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HomeMy WebLinkAbout10-0515 I 7F TPI: Aj. 2 Jk',iN 2 2 ? :' 9 11'J'??' ; X41 y. r' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff No: 10 - 51,5 C;V;? ierM vs. JENNIFER L WRIGHT 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 07795244 C N Pit KMJ 49a-co PQ ATM apct B9a 353414468y87 RT# a3Lo 108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff VS. JENNIFER L WRIGHT Defendant Civil Action No 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: JENNIFER L WRIGHT 59 BLUE POND RD NEWVILLE, PA 17241 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX3791 . 4. Defendant made use of said credit card and has a current balance due of $4509.95 , as of December 28, 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 23.100% per annum on the unpaid balance from December 28, 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 , JENNIFER L WRIGHT , individually , in the amount of $4509.95 with continuing interest thereon at the rate of 23.100% per annum from December 28, 2009 plus costs. James c. WELTMAN, 436 Seve Pittsbuz (412) 4] FAX : 41'y 0779524) This law firm is a debt collector attempti our client and any information obtained wi ro t,42524 I ERG & REIS CO., L.P.A. enue, Suite 1400 A 15219 5 -7130 N Pit KMJ to collect this debt for be used for that purpose. - E 1?1 BIT Previous Balance -? Payments & Credits FINANCE Transactions CHARGE New Balance Minimum Payment Due Date 00 Feb. 02, 2009 31 $474 424 $3 - C$3, $0.00 + $64.52 + $0.00 = . . , Dec. 09, 2008 - Jan. 07, 2009 Page 1 of 1 AI. PI.E PAY AT11ASTntsnraourar MasterCard Platimm Account 5178-0572a411?91 Your Account Il 611'"ladw TOTAL CREDIT LINE $3,00000 TOTALAVAItABLE CREDIT CREDIT LINE FOR CASH $990 * 00 $0 00 AVAILABLE CREDIT FOR CASH . Finance Charges (Flue see reverse for important mfamaticr.) E rate Perodlc Carespondn3 FNIINCE Balance to ate APR CHARGE Purchases 19 OOM42%D 2315% 52470 ,0D 0 W342% D 2315% $0.00 Sp ?ITras .67 0.06342% D 2315% S3982 ANNUAL PERCENTAGE RATE applii? this period: 2315Y. At Your Servke- Go to rwmcllwmaurn m mange) ---t, Q orCet imo,03-3637 to report a bet adolencard orWeek m0.llilamer Re6iahe ® pay Orineel fflwgM?aa metyw'pameritto: CslAW one Bank (USA), NA • P 0 Box T1083. Cl aboe, NC 28272-1083 Saw V ties to: CgMepltal Orie Ona-• P 0 Bar 37ffi - Set l" aY. Ut 84131}(T1B5 ® Have a question about a charge on your iifateme C Please refer to the Bikrg Rgtds Summary on the back of y= statement or visit www Youre behind by four payments But you can still bring you' accost current IN payug the m"mun payment amount on you statement tJeed hep7 Gwe is a call at 1 &00955 0000 Well wak together to find a solution Payments Credb dr Ad uftents Uniar term previously disclosed b you, some or all of your Annual Percentage Rates (APRs) have been rcreasei sroe yotr account was past die twice n the past 12 biltg cycles If you rates have akeady ncrsas4 subsequent defmguerhpes extended the duraWn of the increased relies Rernernbw If we mcew your minimum monthly payment on tme for 12 corsa:uhre W9 cycles, tlis account will be renewed for a possible return to your Norrlntod ctory APR Your account has gone wer is mcit tmit To avod additional overtird fees, you should pay more than the Minimum Payment Please pay enough to brig your account balance below your credit lint mmedialely, and malice sure your account balance rafiens below your credit imt Please W sure the amount you pay acoo nts for any future purchases, fees, and finance chages PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VWVW CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 13791 07 3424310087000474008 7795244 C apftl' Account Number. 5178-0572-6411-3791 Due Date New Balance Minimum Payment Amount Enclosed Feb. 02, 2009 $3,424.31 ) $474.00 PAY AT LEAST THISAMOUNT #9000816180244725# JENNIFER L WRIGHT 54 BLUE POND RP NEYVILLE, PA 17241-9531 .1111 Jill I 11.1.11.1111 1111111111111.1111d.11.11IlIll. 11111111111 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 10 Pay online anytime-no more checks, stamps or clutter Q Moving? Change your address online or on the back 0 Help save the planet Co paperless © Sign up at vvww capdalone com Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 IIIII11•lllr'IIIII'Il'Illllll"111111"II'I'Ill'II"III11111'11II Please make checks payable to Capital One Bank (USN, NA and mail with this coupon in the enclosed envelope. PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JENNIFER L WRIGHT 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 Civil Action are true and correct to the best of his/her knowledge, information :and belief. Dated: Shawn Wood A049 WELTMAN, WEINBERG & REIS CO., L.P.A. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Edward L Schorpp Solicitor Capital One Bank (U.S.A.) N.A. vs. Jennifer L. Wright T? r 200 XJ .u Case Number 2010-515 SHERIFF'S RETURN OF SERVICE 01/25/2010 05:00 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on January 25, 2010 at 1700 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Jennifer L. Wright, by making known unto Hazel Wright, Mother of defendant at 59 Blue Pond Road, Newville, Cumberland County, Pennsylvania 17241 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $38.80 January 26, 2010 SO ANSWERS NY R ANDERSON, SHERIFF By Deputy Sheriff (c) CouotySuite Sheriff. Teleosoft Inc. Jennifer L Wright 59 Blue Pond Rd Newville, Pa 17241 Vs Capital One Banking (USA), NA No: 10-515 Civil Term Counsel of Record James C. Warmbrodt, 42524 Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 07795244 C N Pit KMJ OF TFIEtt?lONOTAH'F Zl18 FE8 -4 AM $, 53 OM' mulct mu la This is my written response to the civil action taken against me by Capital One. When the bottom fell out of the automotive industry my 50k a year job went down to 35k a year. At that time I started having trouble paying my bills, which included several credit cards, my mortgage, a second mortgage, and a land mortgage. Not to mention everyday living expenses of food, gas, clothing, etc. I was falling behind on payments and the late fees and interest changed on my credit cards was making it impossible for me to keep ahead. On Nov. 11, 2008 1 turn to Credit Solution for help in getting my credit cards under control. They contacted the three credit card companies I enrolled in as to what I was doing. The very first account they settled for me was a Capital One account ending in 43485. The second account they just settled for me was my Washington Mutual account. The only account that has seemed to refuse to work with me and Credit Solutions is the Capital One Account ending in 3791. If my financial situation hadn't taken a drastic change for the worse I would gladly pay off the account, as it is I'm barley hanging on to my house. I have enclosed a copy of my hardship letter and a financial statement showing what I owe and what I make. I hope we can avoid going to court and can work this out to both our satisfaction. Jennifer L Wrigh CLIENT HANDBOOK Client Hardship Statement We've said it before... It is often far easier getting into debt than it is getting out of it. Everyone's situation is unique and each financial circumstance will vary greatly. However, the one common thread among our clients is their present financial situation does not allow them to payoff the amount of debt they currently hold; and the resolutions each one of the creditors wants, simply does not fit within the realm of their existing budget. Whether you were laid off, had an illness, a loss of income, or just got in over your head, Credit Solutions, on your behalf, will outline a hardship scenario with your creditors. Telling us your particular situation will assist your Settlement Advisor in talking with your creditors and negotiating the very best deals on your behalf. Please take a few moments to inform us of your situation by either typing a word document on your computer or using the blanks provided below. Be sure to return your statement to the Client Services Department within the next 30 days. This statement will be instrumental in communicating with your creditors so please get this to us in a timely manner. lti?? ?? / 3?o?D/l1 Printed Name Date 30 In no more than a couple of paragraphs, please tell us of the circumstances or events which led you to seek debt resolution BORROWER e-n n : p L (,tJr,"jhl- DOB: - t SSN: CO-BORROWER: DOB: SSN: Dependants in HH: ADDRESS: a HM# c _ e CITY; ST ZIP: w?t it A l ,3 / CELL# 7/ 7 - 2 -/SSt f EMAIL: e?ti23 l c WK# - S- Employer: ern v{-"- (,crs l Years: Title: v Employer: Years: Title: Monthly Expenses Monthly Amt. Balance Monthly Income Net Gross Morta e Payment 757 . Property Taxes $ D I . 7 Borrower Salary Overtime p , pn 00 , h© A -7 Home Owners Iris $ Co-Borrower Sala PMI (mort ins $ Commisions / Tips Association Fees 2nd Mortgages / Liens q 1, ) Bonus Interest / Dividends 36 OG Auto Payment Alimony/ Child Support 2nd Auto Payment Disability Auto Insurance , 5% (y ' yfCi?Iy Pension / Retirement Gasoline 0 ,0 / Rental Income Electricity " Other Income Gas / Oil Total Net Income Water/ Sewage , Garbage Available Cash r ephone Checking: k k6 rnet , Savings: l Phone 30.00 Available Credit: Cable TV Additional + 30 days: Credit Cards/ Unsecured Debt 401 k: --- Q , Total Availa ble Cash j .00 a A -f _ o? ,0& V5,5- Total Net Income I J e, LI-i Total Expenses Surplus/ Deficit g Life Ins. ( Not Deduct'd) (? axfhl Payment Range Taxes ( Not Deduct'd) Affordable Monthly Payment 31% $0.00 Health Ins ( Not Deduct'd) r Affordable Monthly Payment 38% $0 00 Food / Household OQ . Prescription Medications /? pc? Mortgage Information Alimon / Child Support Is, Mortgage G Loan # Tuitions Rate: 75 Type: r: Medical Bills ( Not Insured) , r Total Months Delinquent: New Clothes / Shoes 2nd Mortgage:/- , oan # Expenses Other . Utz Rate: ' , y c Type; !i Total Expenses & Balances .91 % ,1j otai Months Delinquent: HARDSHIP 06- M-rh> RED = Required Information Financial Form Revised 10-31-09 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) NA, Plaintiff, vs. JENNIFER L WRIGHT, Defendant. Case No.: 10-515-CIVIL TERM MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Matthew D. Urban, Esquire PA ID# 90963 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 rn cu Z2 . cr3r :rt r-z- O ?" - ? ? Mft Zr =i - CD ;D p a WWR# 7795244 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) NA, Plaintiff, Case No.: 10-515-CIVIL TERM vs. MOTION FOR SUMMARY JUDGMENT JENNIFER L WRIGHT, 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 $4,509.95 with interest at the interest rate of 23.10% per annum from December 28, 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 03, 2010, 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 applied for, received and made use of the credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments WWR# 7795244 and/or credits, purchases and/or balance transfers and/or cash advances, and interest rates; that she has not submitted any written disputes as to billing inaccuracies; that the account accrued interest at a variable rate; that she has made no payment on the credit card since September 04, 2008; and that $4,509.95 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 $4,509.95 with interest at the legal interest rate of 23.10% per annum from December 28, 2009, and costs. Respectfully Submitted: Y? Matthew D. Urban, Esquire PA ID# 90963 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 7795244 Q . .. Jr: , CRY 20 10 J`.N 22 , -, ''9 y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs_ JENNIFER L WRIGHT Defendant NO : 10 - 51$ ?? V l ICf'tri COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A_ 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07795244 C N Pit KMJ 49a-co PD ATN Ctc t m 35341"o8487 R.T# a&x'7o8 XH- a ~? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. Civil Action Rio JENNIFER L WRIGHT 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: JENNIFER L WRIGHT 59 BLUE POND RD NEWVILLE, PA 17241 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX3791 . 4. Defendant made use of said credit card and has a current balance due of $4509.95 , as of December 28, 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 23.100% per annum on the unpaid balance from December 28, 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 , JENNIFER L WRIGHT , individually , in the amount of $4509.95 with continuing interest thereon at the rate of 23.100% per annum from December 28, 2009 plus costs. James C. WELTMAN, 436 Seve Pittsbuz (412) 4? FAX: 41 0779524 This law firm is a debt collector attempti our client and any information obtained wi ERG & REIS CO., L.P.A_ enue, Suite 1400 15219 17-130 N Pit KMJ to collect this debt for be used for that purpose. Previous aalarrr PaylT)C1L' & credits -)NANCE Transabols New 8alarce IAirlirrltall Payment -C"a Gate $3,359.79 - l $0.00 + $64-52 +?( $000 ? ? $3,d2d.3? $474M Feb. 02, 2009 J Dec. 09, 2008 - Jan. 07, 2009 Page 1 of 1 i ALL PO AT IfA1T n6Ak[NM MadwCud PhOwn Account SVII45 ia"i- B1 Your Account b9igm9tion TOTAL CREDIT UNE 53,000 00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $M w AVAILABLE CREDIT FOR CASH _ $0.00 Finatee Cf wqa (Plww sae Lerase br xrpatai utomeba,) B*nmrale PexOdc Cmemp-d•g FOAANM "W b :ate APR CHOM Rrdmals $129519 045342%D 23 15% 52470 Coh SOW 006342% D 2319% 57.00 SpecWTras V M157 0.06312%0 2315% S39.82 AIBMJAL PERGH1rfUtf RATE appted Bta P?? 231191. ? uYOLf $avlct-GO be?b rw?xyau ,fit, aof 14MM 36i7bnpatabNa WkO=da*O*bDAk.. RAbaoa 0 Pa/0 1red UMBOWN&OLM. rierywr Pw-A1+ Cxpil Ow Dirk 1A). MA - P 0 Ow TW- Ott*. NC Z92Tb10Si Scold 6tpLiM b: Capld Ors P 0 da 3M, Sd L" Cly, lR 84TA0d15 Yovre beW by four peymerb But you can sit trig you' a=" CLI(WA by pi"V the ==ran pWwaft wham m yar sbbrnea t*ed halo) Give s a err at 1 BW 9S 65M WA wak bg*o to fnd a sobbon PaAwft Credb 8 A*Abnmts Under bans prm+m* disclosed b you, sane a at of yar NVIA Parwrbga Rata (APRs) fee been rcmwW wce yar w=xt was peat da twee in the past 12bttrg Wchs Ryan rata IRNe ieedy rTC eamc, st.Gaec le deYnr}tenaee ftr q the duahm of to rcreeted rates Ran wrbar Owe mcewyar mrarmn berth) p Wmat on lore for 12 ca swuhve WN gcbs. to acsourt wN be wwwad for a possdle react b yar PlorfthadFbry APR. You azart nks gam woe as aeat Yrxi To wW adAxW mmin l fees, you skald pay rrKxe Ow t* WnMUM PWTTWA. Pkese Pay WOO to brag ym B= ft belarea blow yowcraal Intt mrmdw*, and woks we yow stcotrtt 1- -1 a wo bebN Youtxadl W01 Please be we to wort you pay =utts to any futre pwdewm, bm, ad &ance draga jft Have a gaimm about a derge on yorw mWaeri4 Plawe refer b am BaY1g R?It Sumllny ? ate Dale of yar slHharmri a vmt RFASE RETURN POmIDN BELOW Wrn( PAYMENTOR LOG ONTO WiNWICAPRALOW COM TO MAKE YOUR PAYMENT OMME 13791 07 3424310087000474008 AacottrttwlmbeT:s,78-0sn-6a„379, tend a hand. Save the land. Due Date New Babb a Minimum Payment Arnowt Encbsed Manage your account online today- FT3D. 02, 2009 $3,424.31 ) $474.00 its fast, easy and secure. d / ."n , e Pay -6ne -Vhn - -m (h-k4. 0-4ri - - PAT AT LEAST TINS AMOUNT © Moving? Change your addrea oTthne or nn The tack ® Help s.rre the planet Go Papcrku "000916180244725# 0 Sign up at wow capdalone com JENNIFER L WUSHT Si BLUE PONt RP Capital One Bank (USA), N.A. REYVILLE, PA 17241-9531 P.0• Box 71063 Charlotte, NC 26272-3063 .I111?11.,11.1.11.?.1.till,111?i?11.IIII.I.?I.t11111.1?1111f?N1) Il+?,?IxII1..tltl?'11`?1??I11..??1III..??.1.???.1?..{??t??l?`?I1? 7795244 Pkase ffWw d wis Payable to Capibf One Bank (USPJ, NA and nisi with this wupon in the endosed envelope. PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintiff, v. JENNIFER L WRIGHT 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: v ' S &,!: ? F? Shawn Wood A049 WELTMAN, WEINBERG & REIS CO., L.P.A. Jennifer L Wright 59 Blue Pond Rd Newville, Pa 17241 I/ S Capital One Banking (USA), NA No: 10-515 Civil Term Counsel of Record James C. Warmbrodt, 42524 Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 07795244 C N Pit KMJ ?? TM ?HOit10NOTNo Zg{A FEB -4 AM 80 53 This is my written response to the civil action taken against me by Capital One. When the bottom fell out of the automotive industry my 50k a year job went down to 35k a year. At that time I started having trouble paying my bills, which included several credit cards, my mortgage, a second mortgage, and a land mortgage. Not to mention everyday living expenses of food, gas, clothing, etc. I was falling behind on payments and the late fees and interest changed on my credit cards was making it impossible for me to keep ahead. On Nov. 11, 2008 i turn to Credit Solution for help in getting my credit cards under control. They contacted the three credit card companies I enrolled in as to what I was doing. The very first account they settled for me was a Capital One account ending in 43485. The second account they just settled for me was my Washington Mutual account. The only account that has seemed to refuse to work with me and Credit Solutions is the Capital One Account ending in 3791. If my financial situation hadn't taken a drastic change for the worse I would gladly pay off the account, as it is I'm barley hanging on to my house. I have enclosed a copy of my hardship letter and a financial statement showing what I owe and what I make. I hope we can avoid going to court and can work this out to both our satisfaction. Jennifer L Wrigh r i CLIENT HANDBOOK Client Hardship Statement We've said it before... It is often for easier getting into debt than it is getting out of it. Everyone's situation is unique and each financial circumstance will vary greatly. However, the one common thread among our clients is their present financial situation does not allow them to payoff the amount of debt they currently hold; and the resolutions each one of the creditors wants, simply does not fit within the realm of their existing budget. Whether you were laid off, #.ad an illness, a loss of income, or just got in over your head, Credit Solutions, on your behalf, will outline a hardship scenario with your creditors. Telling us your particular situation will assist your Settlement Advisor in talking with your creditors and negotiating the very best deals on your behalf. Please take a few moments to inform us of your situation by either typing a word document on your computer or using the blanks provided below. Be sure to return your statement to the Client Services Department within the next 30 days. This statement will be instrument / in communicating with our creditors so lease et this to us in a timel manner. In no more than a couple of paragraphs, please tell us of the circumstances or events which led you to seek debt resolution t,CJ?i toi o _ ?? c? 1 _ /l i _ / CNj(CM P ?n/?-? T- 1171- Printed Name " -??oTO/O Date 30 T! - -/J 1? -? /- - -nsc- s e-0 I _-, BORROWER' r`t1r?: ear ?. I i t- DOB: - SSN: CO-BORROWER: DOB: SSN: Dependants in HH: - - AODRESS:,O 610&- HWi# 1- 7 c _ 71TY, ST ZIP: w?i ?? ?? ? ? I CELL# 7/ 7 _ 2 -/SS J EMAIL: rxJ(2? c WK# _ - 5- Em to er: -.; ` c... c+??r (z Employer: / Years: Title: Years: Title: Monthly Expenses Monthly Amt. Balance Monthly Income Net Gross Mortgage Payment y Property Taxes $ D Borrower Sala Overtime O ,Op CrO ^ d0 Home Owners Ins $ Co-Borrower Sala PMI (mort ins $ Commisions / Tips ssociation Fees 2nd Mortgages /Liens - 62-1 (o q.016, Bonus Interest !Dividends uto Pa ment 'Alimony/ Child Support nd Auto Payment Disability uto Insurance e r 1 Pension! Retirement asoline p0 y c 7 Rental Income E Other Income Gas !Oil Total Net Income Water /Sewage Garbage Available Cash Telephone Checking: k S- Internet , 6 Savings: w- Cell Phone 3C7.0O Available Credit: Cable TV Additional + 30 days: Credit Cards/ Unsecured Debt 401 k: --- Q Ce, Total Available Cash .oo a o oZ ,dL SS.D Total Net Income I 7 51,., 317 S t 11.1 Total Expenses Surplus/ Deficit g Life Ins- (Not Deduct'd) t) u{?y Payment Ran e Taxes ( Not Deduct'd) g Affordable Monthly Payment 31% 00 $0 Health Ins ( Not Deduct'd) i? Affordable Monthly Payment 38% . Food / Household J W, QO $0.00 Prescription Medications L1 po Mortgage Information Alimony / Child Support t st Morta e L iti T oan # ons u Rate: t 3 75 edical Bills (Not Insured) ., Total Months Delinquent: w Cl th / Sh e o es oes 2 nd Mort a e: - L Ch r E n oan # e xpenses . U Rafe: 5/ T otal Expenses & Balances 9&M .7 .IJ otal Months Delinquent: ype. G HARDSHIP rr j?te_ RED = Required Information Financial Form Revised 10-31-09 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CAPITAL ONE BANK (USA), NA Plaintiff, NO.: 10-515-CIVIL TERM jE_ NNIFER - WRIGHT, Defendant. PLAINTIFF'S FIl2ST REQUEST FOR ADMISSIONS AND 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. If 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 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 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 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. 7. 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 E hetographic matter, or, sound reproductions, however produced or reproduced, pertaining to anv manner to the subject rnatter indicated; C. The words "identity", "identify", "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the naive 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 person who have possession, custody, and control of said documents . 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 "identify", 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) identify each and every person(s) participating in such an act; (3) identify all other person(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) identify the person (s) presently having possession, custody or control of such record. 3. 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 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 priilege 4r any similar claim, identify that document as follows: author; addressee; indicated or Mind 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 documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1: Defendant signed the attached credit card application referenced in the Plaintiffs Complaint. Admitted Denied if the answer to bequest for Admissions No. 1 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 3: Defendant resides at the address listed on the monthly statements dated Decemeber 27, 2006 through April 1, 2009 and attached to these requests as Exhibit "3." Admitted Denied If the answer to Request for Admissions No.3 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request and identify the Defendant's addresses and the dates that Defendant resided at the said address. REQUEST FOR ADMISSION NO. 4 The purchases and/or balance transfers and/or cash advances listed on the monthly statements attached hereto as Exhibit "3" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 4 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 5: The payments and/or credits listed within the monthly statements attached hereto as Exhibit "Y' are correctly identified for the underlying credit account. Admitted Denied if the ans,ver to Request Ior _`?dmissions No. 5 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 6: Defendant made no payment on the credit card since September 4, 2008. Admitted Denied If the answer to Request for Admissions No. 6 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 7; The credit card account which is the subject of the underlying action accrued interest at a variable rate. admitted rer?Ied If the answer to Request for Admissions No. 7 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 8_ The interest rates listed within the monthly statements attached hereto as Exhibit "3" correctly identify the interest rates for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request- REQUEST FOR ADMISSION NO. 9: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. :Admitted Denied If the answer to Request for Admissions No. 9 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 10: $4,509.95 is a correct and accurate current balance of the credit card account in question as of December 28, 2009. Admitted Denied If the answer to Request for Admissions No. 10 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. f Benjam . BibYer, Esquire Pa. I.D. #93 98 Weltma einberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:7795244 DEFENDANT'S VERIFICATION (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 N-um6-r , 2010, upon the following: Jennifer L. Wright 59 Blue Pond Rd Newville PA 17241 By: 7795244 i O 1?"1 ' 5 C - ? ul ...?? Ot C) 1 Ck. A S o -'?- ?° -t-i N a o CO P N a ?4 z, fR z ?.? h >1 Q' Ul ?-I-P{r C s CL C) O 40 Nf'1 CL y CA ?.. M w a) 44 r`C; L 0 Q H y ?- ? r7lV?.? a EXHIBIT o N u ?E t o I P u ui .n aj G O.Q m O 0 N 3 N C: Ip a '? A 0 va ' ° cv O E N C C -- y °' ` - - c d 3 t v ti J ? 41 y +? N ? t?'? ?i A a . L ? cc CA i r . 7 x• 00 ?S[ ? T E E ... L A e? c o ,? R p + C v o - , O OI'- m . al •M ? ? Y ? S T _ >fl LV c? ? x 7 n , C13 CO ? n? C N :1 a s a = d Q s 7 C O i3 S t y cv CL: if a ? ? ; a a "' v t?J ?+ O 'p tp O Z O ?.n ` ci Z ? .. L y d ?-+ r C ? .` y r C d ? c.M (? ' d v 4 ° E ?t a O 31 ILP a Q qt 4L d 7 C n }. I H Q wl N _ \ Z; $ so a v y } a. O? Y a1 ?a I V to a t a? d ?v? ? S .... u.t _° E v7 y \)Veicome to Capital One Sore Definitions .......... Account Agreement ....... New offers ..................... 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 ............................................................... ......5 Your Promise to Pay ........................................................... .....5 Statements ......................................................................... .....6 Disputed Transactions ....................................................... .....6 Fees .......... ............................... ................. ................. ......... .. 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 How We Apply Your Payments, ............. ........ ......... ._. _...9 Items with Restrictive Words, Conditions, or Instructions _ . _9 Account Default .............................. .................... .................10 Communications ........ ................. ..................... ... .---- ...........11 Credit Reports. .................................................... ..... ...... 11 Closing or Suspending Your Account.-.. .............. ............11-12 Lost or Stolen Card .............. ................................ .................12 Changes to Your Agreement ................. .............. ......._......_.12 Governing Law .......... ......... ..............._.......... ... ......._.........12 Waiver ......... ............. :............................... ........ - - -.------- -12-13 Assignment... ............................................. .......... ....... ....... 13 Arbitration Provision ................................. ........... ....... .....13-18 Special Definitions for this Arbitration Provision .... ....... ..... 13-14 Arbitration Administrators.-. .................................. .................15 Election and Initiation 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 ............................................................... ......_.1 8-19 MIN`I Your Credit Card Agreement 1, Welcome to Capital One. Thank you for opening a credit card Account with us. This Agreement contains the terms for your Capital One j credit card. I 9. Some Definitions. The meanings of the terms you see in italics appear in the Glossary Section. To make 'he Agreement easy to understand, we will also use the following personal pronouns: i (ou "your" and "yoursali" mean each applicant and co-aoplicant for the Account, any person r z?sponsjble for paying iha Account, and anyone they aulhorize to use, access or sarv'ce the Account. it also includes an Authorized User as define(, ir; the Glossary Secticn and as ?fie `anguage allows, "We"us:" "our" and "Capital One" mean Capital One Bank (USA). National Association; and its agents, authorized representatives, successors. and assignees. 1. Account Agreement. Your Agreement ("Agreement') with us Includes the following things: t (1) this document; (2) all Statements; (3) all 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 wish others; (5) your Card benefits brochure which describes benefds provided by the Card Association for your Card and Account. The most current version r of your Card benefits brochure will replace all prior versions. (6) the "Small Business Credit Card Addendum" if you have a small business Card; 1 (T) all disclosures and materials provided to you before or when you opened your Account, including some Truth in Lending Disclosures; j (8) all other documents and disclosures relating to your Account including those provided online: and (9) any future changes we make to any of the above things. 1 I Please read these carefully and keep them for future reference. An image of any of these can be used instead of the original. 2, New Offers. 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 you the offer. If you accept the offer. this Agreement will still apply except as modified i by the offer, ?. 2. Account Information. 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 (if different); (3) your date of birth; (4) your social security number or other government identification number; number(s); 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 website 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. Credit Limits. 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 limit for purchases than for Cash Advances. You are responsible for keeping track of your Account balances and your available credit limits. Do not allow your Account to go over any credit 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 I'anit an 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 this Agreement. Please sign the Card Immediately when you receive it The Card is valid during the dates provided on the front The Card is our property, and you will return it to us or destroy it if we ask. You will take reasonable steps to prevent the unauthorized use of your Card and Account. 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 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 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 all 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 unavailable. When this happens, you might be unable to use your Card or obtain information about your Account. We will not be responsible or liable if this happens. 3. Rewards. Your Account might provide you with the opportunity to earn rewards. If it does, we will separately provide you with all information and terms about your rewards. We will include an your Statements all rewards you nave earned, it might take up to twr. Billing Cycles for your earned rewards to appear on your Statement. 3-4. Using Your Access Checks. When we provide you with Access Checxs, :^ ;rill teil rou Nhether /r will e31 `i;5-m :?s 01jrcha3es Balance Transfers, Cash Advances, or Special Transfers. Ordinarily, we treat Access Chic;<s as Casi? Advances. Only the person we designate may use Access Checks. Access Checks may not be used to pay any amount you owe us or any other company within the Capital One 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 Card. Please see the "Billing Rights Summary" part of your Statement and your other Truth in Lending Disclosures for more information. 4, Stopping Payment of Access Chucks. You may request a stop payment on any Access Check by contacting us as provided on your Statement. We may charge 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 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 ment 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 slop payment, we do not have to release the stop payment order unless the same person asks us to. If we re-credit your Account after paying an Access Check following a valid stop payment order, you give us all of your rights against the payee or other holder of the 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 the PIN before you are able to complete some transactions using the Card. With a PIN, you may use your Card to: (1) obtain cash from certain automated teller machines (ATM) or (2) make purchases at certain merchant or retailer point-of-sale devices (POS). You may do these things If the ATM or POS requires entry of a PIN 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. 5, Authorized Users. You may ask us to add one or more Authorized Users wilh 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 information 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 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 be true even if you did not want, or agree to, 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 and remove them. You also must h-, iedi-aieiy des" all -Wwd, in theif peseessleR aRd GaRG91 all of tl;aip billing a;rapgamepts to the Accot-1 We will not tin this for yn, i During this time, you still will be 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 andlor issue a new 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 Lending Disclosures. In some instances, we will not charge Finance Charges for some period of time for certain transactions or balances. 5. Your Promise to Pay. 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 other 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 let someone else use your Card, you are responsible for 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 Statement. Statements will be sent at the end of each Billing 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 will show all transactions billed to your Account during the Billing Cycle along with other important Account information. 6. Disputed Transactions, 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 you do not notify us as provided in those 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 Account, and we later credit your Account for 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 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 Account only if they are provided in your Truth 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 charging you this fee in your first Billing Cycle or later- If it is an annual fee, wl? may then charge it approximately once per year during the Billing Cycle that includes the anniversary date of your Account opening. If it is a monthly fee, we may hen charga it once per month in each Billing Cycle. This fee is payable in advance even if you do not use your Account. • Late Payment Fee. Ne may charga you a fee if ,ve do not receive your payment is : m. s 'o crenrt t o`t the ue :'.at .,how- C. your Statement. • Overlimit Fee: We may charge you a fee if a transaction, Ffnance Charge, or other fee, charge or baiance causes you to co over cr remain over any o your credit limits during any Billing Cycle. • Returned Payment Fee. We may charge you a fee each time any payment you make to us is not paid by your financial institution, even if that institution later pays it. • Returned Access Check Fee. We may charge you a fee It we do not pay an Access Check for any reason, including when your Account is in default, overlimit, suspended or closed. • Stop Payment Fee. We may charge you a fee each time you request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping Payment of Access Checks Section. • Copying Fee. We may charge you a per-page fee for copies of transaction documents or Statements unless they are required in resolving a billing dispute. The following fees are Finance Charges. We will treat them as Cash Advances. These fees apply to your Account only if they are provided in your Truth in Lending 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 a Transfer- 7. Transactions Mane in Foreign Currencies. if you make a transaction in a foreign currency, the Card AssociatOnwill convert it into a U.S. dollar amount. The Card Association will use its currency conversion procedures in effect when it processes the transaction. Currently, it uses i 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 date 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 Warranties. 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. 7. Merchant Refunds. 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 after we receive your refund to process it. 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 payment from you. Be aware that paying only the minimum payment amount might not be enough to avoid an overlimit fee. still must pay at least the minimum payment amount shown on each Statement we send you. We will continue to charge Finance Billing Cycles when you carry a balance regardless of whether 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 Account or any other credit account with us or any other company within the Capital One organization. 8. Mailed Payments. You must mail payments to us at the address provided on 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 il, 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 arrives at our processing center by the time indicated on your Statement. Please allow at least 5 business days for postal delivery. Payments 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 Ffnance Charges. 8-9. Faster Payment Services. We may make services available that allow you to make faster payments using a telephone, the Internet 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 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 payment as if you made it. We may refuse to accept any payment made by someone else for your Account. 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. i a i i 9. Pa ment Processing, we may accept and process payments without losing any of our rights. Even if we credit your payment to your Accounf, we may delay the availability of credit until we confirm that your payment has cleared. We may resubmit and electronically collect returned r 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 electronic fund transfer from k 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, I When you provide an Item as payment, it might also be converted into an electronic image and collected and returned electronically. These electronic images may also be converted to substitute checks. 