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HomeMy WebLinkAbout10-1819* y E I; LED- C117-F r ' J(7' p?Y 2010 MAR 12 P,i G 1 %pil IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff No: VS. COMPLAINT IN CIVIL ACTION CATHY KRASOVIC AKA CATHERINE A KRASOVIC Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07425161 C N Pit CFR 9a. oo Po A-MY ck:r Lt ags-aq pj* a3m's IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff VS. Civil Action No CATHY KRASOVIC AKA CATHERINE A KRASOVIC Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK (USA),NA is a ,corporation with offices at 15000 CAPITAL ONE DRIVE RICHMOND , VA 23238 . 2. Defendant is adult individual(s) residing at the address listed below: CATHY KRASOVIC 205 CONODOGUINET AVE ## 3 CAMP HILL, PA 17011 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX2197 . 4. Defendant made use of said credit card and has a current balance due of $9169.16 , as of March 01, 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 24.900% per annum on the unpaid balance from March 01, 2010 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant , CATHY KRASOVIC , INDIVIDUALLY , in the amount of $9169.16 with-continuing interest thereon at the rate of 24.900. per annum from March 01, 2010 plus costs. James WELTM 436 S Pitts (412) FAX: 074 ^-•• , zGJG2 EINBE & REIS CO., L.P.A. n h Avenue, Suite 1400 g , PA 15219 -7955 -338-7130 C N Pit CFR This law firm is a debt collector atte ing to collect this debt for our client and any information obtaine will be used for that purpose. Prevloue Warm Paymerth 6 Credks FINANCE CHARGE Tr+reacdorm New &dame Minim(m Payment ( $6,404.92 -= $0.00 + $132.58 + $6,625.50 $1,257.00 Aug. 19, 2008 - Sep. 17, 2008 Page 1 of 1 "wCullum Account Your Account hdommiion C RAWARDs TOTAL CREDIT LINE $5,00000 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $6,000.00 AVAILABLE CREDIT FOR CASH $000 Finance Chlrpes (Please see reverse for nnpalent infamatioln) Babrice rate Parodic Correaporxing FINANCE wplsd b rate APR CHARGE Fpwdwes $2,02144 006822%D 2490% $4137 Cash $4,450.67 0.0RO%1) 2490% $91.21 ANNUAL PERCB/rAGE RATE appled this perbd: 24M% myeurfleni -GobMw b'Mg9esyraoocud, or Qe 1bOD50MW b spat abet or stobn cad or Walk b Qmh. Rentals ® fewOd-atomy,midmira«matyarpwwrtIo ?-0?One 4 Bak (USA), NA • P 0 Bw 70884 • Qratlb, NO Sand Issqubles b: C11PW Ore- P 0 Bare X= • Set Late Oy, Ur 841MM6 ® Mer?DsYarRawardsaribreb?'vsdn9 or QIt 1E0D,a8,3pptor at tE0D.a8.300t Nacre a qusWm about a dwge an your skb mrdl Please refer b the B1bg R#b & nmay m the bwk of you sralerrrent or vsd Due Date 2008 (Oct. 131 F1,1 EPAYArlF"n2$"uNr You're belmd by sx p*n" It We charge off you accent de to W or moved payments, finance dargw wl wntin a to accrue Act now to prevent this from happening Please pay the mnsnun terrt aecredimtOwahCUd -Capital statement Y«r or rive us a call at 18W 955 66W We're here to h* rake c&*01 of eynnyour "Mnporlerd Notioe° LjrKW Ore terms ere Pieva sb dscbsad to You, Your a=" s raw d9fota for an arcrease in Ames PercerMp Rates (APRs) efthre rnnrarhe* Fbwever. C"I One has elected not to mee your APRs at has time Pease be adinsed hM f you tat to keep You account n good starrdig, COPrlal One W& M the r9 ht b rase your APRs in the We ReYYafdi SWltrrllrv Fhevpts avatleble ba6noe Earned Oae pwW 31444 (rehhch eausaftris pooled dews It. W'9 qcb) 0 Ave"Beience 3,444 CMOs dr Tramuled its 1 12 SEP PAST DUE FEE $0 2 17 SEP CAPITAL Ott hEMBER FEE ? ? Youraccount has gone over is credit Imit To crest addihorrel overirat fees, please Pay arc to b brig YON balance babes your oredd hind immodetely, and make sure you mrren below your anti bnd Please be sure to accent for any fuhxe purchases, tees, aid fi erm chag® You were assessed a pest due fee because you naaraim peymert was not received by the due date To a" Ins fee in the f An, we moo ni end Oat you aloes at least 7 busneas days for ywr mnimun payment b reach CapW Ore PLEASE RETURN PORrION BELOW WITH PAYMENr OR LOG ON TO W WW.CAPRALANE.COM TO MAKE YOUR PAYMENr ONLINE ??? what's ?n your wallPt?' New Bahr" Minimum Payment Due Date C$6,625.50 $1,257.00 Oat. :1:3:2:0:0:8) $2197 17 6625500113841257002 Account Number: X2197 Pam Print address or phone number changes; blow using blue a blade ink IIIIJ hIY1VVl?l Amount Enclosed C Capital OM Bank (USA), N.A. P.O. Box 70664 Charlotte, NC 26272-0664 a Avavnato• P1wr e Horm 7425161 Illllllllllrll'lllll'1111'Illllllllllllllllllvll'I'lllll'lllll'll #9026276237973596# MAIL ID NUMBER CATHY KRASOYIC 45 RENO AVE APT B NEW CUMBERLAND, PA 17070 'fill 'I'll... Please write your account number on your payment made payatrle to Capital One Bank (USN, NA. and mail with this coupon in the enclosed envelope. EXHI8II foop""04, r PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintiff, V. CATHY KRASOVIC 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 e . Dated: 1 ? ?? Davina John n A049 WELTMAN, WEINBERG & REIS CO., L.P.A. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CAPITAL ONE BANK (USA) N.A., Plaintiff, V. CATHY KRASOVIC AO CATHERINE A KRASOVIC, Defendant ,9,y C: NO. 10- CIVIL TERM MW "F .i n c ' - CD -?c:, ? C-1 TYPE OF PLEADING: C AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by: Plaintiff 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: 7425161 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) N.A. Plaintiff VS. Civil Action No. 10-189-CIVIL TERM CATHY KRASOVIC AJA CATHERINE A KRASOVIC Defendant AMENDED COMPLAINT You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 AMENDED COMPLAINT AND NOW, comes the Plaintiff, CAPITAL ONE BANK (USA) N.A. and files an Amended Complaint, the following of which is a statement thereof: 1. Plaintiff is CAPITAL ONE BANK (USA) N.A., a corporation with offices at 15000 CAPITAL ONE DRIVE, RICHMOND, VA 23238. 2. Defendant, CATHY KRASOVIC AJA CATHERINE A KRASOVIC is a individual residing at 205 CONODOGUINET AVENUE #3, CAMP HILL, PA 17011. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. COUNT I-BREACH OF CONTRACT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. 5. The Plaintiff made an offer to the Defendant to open a credit card account by mailing a CAPITAL ONE BANK credit card, bearing account number 5178052351262197 along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendant. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit "1." 6. Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to make purchases. 7. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 8. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from August 12, 2003 to October 13, 2008 are attached hereto and made a part hereof as Exhibit "2." 9. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 10. Several times throughout the Statement History, the Defendant made a payments that brought that account down to a zero balance on her account. 11. As a result of bringing the account current, the Defendant further acknowledged the terms and conditions of the cardmember agreement by his course of conduct. 12. Defendant subsequently made periodic charges and payments on the account with the last payment made on the aforementioned account occurring on February 29, 2008 in the amount of $400.00. 13. Defendant breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 14. The balance due and owing to the Plaintiff on the aforementioned credit card account as of March 15, 2011 was $11071.30. 15. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 16. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, CATHY KRASOVIC in the amount of $11071.30, with interest at the rate of 24.90 per annum from March 15, 2011 to date of judgment and costs. COUNT II-UNJUST ENRICHMENT 17. The averments contained in Paragraph 1 through 16 above, are incorporated herein by reference thereto as though herein set forth at length. 18. Defendant used his/her CAPITAL ONE BANK credit card to purchased goods, merchandise, and services. 19. By making use of said card, the Defendant has had a benefit conferred upon him/her through the use and enjoyment of those goods, merchandise and services purchased. 20. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the amounts due as set forth in the monthly statements, attached as Exhibit "2" and as such has improperly retained the benefit(s) conferred upon him/her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against Defendant CATHY KRASOVIC in an amount less than the arbitration limits with interest at the rate of 24.99. per annum from March 15, 2011 to the date of judgment and costs. Respectfully Submitted, Matthew D Urban, Esquire PA I.D. 90963 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 07425161 CUSTOMI WMnma to Capkat onet We ere pairsati b have your awl cod account This Collator Agreerwnt eaNahe kdmam about you account Plesw read N and keep N W you moods. Your conked with is IN doe card and 00=1 Mrs Almmrmt) corobls of this Cuebmer Agrannerd, together wih any charges b thk COMM( Apwmrad tai IN make a pwMW below, M Saurity Account (t spick s), M Soaaky Amount Aalyrarwnt Aparnevid p *95mbM). CepNel One Rkracy Rotloe, erry account dsdmeues Provided and dokweil to you prior To O at the tine your account oticarasid, On Ix TNA Amount Dismcltitmans to as wd arr seV aubeegren rlokcea of changes to two documents, and arty and all do w1s; cwt include you Solon (Irrdrraq aieyry a OcNo or dglal nbnaae) an any application, tabs all or other tMnce of your r refer jo no person who signed M application for aw amount (sockk a W accounthoW and to anyone dw who le sulaafnd to use M lowed h any way leech, an 'A Weil. Except as sped1caly stated beekk catch of you Is kdMduYy sad ' oblgebd under the Agnaron. The words sae; '' and 'our' ntoen Capital One Bads nit cue sumser e, assigns, agents antis authorized rspearMsMae. l M appldlon for to account awed that the awaat will be a 'Sea* Amount,' tits meats the lu df you have ptadpad b ce b Itaee VW amount This Agraaswa nit ft Beadty AwwM A ssigna i Agre ernnl (d applicable) 0 not qwk, to any Oliver Capital One Beak sown Mt yes may hew, a" now or In the 005113 cR AGREEMENT credit lnel, ewer I those transactions neanl In an mnr limit in, and those tanuclons arch foes will be sabfod to this Alownenl and M.Sealy Account q 1 reement appicsMe} Any transactions I a, -l in e paw of your oedl Ind VA not win an Increase of your cmdt Nmll tmbsa we expressly row youotatwse. AddRbnd Ome(hf and Swvlm. From Ikne to time, we may oft you benefits and services; with your wmtrri. Thaw W ewes and services may be prodded by us or tdM paraee, Ualas rcprway maids I pad of ads Agreerrwrd, ant a cept as provided In the Arbara6on Provision better, any web'-ales said servces am not e Pat d tints Apwrnent, ant am scbOd only b M Ism ail conditions ou" In the boWb or swioes brodae and clear oRldel doer ve is provided to you with rasped b M beneAta and Crudes We may ed)al, add. a dltata berwfib a services at any bur In acardama with five hmdures or doaarwrb you naive in adOw any such bateRS or services ofpn f to you In the mod mrrraM wealon of star "Guide to Gerrit' alwl spa end wperaede the hostages and services hl had bean oftW to you In III prwbtw vaabrw of Ithe n" to BwoW, wind further aoka. Except a pvrevldW by applicable, Ira, we IN not NWe H benefits or services, preluded by iMrO parties or the actions or oritslom otlnose third price. Afore, sewpt as provided In M Arbitration Provision bakes. Unttaw you have entered his a Sacurly AoooeMA ?aa??wM Agrewnaht wlh us. M amount is unemred. Exceirl as a bed hM$wjryAamWaAs4mm tASnnwd0rytappiabta).Mamountis notsaaaadbymyaMrYpNopMy ngarlbadMtemrc(sgnsiroftarbadbwlkh ad are IN VAJICL can delay ankircing NJ of our Ivs; usider this Agw brag on Is led remekm our property, and you will wrrordar it b wt WOOW W al ary than upon npwsl. AaNSrnneat We nay MWK you accord, Ito Searcy Account 0f eppWade6 M Security Amount AafparrM ApelrtheM S applicable) will our Vale under this Aywamrl b on awbrae. The aefrwe toll We our piece mdr this Atimernsurt, M S It cep ID the epandnera ta and hbraa beafenbsd The ass gree ma a may riot be In? d Coplll One Sank Youmat priM aaagnee and qtl ahhiw parfom IN of yona obgga/aw unclear awe apeanenib. You wry net banWr your Imam or your Ilghb under M Agwasrwtt M Saardly Acmud (e appfabb) or it* Security Aaaurd Awpnmant ApmarwM (ff appikable) to ay maw or rgey wlod ourwprea pdr YIIMen meant S1 t b M pracedh0 wrens. tie AgrwreM WE be bbdlnp and knee fo tlw bre1N dyou and our resprAhe aumeaora, assure and mw-. Using Your Acroual. You con makes purctvassis and obtain cash advances (11 cob advanote IN open for yaw emcanq by using your an, emoted Minter and any amount ears checks (nduchg Purhaw Checks. Cbrlverwo Checks. Special Trans* Chants and other sinter deals) that we mmyIy send b you. Addglmwiy. you may ngal a lop payrtenl on asmuM Image decks hit we none M dghl b charges you a be for such services. Who we provide you torn amount .mess clods. we wl tell you whether they will be VOW as ptadrws, cash atsaaae or Maoist W efts. Unlees we M you oawrwtee, Ccev oniance Checks any elwys be tleabd as cash adwnaea We Rwy NWW dMwA segment for your account such as a purchto agtraM, a cealt adwnoe eepnart and a apacbl YarWas sepwhL Each be su*?d btows and oond Wrw lust are dglrW than those Mt as 10 other 131. Our pip N any, for any w orglll dslaw of an amount Iaaya duck is idled b your edua)dnwga and cwt not hdtds any muwepawssYl drnatl and in no Oven win it atsd lea arsouM of lie check Your spree nit to use to card or account In connection wtan any Intro el or legal pamdig tlralmtiohs, bit ay Yhbnhel a legit grrb4p tnrrgeclorda In wMdi you e pgrs win the ate or wmun narenlwbw gel ba sub(ed so this Agraenant and the Your ca ad accounel dmey ady be aed(ltpor vald sM twld Wrposes. If you use, or authmfie 3m me eta to cue, tie Wit r amoen for any uriwAd or blgembeble purpo a, you gel be reaps" for suds cue ad may be no" to ninW sae to and hW*Cwd bkrrebnal Incorporated 'MaMarCard' or Visa USA, Inc. "Via; as arArrsble. or ilea succaewa for IN anus of expeaes teal we or lay pay as a rant of such un arkil or I gsmisble use. In any event, any unswkm or raprmw" bansacfare in wtic h you agape wit to card or accord neverheNw will be ab}c to M AgNerwrd and Ihs sar+aly Amount Aslfpnmam Agmwad tit applaMey Ya ague Mt we m not rapaabs t ryas rehaai to horror your ard a so. If you tin a prior coda cord of bunter amount wish us. or such an amount or balance of rich an amountovatrrmlemdbaronedlourail'gees and you agreed brakalete the balance of to prior amount in this form of your new amount M new arrant wit eomw Mena dwgaa ham 00"1eal M raw amount Is opened. Atpaiawd users an not WOW* Mellon" for the tooenL An nihorlmd ear nary use a aadlard, can reweat Iran errant Inbrehalbn end an *WW to be removed born to amount Suited to our de ral an auhmw.ad ur may not be abs b t iYate certain awons an in amount You agree to Provide to with kntwnalan ba6fyeg any Pere, You sutlomm b use Your acmuit irlOAN dale name, addrew die of bfM and other Idndlyi g Information we may, squat ErehmW Rob. If You meta a transaction In wawq other then U.S. fides, VLSA kdml" at r MUW6W reenleN W will OVW the charge or credit Into a U.S. doter amen in awordenoe wish their opraare npiloro or ocima rim procedures In Bled at M toe M Bemww is wnoesk"L V InWwal ate rspustlaa and kadwiLiloll el rr Aprl 2. M. she sposeentil rea, W~ #0 mwq and to will mffwq geed for g kdwwow l transactions Is Ow (1) a rate dscbd by VLOA ban Mrange of acceptable revs in wdmsses m rnaaY na bb for M appg (abb 2y ON* processing des, which rate may vary from ft ?rontral processing bel. da r n1aaaMMCad l a nd mandated dt reNI a procedures NO Or (2) a prgoovvemsreentarrirwwy andesee wwww" role N um is Ow (1) ralle In offer an the day of Ow central pmowsirg alas. Cash Equivalent Transactions. it ash advances are an optn for your amount you an use your amount b purchase, mbtn haft tier we regard n 'CAM aeukebnl iraraedlora.' As ash egtdvetent lairwackens gel be datad as o with advents and will be blbd to ft ash advai as ragmen of your amount. Cash egshwlem treeeaCUmhe Ir Aide. without srdslw. M purchase of toil brwsr many oars, bas, nary ticket, raaiho gaarig drips and cow similar produce; or union. Nothing in this Paragraph wl be eMrpabd to vNWb any bafta0len that h orA nM rimpemsaWOW ldeYour Cnml Lim% Your Hid credit best gel be decbeed when your Kw A is tecO asd). Enter Initi or at ON hater tree, we may "Wish dNSren credit hunts apply b diluent OWN* otmwomwd (with a pudawe, ash Interval and rpmW . Your MR" emit kb wit be mm" h your Pel)o k; aliment. You spree ad b allow the balance of your account (sdtdrg all ttanoctlra, few" chargere the If j oud I* applicable iv n tare op on nte amount and a? dfrrrlw or >ppk" cr or od *ftbakince won your aadt Ni by Iddhg ki de b Secu ly Account (11 applicable), we rewna M rblt eat b knees Your awk Mill If M additional kinds am provided ww a your wam is in lobos We wry bans i e or deaaw W OW Nos at any lone tea wlporiurl Prior notice 10 Y ? ou,r a" link too , knerew or decrease, your a" fth as old Jail for aah eddwas at may sake away your abYy 10 mbbh cash swoons We may honor Gera 4m In areas of your MMCkg Psymrth. You profte to pay us acI an liable for IN anhounes due renting hope to sudhoMad m of your card or aroma Including any finance dwga and oshrehreges due under Mbmt d vita Agass ent PAyrneMa neat be nude In U.S. dolts. Paynwnt rWe by s chock. away order or other napotlabs karcarant (a 9tam'! .rest be h a bum eaepubM b w end tea drawn on a U.S. 0 r1 nr4 YaSulm We aiay abata Owirllawn and olw cradle and proceeds eewg live w law s rgewrta of you amour, end b charges and due wihte eecfi segnart in any way ova dsamhka, kWWk l balance aar traaactoa) tuba bar annual p"milage mass (APRs) before wih MpbrAPRs. Payme you red to n at the oddlese for psyrrwm stated on your periodic statement gel be ca died to you amount as of dw budnws day cue value it provided (tit you send the remb erwas capon portion of your periodic Mabnnant and your check In to reinkesnme waopa provided wed (2) You payment is received in our proceaskil censer Plum aloe M hasel in (5) bust n days for petal defvey. PymarN? recoMed by w at a" oft toalm or In ay cow form may not be Iodised as of M day we reaNa Me. Our business days are Monday -Satiny, excitelg IhoAdeys. Credit a ubbgy may be ddepd In our tab nfie I k"b sauce paynwd In good funds. l Ym accept a paynwnt l sea ode place, ate may daily the asdl* of Ire W Ww t for up to fns (5) days. This may alms you to incur We psy nerit law and rktlpnal thaw dirges, and may result In your amadd being declared to a t hat s due wit be stated h your per6tlk swbned You mnirnum pyvwnt due by M dW stated in your prick late psiewit fee. Haman, you may pay moue than tlw mlrnnlYm pains nt or pay ft - I , In U. In my cue, tlnna charges; wl conNaa to to awewed during burg periods that you carry a balance regardless of whether or amt yea atalerriarllMiows a nainkoum payment dta We an now bb pwmo or peall payments, or isrns marked 'ps"W In bN'r alto *Mw langu splk or psynwns wb a request to appy, #is in epe*r wave, wMtal WM my of our rights under ids Alrwant kg our not b ruiw paNad in hi No payment ahll opus a an accord and whbcibn without our prior ve In aNpiw al. Al w ilen mmmunicalmns concert" dispoed wiouhh. indudrtp my dirk or olw the enhocut weed rr NN Is bwdesed with elm an6bra or Ilnitatlas or a ful satldaclat of a dspusd annul nwl be rivaled or ddywW to Caput Ono. P.0 Box 85010, RldroM. VA 232156010. YOU wil not web payment from soda obtained from to amaat or any other nredN amount with us. If Your pwRwvt is made to any odw address, we may accept the payment without kxN any of our his you and us dwdgs) to rasa paymau on your accent you w1ha tta as to make a one*w esicla trahda ham your bark w aril for the annual of the dark as Indicated by nuoalad d1gla This atwkdm applies b al deck(s) receivad by a during the big period am m sad by wane ate, sea you and was provided with ft" dWoeures in achance. This agi" Is auhadeaSon bo nd rw614d by to data an the dunk and Includes narbaleserns. We will non be bound by airy naYklve bled or wWOM apps a" an the Ise or none Mda of to cl l we caned proowa M eleiorifo bander, you auhatxe us to mob a dwga agMtl your bank arrant by pnoaasig the dock, rblNub dw* dal orna.henent ova rr adpul your aaaad a q popdat b ca. ed enas, rowed iwre, deblb and skdW ndbrs. We ray, In our cos dsaalak claw an expedlad psytrwd swvw, You are not eACH debit or o1w axpWled peYSdn arhbbod br ?r your amount we oe t electronic yy dwp you n apedbd paymwd be in an amount disclosed b you at to gave of be service. We are riot responsible, far any dehrhor of be payment by your depos ory kdOLNon and trey rets the fee h the eventd rich dfehow. l you ** your awtvil number or other ammoved Infomalbn to another paroai b mats a paynwrt for you or b ad on your bated, you agree cwt we may discuss your account with hr person and prooea the peyeartl Is I N were made by you. You further agree lot you will be rwpaats for el conagwnces of peywa t or nn•psy wt by such party, ahdudtg apadad payment, return prprtwtt isle Payrart and over Nog law. We mrene she right bb.WM to KOW paymnm on your behalf or to pump another person to ad on your begat Per, fodk Bhlement Each month that you have a credit or debit balance of more teat 11 In your amour, sus gel and You A Pedalic ebMwM a and who ngWmd by applicable law. The periodic Mbmnt wit snow d transactions bled to your amount dung the bNr g The Wig Pedal b the Iona hen one atakwram dakg delta tMwgh I n ludkg ft rod slosmalf dory class. The statement closing dole deWmfras Me mnh of a specific bikg Wool. For eumpie, your January bung plod Is the Wing period with to mwwt dcewhg dole in January. Fiunca Chwg#A You will be asasad lint do" as, p vAw* dbdaed b you as part of TLA Arrant Dsdowres or as we toll drdae to you if required by aDPkabla lav. Terapomy Radacdm in Finance Charge. We sown its right b not asses ay a al Nraha dwga for anY gMn b*V peiiod without wal to Vit o awse such Nrerice mhergn In a fusee b&V period, Osher Fees art Charge no blowing sex IN be billed b ft purchase sep w of your amo al and wi be Ua1W a a purchase and awled ageYni your avallhN oedN ML tnsge olansta apedlad, in every bi kg Pabd In wMcn ga(yn • 0) A saes pei rrtt fee gel be assented gfwre ddno n tt, rumor your pays to chrie stalad in periodic sbEwat (h a overW sou wll be amaed It 6% balance d your account (a any agnwnt of at way, lines durlry the C sq far arty reason is greater than the pora y a pemwnrd aedt Irma. lrapwdless d atawryoo went mer" n trwwaotlon, Nance cMrpa of any 00W IN or dwrpe, awin N appmvea named dedr %e will be aasasasd N we do not horror arty acoomt acros+ or?ladic * ?W be saaeY on a pro -pop of basis. uniess; Of any mesat. (a -a check drag a SbT4W tesatmmnt es rol WWW or rams a You u or mRW assumed mairmnl In idcmor certain dm At o n, optioonssindwe may later hw&W was this fee each 11mv, rot honond or ofd btawiaY mar MNn ia MkAmty ddNKK WMI of aYtdlor polil. even I r IatruneM g Is may be odbaod aiad ahlcely t to6med for hesuMoiont or heableded funds. We cosy dwape am of these ban or huger, or add odd ftW Use and c i ges, as below. We Main" our?dpM b emu t our la p broad pilot n ca b YOU While ma go Cads Advaaco Fa. N ash aawnaa arepent in, br Yoe ammwn s ash advance be finance aUnpa will(1)be r aaaud oar ins you obtain "a matt advance or ash ?OWN" vtad amp ovidable mg iNl The arcvM of ft WNyoadvarm to faesrgpe dupe. be adOsd b otsa firwe arega elmam m low fmdbdc adarom yaw ter purpose to W41W d paace Naffppg y peft. Thin may ss miss dadmsd for tat Will period lei be Woolor tun to wool perarhtyne cob isdd osd b yea. Membership Fse. It applicable. a manhaship fo wan be Impaaed in yea fiat big stalls apadAWy SOM oteswMt. g lies m mbualtle he Is aaeoaingindgannually. ?nt own, If thenwader rahO he is samomd mo?M l be alesasd h ? Dillrp period. The fee will be blisd to to pad" tepmad d yaw ammum and wee be hosed as a pumhm and applied ap kW your available c dt omit The membership fee wee not be refunded, In whole or in part, awn I you awe cwnml the eaoamf. TmaW Fa. A fee will be anastad for each lrahesfir d bras from you amount to your deadly Amount get you Miami. The fee will be bond to the cash Wasnoo wgnml d your = t and will be Y o as a ash aMnce and applied apaW you aveabse o Fomipe Tmnesotlon Chaps. For each tmaacliat midis in a munry other than to U.S., of U.S. Tamales, we will saw you a Ina man aaage es previarsy dbdoeed b you as pert of the TNA AabuM Disclosures of an we will dtrdcse to you N rspMM by appecabb sew. The lee will be band on to U.S. doowamountd the transaction. Credt iumau hbmoibn, You prea the we may obtain hdambm abed you from a& M nap , 9 spades a otags at any lima and hiss it for the purposes of ngrhp" yaw amt pabri n ica, mnplp your accent and mtlderhg you for new oilers end emprare• Security blNoot. The same and w d dm contained wish this perplohh appy my N the appliation It the account Mod mat to amount will be a ssamd account. You prodded to with cadah funds, which have been deposited in the Socially Amount. To seam ponnord of No balance of tee amount. and d other amounts uwsg under pro Mme of 1* tad to Sagaty Account Auipm oat Agrow is , you hew Im 0wrod, a?tlsdted and wanted b u a Malty Warned In the Security were MM aMm gun - AmarinC OR aWi std by any plasm ed any Need to a WM Of 10 SKUnty NOW IN 50 bill In imt you imicul d. If P) you dead or fall to esmat ate 8.* Amount Awfpmnnl Ages a cannot yaw aabad for away mum, we may I an to you, tervin one seat* how by d@dW rawame?gf wft ?Awder u titesbl?hepe?nmWilseja"bmawe *111 sand Nogum, all FAm Offers. The learns at any future oiler mkdrg to this smmud will be dsdosed b yy{=opua= a_JI M lira tles aNa Is made. N you accept on offer. the tents will became atedlw imedleby unless oturwisespocMad in theolbr. Odadl. We may, in our sob dhcregm, decors a deleWt Under this Agmemem It. (a) we do notana" ?w (u l mad o(y rahrin err pamwd a a bolas gun dalet tr due, (b) you a mad ai meal hint a (e) an No usadb make psesm m aawm b rat Ibrhord a amwl bepmoatd, a a daaronio debit bynr."k prwreahllow"r amountisreki n:d ehoold oriel bo pMaaed. Totes sa rr"i by ap or Mier AA?pmInd. 1kA ( ! low. we scryy aim In a?gwsob deaelph, d a de" uder Agmar at (g apptalkbl, (2) we tore madam loess to bawinwd:bbuN order the bmM d any otter g mowk sir us a any ot err aiaa a P) we oetoniw Must you code any fibs or m olo dug abkmesn0 err you sees ptceWrh Or, a mgadkg the use of, to amount or otionwW aNrryNed b tl:kaW us, (1) DenbuplCy or otlW hsolf aaadnas m halYrsed lei you a aooYW ran a 5) you der a am derkIntl baegr *I% be subod 0 Ir bmK NW40 Chiqmae and other lees pursuant b she es msd this Agmanewit -Ndudihtp any appiahle delaull rose, even ader am/ Anent Is obWned. Addtary. M may, at err sate apgan, (s) knh or not"you in "make any now machines a nth evioncaUnS an you i) ) Increase ymr minimum ppawmad vIm such rota an may sea required by law or ((??y aub)erd b the tmtThatlorw of applicable law, dose your acmur(s) and demand imaidissa payment of the waft aMNr I ' plus, of other amounts oelp cedar de terms d this ApwrtwdendtheSocurlyAomunAMel NWAproreent. To the aMnt peaMd by ?pAp? low, you a0woo to PaY u all at as actual mood mats, mbckn s press had as omayY beer (WMtha lead to an a" who Is we of our hnpbysa or an alaresy who tr rest am of our a?yq?a) hwumd by a In the cotadlen d ay aaohed you on a hunndar this Agmar:rul You also apses b pay m all at err scald cob tali we incur In your muds, Including are casts we my lemur by"yo racmoeM plsoed a Al so net, Nohkp In YMs paaoaph shot be cweoued to waM or impode am rlph b inquire arbitration In accordance with the Arbitration Provision below. ==and tfoopareslah f dg PaMlAagos {t) We my, a wily U n. with err of sdrace notlos, end mpadsa d he a duahce a limeahlaoa of aasddata& mar lids ancel to anroure sift lemporary as* emmamN, you apwa° b°Adaree?droty desuoy? ann rid u, u fth used amounttaccess edema, Your obilit" b maw and your other d4ollons under this Apsome t mrdhaM full ban ad allor tip amount is cancelled or you credit Alleges are sempnxarty, a prmronty argpanded. CaraAMbn of the ammo arhfa lempasry or penrwrrd sYUpantan of you ads alsltbee wM not surd aw eeM* hMeMel h and 10*11198" an KMUW wards and uaraed amoue asomas dada, came! an 006113 amngimam and mesa us" your and and emoted. It you do not cadwl at peaulaamtr bNlkg anagawns, you and we will consider our MCW of a preauMrind ddA b you amid to ouwdbtr yaw sulerlsagm to nemen it* amount an the twos set bri h in this Agmement and she Socu ly Amount AsabndwN Alpoemi s (t spptcable). Ymraomurd wig not be dosed mN rroouu pay ell amounts you on us Under this Apennine and liter Seariy Acooud will a wh advance banisma ) have ouNlwdm?4 limitation, kneels drggees?to popinerit assumed hos, returned payment m hip losss,? Mall cash advnwe lam, 6e?isw cogag d" atd?inj ohm tea dhrged to your aaomt. You are mapanr6le for ter anwUna wthehar they how been leou ed at do lime yes renewed a dome of he amount or am harmed mft@Wlm to your mWW to don the amaad. This may rerun t% am eppgrYq an your aoaaad aMr you liars roam skid ter sommd to be dosed end, t us amount bas Wouly been domd Ns aoobam will be reopened on ter loo $at tbrh In this Apaame and to Swdly Amount Anallpament a purchase has e ems awe.(If 'e aw CteAa *am lies tmla Wes atMr yawaCmml The nesmbKft fee fa yaw a¢aad will mrtNm» to be clhw*. to the move Pastilles! 0" W, urdl the anive amousit balarce ban base id in sit as doembW by abod ws. If the amount rsopaes4 a now mMMp flee win be awged b no amount as stated above. N you, so" a lies PAY" mhdower, went b IV""* *)*t accadialders or on a lshalad cob's mntss to lies omba d, you mull all our Cwwwr aaRaletate department and mWaidd that WmYestm. Ihmwd" tesmelter, you py amount access cheau In tl pasorh possession. Them mryba i delay in d etadisv dab of the isrrnkherlm of that peeon's smceas b ter account. The amount wi be charged. ad you and any aomar*Wm will be responsible, far any charges tNV* he use at to the aaaeo by the pint aaa ithoW or authafted wur tat amour b liter efWCtva deb d t tM.. L Born awn It the dwges do not appea m acmehl uhrM a isbr 1nw. N yes are hrheble b datreY tM put aoomt+ddars a ahodzed u w% md(s) of to destroy he unwed smart access aescls In 0* pemanb possession, and you al our Cuabrhw Relations e to your Elter you a ? mYOr the ? pawn n be closed in smarderice with she preceg tamp combooklar, I any, may egg for a now amount. C" in Terms. We my add W. mmove, emend or charge any pan of provhow of gds Atonement, M dhhdlg the amuN paab,Yw raMa(o end eml a "I g addlg nw phovVion d tles some. or e dtaat as to prorhbns In this AQInaant) at any 11me. V rN lib an, we will give you notion, Nolin will be malad b lies last b%V addroes Inillasheil in our micards for the amours Noaeeer, no note will be MOM N we RWAW* hod isd yyoouu dun yaw account would be aub)m to such sma~ or dhehga wamul alike. Charges to to NF LW pacadpa ape(s) wA apps to your aaiatnp ahxuml borax from use sNael m dab of fifie dwv, r or not to accamt balance Y cutlet IanacUot billed b tles aabud balms the chats diple and wlesdW or not you mntruus b use the ecmUnt. CNryes to bee and Other Changers wit app y ID your account from the eNecave hate d the chap. Law. WE MAKE THE f1ECIi0N TO GRANT CREDIT, OPEN AN ACC AND MR YOU A CREDIT CARD FROM OUR OFFICES IN VWMIOL This Apoaeenl is to be construed in saordernco with and C:med by the laws of the. Untied &aM of Amodca and by the Internal of tube Commoomm" of?without etriag ofbd1a any dhobe of law rule #0 would cam Nr al the d arty on a/lser than the leave of Nun United $Man of Aheevia or the Internal loos of the Commonwealth of to the %WA and dulling of he This Aor"Mo is made h Ina. N will set WfWad only by rtidmI low ad by Foliand no bra a gait grk ApmaMest a Agreek4 It a insist wNl 1Mm rood waif tlM mhaslimimbb or Inagd pat wag rail therm, but On ramalerg pads will remain In dlact Waivers. You wales the right to neah/e poke of my waiver or delay or up b MrtanalilL do" ploarld Or MOM 11d PRY e#d WW 11 SpkW Party 100110111 prooee/Irryppag" ym. Y also wake, b the wont POWA d by appkable sew, ay nbb0a d 111111110110" do*" for an additional parsed dtimaagrW b the appbtadtr Ikrltalaes P.W. Lou or Solon Cob or Amcourd Acass Cheeks. N your mad(g? a we mil access chocks an loat or shin or t someone also may be uokg term w/Mwhd your pamlalm, noty us atone by raft hies seiephaw reindeer on the beds of yaw cedl and a, N dNamnt M klaghahe maba ahoan an the hod of you oatdk: s atemals, or by strip us at Captal One, P.O. Ecs 85015. Ridawd. A232115-5015. You ON not be lade In any abet krurWpgAxed use of your cards or ac ourn access dIncb. You agree to set us at as N you deem your noses, addrew Wephone number a empbynhrht You prep b giro es wngen notion of any dgrge in yaw dug address M least 10 days batons be charge. Chin" ray sea wWnrn h the ryas prows l an tr radllena omw palbn of your palod 1 sMmesrht or may be sent to the blowing ddress, Cap OM Ont., P.O. Ban 35015, Wimai d, VA 23285. 5015. N your aabuo b a f out aCmud a I mesa tern am poem b pemYtled to use K you ages that of notes mprdp the account may be sent solely to the addMSS shown on mr Will men Communication, We may Intense YdanMbm to otters mtin" the slabs or b" or you Won" t set brth in its Clow Ono Privacy Hose, s copy of which has been pmvbd to you. Wes am note I quilea of hid perin in connection nit makilaidrg and mNakg your account, ad yes aMorks such hkd putt to mbaa Irdonaton about you b us. Wa or our reppadatwa may cahMad ywu kern We to ON hagrnlg the ammo, or b ilk for addtmW Infirratah ghoul you a yea asperWI% with Capisel One. You ap to that such mhrlardg am not wlWM 0, err no odbd saapt a e pnnry required by apppptcebse hav ad may resudt5ah consecl bronhhstmn ym haw era ", a tut tr adaYesd fan after nations. For rumple, we may contact you a r Iortr or plan of emybyme, dsbg wskeeds or holdings, an your rwobte *bow-% vokammil or amessift mochine, and by small, 1bf, moesd muspe, led maps or paeenl wait Euvept a raditW by apolcebb law, rM may moMa a Hord my ads we mks or rectos, wppcot afar ,, Ilk-loo services and use an abmbd dtatng and amomkhg Was. ARWMTN)N. PLEASE WE Ed1 AMED "ARMTRATM PROVISION.' PLEASE NOTE THAT THE TERMS INCLUDED IN THE ARBITR ILVON PROVISION ARE PART OF YOUR CUSTOMER AOREEMWF. 0 2W5 Capital Ores Sw*n, Int Cannot One is a fedi mty m*bmd smvim mark AN riots reserved. 