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r? i YT, HAYT & LANDAU, LLC B : Arthur Lashin, Esquire Identification No. 23425 4(0 Market Street Suite 600 Philadelphia, PA 19106-2513 ( 5) 928-1400 04 FILE NO. 311789 Attorney for Plaintiff ITAL ONE BANK 14t5l COX ROAD G EN ALLEN, VA 23060 Vs. T NYA HARTZ 1 6 UMBERTO ST APT C W CUMBERLAND PA 17070 NO. /D - dql CIVIL ACTION "NOTICE `You haw been wad in apart. If you wish to defend epatnd u cleirrs sot forth 1n ft foNowig pspss, you mwt take action wW * tw a dy (M days atbr this oompiWd and r dm an served, by enterbV a wrlllsn appowanoa pa mla11y or by attorney and INirp in wrttlnp wM the Court your defenses or objeolions to the claims sat bath spsirst you. You sn warned that If you fail to do so",oss may proowd wWwd you and a judpnw t may be en- md apairret you by the ooud wMhout hrOw notice for any mon- ey otaimed in the oonWbk t or for any other claim or r~ nquoat- ed by tlw phitlN/. You may bas money or properly or o&w rtDhts knporb" to you. IF YOU CANNOT AFFORD TO RMP A LAWYER,TBIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFEe LEGAL SERVICES TO ELIGIBLE PERSONS AT A RED CED FEE ORNO PM C ERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE C LISLE PA, 17013 7 7-249-3166 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION "AVISO Cl C`T "Le hen do.P ndedo a uded on Is ports. 81 uded quisre defsndsras de edw darlardas expuealas on las pipines stuientss, ueled tiers vdnlo PM dies, do pinto si patlr de is fool de l@ demands y Is nodlbeoi6n. Haos fibs aeontor uns oonpanoncis osaita o M persona o oon un abopado y enieysr a b ooRe on Tonne eeoritla a n doArrsas o sus obi - Am m sin demendes en oorMra do w persona. Sea avisado qua si uded no so deAerds, is Corte tomani r edides y pwde oonftw Is demands on Contra sup sin prsvio eviso o nolilbsol6n. Adonis. Is mW Made Clock* a favor del denrandente y requiers quo usled CunVb oon Lodes be provisions do ofd demands. Usled puede porter dinero o sus propledsdso u oirm derechos hVwb rtes pan uded. "LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SO NO TIENE ABOG3ADO O SI NO TIENE EL DINERO SUFICIENTE DE PAQAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELfFONO A LA OFICINA CUYA DIRECC16N SE ENGUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. vg? I T V? C F grLs3 Q-111 TERM. CIVIL ACTION 1.'Plaintiff CAPITAL ONE BANK is a business entity securing or collecting debts, with offices located at: 481 COX ROAD, GLEN ALLEN, VA 23060. 2. Defendant(s) TONYA HARTZ is/are individual(s) re iding at: 116 UMBERTO ST APT C, NE CUMBERLAND, PA 17070. 3. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assigned account number 4003447010968586. 4. Defendant(s) subsequently utilized the aforesaid account to make va ious purchases and/or receieve cash advances, thereby incurring pa ent obligations to Plaintiff and/or Plaintiff's predecessor in in erest. 5. Defendant(s) defaulted by failing to adhere to repayment terms an in accordance therewith, the entire remaining balance became due an immediately payable. 6. As a consequence of the foregoing there is presently due and owing to Plaintiff by Defendant(s) the following amounts (see Exhibit "A"): Unpaid Balance: Interest: TOTAL DUE: $20,349.45 $1,155.86 $11 7. Despite repeated demand by Plaintiff, Defendant(s) has/have fa led and refused to pay the aforesaid sum. WHEREFORE, Plaintiff demands that judgment be entered against De endant(s) in favor of Plaintiff in the amount of $21,505.31 together with interest and costs. HAYT, HAYT & LANDAU By: ARTHUR LASHIN Attorney for Plaintiff Capital One Auto Buying'. 5001' makes car-buying easier. Because you're already a Capital One" customer, you qualify for special, low, No Hassle pricing on a huge selection of new and used cars at exclusive partner dealerships near you. Less time at the dealership, a quick buying process, and a great low price all add up to our No Hassle promise when you buy your next car. Low, No Hassle pricing No negotiating needed Huge inventory of new and used vehicles FINANCE Previous Balance Payments 5 Credits CHARGE Transactions New Balance Minimum Payment Due Date $8,092.36 - $8,092.36 + $50.26 + $48.65 = $98.91 $10.00 Jun. 07, 2008 Apr. 15, 2008 - May. 13, 2008 Page 1 of 1 Visa Platinum Account 400344MlOgU5$e ? Your Account Information ? REWARDS" TOTAL REVOLVING CREDIT LINE $8,000.00 TOTAL AVAILABLE REVOLVING CREDIT $7,901.09 CREDIT LINE FOR CASH $2,500.00 AVAILABLE CREDIT FOR CASH $2,497.