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r? '(1-,- P; t Zq,{0 APR 20 F' 1 2. A i%0 I HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 400 Market Street Suite 600 Philadelphia, PA 19106-2513 (215) 928-1400 OUR FILE NO. 318406 CAPITAL ONE BANK 4851 COX ROAD GLEN ALLEN, VA 23060 VS. REYNOLD WOOF 1354 SIMPSON FERRY RD NEW CUMBERLAND PA 17070 LOVINA M WOOF 1354 SIMPSON FERRY RD NEW CUMBERLAND PA 17070 Attorney for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION No. 10 -x587 CIVIL ACTION "NOTICE "You have been sued in oourt. If you wish to defend against the okdm set forth in the kfty rg pages, you must take action within twenty CM days after this oomplaint and notioo are served, by entering a written appowanoe persoraft or by attorney and filing in writing with the oourt your defenses or objections to the claims set forth against you. You are warned that if you MR to do so the case any prooeed without you and a judgment may be en- tered against you by the oourt without further rwdee for any mon- ey clakrad In the oomplahrt or for any other clohn or relief request- ed by the piaintiA. You may lose money or property or other rights important to you. TERM. 3, it T,r-m "AVISO "Le han demandado a usted on Is oorte. Si usted quiere defenderse de sates donerdas expusstas an las pipinas siguientes uded tiere vsinto (20) dies, do piazo al patir do Is feoha do h demands y is nodfloacibn. Hace taft soontar uns oomparencia esorito o an persona o oon un abogsdo y entregar a Is oorte on fours esorito sus defensas o sus objecionss a be demands on contra do su persona. Sea avisado quo sl i ' no se de8endo, is oorte tonard medidas y puede oontin uar Is demands on oc wb suya sin provio aviso o notMoaci6n. Adomis, Is oorte puede deoidir a favor die denandarte y requiere quo usted oumpis oon todas be provisions de sob demands. Listed puede porder dirwo o an propiadedes u oboe derechos importances pare usted. 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 2 LIBERTY AVENUE CARLISLE PA, 17013 717-249-3166 "LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCIbN SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE COMEGUIR ASISTENCIA LEGAL. / c\ $-.qa. oo PO ATI'`1 CK.,# BWgq 0 ayOWo CIVIL ACTION 1. Plaintiff CAPITAL ONE BANK is a business entity securing or collecting debts, with offices located at: 4851 COX ROAD, GLEN ALLEN, VA 23060. 2. Defendant REYNOLD WOOF is an individual residing at: 1354 SIMPSON FERRY RD, NEW CUMBERLAND, PA 17070. 3. Defendant LOVINA M WOOF is an individual residing at: 1354 SIMPSON FERRY RD, NEW CUMBERLAND, PA 17070. 4. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assigned account number 4305721473697253. 5. Defendant(s) subsequently utilized the aforesaid account to make various purchases and/or receieve cash advances, thereby incurring payment obligations to Plaintiff and/or Plaintiff's predecessor in interest. 6. Defendant(s) defaulted by failing to adhere to repayment terms and in accordance therewith, the entire remaining balance became due and immediately payable. 7. 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: $14,757.79 Interest: $.00 TOTAL DUE: $14,757.79 8. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to pay the aforesaid sum. WHEREFORE, Plaintiff demands that judgment be entered against Defendant(s) in favor of Plaintiff in the amount of $14,757.79 together with interest and costs. HAYT, HAYT & LANDAU By: Attorney for Plaintiff EXHIBIT A k ill'O , ; t 4 EXHIBIT A REYNOLD WOOFIR LOVINA M WOOF 1354 SIMPSON FERRY RD NEW CLIMBERLND PA 17070-1556 Usebyio/31/2oo6 11617 o864oo1 NnLL6L4Na j:05L0067781:865L443694253No PLATINUM VISA ACCOUNT AUG 24 - SEP 23, 2006 4305-7214-7369-7253 Pagel of 3 Account Summary Payments, Credits and Adjustments Previous Balance $12,181.02 1 15 SEP PAYMENT' RECEIVED -'I HANKYOU $250.00- Payments, Credits and Adjustments $250.00 Transactions $.00 As of 09/23/06, your current No Hassle Rewards balance is 0. Please note that