0318-17-0305 ARBITRATION AGREEMENT M-75733 IMPORTANT., THIS ARBITRATION PROVISION 15 A PART OF YOUR CUSTOMER AGREEMENT You and we aproe Nat after you or we may. Ill either party% sole requite to any Claim his refired below) be resolved by auction Procedures and Law Applicable in Arbitration. This Arbitration Provision is made pursuant b a transaction Involving Interstate , WdYtg arbtradan. f rnemerce and shalt be awaoed by and eaamade un& the Federal Arbitration Act (me 'FAA } Ou nuns about whdher any Claim Is IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER YOU NOR WE WILL HAVE THE MUNI TO PURSUE THAT sulajed to ardDradon ataA be curved by lah pretirt¢ this Adstration Provision in the brWonat way t rt ay to enforced. consistent with the lfl h l Th 6ih t CLAIM IN CaUIiT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER / aw on ear app ArDitrylonProvp a FAA and to terrraof substaillva law conaidunt with tie FAA and applicable ahlutes of COLLECTIVE OR REPRESETRATiVE PROCEEDING. EKCEPT AS BET FORTH BELOW THE ARBITRATOR'S DECISION WILL BE Rotations. but the validity and wdorcentart of any class action waver is a Question for a tout of carrion! pAsdYdon. not an ari?r to es or other told dam id i FMAL AND BNNa1?G. OTHER NOM THAT YOU WOULD any ag alor may am decide. The orb NAVE IF YOU IVENT TO COURT INCLUDING THE RIGHT TO CONDUCT OISCOV8IY OR TO APPEAL. BUY BE LIMITED OR by appilaOf sutslandve taw OW will red have power In review the en tonceehilty or severabiliry of the raDb It Consolidation or unaM.ABLE IN ARBITRATION. THE FEES ASSOCIATED WITH ARBiTRATTON MAY BE HIGHER THAN THE FEES Joinder ofParpas,'belave).bdteawad ildefmiuarNer4htsad aiy the named panes and ally with rasped to the Obligations ol ASSOCIATED WITH COURT PROCEEDINGS. , Claims in arbielioa The rula and pprrocedures at Ba AdministrNOr. shelf govern the obbn from to Adminisirdw h a hi Spew DeNaluons for this Araltralioa Provision. For the purposee of this arbitration provisim CAtbHatlaa Provision'), the . y yyoou p w c arbilretjm dantees they eongid wlh ibis Arbtration Prorision, in Wd one Nie A?? on Provision will apply The arhiVelor will not be r iolowln0 felkdtan shell apply In addi to ffr ddinihat a Set forth in Provision shelf to, the Al b an bound by area this your (UrlantaAt><eerlwht ("Agraemeai'? W and evidence Ithat would fulkes; of local ladivall, date ' ? bob s BNt n1de to O in any mat. or to sale or tool lei 'Claim' marls any dam. rnnVroversy or dispute of any kind or inure proceedings. You or we may, love a having in arbtratim. My beawlin you and us. wtThour Wafion, arty Min that in A This dedMfilm Wintles arbitration heerng the you eltend in person vAll lake place at a f"m in the federal judicial Met Silt Includes your last-known bNing; , any way ores Arom or reaaas 1e • the Agraentad and any of Its tarry (including any pia agreements address If at same offer plan Won which you and we at#ee. You or we may, be repreaarted by counsel. i you or war molest, this arbtOta will betweart you aril its or between you acid any other aality from which we u punned your axwr? honor claims of pnvdegs recapnked undo applicable lee and will use lest shot to project cadidentiat kttdtrstlan (Including through the Arbitration Provblon (Including whether any Claim is subject • t traffic ? In writing brojers use at fur w ll h wi f ea st her ma e o v to abltratlon) ril Wde l statement a at eit y, and the timely reque " , at • hg at.Lilshrra, operation or termitatlcrr of your umxr of reasons Itr the award vtnryydfdmires, char seetwIL prN MIOOS or either t MMPIaDas • rerern0 b you account, weather they m ured bevies or after your Casts. The party intiahn9 abikatat will pay ee IntBal filing in, You of the AdmInUkaloi in of a i l Wtl d tl kYB axpunt +we apsed sampled trarsa tim involving your accent • any tr>raadiae or ny vw p a a may seek a uM 06" lees (collectively, 'Administra y Fees amts any applicable bell " l se r by a" Wft y p> dtrar mdi ho to piyntdta your toyer eaanl ? m nu es or notimhu s e yo y you tar us to ay will conasidconsider ony wwri 'r qu?wt b • any Coors or saviws Okagal to yon ar?aun • any lees nforma l or other chrges assaaed to your account. or for all ar?W of to AiMpnidrdors Fees. Weralso wDl pay ar re mlwtse you Inv all a pan of the Avilmh wls Fees t Die atNtalor daMmues dolt akaAHlon there is good reason for us to do see. We will pay ary, love and cob we • any products, services or benefit ograro rallied to or offered in connection with your account (including any Inexhince, debt ere rewired to pay by law. OttL"ist and mot as provided in this Agreement, you and we will bee all of out Rainse rat lees and cots caxefteltan or winded service toatraets and dry programs, rebates, (nduding the Admbdslrahirs Fees std the tees and oats relating to rewards, sraepehkee manbohlps, diseounN or muticrsl whdher id d r i atiomays, impale and wtrnessaii rarless of who mails Allocation of tees and costs relating to appeals h whilhYlon eriij bar tm died In the em e ll or prov or not we other, introduced, w •ourm2 LuseadhdoeueotayblandirmbddYanaYa?aaaH hi ith somemannac r pw us. any other matersrtatingtoyour acmmloryotrre NO Co isaiWaUore or Joinder of Parties. The arbitration at any ThAr deBnfdon also includes, without AMtarlara awry Claim 9 Claim must proceed an an Il*4"1 bawls. push d the Claim tall been . • regadiaec of how, a wain i is bought (tor a omale, as in initial IpErled in a court as a class action, pjvele athamey georal action or claim marelaefdm, crass-claim. Iderpleedirg or tic-poly Wim) otter MPMMNdva Of coliacNN a hon. UMess all parties mNem • band on any, theory of rabl or damages (NeNtd'eg money damages nwlNa you nee we may Join. consolidine a otherwise bring Claims nlh klus In the xo t I iduals di and a'ry tam of specific penormance at iniaotive declaratory or or a t o s. related to Iwo or move accoun n v other equitable rift Same arbbVah Also, unless all pallas consatd, me lher you nee we • based an any fMdy of hear or Noisily fIncludig contract, ton, fraud, may pirate a dais adlon. pkaf agatsy general Indian a alts mnel udim. sl?Lte. regulation. orntlnnlce Of Worgful am or i h rlprasBaNdve or collective action in saration, rwr mmaayy you or we You will hassladed ataNrvtion rt If n Il Co W ti (ma ) artlsafrsMaytype. whether napl roWns or km • node b u of bya yme coca with you at claiming trough or y . % ary s i u purms t ac o not toe the right to at as a doss nepresatNBYe or partinapaf as a I mkK% p a eo•apptkart or adltcrind uw at your content. for you member al a class of daimeeds with respect to any Claim as to which yyoour agog you refelowbit". yourbeirs ora trustee in banknequy) ' abittadon Ads beern eleddd. redh liable under any dway. • for wNeh v be directly, a ind Including areal superior M erg wq (aver itwe am not pmperly Judgment, Enforcement, FnrNty and Appeal. The obi slots ou or we seek s unless oft iben da gn nd bi din ill b t h i i rend al the time the Claim is madei •weino WcaatltatmayarlseInMetareapadeasofwhenthe y g y n e a a cal w t e st in appeal of the award by malting a*Man requed10the Administrator. tats aed Wmnataaxa that trins rise to to dlako occurred or when The appeal panel, wild will moist of has arbitrators. wit molder all teCiihaccrued WWII and legal issues arm, will conduct the appeal in the same general action, or other • made so pan der clan Kilo n, prhste gravy manna ae the initial arbiation sod wD ntdN Aretsfo based an the , repreeemalire a collective action whidt Clam shall proceed on an vas d is maiaity. The parties decision will be trial and binding. Any Wilted bull as set knh more fully in this Arbitration Provision fowl decision of the ahihabr or of the a I panel is subject to judicial mImy only as set laM under ile FM M ewaM in arbitration wilt be Arbitration Administrators. One of the following arbitration emtarcesbte under the FAA by any court having jurisdildian. dnddstrators (•Adoinislrali or. cone lively, 'Adrinishalors') wlil dmkdsler the arbitration, Mlslailaneers, Waiver, Saeerabililty, Survival. a year or we do not elect arbitration or otherwise enforce gets ArNUation ProvKiort in JAMS 0 connection with any ports oar Claim you or we will not walve any r Is This uire arbitration In connection with thel or any other Claim to re 1920 Main St., $16.30 Irvine. CA 92814 . q Arbitration Provision dull survive. () suspe elan, Nrmlnaton, wiew.pmsadccom revocation clown or charges of into Agre sture. you account and your relatmship with nee: (i) to banbuplcy or ktwhancy at any pa4, and An oduan Arbitration Assn (nil) am tens in of you OMNI, or any ammtis owed on you amount, l P i i 335 hYdlean Ave., Floor 10 on an rov s to any other all= or al ft. If any ion of this ArbifrA Is deemed kwelid at uanln N rameinli patloo of this New Yak NY 10017.3605 www.drap Arbitration Provfian shall nevertheless remain volid and in lace. In the grand a a cratd or intenotin y bekvven this Arbitration Provison National ANtrallon Foram and that Ow provisions of this Agreement or ay prior agr sawL Nis P.O. Boa 50191 Arbitration Provision stall govern A. phriocopy or other nape of its Minneapolis MN 55405 Agreement and related domaenls maybe used in piece of the originals wwwarbitnal(On-orun.com fa all purposes including litigation You mry mmlad ay of the Ad m ra slratora to obtain iMrnmelion 0 2005 Capital One Was, Inc. Capial One Is a federally legidaed aborA a lillation. orb op. rules and p tooduri s, be schedules and services mark. All rights rersarved claim bas. Election and Initiative of Arbitration. You or we trey emu arbitration under Ibis ArbRgtion Provision with respell to any Claim men t the Claim Is pun of a lest brought it art You or war may malte a notion or request in court to cw* arbitration d any palm brot as put at army fws& We will not ded or Inum aWbation of aM fim=brarghtnaarsUddnxma (1orlheegrNafnt.soloanrgpu onDlhall ran kdlvLU is mlda soMl fn N thatttn th i Cl y , m ront s e a or joint armor t holds and f not made as pan of a class Notion, privaf attorney general radon or near respresma fve or collective Notion. You and we most blow to rules of the Administrators ra initials arbiestion It you initiate arbitration, you may choose area at me Administrators, and you mind mail us dry rota repwrd by the Akrinnishator to P.O. Bar 85590, RUanord. VA 23285-5550. It we kttlef arhAetion, we will cdooss one at the Administrators. and we will mall you any Notice rTired 6v the Administrator to your IaSFtmown n th I ro bi ill h ti d ce e ar on, we w c a a tra biNNp actress. II we have AdmiNabaar atyour request if you unley us IN wrtiAg at the above adrees whhin Ilifm days of the date of arly notice we send you of our initiation of arbitration. Account PYevnous Bata ?r $00 Payments, Credits and Adjustments J0 Tninsa eons $49.JU Fvnance C'rycs New Balance E49.G0 Minimum Ansount Clue 515.00 Payment Due Date October 11, 2003 'l'ocal Credit Lane $5,000 Total Available Credit $4,951.00 Credit Lire for Cash $1,000 Available Credit fa Cash $1,000.00 A t yotv service To cd Cwmma Rdatsoos of to mgort a l for smlm-i-- 1-800-903-3637 F. free online nomu a savor and epos.1 a n-. offin, log on to Smd payments to: Sad -p- to: Aim: R? Ptwesung Capal OM Savor Caput One Sanea P.O. Bor 85147 P.O. B. 85015 RtJunod, VA 23276 Rdurend, VA 23295-5015 Imuortant Account Inftvmafion Capital One isa proud sponsor of the 55th Annual Pnmenme Emory Awards Telecast- Tune in Sunday, September 21st on FOX from 9-11 pm. ET (7-10 p.m. CT) to see the talent you've enjoyed during the past seasoa unite to celelrale another year of groundtaeak ng work in television. Capital One wants you to be a part of the ewtermad Check out Capital One's ad in the September 12th issue of People Magazine or visit redcarpetwedcend.wm for nncre details. m c N PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 AUG 12 - SEP 11, 2003 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 11SE P CAPITA L 0NF. N! FMB ER FFF, $42.00 Finar,ceCharges Pkrmseerm mnkforrmpoozantinforrn ahonn Ad r , ? Ptr. w ? ?' etppbedm rdr HARGE PURCHASES 3.00 .00000% .00% 3.00 CASH 3.00 .05452%P 19.90% 3.00 ANNUAL PERCENTAGE RATE applied this period 0000000 0 5178052351262197 11 0049000000000015006 7425161 New BA"Ct $19.00 Minimum Amount Due $1500 Payment Duc Date October 11, 2003 Total enclosed $ Account Number. 5178-0523-51262197 Pf,-,%-rnmda,g d-- 4d- 6N <.bi-k inf. 0.00% Sin: sa,rt art Home A- Plecmwe A- #90255762379735907 MAIL ID NUMBER CATHY KRASOVIC Capital One Bank ??• 205 CCNOCOGUINET AVE P O Box 8547 u 111.1 t 11u1 u u11 n APT 2 Richmond, VA 23276^, CAMP HILL PA 17011-4153 III Is [loll go 1'1'11loll "111111dh 111' Is 11111111111 l'tlt"t it' ° 1tuIIIuuIIInun Ape I ZIP r Place anit-yt7xrareamt n-her ax y rlnrk or marry order mod-p."bleto Capita Ow Bank and mat in the rndnred evvekpe Account Previous Balance $49.00 Payments Credits and Adjustments $.00 Transactions $29.00 Finance Charges 3.!9) Ncw Belawx $78.00 Minimum Amount Due $30.00 Payment Due Date November 11, 2003 't'otal ere" Line $5,000 Total Available Credit $4,922-00 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 At your service To roll Chrome Rdatmis or to report a lost or stAm ord 1-800-903-3637 For free online neaouttt terorn Hal q...1 atstaii. offer, log on tit. --p"- S-4 payments to: Sad utgmnc to, Attu Ratntmnee Pro«swng CapadOne S.- CapmlOneSa- P.O. B. 85147 P.O. Box 95015 Rd-.4 VA 23276 Rdtmond, VA 23285-5015 Imnortaxrt Account Infomntion Cast your vote on eapttalonebowl.com to help select the National Mascot of the Year from the 12 finalists, and be suite to tune to to ABC college football, ESPN, and ESPN2 to see uhis year's mascot eominxrci" Thus year's winner willbe announced during the Capital One Bowl, which airs on ABC at 1:OOp.m ET on Tamrary 1SL N 0000000 0 5178052351262197 11 0078000000000030001 7425161 New Balance $78.00 Minimum Amount Date $30.00 Payment Doc Datc November 11, 2003 Total enclosed $ 1 -1 Account Number. 5178-0523-5126-2197 PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 SEP 12 - OCT 11, 2003 Page 1 of 1 Payments, Credits and Adjustments Yxu scheduled payment has not been received. Please remit the amount due appearing on this satrmem. Lf w i have aketdv made yrnr lxnment, plrrir accept »v thanks 'T'ransactions 1 11 OCT PAT DUE FEE $29.00 Families in PA EARNING INCOMES UP TO $43,240 p? yew may be digtbk for low-cost or free health care crnterage FORTHEIR UNINSURED CHILDREN. Ifyou or someone you know has a child wulioat health insur n tall toll live 1-877-KIDS-NOW fa mfamation about the low-cost or free health care coverage programs in PA. As a valued Capital One automer, you are eligible to receive a free Year-End Summary that recaps your 2003 charges. Rase call 1-877-412-3311 before December 12, 2003, to reserve your copy. All orders will be processed between January 15 and February 29, 2004. You were assessed a p due fee of $29.00 on 10/11/2003 because yota rmnimum payment was not received by the due date of 10!11/2003. To avoid this fee in the future, we recommend that your allow at least 7 buwtess days for your payment to reach capital One. Finance Charges Pkaxs envtzserrde/6r m fortart rnf»nwtrm P - , Con,ne 411 MEE PURCHASES 149.00 .00000% .!.0016 3.00 CASH 3.00 .0538M6P 19.6596 $.00 ANiWALPERCENTAGE RATE applied this puiod Plemep,mfm dm'r 4i r? r- 1'&v% ,hk ess zhim bL .E wk 0.00% sin: Apt d City S- ZIP :-Tome Pl- Al- Pl- #9028570237973597# MAIL ID NUM14ER n CATHY KP.ASOVIC Capital One Hank 205 CONOOOGUiNET AVE P O Sox 85147 loll 111111111111111tH N aa? APT z Richmond, VA 23275 N CAMP HILL PA 17011.4153 '1111'1111111loll 111'11It1'11ull mail 1111111311111sill 11111111 ° ?• 11111I11111I1111111uf1111111111111111JOIN "1'Innr'1'1'1'1) PAW, wrrteynwauowd nw,&ro, y-CA cF err rromy order madcpayabA• to (apa. 0,, B.,,* and mail,, tlxcndaredrnzrbfr. r Account Summary Previous Balance ;78.00 Payments, Credits and Adjustmenrs S30.C0 Tcansat ris x00 Finance Char3es S110 New Balaria $48.00 Mutiniwn Amount Dw $15.00 Payrcerrt Due Date December 11, 2003 Total Credit Line $5,000 Total Available Credit $4,952.00 Credit Lure for Cash $1,000 Availabe Credit for Cash $1,000.00 At)mtrservicc To.A Cut. rRdau-of mrcpoctaloct or ftk. u&- 1-8W903-3637 For free onLne occount swim and sP°'in1 autanc offer, log on to Sand Payrnrnu to: Sad mqunc ter. Attn: RammrKe Procaung Caput Ono Say- Capal One S- P.O. Box 85147 P.O. Box 85015 Rrdunond, VA 23276 Rrrhrnond, VA 2M-5015 M 0 m 0000000 0 5178052351262197 11 0048000030000015001 7425161 New Balance $48.00 Mmimum Amount Due 115.00 Payment Due Date December 11, 2003 Total enclosed S I Accuuot Number. 5178-0523-5126-2197 PLATINUM MASTERCARD ACCOUNT 5178-0523-51262197 Payments, Cm&ts and Adj starents OCT 12 - NOV 11, 2003 Page 1 of 2 1 25 OCT PAYMENT RECEIVED - ITIAtNK YOU $30.00- :1, a vdued Capital One costumer, ;ou are eligible to receive a free Yes-End Suuuriary dut rears ru 2W3 cd>arge- Please call 1-Sir-412-3311 before December 12, 200.1 to resw a your copy. ill orders wiB be pros ed between jar-y 15 sal February 29, 20u4. Finance Charges Pl=ejerrrvAXtidefirsrnpartant injormarrttm a?.n m W CHARGE apt dm +?r PURCRASFS 56058 .00000% .00% 5.00 CASH 5100 .05384%P 1965'% 5.00 ANNUAL PERCENTAGE RATE applied this period 0.00% Pf-prva?d r m y r ??4,1,w m,4W ,,,HwA=k 9- Apt, A Gry S- ZIP Home Plna< Alwaate PLooe e &-LAddr _ {:903'-6762379735902 MAIL ID NIIM132R CATHY KRASOVIC Capital One Bank 205 CON070GUINET AVE P O Box 85147 st1n1 111111 o APT 2 Richmond, VA 23276 CAMP HILL PA 1701. 4153 In1tlooll11 11111 1 gill 11111311111111 a loll 1Nu1111uugill tl1Jnloll ilt111utIloilo uivitlpill PA-, wrrtcynsv-wa nwnlrrairyote rhrxk 7 moray order madrpayable to Capital OwBankand mail in the+uJ-d-v4,tr. r Account Prehous Balance $48.00 Payments. Credits and Adjustments W.00 Trm, actions 5!.)0 Finance Charge 5.2-0 New Balartec $0.00 Minimmo A-t Due $.00 Payment Due Daze January 10, 2004 Total Credit Line $5,000 Total Available Credit $5,000.00 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 At yourservic e To dl Cusmmer RddNms or to report a lox or stolen oud: 1-800-903-3637 For fine onLne -am same aad speed automa oSea, In on to: ww.v.rnpsr b?w?wn Smd Payments to: Send mq- to: Amt Ren ft- Pr mpg Capml One Savaos Captal One Savma P.O. Bea 95147 P.O. Box 8SO15 Radunad, VA 23276 Rsdunwd, VA 23285-5015 n m Q 0000900 0 5178052351262197 11 0000000048000000004 7425161 New Balance $0.00 Minimum Amount Due $.00 Payment Due Datc January 10, 2004 Total enclosed $ Amo=Numbc 5178-052351262197 PLATINUM MASTERCARD ACCOUNT 5178-0523-51262197 NOV 12 - DEC 11, 2003 Page 1 of 1 Pay=nta, Credits and Adjustrnents 1 o6 DEC PAYMENT RECEIVED - 7 IANK YOU y18.00- F'ummChwges Pf=esernu sidefirvn(patanttnfxnwtion Rol nr.de Flrndr -Z-1g .,pp1'rdro ra. PURCHASES 5.00 .ooooo% .00% tro CASH 5.00 .053844P 19.65% 5.00 ANNUAL PERCENTAGE RATE applied this period 0.00% Pf,-p,W-Z gu o- nd' rnmlrhm6ski 661- K-i m.E apt M Gry S- ZIP Home Pfum '11a P1- #9034676237973597# MAIL IO UUMSER CATHY KRASOVIC Capital One Sank 205 CONODOCUINET AVE P 0 Sox 85147 111111111 IN III APT 2 w ?o Richmond, VA 23276 v = CAMP HILL PA '_7011-4'_53 ° ;?.. Pka s=te yv cawmmt nrm bl on yo or ktvi or money order mad payabk to Capital One Bank and mail in the rnrl&ed nvelope. r I PHCP16701/011104/17:09 CYCLE 0 11 517805235-1262197 REFERENCE NUMBER PREV-BAL CATHY KRASOVIC 205 CONODOGUINET AVE •00 APT 2 CAMP HILL PA 17011-4153 ------ N0000D029226543-AO49_2010041710040111-stmt.txt BANKCARD STATEMENT INFORMATION 01/11/04 PAGE 9804 MERCHANT DESCRIPTION TRANS POST MAIL/ SIC TMP FLR LCS HEM AMOUNT DATE PHONE CODE POST CRS ID CASH-ADV PURCHASES LIFE FIN-CHG CREDITS PAYMTS NEW-BAL MIN-PAYMT .00 .00 .00 .00 .00 .00 .00 .00 --------------------------------------------------------- --- DEBIT ACT DATES --- CASH PURCHASE SPL TRNSFR BILL UNPAID BAL .00 .00 _00 FIN CHG 08/22/2003 CREDIT LIMIT 5,000 BILL UNPAID FIN CHG .00 .00 .00 !EM FEE 08/22/2003 AVAILABLE CREDIT 5.000.00 PREVIOUS BAL .00 .00 .00 OL 08/22/2003 OVERALL APR 0.00 AVG SAL .00 .00 .00 PAST DUE 10/11/2003 CASH LIMIT 1,000 FIN CHG -00 .00 .00 RET CHECK 08/22/2003 CASH AVAILABLE 1,000.00 NEW BAL .00 .00 .00 TOTAL PAYNENTS,CREDITS.ADJUSfTENTS .00 TOTAL TRANSACTIONS 00 SPL XFER LIMIT SPL XFER AVAIL 00 BILLED UNPAID ANTS: PASTDUE .00 OVERLIMIT .00 RETURN CHK .00 MEMBER .00 CA FRONT END .00 MISC .00 CLIENT 01 COMPANY 0001 BALANCE APR FC BALANCE APR FC ---- MISCELLANEOUS ---- ASSOCIATE 119 BAL WHO 2 .00 19.65 .00 .00 00.00 _00 AFFINITY 002 DUE DATE 02/11/04 PRODUCT 25 STMT CLOSE DT 01/11/04 SUB-PRODUCT 023 PAST DUE NOTICE 0 STATE-TERMS 44 CYCLE DAYS 31 Page 1 7425161 I PMCP16701/031204/08:03 CYCLE # 11 517805235-1262197 REFERENCE NUMBER PREV-SAL CATHY KRASOVIC 205 CONODOGUINET AVE .00 APT 2 CAMP HILL PA 17011-4153 ---- N00000029226543 AO49_20100417 2004031Lstnt.txt BANKCARD STATEMENT INFORMATION 03/11/04 PAGE 3300 MERCHANT DESCRIPTION TRANS POST MAIL/ SIC T!P FLR LCS MEN AMOUNT DATE PHONE CODE POST CRB ID CASH-ADV PURCHASES LIFE FIN-CHG CREDITS PAYMTS NEW--BAL MIN-PAYMT .00 .00 .00 .00 .00 .00 .00 .00 ---------------------------------------------------------- --- DEBIT ACT DATES --- CASH PURCHASE SPL TRNSFR BILL UNPAID BAL .00 .00 .00 FIN CHG 0812212003 CREDIT LIMIT 51000 BILL UNPAID FIN CHG .00 .00 .00 HEM FEE 08/22/2003 AVAILABLE CREDIT 5,000.00 PREVIOUS SAL .00 .00 .00 OL 0812212003 OVERALL APR 0.00 AVG BAL .00 .00 .00 PAST DUE 10/11/2003 CASH LIMIT 1,000 FIN 04G .00 .00 .00 RET CHECK 0812212003 CASH AVAILABLE 1,000.00 NEW BAL .00 .00 .00 TOTAL PAYMENTS,CREDITS.AD7USTMENTS .00 TOTAL TRANSACTIONS .DO SPL XFER LIMIT SPL XFER AVAIL .00 BILLED UNPAID ANTS: PASTDUE .00 OVERLIMIT .00 RETURN CHK .00 MEMBER .00 CA FRONT END .00 MISC .00 CLIENT 01 COMPANY 0001 BALANCE APR FC BALANCE APR FC ---- MISCELLANEOUS ---- ASSOCIATE 119 BAL WHO 2 .00 19.65 .00 .00 14.90 .00 AFFINITY 002 DUE DATE 04/10/04 PRODUCT 25 STMT CLOSE DT 03/11/04 SUB-PRODUCT 023 PAST DUE NOTICE 0 STATE-TERMS 44 CYCLE DAYS 29 Page 1 7425161 Account Previous Balance $.00 Payments, Credits:mdAdilutments $.CO Fri ti- s:w F''Ln=e Cares Ncw Balarlcc $0.00 Minimum Amomtt 1T,e $.00 Payment Due Date March 11, 2004 't'otal Credit Lite $5,000 Total Available Credit $5,000.00 Credit Line for Cash $1,000 Available Credit for Cash $1,000.0 At ymlr service ToollCuft-Rdatoluorto q-iaJostwsmhto-: 1-800-903-3637 For fne o.Lae o vent sw.ee and ?p-A astomr off.., bg on to: ww.acaprlilonr_c.,m Sad Paymats to: Sad mq- t« Amt Reurmtoce Pmesstng Captml One Sir- C'4.W 0- Sane P.O. Box 85147 P.O. Box 85015 Rwh.. d, VA 23276 Rdunond, VA 23295-5015 PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 JAN 12 - FEB 11, 2004 Page 1 of 2 Payments, Credits and Adjustments "Lnpxrant Notice" You were mailed an'Lnporrant Notice Of A Change In Terms iii ),)w F e b n u a q 21x}4 srarement ca r were sent one i n a lerrer from Caporal One i n Felmtary. I f you have :t rv questions, please call the alstomer smote numcer on the bark of your cud. Important Account Information This February Capital One is in the movies[ Watch Ebert & Roeper to see their top movie pic6 and visit FbertandRoeper tv to see how you cart get tmdved and learn more about Roger Ebert 's 6th Animal Overlooked Film Festival. F-h== Charges Rea seertverx-fukfor:nrpnrtmrtrnformahon h PURCHASFS 1.00 00000% .0044 5.00 CASH 3.00 .C63U%P 19.65% S.00 ANNUAL PERCEN"17AGE RATE applied this period 0.00% 0000000 0 5178052351262197 11 0000000048000000004 7425161 New Balance $0.00 Mmimum Amount Due $.00 Payment Duc Date March 11, 2004 Total enclosed S Accoumi Number. 5178-0523-51262197 Pfarrp.mtm<,lmgadd.:,r-A -A- -.d ramga - H.4 k Sit Ap: # aw Sux Z? Home Pt- AIDanate Pore &nevAddr= R9004376237973590#t MAIL IO NUMBER CATHY KRASOVIC Capital One Bank ° 205 CONODOGUINET AVE P O Box 85-47 1IIu11I 111 .1111 APT 2 Richmond, VA 23276 ° a CAMP HILL PA 17011 4-53 r 1n 11 Is 11111111111 III1114311111111111IIIIIllII111111Ill11Ill11 ° 111111-111111111111111111'111111111111111111-1111111111111111 Place vnitcym 4c mw nwx&rm yro chark or moray order madcpoyaMk to Capad OneBont and mad; n the mw.Wa ovv&pc. r I PMcP16701/041104/17:05 CYCLE # 11 517805235-1262197 REFERENCE NUMBER PREV-BAL CATHY KRASOVIC 205 CONODOGUINET AVE .00 APT 2 CAMP HILL PA 17011-4153 ---- N00000029226543 AO49_201004171004041Lstmt.txt BANKCARD STATEMENT INFORMATION 04/11/04 PAGE 789 MERCHANT DESCRIPTION TRANS POST MAIL/ SIC TNP FLR LCS MEN AMOUNT DATE PHONE CODE POST CRB ID CASH-ADV PURCHASES LIFE FIN-CHG CREDITS PAYMTS NEW-BAL MIN-PAVMT .00 .00 .00 .00 .00 .00 .00 .00 --------------------------------------------------------- --- DEBIT ACT DATES --- CASH PURCHASE SPL TRNSFR BILL UNPAID BAL .00 _00 .00 FIN CHG 08/22/2003 CREDIT LIMIT 5,000 BILL UNPAID FIN CHG .00 .00 .00 MEM FEE 08/22/2003 AVAILABLE CREDIT 5,000.00 PREVIOUS SAL .00 .00 .00 OL 08/22/2003 OVERALL APR 0.00 AVG BAL .00 .00 .00 PAST DUE 10/11/2003 CASH LIMIT 1,000 FIN CHG .00 .00 .00 RET CHECK 0812212003 CASH AVAILABLE 11000.00 NEW BAL .00 .00 .00 TOTAL PAYMENTS,CREDITS,ADIUSTMENTS .00 TOTAL TRANSACTIONS .00 SPL XFER LIMIT SPL XFER AVAIL .00 BILLED UNPAID AMTS: PASTOUE .00 OVERLIMIT .00 RETURN CHK .00 MEMBER .00 CA FRONT END .00 MISC .00 CLIENT 01 COMPANY 0001 BALANCE APR FC BALANCE APR FC ---- MISCELLANEOUS ---- ASSOCIATE 119 BAL MTHD 2 .00 19.65 .00 .00 14.90 .00 AFFINITY 002 DUE DATE. 05/11/04 PRODUCT 25 STMT CLOSE DT 04/11/04 SUB-PRODUCT 023 PAST DUE NOTICE 0 STATE-TERMS 44 CYCLE DAYS 31 Page 1 7425161 N00000029226543 AO49-201004171004OS1Lstmt.txt 1 PMCP16701/051204/09:20 CYCLE Y 11 SANKCARD STATEMENT INFORMATION 05/11/04 PAGE 7036 51780523S-1262197 REFERENCE NUMBER MERCHANT DESCRIPTION TRANS POST MAIL/ SIC TMP FLR LCS MEM AMOUNT DATE PHONE CODE POST CRB ID PREV-BAL CASH-ADV PURCHASES LIFE FIN-CHG CREDITS PAYMTS NEW-SAL MIN-PAYMT CATHY KRASOVIC 205 CONODOGUINET AVE .00 .00 .00 .00 .00 .00 .00 .00 .00 APT 2 CAMP HILL PA 17011-4153 --------------------------------------------------------------- --- DEBIT ACT DATES --- CASH PURCHASE SPL TRNSFR BILL UNPAID SAL .00 .00 .00 FIN CHG 08/22/2003 CREDIT LIMIT 51000 BILL UNPAID FIN CHG .00 .00 .00 HEM FEE 08/22/2003 AVAILABLE CREDIT 5,000.00 PREVIOUS SAL .00 .00 _00 OL 08/22/2003 OVERALL APR 0.00 AVG SAL .00 .00 .00 PAST DUE 10/11/2003 CASH LIMIT 1,000 FIN CHG .00 .00 .00 RET CHECK 0812212003 CASH AVAILABLE 1,000.00 NEW SAL .00 .00 .00 TOTAL PAYMENTS, CREDITS,AD)UST4ENTS .00 TOTAL TRANSACTIONS .00 SPL XFER LIMIT SPL XFER AVAIL .00 BILLED UNPAID AMTS: PASTDUE .00 OVERLIMIT .00 RETURN CHK .00 MEMBER .00 CA FRONT END .00 MI5C .00 CLIENT 01 COMPANY 0001 BALANCE APR FC BALANCE APR FC ---- MISCELLANEOUS ---- ASSOCIATE 119 SAL MTHO 2 .00 19.65 .00 .00 14.90 .00 AFFINITY 002 DUE DATE 06/11/04 PRODUCT 25 STMT CLOSE OT 05/11/04 SUB-PRODUCT 023 PAST DUE NOTICE 0 STATE-TERMS 44 CYCLE DAYS 30 Page 1 7425161 N00000029226543-AO49_20100417_20040611-stmt.txt 1 PMCP16701/061204/06:15 CYCLE M 11 BANKCARD STATEMENT INFORMATION 06/11/04 PAGE 4607 517805235-1262197 REFERENCE NUMBER MERCHANT DESCRIPTION TRANS POST MAIL/ SIC TMP FLR LCS MEN AMOUNT DATE PHONE CODE POST CRB ID PREV-SAL CASH-ADV PURCHASES LIFE FIN-CHG CREDITS PAYMTS NEW-BAL MIN-PAYMT CATHY KRASOVIC 205 CONODOGUINET AVE .00 .00 .00 .00 .00 .00 .00 .00 .00 APT 2 CAMP HILL PA 17011-4153 ------------------------------------------- ---------- --- DEBIT ACT DATES --- CASH PURCHASE SPL TRNSFR BILL UNPAID BAL .00 .00 .00 FIN CHG 08/22/2003 CREDIT LIMIT 5,000 BILL UNPAID FIN CHG .00 .00 .00 MEN FEE 08/22/2003 AVAILABLE CREDIT 5,000.00 PREVIOUS BAL .00 .00 .00 OL 08/22/2003 OVERALL APR 0.00 AVG BAL .00 .00 .00 PAST DUE. 10/11/2003 CASH LIMIT 1,000 FIN CHG .00 .00 .00 RET CHECK 08/22/2003 CASH AVAILABLE 1,000.00 NEW BAL .00 .00 .00 TOTAL PAYMENTS,CREDITS,ADIUSTMENTS .00 TOTAL TRANSACTIONS 00 SPL XFER LIMIT SPL XFER AVAIL 00 BILLED UNPAID AMTS: PASTDUE .00 OVERLIMIT .00 RETURN CHK .00 MEMBER .00 CA FRONT END .00 MISC .00 CLIENT 01 COMPANY 0001 BALANCE APR FC BALANCE APR FC ---- MISCELLANEOUS ---- ASSOCIATE 119 BAL MTHD 2 .00 19.65 .00 .00 14.90 .00 AFFINITY 002 DUE DATE. 07/10/04 PRODUCT 25 STMT CLOSE DT 06/11/04 SUB-PRODUCT 023 PAST DUE. NOTICE 0 STATE-TERMS 44 CYCLE DAYS 31 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Page 1 7425161 N00000029226543 AO49_20100417_2004081Lstmt.txt 1PMCP16701/081204/06:00 CYCLE # 11 BANKCARD STATEMENT INFORMATION 08/11/04 PAGE 428 517805235-1262197 REFERENCE NUMBER MERCHANT DESCRIPTION TRANS POST MAIL/ SIC TMP FLR LCS MEN AMOUNT DATE PHONE CODE POST CRB ID PREV-BAL CASH-ADV PURCHASES LIFE FIN-CHG CREDITS PAYMTS NEW-BAL MIN-PAYMT CATHY KRASOVIC 205 CONODOGUINET AVE .00 .00 .00 .00 .00 .00 .00 .00 .00 APT 2 CAMP HILL PA 17011-4153 ------------------ --------------------------------- --- DEBIT ACT DATES --- CASH PURCHASE SPL TRNSFR BILL UNPAID BAL .00 .00 .00 FIN CHG 06/14/2004 CREDIT LIMIT 5,000 BILL UNPAID FIN CHG .00 .00 .00 HEM FEE 08/22/2003 AVAILABLE CREDIT 5,000.00 PREVIOUS BAL .00 .00 .00 OL 08/22/2003 OVERALL APR 0.00 AVG SAL .00 .00 .00 PAST DUE 10/11/2003 CASH LIMIT 1,000 FIN CHG .00 .00 .00 RET CHECK 08/22/2003 CASH AVAILABLE 1,000.00 NEW BAL .00 .00 .00 TOTAL PAYMENTS,CREOITS.ADJUSTMENTS .00 TOTAL TRANSACTIONS 00 SPL XFER LIMIT SPL XFER AVAIL 00 BILLED UNPAID AMTS: PASTDUE .00 OVERLIMIT .00 RETURN CHK .00 MEMBER .00 CA FRONT END .00 MISC .00 CLIENT 01 COMPANY DO01 BALANCE APR FC BALANCE APR FC ---- MISCELLANEOUS ---- ASSOCIATE 119 BAL WHO 2 .00 19.99 .00 .00 14.90 .00 AFFINITY 002 DUE DATE. 09/11/04 PRODUCT 25 STNT CLOSE DT 08/11/04 SUB-PRODUCT 023 PAST DUE NOTICE 0 STATE-TERMS 44 CYCLE DAYS 31 DISPUTE UNPAID PURCHASE BEG SAL: 0.00 DISPUTE UNPAID SPL TRNSFR BEG SAL: 0.00 DISPUTE UNPAID PURCHASE END BAL• 0.00 DISPUTE UNPAID SPL TRNSFR END BAL: 0.00 Page 1 7425161 Account Summary Previau Bak= $.00 Pxyment%Credits:tnd. Adjustrnmr x?ro 1nnsactxms 5.00 Finance Charges 5.00 New Balance 50.00 hluuumni Ama,nt Due S.00 Payment Due Date August it, 2004 Total Credit Line $5,000 Total Avail" Credit $5,000.00 Credit Lbw for Cash $1,000 Available Credit for Cash $1,000.00 Atyotuservim T. oA Cuemme Rdanons or w repot s lost or amlm -& 1-800-903-3637 For fix onlns ooaount fetvace and tpxisl astomc offan, log on to: ww.v.®ptsknemn Smd payments to: Send uuyurm to: Ame Rmurmrwe Pmensmg Cap.t.i 0- - CaFdd 0nc Savsm P.O. B. 85147 P.O. Box &5015 Rxhmond, VA 23276 RA mond, VA 2328.5-5015 PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 Payments, Credits and Adjustments JUN 12 - JU I, 11, 2004 Page 1 of 2 F-manceChaW Pluuesms msid rnotim nrfvrtmttinfor eefr j ? aL. e< r p P1.+ed C° ` B R n j W gaPdr dm APR HA E PURCHASES S.00 .0408216 14.90% S.00 CASH S.00 .0547?%P 19.99% S.00 ANNUAL PERCENTAGE RATE applied this period 0.00% PLLISL RLIURN PORI ION BLLOW W11 H PAN N4 LN I 0000000 0 5178052351262197 11 0000000048000000004 7425161 Plaapnntaa,tmaad? s-mmlJamgu k1 ram6 N- K-i wE s- APcd ZIP New BA U" $0.00 Minimum Amount Due S.00 Payment Duc Daze Augtnt 11, 2004 Total enclosed $ ?1 Account Number. 5178-0523-5126-2197 Home Pl- Alieoace P1mae &c 1Ad&- #9019376237973593# MAIL ID NUM13ER CATHY KRASOVIC Capi?al One Bank = 205 CONOJOGUINET AVE AP 2 P C Box 85147 IllttttJd.1I,LLtII Richmond, VA 23276 CAMP HILL PA 17011-4153 It 11111111 itvigil Iitltllstill [01111111111111112111111111111111 Ittilllttt111. 11111111111111111111lltl11#1111111111[t11 1 tltllI Place aunteymvarcowa nwn&rm yarrrclrak or money order made fryabk to Ctpax OrreBank and mail m the enclmed e=Wope. F Account S Previous Balance $.00 Payments, Credits and Adjustments tw T:.msactions $49.00 France Charges SAO Ncw Belmcc $49.00 lt'taninnurn Amount Due $15.00 Payment Due Daze October 11, 2004 Total Credit Line $5,000 Total Available Credit $4,951.00 Credit Lim for Cash $1,000 AwAilile Credit for Cash $1,000.00 PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 AUC 12 - SFP 11, 2004 Page 1 of 2 Payments, Credits and Adjustments Trlrsactions 1 iliEP CAPITAL(>NF.tiIe.??18F.i26ttTi S49.(X) Asa valued Capital One -stoner. you arc eligible to receive a Gre Year-Erd Si-nary that qa your 2004 charges. Please call 1-877-794-44zr before December 12, 2004, to reserve your cnpy. All orders will he processed between Jamtary 15 and Felxnary 28, 2005. At your service To-1 Cusw r RcW-or w report a duet or AA. oak 1-800-903-3637 Fx free .In. --.t savi?ce and q."out aoffens, log on ter. w.V.v.®1.tabrtr_..,m Sa.dpnymenb to: Seal utqurw to. Attn: Remnnrk Proennng Cap.ml Om Servuxs Capad On. Savurs P.O. Box 85147 P.O. B. 85015 R,d-- t, VA 23276 Rid nand, VA 23285-5015 Important Account Idomtation Are you watered to vote to this yea's general edeenon? It's not too late! There's still time to register, so go for it. Your vote can nuke a dtffaenex this Nrwemlter. Call or vest your local votes registration oaxe or go to www.everywtecounts2oo4.com to make sate y Dw twice is heard. Every vote couuus! l rrn i t tO n rir i7sporAmiott Finance C aw Plomsee repajjesid innf 1?1 X e N ` !F J( o ? ' y 40 Ali( 1..T1tul?L PURCHASES $.00 .04082% 1,90% $.00 CASH 3.00 .05477%P 19.99% SAM ANNUAL PERCENTAGE RATE applied this period 0.00% PLLASL RL I U R N POR T ION BLLOW WHH PAS M L N I 0000000 0 5178052351262197 11 0049000048000015000 Pkmspnmtmadmgadbma? e-mmloSmgrs&! 6Nra?>.I?l cF act: New Balance $49.00 Minimum Amount Due $15.00 Snr Apc x Pavmcnt Duc Date Odobcr 11, 2004 aq sax 21P Total enclosed $ H-pt.. Pltecmte Pl»ae AcomwNumber. 5179-0523-5126.2197 n E..dAdd- #9025676237973598# MAIL ID NUM13ER Caoti?al One Bank CATHY KRASOVIC P O Sox 85147 161111 1111811 1111111 150 5TH ST APT 19 Richmond, VA 23276 o NFW CUMBERLNO PA -'7070--954 IftIsIIIIlrrt611utitllu161JI111 trttttlLit1 16111 111161 1 utlUtatlII...1 111 ttt...I11t1 tu661u11111111 661161 7425161 Plane tvitcywtcmrowtt rsvm&rorsyov'r1nr.4 or nwncy order srta& fuywbk to Capifar OneBarte cnd mail irs tbceruared crrerdope Account Previous Balance $49.00 Payments Credits and Adjustments $68.99 Tratnacaons $375.52 Finance Charges 5609 New Balance $361-62 Nt.im-A,nount Due $15.00 Payment Due Daze November 11, 2004 Total Credit Line $5,000 Total Ava"ale Credit $4,639.38 Credit Lme for Cash $1,000 Available Credit fm Cash $993.91 Atyourservke To ®1 Cuo-Rckto or tozcport a tat or st Aen ord: 1-800-903-3637 For fra onhns ooeount caner asd sF-,d of t-offers, log on to: ww.r.repnnabnc.vrn Sind PaYmaab to: Sa'd a.P- t« Ante Rausmsne Prorosasg Capml Osm Surma CaP.ml 0-S- P.O. Box 85147 P.O. Box 85015 Rmhmond, VA 23276 RA=ond, VA 23285-5015 Important Account Information Wart to make a difference this November? VOTE! Your vote is important, so get out thse on November 2. Only you can make sae your vowe is head. Every vote cnssnts! N PLATINUM MASTERCARD ACCOUNT SEP 12 - OCT 11, 2o04 5178-0523-51262197 Page 1 of 2 Paynrcnts, Credits and Adjustnxnts 1 23 SEP 2 o80Cf Transactions PAYMENT RECEIVED - T RAINK YOU SEARS ROEBUCK 2624 CREDLT $49.00- 9.99 3 19 SEP JCPENNEY STORE 2712 CAMP HILL PA $21.99 4 19 SEP SEARS ROEBUCK 2624 CA-NIP HILL PA 19.99 5 20 SEP WEIS MARKETS #125 SSHD CAMP HILL PA 40.53 6 20 SEP HESS 38419 LEMOYNE PA 934 7 23 SEP WAYPOINf BANK #7 N CUMBERLAND PA 100.00 8 29 SEP GIANT FOOD STORES #SLA NEW CUMBERLAN PA 36.52 9 30 SEP EXXONMOBll750421IQ19 CAMP HI L, PA 83.68 10 05 OCT GIANT FOOD STORES #S1A NEW CUMBERLAN PA 33.95 11 08 OCT WALDENBOOKS 01006634 CAMP HILL PA 9.52 12 08 OCT HOLIDAY HAIR CAMP HILL PA 20.00 13 11 OCT CASH ADVANCE FEE - - FINANCE CHARGE 5.00 As a valued Capital One custorner, you are eligible to receive a free Yes-End Summary that recaps your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. All orders will be processed between January 15 and Febntary 28, 2005. As long as this, benefit is available for your account, you must call in each y= in order to receive a Year-End Summary. You will be notified is your statement on how to opt in for your Year-End Summary. Furance Charges Plasters rrvefA fide for=mportant xnformartm Ra?,K V11- SW E ppditm ,?. PURCHASES S.00 .04082% 14.90% $.00 CASH $63.65 .0568246P 20.746 SL09 ANNUAL PERCENTAGE RATE applied this period 73.0896 PLLASL RLl URN PORT ION BLLOW FVU 11 PA} MLNT 0000000 0 5178052351262197 11 0361620049000015004 7425161 New Balance $361.62 Minimum Amount Due $15.00 Payment Doc Date November 11, 2004 Total enclosed $ Account Number. 5178-0523-51262197 Sex Ap,, 4 CGry Sam ZIP Home P1noe AltawVe R- #9028676237973595# MAIL ID NUM13FR Capital One Bank CATHY KRASOVIC P O Sox 85147 111uu1f1u11111111/1 m 150 5TH ST APT 1B Rtchrnon3, VA 23276 i NEW CUMBERLAD PA 17070-1954 1111111111 111111 If 111111 toll 1111116111gigolo 111111 11111 1111111 111111111111111111111f11111111111111111111111f1111111111111111 Pkarc uuiteyewrarrorart navndrron yoro•c7nr.F or monry order madcpayabk to Capital OncBank and mail in lfx cru/arcd rn-?elopr P11-P-a» gld*- mid--1.1d g. kt . g4W .n k...F osk r Account Previous Balance $361-62 Payments. Credits and Adjumments $•CO r:?t --Wlu $82.21 1-mince C}ar;es $5.55 New Balance 1449.38 Mmunum Amouun Dt,e $30.00 Payment Due Daze December 14 2004 1 oral Credit Line $5,000 Total Av"ahe Credit $4,550.62 Credit Line for Cash $1,000 Available Credit fcv Cash $892.03 Atyotuseryke T. ®8 Cusmnlrr Rdat- or to r p- a lost or AA. ? 1-800-903-3637 Forfreeonline -unr - cad speoal outomer offers, I g on to Send p ym-b to: Send I.