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 55,401.06 0.03027% L 11.05% $47.41 Cash $211.84 0.04644% L 16.95% $2.85 ANNUAL PERCENTAGE RATE applied this period: 10,75% ® At Your service 1.800.05(-7070 To cal Orcbmer Rebtion orb report a lost or slobs card ® Send payments to Capital One Bk(USA),NA • P. 0. Boot 70884 • Charlotte, NC 28272-0884 Send Inquiries to: Capital Ones P.O. Box 30285 • Sal Lake City, UT 84130-0285 Qr For More Information on your Rewards: Vtsi: www.apitabne.conOmshrewards Cat 1-80422$M1 ® Have a question about a charge on your statement? Please refer to the Biting Rights Summary on the back of your statement or visit www.capitalone.ogm/dimutes KM MY AT rEAA TM AMOUNT Rewards Summary Previous available balance: $171.16 Earned this period: $0.49 (reflects kanseclbna posted during this birng cycb) Available Balance: $122.65 Payments, Credits dr Adlustments 1 05 MAY PAYMENT $8,092.36 Transactions 2 12 MAY GRC'PROACTIV SOLUTION 604235MW CA $48.65 Whether you're in the market for a horse equity loan or you re interested in refinancing, Capital One wil find a home ban solution to fit your needs. We offer great rates, no hidden fees, and you will receive the one-on-one attention of the same personal ban consultant from call to close. Visit www.capitalonehomek)ans.com for more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. C.24311111wov 1 what's in your wallet)` 0 4003447010968586 13 0098918092360010001 New Balance Minimum Payment Due Date C$98.91 $10.00 Jun. 07, 2008 PLEASE PAY AT LEAST THIS AMOUNT 1 Amount Enclosed Capital One Bk(USA),NA Irlrrlrrr)?rlrlrlr?rrl P.O. Box 70664 Charlotte, NC 28272-0884 In)???ulurlrl?ur?nlrlllnrlulrlnlnlnllnlulnllnrll Account Number: 4003-4470-1096.8586 Please print address or phone number changes below using blue or black ink. Home Plprre A7uwrare Hrnrre F-ma#addmss #9013550526191788# MAIL ID NUMBER TONYA HARTZ 42 EAST LOCUST ST 2ND FLOOR nECHANICSB URG, PA ]7055-3836 urlllurlllnnlrlulrlurlrll MG-MIT A Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. 500tPIR Capital One Auto Buying'. I makes car-buying easier. Because you're already a Capital One" customer, you qualify for special, low, No Hassle pricing on a huge selection of new and used cars at exclusive partner dealerships near you. Less time at the dealership, a quick buying process, and a great low price all add up to our No Hassle promise when you buy your next car. Low, No Hassle pricing No negotiating needed Huge inventory of new and used vehicles Previous Balance Payments 6 Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Data $98.91 - $98.91 + $0.50 + $48.65 = $49.15 $15.00 Jul. Olt, 2008 May. 14, 2008 - Jun. 13, 2008 Page 1 of 1 Visa Platinum Account 40034470.10984388 J _?N Your Account Information r ` 0 REWARDS' TOTAL REVOLVING CREDIT LINE $8,000.00 TOTAL AVAILABLE REVOLVING CREDIT $7,950.85 CREDIT LINE FOR CASH $2,500.00 AVAILABLE CREDIT FOR CASH $2,499.00 Finance Charges (Please see reverse for important information) Balance rate Periodc Corresponding FINANCE applied to rate APR CHARGE Purchases $0.00 0.03027% L 11.05% $0.00 Cash $1.11 0.04644% L 16.95% $0.50 ANNUAL PERCENTAGE RATE applied this period: 18.98% 0 Al Your Service 1.000.OW070 To cal customer Relations orb rayon a bat or stolen card 0 Sand payments to: Coital One Bk1USA),NA • P.O. Bw 70894 • Charlotte, NC 28272-0884 A Sand Inquiries to: Capital Ow P.O. Box 30285 • Set Lake City, UT 84130-OM Qe For More information on your Rewards: Vail wnw.cep labro.oomkadvaAards Cat 1-800.2283W1 ® Have a qussdon about a charge on your statement? Please refer to the Bllilg Rights Summary on the back of your statement of visit www caoitalone camldisoules PtM PAY AT IFMr THIS AMOUNT Rewards Summary Previous available balance: $122.65 Earned this period: $0.49 (reflects transactions posted during to bllrrg cycle) Available Balance: $123.14 Payments Credits & Adiustments 1 26 MAY PAYMENT $98.91- Transactions 2 06 JUN GRC'PROACTIV SOLUTION 800.23580M CA $48.65 Whether you're in the market for a home equity loan or you're interested in refinancing, Capital One wil find a home ban solution to fit your needs. We offer great rates, no hidden fees, and you Will receive the one-orlon attention of the same personal loan consultant from call to close. Visit www.capitalonehornebans.com for more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPfrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0!!4: i what's in your wallet?` 0 4003447010968586 13 0049150098910015002 New Balance Minimum Payment Due Date $49.15 $15.00 Jul. Olt, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA Irlrrlrrr?ilrlrrllrrr? P•0• Box 70884 Charlotte, NC 28272-0884 IrrLILrlrrrLllrrdrrlrllLrrLrlrlrrLdrrlL?LrLrIInJI Account Number: 4003-4470.1096-8586 Please print address or phone number charges below using blue or black ink. Abme panne Alum rf r Monr F-maAaddirss #9016650526191783# MAIL ID NUMBER TONYA HARTZ 42 EAST LOCUST ST 2ND FLOOR NECHANICSB URG, PA 17055-3838 rrrnirttnirrrtitirririrrriru EXHIBIT A Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. 00000) Q ? p • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Gall 1-877-476-7939• 500023 Previous Balance Pa nts & Credits FINANCE y? CHARGE Transactions New Balance Minimum Payment Due Date $49.15 - $49.15 + $0.00 + $48.65 = $48.65 $15.00 Aug. 08, 2008 Jun. 14, 2008 -Jul. 14, 2008 Page 1 of 1 •~'• Visa Platinum Account 4009.1470.10688686 Your Account Information nEWARDS' TOTAL REVOLVING CREDIT LINE $8,000.00 TOTAL AVAILABLE REVOLVING CREDIT $7,951,35 CREDIT LINE FOR CASH $2,500,00 AVAILABLE CREDIT FOR CASH $2,500.00 RUM MY AT VAST MS AMOUNT Rewards Summa Previous available balance. $123.14 Earned this period: $0.49 (Wkis transections posed dung this ding cycb) Available Balance $123.63 Payments, Credits & Adiustments 1 02 JUL PAYMENT $49.15- Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $0.00 0.03002% L 11.25% $0.00 Cash $0.29 0.04699% L 17.15% $0.00 ANNUAL PERCENTAGE RATE applied this ported: 0.00% 0 At Your Service 1.600.968.7070 To cal CLsbmer Relations or to report a bst or sb6n card AML Send payments to: Coital One Bk(USA),NA - P.O. Bon 70684 • Chalons, NC 28272-0884 Send Inquiries to: Capital Ow P.O. Bon 30285 - Sol Lake City, UT 84130-0285 .