodic raW for each segment of your amount to Me deny bNance o1 each segment. Then al the end o1 the billing period, we add up the .aeons Of these dally calwletians to enive Bl your pehodk finance cnarga /Dr each 56gmeM. We add up the rosulk hem each segment to ertiw al the total periodk fnance charge for ywr acmum. To pet the daily balance for each segment d ywr eccwnl, we take Me begiminp bmarrce fa each segment and adtl arty new banstrcnons and arty parodic finance charge celwlakd w the prevxs+s day's balxrce for drat cegnrenl. We Ilrnrr suhirad any payments nr Define posted as d Mat day Ihal arc eAOraled b that segment. This giwa ub me separate deny entente car earn sagmnM pr yap. account. Hpwnwr, If yw paid Me Nxw Balanta shown on your previous statement In tut (d Hyour nrwi ha4nme was or a cedit anwuM), new Iransedions, which pool to your purWSa a apedel puchase sagrneMS ere not added W Mtl daiy baknces. wit cakWaln Ina avnragn tleily balance by adding aX the dally hakrluu rngeNer ant dividing the sum by Me number of the days in Me rllnenl biting cycle. To calculele your Idol finance charge, muNigy your awrege daiy balmce by the daily periodk rate and by the number of days in Ute biiirg paned. Due to rountlirg on a deny basis a due to minknum finance charge assessment, (here may be a variance between this cekulatim and the amount of enance charge edually assessed. 3. Annual Percentage Rates (APR). a The Inrm'Annual PnrmMage Rate" may appear s'APR' on Me from o/this 6Ulamenl. b. II the coda P (Quaneny Prme). L (Ouerterty LIBOR), C (OuaneAy CD), a' S (Bmkwrd Prime) apyears m the front of Mh statement Wen W Uw penudk ralefs), Uw penudic rates and comespmding ANNUAL PERCENTAGE RATES may vary ylarterly and may irKiease a decease based m Ne skletl iMices, as found in The Wall Slr«I Jounal, plus Iha margin previously tlisdusetl W yw. These dlenprs wiY lx enedive m Me first day o/your bXlkg period covered Dy ywr periodic statement ending in Mn mmiha nl January; April, !uy and Odoher. c. If the cWe D (Mmlhly Prime), F (Monthly LIBOR), a G (Trnaaury LIBOR) appears on tlx irml d your etatemmt next to the perotlk rate(s), Me perbdk .ales end corresponding ANNUAL PERCENTAGE RATES may very menlhly and may iraease or tlau«se based on the skletl indices, as fwn0 in The Well Sir«I J W mat, plus the mxgin previously distlnaetl m you. Those charges wAl file e1ledNe on Me first day d your bWinp peAOtl each month. 4. Assessment d Ute, Overlimit end Retumad Payment Fees. Untlnr Ihn Inrms d yaw waWmer agreement, wit roaenle MO rigtN b waive d rid 10 deaesa icy f8eb wliham era nMUlUtion [o yw wkhwt waMrg ourrgM to assess the semeor simile. fees at a lalerlime. } 5. RerlesWnp Your Account. II a membership foe appears m ltb front d ywr NatomoM, you haw 3D W ys from Mo dale Mk statement was mailed W yw b avid paying the tee or to have such lee vadited W you H you anal your account willed having b PRY the manlDelship fee. To recital your aLCOtNII, yw must nobly us by pllkg our Customer Relalims Department and pay your'New Balance' in fop (excluding the membership fee) prior to the end or Me Ihirry-day period. 6. I/ Vou Close Vour Accpunl. Yw Un request to dose year account by ralAng ow Customer Relations Department. Yw must destroy your aedN card(s) and account a¢ed dleda, cancel ant preauthorzed bi6np and cease using ywr ecwunt. Alter your regwsl to thee, it you wntinue to iransad or do not cancel preauthaized aniny anangemenls, we will consider re rip of a rilarge ywr aullMrzatlm to keep your account open. Additionally, your account will not be cbaed until yw pay all amounts yw owe us inNudng: any Iranaadipn6 yw have dUlh(xi2ltd, Unence Chargna, Debt five lace, overemit lees, rnwmeA ~ yment lees, rash atlvance f«: ene any other r«a a:aaaaad tp your .cwpnt. Ypa .ra rcsyonsibk fm Ihese emwnls whether Hey appear m your aarx+rll a1 Ma Ilene yUU mgUest Io L1USB Ihtl eCCWnI d U+tly Lurrrxl aunRRgnenl In ywr roqural In dean tlw ar` M ini=mmav reaps in N,a.ges eppearrp pit yppr aLLppnt Rear yea have requested the acmunl to be Gosed. 7. Using Veur Account. Vwr cerd or account cannot be used in connection wNh any Intemel gemblkg Iransedions. 8. Notice About Eleclrpnk Chsck Conversion. When you provide a check as payment, you aNhodze us either lu use infprmaliun from ywr ennck W make a antl-lime ekctronk Wnd Ireraler /rom ywr bank acreva or to process UIe paymmi as a check trsnsadiun. When we use nlormakon from yow duck ro make an ekdronic WM trcnsler, hinds maybe wiNdravet hum ywr bank arewnt as soon as Me soma day we raceha: your payment, antl you will iwt rrunivn ywr chxk back hom your financial instilulim 81LLING RIGHT$ SUMMARY (In Caso of Emors or Ouottiam abdn V r BNq If yw Ihink your MII is varwg, or if you need more information nn e trsnsedion or bill, write Ip us m e ceperale Shell as soon es passible el Me address lur inyuirus shuvwl m Mn Irani of this SklrrmenL wit must Isar from yW rip 181rw than 60 days agnr we amt you Me first bin on whkh the error or problem appeared. Vnu eon call our Cusomer Rektions number, but ddrg eo will opt preserve your rphk. In your letter, give us Ihn IoNOwirg inlprmapon: year rranxn end acWan[ number, Me doXar 8ngpni of the auspeded error, a dexAplbn or the error antl an explenelnon. N passible, d why you belkw there H an error; or If yw need more inlannatim, a deacriylion o! the item yw are pnspre ahem. vw dp rid raw m pay any amwm in quesfian while we are inveatigaUng h, but yw are xUl obligated to pay Iha park of your bill that are not M queston. While sve IRVectigate your question, we eemol rcpart you eb dalirpuml a lake any adios to CdlaLl the amount you question. F, T SpcrJal Rub for Crodn Card Purchases Ii yw haw a problem with the qualNy of property or services [hat yw puroheaed with a cretlH card antl you haw ukd in good larth Io wnecl the problem will the rMrchenl, Ya may hew Ire rgM rid to pay No romainkg amount duo on the poporty or cervices. Yw have INc protection only when the purchase prce was more than 550.00 arM Me purchaee was made In your home sole a wilitin 100 miles pf your rtwNnp address. (11 we awn a operate the merchant, d N we mailed Yw Iha advertisement for the properly or services, all purchases arc covered regardless of amwnt w locatbn of purchase.) Phase remember Io sign all comesppntlxKe. T boas not apply 1o consumer ron•crede card accwMs boos not apply to busiross nortcrodil card accounts Capikl One euppon5 information pnwcy prolectim: see our vrobsna al www. Caonalme.cum. Capikl One a a federally registered service mark of Capital One Financkl Corporation. AX nghLt reserved i1200B Capital One TC-Od O10M6056 - 1 - Od/10.07 Important Nolks: Payments yw msN Ip us wW oe cretliled b you afppnl its d Me Wdnett day we rxeiva n, provided (1) you tend tlw bNtam ponbn d this slatemenl and you tln!ck in Ha entlpaW remAkrla envebpe and 121 Your payment h rereWed k au pradsirg Unix by 3 p.m. ET ~t2 noon PT). Please allow at least five IS) businett days fa pdiN tleN+xy. Paymama Waived M d at arty fiber kx:xion a in arty xnx tam may not ce aextetl tt o/ the daywe reahe Ihem. Our busbett daya are Monday IMOUgA Sallyday, extlud'ng hdbays. Please Oo ml use skald. paper ekes, eb. when prepxhg War paYmem. MOLLY ROBERTSON ztot MAYFRED LN CAMP HILL, PA t7oit-5433 Pay To The Order Of MOLLY ROBERTSON VOID ~apitaiQy~° Richmond, VA Memo Purchose Check Date Use by/anuary3i, zooe Signature II^i252511' ~:25607270ir:750L4997DDD6511' 6056 506 1 07 17 071217 PAGE 2 of 2 O1DM6056 200360 12525 68-7z 7o/z56o 09905-ot S 0 Dear MOLLY ROBERTSON, With the enclosed Purchase Checks," you can access your Capital One" account almost anywhere-and in a number of ways! There's absolutely no transaction fee for using them and they carry your purchase rate. Here are some wavs you can use Purchase Checks: Transfer higher-interest-rate balances and you could save money. -- Use your Purchase Checks to transfer outstanding balances on other credit cards, department store cards or loans. Simply write a check toward the balance and it will appear on your Capital One account at your purchase rate. Move other higher-rate balances today and you could start saving with fewer payments every month! Put them in your wallet and use them to make purchases. ~~~~ Purchase Checks are especially handy at locations that accept personal checks but don't accept credit cards. l ~/ So, whether you're making a big purchase, buying electronics-or just buying groceries at your local `~~/ wholesale club-your Purchase Checks give you an easy way to pay. Make a major home improvement. Remodel your home with the kitchen of your dreams. Buy the new furniture you've been eyeing for your living room. Replace that leaky faucet or build the addition you've always wanted. There are a lot of great + I~ , \ ways to use your checks. ~ ~ Use them to cover other expenses. Your checks can be used to pay for travel, school tuition-even bills. Simply use them like you would a personal check and enjoy the flexibility of paying over time if you wish. Use your Purchase Checks for almost anything you'd like. Just be sure that the total of your checks is not more than your available credit line. Donymiss out -use your checks by January 31, 2008 or call us at 1-877-476-7939 to transfer today. Foraddrtionot in/onnation about using Sincerely, your checks, please see aA7NJTxX~. theback\o/thispoge. P. Taylor Jamison, Director of Accounts `--~ P.S. Use your no-transaction-fee Purchase Checks today and take advantage of your purchase rate. You can use them just about anywhere! * See back of letter for important information about using these checks. MOLLY ROBERTSON ztot MAYFRED LN CAMP HILL, PA i7ott-5433 PayToThe Order Of v n i G'apitalQ~° Richmond, VA Memo Purchase Check Date Use byJonuary3r, zoo8 Signature 200360 12526 68-7z7o/z56o og9o5•oi S 0 11'1252611' t: 25607270 L~:7 50 1499 700D651i' o m A O Z mo O -i a o m m m o- = m x~ ,, y ~ m zz D v Z O c~ y r N Z 2 ~ m ,~ m C ~ zF ~~ m ~ * m Answers to frequently asked questions about Purchase Checks Q: Why are there checks in my statement? A: The enclosed Purchase Checks offer you another easy, convenient way to access your Capital One account. You can use them virtually anywhere, for almost anything you wish. Q: Are these checks safe to use and to have around? A: Yes, with our $0 Fraud liability policy, you're not responsible for unauthorized charges to your account if a Purchase Check is used without your knowledge. Q: How are Purchase Checks different from my personal checks? A: You can use Purchase Checks just like personal checks. The difference is that instead of drawing funds from your checking account, Purchase Checks take advantage of the available credit on your Capital One account. Q: What can I use my Purchase Checks for? A: You could use your Purchase Checks for almost anything: consolidating credit card debt and loans (except Capital One accounts), taking a vacation, or making major home improvements. Or, deposit the first check, that's made out to you, into your bank and use the cash for whatever you want. Q: Why would I want to use my Purchase Checks to consolidate debt? A: You could save money by transferring higher-interest-rate balances to your Capital One card at your current purchase rate. And, by consolidating debt, you could have fewer payments to make for greater ease and convenience. Q: Where are Purchase Checks accepted? A: Purchase Checks are accepted wherever you'd normally use your regular personal checks. You can even use them at places that don't accept credit cards. Q: What annual percentage rate will apply when I use my Purchase Checks and is there a transaction fee? A: You will receive the same APR you currently enjoy on purchases made with your credit card and there is no transaction fee. Purchase Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used as a payment on any Capital One account. (?) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. (g) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect $0 fraud liability claims are subject to verification and investigation. (i) 2007 Capital One Services, lnc. Capital One is a federally registered service mark. All rights reserved. o m a z N z O mo O 77 ~ ~ a o m m m ° = m ~~ .~ y a m zz z' n a r ~ zZ -Ni m ~ m C ~ ti ~ 2 = N w m~ 'F m soooo6 Ce7p~fie-i/Qy~' what's in your wallet?' It could happen to anyone. Make sure you pay the amount MOLLY ROBERTSON due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS ~ do a lot more than you think. GOOD CREDIT =GOOD tREDIT REFERENCES ~ a a BETTER INTEREST RATES (good credit could mean lower interest rates) a ~ ~ IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ©2~ Capital One Srrvites. Inr. Capital Onr is a fidrraUy rrgisrtrtd srruict mark. All riehu ratrutd. 500008-08503 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,829.22 - $0.00 + $33.45 + $39.00 = $1,901.67 $111.00 Feb. 11, 2008 Dec. 18, 2007 -Jan. 17, 2008 Page 1 of 1 . PtFASE PAY AT tFA57 THIS pMWNT Visa Platinum Account 4121.7470.4464.2815 r.~Np/•/aSSit@ Your Account Information ~• REWARDS- TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $98.33 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $98.33 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,854.09 0.05819% P 21.24% 533.45 Cash $0.00 0.06367% P 23.24% $0.00 ANNUAL PERCENTAGE RATE applied this period: 21.24 Q At Your Service 1-800A55.7070 To wll Customer Relations or to report a lost a stolen card: ® Send payments lo: Capital One Bank ~ P.O. Box 70684 ~ Chadolle, NC 28272-0884 Your account is one payment behind. Remember that makny your minimum payments by the due date keeps year account in yood standing. Further missed Oavmerts may be sported to the national credit bureaus. So make sure you send ir! the nunimum amount due to keep your account in yood slandinG. Rewards Summary Previous available balance: 473 Earned this period: 0 (reflects transactions Dusted dudng Uus billing cycle) Available Balance: 473 Payments Credits & Adjustments Transactions 1 11 JAN PAST DUE FEE $39.W Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been Send inquiries to: increased since your account was past due twice in the past 12 billing cycles. If your rates have already e Capital One ~ P.O. Box 30285 ~ Sall Lake Cdy, UT 84130-0265 increased, subsequent delinquencies ezlended the duration of the inceeased rates. Remember: If we receive for more information on your Rewards: your minimum monthly payment on lime for 12 consecutive billing cydes, this account will be reviewed for a Visa: www.rapitalone.camlpdnlsrewards possible return to your Non-Introductory APR. Call: t-800-228-3001 You wes assessed a past due fee because your minimum payment was not received by the due dale. To avoid this fee in the future, we rewmmend the! you allow at least 7 business days for your minimum payment to reach Have a ques8on about a charge on your statement? Capital One. Please refer to the Billing Rights Summary on the back of your statement or visit www caoilalone comldispules. 6056 506 1 07 17 080117 PAGE 1 of 1 O1DM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4121747044642835 17 1901670055000111008 CapitalQ~' ~ what's in your wallet?' New Balance Minimum Payment Due Date $1,901.67 $111.00 Feb. 11, 2008 PLEASE PAY A7 LEAST THIS AMOUNT Amount Enclosed ~~ Capital One Bank P.O. Box 70884 Irlrr~llrrrrlrr~rrlr~~ Charlotte, NC 28272-0884 LEITILEInrLILrxIlE11111trlLr6LdtdrrllTrLrLrIIrEEII Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address @ #9001869979524819# MAIL ID NUMBER HOLLY ROBERTSON 2303 nAYFRED LN CAnP HILL. PA 37013-5433 nrll~nr~~~nnn~lnrl~r~rlnln~nllnr~~t~~nunl~T~n Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. } e. Grace Pedod. You wiA have a minimum grace period of 25 days wkhwt fuwnce charge on new purchases, new Dakr+ce harrskre, new apetlal purchases ant new olha charges 1 you pay your total'New Baknce', In accordance wim the Imporunt Notice kx payments Debw, and in time for it to De aediled Dy your payment due date. TMre is w grace period on rash advances ant spacial Dins/ers. In atldNbn, than is ro grate perod on arty lrensactpn tt you do not pay the tolal'New halance' b. Acervlnp Finance Charge. TransacdonE which xe not zubjed ID a 8r~ period err assessed finance charge t ) hom Ne dale d the DansaGim a 2) from me dale the Irensed'wn is pro®ssnd to yow Awount su 3) Inxn Ihn first talendx day o/ the Wrten[ OiNirg period. AdtlaiMally N yw die rid pay me'New Baknu" Imm Me previous homing period m /WI, Rrence charges mnanue to asrue to your unpaid baance until the unpaid baance is paid in IuA. This means mat you may sDM own finarnn charges, even N yw pay ms entire New Baknce Irdiraled on the front o/ your statement Dy the payment tlue date, bll ditl wl w w for '~. Ina prevbus month. Unpaid fnance charges are added to '' the apdicada segment dywrAcoouM. } c NAinlrnlarl Finance CMrga. For each Nwng period mat yea octant k suDjeG b a hr+ar+Le Lnarpe, a miNmum [dal FINANCE CHARGE d 50.50 was ee imposed. } d. Temporary Reduction In Finance Charge. Y/e reanrve me right to nor acseas soy a as fnance charges la any given DNNrq pariotl. 2. Averaps Daly Baknu (Includir+g New Purchases). Finance charge is cakadeled Dy mulliplyinp the tlaity Delance of oath eegrrrent of your strollni (e.g., case advance, purrhex, speck) 1rar+s(a, ant special purchase) by ll+e corresprxdbp daily peiodic rete(s) mat has Deen previously Gsdoaed b yw. AI the end of each day during trio biwng poriod, vro aPdY mp deny pariodk reb for eaU segment d your arrwnl a tlx dally balance d each sapnenl. Then al me end d der Milky period, wa add up the results d Uase tlaily celalalbr+s to aRive et your periotlk 6narye ChaRJe lot Bath Sagma+t. We Stltl up U+a resuNS lrom each segment to aMVe at the total periodic thence charge fa ywr armnL To get me tlaNy balance for each selYnant d ywr account wa kke the bepimbg baance far eaU+ segmem and sad arty haw transactions and any periodic Nnance cnarpe cNwkktl on lhn previous days baance for mat 68gnlexn. WE Ihen 6uhllaG arty poymems nl vMNc pasted as d Nat day mat arc eNaceted b that segment. Thk gives us the Sapereln daffy potence for each SeynaM u/your account However, if you paid mn New Balance Shown on yOUr preVIOUa alalBmeM In /uA (Or ttyOUr nevi hnArre Wa6 zero or a aetla amount). new IrMSSdbns, Wt+ich goat to ywr purchase or special purGrose sngrnenis are eat added b Ihn dally baWncas. Wn fakudale Iha avaxJe daily balarre by addiry all the daily balances togEUier and dividry me sum by the number d the days in the anent billing cycle. To Calculate your local Ilnmce charge, mullidy your average daily balance by the daily cehodk rete and M the number of tlays in tl+e hieing period. Due b rounding on a daYy basis or due W minimum Nnanw charge assessment, there may be a variance between tNS cekulation er+d Ihn amount d finance charge actualty assasud. 3. Annual Percenlaye Rates (APR). a. The tnm+ "Am+ual Pacenlage Rata" nay aDDex as'APR' on me Irons d the sulement. h. I/IDe rode P (Duanerty Prime} L (Duanerty LIBOR), C (Ouarteriy CD), or S (Bnnkrard Prime) appears w the Iron) of this slalemeiy nevi to U+e perW is rate(s), U+e pakdic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarlxly and may increase or darerrx based on Ih[ akled kdices, ss land in The WEN Street Journal, due Ihn nmrgin previously disclosed b yw. Thnsn G+ergss roil ba nRadi+e w d+e arsl day of your bwing period cavxed by your perinek sLNamenl ending in the mwlhA nl January, April, Juty and Odaba. c If Ihn code D (Mwmty Prime), F (MunlMy LIBOR), err G (Treasury LIBOR) appears on U+e front ut your sulemant next to the perindk rate(s), the perlodk rases and cortesponding ANNUAL PERCENTAGE RATES may vary rnonmly end may increase or devease besetl on the slated indices, as Iwrd n Thn Wan $Irwl Journal, dos me rrwrgin prnvbusty dladrreal to you. Thean changes wYl De efleGive on the first day d your owing period ease mmm. s. Auassmenl of Lsle, Ovarlimit end Returned Payment Faea. Under Ifb InrmE of your wslomor Bgremm~+l, we reseNe mB right l0 waive a nOl IO as6BS8 x+y 1668 wilhOm prior ndifiWlon b you withwl waivap ourrlpM to asseES the same or similarfees at a klertime. } 5. Renewing Ywr Accwrt If a man+baship lee appears on Iho hoot of ywr srelomcnL yw hevo 30 days horn the date mis sulemenl was mailed to yw b avoid paying the lee a to nave such lee uediled b yw if yw cancel ywr account wimaa laving ro pay the membership tae. To cerx;d ywr acwunL you must notity us by roping our Cuebmcr Rektions Department and pay your'New Balance in 1uN (exdudinp the membersMp tee) odor b the and of me thirty-day period. 6. H You Cow Your Account Vw can request la Uose ywr account Dy celkng our Customer Relations Department. Vw moat tlestroy your aetlN cerd(s) and accent axess checks, rental aX preaulnorized bd5ng and tense usirg ywr account. Aflx your request to Goss, it you wnanue to Dansad a do not ralxel preauthorized Mlliny artangemenls, we Will crosina rari(N M a Gorge your adhnn27tlnn in keep ywr want open. Addilionapy, your acwunt will rid be cbsed uNa yw pay all anwnls yw awe us indutlky: any Irensadbn5 you have authcxizetl, finance charges, pall due feet, nvnramN lees, rnNRk'd payment lees, race advance 1669 antl any other lees assessed to ywr account. Yw xe responsible fa Ihase amounts wmm~r Ivey appear on you aCCOI1ni ai the limn you rbq Uest lu dubn the aCCUUnt M They Aa k+faRM 6Ub6eQUeni M ywr regUP.ct ID tlOae ant aLCDUM. This may result in dirges nppear'xg on your acwunt alter you have requested the acwunl lobe dosed. 7. Using Vour Account Ywr card or acwunt cannot be used in wnnec5on Wim any Inlamet gambling IrBn58Gtiona. 8. Notice About Electronic Check Cenverelon. When yw provide a check as payment, you aulhor¢e us either to use in/orma5a+frum ywr wnu lu make atria-limn ekdronic land DAnsfer from ywr bank acwu+l or to process the payment as a d+nrx trensaabn. When we use infoRnalgn from your check to make en electronic fund Dansinr, /ands may De WfUdraWn horn yw! bank BCCWni as swn as the same day we receive your payment, antl you will nor receive ywr check back Dom your fxancial k+staution 81LLING RIGHT$ $UMMARV (In Corso of Ertac or QucsSms about Vow BIN) tt yw think your MII is vuor+p, a N you neM more in/amation on a hx+udbn or biN, write to us m a snparete cMet as swn ac possible el Ihn address fur inyuirins shown w Ihn front of mis ekbman[. Wn must hear from yw no later awn 60 days ahnr we sent you me Tiret hip on whkn the eror or problem appearetl. Vou can rail our Cusloma Relations wmbar, DW dakg so will not preanrve your rights. In your lellx, give uc the IoNawir+y iniurmetlon: yOUr name antl awuunt numbs, Ihn tloNx anxwnt Of the suspednd error, A descepllon a/the error and An exdanaUw, it poaslDk, d why you believe mere is An error; or N you need more blormalion, s descridion of the item yw are unsure about. You tlu not have to pay any amount in question while wa are bvesUgadng D, but you are still obligated to pay the pans of yow bat mat are not in question. While we inveslipate ywr question, we cernot report you ss delinquent a kke any atlbn lu rtYlerCl me amwnl yea question. _, } Spockl Rulc for CredN Card Purchases If yw have a problem with the qualNy of property or servkec that yw purchased with a aedN card and you have tried in good faith to cornett the problem wim tl+e merchant, you may have the right rid b pay iho romaink+g artbuni due on mo popony or corvires. Yw have This proleclbn oMy when me purchase Ddce vras more man 550.00 and me Durchaas was made In your home state a vnthin 100 miles a/your mailing adtlress. (If wa own or operate the rr+xehanl, a N we maNatl yw IM atlvenisement for the progeny a services, all purchases xe wvand regardless of amount a Itration of purchase.) Please remember to sign all correspondence. i toes wl ePWY ro consumer non•neda taro attounis Dons not aptly ro businoas mr+crodit card aowunfs Cadlel One aupyons infomlalion privary protec5on: see our wrsbsne at www cedlabnn wen. Captal One h e fedxalty registered service mark of Capital One Financial CorDOrada+. Ap rights reserved. O 2005 Capital One TC-Otl mtportaM Moller. Payments yw msY m us will be aediad m your saount as d pre business tlay we casaba N, provided (1) you sent Ihn honrm portion d tlas srswnent end Yew ~ b Inn enclosed remilknce envebpe and 12)Ww paY~ a received h wr goosing enter by J p.m. ET 112 noon PTJ. Pkaxe aNev al lent f IS) huskrss days far postal delivery. Payments rerehed M us al any olhx peahen a k soy oche brrri may rot fie tanned x of tlw daywe rereinre them. Our buuness daYS are MwldaY ttrwgh Satlrtley, acludnq hd'daYS. Passe do nor use staples, paper Giq, etc. when preparing your pnymeM. 500008 CapitalQ~- what's in your wallet?' It could happen to anyone. Make sure you pay the amount MOLLY ROBERTSON due on your statement as soon as possible. W~"~~QPS, Keeping your credit in good standing can think th l . an you ot more do a GOOD CREDIT =GOOD CREDIT REFERENCES r ~ ~ BETTER INTEREST RATES (good credit could mean lower interest rates) a ~ ~ IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ~ 2006 Capita! O++e Sen+ita, ync. C apitnl One is a ferlerr!!y rnghured Tnr+dte +nm'k. A!1 riyhu rrrerved. 500008-08503 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,901.67 - $54.00 + $35.12 { $39.00 = $1,921.79 $114.00 Mar. 14, 2008 Jan. 18, 2008 -Feb. 18, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.44642835 '~~~~ Your Account Information r~~~J...••• REwanos- TOTALCREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $78.21 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $78.21 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,886.20 0.0581996 P 21.24% $35.12 Cash $0.00 0.06367% P 23.24% $0.00 ANNUAL PERCENTAGE RATE applied this period: 21.24% Q At Your Service 1.800-955.7070 To cal Customer Rehlims or b repon a bst or sbkn card ® Send payments to: Capital One Boric • P.O. Box 70884 • Cherhtte, NC 28272-0884 A Send Inquiries lo: C~i,at Ore• P.O. Box 30285 • Sal Lake Oty, UT 84130-0285 For More Informa8on on your Rewards: hl~ Usil: wvw.capitabne.com/pdnlsrewads Cat 1-00422&3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit vnvw.caoitalone.com/d5outes %fFSE VAV AT LEAST THIS AMOUNT Your acwl;nt E one p3`ymenl k>Ehirw. Remember tl at making }roar minimum payments by'Ip due L~!e kct~ps yrnu acccunl in ca~1 standing. Further missej pcrymenL may IN r?F:aried io the nathonal crc-di: bureaus. So make sure you send in the minimum amcunt due fo key yixu ,-:ccoanl in goad s1<sndinq. Rewards Summary Previous available balance: 473 Eamed this period: 0 (reRSCts var~sedions posted during this bifng ctcb) Available Balance: 473 Payments Credits & Adjustments 1 25 JAN PAYMENT 5,5400- Transactions 2 11 FEB PAST DUE FEE ~ ~ Under terms previousy disclosed to you, some or aft of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. If your roles have already increased, slbsequent delinquencies extended O,e drration of the increased rates. Remember If we receive your minimum monthly payment on time for 12 consecufrve billing cycles, this account will be reviewed for a possble return to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due date. To avdd this fee in the future, we recommend that you atbw al least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. GapitalQf'[Q• what's in your wallet7• 0 4121747044642835 17 1921790054000114008 New Balance Minimum Payment Due Date $1,921.79 $114.00 Mar. 14, 2008 PLEASE I'AY Al LEA51 THIS AFAOUtJT Amount Enclosed Capital One Bank P•0• Box 70884 ~r~rr~~~rrr~rrl~r~rr~~ Charlotte, NC 215272-0884 )n~l~)n~m~,~~Ln~n~r~~~nr~n~r~n~n~n~~n~n~n~~nr~~ Account Number: 4121-7470-4464-2835 Please print address or phone number changes bebw using blue or black ink. Home shone Alternate Phone f-mat/add2ss @ 119005069979524817ti MAIL ID NUMBER HOLLY ROBERTSON 2301 HAVERED LN CANP HILL, PA 17013-5433 III IIIIIIII I111111IIIII~IfIIIU)1IIIII IIIIIIIII111111III'll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a FMana Charge. t a. Grote Perbd. You will have a MMmum grace period d 25 days wnhoW finance charge on new purchases, new balance irorsiars, new spedel purdases end new dher charges 11 you pay your coral "New Balance", in aeeordanta with the Important Noice to payments bebw, sod in gme for N to be eretlaed by your next statement tlaMg date. There k ra grace period on cash advances and apeclal transfers. In addttion, there is no grace period on any transaction N you do not pay the trial "New balance... b. AcCNing Finance Charge. Trensactiors which are rot subject 1o a grace period are assessed tinarae charge 1) from the dale d the tansactfon a 2) Irom the dale the trorlaaction Is processed to your AtcouM cr 3) iron the first aleMar day d the tartaric Ngirg pedal. AddttiOnally, n you da rid pay ihe'T1ew Balance' from me pevbus Wlling period In full, finance charges Continue 10 setae t0 your unpaid balance uMN the unpaid bounce is pao in tuN. This masts that you may sgN owe finance charges, even H you pay the entire New Balance indicated on the front d your statement by the next atatemeM Goring date. but did not do so for Inc previous month. Unpao finance charges ere added to the applkabre segment d your AtauM. t c. Mirkrum Finance Charge. Foreach billing period that your account h subject W a finance charge, a mimmum total FINANCE CHARGE d E0.50 will be imposed. H Inc total finance Charge resutling from the epplkalion d your periodk ms(s) k less than Eo.SO. moor wkl sutaraa Ihat amount from the Eg.50 rnnimum std the dNlerente wip a bNled to the purchase segment d your account. t d. Temporary Reduction in Finance Charge. We reserve the tight to not asseaa any or all finance charges for any given billing period. 2. Average Dally sauna (Including New Purchases). Finance charge s tekuuted by mulgpryktg the dally balance d each segment of your account (e.g., cash advents. purchase, special IraMler. and spetul purchase) by the oonespanding dairy parodic rote(s) that has been prevousy disclosed o you. At the and d each day during the biting period, we apply the dairy pruiodk rate for each segment d your atcourd to the daily balance d Bath segrtsM. Then at the end d the billing period, we add up the resuna of these daily altulations to aMva at your penodk finance charge for each segment. We add uD the resuris from each segment to aMve al the total periodk finance charge br your aecounL To get the lefty balance tort each segment d your account, me lake the beginMng balance to each segrreM and add any new iransactioM ant any periodic finance charge alculaled on the prevbus day's balance for tlut segment. We roan subtract any payrtaMS a credits posted as d that day that are albtaled to that segment. fhb gives us fne separete daily beurae for each segment d your account. However, N you paid the New Balance sMwn on your previous statement M full (or N your new balance was zero a a CnrdM amount), new tronsacaons, whkh post to your purchase ar sprrdal purchase segmena are rat added to the lefty balances. We cekWate the avarega dauy balance by adding all the dally bauncea together ant dividing the sum by the number d the days In the tartaric biting ryde. 70 alculate your total finance charge, muNipry your average dairy balance by the dairy perfodk rate and by the number d days in the billing period. Due to rounding on a daily basis, there nfay a a slight variance between this akurolbn and the amoun101 finance charge actualry assessed. J. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as "APR" on the front d this statement. b. I1 the code D (Cklarieriy Prime), L (Cluarierty LIBOR), C (OUarieriy CD). or S (BankaM Prime) appears on the Irom d this statement next to the periodk fate(s), the periodk rates and tortasponding ANNUAL PERCEMAGE RATES may vary quanariy and may Increase cr decrease based on the stated indkes. as found In The W all Street Journal, plus the margin previousry disclosed a you. These changes will be enective on the first day d your blllirg period covered by your perbdk statement ending in the monies of January. April. July and October. c. tl the code D (MOMhty Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on ttw front d your slatemeM next 1o the perlodk rate(s), the periodk tales and wrtespoMing ANNUAL PERCENTAGE RATES may vary rnonlhly and trey increase or decrease based on the stated indkes, as lountl in The waN Street Journal, plus the margin previously discosed to you. These charges will be effective on the fiat ley d your bitkng period each month. d. ASSeasmeM d Lafe, OvariimN and Returned Payment Fees. your atceuM will ba assessed no more Ihan three of the fees listed Mare that occur during anY NIIIng period. Under the tams o1 your customer agreement, we reserve the right to waNe or rat to assess any tees wNhoW prior ndifaatian to you without waiving our right to assess fne same or similar lees at a later time. t 5. Renewing Your Account. if a membership fee appears on the IroM d your sWlemeM, you have 30 tlays from the date ihs slatefneM was malted to you to avoid paying the fee or b have such fee CredNed to you N you cancel your aaoum wNhoW having to pay tce membership lee. To rental your atcoum, you roust ndity us by aging our Customer RelafioM Department and pay youf "New Balance' In IWI (excluding the membership fee) prbr to the end d the thkryday parlod. 6. Ii You Close Your Account. You an request to dose yourattouM by alkng our Customer Relatbns Department. Vou must destroy your CredN ard(or) end aCCOUnI access checks. ancel all preaWhorized billing and ease using your acwuM Auer your request b Close, H you coMUUe to trensad a tlo tort ancel preaWhorized billing artangemaMS, we will corrsder receipt d a charge your aWhoAZatbn to keep Your account open. Adtlitbnelty. your account wNl not be dosed until you pay all amounts you owe us inducting: any trarsactiars you have authorized, finance charges, pest due leas, overlimtt tees, returned payment tees, ash advance fees and any other fees assessed o your account. Vou are responsible fa these arrouMS whether Iruy appear on your account at the time you request to dose the account or they are Intoned subsequent to your request t0 ebse the account. This may resuN in charges appearing on your account aneryou nave requested the account to ba dosed. 7. Using Your Account. Vour card or account aural be used in connection wile any Internet gerMling trarsadlons. 8. Notice About Ekctronk Check Conversion When you provide a Cluck as payment, you aWhortze us egher to use iMOmutlon from your check to make a onetime aectronie fund Iranster from your bank account or to process the payment as a check transaction. When we use iniomtetion tram yow Check to make an eleclronk fund irorster, funds may be wtthdrown Irom your Hank ecttunl as soon as the same day we receive your payment, and You will n01 realve y0af check back from yWrTlllanClal iMItlWion. BILLING RIGHTS SUMMARY (In Case d Errors a queatbrn about Your Bill) A you think your tlll Ls wrong, cr it you need more intnfnatfon on a tansacon or bNl, wMe to us on a separate sheet as soon as possible d the address for irpWries shown on the front d this statement. We must hear from you no later than 60 days sect we sent you the fiat dN on whkh the end or problem appeared. You can call our Custonur Reactors number, but doing so wgl not preserve your rights. in your letter, gNe us the tdlowing Informaton: your name and accarnl nunibef, the dolor amount d the auspeded ertor, a desaplion d the error and an explanation, H possibe, d why you believe there is an eror. a N you need more infomtelion, a da5crlptlon d the Hem you are unsure about. You do rid have t0 pry any amount in question wNN we are imestigatinp N, but you are siNl odigated to pay the paAC d Your Nil that are not M queatbn. While we investigate your queston, we cannot repot you as delaqueM or lake any action to edlect the amount You question. ;, t Special Rub iw CredN Cab Purchases N you nave a pratlem with the quatlry d property or servkes that you purcnasetl wgn a credit card and you have bled in good uHA to coned the probem with the merchant, You may rave the ngnt rid to pay the remaining amount due on the property ar seniaea. Vou have Ibis Drtdaction onry when the Durchase PAte was mare than 550.00 and the Dumhase was made M your horro state a wi1Mn 100 miles d your mailing address. (Ii we own or operate the merchant, or H we malted you the atlvertisameM lathe propeAy or servkes, aN purchases are covered regaMless d amount or location d purchase.) Please remember to sign all oortesponderax. t Does rid aPDry to consumer ntfli/edil cam accounts ; [)oar nor aPPN ro business nonrJedil and accounts Capital One suppms Information privary praedion: see our webstte al syww cadubne tom Capital One h a federolry registered servke mark of Capital One Financial Corporation. All righs reserved. 02006 Capital One TC46 O7 DM6056 - 7 - 04/10rG7 inportmt NOare: PaytrierisYa melbas vA Deae6led byes acmnixdlie trainer day we reoelre i4 pretrial (1)yw red the Eamon peYm d orb ststerred ed yore fired it he erdtaed reMltaia erxlape ad (2) yar penes k recdrad'n w Paceearg cants g7p.m. tT (t2ntm PT). Please orlon atbW SvefS)WSiessdsys la paW ddwry. Payrmns recdvM tryuat sy ohr kayam aF cry carer tam mry rim be aerial ss d ore day we reorire aem.Oa blaawac days re kWday arsuph Sasrday, axdudnN EadsYc fiaase fit fro, use aI;1eF Pw ova, et .I,., pfepama tar paymwa capital - wlrat's fn your wallet? LET'S TALK -WE'RE HERE TO HELP. 500009 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital Ones' we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. C~ 20(IN Capital Onc Servicer, Inc. C,'apitnl One is a frdernlly segrrtned srroite mark. All rigbtt rrtrrved. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,921.79 - $0.00 + $31.65 + $39.00 = $1,992.44 5173.00 Apr. 11, 2008 Feb. 19, 2008 -Mar. 17, 2008 Page 1 of 1 ~ ? PIFASE PAY Al lFAST 7X15 AMOUNT Visa Platinum Account Y'ou re L:ehir~t by two pa}tnan!s. Lacs talk. If you're ha,~rg tinarcial difficudlies and can't make your 4121.7470.44642835 ~AIO HaSSIe minimum raymenf - we wool Ic help. Let's work ta7eiher to find a sOlUlion ;hat WOfk^, tC'SI fof yJU. I.IVe ? 0?G us a :all a11 c3t'~Ci 9`b Your Account Information REWARDS" . . . TOTAL CREDIT LINE 32.000.00 Rewards SURTmarY TOTALAVAILABIFCREDIT 37.56 Previarsavailablebabrx:e 473 CREDIT LINE FOR CASH 32,000.00 Eamed this period: 0 AVAILABLE CREDIT FOR CASH 37.56 (reRaclstransactionspostedduringthisbiargc~cp) Available Balance' 473 Finance Charges (Please see reverse for vnportanl information) Balance rate Periodic Carespondng FINANCE applied to rate APR CHARGE Purchases $1,942.53 0.05819% P 21.24% $:11.65 Cash 50.00 0.06367% P 23.24% 50.00 ANNUAL PERCENTAGE RATE applied this period: 21.24 Q At Your Servke 1.800.9557070 To cal Customer Relations a to report a bst a stobn card Send payments to: Capital One Bk(USA),NA • P.O. Box 10884 • Cherbne, NC 28212-0684 A Send Inquiries to: CapBal Orie P.O. Box 30285 • SaM Lake Oly, UT 84130-0285 For More Information on your Rewards: Visit: ynwv.apitabne.comlpoiMsrewads Cat 100-228-3001 ® Have a question about a charge on your statemeM7 Please refer to the Billing Rights Summary on the back of your statement a visit www caoilalone.com/dsoutes Payments Credits & Adjustments Transactions 1 14 MAR PAST DUE FEE ~'~ Under terms previously disclosed to you, some a all of your Annual Percentage Bales (APRs) have been increased since your account was past due twice in the past 12 biNirg cycles. It yar races have already increased, subsequent delirpuencies extended Hie duration of the irtueased tales. Remember: If we receive your minimum monthly payment on Tune fa 12 consecutive billing gcles, this account will be reviewed fa a possible return to your Non-Introduclay APR. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid Ihis fee in the rulure, we recommend that you allow at least 7 business days fa your minimum payment to reach Capital One. PLEASE RETVRN PORTION BELOW WRH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. CapFtalQy~• I what's in your watlett' 0 4121747044642835 17 1992440054000173002 New Balance Minimum Payment Due Date $1,992.44 $173.00 Apr. 11, 2008 PLEASE PAYAI LFA51 THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA Irlrtlriilllliirrrltll P•0• Box 70eSe4 Charlotte, NC 28272-0884 InLIIrrlrrrlrllrrilnlrllLrrlrrlrlrrlrrlulLilrrLillrrill Account Number: 4121-7470-4464-2835 Please print addressor phone number changes below using due or black ink. Home Phone Ahemare Phone f-mail add~ets 11900786997952481811 MAIL ID NUMBER HOLLY ROBERTSON 2103 nAYFRED LN CANP NILL, PA 37013-5433 nrlllnilllnnnllnrllrlrlnlnlnllnrllrllnunllrln Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How 1o Avoid a Finance Charge. t a. Graoe Period. Vw will have a manimum grace pedod d 25 days wlhoW nuance charge on new W rcheses, new Detente treaters, new spatal purchases and new other charges H you pay ywr idol "New Balance', In 8ttordante with the ImpareM Ndke fa payments bebw, and In time 1a X to be credHed by yow next stalemeM tbsing date. There k ro grace pedod on cash advances and apeclel transfers. In addHion, there b no grata perod on arty IraaaMon H you do nd pay the total "New balance." b. Atcnrirg Finance Charge. Transadbne which are nd sub)ed to a grazer period are asseued nnanee charge t) from the date d the trertsaction w 2} from the date the treaadion k processed fo your AecouM a 3) from the nrst calendar day d the current bluing perod. AddHronalN. H you tla not pay the'New Balance' Irom Me pravbus 6illing pertod in MII, finance Merges eorttlntle to xema b your unpaid baWrxxr umil the unpaid balance K paid in lull. This mearu loaf you may snH owe finance charges. even H yw pay the entire New Balance IMicatetl on the from of your stalamem DY Iha next statement dosing date, but da nd do so for the prevous moron. unpaid finance charges are added to the applicable segment d your Account. T c. Minimum Finance Charge. For each billing period that your account is subject to a finance charge, a mnimum total FlNANCE CHARGE of $0.50 wilt ba imposed. h the idol nnence charge resuNng from the eppHCatbn d your periotlit rate(s) Is lens inert 20.50, v/a wIN sudreet that arraurM tram the 20.50 minimum and the dHlererwe cant be billed to the purchase segment d ywr aaouM. t d. Temporery Radudbn h Flnanp Charge. We reserve the right to not assess any a all finance charges for arty gNen bllgrg Period. 2. Average Dagy Balance pntludb9 tvety Purchases). Fironce charge k telwlatatl try mlHiplyirg the dairy Dalarlce d each segment of your aetamt (e.9•. rash advents. purchase, spatial transfer, and spatial purchase) by the cortesponding dally perbdk rile(s) that has been ptevbusry disclasd to you. At the eM d each day duHrg the billing perbd, wa appry the dairy perlodk rata for Bath aegmeM d ' your accatM to the tleny balarna d earn Segment. Then at the end d the billing period, we add uP cite resuna d these dairy eakuletbne to antve at your periodic 1Mance charge iw sent segment. We add up the racuns from each segment to amble at the Idol peladk nuance charge for ywr account To gd the daft' balance for Bath segment d your accwM, we take Iha bagbning balance fa each segment and add any new Ireruadloa ant arty parodic finance charge cakdated on the previous day's beWrta Ica that segrrenl. We then subtract any payments w credHS posted as d that day that are atlocatetl to ihar segment. This gNea us me separate dairy balance Ica eetn segment d ywr account. However, H yw paid the New Balance shown on ywr pevous stalemeM in full (a H ywr new balance was zero a a eredH arnouM), haw trensactba, whkh pat fo ywr purohase wspedal Wrdulse segments are not added b the daft' balances. We eakulate the avwage daily belew:e by adding all the dairy balances together and dNblrg the sum by the number d me days In the wrtent billing qUe. To takulete your flat nuance charge, mutlipy your average dairy balance by the dairy penodic rate ant by the number d days in the dlHng period. Due to rounding on a daffy basis, there may be a alight valance Danveen torn calcuWibn ant the amount of fnance charge actually assessed. 3. Mnual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as "APR' on the front d Me aiarement. D. Ii the Code P (ouaneny Plrna), L (Oualely LIBOR). C fronted into sDlsbmeM anetn todthe pelod'~ sae(s), the periodic rates ant cortaspoMing ANNUAL PERCEMAGE RATES may vary quanedy and may increase a decrease based on the slated Inekes, as lwra In TM WaH Street Jwmal, pWS the margin prevousy distbsed to you. These changes will be effective on the fiat day d your brlling period covered by your peloek statamem ending b the nantns d Janwry. Apll, July ant October. c. h the code D (MOMhry Prime). F (MOMnry LIBOR), w G (Treasury LIBOR) appears on the from d your slatemeM next to the perbdk rate(s), the pedodk rates and cortespondirg ANNUAL PERCENTAGE RATES may vary monihry and coat' Increase a decrease based on the effaced iMkes, a6 iwM in Tlw Wall Street Journal. pbs the margin previously afscbsed to you. These cnerges will De effective on the fnst day d your fining pelaf aacn mourn. 4. Assessment d Late, Overgrrst and Returned Payment Fees. Your account will he assessed no more than three of the fees gated here that ocwr duing arty fining perod. Under the temp d ywrcustamer agreertwM, we reserve the light b waive w nd to assess arty fees wthout plot notHwatbn to you without waNing our nght to aaaesa the same or sirMWr tees ar a later time. t 5. Renewing Vour Account. H a membership tea appears on the from d your statement, you have 30 days from the Gale this stalemenl was mailed to you to avoid paylrg the lee onto have such fee credHed to you H you rental Your account wHhod having to p.y the merrl6ershiP fee. To cancel your atewM. you must notify us by calling our Customer Relations Department and peY Yau'New Balance' in Lull (exclW Ing the membership lee) prat to the end d the lhirryEay period. 6. If You Cbsa Your Account. Vw can request to dose ywr account by tolling our Custmlw Relaiorn DeparlmeM. Yw must destroy Your credit cam(s) and aetwm access ehecka, cancel all preaulhoriza0 billing and tease using your account. AHw ywr request to close, H yw continue b lrartsact a eo not cancel preauthaized billing artangertlents, we will mailer receipt d a charge your suthodzetlon to keep ywr emwm open. Addinonalry. ywr accoum will not 6e steed until you pay all amounts yw owe rn htdutling: any trensactbns yw have autranzed, nuance charges. peel due tees, overlimtt fees, returned payment tees, Cash advance fees and arty other tees assessed to your account. Yw era respoaible for these emouMa whether they appear m ywr account at the time yw request to cbse the amount or they are Incurted subsequent b ywr request to cbse the acmuM. ThLS may resuH in Merges appeaing on your etcwnt aver you nave requested the aemuM to M deed. 7. Using Your AaouM. Vwr card w account cannot be used in connedlon wnh any Internet gambling irensaclbns. 8. Nolioe About Eleclronk Chalk Convereion Wtxn you provide a check as paYmertt You audlolie us eHher to use Mlommtiaf from your Check to make aorta-time elewonic luntl iranafw from your bank accoum a b process the payranl as a check treaadion. when we use information iron your Check to make en electronic fund irer131er, hinds may be wfnarewn Iran your bank acownt as soon es the same day we rataNe your payraM, and you will not receive your check back Iran your financial iaMUlion. BILLING RIGHTS SUMMARY (In Case d Errors or Oueslbm about Vwr Bilq If you think your hill b Wong, a H you need more IMOnralion a a fransadion a bill, write to us on a separate sheet as soon as possible ar the address for InquMes shown on the front d this statement. We must hear iron you no latw than w days aner we sent you the rirs16i11 on whkh the ertor or DrMlem appeared. Vw can tall our Customer Rdafioa number. but ddng so wen not preserve your Ilghh. In your letter, gwe us the idbwinp inlamatbn: yen name one actwM camber, the filler amount d the sapetted ertor, a description d the ertor and an explanation, H paside, d cant' you believe there is an error. or H you need more IMOmretion, a descnpibn d 1M Hem yw are unsure about. You do nd have b pay any amount in question while we ere Investgatfng H, but you are still obligatetl b pay the parts d Your NN that are not in question. While we invdlgate your question, vac fanlld report you as deHlpuent a take any actbn b cbHett the amount You question. f. t Special Rub for CredH Cam Purchases H you nave a prodem with the quality d property w servces that you purchased wiM a cedes wrtl ant you nave fled in good forth to coned the prodem wnh the merchant, yw may have the lgM not to pay the rerrreining amount tlue on the property a services. You have this Drdectbn Dory when the purchase plce was more than 250.00 and the purchase was made in your home state a wHMn 100 rrtilas of your nailing address. gf we own a operate the merchant, a H we mailed you the advenisemeM fa the properly a services, aN purchases are covered regardless demount a bcalbn d purchase.) Please remember to sign ell oorteepondena. t toes rat appry to consumer noncredit Lard accounts 2 Does cal aPPN b business noncredit taN accounts Capital One supports Mfom>ation plvaty prded'an: see car websHe at NpMW,SiQH8gf18,fAm Capial One is a federolry registered service mans d Captal One Financial Caporenon. All rights reservetl.O2006 Capital One TC119 01 UMfi056 -1 - Odl10g7 Ynpsrunl Plofoz P~,r,.anywmitoaw~bra.dl.dwyar woantnatnewarw~d+rware«i,~4P~11)ra+r,a as baHan paten d Chu smtan«d orb rw filed Yr sK eased remisarwe •eelme and l2) tar nn~ a reod+ed n ar Paxaiq ante M9p.m.ET(72mmPi). Pwseyowattsaaeae(S)mrwasdaysfcrpwWdssaerl'.Paymentsrecdvedbyusnaydwrbcaamcrn airy otlra learn may cwt be credited s d M dry we racdve effort. Ur 6urkaas daysa'e Maaay sraph Saasday, adrdrg hddaia Please do rw ore slgiea, papa dp, arc also PWaiB Ye+r PHA 500016 ~>>> PSSST... Capital One® does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and to manage your account online. Capita! wnar'r r~ you. wawa Previous Balance Payments 8 Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Date $1,992.44 - $700.00 + $24.00 4 $0.00 = $1,316.44 $39.00 May. 12, 2008 Mar. 18, 2008 - Apr. 17, 2008 Page 1 of 1 PLUdE IqY AT LFAST TXI$ AM1IOUNT Visa Platinum Account 4121.7470.44842835 ~/NoHaale Your Account Information REWARDS TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT 3683.56 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $683.56 Finance Charges (Please see reverse for important information) Balance rate Periodic Conespondng FINANCE applied to rate APR CHARGE Purchases $1,468.98 0.05271% P 19.24% $24.00 Cash 30.00 0.05819%P 21.24°•6 3000 ANNUAL PERCENTAGE RATE applied this period: 19.24 A Q At YourServlce 1.900.955.7070 To cal Cusiorrrr Refalbns a b report a bst or sto~n card Send payments to: Capital One Bk(USA),NA • P.O. Rox 70884 • Cherbtte, NC 26272-0884 A Send Inquiries to: Capital Orle• P.O. Box 30285 • Sal Lake Gly, UT BH30-0285 For More Information on your Rewards: ~~ Ust: www.cdpitakne.mmlpoinlSn~LVards Cat 1-000.228.3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www caatakxle.com/dsoutes Rewards Summary Previous available balance: 473 Eamed this period: 0 (retbcts trerlsactions polled during tlxs 6ifng gcle) Available Balance: 473 Payments Credits 8 Adjustments 1 19 MAR PAYMENT ~•~ 2 10 APR PAYMENT $200.00- Whether you're in the market for a home equity loan or you're interested in refinancing, Capital One will find a home ban solution to fn your needs. We offer great rates, no hidden fees, and you will recehre the one-on-0ne attention of the same personal ban constlltanl from caN to close. Visit www.capiWlmehomekxans.com far more informaton. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ONTO WNM/.CAPRALONE.COM TO MAKE YOUR PAYMENT ONNNE. CapitafQ~• I what's in your wallet?• 0 4121747044642835 17 1316440200000039008 New Balance Minimum Payment Due Date $1,316.44 $39.00 May. 12, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ~~ Capital One Bk(U$A),NA 1111111111111111111111 P•0• Box 70884 Charlotte, NC 28272-0884 11111111111111111111111111111111111111111111111111111111111111 Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or bWdc ink. Home Phone AMemate Phone E-mat/address ~ 11901096997952481111 MAIL ID NUMBER MOLLY ROBERTSON 2303 MAYFRED LN CAMP HILL, PA 37033-5433 nlllln1111nnnllu1111111n1n1nl1u111111nunllllu Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. ~- A quick glance at -mil what Capital One can do for you. Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Whether it's braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone.com to learn more! Capital One Bank (USA), N.A., Capital One, N.A., Members FDIC. art n 1. Now to AvofO a Fhanw Charge. t a. Grate Period. You will have a minimum grace perod a 25 days wNtaul finance charge on new purchases. new belarae trensiers, new apedal purchases and new dher tharyes N You pay yourtdal "New Balarae", In atcoManw wNn the Important Ndks fa IyaymeMS bebw. and in grre Ia N to ba aedhed by you next statement tbsing date. There fs no grew period on cash advances ant spatial trenaters. In addnitn, Ifwre is ra grace period on any transaction tt you do nd pay the tdal'New balarae" b. Acdlrhg Fhanoe Charge. Transactions wTkh are rat sutryecl fo a grew perod ere assessed finanw charge 1) from the date a the tronsaclbn a 2) from the date the trettsactbn Is processed a your Account or J) from the first wrendar day o1 the current Mlling periotl. AddNbnally, N yW did rill pay the'TJew Balance" from the previous blNrtg period h tuN, finance charges wMinue fo accrue to your Unpaid baWnca trmll the Unpaid balance is paW h fuU. This macro chef you may sfiil owe finarae charges. even H you pay the entire New Balance indiwtad on the /roM a your aretemeM Dy the next stalemaM closing date, but tli0 rat do so lathe prevkxn month. Unpaid finance charges are added to the applkaNe segment a your Account. t c. Mhknum Finance Charge. For each bllNrq period that you account is suDJecl to a finance charge, a minimum total FINANCE CHARGE of 50.50 will be imposed. It the feel finance charge resuNing from the applkation a your perkdk rate(s) Is less than 50.50, we will subtract that amount from the 50.50 minimum end the dMerenw will De billed to the purchase segment a you account. t a. Temporary Radudfon h Finance Charga.We reserve the ngM to not assess arty or all finance charges for any gNen d8irp perod. 2. Average DaNy Balance (Including New Purchases). Finerce charge k cakuretatl by muNlprying the defy balance purchase. spatial transta, ant apecrel Wrenasa) try the cortesponding dairy periodic rate(s) that has been PrevbusN discbaed to you. At the end a each day during the tiling period, we apply the dally perbtlk rote fa each segment a your account to me daty haunts a earn segment Then at the end a the DIHMg period, we add up the reruns o1 these dairy calwlallone to aMVe at your penodk Tinanw charge rot each segment We add up the results from each segment to artlve at the total periodk fmame charge for your aewunl. To get the daffy Dalanw for each segment a your amount, we take the beginnMg balance to exh segment and add any haw traroaelloro and any periodic finance charge wkulated on 1M previous day's balance fa that segment. we roan suMred any peYrneras a eradNS posted as a that day foal ere alkratetl b Thal segment TNiE gives us the separate daffy Wlsrae fa each cegmeM d your account. Fbsvevar, H you geld the New Balance shown on your previous atatemeM h full (a H your new balenw was zero a a credX amount) haw uanactbre, which pwt to your purohaee a special purchase segments are not added to the dairy balances. We wkulale the average dally balance by adding all the defy balances together and tlivbing the sum by the number a the days In trw curtest billing cycle. To cakurete your trial gnance Marge, munipry your average dairy balanw by the dairy penodk rate ant by the number o1 days In the Nlling period. Due to rounding on a daily balls. there may be a sfight varianw between nth wlcuWtion eM the amount a firanw charge adualry assessed. 3. Annual Perwnlage Rates (APR). a. The term "Annual Percentage Rete" may appear as "APR" on the front a this sutemeM 6. II the Code P (GUaneny Pnme), L (OUaneny LIBOR), C (OUanerry CD), a 5 (BankwM Prime) appears an me front a this slatemeM next to the perbdk rete(s). the periodk tales and eortesponding ANNUAL PERCENTAGE RATES rtlay vary quanelry and may irare85e d decrease based On the Elated iMkes, ea found In Ths Wall Street Journal, pus the margin prevousry disclosed to you. These changes wNl DB eHedive on the first day O1 your blllhg perb0 covered by your periotlk statement ending In the monlAV of January, April, Jury and October. C. If the Cade D (fvloMhly Pnme~ F (MOMhty LIBOR), a G (Treasury LIBOR) appears on the frail a your statement next fo the perbdk rate(s). the periodk rates and conespoMlrg ANNUAL PERCENTAGE RATES may vary rtanlhry and may Increase a decrease based on the staled Indices, as found in The Wall Street Joumat pN» the margin previously tlisclwee ro you. These Changes will be ettectiva on the firer day a your billing period each month. 4. Assessment d Late. Overgrrsl ant Returned Payment Fees. Your account will b0 assasced no more than three of the fees listed here Ihaf sear during any billing period. Under the terms a Your customer agreement, we reserve the right fo waive a not to assess any lees wHtaul prior ndrckalbn to you wNnoul waiving our ngM to assess the same a Slmllal tees e> a later time. t 5. Renewing Your AcoouM. H a mrNrlberehlp Ise appears on the from a your statement, you nave 30 days from the date Nis 61a1eR18111 was mailed to you to avdd paykg the fee a to have such tea credaetl to You H you wheel Your account wNhoul having to pay the men~oerehlp tee. To cancel your etwunt, you mull no1HY us by wiling our Customer ReWtlons DepanmeM ant pay Your "New Balanw' in fu8 (excluding the memberehip fee) prbr 1o the end a the mlrry~day period. 8. It You Cbse Your AmWnt Vou wn request to dose your account by calling our Carteret Reletfrxys Depanment. You must destroy your credN wM(s) and account access cheeks. wnCel all preauthorized dlUng and wale using your account. Afia your request to dose, H you caHlnw to treread a do not cancel preaultarized billing artangenieMS, we will consWer recelpl a a charge your aNhonzatan fo keep your account open. AddNianelty, your account wiN na ba dwell until you pay ell amounts you owe ua Including: arty transadrore you have aNhonzed, finanw charges. past due lees, ovenimH tees. returned payment lees. Cash ewanw fees and any other fees assessed to your account You ere resporelble fa these amounts whelhar they appear on your account at the time you request to case the aCCOrlnt a they are InCUrtetl subsequent 1o your request to close the account. This may resuN in charges appearing on your account agar you have requested the amount to 6e elwed. 7. Ushg Your Account. Your wM or account wnrot De used in wnnedion wah any IMemet gambling lrereadions. 8. Notke About Electronk Check Converabn When you provke a check u payment. You aullanze us eHher to use hlomrtbn from your dreck to make a orw-time elecuonie fund transfer from your Dank account a to process the peyrreM as a check transaction. When vaa use infomtefion from Your check to rtmke an eleetronk fund transfer, funds may he wNhdrewn Irom your bank account as soon as the same day wa receNe your payment, and you wiu rat receive Your cheek back from yourTiruneWl InalNaion. BILLING RIGHTS SUMMARY (In Case a Ertors a Oueations shoe Vour Bilp Ii you think your bill Is wrong, a H you head more iMOmulion on a tranaacicn a biU, wma to us on a separate sheet as soon as possible at the address for inquiries shown on the front d this slatemanl. We must near from you ra later than 80 days aver we sent you the fast bill on which the erta a prablern appeared. You wn call our Customer ReWtions ntarber, but ddng so Nall rat preserve You ngnts. In Your letter. give us the ldbwfng iMamatbn: your nacre ant accaxd number, the dollar arrount a the suspected error, a descriplkn a the eror arW an explanation. tt possible. a why you believe there b an error, a rc you need hare inlortnelion, a desatpgon a the Nam you era unsure about. You do M have to pay any amount h questbn while we are imestigetirg N, Dui you are atiN drligmed to pay the pans a your NII that are not In grreslbn. WNIe we irnestigale your gtaystbn, we wnnd repon you as delirpueM a take any action to tolled the anauM you gtaystbn. t, f Special Rule /or CredN Card Purchases H you have a Drdxem wtth the quality a property or services Thal you purcheaetl with a aetltt card and you have tried in good lash to sorted the prdxem wnh the merohaM, you may nave the nghl not to pay the rertiahing amount due on the progeny a servces. Vou have this Protadkn onry when the Durchase Pdw was more than E50.00 and foe purthue was made in your horre stale awNNn 100 miles d your mailing address. gf we own or operate the merchant, a H wa moiled you the advenisemeM for the progeny a services, eft Wrchases are covered regartlless a amount a btatbn a Durchase.)Please remember to sign all cortasprxaerae. t boas rat aDPry to conaurrer nonraedtt card amounts = Lees rid apply to business non-credH cartl accounts CapNal Ow supports kdorrrefion privacy preaectbn: see our websNe at bpppyf~11a1Pggf9ID. Capital one Is a fedaalry regletered service mark a Caprcal One Financial Corpaatbn. All rights reserved. 02008 Capital One TC-08 01 DM8058 - 1 - O4/10/07 knpmant lMfre: Pgmassya mat sus ni beaedeedwyav octant aadhbaas day we retekr k. poMM(1)you sand are hanan pofm d the stalarwd ant Yta dtadi n Na eridoaad remltlaxa enrdape and (?) yav payrnatt ierowNed'n ou RacesiB.znta ry0p.m. Ef (t2 noon PT) Rene alowatlea me(s)laars Gaye fn wrt+Iddwy.P>ymnrs r.ah.a by ur at dry shat wcaw,ah airy osxr tam may rid oe aeMed as d sreday we redw Nwm.Ov dares days re t4aMry 9rtufn Saerday, sdtang taadrys. Pbax do not usesla{iw, pp> rips, etc rlhm R~9 YOr PYm~ 6.28% APR" "~ (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for aFixed-Rate Mortgage, and most of your options will have a similar rate. But here are some of the ways that Capital One' Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2493 orvisitwWW.capitalonehomeloans.com Mon.-Fri. Sam-Bpm; Sat. 10am-fpm EST Reservation Number: 5058 042 026 9093 Advertised ;umual irrumage rare is elricrisc a of 03/24/2008 and subject ro ~han(,z a aoy time. AI'R is bavxl un grxnl cralit 6urury, $203,280 loan anurunc, SONo wmbincJ ,loan-m-value ntin xnd a 30-year fixrd-rnc first-lien mortgage. Monthly paymrnt fix this example u 51,256. Additional terms and resvimnns apply. EOWI XWLN6 Capital Onc is an Fapul Housing Irndcr. Sec reverse Lnr addirinnal impnnxnr in(nnnarion. CA ~- LENDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation Home Lwnr FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,316.44 - $50.00 + $20.69 + $0.00 = $1,287.13 $38.00 Jun. 11, 2008 Apr. 18, 2008 -May. 17, 2008 Page 1 of 1 „ _ r d •., • nk ^'~,~ Visa Platinum Account 4121.7470.4464.2835 _i~~~~ J Your Account Information ~ .• REWARDS TOTAL REVOLVING CREDIT LINE $2,000.00 TOTAL AVAILABLE REVOLVING CREDIT $712.87 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $712.87 Rewards Summarv Previous available balance: 473 Earned this perbd: 0 (relhcls veraactior~s posted during this hiing cycle) Available Balance: 473 Payments Credits 8 Adjustments t 07 MAY PAYMENT `~ ~ Finance Charges (Please see reverse for important information) whether you're in the market Tor a home equity loan or yai re interested in refinancing, Capital One will find a Balance tale Periodic Conesponding FINANCE home ban sdution to fit your needs. we offer great rates, no hidden tees, and ya will receive the one~on•one applied to rate APR CHARGE attention of the same personal ban consultant from call to close. Visit wvnr.capitalanehomebans.com for mwe Purchases $1,308.17 0.05271% P 19.24% $20.89 iniormatbn Cash $0.00 0.05819% P 21.24% gD.00 . ANNUAL PERCENTAGE RATE applied this period: 19.24% Q At Your Service 1-800,9557070 To cal Ostomer Ltdatiens or b report a bsi a stohn ard Send payments to: Capital One Bk(USA),NA • P.O. Bolt 70884 • Charbtte, NC 28212-0881 A Send Inquiries to: Capital One• P.O. Box 30285 • Sap LaMa Ory, UT 84130-0285 For More Information on your Rewards: Visit w,vw.eapilahne.oomlpointsrewerds Cat t-800.228-3001 ® Have a question about a charge on your statement? Please refer to the 8illiry Rights Summary on the back of your statement a visit vvrAw acxtalone cc+n!1rTis9utes PLEASE RETURN PORTION BELOW WRH PAVMErlT OR LOG ONTO V.NVW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4121747044642835 17 1287130050000038002 Capitah~tle~ ~ wham In your waRetl• New Balance Minimum Payment Due Date $1,287.13 $38.00 Jun. 11, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed C~ Capital One Bk<USA),NA IrlrrlrrrllrilrrrrllLi P.0• Box 70884 Charlotte, NC 28272-0884 Inirllnlnrirlinrlnlrlllnrlnldnlnlnllnlnlnllnrll Account Number: 4121-7470-4464-2835 Please pdnt address or phone number changes below using blue or black ink. Home Phone Ahemare Phone E-mat/address N9013969979524818>y MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYfRED LN CAMP HILL, PA 170Y1-5433 urlilnJllnunllnriir~rluininllur~lriinnullrln Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail wfth this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $140 per month? t IgWCr average mooch ly paymen[ claim based on first month's payment on non-purchase loans, exclusive of closing vests, [hat dosed betwttn 07/01!07 and 72!31/!07. Attual lower paymen[ may vary•.'1Sking out a home equity loan or line of credit may increase the cowl amoun[ paid when compved [o your currcn[ si[uaeion. In some cases. refinancing eo pay off ezis[ing debt may extend the term of the debt possibly resul[ing in higher overall costs and increasing [he cowl amount paid when compared to your CUrren( {I[Wnlrnn. Of}er in[ended for qualified appliennrs only. Nor all loan products nr mans arc available in all sta[es.'fhe ac[ual dosing times mayvary based upon [he swce in which the property is IoeateJ. Igans subjen m ucdit. approval. phis dues not rgnaen[ an olTer to enter into a loan agreement. !fates and terms subjen to change widx>ut notice. produrn and rrrvirrr aged by Capital Ouc Hanr /near, /./.C. Cd 2008 Capim! Orn. (apiml Unc it a fednal[y regirrerrd xrvire mark. A/l rig/i:r rrnrved. Home Equity Loans ~ Mortgages ~ Refinancing ~ Debt Consolidation t. How to Avoid a Fbance Charge. T a. Grote Period Vou very! have a minimum grace Period d 25 tlays wnhoW finance charge on new purchases, new balance Irertsfera, new special Wrcheses and new fiber charges H you pay your trial "New Balance", in aetordance with the Important Ndke for payments below, and in gtrle f« N to be credited by your next statement closing date. There k rio grace period on cash advances ant special Iransters. In addition, there is rw grace perod on any vansadion n you do rat pay me 1o1a1 `New Delanra" b. Accruing Finance Charge. Transactions which are not subject to a gace perod are assessed Ilnance charge 1) from the date of the transaction «2) tram the date IDs Irensadbn is Processed to yW r Account or 3)lrom the first talendaf day of the cunent billing period. Additionally, n you fib rid pay foe "New 801ante° from 1ne previous billing period in NII, finance charges continue to accrue to your tnpaid balance until the unpaid balance is paid in full. This meats that you may still owe finance Charges, even n you Day the entire New Balance irwicated on the 1roM d your atalemeM by the neat s7alerreM Uosirg date, 6u1 did not do so 1« the prevous month. Unpaid gnerwe charges are added to the applicable segment of your Ateounl. t c. Mhmum Finance Charge. For Bath biNing period that your ecccuM is subject fo a finarroe charge, a minimum total FlNANCE CHARGE d E0.50 will be imposetl. H the tolai finance Charge resuHing from the application dyour perodk tale(s) f6 leas than E0.50, we will sudrect !het amount tram the 50.50 minimum and the dHlerenee will ce dllsd b the purchase segment d your acceunt t d. Terrporory Redudbn b Finance Charge.We reserve the right to red assess any or all finance charges f« any given Wliinq period. 2. Average Deity Balance (Including New Purchases} Finance therye h calculeled Dy muniptying the dairy balance d each segment of your eccounl (a.g., cash advance. purchase, special tronster, and special purchase) Dy the conesponding deity perodk rate(s) that has been previousry distloced to you. At the eM d each day during the billing period, wa appy the dairy perodk rate Ia exit segment d your account to the tlalry balance d earn segment. Then at the end d the billing perod, we add up the reruns d these daNy cekulatiats to amve at your perlodk finance Charge for each segment. Wa add up the results Irom each segment to anwe at the trial perfodk finance charge for your account To get the dairy Wrence f« each segment d your account. we take the beginning balance fa Bath segment ant add any new ironcaUbns end any periodic finance charge cekulaled on the previous day's balance for Met segment. We then sublroct any payments «credns posted es d that say that ere albcelad to roar segment. This gives us the separate dally 6ebnce 1« each Segment d your account. However. H you paid the New Balance shown on youf prevksus statement in NII (« H your new balance was zero « a credH amount), new lrertsaUiona, which post to your purctase «spadal purchase segments are not added to the dairy belandes. We calculate ins average dairy balance by adding ell the daily 6aWnces together and tlivbing me sum b1' the nurtEer d the days In ins cunent billing cycle. To calculate your total finance Charge, munipty your average dairy baance by the dairy periodk rete and by the number d days in the filling period. Due fo rounding on a tlaity basis, there may be a slight variance between This cekuWtkn and the artaunt of finance charge actuaity assessed. 3. Mnual Percentage Rates (APR). a. The term "Moue! Percentage Rate" may appear as "APR" on the 1ron1 d this statement. D. If Ina code P (OUaneriy Prime), L (Ouaneriy LIBOR} C (OuariMy CD} «S (Bankcerd Prime) appears an the front of this statement nlexl to Ina periodk rate(s), the periodic refer and corresponding ANNUAL PERCENTAGE RATES may very quaneHy and may Increase «decrease based on the slated Indices, as found in The Wall Street Journal, plus the margin previously distbsed to you. These changes wiry be effective on the first day of your billing period covered by your parbdk statement erwing In the months o1 January. April, July one Oclabar. c. H the cotle D (MOMhty Prime), F (Monthly LIBOR), a G (treasury LIBOR) appears on me front d your statement next to the perfodk ace(s), the periodk tales and certespoMing ANNUAL PERCENTAGE RATES may vary naMhly and may increase «de«ease based on the staled indkas, as found in TM Wall Street Journal, plus its margin previousty distbsetl to you. These changes will be ettedwe on the gal day d year tiling period each namh. 4. Assessment d Late. OverlimH ant Retained Payment Fees Vour account will be assessed no atone Ihen three d the tees listed here that occur during arty Nlfing period. Under the terms d your customer agreement, we reserve the right to wawa «not to assess airy lees wiltaN ptfor nolHkatbn to you without waMng our right to aaseas the same «seM4r leas at a later time. { 5. Renewkq Your Account. It a membesnip tea appears on Ina front d yW r Srelertenl, You nave 30 days Irom the date This srefemenl was malted to you to avob paying the ice «ID have such fee Credited to yW n you cenoel yOUr account wnhoul having to pay the membership fee. To centcel your account, you nest nMiry us by rolling our Customer Relatbm DepanmeM and pay your "New Balance' in fuX (excluding the mrarlbership fee) poor fo the end d the Nirrydey period. 6. If You Cbse Your Amount. Vou pit request to cbse your account by railing ow Customer Relations Department. You narst destroy your credN card(s) and account access checks, cancel all preaultwdzad billing ant cease using your acwunt. Alter your request to close, n you continue to Transact «do not cancel preauthanzed billing artangements, we will tomider receipt d a charge your authorization to keep your accoum open. Addnionairy, your account will rid be dceed until you pay all amounts you owe us intludng: arty transadioro You have authorized, finance Uuarges, past due tees, ovariimH tees. retained payment fees, cash advance tees and arty other fees assessed to your amquM. You are resrxxtside for these amounts whether they appear on your amoum at the time You request 1o close me am«rnl «they ere incurred subsequent to your request to Ucee the account. Thh may rerun In Margea appearing on youramauM agar you have requested the atcoum to be doses. 7. Using Your Account. Your card or account cannot be used In connection won any Internet gambling Vartsadbna. 8. Notke About Electronk Ctwek Conversion When you provide a check as payment, you aulhonze us either to use Information from your clwck to make a one-time eleUronk fund transfer from your bank account «to process the payment as a cheUr fransactbn. When we use iMOrmation from your chxk to make an etedronk fund transfer, Nods may be withdrawn Irom yea bank account as soon as the same day we receive your payment, and you will not receive your cheek back Irom your financial inslHUlion. BILLING RIGHTS SUMMARY (In Case d Enore «Ouestiorts about Vour 8iN) tt you think your WII b wrong, or it you neetl more iMOmatbn on a IransaUlon or bNl, wine to us on a separate sheet as soon as possible at the address f« inquiries shown on the 1roM d this stafemeM. We must hear from you no later than 60 days attar we sent you the first bill on whkh the ert« or problem appeared. You cen tall our Cuelomer Relafioro number, 6ul doing so will not preserve your rights. In your letter, gNe us the ldlowing information: your name and account number, the dollar amoun! d the suspected anon, a descripfbn d the anon and an explanatbn, N posside, d way You believe there b an error. «H you need more iMOrtrotbn, a des«ipgon d ins item you are unsure eboN. YW do acct have to pay arty amount in question wMle we ate imastigaling n, but you ere siNl obligated to pay ins parts d your bill that are not in gtreatbn. Whit we Imeatigate your gtresfbn, we cennot report you es delinquent «fake any action to collect the amount You queston. 2, t Special Rule for CredH Cana Purchases 1f you have a problem wlm the qualHy d property or services that you purchased wtlh a credo card arW you have tried In gootl faith to toned the probem with the merchant, you may have the right not to pay the remeMing amount due on the property « services. You have this prdectbn «+N when the purchase pate was more than 550.00 and the purchase was made in your home slate «wHMn 100 miles of your mailing adtlress. gf we own or operate the merchant «M sve mailed you Ina adverihemeM 1« rye property «~ervices, all purchases are covered regardless d amount «locelbn d purchase.) Please remember to sign all c«respontlence. } Does not appy to consumer nontredH card accounts 3 Does not apply b business nomcredil card accoums Capital One supports information privacy prdection: see our CaDHeI One is a federalN registered service meek d Capital One FinanUal Corp«agon. NI rights reserved.02005 Capital One Tcve otoMgose - 7 -anoro7 YnpManl Notice: Payriwss ya and s us vA W aedted byaa aawd as d rid bu9nas day we racak'e k Pa+ided (1) yw send ~~ bollaai Paaui d ale Nlanad and yar dredr h the aidaad radeaxa andoPe and (2} you paymrs'a reodred'n ar praz rig omla M 3 p.m. ET (7T rom PT). Ptwe aloe al Isom Ne(5) brae drys W pats daMry. Paymsb reaNed M a st nY osbr brasm a h any Darr kern may rw tM aedNM n d rte ay we retinue awn. Ov w:eac daysae Mindy araa~ Ssrdry, «duep nddays. Please do not use stalls. papa dpa, ek. ohm peparlrq yea payment 500008 Capital - It could happen to anyone. Make sure you pay the amount what's rn your wallet? due on your statement as soon as possible. MOLLY ROBERTSON wHOOps! Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) Waiting on your tax stimulus check~nd looking for a smart way to use it? Pay off your debt and help bring your Capital One account bade to good standing. ©1008 Capital Onr ,Serviees, /nr. Capita[ One it a federally registered servirr mark. All rigLa remrvrd FINANCE Previous Balanee Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,287.13 - $0.00 + $21.34 + $39.00 = $1,347.47 $111.00 Jul. 12, 2008 May. 18, 2008 - Jun. 17, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.4464.2835 /NoHassle Your Account Information ~ REWARDS TOTAL REVOLVING CREDIT LINE $2,000.00 TOTAL AVAILABLE REVOLVING CREDIT $652.53 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $652.53 Grrair Gay a7 LFaST THE aMCUtJT You're hehird try aTe (wyment. Rerneml>zr That paying the minimum paymen! by the due date kips your account current. So mak=.~ sure ycw send in the minimum p3ymer:; io keep yar a•xani current. "Important Notice" Under the terms we previously disclosed to you, your account is now eligble f« an increase in Annrlal Percentage Rates (APRs) effective immediatety. However, Capital One has elected not to raise your APRs at this time. Please be aMised (hat if you fail to keep your account in good standirg, Capital One reserves the right to raise your APRs in the future. Rewards Summary Previous available balance: 473 Earned this period: 0 (reBects lransacGans paced during tlis dung cicle) Available Balance 473 FlnanCe Charges (Please see reverse fa important information) Balance vale Periodk Corresponding FINANCE applied to rate APR CHARGE Purchases $1,306.18 0.05271%P 19.24% $21.34 Cash 50.00 0.05819% P 21.24% 50.00 ANNUAL PERCENTAGE RATE applied this period: 19.24% Payments. Credits 8 Adjustments Q At Your Service 1.900.955-7070 r ransacuons c To cal Orsbmer Re6lims «b report a bsi «sbbn ard 1 11 JUN PAST DUE FEE $39.00 ® Send payments to: Yau were assessed a past due fee because your minimum payment was not received by the ~e dale. To Capital One Bk(USA),NA • P.O. Box 70884 • Cherbtte, NC 28272-0884 avoid this fee in the (inure, we recommend fhal you albw al (east 7 business days f« your minimum payment to reach Capital One. A Send Inquiries to: Capital One P.O. Box 30285 • Satl Lake Oly, UT 84130-0285 For More Information on your Rewards: Visit Nwa.captabre.ampointsrewerds Cat 1-800.2283W1 ® Have a questbn about a charge on your statement? Please refer to the Rifling Rights Summary on the back of your statement «visit www.p[vtalone.cOm/disoufes PLEASE RETURN PORTION BELOW Wrrti PAYMEPIT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONUNE. Capjtd~a'1e' I what's in your wallet?' 0 4121747044642835 17 1347470050000111000 New Balance Minimum Payment Due Date $1,347.47 $111.00 Jul. 12, 2008 PLEASE I'AYAl ttA51 THIS APAOUNT Amount Enclosed Capital One Bk(USA),NA Irlrrlrrrlllrlrrrlrrll P.O. Box 70664 Charlotte, NC 28272-OE84 IrrlrlLrlndtlLrrLJIIIIrnLrIIIrJNIrJIrJrrlnlLnll Account Number: 41 Z 1-7470-4464-2835 Please print address or phone number changes bebw using blue or bWCk ink. Address Home Phone A/remate Phone f-mailaddress @ 11901706997952481311 MAIL ID NUMBER HOLLY ROBERTSON 2103 nAYrftED LN CAI1P HSLL, PA 17033-5433 rrrllLnlllrrrlrJlnJLIrINIrr6rlLrrllrllnnnllllrr Please wrfte your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. t. How to Avoid a Fhence Charge. a.Grate Period. Vou will have a rrininwm grace period o1 25 days wNhoul finance charge on new purchases, new balence tnrtsters, new special purchases and new omer charges H you pay yourtolel "New Balance', in aecordattce wNh fife Important Ndke fa payments bebw, and in srre to M b be tredHed by your payment due date. There K no grace period on cash advances ant apeclel irertsiers. In atltlHbn, there k no grace period on arty transaaim H you do not pay the idol "New 8afartce." b. Atauing Finance Charge. Transaalorts which are rat sub)ad to a grece period are assessed finance tMrge 1) from the dale of the Iransaaion or 2) /rom the dale iM lrerueclion is Rocessed to your Account a 3) Irom the first calendar day d iM tartans filling period. Additionaly. H you did not pay the "New Balance" from the prevous billing period in full, finance CMrges mminue to acwe fo your unpaid balenta until the unpaid balance Is paid in full. Thh means that you may still owe OnancB Charges, even H you pay the entire New Balance indicated on the front d your statement by the payment due date, bN file not do so for the previous nanth. Unpaid finance charges are added to the applicable segmem M your Account. c. Minimum Finance Charge. Fa Bath billing period that your aCmunl b auh(ec11o a finance charge, a minimum total FINANCE CHARGE of E0.50 wiN be Imposed. d. Temporary Reduaim b Fbance Charges. We reserve fM right fo rid assess any or all fnanu tMrgas for any given hlllirg perod. 2. Average Daiy Balance Qnauding New Purchases). Finance charge h takuleted by muHfptyirg tM daiy balance of cash segment d your account (e.g., sash advance, purchase, special transfer, and speclel purchase) by tM tom8ponding dairy periodk role(s) that has been prevbusy disebsed to you. At the eM d each day during 1M dNring period, we appy the tlalry perbdk rate for each segment d your acmunl to IM dairy balance d each segment. 7Mn at tM end d 1M Nliing period, we add up iM results d these dally cakulatbns to aMve at your periodk finance charge for each cegmeM. We add up the results from each segmem to arrive at tM idel periodic Tnartce cMrge lorywr account. To gat iM daiy balance for each segment a your account, we lake iM beginning belenee to each segment ant add arty new trensaaioro antl arty perbdk finance charge cakulatetl on 1M Drevious day's balenCe for trot segrtant. We than subhaa any paymenh or Credits posted as M that tlay 1Mt are albcaled to Ihet segment. The gives us 1M separate defy Wlance for enM segment a you amount. However, H you paid the Naw Balance shown on your previous slatemeM in full (a H your new balance was zero a a cretlH amount), new iransaalons, whkh past 1o your purchase or special purchase segments are not added to 1M daiy 6aunces. We cakulete 1M average daiy balerxe by adding all the daiy balenees together an0 dNiding the sum by 1M number of 1M days In the current billing cyde. To cekulate yWrtolal fnance cMrye, rruHipy your average daiy balance by 1M catty periodic rate and by the number d days in tM filling period. Due to rountling on a dairy basis a due b minimum fnarae Charge assessment, there may be a variance between this cakuletbn ant iM amount d finance charge eaualty assessed. 3. Mnual Percentage Rates (APR). a. The tens "Mnucl Percentage Rate" may appear as "APR" a1 the front a this statement. b. 11 the code P (OUaneriy Prime), L (a,arieriy LIBOR). C (OUaneriy CD), or S (BankGaro Prime) appears on the front of this sWlement next to the periodic rete(s), IM periodk rates and CorrespoMing ANNUAL PERCENTAGE RATES may vary quavery ant may Increase or deaaa5e based on the staled Intlkes, as fount in TM WaN Street JWmal, plus the margin prevbusN discbaed to you. These changes will be eHeelive on the first day o1 your billing period covered by your perbdk statement ending in the months of January. AprN, July and October. c. N the code D (MOMhy Prime), F (MOMhy LIBOR), a G (Treasury LIBOR) appears on the front a your statement next to the periodk rale(st Ina pedodk fates and corresponding ANNUAL PERCENTAGE RATES may very mouthy and may Intrla86 a decrease based On iM Stated indices, as /ound In TM Wall Street Journal, plus the margin previousry discbsed to You• These charges will M eileCtive at the Tirst tlay a your bilGrg perod seat monln. <. bseaamenl of Late, Overamil and Resumed PaymaM Fees. Under the lama d Your Cuatorrter agreemertt we reserve 1M right to waNe a riot a assess arty fees wdhouf prior notHaation to you wnMUl waiving our right to assess the same a similar fees at a ktar lima. 5. Membership Fee and Renewing Vour Aaoount I1 a membershp tee appears m this statement, wa will credo the lee if you request to close your account wnhk 30 days d the mailing d Nis statement. You may mMinue fo use 1M account during 1M JO day period before your request. II you do not pay all charges owed on this account wNh In 90 days, a H you use your credit taro or amount anar you request to thee, any membership fee prevbusy waived may ba reinstated to your accoum, 8. Cbakg or Suspending Your Atcounl. Vou may request Thal your account M closed by telling awmirg our Customer Relations Department. At the lime d your request we will Drovide you with addNbnal details on cbsirg your account. Thk may include payment iMOrtnation. It you use your credit card a charges post to your amWM aHer you ask us to apse your account, we tan keep your account open a reopen H. We may close orsuspend your acmunf and your right to oMaln trades. We may do this at any lime antl for any reason, even N you are not k delauH. A suspension d your account cart be pemanent a tenWaary. I1 your account h closed or suspended, You must stop using your detln cant end account. You meal also cancel aN preaulhorized billing arrangements to iM accaml. Wa Wla not do this for you. H we close or pemanentry suspend your aCCCUnt. you muss also destroy alt trades cards and account aocass checks. Vou must still pay all amounts you owe us on 1M aemuM, even H they were charged after your account Is closed a suspended. 7. Making Paymema. Payments you maN to us will M defined to your aCCOUnI as d the business day we receive N, provided (t) you send 1M boHan ponbn d iMs slatemaM and your cheek in tM enclosed remilterke envebpe ant (2) your payment u received In our processing center by 3pm ET (12 noon PT) Please avow at least flue (5) business days for postal delivery. Payments receNetl tN us at arty aher bcafion or in any fiber lam may rid M credNed as d the day we receNe them Our business days are Monday Ihrougn 8. Nake AOOW Eleclronk Check Comrersbn. When you provbe a ttteck as payment. You atnMrize ua either to use IMomvtion tram your check tO Rtake a one-lime elearonie fund transfer from your deposes account a to process the payment x a check lransaClian. Wlten we use informatbn from your check to make an electronic fund iransler, lurds may be wilhdravm from your deposes atcalnl as soon as the same day we receive your payment, end you wa not receive your check Dark from your financial institution. YOUr aMhonzation is rat limited by the dale on the Check. We may resubnxt and eleClronicelty miles relumetl payrnems. 9. Baniwpicy. It you are entitled to bankruptcy Drotedbrts to your account, this mmmunkagon le onry for iMOrR6ttonal pUfpOSBS. It la rat an attempt 10 collect 85S8sa a retOVef a dent or claim Do rat serW arty Daytnents direary to us wnhoul speaking with your benkmDity attorney a ine Bankruptcy DOUn. If yW went 1o contad Us shad yWr amount a your bankruptcy proceeding. please have your aHOmeY mmaa us. t81LUNG RIGHTS SUMMARY Qn Casa d Errors or oueatiore about Vour Bilq H you think Your fill la wrong, a H you need more IMormation on a trartsaabn a NII, unite 1o us on a separate sheet as soon as possible at the address for Irquines dawn m the bees d this statement. We nest Mar lran you no later then 60 days after we sent you IM first bill on whkh iM ertor a problem appeared. You can call our Customer Relatbre number or natty us by email or websHe, but ddrg w west rat preserve your fights. In your IeHer, give us tM following intamatbn: yow name orb aceWnt numbet 1M ddler amount o11M suspectetl error, a description d 1M aria and an explenalbn, H possida, 01 why you believe there le an error, a H you need more Inlarratbn, a deseripton d 1M Hem you are unsure about. You do rat Mve fo paY any amount k question while we are investigating iL but you are still obligated to pay 1M parts d your bill that are not In question. While 1ve Investigate your question, We canna report you es delirtqueM or take any action 10 cdsd tM anauM you question. t Special Rule to CredH Cab Purchases It you Mve a problem with 1M quality d property a services iMl you purchased wHh a credo cant and you have tried in good faith to coned 1M probem with the merchant, you may have 1M right not to pay 1M remaining amoum due on IM property a servkes. Vou Mva this praeabn sty when 1M purchase Price was more than 550.00 and 1M Wrthase was made in your home state a wHMn 100 miles of your rraikng etldress. g1 we own or operate tM merchant, a H we mailed you IM adverihemeM fa the property a servkes, all Wrchases are Covered regarolesa d amount a locetbn d purchase.) Please rerrmrrtbar to sign all cortespondence. } toes rid apDy to business accounts Capital One supports Intonation privacy praeclbm see our websM at mE0N.L8DtlaIPIIC,cQm CapMl one Is a 1BtlM8ly registered service mark of Capital One Financial Carporalbn. All rights reserved.02008 Capital One tnpalattNotlae: Paymaxs ya malbatril be aedted myar acmnt as of tie hradrku day we reoehe H, Rwidad (1)yau aeNM tpMfn palm d ate aahnent ant you dad h ate atdsaed renAlaioe tnvaltga aN (2) you PM~s b reoaive0 h w RoteaeYV tartar by a p.m. Er (tz ntm l~r). I'bae abw a least ave(5) da:~am aye w POwI aea.e~'. Parmens raoanw g as a ay ova knee„ a n sty Data tam mry rwt be credited as d ik day wP recdre a1en.0U ddIMS days ore Madry arwgl SsVdry, exdrdrg haWays. Pbare do nor use staPree. Papa dy, ek. film RW'~67or pepnmL Capita- what's in your wallet? LET'S TALK -WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One; we're here to help you keep your credit on track. Give us a call. 500009 Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. Waiting on your tax stimulus check-and looking for a smart way to use it? Pay off your debt and help bring your Capital One account back to good standing. ~ 2r70N Capita! One .Sen~iru, h:c. Cnpitn( One u a f der:([y registered service mark. A(! rights rerrrved. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,347.47 - $0.00 + $21.31 + $39.00 = $1,407.78 $185.00 Aug. 11, 2008 Jun. 18, 2008 -Jul. 17, 2008 Page 1 of 1 Visa Platinum Aceount 4121.7470.4464.2835 ~~~~~ Your Accountlnformation REWARDS TOTAL REVOLVING CREDIT LINE $2,000.00 TOTAL AVAILABLE REVOLVING CREDIT $592.22 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $592.22 FlnanCe Charges (Please see reverse for important iniormatbn} Balance rate Periodic Comespondrg FINANCE applied to vale APR CHARGE Purchases $1,365.49 0.05203% P 18.99% $21.31 Cash $0.00 0.05751%P 20.99% 50.00 ANNUAL PERCENTAGE RATE applied this period: 18.99% Q At Your Service 1.800.955.7070 To cal Customer Relations ar b n>port a bst a sb~n card ® Send payments to: Capital Ore Bk(USA),NA • P.O. Rox 70684 • CherbHe, NC 28272-0884 A Send Inquiries to: Capital One• P.O. Box 30285 • Sal Lake City, UT 84730-0285 For More Information on your Rewards: ~~ VaH: u+wi.aplehne.aombointsewads Cat 1-80Q228-3007 Have a questbn about a charge on your statement/ Please refer to the Billing Rights Summary on the back of yar statement or visit www.caoitalone.cromid~soutes FILASC FAY aT If=5T Thi5 aMOUM You're behind Ly two raymenls. Let's tali.. If you're haling financial difficuhies and csn'I make your minimum pa•~~r:,ent - we want to halp. Let's w~xk togell:er to find a s aulwn "Impafanf IJotice•' Under the leans we previously d~scbsed to you, your account is now eligd>fe for an increase in Annual Percentage Rates (APRs} effective immediatey. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fail to keep your aa:ount in good standing, Capita One reserves the right to raise your APRs in the h)ture. Rewards Summary Previous available balance: 473 Earned Ihis period: 0 (refbcts trar5aclions polled during this tiYng cycle) Available Balance: 473 Payments, Credits & Adjustments Transactions 1 12 JUL PAST DUE FEE 539.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid Ihis fee in the future, we recommend that you albw at leas) 7 business days fa yon minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WRH PAVMEM OR LOG ONTO WWW.CAPRALONE.COM TO MAKE VOVR PAYMENT ONLINE. CapftalQng• wnar:inyourwauer>. 0 4121747044642835 17 1407780050000185000 New Balance Minimum Payment Due Date $1,407.78 $185.00 Aug. 11. 2008 I'Lf•AtiE PAY AI LfASI THIS AIAOUNT Amount Enclosed Capital One Bk(USA),NA Irlrrlrrlrlrrlrlrlrrll P•0• Box 70884 Charlotte, NC 28272-0884 IrrLIlrrlnlLllrrrlr)LIILrrIrr6LrlrrLrllnLrllrllrrrll Account Number: 4121-7470-4464-2835 Pease print address or phone number changes bebw using blue or black ink. Home Phone Alternate Phone E-mat/address @ 11902006997952481811 MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYFRED LN CAMP HILL, PA 17013-5433 )rrlllrrrlllrrrrrrllrrlllrlrl)rlrllrrllrrrllrlllrlrrrllrlrr Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How to Avoa a Finance Charge. a.Groca Pertod. Vou vita have a Mnimum grate period d 25 days wilfaul finance charge on new purchases, new balanm tremfen, new spatial purchases and new fiber charges H you pay your Idol `New BaWnm", in aeeordarae with the ImporlaM Ndke i«paymeMs below, and In time for H to be credited by Your payment due date. Thera Is no grace period on cash advances ant special transfers. In addition, Uere k no grata penod on any transadion tt you do not pay the Idol "New Balance." b. Accruing Fkrerrm Charge. Transactiore whkh are n« subjed to a grace penod are assessed finance charge t) Irom the dale d the Uansadbn «2) from the date the transadbn k processed to your Account «3) from the first Calendar day d the curtent billing period. Additionally, H you tla rat pay the "New Balance" from the prevbus billing perod In lull, finance thargea tontbue to accrue to your unpaid balance until the unpaid balance is paid In full. This means that you tray still owe firtartoe Charges. even if you pay the entire New Balance irdkated on the front of your satement by the paymerd due date, but did not do so rot the previous month. Unpak finenm Charges are added a the applkable segment of your Account. c. Minimrm FNance Charge. F« each Mlling perod that your actouM b subject to a finance charge, a minimum trial FINANCE CHARGE «$0.50 will be impmetl. d. Temporary Radudion in Finance Charges. We reserve the rlgM to not assess arty or all finance Charges fa any given billing perod. 2. Average Dairy Belanoe (Including New Purchases} Finance charge k cakulated by multiptying the daily balance o1 each segment of your account (e.g., cash advance, purchase, special ironsfer and special purchase) by the tomespmdin9 daiy perbdb rote(s) that has been previousN diacbaed to You At the ell d each day during the filling period, we appN the daily pedodio rate for each segment d your account to the deity belarae of each segment. Then at the end of the billing parlod, we add up Ina rasugs «iftese dally cakurotbns to aMVe al your perbtlk flrence charge for each segment. We add up the reautts from each Segment to amlve a1 the total pedodk finance Charge for your steoum To get the tlarN balance for each segment d your acco«n. we take the beginning balance f« each segment and add arty rrew tronsactbm ant arty perkdk finance Merge cekulated on the pevfoua day'c balance for that segment. We then subired any peymenn ««ad'its posted as of that day that are allocated fo that segment. Thn pivas m the separate daiy balance for each segment d your account. However, g yen paid the New Balance shown on your prevbm slatemeM in lull (« it your new baWnee was zero or a eredg amount} new iraMedlons, whkh pmt to your purchase «special purchase segments are not added io the daiy baWnees. We calcuWle the avenge daiy balance by addirp atl the daily balances together ant dividing tea sum by ill number of the days In the CumeM baling Lytle. To mkulate yWrt«al gnante charge, mutlipN your average daiy balance by the daiy periodic rate antl by the number of days In the billing period. Due to rounding on a dairy basis «due to minimum fnance Charge assessment, there may be a vadaltce between this calculalbn ant me amount d linerae charge adualN assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as "APR" on the front M this stalertraM. h. If the code P {OtwnerN Pnme). L (Ouanerry LIBOR), C (OUarleny CD). or 5 (BankmM Pnme) appears on the front d this slatertwrtt next to tre pedodk rete(a), the pedodk rates and commpondirq ANNUAL PERCENTAGE RATES may vary quanerN era may increase a decrease based on me s1a1M indices, as fount in Tire Wail Street Jaumal, pus the margin previcusty diseksetl to you. These changes will be egedive on the fnst day d your billing period covered Dy your perbdic statement ending in the months d January. Apll, July ant October. t. If the rode D (MOnIhN Prime} F (MOMhN LIBOR). «G (Treasury LIBOR) appears m the from d your statement next to the perlntlk rate(s), the periodic tales and wmesponding ANNUAL PERCENTAGE RATES may vary monthh/ antl may Ircrease «decrease based on the slated Intlkes, as lountl in The Wall Street Journal, plus the margin previousN disclosed to you. These changes will be egedwe on the fast day o1 your Nllirp period each month. 4. Assessment M Late, Overamil and Returned Payment Foes. Under the tertrs M your tusforrer agreerneM we reserve the tight to waive «n« to assess arty fees without pd« edification to you withoN waiving our rfgM io assess the same «similar leas at a lafertime. 5. Mertleersh4 Fee and Renewing Your AaoouM. g a menaenhip tae appears on this antemeM, we will credit the lee tt you request to close your account wMMn 30 days of the mailing M 1hi9 statement You may continue to use the a«oum dwfng tee ag say pared bemre your request. If you do n« pay all charges owed on this ecc«lnt wtth In 90 days, a it you use your credit card or actounl aver you request to cbsa, any membership tea prevbmN wowed may be reinstated to your account. 6. Clmtrlg Of $USpendTg YOUr ACOOUnt. YOd may fegUeel Thal your account be taxed by Cellinp or wrllag our Customer Ralatiore Depenrtwnl. At the time o1 your request, we will provide you wIM addnlonel details on tbsing your attouM. This may Include payment IMOmtatbn. If you use your cretlit Card or charges post to your account agar you ask us to close your account, wa tan keep your account open a reopen iL We may dose or suspend your aceottnt and your tight loo«aln credit. We may do ibis al any Ilene and tar arty reason, even tt you are nM in delautt. A suspension of your aamM tan be perttvnent «temporory. It your attouM k GbEed «BUSpentled, yW mmt Btop Using yWf Clads mftl and account. Vou moat also rental ail peauthodzed billing arrangements 1o the account. We will rat do this /« you. It we close «pertrerently smpeM your account. You must also destroy as credo cards antl account access checks. Vou moat still pay as amounts you owe us an the account, even i1 they were charged agar your account Is rimed a suspended. 7. Makirg PaYmenis. Payments you mail to us will be credited to your account as d the bminess day we receive tt, provided (t) you send the bogom portbn d this atalernem and your check in the enebsed remdganca emebpe and (2) your payment b received k mr processing teller by 3pm E7 (t2 noon PT). Please albw al least five (5) business days t« postal delwery. Payments received by m at any other bCatlon or in am/ fiber form may not be Credged as of the day we receive foam Our bminass days an Monday Through 8. Notke About Eleclronk Check Conversbn. When you provae a Check as payment, you authorize us egherto use imormatton from your check to make a arse-time eleclronk turd transf« from your depose actouM «fo process the payrnaM as a check transaction. tartan we use iMOmwlbn from your thetk to make an eledronk fund Irare1«, lunch may be withdrawn from your deposes account as soon as the Sarre day we receive your payment, antl you will not receive your check back Iron your linandal inslNWion. Vour auganzalion is not IiMted by the date on the check. We may resubmit ant elecironkaly coiled retuned payments. 9 BankNptty. 