- w Arm: R- t i- Pr-rig C.Isul One Sw,res Capphl Otte So - P.O. R. 85147 P.O. R. 85015 Rlchn m VA 23276 Richrri d, VA 23285-5015 lmoortant Accowlt Inficim ation We. would lice to take this oppatnmty to lnfmm ysar that we may report informaton about our account to credit bureaus The reporting of your -qpt information to credit bureaus contributes to your overall credit profile. Laze payments, missed payments or other defaults on your account may also be reflected in your creditxeport. rn PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 OCT 12 - NOV 11, 2004 Page 1 of 1 Payments, Cmdhs and Adjustments Your scheduled payment has not been cwtived. Please remit the amount due appearing on cbis sutement. if 3-1 have already made y- payment please a: rept - thanks Transactions 1 14 0CT KNiARToco42754 NIECHANICSBURG PA $20.25 2 30 OCT GIANT FOOD STORES #S1A NEW CUMBERLAN PA 3296 3 11 NOV PAST DUE FEE 29.00 As a valued Capital One alstomer, you are eligible to recerm a free Year-End Summary that recaps yotr 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve you copy. All orders will be processed between January 15 and February 4 2005. As long as this benefit is available for your account, you must call in each year in order to receive a Year-End Summary. You will be notified in your statement on how to opt in for your Year-End Summary. You were assessed a past due fee of $29.00 on 11/1112004 because your minimum payment was not retched by the due date of 11/11/2004. To avoid this fee to the filture, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Pkarcta revam!ridel6r tm5portarrt]rnnforrm?wthm aaO,K ne,oas ?d"IIARGE gepGrdm nor PURCHASES 11290.00 .04082% 14.90% $3.67 CASH 51K" .056MP 21.744 5188 AN- NUAL PERCENTAGE RATE applied this period 16.46% PLLASL RLI URN PORI [ON BLLO W' \VII II PAS M L N I 0000000 0 5178052351262197 11 0449380049000030002 7425161 New Balmlce $44938 Minimum Amount Due $30.00 Pavmcnt Due Date Docemba 11, 2004 Total enclosed $ Account Number. 5178-0523-5126-2197 Capital One Bank P 0 Box 851_47 I1'n'11'In'nll1lul Richmond, VA 23276 11'1'1 I"111'IIIIO?1'111'I111"IIII'111111"1'II"1111I11'I Plane vane.o -owd nrxkr-tvw Mr¢ufrmr gads-- e-mmtJmry?s brl rcm6Nw-K hm:E Saes Apt I Qty Home A- Alu¢aau Rnae E-1 Add- #9031776237973598# MAIL ID NUMBER = CATHY KRASOVIC 150 5TH ST APT IB NEW CUMBERLN7 PA 17070-1954 o ? IIII III111"IIIII111"'l ll ll lll'1'11111?11?1i1111'f IIIIII II'1 efsxk err money order madetayable to Capital One Bonk acrd mail in th,mdu ed em r&pe r lmportartt Accolmt Information It's Capital One Bowl Weak tune again! Trine to to FSPN, ESPN2, and ABC starting December 14 for the best in "-sca9nn college football anon, to see your favonte teams fight for bowl dumpiornlrips, and for cortege football's ultimate prize: the BCS National Championship. And on New Year's Day, be sure to tune in to ABC to watch the Capital One Bowl and we which mascot la crowned the Finan. Charges Ffeawsmm insidefor rmportwrt information Capital One National Mascot of the Year! Badmrara a A-& C.a+abmdar WEE E gepfirdm tilt PURCHASES 5300.72 CASH $101.13 .05134%P 18.74% 54.63 .056MP 20.74% SL72 ANNUAL PERCEWAGE RATE applied this period 19.23% NOV 12 - DEC 11, 2004 Page 1 of 2 Account Summary Payments, Credits and Adjustaxnts Previous Balance $449 38 1 15 NOV PAYMENT RECEIVED - THANKYOU $100.00- Pavrnents. Credits and Adjustments $200.00 2 26 NOV PAYMENT RECEIVED- THANK YOU 1'30.00- Trausacticus S 135.; 3 F',Mnee C. a z s 3 ._ 5 Trarsactions New Balance $391.46 3 12 NOV KMART OOMZ754 MECHANICSBURG PA $72.82 Mmianum Amowtt D- $15.00 4 23 NOV CVS PHARMACY #2882 %03 CAMP T= PA 8.37 Payment Due Due January 11, 2005 5 23 NOV THE HOME DEPOT 4120 MECHANICSBURG PA 19.05 6 to DEC BOSCOV'S 1!072 CAMP HILL PA 35.49 't'otal Credit Line 55 000 Total Available Credit $4,606.54 »tmporrant Not"' Since your account was put due, your Annual Percentage Rates (A.P.Rs) Credit Line for Cash $1,000 have been increased as previously dasdowd. All other tam and conditions remain in full force Available Credit for Cash $899.09 and effect Please he advised that under the tuns ofyatr account, your A.P.Rs are subject to additional increases ifyou fail to keep your account in good standing. Atyoursemict Want to reduce lour A.P.R.? T. all C,wmrw Rdat- or w report a lo,t or smk. and Ifwe reeeim yovir mutint u . monthly payment on time for the next six consecutive billing periods, 1-800-903-3637 this account will be rev,ewed for a pomble A.P.R. deaea e. For flee nnhne -.at aanm cad <pa il c.t-. nffen, Jog on to: .,vw.ap,tdor,c?Y,m Send p.y,r b W. Sall mg- to: Amt. Ramw- Ping Capml One Savaxs Caiwl One Santo P.O. Box 85147 P.O. Box 55015 Rad,mad, VA 23276 R,danond, VA 232a5-5015 PLLASL RLIURN PORT ION BLLOR' N'I111 PAN KI LN1 0000000 0 5178052351262197 11 0391460100000015005 7425161 New Balance $391.46 Mmimum Amount Due $15.00 Payment Due Date January 11, 2005 Total enclosed $ Acco= Number. 5178-0523-5126-2197 PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 Pl-P-tmmlmda"- amd'orr-mmlviards&! -,M h im.F. Cty s- ZIP Home Plnne .Naawle R- #9034776237973595# MAIL ID NUMBER Capital One Bank CATHY KRASOVIC P O Box 85147 5TH ST APT 1B Richmond, VA 23276 t6EW CUMBERLND PA 17070-'_954 (nhipoll u11111n11111111111111111111111np'11 ?u1???u1???u11u1111n111mill 11111111u111111111u111u1111 Pknrew tcynm ,..t m1 mbrramynrarls¢,l or nwmcy order mad<pajrabk,o CopiJai/JmeBarak and mail in the rnrlorcd<T'T^'7?6,: r Account Previous Balance S391_46 Payments Credits and Adjustments $208.00 Transactions S12L16 Finance Charges $7.78 Ncw Bala= $312.40 Minimum Amoiirit Due $15.00 Payment Due Daze February 11, 2005 't'otal Credit Line $5,000 Total Available Credit $4,687.60 Credit Line for Cash $1,000 Available Credit for Cash 5899.76 PLATINUM MASTERCARD ACCOUNT 5178-0523-51262197 DEC 12,2(x)4 -JAN it, 2005 Page 1 of 2 Payments, Credits and Adjustments 1 13 DEC BOSCOV'S #o12 CREDIT $8.06- 2 08 JAN PAY:NENT REC El VED - Il LlN K YOU 200.00- Transactions 3 13 DEC BOSCOV'S 44)12 CAMP HILL PA $1057 4 15 DEC BOSCOV S #012 CAIDIP HILL PA 60.07 5 17 DEC MOVIE GALLERY #1490 NEW CUMBERLAN PA 8.47 6 19 DEC WEIS MARKETS *125 SSHD CAMP HILL PA 42.05 Capital One is proud to sapport The Heart of Amer=0 Foundation, helping children learn to read, succeed, and make a d$etence in the world. In 2003, we gathered nearly $1 million worth of books for children in need. To learn more about how you can help a child make reading a lifelong passion, vssn www.heart*farwnca.org. At your service T. sill Q t- Rdatsoos or w report a lost or tAcii and 1-800-903-3637 For free online oowurt s -e and op"d autmer offin, log on to wr -piiaka e.- Send P.Yrrmn to: Said q- to: Attn: Ranauiiee Piocaemg Capitl One Sarin Capital Ono San, P.O. B. 85147 P.O. Box 85015 Rdunoiid, VA 23276 Rdimoid, VA23285-5015 Important Account Information We would like to take this opportunity to inform you that we may report information about your account to credit bureaus. The reporting of your account mfornu5on to credit bureauu contributes Lo your overall credit Profile. LaLe payments, missed payments or other defaults on your account may also be reflected in. you credit report. F`manceCharges Pleareraric mrideforimpvrtaatenfirmation Erlnenr? Pa,odr C Vdag ? m m geplirdto rat t1AAlL t1A °J PURCHASES S364A1 .05271%P 19.24% $5.95 CASH $101.47 .05819%P 2114% SL83 ANNUAL PERCENTAGE RATE applied this period 19.66% PLLASL RL I URN PORT 10N BLLOW W I1 H PAN MLN1 0000000 0 5178052351262197 11 0312400200000015006 7425161 Pl iuefrmt mr? gad?.u ?d e„?1r1 arbr! wmgb4.r.r6iaeF or.E New Balance $312.40 Minimum Amount Due $15.00 s - Apo a - Payment Due Date February 11, 2005 Gry aas ZIP Total enclosed S 1 -1 HomePlnne ALanaiePLwe Acount Number: 5178-0523-51262197 p #90012762379735958 MAIL ID NUMBER Capital One Bank CATHY KRASOVEC P O Box 85147 150 ST4 ST APT 1B Rtchrtond, VA 23276 NEW CUMBEP,LND PA '7070-1954 Pkmr vrtryorcnanwrt rtaon&ron yoxr rl.+ak or money order mardr payabk to Cafital OaeBmrk mid malt in tl,?ernrkred rrrrrkfr. Account Previats Balance 1312.40 Paements, Credits and Adjustments $20.00 rr?uons 171.50 Finance Charges 16.15 Ncw Bala= $370.05 Mm'vnum Anxwnt Due $15.00 Payment Due Date March 11, 2005 't'otal Credit Line $5,000 Total Available Credit $4,629.95 Credit Line for Cash 11,000 Available Credit for Cash 5899.70 AtyrxvseMce, To-11C Rdatnas or m+T-alost oratA--L 1-800-903-3637 PLATINUM MASTF.RCARD ACCOUNT 5178-0523-5121x2197 JAN 12 - FEB 11, 2005 Page 1 of 2 Payments, Credits andAdjttstments 1 07 FEB PAYALENT RECEIVED - THANK YOU 120.00- 1'talsactiom 2 17 GW GIA,,T F(X>D ?1'ORES #S1A NEW CUMBERLAN PA 143.03 3 17I.AN t;LaNT FOOD STORES *SSA NEW CUMBERLAN PA 5.28 4 26 JAN BLOCKBUSTER VIDEO #420 LEMOYNE I'A 21.19 "'Capita! One proudly supports the National Youth Anti-Drug Media Campaign. PARENTS. THE ANTI-DRUG. Stay Involved - Ask Questions To get the FREE booklet, "Keeping Your Kids Drug-Free,' call 1-800-788-2800 or visit www.TheMtiDntgcom"' We would like some ad diu nl infoamafion about you to provide you with the moat appropriate . servicing options, account terns and products Please call 1-877-282-7085 and use our confidential automatcd qucstionnirc to updatc your accounL In rcuan, wcll upgradc your account with $5,000 of Identity Theft lnstmanee - FREE! Youll learn more about this coverage when you call. Dons wait; we teed to hear from you by May 15, 2005.11ank you For Lee online account anvace and apex of cvstoma o$as, bg on ta. u-..v.cap?nlonecvxn Send Paymmte to: Send uwq- to: Attre Rmumnce Procemng Capml Oar Ser- Capiw One Servrces P.O. B. 85147 P.O. Bar 85015 Rid-.4 VA 23276 Rdunond, VA 23285-5015 FlnanceChanges Pleaa-teerran sidefor:mportanFt]innfrrmation N Bdann> f4noLr PR? gepGrdm 0 PURC1iASF5 5265.04 .052719SP 19.7N6 54.33 CASH $100.83 .05819%P 211^ $L82 ANNUAL PERCENTAGE RATE applied this period 19.79% PLLASL RLI LRN PORI ION BLLON' U 1111 PAN MLN I 0000000 0 5178052351262197 11 0370050020000015006 7425161 New Balance $370.05 M=num Amount Due $15.00 Payment Due Date Marsh 11, 2005 Total enclosed 5 AccountNumbc 5178-05215126.2197 A'<anprmtma,l gads a e-mmleMmgubl m,n6 ht-&.k mE 3- Apc 0 uq Smm 21P Home PI- Al? PLooe e EnailAddxa gt9004316237973590# MAIL. 1J NUM13ER Capital One Bank CATHY KP.ASOV LC P O Box 85147 150 5TH ST APT 1B Richmond, VA 23276 NEW CUMBEP.LN7 PA i7070--'954 of It? Place witc>vrracmamt numh?on wet rhed or money mdcr mudo payable to C"' On, Bank and mad in the mowed rmxlofr. r PLATINUM MASTERCARD ACCOUNT 5178--0523-5126-2197 Account Summary Previous Bda= $370.05 Payments, Credits and Adjustments $100.00 Transa?'tioru S.00 Penance Charges $5.29 Ncw Bala= $275.34 Minimum Aunt Due $15.00 Payment Due Daze April 11, 2005 't'otal Credit line $5,000 Total Available Credit $4,724.66 Credit Lire for Cash $1,000 Available Credit for Cash $899.59 At your service To nLL Cult- Rdauons or to report a loot w smlm wy d: 1-800-903-3637 For fsae-Lneow it setrioe assdsp-d automat offer, log oa to: ..w.veapnalnnee.,rn Smd Paymmtt to: Sid ,I- tae Aran Rndimix cc Pr,-,mg Capital One Bank Capsnl One S. P.O. Box 790216 P.O. B. 95015 St Lases, MO 43179-0216 %s hmond, VA 23285-5015 Lvportant Accotmt Information Rear review the important tnformatton enclosed with )"u statement and keep a copy for your records. PF.B 12 - MAR 11, 2005 Page 1 of 2 Payments, Credits and Adjustments 1 05 MAR PAYMENT RECEIVED - THANK YOU $100.0tY Fimance Charges Plenserarevnxridefor:mportant mformafran > > ?.dar WEE °.' PURCHASES $247.02 .05271%P 19.24% 13.65 CASH $100.10 .05819%P 2114% $1.64 ANNUAL PERCENTAGE RATE applied this period 19.83% PLLASL RLIURN POR110N BLL04V 41'1.1 H P:%1 NILN1 0000000 0 5178052351262197 11 0275340100000015000 New Balarce $27534 Mrmtnnm Amotmt Due $15.00 ----------- --- -- ------- S- apt- k --- Payment Duc Date April 11, 2005 aiy Shp ZIP Total enclosed S H How Pln,x ,0„a,p pi- Amount Number: 5178-0523-5126.2197 e 2+r-ulAdisca #90071762379735919 MAIL ID NUMBER Capital One Bank 1 CATHY KRASOVIC 150 5TH ST APT 1B P O box 790216 'If lllnl'I"tlui?l?' o St Louis. MO 63 '79-0216 to NEW CUMBERLN7 FA 17070-954 II"1111'?1111'I'ul'll'II'?I lllt?t IIIIIIIflulll"tI'uftlft' ° ? 'IIII'f111?"IU1111'I'Inut'I'I'llll 1'11'1 situ 1'11111111'1' 7425161 Piave w, tc.vw4a wst nwndrron y w aimk or money q&r madepayablo to Cap, td One B nk and mail in:hc asrl(ral cmKlofr. Accmnt &m=ary Prevmz Balance $275.34 Payments, Credits,-, cl Adjusiments $150.4)0 Trusacm(IS FLmnce Charges 43. A New Bala= 4129.33 Mrnimwn Arnourn Due $15.00 Payment Due Date May 11, 2005 Total Credit Line 55,000 Total Available Credit $4,870.67 Credit Line for Cash $7,000 Available Credit for Cash 5899.69 Atyowservice To call Cuo-Rdatu or to report a toot or swim card 1-800-903-3637 For Lee ordure nawtnt rer a e and apeeal uutoma oZ..' log on t wwrrapnal- Send pgmmt. t; Sail mgavrc t; Arm; Ranerarwe Proeanng C.ptal Oar B.nk Capital Onc Sanwa P.O. Bor 790216 P.O. Bor 85015 SL Laws, MO 63179.0216 %dunondr VA 23285-5015 PLATINUM MASTERCARD ACCOUNT 5178-0523-51262197 MAR 12 - APR 11, 2005 Page 1 of 2 Payments, Cmdits and A djwtments 1 22 MAR PAYMENT RECEIVED- THANK YOU 550.00 2 07APR PAYMENTRECEIVED-TFLANK YOU a).J0 Fmw=Chaagm Ple sffrevaxrideforrmpommtrnvrmattron m B-' - 1#r+oJ.'r (' .?o?rderg111CE m _ APR tiAKGE PURCHASES 5126.99 f .05409%]? 19.74% $113 CASH $100.47 .05956%P 2174% 5186 ANNUAL PERCENTAGE RATE applied this petwd 20.65% PLLASL RLI URN POR I ION BLLON' Nk H li PAN N4LNI 0000000 0 5178052351262197 11 0129330100000015009 7425161 New Balance $129.33 Mmtmum Amount Due $15.00 Payment Duc Dalc May 11, 2005 Total enclosed S ? Account Number. 5178-0523-51262197 Pr arrprvrtmatmaaddara>? r?tda?rer?r,?asmBSGao,tr kart Scar Apc Y Gry Stain ZIP Home Pl- Alienate Pf- #9010276237973594# MAIL ID NUMBER a CA'PHY KRASOVIC Capital One Bank I50 5TH ST P O Box 790216 Illumrllullunlll m APT 1B S- Louts, MO 63179-0216 rv ! NEW CUMBERLND PA =7070-1954 IntIUt..In... Place wrrteyox-acmant nxmkrm ymrchwh or moray order madepayable to Cnpstar One Bank and mail in the m dmcd mzvkjk: r N00000029226543-AO49-2010041710050611-stNt.txt 1PMCP16701/061205/03:43 CYCLE # 11 BANKCARD STATEMENT INFORMATION 06/11/05 PAGE 5836 517805235-1262197 REFERENCE NUMBER MERCHANT DESCRIPTION TRANS POST MAIL/ SIC TMP FLR LCS MEN AMOUNT DATE PHONE CODE POST CRB ID PREY-BAL CASH-ADV PURCHASES LIFE FIN-CHG CREDITS PAYMTS NEW-BAL MIN-PAYMT CATHY KRASOVIC 150 5TH ST .00 .00 .00 .00 .00 .00 .00 .00 .00 APT 18 NEW CVMBERLND PA 17070-1954 ----------------------------------------------- ------- --- DEBIT ACT DATES --- CASH PURCHASE SPL TRNSFR BILL UNPAID BAL .00 .00 .00 FIN CHG 0511812005 CREDIT LIMIT 5,000 BILL UNPAID FIN CHG .00 .00 .00 MEN FEE 08/22/2003 AVAILABLE CREDIT 51000.00 PREVIOUS BAL .00 .00 .00 OL 08/22/2003 OVERALL APR 0.00 AVG SAL .00 .00 .00 PAST DUE 11/11/2004 CASH LIMIT 1,000 FIN CHG .00 .00 .00 RET CHECK 08/22/2003 CASH AVAILABLE 1,000.00 NEW BAL .00 .00 .00 TOTAL PAYMENTS, CREDITS. ADJUSTMENTS .00 TOTAL TRANSACTIONS 00 SPL XFER LIMIT SPL XFER AVAIL 00 BILLED UNPAID ANTS: PASTDUE .00 OVERLIMIT .00 RETURN CHK .00 MEMBER .00 CA FRONT END .00 MISC .00 CLIENT 01 COMPANY 0001 BALANCE APR FC BALANCE APR FC ---- MISCELLANEOUS ---- ASSOCIATE 119 BAL MTHD 2 .00 21.74 .00 _00 14.90 .00 AFFINITY 002 DUE DATE 07/11/05 PRODUCT 25 STMT CLOSE DT 06/11/05 SUB-PRODUCT 023 PAST DUE NOTICE 0 STATE-TERMS 44 CYCLE DAYS 31 DISPUTE UNPAID PURCHASE BEG SAL: 0.00 DISPUTE UNPAID SPL TRNSFR BEG BAL: 0.00 DISPUTE UNPAID PURCHASE END BAL: 0.00 DISPUTE UNPAID SPL TRNSFR END BAL: 0.00 Page 1 7425161 PI,ATINUM MASTERCARD ACCOUNT APR 12 - MAY 11, 2005 5178-0523-5126-2197 Page 1 of 2 Account Summaty PaYn9ents, Credits and Adjmtnxnts Previous Balance ;129.33 1 09 MAY PAYMENT RECEIVED - THANK YOU $129.33- Payments. Credits and Adjustments $129.333 Transacuu s S.JO F'mance Charges 5. ?) Nl w Balancc $0.00 Mmi,num Ainowtt Lh,e $.00 Payment Due Date June 11, 2005 Total Credit Lime $5,000 Total Available Credit $5,000.00 Crodnt Line for Cash $1,000 Available Credit for Cash $1,000.00 Atyatrservice T. -R Curromer Rdaaoos-ro q-1. loot or,tA. card 1-800-903-3637 For frx onLne aaaunt aivm and speaal automa offal, bg on ro: ww,v.op,relr,c.mm Send Payments to: Se i mgmna lo: Aare Remntance Pronswng Capital OM Bank CaPtal OM Savrns P.O. Bor 790216 P.O. Box 95015 St Laua, MO 63179-0216 Rxhnwnd, VA 23285-5015 Finance Charges Ple san msukj6rimportanttn?/6fmatim Balmree ? P-J. --,AnOfYEE *dm If, OR m PURCHASES S.00 .05408%P 19.74% S.00 e CASH S100 a956%P 21.7446 S.00 ANNUAL PERCENTAGE RATE applied this period 0.0096 PLLASL RLl URN PORT ION BLLOW N'11 I I PA1 MLN 1 0000000 0 5178052351262197 11 0000000129330000007 New Balarre $0.00 Minimum Amount Due $.00 Payment Dw Datc Junc 11, 2005 Total enclosed $ Accouot Number. 5178-0523_5126-2197 Pt-pe,nt-d dad- .,d- xd e,k1 esue.Tw-6oL 9- Apc k Gry Sna 2[P Home Pt- Ala PLone EmclAd?.- #9013276237973591# MAIL ID NUMBEP CATHY KP.ASOVLC f Capital One Bank 150 5TH ST P 0 Box 790216 APT '_B SL Loa LS, MO 63179-0216 NEW CUMBERLND PA 17070 1954 7425161 Pkntew teymrroui wnwnbrron_rwc&xk or moery order mndefayabk to C?6ital OmB-k and mail in the rndrvedrncrJopu Account Previous Balance 3.00 Pavmenm Credits and Adjustments 3.00 T,a„sacuo,, a; ss3 Fc?anc? C: arges ?=t) Ncw Balance $7553 Mnuimml Amount Doe $15.00 Payment Due Date August 11, 2005 't'otal Credo Line $5,000 Torn Available Credit $4,924.47 Credo Line for Cash $1,000 AvailaNe Credit for Cash $1,000.00 At ymrservice T. o& C-t- Rd u- or w spun a lost or stolen -k 1-800-903-3637 For free osnLne oeeount semce and spend costumer offer, log on to www.captalunecom Sad psrynrnb to: Send aupunes t« Atvc Reramwe Proommg Capbl Om Bank C.Pow One P.O. Box 790216 P.O. Box 30285 St. Lang MO 63179-0216 SLC, Ur 84130-020 PLATINUM NIASTERCARD ACCOUNT 517&-0523-5]26-2197 JUN 12 -,JUL 11, 2005 Page 1 of 2 Payments, Credits and Adjustments Transactions 1 20 JUN GiAMTf(OD STORES #SI A NEW CUMBERLAN PA $38.55 2 241UN RED`L -NERRYN CELORDSW-4771-70301N 36•98 "Notice of Change In Account Terms" If your account is five or more days put due within six billing periods after being two or more days past due, or if we do not receive your mtnunurn montfdyp mwit for two consecutive billing periods, all rates may increase to the Default APR p-lonsly dnsdosed to you. All other terns and coadnhom on your account remain in effect FllrulceCharges Hk mm mredderrnVortaWtn6*Watsm g Batas r llel al7,adr rar+ WEE mo .yepl duo PURCHASES too .0408296 14.9091, 3.00 CASH 3.00 .06025%P 2199% 3.00 PLLASL RL I URN POR I ION BLLOR' \N'I I H PAN NILN 1 0000000 0 5178052351262197 11 0075530129330015006 7425161 New Balance $7SS3 Mmimum Amount Due $15.00 Payment Duc Date August 11, 2005 Total enclosed L AcommNumber. 5178-0523-51262197 AA1iUAL PERCENTAGE RATE applied this period 0.00% nra:<prmtma?imd? ? ?,,,?r?rdu?? r?,aBC? ?.aia<,la? Apc k Cry 5n: ZIP Hom<Plene Plucnane Firers _ $9019376237973593# MAIL ID NUMBER CATHY KRASOVIC Capiz:al One Bank 150 5TH ST P O Box 790216 APT 13 Sc Louis, MO 63179-0216 NEE C'JMBERLND PA 17070 '954 'lull IIII?11/1'I'l11'Ii111'lllll 1'1'11 I'11II11111'?1"11'll'1' ° IIII?"IIII'?II I'111'I?111111'1?1'll/?l'llll l'1/1I III/IIIf II' r pl-e r teym - mmt rrwm6rr- Vy dmh o'rron y order -nerd' f,ya le to QjW-l On, Bank and mail i- thecnrlarcderrrJo?r. PLATINUM MASTERCARD ACCOUNT JUL 12 - AUG 11, 2005 5178-0523-5126-2197 Page 1 of 3 Amount Summary Payments, Credits and Adjustments Presfats Balance $75.53 1 13 JUL RED I. ANEBRYN RETURN CREDIT $25.49- Paytnents, Credits and Adjustments 140.49 2 26J UL PAYMENT RECEt VE D - "I-RikN K YOU 5!. Transactions 1.00 F'_narue Charges $.54 Na Balance $35.58 Mmimmn Ainount Due $15.00 Payment Due Date September 10, 2005 Total Credit Line $5,000 Total Available Credit 14,964.42 Credit Line for Cash 11,000 Available Credit for Cash $1,000.00 AtymmserAce To uB Cua-Rdxt o or to report a last or smler urd: 1-800-903-3637 For fra onln. account ew m and spetml autaner offan, bg onto: www.c-.ptsloncmm Send Payments to: Send .1- to: Attn: Rnonranoe Pcocssmg Caput One Bank Capm10. P.O. B. 790216 P.O. B. 30285 SL Laos, MO 63179-0216 SLC, Vf $4130-0285 F-uwxc Charges Pleaurarevuxri&jor:mfortorvt rn6rmation E.1 n.de Prr.sdr Ca,r g n AP2 .ppl clue 1.0 R PURCHASES $42.91 .04082% 14.90% $S4 CASH $.00 .W2546P 2L99% $.00 ANNUAL PERCENTAGE RATE applied this period 14.90% PLL1SL RLI1i RN POR I10N BLLO%V M'1111 PA) N4LN I 0000000 0 5178052351262197 11 0035580015000015006 New Balance $35.58 Mmimum Amount Due $15.00 Payment Duc Date September 10, 2005 Total enclosed $ ? I Account Numlier: 5178-0523-5126-2197 Pl,-, mtmm! g.d6m mJore-,.,m/rl. uhr -,e W -N lea,. Sax; Apt x Cay Sam ZIP Home Plane Al-Pt- a FinailAdd- #=9022476237973596# MAIL IJ NUMBER CATHY KRASOVIC Capital One Hank 150 5TH ST P O Box 790216 APT 1B SL Louis, MO 63179-0216 ate NEW CUMBEP.LND FA. 7070--_954 LIIt4o11tttJllttnl6LdltttttLlodLlLotdLIL4Lt61 ItnJILoIIItttlrat116utaallL6n61uluIII1 1111111 1 7425161 Placew t e y l acrosartnumber my} c h m i o r m o n e y o l d e r m o d e p e " b l , c.CopstalOr.B nkandmailin:1u.mJsedenvelope Account Summary Previwu Balance $35.58 Plvments, Credits Grid Adim ments $35.58 rraisu-tior>s $42522 F'nance(':harges $.50 NCw Balancc $425.72 NI-imum A,twtuu D- $15.00 Payraem Due Daze October 11, 2005 't'otal Credit Lute $5,000 Total Avjable Credit $4,57418 Credit Line for Cash $1,000 Aim&Ue Credit for Cash $1,000.00 At yrAw service To mll Cmtnnta Rda - or to report a last -LA. mid: 1-800-903-3637 F. Lee ordure anwat nee ue and cp-1 astoma oHas, In oa to: www.mpra4r,com Sind payments to: Sad q.- to: Ann: R-Ail c Procrmng Capdd One Bank Capdal One P.O. B. 790216 P.O. Box 30285 SL Lams, MO 63179-0216 SLC, UT 84LAD-0285 b mortant Account Intormdtion Twelve ut>sung heroes of college athletics are mmmppeennnng for the honor of Capital One National Mascot of the Year - and you can help decide who wul Fach week, the mascots go head-Lo-licad in competition, but only one will win the corned title and $10,000 for their school. Go to tapnalone.com where you can vote daily Z= vorite masmt - and don't forget to tune into One Bowl a on ABC on Monday, January 2, 2006, to see who wins! PLATINUM MASTFRCARD ACCOUNT 5178-0523-5126,-2197 AUG 12 - SFP 11, 200S Page 1 of 2 Payaaents, Credits and Adjustments 1 30 AUG PAYMENT RECEIVED - 111A.NK YOU $35.58- Trarmctions 17AUG KUMPF"S AUTOR58820028LNEWCUb1BERLANPA ST622 3 11 SEP CAPITAL ONE MEMBER FEE 49.00 4 11 SEP MINIMUM - 1NANCE CHARGE .24 Fularlee Charges PlraurerrernJeri&y6r::?n fortwrt?tn??6r?mjation ppurdm rk PURCHA.SFS 520.84 .040829E 14.90% $.M CASH SAD ."25%P 21.94% Lao AN_VCTAL PERCENTAGE RATE applied this period PLLASL RL 1 URN PORI ION BL LOW K'II II PAN KILN i 0000000 0 5178052351262197 11 0425720035580015003 7425161 New Balance $425.72 Minimum Amount Due $15.00 Pavrneat Due Date October 11, 2005 'Coral enclosed $ r-? Account Number. 5178-0523-512(x2197 Cant-al One Bank P O Sox 790216 1111 m.1.1111111 [nil St Lois, MO 63179-0216 111IBill irngill nr11r1n11111131.6t1111111111111111111r.61 P;.mc wnteyowauorort n..J-m yom Proe,6,w do"-? -..Id Wider turn,, n. blink vei 28.25% 9- ,1pt & Gty S_ ZIP Home Ploar Altanak Plmr #90254762379735938 MAIL ID NUMBER CATHY KRASOVIC 415B RENO ST NEW CUMBERLAND PA 17070-1877 o dAvA or marry order am kpay ak,b Capital OwBw k and main in Lk-cndmaorveJopr F Account Previous Balance 5425.7"2 Paymems, C,edits and Adjustments $50 .00 I"ratua-Lois S.00 Finance O'.=ges 94.'iR Ncw Balance 3380.70 Mwm- A-it Dm 615.00 Payment Due Date November 11, 2005 't'otal Credit Line $5,000 Total Available Credit $4,619.30 Credit Erne for Cash $1,000 Available Credit for Cash $1,000.00 At ywtr servim To®llGet naRdamnsorwrcpxtaLostorstA. -i 1-800-903-3637 For free ord.ne -n suwm and ep-d aet-er offal, kg on co: w. e...<aP.tA-r....n Send paymenb to: Sawa mgwta to: Attn: Ranaanoe P--g Cape l Orw: 3-k Capnl One P.O. Box 790216 P.O. Box 30M St Laos, MO 63179-0216 SLC, LIT 84130-0285 Important Account Information Twelve umungg her<ws of cdlege athletics are cn ng for the honor of &;'W One National Mascot of the Year -and you mn help decide who wars! Each week, the mascots gD head-1.o-lxad in competition, bul only one will win die coveted tide and $10,000 for then school. Go to capttalone.com where you can vote dady for yo favonte mascot - and don't forget to tune in to the One Bowl on ABC on Monday, January 2, 2006, to see ho wins! PLLASL RL 112RN PORTION BL LOIN' WI I II PAN NILNI 0000000 0 5178052351262197 11 0380700050000015007 7425'161 New Balance $380.70 Minimum Amount Due $15.00 Payment Due Date November 11, 2005 Total enclosed S Account Number. 5178-0523-51262197 PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 SEP 12 - O(°h 1 t, 2W5 Page 1 of 3 Payments, Credits and Adjttstments 1 29 SEP PAYMENT RECEIVED -THANK YOU $50.00- We yprec> y, r bowie and you deserve {drat benefits. We'd like you to kao% tbat vwu Platinum eard benefits line been updated. For details, visit www. hpitalone.com/acd itcards ind duk on the Guide to Benefits tink- "[hams: l- iho-mg Capital One. FirnmCharges Pk4w Iff rrrrrm t&firrmfoff"tnfornwtm i Bdrad P.-& - MC gep6dm rmr E PURCHASES $40652 .0108216 1490% $4.98 CASH 3.00 .06230%P 2274% 5.00 ANNUAL PERCENTAGE RATE applied this period Pll-,rw-d ,r-"-- a- ---I mdr,ki -,,W nr6/mh ink 14.90% 9 Apt I city Sts 21P Hume PI- Altanee P1- EmulAddrea #9028576237973597#1 MAIL ID NUM13ER Capi?aI One Bank CATFY KRASOVIC O 3o:c 790216 415E RENO ST S: Louts, MO 63179-02:6 ?a NEW CUMBERLAND PA 17070-1877 Plaur writcynwracrosatt rswnlrron yowclacF or monry ordrr nad payable to Cafital OrrrBmrk and mail in thccarloradrrnxhfr. r Account Previous Balance $380.70 Payments, Credits and Adjustments $200.00 T:ansactiois $.00 Finance Charges $3.04 New 3alantc $183.74 Mutimw i,4j-wit lUie $15.00 Payment Due Date December 10, 2005 Total Credit Line $5,000 Total Available Credit $4,816.26 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 Atyriurservice T. aA Cult- Relrtuns of to retort a tort or strilm aid: 1-800-903-3637 For fine online Dement awioe and speaol wstanar offao, kg on t« -F-k-. Send Popnmta lo: Sa.i,ngm i t« Ara: Ramer c PY.-g C.Pad One Bonk Capral One P.O. Box 796216 P.O. B. 30285 Se I-.-, MO 63179-6216 SLC, UT 8413"285 m m PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 OCT 12 - NOV 17, 2005 Page 1 of 3 Payments, Credits and Adjustments 1 21 OCT PAYMENT RECEIVED - THANK YOU $200.00- _1s of I I11'u'05, your caueie No Hassle Rewards 1,alaroe s 0. Please now that rewards earnings may tike ,rp to 10 da n to post co r.ur account following a qualified purdtisc When you're ready to redeem you Points, svuply;ro online to wow.raNitalone.conJponttsrrwards To redeem rewar& or for information regarding, your Capital One No Hassle Rewards prog-ii, please call our toll-free number, l-800-22&3001. Remember that eligible purchases made on this Capital One account earn valuable rewards! For questions about your credit card statrment, call the Customer Relations phone number on this statement We appreuiau your btutness and you deserve great benefits We'd like you to know that your Ratimrm card benefits have been updated. For details, visit www.capitalomcom/creditcards and dick on the Guide to Benefits link Thanls for cloostng Capital One. Finance Charges Pluitermrearrmridef6r tswpOrranr t.formaham bd Pen l% WELD PURCHASES 3210.49 .04082% 14.90% 53.04 CASH S.00 .06230%P 2174% 3.00 ANNUAL PERCENTAGE RATE applied this period PLLASL RLI URN PORI JON BLL014' N4'I I 11 PAN MLNI 0000000 0 5178052351262197 11 0183740200000015001 7425161 New Balance $183.74 Minimum Amount Due $15.00 Payment Duc Date Dcccmba 10, 2005 Total enclosed $ Account Number. 517&0523-5126-2197 Capital One Bank P O nose 790216 1111 ur??u?u?t lnlI Sc Lours, MO 63'79-0216 Place :? teyo aaowtt mma"on yon Pfrausp.mt„w,! gadbm and e-mmlJaugu br/ r dNworbia-h n.L 14.9096 Sox Ape M Gry Sum 21P H.-Pl- Plwm?e Anise EmutAddrea #9031676237973590# MAIL IC NUMBER CATHY KRASOVIC 415B REND ST NEW CUMBERLAND PA 17010-1877 S_ ° Irrtlllrrdl6ulrrrllI gill sill 6r1tloll hn6rrllt6lnllu ,hack or m-o ordn mad,"Wk-to Capital One Bank .d retail m Six -dad,-1,25c r Account Previous Balance $183.74 Payments, Casts and Adjustments $183.74 rransa4.tiurs 366.74 Fiend 1'i?ar^cs S.; 6 Ncw Balancc $67.50 blrnmmm A,-it D- D D P 315.1)0 2006 Januar 11 ate ayment ue y , 't'otal Credit Line $5,000 Total Available Credit $4,932.50 Credit Lire for Cash $1,000 Available Credit for Cash $1,000.00 Atyottrseldce T. dl C-t- Relat- or to r pon a lost or AAm -d: 1-800-903-3637 For fife oaLnf ecaowet aw cc oad epeool estate off--, In on to: wuw.,ap,tak.,c..,m Sendpaymmtsuo: Send inq. sto: Attn: Rmub Pmce:wng Cepml One Sank Captd One P.O. Box 790216 P.O. B. 30285 SL laws, MO 453179-0216 SLC, OF M130-0285 Important Account Information It's CaapPital Ore Bowl week time agatd Tun to to ESPN and ESPN2 sating on December 20 for the best in post-ason college football wtmtt to see your favorite teams fight for bowl cbampiotslups And on January 2 at 1 Pm (ET), be are to nine in to ABC to watclt the Capital One Buwl Irve from Orlando, Fionda! FitranceChe[ges formaton Plramrerre msidefirrmpvrtantm Balonn ? Rrodr ?d^C ? m goplvdto tiAlt Tarr m PURCHASES 96Lg6 .040829 14. 4 S.76 CASH f.00 % 7 .0(230%P 2274% t.00 ANNUAL PERCENTAGE RATE applied this period 149096 PLLASL RL1 URN PORI ION BLLO\k' \k1111 PA\ MLN 1 0000000 0 5178052351262197 11 0067500183740015002 7425161 New Balance $6750 Mnimum Amount Due $15.00 Payment Duc Datc January it, 2006 Total enclosed 5 --? Amount Nu mlow.. 5175-0523-51262197 PLATINUM MASTERCARD ACCOUNT 5178-0523-51262197 NOV 12 - DEC 11, 2005 Page 1 of 3 Payments, Credits and Adjustments I 22NOV PAYMENT RECEIVED-THANK YOU $183.74- Transactions 2 07DEC CIRCU1TC11YSSx3720,%IECILkNICSBURG PA $29.66 3 08 DEC FYE CAPITAL. CITY 1538 CAMP HILL PA 2t.19 4 08 DEC SEARS ROEBUCK 2624 CAMP HILL PA 15.89 As of 12/11105, your current No Hassle Rewards balance is 0. Please, note that rewards earnings may take up to 10 days to post to your account following a qualified purchase. When you re ready to redeem your Ports, amply go online to www.caprtalone.wun/pontsrewads. As a valued Capital One Customer, you are ciipbk to receive a free Yea-End Summary for this specific account that recaps your 2005 charges, provided }our account is in good standing and you have node transactions during the calendar year. Please call 1-877-794-4467 before January 31, 2006, to reserve your copy for this account. Orden will be mailed our by the cod of February 2006. We apprxste your business and you deserve great benefits. Wed like you to know that your Platinum cud benefits hale been updated. For details, visit www.cTna[on&com/credvrcards and click on the Guide to Benefits lm&'lhanks for choosing Capital One. »a"p ne ar gdw? ofd rr?t 8 err -Zit -Hr hv?L sax Ape x Cry Sox LIP Home Plnne Alt PI- E..IAddrea #9034576237973599# MAIL ID NUMBER CATHY KRASOVIC Capt_al One Bank P C So,, 790216 IIIINall Mile II In m 41`SB RENO ST Sc Lo;:ts, MO 63179-0216 m NEW CUMBERLAND PA '-7070-1877 S IIII1111IIIIIIIIIIIIIIIIIIII11111'/I//IIIIIIIIIIIIIIII/VIII/' ? ? '/IIIIIIIIIIItIIIIIIIII1111IIIIIIIIIIIIIIIIIIIIt1IIlI/IIIIIII' Pon e w teymrrarmtmt nll nkr on yo cl x,[ or mmy order madepayabk to Gspital Par Bank and mail in the. cAared em+ekpe. r Account Previous BaLmce $67.50 Payments, Credits and :adjustments $67.50 Tr3tuas.-aors s_ro F"irance CI-?r, s 5.?>n New Balance $0.00 ML,d.num Atnowtt Ute $.00 Payment Doe Date February it, 2006 't'otal Credit Lice $5,000 Tonal Available Credit $5,000.00 Credit Irate for Cash $1,000 Available Credit for Cash $1,000.00 A t your service To mIl Cwtumrr R.1v- or to vport a lost or stolen .&- 1-800-903-3637 For fix onbne ocmurtt sucice and p. .d -A-. offers, log on to: waw.cep?lonumn Send payments to: Sul utqunn t : Arm: Rena <P.onewng Captal One Bank Caput One: P.O. Boa 790216 P.O. Bon 30M SL Laws, MO 631794216 SLC, Ur 84130-0285 PLATINUM MASTERCARD ACCOUNT 5178-0523-51262197 DEC 12, 2005 -JAN 11, 2006 Page 1 of 2 Payments, Credits and Adjtntatents 1 23 DEC PAYMENT RECEIVED - THANK YOU $67.50- As of 01'11'06, yoga cu va No Ha=le Rr ,trds Whnce a 67. Pleas,; note dut: rewards arnings may take up to 10 days to post to a ur account follow ng a qualified pumb sse. When wwie ready to redeem your po nr=. amply go online to www.upitaione.-Vpomtsrewar Ls This arrowies Notrlntroductory Rates as of 12/20/05 are: purchase A.P.R. = 14.9096, ash ad=" A.P.R. = 22.74%V and Tedat rnnsfa A.P.R. =1.9996. If the A.P.R. is followed by "V," then your conxTondtng A.P.R. is a variable rate. F-mul eChatges PImm see rewit, sidefOrsitpennantmformationn Ba?sa ra < Rmad ?e WEE n ?irJb rde 7 PURCHASES $.00 .09082% 14.90$ $100 CASH x00 .06U796P 2314% $.00 ANNUAL PERCENTAGE RATE applied this period 0.00% PLL\SL RLI URN POR I ION BLLOW 14'1111 PAN NiLN I 0000000 0 5178052351262197 11 0000000067500000009 7425161 New Balattrt $0.00 Mt mnum Amount Due $.00 Payment Due Date Febntary 11, 2006 Total enclosed $ ? AccouatNumber. 5178-0523-5126-2197 P1-p..ntmad dadk--J -I d-grbdausamgb nrbt?A k Apt A Gry Snm ZIP Home Plnx Altaaue Arose #9001270`237973595# MAIL IC raNBE.R Captcal One Bank CA'rHY KRASOVIC P C Box 790216 Him1111tnt[fill 1t1) ? S 415B RENO ST S: Louis, MO 63'79-02'6 NEW CUMBERLAND PA '_7070-'_877 ' 't"tIloilo n Ill Billie I Billie u1t1m11111 nu111111u1u111 ° ?utl??nJ??ut?u%illt 11111111 111111111113 t' Bit ll girl t t 11161 Piave v tcyw aaount nWnb_mr y r dmk or more y or&T makjpw lc to Capa i OneBmekand mail irs the aulardem ekfie. F Account Stmunary Previous Balance fA0 Payments, Credits and Adjustments tub Tramactions $334,03 Finance Charges E.00 New Balance $334.03 Minimum Atnoumnt Doe $15.00 Paymenn Due Date March 11, 2006 't'otal Crek Line $5,000 Total Avmlable Credit $4,665.97 Credit Line for Cash $11000 A%ailable Credit for Cash $1,000.00 Atyourservia I. off C.nmma Rdat- or to npa1 a lost or stolen and 1-800-903-3637 Fm im mtlu.e "mint oavme and spend outoma oSas, kg on tar. Send payma.b to: Saal.nge.na to: Aim: Rannbnac P.ocmmg Capital One Bank Capml One P.O. Box 79D216 P.O. Box 30285 51 Lawn, MO 63179-0216 SLC, UT 84130-020S PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 JAN 12 - FEB 11, 2006 Page 1 of 3 Payments, Credits and Adjlatments Transat-tiotu 19 f.\N KUNI PF'S AUTO R-5&82o,i s NEW CUhiBFRI.AN PA E29R.37 2 il) TA GIANT e00D STORES *St? NEW CUMBERL,LN PA 35.72 As of 17211 L'06, your current No Hassle Rewards balance is M)1. Please note that rewards errtings nay take up to 10 days Lo post to your account following a q"i ied pumcluse_ When you re ready to redeem your points, imply go online to www.capiWone.com/pouttsrewad& As a valued Capital One customer, you are eligible to receive a free Year-End Summary for this specific account that recaps your 2005 dlazges, provided your account is in good sanding and you have made trausactiorss during the calendar year. Please call 1-877-794-4487 before March 31, 2006, to receveyour copy for this account Orders will be mailed out by the end of April 2006. F-mmtee Charges Pleas ref rf i,idefir important inn formatron BdL-i, Pe-Jr C0" 'g V ? E n geplydm r safe t1AH PURCHASES 5.00 r- .0408296 14.90% 5.00 CASH 5.00 .0636796P 23-24% S.OD ANNUAL PERCENTAGE RATE applied this period 0.00% PL L:ISL R L I URN PORI ION BLLOIV \N'II H PA) NI L N I 0000000 0 5178052351262197 11 0334030067500015006 7425161 New Balance $334.03 Minimum Amount Due $15.00 Payment Due Datc March 11, 2006 - Total enclosed S 1 Accamt Number. 5178-0523-5126-2197 5- Apr 8 uty S- ZIP Hoax Plme Pienw.e Are #90043752379735904 MAIL ID NUMBER Capital One Bank CATHY KRZOVIC P O Box 790216 I11u111111n1I11111I 4'5B RENO ST Sl_ Louis, MO 63'79-0216 NEW CUMBERLAND PA 17070-_877 10111811111111111111111' gill fill 1'111111111 111111 IIIIIII I so III ?S I...III...I1111111111111 loll 1111 so III 1111 IN 11111111111111 I IfA Phis wntf yarerae-o t number an voev rfrw, or rnmey order ma a payabk to Catrta7 One Bank and mail in the enrlared errrrdate. PI-Pnntm r,/ gadverrmuara-mmlJm?s6-! -Zen i-wMwf-k. r Account Summary Previous Balance $334.03 Payments, Credits and Adjustments 5100.00 Truisa eons $.00 Ftnawt Charges $335 New Helena $237.38 Minimum Amount Due 515.00 Payment Due Daze April 11, 2006 Total Credit Line $5,000 Total Available Credit $4,762.62 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 Atyourservice To mU Cuff- Adams or to rcpat a Lost or stAm oek 1-800-903-3637 For free onLne oawrat>ervree and apeonl outomar offeq log oa toe www.