© For More Informadon on your Rewards: ' Visit wmv.cwtabne.caNcaslsewards cat 1•MzN.3W1 ® Have a question about a charge on your statement? Please refer to the Bllirg Rights Summary an the back of your statement or visit www.ce6faloi*.com/dspules Transactions 2 03 JUL GRC-PROACTIV SOLUTION 8170.235-6050 CA $46.65 Whether you're in the market for a home troly ban or you're interested in refinancing, Capital One will find a home ban solution to fit your needs. We offer great rates, no hidden fees, and you will receive the one-on-one attention of the same personal ban consultant from call to close. Visit www.ca0talonehomelmns.com for more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4003447010968586 13 0048650049150015005 CaPhW 7e' I what's in your wallet?' Account Number. 4003-4470-1096-8586 New Balance Minimum Payment Due Date $48.65 $15.00 Aug. 08, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA Illrlllllrlrrirlrrrlll P.O. Box 70884 Charlotte, NC 28272-0884 Inlrllnlnrlrllnrlnlrlllrnlulrlulnlnllninlnllurii Please print address or phone number charges below using blue or black ink. Address Home Aron Alavnare Ahone Finai/address p R9019750526191788tf MAIL ID NUMBER TONYA HARTZ 42 EAST LOCUST ST 2ND FLOOR NECHANICSBURG, PA 17055-3836 rarlliIIIIIInrrillrslrlrnir EXHIBIT A Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. TONYA HARTZ 42 EAST LOCUST ST 2ND FLOOR MECHANICSBURG, PA 17055-3838 You've got things to do...get them done with these Purchase Checks! Thank you for your time, 1 H?rMfN? TR??sh`?10N P. Taylor Jamison Director of Accounts P.S. You can use Purchase Checks just about anywhere! Please remember to use them by September30, 2008. 200494 12763 68-7270/2560 4o6o3ot pay to the ordeer rO of f TONYAHARTZ V O' D $ Dollars Richmond. VA Memo Purchase Check n1127630 1:25607270L1:7S1000054623SI11 just write a Capital OW Dear TONYA HARTZ, Ch k! h P You have things to do. And now you have an easy, convenient Financial tool to help ec • urc ase you get them done-Capital One Purchase Checks.* Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fee! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. © Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest-rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay_less. ,interest. Treat yourself to a night out Consolidate your bills Get cash for things you want and need Want to transfer a balance now? Call 1-800-955-7070 or go online to https.Iltmnsferbalonces.cupitalone.com/of/ers. TONYA HARTZ 42 EAST LOCUST ST 2NDFLOOR MECHANICSBURG, PA 17055-3838 *Please see the reverse for Important Information about using these checks. Date Date Use by September 30, 2008 Signature Use by September3o, 2ooB 40603 200494 12764 68.7270/256o 40603.01 Pay to the order of Dollars Purchase Check Richmond. VA Memo 11112764o, 1:256072?0W:7S100?0S4623Sum EXHIBIT A p Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 3-877-476-7939• 500023 Previous Balance Payments 6 Creditor FINANCE CHARGE Transactions New Balance Minimum Payment Due Date $48.65 - $48.65 + $254.26 + $10,124.52 = $10,378.78 $309.00 Sep. 08, 2008 Jul. 15, 2008 - Aug. 13, 2008 Page 1 of 2 Visa Platinum Account 4010134470-10111114M Your Accountlnformation ARDr TOTAL CREDIT LINE $18,000.10 TOTAL AVAILABLE CREDIT $7,621.22 CREDIT LINE FOR CASH $18,000.00 AVAILABLE CREDIT FOR CASH $7,621.22 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $0.00 0.03082% L 11.25% $0.00 Cash S2,713.74 0.04699% L 17.15% $38.26 ANNUAL PERCENTAGE RATE applied tits period: 42.07% At Your Sw*s • Go OD Y,ww.cadlabna.cum to manage your muounl, or Cat IMO.955-7070 to report a bet or ebhn card or speak 10 Customer Relations 0 Pay Orin ry www.caoeabne.can Of mail your payment b: Capital One Bank (USA), N.A. • P.O. Boot 70684 - Charlotte, NC 28272-0884 Send Inquiries to: Capital One- P.O. Box 30285 • Sat Lake City, UT 84130-0285 © Manage your Rewards online by visiting or Cat 1.800.228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.ceo takme.canl6soutes RLW PAY AT (EAST TM AMOUNT Rewards Summary Previous available balance: $123.63 Earned this period: 53124 (reflocls transactions posted during Nrs billing cycle) Available Balance $154.87 Pay is Credits & Adjustments 1 07 AUG PAYMENT $48.65 Transactions 2 31 JUL MEMBERS 1ST FCU - SKYP MECHANICSBURG PA $5,000.00 3 01 AUG GiC'PROACTIV SOLUTION 800.2356050 CA $48.65 4 01 AUG CARTER LUMBER CARLISLE PA $616.20 5 02 AUG CASH FRONT END FEE FINANCE CHARGE $150.00 6 02 AUG BLOCKBUSTER VIDEO #42109 WINDSOR PARK PA $15.89 7 04 AUG CARTER PEH CARLISLE PA $51.94 6 07 AUG LOWES #02223' MECHANICSBURG PA $131.21 9 07 AUG LOWES #02223' MECHANICSBURG PA $766.74 10 07 AUG OLDE TOWNE BEVERAGE NEW CUMBERLAN PA $31.56 11 07 AUG SHEETZ 00002014 MECHANICBURG PA $26.02 12 07 AUG