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Home My WebLink About10-1431 ?veOP'it-1 I'?M12:47 Iry IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff No: /Q - /412/ l.?U?1???12-J'?? vs. JANE ZULLINGER 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. 525 Vine Street, Suite 800 Cincinnati, OH 45202 (513)-723-2200 FAX: 513-723-2239 07910547 C N Cin EMR S ?4?.aoI?CA??Y e ?' ys?GZ.?B R-,4 aas??' 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: JANE ZULLINGER 105 FOGELSANGER RD SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX7838 . 4. Defendant made use of said credit card and has a current balance due of $4829.74 , as of February 10, 2010 . 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 9.900% per annum on the unpaid balance from February 10, 2010 . A copy of Plaintiffs Statement is attached hereto, marked as Exhibit 11111 and made a part hereof. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff VS. Civil Action No JANE ZULLINGER 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 b 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 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 , JANE ZULLINGER , individually , in the amount of $4829.74 with continuing interest thereon at the rate of 9.9009. per annum from February 10, 2010 plus costs. Li ames WELTM 525 V Cinci (513) FAX: 079 This law firm is a debt collector atte our client and any information obtaine 71 WEINBERG & REIS CO., L.P.A. e Street, Suite 800 a i, OH 45202 -2200 -723-2239 7 C N Cin EMR ing to collect this debt for ill be used for that purpose. Previous Balance Pa R Credils FRANCE Yrnerda CFt4R0E TranaaWiorts New Balance MimrnNtm Payment Due pate C $4,276.67 - $0.00 + $37.36 * $78.00 $4,392.03 $738.00 May. 15, 2009 Mar. 20, 2009 - Apr. 20, 2009 Page 1 of 1 .: ali? Your Acootatt Ittformadon TOTAL CREDIT LINE $3,500 00 TOTAL AVAILABLE CREDIT 50.00 CREDIT LINE FOR CASH $3,000,00 AVAILABLE CREDIT FOR CASH $000 Finances Cttmges (Please we reverse for rmporlant information) Babrcerak Penodc Corresponding FINANIX appiwto ate APR cHAROE Purchases 54,30446 002712%P 990% 53735 Cash S 00 004107%P 1499% 9000 ANIMAL PERCENTAOE RATE applied this perlod: Bull i Q ammMmamin tomunipyour acoout, a C$ lAnMMW b report abd rx 4abn cad a"*b Oosbmer Role" ® PayOnline 9 amapabromm ormrAwpya>trttta Ci*eal one Baits (USA), NA • P 0 Bas 71063.Owlatle, NC 262721063 Sand Irpdries to: ClVA Orv P D BaLC 30285 • Sat Ida Cty, UT 84130-0286 PLEASE PAY Ai LEAY DDS AMUUW You're behind by sN payments If we charge off your account de to late or misoad payments, finance dw9n wi continue to accrue Ad now to prevent this from tappenn9 Please pay the mlrxrwm payment amount on you statement or give us a call at 1 800 955 660D We're hse to help rake control of your credit with Capital One Pamtents, Creft d1 ARiusbwts Tmnsat:tions 1 13APR PAST Dl1E FEE S3900 2 20APR 0VERLIMITFEEAPR2D,2M9 S3900 You account has gore over its credit Yrnt. To avoid addihorhd a erkrat fees, you should pay more than the Mnmun Payment. Please pay enough to tang your accent bei ance below your credit knit mnlediatey, and make sue you account balance remains below your credit knt Pease be sue the amount you pay accounts for any future purchases, lees, and Trance charges You were assesseda past clue fee becauseyou mrarlun peyrnat was not received by the Jed* To a old this fee in the We, we recommend that you Am at least 7 b days for your mrrnun payment to reach Caprtsl One is Haw a queedon about a charge on yow Natemere? P6me refer to tte Bitting Rgtts Sunmwy m the beds of your statement or visit PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WUM7.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE 7910547 Ac=nt Number 7838 Due Date New Balance Minimum Payment Amoot Enclosed May. 15, 2009 $4,392.10,3 ( $738.00 PLEASE PAY AT LEAST THIS AMOUNT H9011107260269635i/ JANE ZULLINGER 105 FOGELSANGER RD SHIPPENSBURG, PA 17257-9704 I I I 111111111111111.111111. 1111111111111111I I111I I1I11111111"I I -I 57838 19 4392030115000738006 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. e Pay orhnP anytime-no more checks, stamps or dutter © Movm97 Change your address online or on the back ® Help save the planet Go paperless Q Sign up at www capitalone corn Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 nl1111111tr111111111111111111111u111111i1111111111111dlllrl111 Please make drecks payable to Capital One Bank (USA), N.A. and moll with this wupon in the enclosed envelope. t t ?;: PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JANE ZULLINGER Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief Dated: /5//c S il'&o Shawn Wood A049 WELTMAN, WEINBERG & REIS CO., L.P.A. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ~$~~,ir oC ~ur~6rrr~h~ O ;~~,.' _ 1,.: cr~~c~ r F - ~_ ~ ~w ~ai~r of ~ Q~~ara>~ Jody 5 Smith Chief Deputy Edward L Schorpp Solicitor 2010 HAR -3 PM 3~ 13 r~ct ~I~"SYLV~NIA Capital One Bank (U.S.A.) N.A. vs. Jane M Zullinger Case Number 2010-1431 SHERIFF'S RETURN OF SERVICE 03/02/2010 04:40 PM -Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on March 2, 2010 at 1640 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Jane M. Zullinger, by making known unto herself personally, at 105 Fogelsanger Road, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same ti a handing to her personally the said true and correct copy of the same. MARK CO KL , DE TY SHERIFF COST: $46.00 March 03, 2010 SO ANSWERS, ~~^.~ RON R ANDERSON, SHERIFF (c Gouni9Suito Shentt, Teieosotf. Ync. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA, Plaintiff, VS. JANE ZULLINGER, Defendant. Case No.: 1431-10 CIVIL TERM MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire Pa. I.D.#93598 Weltman, Weinberg & Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 ? o -v ? _ --t rn s rn- ._ t ;:urn a, 00 c :) = = >c a °rn ca n -< o WWR No. 7910547 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA, Plaintiff, Case No.: 1431-10 CIVIL TERM VS. MOTION FOR SUMMARY JUDGMENT JANE ZULLINGER, 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 $4829.74 with interest at the interest rate of 9.9% per annum from February 10 2010, 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 November 8 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 has made no payment on the credit card since November 17 2008; that she applied for the credit card; that the statements attached to Plaintiffs WWR No. 7910547 Discovery Request correctly identify the payments, charges, and balances on the account; that she has not submitted any written disputes as to billing inaccuracies; and that $4829.74 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 $4829.74 with interest at the legal interest rate of 9.9% per annum from February 10 2010, and costs. Respectfully Submitted: By: Pa. I.D. 359 Weltm mberg & Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 7910547 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff No: Vs. JANE ZULLINGER 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. 525 Vine Street, Suite 800 Cincinnati, OH 45202 (513).-723-2200 FAX: 513-723-2239 07910547 C N Cin EMR COMPLAINT ' 1. Plaintiff, CAPITAL ONE BANK (USA),NA is a corporation with offices at 15000 CAPITAL ONE DRIVE RICHMOND VA 23238 2_ Des°ndant is adult individual(s) residing at the address listed below: JANE ZULLINGER 105 FOGELSANGER RD SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX7838 4. Defendant made use of said credit card and has a current balance due of $4829.74 , as of. February 10, 2010 . 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 9.9000 per annum on the unpaid balance from.February 10, 2010 A copy of Plaintiff's Statement is attached hereto, marked as Exhibit "1" and made a part hereof. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff r.s. Civil Action No JANE ZULLINGER 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 art 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 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 , JANE ZULLINGER , individually , in the amount of $4829.74 y'it continuing int.°rest thereon at the rate of 9.900. per annum from February 10, 2010 plus costs. James 525 V Cinci (513) FAX: 079 This law firm is a debt collector att our client and any information obtain N WEINBERG & REIS CO., L.P.A. e Street, Suite 800 a i, OH 45202 T -2200 -723-2239 7 C N Cin EMR ng to collect this debt for 11 be used for that purpose. Previous Baance Payments & Cr „4,278.57 Mar. 20, 2009 - Apr. 20, 2009 FINANCE ed'ds r*IARGE Transactions New Satance Wr imum Payment Due Date aZ7.36 Jr $73.jO $4;392.03 ( 873a 00 ` h9? ay. 75, 2009 `- Page 1 of 1 KEW PAT Af uASr'nas PAOaM 1lt/1fC01Att Your AcoDunt hibrim Lion TOTALCREDITLINE $3.50000 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3.000.00 AVA6ABLE CREDIT FOR CASH $0 00 Finance Charges (Plemewe Daiwa Ax mpmbvd r4ornmkra B*Omrak Pettotkc Cot eVmll rg FK%4= *pbed b tale APR CNARBE Plodtexes S4.3*45 002712%P 99A 53726 Carte 9000 0041W%P 1499% 9000 ANNUALPEI=ifAGERA7EapplfsdFb9pd*& e!0% ALYotaServka•Cob btarameyavatwua, aQi $4WS =bnpAabdord*owdvr*w&b0>tmr ReYdis G P*V0dwaL amelymrp I -,'tx 9aA(L mA•POBxcTw3.0wbk NC CeNOWttriasb: L1par10ao-P0 8ac302B6•SdLdeC81:Ur84T30-0m6 YQPebdwaibytapaytnenb IfwedgeaRyotrao=Adebk*crmaadpxfa".Wome dargss WfiCMdae IDww a Ad now b P WWd Lhn tom Iapaang Pktnepey tw iRrararn (erymaltanrnxdonyats4dalrada?vewaalN18W936KO Weteherebbeo raheow&d dyotr aedtwdh C W"0 w PaYmenls. Credits & Mosbr+ents Transaftns f 13APR PASTOMFEE SMOD 2 20APR MKWFEEAPR20.2009 S3900 Ytxr emaad tes pxleorer is aedt trLL Toevad nliaotel owbrM fxa, yausMtddpty mote fast tlekhanasnPig7neM Pkesepeyena0hbb7ngynusozurdhabelcebdvnyovcnedFbat mna3MeM. ardttaNe strsyotr aoowLtbdrae retrtwa b•bwyolraa6llrnt. Pkxsebe pure to wimrdyoupgraxarfsfor aytareardeees,b a,stdR dw9m YouwaemmmWapntduefeebecaseyarmrrtampcymantrosnotmmiedbrFededge To wx d#o fain 6ebaas, we momwod dWyou albw at bM 7h wwn days rot ypr mtmnm Fwflnm t lo iamb 0spdd0rw NaVCa4ues9OnabelRadwwQnygwSb eta w Pbmaerdar b 11eBlfrg RtgMb Slnanayat ttebxk dyou sWoriatt or vat ' PLEASE RE"N PORMN BELOW WrFH PAYMENr Olt LOG ON TO YWWPCAMTAIDNE.COM TO WXE YOLK PAYMENTOM1NE 7910547 Aamunt Nu nber: 7M Due Date New Balance Minimum Paynmt Allwttrt Emlosed May. 15, 2009 56.392.03 ( $736.00 PL PAYYAArLEAA "011107260269635/! JANE ZULLINGER 109 rOGELSANGER Ri SNIPPENSBURG, PA 17257-9704 IltlalNllllll?.l•Ild.lf111'Illlrll'!11'I?ii'Itlllllli"11'1 57838 19 4392030115000738006 Lend a hand. Save the land. Manage your account online today- it's fast easy and secure. Px/ onkne anytime-no more checks, stamps or dotter ® Mawr97 Change your Addran wrbne or on the bade ® wqp save 1M pw.et c o paperim 0 Sian up at www caplialone Comm Capital One Sank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 NIltllidtP•utlle4'ItlPtl?'IlN4e'll'1'lllrll'PIIIIIhNhd Phase make checks pwp* to CapRal Orm Be* (USA), NA and read with 06 coupon h the endosed erwdope. PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JANE ZULL LAGER 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: 11511o - S Shawn Wood A049 WELTMAN, WEINBERG & REIS CO., L.P.A. Jane M ZuBinger 105 Fogelsanger Road Shippensburg, Pa. 17257 April 19, 2010 RE: Capital One Bank n Case # 1431-10 Civil Term A -k k S5 w Dear Prothonotary Officer, My answer to the compliant for not being able to make paym to ?'Q Capital One Bank is due too loses of income, medical hardship, stir w unemployment. I am receiving Social Security disability benefits and request the Plaintiff review my concerns and reduce my payments. Please confirm this request and issue any concerns. Thank you for your cooperation. Jane M. ZuBinger qlcer-c- )?-4 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CAPITAL ONE BANK (USA), NA Plaintiff, V. NO.: 1431-10-CIVIL TERM JANE ZULLINGER, Defendant. PLAINTIFF'S FERST 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 rese 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 consr tiites an admission in any such capacity. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity" "identify" "identification", when used with respect to a 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 name and address of his present or last known employers; D. The words "identity" "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "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. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all 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 applied for the credit card referenced in the Plaintiffs Complaint. Admitted Denied If the answer to Request 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. 2: 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 May 13, 2007 through May 15, 2009 and attached to these requests as Exhibit "2." 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 "2" 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 "2" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions 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 November 17, 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 Denied 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 "2" 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: $4,829.74 is a correct and accurate current balance of the credit card account in question as of February 10, 2010. 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. Pa. I.D. #93.598 , Esquire Welt an einberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:7910547 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 4`,wJ1 a fk=u'?, 2010, upon the following: Jane Zullinger 105 Fogelsanger Rd Shippensburg PA 17257 By: EXHIBIT G'apit"I- Welcome to Capital One ...........:...........:... .............................1 Some Definitions ....................................... ...........................:.1 Account Agreement .................................. ...............:.............1 New Offers .......... ........................ ............... ............. .................2 Account Information ...........................:..... .............................2 Credit Limits ........................Z Using Your Card ................. . ....................... .....:.......................3 Rewards 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 ....... .............................. ...................... ... . 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 Glossa ...... ................................. ............ ....18-19 Your Credit Card Agreement 1. Welcome to Capital One. Thank you for opening a credit card Account with us_ This Agreement contains the terns for your Capital One credit card. 1. Some Definitions. The meanings of the terms you see in italics appear in the Glossary Section. To make the Agreement easy to understand, we will also use the following personal pronouns: "You", "your" and 'Yourself' mean each applicant and co-applicant for the Account any person responsible for paying the Account, and anyone they authorize to use, access or service the Account. It also includes an Authorized User as defined in the Glossary Section and as the language 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: (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 with others; (5) your Card benefits brochure o + whilch place all benefits Vrrprovided by the Card Association for your Card and Account. The most current version (6) the 'Small Business Credit Card Addendum" If you have a small business Card; (7) all disclosures and materials provided to you before or when you opened your Account, including some Truth in Lending Disclosures; (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. Please read these carefully and keep them for future reference. An Image of any of these can be used instead of the original. in. The t doc umeenntta ionffoor these offerrs might will bemake pronew offs to ou or vided when we m ke you the offer. If y u accept tthe offer.this Agreement will stiinterestedly except asGmodi ed 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; -ri (6) your employment information. information changes. Please mail these changes to us at the address provided on our Statement. You may also update You must tell us when this some of this Information by logging onto your Account on our website or by cajl'mg 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 may give you different credit runits for the different Segments of your Account. For example, you might refer to your d eldit tti as for purchases than for Cash Advances. have a 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 limit on any Segment at any time. This will not affect your obligation to pay us. 3. Using Your Card. When you activate and use your Card, you promise to follow the terms of this Agreement. Please sign the Card Immadlatey 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 willtake 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 frri t for that Segment in each BMIng 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. floods disasters or her un From time time, due to circumstances this beyond our on mf able to use yourrCard or obtanat in information abo ttyour AccountaWe willm of our services s might be unavailable. When this happenss, you 9ht be un be responsible or liable if this happens. 3. Rewards. Your Account might provide you with the opportunity to earn rewards. It it does, we will separately provide you with all information and terms about your rewards. We will include on your Statements ail rewards you have earned- It might take up to two Billing Cycles for your Cash Advanceser we will treat them as purchases, earned rewards to appear on your Statement. Usin Balance TrangstersuCash Advances Checks. Checks swill Ordinarily, we treat Access Checks, or Special When Transfers. provide 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 your actual damagesrand not pay any Access will not exceed the mount for of the Areason. ccess Chelckbility for our wrongful dishonor of an within the Access ChCeck wn1 be 1 miied organization. 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 Checks. 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 payment because the Access Check a reasons, m may you keep the stop payment rmation we asked for or the information fee. you gave us was incorrect if we cannot stop payment Once we complete a stop 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 slop 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 with additional Cards on your Account. if we agree to your request, we will treed 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 Aufhorized 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 During this time, you sill will be responsible for all amounts they charge to the Account. You will be responsible even H these amounts do not appear on the Account until later. We may dose your existing Account and/or 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 for all tpurcha es) that person makes. Ws will be treated the same way as if you used the Card in person. If you let someone else use your Card, you ate responsible 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 ?un? Account Statement wdosiiww all Uit balance billed to you Accounlt during more than $1,00 or if we have charged a Finance Charge your the Billing Cycfe 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 • •4 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 an information in the Statement is correct o give dispute all t a transaction made your rights against that other person. You oalso n your and we later credit your Account for all or part of the disputed amount, you (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. 64. 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, we may then charge it approximatey once per year during the Br ling Cycle that includes the anniversary date of your Account opening. If it is a monthly fee, we may then charge 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. We may charge you a fee if we do not receive your payment in time for us to credit it by the due date shown on your Statement. • Overtimit Fee: We may charge you a fee if a transaction, Finance Charge, or other fee, charge or balance causes you to go over or remain over any o your credit limits during any Billing Cycle. • Returned Pavment 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 If we do not pay an Access Check for any reason, including when your Account is in default, overlimn, suspended or closed. Sloo Pavment 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. • Co rn Fee. We may charge you a per-page fee for copies of transaction documents or Statements unless they are required in resolving a fling 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 Made in Foreign Currencies. If you make a transaction in a foreign currency, the Card Association will convert it into a U.S. dollar amount, The Card Association will use its currency conversion procedures in effect when it processes the transaction. Currently, it uses 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 ad)ust 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 ove mit fee. quest a higher minimum payment minimum you. Be payment e that paying the due only the minimprovided in the um payment amoutntr mightt not b enough to u avoid credit an Omit we may from O'W -mad still must pay at least the minimum payment amount shown on each Statement we send you. We will continue to charge Finance C arges during 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 depositaccount 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 it, if: (1) you send the remittance coupon included with your Statement in the some 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 Finance Charges. Fdster 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 servlcas, 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 w81 be responsible for the payment made even if that payment is rejected or not paid. 9. Payment Processing We may accept and process payments without losing any of our rights. Even if we credit your payment to your dela and has cleared. that irm until ret tpayments. We may alsohadjustt•youryAccounttas nece ary to correc errrrorrs. to tprocess retur ed and rresubmit eversed payments, a dcal lto hia dtle 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 your deposit account or to process the payment as an Item. We will provide additional information about this process on our Statement or other documents we send you before your payment. You may contact us and ask that we not process your future Items in this way. When you provide an 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. We will not be responsible if an Item you provide has physical features that when imaged result in it not being processed as you intended. 9. /"low We Apply Your Payments. We generally apply your payment to lower Annual Percentage Rate balances before higher ones. Please refer to your Truth in Lending Disclosures for details on tow we may apply your payments. 9. Items with Restrictive Words. Conditions or Instructions. All Items that have restrictive words, conditions, limitations or P O . special 30285, SaltLake (including Items markedwith the UT 84130-0285. If you make our payment to any other address, muste may accept and pro ess thpe payment at: Ca 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 if: (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 filed by or against you; (5) you die or are legally declared incompetent or incapacitated; (6) we determine that you made a false, incomplete or misleading statement on any of our Account documentation, or you otherwise tried to defraud us; or (7) you do not comply with any term of this Agreement or any other agreement with us. For certain actions, including changing the rates and fees on your Account, our options appear in our original offer 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 mintmum 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 described in the Arbitration Provision Section. , of a lawsuit against you or our requiring arbitration as 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 any time, including weekends and holidays: (5) contact you with any frequency; (6) leave messages on your answering machine/service and with others; and (7) Identify ourselves, your 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 10 services and use automated dialing and announcing devices (aulodialers), 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 obtain anthe d use nfform lion ab?youpfrrom on?sumerd(cr i) reporting agencies and our orts. you do not comply with the terms ofpthisrAgro Went your others as the law allows. our 11-12. Closing or Suspending Your ACCOUnt. You may ask us to close your Account by calling o writing u as desciibe at details Statement. Your Statement will provide additional information about this process, and we may also separately provide you 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 for any reason, even if you are not in default. A suspension of your Account might be permanent or temporary. If your Account is closed or suspended for any reason, you must stop using your Card. You must also cancel all billing arrangements to the Account wil owe nl thnot do this for e Account. e you. if we it they cloare se charged pafter ermanently suspend .recount is cbsdunt, you must also destroy all Cards_ You must still pay us all amounts you or suspended. 12. Lost or Stolen Card. You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your Card is lost or stolen or if someone else might be using It without your permission, you must tell us at once. You may tell us by calling the telephone number on the back of your Card or on your Statement or by writing us at the address on your Statement. You will not be responsible for charges made to your investigate, pursue and get reimbursement from the wrogdoer You he p ncr udes gvg us doccuments that we ask ffor and Card. reo cceptabls to us to be unauthorized. If we 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 tol24 ou 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 fement. Our notice will tell you when and how the to both changes ba antes effect and describe any rights you have in connection with the changes. Unless we tell you otherwise, a changes will apply unpaid 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 five or where you use the Card. We are located in Virginia. We make the decisions to part were not here ? In Virginia. If any part of this Agreement is found to be not 1 be read a and and tend credit to epen and old ttfis your Account. issue 12-13. Waiver. We will not lose any of our rights if we delay taking any action for any mason 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 biding 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 ibis Agreement to another company or person without your permission and without prior notice to you. They will re infor med take our place under this Agreement. You must pay them and perform all of your obligations to them and of us. if tyh nkpa res after eu a is includes any y returnin that w h t to you transferred ythe payment to the other owe can ther company or person. n9 the payment you 18-19. Glossary. "Access Checle means any check we send to you to access your Account We may also refer to an Access Check as a "convenience check" or a "purchase check.` "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 Bing 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. It 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 - P. . • . . . __ ' .-. `.'. _ . '... . 'Finance Charges" means certain charges that are your cost of credit expressed as a dollar as o for m Theso chatrges Include the interest you pay on your balances and certain types of fees. Please refer to your Truth in Landing Disctosu "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 subjed t 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 Special Transfers. "Special Transfer" means a Transfer posted to the Special Transfer segment of your Account and not to your purchase Segment. nt. i other • 'Statement' mans a document or information we information m de o y ur Account during a BUflng Cycle We m gh also refer ouyou St to em? as a "Periodic StatemienV orna -3,,g transactions • "Transfers" means balances transferred from other accounts to this Account and Includes Balance Transfers and Special Transfers. } rovide ' means federal • Regu ation Z.Thi si Disclosures udes your solicitation any Account oinaccountformatioopenin we dis osures, Stthat red change in t rms noth ticesLending Act and 'Truth In f i 13-18. Arbitration Provision. ' You and we agree that either you or we may, at either party's sole election, require that any Claim (as defined below) be resolved by binding arbitration. NEITHR NOR WE WILL HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT IF YOU OR WE ELECT ARBITRATION OF A OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE 1N AOCLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTATIVE j 1 I PROCEEDING. EXCEPT S SET FORTH BELOW. THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT YOU WLD HAVE IF YOU WENT TO CO, THE TO CONDUCT ERY OR TO UN VAILABLE IN ARBITRATION. T EEU EESN ASSOCIATED WIITIH ARBiTTRAT ON MAY IBE HIGHER THAN THE FEE MASSOCIATED WITH COURT PROCEEDINGS. 1314 Special Definitions for this Arbitration Provision. For the purposes of this arbitration provision ("Arbitration Provision"), the following definition i shall apply in addrt on to the definrbons set forth m this Agreement: j "Claim' means any claim, controversy or dispute of any kind or nature between you and us. li i A. This definition includes, without limitation, any Claim that in any way arises from or relates to'. • the Agreement and any of its terms (including any prior agreements between you and us or between you and any other entity from which we acquired your Account) • this Arbitration Provision (including whether any Claim is sub)ect to arbitration) • the establishment, operation or termination of your Account • any disclosures, advertisements, promotions or other communications relating to your Account, whether they occurred before or after your Account was opened • any transactions or attempted transactions involving your Account • any billing or collections matters relating to your Account • any posting of transactions (including payments or credits) to your Account I? any goods or services charged to your Account t any fees, Interest or other charges assessed to your Account, or their calculation 44i • any products, services or benefits programs related to or offered in connectiodwiih your Account (including any insurance, debt cancellation or { extended service contracts and any programs, rebates, rewards, sweepstakes, memberships- discounts or coupons) whether or not we offered, i Introduced, sold or provided them j • our receipt, use or disclosure of any information about you or your Account 13. 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) even if we are not properly named at • for which we may be directly or indirectly liable under any theory, including respondeat superior or agency 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 Clairo 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 administraors CAdministrator' or, collectively, 'Administrators") will administer the arbitration: JAMS 1920 Main St, Ste. 300 Irvine, CA 92614 www jay rn American Arbitration Assn 335 Madison Ave., Floor 10 New York. NY 10017-4605 www adr.oro National Arbitration Forum P.O. Box 50191 iviinneapolis, MN 55405 www arbitration-forum.corrl You may contact any of the Administrators to obtain Information about arbitration, arbitration rules and procedures, lee schedules and claim forms. 15 16 Election and initiation of Arbitration. You or we may elect arbitration under this Arbitration Provision with respect to any Claim, even if he Claim is part of a lawsuit Fought in coo .You or we may make a motion or request in court to compel arbitration of any Claim brought s part om any lawsuit We will not elect or initiate arbitration of any Claim brought in a small claims court (or the equivalent), so long as the 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 . [if Administrators must and collective Initiate other rhp?rssSe one ive of the Administra ors, a doyou must ma 1 usila ytnoticeerequirred by the Adm nsttrator to PAt Box 85550, Richmond,r VA 3285- last- may c tbilU?ni addrress. elf wtie have initiated arbitration, wthe e will change the Administrator t your request iffyyou not notify us in wwriting at he above initiation known 9 of arbitration. 17 P adores d A I' a in itratio.This Arbitration Provision is made pursuant to a transaction involving interstate commer whether a to arbitration shall cs and ienforcement Arbitration shall a governed by and en orcea a under the Federal Arbitration Ad {1he'FAA"). Quesb twit the, but Claim the is validity subject and e be resolved by Interpreting this Arbitration Provision In the broadest way it may be enforced, consistent with h the AA and the the terms of this statutes about of ages award dam or Provision. The arbitrator will apply substantive law consistent with the FAA and applivable Questions any class action n waiver is a applicable isubstantive law (but whit notshave power to review the enorceab The obis vetor of the any "No Consolidation or Joinder of Parties,' below), but the award shall determine the rights and obligations of only the named parties and only with respect other relief permitted y to itt Claims in arbitration. The rules and procedures of the Administrator, which you may obtain from the Adminisarbitrator rat?'shhnot be ll g vaunt by, a his at would apply In any court' b to stale or unles ss 9hM nY conflict with this Arbitration Provision, in which case this rulesatlon procedure Provision and will apply. evidence l that oul da that you attend in person wfl Arbitration Provsion shall not subject: edings. You ort.we state or may have hearing i a??tion. Arry arbitration g which you and we lope laws that relate to arbitration proce 1 n law take place at a location in the federal judiiaa district that includes your last -known bpi address or at some other place upon agree. You or we may be represented by counsel. If you or we request' he arbitrator wd honor claims of privilege recognized under applicable and will use best efforts request of either party. will a writeen statement tofhe use of reasons for he protective award. orders}. The arbitrator will make any award w writing and, at the timely ra q e. You the any Initial waiverrwe will other 17. Costs. The party mmtiistraorb@ will pay the Initial aicci?i tit ferules of the Aseek a dministraor.If ythe ou seek butt do not qualify for' ainistrato fees coeecthrey. "Adminstraor's Fees") under any aPa bl feeslan?d coor reimburse sts we are required to consider any en request by you for us o pay or reimburse you for all or part of the Administrator's Fees. We also fees and costs (including the son for us or pars of the Administrators Fees if the arbitrated I nthls Agreement. your rid we will beer all of our will pay any fees pay by law. Othervvmse, and except as prove arts and witnesses), regardless of who prevails. Allocation of fees and costs Administrator's Fees and the fees ad costs relating to attorneys, exp relating to appeals In arbitration wdl be bandied in the same manner. 18 No Consolidation or Joinder of ParUe? eerai action orather representatie or proceed action. Unless all parties consent, either you trot we a court as a class action, private attorney 9 may join, oonsdldae or otherwise bring Cleans rented to two or more accounts, Individuals or accountholders in the same arbitration. Also, unless eral action or other representative or collective action in rsue a sass action, Private atto=n all patties consent, neither you nor we may pu a has arbitratiar. You will not have the right to act as a class arbitration, not may you or we pursue such actions in Court if any p rtY represenlathre or participate es a member of a class of claimants with respect to any Gaim as to which arbitration has been etected_ ? 11 liell 11111 11111 hilliiij? i6. J en an ea . e a ra o s which wUl consist of Three arbitrators, will consider all factual appea d e award making a written request o the Administrator. The appeal panel. and legal issues anew. vw71 conduct Ute appeal n the samfi al andertceur[on oftthinitial itrrtororr of the aPPsat net ismsubject to judicial review only as FAA by any court having jurisdiction. major?iittyy The panel's decision will be final and binding. Arty set forth under the FAA. An award !n arbitration wiiU be enforceable under the 1 B Miscellaneous Naiver Severabillty Ste. If You or w?doo no rest rbi?? In coone8?enforce that or any outer C akn. This Arbitration with any particular Cisim, you or we well not waive any nigh our Account and your relationship with us; (im) Provision shall survive: (I) suspension, termination. revocation, cbsure or changes of this Agreement, y the bankruptcy or insolvency of any party: and (iii) any transfer of Your Accowl, or any amounts owed on your Account, to any other person or m this entity. If any portion of this Arbitration Provision fs deemed invatxt or unenforceable, the remaining portions of this Arbitration Provision shall image itration of this Provision and h Agreemem Agreement t ch and other related provisions documents nevertheless remainvalid agreemefnt his Arbitrationevent Prof a Fill or ovision hag govemSAnphotocopyn or his other Arbitration Agreement or any p maybe used in place of the originals for all purposes including litigation. 4 :op" 'M ® 2008 Capital One Capital One is a federally registered service mark All rights reserved COF Customer Agreemem 005 M-93465 500016 Capital Ones 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 fist of services. C' I what's in your wallet? FINANCE Preno s get- Psymme, 4 Craft CHARGE Trasmbas New Balese Mansura 7.'ayOreQ Dub Defe 13 2 581 00 Ma 007 $522.93 - $80.32 $0 + , y. 52,267.32 52,729.93 Mar. 15, 2007- Apr. 13, 2007 Page 1 of 2 rOAkt ee Ar uws7 ar6 Auat Prom Credit t AdiunngA otes Vsa Ptamkun Account 1 . 02 APR AC MOORE ARTS&CRAFr 82 MECHANICSSUR PA SIO 32 4867`3671-7643-7838 2 13 APR PAYMENT 150"00• Your Acco" lofsnamm TrW A acbm TAL CREDIT LINE $3.000.00 3 - 13 MAR BARMYRE KENNELS SHIPMSBURG PA 54140 TAL AVAILABLE CREDIT 1270.07 4 14 MAR GYMBOREE 8500650050087 HAGERS70WN MD S76.03 EDIT LINE FOR CASH $3,000.00 j 5 14 MAR PLOW HEARTH HAGERSTOWNHAGERSTOWNMI) 11782 Al BLE CREDIT FOR CAS14 5270.07 6 14 MAL GULF 91425329 SHIPPENSBURG PA 52100 7 15 MAR INSIDE OUT WHERE BEAUT CHAMBERSBURG PA S5500 6 17 MAR BOYDS BEAR COUNTRY GETTYSBURG PA S9542 Foams Charges ?Imse sm revem far --P- Blares 9 18 MAR GIANT FOOD SORES 861 SHIPPENSBURG PA S2436 once roe P ? C ?"? l0 19 MAR HERSHEY SPORTS t ENT T 717-534-8953 PA 5267 09 P 11 20 MAR MARSHALLS 0834 MECHANICSBURG PA $3995 Pkadnse SO. oo 0.00000% 000% $O O0 12 20 MAR AC MOORE ARTS@CRAFT 82 MECHANICSBUR PA 5151 41 Cash SO 00 0 0547"W 1999% SO 00 13 22 MAR CHDDRENS WEAR DIGEST 800.242-5437 VA S ANNUAL PERCENTAGE RATE applied lhs Period 0 14 23 MAR N SHORE ANIMAL LGE 516.883-7222 NY 00 15 23 MAR BON 7UN-CNAMBERSBURO 0000 CHAMBERSBURG PA 172.96 At Your Samce 1-800403-3637 16 23 MAR BLOCKBUSTER VIDEO 842275 SHIPPENSBURG PA S1,128 To a8 Customs Rdmtas ar to report a lost or stolen card ® 17 23 MAR GIANT FOOD STORES 061 SHIPPENSBURG PA SI60 43 18 23 MAR GARDNERS CANDIES CHAMBERSBURG PA S2839 Send poInnaft to, 19 23 MAR RAD10 SHACK 00115535 CHAMBERSBURG PA S3391 $3031 ® Capitol Ore Be* fi P O Boa 70884 fi ChadolK NC 28272-08% 26 MAR GIANT FOOD STORES 061 SHIPPENSBURG PA 21 26 MAR GULF 91425529 SHIPPENSBURG PA 54604 22 31 MAR THE YARN BASKET CHAMBERSBURG PA $29464 A Send ngmnes to nd One fi P O Boo 30265 fi Salt Lake City, UT 84130-02833 Ca 02 APR AC MOORE ARTS#CRAFT 82 MECHAYICSBUR PA $16.27 $3000 p 24 02 APR LEBANON INTERNAL MEDICAL HERSHEY PA 25 05 APR LErn ANDS END CLOTHING 800-332.4700 WI S4645 26 OS APR GIANT FOOD STORES 061 SH IPPENSBURG PA $39 98 27 09 APR TARGET OW22418 CHAMBERSBURG PA 165.24 28 09 APR CIRCUIT CITY 04144 CHAMBERSBURG PA $10806 29 10 APR SUMMIT CANCER SERVICES 717-217-0020 PA 140.00 30 10 APR SOFT SURROUNDINGS 888-4147638 MO S9185 31 11 APR GIANT FOOD STORES #61 SHIPPENSBURG PA S10327 32 11 APR INSIDE OUT WHERE BEAUT CHAMBERSBURG PA 16200 6056 506 1 7 13 070413 PAGE 1 of 2 01806056 PLEASE RETURN PORTION BELOW WITH PAYMENT ?,?6.,8 0 4862367178437838 13 2729930050000081005 0w I v*Ar.inyour wasar - Account Numbeld88243671 7803-7838 New Balance Minknum Payment Due Date $2,729.93 THIS 581 E40 py May. 13, 2007 AMOUJLEAST Amount Enclosed Capital One Rank '4413335 P.O. Box 70894 Cbarlette, NC 28272-0694 791054064247% Pisses paint address or phone n *w changes below usW9 bko or black InL - AddM33 Havre Phone Altemate Phone E-mail address IM 090104072602696300 MAIL ID NMER 105 LSAMG R RD SHIPPEMS1ORG. PA 17257 EXHIBIT %417257% Please write your account number on your check or motley order made payable to Capital Ore Bank and mail with Uric coupon in the enclosed envelope. CV/ LG 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history-.it affects more areas of your life than just your ability to get a credit card. • Use a budget 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 Prev.