'Na will not be responsible if an If-am you provide has physicai features :hat when, imaged result in it not being processed as you intended. 9. How We Apply Your Payments. We generally apply your payment to lower Ar.nuai 1arcewace ipaie oalanc,>s be=or= ,iehar ones. Please refer to your Truth in Lending lisclosures for details on how we may apply your payments. 9. Items with Restrictive Words, Conditions or Instructions. All Items that have restrictive words, conditions, iimitations 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, Salt Lake City, UT 84130-0285. If you make your payment to any other address, we may accent and process the 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 available 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 Statement and request a refund of any available credit balance. If you contact us in writing, we will refund your credit balance within 7 business days from our receipt of your written request 10. Account Default. You will be In default of your Agreement with us it. (1) you do not make any payment when it is due; (2) any payment you make is rejected, not paid or cannot be processed; (3) you exceed a credit limit; (4) a bankruptcy or other insolvency proceeding is riled by or against you; (5) you die or are legally declared incompetent or incapacitated; (5) we determine that you made a false, incomplete or misleading statement on any of your Account documentation, or you othermse tried to defraud us; or (7) you do not comply wilh 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 materials 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 that we must notify you: (1) dose or suspend your Account, (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 tiling of a lawsuit against you or our requiring arbitration 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 live. 11. Communications, We may contact you from time to time regarding your Account. 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 at your home and at your place of employment; (3) contact you on your mobile telephone; (4) contact you at anytime, including weekends and holidays; (5) contact you with any frequency; leave messages on our answering 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 caller 1D 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 if you do not comply with the terms of this Agreement. We may obtain and use information about you from consumer (credit) reporting agencies and other's as the law allows. 11-12. Closing or Suspending Your ACCOUnt. You may ask us to close your Account by calling or writing us as described on your Statement. 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 it, we may keep it open or reopen it. We may close or suspend your Account and your right to obtain credit. We may do this at any time and ',,)(any reason, even :f you ar=: not +n 4efault. A suspension of your Account might be permanent or temporary. If your Account is dosed or suspended for any reason, you must stop using your Card. You must also cancel all billing ar rangemens 0 the ,Acceunf. 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 closed or suspended. 12. Lost or Stolen Card. You will take reasonable steps to prevent the unauthorized use of your Card and Account- If your Cana 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 at the address on your Statement. 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 acceptable to us. 12. Changes to Your Agreement. At any time, we may add, delete or change any term 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. if we do notify you of changes, we will send you a separate notice or Inform you on your Statement. Our notice will tell you when and how the changes will take 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 Account and new 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. This will be true regardless of where you live or where you use the Card. We are located in Virginia- We make the 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 part 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. Assignment. 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 this 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 not 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. 18-13. Glossary. "Access ChecIC means any check we send to you to access your Account. VVe may also refer to an Access Check as a "convenience check" or a "purchase check." • "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 Lending Disclosures. • "Billing Cycle" means a period of time that might vary in length but is approximately 30 days. The specific period of time is described on each Statement. However, you will have a Billing Cycle even if a Statement is not required. We will often specify a Billing Cycle by the month in which its closing date occurs as provided on the Statement. For example, a "March Billing Cycle" 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 substitutions. 11 also means any other access device for your Account we give you that allows you to obtain credit, including any Account number and any Access Check. "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 Segment 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 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 parts of your Account for such things as your purchases, Balance Transfers, Cash Advances and Speclat Transfers. • "Special Transfer" means a Transfer posted to the Special Transfer Segment of your Account and not to your purchase Segment. j • "Statement' means a document or information we provide to you showing Account information Including, among other things, transactions I made to your Account during a Billing 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. • "Truth in Lending Disclosures" means any Account information we provide to you that is required by the federal Truth in Lending Act and E 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, at either party's sole election, require hat any Claim ,as rained oeicw; L,a :ssd,,eo 'ny indinq arbitration. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTATIVE PROCEEDING. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, INCLUDING THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION. THE FEES ASSOCIATED WITH ARBITRATION MAY BE HIGHER THAN THE FEES ASSOCIATED WITH ?• COURT PROCEEDINGS. 1 1314. 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 any way arises from or relates to: i i • 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 Arbitration Provision (including whether any Claim is subject to arbitration) the establishment, operation or termination of yourAccount any disclosures, advertisements- promotions or other communications relating to your Account, whether they occurred before cr after your Account was opened any transactions or attempted transactions involving your Account I any billing or collections matters relating to your Account any posting of transactions (including payments or credits) to your Account any goods or services charged to your Account f 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 4 extended service contracts and any programs, rebates, rewards, sweepstakes, memberships, discounts or coupons) whether or not we offered, j Introduced, sold or provided themt - our receipt, use or disclosure of any information about you or your Account i 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 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 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 properly 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 attomey general action, or other representative or collective action which Claim shall proceed on an individual basis as set forth more fully in this Arbitration Provision. 15. Arbitration 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.lamsadr.com American Arbitration Assn 335 Madison Ave., Floor 10 New York. NY 10017-4605 www.adr.o[g National Arbitration Forum P.O. Box 50191 Minneapolis, MN 55405 •,vww.a rbltra Lion-forum.c.^.m You may contact any of the Administrators to obtain information about arbitration, arbitration fuies and procedures, tee scnedules and ciaim 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 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 tong as the Claim 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 attorney 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, 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 initiated arbitration, we will change the Administrator at your request if you notify us to writing at the above initiation i of arbitration. 17 Procedures and Law Aod'rcable in Arbitration. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and j shall be governed by and enforceable under the Federal Arbitration Act (the "FAA"). Questions about whether 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 limitations, but the validity and enforcement of any class action waiver is a question for a court of competent jurisdiction, not an arbitrator, to decide. The arbitrator may award any damages or other relief permitted by applicable substantive law (but will not have power to review the enforceability or severabiliity of the paragraph "No L . Consolidation or Joinder of Parties,' below), but the award shall determine the rights and obligations of only the named parties and only with respect to the Claims in arbitration. The rules and procedures of the Administrator, which you may obtain from the Administrator, shall govern the arbitration i 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 shalt 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 place at a location in the federal judicial district that includes your last-known billing address or at some other place upon which you and we agree. You or we may he represented by counsel. If you or we request, the arbitrator will honor claims of privilege recognized under applicable law and will use best efforts to protect confidential information (including through the use of protective orders). The arbitrator will matte any award in writing and, at the timely request of either party, will provide a written statement of reasons for the award. 17. Costs. The party initiating arbitration will pay the initial filing fee. You may seek a waiver of the initial filing fee or any of the Administrator's other fees coilectively, 'Administrator's Fees) under any applicable rules of the Administrator. 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 al 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 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. i 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 j a court as a class action, private attomey general action or other representative or collective action, Unless all 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 attorney general action or other representative 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. j ru ruaamenr LIr/Vll lAliG114 I LIO ?. a. + •H • ?•• appeal of the award by making a written request to the Administrator. The appeal panel, which will consist of three arbitrators, will consider all factual and legal issues anew, wifl 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 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 jurisdreilon. 18. Nsceilaneous Waiver Severability. Survival. if you or we do not elect arbitration or otherwise 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: (1) 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 any portion of this Arbitration Provision is deemed invalid or unenforceable, the remaining portions of this Arbitration Provision shall nevertheless remain valid and In force. in the event of a conflict or inconsistency between 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 litigation. Capital 0 2008 Capital One Capital One is a federally registered service mark All rights reserved M-93465 COF Customer Agreement 005 Protect your account. Enjoy peace of mind. 500019 • In case of emergency, makes the minimum monthly payment you owe on your eligible balance once per calendar year. • Pays the minimum monthly payment on your account if you are Payment disabled or involuntarily terminated for up to 12 months. P A 0 T E C T 1 0 N • Pays the entire eligible balance up to $to,ooo in the event of death with Emergency Payment or permanent disability. Capifa/(7ne • Costs just 99 cents per $ioo of your statement ending balance. • ENROLL TODAY! See reverse for enrollment information FINANCE Itevrous Balance Payments & Credits CHARGE Tta lions New Balance Mmimnm Payment Due Date 1 ' $0.00 -( 50.00 $2,136.00 ?_ $2,136 =$654.00)(D...27,20 Oct. 30, 2006- Nov. 27, 2006 Page 1 of 2 R WPAr AT tt2R Msn Wr MasterCard Plaunim Accuunl Pay ments. Credits & Adiusnpeins 5178-0572-6411-3791 Transactions Your Acmrird Infom lion 1 04 NOV TSimp CwsWendy Bntm 717-5415366 PA $9613 TOTAL CREDIT LINE $3 000.00 2 07 NOV WALKART COM *INTERNET 800.966-6546 AR $55.00 , ? TOTAL AVAILABLE CREDIT 3 07 NOV KMART 00042754 MECHANICSBURG PA $13560 . CREDIT LINE FOR CASH RE 4 09 NOV YELLOW BREECHES FAMILY BOILING SPRIN PA $3000 AVAILABLE CREDIT FOR CASH 00 V. s 1 I Nov TEN THOUSAND VILLAGES MECHANICSBURG PA $6699 6 11 NOV HOSS'S STEAK & SEAHOUS MECHANICSBURG PA $3990 -- 7 11 NOV AS14COMBE FARM & GREENH MECHANICSBURG PA $2168 1'mancc Charges (Pldu see merle kr irrryorten[ inronna' ) 8 11 NOV COUNTRY MARKET NURSERY MECHANICSBURG PA f27 80 Balance rate Periodic C-- 9 12 NOV HOUSE OF CARDS CARLISLE PA $2410 applied to rate APR CHAR W 10 12 NOV CRAIGS CREATIONS CHAL4BERSBURG PA $31.80 Purchases $o 00 0.05247Yw 19.1.5% $000 11 13 NOV GIANT FOOD STORES #5 MECHANICSBURG PA $28.94 Cash $0.00 0.05545N.P 20 24.1, S0.00 12 14 NOV KOHL'S #0337 MECHANICSBURG PA 5167 13 ANNUAL YERCENTAGE RATE applied Wis pertod. 000° 13 15 NOV TARGET 00020990 CARLISLE PA S44 11 I4 15 NOV HONEY BAKED HAM 1 HARRISBURG PA $14.13 15 15 NOV MICHAEIS STORE #6710 CARLISLE PA $3195 ® Al Your Service 1-800-903-3637 To rill Customer Rekl o or 1 rcpon a lost or stale. aid. 16 15 NOV MAIN DISH KITCHEN MECH MECHANICSBURG PA $189.00 17 15 NOV RACE PLACE THE CAMP HILL PA S1500 18 17 Nov QUALITY WHOLESALE CARLISLE PA $25.83 0 Send payments to. 19 17 NOV NELLS #208 SNS CARLISLE PA $91 40 Capiul One Bank i_' P.O. Box 70884 7 Charlottes NC 28272- OW 20 NOV DICK'S SPORTINGGOODS HAMPDEN TOWNS PA 54662 21 20 NOV THE HOME DEPOT 4120 MECHANICSBURG PA $28.03 ® Send mq-iri to; 22 21 NOV AVON 8884332153 FL $22896 Capiul One P O Box 30285 D Salt Lake City, UT 84130-0233 21 NOV PA DRIVER/VEHICLE SERV 8009324600 PA S36.OD 24 21 NOV SUNOCO SVC STATION MECHANICSBURG PA $23 14 25 21 NOV THE HOME DEPOT 4120 MECHANICSBURG PA S3070 26 22 NOV THE PATRIOT NEWS CO IN HARRISBURG PA S7500 27 22 NOV THE PATRIOT NEWS CO IN HARRISBURG PA 551.00 28 22 NOV 'THE PATRIOT NEWS CO IN HARRISBURG PA 550.00 29 22 NOV THE PATRIOT NEWS CO IN HARRISBURG PA 542.00 30 22 NOV THE PATRIOT NEWS CO IN HARRISBURG PA $36.00 31 22 NOV THE PATRIOT NEWS CO IN HARRISBURG PA $25.00 32 22 NOV THE PATRIOT NEWS CO IN HARRISBURG PA S2500 6016 106 1 7 31 061331 Paea 1 oc 2 -6os6 PLEASE RETURN PORTION BELOW WITH PAYMENT .--Ph.-'ow 4 vrh,,'s iny- vw4er 0 517M72fA 11379127 2136000000000064006 New Balance Minimum Payment Due Data 32,136.00 564.00 Dec. 27, 2006 PL SE PAYAT LEAST HIS AMOUNT Amount Enclosed Capital On. Rank 6361 P.O. Bess[ 70884 Charlott., WC 28272-0984 779324e"2o924M7- EXHIBIT 1 Account Numbta15178-0572-6411-3791 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address IM 890332161802447290 MIL ID HUNHER .7Q rnm L MaGHT 26 R SALTINDRL AVR "DOWP HOLLY SPRIN", PA 17065-1301 ?I706513016n Please write your account number on your check or money order made payable to Capital One Bank and Trial with this coupon in the enclosed envelope. To enroll in Payment Protection: Call toll free 1-888-527-3014 When you n4 Please aenam Key code 3P7. Enrollment is optional and will not affect the terms of any existing credit card agreement you have with us. Once you enroll, this credit card will he billed 99 cents per $100 of your statement ending balance each month. There are conditions and exclusions that may limit your eligibility for certain benefits, for example, you will not be eligible or the inability to work benefit it you are self-employed, seasonally employed, part-time, retired, or currently unemployed. You will also not be eligible for disability benefits if you are currently disabled. A Welcome Kit and the Member Benefits sheet should arrive in 7-10 business days. clease review the Addendum, which will be included, for a full explanation of all benefits, conditions, and exclusions. If you're not completely satisfied with this product within the first 30 days, you can call 1-888-527-6904 to cancel and request a full credit of your Payment Protection fees- I Hrw,.Aadd.Flanbecbaya, i a Gin Paabd. 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ProYddi t 1) you sefd Tke tree .E?1;,?,,[,: wad tl your P,7recni u -eyes m ae IfC6t1Og aClnas R fdr PDan1 dells'eaY fQelYed by Ds Y D? tpgtl0q OT ID lag d,ys we MomLr ahmfgh Sebaddy, aclydmBldevd t?dm& Thin andwrmuoao you aka acad t. xived k?g-tlle b E, you amhdrim us ..wake • e agilimt Yoar balk ncdbuN l,s.rlf Ne 7795244 capitalow eavour 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a ood credit history-it affects more areas of your life than just your ability to ;et a credit card. • Use a hudget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FINANCE 1'revwus Balance Payments & Cred#s CHARGE Transact-s New B.I-e Minimum Paymrnt Due Dale $0.00 $0.00 + $2,136.00 =? $2,136.00 $64.00 I (D.,::--27,Z006 Oct. 30, 2006 - Nov. 27, 2006 Page 2 of 2 rt[nst nr ar unn rws araan.r / MauraCard Mom. Account Tranmctuatsrcominred) 5178-0572-6411-3791 33 22 NOV THE PATRIOT NEWS COIN HARRISBURG PA $25.00 34 24 NOV TARGET 00020990 CARLISLE PA $35.97 Your Account Infarntahon 35 24 NOV KOHLS #0188 CARLISLE PA $IOI 42 TOTAL CREDIT LINE $3,000,00 36 25 NOV THE-BRADFORD CHECKS NO-323-91114IL S6940 TOTAL AVAILABLE CREDIT 0Q 37 26 Nov NELL'S #208 SNS CARLISLE PA $71 27 CREDIT LINE FOR CASH 990.00 AVAILABLE CREDIT FOR CAS H 00 77955244 eos« sos r v n Dean rsea z ee z m.ceosc SAVE HUNDREDS* when you shop around for your insurance. "C"Ith E.Uwtatd lnwrance f0mpani0c !Racing 6 You could Month P -W., auto m;u .ante alon °r'^pe on Yas s,r«o tns.•ancr co. - n $3M suy ..11-1 -ambfne . ....... . . ..... .... __-__.._ ;_._____ _.r __ /• 0re.bm4 ln+unn[e C?mpa?r As 5369 -- --- - - ? -t?---_- andWwcouldsaloandhomeow,lersinw _ ve en addl Hansa : a• ?- 1 s3sa suy A-) wr,7ronce linen o.rac - - _ `$797 8 y 1 t -` S GET UP Tp E p rn. ro a .. _. .. ! -3 3v II1 .. +?h wer Dom toP 07 unler svfie EE U ES - a to Coy 1 1 center w yO"s+'^p online __. _ _ . _. ___ ._ ww.ca0talone.com AIC A,wm A sal 1 r; /Mswancs 9.,cy -----'-- --- --------' ---- _ 1 - Aa 150-3 -- Mnehom --- ---- Ev.nnoe A $SOfi Bvy onnael (j - ------------- Enmmpaa Aa 5579 Buy 0011na1 1'rnams Balance RYmeme @ CtiMiu rTNA $2,136.00 CHARGE t $2987.91 r mcclams -Z ' _ $0.00 Ne B,L Mmimun Nov, 26, Dec. 27, 2006 $861.91 _ ?P'7" " Due Dale $OWj - Page 1 of t ?J $0.00 (-Jan. 27 -- /MasrreCaAPlaumlmAanum - - ?\._ •2007 5178-0572-W1t-3791;•-. You.A C@Ad ntASE arar uap n.i uoum lnfpmalwn 16 DEC PAYME"'_?-_ 'uaurt TOTAL CREDIT LINE 7 CRREDITLIN RORTCREDIT ? DD = 27 NOV 52,987, 91_ IWE AVAILABLE _ OR CASH 1.110 4 29 NOV ? GRCU77Cf7Y COM A"RljRGPA 990 .00 7 -if 197 - v ME 04211843 MOUNT / m're Chs.gy « r+ce ! r m4orbM 6 .59 Nov 02 DEC PU"jAg, CHECXPOPPy MT NOLlY SNO PA PCS PA $ WINO ntn P Indic rmari y m d b tc 8rD/ • ..-11 9 02 DE XN7SELyS pF STRAIT 215.33 2p m = 63704 Wanks $000 OA529774p j m CNAR to Il D PETSMART ?00005g -G?ISLE PA St15760 50.00 005545y? $0.00 XMAR7 ANNUAL PERC PA A 52527.09 EN7'AC 20.24% 00042754 "WRA "4URlG -_- E Ra ?Plim m Eh,, ?- s 73 $1975 T. ?, yerance 1.800-903-.1 SmdP+3mL+u X'. Rehuma -___ ato to 'PO a loll 4 'M- -d: to Capibi One sank ,,; P.O. Boc 70884 ,' ChMM" NC 28272.0811 e sma ?lylnea m. v C?iVI Onc L P.O. Rua 30285 C S h l.akc Ci7. UT84130-0285 I 56 sos a ? ra asiu7 'tea xi I PLEASE RETURN pORTION BELOW WITH FAYktEN7 xdura.n yo,,, w.k,ar - O SL7B0572642 Now Balance 13791 27 0000002987910000003 ?- - _-_ Minimum Payrnent Due bate Account $O.00 lr--?.-? J? 27 r5178.p57I441 1.379, J PL' _ lT? _2007 I o<Phone number c19es below usm9 blue Amount Enclosed ??-??-R-v-T or black ink. P-03 B? O88?k 820362141 80244)2W ' d041L oXac'loc{?, yc 222]1-0084 --00270 26 >r w1¢01p 1D "Omar. 7795244 '=k72oaa4$47' ?, 1 n?eB, 2A 17065-1301 PL-write yOOf account number Your ctreck or '"y ?"er made Pa"b#e m Capital One Bank and mail with this coupon in Ole enclosed e nvelOPe. SHOP AND COMPARE and you could save $500 or mores off your auto insurance premiums. insurance CALL 1.877.886.9111 sAvE Eym nwRe or visit www.capltalone.com/insurance UP TO 15% WHEN YOU COMBINE Answer to see how much you can save. YOUR AUTO AND HOMEOWNERS. center There's no obligation and no pressure to buy ' Sarx •,.ww.sn3Hma*,rycaN?amsrer.:rrJadm?smry=aaa>sluarce. 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T Uebo Ae AS .LYp.rar«acauemrrwabersedb mr.r.diou Mai any 4 nowt p•'nart uamadona BILLING RIGHTS SUMMARY (1,, Case of Bice, or Miamians akxx4 Your Sal H yes ¦drr You al's amp. «H yes read more W«nbeon on e bwa daror bit edla to te en...P-ahead n amr a. tio." al"ad*-I« kmai les slope ra se odd the annew en. We neat Mar burn you yon her dha. BO days alts w red sea ee del bFae Wdpr Hr err««poarn atrbad 1'eu pisW P- you, yore title,. -oerrR b lonerbr, ben swbaw:sm Y-ou Idles 9*- u ee Wer WA-anafte, civeneueard aemud mrw, W. wede amour of ib of auapeded cuss, dn«i you bananas a M sad sad an y Ma, dwhy yes leisen nwm'•atl enibaahW -ol4d l ors Y n yes retaddo•.nutlas. s, b se Pa IeY y a YnM yes too spews abor. tea no ra (rise any r7 arrows b rtueabn rdW =bn'..Hpabt 1 bit yn are all otallaw. pay M Para d yes bil Mr are not In qunbe 1Nteewe ImeatNa yea grsalba, wornat report you as d.iqued «tse rrY ctsn bmbol awanaa.a yn gueraon b. T Spot hies w c..aa Cara Ptaaaas . you sets a PMMM Mai to aFMy d pro,-Y «i-caa set you pu hosed Wh a canal tae ra Yap have end b good tad, b c~ the fiWaswM lw aurdranL You my have the Otis rot.pryar. ranrM * anowdpis a er p.*" or senses ? hine ??[1M only Wr.w der Poet-Pace orsrave Paden yon each to your horn avea rrudw lopa ftsof va, mop w*- (ft woaw or o e- oe radrd, or if-eased yaeMe.ar.ns.ne.H b Hw prwxy or saWOS,.4 pu ch-an oovsad rsprdbb of moat «bosen of POUNIGal pleas --b. to Opt A mwwbpaawro< t Goon ft-bm»ramrmec adluaf riasrwaa b Dow.o1 rmy b hltYiea nawaeadi radaomudf Caper am mopods mho madm umacy laolecun: sae our weWb a wotOpi?pspa, Gpkil OSe s • fedaaly reoWxad aauo rank of Capes (tow F,wvr C«psatiaw. M Anne rennet a 2noe Capita o e 01908008-4 -05MIM Important Nnagt w Is you mail to us will be credited to your account a. of the business a receive it pwdd (1) you -A lye boucan portion of this statement and your cheek m the eTeksed sesmlarece euvdape sal (2 1we paysaett is reconcid o Der paeumg cwa by 7 P ta, ET (12 noon PT). Please allow at lead [ve (5) 6mtnna mya for poaul dehecy w reent-d by tae a any other loation w {n ray odw fagot be «edded ns of the day we receive lent per business m are hFond y throu6h Samsmy. escladmg holidays Plow do not use staples. Plea clam?ss,. ar. When pssganns ysntr pymenL When yen Provide a check as payment, yes, wtAenae us either to use mfe a we C in forytss check a Isrke a Delphos can clac fad hanafsr 6ml year enonent or b psaxsa the payment as b check Irawction day ? we we u recesieve your rm paytwnmefd, rom and your chill to stake an M1md tramRr. funds shay be wiRslawn ftoan your account as same n the same you will sax nserve your our check back from your financial inathudnsL 7795244 JENNIFER L WRIGHT • - Financial Genius - • Opening a Capital One' High Yield Money Market Account shoves just hove smart you are. 5A0% Start saving smarter! ca taj _ P? vrte __ Annual Percentage Visit us at www.capitalonedirect-coin ?/RECT ea?king? Yield (APY)* Please use Offer Code D4SWTNKUF FINANCE Pre-s Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment om Date \ $0.00 - $0.00 J $0.00 - +( $2,400.00 1 $2,400.00 $72.00 J ? May. 27, 2007 Mar. 28, 2007- Apr. 27, 2007 Page 1 of 1 lIfAY PAY AT MAST 1MS AMpNI / PaymenK Credits & Adtusmtertts MwterCard Platinum Account 5178-0572-6411-3791 Trartsacfians Your A-. Information 1 28 MAR PURCHASE CHECK 1 2195 08393828 $2,40000 TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $&OO.DO CREDIT LINE FOR CASH $990.00 AVAILABLE CREDIT FOR CASH $ 600.00 Finance Charges (Please see reverse for important trilb a 1i1 ) Balance rate Perrodtc CorrespondmgFINANC apphed to rate APR CHARG Purchases $000 0.05247%8 1915% 50.00 Cash $000 0.05545%8 2024% $0.00 ANNUAL PERCENTAGE RATE applied this period: 0.00%y ® At Your Service 1-800-903-3637 To call Cusiomer Relations or to report a lost or stolen card: ® Send payments to Capital One Bank 1.1 P.O. Box 70884 t i Charlotte, NC 28272-0884 Scod inquiries to. Capital One U P.O. Box 30285 Cl Sak Lake City, UT 84 13 0-028 5 6056 Sa6 1 ] ]] 0]aaa] 9r1e1 1 - 3 .-6x56 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178057264113791 27 2400002987910072008 capffa cw I whir: m war -11.7- New Balance Minimum Payment Due Date $2,400.00 $72.00 `May-27.2007 PLEASE PAY A THI S A MOU NTTLEAST Amount Enclosed -,? C-Pat.1 Ono 8nok P.O. Box 70884 741470 Ch-lot-, NC 28272-0884 779524r'"m847n Account Number5178-0572-64113791 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mad address a #9011916180244722# wt1L ID MNUM 7IIIN' XICR L t4RIGRY 26 N N1LTXHO9i AvR MOUNT HOLLY SPRINGS, PA 11065 0170650 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. Make the smart choice Visit us at www.capitalonedirect.com or call 1-800-533-5212 Monday to Friday 8 a.m_-8 p.m.; Saturday 8 a.m. 2 p.m. Er Please use Offer Code D4SWTNKDF RATES AMONG THE BEST IN THE COUNTRY • EASY ONLINE TRANSFERS TO AND FROM EXISTING ACCOUNTSO • FREE OiECIS AND ATM CARDS • NO FEES, NO AUNIMUM BPtANCE - FDIC INSURANCE ` APY m elfect - of 2(26/07. Minimum deposit required to open the account is S7. No minimum balance required. Terms and mn61- of this offer may change if any time Rates are variable and may change at any time after account opening. This product is offered by Capital One. F i d. and Capital One Bank, members FDIC Wnhdrawal limits apply cJ 2007 Capital One Services. Inc Capital One is a federally registered se-ce mark. All rights reserved MEMBER FDIC Capital Otte Bank cap" one, F.S.B. 1. HourbA aFlwoc•Charg•. I .. 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N.kies AOeot Ebeb.nk Cs•ci C _slon wli•n YW P1.1-6. s abd es pry,nsd, Yoo issr-l e v .err b us, id d. Irv,. you rMdi m on.-bee ekrboac find ini terr'«fiam Yw WW ? int t or w b prams W nrmition .s. drdt Rarrarbun ie i 1-W k bon You ch.rA in mite Y de -k rind nrti.r, bas 1-Y W wmdnwn non you Wm aaoWU x > ar an.ie ..y b. r•reiw Your Wymwn. «d yvu wn rid oscine ro« ardi toad («m your raw,®l bwltiaor. BILIHG RIGHTS SU- {b Caw 1Ea«.«W>br A- YOU Ra) n Y•ri d:w ywa bik is wing, «s yW nend rive idnnaoon on a swrsd«i « W. •nile b m Pn • d.pww show- soon s pOSahl. at IM 111 br bwm.d.h- on n. govt of rib wwwe. W. rnW her from yW ro bbr d- MnsYt alter we writ yW ns ont W on wild dr srr« «opdsrn apWwsn YW mn Ter au Ci R.Herbrn renbs, bul dong a wis riot P.- Y ..21" In you W.. o- us nr baoebig idarn isan YPU wee ann erewex n,i nre ms.r am«.a of rim wap>tW nmr,. deardpbn of Hie - i d an ..",isbc r poWbls. dwM SW bad... nwe is an snr; «n .-bout You m idurrre ig nn h s. 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O Moo C.Oa Cn. or RGeoSn - 6 - IN21.ns Imponsrit Notlgmalts you troll a u will be craftted b your lrixOlmt n of the basim"' we Teter,, it, provided ((I) you ensd the bottom paooo orthis sfatatrent end ydrc check m doe enclosed temilhnee ?ttc end (2 ymer p ywNat tS recnved In our pro?ul? CCO$" by 3 p.m. ET (12 noon P7'). Pkase a1baY at lenrt 5ve (S) bu?ent days for poWl delivery. rxeived by w at airy otter location or m NY oc er ?t screamed as of are day w e r - than. Our bremess days are Mondry through Sanudry, excbdmL holidays. e.m do Ales, paper clips, ek hen prepamig your payment 7795244 JENNIFER L WRIGIiT • - Financial Genius - • Opening a Capital One® High Yield Money Market Account shows just how smart you are. 5-00% Start saving smarter! 1[',apitai0 m, Annual Percentage Visit us at www.capitalonedirL-ct.com ?jIRECT Banking" Yield (APY)* Please use offer Code D6MiR11SB nNANCE Pre- Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date C $2,400.00 -? $72.00 + $39.16 J J $0.00 =\ $2,367.16 ( $71.00 CJun.27, 0 1 11 Apr. 28, 2007- May. 28, 2007 Page 1 of 1 v?x? w at t2.ssr rws As+ounr Payments, Credits & Adtushnents 51Ma78st-erCar0572d-644Plan- 1111--379 91 Account 1 24 MAY PAYMENT S7200- Your Account Infornanon TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT 32.84 CREDIT LINE FOR CASH 990.00 AVAILABLE CREDIT FOR CASH 632.84 11 Freantt Charges (Please see reverse for important mfonrano ) Balancc rate Periodic CormaponchnTNANC applied to rato APR HARG Purchases $2,40736 005247)8 1915% $3916 Cash SOOO 005545%P 20.24% 50.00 ANNUAL PERCENTAGE RATE applied this period, 19.15, ® AI Your Sa icc 1-800.903-3 63 7 To call Customer Relations or to repod a lost or stolen card' ® Send paynxnts io Cap-seal One Bank C P.O. Box 70884 C Charlene, NC 28272.0884 Sad utti-iea to. Capital One i7 P.O. Box 30285 ? Salt lake City, UT 84130-0285 6056 506 1 7 21 070626 PALO 2 0r 3 -6016 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178057264113791 27 2367160072000071002 CapftallQrl I what's in your walktY New Balance Minimum Payment Due Date C $2,367.16 71.00 l Ju=.27,2007 PLFAS AMOUNTLEAST Amount Enclosed ???dd Capatal one Hoak ;-34178x1 P.O. ft- 70104 CMa:lott., HC 28272-0884 7795244282720894947C Account Number517"572-6411-3791 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mad address Q #9014916180244727# u31IL ID HOMER J10017 FUR L 11111MO P 26 N RAL2n601R IVs ra00Nt DOLLY SpuXuas, PA 11065 I:if 70650 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. Make the smart choice. Visit us at www.capitalonedirect.com or call 1-866-373-2764 Monday to Friday 8 a.m.-8 p.m.; Saturday 8 a.m. 2 p.m. Er Please use Offer Code EwT imisB RATES AMONG THE BEST IN THE COUNTRY -EASY ONDNE TRANSFERS TO AND FROM EXISTING ACCOUNTSO • FREE CHECKS AND ATM CARGO • NO FEES, NO MINMAUM BALANCE • -DK lWA4NCE ' APY in effect as of 3/29107. Minimum deposit required to open the account is SI. No minimum balance required. Terms and conditions of this offer may change at any ume. Rates are variable and may change at any time after account opening This product is offered by Capital One Bank. member r0<. 0 Withdraoval limits apply 0 2007 Capital One Services, Inc Capital One is a federally registered service mark. AN rights reserved MEMBER FDIC Capital One Bank I Hee b Arad a Fle.ewa Chap.. Ta,f tided. You YAil have a nwinuin gum parker d 25 dap eltleaA Inaba dnaae a new purchases.. hill.- t.ieeaa, rep apedai piYdmsu and now purer Na d.Yyoipayeowblr,Newerwae•.N i .porbwa eitla M tiaortbil N.S. Hdrpayrriaab below. desbtd hbbW byyes nwaai% Y dae.g 'aid des There k -psa prlod w aan and .ewma aPeda Yrdns.Naddebn. mererrasa Period pa prey weadien Y nee m ere wv ?• rani,chew br.nos abisd b • grit. padod s. a.e.sed beano dace tl son Mires all irraw.fww 2)aea M blend .We" ay pmuaad Ne iswaibl big ilejI p.Y AAailddleerlity- aid - Pay adge nhiaei e. e m ins, s preMnia erho o ai e d Ikee- dnigair erms le aaaw . I Pained b n0. W M Uri ip" beldam k pre in kill This ivned " ll )_y Will hvrh har - m dwaa, .wn ¦ reu pay desyoumay pay Mer by NSweaWr iM'raaaweMkea o atalwwd be M ion aaaepe d iievie dap. ba Ad Ad ml de so for M piaWrr morn. tbPUe fnao deapr an sped b M sppbabk aalpied d yew Aui-ii T c. hankprrne Faahrwtleaq.. 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V/a see gMeailbYOn each mown laadw r M lrr psihdc Irraee.iaa w yea.em.a rage Meer' yHwalda ra me..aernd Yoa.rmak H tike Me.HAkibaYrd bode eeaerdaerne Ydd kt.Aesa.prawMprvwrs Yewphoel eraaypdiode fnerpdiaipa d /. braeaw datbVrdlM Yneiesilhttlane aapmk. perstlNatlaaeayan an.f ekielkelo bare saa.ed The aiwi r M shpar.l.iisrychHao w a.di s.p.wdyes yaap we .. ibided ww. tl youodd w M W r y your ra r..e w We- -L k nee peierhe .1 a vane - i.le wd4 w ro ..eI iae, -h.* pawl he y M sheadnMwepevlpaNb..eern.b anew plan b y PMaeoa MalIs.4era. "a*- dire bhldra b by eddy All M d.ryhab.red ekFiki Ma al M. iew es a Me Mrasnd bafy cycle. To o atiiaP. bbl fine ee .. dkwa. r.iYpy yue evenpa da/y baldc. by M drle prriedc raw aril by the isainbs d drysm Mbibp pnbe Die bnaidr g w a daily bas's m duv b Pirimaw llmrco charge ahesare.d, die cosy be, ialai belaaa? diia cak A.diin end M amid a bwra daps arW.*v)acted 3. Ann"lear-Mali Rns. IAIR). a The ben-Arrival Psd.rdags Ra iney epee., s •APR• ondie lips d di. swede b tlM erne P(Qw1Mr Purr} L l0wM1y i180R1.C (Oil. CD),pS(e. W per weirs)appwe M w a Pall Pewft -4.), raemnpallUAL PERCENTAGE u! ee lobe a+w carhsppeba9 ANNUAL PA PATETES .ry wyQadeask.yw >devawo k Msires.idiew.a:bund b Tie lvW 9l eeadv" ka. a M margki Psi ft 6Idrtdwd b bail. T eilW WI bea1P_se wtle n dermal elyaps Wlrgpasmdjowga-d/ yea Isiear.Inpk M enrolldJwhwa Apµ.b i']uebs c NM .o& deD O Qapediy Painwl. F (Mandy 000ft), p G (Tea le th M P ..6appaitw p bpi d rap barhil w b srbde ravel. RC PNTAG all oorrpondrb ANNUAL PERCENTAGE RATES envy wy -*Jyeed mey.rr.s a deaaw bnW w M aW W India., a. bow b TIn via siraa.barer. pka M ma91n ee ely rkadaa l is tau They Naga sill be stlOra w M fro dry dyer ban, pao0each even. 4. Aa..asa ad d tali, Owfe.k .eW Raben.d Pgnisd FN. U.dar use lame a your aetaer ynaereMI we revere trig. b wire p M b aaacu..y nee. eiaeoa prbrratlf ai'aibpaWhdawliipeurM1dibuwasM p saklalern. Wwlkr. a.Wrw vp. iaanraL u. wma,enp ui. aey..n t5.% w M /in d Yeaalehe'rd )her h.ia 30daysbm M der. a skinnedeve meld kiwi bewesp.yYgM le apeseal esebtawwNd e W par oeddad raver pew iiee yeYioia haviea b tle enwe e b mbelp -el eeoii )ort -K you -al d dry r err [awes Relation, Dep.r0.rd Me eatkgy yos'New the -4 of b d (a"y pd. ie iae asseaerrYP be)Prbx the to inn de dilya. period 8.YYoe Club yang Aewael Yes ranragkl.abdos. bar .cmrN bYalki9 err faabms Rsbkpn Mpannienk You corn l M poe yap sew and iaaw¦ "nova aides ,/nor prewY .di b&V ig oaaa uay yaY di, aceiient Arlo yea raeuer bdm..it pu kankeiab taped e, m p rol c-al peaaiakp0ebay irrar5wie^b, w wit aoeeitl. rr eeaiy d a Naas bur ralipb+don b cep ye. aroonail spa. u Aeheiieiaes iiX )err areaae Alai be ddad ^flyeuPeeY.w Yeu ewe is d b i-all reaeli yes m nisi neilped.ale.ergs, err due lea. onrerknil her ,. rrurlneymed lean, a.A advice /ees.nd any ollr edlao ahanfee b bow acapard Yap an reapon.-0ie w Unw awns rielw Ileeyacriear rn ype smowipday 444.4a ra b lire amp you neweab dew he sebKameda eearaiyearepieA b da.eMa a bop h 1ery riariiait b.ieyoure®iem ak. Paw reprr.E M.mpaa b bs d0osed. T Uabg Year A- Ykir uid p armed-be vied in railMtlion Wm am IdernM a.nbhig tnnMCb- a Nolte AbellF gheic Check COnrailan. YYhsn Mu Perin. a Neck a• paymol. you au eedea m e NS to uw inbrmalipn hen rdrd LbnWe sax-time ehdreik hied herds hen year bank acosurd or b prorate thewpnedaa.dewkcheradbn vireneeua nbem.Yee Ion yea Nark b nab an awwN kind roslp, hews may W eehdawn hum bow W. arcopn ere ere M came day w. rodve yea psynwii, and>eu we rol noeiro your Nadi bad rim ya r &-ai InsiWeon 8l1i146 RIGHTS SLI.- (bCardErosisW pee abpw Yea Bni yeu coal year big is wmq. p Y you reed river Idrvma,Me w . ea O0 abbl. sepereas SeNoSepi as Nii YM pueelilie, kaani eSsitter thM koal dme B4t V% ever hear ieu r kbr tlen der pdamw .em pu Mf w Wick Mserea eda dew. 9 can You rep eu Gudpe oitres R.I.- nmiber ki. d ddnp o iwil red wesaw Y_ MW M year head. 9.n W M lell-V inbrmeePl. lore rome and arrawd rd.nber, the dol. an- d the eaepaetl errp. a dewipilw d M era ate o .apWrew, M eeabh..1 Wry bpi bebia ft. k o ins:. Y you need mere wlwrnipe, a dhsopikn of M Yen you are paps acwl Vpp m- hive b pay a.y anowl n paeebn -6. ws an kwese9ari9 k, bA Yea are era oblyl.ad b pay tie wro of yore bt1 ow are rv b Renesdon. Nedh w keawgre yak Creeue4 vie ranihi capon you y debgeenl. hike eery actin bmllu at e eeei you -hae I. t Spoael R Rub to C Creel Cad P1Nwea Y You Paver a pibWn W. M pWfydpapaty p senoicas that yes wahaaaNi cardall you hawukdnpool Rah b,mad 0. M pachm vah ft s mwrliad the pay Mw M rye we ihwY M ip amopa due- M rty- aer.lwe. Yw Ww aeta only viehei Mar. y- plea was more Noe550 0 ae - yawmaee b yva bare Bona vie. toonr - iii! dy _ea il _ amiss.. rw wi aapeole Mee Ytea maid id you M adwms.rW fe, M W.t. ypuNeerowed regaefl d -1 1 , re s Io.Suden n a pachaw ) ple Please -6. b .10 sIT NI ca'e..paredana (Does er.edr b awv.nr nnnasdY ardeuauds t Dm.roeapdyrok" our .0adaomwis Cap" one enPPerk idomWiw pdvecy ededion: see ow rabrb a l?.tfi tfaa Caper One is a I.dsrary nagwbim eaMra man of Capes ere Firandr Cpppsion AN igas ressvee 02006 Gpkr 0e m eC6056.8-y2MA6 Irtyodall Nabpnaib yon mail b us., l be oodited to bar accent as of the busirrsc der we reemre it. provided (i) you srnd dre 6olldrl pveon of 166 9alemenl Yd wyooouf check a (tie CnCln50d rClnHhntx em?lope iron (2 yoarp.ymenl is aoceyv our goe?aag txaler by 3 oak EY (]2 ildea Pre. Meese aibw at Icsul five (5) LYlainesa days for posgl dd very .ynaibts remred by us m any al6v l-lewp or in any othv b poll be c diced i s of the day vvc reixive them. Our Willi sT days are Monday through Saturday, exefud ng hohdays. Pl_ do era use stapks, paper clips. ctc. when preparing your payment 7795244 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 capitaione.com for a complete list of services and to manage your account online. 