SUNOCO SVC STATION MECHANICSBURG PA $30.04 13 08 AUG LOWES #02223' MECHANICSBURG PA $699.53 14 08 AUG MEMBERS 1ST FCU - MARK MECHANICSBURG PA $1,000.00 15 09 AUG LOWES #02223' MECHANICSBURG PA $1374 16 09 AUG LOWES 002223' MECHANICSBURG PA $2329 17 09 AUG TURKEY HILL 00187 069 NEW CUMBERLAN PA $10.30 18 09 AUG KMART 4275 MECHANICSBURG PA $25.14 19 10 AUG OLDE TOWNE BEVERAGE NEW CUMBERLAN PA $41.18 20 10 AUG GIANT FOOD 1331 MECHANICSBURG PA $10.46 21 10 AUG GIANT FOOD #253 NEW CUMBERLAN PA $45.56 22 10 AUG BURGER KING #12125 007 ETTERS PA $14.28 23 11 AUG CASH FRONT END FEE FINANCE CHARGE $30.00 24 11 AUG DURON 93316 CUMBERLAND PA $44.69 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4003447010968586 13 0000000048650309004 ' what's In your wallet?' Account Number. 4003-4470-1096.8586 New Balance Minimum Payment Due Date Please print address or phone number charges below using blue or black ink. $10,378.78 E$309.00 Sep. 08, 2008 ^dWess PLEASE PAY AT LEAST Hone Phone Afton &- Prwne THIS AMOUNT bmaxYaddress Amount Enclosed Capital One Bank (USA), N.A. P.O. Box 70884 Charlotte, NC 28272-0884 IIIIIiII lll.Il'IIIII'IIIIIIII 111111 IIIII IIIII'11'I'lllll'lllll'11 #9022750526191783# MAIL ID NUMBER TONYA HARTZ 42 EAST LOCUST ST 2ND FLOOR B ECHANICSBURG, PA 17055-3838 I- III, I. I' I.II.I.11,1...11-IIII.1111.11"I'II.lII,111111L1,11III EXHIBIT A 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. Capi ;;XV ur 500017 • Know your credit limit and the amount of credit available lbr your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $48.65 $254.26 + $10,124.52 $10,378.78 $309.00 Sep. 08, 2008 Jul. 15, 2008 -Aug. 13, 2008 Page 2 of 2 TEASE PAY AT LEAST THIS AMOUNT Transactions (continued) 0 w 25 11 AUG SHELL OIL 57542539509 CAMP HILL PA $3.70 26 11 AUG SHELL OIL 57542538509 CAMP HILL PA $11.89 27 11 AUG SHELL OIL 57542538509 CAMP HILL PA $40.50 28 11 AUG NEWBERRY COMMONS BRANC ETTERS PA $1200.00 29 12 AUG SHEETZ 00002014 MECHANICBURG PA $20.01 30 13 AUG CASH FRONT END FEE FINANCE CHARGE $36.00 EXHIBIT A A Capital One Personal Loan 500918-010 get a great FIXED rate. I FIXED APR from / Loans up to / No Collateral Required 5.99%* $30,000 01 'N © Apply online at capitaloneloans.com I O Call toll free 1-800-369-9212 Reservation Number: 0010488-028438732 A Loan Representative will help you apply Access Code: 109652 Please see Important Product information on reverse for more information. Capti*W, Offer expires: 11123108 Personal Loans FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment $10,378.78 - $566.35 + $332.68 + C:$8,128.93)= $18,274.04 $497.00 Aug. 14, 2008 - Sep. 13, 2008 Page 1 of 2 -{ - REASE MY AT 10M TM AMOUNT Visa Platinum Account 4003.4470.10e685e6 a le fi Your Account Information Q o! x REWARDS TOTAL CREDIT LINE $18,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $18,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 55,774.49 0.03082% L 11.25% $55.17 Cash 59,576.96 0.04699% L 17.15% $139.51 ANNUAL PERCENTAGE RATE applied this period: 29.01% Aj-h At Your Service - Go to www.caoiabne.mm to mange your -nI, or Cat 1.800.955-7070 to report a bst or stohn card or speak 10 Oustomor Relations 0 Pay online at f or mail your payment b: Calr.l One Be* (USA), N.A. • P. 0. Box 70884 - Charlotte. NC 28272-0684 A Send Inquiries to: Capital Ons• P.O. Box 30285 - Sal Lake City. UT 84130-0285 Q Manage your Rewards online by visiting r or Cat 1-800-226-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitak ne.cornldimules Due Date Oct. 08, 2008 Rewards Summary Previous available balance: $154.87 Earned this period: 533.83 (rellects Ireneeclions posted during the biting cycle) Available Balance: $188.70 Pay ments Credits & Adiustments 1 12 AUG CARTER LUMBER CARLISLE PA 563.60- 2 15 AUG LOWES 002223' MECHANICSBURG PA $60.27- 3 15 AUG WAL-MART 111886 SE2 MECHANICSBUR PA $96.28- 4 21 AUG LOWES #DM2Y HARRISBURG PA $38.20- 5 01 SEP PAYMENT $309.00- Transactions 6 11 AUG J & W HARDWARE II ETTERS PA $31.03 7 12 AUG TURKEY HILL #D187 OM NEW CUMBERLAN PA $17.87 8 12 AUG J & W HARDWARE II ETTERS PA $35.78 9 13 AUG LOWES 1102223' MECHANICSBURG PA $611.87 10 13 AUG DURON &3316 CUMBERLAND PA $55.27 11 13 AUG BIG LOTS 0014100014134 CAMP HILL PA $131.29 12 13 AUG MEMBERS 1ST FCU - GIAN NEWCUMBERLAND PA $600.00 13 13 AUG J & W HARDWARE II ETTERS PA $115.29 14 14 AUG WAL-MART #1886 MECHANICSBUR PA $125.97 15 14 AUG BEST LINE EQUIPMENT (3 MECHANICSBURG PA $162.55 16 15 AUG CASH FRONT END FEE FINANCE CHARGE $18.00 17 15 AUG LOWES #02713- MECHANICSBURG PA $32.83 18 15 AUG ATTWO494088400142 800-331.05W TN $61.68 19 15 ALIS WAL44ART #1886 MECHANICSBUR PA $91.95 20 15 AUG BEST BUY 00014787 MECHANICSBURG PA $148.36 21 15 AUG DURON #3316 CUMBERLAND PA $119.50 22 15 AUG DURON 03316 CUMBERLAND PA $13.34 23 15 AUG J & W HARDWARE It ETTERS PA $34.43 24 17 AUG OFFICE MAX MECHANICSBURG PA $149.16 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Q• ()W 1 what's in your walleW 0 4003447010968586 13 0000000309000497008 New Balance Minimum Payment Due Date $18,274.04 C$497.00 Oct. O8, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ` J) Capital one Bank )USA), N.A. P.O. Box 70884 Chart Otte, NC 28272-0884 