11 you are entitled to bankruptcy prdedi«ts for your BCCOUM, this CommUnitetlon is Only for inlortretional purposes. h b not an anertpl to collect, assess «recover a debt «claim. Do not sent any paYrrents diredly fo us wghoul speaking with your bankruptcy agomey «the Bankruptcy Caun. II you want to contad m about your arxount «ymr bankrupcy proceeding. dease nave your anomey Conrad us. tBl W NG RIGHTS SUMMARY (In Case d Errs or Ouestbre about Vour Bill) It you thkk your bill is wrong, «H you need more iMOmratbn on a tromad'an «bill, write to m on a separate sheet as soon as possible at the address for Inquines shown on the front of this slatemeM. We must hear from you no later than 60 days aver we sent you the Drat MII on wnkh Me error or poblem appeared. Vou cars Call our Customer Regtions number or notny m by email or webstte, bN tldng so will rat preserve your rlgMS. In your letter, gwe m the Idbwing iM«matbn: your name ant account number. the rider amount d the auspeeted error, a descnption M the error and an expronafbn, it possible, d wiry you believe there is an error « it you need sore inlomnalbn, a desedplion d the gam you are unsure about. You do rat have to pay any amount in question while we are Investigating it, but you are still obligated to pay the pans d yo« bill that are rat in question. While we Investgafe your question, we mend report you as delinquent or take any actbn to cdled the amount you question. t Special Rule for Credit Card Purchases If you have a problem with the quality d properly or 5ervkes that you purchased wkh a credit cant and you have tried in good fatth to torten the pablem with the merchant, you may have the rlghl not to pay ire ramainig assent due on the property « services. Yau have this prdectbn only when the purcnese price was mor®than S5o.00 and the purchase was made in your home state «wgMn 100 rrdlm d your mailing address. m we own «operole ine merchant, «g the mailed you the edverlisement for the property «servces, all purchases arc covered regaMleas M amount «bealbn M purchase.) Please remember b sign all carespontlence. t L1oes rat apply to business accouNs Capital One supports Illforrreibit privacy prdedbn: see our website al ydpptLfdd1i14pg,ggd Capital Ona Is a tederolry registered servke mark o1 Capital One Financial Corporation. All rights reserved. 02005 Capital One _I- knpatant Hofro: Paymeas yw m9 to us vJ be aadtM byar acoxad asdthe Grerrss day wereceive0. Pu+ded (1)ycu Seri to boson prim d Cis sutalwx and Yea dvxk it rte erdaesd reniinaxe arvekge ad (?) Y~ PeNsax a realrad it or a«easkn Dente g3pm. ET (12 near PT). Reese aWw atlast ix(S)[wireasd 7s kr Wahl deswrY. Pa~breod+ed bus al arty osw budmaln ary odia krm may nd be aedtad as d the dry vre retake Than. Oa buskness days ae Mavlsy asagi Saerdry, exdudrrg txidrys. Pleae do mr use aalde& Papa rips. ek rdwi PR*k9Ym patment Gapitaj - what's In your warlet7 500010 MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE® Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. O 2008 Capital Une Seniicu, Grr. Capital One rt a fr~esally regitteretl teroire mark. AU rigliu rererued FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,407.78 - $0.00 + $23.79 + $39.00 = $1,470.57 $262.00 Sep. 12, 2008 Jul. 18, 2008 -Aug. 18, 2008 Page 1 of 1 Visa Platinum Account 4121-7470-4464.2835 ~~ // H N ~s l ,, Your Account Information ~ e o s e REWARDS- TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $529.43 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $529.43 You re behind try three payments. 6ul yeu can brine your account Curren! by paying the minimum pzymenf amaJnt cm your s!atemenl If you're having Grarcial ciiffF_rdti+s and yori re feeling odervhcdmed - wewant tchelp. Give, me et our asseciale.=. a rll al ';.~:YJ..ci55.Ck+G7. You'd to aurprisci what wa car d~ together to wnk ibis cut. "Important hbtice" Under the terms we previousty discbsed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) eHeclive immediatey. However, Capital One has elected not to raise your APRs at this lime. Please be adaised that if you tail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Finance Charges (Please see reverse for important inr«mation) Rewards Summary Balance rate Periodic C«responring FINANCE Prevaus available balance 473 applied to rate APR CHARGE Eamed Ihis period: 0 Purchases $1,428.96 0.05203% P 18.99% $23.78 (renc~ts vansactions posted during this Ding cycle) Cash $0.00 0.05751% P 20,99% 50.00 Available Balance: 473 ANNUAL PERCENTAGE RATE applied lhls period: 18.99% At Your service-cobwwx.ceoitalx;e.oombmanage)vuracaunt Payments Credits&Adlustments «Cat 1.800.9557070 b report a bsl «slobn card «speak to Customer Reml'ans Transactions ® 1 11 AUG PAST DUE FEE $39.00 Pay Online at wwx.caoitebne.c«n «mail)our payment b Capital Ona Bank (USA), N.A. • P.O. Box 70881.Orabtte, NC You were assessed a past due fee because your minimum payment was not received by the due date. To 28272-0881 avdd this fee in the future, we recommend Ihat you albw at least 7 business days f« your minimum A Send Inquiries to: payment fo reach Capital One. Capital One• P.O. Box 30285 • Sar Lake City, In 84130-0285 Manage your Rewards online by visiting «Cet 1800-228-3001 ® Have a questbn about a charge on your statement's Please refer fo the Billing Rights Summary on the back of your statement or visit www.raoitalone.com/daoules PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4121747044642835 17 1470570050000262003 GapitafQ/~• wears in your wallett' Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date Neale print address or phone number changes below using blue or black ink. $1,470.57 $262.00 Sep. 12, 2008 Address I'LtASE I'AY AT IFASl Home Phone Ahemate Phone THIS AP40UNT E-mail address @ Amount Endosed 11902336997952481911 MAIL ID NUMBER HOLLY ROBERTSON Capital One Bank (USA), N•A. 2103 MAYFRED LN CAMP HILL, PA 17011-5433 P.O. Box 70984 I I I I I I , II III I I Charlotte. NC 29272-0994 'I I'I I' ' 1111 111'1 I"II I"II IIII I 1 'I'I III"I'I II'1'I IIh1111111'h'llhl'IIIIIIIPIIIIhnlllpllrll'I'ulll'ulh'll Please write your account number on your payment made payable to Captal One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How to Avoid a Pinang Charge. a.Grace Perbd. You wip have a rrinknum grace perod d 25 days wuhoW finance charge on new purchases. new balance trortslas, new splkial purchases ant new fiber charges u you pay your total "New BaWce". In aaadanca wuh the Important Nake for payments bebw, ant in time fa H to be credHed M your DaYment due date. There h rw grace periotl on rash advances and special transfers. In addition,lMre is no grace period on arty tronsadbn N you do trot pay tM total "New Balance." D. Aaruing Fnarwe Charge. Transacliore which ere nor subject to a grace period era assessed Thence charge 1) from IM date d tM ironsadian a 2)1rom the dale 1M IrorraattlOn s processed to your Account a 3) iron iM f rst calendar day M the curtest blNing prldod. Additionaly, u you tlid rid pay 1he'*r~' Balance" Iran tM prevbus blliirg period In tail, finance cMrgea continue fo accrue to your unpab balance uMiI1M unpaid balance Is perk in iWl. Thla means that you may atlll owe 9nance charges, even H you pay IM entire Naw Balance iMitated ce iM front M your statement by the payment due date, hul did rid do s0 for tM prevbus month. Unpaid Thence charges are added to me appkcatae segment d your Account. c. Minimum Finance Charge. Fa each filling period that your account b subject to a gnance charge, a rNnimum toad FINANCE CHARGE of 50.50 will be Irtposed. d. Temporary Reduction in Finance Charges. We reserve tM right to not asaeas arty a all finance charges to any gNen biting period. 2. Average Daly Balance gncbding New Purchases} Finance Marys h cekWated by mullipying 1M dairy balance d each segrneM of your account (e.9.. cash advance, purohese, special trencter, end special purchase) by tM tortespording dauy perfodk rate(s) that has been pxevbusy disclosed fo you. At IM end d each day during iM tllling period, we appty iM daNy periodic rate la each segment of your account b 1M defy balance d each segment. Then at 1M end M 1M Nuing period, we add up 1M resuus M these daffy pICU181iOr76 to artive al you per(odk finance cMrge fa each segment. We add up the resWM from each segment to aMve at 1M total pariodk Tnance cMrge to your ecwuM. To gH IM ddy balance for eaM segment d your acccuM, we fake the beginning balance to each segment ant add arty new twr7aactbr7s and arty periodk Tlnance Marge cekWalad on iM previous days balance fa that segment. We then subtract any payments a eredHS posted as of that day that ere allocated to that segment fhb gNas ua tM separate defy balance for eaM segment M your a«oum 1(owever, u Yce Paid tM New Balance shown on your previous statement In tau (a u your haw balance was zero a a trades amount), new troraaeuons, whkh post fo yWr purchase a spatial purchase segmems are rid added to the daffy balances. We cekulete 1M average dairy balance by adding all tM daffy balances IogetMr and divaing 1M sum by IM number d the days in 1M curtaM bHUng cycle. To cekulale yoratotal finance charge, rtwttipy your average dairy balance by the dairy periodk vale and by 1M number d days in tM billing period. Due a rounding on a daily basis a due to miMmum finance cMrye assessment, there may ce a variance betwaen this cakulafbn end IM arnouM of finance Marge actuary assessed. 3. Annual Percentage Rated (APR). a. The carol "Annual Percentage Rate" may appear as "APR" ce me front of inls statement b. I11he coda P (DUaneny Prime), L (Ouaneriy LIBOR). C (OUarteny CD), a S (Bankeard Prime) appears on Ina trout of mis statement hen to tM penodk rate(s), IM penodk rates and corresponding ANNUAL PERCENTAGE RATES may vary quaneriy ant they increase a decease based on the stated ntlices, as found in TM Wall Slreel Joumal, plus the margin prevbusly discosed ro you. These changes wNl be BHadive on IM first day d Ycer billing period covered by your perlodk statement entling In iM monma d January, Agil, Juty and October. c. N 1M code D (MOMhty Pdrtle), F (Mouthy LIBOR), a G (Treasury LIBOR) appears on 7M front d your siatemenl next to IM periodk rate(s), IM penodk rates and corresponding ANNUAL PERCENTAGE RATES may vary monmy and may increase or decrease based on the staled Indices, as found In 7M Wall Street Joumal, plus iM margin previousy discosed to You. These changes caul M ettrsciNe on 1M ttrst day d your billing period ecM month. 1. Asaesvnent d Lafe, Overtmll ant Refumed Payment Fees. Under the fertro M your customer agreement, wa reserve the right 10 Waive a not to 855eES ally fees without prier ndNFncalbn to you wNMW waiWrg our fight fo assess tM same a similar tees M a Wier time. 5. klerr4erehW Fee and Renewilg Vour Acmunt. N a membership tee appears on Ibis statement, we will credtt IM tee N you request to dose your account within JO days d fM mailing d mis sutemeM. You may continue to use IM account during the 30 day period before your request. If you do not pay all charges owed on mid account wHh in 90 days, a N you use your credN care or account after you request to cbse, any memMrship lee pevbusy waWed may M rdrnfatetl to your axouM. 6. Cbskg or SuapeMing Your Account. Vou may request mat your account De tared by calling a wining our Customer Relatioro Department. At iM time d your request. we well provde YW wuh addHbnal details ce closing YOUr account. This may include payment iMOmation. if you use your cretlH cans or charges post Io your accwm attar you ask us t0 tbse yWr aetount, we tan keep your account open a reopen H. We may close orsuspend your account and Your right to o6lain credit. We may do mis at any time arM 1a any reason, even u you are rid in delauH. A suspension d your aetouM tan be permanent Or temporary. i1 your aeeouM h cased a suspended. you must stop using yWr aedH cant ant account. You rtust also cancel all preauthorized dllir7g artangemeMa b the account. We will not do this for you. N wa cbae a pamrenenty suspend your account, you must also tlestroy all credo cards and account access checks. Vou must still pay all anquMS you owe us on iM secant. even it they were charged oiler your account is clceetl a suspened. 7. Making Payments. Payments you rreil to us will be tredHed fo your account es o11M business day we receive H, prOVldad (1) y0U send IM boNan portion 011hIS 8181emeM and your check in me enclosed remMance envebpe ant (2) your peymem is received a our proeessin9 center by 3pm ET (12 noon PT). Please allow at least Me (5) business days to postal delNery. Payments reteNed by us at any other bcafiM Or in any Mhat forth may not be credHed as d the day we receive them Our business days are Montlay through 8. Notke About Eleclronk Check Conversbn. When you provide a check as payment, you aWMnze us eigwr 1o use inlortnatbn trap your check to make done-time ebttrOrlit WM tronskr irOm Your deposes BCCOIad a l0 process IM payment as a Made iransactbn. When we use inbmlatbn from your check to make an ekeelrank fund transfer, funds may 6e wHhdravm from your depceH atCWnl as soon a5 IM same day we receive your payment, ant you win rid receive your check ceck from your financial instuutbn. Your authorization h not lirtiled by iM date on iM check. We may resubmit ant elAClroniC811y collect resumed payments. 9. Bankmptey. 11 you are entHled to bankruptcy protections for your account, tMS communkatbn Is ony br iMOmaticeal purposes. h is rtd an aderrpt to tolled, assess a recover a debt a claim Do not send arty payments directly to us without speaklnp with your banknrptcy aHOmey a 1M Bankruptcy Coun. tf you want to conlxt ua about your arrant a your bankruptcy proceeding, please Mve your anomay contact us. TBILUNG RIGHTS SUMMARY (In Case d Errors aOuesfiore about Vour Bilp li you think your fill h wrong, a H you need mac iMamalion on a lransadbn or 0111, canto to us on a separate sheet as soon as possible a11M address for Inquiries shown on 1M irons d this slatemeM. We must hear iron you no Islet than 80 days after we 59171 you IM first best on whkh iM ertof a pIMIHn appeared. You tan call our Customer Rdatior7s number or notiry us by smell or websHe. but ddng so will not )xeserve your rights. In your biter, give us 1M tolbwing iMOrrtution: your name and account number, IM dollar amount of the suspected error. a description d the error ant an explanation, H poasibb, d why you believe there is an error, a H you deed more intamatbn, a destriplbn M the Hem you are unsure about. VW do rwt have l0 pay any amount in questkn while we are invesl(gating H, but you are Still obligated to pay the pans d your 6a1 Mat are INJI in question. While WB iMeatgete yWf queatia7, we round f@ptn you as delinquent or take any action to cdlect the anaunt you quesgon. i Special Rule for CredH Card Purchases u you have a probem wHh the quality of property a servces that you purchased wHh a credo card ant you have vied in good faun to oarect iM problem with the merchant, you may have tM ngM rid to pay 1M remaining amount due on tM property a services. You have mis proredan ony when 1M purchase puce was more man 550.00 and the purchase was made in your hone stale a wHMn 100 miles of you mailing address. Of we OWT a Operole iM Ir7ardlant, a N we rrra118d yW IM advemsemenl for the property a servkes, all purohaseE are covered regaMless M amount a location o1 purchase.) Please remember to sign au correspondence. } Does rid appy b business actoun(s Capital One supports infomation privacy protediM: see our WehsHe at yypygaQgalceB,ggm Capital One is a illderolty registered servke mark o1 Capital One Finencfal Capaatbn. All rights reserved. D 2008 Capital One knparhntNofoe: Paymsi6 Ya mat bus vA bearldled a yar aooani ac d tie W.anas dry we receirr 0. Paaided (t) rya seal Ou batten poem d cis aplemws old yar d7ed'n tie exlased reMM7a ee6epe and (2) you paymrM b raodved n err poasip canter by7p.m. ET (12 ham F1). PMax alwr ailpsl tx(5)daesdaysla poWldAvay. Paymelb rrwi+ed q'ra ai dry ot7a bcesonai7 sly alter krm mry rid W aedNd a d tlr dry wa recare flan. Orr braes days re Ma7daY Eragi Sstudry, rsWudr7g Iddayss Pbaae do not rpe soda, papa d'p, rric. x(7en Papadlp yar prymml Capita- what's in your wallet? TAKE CONTROL OF YOUR CAPITAL ONE® 5000" ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ~ 200R Gtpiral One Srrvrtes, /nr. Capita! Ont it a federally r'eXittered teroirr mark. AU sights nsrrved FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,470.57 - $0.00 + $23.25 + $39.00 = $1,532.82 $339.00 Oct. 13, 2008 Aug. 19, 2008 -Sep. 17, 2008 Page 1 of 1 Visa Platinum Account 4121.7410.44642835 ~NOffdTS/e Your Account Information REWARDS- TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $467.18 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH 3467.18 Finance Charges (Please see reverse for impodanl information) Balance rate Periodic Conesponding FINANCE applied to rate APR CHARGE Purchases $1,489.52 0.05203% P 18.99% $23.25 Cash 50.00 0.05751% P 20.99% $0.00 ANNUAL PERCENTAGE RATE applied this period: 18.99% You're E~hird try four payments. But ynu ;an still bring your account cunenl by payir•:g the minimum payment amount en your statement. h:eej halp? Ghe us a tali al 1.8C0.9~i.EL'C0. 'yVe II wort. ?ngetl:er to fim1 a solution. "Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates {APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advaed that if you tail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summary Revious available balance: 473 Earned this period: 0 (ref6cfs aa~sactions posted during It~is bifng cycle) Available Balance: 473 Payments Credits 8 Adjustments At Your Service • Go b wxw.caoilaMe.oom to menage)rxa aooamt, e «Cat1-000.955.Imo?ompor?abet«sblancard«speaktoQrstoarer TransaGtlons Relations 1 12 SEP PAST DUE FEE 539.00 ® Pay Online at www.eeoitabre.oom «mail your par+nent to You were assessed a past due fee because your minimum payment was not received by the due date. To Capital One Bark {USA), NA • P.0. Boz 70884 • Ctrarbtte, NC avoid this fee in the future, we recommend That you albw at least 7 business days fa your minimum 28272-0884 payment to reach Capital One. A Send Inquiries to: Captal One• P.0. Bou 30285 • Sae Lake Ory, UT 84130.0285 Manage your Rewards online by visiting «Cat 1-&JO-228.3W1 ® Have a question about a charge on your statement? Please rater to the Billing Rights Summary on the back of your statement a visit www caoitabne.com/disputes PLEASE RETURN PORTION BELOW WfTH PAYMEM OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. CapffafQ~• I what's in your wallet?• 0 4121747044642835 17 1532820050000339007 New Balance Minimum Payment Due Date $1,532.82 $339.00 OCt. 13, 2008 PLEASE I'AYAT LEAST THIS AFAOUNT Amount Enclosed Capital One Bank (USA), N•A. P•0. Box 70884 Charlotte, NC 28272-0884 Itlllllttll'h'Ilhl'tIIIIPIIdItlulhlPll'd'Imhlmllrtl Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Alremare Phone E-mail address P t19026269979524818f1 MAIL ID NUMBER MOLLY ROBERTSON 2103 MAYFRED LN CAMP HILL, PA 37011-5433 't4111drtrPlhtllnlrtll"~It'°Illll'lll'h'Ilrul'lullnl Please write your account number on your payment made payable to CapRal One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How to Avob a Finance Charge. a.Graoe Period. You will Mve a minimum grate pedad a 25 days wHhoW finartce durge on new purchases, new beWnce Irettslere, new special Purchases and new other charges H you pay your total'New BaWnce", in accordance wtth ill ImporteM NaiCe 1« payments bebw, and In time la h to be credited by Your payment due tlate. There k no grace period on cash advances ant special irenalers. In addition, there k m grate perkd on any Iransadlon H yW do not pay the Idol "New Balance." D. Acaulrq Finance Charge. Trensaclions whkh are not subJeel to a grate period are assessed finance cMrge 1) from ill date a ill lretaeclbn a 2) Irom ill tlale 1M irerlsacllon b processed to your ACCOUM «3) from ill first talenrer day o11M WrteM billing period. Addttionaly, H yW did not pay IM'New Balance' from 1M previous bitting period In full. finance cMrges continue to attrue to your Unpaid beWnee urtal tM unpaid balance la peW in 1uli. This means that you rtuy still owe flrertce charges, even H yW pay ill entire New Balance indkaled on ill front of your statement by tM payment due date. but did not do so for 1M previous month. Unpaid finance cMrges are added to tM appikable aegmem of you Account. e. Mnknum Fkante CMrge. For each Mlling perioe that ryas account k subjed to a finance charge. a minimum total FINANCE CHARGE of 50.50 will be lntposetl. d. Temporary Reduction h Fkunce Charges. We reserve IM ngM to not assess any or all ibance ciurges for any given billirtg period. 2. Average Dally Balance (Incbding New Purchases). Finance charye is cekulated by muttipying tM defy balance a Bath segment a you acoounl (e.g., cash awance, purchase, specal transfer, antl special purchase) by ill cortesponding dairy penodit tale(s) that has been previousy disclosed to yW. At me ell a exh day during 1M billing perod, wa eppy fine dairy perbdk rate tw each segment a your ettouM 1o IM dairy balance W eeth segment. Then a11M end a Me dhirq period, we add up 1M results of these defy cakulatbna to amve al your penodk finance charge faeach segment. We add up 1M reruns from each se9meM to arrNe at Me teal penodk thence CMrge fa your eccouM. To get 1M dairy belente for each segment a your acceuM, we take ill beginning balance fa exh segment and add any new trareadbrts antl any periotlk finance cMrge pkulated on tbe Drevbus tlays beunta 1« that segment. We then auMrad any peymeMS or tredHS posted as a that day that are elkrated to that segment. This gNas us the separate defy balance t« Bath segment a your account. Fbwever, H you paitl the New Balance shown on you previous statement a lull (a H yW r rtaW baance W86 2lr0 a 8 Cradtt emalM) new transxtbns, whkh past to your purchase orspeeial puroMSe segments era not added to ill dal y balances. We celtulate Me average defy balance by addirp all IM dairy balances IogelMr and dNiding 1M sum b)' 1M nurtlber of 1M days in IM Current filling Cycle. To takulal@ yW Molal finance charge, muHipy your average dairy balance by the dairy periodk rata and by 1M number of days in IM btllirg period. Due to rounding on a daily bests «due to minimum finance tMrge asseesmenl, there trey be a variance between this celeulmbn end the amount of finance charge adualy assessed. 3. Mnual Percentage Rates (APR). a. The tenn'Mnual Percentage Rate" may appear as'APR" on the front al this statement. b. If the code P (OUanery Prime), L (OUarteny LIBOR), C (OVarierry CD), a 5 (Bankcaro Prime) appears on the front a ihls stetemerd hell W the pertotlk rate(s), the periodic rates and corresponding ANNUAL PERCEMAGE RATES may vary quarterly and may increase or decrease besed on ill slated kttlices, as found in The Wall Strael J Wmal, plus the margin pevbusty tlixkned to yW. These changes will be eHedlYe on 1M first day of your btiHng period covered by your periodk atatemenl ending in 1M months a January, April. Jury ant October. c. I11M code D (Monthly Prime) F (MOnthry LIBOR), or G (Treasury LIBOR) appears on ill front a your statement next to 1M perfadk rate(s) IM perioek rates ell corresponding ANNUAL PERCENTAGE RATES may vary monMy one may increase «eecease based on the stated indices, as found in The Wall Street JWmal, pNa tM margin peviousry dixklsed to you. These eMnges will be eHedive m tbe first day a yW r Dieing period each month. 4. AsaessmeM a Late, Overamit ant Recurred Payment Fees. UMer 1M terms a your customer agreement, we reserve tM right to waive a not to assess arty tees without plot notification fo you wi1MU1 waiving our ngM to assess tbe same a slmiler lees 818 later lime. 5. Membership Fee and Renewirg Your AocouM. H a membership tee appears on this srakrreM, we wig ttedn ill tee H yW request to cbse your account wltMn 30 days a the maifing a this alatemenL You may continue fo use 1M account during the 30 day periatl before your request. It you do rlol pay all tMrges owed on thh account with in 90 days, a H you use your credk cent or account aneryou request to cbse, any membership tee pevbusy waived may be reimutee to your aocoum. 6. Cbsing or Suspandirg Your Aooount Vou may request that your account be closed Dy calling or wining our Customer Relalian Department. At tM time of your request we wgl Drovitla you with addtttonal deuik on cbstrg your eteount. This may Include payment IMOmutbn. If YW use your Cfedtt Cam «CMrg85 ptal to yWr BCCCUf1t 8H« yW ask us to Ucee your atoouM, we can keep your account open « reopen H. We may dose orauspand your account ell your right to obtain credH. We may tlo Mir of any lime arW f« any reason, even H yW are nor In delauh. A suspension a your account can be pertreneM a temporary. It your account g cased a suspende4 yW mM stop using your credH cant antl account YW must also carxel all preaNhalzed billing amngementa to the acoounl. We wIH rid do this for yW. H we close or pemtanenty Suspend your account, you must also destroy all credit cerda and account access checks. Vou must still pay ell amounts yW owe us on ibe ecooum. even h tiny were cMrged after your account re closed a suspended. 7. Makirg Payments. Payrrems YW mail to us will be tredhed to your account as o1 LM business day wa receve N, povitletl (1) you send ill bottom portion a this statement and your check in tM entbsed remittance envebpe ant (2) your peymenl k receNed in our praessing teller by 3pm ET (12 noon PT) Please allow at least five (5) 6usinesc days for postal dehvery. PayrtleMS reCeNed by us al any other location a in arty dha Tenn may not be credtted as of 1M Bay we receive them Our busaess days are Monday through e. Notice About ElecNOnk Check Conversbn. When yW provide a check as peymenl, you atnMnze us either to use IMorrretbn Nom your check fo nuke done-time aedronit fund Iranater from your deposes aocoum a to process the paymem as a check treraachon, when we use infomation from your check to make an eledronk fund transfer, lulls may be withdrawn from your deposit account as soon as 1M same day we receive your peyrrwm, ant yW will not receive your check back hom your finartdal InslHtnlon. V W r autlarizMion is not united by IM date on ill cheek. We may resubmh and eledraicalry collect recurred payments. 9. Bankruptcy. ItyW are aMttkd to benkMpttY Drotediax i« your account, finis communication k only for intomatbrel purycees. II is not en atlenpt to collect, assess « recover a dent «claim. Do not send arty payrttems diredy to us wHhoM speaking with your benkmpky anomey atM Bankruptcy Court. H ycu want to canted us abeut your accaxrl a yW r benkruptty proceeding, please Mve your attorney oontad us. TWILLING PoGHTS SUMMARY gn Case a Ertas a Ouestions about Yoe Bilp Ii you mink your all Is wrong, a h you need more iMOrmatan an a iransadbn a bttL wme to us on a separate sheet as soon as possible al ill address /« Inquiries shown an tM front a this statement. We must hear from yW no later Man ti0 days attar we sent yW ill Trst 6111 on which Me ert« « problem appearetl. V W can call ow Castanet Rdatlorts nturoar a natty us by email or webene, but adrq so win not preserve your rigors. In your lees«. gwe us ill tolbwing information: your name aria aaWM number, the ddWrarnounf atM suspected err«, a description M the emar ant an elrplanafion, H possible, of wfiy you Oalieve there b an error, a H yW need more inlormetbn, a description nt tM ham yW are unsure about. VW do not Mve to DaY arty amount in queston wNle vq are Investigating it but yW are still obligated to pay tM parts d your billlMl are not in queston. Whge we investigate your question. we canna report yW as delirpueM a take any adbn to cdlecl the amount you quesllon. t Special Rule tar CredH Card Purchases If yW have a podem whh IM quality a property or servces that yW purchased vAM a tred'd card and you have tried in good latth to cortxt the probem with Me rrercham, you nay Mve tM ngM not to pay ill renaming amount due on ill property « servces. Vou Mve this protedbn any when 1M W rchase Price was more than 550.00 ant 1M purchase was made in your hang stele a wttMn 100 Mies 01 your mailing address. gt we own a operate ill merchant, a h we mailed yW the advertisement t« ill protYerry a services, alt purchases are covered regardbss d amount a locatbn a purchase.) Please remember to sign all correspondence. T Does not aDDy fo business ateounts Captal One supports kdomation privacy proledlon' see Wr website al i~S',t~ilalOII@,ggm Capttal One la a tederely regiataed servke mane of Capital One Finandal Corp«atbn. Ali rigMS reserved. 02008 Capital One knparbntNofw: Paymea yin mat bus rA be eadted byat accurst ssdM WaYien dry we receie it presided (1)ya send orb bwkxn poem d N's ataMcem ant yar dwd Yi Ie andssW ranJllaice enrdt9a and (2) yar paws b raoalved'n ar Pocaaip cane Iry7P.m. ET (12 nom Pt). fiease abw atkW Sx 15)eu:,e.a Gaya br pssid dsia.y. Paymmereoexd b)'uat any saw kxaknan am aw tam may nor ea edkd a: d as say we receNe awn. ou<LVeiisr days era Mawr Graph sawraay, «dudrq Ivfdars. Please dv rwt use stage, Pear dpa, ek. than Papaiq tar D fnpn 500012 ~'apita~- IT'S STILL NOT TOO LATE. what's Jn your walJet7 Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2008 Capital One Srrvicer, Ina Capital Onr it a, ferlrra!!y regirrrrrd ren~ire mark. AU righrt resrrvrd FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,532.82 - $0.00 + $24.21 + $39.00 = $1,596.03 5418.00 Nov. 11, 2008 Sep. 18, 2008 -Oct. 17, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.44642835 CN H s le Your Account Information o a s REWARDS TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $403.97 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $403.97 finance Charges (Please see reverse for important information) Balance rate Periodic Carespondng FINANCE applied to rate APR CHARGE Purchases $1,550.94 0.05203% P 18.99% $24.21 Cash $0.00 0.05751% P 20.99% $0.00 ANNUAL PERCENTAGE RATE applied this period: 18.99% Q At Your Service • Go ro wxv.caoitakxie.aom ro mange tar aooount, u Cat 1-80Q95:s7070 to report a bst a sbkn ard a speak ro Customer Rehlions ® Pay Online al mom' ,gpsormal}rurpaPnenlb: Capital One Bank (USA), N.A. • P.O. Box 71083 • Chabtte, NC 28272-1083 A Send Inquiries to: Capital Orie• P.O. Box 30285 • Sal Lake Ory, UT 84130-0285 Manage your Rewards online by visiting a Cat 100-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rghts Summary on the back of your statement avisit www.caoifabne.com/disoules You're t+eY:ind ttr five Kaymens. t^:abe permanerdhy revckwi ycur rt;arying pr'r~ilegas. I' you wntince to miss EaytnenL^ you a~tieun! is at risk n(Ixing charg•Y' c. Pleas. den! lei Ihis hap~:n I`•y~ou're c-elirA sverwhefmF~i, tali us at 1 ii0:?.9~i borR!. VJe.'II work: with you to reschfe. this matt=r "Important Notice" Under the terms we peviously drscbsed to you, your account is now eligble for an increase in Armual Percentage Rates (APRs) eNective immedatety. However, Capital One has elected no11o rase your APRs at this time. Please tte advised that if you fail to keep your account in good shaMrg, Capital One reserves the right to raise your APRs in the future. °IMPORTAM NOTICE" Beginning with your December 2008 statement, your Minimum Payment will ra kxger include trarisaciion fees (nm-periodic finance charges), such as Cash Advance fees and Balance Transfer fees. Also, you must pay a minimum payment every billing period you have a balartce. This minimum payment is required even if you paid mae than the minimum payment a made muhiple payments in a previous billing period. Rewards Summary Previous available balance: 473 Eamed this period: 0 (relHcts transec(ia,c posted during eus bifng cycle) Available Balance: 473 Payments, Credits & Adjustments Transactions 1 13 OCT PAST DUE FEE 539.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this tee in the future, we recommend that you albw at least 7 business days fa your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WRH PAYMEM OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMEM ONLINE. Capila/~ Account Number. 4121-7470-4464-2835 Due Date New Balance Minimum Payment Amount~Enclosed 1 Nov. 11, 2008 $1,596.03 $418.00 U 1'LEASL f'AYAf LEASE ~~~JJ THIS AP40UIJT 1 4121747044642835 17 1596030050000418000 g9029269979524815q HOLLY ROBERTSON 2101 MAYFRED LN CAMP HILL, PA 37031-5433 "ill'111111111'II'IIIIIIIIIIIIII'lllll'Ill'I"hllrrlrlll'Illlll Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Q Pay online anytim~no more checks, stamps or clutter. Q Moving? Change your address online or on the hack. 8 Help save the planet-Go paperless. Q Sign up at www.capitalone.com. Capital One Bank (USA), N•A• P•0. Box 71083 Charlotte, NC 28272-1083 III'f1"I"'11111''It1'1111111Lrl,Ll'I11'1"111111'llll'll'llll Please make checks payable to Capftal One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON t. How to Avoid a Fhance Charge. a.Grece Perbd. Vou win have a rNMmum grace period of 25 days wHlaut finance Charge on new purchases, new balance irarlslars, new spatial purohases and new other charges h you pay yourt«al "New Balance°, in accordance wnh Me ImponaM N«ke for paymaMs babes, and in rime f« N to ba credhed by Your peYment due tlate. There Is ro grate perod on cash eWances arW spatial transfers. In addition, there B ro grece period on any transaabn n you do rot pay the tool 'New Balance." D. AxNing Finance Charge. Trensadbru which are not subjeel fo a grace panod are assessed finance charge 1) tram the Dale of the transaMlOn or 2)1rom the dale the transaction M processed to your Aaount «3)1rom the firer calendar day of the currant bnling perod. Additionally, H you db not pay the "New Balance" from the previous billing good in tun, finance therpes continue to accNe to your unpaid balance until the unpaid balance b paid In full. This means that you may still owe finance charges, even H you pay rite entire New Balances Indiceted on the front of yow atatemaM by 1ha paynesM due dale, but did n« do so for the previous naMh. Unpab finance tharpes are added to the applieaNe segment «your Aeoounl. c. Mhimrm Finance Charge. For each billing period that your accamt k subpct to a finarke eharga, a minimum t«al FINANCE CHARGE of 50.50 win be imposed. d. Temporary Reducfbn h Finance Charges. We reserve the IIgM to not assess any or all finance charges f« any gNan biNirp perbd. 2. Average Deny Bamnoe (Including New Purchases). Finance charge k eakulated try muHipying the daffy balance M each segment M your aeeount (a.g., rash advance, purchase, spacial transfer, ant special purchase) try the toresponding dairy paiodk rate(s) that has been prevkwsy diacbsed b you. AI the end of each day during the billing period, we appy the dairy penodk rete /« each segment of your eteount fo the deity belante of each segment. Then et the end d the bllnrtg perod, we add up the resuHS of these daffy cakuletions to aMve al your periodk finance charge for each segment. We add up the resuns from each segment to aMve of the total parodic franca cnarge t«your account. To get the daffy balance for each segment «your account, we take the baghnhg be4nce for each segment and add arty new uansactions antl arty parbdk finance charge cekulaled on the previous say's Dakota 1« that segment. We then suMratt any payments «credHS posted as of that day that ere alkwted to Ihal segment. This gives us the separate dairy balance for each segment «your account. However, H you paid the New Balance shown on your prevous etaterroM in lull (« n your new balance was zero «a eredH arnoum) new trenaotbna, which post to your purchase or special purchase Segmems era n« added 10 ill dairy balances. We cekulate the average daft' balance by addlrg all the dairy balances together and divbing the sum by the number of the days in the curets blllirg eyek. To cekulale your total finance charge, muHiDN Your average daffy balance Dry the dory parodic fete end Dy the number of days In the Nlling panod. Due to rounding on a deny basis «due to rrkMmum tnartce charge auessmeM. there may be a variance balween fns cakulafbn end the amount of Ilnance charge actualy assessed. 3. Annwl Porcentage Rates (APR). a. Tne teen "Annual Percentage Rate" may appear as "APR" on the front «this statement b. if the rode P (OUanerty Prime). L (Ouanerly LIBOR). C (Ouanerty CD), «s (BankcaM Prime) appears on the front «1hi3 statement rent to the perbtlk refe(s), the penodk rates and eortespondirq ANNUAL PERCENTAGE RATES may vary quanerty arM may increase or decrease boned on the sretetl Indkes, as fountl in The Wall Street Journal, pus the margin prevkwsy discbaed fo you. These changes will be eneetive on the first day of Your Nlling period ca~eretl by your pariodk slalement ending fn the rrgMhs of January. April, Juy and October. t. N the coda D (MOnihy Prime) F (MOMhry UBOR). «G (Treasury LIBOR) appear on the iroM «your stalemenl next to the perlodk rate(s), the periodic rates end tortesponding ANNUAL PERCENTAGE RATES may vary rnorMy end may increase or decrease based on the stated indices, as fount in The Wall Street Journal, plus the margin prevbusy disclosed to You. These ehsngea writ be enecwe on the first tlay of your billirq perod each month. 4. Asaeaamenf of Late, Overatrat and Returned Payment Fees. Under the lenro of your Cllslomer agreement. we reserve the right to waNe «n« to assess arty lees wntaN pd« ndlficatbn to you without waiving our ngM to assess Ito same «slmilar fees a1 a war time. 5. Membership Fee and Renewing Your Account. H a membership fee appears on ihk statement we will tredH the fee N you request to cbsa your account wNMn 30 days al the rnaNirg M this sWlement You may eaMlnue to use the account during the 30 day period bef«e your request. If you do not psy all charges owed on this acc«lM wNh In !30 days, «H you use your eredM card or attotrnt abler you request to close, any membesnip fee prevbusy waNed may be rairetatetl 1o your account. 6. Cbsirg «Suspatrtlhg Your Account. You may request Ihet your acrnuM ce closed by calling «wming our Customer Relations tkpanment. N ire nrre W your request we will provba you with addHbnal detaih on closing your account. This meY ir7GWe Payment iMOrtnafion. li you use your credo pM or charges post to your escort otter you ask us to cbse Your aetouM, we can keep your aaouM open « reopen tt We may close or suspend your ectounl and your ngM to obtain aeries. We maY do this at any time and 1« any reason, even H you are not In detauH. A suspension of your account tan be pemvnent «lemporery. It your attouM is closed «suspeMed, you must stop using your credN tartl ant aCDOUM. You mraf also rental all preauthonzed Nlting arwngemeMS fo the aeeouM. We will not do this f«you. 11 we ebae or pemnrienity suspeM your stcounl you must also destroy all credH cards and account access checks. Vou must sell pay ell amouMe you owe m on the aOCOUM, even it they w«e charged seer your attounl is closed « suspendetl. 7. Making Payments. Payments you men to ua wNl be credHed to your account as of the business day we receNe n, provided (1) you send the bottom ponbn of fhb statement and your cheek in the encbsed remlHence emabpe and (2) your payment b reteNed in our processing teller by 3pm ET (72 noon PT). Please eilow at least five (5) business days for postal delivery. Payments reeeNed by us at any other btali«i «in any abet torte may not be credned as of the day wa receive teem Our business days are Monday through a. N«ke About Electronk Check Comerebn. When you provide a check as payment you autlanze us enher to use IMOrmeli«t from your chock to make cone-time eledronie turd transf«trom your depose aaoum «to process the payment as a check transaction. When we use iMOrtratbn from your check to nuke an electronk font trenafer, lords may 6e withdrawn from your deposes atc«7M as soon as the same day we receive your payment, ant you will rid receive your cluck back /ram yow financial InstHUlbn. your authorization is not limited by the date on the check. We may resubmN and electronicaly collect returned peynants. 9. BankNptcy. If t'«1 ere entitled tD bankNplcY prolecti«u f« your account, ills tommunkatlon rs onty 1« Inforrnetional purposes. It B not an anempt to oolrecn, assess «recover a debt or claim Do not sent arty pwyrnenta directly to us wnltout speaking wNh your DenkNplty anomey «tM BanwuplcY Court. If you want to comact us about your accotatl «your bankNpky proceeding, please have yOUr anomey ooMael us. tBILLING PoGHTS SUMMARY (In Case M Em«s «OUes1bM shout Vour Billj n you Mlnk your bat is wrong. «H you need more IMamati«t on a tranaactbn «blll, write to Its on a separate shell as aeon as possible at the address for inquiries shown on the tronl of fhb stetemeM. We must near from you rq later than fi0 days aver we sent you the first bill on which the error « problem appeared. You tan ceN our Customer Relators nunber «notiry us by emaH or webaHe, but ddng so will trot preserve your rfgMS. In your letter, glue us the 1«krvnng IMOmutkn: your name ant account number, the ddlar amount of the suspected error, a description o1 the error and an explanetbn, H po56ibb, of why you belleva there b an error; or H you need more information, a descdplbn of the Hem you are unsure about. You do not have 10 pay arty amount in question while 7ve are Investigating h, but you are still odigated fo pay the parts «your bill teat are rte in question. While we investigate Your question. we cannot report you as delinquent or take any action to collect the amount you quesion. t Special Rule for CredH Card Purchases H you have a problem wNh the quality M property «servces That you purohesed with a trades cant and you have toed in good Iailh 10 torect the prodem Ntith the merchant, you troy have the ngM not to pay the remaining amount due on the property « services. Vou nave this protector ony when Ire purchase price was rare loan 550.00 end the purohase was made in your nome state «wHhln 700 miles of your malting address. p1 we own «operate ire merchant, «n we nulled you the adveNSemeM 1« the propery or services. all purchases are covered regaMless M amount «locetbn of purchase.) Please remember to sign ail corespondence. t Cues not a-PIY b Cosiness aeeounls Capnal One supports hlormalion prNacy Drdectbn: see our websHe at YMW.gaQHalglle.ggm Capital One h a iederety registered service mark of Capital One Financial Corporation. All rigMS reserved. 02008 Capital One Changing Address? Address ................ Home Phone ........................... Alternate Phone ........................... E-mail Address ........................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure © we process your payments smoothly: ~ Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. 500073 NOT PAYING YOUR DEBT cap:ta~ - DOESN'T MAKE IT GO AUUAY. what's in your wallet? In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due date to eliminate the risk of being charged oH. © 2UGH Capirn! One Srrvirrr. Gtr. Caprta! Oae r; a/2rytra![y rrginrred terurre mark. All righrr rrrrrved Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Date $1,596.03 - $0.00 + $26.11 + $78.00 = $1,700.14 $500.00 Dec. 12, 2008 Oct. 18, 2008 - Nov. 17, 2008 Page 1 of 1 Visa Platinum Account 4121-7470.446A-2835 /N Hassle Your Account Information ~ o REWARDS TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $299.86 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $299.86 You're t;ehind Lrr: sir. Payments. I' wa cl.arge cf` your xcourt due to late a missed payments, finance charges will ccnfinue ie accrue P.ct new t0 prevent this from happening. Please pay the r::inimum pavmeni amount on yan statement a cne us a r'all ai 1.A1'a.9,ci5.661rG.'r`Je're Fsre to help. Take ccnlrol of your cruet with Capital Ors. "Important Notice" Under the terms we previousy disclosed to you, your account is raw eligible for an increase in Annual Percentage Rates (APRs) effective immediately. Fbwever, Capital One has elected rat to raise your APRs at this time. Pka3se be advised that if you fail fo keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Finance Charges (Please see reverse fa important information) Rewards Summary Balance rate Periodic Conesponding FINANCE ~~'~ avalable balance' 473 applied to rate APR CHARGE Eamed this period: 0 Purchases $1,618.62 0.05203% P 18.99% $26.11 (rel6cts trsrsertims posted dwing OJs hiprg cycb) Cash 50.00 0.05751% P 20.99°k $0.00 Available Balance: 473 ANNUAL PERCENTAGE RATE applied this period: 18.99% O At Your Service • Go b xvnv.caoilabrte.com to rr~age your aoCanL - a C~ t~00-9557070 b report a bst a sbpn card ar speak to Oaslomer Relations ® Pay Online at YArw ceoitalare.eom a mat ya,r payrrent b: Capital One Bank (USA), N.A. • P.O. Box 71083 • Chabtte, NC 28272.1083 e Send Inquiries to: Capital One• P.O. Box 30285 • Sap Lake OTy, UT 84130-0285 Payments Credits 8 Adjustments Transactions 1 11 IdOV PAST DUE FEE ~ ~ 2 17IJOV CAPITAL ONE MEMBER FEE 539.00 You were assessed a past due tee because your minimum payment was not received by the due dale. To avoid this fee in the future, we recommend that you albw a1 least 7 business days fa your minimum payment to reach Capital One. Manage your Rewards online by visilirg a Cap t-800-228-3001 ® Have a questbn about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement a visit www.caoitalone.com/disoules PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ONTO W~MN.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121747044642835 17 1700140050000500009 Capita Account Number: 4121-7470-4464-2835 Due Date New Balance Minimum Payment Amount Enclosed` Dec. 12, 2008 ~ ~ $1,700.14 $500.00 I I ~J PRASE f'AY Al LkA51 THI5 AMOUNT g90324eS9979524816f1 HOLLY ROBERTSON 2103 nAYFRED LN CANP HILL, PA 17031-5433 rnllnlPlrurtlllhr~lhl'III'rrvrhllllhl'I'Illllll'Ih'r Lend a hand. Save the Land. Manage your account online today- it's fast, easy and secure. Q Pay online anytim~no more checks, stamps or clutter. Q Moving? Change your address online or on the hack. ® Help save the planet-Go paperless. Q Sign up at www.capitalone.com. Capital One Bank (USA), N•A• P•0. Box 73093 Charlotte, NC 29272-1093 lllllllrlll'~lllll~llrldllllr'lllillrrll~l~lll~ll~~llllllll~llll Please make checks payable to Capital One Bank (USA), N.A. and mail wfth this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How to Avoid a Finance Charge. a.Grace Period. You win have a rtgnlnam grace penod d 25 days wHhwt finance charge on new purchases, new balance transfers. new spatial purchases ant new other charges H You PaY Your trial "Haw Balance", In accordance wNh the Imporlanl Notice fu payments babes, ant In Hme for H fo w eradHed by your payment due date. There Is ra grace period on Cash advances end special transfers. In addilkn, (here k ra grace period on any Iransadlon n you do not pay the local "New Balance." D. Accruing Finance Charge. Transactions whkh are rot subject to a grace padod are assessed fnanee charge 1) from the date of the transaction a 2) from the date the trarsaction h processed to your Account or J} from the first calendar day of the cunent billing perkd. Addilknaly, N you ale not pay the "New Balance" from the previous billing panod In full, finance charges continue to accrue to your unpaid balance until the unpaid balance is paid In full. This means that you may still owe finance charges, even if you pay the entire New Baance Indlcatetl on the front of your statement by the paynaM due tlate, bN did not do so for the prevleus month. Unpaid fnance Charges are atlded to Hie appNCade segment of your Aecwnf. t. Minknum Finance Charge. For each billing pefbd that your aaouM h subject to a finance charge. a minimum total FINANCE CHARGE of 50.50 wilt ba imposed. d. Tertporary Reduction h Finance Charges. We reserve the dgM to rid assess any or all faance Charges for any gNen billing period. 2. Average Deny Balance (Indudirg New Purchases). Finance Charge b takulated by muniDying the daiy balance o1 each segment of your aacunt (e.g., rash advance, purchase, special trereter, antl apecWl purchase) by the corresponding dally pertodk rate(s) that has been previouay disclosed to you. At the end of each day during the bilAng period, vre appy the daily periodic rata for each segment l yow account to the daiy balance l each segment. Then at the end l the tilling period, we add up the reruns l these daiy calwWtarrs a aMVe al your periedk finance charge for each segment. We add up the reruns from each segment to eMVe at the total periodic finance charge for your account To pal the daiy balance for each segment l your account we lake tce beginning balance fa Bath segment ant add any new transactions ant city periodk Hnance charge akulatetl on Ilte previous days balance fa that segment. Wa then au Wad any payments or credits polled as l that day Thal are allocated to Itat segment. This gNes us the separate daiy balarae for each segment d your actwM. However, N you paid the Naw Balance shown on your prevkus staternt in full (or H your new baWnce was zero or a eredk amoum), new Irertsaclarts, which pos110 ywr purchase Or spatial purchase segrteMS are not added to the daiy balaraes. We calculate IM average daiy balance by adding all the dairy balances together and divaing the sum by 11a number l the days In the curteM billing cyda. 7o cakWafe ywr total finance charge, munlpy your everege daiy balerae by the daiy prulodit rata era by Me number of days in the billing pedal. Due to rounding on a daily basis or due to minimum itnarae charge assessment, There may W a vanarae between Mis cakulatbn end The ametlM l finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" Trey appear as `APR" an the front d this atatemenl. b. II the code P (OUartedy Pmre). L (QUanary LIBOR), C (QUanery CD), or S (BankCeM Pnme) appears on the front o11hls statement rtes a the penodk refe(r), me perlodk rates and cortespontling ANNUAL PERCENTAGE RATES may vary quarterly and may Increase a decrease Dried on the stated intlkes, es found In Tie Wall Street Jwmal, plus the margin previousy discksed to you. These changes will be ededNe m the first day of your dllirg period covered by your perbdk statement ending In the months of January, April, Juy ant October. c. It the code D (MOnthy Prime), F pionlhy LIBOR). or G (Treasury LIBOR) appears on the front o1 your statemem next a the pedotlk role(s), the periodic roles and cortespondirg ANNUAL PERCENTAGE RATES may vary rtanthy end may increase or decrease based on the staled iMices, as Iwra In The Wall Street Jwmat plus the margin Prevlway dmeaaed to you. These charges will be eHecllve on the nrel day of your DYlirg pared each month. 4. Assessment M Late, Ovaflkrsl end Rslurtred Payment Fees. Under the lerrllS d your customer agreenanl, we reserve the rfghl to WeNe or no11o assess arty fees wItMW pray ratHrcatfon to you wtthoW waiving our fight to assess the same or similar fees el a later time. 5. Mentbershlp Fea and Rartawbg Your AooounL h a rttcrtEership fee appears on this ataterreM, we will ttedH the fee N you request to dose your account within 30 days of the malting of this statement. You may continue b use the accwM tlunng the 30 day period before your request. It yes do not pay all charges owed on 1hls secant wNh in 90 days, a H you use your Cred'd cant or aecoum after you request ro case, any membership fee previwsry waived may be relrwtaled to your aCOOUnt. 6. CbsNg or Suspending Vour Account. You may request th91 ywr BCCW M be clOSed by Caging W WMing W r Customer Relations Department. At the lime of your request we will provde you wiM additkmal delalls on dosing your aocwM This may Include payment iMOmtetion. I/you use your trades card or charges post to your account aner you ask us to close ywr ateount we tan keep your attouM open or reopen N. We may dose or suspend your account and your ngM to obtain credtt. We may do Mis al am/ time and for any reason, even H you are not in dalautt. A suspension l your account can be pertreneM or Temporary. H your actouM b ckse0 w suspended, You must stop using your uedH cent and account. You mitt also cancel all preaNhorized filling artangerrenls to the eccoum. We will rat do this for you. H wa case or partnanenty suspeM your atewnt. You moat also destroy all Green cards ant accwnt access checks. You must still pay all anaunts you owe us on the aCCOllnl, even if they were charged aner your account fs dosed or suspended. 7. Making Payments Payments you mail to us will be eredNad to your ateount as of the business day we raceNe N, provided (7) yes sent The bottom ponbn dthls statement and your check In the enclosed remfnanee enveklpe and (2} ywr payment fs received in car proeessing eenler by 3pm ET (t2 noon PT). Please alkw al least five (5) business days for postal delivery. PayrreMS receved by us at arty other localkn or In any fiber form may not be eredHed as l the day wa retebe them Our business days are Mornay through b. Notce About Eleclronk Check Converekn. When you provide a check as payrtant you ataigdze us etther to use iMOrmelion from your check to make aorta-time eledronlc fund Transfer from your deposes account or to process the payment a5 a check fransacllon. When we use iMOrtretbn from your check to make an elecironk turd transfer. Nnds may be vdthdrawn from your deposit account as soon as the same day we receive your payment ant you win nd receive your check back from your nnanclel instnutbn. Your authorization K rat IinYtad M the date on the check. Wa may resubfNt and electronkaly Collect relumed payrrems. 9. faenlwpiry. It you are emNied 1o bankruptcy prMecttorts for ywf eCCOUM, Ibis COmmunkeHOn fs Ony for Inlofrrellonal purposes. h N rat an aHempt to caged, assess a recover a dent or claim Do rat send am paymens direly to ua wtlhoW speaking with your bankruptcy ettomey or ttte Bankruptcy Court. 11 you want to conWd us about your account orywr bankruptcy proceeding, please have your aHOmey Contact us. iBILLING RIGHTS SUMMARY (In Case d Ennrs ar Questions abdd Vwr Bilp N you think your NII b wrong, or H you need more imortrelbn on a Dansaction or bltl, came 1o us on a separate sheaf as soon as possible at the address fa irpuldes shown on the front of Chia statement. We must hear from you n0 later Man 80 days atler we sent you the Hrst fill on wftich the artor or problem appeared. Vw cart WN our Customer Relatlore number or rldiy us by email or websHa, but doing so will not preserve your rights. In your letter, glue us tre lolbwing kdorrrlation: your name antl accdlnt number, the filler amount of the suspeCded error, a description l the ertor and an explanatbn, N)wsaide, of why you believe there Is an ertor, or H you need more Imomalbn, e desdiptbn l Me Hem you ere unsure abaa. Yw do rte have to pay arty arnwM in question while We are Investigating H, but you are atNl obligated a pay the parts l your fill that are not In queslbn. While we Imestlgate your questkn, we eannl report you es delinquent Or take arty action to cdlecl the amount you question. t Spedal Rule for CredH Card Purchases h you have a pobem with Me quality l property or services Thal yes purchased with a trades card eM you have lried'm good faith to oomecn the probem with the merchant you rttey have the dgM not to pay the remaining amcuM due on the property or services. Yw have ibis protedbrt onty wrlen the purchase pike was more than 550.00 and the purchase was made in your home stale or within 100 miles l your malting address. (H we own or operate the merchant, a H wa melted you the advenlaement for the Droperty orservkes, all purthasea are COVBred regardless of emodnt Of bcation l purchase.) Please rerrember to sign all mrtespoMance. t Does rid aDDN to Iwsiness accounts Capital One supports Inlomratltn privacy prded'an: see car wehsHe at yomysaiMlalgpC.f@m Capital One k a tederety regictered servke mark of Capttel One Financial Corporation. All rights reserved. 02008 Capital One Changing Address? Address ........................................................................................... Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink Not quite ready to make payments online? No problem. Follow these simple steps to make sure © we process your payments smoothly: ~ Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `O statement. Using a different envelope could delay processing • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. o .-+ 0 0 ~o o I o co 0 rn o w I m o t~~o b9 00 1~N I Oi0 •• Q ~ I ~D O p V ~ ct o0 O Q m m l r1 .--1 a' n' W op •• LL N V N I a = w~ ¢ I z my W 2' H E V I l7 ~ d w ~ O Q O Q ~ Z I~ I a o f w v ••N J •• LL 00 ply I til N J of X O O d' .--1 Z r-IQZ N 00 QN I p e•i c H a' 0 0 V e~ HOW VI 00 V 1 = Z U••O Q'00 1 lt Qw It amm V1 F •• LL Q 01 0~ p p 1 ZQOpO \ QpOZ I ac00 U I CC I Hp NON 00 Z F W~ W O O O o0 I O ~m V l7 •• VOO w0 O ••tOpNFa' e-i O' ~O 1 N Woo VQ KLL 00 QN ~ X 00 1 X ~ n rl Z~DO nU = QN O O~+ ~~ VlN 1 ~ \ Jw01 Nf~ Orl ~ N Q m .. in vi d I ~ e-1 m 64 p W O O N I I a •• ~ w F- ~oo ~0 1 zo ~ °° ° ~o o 00 1 o ~ w ..~,,, o r rn N ~ O O I ~ J VL W Q••U H 1-m0 Zo00 fm 1 Q o~ N W I J a' p ~ 1 1 O \ W 20 x0 000 of 1 O rl Q O CC Q I~ Q N ~ Ua ~ i O Wei ~ °O r•-I Y In Z V I O '~'I K F1 ~ •• WO W •• ' Q I ~ V1 2 W O a ~ l7 •• ' J 0 p ULLN 1 U x p oc HaUO Q m I o Qww pl IK•• I N wz ~ U a JQI < t -- f 1 ~ ' OCQJ In V H R O 1 HO 3N Q wO NZ H VOO I ° xomi-= o •• H aoo I N V10 oOH VO a'•• m00 H •In fF-OWVIN FOO Z I ^~ J O M1 H Q IL H O O ~ F- l7w J 3 •• V1 W O H I t\ K Z I a Z~ 0 F- ~ O w xZwQ oc a I N d VI Z C H o w Q •• 3 t- ~ I O ~ w U a 0 U o a p l z In I 0 O J ~ O Q U •• F p I O H 1 O 1 Hp•• Z f f- VIJ ~xp ~- 1 KP VI ~ ••MHW H N Q 1 V In ZN f V1LL Q Q F- b U 1 LL •• W Z Z Z L K VIf VL WW I W f- } L VI ~ W J v'fHQ ma J 7 b w l V mpa OaQ aV y ooW Oml7 w I V NQ'f W W •• 7 •7V~ J~•• p 1 W lD e2! f•• Z J W Z Z I O a Z~ 0 2 VI owHQ 3•• Q Q I J I~ff 1 wW ~ a Q ~ Y F Z W p I F- t` Q H O to H e-i d O p V W Z I d N O W ••Ol7 H Q e-I 1' W S' 1 v vv~ov~••a•• oc ~~ Q}xa w I ~t •n paVJ m p o -0 1 0 w f I woe-+owvzp ~ Qf~NO V1 p Z I NO V ~ Q} w w I v+w VxV ~ U l0 F- O Z I O O O ~- I W O 0 0~ f- K 1 O O YWQ ZZ e~ Flt I Ol •-ZZZd OJ O Q W rn ••pOQH Vf M poC 1 ct ••F-J V1mJ•• HO m e~ W H O Q V1 ~ W cr Z 1 1~ O VfSWZ••p WR' in O e-i •• 2 H C' VI H m w J e•-1 H I ••JQ J d ••O 1 Q} Jr-i F Woo 7k OQJ I ~Z OH W a'QHO V FO I HmQF J I l7 f 2f~ QQO W I I m H •• •• O W Q } e•-I VI pN I J ~-- > I p 2 x m V1 J rl d Z Z N U Uw3wV V I Oln Jof QQea I } Uo: W a'aa'YaGW Oe1QQ VI Q'KN U QazUF-Qmaf fN VdO~-'~~""I I ~ ri 6J m ro a 500023 • Q • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One® balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call s-877-476-7939• FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,822.46 - $54.00 + $33.82 + $49.00 = $1,851.28 $55.00 Dec. 12, 2007 Oct. 1B, 2007 -Nov. 17, 2007 Page 1 of 1 PLEASE MY Ai BAST THIS AMWN7 Visa Platinum Account 4121.7470-4464.2835 ~/~Hassle Your Account Information REWARDS TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $148.72 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $148.72 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 51,631.56 0.05956% P 21.74% 533.82 Cash 50.00 0.06504 % P 23.74 % $0.00 ANNUAL PERCENTAGE RATE applied this period: 21.74 Q At Your Service 1-800.9557070 To calf Customer Relatbns or to report a lost or stden card: ® Send payments to: Capital One Bank ~ P.O. Boz 70884 ~ Chadotle, NC 211272-0884 e Send inquiries to: Capital One ~ P.O. Boz 30285 -Salt Laka Cdy, In 84130-0285 For more inforrnalion on your Rewards: Y`h~ Visit www.cap8abne.comlpoinlsrewards Call: 1-800.228-3001 Have a question about a charge an your statement? Please refer to the Billin Ri hts Summa on the ba Rewards Summary Previous available balance: 473 Earned this period: 0 (re8eds Iransadions posted during this bdlirg cycle) Available Balance: 473 Payments, Credits & Adjustments 1 12 NOV Cap 1 ElectronicPhonePmt AuthDate 12-N OV $54.00- Transactions 2 12 NOV CAPITALPAY TRANSACTIONFEE E10.00 3 17 NOV CAPITAL ONE MEMBER FEE x39.00 Capital One Home Loans offers a variety of no hassle home ban products, including (rst mortgages, refinance and debt consolidation bans, as well as home equity loans and lines of credit. Our team of experienced professbnals understands that your situation is unique so your loan solution should be too. You'll have the one-onone attention of the same personal loan consultant from call to close. Visit www.gpitalonehomeloans.com for rtrore information. Capital One is an Equal Housing Lender. g g ry ck of your statement or visit www.caoilalone.com/disoules. 6056 506 1 07 17 071117 PAGE 1 of 2 O1DM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4121747044642835 17 1851280054000055005 CapiitalQ~' what's in your wallet?' Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. $1,851.28 $55.00 Dec. 12, 2007 Address PLEASE PAY AT LEAST THIS AMOUNT Home Phone Alternate Phone E-mail address Q Amount Enclosed #9032269979524810# MAIL ID IrUMBER HOLLY ROBERTSON 2101 nAYFRED LN Capital One Bank CA11P HILL, PA 17011-5433 P.O. Box 70884 irlulnllnlnlrllni lurlllu,illunnllurilrlrlnlulnllnrilriluunlirlnil Charlotte, NC 28272-0884 lnlrllnlurltliuslnlrlllnrlnlrlnlulullnlulnllnrll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies ofyour other credit card or loan statements. i. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at i-877-476-7939 and ask far a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total ofyour transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. Now to Ardd a Finance Charge. T a. Grace Period. You will have a minimum grace perb0 0/ 25 days wilhwl Nmnce charge on new purchases, new Datance translets, new spedal purchases and new other charges X you pay your tolal'New Balance', in arradance with the Important Notke la payments Debw, and in Ilme br it to be uediled by your payment due date. There is no pace gaunt on use advances ant apedal transfers. In addsion, there b ro grace DeriM on any transactbn X you do mt pay Me total -New babrlce' b. Accruing Finance Charge. TransaUiona which are not subject to a grace period ae assessed Nuance charge 1) from the dale d the Vansaclion w 2) teen Me dale Me Ironudiwt is Wucessad to your Arruunl w 3) Irom the (lest celeMx day of Ma wrrent bging period. AtltlXiaWy, tt yw MA na pay Me "New Balance' Irom Me previous nipng period in tuN, finance charges continue to arrfue to your unpaid bnbnce unkl the unpaid belanu is Paid in lop. This means that you may sllA own rnance chargru, nvnn X you pay the entire New Balance iMiratatl on the from of yea statement Dy Me payment due tlate, an rid rid do so fa the pmv'asus month. Urpaitl fnance charges are atlded to the applicebb segment o/your ACCOUm. } c Minimum Finanu Charge. For aaU NNrg pariM dal your arrant is subjed W a finance charge, a midmum trial FINANCE CHARGE d 50.50 wNl he imposed. t d. Temisarary Reduttion in Finanu Charge. We reserve the right 1o riot assess any w an finance charges Ica any givers hAMrp period. 2. Average Dagy Batanu (Including New Purchasee). Finance chage is cekdelM by mullipiytrtg the daily balance m oath soynlenl N your account (c.g., ash advance, purrhase, special transfer, arM special purchase) DY Ina correspoMmg dally periadk rate(s) that has been previously disclosed to you. At lha end of each day during the billing peiiod, wo apdY the daily poriodic talc rot oadt segment o! your arrnunt to the dally balance d each segmam. Then al the eM d tea hiNhg period, we add up the results of Mesa daily celwlations to arrive el your penodk fnanCe Lharge for each segment We add up the rosuNS from earn segment to entve al the total periodic finance dlarge fa ywr armunl. To get the daffy balance for each segment d ywr acwtrnt, vro eke the begimng balance fa eedt segmam am adtl any rww bansactiom ant any parodic finance Uterga celcukled on the previous day's taboo /a Mat segment. we IhM whtrea any paymens or aedile posted as d Mat day Ihsl aro sNocated b Mat aegmenl. This yves us the saperoln daily tetanus fw each snyntnx of your account. HOWCVCr, it yw paid Me New/ Balance shown on your prevlpus statement in top (w i1 ywr new bab~re was Zeno a a credit smarm), new Iramad',ons. which pmt to yow purdtasa w spedal purGtase sngmeMS can not added lu lhn daily DatanC,sb. Wn Cdttd8ln Ihn 8vnrayn deny balance by adding ant Ihn daily babnuu logethar ant dividing the sum by Me number d the days b Me wnent bnlmg cycle. To calwlale ywr Idol finance charge, n,uniply your avdage daily balenu by the daily peliMk rate and Dy the number of days in Rte hipirq period. Due b rcumirtg an a daNy basis or duc to rrtinimum finance chargc asscssment, there may be a vananu betvxen Mis ukulalion and the amount of finance charge aaualy assessed. 3. Annual Percentage Rates (APR). a- TM temt'Annual Percentage Rain" may appear as'APR' nn the brim M this stabment. b. I/ the code P (Quarterly Pnrne). L (Ouartary LIBOR), C (Qpaneny cD), w s {Bankmro Prima) appears pn me from of Ihis stainmeni neat b the perlMk rale(sI. [he periWic rata ant rdrecpoMlrg ANNUAL PERCENTAGE RATER mny vary quaneny and may inaease w decrease Dosed m the staled iMices, as loutd'm The Wall Slreel Jwrnal, plus Ntn margin proviuusly disclosed b you. Thnse dtaMns wiA be eRrutNe w the rlrsl day of your allktg period covered Dy your pedMk statement endtrg in Me mmths M January, April, Jdy and October. c. If Ihn code D (MunUty Prime), F (MwINy LIBOR), a G (Treasury LIBOR) appears on tlw Irons of your statement neat m me ftenoak rate(s), the periMk rases ant correspandirq ANNUAL PERCENTAGE RATES may vary nonlhly end Inay kraeese or decease bused on the slsled intlices, as fuursd In Tha Wall Street Juumal, Dlus Mn margin previously dkUnsM In ynu. Thnse changes vHl he eRadive on the f rst day d your btlling period earn month. ~. Assessment o/ Lele, Owrlimit and Ratumed Payment Fees. Under Ihn InrmS of your wslOrlwr ayrewnnnl, can reserve the right to waive w rid b assess any fees without prbrnotXIcetim to yw without waiving ourriNm to assess the same or similarfees at a latertime. T 5. Muwing Your Account 11 a merMwsltip (ee appears on ttto front of ywr stabmem, yw haw 00 days kom Uw date Ihis statement vws melkd to yw b avid paying the tee a to have such lee uedited to you X you canal your account wilhwl having to pay the membership lee. To cenccl ywr aCOOUn1, You mull notify us by upirtg ow Customer Retaliom Department and pay your "New Balance' in font (eadutlkg the membership fee) Ddor to the end of Me thirty-day period. fi. 1/ YOU Close VW r Account. Yw Un ragUebl 10 dObe ywr aril by celNng our Customer Relations Departmanl. Vw uzt deciroy your aedh cerd(s) ant account acess dte,du;, ul aN preauMonzed billing and ease using your account. Aber ywr request to Dose, it you wnanue to banbaa or tlo not cancel preauthorized biwng anangemants, we wXl crosidu mceiq M a darge your authaliatldt to keep ywr ccounl open. AddnionaNy, your acWUnt will not be dosed until you pay rill erwunls yw owe us indutling: any [ransaaipnb you have authmznd. finance charges, Dasl due feee, overkmX Irma, returned paymem feet, each Mvance fees and any other teas asaesaed b your account. Vou are rosponsiDk ra Inese anwunls vRxlhar they appear an ywr aCawni at the limn you roqunai lu rime Ihn actUUnl a they nod cuRcequent to Yarr request to rime the arawm This may result in dtar(pe nppeenrg on your aeeounl Sher you have requested the acmunl to be dosed. 7. Using Vour Account. Vwr cero ar account cennd be used in neclion wiM any Intemel gamblirtp Iranseaions. B. Notics About Elecvonk Ohack Conversion. When you provide a Uteck m payment, you authorize us eilhnr to use infwmabun Fran your deck to make a orw-lime electronic IoM lronsfnr Irom your bank account or Ia process the pdymeni as a Chbdk Iransacikn. When we Use information Irom yoga Utaclt to make an ekdronic nlntl Ironsler, lands may bn witlttlravnt hunt ywr bank arGwni as soon as the saute day we receive your payment, and you wkn not rewivn your ehrxk bade hom your fmandal institudon BILLING RIGHTS SUMMARY (In Caw of Enas a Quosuats about Vour BiX) H yw think yew do k rmsng, or X ynu need rmre infwmaikm nn a tran58aion or Dill, wale to us on a seperote Shant as soon as pussibin el Ihn addross Iw inquidas Shown on the fnan of tltis blalemnnl. We ritual hear hpm yw no blur titan 60 days abut we aril you Me fins) hill m whkJt the nrtgr or problem aplsearrsd. Vnu all our Customer Relators camber, Dut tldng so will noI preserve your nghla. In your bliw, give us Me following mlwntaam: your name and aressrm wmbnr, mn eager amaalt of IhR auepeaM error, a tlexMplinn d the erica ant an eaplamibn, II possiae, d why you belleve Ihero is an ens; or X yw treed mwe inlamxuon, a descdplian or the item you are unbwn aWul. VW du not Nava b pay any amount n question refine w0 are kwes[patlrtg n, ON yw era bull obligated l0 pay the pans of your bin that are rtol o quectbn. Wdb we kvestigate ywr question, vre cemot reporl Yw es ddinquent a lake any aoliun b cdlxl the antouni you qunslbn. >:, T Spocial Rulc for Credo Card Purchasos If yw have a problem wish the quality of progeny or services that yw purchased vriM a aedX urd and you have trkd in good faith to coned the problem wiM the merdtani, you may nave the ripM not b Day Uro remaining amoum duc on Mo popery or sorvicos. Vou have Ihis prdectlon only when Me purchase peke urea more than 550.00 ant Me puchase was made in your home state a wiMin 100 miles o1 your maNinp address. (If we own or operate [he merChanl, a U we mailed yw the adverilsemenl fw me properly a services, all purchases xe covered regaroless of amount a location of purchase.) Please remember to sign all correspondence. T bus nor epdY ro consumer rroncredd card accwms ~ 1)dcs rot apply ro bUSlneSa oat-crcdif card occopnrs Capital One supporls information pdvary pmleaon: see our wehsua al ynNV.cedtabne.cran. Capital Dne Is a lederolly fegistared bervite mark 01 Capital Dna Financial Corporation. AA rights reserved. m 2006 Capital Otte 7C-09 O7 DMfi056 - 7 -04/10107 Important Notkr. PaymenB you mail to tic nN d vadkd k ywr atcounl as d the busanu daywe receive h, provided (1j you sent the bosom ponbn d INS statement and YOU riled h the enclosed rsminance envebpe and [2) you prymsM h re®rvM in car gaessing meet Dy 7 p.m. ET (7T roon PT). Pleau aAU at least five (5) budrreu days la postal depvery. Payments received by lu at any ahar location a k any other lam may not Ce vedlM as of the day we rcmNe teem. Ou busineu oat's are Monday arwgh Sal Way, esdudiq hopdays. Please tlo rid use staples, Depar clips, ale, when Drepamg your paymea. MOLLY ROBERTSON zio~ MAYFRED LN CAMP HILL, PA i7o»-5433 Oate Use by December3~, zoo? zoo359 12523 68-7z7oiz56o 099o4-oi Pay to the orderof MOLLY ROBERTSON c ~i~rn .7 Doftars CapitalQ11~- RichmonQ VA Memo Purchose Check Signature 11.1 25 2311• is 25607 270 L~:750 i499700D6511• 6056 506 1 0717071117 PAGE 2 of 2 OlDM6056 Just write a Capital One® Dear MOLLY ROBERTSON, Purchase Ch eck~ You have things to do. And now you have an easy, convenient financial tool to help • you get them done-Capital One Purchase Checks.* Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no_transaction fee! thln~5 y0U Want t0 CIO... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a ' ' personal check. They re especially handy when credit cards aren t accepted. Use these checks with confidence. Whether you use them for cash or purchases, you won't pay a transaction fee when Remodel your home you use these Capital One Purchase Checks. Save time and money. Pay tuition Use your Purchase Checks to transfer higher-interest-rate credit card and loan balances. That way you could have fewer bills to pay each month. Plus, you could paV less interest. Boolc flights and hotels You've got things to do...get them done with these Purchase Checks! Thank you for your time, /"'-~ Pay some bills ~ ! ~'~*~~ ~ ~MI~U+I. j~pµSPC?1Ck 1 Get cash for things you P. Taylor Jamison ~\~~~J " want and need Director of Accounts ~ Want to trans/er a bafonce now? Cai! ~-800-955-7070 orgo online to h ttps://irons ferbolances. copitolone-com/a/J'ers- MOLLY ROBERTSON zno~ MAYFRED LN CAMP HILL, PA ~7oii-5433 Poy to the orderof 09904 zoo359 1252/{ 68-7z7o/z56o ogyoy-oi S DoNars C'apitalQy~° Richmond, VA Memo P.S. You can use Purchase Checks just about anywhere! Please remember to use them by December 3i, 2007. *Please see the reverse for important information about using these checks. Purchase Check Date Use by December3~, zoo? 11^L252411^ 1: 25607270 Li:750L499700D6511^ Got questions? We've got answers Purchase Checks Q: What is the APR for using my checks? A: The same as your APR when you make a purchase with your credit card. It's easy to get some extra cash for this busy time of year. Just write one to yourself, and deposit it in your checking account. Q: Is there a transaction fee? A: Nope! There's no fee. {No kidding.) Q: What can I use my checks for? A: Use them wherever you'd use your personal checks-and get the same great rate that comes with your Capital One card. Or, use them to save yourself some money! Transfer higher-interest loan and credit card balances to your Capital One account (just not other Capital One accounts). Q: Are these checks hassle free? A: You bet! They're accepted wherever you'd normally use your personal checks. You can also use them at places that don't accept credit cards. Talk about convenient. Balance Transfers Q: Why would I want to transfer balances? A: How does saving yourself some money sound? Transfer higher-rate balances to your Capital One card and you could save money in interest. Consolidating your debt also means you could make fewer monthly payments. So you save time, too. Q: What kinds of account balances can I transfer? A: Personal loans, student loans, auto loans, home equity loans and others, too. Basically, anything you've borrowed -except balances from other Capital One accounts. Q: How do I transfer balances from other accounts? A: It's easy! Send the enclosed check like you would a normal payment. (Just don't go over your available credit line.) You can also transfer balances online at https://transferbalances.capitalone.com/offers. Or call 1-800-955-7070 and we'll take care of the rest. Q: If I transfer balances, will my other accounts be closed? A: No, not unless you contact your other creditors and ask them to close them. Purchase Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transaRions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used as a payment on any Capital One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. (9) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check{s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in Lull force and effect. 2007 Capita[ Onc .Srrvirec, Inr. Capita[ One iJ a frdrraUy regittrrrd 3rrvire murk. ALL rights rrtrrved. m 0 m 9 m m G m m O a 0 O T O G m a z O a u! m G1 Q n a m m 9 m O T a m z z n a 2 N -~ c O Z N m 500023 ~ Q • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One® balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a tot of checks. Ready to transfer? See reverse to learn how. Catl i-877-476-7939• FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,851.28 - $55.00 + $32.94 + $0.00 = $1,829.22 $54.00 Jan. 11, 2008 Nov. 18, 2007 -Dec. 17, 2007 Page 1 of 1 PLEASE PAY AT 11:0.57 TIeS AMWki Visa Platinum Account 4121.7470.4461-2835 ~/NoNasSle Your Account Information ~.. REwnaor TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $170.78 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $170.78 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,843.44 0.05956% P 21.74% $32.94 Cash $0.00 0.06504% P 23.74% $D.00 ANNUAL PERCENTAGE RATE applied this period: 21.74 Q At Your Service 1-800.9557070 To call Customer Relations a to repon a lost or stolen card: ® Send payments lo: Capital One Bank ~ P.O. Box 70884 ~ Charlotte, NC 28272-0894 A Send inquiries to: Capital One ~ P.O. Boz 30285 ~ Salt Lake CNy, UT 84130-0285 For more information on your Rewards: h1/ Msit: wvw~.apitabne.comfpdntsrevrards Call: 1-800.228-3001 ® Have a ques8on about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caoilalone cortlldisoutes. Rewards Summary Previous available balance: 473 Earned this period: 0 (reflects Transactions posted during This btlling cycle) Available Balance: 473 Payments Credits & Adjustments 1 OS DEC PAYMENT $55.00- Capital One Fbme Loans offers a variety oT no hassle home ban products, including first mortgages, refinance and debt consolidation loans, as well as home equity loans and lines of aedil. Our team of experienced professionals understands that your situation is unique so your ban solution should be too. You II have the oneon-one attention of the same personal loan wnsultanl from call to close. Visit www.wpilalonehomebans.com for more informaton. Capital One is an Equal Housing Lender. 6056 506 1 07 17 071217 PAGE 1 of 2 O1DM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 4121747044642835 17 1829220055000054000 Cap%tal~'1e• what's in your wallet?' New Balance Minimum Payment Due Date $1,829.22 $54.00 Jan. 11, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital On¢ Bank P.O. Box 70884 111rrlllrrrrtrllrLri~l Char lott¢. NC 28272-0884 1u11llnlurlrllnLlnlrlllnrlnlr~ulnlnllrllnlnlln111 Account Number: 41 Z 1-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Ahernate Phone #9035269979524817# MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYFRED LN CAtIP HILL+ PA 17011-5433 uLlilnriilunrrllnrllrlrlnl ulnilnrll Liluunllrln Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies ofyour other credit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at i-877-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. q. Be sure the total ofyour transfer requests doesn't exceed your available Capital One credit tine. 5. Enjoy the time you'll save! 1. How to Avoltl a Finance Charge. T n. Grace Period. You wiN have a minimum grace period of 25 days wehout fiwnce charge on new purchases. new bounce trans/ers, new apedal purchazes antl new oMer clwrgea Y you pay your total'New Bakroe', in acc«darrce With the Important Notice f« payments Ddow, and in Ilene for it to De «adiutl by your payment due dale. Thane k ro gate period on cash atlvaroes aM spedal translen. In adddion, there Is ro grace perod on any iren88tlbn it y0U tla not pay the total -New balance.' D. Acendnp Finance Charge. Trensadipna which are eat suged to a grece penotl are osseasad finance durrge t ) from the dale d the Irensecbon «2) tram the data the Iransedim is laacessad to yvw Arxounl «3) Irwn inn frcsl calendar day d Me nrnent biNing period- AddNi«wly, x you ditl not pay Me'New Bounce" Iron Me previous piling period in fuN, finance durpes rnrltinue to accrue to your unpaid balance until me unpaid bounce is Daid in fuN. This means [hat you may stltl owe finance charger, nvem N you pay the entire New BAlance indkaud m the front 01 your sutement by Me payment due date, but did rot do so f« the prevous month. Unpaid f rice charges are atlded to the applkabk segment d your Actoum. t c. Minimum Flnanea CMrge. F« Hach tilting gated Mat ymr account's: subjed to a fimnce Charge, a Mnimum Idol FINANCE CHARGE d 50.50 will De imposed. t d. Temporary Raductim in Finanee CAargs. We rrrcervn Me rignt W rid aessss any «all Tinance charges 1« any giver bNNnp pMOd. 2. Awreps Dally Babnu (Including New Purchscast Finance charge is cakulatetl by mWlipiyinp the daily balance of each srtgmont d your accpunt (o.g., rash advance, purduae, special Irerrsfer, and spedd Wrdtase) by Me correspond"rip daily peiodk rate(s) Md has been previously diatloaed W you. At lha antl d earn day during mo bNling period, we apdy me daily periodic rate for oath segment d your accoum to the daily balance d each segment. Then at me end d The dllkg parted, we add up the results d these daily celculatlons to anive et your periodic finance charge (or each segmem. WB add up Ure r95uNS from each segment W anlw al the bid periods finance Charge f« your atuWni. To gel Me ddy balance for each segment d yaw ecccunt we uke Me begiminp baknce far eatlt sepmem and add «N' new trnnsetrtions and any perbdk finance charge calcu191ed m Me prevbu8 days pounce /« Mat segmrmt. We then auhtrad any paymems or «edns peeled % d that tlay Nat are atlooled a Mal segment. This gives us Me seperale tleNy baknce r« each segrnan of yew aCCOUnI. However, H you paid the Nnw Rotarian shown on your preWOUS sutement in fiat (or Hyor new balance was Zero «a credH artwunt), new hensadiona, whirJt post to yew purdtese «apetial purchase segments ere not addetl f0 ihn dally balenGnb. wr0 CalCUleln ihn everega daily balance by atldkg aN the dairy bounces together am diWding the sum by Me number of the days M Me curiae[ biting cytle. To wiculnle your Idol finance charge, mWtipy your average daily bdance by the daily periodk rate end by the numwrr of days in dtE blNing period. Due to rounding on a daily bask «duc to minimum finance charge assessment (here may be a variance between this cekulatim and the mount of Ilnance Charge atluelly assessed. 3. Annual Percentage Rates (APR). a. Tlw Inrm'Nmud Pxcenlaye Rau" may appear s'APR' on Me Irnnt nl this sutement. b. II the rode P (DUaneny Prime). L (Quarterly LIBOR), C (Ouanedy CD). «S (Bankwrd Prime) appears m the front of MIS statement nett W me periudk ralr(s), the Deriudb rates and conecpmmrg ANNUAL PERCENTAGE RATES may vary qumeny and maY invease «deaense booed m the s Wed indices, as found in The Wall Slreel Jmrnal, dos Ute margin prrrviously disdusrrd b you. These drenpaz wiN be ettecWe at the lint day of your dking period covered by your periodk staurtaml Ending in the mmths of JAnwry, April, JWy antl OdoDer. c If the coda O (Mmmly Prime), F (Monthly LI80R), « G (Tr asury LIBOR) appnan on tlw pmt ai your statement nest b me periodk rate{s), the perkdic rates and mnespoMing ANNUAL PERCENTAGE RATES may vary monUdy end may ir«ease or daueasa based m the slated ildlces, as found in The Wall Sirwt Journal, plus the nvugin predoudy dkdnaM In you. These drangea vAll txv ettedive on the first day d your b&inp pedad each mmM. a. Accessmenl of Lals, Ovellmit and Returned Payment Fees. Under liar [arms of yrarr arstomar eprnMranl, we reSENe MB right IO waive « rid 10 aasau any lees wkhOUl prlornotifiralim royou wnhmtwaiNnpour rprtl toassess Me same «similar fees at a lalertime. T S. Renewing Your Account II a membership Iw appears m Cho front d your sutement you Ivw 30 days hem Urc tlate Mis sutemem was mailed W you b avoid paying the tee «l0 have such fee «edited to you it you cancel your account wiMOUI having to Dey the maNxnhip fee. To orxcl your account you must notify us by WN'my mr Customer Relatims Department and pay your'New Bounce' In tuN (evdudinp the membenNp lee) prior W the ens or un mirty-day DEdod. 6. 1/YOU Close Your AE000nI. You Uri request to close your accoum by ratting our Customer Rdationa Department. Vou moat destroy yew vedN card(s) and account amass da;dns, rral aA preaumorizetl DilGng and cease using your account. After your request W ekrse, II you continue to Uerlsad « do not cencel preawhorized blNing amengaments, we will conader re tip d a rsurge your autrorizatlm m keep your count open. Atldbianeay, your acwunl will not be eased unlit you pay dl amounts you owe ua indudinp: any [ransadans you haw sum«izrd, finance charges, past dun lees, rnnnlmil lets, retumM pAymem lees, rash advance fees antl any other lees assessed to your aawum. Vo are respmaale 1« Itane amount whether trey appear m yon eCCUVnI ai ihn Umn you request lu duaa Ihtl account «lla:y are' arced subsequnm to your request m dose dv Armunt. This rtay result in rhargra appearing m your aeounf Wrier you have requestetl the ncounl to be dosed 7. Uainp Vour Account Vour card or account caned be used in enaction wiM any Internal gambling Iransaclions. 8. Notice About Electronk Check Conversion. When you provitle a Neck as payment, you authorize us CNher lu use inl«matim bum yWr check Wmake orate-lime dectronk fund transfer Irom your bmk account or to prow s Ina payment as a [heck Irenaadbn. when wa use nfgrrrlatlOn 1rm1 yew dxtk to make an electronic Nntl Irensl«, Iwrds may be wNhtlrawn from your bank account as soon as the same tlay we receive your paymem, and you will not r,xaNe your check back prim your f ancial inttilulim. BILLING RIGHTS SUMMARY (In Casc o/ Errors «Quccfiona about Vour Bg) N you Ihhk yew Dill is vaonp, or H you need more Inf«matinn on e tnnsectbn or Dill, wore to us m a separate sheet as soon as possible et Ihn eddra66 lw inyuirieb shown m the Ironl u! Ntis suumenL Wa mUat beef frpm yw rip Idw than 60 days after we sent you the fiat hill on which the error or problem appeared. You can fall Our Customer RElellons number, but ddng 6o will n01 preserve your nghu. In your Mlle, give us me fallowing inf«matlm: your name antl account number, me OWUr anaamt of the suspedr-d anon, a descrpton d the nn« and an evplanauon, H possible, d why you Delisw there is an enw; or N you need more inronrwlim, a description of Ms item you are unsure about. You tlo not haw to pay any amount b queslim VRrib we era klwsD9Ageg II, bUl yW dre Gill oblga[ed IO DAy the pans of your Dill teal are rid m questlon. Whik we Investigate your questim, we tams repon you as tldinquent or take any ad'gn W Collect Ihn amount you qunslkn. >;, t Special Rulc for Crodil Card Purchases H you haw a problem with the qualpy of progeny or services that you purchased veep a «edil card and you hew tried in pmtl faith to coned the problem wiM the merchant you may haw the ripM rid b pay Uro romainkg amount due on Me property «scrrices. Vou have Ntlc prdettlon only when Me purchase Drke was more Man 550.00 and Me Dwchase was made in your home sate or vrimin 100 miles of your mailing address. (II we own «operale the merchant « M we maNed you the advenisemenl 1« Ina progeny «serWcea, all purchases are covered regardless of am«nt «localim Of purchase.) Please remamDe to sign all CarreslaOrdenCe. T DOES roe apply to consumer ronsred8 card accounts Does riot apdy 10 businoas non-cmdtr taro accounra Capiul One supports inlormelian Dhwcy Vrolecbm: see our wnbshn al www radiakate.CUm. Capiul One k a lederely registered service mark of Capiul One Financial Corporation. AN righu reserved m 20DS Capital One TC-Otl p1 pM6UbD - 1 - U4/1UAI / Imprrrtanf Ndka: Paymenla you mat to us r/a Ix uedkd b you e«ount as d iM Wsineas day rre receive N, Pfd (1) you seM Ile boaam ponkn d Uds sletamenl and your ded;'n tle endoaee nmyun2 envebpe and rl) your payment k ncdved m our Poteailn9 tinter by 7 p.m. ET (12 roan PT). Phase aAOw at Meat five (5) bushess days is postal deavery. Payments nreivetl Dy us at any erne kralbn « n arty dher lam may not be aedied es d Me day we naive tlwn. Our braknss days are Monday Nvough Satsday, erdd'np AdidaYa. Pkase do not use stapes. paper clgs, dc. when Peparig your payment. MOLLY ROBERTSON zmt MAYFRED LN CAMP HILL, PA s7ott•5433 PayToThe Order Of MOLLY ROBERTSON Use byJanuary jt, zoo8 Date VOID Purchase Check ~apitalQ~° Richmond, VA Memo Signature II•i252511' r: 25607270i~:750i4997DOD6511' 200360 12525 68-7z7o/z56o 099o5-ot S 0 6056 506 1 07 17 071217 PAGE 2 of 2 O1DM6056 Dear MOLLY ROBERTSON, With the enclosed Purchase Checks," you can access your Capital One" account almost anywhere-and in a number of ways! There's absolutely no transaction fee for using them and they carry your purchase rate. Here are some ways you can use Purchase Checks: Transfer higher-interest-rate balances and you could save money. - ~' Use your Purchase Checks to transfer outstanding balances on other credit cards, department store cards or loans. - ~ Simply write a check toward the balance and it will appear on your Capital One account at your purchase rate. Move other higher-rate balances today and you could start saving with fewer payments every month! Put them in your wallet and use them to make purchases. ~(~'~(L~ Purchase Checks are especially handy at locations that accept personal checks but don't accept credit cards. >~`` So, whether you're making a big purchase, buying electronics-or just buying groceries at your local wholesale club-your Purchase Checks give you an easy way to pay. Make a major home improvement. '~ Remodel your home with the kitchen of your dreams. Buy the new furniture you've been eyeing for your living room. Replace that leaky faucet or build the addition you've always wanted. There are a lot of great ~ Y 1~ ~ 1r ways to use your checks. Use them to cover other expenses. Your checks can be used to pay for travel, school tuition-even bills. Simply use them like you would a personal check and enjoy the flexibility of paying over time it you wish. Use your Purchase Checks for almost anything you'd like. Just be sure that the total of your checks is not more than your available credit line. Don@miss out -use your checks by January 31, 2008 or call us at 1-877-476-7939 to transfer today. forodetionor in/onnation aboutusing Sincerely, your checks, please see .A1rllA~ the bocko/this page. P. Taylor Jamison, Director of Accounts P.S. Use your no-transaction-fee Purchase Checks today and take advantage of your purchase rate. You can use them just about anywhere! ' See back of letter for important information about using these checks. MOLLY ROBERTSON xtot MAYFRED LN CAMP HILL, PA t7att-5433 PayToThe Order Of_ GapitalQy~° Ri[hmonQ VA Memo Purchase Check Date Use by/anuary3~, zoo8 Signature 200360 12526 68-7z7o/z56o oggo5•ot S 0 11^ L 25 2611' r:25607 270 X1:750149970006511' 0 ao m Z N 0 a~ G ~ m x o~ m m O- a w T zz D 9 2O n a ~~ zZ ~ m ~ m c c ~ E ~ y 2 = N ~ m r ~m Answers to frequently asked questions about Purchase Checks Q: Why are there checks in my statement? A: The enclosed Purchase Checks offer you another easy, convenient way to access your Capital One account. You can use them virtually anywhere, for almost anything you wish. Q: Are these checks safe to use and to have around? A: Yes, with our SO Fraud Liability policy, you're not responsible for unauthorized charges to your account if a Purchase Check is used without your knowledge. Q: How are Purchase Checks different from my personal checks? A: You can use Purchase Checks just like personal checks. The difference is that instead of drawing funds from your checking account, Purchase Checks take advantage of the available credit on your Capital One account. Q: What can I use my Purchase Checks for? A: You could use your Purchase Checks for almost anything: consolidating credit card debt and loans (except Capital One accounts), taking a vacation, or making major home improvements. Or, deposit the first check, that's made out to you, into your bank and use the cash for whatever you want. Q: Why would I want to use my Purchase Checks to consolidate debt? A: You could save money by transferring higher-interest-rate balances to your Capital One card at your current purchase rate. And, by consolidating debt, you could have fewer payments to make for greater ease and convenience. Q: Where are Purchase Checks accepted? A: Purchase Checks are accepted wherever you'd normally use your regular personal checks. You can even use them at places that don't accept credit cards. Q: What annual percentage rate will apply when 1 use my Purchase Checks and is there a transaction fee? A: You will receive the same APR you currently enjoy on purchases made with your credit card and there is no transaction fee. Purchase Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used as a payment on any Capital One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. (9) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. $0 fraud liability claims are subject to verification and investigation. © 2007 Capita! One Services, Inc. Capifal One is a federally registered service mark. All rights reserved. o m a O 2 m O O a ~ ~ < ~ N oa m T m = m m aD z z z' n$ ~~ z z ~ m ~ m ~ C 2 ? y~ m r * m 500008 CapitalQ~' what's in your wallet?' It could happen to anyone. Make sure you pay the amount MOLLY ROBERTSON due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS ~ do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES ~ ~ e BETTER INTEREST RATES (good credit could mean lower interest rates) a e ~ IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ~ 2006 Capital One 5ervira, Inc Capital One it n fidrrally rrgittrrcd service mark. ,911 rights rrrrrvrd. 500008-08503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,829.22 - $0.00 + $33.45 + $39.00 = $1,901.67 $111.00 Feb. 11, 2008 Dec. 18, 2007 -Jan. 17, 2008 Page 1 of 1 • :. rt[nsE ear Ar ttnsr 4HS anwuNr Visa Platinum Aeeounf Your account is one payment behind. Remember that making your minimum payments by the due date keeps 4121.7470.4464-2835 your account in good standing. Funkier missed payments may be reported to the rational credit bureaus. So ~JgpJ~/el5S1e make sure you send in the m mrnum amount due to keep your accoura in good slandirg. Your Accountlnformation REWARDS TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $98.33 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $98.33 Finance Charges (Please see reverse for important intormation) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,854.09 0.05819%P 21.24% E33.45 Cash $0.00 0.06367% P 23.24 k $0.00 ANNUAL PERCENTAGE RATE applied this period: 27.24'A Q At Your Servicel-000-955.7070 To wll Customer Relalbns or to repot a bst or stolen card: ® Send payments lo: CapBal One Bank ~ P.O. Box 70884 ~ Chadotle, NC 28272-0884 Rewards Summary Previous available balance: 473 Eamed this period: 0 (reflects transactions posted during 1N5 billug cycle) Available Balance: 473 Payments Credits & Adjustments Transactions 1 11 JAN PAST DUE FEE E39.00 Under terms previasly disclosed to you, some or all of your Annual Percentage Rates (APRs) have been e Send inquiries to: increased since your account was past due twice in the past 12 billing cycles. If your rates have already Capital One ~ P.O. Boz 30285 ~ Sall Lake CBy, UT 84130-0285 increased, subsequent delinquencies extended the duralbn of the increased rates. Remember: If we receive For more information on your Rewards: your minimum monthly payment on time for 12 consecutive billing cyces, this account will be reviewed for a a1% Visit wew.capitabne.comlpoinlsrewards possible return to your Non-Introductory APR. Call: 1.800-228-3001 You were assessed a past due fee beceuse your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach ® Have a question about a charge on your statement? Capital One. Please refer to the Billing Rights Summary on the back of your statement or visit ~adlalone coMdisoutes. 6056 506 1 07 17 080117 PAGE 1 of 1 O1 OM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 4121747044642835 17 1901670055000111008 CapitafQ~• wha,•s in your waneu• New Balance Minimum Payment Due Date $1,901.67 $111.00 Feb. 11, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ~~ Capital Onse Bank P.0- Box 70bb4 Ir~nlllnu~u~ulrll Charlotte, NC 26272-Ob84 ~n~r~~nlnr~r~~nrlnlr~~lnrlnlrln~n~n~~u~u~nl~nrl~ Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mai! address #9001869979524814# M}1IL ID NUMBER HOLLY ROBERTSON 2303 nAYFRED LN CAMP HILL, PA 37033-5433 rrJlLrrlllrrnrJLrrILLLrLtLrllrrrllrllrrrrrrllrlrr Please write your account number on your check or money order made payable to CapRal One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finanu Lharpe. } e. Grace Parlod. Vou vdl have a minimum grace periotl of 25 days wimwl finance charge on new purchaus, new Daknce translers, new spacial purchaxs and new other charges A you pay Your lotal'New Baknce ; in accordance with the Important Nolke /err payments beksw, and in time for it to be eredked by ywr payment due date. There is ro grace period on wsh atlvances and special transfers. In addNion, thxe k ro grace period on any transaction it yw tlo not Day IfK lolal'New Daknce.' b. Accruing Finance Charge. Transadbns wNU are not subje<I to a grace period are assessed finance charge 1) Iram the dale of the IronsaCllon a 2) from the date the trorsseaion is processed to your Account car 3) Irern Iha first caleMar day of me wrrent bipbg praiod. Mtlaionally, Y yw rNCI na pay me'New Bakncri Irom the prevbus bWirg period in fuN, finanar thereat continua to aouue to your unpaid balanar until the unpaid beknar k paid in fuY. This means Thal you may cdY own finantn chayns, awn n yw pay the, enlirR New 8alanra indi tired m m91ron1 0l yaR statemanf by the payment tlue date, bd ditl not do sofa me previous month. Urysaid fmance charges are added to the appliarbb segment of your Accwrt T c. Minimum FMerres Charge. Fa a9cn Nlling D°^^d mat ywr a <q,mt k sub)aa b a 6r'wvn charge, a minimum total FINANCE CHARGE d 50.50 wYl ba imposed. } d. Temporary ReducBOn in Finance Charge. We rnxnre the right to not acxas any a aN finance charges ier any given NINnp period. 2. Ave rape D9Ny Balanu (MGuding New Purchases). Finarwe charge is arkulatetl by muNiplying the tlaiy balance of oath segment o/ ywr acwunt (e.g., cash advanw, purrhax, sped Vanslp, and specal pucchase) by the caresporrdinp daffy periodic rate(s) that has bean previously tlisaosetl W you. A[ the end of Hach day tluring mo bilNng period, wo apply the daffy periodic rate for ea h segment of your arcwm to the dairy balance of uch sepmem. Than at me end of the hillkg period, we add up me results of these daily plwlalions to arrive al ywr periatlb finance charge for uch segment. we atld up Ine resuns from each segment b anlve at the Total periodic fnance charge la ywr auuunt. Tp gel the daily baance for uch xpment of ywr arxoum, we lake ifs beginnitg beknce fa each segment and e0tl any new tranxclbns orb any parodic finance charge calwkted on the previous days balorXa /or mat xgntam. We ihnn subsrarJ any paynrams a vadks posted es of that day That are aNaarrcd to that xgmenf. This gives uc me separate daily beknar rw eaa, segnxna cal your acmum. However, if you Doid the Nnw Balarx;n snuvm on your previous statemem in NY (a rt ywr new habrsre was zero a a cradN amwm), new trorssaabns, which post to ywr purchase a spacial puml,ase segments am not addetl lu the daily balances. Wn Wlwlak Iha average daily halanee by ceding aY the Bally haLnnrrs together one dividing the sum by the number o1 the days in the current bNing cycle. To ulculale your total linanar charge, multiply ywr averafle daffy balance by the daily periodic rate and by the number D1 tlays in me bilNng pedoe. Due to rountlirp on a dairy basis a due to minimum finanw charge asussmenl, Iherc may be a variance bahveen INs wkuktion and the amount of finsnar charge aoWaly assessed. 3. Annual Percentage Rates (APR). a. Thn tnm,'Am,ual Pnrarnuge Rafe' may appear as'APR' on du front d this sutnmanl. b. If the code P (OUanerly Prime). L (OUane.y UBORL C (Ouanerty CDC a S {Bankarrd Prime) appears an the rronl ul leis statemr,q next b d+e pedudb role(s), the periW is rases and mrresDOnding ANNUAL PERCENTAGE RATES may wry W arlerly and may iaxeax a deaeau based on the slated kdices, es Iwnd in The Wall Slreel Jwrnal, plus Iha margin previously disd sad W you. Theca a,angas will be ertecl'we on the first day of ywr OWing penal covered by your pedodb natament endhg In me mmma of January, Apnl, JNy and October. c. Ir Iha coda D (MUnlhly Prime), F (Monthly LIBOR), er G (Treasury LIBOR) appears on mn front cat yea sutemnnt pea to NR penodk rate(s), ME Irerbeic colas And wmesponding ANNUAL PERCENTAGE RATES may vary manu,y end may inueax or deaeese baaad on tea staled indices, as iwrM k Tha Wall Straal Jwmal, pus the rrsargin previously eiaaoaad to you. ThRSR rharlgas will be erteaWe on fee first day of your DWirg period each mmth. ~. Acwssmenl of Late, Owdimil end Returned Payment Fees. Under IM lem~a of yew walonaN agreenumL we reserve me right ro waive a not to assess any lees wimou peer notifiralion m you without waivsq outright to assess the imilarfen el a latertime, T 5. Rerrewinp Your Account If a membership tee appears an me front d your statanem, you haw 30 days hem me dale th's stakmem was mailed to yw b avoid paying me fee a tp have ouch ix aediled m you N yw arnarl ywr accaml velhoul having to peY lee rnenibershiD lee. To canccl ywr acmw,l, yw must eerily us by wNirg ow Customer Rektims Department and pay your'New Balance In fuY (exdudinp the membership fee) prior [o the end of the thirty-day period. 