4„ajNfa/()W- I what's in your wapet7 FINANCE Prevwus Balance Payments St Credits l CHARGE Tnnsacfions New Balance Mmtmum Payment Due Date C $2,367.16 - $71.00 J $51.61+I $585.00 $2,432.77 --$87.00 Jul. 30, 2007 May. 29,2007- Jul. 05, 2007 Page 1 of 1 3 ntASE MY AT 16AR laR AMQAII - IMPORTANT INFORMATION ABOUT YOUR GRACE PERIOD' If you pay your balance in full way month by MasterCard Platinum Account your due dato, you will enjoy an rMCrest-free grace period .125 days on new purchases. Paying by your due 5178-0572-6411-3791 date also belps you awed Use fees. Please see the back of your statement for more details and thank you for your Inertness Account InfomtatioInertness TOTAL CREDIT LINE $3000.00 TOTAL AVAILABLE CREDIT $67.23 CREDIT LINE FOR CASH $990.00 AVAILABLE CREDIT FOR CASH $67.23 Finance Charges (Please see reverse for rmporunt informer[ BaUnce rate Periodic CorscspgndmgFINANC applied to rate APR CHARG Purchases S2,S8827 0.05247YaP 19.15Ho SSl.bl Cash 50 00 0.05545W 20.24% 50.00 ANNUAL PERCENTAGE RATE appliod this period. 19 15 ® At Your Service 1-800.903-3637 To call Custartwr Relations or to report a lost or stolen card Payments. Credos B Adiusrmenis _ 1 ISJUN PAYMENT S7100- 21 JUN PURCHASE CHECK 1 223810301343 ® Scud paymcou to. Capital one Bank P.O. Box 70884 i Charlotte. NC 28272.0884 A Send i quuies to, Capital One ft P O Be. 30285 V Salt Lake City, UT 84130-0285 00 6as6 sec or s .,a,- LASS a o[ z -6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ON LINE 0 5178057264113791 05 2932770071000087007 Capi/a1Qry? C wl,arrinyomrrra9atr Account Number517"572-6411-3791 New Balance Minimum Payment Due Date C_- 52,932.77 $87.00 JuL 30, 2007 PLTFAHISEAMOUNT EAST Amount Enclosed Capital 0- Hook P-0. a- 70984 C421 1,1 Chaa'lettia, NC 28272-0984 779524$'2720994947# Please print address or phone number changes below using blue or black ink. Address Home Phone AMemate Phone E-mail address Q #9010816190244725# 1O62L ID NUNWR JMWTJ 6 L WRIGNT 26 N SALTIM30 AV8 MOUNT HOLLY SPRINGS, PA 1704S-1301 01706513012680 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Whether its braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone.com to learn more! Capital One Bank, Capital One, N.A. Members FDIC. I Nw r Arvid a Pirraa Grtr to . Wan Pried. Wo vin 1rw • r,nb,imnrp,a[a period d 25 d.ya wtlbd Gne-che .onnevipwdasee,new brans-latmet.w Pliewpch-Dad,aa- do,llaa N you pry Your WMI'1/eb am-a', In ecnei wibbaaWrb,t Moyntopaywrrib below, all in line IN it b be MdW by yrr PaNnaM bbdre There-gi aoeprrmcashadwmr and agar brstra b ada l- Mail manses parbd on any baraacton N You Oor,r paY Mrlcbl Tiaw bawd' b. Aeefndr, to . inea Change. Tr--sear aNdn to a ee, relax pace pried as aaaatrd fnabn daa,P 11 iamac aeb drier Yraaai arseer or Oar sea *,ba ftaa,vab es y A®rrp or 7)bn a dend.ndarday.f ddmbiiglarm MefabaytF rye dare pgll Or Brr,m'beTMperbes pentad b Br, anabae d-9. oarnnw to sees. to Y yon unpsi0 EaWba ur,r err loin. brarsb pab W N. Tlu- aa dWyou TayalsareINrNadwfaC -a even Fyn ny M wwBelw dYaw lit balkamed dl da ow la - m ar M not do love But an thel by pm Mar Ut a doe - n a, lac the s m ell, b mAal.,aas ar eeeed to Nin appiubb- ssW 1AiaaredyorAemleN jc ANnirrawa FbsoChange. . 6 Fa e'er bt49 period a,r year ea CMbb dwn,bri FINAJXE ANCE CHARGE d rMM 70.110 u#Ab. W iegaWWtd t' Temporary RNUrlar In 1,le? Corp. we reserve M ripMm not visas any y a .0 r M1 an,a,ro prrgei for any 9law^ b" Pa nod 2 Awaaa Brit 8a1a,1pa lbwNNa,la N.b Faflrvrt. FdiaWsTpmk t obaaWbynatlai11. dry basrwJ pe layawaa gNbu. sos., dtgy pean, and Ws)* "New alb -l M -hately fiagd.idNarry rW(r ha aN been, po,,h4dat byap at that stall rrea bdrdyr d,a bi,i panic, uu a-ay ab datypwlodie rats sac -,h each aepnmd apcowe b ar diy p,0od. dsadr xprbrt Thee ourW wdalwa hall, addupnu reu4t of 0- dry nlpbbn W pair, r,iwr w yawlues k ior .0 UP ine an ewe a noe . the total via f e0tlnrpnro a¦tbb1 P -ft F lop daes. tar yeses a®rwd To a. ndhaaera daa/ba1NNe a b rasraapaent of re ynr.amrnL via Inaba bapbuiq bawve he seer a"- and ell 1,1yw Mad'o,aaN arypriodc Maas arpoamdrrn bepMensby? babro W br beprsnL ymerrald eaCappaymseaaon` par40 ea of ssr day braaabwm0 bar aapneaL The ens us bsapa ate dally, burs for err-Woutdyou aaewd Honata, tl lea pad bit tmw Balanea ales, r Yew psrMSablrrNM is Waptlyewwbtrb. wr a seeds aaewal, w b+,sadnrR sYl,itlr aaab you pa'tlven War P"d,rarpMr-ranoysdrlad by'6alrNas Wa raiwap b.l.b-noa by a debit r M dry Badavimb 4oa mash .4 dlNdna W arses MNrt nu,rr dY dryablM oarM bali,p cYda. TOObib yew Irdir,arlr dupe, triply Wow av«aq drY bani„os q ar daily Pr,idk rw all q tlwnune»nddrysb pado0.Mbeun6yana dally W W r duo bnii-nwM1wx dn,9a acsowaer. Nax „raY b a w rew haN ?a lie fnlplarbn W M amaw d RaeaatAp ft a The axeaasd. 1. PreeraWa Naha tAMI). a. r Prceraae RaW nay ap»a - 'itr -& oePthlbeaemd naws-nt, mem 6 Nw coda PI (8P,inblL ul.C IW,dry CUL or a S 5 (BarN,Ud Rime)) appa appere - an du tree as arrrrnm btha prbdPERCEN CENTACre d a,dfo'reiaa„dbr9 ANNIAaI GE E RATES tsy wry aaskry, a, aa l Tryi The abe SMa1 r Jrabak w rrrwdeea. l iotndb leet pre the Irrrpil Ny endure 30b you Thitar changes theen W M Ee etleaae on n the sr day of tna phe d j-/ yla, anar an yv . "yly.M0deb r rdbg in b a» meets line d.ba " c N line ob O py Pnrnel, an F (MpWSf UBIXi). a o (Treaty 1.180R), aY,s haA of yew btakw ve to or pafbde era -01 an the k err and .. mwupa ANN" PERCENTAGE RATES t va he ry srr.e mm lmy .am , weer or dean. h rw m w nrrna,r IowabudbT4 SbeelThJo-rak Pate e- -vlea migb pnabualy Oidoaao ar b yae. These dsrpes via he 1 n terLab, roar daOywtl aide paean aedn tomb. . aa.tliw rd d 1MA yesusl mane Pq Fearr aa. U,der ins r IMne of your aWa,ra e . - yr IsarW ale to wales p net b afaefe any ty l teea daG,s s r+hl,an pdprvacaaalbyd! WhbulwrWiourrldtbatieitiha sinirlemr• Wadn,e t S.RmrbYes Acmwt Msou k- 1oy yeicn ne, 0 on tlr fonlr d Year ab W a»„1. you Ba„e dys x e» fee 1i rra,n,e,N taemaidb Y"""'7' w Pw.Q fee wblunt aatr dr W it+s byo N .1 of p1- yra semae wiruul I,aaiy 1. b PaY tl mra,brry lot. To ????xYou nbq rycalleg - Sakes w wires s,11 end pay yow'Naw Babrloa' b As (adWkV ty the w»,aber-liplee) pea to Nw.rb d be aanrdar prod fiNYn Cbyc by Ycall" otv C You forahnanlbposeiYw acmre.,» ooen,Ba You destroy natal ye ap sable.n wk n acooaeaasa d'lo. -al r l nandeA fad{ Nad oral pea of Mica rsd M ow uawi Yea aae,ww. w yaw M1a- ra1 W W aecl 1,,11 yes aMe rn 6r»acl r rip TN f?torimd Bootr - ri t ep fJdrfMil apdedWpapa haviam (Yabkeapyaf - lapr aa, ynrSoDaAK aaeweviind be doer anal set WarPsYr amemesasyouoweflW Chae,t. taanaWpneyr trace audbrWd,M1aa pin An taaa Iow any lab f- aadWM^ne (a br -oa a , Jar Marwe br erne al Ml MsrasedbyouraooueL You re rrpors e, " anaamft wbdr they en Yaw 4 a b anra yrr NN resort to dose "a» topes- o Fawy ano r bvwnad r,baaeee,N b yra,egral bc1P.e»e®ae. 7Nimayrrurb ewer appeea,p eyes ramuT dIr vn Lava reauaared Y,e a®ra,l b be dofrG. T Ur,gY AecwaLYwmnloracrauNmnnrb-u ,n vin 2ol MhanY lnlnnl Wn'Mi,9 Nrwclnw. d Na11ca About EW Voak Chest C-. a wlmyn p isle a shack r pgwutl. you auewrho me aiM. 1. w tdowrrslbn lam yaw py y to Tab n m,Wnna ol-ko ehadeaNbbmyow bent, asmu,Yorm perm du 1mY„Iara x•eMd Yar,saplon. Wl,mwur iN,m,Nbakern War, bmakemtn,. Bud bsnsbr, tulle nurY IN, rltl yfronn -Y-our bnW aua,a, x a M stir day by * --iv. youpeyn and n Y ri not recais Yrud»dr back k for Yea rr»r,aof al Iasleulion 81LLN1G NIGHTS SUMMARY (M Car of Ease a Gaeras aban Yew Bit) Nyrdnrr your bill le eft or 0 p, rocs eve Wonrlbn on a rnNwol a DS. vile b,r an • ah o fher oa Saar r paesala At % - he Ira for swmlou no sow-n on w(rattl Ufa sbkwnre. naY ar,1 you ilsr 0- 60 days h. anw w taxyn daa i,tl bite Wid,Y,eera add appa Yn fJnWo, anaW ra. 9- . .Baddoagnwr nd TrJnra Yo„n odes M yand- le ma. . b the 6.4-9 'na your same and -at nu,nEer, the WMr a ar Wee an»v,l ea, I P-,16d..aywm of the error sad an e a anal inlonn.dwhy Youbstsw NessIb anmar.aN you u n eed AYouot hdes an of ill ben you ar .new aeprll car do at ha new to M ay any amens ? earner bnss??py?W-?? ad pa,b a fill that an nob pain YNeb w braaiig- an yoawgh-li vin..-ni palyn rde-,q,s,M ar lake ke any tire s IlitCnw* .1 prefers. pot r. T Sphear Rut, la Cndr CaN Pad- yn bean aprabWn wbh pr qualky of peperryaearriob Nett he a t,a. y1ingood Net, ynpwdrred nb •aer n ov r nf nd pet phi W .paylh Y1panes" aet pntpo y on N --Ac. none,11 11. ays ndbpay e tenrnWg onylee d-er - n the pop--Ac. You Ma dNr paliabn rtyrerr, M purrTer p,KJ wait mae a d»n SIM sr rMa Ypes nd wa,aheetasw. (bN yawt»ma o,urre ,he rrwW d,d w N y ws Taiad sad You the adwM i vine a tl» M asnrar Gv a» mnotea or loraaaavkedbn of ppuwNa- ) 1 Plena renumber to dpr, Pan norm-b. to .d emarN r v.rrpa,dnbn t Vona-.PP11 beraserro 1-V-F ecoWs j Outs rorappy b bet-.rite- nmcauY card aanalf- Capital One rrpeb,roTUbon P.-Y P,-t1nn sw aw wmb-raw calfmfo_agoy cap" on is a todwry aa4twM -v nr,kd capes Or Firnaal C.rparadon At reels n-od 0 20a Cadbl one olomilm- 1- "10U7 hllprhot HobpmaNS yp mad b u- w1116e LYednmd b yon accourM a- of the bnMreR da ervad y we receive i4 provded (I) you and the boWm porn of the statement and your chwk in the endowd rem 1h- Tope sad (2) jpr payrnab r rte In uur proms g censer by ] p.m Ff (12 trop PT) Pkase s at least five (5) business days for pmosW ddnery Payments received by m M any other locatnn or m rs)ot be credNed as of The day Y receive dean. OIa business day. are Monday thtwgh Study, excluding holidays. pia, paper Chita, de when prcpsring your Payment 7795244 • Capital One Auto Buying. 5007 makes car-buying easier. Because you're already a Capital One' customer, you qualify for special, low, No Hassle pricing ? Low, No Hassle pricing on a huge selection of new and used cars at No negotiating needed pro exclusive partner dealerships near you. Less time at the dealership, a quick buying ? Huge inventory of new process, and a great low price ail add up to our and used vehicles (INOHassl'e No Hassle promise when you buy your next car. FINANCE Prevsous Balance Psymrnts & Crahts CHARGE Tr.nsacnorss New Belanee Minnnam Paymrnt Due Dale 52,932.77 -C$100.00 + $49.22 ($2,881.99 $86.00 (Au=31,2007 _j C Jul. 06, 2007 - Aug. 06, 2007 Page 1 of 1 MA E MY AT Uf t AM"T .a,Card Platinum Account 5178-0572-6411-3791 Your Aa:ount Infomution TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $118.01 CREDIT LINE FOR CASH 990.00 `AVAILABLE CREDIT FOR CASH 118.01 Finance Charges (Pkase sec reverse for smpon" iafotrti t ) Balance w Petiodw Co m9f?t9A applied to to APR CHA Purchases $2,931.70 005247-AP 19.15% 54922 Cash 50.00 005545°/8 20.24% $000 ANNUAL PERCENTAGE RATE applied this penod. 1915- At Your Service 1-800-903-3637 To call Coslomer Rdations or to rcpon a lost or s"m wrd Paytn, Credits & Aditsstments 1 30 JUL PAYMENT 510000. ® Sad paynsenu to Capital One Brisk 0 P.O. Box 70889 I Charlotte, NC 28272-0884 A Sad t Cc to Capital l 0 O- ne P O Box 30285 F Sah take City, UT 84130-0285 -6 sob t V 5 o7w" eAf 1 oe 1 O1vffOSf PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 5178057264113791 05 2881990100000086008 "` I what's in your wa8et>• Account Number5178-0572-64113791 New Balance Minimum Payment Due Date C $2,88199 $86.00 Avg. 31, 2007 PL7HIS AMCI NTLEAST Amount Enclosed Capital Ona Hawk ,_142430 P.O. Hoar 70884 Ch-lett., pC 28272-0884 779524,ifa272oas4a47fl Please print address or phone number changes below using bkle or black ink. Address Nome Phone Alternate Phone E-mail address 0 890219161802447288 NXLL ID NUImLR JLR9I1rDt L witI0Hi 26 Y Rh=XWM C atvu MUWT BOILS 8P MMS, PH 17065-1301 017065130126& 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. I Nor W AwW a FM- Chary.. t.. 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PEab(s), M E RATES wdIft asa aM orra.po.6g AIMlNAL AL PERCENTAGE msY.anyaumbMrollauy wdger.bebdm M shed bi?s,ebwb b Th. TW VW Sbaa brarta, bamaed ftitylifbW bps.TMs.oenyewi Wetteee.amMOlMdry d Yw bi9 psdodvared by AWPriadc Yaerer. rMMg h M rronala d Areary, ApY, .IdyaM Odeb.r c Il M cede D (br.ly Prime4 F I d y- USGR? ettislaw G (T-I-,, LMOR) m pe MvMdYOwerrl nab b M I'M ode PERCENTAGE pTAG b el Ah wie mna.pvl ANNUAL PERCENNTAGE RATES '" Zy m andnay d obedm td he.taa t lic", nww a b 1,, b Ttu TTStoo Jgr? p t mryin w•aaml•ly d"vtlomd Sed b you TMe delyg .I Wtl be aaecawmMMadrydyw Prmd aadr s f Wow arl Rq.aW P --t .. Aa d of Lay Ovw*M md Flea Und he M burrs d yw alaarer atysareM eaMWM WWII-i rtMt to -I. « not my b sales Y bee uY.ou pier rdsiraaon b Yar W 4b wa W t «x rWlt b a W Y me wsaW kea alammm. t S. Rwwrllt YeraAOOMIL ll a emYrdvp M aMaaa mMyrod d yw slsleewrrL yohaae 30days foe M rise iN. sm..rnee+w rwaibd m you m svoie P"vv M lee we hsvs IIdI Ise cIebW to you if Y- ...0 Y., ,xec-1 Ma W'ir'W bpay It. rnb-IV l .. b a.<dyo ae-i, M, ..a rwdya by<abgw CaabmM Ref N- D.p-and wy yar" Babim" M W I•I'd•mq M memo 1-)0.b M rb d M hnypy priori. d.NYpr C by Ypa C V carr.vewslbdose aoaaa M tl W g ow w Cusbrr RNYas Depw.ew. V You mlMe.taey ya.rmall Me urea granol, maulaN pr W big - oV nowt b d yo, d ou ouriea to k -.d ABM Yelar.lga eb, o.ed m do not caKd MWil ."ofA4. b . sOhIb14.rr••P.•eny u wi mrewr e celpl da durp w to iNN p anus y.w open. A Ie -IN ad ddsbr be ad w.Nyo pry.lmom Y- ar aw wad.d.V eg - ? --W Y b.Iee .sve autl I PP -dwy-s., D.a dw lra, ew y reamudpayI to bas. oNaevmYa beano srrY dllr fb. aur.W yew armr4 Yoe reipmPba ter be.aarlrome wINrMMy Mp?myw Magid ors amwea Fory.prI b Iet b d- MIt. «reY ere .Yb.wwa to yew mm.el oe +.®r. 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BILLING RIGHTS SIIM.PAY pn Car d Enma w OubboabmA Yow BR) tl Ym I'*w Yew M b v.wt, «r you .sad more brmn.Mn m epmratlion «bi. writsm wm•. alertasoure poutler T. moles (or agou - h- W 0im Mbore d"dM 1-4 you L VA. eb dt ba hoe you BO drys sears aer. til ft aw1 M mw 406 M w6w. app. You on CU I aw WMwmbac 0. doe bi bwR W 0.w rel Pnr.me Yew IOM. m yo,givew MMAOWq .1 th M .eYaryw roe< -,i -ll ,Mcam ammaN d aupe P Mrw, . o dwhy - Yo"b of d IM .rrpr and at 11 aas.mrim. N ? of wiry you idieve a0.. b m ma: «I yw red neo.a«nmam, • es=uip• d M item you o fora sb t von bnd Waneb pry my mnwtihp ?Www i 0'1' li .4 but Woo ers W ob I In p -abrybs Pansdy al era - vw a0. end q bOus.- del1.aq areaim, Isom you ac 'nquwil w Wk. la4a a.ry Ir S bm.W M arn0 yw eatisn t, . V If T Spea.l Pole for Cro& dl Cre Plad.a.e. 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Finandd Cwporauo. a rtMa res.rv.d a M Caoaa 0na OIOMGM- 1- "IM7 ImpotWR Nobipumb you mad tow wdl be credited to yogi account a of the btsutms day we ranvc q pyovded 1) yoo sad the haton pwleu ofth's stalelneat old your chxk b the encbsed yemltblrt arvddyc aRd (2) y"r pay"MA a retelved m our procesub drnLer by 3 p.m. ET (12 roan P'f). Ploee show u law five (5) busiResa day= for powl del???vppyy yne.d= reoervd by us u ¦ay other location e le say odw hmpot be aedlid a= of the day we R¢tye then. 0- bean ss day. ar< Mwday through S.W.My, <=<.,..g holidays %osc do opt y=0. supks, paper clgx, etc. whin preparing yar Wyeleu- 7795244 Capital Capital One Auto Buying' . makes car-buying easier. Because you're already a Capital One* customer, you quality for special, low, No Hassle pricing Low, No Hassle pricing on a huge selection of new and used cars at dea/ No negotiating needed • • exclusive partner dealerships near you. Less time at the dealership, a quick buying / Huge inventory of new process, and a great low price all add up to our and used vehicles 'No Hassle No Hassle promise when you buy your next car. FINANCE Prevmws Balance Paymenrs & Credits CHARGE Tra sactions New Ral- Minimum Payment l Duc Date C $2,881.99 -E$86.00 $48.33 $2,844.32 $85.00 J ?OCL 02, 2007 Aug. 07, 2007- Sep. 07, 2007 Page 1 of 1 nfBtF PPI AT Itbl T1a5 N.IfNNI MasterCard Platinum Accaun( 5178-0572-6411-3791 Ywr A count Info-aim TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $155.68 CREDIT LINE FOR CASH $990.00 AVAILABLE CREDtf FOR CASH $155.68 Firunce Charges (Pleare see. reverse f important inrtnmat ) Balance me Penodic Correspo.dra*7NA applied to tare APR CHARG Purchases S2,97861 0.0524 1 ,P 19.15% S4933 Cash 5000 0.05545°/7 20.24% 50.00 ANNUAL PERCENTAGE RATE applmcd (his period- 19 15a ® At Ywr Service 1-800-903-3637 To call Cust- Rdala or to report a Iosl m slokn md. Payments. Cmdds & Adiusbn is 1 29 AUG PAYMENT S86W 0 sem payments lo Capital Onc Bank 0 P.O. Boa 70884 O Chad m_ NC 28272-0884 A Send inquiries to. Capiw One J P.O. Box 30285 0 Sak Lkc City, UT 84130-0285 H--9-,w n ab-t a char8e on ywr slalrsarart7 Please refer to the Bilhsg Rights Slurmy an the back of ywr statement m n aev6 1. 1 0] t a`ml 1!lA 1 ct 1 OInKO56 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 5178057264113791 07 2844320086000065003 Cayr>tifa One, I v.,, m yor araBetr New Balance Minimum Payment Due Date $2,844.32 $85.00 TT Od.02,2007 PLFAISEAMOUN7 EAST Amount Enclosed r? Capital Oaa Rank ;]4275r1 P.O. Rose 70984 Chazl•tta, HC 28272-0884 779524XB27"914E470 Account Number5178-0572.6411-3791 Please print address or phone number changes bek3w using blue or black ink. Address Home Phase Alternate Phone E-mail address 0- /9025116180244721; BM1IL ID NUMBER JZMRXr'OB L NRICRS 59 RLOR POM RD NEIWILIi, P} 17241-9531 01724195315930 Please write your account number on your check or money order made payable: to Capital One Bank and mail with tfiis coupon in the enclosed envelope. t Now bAwiraFMmClwp.. t .. Craw pads6 YOU wJ /twanrrrraw. par pNipd d25 day' wirer frea'ra d..'Oe m rte p..dm.s, rrw bre'p •aNl.ra,'IM s0.dr0.rr.I.ee.ss'tl new W.er A•e•pb FY••P•Y Y•••IOW liareebno', b aapprdw'pe riR. k Y"po'IS'r ROYOa IR ptym.nb OUbr.bbb rbWrnOWOy ?af.•)••••• dl.e Ob. Th l.e'.s Y mOtm p.'i.d m cab adwcw .rW ap.dd Va'tfe'a b addRm, brs Y •QO'am ps•bd m r.Y b.'Uac6p'. x soa cored wr M IObi'rlew b.Ae *wfh- Cba'e. 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FINANCE Previous Balance Payments & Crcdits CHARGE T-lunns Ncw Balance Min imum Payment Due Dale - $2,844.32 $44.88 +L$0.00 _(- -? $2,804.20 -, 40 $8 ( J Sep. 08, 2007- Oct. 08, 2007 Page 1 of 1 nra¢ rsv AT klur MM ntaouar 1 ? • Credru & Adrn t / M d Pl C i A strnenls as ar at num ccount er 5178-0572-6411-3791 1 275EP PAYMENT S85.W Your Account infonrahon 70TAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $195.80 CREDIT LINE FOR CASH $990.00 AVAILABLE CREDIT FOR CASH $195.8Q Finance Charges (Please see reverse for itrtpontoo itif-i ) Balancerate Periodic Corrnspottdu*'IN applied to rate APPRR CHAR Pa chat 5 52,83322 0-051IO7P 18.65% 54488 Cash $0 00 0.054081W 19 74% 50.00 ANNUAL PERCENTAGE RATE applied thus penod. 18 65 ® Al Your Service 1-800-903-3637 To call Customer Rektions or 10 report a lost or t k. card. ® Send payments to. Capital One Bank 7 P.O. Boa 70884 ? Charlotte. NC 28272-08&1 e Send inquiries to: Capital One ^_ P.O. Box 30285 =J Sah lake City, UT 84130-0285 ® Have a question about a darg. on your wtemenl? Plenum, refer to da Billing Ri %u Sutmnry on the back or your statement or I— 1a6 1 07 7 071006 av 1 a t Olp,6aaa PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE O 5178057264113791 07 2804200085000084007 "I rAat's in your waBer+" New Balance Minimum Payment Due Date (-$----20 $84.00 -02,2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed I - CGPita1 one Baudl P.O. Mai 70084 7430617 Charlott., WC 28272-0004 779524426272D834547E) Account Number5178-0572-6411-3791 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E mad address a 8902821638024472" HXXL ID ROaMit JAI M L aWGW 59 IaLO. F'OlID RD 87EIIPILLt, PR 17241-9531 ? 172419531 M C, Please write your account number on your check or money order made payable to Capital One Bank and mad with this coupon in the enclosed envelope. 1. 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F -PSI Cm Orw N xgela r-oa O]Opa Capral Gr Tc-0w OIORRIM. 1 - -MOOT lmpoftm No6spoaaas You anal b r -in be C dped b yid aocaml as of the hu rhos c rssM N. povded ((i) you soul 0. boMm potCoa of dm swailW aer% chock n the eaeloacd Motoon CC env add (2 your P.Y-.*,s received ut air g center by 3 P,m to (12 noon PI) Pk>me al least five I? bosiae? days Pod pupal r by us al aq oplu toeanen or m pl odler PW be emddal as of dihe eda day we mcuve tlatn. par bwmae days aTe M y through San ti M. y, escladiilg ho Ways. Please do not Sae paples, Paper eIlm clot. Wb=1rWMing Yowar Par"C K 7795244 500016 PSSS T. . Capita! One® does credit cards-and then some? Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and to manage your account online. CapitalQw" I what's in your waller7 FINANCE Previous Balance Payments & Credits CHARGE Traosacutins New Balance Minimum Payment Due Dale $2,804.20 - $2,804 29 '+ $18.85 +I? $0.00 = $18.76 I$15.00 00 Dec. 03, 2007 l - J Oct. 09,2007- Nov. 07, 2 007 Page 1 of 1 euau aar m ua? tars ,wawt ? Msst.Card Pld6nurn Account 5178-0572-6411-3791 Your Account Infommtion TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $2,981.24 CREDIT LINE FOR CASH $990.00 AVAILABLE CREDIT FOR CASH $990.00 Finance Charges (P)ose see reverse for importam informatro ) Belanca rate Periodic CurtespurrdrngF3NANC applied to rate APR CHARG Purchases $1,229.51 0.0511011P 18.65% $1885 Cash $000 0.0540898 197490 $0.00 ANNUAL PERCENTAGE RATE applied this period. 18.65• At Your S- 1-800.903-3637 To call Customer Relations or to report a lost or stolen card Payments. Credits & Adiusanents 1 22 OCT PAYMENT 32,80429- 0 Send payments to: Capital One Bank D P.O. Boa 70884 0 Charlotte, NC 28272-0884 A Sad upuines to. Capital One U P.O. Boa 30285 U Salt Lake City, UT 84130-0285 Hnn a question about a charge on your suuernentl Please refer to the Billing Right Summary on the back of your srakircut or n.arim girput k-rnaddlaes aosa sos t of 1 a71107 aaq t or a otursoa6 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE C-apftw Jv I w1w's myour wa9erY 0 5178057264113791 07 0018762804290015003 New Balance Minimum Payment Due Date C $18.7 I $15.00 TT Dec. 03, 2007 PLFASEAMOJW EAST Amount Enclosedd rrt?S5 : Capital Oaa 8aak Y.O. Doa 70884 043371] Ch-1-tP.a, WC 28272-0684 02827208948470 7795244 Account Number5178-0572-64113791 Please print address or phone number changes below using blue or black ink. Address Home Phone Altemate Phone E-mail address a 190332161802417219 14h1L 20 NRteattt JderlrZR L 19RLai 59 ALUM POM RD 318RYZLLS, PA 17241-9531 0 1 724 1953 1 5 93U 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. w A quick glance at what Capital One can do for you. / Car Loans \ Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand.. Healthcare Finance `Nhether it's braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone.com to learn more! Capital One Bank, Capital One, N.A., Members FDIC. I How b Aa . Firww Chvpr. t. 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Y ad.dion. w ow bwbaa fdawwx.pNiydA Capita du b a bewany.9awrad aa+viar move U, Caoaal 0- F.-c.1 Catpaason MAptaa nawwd a2006 Caput Gres TCad 0 I04NRK - a - W 1097 Impwbm Nolopnatls y9a mail to es -'I] be credued b yttllr a¢miunt as of the buslaNSS dR we recoae d, providd (1) Jvu send the botbm p ndfan of that staler.0 amid yov cheek's the enclosed RIN MA Ce and (2 yo.r paylarnl N rcca m ou p..e mtQ by 3 Pam Er (12 ttooa M Please a9ow a lad trve (S) busses days for po9t) de4very. ro ,.d by w at sdy other )or.:twncar m tmY olha fe y ut be cmdned ss of des day we mcciw than oar business days arc Monday dmeo Saturday. eachading holAsys Pluto do tut use sbples, Paper clips, ebC. when P.P.-III Yter "Y'Ad"* 7795244 500016 7, PSSSTa e . Capita! One* does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and to manage your account online. C'ajjijW Je" I what's in your wallet?' FINANCE Previous Balance Poynrnt.& Crrdrls CHARGE Tnnsactions New Balance Mmrmum Payment Due Date $18.76-? $50.00+`-$0.00 + $2,400.00 -` $2,368.76 $71.00 (Jan. 02, 2008 I Nov. 08, 2007- Dec. 07, 2007 Page 1 of 1 PIEASE IMY ai iNA{l nM l.MPMI irr ts. Credits & AdtuWmtre MasterCard Platitum Account l 1 26NOV PAYMENT S5011 5178-0572b111-3791 Your Account lnforrnation ansa TOTAL CREDIT LINE $3,000. 00 2 z8 8 NO Nov PURCHASE CHECK 1 2337 08277421 z S2.400.00 TOTAL AVAILABLE CREDIT $631.24 CREDIT LINE FOR CASH 3990.00 AVAILABLE CREDIT FOR CASH $631.24 "Finance Charges (Please see reverse for important -l,o Periodic CorreapardingFMANC applied to rale APR CHARG Purchases 5000 0.05110%P 18.6s% 5000 Cash 51100 0.05408')W 19.74% SO 00 ANNUAL PERCENTAGE RATE applied this penod. DOW, Q At Your Service 1-800-903-3637 To call Cost— Relations or to repon a lost or slolen card: ® Send payrrxsrts to Capital ore Bank :- P O Box 70884 L1 Charlotte, NC 28272-0884 Send inquiries to: Capital Oire r P.O- Box 30285 L Salt Lake City, UT 84130-285 ® Have a quesiton abupt a charge txt your slatement7 Please refer to the BdhM Rlghes Surrianary M the back of yourstilement or-t--ptytl- rnnytd'_ arcs 6056 Sa6 1 07 7 a113a'r - 1 ee ? olm"it's PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 5178057264113791 07 2368760050000071004 C-P"One. I whars m your warn?- New Balance Minimum Payment Due Date $2,36.76 $71.00 Jan. 02, 2008 -- _8 ` T PLEASE AMOUNT EAST Amount Enclosed -? CaPItal 0- Bade p4002f P.O. Boar 70884 Ch-rlotb, lest 28272-0884 77952 4e720894s47n Account Number5178-0572-6411-3791 Please print address or phone number changes below using bkle or black ink. Address Home Phone Altemate Phone E-mad address a /9034316180 27 4 72 6/ NAIL ID NUMB= JXMlr rt L eax'W 59 at= 70M RD UEWWXLL6. PR 17241-9531 L172419531593C Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. / Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Y/hether it's braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone•com to learn more! Capital One Bank, Capital One, N.A., Members FDIC. I How b Arab • Fbaeu [imps. t a. 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AN dyer roswred 02006 Caput Or OlDM6m-1-041007 ImponaM Ndifir leas you nwi b w will be .dibd b your acslKnl as of the baawes aYe receive tt, pfovlderl (1) you -d the bosom pahon orthis swemmt allya? check u the eachsad reml6rtc rn aRd (2 yew PpY= P 7ecaved m - piocesng ccMer by 3 p.nt Er (1I noes P'f) Ptese aGOw ai ll?ft five (5) bukleesk days for pr7tW yNleeby us at ury other tocaibn or rn Pa yy odw in"ot s be aP?. W cmdiim as or we - theme whyPrern " thringen y O?ar Wyk b9krlen days ne M ,%= eacludiwg holidays. do not PQ oT• 7795244 • - Capital One Auto Buying . s° makes car-buying easier. shortcut to Because you're already a Capital One customer, you qualify for special, low, No Hassle pricing ? Low, No Hassle pricing on a huge selection of new and used cars at deal, ? No negotiating needed exclusive partner dealerships near you. Less time at the dealership, a quick buying ? Huge inventory of new orccess, and a great low price all add up to our and used vehicles /NOHassie No Hassle promise when you buy your next car. FINANCE Pmioos Balance Payments 8t Cr,d.m CHARGE Transactions New Balance Minimum Payment Due Date $2,368.76-? $2,368.715+ $15.50 +( $500.00 = $515.50 $15.00 ? Feb.01,2008 J : a. Dec. 08, 2007- Jan. 07, 2008 Page 1 of i ro-9 My AT uW MS M T / MastcrCard Platinum Account 5178-05726411-3791 Your Account Inforrnatim TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT 12,484.50 CREDIT LINE FOR CASH %990.00 AVAILABLE CREDIT FOR CASH $990.000 ?F-cc Chargc (Ple-c see reverse for urronani mfomratio I Balance rate Periodic Contspond,%1kNC applied to rare APR CHARG Purchases $0.00 0.04973!,W 18.15% $000 Cash 50.00 005271%W 19.24% S000 SpccWT.- 599.22 0.01093% 3.991. $050 ANNUAL PEKCEN i'AGE RATE applied this period 37 02° ® At Your .Service 1-800-903-3637 To call Cusmm,r Relations or m report .lint or stoke card Payments, Credits & Adiusbncnts 1 29 DEC PAYMENT $2.368.76- Tratrsactrors 2 02 JAN ACCESS CHECK 4 4618 08009610 $50000 3 03JAN SPECIAL RATE OFFEMANCE CHARGE $1500 ® Send payrrcnls to: Capital One Bank 0 P.O. Boa 70884 0 Cherlouct NC 28272-0884 A Sendfnq.ut.to: Cnprml One 0 P O Box 30285 0 Salt Lake City, UT 84130-0285 ® Have s, a question 61wut a charge - your A terr (? Plea refer to th, Bitting Rsghu Suss my on the back or your sut-t or n 6D56 506 1 07 D.DlO) pr1r,>< 1 oe S 010X ieif PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 5178057264113791 07 0515502368760015001 CapitaJQJ?' I wha4's in your waBetY New Balance Minimum Payment Due Date / $515.50 $15.00 Fe=01,2006 PLJAjEZgjAT LEAST Amount Enclosed C71-a 0- Beak P.O. Dr, 70884 '1403X' Ch"1=., MC 28772-0984 779524432720384947CCI Account Number5178-05728411-3791 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address Cdl #90008161802447258 KUL ID n0611111M JZMFIFM L rrllI4217 59 /LQ[ POIE Re J77EIr1I21.LL, PA 17241-9531 0172419531593(1 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. t Nor to AVOW eFMenu CMrsa t a Gnu Prod. You wtl has a rMapn 9raa paved d 25 a» wktad R.-Chega enMw puMh-, new .hems tacfra, aw sPadal pwcdtrr and save dht Uages a you Pay you blY'N.r BataKe. N a¢aean sI NgvWa Nni[s br p.ynatr Cabo. and In In l ems br H be s aadYed by your Dayantal due ar Them r no,pnn eRush .gees. and.pNY Inrralwa.' N rdale, lan, sure Y ro aau Pero. ba alny YanNeeHlpn H ytw a ml pY Mba11'faw ea.me 6 AewfnpFinance, Ile Ctrs.. 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PI- aas,+ Isl ban" a ml sperLl Pwdaa) by she canraporde,p dry passe rarf.) tlr haebeen pvnary illadeN W yw- N he st. of -ay d.*V M bans Psnlod, we apply ft duty perbdv ache b each sepnwnn d yew areas. b M shy barsa or aarA sagn a 1, Than al M and d M billing P+AOd. em eked up the mauls d Mee aiy CaNkuh taona to anus N our p.noeb Wwrre chase fa e.N a.prrent We add .0 M r.aar tan each --sera to adw Y M bul paloco fir-Nag. for yea aepbunl To get the dally baboat Is, am sepnrad Yea eruaaA we aka the Cep eanP balm la each agnar..rd sorry nave Imm ed-s d Nypeadc Menu N+rss crkrbep m M preVHalna ally. bW nca far ? as?lea Nsted le eror.sect. 91 -u N- , M ee NNm day Mt ithe baebW b Nue MentAThb Gres ea ?ou ad he (t sea.Ga segment d sow .taunt Now--. , 9 h you pad New B.bnce a N yw. p•,ar tauera M kA I« BYew now a- ne wee « s asrR rro.ruk aura YrasNa,e, rhtJr pot b Yea Dkpaatae a aper+N PureMrs asauatae w sari adds W M ns y by add" as en easy ey we baate MWres ewaase , We dmwq ot"InherMakp Msap by the a lead vets caw ro WarIW you, your Clef .torus. dirge, mrwdr Y- avr.se duly barn by M drily p.nieeic m rd by M nnWar of days in M big priori. Due to butdbg On e defy bask a duo b Markman finance Chago Naeanaa, hero may be a tautte tatnaan nr. uFuladar and M emoua d Meroe h" act ally-.W 3. Mnu.l Prunasa R.W IAPrt). a. The brm'Ahnual P-law R.c• may appw as 'APR' on M tan d rb.-ftL b aM ode P(Ouam.ny Prime} L(Outcry LIBOMt C (UMMry CDL aS als"Noaa P&W appears caM Ems d this NNtno. ed No M prdoWO raN(s), M pumOb reW Nu d wneepoabg ANNUAL PERCENTAGE RATES racy Vary we" Nor pry I--. d-- based be W.W lado.u, r )stud at TM Was SteN Ja.n.t pkre M m.npn "malty, diduW bye. These ovens. AN be.*. *.On M awday dyaa blip pedal Wnmd by »a July ate thetas. endig In M nmlha d J.nuery AP., July . ed Oesebr c If t, =L D tat , W ly PriarA P (llonlMy LIBOR), «G ITntIBOR) appara N Bur tog -1 your atateemnt nee seats paiedlc haa(a1, M paI has, rro caneepaaMp ANNUAL PERCENTAGE RATES may vary monthly ar d may kla.ey a depyy brad M the sense Imb as., a faln0 N The Wall Seel J--K Fkls 1M marpnl :,nwimaly, "closed to you Thee charges"by .phew on Me NM ay d Year b" Pe•od each nbM. ?. A-m.nt N Late, Owlthif and RNvnad Pay Fees. Urdu the lakes of your euseamI east... we sons M rght b"a nbt to a..- any fie wNMut orb netRUbn W you w"houl wahtg ownlpfa b aseea.M miY-Ae- INrum. i 5. Rrpwig Yrrnt 11 nweaw fur spgs da ue teaheYe yo Aaaw Na e . you have 30 JB days knin she alpM Wletenl was m nueled Wb yebaviWa PSWQ M yaw fora ca b Mvwuchlea a byouhyw +aac.1yw .r.W ywised soukpay the rwMaNp re . To urn, shanev ., you I. bm Wnedly ably eplwV ow CuYanr f (ar DeeMra - and pay p-ur'N'N.w SWno.' hat e+waaa Ne narrub.nfep tea)pieb M end the ay a 1 Apenal. 6 H YOU Go 1-1 Aeepw.. You - slyer b Aria your pewuxv by caling ar Debm.r Rof Neear DawrmMr.. 'iu much ..stay New Yea area udb)ad a«bull spas chess, until N paweaUt d bBnp wl Gee• "^p your After oAfter your roars b are.. M you ..W,- W brwil . a a let urea pewlhabN btBa6 ananBNitda, t» wi rm,dt lispy ea A d l. Yap-M w141 mat rm.N opm,N en Addxi*ar,W saaua . NY y Y. rr. s ay u. irmlW Us -llvpn VNe you pay all -AN i. any fore. , o-NU you hew authorized. pas du NeN. finance, chages, evi Wee, fors, lye. au,ePaau.baev I.- em suv any etal..a a assP edswr th ea COrps. yo. u an r? bMa?? rth" am- eyou, .wantsN dsM see rr aaelbde. Mamount p My an Nfur rbm egwa b yap reokna.t ea doe un anmipll. This mayresult to recant k, b be be gmpwemouM eMf you than. nasaw dose I Udng Your Aeuua, Yaur are or.cwunl cannot be used m ,-huh wiN any hWnwt ybsWrg enaCUaa. S Mattes Abwa ENcNwlk Cheek Convention. whan you Fretted. a creek y pay n.nt you aa.bme u Whs, to uy Information f- your N W tna.. cans-lime N.caonk Amu lWalar ham your bank saeuv «b a aaa IM Peyote es. Neck bamedton. Whct yes lea bbrmalbn Nan Your anck to InsM an Wcbudc Wne Inhelr, Nude pray be wl"- tom your bank a«ounf as as M same ay Vn rota-your peyvanl and you wW not raciv. your &UN& back kee your (",CW baplAlen BALING RIGHTS SUMMARY yon c- of Enaa a O-0".bas Yea ale) a you a" yew ad b wraq, or Byou need more tnumadut en rtweesn a be, warm fe u an • saprN ar- M soon sec pesetas en M s00nt.a 1aNgdaa.burn an M tone d reg W lee-L We amst hear live you n e to. stern 80 d.» star vent vas you M NI bill on which ft atom piNdan apasnd You en eaa akaCuslome RNabr m nos. W dap twee Mel pasar» year rq) & M yew ledr. ply w A. W." Inkeemllen' ywr rasa yd apaana mamba, the doner.maul of M suspaded ans. a If .alPlb. ef she aura rd an a+PI-don, B eoyeb. at why Y. bell- Ywa b an -, a If you need rave Wearnnlau a dnalpnon d M hem you an esun abut You a nor lunm to pay any amowa n quo t what ww era W-"W our Y, but Y. ant am oagred b pay Ne pane YOabOnosNqueu VAa4er ihow any your qu ce"N we unW typal you se, 11 delinquent or lake a M rmpxs you surddwaa acikn et ua. aw 2. I Speed Rub Nor Card Pa Hyou M a prablien war, l wen . and HM card e and end . properly a I,, g ee Ihel quallry ye purch hased wen • yw Mwbad in Gam rQN b carat the paobcm w wAh wh ft retdWA you may hew the ripld ml psi she rwaYag ateount sue a IM prrgarly a yrwre+ You h lave see p--An mily ally when the Purciwa Gnu was more Mn 'S. aM dVpurdarewu assn yet hems wb« wWw, 100 ro eery a par aware sent.. (H vent Pl a se fu operate -Y er seM s. n+a.dpa M advMiwm d M l ..-I lec.11 pacfwa to covrN rpaa.a b seem a 1«.aIl- c. d puadfeae.) Plow remrroer b alpn all caarponatre. i Dv.+ nor apps b [onsurarr emrnM uN accouax+ T Des not apps b busineu amcndr can/ steads Capital Dne suppW ."tornado ten-V protockon ye wa webche a www.W Wpry,pwp C." One N . ae,rory rpiWno a Wk. mtk of C.Ow Ona Fb.eebl Cowed- As rights reyrved D 2080 Caphd On. TC-05 OiDMOM - t - Gant W7 Import 1 NotlBlrmesI yyoouu mad to us. will be trained No your account as of the buaness day a receive t; Provided (1) you deed the bboahh pa7ioa of tlfh sblemsnt end }roar chock in Ne enebaed remiMott sweeps and (2) your payma?t is Mcived m our pro=.g tcnar by 3 p.ln BT (I2 noon PT) Please allow n least five (5) business days for peel deliveerryy Payments received by us at any other location or w ant aflteT Ran.ot be adnpd as of ere day we retesve Went. Our buane.a days are Monday through Saturday, excluding holfday+. Flores do not uu saPIZ paper chM etc. when preparing your payment. 7795244 Capital One Auto Buying-se 500119 makes car-buying easier. Because you're already a Capital One" customer, you qualify for special, low, No Hassle pricing Low, No Hassle pricing on a huge selection of new and used cars at w No negotiating needed o exclusive partner dealerships near you. Less time at the dealership, a quick buying Huge inventory of new process, and a great law price all add up to our and used vehicles C-It/OHaSSre- NO Hassle promise when you buy your next car, FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balanx Minimum Payment Due Date C $515.50-? $500.00 ll $58.41 + $2,800.00 52,873.91 $86.00 Ma1, 03, 2008 i Jan. 08, 2008 - Feb. 07, 2008 Page 7 of 1 ----- MasterCard Platinum Account ? FEW MY Air TIM_WNi .. 5178-0572-6411-3791 Paymen. Credits & Adjustments A I 25 I N ELECTRONIC PAYMENT $50000- Your Account lnformalron TOTAL CREDIT LINE $3,000.00 1 Transactions TOTAL AVAILABLE CREDIT $126,09 I 2 14 JAN ACCESS CHECK 4 4617 83952213 $2,30000 CREDIT LINE FOR CASH $990.00 3 15 JAN SPECIAL RATE OFFEIFINANCE CHARGE $5000 AVAILABLE CREDIT FOR CASH $126.09 J 4 04 FEB PURCHASE CHFlK 1 2555 10651079 $50000 Fin snce Charges (Please see mwme for rrpaant n6n accar) Hahne ale Pcri d : Canupordiig FO4Ai9CE applied in ate MR CFIAitGE Pumhascs 564.56 0.04973%8 1815% E1.00 Cash SO .W 0.05271%P 19.24% E000 SpccislTrarss S2,186.42 0.01093% 3.99% 57.41 ANNUAL PERCENTAGE RATE applied this period: 29.34% J Af7h c At Your Service 1-800.903-3637 - To call Customer Relations or to report a lost -stolen card ® Staid payments to. Capital One Bank 1 P.0 Box 70884 U Chadrft NC 28272-0884 Send Inquiries, In. Capkal Ones P.O. Box 30285 L) Salt Lake City, UT 84130-0285 ® Have a question abuut a charge on your saIrroem9 Please ¢fer io the H'Oog Rom Sursssiyon die bale oflwr stsirm,,e1 tlrv t PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE P//?? 0 5178057264113791 07 2873910500000086002 Capita/Q?r + whN's in your walln)- Account Number: 5178-0572-6411-3791 New Balance Mnimum Payment Due Date ( $2,873.91 8600 Mar. 03, 2008 PLEASE PAY AT LEAST THIS AMOUNT .Amment Enclosed Capital One Bank ?.O. Box 70884 -4063- Charlotte, NC 28272-0884 779524482720884847` Please Prim address or phone number changes below using blue or Mack Ink Home Phone Alternate Phone F.-mail address 61) #90039161$DM7200 MAIL ID NUMBER JENNIFER L WRIGHT 39 BLUE POND RD NENVILLE, PA 17241-9531 •172419531593• 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. WI 07 aaaall arn.f h ued M np borra.dprr. a w YOU Mra, you-.. 0 w dr"k b Ink. a "- When w Iwbporn" •d 1w uao a.M w r- b.* ad e.dl .cmp. u Ya. am) rla" ma. "drrn.Ibn on PrM. V"""Px h ba d daa Ww xyn60 Up afar nw w P.M. app-w ? . »d0bp so.dp arEr..M == ft-w.. b..Iker. b"rrar; «x PrbOb r,M(s)b IS"tlMn 50.50. av rrM SUprsfdW .manr trarrr tlr•SQu0 rr rd.Mdxbnre•nallM 4, AW"n ,d a Lab,Ovwh"and Rlu-d P.ymwd F"a YaM.rmra wMlha".""no Mae Plan lM"a 1 ) aal oaf.. w.a... npanywwawigrrnar"a.dY dbnb coka dM anMaayw port ] C SPww abbe I. Cr.ds CrOP N O_nI ,ya ] d. blbd b xr, pucka" tl ya. acca... rrMrry ll.drld101r b HrwM• Cka? W . r h. ." Wad hM .Il-dwAp-1 Wig P.Ibd UMr Yrs WrA d Your arf.nrr,Orarr,a, n. r,.M" M b . U rs x yw ira. • Pbblsa with pM buddy a Pbpeny n-1icw r ? ryadl npMbndaaaw rfirMnca fa .rlY pMn blMlp paad II dMIuxa rl b Yafl P.kOrrl vaf.kO daa tod a"oa. p1. W brr -.d lb. pobl-MPl M inrdrrll You ruy hw'M - 2 Avr.p.D.xy S.IrM. M Mal. aaiN b?il.nu FNMlres aM1p• b c.IM"Md r. w akd, M, r. bw Nov. °? pear AwvMM. xamsrnbraMPM+?pW+ra _ ' dam ndb a Mrrl.karp M.DUra dlM an UM my ft Y. r? ?pPb ? cYPn MYrfMn OM P110-piaca ?? pr.dMS - a,d. kl Gn Amid od Ym will Curd.. 0 6. C H-0 . m.