I'ill"II"?'rllll'?l'II'Plhll'hn'nl"'?llrl?nl4?n'Ir'I Account Number: 4003-4470.1096-8586 Please print address or phone number charges below using blue or black ink. frame Prone AhWmte Phone F-mall address 145) #9025850526191788# MAIL ID NUMBER TONYA HARTZ 334 OLD YORK RD NEW CUMBERLAND, PA 17070-3135 urlllnrlllurlnrllinnrlluullrrlinirlnrllnlulrllrrl DGMIT A 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. Cwx7ta?lj- 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes lees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. Previous Balance Payments 8, Credits FINANCE E Transactions Now Balance Minimum Payment Due Date CHARG C$10,378.78 - $566.35 + $332.68 + $8,128.93 - $18,274.04 $497.00 Oct. 08, 2008 Aug. 14, 2008 - Sep. 13, 2008 Page 2 of 2 PLEASE PAY AT UASr INS AMmMi Visa Platinum Account 480944100.10868588 Your Account Information RlWARDS" TOTAL CREDIT LINE $18,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $18,000.00 AVAILABLE CREDIT FOR CASH $0.00 Transactions (continued) 25 19 AUG REDBOX DVD 2143215 MECHANICSBURG PA $16.96 26 21 AUG VALUE CITY FUR00000927 MECHANICSBURG PA $1,330.82 27 29 Air, ORC'PROACTIV SOLUTION 800-235.6050 CA $46.65 28 29 AUG PENSKE TRK LSG 451710 CARLISLE PA $57.37 29 31 AUG BOSCOVS 00000786 HARRISBURG PA $107.96 30 02 SEP NEWBERRY COMMONS BRANC ETTERS PA $4,000.00 31 04 SEP CASH FRONT END FEE FINANCE CHARGE $120.00 32 13 SEP OVERLIMIT FEE SEP 13, 2008 $29.00 Your account has gone over its credit limit. To avoid additional overlimit fees, Please pay enough to bring your balance below your credit limit immediately, and make sure you remain below your credit limit. Please be sure to account for arty future purchases, fees, and finance charges. Are you interested in refrtancing your current mortgage? Capital One can help. We offer great rates, no Ndden fees, and you will receive the one-on-one attention of the same Personal ban consultant from cal to close. Visit www.capitelonehomeloons.com for more information. EXHIBI 1' A 500008 C what's in yaw wallet? It could happen to anyone. Make sure you pay the amount TONYA HARTZ due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES e payment (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) (D 2008 Capital One Srroicrs, Inc. Capital Onr is a fedrmgy mgistemil seraire nark. All rigbtr r is med. Visa Platinum Account 4003.447a.10N4566 %1 / Your Account Information (JfYO 355 @ REWARDS TOTAL CREDIT LINE $18,000.10 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $18,000.00 AVAILABLE CREDIT FOR CASH $0.00 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment $18,274.04 - $0.00 + $239.13 $64.00 = $18,577,17 $956.00 Sep. 14, 2008 - Oct. 13, 2008 Page 1 of 1 /- PLEASE PAY AT LEAST THIS AMOUNT Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 56,251.02 003266% L 11.9296 $61.25 Cash $12,145.30 0.0488296 L 17.82% $177.88 ANNUAL PERCENTAGE RATE applied this perled: 15.80% O At Your Servke - Go to giNwcoodabne.com to menage your account, orCali 1-NO-955-7070 torepot a bat orstolen card or speak to Customer Reatorts 0 Pay Online at www.ceptabro.com a mail your payment to: Capital One Be* (USA), N.A. - P.O. Box 71083 - Charlotte, NC 28272-1083 A Send Inquiries to: Capital O w P.O. Box 30285 • Sal Lake Cry, UT 84130-0285 .© Manage your Rewards online by visiting or Cat 1-800.228.3001 ® Have a question about a charge on your statement! Please refer to the Billing Rights Summary on the back of your statement or visit www caoitalote-com/disputes Due Date Nov. 07, 2008 YouYe behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. -IMPORTANT NOTICE- Beginning with your December 2006 statement, your Minimum Payment will no longer include transaction fees (non-periodic finance charges), such as Cash Advance fees and Balance Transfer fees. Also, you must pay a minimum payment every biting period you have a balance. This minimum payment is required even if you paid more then the minimum payment or made multiple payments in a previous billing period. Rewards Summary Previous available balance: $188.70 Earned this period: $0.00 (rs%* transectiona posted during this billing cycle) Available Balance: $188.70 Payments, Credits 3 Adlustments Transactions 1 08 OCT PAST DUE FEE $35.00 2 13OCT OVERLIMIT FEE OCT Q.2008 $29.00 Your account has gone over its credit limit. To avoid additional overimit fees, please pay enough to bring your balance below your credil limit immediately, and make sum you remain below your credit limit. Please be sure to account for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAKrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447010968586 13 0000000309000956002 Account Number. 4003-4470-1096-8586 Due Date New Balance Minimum Payment Amount Enclosed Nov. 07, 2008 $18,577.17 $956.00 PLEASE PAY AT LEAST THIS AMOUNT #90288505261917851/ TONYA HARTZ 334 OLD YORK RD NEW CUMBERLAND, PA 17070-3135 rrJllrrrlllrrrLrrlllrrrrrllrrrtlLrllrrlrlrrrllrrLrlrllrr Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. is Pay online anytime-no more checks, stamps or clutter. ® Moving? Change your address online or on the back. ® Help save the planet-Go paperless. 