rewards Finance Charges $71.15 information reported here may not reflect all purchases on this statement or recent redemptions. Simply go online to www.capialone com/poinurewards when you are ready to redeem. New Balance $12,002.17 Minimum Amount Due $240.00 NOTICE: Look for a new statement design for your Capital One credit cad beginning next month. Payment Doe Date October 23, 2006 A summary of the key changes will be provided with your new statement. Total Credit Line $13,100 Total Available Credit $1,097.83 Credit Line for Cash $2,620 Available Credit for Cash $1,097.83 At your service To all CLsmma Rdations or to rgrort a lost or stolen -L 1-800-955-7070 For free online account service and special customer offers, log on to: www.npitsbnaoom Send payments to: Send ingK rift to: Attn: Remittan. Processing Capind One Bonk Capital One P.O. Box 70684 P.O. B. 30285 Chadou4 NC 28272-0884 SLC, L1T 84130-0285 Important Account Wormation Beginning October 1st, 2006, based on your account activity you ma be assessed more than two late, ovedimit, or returned check Z es that occur during any billing period. Finance Charges Pleaerareverie sie farimIoorlantinfwmatim f Babnrraa Penadid Conrpmdisx _ WSJ ? APPRR gp!lird a+ rdr PURC14ASES :12,14298 .0189016 6.9096 171.15 CASH $.00 .0189096 6.90% 5.00 ANNUAL PERCENTAGE RATE applied this period 6.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4305721473697253 23 0000000250000240007 Ae- prmtmadingaddvsr ?? e-TaJrhsngv dv! -mg W u Wani 17.6 New Balance $12,002.17 Minimum Amount Doe $240.00 S- Apc t` Payment Doe Date October 23, 2006 City Slue ZIP Total enclosed $ Home Phone Alrermee Phone Account Number. 4305-7214-7369-7253 Ernd Add- #9026794167540359# MAIL ID NUMBER REYNOLD WOOF JR Capital One Bank i LOVINA M WOOF 1354 SIMPSON FERRY RD P.O. Box 70884 Charlotte, NC 28272-0884 rn . NEW CUMBERLND PA 17070-1556 EXHIBIT A Weave vnitepw acwunt number on your d 5ed a money order madepa)abk to Caudal Ow Bark and mail in thee kved ems *. 0 important notification of a change in terms to your account Please see the important notice included with this statement. It details changes to the: • Minimum monthly payment calculation This change will take effect starting with your December billing period. You cannot decline this chance. 500251 41080 -;;;M- Vlas Platinum Account 4306.7214."00..255 AoHasde Your Accountlnformation Q REWARDS TOTAL CREDIT LINE $13,100.00 TOTAL AVAILABLE CREDIT $3,996.22 CREDIT LINE FOR CASH $2,620.00 AVAILABLE CREDIT FOR CASH $1,503.00 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment $12,830.35 - $3,830.35 3 + $101.78 + $0.00 = $9,101.78 $182.00 Sep. 02, 2008 - Oct. 01, 2008 Page 1 of 1 1. 1 PUASE WP! AT LEAST TM AMOUNT Finance Charges (Please see reverse for important information) Balance rate Periodic Cxrespon6ng FINANCE applied to rate APR CHARGE Purchases 59,292.69 0.03260% 11.90% $90.88 Cash 51,114.53 0.03260% 11.90% $10.90 ANNUAL PERCENTAGE RATE applied Oft period: 11.80% Al Alh Your Service - Go to wxw.caoilabne.mm to mesas your account, - or Cat 1A00"955-7070 to report a bct or stolen cad or speak to customer Rebtions 0 Pay Online at wwcadtebne.com or mail your payment to: Capital One Be* (USA), N.A. - P.O. Box 71083 - Charbtte, NG 28272-1083 A Send Inquiries to: Capital Ow P.O. Box 30285 • Sal Lake arty, UT 84130-0285 Manage your Reviards online by visiting or Cat 1-OZ228.3001 ® 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.caoitelow.eom/disputes Due Date Oct. 27, 2008 Rewards Summary Previous available balance: 1,852 Earned this period: 0 (reflects tmswbcns posted dung this Wetg cycle) Available Balance: 1,652 Payments, Credits & Adiustrnents 1 12SEP ELECTRONIC PAYMENT $3,500.00- 2 19 SEP PAYMENT $330.35 Are you interested in refinancing your current mortgage? Capital One can help. We offer great rates, no hidden fees, and you will receive the one-on-one attention of the same personal ban consultant from Cal to dose. Visit www.capitabnehomeloons.com for more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721473697253 01 9101780330350182006 Account Number. 