6. If You Clox Your Aeeount. Vou Was request to dose your ac[oum by calGrg our Cuslamer Reladone Department. Vw must destroy yew aerie card(s) and armwn access drcass, cancel tip preauthodLed bilkn9 end pease using ywr account. Annr yew request b sox, it yw [ondnue b aamaa or do not canal preawhonzed baling arrangements, we will rgncider rcrxipt of a charge your aulhne2ndm to kRap ywr ant open. AddkionaNy, your account will not be closed ~md yw per ell arannk yon awn nor mauling: any IranaapGOna ypu have eumeriznd, finanar charges, peal tlue fear, rnerkmil leas, mNmerl payment leas, rash advance foes and any timer fees aasesud to your amount. Yw are responsible fa these armunk wt,elhw Ihey appear on your aceuunt at inn time you request to dose the accuum w tl+ey are incunM subsRqunnt to your roquan b dnae the account. Task may reaun in ararges appearing qn year a[mum aNer yen have requested the account to be [loud 7. tieing Your Account. Your wrd or account rental be used in wnnedion with any Internet gambling Irensecbons. 6. Notice About Electronic Check Conversion. When yw provide o check as payment, you authorize us enh9r Ica use inlerma6un from yrwr cheek b nsalsn a one-6me Neclronk land trerMar from your bank account or to process INa payment as a eheok t2rrsaawn. Wnen we use inlomwlbn Iran you a,erk to make an elearonic Ned transfer, /ands may bas widdravm hum your bank arcwnt as soon as d,e soave day vve reuiw your paymeN, and you will rot reariva your check back keen your Nundal nadtulion. BILLING RIGHTS SUMMARY (In Cax of Enorc a Ouonions abous Your BYI) n yw minty your NN is vearp, or if yw need more inlamotlon nn e [ronsactbn or biN, write to us an a separak sheet es soon as pussihla el the address Iw inyuines shown on Iha (runt of d,is st8lamant. We mU9i near from yw no later dean 60 tlays after we sent you me first MN on svhlcrl dvs error a problem appeared. Vou can [all car canORMr Rektbna camber, bw tldng So wNl not preserve your dghk. In your teller, give us me lollowirp iniermadon: yaw name and account number, me tlouar emwni of the suspeaetl anon, a descdpibn or the anti one an explanatipn, N posMDk, a why you believe there Is en error: or N you need mwa inlomwdon, a deunylbn a/ me item yw are unsure about VW do not haw to pay any amount in µrealion v+hik we are mvestigatlrp n, but yw tiro alit obligated to pay Ine pans o1 you bNl that era trot in question. While we inwctigale your quesion, we Cannot capon you as deknquent a take any eGbn lu udle[t the amount you question. >r, T $DC[lil flub for Credit Card Purchases t(yw have a problem wim the grsalay of properly or servkas Nat you Durchased with a aetlif card and you haw tried in good lank to coned Iha Drobkm with the merchenl, yw may hew the right apt tD pay the romainkg amwm due on the poporty or aorvicoc. You have mis prdeabn only when me purchase price was more than 550.00 aM Ne Durchaae was made in your home state a vdmin 700 miles of your rrailinp address. (II we own a operate the rnerchanL a A we mailed Yw the atlwnlsement fa the properly a services, all purchases are covered regardless of amount a location of purchase.) Pkax remember to sign all carespoMenu. T Does not sppty to consumer non-credd card accounts S boos nor opply to business non-crodd cxd xmunls Capial One supports information pdvary proleclion: zee our wnbslle al www caoilak a Capital One h a Ie0erauy regidered service mane of Capital One Financkl Cprporatlw. AA nghk reserved. ®2006 Capital One TC-De Inponanl Netke: Paymenk you maM b us vAM be credNad b your accdnl az M Ue IwdMU day we reane A, Draded (1) yw send tae bottom portion a tfb sulemem and you rilesk in the endosad remAkna envaklpe and (2) yew paylrunt k received b our pracazsirg timer W 3 p.m. Ei (t2 noon PT). Reau aYOw al Inn five (S) buemss days M tmW delivery Payrank rewired by us at any other bcilion er b any other form may not tr pediled as d tM day we 2ahre been. Our business days are Morday tMwgh Saturday, eadWhg Midays. Plisse do not can elegies, papas sups, etc. when prepafig ywr Payment 500008 CapitalQy~• I wharsinyourwauetY It could happen to anyone. Make sure you pay the amount MOLLY ROBERTSON due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES ~ ~ ~ BETTER INTEREST RATES (good credit could mean lower interest rates) ~ ~ IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ~ 2006 Capital One Sersirer, Inc. Capital One it a federally rrgirtered rervice mmk. A!! rigbtt retenied. 500008-08503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Paymenf Due Date $1,901.67 - $54.00 + $35.12 + $39.00 = $1,921.79 $114.00 Mar. 14, 2008 Jan. 18, 2008 -Feb. 18, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.44842835 _,~~le Your Account Information ~ REWARDS TOTAL CREDIT LINE 32,000.00 TOTAL AVAILABLE CREDIT $78.21 CREDIT LINE FOR CASH 32,000.00 AVAILABLE CREDIT FOR CASH $78.21 FlnanCe CllartJes (Please see reverse for important informatron) Balance rate Periodro Correspondng FINANCE applied to rate APR CHARGE Purchases $1,886.20 0.05819% P 21.24% $35.12 Cash $0.00 0.06367% P 23.24% $0.00 ANNUAL PERCENTAGE RATE applied this period: 21.24% Q At Your Service 1.800.955-7070 To cal Cusbmer Rekatbns or to report a bsi or sto~rl aril ® Send payments to: Capital One Bar4c • P.O. Box 70884 • Charbtle, NC 28272-0884 A Send Inquiries to: Capital One• P.O. Box 30285 • SaN Lake City, UT 84730-0285 For More Information on your Rewards: Ysit: vmw.capilabna.am4nintsrewards fat 1-000-22&3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your siatemenl or visit www caoitalone coal/dlsoutes PIfASF PAY AT LFfST THIS AAI(x1NT Your 3!'LOUnt 5 ~:Ite payrnert hetklrGl. Relnelniicr that m3klny yCtir mlrllmL'm payyment_ by ll`a due dae ke~f~; your acccunl in eend slar~cing. Further missed paymer:4 may be r~nrl•xi ;r, ;Ix' national cmdit bur•.'<us. Sc make ^.ure you sera' in the. minimum amount due ;c kay, Y~tu accrn;n! in g>; 7 standirq; Rewards Summary - Previous available balance: 473 Eamed Ihis period: 0 (relhcts transactions posted during this bifrg qcb) 473 Available Balance: Pavments Credits & Adjustments 1 25 JAN PAYMENT $54.OQ Transactions 2 11 FEB PAST DUE FEE ~ ~ Under terms previously disclosed to you, some or ag of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember: Ii we receive your minimum mouthy payment on time for 12 consecuLNe billing cycles, this acccunl will be reviewed for a possble return to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due date. To avail this fee in the fuWre, we recommend That you albw at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO WWw.CAPTTALONE.COM TO MAKE YOUR PAYMENT ONLINE. Capital ~' I rrnar: i~ your wanes>. 0 4121747044642835 17 1921790054000114008 New Balance Minimum Payment Due Date $1,921.79 $114.00 Mar. 14, 2008 PLEASE PAYAf LTASI THIS AF40UfJT Amount Enclosed . Capital One Bank ~r~rr~~~rrr~rrt~r~rr~~ P.0• BOx 70884 Charlotte, NC 28272-x884 ~n~t~~N~nr~r~~nr~n~r~~~m~n~t~n~n~n~~n~n~n~~nr~~ Account Number: 41 Z 1-7470-4464-2835 Pease print address or phone number changes below using blue or bWck ink. Home Phone Ahemate Phone F•mailaddress ~ 119005069979524817ii MAIL ID NUMBER MOLLY ROBERTSON 2101 MAYFRED LN CAMP HILL, PA 37031-5433 nr~~~nr~~~nun~~nr~~r~r~n~n~n~~nr~~t~~unu~~t~n Please wr'ne your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. { a. Grace Period. You will nave a minimum grace period « 25 days without finance charge on new purchases, new balance trortskrs, new special purchases and rrew aner charges rc you pay your fast Tvew eaknce", in att«dance wgh 1M Important Nolite ior payments bebw, and In titre for g fo ba credited by your next s2lemem tbsing dale. There a no grata Deriod on cash advances ant special Transfers. In addakn, inere is no grace period on Brry transaction g you tlo rat pay 1ne total "New balance." b. Aeenrkg Fhance Charge. Transedbns which are n« 5ub)eU to a grace 1»rlod are a69essed finance Charge 1) from the dale of the 12Raatllon «2) Irom the date the 12nsadan is processed to your Account or 3)1rom the Tirst calendar day of the curtenf billing period. Atldabnally, rc you did rtd pay the "New Balance" from the prevkus billirg period in fug, finance charges contirdle to accrue to your unpak! W lance uMN the unpad baance is paid in IWI. This means that You maY agll owe finance charges, even rc you pay the emke New Baknce indkated on the IroM of your statement by the next stalemeM closlrg date, but did rat do so t« the prevous month. Unpaid Tmarae Charges are added to fine eppiiceble segment of your Account. { c. Mhktum Fintatoe Charge. F« each billing peno0 final your ecceunt a SuDjeel to a tk2nce cnarge, a minimum total FINANCE CHARGE of 50.50 will be krposed. It the total Tnance Charge recugirg from the appgtatkn «your perbdit rate(s) is loss Than E0.50, we wiM su612U gist amount Iran the 50.50 Mnimum ant the tligxertce will be Nlled 10 the purchase aepnwM «your account { d. Temporary Retludion h Finance Charge.We reserve the right fo not assess airy «all finance charges /or any given billing period. 2. Avxage Dairy Baknca (Including New Purchases). Finance charge a cakukted by mugiplyirg the daft' baance ofi exn segment M Your acedaM (e.g.. rash advance, purenase. spatial transfx, ant special purenase) by the conespondktg dairy perbdit rate(s) that hac been prevbusry disclosed to you. AI the ant d each day during the hiking period, we apply the defy perlodk rate 1a each segment d your account to the flaky balance d each segment Ttwn et the era of fine billing period, we add up the reaugs of these tlaky ceku2lbrts to amve at your periodk finance charge for each segment. We etld up the results Irom axn segment to anNa at the trial periodk finarke charge to your account. To gel the daih be2nce tot exh segment d your aetount. we take the beginning halante fa exh segment ant add any new 12rt5adiOne ant arty perkdk finsnta charge calculated on the prevbus day's balance fa that segment. we men su«2d any payments a eredils posted as «thal ' day Thal are alkceted to Coat segment. The gNes us the sepe2k dotty Delertce for Caen segment d vow account. Howevx, g you paid the New Balance shown on your previous atalerrent in NII (or H yow new Wlance was zero « a credg amounQ, new garbacibils, whkh post to yar purchase «specal purchase segments a2 rat added to the dairy balances. We cekulate the avenge daily balance by adding all gie logy baWnces togeMer and dNdmg the sum by the number d the days to the turtent bNling cyUe. To calculate yow total finance Charge, mugipy yar average dairy balance by the dairy pxiodk rate and by the number o1 days in the blgng period. Due to rounding an a dally Dacia. there nay be a slight variance between the cekuktbn end the artaunt M nuance enarge adualry assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as `APR" an the front d the statement. D. If the code P (ouaneny Prime). L (OUariedy LIBOR). C (Ouanedy CD), «S (Banktard Prime) appears on the rrom a tole statement next to the penodk rate(s), Ina periodk rates ant wrrespontling ANNUAL PERCENTAGE RATES may vary quarierry and may increase or decrease based on the slated indkes, as fountl in Tha Wak Street Journal, pus the margin prevkusry Oisckced to you. These changes will be effective on the grsl day d Your billing period covxed D)' your perkdk ataknlem ending in the rrionlns of January, April, July and October. t. If the code D (MOmhry Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front d your a181emeM next to the perledk 216(5), the pariodk rates and t«reapoMirg ANNUAL PERCENTAGE RATES may vary monthly and may In«eaae or decrease based On Ina 521ed Indkes, es found in The Wall Street Journal, plus fine margin prevkusry tlecksed a you These charges wig be egecgve an the firs) day of your filling period each m«ltn. d. Assesarrent d Lata, Overgmll and Retained Payment Foes. V«a account wNl be assessed ra more than three of the tees listed here that occur during any billing perod. Under the femur of your cuctorcer agreement, we reserve the right to waive «n« to assess any tees wkhow Drbr ndaicatbn to you without waiving Wr rgM to assess the same or simWr fees al a kter lime. { 5. Renewing Vour Atoount. rc a membership fee appears on the hart d your statement, you have 30 days from the dale the slatemenl was mated to you tc avok paying the tee or to nave such lee credged to you rc you cancel your account wgnoW having to pay Ina meniDership tee. To pntel your aeeaunl, you must ndiry us by calling our Customer Ralatbns Department and paY Your'New Baknce' in tale (excluding the membership fee) prbr to the end d the tMry~ay period. 6. If You Close Your Account. Val tan request to close your ateoum by calling our Custarer RaWtioru DeparlmeM. Vou must destroy your credN Card(s) and aaouM atcesa checks. cancel all preaWhorized biking ant cease using your account. Afix yow request to dose, rc you Continue 10 irartsad a do nut center preaMntxized hllgrg anarlgelll@M6, We Will cortsder fecelpl Of 8 CnenJe your aWhaliatbn fo keep your aecoum open. Addalonelry, your atcouM wig n« be Closed until you pay all amounla you owe us including: any lransadiore you have authorized, finance Charges, post due fees, overiimg fees, retained payment lees. cash advance fees and arty other lees assessed to your account. You are responsible t« these amoums whegwr They appear on your aaount al the time you request to dose the account a Coat' are incurred subsequent to your request a clew the account. The may resug In charges appearing on your aceouM agx you have requested the attouM to be closed. 7. Using Your Account. Vour card or acwuM wnrat be used in tanneUlon with any Inlemet gemWing garl5actians. 8. Notke About Eleclronk Check Conversion When YW Drovide a check as payment. You awhorize us either to use Ndorrna110rt iron your check to make Bone-lime electronic land transfix from your bank account a to process the payment as a check 12nsadan. When we use inlonrretion from your cneck to make an electronk turd frarisix, battle may De withdrawn Irom yow bank account as soon as the same day we receive your payment. and you wdll rat reteWe Your check back from yourfinenclal irrsircwi«,. BILLING RIGHTS SUMMARY (In Case of Ertors «OUestions about Your Bill) Ii you mink your Dili a wrong, or rc you need more inlormatbn on a gansaUkn or Dill, write b us on a separate sfteat as soon as possible et iha address f« ingWries anown on tna front o1 fine statement. We must near from you no later roan 80 days agar we sent you the Test biU on whkh the error or problem appeared. Y W can tail Wf Customer Reletbre number, but firing so will not preserve Your ngMS. In Your kger, give us the idbwing inbmutbn: yow name and account numbx, Iha ddlar amount 01 foe suspected error. a O6scnptkn of the error and an explanalkn, B possible, 01 why you beli6ve llwre h en snot, or d you need more iMOrrrletion, a descrlplion al the gem you are unsure about. You do not have to pay any amount In puestkn wNk we are investigagrg K Dal you a2 still ohlipat6d io pay the parts of Your bill that are not in question. While we irnesfigate your question, we cannot report you as delinpueM or take any adkn to coked the amount yW question. L { Speckl Rub fa Credit Card Purchases rc you nova a probem wgn fine quality of property «aervkes that you purchased wgh a credg Card and you nave irkd in good farm to cared the problem wkh the merchant you may have the right not to pay the rxreintng amount due on fine popery « services. You have 1Ms prdactbn qny when the Wrd2se Drke was more than 550.00 ant the Durchase was metle in your hams orate a within 100 mike M Your mailing address. pt we own a operate the merchant. a g we mailed You the adveneemaM f« 1ne progeny «servkea, ell purchases are tovxed regeMless M amount a bcation d puchase.)Please remember to sign ale conespoMence. { Dces not eppy to consumer ranrredg card accounts S Does n« apply b business norl6radil pN xcounrs Capital One suPDOris htonretlon DrNacy Proredion: see our webske al "~.;~Tp:".°'--^^p tan Capital One is a teda2ly registered sarviee nano of Capital One Financial Corporation. All rights reserved. 02008 Capital One TCl?8 ofiDMSOSS • t -anoroT Irnpabnttbax: Payrnenbya, mat bus laaedbd to yar aommasdrK banes day we reakve M,Paided llJ you card iha bogan palm d Ire satenan and yar dwk n M aMoaed ranklaad endcpe and (2) yar paymM b retaved'n ar Praxsp calla M 3 P.m. ET lt2 mm PT). Please ayoe at Iwo sx (5) bsabas days la peal aeh'ary. Paymero reuNedW us at airy Mier bcasm a n airy atlta krm mry rid be aeeted as d sic day we repave ciao. Qr busitess days re Madsy sra~ Saarday, exdudrtg hddays Plena do rid wasuflrs. paper ripe, d<vAter PcW gN y~ Pafnant ~apitaj - what's rn your wallet? LET'S TALK -WE'RE HERE TO HELP. 500009 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital Ones we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. Cr9 2008 Capital Onr .Services, /nc. C'npital One is a feden:lly rcgitured tcrvice mask. A!l risyttt reserved. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,921.79 - $0.00 + $31.65 + $39.00 = $1,992.44 $173.00 Apr. 11, 2008 Feb. 19, 2008 -Mar. 17, 2008 Page 1 of 1 Visa Platinum Account 4121-7470.4464.2835 ~/NoHassle Your Account Information REWARDS' TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $7.56 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $7.56 Finance Charges (Please see reverse for important information) Balance rate Periodic Canesponding FINANCE applied fo rate APR CHARGE Purchases 51,942.53 0.05819% P 21.24% 531.65 Cash 50.00 0.06367% P 23.24% 50.00 ANNUAL PERCENTAGE RATE applied this period: 21.24 o At Your Service 1.800.9557070 - To cal Ousbmer Relatbns or b report a bst or sbkn card Send payments to: Capital Ore Bk(USA).NA • P.O. Box 70884 • Charbtte, NC 28272-0884 A Send Inquiries to: Capital One• P.O. Box 30285 • Sap Lake 6ty, lR 84130-0285 For More Information on your Rewards: Visit: www.ppitabne.conuydntsewads Cat 1800.225-3001 ® Have a questbn about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www cal~ilalone.canldsoutes PIrA$E PAV A7 IFAST THIS AMOUM You're behind try two paymens. Leis tall:. If you're ha~.~ir~g 5nancial diif~culfies and can't rake your minimum payment - we •a~ant to help. I et's work taaelF;er to firv:1 a sclulicn :hat works tai ,M you. Oive lli a frill •31 1.8CCi.Sfo.7070. Rewards Summary Previous available balance: 473 Eamed this period: 0 (reitrts transactions posted durwtg this I:any cycle) Available Balance 473 Payments Credits & Adjustments Transactions 1 14 MAR PAST DUE FEE ~ ~ Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the pall 12 filling cycles. If your rates have already increased, subsequent delirpuencies extended the duratbn of the increased rates. Remember Iiwe receive your minimum monthly payment on time to 12 consecutive billing cycles, this aaount will be reviewed for a possiTle return to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due date. To avdd This fee in the iulure, we reoornmend that you albw at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION RELOW WRH PAYMENT OR LOG ONTO wMNV.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4121747044642835 17 1992440054000173002 CapltalQl~• ~ what'sinyawwallet?' New Balance Minimum Payment Due Date $1,992.44 $173.00 Apr. 11, 2008 PIfASt PAYAI 1FA51 THIS AMUUIJT Amount Enclosed Capital One Bk(USA),NA Irlrrlrrrlllllrrrrlrll P•0• Box 70994 Charlotte, NC 29272-0984 LJrIInImIrllntLrIIIIIruInlrLrlrrlnlLrlnLllLrdl Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Ahemate Phone E-mail address ~ 11900786997952481811 MAIL ID NUMBER MOLLY ROBERTSON 2303 MAYFRED LN CAMP HILL, PA 37031-5433 rrrllLrrlllrnrrrllrlrlLlrLELJrrllrrrll,IlrrrrrrllrLt Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. f10LLY ROBERTSON 1. How to Avoid a Fnance Ctuuge. T a. Grate Period Vou wNl have a minimum grace period d 25 days vrilhcul finance charge on new purchases, rlew balance transfers, new apedal purchases and new dher thergec nyou pay yourtdal "New Balorlce". In atcoMante wnh the Important Ndice 1« payments bebw, and in time for n fo be oredned by yo« next statement cbsing date. There b ra gace perod on cash advances ant special transfers. In adenton, there k no grace perod on arty transaction n you do rid pay the lotal'New barerae" b. AceNUp Fineries Charge. Transadiore which are rid subject to a Brett period are assessetl finance charge t ) from the date d the IrerLSacll«l «2)lrom the dale the trensadbn is processed to your Account or 3) born the Trst caleraer day of the current billing pence. Additionelry, n you dal rid pay ihe't4ew Balance" from the prevbus billirq period In full. finance charges continue to accrue to your unpaid balance until iM Unpaid balance is pale in tun. This means that you may sllll owe finance charges, even n you pay the enike New Balance Indkaled on the hoM d your statarrent by the next statement dosing dale, but did riot do so 1« the previous rronth. Unpaid Tnance charges are added to the applkade segment of your Account. 1 c. Minimum Finance Charge. F« each billing period that your account k subject b a finance charge, a minimum trial FlNANCE CHARGE a E0.50 wiq be imposed. If the tolllfnance charge rasutUng from the applicalbn d your perbdk rele(S} is lass than 50.50. we will sudratt That amount from the Eo.50 miMtnum ant the dnlererke will t>e bined fo the purchase segment d Your account. T d. Talrlp«ary Reduclbn h Finance Cherga.We reserve Ira right to not asaesa arty or all finance charges for any given bining perkd. 2. Average Daiy Balance (Including New Purchases). FiMnca charge b calculated Dy mulllpryfrg the dally balance d each segrreM of your axount (e.g., cash advance. purchase, special irert5lM, and special purchase) by the torreaprxteing daiN perlodie aee(s) that has bean prevbusry disebsed to you. At the eM d each day during the billing perod, we appy fhe dally pariodb rate for each segment of your ateouM to the daily balance d each segment Then at the era d the billing perod, we add up the /eauUS of these daily plWhtions to artive et your periodk finance Charge for each segment We adtl uD the resuita born each segment to amNa at the trial periodb finarae charge 1« yo« atwunl To pet the defy balance for each sogmeM d your account. we take the bsginMng balance t« each segment and aria any new transadiorn end arty periodic fmantt Charge calcuWled on the prev'xxu day's balance 1« that segment. ~, We then sudreU arty payments «credits posted as a that day that are alkptetl to that segment. The gives us the separate dally balance Mr each segment d your account. However, n you paid the New Baianee shown on your previous statement In tun (« n your new balance was zero « a credN amounn), new lrensaUions, whkh post to your purchase «~pecial purchase segrrleMS are not added to the daily balances. We pkulale the average dairy balance by adtlirg all Ina daily balances bgelher and tllvWing Ina sum by gie number d the days in the W lrent billing cycle. To calculate your total finellte Charge, muUiply your average dairy balance by the daily perbdk rate ant by the number d days In the Dillirg period. Due to rotaldirp on a dally basis, th«e may 6e a snght variance between INS takuietbn and the amount of finance charge adWlty assessed. 3. Mnual Parttntage Rates (APR). a. The term "Mnual Percentage Re1e" may appear as "APR" on the front d this statement. b. If the Code P (Ouenelty Prime), L (a,aneny LIBOR), C (Ouanerry CD), « S (Bankcard Prime) appears on the front o1 this slateRlent next to itN perbdk rate(s), the perbdk rates ant eorrespondirg ANNUAL PERCENTAGE RATES may vary quaneny alxf may ircrease «de«ease based on the salted inditBS, as round in The Wall Street Journal, plus the nmrgin prevbusty aiscbsed to you. These changes will be enective on the first day of your bNlirg period cov«ed by Your perlodk statement ending in the months of January, April, July antl OUdrer. c. n the Code D (M«nhty Prime). F (MOMhry LIBOR), or G (Treuury UBOR) appears on the front a your statement next to the periodb rate(s), the periodk aces and corresponding ANNUAL PERCENTAGE RATES may vary monthly and nay Increase «decreaae based on the stated indices, ac sound in The Wall Street Journal, plus the rtargln prevkwsly disclosed to you. These changes will be eaedive on the first day a your billing perod earn naMh. 4. Assessment of Late, Ovanimit end Returned Payment Fees. Your account will be assessed no rn«e than Three o/ the lees listed here that occur during any billing period. Under the tams of your customer agfeemeM, we reserve the right to waive or rat to assess any fees wntaul prior rldifaation to you wilhont waiving our right fo assess the same «siMWr lees at a alter rime. t 5. Renewing Vour Attount. It a membership tee appears on Me Iront of your statement, you have 30 days Irom the Gate mis statement was malletl to you to avdd paying the lea or to have swab fee credited to you U you cancel your account wntaut hs`inp 1o pay the tnerMership tee. To easel your account, you must lglriry us by piling our Cuslorrer Relations Depenmenl and pay ywr'New Baance' in lull (exdWing the membership tee) prior to the end a the thirtyday period. 6. If You Cbsa Vour Account. YW pit request to Close your account by piing our Customer Relalloru DeparimeM. You must dastrcry your cedn card(s) and account aaess Checks, pncel alt preaulhonzed billing and cease uskg your account. Auer your request 1o Uose, n you continue to tren58U «do not cancel preaulhorized billing artangemeMS, we will consider recelpl d a charge your aNtarfzatbn to keep your sttouM open. Addnionalty, your account will rat be cased until you pay ell amounts you owe us intluding~ any tramedions you have aulh«IZed, finance charges, past due fees. ovanimll fees. returned DaYment lees, cash advarus fees and arty other fees assessed to your account. You are responsible t« these amounts whether they appear on your xtouM at the lime you request fo close Ina account or they are incurted subsequent to your request to cbse the account. This may resuit in charges appearing on your account after you have requested the ateount 10 be eased. 7. Using Your Account. Your W M or account wnrM be used in connection wnh any Inlemet gamding transactions. 8. Ndbe About Eleelronk Check Conversion When you Drovide a check as payment, you authorize us either to use bfomwtion born your check to make sate-lime electronic fund Iranst« from your bank account «to Drocess the payment as a check transadiorl. When we use iMormatbn tram your aback to make en elearonie fuM transfer, /ands may be wlmtlrewn from your bank account as soon as the same day wa receive your payment. and you will not receive your check back from your fnancial knlnWion. BILLING RIGHTS SUMMARY (In Case a Ertors «Ouestiorls about Vour Bill) n you Think your NII is wrong. «n you need nave iMOrmalbn on a transadbn or rill, wme to us on a separate sheet as soon as posslbla al the address f« inquiries shown on the front a mis statement. We must hear Irom you no later loan 60 days aner we sent you the first bill On which the eR« or problem appeared. You wit tall our Customer ReWliors number, but doing so will ncl preserve your rights. In Your letter, give ua the ldlowing iMonratbn: your name ant acauM number, the dollar amount d the suspected ertor, a description d the ertor and an explanation, n possibN, d wTy you believe mere k an errof, «n you need rrlore iMOrrnatbn, a description d Ina item you ere unsure about. Vou do rat Mve to pay any amount in queston while we ere investlganng n, bW you are still oMigafed to pay the pans M Your NII that are rwt In question. while we investlgale your question, vJ8 tannd reDOn you a5 delinquent «lake any acl'an to colbtl the artaunl you question. t. T SpecWl Rule for Credit Card Purchases M you have a Dradem wUh the quaky d property or servces That you purchased with a credit r~M and you nave tried in good faith to careU the problem with the merchant, you may nave the right not to pay the remaining amount tlue on the WoPertY « services. You have IMS protedbn oMy when the Durchase Putt was more than 550.00 and the purchase was made in your horre state d within 100 rrlles d your maikng address. (II wa own or operate the rnerehant. «n we mailed you the adveriisemeM 1« the property «servces, all purchases are covered regardless d amount «locatbn d purchase.) Please remember to sign all correspondence. t Does nor aDPN to eonsurner non<redn card accoums 3 Does nor apply b Wsiness nonrreda pfd eaounls Capital One supports in/ormalan Drivacy praeUion: see our Websne al Y. -"~Nro Capital One is a tederelty registered servke mark M capital One Financial Corporation. All rights reserved. 94006 Capital One TC 08 01 OMfi058 - 1 - 04/10p7 YnpertantNaace: Paymans you mat sus va be aedted byou aaxanl aadae bainesa day we rewireaR~ItI Ya+~ktiK balan paum d ass slrianwn ark yar died kr ore adoaed rarriMroearvdtge ant 17) ras paymuM b rewivad'n ar Racese emla q 3p.m. ET (12 nom PT). Heal aloe at kaatfm(5)busesa drys kr poabl dehery. Paymenb recdrad q'usriarry oaer bcationaF ary oars loan may nor be aeditN sa d the day rre reuhe Men.0u briieadays ore ktak+Y arou~ Sriurday, exdvdrg i idaya. Please do nor use sUplw, papa dje, ale. Men R~6 Ycur WMent 500016 ~Q>> PSSST... Capital One® does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and to manage your account online. Capitalw ~ Mr'i in your wsllert Previous Balance $1,992.44 Payments 8 Credits - $700.00 + FINANCE CHARGE Transactions $24.00 + $0.00 = New Balance Minimum Payment Due Date $1,316.44 $39.00 May. 12, 2008 Mar. 18, 2008 - Apr. 17, 2008 Page 1 of 1 rtrur my ar trnsr rHrs ar+cuvr Visa Platinum Account 4121.7470.44642835 _ ~~ ~~~ J f~ Your Account Information • REWARDS' TOTAL CREDIT LINE $2.000.00 TOTAL AVAILABLE CREDIT $683.56 CREDIT LINE FOR CASH 52,000.00 AVAILABLE CREDIT FOR CASH $683.56 Finance Charges (Please see reverse for important informatbn} Balance rate Periodic Corresponarg FINANCE applied 1o rate APR CHARGE Purchases $1,468.98 0.05271% P 19.24% $24.00 Cash $0.00 0.05819° P 21.24% 50.00 ANNUAL PERCENTAGE RATE applied this period: 19.24 Q At Your Service 1.800.955.7070 To cal Orslomer Relations a b capon a bst or sbbn card Send payments to: Capital One Bk(USA),NA • P.O. Box 70884 • Charbne, NC 28272-0884 Send Inquiries to: Capital One' P.O. Box 30285 • Sal Lake Cdy, to BN30-0285 For More In(orma6on on your Rewards: Visit: swwv.capitabre.comlpdntsrewards car t~oaz2a3oot ® Have a questbn about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www capitalale.coml6soufes Rewards Summary Previous available balance' 473 Eamed Ihis period: 0 (rethcls VarsacGms posted during this tiirg cycle) Available Balance: 473 Payments Credits 8 Adiustments 1 19 MAR PAYMENT ~ ~' 2 10 APR PAYMENT ~ ~ Whether you're in the market for a home equity loan or you're irderested in refirtartcirg, Capital One will find a home ban solution to fit your needs. We offer great rates, no hidden fees, and you will receive the orteon-0ne attention of the same personal loan consultant from call io close. Visit www.capitalonehomebans.com for more intormafron. PLEASE RETURN PORTION BELOW WfTH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4121747044642835 17 1316440200000039008 G'apita~Q~• what's in your wallet?• Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date please print address or phone number changes below using blue or bWck ink. $1,316.44 $39.00 May. 12, 2008 Address PLEASE PAY AT LFAST Home Phone A/remare Phone THIS AMOUNT E•mailaddress O Amount Enclosed Capital One Bk(USA),NA Irlrtlrrrllrrllllrllll P•0• Box 70884 Charlotte, NC 28272-0884 IrrllllttlttlllllrllLILIIII l,ItIItINIrILJL,LrIrtJLtdl f19010969979524811)Y MAIL ID NUMBER MOLLY ROBERTSON 2303 nAYFRED LN CAMP HILL, PA 17033-5433 IrrIIIIrIJILrIIrrllrrrll,IrLrLIItIILIrILILIIrIIILLt Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. ~~ A quick glance at _1 what Capital One can do for you. Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Whether it's braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone.com to learn more! Capital One Bank (USA), N.A., Capital One, N.A., Members FDIC. 002 I: 1. How to Avoid a Finance Charge. T a. Grace Period. You will nave a mininum grace period d 25 tlays wttnoW finance charge on new purchases, new balance transfers, nrw specal purchases and new doer charges tt you pay yourtdal "New Balance", in aaoMance wNh the Important Notke far payments below, and In time for tt to ba eredtted by your next statement ebsing date. There fa no grace penotl on rash advances antl spatial tnroters. in addnbn, then Is no grace period on am/ Iranseu1ion n you do rtd pay the total'YJew beWnra." D. Awukg Finance Charge. Transectbrs whkh are not subject a a grace period are assessed finance charge 1) from the date d foe transaction a 2) from 1M dale the lansacion IS pfOCBSSed 10 your AaWM Or 3) Iran 1M grs1 Ulendar day of the curteM billing period. Addllbnalty, n you da trot pay the Tlew Balance" from the previous bNling period in full, finance charges tonnnue to aCGme to your unpaid balance untN the unpaW balance is paid In fug. This mcern that You may still owe finance charges. even tt you pay the entire New Balance Indicated m the front o1 your statement by the next slafemanl closing date, bW did not do eo for the previous month. Unpea Tnance charges are adtled to the applicable segment d your ACCWM. t c. Minkrtlrm Finance Charge. For each billing period that your account h subject fo a finance charge, a minimum total FINANCE CHARGE of E0.50 will be Imposed. tt the total finance charge resuning from the applkalbn d your perlodk rate(s) re less than 50.50, we will suNrect that amount from the 50.50 Mnimum ant the diherenee will M billed to the Durchase segment d your account 7 d. Temporary Reductbn b Finance Chafge.We reserve the rlgM to not assess any or all 9nance charges for any given NIIIng period. 2. Average Daly Balance (Incuding New Purchases). Finance charge is takulaled Dy muniptyirg the tlaily balance 01 each segment d your axouM (e.9•. rash advance, purthese, special transfer, and specal purchase) by the conespdWing dairy periodb rate(s) that hoc Wean prevbusty disclosed to you. At the eM of each day during the billing perbq we appy the deity periotlk rate for each segment d your account to the dally balance of each segment Then el tM eM d the billing perod, we add up me resutrs of these tlalty cakulatian5 to aMVa at your penpdk trnance charge for cant segment We adtl up 1M resells from seen segment to arrive al the filet perbdk 9nance charge loryour account. To get the daiy balance to each segment d your attount. we take the beginning balance to oath segment arW add any new transactioro and arty periodic finance ciarge cekulated on IM previous days balance fa that segment. We then auNrad arty payments a credits posted as d that day that are albcaled to that segment. This ghee us 1M cepente daiy balance fa each segment d your aCtdrnt. However, N you paitl the New Baance shown on your previous slatefneM In 1WI (a tt your new balance was zero a a eredd amount), new transactions, which post to Your purchase d specal purchase segmenle an rat added to the daiy berarlces. Wa cekulate the avenge deity balance by edtling all the daiy balances togemarand dwiding 1M sum by 1M number d the days in tM current Nlling cyUe. To calculate your total gnance charge, munipty your average deity 6alarlce by 1ne dairy perodk rate ant by the number d days in the billing period. Due to mending on a deity 6asls, there may M a sNght variance between this takulafan end the amount of finance charge actually assessed. 3. Annual Peroamage Rates (APR). a. The tens "Annual Percentage Rate" may appear as ^APR" an the front d This statement. D. If ma coda P (DUanedy Prime), L (quaneny LIBOR), C front d this sDl)atemenl~itext b the perbtlk~rate(S~thee perbdk alas arM conesponding ANNUAL PERCENTAGE RATES may very quarterty ant may increase a decrease based on the stated indices. as found In The Wall Street Journal, plus the margin prevkwsly diacbsed fo you. These charges win be eflectYVe on the first day o1 your billing period covered by your perodk statement endbg in the months of January, April, July and October. c. 111he code O (MOnthty Prime), F (Monthly LIBOR), a G (Treasury LIBOR) appears cn the front d your statement next to the periodk rate(s), the perodk rotes ant conesponding ANNUAL PERCENTAGE RATES may vary monthly and may Increase a decrease based on ttq stated indices, as lountl in Tne Wall Street Journal, plus the margin prevlousty Oisckned to you. These Changes will De edeclive on the first day d your billing period each rtaMh. 4. Assessment o1 Late, Over9mrl era Retumetl Payment Foes. Vour aCtdiM will M assessed no more than three of the fees listed hen that occur during any Nlling period. Under the temrs d year customer agreement, we reserve the right to waive a rat to assess arty tees whMW prior ndifltatbn to you without waiving our fight to assess the same w simlWr lees al a rater time. t 5. Renewing Your Attount. l1 a membership ice appears an the front d your Statement, yW have 30 days from the date this sratemem was mailed to you 1o avoid paYing the lee of to have such tce credited to you tt you cancel your account wttMW having to pay the membership fee. To Ca11t81 YOUr aCt011M, yW f11r1a1 rlOlilY e5 by W Iling Wr Customer Ralatiats Department and bey your Tlew Balance' in fuN (excluding the membership tea) prta to the end d ttia thirty-0ay perod. 6. I1 You Cbse Vour Account. V W cen request to Uose your account by piling Wr Custarar Relatlorre Department. Vou must destroy your credit cant(s) ant account access checks. cancel all preaWMrized billing and cease using your account. Aner your request to close, tt you coMbue to transact a do not cancel preauthorized NIIIng aaargements, we will coruber reteipl d a charge your aWMrization fo kceD Your account oDert Addnlonally, your account will rid M cased until you pay all anauMs you owe us Including: any transactions you have aWMrized. Tinarae charges. past due lees, overiirtkt tees, returned payment lees. Lash advance lees and arty other feet assessed to your actouM. You are responsible fa these amounts whether they appear on your account at 1M lime you request to close the account or they are incurted subsequent to your request to close 1M account. This may resuN in Merges appeartng on your account soar you have requested the account to M closed. 7. Using Your Account. Voa wrd a account pnrat M used in connedbn wnh any IMemet gambling transaclial5. 8. Nolbe About Eleelronk Check Conversbn When you provide a check es payment, you aWMrize ua either to use IMOnmdllgfl from your check to make a one-lime electronb /end transfer trap your bank acceunt a to process the payment as a check hartsactbn. When we use inlormalbn from your check to make an dectronk land lrartster, lunde may Da wntMrewn from your Dank ecttllM as soon as the same daY we receive Your payment, and you will not receive Your check back from your 9naneial institution. BILLING RIGHTS SUMMARY (In Case of Enors a Duectbrts aMW Your Bilq tt you Ihink your Dill i5 wrong. a tt you aced Ware IMOmation on a lransactkn or NII, wme to us on a separate sheet as soon as possible at the address for agWries shown on the from o1 this 5tatemaM. We must hear from you no later than 60 days aver we sent you the tint bill on vrhich the ens or problem appeared. Vou tan call our Customer Rela9ons number, brd doing so will rat preserve your rights. In Your leper. give us the ldlovrirg information: your name and account number, the doNar amount d the suspected ertor, a desuvlgbn d the error and an explanatbn, tt possible, d why you believe there is an error, a it you need more iMOmmticn, a dcealptbn d tM ttem you are unsure shad. Vou do not have to pay any amount in queston wNle we are Investigating tt, but you are atilt oNigated to pay the parts d your NX that are rat in queslbn. While we investigate your question, We cannot raper you as delinquent a lake any adbn to collect the amount yore question. Y. i Special Rub /or CredN CeM Purchases If you have a problem with the quality d property or servkea that you purchased won a credo certl and you have tiled in good faith to cared the problem wnh the marchartL You may have the ngM not to pay llte remaining amount due on the property a cervkes. Vou have this prdection a,y when the Purchase Drice was more than 550.00 and the Duchase was nails in your Mme state a wkhin 100 miles of your mailing address. gf we own or operefe 1M merchant, a N we mailed you 1M advertisement fa the property a services, ell purchases are covered regardle53 d amWnt a bcafion d purchase.) Please rerrwrriber to sign all oonespradence. } Does rot appty a cormumer non<redn card acooums I Coos rot appty fo business nan~redir card accounts Capital One supports bfomieibn privacy prdection: see our websne al ~ Capital One Is a federally registered sarvke mark of Capital One Financial Corporatbn. All rigMS reserved. m 200a Capital One TC-05 01 DMfi05B -1 - 04!10/07 knpaWHNoioe: PatrrwgsYau maibus vi be aed'ned bYar acmes asa6ie businea dry werewtreR Pu'~I1)Ya+~~ banan paam a a:s sbbnaN ant yea ilea n lie aaeaed raninaxa etvekf,e and (~Y~ WMnaa Isreuared h ar Pvonsig tma Iry7pm. ET 112 than PTl. Pwueaeoe etlmst frx(5)brsyaadays Nx pmW defray. PayrwNS raodved by uaaarry other kcalm air any aria larrri may ra b axfiNd as a aK dy vre reciae them. W dawn days ae ldaday tiraph Saturday, erdu6g hrWaya. Please do rid use wP s. 7aPa dN. as +.ha~ PRakW Yen Parham 6.28% APR' ~' (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for aFixed-Rate Mortgage, and most of your options will have a similar rate. But here are some of the ways that Capital Ones Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free:1-800-760-2493 or visit www.capitalonehomeloans.com Mon.-Fri. Sam-8pm; Sat. t0am-fpm E5T Reservation Number: SO58 042 026 9093 Adverriud annual Ixreernatre rate is effective as of 03/2412008 and sssbjen m eban~~rc at any sine. N'R u based on gswd cnxli, Liswry, 5203,280 loan amount, BO"rb wmbisxd ..loan-ro-value rasio and a 30-yur find-rare first-lien mortgagge. Monthly paymcm fir dsa example is 51,25!. AJdirional rcrms and rorriaions apply. EOett NWSIMa (apical One is an F~pral Housing L:ndcr. tics nvcrac for adaiisinnal inyx,nam infnnnatinn. LENDER Home Equity Loans I Mortgages ~ Refinancing I Debt Consolidation CApI Nome E•an: Previous Balance $1,316.44 - Payments 8 Credits $50.00 + FINANCE CHARGE Transactions $20.69 + $0.00 New Balance Minimum Payment Due Date = $1,287.13 $38.00 Jun. 11, 2008 Apr. 18, 2008 - May. 17, 2008 Page 1 of 1 n ^ ~ ^ r,>ur a~ M Visa Platinum Account 4121.7470.44842835 _ i~ ~~~ J Your Accountlntormation ` , REWARDS TOTAL REVOLVING CREDIT LINE $2,000.00 TOTAL AVAILABLE REVOLVING CREDIT $712.87 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $712.87 Rewards Summary Prevbrn available balance: 473 Eamed this period: 0 (re9ects transacfiens posted dosing Ihis tifng cycle) Available Balance: 473 Payments Credits 8 Adjustments 1 07 MAY PAYMEM 550.04 Finance Charges (Please see reverse fa important information) Whether you're in the market for a home equity loan a you're interested in refinancing, Capital One will find a Balance race Periodic Carespondng FINANCE home ban solutbn to fit your needs. We offer great rates, no hidden tees, and you wi8 receive the oneon-one applied to rate APR CHARGE allention of the same personal loan consultant from call to cbse. Visit www.capitalsmeisomebans.com fa more Purchases $1,308.17 0.05271% P 19.24% $20.69 information Cash $0.00 0.05819% P 21.24% 50.00 . ANNUAL PERCENTAGE RATE applied this period: 19.24 h o At Your Service 1.800.955.7070 - To cal Osstorrser Reblbns a b report a hst or stolen card Send payments to: Capital One Bk(USA),IW • P.O. Box 70884 • Charbtte, NC 28272-0884 A Send Inquiries to: Capital One• P.O. Box 30285 • Sal Lake City, UT 84130-0285 For More Information on your Rewards: Ofi~ V,sit: vnwi.cepilakre.com/poimsrewards cat t-soo•2ze-3oot ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary an the back of your statement or visit vrvrw gdtalone comldsoutes PLEASE RETURN PORTION BELOW WRH PAYMEM OR LOG ONTO WVsNJ.CAPITALONE.COM TO MAKE YOUR PAYMEM ONDNE. 0 4121747044642835 17 1287130050000038002 CapitalQy7~• whaYs in your wallet?• Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date %ease print address or phone number changes bebw using due or blade ink. $1,287.13 $38.00 Jun. 11, 2008 Address PLEASE PAY AT IFAST Home Phone Alternate Phone THIS AMOUNT E-mailaddress @ Amount Enclosed 8901396997952481811 MAIL ID NUMBER HOLLY ROBERTSON 2101 MAYFRED LN CAMP HILL, PA 17011-5433 Capital One Bk(USA),NA Irlrrllnllrllrrrrllrl P•0. Box 70884 Charlotte, NC 28272-0884 InLILrlnrlrllnlLrlrlllrltLrLlrrLrlrtlLrLrlrllLrrll nrlllntliinnnllnrllrlrlninlnllnrllrilnunlirin Please write your account number on your check or money order made payable to Capftal One Bk(USA),NA and mail wfth this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $140 per month[ t lower average monthly payment claim based on first month's payment on non-purchase loans, exclusive of closing weir, chat closed between 07101!07 and 72/31//07. Actual lower payment may vary. Making ou[ a home equity loan or lint of credit may increase the tool amour[ paid when compared to your Curren[ simanon. In some uaxs, refinancing ro pay off existing debt may exmnd the mrm of the debt, pouibly resulting in higher overall costs and increasing the total amount paid when compared to your current situation. Offer imm~ded for qualified applicants only. Nor all loan products or terms are available in all states.'1'he ac[ual dozing times may vary hued upon the .vale in which rhr property is located. Loans subject to credit approval. !'his dots nut represent an oflcr ro enter imo a loan agreemen[. Bates and teens subject m change without notice. proctors m,d rrrviar o~rrd by Capital One Harnr loam, /.LC 8 2008 Capful Ora Capirnl Onr it a frdereUy rrgirtned rervirr mark. A!( rights rrrerrxd. Home Equity Loans ~ Mortgages ~ Refinancing ~ Debt Consolidation t. How to Avoid a Ftnence Charge. } a. Grace Period. Vou will have a Mnimum grace perk0 d 25 days wHhout finance charge on new purchases. new baance transfers, new special purohases and new doer charges H you pay your teal `[Jew Balance', in accordance with the Impptanl Notice 1« payrrtaMS below. and In time for N io be credtted by your next statement closing data. There is no grate period on cash advances and special treroters. In addition, there is ra grace perod on em/ Transaction tt you do rat pay the tdal'New balance" b. ACtlving Finance Charge. Trensaclions which are not subject to a grace perod are assessed Ilnance charge i) from the date of the lrarrsadbn «2) from the date the Ironsadkxr is processed to your Account « 3) from ire first calendar day of the torten[ billing pedod. Atlditbnalty, tt you dW rat pay the'New Balance" from Ire previous billing perod in toll, finance Charges Continue to axrue to your unpaid balance umu the unpaid baance is paid in fun. Thk meerrs that you may still owe finance Charges. even H you pay the entire New Balance Indicated on the front d your slalemeM by the nee statement cbsirg dale, but d'W not tlo ao /« the prevbua nanlh. Unpaid finance charges ere added to ire applicede segment d your Account. } c. Minimum Finance Charge. For each billing period that your account k subject to a finance charge, a minimum foul FlNANCE CHARGE of 50.50 will he imposed. II the total finance charge resuMrg from the applkalbn d your perlodit role(s) n less than 50.50. we will sublroct toot amount from the 50.50 Mnirttum and the dineretke wig b9 billed to the pwehase segment d your account. } d. Temporary Reduction in Finance Cnarge.We reserve ttw right to rat assess any d all finance Charges t« any given bluing period. 2. Average Daly Balance (Including New Purchases). France charge k takukled by multipying the dairy balance d each segrreM of your ecwtrM (e.g., cash advance. purchase, special trarxter. and special purchase) by the corresponding dairy penodk rate(s) that has been prevbusy disclosed to you. At the end d each day during the billing perod, we apply the dairy periodk rote 1« each segrrent d your eaount to the dally balance d each segment. Then at the end of the billing perod, we adtl up the results of these i daly cekulatbns to artNe et your penodk Trance charge /or each segment We add up the reruns from each seprrem to artwe at the [dal penodk finance charge 1« Your account To get the daiN haknce for each segment d your account we take the beginning barorxe t« Bath Segment end add any new tronsadions and any periodic finance charge calculated on the previous days balance 1« Nat segment. We then suMrod any payments «credils polled as o11ha1 day fret are albcated b That segment. This gives us the sepaate daly baknte 1« eetn segment d your aCCW nt. However, H you paid Ire New Balance shown on your pevous stat9meM In Lull (d H your new bakrae was zero d a tredH amount), new Irensadions. which post to your purchase «specal purchase segments are not added fo the Oaiy balances. We W kulale the average daily balance by adding eq Ne daily beWnces together and Oivamg me sum by the number d the days in the curtest doing tyde. To calculate your total finance charge, multiply your average dairy balance by the deity periodk rate and by the number d days in the blung period. Due to rounding on a deity basis, there may be a alight variance between this WiGUlatbn and the amount d finarrce charge aduilly assessed. 3. Mnual Percentage Rates (APR). a. The term "Moira! Percentage Rate" may appear as "APR" m Ne front d ihk statement. b. 11Ihe code P (Ouanerty Pdme), L (Owneny LIBOR C (O Wherry CD), d S (Bankeard Prime) appears on the front d tNS statement next to ire penodk rate(s). the perlodk roles and wmesponding ANNUAL PERCEMAGE RATES may vary quavery era may increase d de«ease based on the aWted IMkes, as found In The Wall Street Journal, pus the margin prevbusty disclcace to you. These changes will De eHettive on the fns! day d your blltirg perbtl covered by your periodk statement ending in the months d January, April, July ant October. a It the code D (MOntny Prime), F (MOmnry LIBOR), « G (Treasury LIBOR) appears on the front d your stakmeM next to the periodk rate(s), the penodk rates end eortesPOnding ANNUAL PERCENTAGE RATES may very moMhty and may fn«ease «decraase based on the stated Intlkes. as found in The Wall Street Journal, pus the margin prevbusly disclosed to you. 7riese changes will be enective on the first day d your billing perod earn mourn. 4. Assesarrlent d Lata, Overlent! end Returned Payment Face. Vour account will ba assessed no more than Three d the tees listed here Nat Decor during arty billing period. Under the temp d your custaner agreement, we reserve the ngM to waive «rat to assess any fees wittaN prior ralifitatbn to you wHhoul waiving our right to assess the soma or airrrlkr 1963 el a trier brae. } 5. Renewing Your AtoouM. Ii a membership fee appears on the horn d your statement. ycu nave 30 days Irom the date this statement was mailed to you b avoid paying the fee «to have such ice credited to you H you caned your account without raving Io paY tea membership fee. To cancel your aecoum, you mull ratiry us by pitlng our Customer Relatbrls pepanmenl and pay your `New Baknce" in lull (exdudirq the membership lee) prbr to the end d the thirryday period. 6. Ii You Cbse Your Account. Vou wit request to close your account by telling our Customer Relations DepanrreM. Vou tuts! destroy your credo cant(s) and account access chetW, Centel all preaMhorized Nllirg and cease using your account. Ahar your request to close, tt you mminue to trarrsad «do rat cancel preaNhonzed billing artargernenta, we will consider receipt d a cnerge your auttarization b kceP Your eccoum open. Adtlitionaly, your account will not be cbsed until you PeY alt amounts you owe us including: enY Ironsactioro you have authorized, fmarka charges, past due fees. ovenimit lees. returned payment fees, teen advance lees and any doer fees assessed to your account. You are resP~ibk for These amounts whether they appear on your account at the tlrre you request to tbse the aCCWM «they are incurted suMequent a your request to close the account. This may rerun In charges appearing on your account after you have requested the atwum to ce closed. 7. Using Vour Account. Vour Lard or account rannol ce used in connection with any Interact gambling VarraaCllOrK. 8. Notice About Eleeuonk Chetlr Convarobn When you provide a Check as payment you aulhorize us either fo use IMOmmibn from your check to make sore-time eleclronk hind lrorrsler from your hank account d b process the payment as a check transed"an. When we use inlonnation lrom yar check to nmke an detlronk Lund Iransten funds may be wtthdrown from your hank aCCOUnI es soon as the same day vra raceNe your payment and ya, will rid receive your cheek back from your financial InslHUtion. BILLING RIGHTS SUMMARY (In Case d Errors «Ouesibrrs about Vour Bill) H you think your 6111 is wrong. «H you need more iMOrmatbn on a iransaditn or bin, Valte to Its on a separate 5heel as soon as possible at the address for Irpuines shown on ire front d Nis statement. We must hearirom you no cater than 50 days aver we sent you the firs! but on wtJCh ire error or problem appeared. Vou can rail our Customer Relalbns number, but doing so wul rid preserve Your rights. in your kner, give us the idbwing Infomretbn: your name and account nurrlhar, the dollar amoum d the suspected error, a descnpticn d the ertor and an explanatbn, H possibe, of wry you Oelkve mere is an error, «H you need m«e infomutbn, a descnplbn d the Mem you are unsure about. Vou do not have to peY any amount in question while we ere invectigatirtg n, bit you ere slut oMigeled to pay the pans dyour WII that are not In queston. While wa Investigate your grreslbn, we eanrrd report You as delinglreM d take any adbn to tolled the amount you queston. 3, i Special Rule to Credit Cam Purchases H you have a problem with the quality d properly «services that You purchased with a credit WM ant you have tried in goad fetth to correct the pobem wuh Ne merchant you may have the dghl not to pay the remaining amount dtre on the propemy « services. Vou have this prolaetbn Doty when the purchase pate was more than 550.170 ant the purchase was made in your home stale «wHNn 100 mks of your mailing address g1 we own «operate the merchant «H we mailed you ttre advenisemaM for Ne property «servces, all purchases are covered regaroless d amount «bcalton d purchase.) Please remember to sign all tortespondence. t Does rat apDty to consumer noneredH care xcoums j Does not apply to ousiness non~redil card accounts Capiral One supers Information privacy prdectbn: see our webatte at ybg7y,LaQG8lS10C.rA~. Capiral One Ia a lederaly registered service mark d Capiral One Financial Corlaratbn. All ngMS reserved. 02005 Capital One 7C-05 O1DM6058 - t -04/tOg7 Ynportant Nofoe: Paymess yar and b us wl ce vedted W yar aeon! u d the bianns Wy we reoetve it PorideO (t) Yeu sent h baser pawn d N's 9alaarit and ywr dradt n the aMweJ radMxa andtrR and (2) you paymeN'a readved'n ar Pocea~9 cane by 3p.m. ET (12 nom PT). Plena aqw at Naa ere{5)Wrkwa drys krPceal ~Y~Paymana reoaved h'real arty Mre kr<asanan arty oa+e krm may ria be atdtd a d Ne day vre reaFe Mn. 17ur boners days are MaNry ara~r Seerday, exduSg hofdrys. Plwsa do rwt use aupn, PrPer erPa etc. what PW~'v Ye'r WY++~a sooaoa Capitatnyouewal/et7 It could~ue on your statement as soonyas poll ble,amount MOLLY ROBERTSON Keeping your credit in good standing can do a lot more than you think. WHOOPS ~ GOOD CREDIT =GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) t ~ - ~ IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ~ ~ Waiting on your tax stimulus check-and looking for a smart way to use it? Pay off your debt and help bring your Capital One account back to good standing. ~ znns Caj,ita! O„e Services, Gee. Capita! One it a federally r gicterer~ service rnark. All rightf reierveiL Previous Balance $1,287.13 Payments & Credits - $0.00 + FINANCE CHARGE Transactions $21.34 + $39.00 = New Balance Minimum Payment Due Date $1,347.47 $111.00 Jul. 12, 2008 May. 18, 2008 - Jun. 17, 2008 Page 1 of 1 c, A«D ,a, r _ _<, nn<~uruur Visa Platinum Aaount 4121.7470.4464.2935 _ i~H~k ( J Your Account Information ` • REWARDS TOTAL REVOLVING CREDIT LINE $2,000.00 TOTAL AVAILABLE REVOLVING CREDIT $652.53 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $652.53 Flnanee Charges (Please see reverse for important information) Balance rate Periodic Cortespondirg FINANCE applied to rate APR CHARGE Purchases $1,306.18 0.05271% P 19.24% $21.34 Cash $0.00 0.05819% P 21.24% $0.00 ANNUAL PERCENTAGE RATE applied this period: 19.24% You're behind by cne pavmert P.emember that paying the minimum paymen; lr; the due date keeps your acceunl current. So ma62 <.ure you send in Ihs minimum p~ymenl to keep yan a:ceuni current. "Important IJolice" Under the terms we previously dscbsed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediatety. However, Capital One has elected rat to raise your APRs at this time. Please be advised that it you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summary Previous available balance: 473 Eamed this period: 0 (redacts Uar~sxtiais polled dudng this ding c}cle) Available Balance: 473 Payments Credits 8 Adjustments At Your Service 1.800-955.7070 Trdn5dCt10ns Q Total(LstomerReialions«breportabst«slobncaM 1 11 JUN PAST DUE FEE ~~~ ® Send payments to: Capital One Bk(USA),NA • P.O. Box 10684 • Charbtle, NC 28272-0884 A Sendlnquiriesto: Capital Or~• P.O. Box 30285 • SaM Lake Coy, lR 84130-0285 Q For More Irdormation on your Rewards: ~~ V~sif w,w,.wpitalxe.aomlpoinlsrerrdrds cat t-6oane-3oo~ Have a questan about a charge on your statement'/ Please refer to the Billing Rights Summary on the back of your statement «visit ~tal~com/disoutes You were assessed a pall due fee because your minimum payment was rat received try the due dale. To avdd this fee in the future, we recommend that you albw at least 7 business days (or your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WfTH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOVR PAYMENT ONLINE. CapitalQ~• I whaYs in your wallet?' 0 4121747044642835 17 1347470050000111000 New Balance Minimum Payment Due Date $1,347.47 $111.00 Jul. 12, 2008 PLEASE I'AY A~I IFASI THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA Irlrr~rrr~~~r~irr~rt~~ P. O. Box 70884 Charlotte, NC 28272-0884 )u{r)In~nr~rllnrlrr~r~llnr~nlr~nln~nlln~nlu~lndl Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address ~ 11901706997952481311 MAIL ID NUMBER HOLLY ROBERTSON 2103 NAYFRED LN CAnP HILL, PA 37033-5433 nr~~~ur~~~nuu~~rn~lr~r~nln~n~~nr~~ri~nnn~~r~u Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. a.Grece Perbd. You will nave a minimum grace penod of 25 days wNhoul finance charge on new purchases, new balance trartslers, new special purchases and new other charges h you pay Your total "New Balance", in accordance whh the Imporiant Notice for payments babes. ant in ame for N to 6e credhed by Your PaYlranf due date. There is no grace period on ceah advances and special Irertsters. In addNlon, there k no grace period on any transad)on N you do not pay the trial "New Balance." D. Accruing Fktance Charge. Transacnona whkh are not subject to a grace period are assessed fmance charge 1) from the date o/ the lransadbn a 2) horn the date 1M iramadbn h processed fo your Account a 3) iron the first calendar day of the currant billing period. Additionally, N you dk not pay ihe'TJew Balance" /tom the pevous billing perio0 h full, nuance charges continue to accrue to your unpaid balance ungl the unpaid balance k paid In full. Thk meats that you may 51111 owe f nonce charges. even rc you pay the entire New Balance indicated on the kortt of your aratemenl by the payment tlue date, but did not do so for the previous month. Unpaid finance charges are added to the applkable segment of your Account. c. Mintnum Finance Charge. Fa exh dliirg period Ihet your account k subject to a nuance Marge, a minimum total FINANCE CHARGE d f0.50 wilt be Imposed. d. Temporary Reductbn kit Finance Charges. We reserve the right to not assess any or aN finance Merges for any given Nlling period. 2. Average Daly Balance (Including New Purchases). Finance charya k cekuialed by muhipying the dairy balance d exh segment d your account le.g., cash aWance, purchase, special trareter, and apxial purchase) by Iha cerresporMin9 dairy peAOdb rate(s) That has been previousy discbsed to you. Al the end d each day during the oiling period, we apply the daily periodic tale for each segment of your account to the deity belaxe d each segment. Then at the end d the billing Derbd, we add up Me results d these daily cebulatbns to anfve at your ~ periodk finance charge fa exh segment. We add up the resuhs from each segment to arrive m the total peAOdk fnertce charge for your account. To get the dairy halance fa cant segment d your account, we take the beginning balartce fa exh segment and add any new trarrsadiorts ant arty pedodk Marne charge cekulatetl on the previous day's halance fa that cegment. We then suDired any payments a aedita posted as of that day that ere allocated to that segment This gHas us the separate dairy balance is exit segment d y0araccauM. However, Nyou paitl Ise New Balance snows on your previala statement in full (a h your new balance was zero a a credo arrounl), new transactions, wnkh post to your purchase a special purchase segments are not added to the dally balances. We calculate the average dairy balance by adding all the dairy baWrtcea together and tlWiding the sum by the number of the days In the current billing cycle. To wkulate your total nnante charge, muhipry your average dairy balance by the defy parodic re1e one by the number of days h the billing peAad. Due to mantling on a daily basis a due to ndnlmum nnarwe charge assessment there may be a vanance between this calculatbn and me anauni d Iinance charge adualy assessed. 3. Mnual Percentage Rates (APR). a. The tens "Annual Percentage Rate" may appear a5 "APR" on the Iront d this statement. b. If the tole P (OUaricMy PAme). L (OUarieriy LIBOR), C (OUaAeM CD), a S (Bankcard PMrte) appears on fha lrml d this statement next to the perodk tale(s), the periodk tales and eomesponding ANNUAL PERCEMAGE RATES may very quenerty ant may increase a decrease based on the stated rndkes, as found In The Wall Street Journal, plus the margin prevbusty dixbsed to You. These changes wip ce enxtWe on the nret day of your billing period covered by Your perbdk atatartreM eMing in the months d January, ApAI, Juty and October. t. It the code D (MOMhty PAme). F (MOnlhry LIBOR), a G (treasury LIBOR) appears on the front of your statement neM to Ina peAOdk rate(s), the periodic retes and tonesponding ANNUAL PERCENTAGE RATES tray vary rtartihy and may increase a decrease based on the stated indkes, as found In The Wall Street Jarmel, plus the margin prevbusy discbsetl to You. These changes will be enedive on Me first day of your biWng period cant month. 4. gssessrtwnt d Late, OveAimit and Returned Payment Fees. Undarfie terms d your dntomer agreement. we reserve the right t0 waive a rat to assess arty tees vMtaut prior ratifration to you whhoul waiving our Aght to assess the same a similar lees at a later time. 5, Memberehp Fee and RenewMg Your Account. h a membership fee appears on this statement, we will credh Vte lee h you request to close your account within 30 days d the mailing d this slatemeM. Vou may continue to use the account during the 30 day period before year request. rc you do not Iwy all charges owed on thh account wkh in 90 days, a rc you use your aedh card a secant aver you request to tole, any membership fee prevbusy waWetl may be reinstated fo your account. 8. Cbsing a Suspending Vour AxouM. You may request That your xcouM be closed Dy caNinp or wMing our Customer Rdafions DepanmeM. AL the nme d your request, we will provide you with addhbnal details m dosing Your account. This maY include paYmarlt infomaffon. If You rrse you credo cant or charges Twat to your account attar you ask us to close your account, we can keep Your account open or reopen h. We may tole a suspend Your account and your right to obtain cedh. We may do this at arty time end fa arty reason, even rc You ere not in delauN. A suspension of Your attouM wit be permanent a temporary. II your account k cased a suspended, you must stop using Yol+r credh card and account. You mist oho cancel ell preaNhorized billing arrangements to the xcwM. We will not do this to you. It we close or permanency suspend your account, You must also destroy all aedh tams ant account access checks. Vou must still pay all amounts you owe us on the account, even h they were charged aver your secant K ebsed a suspended. 7. Mekkg Payments. Payments you mail to us will ba aMhed to your secant as of Iha Dullness day sue receive h. provided (1) you sentl the bosom potion o1 this statement and your Check in the enabled remMance ernebpe and R) your payment is receWetl in our Droeessing center by 3Mn ET (12 noon PT). Please slow at least five (8) business days for postal delWery. Payments receWed by us at arty other btatlon or in any other form may not be cretlhed as of the acv we receive Them Our business days are Monday Through 8. Notkx Abdul Electronk Check COnversbn. When you provide a check as payment, you aNhorize u5 erlher to use inlormatbn from your check to make a one-time electroMC fund Irattstef from your deposN xcouM a to process the payment as a check transadion. When we use infomatbn from your ctauk to make an eledronk cunt iranafer, lunch may be withdrawn from your deposit acmunt as soon as the same day we receive your payment, and you will not receive your check Deck from your f naraUl inslnul'IOn. Your aulhori2afion b rat Gmhed by the date on the Meek. We may resubmit and eledronkaly coiled returned payments. 8. Bankruptcy. II You are eMhbd fo bankruptcY Prdedbrts for your atcoum, this communkanon ar ditty for infomxafional purposes. It fs not an attempt to tolled, assess a recover a debt a CI01m Do rtd Sant arty payments directly to us without speaking whh your bankruptcy attorney a the Bankruptcy Court. II you want to contact us about your atceuM a your bankruptcy proceeding. please have your attorney eontad us. tBILLiNG RIGHTS SUMMARY pit Case d Errors a Ouestioro about Vour Bilp It you Think your bill h wrong, a I1 you need more IMOrmatbn on a Irensadion or bill, wnte to us on a separate sheet as soon as possible at the address for inquiries ahovm on the IroM of this stalemenl. We must hear from you no Islet than 80 day6 attar we sent you the first bill on which the error or problem appeared. Vou can wll our Customer Relanorn number a rtdifY us by email or webske, but ddng so will not preserve your rigMS. In your lever, give us the fdbwing iMOrmatbn: your name and xcouM number. the doaar amount of the suapeded error. a tlescriptbn of the error ant en explanation, H possible, of why you bdieve there is an error, a i1 you need mac infomatbn, a description d the hem you are unsure about. Vou do rat have to pay arty amount in queston while we are investigating h. bN you are still Mlgeled to pay the pans d your NII that are nd In question. WMIe we investigate your question, vre cannot refwrt you as delinquent or fake any adios to edged the amount you question. T Spatial Rule for Credh Card Puchases rc you have a pradem with the quaky d property a servkes that you purohased with a credh card and you have fried In good faith to coned the probem whh the tnerohant you may have the AgM not to pay the remaining amount tlue on iM property a 5ervkes. You have this proledion ditty when the puchase price was more than f80.00 and the purchase was made In your bane state a wttin 700 miles o/ your mailing adtlreaa. (tt we own a operate the nlerchaM, a rc we mailed you Ise adveAisemeM for the property a servkes, aN purchases are Covered regaMless M amount a locatbn M purchase.)Please remember to sign all tonespondence. T Dees nd app/y7n business accounts Capital One supports Inforrrenon privacy prdediom see our webshe a1 wvAV ~-nM_k~n _r•om Capital One Is a iederaly reglslere0 service mark of Caprial One Financial Corporatbn. All rights reserved. d3 2008 Capital One htpalatltiofa: Paymaes rya mat a uc rq beaedta0 b you awaatt as d tle 6uariess day ws rsodve L Road (1) Ya sent M bonatn patlm d a;e slatenan ant yoz fired h lie atdosed radrlaKe andape and (2) yea paymed k rewrod'n w Porasa'S teas M 3 p.m. ET (12 mm Pi). Reese abe ac less) frx(5) Ouiwas days fa Pawl dexvay. PaNnaxs reohed h'ta starry Data boson a h any dater kxnt mry nd be aedaed as d Ice day we remlve Nem.Otr 6taitess days ore AWdry Irotgn Basaday, exduStp Malys. Pleasc do mt usesuges. Papa rips, dc. vdtat pwaYp Yaur Pymmt ~'api~ - /whaYs in your waUet7 LET`S TALK -WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital Ones we're here to help you keep your credit on track. Give us a call. 500009 Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. Waiting on your tax stimulus check-and looking for a smart way to use it? Pay off your debt and help bring your Capital One account back to good standing. ~ 2(/(ui Capita[ Onr Service, L:e Cnpirnl One is n f drrr:llp registered service rnnrk. A![ rights reserved. Previous Balance Payments & Credits $1,347.47 - $0.00 + FINANCE CHARGE $21.31 + Transactions $39.00 = New Balance Minimum Payment Due Date $1,407.78 $185.00 Aug. 11, 2008 Jun. 18, 2008 -Jul. 17, 2008 Page 1 of 1 ~ e ilrAtC V.:~ AT IFA~T THIS AMCnIJr Visa Platinum Account 4121.747x44642835 _~~~~~ ( J ~ Your Account Information REWARDS' TOTAL REVOLVING CREDIT LINE 52,t~0.00 TOTAL AVAILABLE REVOLVING CREDIT 5592.22 CREDIT LINE FOR CASH 52,000.00 AVAILABLE CREDIT FOR CASH $592.22 Finance Charges (Please see reverse for important information) Balance rate Periods Corresponding FINANCE applied to rate APR CHARGE Purchases $1,365.49 0.05203% P 18.99% $21.31 Cash 50.00 0.05751% P 20.99% 50.00 ANNUAL PERCENTAGE RATE applied this period: 18.99% o At Your Service 100.955.7070 - To cal OubrtMS Rebtiens a b report a lost a sbkn card ® Send payments to: Capital One Bk(USA),rJA • P.O. Box 70884 • CherbNe, NC 29272-0884 A Send Inquiries to: Capital Or>e• P.O. Rox 30285 • sat Lake ary, UT 84130-0285 For More Information on your Rewards: Q Vxit: wav.capitaMe.comrpointsrewards Cat 1-800.228-3001 Have a question about a charge on your atatemenl9 Please refer to the Billing Rights Summary on the back of your statement or visit www caatakxre comldsoutes YJU~te tehind t"y' rwo paytnents. LerS t31Ic. If yilu'rE IlalrlrV3 finallClal diffaul!les and canal make your r:,inimum payr::crl - we want io help. Let's wrrk todelY!er to find a sdution. "Impodanl Notice" Under the terms we previously disclosed to you, your account s raw eligi~le for an ir>crease in Annual Percentage Rates (APRs) effective immedafely. However, Capital One t>as elected rat fo raise your APRs at this lime. Please be advised Thal if you Tail to keep your account in good siarxiirg, Capital One reserves the right to raise your APRs in the fiAure. Rewards Summary Previous available balance: 473 Eamed this period: 0 (relbcls trarsactbns posted during this ding cycle) Available Balance: 473 Payments Credits & Adjustments -- Transactions 1 12 JUL PAST DUE FEE ~ ~ You were assessed a past due fee because your minimum payment was not received by Ote due date. To avdd this fee in the future, we recommend that you allow at least 7 business days foryour minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WNNJ.CAPRALONE.COM TO MAfU: YOUR PAYMENT ONLINE. 0 4121747044642835 17 1407780050000185000 GapltalQ~• I what•s i~ Yo•r wauet)• Account Number: 41 Z 1-7470-4464-2835 New Balance Minimum Payment Due Date Please print address or phone number changes bebw using blue or black ink. $1,407.78 $185.00 Aug. 11, 2008 Address PLEASE PAY Al LEAST Home Phone Alremate Phone 1HIS A6AOlINT E-mail address ~ Amount Enclosed Capital One Bk(USA),NA Irlrrlrrlrlrrlrltlrrll P•0• Box 70884 Charlotte, NC 28272-0884 LrIIILtInrlilLulnlrllLnlirlrlnllJnllrrLJnllnill g9020069979524818f1 MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYFRED LN CANP HILL, PA 17011-5433 Inrlllnrlllnnnllnlllrlrlrrlnlnllnrllillnnnlltlnll Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How to AvoM a finance Charge. a.Cxaae PeAod. You will have a minirtwm grace peAOO d 25 days wdtaut finance charge on new purchases, new balance transfers, new spatial Durchases and new other charges d You pay Ywr total ^New Balance", in accordance wdh the Important Ndice for payments bebw, ant in lime for d to be credited by Your payment due date. There is ra grace perod on cash advances and spatial transfers. In addition, there is no grace perod on any transaction A you do rid pay the ldal "New Balance." b. Accruing Finarrce Charge. Transactions whkh are rat sub)ed to a grace perod are assessed fnance charge 1) irom Ina date of the transaction or 2) from the date the trarrsectbn d processed to your Account «3) from the first Calendar day of the curtent billing period. Additionally, d you did not pay ihe'tuew Balance" horn the prevbus billing peAOd in full, f nonce chages Continue to accrue to ywr unpaid baWnte until the unpaid balance is paid in full. This meace loot you may still owe enanCe charges, even d you pay me entire New Balance indcatea on the }roM al your statement by the payment due date, 6W did rat do so for the prevbua month. Unpaid gnarae charges are added fo fire applicable segment of your Account. c. Minimum Finance Charge. F« each doing period Ihat Ywr ettdlnl 6 Subject 10 a 1lnarae Charoe, a minimum trial FINANCE CHARGE d 50.50 wid ce imposed. d. Tartporery Reduction in Fbarrce Charges. We reserve the AgM to not assess any «all finance charges f« arty gNen filling perod. 2. Average Dagy Balance (IncWding New Purchases). ~~ Finance charge fs takuWted by rnultipying the tlaly balance d each segment d your attounl (e.g., cash adverse, purchase, special tranata, and special purchase) by the eortesponding easy peAOdic rate(s) that has been he d II~ ingyperbd, we apypy Inet de y periodic rate i«deacn segment d ywr attwnt to the dairy balarke d Bath gegmeM. Than al the eM d the billing period, we add up ine resuds d these dairy calculatbns to amve at your periodic finance charge for each segment. We add up ine reauds from each segment to arirve et the total periedk finance Charge 1« ywr accwnt. To get ine daily balance for each segment d ywr account, we lake the beginning beWnte 1« Bath segment eM add any new erensacti«rs era any periodk fnarae charge cekulated on the previous days balance for tfNl segment We then sudred any payments «credds posted aE d that day that are albtatad to that segment. The gNes us the separate daffy Galante for each segment d your account. Howev«, A yw paid the New Balance dawn on your prevbus statement in fug (« d YwrileW bai8rlte WaE Zero «8 credit arnDUM} IIBW irefrsectlons, whkh post to ywr purohase «specal purchase segments ere not added to the daffy balances. We takulale the average daffy beWnte by adding ail the daffy balances together and dividing the sum by the number of the days In the wrtenl billing eyrie. To eakulate ywr total fiance charge. mudipy Your average defy balance by the dairy peAOdk rote and by the number of days in the filling period. Due to rounding on a daily basis «due to Mnimum finance Charge assessment, there may be a variance between this talculat'an end the amwnl 01 finance charge aduely assessed. 3. Mnual Percentage Rafea (APR). a. The term "Mnual Percentage Rate" may appear as "APR" an the front d this statement b. If the code P (OW neAy Prime), L (Ouartelty LIBOfi), C (Ouaneny CD), «S (Bankcard Prime) appears m the front d this statement next to the pedodk rate(s), the penodk rates and certespording ANNUAL PERCEMAGE RATES may vary quavery ant may increase « decrease based on the stated indkes, of found in The Wa1151re01 Jwmal, plus the maroin previousy distbsed to Yw. These changes wNl ba ettective on the first day of your billing period covered by Your periodk satement acing in the months of January, Aptl. Jury ant Ociaber. c. tt the Cade D (Monlhy Prirne). F (MOnlhy LIBOR), or G (Treasury LIBOR) appears on the front d your statement next to the perbdk rate(s), the periodic rates and cortesponding ANNUAL PERCENTAGE RATES may vary mouthy ant may increase or decrease based on the elated indkes, as Iwnd in Tne Wall Street Journal, plus the meroin previwsy dLStbsed to you. These changes will be ettecdve an the first day d y«x billing period each month. d. pasessrtient o/ Late, Overkmil eM Returned Payment Fees. Under the tarrrrs d your Customer agreement. we reserve the Aght to waNe «nol to assess arty tees witlaut prior ndRaatbn to yw whhoN waiving wr right to assess the same «sirtalar tees at a later tiros. 5. Membership Fee ant Renewing Your AccwM. If a membership fee appears on this statement, we wid trade the tee d you request to dose ywr accelrM within JO days of the mailing d thk statement. You may continue 1o use the account during the 30 day peAOd bet«e your request. 11 you do not pay alt charoes owed on this eccwnt with in g0 days, «H You use Your trade qM or aCCwnt after You request to close. any membership fee prevbusy waived may be reinstated to your attount. 8. CbsMg or Suspending Your Account. You may request teat your aeCOUM be cbeed by calling or writing o« Customer Ralatbrrs pepaAnteM A7 the rime of ywr request, we will provide you wim add'nbnal detaib on dosing your attwnt. This may inUWe payment inbmtatlon. Ifyw use your credit card «charges post to yo« account efts yw ask us to tees ywr atcouM, we tan keep ywr attwnt open or reopen d. We may dose «suspard Your aerortnl and your right to odain tread. We may do this al any time ant for any reason, even d yw are rid in delaud. A suspension d ywr account can ce pertroneM «temp«ary. 11 your aeeouM is closed «suspended, You must stop using ywr tra1A cent and account. Yw must also cancel all preaulhorized filling artangemeMS 1o the aeCOUM. We will rid nfo ihi6 f« you. If wa close or partrreramy cuspend ywr attount, yw must also destroy all cedd cards and atCwnl access checks. Vw must still pay all amwMS you owe us on the aecoum, even A they were charged aver your account is cased « suspended. 7. Making Payments. Payments yw mall to us will be «edAed to your aewunt as d the business day we reeeNe d. provided (t) yw send the bodom poribn o1 mis statement and your Cheek in the enclosed remittance envebpe ant (2) your payment fE received in wr processing center by 01tm ET (12 noon PT) Please allow at least Trve (5) business days for postal delNery. Payments received d/ us at any other location or in any fibs form may not be credded as of the day we receNe Them. Our business tlays are Montlay through a. Notke About Electronk Check Converakn. When you provide a check as payment, you auttarize us eAher fo use imomution from Ywrcheck fomake acne-lime electronk fund transfer 1r«n your deposd account «to process the paymem as a Check transacion. W hen we use kformation from your check to make an declronk 1urW Iransler, funds may be wdhdrawn horn your deposes account as soon as the same day we receive your payment. ant you will not receive your check back from your financial IrlslkNlon. Vour aWhodzation is rot limited by the date on the check. We may resubmd and electronkaly edlect returned payments. 9. Banlw Ptcy. Ityw are edified to bankruDlcY Orotectkxu tot your account. IMa tortxnunkation is Dory for Ndormalional purposes. it is rot an anertpt 1o collect. assess « recover a dent «claim. Do not send arty payments direcly to us without speaking wish your bankmpky adomey «the Bankruptry Court. II you want to contact us about your aetouM «yqur bankruptcy protaeding, dense have your adomey eonWd us. TRILLING RIGHTS SUMMARY (In Case d Emas «OUestiorrs about Vour BIN) d you think your 6111 is wrong, «H you need more iMOrmatbn on a tansacion «bill, wme to us on a separate sheet as soon as possible of the address for ingdAea shown an the front d this slatemeM. Wa must hear from you no later Man 80 days attar we sent you the first fill on whkh the err« or problem appeared. You pn tall our Customer ReWtbns number a reify us by email «websde, but ddng so will rat preserve Your rights. In your laden, give us the loaowing iMOmtalbn: your name and accwnt number, the ddlar amoum d the suspected error. a descdptlon d the error and an expUration, A possible, d why you believe there o an ertor, a d you need more inlomratbn, a description d the Hem you are unsure about. Vou do rid have a pay cry amount in queston wh{le we are Investigating K but you are still od'gated to pay the paAS d ywr fill that era not In question. While vre investigate yow question. we tannd report you as dalirpueM «take cry atibn to edlect the amount you queston. T SpetWl Rula /«Credd Card Purchases 11 you have a prodem wAh the quality d property «services that yw purchased with s credd card and yw have tried in good faith to Cornea the prodem whh the merchant, you may have the right not to pay the Iertmining amount due on the popery « servkea. Yw have this prdactbn Dory when the purchase pAce was more than 550.00 and the purchase was made in ywr home Efate «wdtan t00 rriles d ywr trrafdng address. g1 we own or operate the merMaM. «d we mailed yw the advertisemem f«ihe ProDeM or servkea, all Wrehases are Covered regardless 01 amount «lotalion d Purchase.) Please remember to sign all Cortesponaence. T Doss not apD)Y b business accounts Capital One supports Information privacy prdectbn: see wr Wabaita at ="~~ is^'tabne.COm Capital One Is a lederely registered servke mark d Captal One Financial Corporation. All rights reserved. O200B Capital One knponant tlofce: Paymems you mat kus ri be aedledayoa acwntxidtie Grm eiexi day we reoaim d,Pat~(O YOU Sant tre bolkxn patlon a Cis 5talanaa acct You Brack F tra ardosed raNdaree acv MPe as 12) Yar Pa#naa arecd+adn ou a~7 ~kr try q pm. ET (12 ran PT), flease torn al lexit the (5) business Days kr peas des+arY. Payments raoaived q' xi sl ay stns kxatlon a n arty Dana krm may na h aedted xi d ere dry we recef+e tlran. Ou d9resdays ae Mmday INagr SNrdry. a~dudrq txidars. Reese do m1 ux stapes. papa d4a• ek. rdrm REF ire yax payment Capita' what's in your wallet? 500010 MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE® Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ~ 2008 Capka! One Sen+irer, I++c. Capital Onr it a frdemUy ngirtereAtervice murk. All rrglns rrserved Previous Balance $1,407.78 Payments $, Credits - $0.00 + FINANCE CHARGE $23.79 + Transactions $39.00 = New Balance Minimum Payment Due Date $1,470.57 $262.00 Sep. 12, 2008 Jul. 18, 2008 - Aug. 18, 2008 Page 1 of 1 ~ : - nraa[ on ai rfai??nr., aracalM Visa Platinum Account 4121.7470.44642835 _i~~~~ ( ~-- Your Account Information REWARDS- TOTAL CREDIT LINE 52,000.00 TOTAL AVAILABLE CREDIT $529.43 CREDIT LINE FOR CASH 52.000.00 AVAILABLE CREDIT FOR CASH $529.43 Finance Charges (Please see reverse far important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,428.96 0.05203% P 18.99% $23.79 Cash 50.00 0.05751% P 20.99% 50.00 ANNUAL PERCENTAGE RATE applied this period: 19.99 Q At Your Service - Go to ww++caoilakne.aom a manage your aooaril «Cat 1~W-955.7070 b report a bsl a sblen card «speak a CLstomer Reutions ® Pay Online of wmv caoilabne can a mail ywr payrnent to' Capital One Barvc (USA), N.A. • P.O. Box 70881 • Charbtte, NC 28272-0884 A Send Inquiries to: Capital One• P.O. Box 302&5 • Sal Lake Cdy, UT 84130-0285 ~~ Manage your Rewards online by visiting «Cat 1-800-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www cadtalone comldisoutes Yoe re behind try: three payments. But ycu rare brine your acccuni current try payinG the minimum prym^ni amount on ywr s!at• nenl I(you're having financial diffcuhies and you're feeling o:+erwhelmed - wewant to help. Give onr. of our asscrizt(5 a r II a? t. ir'J.~~5.f~(. i0. Yodd to surprised what we can ~i~ tocelfrer to work this cut. "Important Notice" Unrkr the terms we previously discbsed to you, your account is raw elgble for an increase in Annual Percentage Rates (APRs) efleclive immediately. Honever, Capital One has elected rat to raise your APRs a1 this time. Please be advised that it you tail to keep your account in good standing, Cap,ilal One reserves the right to raise your APRs in the future. Rewards Summary Previous available balance: 473 Eamed this period: 0 (refbcls tra5aotims posted during this titng deb) Available Balance: 473 Payments Credits & Adjustments Transactions 1 11 AUG PAST DUE FEE 539.00 You were assessed a past due fee because your minimum payment was not received by the due dale. To avoid this fee in the future, we recommend that you albw ai least 7 business days tor your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONUNE. 0 4121747044642835 17 1470570050000262003 Callltal ~~• I what's in roar wallet?• Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date Please print address or phone numberchangesbebwusingblueorbWckink. $1,470.57 $262.00 Sep.12. 2008 Address I'LF11SE I'AY Al ItA51 Home Phone ANemare Phone THIS APAOUtJT E-mail address ~ Amount Enclosed ~~ Capital One Bank (USA), N•A• P•0• Box 70884 Charlotte, NC 28272-0884 llhhltlll~lrlllll'I1111PIhI111n1tuP11•llrlrnllltullrll p90233699795248191f MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYFRED LN CANP HILL, PA 17011-5433 Ih•Ihrl'Illllhlrlll'rml^n1411111111rrlllh"1'1111'1'1 Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON t. How to Avoid a Finance Charge. a.Grace Portod. Vou wilt nave a Mnimum grace perod d 25 days wtthout finanu charge on new purchases. new balance transfers, new spatial purchases end new dher charges k You paY Your trial "New BBlante", in aCCOrdance wkh the Important Ndice td payrnenis Debw, and in erne fd k fo be tredtted DY Your payment due date. There is m grate perod on cash advames am special traMlere. In addition, there ism grace period on any transaction k you do ml pay the ldat 'New Balance." D. Accruing Finance Charge. Transedkra whicn are ml subject to a grace period are assessed finance Charge 1) Iran the dale OI the irencadi W or 2) from the tlate the traruaNOn k processed to your Account d 3) homtne first calendar day d the curtest filling period. Addiaonaly, i1 you tlitl not pay the "New Balance" ham the pevous billing peno0 in tuts, finance charges cenlinue to accrue to your unpaid balance until the unpaM balance is paid in fug. This means that you may sgY owe (name merges, even k you pay the enure New Balance IMkatetl on the iroM d your statement by the payment due date, bus did rid do so for the prevviWS month. Unpaid fmnce charges are added to tM appacade segment d your Account. c. Mininum Fklama Charge. Fa exh filling period that your aeeWM B subject to a tinarge chage. a minimum trial FINANCE CHARGE d 50.50 will ce imposed. d. Teniporery Redudbn let Ftrance Charges. We reserve the ngM fo rid assess any or all gnente Charges tar any gWen dlling period. 2. Average Daley Balance QncWding New Purchases). Finsnte Charge k cekulated by murilpying the dairy balance d cam segment a your account (e.g., cash advame, puronase, specks iranster, and special purchase) M' the eonesponding dairy perbdk rate(s) that has been previdusy disclosed to you. AI the end d exh day during the doing period, we appy the dairy periodic rate is each segment d yax actoum to the dairy balance d each segment. Then at the em d the billing perod, we add up the reruns d these daffy calculations to emve at your penodk finance charge 1a each segment. We add up the results tram each segment to artNe at the total penodk (manse eNrge for your axWnl To gel the logy balance fa each segment a your account, we take the beginning halante fa eaen segment and add any new transactions and any perkdk finance charge cakulatetl on the previous days balance fa that segmam. We then sutured any payments d credits polled as d that day Ihel are attoceled fo that segment. Thk gNea us the separate daffy balarge for cam segment d Your xtouM. However. a you {aW the New Balame sfavm on yWr prevous atalement in full (a N your new DalinlCe was zero a a credA amount). rlew varuactiom, whicn past q your purchase a special purchase segments are rid added b the dairy balances. We CalWlate the average logy balance by adding all Ifs dairy balanced together antl divaing the sum by the number of the days in the current billing cycle. 7o calculate your trial finance charge, mukiDN youraverege daffy balance by the tlaiy periodic vale and Dy the number of days in the Dining period. Due to rounding on a daily basis d due t0 mnimum 1lnance Charge assessment. there may be a variarwe between this caltulalion and the amount a finance charge actually assessed. 3. Mnual Percentage Rates (APR). a. Tne tenn'AAnual Percenlaga Rate" may appear as "APR" on the Iran d tots statement. b. II the code P (GUaneny Pnme), L (OUadedy LIBOR), C (OUaneny CD), a 5 (BankcaM Pnme) appeaa W the front d this statement next to the pergdk ace(s). me periodk rases ant earesponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase a decrease based on the slatetl iMkes, as sound in The Wall Street JWmai, plus IM margin gevbusry dixbsed b You. Theca Changes will be etlective on the first day OI yW r billing period covered by YWr penodk slatemeM ending in the months d January. April. Jury and October. c. If the rode D (MOnthty Prime), F (Nbrtthy LIBOR), d G (Treasury LIBOR) appears on the front d your sretement next to the periodk rate(s), iha periodic rates and wnesponding ANNUAL PERCENTAGE RATES may vary monthly end may Imrease a tletra9se based On the staled indices, as fountl In The Well Street JWmai, plus the margin gevwusy dixbaea to Yce~ Tt>~ changes will be egxtive W the fkst day d your billing period cam month. 4. Assessment o1 Late. Ovenimil am Resumed Payment Fees. Under the Jenne d your euslomer agreement, we reserve the ngM to waive a not to assess any feet wkMUt prbr noltkcation to you wlihoul waN'mg ow nghl to aaseas the same a similar lees ei a alter time. 5. Memberehp Fee ant Ranewkg VWr AooWM. k a mertiberehip tee appears W this sutemem. we will credtt me fee tt you request to dose youracoounl within 70 days d the mainrg d this statement. You may ca5lirwe to use iho account during the 30 day period before yod request. If you do not pay all charges owed on this account wkh in 90 days, a k you use your Cradle cant or account after you request to cbse, any membership fee gavbusy waNed may ba reinstated l0 youf 9UAUr1l. 6. Cbskg a Suspending Your Aecarm. You tray request Ihat your account ce cksed by tailing or writing our Customer Relations OepanmeM. At the time OI your request, we will provide You wkh addribnai details on closing your account This may kglude payment intomatkn. Il yW tae your trade qrd or merges post to your account after you ask us l0 close your acwuM, we tan keep your account open a reopen k, We may ckse or suspend your account ant your right to oaaM credtt. We may do fhb el any lime and fa any reason, even k yW are not in da1aW1. A suspension d Yea account can ce pertnaneM a lemporery. It your account k cased a suspended. You neat stop using your aedk cant and account. Vou mull also Camel all preaWmnzed bill'mg 8rrelgemeflla 10 the aaWM. Wa will rid d0lhis 10f you. If we cbse or permanentry wspend your aCCWr11, you must also destroy ell Cradle cards and account atcosa Checks. YW must still pay all armuMS you owe us on the account, even k they were charged aver your account is dosed a suapentled. 7. Making Payments. Payments YW mail to us will be credked to yWrattouM as of the business day we receive k. govkled (t) you sand the bonan ponion of this sretemem and your Chxk In the enclosed remMarite envebpe and 14) your payment Is received in our praessing censer b% 3pm E7 (12 rkon PT) Please allow ai least five (5) business Bays for postal delivery. Paymens receWed Dy us al arty dher kxation or in any dher lam may not be credtted as of the day we receive them. Our business days ate Monday through 8. Notice ADOUt Ebdronk Check Converebn. When you provke a check as payment you aulmnze us ekher b we inlormation from your check b rtake a one-time electronic fund transfer from yew depoak acoount d to process the paYrnent as a Check trensadbn. when we use infatuation (ran your cnxk to make an electrmk fund transfer, funds may ce wdndrewn from your depcak account as soon as the same day we receive your payment and you wgl nd receive your drretk Deck Irom your fuantlal instttution. V W r autnaization k rqt liniled by the data on the check. We may resubmit am electronkaly celled returned payments. 9. BanlwDtCY. N you are entitled to benkruplcY profedions td your aCCWM, this communkation k ony for iMOrmana+al purposes. It b not an attempt to collect assess a recover a debt or daim Do rot send ant PaYrraMS directry to us v41noN speaking with your benknlpicy atlaney a the Bankrupcy C Wn. tt yell want to Caned us about your aewuM a Your bankrugcy proceeding, please have your anomay eomad us. T81LL1NG RIGHTS SUMMARY fin Case d Enos a Ouestiora about Your Bilp k you Ihink your bill b wrong. d k you need more IMOmvtbn on a transactor or bill, wma to us on a separate sheet as soon as possible at the address for inquiries shown an the front d this slalemart. We nwst Dear trap you m Islet than 60 days aker we sent you the lust rill on whkh the end a problem appearetl. Vou tan call rwrCuafarar Relegore number a ndkY us by email or webske, bus doing so will tut geserve your rlgMa. In your lever, give ua the ldlowing IntomW bit: your name and account number. the dogar amount d the susDeded era, a desMplion d the error and an exganalion, k possible, d vdry you believe there k an error, a k you need mare IMdmetion, a description d the ham you are unsure about. You do not have to pay any amount in question while we are invesigating k, bus you are s1W oNgeted to pay the pans a yow WN Coat are not M question. While we investigate your question, we canna repot you as delinquent or take any action to edged the amount you question. t Spedal RWe to Credit Card Purchases k you have s goDlem wkh the quality d property a servces That you purchased wiM a credri card ant you have frkd in good lakn to coned the godem wtth the merchant you may nave the dgM rid to pay dw remaining amount due on the popery a servkas. You nave this praeclbn ony when the Purchase price was more than 550. W and the purchase ores made In your borne slate a within 100 rrYlea d yWr mailing address. g1 wa own a operate the rnercnaM, a H vre mailed you the advenisement for the property a services, ag purchases are Covered regardless a amount a location d purchase.) Please remember to sign all conespondence. t [bas rid appry fa business accounts Capital One supports IMOrtrollon privacy prdedbn: sea W r webska a1 ~ Capital One is a federely registered service mark Of Capital One Financial Corporation. All rigMS reservetl. ©4006 Capital One Ynpwnttloece: Paymens rya mat ducal daedeed ayos acoxnt asdthe buawss day tre retake ri,paided (1)yar sendh Uatwln Palm d asaatanaa and You dwckn ax wxkaedrariaaxs enMpe and P)Y~ pagmaabrood.etl h w Pis teas Dy3p.m. ET(72 nom Pt) Pleas slow atkwl he(5)bu9as days WPaWIdM'aY.Pa/mmis repNed by uc st dry oatw laysm ah dry otlxr lean msy rid be wedged u d Ihedy we redM tlan.Ou bu~ess dens re Monday erwy~ 5aerday, exdudig ncldari. Pkue do tut use sups. PaPar dq, etc vAwi PW><na Y~ P4tI~tL ~apita~ - what's fn your wa7/et? TAKE CONTROL OF YOUR CAPITAL ONE° 500°" ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. @ 2(1(IR Cnpital One Srruirrr, Inc Cal»tal One it a federally r<Xitt<nd seruirr mark. A/I rights nmrord FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date / $1,470.57 - $0.00 + $23.25 + $39.00 = $1,532.82 $339.00 Oct. 13, 2008 Aug. 19, 2008 -Sep. 17, 2008 Page 1 of 1 Ysa Platinum Account 4121.747(1.44642835 ~ N ~u 1 Your Account Information i O a e REWARDS TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $467.18 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $467.18 FIfAS[ P? ~ aT I£:.Si THIS .,rlW M You're t'<_hind Fq~ fear pa,•ments. But you can sti0 bring ynur accoun± current by paying tt>E minimum paym~tt amalnt er, year statement. IVee<i hlp? bide us a call al 1.8GC.955.E6C0. tke II work 4Jge?her le firnd a selutior:. "Important NotKe" Under the terms we previously disclosed to you, your aaount is now eligible for an increase in Annual Percentage Races (APRs) effective immediately. However, Capital One has elected rat to raise your APRs at this time. Please be advised that ii you fail to keep your account in good standing, Capital One reserves fhe rght to raise your APRs in the future. Rewards Summary Finance Charges (Please see reverse for important information) Previous available valance: 473 Balance rate Periodic Conespondng FINANCE Eamed this period: 0 applied to rate APR CHARGE (retbcls transactions ponied during this bing cycb) Purchases $1,489.52 0.05203% P 18.99% gyd.~ Available Balance: 473 Cash 50.00 0.05751% P 20.99% 50.00 ANNUAL PERCENTAGE RATE applied this period: 18.99% Payments, Credits 8 Adjustments At Your Service - Go to wwx.ceoilekne.oom bmanage yaa aooount, O - or Cat 1800.9557070 b report a bsl or sb6n cad or speak to Orstomer Transactions Remlbns 1 12 SEP PAST DUE FEE S39.JX1 ® Pay Online at www.aritabne.com or mail your payment to: You were assessed a past due fee because your minimum payment was not received by the due date. To Captel One Bark (USA), N.A. • P.O. Box 70884 • tlabtte, NC avdd This fee in fhe future, we recommend that you allow al least 7 business days for your minimum 28272-0884 payment to reach Capital One. A Send Inquiries to: CapBal Onr P.O. Box 30285 • SaA Lake Oty, In 84130-0285 Manage your Rewards online by visiting Grd or Cat 1-804228-3001 Have a questbn about a charge on your statemerA7 Please refer to the Billing Rights Summary on the back of your statement or visit www.caoilalone.com/disoutes PLEASE RETURN PORTION BELOW WRH PAYMEM OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMEM ONLINE. 0 4121747044642835 17 1532820050000339007 ~apitalQ~• I what's in your wallet?' Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date $1,532.82 $339.00 Oct. 13, 2008 I'LtIaSE I'AY A I LEAST THIS APAOUNT Amount Enclosed Capital One Benk (USA), N.A• P.0• Box 7OJS84 Charlotte, NC 28272-0884 Ilhlunnrhrlllll'Illllllhlhtluihllnlyd'Irnlllrnllrll %ease print address or phone number changes below using blue or blade ink. Home Phone Alternate Phone bmai/address rY9026269979524818t1 MAIL ID NUMBER MOLLY ROBERTSON 2303 nAYFRED LN CANP HILL, PA 17011-5433 'Illllhh'I'Plhllhd'III'rrtlr^Ilnl'IlhPrlh'nl'InlNll Please wrRe your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON t. plow to Avoid a Finance Charge. a.Groce Period. You will have a minimum grate period u 25 tlays wnhad finenoe charge on new Purchases, new belanta transfers, new special purchases ant new other charges H YW PaY YWr teal "New Balance". in accordance wnh the Important Notice for payments bebw. and in time to H to be tredned by your paYrr'enf due date. There o no grace period on cesh advances and special transfers. In adtlnion, there is ra grace panod on any tran3actton H yW do not pay the total "New Balance." b. Awtring Finance Charge. Tronsaakns which ere not subject to a grow period are assessed finance charge t ) IrOm the date of the transacion a 2) from the date the transaction is processed W yWr Aooourtt u 3) komthe first Calendar day of the curtest billing period. Additionalry. n yW did not pay the "New Balance" from the previous billing periotl In 1uN, finance charges continue to accrue fo your unpaid balance until the unpaid baance is Daid in full. TMs means that yW may edit owe Anance charges, even H yW pay the entire New Balance indicated on the start o/ your statement by the paymem due date, bN did not do so for the prevlWa month. Unpaid finance Charges are added to the appikahle segment of your Account. c. kWdmum Finarwe Charge. For each bitting periotl that your aCCWM h subject 1o a finance Charge, a mlMmum tdel FINANCE CHARGE of 50.50 will be imposed. d. Temporary Reductbn in Finance Charges. We reserve the rgM fo not assess any a ell finance charges for any given bitting praliod. 