= Balace Pwn nnf & Crcdds CHARGE 7Yosschaa New Bstw= Mm PayFm d D- Dale 5522 93 - 560.32 50.00 + 52,267.32 52,729.83 58100 May 73, 2007 Mar 15, 2007- Apr 13, 2007 Page 2 of 2 t1F/5E M A (FAST l1aS IHOIM Vua Phamum Acwuw 4962-3671-7043.7938 Year Accama lnfa ubm TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $270 17 CREDrr LINE FOR CASK $3,000-00 AVAILABLE CREDIT FOR CASH 5270.07 TraflpLbm (cophnIltd) 33 12 APR SHEPPENSBURG ANIMAL HOSP SHIPPENSBURG PA $10114 34 13 APR PAYMENT PROTECTION 14198-527.6904 526.76 7bmt yon lbr emo8oy m CapFW Ones Paynr? Homcam Pion Ya fee wdl be ca mans y baed m ytar CWW Om ere I and bued an yaa mon&c A wwtw balmce Igoe have aty quesnoms, phase con the at wt source mmFbw hsud m the tmnaemm acoom afyau satmTOm1 7910547 aafa foe 1 7 L3 070413 PAGE : of 2 01SCM4 500005 i what's in your wallet? It could happen to anyone. Make sure you pay the amount JANE ZULLINGER due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS IN do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES Vou're • • BETTER INTEREST RATES (good credit could mean lower interest rates) by I payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2006 Capital One Semk4 Im Cepdd One,, a fede..Rj rjtrtenrdrervtre mink Af! rgbt- merwd 500008-08543 FINANCE Ptertom Balance Payments & Credo CHARGE Tiauuoms New BaWKe Mutation Payment Dm Date 52,729 93 - 354.40 $000 5408 50 $3,082.03 $17,3'400 Jun. 13, 2007 Apr. 14, 2007- May. 14, 2007 Page 1 of 1 ' n5a5t or A7 wsr ass ?talur Arm Phmume Account 48623671-7843-7838 Your Accaet hefOrtOdtoa 'TOTAL CREDIT LINE $3,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH 5000 Finance Charges (Pleme am reverse for trip dfan app a Prae R t c C?AP P utchu $000 000000% 000% Cash $000 005477W 1999% ANNUAL PERCENTAGE RATE applied oho pend® At Yom Serncc14W0.903-3637 To aR Cmtomer Rded a to report a Rostw amlm card Your account u one payment behnd. Remember that making sour mmnmun pnmenta by the due dose keeps .rour account in good standing Further missed pormems mss be reported to the national endn buream So make sure you send in the mwmmo amount due b keep }nte account in good standing 1 20APR SOFT SURROUNDINGS 5884147638 MO $1000- 2 07 MAY BON-TON-CHAMBERSBURG 8000 CHAMBERSBURG PA S4440- 3 3 13 APR BON-ION-CHAMBERSBURG 8000 CHAMBERSBURG PA $4459 4 13 APR BON-TON-CHAMBERSBURG 8000 CHAMBFRSBURG PA $2750 5 13 APR A EAGLE OUTFIR00004200 CHAMBERSBURG PA $3545 6 13 APR BAIN & BODY WORKS 0579 CHAMBERSBURG PA $2120 7 15 APR DG 'DUTCH GARDENS 8668663780 VT 544.90 8 16 APR KOHLS 81156 CHAMBERSBURG PA 59664 9 07 MAY BON-TON-CHAMBFRSBURG 8000 CHAMBERSBURG PA 54200 10 14 MAY PAST DUE FEE S3500 11 14 MAY PAYMENT PROTECTION 1-888-527-6904 $2992 12 14 MAY OVERLD&T FEE MAY 14, 2007 $2900 ® Sod PaYr^? to. Year went aaseard a past due fee became your manm= payment win not received by the due date To grad CaptW One Bade fi P O Box 70884 fi Chedode, NC 28272.OBNS fee in the fiuhre, we recommend and you allow at law 7 bmneas days for your ammmtao payment to reach Capital One. A Send uugmna to Capml On fi P O Box 30285 fi Sale Like City, UT 84130-0285 6056 See 1 1 13 070534 PACE 1 of 1 02Ke054 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4862367178437838 13 3082030050000173002 ??? I vNed'sin yaw waBetY Account Numben1862-Wl-7843-7838 New Balance Minimum Payment Due Date Phone print address or phow ournber changes below wing bleu: or black leak. 53,082 03 55117S3.00gY Jun 13, 2007 A ress PLTHISEAMOUt TLEAST Home Phone AMernate Phone E-msR addres6 s? Amount Enclosed *SM507Z60269634! NRIL ID POWER ]AIE 26LLIMM 105 FOGELSAWER RD Capital One Bank SRl1sPE1?N1MG. PA 17257 P.O. Burr 70664 144164% %1725rA Charlotte, NC 292n-0864 791054f" Please write yaw account number on your d edt or money order made payable to Capital One Bank and read with this coupon in the enclosed envelope JANE ZLILLINGER - Financial Genius - 500102 Opening a Capital One® High Yield Money Market Account shows just how smart you are. 4.759E start saving srnarterl C api"Qw- Annual Percentage Visit us at www.capitalonedirect.com - ., Yield (APY)* Pleue use Offa Code D7ZYV2XSB /an'E'`r??nki •Plem see d Lxlowres on back FINANCE Prenoul Baance PaymaMS k Credits CHARGE Trmsarnoes New Balance M®mnn Pryment Dm Data 53,082 03 5773.00 50.00 + 528.79 - 52,937.82 588.00 JuL 14, 2007 21 May. 15, 2007- Jun. 19, 2007 Page 1 of 1 nrASr arauAn n6 Aeaova IMPORTANT INFORMATION ABOUTYOUR GRACE PERIOD If yw pry yourbabom m fdl every mooch by Vita Pldmtrn Accamt your dmdate, yon aiR coM m mmrat-free gcae period d23 days m new prdusa Psymgby ymv due 4862-3671-7943-7838 dab sbo helps yon avud lab fees. Piebe cee the bad: dyer amement far more dehai6 and think you for yourbumms Yo rAccouel kdamahoo TOTAL CREDIT LINE $3,00000 TOTAL AVAILABLE CREDIT 982 18 CREDIT LINE FOR CASH $3 000.00 AVAILABLE CREDIT FOR CASH }8218 Finance Charges Wlmu see revere far miponam?d7erN ap?phad to R P M' C AP -CH R Purdue. $000 000000% 0.00% 5000 Cash 8000 005477-M 1999% 5000 ANNUAL PERCENTAGE RATE appbed dur pa" 0 ® At YourSer ce I-800.903-3637 To call Cundmer Rely win a to report a lost a nolm card Paom.b Cre ft 8 Adios ooeab 1 25 MAY PAYMENT $173 00• T 2 19 RUN PAYMENT PROTECTION 14888-527.6904 $28.79 ® Sind peyotaas b Caput One Bade fi P O Banc 70584 9 Unclothe. NC 282720884 ® Send mquotes to Caput One It P O Bm 30285 fi Salt Lake City, UT 84130-0285 6036 sour 1 7 v 070610 PAGE 1 of 2 010N6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4862367178437838 19 2937820173000088001 Caipitltalf?7?I wheY3inyaurwaBnY Account NumboAM-3671 7843-7838 Now Balance Minimum Payment Due Date $2,93782 588.00 py Jul. 14, 2007 PLTEAMa'ULEAST Amount Enclosed „?„ Capital One Rank %619514 P.O. Bait 70364 Charlotte, RC 28272-0934 %=720884847% 7910547 Pkass Prkd addro" or pdhaats number changes below using blus or black ink. Address Home Phone Aflernate Phone E-ma addnsss Et! #9017]0726020639/ MAIL ID ROMER 3ANE ZKJM to 105 FOGELSANGER RD SNIPPENSt11RG. PA 17257 %1725rrA Please write your account number on your dledc or money order made payable to Capital One Banc and mail with this coupon in the enclosed envelope. Are you getting the MOSt 20=4 $238 for your MOney/. Er Annual Interest Eamings on a $5,000 Balance a ?e mx $93 es $15 S7 N s 4.75 % APY' 1.85% APY" 0.30% APY 0.14% APY MonCapital One High Veld Money Market Account Bank of America' Wachovia` High Performance " Market ACCOUnt National Average Money Market Savings Money Market competitor comparison information pulled from www.bankofamenca cam and wwwwachowa can as of 4R4A7 using New Yak money market account rates. Rates assume $5,000 account balance. The above non-eapnal One service marks are owned by calm respectmmae entity AN rights reserved Make the Smart Choice and earn more 1 4.757 APY' )o? Easy online transfers° ? Free checks and ATM card° f No fees, no minimum balance 1 FDIC insurance JANE ZULLINGEft, Because yodre a valued Capital One customer, we think you deserve better- than-avenge earnings on your savings. Pmt your hard-camel sa-W uft a CgnW One H%hYkeW MOM Markat Aek>omarr, and arpy a sopermr 4 75% Annul Paeeotege Yield (APY). Dint settle 5t w l&" bast With the Capital one No Hassle"' promise, getting mote for your money is quick and easy. You can oiansfer money to and from your costing bank accounts online. plus, you get free checks and an ATM card. There are no fees and no minimum balance requir m-Cs either And you can resr assured knowing that your money is in good hands- because, as with all our saving,; products, you 11 have the security of FDIC insurance. Make the smart choice. Take advantage of consistently great rates and get the most for your money by opening a Capicil One High Yield Money Market Accound Open a Capital One High Yield Money Market Account, and start earning more interest on your money. Visit us on the web at www capitalonedirect.com, or eau ton Ime 1-868-908-2981. Please use Offer Code D68PMXNSB * ** 0 Please see disclosures on back 4 75% A" Make the smart choice and open a Capital One High Yield Money Market Account. Your money will pay you back ... with (great) interest! ® Visit us on the web at www.capitalonedirect.com ® or call 1-868-308-2981 Monday-Friday 8 a.m.-8 p.m. • Saturday 8 a.m. 2 p.m. ET Pk--ft use offer code DeoPMXNSB l ow The smart Choke for Savings MEMBER FDIC One 791054 !<RErTBambing' r--'?- 6014 fee 1 7 29 070616 PAGE 2 Of 2 01011/1056 • JANE ZULLINGER - Financial Genius - 0 swill opening a Capital One® High Yield Money Market Account shows just how smart you are. 4.75% Start saving smarterl capiftlow, Annual Percentage Visit us at www.capitalonedirecLcom 1-ECT Banking- Yield (AM* Plese use Offer code D77rrCJDP •Pfease see disclosures on back FINANCE Previous Balance payments &Cra th CHARGE Trusacw- New Balser . mawman payment Due Date 52,937.82 - 58800 50.00 + 528.21 52,878.03 586.00 Aug. 13, 2007 Jun. 20, 2007- Jul. 19, 2007 Page 1 of 1 nusrwuwurusasaaws V ua Plalmum Accent 4862-3671-7843-7838 Your Account Information TOTALAVAII ABLE CREDIT $$102010.97 CREDIT LINE FOR AILABLE CREDIT FOR CASH 5$102197 AV Fetmce Ch.S. (Plan sa remora for mtpadnt mfama Bea bier periodic Carton R CHAR Pundase S2,91435 0.00000% 0.00% 50.00 Cash So 00 0.05477W 1999% 50.00 ANNUAL PERCENTAGE RATE applied tin period. 0 00% ® At Your Service I-800-903-3637 To call Customs Relations or to report a lost or slola card -- Pavmmk-Owns tA& -0 1 123UL PAY1101E917 S3300- Trwamsu 2 19301. PAYh1ENTPR01ECI70N I-888-527.6904 $28.21 fi P O Box 70884 fi Chslare. NC 28272-0884 ® "Z=.: e Send mquures to'. Capital 0- 11 P O Box 30285 ft Sall Lake City, UT 84130-0285 11054 Soo 1 07 29 07071+ PILE 1 of 2 02111116026 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ON LINE 0 4862367178437838 19 2878030088000086004 done I wlor41n7ewvr,Eat7 Account Nwnt?eP1862-3671-7843-7838 New Balance Minimum Payment Due Date 52,878-03 586.00 Aug. 13, 2007 PLEt PkA?YUANT.rLEAST Amount Enclosed Capital Oise Bank %4225% P.O. Box 7OU4 Charlotte, NC 211272-06114 791054f" Pkuna prhd address or phone number changes below uektl blue or black Ink. Addh= Home Fib" ARamate Phase E-mail address 11151 01110201072602696340 NAIL ID N@MER SANE 21LLD86ER 105 fOGELSANGER RD SHIPPDISf11RG, PA 17257-9704 %172579704053% Please write your aomunt number on your check or money order made payable to Capital One Banc and mail with this coupon in the enclosed envelope. 2=47 Are you getting the MO5 $238 for your money? . I E Annual Interest Earnings on a $5,000 Balance 9 g8 ?v mx • dx 593 0 S10 $7 4.75 % APY' 1.86 % APY" 0.20 % APY 014 % APY Capital One High Yield Money Market Account U.S. Bank' Wachovia' High Performance Money Market Account Nattonal Average money market Account Money market Competitor comparis information puled from www.usbank.corn and wwwwadwvia-cum as of 5(19/07 using New York money market account rates on Rates assume 55,000 account balance. The above non-Capital one service marks are owned by each respective emlty. Al tights re>;etved• Make the Smart Choice and earn more 1 4.76% APY+ Easy online transfers* y Free checks and ATM cardo > No fees, no minimum balance 1 FDIC insurance JANE ZULLINGER, Because you re a valued Capital One customer, we think you deserve better- than-average earnings on your savings. Pat your lord-earned savmss ow a capital One Negh Yuld Money Market Aamas, and mluy a supenor 4 75X, Annual Percentage Yield (APY). Dual settle for foYdwlg less With the Capital One No-Hassle promise, getting more for your money is quick and rasp. You can mnsfer money DD and from your o6sting bank accounts online. Plus, you get free checks and an ATM card. There arc no fees and no minimum balance requirements. And you can rest assured knowing that your money is in good hands- because, at with all our savings products, you ll have the security of FDIC insurance. Make the smart choice. Take advantage of consistently great races, and get the mast for your money by opening a Capital One High Yield Money Market Arcound Open a Capital One High Yield Money Market Account, and start earning more interest on your money. Visit us on the web at www.capitalonedirect.com, or call toll free 1-800-5649030. Please use Offer Code D7SK427DF + +' 0 Please see disclosures on back 200247 4 75% APY Make the smart choice, and open a Capital One High Yield Money Market Account. Your money will pay you back ... with (great) interest! ® Visit us on the web at www.capitalonedired.com or can 1-aoa-w4-9090 Monday4riday 8 a.m.-8 p.m. a Saturday 8 a.m. 2 p.m. ET I Please use Offer Code D7SK427DF C OW, _ The smart choice for savings MEMBER epwoo a fmt C 7910540b IREtT ? Vn Sass 504 1 07 19 070M Pare 2 of 2 JANE ZULLINGER • Financial Genius 0 SWI23 Opening a Capital One® High Yield Money Market Account shows just how smart you are. 4.76% Start saving smarter! Annual Percentage Visit us at wwwcapitalonedirectcom iRKTBanking Yield (AM* Pkasa-066, Code D8SFWRDDF *Please see darlowres on back. FINANCE Prevww Baboae Payiriatn a Credro CHARGE Trasecbms Nev, Balaihce Mmhmrhm Paymct Due Dale 32,878.03 - $86.00 $0 00 + $27.64 $2,819 67 $8400 Sep. 14, 2007 Jul 20, 2007 - Aug.20, 2007 Page 1 of 1 ALAW 1w a,,,a,tg,, veer Phonon Account 4862-3671-78434836 Y. Account hdoruaao TOTALAVAIILABLECREDIT x$680.33 3 AVAILABLE CREDIT FOR CASH x$680.300 Finatce ChouSes (Phew we reverse for uuporta t odo Balance Penodhc Coaet_ paadmgFINANC AP CH applied to raw it tole .0000(0% 000X 50.00 Purdhow, 52,84578 . Cash 5000 0 0547771` 19 99% $0.00 ANNUAL PERCENTAGE RATE applad the patad 0. ® At Yms Servicel-3M903-3637 To call Cistomer Rdafians or to report a lost or stolen card nrharta Credo: a Adiismhenu - S8600- 1 09 AUG PAYMENT Tnwsmmm 2 20 AUG PAYMENT PROTW77ON 1-688-5276904 $27 64 Con roacLo ma on Your craft law macaw) By sucrosfeBy eoroplefing your Capital One Credit Sum you've earned a oodd hue name, You im pie fix saw purchasing power to work for you right away We look fmward to Provides evert more products ad services to med yew needs m the future /cre& Steps a a service mark ofCap d Gss) ® Capit 5aid70.11b al One Bads fi P O Box 70884 fi Clarlo0q NC 28272-0564 e nmquerus U. Steal eptal Otto Om R P O Box 30285 fi Sak Lake Cy, UT B4130.0285 6050 506 2 07 10 070020 PAGE 2 f 2 01006050 PLEASE RETURN PORTION BELAYS WITH PAYMENT OR LOO ON TO W WMI.CAPITALONECOM TO MAKE YOUR PAYMENT ONLINE 0 4862367178437838 19 2819670086000084003 l.?C (v Was in SourwalleC7' Account NumbeW882-M1-7843-7838 New Balance Minimum Payment Due Date $2,819.87 $84.00 Sep 14, 2007 PI FARE PAYU?LEAST Amount Enclosed AMO Capital One Bank P.O. Burr 70664 Charlotte, MC 262n-0664 791054 Please print address or pl rnanber charges below using bhas or block Ink- Address Horne Phone ARerrlate Phone E-nW address AM #w2330n6026%37i MAIL 20 NIMBI IAME ZOLLIMGE1t LOSFOGE11MrrBl RD 1-'1P=kW5'G, PA 172 5 7-9704 %172579700053% Please wake your account number on your check or money on ermade payable to Capital One Bank and mail with this coupon In the enclosed envelope. Are you getting the MOSt zxxm $238 for your 1'Y oney Er Annual Interest Earnings on a $5,000 Balance a o? i? $93 $1 0 $7 4.75 % APY' 1.85% APY" 0 20% APY 0.14% APY Capital one* High Yield Money Market Account US. Bank' Wachoviaa High Performance Money Market count National Average Money Market Account Money Market competitor comparison mformatton pursed from W W W.usmnk.com and W WW.wachovia cam as of 6/25W using New of k money r?d account rates. entity. rights Rates azwme 15.000 account balance The above non-Capital one service marks are owned by each respective Make the Smart Choice and earn more 4.75% APY' y Easy online transferso jo. Free checks and ATM cardo 1 No fees, no minimum balance 1 FDIC insurance JANE ZULLINGEtt, Because you, a valued Capital one customs, we chink you deserve better-than-average earnings on your savings. Put your had-nrned saviW ado a Caul Ow High Y eld Money MwW AccooK and =Joy a superior 475%Anaol P 6 Yield (APY} Dent settle for a lent With the Capital One no-hasde promise. getting more for your money is quick and euy. You can umnsfer money to and from your cxisring bank accounts online. Plus, you get free checks and an ATM card. There arc no fees and no minimum balanccc requirements. And you can rest assured knowing that your money is in good hands - bcnuse, as with all our savings products, you'll have the security of FDIC insurance. Make the smart choice Take advantage of consistently great rates, and get the most for your money by opening a Capital One High Yield Moncy MarketAcmum! Open a Capital one High Yield Mummy Market Account, and start earning more interest on your money. Visit us on the web at www capkalonedirect.com, or call toll tree 1-866-2734408. Please use Offer Code DBZYQ5XDF -,--,0 please see disclosures on bade 4 75%A" Make the smart choice, and open a Capital One High Yield Money Market Account. Your money will pay you back ... with (great) interest! Visit us on the web at www.capitalonedirecLcom ® or call 1-866-273-4408 Monday4riday 8 a.m.--8 p.m. • Saturday 8 a.m.-2 p.m. ET Please use Offer Code D8ZY05XDF MEMBER FDIC The Smart Choke for Savings Capri are ands 7910 REICTBanldrw- ?---- Cap11a1 Om N.A. Wse sae 1 62 29 070626 PAM 2 eP 2 01Onf62e JANE ZULLINGER - Financial Genius - 0 SM132 Opening a Capital One® High Yield Money Market Account shows just how smart you are. 5.00% Start saving smarter! Capita o * Annual Percentage Visit us at www.capitalonedirect.com - bIRECT Banking` Yield (API)* Please Use 08a Cede D9ZQ85MDF *Please see disclosures on back FINANCE Meem?®Paymant Due Date Prcvsous Balance Paymab & CTedus CHARGE Tmsachae New. Balance $2,819 87 - $104 78 534.48 + $27.21 $2,778.80 !83.00 Od. 15, 2007 Aug. 21, 2007- Sep. 19, 2007 Page 1 of 1 nue ae a7 uwr IM ewaaT Visa PLhmemm Accmat 4862-3671-7843-7838 Your Aaosaa bdmnmtm TCITAL CREDIT LINE TOTAL AVAILABLE CREDIT $$723 40 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $723.40 ooposla?t?mFt rPurduses e Charges (Ilene ace Tease for Balsoce raft a: applied Penod rate APR - INCHARG Coml $2,81530 00408 W 14.90% 83448 $000 005477%P 1999% $000 UAL PERCENTAGE RAZE applied the peTmod. 14 ® At Your Savmce 1-800-903-3637 To call Customs Relawm or to reporta lost a su)kn cad P,oaaft craft & Ad 1 13 SEP AC MO ORE ARTS&CRAFf 82 MECHANICSBURG PA S4 76- 2 14 SEP PAYMENT TrIMINCOM 3 19 SEP PAYMENT PROTECTION 1-SU-527.6904 S27 21 ® S-d parmmn to Captal One Bank fi P O Box 70884 It Cherlode, NC 28272-0884 A Send mgmnes to Cap" One fi P O Box 30285 fi SA Lake City, UT 94130-0285 ® Have a question about a dwgc an your swaaad7 Please refer to the Billing Rights SumsnaY on the beck of your statenmeel or Gass s0G 1 07 11 070929 ?AGE 1 of a cionmsa PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4862367178437838 19 2776600100000083004 cwftwow I wham in your ualletY New Balanar Mlnlmum Payment Due Date 62,7781j() $8g3.?00 Od 15.2007 PLf A% Al OUNTLEAST Amount Enclosed Capital One Bank %42U/. P.O. Bx 70884 Otarlette, NC 28272-0884 791054'rA Account NumbodW2-3671-78417838 PNass past address or p i , number changes below using blue or black ink. Address Horns Phone Alternate Phone Eaned address I* #9026307260269634# NAIL ID MMElt JANE ZBlLIN6Elt 105 NIPPP, PWIVnf M4 %172579704053'A 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. JANE ZULLINGER 105 FOGELSANGER RD SHIPPENSBURG, PA 17257-9704 owe 12361 Use by November 22, 2007 68-727012560 09497 PoYtotlrearder0f V 0 t $ Dol(ors capitafQt'IB' Richm ,?4 VA Memo /12361/*256072701*7510002143992/ Cardholder Signature 200245 ?C U W T U W H Q U Qc a- "54 506 1 07 19 070919 PAW 2 of 5 050M6056 Easy. Convenient. N 0 You deserve hassle-free financial tools. So to make it as easy as TRANSACTION possible for you to access your account, we're pleased to offer you these no-transaction-fee Purchase Checks.* You can use them FEE wherever personal checks are accepted to: • Get cash for things you want and need • Use them where credit cards are not accepted Remember • Buy something special to use these Capital One• Purchase Checks come with the same rate you pay for purchases Purchase Checks by you make with your card. Just be sure the total of your checks. November 22, 2007, other transactions and fees doesn't exceed your credit line- r See back of letter for important information about using these checks JANE ZULLINGER 12362 105 FOGELSANGER RD Dare U-727012560 SHiPPENSBURG, PA 17257-9704 09497 Um by Noverrker 22.2007 U W T U Poyrorheordero/V O ' D $? in Q T Dolrors Oi?P' a Richmond VA Grdholder Memo 5grra102 /12362/*256072701*7510002143992/ 200245 1236'3 JANE ZULLWGER Da 68-727012560 Date 105 FOGELSANGER RD 09997 Y SHIPPENSBURG, PA 17257-9704 Use by No ber 22, 2007 U W z U A2Y to the ender a/ 0 1 D ? W $ Ln Q Z Dollars U Q, ZI 0' 4 Rklr d, VA Memo Cardhoid69 Signature 7910547 /12363/*256072701*75100021439921 Are you getting the MO5 200315 $250 for your money. C Annual Interest Earnings on a SS.000 Balance o =x MEM ..d 7937 =10 5.00 % APY* 1.85% APY" 0.20% APY 7% APY Capital One• High Veld Money Market Account U.S. Bank' Wachovie High Performance Menev Market Account National Average Money Market Account Money Market Rawest P=Il.r SS WO acconu ?batlanceuThe above non-Cap tal One service marks are owned by each respective ve aNew York nxwwy inarket wry. M ngbu reserved. account rates Make the Smart Choice and earn more 1 5.W16 APY' 1 Easy online transfers° >. Free checks and ATM card" 1 No fees, no minimum balance 1 FDIC insurance fANH Zt1LLR C&Jt. Because you re a valued Capital One• custorner, we think you deserve better-than-average earnings on your uvings. p,ryorr hardemrnd savmp mlo a Cap,d One Web Yrdd Morey Market AecovA wA eyay a wpmar S 00%AmOW Pemla6e Yield (APY). Don't Berle for =Wdw,g kssl With the Capital One no-hassle promise, getting more for your money is quick and easy. You can transfer money to and from your existing bank accounts online plus, you get free checks and an ATM card. There arc no fors and no minimum balance requirements. And you can rest assured knowing that your money is in good hands- because, as with all our savings products, youll have the security of FDIC insurance. Make the smart choice. Take advantage of consistently great rates, and get the mosE for your money by opening a Capital One High Yield Money Market Accound Open a Capital One High Yield Money Market Account, and start earning more interest on your money. Visit us on the web at www capitalonedirect.com, or call toll free 1466813.5842. Please use Offer Code DBBG015DF *,**,0 Please see disclosures on back. 20astS 5 00% APY Make the smart choice, and open a Capital One High Yleld Money Market Account. Your money will pay you back ... with (great) interest! Visit us on the web at www.capitalonedirect.com or call 1-866-813-5842 Monday-Friday 8 a.m.-8 p.m. * Saturday 8 a.m.-2 p.m ET Please use Offer Code DBBG015DF MEMBER FDIC cophWow The Smart Choice for Savings capes one Bank 791054 REiCTaanA*v- I -------- c801811 ona- NA WSf S0a 1 07 is 070512 /AM 3 at 3 010x0030 5110008 .ajj2'°'()i,je what's in your wallet? It could happen to anyone. Make sure you pay the amount JANE ZULLINGER due on your statement as soon as possible. Keeping your credit in good standing can WNIDOPS! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're behind SETTER INTEREST RATES (good credit could mean lower interest rates) a IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2006 Cap;mf Ono S--, /ar Cap Al Ono u a fidenlly mX*irewd manor nark. AU rigbts rr ,Z $0008-08503 FINANCE Previous Bdahce Payments & Credits CHARGfi Transactions New Balance Mnohvam Paynnnt Due Data $2,776.60 - $0 00 + $33.12 + $63.16 = $2,872.88 $169 00 Nov 13, 2007 Sep. 20, 2007- Oct. 19, 2007 Page 1 of 1 RM M At LM ore mamp T Account Your account is one paymrnt behind Remember that malvrg ), ar rraennun pnments by the due done keeps Vim 4862-367] Plan- 784Akwonl your acco rnt in good sawing Further rinsed pnmeras may be reported to do, national credit banana So note sure you send in the innovation amount due to Jeep your accoart in good standing Your Account TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $627.12 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $627.12 Finance Charges (Please see reverse For unportem hofa Balance raw Panodrc Con ANC appbed a rate MR CHAR Purchases S12,7911 36 0,03945V 14.40% 53312 Cash 5000 0053407 1949% S00 ANNUAL PERCENTAGE RATE applied this pehod. l4 ® At Your Sernce 1-800-903-3637 To call Customer Relations or to report a lost or stolm cad Payment Craft d Adiustinerts IS OCr PAST DUE FEE S3500 19 OCT PAYMENT PROTECTION 1.888-527-6904 528.16 You were assessed a past due fee because yar meomnm payment was not received by the due dale To avoid the Fm in the fidure, we recmmmmd that you allow on Sew 7 busuhess days For your ca amaa payment to reach Capital One. fi P O Box 70884 6 ChebdS NC 28272-0884 ® ==..: e Send inquiries t0, Capita One 6 P O Box 30285 fi Salt Lake City. UT 94130-0285 ® Have a quesbm about a darge on your sWemam7 Please refer to the Billing Rights S-my on the back of your stumkmt a vtx cniajakoc td_siailni 6016 506 1 07 19 071019 PACE 1 of 1 oismss PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WW W.CAP[TALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4862367178437838 19 2872880100000169002 who'sinyein, W rr New Balance Minimum Payment Due Date $2,872.88 $1169.00 Nov 13, 2007 PLJAJEA A NTLEAST Amount Enclosed Capital One Sank %433rA P.O. box 70664 Charlotte, NC 28272-0884 791050' Account Numbep$8623671-7843-7838 Plesea print address or phone number changes below teekeg bkes or btaek ktk. Address Home Phone ARemate Phone E-mall address Q $90293072602696311 NAIL ID NOISIER ]ANE 2uLLINM 105 FOGELSANGBR RD SUPPDRSSOR6, PA 17257-9704 %17257970405335 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. Miles Interest-only Money Market Accounts "sows: B6 RQwte mm. Please see hack for important dkdoswes. so0,6n Get the high-interest savings account that earns you rewards too! Likeanygoodsavingaccoun4heCapio0niPRewardMmMMtarkeis a safeplaceforyourmoneyto grow.Thecompethivet.66%AnnuaPercentagUiel4APY)Will addto yourbalancovelymonth and you 0eaml NoHassWil6SI%revery520ofyourdveragdlalanedorthemonth.There solimitonhow many miles you can earn, and these miles wilt never expire for the life of your account. it only takes $1 to get started. Deposit $500 in the first month and receive 2,500 ti:?pFIFa1)?? bonus mks` fRECI tiartfong FINANCE Prenms Babr= Payments a Credos CHARGE Tawwbores New adW M,mrtnrn Pay..w Due Dale 52,872.88 - 1169.00 537 76 + x525.54 53,287.18 x98 Dec. _14,2007 Oct. 20, 2007- Nov. 19, 2007 Page 1 of 1 puss nu w 0,sw a6 rerove Pwm mta Creel ts & Adtu m ," V ea Platinum Account 1 26 OCT PAYMENT $9300- 4962-3671-7U3-7939 2 12NOV PAYMENT $9600- Your Ar wd htfamanan TOTAL CREDIT LINE $3,500.00 Tm, ,,c,m, TOTAL AVAILABLE CREDIT $23282 3 26 OCT BARMYRE KENNELS SHB?FNSBURG PA $4140 CREDIT LINE FOR CASH $3,00000 4 30 OCT MATTHEWS HALLMARK 920 CHAMBERSBURG PA $96.51 AVAILABLE CREDIT FOR CASH 523282 5 30 OCT BATH & BODY WORKS 0579 CHAMBERSBURG PA S31 80 6 31 OCT GULF 91425529 SH1PPENSBUPG PA S3100 7 31 OCT INSIDE OUT WHERE BEAUT CHAMBERSBURG PA S5500 Charges Wkase sea revere fa ..qM a,do 8 02 NOV LIMITED-TOO 80083 CAMP HELL PA $76.43 Balarm rase PormNo CorrewaalarFINANC A R CHAR C 9 06 NOV DICK'S SPORTING GOODS HAGERSTOWN MD 55149 applied to rase 10 08 NOV MUSICAL KWZ 707-923-1361 CA S10799 f3,0{791 0,03945-W 1440% $3776 Purchm" 11 79NOV PAYMENT PROTECTION 1.888-5276904 53202 2 Cash $0 00 0.053401@ 1949% SO DO ANNUAL PERCENTAGE RATE appled the penod. 14 4 ® At Your Serra 1-800-903-3637 To call Cmto n r Relanms or to report a bst or stolen card. ® Swd payment to. Cap,td Ore Bade fi P O Boa 70984 fi Charlene, NC 28272-0844 A Send a q=a to Caput One fi P O Box 30285 fi Salt lake Cry, UT $4130-0285 Have a question about a dwV m your stmemmG Please refcto the BiOag RWO Sumrury m the bade of yore stn&enxm or 6056 $06 1 07 16 07111.9 PAGE I oF 3 OIAn0s6 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPffA .ONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4862367178437838 19 3267180086000098002 Cmam1)1? ( vA an I. ymr v.W7* New Balance Minimum Payment Due Date $3,267.16 1 F5p9g8.?x0ppy q(AMOUNTL. Dec14, 2007 P THIS EAST Amount Enclosed Capital One Bank P.O. Box 70664 Charlotte, MC 28272-0864 791050' Account Numbeld862-11671-7843-7838 Please print address or photo lnartber changes below using blue or black Ink. Address Home Phone Alternate Phone E-mail address r890324072602696W MIL ID NOPMER JANE ZBLLIIIGER 'LOS FOGELSANGER RD SNIPPENS60RG, PA 17257-9704 %172579704053% 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. 200245 JANE ZULLINGER Date 12331 105 FOGELSANGER RD Use by January 23.2008 68.7270/3560 SHIPPENSBURG, PA 17257-9704 09505 Y U W y ? U rayrotheorderOJ W Dollars ? -- U Rkhmorrd, VA cardholder Memo Signature /12331/*256072701*7510002143992/ 6056 $06 1 07 19 0711111 PAGE 2 0 3 ou"6056 Easy. Convenient. N Q You deserve hassle-free financial tools. So to make, it as easy as TRANSACTION possible for you to access your account, we're pleased to offer * You can use them s Checks f P c i FEE . ur ha e. on- ee you these no-transact wherever personal checks are accepted to: • Get cash for things you want and need • Use them where credit cards are not accepted Remember • Buy something special to use these Capital One• Purchase Checks come with the same rate you pay for purchases Purchase Checks by you make with your card. Just be sure the total of your checks, January23, 2008. other transactions and fees doesn't exceed your credit line. • See back of letter for important infomwtion about using these decks JANE ZULLINGER 12332 68-737012560 105 FOGFISANGER RD Date 09505 Y SHIPPENSBURG, PA 17257-9704 Use by January 23, 2008 U W V O ' D Poyfotheorderef 7 Q 2 is C Zi a Qwftwow Rkhmond,'VA /12332/*256072701*7510002143992/ Cardholder Sip auve 200245 7910547 12333 JANE ZULLINGER Date 687270/2560 105 FOGELSANGER RD 09505 Y SHIPPENSBURG, PA 17257-9704 Use by laooary23, 2008 U W U lbrbtheoNeralv o $ Q Z Dotlars ? cawag ' a Rkhmorrd, VA Cudholder Memo slprmrre /12333/*256072701*7510002143992/ 2003TI Get the high-interest savings " MUM account that earns you Miles rewards too ! Mir n?ket Aeootr(a c_apitWow . ? ce. BanxQudmo n CT Banking •» please see bad( for Imponam information introducing the Capital One Rewards Money Market Account. Dear JANE ZULILINGER, Make your money do more. Like any good savings account, the Caloftbrrerds Money Market Account is a safe place for your money to grow, secured by FDIC insurance The competitive 4.66% Annual Percentage Yield (Apyr will add to your balance every month Earn miles by saving moneX Ws not complicated. Just take a h'rgh4riterest savings amount-and add our popular No Hassle Rewards" program. Grow savings, earn miles, get stuff. That's she Rewards Macy Market Account Earn No Hassle Wes for being financially responsible. Every month, you9 earn 1 male for every $20 of your average balance Grnclfding 6Knesta. Redeem your miles for cash, travel and more. Your min never eq im for the 8e of your acmuK there's no I"vnit on how many you earn and there are no bladmnrt dates. Arid it takes just $1 to open your account Money and miles. That's a smart return on your savings. Look over the enclosed mformatnon for details. When you're ready to do more with your main you can go online, or call us directly at 1-888-385-6341 Sincerer // ? "/G/0.? Matthew I Jordan General Manage , Direct Banking P5. it rates just $1 to open your arrow. Deposit 5500 in the first month and get 2,500 bonus macs.' Call or log an tod4 Call today 14388-385.6341 Weekdays 8 mm.-8 p.m.; Saturday 8 am.-2 p.m. ET Go online www.capitalonedirect.com e t Be sure to mention Offer Code DazpmQmpi 7910547 mSi Soo 1 07 10 arms M¢ S err 3 ?.ii?rra>.°m /RECT opJl7bng" The Smart Choice for Savings MEMBER FDIC cophdonwam* c"" one, to 200371 e2flow sa Mies armed alm6md as burrs: 2.500 macs fm a new moM ff k wsa atmma, phe Sea was per month lum ink 10 eade f2o areage bala(ae for Me "MR" x 12 mxllhs = 40aa Mies, nobirg 8,500 mien ford?r.e.ya?a?s.?u,?. (atpslb atfpe?t Iltro p1? tnnm YA Utffkon aid vnwv?edoiaonmdlDl>?udrBNwl6knveyrtal6a?rtrdaz Ries BOQn? #beittrad aacw •,•i Please see balk for knioartant i ADmation. consolidation renovation education relaxation tion MANY uses. ONE fixed rate. "Please see Important ProWd Information on reverse for more information CAP"Alo I personal loans" FINANCE One Date Prcvwun Saloom Payuuaetu6 R Credats CHARGE Tbutsacuom New Balance Maamun Prynrst $3,26718 - $3,000.00 $20.65 + $1,235.47 - $1,523.30 $4500 Jan 14, 2008 Nov. 20, 2007- Dec. 19, 2007 Page 1 of 1 nuv u ui6r nor „b, , rfe ft a sA.,.ew...rls Account I 29 NOY ELECTRONIC PAYMENT 53.000 00- 7838 4962-3671-73434938 ' = maam TTSO SSCOM IT LINE 63.500.00 976 70 z ASBURG PA nNOV MH]LAIIS 87720 CHAMBI AMBFRSBURG PA 96 548 20 . 1, ILABLE CREDIT 5 3 27 NOV INSIDE OUT WHE RE BEAUT CH y 70 CREDO FOR CASH 11,006 4 29NOV 1T7NIMsAR ATLANTIC CITY NJ TIC CRY NI 53557 $1399 . s 29 NOV RAINFOREST-ATLANTIC RE ATLAN 6 B4 DEC WAL..MART #3358 SHIPPENSBURG PA $338.13 7 04 DEC THE BUTCHER SHOPPE CHAM13ERSBUILG PA S90.39 se see n"u for info 8 05 DEC DEBRA W S1MS MD C Aat rct E PA 54000 te PenoMo f;prr IBPD4AN APR CHARG 9 06 DEC GARDEN RIDGE - 013 PINEVILLE NC S33 14 0 rase ;3M 10 OB DEC REIGNING CATS dt DOGS WAXHAW NC 5143 51 0039435iP 1940% 3 000 It 09DEc STEIN MART#283 CHARLOTTE NC $32.16 $ 0 I9 49% 5000 00 0. 12 09 DEC STEW MART #283 CHARLOTTE NC S37 53 TE app E RATE applied a6r Period. 14. 13 10 DEC DICKS SPORT114G GOODS HAGERSTOWN MO S%49 14 10 DEC UNDER ARMOUR HAGERSTOWN HAGERSTOWN MD S14379 At Your Sannot 1-00-903-3637 15 10 DEC POLO/RALPH LAUREN FACTORY HAGERSTOWN MD $106.55 ® To ms Cm-uxm Rdawns or to report a lost or stolau card 16 10 DEC ECONOPARK EXPRESS HANOV ER MD S37 25 17 19 DEC PAYMENT PROTECTION 1-888-527-6904 $1493 ® Send - Captor! Or .Z fi P O Box 70884 6 Chadoor NC 28272-0884 A Souf Caput One to. Send i One s fi P O Box 30285 6 Soh Lake Crty.11T 84130-0285 ® Have aquranau about a rkarfe an your statemeetl Please refer to the Bill" RaBbat Summary as the bark of yaw stabone t or 6036 s06 1 O7 29 071221 NZE 1 sr 3 0111016054 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W WW-CAPRALONE-COM TO MAKE YOUR PAYMENT ONLINE 0 4862367178437838 19 1523303000000045001 ceTlp oune I wWs in your vwBeY New Balance Minimum Payment Due Date C$1,52330 $45.00 Jan. 14, 2008 pl FA EA ANTrLEAST Amount Enclosed capital one Bank Y4014% P.O. Box 702" Charlotte, NC 2x272-0584 791054fTA A PERSONAL LOAN from Capital Ones GUARANTEED FIXED rate and payment for fife >? NO application fee ® Appy0olineal www.capitalone.corin/ NO obligation personalloans NO collateral required A Capital One Personal Loan-- one simple fixed monthly payment NO prepayment penalties Account Numbe#1862•.3671 7843-7838 Plena pfd adMu6 or pflone rauldw chanDea below eakq bkw or black link. Address Hare Ptlone Altemale Phone E-rnalf address I% t903S407260269631* MAIL ID NUMBER 105 FOGELSANGER RD SRIPPENSISIM, PA 17257-9704 1' 72579704053% 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 emfelope. 200246 JANE ZULLINGER Date 12565 105 FOGELSANGER RD Use by Febmmy 19.2008 69.7270/2560 SHMPENSBURG, PA 17257-9704 40148 he U W U Pay to the order of W to oculars = v Ot O a RkAnwcd, VA Memo 1:3,1 Ido, 5'iBnaWrc /12565/•256072701.7510002143992/ "So 104 1 07 is 071219 PAGE 2 0 1 0101R0S4 Easy. Convenient. No Transaction Fee. You deserve hassle free fieancW tools. So to make it as easy as possible for yon w access your account, we're pleased w outer you these no-transaction-fee purchase Qwdcs.' You can use them wherever personal dleda are ac epted w. Rrepw get cash ...for your home Cmdral consolidate bills Don't wart! Your Capital One' Purchase Checks sat GoiN tackle home protects should be used by February 49, 2008. Even better, these checks have the same rate you enjoy for purchases made with your card. So use thern today. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. ' See back of letter for important information about using these checks: JANE ZULLINGER 12566 68-727012560 105 FOGELSANGE R RD Dote 40148 ][ SHMMISBURG, PA 17257-9704 Use by February 19, 2008 U W v y O ' D rr Poyro the 0rderM J? DODOrs 4 ow RkJrmon4 VA MMO Cardholder SiVoWre /12566/'256072701'7510002143992/ 200246 12567 JANE ZULLJNGER Date / 8 103 FOGELSANGER RD 40014 Y SHERPENSBURG, PA 17257-9704 Use by Febmery 19, 2008 Z u x Ddkrs ? Md"nonA VA Caddholder Memo 51(tnaWre 7910547 /12567/•256072701.7510002143992/ I personal financing should fit With a capital one Personal Loan YOU choose the loan terms that work best for you. However you choose to use your loan, Capital One has a your budget ...not the loan plan that fits your financial big picture. other way around Explore your loan options at www capitalone.com/personalloans. Cop" CW I personal loans- A Capital One Personal Loan. the money you need with the terms you want JANEZULLINGER As a valued Capital One customer, you deserve a ]ending solution designed just for you. Whatever you want to do-reduce debt, finance home improvements, or cover school tuition-a Capital One Personal Loan can help you get there with the best possible loan terms to fit your needs. It's easy- • Choose one of our flexible, affordable loan plans • Have the peace of mind of our FIXED RATE & PAYMENT GUARANTEE-no tact shifts or payment increases Ever. • No collateral, no prepayment fees, no application fees=no hassles start to finish It takes just minutes to apply. Visit wwwccapitalormceralpersonalloam. CAbHassle features: 0 FIXED APR & Payment 0 NO Application Fee 0 NO Collateral Required 40 NO Prepayment Fee Get a loan with a rate and payment guaranteed not to change. It's easy to apply: ® visit capitalone.com/personalloans 791 "so so0 1 07 22 0722" PPE s s1 3 I personal loans- Capital One Auto Buying-era N 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 a exclusive partner dealerships near you. Less time at the dealership, a quick buying ? Huge inventory of new and used vehicles process, and a great low price all add up to our _ ice- No Hassle promise when you buy your next car. FINANCE New BaMee Mormon Payment Due Date Pr? Balance Payvoesb A Credits CHARGE Ttgo$acb? $1,523.30 - 545.00 $18.84 + $115.99 51,813 13 548.x00 Feb. 13, 2008 Dec. 20, 2007- Jan. 19, 2008 Page 1 of 1 nusterartlDinssArAwrt Vw Platuoss Account 4867-3671-7843-7838 Your Account WN10113011 TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $1,888.87 CREDIT LINE FOR CASH $3 000.00 AVAILABLE CREDIT FOR CASH 1,886.87 Lwcd,ma . Chagas (Plane see reverse for "o Bekna rate Pertadro CHAN applied b rm R CHARG 51,39572 0.0380M 1390% $1884 5000 0.05203!? 1899% .. pwyntaft craft & 545 00- 1 15 JAN PAYMENT 2 20 DEC BARMYRE KENNELS SHIPPENSBURG PA t43 3 22 DEC GIANT FOOD 8061 SHRPFNSBURG PA S2119 4 14 IAN PAST DUE FEE S3500 5 19 JAN PAYMENTPROTECTION 1488.5276904 57581 ANNUAL PERCENTAGE RATE aPPhad thn Paved. 13 out reaavad by die doe data To avad You were arsaaed a pass doe fa beware Your mam pM- was ilia fee at the ndum the recommend "you d iew a Taut 7 butmas days fa Yaw os anana parmas to reds ® At Your Saunas 1-E00.903-3631 To dCustomer Rdetsassor to report a bst a stolar card. Capital 0- 0 ?uIP O r?Bark 6 P O Box 70884 fi Chabnq NC 28272-0884 ® =061 mP O Boa 30285 fi Salt Lake Cdy, U7 84130.0285 ® Have a quesbon abaci a dia8e an YOM sulema0 Plow in, to the Bdia" Riffs Suomery on the bark or your sWamerta Olows0 a0S6 506 1 07 13 000119 FACE 1 of 2 PLEASE RflTURN PORTION BELOW YVfTIi PAYMENT OR LOG ON TO W W W.OAPITALONECOM TO MAKE YOUR PAYMENT ONLINE 0 4862367178437838 19 1613130045000048003 New Balance Minimum Payment Due Data 51,613.13 548.00 Feb. 13, 2008 PLE EPA tAT LEAST INT Amount Enclosed Capital One Bank %4044'% P.O. am 70=4 Charlotte, TIC 28272-0884 791054gnµTA Account NumbeP1882301-7843-7838 Pima" print address or phone ntrmMr changes belwn wing blow of bleak it& Addrew Fyty Pho17e Alternate Phone E-rr>alt address /900200726026963111f NAIL ID NUMBER JAlE ZULLINGER 105 FOGELSANGER RD SRIPPENSIM. PA 17257-9704 %172579704033% Pk3ase write your account number on your check or money order made payable to Capital One Bank and mall with this Coupon in the enclosed envelope. 200246 JANE ZULLINGER Doh 12579 105 FOGELSANGFR RD SHIPPENSBURG, PA 17257-9704 Use by March 21, 2008 69-7270/2560 40150 Y U W x VOID Q Play to the order of W to Donors = v ?idB ZI a Richmond. VA Cardhold er Memo Sttnature /12574/*256072701*7510002143992/ 6056 Sod 1 07 19 090119 PAGE 2 *f 2 OIM6066 Easy. Convenient. No Transaction Fee. You deserve hassle-free financial tools. So to make it as easy as possible for you to access your account, were pleased to offer you these no-transactiondee Purchase Checl&* You can use them wherever personal chedm are accepted to: Pile". get cash ...for your home control 1 owlidale bills Don't wait! Your Capital One Purchase Checks Get Going tackle home projects should be used by March 21, 2008. Even better, these checks have the same rate you enjoy for purchases made with your card. So use therm today. Just be sure the total of your checks, other transactions and fees doesn't elrceed your credit line. * See back of letter for important Information about using these checks. JANE ZULLINGER 12575 105 FOGELSANGER RD ode 68-727012560 SHEPPENSBURG, PA 17257-9704 40150 14 Use by Much 21, 20M U W 2 v RryM the orderoj VOID ?? h Q 2 Down U OC ?P1ta10r?' a Rkhmomt VA Memo Sdtnat ue 112575/*256072701*7510002143992/ 200246 12576 JANE ZULUNM Dore 687270/2560 105 FOGS BANGER RD 40150 SIBPPENSBURG, PA 17257-9704 Use by Marcb 21, 2008 (,1 W 2 V Pby..e O,rJerO/ V o I a 1/1 so W z cc Z3 One. a Rkhmond, VA MMO cardholder SltrWure 7910547 /12576/*256072701*7510002143992/ Capital One Auto Buying'Is 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 F9 f No negotiating needed exclusive partner dealerships near you. i k b ? Huge inventory of new uy ng Less time at the dealership, a quic and used vehicles process, and a great low price all add up to our !`ftH5sfe- No Hassle promise when you buy your next car. Previous Balance Payments b Credits 51,813.13 - 548.00 FINANCE CHARGE Transactions Now Balance Not'Paymnd Due Date + 519 58 + 5109.38 = 51,694.09 550.00 Mar. 15, 2008 2008 - Feb. 19, 2008 Page 1 of 1 Jan. 20 3 , RM IN AT OAST Tea AMW Account pPa ments ClediballdhatmeMN 3.7131 1 13 FS PAYMENT nt ttltonnatiort = DIT LINE S3,5D0 00 2 141 JAN DOLR7Rff 2716 00027488 SHpPB1SBIIRG PA 570.30 CREDIT AVAILABLE 51.805 91 3 26 JAN THE VICTORIAN CORNER SHIPPENSf M PA $1823 E FOR E FOR CASH ASH 13,000 00 805 91 : 51 4 09 FEB FYE EASIVEW MALL 800 VICTOR NY $6425 CREDIT FOR C A . , 5 19 FEB PAYMENT PROTECTION 1688-5771900 $18.60 Rains C"n (pam we ovens for kmpdtad nkma8m) Baia"rda pawk Cmsrgerrdsq FINANCE vow to rats APR CHARGE Pachasee 51,658.31 0.a;M%P 1390% $19.58 Cash $000 0.052M%P 1899% $0.00 ANNUAL PERCENTAGE RATE applW tlde peskxk 13.90% ® At Your SwW= 1400.803.3637 T. cod Qaaaa Ralrloes a b opal • lod a dden cad ® sod P"Ieni a lo- Capdd On Sok 1 P O Box 70N41 Chalons, NC 202r2-0M4 Bard himium" W. Caged Oral PO B. 30M a Sell Lda Get, UT 841764205 ® Namea*notion about adwponyour sha0arant7 PMss rda to Fe SOn1 Moos Suemay on ft back d yow dde0lelA V vklR PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW CNPRALONECOM TO MAKE YOUR PAYMENT ONUNE. 0 4862367178437838 19 1694090048000050003 wl r,I.Y_.Wwr Account Number: 4862-3671-7843-7838 New Balance Minimum Payment Due Date 51,694.09 550.00 ter 15.2008 PLEASE MYAT (FAST THIS AMOUNT Amount Enclosed capital One Bank 4075- P.O. Box 708414 Charlotte. NC 26272-0864 Please pmt addrw a phone number diange bebw uwq blue a bled ink. H_ PAs Ahrr r M.- F-rN.dA_ Gh #9005107260269633# PAIL ID NUMBER JANE ZOLLINLER 105 PO6ELSAILER RO SHIPPENS81116. PA 17257-1704 •172379704053• 791054?" Pkese white your account number on your died or money onfr node payahk to Capital One Bank and =it wish this olupon in the endosed envelope. 200246 JANE ZULUNGER 105 FOGELSANGER RD SHIPPENSBURG PA 17257970405 Dote 12585 Use by April 20, 2008 68-7270/2$60 40152 4 l W Z U Foy to the order of VOID $ W IA Dolmrs z U a done' 4 fthmond, VA Cardholder Signature n 25M 75e0T2 M0 51=214wa2/ Easy. Convenient. No Transaction Fee. You deserve hassle free firanciol tools. So to make it as easy as possible for you to access your account were pleased to offer you these no-transarbmrfee Purchase Checks.* You can use them wherever personal checks are accepted to: for your home get cash Don't wait! Control consolidate bills Your Capitad One Purchase Chocks Bet Geling tackle home projects should be used by April 20, 2008 Even better, these checks have the same rate you enjoy for purchases made with your card. So use them today. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. " See back of letter for important information about using these checks JANE ZULLINGER 105 FOGELSANGER RD SHIPPENSBURG PA 17257970405 Pay to the ceder of VOID 12586 Date 68.727o/2560 Se rll 20, 40152 U W Z U $ Dollars a Bichmon4 VA Memo MOW -2earno175MM43eav JANE ZULLa4GER 105 FOGELSANGER RD SHIPPENSBURG PA 1725797D405 Fay to the order of VOID Q Cardholder signatere 200246 12587 Date 69-727012560 Use by April 20, 2008 40152 V W Z U $? Q Z Dollars it cw Fbirhmard. VA Memo 7910547 722680.2Mr27 'M000 CWW 4 Cardholder srg wwe Capital One Auto Buying"'. 119 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 IP9 No negotiating needed exclusive partner dealerships near you. i ? Huge inventory of new ng Less time at the dealership, a quick buy and used vehicles process, and a great low price all add up to our _Ift- No Hassle promise when you buy your next car. FINANCE Preirkes Balance Payments & Croft CHARGE Transactions New Balance Minimum Payment Due Ode 51,813.13 - 548 00 + 519.58 + 5109.38 = 51,694 09 550.00 Mar. 15, 2008 ,d. Jan. 20, 2008 - Feb. 19, 2008 Page 1 of 1 nua ne u i7s Visa Pletknm Accournt 4182.3971.7843-IM Yaw Account [.formation TOTAL CREDIT LINE $3,5001x1 TOTAL AVA LABLE CREDIT St,ao5 91 CREDIT LINE FOR CASH $3,E 00 AVAMBLE CREDIT FOR CASH 1,80591 Finance Chagos (Poole on wmw for unpanae adormalan) Bwancerde Palo Ae Conapmklrla FINANCE wow to race APR CHARGE Puchane $1,85611 OO3BOS7i P 1390% $1958 Cash SD.OD 0.05201%P ism% $0.00 A11nUll Pf7tCENTAGE RATE appaad tlda period. 73.90% Parmnlts Credits 5 Adjustments 1 73 F® PAYMENT'' r dwm 2 18 JNN DOI RrREE 2746 00027466 SHPPBISMM PA $7030 3 28 JAN THE VICTORIAN OdRNERSHPPENSBURGPA $1823 4 09 FEB FYE EASTVIEW MALL 800 VICTOR NY $6425 5 19 FEB PAYMENT PROTECTION IM&527-M $16.60 ® AtYow Sekvke 1-80111403-3437 Teal Cudb Rak4Nmab report abda dAw oed ® Sand payments in, CapRd 0. Bain I P O Bm 708811 Cbeblb, NC 282124884 Sas to CapBal Ind Ones P P 0 O Bmc 30295 f Sap Lain lJy, Ur 8/1200285 ® HewagowI mbmtacbal9aeeyoardWOm V Pbase now b on One Wk Sunnay on do back of you loalanant or vid MWANdmignansmisuba PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW CAPITALONECOM TO MAID YOUR PAYMENr ONLINE 0 4862367178437838 19 1694090048000050003 cwbwow I vows nloawa d?, Account Number: 4862-3671-7843-7838 New Balance Minimum Payment Due Date 51,894.09 550.00 Mar 15, 2008 Amount Enclosed Capital One Bank ,4075• P•0• Boa 70884 Charlotte, NC 28272-0814 7910547-06-7' Neale print acids o a phan nunim dmVn blow uohg blw a black Ink- How PAaar Alte^'ou Ph- E- Jeddr A #90OS10726026963M MAIL ID NUMBER JARE 2ULLI%1EI 105 PO GELSARLEIt RD SHIPPERSBURL, PA 17237-'1704 •172579704053• Please write your account number an your died or money ceder made payable to Capital One Bank and mail win ttis Coupon in the endosed envelope. m1 19 1. X.Y eaM-- a Onw F. hyI.Alet Y -A Imye.• dtwm. 0«apm4d d ri dgs.tlw. hwa. dww7r wewpmtl+w.. m.. b.t.s w.e4n, roa•peeyye.dmraad raearw drawr pubs 4 bW' tj Yr p Y Wb eM. wWh p rk%M&vbdbYV d.-Ynat d.ddV T abtr sr.. Mme OroP-p .Nbdd--hNww e.d eP.dMbudma b rMM4 emae Yro P•ae P•? w rr ewwden r T.. M M Pey N bYl7le.r hd.p' h. •am1M p.embe Ch«ra Tnwxhetm Bides nd w!)eatb • rmw yawl s se.M uww date i) ham N der dN he.?ormt«?ham N darn w..d4a Y prseeed r ymr rem.e «7) haw N 4+a W Mr Oq eHw mnm? llnh Mr1d?Y• rywm nd pPgq'N'Nwgei.erha« N p.ww bMgp-% ilee?abYOm seYmebwwb yev upY beberAN w.b1 heYroe4peid Y kt mbnrn.rr)w nr!•.wtiwe. dmsea ..w r f w ?r N wr.7r. e.b.e heba w» b1tddl -td. -Oft WWW Oars ediNY N.ppbbfe.eps W ym. rom-nd 70eYr He?Aeewmt Ywreed «.aowewnmebe urdb 4 D.Y mnrdwwMn/?Iwm.lpn?MO.r 1n? 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Ow JANE ZULL04GER 105FOGELSA14GER RD SHIPPENSBURG PA 17257970405 to the order of VOID Date Use by April 20, 2008 200246 Yz11.1 68-727012560 40151 U W $D x " W in Dollars = One Richmond. VA Memo 11256srZ50ar2701' 6100=42992/ tl Cardholder Signature Easy. Convenient. No Transaction Fee. You deserve hassle-free financial toots. 5o to make it as easy as possible for you to aacess your account, were pleased to offer you these notransadion-fee Purchase Checks.* You an use them wherever personal dleda are accepted to: Prepare get s ...for your home 't wait! Control consolidate bills Don Your Capital One Purchase Cheeks Get Going tackle home projects should be used by April 20, 2008 Even better, these checks have the same rate you enjoy for purchases made with your card. So use them today. Just be sure the total of your checks, other transactions and fees doesn't exceed your credd line " See back of letter for important information about using these checks. JANE ZULLINGER 105 FOGELSANG'ER RD SHMPENSBURG PA 17257970405 Pay to the order of VOID 12586 Date 68-7270/2560 Line by April , 2008 40152 he v W V $ to I;r x Dollars w C--*~O G Richmond, VA n25IWZ5e0790YMI00D MM= JANE ZUWNGER 105FOGELSANGER RD SHPPENSBURG PA 17257970405 to dre order of VOID cj~) B' Richmond VA Memo 7910547 n 26a7? ?aem2tm-rs940mt ssan cardholder Signature CL 200246 12587 Dote 68-7270/256o Use by April 20, 2008 40151 V W Z v x v Donors cic Z3 Q- GrdlaWer Si?natwe ° ao • M= 0 ma o? D N ? M m T_ > 1 7 2 C) 9 D O D ?, !" Z Z O m O y ? C ° O O a -? Z x w y m a rn r n I Ism purchase Checks: (z) Wig be treated as purchases according to the terms and amendments of your Customer Agreement (z) May not quality for reward programs. (3) Are subjed to your creditawihMty an the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) Will be. et. ed unpaid and you may be assessed a Returned Check Fee Ifthe credit is unavailable oryour account is not current as stated (6) Conaotbe used as a payment on any Capita( one account (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) QuaW as usingyour account (9) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, NA., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in fug force and effect. Z 2007 C*W One Sff c tW CaPW Ore is a /edvm#f m7 t"d terse murk M t0jts reserved. ° ° M o mo i M oa m T A y D? m 2; m > 1 v O a o ?a O = _ ? O q r O , L = Z w m ca m? p I I*Z ? m 0 90 o o $ myl m T m m O - D roc m z; C Z 1 > Oy o ?± ° Q az ?a Z 5 O D Z, ~ S w 9 N? m mZ ° * m O 7910547° capangm- 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget 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 PnrAme Balance Payments b Credits CHARGE Transactions New Balance m mwn Payment Due Date $1,694.09 - $50.00 + $18.99 + 5107 35 = 51,770 43 $53.00 Apr. 14, 2008 .h Feb 20, 2008 -Mar 19, 2008 Pape 1 of 1 e wu nv x IVA no Mane Visa Platinum Account 41622.3671-7M3.7aS8 Your Account IllkmTkatiOn TOTAL CREDIT LINE 53,500 00 TOTAL AVAILABLE CREDIT $1,72957 CREDIT LINE FOR CASH 53,000 00 AVAILABLE CREDIT FOR CASH $1,72957 manse Charges (PMewn see tram fora pww ?damaear) Ewxmrab Pekdnc Comaepondkq FINANCE appledb ralo APR CHARGE Puchaeae $1,71939 043508%P 13.90% $lam Cash $0.00 005203%P 18.99% $040 ANNUAL PERCF)ITAGE RATE applW Mnie perbd 13.90% Pnmmk Cmdb 6 Adlufta B 1 15 MAR PAYMENT $5000 T 2 12 MAR MARSNALLS 9D764 HAGERSTOWN MD $90 OD 3 19MAR PAYMENT PROTECTION 141WS2749D4 $1735 mww yef7e n ew ma" br a hewn eqn* ban or yodn Yeerwnrd in IalnNnra g Cepil/ Ono VA lyda I+arrne lour eaRdelt b A yaawnedt. YW offer Peei sea, ro hidden fwne, and you d redsiwn tle+anomoie asw im of ew mne pe mw imn =MAMA Ran Cal In down YMa urarcWhIawmal-br mva ?`' intortna9on 6 At Your Servke 1-0"033637 Tod Cud.-PAW- a b, W. W tvd*n aN ® Send payments b: QPU Okra 84USAiM A P O Bm 70664 R ChrWb. NC 282724881 A Sall bgWMs to, CpiW O.A P 0 Bea 302&56 Salt Lau qty, UT M130e2a5 Hawn a gualon abWA adwss00 your JaArenenI pmm rater b lie B bV R'nphk Summarym t e tack of you ata.wd or vid PLEASE RETURN PORTION BELOW WMI PAYMENT OR LOG ON TO W W W.CAPRALOME.COM TO MAIM YOUR PAYMENT ONLINE 0 4862367178437838 19 1770430050000053000 Cwm-k)w I wtwrs in pun weeelT' AokcuM Number 4862-3671-7843-7838 New Balance Minimum Payment Due Date $1,770.43 $53.00 Apr. 14, 2008 PLEASE PAYAT LEAST THIS AMOUNT Amount Enclosed Capital One Bk (USAI,MA '4105- Ch ". ea 70884 arlo, MC 26272-0684 791054T-T' pease prawn aWn- a phone numtw charges !chow cuing b1w a bWdk ink. H-PI.- AArseer Ph- Earhraiaa A /900807260269632# NAIL ID NUMBER JANE 29LLINGER 105 rOGELSANGER Re SHIPPEMSBURG, PA 17257-1704 •172579704053' Please write your acmunt numbs on you dledk or money ceder nude pa*k to Capital One BMUSA),NA and mail With to coupon in the enclosed envelope. m 19 1. Mw PAr.M. Fr.+w Cbarda . OPS. P•da/Ym rY yr.aii?arn a.e•grodd %. W brbi 73YprM+Alb.ir•dary.earwp.? ? t bM .+• b.Y1w VrrbA.w •prdr p.e N rr1RP.N•rne. •P drq . d+N..r r p.rT+a r. br ppa...bror?• b .sadpr bV^ib 3Mad y p w br..W rrkft tr w e.dbw by r++d+bniil r. 7l.P Y ro a.e. P•M aneM.M.rw. .. n. •Ap .40. a•+P•M .id i.W r.rbr..bddN. ' b. oft p N.. •.l •fwel.n rT..d•.Mpq Irww brl b. Ao..rg FMiw CbrNa buwclwr Mrd?w rot P-A .WJW r•aar•pnW w..w+d..W eb.rNr 1) Inan r. Mralb b+rAr. ar llbw Md.Yb PEI bpi Y.WafPYM ?dbYw Mmrdel]I YanN .dgr.IMaw.nl bNbgp•dM. AddMeP11• M' P. t,dd Mlu'Nw+B.Yie•..nMNYwA?/b i .0 by] Y gr I.a uip.y br.w.Nldr uplO h.Yns YpNY Aa Tli. n.r.dirT•?wr -r+ar? yn a Nr Npu0.7M.1Y. Nr A. 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Pebrr.aNll Nr grMJAMSprry errMr• • .dwlwPrlerN. p.p.lF. srndww Mpsd+w•r eevwd nNndYP d awu. a beaNen r v. W w.I FM+ ...n.. r rrn a1 wwp.r.?+ r" oo..ar•wbro.r.+.ro2wano?d.?.P 0... not •PpN bbwi.P namwd'1 a.d.emuM. C.prl Oro wppada II'Ibp..Yn. Pb.., A^'" W w .brr .1 NNM.=ObiWJdm. b' Caper oror•rd.•Ir=,dwrio.e.rtde.Pt?- p_ µ..rrC.p..bn. Ndplbrwrrad.1E106 C.pW r.pr•Y dYp baywlpr•rp•aa.wddpu.om+l Nlw PrN.Nw M1.w r.w.nre. Fbwwr p.ew r•belldrg rrl'101'? ?Iabtd:Nrlvd.P?p.r6r MwewM Mw r . W."-.bb.+dMY,d...W.A.r)a W"P-wrw rrr .wba ..dl•a+W1 rr ?bNdp.p.r M., e•W .dww bP.M.7 a t A . r•Pt.dd.d b N. puelr r.p•elrpwb.w..P.•r bare+b d.grrrr..vP ~ r rN+l •Ppr?mrw.eewtd M MB r.•I.. rp.rb rsPM..w.d MN.p.. k-d TbY j.1rr,gd...n b adlbg a1 r• tlMP MrrW"dapmo- n Migepb T. b wr ?aardrp.npwlbebwlr.am... wwAYdrrw •pprbg wp.amw.aA.pabb. •n. b/ oWa - WW Mrs drN.. a.MpIT nP..bdlha aemrdb b•eb•M TC4b brF•Y.NMb. Nlw+?p+rrrrrwwrPrwrrr O wm-a F+w+ut?p~?1(1) r1. YI7?pap E?TRsa dfw.Mr1.dYMP??_•?dq"!'p++diMW?l+,rd.6b, rwrrrwwY gdrb.grlMw.dW?ra`id~rpg•4p.M•'A d.pwWdrr agbF.Mg•wbft&Adw PlwrMw+Nr.Ir. rlr. 7910547 200472 JANE ZU'LLINGER 105 FOGELSANGER RD 12594 SHIPMSBURG, PA 17257-9704 Date Use by May 21, 2008 69-7270/2560 40154 be U W Z U Fay to the orders/ VOID $ W in Dollars v Z3 4 Richmond, vA Cardholder Memo Signature /12594 /"256072701.75100021439921 Easy. Convenient. No Transaction Fee. You deserve hassle-free financial tools. So to make it as easy as possible for you to access your account, we're pleased to offer you these no-transaction-fee Purchase CheckL* You can use them wherever personal checks are accepted to. tyre got cam Don't wait! Your Capital Onel• Purchase Checks Ce" consolidate hills should be used by Get Going lackle home projects May 21, tom. So use them today. Even better, these checks have the same rate you enjoy for purchases made with your card Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. • See back of letter for important mformaton about using these checks JANE ZULLINGER 105 FOGELSANGER RD SHMPENSBURG, PA 17257-9704 Puy to the order of VOID Date Use by May 21,. 2008 Use byMay 21, 2000 ZZ kc hrnond, VA Cardholder Memo SiBhhaNre /12595 /*256072701*7510002143"21 JANEZULLINGER 105 FOG47SANM RD SHIPPENSBURG, PA 17257-9704 the order of VOID Rkhnrarhd, VA Memo 7910547 12595 68.7270(2560 40154 U W x U ILU $[? Q x Dollars 200472 12596 68-7270/2560 40154 ?IC U W x U W Q x Dollars rAc C. Cardholder StBnature /12596 / *256072701*7"W21439921 D my T y 9 < D ° w T A S D m C T m m Z }? v 9 n s o ? w o a z -mi m o ? m co o : E z? c= y w mr o n n •z m Pumhwe Checks; (4) Will be treated as purchases according to the terms and amendments of your Customer Agreement (z) May not quality for reward programs. (3) Are subject to your credit availability on the day capital One presses your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher delauk rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable oryour account is not current as stated. (6) Cannot be used as a payment on any Capitol One account (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Quality as using your account. (9) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may riot process your request include:. your account is delinquent, charged-off, bankrupt, lost/stolen or closed. our fraud system prevents the offer fulfillment; your account is overlimit; or a term ofyour account relevant to the offer, such as credit line. APR, or special transfer rate, has changed since we mailed the offer. O 2008 CIPW O? &"m M Im CapdW om n a kdr?aRl MmWed vswcr mad: M rgMs ?,,,d v M0 ?i m = O fmll y D m ° H m O? D P T m 2 i > O y r/ 9 o ? n O = p 2 N 0 m ? A r C O i F O O 2 S D ? m r ? m o 00 m= O J m H 9 y m w m D m O D O y ? s 9 O a T O O < i O a a m Z m A r F • m A 7910547 ° Ec___FF7 Lock into a FIXED rate and guaranteed FIXED monthly payments. EXAMPLE": Based on a Home Equity Loan with a FIXED APR If you borrow $50,211 If you borrow $65,395 If you borrow $80,271 Your FIXED monthly Your FIXED monthly Your FIXED monthly payment will be $447 payment will be $577 payment will be $705 + = appmwl, ye r Lo® dams rasvvry bad ao I. V Wk.0. ft-*.w.rhy pgmrc are eased o. a fined abor paacn.Re., currant, SNHC uw kr fw,211 taw dada", 87ASC APR far 165.195Ime orators sad 8b7 ZR for 580,2it lasnaaaw- fie Rail atoaddf pav?aib are (a tamaq van aad aquac ssarrba. a? btsbn' and W% cosblmd kaoto-sahc nub. ]Sldmip ass a Inure empty ksa at locresse the lad asses paid riten conpmrf b Tau tames "" Home Loans The Capital One Home Equity Loan: Lock in a FIXED Rate that Works to Your Best Interest JANE ZULLJNGER, You already know Capital Ones as a great credit card company. But did you know we also offer home equity loans? Apply for your Capital One home equity loan, and upon approval, use it for just about anything ... make home improvements, consolidate debt or have money on hand for unexpected expenses! It's your equity, and it's your choice of how you use it. Get a great FIXED rate on a loan customized to best fit your needs-from $20,000 to $500,000 And it's easy. Your Personal Home Loan Consultant will explain everything and help you through every step In most cases, you can dose your loan in 10 days or less Call us toll free today at 1-800-760-2493 foryom no-obligation consultation. YOUR HOME EQUITY LOAN SUMMARY Example Loan: FDCED Rate Starting At, 565,395 m8 74%APR a L Loan Amounts: Closing Time. Closing Cost: $20,000-$500,000 10 days or less $0 opfions avoilab e l Example FIXED Monthly Payment: $577 Personal Home Loan Consultant: YES Advertised annual percentage rate is effecWe & of 01/2Lbti and subject to cAper dry ham. APRs based on n-odLat credit history. 565,3951om amount, SG%combned lor'1Pvalw rffio and a 20-year fixed-nte second-hen mce19W MonNy paYmcm fa 00 aunryk n 5577 Adddmatal terms and restrxwns apply Capital One a an Equal Housing Lender See reverse for adddKxW important inform t-on M59 Apply Today For Your No-Hassle Home Equity Loan 2 EASY WAYS TO RESPOND Call toll free 1-800-760-2A93 visit eapitalonehomeloans.eom Mon.-Fn. 8 a.m. to 8 p.m. and Sat 10 a.am to 1 It m. EST I Reservation Number. 5038 011 003 3218 7910547 Home Equity Loans Mortgages Refinancing Debt Consolidation LENCIER Wby not just use my bank for a home loan? t capital one takes the hassles out of the lending process. It's quick and easy, and its persomdixed. You'll have one-on-one attention Gram the same raw" Home Lam Consultors start to finish. A direct line and email to your Loan Consultant helps you monitor the progress of your loan and address any questions you may have along the way. Q: What property types are elipide for a Capital One Home Lan? A. We offer home loans fur single- and Muhl-family homes, townhouses and condos. At this time, we do not offer home loans for cooper, manufactured and modular homes, mobile homes and commercial properties. Q WhattypesoffimticingdoesfapimlOneHome10meDiu?? A: capital one Home loans offers avariety of no-hassle home loan products, including first mortgages, refinance and debt consolidation loans, as well as home equity loans and liras of credit our team of anpaimiced professtosals understands your situation is unique, so your loan solution should be too. Q: what if 1 am self-employed or hate missed a payment? A. Whether you have perfect credit, less-than-peeled credit or have hard-to-prove income, we will work closely with you to try to find a home loan solution that best mess your needs. Q: fan 1 go a loan with a fisted monthly payment? A: Yes. Capital one Home Loans offers loan options that provide a gmuameed crud monthly payment and me that will not change for die life of the loan. Q: Does Capital One Home Loans require a 01101- lam mtoant? A. Yes, the minimum loan amount is $20,000. Q: what information do I need to hate ready when I tall? A: Please have the inflowing information available: • Your Reservation Number • ne estimated value of your home • The balance of your first mortgage • The balance of any secondary mortgage loans • The amount of the loan and credit cud bahnces you would litre to wesolklate For your no-obligation consultation, simply call us toll free 1-800-7W2493 Our Personal Home l ran Consultants are available Mon-Fri 8 am--8 p-m. and Sat 10 a mA p.m. EST. Or visit www capittalonehomeloans.com Reservation Number: 5038 oil 003 3219 Here's how simple it is ... 06e Apply Get started by calling us toll free, Of visiting us onbne. © ? Get a quick decision You'll know if you've been approved in minutes. 0 ? Next-day ddWery Aq your paperwork is prepared and delivered to your door via nest-day au or by email. We've made it simple by highlighting the areas for Your signature. 0v, Close in 10 days or less! Have your Bieck sent to you or direct deposited cap Home Loans do-- ao EO-douiga- a •w6•• iequna -- Ira moan, of today dam cawbd . firs Apr ra moplead apphdadoa! and " i4G $50.000 oval a - na awaahk wad a0 paadntax Smplc -""q ary u of f 01=1"0 1!25109 $30,000 20•li Ibed+rs bane eTrr lam &19 31% MR Moody P•YmINl fOr d1tl mm* s 5736. Adirsuenal iana and im"om apply. dale bra. Rue loofa nary bypaadua .6-d and are o6oia•fiT?>Qecwidavrt*m5 aid aPP1OY•I uma mw nary bond upon the» io whadh the Onia ._. [a qudnfad aPPhc nn ooty vod all bw paoduas or lama am a.ahble m aY ?ia.'Ih aaual da+a5 m, withwt namoe. a,moatr b ton,ai Iww subj,a ro «dat app,wal.Thw Boa na tepweu m •8er m maa bo almn agemmt. Race and alma nablR d? OZOOB r4•d OarSsnaeQ lyre r-alaa?Ouru•fia6.Hj+a?e'°?w+na,nrk.lH,yse aoecnt 791 Q: Is Here m obilgatfon when I call? Q: How can I use my home equity many k Uw it however you choose. Pay down !tier interest rare credit A: No. When you roll us, you are under er onal Home L boan oon eves card and km balances, make haute improvements or start a Consultant During your will amphoneplly y help you t Ptlhe Ho ban amount and new business. Keep in mind that no matler how you use it, you you determine maybe able In dedud the Interest at tax time. Jest check with terms that best suit your needs. Then it's entirely up to youl your tat advise 50020+ Home Mortgages ' Loan amounts from $20,000 to $500,000 Lock in a low FIXED APR ' Lower your monthly payments by $140' R from 6.28%* • No hassles, no hidden fees Call toll free 1-800-760-2607 or visit www.capitalonehomeloans.com? Reservation Number: 5048 071 016 1774 Phone hours. Mon-Fn 8 a m -8 m and Sat 10 a-m -1 m. EST Adcervned annual pacon+ge rem Ls c wft as of 0(252008 and s*ea to d=nc L nor bore APR Is hood m a good ot4k hooM $100.0W lost "Man. 805 ecnhbwd Iwn4o- Aue rmo and a 3u5car riud-rate 6rnaiu nax+gage. M.Whly paputrd kR albs -upk m Ll :35. kWfliowl Mao wW PCAdttiom apply. ' lurrer average monddy PaymeMdaim Daatd a fir4 nonht pmrroo oe notpurhaie loan4 aduamenf dosMig mVS, dwt dux" Eraaren 07101 VLW7 and 11l312m'? Adnl loner pa)mro may .mac In versos-L rcDomong to pry of CKL*ft deb my mtad dte teas of the dcK posdbby rmkmg a higher oaa8 eom. C.V" one is as FA" H-Mg rank, see rcrerae kr addiewd ImpoNa ndoama)ion. sxaeaans Na?eto.. Home Equity Loans I Mortgages I Refinancing I Debt Consolidation LENDER FINANCE Previous Balance Payments 3 Crad'ii a CHARGE 51,770.43 - $1,823.43 + 314 34 Mar. 20, 2008 -Apr 19, 2008 Page 1 of 1 Transuftra Neer BaIaKS midmum PaymRM Due Date ?. $825 84 = 3587.18 517 00 May. 14, 2008 Rug Av Ar uim nss Aa01arr Account •7a3i Your t Information DIT LINE $3,500 00 LABLE CREDIT $2,91282 FOR CASH $3,000 00 =1A1. in CREDT FOR CASH 52,912 82 FInanCe Cher9m (%aee nee reverse br erVodae bdamati n) Bdwm ro% PerW3e Cam"orift FINANCE applied to rate APR CHARGE Rschasse $1,41902 003260%P 1190% $1434 Cash $000 0.01856%P 1899% $0.00 ANNUAL PERCENTAGE RATE apptled sale pert? 1190% ® At Your Ssrsics 14009013637 T. CA CudmwRekbU or bmpod a lob a elwn owd ® Serd paynrnle b. CapW Ono BhWAOA I P O 8- 700841 Chwldk NC 282/2-0084 A Send Ingrirws to. Cod 0n4 P 0. B. 37!05 8 Sall LA. Cal/. UT 04170@05 ® Have a qur8on droula chaps on your stahrwrdT Please da to 1* Bite Rldrts Summary at tlm bade of Your dAwwl or vies PIIV111MItN Credos & Adkt ®rmh t 04 APR PAYMENT $53.00- 2 14 APR PAYMENT $1,770.43- Tn InSWU flit 3 04 APR GIANT FOODe061 SHPPENSBIIRG PA $10.63 4 04 APR GIANT FOOD MI SHPPEMSBLRG PA $5423 5 09 APR WALAURT 115%8 SHPPEHSMM PA $36.17 6 09 APR SHIP SHAPE HAIR DESIGN SHPPENSBURG PA $15318 7 10 APR GIANT FOOD 11061 SHIPPENSSURG PA $205.57 8 WAPR DUALIT/ASSET RECOVERY LL 85"25-1010 NJ $iZ731 9 19 APR PAYMENT PROTECTION 1.888.527741861 $575 As you asluxt wdredsd6rmlW your Room" b done. Pleam Role ltd your aoourR Warm must amain d f0 for Iwo oorrseor6rs ma#dy dalenwdc before I le dos" Please owimreb mie necessary paynienk on your account and sup any aula do payments or pre a/cntd dupes you may has sdtip Nym mdm Try dmW an yow Cspu One adl card betasyour ammount down (rtdudn6 aubmabc a pe4ulmmed dwgec), yaw aomNA W re nam open ad well remove On requed to dose your account VIImWar you're in Ion market for a hone "idy ban of you're adem" In roomm rs CapRal One will fed a hone loan sobbon to M your nods We ofhr Wad rA w. no Mdden IRK and you rAl mare the elm•CrEdrte dterr8at d to sane personal loan aastNad torn car to dose. VWN www.captilawhmebwomm tr mare mirMabon PLEASE RETURN PORTION BELOW WO)N PAYMENT OR LOG ON TO W W W CAPTTALONECOM TO MAKE YOUR PAYMENT ONLINE. +ranw 0 4862367178437838 19 0587181770430017007 wharriayou wwaeu Account Number: 4862-3671-7843-7838 New Balance Minimum Payment Due Date C5587.18 317 00 May. 14, 2008 PIFASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA .4735' P.O. Ben 70664 Charlotte, NC 26272-0664 79105472- Plena prbt oddma or Oh numbs dirges below uen9 blue a blade ink Hon I%- Aen- PAsr £-.rf oAdaa Q #9011107260269635# HAIL ID NUMBER JANE IULLINLER 10S POLELSANLER R) SHIPPENSBURL, PA 17257-1794 •172579704053• Please wrde your mmurn number on your dad( or money order made payable to Capital One BMIISA).NA and mad with strive coupon in the entdosed owelope. 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 $140 per month? Farr locks ,nary by prUd- ]-d and - o6-ble aver und-ri-g and app-A of the ban. Oflrr inrrnd d for quZfied appliona only Va all ban products or teems arc available in all soaa The arnnl cWng notes may.uy baud upon rhr:rare in which the oropeny !os.rcc.1. L.- su61ccr to -i.r app-l. The, duo na tcp-.t an oR to - into a I- W--t. Rata and terms sr.l>)rct to dt.W -hmn nonce O 2MAY Gpdal On Sawn !ne Gprrd One u a fr<dmr!!j .rturrrrl xrvnr a.rE AI! ngha rarrsrd Home Equity Loans Mortgages Refinancing I Debt Consolidation 902 19 t.XCww?.Arltlr ?Fbb.Ah-.mirn 0-Pdodd ' bI ZS d.p Nlad/n.te Nni9.Nn.wp atW? r.? b.l.rs 11.r1Y.rl..r.F.abl WNW. b rm6ts r11t h bpab.t Made.l.r Pfn•a' b.M. 7.:. .rrblla.Wlbba.dbdMparoatrd.b.utt ed.kodab ih.. rtries F.d°dNrNr.Mrrtr.. , nMa..baldibn.lrr.broi.u P•?bd • b. v.:: :: N.r rNA.n er•• d. nN F.r Ir bM • bbrir b. llNUtttR iba.rtN CMM Trar.dats Wlrh r• M rtd.N b.par prbd.n.......d llrtr drrq it b.a tlr a.r Nth. brr.voaaapb.n 9r a.b b baNCll.r b P? b pa Aaanta b) ban tt. ' 9rr e.4drdgMb..rntb#iR IrNd Mwl.r1/. Rp.d roYF.r 11r •IbrBis•? a n n t .r pau?b.IrslRYb lair bNrrN i.pYd b N. TIY Wrod.lp•a9rr9r Rrote Nwy... e. NRr . Il.rwrbsf rrwniflr/•l * Mb . NOW ? d p ? eb .rW -,A u.n•b Rtrr 1 t. Q! .e i a d.. p. sr.dd.d b dr.ppe.br rpn.i NY.v ft? a UWA.-Fb- Ch.Ra Fa aMrhigPab *t a7 z dy aro a r dblr a br by"d nf.d b ab y ir.raea.Ndtl.ab.e. s. d1N r.a.t Nln.tr. ,? ar• art •vM•r r as w? t r--.k L/URL C Ilror.9 ia.y,.. .. _ ItN P•••tr datU.fr Yabdr r.b. N9r.t4r ;YX:EIITNIE RAYEf r ad.ewr b.rod b Tlr 9dtRSlu.l ,ertn..b.u dbrb.N b You mMI.IMNpt. ..?'.rd? Yaarord-i t-inidb.r..dn WtpNbbq b.r.Nla. rra.a6ar.r. belt N/.prL 7•tt.tNwdro N wban pa Nndt b.W r. N.•tlm r bo put bakamentab prr.r e! turirotlbtt YYlrn+a w t NWrt•hr eanq ar ot...b.ru*r.i.etr..p.ttd.tr.. .MsaM F•rpa X.r terrmaN+nb.)pbrbRr D.Nrrt•PPdbfClWrrrrones.dtwdaoe.uts Yes ran tprtb rb.. I R R Os....r.ppyb NNr.a. wra.Nl oN.raanb .r. rre.rr . . ? R ?Yp.Yd.n .r a. adr Fr..tNrrN bona t NN Y•v nRinN b N.... NMC'.tteNYt..tdbotmd CpW rob.M.Y/a¢N..drma aaM N Gpbl Qr e..rtl. rr.btNadytu_lr?_ W-W F .tKy C.p.abn Ndpbbrr.wd.13WR C.lidOro TC48 I oloM.as.-s-uanna? Ir dRM.r.Mw r..aa.t. r d.ap.. br ry bd-9" ?ro .pest mwtx Bann bwf gWsNdw. .N Ntlr K¢ Frnra tlml•br B RYrGMN Y. a 1r..pNNb pr.mwd by pa aaaroL p.p.rbrt6 Y. Npv.aa.4 and -iiUI rdd nbl nq drR. Nq "nl.nl Y..rlrl Rdbt PgarrY?rlbraiMr.dM1./.•srtaNb.biNMrrnbkr? ar9nwad'a?r lNb.r•b•rrrwrra?.dpraaarr.s..+rr.NN.Itwr Wr+ ?. MtirN?Y N.arrr>r M7M ETltlrw/Il Nr..Iroab.dMtAl.bro.d9/rF.ra?+1 hlnr. P~la.ub rNM+.14a4a. aY.NnPtMh'd'MrA.t.t dtn NLl.b)ftsstblrtsrr.NbRMldlrr. 7910547 JANE ZULLINGER 105 FOGELSANGER RD SHIPPENSBURG, PA 17257-9704 the order of VOID Use by Jim 20, 2008 Richmond, VA o4re Cardhoder Signature /12605 /*256072701*7510002143992/ Easy. Convenient. No Transaction Fee. You deser n hassle-free financial tools. So to make it as easy as possible for you to access your account, we're pleased to offer you these no-transaction-fee Purchase Checks.* You an use them whenever personal checks are accepted to Prepare get cash Don't wait! Your Capital One• Purchase Checks Control consolidate bills should be used by Get Going tackle home projects June 20, 2009. So use them today. Even better, these checks have the same rate you enjoy for purchases made with your card. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. ` See back of letter for important information about using these checks JANE ZULL LAGER 105 FOGELSANGFR RD SHEPPENSBURG, PA 17257-9704 pay to the order of CW"M Richmond, VA Use by June 20, 2009 200472 12605 68-7270/260 Y v W 2 W Ootlars = C 4 12606 68.727012560 - 40156 Y Q W z r U Lai $ Q 2 tMaars a CL Cardholder signature /12606 /*256072701*7510002143992/ 200472 [2607 JANE MONGER 105 FOGELSANGER RD SHEPPENSBURG, PA 17257-9704 Fbyto the VOID VOID Date Use byJ" 20, 2009 66-7270125" - 40156 Y U W x v DW Q t>odars v o: -- a -Wr Rkhmon4 VA Cardholder 91ee o Slgnsl?re 7910547 /12607 /*256072701*7510002143992/ O 0 n O P O 0 s 0 0 D O W = M O, 9 G =. m O y O -° xa T j as Z 0 n s 2 O N ? -1 00 SO 2 ti C = N N mr m PlttCh85e Checks: (1) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (z) May not quality for reward programs. (3) Are subjectto your aeditarailiirility on the day Capital One processes your duck. Please be sure the total of your checks, transactions and fees does not exceed your available credit fine. (q) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (5) WIN be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable oryour account Is not current as stated. (6) Cannot be used as a payment on any Capitol One account (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as usingyour account. (g) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, NA., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terns and conditions for your account remain in full force and effect. Under certain circumstances, we may decline to process your request for this offer. If so, we will notifyyow Examples of reasons we may not process your request include: your account is delinquent, dwrged-off, bankrupt, lost/stolen or closed: our fraud system prevents the offer fulfillment; your account is overfimit; or a term of your account relevant to the offer, such as credit line. APR. or special transfer rate, has changed since we mailed the offer. C 2008 Capdar One S!? me Capital one z a lnd,.* regnkered ,en mart. AN.Odl res - 0 T x m 9 D O O P O 9 D 9 0 O 0 m a 9 m m O 's 0 0 a P 9 Z O ?a 0 x0 0 0 my m? O y Om xm T ? 2 ! D V Z O O 9 r P Z O N = -t O r ?o ?y M mr ?z m ro =0, nt s 9 m Y s 9 O a 0 a m Q 2 Y P 0 79105470 ' Home Loans 618% APR* 20047b (we printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a F-aed-Rate Mortgage, and most of your options vvill have a similar rate But here are some of the ways that Capital One" Home Loans takes out the hassle • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2607 Or visit wvvw.capitalonehomeloans.com Mon.-Fn 8am-4m. Sat 10-1 PM EST Reservation Number 5048 081 004 2765 • Ad-d annual pe_mV . is dke f- a, 402125r2008 ad wbi= w du x any rime APR's bavd on good c.k W-y.. $203200Isan -, 00% r N-d 6ai.m-relic nua M a 30-v- 6md-nn:6 -irn mm?g? 1"m P-1- (m die mmpk s S1,256 Ad&-,W -and nmrms apPIP- Dear JANE ZULLINGER, We're impressed with the responsibility you've shown in managing your finances with your current Capital One" account. so much so that you've been specially selected to apply for this offer to refinance your mortgage with us, and lock into a FIXED rate while rates are still low. YOUR REFINANCING EXAMPLE: First Mortgage: FIXED Rate: FIXED Monthly Payment: $203,280} I 6.28° APR* $1,256' WHY REFINANCE NOW? if you already have a fixed mortgage, refinancing to a lower fixed rate can reduce your monthly mortgage payment Or if you currently have an ARM (adjustable rate mortgage) or are making interest-only paymerits, upon approval, refinancing to a fixed APR gives you the security of a rate you can count on to stay the same. • Low FIXED APR starting at 6.28%* • Consolidate high-interest debt • Lower your payments by an average of $140 a month** 791 Don't take any chances with your interest rate. Call us toll free at 1-800-760-2607, and we'll work to help you refinance to a low FIXED rate. We also offer home equity solutions, such as home equity lines of credit and fixed- rate loans. Your Personal Home Loan Consultant will try to find the best solution to meet your needs. Sincerely, _k W. J VA. Call toll free 1-800-760-2607 Pat W. Johnston Mon-Fri 8 a.m.-8 p.m.; sat 10 a.m.-1 p.m. EST Director, Capital One Home Loans Or visit www.capitalonehomeloans.com Reservation Number. 5048 081 004 2765 P.S. Call today for your no-obligation consultation. Dis-ARM Your Mortgage 200475 Lock into a low FIXED rate and guaranteed FIXED monthly payments. EXAMPLEt: Based on a FAXED APR If you borrow $61,270 If you borrow $107,295 If you borrow $203,280 Your f1XED nxwd dy Nbur FDGD monthly mortgage Yourort9ageNODrrpayymenment y win be $397 mortgage payrrtextt van be $673 mortgage pr"x1entwillbe$1,256 * OPw epissrd, yosrbr amarlamyegbod as.osr apailk sMWim Ennde ssdhly p¢Istnasm bsdrafdd aasml paoaaype nae,an,auugfi73%APhlor$61,2701sr amens, fi$%Mist $107,2$ Ira asst[ ad &= AIR im $M.2W Iwo xxww n072" b rope team, nd?g b pg of emm deb mar mind the tae of ds deb4 psaAlr eeo.. b hy$te wdil too rd ho=ft the WW oases pdd sba om•PeW m rw ranee dsehe •• Ln Vwp soetlC4parsad dam based on &9 satahb payees r asavvch- Ismts, eadaae ddoebtj msiL ciao doesl bal ens VAMP ad 12f3V2007. dmdhmwI I mgaeyia,mt cam, n6 rdsgts pgdeeetYg deb mat?wsdd>crsm dtk deb4P r s> srea0 rags. 121, A QY" ose s rtiq.i IbesbX fader see n:,ene foraddmetal ktpanstr tebrwdas LENDER Q Why not just use my bank for a home luanl A. Capital One takes the hassles out of the lending process. lrs quick yid easy, and its personalized. You'll have one-on-one atiemion from rite same Personal Home Loan Consultant start to finish. A direct line and email to your Loan Consultant helps you monitor the progress of your loan and address any questions yew may have along the way. Q-. What property types are eligible for a Capital One Horst Loan? A: We offer home lows for single- and multi-fynily homes, townhouses and condos. At this time, we do not offer hone loans for cooperatives, manufacmrcd and modular homes, mobile homes and commercial properties. Q. what types of Aoanuingdoes Caluitd One Home I.aam 09CO A. Capital One Home Loans offers avarlety of no-hassle home loan products, including Arse mortgages, refinance and debt consolidation bans, as well as home equity lows and lines of credit. our tram of eiTenewed prokss o als understands your situation is unique, so your loan solution should be too. Q: What if I am self-employed or have missed a Payment? A: Whether you have perfect credit, less-than-perfect credit or have bard-to-prove income, we will work closely with you to try to find a home loan solution that best mess your needs. Q Can I get a loan with a fined monthly payment? A: Yes. Capital One Home fans offers loan options that provide a guaranteed fixed monthly payment and rate that will not change for the life of the km. Q: Does Capital One Home Loans require a minimum loan amount? A. Yes, the mWmum loan amount is $20,000. Q: what information do I need to bare ready when I call? k Please have the following information available: • Your Reservation Number • The estimated value of your home • The balance of your fim m d&W • The balance of arty secondary mortgage leans • The amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800-760-2607 Our Personal Home Loan Consultants are available Mon-Fri 8 2.m.-8 p.m. and Sat 10 a.m.-I p.m. EST Or visit wwwcapitaleaehomeloans.com Reservation Number: 5o4s os i oo4 2765 Here's how simple it is ... © ? Apply Get started by calling us toll free, or visiting us online © ? Get a quick decision You'll know if you've been approved in minutes. © ? Next-day delivery All your paperwork is prepared and delivered to your door via next-day air or by email. We've made it simple by highlighting the areas for your signature home Loans Ra¢ k.6 -q by pmdua '--d and an: b.." Am uo k-.irg and app-9 d &1Iwo. O&r maonded ror qudrred appaoms urdy. Nm awl ban pd-. [ems are ara,hbk m an sore The actual doing uma may .wry bawl upon the mm in ahkh the pwupnn s bowed, noun wbim m adv. appm.1 Mds Jan our ¢proart an o&, m ens mm a ban agrte,nene. Rua and ohms aubt- a charge wkh-t nooa. O 200Cpad Oar Se I.. Card Oar.a/wi-Lj ex.rudurors ark All d/rw-d 7910 T. Is Here an obHtytHon when I nil? Q: i curresi ly have an Mm (a4usubk rate mortgage). A: Vo when you callus, you are under w obligation whatsoever. Why would I want to refimaim to a feed rate? Outing your phone conversation, a Personal Herne Loan A: The ben reason for refinancing to a fixed rate is security Consultant will simply help you determine the loan amount and If you have a variable-rate loan such as an ARM, your rate terms that best suit your treads. Then it's entirely up to you! and monthly paymmi can go up at any time. The sc urily of having a fwd rate that says the same Is priceless. Gap: What home loan solution is best for you? 500220 "a1e`0iM Capital One Home Loans can help you decide. • APRs starting at 6.280k* • Loan amounts from $20,000 to $500,000 • Personal Home Loan Consultant - No hassles, no hidden fees Call toll free 1-800-760-2493 Or visit www.capitalonehomeloans.com Reservation Number: 5058 071 018 3525 Phone hours' Mon-Fri 8 a.m.-8 p.m. and Sat 10 a m.-1 3 m EST Q fa11YIIOlIfr LENDER -.Wwriued anned per®raae rolek dedw w ut 03/1412008 andwhjea n dUSre it aay aa¢APR is Filed anaS..d-& hNOn 1203.210 lean-o. Mranbix dkro-I-A. ratlo ands 30jRU fixed-nee fils4fn wofyppe, ftonlMy paywen farihb aagde k S 1;154 Adratield bfwa and le>trktlxwu aPPIF C20W Owe is w Equal flo riag lender. See reeve for addaonal Inprbor Inbrma0al. FINANCE Previous Balance Paymetds 3 Credits CHARGE C$587.18 - 517.00 * 516.09 Apr. 20, 2008 -May 19, 2008 Page 1 of t Transaction New Balance Mn6llurn Payment Due Date ?• 51,921 02 = 52,507.29 $75 00 Jun. 13, 2008 .w WAS Iwe AT UNIT THIS AMOUW VfsaPId6NnmAIi__ d 4ea:-u7taR41-Iau I Your Account htorm>dion TOTAL REVOLVINGCREOR LINE $3,500 00 TOTAL AVAILABLE REVOLVINGCREDIT $99271 CREDIT LINE FOR CASH $3.00000 AVAILABLE CREDIT FOR CASH 5992.71 Rnance Charges (Mw see ravras fo frriportard Infoma6m) Bdrfoa rals Pafodc Cawsporubg FINANCE ypbdto rab APR CHARGE Purchases $1,644.89 om2w%P 1190% $16.09 Cash mm 0.04655%P 1699% SOHO AAINUAL PERCENTAGE RATE appld tlf4 prlo? 11.90% At Your Survive t400.90L36S7 To ed Cuslo-RaIdw rbrywwabetsmNn and ® Send paylarrbb CepiW Or l1gUSAINA f P O Boa 70881 f Lharlrlfa, NC 28Z720BH A Srd bxpmn I Cap AdOrd PO Bur 3=51 SA tabCity. UT 1141so4M ® Hana 9uaesonabout a eSerpa sn yaw ltdowat7 Para velar b M 81i1p Ridfls Summry on 66 back afyour alalameN a vid Paym4RltB Cmdda a Adiuthneate 1 02 MAY PAYMENT $1700- Tra rnactlan 2 21 APR TARGET 00022418 GIAMBERSBURG PA $68.97 3 21 APR CVS PHARMACY 81918 003 CHAIIBEIMRG PA $51.32 4 21 APR LA CAMERAS CHAMBERSBURG PA 55056 5 23 APR SHIP SHAPE HAIR DESIGN SHFPENSEURG PA $108.50 6 29 APR ALTERNATIVE 06644&9924 MI $75.90 7 30 AMR CHESTNUT GROVE GREENHOUSE SHIPPENSBURG PA $06.93 8 30 AMR ASHCOMBE FARM 8 GREE NH MECHANICSBl1RG PA $274.18 9 Ot MAY 7TA'rE RITORY AIEAD80041124323 CA $166.99 10 Ot MAY CARLISLE REGIONAL MEDICAL 7175801600 PA $212.67 11 02 MAY TUESDAY MORNING= MECHNNESBURG PA $5506 12 02 MAY CHESTNUT GROVE GAEE01HOUSE SHFPENSBURG Ph $71.91 13 05 MAY SOHO PUBLISHING COMPANY 1 NEW YORK NY $1497 14 05 MAY LCWBES 002816 SHFPENSBIRRG PA $5780 M 05 MAY LOWES 802816' SHIPP6RSBIIRG PA $23.30 16 07 MAY MEDCO HEALTH FT WORTH 8004188.7O70 TX $4000 17 06 MAY MAPLEWOOD PRODUCE ANDGIIE SHFPENSBURG PA 55175 18 09 MAY HER"9WSC Ra3RS 14C WDL713-1239 Vfl $3191 19 09 MAY BLOCKBUSTER VIDEO 042275 SIRPPENSBURG PA $1460 20 12 MAY GIANT FOOD 11061 SHIPPENS URG PA 513529 21 14 MAY GIANT FOOD 0061 SHIPPENSBURG PA $53.71 22 14 MAY MAPLEWOOD PRODUCE AND GRE SHIPPENSBURG PA $3782 23 10 MAY TfA'TERRITORYAtEAD00048824323CA $6900 24 tBMAY GULFOL 91425529SHFPENSBURGPA $4100 25 17 MAY YANKEE CANDLE 00$401 CARLISLE PA $10169 26 19 MAY PAYMENT PROTECTION 14085274904 $2457 Due b yourtomr: tansacbm m have removed the desrem6on to doss from your socourt You cad wig cartnue to Umbon nwndy Yor woounl wit mmar, open wi you rogkfsd Ofd it be dond PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPRAIANE COM TO MAKE YOUR PAYMENT ONLINE 0 4862367178437838 19 2507290017000075002 CIE l wbr, wyowr.wa+t' Account Number. 4862-3677-7843-7838 New Bal mar Minimum Payment Due Date C52,507.29 575. 0 Jun. 13, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amoulrt Endosed - Capital on* Bk(USA),NA •4165- P.O. Boa 70664 Charlotte, NC 28272-0868 7910547--7- Moose print add- or phone numb" ,.wVa behove u rani; blut or blad irk H PA.- AOn PAwr E-ii ad*.. Cd 590141072602696325 NAIL ID NLWER JANE 20LLI1116ER LOS rO6ELSAMCER RD SRIPPENSBUR6, PA 37257-1704 -172579704053- Please write your a(munt muter on your dledc or TroM order made payable OB Capital One Bkg",NA and mail with tits coupon in the enclosed ernelope. Call today for a free no-obligation consultation. 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 $140 per month? I Lower avenge asonthly payrn- dorm baud on first monEWs paymen, oo nots-ponds- irons, rrdusi- of cbstng ors, thu dosed baween 0710 1 /200 7 ..d 12131/2007 Aatnl In- pymmt -y v+,y. T.kurg out a boost ej uy I- or h., of -tt may tattoo ha coal amounr paid when mmpamd to your cvnetn snuuan. 1. some as, a5rnnnng us pay if -,,.g debt may, atend the tmn of she debt, possiWy resulting in hrgha o-nU mats and tnttrasing the toad amount pud Am comps sed ro your cu-E Of&r iruad d for qualified appiw-snno only Igor 211 loin products or terms ue a.aiUi. m all sore. The actual dosing isms ussy vary based upon the sum in whrdl dre prop- try is krond. [aaru subjai to ttedst appro-1. Thu dots nor rt r u an off. m truer inm a loan agroun<n, Rams aid rums sublou m change 1nrilout noo,e P,od n.rnd rrrorro f -d by Gpr lour Norm Lava. Ill' 01008 Capal Ox (:ryrtd Owe a a JFd-fry rs1rrrrrnd- -4 All -#us -4. New Home Purchase Mortgage Refinance i Home Equity Loan Home Equity Line of Credit . no' 19 t N.rb Ar.b • fb-Clbraa. a. aer p•tl.d. 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T1 h meeurarrrw Ir.v. -.oral mgOdlae.f aaarta 1.elmr a pu /r.) pb.aa r.rronNa b .bn of ••rr..perda?u. oor M applrb tor»unw eRta.01[ord ateunb peas el reply b brarvr ena.dt r»rd •oerrd. C.G61 oro eppurb afamub' n pnwq prubcdW w our .wb.t. avawr s.tbh.. Clow one is a Wooly r•pbbad+•rri. a.r1t a C.pbl on Fi rcal Cerpm bn Mdplb nrv.d tarot Captd O.» rtb arpbtbe a Your I.A- wMabY.atN F_ Wtbdltiare 0i» tb S. 'ra..am.a undw »G-W. r..rr r.. ere B.I.ro i • laala for . wYweb roman tar I= hp.rte mow F' pabpr bar dWb k adbtr t~ udMtkVbdtr.•w ab. bib.rd. T. r.»d b1.1 harts. drp•. maltpY/ O1DMIM-1 -WW, bF.nr Ilrrb. pq»wYPrlbe.iba.dMY/woo.redb.trr.rr/err.ila?lA/aadb. btbayedbrtN. tlbrtelywdr,Yd.etw.Iteiw.wdrp.atlpiywF*.rdYnabaYwpbsW./ndr bltia.FrfnsFn pt.b.db.dbra»pba.rdplraaadier rbar»aYrMbrwaaYvdla rh .FwrrswrG.rrt..rrys.nrwwa orr.w.4. ribr4ba/rlr.d./. ard.tilyde?. Plwr`rwtl?l.a IrF. rte. t.bl.•bbrOPl'7wr T tbbgYw Aaeabt Yar ad or-ondw.rb-dh m.bcbn.wr tlry M.rrr.l E.rrrObi irarcbra S. NONMAGaa EbOrw" Chad l.'•rr.MAW .yu ribdbr *-lrr to bmrr Grla-ra drekb rrl.ba • e.iro =1=1 .be.aae fad b.rr. ywb.d, eeutarb peas bn VrMrw rM tW*-"w*- ".d•aoebb der. ado a de Aea ti•rr-dx,um n mten Ludo .y M1.Itdb.r N- P--b- prI»rk'aeu•R r ear a t» •be brw 1•rw tar p.ym•rA aM tar rots i«erwF ywa ..•rran ? 1wr. r.l 7910547 JANE ZULL34GER 105 FOGELSA14GER RD SHiPPENSBURG, PA 17257-9704 Hry to the order of !ANEZULLINGER "Witai Richmond, VA Memo /12759/*256072701*75100021439921 Signature just write a Capital One® Dear JANE MUNGER, Purchase Check! You have things to do. And now you have an easy, convenient financial tool to help ou access et they give - Better Checks P h it l O d C , y y . urc ase ap a ne one- you get them to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fee! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. ® Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $O Fraud Liability, you won't pay a cent ifyour•checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest-rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could Day less interest. Treat yourself You've got things to do...get them done with these Purchase Checks! to a night out Thank you for your time, ti ill aj?,, V s Consolidate your b P. Taylor Jamison Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by July 32, 2008. Wont to transfer a balance now? Call 14MO-955-7070 or go online to htf g4L&nnsfe>iwfances.cnnr7nlotmRW offers. -Please see the reverse for important information about using these checks. 