-Ch. pNba.n prom prbd a ?urdd by xw?C?rV Parbd_Dwb ? 7 Wiy b-'--- V..IsnA rM. Wawr??- .I rn. oxar .. duly boat, If .r,Yh,aapkl r•darc. cal.. 6M .ua dory" x yw Py Y- m'N-a-b-*. d1w",w. a" "".m im ama.R axro«a Mrwwwq . wk. .nd In I re. vrl rh bpMw No."forP?M^•aa b.bw, M a "hd by your amu..a 3MMIPn p ftb Raba d1h d Th is m cbwing.hp Oaa ThM is d M d w rk.av.npaa I aTM Mm' AmuY PalVft AW Upo as' 'APR' m b hw. of dM aa.mwd-'y appr as d.d # m ap.dd flro in yW do nW dIb pay tWW lyu"Prbd rnrooc.on 0 ywbriof aydr tad -NM 0. y llrh dP"larr PrensA bnyL w hl" M h 0. AeadnV FI"n" Chrp.. TIrM.anr wMN h M -ft k-) co (S P l a(BMi"piarilM,pparatlM hoa ax.a afM«nw na b.M P.rl.Ac da.(al. tlM ANNUAL rM "ad ax.a U,.9-paod an ap.uad lkrMRa amps l) 4onl lhda dbo brnrhmw 7) k- xM d.1. V. PERCENTAGE RATE gwnry ond-y N BLLL40 INC." hlunat?f Pr ? ?MOOUM w 3)bwnlM 1rr"nd.c""ba.tl arYM SbW Ndc"," f.MIn U. W.9 Shd J-IW,Mun mrph xYduW ban" If yw did na Pay W.'N•w B,bnc•' kar "P-A.. Ml b np pwidbfull. On-,%.Mm conks. b awuw b cb. ~nnv m pr. ad p,db Wu m bWk Nrpaa a ba b . ry d y wy bb m PP.-t" aW yo 1r 1 r10dd OM,nc..nlihugadbaanc.b PIdh d Tr" nMMrfhl " d y y- .1 N th. pMbaa rb p pa* Ind O wh maMM d J-". Apa, J* Ind Cfaber IrIM . Yw royf arw rMrn. chips.. yw My ft onYM N- Barp adirabd an w I x p xMwa?j.OlMa'a.ys00.r? I•MS1 dbIBOR1.«G U Yw ran _ rad a l ya.a,.nMra by dM n"r.bbin.r. d kV dda ba did nci do" Ir 1M p..bus rw. Lh-4 f.- iVN.nwx MA bth primk mWs1,aM rats ?r d". ?aMa%W b ft applkabl. a.-oflbw .4 ANNUAL PERCENTAGE RATES may..ry rrioady orb aMY krar"wd.a•"•ba.•tl °1?nd .'aMWA-Fin-I Chrq. F« a.W ERkq p.hd MN wMad ?•" roudhTh Wa1SMI '?•??nw?p ydd?"M ?is ;moc . r. 50 r,P.enpllkam bbl FINANCE CNMGE dfO a °d M MrJM on On AM fty of h d . bta ArMr.:o dMrp. nadrq k-xM.pplr d yn „ ir3irr vMr sly day Il, an a.P. dd No...r, x' pado",b a r.d - wa hna Yr... 6. I"axlr faurauf W.. m- Y .u d•a ya. .YYlpb YoM lei a, 1°byb° Ifl.a.. Oft- " T. Ooduo hmaalranvMirtOOMWdyo .Wft addr-(it- d awfwapMMlhn,af.la,wxaMnMwd you aM t --w adaarw abYM paprb a,.MO",a0 h..)sara or. rtgrdata a w laalbn a pladr".1 Pp.. IN rMrrrbslpn alc"pwdrr. Gar b Me O OUa rW appy b m"r.n•r npr--m wrd sRpaMa foae OOm-0-A*bb-14-rbnc 0-d--M, rd Capbl Orra.uaP-lNanm. al"O m w•hb.a 6dp.,rapldb0a.mol, Pdnacy Pra.cac^: s.•our aka ° Cyan OrobaI.damM •rt I.&Iw.d s-4. mad d CapW On• 'dimaa.. FkMrdd Capr rlpkls rs•a..d, 17000 C.pad On. TC-m QIOMW55 - 1 - Ollyd07 knp.NMN N-00-y fts-Aral b u wp b. aadkd b Ypw..,d Ydfh buW- d., rN rac.iw K Pra.dad(1)yw,.rd dM bol,nPtlbP 1-sW fttofd V- dad -w.- rw.bpa w4(2) yarn PYaordb 1.00.d In- p ...dip anl.r Dy]1-E7(17-PT) Pb."dwr.1 W.W d"(5)blrklr, dap lw Pad d*_y ,Wl-" Iwabad by u.1WV off, W.Vorw In '" afhr 10- -Y M ha.61.0"d fk. -W w. r.10. 0r.w 0. budrwa days as M-* s..upk U-*. •.cburp hPldap. Pl-I 0 M w• plop", p"r chm .b whn pn"w" pw my,-nI 7795244 500016 MSSST... Capita! One" does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitaione.com for a complete list of services and 'o manage your account online. .Rx- .hat's M Your t alarrT FINANCE Pre -us Balance Payments & Credos CHARGE Transaebuns New Halance Mmtmum Payment D. Dale \ $2,873.91 -I $86.00 + $15A68120.00- I= 52,922.97 587.00 I Apr. 01, 2008 J Fab. 08, 2008 - Mar. 07, 2008 Page 1 041 MastcrCartl Platinum Account --_- - - - - - - - nlA4 MY AT LIAR IRS NAWN7 5178-0572-6411-3791 Payments. Credos & Adjustments 1 03 MAR PAYMENT S86.00. Your Aaount Infomuoon TOTAL CREDIT LINE $3,00000 Transactions TOTAL AVAILABLE CREDIT ;77.03 2 03 MAR PURCHASE CHECK 1 2596 09079265 5120.00 CREDIT LINE FOR CASH $99000 ? ? VAILABLE CREDIT FOR CASH $77.03 - - - --- / Whether you're in the nurket for a hone equity loan or you're interested in refinancing, Capital One will find a home loan solution to fit your needs. We offer great min. ail hidden fees, and you will receive the one-erne \ finance Char es (Pka i i attenhon of the same personal loan consultant from all Inclose. Visa www capitalmehomeloons-ni for more g se sx te`rrse x rPonaa nfortrahon) 1 in(omulwn. Belatce nil Perudic Cmespordng FINANCE aRRied to one APR CHARGE Purchases S525.04 0.04973a/,P 18.15% $7.57 Cash SO 00 0.05271 %P 3924% $0.00 Specian'rans $2161.92 0.01093% 3.99°/, $7.49 IANNUAL PERCENTAGE RATE applied this p-od 6.26% ® At Your Servicel-800-903-3637 7o call Customer Relations or to report a lost or stolen card ® Send payments to: Capital One WUSA).NA C P.O. Box 70884 L Charlotte, NC 28272-0884 A Send inquiries to Capital OME P.O. 130295 ;7 SaN Lake City. UT 84130-0285 Haw a quesbon about a charge on your stateme l? Pkue reEr w the B$rt ROU Statuary on the tack af)aur smtcrrca orv'nt PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 5178057264113791 07 2922970086000087008 C'a/71falQr?' I .,Wars m low w.I4tr' Account Number. 5178-0572-6411-3791 New Balance Minimum Payment Dix Date Pleele primed Wass or phone number then -? ogee bill- using blue or black ink $2,922,97 $87.00 Apr 01, 2008 Addicas j PLEASE PAYAT LEAST Home Phone Alttanate Phone THIS AMOUNT _ E-mild address fa7 Amount Enclosed -? J L900681619124472911 MAIL 1D NUMBER JENNIFER L WRIGHT Capitol One Bk(USA),NA 59 BLUE POND RO P.O. Be. 70884 '4092• NEINVILLE, PA 17241-9531 Charlotte, NC 28272-0884 -172419531593- 779524 '492720984947- Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mall with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Car Loans 0001111111111111111111111111 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 G.,nsohdate your bills, buy what you need or have extra cash on hand. Healthcare Finance Yihether it's braces or laser eye surgery, '.ve 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 07 - malgfa Pra'APlry dbdaad b yat b yalr lWp PoWeatl mao f an nil, "I dya L urea.LaftGV~ SW . r11 ba as -mil ro?masa==d a. Isaa haled hra that -4.M ft b" pwW udr lw lea a your arbnar ===7 lid b aaaaa ndiMatlan b Yaw riY1P1A aanrp oa light b aaaaa IM .,ml,. byM•Wr Wrm i?S:Rl,nrabnslp YYl ArraW,lart 30 p days ran ae days Irm`n" eu hpra d your abl.rrlaa. you have ave 70 lain IMa slalrnra r,a naiad b yw 1. -W paying One 1l, a b haw bail la-dilad b you My. read your .0 WN-A W Y- amaa?y--Pay ft May byua MorTap Cuabma Rabams Daprblaal and pay yala CNaW WarpawD In fial_ ..laadudt pr -6..* lea) pna Was & R Yl,a 7 Ualnp YOW AuaW. Yda uW a ap,w.y rdnnl Ds uad b mlrnrYan rib awr Meal,rM g.mbWlp 4arracabrr. i. NakaAbaW U.drerllP W1ay11 Cpranbn ellwbua Y?ifpmWWnbar psyaary, ygtrsutlwlxs W aNCraYC llad YanaW km m aback W mW Poll ro Yaa bana accaM a 10 b papas ft gayaraW a If Black trrRabiM. wMn M w Hpmrlbnkaeyar .fawn batrltaan abdwic han0 barndr, lfaada may b rWlaaal kan yaa OaIW aasan M . r,u.w.e oral, aawmaan on n1R arc aapmala aa a bdrW th M Mrsd thmis sort hired blar Wargran op War 1dMrJ wra a p d lidohdaaOal RsfaYOrr rawOa, fad qprill a i i01MPmaa minim" caafa a yW bill MaWi fall In?oalialm VAN ir+wp?ib, yaa 9lrpm, w rArrra rapl,rl YPU M oWk,* ra a fall, an, IT. U b s" RNa ar M anl" argMeMe" IT. ha aft Cudgadww g fsuMa-pPEWl,rlaafa prapryaarvka taanbmrM rMSaadiCWO nrdWM you hays rind Ngmd prablan WM tlna nfald1a11, Yea may Ma Yk dgM lid dpw. Y. hra,riygaeRWadl,mpr pOph a I l,pke av nears 11 SWW pod nd M Pul ha -1rY -ft inVour W "1a yo- aaygrne aYla a aiMn tog nIM d yawItWWIg th. 1d na Pu lawn rl g"Wal r Um Pompano W mwdrm, p iw =, a yal, wwM npMall a d amoaa IN bwlian d l rsnanlbrbapn al oonapadala. putlfaas.) Pbae 0 D- .0 apply b arlaarWnon -m and amounb b If- 0Dpay m apply b arablae rawWN aWdeIX:araes *) and rCall 0-.upprb inbnaan pdacy pod n, as our 1a1 b dal,, mfa W yylR,pypgylPg - mra bil;y:; ?wa a'r ia.-Nalaaa UWq. =0- balwrdy nplsW.O a arrcl, mWr d Cap" a, d that . yoW aulaws"al, b leap)ala.prem. Ww Addaarly, light. r---d O2008 Ca0iW Da wr. oar Ormrre anal M ba aaaad llmid yaw pay al amnaaa nor - a k-kdM "OarNacavr ya haw _ aWwiad. 11naral phrga. OW Ar lea.-h"Wr. erpa waaaaaadb IaaamN.darlo. (.NandarrY caner labor nnaa®ura You Mreapprufpb for by lane. aaburlb rbsgw Pfau appMr lan lira acreuy W IM lint. rdrl n4r.a1 b cbaa pr a-alf a ny an kilned To -.Qu- 0 y0a ngrl,l b dwl, dr ll-ni. 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P.P. dbl,, lie r plapOaq nut paymra. 7795244 500016 P 7 SSST... Capital One" does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it ail. Hassle free! V:sit capitalone.com for a complete list of services and to manage your account online., c4p1r?M your w.u.rr FINANCE PreBalance Paymrnb&Credits CHARGE "fait-lines New Balance Minimum Payment Due Date $2,922.97 / \ $87.00 + I $16.73 ` l )+? $199.00 $3,051J. .70 J $91.00 lMay 02, 2008 Met. 08, 2000 - Apr. 07, 2008 Pape 1 of 1 - _ _ -?\ PiWf MYAT'JAW IM AMeUt rd Platinum MasterCard Platinum Account 5178-0572-6411-3791 Payments, Credits &Adiustmenls i 26 MAR PAYMENT S87 00- Your Account Information TOTAL CREDIT LINE 53,000.00 Transactions TOTAL AVAILABLE CREDIT $000 2 02 APR PURCHASE CHECK 1 2587 10585746 $160.00 CREDIT LINE FOR CASH $900,00 3 07 APR OV ERLIMIT FEE APR 07, 2008 $3900 `AVAILABLE CREDIT FOR CASH $0.00 - Your aca7W has gone over its credit limit To avoid sdddtmiel overhmil fees, Please Pay enough to brin g your balance below your credit hmil immediately, and make sure you remem below your credit Imnt (F Please b. sure to account for any future purchases, tees, and finance charges Inanca Charges 1Piceseseereversefori ionstanlbmntion) . Balance rele Periofic Conespordilg FINANCE applied to mi. APR CHAD Whether you're in the market for a home equity ban or you're interested in refirumcm , Capital One will find a $659.57 0.04425/8 16.15% $9.05 L horse ban sohnion to fit your needs W e offer great rates, no hidden fees, end you will mccwe the one-on-onc $000 0.0472358 17.24% $0 $2,265.86 0.01093% 3.99% $7 68 attention of the same personal loan consultant from call to cbse. Visit w- capitalonehomeloans.com for more mfomia"on. RCENTAGE RATE applied this period: 6.96% J Mwl At Your Service 1-800-903-3637 - To call Cuss— Relations or to report a lost or stolen card ® Sent payments to: Capital One Bk(USA),NA C P-O. Box 70884 C Chadoea. NC 28272-0884 A Send Inqumes to- Capilal Ona I P.O. Box 30285 E Sall Lake City, UT 84130-0285 ® li.s . questmn about a charge on your staietra a Pilaw -LI to the Byatg R*w Sumeryon the back ofy. statetncre"vat www a. +.,Jk , PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE CaPlitalOnC'I wh.rs,ntourwatlrtT 0 517805726111379107 3051700097000091003 New Balance Minimum Payment Dw Date $91.00 May.02,2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Encka.ad Capital One Sk1USA),NA P.O. Box 70884 '4123' Charlotte, NC 20272-0884 779520 92720884347' Account Numher. 5178-0572-6411.3791 Pkm" pint address or piton number tdnanpes halos u.iip plus or black ink Home Phone Altercate Phone E-mad add- (a) #9009916180244724# MAIL ID NUMBER JENNIFER L WRIGHT 59 BLUE POND RD NEWVILLE, PA 17241-9531 `172419531593' 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. Gar 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 reed or have extra cash on hand. Healthcare Finance 'Whether its bracas or iaser eye surgery, y,ve can. bring medical costs into focus' Visit capitalone.com to learn more! Capitai One Bank (USA), N A., Capital One, N.A, Members FDIC. 002 07 1. Row Ia Avoid • Fk-- Ctwpe. o Aena Pared Yove"11 o • d" a rr prta Peabtl d zsdMvaltydlarna r aacial Wpur and d dr row 0-" a I y you oo oe aaaeal nadrtu rh.w abar gb pay are kr tee • for h aWInW a MM tod Noby year b parowYSbray, and M pnht rp a b a M Prodo Wide by yer rrreaffifervani h a rdaaq Pre. Taeaa r nil pea Perod flia Id -9 adY P-d Wp.cr tollo, I Me11 P0.Yrb Yr' paAOo a, any barrao.on If yp a nd ply dr I00 'Na beWca' It. Aacyalnp Fbanara Cleapa. TraNatlura MYdh are nor argad b • W- Period ate raaa•ed farrla drop i) hen PItdda bwabn r prhble 1.y p2)vara or 31 ft pr lb day of tbyru Aan 71Man au fart red rol Pdo,.c d-P nv'. W`e-ay. o you old ply In TNW ralotta• a'ad Yia paylam br'ry period In IuN. Mrla Ptah obdaar b arro b y- laVrd btlenra rrW aht hvpab a? I. Pabb ba The rrMre that Yeaimry.dl weather drpr, Oran Y you pay to awn Maw 9abr1[t kromadadon M bona of your alalarnerd by Ir ar&bk nead darro dale. our di0 nol a febr yr padba mprr, lalpab I- crgr alb added b ileappliabl. aalnled d Your Account C. MMbyr Fare Charge, For, each brdq period tlW Your araOa to earaim to a hrna dWpe.. a**- bar FINANCE CRARGEE Mdpl0.5D W be lepaea l 0IM oealoe Ufaiaeara Plan so wWIN .Wbw P"id Irmo v ft. P. $0 so n*- end be dvebrca vA be b.. to ba pudwt eepmeaa of Yahaaaaaa. ? d. T.mpareay Raduadan M Fin-Grarpa. Wereerve IM ripM to MI.eaies any or r Anarre aeapad I. oM 2. A-lio Your.aarapa daps babio by or daily Pedmic roe and by art raararr dWre M ft brag pealad Due b bMVa waao 0* boddifrMhe.rely, be rM vao If ." d-" "i"I'll ---ad 3 Anneal Faweaa.pa Rallied (APR). it The learn •Aeaarl P=e*We RMS ray appear b 'Apt' m Iha Mtd 1a aaa alalemara. a (Ir Ida P or s Iy PrbrA L (GaeaaeaN alb C (r]rrlary 1, Btraiarg a aara yon the "alor waddlaws ibla M Dre rrrb. ANNUA ralNaA bs prnbdk rtlaa led L PERCENTAGE MTS9TES e -odionorver ANNUAL .Wild I and my at brae n4cb, as bud to file Wall Wr sYM Joumr. Peat r via mpprr VsieaslydacbW b yid. Those Pena yrr it. a dr ant Pty of your b Wm d mend 4p I. pado N11w rr,brvlbd 1,1ja1 . Aod.ba did, oan r If W. Apri WM ftM% c I itras D (Mora p M,a F IMaoaY LIBOR), or C (rraurr LM MM appears an dr Non of your ==-=-== Im• prEHfACE MTES may ylly ao,day Nb INy haab alms been m IM aWtl atlas. b turd b TM Wad skeet Th-dPloo the flue" Weviewily W you, T1raa drop.. chaa iya yon ft oar ay e o t,, er Pea- Lard. Oven a. AwYw ao of Laid. rr rd a tParit•nl Fan.vourrmea w be a it overrated e Ou" eom t^r na ,ru l d I sang Period "n r. , Wild! tlr lamb of - arur &. gd yea , e So- ilgrwe roans bNroa .be or rol b - obra any fib wA esbe d pd. or nalFran In year l aM wa1Wq -WA r aM:leabo at.lailer yL dlr. C S.? R"aye, or or Y Aao*rd.o amanbweMpfnI"a urdayourabltrrwn.youhot ev d - sold ylrvme web ea -lure Iat fhave, rl urn nailed byoub sold pryay Me Joe em aNt vtaad 50 youth you a.. year C01 MIOA having; you pay Me a* of by ap rev To C,of your SOCCUPIL you retell relay of by Oalkrg our Cblpnw R"WY- ear Daparaenlgrid Pal Your :Hp RWroO M ai (aeodfM nwnbtrafty ba) prior Io IM aMdCl d a Y Y- y, p•rbd a. You - I ea A c Yearn -dose raur apmura rsa i v - CY Rw&b- aw Dapadteaa.Yo*do aaoY younedlonfed arraua Ivand.herd•, wen h aAh. s PrI bray ano rNaf 1 your MiZW. M Yap n rimved Prbt b tied o you ar karred t o nd ..al pe ncoap d If uvoi borad wr.vb wear ur pa r,xv 'W eulyweive,aaa W b to your a rr rpaa Aaawiy. Yea arophta will ,of be db•ad A vv a You aY as ebanr Yea en u MtlWay: any w 4rra d- eau two avroAod,-sal , lour. aM pW advence rya Mb. stand ft, eld ,-ivedlnw and ePy Ivry oavar (ale araeaad b you accaml Y. Yau eau rasporrvYS b baea aaouae wlredar wry apP- a you acmua al Ile Ibne yea reaaael b Cba tlr aaaura a wry art yrwrtW -beew r b your ia,- to ao•t ft aaeara. The rrely roe A In dharta. ppaaNyan yea a-,d after you N. npra•100: acouaabacbeal. T Uaahp Your Award. Ybur ra•d a acaaM-ol be raaPh oolahabdon lwy wry adaaW prrlObq Imracllorr. WW- B. Rota Abwrl 1doa .WCloak .OALy you a Mte b ia+ MaraYon from :**,r lure Yablar born yaa aa a mibaarWro Yea+aea acmwa p toprocar dr pry ma enl r • dhed I.rracpbra When* we w adarirlllibla Man yold fhaPl b ftlaba>A al.Grbdt Nb .. Play be adWManyour bidaalh dtw - roam you paynrd. as You wN SRl RN'iMBSU WMV fill- ' 0. Caw d Emn or ck." r.au Y- W) d you Yid, Yaur bay Is eeaV. or a you mod man hiltntrllon oe a trarrtcaan or bill Wet ba awe aamrW ever a •enn v awn a pyartb tlr -hard. or a We nulled You ft adh .ovalW rap lopwa a av Ur P 10 or olon I N puar•n tMw d .. rp IX b loacon It paWae.l PbeaO rearrrnM b -Kin r mrrpabena u Does nd oppry b cvrturrr nanrredw card acuua• ?DCn rrr -yogi bdiaaheae noaeea/v ceadecmwde cap" Orr auppo le krimr Ul ph-Y Pro OPM an our webaoe of aODY.Opael00,a1p1, Capita Orr to a IaderalM dplabrW.arch. mad d Caper Orr Finer" CPrpwrion. Ab rVel. nerved 0 2006 Capdal Oe TC.08 01 DMOM- t -"1 D'DT btwdanl N.tlaaYelNae lour re" br ear be mailed b your a2aaa as d or baMbt dry w. rteNn K pwNed (1) yea _W /r bast Perawr r "a ereaned and you dram M dr• arraoap readarra eawalcp• arhd (2) your payyneavb saved at w pocbaay arid, W 3 Pin ET 112 rree Pn Pbaa ever a11bb Ilea (3) brudvra dne or paW d•beay Pyawr r ,rod by a N wry our bcrM W h "filar bin wWr rrl be aadaad r of ba ay ve raaeaa bean Our lv abna aye ere Mearay uvmiau 3dudW. saadYq Ivoad, Reactanel- al.plet.~ dba. war: rdrw We dad yea pd,_. 7795244 6.28% APR* 500205 (We printed this big because we know it matters to you.) APR Is obviously a very important factor when looking for a Fixed-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 \:o Hassles From Cali To Close 'four Personal tome Loan Consultant'Ndl Handle Everything Call toll free: 1-900-760-2493 orvisi-r- w ir.capitalonehomeloans.com Mon-Fn dam-apm, sat. !u -Ipm 55t Reservation Plumber 5053041 !L 7751 ".WwY? d annual P-3:. r - a eFke:vr e: -,i u3/ 24/2(= a,xi oboes w dnngr a u,y tame .U'R a txi au na S,wd Bolin hW111 S203 ,230 isnn -,-u, SlAb combined Ina •to-raltx nuo :und a 30.rr.. I-ucal-tire fir"-?xn ??anggaaggee Monshiy paymem la rho es>,npk u $1.25G. AJdniasul Berms and rarnawm apply ^ rtauLartw c.Pnl (Mr u an Equal Housing LcnJv..kr nvcrss: for adJiuaml imp"fans intnsmastun a_''' LENDER Home Equity Loans l Mortgages I Refinancing I Debt Consolidation fame u-, FINANCE Previous Balntcb Payments ,R Credits CHARGE Transactions New Balance Mtmmum payment Due Date C$3,051.70 -($9100 ) + $18.21 $0,00 $2,978.91 $89.00 Jun. 02, 2008 Apr. 08, 2008 - May. 07, 2008 Page 1 of i --- nuu Ptt( aI LFASi tNK 4Mq,Nr Mastercard Platinum Account 5178-0572-6411-3791 Your Account Information TOTAL REVOLVING CREDIT LINE $3,000.00 TOTAL AVAILABLE REVOLVING CREDIT $21.09 CREDIT LINE FOR CASH $000,00 AVAILABLE CREDIT FOR CASH $21.09 Finance Charges (Please see m,erse fix nTortam atbmoton) Balance rate Periodic C"MSpodisg FP*NM applied to ntle APR CHARGE Purchases $823.76 0.04425°8 1615% $1094 Cash $O.OO 0.04721%,' 17.24% $0.00 Spectarrrans $2,218.58 0.01093% 399% S727 ANNUAL PERCENTAGE RATE appl j. this period 778% F, Al YourSmicel-800.903-3637 To call Customer Relations or to report a lost or stolen card Payments, Credits 8, Adi-irnents I 02 MAY CAPITAL ONE ONLINE ACH PA AuthDatc 01-M AY $91.w Whether you're in the trtarket for a home equity loan or you're interested in refinancing, Capital One will find a home loan solution to fit your needs. We offer great rates, no hidden revs, and you will receive the one orrone tnentum or the same personal loan consultant from call to clear. Viso www.caphalonchome)oarts.com for more inrormatrun. 0 Send payments to Capital One Bk(USA),NA O P.O. Box 70884 ? Charlone, NC 28272-0884 e Send Inquiries to. Capital One!:. P.O. Box 30285 0 Salt Lake City, UT 84130-0285 ® live a question about a charge on your statement? Please Mier to the Bing Rights Stmnary on the back ofyo r Statement or vrsit PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WW W CAPITALONE COM TO A1A1E YOUR PAYMENT ONLINE catidi •-ot/rrr' I what's In yew w.lirti 0 5178057264113791 07 2978910091000089008 New Balance Minimum Payment Due Data $2,978.91 ) L$89.00 D Jun. 02, 2008 PLEASE PAYAF LEAST THIS AMOUNT Amount Enclosed Capital One Bk(USAI,NA P.O. Box 701, 84 '4154• Charlotte, NC 28272-0884 779524,V 27209MO47- Amount Number 5178-0572-6411-3791 Pie""` print asld""'a or phone numb" chwgea below usM base W black ads. Home Phone Alu mace Phone E-mailaddrete 64 %90129161802447290 "L 113 NUMBER JENNIFER L WRIGHT 59 BLUE POND RD NEWVILLE, PA 17241-9531 •172419531393' Please wrlte 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' * Lower avenge monthly payment clam baited on fist month's layman on nor-purchase lomu, ndustve of closing toes, that closed between 07101107 and 12/31007. Adnal lower payment may vary. taking out a home <gmry loan or line of credo may increase the teal amount paid when compared in your tumor situation. pit some cues, refinancing m pay off existing debt may extend the term of the debt, possibly resulting in higher -11 costs and utcreasmg the total amount paid when compared to your cunem snuanon. Cf e.:ntended Fr quabhed ipphcams only. Not nil loan pmducn or remx are -61hie m all s-m I ?c actin closing rimes may - bucd if- she slate in which :he property s ;.'-d. 1 ua??. vuI'j- ., <r d., appn,val. I hi, duty not , cm m offer m corer :nor a ''.a a igieenrent H_ttee and :envs ab}m w _n,nge wanum nonce. i r,d--d yl( d Sy Oar ";-' ln,ur.r, /!C -ofd Q ,w" "'j" _ i Onr. ,': drr:rL3 aY„rr.ru rr -.I11 ,Oo r_.rrvrd Home Equity Loans I Mortgages Refinancing I Debt Consolidation 002 07 s. How W Aveb Y FFrrr CMryY. !1a Grace Prod Yw will t- at mkil,un g-Patoad 23 d.Ya MYrNA*--daW Mrtaw Pu ltta rl.w b.Yro bsMhra, rrwapaYyl pr-earaa.a W nay dMr doge- Y Yal rra. kw N- B.WO', M end in lin. Yrp a with b it MOW rwstlo W wymaa beeow. doskp da for by Your .A awampi ro Nip, Pinata O>rM dhwil,wrauh on Ny apMa Y.M.dbra u odlon 9 y m ad o na ant i wr . IM is btd 'HN. b. AeeNlry Fbsrww Chw9e. TrwaadbM Midi are not fuWr to YdaWliiIY? eaYW ? 11 1nMadbn is pmc..eW b yorr Aemum or 3) Iron IM "W WW. day of Ma curwl biekrt PanW Aodl.Wly. Y you did rot pry Bit 11aw Burro' horn it. W.W.b eaWq P.nW NhA, IYetro dlvpw coINaW b aPpbe b Y - s udkduubaid baWO b PW in You "um war Ch.,, eWm Y yob p.y b. rw. N.w Satan. VW. W w ew IoM d lion abWMnt by ft rid NNanan! closbb My, bd did not rib ea W en ViiA s maeh Urpaid Nairn cMgn seadded b" appkabb aapmanr dour A.-A. Your aver • daN/ b"neii by" dpy WrWk nb anal by ON naml-d "Y. In Yn bikrb Parbd ow b miaNrq bit a dally W W, man rreY M..light win. ca between pfs taldgl1. aN IMamWra dIV- clrrpa araraty awned 3 Ann-I Pares Mp Rays (APR). a The Wm'Annwl P*-daps RN,' Trey alanar r 'APR' Pn b. fmM of die atal.ntri b It Yb coda P Iotbn.M vnMA L (Guw" LIBOR). C (OuaMAy CDA a S (BrrMN PrMn) aPprln on do kW of this naY nwl b Bw pwbdlc rNats). ore p-dic ratty arid con"Ponic B ANNUAL PEGE=M may- VteWry and may I_=A. e.aa baaW on dw .=Yoke, as lound in TM W at SMa J-nK Pak rM -Vin pr.ubray dledosW b You Thws dblyda. ra! M en.aN. m Me rYd ear d you entrrp perlPd raYaW W yea Pdadc sylannM.Mlrip M Yn mbnlW d c. Ilt cod p?Naidy prOl ?lyaiuy llBORI.aO (Treaauy LIBOR) appwn m tlb Imo d yea nwamwl MM b ill pabab rNe(a), tlNppbyp stn all rbn.oP -r y ANNUAL PERCENiit- b.A on mat lndoet , m laud in 7M Wo SUMM T Pit. .aB. will '*' ditielaud y ffeat" titiii of OMI'p Parbd "'t" -i a A..aawad d lay, OvdyW aW R.Band P"-M Fr.. 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MNa na wptlwawn 1-- yaw brit scam it noon as do a.nr rill wa r.oelw you W.-I aro YouwiY not rsWw you click b.M Motif you fibaKbl NOreutldr BILLING RIGHTS S(A81MT (in Casa of Fran a QWYOrw abut You W) If You OMrlk YOU bb h worry, a Y you nand more inkamabai on . h-.U n r bit, e t b. on a wp.rab a1w1 a soar w pcaibW N en addr- far IngNlss ill- w ill kanl d Yu araWlnr.. W. -0 Mot hen Va. ro bur urn so a" aAr M SW )go Yn as bill w +Kh ft amt a prWMn appomd, You Mn call w Cutlenw Ra1W.ly-br. bid daft -will nd Pnearrn You fhb M roe kHyr. BNa w dw bb." )iarrrWb, you rums all amoiArt rn . Ya Odbramouti d pro suo..Nd arras, a d-Wen d pr error all an apM.YOn, Y Denbo. d wly yw O.tae hole h an tint, a Y you MW Mora MlrlMaPn, a d..abbon d ill turn yW Ne war wa o bnaeo= Pay dtau yN an you rpraYOrr, rn or-ol yw brand Yra PtobeanwM Yr. mrdwlL tau araylyc Yw drill nd b P.Y IM rwWib..WMdw w Yra piapMy a sa as t; VouMwtlw Pill Vn pueft rNwrl 4Pudrr.pq top. don WAD Will Yn tA.ett.a. wa inure M your hero awe awYNn 100naw to Yd. nb4rp adore.. l1 wit - or aperN- Ne manan. a it wen n .iw you Ya adwnk- kr bft pmprly a -N-, a P-h- an catered nisi ss d anoaA or kobon d pudws.) Preaa Mml- in slyn a carspaaWre G Doss od eddy to remnant -" Mm aaxau,. rl to- nd -play In bealnra/-stood Id 90.roWia C-0tw -itop OP{i1t?. p-.y Pte'-. sM our CapIW Oro b a }edaaly r.pWred saNCe maM d Cap" Orq Feearnel Corpwakm. AA ryrh re.asWd..^. 2006 CaWal Ora TC-0a ofom6wo-1-04MM7 brrpart.M NollAWWft you -11 b u. vie be -Mod It, lour -..0 r d b. bui- dy rw rwW- 0. P iaWded It) You sad.! bdtaa PalWr of Ya tWaaai .M your dock M to eider W rwMtao rw.bpii all (2) yen-poYnraM Y nceyed In ou pocw.b9 MMr t3 PinET (12 nowt PTI Pitr..Nw N tenet Oryr la) buhra. al.Ya b Po.tN Oa.r.ry. Pgrrwaa nWwe by u N ah oYrr IPnrr.n a M Y odrar Metal rosy f b. M~ a Of tab d.y will rsc.ive IMm Our beaMa, dro r. alan*y tyaryn 811tUtlay..edldkrp helift" Plww do rnl w aypiw Papa doe. ere vmw pepap line parrnurL 11 ? !95244 FINANCE Previous Balance Payments & Credits CHARGE T :insactiors New Balance Minimum Payment Due Date 33,051.70 S91.00 r 518.21 - S100 52,978.91 89.J0 Jun-02,2008 ,I Apr. 08, 2008 - May. 07, 2008 Page 1 Dr 'I MasterCard Platinum Account 5178.057234113791 Your Account Information TOTAL REVOLVING CREDIT LINE $3,000.00 TOTAL AVAILABLE REVOLVING CREDIT $2109 CREDIT LINE FOR CASH $990 00 AVAILABLE CREDIT FOR CASH $2109 (Finance Charges (Please see reverse for important nlonnallon) 1 Balance rate Penodc Correspondug FINANCE amb9d to rat? APR CHARGE Purchases 582376 004425°%P 1515% 51094 Cash $000 004723%P 17 24% so OD Spamffrans S2,218.58 001033°% 399% 57.27 ANNUAL PERCENTAGE RATE applied this period: 7.18°% (^j„-'1 At Your Service 1-800.9033837 To cal Wsbmler Rohoom or to mporta lest or stolen card 0 Send payments IA: CaXal One WXA),rw • r 0 an 70884 • Charlotte, %26772 W84 10 Send Inquiries to: CTW a e? P 0 Box 3OM5 - Sat Lake Cly, t/r 8 4 1 3 0.718 5 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the hack cf your statement or visit www,aatabne CWV*3oute3 '.^il N?,:1 Ifl5i 1!f.5.'J.,GII.- Payments, Credits & Adjustments _ 1 02 MAY CAPITA;. Of,JE 9, LIPIE ACH PA AulhDele 01.YI AY 59100. Whether you're in the market for a home egAly loan or yodre interested in refirancing, Capital One will find a home loan solution to fit your reed We offer great rates, no h Khan fees, and you will reome the one-or- anention of the same personal ban consailanl from call to close Visit w m caoitalonehomeloans com for more mforrnalron PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO EVVWV CAPITAIONE COM TO MAKE YOUR PAYMENT ONIJNE 7795244 C7p%tsi/of1C" ,.,har,;.,, - -Ail.n. New Balance Minimum Payment Due Date ( $2,978.91 )? X89.00 Jun. 02, 2008 1 PLEASE PAY AT LEA5r THIS AMOUNT Amount Endosed . ---1? Capital one Bk (USA),NA liln{ullll{1{into{{ P•0• Box 70884 Charlotte, NC 26272-0884 IIIIIII III111III{Iil ll till{{111{11{1I11I IIIIIII iI IIIIIII{111{{ 0 5178057264113791 07 2978910091000D89008 Account Number 5178-0572-6411-3791 Please print address or Phone number d1mvI es below using blue or black ink Ad'O'ieJf Nome Phone A/rcvrnrre Piton #9012916180244729# MAIL ID NUMBER JENNIFER L WRIGHT 59 BLUE POND RD NEWVILLE, PA 17241-9531 III III I11I11{III{IIII11{{{1{1l/111111{I illl{IIII{ll1111#1111 Please write you a=unt number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. 6.15% APR * 500205 (We printed this big because we know it matters to you.) APR Is obviously a very important factor when looking for a Fixed-Rate Mortgage. And 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 • Personalized Loan Consultant from start to finish No Hassles From Call To Cose Your Personal ..,ome Dan Consul tan t'•Will candle tver,t,"inO Call toll free: 1-800-760-2607 Or visit l mwcapitaionehomeloans.Lom Mon-Fn. Sam-li m, Sat, 10am-lour EST Reservation Number: 5068 041 137 :)}56 Ad?ertuJ annual p-rige ram h rilcove a 41A1280008 eml nrhj_ m Chang- a am time APR a in><.i on y xvi ama ri-ry, 52i13,3tl0 :oar :?mnunr. 8G%-win J 1122 loan-ro-mlue ratio and a 3L"-, 6-1-rnc fin,-Imn mon5gzagge Mon<hlr paymau rw diu rumple .s S1.:.38 Addmonal itmu and rarnaium:Fp1Y tQas,L nm C iMW line r. an NI-I Hwmrng L-lat kc n crac t aJJ, -W impunanr infomnarm.. LENDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation FINANCE Pre wous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Duc Date ( 52,978.91 _j$89.00 + $18.26 +C $0.00 - 52,908.17 567.00 ! Ital. 0220 0220 08 ) May. 08, 2008 - Jun. 07, 2008 Page 1 of t \ REAR nw M LI n,x N.xIVHr MastaCsrd Platinum Account 5178A572-6411.3791 Your Account Information TOTAL REVOLVING CREDIT LINE $3,00000 TOTAL AVAILABLE REVOLVING CREDIT 592.83 CREDIT LINE FOR CASH SM 00 AVAILABLE CREDIT FOR CASH $" .3 Finance Charges (Pkaseseem e;elbrirpatantifornetion) Bill- rate Pennock Conespadirg FINANCE applied so rare APR CI LARGE Putchaaes $79409 0.04425°/8 16.15% S1089 Cash $0.00 0.04723Y8 1724% 50.00 SpecialTrens 52,176.47 0.01093% 3.99V. $7.37 ANNUAL PERCENTAGE RATE applied this period: 7.38% Al?tk Al Your Servicel-800.903-3637 S To call Customer Relators or to repon a lost or stolen card Payments. Credits &Adosiments 02 JUN CAPITAL ONE ONLINE ACH PA AUIhDsle 02-J LIN $89 W Whether you're in the market for a home equity loan or you're interested to refinancing, Capital One will find a home ban wlution to fit your needs We offer great rates, no hidden rocs, and you will roterve the um -mite attention of the same personal loan consultant from call to close. Visit www ceprtalonchomeWns cum for more infornralim. 0 sad payments to- Capital One Bk(USA).NA ? P.O. Box 70884 U Charlobe, NC 28272-0884 Send Inquires to Capital Cx P.O Box 30285 -1 Salt Lake City, UT 84130-0285 Haw a question about a charge on your statement? Phase: refer to the Billing Rob Summry on the hack ofyour stalcmerit or visit PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W CAPITALONE COM TO MACE YOUR PAYMENT ONLINE. 0 5178057264113791 07 2908170089000087000 C.yA.a.?'I what's byour wapet/' Account Number 517"57216411-3791 New Balance (Mnimum Payment Uue Uate $2,908.17 I 587.00 JUL. 02, 20078 PLEASE PAY AT LEAST ?J THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA -4194- P. Q. Box 70884 Charlotte, He 20272-0884 779524482720884847- Fiestas print address or pnone number changes below using bkne w black ink. Home Phone Alternate Phone - E-mein address A k9016016180244724N MAIL ID NUMBER JENNIFER L WRIGHT 59 BLUE POND RD NENVILLE, PA 17241-9531 -172419531593- PI ease 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 $175 per month' • Lower a.erege monthly payment dxlm based on first ononrhk payee., on non•purchase loans, .0.1- of dosing Wsa, that closed between 10101!2007 and 03/3112008 Actual lower paymrne may wry Refinancing to pay off --rang del, may a¢end the norm of the debt, pnahly radnng in hngher overall costs and act,;ng the total amount paid when compered to your current situation. Offer mended for qualified applicants only Not all loan products or terms are -.41,k in A soars. The:nmal d-tig nm. may wry baxd upon the sum . which the prop...y a located Loam nAH c, .redo approval Thu does not mp-,n, an offer m --run y Ingo ag-r Raley and I,- -b)- ro <ha,rKe wohonn nonce 7baluca mP1;m?rca n/find by Capud! Onv Hume ianm, CLf: '?>OylB C:;mwl One Cgmm( Onr ?r x ;?ivrrrUr .r,r,nvrcrl:er??nr-; ..vas: ,q;l ,,,5u ,rrer.k.( Home Equity Loans I Mortgages Refinancing i Debt Consolidation 002 07a I Now. Mold •Firm- CkArga. a.GrwAParbd Youwalbmatounh ngra-pubdd 25 dmya wwgut Nnars dwgl, m craw puchaaaa, new la ilamam tnmidem. now WOCIM paachaw and Mw it. CMrSw m You Pay your W.1 7Seas', In acoaMrs wYh aba V-W Noonbaymarm bebw, aril h tons b N W It. Weave by Your aYnatlt d a dale. Tlrta Y nopwapaad m ea.h advarras and aPA,,N plaalera b addYara, awn Y nopaa perb0 on army tlarre,,idn N you an, oy ria but . ,mai.ma.' b. Aanda8 Fbana CWW Tnrawpola Mwh arm not ana)ad b A W- Parbd n asawad Mane dagl, 1) 6cm tlbdai. of ft laraacNon or 2) ken ft deft lib Nataaada W P -A-0 b your Acco ril or 3) from ft *W debar day,, Hal eVmn1 bap padod. Ada"Wf. N you wit rM Ply M'Naw Solaria' kom"WWAM blip pab0 to Am. 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Wit takdalm Yea aymataa daily babaWit by addvng el tA daily aWnw WllWa will &Vft on wn by dl, sv." d bit dye In M cVram Awrq cycle To aWupl, you W W Mara data,-apply yea smogs day abaee by Hl, daily paYOdk rasa aril by IM mmrar of dye In 00 blmq P.-, Par b rut _*V_. day bat W ia. to n imn- _di NmmAcalaagird- W aW Pon amourq oun, d a f__ owaa aalvmwa N aaad w um . .,,na1y waaw. 3 Ampad Ptowma. As.. WR) a The twa'AmaW PNUnialla Rata' may Appear "'APR' m th wool d Na tomaima,L It. N Iha each P f0abllary Palma L (Ouarby LWW). C lQuanarq CD), or 819wacald Pram) appan m ina kw of IM aMemrd rod to ft parlak mW.L Its W;,ft nuas Will mrmilpadYlp ANNUAL PERCENTAGE RATES nay Wy PaalaN mail may Yramaea or daaww baud m N. -WW Nitta w bud 1" The Waal S1nal Jam W. Pp Nam stop. prW, dYdwadbYou.Th- ohagw Wit a a1WctM moue And dy of your td WV period commit by Your PWJMk ablaaam wWkq In the macro d Jaaay, April. July And WOW e. 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BALLING RIGHTS SUMMARY On Caae d Eras W 0-lion aboul YOV am) if you boa yaw bit is warp, ar N Iou n -it ewe Idomolkn on a Yam mean a bill. wdla at ur m. awanat ahael a aoon a Pacaw al Yb aaarw for bwa1R Whom W. Imd d Yw ablarwm W. marl Naar wan You no Mt ybn BB dye ills! we sad You IM pia bit m vmmdt rib sum a prelims app's. You an W Orr Cu or- RalN o a narrbp or n.My u by elriai a waala, bur akta w wit not paawvm your rigw In Your lad-, aM u. NN/olo"M lronswuae par name and ategam mam.r, lib ddb armu m d t" aapa,,ad Nor.. deaalpgm d ya arm and an WWWO Mil poaNbi., ,,why you baiam Yrta is an MW: or Y you mad mum kftnAma oru, a dac 0-d ft ilam you an umura AbM You a nil ova to Pay any -most in Wanton walla wit an kamahol q IL bur you M s01 Pupated b Pay ab pm of your ba put era not in aramtlm WNN wit Irlvwr(p4 Your Pspon, Wl, cams regal Yen a dsYrwaM W lake ay action b West ab arngam You aumaden FJ1 Spewal Rub b Crodil Call puieAH H, II you loam a P,- WIb yaquamydpapwyWc m- Ihal you pupa aamo war a aadk an and You am triad b gooo lain b Wrnd p Proolant vrWa dl, mardml, You may tom pat dull not to Py"Hamiryq arnounidue- one property W -io- You hen orb Pivie b. Orly aWnarr lm pynabaA prka wit moo mare 730.80 am, bit pnndocA war nude In your ham alit. W audn ado rid" d your mull g Aarw fit wit n a opsra a ft nbrdarm, W N we ..Had you sae adv.d.~ wten popery or atvks, M ParJnsa+ -mil nprdw of amain or loallon of Pruclnaa.) Piaaa ra tanWa b Stan ON CartapWidtlcm i Doss not apply to soma are-,, a ii au Ali PvwaWackon se Caput Oro b O fadNWy -~ad a ,,aaa rust d Capital Om F-am Como mom. Al "grata Aran met i i 20M Caps Om kip-laad W. -4 at w MI bit M baml Walla Of tha "Mariana And Your dwdr In ft e aad bMwW mm your ibA . am d Wit Waba. ay wit realm D. ownda0ll !YOU - me Maa -10M and (2) Your Papwm Is neavad b our lagaft cbva by 3 Rm ET (12 noun PI) pm am pMN hat be(5)biaunaaa0"b PoaM MYmry pmplarm twamd yen al ayoYar beacon Wb Rearmanot wi aer."at ad bit MY am maM awn OW bl- daM to Mordar Ihggn Salui y. a.CkdWV hOYdi m abplw. PaPar CAM ak "Nan paprkq your paymaa. 7795244 FINANCE Pra`jous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,976.91 $89.00 + ">16.2& 50.00 b2 a+;8! 58/.00 Jul. 1}2, 2008 May. 08, 2008 - jun. Of, 2008 Page 1 of 1 MasterCard Platinum Account 5178-W2-6411-3791 Your Account Information TOTAL REVOLVING CREDIT LINE $3,000.00 TOTAL AVAILABLE REVOLVING CREDIT $9183 CREDIT LINE FOR CASH $990 00 AVAILABLE CREDIT FOR CASH $9183 Payments, Credits & Adjustments 1 02 JUN CAPITAL ONE 0111-I NE ACH PA AuthDate- 02J u' I S89 03. Whether you re in the market for a hone equity loan or you're interested n r financing, Capital One wtll find a tome loan solution to fit your neet We offer groat rates, no hidd:n fees, and you will receive the one-onions attenlon of the same personal ban corrs.Atant flan call to dose 'Aisit w Nw eaDitalonehxnebans cam for more nforrrelgn (Finance Charges (Please see reverse for important information) Balance rate Pem c Corresponding FINANCE Erplied to rate APP. CHARGE Purchases 579409 004425%P 16151. S1089 Cash SD 00 0 0472390 P 17 24. S000 SpemlTians S2,17547 0010330.6 399% S737 ANNUAL PERCENTAGE RATE applied this period: 7.38% Q At Your Service laUD33637 To cat Q,sbmar Rebricns or to reW a bst or stolan card 0 Send payments to: Capital One BlVSA),NA - P 0 Dox 70884 • Charlotte, NO 28&'72-M4 9 Send Inquiries to: Ca lal0..-- P 0 But 30285 - Sat Lake City, UT 84130-0 5 Q Have a question about a charge on your statement? Please refer to the &16ng Rights Summary on the back of your statement or vrk www ^aw4zbne tom/ckwu(es PLEASE RETURN PORTION BELOW WITI I PAYMENT OR LOG ON TO'MM.CAPITALONE.CONI 1-0 MAKE YOUR PAYMENT ONLINE 7795244 0 5178057264113791 07 2908170089000087000 CapltalOne h i't,,;r,urw iwn' Account Number: 5178-4572-6411-3791 New Balance Minimum Payment Due Date Please prim address or „hone number changes below using birre or blad: ink ( $2,908.17 ) )$87.00 ) JUI. 02, 2008 wren -- -- -------_-- PLEASE PAY AT LEAST Fame Phax -- - -- A/temate PM ne -- - THISAMOUNT --------- ---..