2. Average Dairy Betante (Including New Purchases). Finance Charge b cek911atetl by munipyirg the dairy beiante u each segmerA u your attWM (e.9~. tech advance, purchase, special iramter, and apeciai purduse) by the Corresponding daffy perodk rate(a}that has been previouay dlsebsed to yW. At the end u each day during the Mlling perod we apply the daily perbdk rote for each segment of your atCOUM fo the dairy balance u each segment. Then at the end u iha billing prsrbd, we add up the resuns of these dairy total latbna to antve at your penotlk finance charge for each segment. We add up the rasuas from each segment to ensue al the foal periodic finance charge to your account. To get the daily balance for each segment of your ecccuM, we take the beginning baMnce fu each segment and add any new tronsaaions end arty perbdk finartte charge nkulated On the prevous day's balance for Thal segment. We then suprea any paytneMS u eredns posted as of that day that are allotaled fo that segmem. This galas us the separate daily balance for each segment of your account. However, n yW paid the Naw Balance shown on your previous staterraent in lull (u H your raw balance was zero u a eredH arraUnl}, new traraaCtions, whkh post to your purchase a special puchase segmerra are nu added a the daffy balaraes. We talWMfe the average dairy batartce W adding a0 the day balances together and dNiding the sum by the number u the days in the WRent billing Cycle. To Ukulate yWr101a1 finance charge, muMpy YWr average dally halarae by the dairy prMOdic rate and tN the number of tleya n the bgling perod. Due to rounding on a daily basis or due to minimum trance charge assessment, there may be a vananee between this CalWlatbn and the amount of finance charge ectualry assessed. 3. Mnual Percentage Rates (APR). a. Tne term"Annual Percentage Rate" may appear as "APR' on the ironl u this statement. b. I1 the cotle P (OUarterry Pane). L (Ouarerry LIBOR). C (OUarerry CD), a 5 (Banktard Prme) appears on the front u this statement next to the penotlk rate(s), the penWk rates and eortesporaing ANNUAL PERCENTAGE RATES may vary quartarty ant may Increase udecrease basetl on the stated intlkes, as sound in Tne Wall Street JWmal, plus the margin previously discbsed to You. These changes will be eHectbe on the first day u yW r billing pedod covered by yW r perkxlk afaletranl ending in the rtanths u January. Apll, July and Oaober. c. If the rode D (MOMhty Pane), F (MOnfhry LIBOR), or G (treasury L1BOR) appears on Ina Irons of your statement next fo the parbtlk tale(s), the parodic rates and correspaabg ANNUAL PERCENTAGE RATES may vary rranlhy and may Increase a decrease based on the stated Intlices, es fountl in The Wall Street JWmal, plus the margin pravfousN d'rsclosed to You. These changes wilt be eHeatve on the first day o1 your billing perbtl sent north. d. Assessment of Late, OverYMt and Resumed Payment Fees. Under iha Irann u yWr customer agreement, we reserve the right to waive u nW 1o assess arty teas wnhoN prior ratiraatim to you Wi1MN waiving our rgM to assess the same or similar fees al a later time. 5. MonEershq Fee and Renawirtg YWr Aooount. H a membership tee appears M lhla Statement, we win credo the fee H yW request to dose your aaouM wigtb 30 days u the mailing u 1f»s statement. V W may continue to use the octal M durlrg the 30 day perod cefore yW r equest. If you do not pay aN charges owed on this attount wHh in 90 days, a H yW use your tredH card or account oiler yW request to thee, any membership fee prevousy waWetl may be reinstated to Your account. 6. Cbsirg or Suspending YWr Aooount. You may request that your account be closed by calling or wrtinq our Custonur Relations Department AI iha time of your request we will provide you wnh additional tletaib on closing your account. TMs may include payment biom>ation. If yW use your cretln taro or clurgas post Io your account oiler yW ask us fo cbse your account. we can keep your account open u reopen il. We nay dose or suspend your account ant your ngM to opals credo. We nay tlo iris a1 any lime and is any reason, even n you are not kt detour. A suspensbn of yow attWM qn be permanent u temporary. 11 yWr account k Cased Of suspended, yW RWSt 610p n9ing yWrCredH Urd and account. YW must also cancel alt peaNhorzed billing 8rtarlgemel11510 iha aCCWM. W8 Will nM d01M6 id y0u. 11 we cbse or pemanently suspend YWr accormt, you must also destroy all credo lards and aaW M access checks. YW must slUl pay an amounts you owe to on the account, even H Ivey were charged aner your aecouM is Nosed a suspended. 7. Makkg Payments. Payments you mail to us will be Credited to your atCWM es ulha business day we receNe n, provided (t) You send the bohom portion u this statement and your chalk in the eralosed remMance anvebpa and (2) your payment fs reCeNed in Wr processing tenter by 3pm ET (12 noon PT). Please avow at least five (5) business days tort postal delNery. PayrneMS receNed by us at any other bcallon or in any dher toRn may not be 1redNed a3 of the say we receive them. Our business days are Monday through 8. Notice Abdul Electronk Check Comersbn. Wfun yW provbe a check es payment, You aWhonze us either to use inlomution from your snack to nuke a one-time electronk fund transfer tromyour deposes aCCOUM u to process the payrrrent as a check transaction. Wren we use infomution Irom Your check Io nuke an dearu+k fund trensier. fUMS may ba withdrawn from your deposit account as soon as the same day we receive your payment, ant yW will nd receive your check balk Irom your financial inslautbn. Your authorization b rat limited by the data on the check. We may resubMt era elenronkaly tolled resumed payrreMa. 9, BankNPlty. It yW ere entitled fo bankNpiCY proteclkxu for your accWnl, this crommunkalan is ony for Infom allanal purposes. It is not en attempt to colleu, assess a recover a debt u cWim Do not send arty payments direary to us wimtuf speaking wnh yWrbanknrpiry eibmey a the BankNplcy CWr. If yW waM 10 Contact Uf about your account a your banlwgcy praceedinq, please have your aHomey conlacH us. TBILLING RIGHTS SUNIMAF2Y fin Case al Errors a Ouesaoro about V Wr Bilq H you Mink your bUl is wrong, a H you need more IMOmutbn on a iraruaabn a bill, Write to ce on a seperote sheet as soon es possible at the address fu inquires shown at the front u this statement. We must hear from yW ra toter then 00 days after we sent yW the first MN on whkh the erta a problem appeared. VW can call Wr Cussortwr Relations number a ndihy w by email a wedsNe, but ddrg so will not preserve yWr ngMS. In your letter, give us the tolkrvaing krlernlalfon: your name and aCCWM number.lM dogar atreum of the auspecled ecru, a dmcrplion of the ertor ant an explanation, n possible, 01 why you beNeve there is an error, u H yW need more Inlomution, a descrption u the Hem yW are unsure about. V W do not have to pay arty amoum in question while we are irrvestigaling n, bN yW are stilt obligated b pay the pars u your dU that era nor in question. While we investigate Your question, we Canna report you as delinquent or take any adbn io tdrecl the amount you question. } Special Rule tort Credit Card Purchases H you have a prohiem wnh the qualiry o/ property or servkes that yW purohesed with a credN card and yW nave tract in good faith to Correa the Dropem With the merchant. you may love the right not fo pay the remaining amount due on the property a servkes. YW have fhb prNectbn only when the purchase prce was Rare than 550.00 ant the purchase was trade in your home stale or w11Nn 100 miles of yW r mailing address. (It we MM Of Operate gee rttetchaM, Or H W8 malktl yW the adverisemant la the property a services, all WMhases are Covered regardtesc u amWnt a bcetNan of purchase.) Please renumber to sign all correspoMence. T Cues rbl appy ro business aCndun75 Capital One supDuts inlomwtkn prvacy protettbn: see W r websne et www caNfabne.crn0 Capital One is a federely registered service marK of Capital One Financial Corporation. Aa rghts reserved. 02008 Caprai One _t. knpornnlNofx: Paimaus rya mat bra W be aedled ro you aooourt as d as 6uaWa dry we recei+ek Posed (1) rya said ass batten W am d ss slstanar and Yea dxca h ax avdwed rrs~dilace amfaDeand (2) Yru pennaa b revived n w procwanp teas by3p.m. LT (12mm PT). Plesse slaw atbrl lve(5)dansas dsys fa postal dtiwrY. Paymena reeved b/lanarry ofar krasmeit +ny oaae lam may not b aedled as d ale dry we recd+e dam. Orr bub;aass day6 ae MaNay arwJl Sakrday, adudr5 hcidsR. Pkaae do not use slatlas. paper d'ps, do afar Ix WarFq yar psymenL 500012 ~apitajwOneln your wallet] IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ©2008 Capital One Srrrdcrr, Lrc. Capita[ One it a federally regirtrrrd rewire mark. AU rig!#t rrserr~rd FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,532.82 - $0.00 + $24.21 + $39.00 = $1,596.03 $418.00 Nov. 11, 2008 Sep. 18, 2008 -Oct. 17, 2008 Page 1 of 1 Visa Platinum Amount 4121.7470.44642835 /// /N H l Your Accountlnformation ~ o ass e REWARDS TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $403.97 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $403.97 Finance Charges (Please see reverse t« important intormafion) Balance rate Periodic Conesponding FINANCE applied fo rate APR CHARGE Purchases $1,550.94 0.05203% P 18.99°.6 $24.21 Cash $0.00 0.05151%P 20.99% 50.00 ANNUAL PERCENTAGE RATE applied this period: 18.99% Q At Your Service • Go b wwN.ceoitebne.oom b manage your eooount, «Cat 1-8W9557070 b report a hsl «ablen card «speak to Qistomer Relnions ® Pay Online at t t~ ,~« malyour payment b: Capital One Bank (USA), N.A. • P.O. Box 71083 • GharbBe. NC 28272.10&3 A Send Inquiries to: Capital Ore' P.O. Box 30285 • Sal Lake City, UT 84130-0285 tAanage your Rewards online by visBirg t «Cat 18(!0.22&3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement «visit www.caatalone.com/disputes rr[at[ o<•; ~t i.wtT ti:a ska'nrr You're behind t;~ fr:z peymzn!s. i"lobe permanentF/ rave4:ed ycur ct;arging privileges. I`yoc U~nlioue ?o r: is payments ycur ac[xun; is at risk of being ctwrg~+, oY. Pkase dcn'I le. this hapTx n. I' you re. icflirg o•:'ervnc~amed. call us at 1.ifC~'?.Sf.5.6otA7.44e.'II `!!Ork With yW to reSGIVC this m911F,f. "Important Notice'' Under the terms we previously discbsed to you, your aaount is raw eligible far an ir>crease in Ann~i Percentage Roles (APRs) effective immediately. However, Capital One has elected not to raise your APRs al this time. Please be advaed that if you tail to keep your account in good staridirg, Capital One reserves the right to raise your APRs in the future. "IMPORTANT NOTICE" Beginning with your December 2008 statement, your Minimum Payment will ra bnger include trar~saciion tees {non-periodic finance charges), such as Cash Advance tees and Balance Transfer tees. Also, you must pay a minimum payment every biilirg period you have a balance. This minimum payment is required even if you paid m«e than the minimum payment «made mulfple payments in a previous billing period. Rewards Summa Previous available balance: 473 Eamed this period: 0 (ret6cls trensxtions posted during This 6iing cycle) Available Balance: q73 Payments. Credits 8 Adjustments Transactions 1 130CT PAST DUE FEE $38.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you albw at leash business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW W[TH PAYMEM OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121747044b42835 17 1596030050000418000 Ga ~- Account Number: 4121-7470-4464-2835 ,tend a hand Save the land Due Date New Balance Minimum Payment ose d A-mount Encl . . Manage your account online today- ~ - ~ ` Nov. 11, 2008 $1,596.03 $418.00 it's fast, easy and secure. U Q Pay online anytime-no more checks, stamps or clutter. PifASE PAYAf LFASi THISAFdOUNT Movin 7 Chan a our address online or on the back. 0 9 9 Y ®Help save the planet-GO pa perless. 1190292699795 2481 S p ($1 Sign up at vvww.capitalone.cpm. NOLLY ROBERTSON 2303 HAVERED LN Capital One Bank (USA,, N•A. CANP HILL, PA 37031-5433 P•0. Box 730133 n I r I l e 1. 1 1 111 Ir I. I. n I Ldrl 1. I I I III 111 11 III 11 Ill 1111111 I I 1111 ll Charlotte, NC 28272-30x3 111r11rr1"'11111"111'11111111rr1'1'1'111'1"111111'llll'11'1111 Please make checks payable to Capftal One Bank (USA), N.A, and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 7. How to Avow a Finance Charge. a.Grace Period. Vou will have a minimum grace periotl d g5 days without finance charge on riew ptmchases. new balance Iransters, new special Wrehases and now other Merges X you pay your trial "New Balance". in actardence with the Important Ndite for paYrreMc bebw, and in fine f« h to be credried by your payment tlue date. There is no grate petlod on rash aMances ant spatial Irarnfers. In atldition, there k ra grace panod on any ironsadion H you do not pay the local "New Balance." b. Acauing Finance Charge. Transactlons whkh are rat subjad b a grace period era assessed fmance Charge t) from the dale d the irensaabn a 2) from the data the transadbn k processed to your Account «3) from the fimt taleMar day dihe current billing period. Additionalry. g you did not pay the "New Balarke"from the pevous billing period k tuU, finance Charges wminue to accrue to your unpad balance until the unpaid balance is paid in 1WI. This rnaaro Ihat you rriaY stiN owe faience charges, even m you pay the entiro New Balance Indkated on Irw front of yam statement by the payment tlue data, but did rot do so (« the pevous month. Unpaid Tinarae charges are added b the applicade segment d your Account. t. MtlnMnum Fkance Charge. F« each billing padod Ihat your account a subject fo a Onartce charya, a minimum trial FINANCE CHARGE d $0.50 will be imposed. d. Temporary Redudbn m Finance Charges. We reserve the ngM to not assess any a all finance charges for arty given billing perod. 2. Average Dairy Balance (Irrdu0rng New Purchases] Fironce charge is eakuWted by munipying the dairy balance of seen segment d your aftounl (a.g., teen aaaance, purohase, apecbl transfer, end spefkl purchase) by the eolraspaMing dairy perbdk rate(s) that has been preViWSty dhclceed toyou. At the eM d each day during IAe biking period, we apply the tlalty penodit role for each segment of yam aaounl to the dairy balance d each segment. Then al the end o11he billing period, we add up the results d these daily cekutatbns to aMVe at your pedWk imante charge to each segment. We add up the reauha tram each segment fo amve st me total periodk 1lnertce charge 1«your account To yet the dairy balance fa each segment d your acoouM, we take the beginning balance la Bath segment ant add any new trensadi«ts and any periodk finance cnar9a CakWated on the previous days balarae to that segment. We than subtract any paymams or credits posted as d that day that are alktcated to that segment. This gNes us the sepaate dairy balance for each segment d your account. Fbwever, k you paid the New BaWrtce stawn on yam prevbua statement ht iWi (ot H your new balance was zero «a credo arrouM), rieiv transad"ans, whop post fo your purchase w specal purchase segments arena added to the daft' balances. We cakuWle ma average dairy bsWrae by adding aN the dairy balances together and dNWing the Sum by the number d the days In the current billing cycle. To cekWafe your trial fnance Charge, Intaipy Your avaroge defy balartce by the dairy pMOdit tale antl uY the numcef d tlaya In me filling period. Due to rounding on a dotty basis «due b minimum Thence Charge assesarcenf, there may I>e a variance between this takulatbn and me amount d finance Marge adualy assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percemege Role" may appear as "APR" on the from d ihls statement. b. Iifhe code P (OUanedy Prime). L (OUanerry LIBOR), C (OUanerry cD), « s (Banktard Prtme) appears on the iron d this statement next b the pariodk rate(s), the periodk rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly eM may Increase «decrease basetl on the Staled indkea, a6 found In The Wall Street Journal, plub the margin prevbusry ascbsed to You. These changes will be eneelive an the first daY d Your billing period covered by Your periodk statantent eMirg in the months d January, April, Juty and October. c. I1 the rode D (MOnthry Prime). F pdonthty LIBOR), or G (Treasury LIBOR) appears «t the tram d yoW statemam next to the periodk role(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES maY vary montMy ant may Increase or decrease based on the stated iMkes, as found in the Wall Street Journal, plus the margin gevbucry discbsed to you. These changes wiU be e/1edNe an the first day d your billing pence Bath trontn. 4. Assessment of Late, Ovemmit end Returned Payment Fees. Urder the terms d your fustomer agreement, we reserve the ngM to waive «ra11o assess arty tees without prior namkation to you wahoW weNing our ngM to assess the same «similar fees at a W1ef time. 5. Menibershp Fee and Renewirq Vour Aooount It a rrterTafership tea appears on mis statement, vre wia treda the lea U you request to dose Your aaaunl wtntin 30 days d the mading d this slatercent You may continue to use the account during the 30 tlay period bet«e Your request. Ii you do not pay all charges owed on this accoum wllh In 80 days, a M you tree yam credit tare «exotmn alter you request to close, arty membersmp tea prevfousy waNe4 may DB reinstated to your eaoum. fi. Cbsirg or Suspending Your Aaount. You may request that your etCWM be cbsed by Calling «wriling our CUatanl8r Ralaliais Depanmem. Ai iha time d YWf request. we will provkle you with addkbnal details on closing your aeeoum. This may include payment information. ll you use your credo care or charges post a your account aher you ask u5 to Close yWr account, we tan keep YW r BCCOnM Open a reopen ti We may Close «suspend your account ant your ngM to obtain credit. We may tl0 M6 al any time and /« arty reason, even k you are not in default. A suspenabn of your actounl can be permanent «temporory. 11 Your atCOUnI h closed «suspended, you must slob using your credN Cant and aCtouM. You rmist also wrtcel all peaWhonzed btlang amngements to the account. Wawill clot do this fa you. Ii we close or permeneMly Suspend your account, you must also destroy all ttedU tams and atfaunl access checks. Yau toast still pay all amounts you owe us on the account. even d they were charged aher your account k cbsed or suspeMed. 7. Making Payments. Payments you mail to us will be credited to your acwuni as d the pusinesa say we receive U, provMed (1) You send the bottom portion d this slafemenl and your check in the encbsed remittance emebpe ant (2) your payrltent is receNed in our processing center by OPrn ET (12 face PT) Please afbw at least rive (5) business days for pcetai delivery. Payrrents receNed N' us at any ocher bcetion or in any dhBr 10f111 may rat b0 Creaked as Of the Oat' We receive Ittrrm Our huskers days are Monday through 8. Ndke AhoW Electronk Check Conversion. When you provide a check as payment, you aWhpnze us either to use Information from your check to make aone-time electronk lard transfer from your depak account «to profess the payment as a check lronwdion. When w8 use iMormafbn from your check to make an aleclronk furl tronsler. funds rnaY be withdravm from Your depceU account as soon as iM same day we receive your payment, ant you Will rat reGaive your check balk from Your finarKial IncMWion. Vour eWtgnzatbn is rat limned by the date on the check. We may resubrNl and electronkalty coiled returned payments. 9. BankruPtey. If you are eMiaed to bankruptcy prdedions t« your acCarM, this tommunkauon K onty for Infom~tiorrel purposes. It k not an attempt a Idled, assess a rerbver a debt or claim Do rat send arty payrrwnla directly to us wlthoW Speaking wtth your OenkrupMy allonaey «Ihe Banluuplcy Coup. I1 you want to Conrad us about your account «YOUr bankruptcy Proceeding, please have your attorney contact us. {BILLING RIGHTS SUMMARY pn Case d Errors «OUeafiors about Vour BNp m you think your rill b wrong, «il you cent mac InOrmation on a transadlon or NIi, wnte b us on a separate sheet as soon as possible ffi iha edtlress f« inquiries slawT on the front d the srolemeM. We must hear from you no later than fi0 days offer we sent you the first rift on whkh me ertor «protaem appeared. Y W can tall our Customer Relalbns number «ndiry us Dy enroll or webstte, lxn doing so will riot preserve your rights. In your leper, give us the ldbwing imomtatbn: your name and accottM number, me aoaar amount of the suspected ens, a tlescMption o1 iha error ant an explanalbn, a possible, 01 why you believe theta k an error, «m you need more Intomtation, a description d the Uemyou are unsure about. You do rid have io pay arty anqunt in grreslbn wNle we are ilrvesligatfng it but you are still obligated to pay the pens d Your bill that are rat in gtreatbn. While vre investigate your question, we cannel repel you as delinquent or lake any action to cdletl the amount you quesliat. { Spedal Rule f« Creed Card Purchases It you have a problem whh the gwllry d poperty «services mat you purchased whh a credit lard and you have tried in good /aith to coned the pradem wkh the merMeM, Yet may nave the right rat 1o pay the remaining amount due on the propery « servkes. Vou have Ihk protedbn only when the purchase price was more than E50.00 and the Durchase was made In your hrmne state «wi1Nn 700 rrkks of your mellirtp address. M we ovm «opereb the merChanl. «d we mailed ycu the advertisement 1« the prapany «services, alt purchases are covered regardless otamouM «loGalion o1 purchase.) Please remertker to sign all wrrespondence. { Does rid aDDN b business accounts Capaal One supports iMOmiation prNacy prdridien: see our wehshe of ympagapyal~sc8m Capital One k a 7edemity regidered servke mark o1 Capital One Financial Corpaatkn. All rights reserved. O 2008 Capital One Changing Address? Address ................ Home Phone... Alternate Phone... E-mail Address... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure © we process your payments smoothly: ~ Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `4 statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Capita- what's in your wallet? NOT PAYING YOUR DEBT 500073 DOESN'T MAKE IT GO AWAY. In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due date to eliminate the risk of being charged oft. 0 2UU8 L'apitn! One Srruirrr, hrc. Ca(~itu/ One is ¢ frdnrt/ly rrgitrrntd rmiirr ranrk. All righu renrued FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,596.03 - $0.00 + $26.11 + $78.00 = $1,700.14 5500.00 Dec. 12, 2008 Oct. 18, 2008 -Nov. 17, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.44642835 /N H l Your Account Information ~ o ass e REWARDS' TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $299.86 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $299.66 F: CAS[ P.V?' IL:ST 7Hn ~FNUM You're hehind by six payr::ents. I' we charga off your aarirrt door b b?e ci missed raymenls, finarta chances will continue !o accrue. P.ct now io r+evem ?his frorc~ happenir~G. riease ray tlx minimum payment amount on y~xrr statement a gvt? is a rail al 1.8Ct;.955.f£iG. We're he+e !o help. Take conlrcl cf your ereii with Coital Cr:e. "Important Notice" Under the terms we previously dscbsed fo you, your account is rxwr etigrble for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not io raise your APRs at this time. Please be advised Ihat if you fail to keep your account in good standing, Captal One reserves the right to raise your APRs in the future. Finance Charges (Please see reverse for important int«malion) Rewards Summary Balance rate Periodic Correspondng FINANCE Previous available balance: q73 applied io rate APR CHARGE Eamed itus period: 0 Purchases $1,618.62 0.05203% P 18.99% $26.11 (ret6cts tralsactiorK posted during tFds birng cycle) Cash $0.00 0.05751% P 20.99°h $0.00 Available Balance q73 ANNUAL PERCENTAGE RATE applied thk period: 18.99% O At Your Service - Go b vmw.caoilabrle.oorn b manage your aooount, PaymehtS, Cred'Rs & Adiustment5 acct t-800-9557070 b report a bsl «sbkn card «speak to Qislomer ReHtions Transactions PayOnllneat~«meilya,rpaynentb~ 1 11NOV PAST DUE FEE $39.W ® Capital One Bank (USA), N.A. • P.O. Box 71083.Orarbtte, NC 2 17 NOV CAPITAL ONE MEMBER FEE $39.00 28272-1083 S d I iri You were assessed a past due fee bemuse your minimum payment was not received by the due date. To A en nqu es to: avoid this fee in the future, we recommend that you albw al leash business days for your minimum Capital One• P.O. Box 30285 • Sal Lake Gry, UT 84730-0285 payment to reach Capital One. MjA Manage your Rewards online by visiting acct 1A00-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement «visit www.cadtalone com/dsoutes PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ONTO VJwW.CAPRALONE.COM 70 MAKE YOUR PAYMENT ONLINE. 1 4121747044642835 17 1700140050000500009 Ca ~Q- Account Number. 4121-7470-4464-2835 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- ' DeC. 12, 2008 $1,700.14 $500.00 ~) it s fast, easy and secure. Q Pay online anytime-no more checks, stamps or clutter. PURSE FAY AI LEASE THISAP40UNT Movin ~ Chan a our address online or on the back. O 9~ 9 Y ®Help save the planet-Go paperless. M 9 0 3 2 4 (i 9 9 7 9 5 2 4 816 N ~ Sign up at wvvw.capitalone.com. tIOLLY ROBERTSON 2301 11AYFRED LN Capital One Bank (USA), N.A• CAnP HILL, PA 17011-5433 P•0• Box 73083 I'IIIIIIIIIIIrllrllllll"1111'Ill'I'I"'lllllllll'I'lllllllrlllrr charlotte, NC 26272-1083 1111111'III"IIIII'II'lllllllrrllllllrrllrl,111'11"llllllll'llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON «» lr 1. How to Avoid a Finance Charge. a.Grece Period. You wNi have a rtrnimum grace penad d 25 days without finance charge on new purchases. new beknce troMlers, new spatial purchases and new char charges M You pay Your total "New Balance". to accordance with the Important Notlte f« peyrrenla below, and fn time for H to be tredned by ryas payment Sue date. There rs no grace penod on rash ewances and special troMters. In addNOn, there k ro grace period on any iransadlm N you do not pay the total 'New Balance." b. Accruing Fkrance Charge. 7ronsactioM whkh are rat subjetito a grata penod are assessed f nonce charge 1) Irom the dale of the Ironsadlon «2) from the date its transaction b processed to your Account «3)lrom the rirst calendar day dthe Curtenf billing Derbd. AddHionalry, H you did trot pay the "New Balance" from the prevous blaing parbd in 1ua, finance charges mMirwe to accrue to your unpaid baWnee until the unpaid balance k paid In full. Thin meats that you troy still owe finance charges, even n you pay the entire New Bakrae Irdaatetl m the front d your alatemenl by the payment due date, but did not do so for the prevkws month. Unped Tmarae charges ate added to the appllwde segment of your AttcuM. c. kenknum Finance Charge. F« each billing period that yow account k sub)ect to a finance charge, a minimum trial FINANCE CHARGE d 50.50 will be Imposed. tl. Temporary RedudWn Sit Finarxe Charges. We receive the IIgM to not assess any or all finance durgea t« any gNen billing penod. 2. Average Daffy Beknce gndudkg New Purchases). Finance Charge b wkukled by rtNlllipying the dalN 6alenee d each Segment d your aeeouM (e.g., cash awanw, purdraae, epeekl Iranster, ant cpetkl purchase) q'the tMespondmg dairy pertodk ~ale(s)that has been prevkusy disclosed b you. A/ the end d Bath day dunng the bitting period, we appy the daly periodic role for each segment d your aeeeuM b the deny balance d each 68gment. Then et the end d the bNGng period, we add up the results d ttwsa dairy wicutations to aMVe al your pedodk aronce Charge la each segment. We add up the resuna from eacn sapment to emus of the total periodic flnerae Charge for your aeeounL To get the risky talents for each segnwnl d Your attount. we take the beginning balance t« each Segment ant add any new tranaad'roM and any perad'a Iaarae charge eekutated on the previous I days baance for lost segrtwnt. We then subVad any '~ paymems «eredns posted as of that day that are alatatad to that segment Thin gives us the seperak daffy balance f« each segment d your account. Flowever, H you paid the New Balance shown m your previous statement M full (« n your new baance was zero «a credo amoum) new lronsadioM, which poll to your purchase «spadal purchase segmems are not added a the daffy haleness. We wkulate the average dally halarae by adding as the dairy balances Icgelher an6 tlNaing the sum by the nlttnber d the days in the durteM b11Nrg ryele. 7o wkukte your trial finarae Charge, muHipy Your average daly balance by the dally periodk rare and by Iha number o/ days k fns billing period. Due to rounding m a daily basis «due to minimum gndnce Charge assessment, there may be a vanante between this cakulatbn eM the annum dfironce charge adualy essesaed. 3. Mnual Percentage Rates (APR). a. The term "Mnual Percentage Rate" may appear as "APR" m Ina front d this atatemem. b. Itthe code P {OUarterly Prtme). L (dunerly LIBOR), C (OUanelry CD). «s (Banktartl Pnme) appears m the front d this statement next to the pariodk r81e(c), the perbdk rates ant eortesponding ANNUAL PERCENTAGE RATES may vary querterty and may Irarease or decrease based m the stated irdkes, as found in The Wall Strad Journal, plus the margin prevbusN 6istksed to you. These Changes WIH be effeelNe m the first day of your 6111ing period covered q' your periotlk SlatemeM endkg In the nan1M o1 January, Aprtl. Jury and October. c. I1 the code D (kknthry Prime), F (MOnfhry LIBOR). «G (Treasury UBOR) appears m the front d your sUtemeM next to the penodk rate(s), Ina pertoda rates antl cortsspmding ANNUAL PERCENTAGE RATES may vary monmy ant may ircrease «deereaae besetl m the tested makes, as round in The wall street Jaurtul, pus the margin prevkusry disclosed to You. These charges vAk be eneclive m vw first day dyour Dilnrrg perod cad, nanlh. 4. Assessment d Late, Overamlt ant Returned Payment Fees. Under Itw terrre d your dl8idnlef agreement, we reserve the right to waive «not to assess erry fees sNthoul poor rakTralkn to you without waivkg our tight to assess the same «simW r tees at a later time. 5. Membership Fee end Renewing your AooouM. tt a merroersMp tee appears m this statement, we wiN credo Ina fee H you request to close your aceolrM within 30 days d the maikng d this stalertwnl You may eoreinue b use the account dunng the 30 day pertod bate your request. II you do not pay all charges weed on this attounl with In 80 days, «n you use your eredH wrd or account Stier you request to case, arty membersMp fee prevausry weNed may De reinstated to your account. 6. Cbsing or 5uspendirg Vour AtoouM. You may request that your account be closed by callirg or wining our Cusidmer Rdatime DepanmeM. AI Ilw time of your request, we will Drwide You with addnanal drnelk m casirg Your account. This may inelllde payrruent infottnetion. If yrw use your credo cam « Wrges poet to your account Stier you ask us to Cloce your account wa tan keep your actouM open « reopen a. We may dose «suspend your atcounl and your ngM to obtain credH. We may do Ibis at any time and f« any reason, even H you are rid in delauH. A suspeMion of your account tan be pemanent a temporary. If Your account k cased «suspended, you must stop uskg your credH wrd and account. Y W must also caraef eN peaulhoriZed bitting amarpertwMs to the account. We will not do this for you. If we case w pertnanentry suspend Your aecouM, You must also destroy all credo wMa and account access theca. You must still pay ell arrouMS you owe ua m the attouM, even n they were charged aneryotx atcounl k closed « susperded. 7. Alaking Payments. Payments you mail to us will be credited to your attount as d the business day we receive n, provided (1) You sand the bosom ponkn d ihh Statement and your etreek in late encased ramitlalxe emekKte ant (2) your payment k reteNed in our protassing center by 3pm ET (12 ram PT} Please allow al least five (5) business days for postal delivery. Payments receNed by us at any other Station «a arty dheMOnn may not ba tredHed as d the Say we receive them Our business days are Monday through E. Notice Abdul FJedronk Check Conversion. When you prwkle a enxk as payment. You aulhonze us eHher to use Mfortnation from your check tomake a orre-time eleebonle fund traMler from your deposit account «to pocess the payment es a check iramacfion. When we use iMOmatkn from your cheek to make an dedronk lund fwMter, funds may be wHhdrawn from your deposit acc«lnl as soon es the same day Wa rateive your payment. ant you will nd receive yo« check bxk Iran your fironCial instHUlion. Your aulhalzatim is not limned by the date on the cheek We may resubmit ant eleclrmkalry cdlecl returned payments. 9. BanWUpity. II you are eMHled to 6ankruPlcY Protedbns for your atddlM, Ais emvrankatim is dory t« infomrotionel purposes. It Is not an anempl to cdkCL assess «recover a debt «elaim Do not send ary payments diretfry to us wnMW speaking with your bankruMCY anomey «ihe Banluuplty Court. If you want k contact us about your account «YWr bankmgcy proceeding, pease have Your an«ney tooted us. tBILIING PoGFITS SUMMARY fin Casa M Ert«s m i>veslbM about Vour Bilf) tt you think your rill m wrong, «H you need more iMmrotbn on a tronaectkn or bNl, write to Us m a separate sheet as soon as possible at the address /« mquides shown m the front d this atatemem. We must hear from You rto W1ef than W days atkr we Sent you the first Gill m whkh the Snot w problem appeared. You den tall our Cus1«ner Relations number «ndify Ix by small or webaita, Dui ddng so will nd preserve your ngMs. in your lever, give us the foaowirg iMomlMbn: your name and actouM number. the ddlar amount d the suspected art«, a desMptim d its ert« and sit explanation, n posslbk, of wiry you belkva theta h an ertor, « n rya, need more inarmalbn, a desenption M the item You are unsure about. Y«1 do not have to pay arty amount in queston while we are imestigming It, but you era stHl o«igaled to pay ttw marts d your bin that are rtes In quentbn. While we investigate your question. we Cannot report you es dalfrpueM or take arty action to edkct the amount you question. t Spedal Ruk for Credit Card Purchases h you have a problem wish the quany d property «services that you purchased with a Credo Cant and you have tried in good tank to toned the problem with me mercAant. You troy have the rtgM not to pay the remaining amount due on tae property « servkes. Vou have this protection my when the purchase prtce was mare than 550.00 ant the Wrchase was made in your home State «wnNn COD miss of your trailing address. (M we own «operota the merCTaM. «H rre mailed you the advertlaement f« the Droperty or se+vkas, all purchases are Covered regaMlesa d amount «lotali«t d purchase.) Please rerrwmber to sign all cortespmdence. T Does na appy w business arcounis Capital One supports IMOrtMIan privacy prdedan: see our webane at 7~pygBQtl814ne,1~ Capital One h a tederaly registered servke mark of Capital One Flnarxlal Colp«ation. All dgMS reserved. O200B Capital One Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure ........................................................................ .... .. we process your payments smoothly: .......... . .. .... ......... Home Phone © ~ Don't staple or paper clip your check to the payment slip. .... .......................................................................... • Be sure to use the payment envelope that came with your Alternate Phone ........................................................................................... statement. Using a different envelope could delay processing. E-mail ....................................... . Address ........................ ........ ` ~ • Please don't include any additional correspondence. • Last but not 4east, be sure to write your 16-digit account Please print address or phone number changes above using blue or black ink. numbef On your check. Welcome to Capital One ....................... :................................1 Some Uefinitions ................................... ...............................:.1 Account Agreement ............................... ...................:.............1 New Offers ............................................. ..................................2 Account Information ............:..............:. .................................2 . Credit Limits ........................................... .................................Z Using Your Card ..................................... .................................3 Rewards ......:..:.......... ..,.. ... ..................... .................................3 Using Your Access Checks ........:...........................................3-4 Stopping Payment of Access Checks ...... .............................:..4 Using a PIN ...............................:.............. ................................4 Authorized Users ................:................... .........:......................5 Removing an Authorized User ................ ................................5 Finance Charges .............................:........ ... .S . .......................... Your Promise to Pay ................................ ................................5 Statements .............................................. ................................6 Disputed Transactions ............................ ................................6 f-ees ......................................................... .............................6-7 Transactions Made iri foreign Currencies ................................7 No Warranties ........................................ ................................7 Merchant Refunds ....:............... .............. ................................7 Minimum Payment .................................. ................................8 Making Payments .................................... ................................8 Mailed Payments .................................... ................................8 Faster Payment Services .......................... ............................8-9 Payment Processing ................................. ...............................9 How We Apply Your Paynments ................. ...............................9 Items with Restrictive Words, Conditions , or Instructions......9 Account Default ....................................................................10 Communications ............................................. .....................11 Credit Reports ................................................... .....................1 1 Closing or Suspending Your Account ............... ...............11-17_ Lost or Stolen Card ........................................... .....................12 Changes to Your Agreement ............................ ....................12 Governing Law .................................................. ............. ..12 .... Waiver ......................:........................................ ...............12-13 Assig nmerit .........................:............:................. ....................13 Arbitration Provision ......................................... ...............13-18 Special Definitions for this Arbitration Provision . ...............13-14 Arbitration Administrators._... ............... ,. ...... - .....................15 - Election and )nitration of Arbitration ................. ...............15-16 Procedures and Law Applicable in Arbitration .... ...................17 Costs .......................................................... ........ ....................17 No Consolidation or Joinder of Parties .............. . ..:18 ................ Judgment, Enforcement, Finality and Appeal .... ....................18 Miscellaneous, Waiver, Severability, Survival ........ ........... .........18 Glossary ....................... ~ .i8-19 Your Credit Card Agreement 1. WeICOmB t0 Capital Orte. Thank you for opening a credit card Account with us.'Thfs Agreement contains the terms for your Capital One j credit card. ' i 1. Some Definitions. The meanings of the terms you see iri italir;s appear in the Glossary Section. To make the Agreement easy to understand, we will also use the following personal pronouns: "You", "your" and 'yourself' mean each applicant and co-applicant for the Account, any person responsible for paying fhe Account; and anyone they authorize to use, access or service the Account. It also includes an AuHiorized User as defined in the Glossary Section and as the language allows, i "We:' "us:' "our" and "Capital One" mean Capital One Bank (USA). National Association; and its agents, authorized representatives, successors, and assignees. 'I. ACCOl1nt Agreernertt. Your Agreement ("Agreement"}with us Includes the following things: i I (7) this document; ~ - (2)all Statements; I (3) ail rewards information and documentation iF your Account has rewards; (4) our Privacy Notices unless you are not entitled to one; these describe our limitations on sharing information about you with others; ! (5) your Card benefits brochure which describes benefits provided by the Card Association for your Card and Account. The roost Curren, version of your Card benefits brochure will replace all prior versions. (6) the "Small Business Credit Card Addendum" if you Have a small business Card; (7) alt disclosures and materials provided to you before or when you opened your Account, including some Tnrth rn Lending Dlsrlosures; I (8} all other documents and disclosures relating to your Account including those provided online; and j (g) any future changes we make io any of the above things. ~ I Please read those carefully and keep them for future reference. An Image of any of these can be used instead of the original 2. New Qlifer5. We might make new offers to you or forward offers from others that we think you might be interested in. The terms and documentation for these offers will be provided when we make yocr the offer. If you accept the offer, this Agreement will still apply except as modified by the offer. 2. ACCOltrit lnfOrmatiOtl. We need information about you to manage your Account. The Information we need includes: (i) your legal name; {2) a valid U.S, mailing address and residential address (ii different); (3) your dale of birth; (~+) your social security number or other government identification number, and (6) your employment information. You must tell us when this information changes. Please mail these Changes to us at the address provided on our Statement. You may also update some of this Information by logging onto your Account on our websile or by calling one of our representatives at the telephone number provided on your Statement or on the back of your Card. We may require you to provide additional documents that are acceptable to us to verify these changes. 2. CI'CCllt Lit711tS. When you open your Account, you will receive your credit limits. These will also appear on your Statements. We might also refer to your credit limit as your credit line. We may give you different credit limits for the different Segments of your Account. For example, you might have a different credit lirnit for purchases than for Cash Advances. You are responsible for keeping !rack of your Account balances and your available credit limits. Do not allow your Account to go over any r•.recflt limit. If you do, we may still honor the transactions and charge you fees. But, our honoring the transaction will not increase your credit limit. We may also increase, decrease, restrict or cancel your credit limit on any Segment at any time. This will not affect your obligation to pay us. 3. Using Your Card. When you activate and use your Card, you promise to follow the terms of Ihis Agreement. Please sign the Card Immediately when you receive it. The Card is valid during the dates provided on the front. 't'he Card is our property, and you wilt return it to us or destroy it if we ask. You will take reasonable steps to prevent fhe unauthorized use of your Card and Accoun(- You may use your Card wherever it is accepted. We are not responsible if anyone refuses to accept your Card for any reason. Also. we may reject and not accept any transaction for any reason. Unless we tell you otherwise, we will bill each transaction to the applicable Segment of your Account and apply it against your available credit limit for that Segment in each Bitting Cycle. You may also obtain Cash Advances and Transfers if they are permitted for your Accounf- Unless we agree, you may not use a Transfer to transfer amounts from other acwunts with us or any other company within the Capital One organization. If we do permit a transfer to this Account, the terms of this Account will apply once the Transfer is completed. You must not use, or try to use, the Card for any Internet gambling transactions or transactions that are illegal or not permitted by us. You will still be responsible if you do. in addition, these transactions will be subject to this Agreement, and you might have to reimburse the Card Association and us for ail damages and expenses. From time to time, due to circumstances beyond our control (such as system failures, fires, floods, natural disasters or other unpredictable events) our services might be unavaiiabte. When this happens, you might be unable to use your Card or obtain informafioh about your Account. We will not be responsible or liable if this happens. 3. ~eWard5. Your Account might provide you with the opportunity to earn rewards. If it does, we will separately provide you with alt information and terms about your rewards. We writ include on your S(aternenfs all rewards you have earned. IS might lake up to hvo 9iUtng Cycles for your earned rewards io appear on your Statement. 3-4. Using Yr)ur Access CheCkS. When we provide you with Access Checks, we will tell you whether we will treat thorn as purchases, Satance Transfers, Cash Advances, or Special Transfers. Ordinarily, we treat Across Ghecks as Cash Advances. Only the person wo designate may use Access Chocks. Access Checks may not be used to pay any amount you owe us or any other company within the Capital Ona organization. We may reject and not pay any Access Check for any reason. Any (lability for our wrongful dishonor of an Access Check will be limited to your actual damages and will not exceed the amount of the Access Check. When you use an Access Check, you will have fewer rights to dispute merchant transactions than with other uses of your Cerd. Please see rite "Billing Rights Summary" part of your Statement and your other Truth in Lending Disclosures for more information. 4, Stopping payment Of Access CheCkS. You may request a stop payment on any Access Check by contacting us as provided on your Stafemen[. We may charge you a fee to stop payment as described In the Fees Section. If you wit us to stop payment, you must also send to us a written request within 14 calendar days. We will have a reasonable amount of time after your stop payment request to research the situation and complete it. We will not be responsible if we cannot complete the stop pa moot because the Access Check was already paid, you do not give us the Information we asked for or the information you gave us was incorrect If we cannot stop payment for these reasons, we may still keep the stop payment fee. Once we complete a stop payment, we do not have to release the stop payment order unless the same person asks us 10. If we re-credit your Accounf after paying an Access Check foNowing a'valld slop payment order, you give us all of your rights against the payee or other I~oldcr of the paid Access Check. You also agree to help us as we request in any actions we might lacer take against that person. 4. Using a PIN. We may give you a personal Identification number (PiN). For security reasons, you might have to provide the PIN before you are able to complete some transactions using the Card. With a PIN, you may use your Cerd to: {1) obtain cash from certain automated teller machines (ATM} or (2) make purchases at rertain rnerchanl or retailer point-of-sale devices (POs). You may do these things if the ATM or POS requires entry of a P!N and displays the logo of the Card Association on your Card. We will treat all ATM transactions as Cash Advances and all POS transactions as purchases. You should keep your PIN secure and not write it down, give it to anyone, or keep it with your Card. If you lose your Card or believe that someone has gained unauthorized access to your PiN, you must contact us immediately. ~. Authorized Users. You may ask us to add one or more Authorized Users with additional Cards on your Account. If we agree to your t request, we will need certain information about the Authorized User to manage your Account. This will be the same infomaation you provided about { yourself as described in the Account Information Section. We may limit an Authorized User's ability to initiate certain transactions. If we do, we will j tell you about these limitations before adding any new Authorized User on your Account. I( Once we add an Authorized User to your Account, we may discuss your Account with them and provide them with Account information. You will be i responsible for their use of the Card and your Account as well as anyone else they allow to use your Card or Account. This wilt he true even if you ~ did not want, or agree lo, their use. 5. Removing an Authorized User. if you want to remove an Authorized User from the Account, you must contact us as provided on your ! Statement and request their removal. We will have a reasonable amount of time after your request to research the situation anti remove ttrem. Yuu ! t-immecfratel ssrer~and-rasasal-all~ftt~t>+11ing-~'utaagemeni:.-talhe.AccaunLtNc_vrilLoot.do.lhi:Sor.~nu-------------;-----._ .. . Y-des{r During this lime, you still will he responsible for all amounts They charge to the Account. You will be responsible even If these amounts do not appear , on the Account until later. We may close your existing Account and/or issue a crew Card with a new Account number 5. Finance Charges. We will charge Finance Charges to your Accounf as disclosed fo you in your Statements and other Truth in tending Disclosures. In some instances, we will not charge Finance Charges for some period of time far certain transactions or balances. 5. Your Promise t0 Ply. You promise individually and jointly to pay us all amounts due on your Account. This includes amounts where you did not sign a purchase slip or ocher documents for the transaction. If you use your Card number without presenting your actual Card (such as for mail, telephone or Internet purchases), this will be treated the same way as if you used the Card in person. If you lot someone else use your Card, you are responsible for all transactions that person makes. 6. Statements. We will send you one Statement for alt Canis on your Account unless the law does not require or permit us to send a Statement. Statements will bo sent at the end of each 8itling Cycle when your Account has a positive credit balance or a negative debit balance of more than $1,00 or If we have charged a Finance Charge to your Account. Your Statement wdl show all transactions billed to your Account during the Ditling Cycle along with other important Accounf information. 6. D15puted TranSBCtIOl1S. You must inspect each Statement you receive and tell us about any errors or questions you have as described in the "Billing Rights Summary' part of your Statement and other Truth in Lending Disclosures. If yet do not notify us as provided in those disclosures, we may assume dial all informat'son in the Statement is correct. If you dispute a lransaclion made by you or someone else on your Accounf, and we later credit your Accounf for all or part of the disputed amount, you give us all of your rights against (hat other person. You also wiN: (1) give us any merchandise or other purchases you received in connection with the disputed amount if we ask; (2) not pursue any claim of reimbursement from the merchant and that other person; and (3) help us pursue and get reimbursement from the merchant and that other person; your help includes giving us documents that we ask for and that are acceptable to us. 6-7. Fees. We will treat the following fees as purchases. These fees apply to your Accoun( only if they ere provided in your Tiulh in Lending Disclosures. Remember, paying the fees charged in connection with a default as described in the Account Default Section will not by itself cure the default. • Membership Fee. We may start chargingg you this fee in your first Bitting Gycle or later. if it is an annual fee, we may then charge it approximately once per year during the Silting Cycle that includes file anniversary date of your Account oponing. If it is a ntonitrly fee, we may then charge it once per month in each Sifting Cycle. This fee is payable in advance even if you do not use your Accorrnf. • Late Payment Fee. We may charge you a fee if we do not receive your payment in time for us to credit it by the due date shown on your Statement. Overlimit Fae: We may charge you a fee if a transaction, Finance Charge, or other fee, charge or balance causes you to go over or remain over any o your credit limits during any Silling Cycle. • Returned Payment Fee. We may charge you a fee each time any payment you make to us is not paid by your flnanclal Instltutlon, even if that institution later pays it. • Returned Access Check Fee. We may charge you a fee H we do not pay an Access Check for any reason, including when your Account is in default, ovedimit, suspended or closed. • Stop Payment Fee. We may charge you a fee each time you request us to slop payment on an Access Check or you renew an existing stop payment order as provided In the Stopping Payment of Access Checks Section. • COpyi~ Fee. We may charge you aper-page fee for copies of transaction documents or Staternenfs unless they are reruired in resolving a billing dispute. l'he following fees are Finance Charges. We wiU treat them as Cash Advances. These fees apply to your Account only if they are pmviried in your Truth !rt l.ending Disclosures. • Cash Advance Fee. We may charge you a fee each time you obtain a Cash Advance. • Transfer Fee. We may charge you a fee each time you obtain aTransfer- 7. Transactions Made in Foreign Currencies. tf you make a transaction in a foreign currency, the Card Association will convert it into a U.S. dollar amount. The Card Association will use its currency conversion procedures In effect when Jt processes the transaction. Currently, it uses s either a rate selected from the range available In a wholesale currency market or a government imposed rate. The conversion rate in effect on the processing dale might differ from the rate in effect on the transaction or posting date. We do not currently adjust the currency exchange rate or ~ charge any additional currency conversion fees. ~ 7. No WarfafltjBS. Except as otherwise provided in the "Billing Rights Summary" part of your Statements, we are not responsible for any claim ~ you might have regarding the purchases of goods or services made with your Card. I I 7. Merchant RetundS. If you are entitled to a refund for goods or services purchased with your Card, you will accept these refunds as credits to the purchase Segment of your Account. We do not control when a merchant sends us your refund. We will also have a reasonable amount of time i after we receive your refund !o process if. 8. Mir1ITnUm Payment. Your Statement will provide instructions for making payments, including the amounts due and the due date for receiving your paymen#. Your Statement vrill also include a minimum payment amount. To avoid a late payment fee, you must pay us at least this minimum payment amount by the due date provided in the Statement. If you exceed your credit limit we may request a higher minimum payment i from you. Be aware chat paying only the minimum payment amount might not be enough to avoid an overfimit tee. ~„ „~ ~ f thn tr,fal halanrac nn wnigBCfpt1111`1f v~u~__av mnr~]J~ap_jflP,.J3]JIIlmum.~a.ymgRt.~pi!_ ~ _.___ still must pay at least the minimum payment amount shown on each 5talement we send you. We will continue to charge Finance Charges during ~ Billing Cycles when you carry a balance regardless of whether your Statement includes a minimum payment that Is due. ~ 8. M2king Payments. Your payments must be in U.S. dollars from a U.S deposit account and otherwise be acceptable to us. We do not accept cash payments through the mail. You may not make payments with funds from ypur Account or any other credit account with us or any other company within the Capital One orgartizatlon. 8. Mailed Payments. You must mail payments to us at the address provided nn your Statement. If we receive your payment on'Monday through Saturday (excluding bank holidays), we will credit it to your Account on the day we receive ii, if: (1) you send the remittance coupon included with your Statement in the same envelope with your payment; (2} you include your Account number on your payment; and (3) your payment arrtves at our processing center by the lime indicated on your Statement. Please allow at least 5 business days for postal delivery. Nayments received at any other location or in any other form might not be credited for up to 5 calendar days. This might cause you to be charged late payment fees and additional Ftnance Charges. 8-9, Pastel' Payment SeNICE'S. We may make services available that allow you to make faster payments using a telephone, the Internot or other payment system. We will describe the terms for using these services before you use them. You do not have to use these other payment services, and we may charge you a fee for using them. If we do, we will tell you the amount of the fee at the lime you request the service. We are not responsible It a payment made using our payment services is rejected or not paid. Even if it is, we may still keep the fee. If you give your Account number or other Account information to someone else to make a payment for you, we may provide Account information to them and process their payment as if you made it. We may refuse to accept any payment made by someone else for your Account. If wo accept a paymen! made by someone else for your Account, you will be responsible for the payment made even if that payment is rejected or not paid. 9. Payment PrOCessing. We may accept and process payntenls without losing any of our rights. [ven if we credit your payment to your Account, we may decay the availability of credit until we confirm that your payment has cleared. We may resubmit and electronically collect returned payments. We may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle similar issues. When you provide an item as payment, you authorize us either to use information from your Item to make a one time etectrcnlc fund uansfer from your deposit account or to process the payment as an Item. We will provide additional information about this process on your Statement or other documents we send you before your payment. You may contact us and ask that we not process your future Items in this way. When you provide an tfem as payment, it might also be converted into an efectronlc image and collected and returned electronically. These electronic images may also be converted to substitute checks. We will not be responsible if an Item you provide teas physlcai Features that when imaged result in it not being processed as you intended. 9. HoW We Apply YOIJr Payments. We generally appy your payment to lower Annual Percentage Rate balances before higher ones. Please refer to your Truth in Landing Diso/osures for details on tww we may apply your payments. 9. Items with Restrictive Words, Conditions or Instructions. Ati hems that have restrictive words, conditions, limitafions or special instructions added (including Items marked with the words "Paid in Full" or similar language} must be mailed to and received at: Capital One, P.O. Box 30285, Sait Lake City, UT 84130.4285. If you make your payment to any other address, we may accept and process the payment without losing any of our rights. 10. CCedlt Balances. We may reject and return to you any payment that creates a credit balance on your Account. Any credit balance we allow will not be avallab{e until we confirm that your payment has cleared. We may reduce the amount of any credit balance by any new amounts billed to your Account. You may contact us as provided on your Stafement and request a refund of any available credit balance. It you contact us in writing, we will refund your credit balance within 7 business days from our receipt of your wrigen request 1 Q. Account Default, You will be In default of your Agreement with us if: (1) you do not make any payment when it is due; (2) any payment you make is rejected, not paid or cannot bo processed; (3) you exceed a credit Ilmit; (4) a bankruptcy or other insolvency proceeding is filed by or against you; (5) you die or are legally declared Incompetent or incapacitated; (6) we determine that you made a false, incomplete or misleading siaternent on any of your Account documentation, or you otherwise tried to defraud us; or (7) you do not comply with any term of this Agreement or any other agreement with us. For certain actions, including changing the rates and fees on your Account, our options appear in our original offer rnalerials when you opened your Account. In addition, if you are in default, we may take fhe following actions without notifying you, unless the law s©ys that we must notify you: (t) close or suspend your Accounf; {2) lower your credit limits; (3) increase your minimum payment: (4) demand that you immediately pay the entire balances owing on your Account; (5) continue to charge you Finance Charges as long as your balances remain outstanding; and/or (6) pursue any other action against you that the law allows, which includes the fiiing of a lawsuit against you or our requiring arbltratlon as described in the Arbitration Provision Section. , You must pay us all of our actual collection expenses, attorneys fees and court costs unless the law does not allow us to collect these amounts. In any action against you, we may choose the Virginia statute of limitations period or the period provided by the law of the state where you Ilve. 11. Communications. We may contact you from time to time regarding your Accounf. We may contact you in any manner we choose unless the law says that we cannot. For example, we may: (1) contact you by mail, telephone, email, fax, recorded message, text message or personal visit; (2) contact you a1 your home and at your place of employment; (3) contact you on your mobile telephone; (4) contact you at any Time, including weekends and holidays; (5) contact you with any frequency; (fi) leave messages on your answertng machine/service and with others; and (7) identify ourselves, your relationship with us and our purpose for contacting you even if others might hear or read it. Our contacts with you about your Account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation with you, modify or suppress cagier ID services and use automated dialing and announcing devices {autodialers). We may do these things whether we call you or you call us. If you ask us to discuss your Account with someone else, you must provide us with documents that we ask for and that are acceptable to us. 11. Credit Reports. We may provide information about you and the Account to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Information we provide might appear on your and the Authorize Users' credit reports. This could include negative information i1 you do not comply with the terms of this Agreement. We may obtain and use information about you trorn consumer (credit) reporting agencies and others as the law allows. 11-12. CIOSing or Suspending Your Account. You may ask us to close your Account by calling or writing us as described on your Stafemenl. Your Statement will provide additional information about this process, and we may also separately provide you with additional details after your request. This might include payment information. If you use your Card or charges post to your Account after you ask us to close il, we may keep it open or reopen it. We may close or suspend your Account and your right fo obtain credit. We may do this at any limo and for any reason, even if you are not in default. A suspension of your Account might be permanent or temporary. If your Account Is closed or suspended for any reason, you must stop using your Card. You must also cancel all billing arrangements to the Account. We will not do this for you. If we close or permanently suspend your Account, you must also destroy all Cards. You must still pay us all amounts you owe on the Account, even if they are charged after your Account is dosed or suspended. 12. Lost Or SEolen Card. You will lake reasonable steps to prevent the unauthorized use of your Card and Account. If your Card Is lost or stolen or if someone else might be using It without your permission, you must tell us at once. You may tell us by calling the telephone number on the back of your Card or on your Statement or by writing us al the address on your Stafement. You will not be responsible for charges made to your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made using your Card, you will help us investigate, pursue and get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acc:epiable to us. 12. Changes t0 Your Agreement. A3 any time, we may add, delete or change any teen of Ihis Agreement unless we told you that vre would not. We will give you notice of any changes unless we previously told you that eve may make certain changes ~vlthout notice. 11 we do notify you of changes, we will send golf a separate notice or Inform you on your Statement. Our notice will fell you when and how the changes will lake effect and describe any rights you have in connection with the changes. Unless we tell you otherwise, all changes will apply to both unpaid balances on your Accounf and now transactions. 12. Governing Law. This Agreement and your Account will be governed by federal law that applies to Them and, if federal law does not apply, then by Virginia law. Phis will be true regardless of vrhere you live or where you use the Card. We are located in Virginia. We make fife decisions to open and hold your Account, issue your Card and extend credit to you from our offices in Virginia. If any part of this Agreement Is found to be not enforceable, this Agreement will be read as if the unenforceable pars were not there. 12-13. Waiver. We will not lose any of our rights if we delay taking any action for any reason or If we do not notify you. For example, we may waive or reduce your Finance Charges or fees without notifying you and without Losing our right to charge them In the future. We may always enforce our rights later and may take other actions not listed in this Agreement if the law allows them. You do not have to receive notice from us of any waiver, delay, demand or dishonor. We may proceed against you before proceeding against someone else. 13. ASSlgnment. This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or your Agreement to someone else without our written permission. We may transfer your Account and Ihis Agreement to another company or person without your permission and without prior notice to you. They will take our place under this Agreement. You must pay them and perform all of your obligations to them and nut us. If you pay us after you are informed or learn that we have transferred your Account or this Agreement, we can handle your payment in any way we think rs reasonable. This includes returning the payment to you or forwarding the payment to the other company or person. 18-19. Glossary. • "Access Checli' means any check we send to you to access your Account. We may also refer to an Access Check as a 'convenience check" or a "purchase cheek." • "Authorized User" means one or more persons who may use the Card but is not responsible for the repayment of the Account. • "Balance Transfer" means a Transfer posted to the purchase Segment of your Account unless otherwise described in your Truth in Lend;ng Disclosures. "Billing Cycle' means a period of time chat might vary in length but is approximately 30 days. The specific period of time is described on each Statemenf. However, you will have a Billing CyGe even if a Stafemertt is not required, We will often specify a Billing Cycle by If~e month in which its closing date occurs as provided nn the Statement. For example, a "March Billing Cydo" will have a closing date in March. We may also refer to a Billing Cycle as a "Billing Period." "Card' means any Capital One credit card associated with your Account, which includes all renewals and subs"titufions. It also means any other access device for your Account we give you that allows you to obtain credit, including any Accovn! number and any Access Clreck. "Card Association" means Visa Inc., MasterCard International Incorporated, or any other network provider displayed on the Card • "Cash Advance' means using the Card to obtain loans in cash or things we consider cash equivalents. Cash equivalents include wire transfers, travelers' checks, money orders, foreign currency, lottery tickets, gaming chips and wagers. Cash Advances are posted to the cash • advance Sogmont of your Account and not to your purchase Segment. ,.. ,_, _..._.... • "Finance Charges" means certain charges that are your cost of credit expressed as a dollar amount. These drarges Include the interest you pay on your balances and certain types of fees. Please refer to your Truth in Lending Disolosures (or more information. • "lterri means a check, draft, money order or other negotiable insVument you use to pay your Account. This includes any image of these instruments. This does not include an Access Check. • "Segments" means the different parts of your Account we may establish that are subject to unique pricing, grace periods or other terms- We create these paAs of your Account for such things as your purchases, Balance Transfers, Cash Advances and Specla! Transfers. "Special Transfer' means a Transfer posted to the Special Transfer Segment of your Recount and not to your purchase Segment. "Statement' means a document or information we provide to you showing Account information lncludiny, among other things, transactions made to your Accountduring a SAling Cycle. We might also refer to your Statement as a "Periodic Statement"' or a "Billing Statement:' "Transfers" means balances transferred from other accounts to this Account and Includes Balance Transfers and Special Transfers. • "7ruth !n Lending Disclosures" means any Account information we provide to you that is required by the federal Truth in Lending Act and Regulation Z. This includes your solicitation disclosures, account opening disclosures, Statements and change in terms notices. 13-18. Arbitration Provision. You and we agree that either you or we may, ai either part}rs sole election, require Thal any Claim (as defined below) be resolved i>y binding arbiUation. ~ IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO PURSUE '1 HAT CLAI,UI IN COURT ~ OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE 1N A CLASS ACTION OR ANY OTHER COLLEC')"IVE UR REPRESENTATIVE PROCEEDING. EXCEPT ASSET FORTH BELOW, TI1E ARBITRATOR'S DECISION WELL BE FINAL AND BINDING. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, INCLUDING THE RIGHT 70 CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION. THE FEES ASSOCIATED WITH ARBITRATION MAY BE HIGHER THAN THE FEES ASSOCIATED WITH j COURT PROCEEDINGS. ' I 13-14. Special Definitions for this Arbitration Provision. For the purposes of this arbitration provision ("Arbitration Provision'), the following definition shall apply in addition to the definitions set forth in this Agreement: "Claim" means any claim, controversy or dispute of any kind or nature between you and us. A. This definition includes, without limitation, any Claim that in anyway arises from or relates to: • the Agreement and any of its terms (including any prior agreements between you and us or between you and any other entity from which we acquired your Account) • this Arbifration Provision (including whether any Clairn is subject to arb)Iration) the estabiishmeni, operation or termination of your Account • any disclosures, advertisements, promotions or other communications relating to your Accoun[, whether they occurred before or after your Account was opened • any transactions or attempted transactions involving your Account -any bitting or collections metiers relating fo your Account • any posting of {ransacGons (including payments or credits) to your Account • any goods or services charged to your Account • any fees, Interest or other charges assessed tp your Account, or their calculation • any products, services or benefits programs related to or offered fn connection wish your Account (Including any insurance, debt cancellation or extended service contracts and any programs, rebates, rewards, sweepstakes, memberships, discounts or coupons) whether or not we offered. introduced, sold or provided them • our receipt, use or disclosure of any information about you or your Account •anyo e a e ------------------___...-----..._...----_________ ______ _ B. This definition also includes, without limitation, any Claim: • regardless of how or when it is brought {for example, as an initial claim, counterclaim, cross-claim, interpleading or Third-party claim) • based on any theory of relief or damages (Including money damages and any form of specific performance or injunctive, declaratory or • based on any theory of law or equity (including contract, tort, fraud, constitution, statute, regulation, ordinance or wrongful acts yr omissions of any type, whether negligent, reckless or intentional) • made by you or by anyone connected with you or claiming through or for you (Including a co-applicant or Authorized User of your Account, your agent, your representative, your heirs or a trustee in bankruptcy) • for which we may be directly or indirectly liable under any theory, including respondeat superior or agency (even if we are not property named at the time the Claim is made} • now in existence or that may arise in the future, regardless of when the facts and circumstances that give rise to the Claim occurred or when the Claim accrued. _ ,_.., , .,.,._., • made as part of a class action, private attorney general action, or other representative or collective action which Cialm shall proceed on an individual basis as set forth more fully in this Arbitration Provision. 15. Arbii2tion Administrators. One of the following arbitration administrators ("Administrator" or, collectively, "Administrators") will administer the arbitration: JAMS 1920 Main St., Ste. 300 Irvine, CA 92614 www.iamsadr.com American Arbitration Assn 335 Madison Ave., Floor 10 New York, NY 10017-4(05 wvrrr.adr.oro National Arbitration Forum P_O. Box 50191 Minneapolis, MN 55405 www.a rbltra lion-forum.com You may contact any of the Administrators to obtain information about arbitration, arbitration rules and procedures, fee schedules and claim forms. 15-16 Election and Initiation of Arbitration. You or we may elect arbitration under this Arbitration Provision with respect to any Claim, even if the Claim is part of a lawsuit brought in court. You or we may make a motion or request in court to comps( arbitration of any Claim brought as part of any lawsuit. We will not elect or initiate arbitration of any Cialm brought in a small claims court (or the equivalent), so long as the Clairn remains in that court, is made solely on behalf of an individual or Joint account holder and is not made as part of a class action, private attomey general action or other representative or collective action. You and we muss follow the rules of the Administrators to initiate arbitration. If you initiate arbitration, you may choose one of the Administrators, and you must mail us any notice required by the Administrator to P.O. Box 85550, Richmond, VA 23285- 5550. if we initiate arbitration, we will choose one of the Administrators, and we will mail you any notice required by the Administrator to your last- known billing address. If we have initialed arbitration, we will change the Adminlstrator at your request if you notify us in writing at the above initiation of arbitration. 1i Proredrrres and Law AaDlicable in Arbitration. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by and enforceable under the Federal Arbitration Act (the "FAA"). Questions about whether any Claim is subject to arbitration shall be reso{ved by Interpreting this Arbitration Provision in the broadest way it may be enforced, consistent with the FAA and the terms of ih~ Arbitration Provision. The arbitrator will apply substantive law consistent with the FAA and applicable statutes of 1lmitatlons, but the validity and enforcement of any class action waiver is a question for a court of competent jurisdiction, not an arbihator, to decide. The arbitrator rrray award any damages or other relief permitted by applicable substantive law (but will not have power to review the enforceability or sr:verability of the paragraph "No Consolidation or Joinder of Parties "below), but the award shall determine ttre rights and obligations of only tits named parties and only with respect to the Claims in arbiVation. The rules and procedures of the Adrnlnistrator, which you may obtain from the Administrator, shall govern the arbitration unless they conflict with this Arbitration Provision, in which case this Arbitration Provision will apply. The arbitrator will not be bound by, and this Arbitration Provision stral! not be subject to, the federal, state or local rules of procedure and evidence that would apply in any court, or to state or local laws that relate to arbitration proceedings. You or we may have a hearing in arbitration. Any arbitration hearing that you attend In person will take piece at a location in the federa! judicial district that includes your last-known billing address or at some other place upon which you and we agree. You or we may bo represented by counsel. If you or we request, the arbitrator will honor claims of privilege recognized under applicable law and witl use best efforts to protect confidential information (including through the use of protect)ve orders). The arbitrator will make any award in writing and, at the timely request of either party, will provide a written statement of reasons for the award. t7. Costs. The party initiating arbitration will pay the inital filing fee. You may seek a waiver of the initial filing fee or any of the Administretors other fees collectively, "Administraior's Fees"} under any applicable rules of the Adminlstrator. If you seek, but do not qualify for, a waiver, we will consider any written request by you for us to pay or reunburse you for all or part of the Administrators Fees. We also will pay or reimburse you for all or part of the Administrator's Fees if the arbitrator determines there is good reason for us to do so. We will pay any fees and costs we are required to pay by law. Otherwise, and except as provided In this Agreement, you and we will bear ail of our respective fees and costs (including the Adminlstrator's Fees and the fees and costs relating to attorneys, experts and witnesses), regardless of who prevails. Allocation of fees and costs relating to appeals In arbitration will be handled in the same manner. 18. No Consolidation or Joinder of Parties. The arbitration of any Claim must proceed on an individual basis, even if the Claim has been asserted in a court as a class action, private attorney general action or other representative or collective action. Unless ail parties consent, neither you nor we may join, consolidate or otherwise bring Claims related to two or more accounts, individuals or accountholders in the same arbitration. Also, unless all parties consent, neither you nor we may pursue a class action, private attomey general action or other represeniativo or collective action in arbitration, nor may you or we pursue such actions in Court it any party has elected arbitration. You will not have the right to act as a class representative or participate as a member of a class of claimants with respect to any Claim as to which arbitration has been elected. 18 Judgment tntorcemenr rinanw ono raounao. ...c aiwunrvi ~ ~~...~, .... ..... .... „,v. ~..- -...-...~ _.._....._-._ _-~ _ - - , appeal of the award by making a wntten request to the Administrator. The appeal panel, which will consist of three arbitrators, will consider all factual and legal issues anew, will conduct the appeal in the same manner as the initial arbitration and will make decisions based on the vote of the majority. The panel's decision will be final and binding. Any final decision of the arbitrator or of the appeal pane! is subject to judicial review only as set forth under the FAA. An award In arbitration wilt be enforceable under the FAA by any wurt having jurisdiction. 18 Miscellaneous Waiver Severabillty, Survival. If you or we do not elect arbitration or otherwise enforce this Arbitration Provision in connection with any particular Claim, you or we veil not waive any rights to require arbitration In connection with that or any other Claim. This Arbitration Provision shall survive: (I) suspension, termination, revocation, closure or changes of this Agreement, your Account and your relationship with us; (ii) the bankruptcy or insolvency of any party; and (iii} any transfer of your Account, or any amounts owed an your Account, to any other person or entity. If any portion of this Arbitration Provision fs deemed invalid or unenforceable, the remaining portions of this Arbitration Provision shall nevertheless rernain valid and in force. in the event of a conflict or inconsistency befwoan this Arbitration Provision and the other provisions of this Agreement or any prior agreement, this Arbitration Provision shat! govern. A photocopy or other image of this Agreement and related documents may be used In place of the originals for all purposes including iltigatlon. ~~~~- rC 2008 Capital One Capital One is a federally registered service mazk All rights reserved M-934b5 COF Ghstomer Agreement 005 DEFENDANT'S VERIFICATION I, , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belief. Date Signature CERTIFICATE OF SERVICE A true and correct copy of Plaintiff s First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the ~~~ day of ,~~~~~ ~ , 2009, upon the following: Molly Robertson 2101 Mayfred Lane Camp Hill, Pa 1701 1 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff s Motion for Summary Judgment and Brief in Support has been served by U.S. Mail, Postage Pre-Paid, on o ~ay of following: Molly Robertson 2101 Mayfred Lane Camp Hill, Pa 17011 By: ?~C.Y)YUA.~t , 2010 upon the t3er~j ~cYR.`Bib'fer,Esquire PA I # 3598 Welt ,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR#7546865 2010 MAR -Z pM Z: 22 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, ~.~[~,~{I`~] CIVIL DIVISION P'u'~,~,~J~ CAPITAL ONE BANK (USA) NA, Plaintiff, vs. MOLLY ROBERTSON AKA MOLLY L ROBERTSON, Defendant. Case No.: 09-6776-CIVIL TERM MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF "PHIS PARTY: Benjamin R. Bibler,Esquire PA ID# 93598 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR#7546865 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) NA, Plaintiff, vs. Case No.: 09-6776-CIVIL TERM MOTION FOR SUMMARY JUDGMENT MOLLY ROBERTSON AKA MOLLY L ROBERTSON, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $2,017.42 with interest at the interest rate of 18.90% per annum from September 19, 2009, and costs. A true and coi7•ect copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff s Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around December 18, 2009, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she has made no payment on the credit card since May 7, 2008; that she applied for the credit card; that the statements attached to Plaintiffs Discovery WWR#7546865 Request correctly identify the payments, charges, and balances on the account; that she has not submitted any written disputes as to billing inaccuracies; and that $2,017.42 is a correct and accurate balance on the credit card account. 7. By way of her Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $2,017.42 with interest at the legal interest rate of 18.90% per annum from September 19, 2009, and costs. Respectfully Submitted: By: PA ID# 93598 Weltman, berg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR#7546865 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff No: vs. MOLLY ROBERTSON AKA MOLLY L ROBERTSON COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07546865 C N Pit KMJ A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. Civil Action No MOLLY ROBERTSON AKA MOLLY L ROBERTSON Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK (USA),NA is a corporation with offices at 15000 CAPITAL ONE DRIVE RICHMOND VA 23238 . 2. Defendant is adult individual(s) residing at the address listed below: MOLLY ROBERTSON 2101 MAYFRED LN CAMP HILL, PA 17011 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX2835 . 4. Defendant made use of said credit card and has a Current balance due of $2017.42 as of September 19, 2009 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 18.900a per annum on the unpaid balance from September 19, 2009 A copy of Plaintiff's Statement is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. wherefore, the Plaintiff prays for judgment in its favor and against Defendant MOLLY ROBERTSON individually in the amount of $2017.42 with continuing interest thereon at the rate of 18.9000 per annum from September 19, 2009 plus costs. James C. WELTMAN, 43& Sev Pittsb r~ (412) 3 FAX: 1 075468 5 This law firm is a debt collector attempting our client and any information obtained will r rodt;42524 INBERG & REIS CO., L.P.A. h Avenue, Suite 1400 PA 15219 -7955 -338-7130 C N Pit ICMJ to collect this debt for be used for that purpose. EXHlBi~ _- f Prrvious Balanrx PayrttenLS & Credits FINANCE Transactions C}{AR~E New Balance Minimum Paymerd Due Dak 51,596.03 - 30.00 + !! 326.11 +~ $78.00 ~_ $1,700.14 $500.00 Dec. 12, 2008 Oct. 18, 2008 - Nov. 17, 2006 Paye 1 of 1 -~ RFATL Par Ar usrrws w.aoua' Visa Platinum Accourtt 4121.74744464-Zd35 ~/NoNassfe Your Accountlnfotmation REWARDS TOTAL CREDIT LINE 52,000.()0 TOTAL AVAILABLE CREDIT 5299.86 CREDIT LINE FOR CASIi 52,000.00 AVAILABLE CREDfi FOR CASH F299.86 Finance Charges (H~e see reverse fa rm~afarll mfom+alm) 6aEnce role Pe+vdc Ca7espo+tdrg FMIAr4CE acpledlO rate APR CHARGE Purdiases 5161852 O~.oA:hP 1B93A 52611 Cash 50A0 O.CGT;tAP 2093p 59.09 ANIMAL PERCENTAGE RATE applied this period: 1&9~.: At Your Servks - Go t wwvc,Yty' ro.m~n b ma.(r+ysr enu+d. a Cal 1&'0.bS7OTD b nYvl n tai u stdnr mtl a sprk lu Orstanw Retati~as Pay Onlina:f sHw~svwta6ru_arna mailtur payrtio.>I b: QpAeIQx R>•i: (USA), NA • P 0 Boc T 1B3. OUtiM, rrC 7E27.1DSr ® Send Irqu4fes to: (~ Ore- P 0 Bnc 332 • S:t Ld i CNy, Uf 841300'.95 rrtaroye your Rev2rds online try vrtury t4r ro•xacq,la,..,,,•. ^„wu~s a (bl 1 E0].17b3901 ® Havenqucstbnaboulacttatgeonyourstatcmrnl? Please refer to the Btttrg Rghb Summary m Ihete3c of yoir s4temcnl a Vqt Yatre behnj try sa psyntenls If we cha9' df yota aractl d.a to hte a mrssM p~anxtts, fioanr_ durg_s p~dl canlmw to aoaw_ hd now• to prtvctt the Dom Icappsrong PSeas=pay the mm~rrwn layrn^nl anaolxtl on you slaLmenl a yNo ur a wfl el 1 6119 9a5 6527 We rt htrc to h~ Ttkc onUd d you: ne3~l vnlh CaPdal tMe ^Imyxfartl IJdx" l/ni:•i the Penns we prevn~tf dscl~ed to you, yaa ttxarnl a rtow elgbk la at rcrease n Anvel Perardage Rates (APRs) effadre mmeSefcly V{7wevM', C~1 Ore tns eRtied rol b rave yox APRs of Oss Isne Phase De advscli Dtal d you fat 0> keep your aaouM n goxl shrsfra, Carpal Ow re.~rves Bte Iryld b lase your APRs m tle tuWre Rewards Summary Revrwa malabh Datar_e 473 I~rred D,a ped o (rdGls trutsaLars p~ d.ng bra Clrg ryrk) Availade &ntuoe '~ moments, Credits & Adjustments _ Transactions _ 1 11 I.1:!/ PAST OlE FF~ ~~ 2 1TNOV CAPITALOPEMEk~ERFEE S39A0 You were assess9iapast due lw bxat[•e yax mnmrn p~ntterd was rolreo3wed g'rite dt»~te To o~rod the f~ m the future, we remrnmerd that you olkrv el I~17 burrtess ctrys b, yat minimum payrnenl to rtaach Cµoh'+! One t'IEASE REIVRN PORTION 9EtOW Wml PAYMENT OR LOG ON TO NNJW.CAPHAIANE COM TO AMKF YOUR PAYMENT ONLINE 7546865 - 1 4121747044642835 17 1700140050000500009 Capita l Account Number. 4721-7470-4464-2835 Lend a hand. Save the land. Oue Date New Balance Minimum Payment Amount Enclosed Manage your account online today- 700 14 12 2008 $1 DeC $500 00 ~ it's fast, easy and secure- , , . . . © Pry online enyilmC--nO +np/e <hlC1i, 51dr'~p5 Of dUltef PlFHSE PAY Ai (EAST THISAMOUNT Q Mavrny] Chanye your address onlne or nn the had. 8 Hetp ssvc the planet Go papMless !t9 0 3 2 4 6 9 9 79 5 24 816 N O Sr9n up a1 vvn,w wpdnlonc can riOLLY ROBERTSON 2101 nAYFRED LN Capital One Benk (LISA), N.A. CA11P HZLL, PA 17011-5433 P.0• Bor. 71063 Charlotte. NC 26272-1083 1'IIIIIII~III•Ilrl~~l(1"1(11'I~('I'1"'~IIIII~I('('~~I~~tt'I~1" 1 II f l Ill„ I I 1 II((~~ `I "II 1(' I'~I~( ~(11 I"~~' '~~(' ~"~((I~~1~'~II~ Please make cttec~.s payable to Capital One Bank (USA), NA and mail with [his mupon in the endosed envelope. PROTIIONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., _ Plaintiff, v. MOLLY 1ZOBERTSON Defendant(s). 'VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civi] Action are tnie and con~ect to the best of his/her knowledge, information and belief:/. /!~ Dated: Ottis Coward A049 WELTMAN. WEINBERG & RETS CO., L .P.A. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA Plaintiff Vs MOLLY ROBERTSON AKA MOLLY L. ROBERTSON Defendant thereof: :No. 09-6776 CV ANSWER ~- N ~'~ ~, iyl - v -~, __ ~{ {„~ ~;~` CJ i . -_ -~'i-. ~ ..J[ ~~ .~ -< NOW COMES Molly Robertson and files this Answer and states the following in support 1. Admitted. 2. Admitted. 3. Admitted 4. Denied. Plaintiff has attached an exhibit dated November 2008 but alleges a balance as of September 2009. Defendant disputes the amount alleged and therefore proof is demanded at trial. 5. Admitted in part and Denied in part. Admitted that Defendant has failed to make payments for a period of time, however Defendant made regular payments for a period of years and has only recently fallen behind as a result of financial distress to the business that provides the income for her family. It is Denied that Defendant has defaulted on her obligation such that the entire balance should be due and owing. 6. Admitted. , ~~ rJ•.C ~' f t ,.,,r ~ 7. Denied. Defendant has not willfully failed to pay nor has she refused to pay. The business which supplies income to the family is in financial distress. Defendant is unable at this time to pay her monthly payments of $500 which has increased due to Plaintiff s increase of interest and addition of annual fees. Defendant has spoken with the company many times explaining her situation and trying to make arrangement to pay when able. Defendant has used and paid on this card in a timely manner for years and has only been unable to make payments since the economy fell in 2008. WHEREFORE, Defendant respectfully requests this Honorable Court to Dismiss the Complaint and allow her to continue to negotiate a payment schedule with the Plaintiff. Respectfully submitted, i; ~:.; --, , . ~.. L 1.. ' t , ~ ~ -- Molly Robertson 2101 Mayfred Ln Camp Hill, PA 17011 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that the facts set forth in the foregoing Answer is true and correct to the best of her knowledge, information and belief. Dated: 10/29/09 ,:.,•:~L-~ ~ .. ~., .~ _~-~.~;-_ `, 1- . ~ ,. ~- ~ / Molly Robertson CERTIFICATE OF SERVICE I, Molly Robertson, do hereby certify that on the date set forth below; I served the foregoing Answer on the persons and in the manner indicated below. James C. Warmbrodt 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 By first class mail. ~~"i ! Date: October 30, 2009 ~.~ .-=',%~z . ~~ ., , _ _ ~. ;. ~~ Molly Robertson `' IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CAPITAL ONE BANK (USA) NA, Plaintiff, v. MOLLY ROBERTSON Defendant. NO.: 09-6776-CIVIL TERM PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS ANI) REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of Service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. Jf you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfiilly either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of reca-d for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director C or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventw-es, trusts, and estates; B. The word "docwnent(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity" "identify", "identification", when used with respect to a erson s means to state the full name and present or last known address and business address of such erson s and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each ep rson who have possession, custody, and co~ltrol of said document(s)- If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identi ", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identif each and every erson s participating in such an act; (3) identi all other erson s (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identi the erson s presently having possession, custody or control of such record. 8- Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the docwnents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of docwnents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All docwments identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department fi-om whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entrees, diaries, charts, lists, p)ione records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REOUEST FOR ADMISS]ON NO. 1: Defendant applied for the credit card referenced in Plaintiffls Complaint. Admitted Denied If the answer to Request for Admissions No. l is "denied", then supply specific written documentation supporting the denial. TZEQUES"C FOR ADMISSION NO. 2: 1 he attached monthly statements, from November 17, 2007 through November 17, 2008, correctly identify the payments, charges, and balances on the account. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: The last payment on the account was made on May 7, 2008. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 4: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies. REQUEST FOR ADMISSION NO. 5: $2,017.42 is a correct and accurate current balance of the credit card account in question. Admitted Denied If the answer to Request for Admissions No. S is "denied", then supply specific written documentation supporting the denial. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. i Lyndsay Rowland, Esquire PA I.D. #205520 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-79555 WWR: 7546865 ®~ ~ Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One® balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call i-877-476-7939• 500023 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,822.46 - $54.00 + $33.82 + $49.00 = $1,851.28 $55.00 Dec. 12, 2007 Oct. 18, 2007 -Nov. 17, 2007 Page 1 of 1 %[ASE MY AT ttASr 1M15 AMOUNT Visa Platinum Account 4121-7470-4464-2835 ~//tloHassle Your Accountlnformation Rewnaos- TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT 5148.72 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH 5148.72 Finance Charges (Please see reverse for importantintormation) Balancerale Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 51,831.56 0.05956% P 21.74% 533.62 Cash SD.DD 0.06504% P 23.74% $D.DO ANNUAL PERCENTAGE RATE applied this period: 21.74 Q At Your Servicet-600.9557070 To W II Customer RNalions or to report a lost a slden card: ® Send paymenlsto: Capital One Bank ~ P.O. Boz 70884 ~ Chadotle, NC 29272-0684 e Send inquiries lo: Capital One ~ P.O. Boz 30285 ~ Sall Lake Cily, UT 84130-0285 For more information on your Rewards: Mjd Visit: wwur.rapilabne.wmlpdnlsrewards Catl: t-800-229-3001 Rewards Summary Previous available balance: 473 Earned !his period: D treRec;s transarlions posted durkg this b41k~,o gcle) Available Balance: 473 Payments Credits 8 Adjustments 1 12 NOV Cap 1 EleclronicPhonePml AuthDale 12-N OV 554.00- Transactions 2 12NOV CAPITALPAYTRANSACTIONFEE St0.D0 3 11 NOV CAPITAL ONE MEMBER FEE 839.00 Capital One Home loans o0ers a variety of no hassle home loan products, including first mortgages, refinance and debt consolidation bans, as well as home equity loans and lines of aedil. Our team of experienced professionals understands that your situation is unique so your loan solution shoultl be loo. You II have the oneon-0rte attention of the same personal loan consultant from call to close. Visit www.capitabnehomeloans.com fa more information. Capital One is an Equal Housing Lender. ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www caoitabne.comldisoules. 6056 506 1 07 17 071117 PAGE 1 of 2 O1 DM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WW W.CAPITAIONE.COM TO MAKE YOUR PAYMENT ONLINE tap:rarpne I what's in your wallet?- New Balance Minimum Payment Due Date $1,851.28 $55.00 ~ Dec. 12, 2007 4121747044642835 17 1851280054000055005 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70884 Irlrrlrrllrrlrrlrllrrl Charlotte, NC 28272-0884 I nlrli nl urlrllruinlrlllnrlnlrlnlul nllnluln lln rli Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Addrets Home Phone Alternate Phone E-mail address @ 7f9032269979924B10A' MAIL TD NUMBER HOLLY ROBERTSON 2303 nAYFRED LN <AflP HILL, PA 37033-5433 rrdlLrrllLrrrrrllrrrllrlllrrlrrlrrllrrrlLllrrrrrrllrLr Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. ~. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, callus at i-877-4767939 and ask for a balance transfer. We'll walk you through the process step-bystep. y. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! t, How to Avoid a Finance Charge. T e. Grata Parlod. You wig nave a minimum grace per'bd of 25 days wiihwi !Nana charge on new purchases, new baMrtce Iranslers, new spetlal pmchues and new Meer charges Yyou pay your Ioial'New Balance', in accordable with the Important Notke for paymenk bebw, ant in tme for it to be credited by your payment due dale. There k ro gate period on rash advances arW speWl trans/ers. In atldiion, llsere a ro grace periotl on any IransactiDn it yw do riot pay the IMaI'New balertce.' b. Accruing Finance Charge. TransaGiuu ivltifh are not subject Ip a grace period are assessed finance charge 1) Irom me dale d the uansed"mn or 2) from the dale the 12nsBUiM is prooessad Iu yu W Awwnl Ur 3) (runt the Iksl calendar day d me wrtenl Dkirg period. Atldkidally, N yw Aid nM pay lhe'Nevi Balance' from the pevioux biting periotl in lug, rrrunce charges continue to arrsue fo your unpaid bekrrx un61 Ina unpaid baknce IS pei0le 1u 1. The means Iha! you may 6111 awn fnertce dtarges, evW+ N yw pay Ina entire New BAUnce IMiraled on Ina irdN of your slalamenl by me payment due date, wi did nM do so Id the previous month. Unpak /nance charges ere added to the applicebk Segment M your Account. } c Minimum Finance Charge. FM nerd! tiling pwrind mat your armuM 6 subject ID a 6wnce charge, m Idol FINANCE CHARGE M 50.50 will be imposedmu )' d Temporary Reduction In Finance Charge. Nh reserve the right to nM assess any or ant finalsce charges id any given DilArp peAOd. 2. Avenge Daily Bakrsra (Including New Purchased. Finance charge is eekdaled by mWlplying the tlekly beknce of oath eogment o/ your account (e.g., wah advance, purduse, speciall2rWer, and specid purchase) by me corresponding daiy periodic rale(s7 mat has been previousy eizdosed to you. Al Ina ere of eaU day durirq me bilNng pored, we aDdy No dally pdiodk rate Id caU segment of your arswnl 1o the dairy balance of rack aegrneM. Then al the and of the tipng peripd, we add up the rivets a mdse roily olcWalions to artiw at ywr peAWk hnance charge for each segrtunl. WB a00 up Ina rbsuNS Irom each segmem b artiw el the total periodic kur¢e charge td ywr armum. To gel the deity Dalanoe for each ugmem d ywr acrouM. we take ih¢ beginnirp beknce Id eadt segrrwnl and adtl any new bansauiona ant any periodic Imance charge calwlaled On Ina pevious days Gal&t[e IM mat segmrtnt. Vle then sunhat any paymema nr dnehc poaletl as M mat day Thal era eNOraled to mat xgment. Thk gives us Iha eeperak daiy balance cur each seynaan of ywr aCCOUrrL HDWCwr, N yw paid Iha New B¢knCC shown on your previous cutemem n fu1 (d tt your haw bakble vmc taro or a uedN amount), new Iransadions, which post to ywr purcluse d epeeist purGlase segments are not added to Ihn daiy balances. w¢ WkMe1C the average daily balance by adding aA the daily habnuu Ingrtlher and d'rriding the sum by the number of the days n the wrrent boing cycle. To Grlculale your Idol finance charge, multiply ywr average daily balance by the daily periodic rate end by Ina number of days in Ute oiAing period. Due to rounding on a daiy basis d due b minimum finanu charge assessment, Ihere may be a vans c¢ between tNs rakuWlim and the anquM d linanGe charge eGUally assessetl. 