40603 20D4N JANE ZULLINGER 12760 105 FotB•].sANGER RD SHBRENSBURG, PA 17257-9704 Date 68-7MI256o Useby July 31, 2005 40603-01 Pothe of 0^td r vnm Dooms Purchase Ourk cb? Rchmond, VA Memo $l"woe 7910547 Date 200494 12759 Use by July 31, 2005 68-7270h560 40603-01 S? OoRam Purchase Check /12760/ *256072701*75100021439921 0 0 a Z m O yin -+ < a O ? m Ta> T ; ze iv oa sin r? z z 1m C0 C o of Z y C =_ mm r z m Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? ' Capital One account. re A: You can use them for almost anything-whether you shopping for new clothes. enjoying meals out or just Q: What APR will apply when I use these checks? want to have cash on hand Another way to use your ks is to consolidate debt from other credit cards h A: You will receive the same APR you currently c ec enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q; Where are these checks accepted? Q what is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer if so, we will notify you Examples of reasons we may not process your request include your account is delinquent overhmit, charged-off, or dosed; you have filed for bankruptcy, your card has been reported lost/stolen; out fraud system prevents the offer fulfillment or a tens of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect if you have an authorized user on your account the authorized user cannot request a transfer or use any checks. Purchase Checks. 1) Are treated as purchases according to the terms and amendments of your Customer Agreement however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card Please review the Billing Rights Summary on the back of your periodic statement for more information 2) May not quali- fy for reward programs 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid $0 fraud liability claims are subject to verification and investigation. O 2008 Capdal One SerMCes. Inc Capital One is a federally registered service mark All nghrs reserved T a i a O a =O M m M ryy<^ a v o O~ p m Ic 2. Z O g T < O = a _ _ m =1 S r a m m 791057 z m w m r m m z O A m m Home Loans 618% APR* 200492 (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 No Hassles From Call To Close Your Personal Home Loan Consultant W II Hardie Everything. can ton free: 1-800-760-2493 Or visit www.capitalonehomeloans.com Mon 4n Sam-spin: sat. 10-1 pm EST Reservation Number: 5058 021 004 4693 ` Adorned annual pntrcoogp nor • e&airc a •(03124/2008 and wblea m dune ::= APRs hied m Good c dig hoary. E103.280 Ina amwm, 8d!6 mmb?ml bwt-A. non xd a 1Dya?r (md-ns fi?airn ma?a¢ Afondy p°YnYna Gir u sl. nad?o?.ut minx and nYmcavu apply. Dear JANE ZUWNGER, We're impressed with the responsibility you've shown in managing your finances with your current Capital One• account. So much so that you've been specially selected to apply for this offer to refinance your mortgage with us, and lock into a FIXED rate while rates are still low. YOUR REFINANCING EXAMPLE: First Mortgage: FIXED Rate: FIXED Monthly Payment: $203,280' I 6.28% APR* $1,256' WHY REFINANCE NOWT If you already have a fixed mortgage, refinancing to a lower fixed rate can reduce your monthly mortgage payment Or if you currently have an ARM (adjustable rate mortgage) or are making interest-only payments, upon approval, refinancing to a fixed APR gives you the security of a rate you can count on to stay the same • Low FIXED APR starting at 6.28%* • Consolidate high-interest debt • Lower your payments by an average of $140 a month** Don't take any chances with your interest rate. Call us toll free at 1-800-760-2493, and we'll work to help you refinance to a low FIXED rate. We also offer home equity solutions, such as home equity lines of credit and fixed- rate loans Your Personal Home Loan Consultant will try to find the best solution to meet your needs Sincerely, _-W JW101, Call toll flee 1-800-760-2493 Pat W. Johnston Mon-Fri 8 a.m.-8 p.m.; Sat 10 a.m.-1 p.m. EST Director, Capital One Home Loans Or visit www.capitalonehomeloans.com Reservation Number: 5058 021 004 4693 P.S. Call today for your no-obligation consultation. Dis-ARM Your Mortgage 2W492 Lock into a low FDCED rate and guaranteed FIXED monthly payments. EXAMPLEt: Based on a FIXED APR 791 If you borrow $61,270 If you borrow $107,295 If you borrow $203,280 FIXED age Pmonthly Your FIXED nxwd* your FIXED monthly Your g alRrte1t ly nwrtgage payment willbe $401 mortgage payment will be $682 mortgage will be $1,256 *Upes aypr•rd,)war bao mo??mayrfyhaadml0e?turadots Fibfaol6lrpalfmaareladmadotalaural, I; nor, ava ily 6.85% AM 1w$61.270 hall wwwr. &%% APR far 11107,2" I m atioed ad &M AR for $2"M 1m (f'a'll b soft eft, rthaeft to pe, d ew!>tlnd dehi afr nerd Ote rem of the de64 pm''* tactualbNWcnodh GMArssadtetraIgtkaflafoenpaidr00mel1 a taetams'i0111M e w ep o p ? ledomboodaksmosM aofecivet 11...erd n? S 6ldbe . m cavt ad leaeaq Aaud w adatlttd debb1 my 6e W pow" 11 f Orelodaotafptldwh. mapue'or. anreftloWoa ? -`r YINd On is m Egod Novi t Wdec See max for dd0ad Ifpwm Whousim ¦ Q: Is there an obligation when I Ga117 A No When you call us, you are under no obligation whatsoever. During your phone conversation, a Personal Home Loan Consultant will simply help you determine the loan amount and terms that best suit your needs. Then ifs entirely up to you' Q: Why notjust use my bank for a home loan? A capital One takes the hassles out of the lending process Ws quick and easy, aad it's personalized. You'll have one-on-one attention from the same Personal Home Loan Consultant start to finish A direct line and email to your Loan Consultant helps you monitor the progress of your loan and address any questions you may have along the way. Q: What property types are eligible for a Capital One Home Loan? A We offer home loans for single- and multi-family homes, townhouses and condos. At this time, we do not offer home loans for cooperatives, manufactured and modular homes, mobile homes and commercial properties Q: What types of finandng does Capital One Home Loans offer? A Capital One Home Loans offers a variety of no- hassle home ban products, including first mortgages, refinance and debt consolidation bans, as well as home equity bans and lines of credit Our team of experienced professionals understands your situation is unique, so your ban solution should be too. Q: I currently, have an ARM {adjustable rate mortgage). Why would I want to refinance to a faced rate? A: The best reason for refinancing to a fixed rate is securrty. If you have a variable-rate loan such as an ARM, your rate and monthly payment can go up at any tune. The security of having a fixed rate that stays the same is priceless Q: What if I am self-employed or have missed a payment? A• Whether you have perfect credit, less-than- perfect credit or have hard-to-prove income, we wi8 work closely with you to try to find a home loan solution that best meets your needs. Q: Can I get a loan with a fixed monthly payment? A Yes. Capital One Horne Loans offers loan options that provide a guaranteed fixed monthly payment and rate that will not change for the life of the loan. Q: Does Capital One Home Loans require a rrvinimum loan A. Yes, the minimum loan amount is $20,000. Q: What information do I need to have ready when I call? A: Please have the following information available • Your Reservation Number • The estimated value of your home • The balance of your fast mortgage • The balance of any secondary mortgage loans • The amount of the ban and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800-760-2493 Our Personal Home Loan Consultants are available Mon-Fri 8 am.-8 p.m. and Sac 10 am.-1 p.m. EST. Or visit www.rapitalonehomeloans.com Mervation Number 5058 021 004 4693 Here's how simple it is a.. 0 V Get started d by calling us tell free, or visiting us online © ? Get a quick decision You'll know if you've been approved in minutes. © ? Next-day delivery AN your paperwork is prepared and delivered to your door via next-day air or by email. We've made it simple by highlighting the areas for your signature -;i;X Cap Home Loans Ram iod-y byprm[ira sele?d aril aro obo>oa6k afsor ua&-iliri8 aid •rao.al crdr km. O&r u -&d R. qualifinl aplilkanu o IT. Woe rli loin Prodiiua uc cmos are aeailsbk m all auas. Th" -1 clewing nmo ony -7 bsse.l upon the sae m ssl.ieh die P.P,M s lomred. I.oaria sv6px m aadii appeonL 7Lk dues oee repremc ao aRer ro eniu into a bna agreemene W m and rams sublets ro ¢hur fir wirhaus mom p.danr.wl e,a::: h cyr? owe rra a L•mt L[C o 2" C prtd One r1Pf01i owe n w fednarh RsA a°Y fe °°? .ur,?6ar r •e. a 791fl p p Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, 0000) 500023 mailing letters. Get some time back each month with Capital Ones balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready ?tran fer? revese to learn how. l _,;4767r939. FINANCE Transactions New Balance Mirdrrwm Payment Due Data Previous Balance Payments i Crelft CHARGE 52,507.29 - $2021.20 + 524.20 + 57,014.55 = $1,524.84 $45.00 Jul 14,2008 May 20, 2008 - Jun. 19, 2008 Page 1 of 1 Ytsa Platinum Account 48623671-7847.71136 Your Account hyforantion TOTAL REVOLVING CREDIT LINE $3.50000 TOTAL AVAILABLE REVOLVING CREDIT $1,97516 CREDIT LINE FOR CASH $3.000 00 AVAILABLE CREDIT FOR CASH $1,97516 Finance Charges (Reese see am= for imporbd inrvmalton) Bousloa rare Prok dic Ca fogmrrdr0 FINANCE vow b rats APR CHARGE Purehom $2.39195 0.03260%P 11.90% $2420 Cooh $ODD 0-04655%P 1699% $OAR ANNUAL PERCENTAGE RATE apdYd tides pNi°? 11.90% ® At Your Sarvke 140&4013637 To al Cudw-Rdol aI.Mod a ket addea cad ® Sand Payments b: Capita Om B)( 3ALNA A P O Bar 70864 A Oiebea, NC 2827 4M A Seed kgrdrlsa to. Capita OrM PO B. 30M A Shc taro Car, UT 8413OM ri•. nFASE aW R (FAST Tx5 AxpN! Paymnihi, Credits s Adlustsuiri is 1 30 MAY STAPLES 00102749 CHMMERSBURG PA $212D- 2 07 JUN ELECTRONIC PAYMENT S2,000D0- Trattaac8orls 3 19 MAY LOWES #02616' SHPPENSBURG PA 6243% 4 19 MAY THE VICTORIAN CORNER SHIPPENSBURG PA 596.20 5 19 MAY GULF OIL 914MM SHIPPENSBURG PA $40.01 6 22 MAY MAPLEWOODPRODUCE /NDGRESHPPENSBURGPA $27.76 7 22 MAY BANANA REPUSLICFACTORY 0HAGERSTOWMMD $29.67 8 22 MAY LOWES BAYSHORE NURSERY IN STEVEIMLLE MD $5416 9 22 MAY J CREW #51 HAGERSTOWN MD $31.27 10 22 MAY GULF OIL 91425529 SHIPPENSSURG PA $4158 et 23 MAY LOWES #02818' SHIPPENSBURG PA $32A7 12 23 MAY CRIDER MEATS SHPPENSBURG PA $10.48 13 23 MAY CVSPHARN1ACY#5MQ(OSH1PPEN%A1RGPA $3410 14 23 MAY LOWES #02816' SHIPPENSBURG PA $2012 15 23 MAY TOW NE CLEANERS SHIPPENSBURG PA SMOG 16 29 MAY THE MANNINGS EAST BERLIN PA $414 17 29 MAY MAPLEWOOD PRODUCE AND GRE SHIPPENSBURG PA $3576 18 29 MAY STAPLES 00102749 CHAMBERSBURG PA 57312 19 02 JUN GIANT FOOD #061 SHIPPENSBURG PA $17295 2D 02 JUN WAL4ART #53581SHIPPENSBURG PA $99.18 21 10 JUN MFDCO HEALTH FT WORTH WO-O-7010 TX $150.52 22 19 JINN PAYMENT PROTECTION 1.88&W -M $14.94 ® Haw a question about a dnrye on Yaw st1dsnwrt7 PleasmWbMBHbq R*b Summeryon Brsbaskdyaw Wheew yothe in to mrkd br a hones equity ben or you're inWeded or minarmV, CWW Ono TALI rode dakmenl ar vial hours bar s*kn to N your needs. We otisr 9" ralse, no hidden bee, ad you wit mcaw so woonare somdon d 0r wm Demand ban emwoW ken cal bdoso. Vat wws.coptolardwm loar"om for mom kdonnaion. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPRA(ANE.COM TO MAKE YOUR PAYMENT ONLINE 0 4862367178437838 19 1524842000000045007 C wmalon ' I wMt's w yawwaaeLl' Account Number. 4862-3671-7843-7838 New Balance Minimum Payment Due Date C $1,524 84 545 00 Jul. 14, 2008 PLEASE PAYAT (FAST THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA 'tLrr P-0• Box 70664 Charl otteI NC 26272-06614 7910547. Please Prka addnu a phone _bu durgm below -q blue - blade nk Noaw PA.- Alaraare Ph-- S-wrl adAtiv A #9017207260269637# MAIL ID NUMBER JANE ZULLI#GER 10S FOGELSAEs ND SNIPP£NS91111N6 . PA 17257-7704 47291K NOW Please wdke your account mornber on your died( or money order made papM a to Capitol One M*" NA and mail with this coupon in the enclosed erwelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at t-977-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. 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W.r r INIy r by b -W wwbdb. w/ip NN nd-nano-rw Aphb b w,r Ir1br, pb-h rer.•bV iim-ten: )w nr-td aem,ar lnreb.r, h drYaerrddh rnPadad amt. e ONwpbr,dri Mtlwd M 0upbrd.A rpseil, d Wy rw bir.lbn brwnr. w fwu -W rron bfr-la dNnyMbndh rw 1•• w Vn•w abwR V-de rot Inv. b Par My arw.lb?u•rb, rAi wan bvarp.liq [but )Nerrewrdrp.rh prbdywdrlMw,rtb y,wba IdRi N bv.rpab ww Wraw'• aa,d'•P•n wu N driq-Awbb -..den b aebdri a.r,aA wu qudbn. Bpaebl Rub b C-*Cad P.Nrr I ,-p..udrrd • pbbdeif,Maar%&rddWy- lava prh «aa.INe f.ly IAh alydb peal otb lopay p +iFobMnrinrwAantw•wrtwwh dpF ndbbu h anva, neaiNnp d dwMriPmwtl rniio0a You bM ri pr.webrnowy Mtn M pudb_ pin man. rin BBO.xor h prdra. wa mr b rw lama dab adxfn 100 nAb. dww n.ip.da,.-.lxw w.Pw.lah wrm-t tlrw m.lad w.h bhpaep.ryw aawiw..dpudwaa. r. e.rwN mPlwaee daawA a bnren d punriN) Praea ,am.mb.rb rwidaM.rpwdru Or ndappfjb O.siwr rvauab C.pll C-wypnb id-a PAwq P-Wr rw ..baxedrd AQMMIM ? CapEMC-bab41, n-1 awwamaidCepYIC- Fw, Capwrw,.ApAprarwwad.r2P8bCM"O- bprbdirir Ppa.Yfawrbr.B?r..dldbrs®ArdlnwbrwepN-drEp.Adrdll)/. wrM hafwprlydwrbl?ladywrarrbrr.dNlmair..mMa W W w*w!-rbwiraeb.wPawYpa?r tp)P.. ET(tl.wPry Rrr-rrrba W b.rwayalF•wdd-r ?ewl+w.rry. r.r srrerrw. wa4bmwarbaMAd.Ir4rwiN-OFbi-a4NwRald7 ?r.r/l8da?p. MYipiiYw pl.r./,r r ryr, p,pr d4a. t abr PRrrf P•l•l••d 7910547 JANE ZULLINGER 105 FOGELSANGER RD S111PPENSBURG, PA 17257-9704 Date Use by August 31, 200E 200494 12761 68.727012560 40603-01 Pdy to the -d adero/ ytNEZULLINGER vnm Copra Richmond. VA Memo Ptnrltasecheck /12761/*256072701*7510002143992/ Dollars slgnature just write a Capital One® DearWNEZULLINGER. Ch k! h You have things to do. And now you have an easy, convenient financial tool to help ec Purc ase you get them done-Capital One Purchase Checks.* Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the Purchases made with your credit card. Plus, there's no transaction fee! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. © use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and looney. Buy a gift for that Use your Purchase Checks to transfer higher-interest-rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself You've got things to do-get them done with these Purchase Checks! to a night out Thank you for your time, 0 ? Consolidate your bills ttoK ? iv?m ? c al c P. Taylor Jamison Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by August 31.2008. Want to transfer a balance now? Coq 1-800-953-7070 or go online to h .1 trnnsferbatonomcapftdonGOVm/o/frrs 'Please see the reverse for important Information about using these checks. 40603 200494 JANE ZU1134GER 12762 105 POGELSANGER RD SHRPENSBURG, PA 17257-9704 Dote 68-7270/2560 - Use by Auguit 31, 200E 40603-01 JPoy to the order of vnm Dopers Prrrchese Oretk %rhmonA VA Memo 791054 /12762/*256072701*7510002143992/ F 9a m w -? p ym 9 F < M Om O y M T z O a v D Z o v O n 9 D ? ?o z z O m m m a ? m ? O 9 f N Z ti = c,? n = n Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A. Nope. Nadia. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? ' Capital One account. re A: You can use them for almost anything--whether you shopping for new clothes, enjoying meals out or lust Q: What APR will apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: where are these checks accepted? Q what is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer If so, we will notify you Examples of reasons we may not process your request include your account is delinquent, overlrmlt, charged-off, or closed, you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit lin% APR or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks Purchase Checks: t) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card Please review the filling flights Summary on the back of your periods statement for more information. 2) May riot quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check Please be sure the total of your checks, transactions and fees does not exceed your available credit line 4) May not be processed or may be processed at a higher default rate if your account is not current 0 e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account- 7) Qualify as using your account 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N A, which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid So fraud lability claims are subject to verification and investigation. 0 2008 Capital One Semces, Inc Capital One is a federally registered service mark All rights reserved G m v rims m0 <a o m _ m < m ? 9 v m D Ti„ z y .0 r fl O ? ?w Zm z .? O y m y f S X 7910547 2 w_ mm 2DO490 Lock into a low FIXED rate and guaranteed FIXED monthly payments. EXAMPLE': Based on a Home Loan with a FIXED APR w $203,280 If you borrow $61,270 If you borrow $107,295 If you borro Your FIXED monthly Your FIXED monthly Your FIXED monthly payment will be $397 payment will be $673 payment will be $1x23s8 t aPP . yom Imn mi"a" MV my bind m puu sperl9c AS%9aa P.ranpk mmrNy pymam m bwd m a Yud reread patatnfe tale, mrradr 6.3X APR kr f61,2701om amount, 4f3%AI'R br dtoTZ951om aeo.m and G ISX A?R br 293,7ItOlmm nrotmt The &ed mmmhy pyrema art roe9' Inrs ad regalia apmd rsadY hlstery and ltOK momhoed the mW roam' pad •fien Mai ro-ralue rnb. bi "a"' a4; retlarrchic to py a8 atideh mq amend the term at the deK P-My neWft In WOW nerd mils and hicimalt .,.ad.. ,rmr cmraa rimedmt Capital Home Loans Refinance with Capital One: Lock in a FIXED Rate that Works to Your Best Interest JANE ZULUNGER, You already know Capital One" as a great credit card company. But did you know we also offer home loans? Apply for your Capital One home loan, and upon approval, use it for just about anything . make home improvements, consolidate high-interest debt, cover educational expenses or have money on hand for unexpected expenses Or if you currently have an adjustable rate mortgage, you can refinance to a low fixed rate. It's your equity, and it's your choice of how you use it. Get a great FIXED rate on a loan customized to best fit your needs-from $20,000 to $500,000. And it's easy. Your Personal Home Loan Consultant will explain everything and help you through every step. Call us toll free today at 1-800-760-2607 for your free no-obligation consultation YOUR REFINANCE EXAMPLE SUMMARY Example Loan: Low FIXED Rate Starting At- Example FIXED Monthly Payment: $203,2801 6.15% APR* F$1,238' Loan Amounts: Tax Deductible: Personal Home Loan Consultant. $20,000-$500,000 YES idi-k-6 youri-adrrrar) YES Advertised annual percentage rate is effective as of 04282008 and subject to change at any time APR is based on a good credit history $203,280 loan amount, 80% combined liar.-to-value rata and a 30-year fixed-rate first-hen mortgage monthly payment for this example is $1.238. Additonal tams and restr coons apply. Capital One is an Equal Housing Lender See reverse for additional important information 200499 Apply Today For Your No-Hassle Home Loan e ewe-.1-c rm -- Call toll free 1-800-760-2607 Visit capitalonehomeloans.eom Mon.-Fri 8 a.m. to 8 p.m and Sat 10 a.m to 1 It m EST Reservation Number: 5068 011 016 2620 7910547 Home Equity Loans I Mortgages Refinancing i Debt Consolidation 1211 LEtAEA ¦ Q: Is there an obligation when I call? A. No When you call us, you are under no obligation whatsoever. During your phone conversation, a personal Home Loan Consultant will simply help you determine the loan amount and terms that best suit your needs. Then it's entirely up to you! Q: Why not just use my bank for a home loan? A Capital one takes the hassles out of the lending process. It's quick and easy, rd it's personakzed- You'II have one-on-one attention from the same personal Home Loan Consultant start to finish. A direct line and email to your Loan Conwftant helps you monitor the progress of your loan and address any questions you may have along the way. Q: What property types are eligible for a Capital One Hone Loan? A: We offer home loans for single- and multi-family homes, townhouses and condos. At this time, we do not offer home loans for cooperatives, manufactured and modular homes, mobile homes and commercial properties. Q: What types of financing does Capital One Home Loans offer? A: Capital One Home Loans offers a variety of no-hassle home loan products, including first mortgages, refinance and debt consolidation loans, as well as home equity loans and lines of credit. our team of experienced professionals understands your situation is unique, so your loan solution should be too. Q: I currently, have an ARM (adjustable rate mortgage). Wiry would I want to refinance to a fifixxeedd rate? A The best reason for refinancing to a fixed rate is securely if you have a vanable-rate loan such as an ARM, your rate and monthly payment can go up at any time The security of having a fixed rate that stays the same is priceless. Q: What if 1 am self-employed or have missed a payment? A: Whether you have perfect credit, less-than- perfect credit or have hard-to-prove income, we will work closely with you to try to find a home loan solution that best meets your needs. Q: Can I get a loan with a fared monthly payment? A. Yes. Capital One Home Loans offers loan options that provide a guaranteed fixed monthly, payment and rate that will not change for the life of the loan Q. Dos Capital One Home Loans require a minimum loan amount? A Yes, the minimum loan amount is $20,000. Q: What information do I need to have ready when l call? A please have the following information available: • Your Reservation Number • The estimated value of your home • The balance of your fast mortgage • The balance of any secondary mortgage bans • The amount of the ban and credit card balances you would like to consolidate For your no-obligation consultation, simply call us mil free 1-800-760-2607 Our Pcrsonal Homc Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-1 p.m. EST Or visit vvww capitalonehomeloans.com Reservation Number. 500 oil 0162620 Here's how simple it is ... 0 ? Apply Get started by calling us toll free, or venting us online 0 ? Get a quick decision You'll know if you've been approved in minutes ©? All N yoeur papxt- p delvery erwork is prepared and delivered to your door via next-day air or by email. We've made it simple by highlighting the areas for your signature. Home Loans Rau: lab •aq by pmd- kcred >M am ob.-W afrer n,ade,.vnnns snd app,wr.Fa6e Icon. baled u d,e sore in •rhid, rbe offer inarn W for it"ified apO- only ' ,r .a Iwn ptoducn arr remu m a.a,Tabk in all cram. Theme dm nno may cuy tift ?? ? a mby= w h w Pmpmyn b-.Lt-.4-,o-A, app-.L Thi.,be. na went an „ ffacro --icon akon c Rao nd reins A.dwa,.nd rsrewa, -d y Vpamil own H- L- aC 020M CV"are.cyan,0.rw.ledrner4 nrnerrlrmire lark dUno. mums. 7910 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,507.29 -( $2,02120 *; $24.20 $1,014.55$1,524.34 ( $45.00 j Jul. 14, 2008 May. 20, 2008 - Jun. 19, 2008 Page 1 of 1 Visa Platinum Account 48623871.7849-7836 Your Account Information TOTAL REVOLVING CREDIT LINE $3,500.00 TOTAL AVAILABLE REVOLVING CREDIT $1,97516 CREDIT LINE FOR CASH $3,000 00 AVAILABLE CREDIT FOR CASH $1,97516 Finance Charges (Please see reverse for imparlaril information) Balance rate Penxbc Corr espondng FINANCE applied m ate APR CHARGE Purdeses 52,38495 003250%P 1190% S24 2D Cash $0.00 0.0465?k P 1699",0 9).00 ANNUAL PERCENTAGE RATE applied Uric period: 11.90% AtYarService 141100-403,16N W To del O,simw Rellns crb,,Wtabstorst brrcard 0 Send payments to: capes One Ifk(AA),NA • P D Bak 70884 • a,arbtle, NC26D2Al% A Send fnqukiesto: CrrpealOWPD Bac3M•SetLd®Q9'.Ur84130M Pc_nu 7,r ,v LE/SI TIPS .'JM'lLf" Payments Credits & A(flustinents 1 3D MAY STAPLES 001(l749 CHAMBERS31-P.G PA S2120- 2 07 JLINJ ELECTROIBC PAYMENT S2,00000- Transactions 3 19 MAY LOWES#=17SHIPPEtr4ARGPA $2436 4 19 MAY THEVICTORIAN CORNJERSHIPPENISBURGPA S95.20 5 19 MAY GULF OIL 91425529 SHIPPDSaURG PA 540.01 6 22 MAY MAPLEWOOD PRODUCE AND GRE SHIPPE%BURG PA 52776 7 22 MAY BANJAN4A REPUBLIC FACTORY 0 HAGERSTOWNJ MD S29.67 8 22 MAY LOWES BAYSHORE NURSERY IA STEVENSVILLE MO 55416 9 22 MAY J CREW #51 HA(ERSTOWNJ MD 53127 1) 22 MAY GULF OIL 91425529 SHIPPDJSBURG PA 541.58 11 23 MAY LOWES 4.o2e16• SHIPPENi58URG PA 53207 12 23 MAY CRIDER MEATS SHIPPDISBURG PA S1048 13 23 MAY CVS PHARMACY #5726 QXI SHIPPENSB.IRG PA 53416 14 23 MAY LOWES #02816' SHIPPE1,13N IRG PA SA 12 15 23 MAY TOWNE CLEAl ERS SHIP?EIM RG PA 522.00 16 29 MAY THE WININM EAST BERLIN PA 5424 17 29 MAY MAPLEWOOD PRODIGE AND GRE SHIPPDISBURG PA 53576 18 29 MAY STAPLES OD102749 CHAMBERSBURG PA 573.12 19 02 JUH GV1NT FOOD #061 SHIPPE•ISBIRG PA 517295 2) 02 JUNI WAL4*RT #5368 SHIPPENJriBURG PA $9918 21 1D •UNJ MEDCO FEALTH FT WORTH B)U88.7)10 TX 5150.52 22 19M PAYMENIT PROTECTION) 1.888.52 a04 $1494 ® Have a question about a charge on your statement? Please n f- to the BWli g Rights Sunmany on the back of your Whether you're in ft market Tor a home early loan or yoke interested n refnancrg, Capital One will find a statement or vast www mPitabne wnJdsaules home loan solution to fit your needs We offer grad rates, ro hic im fees, and you will ream e the one-on-one attention of fie same personal barn consultant from call to dose VrA www.ca•IWabrefomebans corn for more rnfornratnn REASE RETURN PORTION BEUhV WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE CaprtalOne° ,.,hM•,,,,.n.rwalf.n° 0 4862367178437838 19 1524842000000045007 New Balance Minimum Payment Due Date ( $1,524.84 ) 545.00 JUN. 14, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Endosed Capital One Bk(USA),NA ?r?rr?nrr???r?rrr??rr? P.Q. Box 70664 Charlotte, NC 26272-0664 7910547 irrirurrir,rirurnirriruirrrirririr,irri,rnrrinirriirrrn Account Number. 4862-3671-7843-7838 Please print address or phone number changes below using blue or black irk Home Ph" .47emate Phone E17ai7addres Cal #9017207260269637# MAIL ID NUMBER JANE ZULLINGER 105 FOGELSANGER RD SHIPPENSBURG, PA. 17257-9704 IrrIIIInIIIIII10L1r1nr11r1tr1rlr111n111n111lrr1111rlr11r Please write your account number on your check or money order made payable to Capital One Bk(L%,NA. and mail with this ompon in the enclosed envelope. 6.02% 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' Horre 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 Close. Your Personal Home Loan Consultant Wi I Handy Everything. Call toll free: T-800-760-2493 or visit www.capitalonehomeloans.com Mon. Fri. 8am-Spm; Sat. 10am-1pm EST 5078 04.1 125 0346 Reservation Number: d i.xd...1' r r d iuf Usll )'rgla :u:d >uLInII 1 o.l Ri: b.ur<l,,.k J -J' I sS(u.1 i.C I: u.: SO. +nsld?.al Iv r ilc lY 1 i rn 1 t r u .g ?Ivrnhl. r r n - d out .+1.3U?. Ad.i;r ial r n:u r d I iLr:.., appL. . n Equal Hn rb l; der ?,:: «.. ur rddu anal Irnpnr am I hrr-n r calalrar E tauu xatswc (':,p r J On; { I LENDER Home Loans I Mortgages Refinancing I Debt Consolid.ttion home W4- Previous Balance Payments & Credits CHARRGGE Transactions New Balance Minimum Payment Due Date $1,524.84 J - $45.00 * $16.07 *?` $718.99 $2 214.8 $66.00 Aug. 13, 20081 Jun. 20, 2006 - Jul. 19, 2008 Page 1 of 1 e M, A r -.r I UM TIIS rVA0L'rJ Visa PIW. Accolatt ' 4862.3677-7843-7838 Your Account Information TOTAL REVOLVING CREDIT LINE $3,500.00 TOTAL AVAILABLE REVOLVING CREDIT $1,285.11 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $1285.11 Finance Charges (Pbase see reverse for impwbj t i i1iormabon) Misr=rate Pe iodic: Conasport FINANCE applied b rate APR CHARGE ?urchases 51,676.63 0.03192°11 P 11.66% S16.07 Cash SO.00 0.04580,+ P 1674% 50.00 ANMAM1L PHtCENTAGE RATE applied tlais period: 17.85°A Q At Your Service 1.8008033637 To cal Qrtxw kq funs a b repot a bd or Sbb1 card 0 Send Payments b: Capital Ore MUSN.CIA • P.O. D0K 70884 • awblk: NC28272-M A Send inquidrstD: Q*WOneP.O.Bou31185•SetfakeCity, UT8113 M ® Have a question about a charge on your datAIMM4 Please refer to the B*V Rob Suinv f'an the beck of your statement or visit Payments Credits Sr Adjustments 1 14JUL PAYMENT 345.00- Transactions _ 2 11 JJL TFE WHIGS EAST BERLIN PA $66.82 3 11 JILL JIMMY BEANS WOOL 530582a W 5165.22 4 14 JJL ART 8 ARTEACT 8M.9503640 OH S196.B5 5 14 JUL EAST MEETS W=_ST EMPORI SHI PPEHS"13 PA S131.44 5 15 JUL HOLY SPIRIT HOSPITAL CAMP HLL PA 590.00 7 17 JUL CHAMBEERSBURG HOSPITAL BIL CHWBERSBURG PA 543.94 B 19 JUG PAYMENT PROTECTION 1.8ABS27-M04 $2171 Whether you re it Be market for a horse ecI.* ban or yoLte irderested in refrencng, Gapitai One wd find a hone ban sotrbon b fA your deeds. We oiler great rates, no hidden fees, and youwd receive the ateon one attention of the sane personal bat tortsukart from cal to close. Visit www.capikabnehomebans.mm for more triamation. PLEASE RETURN PORTION BELOW WnH PAYMENT OR LOG ONTO W WY.CAPITAUJNE.COM TO, MAID YOUR PAYMENT ONLINE. 0 4862367178437838 19 2214890045000066000 ....?., C-'*W-*WI vh&-ynu,+w 111?" Account Number. 4862-3671-7843-7838 New Balance Minimum Payment Due Date Pieria print address or phone rxvnber oranges below u ing blue or wady ink. 2008 13 Addrrss , $2,214.89 $66.00 Aug PLEASE PAY AT LEAST Home Fh" ,4ltemara Mom THISAMOUNT ErrwJad?cu' Amount Enclosed - g9020207260269632aK MAIL ID NUMBER JANE ZULLINGER 165 POGELSANGER RD Capital one Bk(USA),NA II ' II IIII I 7910547 766a4 B SHIPPENSBURG, PA 1,7257-9764 ox P.O. 1111111m Iu111111111w 1111n1u1111u 11 I n 1111111 111 a11111 charlotte, NC 28272-0684 ItIIIIIII I N I I I I O I 11111111111111111111 If 111111111111111111111 Please write your aamurat number on your deck or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the endosed 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' Loeser arerag< nponddv payment claim based on first nwndis paymau om nun-la ...It— lout, csdusisc d dosing costs. d,at dosed bet-, 10101,2007 and 03.912008. Actual Inert paymcnr nay. ,ry. Rdinanring rn pay off-"ring deter may enteral rho - ns the dcN, pnaihly -Iring in higher -cnll cows and incrcasinE the -.d .imnnnr paid nhu, ccntparxl to your W-nt simratiop,. Off,.+ intcn,hd fin gn.difi d:Tpli-,- only. Nastall lo:m pnul :rsorr,emsarc:rvaiL blc in all s.., Th.:aun:d:Iudm?rime n;,y-ry h.,s.d ,p-rte;: ,,,c in vhi, hr ho pasrl-ry s located. Loans subject to credit appnoxl_11,is deer not represent at. of:eer to suer into c lean zgrecm,ent. Bores and terms subiect to dleugc scidlo(it neuce. L>>+, .. ,r.rA v.rz /url Lr C'-?+ir:r;ll,ir (mn]f LMUS L LC k; lgOxrapiua Ori C"+qur,rrrVt Irf,-'!1 ?.r Horne Loans I Morlyayes I Refinancing Debt Consolidzlion 1. How to Avoid a France Charge. a.Grace Period. You will have a mksnum gracile period of 25 days vrM W fiance charge on new purchases, nevi balortca tansfam new special purchases a W new otter flanges l you pay your tow NM Below., in anoniancerwth tfa inportare raid. For payments below. and in larefor ale be creed by your paynert due dale. There a no grans parbd on Cash adrames and special Iraraba. In arlNborb than is not grace period on ay aar6acaon 9youdo not pay meblal 114evv BW,a." b. Morning F6rnes Charge. Transactions which an rot subjedto a grace period ant assessed Finance dMT)e 1) tram are date of the transaction or 2) Vann ins "a the traeatbn a proaesea oyorrxeaat a 3) romthe Ike oaerdar dy d the cunat bang paled Artl .y, b you did not pay the'Nsn Balance" hornto previous tilling period in UL seance deeps ooMFSS to scene to your upald bdalte Wall the urFM balaana Is paid in full This rreas that you nee *15 oars f nom charges. even ryou pay thearais Now Balena rdcated on the hat or your steknenl by the pyrrnent due dab. but dal not do so fats per"s; month. UrgsdFinance 0arges are adds to Use appk" sgnentof yowrA=urL c. NOWMINn Flnaoa Charge. For each Mang period that total FNNiCE CWJt apD.60willbbe Wpso0. d. Twrpoary Rg&IMn in Finance Charges. We reserve the right to trot asses any or all finance Barges for wry given telling period 2. Ararage Day Balancer Wicludsg New Purdeaes} Finance charge is aborted by naalpyrg the tbry b,. or each Sinn" QfYQWaccount (e.g. cm advance, Iwrohwt spacial bmefar, and spaced purchese) by to corresponding day parodic aft(s) UM has been pevbtl* dacbeed to yoa At t'a end or each day during n6 btWg period. We a" the day Weeds: rate or own seyre't of yotu amount b the day balance of each seen art Than at the and tithe NOV period we add up the results or Owe day oalcusaUao to arrive at your palOck Fiance Cergelorown sagnart We add up the resuas from each se7nert o arrive atinMl parbcac fnanes crwte fayouraccourl To pot tie day balance fa each segrieN dyer account we take the beginning trance for each sQnlarl ad aril any new transactions NO any periodic lkeav Cage Calculated M the previous day's bdacw to tatvogerant We than suboai any Pryme'ts oeredile Pattd eadf that day that are amocaed to that segeertt This gfye to the separate day Oaleroefor errs segment of your aebarL Fbt-y', Wyou pact me Few Batas sham on yorrpervious IMWM nt in teal (o If ytwrr,rnr balerce web rem as Cell anount), now tra saibre, Which pcetoyour pumhaseor spatial Pucss sepnerO are riot added b to day balances. We COMAM to average rJay balaq by adrlY9 at the day Winner bgahsr and d vidi g to sum by to rarnber of lhedoys in to Dunest birig cycle. To calculate yortotal n or;e charge, ffyAA*Yw overage doll, beam-by One day paodb ram and by coo Melrose of drys In rte berg Period. srrr- dap s ? emnn on eni. tl9-dW basis 9 MW be a var va n f behv"n this caatabn and is anon a francs cheye atMW assessed 3. Annual Pemcenage Raise (APR) a. The W. "Annual Percentage RaW' nay appear as "APR' on the tort Of Vlbi sele"renl b. if the mode P Paslary Pfine), L (QUartnbr L16Cri1 C of the porbUe ToWs), the P610e ( this ytatarw,tt nod to raise and corssparalng MWAL PERCENTAGE RATES may wry quarterly ard may room adaieas® based on the shed indices, as (cued In The Was Strew JoumaL pis tee margin pmvbsy disclosed to YM These. chapea will be ofedvern the W ;by d your brag pared coveted by Your psodc sialeoeN -WO in the rrpae or JaMary, Apra. Jd" and D=bW. c. atria code D 047" Prase), F (Monthly tJBW4.gf G (Treasury LIBOR) appeorson the (mast of YOW 51199n Wit read b the pedor& mis(s).te Pailaft Fdm and oorlesporcdinp AfFMA4L PERCEMA(E RAIES may vary mouthy are mey Increase or decrease based on the stated inisbes, as rand In The Wag Suet Janes, pas the nnag'n prevbusyd'isclwadoYOULThee' ' q- will be a#'odamon us first doy d'yorbwo period 6001 Montt 4. Assessment d LW&, Overleap ad Rat united PWMKR Feat Under the same of your c sonefq¢wrOM M raearvsDofight b WgM a not to asses Wee WOW prior not7oa)on b you wiloawdvng err right to seas to sere askrearb s ata liter lase. e. kmeroarellp Fee and RWWWNV YOW ACCOnN. t a ne rib"W des appears are this suaWrerM"will ores the fir if you request to cbeyour acoou t stihn 30 dye alts "robing N the MkwmnL YOU may continue o as us account daisy to 30 day pall bebuaYour MWNL It You eo not pays loges Deed on its account wCe in 90 hays, or g you taus your u-ea card a account star you request to owe, ay nenOasltP fee previously waived may be Msing byDraeceW. !BgtsN 8. Closing or Stien-ndh9 Your Account YDU WFinal, illing our Va[your account be dt tAt the avof Ctrsomar Reliable" Department. Ateire ayarnegtrest we will provide you with addaksol delhas on dosing Yea amount. The trey include pryrent ktwrniorL it YOU ore yorema cad oeharges post to youraccount daryou ask rte to dose Yours -IL via can keep yew account open a reopen it We my cws a suspend your account and your right to otaih orwX We may do Uns at any tine and bray racoon, even ryou am not n daaUL AstsPawibn IYour account an to permanent mtwrpaaY. If Yaraccountle Cued or suspended, you nuut slop milky' Your eredt card and a.DWt You "asl also cadet at p2eWewmd LMOV arahgerransa to theT=Mrt. We WE not do rte for You. IF we ens or pa'rataM suspend your actoWmt You must also dsbq as Credit awe aid account access cieeln You crud m pay all snouts you owe us on the a=ut even if thy tyre chortled a11seyolraccount a cbeed or suspended i. Me" Pryisnts. Payments you mall b us will be credited to yo raivut as of is business day M MCe*O L Provided (1) you said the I+aann portion of its Mab"rit and your deck in the enclosed rarriasube e1tvebp6 and (2) your paynat is received in our- processing career by 3pm ET (12 noon PT). Pere allow at leaal five P business dye for postal delivery. Pynrenb received by us at cry other beacon or in any cow form may not be award as 1110 clay M uahre ban Our oushm days are hlady tnlolgh 5. Notice About Elsdrone Check Conversion. When you pVd* a Check as payne'R You aWOrbx us ei w to use information fromyosrcheck to melts a Dre4te electronic Ind t ansforfromyourtbpoai account ato process the PWMt as a aleck trerWUGWI. When we Use INOmatlon horn you check to rnake, an elscooMC fund oansfa, funds may be weldrawn Front yw deposit account as soon as the same day We reoe" You PSYM Lad you will not MCC" you cneek book ROM YOW I WWMWl ksthton. YoturSUMIZOOM a not pumped by t,e dale M to eeddd. We tray rMJUbrt and ebdronkaly collect Mustard peymats. 9. Bankruptcy. I you am award to baNOUpicy protectors ra yo,r account, this it WAY for N*OmRWIW purposes, it he rict an am" to c3r6el, aseses or MCeyar a debt o- cekn Do not hero ary paymwts dire* to Ue wteLL spsking With your bankruptcy allwwy or Due Son"upoy C"L it you vml to coast ms aO" your account aysour beac'UPICY proceeding, pleasehave your attorney contact us. J-BL ING RI.,M SL M4RY (n case of ErMM ooassthore about your &r) If you Inca your 311115 wrong, a ryou need nnore Irilmnatbn on atransaction a bill, nwia o us on a separate sheet as soon as possible at Be address for imKwfes shorn on Use Front of Ueis etatar ll We mat hear bromyou no as than 6D dllnr idler wewtyoutofMbarm W*ht,eeraspobM appeared Yewcanerro CJslmw RoWasnnDaranO*mby afar a aebab, but daky sowind gewve YOurrighb. In your leper. giea to the forowig iNamalon: You rare and n um" nuuroer. the OAW Wrout of is suspected error. a tiescaptlasatloerrx and an sepla,alw, r posette, orvty you osleve Pere he an error, or ryou need note rubrteavr, a description or Ua rem you ae UMM aWtL You do not two to pay arer anount In qustnon what we am nyeUM" It DW Yom as aY oblgIdW to pay the pane Of your bar tat are not in %wali= Whao M investigate your question, we carrot report ,= as d si,quert a We any action blVlbdd the arout You ;I saoort r Special RueW Credit Card Paid - n you have a pmblernwith the quo ly of P'uPedy a services that you purchased Willi a -M* cad argil you have tried in good tail to coned the p UMM With 11w Insolvent. You MW eve Vase rlgt not to pay to WMW" smut ride an the property a services. You tam tee prebedon 0* when to Plichooa woe was rmrs Dan R50.01) rind the purchase was Tads or YOUr n slateawiNn IUDmssdyourmiMatldess.(avia Jyc or operate is MV10111. aawe "a" You the advertlrer arlfor to property a"rVic", are puchases are Wvlled regardless of anWa a baton of purchase) Please re"rarber to sign all correspondence. f Dow not spiny b 15 s"m accounts Capaal Ore supports sdortehon prvacy, protection. sae our' Waste at WWN, Capital ors is a MOM mobse6d service rre-k Of Capbe Qns Financial Corporation. All right eserved. 02008 Capita One YrrpabtNapw: P.gmsrtYaMbtealbedndldbyar?ar,taeaftebd,etednyrnnairelpa'dd (TjyuandM bean peYD,Clis-aeratae)Ur tfpdthtrariedmieosmftpsrd(Z)FW peesallereniWhtu P^?ydaer by3Pm ET(12-PT). Phsio limtbath dktduadphrPwbt deal". Paystwbnmiredby urd ayttwr-an aYdarfanrei'mtbsvttirdsdsdaymrottetm OLrbu*U dk6zmLtodWi-mg Se FdW,6%k tth°0lys Plo-Onuttwugke, pipardips, tic. MaepnePaktYarwtWaL 7910547 PMZULUNGER 300494 105 FDGELSANGER RD Date 12763 SHIPPENSBURG, PA 272579704 68-7270/z56o {ge by Septtnrber3o, zoo8 4o6o3os y? Pay to the VOID $ order of JANEZUWNGER Dollars cwww?x Richmond, VA Memo Purchase Check Signature 01 27630 1: 2 560 7 2 70 11:7 5 1000 2 11,399 2p' Just write a Capital One® Dear JANE ZULLINGER, Purchase Check! You have things to do. And now you have an easy, convenient financial tool to help you get them done-Capital One Purchase Checks.* Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fee! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. 40 Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest-rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay-less interest. Treat yourself You've got things to do...get them done with these Purchase Checks! to a night out Thank you for your time, 1 (1 1 A 0 ? Consolidate our bills y Sq P. Taylor Jamison Get cash for things you Director of Accounts want and need P.s. You can use Purchase Checks just about anywhere! Please remember to use them by September 30,2008. Want to transfers balance now? Calf 1-800-955-7070 orgo online to https. tmnsferbalances.capitolone.com/o ers. *Please see the reverse for important information about using these checks. 0 03 4 6 200494 JANE ZI)LUNGER 12764 205FDGELSANGER RD SHIPPENSBURG, PA i7257-97o4 Date 68-72701256o Use by September-, zoo8 40603-01 Pay to the order of VOID Purchase 7910547 Rich Memo Dollars Signature 11112764v 1:2 5607 270 0:7S1000 2 14 399 2p, r M 0 M r a M M m a m W O a a O O T c? O m a Z O 11 m a m O n n a m N M M 0 T a T Z D Z O D r Z m c 1 O Z C m Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out or just Q: What APR will apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR. or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information- 2) May not quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. 2008 Capital One Services, Inc. Capital One is a federal',y registered senice mark. All rigats reserved. 7910547 T M 0 M a D r a m m m a m m O D a O O T O O M a z O a mm LI n O M m m M M m 0 T O a T Z A Z O D r Z m -I y c O Z C m m z 0 O a m m x m a m 200510 Lock into a low FIXED rate and guaranteed FIXED monthly payments. EXAMPLE': Based on a Home Loan with a FIXED APR If you borrow $150,320 If you borrow $300,496 If you borrow $405,890 Your fiXED monthly Your FIXED monthly Your FIXED monthly payment will be $1918 payment will be $7.805 payment will be $2,405 . APR to( 8150320 lcan t Lpon approval, your lmu xnounl may "an based on your spedfic silumon. E. v plc monthly payments arc based on a fixed annual percemage rate. currently (:.1''X, xnX", 6.02°0 ,1PR for S3o0,496 loan woount and 5,89% APR for 5405,81u) l0ae amount. The fixed mand dy pafineats arc for thing years and require a good credit history and 80% combined Man-ti -ahm radn. In urme ryes, refinancing in par uN existing dept may cxu nd dm term t f the kin, p-ihh• -,ding in higher rrvcndl assts .,it iii-a rug the loud amrmnt paid when aun- cottent simatirm. panal k,)"." Cap`a- Home Loans Refinance with Capital One: Lock in a FIXED Rate that Works to Your Best Interest JANE ZULLINGER, You already know Capital One as a great credit card company. But did you know we also offer home loans? Apply for your Capital One home loan, and upon approval, use it for just about :anything ... make home improvements, consolidate high-interest debt, cover educational expenses or have money on hand for unexpected expenses. Or if you currently have an adjustable rate mortgage, you can refinance to a low fixed rate. It's your equity, and it's your choice of how you use it. Get a great FIXED rate on a loan customized to best fit your needs-from $20,000 to $500,000. And it's easy- Your Personal Home Loan Consultant will explain everything and help you through every step. Call us toll free today at 1-800-760-2493 for your free no-obligation consultation. YnuR REFINANCE EXAMPLE SUMMARY Example Loan: Low FIXED Rate Starting At: Example FIXED Monthly Payment: $300,4961 6.02% APR $1,8051 Loan Amounts: Tax Deductible: Persona( rlome Loan t-onsutianl: $20,000-$500,000 YES id--k with gar 1x eiew-I YES * Advertised annual percentage rate is effective as of 05/1912008 and subject to change at any time. APR is based on a good credit history, 5300,496 loan amount, 80% combined loan-.0-val„e •atio and a 30-year fixed-rate first-lien mortgage. Monthly payrrent for this example s $1,805. Addircnal -erms and mstrictiors apply. Capital One is an Equal Housirg Lender. See reverse for additional important information. 