®ptak- Smd psymmts to: Send mq- toe Atm: R- Pro«vng Capml One Bank Capw One P.O. B. 790216 P.O. Box 3029S St Laws, MO 63179-0216 SLC, UT 84130-0785 Important Account Infomation Please review the enclosed privacy information and retain it with your aceountrecords. Also visit www.rapitdone.com/aedrnards and dkk on die Visit tht Guide Lo Betxfilslink Lo learn above your Latest Via or MasterCard. aw-ount benefits The desmphoru to thus online guide replace any utimnauon you rmermd m the past For a Printed copy of the Guide to Benefits, call the Customer Relations number on the back of your card. N PLLASL RLI Li RN POR IION BLLOR' VII II PAN hi LN1 0000000 0 5178052351262197 11 0237380100000015003 7425161 New Balurr $23738 Minimum Amount Due $15.00 Payment Due Date April 11, 2006 Total enclosed $ 1 Account Number. 5178-0523-51262197 PLATINUM MASTERCARD ACCOUNT 5178-0523-51262197 Payments, Credits and Adjustments FEB 12 - MAR 11, 2006 Page 1 of 2 1 28 FEB PAYMENT RECEIVED - THANK YOU f1010.00- As of 03!11/06, your csrent No Haasle Rewards Isdw-. 414. Please iiow duu rewards earnings may take tip to W days to post to yrotn account following a qualified purch se. When you're ready to redeem voer p taLs, amply g -niline to ww-Vnalone.couvpourisrewards Finance Charges Pkoraree rocrrreridefar=mpmtant rnformahm Ba! nrarr P?,odr Cwreq]?If?VCE gspr duo rarr APR tiAKGE PURCHASES SP2,92 .4m-% 14.9W 5335 CASH 5.00 .06361%P 212446 5.00 ANNUAL PERCENTAGE RATE applied this period Pty p at ?r gam a .dd-f,,t I a a8t? a.acute.k 14.90% Sven Apc# Qry Svx ZLP HomePlnne Ala R- #900717621'797359'# MAIL 10 NUMEER Capital One Bank CATHY KRASOVIC P O Box 790216 4158 RENO ST N S r, Louis, MO 63179-02-26 NEW CUMBERLAND ?A =:070--877 16 ? dudlltnloll II I III 11111111 loll 11 fill 1111111 Planau tcyaarAmwd nrmberonymrrdwksir mmyordn mad•payabk to Cafitnl One Bank and mod, r; r Account Summary Prwiow Balance $237.38 Payments, Credits and Adjustments $82.25 I':.uisaaions 114024 Finance Changes $4.03 New Balanec $299.40 Nt.iin- Anwwit Due $15.00 Payment Due Date May 11, 2006 't'otal Credit Line $5,000 Total Available Credit $4,700.60 Credit Line for Cash $1,000 Mailable Credit for Cash $1,000.00 At yourservice To ma Cusmma Rdstwm or w rq-t a lost or stolen mid 1-800-903-3637 PLATINUM IwIASTERCARD ACCOi1NT 5178-0523-5126-2197 MAR 12 - APR 11, 2006 Page 1 of 3 Payments, Credits and Adjustments 1 04 APR KMART 00042754 CREDIT $225- 2 07 APR PAYMENT REC U VED - "L'HAN K YOU y.a Transactions 3 16 MAR RADIO SHACK 0 0120105 CAMP HILL PA $5827 4 27 MAR KNLSRT00042754 MECIIANICSBURG PA 8t.97 As of 04/11/06, your anent No Hassle Rewards balance is 539. Please rate that rewards information reported here may not reflect all purchases on this statement or recent redemptions Simply go online to www.caµmalonre.com/pomterewards when you are ready to redeem Great news! As long as yottr No Hassle Rewards accoutn is open, your rewards wM not expire due to the passage of time. And there's no limit to the amount of rewards you can earn. So use yow No Hassle Rewards card whenever you shop, and hatch your rewards grow! For froe onLne acaounr suvioe ood'P?? wstomer offer, log on to: wuw.at.raLnemm Send Psymmta to: Semi u q.- to: Attn: Ranamiwe Piom:,vg Caporal One Bank Caput One P.O. Bur 790216 P.O. Box 30285 Sc Lows, MO 63179-0216 SLC, UT 84130-0285 Finance Charges Plearererr mstdefrimportmtinfrmahm Bdm er+arr Anal -A--a ` ( FIARGE PURCHASES 5318.80 .04092% 10076 K03 CASH $.00 .06436%P 23.49% 100 ANNUAL PERCENTAGE RATE applied this period 14.9096 PLLASL RL I URN POR I ION BLLOAb' VA91 H P.A\ h1LN1 0000000 0 5178052351262197 11 0299400080000015008 7425161 New Balance $299.40 Minimum An a nt Diu $15.00 Payment Duc Datc May 11, 2006 Total enclosed S Account Number. 5178-05235126-2197 Capital One Bank P C Box 790216 1111811111111111111111 St Louts, MO 63179-0216 Piraupmr»wtm6adb ,? i-,nmtJ.mi;u ht „nau ,nGicit mf. Seer. Ape N Qty Smp ZIP Home Plme Ala Phone EaailAddna #9010276237973594# MAIL ID NUM13ER CATHY KRASOVIC 415B RONO ST m NEW CUMBERLAND PA :7070-1877 III 111.ar111na118t111nn18111181t1rra11tto live IlnlrlrsllIs place writevm A=wttnsmberoayacchAvk or V%Mry olds madrpryabk to C,,pd fOneBon,6 and mailin tlx enckuedcrrcrkpr. PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 Aocount Summary Previous Balance $299.40 Ptvmenm Credits and Adjustments $15.00 Ttatu -W- ns $23023 Fitnaee Cixt rs $4.69 New Balance $519.3' :Ntinintum .mount Due $15.00 Payment Due Date June 10, 2006 "Total Credit Liu $5,000 Total Available Credit $4,48163 Cade Line for Cash $1,000 Avilable Credit for Cash $1,000.00 At yottrservice T. ail Cum - Rdauwu or to tgsxt a lost or smlm c-L 1-800-903-3637 Fx free onLne aaount ses ce and -P-4 --t-- offers, log on to: ww...caP.ialme_awn Send P-3--b to: Send tq- ter. Arm Remaurwe Pmnss+ng Capml Om Bank Capstd One P.O. B. 790216 P.O. Box 30285 SL L -s MO 63179-0216 SLC, UT 84130-OM APR 12 - MAY 11, 2006 Page 1 of 3 Payments, Credits and A4ptr lento i 02 MAY PAYMENT RECEIVED - TFL4 NK YOU $15.00- Trmmcdotls 2 27 APR KUMPFS AUTO 8 5 882 0 02 8 NEW CUMBERLAN PA $91.13 3 of MAY GLLNT FOOD STORFS OSJ6 NEW CUMBERI AN PA 18.73 4 03 MAY BOSCOVS 0012 CAMP HILL PA 50.81 5 04 MAY JCPENNEY CATLC 98318170-221-3005 CT 6925 As of o5/11/06, your aaaem No Massie Rewards balance w750. Please note that regards information reported here may not reIlect all puedwes on this statement or recent redemptions. Supply go onl'nte to wwwrrpitalone.com/pomtsrewards when you are ready to redeem Finance Charges Plk smrev m"dcj*trnpa aw,n26nwation Belmar, Rrsade Cw..fM - ?GE m pp6rdtn err v N PURCHASES 536267 .04082% 14.90% $4.69 CASH 5.00 .06436%P 23.49% 5.00 ANNUAL PERCENT ACE RATE applied this period 14.90% PLLASL R L I U R N POR I ]ON BLLOK' R'IlH PAl MLNI 0000000 0 5178052351262197 11 0519370015000015007 J'(eaufrmtmm! 6addra? a-maJJmd br/ wmgb orNaeF ink New Balance $51937 Mmimltm Amount Due $15.00 sn? ape a Payment Duc Datc Jima 10, 2006 ?? H. 5U ZIP Total enclosed $ Home Plane Aliaaate Phone Account Number. 5178-0523-5126-2197 40 #9013276237973591# MAIL ID NUMBER Capt?al.One Bank 1 m CATHY KRASOVIC P C Box 790216 Ill. mIll 1,ilnl Belli 415E RENO ST NEW CUMBERLAND PA 17070-'_877 S? Loins, MO 63179-0216 I I 1682116u111111111911116n1166u11111 111111dI11LJJ `_ ?u1?Ilall???udn1???Inm?U eloll dl@$ I 1111 1111111311111 7425161 Plmres teynrnacoemt naexbvoryowdw or morrsy -do nmdepoy BAL-m C ttd 0-Bmek .d-d, . tJacnxlaredenrxlote. Account Summary Previous Balance $519.37 Payments Credits and Adjustments S75.0o Trursa- U.. S.00 Fi:=wc Charges 55.7 Nc* galsncc $450.14 Min'vn- Ariwirnt Due $15.00 Payment Due Date July 11, 2006 't'otal Credo Line $5,000 Total Available Credit $4,549.86 Credit Lire for Cash $1,000 Available Credit for Cash $1,000.00 Atymtrservtce To all Comma R,"tuas or m repot a lost or AA. and 1-800-903-3637 For free onLna oeowrit sa.tce an3 sPe°"1 automa offem, ]og on ta: Sind payments to: Send aiqunn to Aim: Remrmn.< P.ocemng Capmi 0- Bank Cap w One P.O. B. 790216 P.O. Box 30285 St Lows, MO 65179-0216 SLC, 171 84130-0285 Important Account Information Take control and start ppar?ng ycirr bill ord,m for free. Eliminate the hassle ofwriung checks, finding smnvoe and scaling envelopes Evmydnng you need to arms, review, and pay your bill is available online. Our websle offer you a convenient, simple, and secure way to manage your arcotmt Vint www.capnaloncxom and repsw your aaount to start simpl'iy* you life today! m a PLATINUM MAS I'ERCARD ACCOUNT 5178-0523-5126-2197 MAY 12 -JUN 11, 2006 Page 1 of 3 Pay-nt3, Credits and Adjustm«tts 1 13 MAY JCPENNEY STORE 2712 CREDIT $60.00- 2 26MAY PAYVIENTRE(-'EIVED-'I'HANKYOU iS.fNY As of 0641 V06, )- current No Hack Rewards balance . 769. Please note chat rewards mtormation. reported here may not reflect all purchases on this statement or recent redempaons. Simply go online to wwwx italonexonJpoimsrewards when you are ready to redeem. Finance Charges Pl=esee re verse sidperrtjwjvjfortantxnfo?makom Bat nrek 13rndr -•fPRg ME pfSrdio PURCHASES $455.90 .04082% 14.90% $5.77 CASH 5.00 .06436%P 23.49% 5.00 ANNUAL PERCENTAGE RATE applied this period PLLASL RLI LRN PORTION BLLO\k' \1111 PAN-N1LN1 0000000 0 5178052351262197 11 0450140015000015005 7425161 New Balarce $450.14 Mm"utwm Amount Due $15.00 Pavmcat Due Date Jaly 11, 2006 Total enclosed $ -? Account Number. 5178-0523-5126-2197 vr<a,ep..,?r,?ar gadb Qaa'a?r?r6 sr? ra 8a a.wa<.1a? 14.9096 S_ 9 a,y Home PI- Al- PL- #90:6276237973598# MAIL I7 NUMBER Capital One Bank CATHY KRASOVIC P O Box 790216 415B RENO ST St Lou LS, MO 63179-02'6 NEW CUMBERLAND PA 17070-1877 IIIiIloilo II.IOu116gill 1IIIIIIIte11LIloilo 616dulll 11IIIIIIIIIIIIIIIIIIIUnIII111611JIIJIIn11IJ11611IUIIl Placew ,reymtra vwd nwndermryaw dwi or marry order madepayabk to Cqpttd One Bank andmadin t1mr Jmedefmrdope. Apc A ZIP r PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 Q?Q f6 rNi Account Previous Balance $450.14 Payments Credits and Adjustments W.00 Transactions $36.96 l"maace :Barges JUN 12 - JUL 11, 2006 Page 1 of 2 Payments, Credits and Adjmtments 1 o6 ml, PAYMENT RECEIVED - HANK YOU $40.00- 'l*nusal't10n5 30 JUN RELeLANEBRYN T'L ORD x00-477x030 IN $36.96 Ncw Balance $452.73 Mtmmwn Aumut Due $15.00 As of 07111/06, yuur current No Flavle R-ards balance u 746. Plrrse tAe that rewards Payment Due Daze August 11, 2006 information reported here may not reflect all purchases on this statement or recent redemptions. Snnply go online to www.capiW one.com/pomtsrewards when you are ready to redeem. 't'otal Credit Line $5,000 Total Available Credit $4,54727 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 At your service ®rd To.2 CYew- Rdatbns or to report a lost .*A. 1-800-903-3637 For free onLne -M -..j q-,j to.. offav, In.. to Smd paymmb to: Smd.nq-to Attn: Rmutbn« Procrsm,g Csptai One Bsnk Capbl One P.O. 3.. 7%216 P.O. Bm 30285 Sc Laws, MO 63179-0216 SLC, UT 89130-0285 1®ortant Amount Information Take control and start paying 3"r bill online for free. EWm=e the hassle ofwnbng checks, finding stamps, and sealing envelopes Ewrythmg you need to amess, review, and pay your bill IIs available online. Our website offers you a convement, simple, and secure way to manage yntr account. Visit www.capltalouc Win and register your account to sort simplifying your life today! FinanceChaeges Pleaureerssrr r r defirw ortawmformahm Ad- ,* e ? n P-J. -1 M .1ep6rdte +? E Z PURCHASES $459.62 .09082% 1490% 15.63 CASH 1.00 A6573%P 23.99% 1.00 ANNUAL PERCENTAGE RATE applied this period 14.%.% PLL\SL RL I URN POR I ION BLLOIV N'I 111 PA\ h1LN 1 0000000 0 5178052351262197 11 0452730040000015000 Pf-pnn -4., d.- &.Y rnmtd-g bd ,chi K kwk New Balatre $452.73 Minimum Amount Idle $15.00 Barn ap a Payment Duc Date August 11, 2006 Gry 5m: ZIP Total enclosed $ Home Plame Attemate Ph- Aecotwt Number. 5178-0523-5126-2197 E.2iAdd- @9019376237973593it MAIL ID NUMBER Capital One Bank CAT-iy KPASOVIC P O Box 790216 Illun11t116111n1hi o 415B -RENO ST Sc Louts, MO 63179-0216 °m NEW CUMBERLAND PA 17070-1877 N III III Neill 11tI1I 111II11Belli 111111111111111 Belli 11111111 11111 It11111t/t III., 11111111111612111111111 tt11t 1111111111111111111 7425161 Pkmr writryulcaumvrt nrmrlvranyvurclsr.E err monry order madrpryabk to Gtpiiat Our BanF and mail in the cru.'med emrJope: PLATINUM MASTERCARD ACCOUNT JUL 12 - AUG 11, 2006 5178-0523-5126-2197 Page 1 of 2 Account Summary Previous Balance $152.73 Payments, Credits and Adjustments S194.56 Trait-lions $29417 Pittance Charges 55.7: Ncw Balance $568.17 Mutimam Amount Due D P D S17,00 2006 S tember 11 ue ate ayment ep , Total Credit Line 55,000 Total Available Credit $4,431.83 Credit Line for Cash $1,000 A%milable Credit for Cash $1,000.00 Atynitrservice To a& Cusw- Rrktons or I. repot a lost or stA--d: 1-800-903-3637 For free anLne aerount savaee and aP-d outoma offal, Ing on toe ww.v.opdbnr_eom Send payments tc Send .I- t« Atm: R..mw- Proarrang Captnt One Bute Captal One P.O. Bus 796216 P.O. Buz 30285 SL Laos, MO 63179-0216 SLC, Ur 84130-0285 t Account Infonnation Take control and start payug yowr bell online for fiec. Eliminate the hasde of writing dwdL% finding stake, and sealing envelopes Everyffung you need to access, renew, and pay your bill is available online. Our webmie offers you a convenient, simple, and segue way to manage your account. Vint www.capltalone.eom and reamer your account to start simplifying your life today! m cO Payments, Credits and Adjustments 1 17 JUL 2 20IUL 1 24 TUL. Transactions BOSCOVS #012 CREDIT RELYLANEBRYN RE'IUP-N CREDIT ?AYhIENT' RECEIVED -" H NK YOU $19.08- 15.48- 50.00- 4 17 JUL BOSCOVS #012 CAMP I1ILL PA $12.72 5 19 JUL FYE CAPITAL CITY 1538 CAMP HILL PA 12.71 6 19 JUL HECHI`S #199 CAMP HILL PA 14.00 7 19 JUL SEARS ROEBUCK 2624 CAMP HILL PA 9.99 8 19 JUL SEARS ROEBUCK 2624 CAMP HILL PA 21.98 9 24 JUL ECKERD DRUG #6230 CAMP HILL PA 2328 10 26 JUL BOSCOVS #012 CAMP HILL PA 6.67 11 26 JUL BOSCOVS #012 CAMP HILL Pk 8.98 12 27 JUL BOSCOV'S #012 CAMP HILL PA 29.60 13 02 AUG C j. BANKS #880 CAMP HILL PA 12.99 14 08 AUG FREYSINGER MOTORS NEW CUMBERLAN PA 141.35 As of o&111/06, your current No Hassle Rewards balance is M. Please note that few=& information reported here may not reflect all pwrhasrs on this statement or recent redemption& Simply go online to www.capitalone.cotn/poirmrewards when you are ready to redeem F'tnaneeCharges Pleaurerre madefbruwporturrtinformation err n eaac eo g ?1A,<VV?? P j't i Il l:ti AA 1 5 PURCHASES $45168 .04082% 14.90% $ .73 CASH 3.00 .06573%P 23.%% S.00 ANNUAL PERCENTAGE RATE applied this period 14.9096 PLLASL RL I URN POR I ION BLLOW \X1111 PA1 MLNI 0000000 0 5178052351262197 11 0568170150000017004 7425161 New Balance $56817 Minimum Amount Due $17.00 Pavmcnt Duc Datc September 11, 2006 Total enclosed f Account Number. 5178-0523-5126-2197 S- Ape A C'w Sam ZIP Home Plume Ala A- Finaillddeea #9022476237973596# MAIL ID NUM13ER Capital One Bank CATHY KRASOVIC x 0 IIIuu/I/I1IIInI//II o = 4].55 RENO ST P C Bo79216 h SL Louis, MO 63179-0216 EW CUMBERLAIGJ ?A '_7070-877 1111111111 ItI1IIIIloilo IIIIIIIIIIIIIIIIIIIIIIIIIIIIII111111111 I11111i111111111111111I1111III111111I11111111I/III1111111111/? Place writeyrn =wsw nnmbvoayorndW or marry order madepayabk to Capin! One Bank andmailin the erulaed-lope. R'rmrpnmr mm?mg adbvumed r-,.,a<tr?r..e?r?n, 8? aw?t ar.E r `ap`.a?ne t AoHas-46 REWARDS Account Summary Previous Balance $568.17 Payments Crexiits and Adjm rnents $1,140.57 L-Z '. $651.39 Finarwc t_':ar-' s $2.59 Ncw Balance $71.57 Mutintum Amount Due $15.00 Payment Due Date October 12, 2006 't'otal Credit Line $51000 Total Available Credit $4,928.43 Credit Line for Cash $1,000 Available Credit for Cash 31,000.00 AttourseMce To aX Cur u Rdatn or to report a lost or AiAm aid: 1-800-903-3637 For fix -h.. account semi acrd spend out-. ofas, log on co: www,aptd..r...... Smd P.ymetts to: Send ,q- to. Attn: RnnmarK< Proeasuig C.prW One Bank C.ptal Otie P.O. Bas 70884 P.O. Box 30285 Charbth, NC 28272-0884 SLC, UT 8473P-0285 7425161 Important Account Information Beginning October 1st, 2006, based on your amount activity you may be assessed more than two late, ovedimit, or returned check fer_s that or w di ring any billing pmod. PLATINUM MASTERCARD ACCOUNT 5179-0523-51262197 AUG 12 - SEP 11, 2006 Page 1 of 2 Payments, Credits and Adjwtments 1 12 AUG Cap 1 ElectronicPhonePnet AuthDate 12-AUG $572.40- .. 23 -kUG Cap 1 El-r- ,,icPh.-Pmt Authl?ate 23 .AUG 578.17- Ftarlsacti m 3 12 AUG Rtn ElectronicPhonePmC $57140 4 12 AUG PAY-BY-PHONE FEE 10.00 5 07 SEP FOOTLOCKER #7801 HARRISBURG PA 19.99 6 11 SEP CAPITAL ONE MEMBER FEE 49.00 As of 09/11/06, your arrent No Hassle Rewards balance s 1,013. Please note that rewards information reported here may not reflect all ptrchaxs on this statement or recent redemptions. Simply go online to w xapiraloneexom/p mtsrewards when you are ready to redeem NOTICE: Look for a new statement design for your Capital One credit card beginning netts month. A summary of the key changes will be provided wah your new statement. F-mmceCharges Plc smr .rndeforrmpartant nkrma6m ? lia! n ? }trnd?r CO11fPR ? ??E N yepsam PURCHASES 3203.67 .040s24% 14.90% 5258 CASH 5.00 .065739%P 23.999% s.m ANNUAL PERCENTAGE RATE applied this period 14.90% 7 PLCASC RCTURN PORTION BCLOW WITH PAYMCNT v 0000000 0 5178052351262197 11 0071570578170015002 New &i1ance $7157 Menienum Amount Due $15.00 Pavrrcm Duc Date October 12, 2006 Total enclosed $ Amount Number: 5178-0523-5126-2197 Capital One Bank P.C. Box 70884 111uu11111n1u11111 Charlotte, NC 28272-0884 111111111111111111111111111111111i1111111111111111111111111111 Pfcasrpra,r maJ 6addrara? o-maJd m6ilvlou+n 6Nw.sKx.F ask S.. sax aty Home P1ene Ahanatc Pta. 1 #902557623797359011 MAIL ID NUMBER CATHY KRASOVIC 415E RENO ST n NEW CUMBERLAND PA 17070-1877 o ? ? 111111111111111/11n111111111111111111111I11111111111111111111 Ape r ZIP r PAwcz teyamrawnart nor hl myxr cbmk or mmxy order m kpayabk to C4pital Ow Bank andma7in the. ndowder ektr. f ?;? REWARDS Account Summary Previous Balance $568.17 Payments, Credits and Adjust ments St,150.57 Transactions S651.39 Firnancc Charges $2.58 New Balance $7L57 Mmi n un A-unt Due $15.00 Payment Due Date October 12, 2006 Total Credo Line 551000 Torn Available Credit $4,92&43 Credit Lire for Cash $1,000 Available Credit fcv Cash $1,000.00 Atym rservim Toa ACuA maRdatoonsmtvreportalostorsmlm?a 1-500-903-3637 Poe free oni.. ottnunt canoe and /pearl automa offer' log on to: Send palmmb to: Send q- to. Attn: Rmmtuh« Pmaumg Capbl One Bank Capnal One P.O. B. 70884 P.O. Box 30285 CFharlare, NC 282724884 SLC, lTf 84130-0285 7425161 Important Account Infomwilon Begimmng October 1st, 2006, based on y«v arrnunt activity you may be assessed more than two late, ovalimiy or returned check fees that ocnr diving any billing pmod. PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 AtJC 12 - SEP 11, 2076 Page 1 of 2 Payments, Credits and Adjustments 1 12 AUG Cap 1 ELoeaonicPhomPmt AuthDste 12-AUG 3572:10 X.t7- 2 23 AUG Can 1EechoiucPh.-Plmt AuthDate 13-AU(; Tramactions 3 12 AUG Rtn FletronkPho-Pmt $572.41) 4 12 AUG PAY-BY-PFIONE FEE 10.70 5 07 SEP FOOT LOCKER #7801 IIARRISBURC PA 19.99 6 11 SEP CAPITAL ONE MEMBER FEE 49.00 As of (9/11/06, your ament No Idasle Rewards balance is 1,013. Please note that rewards information reportod here may not reflect all purchases on this statement or recent redemptions. Simply go online to wwwrapitalone comXmtvewards when you are ready to redeem. NOTICE: Look for a new statement design for your Capital One credit card beginning next month. A sn nnmy of the key changes wdl be provided with your new statemem. ntmm.Charges at im Xmeserrevax d fortmfortart t nf 6 >fi Bat n.?e ' P oar G.q ? j f p N C ?H G ? upp ,rdto AR E PURCHASES 320167 .04062% 14.50% 1258 CASH S.00 .06573%P 2199% 3.00 ANNUAL PERCENTAGE RATE applied this period 1490% PLCASE RETURN PORTION BCLOW WITH PAYMENT v 78052351262197 11 0071570578170015002 0000000 0 51 Pfiasep.mfmalmg.rdd m aw e-mmlrlam6 dr! romg b/ .rbiar.F ark New Balance 571.57 Minimum Amount Due $15.00 sa n Ape Payment Doc Datc October 12, 2006 Saz ZIP Total enclosed s ?? H Home Anne Plhawk Ana Accoun Number. 5178-0523-5126-2197 Capital One Bank P.O. Box 70884 Iiluulllllululllll Charlotte, NC 28272-0884 INIIIIIIIIIIIIIIINiglio '/II'111111111111111111111111111llull) #9025576237973590# MAIL ID NUMBER CATEY KRASOVIC 41SE RENO ST N NEW CUMBERLAND PA 17070-1877 o ? IIIIIIIIIIIIIIIIIIIIIII11111/I?IIIIIIIIIIIIIII/IIIIIIIIIIIII/I r PL.arervriteyamarmwrt nanberosyo d5ock or mevyorder madetayabk to Guitar Orre Bank andmullin themx4vderrcrlopc Account Previous Balance $%&17 PaymenTs, Credits and Adjustrrrnis s l,150_57 Tramattwru 5651-39 Finance Charges 52.58 New Balance 371.57 Mmin-, An-a Doe $15.1)0 Payrnectt Due Date October 12, 2006 't'otal Credit Lite, $5,000 Total Available Credit $4,928.43 Credit Lim for Cash $1,000 AvailaNe Credit for Cash $1,000.00 A t your service To cA Cmt- Rdtsoar or to r p-t a lot or tolen -&- 1-800-903-3637 For free onLne -at macros and epmal outman offers, log m to: -,9P, L-- Send Paymmta to: Send mqunes to: Attn: Renutt <P-g Capml 0- Bank Capital One P.O. Box 70994 P.O. Box 30285 f-1-kae, NC 28272-0881 SLC, Ur 8113P-0285 Important Account Info,®ation Beginning October Is, 2006, bused on your account activity you rmybe assessed more than two late, cvalimiy or returned check fees that ocntr diving any billing period. PLATINUM MASTERCARD ACCOUNT 5178-0523-5126-2197 AUG 12 - SEP 11, 2006 Page 1 of 2 Payments Credits and Adjustments 1 12 AUG Cap 1 EleevonicPhonePmt AudiDate 12-AUC $572.40- 2 23 .AUG C.w I Ei cnoiuePhonelhnt Au hDate 23-AUG 578.17- Tramactiuns 3 l2 AUG Rtn FlecuonicPhonePmt $572.40 4 12 AUG PAY-BY-PHONE FEE 10.00 5 07 SEP FOOT LOCKER #7801 HARRISBURG PA 19.99 6 11 SEP CAPITAL ONE MEMBER FEE 49.00 As of 09111/06, Y. cement No Hassle Rewards balance rs 1,013. Please note thatrewards infamatioa reported here may not reflect all purchases on this statement or recent redeurptions. &i n* go online to wwwxapkalone.com/Pointsrmar&s when you are ready to redeem. NOTICE: Look for a new statement design for your Capital One credit cud beginning acct month- A strmmary of the key changes will be proa,ded with your new statement. Finance Charges Please me rem=st&* smportanrsnfirm m Rarmee de A„-Le C--P-AV N ?! die cur R, PURCHASES SM3.67 .04082!6 14.90% $258 (ASH $.00 .06573%P 23.99% t.00 PLLASL RLIURN POR I IIIN BLLOU' R'II Il PAl MLNI 0000000 0 5178052351262197 11 0071570578170015002 7425161 New Balance $7157 Minimum Amount Due $15.00 Paymcnn Duc Date October 12, 2006 -- Total enclosed $ 1 Account Number: 5178-0523-5126.2197 ANNUAL PERCEN'T'AGE RATE applied this period 14.90% ?meprmt? 6add zit arm e-mmlr?s?re&/ 6llurabracF ink S- ---- - Apes C,ry smm ZIP H-Ptnm Ala Pto« e FanaiLAd?ea #90255'76237973590# MAIL ID NUMBER Capital One Bank CATHY KRASOVIC P O Sox 70884 4_56 RENO ST Charlotte, NC 28272-0884 NEW CUMBERLAND ?A 17070-=877 Iu1IIIus111surtn111rsuloll 1111s1tu??nr?ru??r?s?n11n1 Place uviteyx+scaaosvu rsmrsderonyrosorfaeF cr mornyorder mndrpayabkro Grpitar OrrrBanf and morel its the rnrdarcdrnardopr. r ?-- - 17ra8 3 resewilaso hSH-pries ? 500018 peoplepce online , ? Abetter way to Internet. 9? $ PeopMPC OnIM offew the 19e0uros you vsotdd ??p?? from higlteFprioed Irderrtet Service Providers 4 ica for tl1e float 3 mordhe! at half- a mash: p w2s"1D e""° Entail VhUS Protection ® POP-UP Blockert" @i Spam controls SIGN UP TUDXVI 1*877-WS4 207 * Smart Dialer Mention Offer Code: AM®ER V?A Phisher SeGunty or visit www.peoplepc.comlgoiarnber $ Internet Cal Miting FINANCE Prcvtooo Bola Paymaas A Ctetbti CHARGE 57157 - 584.58 $0.00 Sep. 12, 2008- Oct 12, 2006 Page 1 of 1 Traooac*" New W. Mountain Paymad Des Data ?+ 5224 09 $211 08 515.00 Nov 11, 2008 .oL M.M ee Ar hum ass wows Mw§wCwd Plaurnort Account 5178-0523-5126-2197 Year Account Infonewbon TOTAL CREDIT LINE $5.000.00 TOTAL AVAILABLE CREDIT $4,788.92 CREDIT LINE FOR CASH 51,000.00 AVAILABLE CREDIT FOR CASH $1,00010 Finaooe Charges (Please see reverse for noptrtaa "Wwe rat Panodw ComnposdangFINANC appbed to MID AAPPRR CHARG Purrlira s0.00 0.04082% 1490% 10.00 Cash SO 00 0 066415 24241A $0 00 ANNUAL PERCENTAGE RATE oppbed ear pawd 0 ® At Yooo Setwe 14MO-903-3637 To cA Cusocana Rdanau or lorapat a loot or stolen card Rasrarrh Srutarurv Ptevtae av?i.bla balance'. 1,013 Earned dw perwd. 225 (reBecb trons-ons Posted dtou8 da Whng cyd.) Avalabla Ball- 1,238 Pevmma Croddt A Adna4nmh 1 05OCT- PAYMEHTRECEIVPD-THANK YOU 57157- 2 080CT SEARSROEBUCK 2624CAMPHn.LPA 11301- Trm 3 saanms 22 SEP BOSCOV'S #012 CAMP HILL PA $22.84 4 26 SEP RED•ROAMANS TEL ORD 800-274-7M IN $3008 5 21 SEP GIANT FOOD STORES #253 NEW CUMBERLAN PA $5529 6 27 SEP GIANT FOOD STORES #253 NEW CUMBERLAN PA $8.34 7 28 SEP SEARS ROEBUCK 2624 CAMP HILL PA 534.00 8 28 SEP HOLIDAY HAIR CAMP HILL PA $2900 9 30 SEP GIANT FOOD STORES 0253 NEW CUMBERLAN PA 51196 10 04 OCT RED-ROAMANS TEL ORD 900.274.IM IN $32.59 0 Sand pay..m to. Capital One Be* fi P O Bin 70894 fi Clurbee. NC 28272-0894 ® Sad mqunas to. Capri One It P 0 Boa 30285 fi Salt Lake City, UT 94130-0285 Par more nrforaabon on yona Rewards Veit www wpWone.caaJpaaMwewads Cal. 1.800-229.3001 00541 564 1 7 11 QwA12 PAGE 1 sr 1 da.4253n e1e01456 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5179052351262197 11 0211080071570015W6 ?Qj?' I wnarsMyou vWk[r Account Numbed178-0523-6128-2187 New Balance Minimum Payment Due Date L$2111 08 $15.00 Nov. 11, 2008 __j F PL PAY AT LEAST I AMOUNT Amount Enclosed Capital One Bank 4315 P.O. Beat 70114 Onrlette, NC 28272-0814 %22=1088wrA 7425161 PNeee print address or phaa aertbsr charges hahs4P aakg Irea or black krk. AdMISS Hone Phone Affemefe Phone E address A 190286762379735958 NAIL ID NURSER CATBT KRASOVIC 4156 aE4NO ST NEW C08RMIAND, PA 17070-1877 %170701877156% Pleasewrite your account number on your check or money order made payable to Capital One Bank and mad with this coupon in the enclosed envelope. Fist 3 monthe half-price 97 4 . nrrrar, 8e.95rnuo. aursrrhr' SKIN UP TODAY! ' 1-877-7784207 Mention Offer Code: QUARTZ or lnsit www.peoplepc.com/go;quartz 500016 peoplepce online U A better way to Internet. Paoplapc Ona ofklra the feahaae you would expect from higher-prleed kdarlet Sera ce Providers at haH-price for the &M 3 rtlordhN 19 Email Virus Protection IMJ Pop-Up BlockerTM ?j Spam Controls Smart Dialer :fin Phisher Security Internet Call Waiting FINANCE Previpe Balance Paynwes A Ctedas CHARGE Tire-acmes News Balance Ma nna, P"I"d Dee Dab 521108 - $149.99 $4.57 + $299.91 = 6334.57 $1500 Dec 11,2006 Oct. 13, 2006- Nov. 11, 2006 Page 1 of 1 n11n1 M M It/4T 66IrtsaT M-wCard PIntinums Account 5178-0523.5126.2197 (Aft. or or Your Account Momrmm 70TAL CREDIT LINE $5.000.00 TOTAL AVAILABLE CREDIT $4,685-43 CREDIT LINE FOR CASH $1,000.00 AVAILABLE CREDIT FOR CASH $1,000-00 Finance Chrges (Pleune see revere for w"Verlan nro ad- rrae Pww&c CortenoodneFliANC applied to rata APR CHARG Purand" $373 10 0.01082% 14900% 54 57 Cash $000 0066415@ 24.24% $000 ANNUAL PERCENTAGE RATE applied thr pariod 14 ® At Your Service 1-800.90}3637 To all Customer Rdabons or to report aloes or solar card RCSVardE 9uounurv Pnvmus !=whole bairns: 1,238 Finned Ibis penod. 220 (reflects Wmacbas pasted dung d- billing ovic) Available Balances 1,458 Pavrrrauti Cmdita A Adermsmts 1 11 OCT SEARS ROEBUCK 2624 CAMP HILL PA $19M 2 19 OCr PAYLESSSHOES0000039214 CAMP HILL PA S30,99- 3 06NOV PAYMENT S10000- Tro 4 sacna- 11 OCT PAYLESSSHOESOUO0039214 CAMP HILL PA $3099 5 11 OCT C I BANKS 0180 CAMP HILL PA $699$ 6 13 OCT RED•LANEBRYN TEL ORD 800.477-70301N $3198 7 14 OCT RED•ROAMANS TEL ORD 800374-7240 M $22.60 8 1S OCT BARNES A NOBLE 02046 HARRISBURG PA $3390 9 19 OCT FYE CAPITAL CRY 1532 CAMP HILL PA $3284 10 05 NOV FYE CAPITAL CRY 1539 CAMP HILL PA S4662 0 Seed paleoants to CaPuW Out Bank fi P O Bur 70884 fi Choicne. HC 28272-0684 ® Send iagrrrm to, Caglal One 6 P O Boa 30285 It Sob Lake City, UT 94130-OM ® Fos mac ierormrmo on ywr Rewards Cab I. -gOb228-3001??braward. Ouse 304 1 1 11 Galin PAGE 1 aP 1 Gioconda PLEASE RETURN PORTION BELOW WITH PAYMENT 0 517SW2351262197 11 0334370100000015001 c?One-I fMar3NlprwaBwY Now Balance Minimum Psymetit Due Date C$334 57 $15.00 Dec. 11, 2008 P EpPAAYU T LEAST Amount Enclosed Capital One tank 4345 P.O. Bolt 70884 Charlotte, MC 28272-0884 %292720684847% 7425161 Account Number8178-0523-4128-2197 Pkraaa prkd adWaea or pltorr maaMr cha"m IrIOw a i tB blue or block h* Address Home Phone A Ante Phone E msd address 191 1790316762379735900 MAIL 10 NUMBER CATHY KRASOVIC 41SR BB10 ST NEW CUMBERLAND, PA 17070-1277 %170701977136% 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. Tan pry Bwnen Yu "I F86E QUOTES a'alw ?Phal?,??nawance ..,a„ 13.1 Payrrtr a C.a,ya DANCE 5334.57 - CNAR(Ti T HApd Nov. l2,sooe-?1575.0o 2.1 ss.os s??, 54395e M'"°°^trrau D'?D•• Pepe 1 DI 1 $15.po Jan. t1, yp07 Mr1wCr0 3176-0323.31w 'd'YourA CARINARM' P+'rC a" Wra ILLW nv?ru+srwerawt (mat v p° 7UTA REEK U NE VAILA- INEFOOLE?HDIT i S-5,00000 A"ohyagd °a`.? ass6.axs 1 CREDITBI C LE CF I 1.66 AAfUREDIT FOR CA 000.00 ? $1,000.00 2 MO 1.620 F Bala nr /' !a• 3 06 MC PAYINEM 0012 Gulp }DU rA 2JOaa P .r 'PPW to Cry S41277 0 1 s10.0a 6000 00 IW 1 90% $3 p ? "'naeRY1V $1300. 0! 3 tJNOy ' ? 7}y ANNUAL tERM? 21.21% 3000 6 20 CE777,?? ?'INEaRYN ORD 606-177.7030W a?DyM ON P4i0d. 14 1 20-V B08111I AIR YN TEL -/D.I. 606177-Ap30 M IWP 0012 ® To yYC 363..7 9 26N00y DVS 6012 CAMPCAMPNIIOU TA RPM a lrt ar nolal oar6 ?a'8 P012 MIILL PA S67 S.W P.11, m 5933 Caprl ? 8/Yc R P O. Boa 70016 f9 31 Clii1^I\NC 26272-06. kd. W ""? O?pa?da6rtWWI ea>arY Cap4lamRt O. Boa 302636 y61+ke C6Y. 117MI Pkreti 1.60M121 3Or a0lorw aft av-Ey 6i trap pr.? 30-0263 1'1697 yR°^ Fa6nvay 211 Md 3Pa yra of+?a aooe CaOaai? r9?1i1oia r y"" MI rcr 0. "609-12i3001O0O?awardt Sala MMM? aWa aI °'"'°'°' onyx ctw*k a yow wro tt'd y.. and tIt,, 0a a ? sr 9r6aa nwa a .r 2 S! RE7VRN PORTION "LOW WRN PAYN ZM. it- f M1rYsinyow a,?l„ 05'7802331262,9711043"600130000"m Belanp M"Imurn PrymMt D00e 543958 ? Daft S75.o0 Jam.1t,2007 PLfiNfSSE PA A LEAST Amount Amount AU Enclosed Capital oa. P-0- lank C Boa h %3011% at7a NCl470272-0lk 7425161 S36Z72°ItI Ac,"", iW/D?batdt PIBay p.60 ar 7e"0621.612"197 °?1Pa 4t0w 11x1^! bly ow Meek Aac GTE XWASO?-C- RAn ID 415S Ito_ 0 ST %170701677IJ6% • M 1"70'077 Pbex write your account number an yo„r Clleclc or "" confer roads PeYeDle to _'.`- U one Bunk and load With Oft OO4)Dn in Me 'VOW enVgk . 200039 CATHY KRASOVIC Date 415B RENO ST 12127 NEW CUMBERLAND, PA 17070-1877 Ilse by 01292007 68-727012560 08659 44 U W Pbyrothe orderof VOID F- ? W D01kvs Q Z callfillwOne u a x Richmond, VA Q Cdrdholder Memo _ 518nature /12127/*256072701*7502351262197/ "]E S" 1 7 21 "1221 PAGE 2 or 2 01KMSE Easy. Convenient. NO You deserve hassle-free financial tools. So to make it as easy as poWWe few you to access your account, we're pleased to offer TRANSACTION you these no-transaction-fee purchase Checks.* You can use them wherever personal checks are accepted to: FEE • Get cash for things you want and need / • Use them where credit cards are not accepted - • Buy something special Purchase Checks come with the same rate you pay for purchases Remember you make with your card. Just be sure the total of your checks, to use these Capital One Purchase other transactions and fees doesn't exceed your credit line. Checks by January 29, 2007. • Please see the Important Disckmies on the back for the terms and conditions for using these checks. CATHY KRASOVIC 415B RENO ST 12128 NEW CUMBERLAND, PA 17070-18" Daft 68-7270/2560 Use by 01292007 09659 U W V OID U AV to the order of Q Z Dam Q a CaplitalQie' a Xchm cf. VA Memo /12128/*256072701*7502351262197/ cardholder Signature 200039 CATHY KRASOV IC 12129 4159 RENO ST Oak 68-7270/2560 NEW CUMBERLAND, PA 17070-1rn we by 01292007 08659 v W x u Poyro tha order-V I ? -?- W $ 'n Q x vo/a.: u a O - a ne Rkhmamt VA 7425161 /12129/*256072701*7502351262197/ cWtholder 5'gna0we SAVE HUNDREDS- when shop around for You your insurance. shop and yey ww Met.,nn ??- teoo a nbn• cn Your Cor?y? easrt 7575 ce insurps? AILSy?/(a f- no U..Z6 FREE QUOTES bP MF center, wMrar.gpltalana.c ,onay p 0YOYayl le.r.wta. ce .w. am¦e I Ph. " P a • Sd?m lnwbCa. A j30e n.Y awart --'-----' hvbmt ?(ymp.ry ---- A. -- ----- f3e9 _._------ - ----- O ... '--'---- '- - - - - - - ... -,----- 1 A. - ------ $3be ? --------- Buy .dln.t Q ------- Wnn O.s4 _____________ --- __ A - - -- 097 ------------ any_dtiY --- - 'J ----'------------ -""? -- . --._- A+ - t+tu -- ------ iryanq.W (J e.d.s k _ ssse ? - Wum__ A+. r eA21 _ 77 ---'---'---' _ _______ hMhoA,?aw - ----- __ A' --- 5503 _-__ - --_- _____ __-_ .__.-__ A f __ 45ae ______. - Mry i?aw?l &no?e? M ` - {SA - Mry wW1Y O 7eYmip a Cndi: E'W= 54;19.58 AGE T'a+oH? 555.49 Nar woe u.4a Dec. 12, 2006_ :0.00 ?+Yimt Jan. 11, zoo? ss99.so ad P.rm Page 1 or 1 S 15.00 Feb. 11, 2007 MiMC •/?Ib ncsu edAruASr sNs rietLb„e,e ?. ;.lei AYgry. TOTAL CREDIT UNE (ne.i VAR- UNE OR Cg3H? 54.00 p.g00p A•+3w eal? P°°°e air mu s ?tmte "624 (ABLE ?y CRED/TFORCASFI 51,000.00 i ?? . F°e°°?mri 1 asrAAr PA mn?ivaNme-47 ?.eov e7PCedb P-= ws,ay„ $15-49. eux e,ee, wc.a.S40.00. Cm sn,.n o. °"" Ixt U w' +eae.:fi.+tnivr„ e1b"s:ai ANNU.1L PtRCFJYTAf ?06611'IP .? 24 ?-p iaare ? ?? ?8ekbuyyiaicbPOOnn d°pYimie?bmehee ?hak ® o?cAtrb?Pebd J4. ° ?s}°Rid =: ?°? 3md P?Yim b: ? ?e4rd Capjr Qee GProY OmgNc6P.O. BOS tl.e `gym yaw lfipe ?°° .)eu.. ywbq:ne Tads A 7py4 fi ChtsOaS 74C h2?p84 n, oe 4 4j"s? :: y„a tr.e r.. r„Yri ee.F-psw 1 . Wm-Y . eieoGeaayet Bo.3029s6 yy?tm Ur 24 be?°iA'r°iea?nt? Cay- ® Fi 73 ??-?0°?pa?e,e+b as4 W. s ? u er4yu PLMa? I ?' C ? PORflp47 •<iO1f aM1q ?A NOSetens -"r?J"°rsNw..?er 0 S178OS23S12 82197 7Z ?r?s?,?? MInItM(Mrt PaYtaarst Dtte AecgMk O-" 'N+t+o015005 5389.588 Dab 115.00 J Feb. 11, 2007 PLF P LEAST Amount ErscIOW C+Ptta7 P.O. ya 770M44 Osar7atta-. MC 28272-0884 '7-4Nr/. 7425161 ""m++TA ph*" Pstat eNd'617r1.ps'Xi'ef12C-2197 PhOae "Mtlar-,-- aetuw y? ? °r ?'a L4k r C 7i2379733lsP MIL 1D XWOU I153 -? '°"?• PA 17070.3/77 x, etnss4 Pfft" u++? Yow ?? --mber°A Your cAeC` or money oroet made Payable to CaPII+IOneBMrgtWyffW With b'wa CMIPCII in 0,se 200075 CATHY KRASOVIC Daft 12148 4158 RENO ST NEW CUMBERLAND, PA /70701877 Use by 03MI2007 60-727-/200 73 Y U w d VOID $?-mo 1, re ai e, o aW to / w h DoRass ? U O, R,d+msnd VA Grdhslder M.M. 518newrs /12148/'256072701'7502351262197/ toss sod 1 7 11 070111 PAGE 2 OT 2 OIKeass i Easy. Convenient. N O lbu deserve havalw4ree financial tools. So to make it as easy a s T R A N S A C T I O N possible for you to access your account, we're pleased to offer you thew no-tnumdioMee iPurdhase Check&* ltw can use them wherever personal checks are accepted to: F E E • Get cash for things you want and need • Use them where Credit cards are not accepted Remember • Buy something special to use thew Capital Ones Purchase Checks come with the some rate you pay for purchases purchase Checks by you make with your card. Asst be sure the total of your checks, o2r,5rma,. other tnahsBCions and fewdoesnt exceed your credit line. Please see the Important Disclosures on the back for the terms and conditions for using these checks. CATHY KRASOVIC 12149 415B RENO ST NEW CUMBERLAND, PA 170701877 D606r 68-7270125" Uss 6y 03/2V"W 08M x U w U liryfttlre order a(V O I D $? H x a U "Id- QC C-W~G . a Rldrnrsn4 W cerahalde, Mlerrro Sipubrn /12149/'256072701'7502351262197/ I - 200075 12150 CATHY KRASOVIC Da6r 6&727•/2560 415B RENO ST 08793 k NEW CUMBERLAND, PA 170701877 U" by 03n3MM U W Z U Pty ft the srdrrafV I T w $o Q DWI- U C Z3 4 Ndnrren4 N4 cardholder AA- Si we 7425'5161 /12150/ •256072701.7502351262197/ Room SAVE HUNDREDS- when shop around for you your insurance. a? rw?. ?'w'? l?ao a m,n,•,n rau. 70V .U10 any yoy rol/tl ?? ??b.1 ??• nwro?7 cylY? + GET UP TO 8 F An W*r (I Z UP ?P mriq. TES r-wer f WWW"WPUlone.eomrynsp olq xw.r..0o. ceeeepnls Sd..v inaunnoa Co. pMMq 1 Estllaahd e Mo.NI. Raw.MP. A f30f eW a.eNwN ( ? _ _ _ _ O M _ _ AfM9 -- --- ._ O -- - -- - asw.. . A ? { $2.6 lW O.III1eN O l7n[nn tard A 1$397 eery-ek-I 'M wMord A+ $410 11uY aMMd i ? i E.n•r h _I f.lt F ?W aNbe.l I c _ A-M A n A , _ . A- $423 _. I.. l-- r ___ .__ Gn.F w?•?.___-_ __ _-- A, $303 0 Evmc. A f3o6 1W awalwl O A. 6379 aW wilwtl /, O ?3au. Btlenae P.y3ny? t Cndly F'BQANCE 5436.$° _ CHARGE 7Y•ta.e.au? _ 555.49 Ckc. 12, 2005_ a°°Jan.?k 11. 2007 Page 1 of 50.00 - 5389 50 M..m? o .q?e, 515 Feb_ 11, 2007 II) 1? ?A ,?y,?? A. YaevAaaaM C""'?! P?rW..M? n?er nv,R>wt •e.e.n BLEB P+.e9d CREA AVA E $5, CRE 00 Is- AVABLE E FOR?TGSH? i •80 p 500 1.624 P.-N. OR CASH tf;ppp 00 , 031AN 1.609 1S- z ?