4305-7214-7369-7253 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- OCt=27,2008 $9,101.78 C $182.00 it's fast, easy and secure. ® Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST ® Moving? Change your address online or on the back. THIS AMOUNT ® Help save the planet-Go paperless. #9027694167540350# Q Sign up at www.capitalone.com. REYNOLD WOOF JR LOVINA R WOOF Capital One Bank (USA), N.A. 1354 SIMPS 0 FERRY RD P.O. Box 71063 NEW CURBERLND, PA 17070-1556 Charlotte, NC 26272-1063 I'II'IIIIIIII'111111'alllll"Illlllllllltttl'Illlll'Illllllllllll III'tt"I"'IIIII"lit'IIIIIIIL.LLI'Ill'I"IIIIII'Iltl'I1'Illl EXHIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. 0000) Visa Platinum Account 4305.7214."1111 253 Your Account Information AMO REWARDS TOTAL CREDIT LINE $13,100.00 TOTAL AVAILABLE CREDIT $1,771.09 CREDIT LINE FOR CASH $2,620.00 AVAILABLE CREDIT FOR CASH $1,503.00 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. Call 1-800-955-7070. _2 FINANCE Previous Balance Payments 6 Credits CHARGE Transactions Now Balance Minimum Payment C$9,101.78 - $321.78 D + $100.73 + $2,448.18 = $11,328.91 $226.00 Oct. 02, 2008 - Nov. 01, 2008 Page 1 of 1 RUM W AT LEAST THIS nMWrr Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 58,852.05 0.03260% 11.90% $89.46 Cash S1,114.82 0.03260% 11.90% $11.27 ANNUAL PERCENTAGE RATE appned this period: 11.60% 11 AIM At Your Service - Go w www.coolabrwoom to manage your account, or Cat 1-00-955-7070 to report a lost or sblen cad or speak to Customer Reletions 0 Pay Ovine at wwwosortalone.oom or mall your payment b: Capital One Be* (USA), N.A. - P. 0. Scot 71 D83 - Charlotte, NC 28272.1083 Send Inquiries to: Capital Orre- P.O. Box 30285 - Sal L" a,(. UT 84130-0286 AMk Manage your Rewards online by visithq «Cet 1-800-228-3001 ® Have a question about a charge on your statement? Please refer to IN Billing Rights Summary on the back of your statement or visit www.capitelore.com/disputes Rewards Summa 501250 Due Date Nov. 26, 2008 Previous available balance: 1,652 Earned this period: 0 (reflects transactions posted during this ding cycle) Available Balance: 1,652 Payments. Credits 6 Adiustmetlts 1 13OCT PAYMENT $321.78- Transactions 2 20 OCT PURCHASE CHECK 12760 18062190 $2,448.18 Are you interested in refinancing your current mortgage? Capital One can help. We offer great rates, no hidden fees, and you will receive the one-on-ore attention of the same personal ban consultant from cal to close. Visit www.cWbioneh obans.com for more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4305721473697253 01 0000000321780226007 Gw? Account Number. 4305-7214-7369-7253 tend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- Nov. 26, 2008 $11,328.91 $226.00 it's fast, easy and secure. 10 Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST Q Moving? change your address online or on the back. THIS AMOUNT ® Help save the planet-Go paperless. #9030794167540353# ® Sign up at www.capitalone.com. REY70LD WOOF JR LOVNA M WOOF Capital One Bank (USA), N.A. 1354 SIMPSON FERRY RD P.O. Box 71083 NEW CUMBERLND, PA 17070-1556 Charlotte, NC 26272-1083 '11111-I-II'Il-r-hrhlnl,ul'nlullllhll-'IPlll'llhl'y-l ulllh-Ill„ulll?lrhlinl"Ilull??ll?i?lll,il„IIIIIIII-IHI EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. J Visa Platinum Account 4305.72147399.7253 Your Account Information REWARDS" TOTAL CREDIT LINE $13,100.00 TOTAL AVAILABLE CREDIT $1,689.42 CREDIT LINE FOR CASH $2,620.00 AVAILABLE CREDIT FOR CASH $1,503.00 Q ? O • 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 1-800-955-7070• J FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment C$11,328.91 - $228.91 1 + $110.58 + $0.04 = $11,210.58 $222.00 Nov. 02, 2008 - Dec. 01, 2008 Page 1 of 1 PUbW R1Y AT LM MS MADUN Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE appfed io rate APR CHARGE Purchases $10,187.93 0.03260% 11.90% $99.64 Cash 51,118.30 0.03260% 11.90% $10.94 ANNUAL PERCENTAGE RATE appled this period: 11.90% At Your Service - G. to ravw.,aal wopm to menage your ¢couM, or Cat 1.800.955-7070 to report a bet or slo on card or speak to Orsbe er NeleBOns ® Pay Online at yw g ,oo$or met your payment io: Capital One Banc (USA), N.A. - P.O. Bea 71003 - Chebhe, NC 28272-1083 A Send Inquiries to: Capital One- P.O. Box 30285 - Sat Lake W UT 84130-0285 ® Manage your Rewards online by visiting or Cat 14022&3001 ® Have a question about a charge on your sbtement9 Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalow.com/disputes Rewards Summa 500258 Due Date Dec. 26, 2008 Previous available balance: 1,652 Earned this period: 0 (reflects transactions posted during this bung cycle) Available Balance: 1,652 Payments, Credits & Adlustments 1 22 NOV PAYMENT $228.91- PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721473697253 01 0000000228910222008 Account Number. 4305-7214-7369-7253 Due Date New Balance Minimum Payment Amount Enclosed Dec. 26, 2008 $11,210.58 $222.00 PLEASE PAY AT LEAST THIS AMOUNT 89033794167540350# REYNOLD WOOF JR LOVINA N WOOF 1354 SIRPSON FERRY RD NEW CURBERLND, PA 17070-1556 I'11II111^'IIIIIIII-I-I-III-I I'III I IhPI11911III-IIIIIII'911' Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. O Pay online anytime-no more checks, stamps or clutter. ® Moving? Change your address online or on the back. ® Help save the planet-Go paperless. ® Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 uIIIII'ill"uhl'h'Id1111"limb"II'1-III-II"Illdlll'IHI EXHIBIT A Please make checks payable to Capital One Bank (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. Call 1-800-955-7070. Rewards Summa FINANCE Previous Balance Payments 6 Credits CHARGE Transactions New Balance Minimum Payment Due late $11,210.58 - $222.00 ? + $126.39 + $1,700.00 = $12,814.97 $254.00 Jan. 27, 2009 Dec. 02, 2008 - Jan. 02, 2009 Page 1 of 1 Visa Platinum Account 43067214-73W7263 Your Account Information REWARDS' TOTAL CREDIT LINE $13,100.00 TOTAL AVAILABLE CREDIT $285.03 CREDIT LINE FOR CASH $2,620.00 AVAILABLE CREDIT FOR CASH $285.03 PLEASE W AT (FAST TM AMOUIfi 500258 Previous available balance: 1,652 Earned this period 0 (m1leGs Transactions posted dung this 6itrag cycle) Available Balance: 1,652 Payments, Credits 3 Adiustments 1 18 DEC PAYMENT $222.00- Finance Charges (Please see reverse for important information) Transactions Balance rate Periodic Corresponding FINANCE 2 16 DEC PURCHASE CHECK 12740 10764920 applied to rate APR CHARGE Purchases $10,998.44 0.03260% 11.90% $114.74 Cash 51,116.61 0.03260% 11.90% $11.65 ANNUAL PERCENTAGE RATE applied this perbd: 11.90% ® At Your Service • Go to mme otstone.com to mamsga your account, or Cat 1-M-955-7070 to report a tost or stolen card or speak to Customer Relations ® Pay Gldine at wistscwtallonecom or mail your payment to: capital Ore Be* (USA), N.A. - P.O. B. 71083 - Charlotte. NC 28272-1083 Send Inquiries to: Capital One- P.O. Box 30285 - Sat Lace Orr, UT 84130-0285 ® Manage your Reviards online by visiting or Oat 1800.228.3001 is Have a question about a charge on your statement? Please refer to 8Te Billing Rights Summary on the back of your statement or visit vrwAv.caoitalone.can/disoules PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrTALONE.COM TO MAKE YOUR PAYMENT ONUNE. $1,700.00 1 4305721473697253 01 0000000222000254005 Account Number. 4305-7214-7369-7253 Due Date New Balance Minimum Payment Amount Enclosed Jan. 27, 2009 $12,814.97 $254.00 PLEASE PAY AT LEAST THIS AMOUNT #9000394167540358# REYNOLD WOOF JR LOVINA R WOOF 3354 SIRPS0 FERRY RD NEW CURBERLND, PA 17070-1556 'L"II'II'I IIIIII - III I- I I I I III--III-111-III IIIIIIII-I"11-IPr6 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 0 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 73063 Charlotte, NC 26272-1063 IIIIIII'III"Itlll'll'IIIIIII"111111"II'I'Ill'II"IIIIIIII'Illl ?XHIBff A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. 