200510 Apply Today For Your No-Hassle Home Loan 2 EASY WAYS To KLbPU14U Call toll free 1-800-760-2493 visit capitalonehomeloans.com Mon.-Fri. 8 a.m.-S p.m. and Sat. 10 a.m: 1 p.m. EST Reservation Number: 5078 011 012 0990 7910547 f2r Home Loans I Mortgages Refinancing I Debt Consolidation LENDER ¦ Q: Is there an obligation when I call? A: No. When you call us, you are under no obligation whatsoever. During your phone conversation, a Personal Home Loan Consultant will simply help you determine the loan amount and terms that best suit your needs. Then its entirely up to you! Q: Why not just use my bank for a home loan? A: Capital One takes the hassles out of the lending process. It's quick and easy, and it's personalized. You'll have one-on-one attention from the same Personal Home Loan Consultant start to finish. A direct line and email to your Loan Consultant helps you monitor the progress of your loan and address any questions you may have along the way. Q: What property types are eligible for a Capital One Home Loan? A: We offer home loans for single- and multi-family homes, townhouses and condos. At this time, we do not offer home loans for cooperatives, manufactured and modular homes, mobile homes and commercial properties. Q: What types of financing does Capital One Home Loans offer? A: Capital One Home Loans offers a variety of no-hassle home loan products, including first mortgages, refinance and debt consolidation loans. our team of experienced professionals understands your situation is unique, so your loan solution should be too. Q: I currently, have an ARM (adjustable rate mortgage). Why would I want to refinance to a fixed rate? A: The best reason for refinancing to a fixed rate is security. If you have a variable-rate loan such as an ARM, your rate and monthly payment can go up at any time. The security of having a fixed rate that stays the same is priceless. Q: What if 1 am self-employed or have missed a payment? A: Whether you have perfect credit, less-than- perfect credit or have hard-to-prove income, we will work closely with you to try to find a home loan solution that bE51 meets your needs. Q: Can I get a loan with a fixed monthly payment? A: Yes. Capital one Horne Loans offers loan options that provide a guaranteed fixed monthly payment and rate that will not change for the life of the loan. Q. m em Capital One ome Loans require a A: Yes, the minimum loan amount is 520,000. Q: What information do I need to have ready when I call? A: Please have the following information available: • Your Reservation Number • The estimated value of your home • The balance of your first mortgage • The balance of any secondary mortgage loans • The amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply call us roll free 1-800-760-2493 Our Personal Home Loan ConsultanLS are available hlon-Fri 8 am.-8 p.m. and Sat 10 a.m.-1 p.m. EST. Or visit www.capitalonchomeloans.com Reservation Number: 5078 011 012 0990 Here's how simple it is ... 0 ? Apply Get started by calling us toll free, or visiting us online. Q ? Get a quick decision You'll know if you've been approved in minutes. © ? Next-day delivery All your paperwork is prepared and delivered to your door via next-day air or by email. We've made it simple by highlighting the areas for your signature. Ca ?. Home Loans Rare locks vary by product selected and are obtainable after underwriting and approval of the loan. Offer intended for qualified applicants only. Nor all loan preduets or terms are available in all sr m. The actual doting times may vary based upon the state in which the property is hicated. leans subjecr to credit approval. This does non represcnr an offer to enter into a loan agreement. Raps and terms subject to dtange without notice. Prndrrn and t<rvirer f ml fey Qpiml Onr H- l-, LC. 48 ?00R G pird are Qpirnl Orr is e fid-Z6, rr?irnm! tm?ir< remk..111 righ r -d. 7910547 Previous Balance Payrnenls & Credits FINANCE Transactions CHARGE New Balance --- Minimum Payment Due Rafe $1,524.84 - $45.00 + $16.07 + $718.98 _ $2,214.89 $66.00 ? -? --? Aug. 13, 2008 Jun. 20, 2008 - Jul. 19, 2006 Page 1 Of 1 r. a ,Y AT Oa, rns aroa Visa Plad"M Account 4862.3671-7843-7838 ?I Your Ac0ount Infomtadon TOTAL REVOLVING CREDIT LINE $3,500.00 TOTAL AVAILABLE REVOLVING CREDIT $1,285.11 CREDIT LINE FOR CASH $3,000 00 AVAILABLE CREDIT FOR CASH $1AS.11 Finance Charges (Please see remme for arlpodant information) Balance rate Perociic CmIeWoricing FINANCE WPhW ID rae APR CHARGE Pochases $1,678.63 003192%P 1165% 51607 Cash 50.00 0045WY. P 1674% S0,00 ANfaJAL PERCENTAGE RATE applied Us period: 11.x°/: Q At Your Service 14W40-16W Tocat 0,stonerR Was orb npA a bstw sbin Tad ® CaSOW payinents to: plml Or* D415A)M • P 0 Bx 708N • Qwtde. NC2W2MN A Send Inquirles to; CWt CBpdal D, , P P D D Bat MM • Sat We Qty. lR 8413801B6 ® Have a timSIOarr about a charge on y[wr statenrerlt? Plam refer b the Billing RL¢ds Sunmary on the beck of your statement or v,st www, atabne comkkMWes Payments Cre b 8r Adjustments 1 14JIL PAYMENT S45.0- Transactions 82 $68 2 11 AX THE MMdJIFJGS EAST BERLIN PA . 3 11 JUL JIMMY BJWJS WOOL 5305825530 FM 6622 M 4 14 At ART & ARTIFACT 8ON509A 10H S79B 5 14 AX EAST MEETS WEST BvPORI SHIPPEFJSBL P.G PA S13144 6 15 JUL HOLY SPIRIT HOSPITAL QUW H -L PA ODD 7 1TJUL CF'NMBERSBURGHOSPITALBILCFWMBERSBURGPA W 94 8 19.AJL PAYMENT PRDTECTLON 1888527-"'904 Whether Wul a in time marl-:et for a hrnme e4uty loan Or yahe interested n refinancing, CapAet One will find a hone loan S*tKn to fit yaw needs we afar great rates, no hid*n fees, and you will recom the one-onare attention of the same personal ban co Rant from cat to dm Vlst ww+v. oicitalonehorrmloam can kx more nfOmnatian PLEASE RETURN PORTION BEIOW WITH PAYMENT OR LAG ON TO WWW.CAPITALONEiCOM TO MAKE YOUR PAYMENT ONJNE Ca?aiJtal?Ze what's ?•^. yrxrr w'allrt7" 0 4862367178437838 19 2214890045000066000 New Balance Minimum Payment Due Date ( $2,214.89 566.00 Aug- PLEA SE PAY AT LEAST THISAMOUNT Amount Enclosed Capital one Bk(USA),NA 'rlrr?rt?r?rr?r?m??rr? P.O. Box 70864 Charlotte, NC 26272-0884 7910547 Irrimurrirrrirurni,mirmrrrltmitim,ittiniimrittirrnmrtu Account Number: 4862-3671-7843-7838 Piem print address or phone number donges below using blue or blade ink Home Phone Alarmare phone £-maaaddmff 9 - #9020207260269632# MAIL ID NUMBER JANE ZULLINGER 105 FOGELSANGER RD SHIPPENSDURG, PA 17257-4704 Please write your account number on your dieck or money order made payable to Capital One BkWSW A and mail with this coupon in the enclosed envelope. 0 p Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the &ante-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call s-877-476-7939- Previous BaWnce Payments & Credits $2,214.89 - $66.00 500023 FINANCE Transactions New Balance Minimum Payment Due Date CHARGE F + $3 2.03 * $1,794.20 = $3,975.1 $475.12 Sep. 13, 2008 Jul. 20, 2008 - Aug. 19, 2008 Page 1 of 1 Visa Platinum Accourt 4862-WI-71110-7838 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 Rnanee Charges (Please see revise for imporW ghprmation) Bala ce rate Pe-'Ndc Cormspordirg FINANCE applied b rate APR CHARGE PwXoase3 S3A6.55 0.03192% P 11.66% 53203 Caste SO.00 011455'. P 1674% $0.00 ANNUAL pH2CENTAGE RATE appNed This period: 11Ji5X J!Vh O Al Your Service- Go brwwr.c®ilebroaxnb nurW your ammr4 or Cal I-800.M30 b report a batorsbbn cad or smak to Qvexw Rebuous 0 Pry Mined wwwomodebracoriT rnalyour pWT&t b: Ceplal Ore Bank (l NA - P.O. Bar 70884 • awtft: NC -0884 Capid Ore• P.0_ Rmk 30265 • Sal lake Oily. LIT B4TJO CM rSASE NYX (FAST PUS MW4O Payments Credits&Adlustments 1 08AUG PAYMENT S65.0D_ Transactions 2 22 JLJL _ LYONS & COMPANY CHAM3ER5BURG PA 537.50 3 22 JUL LYONS & COWANY CFWMBERSBJRG PA $ 38.OD 4 24 JJL LINO FOOD #061 SHIPPERSBURG PA S163.08 5 25 JJL TOYS R US #MlB HARRISBURG PA $7265 6 28 JLX BED & BATH AFFAIR LANCASTER PA $33115 7 29 JJL MOLTS POW7t EQUPMENT PA 5156.73 8 3D JJL THE YARN BASI(Er CHAIA3ERSBLJRG PA S16D21 D 30 JILL TARGET 0OD22418 CHAhB:RSBURG PA 554.50 10 301LL .ION'A1 FABRICA0495CFWd3 RSBLRGPA S70.10 11 31 JUL CHILDP.ES WEAR DIGEST SDD-242-5437 VA S70295 12 31 JLIL TG'CASUAL 1-1040 USA 800-466-0440 FL S700.9D 13 31 JUL THE VICTORIAN CORNER SHIPPETJSBl1RG PA $34.73 14 04 AUG SLPPLE BEVERAGES 856-219591 CO 5114.90 15 05 AUG WJT FOOD A051 SHIPPEHSBURG PA 5118.69 15 05 AUG Shopbn'KAm 8055478368 CA S62.65 17 06 AUG AT&T W126 t£0D CHAMBERS3URG PA S84.76 18 08 AUG WAL4MRT 03%SHIPPEt'MURG PA $70.36 19 11 AUG TJ MAXxt1889 CARLISLE PA $W.68 20 12 AUG CVS PHWWAACY 05725 403 SHIPPENS& RG PA $39,93 21 13 AIIG SW SHAPE HAIR DESIGN SHPPENSBLIRG PA S110.44 22 19 AUG PAYMEW PROTECTION 1-88BS27a'J4 S382 23 19 AUG OVERLIMT FEE AUG 19,27J8 S39.00 ® Have a question about a duage on your statement? Your acco rt has gone over its credl unit To amid adMional overland fees. phase pay enoAh to brlrg Please refer b re Billing Rghts Slunmary on the back of your you balance below your aecit W inmedalcV, and make sure you remain below your aedt bnt statement or visit www kaoihabie 0orn1cwAft Please be sure b account for any We purdwes, fees, acl fiance darges. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VWvW.CAPLTALONE.COM TO' MAKE YOUR PAYMENT ONLINE. 0 4862367178437838 19 3975120066000475124 Cap?J?fJC 1vhaY5lnynurNTlNt Account Number: 4862-3671-7843-7838 New Balance Minimum Payment Due Date Heave print address or plane nrnber duarges below using blue or black Ink. $3,975.12 $475.12 Sep. 13, 2008 Adatess 11EASE PAY AT LEAST H&W Prlyix /yFte /fvm TENS AMOUNT E-maAaddvess Amount Enclosed ? N9D233D7260269637rY NAIL ID NUMBER JANE ZULLINGER 105 FOGELSANGER RD Capital One Bank (USA), N.A. SHIPPENSBURG, PA L7257-9704 7910547 CP. * - Box harlotte70NC428272-1168q I'1'r111'I'lll'1111111111111""q'I'I"ll'1111'Ill'11119'11111 11111111111.IPllhl'111111111Jill 1110111111.1111111111111111.11 Please write your amount number on your payment made payable to Capital One Bank (LISA), NA and nail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: 1. Grab copies of your other credit card or loan statements. z. Then, grab your Capital one balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-877-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure tht total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! I. Fort to Avon a FYnrrce Charge. a.Crace Period. You we have a Rw*mmgnoe 25 days wlroul fi shcrt days on new purch other tree it it you pay " purchases arld n firer ch drrges Yea peY yartotwel'New Batan°e^ accordance WDt i0 import" NobW for pay bebw, and In Ile for Kb be traded by yourpay due data There a ho gnats period ah cash mJY and special trarefers. In addition, there is no 9 - Period to sited Indices, as head in The Wall Street JO-910L period on any transaction IF You do not pay the 'New Bdro." b. Accruing Fiance Charge. Transactions Wnich subject b a puce Period as 110400041 rkence trantedata dthetransaction m2)I rnma trawecton is processed to Your Account Or 3) find calendar day of Via, Crnnl b" Period s you did not pay gs'New 8"W from to tailing period n fun, raw" charges wrib'na o yourarhGsd bafeK7lk'at the owed balance Is full This mats gel You may still orre esue even rycu pay toads New BWros front d your selemeni by the payment due dela. not do soforfa pmvbs moan. unpald trnc?s ere addW toga appecablesegmenldy0W . c. Rini naa Fnsin a Chrga Fa aeon being your account is srCpct b-rMIDDchsW. a total flNNJCE CHARGE dtG.5Dwt1 to ilpas d. Temporary Reduction in Filets Clerps. WO the right to not 03410a ay Of d B"nol degas given ban podod- 2. Aaeraps Dab Balance Q New Finance loupe is =bjkftd by magyng the der balance teach seg•rert dydraccou t(e g.. advance, purchase, special transfer. and special by the wtasponag duly Periedlc ra")met has imayronsy dbobeed byat At the end leach the bYag Period. We apply Via dab WiNW rte sapmwt dyera a=unt b IN dab balersd segmwf. Then tto and dthe boiling Period. war moresultsofftwdaily Oaculli stoarrivety pea,dbflrerta cegefors b sgme t. we acrd sus from earn segment to. amble atto WU rnah s chmp for your account. To got gas day each aagnert Or your 80W War eke Uhe h?neeforown spent cal add any rewbas and any ppbaot wm Merge calculated err tie dayy balance fa Itsit segRYM. We ten subbed prym, fs mcn ills posted as d rot day that ere b tret asgrolt. This *N us Do separate claiy own segment of your aomuriL HmuraW, It you Pa New Bafence shown on your previous statement in your rew balace was Zerocra credit amount), Uaneactlors, which postb Your Puictese a purchase segments all rot added b the day be calculate U*OWS edab blue by adding all balances fvg*w and dreg tle sun by tw i the days in its cu"mi tong cycle. To calculate (name crepe. mrKpO' your wengsdab daily Waft rate anti by 00 mrrtw of days In period. Due to rourov on a basis ordw to rname charge seem enk hen may be a vad j mr,Vate cactlehort and the amwM fir beb acaay assessed 3. Annual Percentage Rates (APRl P of a. Th. tam "Annual Percentage Red' may appear n"APR" arses, new on Us free d l•is aeteme•ht eve o. K the Ate P (Qnrtay Pnme), L (Cwnay IJBORR C ,n r?qury Cq. OrS@aracmd Phsrr)eppeare w oetont naha duet staternat mdblhe periodic, retinal the period. mwa rates and corrsspording ANNAAL PERCENTAGE RATES arrow may very 9aaledy and may increase adecrr se based oft pan tie margin pavbos e y disclosed o you Vase. cm the find Uy d your billing chergrpa will be ere not period covered by your padwlo slWnant ending Be olreye 1) mash. of January, April, July and October. rite the c. if the code D OAY" Prime), F(baring LHK>R), a0 Yomhthe CTresay LIBOR) appeascn to rot d Your statement Arntloraly, raid b gar periodic rete(4 ch. Prod'c Mb" and previous comMondsg ANNlAAL pEltCENTAC,I: RATES May MY CCna to morthy and may nereasea decrease lased ontae stated path Indbes, as found in The WS Steel J=TAL Pts0. clnags, .. ogn previously disclosed to you These change wile be frdlosladon the efecgve on the fat dap oryolrbirng Period each rraWt out did a. nasaanant Of tale. ov«Imt ant RMurne'd PWIMW cage Fes. utdergne tems d yaw crsarrr agrtrm MWe Ac'ourt reveve, the ntghl to ware or not to sees any fees without K petbd an prior notification to you without webing cur rght to assess rrrrnum ttasasdaYdWMWtakW". d. S. fee nog shp Fee end Raaeirq Your hswnR t a reserve membesMprw appws o3 to slatenronl. sews credit IV any fee K you requestio cove your eonoefwafan 3DdWs dine ma'ing of this statement. YOU may cretins b use gar Phrdeaes). account dung the 3D dap pared bloc Your MPINFL K YOU By m not ray all charges awed On this eraurtWith in gO days, earn or ryw use your cedt card or accent aar you ?l to prbh.se) Clow. any MwWws* fee previously waived may be, beer reiristebad to Your account day' during 6. Closing or Swpwrtrt9 Your Account You may 10%" Id each that your account be timed by calling a twsg our each Cuelon,g,Reletaa Department At to limed your -W-L add up we win provide ym"h additional notes ph closing Your our accpaa. This ring include payment eKan'don 9You use Lip as youraede card a charges post b Your anoout dMYo+ ask periodc us to cos your s nt. we can keep your account open or k orate for reopen K. We may close a suspend yw account and you thegrvwq no to obtain cmadd. We may do DO t any tee and is any sticas mason, wen Kyou a a not in ddalt. Asuspsabh 7f you previous so-"can be per grant atemrgaay. If your amount is ay cbud asuW%1n , you met top wing you Credit Cad allocated and asouk YOU must also cancer all puseulltalzed MTfng belacefor arahgarens to the aaaut We war not Oogms for you. K id the we cos a pa naaMy suspend your account. you must full na a also destroy ail credit cards and 8000ea access Clacks. You new at$9 pay d amounts you eve us on the noccurt. want m speael they hen charges aura your accouf s closed a alss. We suspected. tre dab 7. Nbkkg Paynads. Payments you MOM b us tea be credited azrtwIf toyer account as dtheMdreas my ore rely" t. gar oral pwided(I)you sad Do bottom portion of this selemst batence by the arid your check In the WW"Od h milbil wen envelope and (2) the bwm your payment Is raceived in err pncceskrg crate by 3pm ET mnkam (12 noon PT). Pew allow t ked rare, 0) haleness days Tor ate postal dOYW. Pwmsws recefrod by us at any COW rrallCe Greve location orn any dnerform may not be ceded 0 131 the day We MCOW than our pu sass days are haWy through turday.ezcludhgndoay_s____. t4 Notice Abort Electronic Cheri: Conversion. When you pwW a check as payna,a. yw arttoue us eiher to use i formelion fmmyarcheck to make a ors-time electronic fund tranefer fmmyour deposit account or to process the paymef as a dheClc barsactbl When we use kfdrmaton from your check to make an maceomr fund tender. Funds may be wiKprawnfrom your depose account as soon as ga sane day we receive your Wriont and you we not PxeNe your CVCK NWKfMM Your WdMlW irosaion. Your authorization Is not gmied by the data on the curie. We may it6aCrta std adectr?nk'aN collect netund plarments. 9. Berleuptey. K you are stilled to baanrplcy p rledom for yoi account, this com urwahon is only for aeomitio•al purposes. It a not an atempt to collect, assess or newer a debtor claim. Oo not send ary payments directly to us w10a4 speaking Wigr your Lmnkrptcy dlansy or the BaastptY Court. K you wet to contact us amut your account ayo r baMaui&Y poceedktg, pease, have your atafey contact us. tBI WNG R13tTS SUMva4RY tin casd rmors or CAWr ors about Yam Bp ryou think your eel Is Wmrig, a KYaa road more bfomsdon m a transaction or bill, wile, to us am a separate areal as soon as possible &I Via address or inquiries down on the fat of this saterten t. We marl hoe trom you no Rlatlldl IND drys after War sent you to Ikat 611 on Madrthe aura pntlrn appeared. You can cat omrCustmw ReMors n under ormNy us by ar al or webaNe, but doing sowiitnot persene your rights. In your letter. give s the fotOwig kaortrotiom your nerve and accourtnnyer. VW dollar amount of to suspected 0=. a description d the seer NO an exploration, K possible, of why you beaus tree's an error, or t you meld more ktomdND% a description of Us lam you are usus abort. You do not have to py hey arced In geamort Whet ere acs Investigating t. out you an ass oblgaed b pay to Pas of your bill tats a not in question. While vra investigate yawquseUon. We cant report you as delkrAwt or take ary action b mlled the amount you question. t Special Wee for Cued Card P.rdoss a you have a problem with the quaky of p .,mlyy or semioes gatyou prsdssed wen a was cad and you have tried in good Taih to coned the mOM-r with the rrerchOM, your Hilly have gas right not to pay the mm* ft amount due on to popery or services. You have t'ae protection only Man I ho pureness puce Wes more than $50 00 and the purchase was made n your home sass aWithin lOD mils d your mtilrg address. (f war own or open go ms'clat or Kwe nailed you I* advertlemrutfa the property or services, all purchases ace ccomed regardless or amount a location or purchase.) Please rrrwMar to sign d correspondence. t 0099 nora"b bLLdness i anoun Capikt one, Supports kftffmtiDn privacy protection. sins our Cq" Fl One Coris a poration. A g AN rregistered ights Vaen ?ed 022 2008 Capital Cm i pabeNeta: RMeat)w mglo fabeaedledbyovaocvtsdtsbsihsxdrwene e;fswidrdMyWo der br.8an paaatd sisstffirsf adlar deAfi testiadreeilemeradpad(gyarpaTeat'srvrundfi err PoomrigamM by3pra ET(YLrtoanPf). Plaasowdptaw(?brisadys krpabtdsnry. papetetsrasiwdMaday drbofmafi a'Ydsfmn me/rd bacedledasdladsrwsrsodwlhear QrbuiesdssaeRl*dYtsw4lSardai eudtrdnDts?la Pk®edo raluae`?'+PrPa dos alb hixhPnpekgYSPeAtma, 7910547 JANEZULUNGER 205 FOGELSANGER RD SHIPPENSBURG, RA 17257-9704 Purchase Check 200494 12765 68.727012560 40603-1 %y to Me ordeerr0 of f JANEZULLINGER VOID Dollars G Richmond, VA Memo Date Use by October.;; 2008 Sienature n'i27650 r:25607270it:7510002i43992tt• dust write a Capital One' Dear)ANEZULLINGER, Purchase Check! You have things to do. And now you have an easy, convenient financial tool to help • you get them done-Capital One Purchase Checks.* Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fee! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Q Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest-rate credit card and loan special balances. That way you could have fewer bills to pay each month. Plus, you could someone sp wayless interest. Treat yourself You've got things to do...get them done with these Purchase Checks! to a night out Thankyou for your time, 0? Consolidate your bills P to""4A P. Taylor Jamison Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by October 31, 2008. Want to transfer a balance now? Call 1-800-955-7070 or go online to httAS://fronsfer6alances.capitalone.com/o ers. *Please see the reverse for important information about using these checks. 40603 200494 ANE ZUIJ.INGER 22766 205 FOGELSANGER RD Date 68-727012560 SH IPPENSDU RG, PA 17257-9704 40603-1 Use by Odobrrj; 1008 Pay to the order of -? VOID $ Dollars Purchase Check cb? 7910547 Richmond, VA Memo ry12766"a 1:2560727011:7&bCW0I?I 3M%IV mm D 9 M N m m O D D O O T O O m M 0 D VI m 0 S to y m D o N ?. ' M* < D AM o m T O N D D T ; Z 9 Z O (? D 'D N r ? Z Z Nj m ?m c r y 0 o? Z y C = Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope- Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out or just Q: What APR will apply when I use these checks? want to have cash on hand. Another way to use your A• You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information- 2) May not quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due o- in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. C 2008 Capital One Services, Inc. Capital One is a federal'y registered serv'ce mark. All rig^ts reserved. 7910547 T m 0 m 9 D r 9 m N m D m O D 9 D O T G7 O M 9 Z D M O n 0 a m N M m a T O 9 T Z D Z O D r Z N y c -1 m No. 0034569 200512 COIIpIWj Refinance offer for: Home Loans JANE ZULLINGER, YnUR REFINANCING EXAMPLE: First Mortgage: FIXED Rate: FIXED Monthly Payment: $300,4961 6.65% APR* $1,929' No Hassles From Call To Close. Your Personal Home Loan Consukartt will lianole tvcrytning. Call toll free: 1-800-760-2607 Or visit www.capitalonehomeloans.com Mon -Fn. Sam-9pm: Sat. 10am-1 pm EST Reservation #: 5088 021 005 1884 Dear JANE ZULLING ER, We're impressed with the responsibility you've shown in managing your finances with your current Capital Ones account. So much so that you've been specially selected to apply for this offer to refinance your mortgage with us, and lock into a FIXED rate while rates are still low. Refinance with a Capital One Home Loan. Lock into a low FIXED rate and guaranteed FIXED monthly payment. EXAMPLE' : Based on a Home Loan with a nxea iwm 890 $405 7 if you borrow $150,320 If you borrow $300,496 , you borrow 11 Your FIXED monthly payment will be $979 Your FIXED monthly payment will be $1,929 Your FIXED monthly payment will be $2.606 Upon appnnal, wutr Lunt amount nor tart' Iawd rat your specific.ibutitm. Exaniple mtathly paymtots arc hay d nn a fixed annual percenapee rate., uurmlly 6.79'x. APR ror $150-320 SI a goal credit history and loam amatm, 6 6576 APR for };00,496 loan amatnl and 6.65% APR for 5405,890 two amount. 'the fired monthly payments are for thirty yyeraars and require W cotnhined ban4o-alue raft in some crsm refinancing to pay off existing debt may caend the term of the tied, possibh, resuldng in hftjher overall costs and increasing the total amount paid when compared to your carman siorxMm. WHY REFINANCE NOWT' If you already have a fixed mortgage, refinancing to a lower fixed rate can reduce your monthly mortgage payment. Or if you currently have an ARM (adjustable rate mortgage) or are making interest- only payments, upon approval, refinancing to a fixed APR gives you the security of a rate you can count on to stay the same. • Low FIXED APR starting at 6.65%* • Consolidate high-interest debt • Lower your payments by an average of over $250 a month' Don't Lake any chances with your interest rate. Call us toll free at 1-800-760-2607, and well work to help you refinance to a low FIXED rate. Your Personal Home Loan Consultant will try to find the best solution to meet your needs. Sincerely, 1 W. Jow Pat W. Johnston Director, Capital One Home Loans 2°°5'2 Apply today: Call: 1-800-760-2607 Mon.-Fri. 8am-8pm; Sat. 10am-1pm EST Visit: capitalonehomeloans.com Reservation Number: 5088 021 005 1884 ' Adverrised anmal. percentage nee is Lftwive as of 06/23/2008 and subject nt than a at any time. APR is Rased on lyric i credit history, 5300,496 loan amtsum, 80% e,nhincl loan-to-val- ratio and a 30-year fixed-rate first-lien mortgage. Monthly payment for this example is 31,929. Additional terms and restrictions apply. 'tower average mondrty payment claim based on first m nadis payment on non-purchase Batts, exdusive of closing costs.. that closed between 1110112007 and 04/30/2008. Actual Imo. payment may vary. Aeflo3ndng to pay ofr'ousting debt nay zaend the term of the debr, possibly ruulting in higher merall costs and increasing the total arnuwn li aid when continued to your aurtent sirwtion. Capid One is an Equal Housing i.cndcr. Scc rcwm for additional important inforrrarion. 7910547 112t HOME LOANS I MORTGAGES I REFINANCING I DEBT CONSOLIDATION LENDER Q: J11sthheerree Naannobbirigation when I call? A: No. When you call us, you are under no obligation whatsoever. During your phone conversation, a Personal Home Loan Consultant will simply help you determine the loan amount and terms that best wit your needs. Then it's entirely up to you! Q: I currently have an ARM (adjustable rate mortgage). Why would I want to refinance to a fixed rate? A: The best reason for refinancing to a fixed rate is security. If you have a variable-rate loan such as an ARM, your rate and monthly payment can go up at any time. The security of having a fixed rate that stays the same is priceless. Q: What types of financing does Capital One Home Loans offer? A: Capital One Home Loans offers a variety of no- hassle home loan products, including first mortgages, refinance and debt consolidation loans. Our team of experienced professionals understands your situation is unique so your loan solution should be too. Q: Why use Capital One for a home loan? A: Capital One takes the hassles out of the lending process. it's quick and easy and it's personalized. You'll have one-on-one attention from the same Personal Home Loan Consultant start to finish. A direct line and email to your loan consultant helps you monitor the progress of your loan and address any questions you may have along the way- Q: What if I am self-employed or have missed a payment? A: Capital One offers a full range of products. Whether you have perfect credit, less-than-perfect credit or have hard-to-prove income, we will work closely with you to try to find a home loan solution that best meets your needs. Q: Does Capital One Home Loans recuire a minimum loan amount? A: Yes, the minimum loan amount is $20,000. Q: A: Q: What property types are eligible for a Capital One Home Loan? A: we offer home loans for single- and multi-family homes, townhouses and condos. At this time, we do not offer home loans for cooperatives, manufactured and modular homes, mobile homes and commercial properties. Q: Can I get a loan with a fixed monthly payment A, Yes. Capital One Home Loans offers loan options that provide a guaranteed fixed monthly payment and rate that will not change for the life of the loan. What information do I need to have ready when I call? Please have the following information available: • Your Reservation Number • The estimated value of your home • The balance of your first mortgage • The balance of any secondary mortgage loans • The amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800-760-2607 Our Personal Home Loan Consultants are: available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-1 p.m. EST. Or visit www.capitalonehomeloans.com Rate hxks vary by product selecval and aze obtain ble aver undet-icing and approval of the loan. Offer intended for quaGfird applionrs nnl}c ?Inr all Loan PnAn- nr terns arc available in all starts. 11, aental dosing rimes may vaq? haasl upon the stare in Which the property is lutatnd. Loans sv6i-t to credit aPPttsral. Itois dues not represent w offer to enter into a loan agreement. Ptnducm rates anal terms atbjcct to d-nF wirhottr notice. Pmd- and _- afford 4 Capital Ohre Haut Laons, LIE. e9 2(X)8 Capital O,><. CiPhal 0- it a edrmlly rroitrrsrd mace (nark. All rigor. rrrrnrd CaP?Xft.. Loans 7910547 Auto Loans I Banking I Credit Cards. I Healthcare Finance I Home Loans I Personal Loans I Savings I Small Business FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,214.89 )- ` $66.00 * $32.03 ?* $1,794.20 $3,975_12 )$475.12 Sep. 13, 2008 Jul. 20, 2008 - Aug. 19, 24¢8 Page 1 of 1 \ Visa Platinum Account 48624671.78437838 Your Account Information TOTAL CREDIT LINE $3.500,00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $000 Finance Charges (Please see reverse for important nbrmalmn Balance rate Parodic Cmes(wndg FINANCE *Pkd b ate APR CHARGE Purdesas 53.23555 003192%P 1165% 53203 Cash $000 0045M P 1074. $000 ANNUAL PERCENTAGE RATE appkd rtes period: 11.65% &- AtYomuService -GobwmawitebrecarmbMWEGRYow3=wR u aCdt 1.80M" b reyat a rA a dubs cad a SpNk to QJSbner Rabe= V Pay online at xhw.caoRebmaoomaMail yowpwre•ab CgAd One Bait W), NA• P 0 Bmc 70854• Qwbtb, NC 28712-M ® Send hNiukies to: Qp7al 0-W P P 0 0 B. 30285 • Sat Lea CYP. llT 841300285 P,iASE PAY AT tDST DIS AMOL6- Payments, Credits & Aclustments 1 OB ALJG PAYMENT S6600. Transactions 2 22 JUL L a-Z & C WXH Gt hBERSBLlRG PA 537.50 3 22 JLL LYOr S 6 CtOMPAPJY CH I&ERSBURG PA 538.00 4 24 ,ILL GYNIT FOOD #061 SAPPEPJSI3LRG PA S163.08 5 25 JUL TOYS R LAS #8318 HARRISBURG PA S72.65 6 28 JIJL BED & BATH AFFAIR LNCASTER PA S33.86 7 29 JUL MOLTS POWER EQUIPA£NT BOUB22280 PA $15673 8 30 JLA THE YARPJ BASKET CFWr JRG PA S16D21 9 30 JUL TARGET 00022418 CHArrBERSBURG PA S545D 13 3D JUL JOAJ•N FABRIC 0495 CHkVBERSBURG PA 57010 11 31 JUL CFBLDREPIS WEAR DIGEST 804242-5437 VA 510295 12 31 JUL TG'CASUAL UVE43 USA &0-465-9440 FL S10D.90 13 31 JUL THE VICTORIAN CORNER SHIPPETISBI.RG PA S3473 14 04 AtJG SUPPLE BEVERAGES 866-2195371 CO S114.90 15 05 AUG GIANT FOOD 1061 SHIPPEMBLRG PA S118.69 15 05 AG Slaptn'JdEalonWVA78368CA S6205 17 05AUG AT&T W125560 CHA BERSBURGPA SB475 1B 08 AUG WAL-MART L5358 SHIPPENSBl1RG PA S7D.36 19 11 AUG TJ MAXX #858 CAPoJSLE PA $89.68 7a 12 AUG CVS PFW MCY #5126433 SHIPPFPJSBURG PA S3D.93 21 13 ALJG SHIP SHAPE FAIR DESIGN SHPPE-'ISBURG PA 511044 72 19AUG PAYMENT PROTECTION 1MB-52T- 904 S39.5B 23 19 AUG OVERLIMIT FEE AUG 19,,M S39.00 ® Have a question about a charge on You stibmerdl You axount has gore over is oredt knit To avoid addhonal orerient tees, please pay enough b big Pease refer b the Biking R#b Summary on the bwk of ymr your balance below you m did Imd mmedately, and make sure you reman below your aedt kmd stalemert or vsd Please be sire to amount for any fjtxe Purchases, Les, and fence charges PLEASE RETURN PORTION BELOW W ITH PAYMENT OR LOG ON TO WW4V.CAPrrALONE.COM'rO MARE YOUR PAYMENT ONLINE 0 4862367178437838 19 3975120066000475124 C,ajl!Wo ne- what's,n;,wrwan.n Account Number: 4862-3671-7843-7838 New Balance Minimum Payment Due Date Please print address or phone rnmber dwK;es below uvng blue or black ink C$3,975.12 $475.12 Sep. 13, 2008 AWIM J PLEASE PAY AT LFASr Nome Phone Aftemete Phone THSAMOUNT £-mar7address o Amount Endosed #9023307260269637# MAIL ID NUMBER JANE ZULLINGER 105 FOGELSANGER RD Capital One Bank (USA), N-A- SHIPPENSBURG, PA 17257-1704 P.O. Box M664 Charlotte, NC 26272-0664 7910547 llldlnm•Irllhl•IIII1NNIhIhu41Pkl•d•I•I1PI•ullrll Please write your account number on your payment made payable to Capital One Bank NSA), NA and mail with this coupon in the enclosed envelope. (? p Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance 00000) 500023 transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-877-476-7939- FINANCE Previow Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,975.12 - $189.00 * ( $38.56 )*? $39.00 - $3,863.68 ] $115.00 Oct. 14, 2008 Aug. 20, 2008 -Sep. 19, 2008 Page 1 of 1 n,r -er rr,¢t ros Visa Platinum Account 48623671-7843.7836 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse fa important idormalion) BaWnce rate Pe•iaic Cwrespanirg FINANCE applied to rate APR CHARGE ?uchases 53,896.64 OA3192% P 11.65% 538.56 Cash $0.00 OA45BOw. P 16.74% 50.00 ANNl1AL Pt7tCE74rAGE RILTE apprred tlsB pciort 11.66% O At Your Service -Golowmcr bnsmm b-ndwlpdr &=A or Cat 1-MW3637 b report a but orsbMr cad or spank b Oustxw fteL9ias 0 Pay Online d ormei1prpWTPtb. •?I? Ore Banc (113A), N.A. • P.O. Bx 70884 • Clot b, NC A Send irgrtrles f0: Ceptd Orr P.O. Boot 3112&5 -Sat We Cult UT 841304M ® Have a question about a charge on your S13bu ent7 Please refer b the L11iug Rights Summary On the back of your statement or visit www kaoitalme.conrdaus0es Payments Credits & Adiustmetts 1 19AUG MERLIMITFEEADJU5TMENT 539.04 2 08 SEP PAVE 1EP1T S150.O0- Transactions 3 19 SEP CNERLIMIT FEE SEP 19.2X6 $39.00 Your account has gone wen its crecit lent. To avoid afthoral overknit fees, please pay enough to brarg yorr balance bebw your oredi knit irnmedately, and make sure you remain below your ksedl firmL Please be sure b account for any fulue prrdeses, tees, and finance charges. Are you inwesied in reffinano rg you current mo tpp? Coolal One can help. We diem great roles, no tidden fees, and you will re a +e the one•awwattentiion of the same personal lean giant from call b close. Visit www.capilabnehornebans.wm for more ir1wralion. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO vIMAMCAKFALONE.COM TO MAKE YOUR PAYMENT ONUNE. C.~Ov,I ,harstnyaurwallet7' 0 4862367178437838 19 3863680150000115009 New Balance Minimum Payment Due Date $3,863.68 $115.00 Oct. 14, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Endosed - 7910547 P. it BBox07066ynk (USA), N.A. Charlotte, NC 28272-0684 II?It11u1JPIIlIr'IIIIIIIIIIhIIIIIIIIItLI'II'I'IIIII'IIIIPLI Account Number. 4862-3671-7843-7838 Please print address m phone number charges below using blue or black ink. Home FhOM Alternate R)one bmsrT dd&ru #9026407260269632# MAIL ID NUMBER JANE ZULLINGER 105 FOGELSANGER RD SHIPPENSBURG, PA 17257-9704 hlt?rrlhhllrrllllllhllr?l41lhhhl?dulllPdllu..qul !base write your amount number on your payment made payable to capital one Bank (USA), NA. and marl with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: 1. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Wrile in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-877-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the fetalo€yw Uansfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! w-, 19 1. Hoe to Avoca a Finance Chaps. e.l'aaw period. You wN haw a minimum graoe period of 25 days Wifeaa fierce C116-de on nee purchases, new tmhraz transfers, new special purchases and new Waf eangn d you pal' yowtaal "Nee Belal"W, in awormnke WN1 ins Irtporert Notke (Or PaYmwuts below, and in tarn for Ito be credited by your pynard dos date. Thera b no praoe PKW on win advances and special transfers. In a*WA^ Uwe is w grew period an any Vneacaan 9you do not Pay Use tOW tccrr boa„ b. Accruing Finance Cbrps. Tsnsaaieris wh"scn era riot subject b a Vace WW are assessed awnw Cheyo 1) trorn, tha class of thelnfWClion or 2)rom90 data the bwwadbn le processed to yaiAecaaa or 3) Mn the first cawnmr day of low current Mft period Antibrway. I you did roe pay If* "New Balar,w' frannto poviow uafg period n full. Itasca d,rges co fi, * to acme b your uVald oalaoe Wall taw unpaid balance is pap in ML This row" tint YOU trey ON owefianw dwgw. even rym pay lie wtira New Batmaa td"raw I M ms front d your alatanrt by Use payment due dob, but did not do so for Ve previous nvM. unpaid final" charges w added tobwaopliNbw $69"M Of YWAe c. hianum Finnan Clangs. Forasch dig P WW Ire yoo aCw" is deject to aaanw drape, a Iftanfn total FINANCE CFI RGE Of TO.50 WE bs inpcssd. d. Ternpormy Reduction In Finance t7wga. We weave in, dgM b nut Nissan any or 1,i ita,ce charges fu' dry *an blft period, 2. Peerage Dab Salanw (Ictndtq Now Radars). First" Cralp/ IF ,°sy "°^^n by m llpytgiha dally, balance leach sog-reftt dyo rMmu t(sg, can advance, purchns, special tranoW, and No canapordtg days Perio " raft(e) that hiss beel h PMbU* 4MIC400441 to you. At tne end or each day Mind the dig period we a" an dab "MM rate for a-1r sag"writ of your account se &T Than at the and am daily -1 - " ig PNkAweEWuP Use results OF these dally GEL-dm "loo arrive at YOM pwbacam" -" bran NWO We And LIP #0 results (torn earn "Went to lurwe atraw" periodc fnace claps for ycwa=UnL To got Use daily LOIWM for sadlysegnertdyoursocoWa,eretabtinsbOo I - baYnw for each sevront and NO any WN WMMCUDM and any perlodl 111arm ctaw calcuawd on Ica Previous day's balance for lind newest. Will Ian mead dry paprrants orcrarltapaved as d bast day bat am allocated to that MPTOM This Om us Use sepamde daily bokgm for each segment dyer WOMIL HMWW, Iyou pap tie Nov Balance sham on yea previous sbllerrert in hull (or I ymr raw balance vet zero Ora eredt anon t), row U&rMCU". Which e purchase sepnanb we not added btha day balww We cOMM tMaiwgs day baterW by adhg sal Itw dab barnws Wg*w and dwking to am by to nardw of nw days in low curare bldg cycle. To cabWbyortotal rnorceclaw,fKd4*yawwmwdwba" by the day perbde rats and by U,s nutCaror days In Be bWIV period. Dab rwrdg on a day Issue or dw to mrafani mane dew aseamed. U. may be a variance boseeern this cakt atial and the amut of hence cha-ge aosaey assessed. 3. Maul Percentage Rats (APR} a The term "Annual Percentage Rally' nay appear as "APR' M Uns front or his swternnL b. I Uw md, P pAirtery Prn,s). L (Quarterly UEV- ). C partary CD), aS (8ankcard PrMr) appears on Ihefmm of fhb stabened nerd 10 the periodic raid(s), tie Periodic rain and corresponding AP-I& PERCENTAGE RATES may very 4aawsM and fnW increase or decrease based m tlwstated indces. as found In The Wall Sheet JOrnnai. pis to nagln previously d ixtoew to you Thaw crags wN be effective or the fast day d your bahg period covered by your periodic slabrriend endav in Ica mores; of Janary, April. Juy and O=W- c. tiro code D QAyg y Prone). F Monthly LIBOR). a G (Travuy uBM appears w the find your stabnat rand b the PerloI rev(s), the Perbr& rasa and mresporrdirg ANNUAL PERCENTAGE RATES mw vary rrorely and may increase or dsCM" bred on 110 stebed Inatome, a found In The Wall Shaer JOU mi, Des 1111, pagan prsvio sy disclosed b yea Thers clnugn wall w affecies cn Use eras day of yawbiUV POW each MOON` e. Aseaenant or Lila. 0mrstra and Mlumrd PmYffwt Fees. larder has wms d your cuslortaaQearsrk we rasarvetha debt to wave a not to asean any fees WNW prior rptlficaliwf to ym withalw®virrg c w rigm to assess to sarre asaawrfw$ at e aderaro. 5. haarew"ll, Fee and Rernser'hp Your Account ti a MenbssNp resappears on sic swWnent"V N CIWM led fee if you raquestto caws your aroou t wahan 30 days cc narllg d this swlertBnt You may continue to teethe ecoaaa drag to 30 dal period berofo Yoe raRww. U ycu do not pay all sages owed on this acsnrw With in go days, or i you r1,er your cedI card or account dwf You mWIsl to d., any f__-$*- pra``ausl y waved nett be ratwtatadbyouwaCO WN. e. CtoYlp or Sapalaag Your Accout. You May V*" surf your aced Wt be closed by cafag orwkkV our C.A. RAlalos Dspadrtat- Al 1119 are d You squeal. vs will provide yawed addkbW details on closing Yaw accost. This miy Include pymwt of-TOWL If YOU use ycw ore at card orcfawe poet to you account after YOU ask LM to Clow Your aerourt was can keep your account awn or sopw, lo We me y clan a suspend y- account and yw rghl to titan dada. We trey CID UUS at any *M and for any reason, wen I you am not in dWaaR Asuspension ofYOW accaat can be permisl rt afenporay. U youwaccount Is closed or suspended you bast stop using Y- credit card and axout You mat also Cancel an pleauhadzed Ming ainagerranw to theacCOUX We Will not do tire, 0, you. r ws close a penrarwrty suspend your aocoua, you bast also dahoy, &i MM MM and acOOWa access c*Ckti You nest sill pay all amounts you owe us onto a=%M wen if may vane changed stair your account s closed a suspended. T. Meaft paytnrds. Payme as you tall to M Will be credited to ywNirxout as of #a banners db we receive R provided (1) you sad the baddn portion of this statecraft anayaa chWK In the enclosed iwnEmm Wive" and a) you-peynart is sceivad in o,-pmeassing Carter by 3pm ET (12 noon PT} Pisan aaW at beel fire (5) wsaoss days to poste deanery. Psyrrwals reean ed by os at any diner Mason or in any anertonn May riot be maned as Of the dos we receNelhern OW business days was ktondy through 6. Aloha About Electron Clad Corwelsbm Whan you p'wiW a cl a k as paywa. you aAWL. us etnerb use ktwrrwtlorn fromyw chackto make a onaAirns slacbonic fund trarafwfrem yowdepesa account crto Priori sw pay?tas a awn k trarroacaol. When We use afocrelbn from your chaek to cake an aMcVonL fund sanefer, funds nay be witdrewn from your depose eavut as soon a to same dart ass receive your paynant anJ you Was not MOW* your CxcK OWK front your tearical ImaalorL Your aW,arhaWn is not "ad by the date on to check. We nsy resr,brnit aid ebctrunicaiy collect reUrred paynerts. 