°b0' P4a. werw9.y? 05 r'V'1 PAS YN RE7VRN 800-477.70o1 p Isp1.dK Ct vphwyw i<'he. .13..9. ,3421171 0 7a _"' C7lA>t °•?90 Pro.Me•r6eck ar T/p pp, C e° 7i 11 Ia. °a6?•Aad trarrq?"'R 7.eeau so-oo 0, ANN 'Eft 9W q AY c?'CSRA7E ? W I4 gA°+.ro wa*Q?W?b._ ® T. c.9 cuu 1 r 0,3637 n ? lm t+w.eYa ch d b.d` r ,? ® B..d p.ygW b ar.taim aad. A....Iwd cq W OM MIaole7? M6 r 8 ? F P O Baer 7U9M 6 ChrkY4 aad ly Pksd.,efsyft NC22272-0894 . 1 bears P l**d, --g -1- fa ? •?an ?eY?2007, 1p.?y,,e crW W 071. A Po . Bm130215 6 9.R 1,.ke C#S. UT L4130•p2t3 aODY ? Uba ?' YM'Mw 0°Yav CYI 1_R00.wNpgy?? b M.. SN 1 ? 7 u as933y A?1.f2 E ?fURN PORf10M BELOW W 7m PAS s. I -h-e lA 3aurr99..r 0 S178052351262197 Alow Odanco A11ntn uM P u 03495000 15005 5386.50 aYmN1t Oua paw Ake- 515.00 Feb. 11, 2007 PE ??y ^'a APMOUVLEA3T Amount Eneloab VPit1 P-0. A.. A hall ?Q7.aer.,l.,o?t_t28272-0eW %4&c% 7425161 "°'?47k ?I..y nfnl,?0 ? 7??f?-2197 Paa.?neABp„ra?. ~ -Ift bfln>a1.9a 6WL ua? ?ICf9SI 'gin RAtI r° aUlo '417177p1,771?? °. IA I707a1177 p?B •9r1te Your aocoll/lt number O/1 yotu dleclt or /np?e «? medp PeyatNe 10 C.PMaI 07M ?? a11d maN M0 ? ?+POn in Mle andoEaO er7vel0?. CATHY KRASOVIC 415B RENO ST NEW CUMBERLAND, PA 17070-1877 Daft use by 03rL rAm 200075 12148 68.7270/2560 08793 Y U w C ? Pay to de aide. M V0 ' D J I I x L_J W wf D08ars ?C One- l//lC U a R1cAmond, 151 C? Memo Cardholder siae.mr. /12148/*256072701*7502351262197/ 60541 sm 1 7 u W0111 PWA 2 of 2 0211060541 Easy. Convenient. ` N O )bu deserve himb-tree finandN toots So to make it as eW as \ TRANSACTION poseibie for you to acoese your account, we're pleased to offer you these rho-trenselctlondee Purchase Chedts,* )bu can use them whenever personal checks are accepted to: F E E • Get cash for things you want and need ?? - ---? • Use them where credit cards are not accepted • Buy something special taeEnem bar to use them Capital One* Purchase Checks come with the same rate you pay for purchases purchase Checks by you matte with your card. Just be sure the total of your checks, 01130W other transactions and fees doesn't exceed your credit line. * Please see the important Disdosures on the back far the terms and conckLons for using these checks CATHY KRASOVIC 4158 RENO ST 12149 NEW CUMBERLAND, PA 17070-1877 Dot* 68.7270/2560 Uv by 03Q MIF 08793 k U W x V O D I ra y a uewde7./ Q x DoNars U a One a Nchm-d. VA hum /12149/*256072701*7502351262197/ C.rdholdw S18mture 200075 CATHY KRASOV IC 12150 4158 RENO ST Daft 68-727012560 - NEW CUMBERLAND, PA 17070-1877 08793 Y Ilse by 03/23/21107 U W x U e Z W km I. a C - aid w 6Mme C.rdhWd., SiBmNre 7425161 /12150/*256072701*7502351262197/ SAVE HUNDREDS whe n you ShoP around fo r your in uranM ••e. E.tha M d 4 .? o I--- C..W.W- R tkM M.Mb Pa•.wlr.? IIMII>.10• ~•I• 4IIlp••77r Sd-Lwano C. A f3•• Bury-dbW alb 7C114U10 ib dC A. 1369 - - Q ------------ -- YM COWd M Imllrtenro obi ---- ------ l wlrs ?_ _ _ A+ 1386 A 97 .W aw...f I Q nN Mt t Q a V . ? w • UP To 6 - "?'?7Cr?Ifmmbyca,i WOUOTES ----------- -- ---- _ - __ whh• w,._ Center WWW.0iP1}.ICn .1"omiI . 1 CO AIGAW.?Y Ada-_. ._.. ^ H71 "_._ ----- r Q . mgn.uf.l7p __ - ------ ___ - - - - - - ? m Orn. fiwn P.upr- A . 5503 Q o? f o A .- .Y1' MM.1 O ----------- --- Hminpr - - A. f 1579 - "..w" O °^i°?? .alao4 Prymm l C,.,. =-C.-, 5389,50 CHARGE WAS tt"K^m+ Jan. 12, 2007- S7.M 5229.98 Nm add M•--. P,,,, ? Feb. 12, 2007 Page 1 of 1 3591.32 $18.00 ktar 1 D. J178,05-_31P AaaauB ,S. ,2007 Yav A<•av C ? ?ArAr??y?aw7 70TAL CREDIT TOTAL AVAI LINE Gee•?y A AULLAABLEU FOR LE CREDIT CAs" 34.438.89 A. arm: 1 a•b8 ?• s xk/ 1.609 CREDIT FOR CAS51.000.00 1111111321 207 P H 31.000.00 1 2s JAN ?•1"V'JIDRVN 1.814 Sal .11. m•aae ? a ja-pgW . T PM PAYMUWT a SRN dOp477_703o p./ 0. CaFft n. 325.48- Pvdy?y Cub $169.78 0.04082% R 3 I l JAN RFJ f40.00- J0.00 0. 14.9071 4 19 JAN 'CPS CA11G9%83 RMM477_7030M A17411AL PERCp3v7. 066417p 24.24% fO.O4 211_ ... pkse Nab •«f??,? ""M ? $101.93 AIY9v tl. f12793 T• a8 Cm?'a• 1033-3637 bm. ROIYd tr brq?y? • k9t arsq? a.d AR d°°pbi Plee• ry6 ? ?yd °°?yt fftd P•Ye.., to CyOV U°•?k 6 t.0. aac 708y1 fl A C?1o?A NC 28272-0884 P 4WC "4 • PO. Ra• 301fs fl f•k!,•Fe COY. UT8413pO2af ® VoM.?w,aF!?pmmY- R Get 1_a00.-21&3.'a•mb°i•v I 4eJ4 .•• ' ' zz •nun PU618?1e2 RETURn lows t, egp1111 PAYMENT >" " -t-n i•, a •+Rr 0 51780S23S1262n7 No Bala" Ylninnlm p u fi , 32004000001GW7 n! Due Date ?n1 Nu 3381.32 518.00 m123.61 ? ?r 11 2007 Pwr.•PJkr•ad?.e.a? -2197 PA V t4.• o81.84 A^O1jM Enelos.d 8 capful k 78237973"M /µn ID Cbarl'tt' "G 22272-0884 Y?4.7o•4 4158 RE AfbVW-XWeet 7425161 s mn°""" c+ `ti"°nG", PA 170%G1707o1r/71J6'A 702n7 Ffftft M+Ite Yrnu'Wou' number on y w 0,6a or n1o71ey Ofc a made Parade t0 CWU One am* alp ma11 "'0' M18 CM'Pon In and°°°° °nvelPpe. 200102 OSM 15 M important notification of a change in terms to your account Your account is changing. These changes will start with your April 2007 billing cycle:* Late Paytnent (Past Due) Fee Your late payment flee wW be based on the amount of your account balance at the time the fee is applied. Balance of $0 - $99.99 = $19 fee Balance of $100 - $999.99 = $29 fee Balances of $1,000 or more = $39 fee Over-th&icredit4imilt Fee Your over-the-credit-limit fee wil be based on the amount of your credit limit at the time the fee is applied. Credit limit of $0 - $499.99 = $19 fee credit limit of $500 - $999.99 = $29 fee Credit limits of $1,000 or more = $39 fee What's Not Changing Although these terms are changing, your card still features all of your current benefits including $0 Fraud Liability and online account servicing. And if you are currently enrolled in a rewards program, you will continue to earn rewards on all of your eligible purchases. We truly value your business and look forward to serving you for years to come. 200102 see reverse for more information, including how to decline these changes to your account. 7425t(iale retain for your records. One' "SO so@ 1 7 11 OTOM PAGE 2 of 2 O11[W94 EVE HUNDREDS' when you shop around for your insurance. mrurarrn M1°lap aarriare w1?anEyEpyQt107ES ?tct w!rlrcapltalone,co??DnDCa ESOM~ 3...r.w Ceny..lr j tiro Nh?w Wlw 1I f ? 338• OW an11wN t.l?. lu.,.,,c. Co. - Fl CUrnq.ry ? A? 136 C? -- - - --------- lew4n '- ---- t?- S]ed -- 84Y awMnal (? - - IJnnml 13^77 ?alY Yallrral ? ___. Tn Wrt1n.J A? 1 "IQ Pc -wb-l Ean A- ! 16 Sw -lb-1 ..; - t AIG Aa.?r AJO A.+ H21 -- O As ?lSd] _ Onw lr.?n i.q}wAw _______. - Eaw.M. A 1506 8ary awYwN O _____ ¢.?.p... A. i 7579 ?W a11RsM O I ?? a6dctY pn"?ZCr6?y FDlANCF S3B9.50 St15. ??? Tr'"'?ae o. D Jan. 12.2 228.88 °°"" P." 007- Feb. 72 SSt)f 32 ale 2007 Pape 10' t C 518.00 t6p6rCacd Mar. t1, 2pp7 Zzvpanod ACyR?D?jTA u CREDlT S5 000 00 A..I bi6 F4bd e u a mta) 1,609 sS, 439 tABtE CREDM FOR GSFf 31.2,0 1111, 203 F' 213AN 2 1.870 aMlos? ?afOOr?Nfar bVo•16ei1 ?? PAyM? m?N800-?Y7_ FUtaq 7070 ? oP1?64 P? M UNION 3 Crp 716978 0 1490% 44 CN t 19 SAN A?'l.AN $000. ANNUAL? m•00 oo ,7v 242 S 00 kPFNNEY7W?l 221 77- MM C?'+'!'AOFRA So tao-221-3005 CT S10193 ® NYC 7F 6pp4od.Ihs Palad 14 Plwra Naec ". SOm Ofdftvr"of T. t127.93 caB Cc 1 3637 1??Tacall ara gc?bat kallbalraro ropes!akorq uM Pik rra6 tlt /kloaa6 ^°o6w0aa ?Aw C4rY qy gyA 6P0 BM 708M6 A CbarjM.W 78272-0[4 Capily 6 PO Sac 302lS A Soh lakes C*, UT &4130.02W PY?ra'w°'3? C68 1-8pp?'Foarcp?rJ. Soso SSo 1 3 r ]] o/asst FKIA? 5 „ _ ?ip?y?, ?? Pp?f? aFLOW tlrytN PA871E? s6 "^4f+n7earrryn 0 517a0S23S1262197 Now ranee M4Mel PaYtnern Due A--. 11 056132p0400M16007 Date S5E1.32 (TtW $,,G oo Mar It. 2W7 P P LEAST Amount EnUUwd Cwtal 0.. 'Q,' &ur':Mftw ? n 7%c 8"7_0##6 "4°707w 7425161 -. "Umb0e178-06234 P 12&2197 DrMf'°°^r arpllpr M+114ar ?alaa ?!0~' ?q toy ar Mlek Nk. 47Q37l73S9## Mil to S QW Sr sue RppBt PA 27070-2777 • %17010""56% Please write Yo"r aMlDUnt number n y x check ar mpry order made MYabis to Cap" One Bank and may wvth 0lia CO"Pon in the enei0ded e^ Ae. 200102 8111114112 16 M important notification of a change in terms to your account Y Your account is changing. These changes will start with your April 2007 billing cycle.* Late EIVOMM ftirt Due) Fee Your late payment fee will be based on the amount of your account balance at the time the fee is applied. Balance of $0 - $99.99 = f t 9 fee Balance of $100 - $999.99 = $29 fee Balances of $1,000 or more = $39 fee Over-the-credit4hnit Fee Your over-the-credit-limit fee will be based on the amount of your credit limit at the time the fee is applied. Credit limit of $0 - $499.99 = $19 fee credit limit of $500 - $999.99 = $29 fee Credit limits of $1,000 or more = $39 fee 1Nhafs Not Changing Although these terms are changing, your card still features all of your current benefits including $0 Fraud liability and online account servicing. And if you are currently enrolled in a rewards program, you will continue to earn rewards on all of your eligible purchases. We truly value your business and look forward to serving you for years to come. 200102 S" reveme for more information, including how to decline these changes to your account. 7425 ?q MU retain for your records- Om- CaPftm so" S00 1 7 11 010212 PACE 2 N 2 01X0050 ? frypM aeoo c.,,M an ,c,?•,n rw. C°"'°k" yev ssno +nd yep oelad eav. . rnrur,7?p ?' u Wes( eop P 7-0 -1 E 0 ?• 007E5 7eu ?? pPkalona,???wa ??e,r a?aoe 5381.32 582.48 57.10 Feb. 13, 2007-. 13, 2007 Page 1 Of 1 Mob 5,72 ad t? , ACOpjq Ye.Ae,e?,.a ??N TOTA?(,,q =T LINE dos 0 ACVRA ?LINE?F M HprT $40200.013 REDIT FOR cASN $I "0 00 r4,4p?4Ch?,. ?4??ae7oreepa0et. penodic C ?p,od b 5399.13 pO4p17% RR ANUALreRC°',TACE ACE 0.66641.1p 31.E 57,0 RA7E? 7431 $0.00 P u . Allfi* ® 7o ep1'9013637 ? Rdefiy? or b'eDVt.loga?bMa ant' ® GPW trfi P.O. a. 70"4 fi ce"bdt Nc tmz.6u4 Cspy One fi r.O. ear 30713 fi sat Lob Coy,rr s4130.02s3 V?ow°.w.°6aramyor Cek 1-fipp? ?°°Wreem.w???y' by4 ,ee rsymeot Dm o.r * 57294 5578.87 S17 00 ?. 11, 2007 A,aihby 9d Pmbd d-ft do kh x .) ,.514 61 Cam. 7 4 KUR PA 1.875 MAR ??L'V'tmRYN REr'MN 9V-477-7030 IN s3o.w 4 21 FFa SI249- 1Ee N®RVN EL oju) roan-7M IN i0o47?-7030A, szzgs $49.96 a ' u news ? a.rr 1p PORTM ? MmH PAYMMI, oxw "` "t`r'y 1ee?.e.r 0 S17SpS2351262197 awmutn P OW you 11 057y700500000170pd 5578.87 $17.0o Apr. 11, 2Dub 007 PLA _AY_,?r LEAST Amount Erb MO?WVT CaP1ta1 s P.O. Meet I.,, Ms" cho0otto 11C "'n- 7425161 ?vft@Z7% Du. P1ft"Pf .m«?3dtzs2lf7 g ON-aul,karetra? aeeo. „d„0 kk. ar stkk kMr. E y s 4uTMT?f? CSf7P t6til ID "MR BEW x C"?, PA 37D7o_U77 7070,,77136% Pkaee *ft "/f ao'warc rR'",he` °" ywr G,ea` a money Md. made paYabie b Cap" One em* MV RW With Daa oo, pon to D,e of VOW en"lope. 200137 CATHY KRASOVIC Vert 122(11 4158 RENO ST NEW CUMBERLAND, PA 17070-1377 Use by ON01/1007 (r&727p/=?0 b 4 3 36 Y U W /o MeOIA!/Of V O Phy ID so 1J x W D[xvrs Z U ?1°?1IlC• -? Rkhmwd, VA CL Cardholder Signature /12201/•256072701.7502351262197/ 403a Sam 3 7 u 0,0313 PAZ 2 M 2 OuKe"s Easy. Convenient. \ NO You deserve hassle-free financial tools- So to make it as easy as TRANSACTION \ possible for you to access your account, were pleased to offer you these no-transaction-fee Purchase Checks.* You can use them FE E 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, 0610112007 other transactions and fees doesn't exceed your credit line. • See back of letter for important information about using these dada. CATHY KRASOVIC 122M 415B RENO ST 11th, 639270/2560 NEW CUMBERLAND, PA 170701377 09956 Y Use by 06101!1007 U w U tn PtOMeadro/ VOID tn Q Z DOaers Qc C--*~C' 4 ft*m d, VA Cardholder sipuhre /12202/0256072701.7502351262197/ 200137 122M CATHY KRASOVIC 4158 RENO ST D01t x'7=70[? _ 0 NEW CUMBERLAND, PA 17070137/ Useby O6r Irm usne v W U VOID PFryEe Me adrro/ Z D01brs U Oc CAWOWOW IEdww", VA 7425161 /12203/ "256072701*7502351262197/ 500016 MPS SST... Capital One* does credit cards-and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services. CapitWOW ! what's in your wallet? FINANCE Prevlas Balem Paymmfs a Credf6 CHARGE Tnmsaaam New Bslore Mieillae Paymea Due Dre SS76.87 - 5224.22 67.21 + $69.93 $43,.79 115.00 May. ,,.2007 Mar. 14, 2007- Apr. 11, 2007 Page 1 of 1 rIFME M R tFKT 116 aaleNT MweCrd Platimm Amount ' 5176-0323-51262197 (A- ? Z.AMW Ymr Account TOTAL CREDIT LINE $5,000-00 TOTAL AVAILABLE CREDIT $4,586.21 CREDIT LINE FOR CASH $1,000.00 AVAILABLE CREDIT FOR CASH $1,000.00 Fmece Chrgn (Plan am levrse far mpasevl anaoavdvaFB4CHAR Blkle= ph'ed I m o Periodic C ap roe Puodl 8606.66 0.04032% 14.90% __ 87.21 C=h 80.00 0.066415 24.74% $0.00 ANNUAL PERCENTAGE RATE applied this pwiod: 14. j&Mk At Y- Senior 1-310-903-3637 W To ea0 Customer Relabi or foreport a lost w stolm cad: Rewrds S1®sav Pneviow ava"baleooc 1.675 Fiord the Ppalod: 46 (meant eawaffiom Posted &-v the Wlmg cyde) A-alahle Baloer. 1,921 PavmafO. Cro&r A Adiuameora 1 04 APR RED-LANFBRYN RETURN NO-477-7030 IN 52422- 2 07 APR PAYMENT 8200.00- TnmsK me 3 13 MAR RED•LANEBRYN TEL OR)600.477-7030IN 869.93 ® Smd p6ylneas to: C.apiel O0e Bead P.O. Box 706645 tarloee, NC 28272JMW A Sevd il=. to: Capeal Oa1e 6 P.O. Box 30233 5 Sah Late City, UT $41304M ® For a mfamaom an ywr Rewards: viravv Cwiekvaoodpameewrds Call: 1-100.228-3001 0436 306 1 7 11 070411 rw 1 er t COMMS$ PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5178052351262197 11 0431790200000015006 Ca$6/laiQry? I .dot's in your wa3rY Account Numbn8178-0623-8126-2197 Now Balance Minimum Payment Due Date $431.79 $15.00 May. 11, 2007 PL??EAMOUNT,rLEAST Amount Enclosed Capital One Sank N131iG P.O. Box 70664 Charlotte, NC 22272-0664 i42627206W64rA 7425161 Pk1w pskd addition or phone axrx. crust0ae below uolaB bkw or black ktL Address Horne Phan ARerrWe Phone E rtn7 address t4 /901027623797359" NAIL ID NUMBER CATHY OtASOVIC 4155 BEND ST ON CpOERLAND, PA 17070-1677 %170701877136% Please write your account number on your check or money order made payable to Capital One Bank and mail with Itn coupon in the endowed envelope. 200137 CATHY KRASOVIC Date 12233 4138 RENO ST NEW CUMBERLAND, PA 170704777 Use by hoe 24.2007 6&717o/ 56o 09197 k V W P4V ro the ceder of V O I D $' U W to Agnors ? h C*~O C Richmond, VA Memo Cardholder SiVmture /12235/*256072701*7502351262197/ 6054 Sol 3 7 n 07"n PACE 2 of 2 011[4056 Easy. Convenient. NO 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, Juno 24, 2007. other transactions and fees doesn't exceed your credit line. . See back of letter for important information about using these dleclm CATHY KRASOVIC 12236 415B RENO ST Dote 68.7270/25" NEW CUMBERLAND, PA 17070.1977 09117 USe by June 24, 2007 U W = ki PfyrotheoMern, VOID $? Q ObRsrs cc Zb Rkhmond. VA Memo /12236/*256072701*7502351262197/ canowwer SW-we 200137 12237 CATHY KRASOVIC 4158 RENO ST BON wm,/ NEW CUMBERLAND, PA 17070.1irn Use by June 242W7 w v P0yroMeordr-/ VO L D s? W Q 0dbrs Q CapftWOW 4 Rkhnand, VA CaWhoWw Memo Sipre 7425161 /12237/ *256072701*7502351262197/ New • Used • Reliance • rersoato-Peraoo • tease Wyow CATHY XRASOV1C • you could get an auto • Annual Percentage Rate* (APR) as low as* 6.09% and refinancing APR from' 7.20% no costa Apply online today. ft's easy and takes just minutes. ragakad www.capitalone.com/autoloans 'See T.C/Se 7Ol MgortMC DisClD9ea3 +?9 Mil OAK FII4MCE pfc a Balance Payments a: Credits CHARGE Tranoc6oro New Balance Mmlmkan Paymeat Due pate 5431.79 - 520.00 56.92 + 5144.58 5563.29 516.00 Jun- 11, 2007 Apr. 12, 2007- May. 11, 2007 Page 1 of 1 .a. FtM tw at kFaR was AMW S MasteCwd ?lateuun Account uooty 317,-0523-512,&2147 ?L. /IfD Preriau and"Is 6alaora 1,921 Eaned fit pared: 145 Your Account fol rmsoou I D>< (? trumcnars passed during thn b&% cycle) TOTAL CREDIT LINE $5,000.00 AvomNs Bdancc 2.066 TOTAL AVAILABLE CREDIT $4,436.71 CREDIT LINE FOR CASH $5,000.00 PaYSms. Ctediu R Ad;mmrw AVAILABLE CREDIT FOR CASH 54,438.71 1 oat MAY PAYMENT S20.00- Trssatiaos Finance Charges (Plan see mere Tor B: 2 11 APR MART 00042754 MLCHANICSBURG PA $86.61 Balance rate periodic C?pQ?ANC - 3 17 APR RED•LANEBRYN TEL ORD 800-477-70301N 557.97 applied to rase MR CHAR Pwchn $565.35 0.04062% 14.90% $6.92 Cash 50.00 0.066415tP 2414% $0.00 ANNUAL PERCENTAGE RATE applied th's pared: I4. ® At Your Ser ice 1-800-903-3637 To call Customer Rats4om or to report a lost or skim card: ® Sand payments b: Capitsl Om Bank 6 P.O. Box 70884 E Charlooq NC 28272-0884 A Capihl Sand-= b: P.O. Box 302E5 fi Soft Lalm City, lT1' 84130.0783 For mere information as your Rewards: Vioarww.wpmlanaoomlpodarewarM C. I-800.228.3001 0036 3N 1 7 12 070311 FACE 1 ar 2 0111x3034 PLEASE RETURN PORTION BELOW WITH PAYMENT ?,.aw. 0 5178052351262197 11 0563290020000016004 04~0 eI whu4 in your waBetY Now Balance Minimum Payment Duo Data C5563.29 518.00 Jlxl. 11, 2007 PL &E %&T LEAST AMO Amount Enclosed Capital One Bank 44162% P.O. Box 70884 Ourlatte. NC 28272-0884 %23Znffi8484T/. 7425161 Account Numb"178-06234126.2197 PNue Belau address or psasta rn, , escapee l 1, Imbtp caw ar black in k. 090132762379735911 NAIL ID NBINElt CATRY BRASOVIC USE REVD ST NEW CWRIERLAND. PA 17070-1877 :5170701877156'/. Please write your account number On your dIECk or money Order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 200137 CATHY KRASOVIC pale 17167 4158 RENO ST NEW CUMBERLAND, PA 17070.1877 Use by holy 23, 2007 68-72706W 7 u W d P h V O 1 D $o z e or er of ay to t W tn Doaoa ? Co Clw l Richmond, YA Memo ca"Moldn signature /12267/*256072701*7502351262197/ Sass Soo 5 7 23 07*su PACE 2 h 2 Easy. Convenient. \ 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* Ybu can use them wherever personal checks are accepted to: • Get cash for things you want and need • Use them where credit cards are not accepted • Buy something special Purchase Checks come with the same rate you pay for purchases you make 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 cheda. NO TRANSACTION FEE Remember to use these Capital One• Purchase Checks by July 23, 2007. CATHY XRASOVIC 12268 4158 RENO ST Daft 6&Tm/35- NEW CUMBERLAND, PA 17070-1877 09267 Y Use by July 23,20W U W 2 Pay the arderoJ fo V O I D SO Q narvs u C-,"~CW 0.. RRkP~d,YAA Cardholder /12268/*25607270107502351262197/ 200137 12269 CATHY KRASOVIC Da6e 6a-Trio/?s6o 4158 RENO ST 7 Y NEW CUMBERLAND, PA 17070.1977 We by Jdy 23.2007 lJ W r 7?,rmtAea,de.a? S? V01 D Q Z Wars Ili RkMmorrd, VA Memo Cardholder swish" 4 7425161 /12269/ *256072701*7502351262197/ Capital One Auto w Buying- se makes car-buying easier. Because you're already a Capital One• customer, you quality for special, low, No Hassle pricing ? Low, No Hassle pridng on a huge selection of new and used cars at ? No negotiating needed • . exclusive partner dealerships near you. Less time at the dealership, a quick buying ? Huge inventory of new process, and a great low price all add up to our and used vehicles r,/ftHassie No Hassle promise when you buy your next car. Your Account h!a®nen TOTAL CREDIT LINE $5,000.00 TOTAL AVAILABLE CREDIT $4,444.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $4,444.00 Foxes Chww Rlene sae reveraa for impataet. aBdennppla' drag Periodic CmaspasdmgFRICHAR to row PurrA.o 5361.63 0.04082% 14 990% $6.71 Cash $0.00 0.066417fp 2424% 50.00 ANNUAL PERCENTAGE RATE applied this period: 14. FINANCE Previaa Baham Paynamb a Credit CHARGE lkaancb= New Bah6ce 84i®a- Paymem Due Dab 5583.29 518.00 58.71 + 50.00 5558.00 516.00 Jut. 13, 2007 re. May. 12, 2007- Jun. 18, 2007 Page 1 of 1 s4Ax w Ar MW 116 AISUR MasterCard Phaoa- Aaxxaat DOORTANr INFORMATION ABOUT YOUR GRACE PERIOD: If you pay year Wmm a fug may month by 51740323-3126]197 yoar do date, you will er8oy as dee6-Lae pace period of 2T drys m new pudenew Pryor by your due 1 Is- dace abo helps you avoid Lot few Please sae the back of yes stoonew for mos detn3 and th61k ym for RawARDS' your baaoers. ® At Yea Sevin 1-800.903-3637 To ng Cletasaer Rdnkm err b report a 1st err 4oolen Card Rewards Sasoarr Previae avabble 6abrloa 1,066 Esaed Itis period: 0 (red- e>erectiere pasted dswg Ihn billing cyder) Avrlable 8alasce: 2,066 Parsems. Csdi6 R Adimnomu 1 05 JUN PAYMENT SI6.00. ® send prymmss to: CopiW Ow Beak L P.O. Boa 70884 fi Ch6ktoe, NC 28272-0884 A Sadpita Ooe arla w. Ca fi P.O. Bm 30285 fi Ssh Lake Cily, UT 841304)285 Vsibvrvw.pipgYoee.nmtpomarswards Cab: I.800.2243001 4056 Sea 1 7 17 970614 FACE S of 5 9200054 ® For mse oforamim w yoar Rewo da ?/?_? PLEASE RETURN PORTION BELOW WITH PAYMENT "'?a.,9! orle I whenm foaa waBctY New Balance Wrilmum Paymerd Due Onto 15Ei8.00 218.00 Jul. 13, 2007 PL E %Z& LEAST Amount Enclosed - Capital One aaak P.O. Box 70224 %4194% Charlotte, NC 22272-09x4 %2E272=4847X 7425161 17 0556000016000016002 Account Numbefb178-0b23-5125-2197 Pkraw Pfd address or phase aurobw clrwp-' & uning blew or black halt Addn9ss Morale Phone Awe Phone E-nW address a i9017076237073591d MIL ID N ER COUNT RRASOVIC 4152 REND ST KIN CIMSERLAND. PA 17070-1277 :4170701877156% Please write your account number on your check or money order made payable to Cap" One Bank and mail with Oft coupon in the encosed envelope. 200238 Earn big rewards with our new debit card Dear CATHY KRASOVIC, Tired of debit cards that give you little or no rewards? Because you're an existing cardmember, you're quaffed to enroll for this exclusive offer: the brand-new Capital Or*' Debit MasterCard! the only debit card that lets you earn Capital One No Hassle Points'" This is how simple the new Capital One Debit Card is: • Your debit rewards are automatically combined with your existing Capital One Respond by credit card rewards-you'll earn 1 point per $1 spent every time you sign for your 0813V2007 debit card purdiases!• • No need to change barns or open a new checking account-it deducts transactions • Earn 1 point for every from your existing cheddng account!' $I spent when you sign for purchases • There are no hidden fees or charges-just more rewards for the purchases you make every day. • No need to change • You're protected by MasterCard Zero Liability--so shop with confidence because banks or open a new you're covered when you sign for a purchase. checking account • You'll 9d 5,000 how&Agintv-the first time you sign for a purchase with your new Capital One Debit Card. • No hidden fees or charges • See 'What You Need to Know" on reverse for additional details. To learn more or to get your card, have your d*ddng account information handy, See details on back and visit us online at wwacapitalone.com/debit1points, or give us a call at Reference code: 1-088-812-6922 JNJZJP3122 To learn more or to get your debit card: 1. Get your 2. Visit 3_ Mention your reference code: dxddrg ink JNJZIP3122 orcRA888-812.8922 Q Q 0 2007 Cap" one services, Inc. Capital One is a Jederay registered service nark 7425161 AN rights reserved. j ease SM 1 7 17 07MG PIAQ 2 0 3 010naole CATHY KRASOVIC 4158 RENO ST NEW CUMBERLAND, PA 17070-1877 12311 Use by Aagm123, 2007 68-7270160 09336 AlyroMe arderof VOID s0 "ars Or'DL'' Rkhm0,,d VA Memo Cardholder Signature /12311/•256072701.7502351262197/ 200245 Y v w z W h 4 v a W1e lee 1 7 17 07041/ PAGE 1 d 1 01S WIG Easy. Convenient. ' NO 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 Uieda * 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, August 29 2007 other transactions and fees doesn't exceed your Credit line. * See back of letter for important informatim abort using these checks. CATHY KRASOVR: 12312 4158 RENO ST pate 68-7270/1S60 NEW CUMBERLAND, PA 17070.1877 09336 Y Use by A%WM 23, 2007 V W U Pay to are order o/ r y VO 1 D x .7 ? pallor9 v o` ow a OdmnamL VA Cardholder swat" /12312/*256072701*7502351262197/ 200215 CATHY KRASOVIC 12313 415B RENO ST Date 6&7=70/1 NEW CUMBERLAND, PA 17070-1977 Y Um by A.VW 23,20M U W v ?Pro?e?7?V O D SCE o? v C-q~0W a Rldrman4 VA Memo Cardholder Sl WWR 7425161 /12313/*256072701*7502351262197/ 500016 M7 PSSST... Capita/ One• does credit cards--and then some! Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle tree! Visit capitalone.com for a complete list of services and 1 to manage your accDUnt online. o')e" (whatY in your wallet?' FINANCE Previoo Bahsre Paymmb a Credib CHARGE Trawrdam New Balmm Nhmm- Pay.M Dee DM 5558.00 520.00 58.55 50.00 5542.55 518.00 Aug. 11,2007 .a. Jun. 19, 2007- Jul. 17, 2007 Page 1 of 1 11SAfF M N IGR 116 ar6un M=1*rCwd Ph6mm AaoW q 5179-0523-7126.2197 C. Lop"actfa Your Accaaa Lfotmmm CDT TOTAL CREDIT LINE $5,000.00 TOTAL AVAILABLE CREDIT $4,457.45 CREDrr LINE FOR CASH ?5 000.00 AA CREDrr FOR C 00 ASH 54;457.45 [ANNUAL nee Periodic a cola chom 575197 0.04062% 14.90% 56.55 ah 50.00 0.06641W 24.24% $0.00 PERCEMAGE RATE applied das Period: 14. Pmrim6 awed" baiaO . Earned fie pariod: Oe9seb aabaaioe P=W &Nmg thm 172 cyck) Avub"e Bahsaoe 1 09 JUL PAYMENT $20.00- 2,066 0 2,066 ® At Yov Service I-100.903-3637 To cA Customer Reiaoom or le report a loot or staka cad: ® Sam Pa3 to: CaP41 Ow Book fi P.O. Boa 70694 fi Chadoae, NC 2627240Y4 e $ atgloo W. Capital Oar fi P.O. Bm 30285 fi Sak L," City, UT 14130-0215 For aeon mformatio6 0o your Rewards: oMposbrewanb CAL 14MO-223-3001 CAL 100-77 -3001 6034 706 1 07 v 070717 PAGE 1 of 2 010"em PLEAaE RETURN PORTION BELOW WITH PAYMENT OR LAO ON TO WW W.CAPITALONE.COM TO MAKE YOUR PAYMENT ON LINE 0 5173052351262197 17 0542550020000016007 Ny whsYinyouralalatY AccourLt Numb015178-0523-5128-2197 Now Balance MlNmum Payment Due Date PMaw prkR addesee or Phone /ststhsr chmeaee tldow ta6ktp khae or bYelc htk. 354255 S18.00 Aug. 11, 2007 A PLEASE LEAST Home Phone Alternate Phone THIS E-mad address a Amount Enclosed t901l972297973S90f NAIL ID NIpREII CATNY KL4SOVIC 4152 RENO ST Capital One tank W22I f NEW a=ER AND, PA 17070-1277 P.O. 2mt 7034 Ye170701E77136'A Charletts, NC 22272-0224 362 2o1341arA 7425161 Please write your account number on your check or money order made payable to Capital One Bar* and mail with this capon in the enclosed envelope. CATHY KRASOVIC 415B REM ST NEW CUMBERLAND, PA 17070-IM ON& Use by Sep6mber 27,2M 100245 12353 68-72701 09469 Y V W Poytotheorderof V Q 1 D r v 7 W h Dotlas = RklunonQ VA (L Memo CardhoWlr Signature /12383/•256072701"7502351262197/ "So soe l 07 17 070717 I-AM 2 •f 2 02ww5e Easy. Convenient. NO lbu 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-bansaction-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, September 22 2007 other transactions and fees doesn't exceed your Credit line. , • See back of letw for important information about using these dlecks. CATHY KRASUVIC 12364 415B RENO ST NEW CUMBERLAND, PA 170701677 Orate 68-7270/25" 09469 k Use by Sep4mber 22, 2007 V W v O D lJ PMyto tAe order o/ W 7 H Q _ DOE= V a C.'tAptMaiQ?- a RldwtOnd vA /12384/'256072701'7502351262197/ 200245 CATHY XJ ASOVIC 12365 4158 RENO ST Dd* 68.7270/2560 NEW CUMBERLAND. PA 17070.1677 09069 v Use by Sepo®ber 22.2007 W _ U Pay.thewdw n I D Q Deems V ' C - Wftk> a r - * &WW10P4 W 7425161 /12385/•256072701'75023512621971 CardhoWw ?6'?c 500828484 • • • • ? lamgc. h..®g ao eamm sl stloo • to consolidate bills, make home improvements or cover unexpected expenses. -+ low, fixed monthly payment -4 No collateral needed -4 No prepayment fee To apply for yaw personal loan. just call 1-900-36969212 today. Offer expires: 10/23107 Reservation Number: Access Code: 0009885-08968383806408 643643 CapMWCW I personal loans" FINANCE Previaar nalece Payermb d Credib CHARGE Ttadacl ORS Nor Bala-c Ll.Mm- Psymara 13- 139. 5542.55 - 518.00 $8.86 + 50.00 5533.41 518.00 Sep. 11, 2007 Jul. 18, 2007 - Aug. 17, 2007 Page 1 of 1 A+ ROM M As u ttr are ARCMT MaslwCard Plaumm Acaamt 5178-0523-5126-2197 Your A=ouM to6osmatim REWARD:' TOTAL CREDIT LINE $5,000.00 TOTAL AVAILABLE CREDIT $4,465. 59 CREDIT LINE FOR CASH $5.000. 00 AVAILABLE CREDIT FOR CASH $4,488.59 [ANNUAL i-a Chrgeu (Pleee see -se for ®portaa info Babe me Periodic Cmmom?eFl/AN applied to role APR CHAR umh- $54216 0.040:2% 14.90% $6.86 ash $0.00 0.066417? 24.24% 50.00 PERCENTAGE RATE Wpied Ihis Parma: 14. ® At Yam Sarvim t-800903-3637 To call Customer Rde mom w to report a lest w sWan card Pre7f4m ff"Al a Nrdoca: 2,066 lyreed Ras period: 0 (relecb eamaClimt pond daring thla bilfi% cycle) Avolahk Balaacc 2,066 Pata, Craft t Adimtmmb I II AUG PAYMENT S16.00- 0 Sod paymeas to Capml Oee Bmk fi P.O. Boot 70884 fi Charlant NC 2827240884 A Seed mquums w. Capital Ow fi P.O. Box 30285 6 SW Lake City, UT 841300285 ® For me khrum6w an ym R-wds: Call: : IaOl 1-800- mmrpo?parvards D•222-300 8.3001 Cal ,Osa Soo 1 07 17 074417 Pa6[ 1 N 1 01JIMM" PLEASE RETURN PORTION BELOW WnM PAYMENT OR LOO ON TO W WW CAPITALONECOM TO MINCE YOUR PAYMENT ONLINE Caplka 0 5178052351262197 17 0533410016000016001 l7? I a4rr's in heur wrBetY Account New Balance twkllmum Payment Due Data NumbeI6178-0523-6136-2197 - Plaw paieC addrsm or Phorm nun*w drngsa below wow baea or Moak Ink. $533.41 518.00 Sep. 11, 2007 A?dfess PLFASEAMA?YUNTLEAST Home Phone ANsnlafe Phone TFI'?,S E-maI< addfess a Amount Enclosed •90230762379733930 MIL ID N Ot C/1Tly LMASWIC 4158 RM ST Capital One lank MBN C MOUANO, PA 17070-1177 P.O. Sax 70811,1 %,42543A Charlotte, NC 28272-0811 %1707018771WA %=720p4847'A 7425161 Phase write your account number an your aleck or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 200a1Ya64 ?N?One personal loans' consolidate Turning numerous high-rate balances into one, easy to manage fixed payment is a smart way to simplify your monthly budget. multiple bills with One A Capital One• Personal Loan can help fixed monthly payment you turn multiple bills into one simple fixed monthly payment that works for you. Capffa ow I personal loans- A Capital One Personal Loan. one simple fixed monthly payment CATHY KRASOVIC, When it comes to simplifying your monthly budget, C-INClHassle you just can't beat a Capital One Personal Loan. features: fea: Consolidate your careen balances on credit cards or other loans into one simple feed monthly payment. Loan amounts from We guarantee that upon approval, your fixed payment $5,000 to $15,000 and APR will never change for the life of the loan. L You can choose a loan amount firm $5,000 to FIXED APR $15,000, with a monthly payment to fit your budget NO Application Fee Its easy and takes just minutes to apply. Call a Loan Representative at 1-800-369-9212, or visit NO Collateral Required www crpitaloneloans.com. Rma•WbM N-b- 0009865-06%8383806408 NO Prepayment Fee &- ,3643 AGema Co Offer Expires: 1WM07 - O lock in your guaranteed fixed rate & payment today! 2 Easy Ways to Apply: U Call toll free 1-800-369-9212 aeP -A nor be abte b arrow W.6" w,ayb b You awrarr aocurr. or visit capita loneloans.corn Resfty* m /: 00OM54)9968383806406 Atria Code: 643643 Cavilra/One I personal loans- 7425161 665. sa 1 07 17 610837 PAGE 2 of 2 Capital One Auto Buying'. sa 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 • exclusive partner dealerships near you. less time at the dealership, a quick buying ? Huge inventory of new process, and a great low price all add up to our and used vehicles CAA0Hassk No Hassle promise when you buy your next car. FINANCE Previma Bdanoe Prymrts a Credits CHARGE Trmacww Near Bdmw Mme- Paymeu Dw Due 5533.41 - S16.D0 59.59 + 5294.42 ;821.42 524.00 Od. 12, 2007 Aug. 18, 2007- Sep. 17, 2007 Page 1 of 1 11FI6F as A leari ac NW f MrtstCmd Plc Ao mmk 5173-0523-5126-2197 Your Accouu Idoam4m ??? TOTAL CREDIT LINE $5,000.00 TOTAL AVAILABLE CREDIT $4,178.58 CREDIT LINE FOR CASH 55,000.00 AVAILABLE CREDIT FOR CASH 54,178.58 Estexn a b Periods CortewaadgCH2GC [ANNUAL ra Chagr (Pkre ar nvese fu rchnea 5567.19 0.054525? 19.90% _ $9.59 rh $0.00 0.06641%P 24.24% 50.00 PERCENTAGE RATE applied to period: 19. ® At YaurSevin 1-800-903-3637 To n8 Curomnar Ralaumt ar to repot a loan or stales and Prarima avail" balosm Ee-d the paiod: (.S.ft tramataora poled Soap ho bdb g cy k) Available Bdatee: 2,066 245 2,311 Payssents. Credits a Adimbnerts 1 03 SEP PAYMENT S16,00- Trm lachms 2 13 SEP BOSCOVS 00000125 CAMP FILL PA $9327 3 13 SEP BOSCOVS 00000125 CAMP HBL PA 57,99 4 13 SEP CVS PHARMACY #1622 Q03 LEMOYNE PA $19.36 5 14 SEP SHELL OB. 57342533509 CAMP FILL PA 524.71 6 14 SEP KMART 4275 MECHANICSBURG PA 5100.09 7 17 SEP CAPITAL ONE MEMBER FEE S49.W ® Seed prymana u: CapNd Ow Book 8 P.O. Box 70834 6 Charlaft NC 29272-0834 e Seed aqurro b CapiLl Oro 6 P.O. Box 30235 6 Sah Lake City, tTf 84130-0285 ® For man k&nwhm m yaw Re-b: . a?iulmacomrpaiun__6 C -3W22L3001 v=_ ® Have a quabas abaa a chop on yar rum..a Rare refer to do JIM" Rigab Sumomy m We back of yaar stun" or . . was da 1 07 17 070137 rNz I ar 2 p1OMp6 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWIr.CAPITALONECOM TO MAKE YOUR PAYMENT ONLINE c0~0WI whar't In yowYAMr New Balance Minimum Payment Due Date 5821.42 524.00 Ode 12, 2007 PLTAWU NT Amount Enclosed T LEAST Capital One Bank P.O. Sax 70861 %4235% Charlotte, NC 2*272-0684 %US2n08S44r% 7425161 0 5173052351262197 17 0321420016000024001 Account NumbeA173.Ob2S4126-2197 Ploo addrw• or pehaaha mosbor drrr6u below wog bhr orblack hhk Addn= Horne Phone AMernafe Phone E-mad addrOSS a 19026276237973596E NAIL ID NURSER CATBY KRASO12C 4159 RENO ST RIM CDISERLAND, PA 17070-1677 %1707013771563/ Please write your account number on your check or money order made payable to Capital One Bank and mail with able coupon in the endoscd envelope. 200245 CATHY KRASOVIC oats 4158 RENO ST 12361 NEW CUMBERLAND, PA 17070-1577 Use by November 22, 2007 68-mo/-2560 0%97 Y v W Payrotheordero/ V I p 5? W H Dollars IK /? ??OM. I,J Richmon4 VA Il Cardholder Memo ct... - /12361/*256072701*7502351262197/ use su 1 07 17 070es7 MACE 2 er 1 Walruse Easy. Convenient. N O0 Yo u deserve hassle-free financial tools. So to make it as easy as TRANSACTIO N possible for you to access your account, we're pleased to offer you these no-transaction-fee Purchase Checks.* You can use them FEE wh erever 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 Purchase Checks come with the same rate you pay for purchases to use these Capital One• Purchase Checks by you make with your card. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. Movembor 22, 2007 • See back of letter for important information about using these checks CATHY KRASOVIC RENO ST 12362 NEW NEW CUMBERLAND, PA 17070.1877 Oats 68-72704S" O%W Y Use by November 22, 2001 U W v PoPto V O L D 5? H Q Z o? v C-N OM- a RkhmonA VA Cardhoma Sian" re /12362/*256072701*7502351262197/ 200245 CATHY KRASOVIC MW 4158 RENO ST oats 65.7270/25" NEW CUMBERLAND, PA i7o7o-irn U. by November 22,2W 09M Y U W I U Fbyto the orderof v! D ? y Q Dalbrs U x CA~C ' a RkAmarA VA 7425161 /12363/*25607270107502351262197/ Cudholder SIpAaRrc Capital One Auto Buying-. w makes car-buying easier. Because you're already a Capital One• customer, you qualify for special, low, No Hassle pricing W ? Low, No Hassle pricing on a huge selection of new and used cars at ? No negotiating needed • exclusive partner dealerships near you. Less time at the dealership, a quick buying ? Huge inventory of new process, and a great low price all add up to our and used vehicles CAbHassle No Hassle promise when you buy your next car. FINANCE Psevrae Bakere Prowas a Crabs CHARGE Transco" Nm Balance Muumum Paymam on Data 53,018.38 - 5690 00 5119.82 57,981.95 54,429.95 5132.00 Dec. 12, 2007 .y Oct. 18, 2007- Nov. 17, 2007 Page 1of 1 nwa au a u,?sr m arnaw, MmbCard Pirtiaan Account 5178-0523-5126-2197 (AIa?M Your Acc0lal Infaarson RawAROs TOTAL CREDIT LINE $5,000.00 TOTAL AVAILABLE CREDIT $570.05 CREDIT LINE FOR CASH $5,000 00 AVAILABLE CREDIT FOR CASH $570 05 FChugo m see wvarse far unpona t of os Ponobc Cd'INAN C o race R _CHARG 43 005315W 1940% $1105 92 00651MW 2374% $5157 E RATE WpbW to period. 44.46 ® At Your Sarvtoe l-800.903-3637 To call Cuswma Rdaboas a o rrpon a 1061 a stolen and Raasrds Summon Preaious ward" bdoma 2,424 . Ew-d fin period. 