00000) Q 40 O • 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. C Ready to transfer? See reverse to learn how. Call 1-800-955-7070. _3 500256 FINANCE Previous Balance Payments & Credits CHARGE Transactions Now Balance Minimum Payment Due Date C$12,814.97 - $254.00 ] + $129.23 + $0.00 = $12,690.20 $256.00 Feb. 27, 2009 Jan. 03, 2009 - Feb. 02, 2009 Page 1 of 1 Visa Platinum Account 430572%73&rA3 Your Account Information REWARDS' TOTAL CREDIT LINE $13,100.00 TOTAL AVAILABLE CREDIT $409.80 CREDIT LINE FOR CASH $2,620.00 AVAILABLE CREDIT FOR CASH $409.80 Finance Charges (Please see reverse for important information) Balance rate Periodic C.xrespondng FINANCE applied to rate APR CHARGE Purchases $11,669.09 0.03260% 11,90% $117,93 Cash $1,118.49 0.03260% 11.90% $11.30 ANNUAL PERCENTAGE RATE applied this perbd: 11.90% j1h O At Your Service • Go to www.c®iatare.,rn to manage your amount, or Cat 1.800.955-7070 to report a lost or stolen card or speak to Oistomer Rabb= 0 Pay Online at www.caoftetne.com or mail your payment to: Capital One Be* (USA), NA - P.O. Box 71083 • C arbtte, NC 28272.1083 A Send Inquiries to: Capital One- P.O. Box 30285 • Sail Lake City, UT 841304YM ® Manage your Rewards online by visiting « Cat 100-228.3001 ® 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.c 'rtalonexam7disoules Rewards Summa RM W AT VAST THE AMOUar Previous available balance: 1,652 Earned this period: 0 (reflects transactions posted during this tiling cycb) Available Balance: 1.652 Payments, Credits & Adiustmenfs 1 23 JAN PAYMENT $254.00- PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721473697253 01 0000000254000256004 Account Number. 4305-7214-73697253 Due Date New Balance Minimum Payment Amount Enclosed Feb. 27, 2009 $12,690.20 $256.00 PLEASE PAY AT LEAST THIS AMOUNT f19003494167540353N REYNOLD WOOF JR LOVINA M WOOF 1354 SIMPSON FERRY RD NEW CUMBERLND, PA 17070-1556 IIII111Yit 4lhIII -I-III - IIII - IIItIIII - II I ?IIIrIII IIIII - rnr 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. ® Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P•0• Box 710NC 63 Charlotte, 28272-1083 III1111-III--IIIII-II-IIIII11.-IIIIII--II'I-III' I1'r11111111 -IIII EXHIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. 5=08 w.Mtt's in your wallet? It could happen to anyone. Make sure you pay the amount REYNOLDWOOFJR due on your statement as soon as possible. WHOOPS! Keeping your credit in good standing can hi k l h d an you t n . o a ot more t GOOD CREDIT = GOOD CREDIT REFERENCES You"re e BETTER INTEREST RATES (good credit could mean lower interest rates) a payment. IMPROVED CHANCES TO GET APPROVED FOR want to buy a home or new car) LOANS (when you m 2008 Capital One ?/ Stryker, Inc. Capital One it a federally rgirtemd Semite mark. All rigb& resen ed. Visa Platinum Account 4305.7214.TMrA3 I H k Your Account Information ??1110 asff REWARDS- TOTAL CREDIT LINE $13,100.00 TOTAL AVAILABLE CREDIT $254.40 CREDIT LINE FOR CASH $2,620.00 AVAILABLE CREDIT FOR CASH $254.40 FINANCE Previous Balance Payments f4 Credits CHARGE Transactions New Balance Minimum Payment $12,690.20 - $0.00 + $116.40 + $39.00 = $12,845.60 $539.00 Feb. 03, 2009 - Mar. 02, 2009 Page 1 of 1 PLEASE PAY AT LEAST Ties AMOUNT 11 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $11,630.07 0.03260% 11.90% $106.16 Cash 51,121.73 0.0326096 11.90% $10.24 ANNUAL PERCENTAGE RATE applied this parlod: 11.90% At Your SwAs - Go to rarw,caukelme mm to manage your amount, - or Cat 1-8S955-1070 to report a rut or slohn card or speak to Cusmmer ReWtons 0 Pay Orin al www.caoaabne.can or mail your payment to: Otto? One Bank (USA), N.A. • P. 0. Box 71083 • Charlotte, NC 28272-1083 Send Inquiries to: Capital One- P.O. Box 30285 • Sal Lake ON, UT 84130-0285 ® Manage your Rewards online by visiting at 1•BW228-3001 ® 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.capitelone.com/disputes; Due Date Mar, 27, 2009 You're 