9. Bwwrupi y. I you are ertfle l to baraougry, protadrns for account, Unis; cornrinunioadon is o f ai it Is not an abwnq to coNed, sesame a iecwer a data or chin Do not said any paymwid directly loo as walpLLSpsaking with yaw banknrplcy allwW sew BM*Al^y Court. K you vyertto maset us a" your account crydrbankruptcy prdceedI g, please have your attorney contact us, tSLUNO RJ3HT5 SUAAd4RY Jn Gas of Effore or Questions about You Bas) ayou think. your oil is wrong, a Iyou reed note wanatbn on a awnactbn a bal. Was, to n am a separate weeds soon as possbb at the address for Inquiries stalwn on the froth of M statwrat. We bast how from you no Mar lion ID days of Weser ym d*W bE do W iich1,w ardorpioblxn appeared You cur, cat wCuskwwr RekWm mmW ondiy w by alai or wetals, but doing so will sat presents your Vila. In Information: ruf lOw. taw dollar ar=t dUwsuspected error, a ders"md to error and an wpWMm, I possible, of," you beametlam Is an error. cr r you need we ¦ fornerfi a a rbsaiplim d the tan you as me" about. You m not have to pit any armu t In question whfsww awtwesiga" a, but you as sill obloded No pay to pans of your bill aid[ are not n quedlon. Wt& ae irweslgaAa yorrquesuon, we carma spot you as deln*mt of eke any action to coW taw anourt you queefbn- t Special Rub for Credit Cad Pidnaes I you have a p Warn wan thequaliy of p o?ery or services that you pudand With a =& card and you he" tried n good wt'i to correct the prwlan wit to miscreant. you may have the rat not to pry 1,w smarag trout ius on to popefty w sewiees. You hwvebis protection ory When the puanase pricer was move awn $550.00 and fur purchase was gods in you node stab or within 100 miles of your me" address. (awe own or operate the ma -" a rvre nailed you Uw as advedhamat forties properly a services, all purchases cawed repabas of amWtor location d purchase.) Ptawa rerremwr assign all correspondence. t Wes rot anPfY b bnaAnas aCCOUns Capital One supports Tian atim privacy protection: see our weaaw at wAwcolidom= Capital One s a fa3asy MOWW $mioa rn'K of Captal One Financial Corporation. Ali dales eeeerved.02006 Capital One InePerbasfluKok R,ynpaytuadbussitaasdldbYOWacsrtaeafMbudsadYarsw'voRPO?dad lTlyuoandM awe priw,dtbaxbwwtadynr da*h Madedrwiwo sadysadR)Yeu pyvrertbrearedh err pamagwv bydpsa ET (Rnom pin. PI•oeaiow asaerlM F'vabuiww,tye faPl dwvwy. pynrtwcsiadq W at sy nfabrafa, wi, FP-d-I.-trla;papVd11a. SwtnPtpaaglcW peAeat dasasttrrbl tlswgnSaarr$r,eearaghoi9/s 7910547 JANEZULUNGER 200494 305 FOGELSANGER RD Date 12767 SHIPPENSBURG,PA172579704 68-7270/2560 Use by November3o,2o08 4060303 Pay to the orderof 1ANEZULLNGER D VOID s Dollars C Richmond, VA Memo Purchase Check Signature P212767n¦ 1:25607270 it:7510M2i43992u' Just write a Capitat One' Dear JANE ZULU NGER, k! h You have things to do. And now you have an easy, convenient financial tool to help ec Purchase C you get them done-Capital One Purchase Checks.* Better yet, they give you access to your existing Capital one account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fee! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest-rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay_tess interest. Treat yourself You've got things to do...get them done with these Purchase Checks! to a night out Thank you for your time, c c Consolidate your bills P. Taylor Jamison c Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by November 30,2008. Wantto transfera balance now?Call 1-800-955-7070 orgo online to https.Iltmnsferbalances.capitalone com/offers. *Please see the reverse for important information about using these checks. 40503 200494 JANE ztn UNGER 12768 2o5 FOGELSANGER RD Date 68-7270/256a SHIPPENSBURG,PA1725797*4 40603.03 Use by Novcmber30, zoo8 Pay to the VOID $ order of Check 7910547 Rich Memo 0`i 2768R' 1: 25607270 L1:75 L000 2i??4'et 2+? Dollars m v M 11 D r m m N m 11 m O D A O O T G] O M z O y N T n n 9 M N M D < M 0 T O s T Z D Z O D r Z N 1 i c 1 O Z C N m Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out or just Q: What APR will apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, ovedimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported losVstolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May not quali- fy for reward programs. 3) Are subject to your credit availability ork" day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. C 2008 Capital One Services, Inc. Capital One is a federally registered service mark, All rig its reserved. 7910547 T m 0 M 9 D r mm N m a m N O D 9 O O O M D Z O mm G7 0 n M M N m a m 0 T 0 D T Z D Z O D N 1 ti c 1 O w m M Z 0 O Z m m M a m Ca?"? 6.65% APR* 200533 Home Loans (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 up to $1,000,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2493 Or visit www.capitalonehomeloans.com Mon -Fr. 8am-8pm; Sat. 30arn-1 pm EST Reservation Number: 5098 o11 017 9350 ' Aderrtiud annual I-nragC rare is cdcmve as of O; RXI21108 and .cuhjc t to chanq at am• rime APR is 1-dun e=[I nr acdit hi rnrr, $3(X),496 Iron amount 80% u,rnbincd 4cn-ro-.aloe nriu and a 30-)vat fixal-awn- fi-Ir r- mortg ge. Monthly p:tymrnt f u this rumple is $1.929. Addirinml rein :ma nsmrnnns apply. Dear JANE WLLINGER, We're impressed with the responsibility you've shown in managing your finances with your current Capital One' account. So much so that you've been specially selected to apply for this offer to refinance your mortgage with us, and lock into a FIXED rate while rates are still low. YOUR REFINANCING EXAMPLE: First Mortgage: I FIXED Rate: I FIXED Monthly Payment: $300,496 6.65% APR* $1,9291 WHY REFINANCE NOW? If you already have a fixed mortgage, refinancing to a lower fixed rate can reduce your monthly mortgage payment. or if you currently have an ARM (adjustable rate mortgage) or are making interest-only payments, upon approval, refinancing to a fixed APR gives you the security of a rate you can count on to stay the same. • Low FIXED APR starting at 6.65%* • Consolidate high-interest debt • Lower your payments by an average of over $250 a month' Don't take any chances with your interest rate. Call us toll free at 1-800-760-2493, and we'll work to help you refinance to a low FIXED rate. Your Personal Home Loan Consultant will try to find the best solution to meet your needs. Sincerely, Call toll free 1-800-760-2493 -, W. Jol qIfl Mon-Fri 8 a.m.-8 p.m.; Sat 10 a.m.-1 p.m. EST ?{y Or visit www.capitalonehomeloans.com Pat W. Johnston Reservation Number: 5098 011 017 9350 Director, Capital One Home Loans P.S. Call today for your no-obligation consultation. Dis-ARM Your Mortgage 200533 Lock into a low FIXED rate and guaranteed FIXED monthly payments. 7910547 EXWPLEt: Based on a FIXED APR If you borrow $150,320 If you borrow $300,496 If you borrow $405,890 Your FIXED monthly Your FIXED monthly Your FIXED monthly mortgage payment will be $979 mortgage payment will be $1,929 mortgage payment will be $2,603 t upon appr-21, your ban amommt may vary based twt your specific situation. Exaraple monthly payments = bated on a fixed annual pcrcentaW rate, currendy 6.74% APR for $150,320 W. amount, 6.65% APR for $303,496 loan amount and 6.64% APR fnr 5405,890 loan amnunt. Refinancing to pay nff twining debt may emend the term of the debt. possibly resulting in higher overall costs and increasing the total amount paid when compared to your current situation. L-er scrooge m.nthly paymem chin based on first month's payment on non-putdtase lump, exclusive of dosh tg -u, that dozed between 01/01/2008 and 06/30/2008. Actual Invert payment may vary. Refinancing to pay nifexisting debt :nay extend the term of the debt. possibly resulting in higher -nlt rusts and ineesasing the rural amount (raid when compatul mu yo:u curt.., sit-inn. Capital One is an Equal Housing lxndcr. Sec rn%rn- For additional important infummion. e•aasautne LENDER Q: Is there an obligation when 1 call? A: No. When you call us, you are under no obligation whatsoever. During your phone conversation, a Personal Home Loan Consultant will simply help you determine the loan amount and terms that best suit your needs. Then it's entirely up to you! Q: Why not just use my bank for a home loan? A: Capital One takes the hassles out of the lending process. It's quick and easy, and it's personalized. You'll have one-on-one attention from the same Personal Home Loan Consultant start to finish. A direct line and email to your Loan Consultant helps you monitor the progress of your loan and address any questions you may have along the way. Q: What property types are eligible for a Capital One Home Loan? A: we offer home loans for single- and multi-family homes, townhouses and condos. At this time, we do not offer home loans for cooperatives, manufactured and modular homes, mobile homes and commercial properties. Q: What types of financing does Capital One Home Loans offer? A: Capital One Home Loans offers a variety of no- hassle home loan products, including first mortgages, refinance and debt consolidation loans. Our team of experienced professionals understands your situation is unique, so your loan solution should be too. Q: I currently have an ARM (adjustable rate mortgage). Why would I want to refinance to a fixed rate? A: The best reason for refinancing to a fixed rate is security. If you have a variable-rate loan such as an ARM, your rate and monthly payment can go up at anytime, The security of having a fixed rate that stays the same is priceless. Q: What if I am self-employed or have missed a payment? A: Whether you have perfect credit, less-than- perfect credit or have hard-to-prove income, we will work closely with you to try to find a home loan solution that best meets your needs. Q: Can I get a loan with a fixed monthly payment? A: Yes. Capital One Home Loans offers loan options that provide a guaranteed fixed monthly payment and rate that will not change for the life of the loan. Q: Does Capital One Home Loans require a minimum loan amount? A: Yes, the minimum loan amount is $20,000. Q: What information do I need to have ready when I call? A: Please have the following information available: • Your Reservation Number • The estimated value of your home • The balance of your first mortgage • The balance of any secondary mortgage bans • The amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800-760-2493 Our Personal tiome Loan Consultants arc available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-1 p.m. EST. Or visit www.capitalonchomeloans.com Reservation Number: 5098 011 017 9350 Here's how simple it is ... O ? Apply Get started by calling us toll free, or visiting us online. © ? Get a quick decision You'll know if you've been approved in minutes. ® ? Next-day delivery All your paperwork is prepared and delivered to your door via next-day air or by email. We've made it simple by highlighting the areas for your signature. C Home Loans Rain lucks vary by pnxlun sxh zal and ue uhuitubte of ter wuk-idng "d approval ort}m tuatt. Offer inrrndd for qualified applimna only Nor all limn products or rams ate available in all wares. The acaml cbsinp, rimes ay ,,,y baud upon the s, m in which the property u htrrud. Louts svbjcxt rn credir aPpiWal. This d- txx mi,mmx an offer w -a ime a town aq."-t. pmd,am, mils :rod icons avbjw to drmp wulwut nttdcc. Pr"- and -;- cff-d by Qp,ml On, Home 1. -, L L C 8) 2008 C3,p,.l 0- Qpiml 0- i, n fed mlF fret. cxrl x-f-,n-k All 4- --e d 7910547 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Paymet Due Date i?$3,975.12 -i' $189.00 + f ^ $38.56 + $39.00 $3,863.58 J 115.00 I Oct. 14, 2008 Aug. 20, 2008 - Sep. 19, 2008 Page 1 of 1 y ,. ^ * J Visa Platinum Account 4 8 623 671-784 3 4= Your Account Information TOTAL CREDIT LINE $3,500 00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $000 In Ca1lceFin e$ (Please see reverse for important information) Balancerate Pendc Corresponding FINANCE Wowto ate APR CHARGE Purchases S3,89684 00319A P 1165% S3B.55 Cash S000 0045V/o P 1674. 50.00 ANNUAL PERCENTAGE RATE applied fits period: 11.W4 dl-Zk At Your Service - Co b nwvw.caotabrrcan b manage yar ax tat - rx C34800.4D33Gi7brepoitabslaslohn ardaspedkbOn?rrr Ralationc? 0 Pry Ovine(4vwmvcaoea m=mormadyowpWmetb. Capfal One Be* QM), NA • P 0 Bm 70884.Ohattle, NC 23272-0864 Send die 0 Capidl0:e-PO Bo¢30285•Setl.daeClly,UT84130.6ffi5 Cq ® ® Have aquesthnabortachargeonyour stalemet? Phase refer to the Bdig Rghls Sunmay m the beck of yohr slater ent or visit www bne c m dsrwtes Payments Credits & Adlustwilts 1 19 N.1G WERUMIT FEE AWJSTMFNT S3900- 2 085EP PAYMEPJT S15000 Transactions 3 19 SE? OVEPJJMIT FEE SEP 19, 2708 53900 Your account has gone over its credit limit To avoid addLonal overlimt fan. please pay enough b brrg your balance below your credit Imd mmedat*, and make sue you remain below you- credit Imd Please be sle to accaat for any f1ure pu-..hwes, fees, and Gene charges A-e you mere ted in refihanrg yon current mortgW? Capital One can help We offer great rates, no hdden fees, and you will recew the enoonare attenlon of the same persoial ban coructert I orn cap to dose Visit www,caplalOrehonebars ran for more information PLEASE RETURN PORTION BEUXV WITH PAYMENrOR LOG ONTO WOM.CAPITALONE.COM TO MAKE YOUR PAYMENT ONWJE 0 4862367178437838 19 3863680150000115009 CZ1j3 °'()ne whTf- urwallet7' New Balance Minimum Payment Due Date 863.68 $115. W Oc PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank (USA), N.A. P.O. Box 70664 Charlotte, NC 26272-0664 7910547 lglpuul.4Illthl4111111hldhuhlPlhd?lullhNllrll Account Number. 4862-3671-7843-7838 Pk" print address or phone number doges below using blue or black ink Home Phase A7temate Fhone E,madaoHres 9 99026407260269632# MAIL ID NUMBER JANE ZULLINGER 105 FOGELSANGER RD SHIPPENSBURG, PA 17257-4704 'I, H-I Jill Please write your account number on your payment made payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. 0 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 This change will take effect starting with your December billing period. You cannot decline this change. 5OW51 41080 capffal - Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Date $3.863.68 - $0.00 * $38.50 * $78.00 - $3,980.1fi $234.00 Nov. 14, 2008 Sep. 20, 2008 - Oct. 20, 2008 Page 1 of 1 Ka%PAY AT L/5r THIS AWM Visa Platirwm Account 411112-WI-730M Your Account Information TOTAL CREDIT LINE $3,500.01 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAJLABLE CREDIT FOR CASH $0.00 Yode behind by one payment. Remember that pay rg the mnimun payment by the cle date keeps you ac-out current. So make sure you send in the minilxml payment to L-p yar account cu•rent payments Credits 6 Adjustments Transactions 1 140CT PAST D'JE FEE S39.OD 2 2000T OVERiL MfT FEE OCT d), 2006 539.00 Your account has gone eve its credit irrw. To avoid additional wedirnd fees, please pay eno-gh to brig your balance belavyou credit irit imp, and make sure you reman helm you credit lint. Please be sue b amount ftlr ay We purchases, fees, and financedlarges. You were assessed a past due fee because your miiirnrrl payment was not received by Be due date. To avoid tie fee in the (inure, we rxanmend that you allow at last 7 business days foryou mnimun par ert to reach Capital Ore. Finance Changes (Please see reverse for important itormalion) Balance rate Pe•io& Caresporiclig FINANCE wed to rate APR CHARGE Purchases 53,691.04 0.03192°- P 11.65% $38.50 Cash $0.00 0.04566% P 1674% 50.00 ANNUAL PERCENTAGE RATE applied this period: 11.65% o At Your Service •Golu~,capilfxhecwn b Twmgey.>trewwR. or Cat 1-800.9033637 to report a bstorsbincad or speak b Outxw nelairns ® Pay Online at yowcmitahr war a' mailyour pemerd b- ,td Oro Beek (LISA), NA - P.O. Etsc 71083 • Cherblro, NC 19'!72-W83 Send nquidestm Cepid Orc• P.U. Bca 30285 • Sul lace (]ly. Uf 841300795 ® Hate a clue0jon about a charge on your stater ent4 Pleaea refer o tte Bdrg RLI b Sunmary on 818 back of your stater erd or v4il www CaPItalDle COmldisputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862367178437838 19 3980180150000234004 Gaup Account Number: 4862-3671-7643-7838 Due Date New Balance Minimum Payment Amount Enclosed Nov. 14, 2008) $3,980.18 5234.00 = PLEASE PAY AT LEAST THIS AMOUNr #9029507260269636# JANE ZULLINGER 10S FOGELSANGER RD 7910547 SHIPPENSBURG, PA 17257-4704 d•rrlplllr•II•Illllhdrll•rn.LrhllhhPlllhl•II141H1•II Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay orline anytime-no more checks, stamps or clutter. Moving? Change your address online or on the back. e Help save the planet-Go paperless. O Sign up at w-capitalonc.com. Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 91rH.rl...IIIIIH lll•llldlnr.Llrl•Ill'1•'1111h•uh•Irlhl Please mak*4hdis psys6bto Capital oi* 0" 4", NA and marl with this coupon in the enclosed envelope. Capita 1. How to Avod a Finance, Charge. 3. Annual PerceMaD? Nate (APR} e'. Notice Molt Electronic Clock comersbm aAreca Period. You Will haw a mn[nom gace period of a The term Annual PercerOW Ralar nary appear as 'APR" W nwn you p;oviW a deck as paymiL you autnonim us 25 days wtlrud trainee ca-p on new purchases, new ontelreadiistaleralt ether to use ifomotbn faxnyour check to make a ol»Jire balance transfers, new spatial purchases and new 0. l the coda P (ol+M" Prma). L (QUMeng LIBOR). C electronic fund tareferhorn yourdepoek account ato otter charge t You PayYour lalal-NOW 8810108. n (OM" CO), a 3(BaaeWd prints) apps Mthe front process the PwTwt as a crock trMotm. Vfl=WB Use accada ce with ts, Import" Notice W Payments of hle staDsnant nod to to periodic rd*q line periodic trtornadon from your check to welts an aecrarb fund been, and In line for k b be credited by yourpalrrera repay and caresp riding ANNUAL POICIMAGE RATES nay be witlarawn from your daposN account transfer, funds due data Throe is no Wend WW on cash advaceg may vary quarterly Ord may ncmas , or decrease based noon aenrre eley weneaews your PeYneuul act Ya as the as and special Irarelere. In erkNbnr. these a rw grace on the stale kick". as farad In 7M Wall Sit" "i al, it not rmew?your c'scK back from you IIWIoW w period m any transaction a you do not par he btah plus M r argn prwbuoy disclosed to you, Tloe insDYdlaa Your aWoartratlon It not Mired by the data on to 'New Balance:' dWg9s will be drertlve on the fiat Jar d)our bov chair We matt rusubrrt and ulectrxacaky culled oturned b. Acmft Fweknra Cha Ws. Transactions whtah are rot period conned by your perbrfo slebnort entig in Be subject b a Wace period lie wee»ed finance chaTle l) matte or Amery, April, July and Cobooer. g. Brrkrupliy. I you are MOM in bankruptcy platectiore for ham the data of the transaction a2) Dun tits ddego ratios code D(ib'dhly PrYre), F(Wathy LIBOR), a O yon account. this mnmulk:atan is only for saomaNoal assertion is processed toyour Accou t or 3) Mthe (Treasuy UBCR) appeals on to fw tof your statement pupasas. R le rot an aWrtplb collect, resew a tsmvar a lest calendar day of the what bMk g period. MribraM, had In the periodic ale(s), the periodic leas ad debt or calm Do not a" any pWnwts dkaafj to w kyou did not Mtho New Balance` from to previous omasDaWUg ANNUAL PERCEWAGE RATES hey vary witolt speaking wkhyour bankruptcy abnoy a to Haag period h fled, rr clWpes eoliths to OMM to rfWJW and may Inc ease or decrease tweed on he sated gaygapay COOL It You nut to cohort us awAyour your upeb alliance LM the unpaid bWE" to Paid in kdkce, as round In The Wall 3heat Jean, price tts account aYour baNOytry Poeeedk9, Pb OM haw Your full. This rreas that you may stM owe firseve dragas, rnMW previously disclosed to yea ThesectwVw will be aaarroy corlxt us, evenryoupsyllwaalks Navy Beincatndkudedmtus abciwe an tits WA day ofyorWiing period each nsnt. front of your sapMert by Ua Pp'msrt duedalg. but did a. Aeespnwd of Late, Ondei ON Retained Payrr.rt IBLUNG F03M SLNA\P Y lad do sofale prevbimoth. thpad theme chore Fees. lndarthe ems orY roabmtsraWWnS ,ws ,InCasad Enbfaaaaakas abed Your Bit) areaddedbtre a?pae7tte segrrWtof yarMJOUt reawlre ngN bwalveanotbasasas any teas wtlcut Of you tide your Al Is wing, or fyou sod rrl0le kfornatbn on c. hat knu l Finance Cttsngn. Farech bMft period that prior noNfeefior to you wiDoutwewing crVitto mm abaroacBal or bill, masb us ma separate ~as, soon as yoaaccoutissuAjxlbaRanoeclarg?.arririrsnn the srro asnaakw at a leartirre. ?cesNis elgo akiess brinqukfea startumihe fmM afltis toaIFTYWCECWIRGEd;D.fANWnpaeed. S.Manp?raup Feeahd Rensol YourAccournt.aa :saanort worutt rowtmmyoumuwthaw;"$elan d. Tenpaaly Nadi¢Wn all Finance CtwgM. WS Mena mam6esttpM appalls m hle saanWt, wewll credt the lie sat youthalkstbMmahlot fiaenaapiobMnappealed. the right b not asses any a at fear doges for ry fee rym request ID close your account within 3D days dote You can aleourCStarer Reletions nrndsraMryus by piveuu blNrg peed ffv&V dude stalerrenL You may continue to use the wren or wsbele. but dakq sowed not paawnyour rWb. In 2. Average Day Balance (ksdurig New PwdwA** accout a" the 30 dry Parted oef"yoir Iegjg$L N You yon letter. gwe us he fol!Nxg klernlalion: your hallo and Finance change is abuiid by n%g3*h;;Is oily What pay air ctargesoweJ on his scmurtwith h BO days, amount hurts. the doled avbud alto aspeu4d aror.a baWm death seg-Mt Otyoraavat(eg.. cash aryouueyourc, card or aaaaat alkarym MW`dto description or to wrx and an al"nalbn, rpossb[e, of vat advance. Wmlmi , spcial bersrar, and special Puons%a) clogs, sy m wed ws* fee previously warred rrwi' be you celsveDtsre is an error; or a you tied mmne iranHtlD'a a by the CWlePd 16 gdefy pre iodic nds(s)DW has been revealed to your nleeddplion or the Win you we usuo about You do not hweto previously dracbeedto you. At the and or own day durkg e. Closing or Suspending Your Account, you rrro req+ast pay ry arMM In question whissmare MCAgNrg R au hub Mal period, We apply he day WOdie TWO For each that your a=oUrA be dosed by caMg awlag air you lie 90 OWtgslrl b prey the Paris Of your bed rest »noth seyrrrddyw acnuatbNtsday balao death Cusloror Relations Depahnast Atto*m dyer request quartion, WW[s lie ihestigeN youry,estI„r, We cannot spat sagrart Than attM?sl dins Wft pelod, M add up we, Will provide You with addiioal deleas on closing your you as deGlgtsal or take MV action b coeCi the anaout you the rsub of then daily calculations bents attar accourd The nom' Include, Prymat kl=WJ L 9YOU use gjWicn. periodic Finance chargebr own emigrant. We add W the ypraeda card or charges post to your amount war you ask results flan each segment to amseatlhettr Peridiic us to clone your accounL m can keep yaw account open a t Special Rule for Coda Cad PUdiaas rnanae ch rp fayour account. To get tits daily balance for reopen L We my close a auspa dyo r account rd you If you have a problem with the quality d p-opaq' or services eechsegmertdyauaccortmtakstMbegksag rotb obtain each. WS may cis Mile er ayaro WOf3r WW [rot you purchased will a:walkcard and you taw kind n good !Bence foreaon sagnWt and add lily maw aansaciore reason even rya we not h deaW. A suspension -Your laitn to carec[tre probas. win its rtosrctagt Ya mar nave gts ad any periodic evnce c" calculated on the previous account can be peman ant oteer poiay. N yaaaccount a dgtt not e pay he arralig erriud due W the prop" a day's balance for MA segment W?Den sublactVOW cksed aswpadwl, you cost atop ukg Your MW card %xvicea You lave in peaAbn only when to pudow price payments aaedits posed W d sot day OW are aerated and account. You mat also excel all garalddzed burg v rmre Dun$50.00ad the purchase urns rrada in your b that migrant The gire us, Use sapraleday ba61c?for anagwrartg to she accmt We vN not do this for you I home sai awithin 100 nias d yo r.." adraass. Pl we each segrend you account Flmwef, lye paid ore Wes Clown pedant" waperd you account you must MMOrO arMUWMIWrIR Ortw rL*dyo,tna Now Balace shown m your previous steahsrt in PA (a r aW desbey all credit cards and amour amuse clacks. You atlueMsa rent for the property or senrloW all puelases re your new taanee was zero as aedl arrduut), row mat s1M p0' ON mounts yes bas as on Val account, sum it dcvasd regaran of arourt or location of purchase.) Please tanseations, which post to Your Purchase a$PROW DeymmchwgedafWYugracoutlecbsed a rernernixrto sign all aonaspondaos. pUschase saprtani as not eddsd lots dairy bOWM. We sUMMXv d. cgaartla treaverege dally baalw by aoLg as Use dally T. Malft paymard& Paynarde you mall to us VA to cabled t Does not apply b bg #mw aoompft balarson iogalttsr and dieklM Do sun by the nrrtwd to Your account a dka W*vm dnq M receweL the days in the saran Mid cycla. To calculate YONtotal po kyd (1) you send the tBDan Portion of"stetsnWt Capital On supports iiormWion pwaq, po0ecton: sae our rnruzchrge, mipbyo'r avwaW day bd nca by tie a and your cheek in it* a , , - d narrtlace a eWWO ad (2) ET O webs" fit OW&MMAML g day periodic as and by Drs mantel of days h he bN pn you-pwpTwt is received in cur pocessN center or Capbl one Is a Me" mgmumd seMe? rra x Of Capbl ono percd Due b goudag on a 0* base Or due to mhinun (12 noon PT) plee a my at [east We (5) buhass days for nnancial Corporation. All rights reserved 02005 Capkd one rnara charge assessment, Ilona may be a wdagce posed dgavay. Pegmtsrts rxswed by W at ay Other bdweers tots cebwtation ad tlug grout Ot tierce clage bcaton mn any oUw form rep not be aedid lie of ore actually assessed day we necewe loom Our business, drys are Alondar trough --- Changing Address? Address ................................... - ................................. Home Phone....... Akernate Phone....... 7910547 E-mail Address Please print address or phone number charges above using blue or back Ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure 49 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. ??0 • Please don't include any additional correspondence. - Last Hut not least, be sure to write your 16-digit account number on your check. 200567 41 D80 JANE ZULLINGER O important notification of a change in terms to your account The changes detailed in this notification amend your Customer Agreement. All other account terns 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 greater 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. This policy change is required by federal banking regulators and cannot be declined 200567 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. 7910547 7910547 ® 2008 Capital One. Capital One is a federally registered service merle. All rights reserved. Previous Balance Payments & Credits FINANCE E Transactions New Balance Minimum Paytnert Due Date CHARG C:: __ $3,863.68 $0.00 + $38.50 +? $ 8 W -? $3,980. $234.00 Chl 14, 2()08 -? J Sep. 20, 2008 -Oct. 20, 2008 Page 1 of 1 v. RTMKG?r I-- Visa PIffiinum Account 4862,3671-78434836 Your Account Information TOTAL CREDIT LINE $3,50000 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $000 Fmm Charges (Please see reverse for mportatt ribs abon) Balancerate Periodic Cmespon:4 I MANCE appded to vale APR CHARGE Pac ases 53,891.04 003192% P 11651. S3B.50 Cash S000 0045M P 1674"A MOD AWRIAL PERCENTAGE RATE aPP? tlis period: 11.69A At YourServfce-Gobwawmailabp mbmuwgeyorw=K x CA i 80DM3363T brepat absi a 9abn cedar spade io 0uiwrer Relalors Am PayOrinaaltwwvemRal%M*rmalyarPWW*b i? CgAW0mUa*WA).NA•P0 B=T4183.CbxVJ.,l,C 28M-1083 Send Inquiries to: C*WOw- P 0. Bas 30285-Sat Late Cly, Or 841300785 ® Hamaquestionaboutactorgaonyorrdit-l? Plase rder to the Bifrg Rr h[s Sunmay on the bads of you stateir ert or vote wwwcmdakinmPirikhmAm You're bell nd by oie Pwriel t. Remember tat mayry the mrlm.m payment by de due date keeps your aocoml cxrent So make sue you send in the manmum payment to keep yox accouk (eared[ Payments, Credits & Adiushnents Transactions 1 140CT PAST DIIE FEE 53800 2 2000T OVERUMIT =EE OCT 20, 2008 S3900 Your account has gore over its crack Imk To avail add" arerlml fees, please pay a-ao to brrg your balance below you me* limit mmedatelj, and mdse sue you remain below your ciecit limit Please be s.Fe to account for any fAnpu-_hnses, fees, and frnsnce charges You were assessecla past the fee because your mrwmrn payment was not recewed by the due date To wW this fee in the More, we recommend that you allow at least T bsress cloys lot your mrimum payment b reach Capital One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LAG ON TO 4INWV.CAMALONE.COM TO MAKE YOUR PAYMENT ONLINE 7910547 1 4862367178437838 19 3980180150000234004 c alm" 7e Account Number: 4862-3671-7843-7838 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- NOV. 14, 200D $3,980.18 $234A0 C__?::l it's fast, easy and secure. o Pay orkne anytime-no more checks, stamps or dutter TP SEPAY?M © Moamg7 Change your address online or on the back e Help sac the planet Go paperless #9029507260269636# © Sign up at wviw capdalonc cam JANE ZULLINGER 105 FOGELSANGER RD Capital One. Bank (USA), N.A. SHIPPENSBURG, PA 17257-4704 P-O- Box 71063 Charlotte, RC 26272-1063 .1?...1?1111r.11.1????111?'?1..II.I.tlll?l?l?lllllll.??lll?ll?'?) II II I lnln'llt?I"I II'111111111. 6L+ 111r1 "1?1111'1111'1I'II Please make decks payable to Capital One Bank (USA), NA and mall with this coupon in the enclosed envelope. soooos what's in your wallet? It could happen to anyone. Make sure you pay the amount JANE ZLILLINGER due on your statement as soon as possible. Keeping your credit in good standing can 51 WHOOP! M do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES behind You're BETTER INTEREST RATES (good credit could mean lower interest rates) by #1 payment. IMPROVED CHANCES TO GR APPROVED FOR LOANS (when you want to buy a home or new car) 3ur1N Caplrn! Om•.C rnirrr, Lrr. ;ait:d Onr i of /rdlp rrtia<•rcr[.rro;cc,mtrk. ,-I[[ n {,a n:a _[ Previous Balance Payments & Credits FINANCE Transactions New Balance Minimum Payment Due Date CWGE $3,980.16 - $115.00 + $38.26 + $39.00 $3,942.4 $237.00 Dec. 15, 2008 Oct. 21, 2008 -Nov. 19, 2008 Page 1 of 1 Visa Platirnim Acownt - -? 4NZ-WI-7843.7836 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges [Please see reverse fbr inpomrtt itomdion) Balance rate Pei-mk Corresporditg FINANCE appled to rate APR CHARGE ?uchases 53,994.97 0.03192% P 11.65% S3826 Cash SO.CO OA4SB6A P 16.74% $0.00 ANNUAL PERCENTAGE RATE applied this period: 11.65% IT-ti. At Your Setrice-(b b~ cm6knemrn to irwww your avant or Cat 1-M90t307 b report a bat orsbbn cad or spade b rleetkns 0 Pry Online at rrer.cmaebre.oom m tralym parrierd b: OpAel Oro Be* (USA), N.A., P.O. Boot 11083 • Clerbee, NC 24272-1043 A Send Inquiries to, Capial One P.O. Elm 34165 • Sat Lake Cily. UT 84TJW2B5 ® Hama question about a charge on your siatrmeW Please refer b the B lhg ROW Summary on the bad(of your statement or visit www.caoitaloie.crnJdwuIes Youte behind by ore payrn nt ROnffrber Thal p*9 the minimum payment by the due date keeps your acct nt curenL So make sure you card in ft mini urn paynw_nt to keep your account c4•renL Pamleets Credits&Adjustments 1 17 NOV PAYMENT S115.00- Transactions 2 14 NOV PAST D'JE FEE 539.00 Your account has gore over its MCR limit. To amd adS6atal werfmi[ fees, you should pay more than the Mirnnum Payntertt Please pay enough b trig your accant balance below your credit Bnt mmeM*, and make we your accatrt balance remains below you =2 trail. Please be sue the amount you pay accounts for ary We purchases, tees, and fr ace charges. You were assessed a past die fee because you mitinrn paymerd was not received by to due date. To avoid to fee n the Ron, we recommend that you abw at bast T business days foryolr miramurn pWTmtt b read[ Capital Ore . PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON To VAfVW.CAPrrALONE.C DM TO MAKE YOUR PAYWNT ONLINE. 1 4862367178437838 19 3942440115000237000 Carpital? Account Number. 4e62-3671-7"3-7838 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- 4 5237 00 942 Dec 15 2008) $3 it's fast, easy and secure. . . , . , IS Pay online anytirne--no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT Moving? Change your address online or on the back. ® Help save the planet-Go paperles. #9032507260269631# ® Sign up at www.capitalonc.com. JANE ZIILLINGER 105 FOGELSANGER RD Capital One Bank (USA), N.A. 791 0547 SNIPPENSBURG, PA 17257-9704 p .0. Box 71063 Charlotte, WC28272-1063 d°Pdrlghu•11•PmullLlull•Ldll•rrnllrlPPu•II•h ulllll•lll^u41•h•hpul,•Ilnh••11•I•III•ll••Illdhhhd Please make decks payable to Capital One Bank (LISA, NA. and mal with this coupon in the enclosed emreklpe. 1. How to Avoid a Fawns Chaga. a.Grace Perbd You we have a minimum pose period d 25 days wihst fronce Ohs-99 on new purchases. new baene trawfws, raw special puiclom and new other dwrgas t you pay your tdal'Tgw eahnod'. n accordanceWith trw Irrpatat Nonce for payments below, and In time for ate be credited by your payment due dale. Thee a no grace period on cash advances and special travelers. In addition. Uwe is no grace period on any traneactton Of you do not pay Ow ON 'Nuw Bakaca" to. Acauag Feamcs Chap. Transactions Watch wend subject b a grace period rte assessed frmlee shays 1) tronn in* data d the hanwsclian a2) ivn gwdata the trase tkn Is pressed toyour ACco nit or 3)tanthe Met cslada day of go curate base pabd Amaaaly, if you did not pay the 14me Seartce* aonttw p wic s Brag period a hill, (lance charges contlae to scene, to your unpaid mla ce ua the upM balncae paid In full. This neat fat you may sill one limirm cteny., even rye pay the entire New Balance Indicated on the bat of your sabmnf by ft payment duedds, but did not do so for do prevbra monfir. Unpaid finLe ctwrgas are addled tafeappk" segment at YOWACOUt c. Mnanan Fnemea Clouge. Forrbdt bMV period that your account is sub)ed to a aa'ce chaps. a minimum total FIMIAME CI/VM of TOM Will be imposed. d. Termporair Redrclbe in Fin, Charges. We reserve the fV t to not assess ay or all lbonce charges fa wry gTwen base period. 2. Memge Day Bdwm anoldnit New PradooloN Finance dales Is Catt&Wd by rraaipykg to dart' beaaa or each segine t of your aawt(e.g., can advance, pudm.s, special Dow-,, and apaclal pudasa) by ore conrespon" defy pwI N ate(s)m t has beam the bOM pwM we Wpy Ire day periodic rate for earn anat no end d the ? Wag paod d se t Than %v& add up me rewb of those daily caatakxa b arrive 01 your periodic fiance crags breach segmnL We add UP the rawb man seen wynera to arrive at fneaa periodic rrwm dares for your account- Toga De deity balance fa each segment of your accoull ore tea the bWn*V Iearnce faewch sagrrwrt and addary rnewrbamroadiore and aay periodic *VIM Chat CadMad Cni fe ROVIOM day's seance to fial swrie t We than subtract ay pwymrts aaredb posted Me d that dorOuat we abruuhed to that seynerL This likes us Do separate day balance for eacheegnn(oryS WODUrLHDMNW.Uympadtte New gdW= Shorn on you previous statement In full (a r your raw balance Mara IDIa as cads amount), raw thwactione, whbh poalb you puchaseor specs p iclwsw.gmerws as not added bfadaay balances. We Ctlcvtae tie wweraga day below by ad irg of ore day biases togaler WW d NWV the sun by the number Of the days in Ue tune t bating Cycle. To CWM&b YON total faance charge, mfkpy your average day s'tar'e by gar dally periodic raw and by the mother d days In this bang pm ze DA W roundinii on a OW basis or due to ff**YyXn r dhge a.w.nemt fine may be s variance betrasntas cakidetW and the groat of francechaVe actually assessed. 3. Annual Percentage Rates (APR} a The tens "Annual Pwcmtape Rate' may appear as "APR" on re front d Inis sUlerrwt a f W Code P (Quell," Prima). L (QIAr1aly UBOR). C ?c d(Quarterye or b pwbde)app'as?on gothe ftut rates and Corresponding ANNUAL PERCENTAGE RATES may vary grartarly and may kxreeea adetseoe based w the stated indim, a found In The Wall Street Joinal. pas rasa nargh previously disclosed to you Theas charges will be effect" on merit day atyour batng pwbd ewered tsy ywr periodic slebrmns artag in to mont! of Jan ery. Apra July and October. c. if tw code D OAY" Prh*), F (Mddhy L OOR), ter O (TreasuryLOO appmmm fefwt dyoasb*nwd nod to the periods ale(s), the perodib rel. and mrespo dsrp ANNLWL PERCENTAGE RATES may vary monthly ad may Increase a decrease blo0 on fie eased kdtes, as found In The Wall Shalt Journal, plus the margin previously disclosed to you These Ctepes ova be e(eclive on the 1191 day oryblr b&V period each moral. 4. Assessment of Late, Oneness and Rlitumod Payment Fib. Under do terms al your customer agverneK we ress"the rent to wsive a not to eatses any fa. werrot prior notification byouwit oit rrdwig ter nplttoassess gar same aakriafbea st a laerwmre. 5. Membership Fee and Nenewkg Yam M.ounL f a nanbeshipfee appears o t this sl teroM wt will craclt ore feetywrequestbckseyouraxvut Wean 30dep ofthe meting of pre slabnwnl You may continue b we Be socou nt drkg me 30 day period before your request a you do not pay sit shapes wed on life accouutvM In 90 days, or aye use your Credit cad or account alryou request to close, ay martaship fee p mousy waked may be Mff"UW to your account a. Closing or Suapent" You MOMMIL You retry re4aM that your WCOU t be closed by oaeg or ter" our customer Rstefas Depeitrnat. At to lime of your request mwill provide you with sldliwl delais at cfthV your account. This may Inca I pay meritlfortfWort rye use yarUs it cad adages poet to your account R1Wyou.k us to dose your accoutL we can keep youraccount open or reopen L We may close m suspend your scoorut and your rat b ocean credt We may rob this at anytime and for any reason wen r YOU we not In dsattL Asaspaekmgfyou accent can be par aert or to, pone y. N your account Is cured or suspended, YOU Raft slop uskg Yam Craft Cad and saw" You mat also cancel all peauaddad bl" arnwgamaMS to the account We ova not do Ws ktr you. it we close or permaro tly s.psW you accost you coal also destroy all credit cads and acconet access Chack3. Yw rtu t AN pay all amourds you ode as at the axouut wen if they wear clo alwryouu accout a closed a suspended. T. Aatkkg Paymer9& Payrrwrt%ym mallb u s War be credbd byoaacmrt as rife busaess sty ova feceks L Provided (I)yaw send the botlom portion dime statement and your check In fe aclOsed Mffdt re WNSbpe and t?) your- paymad is recNvad in ow procassng cantor by 3pm ET (12 noon PI). Pease slow at east five (5) business days for postal dOMay. Payments Mcchsd by us at any War location or in any other form may not be Credited as rite dice we recaka fwrrc qu aekw. nays arse atondq ihvough d. Notice Abort Ebdronic Cheek Convarabn. When you pvAft a dada to psynwnt. You aWmodur us elxr to use ifcnna Onn fromYoaCheckb male a.n tame eleehonic fund tnaefxlmm)alyd"Wit acmurt Or to Pmwss the Pgy7ert to saedktan wbDi. When we use hnorfwtton from yordteek to make an slaeaonC fund bower, furds may be wihdmwr framyouf dpori accost as soon as Uw same day we reoeke you Payment ani you Wd not recekeyour C-M* back from your twonco UnNU on YoraWratragdr Is nCt i nNed bymadawonnor clock. we rtay r esubmt and eeclnnkay weed reamed paymenis, 9. Batnpky. ¦ you are enured to ba itrupicy prolections for yoraccout this Caffllkflcawni is Only for tlbflfaOD'ta purposes. It Is n 3t an SUKW tocoaed, amen or recover a debt a claim Lb rot sad ay payments drecilllb us without speaking with your bran*W aerrey or me Ba touptcy court a you Want to CCltat us about your account or your baraaup Y Proeaedrig. Passe have your attorney contact as. 1UL UNG R13iTS SLRA44RY (n Can of Errors or Owakns about Yar Be) If you mks your lots is wrong, of you read moor kformtbn m a transaction or bat write to us ulna sepaab atwetas soon as looAfe age address tor inquires shover on the frot o (ft Classroom we must rleirimmyou no Mwamn go days assn .send yondrflat bat onwhich t to error a problem appeared. ;/w cen cea our CLeomer ROUNIMM nu'roer or no* nor by afar a wsbsle, but d kv a* will rot pas eve your riginte. In )roorlalbr, pMe us fleaad!rkg iforrrrtefdt: yorrnerre and account rermber, the dow Mmout rife aapeCad 9=1 a doemlpWndineemrendan rsaplars- rpossiblearty you boiwefw o a m error, m f yw vW owe edanuin a dbeafpliond Iha llanyou a. urine abou. Yw db null have b pry art' remorrt in quwalbn wNewt as irwflstgaairtg t. Sot yw m sus obligated b pay to pace of y= bill fat w not In question Wive ore investigate yorquesbort. cow cannot report you as derssNet or tea any action b cvled the andurt you ;l uestian. 'V Spaclat puce for Credit Cad Pic aps myw have a t moble nwth thedaely or popery, or services the you prdu.d wsn a deal cwt ad you haestried to good t'alg?tlhs probern vrsm iM rtetdht, Yw rr? havethe tyt rot to pay me rernrrtg angst drat w the properly or services. You have tit Pmtedien only when No purchase price rem mo.tiwn t50A11 a and the pudmoe was made in ywr ore sae or W#Nn IOD ftdM d your .oM eddreoL (If" own a operatefts rtaeitat aUwa meted you tle adwnbartwm[br Ule propatly akreatlon asCaMondp ppuurchase) M0.) h covaued regards. d stout Please amarttaa' to sign al carespo dance. t DOW ndapply to &Sam aaCo nn, w Privacy probc4on: sea our wwor. Caphal elow d Capita One Is a fe awair egiawed service mirk of Capital One Financial Corporation. All rights vie ved. 02= Capluftllb 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 trip 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 & Credits CHARGE Transactions New Balance Minimum Payment Due Date ??$3,980_18 I-$115.00 * 538.26 $39.00 $3,942.44 $237.00 (DeC. 15, 2008 ?C Oct. 21, 2008 - Nov. 19, 2008 Page 1 of 1 R FACE PAY AT I FAA TaS AALYINT Visa Platinurn Account 48623871.78434636 Your Account Inlfomlation TOTAL CREDIT LINE 83,500 00 TOTAL AVAILABLE CREDIT 80.00 CREDIT LINE FOR CASH 83,000.00 AVAILABLE CREDIT FOR CASH 80,00 Finance Charges (Please see reverse ku mpor is i nbrtnahan) Balance rate Pem be Corresponding FINANCE applied to :ate APR CHARGE Pudeses S3,99497 003192%P 1165% 53826 Cash 5000 004W% P 16741,. 50.00 ANNUAL PERCENTAGE RATE applied this period: 110% At Your Service • Go b w wtcwd-dxwa m b mmgayou womt, - or Wt 1300803-637blepodmiyAmdobncadasm*bQaAm Rehbow ® Pay online eLwimmtabrlecanormalyolrpyarentu capital ore Be* (USN), NA • P 0 Boc T1053 • Qrabm, NC 28272-1063 Send Inquiies ID: Capital0-w P o Bm 30295 • Sri Late Qty, Ur 841MM Yayre behind by ole payment Remember that WIN the mnmxn payment by tle due date keeps you account cxrenl So make sure you send in the minimum payment to keep ywr accent arrrent Payments Credits & Adjustments 1 17WOV PAYMENT 311500. Transactions -- __-- 2 14 NOV PAST DUE FEE 519.00 Your account has gore over its aedt halt. To avoid adb6onal averlund fees, you should pay more ten to Minimum layment Please pay enough to b•i g you wcou t balance below your eel limit mmedalehj, and make sure your amc nt balance remains below you credit knit Please be sure the amount you pay ammits for cry MW phrctwwe fees, and fiance charges You were assessed a past due fee because you minimum payrnert was not received by the dL* date To mid this fee in the future, we rncommend that you albw at least 7 ti si ess dWs far your mremun payment to reach Capild One ® Han a question about a charge on yow statement? Please rater b the Burg Rob Summary on the beck olyou statement or visit www ^andbociaaN imCaPs 7910547 .. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LAG ON TO WVWV.CAPITALONEiCOM TO MAKE YOUR PAYMENT ONLINE 1 4862367178437838 19 3942440115000237000 Account Number 4862-3671-7843-7838 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- 2008, $3 94244 $237 00 15 it's fast, easy and secure. C , -J O Pay orhne anytime-no more checks, stamps or clutter PLEASE PAY AT (FAST THIS AMOUNT 0 Moving? Change your addres> online or on the back 8 Help save the planet Go paperless #90325D7260269631# 0 Sign up at wwwcapitalone com JANE 7ULLINGER 105 FOGELSANGER RD Capital One Bank (USA), N.A. SHIPPENSBURG, PA 17257-9704 P•0. Box 71063 Charlotte, NC 26272-1063 1111'I?1'I1?1111'??'EIIIIIIIII?II1L11???'I"11??1'??1?111'??'ll I. 11FF 1 .1 F IIIF. I .. .I. d .. . Please make checks payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. Capita; - what's in your wallet? LET'S TALK - WE'RE HERE TO HELP. 5OW09 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. !