0 Sign up at www.capitalone.com, Capital One Bank (USA), N.A. P•0• Box 71083 Charlotte, NC 28272-1063 Illrllr'I"'lull"Ill'IIIIIII IrrLlrl'll l'I"11111 I'llll'll'llll EXHIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. Ciiu7; whmirs In your wallet? 500015 MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our f= check by phone service or speak to an associate by calling 1.800.955.6600. © 2008 Capital One Services, Inc. Capital One it a federally registered service, mark. All rights reserved Previous Balance Payments & Credits FlNANC FINANCEE Transactions New Balance Minimum Payment Due Date CHARG $18,577.17 - $0.00 + $251.65 + $112.65 = $18,941.47 $1,432.00 Dec. 08, 2008 Oct. 14, 2008 - Nov. 13, 2008 Page 1 of 1 Visa Platinum Account 4003.4470.1068.8588 L, Your Account Information C REWARDS TOTAL CREDIT LINE $18,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $18,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases S6,42736 0.03266% L 11.92% $65.08 Cash $12,327.46 0.04682% L 17.62% $186.57 ANNUAL PERCENTAGE RATE apptted Nda period: 18.10X 41 O At Your Service - Go to www capkabno.com lo manage your accaml, err cat 1-800.955-7070 to report a bar or stolen card a speak to Customer Relations ® Pay Online at www caoitabrie.com or mail your Peyrrrent 17 Capitol One Be* (USA), N.A. - P. 0. Oar 71003 - Charlotte, NC 28272-1083 A Send Inquiries lo: Capital Ors P.O. Box 30285 • Sat Lake City, UT 8413M285 .© Manage your Rewards online by visiting r oCe1t 28 3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the beck of your statement or visit www caoitalone.comldisoutes PLEASE PAY AT LEAST THIS AMOUNT You're behind by two payments. Lers talk. If you're having financial difficulties and can't make your miafmum payment - we want to N.V. Lars work together to find a solution. Rewards Summary Previous available balance: $188.70 Earned this period: $0.49 (relkds transactions posted *Mg tas bring cycle) Available Balance: $189.19 Payments Credits & Adtuatments Transactions 1 130CT GRC'PROACTNSOLUTION 800-235M50CA $48.65 2 07 NOV PAST DUE FEE $35.00 3 13 NOV OVERLIMIT FEE NOV 13, 2006 $29.00 Your account has gone over its credit limil. To avoid additional overimit fees, you shoLdd pay more than the Minimum Payment. Please pay enough to brag your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a pest due fee because your minimum payment was not received by the due date. To avoid INS fee in the future, we recommend that you allow at Weal 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447010968586 13 0000000309001432004 Account Number: 4003-4470-1096-8586 tend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- 941 47 2008 $18 D=08 00 432 $1 = it's fast, easy and secure. . , , . , ® Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT Q Moving? Change your address online or on the back. ® Help save the planet-Go paperless- t/9031950526191788N ® Sign up at www.capitalone.com. TONYA HARTZ 334 OLD YORK RD Capital One Bank (USA), N.A. NEW CUMBERLAND, PA 17070-3135 P.0- Box 71083 Charlotte, NC 28272-1083 EXHIBIT A Irrrlllrrrlllrrrlrrrlllrrrrrllrrrrllrrllrrlrlrrrllrrlrrlrllrrl Illllll,ill,,,,t,l'll'1111111"111111"II'I'Ill'Il"IIIIIIII'I1II Please make checks payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. TONYA HARTZ MAKE A PAYMENT. AND TAKE CONTROL 500310 Ca_?Inyourwellett OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our fee check by phone service or speak to an associate by calling 1.800.955.6600. © 2008 Capital One Servirer, Inc. Capita! One u a frdrrady rrghtered;enafce mark. All rights nerved. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $18,941.47 - $0.00 * $247.49 + $35.00 = $19,223.96 $1,906.00 Jan. 07, 2009 Nov. 14, 2008 - Dec. 13, 2008 Page 1 of 1 Visa Platinum Account 4t1 A47O.iOK 9586 A I d Your Account Information Q t! a5 e REWARDS TOTAL CREDIT LINE $18,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $18,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 56,555.44 0.03266% L 11.92% $64.23 Cash $12,512.35 0.04882% L 17.82% $183.26 ANNUAL PERCENTAGE RATE applied this period: 15.58% O At Your Service • Go to www.eeoA?ne.oom to manage your account, or Cat 14300-955-7070 to report a bet or sbbn card or speak to customer Relations 0 Pay Ordinal at www.cadtabno.con or mail your peymant to: Capital One Be* (USA), N.A. • P. 0. Boot 71083 - Chancre, NC 28272-1083 A Send Inquiries to: Capilal One, P.O. Bede 30285 • Sal Lake City, UT 84130.0285 .© Manage your Rewards online by visiting «Ust 1-fq0.22&3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitalone.comldisoules PLEASE PAY AT (FAST THIS AMOUNT You're behind by three payments. But you can bring your account current by paying the mi mum payment amount on your statement. If you're having financial difficulties and you're feeling overwhelmed - we want to help. Give one of our associates a cal at 1.800.955.6600. You'd be surprised what we can do together to work this out. Rewards Summa Previous available balance : $189.19 Earned this period: $0.00 (retleets transactions posoed during this ding cycle) Available Balance $189.19 Payments, Credits 3 Adlustments Transactlons 1 00 DEC PAST DUE FEE $35.00 Your account has gone over its credit limit. To avoid additional overimit fees, you should pay more than the Minimum Payment. Please pay enough to brag your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past dice fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you slow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447010968586 13 0000000309001906001 Account Number. 