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. Rewards Summa Previous available balance: 1,652 Earned this period: 0 (rethcts transactions posted during this burg cycle) Available Balance: 1,652 Payments, Credits & Adjustments Transactions 1 27 FEB PAST DUE FEE $39.00 "Important Notice- Your account was past due. Under the farms we previously disclosed to you, some or all of your introductory annual percentage rates (AP.R.s) have been increased to your non-introductory rates. If your account is past due again in the next 12 billing cycles, your A.P.R.s may increase. You were assessed a post 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.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721473697253 01 0000000254000539003 Account Number. 4305-7214-7369-7253 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- it's fast, easy and secure. Mar. 27, 2009 $12,845.60 ? $539.00 ? ® Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THISAMOUNT r0 Moving? Change your address online or on the back. ® Help save the planet-Go paperless. #9006294167540354# ® Sign up at www.capitalone.com. REYNOLD WOOF JR LOVINA R WOOF Capital One Bank (USA), N.A. 1354 SINPSON FERRY RD NEW CURBERLND, PA 17070-1556 llrhll'Illll'lil'n'I"Illsrl'rh'hlrlllnllllllr'hl'l,ll P.O. Box 71083 Charlotte, NC 28272-1063 ulllllrlll„uhlrhrldhll"Ilnh'rllrirlll'Il"Illdld'lul Please make diecks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. EXHIBIT A C what's /n your wallet? LET'S TALK - WE'RE HERE TO HELP. 500009 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One® we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. CS'r 2009 Cyvitatl One. Capital One is u federally registered service rnark. AU rigbcr reserved FINANCE Previous Balance Payments 8r Credits CHARGE Transactions New Balance Minimum Payment / Due Date $12,845.60 $246.81 + $78.00 = $13,170.41 $956.00 APr. 2009 Mar. 03, 2009 -Apr. 01, 2009 Page 1 of 1 Visa Platinum Account 4305.7214.711ee•7253 Your Account Information ? 1111WARICIV TOTAL CREDIT LINE $13,100.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $2,620.00 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 $11,834.77 0.06342% D 23.15% $225.17 Cash S1,137.46 0.06342% D 23.15% 0.64 ANNUAL PERCENTAGE RATE applied tMe period: 23.15% At Your Service • Go to www.coolalone.wm to manage your amount, or Cat 1-000.955.7070 to report a oust or sben card or speak to Customer RebOms 0 Pay Online d womewitalxa eom or malyoa payment to: Capital One Bark (USA), N.A. • P.O. Box 71053 - Charlotte, NC 28272.1083 A Send Inquiries to: Capital One• P.O. Boot 30285 • Sal Lake City, UT 84130-0285 ® Manage your Rewards online by visiting or Oat 1?NW-228.3001 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.cao talone.comldsoulas Rewards Summa PLEASE PAY AT LEAST TINS AMIXIM Previous available balance: 1,652 Earned this period: 0 (rarbets trar sacbRls posted during this billing cycle) Available Balance: 1,652 Payments, Credits 3 Adlustments Transactions 1 27 MAR PAST DUE FEE $39.00 2 01 APR OVERLIMIT FEE APR 01, 2009 $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in lire pest 12 billing cycles. If your rates have already increased, subsequent delinquencies extended Ore duration of the increased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account wig be reviewed for a possb(e return to your Non-Introductory APR. Your account has gone ewer its credit limit. To avoid additional o+erimit fees, you should pay more than the Minimum Payment. Please pay enough to brig 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 this fee in the future, we recommend that you aloes at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721473697253 01 0000000254000956007 caw -;? Account Number: 4305-7214-7369.7253 Due Date New Balance Minimum Payment Amount Enclosed Apr. 27, 2009 ($13,170.41 $956.00 PLEASE PAY AT LEAST THIS AMOUNT 119009294167540351# REYNOLD WOOF in LOVINA N WOOF 1354 SINPSON FERRY RD NEW CUNBERLND, PA 17070-3556 II•II'1111•II•,IIIHIIH•Ill?,.tl,,,llyd,llllll'IIII'I'I1111'lll 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 Butter. 