- E-madad&b st -_ Amount Endosed ) t #9016016180244724# MAIL ID NUMBER JENNIFER L WRIGHT 59 BLUE POND RD Capital one Bk (USA),NA ?i?rr?trr?,?ir?n?it?? NEWVILLE, PA 17241-9531 P•0• Box 70884 Charlotte, NC 28272-0884 1lr'i 1111111111 1i,Jrihrfi 1111111/1 11111111111111111111 1I'lll ?l Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this oaupon in the enclosed envelope. What you're saving for ... it's just a click away. R Get there faster with one of the best savings Annual Percentage Yields (APYs) among the top national banks. Bank with Capital One. Go to www.capitalonedirect.com Please use Offer Code DFBJ488DF 500232 0 a R Capital 4ne® a Online Savings Account 3.50% APY on balances of 5,0,00„nrmn<e ?apiT?l(? MEMBER FDIC Capital One Bank (USA), N.A. Direct Banking Capital One, N.A. FINANCE Pre vious Balance Payments & Cred,ls CHARGE Transactions New Balance Minimum Payment Due Date $2,908.17 - $87.00 +` $17.27 +(- $0.00 =C $2,838:( 585.00 Aug. 01, 2008 Jun. O8, 2008 - Jul. 07,200a Pape t of 1 nuu nu ar uut Tres .vaouxr MasterCstd Platinum Account 5178-0572-6411-3791 Your Account Information TOTAL REVOLVING CREDIT LINE $3,000.00 TOTAL AVAILABLE REVOLVING CREDIT $161,56 CREDIT LINE FOR CASH $990.00 AV?AILABL?E CRE01T FOR CASH i161.56 Finance charge. (Pleasesee-.. brnywhsuisbmypon) Balance ote Periodic Cuoupordig FINAh1CE applied to mtc APR CI LARGE Purchases $793.72 0.04356°/,' 15 9W. $10,37 Cash $0.00 0.04655%8 16.996/0 5000 SpecialTrans S2,105.41 0.01093% 3.99% $6.90 ?NNUAL PERCENTAGE RATE appirod this penod7 I S% Alph At Your Servica 1-800.903-3637 To call Customer Relations or to report a lost or stolen card Payments. Credits & Adjustments 1 02 JUL CAPITAL ONE ONLINE ACH PA AothDatc 29-J UN S8700- Whether you're in the market for a home equity ban or you're interested in refinancing, Capital One will find a home loan solution to fit your needs. We offer great nice, no hidden fees, and you wt 11 receive the one-on-one attention of the move personal ban consultant from call to close Visit www.eapnalunehomeloans.com for more information. o Send payments to- Capital One Bk(USA),NA P.O. Box 70884 ;, Charlone, NC 28272-0884 A Send Inquiries to Capital OncEl P.O. Box 30285 7 Sell Lake City, UT 84130-0285 Have a question about a charge oe your.lat menrl Please ¢Er to the Bbg Rights Su miq on the back ofytxr statement or vrsiMMWSA0tkigM,,M%,,= PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. C. Pftw Jw I whet'rm your waliet7' 0 5178057264113791 07 2838440097000085006 New Balance Minimum Payment Due Date $2,838.44 $85.00 Aug. 10Aug. 28008 PLEASE PAY AT LEAST TH/S AMOUNT Amount Enclosed Capital P.O. Box070884(UBA),NA *4214* Charlotte, NC 28272-0884 7795244282720884847* Account Number 5178-0572-6411-3791 Please print address or prone number chengas below using blue or black ink Home Phone Alternate Phone E-mad address #9019016180244721# MAIL ID NUMBER JENNIFER L WRIGHT 59 BLUE POND RD NEWVILLE, PA 17241-9531 *172419531593* 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. Caplta_J?` Direct Banking Open your Online Savings Account at www.capitalonedirect.com. Please use Offer Code DFBd488DF Capital One Direct Banking-banking that delivers. High Yield 6 Online Savings 4! Rewards Business L Sf Moray Market Aecount Money Market Money Market ADS * .As of 06'02/08, if dye dally balance Of ears money market account. 310,000 or more, the eAPy was 15o%; :: Ices then She APY was 2.50%. Minimum inrUal deposit amoral is; 1. TCmu and conditions of this ot7er may change a any Came. Riles arc variable and mv change at any time Withdrawals by online transfer are limited to ;ix per calendar month. This product s offered by Capital One Bank (USA), NA , and Capital One, N.A, members FDIC.EBE? ?QiC Capita) One Bank (USA(, N.A, 0 2008 Capital One. Capital One is a federally registered service mark All rights reserved. Capital One, N.A. 002 07 I It" b Avek) a Flrrrca Champ a.Crre FOOW YW wN hM a myilman grade ptrbd d 25 day. wft o e Ananea drpt m riew piadhr». new balyda barirare. now spool Moee" and eew trove dnrg» Y you Pay tow tdea'Naw D.W W. m saa0rrea wAh be kePOdarN Nptin W pay"'"" briber, and b Mw for N b be aedaed by I- oarwrm duo date. Thre Yro gran padded mash a-. and.PadW barulara. In a1dN«L men M n Psis parka mCry M-Al- It 1-do not pay Ilia a td 'New BNree.' b AOadrq Flrwst Cargo TranaWma WNdtere Wirt aiARd b • gran Prod Are aatewtd &_ Wq. 1) Irorri ma dab a the ariaardldn a 2) here Nw date the trenaenYm b Pocae"d ID WeirA«a "a 21 from Yr that rnlYlder dayd aw pairs b" pabd AQ 11" Y y«r eb not peer t'Nw eabrdar Ira. itw PrevWw baba Prod In hA swipe dwW Comoro bapahw b Yaw wad beer-iad be tailed balann Y paid b kA TNO neyw YW ym "sea aw Are«a d.,.. eiwn Y you pay 1M said Nov Beerrna M *MW mew free dY«a W Wwrd by 1M ptyanta dw date. W did rdl it. w W are, Perbw -rift Lepe,d A»ride h g» are added bite Wtilkable aaarrra of dew Aire. C. Iakemar FHare Ceara For aaot Nwp P.1w Mel )our aadlee be atgp b a aired Cher", • mlmmwn bed PYiANCE CHARM d5&50 ova be bposed a TMPrpy R*A*d art M Fk%e a Ch&Mw We r..ava bw two b rat reetwa arm «aN I- dl.rg» I« any gratin 10" period. 2. Daily Bat-Imeleidlrea Nor P-haa») Flnarra ZW Is nil JWd by rdMpOV tire drey Iiiiiiaeov edienupPtaCnari, (apadal WWWW, rd apacW purCAwa) by IM mniepofi0kq they Periodic ratan) uaN M been pravidMY?di gddoaM W pa N pre ertl d Mli day dwenp PPIy tle Wily' parledlc rr. for tied, aWrrwM d Ytaa acooiae I. M deay tale tit .0 saprem. Than A g- pay d ee WNW Parb4 ws add up Nia r-A. d thee. daily nkdagrit q-W. e, Ynr pared,` Arne deg. kir -h agrwit . We add W oar rirab it-rip dt easpar l b-Ne N Ye bbl partied awiw d-pri ter dew sdtdum. T. ga 6'q de,y tie,rde b each etpnNe d low a.-.k ova titi tlia bapmwq ,i.- W pad, taPiwN sae add airy irw trawcliont and erm partook Atlanta dwga"*jakid m Nw P,- days b w- W bP "W'.rl We then a &,.a airy paynww or aeob poked ae d IM der dW M ear ad b mat saaatrN. TW ghee r the -Were, dally bat- I« .am aaPrterN d Yde a«dieiL Hanvr.Y you Paid ms Nave Babied 6lhovdt m Y«6' Prerbuf aalamrd b k6' 1« d your now abrds wr sere a a aedY am«dl). new dari.adldrw, whkh Poor III Yee mechw or pKial Pacwe eagmrw re rd added b the dally aWens. We cekiAab 6'e areiepa dsiN bNaidri by adrrq Y awdelly the in kgNler arxis dMdlq per ran ay tlw raatDar d 11" ? darip Cycle. To Cakt4b yore bbl A'Ia«<drrP. nwiN4y Few wraps daily bei- by site dab Piab6c red aid by Yw reatder, d dare In tlw N*V Period Dn b mm*q m a ply ee "bob: duo b rrdatbm n-Aft ukd ai tl aaia b q- d-" drnayabof -kisy rated. on Ral» UkPIC d. Araliarm 'MaaW Parrantap. s Ptrt Raga Ray may aapraa'APR' on Uw liml of tlNt atalemenL b. II IM des P (Gutday Pmee). L (Owrtedr L19011, C (owrtay CD), a S IaW*=d Prin e)appears mew trorN of bw sblamara Cad b pro aedddk n.(tl, me' r rats W ConaspanYiq ANNUAL PERCENTAGE RATES m" vary ere ia"r aed Rey kpreaee err daaeaw bated m de spied kidecee.» lrec ki Th. 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Wow gr.wn. w. nrm r.POn you ee delvqutM a take any peen b mNect [M amwA )oar Aueeeeliart n SPgN Ayr br Credit Cad PNClratw if You be" a prpNein w de geaiay of prrpeny w sirrb» trial )kw piecNfad web a «edl Card Arid you Mw bled in good INm b nnrid me Pmbbm wid, the m..l -L you -Y I- the "rat b pay eve -..*v amore dud m bb prgmy « -Icn. You have mb prpted'drt aAy wtien Ilia purdra is Pica wpb Cadre sew r1A.W end 6'w purda.e was made b 7,- III «ipWn 1 W ma» d Wow iallhq odors»own ti rap me merCMN, w b we nuikd yw tied adraawnwe IP t/w property w.avk», sit pucieera am oaord iw reWmba a ammaA w bohka, d We _.I He- r berbslpn am Con»paresnra. U Doe rbr eppy b buaieeee »c«ab Capital Ogle suppwr I.A.-tion privacy Pdeclron: ova parr w'eb."id idisatao0agm.rmm CePlal ore it a lechery r9abler0d aerwca mail Of CaPW One Fit-Cal C-q-1da AN rfpla. re.NVad a 200& CapAal One Widener rd rwlMaprila)w rneN to w w l a cabled q pa »ei kre a Rr larbewoaY ova Rostov n, Ppiided n) pu.aid ur by 5 Risk ETT( 2 iteitiergo red, am naek b lia aJe radlbide awaloW and (2)1w MRnen le mcrred In oar 9--i g rrAN 11 PT). Per. ram r bar 6'w (5) buaatata iwye W potrl daN+r Payawee rrierwa M w ea rd" dha l«alion w b pry pmar bmh it" ride be a Ihed a. of the ay ova rsai a move i7a biakweewre w Mwidar ttaagb SNUdaY, a.ekidnp hoid-h Pbaaa n movaat*OU- PWw dip, W. Man drspsm9 par paymae. 7795244 Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Date 32,908.17 -? 537.10 r j $17.27 O.vO ?2.3?8.41 'ob.00 Aug. 01 7808 -- -- - -- Jun. 08, 2008 - Jul.G7, 2008 Page I of 1 MasterCard Platinum Account 51764572.64113791 Your Account Inforniation TOTAL REVOLVING CREDIT LINE $3,000.00 TOTAL AVAILABLE REVOLVING CREDIT $16156 CREDIT LINE FOR CASH $90000 AVAILABLE CREDIT FOR CASH $1G1 :iG Payments, Credits & Adjustments 1 02 JJL CAPITAL all OPlLIi JE ACH PA AuthDate 2r3J U'1 ---- - ----- Sg7 pD. Whette you're in the iiarket for a tame equity loan or you're mlerest5d n reknancrng, Capital One rail find a home loan solution to fit your nails 'lie offer great rates, no hid:L-n fees, and you vAN recewe the arre-0rw w attention of the same personal loan consultant from call to else 'Asil eRw caoftaloretamelcans corn for :pore information (Finance Charges (Please see revere for important information) Balance rate Periodic Correspordirg FINANCE applied to ;ale APR CHARGE Purcl-eses $79372 004356%P. 159D% S1037 Cash 5000 O'0w113PoP 1099% S000 SpecelTrans 52,10541 001093% 399% Si 9D ANNUAL PERCENTAGE RATE applied this period: 7.15% ilz"N W At YourServke 1-800.9033677 To cal Customer Rebrone or to rwort a het or stolen cad 0 Send payments to: Capdal One Bk(USA).NA • P 0 Boz 711884 • Chtrbtte, NC 28272-0684 Send Inquiries to: Capital O?? P 0 Sac 33285 - Sat Lake City. Ur 84130.0285 Have a question about a charge on your statemene Please refer to the Boling RghG Summary on the back of your statement or vnd ffiftWodalane oom/ot;Outes PLEASE RETURN PORTION OELOOV WITH PAYMENT OR LOG ONTO VW WV.CAPRAIANE.COM TO MAKE YOUR PAYMENT ONUNE 0 5178057264113791 07 2838440087000085006 Capitalow, whars ,;n?,. anero. f Account Number. 5178-0572-6411.3791 New Balance Minimum Payment Due Date Please print addressor phone number changes below using blue or black ink ( $2_,838.44j X85.00 , Aug. 01, 2008 Address _ --- PLEASE PAYAT LEAST Home Pnarre ---- Alternate Phone --- - THISAMOUNT --.- .. Amount Enclosed #9019016180244721# MAIL ID NUMBER JENNIFER L WRIGHT Capital One Bk(USA),NA 59 BLUE POND RD P.D. Box 70884 NEWVILLE, PA 17241-9531 Charlotte, NC 28272-OBB4 7795244 irririin1rniiurrrirrlrlllnrlrrlrLrln6rllrtlrr61llnrli Please write your account number on your deed( or money order made payable to Capital One Bk(USN,NA and mail with this coupon in the enclosed envelope. r Home Loans Refinance with Capital One' 500238 Call toll free 1-800-760-2607 or visit capita lonehomeloans-com Earn Spm EST Mon-nt.; Sat i.Dam-ipm EST. Reservation Nuinbe': 5088 071 041 1312 '.1d i n I I r- t U6 / (x18 i J K h ga . .. R -i I I I' 1 to I v "I'- l to die ' dl}ri- 1 1-rr s f- or tr to II f. rh d .rl ?I 1 iq.n 14 I. " h.. I I-. ,aih, SIIU 11 1 111 501 6 r I l A I Y I MY 1 ,I Mc 2tJ1 l A LI d 111 -111 ..I . , I C., 4 .,? I!, .,lc1 ,. IJ ,.._,1 CO- •' { f t1 l 1 t: 1 I - 11 ?t?rl xOUiiMG (a d (hl_ >,'I L I rd 1+:I'I r o.r. ?r.,..or.•. i,,i:d Ipl ',n :nlor l.1:" IL -NOErl I;nree 1 r:an; )r;;i rtgnq p; I Rphnancing --h C:;r;pl„ I FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,838.44 -? $85.00 $18.85 $150.00 $2,922.29 \? ( $87.00 ) ! Sep. 01, 2008 j Jul. 08.2008 - Aug. 07, 2008 Page 1 of 1 MasterCard Platinum Account 'I WE Prr A- I?AST r as •1VOL-1 p C 3 517&0672 6411.3791 ayments, redits & Adjustments 1 01 AUG CAPITAL ONE C!,11-EAE ACH PA Au Cate 01-A LG Your Account Information Tra nsactions TOTAL CREDIT LINE TOTAL AVAILABLE CREDIT $3,000,00 $77.71 - 2 BALANCE T L1r1SFER WASHIPIGI Of] I i J fUAL gi5? xj CREDIT LINE FOR CASH $990.00 ? AVAILABLE CREDIT FOR CASH $77.71 I Finance Charges (Please see reverse for pnipOrtarlt i)formation) Balance rate Period Correspon*g FNANCE g4Aiedio idle APR CHARGE P,rrchases 58135.50 0.04356% P 15.90% $11.95 Cash 50.00 0.04655% P 16.99% 50.00 SPecialT2ns S2,W4.59 0.01093% 3.99% 55.89 `ANNUAL PERCENTAGE RATE applied this period: 7.75% 9111 At Your $ervice • Go to to manage W aomxt U2 or Cal IMO-903-3637 to report alost orstolen card mspeck bOrslow Relations 0 Pay Online at amail Wpaf ta: CqM 0- Be* (USA), N.0. - P.O. Bm 70984 - Ca t&, NC Send Inquiries to: Caphd One• P. 0. Boot 30285 • Sat Lave City, UT 841300285 Have a question about a charge on your stateirmt? Please refer to the B& g Rights Summary on the back of your statement or vise wrnr.poilabne con?disaRsa PLEASE RETURN PORTION BELOW WrH PAYMENT OR LOG ON TO WWW.CAPITALONE,COM TO MAKE YOUR PAYMENT ONLINE. 7795244 0 5178057264113791 07 2922290085000087002 C'ap+iMOrtc I ,•+nar? n, ?,n,,.?n.n> Account Number. 5178-0572-6411-3791 New Balance Minimum Payment Due Date Please print address or phone number charges Wow using blue or black ink. $2,922.29 $87.00 Sep. 01, 2008 Address PLEASE PAY AT LEAST Home f'rwire ----- THISAMOUNT Rlte ate Phom ?? Fruar7aJtbens 3n - Amount Enclosed N9022116180244724ii MAIL ID NUMBER JENNIFER L WRIGHT Capital One Bank (USA), N.A. 54 BLUE POND RD P•0• Box 70884 NEWVILLE, PA 17241-9531 charlotte, NC 26272-0884 1111"1'111'1'1111'IIIIIT11111rITTll1'I'lllll'llll"II'llilllllll 11111111111Th'Ilh''I'll 'fill II0IIIII P11'IITI'nl11v11lrll Please write your amount number on your payment made payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. ? Upon approval, guaranteed FIXED rate for the life of your loan ? Customized loan amounts up to $1,000,000 ? Personal Loan Consultant Don't forget you can use your home's equity to consolidate debt, make home improvements or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $250 per month.` ` imcrr erring,: o nrhly p.,) r claim hasrd nn firs. o o'li's paymeor in ndn-purrh:ur Irons, ?rlmice of rinsing to-, Thar ,laced hrnsrrn I I!M [g00? . nd ( Van/20pd. Arulai lur:rr p,) mr s: may -y. ILrfinuhriug to pay i+f(rsi?tim, drLt mac tented thr Iran of rho drbt. )a?ssiblp rr..uhing in hi+,Lrr ocrrall cosu and in. rr.?shiK d,, total ar.,caim [lull Msull umgl:uul a your Curran suraninn. till,, imcudcd for rIIs,IVillI apldii:mi., wdc. Nut :dl loon pmd us,., ur icon, ,,, .tai I., III, 61 ill .enc.. TI ,:a ucd lira,.. rte„o v.ir, Laced upn I 0 1, ?.:m !r ,ah61: ILc pn,rx nc I, lacarrd. Ls::ds subl:a I -I -dB app-A. 116 dory wn rap su. a.I oily, to auto tutu u luau q us"a. 14r?lust:, r,nr.: and tort n., sbi- to cliaugl ultbuut uo(i.C. !'. ad'.. I..ue.r -. •rrrf lq (.,y+nnl Uu, 'lo.u<• tr ?. LLC, I ..?IOn (.;,J,rr?r/Uric (,rJ.irnl -1 4.1 „llh , Lisa ?,.,[ ,,. n. r,nA .{,r ,,; •7•r.. ,,,.,_ PcmP I oan; I `AnrgngP; Refinancing ; )aht ' -w-tat 2n 1. How to Avoid a Finance Charge. a.Grace Period. You will have a mihknum grax period of 25 days without teams charge on new punheas s, new balance transfers, new special puadases and new other charges It you pay your roral,?,sw balance,. in accadancewlth the DrQoriranl Notice for passional bebw, arc! In time for it to be credited try your paynhara due date. There a rte puce period on cash advances and special translate. In addition, there is no grace period on any transaction f you do not pay the total 'Nav Balance." Id. Acmti g Fiance Charge. Transactions Which are not subject b a g71ca Period are assessed fire nw charge 1) lrtxn the data of the transaction Or 2) from the date the Irons Is Processed to your AcovIu t or 3) fronn the first calendar day d this Conant b" period. Ad itgraly, it You did not pay Ithe'Now Basra" horn the pmr'lous DaMg period in full, finance charges continua to accrue to your Unpaid balance Wad the utpald balance is paid In fWt. This frown Bas YOU ITMY aM OIYB rerasucgagW, even f you pay me shies, New Basfre i dicelad on the front of your statemers by the payment due data, but M not do 90looms preworn molten. Untold 1sanCe Charges are 80ded to the aPPOCy7e $89RMa (A yolrACOWa. c. lfdnum Finance Charge. Foresch tilling period that your account is subject lo a fgence, chats, a rrfnilWn Idol FINANCE CFk4RGE of $D.50 war to ishimad. d. TOMPIC nary RlOUctlon In Fne"Charges, tub mwve the right to not assess any 1411 finance charges for any ,,-Doug P... 2. Average Daly, Balance Undrdelg Now Purdasas). Flrance Charge is MbLft ed by roMMIYOV the Ideas Cadence Of each $"nlent d YaW aCCOM (9.9.. Cash aw-. purchase. special tomes and special puchase) by ills cormaWidi g daffy Periods; rate(s) that has been PM U,Iy disclosed to you. At the and a each day drag the risking Period, ww 64" to day Periodic rats for each eeililo.A d Y- uavW ri W the daily balance J( each ssgrtenL Than one end of the belling period, we add up the fasufb of these daily calculNpna W arrive at your PKIMIlc (IWMG Chahde for Bwft sagrteft. We add up the ra "from each segrtem b anve at the total pw"4 finance charges for your account- To get to daily balance for each seRrarlt of your a MAM we take the beginners Lew" Weach segrrerd and add any, new traraxtiwro and any perb9c skiers charge cakWated an to previous day's DWUCe (or ilk seghsht. We then subtrai wry PsYmaMs wCredla posted as d that day rat am allocated to that segherlL This goes u4 to "Plifele daily telance for each Segment or your account However,. you pad the Nee Balance shOWh On your previous statennerst In Kill for is your new usanda was zoo ora credit arhnunl), new transxtiap, Which post to your purchase or special puchae segrtaMs as not added lathe daily baarncas. We Cak.Wale the avwage dsily Dalarroe by adding ON the day. bWrwvs togenw ed dwdkg to sun by the aWYrtse d the days in the wirahi lashing cyce. To calculate your (oal 'nmce charge, -R" you average day balance Dy the day periodic, rate and by Ire numoa of days In the Dreg period. Due b nou clis on a day boob or due to meriN ut t finance cnage assessment. them may to a vankene belweetl tale Calcination and t* amount of finance Charge actually assessed. 3. Annual Percentage Rates (APR). a The term "Annual Percentage Rata"nay appear as "APR' on Ilse front of this statement. b. l it* Coda P (Wataly PIII L (Quarterly LIBQ K), L' (Cuerterly CD), Or S (Bank ahl Prkre) appears on the r'on[ of this alatWTWA rwal to Use parioaP ral"N to periodic rates aid cOrmspotding AN LIAL PERCENTAGE RATES may vary quartely and may ncmase or decrease based an the stated Helices, as found in The Wall SIrwA Journal. Plus tree margh pmbu%ly disclosed to you These Chagos wit ba period covered by lyaoduivr efpst drydyaw Oeling shakos Willing in the rootlets of January, Apra, July and Ca". C. If the Code D (klaahly Pare), F (kbrshy LIBOR), or (Treasury LIBOR) appears On the frmt of your statement reed to the periodic ,ale(s), the paiOdM: rotas and corresponMng A144 A4L PENCEN IA.Ct RAI eS tray vary matlhy anted hay increase or decrease based on the stated Idles, as round In one wait 3he91. 01", pros the magn Pr esmay disclosed to You Time Charges wig 5e egadive on the rrst ray dyor biting period each month. 4. Asseasmam or Late, Ovenut area Returned PaysrwrR Fass. Under the Is- or yours siciref ggreehwra, wa nesen , the right to wawa or not to assess any fees without Prior notification to YOU wstoutw'aivirg Our right to assess the sane Oraeelaf tees at a ww tare. 5, Mttrtteshp Fee and Rwewag Your AL m. a a herrtershdp fee appears on the saherthent We wil credit the fee f YOU request b Close Your accoud within 30 days of to mailing or the statement. You may continue to tae Ue acCOU t during the 30 bay period before you request If you do not pay ag charges owed on this accoum with in 90 days. X f you We your credit card or account after you request to close. arty manbership fee romI,0usy waived may be mrnstated to you acco sit. 6. CbskV Or Susplendng Yow Amount. You may request stmt your account be chased by calling or wUSg our Custorer Raafnns Depa l-It. At the Inns of your request wit Will provide you with additional chats on casing your =CMri. This may tncluc a paymet saarratbt ryou use You, credit card orchages poet to yea-ud aft. you ask us to Mile Your account we can keep your account open o reopen it. We nay close or suspend your -st and you right to Obtain CRdt We may do this d erg hrre and tw any meson, even It you tie not In deaut A $Uapetlsb 17 your account Can be pernish test ortertlnrrary. If your account Is Closed of suspensttl, you must stop useg your Credit Card and aocourr. You must aim cancer all p isulinnz.! rust ahatgenams to the account. We wig riot do this for you. k we close orpe+hanently suspend your account, you must aim destroy al credit cams and aaoua access checks. You limit 30 pay air articude you oive us on the account. even it they were, Charged after You' account a closer! or suspended. T. Maksg Payments. Paymsnls you rhall to us will w coed'fed to YouracaWa as of the busses dry sse recewe s Provkbd (1) You send to bOIbM portion of jib sat.neM act Your Check h the enclosed rarridence, ayotope and (2) Yom' PRY-ant i receded in ow processing center -, 3poh ET (12 ,non PT) Please aII at east owe (5) brssess rays for postal delwsiry. Paynems received by us at try Other lomaon or n any dnerfotm may not be creddad s,9 o rte day We mce" them Our Dusnsies days we Monday tnrou9n 6. Notice About Electronic Check Conv.sbn. W ten ydd Povidn a rdhxic as payrter s, YUr aWlsa irw us :IC a to use ktlorn stion from you check to.•nake a ona.tire electronic ford tm.lw ham yowdep-9 3=LW onto P'sC"s the Mania as a check to i saanon. When w'w Use Insrsds a son from your check to make an electron, fund transfer, fW tde nay L. wMAT", r- your deposal acCOWt as soon as Use Sarre day we receive your payment, and you WIN IM M"e your chick CWK f(om yOw financial Institution. Your anIDhcrastion is not kneed by the rate on the check We hey nesubrraT and electronically collect returned payments. 9. Baneupecy. l you are washed to banlvupcy p!olechohd fa Your accaeri, this corsrlunr:atid'n s Orly, for intoonationa! Purposes. It Is not an athanpt to collect, assess or r er a debt or clash. DO not send any Paymntb dim* b us Without speaking with your bankruptcy wom y o tra Batk.uplry COUt g you wean W =)MCI us awtA your account OrYour blkftkhn:y Proceeding, please have your attorney Contact us, tBIWNG RIGHTS SUMMARY (In Case of Etas or uuegaon5 acout your, Bdl) If you think your dill is wmng, or dyer need more Irfomhabn oo a Lanaactlon a be, wnte to us On a scpareo sheet as soon as possible at the address for inquiries shown on the frot of this statemam. We heat hearnorn You n0laa than 60 days after we sent YOU thw fitet bill on which the ehoror P:oblern appwsm L You can cat our Custortwr Relations numd. or nWfy Ia q smal Of webste, btu doing so wit not preseom your rights, in Your hsaer, give us the tOUmv fig imomW loo: yournarnsand aCCOUt aaaiDef, the dollar Whodunit of the suspeced error, a deeCflplbn of the error and an mplanalon, t possNoe, of why you believe theme an error: or t you need - s lormsaon, a description of Use rem you am unsum alnuL You rb nol lave to Pay ally arras in questaat while ova are awaslupl g K, out You are still obligated to pay the Pais of Your bill that are not in question. McI9 ww imestigae your queshosh, sw cannot mpdrt you as delkquem o take any action to collect the adoura you question. * Special RuW_ for Credit Card Puntases t you have a Poolem will the quality Of Ovuery v sansxs that you pta!daaad will a cmdk cad and you haws Vied in good raisin to correct the Prob eht with the ,oar Wfi, Ydu hey havo the right rot to pay the remaining amotra due on the property or, services. You have this Protection ony when ins purchase pica Was bore than M.00 and the P mhaee was node is your Marne state or within 100 rifles Of your maasg address. pt we own or operas the ma'ore s or It We shoodi you the aWwalSaran[ for the Property x sm ice,, all Pum11as. am covered regardless of artwm of kacaWo d puchase) Plows remehfer to sign ail cormspadane, f Does rdr apply to business accollnR Capital Ora suppda irtfo-rtetion P ivacy pnotectiof. see Ow wetsrie d wwW.Caoaalone.com Capkal One is a feIdaaay A09ster9d service me'k a Caplan @e Financial Corporation. All rights reserved. ic 2 WO Capkal one olo)nea?- supaDSSNOkse: P,pwwrtyaurrcabus dekila'"Neadheesounotadnahnamutacdhabkuaxds+, +nrwwrRpolrlsd (llyw artlsw bJbm µe."02staavmsadydu ahahUewep,.adz)y+.v pnra.Ieruanmhihus, puxa;yma. D! r pm. ET (12rmh Pf). PlseiyklW Y sat kv (a?Ybrr wav dips rapodalddewy. PaynhWie re?.adq ar a ayufher bada+uih Oy roar fora ahoy not bsrrWmdadkadeywe hscrwss+arr. grbstramdd -lbdyssnaghSain6',-u}gfnkbs Pisasdordnwstarle, peer diss, W- hot fmtesgyur palter 7795244 FINANCE Previous Balance- Payments & Credits CHARGE Transactions S2,$118.44 - 585.00 r r' $1 $.85 Jul. 08, 2008 - Aug. 07, 2008 Page 1 zDf 1 MasterCard Platinum Account 5179-057244113791 Your Account Information TOTAL CREDIT LINE $3,000 00 TOTAL AVAILABLE CREDIT $77.71 CREDIT LINE FOR CASH $990,00 AVAILABLE CREDIT FOR CASH $7771 t Finance Charges (Please see revere for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE' Purchases 588550 004356%P 1590% S1195 Cash 5000 0.0461 P 10.991. 5000 SpecWITrans 52,034.59 0.01093% 399% 5689 ANNUAL PERCENTAGE RATE applied this period: 7.75% o At Your Service - Gu to rvwrv.auAd>fre.wn tu urac{pyw azwl, or Cat 1-=M33837 to report a bst adobe cad or speak a Customer Releiats 0 Pay Online at moo ceortab;e.can or meiipam ort b. C*" One Bark (USA), HA • P 0 Boa TOW • Chabtle,140 28272-W Sam Urquid" to: Oapeal One' P 0 Sox 3021 Sat Lake Qty, UT 8413MM Q Have a question about a charge on your statement? Please refer to the &Iing Rghls Summary on the back d your statemenl a and www ua0tabne oorn/dsoutes New Balance Minimum Payment Due Date _=.922.29 S87.J0 S.p.01. _008 Z'Sr ;I's Payments, Credits & Adjustments 1 01 AtJG CAPITAL CPIE Ol WNE ACH PA AuthOate 01-A UG - S85 00- Transactions 2 20 JJL BALANCE TRANSFER WASHIPIGT OBI MUTUAL ---- - - - -515000 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VWWV CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE 7795244 0 5178057264113791 07 2922290085000087002 4:apitYaili wr,ar...n ...... waive' Account Number. 5178-0572-6411-3791 New Balance Minimum Payment Due Date Please print address or phone number changes below uungblueo black ink $2,922.29 ( 887.00 ) ( SIP. 01, 2008 Add' -- -- -_ _.-- PLEASE PAY AT LEAST none Phone a/temate Owne THISAMOUNT E-mai/address ? Amount Endosed - #902211611302447244 MAIL ID NUMBER JENNIFER L WRIGHT Capital One Bank (USA), N.A. 59 BLUE POND RD P.O. Box 70884 NEWVILLE, PA 17241-9571 Charlotte, NC 2&272-0884 IIII"I'tll'I'IIIlrlllll+lilllrl"III'1'Illll'Illl"II'IIII11111I 11111111116II'11111'IIIIIIIIIIIIIIII11111111'll'I'lllll'lllll'll Please write your account number on your payment trade payableto Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. 6.65% APR* 500205 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Mortgage. And here are some of the ways that Capital One` Home Loans takes out the hassle: • Customized loan amounts up to $1,000,000 • Guaranteed FIXED payments • Personalized Loan Consultant from start to finish No Hassles From Call To Close Your Personal Horne Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2493 Or visit www.capitalonehomeloans.com Mon.-Fri. Sam-Bpm; Sat. IOam-1 pm EST Reservation Number 5098 041 182 9637 -AJ uci.:u r?r -IrK li r a I11 l 3.rlb- J.L I I vF: ?.1 i I r ?:,) ?.?.u.u. r?. .?.? =ruu awx, 1`:P 1:x, .,n Fqual rI. „- c m,.> r - C.aP(ta1 LENDER Home l..?,t ?Ir+ttyaye 7efinancing i i)?bt cons,imae?,.n ;i„Me _uans FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date r $2,922.29 S87,00 + $20.16 l+? $39.00 $2,894.45 $86.00_ \Oct. 03, 2008 Aug. 08, 2008 - Sep. 08, 2008 Page 1 of 1 ?- -? PJASr NY A- L,:Si rIIS .U'.Oi MasterCard Platinum Account 51ITS-I 72.6411-3791 Your Account Information TOTAL CREDIT LINE $3,000,00 1 TOTAL AVAILABLE CREDIT $105.55 CREDIT LINE FOR CASH $990.00 AVAILABLE CREDIT FOR CASH $105.55 Finance Charges (Please see reverse for important information) 1 Balance rate Periocic Corresponding FINANCE applied to rate APR CHARGE Purchases S950.14 0.04356"% P -15.90°% S13.24 Cash 50.00 0.04615%P 1699% So.OD Specialirans 51,978.03 0.01093% 3.99% 56.92 ANNUAL PERCENTAGE RATE applied this period 9,28% Q At Your Service- Co wpb manap your axaA a Cat 14D0,95-3537 to report a tat or satin cad or 4,9& to ou9am- Heetcos 0 Pay Online at y)gtpar mail cyan payment b'. Capital Oro 8.* USA), N.A. , P. O. B. 70984 • ChaUrW, NC 28272-0894 ® Send Inquiries to: Capital Or ec P.O. Box 30285, Sat Lake Qty, UT 8413D V85 jj/ G Have a question about a charge on your sfatemeM? Please refer to the E&V Rights Summary on the tack of your statement or visit www?-lpitabne coMClisade3 "Important `btice- Your account was past due. Under the terms we previasty di to you, if your account is past due again in the next 12 billing cycles, your Annual Percentage Rates (APRs) may increase. Payments, Credits & Adjustments 1 04 SEP CAPITAL ONE ONLIPIE ACH PA AilhDate 04-S EP Transactions 2 01 SEP PAST DUE FEE -fig Op0 j You were asoo cd a past due fee because your minimum payment war not received by tra due date. To avoid this fee in the fulure, we recommend that you allow at least 7 business clays for your rninimum payment to reach Capital One. Are you interested in refinancing your current mortgage? Capital One can help. We offer great rates, no nidd?n fee;, and You will receive the one•m-one attention of the same personal loan consultant fro n'3II to ChGe. Visit www.caapitabnehomel m com for more information. PLEASE RETURN PORTION BELOW WIrH PAYMENT OR LOG ON TO VW-AV.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 7795244 CapitaJOtte `r?ar`II'y^"r.allat,. 0 5178057264113791 07 2894450087000086005 Account Number. 5178-0572.6411-3791 New Balance Minimum Payment Due Date Please print addressor phone number dnarw below usk,y Woe or black Ink. jes i j $2,894.45 \ $86.00 ( Oct. 03, 2008 I eygh PLEASE PAY AT (FAST THIS AMOUNT Home H'rone .Wtemate Hwre M ----- _ f-rnm7erh/rrss ? Amount Enclosed #9025315180244727# MAIL ID NUMBER JENNIFER L WRIGHT Capital One Bank (USA), N.A. S9 BLUE POND RD P.O. Box 708b4 NEWVILLE, PA 17241-9531 Charlotte, NC 28272-0884 Ilrlxllllllhrllnxlnlllll1ldrlllhlnilrxlllhPll°IuIrrIl? Igdielt11,11FIIIII-IIIlNN1IIIH ltultftrdrlr111'1-11 hill Please write your amount number on your payment made payable to Capital One Bank (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 $250 per month, LOwri :r:rnagr uluadd., p ),I-ii dalul based ou Gut "muftis pa}wcn+ dun uuu-puubasr loam. cs dusiw of dosiug vests. duL dosed brtwcsah 01i0li2008 and 06.'30POO8. :lemal In—, payrn- may 1-arp. Refir ing in pay nff rsisring d:hr map exmnd the rem nt hr dehr, fi-iblp rrsidrmg in higher --i- l roses sett ii r..uinp rho rural amnnnl paid when aempa-1 LO roue cuu;m siuueliun. , Off. r- i r, nJ; d her rphditi, d :q,pllcmn .,n ly. No, all IOan prod nr rs rr v rms an::rv:dlnbl.? in:dl a:ms. Th, :u. ud dieing rim.-. rren varc b i-d rrp.nr 111L' .rn.-. it rvhirh rfv 11111111 ,11Y is located. Loans subject Lo astir approval. this does not represent .tic offer L° ruler into d loan ^.gi,,nitril. Moducis, rata and hints subj- to ch-gR ..inhow no+icc . mr-d d ,err uli?-rr !.?,iro'l7nr lrour.•L r_?Li nix r'.,n ':.?l n. . n, ;. ,.i .. .,.-,. ._ .. Herne Luaus Murtyages d?Fnanei r.g i Petri L_nsolidaliun 1. HOW to AVOW a Flnation Charge. 3. Mrx aa Percentage Rates (APR} --_- a.Gtace Period. You wet have a minimum grace period of a The term Annual percentage Rale" may appear as "APR' e. Notice AbOUt Electronic C - Conversion. 25 days wMNA leenc'e charge on new purMases, new on O f?nan a s L W rain you f.-kb a ctaac is payn-L Y a Wlu ice Us balance transfers, newspeeial p l e and new ' I'QUa lly PrI the p, n trs xre N (c)uarterN Hrrre), L (Ltuamerry LIBOft A C'L ea!er to use fromyou check to tO melee a one-t4rls a T w l finer s n you pay your idl Tle BalanlCe", n . (Quarterly CC). a S (Bankeard prime) appears on the front, d transfer l electronic fund tansler Iron yohrUeposn aCmuh or to accordante ance wan the lmportanor5uil NoUce for Payments of Uns Statement next to NO periodic rala;e), Ufa Partake Process Ire paynhall as a chock twaacUVn. When we use bebv, and In Urns for it to is credited W your payment rates ted comesponding ANNJAL PERCENTAGE RATES Information Iron Your check to make an eOctnonic fund due date. There is rs gave genial on cash advancces may inereaze a rleelea3e based transfer. funds may be withdrawn fvm your deposit accout and special lamfem. In addition, there is no grace W the stater es, as fe w x) Tne Wall .rTset Journal as soon as it.. someday we, rxeive your paynenl, and you period on any transaction a you claim pay the total '" . in piav tl o ed t W pan ire oral usry n d s cKwe you. pr These MR )IM recenye your cr ecic beck tram your financial Nwv8akahce. to Changes will be eldxlhe ah the, first day of you binag institution. Your atahorizaiorh In not Yrtiled [y Ure date on the b. AaaNig Finance Charge. Transactions which are not period Covered by your periodic slawrienl ending in it* check. We may lesuarit and ek xrunicaNy cdRct relu-a Sllbfect to a grace Period are assessed finance cha W 1) MWO of January, April, July and Oct". paymeas. rwrl the date of ine transaction or 2) fmm the data ine c. If the code 0 (kbhhy Prime), F (tMahy LIBOR), or 3 9. San"PlicY. N you ate whaled to bamwplcy omectians for Ilalwactal a processed W your ACCoWn or 3) Con to (Treasury LIBOR) appears on the had of your slaterrnt YOX accvwn, the dci y wabon is vny fa niumO W:lal first calenclar day of to current mllig period. AQfltbnaly, ' i' Field to the Periodlo ale(s), the periodic rates and purposes. II Is n2 an aitetrnp to colkcl, assess a mcovx a a You and let Pay UW New Balarra from the pwi OpresPOlpmg ANVLA4L McHOtN IA(;E HAI _S rely vary debt or claim Do 1101 Send arty payments, directly W us 0ting Period in fun, finance charges continue to accrue to m antrly aid may Increase or decrease based oil the states with oul speaking with your banknapley attorney or Ure L Your unpad belail0e IAlld NO unpaid balance Is paid traces, as Io(rhtl in The wan Street Journal, plus the daniouptq L I You wan to MW Us, about Your rulL This ilea's that you inlay, still owe fimauKv c'twgee, p Us you. These changes changes gea Ws margin to ou amwm °ryour e b °?PioY Procersdrg, Please have your even in you pay the settle New agencies indicated on tha day y ory oryo effective t oo effective on VOW ing g period rbit earn nh°mt a aUV 'ray catxt us. M by Me payment due dale, bW did feat d Your a. Aa518fliernl of Lae, (A.erlerln and Returned h'dyrrerlt NO prepm not od so tor NO vious month. Unpaid tlrlaroe Charges Fees. LWAW the Wine of your CLL¢WrrOr agreement wa rBILLING RIZ-ITS SLWR%RY are added to the applkable segment of your Account , reserve Ole fgln to waive or not to assess any fees whnoul (In Case 01 I none O- OdesUas aPQX Your slot) c. Minimum Finance Charge. For each Ollnng perbU tat prior not/lcation to You without waivirg our right to assess If you than( your oil is wrong, or n you need mare Inlomha[bn on your account is subject to a resrca charge, a ninerum the 9Rns m3mRrteen at a later time it transaction or bill, wine, to us On a seprale shirt as -1 as total FINANCE CHARGE of Taco wie be impcsedd. . 5. Merroeranp Fee and RthaWi g Your Account. n a poesible at Ire address forirquirles sfnown on If* from Of fin tl. Terrpaary Reduction in Finance Charges. We resme fella rtsrnEensftp ppeaa on this slattaren[ we win credit the saterea. We mist tear from you no Hier Ihah 60 days amen the right to not assess airy x an finance chw9w fO' airy , fee f you request to cbse your axon It within 30 days d the Wp sera you the fmt LAI M Which the error Or problem appeared green billing perocl. 2. Average Carr Belance (Including New Pumhaaes). maiingi of this statement. You may conlinA to use to c n d n N You can call our GusfOmer Relations --1 or notify is L,, email x wellode, Sot doing so win not preserve Your rights In Flisonse, charge Is calcuaad by meaipying the daily a COUl u g O 30 day Peiod befae your requaliI U YOU do not pay an clhn ges owed on this acCO m wit in 90 days. 0 days' . YoUf lenaL give us the lollostirg information your name and balance of each saga w; of your account (e.g., caan advance, PurchaSS. special transfer, and special has, or a You Me Your credit a account after to l b hi account n arrow the dollar armun ct rte suspected attar, a oast fWUon Of Ole error and an ek?lanallah it preside of wh by this a ndng flood At * ale(s) that has r c se, arty nem ers ? fee nom waived tom' ly may be muntated to Your acoouM , y , you beleve there is an Cann, a a you esd nos irtormati°,, a (1 du r y dnCl dsclla evi you. At Ole ousry you. of each clay ten end 8. Closing Of Suspending Your Accou L You may request (L° PbDni Of NO item you are urnum 3WuL You do owl have to the sw billing Period, e we re a apply the held Periodic rata for each h that your attoum be closed try calling a witting our pay any amount N question while ire ax nrves[gahg rt, Out segue: d °f Yraul account b the daffy balianaI of each Customer Relations Og anmem. At the time of your request You are still Obligated to pay the pals of your bill that are not in segment Than at the and ct the telling penal. we add up I we will provide you WWI aJUdiond heirs on closing your quB511an. Wnae sure irrvesbgas your gUBeiron, we cannot rewaM1 the re3Ub Of Vase dory calculations to err" at your youae payne?nou use yo u You as delkquern or take an/ scion to cdlaA the an?urt you periodic aarc charge for each sagmBh. We add Up the rerun s frail each segW rn to amivs at the total periodic Q hh ea a-auraa credit card Or- charges Your post to your your aceoum k ewer you as q ,tom . finance charge fa your att a. To gel tin dally Pittance for your a cou us to ciosa Your -unL we can keep your account open a reopen it. We rhay close or suspend your account and your o emdp Cad Pr, :haws T .far Cm arch Of Our c sou take the segment Y OUT n ii L rightt. obtain agate. We do this a a UM and fora y u ha a oblem n you have a ' ty whas quality cf Pu?ei x se:vices 6laf1CB for each Segmeh and add any new, transaction assort even nyou ate Idol an cWauk A awpernsian or yOur st that You with a wadi r You nave tried n gold aid any, periodic fi1WM chayB cuulaa7 at the previous ' account can to perm-Ohl a temporary . If your account Is wre t,e rash i° carpal tt po arn wad the rtBfC:tdint You may nave ids hat s Salartrs fa that segment We then subinact any closed a suspan?d. You maser stop using your cm der card e right not to pay the rwmu irtrg amour due on thou Pvoery Of amour payments o credne posted as d that day that are allocated and axourt YOU must also cancel all PreaArVii !riling snces. You have tie pmt ion oily when the sered purchase price to that segment The antes m the Se paate dally "rice for arragernarns to the axourt We Wig 10 do tins for you. n wa t, in your g J In nerve than add the pu rchase was ?m?da in • r each segment of your accuura. However, a you paid iha we, Class Or pa nenen. ly suspend your acconnn you must in 1 A noire sate orr when 10o miles Of your 0D e g . (if we N" Balance shown an ywr previous slatemenn In fun (a a your raw Lalanco was zero a a cradil amouh), new , also destiny as credit cads and a-[ access VeCks. You t ild d InW J aciv o' oPBate the milrdriant. property O' a we rmhkd YoJ the ariserrem fa the or 301 Purchases 012 trannacVas, which pmt W You purchase or special mus P they Wee I charged TYag charged d after ater y your YOU eve account Las s On the closed d or oum, e'rsrn it - mAida , tl reganraess of arouhl a Iocativn of pucnasB.) =Wale purchase segments are not added to the held wlarlces. We susWrxlCL winwr remrerrnxr to sign an earesporkdence. cacuk to IM swage defy bahroe by addYA an the deny bat- Ug(arnr and dividing line sun by the nunnim of 7. loarnards, Payments you Mn u veal us credted ? t Does not apply 0 bsiness acceuns the (lays in the current bdlig cycle . To calculate your Ida v to w day we re cene i co as dlha whereas provided (1) you sernd Ile Ldbm portion of this slaleneh fiance charge. Ir idle You avenge say Daa1Ce by the and you MMK N the enclosed rerrlnant9 erne and 2) Capital Ore irformalbn suety prutectbn. see our upports Italy periodic rate and by Ida naMher of days in Ue biting your' peruses is received in our processing ce, t? 3pm ET w_.cW Wotone at eohlaahe tom basis fFWIW. Due to ounding on them mad' O a ue to Me inatUrn (12 roan PT} Please allow a seat five (5) l usiness days fair al h l One a l Capitat Fiy e a ation iY agDlafe4 5Brvke rTatK a Capital Otte C°f W'ratiol. All ryla resewetl C 20PB Ca ital One teueen tens caloulation and its amount of rilarlCe chage poo a ted. ally er hgnte receded by us re La I U . p actually assessed. y Ot rt e s ooa Oen or ih any attar tom may at bs credited as of the . day we raceNe from Our business days as Monday though --- - -_---- Setlabai. exchsdshg holtdays. ---- ----- OJIT 6513-1-G3(2t108 inpaiataifsim: P;'mrayamalsdS:aiwasawtoyw zxartadlw bri»sdaywsrewiretpawidw(Qwu wryluM ,A .phut d er is.141 at adYarUwdd)h le a tsaiedranaasauaeAweat(2) yua NW- t suicsiw hue Naaaiyta. a+ by3pm ET(2nsm Pre. %ms**Ab Orse(5 W*mdysfap U*bmy.PV.r sfwhmbym Yayuaabce vh ay cekr tam ssyr+dbsascYedmdaedq,armdwnsn. Qrhdvmdsa arsLladm arau9n Satrt6r, a?rlrytroldlrtt 9tmstlonottre?