=I 2610 C l.pital Oae Se,ola?a R (;rpital On: 1; , Jed ;r 1411-;gmwird sermee m:vk. ,all rrgLr, reserved. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Paymet Due Date C$3,942.44 - $0.00 * $78.00 - $4.058.4 $354.00 Jan. 13, 2009 1 Nov. 20, 2008 -Dec. 19, 2008 Page 1 of 1 PLVSE.eY AT L W TO MOM Visa Platintan Account 4862-W1.7843.7836 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 YoI'r-- botrird by two paymer*3. Lens talk. If you're having financial drtfculti-m and can't make you mini nun payment - we want b help. Lens work together to id a soulnn. Payments Credits & Adjustmeltts Transaclions 1 15 DEC PAST DJE FEE $39.00 2 19 DEC (NERLIMT FEE DEC 19; 2008 539.00 Your account has gone over its cre6t irtt To avoid aditional overimitlew, you should pay more than the lvinimm Patmoert Please pay enough b bring your account balance baba your credit link mi nedately, and into sue you a=rd baknce remains tabw you credit init. Please be sue the amout you pay amts for any fiLre purchases, fees, and (manna charges. You are a valued Payment protection customer and may be eligole fa berefits to be paid b you account per the terms of your Payment Protection agreement. Ifyou have zpenernced an e" loss event, pleese cal Starnebrid3e Benefit Services at'IMB-5Z71i904 b see 6 you situation quaifnes for benefits. You account is 6D days past due and your coverage will be stspendad 10 reaches 90 days past due, as stated in your Payment Protection agreement You were assessed a past due fee because you minimum payment was not received by the due date. To avoid this be in the fume, we recommend that you allow at least 7 business days for your Tinimum pWniat to reach Capital One. Finance Charges (Please see reverse for impwtiut idormation) Balance rate Pe.- ocic Con sporcing FINANCE applied to rate APR CHARGE lurchases 53,957.26 0.03192"x. P 11.%% S3739 Cash $0.00 0.04587» P 614% $0.00 ANNUAL PERCENTAGE RATE applied this period: 11MY. O At Yar Service-Cbbm,w.caoi4stremmbrnaegeeyu xcanl or Cat14DO- W37breport alost orsbhncard orspealcbWsbmr him ® Pay Onfine at or matilyo r peprmt b. ,,pfd Oro Back (USA), N.A. - P.O. Bo 71083- ChabOe, NC ffi72-1093 A SeW Inquiries W: Cipisl Ore- P.O. Boer 30285 • Sat take ay, UT 8 4 1 3 11112 8 5 ® Have a question about a charge on your sbbm* 7 Please refer to the Biftg Rights Summary on to back of you statement or visit www oaoitab'e catJdixrdes PLEASE RETURN PORTION BELOW WNH PAYMENT OR LOG ON TO vAVAV.CAPRAIANE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862367178437838 19 4058430115DO0354006 Account Number. 4862-3671-7843-7838 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- it's fast, easy and secure. Jan. 13.20019D $4,058.43 53.54.00 C:= 0 Pay online anytime-no more chicks, stamps or clutter. PLEASE PAY AT LEAST THISAMOUNT © Moving? Change your address online or on the back. ® Help save the planet-Go paperless. #9035507260269638# 0 Sign up at wwax.capilalone.com. JANE ZULLINGER 10S FOGELSANGER RD Capital One Bank (USA), N.A. 791 0547 SHIPPENSBURG, PA 17257-9704 P.O. Box 71063 Charlotte, NC 26272-1063 1 1 ... II I' 11111 -I -.1I.ll I1JI 1111Pill 1 1IJII1I JI ( I ' IJ ? I JI IIIIJII-111..1111?`II'Jllllll--111111"ll•I,JI?-q--Jlldlll'JIII Please make checks payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. JANE ZULLINGER 1. How to Awed a Finance Charge. a.Orece period. You we have a m"Mm gmw Period Of 25 days WNW finance, chaW M newr purchases. new bdrmlresrers. rot apwd purchases and now other changes l You payYour tdal'New Bawww, in accordancewith the, Imported Notre for paynods Ixidv, and in tme, for it b be or KW by your paprrent due dada. There is no, PAM period on cash tdvaems and spacial transfer. In addition. Bars is m grace parted on ary transaction IT youW not pair tre blue 'Nsw Bndred- b. Aemniq Fiends Change. Transactions %, ich are not subjectb a grace period a s assessed franca chaps 1) Irom the date of thrirnsaddn or 2)flo n me der the transecWrr M processed b ycurAcoount or 3) rwnrw first CWdvday of to Moan[ bring period Ad7tlNOW. eyou did not pay do New BW IW from to previous your being period odr ? ir.7 urWff" d*Wg MO" to ntil the balance Is PWN to n ML Thismete rat yid my stillowawiam dardes, Bran fyw pelf teentee cow BoWm kxkoWm to hoot d yw stoWnwd tyro pymt dusdab. btd dud net db eefbrte POftO moron. L)rpadtneres eMgM are added late appnaob segrhent d yarAc=xt c. urinal Finance Charge. For aso n taring period that your account is sutloct to a fiance change, arnarr in loud FftMgCE CWLROE of $D.50 WE be nposed. d. TelFpofay ROMMIlon In Finance Charges. yye reserve to rigid to n A assns any a al Rana charges for any 2. Aearage 04* Brow Onclueft Nov Pudeses) Fnarca charges is calculated by m lt"Ing to dWy balance deach eagtant of your accout(e•g., cash aWarm, purchase,, special brwfer, and spacial purcham) by V. wmsporiq ddy periods AMOO)ts iva beat prevousy Qecbaad loyou Ad t'ne send desert dry durig the pang Perod. we gift the coy perbde raw or each segrrt of yorada-out b The, de* berm d each sreptolt Than at the and d the bgNg perod, cow rod up tie nWbd it dWy OMUWADM to Wks at Your psrbde Vatm oragsbreach tagaal Weaddupthe nanlii nomwohor;t entbarrkedtelotelparodic finance ddFga faywsOODUIL 70 981 to day bala"fa each segment dyour account, we take the baghnh balance forownser art aid tall art/ rmaaseelbra rd art Pgrioac Vane daige wolagwd m tie Prevbds day's balance for that aegllalt We ran subbed WIY payrgans or M Podad as of tat my thalarte albcated to Val segment Tts lava to to separate clay bakrmfor each sa¢raat of Your account. However, gym pail the New Be1tRe shown on your Previous desrnent In full (or 9 your now blob" was zero as malt ancut), new, trwwwdbs, which post To your purchow or special p rchase segmias are rot eddbd btlo day eeereaa we COMW the WWW salt bsYrm by audg are The day balances together and dgvidng the sun by the terrble or twits n be mores b&V cyeb. To recutbyoxldal rFOM MOW MAW your weerag, day baWm by the dell peronto 09 NO by the MMM of days nt the being period Cos b.0marp on a Gry barb orate b rrrnun rnnce daps a6mwm%, teas Ray law a varsity beh"Ontis calculation and the env" dVan ee crania actually assessed 3. Annual percentage Rates (APR) a The term "Annual percentage, Raid" rtey appear as "APR' on trkad d tells sulernett b, a law =do P (era nary P"), L (Cluattery LJ-D C (purlaly CO), a5 (Baracwd Prim) appears on the front d tlli sutrnert nod to the perbfac rat(s). tie W WO rats rd conespwrFng ANMNLL PERCDI TAOE RATED nay vary gLmMV coal may nerease adecrease owed on the stated 1020110, a fwd n The Wall $"at Journal, plus Mr. wrgh preinusy disclosed to you These dtagn well be diecine on nerd day of your batty period covered by your peefode statement enWng in go nv ihs of January. Ape. Jury and Odcber. e rthe code D Pb'aei' Priem} F Ntrithy 1_113M. OF 0 nenext 00 polub rat(s), g on rs the front of periodicr? s and oae6pont lg ANWAL PERCENTAGE RATES may vary ffmnu y rd my increase or dsorsese bawd on the sMOd edloes, as, cud In The Wag SlM M Journal Pas the ,,_Uit prevbusy docbseci to you These changes ova be effect" on Us WA day d)eur bmv parted each monk 4. ANGWRWt Of tits, eOtartrd anti Related I'e)raeit Foes. lrndwt the lama Of Your MWOMa¢srred, we rasarege rightlowdve a nstb asses ay reaswtiheur prior nd6cdlon b youwahoutwelvinp o rr®ht o assns the a" rrsimiirom at a WrMhe. 6. Merbashlp Fee and Rmeweg Yore AfCOUnt. f a menprWpaea applans of tea statement, we will credit the ree IT you Mgwadb close, your amutwihin 30 drys of the 11030 g alts sft n You may controls o Iselha acwure dung tit 3Ddy prod barxeyour Itgnwat If yid dornat pry e• chapss owed onthis e=ountwith n ft0 drys. a f yM usywaVo eWd a arms SWYM MTAM to dow, any membership, fee proviway waived nay be renslawbyouraecari. e, Coserg or Susprtdinf Your Account. YOU MW -IL d got your account be coed by cadrq awreg our CMWW Rotate Dapedneut. Attwtrne dYour raWnt wawa praridayou with adAbled Mars on closing your acswt. The my I caw PWffmt ktwnuWm 9YOU use yorcredt card recharges poet b your acCMnt after You ask rs to close Your account. ova can keep your account open or reopen L We tray dins Of suspend You account and You rigid to obtain credit. We they do this dry tern and for any reason, even fyou am riot In d oMuL Asspension dYw accout con bspemanert a[elrpaary. r yMraccourt is closed or sspwl*A You met sop using Your cradil cod rd @= reL You must alaoeaned ON Ptrtlurized bldg erragernats b go awMt We we not dotes for yea r M dose apw7ww y arspeM your accouw, YOU rest also destroy eg MM Carrie ad acoout accede CVCIR You rapt stet pry al smuts you owe us on ter azvut arm it they mra cl-M dbryouaccart s dosed or SUWKOOCL T. MakhV Payments. Paymentsyou mall to ua Will be Credited 10your- accwt s Of The duress clay we recelre L prodded (1) sea sad the bottom portion of 0* statement ardyw dealt n rw errload rwnnrce erwe" ad (2) you- payrrent is waived in w processing center by 3pm ET (12 noon PT) Please allow at Isst ere (5) htanns days to pdoW d *M. Pyrats received by us at ay other location a in any Otheferm MW not be crated M alter dart we receive rem Or business days are kbrday trough s. Notice Abort Etecimnc Ctwck Cwwersbn. When you p'dwkb a deck as pay" t you alah orire ua .it a to use etanaton fromyorrcheck o natty a one4ime electronic Red tweeter from yowdeposit account or to p=Ms the patmwnt as a clack transartlo,. When m use Irfatatbn Iran Your check to malty an electronic- fund Vanier, runs cony bewehaawn uomyour deposit accouY as soon as Be sarre dry we receive your payment. wrd you wel not Fawns Your Cn K beck IFOM your Irarpd i s'IYulbn. Your aWwliation is not Vetted by the dale on the Chem We ffW resul t and dedr7waly txeect relurred pai nests. 9. BanenpW. r you are entitled to barepuptry pFdecrora for yoi account. the, din TRmmdo i is only for rte ndevial purposes. dMAo lain Do not nota?t MWt$ "C* le a wBdrt spsdd Mwithyo your bankruplet, attorney or Do Beneouptry Cast if you wart to contact de about yam accwN oryoubanlvtptoy Praceadng, Pelee ha+a Yw aramey contact a. tt3NJJNC R13 M SLAWARY (in Casa OF Enos orO stars about Ya SIN) ryou ft* your oN is wrap, or ryou swat move Information on a traeadiws a bit, VWW to do m a sapaat deal as soon M POSbb at the address for kpalfse shown on the Pont of des staorton. We mot tw rtromyou no letter than 8D days doh We area you the and a m which to Wroror problem appeared. You con cog wCUstpmr Relations re'+noer w reality us by enal or wabsk. but doing sows net pnesrveyour rglb. In ycurislMr. gelswtafo*mkgW orrrah n: yorFaraand aRVrR hunter. te, dollar amass of The, suspected error. a tleaMpbn or the anaand an atplandbn, IT possible, of wly yid believe there is an eleOf, or Iyou road tore vtcrm e0 n. a deact"Mof Be IMM"ax, unsure abort You do not two to pry try aerate In question while we are kww Barg t out you are add obligated to pay to peas of your be that are not In question. While we investlgat ycaquedim we cannot report you s dwBquat or Wo aro action to, collect fe anourt yid dpedion. t Special Rule for Credit Card Pachases, ryidtareapbbem withthedYaYy3fic, cryaservices that you prrdnesed with a cra itdwU and you have Died in good fainlocaredthe pea I wartlinemerchant,yidmayravethe rigtcotbpaythe.m.ski amdradosontinepropata swic s.YM hevsts protection omit, when the purchae, Klee was more than $50.OD and tie purchase ws merle in your horns dew or within loo miles or your maaeg eddasi (f we own or operate the met:'lart wITwe indeed you go adkmhtrendntfor to popsy or servic", air purchases am covow rega Ses of artouta location of purchase.) case rertentrar to sign a1 Cmaspandance. . t Con no( apply to business axothM `Ata all One Supports inbr-MbA prevary prdtediar. eee our CephWOleeawyery.09 Mled serviceeea-kd CapitlCne FinancialCorporation. All rigs reserved. o2DOO Capilad One Changing Address? Address. ............... Home Phone............ Alternate Phone............ 7910547 E-mail Address Please print address or phone number changes above using blue or black ink Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your 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 & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,942.44 - $0.00 + $37.99 + $78.00!=? $4,058.43 ) $354.00 Jan. 13, 2009 Nov. 20, 2008 - Dec. 19, 2008 Page 1 of 1 Pisa Platinum Account 4882-3671-7543-7838 Your Account Information TOTAL CREDIT LINE $3,50000 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $000 inane Charges (Please see reverse br rmporfant information) Balance rate PerW c Carespondrg FINANCE atpled b ale APR CHARGE Purchases 53,95726 003192%P 1165 537.99 Cash $000 0045M P 1674°4 SO.00 AIWUAL PERCENTAGE RATE appkd tlis period: 11.69% Q At YourSerAM-GobwmAmibMxownbn wpymraocarA Or CAI bmputabstmstakncad Qspeakboabiw Rehivs 0 Pay Oninea t ormdprpymo*tx OpAW Ore Bait (USA), NA • P O Boa MOD -Owbie, NG 282272-1063 Send YrquIries te: Cape! O-w P D Bore 30285 • Set Ldae Cly, Ur 84130-M ® Have a qunthn about a clurp on your stirmerV Please refer b the Brlfng Rghls Summay on to beck dyour statement or vst PLEASE PAY Ar lEAsr Tms Aw-uNT Yottre behrd by two payments Left talc If yaFe hwN firsanctal diffrullps and cant make your mrnmum payment - we want to hek> LeN work b3-0 Per b find a solution Payments, Credits & Adjustments Transactions 1 15 DEC PAST DUE FEE S3B 00 2 19 DEC OVERUMIT FEE DEC 19, 21X78 S39DD Your amount has gone over ds crack Ind To avard add" overland tees, you shouts parr more than to Mnmun ?apnent Please pay enough lo b'rg your account oak" below your crock hart rnedetet7, and peke sue your amount balance rema s below, your cre* Amt Please be sire Ate mount you {ray accourb for pry future murcItam, fees, and Bnance cterges You are a w*W Paynrat Proteclan ctsbmer ad aWbe all" for benefits to be peed to your account per 8e terns of yoar Payment Protection agrearert. If you have Wererced an ekfi* low event, please cal Stmefttw BensTd Sewme at 1-St18527-D904 b 3m i yar 3*AbDn ?sYfi s for t enefib Your azeunt is 60 days pest In atdyrnr coverage will be su sperded it maclm 90 dWs past due, as staled n your Payment Probation a9vemert. You were assessed a pad doe lee becase your mnmtm pWmert was not received by The de date To arord this fee n the We, we recanrnend Mat you allow at least 7 business days for your minmum payment to reacts CWW Ore PLEASE RETURN PORTION BELOW WITH PAYMENT OR NAG ON TO W W W.CAPfrALONE COM TO MAKE YOUR PAYMENT ONLINE 1 4862367171 cap;"( 1 Account Number 4862-3671-7843-7838 Due Date New Balance MinirrLm Payment Amount Enclosed Jan. 13, 2009) $4,058.43 $354.00 PLEASE PAY AT LEAST THISAMOUNT ;437838 19 4058430115000354006 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. ® Pay online enyt,rn -nn more checks, stamps or Butter 0 Moving? Chance your address onfine or nn tine hack e Help save the planet Go paperless #9035507260269638# © Sign up at vvwvv capdalonc com JANE I.ULLLNGER 105 FOGELSANGER RD Capital One Bank (USA), N.A. SHIPPENSBURG, PA 17257-9704 P.O. Box 71063 11111"'III'Illll'I"11'11'11111111111'llll'llllllllll'I'I'I'1111 Charlotte, NC 28272-1083 7910547 1111111'lli"11111'11'1111111"111111"11'1'ili'11"11111111'llll Please make checks payable to Capital One Bank (USN, NA and mail with this coupon in the endosed erwelope. Capitals what's in your wallet? MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. 5000-0 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. 63 2008 <s/,;m10- S-:u-, F,;e. Lu/rtra! CJ:xr i.; fr?lw>:.11y n,4r,trrrd u•reirr r„n!•..1ll n?f.n ?r:rrrrL PrrAouts Balance Payments & Credo FINANCE CHARGE Transactions New Balance Minimum Payment Due Date $4,058.4 $34.26 * $39.00 = $4,131.69 ( $429.00 Feb. 13, 2009 Dec. 20, 2008 -Jan. 19, 2009 Page 1 of 1 Visa Platinum Account 48QJ671-7813-78J8 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 Yahe behind by lh•ee peyments. But you :;an bring your axrnnt current by pa#9 the mn'rrxan payment amoot an your stalernerk If youre havirg Insimal c ilrrul6zs and youte felt o?e xhei r9d - we mat to he¢. Give on- of our associates a cal at 1.BOD.955.6600. You d be surprised what we can do bjecli r b work his out. Paiirmetts. Credits & Adlustments Transactions 1 19 JM CVULMT FEE JAN 19,2M S39.OD Yam accent has g0m over its mclid knit To ayad addlfioral orerrmt fees, you should pay more than Finance Cha see reverse nor important irtormaton) tges ( tte k6rirr1101 PWT- t Please pay enough m b vV your accwtbelen a below yea neat limit Balace rate Pe Mid Cormspondi g FINANCE mmecbtey, and maka sure yo r m=rt balance rel,m below your aec t tmk Please be sure the appred to rule APR G ARN aront you pay axaals for any We Purchases. fees, ad finance charges. Purchases 54,674.98 D.02712% P 9.90% 53416 Cash SO.00 D.D4107% P 1499% S0.0D ANNUAL PERCENTAGE RATE applied this palled: 999% O At Your Service - or Cat 1-090.993-3637b report a bet orsbhnc"orspo bOAxnr Items 0 Pay online at mw opoislomorhor malyohr polinerl b: 2CVOro Be* (USA), Rk - P.O. Boor 71053- dherb se, NC X72.1083 A SOW knuirles tx C*WOne- P.O.Box3085•Sell LakeQty,UT941 LM% ® Have a question about a duarge on your statement? Please refer b the Bilrlg Rights Stmnnimy on the buck of your statement or visit WW W ro obbi'm.co rrdrsauies PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVIW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4862367178437838 19 41:51690115000429007 Carpitad?( ne Account Number. 4862-3671-7843-7838 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- Feb. 13, 2009) $4,131.69 5429.00 F it's fast, easy and secure. e Pay of line anytim-no more checks, stamps or dutter. PIfASE PAY AT LFASr THIS AMOUNT © Moving? Change your address online or on the back. ® Help save the planet-Go paperless. #9002007260269638# © Sign up at www.capitalonc.com. JANE ZULLINGER 105 FOGELSANGER RD capital One Bank (USA), N.A. 7990547 SHIPPENSBURG, PA 17257-9704 P.O. Box 71063 , 28272-1083 CharLotteNC 11,111111111111111"'1111rr1111.11111'II'1'Illl.lrlll, llll'1'II'1 1 11 1 1 Ills I .. .1 1, Illlll 'I "II 11' 1'1111 1111 111 '111' 1 '11111111'llll Please make dxKks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. JANE ZULLINGER 1. How to Avoid a Finance Charge. 2.0mc, Period. You air hall a mitimum glace period of 25 days wow France c ergo w mw puchasas, raw babrhce Uaro(ers. raw special pumhmea a'd now arse ehargea f You Pay Your toal 'Flaw 88laneg', In accomi lW win on, Important Notion fa paynana tallow, and in arts tar to be cadaad by your payment due dna There is no grace powd w tarn advances aW special i amaa. In alil'on. Vent, is no grace period on any Iawactbn ryou do not ply the loM 'Thaw Balsas" b. Accruing Frwnce Charge. Tramaetiom when am not subject b a yace WW are assened Ounce cha9e 1) tram to data of Iletareacton or2)fvm he data Ire traMWaon Is proaasW bYour PCCwi or 3) fMtthe first calond r day of ran currant bate period Additionally, ryou6tlrotpynn'T4evnBothellf nn topevbm tamp period In Oft franca, cMga CM&M to MOM to your aped peace uth tta urPM beham In peal lo ruL Thin rental that you may *11 own fiance climes, even ryou pay to airs New Balance ndmtadOn to front or your statement by to payment due data. but rid not m W tats Pia rnaM. LAhpaid Man change ale addW bn?abp"W sagMt al yvrAC:OUII c. kalydm= Fkwm Cltange- Fdreedh bWM psbd vm your account In sbjed loof ni ncechamge, a miirtern trial FK WCE CWPaE d1D.5D Wi to h mOd. d Temporary Reaaslm in Finance Changne. We leave the fight to net aseem any r.thence deist W any jl (hcludigi New pticamea). Mps.In=.tLi odyMLMP gteclay b@Wm ANON seg'Mnt OrYaraaaut(t.¢. M" advance Woman, . special Iamfr, and spacial purchase) by ran conespoix" day perI I aaWS)Uldh m been pwhray dtCbstd byoa At be end deachdW dump fie hike paid, we VA* nth day peroft fan lea Once stgwit of yon account to to dab balance death nostril Than at ft and of 00 baerg paid, an, add up the neWla of these day CdPANors to arrive at your Penlo- niece ctagefr each agnant. We add up nth nwafrom Own sertent to artlw erne total p we rimy diefgs favour w=Nt To pet uo day baw"fr arch oWnentAyor account, ee tea tha begiaag Lateran ear eats rapnwi and &M any newtaeacaws ad any parodic true chagn abuarW an the Pewus day's balance for tad segal l We than subbact any payment, reads peed as of that day Und we aEnled lonfidn"l TIN ghee utenplaedliy baInncebr sedh segMK or your Wmua wwaver, gym Pad Ito New Bakker sewn on your previous tta menL in full (r it your raw trance pea ono me cudi amount). new ha in call Which pod to your pufdhaer $PMW puehar asprenb a tot added iota dray, celancca. We alum the awMJn dlay haamn by eWh 9 an ran day t e en ea towrtar and dwidfg the am by nth nutter of Va days h than amen alp code. io teuataycrloal f mfr= c a fig-, mulipy yourannageNy balance by the day pride rata and by the nrrba Or dye h 90 bap pace Duetrouldng wadayfossrd ttorManMn rrarcechal Gaaamntt barn may to a MIMICS beinleen tars calculation and the OTC" Of fiance chaVe actually Invested. 3. Anneal Percentage Rates (APR} a. The brim "Annual Paeeftffas Rate" may, appear as'APR' w i a from d i.'b outeml b. a the ouch P (Qlartay Plhnv, L (Quarterly UWRI C (dlcaramyCO).rS (Bea¢sd Pd-)eppssonVePont of the statement mat 1010paro6e mill to PWodo Ides and comeponddng ANNUAL POICENTADE RATES may very quay al and may Icnase or decrease taaed on an sated indicate, a rood In The Walt Steel Journal plea the Ill preebusydiclcea0byou.Those denge, wi N elective w the Way A)vu bang period coveretl by your prkoac staiwrat arrig in the moMa or Jassy. April, Joy and CAdber. c. erne code DOllio yPrior),FWorthyUS.M.aG (Treauy IJBOR) WPM on do rt Of your saenent nerd to the perode ratel the paiode main and canapohdag ANNUAL PERCENTAGE RATES may vary monthly and me, locnw or am"" band w the stood maces, n loud In The WAS Stmet Jon W, Pita as tergn pnvoay dockland 0you. These ctigae Will efeclive err fetid day dyo r b&V far l each mo 0 4. AMNaffMt Of Lae. CM (Fmit WO Raunwd PSYMNS Fea, Under the lWM of your CtOMWepdarent an raelto night to waive or not to are ay rent vvacu Mix mloHkabnbyouwihoawivkp ear rf?db area the gems rsnaarfela at a OVUM 5. M embel FN WO RMawrp Your MWUfL IN a Imntsaypir appal on NO stallarneK an VAN credit the fee ryou equestlo close Yo r arcu f low l 30 dos Atha taring d This slaernnL You myeanUnur b unfta wcouioelrpale30d>bperiod it YOWM*NMLryou do rot pay al c hgnga owed on thiseeouuitwah In W days, or if you us you meal card or account aperyou rareato doel any mwd*rj* fee pwtosy wetved may be re,m I to Your OCCOLInt, 6. Closing or Sapmill Yo JWCOUL You my, must tat Your account be dwo ty cawo swing our Customer Recline Department. Mtntkroof Your MWOL we wi Vmkbyou wih adfoW ddett en I --your account. This may Include, payment 1RmauL ryou ue your MM card rchages Poe to Your OCCOUnt OW you Wk us to epee your account. an, can keep Your account Open Or ncpalt WenuycloseasapadyOu aavull aWyear ngltb oral refit WB my tb meet eyltre andl7ray Haab, weir f you w not h daaii AaupMOn Ayrr accraa an ba pananart riempohay. t yorracvut a closed or suspended, you muR atop naafi your MA and and account. You mst ado alas all peatcfimd bring artagandrb to to aowunt We will not doaasfryou. If we ckhse rps'fafeny PARWOYour account, you mast also destroy an Credit dads and account amour checks. You must std pay all amounts you Inn ue or, toa;co rd. went they "M verged enter your accraa is closed or susparWed T Mang Peyrena. Paymaa you mod b Ina pea be ceded loyorxcvuta Otto ragas dy ale newel i provided (1) you send the boarn Paton Atha stabmert and your c ecklo to encloned mff WWhw awnop and R) you- payment is meowed in orpdcasslop dram W 3 .. ET (12 now PT). Pker allow of bag five (S) busies days for postal dal Payments received by u nay cler loalbn or n any cllbrbmn may not be credited an of to dyne moshe them Or Gahm clays w Mundy VMagh 6. Notice About Electronic Cheek Convention. WWI you p'ovidr a check an farwit. you athWm a etw to"irfor atim homyorcheckto malty a ona4ima electronic turd Vanstaflomyourdepwit soeort ato processthe prgrrwf es 80" lraraan;ta . When ire use hfbrmatlrh from yorceck Weeks an elactorrb rand tamfa, lrha may bewithda"Itomyou deposit aavui as noon a as same day we nnoel, Yom pat'ffaa. and you wig not reolYour check back6om your Inntn ce, nenltoR Your auaertation In not *MW toy Iho data w be check. We may rewA ni and eacitafcay, cobct rebated Payments. Bankruptcy. N you am entitled to barkA4*y proaeliore for yQ.r acorn, nth COnRRfl =Wm it only for itrmu§XW pupoeal it k not an attempt to collect. Instant or recover a dabta tarn Do net send any payments dkecly to us without spealunp With your bankruptcy tlbney rte BaWupay CorL r you serf el contact to no" your accent ryorbefhnpby proceed". planes have Yam atrney contact us. tSWNG R13iTS SLAhVAW (lo canal Enos WQASMU Apra Yor tall) ryou U** your Ina lee warp, or fy ou red non kfcfmabn on a trenstctbm r loft. wrsb u nth a snpaata ehaa a eorn a poesifs atthe acts for inqurla slcaa on the float oftts statement. Wn mat herlnrnyoll no Mwtm OD *We r/M war serfyddnaRa lollwhpMwfeertorrpnobInnappe red. YoumatorCMMWROkWmm rrbwmanyMty eras r wsbsfe, but dbkg wwi mat pevawyow rWb. en your Intr. gee a to foeO,rp kiforna LyorraM and axomrt nMirba, the doer ano"Or Vw suepcbd root, a drripbndron aemm"ndbn,rpsstta,or%" youbebwnaebane ,,rfyoumad Ionktxffwi,a doeMgbn d the clam you» aateeaboul You do not have to pay any aMUtt in gwoobonMYMwa wkwestDOg L but you w era oblgaW b payt o pals d your bi i atae not n giaafrL Wive ale im7etgaa yorquiaioq as cannot report ;tau m deaquaf r alleary actin b "lli C thearnurt you *Mhon. t Special Rua for Credit Cad P ac ases tyouhaleapoblen, wthtoquay Apineryre i, tatyou purchased with a cad and you have tried In good alh bcwW VW WQWMwtl eta mafrara, you my ham et, 1glf sotto py than Mrakag amount due, on ala properly or NfVICa. You have t* protection any %~ to pachae pia ,was more, than $MDOad tie puehllfe wIn nad?bYar wre, sae avian TOO mfr dyer malinp addrass. (If we oval or operate the na'chat, or If we mid yo.n the :adwNarrMnfrgo popery, asavow all puretwa are oovered ragaNans d arena or location of purchase.) Pbae mmember to all ON comapndncs. f Ol notaopy b buthess vocouMS Capita One auppo is Momdon printer poach: sea ear iwbae afMYA". C ptelone is s lemay, morwwsenlae hex of Call om 9rOWN Copaabn. All nib wened 02006 Capital CYe Changing Address? Address ................ Home Phone ............. Alternate Phone ............. 7910547 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 (gaper 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 & Credits CHARGE Transactions New Balance Minimum Payment Due Date i i C$0.00 * $34.26 1* $39.00 =i $4,131.69 I; $429.00 Feb. 13, 2009 J Dec. 20, 2008 -Jan. 19,_M9 Page 1 of 1 .- UM 1-- _1 Visa Platinum Account 48624671-7907836 Your Account Information TOTAL CREDIT UN E $3,50000 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $000 PlFfSE PAY AT LEAST TIwS AMJ Yoctre be" by three payments But you can bray you aooaalt current by payrg he mrrttum payment amount on you statement 9yoihs having finatical dificukres and you re ta.irg overwhelmed - we want b help (five xe of our associates a call at 18W 955 M Yaid be surrrsed what we can do together to wor i this out Pavtnents. Credits & Adiustments Transactions 1 19 AN OVERLIMIT FEE JAN 19, 2009 53900 Fnanee Charges (Pl?e see reverse for rrpartart informal" You amount has gore over its credit Irnt To avoid addr" overlie t fees, you should pay rtnra than the Mrwmun Payment Please pay enough b bang yxr account Wince below your credit hind Balance rate Periodic ConespondW FNANCE maadatef/, and male we your amount balance remas below you credt hint Plane be sue the applied to ate APR CHARGE amount you pay acccuts for any, future purchases, fees, and Trance charges Pudases 54,07498 0C2712%P 99D% S84.2'i Cash SO 00 004107%P 14991. 5000 ANNUAL PERCENTAGE RATE applied this period: 9.9D% ATMIL O At YourServka-Gobrwwradabreembmaageyour meat, or G! 1 00.9033637 b rqut n lost or sk4a ardor spaic b Ocabner ReW ons 0 Pryoninea mwvcmdrbnecomormeayarpWnrttx CWN Qs Bank W), NA • P O Bm 71083.Oiatcb, NC 28272--1083 A Send khgdrles to: CXtal0-w P D Boic 30285 - Sat Late City, Ur &41300245 Have a question about a charge on yow shbr AW Pleew refer tote Bdkg Rghls Sunmary on the beck d your staternent or visit PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVWV.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 7910547 1 4862367178437838 19 4131690115000429007 Capi Account Numbrr.4362-3671-7843-7838 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- irs fast, easy and secure. $4,131.69 $429.00 C:::D Feb. 132 W! O Pay orlme anytime-no more checks, stamps or clutter PLEASE PAYAT LEAST T THISAtviWN Q Moving? Change your address online or on tie back 8 Help save the planet Go paperless #9002007260269638# 0 Sign up at wavw caplalone corn JANE ZULLINGER 105 FOGELSANGER RD Capital One Bank (USA), N.A. SHIPPENSBURG, PA 17257-9704 P.O. B" 71083 11.?ItIIHItt?It?Pi,,,I1..Inn'1?1?1.1,•,dl,l•,dl?'lll?'?'Il't Charlotte, NC 28272-1083 Haul.,IL.llil?•It•?lilll..ntlt,..??rt.u?rl?.rn?lnt?•?tl? Please make checks payable to Capital One Bank (USA, NA and mad with this coupon in the enclosed erwekhpe. Capi what's in your wallet? TAKE CONTROL OF YOUR CAPITAL ONE" ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our _free check by phone service or speak to an associate by calling 1.800.955.6600. (il 2rlO.ti LrpaeL O,r..1. ciao, I r.:. t hp;ta{ r) ! --t FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $4,131.69 I - $0.00 * $34.88 + ` $39.00 = =$42055.57D _!W5.00 Mar. 16.2009 Jan. 20, 2009- Feb. 19, 2009 Page 1 of 1 Visa Platinum Amount 4662-Mil-7843.7836 Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for Hiportant inrormatim) BahatCe rate Pe odic Corn sparing FINANCE applied to rale APR CHARGE Purchases S4,148.54 0.02712%P 9.90% S34.88 Cash %00 0.04107% P 14.99% S0.00 ANNUAL PERCENTAGE RATE applied this period: 9.99% c At Your Selvite-Gobm zwWb*=nb-geyar-.nL o Cat 1-900.9033637 b mpat a bdorsbbn call o spade b CUriare- rblaions /EaJ? Pay Online et mwt?bremm v meil)ar pa7nNt b. ?/ Ono Bank (USA), N.A. • P.O. Bat 71083.OwbtL, NC MV-1083 Send Inquirfestb: Captel Otte P.O. Bay 30785 • Sal take City, UT 8413"" ® Rare a question about a charge on your staMttent? Please refer lo the Billing Rgl* Summary on Ste back of your statement or visit www.taoihab-t- ccrr??d=des PUASE -AY AT LAST THIS MaMW You're behind by for paymetls. But you can still bring you account anent by pa/iv fire minimum payment artaont on tar statemerl. Need help? Give us a pA at ttii?5 5-WO - Well work together b find a solution. . Payments, Credits $ Adjustments Transactions - - - - -- - 1 19 FEB OVER'-MT FEE FEB 19, 200E _S39 00 You account has gore over its credit unit. To avoid additional ovediml fees, you should pay more than the Nirirntar PWnenL Please pay enough b bring you accent palace bebw you credit limit inmadi3lely, and make sue your account balance retry s below you credit unlit. Please be sue the amount you pay aunts for any future purchases, fees, and frtance charges. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVAV.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862367178437838 19 4205570115000505009 (aapr. Account Number. 4862-3671-7843-7838 Lend a hand Save the land Due Date New Balance Minimum Payment Amount Enclosed . . Manage your account online today- it's fast easy and secure Mar. 1652009 $4,205 7575 $505.00 Q - , Pay ocline anyti-m no more checks, stamps or clutter. PLF PAY AT LEAST © Moving? Change your address online or on the back. e Help save the planet--Go paperless. #9005107260269633# d Sign up at w wcapitalone.com. JANE ZULLINGER 105 FOGELSANGER RD Capital One Bank (USA), N•A- 7910547 SHIPPENSBURG, PA 17257-9704 P.O. Box l T IhPPIIP•°•IlhrulttOlP•ud•Ihhll•thu•d•Ih"II'I'I NC 28272-1063 C harlotte, I n I t ul., I I I ullll •l ••n d• rldl Iln rtll• •III• I••11111h1•Inl Please make diedks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JANE ZULLINGER 1. Row TO Avdd a Faarbe Charge. a.Orac a Pabd You will have a narirrwm gar-pow of 25 days wifout faan s Clegg on new placlases. new balance transfrs. new special purchases, and new other charges a you pay yarrtotal-New Balancer., n accahargs with Inc Irtpota l Notice lor payments below, and In rmefor it to be narYed by your patrnad due dale. Them is no grace period m cash advances and special transfers. In addition. rare is no gate period on any brsacron rym do rot pay ale oat 'TJar Belrcrr" b. A oMAV Fkanes Charge. Transactions which are not subject to a grace period as asaesaed f nw= chaW 1) from the dale 0 (the transaction a 2) fvn the dab the transaction Is goowaatl toycurAMMJt or 3) f9'llthe fist caMafardW of Ile currant Ming period. AdAlonsey, if ym did for pay the New BahmW from the pnevio s UlYg period In Fur, maceda" cofii? oaccrueo your Ypa1 ma ice, unit rw upad brace is paid in full. This mesa Out you may star owe karts, dames, even ryou pay the n tie Now Bob" ndcaledontls ford of your ste invent by be payment der dab. but did not do soforthe previous monm. Unpaid mace dhargew are added bore sppleabb serest of yorAcoou L e Minsrun Flase its; Charge Far each baling period did your account is salhjed bamanorschefge,ana men foal FMANCE CWYM of $0" WIN be krpoesd. d. Twfpoary Reduction In Finance Chagas. We reserve the right b not assess any or all firsince charges; for ant, given brag Period 2. Average Day aches (Madrdirq Mss Palo pws Finance dope Is oaivala0ad by m ut"" the flay bauce of each "91t it ofyour- account (e.¢, cast advance, peeps % speed tranaar, and spatial puehass,) by re wrmspadkg day prrrbdlo Milaa)rhal hasbeen pmoj* r8dowd to you. At the rd Beach clay during rte MINg period, we W* the day periodic rate for sa-n wipawt or your aorart to the daly balance Beach sest elL Then at the and or to beep prod, we add up the terms of these day oalatrlbns b offive at your periodic, Nance oraWl r Went farmed. We add Lip go fwads romeach aearaio smes athebal periodic raarce charge Iryoramount. Toga Use daily balance for each segment it your aobora, we talcs the boo. ig Mviancefaeach aegmaa and add any raw transactions and any periodic finance Charlie calculated on the previous day's balance for tat segmsrt We I= subtract wW psyrrwfs or credits pored asd that dyne ale ebnled to rte xVnaa This gfvea w Ow sep traladaiy teases for each Segment dYour account However, IF you paid the Now Balance shown on you previous saarwY n fill (or r you new balance was zao aa credit amount), hour tfarnaMofs, which pstlo your purchase a special pschasa segnenle as not added to U* daily belIV1003. We aaaae the tentage my bob" by eddkg ON the day balarass bgatsr and dividing the am by the nrrbr of the days in the current btatp ryes. To calculate youir total filaoccage, frad4*Youawapadaybdac byus day perodk fate and by the fwrbar or days In On bang pebd Due b rc rgrg on a coy bas Or CIA W minimum finance daps assess rent rare nay to a variance between the caaaaion aro the arount draaca cfaye acaaay assessed 3. Annual Percentage Rates (APR). a Thelerm "Annual ParceAepa Rala' nay appear as "APR' on re rr at d l'is slatemelL b. ff me ooae P (QUaserly Pnme). L (Quarterly UUURa C (puatery CC), s,3 (Bare aid Pmho) appeal on the front dvs statartsnt hod to the parodic rawe), re periodic ran and corresponding ANNUAL PERGUITACE RATES may vary quarterly and may unease or decrease baud on it* sated bndcss, a loud in The Wall So" journal. Pl sthenagn prevbusydscos«ibyou These cargos will be affective on the Nat day a yaw bafrg period covered by your pMdic statement ands g in us, mans or Jamey. Apra, July and OAObw. c. N the code D (ko airy Prine), F (Monthly UBOR), a 0 (Treasury LIBOR) appears on the front or your statement nod to the periodic rote(s), the pwb L-rata and canapaiarg ANNUAL PERCENTAGE RATES may vary mnahy and may Increases decrease based on the sated lndoas, as foul In The War Street Journal. pas Use narpkh previasy decbsed oyou. These cllenga wN be affective on gar list day oryar being period each math 4. Awasnai of Late. Ovar ink anld Returned Payment Fass. Under the hems d yaw mnbffw agreement, we reservene right to wave or not to asses any less without prkr rc6'flcalion b you wMmA waning cur VA o saws the sarnewsi rsherbes ata tebr tire. 5. Membership Fee and Rnewilg Your Account. r a narteswhae appears on this statement, we, vN trade the fee rYOU regwstl0 else You a==% WOM 30dya of the rte" of this saonat You may continue to use the accent dukg the 3D OW Pao, before you MWPOL If you do not pay as cages owed on rite annount with n 90 days, a ryou use yorr cadt raid or account aaryou request to close, any membership law pavkhuy waived my be IBM at- byouaxwma. 6. Cbskg W Swprrag YorACewrL You m iW vqL st that your account be closed by calling or wftg our Caters Relations, Derparbral Ad are ems I tour request we will provide you with adflio a details m Nosing your WcvMt. This my Include pymri hvnuwm ff yw use your =A card orcharW poet so yoaacceud ateryou ask w to close YoaacccunL we, cash keep you account open a reopen It. We may close or suspend yar account and your n Wit to obtain CWIL WO rtay do rtes of cry fire and for cry reason, even rYOU are not In delahN: A swpeam of you ecwrt can beprmssi rtertpaay. K yea acconn b closed or suspended you must stop uing you cads card and ao=MIL You marl wo cancel all pmeurddad haft amagenafas to rte acM% We will not do this or you. ff we else aprronently aspens your account, you mast also tlaboy all sad cards and acmut access checks. You mat sri pay ON anouns You owl a on are axvui. am r ray writ longed after your aecorut is closed or asPended 7. k4kYg payments. Pyr eds you frail to a will be credited toyour- account as of the bhsIneso dry m receive 1. Mvkkd (1) you send the Malian portion oft* statement and your checK n the enclosed remearce eoveope ad R) yon payment is recelved in arpocessig caner by 3pm Ei (12 rode PT). Please allow al bat rwe (5) sires digs for pose dOM. PWmafs received by w at antr other Watson a in any comer John may nct be credited as of re dry we receive own ou` business days as hwnsay M. gh Changing Address? Address. ............... Home Phone ...................... Alternate Phone ...................... 7910547 E-mail Address Please print address or phone number changes above using blue or b'adc ink. & Malice About Electronic Cheat Conversion. When You pevua a neck as paYM. IL yw aut hodoe w eit a to use ifamabon romycrceck to make a awti e elect onic fund transfer from yowdeposit account or to P=9113 the PWnsd as a or" IrwMCUDI. When we we Intamtlon Iron you check to make an abctonb Fund tawer, Jugs may be wa strawn from your depose womon as soon as No same day we receive you peyned, end you WIN not rsrswe you CVCK back from Your fkW)M ksrlulion. You authorization Is not Mad by the date on to tack. We Ray ro*ubfne and elects acay aeeet ratrhed payments. 3. Baridnpboy. ryou era enttbd o bericnplcy pro$e lb ns for yon acoo t i, this conmulcabon s ory for katmalfona purposes. It Is not an arempt to coe9CL assess or recovera debtor claim Do not sand any payments died' to as wefsf speaking with your benlo picy st offhey or to Bankruptcy Lout ff ym want to tale, w asout yor accounayor bw*npoy proceedrg. Plaasehave your allwney contact ha tBLLING RIGHTS SLWAARY (In Cale q EROfi acraalias about You BYI) k you think yaw Mal b wrong, or ryou read moe Information ash a banacticn or bill, wire to w on a separate sheet a soon a poesiia are address orirgrirbe shown on us front dries SMIJa arr. We nwt heartmmyo t no lalarthal W dWs star we sent you the find bill oil which to aroror poblan appeared. You aah eN orCistanar Relations mrmoranohry w by anal or wabslb, but d*o wwill floe pesava Your ryhb. In yea Weer gwe us the Jollsoft WomrNion: yoisr name and worn rt nnber, the doer ar out deb suspected arm, a dssmpfoa Or the error and an explanation, rpoasiob, or why you believe lea is an rra: or e you need mate i tormall 'l. a description or the arm you are u sum about. You do not have to pay ry afoul in quearon No we are kxesUp" it, but ym as dal MOM to pyre pa'b of your bar anal as net in gsation. White are investigate Yourgwstbn, war can, report yewasdesquaiahdre and ae9 oColledtheamountyou gaelion. t Special Rule for Credit Card Piro ases I you have a problem with the gway of pvperty or services that you PMhM1Md Willi a aedf cad emu you have bbd in goad lath to correct the problem with the moraat, you moor have the dyt rot to pay the re akag amount der on the "party or serve YW havens protection tidy when rte purchase price was Irde than $50M and the purchase was node n you t[Ime state or within 10D mass d you maikrg address. of we awn or operate On mwe..art or ewe maied you the roved wnwt for rte popery asmvbss, al prchaa am ewers, rat IMO S of MrMt a location of p=h-.)Pbae ran errbrto sip am correspondence. t Does not aopy b bush-- acrouars Caporal One supports afomotwh pwary protve- see ou wabs"at www, Capita Ora Is a federally MAWMd SW i0a rra-K of Capita One FTnanhca Corporation, AN mgnts wrved 02006 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 & Credits CHARGE Transactions New Balance Minimum Payment Due Date $4,131.69 - $0.00 * ( $34.88 +? $39.00 J _( $4,205.57 J - S505_00 Mar. 16, 2009 I Jan. 20, 2009 - Feb. 19, 2009 Page 1 of 1 -J Visa Platinum Account 490--714843.7638 Your Account Information TOTAL CREDIT LINE $3,500 00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $000 inane Charges (Please see reverse for mportant mtometion) Bahrcerate Perak Corresportdng FNANCE apphed b ate APR CHARGE Purdeses $4,148.54 002712%P 99A S348B Cash S000 0.041076 P 1499% SOLO ANIMAL PERCENTAGE RATE applied tMs period: 890% 9i1 At Yow Service - GD lom cmfabromm to merapyar wmtK 7 aDA IM 8033837 to report a Won dokrt cad orsTx*b Hubner Rebtors 0 Pay Online.at"wmpabnecanor malymrpafna'rltz Up" One Be* (USA), NA • P 0 Be TM • Clublk, NC 2%72-1083 A Sad Inqukies W: Cpl Ov P 0 Bat 3=- Sat Late Cty UT 841300788 ® Hm a question about a charge on your statwivent7 Please refer to the Billing R06 Stmmary on the bane of your statement or vrsR PIETSE PAY Ar IEASr 111ISAWLINT Yothe bela)d by far paymenta But you can s;dl Ixtng your a=jnt current by payvg the minimum payment amount on your statement. heed he¢? Give us a cal at 1.800 9555 p•%73 Well wck' l.yelFwr to frda soluhot payments, Credits & Adjustments Transactions 1 19 FEB OVERUMIT =EE FEB 19,2:09 C39 00 You B0=111 has gone over ds rxeok Knit To wod aditorel orerkrrt fees, you stacld pay more than the Mramum ?by neat Please pay ato ugh to b-m you account balance below you cre3t knit mrnediA*, and make sue you amount balance renews below you credit knit please be we to amount you pay alxouds for any futue punt aces, fees, and finance charges PLEASE RETURN PORTION BELCNV WnH PAYMENT OR LOG ON TO VAWV.CAPITAIANE.COM TO MAKE YOUR PAYMENT ONLINE 7910547 171 1 4862367178437838 19 4205570115000505009 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. O Pay orhne anytime no more checks, stamps or clutter Q Movm97 Change your address online or on the back. Q Help save the planet Go paps+less 0 Sign up at wwvrcapdalonc corn Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 2&272-1083 IIIIIII-III--IIIII,11. 