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 71083 Charlotte, NC 26272-1063 IIIIIII?IIIr?IIIII?IrIIIIIIIrrIIIIII??IIrI?III?IIrrIIIIIIII?IIII EXHIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. REYNOLD WOOF JR MAKE A PAYMENT. AND TAKE CONTROL lnyourwallet7 OF YOUR CREDIT WITH CAPITAL ONE? wheirs Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2009 Capital One. Capital One is a frderal y registered service mark. All rigbo reserved Visa Platinum Account 4306.7214.73N.TM3 Your Account Information REWARDS' TOTAL CREDIT LINE $13,100.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $2,620.00 AVAILABLE CREDIT FOR CASH $0.00 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment $13,170.41 - $0.00 + $253.03 + $78.00 = $13,501.44 $1,383.00 Apr. 02, 2009 - May. 01, 2009 Page 1 of 1 i --? PLEASE PAY AT IFMT THIS AMOUNT Finance Charges (Please see reverse for important information) Balance rate Periodic Cxrespondng FINANCE applied to rate APR CHARGE Purchases $12,139.44 0.06342% D 23.15% $230.97 Cash S1,159.30 0.06342% D 23.15% $22.06 ANNUAL PERCENTAGE RATE appYed tMs period: 23.15% O At Your Service • Go to www.caoilalgne.wm to manage w exeunt, or Cat 1-000-955.7070 to report a bet or slohn cad or speak lo O stomer Rebbons 0 Pay Online at wwwzwbbno.com or mat your payment to: Capital One Be* (USA), N.A.' P. 0. Box 71063' Charlotte, NC 28272-1063 A Send Inquiries to: Capital One P.O. Box 30285 • Sat Lake City, UT 84130-0285 ® Manage your Rewards online by visiting or Cat 1-000-228.3001 ® Have a question about a charge on your statement) Please refer loft Billing Rights Summary on the back of your statement or visit www.caoitelonne.comicisoules Due Date May. 26, 2009 You're behind by three payments. But you can bring your account current by paying the minimum 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 1.600.955.6600. You'd be surprised what we can do together to work this out. Rewards Summa Previous available balance. 1,652 Earned this period: 0 (reflacts twsecb s posted during this biting cych) Available Balance: 1,652 Payments, Credits & Adlustments Transactions 1 27 APR PAST DUE FEE $39.00 2 01 MAY OVERLIMIT FEE MAY 01, 20O9 $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 biting cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive bung cycles, this account will be reviewed for a possible return to your Non-Introductory APR. Your account has gone over its credit limit. To avoid additional overlimit 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 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.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721473697253 01 0000000254001383008 Account Number. 4305-7214-7369-7253 Lend a hand. Save the land. New Balance Minimum Payment Amount Enclosed Due Date Manage your account online today- ll 501 44 $1 383 00 DMay 26 2 $13 it's fast, easy and secure. . , . . , , IS Pay online anytime-no more checks, stamps or clutter PLEASE PAY AT LEAST THISAMOUNT Moving? Change your address online or on the back. Q ® Help save the planet-Go paperless. #9012294167540356# 0 Sign up at www.capitalone.com. REY70LD WOOF dR LOVNA R WOOF Capital One Bank (USA), N.A. 1354 SINPSON FERRY RD P.O. Box 71083 NEW CURBERLND, PA 17070-1556 I rll'1111'I rr111,lIII??IIII-I-I"11"' I'IIIh,..III'111111'1'I1 Charlotte, NC 2a272-1083 1111111'ill"11111i11'1111111 111111"I1'I'111'11"11111111'1111 Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. EXHIBIT A REYN OLD WOOF J R C hers In your wallet? TAKE CONTROL OF YOUR CAPITAL ONE" 500°11 ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2009 Capital One. Capital Ow u a fiderady ngisterrd wrvicr mark. AN rights rrsenvd. FINANCE Previous Balance Payments & Credits CHARGE Transactions Now Balance Minimum Payment Due Date $13,501.44 - $0.00 t $268.16 _-(:$39.00 = $13,808.60 $1,828.00 I Jun, 26, 2009 May. 02, 2009 -Jun. 01, 2009 Page 1 of 1 Visa Platinum Account 4305-7214."W7283 ?