{irc, P'oa dpe. s!. sftln Pt1aSDYar PLMnat 7795244 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Cate 52,922.29 587.00 + S20.16 $39.00 - 52.394.45 336.00 _G J8 Aug. 08, 2008 - Sep. 08, 2008 Page 1 of 1 MasterCard Platinum Account 5178-0572-6411,791 Your Account Information TOTAL CREDIT LINE $3,00000 TOTAL AVAILABLE CREDIT $105.55 CREDIT LINE FOR CPSH $990.00 AVAILABLE CREDIT FOR CASH $10555 Finance Charge3 (Please see reverse for Important information) Balance rate Periodic Comesporning FINANCE appheJto cafe APR CHARGE Purchases 595014 0 04356°/ P 15 90% $1324 Cash so 00 0 04655% P 10 99% so OD SpecralTrars 51,978.03 0010931/6 3991% 5692 ANNUAL PERCENTAGE RATE applied this period: BZ% c At Your Service - Gu lu www.u tAxewn bu I—Lxy yuu azwA, or Ct 14IW903a37 to rtport a bst or stobn cad or spaac to Customer Reblios 0 Pay Online at wnw.c re.spnwmatyrnr pa.mmto. Capital One Bark (USA), NA - P 0 Box 70084.OwbtL. t10 28272-0864 9 Send Inquiries to: C Dial Die P 0 3m 30285 - S4 LH:a qty, ur 841W M Q Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement e• vsit www.-aatabne com/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO bWW,V.CAPITALONECOM TO MAKE YOUR PAYMENTONUNE 7795244 Capitaj()jje •.,;n i rev 0 5178057264113791 07 2894450087000086005 New Balance Minimum Payment Due Date $2,894.45 ) ( 586.00 , Oct. 03, 2008 ) PLEASE PAY AT LEAST THISAMOUNT Amount Enclosed Capital One Bank (USA), N.A. P.O. Box 70664 Charlotte, NC 26272-0664 1H1P11111N'1rIIIII- I'III IIPIII'll II'll P11'd'I'III I-IIIIPq I•s?c .,?..:r rEnsr ms : ?cc. --Important Notice- Your account was past due Under tie terms we previously riscbsed to you, if your account is past due again in the next 12 biling cycles, your Annual Percentage Rates (APRs) may increase Payments. Credits & Adjustments 1 04 SEP CAPITAL OPIE ONLIPIE ACH PA AUWDate 04-S EP Sg7.03- Transactions - - - - - - 2 01 SE? PAST DUE FEE 539 00 You were assessed a past due fea because your minimum payment was not received tr/ the due ciate To o,mid this fee in the future, we recommend that you allay at least 7IDWM33 I;iys for yo.r mmmum payment to reach Capital One A•e you interested in refinancing your current mortgage? Capital One can help We offer great rates, no hidden fees, and you will receNe the one-on-one attention of the same oersonai loan corrultant from call to close V,,t www ca italonehomefoans corn for more information Account Number. 5178-0572-6411-3791 Please print address or phone number changes below using blue or black ink Addtesr Home Phone _ Aftemate Phoix E-marraddmm___ p ----- #9025316180244727# MAIL ID NUMBER JENNIFER L WRIGH7 59 BLUE POND RD NEWVILLE, PA 17241-9531 11'hIII IIII-fill -1.111111,ld'11PIIIIIIr'4111PIt'll It1v'I1, Please write your account number on your payment trade payable to Capital One Bank (USA), N.A. and mail with this coupon in the endosed envelope. 500251 41090 important notification of a change in terms to your account Please see the important notice included with this statement. It details changes to the: • Minimum monthly payment calculation phis change will take effect starting with your December billing period. You cannot decline this change. Fees applied to your account rr chanr)e will affect rePS aillri o you - amour. _ fr ;?;rr 7 _, Yr can d-cl re r s J r. ;. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,894.45 -? $0.00 + $58.33 $158.00 )=1 $3,110.78 $179.00 1 j( Nov. 01, 2008 Sep. D9, 2008 - Oct. 07, 2008 Page 1 of 1 MasterCard Platinum Account 5179.0572.6411.3791 Your Account Information TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $890.00 AVAILABLE CREDIT FOR CASH $0.00 AfpSE PAY AT Lr5T HIS AA100T You're behind by ona ooynr_rlt. Remember that payinj lfp minimum peiylnent 61 the due cute keeps your account current. ?o make sure you send in the minknum payment to keep )our a?.nt current. Payments, Credits & Adjustments Transactions 1 01 OCT BALXCE TRANSFER SEARS 580,00 2 03OCT PAST DUE FEE 539.00 3 07 OCT OVERLIWT FEE CCT 07, 20!18 539.00 ( Finance Charges (Please see reverse for irnporlant information) Balance rate Perio is Corresponding FINANCE applied to rate APR CHARGE Pu-chases 5978.38 0.06822°yv D 24.90% S19.36 Cash 50.00 0.06822% D 24.90% 50.00 $Deciall raps 51,959.95 0.05822% D 24.90% '.08.97 ANNUAL PERCENTAGE RATE applied this period: 24.80°: iftl At Your Service - Go to ivm.caoitai;moom to mange your acccrra, o- Cal 1.800,%0.3637 to report a tat or solar coda speck b Qrslo:- Rehtions Pay online of rr.Yn.ceoilahre mm a nril your pWwt b: Capital Ore Bar* (USA), N A. - P.O. 8u 71063 - Ch.bt*, `IC 73272-1093 Send Inquiries to: Caporal Om- P.O. Boot 30285 - Sal Lace City, UT 8413DXQ 5 G Have a question about a charge on your statement? Please refer to the Billing Rots Summary on the back of your statement or visit caeca c?italane corNd sou[es UnJK terms previously dsolosed to you, some or all of you Annual Percentage Pates (APRs) have been increased since you account was past due twice in the past 12 billing cycles. If you rates have already increersed, suboeglent delircple xies exter> d the duration of the iiweosed rates. Remember: It we receive your minimum monthly, payment on lime for 12 consecutive billing cycles, this account will be reviewed for a possible return to your tbn-Introductory APR. Your account has gone over its credit limit. To avoid additional arcrilmit foes, ploasc pay, rnmigh Io brng your balance below your credit lirnil immeciiateFy, and make sure you remain below your ;,iedit limit. PIS be scare to xcounl for any future purchases, fees, and finance charges- You were assessed a past due fee because your minimum payment was mat reamed by the due dots. To avoid Dus fee in the future, we recommend that you allow at least 7 business clays for yw -ninimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPIrALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number. 5176-0572-6411-3791 Due Date New Balance Minimum Payment Amount Enclosed Nov. 01, 2008 $3,110.76 ) 5179.00 PLEASE PAY AT (FAST THIS AMOUNT 1 5178057264113791 07 3110780087DO0179009 tl9028216180244726N JENNIFER L WRIGHT 59 BLUE POND RD 7795244 NEUVILLE, PA 17241-9531 rll4l..rr.tl.uh.11rr.IlPl,thtl?pt.Ltt.,.pfrt,ltlLbtthh Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Q Pay orline anytime nu dove checks, stamps ac durrer. Q Moving? Change your address onlin- or cn line hacK fQ Help save the planet-Go paperless. Q Sign up at w-capitalone-corn. Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 +pro.rlr,rlLlllrrhLrtLlLlrurrrrlrlytl•t,rduhrntrlrlhl capita Please make ldlotdcs payable to Capital One Bank (USA), NA. and mail with this coupon in the oNxk)sed artvelope. Carpi 'aye. a.Grace Period. YOU will have a minimum grace period of 3. Annual Peroeniage Rates (APR} a. The term "Annual Percenlbaw Rate' may, appear as "APR" a. Notice About Elednone Check Conversion. 25 days without firerca charge on nave purchases, rewv on Ue front of ltts statement W hen You ;W0* a cache as payment, yw .4w aO e balance tranafms, new special pumheeea and new other charges a you pay year total'Naw Balance", in - b. U the code P (cwarta'y Prime), ?_ (Quarterly UW.)tl, C r O - ef)er to use intorMI100 from yorcheck to make a one4ir he electronic fund taefw from youir eivoelf scoot" Or to attWdallCe with (fie Inpoliall NoUte rot payments hmrterly CD), oi (Bankcard Prime) appears on the rroM of this statement nett to the parodic rate(s) the pe riodic probers line ITlanlt as a check Irdinsattle:l . When We U9e bebv, and n ins for U to be credited try your payment , rates and camspording ANNJAL PrRCENTACE RATES Information from your ndack Io make an aectroMt fund due date. here i Ito gate p cash may vary quanary and may incmaae or ddeaease based transfer. fuxds may bewsaxl.l-From your depost accout ion, the an grace paled on d special any tatsacrawc In enkyou not is no grace lbn you do n pay the trial q1 the stated 'does, as fduld in The Wall $traet Jvwnal, l M as soon as [tie same day we receive your paYrrmni, and you c h? New Boa ica p us e margh Prsvleusy dscosed fo you These Will be o on the first day yw biikrg w? Your not ur the date on the by b. AM%" Fnance Charge. Transactions wtich are not aubjact b a gate parted are aaseased (Hance charge 1) Period c t ur Periodic da?v cOF? by 9 Your ending in Una ofeck We may nsuhld ad eecrwhicaly udKC[ retuned payments. tram me dale c the tran sac on or 2) from Ire dale the rrpnrils OF January, April, l, July Juy and October. c. If the code D (Mxthy Prime), F Ovionthy LIBOR) a G 9. Banouptcy. If you are eNlled to bankruptcy protactoe for taeacton Is p(ocessaa to Your Account or 3) moil ire first caenlar clay of this oumanl bpWhg parted. Additionally , (Treasury LIBOR) appears on the front of your statenerht d Your accourt, this communication a only for Ittornhanoal purposes. It Is not an a tll to assess a vetoe , it You did pay U1e1New Balance" from the previous mel to Its Pwfodo rate(s). the parodic rotas and ppcegpad ANNUAL ptH(:ENIA(t I(AI ES aymen r a debt oclaim Do not sand nd a arty payments directly o e urg periDd iod ili y ffatke ot romlNluB U aCCNe b npfMy 8fd IfICMasB Of dntcr6ese based Dn the stated Without speaking with Your bankruptcy attorney a the o a your wnpad Ntaftw Until le unpaid balm" Is paidin r full This neae Uat You Hey std roe raw har we, Iboes, as fwd in The Wall Street Journal, qhs the n f i di Bankrupt;, Lout II You want to contact W about your account aYom barfruytcy proceadng please have your even fyou pay the entie New Balance indicated on the alg l prev ously sclosed to you. These chailges will be effective on Ue lint day of your billing period each month , attorney contact us. front of your statement by the payment due data, but did not do so lathe previous month, unpaid finance Marges . 4. ADeernneld Or Late. Ovenant and Returned Payment: tBILLING RIGHTS SLNWIARY are added to the IIJOPW Dte segment of your Account. Fees. Under the tern of yw a slomwagmenant, we aserve the ngM to wave a rct Us assess army fees wflnut in Case ot Errors or LNiestlpp aDoul your Bre) c. MYlirum Flnarar Charge. For each billing period tat Pier notification to you withoul waiving cur nigh to assess If you think your 5111 Is vwong, a U you need more Information on your acrout its aW*d to a fslanal charge, a Hillman total MKWCE CHARGE of id.50will to imposed. me same asirnilarfees at a bell, im. a transaction a will, writeW us Al a separate sheet as Scan as possible at the addreas for ilglirfee sh ov n on the tat f this J. Temporary Reduction in Fnartce, Charges. We reserve 5. Menribeeshp Fee and Renewlg Your Account. If a membership late appears on Uts statement wewll credit the o state mnL We mat r*w Immyou no, later Intel 60 days after the iW to not assess art/ or all fiance charges for arty , fee f you request to close your a=4-4 within 30 days a the we a" you UlsfiRl bill on wtllydn the enoror pvolem appeared given bang Period- 2. Average Daly Balance (Including New Purchases). mailing of Uris stabeff" You may continue to use the account during the 30 day perod blfve your request If you You ran cat our customer Relations number or noldy us by errat or webspe, but doing so will net pieferv9 your rights. In Finance cinige is catulahed by multiplying the dairy . do not pay all charges owed on this acowt with In 90 Rays your star, give us the bpoherg ktarrabon: your rtafre and balance 01 each "Ilmamt Of Your aarouM cash advan(e, Purchase. special transrar, and special purchase) , a f you use yw credit card or accent after you request to close, arty membership fee pnevdously waived may be amount nurnbar, the dearer amount of tlne suspected error, a description of to error and an mtolaradon, it possible, or why by the ob respvxding daily WMW We(s) UW has been reinstated to your account You believe there is an error, a If you :wed mom, ihformaton, a previously disclosed to you Al t!e end of each clay during n try. Cmig a Suspending Your Account You May t ass description or to item You are u sue auou- You do not have to y e telling erletl, W WW the dally pedochc rate fw ea_h "9 YWr -fit o it. day baba rue of each that your account Us closed by Calling a willing our C t R l i pay Orly amount in question wtne we are Ilwestaja419 it, out YOU are %fill obligated to pay the pats of your bill that are not in segrrsM Than at the Ord Of the br Periotl, we add up ua wrar e at ons Deparfrition At the time o1 your request we will civets you wtilfn adddional details an casing your qu°slipn. While we investigate Ypu'yua lion, we cannot report the msuas of hears di iy calculative to arrive at your Periodic finance Gaga WWCh segment. We add up the account , This may keMba paynert irranabon. If you use you as delinquent or take any achor to collect the emowt you question resuaf from each se3n ent to anive at the total pwwc your credit card orctarges post to Your account after you ask Y us to close yw account, we can keep youradsouM open or . finance cr for alga your account, TO gel he dairy balance its Sech se gment Of YQUi` acCw. WB lake the rNp811 IL We may close suspend Your at dual your ht n ri K you have, Rue for Grade Card Purchases problem s v L d un trance tar each g nynew? sagirrent add a vs credit. WO may do mi tuS OR any time and for g reason, won pyou are nut n default A s skxl of Your or your A You m tried ? Purcha will a credit cad eN you a have r e cal Pre at 4 any peejoac finance the u o oil Pik be da '9 Y at segment. We then subtact arty 6l nce, fw fw acceunl can be permanent a tempo ary. if your acoou Is cased tl d rd ld nigh lath to confect the problem YM M mnr, a V, you may have the .rot to PaY Iha M ani g MOJM due m the p,,o n o W me p nts is posted as of that day flat are allocated OF suspen e . You mat stop Wing you credit and account. YOU mst aao cancel ON pmaullhod .d bpkng y services. You have this P AWlon only when the purchase once to that segment. TMs Was us fie sepeate, dairy balarlue, for each segmsK of your account. However, If you paid the arnalgerrants 10 the acourt We will not do this for YOU. If _ to Has most than $ 50.00 and the pumilase was made in your home state or wthin 10D rates of your maikn address U Nan Salleme shown of yam prey lull statement n full (of a ss a pw entdy suspard your acmut, You must 31M destroy all tredil u? and axwrhl access Checks You g . ( we Owll rr o?te ? mnattant a f yve Holed ye4 if1B your new tear awasZem o a c'edit amount), reW Irariawtioe, which prat to you urchasa or special . adlyendaeRamt for Ue propsmy a 9ervkEa, all purchases are mv tl r dte d puncase segrtana are not added to the daily balances. We 'clay were charged after your account a closed of suspendetl. ere egaf ss o arovt o hriCatiOn rd purchase)?lau9 rerrenYrer to sign aN wneeporxiencce. o'.6 vlitt the average rd daily inbalknioe, g by by adding erg the dally ally gv a. her unba u( u an son ; . Me" Payments. Payments you nap to us will Le credited t Does rot apply b bstrless accounts l Z days in to ca the days cure nl billing e a t u a taya r Coa l " o Your account as of the b sinew der we receive C. provided (1) YOU send to bodorn potion of trip slalemert (me mo charge. is a nd your average, e der?' balmee M the Doty periodic rate and by lFa number of days In the being and your crack it] the erlebsed remittance, erwa your pa ment is received I Capital Glle s uPPate irtartetkxhprwaq protafwn: see our walate at wow Ceoit tiong e rn ? iturru be a ariancetnnnl nnene c 'r? lunge assessment there ma y n or processing centerer by 3pm ET (12 room PT). Plsass acv al east two (5) branass days fa al ne1?a servhc9 mark a Capital Onre FC y . b e Vts ton and ire amount of frarloe charge postal delivery. Payrnts received by us at any other n I"Heaved vi 2DDB Capital One N afy avy achu -eased -eased fraUon or nary Olrerforn may not be credited as of the we (KVWO hem our bttskh@ss days ors Mvxtdy, tthrough Jay ..-. W y , 8XCk 5al unlay, extkxiing holidays. _ Ot DM6056 - I - 03r2emg5 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone_ .......... Alternate Phone ........................................................................................... 7795244 E-mail Address ........................................................................................... Plcase 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. • le 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 arxourt number on your check. 200564 41080 JENNIFER L WRIGHT 0 important notification of a change in terms to your account The changes detailed in this notification amend your Customer Agreement. All other account terms and conditions remain the same. Please retain this notification for your records. Your Minimum Payment Calculation The following change will take effect starting with your December 2008 billing period: If your new statement balance is $15 or less, your minimum payment will be equal to your balance. Otherwise, we calculate your minimum payment by adding any past due amount to the rater of: • $15; OR • The total of 1% of your new statement balance, plus new interest (periodic finance charges), plus new late payment fees. This minimum payment will be required for every statement with a balance, even if you paid more than the minimum payment or made multiple payments in a previous billing period. Please note that this change in how your minimum payment is calculated could result in a higher minimum payment than you're currently paying. For example, if you pay late or have missed a payment, it's likely that your minimum payment will increase. A The above policy change is required by federal banking regulators and cannot be declined. A V You have the right to decline the following fee change (please see the back for details). Your Fees The following change will affect fees billed to your account after January 25, 2009: Cash Advance Fee 3% of your cash advance amount or $10, whichever is greater. 700564 see reverse for more information, including how to decline changes to the fees on your account. > Please note: You are not eligible to decline changes to your minimum payment calculation. 7795244 Capital - if you decide not to accept these terms You can choose to decline the changes to your fees and close your account. To decline the fee changes, call our automated system at 1-800-226-4119 by 8:00 p.m. ET, December 14, 2008. Please have the following information available when you call: your account number, this notification, plus the last four digits of your social security number. 7795244 If you decline, we will close your account on January 25, 2009. After that date, you: • Will not be able to use your card • Must cancel any scheduled payments you have set up for automatic billing • Will forfeit any rewards you have accumulated, so please be sure to redeem them before January 25, 2009. If you decline, you will be able to pay down your balance at your existing terms. Please keep in mind that any transactions you make prior to January 25, 2009 will still post to your account. We will consider your account paid in full as soon as you receive a statement that shows a $0 balance and no pending transactions. For the hearing impaired: Telecommunication Device for the Deaf (TDD) To access our TDD line, please dial 1-800-206-7986. Please have your account number, this notification, plus the last four digits of your social security number available when you call. Please send questions or concerns related to this change to: Capital One Bank (USA), N.A. P.O. Box 30285 Salt Lake City, UT 84130-0285 We cannot process your payment, nor can we process your request to decline these changes if mailed to this address. Our federal banking regulator is the Office of the Comptroller of the Currency. 0 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. FINANCE Previous Saiance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date S2,894.a5 -? 50.00 1 +? $58.33 $158.00 53,110.78 $1 7D.90 iov.01, 2008 Sep. 09, 2004 - Oct. 07, 2008 Page 1 of 1 MasterCard Platinum Account 5178-0572&1113791 Your Account Information TOTAL CREDIT LINE $3,00000 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $990.00 AVAILABLE CREDIT FOR CASH L $000 Finance Charges (Please see reverse for important information) Balance rate Penodc ConesporRfrg FINANCE appl d to rate APR CHARGE Purchases 597838 0 05,822%D 2490°6 51936 Cash S0 00 0 WBWA D 2490;6 so co SpeaalTrans 51,95995 008822%D 2490% S3897 ANNUAL PERCENTAGE RATE applied this period; 24.90% O At Your Service -Wk,r .uytidxeaxn k, maEW }vu :uwA, N,W or Cat 1400-9033%37 w report a bat or,dobn card or speak to Customer Reh" 0 Pay OnNne ed wxwpoutahe oom or tnal;% r paywg b. CgAal One Bank (USA), NA • P 0 Box 71063 • Chabtta, NC 28272-10%3 Send inquiries to: CI A51 D? P' Box 3D285 - Sat Lake city, Ur 8413)-0286 G Have a question about a charge on your statement? Please refer to the NAN Rights Summary an the track of your statement o" vslt www.Laoi1ajpjrcDrn/cjsputes PLEASE FAY AT LFAST TMSA111DUNF You're behind by one payment. Remember that paying the mrrmum payment by fhe due date keeps your enceDunt crrett So make sure vuJ s-, d in the minimuni peryment to keep your acc jut current Payments. Credits & Adjustments Transactions 101 OCT BALANCE TRANSFER SEARS BOQ) 2 03OCT PAST DUE FEE 53900 3 07 OCT OVERLIMIT FEE OCT 07,20M S3900 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been Increased since your accoArA was past dae twice in the past 12 billing cycles If your rates have akeady increased, subsequent delinquencies extended the duration of the increased rates Remember If we receive your mrumum monthly payment on time far 12 consecutive Ming cycles, this account will be reviewed for a possfale return to your felon-Introd-ctory API,Yo Your account has gore over its crack limit To avoid addillonal overt met fees, please pay enough to brag your balance below your credit limit Immediately, and make sure you reman bekrN your credit limit Please be sure to account for any fiture purchases, fees, and finance charges You were assessed a past due fee because your minmum payment was not received by the due date To -mid this to, in tie Mare, we reeommorxl that you allow at least 7 bninea7 days for your muumum payment to ltsdch C4xIEiI Ore KE65E RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO MVW.CAPITALONE COM TO MAKF YOUR PAYMENT ONUME 7795244 1 5178057264113791 07 3110780087000179009 Capitalu 111, Account Number 5178-0572-6411-3791 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- Nov. Ol, 2008 $3,110.7$17900 it's fast, easy and secure. O Ply ontme nnyhme-no mnrP rh,,k,. s1-p, o; chate, PLEASE PAY ALT JaST Mowny7 Change your ad0ress onkne or on Lhe had. THIS ANIOUN MOUNT O 9 Help save the pla-T Go papcrle;s tf9028216180244726H O Sign up in -v cap'talonc con, JENNIFER L WRIGHT 54 BLUE POND RD Capital One Bank (USA), N.A. NEWVILLE, PA 17241-9531 P-O- Box 71063 I'11111nrrrlldlllrlp"11111'Illll'IlIJ11nr111'1'I11111111r11 Charlotte, NC 26272-1063 111.1h.lnr11111rr111r111i1iIli. rlrlgrlulluhru1r1P1111 Please make checks payable to Capital One Flank (USA), NA and mail with this coupon in the endosed envelope. Capita what's in 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 One," 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 One .> 7 /.Y?.•r;riO' rah."t.' ..?,, _ <.. it r .. ?.r .?1, . . ,, ..-:d. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,110.78 $0.00 + -? $63.30 1+1 $78.00 '_I $3,254.08 $276.00 (Dec. 02, 2008 Oct. 08, 2008 - Nov. 07, 2008 Page 1 of 1 J,FASF uAl' f.T I FAIT TNIG fJ.1!M, V f MasterCard Platinum Account 51TO-OST2.6411.3T91 Your Account Information TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $990.00 AVAILABLE CREDIT FOR CASH $0,00 Finance Charges (Please sea reverse for important information) Balance rate Periocic Corresponding FINANCE appli?dto tale APR CHARGE Pu:cnases S1,14D.73 0.09685%D 24.40% S23.64 Cash gD.00 0.D6685% D 2440% $0.00 Specrafirai3 S2,010.27 00W4 D 24.40% 541.56 I ANNUAL PERCENTAGE RATE applied this period: 24.40°', At Your Service - Go b mmicmdatmcom b mirage your account, or Gat 1.600.903.3637 to report a bet or stolen cad or speck b OusO der Relations Pay Online at rmi w=AW xc oom or mml)ar payment to: Ckpltal Ore Bark (USA). N.A. -P.O. 16x 71083 • Chai [Atie, ^IC 8272-1093 Send Inquiries to: Caput On P.O. B= M5- Salt Lake City, UT 84130LM5 Q Have a question about a charge on your statement? Please refer to the Bititg Rights Summery on the back of your statement or visit www.caoitabne carJdisoutes You're behind by two payments. Lets talk. If you're having finan:iat difficulties and can't snake you minimum payment - we wart to help. Let> wc4: together b find a solu6xr. Payments, Credits & Adiustments Transactions 1 Ot NOV PAST DJE FEE S39)0 2 07 1,0V OVEP,L EMIT FEE NOV 07, 2D0B 533.00 Under terms previously disclosed to you, sane or all of your Annual Percentage Pates (APRs) have been increased since your account was past due txie m the pas112 bilipj cycles. If your rates have already increased, sutxecluent delinquencies extended the duration of the increased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, I* account will be reviewed for a passCle return to your I ton-Introductoy APR. Your account has gone over its credit limit. To avoid ad1lional ovedimit fees, you ;Mold pay more than the Aninium Payment. Please pay enough to bring you account balance belay your coedit limit immediately, and make sure your a=unt balance rema n below your Cedd limit. Please be sure the amount you fay accounts for any future purchases, fees, and finance charges. You were assessed a last due fee because your minimum payment was not received by the due dale. To avoid the fee in the future, we recommend that you allow at least 7 b sires, days for your minimum payment to read Capital Ore. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CA%rALONECOM To MAKE YOUR PAYMENT ONUNL, 1 5178057264113791 07 3254080087000276002 Capi" TB Account Number. 5178-0572-6411-3791 Due Date New Balance Minimum Payment Amount Enclosed DeC. 02, 2Q08 $3,254.08 5276.00 ` J C?"I PLEASE PAY AT LEAST THIS AMOUNT Lend a hand. Save the land Manage your account online today- it's fast, easy and secure. O Pay "'line a1'y1i11C-- nude diccks, stamps or l.ttc, Q Moving? Change your address online or on the back. rQ Help save the planet-Go paperless. 99(331316180244729# © Sign up al -capitalonc.com. JENNIFER L WRIGHT 59 BLUE POND RD Capital One Bank (USA), N.A. 7795244 NEWVILLE, PA 17241-9531 P.O. Box 71063 'Il'111'1'llll'IIII'111111"I'III'II""tllllllllll'111'11111"II Charlotte, NC 28272-1083 uIIIP'111"n41'Ir1111111"1111hrill 'I'llt'll"11111111'1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JENNIFER L WRIGHT t. HOW to Avoid a Finance, Charge. 3. Annual Pertxnlage Rates (APR). a.Gmm Period. You will have a mYWnumgrx_s Period of a. The taint' Annual Pecentaga Rata' may appear as "APR' 8. Notice ADwt Electron Chaotic Corwmsion. 25 days without finance charge on thaw pwchmr, neb, crh the front or ids statement When You P uYk* a t,T eck are pyrne,L Ynw auUsafce nil Dalarm barufans. new special purchases mid new - . D. It to cwla P (Quarterly Pnme).'- (QUanery LIBQRC C ether to use Infornetion from your check topeke a o e.Aints otner charges d You pay your total NM dames", in 5 ( Prime) appears on the front Ghan electronic fund Minister from yourdepoat accowd art. accordance With the kiW.neld d e for ls to Ill. period. a eme t next to the cl r of periodic p Process the paymax r a Check irareaten. Wnarn ire use ha i your pa u bw, a nt n t h e for o o Our your P?' t b is cr whes aid es ANNUAL PERCENTAGE RATES hat Information from your check to make ake Fund an sedlmnlc d i d n cash Jar s ne e. Tlwre is a r? period at g quanta may vary quhatedy and ant may increase adacrease based a tunes grey be wthr your d=POea acwurrt fwn ac m. and special In addition, theta is no grace e ail to stated e as found h Tie Street Journal Wait sport as s swn m Uie same day we recede your peyrrenL and you sac v any transaction arty ilarneaetoli t you do not pay the total ' " h pr y o . A. the e rrsrgh tl yo rnese null riot your Check Neck receive from your ltnarxial We v ak New i a a effective n the cltalgm Will be arsons at Ihefist day of YW Oteng institution. Yew dn is not limited tetl to date on the hag F n O. Acwinp Fiance Charge. ea d idt are not period covsred ly your periodic slaerrent end'eg in the c? We may reaubmd and ekorOniray edict rekrnsU se fi an cha rge -semed subject to a t period are as i) ntoilihe of January, April, July mid O.bbm. payments. nn the d data 04 from the Wle ot the transaction or 2) fnsn the date lne c. U the code D (MonWy Prime), F (M x1thly LIBOR), or a 9. Bankruptcy. If you are entitled to DaNwpcy pmlecUphs for Irarsactbn is Processed W your Account 013) fawn the (Treasury LIBOR) appears an to front of your stalerrerd You account, the Oommum.aDOn a olty for rnf.nretbnal n first y of it* eur ttblairrig m Ar reply, next to the periodic rate(s). the pekxlc real aid PurPCSm. It D not an amernpt to collect. assess or recover a ot m th you did t }oar d not my ihe'New Batista, " from the p e0o ev os killing period in full, finance charges =&M W we- to 00hesportdmg ANNUAL PLRCEN I AUF RAI Es may vary dad or claim. Do not said any paynertts directly to us wthma speaking %WT your xtnkrupcy attorney athe your unpaid oalartca uxt thew balance, is paid n nioranly and may increase a decrease rased on the stated IrcRces, as round In The Wall Street Jouned, plus the Bartlvuptcy Court. U You wart to contact us aucid your F.K. This Madre gad yw they still owe issues cihayes, angel previously decbs rd to you. These creinges wil be accwad or your bankup y proceed", please have your .an if you pay Me mdis New Beene thoc eteO On the effective on the feel day or your eedt mxtth. attorney contact us. frog of your stabmard by to payment due data. but did Re urn led etl Peynent 1. ASSOMMOM of Lae , rr and not do so for the pmVquB matte. Linpad t chtargt c Fees. Under s. Under the terms t of of your van agmerreni, ive a tBI W NG RIGHTS SUNv1MARY are erra added b to applicable segment x of ot yowACCOU,L to sess eas any fans reserve the right to waive or not t to ass dry teas ivifeul +In lase of trtors w Uuttioms a W art your Still) C. Mhhum Finance Charge. For each billing pebd trial Prior rtp(?stial to Y.u Without waiving our right to assts If you think your At is wrong, or It you need mom Information on you( ac=at Is subliect b a fiefCe charge, a rnr other l the don a ehnw fees at a emu base, a UBnsaetgll or bill, Win b Ue on a separate sheet as soot as total FlWME CHARGE W %5D will be inImed. . Mshbmsnp 6 At. and Wnswi Your if a o Potthb at the address for in airport on lie front or tls ? u a, Temporary Reduction h Finance Charges. We reserve nt. M s tsn the re9 appears re e this win credit are staenartt. We must re y W n l 0 1erlhart OD d ays after the rightW nh assess any aail airy (giartce chargt for y , foe If l you request you re account irtin qurt b cbsaour attowTw 7D de's Of the you the II9t be on Mitch Cn the error or y, appeared . Yo sax grv g period. Wang mailing of the statement. You may continue to use to Customer Relations n num unsber x a nlty, nobl rs by You can call ou r a Do Soler 2 . d by New punched"). Dart Ba6rxe ( ac?t It dung the JD nay period beroe your re9raxet. It you mind or websile, but doing so wig not preserve your rights. In te a charge r Finance ea by r the dairy charged wvard on mils account wise in eo days. Or not pay all your Misr. give us the I o 'tg" s Your name are D ta" s rent of baaVnw of each throe of g„ eg your account (e. cash a d you u use your cell cam or account atseryou regLOW to we of th aocowx nUMW li. in Wear ane suspected tor, a m a advance, quchme. secal er, a er, W special e) Cbee, any nerberaMp Ise previously waived rtey be description on .n of a In error altl an w ekp Ptana bn, 1 pkesde, d why by the ar-1 has p, by the aresputlln9 p dory Periodic rae(s)tet has been reinstated to your 1. You beteve here s an error, or t you ,area tae idwn Ii ri, a `hbb they distbsed to yon At the end Of each day' du'sg ding e. Closing g o or Suspending Your lYxourL You nay requmt t y d?hcrplon N Ve teasou are ureure auOUL You cb nc4 have to t Ire ipig Peiotl, we apply the daily pmbrac rate to ..-n Una your account us closed by car" or tailing air qu while pay arty aRpYn in tl are gatatg t, out tiW-d d ywr actiuid W the dmly balm- Lit _tn (;ustornm Relations Department. At the tare of your requtL our bi n ot pa the parts you are still i obligated pay the your btu that are in segment. That at the and of the Along period, m add up We wit provide you with additional details on closing your vir investigate question. Wlwa ilia your quest ion, ws cannot report to results or throe daily cakzdmwe to arrive at yew account. This may include paYr b You use you delrnlued a take dry acliat to colMcl the artowd you periodic Marge charge for Gams segntmd. We add up the credit your cent or to your accaunt c-ni, a past t rm to ym you ask h queOtion. results from each seg lent to arrive at tin bull pwlcdiC fnan.-e charge roryour account. To get Ue daily lum- for m close Oust- ws ou can account. neap your r open your or f at Rule for Sw rnvt Cam PmVest vaclt segment of your accoubil, we take the begrinrting cou t aand your r mopen it. We may close or suspend youic ni to outain omcW- We may th m y do do the at any any tare y Moen and for any i ? to you h e t you ha ve a e d n h e ay property sawi kalance foreadt segment and add any new Uansxtiona w you ans not in A sus t your n se li t a r it c a n g Iha you with a credit cant and you laws tied good n .10 any periodic finance charge calculated at to pm viol. al permanent orternpormy. if you'rur ace uM can be be u is lmOt the tath to conat p n Wpar the nt eo nt. have to You May day9 balance for RIM segnenl We that enblract Wry closed or suePo need Yoout u rtw sop rum stop using g your credit redit card h mer du the o right rtot to pay the 2negaig amount due on Vile pmpmty or payments acredie purled as of that hay that one allocated and account You must also cancel all pneaulltordisd tiling services. he have the potection oily when Ue purchase price to Intl sagrent The gat in the 3"1010 daily teulibre Ior arragmrents to the acceurL We iwa nil do thane fur you. t t vas a tha n $v aid the purchase was made in your each segment or your account. HDWWW, t you paid the was close or pmmarenty suspend your a¢nuM, you must et in 100 or ate -1 state within 1 mints of your money a ese. (If we New Sahara shown of yow Previous; statarrialt In full (Or l also destroy all credit earls ant acmrd arses, cracks You th o»m e w if ova mailed you the you newpotence brae zero a a credit annrxx), new , n,ut aril pay at amounts you owe us On the account. even if ru m at w the property azNe nor me or services. all pwdesr are transactions. which poet to YOw Purchase Or sPacial May were charged ater your accaW B eWed or cation sd, regardless, Coi'eretl of arpwd location of purchase.) Please purchase seg?raMS am not added to the dart' banner. We suspended d ramembm IO sign all corrrponrfence. Maculae the average daily baYrce by eddig as the daffy T. Melding pay-M& il5 you mall us wtl oe credited Dtl ielub kgWcs aid daktirg to awn by the -nobs d f"bu i to your ac itess Clay bus we receive it t Lbes not to business accounts apply thB days et the current behg cycle. To -alcuetsyour total , c1) you send proilded nd the ? poortion titre sit portion rnama ch ?, nahapy your e'er Cad ?? b'Y the and y and your ur rnacK In Nil mncbsed ferrslartca eweropa am ash 2) Caput Ora supports Information Prnary protection. sae ow dally Periodic rater g it* MMW Of it% oy a C Is oW9 your ?nen is received in ou processing ceder by Jprrt ET ?vetimla at cmilailonlecio Is a . rt a day Doris ue ??' ODe to haw to insertion 12 noon PT). Please allow at least tae (5) Iushrs k;; for Capital one Federally registered servke ma, , of ^ ?aptal Ors rinarce charge a sess rant. them may be a variance postal delivery. Payments received ty' us at any other Financial Corporation. All rk" nnerved. 