3. Amtual Pelcenuge Rates (APR). a. Tlw term'Annual Pmcmaage Rate' may appear s'APR' nn IM Irons of thix xUtrtmeni. b. II the code P (Ownedy Prime). L (Ouanery LIBORI. C (onaAeny cD), or s (Bank~m Prima) avpebrs on the hom of Ibis s1alCmrnl neri IU Ilw pCrWdic cater(s). the pwludlc rates ant wrt~pording ANNUAL PERCENTAGE RATES rrwy vary quartedy and may imesce d decrease based on the skied indices, as found in The Wall $ueel Journal, qus Ilw margin pevwusly disduwd W yw. Thbsb duutprrs wiM be erteuive ds dw first day or Your bixk,g period covered by ywr perksdtc swmmnnt enAing in tart monthx of January, April, July and OGOber. c. II Ina Uudr O (MunlMy Pnnw), F (MCVUhIy LIBOR), d G (Treasury LIBOR) appears on tlw from M yod slalamenl nest Io me perioAk rate(s), me perkdk rates and cdresDOntling ANNUAL PERCENTAGE RATE$ may vary onmty and may ira,•eeae or aedease bard on Inn slake intlicez, as Iwrd in Thr Well $Irnel Jwmal, plus the margin prtWpuxly dLx bxM In you. Tone cnangnc wit bP eaeGive rn Ih¢ firs) day M your biting peAOd Cato rrmnih. 4. Aeceesment M U/e, Ovedimil and Re[umetl Payment Fees. Under Ilw krma ul your wslomer egrarmwnl, we referve In! ilgM f0 waive d n01 b asses6 any lean VAIhOUI prior nollflralipn b you wi1hDN v divkp ourrlgM l0 aSaeaa me rite d aimilarlees at a kler lime. 15. Raxwing Your Accowst II a membership lee appears on the Irpnt d ypur cklomCM, yw haw 3D dayc fran me darn This atalerneM was moiled to yw b avid paykq the tee or fo have such Ice Gedited to yw N you cancel ywr accoura wiUaaA having b pay me rMnnbership foe. To certwl your accwnl, yw must notify us by ul:rg our Customer Rekdona Departmem and pay your'New Balance' in /uA (ezGudinp the membership fee) prior to the end M the Ihirty-daY period. 6. H You Close Vour Ac<ounl. Vw Can requtrsl to dose ywr acmum Dy calNng our Customer Relations Department Vw muss desvoy your vedN ord(s) and acGpnl a¢esz dw As, cancel at prsaulhorizetl DYYng and cease using ywr account. After your request b cbse, it you wnurtue fo uansad u eo cwt cancel p2amhpriaed ding arrangements, we wiN cdxner rnreip M a rtumge ywr autnnrizndm In keep ynd count open. AdditionaAy your acwunt vial not be closed unlit yw pay 811 enxrrnls yw awe us indutlbtg: any transaUiona you nave aUlhMlabd. lindnde Charges, peat due fees, overlimit feex, rnlumeA payrrwnl lees, ]sh advance fees and any other lees assessed fo your account. Yw are responsbk Id These amounts whelhel They appear m your acawm al the limn y0U rCgUaal lu dose IhC acdwm Ur They are kvasrtW aubxrplrnl In yaw requrtxt m dnxe dr. smarm This may resuN in charges appear'vtg on your acwum aher you have 2quesled the armunl to ere dosed 7. Using Your Account. Vwr card or account wnnM be usetl in wnneclion wim any Imemel ganWlbg trenseclions. 6. Notice About Eleclron4 Check Conversion. When yw Drovide a check as payment, you aNhoriae us etlhar W USC irdWmaliun burn yW1 CIwrA IU nlakb a WW-lime ekuronic land transfer hom your bank account u to pocess the payment as a Check Imnaactiun. When wr Use nldmalion Iran your check to make an elecironk Nnd Iransler, funds maybe wimdrawnt hum ywr bank accuun as soon as Ina same day we receive your payment, and ypu wiN Ibl recnive ywr drtxF back hom yaw f uncut k+slNMion BILLING RIGHT$ $UTAMARV (In Casc of Ender d Ouosliau abdA Vour BiY) II yw Ihnk ynW hit x rarxg, or H you neeA more inlumalkzt nn a transaction err biN, write to us m • separate sheet ss soon as possible el Ina address Iw inquiries sltuwlt un the !runt M Iles statement Wn mutt hoar from you no lelm clan B9 days afinr wn sans you the lira! Nq on whim tM ertM nr poblem appeared. You can call our Customer ReWtbns number, but doing so will not preserve your rights. In your letter, give us tlw IoNOwing InlWmalbn: your name and aKOUnI nunWer, Mr dinar anaamt nl the auxpecud acrd, a Aescdplbn M the ertd and an eaplanadon, if possible, M why you belkve there is nn acrd: or if you need and nlOmwlion, r desuiylbn or the item yw unsure about. Vw du nut Nava to pay any artwuM n quasfion vAtiie we 8re nvestigadng N, but yw are slit obligalBd 10 pay the pans of your bit Iha! are not n quesllon, yVnile we Investigate your Weslion, we cannot repprt ypu es tlelinquenl d take any ad~un lu cWlacl ma amwm you quaslion. I, T Spttial Ruk for Credit CaM Purctsasos II you have a problem with the quality of progeny or servicec That yw Durohasee with a credit aril and you have Irktl in good !aim lp wrtecl IMr Droblem vnm Ina mel[heM, yw may have the right not k pay tln romainrg amount due on the poporry or ccrviwa. Vou have INs prdecbon oMy vAlen the W rchase prke was more Then 350.00 antl me Durchase was made in your home stale d v~lnin 100 miles of ypur maWrp adtlress. (If we own d operate the merchant, d N we mailed yw the advertisement Id the papery d services. aN purchases are covered regardless of cunt d location of purchase.} Please remember to sign all correspoMence. T Doan roc apply to consumer non-credd card aGCOUnrs i Does rot apPIY b busincsa non.uodn card acrounla Capital One supyoAS inlonnalion prrvary proleclion: see our websha at vrww raoitalWw.cum. Caplkl One k a federally reg¢kred Service mark of Capital One Financial Corporaadt. AN rights reserved. O 2008 Capital One TC-09 ImponaM Notkr Paymenla you maY to us wrae credikd b ywr e40unl as olds busne4 day we receive N, plovked (1) you acrd Ys bottom portbn d pas smament and ypur dlecs F Me endofed rerMtanrz envebpe ant (2) YDta payment k redi+sE k w Pocessfng center by 3 Dm. ET (t2 noon PT). Please aNOw al kart flue (5) busakss days for poskl dsiwry. Payments m¢ircd oY us al sly Meer kralion a let airy ader form may rim Ne vedted x d ale day we re¢Frc them. Ou buskeR days art Mortlay IMwgh SaMdeY. esdud'nq holbays. Pksse do rim use slapln, Raper dqs, etc, vdlen peparimy your paymMl. :00359 MOLLY ROBERTSON Dare __ 12523 zior MAVFRED LN Use by Decembergt, zoo? 68-7z7o/z56o CAMP HILL, PA i7o~i-5433 099o4~or Poy to the orderaJ MOLLY ROBERTSON C v ~ r n J Purchase Check CapitalQy~- Richmond, VA Memo Dollars Signature II.12523t1' t:256D727Di~:75014997D006511• 6056 506 1 0717071117 PAGE 2 of 2 O1DM6056 Justwrite a Capital One° Dear MOLLY ROBERTSON, ! l Ch P h You have things to do. And now you have an easy, convenient financial tool to help e u re ee ase you get them done-Capital One Purchase Checks.* Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple soiution for the purchases made with your credit card. Plus, there's no transaction Fee! thing5 y0U want to d0... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. Whether you use them for cash or purchases, you won't pay a transaction fee when Remodel your home You use these Capital One Purchase Checks. Save time and money. Pay tuition Use your Purchase Checks to transfer higher-interest-rate credit card and loan balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Boole flights and hotels You've got things to do...get them done with these Purchase Checks! Thanlcyou foryour time, ~-~~~ Pay some bills ~~A _ 1 , _ ~"~+~ ~ ~ Get cash for things you P. Taylor Jamison ~ W n nd need a to Director of Accounts "~~ P.S. You can use Purchase Checks just about anywhere! Please remember to use Want to transfer a balance now? them by December 3i, zoo7. Call i-Soo-955-7070 orgo online to +please see the reverse for important information about using these checks. hops://traps ferbolontes. capitalone.tom/ojjers. MOLLY ROBERTSON z~oi MAYFRED LN CAMP HILL, PA r7ov-5433 Poy fo the order o f ossoa 100359 1252!} 68.7z7oJz56o 099o4-ot 5D Dollars Purchase Check GapitalQr~• Richmond, VA Memo II'i252411• 1:25607270it:750i49970006511• Date Use byDecember3r, zoo7 T m O 7J m N m m 0 D O O T G1 O v O y 9 m G1 n O ~ O N ~ m ~ < ~ m -i o m O °i 9 j m a z v a o () ~ 9 N r ~ 2 Z N CO ~ m ~ r c o -i ~ 2 ~ C = N y m ~ z m Got questions? We've got answers Purchase Checks Balance Transfers Q: What is the APR for using my checks? A: The same as your APR when you make a purchase with your credit card. It's easy to get some extra cash for this busy time of year. lust write one to yourself, and deposit it in your checking account. Q: Is there a transaction fee? A: Nope! There's no fee. (No kidding.) Q: What can I use my checks for? A: Use them wherever you'd use your personal checks-and get the same great rate that comes with your Capital One card. Or, use them to save yourself some money! Transfer higher-interest loan and credit card balances to your Capital One account (just not other Capital One accounts). Q: Are these checks hassle free? A: You bet! They're accepted wherever you'd normally use your personal checks. You can also use them at places that don't accept credit cards. Talk about convenient. Q: Why would I want to transfer balances? A: How does saving yourself some money sound? Transfer higher•rate balances to your Capital One card and you could save money in interest. Consolidating your debt also means you could make fewer monthly payments. So you save time, too. Q: What kinds of account balances can I transfer? A: Personal loans, student loans, auto loans, home equity loans and others, too. Basically, anything you've borrowed -except balances from other Capital One accounts. Q: How do I transfer balances from other accounts? A: It's easy) Send the enclosed check like you would a normal payment. (lust don't go over your available credit line.) You can also transfer balances online at https://transferbalances.capitalone.com/offers. Or call 1-800-955-7070 and we'll take care of the rest. Q: If 1 transfer balances, will my other accounts be closed? A: No, not unless you contact your other creditors and ask them to close them. Purchase Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (S) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used as a payment on any Capital One accounf. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. (9) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. © 2007 Cnpirnl Onr Srrviret, btt. Capitol Onr if a frdrrall)~ rrgittrrrd rrrvirr mark. A!1 rigbtt rrtrrr~rd. T m 0 m D m m m m O a D O O T m z O 9 (!J m c~ n n SDU023 ® (~ ® Spread too thin? Paying bills takes a tot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital OneD balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-877-476-7939• FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,851.28 - $55.00 + $32.94 + $0.00 = $1,829.22 $54.00 Jan. 11, 2008 Nov. 18, 2D07 - Dec. 17, 2007 Page 1 of 1 • : • PLEASE PAY AT IIASi TIN$ AMOUNT Visa Platinum Account 4121-7470-4464-2835 ~NOHa55/@ Your Accountlnformation REWARDS- TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $170.78 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $170.78 Finance Charges (Please see reverse for important information) Balance rare Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,843.44 0.05956% P 21.74% $32.94 Cash $0.00 0.06504% P 23.74 % $0.00 ANNUAL PERCENTAGE RATE applied this period: 21.74•/, Q At Your Service 1-800.955-7070 To w8 Customer Relations or to report a bsl or stolen card: ® Send payments to: Capital One Bank ~ P.O. Box 70884 ~ Charbtle, NC 28272-0884 e Send inquiries to: Capital One ~ P.O. Boz 30285 ~ Sall Lake CAy, UT 84170-0285 For more information on your Rewards: pk,0 Vasil: w.vw.rapilakme.wmlpointsrewards Call: 1-BDO-228.3001 Rewards Summary Previous available balance: 473 Earned This period: 0 (rellecls Iransaclions posted during Ihis billing cycle) Available Balance: 473 Payments Credits & Adjustments 1 OS DEC PAYMENT $55.00- Capital One Home Loans offers a variety of no hassle home loan products, including first mortgages, refinance and debt consolidation loans, as well as home equity bans and lines of aedil. Our team of experienced professionals understands Thal your situation is unique so your loan solution should be too. You'll have the oneonone attention of the same personal loan consuMant from call to cbse. Visit wvrir.rapitalonehomeloans.com for more information. Capital One is an Equal Housing Lender. Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit ~caoitalone comldisoules. 6056 506 1 07 17 071217 PAGE 1 of 2 O1 DM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4121747044642835 17 1829220055000054000 CaJ~~t'a/~g' what's in your wallet?' Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. $1,829.22 $54.00 Jan. 11, 2008 Address PLEASE PAY AT LEAST THIS AMOUNT Nome Phone Alternate Phone E-mail address ~° Amount Enclosed ~ k9035269979524e17S1 MAIL ID NUMEER HOLLY ROBERTSON 2103 nAYf RED LN Capital One Bank Irlrrlllrrrrrrllrrrlll CAnP HILL, PA 37033-5433 P.O. Box 70884 lurlllnrlllunnllnrllrlrlnlnlullnrllrllnnnllrlnll Char lotte+ NC 28272-0884 Iul,llnlnrlrllrnlnlrlllnrlrrlrlnlnlnllrrlnlnllnrll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies ofyour other credit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, calf us at T-877-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. q. Be sure the total ofyour transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. Now to Avdd a Finance Charge. T e. Grace Period. You wiN nave a minimum grace period of 25 days wnnwt finance charge on new purchases, new baknce vansfers, new specal purchases arW new other Charges X yw Day your Idal'New Balance'. in arcordanu wish tM Imporkm Notice 1« payments Debw, ant In time for 71 to De uedlletl Dy your payment due dale. There is ro gau period on ash advances and specal vansters. In addYion, tMre is ro grxe Deriod on any transaction i1 you do not pay the mtaPNew Daknce.' D. Accruing Finance Charge. Transaakns wniU are not subJecl to a grxe period «e assessed finance cn rge I ) hom the dale of Ne IrznsarJim or 2j hom the dale the IronsecDm is pruussnd to yaw Ateuunl «3) kum the rksl calendar day d the runes[ bi4ing period. AddXidvlly X you Akl nd pay Ihe'New Baknre' Irom me previous hiNing period in full, finance Uarg<s conlirwe to aceue to your unpaid belarsce until the unpad balanu is paid kl IuA. This means tllal yw may still Own fagrsfi Charges von X yw pay the emiro New &,lanu kdiraktl m the /coca of your aklemenl by Ine payment tlrJe dale, but d0 rql dD so 1« the Drevioua mmth. Urlpsid fnarru charges are added Io the eppiobk segment of your Account. T c Minimum Flnanee Chage. F« each NI4rg perod dwt Ydu a«uunts wDjeG to a Fv,nce charge. a minmum Idol FINANCE CHARGE d SO.SD will he imposed. T d. Temporary Reduction In Finanee Charge. Nle resCrVe IM1e ryM to rrol assess any «a4 finanu charges f« any given bilanp penod. 2. Avsrsge Daily Halanu (Including Naw Purchases). Finance charge is CalaNaled by munipying the daffy balance of each eogmont d your aruunt (e.g., ash advarrc, purdlau, speck) Irzrsler, and special pwUaae) by the correspwldinp dairy periodic rate(s) mat has been previously tliscbsed to you. Al the end of earn day dunn9 the baling period, we appY me daily pwbdic rate tar carp segment of your a«aJnl to the tlaay bolanu of each segment Then sl the end of the dWng period, we add Up me esuNS of theca daily ralwlalioJn to arrive al your periodic Thence Uarge for each segment. We add up the rzsuNS nom each segment to arrive al the tatd perkdk f charge /« your a1:WrJnL To gel the daffy bakrra /or each sepmem d ywr aruun6 sue take the begimng Dakrlu Imo astir segrrlarn and add any new bensodions and any periodc hnanu Utarge LNtuldetl m the previous days beknm br Iha) selFnem. WC Ihnn wdraG any pa• st8 Or «Mila polled as d that dsy Ihsl are allouled to mat segment. This gives us Ine separelC dNy Deknoe r« each seynwnl ul yow aCCOUM. Howtlvnr, X yw paid Ine Nnw 881ance shown on ynpr Previous 6ldlemeni In fUA (« 1(ywr rMVJ haknrG W8a cedit artwunQ, ntw Iransadims, whkh post to yow purchase «apeckl purchase ugrnents are not adtled IU InC ddiy bdknCna. WC caIGJ181C InC avnragC deny halanu by atldirtg an tea dairy haknuu together anA di.;ding me mom Dy me number of me days m the currem billing cycle. To cukulale your tolnl finance charge, mullipy yow average tlaily balanu by the daily pedodk rare antl Dy the number d tlaya in Dx billing period. Due to roursduy m a daily bass w due to minimum finanu charge asccssmcnt, (here may be a varianu between tMS wlcuklim and the mount of linawe charge acwaly assessed. 7. Annual Percenkpe Rates (APR). a Tl,e temt'Annual PnreeMage Rata' nay appear as'APR' On me tmnl M Ihtt aNtnment. D. II the code P (Ouaneny Pnme). l (Ouarte.y LIBOR), C (Ouanedy CD), «S (Bankurd Prime) epyears m Ilre Iron) of Ihla aIBlCnlenl nCVI W 11,C penWk rdlC(a). Ilw pefkJdiL rates and rgrceapmdng ANNUAL PERCENTAGE RATES may wsry quanedy ant may inuease «decease Dried m the staled indkes, as lound in The Wall $Ireel Journal, pus the margin prcviuusly dkdusnd W you. These Wryles w:M De eeecwe m the first day of your DWirg period covered by yew perinnic sulemenl ending in me months nl January; April, July and OGOher. c. II Iha code D (Mmlhy Pllme), F (M«dhly LIBOR), « G (Trnawry LIBOR) appears m the Iron) of your sklemml nest to fie Penodk carets), the periodic rates and uaresprxldinq ANNUAL PERCENTAGE RATES nay vary mthly and rosy ncease or deueese based on me skied Intlkes, as rwnd k The Wall Streai Jwmal, plus the margin peviously disclosed to you. Thou changes wNl he eeedive on me lirst day d your haling penod each mmm. <. Assessment w Late, Wedimit and Returnetl Payment Fees. Under Iha IemK of your wsWmM Bgrennrenl, we rEaeNe me right W Waive « npl t0 aasB56 any Ilea wilhON prbr n«elratim to you wimwl waiving ourriOM to assess me me w s'vnilar lees al a latertime. T 5. R<newtng Your A<counL 11 a membership lee appears m the front of your sklameM, yw Nvc 3D days hom dlo date Ihis stdemem was mailed ID you b avoid Oayvtg the lee «to have such fee credited to you if yw canal your auouM vrimow having to pay the membership fee. To oncd your account, you must notify uz by uA'ng our Customer Relalims Depanmem and pay your'New Balarwe' in 1uA (esGuding the membership lee) poor to the entl of me Ihirty-day period. 6. If Vou close Your Account. Vw ran request to dose ywr unl by u1Nng wr Customer Relalipna Depanment. Vw mull destroy ywr uedX card(s) ant account a¢ess Greeks, rral ell preaumonzed Riling and ease using ywr acccum. Aner your request to close, it you continue b tronsad « tlo not canal preaulhprized dtliny amnyemenls, svE wg1 crosNm reru+p nl a charge your awMrizndm to keep ywr mount open. Additionally, your acmunt will not be cbsed until you pay eN anlrwnls you uwa us includssy. any UdnaiCtiUr,6 yqU have dUfh«ized, (IninCC LhargCS, peal dUC fees, weremn lees, rmur ~ ry ymeM lees, rash Mvanra lees and any other lees assessed tp Ywr account. von are respmsible I« Ihese ammonia whether IheY appear m yow atGanll a111+e lime you repursi lu dash IhC DCWUnI w they .urten subseglrom In y«a request m tlrnce die acruJUnt. iniammey reaan in enargea appearkg m ygnrarronnt aver yqu na.K roq~eske me acUOml m De Ggsed. 7. Using Vour Account Vour card or attounl unnd be usetl in nneClion with eny Inlemet gambling IranaaGiona. 8. Notice ADwt Electronic Check Conversion. When you provide a check as payment. you aulhwize us eXMr lu use inlwmaliun from ywr Chee4 to ma4e a una-Gmn ekGronic land trnnsler iron ywr Dank account « to process the payment as a Check IgnsadWn. When we use information Irom your check to make an eleeronW Wnd Ironsler, fUntla may be wimdravnl hum ywr bank aCCwnl as soon as dre same day we receive your payment, and you will not receive ywr cheek bark hom your lnanrJal'a+alilulim BILLING RIGMT$ SUMMARY (In Casc of En«s «Oucafons about Your Bill) If you IhinN your hiN is vrtnng, or it you neM more inf«matinn nn a trensadan Or dll, wale to Us m a separate sheet as soon a•. possible et the address lur inyubins shuvnr m Inn frwll ul d,k statement. We must hear /rom you rro kter dqn BO drys aner we eel yw the (rsl biX on which the error or Problem appeared. Vnu can call ow Customer ReklWns number, but tloing so will not preserve your nghls. In your letter, give us the Idbvwng intwnulion: your name and account number, Ine duax amuum of the auspnded ercor, a description nl the erc« ant an eaparwkon. it posobk, d wiry you Ddkve tnero is an err«; or II you need more information, • tlezcripion of the item you era unswe shoal. Vw du not nave to pay any amount in qusslim vnNe we ere :lvesgalirg h, bu[ you are aryl obligated m pay lee pans of yow bill that arz not 'n queslron. While we invenigale your queslim, we Wmol capon you a5 ddinquml « take any acfron W rdkcl me amount you yueslWn. I. T Special Rule for Crodil Card PurGlasea II you have a problem with the qualYy of property or serviua mat You Durchased with a «edil urd antl you have Irkd in good Iailh to monad the problem wim Ine merchant. you may Aave the ripM nd to pay Uw rcmainkg amount clue on Nc progeny w services. You have Inls prdecdOn only when the purchase pate was more than fSO.OD and me Dwchase was made in your home akle « witMn 100 miles of your mailing address. (I/ we own « operate the merchant, « X we mailed yw Iha advemsemenl i« Ine progeny «servicea, all purchases are coveed regardless of oust or localim of Durchase.) please remember Io sign all correspoMenca. i Does not apply fo consumer non-credit cab accounts I Doc$ nor apply to Dusarcas non-cretin cant accounla Capkl One suVPons infonnalion Vnvaty protection: see our WCbanC al VlWw faDNalmn.Cmr. Upikl One N a ledelally regktered 5ervi[e mark of Capital One Financial Corporation. AY ngMS reserved G 2UOS Capital One TGOtl DtDMDDSB ~ t • DanDJDr Imponanl Ndka: Payments yw may a w wiY be credikd b your aaounl as of the budrteu der we receive II, provided (1) yW sent the Ydlom ponbn d Ihb flaromml and yqur dr! k in tiro enclosed remdkn <mvebyt Md r!) you payment is re¢wad h au protesting ceMtt by 3 p.m. ET (1Z noon PT). Pb[e sNOw al least f (5) Dusmess Bays Ia posW deNVery Payments rosined ly us sl arry doer bcalbn d k any dear loan may rid x aedned,f m nro wry ova roaNe IIMm. ow oraaroff bay: tte IMday Ilaongn sawMay, estlmbg Mlitlars. Please do mt use skpes, paptt cops, ek. wnm Peptthg your payment. MOLLY ROBERTSON ztot MAVFRED LN CAMP HILL, PA t7on-5433 Pay To Th e Order Of MOLLY ROBERTSON VOID CapitalQy~~ Richmond, VA Memo Date Use byJonuary3~, zoo8 200360 12525 66-7z7o/z56o o9go5-ot S 0 Purchase Check Ilars Signature 11.1 25 2511' t: 256D7 270 ir:75D 14997D0D6511• 6056 506 1 07 17 071217 PAGE 2 of 2 O1DM6056 Dear MOLLY ROBERTSON, With the enclosed Purchase Checks,` you can access your Capital One" account almost anywhere-and in a number of ways! There's absolutely no transaction fee for using them and they carry your purchase rate. Nere are some ways you can use Purchase Checks: Transfer higher-interest-rate balances and you could save money. ; -~-' Use your Purchase Checks to transfer outstanding balances on other credit cards, department store cards or loans. ~~, Simply write a check toward the balance and it will appear on your Capital One account at your purchase rate. Move other higher-rate balances today and you could start saving with fewer payments every month! '' Put them in your wallet and use them to make purchases. ,,((~(L Purchase Checks are especially handy at locations that accept personal checks but don't accept credit cards. ~ ~/ So, whether you're making a big purchase, buying electronics-or just buying groceries at your local l~~l wholesale club-your Purchase Checks give you an easy way to pay. Make a major home improvement. Remodel your home with the kitchen of your dreams. Buy the new furniture you've been eyeing for your living room. Replace that leaky faucet or build the addition you've always wanted. There are a lot of great ° '+ ly 1 ways to use your checks. ~ ' Use them to cover other expenses. Your checks can be used to pay for travel, school tuition-even bills. Simply use them like you would a personal check and enjoy the flexibility of paying over time if you wish. Use your Purchase Checks for almost anything you'd like. Just be sure that the total of your checks is not more than your available credit line. Don@miss out -use your checks by January 31, 2008 or call us at 1-877-476-7939 to transfer today. fornddiHonaf Since~relAy,,l Iblftl0f P. Taylor Jamison, Director of Accounts P.S. Use your no-transaction-fee Purchase Checks today and take advantage of your purchase rate. You can use them just about anywhere! • See back of letter for important information about using these checks. MOLLY ROBERTSON ztot MAYFRED LN CAMP HILL, PA ~7ott-5433 Pay To The Order Of CapitalQ~' Richmond, VA Memo Purchase Chetk Date Use by/onuary3~, zoo8 information about using yaurchecks, please see the bock of [his page. 200360 12526 68-7z7o1z56o og9o5•ot $O ars Signature n' 1 25 2611' ~: 25607 270 i~:7 50 1499 700D65u• 0 9 O m Z `~ o 37 ti < F m x o~ T m O- D y T_ D Z ; D v Z O (7 9 r y ~ Z ~ m ~ m C ~ ..~ O O £ Z i fn ~ m~ * m Answers to frequently asked questions about Purchase Checks Q: Why are there checks in my statement? A: The enclosed Purchase Checks offer you another easy, convenient way to access your Capital One account. You can use them virtually anywhere, for almost anything you wish. Q: Are these checks safe to use and to have aroundl A: Yes, with our $0 Fraud Liability policy, you're not responsible for unauthorized charges to your account if a Purchase Check is used without your knowledge. Q: How are Purchase Checks different from my personal checks? A: You can use Purchase Checks just like personal checks. The difference is that instead of drawing funds from your checking account, Purchase Checks take advantage of the available credit on your Capital One account. Q: What can 1 use my Purchase Checks for? A: You could use your Purchase Checks for almost anything: consolidating credit card debt and loans (except Capital One accounts), taking a vacation, or making major home improvements. Or, deposit the first check, that's made out to you, into your bank and use the cash for whatever you want. Q: Why would I want to use my Purchase Checks to consolidate debt? A: You could save money by transferring higher-interest-rate balances to your Capital One card at your current purchase rate. And, by consolidating debt, you could have fewer payments to make for greater ease and convenience. Q: Where are Purchase Checks accepted? A: Purchase Checks are accepted wherever you'd normally use your regular personal checks. You can even use them at places that don't accept credit cards. Q: What annual percentage rate will apply when I use my Purchase Checks and is there a transaction fee? A: You will receive the same APR you currently enjoy on purchases made with your credit card and there is no transaction fee. Purchase Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used as a payment on any Capita! One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. {9) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. SO fraud liability claims are subject to verification and investigation. ~ 2007 Capital One Services, Inc. Capita! One is a federally registered service mark. All rights reserved. o m 9 0 2 N 2 ~ 0 ~ ~ < f N o a -i T m = m m ym a m D m 2 ~ D v Z p () y r N Z 2 Ni m ~ m ~ C Z i N N m C * m sooooB Ce7plte-7~Q}~' what's in your wallet?' It could happen to anyone. Make sure you pay the amount MOLLY ROBERTSON due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS ~ do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES ~ ~ ~ BETTER INTEREST RATES (good credit could mean lower interest rates) ~ ~ ~ IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) O 2006 Capital Onr Snvitn, Int. !'npiral CJnr it a fldrrrrlly rrgiurnd service mark. ,911 nehu racrurd 500008-08503 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,829.22 - $0.00 { $33.45 + $39.00 = $1,901.67 $111.00 Feb. 11, 2008 Dec. 18, 2007 -Jan. 17, 2008 Page 1 of 1 ftkASE PAY AT I1A57 1MS A1AWN7 Visa Platinum Account Your account s enr: payment behind. Remrmter Ihal making you minimum payments by the due date keeps your account in goon' slaodinr;. Fudher mssed Daymenls may b6 raponed to the national crrdii bueaw. ao 4121.7170.4464.2835 ~/NoHassle make v, a you send in the rnininwm amount due b keep your account in good standirG. Your Account Information REWARDS TOTAL CREDIT LINE 52,000.00 TOTAL AVAILABLE CREDIT 598.33 CREDIT LINE FOR CASH 52,000.00 AVAILABLE CREDIT FOR CASH $98.33 Finance Charges (Please see reverse for impodant information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 51,854.09 0.05819%P 21.24% 533.45 Cash $D.DD 0.06367 % P 23.24 % b0.00 ANNUAL PERCENTAGE RATE applied this period: 21.24 Q At Your Service t-800.955.7070 To call Customer Relations a to repoA a bst a stolen card: ® Send payments lo: Cap9al One Bank ~ P.O. Box TOBBd ~ Chadotte, NC 29272-0884 Rewards Summary Previous available balance: 473 Earned Ihis period: 0 (relleds transac6ms posted during this billing cycle) Available Balance: 473 Payments Credits & Adjustments Transactions 1 11 JAN PAST DUE FEE 539.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been e Send inquiries to: increased since your account was past due twice in the past 12 billing cycles. It your rates have already Capaal One ~ P.O. Box 30285 ~ Salt Lake C9y, UT 84730.0285 increased, subsequent delinquencies ezlended the duration of the increased rates. Remember: If we receive For more information on your Rewards: your minimum monthly payment on time for 12 consecutive billing cycles, Ihis account will be reviewed for a hji/ Visn: www.rap8alone.comlpoinlsrewards possible return to your Non-Introductory APR. Call: f-B00.2283o0t You were assessed a Dasl due fee bequse your minimum payment was not received by the due date. To avoid Ihis fee in the future, we recommend Thal you allow al leas) 7 business days for your minimum payment to reach Have a question about a charge on your statement? Capital One. Please refer to the Billing Rights Summary on the back of your statement or visit www caoilalone comldisoules. 6056 506 1 07 17 080117 PAGE 1 of 1 O1DM6056 PIEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4121747044642835 17 1901670055000111008 CapitallQy~~ whars in your waned. Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date please print address or phone number changes below using blue or black ink. Address $1,901.67 $111.00 Feb. 11, 20 08 PLEASE PAY Ai LEAST THIS AMOUNT Home Phone Alremare Phone E-coal! address @ Amount Enclosed , 119001869979524819p MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYFRED LN Capital One Bank l ll l ~ll l l l CAr1P HILL+ PA 17013-5433 r i rr rrr r rr rr P.O. Box 70884 ~url~lnrl~lunnl~urllrlrlr,lnln~lnrl~rlluturllrlnll Char lot te+ NC 28272-0884 Inlrllnlu rlrllurlnlrlll urlnlrlnlnlnllulnlr rllnrll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How ro Avoid a Finance Charge. T a. Grata Period. You witl nave a rtrinimum grace perod Of 25 days wNhWt ( anu Charge on new purchases, new balance Iranslers, new apedal pwcnases orb new other charges Y you pay your total -New Babnce', in a¢udance with Inc Imparbnt Nolke for paymenk Dekw, and in time for it to be oedged by yow payment due tlate. There is ro Bare period on usn advances 8110 spacial irdnsfelb. In dddNbn, I11ere 6 ro grace period On any Iransactbn it you dp not pay lee total -New balanu: b. Accruing Finance Charge. Transactions whkh are not subject to a grace period are assessetl iwnu cnarpe I ) 6om tl1e dale d Ins UansarJion M 2) from Me dale the Iransadion if proarsxd to your Account W 0) IMm Ihr (lest cal<Mal day d Inc Wrten[ DNir%J period. Addaionaly, AyW did nM pay me'Nevv Babnce' Imm Inc eevnus owing periotl in fuA, fiwnce charges continue o atrJUe b your unpaid bebno until Ihr unpaid Dabnu is paid in fol. This maan6 Ihel you may sdl owe fnarra tllarges, tlvnn X yW paY the nmire New Balarre Indiuled on the lrrw of yma sDllemeM by Inc payment due date, Dul did tql dD so la me previoUS month. Ullpifd Ik18nLe LhdrgeE arc added 10 the apdiode segment d yea Account { c. Minimum FManee Charge. Frr each piling period that yWr acmu115 suDjeU b a ArDr¢e Uarpe. a minimum Idol FINANCE CHARGE d 50.50 wYl bn imposetl. { d. Temporary Reduction In Finanu CMryt. NJe reserve the right b nU assess any M as Urgnu charges IM any given bYNrq period. 2. Average Daily 8alano (Irrclsrdinp New Purohans). FinAnca charge is cakv181r0 by mueiplying Inc tlaiy belarlo of oath segmrnt d your a¢aJnl {q.g., Wah advartw, wrdlax, special Irerssler, and special pwMax) by the correspondng dairy periodk rate(s) Mal naa been previaualy Oisdoxd o yW. At Iha end d each day durirq Inc biting pMiod, v+e aDdY Mc daily ptyriodk rate for each xgment d your account to the daily lubrlre of each xpmeM. Then al the eM d Me tilling period, we add up the results d IMSe daily ukubliorK to anive at your periotlk fnwno charge for each segment We atld up 1ne resuls hero aadl segment b BnIVC al the lpbl parodc fnanpe charge lo! your account To gel Inc dairy babno fa each xpnem d your account. we Take the bedmnp hoboes fm cacti segment orb add any new aansacaons and any psriodk bnance tharye ceICUIMed on Ina eeviWb tlAyJS bMano for Mat eegmmlt. We them cutaraU arty pnymems nr rredite posted is d WI day Ihst arc spooled W Msl xgmeM. This yivez trc the saparaln uey Unbno la each zeyneml ul your aCrDUnI. Howewt 11 yW paid Iha Newv Babllen 6hUwn1 Dn your previous 6tnlement in fW (M NyMIr oar, hib t was zero d a cede announl), new Irsnzedkns, which post to ymr purdwse a special yurdrase segments we not added lu Ihr dally babncns. Wn ulWlale Ihr evnrege daily halarre by add"mg aH Ne daily ML,nuz vgether and dividing the sum Dy Inc number of the days in the wrteM Odkng cyde. To ulculale your loins hnsnce charge, mWliply ywr average daily balano by the daily penodk rate and by the number al days in tl1e biAinp periled. Due b rouroirq on a datly basis a due to minimum dnance Norge assessment, There may be avanance between this okuiafon and the arts of finanu charge acWally asxszed. 3. Annual Parcenuge Relas (APR). a. Tlvs lem+'Annuy PnrcerNaga Ra1n" may appear s'APR' on IM Irnnt d this sulament. b. II the code P (Ouarteny Prime), L IOuannry LIBOR), C (oaenedy eD), ors (BankcaM Prone) appears on ma front ul this stalrnreln nnrl W Ihr pedudk rala(4). Ihr periudk ea orb Corresponding ANNUAL PERCENTAGE RATES rrwy w*-Y quanMy and may inoaaae a deuenx based on me blalad imkes. as IoaM k, Tnn wau sveef Jaanal, pat the margin enviously disduxd W yw. Those dlarync owl De eaective m me first day d your bNkg pnrbd cwored b)' yW r perkbk tutemem enek,g in con comma d JAnaary, April, JWy and October. c II the coda D (MUnllry Prime), F (ManWy LIBOR), a G (Treasury LIBOR) appears on da: IrUrd ur your sWemenl nee w me pemdk role(s), me perkbk rated one rtesponeing ANNUAL PERCENTAGE RATES may vary rgngry and may increase or tlaueese based on the clakd indius, as IWrb in Thr Wall $Irnai Journal, plus lhs margin prevously tlisdnsnd In you. Those rhangna wYl he efiedive on the lirst day of your DHirg period each month. {. Azzeszmenl of Lele, Overlimil end Returned Peymenl Fee Untler Inc Irrms of yW wSlumer ogre rd, wr Iebenle the right b walVe a ro1r10 >baee6 any kec WkhoN prior notlflonon lp you wilhWt waivbp ourrlpM to assess the same a simgar less a1 a bier lime. { 5, Raxwkp Your Account II a nlemddsnip fee Appears on Mc Ire11 d your slalanCM, yW haw 30 days kom dm dale Mi5 sblemenl was mailed to you b avid paying the tee or to have such lee vediled Io you it you offal your ampuM witMW having to DaY the nlenlbership fee. To carted yax xcount yin must nody us by casing ou Customer Relations Depanmenl and pay your'New Balance' in tai (exdlbing Iha membership lee) poor to the end of Me thirty-tlay periotl. 6. N Vou Cloee YWr Account. You on request 10 close yWr account by ulGng Wr Customer Rebfrme Depanmem. Vou usI destroy your vean card(s) and arceunt a¢ess checks, ortrel atl preaumonzed Dilfing ant cease usirq your s¢ount. After your request to cbse, it you continue la Uprlsad a do not una:l preaUlhoriud bininy arr>nyemenls, we vdl consider rereryN M a dv,rga your aulmrizadm b keep your ant open. Addniqnagy, your account will rot be cbsed until yW pay aN enannls yW awe us indutliryJ: any Iransadkns yUU haVr dVlh(Aiatld, UnanCC phalgeb, past dUC lace, rwedimk feex, rnrumM tY7ymam leer, oeh advanu r«t and any Omar tans .aaeataa to yWr dement. vW era responsihk fa These amounts vAlelhar They appear on yew acwunl dl Ihr lime yW MUUeat lu dubs Ihr acuwla Ur they wont( sunxequnnt m your requnat W dnsa d+e xamM This rtxy result in chrrges appearing m your account doer you nave requested the account to be dozed 7. Using Your AcceunL Your pfd or accoum onnot be used in mnneciiOn wim any Inlemel pamWinp Irensadions. 8. Nolire ADoui Electronic Check Converalon. When you provide a dteck as payment you aulnorize us either lu us8 infwmiliun Irum yWr U1eck lu make a MW-limn deUronk fund Irerss(nr lrom your bank account or to process Ihr payment a4 a U+rck Iransactbn. When wC Usr inlamaibn Iran your check to make an ekcbonk Wnd lransler, lands nay be wiUOraw+1 pool your Wnk a¢Wnt a4 smn as the same day vrc roceive your paymeN, and you will cwt reuvn your chock back (cool your Onandal instllulim. BILLING RIGHTS SUMMARY (In Caw of Ertors or Duosliorrc about Vour BNq If yW Think your biA is raong, or A you neetl more infamaY non 8 f2naadlm Of 6Itl, VAae 10 Ub Or1 a SeparDla bheet 85 SOOn SS passible aI Me edOrrss km inquiries shown on the (cart ul This 6lalentenl. Wb coact hear from you np bloc Man 60 days afinr we dent you Me Trst biA on vJhkh the eror or problem appeared. Vou can fall our Lutlomer Relations number, but doing so will not preservr your rights. In yaw letter, eve us Inc IoYwriny iniwmation: your name antl account number, lea OWIx anaounl DI IhE batDaded actor, A debpllpllOn d Iha 9ne irb an eadanatbn, ll passible, d vmy you belkve mere Is an error; or g you need mwe inlomtalon, a description of the item you a an4uro abWl. YW du not nave Ip pay any anwunl k1 gua4liun while we are investigating it but you are cull obligated to pay the pans of yow big Mat are not in question. WMk sve invezlipate yarn question, vve umol report you as delinquent or bke any action ID rtlgecl Inc amount you quaslon. I. i Special Rulc br Lrcdit Card Purfhascs If you nave a Drohlem with the qualAy of properly or services that you purchased with a vedtl card antl you nave tried in good IaiM to conecl IM problem wim Inc merchenl, yW may nave Inc right not W pay Iltc remain"ng amount due on Iho eoputy or ccrvkcs You haw Ihie protection only when the purchase price was more than SSD.OD and Me puchase was made in your home chic a vdthin 100 miles of your mailing address. (tl we own M operele the merCnanl, a N ere mailed yW Iha advertisement tw the eopeny or services, all purchases are covered repardkss of amarnl or bcalion DI purchase.) Please remember 7o sign all cortaspondence. T Does rot sDPly to consumer ron•credd card accounts Dooa rot apply ro bucinoas ror.credN card acmunla Capial One supports intormalim Vrivary protectim: see our websne al vnvW odlahNlr win. Cadlal One H i lederdlly regislere0 b8rvice mark 01 Capital One Financial Corporation. AI rights reserved.02008 Capital q1e TGOe ImpoNnl Nolke: Paymerds you coal b us wp ae aedktl b your ao>wnl as at V,e busirlsss day we receive N, prodded (1) you send Inc bMlorrl ppnion d tMs sblmanl and yew c~ed'n the enriosa0 rtmsbno: enwbpe aro RI Pw PaY^K+'l a reoeHed m our praesz'vg Center by 3 pm. ET (12 nom PfJ. Reese Alba al least f IS) Wurass days for posul delivery. PaymeNS reulved M us at wry firer kration or'n any inner brnl may ml be padilN as W file my we euive elem. Ow buskass mys are ktorbay INOUgn Saluday, ndueing IoWays. Please ao rid uu staples, paps des. ek. Mlm preparNrg yon paymeN. 500008 ~apita/~17~ what's in your wallet?' {t could happen to anyone. Make sure you pay the amount MOLLY ROBERTSON due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES ~ r r BETTER INTEREST RATES (good credit could mean lower interest rates) e ~ IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) CO 2006 Capital O++r Srrriccr, lnr. (apitnl Uar it a fr~rrally rrgitrcrrYY rrruirc nmrk. All rigbrt rrirn+ed 500008-08503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,901.67 - $54.00 + $35.12 + $39.00 = $1,921.79 $114.00 Mar. 14, 2008 Jan. 18, 2008 -Feb. 18, 2008 Page 1 of 1 __-~ Visa Platinum Account 4121.7470.4464-2835 ~/NoHassle Your Account Information REWARDS' TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $78.21 CREDIT LINE FOR CASH 32,000.00 AVAILABLE CREDIT FOR CASH $78.21 FlnanCe Charges (Please see reverse for imporianl inlormalion) Batancerate Periodic Correspondng FINANCE appliedio rate APR CHARGE Purchases 51,886.20 0.05819° P 21.24% 835.12 Cash 80.00 0.06367% P 23.24% 80.00 ANNUAL PERCENTAGE RATE applied this period: 21.24% o Al Your Service 1.800-955.7070 - To cal Olslomu Relations a b repoA a bs1 or sbpn card ® Send payments lo: Capital One Bank • P.O. Box 70884 • Qiarbtle, NC 28272-OBBd ® Send Inquiries to: Captal Onr P.O. Box 30285 • Sal Lake City, lR 84130-0285 PIEASE PAY AT LEAST iHll AM011111 Your 2ecoi.nt is Orp paimenl L~et:ic.;. Remembr 11721 making ycur minimum paymerls by':he due dare {>~. yrnx acccunl in ce,r1 standing. Further misse,l rc~ymenL• may li-_ r~:arlcd o ltc natHmal credit burzaus. Sr, msY.e sure }rou ser~c m t17C minimum amrunt due to k?<Y: y:nlr accamt in Bond standic~. Rewards Summary PrevioLa available balance: 473 Earned This period: 0 (relhcts transactioris posted during Iha I>isny cych) Available Balance: 473 Payments Credits 8 Adjustments 1 25 JAN PAYIdEIJT 554.00. Transactions 2 11 FEB PAST DUE FEE 53,9.00 Under terms previauly disclosed to you, some or all o(your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles.lf your rates have already increased, subsequent delir7quencies extended the duration of the increased rates. Remember If we receive your minimum monthly payment on time for 12 consecutive biding cyder, this account wi8 be reviewed for a possble return fo your IJOn-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due date. To avdd This fee in the future, we recommend Ihaf you albw at least 7 business days for your minimum payment to reach Capital One For More Information on your Rewards: =1P Vsil~w+.w.capitabne.comlpoinlsrewards Cat 100.228-3001 Have a question about a charge on your statement? Please refer io the BiXing Rights Summary on the back of your statement or visit www ratrlabne.com/disoufes PLEASE RETURN PORTION RELOW WRH PAYMEM OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4121747044642835 17 1921790054000114008 ~apitalQng' I wham.nYovrwane,v' Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date I'kase print address or phone number changes below using blue or black ink. $1,921.79 $114.00 Mar. 14, ZOOS Address PLEASE 1'AY A I LEA51 Home Phone A/remare Phone THIS AFAOLRJT E-mail address Amount Enclosed J19005069979524817~ MAIL ID NUMBER HOLLY ROBERTSON 2103 nAYFRED LN CAMP HILL, PA 17011-5433 Capital One Bank P•0• Box 70884 II II IIIIIIIIII IIIII III Charlotte, NC 28272-0884 InIIIInIn1I7IIn1InIlIIlnrlnlrlnlnlnllnlnlnllnlll IIIIIIII IIIIIIf III III II IIIIIIIIIIIIIIIIItIIIlIII11111III III Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avow a Finance Charge. T a. Grace Periotl. You wig nave a minimum grace period d 25 tlays wilhoW finance Charge on new' pucnases, new balance transfers, new specal purchases and new other Merges it you pay your trial `New 8alaxe", in acoadaxe whh the Impoltanl Notice for paYrnents bebw, and in time for g fo be tted"ned try your next statement cbaing dale. Thaw is no grxe period on Cash advances and spxlal transfers. In addnicn, mere m no grace period on any vansadbn N you do not pay the Idal'New balance." b. Atcfuinp Finance Charge. Transadiars whkn are not subject b a grxe period are assessed lirlance charge 1) Iron 7ne date d the transxlion a 2) aom the dale ine iransadion is processed to yow Account a 3) Iran the first olendu day o1 the curtenl MNirlq period. Addabna0y, N you did not pay the'New Balance" Iran Me prevbus bialrg period M 1u11, fimnce clurges continue to xcnu to your unpaid balance until the unpaid baUxe is paid in IWI. This means that you rtay sell owe finance charges, even N you pay the entire New 0alance indicated on the IroM of your snbmeM M the next statement cbsirrg date, hul did rbt do so is the prevbus month. Unpaid finance MargeS are added 1o the applKADIe segment d your Account. T c. Minirtum Finance Charge. Fa each billing period Thal your actwM is subject to a fmarlce charge, a rNnimum trial FINANCE CHARGE d 50.50 wgl ce Imposed. H the tolol finance charge resugirg horn Inc application o1 your perbdk tale(s) is less than 50.50. we will sublraU that amount from the E0.50 minimum and the ditlewnce will M billed fo Inc Wrchase segment d your account. T d. Temporary RaduUbn in Finsnce Charpe.We reserve the right 1o rid assess any or all finance charges la any given billing period. 2. Average Dairy Balance (InUtMing New Purchases). Finance charge rs cakuhled by muniprying the tlaiy Dabnce d exh segment of your aeeoum 1e.9.• osh advance. purchase, spxial transfer, and special purchase) by the cortespoMing daffy patodk role(s) that has been prevausly distbsed to you. At the end d each day during the bilkng period, we appy the daffy perodk rate la each segment of your account to the dairy baance d exh segment. Tnen al the end of ine DNNng period, we add up the resuas of IAese daffy caltrnalbrt to aMve al your periodk finance charge fa cant segment We atld up the reruns from exh segment 10 artwe at the trial perodk TnarlC! charge fa your xcwnl. To get the daffy baance for exh segment d your account, we lake the be9inni^9 balance fa exh segment and add any new IransaUiorts antl any periodic finance Charge calculated w the prevbus day's balance for that segment. We then sudnd any payments a credNS pasted as M Thal day That are albtalM to trial segrtgnt. This gives us ine separate defy balance for exh segment d you attwM. Howwar, n you paid the New Galante sham on ywr prevbus slafarrleM In IWI (or y your new balance was zero a a tredM amount), new Inrtsacaons, which post fo your purchase a spxlal purchase segments aw not added to the daffy balances. We okWale Inc average daily balance by atldng alt the daily balances together and dividing the sum by Inc number d Me days in Inc wneM DiNing ryda. To olculate ywrtotal finance charge. munipy your average dairy baance Dry the dairy periodk rate and by the number d days in Nre bilNng period. Due to rwndirg on a logy basis, there may be a slight variance between this okuUfion and Nte artburtt of Tirtance Marge adualy assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rafe" may appear as 'APR" on the iron) d this sntemenl. b. If ins code P (waneny Prime), L (waneny LIBOR). C (OUaneny CD). a 5 (Bank[artl Prime) appears on the 1roM d this sntemenf next to the penotlic fate(s), the penodk ales arN cortesponding ANNUAL PERCENTAGE RATES may vary gwneny and may incense a dettee5e based on the stated intlices. as bond in The Wap Street Journal, dos the margin pwviousry discbsed b you. These changes will be edective on the first day of yoW billing period covered by your p@riodk stawnwrtl ending in the rtroniM OI Janwry. ApnL July and October. c. It the code D (MOnthy Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the 6oM of your slaterront nezl to the perbdk rate(s), the penodk rtes and tortesponding ANNUAL PERCENTAGE RATES may vary rtnMhly and may increase a deaaase based on the soled iMkes, as IOUntl in The Wall Street Joumai, plus the margin pwviousry Oiscbsetl b you. These changes wig be eDective on the 9rst day d your dlhng period exh month. d. Assessment of Late, Oveninvl and Returned Payment Fees. Your accduM wtill De assezsed no more than three of the lees listed haw that occur during any billing period. Under the terms d ywr cuslorttef agreematl, We reserve the rigid b waive or rot to assess any lees wnhoul prig riotiTx:alicn b you wilnoW waiving our right to assess the same or aknilar tees al a tatty lime. t 5. Renewing Your Aotount. It a rtkarbership lee appears On ma IraM d ywr stateRleM, yW haVe 30 days from ine Gale iho statement was marled to you to avdd paying the lee or b nave such lea ttedNetl to you g you cancel your xcwM wghoW having b pay 1M membership lee. To cancel your account, you meal nasNy us Dy olkng our Customer Relaliorx Depadmenl and pay ywr'New Baance' in iWl (exchWing the membership tee) prbr to the eM d the Ihirryday period. 6. If You Cbse Your Account. Vw can request b close your acoount by taNinp ow Customer Relations DepadmeM. You meal destroy Your credit card(s) and aawnl attest checks, cancel all preaWhonzed billing ant cease using your account After your request to ckse, n you continue to lransad a do not oriel prearnhorized billing artangerMrlla, we will COrKldef rxeipt d a charge ywr aWnonZation b keep your account open. Addilionaly, ywr acowm will not De cbsed until yw pay all artaunfs yw owe us including: any transactions yw have authorized, fnance Uurges, past due lees, ovenimn tees, returned paymerd feet. osh advance fees and any other lees assessM b your account. Vou are responsible la these amounts whether they appear an your account at the tirtle yw request to close the at<wM a lney are Incurted suMequent to your request to Uose the account. This rtuy rerun in charges appearing on your account aher you nave requested the account fo be closed. 7. Uskiq Vour Account. Your card or account onnol be used in connection wiln any Inlerttet gambling lranaxibns. 8. Notice About EkUronk Check Conversion When you Drov'~de a check as paYrt+enl You aulhonze us either 1o use irlbrrrtelion from your check to make sate-lime electronic hind uans/er from your bank xcount a to process the payment as a chxk tnnsaclbn. W nen v.C use iMOrmation from your Check b make an eledroruc fund trareier, funds may be whhtlrawn from your Dank account as soon as 1ne same day we receive your payment, and you will not receive Your tnetk back lromyour frNntial inslnWion. BILLING RIGHTS SUMMARY (In Case of Ertars or Ouesgorrs about Your Bill) h you think your till is wrong, a f1 you need more Iniamution on a IransaUbn d bgl, wme to us on a separate sheet as soon as possible at IhB address fa irpuines shown on the 1roM o1 Inks statement. We must hear Iron you no tiler loan 80 days aser we sent you the 9rs1 hiN on which the error or problem appeared. Vw can tall our Cuslartter Relations number, do doing so will not preserve Your ngMS. In your letter, give us the blbwing Inlormalion: your recto arW acoorxtt rwrriber, the do1Wr arroum d the suspected error, a description d the ertor antl an exparotion. H poszibw, d wRty you believe Thera b an ertor, a it you need more inlomulion, a desMplbn d tlw hem you are UMiUre about. Yw OO f1o1 haVa 10 paY eny 3n1wM Ih gUe6lion while we are investigating K but you aw still d>figated to pay the pans d your bill Thal are rid In question. While Vie invesligale your questbn. we onnd typal you as delinquent a fake any action to tdleM the amount yw grreslbn. I. T Special Rule for Uetlil Cana Purchases N you nave a probem with the quality d propwry or servkes Inal you purchased wNh a credit oM antl yw have Tried in good faith to coneU the probem won the merchant, You rtay nave the right not to pay the rertniMng arrouM due on the property a services. Vw have 1Ms prdeUion any when the purchase price was more than 550.00 and the purchase was made in your home state a wNNn 700 miles d your mailing addess. (M we own or operate the merehanl. a g we mailed you the atlvenfsemeM to the property a services, all purchases are covered regaroless d amount a location d purchase.) Please remember to sign all oortespondence. t Does not aDDN to consumer non<redg ord xtouMs S Cbea rid appty fo business ron-cwair card accounts CaDnal One supports inlarnalion privary proteUbn: see our websge at ,.-... ~aca1_r; Capgat One Is a fetlenNy registered service mark of Capital One Financial Coryoralion. All rights reserved. 02008 Capital One TC-08 O1DM6056 - 1 •04110107 krryarlanl NOtloe: Paymaxsya and bus watx aedad toyaraomxs.sd as b~drvare dsY we reabe it Povdd (1)yw sad art Dawn paNm a ors anranan ab ryas rJwa r. as a~an..d ~adaaxe amAPs eta (z) yo, Parnrs o rao:aw:t a. Poo~ro cues Try ap.m. kT (12 coon Pf). Plssae aaaw at bast kw lS)busvas 6ryshpmbl delvery. Farmers raraired Dy us at sry oar lorsaman ary Mar tarn mry na be ead4ed as d as drywr recrro dwn. Qa h+sr~ drys ae kladaY ham Saesdry, esdr6rg hidaYr. Phase do na vse statso, prPe d'ya, ek. vaan R~^a Yar MPn~ ~'api~ - /what's !n your wallet? LET'S TALK r WE'RE HERE TO HELP. 500009 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital Onea we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. CO ZOUN Capital Onr .Snvinr, Inn. Capital One it a federally rryinrreQ xrairr mark. All rigbrr rrururQ FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,921.79 - $0.00 + $31.65 + $39.00 = $1,992.44 5173.00 Apr. 11, 2008 Feb. 19, 2008 -Mar. 17, 2008 Page 1 of 1 _~-\ Visa Platinum Account 4121.7470-4464.2835 ~/NoHassle Your Account Information REWARDS' TOTAL CREDIT LINE 52,000.00 TOTAL AVAILABLE CREDIT $7.56 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH 57.56 Finance Charges (Please see reverse for imponanl information) Balance rate Periodic Carespondrg FINANCE applied to rate APR CHARGE Purchases 51,942.53 0.05819°6 P 21.24% $31.65 Cash 50.00 0.06367% P 2324% 50.00 ANNUAL PERCENTAGE RATE applied this period: 21.24 Q At Your Service 1.800.9557070 To cal O+sbn~er Relations a b report a bsl or s7oEn card ® Send payments to: Capital One Bk(USA),NA • P.O. Box 10884 • Charbtte, NC 28272-0884 ® Send Inquiries to: Capital One• P.O. Box 30285 • Satl Lake City, UT 84130-0285 For More Information on your Rewards: ~1~ Visl~ww.v.capitabne.comrpoiMSrewards Cat t~00-228-3001 Have a question about a charge on your statement? Please refer fo the Billing Rgh1s Summary on the back of your statement or visit www ca0italone comlasputes VIFNSf e4Y A7 IFAST 1N15 Mi01alT You•'rc I:el:~ir.J Ley Iwo pa}men's. Lat's L=Ib: G ~•xi re barir>3 SrOncial diff~cutlies and can'I make'rour r.:inimhm pa nenl -tae vrarl k-~ help. Lt's weds lo~elrr?o 5rJ a sclulicr~ that w•:rks tc51 ter yolr. %i~.+e us a rali al 1.8iA5`470?0. Rewards Summary Previau available balance: 473 Eamed this period: 0 (rellacls uarrocfons posted during Ihis bilrg c/cp) Available Balance 473 Payments, Credits 8 Adjustments Transactions 1 14 MAR PAS7 DUE FEE ~ ~ Under terms previously disclosed to you, some or a9 0(your Amual Percentage Rates (APRs) have been incensed since your account was past due twice in the past 12 billing cycles. If your rates have already increased, subsequent delinglrencies extended the duratan of the increased rates. Remember: If we receive your minimum monthly payment on lime far 12 consecutive billing cycles, this aaount will be reviewed far a possble return to your Non-Introductory APR. You were assessed a pall due fee because your minimum payment was rat rece'Ned by the due date. To avoid itlis fee in the future, we recommend that you atbw at leash business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO WWYJ.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4121747044642835 17 1992440054000173002 CaPilalQ~~ what's in your wallet?' Account Number. 4121-7470-4464-2835 New Balance Minimum Payment Due Date please print address or phone number changes bebw using blue or black ink. $1,992.44 $173.00 Apr. 11, 2008 Address I'lEASF I'P.YAI LFA51 Homr Hrone Alteinare Phone THIS AF40UNT E-mail address ~ Amount Enclosed Capital One Bk(USA),NA IIIIIIIIIIIIIIIIIIIIII P.O. Box 70884 Charlotte, NC 28272-0884 Inllllnlnlllllnllnlllllnllnlllnlnlnllnlulnllnlll !!900786997952481811 MAIL ID NUMBER HOLLY ROBERTSON 2303 nAYPRE- LN CAMP HILL, PA 17031-5433 ItI IIIIIIIIII IIIIIIIIIIIIIII II IIIIIIII iillllllll 11111 111111 Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. t10LLY ROBERTSON pdt 1. How fo Avoid a Finance CMrge. } a. Grace Period. You will nave a minimum grxe period d 25 Days wllhoN finance charge on new purchases, new balance trar167ers. new special Wrchases end new dher cNrges ii you pay your trial "New Balance', in attordance wish the Impotent Notice for payments bebw, ant in Time for H to be credaed by Your next sUfemeM cbsing date. TMre a ra grace peAOd m cash advances and special treaters. In addition, mere is no grate perkd on any iransadbn H you tlo not pay iM Idal'New bakrtce" b. Axnrirg Finance Gharge. Transadiors whkh aro not subject to a grace period are asseued firunce charge f ) tram tM dale at the transaction d 2) from 1M date the transadion K processed to your Accalnl a 3j from 1M Trst calendar day d tM turtent biging perod. Additiatally, H you did nil pay 1M'TJew Bllanea" Irom tM pevtous billing perod in tali finance charges congnue to axrue to your unpaid balance unIi11M unpaitl balarrca h paid in lull. Thls means Nat you may still owe finance cMrges, even H you pay iM entire New 8alarlce iMkafed on iM 1roM of your statement by IM cexl 5lalemeM dosing date, bN did not tlo so to the prevbus rtrmlh. Unpaid anance charges are added to iM applicable segment d your Account. } c. Minlmrm Finance CMrge. Fa exh billing parlod that your account is subject to a anance charge, a minimum W181 FINANCE CHARGE 0150.50 will ce imposed. h 1M total finance CMrge resuuing Irom iM epplicatbn d ywr peHceie tale(s) is leas Own 50.50, we will sudrad IMt amount iron the 50.50 minmum and 1M dinerence vAll ce bllletl fo IM IaacMSe segrtwM d your account. } d. Tertporary Redudkm b Finance Charge.We reserve tM ItgM to nil assess arty or aN finance charges for any given bllling period. 2. Average Daly Balance gncludNg New Wrchases). Firunce eMrya k takulated by mdlipiyxg the dairy balance d exh aegmaM o1 your axouM (e.g., Wsh advance. Wrchase, speclal trarsler, ant special purcyuse) by IM corresponding deity periodic rate(s) IMt Ms been prevbusty disclosed to you. At iM and d earn day duHrg 1M billing period. we aPdY IM defy peAodk role for exit segment d yea' account fo the Oaly balance d exh segment. Then at lM end of the biding period, we add up iM resuus d These dally cekulatias to antve !1 your perodk finance charge for cant seprtteM. We add up iM results from Bath segment to arrive al the trial perodk finance CMrge fa your account. 7o ga11M defy balance tar each segment d you accduM we fake 1M begbning balance 1a eacA segment ant add any new lransadiora !M arty periodic finance CMrge cekulated on the previous day's Detente for that segment. Wa then suMred any payments a credits pared as d that day that era elbtatetl b iMt segment. This gives us 1M separate daffy celance to exit segment d your attaunt. However, H you paid IM New Balance shown on your previous slatemeM in full (or H your new baance was zero d a credH arrounl), new Irarsadions, whkh pat to your pureMSe a apeaal purchase segments are not added to iM daffy balances. We cakulate 1M average daily balance by adding aN iM daNy Mlances fogetMrand drvWng iM sum by 1M number o11M days In 1M curtenl billkg eyrie. To calculate your total finance charge, muuipy your average dairy balance by 1M dairy penodk rate and by Inc numMr d days in IM billirg paled. Due to rounding on a dairy basis, there may be a slight variarxe Mtween iha calculation and iM amount of finance chage adualy assessed. 3. Annual Percentage Rates (APR). a. TM lertn'Annual Percentage Rate" rtay appear as "APR" on 1M uoM d mu sUterreM. D. It iM code P (Ouarieny PAme), L (Ouarieriy LIBOR). C (OUarieny CD), d S (Bankcard PAma) appears on tM front d 1hK s181emeM next b 1M perodk fate(s), The periodic rates ant earesponding ANNUAL PERCENTAGE RATES may vary quaneAy and may increase a decease based on IM slated iMkas, as fount in TM WaN Sireel Jcemat. plus IM margin pevbusry discosed to you. These charges will be eHeclive on IM first day d your billing period covered by your perodk slatemeM ending in the months d January, April, July arM October. c. n IM code o (MOmnry PAme). F (MOmrAy uBOR), a c (Treasury LIBOR) appears on iM 1rOM d Your stalemeni next to the pericek rale(sZ the perodk rates and conespondinp ANNUAL PERCENTAGE RATES may vary monlhy and may increase or decease based on the salted indkes, as found in TM WaN SIree1 Journal, pbc 1M margin previousry discosed to you. These cMnges will De eHedlve on the first day d yax Oillirg perfo0 exit rnoMh. e. Asseumenl d Lale, OvergrtNl ant Returned Payment Feces. Your atrxwM will be assessed rlo rrore than three o1 1M fees listed Mre Iha1 otter during any bluing period. Under 1M terns d your customer agreement, we reserve iM right to wawa or nil to assess any fees without pda rtotnmalbn fo you vdlhoul Waiving our right to assess the same or simiWr fees at a alter lime. } 5. Renewing Vour Attounf. H a membership lea appears on 1M frwn d your slatameM, you Mve JO days from iM date Isis stalerrwnl was maied to you to avoid paying 1M tee a to nave such lee credited to you n you cancel your xrnunt wNMN Mving 1o pay IM rnambership fee. To centel your addount. yW must notify a Dry talkng our Customer Retafioa Department antl pay Your TJew Balance" in lull (excluding iM membership fee) Prbrto IM end d Hre fhkryeay perod. 6. If You Cbae Your Account. Vou tan request to close your account by rolling our Customer Relations Department. Vou must destroy Your credit card(s) and account access ehxks, Cancel aN preeulhalzad billing arM cease using your account. Aver your request to dose, H you conlirwe b traaad a Oo not cancel pearAhorized billing snangenwnts, we will consider receipt d a charge your anhorizalfon to keep your attount open. Addnionaly, your account wHi nil be deed uMn you pay all amounts you owe us Including: any frarnedioa You Mve auffarized, finance charges, pest due lees, overiimll tees. returned payment lees, Lash advance feet and dry dher lees assessed to your account Vou are responsible fa these amounts vfielMr Ivey appear on your account a17he time you request to clae iM xtdunl a they are Incuned suaequeM to your request fo cbse 1M account. This may result k charges appeanng on your attouM aver you have requesletl IM attWM to M cbsed. 7. Using Your Account. Vour card a xcount wnrot be used in connection wAh any Internet gambling lrsnsaclbns. 8. Notioe Abdul Electronk Chatk Conversion WMn you povide a chxk as payment, you aulhoAZe us eitMr to use b(Omvlbn from Yau(Check 10 make done-lime Hedronk fund irarsier from your bank x<ouM orlo process IM payment as a dletk lransatlitrt. W Mn v.'e use inioRnafiat from your cnxk to make an etectrodc cant Iranster, lands may be wHMrawn from your Dank account as soon as iM same day we rxeNe your payment ant you wiN nil receive Your check bxk from Your financial irtatitulion. BILLING RIGHTS SUMMARY Qn Case d Ertors or dtesfiors aboN Vour Bill) H you think your bill Is wrong, a H you need more iMamatiat an a trans:dbn a but, wine to us on a separate sheet as soon as possible al iM address for k,gdMS sfwwn on iM Ironf d this statement. We must hear Iran you no later Than 50 days aaer we sent you IM hrst bill on vrhictt tM ertor or problem appeared. Vou can roll our Customer Relations number, but ddng so wNl not preserve your AgMa. In your lever, give rrs iM ldlowing inlormatioM your name ant account number. IM ddlar amount of the suspected artor, a deunption d IM ertor and an explanation, H possible, of why you believe there is an ertor, or H you need more infomtation, a description d IM item you are unsure about. You do not Mve to pay any amount in question wMle we are investigefhg K but you are s1Nl oMgated to pay the pans d your bill that are not in question. While we imestgak your questipn, vre cannot repel you as delirpueM a take arty ad'an b celled 1M amount you quastbn. J. T Special Rule for CredH Gab PurcMSes H you nave s problem wish iM quatiy d property or sarvkes IMI you Wrcnased wiN a cretlN card oral you have trled'm good faith fo coned iM poblem wHh the merchant, You may rave the right not Io pay tM remaidng arrtgrmt due on IM properly a services. Vou Mve Iha P+dedbn ditty when iM purchase price was more than 550.00 and the purchase was mxe in your bare sole d within 100 miles of your maiung address. Al we own a operate IM merohant, a H we mailed You IM adveAisemeM la cite properly a serv"Kes, aH purchases are covered regardless of arrtalnl a location d Wfchase.) Please remember to sign all oortesporWence. }Does not apply to consumer non<redn card accounts I Lba. nil appy to business nonlredil card accounts CaOMI One supports bfomution Privacy Drdeabn: see err website al www nouabne can CapNal One is a federally registered service mark of Capital One Finarrial Corporation. NI rights reserved.O2006 Capital One TC-0a OtDM6058 - 1 -Oa/10/07 YnpatantPbaoe: Psymem rya mak roue ni ceae6ree pryer awuniMdate bdnne Wy werecei+e iLP ~~If)Ya ~w~ button prom d 1th aawnax its yar dwik b Oa aMaW raMnaru anuNe ant I2) ywr pspr~ax fareedvadn ar pocrmip abler by 7p.m. ET (f2 mrxt Pl). Pbee abwat Isar e+e(5)brvtssdsys 7pinta defvery. Prrrwtls recavMgrsa try oAr kaaamah ayalM Icrrri m ~ nil be otdkd as d the dry ve rxdre awrl.Ou bdiaas days ore Mwaay arwryi Sswd ~. «dv3g Ixsdsys. Pleae do nil use ae[b, prpa rip:, dt afim PF~9 Yw prymatl 500016 ~>>> psssr... Capital One" does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and to manage your account online. , Capit j/ wn,r•x m yon...-,u..i FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,992.44 - $700.00 + $24.00 + $0.00 = $1,316.44 $39.00 May. 12, 2008 Mar. 18, 2008 -Apr. 17, 2008 Page 1 of 1 ruASr tar AT lust rrK nnlourn Visa Platinum Account 4121.7470.44642835 ~/NoHassle Your Account Information REWARDS TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $683.56 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $683.56 Finance Charges (Please see reverse for important information) Balance rate Periodic Correspondng FINANCE applied to rate APR CHARGE Purchases $1,468.98 0.05271% P 19.24% $24.00 Cash 50.00 0.05819% P 21.24% 50.00 ANNUAL PERCENTAGE RATE applied thh period: 19.24°/. Q At Your Service 1-8W-9557070 To cal Customer Rebtims or b repoA a bsl or sbkn card ® Send payments fo: Capital One Bk(USA),NA • P.O. Box 70884 • Charbtte, NC 28272-0684 Send Inquiries to: Capital Orxr P.O. Box 30285 • Satl Lake City, UT 841;10-0285 For More Informa0on on your Rewards: \'1112 U~t: w,vN.apitalx>e.mmlpantsrewards car 1-004228-3001 Have a question about a charge on your statement? Please refer 101he Billing Rights Summary on the back of your statement or visit www caoifalone.com/dsiwles Rewards Summary Previous available balance: 473 Famed this period: 0 (relbcts Vansxlidrs posted during this bi{ng ~cb) Available Balance: 473 Payments, Credits 8 Adjustments 1 19 MAR PAYMENT `~ ~ 2 10 APR PAYMEIJT 5200.04 Whether yogi re in the market for a home equity loan or you're interested in refinancing, Capital One will find a home loan solution to fit your needs. We otter great tales, no bidden fees, and you will receive the one-0none attention of the same personal loan consultant from caR b close. Visit www.capiialonehomebans.com for more informaton. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ONTO NNJW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4121747044642835 17 1316440200000039008 CapitalQr~• wna, I in your wau.r.. Account Number: 4121-7470-4464-2835 New Balance Minimum Payment DUe Date Pease print address or phone number changes below using blue or bWac ink. $1,316.44 $39.00 May. 12, 2008 Address PLEASE PAY AT LEAST Home Phone A/ternate Phone THIS AMOUNT Eanai/addiett ~ Amount Enclosed Capitat One BkrUSA),NA llII111IIIIIIIIIIIIIII P.O. Box 78864 Charlotte, NC 28272-0884 IrI111nInII111ni1n11111n11nI11nlulnllnlnlnllnl p9010969979524811/1 MAIL ID NUMBER HOLLY ROBERTSON 2101 rIAYFRED LN CAMP HILL, PA 17011-5433 u1111n1111nnnllulilrlllnlnlnlln1111llnnnllllli Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. ~- R quick glance at ~ what Capital One can do for you. Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Whether it's braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone.com to learn more! Capital One Bank (USA), N.A., Capital One, N.A., Members FDIC. rm I, 1. How to Avoid a Finance Charge. t a. Grace PerioQ Vou wNl have a minimum grace period d 15 days wNnoul finance charge on new purchases, new balance transfers, new special purchases end new dher cherpes N you pay your fast "New Balance', in accordance with the Important Ndke 1a payrlwms Debw, and in Time 1u N to be credtted by yow next slalertam coring date. Thera a no grace period on rash advances ant tpecial transfers. In addition, (here is no grace perod on any transadion it you do rat pay the [dal "New balance" b. AccNbg Finance Charge. Transadiorx which are rid sulryect to a grace period are assessed Ikunce charge 1) from the dale d the transxlion a 2) from Ina date the transadvm Is processed fo your Accaunl or 3) Yom 1ne Tint calerWar day d the curteM billing period. AddNionally, N you did rid pay 1he'luaw Balance" Irom the previous billing period In toll, finance tnarges continue to acwe to your unpaid baance untN the unpaW Wlance Is paid In 1w1. TMs meant that you may still owe finance charges. even H you pay the entke New Balance intliraled on the Iront d your slalemeM by the next stalemeM closing Gate. bN did not d0 so la 7M previous month. Unpaid finance charges are added Io the applicebla segment d your Account. t t. Minimum Finance Charge. For exh billing perod that your xwunt is subject to a Tnance charge, a minimum toUl FINANCE CHARGE d 50.50 witi DB imposed. 111he '~i total finance Charge resulting from the applkalion d your '. periodk rate(s) a less than 50.50, we will sublrad that amount from the 50.50 minlmum and Ina dNlerence will be Nlled to the purchase segmem d your account. T d. Temporary Rrsdudbn m Finance Charge.We reserve the right to rid assess any or all fnance charges 1a any given billing period. 2. Average Daly BaUnce (Including New Purchases). Finance charge Is cakulated M' muttlprying the dally OaWnce d exh sagrreM d your atcouM (e.g., cash advance, purthese, special transfer, and special pwthase) by the cortesponding dairy penodk rotKs) that has bean previousry diubsetl to you. At the end d each day during the billing period, vre apply the daily perbdk rate for exh segment d your attouM to the daily balance o1 each segment. Then at the end of the NNirg period, we add up the results d these daly caltulalkns b aMVe al your penodk anante charge for each segment We atld up the carobs tram eetn segment to artive el the Idol penod'K finance Charge Ia youf account. To get the dairy balance Ia each segment d yow account, we fake the beginning balance for exh segment ant add any new fronsadions and arty pe~c finance Charge celcuWted on the previous day's balarva for that segment. We then sublrad any payments a uedtts posted as d trial tlay that are alMxatetl to trial segment Tnis gives ua the separate daf y balance tar each segment d yow account. However, N you paid the New Balance shown on your previous statement in fuN (or H your new balance was zero a a credtt amoum), new trarlsadiars. whkn post to YWr purchase a special purchase segments are not added Io the daly balances. We cekWate the average daly balance by adding aN the daily balances together and divldap Ina sum Dy the number d the days In the torten[ billing rytle. To calculate your [dal anance charge, munipy your average Dairy baWrue by Ina dairy periodk rate and by the number d days in Ina billing period. Due to rounding on a dally balls, there may be a slight variance between 1hls cekuWlbn arW the artqunt d finance charge adualy assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as "APR" on the Vont o1 this slalement b. If the code P (Guaneny Prime), L la,aneriy LIBOR), C (OUaneny CD), a 5 (Bankcero Pdme) appears on the IroM d this statement next b the periodk rotels). the pertodk rates and corresponding ANNUAL PERCEMAGE RATES may vary quaneM and may Increase adeuease Wled on the sUled indkes, as round in Tna Wall Street Journal, plus the margin prevausry disclosed to you. These changes wAl be ededive On the first day of your billing periotl covered Dy yow periodk statement ending in the monlAS o1 Janwry, April, July and r7clober. c. H the code D gdonthy Prime). F (Monthly LIBOR), or G (Treasury LIBOR) aDDears on the front d your statement nail b the perlodk vale(s). the Denodk rates and conesponding ANNUAL PERCENTAGE RATES may vary monlhry and may increase a decrease based on the stated indices, as tountl in The Wall Street Journal, pWS the margin previousry disclosed to you. These changes will be eHedive on the firs) day of your Dllltng period exh month. d. Assessment d Late, Ovenirtal ant Returned Payment Fees. Your account vriN be assessed no more than three of the fees listed here Iha1 ocour during any Mlling pedod. Under the [amts o1 your customer agreement, we reserve the right to waive a rid fo assess any lees v1i111oN prior no1H¢atbn to you wNhoN waiving our right to assess Ina same or sirtdlar tees aI a Wler time. t 5. Renewing Your Aaounl. H a memberehlp fee appears on the Iron[ d your statement, you nave 30 tlays from the date this statement was mailed Io you to avdd paying the lee or b have such fee uedNed to you N you cancel your xcouM wNhout having Io pay the merroership fee. To cancel your actouM, You must notify us by tailing our Cuslomar ReWtiats DepanmeM and pay yow "New Balance' in 1NI (extludirg the membership lee) prior to the end d the Ihiryday period. 6. H Vou Cbse Vour Attount Vou can request to able your acoounl by calling our Custorrer Deletions Department. Vou must destroy yOUf credN cerd(s) ant account afters chxks. cancel alt peaNhonzed billing and cease usirq your accarM. ANer your request to dose, N you cominue to 4ansacl a do not cancel preaulhonzx Nllirg artangerreMS, we will consider recaipl d a charge your aulhonzation to keep yaw account open. AddNionalry, your atcoum will rat be dosed until you pay alt amounts you owe us Including: any Iransadiorts you have awhorized. gnartce Charges. pall due fees, ovedirtwt fees. relume0 payment fees. W 5h atlvence lees and any dher fees assessed to your account. You are responsible 1a these amounts whether they appearon your account al the time you request fo close Ina accoum or they are Incurred suMequenl to your request fo cbse the account. This may result In charges appearing on your account ameryou have requested the account to be Nosed. 7. Using Your Acwunl. Vour cant a xcount Wnrgl be used in connection won any Inlemet gambling framxtiorts. 8. Nolita About Eleclronk Check Conversion When you Drovide a check as payment. you awhorize us eNher to use blomullon from yow check to make done-time elxuonit turd transfer from your Dank account a Io process the payment an a chxk Irarlsauidn. When w'e use information llan your [heck b rtmke an ekclronk fund tronster, hinds may be vdlntlrown Dom Your Dank accoum as soon as the same day we reteNe your payment. and yW wi0 not rxeive your ctlxk back from your f runclal inalNWion. BILLING RIGHTS SUMMARY pn Case d Enors or drestiore about Your BiN) If you thbk your blll is wrong, a it yW need more iMOrrtulion on a transadltn or bill, va11e to us on a separole sheet as soon as possible at Ina address Ia Inquiries shown an the 1roM d this slalertlent. We mull hear from you rb later than f>0 days aaer we sent you the first hill on which the ertu a Droblem appeared. Vou ran ceN our Customer Relations number, but doing so wNl rid preserve your rights. In yWr fader, give us Ina 1dbWfrlg infortretion: yow name and accauM number. the ddWr amount d the suspxted error, a aesuiplbn d HIe ertor and an explanation. N possible, d why you believe there n an error. a N you need more iMOmulion, a desuiptbn o11M Nam you era unsure aboN. You do rid have b pay arty amount in question wN4 we are investigating N, but you are slip oblgsfed to pay Ina pans d your bill that are not in question. While we investigate your question, sve pond repod you as deltnpuenl a lake any action to collet) the amount you presfkn. t. t Spxal Rub tot CredN Card Purchases I1 you nave a prdllem whh the pussy d property or services Ina[ you purMaaed with a uedN card and you have toed in good UNh to cared the podem wNh the merchant, you may nave the ngM rid to pay the remshing amount due on Ina propery a servkes. Vou have this profettion dny when trw Durchase pace was more than 650.00 arW the purchase wx rrace in your home stale a wNNn 100 miles d your mailing address. (11 we own a oparole the merchant, a N we mailed you the advenisemenl to the poperty a danker, all purchases are covere0 regardless of amount a bation d purchase.) Please remember to sign all cortespondence. t Does not aDPN to consumer non~retlN card acwuMs t foes not app!)' b business ran~redif vM accounts Capital One suppal5 Information DrlvacY Drded'an: see our websNe a1 yyypyggphabne.com Cap~l One is a federaly reglatered service mark or CapNal One Ftnantial Corporalbn. All rights reserved. 01006 Capital One 7Cd6 O7 DMGO56 - 1 -04/7 0107 YnperWlNafoe: Psymexs you marbvs Mix aeaed bYeaacaaas as dthe Ousnas dry rre reuix tt, paided (1)Yo+senth boaen patiel d ail stabmm aik yes dwdt n 9rc adwad rmanexx etrdNs and (1) yw payiiwx's rvodved'n w paeaip cane by 7 p.m. ET (71 host PT) Please aroa el least Me (s) dQesr days kr poAal deevery. Psymna rerde4 D!' us at mY date kioion a h any aria krm mry rim M oedNe4 ss d Ica dry car rrrdve Mm. Ov dmness days ee iMbay hough Saaray, eadu3g hddays. Pksse der viol usealapes, papr dDa etc Men paring ps pa;,mnt 6.28% AP R* SOD2D5 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for aFixed-Rate Mortgage, and most of your options will have a similar rate. But here are some of the ways that Capital One' Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. call toll free: 1-8U0-760-2493 or visit www.capitalonehomeloans.com Mon.-Fri. Bam-8pm; Sat. tDam-tpm EST Reservation Number: 5058 042 026 9093 AUxeniad u,ntul I,rrcanuge «te i> ctrcai,•c as of 03724/2006 and subjat to ehan}2 a! any lime. N'R is Lax:J un gaud cndi! Lowry, 5203,280 loan anx,unc, 80Th eombineJ • Iran-ro-+alue ratio and a 30-year fixed-ra,c firs!-lirn mortgage. Mo,nhly paymrnr fix this example is S I ,256. Additional ,ermx and recrriainnc apply. ('apical One n an 6pu1 Routing L.ndcr. Snc rcvuse for additional intlx,nam infnnnuinn. CepfTal lOYAI aWLMG LENDER Home Equity loans ( Mortgages I Refinancing ~ Debt Consolidation Hu,neLu>~. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,316.44 - $50.00 + $20.69 + $0.00 = $1,287.13 $38.00 Jun. 11, 2008 Apr. 18, 2008 -May. 17, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.44642835 /NoHassle ~ Your Account Information REWARDS- TOTAL REVOLVING CREDIT LINE $2,000.00 TOTAL AVAILABLE REVOLVING CREDIT $712.87 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $712.87 Rewards Summary Previous available balance: 473 Eamed this period: 0 (refbcls trxtsactions posted during this 6ifrg ctcp) Available Balance: 473 Payments Credits & Adjustments 1 07 MAY PAYMENT X0.04 Finance Charges (Please see reverse for imporianl information} VJhether you're in the market for a home equity loan a you're interested in refinancing, Capital One will End a Balance rate Perrodc C«respondng FINANCE home ban sdution to fit your needs. We offer great rates, no hidden tees, and you witl receive the one-onone implied to rate APR CHARGE atienlion of the same personal ban consultant from all to close. Visit www.capitaloneYamebans.com to more Purchases $1,308.17 0.05271% P 19.24% $20 8g information Cash $0.00 0.05819% P 21.24% 50 00 . ANNUAL PERCENTAGE RATE applied this period: 19.24 Q At Your Service 1-800.955.7070 To cal Cushman Relations « b repoA a bsl a sbFn card ® Send payments to: Capital One Bk(USA),IJA • P.O. Box 70884.Oarbne, NC 28272-0884 ® Send Inquiries to: Capital One P.O. Box 30285.5aM Lase Cdy, UT B4t300285 For More Information on your Rewards: Hlr'r Ursit: ymw.capilebne.oomlpointsrewards CaL t-804na3oot ® Have a questbn about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement a visit www caoitalone canldsputes PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ONTO VJNNJ.CAPRALONE.COM TO MAKE YOUR PPYMEM ONUNE. 0 4121747044642835 17 1287130050000038002 Capital~• ~ wha,•s.n,~~rv~aue,r New Balance Minimum Payment Due Date $1,287.13 $38.00 Jun. 11, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed (~~ Account Number: 4127-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone F-mail address 119013969979524818q MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYPRED LN CAnP HILL. PA 17011-5433 Capital One Bk LUSA),NA Illrtlrtr llrllrrrrllrl P•0. Box 70884 Charlotte, NC 28272-0884 InltllNlurlrllurlultlllntlnltlnlnlnllulnlnllnrll lnllltnlllnnnllntlltlt~nlnlnllntl Itllnnnlltln Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail wRh this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $140 per month.' * Inver avenge mon[hly paymcn[ claim based on first month's payment on non-purchase loans, exchdive of closing cows, [ha[ dosed betwttn 07!01/07 and 12/311/07. Ac[ual Imvu paymcn[ may vap'. Waking ou[ a home equity )tun or line o(credi[ may increase the mnl amount paid when compared Io your currem zimmion. In some erases, rchnancing to pay o6 existing deb[ may extend chc reran of the deb[, possibly resulting in higher ovrorall costs and increasing nc~ rota! amoum paid when compared ro your CV rrCnl 51[LLnlinn. Offer imm~ded for qualified applicants only Nor all loan products nr !arms arc awilabk in all etams.'I'he actual dosing rimes nuy vary based upon rhr sn[e in which [he prnp<rry• is Incaud. Loans subjtu In ender Opprovul.'hhis dues nor reprcxnl an olkr m cnmr imo a )tun agrceman. liar~~ and [cans suhjen to change wirhuul notice. !'rodr.rn miry servira offend by Capimf One Hoax loner, /.1.C CO 2003 Cayird(Our. Grpiul Une it a fi~rmlly rgisund nrvire urnrk. AJl rigbrt mterrxd. Home Equity Loans ~ Mortgages ~ Refinancing ( Debt Consolidation tax 1- 1. How to Avoid a Finance Clurge. T a. Grace Period. You wNl have a minirtum grace pencil of Z5 days wHhoul Tinance tnarge on new purchases, new balance Transfers, new spatial purMases and new doer cnargas n you pay your teal "New Balance", in accordance wHh foe Important Ndke id payments below. and in time for it to ce trail"nail try your next slalernenf cNSSing date. There rs ro grate period on cash advances orb special Irareters. In addkion, there is no grate period on any llansattion H you do n01 pay The total'New Defence." b. Accruing Finance Charge. Transadiors Which are not subject to a grate period are assessed finance tnarge t) born the date of the Irarsxtion d 2) from the date Inc transattbn is processed to your Account d 3) Irom the first calendar day of the curtest billing pencil. Additionally, H you did nil pay the "New Balaixe from the previous billing perod in 1uN, finerae Charges continue to xcMe to your unpaltl balance until the unpaid balance is paid in lull. This meare Mal you may still owe finance charges. even H you pay the entire New Baance iMkated an the IroM o1 your slaterrenl Dy 1he next sUlemeM tbsing date, Due did not do SO fa the pevious rMnln. Unpaid firunce charges are added to the apPlkade segnlerX d your Account. T c. Minknum Finance Charge. Fa each binMg pencil That your accd,m is subject to a finance charge, a nanlrnum total FlNANCE CHARGE d 50.50 will f>e Imposes, h the local finance tnarge retuning from the applkation d your penodk tale(s) is less than 50.50, we will sldaratt foal amount Iran the 50.50 minimum and the difference will ca billed to the purchase segment d your account t d. Temporary Reduction in Finance Charge.We reserve the nght to not assess arty or all !nonce cMrges la any given billing period. 2. Average Deily Balance pncWding New Purchases). Finarae charge h talculaled by muaiplying foe dairy Daunce d each ragmen! d your account (e.g., cash advance, purchase. spade! tarsfer, and special Wrchase) by the cortesponding dairy perbdk rate(s) that has been prevbusry discksed to you. Af the eM d each day during the biXing pared, we apply the daffy perbdk rate for eacn segment of your account to the daffy balance d exn segment Tien at the end d the billing pencil, wa adtl up the resuXS of These dally cekub/ias to aMve at your perlosk Iinance charge for cant segment We add up the resuns from each ragmen! to arltve at the trial periodk finance charge la your atcouni 7o get the doff y balance fa axh segment of your account. we take the beginning balance 1a each segment and add any new IransaUkrs ant any taerkdic finance charge cakulaled on the previous day's balance for that segment. We then suaratt any payments a tradHS posted as d tool day toot are allocated to toot segment. This gives us the sepemte daily balance fa axh segment d your account. However, H you paid the New Balance snows on your Drevbus slalernem In full (a H your saw balance was zero a a dedN amoum~ newtransaclions. whkh post fo your purchase aapecial purchase segments are not added to the tlairy balances. We calculate the avenge daffy balance by adding aN the OaNy baances together and Oivlding Ise sum by the number d the days In 7ne cuneM billing cycle. To calculate your to1a1 Tinance charge, muitipy your average daffy balance by gte dairy pedodk nee ant by the Member d days In the Mlling period. Oue to rountling on a daily basis. there may be a slight valance between this calculation and the amoum o1 finance charge attually assessed. 3. Mnual Percentage Rates (APR). a. Tna term "Annual Percenlaga Rafe" may appear as "APR" on the tram d this stafernent b. It Inc code P (ouaneny Pnme). L (OUanerly LIBOR), C (OUartedy CD). a 5 (Bankcard Pnme) appears an the Iron) of foes statement next to the perbtlk rate(s), the periodk rates and conesponding ANNUAL PERCENTAGE RATES may vary gwnelly and may increase a decrease based on 1M stated indices, as found in The Watl Street Journal, plus the margin previously discbsed to you. These changes will be effective on the Tirsl day of your oiNing period wvered by your penodk atatemenl entling in the months of January, Apnl, July and October. c. H the coda D (MOnIMy Ptlme). F (MOnMry LIBOR). or G (treasury LIBOR) appears on the front d your stafemenl next to the periodk rate(s). the penodk rates and cortespoMing ANNUAL PERCEMAGE RATES may vary rtpMhy and may increase a decrease based on the stated intlkes, u found in The W all Street Journal, plus the margin prevously distbaed so you. Tracts charges will De effective on the nrst day of your dllirg parka exn month. d. A55essmenl M Late, ovenatNl ant Relunred Payment Fees. Your accolxlf wiU DB assessed ra more than three o1 the tees lifted here that occur during arty fsNXng parka. Untler the lams of your customer agreemem, we reserve the right to waive a rat to assess any tees without pna Ia1iTKalion to you wihout waiving our right to assess the sans or skMWf fees at a liter time. f 5 Renewing Vour Account. It a mertbershiD tee appears on Inc rrom o/your statement, You have 30 days born the date Mir Snlemenl was mailed to you a evold paying the tae or to nave such Ix ued'ned to yw H you cancel your a<count withod having to DaY tM rrlerMership tee. 70 ante! you account. you mull notiry us by smog our Customer Relations DepaHment arM DaY Your"New Balance' fn runt (excluding the rnerri6ership lee) Drid to the Brad d the Ininy~ay perod. 6. 11 You Cbse Vour Account. V W tan request 1o Uose your account by talGrg our Customer Rdatiors Depanmenl. Vou rrxrst destroy your credit and(s) and xcouM atte55 checks, cancel all preaNhodzed billing ant cease using your account After your request fo close, H you Continue fo trarsaU a do rat carxxl preaulhonzed billing artangements, vre will casider receipt d a Marge your aNhonzalion to keep yow aCCa1M open. AddHionalry, your attounl cam not be closed unto you pay all amounts you owe us Including: arty Irarfsattims you have aulhonzad, finance charges. past due fees, ovedimN tees. relurtred payment lees, cash advance leas and arty other tees assessed 10 your aaoum. You are tesporeiDte Wr these amount whether Rfey appear on your account at Me time you request to case the attounl a they are IncurtM subsequem a your request to Uose the account. Thh may rerun In Merges appeanrg on your account aver you nave requested Ise accoum to Ica Uosed. 7. Usilg Vour Account. Vour cartl or xeoum cannot be used in connMion wHn anY Internet gambling frarextbns. a. Notice About Elecironk Cheek Conversbn When you provide a chxk as Daymenl You suHadze us either to use inlomalion from your check to nuke acne-lime electronk fund transfer from your Dank account a to process the paymcn! as a check transadion. When cap use Mlamution from your cnetk to make an elettronk tulW Ilanslar, lunar RLry be vdlhdnWn 7rOm yOUr bank eCCWM as soon as 1M came day we rxerve your payment, and you will not receive your check Deck from your financial kstHUlion. BILLING RIGHTS Sl1MMARY (In Case d Ertors a Oueslions Ghoul Vour BiN) H you think your del n wrong, a H you need more inbrmation an a Iransattbn or bill, wnN to us on a separate sheet as soon as possible al the address for irguirles shown an the 1ron1 d Mir slalemem. We must hear from you no later Nan ra0 days after vie tern you the Tirsl del on whkh the ertor or problem appeared. You can call our Customer Relation number, but doing so wNl not preserve your ngMS. In your kHer. give us Iha knovarg 'nkrrtution: your name and accoum number. fta ddWr amoun) d the suspxfed erta, a tlasMption d the ena and an explanation, H possible, of why you beleve there is an ertor, a H you need more iMOrmatbn, a description o1 the item you are unsure about. Vila tlo not have to pay any amoun! in question while we are investigating ti bN you are still od'gated to pay the pans d Your Dill that are nil In question. WMIe we investigate your queslbn, we wnrat repoA You as delinquent or fake any action to Collett the amount you question. 2. t Special Rule for CredH Lard Purrhases If you have a problem with the qualtly d property a services that you purcna5ed with a CredH card and you nave tiled In good taHh to correct Me probem with NIe merchant, you may love the ngM rat to pay the remalning artaunt due on the propery a services. You have !his prdedbn Dray when tfu Wrchase price was more than 550.00 and the purchase was made in your home stale or wffMn 100 rtlles d you mailing address, gl we own or operate the me2ham, a H we malted you the adverlisemenl to the property a tanker, all purctuses ere cavere0 regaroless d arnouM a Iocalbn d purchase.) Please remember to sign all tortespondnae. ?Does not appty to consumer noncredit card accounts 2 Does rail appy to twsiness none mil ant accounts CaDilal One supports inlorrNtiOn privary prdettion: see our webSHe al wvvw caoilalone.com Capital One is a federaly registered servke mark o1 CaDNaI One Financial Coryaation. All ngMS reserved.02006 Capital One 7CdB 01DM6056 - 1 -Oa/10p7 YnpeWlNOloe: PsymerasywmatauswilDeaedredmyararmsdndorebldnessdayrereaNeRpwided(7)ywsentle bonan palm d des statenen ant gar dreA n lr eldoved reminsxe envlape end (g) )~ faY~ b reaiv d'n w pac®rq smlat g3p.m. Er (tz non Pt). Plisse alox al kaa M(5)brrtss drys far poste ON+rry. Pymeds reahM Dy us st err otw kralmalr en ol~ te,n may nor be ae6IM u a lK d r ws rrctx lien. tar carnets d+f, se nlmdey l.wyr savoy. «dudng namye. Pleae m nor use super, WPe rips, etc .arm Ixeprig your WYme2 500008 Capi~ in yourwal/et? It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. MOLLY ROBERTSON Keeping your credit in good standing can do a lot more than you think. WHOOPS ~ GOOD CREDIT =GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) ~ ~ - ~ IMPROVED CHANCES TO GET APPROVED fOR LOANS (when you want to buy a home or new car) ~ ~ Waiting on your tax stimulus check-and looking for a smart way to use it? Pay off your debt and help bring your Capital One account back to good standing. r0- 2rXIH Cnyiiral Onr.Servirra, /uc. Carnal Our it a frdrazlly rrXistrrrd rrrvicr nwrk. 1111 ridlitr rerrrved. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,287.13 - $0.00 + $21.34 + $39.00 = $1,347.47 5111.00 Jul. 12, 2008 May. 18, 2008 -Jun. 17, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.44642835 /NoHassle ~ Your Account Information REWARDS" TOTAL REVOLVING CREDIT LINE $2,000.00 TOTAL AVAILABLE REVOLVING CREDIT $652.53 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $652.53 Finance Charges (Pk;ase see reverse for important information) Balance race Periodic Correspondng FINANCE applied to rate APR CHARGE Purchases $1,306.18 0.05271% P 19.24% $21.34 Cash 50.00 0.05819% P 21.24% 50.00 ANNUAL PERCENTAGE RATE applied this period: 19.24 'You're Lphind Mtn cne papmeri. P,ernemlxr Ihai payir:J the mir;imum r:aym:;n! try Ilk due date keeps yccr acceunl currenl. 5~, ma:.e sure yc~u send in the minimum r Rymer.; io kct~p y air a.:couni currenl. "Important IJofice" Under the terms we prev'ausly disclosed to you, your account is now el'gble for an irlaease in Annual Percentage Rates (APRs) effective immediatety. However, Capital One has elected not to raise your APRs a1 Ihis lime. Please be adv'aed that it you fail to keep your account in good standing, Capital One reserves the rghf to raise your APRs in the future. Rewards Summary Previous available balance: 473 Earned this period: 0 (rel6cts tra~l~ts posted during this biing cWp) Available Balance: 473 Payments, Credits & Adjustments At Your Service 1-800.9557070 Transactions 4 To cat Custorrwf Relalims a to report a 1x1 or stolen cad 1 11 JUN PAST DUE FEE $39.00 ® Send payments fo: You were assessed a past due fee because your minimum payment was not received by the due date. To Capital One Bk(USA).1JA • P.O. Box 70884.0'iabtle, NC 28272-0884 avoid Ihis tee in the future, we recommend that you albw al least 7 business days fa your minimum payment to reach Capifal0ne. ® Send Inquiries to: Capital Orr P.O. Rox 30285 • SaM Lake oty, UT 84130-0285 For More Information on your Rewards: YN`~' Visit wxx.capitabne.eaNtnintsrewards cat I-800.228.3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www taoifalone com/ds fes PLEASE RETURN PORTION BEEOW WITH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. CapitalQ~• I ~,ha,•r in roar w,ue,r 0 4121747044642835 17 1347470050000111000 New Balance Minimum Payment Due Date $1,347.47 $111.00 Jul. 12, 2008 I'Lt;.SE I'AY AI LFA51 THIS AF4OUtJ1 Amount Enclosed Capital One Bk(USA),NA Irlrrlrrrllltltrrlrrll P.O. Box 70884 Charlotte, NC 28272-0884 Inlrllnlnrlrllnrlnltlllnrlnlrlnlnlulln~nlnllurll Account Number: 4121-7470-4464-2835 Please pint address or phone number changes below using blue or black ink. Home Phone A/remote Phone £•mai/address @ N9017069979524813t1 MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYFRED LN CAI1P HILL, PA 17033-5433 nrlllinlllnnnllnrlirlrlnlnlnllnrllrllnnullrln Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. t. How to Avoid a Fkuance Charge. a. Grace Period. You will have a minimum grace period d 25 Jaya without finance charge on new purchases, new baance trailers, new special purthasx and new other chagx A you pay your tdal'New BaWnce', in aaordance with iM ImpoAaM Nake for payments bebw, and in time 1« h to be aedned by ywr paYmenl tlue date. There is ro grace perfotl on cash advancx and spxlal transfers. In addAion, mere Is no grxe peAOd on any lransadion A you do not wy the Idol `New Balance" b. Aocnring Finance Charge. Transactions whkh are not subJxl to a grace period are assessed finance charge 1) from the Bale of the uansadbn or 2) from the dale aw vaxacilon is praesse0 to your Account « 3) from the first calendar day of the cunent billing period. Additbnally. M you did not pay 1he'New Balance" from the prevbus bilNng peAOd in full, fnance charges Continue 1o acaue to your unpaid baronce until the unpaid balance is paid in Cult This means that you may a1N1 owe Bnance charges, even n you pay the entire New Balarrca indicated on trle Iron) a your statement by the payment due data, but did rid do so for the previous month. Unpaid fnarlce charges are added to the appknable segment a your ACCwM. c. Minimum Finance Charge. For exh billing peAOd that ywr account k subject fo a linarae charge, a rmimum Idol FINANCE CHARGE of $0.50 vriN be imposed. d. Temporary Reductbn M Fharae Charges. We reserve the right to rat assess any or aN fnance charges for any given billing period. 2. Average Daly Balance (Including New Purchases). Finance charge is cekuWtM by munipying Irq defy baWnce d each segment of your attounf (e.g., cash advance, purchxe, special IrornW, and special purchase) by the cortespmding daily peAOdic rate(s) that has been geviousy disUOSed to you. At Ira eM of exh day during the billing period, we appry the risky perkdk rare for each segment o1 your account to the defy bel8nce d exh segment. Then at the end d the billing period, we add up the rxu8s d these dairy cakuktions to shwa at your pnrlodk gnartce charge for each segment We add up the reruns from each segment to aMve of the total peMdk finance charge for your account. To gat the defy balance t« exA segment d your accoum, we lake the beginning balance fa each segment and add arty new trartsactkrls antl any penodk finance charge cakdaled on the previous day's balance I« Ihal segment. We then auWact any payrrenls or «edNS posted as d 1ha1 day that are albtaled to that segment. This gives us the separate daffy Wlnnte for each segment d your account. However, H you paid the New Balance shown on your previous statement m fun (« n ywr new balance was zero a a credN arlouM). new traraadions, which poll to ywr purohase or special pWthese Segments are not added to the daffy balantx. We pkulata the average daily balance by adding all the defy balances logem« ant Dividing the sum Dy the number of the days In the wreM Mllirg cyde. To cakulafe yarn total fnance charge, munipry your avenge daffy balance by the tlaily periodic rate and q'the number d days in the filling periotl. Due 1o rounding on a daily basis a due b minimum finance charge xsessmeM, there may be a vadante between this cekaatbn and me amount a tinarxe charge actualry assessed. 3. Mnuat Percentage Rafez (APR). a. Tne Term "Annual Percentage Rafe" may appear as'APR" on the front d firs Statement. b. If the rode P (Ouaneny PAme), L louaneny LIBOR). C (OuaAeAy CD), « 5 (Bankcard PAmej appears on the InaM d this statement nail to the periotlk ale(s), the periodic roles and cortesponding ANNUAL PERCEMAGE RATES may vary quaneny ant msy Mcrease a deaease based m the slaled'rndices, as fount in Tree Wall Street Jwmal, plus the margin previousry discbsed to You. These changes will be enedive on the first day of your bilkng perod covered by Your periodic stalenlen7 ending in the months of January. ADAI, JWy ant October. <. H the code D (MOnthy Prime). F (Monthly LIBOR). or G (Treasury LIBOR) appears on Ine front d your statement neat to the penodk tale(s), the peAOdic rates ant cortespontlirg ANr WAL PERCENTAGE RATES may vary nanthly 3M may InCfeBSe «deCleaae base0 On the staled indkx, as found in The Wall Street Jwmal, pills the margin Ixevkusy discbsed to you. These changes will be enxtrve on the first day o1 your biping period cant month. a. Asaessmenf of Late, Overamil and Returned Payment Fees. UMer Ine fame d your <UatOnM! agreement we reserve Ine Aght to waNe a not to assess any lees witltolrl prior ndifltalion to you wahoW waiving our AgM to assess the same «similarlees al a Islet Ilme. 5. MertAershlp Fee and Renewing Vow Account 11 a membersfrip tee appears on Ibis sulement, vve wig credit the lee N you request to cbse your account whnin 30 days d the mailing d this statement. Vou may continue to use the account duAng tM 30 day peAOd before your request If yw do not pay aH charges owed on this account with In 90 days, « d you use your credN card a acewm aver you request to close, any membership tee previousy waived may ce artefact 10 ywr account. 