82 (re0acb trainacuo u paatad dorm On brfiog cy a) Available BaLonca: - 2,506 Pavtnean. Crodm A Aduati nun I 02NOV PAYMENT $60000- 2 12 NOV PAYMENT $90 otl- Ttanisoala 3 10 NOV CASH SOVEREIGN BRANCH CAMP HILL PA $1,90000 4 12 NOV CASH FRONT END PENANCE CHARGE S5700 5 15 NOV RED*WMNW rHN TEL ORD 800-477-MO IN S8195 ® Sad payments o: CWW Oaa Bunk It P O B- 70884 6 Cbakueq NC 28272.0984 Sand inquoun to. A C apdal One fifi P O Baas 30295 fi San Lake Coy, UT 84130.0285 ® an your R-ords Vamaww upWao mmlornnre,rab . Cs11 1-800.22&3001 Have a gtnsuen about a charp m your stalerwa7 Puss rda to the SAM Rrgm Suaaeaiy on the back of your Statement or 6956 404 1 07 17 072117 PACE 1 of 7 0104-54 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOO ON TO W W W.CAPrFALONECOM TO MAKE YOUR PAYMENT ONLINE c°!ra• 0" I maul's In your velar New Balance Minimum Payment Due Date 54,429 95 5132.00 DIG. 12, 2007 PLV„„''ss MMOO 1I IgDULEAST Amount Enclosedd Capital One Bank P.O. Box 70994 %434634 Ckarlette, MC 29272-0884 %=17=14847% 7425161 0 5178052351262197 17 4429950090000132003 Account Numt»r5178-0523-6128-2197 Pinned, prYM a"- - PAN number changles bekm using blue or block k& Address Home PhD" Aftmate Phone E-mad address do #9032275237973SUt NAIL TO NUMBER CATBY KRASMC PO Bunt F NEW CUMBERLAND, PA 17070-0166 %170700166994'.4 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. CATHY KRASOVIC PO BOX F NEW CUMBERLAND, PA 170700166 Tate U. by JW-y 23.2008 F1ZF2Ej 12331 68.727012560 09505 Poytaakardere/ V 0 1 D S? ow Rkhmond, VA Meno /123311*256072701*7502351262197/ "59 306 1 07 17 073227 PAGE 2 of 2 Dorars Cardholder 5'gnature 01011eesa Y v W W Q x u oc a 1A Easy. Convenient. NO Ybu deserve hank-firee financial tools. So to make it as easy as TRANSACTION passible for you to access your accouttt, we're pleased to offer you these no-transaction-fee Purchase Checks.* You can use them FEE wherewer personal checks are accepted to: • Get cash for things you want and need - Use them where credit cards are not accepted • Buy something special Remember 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, January 23, 2008. other transactions and fees doesn't exceed your credit line. * See back of letter for 1mponant infomlaton about using these chedm CATHY KRASOV IC PO BOX F 12332 NEW CUMBERLAND, PA 17070.0166 Doh 68-7270/1560 Um by la0uny 23, 20M 09305 U W = PoY b M. or'de7dV O I D W .7 {n Q oblbrs U ac O . a M Rkbmo,A VA cardholder sisnature /12332/*256072701*7502351262197/ 200215 CATHY KRASOVIC 12333 PO BOX F Date NEW CUMBERLAND, PA 170700166 68-7170/1560 by Im /2560 -y 23, 2008 09505 U. Y W ' U ytiPb Me arde7o/ p p g? LLA Doaors U CaPiftdOne DC a Rk*nan4 VA Memo 5 dh 7425161 /12333/*256072701*7502351262197/ FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,01838 -?; $69000 1,, $11962 1 E $1,981 95 $4,42995 $13200 ?I Dec 12, 2007 1 Oct 18, 2007 - Nov 17, 2007 Page 1 of 1 PLEASE PAY AT IPAA ? N AWa IM A Send inquiries to. Capital One P O B. 30285 Sa8 Lek. City, UT 84130-02&5 ® For more inlortnation on your Rewards. Veit: wow capd lme.carilliokASrwads Cal 1-800-228-8001 2,424 82 2,506 Payments Credits 3 Adjustments 1 02NOV PAYMENT $60000- 2 12 NOV PAYMENT $9000- Transactions 3 10NOV CASH SOVEREIGN BRANCH CAMP HILL PA $1,90000 4 12 NOV CASH FRONT END FEE FINANCE CHARGE $57 00 5 15 NOV RED'WMNWrTHN TEL ORD 800-477-70301N $8195 ® Have a question about a charge on your statement? CapitalO' ( what's in your walleW New Balance Minimum Payment Due Date $4,429 95 $ 13200 Dec 12, 2007 PLEASE PAY AT LEAST IRS AMOUNT please refer N She &&V Rights Swrlmary on the beds of your statement or visit www.taodalone.tnmldrsoufes 6056 505 1 07 17 071117 PAGE 1 of 2 011)M6056 OR LOG ON TO W W W CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE PLEASE RETURN PORTION BELOW WITH PAYMENT 517 Amount Enclosed Account Number. 5178-0523-51262197 Please print address or phone number changes below using blue or black ink Address Ham. Phone Ahemate Phone E ma -d address C Capital On. Bank P.O. Box 70884 Charlotte. NC 26272-0644 7425161 irrirn.,irrrisurrrirri,iur,rirririrria,ir,urriri?,riirrru MasterCard Platinum Account -- - 517&0523.5128.2197 Your Account Information REWARDS TOTAL CREDIT LINE $5.00000 TOTAL AVAILABLE CREDIT $570 05 CREDIT LINE FOR CASH $5,00000 AVAILABLE CREDIT FOR CASH $57005 Finance Charges (please see reverse for erponarn Information) Bala,cerate Peniodc Can rg FINANCE applied to rate A R CHARGE Purchases $67043 005315%P 1940% $1105 Cash $2,557 92 0 06504% P 2374% $5157 11ANNUAL PERCENTAGE RATE applied this period. 44.48% Q At Your service 14 OD403 3437 To cal Custma Realities o torapat a lost orstden card ® Send payments to. Capital One Bank P 0 Box 708114 Charlotte. NC 28272-0884 RewardsSummary-__ Previous available balance Earned this period (rokcis transactions posted dung ft beag cycle) Available Balance #9032276237973598# MAIL ID NUMBER CATHY KRASOVIC PO BOX F NEY CUnBERLAND. PA 17070-0166 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 8052351262197 17 4429950090000132003 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,01838 - $690 00 $11962 ,1' 119 62+1' $1,981 95 $4,42995 231 00 Dec 12, 2007 Oct 18, 2007 - Nov 17, 2007 Page 1 of 1 PIEASE KY Ar LEAST THI .WNITT MasterCard Platinum Account 5178-0523.5126-2197 lfAfO/'?aST?E Your Account Information REWARDS TOTAL CREDIT LINE $5.00000 TOTAL AVAILABLE CREDIT $57005 CREDIT LINE FOR CASH $5,000 00 AVAILABLE CREDIT FOR CASH $570 05 Finance Charges (N ease see reverse to rrparant rn(ama8ani Balance rate Periodic Corespondrg FINANCE applied to rate APR CHARGE Purchases $670.43 005315%P 19.40% $1105 Cash $2,557 92 0 06504% P 2374% $5157 ANNUAL PERCENTAGE RATE applied this period. 44.46% Q At Your service 14MO4103.3637 To CA Customer Relaoons a to report a loci or staler card 0 Serid payments to. Caphal One Bank P.0 Bm 70894 Charlotte. NC 70272MM Rewards Summary Prewar available balance 2,424 Earned this period 82 (reflects tramsadlms posted during Its hirg cycle) Available Balance 2,506 Payments Credits & Adjustments 1 02NOV PAYMENT $600.00. 2 12NOV PAYMENT $9000. Transactions 3 10 NOV CASH SOVEREIGN BRANCH CAMP HILL PA $1,90000 4 12 NOV CASH FRONT END FEE FINANCE CHARGE $57 00 5 15NOV RED'WMNWrrHNTELORD800-077-70301N $8195 A Serid in*ries to. Capital Ore P 0 Bar 30285 Salt Lake City, UT 84130-02M ® For more information on your Rewards. YiA, wew capdakne.mrrilpokdsmards Cal 1-800-228-3001 ® Have a grestan about a Charge on your statement? Please refer to the Boiling rbgMs Summary an the bade of your statement or wsd wiew.raahalorle.com/drecutes. 6056 506 1 07 17 071117 PAGE 1 of 2 01ON6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE Cop";aIltJ7it4 I whit's in your wallet 7" New Balance Minimum Payment Due Date ,429 95 $132 00 Dec 12, 2007 PLEASE PAY AT LEAST THIS AMOUNT 5178052351262197 17 4429950090000132003 Amount Enclosed _ 1 Capital One Bank P.O. Box 70864 Irir.lr.ll,rlr.irll.rl Charlotte. INC 28272-0814 7425161 Ir.Lllydrr.IrllrrrlrrlrllLrrL.LI,JrJrrILrLJrrlL..ll Account Number. 5178-0523-5126-2197 Please print address or phone number changes below using blue or black ink Horne Wane Alternate Phone E-mail address Cd #9032276237973598# MAIL ID NOMBER CATHY KRASOVIC PO BOX F NEW CUMBERLAND. PA 17070-0166 rrrlll.r,lllr.rlr.rill..,Ili.,,r,llrll.rrllr.l.lrrl.l.rrlrr 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 Capital One Auto Buying-to 50011° 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 can at / No negotiating needed ps exclusive partner dealerships near you, Less bme at the dealership, a quick buying ? Huge inventory of new process, and a great low price all add up to our and used vehicles QJA lo Hassle- No Hassle promise when you buy your next car. FINANCE Prcvga Baloce PeympMr B Credit CHARGE T.. Now Babas Mrnoam Payraara D. Deb 54,429.95 - 513200 $87.62 + 5784.37 = 55,189.94 5189.94 Jan. 11, 2008 r}. Nov. 18, 2007- Dec. 17, 2007 Page 1 of 1 Rum w a LIAR 11%ns•xr MaarmCard Pham«e Atooarr gonna i.S?mw 517"23-3126-2197 otwuno fLps_,? Prmas ararlable lulsa;e? 2,506 Earned than penod 746 Your Account Irdaronm RaI1W%1U ' (reeept taorachan potoW drrarg 0u Whrg q de) TOTAL CREDIT LINE $5,000.00 A ahtle Bob— 3,252 TOTAL AVAILABLE CREDIT $0.00 Poma*L Craft t Adiut-eru CREDIT LINE FOR CASH $5.000.00 1 OS DEC PAYMENT s132 00 AVAILABLE CREDIT FOR CASH SO 00 Fxwnw Charges (Phase see ravaru f« rmponow nfo IB Bdoom raft Pandte Corm ANC 2 wphod 10 rate MR -CHARG 3 Prrrbares x641 03 0 053151AP 19 40% 31022 4 Cub $3,966.62 0 06504W 23 74% 37740 5 ANNUAL PERCENTAGE RATE spphed the parrod 22 6 7 At Your Savo 1-900.903.3637 ® a 9 To all Cuttoavsr Rehuara or to report a but or union aces. to ® aw P Y. * so it I I C fi P O Baas 70984 fi Chrlotrs, NC 28272-0a A Sued oqurrar to CapW One fi P O Bo 30265 fi Sak Lake City, ITT 84130.0285 ® I. more urib-saw on your Rewards ???rards Vat- VII 1.8001 your Statemam ar 08 DEC BOSCOVS 00000125 CAMP HILL PA 516423 ® Have a quaram about adwyconyourutuenuarI Phma ruder io dar Bdhrg Right Summary m the baek of 09 DEC BOSCOVS 00000141 HARRISBURG PA $3590 09 DEC XPENNEY STORE 2712 CAMP HILL PA S59 99 09 DEC BEST BUY 00005470 HARRISBURG PA $5720 09 DEC KMART 4479 HARRISBURG PA $34 76 12 DEC SEMUTAS SERVICE CENTS NEW CUMBERLAN PA $26277 12 DEC SILVER SPRING BEVERAGE MECHANICSBURG PA 55276 13 DEC GLENN MILLER BFI LEMOYNE PA $1907 14 DEC SILVER SPRING BEVERAGE KECHANJCSBURG PA $969 17 DEC OVERL1h4r FEE DEC 17, 2007 $3900 -56 soa 1 OF 17 Only FACE 1 rr 2 02=MSG PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W8.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE Cad wOne,I wtwl'sinpurvAwkr New Balance Minimum Paymeelt Due Date 55,189.94 5189.94 Jan. 11, 2008 PL AP ANT,rLEAST Amount Enclosed OU Capital One Beek P.O. Box 70664 35401156 Charlotte. NC 26272-0664 7425161"mm"i''A 5175052351262197 17 S169940132000169948 Account Numbea51784)623-6126-2197 Phew print address or pi , auab•r ebanpss' 1, uskrgbhar or black belt- Addrew Home Phone Akefnafe Mme E maa address to 19035276237973595! RAIL 10 NUMBER CATHY RRASWIC PO BOX F NEB CUMBERLAND, PA 17070-0166 %170700166994;4 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. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $4,42995 -j $132 00$8762 +1 $78437 $5,169 94 $16994 Jan 11, 2008 Nov 18, 2007 - Dec 17, 2007 Page 1 of 1 '/t EAW MAY 4T '.FACT 1MC,aAaiINT MasterCard Platinum Account 5178.052151262197 r?AtO Your Account Information ??.•.• REWARDS TOTAL CREDIT LINE $5,00000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $5,00000 AVAILABLE CREDIT FOR CASH $0 00 Finance Charges (Please see reverse for nportant nformabon) Balance rate Periodic Corresponding RCNANCE applied to rate APR CHARGE Purchases $64103 0 05315% P 1940% $1022 Cash $3,986 62 0 06504% P 2374% $7740 ANNUAL PERCENTAGE RATE applied this period. 22.82 ® At Your Service 1-8110-903-3637 To call Cmtx er Relstors or to report a lost or stolen cad ® Send payments to. Capital One Bare P 0 Bar 70984 Charlotte, NC 29272-0884 A Send Inquiries to. Capital One P 0 Boll 30285 Sea Lake aty, UT 84130-M ® For more information on your Rewards. Yert WNW ®pilalone.cdrvpoinhrewads Call 1-800.228-3001 Rewards Summary Previous available balance 2,506 Earned this period 746 (reeects trarsadians posted tlunng ths being cycle) Available Balance 3,252 Payments, Credits & Adjustments 1 05 DEC PAYMENT $132,00- Transactions 2 08 DEC BOSCOVS 000DO125 CAMP HILL PA $164.23 3 09 DEC BOSCOVS 00000141 HARRISBURG PA $3590 4 09 DEC JCPENNEY STORE 2712 CAMP HILL PA $5999 5 09 DEC BEST BUY D0005470 HARRISBURG PA $5720 6 09 DEC KMART 4479 HARRISBURG PA $8476 7 12 DEC SEMUTA S SERVICE CENTE NEW CUMBERLAN PA $262.77 8 12 DEC SILVER SPRING BEVERAGE MECHANICSBURG PA $5276 9 13 DEC GLENN MILLER BEER LEMOYNE PA $1907 10 14 DEC SILVER SPRING BEVERAGE MECHANICSBURG PA $869 11 17 DEC OVERLIMIT FEE DEC 17, 2007 $3900 Have a question about a charge on your statement? Please refer to the Biling Right Suimmary on the back of your statement or visit view catiodsone.comidisoutes. 6056 506 1 07 17 071217 PAGE 1 of 2 OlDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE Capita/()lIV what's in your waltet r" New Balance Minimum Payment Due Date C5,16994 ( $16994 Jan 11,2008 PLEASE PAY AT LEAST THIS AMOUNT 5178052351262197 17 5169940132000169948 Amount Enclosed Capital One Bank P.O. Box 70884 Charlotte, NC 26272-0884 7425161 itMiriirr?rrrirurrrirririnrrrirri,i,rirrirrunirlir,u,nu Account Number. 5178-0523-51262197 Please print address or phone number changes below rain9 blue or black ink Hone Plane Alternate Phone E-mad address rd #9035276237973595# MAIL ID NUMBER CATHY KRASOVIC PO BOX F NEW CUMBERLAND, PA 17070-0166 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 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $4,429 95-? $132 00 j+I $8762 $784 37 $5,169 94 $169 94 Jan 11, 2008 Nov 18, 2007 - Dec 17, 2007 Page 1 of 1 V'. tACf KY Ar L1A1l n4K AWHAI MasterCard Platinum Account Rewards Summary - -- --- -- --- 51Ta0523.5126.2187 Previ--ous available balance 2,506 NOIl?sle Earned this period 746 Your Account Information REWARDS (rdeclstrarsscaonsposted duhgft bangcycle) TOTAL CREDIT LINE $5,00000 Available Balance 3,252 TOTAL AVAILABLE CREDIT $000 Payments, Credits & Adjustments CREDIT LINE FOR CASH $5.00000 1 05 DEC PAYMENT $13206- AVAILABLE CREDIT FOR CASH $000 7425161 Finance Charges (please see reverse br nnportant info mason) Balance rate Periodic Corresoa+dng FINANCE applied to rate APPR CHARGE Purchases $64103 0 05315% P 19.40% $1022 Cash $3,966 62 0 06504% P 2374% $T7,40 ANNUAL PERCENTAGE RATE applied this period. 22.82% ® At Your Service 14004103-3637 To cal Custma Ralaaom a b repad a lost o<atlen card ® Send payments to. Capital Ore Bark P 0 Box 70889 Chadotts, NC 20272-0884 9 Send inquiries to. Capital One P 0 Ba 30285 Snit Lake City. UT 84130-0285 ® For more information on your Rewards. vim - iPitakre.ca 4-ts-ard. Cal 1400.228-3001 ® Have a question about a charge on your statement'r Transactions _ 2 08 DEC BOSCOVS 000001 25 CAMP HILL PA $164.23 3 09 DEC BOSCOVS 00000141 HARRISBURG PA $3590 4 09 DEC JCPENNEY STORE 2712 CAMP HILL PA $5999 5 09 DEC BEST BUY 00005470 HARRISBURG PA $5720 6 09 DEC KMART 4479 HARRISBURG PA $8476 7 12 DEC SEMUTAS SERVICE CENTE NEW CUMBERLAN PA $26277 8 12 DEC SILVER SPRING BEVERAGE MECHANICSBURG PA $5276 9 13 DEC GLENN MILLER BEER LEMOYNE PA $1907 10 14 DEC SILVER SPRING BEVERAGE MECHANICSBURG PA $869 11 17 DEC OVERLIMIT FEE DEC 17,2W7 $39 OD Please refer to the Billing Notts Summary on the bads of your statement or wsd www.caodalone.mMdsoutes_ 6056 506 1 07 17 071217 PAGE 1 of 2 OlDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE 0 5178052351262197 17 5169940132000169948 Gallon what's m your wallet?" Account Number. 5178-0523-51262197 New Balance Minimum Payment Due Date Please print address our plane number changes below uwng blue or black ink $5,16994 $16994 Jan 11, 2008 Address PLEASE PAY AT LEAST THIS AMOUNT Home Phone Alternate Plane . E-mail address @ Amount Endosed #9035276237973595# MAIL ID NTIMBER CATHY KRASOYIC PO BOK r Capital One Bank NEII CUMBERLAND, PA 1707D-0166 P.O. Box 708&4 LIrr111rrn.dLrdll Charlotte, NC 26272-0664 LrilllrtBill rpill rlllrrrilirlit JiiILDili rlrLJrlrit Lrll Irrltll8111111AhI11191#lllIN lIstill III in It Ilist IAl Jlrltll 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 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $5,16994 $16994 + $9994 j+ $23128- $5,33122 $33122 Feb 11,200 Dec 18, 2007 - Jan 17, 2008 Page 1 of 1 pieaw par ar ??acr nxc .e?wH m r MasterCard Platinum Account 5178.05235126.2197 (AftHassfe Your Account Information REWARDS TOTAL CREDIT LINE $5,00000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $5,00000 AVAILABLE CREDIT FOR CASH $0 00 Inane Charges (Please see reverse for important nfartnabon) Balance rate Periods Corresridng FINANCE applied to rate APR CHARGE Purchases $1,31912 005178%P 1890% $2117 I` Cash $3,990 58 006387% P 2321% $78 71 \ ANNUAL PERCENTAGE RATE applied this Period. 22.59% \lZk At Yw Service 1.800.9033637 To caN Cmtner Nerelws w to report a tort w stolen cad ® Send Payments to. Capi!al One Bank P 0 Bmc 70884 Charbhe, NC 18272-08& Rewards Summary_ Previous available balance 3,252 Earned this period 192 (rdecb baruactlms posted during In bile g cyda) Avalable Balance 3,444 Payments, Credits & Adjustments 1 08 JAN PAYMENT ----- -- $169.94- Transactions 2 24 DEC GIANT FOOD #253 NEW CUMBERLAN PA $6977 3 24 DEC GIANT FOOD #253 NEW CUMBERLAN PA $1135 4 24 DEC GLENN MILLER BEER LEMOYNE PA $3814 5 24 DEC WAL-MART #1686 MECHANICSBUR PA $2786 6 30 DEC KMART 4275 MECHANICSBURG PA $4514 7 17 JAN OVERLIMIT FEE JAN 02,2M8 $3900 A Serid inquides to. Capeal One P 0 Bar 30285 Sol Lake City, UT 84130-0285 ® For more information on your Rewards. Visa vrow captalons.carvpoeasrexads Cal 1.800-228-3001 ® Have a question about a diarge on your statement? Please refer to the Bdrng Rights Summary an the back of your statement or msd www.caodalone conddisoutes- 6056 506 1 07 17 080117 PAGE 1 of 2 OIDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W CAPlTALONE COM TO MAKE YOUR PAYMENT ONUNE C-Pitalo I what's ern Your walks>" New Balance Minimum Payment Due Date C$5,331 22 $331 22 Feb 11, 2008 PLEASE PAY AT LEAST THIS AMOUNT 5178052351262197 17 5331220169940331221 Amount Enclosed C:1?:D Capital One Bank P.O. Box 70664 Charlotte, NC 26272-0664 7425161 irrirurr?rrr?rnrtr?rrirn?Nrt?rr?r?rl?Nlulnrl?lr?r1u1r1n Account Number: 5178-0523-5126.2197 Please pint address or Phone number changes below using blue or black ink Home Phone Alternate Phone E-mail address 9 #9001976237973592# MATL ID NUMBER CATHY KRASOVIC 415 RENO AVE APT B PO BOX F NEW CUMBERLAND, PA 17070-0166 err I111 111111 1 $1m 11 level 11 life 11111 4 111 4 1111111 r 1 min 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 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $5 169 94 $169 94$99 94+1? $231 28 $5,33122 $331 22 Feb 11, 2008 Dec 18, 2007 - Jan 17, 2008 Page 1 of 1 PI EASE MY AT LEAV TIC AI.H A l MasterCard Platinum Account \ 517&0523.51252197 Your Account Information REWARDS TOTAL CREDIT LINE $5,00000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $5.00000 AVAILABLE CREDIT FOR CASH $000 Finance Charges (Please see reverse far Important mformabon) Balance rate Periodic Correspondng FINANCE applied to rate AAPPRR Purchases $1,31912 005178%P 1890% $2117 Cash $3,990 58 0 06367% P 2324% $78 T7 ANNUAL PERCENTAGE RATE applied this period. 22.59% ® At Your Service 1.800.903.3637 To cos Customer Reletiars or m repot a kxl a stolen cad ® Send payments to. Capital One Bank P 0 Bm 70884 Charkire, NC 28272-0884 Rewards Summary Previous available balance 3,252 Earned this period 192 (ndeds transacts-postet during dta tl6g cycle) Available Balance 3,444 Payments, Credits 8 Adjustments 1 08 JAN PAYMENT Transactions 2 24 DEC GIANT FOOD #253 NEW CUMBERLAN PA $69 77 3 24 DEC GIANT FOOD #253 NEW CUMBERLAN PA $1135 4 24 DEC GLENN MILLER BEER LEMOYNE PA $3814 5 24 DEC WAL-MART #1 BB6 MECHANICSBUR PA $2788 6 30 DEC KMART 4275 MECHANICSBURG PA $4514 7 17 JAN OVERLIMff FEE JAN 02, 2008 $3900 A Send inquiries to. capes! One P O em 30285 San Lake City, UT 81130-D285 ® For more information on your Rewards. Vrsd T ww raplaknecw*okASrewads Csr 1800228-3001 ® Have a question about a charge on your statement? Please refer to the Boiling Riots Summary on the back of your statement or -sit www.caafalme =Wdisoutes. 6056 506 1 07 17 080117 PAGE 1 of 2 011)M6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W CAPRALONE COM TO MAKE YOUR PAYMENT ONLINE ?Prt?Uf1C whales I? yap, walk,>° New Balance Minimum Payment Due Date $5,331 22 $331 22 Feb 11, 2008 PLEASE PAY AT LEAST THIS AMOUNT 5178052351262197 17 5331220169940331221 Amount Enclosed C - Capital One Bank P_0 . Box 70684 1111.tl111t11trl1s1111 Charlotte, NC 26272-0664 7425161 11ri1u11111r1ru11111rirul1s11111r1111rar1u111n1111111111 Account Number. 5178-0523-5126-2197 Please print address or Phone number changes below using blue or black ink Address Home Phone Altemate Phone E-mad address @ #9001876237973592# MAIL ID NUMBER CATHY KRASOVIC 415 RENO AVE APT B PO BOX r NEW CUMBERLAND, PA 17070-0166 I rill 11 still 1111811111141111#1111111111 loll III sir 1111111 I II 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 FINANCE Previous Bence Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $5,331.22 $0.00 5104.62 $78.00 = 55,513.84 $513.84 Mar. 14, 2008 Jan. 18, 2008 - Feb. 18, 2008 Page 1 of 1 __ -_-.__.__- MasterCard Platinum Account _._._-_-_ _._,... .'AtiE VAY .YI I?h1Hh n.',{).. •.I 51178.052361262187 You a=mt is are payment Berl Remember Uri makrg you mrwnun payments by the de We A? keens your account n good starKing Further missed payments may be regaled to the rational credit ( Your Acooiirit Itlforn1at1011 p REyy ARDS bureaus So make sure you send n the minimum amunt We to keep your account in good s" TOTAL CREDIT LINE $5,000.00 "Impodanl Wise You axourit was pest due Under the terms we previously disclosed to you, dyw TOTAL AVAILABLE CREDIT $0.00 a=urd is past de again in the net 12 b *g cycbs, Annual Percentage Rates (APRs) may CREDIT LINE FOR CASH $5,000.00 rr revise AVAILABLE CREDIT FOR CASH $0.00 Fllalce Charges (Please see reverse for rryalarnt information) Balancerate Perc& Caresponcig FINANCE a phedto rate APR CHARGE Purchases 51,37313 0a5178%P 1890% X2.75 Cash 54,018.29 0.06357%P 2324% 581.87 AfWUAL PERCBITAGE RATE applied tHs period: 23:2BK Rewards Summary Previous available balance - -- 3,444 Earned this paod 0 Odbds b insWh s posrad arrg ms big qulb) Available Balance 3,444 Xnerft .Cmdits & Al usbtn*itts & At Your S.I.141004063W7 To Cd0.i.-%6hw abn tabdwsb6rTad 0 Send payments to: Cap" Om 8" • P D B. 70884.OEatitY, %28272-MM Sant! kXP Ytles to: aPW O?PD Box 30285• Sit We City, UT 84130M AM& For More lifornmrbn on your Rewards: Vat: vrmv.C**9bnamrJporasame•,1s Cat 1-MZB33MI Have a question about a charge on your stlemdd7 Pbwe refer to the Brkg Rrghts Sunmay m the bwk d you shalenent or vsA www.carbbre orrudsaules Transactim 1 11 FEB PAST DUE FEE - - 538.00 2 18 FEB OVERUMIT FEE FEB 18, 2008 $39,00 You were assessed a past cw ice because you mrmrrn payment was not recewed by the due date to avoid this fee in One hil re, we recanmend that you allow at least 7 busness rays for your mrlmun payment to reach Capital One PLEASE RETURN PORTION BEtDW WITH PAYMENT OR LOG ON TO WW W CAPFTALONE.COM TO MAKE YOUR PAYMENT OMINE 0 5178052351262197 17 5513840169940513841 C4PftW0je v.h,ur_ o„rwaiW1 Account Number: 5178-0523-5126-2197 New Balance Minimum Payment Due Date Please pmt address or phone nunber dvrges below m g blw or black K $5'513Z4 J ( $513.84 ) l Mar. 14, 2008 Adf PLEASE PAY AT LEAST HomePh"v ---- -- - -- THISAMOUNf - 'N6r?N/ePhor?r -- Amount Enclosed ?? ------- -- -- -- -? #9005076237973595# MAIL ID NUMBER CATHY KRASOVIC 415 RENO AVE APT B Capital One Bank ?u?ee???reu?eee?r?eu?? P•0• Box '70884 NEW CUMBERLAND, PA 17070-0166 Charlotte, NC 28272-0864 ?rlr???rlr???eer?rer???eree?e?e) 7425161 ie1iriie,ieleieueeeieririurreieei,irli,rierureirrieeneeru Please write yow account nanber on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date S5,331.22 50.00 F 5104.62 $78.00 $5,513.84 $513.84 Mar. 14, 2008 Jan. 18, 2008 - Feb. 18, 2008 Page 1 of 1 ?- '!AGr WY .ir l?4G "MGA'JJ' `:i MasterCard Platinurn Account 517114823:61129.2197 A Hank Your Account t ( ?! REWARDS TOTAL CREDIT LINE $5,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.OD AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Flee see reverse for niporta i wdorrratrn) Balance rate Perodc Carespon3rg Ft1ANCE anowdto ale APR CHARGE Pu rdwess S1,37313 0,05178% P 18.90% S2275 Cash 54,018.29 0,0M67%P 23241: 58187 A(WUAL PERCENTAGE RATE Wpkd Oft period: 2129X &Mk At Your service 189M9GOW To cd CU.1-%We a"brepot a bdt AIW cad 0 CaSOW POYFODOIS; ID: pW One Bak•PD 9. 70884. awbee, NC W2.M Swul logiibs to: Ckpdel Orr- P 0 9W 30785 • Sat Ldw qty, Ur 840M dft For More k6nnallon on yaw Rmaruls: ijor Vat hw, cgxWbre m Vpor*mwedc Cal I-M223?3(1101 ® Have a question about a charge onyx your sblmrw V Please n#er to the Bi l rg Rghls Sunmay on the back d your statement or verb www.Ga 4aIom ournidwutes Your account saw payrneat bu wit Remertber that makng you mwrnam payment; by the due date keeps your account in good staidrg Further mused payments may be reported to the national credit bureaus So make sire you send n Ife mrnimurn an-N" de to keep your &-=unt in.pod standing "Important hbice Your account was past due t)mder the terms we prevorsly disclosed to you, d your ao=" is past die again n the next 12 bang cycles, your Annual Perceil w Rates (APRs) may increase Rewards Su Previous waWble balance 3,444 Earned the perod 0 Wbct-hn-b- posbd dreg whs birg cyc6) Available Balance 3,444 Payments. Credits Ei Transactions _ 1 11 FEB PAST DUE FEE -- $391p 2 18 FEB OVERLIMIT FEE FEB 18, 200,6 S3D00 You were assessed a pest die foe because yor mwrnun payrnrvht was not recened by the due date To acrd this fee n the fibre, we recommend that you albw at tint 7 business days br your mnwnurn payment b reach Caput One PLEASE RETURN PORTIDN BELOW WfrH PAYMENT OR LOG ON TO WVWV.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONUNE 7425161 ale what,: n?r?ai?r,. New Balance Minimum Payment Due Date $5,513 $513.84 Mar. 14, 2008 PLEASE PAY AT LEAST TMAMOUNr Amount Enclosed Capital One Bank P.O. I I'I ' I II Box 70664 i rr rrr rrr r rr Charlotte, NC 26272-0664 6rIIIII I II I IIJIun6s1r11iu6r111n1of II ra?uIIa a a I 0 5178052351262197 17 5513840169940513841 Account Number: 5178-0523-5126-2197 Please print address or phone number dharga below rang blue o, black ink Addlew Tome Phone Aft&rwte Phvv _ E-mmTaddres /v #9005076237973595# MAIL ID NUMBER CATHY KRASOVIC 415 RENO AVE APT B NEW CUMBERLAND, PA 17070-0166 I 111611 111111 l nrr 111 rr O l r II Please write your a=unt number on your dwdc or matey osier made payable to Capital One Bank and mail with this coupon in the enclosed envelope. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $5,513.84 S513.84?? f I? $89.50 839.00 ' 55,128.50 1 $153.00 Apr. 11, 2008 { Feb. 19, 2008 - Mar. 17, 2008 Page 1 of 1 MasterCard Platinum Account 51TtLOS23bt262197 Your Account bdionmadon REWARDS TOTAL CREDIT LINE $5,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH --$0.00 Finance Charges (Place see reverse for ntportant inbrmabn) Balance rate Perodc Correspond g FMNCE applied to rake APR CHARGE, Purchases S1,Z5401 005178%P 18.90°6 S18.33 Cash S1,99191 00636796 P 2324. S7117 ANNUAL PERCENTAGE RATE apQ?ed dts period: 20.43% j Q AtY.Savke 14004 11IM '7 To cat Otstrw %Wb orb repat a Lot ar stAm cad ® Sad payments to: C piW One 8kW),Wl • P O Sac 70884 • Chatl?, NC 25M-WU Send I ik to: 'fit Ore-P0 Bak 3M- SetLale Cty, UT 841JUM ® For More bformallon on yaw Rarards: Vst. twSw.captiabremorn0oanisrewerris Cat 1-MZB30DI ® Have a question abort a charge on your statement? Please refer to the Bdku Rghle Summary on the back of your sb& nent or vest www.caOdabne cpa ddxwtes r._ Ty AT I ST THIS.wot.u Rewairds Summary Revers avaieEle balance 3,444 Earned Bss perod 0 #db* hn-bone poGW dung ft h" crb) Amla)le Balance 3,444 Payntatts, Credits Et Adjustments 1 29FEB PAYMEPIT 520000- 2 29 FEB PAYMENT S200 n 3 07 MAR PAYMENT $11384- Transactions 4 17 MAR OVERLIMIT FEE MAR 17, 2708 S390D Your account has gorse over is crack lend. To avod adiroral overlrth lees, please parr enough to bang your balance balm your credit Imd unmedately, and make we you rem sn babor your aecit tend Please be sure to account for arty fjkre purchases, fees, and finance charges Lodag to purchase a new horn? Capdal One can hep We urderstadyour Ambon is uqe and our lean of o paarred profassronale wd help you pick the rot mortgage to ft your meant; Yor71l have the oneontre atterton of the sane personal ben consultant from call to close Vml www caotlabnono eloons.com for more tnforrrabon Cantal One is an Equal Houag Lerch PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVVW.CAPLTALONE.COM TO MAKE YOUR PAYMENT ONLINE 7425161 0 5178052351262197 17 5128500113840153003 Account Number. 5178-0523-5126-2197 New Balance Minimum Payment Due Date Please print address or phorne nunber a,arxws below ustrng bkw or bLadc ink ( $5,128.50 C5153.00 Apr. 11, 2008\ Addgw -- ---? E.? ---------------- PLEASE PAY AT kFAST Home Hrorre Attewtate Axone --- TMAMOUNT - - -- - Amount Enclosed #9007876237973596# MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B Capital one Bk(USA),NA NEW CUMBERLAND, PA 17070 P.O. Box 70884 1 Charlotte, NC 28272-0884 1111 lull i'?7111IIN'llll ll lr'r' It I I I I I I ruI n I I n n I I I r 11111 A n t 11n?u?n??u?u?n Please write your account number on your Check or money order mace payable to Capital One Bk(UW,NA and mail with this coupons in the enclosed envelope. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $5,513.84 - $513.84 * 1 $89.50 + 539.00 $5,128.50 5153.00 Apr. 11, 20081 Feb. 19, 2008 - Mar. 17, 2008 Page 1 of 1 ?- I- ASE -,:T IfJSr N I ;-N- Madel-Card Platinum A=sia ? 517 8-0523 612 6 2197 A ua55te ( Your Acwuntbdiormadon ! REWARDS TOTAL CREDIT LINE $5,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 Fnattee Charges (Please we reverse no mporlart rdorrrre" Balance rate Fero& Cm%pon3g FINANCE *pled to rate APR CHARGE Puctases SIZA01 0.05178%P 18.90% S1833 Cash $3,991.91 0.06367% P 2324% $7117 ANNUAL PERCENTAGE RATE appled this perlocl: 20.43% © AtYouTServke 1004103.= Tocei Owbma ReWnsorbrepot a be-ble card ® Send payments 6e: Ceptel One Bk(115A),NA • P O B. 70884 • Chwbde, NC 28712 884 A Sand Inquiries bD: C4*11 Ore- P O Boc 30195.501 Ldw Cary, Ur 841300286 ® For More Yrfonnallon on your Reoards: Vey: Wow capftwv'=orAaewads Wt tAOD-ZE- 00f ® Have a question about a charge on your stabusent? Please refer to the B1kg RKjts Summary on the laic of you statwne.d or vet www caoilobne,cpWdsoutes Rewards Summary Prevous amiable behnoe 3,444 Earned he perod 0 freFYtKC barr?chcnc Panted dmg Bas t>iug rycb) Avakde Balance 3,444 Payments, Credits a Adjustments 1 29 FEB PAYMUIT 520000- 2 29FEB PAYMENT 520000• 3 07 MAR PAYMENT S11384 Transactions 4 17 MAR OVERUWT FEE MAR 17, 2XB 539.00 Your account tux gore over ds credit lend To avW adrihorral overknd fees, please pay er ugh to bmg your bad below your aedl lend mmedetey, and make we you rerren below your aeciit lend Please be sure to accost for any (sure purchases, fees, and berm charges LOolartg b purchase a new hone? Capdal One can help We uclerstand your stLeborl s u clue and our Warn of e)? professorvis wil h-* you pck the rUh1 rnaigage to fit your neede Yan have the ore-onme attenton of the same personal ban ommitant from call to close Veit www captWoraharnelcarls.com for more nfurralcn CEplal Ore is an Equal HousFU Lender PLEASE RETURN PORTION BELOW WfrH PAYMENT OR LOG ON TO NNNN.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE eap"aie" whar ", ,??, v a b<,. New Balance Nkndnam Payment Due Date l $5,128. ( $153.00 I Apr. 11, 2008 NIA%PAYATU5W ?- THISAMOUNT Amount Endosed 0 5178052351262197 17 5128500113840153003 Capital One Bk(USA),NA Ir?rrftrr????trsrr?r?? P.O. Box 70664 Charlotte, NC 26272-0664 7425161 irriru,rirrri,urrrini,m,rrirriri,rierirrnrtirrinurrrii Account Number: 5178-0523-5126-2197 Please print address w phone number dwyes below using bier or black ink Addles Hare Fhom A7annate phol P -- ------------ E,maaad&ve #9007876237973596# MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B NEW CUMBERLAND, PA 17070 Please write your account nwnber on your check or money order made payable to Capital One Bk(VSA),NA and mail with this coupon in the enclosed erlve;Dpe. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment $5,128.50 -! $0.00 $116.12 +t $456.76 - 55,701.38 $324.00 Mar. 18, 2008 - Apr. 17, 2008 Page 1 of 2 MasterCard Platinum Account 517906236126.2107 //as* A/ ( Your Account Information ! REWARDS TOTAL CREDIT LINE $5,000,00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDrT FOR CASH $0.00 Finance Charges (Please see reverse for rnpalad information) Balacerate Pen is Cwespon3g FINANCE amptedto rate APR CHARGE Purchases S1,42401 006M%D 2515% 53042 Cash 54,01248 OOBWb D 2515% $9570 ANNUAL. PERCENTAGE RATE applied this period: 25.15% At Y.Servke 140680MM TocadOudmw Pebaa t)repota WwtAAncad 0 Sad paymers le: CpNI One B,(M),NA- P O Boer 70884.Owbrte, NC 28272-0884 i.1f W.V ,111.1 FS'' 116 ?'.A?) ",I Due Date May. 12, 2008 Your account s one paymerd behind Remerrbw that makng your mnmw payments by the due late keeps your accamt in good stardrg Further moved payments may be reputed to Ilie national credit bureaus So make sure you send n the mrnmum aLxx" de to keepyour axarit in pW standng Rewards Summary Previous available balance 3,444 Earned ft period 378 (renkcis traroaAow wiled dung this pig cyc6) Forfeted this period 378• Avaleble Balance 3,444 Payments, Credits & AdiustmeMs Transactions 1 24 MAR TURKEY HILL #0091 (159 LEM011TE PA S2463 2 20 MAR SMOKERS EXPRESS #1404 PEW CUMBERLAP1 PA 554.80 3 29 MAR GIANT FWD #253 NEW CU BERi.AM PA S41.22 4 29 MAR GIANT FWD NZ3 NEW CUABERIAN PA 58327 5 29 MAR WEIS MARKETS #125 SHD CAM' HILL PA 5150.37 6 10 APR AMOOO OIL 06887392 LEMOYNE PA S2447 7 11 APR PAST DUE FELL 539.00 8 17 APR OVERLIMIT TEE APR 17, 2008 53900 UT 84130-0186 Under terms previously drsdosed to you, sorre or all of your Annual Percentage Rates (APRs) have been i c-eased si ce your account was past de twice it the past 12 oiling cycles If your rates have already Ift ?: rc2ased, subsequent deigrenaes extended the drab:)n of ffe increased rates Rernernber If we your statement? Your account has gone over its credit int. To avoid adihorral over" fees, please pay enough to pug mary on the bad( of you Please refer to the Billing; Rd* Sum your balance below your credit lend mmileaad make sue . you remain below you crak knit dsputes; Please be ere to account for any future purchases, lees, and fie ce charges RTION BELOW WITH PAYMENT OR LOG ON TO WVVW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 5178052351262197 17 5701380113840324009 New Balance Minimum Payment Due Date $5,701.38 $324.00 May. 12, 2008 NEAK PAY AT LEW THIS AMOUNT Amount Endosed Sad irqulrles 11111): c?mna?PO aox3tnrr?setL? city, For Mae fnfomra6ar on your Rena Veit receive your mnmum monthy psymad on time for 12 consecutive oli g cycles, the account will be . rmwce>piabrre.mrJpwdseea? Cat 1?00.218 revewed to a possible return to your Ncr> InYOdtcro y APR 300f Have a question about a conga on stat„wtrenl a veil www.caotakxe.oan/ PLEASE RETURN PO QwftwOne' what s:n inur hot" Account Number: 5178-0523-5126-2197 Please print address or phone number charges below using blue or black ink addles Home Plio m Atevmte Ahvrx -- £-mm7ad rm p #9010976237973599# MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B NEW CUMBERLAND, PA 17070 Cap Ltal One Bk(USA),NA ?r?rr?rrr??rr??rrr??r? P.O. Box 70864 Charlotte, NC 26272-0664 7425161 irririir,6rrirurrrirrirnirrrirririrrirri,riirrirri,rii,r,ii nr 11611 ll in1611 116111 lr 1, Please write your account number on your check or money order made payable to Capital One Bk(USN,NA and mail with this coupon in the enclosed envelope. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 55,128.50 - $0.00 + $116.12 J r f $456.76 _ $5,701.38 1 $324.00 May. 12, 2008 Mar. 18, 2008 - Apr. 17, 2008 Page 2 of 2 1 MasterCard PWnurn Account 517&05235126-2197 Your Account Information REWARDS TOTAL CREDIT LINE $5,000.00 10 I AL AVAILABLE CREDI I $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 -... nst ws :.r a ns? 'Nrc n'.+o •, ? You were assessed a pest due fee because your mrwnum payment was no( mowed by the die date TD wW ft fee n the (ulna, we ra=nmer d that you allow at least 7 busness days for yaw mnimun payment to each CapU One 7425161 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 55,128.50 - 50.00 + ( 5116.12 ( 5456.76 - S5,701.38 $324.00 May. 12, 2008 Mar. 18, 2008 - Apr. 17, 2008 Page 1 of 2 MasterCard Platinum AccaRt 5178-0523612Q-2197 ?