1111111.. 111111.eI1?1elll?ll??lIIIII11?11II Account Number. 4862-3671-7843-7838 Due Date New Balance Minimum Payment Amount Enclosed FMar. 16, 2009 $4,205.57 $505.00 RfASE PAY AT LEAST THISAMOUNT #9005107260269633# JANE ZULLINGER 10S FOGELSANGER RD SHIPPENSBURG, PA 17257-9704 1hP19111?1I?lllu'uI??11111?n11?PIhlh.lllrll.lh??ll.rl Please make dtecks payable to Capital One Bank (USN, NA and mail with this tpupm in the enclosed erwelope. 5000'2 cap-am, IT'S STILL NOT TOO LATE. what's in your wallet? Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 808 r.;:a[ 0"'S" ri,,r, h". r.:z„tu[ FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $4,205.57 I- $0.00 * $32.10 $39.00 = $4,276.6T l $618.00 Apr. 13, 2009 FJ Feb. 20, 2009 -Mar. 19, 2009 Page 1 of 1 Visa Pladntnn Account 402-WI-7843.78M Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 PLF1SE'AY AT LEWTH6 AP"W You're behind by five payments. Were permarently revoked your ctargirg p Nom. If you continue to miss payments you account is at risk of beirg charged df. Pnase don't let his iapoen. If youlre fee" overwhelmed, call us at 1.8J0.955.66 D. We7 work with you to resolve this mattef. Payments, Credits & Adjustments Tr',i m 1 16 MAR PAST D'JE FEE 539.00 Finance Charges (Please see reverse for inpordnt idamahm) Balance rate Periods Cortesporrlrg FWM Wpred b rale flit CHARGE Purchases 54,2262 0.02712"% P 9.90% 53210 Cash SO 00 0.041D7%P 14.93°% 50.00 ANNUAL PERCENTAGE RATE applied I* perlort 959% gfh O At Your Servke. Gob mw+.aoimbremm to mwapayor wosrc a Cat 1A00.911R=b mpo t a bst orsUm cad orV&* b Qftme- nol&ls ® Pay Online et m ,milabracwn or matyar p*rwt b. Oro Bmk (LTA), N.7L • P.O. Bas 71063• awbtb, NC 1063 SKW h quiries to-. Capkd Ore- P.O. Bert 30105 - Sal lake lacy. UT 8413 M 5 Have a question about a dsarge on your staliment? Please refer b the B* g Rights Swmrk y m the bad(of you statement or visit www.caoitabne.c mkispules Your accmk has gone over its credd limiL To avoid adtlioral werlint fees, you should pay mae than the K naan PaymerL Please pay enoto b bring your woount balance bebr your credit limit rnmedeh*. and make sure your amount bahrce remains below you as* limit. Please be sure the mwtrtt you pay axoutts for any hAre prrdeses, fees, and frlau darges. You were assessed a past due fee because your minimum payment was not received by the due date. TD avoid 9fss fee in the We, we recommend that you allow at Lit T business days for yaw minimun pwr nest to reach Cepw One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LAG ON TO'AVAV.CAPTTALONE.COM TO MAKE YOUR PAYMENT ONLINE. C -7 Account Number. 48623671-7843-7838 Due Date New Balance Minimum Payment Amount Enclosed Apr. 13, 2009 $4,276.67 5618.00 Q PtFASE PAY AT (FAST TH15 AMOUNT 1 4862367178437838 19 4276670115000618005 #90D7907260269634# JANE ZULLINGER 10S FOGELSANGER RD 7910547 SHIPPENSBURG, PA 17257-9704 I"11111'Ill'1"11111'II•II'h1.LllIIIJ.•IIrII'1'I"•-1'IIIIIII Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay ocline anytim-no more checks, stamps or clutter. © Moving? Change ,pur address online or on the back. ® Help save the planet-Go paperless. Sign up at www.capitalone.com. Capital Ona Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1063 IIIIIII•Itl••111t1•11-1111111,r111111••II•I•III•II-•11111111.1111 Please make died(s payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed erwebpe. JANE ZULLINGER 1. How to Avoid a Finance Charge. a.Grace Perbd You will have a minimum grace period of 25daya wtlda finance Charge M new purchased. new balance trarnPors. nim, special purchases and new other Charges t you pay ytlrtoial "New Balancd'. it accordance with the, Iportatt Notice for payments below, are In anafor it b be CI"rd by your payment due data There s no game period on own adrrove and special traafea. In adecton, there is w grace period on any transaction ryw do not pay Via, WIN New Balance." b. Ao-AV Fames Charge. Transactions which ere not subject b a grace period are assessed raerra chary, t) from the data of the transaction r2)Mntledele the transaction is processed to yarA cou t or 3) frwritne Iter cWwdr day of the current bong pmbd. AmmneW, a you did not Pay On New Baran" from go p serious biting pedal in NL WW49 charges w Wm to ecaisb your unpaid oalaroe dal the urlpid bMw=s paid in full This near thadyou may a1111lowe flew. chaps, everh iypl pay to alas New Belamae ildeasd on the front of your slasnart by ere pym w t dw dolik but dot notdowfortisprwlohsmorM. Mpaldlalmlba Merges ere added baeappteat, agrrert ayorApwt c. MNnu s Fbawa Charlie. rwremch billing period Oat your account is subject b a finave charge, a wi anon total FMC E CIWRGE of TOM Will to Imposed. U. Tenpaa y RedirCtlon In Finance Chugs. Ne nerve the right b rkt assess any or etfinMa charges for any piwin billing perbil. 2. Overage Do* Balw a (bsoodrg Near Pmdwwm%} Fkminve C" is coblard by MuMpybg the ray bYaws or own ssnmat of your a:Carl (94. can advice, pachmak specs Uaarr, aid XMW prrcme) by the COmespndap day periodic ONO) that fm been previously dedsad bym At hue end of own dry data the burp Period, we W* an dab Pei odic rare for each vegnvt of your accost to the day lelane or each segment Than at the and of the bsrp period, we rid up the results of those day wsusaas b wrkv at your periodic Finance Marge for own segment We add up to rsud; man each segmet to arrke at thetosl periodic finance charge for your account To get Uo daily Glance rr each segment of your accvul, wa, tae the bo alp Leans for ash segment and add any newtrasaeaon and any periodklhaoe charge akNaed on On previous day's balance fr the sapsrl. We Vain subba l ry payme,ft rcrardls psad as of that day that we allocated to that Marne t This "us the sepelata dolly balance W each segment at your accout. hbwevr, ryou paid to New Balance, shown on yoke previous sresrtert In full (or N your new balance was zem ra cede amount), new taraadbrs. Mich Pdstbo your purchase r spore praose, aegnlala are not added into day balances We COMM the awhage day DOW= by adiang"te day balances tog*w and dwikYp to a= by the nurrdw of "adep h thecurter! Map eyes. To abaYSyourbtl fni cox uttrm mlli lit yo r waragaday bolrae by ere day Periodic rasana by the rubber ar days title bWg perol Dwto rreldirp cn a lay bass rdm b mtrMlun finance chaps sswnsrL More may be a vadmhce Woven bs Ca'lmMion ary the Groat aTfallaQ Cage xLey wafted. rfrm may rot be mdrd me of ao OrrhakM3 dvs are Monday M ugh s. Notice ALat Electronic, Check Converabn. When YM pVAW a check me paymrtt you aw-ice W eitierto use information from your check to make a one-ume eMetrome kind 4 nalm-from yourdepoaY account or- to process the prgmxt as a check Uarwaclion. When we use Information from yurcheck to make an elacsprE fund hater, funds men bewit dawnirrnyour depust acspurl as scones de soma daywa,mews your psYmaM and you wr not recowe your cnenk backtom yourlkaraiel itutlnrlons YouraWtataaon Is not Grind by to dale rn the check We may rwwrrt mid elricl recmy 7 Wct M trod payments. 9. Ba kruptcy a youareenWard b barampfcy pmbctioro for your account, the WnnMil.Ybn is only for ilormaWal puryaeas. i s not M atlartp b chtac, aftam r necwera debt r claim Do not acrd any paynwts daecay b us winedspeektg wihyor banknyiry allwW wits Bartouptcy Cart. r you want to cane m sow Your- account oryourbankr picy paeseding, please have your attorney contact m. tBWNG R133iTS SLWAkRY (h Caw of Emoa orQiestions abo lYour M) If you think Your JM Is Grp, M 9YW re" more Information on a transaction or bs, wails tom ma espnte sheet as sown as poesttsa the address for Inquiries shown on the find of ifs Saantat. We must reeartromyoa rb IarthM &h dws ash we sat you ttefirst bill on which I* rracrProblem appsred Ym art ar omCxtanar Retalo s rent rornoliy in by .,all a wabeM, tit doing sowill totpresmvsyorrights. In ysr Mar. gN,m tnsfatorkp trforrfrlbn: yarnmhe ulna accChst nrrbar, thedotar Mourtaae awpa7ed mix, a deedpaond ere mnrad anaplerabn, r p sslos,,why you beaawfhae Is an error, or # you need nos lot imari , a descrgion a t e kamy" ac, insure abo t You do not have to pen ry smut in question wane we are Malaga ng A. out you sot WIN obligasd b pay to pans of your bill that ac, not In question. While we hwastlgme yourqustbn. we cannot report you as dsh n*wnt or hake any adbn to collect the amount you qumUrn. t special lute for Credit Card Purchases U you have a problem with the quay of pvcrty or senses that you Purchased will a araicord and you how tried in good lath b Coma the problmn wththe merchant you may have the mgt not b pay the mrritng Mona des s ere proprty r serrces. YW name tile promotion ony when to purchase Puce was more Gan VAOOWW the pac hsa was :rods in your toms stale rwbhin loo cols d yourmaip adtlress. t<we own r opaas Uw mrarant. r rwa mesa you the aoverlserre t fr ere prop" rsavlos, at purtms are cweaO regsrdesa d Mourl a khcatiorha prchaaeJ =sane ranonaierhosigh as caaepodence t Does nor aXry to bus Odom aooOUlyY Celiac One supports irfvmstrs p*acy Protection: see our webata at www,g ,? capm Om s a reaeay regret. - mirvw na-k a Captor om Flrancia Corporation. All fl" raservocto2W6 Capital One Changing Address? Address...................... .....................--.................._--......-----...-. Home Phone ........................................................................................... Alternate Phone ........................................................................................_. 7910547 E-mail Address _ ..................................... _........ _..................................... _. Please print address or phone number changes above using blue or black ink 3. Animal Percentage Rase (APR} a The term "AM" Percereage Raid. may appear as "APR' Muerratat!n3wiffn t o., the xda P(QYarlelly PrOWa L(Qwnmy LABOR),C PAN ary CD), r3 (Baaerd Pdrte) appears on the front or this statement nerd to the periodic as(s), ere periodic tabs end corresponding ANNUAL PERCENTAGE RATES Ref vary Q,rany and may bases, ordeon a e based on got stated ind es, as fourd in 7W War SUM Journal. pas to margin p,vbsy disclosed byoL These aenpee wi s elfectne on aerial day dyad dMn9 Period corned by your Periodic aaimmart adi g in to norms a Jamey, April. ,coy and October. C. ado code D (KID" Prhre, F (MUthly 1.11310%. or G rTn asuy LIBOR) appeals on thefront of your sbnarnant nand to the periodic ateft the periodic rats and cptespoldap ANM)AL PERCENTAGE RATES may vary m on v and May bbwae r aeaeme bas" on the mated h"s, as round In The Wei Sbea.laaml As ere napbpredoay disclosed b you These chsngss will be areCWS on Ue real day oryour lAYtg period each moron. a. Aim wnmt of tar. ON MI[ ad Returned Payment Featlhdwgwamokayowcud m o m,m we asaveaeriat b wave rnatb asasea Gyres wahoit Prior IN iwh byeswihoutwaihporriyltowens uesaneoraknwfessate Vetere. b. hearomMp Fee ad Renewbp Yor Aw"nL a a rnwrtw"fw apprs of ti sbbffwt, wewo cma#w Iw iym nqufttlo cbwyoursc=A WMM 3g days ate tramp Of lhs ataerTrt Y"MNY ' " alto use to account dirbp the 3D dry pmald before your ractasst a you do hotPW aA dW9ftowed on cis acoourtw'mn In 90 days, or if you use yourcedl Cad or lectern Witaryou request to close. sly aw W-millpse W-Iou* waked ray be reaotaadbyouracaaa. IL Co" or Suryaeaq YrrACmua You rrgy request 00 your amours leased by aaarg rwMg err COMW R9albs wprmai. At the lino of Your request. -*vApmW&ycuwKhaddkicrWdftbondma your W=het Thb ffW bokM pgfsrt bromraaokt rym sot yorcr"t cal rUmgs poet loyo raccrat Meryou ask m b slow ycrraepWM sea end kwpyorawourlnpen r renpn t We may close or suepe d your account and your right to abain cede Wa may do ale a ary ens and for ary reason, aver 9you as not In del" Asuspmusl n dyer aceara can be Permanent crterponay. N yorra cou t b axed or smpnded, you mat abp usirpyrrr urea Card and a'o orrt You must lean Canal all PMGUtWdzed baling ammpmram to the a coo t. We Will not OD MW for you a we close r Wmnw* suspend your woourk you mast also destroy at credit ands and amoral acc9ft eheelet You mat ON Pin' at NPrlta you owe us onto ewer even a OW were d rg" afar yokraorxl a closed or s parded 7. Maidrp PaPmMla. Paymarl s You rf" to W WIN be credited to yrraccount s of to business day we raceme t provided (1) you amid to bosom poraon of this statement em Your MWKhtheernpae"rM#rb,arweop,a and yrrpaynana Is reahrad In cur processing center by - I - ET (12 noon Pl). Pose allow at 19aa fire (5) taaess days for postal detrmy. Plynaas reahred by us at why Gale! Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly. 19 • 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. • Last but not least, be sure to write your 16-digit account number on your check. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date ? _-? ( $4,205.57 $0.00 * $32.10 ) * $39.00 $4,276.67 $618.00 Apr. 13, 2009 Feb. 20, 2009 - Mar. 19, 2009 Page 1 of 1 7910547 Visa Platinum Account 4862-W1-7843.7838 Your Account Information TOTAL CREDIT LINE $3,500 00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $000 ftEASE PAY AT LEA 51 TKS MOUNT Yotf•e behnd by five- payments Weve permanently revoked your chargrg pr Weges If you --ntnue to miss payments you account is at risk of berg charged off Please dbn'l let the happen If ycstre feetrg aprivlwbted, call us at 1800 9%6500 We'1 work with you to remhme this 'naft=_r Payments, Credits 8r Ac lustimrits Transactions 1 161r14R PAST DL E FEE 53900 Finance Charges (Please see reverse for rnpcrtant itbnnation) Balance rate Perodic Cxraponcint FINANCE applied b ate APR CHARGE Pucleses 54226.69 002712°,.P 99D% 53210 Cash 50.00 0.04107%P 1499°. so OD 11ANNUAL PERCENTAGE RATE applied Oft period: 8.90% 1 AtYowServks-Gobnwwmmbbro=mbmrrl7ryarwmunt, a Cat 1401),9D33637 b report ntst a debris cedes Wmk b Oabmx Rehbre ® Pry Online danw.ceoAabremmor mahyarpeyirwttla c,Mddone Bair ttlSA), NA -P 0 Bar 71083.Oubtb, NC 2627&1083 Send inquiries to: (:f WOv- P D Bat 307 6 -Set Lee Oly, In 8413MM ® have a quesUm about a charge on your siaternerrl7 Please refer tote Billing RKjb Summary on the back of your sWernent or vrst Capfta-af ttE< Due Date Apr. 132009 Your account has gone weer its ae* ImR To wW add0o W owlirrat hes, you should pay more Can the Mrwnum Payment Please pay au* to b•rg ywr accard bffirrz bebw ymr crel imd nmedbtey, and make sure your account balance rarerrs belwr your credit hmit Please be sure the amount you pay amutla far any future punk, fees, and frence charges You were assessed a pest due fee because your rrateram pa/nrert was not received by the des date To a ad this fee in the ttAin , we recamrend #0 you alb. at least 7 butsress days for your irwirr m payment to reach Captlal One PLEASE RETURN PORTIDN BELOW WrrH PAYMENT OR LOG ON TO V&M.CAPRALONE.COM TO MAKE YOUR PAYMENTONUNE 1 4862367178437838 19 4276670115000618005 Account Number. 4862-3671-7843-7838 New Balance Minimum Payment Amount Enclosed $4,276.67 $618.00 PLEASE PAY AT LAST THISAMOUNT #9007907260269634# JANE ZULLINGER 305 FOGELSANGER RD SHIPPENSBURG, PA 17257-4704 r•tlurl ll•r?ytd.lt.q.lil.l.olp.lr.q.q.1.1,.^rllhhl Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay orime anytime-no more checks, stamps or clutter Q Moving? Change your address online or on the hack 0 Help save the planet Go paperless 0 Sign up at w capdalonc corn Capital One Bank (USA), N.A. P.O. BoK 71083 Charlotte, NC 28272-1083 1111111-11'.-11 IlldI-11IIII 1-11114--11-1-111-11--11111111-1111 Please make checks payable to Capital Ore Bank (USA), NA and mail with this coupon in the enclosed envelope. Capital - what's in your wallet? 500013 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. 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? 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. Ariake sure yJ,j call cr pay the err-cant cue cn vour statement by the cue care In e iminate r`e ^sk al has charged off +? 2009 r ap-1 0- C dpxnl parr i, n kd -n ,! rr,"-.Arrr he un-k. '411 "Fl"; rc;? , rL FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $4,276.67 l - $0.00 * $37.36 * $78.00 = $4,392.03 $738.00 Ma=15,2009 1- C Mar. 20, 2009 - Apr. 20, 2009 Page 1 cif 1 visa Platinum Account 40823671.7543-rM Your Account Infom?ation TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT WOO CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH 50.00 FinanceCharges (Please see reverse for important idormalim) Balance rate Pe-Wr Correspadrg FINANCE applied lo rate APR CHARGE Purchases $4,304.46 0.02712% P 9.90% S37.35 Cash MOD 0.04107°. P 14.99% $0.03 ANNUAL PERCENTAGE RATE applied this period- 990% At Your service - Go to w.caaiabn mn b inanaga ym accost, Q orCM 1-000.g023637breponabstorsbLncadorapo*bOAWror Ralrixns ® Pay online at Do-mal tar pWnart b. V. Or* Bane (U3A), KA. • P.O. BcK 71083.Owblte, NC 1083 A Send Inquiries to. Capital One P.O. Box 37185 • Sal Lake cdy, UT 847.100285 ® Hama question about a charge on your steknerrr? Please refer lo the Biing Rights Strnmary on tlne laser of you stalenent or visa www.c% itabr_ coWdsp&s PLEME MY AT LEAST THIS AMOUNT Youte behird by six payments. If we charge off your account due to Ian or missed payments, finance charges will contiwe to axrm Act now to prevent this from happenky. Please pay the minimum payment amart on for statement or give us a call at 1.800.955:3600. we're h_-re to help. Take control of Your sarld with espial Om Payments, Credits & Adjustments Transactions 1 13 APR PAST DJE FEE $39.00 2 ZO APR OVERUMIT FEE APR 20, 2009 S39.00 Your accost has gone over its credit knit To avoid ac iliarul overland fees, you should pay more than the FArimun Payment Please pay encto to U*V your amount balance bebw your credit lima inmecialely, and make sue yaw woourd balance remake below you credit knit Please be stye the amount you pay =aunts for any flue putchase4, fees, and fllarnc e c mjw. You were assessed a pest due fee Lemze yaw mi intrn payment was not received by the due dale. To amid 0t's fee in the We, we recommend W you allow at least 7 business days for Your rninitnum payment to reach Capital Ore. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number. 4862-3671-7843-7838 Due Date New Balance Minimum Payment Amount Enclosed May. 15, 2009 $4,392.03 5738.00 PLEASE PAY AT LFA5T THISAMWNr 1 4862367178437838 19 4392030115000738006 #9011107260269635# JANE ZULLINGER 105 FOGELSANGER RD 7910547 SHIPPENSBURG, PA 17257-4704 °d•IlhlhHllprLllrlrunl•Illu•Irhl•I•n•41dhh••ml Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. O Pay ocline anytime-no more checks, stamps or clutter. Moving? change your address online or on the back. ® Help save the planet-Go paperless. d Sign up at vvww.wpitalone.com. Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 uIIIP•Ill••uhl•hrhpnl•rllnh••II•Irlll•ll••Ilhlhl•bd Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JANE ZULLINGER 1. How to Avoid a Flnama Chage. a.Gra. Period. You wY have a mtamum grace period or 25 days withwt fnanae Maye on new purchases, new balance transfers. new special purchases std new other charges If you pay your toral'T4ew Balance,', n attaarKe Wan rte Important Notice for payments bebw, and In amefor It to be, credted by your payment due doe. Tare is no grace parted at cash advances and spatial transfers. In adrabrt, these is no grace penal ore any Uar wwl nyou do rot pay ate role 'Nwr FYalsnce." b. Aealahp Fiance Charge. Transactions vetch are not subject b a grace period are messed finance cha-ge 1) from the date of the transaction or 2)1"it* data rte transaction is Processed to Your Accaet or 3) flo'nthe Wed cabrda day date current telling period. AtlditimeNy, it you W not Pay One-Mw Salience, from DO, prevlohm UIDV period in ea, fnasce charges triad IUS ro 90bmr o Your upsd palace use the unpaid brace is Pad in full. This neap nor You nay *0 eve firwce charges, even rym pay aeertte Now Balarece Indicated on de fluid agar *Abrmt by tie pay a ent Our date, but did not m WforTo Prwbiu Moab. unpaid seance charges ale added W DO,aoleMoM egnwa of you AerounL C. aalnararn Finance Charge. rv each brig period NW Your accout s sUnjsd to a finance charge, It Minimum total FPW4CE CFMRGE of P..50 WIN be Irri eoud. d. Terrpmay Redaction In Fi rte" charges. Vie reserve the right to not oases a-W or al frtaoe charges fa any gw- beep period. 2. A-age * Batence, oncluding Now Puec a sus Finance charge is calculated! by mu"kV DO clielly baarna9 of each sspmM of your account: (gig., can dvenae, pacfw. special transfer: ao special prdme) by New co eePpohg day parto5e rate(s) nut no ben pnwaey disclosed to You At Inc and of each Wy durkg me tWg Period, wa appy it* dally Periodic rate for earn segrrrst It Ya+aceart to nor dally balance of each ut;aneY Than at the ardor to billing pad, we add up the remb of Vieser day cakVatots Do arfve at yam periodic M1unce:harge for each segrrwt We rid up Vie results from each w7rwa to aurae at nor IM periodic fnaee charge fa you account. To get to daly balance for each set)merlayour account, me take the begketag baste far each segnwa am add any now "nowbons and any periodic tweve charge cal uated on ale previous ,120 bidence for net ngwwL We aen subtract any payments or crdYS posted M a rout day Usl are allocated to fist segnwx. The"a one seeparals daily beds ncebr each segment or yea account Howsie , ryou paid Ne New Balance shown on your prevous stasenwt it MI nor V Your mew balance was zero ora credit smut), new transactions, which post to your purchoae or apical Purchase mgnens ale riot added to to day Mtanae. We calculate OW WUnp 0* bakwo by addkg an use dads balances togeaer ad dividing ale sun by the nrrber or the Sys In DO OATH bNNg cycle. To calculate, yorlea finance cdege, mu1O* yar avmagrday to m by the dW pandit rate and by IM farce of days In One, bNkg period. Deb rouVag on a ay bats or d er b minim rn fiance charge aeseureuk hem may be a variance belevean ns calculat llln and tie amount of rrsraechaye atoned assessed 3. Mewl Percerxage Rse (APR} a The stns "Natal Parrntage R81e' may appear as 'APR" on to froNa Lhia slalansnt b. a ire:odr P (Qua[efy Rea), L. (Vuanery LISUR), C ;Watery CD), or 3 (Batkcafd Pane) appears on the front of this cuter ent red to tie periodic rate(s), the Periods: rates and corresponding AHNIA41_ PERCE14TA(E RATES may vary quaMfy aid MY ncreaae ordecrease basal M the stated kerns, as found in The Wan Seal hits. Was he Margin pmbui y disclosed to you These changes wo be dradwe on the fiat day Of Your being pedal OMwed led Your pnfdnc siderreM ending in nee MWM of January. April. July and CeMM. c. If fie code D (ao" Prsre), F (-Mtf LISM, or G Treasury LBOR) appears on the fonret or your staMnnerx exist b the periodic rate the periodic woes and mrreapMOV ANNUAL PERCEWAGE RATES may vary 9"" ON may ernes or decrees baud on the stated hdl--es, as found An The Wan Slice jour nak pis ns• nhegkt previously disclosed oym Thee chage wee be etedkre a to hits dry ayaur litetp peiod Melt rrnnNi. 4. Asraenwt of Lae. Overan t am Returned paynwt Few under the, Mona of Your ouesomwagaerrienh, we reserve VerWd to waive a not to assess ary fee %VOW Prior -M-bm bYou waltoutwaMing our right to awes: DO acme orsinalw Mee at a OtO tire. S. MKFDO rep FM end Rerswitg yam ncoow& r a n*w6 alapfeeappealsonthtsatdWMIa,r vAicredome leer yam mquedb oboe yaraxmt winks 3D days a t e modem of Deis statement. You may co ion b Hoene accmurt duetg tM 30 day period babe you regteaL If you do not pay all charges owed on this acquit wah n 90 days, or If you use, Your "Dit cad a Woolard dWym regerl to clues, ary rtambeiahiP tee ReviousA' waived may be rebutaMd 00 Your anccou L a. Closing a Susparang Your AxarL Y. rrW request that your accou i be closed by caig orwrakg our Customer Rcaiores DepaUnst Al the fire Of your request. w'e win prwor you wqU dditoW detala on closing your account, This tray ennd• pddrtet iromWlat rya ose yam ordt card a Marge post b Your account anryou ask us to close Youraccourc wean keep youracco nt open or reopen it We may close, or suspend yam account .,it your Fight b obtain credit. We may m IN* at ary Mme OW1l,amy fusion, aver 9YOU am not h defauL Asuspension of yam amount an bepemenern orternponvy. if you account Is closed or suspnded you miss sop usrg Your credit card and account You mstaso cane; an PM&U WW bating arrageneUS o the account We RIM not dbnls rat you t we gibe err permanaty swperd Your account. You must also destroy at ceaa ads and amount access Cnedas You rtes so pay all an ourels you owe us an rte account even if s e 9" ware Magd am Your account is clad or T. MWrng Payrrwas, Payrtarts You mall to M wtl be credited b yam accoutas one business day M fatale L provided fl) You aid the bOftn portion ants staenet and You chdkn nor erecoaed rerttta co envelops and (2) yon Payment Is mcalved M err process" Cana by 3pm ET (12 nom PT} Rem avow at sea five (5) apnea dads for PONS delvery. payrnwts received by e at any ODW w-'Mon or in any offer ram may not to omdeed ale of me SY We nooses Uwh put bhainee ergs are abrWy through a. Notlca About Ebdr0e* Chiba Cothresion. W hen you p-wide a ctack as pn ML You ""nonce hs etxr to use itorrrafion fomYar check b nonuse a onedkne electronic fund transerfrom Your depoet amount or b process tfe PVYnet We a check trasachon. When we use hVOrnadbre from Your deck to maka an elecianc rund stapler, funds may be with drain from your deport eocoax e noon as Ve Marie day we receie a your peymetL anal you WA not MceNS Your cock back Iran your essences kgWloh Your aufff1arbn is hat tinny by 11* dale on the check. We fray resubrtt aid electi;,nkaty collect returned payrterts. 9. 11MOTLptq. N You are wooled to bstlmiplcy protacabre fa YOZ limux, tars mfll'rani=" te Only for insomHes;No plrpose. It e not an all"ro to c3lext, wars m recover a debto clam. Do not send any PaterrentM i ir" b us without speaking wth your banknrptq adomey or me 800MIFb,Y CotrL t you cram omriMct us amU your contact act to, protMdhg, pteasehave your alLDMW contact VBLLM RIGHTS 3t1MAARY ;n caved Errors or aurstioe about Your Ba) a You Dace Yoi? oNl s :wag, or ff YOu reed hone Information ore a transaction or bill, write b us on a separate, steel se soon as po"111a at ale adikee Forin*iletea shom on pie trod of are W-a% BM Wel rtes fee from YOU M stet than Do days after vft"M YOU rte M* 0/ on which to armor Problem Appeared. You car a1 Our Cualmw RelsVons nuroer or nary us by argil or WeMdte, but doing so wY not pfeervs your rW". In Yam Baer. g'wa us ate fbNCwig homes on: Your name, and ao Wt rNibef.ale dolar amount OF ale gepaCted a .a description or Ow errs and an Mpuns on, r Pasbla, awhy you Defew snare s an error, a ryou neW frore ktoriia b,% a clsadpUOrf or ore tern you we acre abOUL You do not love to pay any amount in question while, We are rwe UWV L our you are M oMOW o pay Ve pans of your big anal are nbl in queatsx White we kweledpea Yomqueshoii, we cannot report you as de6tqunx or teks any action to coped Ife arrow t you 4-AIOnL t Special Woe for Cray Cad Plichu s Or You have a problem Wah Use quality err p.cpety a sere cis Nor you Purchased WiDl a aralacard and you halve tried in good l"110 correct the prcgern trap NO rte 114 Yalu may have ale no M n pay ale mmarag anus de on na properly a M'O'n w You eve LYS Protection ahN When rte Purchase price was nom than $50.00 and ale Purohvise tuna neade In yatr hire states within 1aD mites of your Haig address. (V we ownaolell theffWMiLaIrWem WAyouale al"WUMer Set for the property a-1,-, at purchase are covered regardless of an=" a ocalom of Pachnse.) Please re nentw to 30 am conespoa ishca t Does not sooty b bL%#ess accou es capital One suppab iaamWlon Primacy prok,,hon. see err websle at Capital C o s a lace" mosleredeanke teak d caps-(ge InanclaCorporatlon. An rights -served. 920MCapas Ore Changing Address? Address ........................................................................................... .................. ........... -......................................... ................... Home Phone ............................. ................................. Alternate Phone .........................................................- ............................... 7910547 E-mail Address ................................................. -.................. .................. ... Please print address or phone number changes above using blue or black Ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly. - Don't staple or paper clip your check to the payment slip. - Be sure to use the payment envelope that came with your 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 & Credits CHARGE Transactions New Balance tAinimum Payment Due Date $4,276.67 J - $0.00 + $37.36 + \ $78.00 i=? $4,392.03 i $738.00 ) (May. 15, -2009 Mar. 20, 2009 - Apr. 20, 2009 Page 1 of 1 -? VISA Platinum Account 4B62J6T1-7643783B Your Account Information TOTAL CREDIT LINE $3,500 DO TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $3,000,00 AVAILABLE CREDIT FOR CASH $000 Finance Charges (Please see reverse for rnporlanl information) Balancerak Periodic Comespomirg FRANCE sFplyd b ate APR CHARGE Purdeses S4,3D446 002712%P 99D% 53735 Cash SDOD 004107%P 1499"0 9DOD `ANNUAL PERCENTAGE RATE apprted this period: 99096 ill -2h AtYour&WAM•Gobwwrrmpba moombmerogalouamutl, act U8(09033637b epatataiastabncadors}eAbCLsbmer Rehions 0 PWOrdiFletiMW,2NMbM-MorMadyotrpa wdiM QpW0re Bahk(USA},tt,k•P0 Bar71083•Clwbw NC 21272-1163 Send Inquiries to: C*ital Orr PD Bas 30285 • Sat Lake Qy, Ur 841300285 Hm it question about a charge on ywr slatenwre PLwe refer to the BNYg Rights Summary on the back of you stalemeni or visit www brie coin iles erase PAY AT LEAST TICS rkld"f Youtre tnhrrvl try sac paymen(; If we chap: off your account de to laL-or mrwed payments, tinatx charges will contrre to wmL a Ad rr_w to present th> from happemrg Plewe pay the mvwnun payment amount on your statement or Live U3 a Call at 1 BUJ 955 660. Ne're here to hyn fake control of you' credit with Capital One Payments, Credits & Adjustments Transactions 1 13APR PAST DUE FEE 53900 2 20 APR MMUMIT=EEAPR2D,2009 53900 Your amount has gore over its credit YnR. To avoid additrael o erfrmt hes, ya, should pay more than the hhrmun ?ayment Please pay arotgh 10 b:ng Yoir accourd balance below Your credit link mmedid*, and melee sure your account bbelance rarhans below your credit knit Pk m be sure the amount you pay accounts Tor arty future Purchases, fees, and (ranee C hages You were assessed a pest due fee because you minimum payment was not received by the due date To avoid 0115 fee in the lapse, we reommend fW you slow at least 7 b4in en days for your minimum paymenl to reach Capital One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO V~ CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 1 4862367178437838 19 4392030115000738006 Account Number. 4862-3671-7843-7838 Lend a hand Save the land. Due Date New Balance Minimum Payment Amount Enckned Manage your account online today- May. 15, 2009) $4,392.03 $738.00 C= it's fast, easy and secure. O Pay orhne anyhme-no more checks, stamps or clutter PLEASE PAY AT LEAST Q THISAMOUNT Mowng? Change your address online or an the bad. e Help save the planet Go paperless #9011107260269635# 0 Sign up at wow capitalone com JANE ZULLINGER 105 FOGELSANGER RD Capital One Bank (USA), N.A. SHIPPENSBURG, PA 17257-9704 P.O. Box 71063 Ililr11111Jill llll'Irllrl.Illlirlllll'II'Ill'I'II'I1I111111"II'I Charlotte, NC 26272-1063 '910547 IIIIIII'lll"Intl'II'Illllllr•IIIIII"II'I'lil'll"IIIIIIII'llll Please make checks My" to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Motion for Summary Judgment has been served by U.S. Mail, Postage Pre-Paid, on ? day of 2011 upon the following: Jane Zullinger 105 Fogelsander Rd Shippensburg Pa 17257 By: Pa.I.D 84935a8 Weltm n, einberg & Reis, Co. 1400 ens Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 7910547 CAI 4 PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) o 0 TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for 3 ext§?;; ? r=te Argument Court.) ?rn -------------------------------------------------------------------------------------------------------------------- CAPTION OF CASE ' t7 -46 (entire caption must be stated in full) C) -n CAPITAL ONE BANK (USA) NA C ?? o Cl) vs. cn -, j JANE ZULLINGER No. 1431 10 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: BENJAMIN R BIBLER, ESQ (Name and Address) 436 7TH AVE, SUITE 1400, PITTSBURGH, PA 15219 (b) for defendants: JANE ZULLINGER, PRO SE (Name and Address) 105 FOGELSANGER RD, SHIPPENSBURG, PA 17257 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: FEBRUARY 18, 2011 BENJAMIN R BIBLER Print your name PLAINTIFF Date: 1/13/11 Attorney for 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 true and correct copy of the within Praecipe.for Listing Case for Argument was served by U. S. Mail, postage prepaid, this day of, 1L 2011, upon the following: Jane Zullinger 105 Fogelsanger Rd Shippensburg, PA 17257 By: Benjami ibler,Esquire PA I D# U35 Weltma nberg & Reis CO L.P.A. 1400 KBuilding 436 Seventh Avenue Pittsburgh, PA 15219 #15. CAPITAL ONE BANK, (USA), NA, Plaintiff V. JANE ZULLINGER, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA : NO. 2010 - 1431 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE OLER, GUIDO, MASLAND, JJ ORDER OF COURT AND NOW, this 22ND day of FEBRUARY, 2011, upon consideration of 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 $4829.74 with interest at the rate of 9.9% per annum from February 10, 2010, plus costs. By the Cam` Edward E. Guido, J. ?njamin R Bibl E i . er, squ re /Jane Zullinger Court Administrator .. Co 1;6 :sld MW -n -n iM ca ^ e `) r- ?ry ?F ^+r/ j T1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), N.A. Plaintiff VS. Civil Action No. 1431-10 CIVIL TERM JANE ZULLINGER Defendant T =-: T N) PRAECIPE FOR JUDGMENT BY CONSENT - -tea - TO THE PROTHONOTARY: Kindly enter Judgment against Defendant,JANE ZULLINGER, in the amount of $5,291.60 plus costs, based upon the consent of the parties. CONSENTED TO: WELTMAN, WEINBERG & REIS CO., L.P.A., Attorney for Plaintiff JANE ZULLINGER, B _ De ant 40 WWR#7910547 n /G Ila fly IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) N.A. Plaintiff vs. Civil Action No. 1431-10 CIVIL TERM JANE ZULLINGER Defendant STIPULATION OF THE PARTIES FOR PAYMENT AND FOR THE ENTRY OF JUDGMENT BY CONSENT TO THE PROTHONOTARY: Kindly enter Judgment in favor of Plaintiff and against the Defendant, JANE ZULLINGER, above- named, in the amount of $5,291.60 pursuant to the Stipulation of the Parties for Payment and for the Entry of Judgment by Consent, as follows: 1. Defendant admits indebtedness to Plaintiff in the amount of $5,291.60 with continuing interest thereon at a rate of 6.00% per annum plus costs from Date of Judgment. To secure the repayment of said indebtedness, Defendant agrees that Judgment by Consent will be entered in favor of the Plaintiff and against the Defendant,JANE ZULLINGER, in the amount of $5,291.60 plus continuing interest thereon at the rate of 6.00% per annum from Date of Judgment and costs. 3. Plaintiff agrees not to execute on its Judgment so long as Defendant causes to be delivered to Plaintiff the following payments in full by 12:00 NOON on the following dates: (a) $200.00 due by February 28, 2011; (b) $200.00 due on the 28`h day of each consecutive month thereafter until the Judgment amount plus accrued interest and costs are paid in full. 4. All payments are to be made payable to the order of "CAPITAL ONE BANK (USA), N.A." 5. The first payment due under this agreement is to be received at the offices of Weltman, Weinberg & Reis, Co., L.P.A., 436 Seventh Avenue, Suite 1400, Pittsburgh, PA 15219. All future payments are to be mailed to the offices of Weltman, Weinberg & Reis, Co., P.O. Box 5430, Cleveland, OH 44101-0430. 6. In the event of default, each payment received shall be first attributed to costs, interest and then to principal. 7. Time is of the essence of this agreement and should the Defendant fail to have in the hands of Plaintiff or Plaintiff's counsel any payment in full within five (5) calendar days of the stated due date, then Plaintiff shall be immediately free to issue Execution as well as pursue all other remedies, in law or in equity, to collect the full balance of the Judgment entered hereunder plus appropriate additional interest and costs. 8. No act or omission of the Plaintiff, nor of anyone alleged to be acting on its behalf, shall constitute a waiver, estoppel, or any other excuse for non-performance of any duty undertaken by the Defendant in this Stipulation which the parties agree is final and complete. 9. Intending to be legally bound, the parties set their hands and seals thiar / day of G`? l 20 l? WELTMAN, WEINBERG & REIS CO., L.P.A. By: Defend n JANE ZU GER 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 (412) 434-7955 WWR No. 7910547 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), N.A. Plaintiff vs. Civil Action No. 1431-10 CIVIL TERM JANE ZULLINGER Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judgment was entered against you on (xx) Assumpsit Judgment in the amount of $ 5,291.60 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 ( ) Court Order ( ) Non-Pros Confession ( ) Default ( ) Verdict ( ) Arbitration ( ) Award (XX) By Consent Prothonotary JANE ZULLINGER 105 FOGELSANGER RD SHIPPENSBURG, PA 17257 By: PROTHONOTARY (OR DEPUTY) IN THE COURT OF COMMON PLEAS JUDICIAL DISTRICT CUMBERLAND COUNTY BRANCH, PENNSYLVANIA Capital One Bank (USA) N.A. vs. Civil Division Civil Action No.:1431-10 Jane Zullinger SUGGESTION OF BANKRUPTCY To Prothonotary: ? N O M CD XM L -? M_ (A- z, c? c w Please note upon the record that Jane L. Zullinger, the defendant in the above- captioned action and James W. Zullinger, filed a Voluntary Petition in Bankruptcy with the United States Bankruptcy Court for the Middle District of Pennsylvania at Harrisburg, PA, on, at July 1, 2011 at 12:11 o'clock P. M., which petition was docketed to 1-11-04744-RNO. PURSUANT TO THE PROVISIONS OF 11 U.S.C. §362(A), AN AUTOMATIC STAY IS IN EFFECT FOR ALL PROCEEDINGS INVOLVING THE ABOVE-NAMED DEFENDANT. CERTIFICATE OF SERVICE I, Richard L. Bushman, Esquire, attorney for the above captioned defendant in the bankruptcy proceeding before the United States Bankruptcy Court for the Middle District of Pennsylvania, do hereby certify that on the date set forth below I served the within "Suggestion of Bankruptcy" by depositing a copy of the same in the United States Mail, postage prepaid, at Spring Run, Pennsylvania, addressed to the parties or attorney's of record as follows: Capital One Bank Capital One Weltman, Weinberg & Associates PO Box 85520 15000 Capital One Drive 436 Seventh Ave Richmond, VA 23285 Richmond, VA 23238 1400 Koppers Building Pittsburgh, PA 15219 Date: July 5, 2011 Richard L. Bushman, Esquire (77 16767 Path Valley Road P.O. Box 51 Spring Run, PA 17262-0051 [717] 349-7657 :-AV VrRSION 3.4 United States Bankruptcy Court Middle District of Pennsylvania Notice of )Bankruptcy Case Filing A bankruptcy case concerning the debtor(s) listed below was filed under Chapter 7 of the United States Bankruptcy Code, entered on 07/01/2011 at 12: 11 PM and filed on 07/01/2011. James W. Zullinger 105 Fogelsonger Rd Shippensburg, PA 17257 717-532-7122 SSN / ITIN: xxx-xx-8230 aka Jim William Zullinger Jane L. Zullinger 105 Fogelsonger Rd Shippensburg, PA 17257 717-532-7122 SSN / ITIN: xxx-xx-9257 aka Jane Louise Zullinger aka Jane M. Zullinger The case was filed by the debtor's attorney The bankruptcy trustee is: Richard L. Bushman PO Box 51 16767 Path Valley Road Spring Run, PA 17262-0051 717 349-7657 Leon P. Haller (Trustee) Purcell, Krug and Haller 1719 North Front Street Harrisburg, PA 17102 717 234-4178 The case was assigned case number 1: 11 -bk-04744-RNO to Judge Robert N Opel. Page 1 of 2 In most instances, the filing of the bankruptcy case automatically stays certain collection and other actions against the debtor and the debtor's property. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court to extend or impose a stay. If you attempt to collect a debt or take other action in violation of the Bankruptcy Code, you may be penalized. Consult a lawyer to determine your rights in this case. If you would like to view the bankruptcy petition and other documents filed by the debtor, they are available at our Internet home page http://ecfpamb.uscourts.gov/ or at the Clerk's Office, U.S. Bankruptcy Court, Ronald Reagan Federal Building, PO Box 908, Harrisburg, PA 17108. You may be a creditor of the debtor. If so, you will receive an additional notice from the court setting https://ec£pamb.uscourts.gov/cgi-bin/NoticeOfFiling.pl?213167 7/4/2011 IN THE UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA IN RE: CHAPTER 7 James W. Zullinger a/k/a Jim William Zullinger Jane L. Zullinger a/k/a Jane Lousie Zullinger Debtors James W. Zullinger a/k/a Jim William Zullinger Jane L. Zullinger a/k/a Jane Lousie Zullinger Movants vs. Capital One Bank (USA) N.A Respondent 10-1431 C'7. C: r•.v C= r....'. xi z M C:)a f"n ,.r o? - aC a °FZ > Case No. 1 -11 -BK-04744-RNO ORDER OF COURT GRANTING JUDICIAL JUDGMENT LIEN AVOIDANCE Motion for Judicial Judgment Lien Avoidance having been made on October 20, 2011, and an Order of Court entered , directing service of said Motion, and a certificate of service having been filed with the Clerk of this court, pursuant to said Order, and no answer having been filed by the Respondent, now, therefore, IT IS ORDERED that Respondent's judicial lien [docketed to Cumberland County Court of Common Pleas 1431-2010 CIVIL TERM] upon the real property of Movant located at 105 Fogelsonger Rd., Shippensburg, PA and more fully described in Cumberland County Record Book S21, Page 417, and the household goods and furnishings is declared invalid under §522(f)(1) of the United States Bankruptcy Code. IT IS FURTHER ORDERED that the Respondent execute any releases necessary to clear such liens from any public record and the filing of a copy of this Order with the Prothonotary of Cumberland County shall serve as a release of the lien of said judgment upon the real and personal property of Movants above described. 8.0o PO Bas?hman By the Court, Cl' (077 24a0y4? 6Z.,A u. oy-4 3r Dated: November 15, 2011 Robert N. Opel, 11, Bankruptcy Judge Case 1:11-bk-04744-RNO Doc 28 Filed 11/15/11 Entered 11/15/11 13:49:01 Desc Main Document Page 1 of 1