02008 Capital One between the CaMM= arty the anoir t of fiance charge location or n any other torte may not be chadked as of the actually asimmuld. ha y Iva rKOWV thent Ow DUe419ee days are klagay through _ Sauffiy. -Cludsg holtlays. Changing Address? Address ........... ........................................ Home Phone......._ ..................... ...._...................................................... Alternate Phone ........................................................................................... 7795244 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. • 8e 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 t 6-digit account number on your check. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 53, i 10.78 - 50.00 + _ 565.30 L ?78.00? j S3,254108 5270 VO Dec. 02, 2008 Oct. 08, 2008 - Nov. 07, 2008 Page '1 of 1 i MasterCard Platinum Account 5178-057264113791 Your Account Information TOTAL CREDIT LINE $3,00000 TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $9%.00 AVAILABLE CREDIT FOR CASH $000 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,14073 00%MD 2440"„ 52364 ^ash 50 00 0 0^i68`A D 24 40% 90 co SpecelPans 52,010.27 0555% D 2440. 54165 ANNUAL PERCENTAGE RATE applied this period: 24,4Oo O At Your Service • G. lu r-,,,tAAx-n t, -up yw a uuni, Q o'r`al 1$00503,637 b report a bel or dDbn cod or *a* to LALSlomer Relsi ns 0 Pay online at wnw.ceortaMecam or m iWpffprwd b: Capital One Bank (USA), PIA. • P 0 Bas TIM • Charbde, NC 2ez72-10W Send irpuirles to: Cap44ell () PD 9w 3D285 - Sit Lale City, UT 841311 M PLEASE PAY Ar LSUT r`11s N Dumr YOt7'e lY Mind W two payments Lars tall, If you're having finalrral dffrultm and can't maF,e your mrumun paylnwnt - we want to help Lers wa+. I:9e8ler to fnd a 3olulr-ii Payments, Credits 8t Adiustments Transactions 1 01 NOV PAST DUE FEE 53900 2 07 NOV OVERLIMIT FEE NOV 07, 2DB 53900 Under term previously disclosed to you, some or all of your Annual PeroeUe Rates (APRs) have been ncreesed snce you ax'olnl wes past dun twice al the past 12 billig cyclesi If your rule; have alleddy increased, subsequent delncluenaes extended the draton of the increased rates Remember If we receive your minimum monthly payment on lime for 12 consecutive billing cycbs, this account will be reviewed for a possble return to your Non-Introd.clory APR Your account has gore over its credit kmrt. To avoid additional 04erltnrt fees, you should pay more than the Mrumum Payment Please pay enough to brig ywr account balance below your creme limit Immediately, and make stye you account balance remains below your crest land Please be sure tie anoint you pay accounts for any future purchases, fees, and finance charges You were assessed a past dr fee because your minimum payment was not received by the due elate To avud this fee in the future, we r ec'Onnrerld that you allow at least 7 bmi ess ddys fur you mnnnunl payment to reach Capital One Q Have a question about a charge on your stalemmt? Please refer to the Balling Rghts Summaryon the tauk cf your statement o' visit www.capdaiDm.com/cispules 7795244 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG Oil TO WVW.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE --•? 1 5178057264113791 07 3254080087000276002 cap;rarrr?., Account Number 5178-0572-6411-3791 Lend a hand. Save the land Due Date New Balance Minimum Payment Amount Enclosed . Manage your account online today- Qec. 02, 2008 $3 254 08 $276.00 l ? it's fast, easy and secure. J -- - 10 Pay online nnyt;mr no -we checks, 0t laps or dotter PLEASE PAY AF LEAIST THIS AlaDUNT Moomr?7 ChanI< a your address onbne or nn the back O ()Help surge lhv planet Go papcrless #9031316180244729# G Sign up at www caprtalonc com JENNIFER L WRIGNT S4 BLUE POND RD Capital One Bank (USA), N.A. NEWVILLE, PA 17241-9531 P.O. Box 71083 ???tII?tL?I?h?1?Ir?1111?nLll?rll""lll?llllllld?l.??111r,1? Charlotte, NC 211272-1063 Il????lrll Ir'llll?'II'?I??Illrr??llllrr??rl'???'I?"???I??I?'?II? Please make checks payable to Capital One Bank (UW NA and mail with thi i th d d , s coupon n e en ose envelope. Capti what's in your wallet? MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONEr 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. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,254,08-? $0.00 Jan. 02, +( $66.71+? $39.00 $3,359.79 $376.00 2009 Nov. 08, 2008 - Dec. 08, 2008 Page 1 of 1 'EJSE PAY AT LEiW .-Hr Af tcv it % MasterCard Platinum Account 517@-0572.6411.3791 Your Account Information TOTAL CREDIT LINE $3,000,00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $990,00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE *plied to rate APR CHARGE Purchases S1,234.31 0.0554^ D 23.90% 525.05 Cash 500 0.06648% D 23909; SO.00 Speciallrau S2,C61.91 0.06648%D 23.910% ''11.65 t ANNUAL PERCENTAGE RATE applied this period- 23.80°; (j,,A At Your Service-Gob amanageyor=wt, or Cat IZDMOO.3637 b repot a tst or stolen cad or speck b Orims Hewtons 0 Pay Online at:nxwpQbrr_c; cr mailyar parwt a: Cipital Oro Bs k (USA), N.A. • P. D. Box 71083. Clhablte, PIC 13272-1093 ® Send Inquiries W: Capital Orr P.O. Box 30285 • Sall Lane City, UT 94130 285 Have a question atwut a charge on your statement? Please refer to the B4Gg Rights Summary on the back of your statanentor visityre^w.caoitgkffl, arJdisou*3 You're behind by Three payments. But ysu can o n3 your account current by pa,-my the minimum rayrnent arnount a7 your statement. If yodre having financial dif mitie; and yo.i re feeling overwrelmed - ,Alx? want b he. Give rrr of our associates a call at 1.80).9%.6100. You'd be surprised what we can do tryelher to work this out. P ments Credits A Adjustments Transactions 1 03 DEC OVER'-11VIT FEE DEC C8, 2008 539.00 Under terms previously disclosed to you, some a all of your Annual Percentage Rates (APRs) have been increased since your account was past due ty ce in the past 12 bi8ng cycles. If your rates have already increased, subsequent delin aenciaa extended Ere duration of the waeased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be Few-wed for a pOSSirle return b your %n-Introdctoy APR. Yo r account has gone over its credit limit. To avoid addlional ovedimit fees, you should ray more than the Minimum Payment. Please pay enou3h to briny your amount balance below your c-edil limit immediately, and make sure your account balance remain telow your credit limit. Please De sure the anon nt ylu pay accounts for airy huine p.m chases, fees, and firta ue dhaiges. PLEASE RETURN PORTION BELOW WITH PAYW Off OR LOU ON TO W WW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057264113791 07 3359790087000376009 Cap Account Number. 5178-0572-6411-3791 Due Date New Balance Minimum Payment Amount Enclosed Jan. 02, 2009 $3,359.79 j S376 00 i PLEASE PAY AT LEAST THIS AMOUNT it90344161802447241t JENNIFER L WRIGHT 54 BLUE POND RD 7795244 NEWVILLE, PA 17241-9531 ,IIIh1-IIIrIkIIIPIIII--IIIIIrIIrIIIII-IIIII,I.II„11111II,1[11, Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Q Pay online anylimc-no more chcc6s, stamps or Clutter. Q Moving? Change your address ontine or on the hack. e Help sdve the planet-loo paperless. Q Sign up at -v capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 III1111.Inr.?III,IIrIt IIIII"1hlh„II,I,IIh11„III I III I,III l Please make checks peryableto Capital one Bank (USA), NA. and mail with this coupon in the enclosed envelope. JENNIFER L WRIGHT 1. How to Avoid a Finance Charge. a.carace Period. YOU Will have a mWtmrn gras period of 25 days without finance charge an new pumnina , new baance transfers, have special purchases and now other charges it you pay your tafal'New Sabre". in accordance with to arportant NOW@ for payments baba, and In time for n to be crerled ty your payment due date. There is no grace period on cash advances and special transfers. In addition, theta is no grace Period on any ttaINS3 o 1,You do not pay thaPotal New Behr-" P. Accruing Fhanro Charge. Transactions Wch are not subject to a grace period ere installed filares charge 1) mom the date of into transaction Of 2) hen the dale the tm rsactbn Is Processed to your-Amoua w 3) ROM the first calandar day of the current blMrg period. Additionally, t yoadid not pay the •New Boosi from ft previous using period in rue, fir efce charges coruinue to accrue to your Unpaid -alliance until the unpaid balance is past in full This whew tad you may vie one 6rence, creges, wen f you pay the erase New Basorce stocatedon the front of your Naterritm by the payment due date. OA hid no[ do so tor the pravoue mach. Unpaid finance charges M Sodded to the applicable segment Of your Account. c. Mhiedm Finance Charge. For each baling period thall your account is sublect to a fnarce charge. a mhimall total FINANCE CHARGE of TO.50w1 fie "mod. tl. Temporary Redtcapn in Flnai Charges. We reserve the right to flat assess any o as filar:, charges for any given bipng period. 2. Averags Drier Safarce pncMx*v New Purclieseli Fhrenca Charge Is cslcuhdd by multiplying to daily betake C each segiff" of your account (..g., cash aWanco. Purchase, special transfer, and special purchase) by the wmespondng dsny, periodic rate(s) trot has been Previously dbCJDWd ID You. At the end of each day dtrug Ina losing Period we apply the daily periodic rat for each sWlloot Pf you ai'Wnt to the dhiy buiarsx cf earh segment. Then at the and of the posting prod we add up the MoU b Of thew daily calculations to arrive a your periodic ibtance charge for each segment. We add up the results from each se3rers to amve at the total periodic rsari Charge far Your account. To get (he daily t*W- fw each wigimi t of yoU account. we aka the bwgsrirq basnCce fw each segment ar d add ay note tanseCtiorw ad arty PWWJic lance crhage co cheated at ter pevqus day's Owlence, for that segment. We then subtract tiny paymerft o-cedis posted as e1 that day that erne albcaled to that segmen Thin gives in this separate aaty balance for arch segnwnt or your account, However, n you paid ter Near Balance shown on your pevoue dogamert In fun (of of Your hex talents was zero or a credit amount), new twwwu". Which past to Your PUrctase w serial purchaseworrisome all not added to the deny tetances. We calculate tlne avenge daily tuWnce by adding all the daily bodamxet ttaJethen and riridig to vun by the usuli Uf the trays it the currant NOV dyes. To calculate your toll sat- charge, rm+ll * Your average defy boom by the daily Periodic hale and by Ire number of days kn to Wag Pei Due W rounding on a daily bass ads to mmnnun fnance consign assessment then may, be a valance belNw'ee l this caM:tlallon ant the amount of matron charge actlrdrY assessed. 3. Annual Percentage Rates (APR) a. The term "Annual Percentage Rater may appear as "APR" on Ure front of this slalament. b. If the wde P (quarterly Prime). L (Quarterly UUQR), C (Okreroarly CD). or3 (Bankeard Prime) appears on the""' of this etatwrent laid to the periodic rate(s). the Peruse rates and corresoon: ing ANNUAL PERCENTAGE BATES may vary quantany and may Increase or decrease based of ter stated i'ViCes, as foWld it The Wall Steet Journal, Plus the rrargh PmW$ly disclosed to you These changes WIN be Mectiva on the first day Of you bOW Period covered ly your periodic statement ending in the manihe of January, April, July end D=cevr. c. If the code D (hdollhy Prime), F (Monthly LIBOR). or O (Treasury LIBOR) appears on the front or your statement het to the Periodic rads(s), the periodic raters end conespordng ANNUAL PtitCtN IAA HAI ES may vary moistly and may increase w decrease based all the stated Indices, as found In The Wall Street Journal, Plus the me911 pe+iomy disclosed to you. These changes will Ire effective on the first day of your bisig period each month. 4. Assessment of Late, Overlent and Returned Payment Fees. Undo the alms of ywrcustaTar agreerrant, we reserve the right 10 waive or not to assess any fees will PdOr notNOatianl to you without waiving our right to assess the same wsimlarfeee at a stertme. 5. Mwrbenhp Fee and Rerlegsg Your Account. If a membership fee appears on the statement, we will credit me tae, you request I. ct» your accouhtwltWh 30 days of the mailing or the statement. You may continue to use to account dulling an 3D day Period before your request. t you do not pay all charges owed on this attrount with In 9D rays, or e you use your c.'edd card or account anerYOU ra peg to dose, aery rtwmbsehiP fee Peviousy waned may be mnsuma to your account. e. Cossg w Susperuling You Account You may request that your account be closed by calling or witting our Customer Resatiorw Deparl-11. At the time of your request we will provide you with additional deters on casing your awallt. This may a1CNtH paymet iniorination. If you ties YOU' credit card wcharges Poet to your account after you ask s to close your account. we can keep your account open w mopem b We may close w suspend Your account ad your fight to obtain cede. We may do this at any time and for any ,Kwon, even A you arm no In Witua L A sspwlstal of you ac.0unh Can tie por eren wterrpoery. If yes accasnilis closed or suspeofed, you cwt slap sag you ccdid card and a=jhL You must aim cancel all peeWOrued LvTGg arrangements to the account We will not do this for You, or we Coss M Permarerty suspend your account, you must aim destroy all credit cards and aoc unl access knacks. You met will pay at amounts you ere us on thhe.woult. even N they were CrergeJ alter Yoh account a closed or ssperded. 7. Making Payments. Pay manis yes map to s will os credited to Yo r-wt as of the busoew day was receive it, provided (1) you send the boet:)m portion of its stelamert and Your MOCK n the Unclosed fwmatlm envelope arid C2) you payment is received in or processing cater by 7pm ET (12 roon PT). ?safe allow al sell five (5) business days fw Postal delivery. PaYrrie is received by s at any other lcoation or in any Cher form may not be wedietl as of the Jay we receive theist Our bslrwtn days are Whday through 8. Notice About Electronic Check Conversion. When YOU Prude a check as Paymell. You Aholn, us ether to ues ktomatlwl from your check tp make a one46re electronic fund tfWdW fronnYOW dePOM accent onto Process the Payment as a Check tranwicion. When we use Inrpmmatbn from your Check to make an electlwlE fund transfer, rural mwy be wshdrairm fomyour deposit accou:d as soon as tie same day we receive your payment, and you WIN not eceNe You Chock OWK from you financial Institution. Your aceV Macon is not "ad by the date on the check. We may resubmit and ekcImmoally collect returned Payments. 9. Bankruptcy. If you ere erti ed to banKruptcy protections tor you -court, this compenP:atim le or* 1w etormatiocal Purposes. It is hat an attempt to c011ect, assess w recover a debt or clam. Do not send arty, payments daecty d s wthiaa speaking with your bankruptcy attorney w tin Bankruptcy COWL t you wart to contact Ue apoK your account 0` Your bane upley pror•,eadng, pease have your attorney cotad us. tBILLING RIGHTS SUMMARY (In Case of tmoe or Questions, awut Your Bill) If you think your WI is wrong, or t you lead mere Inrormatbn on a tarlsaMn a Lill, write to us On a separate sheet as sown as POesihle at tlo addition for inglWles shown on tie front or the staWnWt. We met how from you no War than 8D days after we sent you the /fit Pill on which the torte w problem appeared. You can call our Customer Relations number or nolly us by email Of W'ebsis. Pull dbirg 30 will not preserve your rights. In your ater, Wes, Us the 1011owig ktomrelbn: your name and azprA rralbYr, the dollar arount or the suspected won, a description of the error end an wptanation, N posskkh, of why YOU believe then is an error, w t you :wed no'a tnomration, a dewhlilbn C the dam you are ueUne at»LL You do hot have to pay any avouln in question wine we all mvesngaby of, bur you are still obligated to pay the parts of your bin that am col h question. White wit investigate your question, we cannot report hron as desnquad w take ally acto, b Cdlad the arriount you gueotian. t Special Rule for Credit Card Puchases If you lusve a phoblxn with the quality, of prz party or services that YOU PWUnTed with a 0radd card ant you new tried in good lain to correct the problem e'er the melchut, you may have the right flat to Pay the Mnestlrg ampunt due an the property w services. You have this prOtetlion O* Mhen the purchase price Wes more than $50.00 ad the purchase was made in your rime state or within 100 mss of your mailing address. (t we own or operate the morcnanL or r era mated you the adverlswrert rw the Property w services, all purchases all covered regardless d import or location of purchase.) Please ren ernuef 10 sign as Cortesphrrsnce. t Does not apply to Iwsiness account CePdel One supports information prra y pnoation. see oar webote al vnwe.eaotesne co os Capita One is a repository regbtwed wp,Kv mark or Capkal Orw Flrencial Corporation. All rkyle reserved. C 2008 Capital One Changing Address? Address-....... _........ ......._ Home Phone ............................................................................ Alternate Phone ........................................................................... 7795244 E-mail Address ................. Please print address or Phone number changes above using blue or back 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 envelnpe could delay processing. • Please don't include any additional correspondence. Last but riot least, be store to write your 1 6-digit account number on your check. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 83,254.08 -I 50.00 $66.71 :x39.00 = $3,359.79 5376.00 - ---------?? ? -- ? - -? - ? --- i Jan. 02, 2009 Nov. 08, 2008 - Dec. 08, 2008 Page 1 of 1 ( MasterCard Platinum Account -? 51704572441IX91 Your Account Information TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $990,00 AVAILABLE CREDIT FOR CASH $000 ) ? i Finance Charges (Please see reverse for raportant information) Balance rate Periodic Corresponding FINANCE appled to rate APR CHARGE Purchases $1,23431 005548°%D 2390% 52505 Cash 5000 O.OVA8°k D 23.90% 9000 SpecelTians 52,051.91 005548%D 2390% S4165 ANNUAL PERCENTAGE RATE applied this period: 2190% At Your Service - Gu o rmw.,,wuxrwn, b mars,?a yur rr 4 o, Q or OA 1AO-9033637 to rwxt a W or ttokn cad or speak W Cusiow Relmo 0 Pay Online al vawraota6m=m a madyv patrnart b: Capital One Bark (USA), NA • P 0 Bw 71M3.OabHe, NO 28272-1063 Send Inquiries to: Capital One P D Bor 36z% • Sat Lake City, Ur 8413D.Om Allitak Have a question about a charge on your statement? Please refer to the Bit" Rights Summary on the teak of your statement V. VISA wxnv_caodabne oorntdsoules Kf SE PAY AF LEAV TAS AnTlUNr YoUre behind by Ovee payinents But you can b: Ing your account current by paying the mnmum caynlenl anrautl ai your statement. If you're having financial dffKAAtvs and yatre feelmy overwhelmed - we want to help Give cme of our associates a call at 1 l90) 955 ;5)0 You'd be sugwrsed whal we can do together to work this out Payments, Credits & Adiustments Transactions 1 08 DEC OVERLIMIT FEE DEC 08, 2008 - - -- 53900 Under terms previously disclosed to you, some of aN of yourAnruwai Percentage Rates (APRs) have been increased since your axount was past due lwr_e in the past 12 billing cycles If yo r rates have already increased, subsequent delingiences eclenjed the draton of tha naeased rates Rernember If we recerve your mnmum monthlypayment on tore far 12 consecutivebiing oYdes, this account w41 be renewed fa a pa sble returh to you Non-Introixtory APR. Your aunt has gore over its crafit hang To avoid additional overact fees, you should pay more than tho Minimum PaymcrA Pleasc pay crough to berg your account bolancc below your crcdd limit immediately, and make sure your account balance remans below your credit limit. Please be sure the amount you pay accounts for any fibre purchases, fees, and finance charges PLEASE RETURN PORTION BELow wrai myrocklf OR LOG Oil TO VVVWV CAPTALONE COM TO MAKE YOUR PAYMENT OPILIN_ 7795244 1 5178057264113791 07 3359790087000376009 4.apit Account Number. 5179-0572-6411-3791 Due Date New Balance Minimum Payment Amount Enclosed Jan. 02, 200 ? $3,359J9 ? $376.00 PLEASE PAY AT LEAST THISAWONT #9034416180244724# JENNIFER L WRIGHT 54 BLUE POND RD NEWVILLE, PA 17241-4531 'dlrl?lit?l?dh?nll?yllll?n'IPh?unrt,p^111d11,nu, Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. O P..y crime nnytme-no morn chrrks, stanps - nutter Q M-q? Change your address unline or on d,W had. - /Q Hclp save Iho plonor G. papcrk- y 5ign up at www capitalone com Capital One Bank (USA), N.A. P.O. Box 71,063 Charlotte, NC 28272-1083 1111111,111-[1111tII,IIIIIII., IlIIII.. ?l?lll?II.. lid?lai Please make checks payable to Capital One Bank (USA), NA. and nwil with this coupon in the enclosed envelope. Caplitat what's in your wallet, TAKE CONTROL OF YOUR CAPITAL ONE" 500011 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. r=.i )1d=it ?:,.?e (1 _..... FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,359.79 -? $0,00 + $64,52 )+ $0.00 ?_? $3,424.31 $474.00??? Feb. 02, 2009 111 Dec. 09, 2008 - Jan. 07, 2009 Page 1 of 1 MasterCard Platinum Account -\ \ 5178-0572.6411-3791 Your Account Information TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $990.00 AVAILABLE CREDIT FOR CASH $0.00 1 Finance Charges (Please see reverse fw important information) Balance rate Periodc Corresponding FINANCE applied to [ate APR CHARGE ' u-chasa, 11,298.19 1,0634Z. D 23.15% 524.10 Cash 10.00 0.06342% D 23.151% SO.00 Speco rags S2,MG7 0.06342% D 23.15% 539.82 ANNUAL PERCENTAGE RATE applied this period: 23.15% ArTT4N At Your Service - Gob to manage yorxocnK a Cat 1.8 MS]L3637 to repot a bst or wian ad or SIC ID G sLrnr Reldors 0 Pay Online at an2wdabne r om or mail W payment b: 3. petal Ore 8adc (USA), HA. • P.O. B. 71063 - Chattbe, VC 23272-1093 Send Inquiries to: Capital01? PA B-30285 • Sat Lrake City, UT M IX- 265 G Have a question about a charge on your statement? Please refer to the Billing Rots Summary on he back of your statement or v[3t ww'w.f?Dltabrhe lXXrl/disoute3 I-EkSE PAY AT li'Sr T Hr momr You'ra behind'oy four payma13 Bat you can still bring your account Currant oy paying the minimum payn)ant ahtount an your sLtgiteM. Bead h?p7 GPie us a call at l ftlrJ.955.:ni:0. We11 xork together to d a 3of.tbn. Payments, Credits & Adjustments Jn:W terms previously d3clo3ed to you, some or all of your Annual Percentage Rates (APRs) have been inhaeased since your account was past due twice in the past 12 billing cycles. If your rates have already increased, sbsecluent dencluencies extended the duration of the kaeased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be revlevred for a possible return b your. ton-Introductoy APR. Yo r account has gone over its credl imt. To avoid adihornl werimit fees, you should pay mae than the Minimum Payment. Please pay enough to bring your account balance below your credit limit inmelately, and make sure yon axount balance remains below yon cruet limit. Please be sire ttie amount you pay accounts for any future purchases, fees, and finance charges. , PLEASE RELURPI PORTION BELOW WITH PAYMENT OR LOG ONTO V!0ANCCAPIIAL01`JE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057264113791 07 3424310087000474008 Cap, Account Number. 5178-0572.6411-3791 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- (Feb. 02, 20 $3,424.31 ) $474.00 j it's fast, easy and secure. e Pay orlinc anytime-no r,orc checks, slarrps Or Junta. PLEASE PAY AT LEAST THIS AMOUNT Q Moving? Change your address online or on the back. 0 Help save the planet-Go paPL less. #9000816180244725# O sign up at w-.capjtal-C,co- JENNIFER L WRIGHT 59 SLUE POND RD Capital One Bank (USA), N.A. 7795244 NEWVILLE, PA 17241-9531 P.O. Box 71083 11111i1..11.1.11.1,1'llt1.11111111'IIII.1011rllllll01111111111i1 CharLOtte, NC 28272-1093 III I IP'III-fill 1'11'1111111"11HI4-11 -1'111-11"Illdbl'IHI Please make checks payable to capital Orle Bank (USA), NA, and mail with this coupon in the erxWed enveklpe. JENNIFER L WRIGHT atge. a.Grace Period. You Will have a minimum grace period of 25 days wlluul fnance chi-De on new purchases, leas balance transfers, raw special purctaaes ad nnv rural chalgas it You Pay yautotal'Tlew Balance", in accordance with as Imponarx Notice for payments beknv, and in Unial for It to bur Credited try your paymera due dam. There is no grace pefbd on cash atlvarY and special tremens. In addition, there to no grace period on any transaction if you do not pay the total N_ Balance, b. Accruing Finance Charge. Transactions Wtxrh are not subject m a gace period are assessed franca charge 1) from Ire date of the transaction or 2) from the dale the Vessel is processed to your Account w 3) from the first calert7ar day of the current biging period. Adaceally N you did not pay tle'TJeW Bala ce" f om are previous L40V period in full, finance charges continue to accrue to your Unpaid oalerce urx11 the unpaid balance is paid In full, This rroans feral you miry, *Wt D11'e fplal;e charges, even If you pay the win Nex Balamx indicated on the flax of your stabmard oy the payment due date. tut did not rho ad iwthe pravnots month. Unpaid wares. charges are added o Us 2PPIIC" S119"M of Your Arounx. C. Mhnaen Fnatnscs Charge. For each boding period trial your Wcou it a SUb)ecr to a finance charge, a nllinam total FIWME CMRGE of $0.80 wag le "mod. d. Twporary Reduaon In Finance Charges. We reserve In. right to not asses, airy w all flsil ct erg" for airy given Coming period. 2. Average Dot/ Ballince (Irv*dig New purchases). Finance Charge is Cetulate ! by mutlprying the dally balance or each segmWx of youraa,'oWrt (e.g., cash advance, purchase, special transfer, and special purchase) by Us COMIMPmdirg daily Periodic rate(s) that has been previously disclosed oyou. At the end or each slay of lYg the bhlitg Period. We app" the daily periodic rate for each segrrsnt of your acourt to the dray bahats» of ends seWMIL Than at the and of the billing period, we add up the results of these dairy CeL`Ulatiass to arrive at Your perlCuilC rnarlCe Crargle fur seen segment. We add up me resuta from, each segment to arrive at ire total pelota; finance drwge for your account. To get Us dairy balance tor each segment of your aCmaAx, tie take Us beginning Ualaco faeech segment and add arty neW transeagons and cry Periodic frstlce Charge calculated on the previous day's balahW fur mat segment. We than subtract Wry Psyre.YS o-credih posted ors of list day Vat are al ocated to that seg rill The giros a Us separate daily balance fur each segment d your acwx& However, If you paid tee New Beene shown ai your previous statement ii fug nor a your hill Wants Was Zero or a email amount), new transactions. Which poet to yow purchase or special pureness, seg nub are Madded to tie daily balances. We cakrfate Us average daily balance by adding ail Us daily Cater Kw ogul Wd divding the sun by the rhwrtw of the days in the Current Coming cycle To calculakeyoul total finance charge. mumapy Yom average dai" balance by the curly pWaac rata and by ire number of days in Use wahg MIDI Due to rwdil Ch a tiesly basis or due to Miners un fnance charge assesamem. gyre may be a vamanaa l h" en aura Calculation and the amount or finance w1atJe arnay assessed. Changing Address? Address_ ........................... Home Phone ......................................... Alternate Phone .......................................... 7795244 E-mail Address .......................................... 3. Mrtsal I'ercenfage Rates (APR). a The farm "Annual Percentage Rate' may appear as 'APR" on get front Or this slalamenl b. N the Co* P (f.7 MWfY Prima). L (Wanly LIBOR), v (Ouerfary M. a S (Bankcard Prime) appears on Ue fret of uric statement nal t to Uw peric lc rate(s), the;,ovdo rams and corroscordim ANNJAL PERC[NTACE RATES may very quateny and may increase w decrease based ore Us staled badil as found n The Wall Street Journal. Plus t'te rrergh Previous, dedoeed to you. These dirges Wig be effective at the first day Of your bill", period covered by your Phil slalertsnl ending in tie molae w January, April, duty and October. C. If the code o 04"h y Prkne), F (Monthly ueoa), or 0 !Treasury LIBOR) appears m Us front of you'statement and o Use Periods miefs), the parodic rams and comersPadag ANNLW. PI-RULN IAG- RA I =S may vary ince" and may kcreaee OF decrease based on the stated IndlCes, a found in The wait street Jounal, plus Us rtargn Previously dixnsed to YOU. These Charges wiN be effective on Use first day of your btWng period sectI TONI1. 1. ASW$W elk of late, Over" and Returned Payment Foss. Under the tams of your custorer ageerrem, wit reserve the right to waive or rot to assess any fees wthoul prior notification ib you without wabtng our right to assess as same Ws"rww lees at a later tons. 5. Meu*e hp Fete anti Renewing Your Account. If a msmceohlp fee appears on Una stitarrent. We Will C"a" Us fee oyou !quest to close your azount "hill 30 trays o( the mailnp of this starernent. You may continue to use rte account during tie 30 day Period before your request. If you do not pay all charges owed on this account with In 90 days, or t you use yeurC. wo card or accanl all you rang-I to Close. airy M-nibenhip fee prwiu ,dry wal rray be mensta4rl to your account a. Corig of SUSpwarng Yow Account. You may 2queet that your accourt be Closed try Calling or wMk, our Customer RWeb- DepanmsrU. At the Una d your rquesl We will pmv'ede you with addaional deeds on Nosing your account. This may nclud, Payment kHXRalor 9 You use your credit card orcharges pod to your account after you ask us to Close Your account. tie can keep your account open w rwpern it. We may close or suspend )roar accoax and your right to obtain credit. We hey do this at any the and or any ro om With oyou We plot n Maul Asuspension cr YOUr account ran bepemerwt or rartponery. If your account is closed w suspnldW, you must sop using you c'eda Caro and axourL You mist also cancel all preaurve rl l,ilig artagw ells to Us account. We will not do nit fa you, ff We close a pwmWer/y suspend your account, you must aleo destroy all credit Cards and asaunt access cYxk9. You mat sod pay am avuuts you eve ua at the asourht wen it May ware charger altar your aeeouhi a closed or- suspended. T. Maalg PaylreMS, payrems you mall to ce will ,? Credited to Your aeceux tie of the business day we receive 1. Provided (1) You send b» bolton portion of Vial sia she"i and Your check n the anchored ra naarce wyeope and (2) I- PayneM I. mceved in ar processing carter by 3pm ET ;12 men PT) Please ahbw at Iaasl fNe (5) busirosa days for ooNel delrwY. Paymaide received try a at ally ocher location or n any other twm may not bur credited as of the Jay we =@IV* tem. Our willimss days Wit wt day thrNyn _ Sa w_dw ekckdig no"M Please print address or phone number changes above using blue or black ink. 8. Notice Mat Electron Clack Convarson. Wteaa you plwide a divot, as payna: iL you auth ti Oi us ek'lefto use information from yourcheck to make a ois4inne electronic fu10 transfer from your deposit aecournl or to process Ule paymwri as a clack trodsalon. Wheel WB use Information from your check to make an eiictronl^ fund transfer, funds nmy be Waldawn fron Your depose 8ccaurx as stun as Us sane day WB receive your payni and you Will not rsceNe your crack; back from your f"wil institution. Your alMaroaUOn is not lurked by the date on the ChteCIL We may MeuCrra .,it ekctrohcaoy Colsot returned payments. 9. Bankngtey. U you are entitled to baMwptcy prolectom for your 3cciout. Una comruintoatim a only for ullonationai purposes. 1113 not an attempt to colecl, assess or recover a debt o' claim Do not send Wry payments directly to us wtlolt speaking wNhycurbanknlplcy money or its tlanleupb,y Coot. N you Will to caxact w aucut your account w Y" WhIaLiplcy Pnxeedirg, Please have your aftonhey Contact us. IBILLING RIGHTSSuli Y ;fat Qsae or trofs w puBatlaq about Your tllll) ff you thnk your tAl is W orig, w k you need more INOn Nation on a kanswton or bill, writebt us at a sepaalB sheet a soon as Possible at Us address for inquiries 3h0wil on Us bons N are statement. We that tleartrem you no later than lU rays aft 4 sent you Us fist bill m wtxah be error a p'oblem appeared. You can eat our Custorer Reratrons humber or rwlNy Ua by email or webste, bur doing wwil not preserve your rights. In Your letter. give us the rSWrwg itofmallon: your nare and account nurrver. tls dalar wheint of us suspec'fad wrw, a dasolptbn of the error and an erplanallon, T possible, of why ryes behave beta is an stmt, or f you ' d noE Ilfwmeti-, a descripon of fie kern you are Um- about. You do not have to pay any amuu t 111 Question write we av "eshgaag k, Our You act still obfgaled to pay the pans of your bill that are not in question. Nile tee investigate your question, we cannot report you as defnquert or take any action to -gel its -.,t you question. t Spacial Rua fa Credit Cam Psdases It you have a probern with Us "i or it ooer ty or s-cto that You purchased will a credit card and you have tried in good fall to correct the Problem Won the merc`errt, you may have in- . "rot to pay tie reffai11a1g amours due wr its property a services. You have Use protection only when the purchase pnce via more can $50.00 arid the Purchase was nestle in your home state orwthn 100 miles of your riling address. (If We Ocala or upw5fa this mBf;farl, w k We mallad You the aLII-Ib 'odd fur Us property a smI :es, all pwchaes era COmmd r"wdesrs of amount a Mail n of pur;hese.) ?react rernentsr to sign all correspondence, t foes not apply to buierregs acCOUMS Capital One supports information privacy prohectiws. see our Wool at wMKCeotalorse rnrrn capital cis is a federally mgmeled sweice -nark of capital Ole, Firmclal Corporation. All rights reserved. 02008 Capital One 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. FINANCE Previous Balance Payments 8 Credits CHARGE 53.359J9 - j 50.00 ! + $64.52 Dec. 09, 2008 - Jan. 07, 2009 Page,1 of 1 MasterCard Platinum Account 5179-0972-6411,791 Your Account Information TOTAL CREDIT LINE $3,00000 TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $000,00 ` AVAILABLE CREDIT FOR CASH $000 FFinance Charges (PIease see reverse for rmporlanl nfonnaim) Balancerale Penodic Conesponcling FINANCE pled to rate APR CHARGE 51,29819 OfXi342%D 2315% $2470 asSO OD 003342'/o 0 2315°0 SAO SpecialT!ans 52,09287 0.08342'b D 2315% 53982 ANNUAL PERCENTAGE RATE applied this period: 23.15°; 0 At Your Service - Gu w wwa-"tdIxe.am dr inara,}e you s H, w Cat 1881-9033637 to, report a bst or stolan card or speak to Wstow Rehians 0 Pay Online al mnw.caulelne.oan or nrel)ar pa r" b, Capital Ono Balk (USA), NA • P 0 Box 71003 • Chabtlo, tJC 28272-1063 9 Send Inquiries to; ^.apttal 07e P 0 30X TJ285I .Sat lake Cty. UFF 84130-OM Q Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement D' vrsit %ww.caPltalone.com/dsputes Transactions New Balance Minimum Payment Due Date - 50.00 33,424.'11 5474.00 Feb. 02, '20091' PLEASE PAY Ar(FAST MAMOUNT You're behnd oy four psymerls. Dull you can still brng your aaaml current by paying the minimum sytnenl amotnl at ywr slaLnren(. PkeJ i) D)'.?ve us a ca9 at 1 S00955 Nell wua tr.>3ethwr to find a soluion Payments, Credits & Adiustments Under terms prevtasty disclosed to your, some or all of your Am" Percentage Rates (APRs) have been increased sme your axarrd was past We twice in Lr: past 12 brllmg cycle. If your rates have alrea* =,,eased, sL6r>egJet deirtrwcles extended the dur,almn of the increased rates Remember If we receive your mmunam monthly payment on fine for 12 consecutive btng cycles, this account will be removed for a possible return to your Non-Inlred e; m APR YcL r account has _wrte over its credit itmt. To avoid aAbDnal overlirrt fees, you should pay more 4`lan the Mtnlmurt Payment Please pay enough to brnfj your account balance below your crecit limit inmedelaly, and make sure your account Lbalance romans below yon credt imt Please be sure the annum ydu pay acoants for any future purchases, fees, and finance charges PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW CAPITALONECOM TO rv1AKE YOUR PAYMENT ONLINE 1 5178057264113791 07 3424310087000474008 Capi#a/. Account Number: 5178-0572-6411-3791 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- (Feb. 02, 2009) I $3,424.31 $474.00 ) C it's fast, easy and secure. _ __ _) O Pay 0111- nnytrme--no nnrr cherke, 0-n, or clutter PlF PAY AT LEAST THI5Ah1tH1NT Morning? Cheer e v<.r address -hrie our on the had. iHi 0 ? 0 Holy save the planet Go papcrless #9000816180244725 # Q sign up at www camtalone com JENNIFER L WRIGHT 59 BLUE POND RD Capital One Bank (USA), N.A. NEWVILLE, PA 17241-9531 P.O. Box 71083 illilllhrllJillilrlytll'IIIIIIIIiltllilillillll11i1111llllllll Charlotte, NC 28272-1083 uIIIPrII liinhli4rplpllirihlltiiArli{{Irllirlllllhlilnl 7795244 Please make d*W payable to Capital One Dank(UW, NA and mail with this coupon in the enclosed envelope. 500012 `aP`%what's in your wallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,424.31-? $0.00 + $68.12 $78.00 $3,570.43 $616.00 J = I Mar. 04, 2009 Jan. 06, 2009 - Feb. 07, 2009 Page 1 of 1 MasterCanl Platinum Account 5179.9572-64113791 Your Account Information TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $990.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Perocic Corresponding FINANCE applied to We APR CHARGE Purciases S1,331.11 0.06342% D 23.15% $26.17 I Cash SO.00 0.