4003-4470-1096.8586 Due Date New Balance Minimum Payment Amount Enclosed Jan. 07, 2009 $19,223.96 $1,906.00 PLEASE PAYAT LEAST THIS AMOUNT #9034950526191785# TONYA HARTZ 334 OLD YORK RD NEW CUMBERLAND, PA 17070-3135 nrJllrrrlllrrrLrrlllrrrrJlrrrrlLrllrrlJrrrlLrlrrLllrr Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. © Pay online anytime-no more checks, stamps or clutter ® Moving? Change your address online or on the back. ® Help save the planet-Go paperless. 0 Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, INC 26272-1063 IIIIIII'111"11111' 11'IIIIIII''111111"II'I'lll'll"IIIIIIII'IIII ENMIT A Please make checks payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. TONYA HARTZ Cwhhat's ?n your wallet? TAKE CONTROL OF YOUR CAPITAL ONEO 500011 ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our egg check by phone service or speak to an associate by calling 1.800.955.6600. 10.7008 Capital One Services, Inc. Capital One it a federally mgistemd semire neark. All rights msencrd Visa Platinum Account 40:4470.10964=6 ? Your Account Information RE I WARDS TOTAL CREDIT LINE $18,000.10 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $18,000.00 AVAILABLE CREDIT FOR CASH $0.00 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment $19,223.96 - $0.00 * $226.39 - C$64.003= $19,514,35 $2,362.1X1 Dec. 14, 2008 - Jan. 13, 2009 Page 1 of 1 PLEASE PAY AT (EAST Teas AMOUNT Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE spoked to rate APR CHARGE Purchases S6,651.69 0.02715% L 9.91% $55.98 Cash $12,689.45 0.04332% L 15.81% $170.41 ANNUAL PERCENTAGE RATE applied this period: 14.05% At Your Service • Go to www.caoNabne.mm lo manage your account, 2 or Cat laD-955.7070 to report a bst or stolen card or speak b customer Relations Am& Pay Online at www.c4M@Iro.corn or mail your Payment b: capital ore Bank (USA), N.A. • P. 0. Box 71083 • Charbhe, NC 28272-1083 A Send Inquiries to: Captal One- P.O. Boa 30285 • Sal Lake city, UT 84130.0265 Qa Manage your Rewards online by visiting or (tit 1-800-228.3001 401 Have a question about a charge on your statement? Please refer to the Biting Rights Summary on the back of your statement or visit www.cacitakxre.comIdisputes Due Date Feb. 07, 2009 You're behind by four payments. But you can stilt bring your account current by paying file minimum payment amount on your statement. Need help? Give us a cal at 1.800.955.6600. We'i work together to find a solution. Rewards Summa Previous available balance: $189.19 Earned this period $0.00 (reahcts transactions Posted during this burg cycle) Available Balance: $189.19 Payments, Credits & Adiustments Transactions 1 07 JAN PAST DUE FEE $35.00 2 13 JAN OVERLIMIT FEE JAN 13, 2009 $29.00 Your account has gone over its credit limit. To avoid additional overkmit fees, you should pay more than the Mnmum Payment. Please pay enough to bring your account balance below your credit Ind immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WrTH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447010968586 13 0000000309002362006 Account Number. 4003-4470-1096-8586 Due Date New Balance Minimum Payment Amount Enclosed Feb. 07, 2009 $19,514.35 $2,362.00 PLEASE PAY AT LEAST THIS AMOUNT #9001450526191785# TONYA HARTZ 334 OLD YORK RD NEW CUMBERLAND, PA 17070-3135 nrlllnrlllnrlnrlllnnrllnnllullnlrlnrllnlnlrllu Lend a hand. Save the land. Manage your account online today- it's fast easy and secure. 110 Pay online anytime-no more checks, stamps or clutter. Q Moving? Change your address online or on the back. ® Help save the planet-Go paperless. 0 Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111-111"hill'11'1111111rrllllll"II'i'lll'll"III11111'I111 EMBIT A Please make checks payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. TONYA HARTZ CAI ;;?h.V.-fa your warilet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! 500012 Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 2008 Capital One Services, Inc. Capital One is a federally registered service mask. Allrightr reserivd. Previous Balance Payments 8 Credits FINANCE CHARGE Transactions New Balance Minimum Payment $19,514.35 - $0.00 * $229.71 + $64.00 = $19,808.06 $2,824,00 Jan. 14, 2009 - Feb. 13, 2009 Page 1 of 1 PLEASE PAY AT (FAST THIS AMOUNT Visa Platinum Account 400$4470408841588 Your Account Information ??? w TOTAL CREDIT LINE $18,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $18,000.