6. Cbsing or SuspeMinp Your Aooount. You may request Ihet your account be closed by calling a rmiling our Customer Relatbns DepaAment. At 1M time d your request. we wNl Dravida you wAh addAional delalls al tlosrtg your actwnl. This maY InclWe paYtnent inktmtation. tl you use your credo card « W rges post to your actouM after you ask us to close your xcdrnt we tan keep your account open « reopen h. We may ckse or suspeM your account and your right l0 obtain credit. We may do lrws at airy time ant to arty reason, even N you are rid in delaun. A suspension a your account can ce permanent «lemporary. R your account is ckzed « suspended. you must atop using yam credo card arW account. You must also wrael aN preaNhoAZed billing arangements to the account. We will rat do 1nh Tor you. r we case or pemunenlry suspend your acccunl, You muss also tleslroy all credit cards ant aCCwM access checks. You must still pay all amounts yw owe us on the account. even N they Ware Charged BnBf ywr ettwnl ks Closed « suspended. T. Making Payments. Payments you meN to us will be credited to your account as d the business day we receive X, iNOVided (7) yw sent the bon«n p«Ibn d this slaterteM and your chile in the enclosed reminance envebpe and (2) ywr payment is received in car procxsing center by 3pn ET (12 noon PT). Please allow at least five (5j business tlays for postal detivary. Payments receNed by trs at arty other location or in any dher forth may rid be credied as a the day we receive them Our business days are MorWay through b. Nofioe ADOW Eleclronk Check Conversion. when you provide a check x payment, you aNhorize us either fo use inlomulbn from your check to make a ono-time eledronk furW transfer from your deposit account «to procxs the payment x a check Vansatli«t. When we use Information from your check to make an eledronk fund transfer, Weds may De wAhdravm from your deposit account as soon az the same day we receive your payment. end you will r10i retelVe yowl check back Irtm your financial irKihaion. Your alnrodzation is not limited by the tlale on the chile. We may resubmit and eledronkaly coned refumed payments. g. BankruDtry. I1 you are eMnlea to bankruptcy protections for ywr attwnl, iNS tomnarnkafion is only for inlortrglbnal purposes. it k not an enempt to collect stair « recover a debt or claim Do rid Sent any paYrrlem5 dirxtly to us without speaking won your bankruptcy anomey a Ine Bankruptcy Coln. If you want to contact us about your xcotmt «your bankrupcy proceeding, please nave your anorttey contact us. TRILLING RIGHTS SUMMARY pit Casa d Ertas «Ouxtbre about Vwr Bilq r you think your NII is wrong, a n you need more tMOrmalion on a Iransadicn or bill, came to us on a separate sheet as coon as possible at lha address for irpuiAes shown on the front d this slatemeM. We must hear from you no later than fi0 days aver we sent you the first bNl on whkh the ert« or problem appeared. You wit cell our Customer Rerotbra number « ndiy uz by email orwebshe, but ddng so will rat preserve your rtgMS. In your lever, give us the Idbwtng iMOrtnalbn: your name and account number, Ine ddWr amount of the suspected art«, a dxcripgon d the ert« and an ezplanalion, n possible, 01 why yw believe there Is an ertor, « if you treed rare infomation, a descdptkn d the Hem yw are unsure shoal. V W do rat have to pay arty amount M quxtion while we ire investigating b, bN you are still obligated to pay the pans d your bill Mat are rat fn question. While we {mxligale yolx question, we cannot spat you as dellrqueM or take any adios to cdlxt the amount you question. } Spatial Rule fa Credt CaM Purchases 17 you nave a problem with Ine quaky of property «servicx that you purchasetl with a <redd cero and you have tried in good faith to tortecl the problem with the merchant, you may have the ngM not to pry the remaining amount due on the Droperry « servkes. You have 1hk prdedan onry when the purchase prke was more them 550.00 and the purchase wx made in you! horse stale «wNhM 100 rrsles OI ywr ntallirg addrxs. m we own a operate the merchant, « N we mailed you the adveAisemem 1«the Droperty «services, all purchases are covered regaMless d amount or kcatbn d Wmnase.) Please remerM« to sign alt eortespondence. t Lbea not appy to business accounts Capbal One supports Intomolion privacy protecfart see car webs He at www eaonalone corn Caporal One is a irlderoly regisl«ed servke rturk of CaDilal One Financial Corp«albn. Alt rtgMS reserved. 02008 Capbal One enparlanl Nonce: Prymae ya m9 wvs rnl be aedNa toyw ac«ara ss rice Ud«ss dry we rswke gprodded (1)yw s.a ee bWttarn parean a a+a aalernanl rte yw d,ea h ae rrrdoa~a rurinarre rnark7x aH (2) tar pgn~aln b reo~ d h w po«aw «nl> bye pm. Er (t2 rwm PT). Pleae,eom al fret nv.(s)burina a.ys for pons dsawy. Paymetn r«dw~qua re airy cawlooamo~ any on. ka,m may rim tr oe«ea e a aK eery car rncetre sari. w b,9,rs d ys =. Monaay N.a,y, saaaeay, ~tdod~w llradays. I'leu donor vac stage, ppa tips, ek. shat PFnr9 Pu" paymrnt ~apita~ - whaf's in your walfei? LET'S TALK -WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One; we're here to help you keep your credit on track. Give us a call. © ZOOM Capital One .Snviru, Inc Ciepitnl Orm it n ftr/arnlly registered rrr:dcr murk. A7/ risl~tr rurrved. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,347.47 - $0.00 + $21.31 + $39.00 = $1,407.78 5185.00 Aug. 11, 2008 Jun. 18, 2008 - Jul. 17, 2008 Page 1 of 1 D •'r a7 I F •R TtT' Al/^UIJr Visa Platinum Accounf 4121.7470.4464.2835 /NoHassle ~ Your Account Information REWARDS TOTAL REVOLVING CREDIT LINE 52,000.00 TOTAL AVAILABLE REVOLVING CREDIT $592.22 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $592.22 PICAS[ -, _.. .. .. Y•w're hehirJ by two payments. Lefs 1311.. If y,x; re ha~!ir:g financial diliKUP.ies and czn't r,;ake your minimum payment - we want t;; rr Ip. Ler~ work laae;Fcr to find a sduti::r~. "Important IJotKe" Urder the terms we previously dsclosed to you, your account is raw eligible for an increase in Armual Percentage Rates (APRs) eHeclhre immediately. However, Capital One has elected not to raise your APRs at this lime. Please be advised that if you fail to keep your account in good sfandtng, Caplal One reserves the right to raise your APRs in the future. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. Waiting on your tax stimulus check-and looking for a smart way to use it? Pay off your debt and help bring your Capital One account back to good standing. Finance Charges (Please see reverse for important information) Balance rate Periodic Correspondng FINANCE applied to rate APR CHARGE Purchases $1,365.49 0.05203% P 18.99% $21.31 Cash $D.00 O.D5751 % P 20.99% 50.00 ANNUAL PERCENTAGE RATE applied this period: 18.99° Q At Your Service 1-800.955.7070 To cal Orslomrl Relations ar 1o report a bsl ar stolen card Send payments to: Capital One BkIUSA).I4A • P.O. Boz 70684 • Chabde. NC 26272-0884 ® Send Inquiries to: Capital One• P.O. Bos 30285 • SaX Lake Gty, UT 84730-0285 For More Information on your Rewards: hl~ VKit: w,•ra.capitakne.eom/pointsewards car ,-eoane Soot Have a question about a charge on your sUlemenl7 Please refer to the Billing Rights Summary on the back of your statement or visit www cadtabne corrJdsoules Rewards Summary Previous available balance: 473 Earned this period: 0 (relbcts transitions posted tlurirg this bfng c}tk) Available Balance' 473 Payments Credits & Adiusfinents 1 12 JUL PAST DUE FEE 500009 $39.00 You were assessed a past due fee because your minimum payment was not received by the due dale. To avoid Ihis fee in the future, we recommend that you albw at leas) 7 business days for your minimum payment fo reach Capital Orte. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO VJVJW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. Capital Qlge• I what's in your v+a0et?. 0 4121747044642835 17 1407780050000185000 New Balance Minimum Payment Due Date $1,407.78 $185.00 Aug. 11. 2008 PLL45E I'A.YAI LfA51 THIS AFAOUtJT Amount Enclosed Capital One Bk(USAI,NA Irlrrlrrlrlrrlrlrlrrll P•0• Box 70884 Charlotte, NC 2E272-0864 Irrlrlltrlrrrllllrrrlrrlllllrrrlrrlrlrrlrrlrrllrllrrlrrllrrrll Account Number: 41 Z 1-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Alremare Phone f•mai/address @ 119020069979524818Ff MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYFRED LN CAriP HILL, PA 17011-5433 nrlllnrlllnunllnrllrlrlnlnlnllntllrllnnn Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON t. How to Avoid a Finantt Charge. a.Grace Period. Vou will nave a rNnimum grace period of 25 drys wphoul0nance charge on new purchases, new balance tnrtslers. new specal purchases and new other dwrges N you paY Your total `New Balance", M accordance wrih the Inporlant Ndice for payments below, and k lime for H to ba credHed W Your paYnanl due date. There Is no grace perod on tarn aWantes and special vamlers. In addition, Ihere k no grxe period on anY tnnsadion H you do rid pay the ldat "New Balance." b. Accruing Financee Charge. 7ransadans whkh are ram subjed to a grate periotl era assessed finance darge 1) iron the date of the irans9dion a 2) trap the dale the IrarKactbn is processed to your Aaount or 3) from the Trst calendar day d the curteM billing period. Adtlilbnally, H you did not pay the "New Balance' iron the Drevkus billing period In lull, firance charges continue b accrue to your unpaid baance until the unpaid balance k paid in full. This means that you may still owe finanea Charges. even H you pay the eMke New Balance IMicate0 on the front d yourstalemenl by the payment due date, 6ul did rid do so for the previous month. Unsaid 0nance charges are added to the applicade segment d your Account. c. Minimum Finance Charge. For each during padod that your account k subject to a 17nance charge, a mlMmum total FINANCE CHARGE o} 50.50 will be imposed. d. Tertporery Radudion M Finance Charges. We reserve the right to rid assess any or all ananca Charges la any given pilling period. 2. Average Daly Balance (IneNWing New Purchases). Finance charge k calculated by munipying the tlaily balance o/ each segment dyour account (e.g., cash advance, puchase, special Iransler, and special purchase) M the corresponding dalN penoaic rate(s) that has been previousy disclosed to you. At the end d each day during tM billkg period, we apply ins dally penadic rate for each segment of yax aetount to the dairy baance d each segment. Then al the eM M the Dieing period, ova add up the resups of these Daly calnrlatians to arMe a1 your periodk finance charge for each segment. We add up the reruns from each segment to artNe r the total periodic fnance charge for your account To get the defy balaxe for each segment o1 your account. we take Ins beginning balance for each segment and add any new frartsadiorts and any periodk finance charge cekulaletl on the previous daY+s balance for Ihat sajment. We then suDlrad any payments a cred'as posted as of that day that are alkxatad to Ihat segment. Thk gives ut the separate daffy balance Im each segrtieM m your xcotrrH. Fbwever. H you paid the New Balance shown on your previous statement M full (or N your new balance was zero or a eredH amount}, new transacliom, whkh post to your purchase or special pur<hase segments are rant added to the daily balances. We cakulate me average defy balance by adding all the daily haleness together arW dividing the sum by the number M Ins days In the wneM Dillirg ryek. To cakulale youmdal finance charge, muNiply your averege daffy balance by the daily penodk rate and q' the number of days in the Diliing period. Due to rounding on a daily basis or due to minimum finance charge assessment. there may be a variance between ihk takndation and the amount of licence charge adualy assesses. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as "APR' On its 11on1 d this atal8menl. b. If The rode P (OUanedy Prime), L la,aneny LIBOR). C (OU9nesy CD), or S (BankcaM Prime) appears m the 1roM of this statement next fo the penodk rate(aZ the periodk rates and wrtaspondirg ANNUAL PERCENTAGE RATES may vary quaneny eras may increase or decrease based on the staled intlkes, as found in The W au Sueel Journal, plus the margin peviousN disclosed to you. These Changes wig b0 eHeclNe on the fxsl day M your billing period coveretl by your penodk slalemenl endirg in the months d January. April, July and OCbber. t. 1f the code D (MOMhy Prime} F (MOMhy LIBOR), a G (treasury LIBOR) appears on ins tram of your statement next k the periodk rate(s), the periodk rates antl eonesponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease Dried on the stated Inokes, astound in Ttw Wall Street Journal, plus Ins margin previousy dscbaad to you. These changes will he eHeCdve on the first day of your bNNrg period each rtaMh. 4. Assessment M Late, Overaml and Resumed Peyrrenl Fees. Under the terms M your customer agreement we reserve the rtgM k waNe or not to assess arty fees witMut prior nolifralion to you without waiving our right to assess the Same or simgar fees at a Wler time. 5. Membership Fee and Renewing Vaur Aocounl. H a membership lee appears on Ihk statement, we will trades the lee H you request to close your account whhin 30 tlays d the mailing of this statement. Vou may continue to use the account during the 30 day period before your request. II you do cwt pay all charges owed on Ink account with In 90 days, or s you use your crc4H card or account aHer you request 10 cbse, any membership lee Ixevbusy waNed may be IefMlBled tO yWf 9CCW M. 6. Cbsing or SuspeMing Vour Aooounl. You may request Thal your account be tbsed by calling orvunting our Customer Relations Department. At the time of your request, we will prWtde you wHh addHlonat delaik on closing your account. TMs may include payment Inbrmatbn. If you use your crash card or charges post fo your accoum aHer you ask us to close your atcoum, we can keep your account open or reopen K We may cbse or serpent your account ant your ngM to obtain creail. We may do Ihk al any time ant Ia arty reason, even H you are not in delauN. A suspension d your account can be pemaraM a Temporary. II your xceunl k cased a auspenaed. you mss Stop Using your uedit card and account. Vou mot also tartcel all preaulhorized billing amngements to the ateounf. We wNl not do this for you. 11 we Nose or permanenly suspend your account, you must also destroy all trades cards and account xtess checks. Vou must still pay aN amounts you owe us on the account, even it They were charged alter your aeeouM Is Nosed a suspended. 7. Making Payments. Paymem5 you mail to us will be cred'Aed to your account as of the business day we receive H. provided (1) you send the bofian ponan of thh zlatement and your check in the enclosed remittance envebpe and (2) your payment k reteWed in our processing center by 3pm ET (12 noon PT) Please allow ai least rave (5) business tlays for postal delivery. Payments received by us at any other loCailon or in any mbar farm may rant be ttedHed as of the day we receive them Our business days are Monday mrough 8. Notice About Ekctronk Check Conversbn. When you provide a check as payment, you authorize us ehher to use inlortratton from your dteck to make eons-time eleclronk fund transfer iron your deposes account or to process the payment as a check Irareadian. When we use iMormation from your check b oaks an eledronk fund trarister, funds may 6e wshtlrawn Irom your deposit account as soon as the same day vve receive your payment, and you will rqi receive your check Deck Irpn your financial institution. Your aupwdzatlon k not limned by the dale on the Check. We may feSUbrN1 arq eletlronkaily tolled returned payments. 9. Bankruptcy. It you are eMHIM fo baniuuplcy WMedions Tor ywr eCCWnt, Inls COrrlrrlUnk81ia1 6 OMy br IMOmalional purposes. N Is not an aHerryt to colMd, assess ar recover a dab or claim Oo not sent arty paYmenls diredly k us without spe9kirg vvHh your bankNptcy enomey or the eankruplcy CWn. It you want to coMad us about your account ar your bankruptcy proceeding, please have your anomey carded us. TBIIUNG RIGHTS SUMMARY (In Case d Enos or Oueslions about Your Bill) H you think your hill is wrong, a H you need more iMannation on a trensad'an or big, came to to on a separate sheet as soon as pos5ide al the address for ingldnes sMwn On the Iron) d this stalamem. We must hear Irom you ro later than 60 days sger we sent you the fiat MN on whkn the enor or problem appeared. Vou ran call cur Customer Relations nurt'Der or ndHY us Dy ertail or wesHe, but ddrg so will rid preserve your rights. in your Iener, give us the blbwinq IMamatbn: your name ant acceunl number, the doper amount o/ the suspecbd erta, a description d the error and an expianalbn, H possible, of why you bBlleVe Ingle k an eROr, a i1 you need more intOrmalbn. a description m the Hem you are unsure about. You ao rid lave to pay arty amount in question while we are Invesligaling H. bN you are still obligated IO pay Ins pans W your bill Ihe1 are rtol in quaslbn. Whge we Investigate your question, we cennd report y0U 56 delinquent or 18ke airy xbon 10 cdletl the amount yta queston. i Spedal Rule la CredH Card Purchases H you have a probem wHn the quality M property or ranker that you purchased cairn a credit cant ant you have tried in good lash 1o carted ins problem wpb the merchant, you may have the ngM not b pay Ira remaining amount due on ins property or servkes. You have Ink protedbn Dory caftan the purchase pace was more than 550.00 and the purchase was made in your home state a whMn 700 mites M your mailing address. m we own or operate tce mertnam, a H we maika you the advenkement for She progeny or servke5, aH purchases are covered regardless o1 amount or bcalbn d Wrchase.) Please remember to sign all conespoMerKe. T Lbes not aP-IY b business accoums Capital One supl>olls inlortrvlion prNacy pmettion: see our websife al `x::w La.alone eom Capital One k e tederaly registered service mark of Capnal One Financial Corporation. All rights reserved. 02008 Capital One knpornnllbfa: Pgrwds Ya mai w a wE ce anted ro yw xa an as W Ole G+.dnea dry we recdra iL Rid (1)Ya wk de botlon potion d air AaMnad ed Yea tlmdi ii rig agaed rbndpeKe eiwkpe ant tai Yea VMnml c rsca+ed'n ar PaceasiV ante by 7 pm. ET (1Z noon PT). Please alw at least krt (5) lusbt9s drys Wr pawl dAvery. Pe)meits reaNed M a al cry Moe kraaon a h ary oae learn m ) rw De oedled as M Ne dry we rescue Nan. Qr lasers days ae MmGy hagh Saruday, eadWrig tsidrys. Pbue eo na use shills, PRe 6PS. etc. vaxn H~9YOU WMtta Capita- what's in your wallet? MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE® Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. 500070 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2008 Caprlnl One Srrvitet, Inc Capiml Onr if a fttleral/y rcRi+tertd uwitt n+anF. A/I riA/itr rettrr/e~. Previous Balance $1,407.78 Payments 8 Credits - $0.00 + FINANCE CHARGE $23.79 + Transactions $39.00 = New Balance Minimum Payment Due Date $1,470.57 S262.00 -Sep. 12, 2008 Jul. 18, 2008 - Aug. 18, 2008 Page 1 of 1 i - F;[ASC P_~ ?i I r='.T T1115 LNiIIJr Visa Platinum Account 4121-7470.44642835 ~/NoHassle Your Accountlnformation REWARDS- TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $529.43 CREDIT LINE FOR CASH $2.000.00 AVAILABLE CREDIT FOR CASH $529.43 You re behind ta~ three payments. 6ul you can brine your acc0unl Curran; Ly psyirra Itie minimum r-yrnmt amrArrn on ywr s'a1•-men1 If yw're having financial difburLi?s and you're feeling over•.vhelmc-d - wewant t:: h?Ip. Give one of cur associates a :III ai 1 i,YJ. ~ :.E6CA7.''UU'•7 LC Faq)fFed what we rzn ~.~ Icoeth~er 1rv«k tlir col. "Important IJolice" Under the terms we previousty disclosed to you, your account is now eligi~le f« an increase rcr Annual Percentage Rates (APRs) effective immediately. 14owever, Capital One has elected not 1o raise your APRs aphis lime. Please be advised that i1 you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Finance Charges (Please see reverse for impodanl inf«malim) Balance rate Periodic C«respondng FINANCE applied to rate APR CHARGE Purchases $1,428.96 0.05203% P 18.99% $23.79 Cash 50.00 0.05751% P 20.99% 50.00 ANNUAL PERCENTAGE RATE applied this period: 18.99 Q At Your Service - C'o 1o wine caoitabne.oom to menage your axnunl, a Cat 1.800-9557070 to mport a bsl or sloEn cad «speak to Qastomer Relaluns Pay Online at w«.v caoilabrie.com a mat tour past b' Capital Ore Bark (USA), N.A. • P.O. Bo>< 70884 • ChabRe, NC 28272-0884 ® Send Inquiries fo: Capital One P.O. Rox 30285 • Sal Lake City. UT 84130-0285 Manage your Rewards online by visiting Fyn' .. ~;,"..pdal,.~ n,mk~,:,r~arns or Cat 1-8W-22&3001 ® Have a question about a charge on your statemenl7 Please refer to the Billing Rights Summary on the back o1 your statement or visit www faalalone comld~soufes Rewards Summary Previous available balance 473 Earned Ibis perad: 0 (relkcts transactions posted during this tiing gels) Available Balance: 473 Payments Credits 8 Adjustments Transactions 1 11 AUG PAST DUE FEE ~ ~ You were assessed a past due fee because your minimum payment was not received by the due dale. To avoid this fee in the future, we recommend that you alkrw at least 7 business days f« your minimum payment to reach Capital One. PtfASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO V/WW.CAPRALONE.COM TO MAKE YOUR DAYMENT ONUNE. CapitafQ~' I wharri~yo~rwauerr 0 4121747044642835 17 1470570050000262003 New Balance Minimum Payment Due Date $1,470.57 $262.00 Sep. 12, 2008 I'ItASt I'AYAI I.FASI THIS AtdOUNT Amount Enclosed Capital One Bank (USA), N•A. P•0. Box 70884 Charlotte. NC 28272-0884 lllllnnn,llrlllll'llllllllllllllnlhlllll~llrl'nhl~ulh'll Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Aheinare Phone f-mail add~eu 11902336997952481911 MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYFRED LN CAnP HILL, PA 17011-5433 'I1rhlrl~rldllllrlllrrlrl~rullnlllPllrrlllll'rrllll~l'I Please wrfte your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How to Avoid a Finance Charge. a.Grace Period. You will have a minknum grace penotl d 25 days without finance charge on new purchases, new baance Irartsfers, new spatial purchases and new other charges i1 you pay your total `IJew Balance". M accordaroe with the Important Nofke 1« payments bekne, and In lime for h to be credited by Your paYmenl due date. There h ro grxe perod on cash advances and special IranMeR. In addition, there k ra grace pedod on any iransadi«t 4 you do not pay the Idol 'New Balarae." b. Accruing Finance Charge. Tran58dions which are rid subject to a grxe period are assessed f nonce charge t ) horn the dale d Ina trensadbn « 2) from the dale the hareaction 'c processed a ywr Account « 3) fr«n the frst calendar day of the curtent baling period. Addifbnaly, 4 you did not paY the "New Balance" from the prevbus Mllirg pedod In tuN, f ante charges continue fo accrue to your unpaid baance until the unpaid baance is paid in Lull. This means Ihel Yw may 5114 owe f rand Charges. even B yw pay Iha aMke Neal Balance iMkated on 11a front d your statement by the peymerd due date, bw did not do so for the previous rtanth. Unpaid finance charges are atlded to the applicable se})mani d your AttwM. c. Minirtum Finance Charge. F«exh N4ing period that your account k sub)ec11o a tmance charge, a minimum Idol FINANCE CHARGE 0150.50 will be Imposed. d. Temporary Reduction in Finance Charges. We reserve the dgM to rat assess any «aN trance charges 1« any given MNing period. 2. Average Daffy Baance (Inc40ing New Purdfaces} Fimnce charge is takukled by multiprying the daily baknce d Bath segment d yow attounl (e.g.. rash advanu, purchase, spxkl trorlskr, and special purchase) by the wrtesponding daNy pedodk rate(s) ihal haz been previousy disclceed to you. A11ne end d eacA day during the billing perod, we apply the daffy pedodic rate 1« each segment d ywr account to the dairy baknce d each segment. Then at the eM d the WIIgyJ pendd, we add up the resuns d these daly wkulMi«is fo arrive M ywr penodk finance charge 1« exh segment. We add up the resuhs fr«n each segment to arMe at the total penodk finente charge 1«ywr account. To gel Ina Daly balanee for each segment of ywr account, we take the beginning baance 1« each segmerd and add arty new lronsadiorts ant any pedodk finance merge wkwMed on tM previws Days balance f« ttat segment. We loan sublrocl any payment9 «credhs postsd as d Ihet day chat ar! ailocaled to that segment. This gives us the separate daNy baanw 1« each segment d ywr account. However, N yw paid the New Balance shown on your previous statemBM in fop (« H ywr new Oaknce was zero a a tredN amount), new trareadloru, which post fo ywr purchase «spxial purchase segments are rat added to the daily balances. We wleukte the average daily balance by adding all the daffy bakraes together ant dviding the sum by ine number d the days in the cuneM bilfirg ryck. To wkulak ywrtdal finance charge. rtunlDry yow average daffy balance by the daily penodk rote and by the number of days in ine bitting period. Due b rounding on a daily basis «due to minimum fnarKe Uarge assessment. there rtay be a valance between this calculation ant Ina amount of finance charge adualty assessed. 3. Annual Percentage Rates (APR]. a. The farm "Annual Percenage Rale" may appear as "APR' on the front of this slalemenl. b. It the code P (ouarteny Pdme). L (Ouaneny LIBOR). C (OUadeny CD). «5 (Bankcard Prime) appears on the front of this statement next b the pedodic rates} the pedadk rates and tortesponding ANNUAL PERCENTAGE RATES may vary quaneriy and may increase «decrease based on the stated indkes, as Iwnd in The W aN Street Jwmal. plus the margin prevously discbsed to you. These <hangec will be eMed'Ne on fhe frsl day d your billing period covered by your perbdk statement ending in ine months d January, April, July and October. c I7 the code D gnoMhly Pdme). F (MOn;hy LIBOR), or G (Treasury LIBOR) appears w the front d your statement neat to the penodk rates} me periodic tales ant cortespondirg ANNUAL PERCENTAGE RATES may vary nanihly and may increase «decreese based on the stated indices, as Iwnd in TM Wall Sacet Jwmal, pNrs the margin previousy discbsed to you. These charges will ba eMeclive on fhe first day d your ONNng pedod each month. a. Assessment d Lale, OverlirNl oral Returned Payment Fees. UM« the temm d your customer apreenvanl, we reserve the right 1o waive «not to assess ary tees vrilh«ri pn« rolifaatbn to you withow waiving our right to assess the same «sirrilar lees a1 a tiler time. 5. Merrbershp Fee and Renewirg Vour Acoounl. If a memaerahip lee eppeirs dt ibis SidlerneM, we WIII CredN the tee N you request fa Uose your aawnl within 30 days d the ma4ing d iht5 stalemeM. You may continue fo use the account tlunrg the 30 day period before your request. If you do rat pay all charges owed on this xtwM with in g0 days, « tt yw USe ywf «edN wrd «atfAUM oiler y0U reQUes110 cbse. any membership tee previously waived nay De reinstated to your account. 6. Cbzirg «SUSpendktg Your Acoounl. Vou may request that your acewM be Dosed by calling or canting our Custonwr Reations Department. At the time o1 ywr request. we will provide yw with addhional details on closing ywr account. This maY irtdude payment inbnnal'an. 1f yw use ywr «edN cant «chages post to ywr account after yw oak 4510 Ckls@ Ywf HCCOUM, We can keep ywr xCwM open « reopen it We may Dose or suspend ywr atcwni and your dgM to obtain credN. We nay dD this at arty tirtk and 7« any reason, even N yw are rid in defauN. A suspension of ywr accwM can be pemanent «temporary. It ywr xcounl fs <bsed «suspended• Yw must slop using your «edit wrd and attwnl. Vw nu51 also cancel aN preawhorized billing amngements a the atcormt. we will rat do leis for you. Ii vrc close «pemanenty suspend ywr accwM, you must also destroy aq «edN cards ant account access checks. Vw must s1Nl Day aN amounts you owe rx on the account. even if they were charged aver ywr account is closed « suspended. 7. Making Payments. Payments yw mail to us will be credited Io your account as of the business day we revive h. provitled (1) you send the bodom ponbn of this slatemeM and ywr check In the enclosed remMence envebpe and (2) your payment is received in ow processing center by 3pm ET (72 noon PT). Please albw at least fve (5) business days for postal delivery. PaytneMS revived by us at any other bcation or in any deer form nay not be credited as d fhe eay we receive them. Our business nays ate Monday through 8. Notice Abow Eledronk Check Conversbn. When you provide a check as payment, you authorize us either to use inlomal'an Irom ywr check to make aone-Ilene ekatrwk fund lranskr h«n your depash account «lo process the payment es a Check transaUion. When we use information Irom your chttk to rtake an ekUronk furl Iranster, hinds may be wNhdrawn from your deposit account as soon as the same day we receive ywr payment and you w41 rid receive your check back from your Tmancial insMwbn. Your awhdlzalion i5 not limned Dy the dale on the thxk. We may resUbrtM oral ekdronice4y tolled returned payments. 9. BanluuDtry. It you are entaled 1o bankmptcy proixti«K for your account, this communication h only for intomvational puryoses. It is rat an attempt to mNecL assess «rewver a dent or claim Do not send any payments dirxlly to us without speaking with your bankruptcy en«ney «Ihe Bankruptry Cowl. If you warn to toniaU us about your account «ywr bankruptcy Droteeding, Please have your aaomey oonl8d 4s. TBILUNG RIGHTS SUMMARY pn Case M Enas «OUestion about Your Bill) tt you think your Gill h wsorg, «N you need more IMOmation on a hanSaUion or bill, vrnte to ua on a separak sheet as soon as po65ible of the address br inquides Shown on the front d this 5latemeM. We must heel iron yw no later than wday~ seer we sent you Ina first bill on whkh the error « problem appeared. Vw can can wrCUSfamer Rekfiorts number «ndity rn by email «websne, but dairg so will rid Weserve your rights. In your leder, give us Ina Idbwing iMOmalion: Your name ant account number. the ddlar artauM of the suspected ert«, a descdption of the error end an explanetbn, N possible, of why you believe there h an error, « i1 you need rrore iMOmatbn, a Oescnption d the Mem you are umsure about. You do rat nave to pay arty amount in question while we are invesffgaling n, bw you are s1Nl obligated 1o pay the pans d ywr hill Ihat are rid in question. While we irrvestigste your question, we canrat report you as Oelirpuenl or take any xlbn to edkd the artaunt you queston. t Special Ruk 1« Credit Card Purchases tt you nave a problem wah the quality d property «servkes that yw purchased with a trade wrd and yw have fried in good IaNh to owed the problem with the merchant, yw may have the right rid to pay the remaining amount due on the property « servkes. Yw nave this prdeUion only when Ina Purchase PMe was more than 550.00 and the purchase was made in ywr home state «wnMn 100 mks of ywr rroiling adtlress. Qi we own «operate the merchant, a H we mailed yw the advenisemeM for the property «services, all purchases are covered regartlless d SmouM «bcalion d purchase.) Please remember to sign an correspondence. T (bas rid apply fo business accounts Capital One suDWrts infomation pdvary protection: see car webs4e of yp7peL,c~abffiS,gID Capital One K a federally registeretl servile mark of Capital ~e Finarxial Corporation. All ngMS reserved. 02008 Capital One ImporbnlNosoe: Paynwas ya maa are wa be asdlad pyar somnt as of h Dulness eay we receive IL pwieee (t) Ya sent are bonarn palm a ibis satemrd sM yar fired, h tie eMaad remNtave ervekJPe ant Ir1 Yea pymea a reoerrd'n ar pormsig cane try 7 D.m. ET (12 rwt PT). Please aYaY al least are (Si bilress days b prnW drMey. Psrnela rtcevee by us M arty odw Ireton a it a'tY oeie keen may na be aedike as d de dry we racehe Mn. W Cosies dsYS re MaWsy ham Seaadry, aidu6q Midays Pbax do nMuse sfat/ss. papa dps, ek. rAtat PgxNg Your Pafnmt Capit~ - what's in your waNeti SOOOtt TAKE CONTROL OF YOUR CAPITAL ONE° ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ® 2lNIR Capital One Srrvires, 7nr. Cnpiral Onr is a fedrmlly rcKisurrrl trrvirr murk. All rights nxrerd. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,470.57 - $0.00 + $23.25 + $39.00 = $1,532.82 $339.00 Oct. 13, 2008 Aug. 19, 2008 -Sep. 17, 2008 Page 1 of 1 F! rLir v_! dT IF=41Hi5 ar/,ruM Visa Platinum Account 4121.7470.44642835 ~No Hassle Your Account Information REWARDS TOTAL CREDIT LINE 32,000.00 TOTAL AVAILABLE CREDIT 3467.18 CREDIT LINE FOR CASH 32.000.00 AVAILABLE CREDIT FOR CASH 3467.18 Finance Charges (Please see reverse for important information) Balance rate Periodic Correspon3ng FINANCE applied to rate APR CHARGE Purchases $1,489.52 0.05203% P 18.99% 323.25 Cash 30.00 0.05751%P 20.99% 5000 ANNUAL PERCENTAGE RATE applied this period: 18.99% You re hahir.,i b/ fast payments. Rut you can still brir.~ your acasum cunenl ty pa.ng Its minmum p.:ymenl amount en year siatemera. I•J'•e•1 help? Gr:~e rr' a tali ;,t 1:4Gi;.4~~.EL'CC. i':'e'll work loge?I.er Ie fin•1 a selusisn. "Impotent NOfKe" Under the terms we previously drscbsed to you, your account is raw eligible for an increase in Annual Percentage Rates (APRs) effective immediately. Fbwever, Capital One ttas elected not to raise your APRs of this time. Please be advised Ihat if you tail to keep your account in good slandmg, Capital One reserves the right to raise your APRs in the future. Rewards Summary Previous available balance: 473 Eamed this period: 0 (relbets trznsacliorts posted during fl,is ding cycle) 473 Available Balance: Payments Credits ~ Adjustments At Your Service • C'o to wwa caoitabne.com to manage your aooaatt, o a Cat 1-000-9557070 to,epon a bat u sWlen card a speak to Customer Transactions Rehlions 1 12 SEP PAST DUE FEE ~~~ ® Pay Online at waw cmitabne mm or nreilyax payment to~ You were assessed a pass due fee because your minimum payment was not received b'y the due date. To Caplet One Bank (USA), NA. • P.O. Bolt 70884 • Charbne. WC avdd this fee in the future, we recommend that you atbw at least 7 business days for your minimum 28272-0884 payment to reach Capital One. e Send Inquiries to: Cap4al0ne• P.O. Butt 30285 • Sat Lake Qry, In 84130-0285 Manage your Rewards online by visifirg Njd ....-~~1^Mvntanue.dc or Cat t~800-22&3001 Have a question about a charge on your statement? Please refer 1o the Billing Rights Summary on the back of your statement a visit www caoiialone com/dsoules PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO NNJW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONUNE. 0 4121747044642835 17 1532820050000339007 GapitalQ~' wha,•r in y~r wooer,. Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date pease print address or phone number changes bebw using blue or black ink. $1,532.82 $339.00 Oct. 13, 2008 Address I'LEAtiE 1'AY A~I LEA51 Home Phone A/remare Phone TIitS AMOUN7 E-mail address Amount Enclosed ~~ Capital One Bank <USA), N•A. P.O. Box 7D8d4 Charlotte, NC 28272-0884 lllllunnrlrlllll'IIIIIIIUIIIIInIINllll'Il'Irnlll'nllrll >r9026269979524818fi MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYFRED LN CAMP HILL, PA 37011-5433 '1111"llrlrlllhllhll'41.rrllr~rlllll'Ill'Il'Ilrnl'INlnll Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 7. How to AvoM a Finance Charge. a. Grace Period, You wiX have a rranlmum grace period d 25 days wilhart finance charge on new purchases, new manse Iransters, new spacial purcmsec and new other charges H you pay your Idol "New Balance", In acc«dance wnh the ImponaM Naice f« payments bebw, and In time t« % to be credNed by your Isaymenl due dais. There K no grace period on cash advances ant special trarefers. In addifbn, there is ro grace period on any Iransactlon tl you do not pay fha Idol "tJew Balance." D. Aanrkq Finance Ciwrge. 7raraacuoru winch are nd subject to a grace psdod are assessed finance cmrge 1) from ttra dale d fha IrensaMion or 2) from the date the Iranaclion b protassed to your AceouM « 3) trait the Trst cabMar day of ItN cunent Dining period. Additionalty, N yW d'~d not pay ihe'New Balance' from tree ixevi0lls balirg period in lull, flnance Charges coMirwe to acCNe to your unpaid mbnca until the unpaid balance is paid in toll. This means Iml you may still owe fronce charges, even M you pay the entire New Balance Indicated on the troll of your stalemenl Dy ill payment due date. but did not do so 1« the previous month. Unpaid f nonce charges are added b the applkade segmem d your AcrAUnt. c. Mtnimrm Finance Charge. F«exh dXing perod tint your atcouM is subject to a finance charge, a minimum total FINANCE CHARGE of $0.50 will be imposed. d. Temporary Reduction b Finance Charges. We reserve the ngM fo not assess any or alt fmarra charges for arty given billing period. 2. Average Dairy BeWnu (including New Purchases). Finance cmrge n nkulated by muniplying the daily mlance d exh segment d your account (e.&. cash advance, purchase, special tranaf«, and special purchase) by the corresponding dairy periodic rate(s) that has been previousy disclosed to you. At the end d exh day dunng the filling period, We apply the defy perioMC rate 1« each segment d your acwlrm to tM dairy mlance d earn segment. Then at the end d the fining period. we add up the reruns o1 these defy nkulatbrs fo amve at your periodb finance charge 1«exh segment. We add up the reruns from each segment fo shwa at the Idol perkdk it gnance charge 1« your acceunt. To get tin dairy mlance for each segment d your xctuM, we lake the begiming mince f« each segrtenl and add any new trauaaions and arty perfodk finantt emrge cekulated on the prev'aus Day's mtance for Imt segnwnt. we then subtract any payments or credits posted as of Imt day that are allocated 1o Ihal segment. This gNes u the separate deny mlprrR for each segment d your xcWM. Fbwever, n you paid the New Balance shown on your prevbus slatemeM in lull (« n your new mlance was zero «a credit amount), new transactions, which put to your purchase «spxial puremse segments are not added to foe daffy m4ntes. We nkuble the average defy mtance Dy adding all the daffy mlances together ell dnbing Ina sum Dy the number d the days in the curtent billing cyeb. To nkuWte your trial finance charge. munipy Your average daffy mlance by rite aaiy penoaic rate ane by the nurriDer d says in the fining period. Due to rounding on a daily mats «due to minimum Thence cmrge assessment, there may be a variance miween this calculation and the amount d finance charge acaually assessed. 7. Annual Percentage Roles (APR). a. The term "Annual Percentage Rate" troy eDDear as "APR" on the 1ran1 dthk sU1¢men7. D. It the code P (OUaneny Prima), L (Ouanedy LIBOR). C (OUanery CD). «B (Bankcard Prime) appears an the front d ihi5 518femenl next to Ina periodb tale(s), Ina periodk rates and tortesponding ANNUAL PERCEMAGE RATES may vary quavery and may increase «decrease rased on the staled kMkes, as found in Tne Well Street Journal, plus the margin previousy disclosed fo you. These changes will be eflecttve on Ina first day of your Dilltng period covered W your periodk statement ending in the months d January. April, Juy and October. c. n the code D (MOnIMy Prima). F (Monthly L IBOR). or G (Treasury LIBOR) appears onthe /r«H d your slatemenl neln to the periodk rate(:). In¢ periodk rates and cortesponding ANNUAL PERCENTAGE RATES tray vary mDnIDy ane may increase «decreese rased on the staled indices, as found In The Wall Slreel Journal, plus lne margin previousy diulosed to you. These cmrges will m etleaive on the first day d your biNkrg period each rtanth. <. AsseumeM d Late, Overimil arW Returned Payment Fees. Under the terns d yow customer agreement. we reserve the right b waive and to assess any lees wtdaul poor nottTrGaliorl to you wnhoN waiving OIa ngM to assess the same «slmtar fees of a later time. 5. Membership Fee antl Renewing Your Account. M a mertibership fee appears on this statement, we will credd the tee n you request Io cbse your auounl witMn 30 days d the mating d this statement You may taMinue to use IM acccunt during the 30 day perod bet«e your request. If you do nd pay all charges awed on Inis account with in 90 days, « n you use your credit ram or account altar you request to club, any membership tee prevbusy waived may m reinslaled to your acnunl. 6. Cbsirg or Suspending Your Account. You may request that your account be clued by calling or witting o« Customer Retaliona Department. At 1ne time d your request. we wnl Provide you with add'dional details on acing Your account This may InUWe payment inbrmation. If you Irse your crrdll rant or charges post to yo« actouM aver you ask us to close your account we nn keep your xcouM open « eopen n. We may cbse «suspend your atcounl and Your right to oblaln ttedN. W e may do Inis a1 any time end 1« any reason, even n you are nd b detauX. A suspenfion d your account nn m pemanenl a temporary. If your acwuM is cbsed « suspended, you must stop using your aedH nrd and ecceunt. Vou must oho nrxel all paaulhorized billing artang¢menls to foe actouM. We will nd do this for you. 11 we cbse «Ixnranently suspend Your soecuM, you mul also destroy all <red'n cards ant account access checks. Vou twat still pay ail anqurns you owe us on the account, even N they Were Cmrged ehlr yOVr aCCWnt la Lloaed « suspended. 7. Making Payments. Payments You mail to us will be credited to your at'wuM as o1 the business day we receive it, provided (7)you sentl ice mnom portbn d this sfatemeni and your check in the enclosed reminance envebpe ant (2) your payment is received in au processing tenter by 3pm ET (12 noon PT} Please aNOw of bast five (5) business days for postal delivery. Payments rxeNCd by us at any other bcalion «in any doer form may nd be credited as d the day we receive them. Our business days are Monday through 8. Notice About Ebdronb Chxk Conversbn. When you provide a check as payment you alnnanze us either to use IMOrmalion from your check to rtak¢ a one-lime elearonk Lund transfer tram your deposit account «to guess rite payment as a check transaction. When we use intamation Tram your check to make an elecironk fund Iranafer, IuMS may m withdrawn Irom your deposit actounl s soon as IM same day we receive your payment and you wNl rwl receive y«a check rack Iron your financial instittnion. Your authalzagon is not limited by fie dale on the check. We may resubmit and eleclronicaly collect returned payments. 9. Bankruptry. it You are entitled fo mnkruPlcY Drctecl'gns 1« your stcount this communiealion is oMy for inlomnlbM1al purposes. II n not an anempt 1o coI1M, assess « recover a debt « cUim. Do na send arty payments dkecty to u vditgld 5peakirp with yOYr mnkruplcy anomey «Ihe BankNplty CWrt. I/you want to tontaa Us about yWr attount or your mnkmlaxy proceeding, please have your artomey c«daa us. T81 W NG RIGHTS SUMMARY gn Case of Enors or Oueslbu about Vaur BiN) 11 you mink your fill 75 wrong, «n you need rtnre iMOnretion an a transaction «bnl, wMe to us on a separate sheet as soon as possible st the address for Inquiries shown on the 1roM o1 this 5latemenl. We must hear from you no later than 60 days after we sera you Ina gnat biX on whkh the art« « problem app¢ared. You ran nil our Customer Relagora number «rot7N u by email or we4sNe, but ddrg so win rw1 peserve your rigMS. In your lever, give us tM blbwing intortrafbn: your name acct acc«mt number, Ina ddbr amount of the suspected error. a description d the art«antl an explansfion, n possible, of wfiy you believe there b an eror, « n you r d rrwre intomatbn, a descrtpgon d the Hem you are unsure am W. You do not rave to pay arty amoum in queston while we are investtgating>4 but you are stirs obigatatl to pay Ina pans d your bnl mat are rat in question. While we investigate your ques0on. we onnol report you as delinquent or take any xlion to collect the amount you question. T Special Rule 1« Credit Card Purchases n you rave a probbm with the quality d property or servbes Ihal you purcmaed wnh a credit card and you have tried in good faith to ported the problem wnh the merchant, you may rave Irk right not to pay Ina remaining amount five on the property « services. You rave This protxtion city when the purchase pace was more Iran E50.00 and ice purchase was made in your home stale «wnntn 700 nibs of your mailing address. gl we own «operate the mercha M, «n we mailed you IM advertisement for the propeM «servkes, all purchases are covered regardless d amount «bnibn d pucrose.) Please remember 1o sign all aorresporWence. t pies rdr sDDh'rd business atcounls Capital One supports inlormatbn privacy protection' see our wemile at •~•'•" ^a•"" n~,~_itabnP cam CaDnal One Is a tedenlN registered servke mark of Capital One Financial Coryora7ion. All rights reserved ®2006 Capital One -1- knpwnt Nofoe: Prynwss Ya and lousvi b bsdted b yw acount as a tM larainass dry we recetw n. paade0 (1) rya sad eie balan parwl d 0is sWUnrm and you RwAit the rdurW rrndlaroe rapdcpe and 12) yur payrrwa a reoirod "n ar pouaarg cane try7pm. Ef (t2 nun PT). Reax abx al krW hx(b)drsiws drysb postaldWry. PaymeW rarrxd by us at airy Data prasanaF airy pas &rrri may raw bs aediW as d 6w say we recdvs area Cur busies dory re Matday INnrph 6atudey, eaduiq hoidays. Please do not ux staples. IxRr ~. ek. anm papaiq yon paprrenl Capita- IT'S STILL !1lOT TOO LATE. what's in your wallet? Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! 500012 Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2008 Capital One Srrvi[es, Grc. Copitnl Onr it a firtrrnlly rrKitrrrrrl rrrvire mark. All riXl~u rarrerd. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1, 532.82 - $0.00 + $24.21 + $39.00 = $1,596.03 $418.00 Nov. 11, 2008 Sep. 18, 2008 -Oct. 17, 2008 Page 1 of 1 ~ : • R rL<r i. ~ .T 1 f_" TH15 a1F.nUIJi V sa Platinum Account 4121.7470-44642835 /NoHass/e Your Accountlnformation ~ REWARDS TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $403.97 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $403.97 FlnanCe Charges (Please see reverse for important information) Balance tale Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,550.94 0.05203% P 18.99% 424.21 Cash $0.00 0.05751% P 20.99°.4 50.00 ANNUAL PERCENTAGE RATE applied this period: 18.99 Q At Your Service • Go to vmw caoitsbne.eom to manage your account, a Ca[ 1.800-9557070 b report a bst or stolen card or speak to Outomes Reblicns ® Pay Online al wvnv.ddlabne.com or mail your payment b: Cap'tal One Bank (USA), N.A. • P.O. Box 71083 • Ctlarbhe, NC 18272-1083 e Send Inquiries to: Capital One• P.O. Box 30285 • SaN Lake City. UT 847:10-(Y185 Manage your Rewards online by visiting ~~ w cac t-eoo-na3ool Have a question about a cfurge on your statement? Please refer fo the Billing Rghts Summary on the back of your statement or visit www caoitalone com/dsrwtes YJU'rE t'et:ind}.".' ffd2 rwylneni5. l^:21•E pFrnlariEril^/ re'JCf.?d ycur charyinq pr'r~ileces. If'rW; corllnu2 !J miss raymenls ycur aeceuN. is at risk o:' I>sing d¢a}xi cff. Plere den! lei This hap,zn. I`: •ycti rc 'eelieg rderv:hdmcd caP u::at 1 if07 crj(y tio(11. +,`J~ ll aor4. with yeu 1C rc;cive this mat;ar "Imponanl IJotice" Under the terms we previously disckxed fo you, your account is now eligble for an increase in Annual Percentage Rates (APRs} effective immedately. However, Capital One has elected no11o raise your APRs at this time. Please be advised that if you tail to keep your account in good slardirg, Capital One reserves the rghl to raise your APRs in the future. °IMPORTAIJT IJOTICE° Beginning with your December 2008 statement, your Minimum Payment will no longer include transaction fees (nonperwdic finance charges), such as Cash Advance fees and Balance Transfer fees. Also, you mull pay a minimum payment every billing period you have a balance. This minimum payment is required even if you paid mae than the minimum payment or made multiple payments in a previous billing period. Rewards Summary - Previous available balances 473 Earned this per'ad~ 0 (relhtls varuac(xxu polled during this hilrg cycle) Available Balance: 473 Payments Credits & Adiustments Trah5aCt10hS 1 13 OCT PAST DUE FEE 539.00 You were assessed a past due fee because your minimum payment was not rece'Ned by the due date. To avoid This fee in the future, we recommend Ihal you albw at least 7 business days fa your minimum payment fo reach Capital One. PLEASE RETURN PORTION BELOW WRH PAVMEM OR LOG ONTO V.MAN.CAPITALONE.COM TO MAKE YOUR PAYMEM ONLINE. 1 4121747044642835 17 1596030050000418000 Accoun `a ~~ t Number. 4121-7470-4464-2835 Lend a hand. Save the land. Due Date New Balance Enclosed Minimum Payment Amount Manage your account online today- ~ 1 it's fast, easy and secure. NOV. 11, 2008 $1,596.03 $418.00 U Q Pay online anyume-no more [hocks, stamps or clutter. PIl.NSL PAY AI L.tASf Q Moving? Change your address online or on the back. THIS AI.70UNT Q Help save the planet-GO paperless. q 9 02 9 2 69 9 7 9 5 2 4 81 S q Q Sign up at www.capitalone.com. HOLLY ROBERTSON Capital One Bank (USA), N•A• 2101 nAYFRED LN CAnP HILL, PA 17011-5433 "111'III111111'11i11111111111111'11111' P•0• Box 71063 Charlotte, NC 26272-1083 Illrllllllllrlrll{r11111i I II., .,rl I I. I Ilr.lrl.. I .I.. I. I r II' I 111"11 11111 III 1111III111'1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON . How fo Avoid a Finance Charge. a. Grace Perbd. You wiN nave a minimum grate psrod d 25 days wNhoul finance charge on new purchases, new balance transfers, new special purchases and new dher charges tt you pay Your Idai `New Balance'. in accordance with the IrnponaM Ndiw 1d payments bebw, end M time 1d N to De cradNed by Your paYm¢nt due tlale. There is no grace perod on rash advances ant speCizl irenSters. In addition, there IS M gnc period on any transad'an N you do not pay the trial 'New Balance" b. Accruing Finance Charge. Transadbra which ere rid subject fo a gran period are assessed Manse charge t) Iron its dale of the trensxiion d 2) Irom the dale Ise iraMatlton fs processed to your Account d J) from the first calendar day d the current billing period. Additionaly. N you rill not pay the "New BaUrae" Nom the previous billing perod in full, finarae charges Continua to accrue to your anted balance until the unpaid baance k paid in tali. TMa means that you may s1iN owe finance Charges. even N you pay the enike New Bakrtp indicated on the 1roM d yod statement by the payment due dale, tan did rot do so td Ina pevous month. Unpaid finance charges are added 1a the applicable segment d your Accdrnl. c. Minimum Finance Charge. For each btNtng period that your account h subject to a finance charge, a minimum trial FINANCE CHARGE d 50.50 will ce imposed. d. Temporary Rrrdudbn m FWnce Charges. We reserve the right fo not assess arty or aN fnarce charges td any gNen billing period. 2. Average Daffy Balance (Including Naw Purchases} Finance charge k wkukled by rnuNipying The defy beknce d each segment d your account (e.g., cash advance, puchase, special Irons»r, and spxial WrWSe) by the conespanding daffy penodk tale(s) that hoe been prevbusy disclosed to you. At the eM d each day during the rifling period, we appy the defy pMOdit rate 1d each segment o1 your account to iha dagy balance d each segment. Then at the eM d the bNNng period. we add up the resuhs d these daffy cakulalidls to amve at your periodic fmance charge Id each segment. We add up the rasuNs from axh segment to arrWe at me trial periodic Tnarce charge td your Secounl. To get the tleiy DalErce for each segment d your xcouM. we take the beginning balance 1d each segment ant add any new lronsadans ant arty peliodk finance charge cakulafed on Ina previous day's balarce for Wt segment. We inert subtract any payrMMS d treans posted as d Ina} day that are allocated to Thal segment. Thk pNes us the soperale daily balance for each segment d your account However. N you paid the New Balance snows on your Ixevbus statement in fuN (d N yWr clew' balanw WiE Zero d a CredH amount), IIeW transactbna, which pool to your purchase d special purchase segmems are not added to the dairy baWrces. We wlculale the average daffy beiance by adding all the daffy balances together and tlivbirg the sum by the number of rite days In the curtest MNirg cycle. To wkulafe yod trial finance Charge, muNipy Your average daffy balance by the defy periodic rate end try the number d days In the rifling period. Dw to rounding on a daily basis d due b minknum gnarce charge assessment, there may be a variance between this wkulation erd the amount d finance charge adualy assessed. J. Annwl Percentage Rates (APR). a. Tne Perm "Annual Percentage Rate" may appear as "APR" m the tronl d thts :talemeM. b. If the code P (Ouanery Pnrre). L (OUanery LIBOR). C (ouarteny CD), d S (Bankwrd Prime) appears art the front d rtes slatertwnt next to the penodk rate{s}the periodic rotes and cortespordtng ANNUAL PERCENTAGE RATES may xary gwneny and may increase d decrease cased m the s»tetl IMkes, es found in The Wa1151ree1 Journal, pus the margin prevtousty diubsed fo You. These charges will ce eNxtive on the frs1 eaY d Your billing period covered by Your periodk slakmeM entling in the months d January, April. Juy and Octal»r. c. N the code D (MOnihy Prime} F (MonlhN LIBOR). or G (Treasury LIBOrr) eppean dllhe front of your eta»menl ned to the prafodic tale(s). Ina periodic tales and cortespondirg ANNUM. PERCENTAGE RATES rraY vary mamhy ant may ircreace or decrease rased on the stated indices, as tourd In The WaN Street Journal, plus the margin previousy discosed ro You. These claMes wNl be eaediva on fla frs7 day d your billing period each month. a. AssesvreM d Late. overltmn and Relumed PaYm¢nt Fees. Under the terms d yea Customer agreement. we reserve the ngM 1o waNe d rid to assess eery lees w11hoN prior nddx;ation to you wNhoul waiving our right to assess the same d siMlar tees at a War lime. 5. A»rrbership Fee and Renewing Your Attount. It a rrarriDership fee appears on this s»temeM, we will credN the fee N you request» cbse your account wHhin 30 days d the mailing d mis s»lemeM. You may continue to use the Sccaunt during the 30 day period cetde your request. II you do rat pay all charges owed on this xcount within 90 days, d N you use your credN card or arxouM a1»r yell request to close. arty mamDersMD fee raevbusy waived may be reinstated to year account. 6. Cbsirg or Suspending Your Account. Vou maY request roar your account be closed by calling d canting our Cusldner Relations pepertment. A11he time d yda request we will provide you wNh addM'anal delails ort closing your accWM. TMs may iralude payment intortnation. If You use your credN cantor charges poll to your account aNer you ask us to cbse your xcourlL we Can keep your xeouM open a reopen N. We may dose d suspend Your account ant your right to dzlain detllt. We maY 0o ms al arty lime and 1d any rea5011, eYeh N yW are itf11 NI delauN. A 51r5penabil d yW r account tan be perrranenl d lampdary. 11 Your account h cbsed d suspended, You must stop using your credit cam and accdmt. Vou must also cancel all preaulhtorizad bilNng ananpementa 101he account. We wiN not do iMS Id you. II we cbae d pemarrenlly auspsnd your account, You must also destroy aN credt cards and account access checks. Vou mutt still pay aN amounts you owe us on 1ne account, even N Ihey were charyed aver yoga account is closed d suspended. 7. Making Payments. Paymens you maN to uc vrill be credited to your xcouM as d the business day we receive N, provided (t) You send IM bonds poribn d this stalemeM and your check in me ercbsed remNtante envebpe and (2) your paYm¢M tr received in our processing tenter by 3pm ET (12 noon PT). Please arrow m least five (5) business days for postal delivery. PaymeMS receWed by us of cry other kKalion d in any dher form may rid ce dedNetl as of the day we receive them our business days are Monday Ihrotgh b. Notice About E»dronte Check Conversion. When you provide a check as payment, You authorize us either to use Inlorrnatian Nom your check to make acne-time eledroMC IuM Iranster from your deposN account d Io process Ise payment as a shark tronsadbn. WMn we use irdorlnalion from your check b make an eledrdlk fund transtd, funds maY b¢ Withdrawn from Your deposN account oen as IM same say w¢ receive your payment, ant you will rid receive your check bark from your linanctal nslNiltiOn. Vour authMZatidt is rat limited by the dale On the check. Wa may resutx++it and elecironicaly coiled relumed paymeMS. 9. Bankruptcy. If you era entitled to bankruptcy prdxtidis td yWr account. IhiS <ommunkatton i5 only 1d inlOmYfllonal purposes. 11 is rat an atlenlpl » Cdletl, assess d rxover a debt d claim. Do rid earl any D¢YmsMS direly 10 Ue wilhoN speakbg with your W nkmptcy .homey d the Bankruptcy Court. 11 you want 1o contact us aDOUI your account d your bankruptcy prxeeding, lease have your anomeY oonlad us. }BILLING RIGHTS SUMMARY (In Case of Errors d Ouestarts about Vour Bilp It you mink your bill is wrong, d N you need more inlormafan on a NansaMbn d bill, came to us on a separate sheet as soon as possible al Ina address fd irpuines shown on the brad of th¢ slatemeM. We must near Iran you M later than 80 days anal we sent you Ile Lust rill on which 1tw ertd or Problem appeared. Yea tan wN au CusWrrer Relatarls number or ndNily us by en+all or websNe. Dirt ddng so will not preserve yea ngMS. In your fader, give us the ldbwing IMOrrtalion: your name and account number. the ddlar artaunl of Iha suspected ertd, a descnplbn of the end and an expknal'an, N possible, d why you Detkve there is an error, d N you need more inlomalbn. a descnplion d 1M Nam You are unsure about Vou tlo rat have to pay arty amount in question while we are investigating N, but you am sIW odgated to pay the pans d your Dill Ina1 are rid in question. while we inveslgale your question, we wood report you as delirqueM or take any xtion to tritest the amount you question. t Spxlal Rule for Cr¢dN Cant Purchases N you nave a problem vdln the qualiy d Ixopery d servkes that you purchased wNh a cretlN cant and you nave Irkd in good faith to Cofreti the probem Wiln 1ne merchant, You maY nave IM right rid to pay the remaining amount due on the property d servkes. Vou have this prdeclion any when the purchase Price was mare Than 550.00 and the purchase was made in your none sla» d witMn 100 mNes of your melting address. (II we own or operate the merchant, d N we nailed you Ina advenis¢menl for the property or servkes, all purchases are covered regardless d amount d bcation d WrchaSe.) Please rememDM to sign an cortesporderce. t Does rid aPPh'» business accounts Capital One supports IMOrtNilon pnvary Drdedion: see our websNe al www caoaalone tom Capital One is a tederoly registered servke mark of Capital One Financial Corporation. All rghfs reserved. 9 2008 Captal One Changing Address? Address ................ Home Phone Alternate Phone ........................... E-mail Address ........................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure © we process your payments smoothly: ~ Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Capit~ - /wlrat's in your wallet? NOT PAYING YOUR DEBT 500013 DOESN'T MAKE IT GO AWAY. In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call o' pay the amourn due on your statement by the due date to eliminate the risk of being charged oti. © i/OOJJ CO(/if/+1 UIIC 5011+CB. I/!f. CJ~/Il4I OnC ii U/rdrrv!!y rfRinrnd +nvitr m.+rk. Al! .iAhu rrnruc4 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,596.03 - $0.00 + $26.11 + $78.00 = $1,700.14 $500.00 Dec. 12, 2008 Oct. 18, 2008 -Nov. 17, 2008 Page 1 of 1 ~ c r.J r ezr o_: sr i recr mrs nraruta Visa Platinum Account 4121.7470.44642835 ~/NoHassle Your Account Information REWARDS' TOTAL CREDIT LINE 52,000.00 TOTAL AVAILABLE CREDIT $~-~ CREDIT LINE FOR CASH 52,000.00 AVAILABLE CREDIT FOR CASH $299.86 'you're behind br six paymerds. Il we drarge oi' your aa.ount due fo Iefe « missed r.aymenls, finance chant' s a•ilI «~nlinue ie accrue. Ad ncv to prevent tlfa Uem h:;~erinq. Fk:ase ray thz minimum pa~•ymc~nt amonnl nn you staiemerd «give us a rll at 1.4C0.9:v.GCxtC.'J:? re here Io help Take ccnfr~ cf yoJ~r rreiSl with Capi';:I Gr:e. "Important IJotice" Under the Perms we previously discbsed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immedialefy. Fbwever, Capital One has elxled not to raise your APRs at this Time. Please be advised that it you fail to keep your account in good standing, Capital One reserves the right fo raise your APRs in the future. Finance Charges (Please see reverse for important intwmation) Rewards Summary Balance rate Periodx: C«respondng FINANCE Previous available balaxe: 473 0 applied to rate APR CHARGE Eamed this period: Purchases 51,618.fi2 0.05203% P 18.99'% $26.11 (reRects trxl5actiorK posted during this hifrg cyc~) 473 Cash 50.00 0.05751% P 20.99% 50.00 Available Balance: ANNUAL PERCENTAGE RATE applied this period: 18.99% Payments Credits & AItlUStments At Your service • cow wuw.caoitaLxte.com to manageycur aooornl, Q a Cat t-800-9aS7o7o w sport a bsl «stokn card «speak ro asbmar ' Transactions Reml ons 1 ti NOV PAST DUE FEE ~~~ Pay Online at www caoitaixJe.eom ar mailyour payment b: 2 17 IJOV CAPITAL CiJE IJEEABER FEE ~ ~ ® Capital One Bank (USA), N.A. • P.O. Box 71083 • Chabtte. NC 28272" 1083 You were assessed a past due fee because your minimum payment was not received by the due date. To Send Inquiries to: avoid this lee in the future, we recommend that you atbw a1 least 7 business days for your minimum e Capital One P.O. Box 30285 • SaM Lake Oy, In 84130-0285 payment to reach Capital One. Manage your Rewards online by visiting or Cat 1A00.228-3001 ® Have a question about a charge on your statement? Please refer to the &Iling Rghts Summary on the back of your statement «visit www eadtalrx,o nom/d5oules PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO wMNJ.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE. - 1 4121747044642835 17 1700140050000500009 Gapllaj Account Number: 4121-7470-4464-2835 Due Date New Balance Minimum Payment Amount Enclosed Dec. 12, 2008 $1,700.14 $500.00 PLEASE PAY Ai IEASf THIS AtAOUWT g9032469979524816i1 HOLLY ROBERTSON 2103 nAYFRED LN CARP NILL, PA 17011-5433 rnllnlhnrllrlllllr'1111'lllrrrrrlll41111'hIIIIIIIrtIIJr Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay online anytimr-no more checks, stamps or clutter. 0 Moving? Change your addrezs online or on the back. e Help save the planet-Go papcrlesz. Q Sign up at vvvuw.capitalone.com. Capital One Bank (USA), N•A• P•0• Box 71093 Charlotte, NC 29272-1093 nlllh'lllrrnlllrlPlllllllrrllulr'll'I'lll'll"II111111'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON t. Now fo Avoid a Finance Charge. a.Grace Period. vw will nave a minimum grace period d 25 days wahout finance charge on new Purchases, new finance transfers, new special Wrchases ant new other Charges H you pay ywr Idal "New Baance`. in accordance cash the Important Notice for payments bebw, and b Ilrre for H to be credited by Ywr payment tlue eels. There is no grxe period on cash advances and special transfers. In atldition, (here k ro grace peAOd on any transaction H you do not paY the Idal 'New Balance." D. Acuukq Fbarae Charge. Transadiora which are rat subjecl to a grace period are assessed finance charge 1) Iran ine dale o11r,e Iransacion a 2) from Ina dale Irw trarisacfbn rs praessed to your Account a 7) horn the fret calendar day of the curteM billing period. Addilknaly. H you did not pay 1he'New Baance' from the previous bilgng period In full, fxlanCe Chagas continue to attme to your unpaid balance until the unpaid balance is paid in full. This means Ihet you may slig owe finance charges. even it yw pay the entire New Baanca Indicated on the front d ywr staternt by Ina payrteM due date, but did rid do so for the prevous rraMh. Unpaid hnance charges are added to the appkcade segment d your ActwM. c. Minirtum Finance Charge. Fa each filling period That ywr account fs subject to a tirence Charge, a minimum tdel FINANCE CHARGE 0110.50 will b0 imposed. d. Temporary Redud'an in Finance Charges. We reserve the AgM to not assess any or all fnance charges br any gNen ogling pBAOd. 2. Arerage Dairy Baance (Including New Purchases). Finance charge k takuated by muaipyirg the dairy baance d each segment d ywr account (e.g., cash advance, purchase, special Transfer, and special purchase) Dy the carespondirg dairy peAOdic tale(s) Thal has been previousy disclosed to yw. At fha eM o1 each day dudng Ina billing pence, we apply the daffy penodk rate for each segment d yow account to the daffy balance of each segment. Then at the end d the pilling perod, we add up ' the reruns d It."_ -defy cekuaTions to amve at yow periodk fnance charge for exn segment. We add up the ~''. resuas from eacn segment to aMve at the foal periodic Tnance charge to yow account 7o get the daffy balance for each segment d your account, we lake tre beginning baance 1pr each segment and add any rlew Iransadions ant arty penodk finance charge cakulsfed on the previws days balance for Nat segment. We inert sublmd any payments or Credits posted as of that day that are albcated to Thal segment This gives us the separate daiN balance for exh segment d your accwnt. however, H yw paid the New Balance shown on your previous slalemeM in tug (or H ywr maw beance was zero a a CredH amunt), new lrareactions, which poll To ywr puchase or spxal purchase segments are not added to the defy balentes. We calwate Ina average daffy balance by adding all the dairy balances together and tlrvbing the sum M the number d the days M the curteM billing tyck. To pkuiafe ywr Idal hnance charge, nuaipy your average dairy balarae by the dal y penodk rare and by the number of days In the billing paned. Due b rouMirg on a daffy basis a due to rrvnimum fnarlce charge assessment. ihMe may ce a variance between this cakuatbn ant the amount d finance charge aduany assessed. 3. Mnuai Percentage Rates (APR). a. The femn'Annual Percentage Rate" my appear as `APR" on Ina front d this slalerteM. b. H the code P (ouaneny Prtme), L (OUaneAy LIBOR). C (OUanery CD), or S (Bankcard PAme) appears on the front d INs statement next to the perbdk rate(s), the perfotlk rases and cortesponding ANNUAL PERCENTAGE RATES may vary quavery and my Intraase a decrease Dried on Ina elated bdices, as found In The Wall Street Journal. pus the mrgin previously discosed to Yw~ These changes will be eHedive on the f rsl day d ywr bigirp period covered Dry your penodb slalemenf ending b the rtamns d January. April. July and OcloDer. c. Ii the code D (Monthly Pnrre), F (MOMhy LIBOR). or G (Treasury LIBOR) appears on the 1ron1 d your statement neat to the periodk rate(s), the parodic rases and comespoMinp ANNUAL PERCENTAGE RATES my vary monthly and may Increase w decrease based on the slated btlices, as lours In Tne Wall Street Journal, pbs the margin prevbusy disclosed to you. These changes wiN be emxtive on the first clay d ywr billing period each ninth. s. Assessment d Late, OvenimYi ant Returned Payment Fees. Udder the terms d ywr cuslomr agreameM, we (eaeNe the Aghl 10 walV@ a 1101 b 9aa6ea ally lees withON prior naifiCatbn to yw wtthoul waiving car ngM to assess the same or similar lees a1 a later lime. 5. Membership Fee and Rerrewfnp Vwr Account. H a membership lee appears on Ihis statement we will dada the tee H yw request to cbse yow xwuM within 30 days d Ina mailing d thk statement. Vou may continue to use the account during the 30 say pence before your request. 1/ yw do not pay aH charges owed on Mis account cash in fro days, a H yw use Your cred'd card or account after yw request to Cbse, any mmbership lea prevbusy waived may be relnslated b ywr account. 6. Closing or Suspend'ng four Account. You may request that your aceouM ce cbsed by caning a writing car Customer Relatbns DepaAmem. At the lime d ywr request, we will provbe yw with add'a'anal details on Closing your accwnt This may Include payment intomlalion. If yw use your credH cant aWrges post to ywr account after yw ask us 1o close ywr accwnt. we cx keep ywr account open or reopen il. We may dose or suspend yow attouM ant ywr ngnl to oMain creed. We may do this at arty tinge and for any reason, even a yw are not in defauH. A suspension d ywr accwnt Can Oe permneM a temporary. tt yaw xceuM n cbsetl or suspended, you must stop using ywr aedH care and account. Vw must also cancel all preaulhonzetl bilkng amngements fo Ina account. We will rid do Air for you. I1 we cbse a perm nenty suspend Ywr accquM. You moat also destroy alt creda cards and account access checks. Vw must s1t11 pay alt amounts yw owe us on the accwnt. even it They were emerged aver ywr accwnt K dosed or suspended. 7, Making Payments. Payments you mil to us will be CredHetl to your account as d the business day we receive H. provided (t) yw sent the DoHOm ponbn d Ihh statement and your check in the encbsed reminance envebpe and (2) ywr payment is received in car processing center by 3pm ET (t2 noon PT) Please allow al keel five (5) business days for posfai delivery. PaymMS rxeNed M' us at any other btalion or in arty other bmn my rtd be credited as of the day we receive them Our business days are Montag 1MOUgh 8. Notice About Ekctronk Check Conversbn. When you provba a check as payment, you awtanze us either to use inbmution from your check b make a one-time electronic fund transfer barn yow deposes xcouM or fo process Ina payment as a thxk lransadion. When we use informibn Tram yow ehxk to make an electronic fund transfer, funds may be withdrawn Irom your deposes account as scan as the same day we receive your payment. and you will not receive ywr check back hen your freNdal inslHwbn. Your aUlhonzafion n not limited by the date on the chxk We may resubrril and elethonkely mlleM returned payments. 9. Bankruptcy. li yw are entitled to bankmptty protxtbrs 1a your account, this tommunkation rs crag for inlomntlwal puryoses. h K rat an anertpl to coged, assess a recover a dent a claim Do rat sent any payments dirxly to us wHMw speaking wkh your bankruptcy enarey or the Bankruptcy CwA. li you want to cgnlacl us about your account or yow bankruDlcY proceeding, please have your adomey coned us. tBILLING RIGHTS SUMMARY pn Case d Errors or gxslions aboN Ywr Bill) tt you mink ywr Dill K wrong, or H you need more imomution on a Irensadbn a bill, wMe to us on a separate sheet as soon as possible at the address to inquiries shown on the front d tnis slatemeM. We must hear from you no later than 60 days amen we sent yw the 8rsl MII on wnkh the errs or prdxerrt appeared. Yw can cell car Customer Re1a11oru camber or ralHy us by email orwebsHe, but doing so will not preserve ywr rights. In ywr le8er, glue us the folbwing iMOrtrolbn: yow name and xcount number. the ddar amount o1 IM suspected eras, a descdptbn d the ertor and an explanation, M possible, d cagy yw bNkve there Is an ertor, or H yw roved mre IMOrmatbn, a descnplbn d the Hem yw are unsure abaA. Vw do not have to pay any amount in question while we are investigating H, but yw are slDi obligated to pay the pans of yow bill foal are rid in question. While we investigate yow question, we wnral report yw as delinquent or lake arty xtion to cdlecf the amount you question. t Special Rule for Cred'n Card Purchases H yw nave a Drcekm with the qualHy d property a seNkes Thal yw purchased wHh a creda cerd ant yw have tded in good faith to coned the prodem with be merchant, you my nave the ngM not to pay the remiNng amount due on the property or servbes. Yw have Isis prcledion crag camera foe purchase pace was more then 150.00 and the purchase was made in ywr Aare stale a walin f 00 miles d ywr mailing atldress. (H we own a operate the merchant, or H we roiled yw the advenisemeM for the property or services, all purchases are covered regardless o1 artaunl a laalbn d purchase.) Please remember to sign all cortespaaence. 1 Does not apply b business accounts Capial One supports inlomutbn privacy prded'an: see car websae at wrc:: eacn' ate! n yore Capaal One h a federagy regMereO servke mark of Capital One Financial Corporation. All rights reserved. 02008 Capaal One Changing Address? Address ................ Home Phone ................ Alternate Phone ................ E-mail Address ................ Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure © we process your payments smoothly: ~ Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. o '~ 0 0 ~o I 0 00 0 rn o w 1 1•, o v~o 1,'1 O O d' N I rn0 •• Q ~ rnOO = I i0 • O ~ •• V 1A ~ W O Q M M 1 r-I 'H LL ~ .. N V U ~ Z N 1 d' ct a Q w~ 1 Z my W d' H f O I l7 Td LL OO Q O Q K Z n I a o 1 w ~ ••NJ••LL 00 K~1 X N O O Z e--1 Q 2 Q N I O .H a H K 0 0 V .H H O W 1/1 0 0 C I F J O O O LL Z U••O a00 I ~F-. ..LL Qrn01 D O I Z 0 0 0 0 \ QOOZ 1 2co0 U I K 1 H O K~-IN co ZF-Wa W 000 ~ 1 VOO w O O ••IDONFa' ,Hm HO 1 N W o0 U Q OC W O O Q N j X O I n .-I Z lD O 1~ U . F- ~-1 e--i Q N O O N N N I N1~ O Or-I N Vt In Q M a I ,~ m w O woo I a •• F . Hol I ~oo ~ "' zo .• O •• O VI 0 0 ~ I co LL J O O •• M O rn O I J J Uf~-"MO ~M I p W Q•• V H Z W O Q N W I J OCO~ I 0 LL O d H~ O ~ N ~ Z I Q^ \ V a F m I ri O W .-1 I- .-i } V1 Z V I l7 •• O 1 H Z •• m W O W •• 1 Q 1 V12 WO d'~l7 •• -~ ULLN a O I ~ UO m o C Q W W O I I d' •• 1 d~ W ZQ V Q V V - d'Q J VIU H Z O O \N N I Ho 3N Q uoo LLO NZ H I ••O a'JrIN xOml-20•• F-000 ' VIO cDHUOa •• m00 H •Infl-OWV1N 1-00 Z ' JOVIHQ LLHO ~ F t7w J3••Inwo 1 ~ z 1 aZOCO a Q W x 2 W Q d' I d VI Z d' H W a•.s~ ~ 1 oC W VSO U d O I Z '~ I W O W ~--I W J ~ O Q U .. ~ O 1 H 1 O I H •• 1 H ~ V N~ Q F Q VI Z I/I H ••MHW KOH G1 Q 1 N f V I LL Q F V I Q Z I C V I LL •• W Z Z Z .~ ~~ V L ~ W W I W F} L VI f W J InHQ and J 316 LL I U M p a p a Q a V } ooW Omt7 w l U W ~ J f .. V U~ O I W lD o2J f•• Z J W Z VI-HJ Z~V ~ 1 O V Z Z> '• O Z W Q Q I J LL 2' I ~~ f d Q Z 1 f '- O N n Q H H .••1 a 0 o V' w z I a N O W ••O l7 H Q .--1 m W K 1 U VV~DVH••Q •• ~ rlio a}xa w I ~• n O a u J m D O -O I O W j I dOr10W VZ0 QI~b90 V10 Z I V~ N O Q} W W 1 ~., w v x ~ ~ z ~ F O I 0 ooa I w 0 0 0 ~ F- ~ I O O Y W Q Z Z r -/ F- LL I Ol ••ZZZd OJ O Q M O I ,H W H O A ~ K W •7 Z I I~ O VfxWZ ••O WK v+ O r-i •• Z H K Vl H m LL J e--I H I ••JQ Jd ••O I OY J.•~ F- Woo ~k OQJ I >ZOHW a QH0 VF-O I HmQI-• J 1 l,7 f Sty QQO W I I m H •• •• O W Q } ~ t!1 ON 1 J ~~ I O 2 2 m V f J r -1 d Z Z N ~ W d~ ~ K K I } N QQIn W O K Y V OC 1d~F-f-r-/ 1 fNlU U .-i . QdZ VI-Q mdf X J~ E aJ NI r-1 O 0 N' O r-I r-I O O N I m V OQ I N m ao Ol N 0 O O O O O Z .-1 Ol a ~ Spread t®o thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One° balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-877-~76-7939• 500023 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance tAinimum Payment Due Date `$1,822.46 - $54.00 + $33.82 + $49.00 = $1,851.28 $55.00 Dec. 12, 2007 Oct. 18, 2007 -Nov. 17, 2007 Page 1 of 1 ~ • PLEASE MY 4T ItAST THIS AMWki ~~ Visa Platinum Account 4121.7470.4464.2835 ~/NOHassle Your Account Information REWARDS TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT 5148.72 CREDIT LINE FOR CASH 52,000.00 AVAILABLE CREDIT FOR CASH 5148.72 Finance Charges (Please see reverse for important information) Balancerale Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,831.56 0.05956%P 21.74% 833.62 Cash $O.DO D.06504% P 23.74% $D.DD ANNUAL PERCENTAGE RATE applied this period: 21.74 Q At Your Service t-800.95S707D To wll Customer Relations or to repon a lost a stden card' ® Send payments lo: Capital One Bank ~ P.O. Box 70884 ~ Chadolle, NC 28272-0884 e Send inquiries lo: Capital One ~ P O. Box 30285 ~ Sall Lake Cay, UT 84130-0285 For more information on your Rewards: ~~'d Visit: www.wpifabne.comlponlsrewards Call: 1-800.228-3001 Rewards Summary Previous available balance: 473 Earned this period: 0 lrelleds transad'xxrs polled durirg This billirg cycle) Available Balance: 473 Payments Credits 8 Adjustments 1 12 NOV Cap 1 ElectronicPhonePmt AulhDale 12-N OV 554.00- Transactions 2 12 NOV CAPITALPAY TRANSACTIONFEE 510.00 3 17 NOV CAPITAL ONE MEMBER FEE 539.00 Capital One Home Loans oilers a variey of no hassle home loan products, including first modgages, refnance and debt consolidation loans, as well as home equity loans and lines 01 aedil. Our team of experienced professionals understands Thal your situation is unique so your ban solution should be 100. You II have the one-on-0rle attention of the same personal loan consultant Iran call to close. Visit www.wpitalonehometoans.com is more inionnation. Capital One is an Equal Housing Lender. Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the Dack of your statement or visit www caoitalone comldisoules. 6056 506 1 07 17 071117 PAGE 1 of 2 O1DM6056 PLEASE RETURN PORTION BELOW 1NITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE C'aprta/~12~ what's in your wallet?- New Balance Minimum Payment Due Date $1,851.28 $55.00 Dec. 12, 2007 4121747044642835 17 1851280054000055005 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70884 Irlrrlt rllrrlrrlrlirrl Charlotte, NC 28272-0884 Inlrllnlurlrllnrlnltlltnrinlrlnlnlullnlnlnllnril Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address @ k9032269979529810i3 MAIL ZD t4UMBER HOLLY ROBERTSON 2101 nAYFRED LN CAnP HILL, PA 17011-5433 IurlllnrlllnnnllnrllrlrlnlulntlnrllrNuunlltlnll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. i. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, callus at T-877-q 76-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. y. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. Now to Avdd a Finance Charge. T a. Grate Parlod. You wiz have a minunum grace peiod of 25 days witnwl f nee charge on new purchases, new bounce hansfers. new specal purchases and new other charges N you pay your total'New Baance ; in ace«dnce with the ImponaN Nolke for payments bebw, arW w INne for it w x wedded by yea payment due tlale. There i5 rq gace period on rase advances ant spedal Vanzfers. In addxbn, (here u ro grace period on any 12nsaclion it yw d0 rwl pay the Iotal'New Daknce.' p. Accruing Finance Charge. Tunsaaion6 white are noI subjen to a grace Dedod are assessed rwnce charge t ( Irwn Ine dale d the IrenSaclion or 2) Iran the dale IDe lran58Uiun is prua:s5ed Iq y0ur Arruunl w 3) Irwn IDe foci plerWar day d the rLrreM billing period. Addilionalh/, p you dW na pay me `New Balance hom the peviwa hiNing period in (WI, finance charges rallinue to artutre ID your unpaid Dekrrce until Ihv unpaid balance is paid n fud. This means Thal you may saA owe tinanre charges, aver N you pay Me snare New Balance indiL,kd on the IroM D( you 6lmemem M the paymem aqe dale, cal and na ro so 1« Ine prevbus month. UrpaW finance charges art aadea to Ine applirsbk segrrcM d your ACLOUM. } r.. Minimism Finanee Charge. Fu rarJr hilkng period m»I ywr accouN tt zubjetl to a 6rwroe Uage, a miramum foul FINANCE CHARGE a 50.50 will be 'anposetl. } d Tsmp«ary Reduction in Finance Charge. N/e reserve the rghl to na assess any or aN fmanm charges I« any given Dildnp period. ' 2. Averspe Daily Balance Oncludinp New Purchases). Finance charge is Ukulaled by rwil'glyinp the daily Daunts of each sopmonl 01 ywr account (e.g., cesh advance, ~, pwdsase, speGUl Imnsrer, arW special puchase) by Ine corresponding daily pwiodk vale(s) that has been previously di5closetl to you. AI the end of each day tlueng the bilhrg peiod, v+o aDWY mo daily periodic vale car Dach segment of your arcwM to fhe daily babnce of each sapnronl. Then at the end of the billkg period. we add up fhe reruns of These dairy calwklions tp arrive el ywr periodic !manta charge fw eafh segment We add w Iha resldl5 kom earn segment w ardve al the weal periodic fnance charge Ica ywr account. To Oel fhe daffy baursce for exh segment d ywr avnunl, we uke IM beginning bounce fa eaUs ' segment and add any new bansxlbns and arty periodic 6ndnce Lharge ralCUlaled On Iha preripUS day S balersce i« mat cegmcnf. We Iran control any paymens or uMes posted as d au7 day Ihst are alloraled w that segment. This yives us me snperak lazy Daunrzlu each seymnN ul you account. However, it yw paitl the New 8alm,ce shown nn yow peWOUS 6utement in tuA (w if ywr n w bounce was zero w a cell artquM), new Iransaukons,esvhkh past to you puUuu w special purd,ase segmeds arc not added IU Inc daffy balances. car LaIOUlale Ilm average daffy hale 2 by adtling ax Ilw daily haunuu together and dividing the sum Dry the number of Ine days ks the curteni bximg cycle. To cakulele ywr total finance charge, nvlliply ywr average daffy bdance by the daily periedk rare and by Ine number of days in dw blpinp period. Due to rou,dk+p on a daily basis w due b minknum finance charge assessment, there may be a variance DeN.een this cakulalion and the mount of finance charge aclualy assessed. 3. Annual Percenuye Ra[es (APR). a. Tlxs krm'yumual PereeMage Raln' n,ay appear s'APR' nn IM Irnnt M This 5ulemenl. b. II Ine code P (Ouanerly Prime), L (Ouanery LIBOR), C {oaanany cD), «s (Bankwrd Pdme) avvnas rm u,e hoot or uric slalemem neYl w n,e pedudk valets), me pariuGc rotas and cnnesDO^ding ANNUAL PERCENTAGE RATES may r,ry quarledy and may inrieazc «decrease based an Uk elated indices. as found in The Wall Slreel Jwrna, plus ace margin Drevkudy d'¢dosed to you. Thane duugas wig be elective on IDe first day of you apkg period covered Dy you perkseiL sLttemM1 ending in the mmms nl Janu»ry, April, JWy and Odober. c. II Iha code D (MUnNdy Prime), F (Mwaniy LIBOR), ur G (Treasury LIBOR) appears on liw Iront UI your sulemeni next w me perkxlk rate(s), the per'uWir. rake one crnrespondinq ANNUAL PERCENTAGE RATES may vary onllsly antl may inueese or dewease based on the sleled indirbs, as luwW b Tha Wall Street Jwrnal, plus the margin geviassly d'udnxnA In you. TheM changes wxl M ededire on Ina 6x51 day d yow biding gedne wad, mmm. 1. Asseecmenl of Lale, Ovenimil and Raiumed Payment fees. Under IM farms d yow wsfunror eyren ant, we reSeNe the right w waive OI na b as6e55 any lee6 WilDpw prior n011(Calipn ID yw wishwi W]IVHIg our right to aSSeS%Ih! same w similar lees al a Ialerlime. T S. Rerrewinp You A<counl. II a membership fee appears on the Imm d ywr swwmcM, you haw 70 days ham me doe Iha sulemenf was m,ikd to yw b avid paying the lee or Io have such lee credited w you a yw ceuel your »ccwnl wiawul having to pay the rnenlbership lee. To cocci ywr actaml, you must notify us by W Airg ow Cusomer Reulian Depanmenl arW pay your'New Balance' in lud (evUWinq fhe memberstvp tae) Deor to the erW of Ine midyday period. 6. l/ You Close Your Account. You Lan request 10 dO6e ywr a OrAUn1 by Ulkng car Customer R»Iaiions Oepanment. Vw muss destroy yow ued'n card(s) ant account a¢ess dtecks, cancel ad preaulhodzed bili,g and rcase using ywr account. Aher ywr repuesl to cbse, i/ you continue 10 Vansad a do not cancel preawhorized b(Ning arrangenunts. we will cMSider maid n1 a charge yrsw awhnrizadnn In keep your count open. Addoiona Ay, your uhf wilt not De closed ucld yw pay all srra»lnls you own us indudkg: any transaeuons you Nava awnwizad, Iksence d,arges, pass due lest, weramh I x5, rnumerl payment lees, robe neranr.. lees ant any other lees assessed b your account. Yw are responsible for These arnounls wlrelhu They appear on your dLIXMtI al Ine lime y0U rCgUe51 lu UOSa the a[wpnl W they rr r z~~sequrm b yasr mquexf m dose the X.carM This rroy result in dargts »ppeadrg on your acmunl »Ner you hove requested the xmunl to be dosed. 7. Using Vour Account. Your card a acwuni Wnna De used in WnneLlion with any Inlemel gamblirg tranSDGiMS. 6. Notke About Elec/rook Check Conversion. NTen yOr! DlDVide a LhCCk as pJymenl. y0U aahOeae u6 either IU u5C inlwmakun Irpm your UaLk iu make d case-lime electronic toed Transfer Iron your Dank account or to process IM1e payment a2 a Chepk lydnsdLlka,. wnr11 wC Use infwmalion Irom you duck to make an eleclroni0lund iran5lrr, Iwltls nay be wiUWrawm hum your bank account as soar as me same day •we receive your payment, and you will Irol receive your Check Dark hom your fxnncial knfilu6on. BILLING RIGHTS SUMMARY fin Casc of Ertas w Ouosliwu about Your Bill) II yes Think yew Nd is rrmng, or x you neeA m«e inf«malinn nn a ttansauion or Dill, write to us on a separate wheel as soon as yussible el ihn address Ica inyuines shown on the Irunl of This sfalemen[. We nwsl hear /rum you no later Nun 60 days aher we eel you The. IiMI bill on whin the ertor or prMUem appeared. Vnu an call our Customer Relations number, but doing so will not preserve your nghls. In your letter, yive us Iha lollowiny inlwmadw[ your name and account numisrr, Ine dWlar amaaa ni the suspected error, a deecdPlinn a the cure AM an eapunation, it ppssiae. d why you belkve there is an error; or N you need m«e information, a descdylion of the item you are re about. Vw du not have lu pay any anwunt r quas6on vrhile we are ktvesfgadng II, huff yw are still ,ybligaletl to pay the pans of your bill Ih t are not 'm queulon. Wnik we Investigate your queslim, we cemot repot you as tleknpuenl «uke eery action w aNINLI the amwnl you quaslkn. T, T $pDLial Rulc for Crcdn Cant PurLnasos II you have a problem with me gwlgy of progeny or ServIfPB mat you purchased wish a uedit card and you have Ined in pond faith to carted Ine problem with me merchant, yw may have Ine right not w pay me rranaining amwM duo on mu popeny or ecrvicos. You nave This prdxaon only when me purchase price was mare than f50.00 end me purchase was made in your home sole a within 100 miles of your madirp address. (II we own w operate Ine merthani, w e we rtHiletl yw fhe adveni5emenl car mC progeny a services, all purchases era [pver,ed regardless el amt or location of purchase.) Please remember io sign all cormspoMence. T Does rot apply l0 ronsumer non-credd card accounts !7005 /Mf Jpplf 10 wSinCS6 nOn-curds CJrd DLCOIMIS Capful One suppons inlonnalion pnvaty yroleclion: see cur V.Cb5i1C al vrww ra0ilika,e.LUm. Capful One R a Iederally registered service mark of Capful One Financial Corporation. Ad rights reserved. O 20Dti Capital Une TC-Od Irrponanl Ndkr. Peymems yw max b us wit be credxed b your a¢aml as a the wssneu day we recdve n, gaEed (1) you sent the Ironam pMbn a tNS slalemenl and your daa h the endured lemauna envebpe and li) you payment is received in our gaessing center by 7 p.m. ET (12 noon PT). Please allow al least foe (5) W skew days Ia pvsW delivery. PaYn'anls re¢Netl Dy ua a1 any aher klcalion a k airy olho lam may na be ge0ited as a IDe day we rzaive Them. Our business days are Morbay Through Saturday, eadudirg naieays. Please do na use staples, papa dip6, et. when gepamg your payment. MOLLY ROBERTSON z~m MAYFRED LN CAMP HILL, PA 1701-5433 Dore Use byDecember3r, zoo? 1°°359 12523 68-7z7o/z56o °99°4-°1 Pay to the order of MOLLY ROBERTSON ~` Dollars ~'apita/Qfq~ Richmond, VA Memo Purchase Check 11.1252311• r: 25607270i1:750~499700D6511' 6056 506 1 0717071117 PAGE 2 of 2 OlDM6056 )ust write a Capital One® Dear MOLLY ROBERTSON, k! h Ch P You have things to do. And now you have an easy, convenient Financial tool to help ec urc ase you get them done-Capital One Purchase Checks.* Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no-transaction Fee! thing5 y0U Want t0 CIO... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. Whether you use them for cash or purchases, you won't pay a transaction fee when Remodel your home you use these Capital One Purchase Checks. Save time and money. Pay tuition Use your Purchase Checks to transfer higher-interest-rate credit card and loan balances. That way you could have fewer bills to pay each month. Plus, you could paV less interest. Boolc flights and hotels You've got things to do...get them done with these Purchase Checks! Thanl<you For your time, ~-~--~ '~'~+~ ~ Pay same bills ~ I ~ ~ 5 t0~ t ~)F~-~. ~~ ~ Get cash for things you ~ ~ _`~ P. Taylor Jamison '~~' want and need Director of Accounts "^~ P.S. You can use Purchase Checks just about anywhere! Please remember to use Want to transfers balance now? them by December 3t, zoo7. Call ~-800-935-7070 or go online to +ptease see the reverse for important information about using these checks. https://rronsjerbolances.capirolone.com/of jers. MOLLY ROBERTSON z~o1 MAYFRED LN CAMP HILL, PA X7011-5433 Poy to th e order of 09904 100359 1252!} 68.7z7o/z56o o9go4-or S~ Dollars Purchase Check C'apitalQy~• Richmond, VA Memo Date Use by December3r, zoo7 u' i 25 2411' t:25607 270 ir:75D i499700D6511' T m 0 m w G m 0 0 O T G1 O 9 Z O S N A m n n m< U! - m . <: m - o r O~ 9 j m - z 'z~ o- >~ ri 2 -Ni [ ~ r Cr _~ r O ' Z: C = Vl r mr Got questions? We've got answers Purchase Checks Balance Transfers Q: What is the APR for using my checks? A: The same as your APR when you make a purchase with your credit card. It's easy to get some extra cash for this busy time of year. lust write one to yourself, and deposit it in your checking account. Q: Is there a transaction fee? A: Nope! There's no fee. (No kidding.) Q: What can I use my checks for? A: Use them wherever you'd use your personal checks-and get the same great rate that comes with your Capital One card. Or, use them to save yourself some money! Transfer higher-interest loan and credit card balances to your Capital One account (just not other Capital One accounts). Q: Are these checks hassle free? A: You bet! They're accepted wherever you'd normally use your personal checks. You can also use them at places that don't accept credit cards. Talk about convenient. Q: Why would I want to transfer balances? A: How does saving yourself some money sound? Transfer higher rate balances to your Capital One card and you could save money in interest. Consolidating your debt also means you could make fewer monthly payments. So you save time, too. Q: What kinds of account balances can I transfer? A: Personal loans, student loans, auto loans, home equity loans and others, too. Basically, anything you've borrowed -except balances from other Capital One accounts. Q: How do I transfer balances from other accounts? A: It's easy! Send the enclosed check like you would a normal payment. (Just don't go over your available credit line.) You can also transfer balances online at https://transferbalances.capitalone.com/offers. Or call 1-800-g55-7070 and we'll take care of the rest. Q: If I transfer balances, will my other accounts be closed? A: No, not unless you contact your other creditors and ask them to close them. Purchase Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (b) Cannot be used as a payment on any Capital One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) qualify as using your account. (9) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. © 2007 Cayitnl Onr .Srrvirrt, Inc. Cnyiral O»r it a )`rdrrelly registrrrd urvirr rrutr~. All riglut rrJrrurd. T m 9O D 9 m N D 2 m ~ V1 "~ m 4 m -~ o m T y 0 y an _T Z ~ Z ~ C7 ~ N r ~ 2 2 ~ m ~ m C ~ ~ ~ Z ~ C = ~ N m~ D m m 0 a O T O m 2 O N D m 47 O n 500023 ~ ~ Spread t®a thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One9 balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call i-877-476-7939• FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,851.28 - $55.00 + $32.94 i $0.00 = $1,829.22 $54.00 Jan. 11, 2008 Nov. 18, 2007 -Dec. 17, 2007 Page 1 of 1 PLEASE N4Y Ai MAST iN15 AMWxT ~~ Visa Platinum Account 4121.7470.4464-2835 CAfoHass/e Your Account Information REWARDS- TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $170.78 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $170.78 Finance Charges IPeease see reverse for imponant intormation) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,843.44 0.05956% P 21.74 % 832.94 Cash 50.00 0.06504 % P 23.74 % $0.00 ANNUAL PERCENTAGE RATE applied this period: 21.74 Q At Your Service 1-800.955.7070 To roll Customer Relations a to repot a lost a stolen card: ® Send payments to: Capital One Bank ~ P.O. Boz 70884 ~ Chadolte, NC 28272.0884 e Send inquiries to: Capital One ~ P.O. Box 70285 ~ Sall Lake Cay, UT B4t30-0285 Q For more information on your Rewards: hN~ Visit: wav.capilalone.comlpoinlsrewards CaA: 1-800-228-3001 Rewards Summary Previous available balance: 473 Earned this period: 0 (refktls IransacGons posted during this haling cycle) Available Balance: 473 Payments Credits & Adjustments 1 OS DEC PAYMENT f55.00- Capital0ne Fbme Loans offers a variety of no hassle home ban products, including rdsl mongages, refinance and debt consolidation loans, as well as home equity loans and lines of credit. Our team of experienced professbnals understands Thal your situation is unique so your ban solution should be too. You'll have the one-onvne attention of the same personal loan consukanl from call to close. Vasil www.capilalonehomeloans.com for rtrore information. Capital One is an Equal Housing Lender. ® Have a question about a charge on your statement? Please reter to the Billing Rights Summary on the back of your statement or visit www caoitalone cortJdisoutes. 6056 506 1 07 17 071217 PAGE 1 of 2 O1DM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 4121747044642835 17 1829220055000054000 ~ap-~'tr7~Ot'1e' what's in your wallet?' New Balance Minimum Payment Due Date $1~ 829.22 $54.00 Jan. 11, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70884 Irlrrlllrrrrrrllrrrlll Charlotte, NC 2E272-0884 lulrllnlrnlrllnrlnlrlllnrlnlrlnlulullnlulnllnrll Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Ahernate Phone E-mail address ~° #9035269979524817# MAZL ID NUMBER HOLLY ROBERTSON 2101 nAYFRED LN CAI1P HILL+ PA 17031-5433 Inrlllnrlllnunllmllrlrlnlnlnllurllrllnurrllrlnli Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies ofyour other Lredit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at i-877-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. y. Be sure the total ofyour transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. How to Avoid a Finance Charge. T e. Grace Parlod. You wiX have a minimum grace peitW o125 days wUhW1 finance charge on new purchases, new baWrlce transfers, new sDedal purchases and new other charges Y you pay your tolal'New Baknce', in accordance wiM the Important Notice Ior payments Delow, arW in time Ior it to De tlediled by your payment tlue dale. Thera Is ro gate period on osh advances and special transfers. In addition, there u m grace perbd On any transaction N you d0 not pay the lotal'New DaWrlce.' b. Accnring Finance Lharge. Transaclipns whid+are not subjeU to a grace period are assesa¢d finance Gvnrge 1) born the dale d the InnaauNm w 2) Irom Me dale the Iransed'bn is Ixtscessatl to yata Account w 3) Irom Iha f t calendar day d me portent 6illirg period. Adaaiwwy, t yW dkl nnt pay ihe'Nevr Bakni Iranlhe DreVlW6bilinp penotl in lull, hnancc charges continue to aulue to your unpaid Wktxe unlit Me unpaid palance is pa"b in IUX, Tnk means Mat you may sUi awe f ore d+arges, even a you pAy the entiro New BAlance Indltatnd rat Me IroM nl your Slakment by the payment due dale, but tlid rid do so la the prev'pus month. Urgaitl finance charges are added to the applkade segment d your Account. T t. Minimum Finance Charge. Fu naUr hakng pnrirsd Mat yow iccauni 6 aUb)ed io a MlancG Gtafge, a IMnimUm IdAI FINANCE CHARGE d 50.50 oral be imposed. t d. temporary Redpaion W Finanpe charge. wit reserve Me right to rid assess any or an hnancc charges for any gHn+ 6Uknp period. 2. Average Daily Balarwe (Including N[w Purchases} Finance cisafpe is takulaletl by multiplying Me deiy Oalance of each segment d your account (e.g., cash advance, purcaase, spabl Iranafer, and spedai purchase) Dy 1he cwrespwldinp daily periodic tale(s) that has bean previously 166dosed to you. At the eM of each day OurWp the billing pwbd, we aDdY the daily poriodic taco Ior catll ugment of your account to the daily bdance of rash segment. Then al the eM d Me biXkg period, we add up the results of these daily olwkUons to chive al your periodic finance Utarge for earn segment Wsa add up ine resales horn each segmtnt b arrive al Inc btal periotlk fnartm charge for you almunL To gel the daffy balance for each se0me^I d your account, we lake Me Dspinninp Dekrtce for earl segment 8nd add any clew trensaclbns 8nd any periodic finance charge talLdaled On the prevlWS dayb bdlart[e Ior tltai 6Egmem WtIMnBUhuaU Cry Paymef115 Or aPdk6 posted es N Mal day Nat are aiowletl to Mal segment. This gives us Me saperale tleXy balance Ior Hach smytrwM uI your account However, i1 you paid the New BalancE ahpwn on your previous atatement in fuX (or d your new 0.ibma was ero or a aedil BmouM), new Irensections, whrM goal to your purUwse or special yurcltase segments arc not added Io inn daffy palancns. vac okWate Inn average daily balano by adding al ine daffy balanrra together aruf ' dividing the sum by the number of the days in [he torrent bdknp cycle. To celculnte your trial hnnnce charge, mWtiply your average Oeiy balantx by the daily periodic rate and by the number of days in tru biu,np period. Due ro rounding on a daffy basis or due to minimum hnancc cnargc asscasrtunt (here may De a variance between this okutalion and the ant of finance charge aWUally assessed. 3. Anr ual Percenlay[ Rates (APR). a. Tlw term'Annual Pnreentaye Rale' nay appear s'APR' on the Irnnl nl Ih's sulnment D II me Lode P (Ouaneny Prime). L lOUanerly L180R), C (Ouartedy CD), or S (Bankcerd Prime) ayprars on Me front ut Ihls aialCmeni nest W MC periude; tale(s), the pnitstliC ec and coResDO^dng ANNUAL PERCENTAGE RATES rmay vary quanMy and may inoeau or deuease based m the staled indices. as found in The Wall SIreN Journal, plus the maryW pnvwusly d'¢dused W You. Those dsenpas wit be eeetlkre al the brat day Of your filling period covered by your Iwbtlk atMemenl ending in Me mnnmx nl January, April, JWy and October. c. If the ,ride D (Monthly Rime), F (Monthly LIBOR), w G (Treasury LIBOR) appears on Me boot of your statement heal to the periodic rale(e), the periMk tales and espontlirg ANNUAL PERCENTAGE RATES may vary nonlldy entl may naease or dauaese based on the staled indices, as IwnW In The Wall SlrnCi Journal, plus Ina margin pevloudy dkdnud m ywr. Thou chAnys oral M eeective on Ina frsl day d your billing period each month 4. Asaeasmenl of Late, OveAimil and Returned Payment Fees. Under the lemrs of yaw rvalomer eyreemenl, ve reserve Me right W waive or rid b assess any Zees without prior notiftwlion b you wnhoutwaivk+p ourripM Io assess Me same or similar lees al a later time. T 5. Rene inp Vour Account If a merMwsAp lee appears on the front d your alalomenl, yW have 70 days born Uro date Ibis statement vrus mailed to yW 1o dvaid Dayinp Me lee or la nave such lee uadiled to you X you ranch your eccWnl wiMOW having to Day Ihn membership lee. To oncct your arcuw+t yW must natty us by raXkg our Customu Rebams Departmem and pay ynur'New Galante' in fuA (eaGudinp the membership lee) odor to the entl of Me thirty-tlay period. 6. If Vou LIDO[ Your Account. Vou Gn r¢quvst Io dose your acGDUnI Dy calling our Customer Relelions Depanmenl. YW muss destroy yore cacti oro(a) and armum access durda, renal a4 preautnorized Dilknfl and cease using your account. Aber your request to cbse, II you wnUnue to Iransatl a do 1101 Lancet predUllpflEed dairg arrangements, We will crosklEr rereipl M a dtargC your aulNSriznem to keep yew ccounl open. Additionaiy, your acmtrni wit not be dosed until you pay eN amW Ms you uwa us indudky: any Iransadbns yoU have BUIhMRed, fnancC charges, Dast due fees, nvtrkmn lees, ralurrcd pnymenl tees, ash :alvanra tees and any other lees assrsnd to your account. VW sro esponsible fu These emwrnB wftelher They ay{tear an your dLLWnI di IhC IimC yUU rCgUCai IV cWSC IhC eL'WwM w IhCy inWrr r subxequtm to your mquesl In dose iM artlum. This may result in dtarges appearing m your account char you have requesletl the aLLOUnI to be dosed 7. Us:np Vour AecouM. Your card or account wood be used in nneclion with any Internet garbling ImnsacliWts. X. Notice About Electronic Check Lonversion. When you provide a rheck as payment, you authorize us caber lu use inlwmahun tram your check W n+ake a w+e-limn electronic land Imnafer Irom your bank account or to process the payment a5 a phefk Iranaadbn. When we use information Irom yow duck to make an electronic Nntl transfer, lands maybe wtMdrawsr hum your Dank accuwn as Don es the same day vx receive your payment, and you will not rerxive your check back horn your f octal k,stkuhon BILLING RIGHTS SUMMARY (In Casc or EROrs or Oucslitans about Your Bai) X yW Mkas your Nq k wrong, or X you need more Inlumalinn on a IRnaatdiDn or biX, wale to IIa on a separate sheet as soon as pDSaide et IhC atldrezs fur inquiries shown on the Irom ul Mis ai81CTCr1I. WC mUSi Itedf from yW n0 IdIM Ihen 60 drys that w¢ sent you the f Bl bill on which the ertor Or problem appnarM. You can oil our Customer Reulbns number, but doing so win not preserve your nyhla, In your letter, give us me lollowirg IRlurmittUn: yDUr namC 8ntl drLOUnI number, IhC 6WIx dnaaeH nl the aUSpNled Errpf, a dascnplbn Or the eRw am an explanation, X possiDk. d why you believe there is an enor; or 1I you rKad rtune k1lOrmaliral, tl dCStriylipn of the item yW are unswC about VDU dV not have to pay any enwunl h qu[sliun whIIE we 8rC klvCaligAUng d, DUI yW Are Slili pblgaled 10 pay IhE pans of your bill tAal are nor in quesdan. NTik we invectigale your questim, we cemot report yW as tlNinquent or lake any eUbn lu nlNecl Ihn artwunt you yuesliun. S. T Special Ruk Ior Credit Cab Pwchaaes If yW have a prodem wish Ina qualty o/ progeny or services Thal yW purchased with a aedU ord and you nave Med'm good faith to onecl the Isroblem rdN the rtlerrJlanl, you maY nave the ngM rid to pay Mc romainag amount clot on Mc Dropcny w ccrriccs. YW have INs protection oMy •when Me Durchase price was more Than 550.00 entl Me pwchase was made in your home state w vdMin too miles of your mailing address. (If we own or operate Ina merUanl, w y we mailetl yW the a0venizemenl Ior the progeny w services, ail purchases are covered regardless of amount w loolion of purchase.) Please remember Ia sign all correspondence. 