/?S? ? Your Atxountlydbrmadon REWARDS TOTAL CREDIT LINE $5,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH $5,000.00 $0.00 F1n4311Ce Charges (Place see reverse for ntportart information) Bahrce rate Periods Carespo td g FINANCE applied to :ate APR CHARGE Purchases $1,42401 005M%D 2515% S3042 Cash 54,012.48 005B90% D 2515% S8570 A?fNUAL PFRCBRAGE RATE applied this period: 25.15% AtY.Service 14D0000-= To cat Caletana lkts or to report a bat or AA. card 0 Said paytnerb to: Capital One Bx(M),NA • P 0 Bon 711894 • Utarbtie, NC 26772-0884 A send brqufrks, W: CgAd DW PO Sox 3M- Sit Lale City, Ur 841MZ286 For Moue ktforpalon on your Rewards: Yet: vmw capimbrem rpataeweds Cat tJ10 Z5,300t ® Have a question about a charge on you' sfatament? Please refer to the Btlirg Rob Summary on the back d your stated a vtst www.xapdabne.oahoispute-s Your -account is on payment behind Remember that mal ng you mnmun payments by the due date keens your account in good standing Further missed payments may be reported to the nalrMBl crecit bureaus So make sure you send n to mnmum amount due to keep your acsoutt in good star&kj Rewards Summary -- ---__-- Prevlots available balance 3,444 Earned this period 378 lydbds trarwgons poelad drae tss big mb) Forfeited the period 3715- Available Balance 3,444 Pamlents, Credds 81 Adlua6rwrtts Transactions 1 24 MAR TURKEY HILL N0091 CB) LEA4OYNE PA 32463 2 26 MAR SMOKERS EXPRESS 91404 NEW Cl1ABERLAN PA S50D 3 29 MAR GIANT FOOD #253 NEW GLJ BERIAN PA S4172 4 29 MAR GIANT FOOD #253 NEW CUI BERLAN PA 58327 5 29 MAR WEIS MARKETS 1x125 SHD CAMP HILL PA 5150 37 6 10 APR AMOCO OIL 06887392 LEMOYNE PA S2447 7 11 APR PAST DUE FEE 53900 8 17APR GWRUMIT=EE APR 17, 2008 53900 Under temp prevcusfr dsclosed to you, sane or all of your Annual Percentage Rates (APRs) have been rcreased since you account was past dire twioe in the pod 12 billing cycles Ifyou rates have already ncmesed, subseque t dekgenc es extended the duration of the increased rates Re rerrteer If we receive your mrtmum rnorthy peyntert on Ime for 12 consecutive billing cycles, this account will be reviewed fa a possble rehrn to you NonrIntnodtcNry APR. You a=unt has gone over is as& hint To avoid additional overkrat fees, please pay ercugh to brig your belaxce bean your credit limit mmec atey and make we you reran below your credit amt Please be sure to account for any fAxe purchases, fees, and frtarce charges PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VV WV CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE C-Pi"One whale:,;-,w,JiW New Balance Minimum Payment Due Date 1 $5,701.38 $324.00 May-12, 2008 J 'LEA5E PAY AT LEW THISAMOUar Amount Endosed -? 0 5178052351262197 17 5701380113840324009 Capital One Bk(USA),NA 'rlnl11r??t r??nr?'r' P-O- Box 70664 Charlotte, NC 26272-0864 7425161 irliliilrinrirn111i11iruirrriniai,riarit1ii11i1ri1riilrlu Account Nkirnber 5178-0523-5126-2197 Please print address w phone nu nber dwiga s below using blue or black irk PParrte Phom A1&WVeRVRe - Earwi7addres #9010976237973599# MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B NEW CUMBERLAND, PA 17070 1 r n 111 111 111 111 1 111111111111111 Please write your account number on your cited( or money order made payable to Capital Drre Bk(USA),NA and mail with this coupon in the enclosed envelope. FINANCE PreAws Balance Payments & Credits CHARGE Transactions New Balance Minimum Paymert Due Date 55,128.50 $0.00?? + j 5116.12 !+i, $456.76 55,701.38 i $324.00 r May. 12, 2008 Mar. 18, 2008 - Apr. 17, 2008 Page 2 of 2 l MasterCard Platimn Account 5178-052351262197 ?/Ha SSle Your Account hfor 1at10f1 Q . REWARDS TOTAL CREDIT LINE $5,000.OD TOTAL AVAILABLE CREDI1 $0.00 CREDIT LINE FOR CASH $5,000A0 AVAILABLE CREDIT FOR CASH $0.00 :" Alf WY :?f 1?A5"Nh >'.,i) ':1 You were assessed a pest clue fee because your mrmum payment was not receved by to clue dale To avod the fee n the futue, we recommend that you slow at least 7 busness days for your mrnnurn payment to reach Cap" One 7425161 FINANCE Previous Balance Pawwft & Credits CHARGE Transactions New Balance Minimum Payment Due Date S5,128.50 I - i $0.00 * 6116.12 * $456.16 $5,70138 $324.00 May. 12, 2008 Ylar. 18, 2008 -Apr. 17, 2008 Page 1 of 2 Mas6afaM PlWmffn Accent 5178.OSZ35128.2117 (fYOHbssle Q Your Account Information REWARDS TOTAL CREDIT LINE $5,000.00 TOTAL AVAILABLE CREDIT E0.00 CREDrT LINE FOR CASH $5,0W.00 ,AVAILABLE CREDIT FOR CASH $0.00 ? FlltanCe Charges (Please see reverse for nr wlart r*xmabon) Balance rate Penodc Correspordfg FIKVICE applied to rate APR CHARGE Purchases 51,42401 006890% D 25151% 53042 Cash S4,01248 006890%D 2515% 58570 APMtAL PERCENTAGE RATE applied this pennon 25.15% Q At Your Semite 140680(JW rocdOsbaw Reibcm a b report a tort or *M cad 0 Serd payments to: 3wU Ore DIQUSA),N4 • P O Dm 70084.OabUe, NC M272AU A Send knWdes to, Capial Ore• P 0 Bom 3Q85 • SA We Cily, LIT 84nMM AOA For Morairf wAtim on your Rewards: V. -*oliIlnoard, Cat 1403 Nave a queetion about a charge on your sbtemeriCt Please refer to the Bi4ig Rights Summary on Bar bade of your sfatsnent or vtsd www.mwtalome.caNdsaRes r-??sc yr,Lr .?nsr *Ha .lro_?rr Your w-Ant s one payment behind. Remertbe ttral makrg your mnmum payments by the da date keeps your account n good standing Further moved payments may be reported b the rational credit bueaus So make sue you send in the minimum amount de to keep your w-=wt in pod standing Rewards Summary Previous avaNble balance 3,444 Earned Ore penod 378 (relbdstrsrcWb-posbc Burg If- dig qcb) Forfeted the pared 378- Available Balance 3,444 Pavments. Credits & Adiustmerlts Transactions 1 24 MAR TURKEY HILL Ii0D91 0189 LEMDYNE PA S2463 2 2fi WAR SMOKERS EXPRESS #1404 NEW CUMEIERL*J PA S5430 3 29 MAR GIANT FOOD #2531 JEW CUvEERI /NJ PA S41.22 4 29 MAR GW IT FOOD #Z3 hJEW CUMBERLAN PA S8327 5 29 MAR WEIS MARKETS #125 SHD CAMP HILL PA $150.37 6 10 APR AMOCO OIL CBBB7392LEMOYtEPA 52447 7 11 APR PAST DUE FEE S39,00 8 17 APR OVERLIMT FEE APR 17, 2008 53900 Under tams pre+ousy dscbsed to you, some or all of your Anne Percentage Rates (APRs) have been increased since you account was past d us Mice n Ina past 12 big cyc6s if you rates have already n creased, subsequent d)krquencres ex? the drabon of the messed rates Remember If we rectwe your mrwnm month/ payment on tome for 12 conseaM'e burg cycles, 0as account will be !nvlLved for a possible return to yo z hJoMntrod story APR You ascend has gore over ds credit knd To word adiDaal ovalind fees, please pay enough to bring you balance below you credit Imd mmlatady, and make sure you reran bebx your aedt Imd. Please be sue b account for any faire pastries, fees, and manse charges PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VW WV CAPIrALONE COM TO MAKE YOUR PAYMENT ONUNE 0 5178052351262197 17 5701380113840324009 Account Number. 5178-0523-5126-2197 New Balance Minimum Payment Due Date $5,701.38 J $324.00 May. 12, 2008 PtfASE PAY AT LEAST THIS AMOUNI Amount Errdosed Capital One Bk(USA),NA IL?)i?N)??tt??N)??r) P.O. Box 70664 Charlotte, NC 26272-0664 7425161 111III'III111'1"Il r 611 a 111111111111111 111$ '11IIII'lll" Please pmt address or phone number Barges below Laing bk e w black ink. #9010976237973599# MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B NEW CUMBERLAND, PA 17070 I n1161Tlllnnl,n 11111 nla 1, Please wrte your amount number on your dietk or money order made payable to Capital One Bk(USA),NA and mail with this coupon to the enclosed envelope. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 1 t l M $5,128.50 -? 80 00 + ` 8916.12 *{ 8456.76 55,701.38 $324.00 ay. 12, 2008 Mar. 18, 2008 - Apr. 17, 2008 Page 2 of 2 MasterCard Phdnum Acomi 5178-05233126-219/ ? Your Amunt Information C HaSSle You were assessed a pest die fee because your mnn m pay mt was not mcewed by the due date To REWARDS amid ft fee n the future, we recanmerd tat you how at least 7 hmiess days for yon mmrmun TOTAL CREDIT LINE $5,000.00 payment to reach Caphd One TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 7425161 FINANCE Previous Balance Paynwnls 8 Qedi4s CHARGE Trairmactiorss New Balance Minimum Payment Due Date $5,701.38 $0.00 S119.20 $18.00 S5,898.58 1 j $$500.00 Jun. 11, 2008 l Apr. 18, 2008 - May. 17, 2008 Page 1 of 1 MasterCard Platinum Account 5176-05273ffi2IlT / Has le Your Account Information C R! s TOTAL REVOLVING CREDIT LINE $5,000.00 TOTAL AVAILABLE REVOLVING CREDIT $000 CREDIT LINE FOR CASH $5,00000 AVAILABLE CREDIT FOR CASH $000 Mani Charges (Please see reverse for mportard information) BeHnce, rate Periodic Conespondrg FINANCE applied to rate APR CHARGE Fudwes 51,658.85 005B90%D 2515% 53450 Cash S4,OB706 O00M D 2516% SB47D ANlRlAL PERCENTAGE RATE Wpfed Uis period: 2515% © AtYourS.Ice 18004033037 T. call Q tmw PAWS ur b report a bat or abler uad 0 Send payments b: Cepsd One BIQl12iA),NA • P D Banc 70884 • ()rrdne, NC 22fMR M Said lngrdrfes to: Cq"DrwPD Bic 30226- Salt LdeOly,In84130-0185 AgWA For More hrho.. n on your Rewards. Vat nwwnacarVpordservads CA 180D-2ffi3001 ® Have a question abort a dirge on your statement? Please refer to the BdWg RK}ts Summary on the beck of your siaferrent or vst www.c apkilone.oaWdsoutes ?'?A>f WY :II l.A.' 11M1 Ia,) .I You're Wu d ley two payments LeCs talk R you're haArg financial cliffmiti s and can't make your rn"mun oWnent - we want b * Lets work together to find a solution Rewards Summary Prerias available balance Earned to period (re19c1eherrahone ptxbd drip rm blrg o/ob) Available Bahr>ce Creliii5 & kiwitments ftgnents, Transactions 3,444 0 3,444 1 12 AMY PAST DUE FEE $39.00 2 17 AMY OVERLIMIT FEE AMY 17, 2006 S 13.00 Under berms prevnous)y disclosed to you, same a al of your Annual Perc eriage Rates (APRs) nave been mewed nice your account was post due twice in the past 12 bi ng cycles tf you rates lave already Increased, subsequent defnganaes exterded the dUab an of the ncreased rate; R.anernber if we receive you mnrnum mont* payrnert on 4me for 12 cormcubwe Wig cycles, the accounl will be renewed for a possiole return to your Nm-Introductay APR Your a=unt has gone ores is credit hind. To avod addtorral over" fees, please Fury errxgh to bi M your balance below your credit hind mmedelety, and make sure you rwmn below you, aedt hind Please be sere to account for any future purchases, fees, and finance charges You were assessed a pest de fee because you wwrrrn payrrret was not received by the de dale To avoid h s fee in Be fubre, we recommend that you allow at least 7 busness days for your mr noun payment to reach Capdal One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W410V.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 4!CapnitalOje what's ,-r-1W' 0 5178052351262197 17 5898580113840500003 New Balance Minimum Payment Due Date 89%8 $500.00 Jun. 11, 2008 PLEASE PAY AT LEAST THtSAMOUNT Amount Endosed Capital One Bk(USA),NA ?tlrr?rn??t??rnr??r? P.O. Box 70664 Charlotte. NC 26272-0664 7425161 11111111111111111111 111 111 1111 oil Account Number: 5178-0523-5126-2197 Please print address or phw number dunges below using blue or black ink Aatk? HumeflIvne --- Aftercare FImm .._-- E-marl aoffiess a #9013976237973596# NAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B NEW CUMBERLAND, PA 17070 Please write your account number on your died( or money order made payable to Capital One Bk(USN,NA and mail with this coupon in the enclosed envelope. RNANCE Previous Balance Payments & Credds CHARGE Transactions New Balance Minimum Payment Due Date 55.701.38 -! $0.00 +i $119.20+? 378.00 ; 55,898.58 $500.00 Jun. 11 2008 Apr. 18, 2008 - May. 17, 2008 Page 1 Of 1 MasterCard Plahnurn Account 51794=617621W Your Account Infonnation REWARDS TOTAL REVOLVING CREDIT LINE $5,000.00 TOTAL AVAI ABLE REVOLVING CREDIT $000 CREDIT LINE FOR CASH $5,000 00 AVAILABLE CREDIT FOR CASH $0 OD rMnanee Charges (Please see reverse for apolant mfurnotm) Balance rate Perodc CaresporK4 FINANCE applied to rate APR CHARGE Purchases S1,66885 006880°.6 D 2515% $3450 Cash S4,09705 006890%D 2519"% SB470 ANNUAL PERCBffAGrE RATE appkdOft period: 2519% AtYom3,rvice 18oDMMM To CA Qnbrra R.M-or'b report n Est or sb6n and 0 Saw payments as: Cap" One WJSA).NA • P D Bak 10884 • Charbae, NC 28MMM Saw h rik n to: :!Wtel Ores P D Bx 38285 - Sat Lire Oty. UT 84130.0'186 gft For More Into " n eoon your Rewards, Visit wnw.wpial r .WWportvamIds C8l 1.800.228.3001 ® Nave a question abort a charge on your slahmme t? Please refer b the BAkg Rghls Sunmaryon the beck of yotr statement o (volt www.caoilabne orn/asrwtes ?'A'.r W,Y :ri lr A? "HR n'si).I YoUre beiand by two paMents Lis L* If you're hawV iren',xal affrupes and can4 make your mmnmum payment . we want to hep. Leis work togettef to fad a sokubw Rewards Summary -- _-- Prevous avalift balance 3,444 Earned the penod 0 0 el6cls lraneasom pDNed dump ors b&V cF6) Available Balance 3,444 Payments Cred'd_s d{ A4_u_stments Transactions 1 12 MAY PAST DUE FEE 539.00 2 17 MAY OVERUMIT FEE WY 17, 2008 S3D00 J xiff hurts prevrousfy dislimed to you, some a al of your Annual Percertage Rates (APRs) have been mramedsnce your axonl was past the twee in the pest 12 Mktg cycle Vyour rates have already 'creased, srbeagert dalinq )aloes aferded the drabon of Ve'creased rates Ranerri xN If we racelve your mromum nor" pepwrt on 1ma for 12 conseatwe birg c)cks, Vas account wA be renewed to a possble return to your Norrlntrodicbry APR. Your account has gore over b neat Imt. To avod adihonat o erfrnA fees, please pey enough to bug your balance bebw your aexft ImA mmedB". and make sure you rerraart bebw you neat hmA Please be sure to accord for any future purchases, fees, and firemen charges You were assessed a pest de fee because your mrrnm peyrrert was net ravened by the ore date To and this fee n the ftAue, we recanmend that you allow at least 7 bLwms days for your mrrmn in payment to reach Captal One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO "NM CAPITALDNE COM TO MAKE YOUR PAYMENT ONLINE 0 5178052351262197 17 5898580113840500003 Otie' wnatc, yvwr aaikn Account Number. 5] 78-0523-5126-2197 New Balance Minimum Payment/ Due Da* please print address or prone r= r daana below usrny Whe or black a* 1 $5,898 ( $500.00 Jun. 11, 2008 "°&ew IML45E PAY AT LDY Horne Ftvm A7remvre Phone THISAMOUNf - - - -- - £,nrar7adiess Amount Enclosed ?D #9013976237973596# MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT 8 Capital One Bk(USA),NA 111rr1rn11r11rpoll III NEW CUnBERLAND, PA 17070 P.O. Box 70664 Charlotte, NC 26272-0664 I111"I111"IIIIIIellilllllllllI 7425161 irrirur,ireririirrrirrirmrrri,riri,rirr?,riir,?rrt,r?inru Please write your account nuuttler on your dcedk or money order made payable to Capital One Bk(U$N,NA and'nail with this coupon in the enclosed envelope. Previous Balance Payments 3 Credits FINANCE CHARGE Transactions New Balance Minimum Payment - Due Date \ ?- -- - - - $5,701.38 -I $0.00 * S11920*I $78.00=i $5,898.58 $500.00 Jun. 11. 2008 } Apr. 18, 2008 - May. 17, 2008 Page 1 of 1 _. -?\ I`_?M1i: 1'!nT .LM1R "N6 .JJp..'Jr MasterCard Platinum Account You're bound by two payments Lets talc If youYe h wng finaawal d1fcWles and cant maize car 5178.0373512521>f7 (A,!Hassk minimum payment - we want to help Let' work together to find a sokAan '.. Your Account klforntallon REWARDS' Rewards Su m ixtry TOTAL REVOLVING CREDIT LINE $5,000.00 Previous avei#Ikbalarx 3,444 TOTAL AVAILABLE Eansi this period: 0 REVOLVING CREDIT $0.00 (relbcbtant -era posted drug the pig cycb) CREDIT LINE FOR CASH $5,000.00 Avai6We Be+f3ruoe 3,444 ?AVARABLE CREDIT FOR CASH $0.00 / France Charges (Please see reverse far important miliormation) Baler= rate Penodc Correspardiry FINANCE appied to rate APR CHARGE Puahases S1,6M,85 0089M D 2515% $34.50 Cash S4,097.65 0066B9D%D 2515% $8470 AMIINL PL7tCE7rTAGE RATE apptfed /fits period: 25.15X Q AtYoLrSe4vke 1141111018041M Toca Qabner I&iruons or b report a bat or swim cad 0 Send payments b: 0wial Ore WUSA),NA • P 0 D. 70884 • awbov, NC 2927244 ® Send kK drksfa: OwWi OrrP0 Bm3)285•Sal Ldw Qty,Ur8413002&5 AOA For Minn kdomntlon on your Rswardc: Vet. ~cwi bnecmVpmtaefirds Cat l-ttW- &30)1 ® "we a yuation abod a charge on your stabilaW Pie refer to the Big Rghm Summary on he back of your Statement or visit www raD&1bne a fl`AJMdes Payments, Credits &Adlustments Transactions 1 12 MAY PAST DJE FEE S3900 2 17 MAY OVERLIMT FEE MAY 17, 2708 S3930 Jncter terms previously disclosed to you, some or all of your Amin Percentage Rates (APRs) have been naeesed since your account was past de twice in to past 12 big cycles 8 you rates have akeedy increased , subsequent delrq)encies extended the duatbn of the increased rates Remember' If we receive your mnmun monthly payment on time for 12 consecutive tiling cycles, has account will be reviewed for a possible rehin b your Non-Inhod ckxy APR. Your account has gore over its credit lint To wW adithoral ovedimt fees, please pay enough to brag You balance below your aedt lint immediately, and make sure you remain belm your credit lord. Please be sue b account for any fibre purchases, fees, and frame charges You were assessed a past de fee because your minimum payment was not recce by the due dale 10 wW the fee n the Wt re, we recommend that you allow at least 7 business days for your murmun Payment breach Capital One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO- W WV CAPITALONE CON! TO K4AKE YOUR PAYMENT ONLINE 0 5178052351262197 17 5898580113840500003 New Balance Minimum Payment Due Date $5,898.58 1 $500.00 Jun 1, 2008 PLEASE PAY AT LEAST THIS AMOUNT Arnourd Enclosed --? Capital One Bk(USA),NA P-0 - Box 70664 Charlotte. NC 26272-0664 7425161 ?rLiruHiLLriluntilirriLiuLLLin?(irLirLir(iiL(iHilhurLrn Account Number. 5178-0523-5126-2197 Please print address or phone number dwVes below uwV blue or black role. 69013976237973596# MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B NEW CUMBERLAND, PA 17070 ruIIIruIIInIIruIIInn IIII Please write your amount number on your died or money order made payable to Capital One BKUSA),NA and mail with this coupon in the enclosed envelope. FINANCE Previous Balance Payrnerds & Credits CHARGE Transactions New Balance Minimum Payment Due Date S5,898.58 30.00 i + 3126.22 539.00 - 56,063.80 6681.00 Jul. 12, 2008 May. 18, 2008 - Jun. 17, 2008 Page 1 of 1 MasterCard Platinum Account 51794523-512&2197 Hassk (? Your Account hitomlalion w TOTAL REVOLVING CREDIT LINE $5,000.00 TOTAL AVAILABLE REVOLVING CREDIT $000 CREDIT LINE FOR CASH $5,00000 AVAILABLE CREDIT FOR CASH $000 J Finance Charges (Please see reverse for mporta k InformIQ Balance rate Periodic Corresponding 4 pled b rate APR Purchases 51,78392 005&216 D 2490% Cash 54,18422 00082296 D 2490% At Your Service 1J300 8043637 To cal Qataoer R061- cur to report a but or sblan cad 0 Serid peylrrerills b: Cap" One Bk(USA).NA - P 0 B« 70884 • Charble, NC 202-0884 Send 4lquites to: CWki Ora P 0 3x 30285 • Sat L" City, Ul 84130-M Ift For More ilfomualbn on your Rewards: Vrst wivwzwbtre.comrpordasrads CA 1.800-z%ul is Have a question about a charge on your slakniesi? Please refor to the Btkg Rlgtts Summary an the back of you staterrerd or vast www.oapdabne.opm/dsoutes ?1i PAY AV LEAST TNIS,N07UNr Yc+: a behind by tree paymalG But you can txmg your account current by paym the mnmum payment amount on your stat_Ynent. If you4e having financial difficulties and yo&e feeling overwhelmed - we want to help Cave one of our associates a call at 1 830 955 6610 Yodd be surpnsed what we can do together to work tuts out. Rewards Summary Revic s avaiatle balance 3,444 Eared he period 0 (relbl-is tress *-P-W d+r9Ita W9=5cb) Available Balance 3,444 Payments, Credits & Alliustrnents Transactions _ 1 11,kM PAST DUE =EE S39i 00 Urrkr term prev=* disclosed to you, some or al of your Annual Percentage Rates (APRs) have been increased shoe your account was past due twice in the past 12 btkg cycles If your rates have akeedy Increased, sbeegaert delinquencies w1e ded the duration of to increased rates Rerreirber If we receive your mrenum monthly peyrrrert on tme for 12 consecutive bdrug cycles, this account will be renewed for a possible return to you Non-Introductory APR. Your account has gone over ib credit Imt. To avoid addAaual uffk at fees, please pay enough to trig you balance below your credit pmd immediately, and make sure you remain below your credt limit Please be sue to accaat for any ful re purchases, fees, and fnarre charges You were assessed a past die fee because you minimum payment was not received by the de date To and this fee in the Tulare, we recommend that you allow at least 7 business days for your minimum payment to reach Capfhal One PLEASE RETURN PORTION BEL06V WITH PAYMENT OR LOG ON TO VMrw CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE mole" whaYt ,,- wanpP 0 5178052351262197 17 6063800113840681003 New Balance Minimum Payment Due Date $6,063.80 $681.00 Jul. 12, 2008 j PLEASE PAY AT L E45T THIS AMOUNT Amount Endosed Capital One Sk(USA),NA 11 111 1111111 11 rar?rr?? P.O. Box 884 ,Charlotte,711HC 28272-0884 7425161 [oil riinrinrnirunniniruilr,irlirinirrirrurrtrrirrurnu Account Number. 5178-0523-5126-2197 Please print address or phone number dvrges below using blue or black ink y7ww Fhon' sVrerrute Phone 99017076237973591ii MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B NEW CUMBERLAND, PA 17070 IIr111r,1 111r11 111r1111111 1111 Please write your a mount number on your dxKk or money order made payable to Capital One Bk(USNAA and mail with this coupon in the wickrsed envelope. FINANCE Previous Balance Payrnenfs & Credits CHARGE Transactions New Balance Minimum Payment Due Date $5,898.58 SO.00 S126.22 S39.00 - $6,063.80 $681.00 Jul. 12, 2008 May. 18, 2008 - Jun. 17, 2008 Page 1 of 1 PLEASE PAT AT LAST MS MnUNT MasterCard platinum Account 51780523b123-2197 AoHasse ( Your Account Inforrretion REWARDS TOTAL REVOLVING CREDIT LINE $5,000.00 TOTAL AVAILABLE REVOLVING CREDIT $000 CREDIT LINE FOR CASH $5,00000 AVAILABLE CREDIT FOR CASH $000 Finance Charges (Please see reverse for mportant information) Balance rate Penxk Correspondig FINANCE applied to ale APR CHARGE Purchases S1,78392 0061322%D 2490% 53773 Cash 54,184.22 006822%D 2490% 58849 ANNUAL PERCEIIIAGE RATE applied this period: 24.90% © At YourSenice 14*8063637 To col Ogre Ftabins ar b resort a bs<Q sbbn wd 0 Send payments Is: Canal ore Bk(USA).NA • P 0 Elw 7D984. Onabrlo, fJr 2L42/2-0884 Cadet 0- P 0 3. 3711E • Sid Like City, LIT 8412 A9ft For Mon: krfornailon on your Rewards. Yat new.cremdpwASarrads lit 1.800,278-= ® Have a question about a charge on your sfyemewl? Please relay to the Wig Rob Summary on the back of you swernert or VIA www.cacitalone.cornrcisputes Yonlre behind by tree payments But you can bring your account current by paying Inee minimum payment amount on you statement. AyouYe havxg finwlcel ddf6ibes and you're feelrg werwhdmed - we want to t*n Give one of our associates a oil at 1 880 955 6600 Youry be suTmed what we can do together to work It" aut Rewards Prevas available balance 3,444 Earned this pemd 0 #a%* transactions Posted ding bus bring cycb) Available 391a ce 3,444 lownents, credlfs d AIdltlstlrktlts - .-- Transat?iorns 1 11" PAST DUE FEE S3900 Lhxler term prevasly disclosed to you, same or al of your Annual Percer" Rates (APRs) have been increased since you account was past due twice n the post 12 bdhg Cycles tf you rates have already increased, % secWt defnquenms extended the drabon of the nmeased raks Re rremba If we receive you minimum mouthy payment on time for 12 coresautive billing cycles, this account will be renewed for a possible rekm to you Plon-lnlrod dory APR. You a=unt has gore over is credit hind. To avoid additional overlaid fees, please pay enough to trig your balance below yrxu credit Imd immediately, and make we you siren below you credit kind Please be sue to amount for any future purchases, fees, and finance charges You were assessed a pest due fee because your mnmum payment was rut razNed by the due d3le- To avoid this fee in it* ful re, we recommend that you allow at least 7 business days for your mxwnum payment to reach Capital One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO %MA W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 5178052351262197 17 6063800113840681003 One what.:, work,,. Account Number: 5178-0523-5126-2197 New Badattee Minknurn Payment Due Date Please print amass or prone number dwxps below using blue a black ink $6,063_80 $681.00 JDI_12, 2008 REASE PAY AT LEW1 H"m F nwv Alftvnate Fh ra --- ---- THBAMOUNr Amount Enclosed -- -- -- -J N90170762379735911i MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B Capital One Bk(USA),NA NEW CUMBERLAND, PA 67078 P.O. Box 70ah4 Charlotte, HC 28272-0864 ?rru???NU???uur?nar???rrrr?u?n? 7425161 irrirnr,inn,itur,rinririnrnirririninin,nrainrirrnarnu Please write your account number on your dvedl or money order made payable to Capital One WUSA),NA and mail with this coupon in the enclosed envelope. FINANCE Previous Balance Payments & Credits CKARGE Transactions New Balance Minima n Payment Due Date i 1 S5,898.58 $0.00 S126.22 +r 539.00 $6,063.80 ! 5681.00 Jul. 12, 2008 May. 18, 2008 - Jun. 17, 2008 Page 1 of 1 ?U/` AY Ai tl S - iIS AMQUNT MasterCard Platinum Accent \ \ 51784M4I26.2187 J Your Accounthditinsafiort ? REWARDS TOTAL REVOLVING CREDIT LINE $5,000.00 TOTAL AVAILABLE REVOLVING CREDff $0.00 CREDIT LINE FOR CASH $5,000.00 (AVAILABLE CREDIT FOR CASH $0.00 man Ce Charges Please see reverse for Important riorrnabon) Balance rate Pe,o(ic Corresponding FINANCE appliedto rate APR CHARGE Fvchasea S1,783,92 O OW% D 24.90% S3773 Cash 54,18472 0.06822%D 2490% SBB49 ANNUAL PERCENTAGE RATE applied thb period: 7490% Q At Your Swvke 1400800.3617 Toad 0.abmar Rektvu or m leprxt a bet or stobn cad 0 Send paymalt to: CW*W Ore ah(LC-A),% • P 0 9m 708e4 • Chuttb, NC 23472-0884 Send Inquiries to: Capisl OnrP0 Bak 305• Sat Lake (lay, Ur 84 rA= For More kilornaallon on your Rewards: Vet. wlws.capfabneoxr?pvlmeladc cat 1AW22B- 01 ® Han a qu=W n about a charge on your sfatdnere Plasse n:kr to the Billing; Rights Summary on the back of your statement or visit www.rtiatalorie.corrYdsoutes YoOe behid by three payments But you can briny your account current by payr)g thee mvvmum paymentamount on you statement. If yoUre hwi g fronoial difficulties and you're feeling over hie4med - we want to hey Gwe one of ou associates a cat at 1 WD 966 66W You'd be suprlsed what we can do together to work this out. Rewards Surnrna Previous araktble balance 3,444 Earned this period 0 (M%CLI tar-Acm pasEd duing t- billing ci,*) Avai3de Balance 3,444 Payments. Credits 8 Adiustmetts Transactions 1 11JJPI PAST DUE FEE 33900 lJrxkr terms previously clscbsed to you, some or all of your Aural Percentage Rates (AIRS) have been Increased sui(s your account was pest die twice n the past 12 bldg cycles If your rates have already increased, subsequent delinquencies extended the duration of the messed rates Remember' if we resew your minimum ma*41 payment on time for 12 consecutive burg cycles, the account will be reviewed for a possbte return to your hbn-Intmduclory APR. Your account has gone over its credit unit To avoid aditoral overkmit fees, please pay ena igh to brag your balance below your neck Intl mmedatey, and make sure you remain below your credit limit. Plate be we to account for any future purchases, fees, aid karce charges You were assessed a past de fee because your mranun payment was rot received by the de date To avoid trs fee in the future, we recommend that you allow at least 7 business days fa your Twvm m payment to reach CapW Ora PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VWWV CIAPITALONE COM TO MAKE YOUR PAYMENT ONLINE 0 5178052351262197 17 6063800113840681003 >JItE I tvhaYi•nynurv.Tlle[?` Account Number. 5178-0523-5126-2197 New Balance Minimum Payment Due Date $6,063.80 ; $681.00 Jul. 008 ----, 2 PIFASE PAY AT LEAST THIS AMOUNT Amount Endosed Neale pmt address w phone nurnbw charges below lairg blue or black Ink. Nome Nxwip --- _-- Alrefl?" R'rorae #9017076237973591# MAIL ID NUMBER Capital One Bk(USA),N0. P.O. Box 70664 1rlnnloot I IInI I11111 11 Charlotte, NC 26272-0564 7425161 +rilinHllli?nnnlrirnirninniniirirliNirlnrni,rirrurnnu CATHY KRASOVIC 45 RENO AVE APT B NEW CUMBERLAND, PA 17070 1rn111rn[11ur1ur11If uIIIII Please write your amount number on your died( or money order made Payable to Capital One Bk(USN,NA and mad with this coupon in the enclosed erwelope. RNANNCE PrrAou 5 Balance Paymerlfs & Cred'Rs CHARGE Transactions New Balance Minimum Payment Due Date 56.063.80 $000 5125.49 ,539.00 ?_ x3,228.29 $887.00 Aug. 11, 2008 Jun. 18, 2008 - Jul. 17, 2008 Page 1 of 1 PLEASE PAY AT (FAST THIS AMOUNT TOTAL AVAILABLE REVOLVING CREDIT $000 CREDIT LINE FOR CASH $5,00000 AVAILABLE CREDIT FOR CASH $000 MasterCard Platinum Account $178-0523-61252197 (At!Has* Your Account Infonrration REWARDS TOTAL REVOLVING CREDIT LINE $5,000.00 Fnanee Charges (Please see reverse for mportant Inbrnabon) Balance rate Permkc Corresponding FMNCE applied to rate APR CHARGE Purchase, 51,859.80 006822%0 2490% . 98.06 Cash S4,27216 006822%D 2490% 56743 ANNUAL PERCENTAGE RATE applied His period: 24 9 M Q AtYorwSenrke 1400- i3GT7 Ta cal Qabner W-W- a' b WA a Fat. AA. wd 0 Send payments to: Curial One aVSA),NA • P O Banc 70884 • anrbtle, NC 2871 ant A Send Inquiries to: Cgatal Ores PD hktc XM- Sat Ldke GAy, UI 8413( 7M ift For More Information on your Rewards: Vint nrwr.6remn`ds CA 1800-226,9001 Have a question about a charge on your siahrneri? Pease refer t0 the Bd" Wg)ls Summary m the back of your Statement or mt www zao?abnemrrldi"tes You`e belxtd W four payment. But you can still brng your account current by payro the mramum payment amount on your statement. eked hefJ7 Give us a cal at I WO 955 0600 Well work together to fund a sokitm Rewualds Summary Prevnus avaiable balance 3,444 Earned tins penad 0 (nelbgr Onausatiaus Paebd duiB tuffs dkgcycb) Avalkbk Bela= 3,444 Payments, Credits & Adjustments Transactions 1 12 JUL PAST DUE FEE 9900 Under terns prevuersiy dscbsed to you, some or al of yourAnnual Penoertage Rates (APRs) have been ncreased shoe your wm" was past due twee n the peat 12 bilrg qcIes If your rates have aleedy rlcreeaed, subsequent deingnncw wtorded the dlraton of the mieend rates Remernow if we reoe we your mnmum monthly payment on lime far 12 wnsecuhve burg cycles, his ammnt wit be revIe wed for a pambie return to your NorI-Inloduclory APR. Your account has gore over is aedt lend. To avod additional averlnd fees, please pay era to bmg your balwCe below your aedt Imd mmedaloHy, and make we you Terrain below your aedt lmd Please be s;re to account for any fikre pu;teGes, fees, and (ranee dwrta; You were assessed a past due fee because your m rratn payrna t was not renewed by the due date To awed his fee n the future, we recommend flat you allow at least 7 brsress days for your mrwnum payment to reach Candal One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CA 4TALONE.COM TO MAKE YOUR PAYMENT ONLINE Capital One Bk(USA),NA P.O. Box 70884 Charlotte. NC 26272-0864 7425161 irrirurrirnirunriniri?irrrirririni,rinunrirrinnrrrii aie New Balance Minimum Payment Due Date (` $6,228. $867.00 Atlg. 11, 2008 PLEASE PAY AT LEW THIS AMOUNT Amount Endosed 0 5178052351262197 17 6228290113840867005 Account Nkumber. 5178-0523-5126-2197 Pk%ve print address or phone number dw v.;es below using blue or black ink f-madaddress #9020076237973596# MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B NEN CUMBERLAND. PA 17070 rrr116u 116111 nu Hlunli11 Please write your account number on your dwck or mmey order made payable to Capital One Bk(USA),NA and mail with this ooupon in the enclosed envelope. FINANCE Previous Balance Payrnenls & Credits CHARGE Transactions New Balance Minimum Payment Due Date 56,063.80 60.00 r 5125.49 639.00 66,228.29 j $867.00 Aug. 11, 2008 Jun. 18, 2008 - Jul. 17, 2008 Page 1 of 1 _. ___ -- --------_--? PLEASE PAY AF L:ASr tan AMJUNT MasterCard PWw m Account You're bWrd four 5178?0523512tl-2187 ?' payment. But you can still Ixng your account anent by paying the minimum /1hb payment amount on you statement tdee f help') Give us a call at 1 BM 955 66W Well wor'., together to Your Accoum Information find a solution REWARDS TOTAL REVOLVING CREDIT LINE $5,000.00 TOTAL AVAILABLE REVOLVING CREDIT $000 CREDIT LINE FOR CASH $5,000 00 AVAILABLE CREDIT FOR CASH $0 00 Finance Charges (Please see reverse for rrnportant nformaban) Balancerale Perodc Corresponding FWINCE apAled to vale APR CHARGE Purohesess $1,859.80 006B22%D 2490% $3806 cast, 64=16 006132296 D 2490'0 38743 ANNUAL PERCENTAGE RATE appkd Oft period: 24.90% Q At YourService 14DDMi M TacarQinoiw1wwn P baapan8bearsooncud 0 Send payrnente b: Capital One BgJSA),NA • P D Banc 70884 • Qirbee, NC 25272J(ftl Sehil lrprdrksto: 04" Ow PD 9.302%- Sal Lde Oy, UT 84130.0286 For More btomnaflon on your Rewards: Vsk Oat 140022 w1 ?ifponisrwwds Have a quesdo i about a charge on your statement? Please refer to the Bdkg Rghts & nmay m the back of yar statement of vestwww.?a imbnecWdsoutes Rewards Previous available balance 3,444 Earned this pe od 0 (relbttshvm* spoeticalUmtisburgoycb) Available glance 3,444 Pay , ments Credits & Adustments Transacdons 1 12 JJL PAST DUE FEE S39.00 Under terms previously disclosed to you, sane or all otyowAnh al Percentage Rates (APRs) have been rnareased since your amount was past due twice in the pmt 12 billing cycles Ifyo r rates have ateady increased, stbeaq)ert detrnquen las extended the duration Of the increased rates Remember It we receive your mnmum monthly payment an time for 12 consecutive burg rycles, this account will be renewed for a possble retrn to your tdoMnbodctoiy APR. Your account has gore over is credit lima. I o avoid adlMo nal overlent fees, please pay cough to bmg your balance bebw your credt Imt mmedetey, and make we you remain below you aeit tmd Please be sun) to account for ary future purchases, fees, and finance chair You were assessed a pmt do fee because your minnun payment was not received by the de (late To avoid this fee in the future, we recormend that you allow at least 7 business drys for your mnmun payment b reach Gorki One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO NANW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE ca'that ne° evhat s.., your -11." New Balance Minimum Payment Due Date $6,228.29 $867.00 CA!!- 11, 2008 i'LFASE PAY AT (FAST THISAMOUNT Amount Endosed E-aD 0 5178052351262197 17 6228290113840867005 Capital One Bk(USA),NA P.O. Box 70664 Charlotte, NC 2&272-06&4 7425161 Account Number. 5178-0523-5126-2197 Please print address m phone number dwvjes below using bits or black ivc 7-2orne Phom wit"Mtee owty #902007623797359610 MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B NEW CUMBERLAND, PA 17070 Please write your account number an your cfneck or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. FINANCE Previous Balance Payments & Credits CWIRGE Ttarnaetions New Balance Minimum Payment Due Date $6,063.80 -, 50.00 5125.49 $6,228.29 $867.00 Aug. 11, 2008 (?? J + * $39.00 ?' . - - Jun. 18, 2008 - Jul. 17, 2008 Page 1 Of 1 7425161 MasterCard Platinum Account 517605235126 2IB7 Hasde ? Your Account Information 2 REWARDS TOTAL REVOLVING CREDIT LINE $5,000.00 TOTAL AVAILABLE REVOLVING CREDIT SOHO CREDIT LINE FOR CASH 551000.00 AVAILABLE CREDIT FOR CASH $0.00 - Finance Charges (Please see reverse for nporlant rnfornabc n) Balance rate Periodic Correspordi g FINANCE applied b rate APR CHARGE 'urchases S1,859t10 006822%D 24.90% $3805 Cash S4,27216 006R22%D 2490% $8743 ANNUAL PERCENTAGE RATE appned thla period ?:49DX Jj„"?k At Your Service 14OO800.3Gf7 W Tocd Qabn RehhmsorbreportaEstord*ncad 0 Send peynmft to: D,04 One EP4USA),NA • P 0 Oak 70884.Owboe, NC 28272-0884 A Send ingrdrles to: CaRW C w P 0 Sac 30285 • Sal Lde (ley, Ur B4DBOMi i ft For Mora Idomallm on your Rswards: Y?? Vat:~ capdabrecorrilpvsaarads Cat 1-000.72B-3001 ® Have a question about a charge on your stahdnent? Please refer b the Billing Rob SUrnmary on the beck of your statement or vrsd www.cepfabro co nidsdtes 515E SAY AT EAST -HIS AW.AM You're behind by far payment But you can sUl brrg you aocourd current by paying tire minimum payment arrant on your staterneM_ deed help'? Give us a call at I M 955 6ui0 1NeN work togNtex b find a 3olubon Rewards Summar Previous available balance 3,444 EaTied the penod 0 (relkdstra secia posbed dueg tts dlrg qcb) Avalable Balance 3,444 Payments, Credits &Agiustmerb Transactions 1 12 JUL PAST DUE FEE - - $3900 Under terms Previously disclosed to you, same or all of you Annual Percentage Rates (A°Rs) have been increased since your accouk was past due lwce n the past 12 bnlig cycles B your rates hive already namsed, m bsecluent deli cl enc es e derided the dra6m of the increased rates Remember If we receive your mranarn monff* Payment on bme for 12 consecutive, brlmg cycles, the account will be renewed for a possible return b your Pbn-Introdretoy APR. Your acoari has gone over As credit tint To avoid aciitanal overWit fees, please pay elsagh to brig your balance beloN your ore& kind nrrnecIaL4y, and make sure you reman below your credit Irmd. Please be sure b account for any We purchases, fees, and Niance charges You were assessed a past due fee because your mranLxn payment was riot mowed by the due date To avoid DIB feet in th?e,f,u,,tr,ye, we recommend thal you abw at least 7 bLmvw clays for you Taw urn payrrert to reach Cap" One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WYWY CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE 0 5178052351262197 17 6228290113840867005 Capi"UYLL' I r+arars:r, yr,v.waikv Account Number. 