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 56,772.16 0.02715% L 9.91% 157.00 Cash $12,860.98 0.04332% L 15.61% $172.71 ANNUAL PERCENTAGE RATE applied thk period: 14.04% 0 At Your Service - Go to gin lo manage your account, or Cat 1-800-955-7070 lo report a bet or sbkn card or speak to Customer Rem6ons 0 Pay Online at www.caoltalone com or mail your payment to: OWW One Bank (USA), N.A. • P. 0. Bax 71083 • Charlotte, NC 28272-1083 Send Inquiries to: Capital One, P.O. Box 30285 - Sal Lake City, UT 84130-0285 Q Manage your Retards online by visiting e or Cat 1-800.22 33001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www caoitalone.corrldisoules Due Date Mar. 10, 2009 You're behind by five payments. We've permanently revoked your charging privileges. If you continue to miss payments your account is at risk of being charged off. Please don't let this happen. If you re feeling overwhelmed, cal us at 1.800.955.6600. Weil work with you to resolve this matter. Rewards Summa Previous available balance: $189.19 Earned this period: $0.00 (rerects transec1ims posted during this biting cycb) Available Balance: $189.19 Payments Credits & Adiustments Transactions 1 07 FEB PAST DUE FEE $35.00 2 13 FEB OVERLIMIT FEE FEB 13, 2009 $29.00 Your account has gone over its credit limit. To avoid additional overlain fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was riot received by the due dale. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. - 1 4003447010968586 13 0000000309002824008 Account Number. 4003-4470-1096-8586 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- Mar. 10, 2009 $19,808.06 $2,824.00 ? it's fast, easy and secure. ® Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST Q THISAMOUNT Moving? Change your address online or on the back. ® Help save the planet-Go paperless. }1900455052619178911 sign up at www.capitalone.com. TONYA HARTZ N334 OLD YORK RD Capital One Bank (USA), N.A. EW CUMBERLAND, PA 17070-3135 P.O. Box 71083 Charlotte, NC 26272-1063 II'lllyi,.ll'hhiLl,l'q'1111'Ithlllurl?rl'Ilhl?lrvhrl Illlllt'tilt"IIIII'll'lllllllrrlllltl"II't'lll'tl"llllllll'llll EX fflBI TA Please make checks payable to Capital One Bank (USA), NA, and mail with this coupon in the enclosed envelope. TONYA HARTZ NOT PAYING YOUR DEBT 500013 Ca tInyourwa/let7 DOESN'T MAKE IT GO AWAY. In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our frM check by phone service or speak to an associate by calling 1.800.955.6600. Make sure yoj cal or pay the amour: due en your statement oy the due date to eliminate the risk of be'ng charged off. 02008 Capital Otte Services, btc. Capirl Ow a a federally registered service murk. Ali rip& reserved Visa Platinum Account 40034470.10964588 4 Your Account Information 0 " •• REWABps TOTAL CREDIT LINE $18,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $18,000.00 AVAILABLE CREDIT FOR CASH $0.00 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment C$19,808.06 - $0.00 + $210.36 + $64.00 = $20,082.42 $3,270.00 Feb. 14, 2009 - Mar. 13, 2009 Page 1 of 1 PLEASE PAY AT LEAST Ties AMOUNT Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 56,887.89 0.02715% L 9.91% $52.36 Cash $13,026.35 0.04332% L 15.81% $158.00 ANNUAL PERCENTAGE RATE appred thta perod: 12.60% j1h O At Your Service - Go to nawcadialprieoom lo manage your acoounl, or Col 1-000-955-7070 to report a bst or dohn cad or speak to Cusiomer Rela4cns ® Pay Grin at for mail your payment W. Capital One Be* (USA), N.A. - P. 0. Box 71083 • Chabte, NC 28272-1083 A Send InquNlac to: Capital Or& P.C. Box 30285 • Sal Lake City, UT 84130-0285 Q Manage your Rewards online by visiting r a Oat 1.800.228.3001 Have a question about a charge on your statement? Please refer to Itre Billing Rights Summary on the back of your statement or visit www.caoitalarre.comidisoules Due Date Apr. 07, 2009 YouYe behind by slot payments. If we charge o8 your account due to late or missed payments, finance charges wit continue to accrue. Act now to prevent this from happening. Please pay the minimum payment amount on your statement or give us a call at 1.800.955.8800. Were here to help. Take control of your credit with Capital One. Rewards Summa Previews available balance : $189.19 Earned this period: $0.00 (reflects transactions posted during this Meng cycb) Availatile Balance: $189.19 Payments, Credits & Adlustments Transactions 1 10 MAR PAST DUE FEE $35.00 2 13 MAR OVERLIMIT FEE MAR 13, 2009 $29.00 Your account has gone over its credit limit. To avoid additional overimit fees, you should pay mote than the Minimum Payment. Pease pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4003447010968586 13 0000000309003270005 Account Number. 4003-4470-1096-8586 Due Date New Balance Minimum Payment Amount Enclosed Apr. 07, 2009 $20,082.42 $3,270.00 PLEASE PAY AT LEAST THIS AMOUNT #9007350526191781# TONYA HARTZ 334 OLD YORK RD NEW CUMBERLAND, PA 17070-3135 'I111111'I""II'I'11111'Ilrlyllllllll'Il'Il'Illlllll"PJIuJ Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. ® Pay online anytime-no more checks, stamps or clutter. Q Moving? Change your address online or on the back. ® Help save the planet-Go paperless. 0 Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.0• Box 73083 Charlotte, NC 28272-1063 nlllll'ill"mitt'h'lllpnr'Ihlh"II'I'lll'll"IIIIIIII'lul EJNMIT A Please make checks payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. TONYA HARTZ - i CAPITAL ONE BANK (USA), N.A., Plaintiff, V. TONYA HARTZ Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. Dated: 5h 7 Shawn Wood A088 HAYT, HAYT & LANDAU