7 Does not apply to consumer npnTredb card accounts i Dora mf appl% to Dusinesa norvcmdN card xmunra Caykal One supports infonnalion yrivnry proledion: see our websne at yfvw ooilalune.cunt. Capital One k a IeOenly ragisleretl service mane of Capital Orin Financial Corporation. AX rights reurved. ~D'1005 LdDiiAl qu 7GOn Imponanl Nnke: Payments yW tree b to ova lK credited b yea saAni as of U8 W siren day we receive h, provided n) you send Ina bdtom portion d Mis statement and you rhd b the endosed rtrdttana envelope and Q) yow payrtrutl B rereivM b our Pdessag rMlo by 7 pm. ET (72 noon PTj. Please abw at kttt fin IS) prsbett days la pwW dewey. Payments re¢Ned Dy w n any don lootbn a in arty char Icon cosy not be pedited tt d Ina day we receNe Itrm.Ou busitess days are Mondry tNwgn Salwdry. eadWing MkWys. Phase do not use skpks, Doper rips, etc. when Weparitg your paYnteM. MOLLVROBERTSON z~o~ MAYFRED LN CAMP HILL, PA t7ott-5433 Pay To The Order Of MOLLY ROBERTSON Date __ _ Use byJanuory9t, zoc8 200360 12525 68-7z7o/z56o oggo5-ot S 0 VOID Purchose Check CapitalQ~• Richmond, VA Memo lays Signature 11.1 25 251• 1:2 560 7 270 11:750 i4997DDD6511• 6056 506 1 07 17 071217 PAGE 2 of 2 O1DM6056 Dear MOLLY ROBERTSON, With the enclosed Purchase Checks," you can access your Capital One" account almost anywhere-and in a number of ways! There's absolutely no transaction fee for using them and they carry your purchase rate. here are some ways you can use Purchase Checks: Transfer higher-interest-rate balances and you could save money. - - _ Use your Purchase Checks to transfer outstanding balances on other credit cards, department store cards or loans. Simply write a check toward the balance and it will appear on your Capital One account at your purchase rate. t Move other higher-rate balances today and you could start saving with fewer payments every month! Put them in your wallet and use them to make purchases. ~((~.((~ Purchase Checks are especially handy at locations that accept personal checks but don't accept credit cards. So, whether you're making a big purchase, buying electronics-or just buying groceries at your local wholesale club-your Purchase Checks give you an easy way to pay. Make a major home improvement. Remodel your home with the kitchen of your dreams. Buy the new furniture you've been eyeing for your Ia ' 1 " living room. Replace that leaky faucet or build the addition you've always wanted. There are a lot of great ~ ~ 1 ways to use your checks. Use them to cover other expenses. Your checks can be used to pay for travel, school tuition-even bills. Simply use them like you would a personal check and enjoy the flexibility of paying over time if you wish. Use your Purchase Checks for almost anything you'd like. Just be sure that the total of your checks is not more than your available credit line. Donif miss out -use your checks by January 31, 2008 or call us at i-877-476-7939 to transfer today. for odeidona! information about using 5 i n ce rely, your checks, please see the bockof this poge. ~. ~~ P. Taylor Jamison, Director of Accounts P.S. Use your no-transaction-fee Purchase Checks today and take advantage of your purchase rate. You can use them just about anywhere! * See back of letter for important information about using these checks 200360 MOLLY ROBERTSON 12526 nos MAYFRED LN Date 68-7z7o/z56o CAMP HILL, PA t7ou-5433 099o5-oz Use bylonuory3t, zoo8 Pay To The ¢ Order Of v n i n -- °vP+ Dollars Purchase Check CapitalQf~° Richmond, VA Memo Signature ii'125261~• 1:2560727Di1:750i49970006511' o m ao z N z o m o O a~ a <f m ~ z m T m = m a w a m y rn z= D ~ Z o n9 ~~ z= ~ m ~ m c o ~ £ O ~ Z = m ~ * m Answers to frequently asked questions about Purchase Checks Q: Why are there checks in my statement? A: The enclosed Purchase Checks offer you another easy, convenient way to access your Capital One account. You can use them virtually anywhere, for almost anything you wish. Q: Are these checks safe to use and to have around? A: Yes, wish our SD Fraud Liability policy, you're not responsible for unauthorized charges to your account if a Purchase Check is used without your knowledge. Q: How are Purchase Checks different from my personal checks? A: You can use Purchase Checks just like personal checks. The difference is that instead of drawing funds from your checking account, Purchase Checks take advantage of the available credit on your Capital One account. Q: What can 1 use my Purchase Checks for? A: You could use your Purchase Checks for almost anything: consolidating credit card debt and loans (except Capital One accounts), taking a vacation, or making major home improvements. Or, deposit the first check, that's made out to you, into your bank and use the cash for whatever you want. Q: Why would 1 want to use my Purchase Checks to consolidate debt? A: You could save money by transferring higher-interest-rate balances to your Capital One card at your current purchase rate. And, by consolidating debt, you could have fewer payments to make for greater ease and convenience. Q: Where are Purchase Checks accepted? A: Purchase Checks are accepted wherever you'd normally use your regular personal checks. You can even use them at places that don't accept credit cards. q: What annual percentage rate will apply when I use my Purchase Checks and is there a transaction fee? A: You will receive the same APR you currently enjoy on purchases made with your credit card and there is no transaction tee. Purchase Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannof be used as a payment on any Capital One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (S) Qualify as using your account. (9) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, IV.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. SO fraud liability claims are subject to verification and investigation. © 2007 Capital One Services, lnc. Capital One is a federally registered service mark. All rights reserved. m 0 m a a m a m O O T O m O m c~ n o m ao z m = D m o O H G f u! m a o ,~ " m _ "' m m 9D 2 9 2 ° na r N - n Z Z N•{ m ~ m C p 2 i (/ N m r * m SOD008 ~apitalQne What's in your wallet?- It could happen to anyone. Make sure you pay the amount MOLLY ROBERTSON due on your statement as soon as passible. WHOOPS ~ Keeping your credit in good standing can u think th l t d . an yo more o o a GOOD CREDIT =GOOD CREDIT REFERENCES ~ e ~ BETTER INTEREST RATES (good credit could mean lower interest rates) e a ~ IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ~ 2000 Grpiml One .k-rvira, bee Capital One rr n fedirnlly regiurrrd ttrvitt mark. All riehr rrr[rvt~ 5110008-08503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,829.22 - $0.00 ~ $33.45 + $39.00 = $1,901.67 $111.00 Feb. 11, 2008 Dec. 18, 2007 -Jan. 17, 2008 Page 1 of 1 PlElSE PoV pT 1EA57 tw5 nMOUm Your arecunl is one payment behind. Remrml:~er Ihal making your minimum paymeNS by the due date kaeps Visa Platinum Account your account in grad standin. Funkier mssed payment; maybe re;,~oned Ic the rational credit bumaus. So 4121.7470-4164.2835 ~/AbHass/e make sure you send in the mmhmm~ amOw.(due to keep your acc0oet trt good standirq. Your Accountlniormation REWARDS" TOTAL CREDIT LINE 52,000.00 TOTAL AVAILABLE CREDIT $98.33 CREDIT LINE FOR CASH 52,000.00 AVAILABLE CREDIT FOR CASH 598.33 Finance Charges (Please see reverse for impodanf information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases E1,854.09 0.05819%P 21.24% 533.45 Cash 50.00 O.D6367% P 23.24 % 50.OD ANNUAL PERCENTAGE RATE applied this period: 21.24 Q At Your service 1.800.9557070 To wll Customer Relations or to repot a bsl a stolen card: ® Send payments lo: Capital One Bank ~ P.O. Box 70884 ~ ChaMtle, NC 28272-0884 Rewards Summary Previous available balance: 473 Earned this period: D (re0eds transactions polled during IMs filling ryde) Available Balance: 473 Payments Credits & Adjustments Transactions 1 11 JAN PAST DUE FEE $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Roles (APRs) have been e Send inquiries to: increased since your account was past due twice in the past 12 billing cycles. If your rates have already Cap4al One ~ P.O. Box 70285 ~ Salt Lake Cily, UT 84730-0285 increased, subsequent delinquencies extended the duration of the increased rates. Remember: It we receive your minimum monthly payment on time for 12 wnseculive tilling cycles, this account will be reviewed for a ~ ~+ For more information on your Rewards: possible return to your Non-Introductory APR. i Uisit wvrw.wpilabne coMpdntsrewards Call: 1-800.228.3001 You were assessed a past due fee bepuse your minimum payment was not received by the due date. To avoid Ihis fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Have a question about a charge on your statement? Capital One. ® Please refer to the Billing Rights Summary on the back of your statement or visit www caoilalone comldi~oute~. 6056 506 1 07 17 080117 PAGE 1 of 1 O1 DM6056 PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO WWW.CAPITAIONE.COM TO MAKE YOUR PAYMENT ONLINE 4121747044642835 17 1901670055000111008 CapitalQY(g• what's in your wallet?. New Balance Minimum Payment Due Date $1,901.67 $111.00 ~ Feb. 11, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed , Capital One Bank P.O. Boz 70884 Irln ~~Inulu~n~rl~ Char lotto. NC 28272-0884 ~u~rl~nlnr~r~~urln~r~~~nr~nlr~nlulu~~n~n~u ~~nr~~ Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address Q p9001869979524B1971 NAIL ID NUMBER nOILY ROBERTSON 2101 nAYFRED LN CAt7P HILL+ PA 37031-5433 Insll~nr~l~nunl~ml~r~r~nln~n~~nr~~r~~unnllrln Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. t B, Grau Parlotl. You wiN have a minimum grate period or 25 days wilnWt fuance charge on new purchases, new Dakrwe Vansftts, new special purchases oral new other Lnarges N you pay your flat -New Baance . in pcadanU wim the ImpoNnl Nolke la payments Debw, and in time for i1 to De cedned by your payment due dale. Tnere s n0 grace period on rash advances and spatial Dansfers. In addkion, (here b ro grace gerbil on any uansaGlion it you do not pay the lolal'Naw Daance' b. Accruing Finance Charge. Transaclons wMd+are not subject to a pence period are assessed finance charge t) Iron the dale d the Idnsaclion or 2) Irom Iha dale the Iransadion is prssrs55ed W your Account W 3) bum Inn Irsl Calendar day d the [unmt billing gerbil. AddkipWy, p you rYA nil pay the RJev/ Balanc' Irom Ine previous hiYing penotl In full, finance charges continue ID accrue to your unpaid balance until the unpaid baknm k paid M to Y. This meanB Thal you mdy stiN own Iinara>s charges, aunt, a yW pay Ine elite New Bala s indraletl on the find of your slatemem Dy the payment due date, out d0 nil do ao for the Drevious mode. Urpaid finance charges are added to the applirabk segmed d your Account. it t c. Minimum FManee Charge. Fnr each billing peMrd mat yrwr I account 6 suDfed tD a finance charge, a rninbum tool FINANCE CHARGE d 50.50 WI be imposed. } d. Tcmisonry Reduction in Finance Charge. We reserve Ine right to not aBSess airy or al) finance Charges Ia any given DYYnp period. 2. Average Daily Balanu (k+cluding New Purchases). Finance charge is caluslaled by mua,dying me dairy baance of cash segment d your account (c.g., rash advance. purchase, speclnl transfer, and spedal purchase) by me correspontlmp daffy periodic rate(s) coal has Deen prevbusy disclosed to you. At the eM of each day doing the bNng period, wo apdY me daily poriodic tour for cad, segment of your arc Wnl to the tlagy bdance pl each segment. Than et the end of Ine billirg period, we add up me resWts d mete daily wkulations to arrive et your periodic finance Uarge for each segment. We add up the rosuNS horn earl) segment to aMve al the total pelodk feance charge for your account. To gel the dairy bakrxe for each segment d ywr auarnl, we take the bepinnng 6aknu for sash segment and add any new transedbns and any perbdk finance charge Calculated on the previous days balance fir Ihat segrmnt. We. man suMmd any pnymentc cedkx poslttl as d Ihal day Ihst are aYOCaletl to that segmml This gives us Ilte sesperate daily balance IW salt strynwM u( yea aCCOUni. Hownvnr, if yW paid the NCw BafartcC 6hUwn, On your previoux etitement in cup (a n gnu w nnb~re was Zem w a vedN amount), net/ Iranaadionr, wl,kh post to your gutless a Special purchase sugenenls wn not added In the daily bakncns. Wa cakWale Ihn average daily halana by adding au 1M dally nabs d logemer and d'rldinq the sum by the number of lee days ks the curtenl bRling cyde. To calculate your total finance charge, mWliply your average daily Detente by IM daily penodk rare and by the number ul days in me biairq period. Due to rounding on a daily basis a due m Idnlmum finance Uarge assessment, (hare may be a valance between this cakulalion and the bunt of finance charge acutely assessed. 7. An ual Percentage Rates (APRj. a. TM mm+'An„uat Pnrcelaage Rate may apVnar as'APR' on llm IrnM of this sbUmenl. b. If the code P (Ouanely PrimeJ, L (Ouanuy LIBOR), C (Ouanedy CD), a 5 (Bunkrard Pdme) appears on the Iron) u1 cols slatemenl nevt tD H+e pelutlie tale(s). the DerkudiC ea and conesDmding ANNUAL PERCENTAGE RATE$ r~Y `mrY Wanely and may inawse a decease based on the slated irdku". as IourW in The Wall Slreel Journal, dos the margin previously disdusnd W you. Those d»npas wig fin erteG'we on the frsl day of your bNl'vsg period covered by your periodic slwlemenl coding In me mmms of Janwry, Apll, Jury and October. c. II the code D (Monthly Prime), F (MW+INy LIBOR), W G (Treasury LIBOR) appears on dw Iront ul your satnment rvxl In me (vripAk rale(b), me periadk relax and IamesDatrsng ANNUAL PERCENTAGE RATES may vary monthly and nay ktaeeze or deveese based on the staled indices., as /WrW b Tnn Wall Suenl JWmal, pus the margin previousy discMSnd In you. Thane d,arges W I he ertedive on H+e firs) day d your baling pedal ead+ month. •. Assessment of Lale, OYeAimll and Returned Pryment Fees. Under Ihn lernis DI your rurslumw agree eel, w reserve the right [O waive a nil q aSSesa any lees wi1hOU1 pld notlticalion b yW vrithdll waivirp our right to assess the imilar lees ale klerlime. T S. Renewing YDUr Account 11 a mertlDersMp fee appears m tnc front d your satomcnt, you haw 70 days ham tM date coo stakmem was mailed to yW to avid paying me lee a to have stoic Itt oetliled b you A you cancel your account without having to pay lee membership fee. To pncol ypur aaani, you mUSI noHly Ua by Upay our Customu Rektiorts Department and pay your'New Balance' in lull (esdWing IAe membersdp IeeJ poor to the end DI me thinpday period. 6. I1 You Close Your ACCDUnt. You urn request to close yWr account Dy catkng our Customer Relations Depanment. you ust destroy year vedit card(s) and account evesz dtecks, cancel aN preaulhor¢ed Di1Yng and cease using your account. Aner ywr request to Lbse, it you continue to uansad a do not rarKel preatnholzed bininy ananyennlnts, we wNl nrxciAer receipt nl a charge your auhnnzndm to keep your cool open. Additionasy, your acmunl will not be Gosed uClil you pay all arawnls you own us indud'ng any IransaC[iOns yuU have 8ulhabnd. faanen charyCS. Vast due fees, nverfimX Itts, reWmerl VnymeM Ices, oich advnnre fees aril any other itts assessed lD your acrdrnl. Vou are esponsible fa these amoun6 W,elhnr cosy appear on ywr aL6alr,i at the pmn you request lu dose the accWnl W Ihey rr ~ xubenquent b yrsur request In dove tl,e acreuM Tnismmay rexnn in dargee appealr,g on yDDr aLwDm »der yon hove requested the au:ounl tD be closed 7. Uzinp Your Account Vour card or account cannot be used in nneclbn with any Internet gantblirtg IdnsBCliau. 9. Notice ADOYt Elaclronic Dheck Conversion. When you provide a check a5 Daymeni you autholze us ekhnr lu vse in(Wmaliun IrWn yunr U,eCk lu make a Ww-limn eketronic Wnd Imruler Irom your bank account or to process 1hC payn,ml as a Utedc I2rlsaLtiun. When we use inlormation ban your crrotY to make an ekdronlc Wnd Innsler, tools n,ay be wimdraw, hum your bank account as as lhG zen,e day we raeeive your DaymeM, and rD~ wdn not rersrvn your check back hoot your f .anekl inslYution. BRLING RIGHTS SUMMARY (In Casa of Erraa or Ouoslions about Yom Bw) tl yW mklk your biN a vaag, or Ayou need more inlamatim nn a VansaCtion or biN, vmle to uz on a separate sneer Bs soon as pDSZYNe al H+e address lur inquiries snuwat Dn Inn frua OI Ihis salm,Cn(. WC mUSI heal Imm yW n0 Ia1W I11an 60 days ihnr WC sent yW the first dH on whkn the error or prohlem appeared. You can roll as Customer Relations number, Dut ddng so wiN not preserve your nghls. In your Isllflr, give Us Ihn IoHawiny infamadon: your name and aceuuM number, con dWlar amount nl the suspected error, a desmptkan of the env oral an esplanelion, II pDsslbk, d why you Detkve there IS an errs: or if you need more inlomwbm, a descnplipn d the item you ere unsure about. VW du nil nave to pay any amount in quasliun vAtNe we are investiga0ng il, bur yw are still oDligaled to pay the pans of your DNI that are opt in question. Whik we investigate your quesgan, we ramot repoA you as delinquent or eke any eClidn lu coNeCl the en,Wnl you gUesl Wn. I. t Special Rule for Crodit Cab Purchases If yW have a problem with the gw1Yy of properly or servces that you purcnased v/Nn a vedit card oral you nave Irkd in good laith b woad the problem with me merthanh you may nave the lgM not to pay rho remainktg amount dun on the propcdy or cervices. You nave This prdecllon oMy when me purchase Drke was more man 550.00 oral me Durchase wet made in your home state a v/ithin 100 miles or your nailing address. (If we own a operate the merchant, a M we Inailetl you the advenisemeM Ia tea properly a services. all purchases are covered regardless of mount a locatbn of purchase.) Please remember to sign all corresPOndence. t Does nor apdY to consumer non<redq card ac[oUnlc j Does not apdY to business roe-credit card accounts Capital One supports infonnalion plvaty yrolechon: zee our webske al v/ww faDitaksu:.cum. Capial One Iz a lederany registered service mark of CaDltal One Financial Corporation- All rights reserved. 51200D Capital One Hnporunl NWke: Paymenh you mall to us aiX be cediled m you aa'aunl as d ale busiross day we casaba it provided (1J you send Ine amtten potion of INS stalemenl and you die A in die en Wsad mmYlmu envebpe and (2) pin prymem'a reoeirM M M processing career by 7 p.m. ET (t2 noon P7). Please aYOw a1 kesl five (5) ouaeless drys kr gaol OeNvery. Peymenis renivM by us al ny aver mcadon m k, any Omer form may not be nediled as al the day we recants Ihem. Ou Dusaess days are Monday IlNCUgh Saturday, ndMing holidays. Please ao nil use slapks, Doper clips. e¢. when Pepamg put payment. 500008 CaP/~'a~~1e• what's in your wallet?• It could happen to anyone. Make sure you pay the amount MOLLY ROBERTSON due on your statement as soon as possible. Keeping your credit in good standing can wHO~PS, do a !ot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES f f f BETTER INTEREST RATES (good credit could mean lower interest rates) f f ~ IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ©2006 CnPira! One Serr.~irrt, Inc. Capirrsl Une is n fnlern(!y rrgirtend Jrn,icr +nark. All rigbri neeronl. SOOOOB~08503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,901.67 - $54.00 + ( $35.12 + $39.00 = $1,921.79 $114.00 Mar. 14, 2008 Jan. 18, 2008 -Feb. 18, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.44642835 ~/NoHassle Your Account Information REWARDS- TOTAL CREDIT LINE 52,000.00 TOTAL AVAILABLE CREDIT $78.21 CREDIT LINE FOR CASH 52,000.00 AVAILABLE CREDIT FOR CASH $78.21 FlnanGe Charges (Please see reverse to impoAanl information) Balance rate Periodic Carespondng FINANCE applied to rate APR CHARGE Purchases $1,886.20 0.05819% P 21.24% 535.12 Cash 50.00 0.06367% P 23.24% 50.00 ANNUAL PERCENTAGE RATE applied this period: 21.24 Q At Your Service 1-800.9557070 To cal Orslomu Rehalbns a b regal a bsl a stobn ard ® Send payments to: Capital One Bark • P.O. Box 70884 • Charbne, tJC 28272-0884 ® Send Inquiries to: Capital Ore• P.O. Box 302&5 • SaN Lake City, UT 84130-0285 For More Information on your Rewards: xgrr Vsif: vnwv.capitakne.com/pointsrewards Cat Ib00.22&3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary m the back of gar statement a visit www caoitalone comldsoutes PILISE PAY A7 LFAT7 1X15 AMOUNT YJUr :rcou?t , ere pa•;men1 t+ehird. FememtFr d~.a1 makin0 year minir:um payment Ly!Is Sue dale k,.cf~. your a:carnl in cOni slar~cing. Further missed r~:ymenls may tr r~,ortari o ite natbnal aedi: burezus. Sc make sure you sr•.rd in the minimurc am•;ur~t due to k'«~ y:an :accnun! is gxd standiry Rewards Summary Previous available balance: 473 Earned this period: 0 (relbas Transactions posted during this bifng cycp) Available Balance: 473 Payments Credits 8 Adjustments 1 25 JAIJ PAYMENT 554.00' Transactions 2 11 FEB PAST DUE FEE 539.00 Under terms previously discbsed to you, sane a all of your Annual Percentage Rates (APRs) have been increased since yotx account was past due twice in the pall 12 billing cycles. If your rates have already increased, subsequent delinquencies extended fire duration of the increased rates. Remember Ii we receive your minimum monlhty payment on time fa 12 consecutive billing cycles, this account will be reviewed fa a poss~le return to your IJorrlniroductory APR. You were assessed a past due fee because your minimum payment was not received fry the due dale. To avad this fee in the futae, we recommend that you albw al lost 7 business days fa your minimum payment to reach Capital One. PLEASE RETURN PORTK)N BELOW WRH PAYMENT OR LOG ONTO WNNJ.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. fapitalQ~• I what's in your wallet?• 0 4121747044642835 17 1921790054000114008 New Balance Minimum Payment Due Date $1,921.79 $114.00 Mar. 14, 2008 PLEASE PAYAI LEAST THIS AMrIUNT Amount Enclosed Capital One Bank P•o. Box 70884 Irlrllllrrrlrlrlrlrr Charlotte, NC 2,4272-08,44 Inlrllulnllrllnllnlr~~lnrlnlr~nlnlnl)nlnln~~nrll Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home ohone Alremare Vhone F-mat/address C?° N9005069979524817f1 MAIL ID NUMBER HOLLY ROBERTSON 2]01 nAYFRED LN CAnP HILL, PA 17011-5433 urlllnrlllnunllnrllllrlnlnlnllurllrllnnn Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. T a. Grace Perbd. Vou will nave a minimum grxe period of ZS tlays vriawW Tnance charge on new purchases, new balance trartslers, new special pacnases and new abet charges N you pay Your teal "New Balance", in accordance with the Important Notice for payments 6ebw, and in time for N to be eredNed try Your next statemem cbsing date. There k ro grace period on each advances and special transfers. In addgan, there Is no grace period on arty transaction N you do not pay the total "New balance' b. Accruing Finance Charge. Transactbrls which are rot subject to a grace penal are assessed finance charge 1) Iron the date o1 the Inrtsaclion or 2)lrorn ftw dale the transaction h processed to your Account a 3) Irom the first calendar say M the curteM billing periotl. Additionally, N you did not Day the "New Balance" Iran the Dreviars billing period in fuN, finance charges continue to acme to your unpaid balance un1N the unpaid balance Is paid in full. This means that you may aNN owe finance charges, even N You PeY ilae entire New Balance indicated on the front M your sulemeM by the next sulemeM closing date, DW did not do so fa the previous month. Unpaid finance charges are addetl to the applicede segmem of your Account. T c. Minimum Finance Charge. For earn billing period that your acwunf is subject b a fmance charge. a minimum total FINANCE CHARGE of $0.50 will be Imposed. If the total finance charge resulting Irom the application of your periodic rate(s) is teas than $0.50, we will subtract flat amount from the 50.50 minimum and the dmerente will be billed to the purchase segment o1 Your account i d. Temporary Reduction n Flnartoa Charge.We reserve the right to not assess arty a all finance eharges for any given billing period. Z. Average Dairy Bounce (Indudtn9 New Purchases} Finance charge a calcuuled by mWliplying the daily bounce of exh segment of your account (e.g.. rash advance, purchase. special trarlster, and special purchase) by Ina correspoMing dairy periodk tale(s) that has been prevbusly disclosed to you. Aline antl of each day during the hiNing perod, rte aDDN the dairy periodk tale fa exh segment of your account to the daily balance d each segment 7tlen at the end of the Otllkg period, we add up the results of these dairy cekuutioras b amve al your periodic finance charge for each segment. We atld up Ina results from exh segment to aMve at the total penodk finance charge fa your account To gel the dairy bounce for each segment of your aetount. we take Ina beginning balance fa 6xA segment and add any new Vansactkns ant any perbdk finance charge cakWaled on the previous day's balance fa that segment. We then subtract any paY^w^tz a credNS posted as M that say Thal are allocated to that segment. This gives ua the separate dairy balance for each segment d your attount. However. N you paid the New Balanu shown al your prevous zlatartaeM in IWI (a H your new balance was zero a a CfetlN amOUM} IIeW tral5attlarl5, which po5110 yWr purchase a spatial purchase segments are rx>t added fo the daily bounces. We cakWate the average daily balance by adding aN the dairy bounces logather and tlivding the sum by the number of the days In the current Nlling cycle. To calculate you total finance charge, muNipy your average dairy balance by the dairy periodk rate and b)' the number d days in the dllirg period. Due fo rounding on a dairy basis, there may b¢ a slight variance between ihK calculation and the artauM of finance charge actualy assessed. 7. Mnual Percentage Rates (APR). a. The term "Annual Percentage Rate" rtay aDDear as "APR" m the 1roM al this statement. b. If the code P (Ouaneny Pnme), L (OUaneny LIBOR} C (OUaneny CD). IX 5 (BankWro Prime) appears on the IroM of this statement next l0 the perodk rate(s), the periotlk tales ant corteslx)r)ding ANNUAL PERCENTAGE RATES may vary quavery and may increase a detreasa based on the slated intlkes, as lountl in The WaY street Journal. plus the margin prevbusly dixbsM to you. These charges will be edective on the first day d your DilNrg panda covered by your periadk slatemem entling in the month of January, April, July and October. c. It the code D (MOnthy pnme), F (MOnthty LIBOR). or G (Treasury LIBOR) appears an the iroM M your slatemaM held 1o the periodk tale(s), the perodk ales and cortespondirg ANNUAL PERCENTAGE RATES may vary monihry and may increase a dxrease based on the staled Indkes, as found in The WaN Street Journal, plus the nargin prevkusy discbsed b you. These changes wiN ce egective on the Trst day d your Ditling period exh rtgnth. <. Assessment of late. Ovenimil and Returned Payment Fees. Vour account wNl be assessed no more than Three of the lees listed Mre that star during any NNing perod. Under the terms of your customer agreement, we reserve the right to waive a rat to assess any tees witMW Drior rptaitafron f0 you without waiving our right to assess the same or similar tees at a utter lime. T 5. Renewing Your Account. N a membership tae appears on the Irom of your statement. you have 30 days Irom the date this sfalernent was maNea fo you to avoid paying the iee a to nave such lee credNed to you q you pncel your account without having to pay the membership fee. 70 cancel your aCCWnI, you mx151 ndiry us by Calling our Customer Relafiord. Depariment ant pay your -New Bounce' in lull (excluding the membership fee) prior to the end M the tninyday period. 6. 11 Vou Close Vour Aocounf. Vou can request to tbse your account by piling our Customer Relatioro DapanmeM. You rtwst destroy your credit cant(s) and account access checks, cancel all preaNlarized bNling antl cease using your xtounf. ANer your request to dose, a you continue to transact a do not cancel preaWhafzed Dieing artargements, vre will consider receipt of a charge your aWhalzation to keep your account open. Additionally, your acCOUM wle riot be cased until you pay a113nqunis you owe us including: arty Transactions you have aNhorizeQ finance charges, past due tees, ovenimlt fees. returned payment fees. cash advance lees and any other tees assessed 1o your attount You are responsible fa these amounh whether they appear on your account al the time you request to cbse the account or they are incuned subsequent to your request to close the account. This may resuN In charges appearing on your aceouM alter you have requested the aceouM to be closed. 7. Using Vour Account. Your card or account wnrat be used in connection with any Internet gambling Inruactbns. e. Notice Abdul Electronk Check Conversion When you provitle a check as payment, you aWMrize us either to use iMomutbn from your chttk to make a one-lime eleclraslc fund transfer tram your bank account a to process Irw payment as a check iranzadM)n. Wrien w'e use intortrotbn from your enxk to make an electronic fund Iransler, fund$ troy be wNhdrawn from your bank etc W rat es soon as the same day vre rxeive your payment antl you vrill not receive Your check back from your financial int1N Winn. BILLING RIGHTS $UMMARV (In Casa W Enos a Questions about Vour Bill) u you IMnk your bill is wrong, a H you need more iMOrmation on a VarKatfWn a DiN, wMe to us on a separate sheaf as soon as posside a1 the address /a IrpWries shown on Ina 1roM M this statement. We must hear Irom you no later than EO days oiler wa sent you the tvsl dq on wnkh the arts or problem appeared. You can call our Customer Relations number, btd long so will nM preserve your rights. In your khan, give us the ldbwng IMOmulbn: your name and account number,lM dollar amount a the suspected ertor. a descriptkn o11he ens and an explanation. i1 possible, 01 why you believe there le an amor, a ii you need more intomution, a description of the hem you are unsuw elx)W. Vou do nd have to pay any artnuM In question while we are investigating N, but you are saN ad'gated to pay the pans MyoW bill that ere not in queston. White vve invesugale your question, we wnnd report you as delinquent a lake any action to collects the amount you queston. ~ 1 Special Rule for tracts Cant Purchases tt you nave a problem wdn the quality a/ property or services toot you purchased wink a credN wM antl you have tried k good fans to wrrttt the poblem wNh the merchant You may nave the right rot to pay the remniMng amount due on its property a servkes. You have this prdection any when the Durchase pace was more than $50.00 antl the purchase was made In your home stale a wanin 100 miles of your mailing address. (tt we own or openle the merchant, or tt we rnafled you 1M atlvenisemenl fOMhe progeny a servkes. all purchases are covered regardless of amount a loralbn of purchase.) Please remember to sign all carespoMertce. T Does rot appy to consumer non<redN card accoums I Lbes not apply In business noncredit card accounts Capgal One supports inlortretion privacy protettbn: see our websNe at .~ Capital One is a ledenly registered servke mark of Capital One Financial Cwporation All rights reserved. 02006 Capital One TC-0d 07 DM6056 - i - Oct/f 0107 trrpalnl Nasze: Paymavaya, malmu: wi be ardNrdwyau armmasde,alx.ana:a.y wrr¢r~r¢a P~ded rt)ya, sate a,. boson paam d ais suuman ad yar dwd'n h adasad ramXlaxx anWge and (I) you payriwd's rerixd h w Pou®q cent by 7 p.m. ET r1T iom PT). Pbaae slaw at asst fire (5) luswas days kr D'nu' deFery. Payaans raurxd by us a any rMre kxadm a h >y ana ksm mry na br aedud e a mr dry we recce awm. as bu::~ eay.>. Monday aroay~ saeaeay, aadadng ndwrys. Phase dv rwl use sulfas. Papa rips, ac ream PsPriro Ws Ps>~t ~apit~ ' /what's in your wallet? LET'S TALK - OIVE'RE HERE TO HELP. 500009 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital Ones we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. © 2fN7H Cnpiral Ont .Srrvicu, Ina Cirpiml One it a fder:!!y ragittrred rrrvirr mark. A/1 rigbtt ratrurd. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance MilTimum Payment Due Date $1,921.79 - $0.00 $31.65 + $39.00 = $1,992.44 $173.00 Apr. 11, 2008 Feb. 19, 2008 -Mar. 17, 2008 Page 1 of 1 nrASE PlY AI IEATT THIS AMOUM Visa Platinum ACCOUnt YJL~ re Fef'and I:j~ IWJ r~aylnen:5. L2r513It.. If Y,xi rE Ila:ing :IrraliGldl ~ilficuliies and can'I make yalur 4121.7470-04642635 ~/NoHass/e minimum payment - we a~anl le help. Let's work taaeitrr io finti a solution !hat ,wxks tt:.l for y~~. ii•.~a ,,; a Hall at t ~ic~ 9:.rT X070 Your Account Information REWARDS- . TOTAL CREDIT LINE 52,000.00 Rewards Summary TOTAL AVAILABLE CREDIT 57.56 Previous available balance. 473 CREDIT LINE FOR CASH 52.000.00 Eamed this period: 0 AVAILABLE CREDIT FOR CASH $7.56 (rel6cistransacfmspostedduringthisbi~ngcycp) Available Ba6nce: d73 Finance Charges (Please see reverse for important infamafion) Balance race Periodic Conespondng FINANCE applied fo rate APR CHARGE Purchases $1,942.53 0.05819% P 2124% $31.65 Cash 50.00 0.06367% P 23.24% 50.00 ANNUAL PERCENTAGE RATE applied this period: 21.24% Q At Your Service 1.800-9557070 To ca101s1omer Rehlions a b report a bs, a sbkn card Send payments to: Capita! One Bk(USA),NA • P.O. Box 70884 • Charbne, NC 28272-0884 ® Send Inquides to: Capital One• P.O. Box 30285 • Sal Lake CAy, UT 84130-0285 For More Information on your Rewards: 41~ ,Asit: wH.v.capitabne.comlpoinlsrewads Cat 1A00-22&3001 ® Have a question about a charge on your sfatemenl7 Please refer to the Billing Rights Summary on the back of your statement «visit www.caoitalone comlolslwtes Payments, Credits 8 Adjustments Transactions 1 14 IdAR PAST DUE FEE 539 ~ Under terms previously dlscbsed to you, some a all of your Annual Percentage Rates (APRs) have been increased since your aaount was past due twice in the pall 12 billing cycles. II your rates have already increased, subsequent delinquencies extended the duration of the inceeased rates. Remember' It we receive your minimum monthly payment on lime fa 12 consecutive billing cycles, this account will be reviewed fa a possble return to your IJon-Introductory APR. You were assessed a past due fee because your minimum payment was rw1 received by the due date. TO avoid this tee in the future, we recommend that you albw at least 7 business days fa your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ONTO wMNV.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. CapitalQ~• ~ wha,•,ir,Ye~rwane,). 0 4121747044642835 17 1992440054000173002 New Balance Minimum Payment Due Date $1,992.44 $173.00 Apr. 11, 2008 I'LFASt I'AYAI LEAST TIiIS APAUUNT Amount Enclosed Capital One Bk(USA),NA Irlr,lrrTllllTlrrTl,ll P.O. Box 708b4 Charlotte, NC 28272-D864 LIIrIININrI,ILrrluIlllLulTrITLrInInlLrlrllrrllrrlll Account Number: 4121-7470-4464-2835 Please print address or phone number changes bebw using blue or black ink. Name Phone Aheinare Phone E-mail address @ X9007869979524818p MAIL ID NUMBER HOLLY ROBERTSON 2101 WATERED LN CAWP HILL, PA 17011-5433 nrlllnrlllnnnllnrllrlllnlulullnrl ITllnnnllrln Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How fo AVOIO a Finance Charge. T a. Grace PerioQ Vou win nave a minimum grxe period d 15 days wHhoN tinarxe charge on new purchase, new balance tanslers, new special purchases and new other Marge tt you pay youndal "New Balance", in aaadance wNh the Imponanf Nolke to payments bebw, and in lime 101 H fo he uedNed M Your next statement cb5ing date. There k rto grace peno0 on wsh advances and special Uansters. In addition, there a no grace period on any transaction H you do not pay the total Mew balaMe." D. Accruing Finance Charge. Transadions which are rat subJM to a grace peno0 are assessed tirance charge t) Irom the date d the transaction a 2) Iran the tlale the iransad'ron is processed io your AuouM or 3) bom the first calendar day o1 the cuneM billing period. Additionally, H You did not PaY the "New Balance" from me prevbus biAirg pehod in lull, finance charges continue to accrue to yourunpaid balance Until the unpaitl baance a paid in full. This moans Thal you may still owe finance charges. even H you pay the entire New Balance indicated on the Iront d your stalerraM Dy the next statement Closing dale, ON did not do so 1d the prevous rtoMR Unpaid fnarce charge are added to the appllwNe segment of your Account. T c. Minimum Fbance Charge. For each billing period Ifat your acccunl a subject to a finance charge, a minimum total FINANCE CHARGE of 50.50 will be imposts. It the total finance charge reunirtg from the applkation d your pertodit rate(s) is Ins roan 50.50. we wiN sudrad that amount from the 50.50 miMmum and the difference will be billed to the purchase segment d your aaounl. } d. Temporary Reduction n Finance Charye.We reserve the right to rat assns arty or an finance charges for any given billing period. 2. Average Daly Balance (Indudtng New Purchases). Finance charge a calculated Dy mulllpying the tlalty balance of exA segment d your atcoum (e.g., cash advance, purchase. spatial Iransier, and special Wrchase) by the tonnpondirg daiy perbdk rate(s) That has been Ixevbusry discbsed to you. At the end d each day durkg the billing perod, we appy the daiy periodk rate for exA segment of your aaounl fo the dally balance d exh segment. Then et Iha entl of its billing penoq we add up trio rnulis of tone daiy eeltulstiats to arrive al your penodk knance charge fa each segment. We add up IM roans Irom each segment to artive at the idol peniodk fnance charge for your account To gel the daiy balance kx each segrnenf d your attount we take the beginning balance for exh segment ant add any new bansadiorts and any periodic finance charge calculated on the previous day's balance for that segment. We then subtract any payments a credtts posted es d that day that are aNacated to That segment. The gNe us the separate daNy Oabnce for exA segment d your account. However. H you pab the New' Galante shown on your prevbus statement In Ill (a H your new baWnte was Zero a a eredH amount), new trensxtions, wNCh poll fo your purchase a special purchase segments are not added to the daiy balance. We cekulate the average daily balance by adding all the daily balance together and tlividing the sum by its number d the tlays in the current NNing cycle. To cakulete yWrtotal finance charge. muHipy your average daiy balance by the daily perbdk rate and by the number of days in the billing period. Due to rounding on a daily basis, there may be a slight variance between the calcuWtion and the amount of finance Charge aduaNy assesetl. A Mnual Percentage Rates (APR). a. The tertn'Annual Percentage Rate" may appearas "APR" On the front d Ibis statertenl. b. Ii the code P (puaneny Prirte), L (Ouaneny LIBOR). C (OUaneny CD), or S (Bankcard Prime) appears on the Ironl of Itie ataterttenl next to the periodic rate(s), the penodk rale5 end connponding ANNUAL PERCENTAGE RATES may vary quaneny ant may increase d decrease based on Ise slated iMices. as found in The Wall Street Journal, pWS the margin previously discbsed to you. These changes wiN De enective on the tirsf day of your pilling period covered by your peri00k statement ending in the months of January. April. July and Octd>er. o If foe code D (MOnthty Prima). F (MOnlny LIBOR), or G (Treasury LIBOR) appears an the front d your statement next to the periodk rate(s), the periodic rates and cortnpondirg ANNUAL PERCENTAGE RATES rt+ay vary rroMNy and may increase or decrease based on me stated snakes, as found in The Wall Street Jourtal, plus Ina margin previously discbse0 b you. These changes will be enedive on the first day d your billing perb0 exA rtgnth. a. Assessment of Late, Overtimil end Retained Payment Fees. Your account will be asseud no more than Ihrae of the ten listed here that occur during any bilNnp period. UMer the taints d your customer agreement, we rnerve the right to waive a not io assess any fen wNhout prior rttlntcatbn to you vrithoUl waiving our right to assns the same or simiarlees at a IalerDme. t 5. Renewing Your Axount. If a membership Ice appears on the Iron) d your satemenl, you nave 30 days from the date Ise vatement was melletl to you to avoid paying the tee or to nave such lee credited to You H you cancel your aceount wHnoul having to pay the nrarnbershtp fee. To cancel your account, you must notiry us by rolling our Customer Pelations DepanrteM and Day your Mew BaWnto` in lull (excluding the rtertbersND lea) Prior to the end d the INryday barbel. 6. If Ydu Cbse Your Atoount. You can requnl to dose yW r account by rolling our Customef Re181ions DepanmeM. You must destroy your credit wrtl(s) and account access checks, cancel all preaulhorized biNing and vase using your account After your requet to close, i1 you continue to Iran 9ed a do not Cancel pre9utharized billing artargemeMS, we will cptsider receipt 01 a charge your aulhodzatbn Io keep your attount open. Adtlnionaly, your attoum wiN rot be cbsed until you pay all amounts you owe uc ixlutlirg' any iransadions you have authorized, Nnance large, past due 1ee5. ovedimN tan. retained Payment fen, wsh advance tan and any other Ion assessed to your account. You are teponSiDle for three amouds whether they appear an your xrnum at the time you request to close the acewnt or they are ineurted Subsequent to your requnt b Close ttte account. The may roan in charge appearing on Your account aver you nave requefed the account to be cbsed. 7. Using Your Account. Your cartl or account cannot ce used in ConneCliOn WHh any IMBmet gamblNtg tran5x1bn5. 8. Nolke About Electronic Check Conversion When you provide a check as payment, you aNrgrize us either to use IMOrmalion from your Check to make done-lirtw elxtrorvc land Iransier from yourbonk account ar to process the paymeN as a check bansanbn. When we use inlorrtetion 7rpn yWr Check t0 make an el¢Clronic land trans7er, iunda may be whhdnwn Ilan your bank atttunt as soon az the same day we receive your payment and you will not receive your check back from your financial institution. BILLING RIGHTS SUMMARY gn Case d Ertors or Ouetiorts abari Vcur Bill) 11 you think your DNI is wrong, or H you need more inidnalbn on a vansaction or bill, came to us on a separate sheet as soon as possWW e1 the address for inquiries shown on Ise front d this statement. We roust near from you no later than 60 tlays after we sent you the frst hiN on whkh the ertor or problem appeared. You can can our Customer Relations number, but doing so will riot Ixeserve your rights. In your loner, give us the Idlowing inlorttutbn: your name and account number, the ddlar amount d the suspected error, a descripion of the ertor and an explanation, tt possiNe, d why you believe there is an ertor, or tt you need more inktmatbn, a description d Nra hem youore unsure about. Vou do M nave to pay any amount n quelbn vAele we are invnliga7irq H, Dal you are still Oblig318d to pay the pans of your bill Choi are not In question. While we investigate your question, we wood repon you as delinquent or take any aclbn to tdfett the amount you gtrestitn. t. i Spacial Rule for CredH Card Purchases n you have a problem wsh ttte quality of property or services That you Wrcheed w'M a cretlH wrtl and you have tried in good fails fo cdrred trio problem won the merchant, You may nave f he right rid to pay Ise rertnbing amount dW on the popeny a services. Vou have leis prdectbn Doty when the purchase price was rtgre than 550.00 and the Wrchase was rtatle in your hone stale a within 100 mike d your mailing addres, gl we own or operate Ise mordant, a H we mailed you the adveneertenl bMhe property a aervke5, all purcnasea are covered regardless d amount or locatbn o1 Durchne.) Please remember It sign all corrnpondence. t Does not aDdY to consumer noniredn card attoums T Doe, rid apply to business non~retlrf card accounts Capital One suPDOrts information Privacy prdection: see our web5ile at wxvv caohalone coin Capital One is a lederaly registered service nark of Capital One Financial Coryaalton. All rights reserved. ®2006 Capial One TCO6 O1DM6056 - 1 - 04/10/07 knpntant Noace: Paymens ya mat m a cal De credited w yw acarasn as d aw banes day we revive iL PO^d~ f7) yor srrd tie button patim d fhb :atones ark yar dad it Nte at0~ed rartNlaKe envaM.pe ale (2) yes paynxA'areW,M h ar Poc®g cerde bi'7P.m. tT (12 ttom Py). fsease slow st kaat NVe(5)drleas drysM Pastel drivxy. Payments reravNMeaa font MwaEanah arty Delta lam may rot De a'edNed u d the dry we tecehe sten. Ou buvteu days are Mo,aay sra+gn Saeaday, owveq trways. Pldse do rim tse syles, lases 4a. ac. vRxn PaDakrp Yurt prytnan 500016 ~>>> PSSST... Capital One@ does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and to manage your account online. Capita/w ~ Aat'a in your walret? FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,992.44 - $700.00 + $24.00 ~ $0.00 = $1,316.44 $39.00 May. 12, 2008 Mar. 18, 2008 -Apr. 17, 2008 Page 1 of 1 Vasa Platinum Account 4121.7470-44642835 ~/No Hassle Your Account Information REWARDS" TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $683.56 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $683.56 Finance Charges (Please see reverse for important information) Balance race Periodic Correspondng FINANCE applied fo rate APR CHARGE Purchases $1,466.98 0.05271% P 19.24% $24.00 Cash $0.00 0.05819°L P 21.24X 50.00 ANNUAL PERCENTAGE RATE applied this period: 19.24% Q At Your Service 1-8W955-7070 To cal CLslomer Reialions or b repo•1 a bst or slobn card ® Send payments to: Capital One Bk(USA),NA • P.O. Box 70884 • Charbtie, NC 28272-0884 ® Send Inquiries to: Capital One• P.O. Box 30285 • Sall LaMe City, UT 84130-0285 For More Information on your Rewards: glid ysit: wwx.capitabne.comrpointsrewards Cat 1800-22&3001 Have a question about a charge on your statement? Please refer to the BilFng Rghis Summary on the back otyour statement or visit wwa rzoitalone comldlsoutes r,rnu rav ar cost Has araouur Rewards Summary Prevwus available balance: 473 Eamed this period: 0 (refbcts lransxtims posted during this hiing crc~) Available Balance: 473 Payments Credits 8 Adjustments 1 19 MAR PAYMENT $500.00• 2 10 APR PAYMENT $200.04 Whether yotire in the market for a home equiy loan or you're interested in refinancing, Capital One will find a home ban solulbn to fit your needs. We offer great tales, no hidden fees, and you will receive the oneon-one attention of the same personal loan consultant from call to cbse. Visit www.capitalonehomebans.com for more informaton. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ONTO NANVJ.CAPRALONE.COM TO MAKE YOUR PAYMENT ONUNE. CapitalQy~• ~ wna,•r in Your waueu. 0 4121747044642835 17 1316440200000039008 New Balance Minimum Payment Due Date $1,316.44 $39.00 May. 12, 2008 PLEASE PAY AT 1f.A5T THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA Irlrrln,llnllnrllrl P•0• Box 70884 Charlotte, NC 28272-0884 Inlrllnlnrltllnilnlrlllnrln~rlnlnlnllnlnlnllnrll Account Number: 4121-7470-4464-2835 %ease print address or phone number changes below using blue or black ink. Home Phone Alreinere Phone f•rnail address @ f19010969979524811N MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYFRED LN CAnP HILL, PA 37031-5433 nrlllnrlllnnnllmllrltlnlnlnllnrllrllrinnllrln Please wrhe your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. 'ter A quick glance at ~' what Capita! One can do for you. Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Whether it's braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone.com to learn more! Capital One Bank (USA), N.A., Capital One, N.A., Members FDIC. raz I: 7. How fo Avoid a Flnance Charge. t a. Grace Period. You will have a minimum grxe period d 25 days without finance charge on new purchases, new balance Iranslers, new special Durchases and new doer charges If you pay your idol `New Balance', in accomance with the Important Nofke fa paymeMS below, and In time for h f0 be credited by your next atatemenl cbs)ng tlale. There rs no grace period on Gash advan[es and spxial transfers. In additbn, there Ls no grace period on any transadion N you do rid pay the trial "New balance." 0. Accnrirp Finance Charge. Tnnsadiore whkh are rat subject to a grace period are assessed tirunce charge 1) Irom the date d the traresxtion a 2) from the dale Ine tnnsadbn Ls processed to your AecouM or 3) from the grs1 alendar day of the curtent billing period. Additionally, N you rib rid pay lhe'New Balance from the prevous biNing period in full. lironce charges continue to xcrue fo your unPaitl balance un7N the unpaid balance is paid le full. This means foal you may still owe fnance charges, even n you pay the entire New Balance indicated an the front d your statement by the next stalertrM cbsing date, bW tlid not do so for the previous rtanlh. Unpaid finance charges ere added Io the appNable segment d your AecouM. T c. Minknum FMance Charge. Fa each billing period foal your account rc subject b a (nonce charge, a minimum Total FINANCE CHARGE of $0.50 win be Imposed. If the total finance charge reswing from the applkation d your perbdit rate(s) is less than 50.50, we will sudrad that amount from the 50.50 minkrwm ant the dittererae will tR billed to the purchase segment d your account. i d. Temporary Redudbn in Finance CMrge.We reserve the right fo rid assess arty a all (name charges for any given DNling period. 2. Average Daily Balance (Intruding New Purchases). Finance charge a cakukted by multipymg the daily balance d each segnrM of your acrAUM (e.g., ash advance. purchase. special uarsler, and apeciai purchase) by the coneSpoMfing dairy perfodit rate(s) that has been previousy disclosed to you. At the end of each day during the 6tlNng period. we eppy the daiy periodk rate for each segment d your account to the daily baknca of exh segment 7lrn al Ifr eM of the billing period, we add up the resuns of these dal y cakulelions to aMVe al your perodk finance charge Id each segment. We add uD the results Irom eacA segment to artive of the Idol periodic finance Marge for your attounl. To get the daiy haWnca to each segment o1 your aaounl, we lake 1ha beginning balance 1a exit segment end adtl any new lnrsadiors and any perbdk nnante charge altulaled on the previous days haWnce for lost segment. We then sudrad arty payments a dedits polled as d that day lost are auorated to toot segment. Th's gives us the separate dally balance 10r @xh segRlenl d yWr eccouM. However, tt yd, paid the New Balance shown on your previous antemeM in full (a A your new balance was zero a a credit amount), new tramadkns, which post to your purchase a spxial purchase segmeMS are rat added to foe dairy balances. We akulafe the average dairy balance by atlding all Ine tlairy balances ltsgether and divaing the sum Dy the number d the days in the curtenl Dllling cycle. To calculate your Total Ilnance charge, multiply your average daNy W lexe by the dairy periodk rate and by the number d days in the billing period. Due to rounding an a daily basis, there may be a slight variance between Inis calculation ant the amount 01 finance charge acfualty assessed. 3. Mnual Percentage Rates (APR) a. The Tenn"Howl Percentage Rate" may appear as "APR" on the 1ron1 d this 5latemenl. b. II the code P (Ouaneny Pnnte), L (DUarieriy LIBOR), C (OUaneny CD). a 5 (Bankartl Prirtle) appears an the tlonl d This statement next 1o the periotlk rate(s). the periodic rates ant coResponding ANNUAL PERCENTAGE RATES may vary quaneny arM may increase a tlxrease based on the slated iMkes, as found in The WaN Street Journal, plus the margin previously diacbsetl to you. These charges will be eY,ective on the first day of your billing perb0 covered Oy your periodk statement ending in the moniM of Janwry, April, July ant October. c. II the code D (MOnthy Prime) F (MOmhly IIBOR), or G (Treasury LIBOR) appears on Ina Ironl d your statement next to the periodk rate(s), the peViodk tales and conesponding ANNUAL PERCENTAGE RATES may vary moMhty and may Increase adxrease based on 1M stated indkes, as found in Tne Wan Street Jourtul, plus the margin previowy discbsM to you. These changes will be ettedive on the first day of your billing period exh monm. 4. Assessment d Late, Oventnvt ant Returned Payment Fees. Vour account will be assessed no more Ihan Ihree of the lees listed here that occur during any billing period. Under the tams of your customer agreement, we reserve the right f0 W81Ve a rid 10 assess any lees Wnrad price ratifration to you withoN waiving our right to assess the same or similar tees at a Wler lime. i 5. Renewing Your Account. ll a membership lee appears on Ine Iron1 0l yOUr Slalerteenl, yW have 00 days from the dale Inis suterreM was rteaNed to you to avoid paying the lee or to have such fee credited to you it you cancel your xcount wnhod having b pay the membership lee. To Hotel your account, you must ndny us by offing our Customer Relaliors Department and pay your "New Baance' in lull (excluding Ine membership fee) prior to the end of the lhinyESy period. b. it You Cbse Your Aocamt. You wit request to close your attounl by calling our Customer Relafars DepanmeM. Vou must destroy your credit and(s) and account xcess chocks, dotal all preaulhorized Nlling ant cease using your account. After your requasl to cbse, n you continue to Irarsad a do rat cancel preadrarized Dlaing anangemeMS, we will consider receipt of a charge your adhonrstion fo keep your account open. Additionally. your actounl wgl not be dosed until you pay all artaunts yW OWe U5 IMIUding: any Iransadions yW nave adnorized. fnarra Htarges, pall due fees. overiirNt lees. relumcd payrttent tees, ash aWance tees antl any other fees assessed to your account. Vou are responsible fa these amoums whether They appear on your account al the time you request b close Ine account or they are incurteo subsequent to yotx request to cbse the account. This may resuN in charges appearing on your account otter you have requested the acwunt to be closed. T. Using Vour Account. Your ram or xcount dotal be used in conrtedim with any IMemM gambling transactions. 8. Notice Abdlf Eleclronk Check Conversion Wnen you provide a check es paymanl, you aulnorize us ginner to use infomalion from your chxk to make cone-time e1xlrMk fund transfer Dom your bank xtounl a to process the payment as a chxk transadon. When we use mformatbn from yourMxk to rttike an electronic land transbler, funds may DB withdrawn nom your bank account as soon as the same day we receive Your payment, and You wNl not recewe your check back tram your financial iretitdien. BILLING RIGHTS SUMMARY Qn Case of Ertors a Ouesliors aDOd Your Bill) it you tnink your bill is wrong, a M you need more iMOrmafion on a transadion or Oill, wale to us on a separate sheet as soon as possible al the address for inquiries ahovm on the 7ront d this statement. We mull hear from you ra later titan 60 days aver we sent you the first bill on whkh the erta or problem appeared. Vou wit aN our Castanet Relations number, but doing so will rid preserve Your rights. to Your letter, give us the tdlovdng intortnalion: your name era account number, the down amount of Ne suspxle0 ertor, a desMplion of IM ertor era an explanatbn, n possible, d why you believe there's an ertor, a it you need more inbrtrotion, a descriptbn d the Item you are unsure about. You do rid nave to pay any amount in queston while we are invesngatirg it, 61d you are still obligated to pay the pant d ydlr bill Ihat era rid in queslbn. While we investigate your question, we cannot repot you as dekrpuent a fake any ad'an to mlled ifs amount you quesfim. I, {Special Ruk for Credit Card Purchases II you have a problem with IM quaky d property or servkes that you purchased won a credit acct and you have tried in good tiifh to cared the problem with the mar<haM, You may nave 7rie right rid to pay 1M remaining amount due on the popery a servces. You have this Drdectbn onty when the WrMase price was more than 550.00 and the purchase was made in your home slate a wi1Nn 100 rriles of your mailing address. (II we own or operate the merchant, a it we mailed you the atlvenisemenl for the propery a services, all purchases are covered regardless of amount a location of purchase.) Please rertternber to sign all coneSpoMence. t Does cal apply to consumer non<redn card xcounts I Dries rid aPPh' fo business ran~redir card accounts Capital One supports infomatbn privacy Drdedion' see our websNe al :. - -- Capital One is a fedaralty registered servke mark or Capital One Financial Corporation. All rights reserved. 02008 Capital One TC~B 01 OM6056 - t - Oct/10707 knpelanl Noace: Paymens ywmai to uz W b<srNled tiysv aacun n d the driress day we rruire N, pw+dad (1) You sand h bdtsm poYm d M stikmen and yw rhed'n the uWased rwdttara eedv+e rd f2) yw pyrneN's «adved rt ar Pota>e9 mfe q']p.m. ET (12 nitro PT) Please ako«al least kx(5)daass drys lefmldefvery. Prprimtsrrared q'us at anyWr kceemcir dry oar turn mty ram oe ae6tM as d tlse day we reeave Ten.W panto days re Medry arou~ Saudry, erdudnp hridaYs. Please do trot use stifles. taper rips. eK. wMr pq+mg Ywr paysnenl 6.28% APR* SOD205 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for aFixed-Rate Mortgage, and most of your options will have a similar rate. But here are some of the ways that Capital OneF Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. call toll tree: 1-800-760-2493 or visit www.capitalonehomeloans.com Mon.-Fri. Sam-Bpm; Sat. 10am-fpm EST Reservation Number: 5058 042 026 9093 Ad~~eniseJ annual Ixrunugc ratr is eRitiiive +> ur03/24/2(108 xud subjen m eLangc a am lime. iV'li is bax,l un grwJ er d'n Lismry, 5.03,280 loan anH,um, 80'!o wmbirk~J • loan-ru-va)ue nrio and a 3(1-yetr Fvenl-ran first-lirn mortgage Mnnthly paymem rot this eumple is $1,'.5(.:Wdiwnal terms and rocricnuns apply. EOWL XWSIMfi Cap"al One is an Fipral Hnucing L•.ndcr. Scc nvax fnr addiiinnal impnnam in(nrmarinn. Capital - LENDER Home Equity Loans I Mortgages I Refinancing ~ Debt Consolidation Home EOa~r Previous Balance Payments 8 Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Date ~ $1,316.44 - $50.00 $20.69 $0.00 = $1,287.13 $38.00 Jun. 11, 2008 Apr. 18, 2008 -May. 17, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.446x2835 Hassle /N ~ Your Account Information o REWARDS- TOTAL REVOLVING CREDIT LINE 52,000.00 TOTAL AVAILABLE REVOLVING CREDIT $712.87 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $712.87 Rewards Summary Previous available balance: 473 Earned this period' 0 (redacts fransaciiens posted during this Ming cycle) Availade Balarue: 473 Payments Credits 8 Adjustments 1 07 MAY PAYMENT "~ ~ Finance Charges (Please see reverse for impodanf information) Whether you're in the market for a home equity loan or you re interested in refinancing. Capital One will rind a Balance rate Periodic Corresponding FINANCE home loan solution to fit your needs. We offer great rates, no hidden fees, and you wiR receive the one-on-one applied to rate APR CHARGE attention of the same personal loan consultant from tall to cbse. Visit wvnv caplalonelwmebans tom for more Purchases $1,308.17 0.05271% P 19.24% gp 69 information Cash $0.00 0.05819% P 21.24% 50.00 . ANNUAL PERCENTAGE RATE applied this period: 19.24% Q At Your Service t-900.955.7070 To cal O~slomer Rebtions a b report a bsi or stolen cad ® Send payments to: Capital One Bk(USA),r1A • P.O. Box 70884.Oiabtte, NC 28272-0884 ® Send Inquiries to: Capital One• P.O. Box 302&5 • Sat Lake Gry, UT Bd130-0285 For More Information on your Rewards: \'\l iy Yrsit: w.w~.c~ilabne.taNpointsrewards cat t-soana-3oot ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit ~labne comldsoules PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ONTO WWW.CAPRALONE.COM TO MAKE YOUR PAYMEM ONLINE. 0 4121747044642835 17 1287130050000038002 G'a pltalQ~' I wha,'s in your walleR' Account Number: 4121-7470-4464-2835 New Balance Minimum Payment Due Date Please print address or phone number changes bebw using blue or blade ink. $1,287.13 $38.00 Jun. 11, 2008 Address PLEASE PAY AT LEAST Home Nwne Alternate Vhone THIS AMOUNT _ ., _ Amount Enclosed Il901396997952481811 MAIL ID NUMBER HOLLY ROBERTSON 2301 nAYFRED LN CAMP HILL, PA 17011-5433 Capital one Bk(USA),NA Irlrrlrrril,llrrrrllrl P.O. Box 70884 Charlotte, NC 28272-0884 Inlrllnlnllrllnrlnlrlllnrlnlrlnlulnllnlnlrrllnril nrlllrtrllluunllnrllrirlnlulnllurllrllnnnllrln Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $140 per month? r lower average monthly paymen[ claim based on fire month's paymem on non-purthase loans, exdusivr of closing. costs, char dosed between 07/0)/07 and 12/31/107. Actual low•cr payment may vary. faking out a home equity loan or line of credit may increase she total amount paid when compared ro your cwrem situation. In tome c us, refinancing ro pay ofTeriuing debt may extend [he mrm of she deb[, possibly resulting in higher overall costs and increasing [he total amount paid when compared ro your curren simarinn. Oflbr intended for qualified applinnrs only. Nnr all loan products or corms arc available in all.auras. The actual closing rimes may vat}' hawed upon the stain in which she pmperry is IocmcJ. I owns subject to credit appmvvl. !'his Juss nut reprcatnt an alter to enter into a Iran agreement. lines and teens subject ur change w•ithotn omits. Produrrt and servirn o~rcd by Capita! Our Nwnr !Hans, l_LC. ©2008 Capin! Onr. Capital Onr is a frdnally rrgiurrrd srrvir< mark. A(! r ~a ranard Home Equity Loans ( Mortgages ~ Refinancing ~ Debt Consolidation r~s n 1. How 1o Avoid a Finance Charge. f a. Grace Period. You will have a minlrtwm grxe period d 25 days wHnoN finance charge on new Wrchases, new balance Irens7ers, new specal W rebates and new doer charges 11 you pay ywr Ida! 1Uew Balance", in accordance whh the lmponaM Notke 1d payments Debw. and in times for X 1o he credted by your next slafemeM cbsing date. There a no grace cenod on rash advarttes and special Iramters. In addHion, here Is no grace period on eery transaction h you do not pay Ne trial "New haunts." D. Attmirg Finance Charge. Transaclbns which are not subject to a grace period are assessed Ilnance charge 1) from the data of the transacaon or 2) tram the data the Iransattion is processed to ywr Account or 3) Iron the first calerMar day of the cuneM biling period. Additbnally, a ryes did rid pay the'New Balance" Iron the prevbus billing period in WN, finance Charges continue to attme to ywr Unpaid balaxe until the Unpaid haunts is Raid to lull. This means that gds may s1iH owe finantce Charges. even H ryes pay the eMke New Balance Indicated on the Iron) d ywr slalerreM by the next statement clostrg date, Dut rid not do so Tar the previous month. Unpaid finance charges are added to the applicable segment d your ACCOUnI. t c. Mbimum Finance Charge. Fd each billing period That your accwnt Is subject 1o a anance charge, a rdnimum trial FINANCE CHARGE of 50.50 will bo imposed. I1 the total trance Marge resuking from the application d ywr periodic rate(s) a less Ihan 50.50, we will sudred that amount from the 50.50 minimum and the diflererlce win t» billed to the purchase segment d your attounf. t d. Temporary Reduction In Finance Charge. We reserve the right to rid assess arty d aq rectors charges for any given billing period. 2. Average Daly BaUnce (Including New Purchases). Fbance thongs a calwUted M mudlplying 1M daffy haUxe d each segrtuM dywr account Ie.g.. rash advance. Wrthase, special fnarsler, and speelal Wrthase) by the eortespondirg dairy periodic rate(s) that has been tsrevbusy discbsed fo ryes. AI the eM of each day during the billing period. vre aDdY the daffy periodic rate for exh segment d your account to the dal y balance d each segment. Thert at the end of the Dllling period, we add up the restxa d these daly calunrUlions to artive al ywr periodic Townes charge Id each segment We atld up the reruns from earn segment to artfve at the 1da1 perodk finance charge td your account To get the daff y Oalartce for each segment d yda attwnt. we take the beginning balance 1d exh segment and add any new transactions ant any periodic finarlte charge calculated on the pevious days balance for that segment. we then subtract arty paymena a credos posted as d that day teal are albcated to teat segment. Tna glues us the separate daffy balance 1d exh segmem d god accwnt. However, H ryes paid the New Balance shown on ywr prevbus sUtemeM In lull (or H ydx new balance was zero d a credit arMUM), new transactions, which post to your W rebate d special purchase segments are not added to the daffy balances. Wa cekulate 1ne average daay balance by adding all the daxy baances together and dividing the sum Dry the number d the days in the torten! Nllirg Cycle. To calculate your total finance charge, multiply your average daffy balance by the dairy cenodit rate and by the number d days in the b11Grg ceriod. Due to rounaug on a daly basis, tests Huy be a slight variance between Iha cebuUtion and the amount of hrunce charge adualy assessed. ]. Mnual Peroenlage Rates (APR). a. The term "Mewl Percentage Rate' may appear as "APR" on the front d tea afalement. b. II the code P (OUaneriy Prime), L (Ouaneriy LIBOR), C (OUaneny CD). d 5 (BaMwnd Prime) appears on the front of the statement next Iq the periodic rate(s), the periodic tales and corresponding ANNUAL PERCEMAGE RATES may vary quanedy ant Huy increase a dxrease based on IM staled indices, as found in The Wall Sfreel Journal, plus the rturgin previously discbsed to you. These changes will be ehective on the arsl day d ywr billing period covered by ywr pariodit statement ending in the months o/ January, April. Jury and October. c. It the code D (MOnthy Prime) F (MOnmly LIBOR). or G (Treasury LIBOri) appears on the front d your atalemeM next to tea periodic rate(s). the periodic tales and r;dresponding ANNUAL PERCENTAGE RATES may vary rtgMhry ant may indease a decrease based qn the stated indices. as bond in The Wall Sheet Jwmal, plus the margin pnviously tlisckssea to you. These changes vrill De enective on foe first day d ywr Otlling period exh month. d. Assessment M Late, Overknsl and Retuned Payment Fees. Your xcount will be assessed rte more than Arse of the fees listed here that occurdurirg any dlllrg period. Under the lens d ydx customer agreement, we reserve the right to waive d rid to assess any fees wilhdll pod wfHrcatbn to ryes without waiving wr right to assess the same d simlUr lees at a lalerhme. f 5. Renewing Ywr Account. Ha membership tae appears on the from d ywr sUlemeM, ryes have 00 days from the date this slabnteM waz rrnilM to ryes to avoid paying the feed 1o have exh fee credited to ryes H ryes cencel ywr xcwnl wahoul having to pay IM membership fee. To caeca! your atCwM. ryes must rtdity us M' nikng wr Customer Ralatiore DepanmeM and pay gad "Idew BaUnte" In lull (extludirg the membership lee) Drid 101M end d the lhiriyEay per{otl. 6. II You Chse Ywr Aooount Yw tan request to close ywr account by calling our Customer Relaliors DepanmeM. Vw must destroy your credH rant(s) and accwnt attess checks. cancel all preaNhon2ad Nting and tease using your atodmt. Aber ywr request to close, if ryes continue to transact d do not cancel peadhMZea 6tlling artangemenls, wa will consider rxeipt d a Mege ywr edfgriialbn to keep Ydrr account open Adddionely, ywr accwnt will not Oe tbsed until you wry all amounts ryes owe us including: sty Innsactbrs ryes have aUtMn2etl, trance Merges. past due lees, ovenimil feet, returned Dayment tees, cash advance fees and any doer lees assessed to your accquM. Yw are responsible td these amounts whether they appear on your xcount al the time you request to cbse the accoum or rosy are intoned subsequent to god request fo cbse the account. Tha may nesun In charges appearing on your attwnl after you nave requested the xcount to be cased. 7. Using Vour Account. Vour wrd a attounf cennol rte used in connection with any Interact gambkng transactions. 8. Nof'tce About Eectronic Check Conversion When yw provide a check as payment, you authorize us either 10 use IMOrmelbn Von ywr check to make wane-time electronic fund 1ran5fer ham ywr bank xcount d to Drocess the payment as a chxk hansaction. When we use information Iron your check b make an electronic toed transfer, lands cosy DB wghdrewn from ywr Dank attounf as soon as the saute day we receive your payment and you will not receive your check back Iron your fnaxial irstitulion. BILLING RIGHTS SUMMARY Qn Case d Ertors or Queslioru about Vour Bill) H you think your bill is wrong, or H you need more intormatbn on a transaction d bill, wore to us on a separate sheet as soon as possilxe at the address td inquiries snows on the Iron! of the stalemant. We must near ham you no Uler than e0 days weer we sent ryes tM first bill on which the end or problem appeared. You can cell wr Customer Relafbrs number, but ddng so will rid preserve your rights. In ywr !seer, give us the foaowing infomutbn: your name and account number. Ise dour amount d the suspxted enor, a description d Irte error ant an explanalitn, H posside, of why ryes believe Isere a an enor, d H you need more inlomalbn, a description d the fora you are unsure about. Yw tlo not have to pay any arrartnl b quectbn wNb we ere investigating N, bd you are still ablgaletl to pay the pans dywr bill that era not in question. WMIe we Investigate ywr question. we wnrgt repot ryes as dNinqueM d take any action to tolled the amount Yw gtsesfion. _, f Special Rule for Credo Cam Purchases H you have a Dfodem wHh the gwliy d property d services trot ryes WrMased wile a credH cant and ryes nave Idea in good lash to cortxt the problem wile the merchant, You may have the riphl not to pay Ise rertutning amount tlue on the Ixopery d services. Yw nave f ha prdection Dory when the pdchase price was code thin SSO.CO ant the Ddchase was made in ywr home tote d wHNn 100 miles of your mailing address. (It we aura or operate the merMaM. d H we nailed ryes the advenisemem 1d me propery d servces, an Wrchases are Covered regardless of arttprnt d bCat'wn of purchase.) Please rerrwmllel to sign all cdresponeence. f Does rot appy fo consumer nonireda card xmunls j Does rid appy to business none ~d rand accounts Capital One supports fnfomu7im Drlvacy Drdectbn. see wr websHe al www eaoaabre tom Capital One Is a federally registered servbe mark d Capital One Financial Corporatbn. All rights reserved. J 2006 Capital One TC-0B 01 DM6056 - 1 -04110107 anpwtanl fVOSa: Paymess yarmai b ss wi M o'tded ro ywr atxant as d tie burxas day we receive it Paidea (1) ryes seW the laoaaa I,uam d Ile stawneM and Yar dtsd n rte rW,sW rer+na.a.xdy,e arq (2) gar WH~1s rtoavrd n ar P~9 wow Dy 3 pm. ET /t2 nton PT). Phase fax al lent aro 151 bu~eadays w pdul deswy. Prymws reoaived h us at sty wren Dadra a n arty she kern cosy no1lx at6ud as d are dry we rsatre dtan Ou bass drys are taaNry Orou¢I Saeaday, adu6g MiNya. Prase do na use suites. O4+er dPS. etc. whet PNa:5 Yua 0rsmenL SOOODB Capit~-rnYo„rwaner: It coulddue on yourstatement as soonyas poss ble,amount MOLLY ROBERTSON Keeping your credit in good standing can do a lot more than you think. WHOOPS ~ GOOD CREDIT =GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) f f - f IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) f t . Waiting on your tax stimulus check-and looking for a smart way to use it? Pay off your debt and help bring your Capital One account back to good standing. Cs1 2OOX Caf~ital Oar .Servirrr, Lu. C.apiral Onr it a frdrrally r ~iarrrrl..rniirr mark. All rixlrir rerrrvrd FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,287.13 - $0.00 + $21.34 + $39.00 = $1,347.47 $111.00 Jul. 12, 2008 May. 18, 2008 -Jun. 17, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.44642835 /NoHass/e ~ Your Account Information REWARDS" TOTAL REVOLVING CREDIT LINE $2,000.00 TOTAL AVAILABLE REVOLVING CREDIT $652.53 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $652.53 Finance Charges (Please see reverse for important information) Balance rate Periodic Carespondrtg FINANCE applied to rate APR CHARGE Purchases $1,306.18 0.05271% P 19.24% $21.34 Cash $0.00 0.05819% P 21.24% $0.00 ANNUAL PERCENTAGE RATE applied this period: 19.24 ilrAtC o_, a7lf'sT TN15>rAOUM You're f:ehind try rTre payment. P.ememL•er I:`k': paying fire minimum peyman; Ir/ the :Ale date keeps year accoura current. zt~ make sure yti:u semi in ihk minimum pc)ymenl le kc{p •):ar aacuni rurn~nl. "Imponant IJolice" Under the terms we previously disclosed fo you, your account is rrau elgiWe for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected nM 1o wise your APRs at this time. Please be advised that if you fail to keep your acwunt in good standing, Capital One reserves the rght fo raise your APRs in the future. Rewards Summary Prevbus avail~le balance: 473 Eamed Ihis period: 0 (rel6cts transactions posted during Ihis hifng cycle) Available Balance: 473 Payments Credits 8 Adjustments At Your Service 1.800.9557070 Transactions To rat Orslorrx:r Relations a to report a bsi or sbbn card 1 11 JUIJ PAST DUE PEE $39.00 ® Send payments fo: You were assessed a past due fee because your minimum payment was not received by the due date. To Capital One Bk(USA).NA • P.O. Box 7088E • Charbtte, NC 18171-0884 avoid this fee in the future, we recommend that you albw al (east 7 business days fa your minimum payment to reach Capital One. Send Inquiries to: Capital Ore• P.O. Box 30285 • Sar Lake Oty, lJT 84130-0185 For More Information on your Rewards: Y1{rr VsiY wvwi.capitabre.oomlpointsrewards Cat 1-800.22&3001 Have a question about a charge on your statement? Please refer l01he Bitting Rights Summary on the back of your statement or visit www caatalone comld~soules PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ONTO WVJW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. Capitalr~' I wna,•: in Yo„r wal~et7• 0 4121747044642835 17 1347470050000111000 New Balance Minimum Payment Due Date $1,347.47 $1 011 0 Jul. 12, 2008 I'LtASt I'AYAI LFA51 THIS AR4UlItJT Amount Enclosed Capital One Bk4USA),NA ~r(rr~rrr(~~r~lrr~t r~~ P.O. Box 70844 Charlotte, NC 26272-0884 (u~r~~n~nt~t~(niln(r((~nr~n~t(n~n~n(~n~n~lr~(nr(~ Account Number: 4121-7470-4464-2835 %ease print address or phone number changes bebw using blue or black ink. Alternate E-rnai/address @ fl901704i9979524813,Y MAIL ID NUMBER HOLLY ROBERTSON 2161 nAYrRED LN CA11P HILL, PA 17631-5433 m(~~nr(~~nuu~~ur(~r~r~n(n(u(~nr~(r~~nnn~~r~u Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and rnai) with this coupon in the enclosed envelope. i. Now to Avoid a Finance Charge. a.Grace Period. Vou will nave a minimum grace period of 25 days without finance charge on new purchases, new balance Iransters, new Special Wrchases ant new other Charges N you pay you! laai'New BaWnCe", in accordance wNh 1ne Important Ndke for payrrenls bekaw, and in time for N to be credited by Your paYrnenl due date. There is no grace perkd on cesn aMances ant special transfers. In addriion, there k ra grace period on any transaction N you do not pay Ibe Coral "New Balance." D. Accruing Finance Charge. Trensactbns which are not subject to a grace period are assessed finance Charge 1) from the date d the Iransadion or 2)lrom the date The trarlsactlon is processed a your Account « 3) Iron the first calendar day of the cunent billing period. AddNionalty. N you d10 not pay the'New Balance"from the pevbus billing period in Lull, finance charges continue 1o attrue to your unpaid balance until ibe unpaid baance is paid b lull. Thiz means loaf you nary still owe bnance charges, even N you pay Ina entire New Balance indicated on Ina front 01 your statement by the payment due date, bN did rat do so for the pevious month. lMpaid Onance charges are added to the applicaae segment d your AcewM. c. kanimum Finance Charge. For each billing period Chef your account k subject to a finance charge. a miMmum total FINANCE CHARGE a E0.50 will be imposed. d. Temporary Reduction in Finance Charges. We reserve Ise right to not assess any a all Onarxe charges for any given billing pencil. 2. Average Dairy Balance pnduding New Purchases). Finance charge rs cakuWled by munipying the daffy beWnce d each segment M your account fe.g.. cash advance, purchase, special Irareta{ and specal purchase) by the corresponding daily penodk rate(s) that has been previousy disebsed fo you. Al IM eM of each day during the billing period, we apply the daay periodic tale for each segment of your account to the dairy balance a each segment Then at the end d the billirq period, we add up the reauns of these daily Wkulalbns to eMVe al your perodk finance charge for each segment. We add uD the resuhs from each segment to amve at the teal periodic finance charge for your account. To gel the daffy balance for each segment a your account. we take Ibe beginning balance fa each segment arm add arty new lransactiore ant any pertodk finance charge eakulatetl on Ise previous days balance for Thal segment. We inert subtract any payments a Credits posted as of that day Thal are allocated to Ihal segment. This gives us the separate dairy balance la each segment of your account. However. N you paitl the New Ralartce shown on your previous statement in lull (« it your new balance was zero a a credN amount), new Iransatlions, which post to your purchase a spatial purchase segments are rat added fo the daily balances. We calculate the average daily belance by adding all Ibe daffy balances tog¢1ber and dNidirg the sum by the number a the days In Ih¢ current baling tyde. To cakutale your Taal finance charge, muNipty you average daffy balance by Ih¢ daffy periodic rate and by Ise number of says in Ise Dilting period. Due b rounding on a daily basis «due 1o rrinlmum finance charge assessment. Isere may be a variance between this calCUlalbn ant Ise amalni a linante charge aaUaly assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Role" maY appear as "APR' on the tronl a this statemaM. b. If the code P (ouaneny Prirre). L (a,aneny LIBOF3), C (OUarieriy CD). «S (Bankcartl Pdme) appears oo the front alhis statement next fo 1be periodk rate(s), the penodk rates and cortesponding ANNUAL PERCENTAGE RATES may vary quavery ant may increase «decrease besed on the slated indkes, as IouM In Ttw Wall Street Journal, plus the margin previously disclosed to you. These changes wiX be enective on the f rst day of your billing pencil covered by your perodk statement ending in the months of January. ApAI, July and October. c. 111he rode D (MOMhy PMre), F (MOnthy LIBOR). or G (Treasury LIBOR) appears on the from d your statement next to the perodk role(s), Ina periodic tales and conesponding ANNUAL PERCENTAGE RATES rtuy vary monthly ant may increase or decrease bese0 on the stated indkes, as touts In The Wall Street Journal, plus the margin peviousy disclosed to You. These charges will be enedive on 1ne first day of your bllkng perod each month. 4. Assessment d Late, OveAimN and Returned Payment Fees. Udder the tartrw a your customer agreement, we reserve the right to waive a rid to asaeaa any 1¢es wNhoul pri« nanrwtbn to you without waiving our ngM to assess the same a siMWrfees of a later time. 5. Membership Fee ant Renewing Vour Account. If a membership tee appears on this atatemeM, we will credo the lee N you request to dose your account wNhin 30 days a the mailing o/this 51a1emeM. You may continue to use tbe aCCOUM during the 30 day period before your request. I1 you do rat pay all charges owed on this attouM vdlh in 90 days, or N you use your tred'd card « account aver you request to cbse, any membership fee pevbusly waived may be reinslaletl Io y«x account. 6. Cbsing o1 Suspending Your Aorount. Vou may request Thai your acttuM be tbsed Dy Cslllrg or canting our Customer RelaOOns Department. At the time d your request, we will Drovide You wNh addNiorul darelk on Cbsing yo« account This may iMlude payment Information. If you Use your credit Card or charges post to your acttunt aver you ask us to cbse your auount we can keep your account open or reopen it. We may cbse or suspend your account ant your right Io obtain credit. We may do this al any time ant t« any reason, even N you are not in tlelaull. A suspensbn of your attount tan be perrranent a temporary. If your aetount is cbsed a suspended, you roust stop using your credo ura and account. You must also cancel all peauthorized billing anangemeMS to Ise attount. We will not do this la you. tf we dose a penrunenfy suspend your account. you must also destroy all credo cards ant account access Checks. Vou must still pay all amounts you owe In on Ibe attount. even it they were charged aver your account is cbsed « suspended. 7. Makirg Payments. Payments you maA to us will be Credited to your account as of the business tlay we reuive h. provided (t) yov aentl the bosom patbn a 1hh sUlvment antl your check in the enclosed remittance envelope and (2) your payment i5 received in our Dlotessing Center by 3pn ET (12 noon Pit. Please apow of leas) five (5) business days for postal delivery. Payments receNed Dry us at any other bcation «in any dher form may not be crediletl as d the day we receive them Our business nays are hbnday Ihroudh 8. Notke About Ebclronk Check Convenbn. When you povide a check as payment you aMnonze us eNber to use infomtatbn from your check lomake a cite-time electronk fund bansbr from your OeposN account «io pocess the payment as a check transaction. WDen we use inlarretbn from yola ctwck to make an dectronk 1uM Iranater. IuMS may be wNhdrawn from yotx deposN account as sdort as Ibe same day we I¢ce1V! your pdymenl, ant y W will rid receive your Check Wdc from your financial insthUlion. Your authodnlbn is not limned by'the date on the check. We may resuDlNl alto eladronkalry cdlect returned payments. 9. BankruDity. H You ere eMNkd to bankruptcy prMettian la your account, this canmunicetbn is Doty for IMOnrulbnal purposes. II is not an anertpl to tdlect, assess « recover a debt or claim Do rid send any paymems direcly Io us without speaking with your Dankrupcy atlomey a the Bankrupcy Court. II you want to contact us about your account a your bankrupcy proceeding, please have your anomey contact us. TBILLING RIGHTS SUMMARY (In Casa of Errors «Oueslbru about Vour Bilp If you Ihink your bill u wrong, a N you head more IMOrmalion on a iren58di«I or bill, came to us on a separate sheet as soon as Ixtsside a11he address for inquiries snows on tM 1ron1 d Chia 51a18men1. We must hear Iran you no later than fi0 days aver we sent you Ibe oral all on whkh the coot or problem appeared. You can call our Cusforner Relatiorts number or naNY us W erroil «webaNe, but doirg so will not peserve your rigMS. In your lever, give us the Idbwting infarmatbn: your name and account number. the ddlar amount d the suspected error, a tlestnptbn alhe ert« ant an explanation, N possible, of why you believe there rs an ertor, a H you need more inianatbn, a Oescripbn of the Nem you are unsure about. Vou do not have to pay arty amount in quesion while wa are Investigating N, bN you are still obligated b pay ibe pans d your bill that are not in question. While we invesligafe your question, we cannot report you as delinquent or take any aMlon to cdlecl the amount you question. i Special Rule 1a CredN Card Purchases If you have a problem with the qualiy of property a servces that you purchased with a credN card and you have tried in goad faith to correct the poaem with the merchant you may have the ngM not to pay the remaining amount due on the popery a servks. You Nve this prdectbn only when the purchase price was more than S5D.00 and the purchase was node In yo« hone 61318 a within 100 miles of your msiling atldress. (H we own or operate the merchant « N we mailed you the adverikemeM for the popeny a services, all purchases are covered regmdless of amount «locatbn d purchase.) Please remember l0 sign all correspoMenGe. t Does not aPDy rn business accounts Capital One aultports inlomalion privacy protection: see our websNe al wyAV r?o orlon om Capital One is a 1tWeraly registered service mans of Captal One Financial Corp«afbn. All rights reserved 02008 Capital One anportant Noace: Paymerps rya and era rA a a'sdk0 to you acaant as d ore W!r ss day we receN<X, Poide0 (1) yw amA fre bosom paaat d ass sbWrwn ad yar dtak n aK aldnad radnaxa arWape ad (3/Yar pHnan a recdved it au pocars.g swtw try 30.m. ET (12 van Pi). Place asoa al kart Fx (5) baress days la pond dekxry. Payrrwru rrxdxd by la sl+^Y otw boom a n yN coca turn may not a as6ted as d ale day w¢ rxdx awn. Qr drow,s days re Madsy amyl Sasxdry, exdu6g hdsrrs. Plisse aD nq vse stapes. Papa l(pa, rlc. rAvn P~akNYus Daymalt Capit~ - what's in your wallet? LET'S TALK -WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital Ones we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. 500009 • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. Waiting on your tax stimulus check-and looking for a smart way to use it7 Pay off your debt and help bring your Capital One account back to good standing. C~ ZOOR Capirn/ Qnr ,Ser:~ieu, /nt. Grp$nl one it a fderellp rrgittrred trrnicr mnrk. Al! rig/xf rurrved. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance MilTimum Payment Due Date $1,347.47 - $0.00 $21.31 + $39.00 = $1,407.78 $185.00 Aug. 11, 2008 Jun. 18, 2008 - Jul. 17, 2008 Page 1 of 1 Visa Platinum Account 4121.7470-44642935 /N Has le ~ Your Account Information o s REWARDS TOTAL REVOLVING CREDIT LINE 52,000.00 TOTAL AVAILABLE REVOLVING CREDIT 5592.22 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH 5592.22 f: rAtr F- ~ ~T I.r...,T TH'S uAgI11J7 YJ~ re hehlnd b,+ Iwo raymens. Lars tall. If Y•w're having financial diiflcd;ies 2nd cart f make yom minimum r>ajmert - we wool fc help. Let's work Icaelfcr to find n sduli-n. "Important IJolice" Under the terms we previously drsdosed to you, your account'rs now eligble for an irxsease in Annual Percentage Rates (APRs} effective immedalely. However, Capital One has elected not 1o raise your APRs aphis time. Please be advised that if you fail to keep your account in good startdng, Capital One reserves the right to raise your APRs in the future. Rewards Summary Previous available balance: 473 Earned this period: 0 (refbcls lransaclbns polled during Ihis dYng qcp) Available Balance: 473 Finance Charges (Please see reverse for imponanl information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 51,365.49 0.05203% P 18.99% 521.31 Cash 50.00 0.05751% P 20.99% 50.00 ANNUAL PERCENTAGE RATE applied this period: 19.99°/ Q At Your Service 1.900.9557070 To cal OJSboy:r Remtions or b repot a bst or stolen card ® Send payments to: Capital One Bk(USA),NA • P.O. BOy 70884 • Charbtle, NC 29272-0884 ® Send Inquiries to: Capital One• P.O. Boy 30295 • Sap Lake Gty, UT 84130-0285 For More Information on your Rewards: glr!I Vsit: vww.cap+tabne.eonJpanlSrewards cat 1-9oo.zze-3oot Have a question about a charge on your statement? Please reler to the Billing Rights Summary on the back of your statement or visit www caoitakme comldsputes Payments Credits & Adiusiments Transactions 1 12 JUL PAST DUE FEE 539.00 You were assessed a past due fee because your minimum payment was not received ay the due date. To avoid this fee in the future, we recommend Thal you allow of least 7 business days to your minimum payment to reach Capital One. PLEASE RETURN PORTK)N BELOW WITH PAYMENT OR LOG ONTO WVJVJ.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. CapitalQl~~ wha~sinyourwaun)• 0 4121747044642835 17 1407780050000185000 New Balance Minimum Payment Due Date $1,407.78 $185.00 Aug. 11, 2008 I'(EASE I'AY A 11tA51 THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA Irlrrlrllrlrrlrlrlllll P•0• Box 70884 Charlotte, NC 28272-0884 lulrllnlnllrllurlnlrlllnrlnlrlnlnlnllnlnlnllnrll Account Number: 4121-7470-4464-2835 Please print address or phone number changes below using blue or black ink. Home Phone Alteinare Phone f-mail address @ 1l9020069979524818N MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYPRED LN CAnP HILL, PA 37011-5433 nrlllnrlllrnnrllnrllrlrlnlnlnllulllrllnnnllrln Please write your account number on your check or money order made payable to Capi[al One Bk(USA),NA and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How to Avoid a Finance Charge. a.Grace Period. Vou will nave a minimum grace period of 25 days wHhout finance charge on new purchases. new balance Iranslers, new spacial Durohases ant new other charges H you pay your ldal'New Baance", in act«dance wNh the Impodant Ndice t« Dayments bebAV, and in time for H to ba credHx by your payment tlue dale. There Is no grace perod on cash advances and special transfers. In addition, there is n0 grace period on any transaction H you do not PaY the trial "New Balance." b, Accruing Finance Charge. Transactions whkh are not subject to a grace period are assessed finance charge t) tram the date of the Iransadwn d 2)lrom the date Hse transaction is processed to your Account d 3) born Ise firs) calendar day of the curtM1 billing period. Additionally. i1 you did not pay Ihe'New Balance" from the pevbus billing period in IWI, finance charges Continue fo BCCNe to your unpaid balance until tM unpaid balance is paid in full. This means That you may still Owe flNnte charges. even N you pay the entire New Baance iMicatx M the irons d your statement bk' the payment due date, bW did not do so t« the previous month. lMpaid finance charges are xtled la Ine applicade segment of your ACCWOI. c. Minimum Finance Charge. F« exh tiling period teal youraccount a subject to a finance charge, a minimum trial FINANCE CHARGE d 511.50 wilt De imposed. d. Temporary Reduction in FMance Charges. We reserve the lgM to not assess any antl thence charges for any gNen billing perod. 2. Average Dany Balance (Incbding New Purchases). Finance charge h nkulatx M' munipying the daffy balance d eaM segment d your account (e.g., cash atlvarke, purchase, special transfer, and spacial purchase) try the carezpoxing daily perixic rate(s) That has bean previorsy dish«x fo you. Af the end o1 each day during the billing period, we apply the daily perodk rile Id each segment of your account b the dairy balance d each segment. Then at the eM o1 the billing Dertod, we add up the resutls d these daily W Iculatbns to amve at your penxk finance charge 1« Bath segment. We add up the nesuHS Tram each segment to arrive al the total periodic finance charge for your account. To get the daily balance for each segment d Your xcasrnt, we lake the beginnvg balance 1« each segment ant add arty new innsactions ant arty perodk finance Marge cakWatx on the pevious days balance id loaf segment. We IoM subtract any paymenn «eredas posted ac d that day that one alkuafed to Ihat segment. This gives us the separate daffy balance /or each segment d your account. Nowever, H you paid the New Balance shown on your previous statement in Lull (« H your new baance was zeno or a trill amount), new iraMadlons, whkh post to yWr purchase «spxial purchase segments are not addx to Ifw daffy balances. We calculate the average dally balance by adding au iM daffy balances together and drvidirg the sum by the numb« d the days In the tumenf Dilkng cycle. To wkWate your total finance charge, mlHipry your avenge daffy balance by Ine dairy parlodk rate antl Dy Ine number d nays in the filling period. Due b rounding on a daily basis «due to minimum finance charge assessment. there may be a valance between this calculation ant Ine amount of finance charge adualy assessx. 3. Mnual Percentage Roles (APR). a. Ine term"Annual Percentage Rate" may appear as "APR" M the IroM d 1ha sutemMt. b. If the code P (OUanMY Prirtw), L (Dualely LIBOR). C (DUaneny CO). « 5 (Bankcard Prime) appears on the front of fhie slalenlenl neXt 10 the perodk 21e(s], the periodic rates and tortespoMing ANNUAL PERCENTAGE RATES may vary gunnery and may Increase «decrease based M the staled indkes. as found in Tree WaI151ree1 Journal, plus the margin previously discbsx to you. These changes will be effective on the grs1 day o1 your billing period covered by your perodk statement eaing in the months d January. April, July and October. c I1 the code D jMOnthly Prime) F (MOnlhy LIBOR). or G (Treasury LIBOR) appears M the front d your statement next fo the pericdk rate(s), the periodic rates antl cortespondinq ANNUAL PERCENTAGE RATES may vary m«dhry and may increase or decrease based on the slated Indices. as found in The wan Street Journal, plus the margin peviousy discbsx to you. These changes will be eMectlve an the f rst day o/ your billing period each month. <. Assessment «Late, Ovenimtl and Returned Payment Fees. Under the lama d your customer agreement, we re58Na Ine righ110 W21ve « MI 10 aEEeES any Iea4 wiltgN poor ndiacation to you wuhoW waiving our nghf 1o assess the same «siRNlar fees at a later time. 5. Membership Fee and Renewing Vour Account. II a merttbershlp fee appears «1 mss 5lalemenl, we wiA clxH the lee H you request to close your aaouM within Ny days d the mailing d this statement. Vou may continue to use the account during Ine 70 day period befae your request. If you do not pay all charges owed on thk account wHh in 90 days, or H you use your cries card or actoum after you request to tbEe, any membersNp nee prevbaEy wm~x may m rretatx b your account. 6. Cbsing or SusperMing Vour Aooounf. Vou may request Isar your account be cbsi by calling awning our Customer Relations Depanment. Af Ine time o/your request, we will provide you wiM add'nional details on closing your account. This may include I>eYmeM Inbrtrotion. lfyx use your trill cant «Wrges post to your accoum aver you ask us to close your account. we wn keep your acwunt open or reopen H. We may ckrse or suspeM your a«ounl ant your right to obtain trill. We may do Ibis at any time ant for any reason, even H you are not in default. A suspxsion of your court can be permanent «temporary. H your account is dosx «suspeMx, you must slop using your cries card and account Vou mot also cancel all pnauthorizx 6Hling artangemenn to the account. We wiN rid do INS for you. If e close or pertrorienty suspend Your attouM, You must also destroy alt crib cards and account access checks. You rtwsi still pay all amounts you owe us on 1M account. even H Ihey ware Merged aver your account is doss « suspended. 7. Making Payments. Payments you mall to us wiN be trxHi to your actouni as d the business day we receive H. provided (1) you send the boHOrn pollon d this Etafemenl and yoW check in the enctosx remMante envebpe and (2) your payment is rxeivx in our Drocessing tamer by 3pm ET (t2 noon PT) Please allow at kasl fve (5) business days Ion postal delivery. Payments rxeivx by us at any olMr bnti«t or in any abet forth may not be cridx as of the day we receive them Our business days are Monday Nrough 8. NdiCe ADOUt Eleclronk Check Conversbn. When you provide a check as payment you aWtwrize us either 1o use inlormalbn from your check to make a me-lime eledroMC fund transfer from your deposN account «lo process the payment as a check IransectiM. W rqn we use Infomulion from your chxk b make an electronic Lund Irarisler, funds may be withdrawn Iron your deposes account as soon as the same tlay we receive your payment, and you will rtc0. reeeive your Check bxk ban your fufancial InstH Wigs, Vour aufrorizafion h not limned by the date on the check We may resubrtal and eledronkalry Lolled retuned payments. 9. Bankruptcy. If you are eMHix Io bankruptcy proled'ans for yOUr 3000Un1, this COnYlfUnkatbll iE Only IOr {niorrrollOn31 purposes. u rs rot an anertpt to collect assess «recover a led attain. Do cal send any payments tlirxly to us wiNOW speaking wnh yo« mnkruptry anomey «ihe Bankruptcy Gan. If you want to tooted us about your account «your bankrupky proceeding. lease have Your alomey contact us. TRILLING RIGHTS SUMMARY (In Case d Errors «Oueslions abdn Your Bill) 11 you Ihink your tlll is wrong. « H you need more iMorrt+atbn M a iransacon or bill, write to us on a separate sheet as soon as possibe al the address for Mquiries shown m the front d Ibis statement. We must hear from you no IEler Msn 60 days afar we sent you iM Tint hies on whkn the ertor or problem appeared. Vou wn call our Customer Relations number « ndiry us by enroll «websile, but ddng so will not pesenre your rights. In yowl lever, give us Ine lollowing inlomsatbn: yWr name antl attount number. the dalaramounf d the suspedx error, a desMplion dlhe art«antl an expbnation, H possible, dwny you believe there is an ertor, « H you hex more inforrtafton, a descdplion d the Hem you are unsure about. You do rat have to pay arty amount in question while we are Investigating it but you are still obligati b pay the pans of your bill that are rat in queston. While we investigate your question. we cannel repol yoU as delinquent or lake arty adios to celled the amount you question. T Spxlal Rule Id CrxH Card Purchases It you have a problem wHh the quality d property or services Thal you purohasx wHh a ales card and you have bled in good faith 1o cared the problem wHh the merchant, yal may have the right not to pay the remaining amount due on the popery « servces. You nave mss proxction onry when ine purchase pace was more than E60.00 and the purchase wx made in your hone slate «wHMn 10D miles d your mailing address. gl we own or operate the merchant, «H we nailed you trb adveniserront for the property «services. all purchases are coverx regaroless of amount «locatbn d Durchase.) Please remember to sign all c«respoMence. T Dees rid apPy ro business accounts Capital Ova suppols Intonation privacy protediM: see our weMHe a1 www ar ~Ntabne r„m Capital One Is a lienlty registerx servke mark of CapHal One Financial Corporalton. Ali rights reserved. O200B Capital One D1DNni066. 1 knpalau Nofu: Pxrmarn You maA a re wa b aedwd lE ynr acasnf as d Iha bransss day are recdve H, poadd (1J yw sent sx bonum peen d Eis slalenan and yw dwd, ii the eadoud iadaasx anJrpe aN (1y Yar WluwN a reahxd'n ar pocassrp cmw q 7 p.m. ET (12 van PT). Phase abw+l Is+61 hre I6j bvsnen drysW posul dri+erv. Prymnls recehM M us n arty rdra kratlaf a n any ova wm mat mr x eadtad n a EK d ,•~ wr rar:,r n,.n. w Ia9,asss days era Maway aovp~ sakamy. adndrp l~daara. Pla++a w rid tea ~I>ks. 0~ dw. tic. what N W+rha ray pi>~A 500070 MAKE A PAYMENT. AND TAKE CONTROL ~apit jQy~- OF YOUR CREDIT WITH CAPITAL ONE® what's in your wallet? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. C~ 2008 Cupitaf One $eniiar, hx. Capitol gs it n frderally rtgirlercJ arrvire mark. Aff riglas rrururd. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,407.78 - $0.00 + $23.79 + $39.00 = $1,470.57 $262.00 Sep. 12, 2008 Jul. 18, 2008 - Aug. 18, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.44642835 H l /N ~ Your Account Information ass o e REWARDS" TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT 5529.43 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH 5529.43 YoL're. Cehind k,~ fhr?e p°ymenl^ 6ul y~,u an brine ;our aucur:l current Lq• ~•im tt;e minimum aymenl amcun: or. ycarr s;:;t^m•.nl. If yc~ re I:a:ring rrancial difGruY.i~ arn1 you're ferling nervrhelrc~eri - •re wan! *a help. Giva sn<~ of cur a.