(]6342°„ D 23.151% $0.00 Specialrrav S2,133.54 0.06342. D 2115% S41.95 ANNUAL PERCENTAGE RATE applied this period: 23.15% Q At Your Service - Go to mwY.caotatrleoan to manage your a-cant a Cat 1-M9IXLNi37 to report a last or sbkn cad a speak b W9o.?rer Rene" 0 Pay Online st rrmr.cmilatxre am or mailyar payment b; C?pilal Ore Bark (USA), N.A. - P.O. Bur 71063. Ch.Etie NC 29272-10^3 Send Inquiries to: Capital One-?.0. Bon 37285 • Sat tare City, UT 84130-0285 ® Have a question about a charge on your statement? Please refer to the Biting Rights Summary on the back of your statement or VISA mny kaoitabhe caNdis etas You're behind by five payinen s, 'ddeVe pe(marienlly revoked your cfr-ugirt3P;Ninge3 . If you -orl6rnw to miss payments your axY,unt is at risk of lbevAj mard-d off- Please chit H his happen. If you're feeling overwhelmed, call kn at t.8O0.gS5.6700. YV II work ?., ilh you to re3*e this matter. moments, Credits & Adiustments Transactions 1 CQ FEB PAST DUE FEE Say Op 2 07 FEB OVERLIIAT FEE FEB 07, 2009 53900 Under terms previously disclosed to you, some or all of your Annual Percentage Rales (APRs) have been increased since your account was past due Mxe in the past 12 billing cycles. If your rates have at eedy increased, subsequent clei-Ktuencies ezlerried he duration of the increased rates. Remember. If we werve your minimum monthly payment on time for 12 consecutive biting cycles, this acca» t will be •evw-Are for a po5sble return b your I lon-Introdx toy AFR. Your account has gone we its credit limit. To avoid adMicrel overlirnk fees, you should pay more than the Wnimum Payment. Please pay enough to bring your acm rnt balance below your credit limit inrrredetely, and make sure your account balance remains below your credit limit. Please be sue the amot" you pay accounts for arry futre purchases, fees, and friance charges. You were messed a past due fee because your minimum payment was not received by Cie due dale. To avoid This fee i the future, we recommend t'nal you allow at Last 7 business drys for your milimurn payment to reach Capital Ore. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW-CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 5178057264113791 07 3570430087000616005 Capir>fa! Account Number. 5176-0572-6411-3791 Due Date New Balance Minimum Payment Amount Enclosed I Mar. 04, 2009'l r $3,570.43 J 3616.00 PLEASE PAY AT LEAST THIS AMOUNT #9003916180244720# JENNIFER L WRIGHT 59 BLUE POND RD 7795244 NEWVILLE, PA 17241-9531 LIrItIIIII11tIIr?IIIIIIdIrIIIIIIIII?III..ItIIIrIII.llltrlrfLlr Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. lO Pay orline anytime-no -,ore checks, stamps n, duttcc © Moving? Change your address online or on the hack. V Help save the planer45o paperles. C) Sign up at www.capitalonc.cnm. Capital One Bank (LIZA), N.A. P-O- Box 71063 Charlotte, NC 28272-1063 II11111.1,6-11111,11 .1111111-•IIN1r?11?1-111.11^11111111-1111 Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. JENNIFER L WRIGHT a.(srace Period. You will Iavs a mhrnum grace perod of T 1. Annual Percentage Rates (APR). a. The farm "Annual Peresr#ge Raer' nay appear as ..APR'. B. Notice Aboult Electronic Check Conversion. 25 days without race, charge on new purchases. new ongatrendd Via aalemert Wnetyou provide a dhak as feyyr, wt YM aulhxizeW balance transfer now spacial purchases and new etrar ctalgee t Y. pay yourtolal'T/ew balanow n b. n this code P (Ouatery Paned'- (OUartary uBORA C eitherto use information fronryour check to make a ons4irne eWttmnic twd tmmter farm yardepoaa accouall onto , accordance with this Important Notice for payments (may CO), or S (Bankeard Prha) appears an the Cat of this statement held to the periodic all tie P.-colic process the payment as a check lraneaehon. When we use c end in for it to cracked by your payment Unne miss end corresPOrdirg ANNUAL PERCENTAGE RATES Information horn your OacK to mal®an aaatronL^ luny due l m a e and data Tilers f m p2ce aerntl a cash grace a and special i , the re m grace may very quarterly and may increase or decmase based t ttansfsr. funds may be withdrawn fornyour aeposa account as smn as go so" day we receive your payrranl and you If you perroo on any transaction ties airy 11ailsdCtlO If you pay the trial not ' " on he sateo kdices, as round h The Wall 56':et Journal. plus he margin pravlauly disclosed b you. These , win hot receive your check back rmm your igeoial N- A calauhg Baks Fica. b . konlce Charge. Tramxtims e are not Changes WIN be ~we al the fast day q your wog perodl covertd try Your ending in Ve pt/riafic slaarlart institution. Your authorization is not imted by the date on the Back We may moubrnt and eiectimecany conern returned enc subject to a Val period ors assessed Future charge i) from the tote d tha t"hem" on "than the data the maths or January, April, July and Od.Wer. c. If the code O (1,11x" Prime). F 011xrthly LIBOR) or O payments. 9. Bankruptcy. If you are entitled to bankruptcy prole bbho for iralaaCibll Is processed to yourACCOUri or 3) Can the first calendar clay of the c AWl " " , (Treasury UBOFg appears on the trout of your statement next b the periodic rate(s). the periodc rale'e and YOU aceourt, this co mru ication a only, for informational Puryoses. It a not an aUterrpl to collect, assess or recover a fohnihs ious id not not w Balance t you tl pay the New hair continue to acciw enorl in anl, r nnc billing isBC PtH CE N e re ANNUAL may vary V debt or claim. Do not send arty paynoft d ecty to us without speaking with your bankruptcy atlomley or bs U d it YOXNlIM * unpa balance your pat balance oval the un o r pal it ar * 0d may a1Crea88 a tl eefeese stated --I Oeaed on the Inclices, as found In The Wan SOW Journal plus the BanKruptFy flour. t you wart to contact us about your it e t nn wonIy ru paey thge that eYMyou a New may stiff Balambe ffxkat dlwgra, you pay on a da th e , mmM PIC:ta1Cy disclosed to you. Those charges will be account or Your baMUllphy proceeding, (lease have Your attorney contact us b. , drat Your ant US payment due d ue, d but ard o a eieclivs an Mile rust day or your biting penal each rtunh. 4. A9esssrmnt of Late. over" or Relumed Payment . rge D W for iha Pl n- M. unf not CID us m Barges ravo Fees. Under the ems of yar aatararagreemaM wA frBILLING RIGHTS SUA%1ARY c mm 1b V* Vle e, Chaebq ragman[ a your Alpo M are Added 00 segment Of . Mhbum arka Charge. For each billing parcel that , reserve the right to waive or not to assess art, fees without prior ramification to you wNot waiving ow right to assess (In Case Of trraa V Questions about Your Bill) 9 you think your 0111 a wrong, or n you road rrora i tm sl on . tool your RaccounttNANCE b subject C WYRGE to of a ¢D. nounsil us a med. ar aryoa the sere aSMAW to" at a low time, 5 M a transactor a 011, wnib m rn Cn a separate sheet as sans as Wesate el go address for inquires slwm on Ifs front of aft e r tl cir Charges. . Tertporary Rdupbn In FFl We es res erve . ernoterahp Fee anti Renew"Your Account. it a rren{ngrg? fee appears on this sa0arant wewln cmdt if* slaWMVL We must heerlmhn you ho, iota Vol 00 days ar ally a a an il rue"cs charges rx Via rrghi to not aasesa an for any gin billing ?? , fee it you equed b cbse your account withal 30 title thine M rem you the fist bill M which the artor a pobam appeared. Y ll ' 2. Avenps Daly 8elancs (Incb il New Pacfaa maainp Of this aalement You may continue to use the accourt dung the 30 day period baare your. request If you ou can ca oW Custbrner Reahana rnrnher or notify us by email x websile, but birg so will rot preserve your rights. In y m ly Fkaro eO 90 6 segment n t of by your aQ=ur ( the dash b2anW aeacrl sehrerrt of youracc'ounrt (a.¢, cash do not pay an Charges awed al this earogpt with in 90 days, or it You use Your cram cam a account After you request to Your faner. give us the Iokowgng aeomatnh: your name and Account nwrll ar, the dollar amount of me suspected eirx, a awanca, Purchase, special transrcl, anti spaclal purchase) b close, any rtwrnbareltp fee Prevlou sly Waived rtBy bc- oasMplbn of Ira enter and an elcPanalbn, f od, d Pcos why y the Wmeapadlrg daily PerroSa rates that has beer. () honsaead o yaxaccout. you believe them is el error a If you neej mile heormalial. a previousy docbaed to Yom At to ell of each day dunrg the berg Panod. we a" tie daily perloac raft for each 0. Closing a Suspending Your Account. You may request (Lscriptinn Of Vie item you are uqure about- You do not have to pa amwm an i srgrrd!t It Y- -=)t to It. d'ailY bakrse If each that your account be closerh by call orwrahg our Customer Reaaoa D amredn. At the time d your sl y y ques ron hee o nstgaul t, bud You are shN Obligated to ray the pant d your ur till that are rod in of sagrtwnt. Then at his and of Ine billart p arrive at add up the rewb of gore e t arrive at your th e tails we will Ixova a you with additional :seats on eosin 9 your acc nt Thi i quesiiO. Whig we investigate your question. we camel repot You as defir quest or take airy action to collsal the amout ou rg I oaCh seg a riodic I100 h mgt far aacll seaman. We e W the re o ou . s may ckkle paymen kaamaliat Ifyou I" Your credit cam orchages prof to your account after you ask y question. mr results, fr eac for your aount. To egmzc to anise gel Ito the to oetal daily balance (x finance charge a balan us to dose yowaccount we can kes our account Pon P y TOP") it We may close Of suspend your account and your r t S al RUM for Credit Cam P•lchases h f your account, we -tlt, we take iha beginning each of your rq L.efirce for sacil segment and aril Any taut mrsiadom right to obah crack We may do this at any acne and la arty Ml soon l r d i M L art a Inn war llx If y Intl YOU E'er 9' Y d pnupery ,A,- Y purchased with a cradi cam an] you have Vied in good arid any Paloac ar arce Barge caicunabd at the ?'t day's Will ran that f segment Are girl t a e ro n c A suspensla, x your account can be pemrarant ortemborary. If your account is lath to correct Ira problem WIM the marchant, you may have the ri ht t t h n , payments, r All nts Or acretlils posed as of Naz flay g that that are closed a au"hickid, You mat stop wag your credit cam and Account. You must also cancel oil PreaWlodzed Wing no o pay t g e rafraktng annum due oft the popery or _I(me. You Pave has KOUM rr only when the purchase price to that semWnwk gment: of your aaccccoouM?How$ePQMW eve YOU paifear for "elrorts to in* s we win noc do this Yom close or t hhona state o within 1$50.00 D mid it* miles a y? ining your (V we New Baarce shown on your previous sawri" it, full (or if youI now trance was zero a a cudil Amount) how uspen rf your accouit, you m s also do" all credit cams and actanl access decks. You owl1 or opelolo the ms"mil . or if we maned you tla a(werg c f . tmwmcb". which Post W You Purchase or special rrxrst>bi PaY they were charged agary All your you owe account is al closed led axount. or even t somma or the property or services, an purchases are covered regardless of about or local q p=hase.) Please pudame segments are not added to the defy balances. We susperldad. rerrertther to stir all rnrraspohnkvde. caknrlans iha average dally I*k lg the u by Vii theag go daffy tchlsr rxs together g and diving Ule awn by rambe a T. Aykkg Payeanls. P Payments You ai to us be crerfked t Goes rKY apph b business acaovn;s th the title in ga consult bring ryes. To calertate you,-too, ow to Your arzurrt as of tie bdairass dgy 1» recess L provided (1) YOU Send tie bottom potion of this statement thence "W. maaipy You aver dat number clays bulace b the h May Pe ra s ? and your CheCK In iha sncbssd farrlNarm snwelope std (2) You Payment a mcewed in or rocessin b 3 t Capital One supports riomiuorr punt,' protection: see ar r . all M . r* t o r dilly bes i g O a due mMnsal finimobir i Dh g has dwpe assessment Urea may be varanee p g cen y pm ET er (12 roan PT). Phase allow at sash two (v) bragoes days for Cap a fetlel-a y regibiersd service rtarK of Capri ens i i l C ' , f Lefroen tilt dial and ire arrbunt of franca charge postal delivery. Payments received by us at any olha F nanc a orporailon. All rights eeerved. Q 2tkls Capital one s achl3n y locabon or in arty dlertam many not be cfedhtd as of tie tlay tea receive gam Ow owner" dads eta Abnday Nrough .._- --- -setwrlaY. euhnding ndt3ays Changing Address? Address............ .. ............... ...._......_......................................._... ........................................................................................... Home Phone._.._ ..................................................................... Alternate Phone ........................................................................................... 7795244 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. 1, 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. Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Date a3,124.31 $0.00 1 $68.12 j$78.00 53,570.4 X516.00 Mar. 04, ?009 Jan. 08, 2009 - Feb. 07, 2009 Page 1 of 1 MasterCard Platinum Account 51784572.64113791 Your Account Information TOTAL CREDIT LIN E $3,00000 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $990,00 AVAILABLE CREDIT FOR CASH $000 (Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to ate APR CHARGE Purchases 51,33111 0053421/61) 2315% 52617 Cash SOHO O.CG3421/D 2315% MOD SpecialTrans $2,133.54 0.05342%D 2315% 54195 ANNUAL PERCENTAGE RATE applied this period: 23.15% o At Your Service • Go to www.turtdanwin to maragyau- a t, or Cat 18W-9033637 b report a bid or stobrr cad or speak W Cuw. Relalipms 0 Pay Online at ww pmAobrecom a malW payire:t b: Captal One Be* (USA). PIA • P 0 Box 71083 - aterbite, NC 28272-1083 send Inquiries to: Capital OrL P D sac 30285 - Sat Lake Cty, UT 84130-0285 Hama question about a charge on your stater sent? Please refer to the Biking Rights Summary on the back of your statement or visit www.caoitabne.eom/dsoules ?LEASE PAY AT iAST --MS A4*0UNT You're behind by five payments We've permanently revoked your chargrg privileges If you oorrinue to miss payments your accounl is at risk of being charged o8 Please don't hL Bus happen if Ycdre feelnng ovehWnr_d, cell us at 18 955 6iDO WeI work with you to resolve this matter Payments, Credits & Adiustments Transactions 1 02 FEB PAST DUE FEE 53903 2 07 FEB Ot7EP,LIMIT FEE FEB D7, :.'009 S3900 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your accamt was past die twice in the past 12 billing cycles If your rates have already increased, 3tboequent deingtoncle3 extended the dwaton of the increwed rotes Remember' If we receive your minimum monthly payment on trine for 12 consecutive bing cycles, this account will be renewed for a possible return to your Non-Introdictory APR Your account has gone over its credit knit. To avoid addloned werhnt fees, you should pay more than the Minimum Payment Please pay enough to briny your account balance below your credit limit immediately, and make we your account balance remains below your credit Itnlt. Please be sure the amount you pay accounts for any future purchases, fees, and finance shags You were assessed a past due fee because your minimum payment was not received by the due cute To avoid this fee in the future, we recommend that you allow at least 7 business clays for your minlmum payment to reach Capital One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LAG ON TO YWWI.CAPITALANE.COM TO MANE YOUR PAYMEPIF ONLINE 7795244 1 5178057264113791 07 3570430087000616005 Capital( u- Account Number: 5178-0572-6411-3791 Due Date New Balance Minimum Payment Amount Enclosed Mar. 04, 2009) ( $3,570.43 ) $616.00 PLEASE PAY AT LEAST THIS AMOUNT #9003916180244720# JENNIFER L WRIGHT 54 BLUE POND RD NEWVILLE, PA 17241-4531 h?h111111hIh?11h1611PIIIhIlIlr111°Olflrlllrllhrlr4lr Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 10 Piny -1- nnyt -no runic checks, tt-', n, d,tter Q M-nq? Chenye your eddreas only or na „ie had. /Q, Help >-e th, plant Go paper:,,,: y sign up at wow cauilalonc Coln Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1063 nlllllrll IrruhlrlrlllPldrrllnlrvllrlrfllrllrrllhlldrhll Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. NOT PAYING YOUR DEBT 500013 C'ap;F r DOESN'T MAKE IT GO AWAY. wAat'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. A7a.e tore y,-,n _ r I c °ay nc? r^,nl. r,r'ue r v r,'.:p^. ?.,, -he 'r. ._ ? ? In n r r ripe '.? nr, -?,aryed c`. JRCbninlO , u,., Cn; „r fj; _ t , _no „r., ;;?!•,:,._ ,.,,r FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,570.43-r $0.00 I +? $64.05 *? $78.000=( $3,712.48 -- J $756.00 I j Apr. 01, 2009 Feb. 08, 2009 - Mar. 07, 2009 Page I of 1 MasterCard Platinum Account -LEASE My A( LLSr THr Aro,,x Vl 517ti057L1i4113791 You're behind by six payment. If we charge off you, account due to late or misted R?yments, finance charges will contirvie to accrue. Act now to prevent this from happening. Please pay the minimum Your Account Information payment arrant QO your statelnwnt !Y give u> a call of 1.800.956.6670. W?r? hMe L rep. Take oanlrol of your credit with Capital One. TOTAL CREDIT LINE $3,000,00 1 OTAL AVAILABLE CREDIT $0.00 Ifi*mWat l IUxV* Undel the lei firs we, orev"ly dsdwed to you, your acawnt i now eliyble for an CREDIT LINE FOR CASH $900.00 increase in Annual Percentta,)r Rates (APRs) effective mme?tey. However, Capital One has elected AVAILABLE CREDIT FOR CASH en $0.00 not tD rase your APR9 at ft time. Please be advised that if you fad to keep your accomt in good .., slandirg, Capilal One reserves the right to rase your APRs in the hl lure. 'Finance Charges (Please see reverse for umporhant in(ormafan) Balslue rate Pe'klic Corresporgirg FINANCE applsdto rate APR CHARGE _`xchases S1,43293 0.06342%D 23.15% 525.45 Cash SO.00 0.06342% D 23.15% 50.00 Spec all,am 52,173.81 0.06342% D 23.15% S38.60 ANNUAL PERCENTAGE RATE applied this period: 23.15% At Your Service • Go to wymcmitabnesom b manage Jar ovum, or Gat 1?00.9i73-3637 to repel a Yator sbbrr cad a speAt b Qntnrri Rahtions O Pay Online at vmw.caaWbne=m or mail r." payment b; CTtal Ore Burk (USA). NA , P.O. D? 71083 • Qrut ille, NC 23272.0033 Send Inquiries to: Capital Ox P.O.6m 30285, Sat Lake Cry, UT 31130-02(15 Payments, Credits & Adjustments Transactions _ 1 04MAR PASTD'JEFEE ---- S39OD 2 07 MAR OVER'_IMIT FEE MAR 07,2n 539 OD Your account has gone wends crest limit. To avoid additional oveilimit fees, you should pay mae than the Minimum Payment. Please pay enough to bring your account balance below your ^edd limit immecelely, and make site yox account balance remains below your credit unit. Please be sure t're rmornt you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received W Ire due date. T5 avoid this fee in the We, we recommend fhat you allow at Last 7 business days for your minimum payment to reach Capital One. Q Have a quesWn about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www poidi? a PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO YWWV.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057264113791 07 3712480087000756009 Capita/ 1e' Account Number. 5176-0572-6411-3791 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- Apr. 01, 2009 I $3,712.48 J (' 5756 00 ll 1 it's fast, easy and secure. O Pay orline anylin -ro iocrc checks, s(amps or Llol:e!. PLEASE PAY AT LEAST THIS AMOUNT 0 Moving? Change your address online or on thr back. Q HOP save the planet-Ga paperless. #9006716180244721# Q Sign Up at WW-LAPltalone.com. JENNIFER L WRIGHT 59 BLUE POND RD Capital One Bank (USA), N.A. 7795244 NEWVILLE, PA 17241-9531 P.O. Box 71083 Illlrlllllllllll'1111111111'Illllllrlllll"1111"III'II'IIl'IIII' Charlotte, NC 28272-1083 ulllll'III"u41'h'hlllll"161h"II'1'lll'll"Illrlhl'lul Please mute d"wks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. JENNIFER LWRIGHT '...?...? • •..••,• `•°"`• "1°'?°• a.Gralx Perbtl. You era lave a mkwrxrm ga-e pwUO a 3. Annual Percentage Rolm (APR} a. The term "Annual percarttape RoW may appear as "APR" al 5' Notice Abort Electronic Check Conversion. 25 tees wkina tkferce soya on feW Purcnasas,clew b i d's, lea 9p9Cat alt IIeW WUerreniat $lelwrent. b WWII You Provide a rink as Paynoeck to as hu, r us eiber 10 use d f tram Your check 70 mak 1 -T prier ier cronies N You pay your hoa(of•N*W ? n . h Me Code P (Quarterly Hine), L (Quarterly utwrf}, C (Quay" CD), a S (Barlo-ru Phi e) appeals en Ile front a o i Mens or I e e a ola- 1rTq elechonlC trod Vansfw rom Yom deposit account a to t aCCOmg1 and In WIN the fns for r tt t 0 to to W o "owe erected di ftafor payments U?bw, and by your payment of this stat9nera nod to the ponoac rate:e) be pehodk Process the payment as a OhOCK transaction. When the use "WhilOUDIN from YOUR check to "Ke an electr ns f d due dale. TWO is no grace Period on cash aWances rates and cor-Posding ANWAL PERCENTAGE RATES ney vary 4wribly arch may Olcnesse or doorhom based o un Iransfw. funds may W Wthdravm froln your depose account and special transfers. In "Rion, there is V grace Pwlal On any transaction K you do riot pay the teal ' ' «t (ho stated 1111M. W rand in Tto Wall Street Journal, Plw the, r argh prevlowly dhacroaea to you These as soon as Nre same day the receive yourpaymenl and you Will not recawo your check tack from your Ilmutcnai cic o New BOW": b. Accruing Fharnca Charge. Transactions wfiich are not . ChOWWAtoollootiv covered by your= sobngra ding inn rte institution. Your audronz Is not amked the date on the chock. We may resubmit old ekctrorucarly coned mimled subject a a trace period we w3esaed (pane charge t) rmm 1're dale a tha tansocton a 2) from the cote ilea morphs or Jannry, AprN, July and Ocober. c. H the code D Prue). F If Me paYrttents' 9. Bentwplry. K you are entitled to Whouptcy PrDiectyOns for dasaciion b processed to ya ) calendar day of lhs cu m4 dl arg ttl. AQlK bn aly, LIBOR) appears on the frohi of your saterrent le# to the periodic ale(s) the wtodic mt. nd Your account. this commwtipaaon s onN For enorrraboral Purposes. It is not an attempt to collect, assess or recover a from om l anc d you did do( pay tl19 'TJ ewBal e" the p rovia s ung period in fat, (Hanes cl s COnl isacenle to ' . P a KULNIA KAI d f'E le r o Pro tleGf o" Cail11. DJ not sand dmtjy to us arly ankruptcy wader ey or Ito without speaking with your b .. pn balark rata Ire I Y ramCe is In a tlechafg oes ud on the stated an " plus the lhdli s, as round In The WON Street journal Baillun pliy CgOIL K you wart to co fact us aooa your t dill o We full This Irasg he a you nr dill creche cages, Sven K you pay tna antra New Balance indicated on the , rhai PraYiously disclosed to you. These char Q. will be account myour tsniaptcy proceeding, posse have your attorney contact us fret a your statement( by rte aym P ent due date, but dKl affective on Me first clay of your bAV p ftd each A . e not W so pevous vN na h. Ud hnanCe char gas 4. Ast" t of Late, ovenmt and ttelumed PaYmert Fees. Under the lerme of you c sionerag Beare t (e f81 W NG RIGHTS SUMMARY are adatl W a M NIe aOpacaole segent a yell A.ccout. c. Mknhlum Ft.. Ctlarga Fameach billing perbtl (tat , reserve UIw light to waive or not to assess arty fees Wililarl prior hcffCa5on to you wiUgWwaging pa r to assess Jr, Cas9 Of Eras a Questions aldut your bill) If you think your Dill is wrong, or If you load nom, infamatbn on your apCaet ra b a Finance Charge, a rritkfssm total FINANCE CI-VIRG HARGE d Tn.sov,iN ue hposed. the Dane drslrmlhr oee at a Inter biro. 5 M o F a transaction a till, mt* to us on a seporde sheet as soon as Possible at Me address for inquiries shlawl o1i the fr t f Ni o. Terrpaa7 Reduction in Firon a Charges. We lwsor o . orn l p ee and Renovi Yon Account. If a Memborslap fee appears on t/as stamment rte %,a carak UIe on o s staWnWI We must hear from you rho aterutan aG days Men It. light in not assess any a all firatce charges fo• any ;;Werl oiling Pwod feed you request to cbseyom axoum Wilhe130 days erne We sent YOU tlefM bill on which the OnW or 31bern appeared. ' 2. Average Deity Bd New P urc has es). Fi milug ath's statement. You during He 39 dry period may befcoornte continue our to rwusetueet the If you account y Y. can call our customer ROlabons numoer or nor rs ertak a websile, but doing so will not Preserve your rights. . In oc o lsaad by by _ muK1DM daily nance chi is ctrutetl the n9 dance Of each se9'm w11 Of trans acrd (9 9 cash . do not pay ON charges owe] on this ai WWI, in 90 days. Your lettOr, give us the folbTNrlg In onmation: your nacre and =will m th . . , andspaclelpnr Purchase. special U ou'ance G «t you us. your c.m it cad or account ar-y- request to close. ar, mnnbl iP fce Previously warej my to rKe er, e dollar amount of the suspected errx. a r?lWbn or the emur and an ezolanallon, N p..RA., orwty l the cor riddii ra Y w te prCN ipusry dtesnspCobltl9ed in9 to daily ? PAt the e end (s) Hal has been you At of each day doing t "AN rensated to Your account a ckrokg or Suspending Yom Account. You nor request You Geneve them is an error: a ir you reed mu-9 let.-hot. a d°3cnPlon of the item you are unsure aGOa. You do not have to K19 PWW- we apply Ue daay Periodic rate ror eaoh your aowa to Its daily bakewlr or each that your account be clement Oy calling a wntkg our Cust r R l li D Pay any amount in gUos(1a1 while we are utvasogat g n, out you are slip obhg3ob to Pay the Pmts of our bin that are or i segment. Than at the Ord of the bit Mrs p nicle era add up ile a er o .e a wts a ePanmtar. Al the time Of your request we will provide you whir addilional JOWils On closing your y n n qdO ion. While tW investigate yourquestion, we cartnot report a a res nS of M1011 n- cta c1l daily y (« each r eacin om to Segment. We at ofd your up the account. This may kvkM PaYrrert Mdorrration. K you usO w YOU delktqueid or take any ac W I to collect the amour K you tlas lesols from each segment to a.7w at Dire sal Periodic Your credit call acharges poet to your account aver ask eTS S on. finanre charge for your account. To ge(Ua daily balane for each us 1 11 your account. we can kOOP Yomaccowt open a reopen iL We may close or suspend You' account and your t Special Rule R ae for Credit Cad Purchases segrnart of Your acmwd, teat We trial leginmi :sane for Beet, segmet rhd all any nerw transactiac rWd to obtan crwnL We n19y do this 91 erne tip and 1« any rw I II you ou love a tre. i that you ^1" with the yuaaq µrxeny ed With 8 credit card rc ou h ied i and any Periodic Tsars ChWW calc'umma at the pMow s oalarrs f« tlrat Y We that subtract arty asoh, oy911 YOU are not h dGIOUK A suspension a aw account can be pernarleft or h if your Occooyn[ is y e meet th n good e . y ave tr n 9OOt Iola to correct the prWiwn With the riY.YC.'at, You may hove the id n ri t M OLd a- ( rat n ac t ' posted as of bat toy Nat are allocated th t t closed or s uspended, you nsett and aacollnt. You must also carcN all oe your cwt d pngaforizal l:illing g o to Pay the rema ni arroUrt due on the poe••ty on services.YOUraveUks p, prde P?fion only when the rchase o ot X a segrnlerrt This, o heis 9Nea is bl9 9 e daffy balance for VV, N earn segment or yaw attwant. Hosew, K You pea the array wrenta to the account we will not do tits I« you. N y errf we clew Of tl m was more pen $50.00 and Mai putittas was rtade let your home sate or Within 100 miles c Your ' was addr t paw aaatce shown at your prevkaa satenle'tt in full (« il p aren y owpow Your accoull, youec oat also destroy all cradd earths and ax 1 accessch you g ess, we I own o: OPOrala the It1er Chant v K " a and niled you the o Wn W your raw oance was zero Or a cmA amount), raw tear se"I' la, which postW You Purchase «ape^iel mast still Pay all amounts You owe de at the aa.•otrt, even u swrlent for the Popery or s all ucllases are ad nh purchase segmenls ale n101 added m Me daily Oalahte9. We may vomchanged after you, account is cksed« sus d d ve r bl ego?is of annoua« ImAbn of purchase.) ?case feh4miJer to sign all ,ommpondance t the average daily batattca by adding ell the daffy d M Hq can by He IaYlklal a pen e T_ 9 . Payments You r all to us wOl oe credted t t Does -Of apply b 5winess accounts ing c Ire day. cl MO, Conent ycls. TOCakuole yo'atoal cyo ur .cc ffi d the busMesa day we reci il, inatw charge, multiply Your average doily dance by to 13W Pon- tp rate ant by trio nUiGer of clays In hie bNang D - d Podion of tttb statement provided (1) you send it* L**" and Your ch9cK ri the wlclosed rwrsl w" wwe oPa am G') 1°u: W7•rte t is received in ar Pr or" coder by 3lon ET capital one supports info notult privacy prI tection. see our ale at www coppabre c«n ue to rounding a , no . rnatce c y *.*/ basis a der a mstkrnun tape MillannK I nwa may 6e a varonse (12 noon PT) Please alto at amt five (5) Iwsklass days for Capita One is a federally registered $ -e mini of Capita L f e Fi fRt e119 aloft old the amount of rrartce Charge postal drlivsry. Payments received by t4 at only assn nancial Corporation All rights reserved. 42708 Capkal One ually ldsed. n tuakyossesseJ loabm or h cry aherfonn may not be credited as of the day tea: McONe then Our Duaress days am Monday Mmdt h .--_._--._ Seluday, eXCludhg holCO)s. Changing Address? Address ........................ Home Phone ........................................................................................ Alternate Phone... ................ ..................................... ................................... 7795244 E-mail Address ........................................................................................... Plcase print address or phore 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 L statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. G Last but riot least, be sure to write your 16-digit account number on your check. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance fvlinimum Payment Due Date - - - -- 53.5U.?3 50.00 +' $64.05+ 578.00=1? 53,712.48 5756.00 Apr. 01.2009 =eb. 08, 2609 - AAar. 07, 2009 Page 1 of 1 MasterCard Platinum Account 51784572.6411-791 Your Account Information TOTAL CREDIT LINE $3,000 00 TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $990.00 AVAILABLE CREDIT FOR CASH r $0 00 (Finance Charges (Please see reverse for important information) 1 Balance rate Periodic Camesponang FINANCE applied to rate APR CHARGE Purd-ases 51,43293 005342%D 2315% 52545 Cash SO 00 0.O,'342% D 2315% S000 SpecralTrarr 52,17381 008342%D 2315% S38 6D ANNUAL PERCENTAGE RATE applied this period: 2315°> O At Your Service . Go u -,.,u Alb e n to ma kw yua aszud, a Cat I-KO-90335376 repot a bet aaDbncard orspeak mCL;Omer Reb6a s 0 Pay OflUne el fAiLmdabre can a rnEdyow pufm -d b: Capital One Bat; (USA), NA • P 0 Box 71083.Owtod., NC 29272-10183 Send Inquiries to: Carntal D P 0 Bat 3YA15 • Sat L*,e City, to 8413M235 Have a question about a charge on your stafenwe Please refer W the Bdtng Rights Summaryon the back of your >iaternent o visit www capdabne caNdsoutes PLEASE PAY At LPA 5r TAS AMcurvr You're behind VY $9 payments If we charm off your aocctnt due to late or mid payments, Finance drxr es will "tire to accrue Ad mw to pievu A this from ItappeninB Please Pay the minimum ayment amount on your statement or re us a cab at 1 80J 955 %0J VVe're here to hey Take control of your credit with Capital one ^lTnaiant HOW- Uncier the terms we prevousfy dsclesed to you, your accaint o raw eligible for an increase rn Annual Percents Rates (APRs) effecitm immediately Howev f, Capital Orx has elected not to raise your APRs at this trne Please be advised Inat if you fail to keep y our axcunt in good stanJwg, Capital Ore reserves Ute right to raiseyax APRs rn Ih9 future Payments, Credits & Adjustments Transactions 1 04 AMR PAST DUE FEE -- -" $3900 2 07 WR OVEP,LIMIT FEE MAP, 07, 2009 S39 DO Yax ?count has gone over its credit limit. To avoid additonat overlimrl fees, you should Pay more than the Mnrmum ,Paymenl Please pay enough to trig your account oalance below your credit limit immediatey, and make sure your account lkniance remains below your credit limit Please be sure the amount you pay accords for any future purchases, fees, and finance chases You were assessed a pest die fee because your mrnumum payment was not received by the due Cole To avoid this fee in the future, we recommend that you alb' at least 7 busness days for your minimum payment to reach Capital One PLEASE RETURN PORTION BELOOV WITH PAYMENT OR LOG ON TO 4WOW.CAPITALONE.COM TO MAKE YOUR PAYMENT 0NUNE 7795244 1 5178057264113791 07 3712480087000756009 Ca sit f a!( re Account Number. 5178-0572-6411-3791 D Lend a hand Save the land ue Date New Balance Minimum Payment Amount Enclosed . . Apr. 01, 2009 ;1 $3,712.48 $76.00 I I 5 ( l Manage your account online today- it's fast, easy and secure. l _ _J 10 Piny nrLne nnyhme-no Wore cherkv, titarips o- rluttPr PLEASE PAY AT LAST THIS AMOUNT Q Movmy7 Change your addres, onlme or on the bdc4. V Help save the planet Go paperless #9006716180244721# Q Sign up at wavwcapttatonc com JENNIFER. L WRIGHT 54 BLUE POND RD NEWVILLE, PA 17241-9531 Capital One Bank (USA), N.A. P 0 B III' rIIIIIPI'll '1111111111'111111lr1lll?rrl???.r+?lrl1'I1?'I1?1' - . ox 71083 Charlotte, NC 28272-1083 IIII Hill, 1n11111'il'll11116'111111. 41111fill, Please make checks payable to Capital One Bank (USA), NA and trail with this Coupon in the endosed envelope. 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 ??day of -, 2011 upon the following: Jennifer L. Wright 59 Blue Pond Road Newville, Pa 17241 By: Matthew D. Urban, Esquire PA ID# 90963 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 7795244 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) NA, Plaintiff, vs. JENNIFER L WRIGHT, Defendant. Case No.: 10-515-CIVIL TERM ORDER OF COURT AND NOW, to-wit, this day of , 2011, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $4,509.95 with interest at the rate of 23.10% per annum from December 28, 2009, and costs. BY THE COURT J. WWR# 7795244 04/# PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) THE PROTHONOTARY OF CUMBERLAND COUNTY ament Court.) (List the within matter for th"ext-, -Zi -- rn =7D 0 :x7 r cn O =p CA) C c? 70 ON OF CASE caption must be stated in full) TAL ONE BANK (USA) NA vs. L. WRIGHT No. 10-515 CIVIL Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): MOTION FOR SUMMARY JUDGMENT 2. Identify all counsel who will argue cases: (a) for plaintiffs: MATTHEW D. URBAN, ESQ. (Name and Address) 436 7TH AVE, SUITE 1400, PITTSBURGH, PA 15219 (b) for defendants: JENNIFER L. WRIGHT - PRO-SE (Name and Address) 59 BLUE POND ROAD, NEWVILLE, PA 17241 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: MAY 27, 2011 Signature MATTHEW D. URBAN Print your name PLAINTIFF 04/19/11 Attorney for Date: INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. CERTIFICATE OF SERVICE A tru( Mail, postag( and correct copy of the within Praecipe for Listing Case for Argument was served by U. S prepaid, this 2.20d day of, 2011, upon the following: Jennifer L. Wright 59 Blue Pond Road Newville, PA 17241 By: Matthew D. Urban, Esquire PA I D# 90963 Weltman, Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 t k, FILED-OFFICE THE PROTP,3 ?OTARY 2Oi I JUL 18 AM 1 I : 15 CUMBERLAyyN,,Dv COUNTY IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL DIVISION CAPITAL ONE BANK (USA) NA Plaintiff' Case No.: 10-0515-CIVIL TERM TYPE OF PLEADING vs. JENNIFER L WRIGHT Defen(;ant. PRAECIPE FOR JUDGMENT PER ORDER OF COURT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Matthew D. Urban, Esquire PA I.D.490963 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 7795244 $6,094.05 VAI. 06 ?cL ?sF lG?oc+?yy"% ? M641 ? rrs-? LC. IN THE COURT O' COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BAI,1K (USA) NA Plaintiff VS. JENNIFER L WPJGHT Defendant. TO THE PROTHONOTARY: Case No.: 10-0515-CIVIL TERM PRAECIPE FOR JUDGMENT In light of the Court Order granting Summary Judgment in favor of Plaintiff on May 31, 2011, kindly enter Judgment against the Defendant, JENNIFER L WRIGHT, in the amount of $6,094.05 computed as follows: Amount Awarded per Order: $4,509.95 Interest from December 28, 2009 through July 6, 2011 at the contract rate of 23.10% per annum: $1,584.10 TOTAL $6,094.05 Attached is :j copy of the Court Order in favor of Plaintiff for Judgment. WELTMAN, WEINBERG & REIS, CO., L.P.A. By: Matthew D. Urban, Esquire PA I.D.#90963 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 Plaintiff's address is: c/o Weltman, Weinberg & Reis, Co., L.P.A., 1400 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219 And Defendant's address is: 59 Blue Pond Rd Newville, PA 17241 CAPITAL ONE BANK (USA) N.A., PLAINTIFF V. JENNIFER L. WRIGHT, DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 10-0515 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE OLER, J., EBERT, JR., J AND MASLAND, J. ORDER OF COURT r` AND NOW, this day of May, 2011, after briefing by the Plaintiff and argument en banc, the Plaintiffs motion for summary judgment is GRANTED. In the Defendant's answer to the complaint, she admitted all relevant material facts necessary for entry of judgment against her. Further, she failed to respond to the Plaintiffs request for admissions rendering all those facts admitted as well. Pa. R.C.P. No. 4014(b). There are no triable issues of fact remaining and judgment must be entered in the Plaintiffs favor. By the Court, Albert H. Maslan ; J. Matthew D. Urban, Esquire 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 For Plaintiff Jennifer L. Wright, Pro se 59 Blue Pond Road Newville, PA 17241 :saa IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) NA Plaintiff Case No.: 10-0515-CIVIL TERM vs. JENNIFER L WRIGHT Defendant. NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendants ( ) Garnishee You are hereby notified thatt /foll ling Order or Judgment was entered against you on (xx) Assumpsit Judgment in the amount of $6,094.05, plus interest at 6.00% per annum, plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of (xx) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict ( ) Arbitration Award ( ) By Consent Prothonotary Jennifer L. Wright 59 Blue Pond Rd Newville, PA 17241 By: PROTHONOTARY (OR DEPUTY) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) NA Plaintiff Case No.: 10-0515-CIVIL TERM vs. JENNIFER L WRIGHT Defendant. NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendants ( ) Garnishee You are hereby notified that t foil ing Order or Judgment was entered against you on '1 (xx) Assumpsit Judgment in the amount of $6,094.05, plus interest at 6.00% per annum, plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of (xx) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict ( ) Arbitration Award ( ) By Consent Prothonotary Harold Irwin, Esy 64 S. Pitt Street Carlisle, PA 17013 By: PROTHONOTARY (OR DEPUTY)