517"523-5126-2197 New Balance Minimum Payment Due Date $6,228.29 I $867.00 Cug. 11, 2008 _jL PLEASE PAY AT LEAST THIS AMOUNT Amount Endosed P1eae print address W Pho re amber dwges below u*V blue or black ink. Addrino --- - HORWOOM A7[ENAa'M N'pne ------ #9020076237973596# MAIL ID NUMBER Capital One Bk(USA),NA (L 1 tr P.O. Box 70864 Charlotte, NC 28272-0684 CATHY KRASOVIC 45 RENO AVE APT B NEW CUr4BERLAND, PA 37070 11,1 111111 1110 11 118 1 1111111 11111 Please write your amount number on your dtedc or nlorley order made payable to Capital One BKUSA),NA and mail with this coupon in the enclosed envelope. FINANCE Previous Balance Payments & Credits CFt4RGE Transactions New Balance Minimum Payment Due Date $6,228.29 $0.00 S137.63 $39.00 $6,404.92 S1,059.00 ' Sep. 12, 2008 I Jul. 18. 2008 - Aug. 18, 2008 Page 1 Of 1 MasterCard Platinum Award Your Account Information REWARDS TOTAL CREDIT LINE TOTAL AVAILABLE CREDIT CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH -.E5 AY AT !,Sf lib AMWIII You're behind by five pa)nnwrl:3 WeVe permarenthy revc(ed you chatgrg prr4ileges If you conti ne b mss payrnenta you amc int is at rsk of berg charged off Please don't let Ihs hapoen If yorfre feeling overwheFrled, call us at 1 &10.9%6600 Wei work with you b resolve On master $5,000 00 Rewards Summary 3000 Prevorsevaiablebalarce 3,444 $5,00000 Earned to pens! 0 $000 (nefbds traseclms POabd drying this berg cycb) Available Balance 3,444 Finance Charges (Please see reverse fa rrnportant nbmlahwl) Balance rate Periodic Corresperding FINANCE applied to rate APR CHARGE ?urchases S1,940.91 000922%D 24.90% S4237 Cash 54,363 45 0 0692% D 24.90% S9525 ANNUAL PHtCENTAGE RATE appNed "period 249oX i2h At Your Service • W b www ca tii=,wn b mwsgayouanut, or Cat 14IM900-3637 to raW a b5tor sblrn cad or spede to Ojai nelama ® Pay Online at mm.cmibbcemm a mal)ar panwd b' CWW One Beak (LAW, N.A. • P 0 Bak 70084 • Clsrbtb, NC 2802-0884 ® Sand bglirks to: Ceptel Or&P0 ar 3M- Sal Lake Oy. UT 84W4O2% ® Manage your Reear& urine by nsrtrlg a Cal 10022&3001 ® Hm a question abort a charge on your stal Bent? Please refer to the &Ing Rights Summary on the back of your statement or visit www,capA31c e.oornAJsories Paytllenb, Credits & Adlugments 1 11 A1G PAST DJE FEE S3900 JnJK terms prevously disclosed to you, sore or all of you Annual Percentage Rates (ADRs) have been Increased since you account was past de twice n the past 12 bkg cycles If you rants have already Increased, subsecluent denrpencles a (tenrled the dratlon of the ncreased rates Remarntef If we •e me your mnmun monlhy payment on tine for 12 consecutive billing cyCW, this account will be reviewed for a possible return b your rbn-Inlrodretay APR. You account has gone over is credit limit To avoid additional werbnt fees, please pay ero to bring you balance below you credit kral mmedately, and make sure you reman below your credit limit. Please be sue b account for any future pidases. fees, and trance charges You were assessed a past die fee because you mnrnurn payment was not re(erved by the de date To avoid Ills; fee in the ful re, we recanmend Met you allow at least 7 b sness days for your Twarnurn W/mert b reach Capital One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W WW CAPITAIDNE COM TO MAKE YOUR PAYMENT ONLINE 7425161 0 5178052351262197 17 6404920113841059009 ??T?•aVlIC ? whdYt :n pun wdllPt?' Account Number. 5178-0523-5126-2197 New Balance Minimum Payment Due Date Pieaie print aadess or phone nranbu chives below using bkw or black ink, $6,404.92 $1 059.00 Sep- 12 2008 Adldw , , NEAR PAY AT (FAST --- - - - ilaane F/Alm A? vn t PI THIS AMOUNT e r MM e - ---- E?rwrT address Q - --- Amount Enclosed } 1190233762379735970 MAIL ID NUMBER CATHY KRASOVIC Capital One Bank (USA), N•A• 45 RENO AVE APT B NEW CURBERLANO, PA 17070 P.0• Box 70664 Charlotte. NC 28272-0884 IIIII Hill 1.11'1111,11111111,III11L11'1'll111-11111.11 Please write your acimurd number on your payment made payable to Capital One Bank (USA), NA and mad with this coupon in the enclosed envelope. FINANCE Prievious Balance Payments & Credits CHARGE Trance New Balance Minimum Payment Due Date 56,228.29 - $0.00 1 + 8137.63 '+ 539.00 = 56,404.92 h $1,059.00 Sep. 12, 2008 Jut. 1 B, 2008 - Aug. 18, 2008 Page 1 of 1 MasterCard platinum Account 5178462361262197 Your Account liformation ?? REWARDS TOTAL CREDIT LINE $5,00000 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for rnporlant r,forrnaton) Balance rate Perodo Carrespoo:l g FINANCE *plied to rate APR CHARGE Purdeses $1,94091 006W% D 2490% $42-37 Cash S4,38345 0008M%D 249A S9523 ANNUAL PERCENTAGE RATE app8ed M period: 24.90% At Your senvke - co b iw.w.cpPrhdx*=n b mamp you a mu t, or Ca[ 1A005U33g7 b report a last a art cad a speJk b Qtsbner Reh%D% ?/ 0 Pay Online dewwvcotebnaoanormalymrpa/menttr. CgAal One 8" W)• NA • P O Bute TM • Giarti b, NC senif kv* rim to: 3witaf Ore- P 0 door 37185 -Set Lde Qty, UT 84130-0285 ® Manage yens Rewards onire by visMg or Wt 1A00,278.'71107 ® Haue a question about a charge on yow shk4i V Please refer tote Bilrg Rr; f nla Sunmay on thie beck d your statement or visit You're behind oy five payments We've permanently moked your charging prNteg If you conmue to miss payments you a=mt is at risk of berg charged off Please don't let tins happen If yodre feeling mw wMfir_d, call us at 18W 956 6600 Well work wdh you to esoNe this matter Rewards Summary Pm ors available- balance 3,444 Earned this peod 0 Walls trarsaAOrrsPANd durtrg this bang eyc6) Available Balance 3,444 Payments, Credits & Adustments Transactions 1 11 ALG PAST DDE FEE -- 53900 hider terms previously dsclot;ed to you, sane or al of your Annual Percentage Rates (APRs) have been increased since you account was past lore Wrce in the past 12 bang cycles If your rates have alrea* ncreased, subeeglat dafrrgnenaes elerded the dnahon of the naersW rates Rennie rber If we receive you mrannum monthly payment on time for 12 consamitire berg cycles, this account will be reviewed for a possible ream to your Fbi-Introdrebry APR. Your account has gore over its aedt limit. To avid add" o ertrat fees, please pay enough to bring your balance bebx your crack! Imd mmedately, and make sure you rerran below you aedt limit Please be site to account for any fltrre purchases, fees, and finance charges You were assessed a past due fee because your rnnrmm payrnert was not received by the cue date To and this fee in the fiNre, we recommend that you allow at least 7 buaness days for your mrxnun payment to reach Capml One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE Or7e whaee,n,??,wa?Mrr 0 5178052351262197 17 6404920113841059009 New Balance Minimum Payment Due Date ( $6,404.92 $1,0$9.00 E Sep. 12, 2008 PLEASE PAY AT LEAST THISAMOUNT Amount Enclosed Capital One Bank (USA), N.A. P.O. Box 70664 Charlotte, HC 26272-0664 7425161 ,II,IN1n1.11.11111.1111i11111it11Nl1nlln•tl•1•N111•n111.11 Accouryt Number. 5178-0523-5126-2197 Please print address or phone number d,anges below mng bbd or black .tk Addre" E-miff aolirem are mte myone #9023376237973597# NAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT 8 NEW CUMBERLAND, PA 17070 r11111rJill, 1.111111111.1.1111•••111•IIIII.1111.111••II11111.1•t Please write your account number on your payment made payable to Capital One Bank (USA), NA and mail with this oouporn in the enclosed envelope. RNANCE Previous Balance PWnMlt5 & Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,228.29 $0.00 + S137.63$39.00 i $6,404.92 51,059.00 Sep. 12, 2008 i Jul. 18, 2008 - Aug. 18, 2008 Page 1 of 1 j MaderCard Platinum Atcourtt s17e-oszsan?2te? Your Account Information C REWARDS P E45E Par Af j" AS a%CUNT You're behind W five payments We've permanently revoked your chatgrg prmleges If you omMue to miss payrnenAs you account is at risk of berg charged off Please don't let the happen If yo&,- feeirg owrwhr_hr_d, call us at 1800 955 610 WOO work with you to resolve ft :matter TOTAL CREDIT LINE $5.00000 R-WBMS f ---- TOTAL AVAILABLE CREDIT $0.00 PreviosavalelAebalance 3,444 CREDIT LINE FOR CASH $5,000.00 Farred #w period 0 AVAILABLE CREDIT FOR CASH $000 (raf6clslraswoonsposleddnVtsbiMggc4) AvakNe Baknce 3,444 (Finar= Char JCS (Please see reverse for important information) Bakrne rate Periodic Comespondrg MANGE applied to vale APR CHARGE Purchases $194091 006822%1) 2490% 54237 Cash 94,3M45 O XW% D 2490% S95.25 ANNUAL PERCENTAGE RATE appkd Ws period: 24.81)% ® At Your Service- Cobwwrxwkdxgoombmargeymrw=it, a CkA 7.900.903.3637 b iepat a bd a sfobrr cad a sped: m astaner Reago s ® Part online at Awwrcnotlebrtooomor mmellarpwmat to Cepal One 8w* (USA), NA • P 0 got 70884' Gubtle, NC 29272-0884 ® Send Irgmilec to: ?*dd Ora'P0 30c 31)285• set Luigi City, UT 841360295 Marwgeyo(a-Rcrraadsad ebyvw&g a Gat 1800.228 mm Have a question about a dwge on your stAmienl? Please rider to the titling Rrglt s Summaryon the bacK of you statement or vent Payments, Credits & AKQ!q rlts Transactilm 1 11 AUG PAST DIIE FEE S39 C0 (kder term previously disclosed to you, some or all of your Annual Perosr>lage Rates (APRs) have been mvamd ww you aom" eras past due twee n the past 12 bdkg cycles ff ym rates have already nc-eased, subsequent deingerces extended the duration of to ncreawd races Remember- If we recewe you minmurn monthly payment on time for 12 consecutive bring cycles, this amount will be reviewed far a poasble return to your NaNntrodictory APR. Your axount has gone over is credit lend. To avoid additional overlrrmn fees, please pay enagh to brig your balerm below your credit Ind mmecliatey, and make sue you reran below you credit lint Please be sure to account for any future purchases, fees, and (rrrtce charges You were assessed a past de We because your mrwwn paymert was not received by the due date To avoid this fee in the future, we recommend that you allow at Last 7 busness days for your mnrnum payment to reach Captal One PLEASE RERrtN PORTION BELOW WITH PAYMENT OR LOG ON TO WVWJ.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 7425161 0 5178052351262197 17 6404920113841059009 Account Number. 5178-0523-5126-2197 New BalarKe Minimum Payment Due Date Plaare print aMr ss a phone number changes below using bite m bLxk ink $6,404.92 ?? $1,059.00 ST12,2008? Ld'k- --_--__-- f'LF PAY AT LEAST lane guar a Ntcynate Prior e THISAM0UNr 6Ans3amtfirs• Q Amour[ Enclosed #9023376237973597# MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B Capital One Bank (USA), N.A. NEW CUIIBERLAND, PA 17070 P.O. ON 70684 Charlotte, NC 28272-0664 III I?IIIIII.11'???II,II??l?l?ll?lllllllll?lll,1?'?'il?l?'lll?l'1? Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. FINANCE Previous Balance Paymeras & Credits CHARGE Transactions New Balance Minimum Paymed Due Date $6,404.92 $0.00 *1_ 888.00 =66,625.50 $1,257.00 Oct. 13, 2008 Aug. 19, 2008 - Sep. 17, 2008 Page 1 of 1 MasterCard Phfirum Account 5178452341262197 Your Account Illdbrimadon REWARDS TOTAL CREDIT LINE $5,00000 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $5,000.00 AVAILABLE CREDIT FOR CASH $000 Finance ChBRJCS (Please see reverse for Important nfamatm) Balance rate Pe ccl c Carespo ncing FI MANCE *plied to ,ale APR CHARGE Pudreses 52,02144 006822%D 2490% 54137 Cash S4,45667 005822%D 2490% S9121 ANNUAL PERCENTAGE RATE applied dais period: 24.80% Q At Your Service - Go b nw Xgtabna can b mawge yoar account, a(2ltE005033637brgvtanisiordbncadc speckbammer Rebk- Pry Ovine ht wmv witabre com or maiyowpWlwt b: Capital Ore ? Bak NSA), NA .p 0 B. TOB84.Ohattfe, NC A Send' - lo; CapRal Ore- P J B:z 30?D5•Sat Lalm City: UT 841380286 CA Marsaw ywe R-6 online by visRi g or CA 1.800-726."1001 ® Have a question about adwWonyarslatemnt? PWm refer to the Bung R#*s Summery on tae back ofyour statement Or vsR M±1%sE PAY Ar LEAST -4s AMJHnr Yo(he behind oy m payments if we charge off your ao cunt due to bLe or missed payments, hnarhoe Barges will (ArhtrxJe to aoaue Act now to prevent Ihs from InWpenry please pay the mnnun feynr_nt amount on Your statement or We us acall at 1 BUJ 955 66W We're here to help T ake control of your credit with Capital One °ImportaM Ntotice- Under the terms we Pevicusy disclosed to you, your account s now *I* for an Increase n A nual PercwAxp Rates (APRs) effective immediately Fbwever. CqAW One has elacled not to rase your APRs at this time Phase be advised that If you fail to keep your account n goad standing, Capital Ore reserves to rght b rase your APRs in the fultre Rewwds SumlrlarY Premus available balance 3,444 Famed this penod 0 (retells lrais?ams Msbd during this arq cycb) Available Balance 3,444 Payments, Credits & Adjustments Transactim 1 12 SEP PAST DUE FEE 2 17 SE' CAPITAL ONE MEMBER FIE S3900 S4900 You account has gore over is welt Imt To avoid ad3aonal Over" lass, please pay enough to brig your balance below your aedl ImR immediately, and make we you remain below you credit bind Pose be sire to account for any b.Are purchases, ke;, and bnence charges You were assessed a past ire lee bemise you mrwnum peyrrrert was not received by the due ate To avoid this fee n the tutee, wo rocomnKnd tat you allow at [east 7 busnesu days for your mrwnum pbymenl to ratm Capital One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WW/V CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE 7425161 0 5178052351262197 17 6625500113841257002 Of?e° wnars,e,ou,waupt,. Account Number: 5178-0523-5126-2197 New Balance Mingnum Payment: Due Date Please print address or phwhe number dharxps below using bk. or black ink $6Addreff ,625.50 $1,257.00 OCt 13, 2006 PL 45EPAYATLEAST /MmeFtkr AtemArmovie THIS AMOUNT - ---- E-mail adidress Amount Endosed - J #90262762379735960 MAIL ID NUMBER CATHY KRASOVIC 45 RENO AVE APT B Capital One Bank (USA), N.A. NEW CUMBERLAND, PA 17070 P.O. Box 70884 1 1 1 1111 I I Charlotte, NC 211272-0684 1 11'11 '1111 it I 1 1"'1111"I' i'I llll-fill '1111"II Ilhpuulrlrlllll'IIIIIPNd11hIlInI10.d'I'oPlvlllrll Please write your a=unt number on your payment made payable to Capital One Bank (USA), NA. and mail with this coupon in the erdosed envelope. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date +; 5132.53 $88.00 -j 36,625.50 $1,257.06 Oct. 13, 2008 ? 56.404.92 $0.00 Aug. 19, 2008 - Sep. 17, 2008 Page 1 of 1 REAR PAY Ar LEAST MIS M1]UNT MasterCard Platinum Account Yo(f re behind oy =payments It we charge off your woount due to late or missed payments, Mario, 5178452341211,2197 1?r?sk charges wEWntneto accrue Act now b prevent the from happening Please pay the mnimtrn ?r.??rRta payment armunt on your statement or we us a cad at 1 SOD 955 66M We're here to hetn Take cxdrd Your Account hibi mation REWARDS of your credit with Capital Ore TOTAL CREDIT LINE $5,00000 TOTAL AVAILABLE CREDIT $0.00 -Important rbtice° Under the terms we previously clsclosed to you, your account is now elgde for an CREDIT UNE FOR CASH $5,000.00 increase in Annual Percadage Rates (APRs) effective immediately However, CSI One has emoted AVAILABLE CREDIT FOR CASH $0.00 not to rase your APRs et this tine Plesse be advised thal I you fail to keep your account in good sfandrg, Capital One reserves the rght b rdse your APRs in the future Finance Charges (Please we reverse for mportant information) RewaFd3 Summary --- Prevro(s availede balance 3,444 Balance rate Perodc Carssporx4y FINANCE Fanned this period 0 applied to rate APR CHARGE tads aeseclo--sled d" this b* V W%) Purchases S2,02144 006622% D 2490% $4137 Available Balance 3,444 Cash S4,45667 0ORIM D 2490% 591.21 ANNUAL PERCENTAGE RATE applad d is period: 24.90% Q At Yom Service- Gobwww.?brroanbmaxisewaxaut, kr C! 1?0o.9D3J837 b repot a lost a 9k?nard air spaek b Qrv Retl?re ® PaYOrdlFeAwnw =bbroccmormWWpWwtt) Captd One Belk (USA), NA ' P O Bon 70884.Owbtle, NC 28272-M A Send loquirles to: vapid Ones P 0 Bad 30295 • Set Late City, LIT 84lMM5 ® Manage your RewaOs a*na by visiting kr ? 1E00.228JDD1 Have a quesWn about a Jorge on your oblarnenl4 Please refer b the Bdkg Rrghis Sunmaryon Uw beck of yaw statement or vst Payments, Credits 8 AdLusgrtentS -_- Transactions ---- 1 12SEP PAST DUE FEE 53900 2 17 SEP CAPITAL ONE WMBER FEE 54900 Your amount has gore war its aedl Amd. To avoid add" overlrnl fees, please pay enogh to bring your balance below your aedl Imd mmedatey, and make sure you remain below your credit limit Please, De sure to accou t for any fAre purchases, fees, and lira ce charges You were assessed a past die fee because your m um rn payment was not received by the de dote To avoid this fee in the future, we recommend that you allow at least 7 b(sries, days for your mranun payment b reach Cap" One PLEASE RETURN PORTON BELOW WITH PAYMENT OR LOG ON TO WWW.CAPFTALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 5178052351262197 17 6625500113841257002 Capilfalf()ne' n?rv; mr»aibn. Account Number. 5178-0523-5126-2197 New Balance /Wmimum Payment Due Date Please print address a phone numb r danges below using blue w black ilk $6,6257.I $1,257.00 Oct. 13, 2008 -- - - -- ` PLEASE PAY AT LEAST home PTUOre __ A/rernste Hrorx THISAMOl1NT £-nwr7aaHress Amount Enclosed J #9026276237973596# MAIL ID NUMBER CATHY KRASOVIC 45 RENO Ave APT B Capital one sank (USA), N•A• NEW CUMBERLAND, PA 17070 P.O. Box 70664 I 1 11111 I I I 1 Charlotte, NC 28272-0664 1 II'II '1111 III 1 I"'1111"I' I'I '1'II'1'II11'll 1'I111"I 7425161 1'Id11'n'''rlllll'111NI1Pd114u?uP11'd'I'ulll'nllr?l Please write your account number on your payment[ made payable to Capital One Bards (USA), NA. and mail with this o Duporl in the enclosed envelope. FINANCE Previous Balance payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 00 56 404 92 - f $0 + T S132 58 50 S1 00 Oct 13 2008 $88 00 \ S6 625 257 . , . . , . , . , . . Aug. 19, 2008 - Sep. 17, 2008 Page 1 of 1 C A t M t d Plat - -? --ELSE ?AV A?- !IST -1415 AW,"W com as er ar inum You4e beMid by six payments If we charge off your amount due to late or mu3ed paynwnl3, fuance 5178.062351262167 charges will continue to accrue Act now to prevent this from happenxy Pease pay the minimum Your Axa1M Irtforrrtation REWARDS payment amw t on you staLwnet or give us a call at 188 955 65M Were here to hw_ Ip Take contol of you credit with Capial One TOTAL CREDIT LINE $5,00000 TOTAL AVAILABLE CREDIT $000 "Important f lobce ' Under the tams we previously disclosed to you, you account is now elUi* for an CREDIT LINE FOR CASH $5,000 00 increase in Annual Percentage Rates (APRs) effective mmed<ately However, Capital One has elected AVAILABLE CREDIT FOR CASH $000 riot to rase your APRs at this time please be adored the if you fail to keep your account in good / slandrg, Capital One reserves Ite rr; f nt to rase you APRs n the fuluie finance Charges (Please see reverse for mport" nbrmaton) Balance rate Pero* Correspon*V FINANCE appied to rate APR CHARGE rA rChases 52,021 44 0 06822% D 24.90% S4137 Cash 54,45667 006022%D 2490% 59121 ANNUAL 7 CENTAGE RATE applied this period: 2A30% At Your Service - Glob m+w.owdkrwc b m- apyar a;auit, or Cat 1-W903-3Gi7 b mport a bA or sblm cad or speck b aabrc (Mors 0 Pay OnNm W rmw.cmilabre mm or rrelyorr pwnxt b. C W Ow Be* (USA), N.A. • P 0 Boy 70064 • Chamblee, NC zm?w A Send Inquiries to: Cachet Ore- P 0 am 30285 • sal lake city. ur 84=-XM ® Mannage yam Rewards or** by v-" a Cat I-MZ25-M Have a quesfron about a dsage on your stalernerv Please refer to the 86V Rgrfs 5laranary on the back of you statement or visit www.cmdabne.rur?dsa9es Rewards Summary I'mmus avadable balance 3,444 Earned this period. 0 (MoDuts taurbors Posted dung this a*Q CYGID) Available- Balance 3,444 Payments, Credits & Adlustrnertts Transactions 1 12 SF PASIDUEFEE S3900 2 17 Shp CAM I A_ ONE MEMBE`t H- S49 00 Your acco t has gone over its credit Ynt To avoid additional overhnit toes, please pay cnao to bbrM your balance w1ow you credit knit anmedaiey, and make sure you remain below your aeM limit Meese be site b account for any Tut re prchases, fees, and finance dirges You were assessed a past due fee bo=e you mnmum payment was rat received by the due date To avoid the fee in the tube, we recommend that you allow at least 7 business days for your TwInun payment to reach :aortal One PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW CAPI TALONE CAM TO MAKE YOUR PAYMENT ONLINE Qrt AuYt m your wanes?' 0 5178052351262197 17 6625500113841257002 New Balance Minimum Payment Due Date 625.50 ?' $1,257.00 lCod. 13, 2008 PLEASE PAY AT LEAST THISAMOUNf Amourrt Endosed .- Capital One Bank (USA), N•A- P.O. Box 70664 Charlotte, NC 26272-0664 7425161 lllduuurlP116htIIllPlhhtllnhdllLtl?IruPl?nlh?11 Account Number. 5178-0523-5126-2197 Please print addr ss or Phwre rxunber dvanws below ring blue or black ink. AddmS finee Nine A7lmea[e Nine E-nwr7addes? ts'' t/9026276237973596fi MAIL ID NUMBER CATHY KRASOVIC 45 RENO AYE APT B NEW CUMBERLAND, PA 1797U IhrIIt?NlNnhtllhr??alrrlrllrP?l?u?rlhruh?utl..l1 tie write your amount number on your payment made payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unsworn falsifications to authorities, that he/she is py') U Z-ale.wsk%, (Name) t•??o?? of Cale, VA Of.? u S N N N , plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Amended Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. ??A (Signature) 7LIas1(a ( CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Amended Complaint has been served by U.S. Mail, Postage Pre-Paid, on 22 day of 2013 upon the following: GEOFFREY BIRINGER, ESQUIRE MIDPENN LEGAL SERVICES 401 E LOUTHER STREET SUITE 103 CARLISLE, PA 17013 Matthew D Urban, Esquire IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA CAPITAL ONE BANK (USA), NA CIVIL ACTION -LAW C-. Plaintiff V. y a CD ? ` C CATHY KRASOVIC ; Docket: 0-M Civil Term "=``' -? 7 a/k/a CATHERINE A. KRASOVIC, = z ; . t Defendant/Respondent - l r PETITION FOR LEAVE TO WITHDRAW AS COUNSEL FOR DEFENDANT PURSUANT TO Pa. R.C.P. NO. 1012(e)(1) NOW, comes Petitioner, Nancy L. Datres, Esquire, of MidPenn Legal Services, and hereby petitions the Court as follows: 1. Petitioner is Nancy L. Datres, Esquire, counsel for the above-named Defendant, with a business address of 213-A North Front Street, Harrisburg, Pennsylvania 17101. 2. Defendant/Respondent is Cathy Krasovic aWa Catherine A. Krasovic, an adult individual whose last known address is 205 Conodoquinet Ave., Apt. 3, Camp Hill, Pennsylvania 17011. 3. Plaintiff is Capital One Bank (USA), NA, a corporation with offices at 15000 Capital One Drive, Richmond, Virginia. Plaintiff is represented by Matthew D. Urban, Esquire, of Weltman, Weinberg & Reis Co., LPA, 436 Seventh Avenue, Suite 1400, Pittsburgh, Pennsylvania 15219. 4. Defendant/Respondent first contacted MidPenn Legal Services, Carlisle office, on March 31, 2010, seeking assistance with a civil complaint filed against her by Plaintiff on March 12, 2010 for damages for an alleged past-due balance on a consumer credit card account. 1 5. On April 6, 2010, then MidPenn staff attorney Geoffrey M. Biringer prepared and filed preliminary objections to Plaintiff s complaint on behalf of Defendant/Respondent. 6. On or about May 18, 2010, Plaintiff filed what was titled a Brief in Opposition to Defendant's Preliminary Objections, but which was in substance a petition/motion requesting leave of court to grant Plaintiff ninety (90) days to file an amended complaint. 7. Soon thereafter, Attorney Biringer went on medical leave and at the present time is no longer employed by MidPenn Legal Services. 8. Upon review of the case file in September of 2010, it was determined that Plaintiff had not filed an amended complaint and that there had been no activity whatsoever on the case since May 18, 2010. 9. Due to the lack of activity, on September 24, 2010, MidPenn Senior Attorney Howard Miskey drafted and mailed a file closing letter to the Defendant/Respondent, taking great care to stress to Defendant the importance that she notify the MidPenn office about any changes to her address and or telephone number. A copy of said letter is attached hereto and incorporated herein as Exhibit "A". 10. On May 2, 2011, more than seven months after closing Defendant's file, the MidPenn office in Harrisburg received by first-class mail a copy of an amended complaint filed by Plaintiff on or about. May 2, 2011. 11. Your Petitioner was assigned to handle the matter and reviewed the closed file and drafted and mailed a letter to the Defendant/Respondent at the last and only address contained in her file. Said letter was mailed on May 4, 2011 and directed Defendant to contact Petitioner immediately upon receipt of the letter. A copy of the letter is attached hereto and incorporated herein as Exhibit "B". 2 12. Also on May 4, 201.1, Petitioner called the Defendant/Respondent at the only phone number listed in her MidPenn file. The number was a non-working number. 13. On May 10, 2011, the Petitioner received back the May 4, 2011 letter from the United States Postal Service with a label affixed to the envelope stating: "Return to Sender" "Insufficient Address" "Unable to Forward". A copy of said envelope is attached hereto and incorporated herein as Exhibit "C". 14. Petitioner then combed through the Defendant/Respondent's file looking for any notations about alternative addresses and alternative phone numbers. However, the file did not contain any alternative contact information. Further, Petitioner noted from the file that the Defendant/Petitioner was not employed and therefore there was no employer to contact in an attempt to obtain a valid address for the Defendant/Respondent. 15. On June 13, 2011, Petitioner received from counsel for Plaintiff a copy of a ten-day notice of intent to take default judgment, said notice dated June 9, 2011. 16. Petitioner, however, effectively no longer has a client and within the constraints of the professional rules of conduct cannot defend the Defendant/Respondent with respect to the amended complaint and ten-day notice filed by Plaintiff. 17. To the best of Petitioner's knowledge, no Judge has ruled upon any other issue in this same matter or related matter. 18. Pursuant to Pa. R. C. P. No. 1012, Petitioner may not withdraw as counsel without leave of court unless another attorney is entering their appearance. 19. Petitioner is not aware of any other attorney entering his or her appearance on behalf of Defendant. 20. Petitioner is not aware of any hearings scheduled in this matter. 21. Petitioner is aware of the pending pleading deadline to respond to the ten-day notice and that failure to respond by said deadline will result in a default judgment entered against the Defendant/Respondent in the amount of $11,071.30 plus interest and costs. 22. The granting of relief prayed for will not prejudice the Defendant/Respondent any more than the denial of the relief, given that the Petitioner is essentially without a client and would be unable to file anything on Defendant's behalf if the relief requested is denied. 23. As indicated on the Certificate of Service appended hereto, the Petitioner has served a copy of the within Petition to Withdraw on opposing counsel and on the Defendant at the Defendant's last known address. 24. Petitioner further certifies that she will serve a copy of the Court's order to opposing counsel as well as to the Defendant/Respondent at Defendant's last known address. WHEREFORE, Petitioner respectfully requests this Honorable Court to allow her appearance, the appearance of Geoffrey M. Biringer, Esquire, and of MidPenn Legal Services as counsel for the Defendant in this matter to be withdrawn. Respectfully Submitted, MIDPENN LEGAL SERVICES Date N . t BY: an L. ancy L, atres Supreme Court ID No. 203226 MidPenn Legal Services 213-A North Front Street Harrisburg, PA 17101 Phone: (717) 232-0581 x 2107 Fax: (717) 232-7821 4 EXHIBIT A Fib MidPenn Legal Services 513 Chestnut Street, Lebanon, PA 17042 Phone 717-274-2834 FAX 717-274-0379 www.midpenn.org September 24, 2010 Catherine Ann Krasovic 205 Conodoguinet Avenue, Apt. 13 Camp Hill, PA 17011 Dear Ms. Krasovic: C-1.- As you will recall, Capital One Bank filed suit against you on March 12, 2010 seeking a judgment of $9,169.16 plus costs for an alleged credit card balance. Attorney Geoffrey Biringer agreed to represent you in defending this action and filed what are called Preliminary Objections on April 6, 20 1.0. Attorney Biringer has been out of the office on leave but I have been handling your case. Since we have heard nothing from Capital One Bank in over four months, I think it may be safe to assume that they have decided not to pursue the matter further. What would normally happen under these circumstances is that after two years of inactivity, the Court would send out a notice to both sides indicating that the case will be dismissed due to inactivity unless the Bank decides to take further steps to move the case forward. Since this seems very unlikely in your case and since we can re-open your case in the unlikely event the Bank decides to continue the case, I will be closing your file in this office at this time. It is important that you let me know if you move or if our telephone number changes so that I can contact you if I receive word that the Bank decided to proceed with their lawsuit against you. If they do so and I am unable to reach you to discuss the case and sign any necessary legal papers, it is possible that they would succeed in getting a judgment against you. Thus, please contact me with any changes in your address or phone number or if you have any questions. Thanks and good luck to you in the future. Very truly yours, = I! LSC EXHIBIT B i,,III,V MidPenn Legal Services 213-A North Front Street, Harrisburg, PA 17101 7 ,.+ Phone 717.232.0581 FAX 717-234-0496 ; Toll-Free 800-932-0356 www.midpenn.org May 4, 2011 1 Catherine A. Krasovic 205 Conodoquinet Ave., Apt. 3 Camp Hill, PA 17011 Dear Ms. Krasovic: As you recall, Capital One Bank filed a lawsuit against you on March 12, 2010, seeking $9,169.16 plus costs for an alleged credit card balance. Because Capital One Bank did not take any further action after our office filed preliminary objections, we closed your file in September 2010. In our closing letter, we explained that it was very important that you notify us of any change in your address or phone number. A copy of our closing letter is enclosed for your convenience. Unfortunately, Capital One Bank has returned. They filed an amended complaint in the case on or about April 28, 2011, and our office received a copy of the amended complaint on May 2, 2011. We attempted to call you at the only phone number we have on file for you: 717-737-3938. However, this is not a working number in that it rings a few times and then goes to a buzzing sound similar to that associated with fax numbers. Because the deadline for responding to the amended complaint is May 22, 2011, you need to contact me as soon as you receive this letter. You can reach me at 717-232-0581 x 2107. As we noted in our closing letter, if you fail to contact us, we cannot take any action on your behalf, and in that event Capital One very likely would obtain a default judgment against you. Youp tr ancy L. Datr s Attorney at Law Enclosure ?i! LSC EXHIBIT C N W ' z ' yew .4 r I'D M O t+ A lD H .l. it N ". 0 6 0 b o (1 W ~' CJ ?. a 14 _ F+ z r F` COV ?macm?? o D4a y m Pic 0 sc r H? moz H -IM-4 ozo ??y w w. .. F' Obm r °o o UNlrEd 0 :DC7z o m ]?llm tn r w .0 60 rn C: .... fll ? a N? ni 4 VERIFICATION I, Nancy L. Datres, Esquire, verify that the statements made in the foregoing petition are true and correct, to the best of my knowledge, information and belief. I understand making any false statement would subject me to the penalties of 18 Pa. C.S. §4904, relating to unsworn falsification to authorities. Date: Nancy L. Datres, Esquire CERTIFICATE OF SERVICE I hereby certify that on the date indicated below I served a true and correct copy of the within Petition to Withdraw on counsel for Plaintiff and on the Defendant at the Defendant's last known address. I further certify that efforts made to locate a new address for Defendant include: a thorough review of her file for notations of relatives, employers, and or friends; an online search of the official white pages; and an online search of ZabaSearch, a people search engine that allows a search of an entire state for an individual as opposed to the official white pages which requires a city and state to be entered. All efforts were without success. Service of the within Petition to Withdraw was made by first class mail, postage prepaid to the following: Matthew D. Urban, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Catherine Krasovic 205 Conodoquinet Ave., Apt. 3 Camp Hill, PA 17011 Date: Respectfully submitted, MIDPENN LEGAL SERVICES ancy L. Datres, Esquire Supreme Court ID No. 203226 MidPenn Legal Services 213-A North Front Street Harrisburg, PA 17101 (717) 232-05 S 1, extension 2107 Attorney for the Defendant 0 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA CAPITAL ONE BANK (USA), NA CIVIL ACTION - LAW Plaintiff `' to-18t9 CATHY KRASOVIC Docket:49-}$9 Civil Term a/k/a CATHERINE A. KRASOVIC, -<> Defendant/Respondent PRAECIPE TO SUBSTITUTE VERIFICATION ' TO THE PROTHONOTARY: Kindly replace the unsigned verification appended to the Petition for Leave to Withdraw filed on June 14, 2011 in the above-referenced matter with the attached signed verification. PROOF OF SERVICE The undersigned hereby certifies that on the date below, she served a true and correct copy of this Praecipe by regular first class mail, postage pre-paid, to: Matthew D. Urban, Esq. Weltman, Weinberg & Reis Co, LPA 436 Seventh Ave., Suite 1400 Pittsburgh, PA 15219 Catherine Krasovic 205 Conodoquinet Ave., Apt. 3 Camp Hill, PA 17011 Respectfully Submitted, MIDPENN LEGAL SERVICES Date: BY. Nancy L. 16atres Supreme Court ID # 203226 MidPenn Legal Services 213-A North Front Street Harrisburg, PA 17101 717-232-0581, ext 2107 Attorney for Defendant VERIFICATION I, Nancy L. Datres, Esquire, verify that the statements made in the foregoing petition are true and correct to the best of my knowledge, information, and belief. I understand that making any false statement would subject me to the penalties of 18 Pa. C.S. § 4904, relating to unsworn falsification to authorities. Date: P???tres, y LEsquire s IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA CAPITAL ONE BANK (USA), NA Plaintiff V. CATHY KRASOVIC a/k/a CATHERINE A. KRASOVIC, Defendant/Respondent : CIVIL ACTION -LAW : Docket: 1 ?ivil Term M CO rn c_ Ts - 7 r n 1 C<> _ UN + ?3 ? C 3 ? T ? "'rr C. 7 ORDER ?? AND NOW, this _day of 2011 upon consideration of MidPenn Legal Services' Petition for Leave to Withdraw, such relief is hereby GRANTED. By the Court: J. Distribution: Nancy L. Datres, Esquire MidPenn Legal Services 213-A N. Front St. Harrisburg, PA 17101 I .? Matthew D. Urban, Esq. Weltman, Weinberg & Reis Co., LPA 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Catherine Krasovic (at last known address) 205 Conodoquinet Ave., Apt. 3 Camp Hill, PA 17011