=.:~ecr!c~ ::.:II al 1.tiii 4~^,.ft~G.'iou'd to :urprisc!i v:hit wz can rig lu:?.tl;er In w(vF; This cut. "Important IJOtice" Under the terms we previously discbsed to you, your account is now elgble for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected rat io raise your APRs al this Time. Please be advised Thai if you fail to keep your account in good standing, Capital One reserves the right io raise your APRs in the future. FF nee Charges (Please see reverse for impodant iniormalion) Rewards Summary Previous available balance: 473 Balance tale Periodic Corresponding FINANCE Earned This period: 0 applied to rate APR CHARGE (relbcts vansactions posted ding this tirng cycle) Purchases $1,428.96 0.05203% P 18.99°A 823.79 Avai{able Balance: 473 Cash 50.00 0.05751% P 20.99% 50.00 ANNUAL PERCENTAGE RATE applied this period: 19.99% Q At Your Service • Go b wwx.wrataMe.oom to manage your arroount, « Cat 100-9557070 b repod a bsi «stolen card « speak to Oxtomer Reblions Pay Online al wwe.cadiabne.com«mailyvur payment to' Capital One Barak (USA), N A. • P.O. Box 70884 • (harbtle, NC 28272-088/ ® Sendlnquiriesto: Capital One P.O. Box 30285 • Sar Lake City, UT 84130.0285 Manage your Rewards online by visiting Glr° w,axr•~d:~«,n,nx,in,~warnx «Cat 1-800-22&3001 Have a question about a charge on your statement? Please refer to the Billing Rgh1s Summary on the back o1 your statement a visit www.caoifalone.com/dsoutes moments Credits 8 Adjustments Trah5aCt10n5 1 11 AUG PAST DUE FEE 539.00 You were assessed a past due fee because your minimum payment was not received by the due dale. To avoid this fee in the future, we recommend that you albw at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMEM OR LOG ON TO WWV/.CAPITALONE.COM 70 MAKE YOUR PAYMENT ONLINE. Capita/Ql~' I wna,•s;n year v~anetl• 0 4121747044642835 17 1470570050000262003 New Balance Minimum Payment Due Date $1,470.57 $262.00 Sep. 12, 2008 PLEASE I'AYA1 LtASI T1115 AMOUNT Amount Enclosed Capital One Bank (USA), N. A. P.O. Box 7©884 Charlotte, NC 28272-0884 Ilhlnnnrlrllhl'IlllllllllhllNltnllll'Il'I'nllhullrll Account Number: 4121-7470-4464-2835 Neaze pr"mt address or phone number changes bebw using blue or black ink. Home Phone Ahemale Phone 11902336997952481911 MAIL ID NUMBER HOLLY ROBERTSON 2101 nAYFRE- LN CANP HILL, PA 17011-5433 rplrplrlrlllhlllrIII"nrl'rnllnlllllll'I'Illll'v'Illl'I'I Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How to Avow a Finance Charge. a.Cxace Pedod. Vou will have a minimum grate period d 25 days vtilhoul finance charge on new purchases. new balance transfers, new spacial purchases and new doer charges Hyou pay yourfdal "New BaWnte', in accordance whh Me Important Ndke for payments bebw, and in time fa H to be credNed 6y your payment due tlate. There is no grace periea on cash advances ant spxial transfers. In addition, male a ra grace period on any Iransactial H you do not pay the teal "New Batarae." b. Accruing Finance Charge. Trensactiors which are rat subject to a grace period are assessed finance charge 1) Iran the date of the Irancadidl d 2) from the date IM transaction k processed Io your Account d J) kom the first calendar day of fhe curtest billing period. Additionaly, I1 you did not pay the `New 881anCe" from the previous Dilling period in full, finance charges caminue a attrue to your unpaid Oaaxe until the unpaid balance is paid In full. This rneanc that you Ray atiN owe finance charges, even N you pay the entire New Baance iMkatetl on the front of your statement by Ise payment due date, but did rid do so fa fhe prev'aus month. Unpaid enance cMrges are added to Ina applkable segment d your Actoum. c. Milknum Finance Charge. Fa exh tilling parka that your account a 6ubjed to a finance charge, a minmum flat FINANCE CHARGE of $0.50 will be imposed. d. Temporary Reduction in Finance Charges. We reserve the ngM to not assess any a all finance charges for any groan Dilling periotl. 2. Average Dairy Balance (IneWding New Purchases). Finance charge a cekulated by munipying the dairy baance of each segment d your account (e. g., rash advance, purchase, special lranslel, and special purchase) Dy the corresponding dairy peogdic rate(s)thal has been previousty di:closed to you. At the end d exh day during the dlkng period, we appy f he laity periodic rate 1d each segment o1 your account to the laity balance d eacA segment. Then at the eM d the billing period, we add up Ina rasuns d Ihese dairy wkulaliom to amve at your periodic finance charge 1a exh segment. We atld up the results from exh segment to artive at Nte Idol periodic finance charge for yourattount To get the dairy balance for each segment d your account, we take fhe beginning Delance 1a eacA segment and atld arty new transacions and any periodic finance charge cakulaletl on the previous days balance fa Ihat segrneM. We then srrblract any payments or aed'HS polled as of Thal day Ihal are alkaated k roar segment. The glues In the separate defy balance for each segment d your attauM, however, H you pant the New Galante slaws on your previous clalement k Ill (a i1 your new W Wnce was zero a a credit arroum), new transactions, wMCh post to your purchase a spatial purchase segments are twf added to the daffy balences. We raltuUte the average daffy balance Dy adding all the dairy ceances together and dividing the sum by Ise number d the days In the tunem bNNng cycle. To fakulafe yWrtdal finance charge. mullipy your average aaiy balance by the aaiy periodic rate aria Dy the number of days In the Dilling period. Due to rounding on a daily basis or due to rtinimum finance charge assessment. (here may be a variance between this calculation and the amount Of finance charge adually assessetl. 7. Mnual Percentage Rates (APR). a. Tne term "Annual Percentage Bale"Ray aDDear as "APR" on the Ironl 01 fn's atalement 6. II the code P (ouaneny Prime). L (OUarieriy LIBOR). C (OUanMy CD), a 5 (Benkt3m Prime) appears at Ina IraM d this statement next to Ina periodk role(s), the periodk rates and Cortesporaing ANNUAL PERCEMAGE RATES may vary quarleny ant may increase a decrease Dosed on Ina stated indices, as found in The Wall Street loumal, plus the margin previousy discbaed to you. 7nese changes wiN be effective on fhe frsl day of ycur Dilling perigd covered Dry your perfodk statement ending in the rnaMhs d January. April. Jury and October. t. II the code D (Monthly Prime), F (Monthy LIBOR). or G (Treasury LIBOR) appears on the front d you statement nee to the periodk rate(s), the periodic rates and wnes)wnding ANNUAL PERCENTAGE RATES rtay vary montnty ant may increase a decrease based on the slated Indices, as found in The Wall Street Joumat, plus the margin prevbusy declosed b you. These charges will be eHecWe on the Trsl day d your Diuirg perod exh ma,tn. 4. Assessment d Late, OveRinal and Relumed Paymem Fees. Under the tem16 d your CIr3lgrMr agreement, We reserve the right to waive a rat to assess any lees without prig ndilkatbn to you without walNng our right to assess the same a Slrttilar tees of a later lime. 5. k3emDershlp Fee and Renewkg Vour Account. 11 a rtrenaersnip fee appears on Ihis atalement we will dedif fhe tee H you request to close your acwuM within 30 days d the mailing d this statement. Vou maY tonlinue louse the account during the 30 day period before your request. If yW do not pay all charges owed on Ihis atcouM with in 530 days, a N you use your <redN card a account after you request to cb3e. arty membership lee prevbusy waived may ce raretated k your actounl. 6. Cbsing or SuspeMirg Your Account. Vou may request Thal your attarM be closed by calling or wmklg our Cuslar»r Relations Department. At the time o1 your request, we will provide you with addNiaal detaiK an cbsing your actouM. Thb may include payment iMOnnafion. II you use ywr Cfedn fold a charges pos110 You! atCWM aver yW ask us to close your xcourtt we wit keep your xmunt open a reopen H. We nay able or suspend your account ant your right to obtain credo. We may do Ina at any time arW 1a any reason, even H you are rid in delauN. A suspensbn of your account wit be pemacent or lemponry. It your account e cbsed a susperaed, you mull slop using your ttedH card and account. You must also cancel aH peaulnarized billing arrangements to the account. We will not do this for you. It we tole or pertranenty suspend your account. you muss also destroy all credN cards and account access checks. You mull still pay all amotml5 you owe rn on the xtount even H they were charged aver your account is dosed or suspeMed. 7. Makkg Payments. PaYnteMS You mail to us win ce credited IOyWratCDUM a5 Of the buslne$3 day Yle receive IL prpVlded (7) ypU 3BIW the boHan portion d this slalemeM and yqur check in the encbsed remittance emebpe and (2) your payment 15 rxeived k our processing center by 3pm ET (12 noon PT) Please snow at least live (5) tininess Bays for postal delivery. Payments received b1' us at any dher IocatiM a in any dha lam may not be credaed as of the day we receive them. Our Wsiness days are Monday through 8. Nolite ADOUI Eledronk Check Conversion. when you provide a check as payment, You authorize us either to use inlormafion from yea check 1o make acne-time electronic fund Iransler from yoW deposN xcount d to process the paymem as a check transaction. When we use inlamation Iran your chxk to make an elxironk Lund transfer, IurWS may be vrilhdrawn from ycur depceN account as soon as the same day we rxaNe your payment, ant you will rat receive your check back Irom your faarKial inslNulion. Yqur aNhorizatbn a not limited by the date on the Check. We may resubmit era elxlronkaly collect retume0 payments. 9. BanlwDlcy. 11 you ere entiged 10 bankNplcV proledwns fa your account, roes communkatbn a Dory for iMCrtmfiaal pUfp0s@3. H e MI an aHemp110 CofleG1, 833¢33 d rxgver a deb? or claim. Oo not send dry payments direclty to us without speaking won your banknlplcy aAOmey a the Bankruptcy Court. If you want b contact us about your account a Your bankNlNCy proceeding, please have ycur aHOmey conact us. iBILLING RIGHTS SUMMARY gn Case of Errors a r]ueslions about Your eilp H you think your bill k wrong, a H you need more IMOrRalion on a transacon or bill, wore b us on a separate sheet as soon as possible at the address for inquiries shown on the front d Ihis statemem. Wa mull hear Iron you no later roan 60 days aver we sent you the feral da on whkh dIe error or problem appeared. Vou Can tell our Customer Relations number or nolHy us M email or weDShe, but ddrg so will rrot preserve your rlgMS. In your lever, give us the Idbwing IMOmatbn: your name and aCCOUn1 number, the allot amount OI the SUSpetkd eRa, a descriptkn o1 the error and an explanation, H possible, of wiry you believe here a an error, a H you need more inlgrrration, a description d fhe Hem you are unsure about. Val do not have to pay arty amount in question while we are Invesligaling i1, but you are still obligated fo pay the pans d your bill mat are rid in questbn. While we investigate your question, we cannot report you as delirguenl or take any action to edled the amount you question. t Special Rule 1a CredH Card PurMases h you have a problem wNh me qualiy d propery or servces that you purchased wHh a credit card and you have tried in good faith 10 cortecl fhe probem wile the merchant. You may have the right not to pay the remaining amount tlue on the property p services. Yau have the praectbn Dory when IlK purchase pace Was Aare than $50.00 and the puftha5e Wa3 made in YWr home state a wIIMn 100 miles o1 your meeting address. (H we own a operate the mercAanl, a H we mailed you the adveAisemenl for the DropeM a services, all purchases are covered regardk5s of amount a IDtalipn d purchase.) Please remember to sign all oortespontlence. i boas not apply to business acfounls Captal One suppdts IMormatim prmacy prdedkn: see our wehsNe at ; ~ ~9,;a;~;a;~~,.~,,, Capital One Is a lederaly regMered service mark of Capital One Financial Corpaal~on. All rigMS reserved. 02008 Cdpildl One FnpWant Nofce: Pryn~mbyw male bus wa bo-edaM to ywz>rmmasdh6~nes dry we rnceire4P~d(I)YN Sad IM bonwn pcttim d fvs svtmren arq ywr dierk iI h wxloseE renittaloe ewdape and (2) ywr prrrea'a recevedn ar Przaasg taanr gspm. ET (tz mrr, Pi). PlNSe atmval lrnleve(sjhdness arts lca paaal dewy. Psymanu rafa+.d Di ta,t dry utie loosmah a,y r>mr kam my na be ordses as d eIe dry we real+e elem. far w::,ra a ~a re Mwaay rawp~ savday. ad,ang means. Plrax do rid use sagas. pye d'ps, eft vNist R~gY~ w7m«IL Capit~ - what's in your wallet? TAKE CONTROL OF YOUR CAPITAL ONE® 5D00t ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. @ 240R Cnpital Onr Seruirrt, Inc Ca~rita/ Onr it a frr/r. rally rrKirund rrrvirr mare. /lll rixhu ttrrrurrl. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date ' $1,470.57 - $0.00 + $23.25 + $39.00 = $1,532.82 S339.00 Od. 13, 2008 Aug. 19, 2008 -Sep. 17, 2008 Page 1 of 1 Visa Platinum Account 4121-7470.44842835 /NoHass/e Your Account Information ~ REWARDS- TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT 5467.18 CREDIT LINE FOR CASH 52,000.00 AVAILABLE CREDIT FOR CASH $467.18 finance Charges (Please see reverse for important information) Balance rate Periodic Conespondng FINANCE applied to rate APR CHARGE Purchases $1,489.52 0.05203% P 18.99°6 823.25 Cash 80.00 0.05751% P 20.99° 50.00 ANNUAL PERCENTAGE RATE applied this period: 18.99 Yau're tehind F,~ fear p?`imenls. Rut you can still brir.~g ye! it accourtt cunert by eying the minimum paym.-e,t am:nml or, your si:aemen;. Px-'•.i halp+Gr:~e ,r a ,:all at 1.8Cw'.9a; E800. 1':'e'll wrrt, tale?hr to lind z solution. "Imponant Notice 'Under the terms we previousty discbsed to you, your account rs now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that it you fail to keep your account in good standing, Capital One reserves the rghl to raise your APRs in the future. Rewards Summary Prevaus available balance' 473 Earned Ihis period: 0 (retkcls lransadions polled durxg this biing cycp) Avaikable Balance: 473 Payments Credits & Adiustments At Your Service • Go b wxv.cadtabne.com to manage yvur acmunt, a Cat 1-800-9557070 b regal a bsi or sbLn cad or speak b GLslomer Trah5aCt10h5 Relations 1 12 SEP PAST DUE FEE 539.00 ® Pay Online al vmw.raoilaLrn.com am~il yuurpayment b: You were assessed a past due fee because your minimum payment was not received by the due date. To faecal One 8adc (USA), IJ.A. • P.O. Box 70884 • Charbtte, rJC avoid this fee in the future, we recommend that yov albw at leash business days for your minimum 26272'0884 payment to reach Capital One. ® Sendlnquiriesto: Capetal One• P.O. Box 30285 • Sal Labe Oy, UT 84130-0265 Manage your Rewards online by visiting \rlrx www ranilahro mmhxtin,anwxdc a Cat 1A04228.3001 ® Have a question about a charge on your statemerd? Please refer to the Billing Rghts Summary on the back of your statement a visit www.caoifalone.comldsoules PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ONTO NMNJ.CAPITALONE.COM TO MAKE YOUR PAYMErJT ONLINE. Capitat~' I wha,•, i~ ya~r wane,>. 0 4121747044642835 17 1532820050000339007 New Balance Minimum Payment Due Date $1,532.82 $339.00 Oct. 13, 2008 PLEASE PAY A I LEASt THIS AlA9UNT Amount Enclosed Capital One Bank (USA), N. A. P•0• Box 70884 Charlotte, NC 28272-0884 Ilhllltlll'Irlllll'lllllllllllllhlllnllllvhl~nltl~llllrll Account Number: 4121-7470-4464-2835 %ease print address or phone number changes below using blue or blade ink. Home Phone Ahernate Phone £-mat/addieu @ H9026269979524818q MAIL ID NUMBER hOLLY ROBERTSON 2103 nAYFRED LN CAnP HILL, PA 37013-5433 'llNllilrt'Illftlllnl'111„rtlrr,llnl,glrllrllrnl'INllnl Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How to Avoid a Finance Charge. a.Grace Period. Vou will have a minimum grace period M 25 days without finance Charge on new purchases, new Dalant8 lranafers, n@W apxi9l pUlthaseS ant MW other charges n you pay your teal "New Balance", in attddance with the Important Notice for payrtrenls bebw, and in tinge for tt 1o be credited by you payment due dale. There k no grace period on wsh advances and special iranslers. In addition, mere is no grace period on any transaction a you do not pay the total "NBW BelanCe." b. Accruing Finance Charge. Transadarn whbh ere not subjetl to a grace period are assessed finance charge 1) from the data of the f ransadion or 2) from the date the Iranaxtbn is processed to your Account d 3) gom the first calendar day of the curtenl Nlling period. Addilionaly. It you tlid not pay the'New Balarxe" from the Ixavtous billing period fn lull, finance charges continue to accrue fo ywr unpaid baWnce until Cite unpaid balance is paid in full. This means Ihaf you rtuy still owe finance charges, even N you pay the entire New Baearru IMkaletl on the front d your statement by the payment due date, hW did not do so for the prevous month. Unpaid f nonce charges ere added to the appl'rable segment 01 your ActouM. c. Minknrm Finance Charge. Fd each billing period that your account is subject to a finance charge, a rrinimum trial FINANCE CHARGE of 50.50 wtill be imposed. d. Temporary Reduction to Finance Charges. We reserve the right to not assess any or all Manse charges for any given belling perod. 2. Average Daiy Balance (Including New Purchases). Finance charge is cakulated M' muniptying the daiy balance of each segment of your aetount (e.g.. cash advance, purchase, specal transfer, ant special purchase) by 1M corresponding daiy perbdk rate(s) Iha1 has been previously discbsed to you. At the eM of each day during the bllling period, we appy the dairy periodk rate Id each segment of your eaouM to the dally baance of each segment. Then of the end d the billing period, we add up Cite resuas of fosse daiy cakulations to amve at your periodk hnance charge for each segment. We add up the results Iron each segment to artWe r the total periodk finance Charge for yoursmount. To get Cite daily Detente for eacA segment of your account, we take the beginning balance fa each se9rtient and add arty haw Iransadiorrs arts any periodk (manta charge calculated on Ina previous days balance 1d that segment. We 1Mn sWlrad any payments or Credos posted as d Thal day That are albcated to that segment. This gives us the separate daiy balance for earn segment of your acttuM. Fbwever, n you paid the New Balance shown on your previous statement in full (or a your new balance was zero d a credN amount), rww IrarxaCliOns, which poll 10 your pucchase d special purchase segmems are rid added to the daiy 6atances. We celtuWte fhe average daiy balance by adding an the daiy DaWnces together and dWiOirg rite sum by the number of the days in the cumeM billing cycle. To cakulale your total Snarrce charge. rnunipy your average daiy balarke by the daiy periodic rate aria %'fhe number d Bays in the billing period. Due to rounding on a daily basis d due to minlmUm fnance charge assessment, (here may De a variance between This calculation ant the amount d finance charge adualy assessed. 3. Mnuai Percentage Rates (APR). a. The term "Mraal Percentage Rale" may appear as "APR" m the front of this statement. D. II the code P (OUaneriy Prime), L (Ouarteny LIBOR). C (ouarteny CD), d S (Bankcard Prime) appears on fhe front d ihi5 statement nekf fo Cite partook rate(s), the partook rates and wrtesponding ANNUAL PERCEMAGE RA7E5 may vary Quavery ant may increase or decrease based on the stated indkes, 85 found In The Wall Street JOUmaI, plus the margin previously diccbsetl to you. These changes will ce effective on the lirsl day of your billing perod covered N' your periodk stalemenl ending in the rtknths d January, April, July and October. c. n fhe code D (MOnlhy Prime). F (MOnlhty LIBOR) or G (Treasury LIBOR) appears on the front of your statement item to the petladk rates} the periodic rates and tortesponding ANNUAL PERCENTAGE RATES may vary rranlhy and may Inc ease d decrease based on the stated indkes, as round in The Waa Street Journal, pus the margin previousy discbsed to you. These changes will ce eneclNe dt the f rst day o7 your billing period cant month. d. Assessment of Late, OverNMl and Returned Payment Fees. Under fhe to c al your customer agreerronL we reserve the right to waive d not to assess any lees withdn prbr notification Io you vrilhoW waiving our right to assess the same d simNar fees a1 a Wlar lime. 5. Membership Fee and Renewing Vour AooouM. tl a membership fee appears on INS atatertieM, we wiN dedX Cite fee n you request to Uase your account vritmn 70 days of the nailing of this atatemenl. Vou may continua to use the account audrg the 30 day period balore your leQuesl. I1 you do not pay all charges owed on this account wsh in 90 days, d n you use your Credit tab or account alter you request to cbse, any membersmp fee prevbucy waNed may ce reinstated to your account. 6. Cbsinp or Suspending Vour Account. You may request that your accoum be closed by calling d writing our Customer Relations Depanrtient. AI the time of your request, we will Drovide you wsh eddNbnal Oelaih on closing your account This may include payment infomation. 11 you use your credtt card d charges poll to your account aver you ask us to Close your xmunt. we tan keep your account open a reopen it. We may close or suspend your atmuM and your right to adorn credit. We nay dD IMS at arty tirtie arts for any reason, even n you era not in defautl. A suspensbn of your account wit ce permanent d temporary. )1 youraaounf is dosed or suspended, you must stop using your credit card era account. You mull also cancel all pneautnorizM billing artanpemenls b the account. We will not do this 1d you. It we close or pertrenenlly suspend your actounl, you must also destroy all credN Cards and account access Checks. Vou must slNl pay all amouma you owe ua on the eaouM. even N they Ware Charged anef your ectWnl i5 closed d suspeMetl. 7. Making Payments. Payments you mart to us will ce uedned 10 your aCCWM as Of 1h! DUSIIIes$ day We reteWe N, provided {t) yd, send the bonom poribn d mLs statement and yourthxk in the enclosed remittance envebpe and (2) your payrtieni k receNed in our processing center my 3pm ET (72 noon PT). Please allow at least irva (5) business days for laslal delivery. Payments received by us at any other rotation or in arty dher lortn may rim ce credaed as of the day we eceve them Our business days are Monday iMOUgh E. Notke About Elecironk Check Conversbn. When you provide a check as paymem, you authorize us either 10 use information ifom your chxk f0 make a cite-lima elxtronit tuna 1ran51N lydn your deposit dtCOUM d f0 process the payment as a check Iranaaction. W hen we use infomation hen your check to make an dedronk IuM transfer, luntls may be withdrawn Iron your deposit account as soon as the same day we receive your payment, ant you will rat receive your check Deck tram your financial inslitUlrOn. Your autlarizagon i5 rid lirrvled by' fhe dale on Ihp check. We may reaubrNl and elecfronkaly COlletl returned paymems. 9. Bankruptry. If you are entitled to bankruptcy prdections br your account this communication is only for iMOmnlional purposes. II is rot an anertpl b tolled, assess d recover a debt d Gaim Do rtd sent arty paYrcems directly to us withrwl speaking with your bankmplcy attorney d the Bankruptcy Court. ff you want to tooted us about your actounl d yWf DankNplcy prOttrtding, please have your anomey oontad us. iB)LLING RIGHTS Sl1MMARY (In Case of Errors d Ouestiore about Your Bill) If you think your Dill is wrong, d H you need more Imormatbn on a fransadbn or bill, wnte to us on a separate sheet as soon as possible at the address td inquiries sMwn on the 7ron1 d IMs atatemaM. We must near frdn you no later than t>0 Gaya after we sent you IM f rst Dill on whkh Ina error d probeem appeared. Vou pit tall our Customer ReWlidn number or ndiy us by email d vvebsite, but ddng so will rw1 preserve your rights. In your lever, glue us the ldbwing iMOrmatbn: your name ant attounl number. the ddlarartaunt of the suspected end. a description o1 the end and an euplanafion, it possible, of why you believe here h an anon, or n you need rtpre klormatbn, a descrbgon of me item you are unsure about. Vou do rat have to pay arty amount in Question while we are investigating a, but you are still obligated to pay the pans of your rill ihal are rid in question. While we investigate your question, we cannel repot you as tlelirpuent or take any anion to tritest Ina artaunt you QUes110n. T Special Rule fd Credit Card Purchases n you have a pobrem whit Cite quality d property or servces that you purchased with a credit card and you have tried in good faith to coned the Prodem with Ina merchant You rtaY have the ngm not to pay the rerroimng anaunt sue on the property d servkes. You nave this protection only when the purchase price waz more than 550.00 ant the purchase was made in your Home stale or wttran 100 rriles o1 your mailing address. (If we OYAI Or operate Ina merthani, d YIVIB filailed yW ins advertisement Id Ina property d services, all purchases are Covered regafdless of amount d btalion d purchase.)Please remember to sign ell aonespoMence. t Does not aAAb to business accounrs Capital One suppdts information privacy prolectbn: see our weMNe at anew carvtalene tom Capital One k a federely registered service nark o1 Capital One FinancWl Coryoration. All rights reserved. 02008 Capital One hnpalant Noce: Pafmaia you mar bus ai lx aadlM ro yar scewnl as d are Warms dsy rm receive k PwWad (1) tau said the bonam poorer d afs avterran rid yar dxdr it are adored rarwlsroe andrge and 12) you payrriad'ar vhmd'n av pocasata carts by3p.m. ET (12 noai PT). Raase:aoaakast 6x lS)baroas daysbpoaW defr i.P ymenD recount Dy is at dry obarlaaamah arty odia learn may rot be aedked u d du dry we reaNe diem. Ou bartsa days xe Maday hayr Sasrdry, eada4g trdeays. P ass do mI use sbpea. PPa afps. etc sfiat PR*M Ywr PaNnatt 500072 cap;r~~ r7 - IT`S STILL 1110T TOO LATE. /what's in your wallet? Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ©2008 Capita! Oru Srzint, hn. Capita/ Onr it a fcdrmlly rrXittrrrrl urvirr mark. All riX/art resnurd FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance rdinimum Payment Due Date $1,532.82 -~ $0.00 + $24.21 + $39.00 = $1,59fi.03 $418.00 Nov. 11, 2008 Sep. 18, 2008 -Oct. 17, 2008 Page 1 of 1 Ysa Platinum Account 4121.7470.4464.2835 /No Hassle Your Account Information ~ REWARDS TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $403.97 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH 5403.97 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,550.94 0.05203% P 18.99% 524.21 Cash 50.00 0.05751°~ P 20.99% 50.00 ANNUAL PERCENTAGE RATE applied this period: 18.99 Q Af Your Service • Go to wwx.aorlabne.am to manage your account, a Cat 7.800.9557070 b report a bsi or stobn card a speak b Orsiorrier Rehlions ® Pay Online at sw+a.canitabre.com or mail your paymem b' Capital One BarJr (USA), N.A. • P.O. Rox 71083 • Cliarbtle, IJC 28272-1063 ® Send Inquiries to: Capital Ore• P.O. Box 30285 • Sal Lake Coy, UT 84130-0285 Manage your Rewards online by visiting y~~y or Cat 1.800-228-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www calrialone comldsoutes Yai re Fehind by fine paymen's.'!".!ebe permanerdiy ra.~ef:ed your charging pr'ruileces Nyou corainue'o miss r~symenr year a:roun': is a1 r~k o(IrJng ,:Iwrgsl o;'i. Pkase dcn'i ki If ti; harm. If yci'rr•. icctinp o':erv:hi~mcd, fall cs at 1 i10:?:955.arA?. 4'Je'I(v;orh w;rh you to re=,::hei, ibis mxlter. "Important IJofice" Under the terms we previously discbsed to you, your account is now eligible (a an increase in Annual Percentage Rates (APRs) eflecWe immedalely. However, Capital One has elected not 1o raise your APRs at this lime. Please be aMised Thal i1 you tail to keep your account in good standing, Capital One reserves Itte rght to raise your APRs in the future. ^IMPORTANT NOTICE° Beginning with your December 2008 statement, your Idinimum Payment will rto brger include transaction fees (non-periods Lnance charges), such as Cash Advance fees and Balance Transfer fees. Also, you must pay a minimum payment every billing period you have a balance. This minimum payment is required even if you paid more than the minimum payment or made multiple payments in a previous billing period. Rewards Summary Previous available balance: 473 Earned this period: 0 {rel§cts trersac6ms posted during tlris bfng cycle) Available Balance: 473 moments, Credits & Adiustments Transactions 1 13 OCT PAST DUE FEE 539.00 You were assessed a past due fee because your minimum payment was not received by the due dale. To avdd this fee in the future, we recommend that you albw at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121747044642835 17 1596030050000418000 Capital Account Number. 4121-7470-4464-2835 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- NOV. 11, 2008 $1,596.03 $418.00 ~ it's fast, easy and secure. Q Pay online anytimr-no more checks, stamps or clutter. I'LL45E fAY Ai LEAST 0 Moving? Change your address online or on the back. THIS AfAOUIJT e Help save the planet-Go paperless. 11902926997 95 2 4 81 5 q / ~j1 Sign up at www.capitalone.com. HOLLY ROBERTSON 2101 nAYrRED LN Capital One Bank (USA>, N.A• CAnP HILL, PA 17011-5433 P•0. Box 71063 trill'IIIllllll'11'Illlllllllllll'lllll Charlotte, NC 28272-1083 rlllrlr.llllrrlrlllrllllll Ill.llr.l.r.11111"ill'Illlllll..l.I.Irlll.l.rllllll'llll'll'llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How 1o Avoid a Finance Charge. a.Grace Period. You witl have a mtnknum grace period of 25 tlays wittaul finance charge m new purchases, new balance Irarefers, new special purchases and new other charges h you pay your total "New Baance', in accordance with the Irtpodanl Ndice for payments Wabw, and In time for h to be credited by Your payment due date. There is Yw grace period on cash aWaxes and 5pxial trarrslers. In addition, (here k m grace period on any iraMatllOn it You do not pay Ine trial "New Balance." b. Aaruing Finance Charge. Transactiore whkh are not subject b a grace period are assessed finance charge 1) from the date of the transacon or 2) from the date the irarrsxiion Is processed 10 your Account ar 0) trait the first calendar day d the cunent Nlling period. Addilionalry. it you did not pey the "New Balance" iron the devour Dieing pedotl in IWI, finance Merges continue to accee to your unpaid baance until the unpaid balance is paid in full. This means Thal you may zeal owe Unante charges, even h you pay the entire New BaWrae IMicaletl on Ine front d your statement by the payrram due date, DN did rot do so 1a the prevbus month. Unpaid finance charges are added to me appNCable segment d your Acount. c. Mininum Finance Charge. For each billing period Ihat your account is Subject to a finance charge, a minimum trial FINANCE CHARGE d 50.50 will be Imposed. d. Temporary Reduction M Finance Charges. We reserve the dgM to not assess any or all finance charges for any given billing period. 2. Average Daly Balance (Inducting New Purchases). Finance charge k takuleled by multiplying the tlairy balance of exh segment d your account (e.g., cash advance, purchase, spxul transfer, and spxlal purchase) q' the corresponding tlal y pedadk rate(s) Ihal has been prevbusty disclosed fo you. Af tM end of each dey during the Dialog perod, we apply the dairy perbdk rate la each segment of your account to the dairy balance d exit segment. then at the end d the billing period. we add up the fesulls a IheSe dally Cakulatbna Io arlive at your pedodk finance charge for exit segment. We add up the results from each segment fo anlve at the total perfodk finance charge is yow account. To get the dairy balance for each segment d your xcouM, we lake the beginning balance 101 each segment and add any new transactions and any perfodk finance charge CakUlaled on the devious days balance for that segment. We Ihen subtract any payments or tte0its Posted az of that day that are albcaled to teal segment. Thk gives us the separate dairy Wlance for each segment of your account. However, a you paid the New Balance shown on your prevkws statement in lull (or a your new balance was zero a a credN amount), new trartaedions, wnicn post to your purchase a special purchase segments are rat xded a the daiy balances. W e wkulale the average Wiry balance by adding all the daiy Walances together and Oividirg the sum M the numnera the days in the cunent billing cycle. To wkulate your teal finance chage. muaipry your average tlairy balance by the daily penotlic role and q' the number d days in the pilling period. Due to rountlirg on a daily bask a due to minimum fnance charge assessment. Ihere may be a variance between ihk taltUWtion and Me amount d finance Marge actuatry assessed. J. Annual Percentage bales (APR). a. The term "Annual Percenlege Rate" rtay appear as "APR" on the front of ihk statement. b. lithe code P (OwnMy Prime), L (Ouaneny LIBOR), C (OUanerty CD), a S (Bankcaro Prime) appears on the iron) d 1hk statement next to the pedo0k rate(s), the pedodk rates and tortesponding ANNUAL PERCENTAGE RATES may vary quanerty and may increase a decrease based on Ine staled indices, as found in The Wall Street Journal, dus the margin Drevbusly discosed to you. These changes will be eaective on the first day of your billing period covered Dy your pedodk stalertKnf ending in the months d January. Adil, July and October. c. If the code D (MOMhy Prime), F (MOnlhry LIBOR). or G (Treasury LIBOR) appears an the IroM of your statement Wen tc the perbdk rate(s}, the penodc rates ant wrtesponding ANNUAL PERCENTAGE RATES may vary monmy and mey increase or decrease nosed on the slated kakes, as found in llw WaU Street Joumat, plus the rtargin devbusly dkcbsed to you. These changes will We enxtive on Ine Trsl day of your Willing prsnod exit month. 4. Assessment d Late, Overarch ant Retumetl Payment Fees. Under lne terms d your customer agreement, we reserve the right fo waive a nor to assess arty tees without poor naitkalion to you without waiving our ngM to assess the same a similar lees at a later time. 5. Mertbership Fee and Renewing Your Aooounl. It a rrambership tee appears on thk atatemenL we will credo the fee h you request 1o close your account within 30 days of the nailing d ihk statement. Vou may continue to use Ine account Ounng the JO day period before your request. If you do not pay all Merges owed on 1h'rs account whh In g0 days, a h you use yow credit cxd or account otter you request fo cbse, arty meni0ership lee deviousy waived fray We relnsated 10 ywr account. 8. Cbsirq or Suspending Vour Aooounf. Vou rtay request Thal your attouM be chxed q' calling a wnling our Customer Reations Department AI the time a your request, we will provide you with additbnal detaik on ttoairp your account. This may include payment informallOn. If you use your credit card or charges post to your accaxd aver you ask us to close your account, the wit keep your xtount open or reopen h. We may ebse a Suspend your account ant your right to obtain crudil. We may tlo ihk al arty time and for any reason, even N you are not in defauh. A suspension d your account wit be permanent or temporery. If your account is cbse0 or suspentled, you rtanl stop using your credo wre and account. Vou must also cancel all deaWhoriZed dlfing artangemems to the account. We.will rid do Ibis Io1 you. 11 we cbse or permanemy suspend your account, you must also destroy all credit cards and attount access checks. Vou must 51111 pay as amounts you owe us on the xcounl, even a they were charged aver your attW of is cbsetl a suspended. 7. Making Payments. Payments you frail to us will be credited to your account as of the business day we rxeNe h, dovide0 (I) You sera tce bottom portion of ink statement antl your check in the enclosed remittance envebpe ant (2) your payment k rxewed in our docessing tenter Dy 3pm ET (72 noon Pit. Please allow at leasnive (5) business nays for postal delivery. Payments received by us al any other locaion or in any other lam may rid De credited as of the day we receive Ihem Our Wariness days are Monday Inrough 8. Notice About Electronk Check Conversbn. When you provkle a chxk as payment, you aWhonze us eimer to use Infortralion from your chxk to make a cite-time electronk fund transfer from your deposN xcouM a to process the payment as a cheM transaction. When we use intomalion from your check to make an eleciroria fund transfer. IuMS may be withdrawn from your deposh accoum as soon as the same nay we receive your payment, and you will rrot rxelve your Mxk back nom your financial inslN W'an. Yow aulhodzation iz not lirteled by the dale on the check. We may resubrnit and eledronkalry mpect returned payments. 9 Bankmpicy. 11 you are entitled to bankmpicy dolediors for your account, Inis camwnication k only to inlorrretidtal purposes. II k not an anempl a tolled, assess a recover a debt a claim. Do rid send arty payments tlirectly to us whhoW speaking with your bankNdcy anontey or the BankNdty Goun. If yoU want 10 contact us about your account a your bankNDlcy doceetling. dense have your anomey contact lla. ?BILLING RIGHTS Sl1MMARV pit Case of Errors or Ouesibns about Vow Bill) If you think your bill is wrong, or it you need more iMOm'ation on a transacon or bill, write to us on a separate sheet as soon as possible a11he address for inquiries shown on the front d this statement. we must hear iron you no later than EO days aver we sent you the first bill on whkh the ertof a problem appeared. You can wN our Customer Relations nurtber a rally us by email or website, nut ddng so will rid preserve your rfgMS. In your lever, give us Ine lolbwing irdorrration[ your name and account number, the dolWr artoirnt o11M suspected enor, a description a Ine ertor ant an explanation, a possible, of why you believe there k an error, a it you need more Inlomatbn, a descddion d the hem you are unsure about. You do rid have to pay dry amowd in question vfiile we are investigating il, but you are still Mligated 1o pay Ine pans d your bill that are rat in question. While we investigate yea question, we wood report you as delinquent or take any xtion to tdlxt the amount you question. t Special RWe fa Credit Card Purchases If you nave a prodem won me qualay d dapemy a servkes that you puronased wlln a credo card ant you nave tried in good faith to correct Ine prodem wilA the merchant, you nay have the rtghf not to pay the rertainin9 amount due on Ine dopeny or servkes. You rave Ink protectbn onry when me purchase price was more than 550.00 and the puchase was made in your Wane slate Or Wilran 100 rNles OI your mailing adaess. pf we own or operate the merdtant, or n we malted you Ine advenkement for the property a servkes, all purchases are covered regardless o1 amount a location of purchase.) Please remember to sign all cortespondence. t Does not apply b partners accounts Caphat One supports infomation privacy ddenion see our wabShe a1 yAYw.wOaabne.tom Capital One is a iedenly registered servke nark at Capital One Financial Corporation. All rlgMS reserved. 02008 Capital One Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ........................................................................................... ~-~:. Alternate Phone ........................................................................................... E-mail L~ ...... Address ................................................................................... Pl i h i bl r bl k i k dd h b b ease pr ress or p anges a ove us ng ue o n . nt a one num er c ac Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your) 6-digit account number on your check. NOT PAYING YOUR DEBT 500013 Capita-r^yourwar/et? DOESN'T 11~lAKE IT GO AWAY. In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by she due date to eliminate the risk of being charged oft. f?J 2UU8 C'npirn! On< S<rnir<t htr. C'a~iia/ Qur it v frdrrw/!y rcgirr<rrd rrrnir< murk. A[f nglut r<rnu<d. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Miltintum Payment Due Date ~ $1,596.03 - $0.00 + $26.11 + $78.00 = $1,700.14 5500.00 Dec. 12, 2008 Oct. 18, 2008 -Nov. 17, 2008 Page 1 of 1 Visa Platinum Account 4121.7470.44642835 /No Hassle Your Account Information ~ REWARDS' TOTAL CREDIT LINE $2,000.00 TOTAL AVAILABLE CREDIT $239.86 CREDIT LINE FOR CASH $2,000.00 AVAILABLE CREDIT FOR CASH $299.86 F:res[ n_~ r, Ir_sin;r aeu:ur<r You're behind tr,~ sn, payments. If'92 charga on year ecewrt due':O late ct missed peymenu, f naoca chana._5 will cenlinur: 'e ,rtnw. A.rl row Ic prevern this from h,~{•~:enirg. Fi,~ase ray th ^ini;num rarymenl ametmi nn Your statement a gF~a us a call al 1.Ai+;.3tv.ffC~G. LV•_ re here. io help. Take rontrcl c yo[:r crt:4i with ft:-gi!al Or:~. "Important I4olice" Under the terms we previously dackxed to you, your aaounl is raw eligble for an increase in Annual Percentage Raley (.APRs) ef(eclive immediately. However, Capital One has elxled not fo raise your APRs at ibis lime. Please be aMised that if you fail to keep your amount in good slandirg, Capital One reserves the right to raise your APRs in the future. Finance Charges (Please see reverse for imponanl information) Rewards Summary Balance rate Periodic Correspon6rg FINANCE Previous available balance' 473 applied to tale APR CHARGE Earned this period' 0 Purchases $1,618.62 0.05203% P 18.99% $26.11 (refbcts aaxactbns posted during B:s bilrg cycle) Cash 50.00 0.05751% P 20.99% $0.00 Available Balance 473 ANNUAL PERCENTAGE RATE applied this period: 18.99% Q At Your Service-Go to wmv.caoitatxie.oom to manage your aooount, O Payments, Credits&AdjUStments a Cat 1.800.9557070 b report a bsl a sblen cad or speak Io Grsiomer ReMions Transactions Pay Online at wmv.caoitaix;e~m or mar your payment M: 1 11 NOV PAST DL1E FEE 539.00 ® Capital One Bark (USA), N.A. • P.O. Box 77083 • Chabge, NC 2 17 IJOV CAPITAL CdJE IvtEMBER FEE 539.00 28272-1083 You were assessed a past due (ee because your minimum payment was nor received by the due date. To Send Inquiries to: avoid this fee in the future, we recommend Thal you albw at leash business days for your minimum Capital One P.O. Box 30285 • Sap Lake Gty, UT 84130-0285 payment to reach Capital One. Manage your Rewards online by visiting hti~ ar Cat t-8l'X~•22&3001 ® Have a question about a charge on your statement? Please refer to the Blling Rights Summary on the back of your statement or visit www~oital~e.c~ldsoul~ PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMEN70NLINE. 1 4121747044642835 17 1700140050000500009 Capi Account Number. 4121-7470-4464-2835 Lend a hand Save the land Due Date New Balance . . Minimum Payment Amount Enclosed Manage your account online today- $170014 DeC. 12, 2008 ~ it's fast, easy and secure. ~ l ~ I $500.00 Q Pay online anytime-no more checks, stamps or clutter. ~J ~J I'L1;4SEPAYAI LEf+Sr TNIS AMUUt4T Q Moving? Change your address online or on the back. 8 Help save the planet-Go paperless. 1!90324699795 2481 6q ($1 sign up at www.capitalone.com. HOLLY ROBERTSON 2101 nAYFRED LN Capital One Bank (USA), N. A. CAnP HILL, PA 17011-5433 P.0• Box 71063 II I I Ilrl I I I'll III 11' 11 11"111 '111'1'1" II 11 II I Charlotte, NC 26272-10&3 '11 I 11'1'11111 '11 " 1111111r111.,11111'II'1111111..111111"11r1,111.11"11111111'1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MOLLY ROBERTSON 1. How to Avoid a Finance Charge. a.Grace Period. You will have a rrsnirtarm grace period a 25 days wNhout finance charge on rew purchases, new Wknce handers. new spacial Wrchases and new abet charges d you pay Your taal'New Balance", in acc«dance wish Iha Imponanl Nake 1« payments bebw, and in time for it to be «ed'Hed by Your paYrnent due date. There is no grace period on cash advances and spxial irarelers. In addition, there is ra grace period on any transaction H you do not pay the sofas 'New Balance." b. ACCNing Finance Charge. 7ranzadlons wnkh are not subject fo a grace period are assessed finance charge 1) Isom ine date of Ina transacion «2) from the date The uansaction b proc ssed to your AcwuM « 3) from the first calendar day a the current billing perbtl. Add'Hionaly, N you did nos pay the "New Balance" iron the previous billing period in 1uN, Tnance charges continue to aurae to your unpaid Wknce until the unpaid Wlance is paid in full. TMs means 1W1 you nary still owe Nuance charges. even g you pay the entire New Baance indicated on the front of your sUlement by the paymem due date, ba did rat do so for the pevian monA. Unpaid Nuance <Wrges are atlded 1o the applkabk segment of your Account. c Minkalm Finance Charge. For each billing period that your atfAUM k subJect to a finance charge, a minimum Cass FINANCE CHARGE of 50.50 will De irttposed. d. Tertporary Redud'an m Finance Charges. We reserve the rlgM to not assess any or all fnarrz charges for any gNen Nllilg period. 2. Average Dairy Balance (Inducting New Purchases). Finance charge k cakukted by multipying the dairy W lance a each segment of your account (e.g., cash advance, purchase, spxkl transfer, and special purchase) by the cortespaMing dairy periodk rate(s) That has been previousy disclosed to you. At the end of each day during the Nlling period, wa apply the daly pericdk rate for each segment a your account to the dairy W larrz o1 exh segment. Then al the eM a Ise bflNrg period, we add up the results a Iltese dairy nakulatbns to amve at your periodk finance charge f«each segment. We add up the reruns Irom each segment k artive al the total periodic Thence Charge for your account. To gN the deNy balance br each segment a yWraccWnt we lake Ise beginning W knce is each segment and add any new traMactbns and any periodk Nuance charge cakulated on the previous Bays Wronte for IWi segment. We Then sublrotl any payments or credits postetl as a that day IWt are albcafed to Thal segment. This gives us the separate tlaiy babrce for each segrrsem a your accoum However, it you paict Ise New Balance shown on your previous statement in full (« i1 yWr new W lance was 2er0 «a Credg aRauMt new transactions, whkh poll to your purchase «spxkl purchase segments are not added to the dairy W lances. We wlculafe the average daily Wlarrx Dry adding all Iha daily W fences tOgethel ant dividing Ise sum by the numbef of 1ne days in the <uneM billing Cycle. To cekulafe your total fnarae charge, nuNiDly Your average daly Wlance by she dairy periodk rote ant by Ise number a days in Ise billing period. Due to rounding on a dally Wsis or due to minimum Nuance charge assessment there may De a variance between mis cekulalbn arW the amount a finance charge aaualy assessed. 3. Mnual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as 'APR" on Ina front a the statement. b. If the code P (OUaneM Prime). L (Ouanery LIBOR), C (OUaneriy CD). «S (Bankcard Prime) appears on the front a Isis dalement next to ma perodk tale(s), Ina penodk tales and cortespoMlrg ANNUAL PERCENTAGE RATES may vary quaneny ant may increase or decrease Wsed on the staled kaicea, as found In The Wall Slreel Journal, plus the margin peviously disclosed to you. These charges will W ef1eClWe m the first day of your Nlling period coverall by your perlook statement ending in the rronihs of January. April, Jay antl October. c. If Ina code D (MOnihy Prime). F (MOnihy LIBOR). «G (Treasury LIBOR) appears on the wont a your statement next to the periotlk tale(s), Ina penotlk rates era cortesponding ANNUAL PERCENTAGE RATES may vary mouthy and nary increase «decrease Wsed on the stated hakes, as found in The Wall Street Journal, plus the margin pevbusty distbsed to You These c W rages will W e8xlive on use first day of your biDirg perod each month. 4. Assessment of Lale, OverNmit ant Returned Payment Fees. Under Ina IertrK a your Customer agreement, we reserve the right to waive a not to aasMt any feet without pion notiliUti«11o you without waiving our ngM Io assess the same «sirngar lees at a Islet tune. 5. Membership Fee and Renewing Your Account. If a merroership lee appears on this atalement we wiN credo the fee N you request to close your account wNhin 30 days o1 the nailing of IhLs statement You Ray continue fo use the account duMg the 30 day penoct before your request. II you do nos pay all charges owed on this account with in u0 days, «d you use your credit card «eccount seer you request to cbse, any membership tee prevtousy waWed may be reinslalee Io your accoum. 6. Cbsing or SuspeMing Vour Aooount. Vou may request teal your xtouM be closed by calling or wining our Customer Relations DapanmeM. Af the time a your request, we wig povide you whit addilk>nal details on cknirg your attount. TNs may inCiuee payment intonrtation. If you use your credit Card « charges post to your acrouM alter yW ask us to cbse your xcount, we can keep your xcouM open « reopen n. WB may Close qr 9usperM Your aCCWM era yOlrr right to obsain credit. we may do This at any time and for any reason, even g you are rat in detau8. A suspension a your account can De permanent «lernporary. I1 your xcount a cbsetl «suspened, You marl stop using your «ecth card and account. Vou rant also cancel all peaulhorized billing artargertgnls to the account. We will rot do IMS for you. If we cbae «pertrtanenly atnpeM Your account, You must also dedmy alt trellis Lards antl account access checks. You marl s1iN pay all amounts you owe ut on the actounl. even it they were charged alter yow account Is Nosetl « suspended. 7. Making Payments. PaYnx!Mt you mail to ut will be credited to your account as a Iha business day we raoeive ii. provided (1) you send the bosom ponlon a Ah sroferrteM and your check in Ise enclosed remittance envebpe ant (2) your payment is received In Wr Dmcessing center M' 3pm ET (12 noon PT} Please allow al kart five (5) business days for postal delWery. Payments received by us at arty other bcation «In any aver forth may rat W crectned as o1 the say we receve them Our Wsiness days are Monday Through 8. Notice ADOUI Eleclronk Check Conversbn. When you provide a check as payrttenl, you atnnorize us either 1o use inlomWion from your check 1o make cone-time electronic fund iranster from your tleposd accoum «to process the payment as a check iransadan. When we use inlonnation Irom your check to make an electronk lurid Iranskr, fuMS may W wnltdrawn from your deports aceounl as soon as the Bartle day we receive your payment, ant you will rot receive your check Wck from your financial inslnulaM1 YWr aNrariiatbn'n rat IimMetl Dy the dale On the check. We may resubrtil and eledronkally collxt resumed payments. 9. BanlwDlcy. II you are entitled 1o WnkruDtcy praectbns for your account, this comnankation a Dory for inlortretiatal purposes. II 'n rat an attempt to collect. assess «rewver a debt «daim. Do nos sent arty paymens directy to us without speaking with your bankruptcy arianey «iha Bankruptcy Can. It you want to Conrad us about your actouM «your Wnkrupcy proceeding, please have your adorttey contact us, tBILLING RIGHTS SUMMARY pit Case a Errors «OUesfions shoal Vtur Bill) If you Think your bill is wrong, « it you need more iMOrmation on a Iransadbn or big, wMe io us on a separate sheet as soon as possibe at iha address for inquiries snows on Ise front o/ this slalemenl. We nwst near from you no later than 60 days atler we sent you the Nrst Dillon wnkn the ert« «pobkm appeared. You can tall our Cuslarrer Relations number «ndiy us by emeN «website, bit ddrg so will not peserve your 1igMS. In your khan, give us Ise foNOwing in1«malbn: yotx name ant account number, the ddlar amount of the suspected art«. a descnptbn of the error arM an explanation, if possible, a why you believe There k an anon, «R you need more im«ntalbn, a descripibn a the item you are unsure aboN. Vou do nos Wve to pay arty anqunl in queslbn wMk we are investigating it bus you are stilt obtgated to pay the pans of your bill that are na in queslbn. WNk vre investigate your question. we canrroi report you as delinquent or take any action to Cdleci the amount you question. t Special Rule 1a Credit Card Purchases 11 you have a problem with the quality a popery or servkes IWt you purchased with a credd card and you have iried'm gootl lahh fo tortect the pobem wgh the merchant, you may have Ise ngM not to pay Ise remaining amount due on the property « services. You nave this praettion ony when the purchase pace was m«e than 150.00 and the purchase was made in your h«rn stale «whhin 100 miles a your mailing address. (11 we own «operote the merchant, «H we rtailect you the adveniserneM for the Dropeny «services, all purchases are covered regardless a amount «locatign of purcWSe.) Please remember to sign all correspondence. t Does raj appfy to business atcounls Capital One supports infomvlbn privacy paectign: see our websile al •n::w.•?d:aln:,e.can Capital One is a lederaly registered service mark o1 Capital One Fnnanclal Cory«ation. All rigMS reserved 02008 Capital One Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ........................................................................................... :-:. Alternate Phone ........................................................................................... E-mail `,o .................................................. Address ......................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. ~~ ~~~j~ne` Welcome to Capital One .......................:.. ..............................1 Some Uefinitions ...................................... ..............................1 Account Agreement .................................. ................:.............1 New Offers ................................................ ..............................2 Account Information ............:..............:..... .............................2 . Credit Limits ............................................... .............................2 Using Your Card ......................................... ..............................3 Rewards ......:..:............................................ .............................3 Using Your Access Checks ........:................. ..........................3-4 Stopping payment of Access Checks ......... ..........................:..~ Using a PIN ...............................:................. .............................4 Authorized Users ................:...................... ......:......................5 Removing an Authorized User ................... .............................5 Finance Charges .............................:........... .............................5 Your PfOf71iSC' to Pay ................................... ............_....._.......5 Statements ................................................. .............................6 Disputed Transactions ............................... .............................6 1=ees ............................................................ ..........................6-7 Transactions Made in foreign Currencies ... .............................7 No Warranties ........................................... .............................7 Merchant Refunds ....:................................ ...:.........................7 Minimum Payment ..................................... .............................8 Making Payments ....................................... .............................8 Mailed Payments ....................................... .............................8 Faster Payment Services ............................. .........................8-9 Payment Processing ................................... .............................9 Now We Apply Your Payn-cents ................... .............................9 Items with Restrictive Words, Conditions, or Instructions......9 Account Default ................................................. ...................10 Communications ............................................... ...................11 Credit Reports ..................................................... ...................1 1 Closing or Suspending Your Account ................ ..............11-17_ Lost or Stolen Card ............................................. ...................17_ C}ranges to Your Agreement ..........................•-- ...................12 Governing Law ................................................... ...................12 Waiver ......................:............................. ............ ....12-13 .......... Assignmcrrt ......................................:.................. ...................13 Arbitration Provision ........................................... .............13-18 Special Definitions for this Arbitration Provision .. ..............13-14 Arbitration Administrators .................................. - ................... 3 S Election and Initiation of Arbitration ................. _. ..............15-16 Procedures and Lavi Applicable in Arbitration ..... ...................17 Costs ................................................................... ...................17 No Consolidation or Joinder of Parties ............... ..................:18 Judgment, Enforcement, Finality and Appeal ..... ...................18 Miscellaneous, Waiver, Severability, Survival ......... ...................18 Glossary ......................... ...................................... ..... ...._..18-19 Your Credit Card Agreement 1. WeICOme t0 Capital One. Thank you for opening a credit card Account with us. This Agreement contains the lertns for your Capital One credit card. 1. Some Definitions. The meanings of the terms you see in italics appear in the Glossary Ser.±ion_ To make the Agreement easy to understand, we will also use the following personal pronouns: "You", "your" and 'yourself' mean each applicant and co-applicant for the Account, any person responsible for paying the Account; and anyone they authorize to use, arcess or service the Accounf. It also includes an Authorizt;d User as defined in the Glossary Section and as the languaye allows. "We," "us:' "our" and "Capital One" mean Capital One BanY, (USA), National Association; and Its agents, authorized representatives, successors, and assignees. 1. ACCOUnt Agreement. Your Agreement ("Agreement")with us Includes the following things: (1) this document; (2) all Sfafernenfs; (3} all rewards Information and documentation if your Account has rewards; (4) our Privacy Notices unless you are not entitle-d to one; these describe our limitations on sharing information about you with others; {S) your Curd benefits brochure which describes benefits provided by the Card Association for your Card and Accnunt. The most current version of your Cerd benefits brochure wilt replace all prior versions. (6) the "Small Business Credit Card Addendum" if you Crave a small business Card; (7} alt disclosures and materials provided to you before or when you opened your Account, including some Trrrfh in Lendrny OJsrlosures; (8) all other documents and disclosures relating to your Account including those provided online; and (g) any future changes we make to any of the above things. Please read these carefully and keep them for future reference. Art Image of any of these can be used instead of the odylnal. 2, New pfferS. We might make new offers to you or forward offers from others that we think you might be interested in. The terms and docurnentatlon for these offers will be provided when we make you the offer. If you accept the offer, this Agreement will still apply except as modified by the offer. 2. ACCOUnS: InfOrm2tlOh. We need information about you to manage your Account. The Information we need includes: (1) your legal name; (2) a valid U.S. mailing address and residential address (ii different); (3) your date of birch; (4) your social security number or other government identification number; number(s); and (6) your employment information. You must tall us whom this information changes. Please mail these changes to us at the address provided on our Statement. You may also update some of (his Information by logging onto your Account on our websile or by calling one of our representatives at the telepF>one number provided on your Sfafemont or on the back of your Card. We may require you to provide additional documents that are acceptable to us to verify these changes. 2. Credit Limits. When you open your Account, you will receive your credit limits. These will also appear on your Stalomonfs. We might also refer to your credit limit as your credit line. We may give you different credit limits for the different Segments of your Account. For example, you might have a different credit Ilmit for purchases than for Cash Advances. You are responsible for keeping (rack of your Account balances and your available credit limits. Do not allow your Account Io go over any r•.redlt limit. If you do, we may still honor the transactions and charge you fees. But, our honoring the transaction will not increase your credit limit. We may also increase, decrease, restrict or cancel your credit limit on any Segment ai any time. This will not affect your ohligation to pay us. 3. Using Your Card. When you activate and use your Card, you promise to follow the terms of Ihis Agreement. Pleaso sign the Card Immediately when you receive lt. The Card is valid during the dales provided on the front. 'rhe Card is our property, and you will return ii to us or destroy it if we ask. You will take reasonable steps to prevent the unauthorized use of your Card and Accounf. You may use your Card wherever ii is accepted. We are not responsible if anyone refuses to accept your Card for any reason. Also. we may reject and not accept any transaction for any reason. Unless we tell you otherwise, we v+ill bill each transaction to the appliczble Segment of your Account and apply it against your available credit limit for that Segment in each J3illing Cycle. You may also obtain Cash Advances and Tians(ars if they are permitted for your Account. Unless we agree, you may not use a Transfer to Transfer amounts from other accounts with us or any other company within the Capital One organization. If we do permit a transfer to this Accounf, the terms of this Account will apply once the Transfer is completed. You must not use, or try to use, the Card for any Internet gambling transactions or transac0ons that are illegal or not permitted by us. You will still be responsible if you do. In addition, these transactions will be subject io this Agreement, and you might have to reimburse the Card Association and us for all damages and expenses. From time to lime, due to circumstances beyond our control (such as system failures, fires, floods, natural disasters or other unpredictable events) our services might be unavailable. When this happens, you might be unable to use your Card or obtain infonnation about your Account. We will not be responsible or liable if this happens. 3. ReWafds. Your Account miyht provide you with the cpportunity to earn rewards. If it does, we will separately provide you with all information and terms about your rewards. We will include on your Stafernenfs all rewards you have earned. Ii might take up to hvo .9i11ing Cyck~s for your earned rewards to appear on your Statement. 3-4. Using Your Access Checks. When we provide you with Access Checks, we will tell you whether we will treat thorn as purchases, Salance Transfers, Cash Advances, or Special Transfers. Ordinarily, we treat Across Checks as Cash Advances. Only the person wo designate may use Access Chocks. Access Checks may not be used to pay any amount you owe us or any nflier company within the Capital One organization. We may reject and not pay any Access Check for any reason. Any liability irir our wrongful dishonor of an Access Clreck will ba limited to your actual damages and will not exceed the amount of the Access Check. When you use an Access Check, you wilt have fewer rights to dispute merchant transactions than with other uses of your Cerd. Please see 11re "Billing Rights Summary' part of your Statement and your other T~trth in Lending Disclosures for more information. 4. Stopping Payment of Access Checks. You may request a stop payment on any Access Check by contacting us as provided on your Statement. We may charye you a fee to stop payment as described In the Fees Section. If you call us to stop payment, you must also send to us a written request within 14 calendar days. We will have a reasonable amount of tune after your stop payment request to research the situation and complete it. We will not be responsible if we a-rnnot complete the stop payment because the Access Check was already paid, you do not give us the information we asked for or the information you gave us was incorrect If we cannot stop payment for these roasons, we may still keep the stop payment fee. Once we complete a stop payment, we do not have to release the stop payment order unless the same person asks us tu. I( we re-credit your Account after paying an Access Gheck following a~valid slop payment order, you give us all of your rights against the payee or other fiotder oT Itre paid Access Check. You also agree to help us as we request in any actions we might later take against that person. 4. Using a PIN. We may give you a personal identification number (PIN). For security reasons, you might have to provide ttre PIN before ycu are able to complete some transactions using the Card. With a PIN, you may use your Cvrd to: (1) obtain cash from certain automated teller machines (ATM) or (2) make purchases at remain merchant nr retailer point-of-sale devices (POs). You may do these things If the ATM or POS requires entry of a P!N and displays the logo of the Card Association on your Card. We will treat all ATM transactions as Cash Advances and all POS transactions as purchases. You should keep your PIN secure and not write it down, give it to anyone, or keep it with your Card. If you lose your Card or believe that someone has gained unauthorized access to your P1N, you must contact us immediately. ~, Authorized Users. You may ask us to add one or more Aulhoiized Users with additional Cards on your Account. If we agree to your request, we will need certain information about the Authorized User to manage your Account. This will be the same infom~alion you provided about yourself as described in the Account Information Section. We may limit an Authorfzed Usor's ability to initiate certain transactions. If we do, we wilt tell you about these limitations before adding any new Authorized User on your Account. Once we add an Authorized User to your Account, we may discuss your Account with Them and provide them with Account information. You will be responsible for their use of the Card and your Account as well as anyone else they allow to use your Card or Account. This will he true even if you did not want, or agree to, their use. 5. Removing an Authorized User. if you want to rornove an Authorized User from the Account, you must contact us as provided on your Statement and request theJr removal. We wilt have a reasonable amount of time after your request to research the situation anri remove If~em. You 1-imrrtedretelyrtfes{rey-a ssiar~-aad-sarasal-aJl-ef-lAeir-biJling.~nrtangomenL..lo-lhe~tccounL~le.vxill_noLdallti:Sor. ~~~u_.____._ During this tune, you still will he responsible for all amounts they charge to the Account. You will he responsible evon If These amounts do not appear on the Account until later. We may close your existing Accounf andlor issue a nets Card with a new Account number 5. Finance Charges. We will charge Finance Charges to your Account as disclosed to you in your Statements and other Truth in t.endinq Disclosures, In some instances, we will not charge Finance Charges for some period of lime fur certain Transactions or batanu>s. 5. YOUI" PrOmise t0 Pay. You promise individually and jointly to pay us all arnounls due on your Account. This includes amounts where you did not sign a purchase slip or other documents for the Transaction. If you use your Card number without prosenling your actual Card (such as for mail, telephone or internal purchases}, This will be treated the same way as if you used the Card in person. If you let someone else use your Card, you are responsible fur all transactions that person makes. 6. Statements. We will send you one Statement for all Cards on your Account unless the law does not require or permit us to send a Sfalement. Stafements wilt bo sent at the end of each Billing Cycle when your Accounf has a positive cred)t balance or a negative debit balance of more than $1.00 or If we have charged a Finance Charge to your Account. Yolrr Statement wilt show all transactions billed to your Account during the Billing Cycle along with other Important Accounf information. 6. DISpUted Tfansactlohs. You must inspect each Statement you rece"sva and tell us about any errors or questions you.have as described in the "Billing Rights Summary` part of your Statement and other Trtrlh in Lending Disclosures. If yorr do not notify us as provided in Iliose disclosures, we may assume that all information in the Statement is correct. If you dispute a transaction made by you or someone else on your Accounf, and we later credit your Account fcr all or part of the disputed amount, you give us all of your rights against That other person. You also will: (1) give us any merchandise or other purchases you received in connection with the disputed amount if we ask; {2) not pursue any claim or reimbursement from the merchant and that other person; and (3) help us pursue and get reimbursement from the merchant and chat other person; your help includes giving us documents that we ask for and that are acceptable to us. 6-7. Fees. We will treat the following fees as purchases. These fees apply to your Accounf only it they are provided in your Tiulh ;n Lending Disclosures. Remernbzr, paying the fees charged in connection with a default as described in the Account Default Section Nil! not by itself cure the default. • Membership Fee. We may start charging you this fee in your first Billing Cycle or later. )f it is an annual fee, we may then charge it approximately once per year during the Billing Cycle that includes ihr. anniversary date of your Account oponing. tf it is a monthly tee, wo may then charge it once per month in each Billing Cycle. This fee is payable in advanu: even it yvu do not use your Account. • Lafe Payment Fee. We may charge you a fee if we do not receive your payment in time for us to credit it by the due dale shown on your Statement. • Overlimit Fee: We may charge you a fee if a transactlon, Finance Charge, or other fee, charge or balance causes yvu to go over or remain over any o your credit limits during any 8illlny Cycle. • Returned Payment Fee, We may charge you a fee each time any payment you make io us is not paid by your flnanclal Institution, even if that institution later pays it. • Returned Access Check Fee. We may charge you a fee If wo do not pay an Access Check for any reason, including when your Accounf is in default, overiimit, suspended or closed. • Stop Payment Fee. LNe may charge you a fee each time you request us to slop payment on an Access Check or you renew an existing stop payment order as provided In the Stopping Payment of Access Checks Section. • Copyinq Fee. We may charge you aper-paya fee for rnples of transactlon documents or Sfaternenls unless They are required in resolving a billing dispute. l'he following tees are Finance Charges. We will treat them as Cash Advances. These fees apply to your Accounf only if they are provided in your Truth In !.end/ng Dlsc/osures. • Cash Advance Fee. We may charge you a fee each time you obtain a Cash Advance. Transfer Fee. We may charge you a fee each time you obtain a Transfer- 7. TranSBCtionS Made in Foreign Currencies. !f you make a transaction In a foreign currency, the Card Association will convert it into a U.S. dollar amount. The Card Association will use its currency conversion procedures In effect when )t processes the transactlon. Currently, it uses aliher a rate selected from the range available In a wholesale currency market or a government imposed rate. The conversion rate in effect on the processing dale might differ from the rate in effect on the transaction or posting date. We do not currently adjust the currency exchange rate or charge any additional currency conversion feos. 7. No Warranties. Except as otherwise provided in rife "Billing Rights Summary" part of your Statements, we are not responsible for any claim you might have regarding the purchases of goods or services made with your Card. 7. Merchant Refunds. If you are entitled to a refund for goads or services purchased with your Card, you will accept Ihese refunds as credits to the purchase Segment of your Account. We do not control when a merchant sends us your refund. We will also have a reasonable amount of time atter we receive your refund to process if. 8. Minimum Payment. Your Statement will provide instructions for making payments, including the amounts due and the due date for receiving your payment. Your Statement will also include a minimum payment amount. To avoid a late payment fee, you must pay us at least this minimum payment amount by the due date provided in the Statement. If you exceed your credit limit we may request a higher minimum paymr:nt from you. Be aware that paying only the minimum payment amount might not be enough to avoid an overiimit fee. still must pay at least the minimum payment amount shown on each statement we send you. We will continue to charge Finance Biginy Cycles when you carry a balance regardless of ~,vhether your Statement includes a minimum payment that Is due. 8. Making Payments. Your payments must be in U.S. dollars from a U.S deposit account and otherwise be acceptable to us. We do not accept cash payments through the mall. You may not make payments with funds from your Accounf or any other credit account with us or any other company within the Capital Ore organization, 8. Mailed Payments. Yov must mail payments to us at the address provided nn your Stafemerrt. !f we receive your payment on'Monday through Saturday (excluding bank holidays), we will credit it to your Accounf on the day we receive A, if: (~) you send the remittance coupon included with your Statement in the same envelope with your payment; (2) you include your Account number on your payment; and (3) your payment arrives at our processing center by the lime indicated on your Statement. Please allow at least 5 business days for postal delivery. Payments received at any other logtion or in any other form might not be credited for up to 5 calendar days. This might cause you to be charged late payment fees and additional Finance Charges. 8-9. Faster Payment 50NICeS. We may make services available that allow you to make faster payments using a telephone, the Interact or other payment system. Wo will describe the terms for using these services before yvu use them. You do riot have to use these other payment services, and we may charge you a fes for using them. If we do, we will tell you the amount of the fee at the time you request the service. We are not responsible If a payment made using our payment services is rejected or not paid. Even if it is, we may still keep the fee. If you give your Account number or other Account information to someone else to make a payment for you, we may provide Account information to them and process their paym enf as if you made it. We may refuse to accept any payment made by someone else for your Accounf. If we accept a payment made by someone else for your Account, you will be responsible for the payment made even if that payment is rejected or not paid. 9. Payment Processing, We may accept and process payments without losing any of our rights. Cven it we credit your payment to your Accounf, vie may delay the availability of credit until we confir)n that your payment has cleared. We may resubmit and electronically called returned payments. We may also adjust your Account as necessary to correct errors, to process retwned and reversed payments, and to handle similar issues. When you provide an tfem as payment, you outhorize us either to use information from your lterrr to make a one time eteclrcnlc fwJd transfer from your deposit account or to process the payment as an Item. We will provide additional information about this process on your Statement or other documents we send you before your payment. You may contact us and ask that we not process your future Ifems in this way. When you provide an tfem as payment, it might also be converted into an electronic image and collected and returned electronicaliy. These electronic images may also be converted to substitute checks. We v~111 not be responsible ii an !tern you provide leas physlcai features That when imaged result in it not being processed as you intended. 9. HoW We /a(7ply Your Payments. We generally apply your paymen! to lower Annual Percentage Rale balances before higher ones. Please refer to your Truth in Lending Disclosures for details on how we may apply your payments. 9. Items with Restrictive Words, Conditions or Instructions. All Ifems that have restrictive words, conditions, limitations or special instructions added (including Items marked with the words "Paid in Full" cr similar language} must be mailed to and received at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. If you make your payment to any other address, we may accept and process tt+e payment without losing any of our rights. 10. Credit Balances. we may reject and return to you any payment that creates a credit balance on your Account Any credit balance we allow will not be aval!able uNil we confirm that your payment has cleared. We may reduce the amount of any credit balance by any nev: amounts billed to your Account. You may conl-ad us as provided on your Statement and request a rotund of any available credit balance. H you contact us in writlny, we will retund your credit balance within 7 business days (rare our receipt of your written request. 1 ~. Account Default. You will be In default of your Agreement with us if (t) you do not make any payment when it is due; (2) any payment you make is rejected, not paid or cannot bo processed; (3) you exceed a credit flmit; (4) a bankruptcy or other insolvency proceeding is filed by or against you; (5) you die or are legally declared incompetent or incepacilated; (6) we determine that you made a false, incomplete or misleading siaternenl on any of your Accoun( documentation, or you othotwlse tried to defraud us; or (7) you do not comply with any term of this Agreement or any other agreement with us. For certain actions, including changing the rates and fees on your Account, our options appear in our anginal offer rnalerials when you opened your Account. In addition, if you are in default, we may take the following actions without notifying you, unless the law says Ihat w:, must notify you (t) close or suspend your Accounf; (2) lower your credit limits; (3) Increase your minimum payment; (4) demand that you immediately pay the entire balances owing on your Accovnf: (6) continue to charge you Finance Charges as long as your balances remain outstanding; and/or (6) pursue any other cotton ogainsi you that the law allows, which includes the filing of a lawsuit against you or our requiring arbltratlon as described in the Arbitration Provision Section. You must pay us all of our actual collection expenses, ariorneys' ices and court costs unless the law does not allow us to collect these amounts. In any action against you, we may cheese the Virginia statute of limitations period or the period provided by the law of the state where you 1!ve. 11. CommunlCai'iOnS. We may contact you from time to time regarding your Accounf. We may contact you in any manner we choose unless the law says that we cannot. For example, we may: (1) contact you try mail, telephone, email, fax, recorded message, text message or personal visit; (2) contact you a1 your home and at your place of employment; (3) contact you on your mobile telephone; {4) contact you at any time, including weekends and holidays; (5) contact you with any frequency; (6) leave messages on your answering machine/service and with others; and (7) identify ourselves, your relationsfrip with us and our purpose for contacting you even if others might hear or read it. Our contacts with you about your Account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation vvilh you, modify or suppress caller ID services and use automated dialing and announcing devices (autodialers). We may do these things whether wo call you or you call us. If you ask us to discuss yourAccount with someone else, you must provide us with documents that we ask far acid that are acceptable 1o vs. 11 . Credit Reports. We may provide information about you and 1heAccount to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Inforrnaiion we provide rnlght appear on your and the Authorize Users' credit reports. "f his could include negative information i1 you do not comply with the Perms of this Agreement We may obtain and use information about you from consumer (credit) reporting agencies and others as the law allows. 11-12. C(OSing Or SUSF?enCiing YOUr ACCOUrI~. You may ask us to close your Account by calling or writing us as described on yvur Sfafemenf. Your Statement will provide additional information about this process, and we may also separately provide you with additional details after your request. This might include payment information. If you use your Card or charges post to your Account after you ask us to close il, we may keep rt open or reopen it. We may close or suspend your Account and your right to obtain credit. We may do Ihis al any time and for any reason, even if you are not in default. A suspension of your Account might be permanent or temporary. If your Account is closed or suspended for any reason, you must stop using your Card. You must alsv cancel all billing arrangements to Ute Accounf. We will not do lists for you. If we close or permanently suspend your Account, you must also destroy alt Cards. You must sU11 pay us all amounts you owe on the Account, even if they are charged after your Account is dosed or suspended. 12. Lost of Stolen Cafd. You will take reasonable steps to prevent the unauthorized use of your Card and Accounf. If your Card Is lost or stolen or if someone else might be using Il without your permission, you must toll us at onto. You may fell us by rzlling the telephcne number on the back of your Card or on your Statement or by writing us al the address on your Statement. You will not be responsible for charyrs made to your Account that are found by us to be unauthorized. If we retrnburse yvur Account for unauthorized charges made using yvur Card, you will help us investigate, pursue and get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are arc:epiable fo us. 12. Changes t0 YoUr Agreement. At any time, we may add, delete or change any tens of this Agreement unless we told you that we would not, We will give you notice of any changes unless we previously told you that we may make certain changes without notice. II v+e do notify you o1 changes, wo will send gets a separate notice or Inform you on your Statement. Uur notice wilt fell you when and how the changes will lake effect and describe any rights you have in connection with the changes. Unless we tell you otherwise, ail changes will apply to both unpaid balances on yourAccount and new transactions. 12. GOVerning t_aW. This Agreement and your Account will be governed by federal taw that applies to Them and, if federal law dues not apply, then by Virginia law. This will be true regardless of where you live or where you use the Card. We are located in Virginia. We snake the decisions to open and hold your Accounf. issue your Card and extend credit to you from our offces in Virginia. If any part of this Agreement Is found to be nut enforceable, this Agreement will be read as if the unenforceable part were not there. 12-13. WalVer. We will not lose any of our rights if ore delay taking any action for any reason or If we do not notify you. For example, we may waive or reduce your Finance Charges or lees without notifying you and without losing our right to charge them In the future. wfe may always enforce our rights later and may take other actions not listed in this Agreement if the law allows them. You do not have to receive notice from us of any waiver, delay, demand or dishonor. We may proceed against you before proceeding against someone else. 13. ASSlgnment. This Agreement will be binding on, and uenefit, any vi your and our successors and assigns. You may not Transfer your Arcounl or your Agreement to someone else without our written permission. We may transfer your Account and this Agreement to another company or person without your permission and without prior notice to you. They will take our place under this Agreement. Yov must pay them and perform aft of your obligations to them and nut us. If you pay us after you are informed or learn that we have Transferred your Account or this Agreement, we can handle your payment in any way we think is reasonable. This includes returning the payment to you or forwarding the payment to the other company or person. 18-19. Glossary. - "Access ChecK' means any check we send to you to access your Account. We may also refer to an Access Check as a "convenience check" or a "purchase check.` • "AuthorJzed User' means one or more persons who may use the Card but is not responsible for the repayment of the Account. • "Balance Transfer" means a ]ransfer posted to the purchase Segment of your Account unless otherwise described in your Truth in Lending Disclosures. • "Bitting Cycle' means a period of tirrre chat might vary in length but is approximately 30 days. The specific period of time is described err each Statement. However, you will have a IIilling Cyde even if a Sfafemenf is not required. VJe will often specify a Billing Cycle by Ilse rr,onlh in which its closing date occurs as provided nn the Statement. For example, a "March [filling Cydo" will have a closing data in PAarch. We may also refer to a Billing Cycle as a "Billing Period." • "Card' means any Capital One credit card associated wills your Account, which includes all renewa)s and substitutions. !I also means any other access device for your Account we give you that allows you to obtain credit, including any Accovnl number and any Access Clrack. • "Card Association" means Visa Inc., MasterCard International Incorporated, or any other network provider displayed on the Card. • "Cash Advance' means using the Card to obtain loans in cash or things we consider cash equivalents. Cash equivalents include wire transfers, Uavelers' checks, money orders, foreign currency, lottery tickets, gaming chips and +rragers. Cash Advances are posted to the cash advance Sogmont of your Account and not to your purchase Segment. ._ • "Finance Charges" means certain charges that are your cost of credit expressed as a dollar amount. These charges Include the interest you pay on your balances and certain types of fees. Please refer to your Truth in Lending Disclosures for more information. • "Item' means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes any imane of these instruments. This does not include an Access Check. • "Segments" means the different parts of your Account we may establish that are subject to unique pricing, grace periods or other terms. We crease these parts of your Account for such things as your purchases, Balance Transfers, Cash Advances and Special Transfers. • "Special Transfer" means a Transfer posted to the Special Transfer Segment cf your Accounf and not to your purchase Segment. • "Statement" means a document or information we provide to you showing Account information lncludiny, among other things, transactions made to your Accountduring a 811/ing Cycle. We migh! also refer to your Stafernent as a "Periodic Statement" or a "billing Statement." • "Transfers" means balances transferred from other accounts to this Account and Includes Balance Transfers and Special Transfers. • "Truth !n Lending Disclosures" means any Account information we provide to you that is required by the federal Truth in Lendinq Act and Regulation Z. This includes your solicitation disclosures, account openiny disclosures, Statements and change in terms notices. 13-18. Arbil ration Provision. You and we agree that either you or wo may, at either partys sole election, require Thal any Claim (as defined below) be resolved by binding arbitration. IF YOU OR WE ELECT ARBITRATION OF A Cl.A1M, NEITNER YOU NOR WE WILL }1AVE l HE RIGHI TD PURSUE THAT CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHEfZ CUl-LEC'f1VE UR REPRESEtJI"ATIVE PROCEEDING. EXCEPT AS SET FORTH BELOW. THE ARBITRATOR'S OECISIUN WILL BE FINAL AND BIIJDING. UTHER RIGHTS THAT YOU WUULD HAVE IF YOU WENT TO COURT, INCLUDING THE RIGIiT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIiV11TED OR UNAVAILABLE IN ARBITRATION. THE FEES ASSOCIATED WITH ARBITRATION MAY BE HIGHER THAN THE FEES ASSOCIATED WITH COURT PROCEEDINGS. 13-14. Special Definitions for this Arbitration Provision. For the purposes of this arbitration provision ("Arbitration Provision"), rho following definition shall apply in addition to the definitions set forth in this Agreement: "Claim' means any claim, controversy or dispute of any kind or nature between you and us. A. This definition includes, without 1lmitatlon, any Claim that in any way arises from or relates lo: • the Agreement and any of its ierrns (including any prior agreements between you and us or between you and any other entity from which we acquired your Account) • this Arbitration Provision {including whether any Claim is subject 1o arbitration) • the establishment, operation or termination of your Account • any disclosures, advertisements, promotions or other communications relating to your Accounf, whether they occwred before or after your Accounf was opened • any transactions or attempted transactions involving your Accounf • any billing or collections matters relating to your Account • any posting of lransaclions (including payments or credits} to your Account • any goods or services charged to your Account • any fees, Interest or other charges assessed to your Account, or their calculation • any products, services or benefits programs related to or offered In connection with your Account (including any insurance, debt cancellation or extended service conUacts and any programs, rebates, rewards, sweepstakes, memberships, discounts or coupons) whether or not we offered, Introduced, sold or provided them • our receipt, use or disclosure of any information about you or yourAccounl • any o er ma a rrsttrp-w' ---------------------- - ------...._- 8. This definition also includes, wi(horrt lirni(ation, any Clelm: • regardless of how or when it Is brought (for example, as an initial claim, counterclaim, cross-claim, interpleading or U~ird-party Gaim) • based on any theory of relief or damages (Ihctuding money damages and any form of specific performance or injunctive, declaratory or -based on any theory of law or equity (including contract, tort fraud, constitution, statute, regulation, ordinance or wrongful acts or omissions of any type, whether negligent, reckless or intentional) • made by you or by anyone connected with you or claiming through or for you (Including a co-applicant or Authorized User of your Accounf, your agent, your representative, your heirs or a trustee in bankruptcy) • for which we may be directly or indirectly liable under any theory, including respondeat superior or agency (even if we are not propedy named a1 the time the Claim is made} • now in existence or that may arise in the future, regardless of when the facts and circumstances that give rise to the Clairn occurred or when the „Claim accrued • made as part of a class action, private attorney general action, or other representative or collective aE;tion which Claim shall proceed on an individual basis as set forth more fully in this /~rbilration Provision. 15. Arbitration Administrators. One of the following arbitration administrators ("Administrator" or, collectively, `Administrators") will admhils!er the arbitration: JAMS 1920 Main St., Ste. 300 Irvine, CA 92614 www. tam sadr.com American Arbitration Assn 335 Madison Ave., Floor 10 New York, NY 10017-4605 www.adr.oro National Arbitration Forum P.O. Box 50191 Minneapolis, MN 55405 www. a rbltra lion-foru m.com You may contact any of the Administrators to obtain Information about arbitration, arbitration rules and procedures, fee schedules and claim forms 15-16. Election and initiation of Arbitration. You or we may elect arbitration under this Arbitration Provision with respect fo any Claim, even if Ute Claim is part of a lawsuit brought in court. You or we may make a motion or roquflsl in court to compel arbitration of any Claim brought as part of any lawsuit. We will not elect or initiate arbitration of any Claim brought in a small claims court (or the equivalent), so long as the Clairn remains in that court, is made solely on behalf of an individual or Joint account holder and is not made as part of a class action, private attomey general action or other representative or collective action. You and we must follow the rules of the Administrators to initiate arbitration. If you initiate arbitration, yotr may choose one of the Admlttistralors, and you must mail us any notice required by the Administrator to P.O. Box 65550, Rictrrnond, VA 23285- 5550. if we initiate arbitration, we will Choose one of the Administrators, and we will mail you any notice required by the Administrator to your last- knov+n billing address. !f we have initiated arbitration, we will chanye the Administrator at your request If you notify us In writing at the above initiation of arbitration. 17. Procedures and Law Applicable in Arbitration. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by and enforceable under the Federal Arbitration Act (the "FAA"). Questions about w}tether any Claim is subject to arbitration shall be resolved by Interpreting this Arbitration Provision in the broadest way it may be enforced, consistent with the FAA and the terms of this Arbitration Provision. The arbitrator will apply substantive law consistent with the FAA and applicable statutes of Hmltallons, but the validity and enforcement of any class action waiver is a question for a court of competent jurisdicfwn, not arc arbitrator, to det:Ide.. The arbitrator may award any damages or other relief permitted by applicable substantive )aw (but will not have power to review the enforceability or sevembility of the paragraph "No Consolidation or Joinder of Parties." below), but the award shall determine the rights and obligations of only the named partits and only with respect to the Claims In arbitration. The rules and procedures of the Administrator, which you may obtain from the Administrator, shallyovern the arbitration unless they conflict with this Arbitration Provision, in which case this Arbitration Provision will apply. The arbitrator will not be bound by, and this Arbitration Provision shall not be subject to, the federal, stato or local rules of procedure and evidence That would apply In any court, or to slate or local laws that relate to arbitration proceedings. You or we may have a hearing in arbitration. Any arbitration hearing That you attend In person will lake place at a location in the federal judicial district that Includes your last-known billing address or at some other place upon which yov and we agree. You or we may bo represented by counsel. If you or we request, the arbitrator will honor claims of privilege recognized under applicable law and wi}l use best efforts to protect confidential information (including through the use of protective orders). The arbitrator will make any award in writing and, at the timely request of either party, will provide a written statement of reasons for the award. 1%. Costs. The party initiating arbitration will pay the initial filing fee. You may seek a waiver of the initial filing fee or any of Ute Administrators other fees collectively, "Administrator's Fees") under any applicable rules of the Adrttinlstralor. If you seek, but do not qualify for, a waiver, we will consider any written request by you for us to pay or reimburse you for alt or part of the Administrator's Fees. We also will pay or reimburse you for all or part of the Administrator's Fees If the arbitrator determines there is good reason for us to do so. We will pay any fees and costs we are required to pay by law. Otherwise, and except as provided fn this Agreement, you and we wilt bear all of our respective fees and costs (including the Administrators Fees and the fees and Costs relating to attorneys, experts and witnesses), regardless of who prevails. Allocation of fees and costs relating to appeals In arbitration will be handled in the same manner. 18. No Consolidation or Joinder of Parties. The arbitration of any Claim must proceed on an individual basis, even if the Claim has been asserted in a court as a class action, private attorney genoral action or ocher representative or collective action. t)nless all parties consent, neither you nor we may join, consol)dafe or otherwise bring Claims related to Iwo or more ar;counts, individuals or accountholders in the same arbitration. Also, unless all parties consent, neither you nor we may pursue a class action, private attomey general action or other represenlativo or collective action in arbitration, nor may you or we pursue such actions in Court if any party has elected arbitration. You will not have the right to act as a class representative or participate as a member of a class of claimants with respect to any Claim as to which arbitration has been elected. .appeal of the av+ard by making s written request to the Administrator. The appeal panel, which will consist of three arbitrators, will consider all factual and legal issues anev+, will conduct the appeal in Ute same manner as the initial arbitration and will make decisions based on the vote of the majorffy. The panel's decision will be final and binding. Any final decision of the arbitrator or of tho appeal panel is subject to judicial review only as set forth under the FAA. An award In arbitration will be enforceable under the FAA by any court having jurisdiction. 18. Miscellaneous, Waiver, SeverabillN. Survival. If you or we do not elect arbitration or otherv+ise enforce this Arbitration Provision In connection with any particular Claim, you or we will not waive any rights to require arbitration in connection with that or any other Claim, This Arbitration Provision shall survive: (I) suspension, termination, revocation, closure or changes of this Agreement, your Account and your relationship with us; (ii) the bankruptcy or insolvency of any party; and (iii) any transfer of your Account, or any amounts owed on your Account, to any other person or entity. if ahy portion of this Arbitration Provision is deemed invalid yr unenforceable, the remaining portions of this Arbitration Provision shall nevertheless remain valid and in force. In the event of a conflict or inconsistency betwoen this Arbitration Provision and the other provisions of this Agreement or any prior agreement, this Arbitration Provision shall govern. A photocopy or other image of this Agreement and related documents may be used In place of the originals for all purposes including Iltigatlon, ~~~s- - et"r 2008 Capital One Capital One is a federally registered service mark All riga~ts reserved M-93465 COF Chstomer Agreement 005 DEFENDANT'S VERIFICATION I, , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belief. Date Signatw-e CERTIFICATE OF SERVICE A true and correct copy of Plaintiff s First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the ~~~' day of ~~ 2009, upon the following: Molly Robertson 2101 Mayfi-ed Lane Camp Hill, Pa ] 701 1 ~- ; CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiffls Motion for Summary Judgment and Brief in Support has been served by U.S. Mail, Postage Pre-Paid, on ~~ay of following: Molly Robertson 2101 Mayfred Lane Camp Hill, Pa 17011 By: ~. ' , 2010 upon the Ber~j 'rYR:'BiY51"er,Esquire PA I # 3598 Welt ,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR#7546865 Ln. a A ~ a ~/~ ~~ ~ ~~ In the Court of Common Pleas of Cumberland County, Pennsylvania ,~/~ vs. No. D g- l0 7 %~ ~v Civil: ~9- a-~~ y'(e~l~~r Ubrr~~~ /G! ~ r 1~1 ~' r` it c~ ~/ ~h o r,~c C~v7T76rr-POI' ~y~ ~!/"r"r' ~r ,~~~i)G~iQ r/7~ '~s~G+~ C~~73~/~ %~l ~/r,~ Ott To Prothonotary 19 J . ~_ ~. A(tt~o~ieyDfor /P_ .,~nCiff ~~~~~;~ No. Term, 19 2010 MAY I2 Ali 11: C18 ~s. CUM }~~ t;,,+~ ~,--~ ~~ P~~~~SYLV~.P~StA PRAECIPE Filed 19 Atty.