+ D Your Account Information ?? w w r TOTAL CREDIT LINE $13,100.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $2,620.00 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 $12,457.56 0.06342% D 23.15% $244.92 Cash S1,181.94 0.06342% D 23.15% $23.24 ANNUAL PERCENTAGE RATE appaed this perod: 23.15% AT% At Your Swvke • Go to www.cwitabne.oom to manage your account, or Cat IAA-955-7070 to report a bst or ddan card or week to customer Relations Pay online at www.eadtabne.com or mail your payment to: 04NW One Benk (USA), N.A. • P. 0. Box 71083 • Charlotte, NC 28272.1083 Send lngalrfer to: Capital Orr P.O. Box 30285 • Sal Lake City, UT 84130.0285 ® Manage your Rewards online by visiting orCJat I?00-12&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.canitakxte.oem7dsoutes PLEASE PAY AT LEAST TWS AMOUM You're behind by four payments. But you can still bring your account current by paying the 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: 1,652 Earned this period 0 (refbgs transactions posted during this biting dole) Available Balance: 1,652 Payments, Credits & Adiustments Transactions 1 26 MAY PAST DUE FEE $39.00 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 bring your account balance below your credit limit immediately, and make sure your account balance remake below your credit limit. Please be sure the amount you pay accounts for arty future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not recdved 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 Captal One. Your account is now dosed. Charges made prior to your request to dose will still post to your account, but future charges will be declined. If you have a balance, please continue to make payments until your balance reaches $0. Your account wil be reported to the credit bureaus as closed. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPFTALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4305721473697253 01 0000000254001828001 Account Number: 4305-7214-7369-7253 Due Date 1 New Balance Minimum Payment Amount Enclosed Jun. 26, 2009) $13,808.60 $1,828_00 PLEASE PAYAT LEAST THIS AMOUNT #9015394167540351# REYNOLD WOOF JR LOVINA M WOOF 1354 3IMPS 0N FERRY RD NEW CUMBERLND, PA 17070-1556 1,P'IIIn,IIIIIII,fII,Illhlllf'PI-hPIIII-IIIIIIIIIII"'If'l, 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. O Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1063 III III I.III.-IIIII'II-IIIIII 1„IIIIIIrrll.lrlll.ll"III1Il11?1it EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. REYNOLD WOOF JR 5WO12 cwmjx . what's In your wallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 2009 Capital One. Capital One is a federally registered service mark. AU rights reserved. Vise Platinum Account ? 49113.7214731111.7235 Your Account Information REWARDS' TOTAL CREDIT LINE $13,100.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $2,620.00 AVAILABLE CREDIT FOR CASH - $0.00 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment E$1 3,808.60 ) - $0.00 + $265.30 + $39.00 = $14,112.90 $2,273.00 Jun. 02, 2009 -Jul. 01, 2009 Page 1 of 1 i-- --- PLEASE PAY AT LEAST TNS AMOUNT Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $12,739.12 0.06342% D 23.15% $242.37 Cash 51,205.02 0.06342% D 23.15% $22.93 ANNUAL PERCENTAGE RATE appeed INs perlod: 23.13% Al Your Servke - Go m www.caoeabna.mm to m rope yar account, or Cat I-0-.55.7070 to spat a bst or sbbn cad or speak to Customer Relations 0 Pay Onine at wwwzwitabro.com or mat you payment to: GapiEd One Bank (USA), N.A. - P.O. Box 71083 - Chablis, NC 28272-1083 A Send Inquldes to: Caplal One- P.O. Box 30285 • Sal Lake City UT 8, 41 00285 j0k Manage your Rewards online by visiting a Oat 100.228.3001 ® 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.caoitakrnemmldisc ales Due Date Jul, 27, 2009 You're behind by five payments. It 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, call us at 1.800.955.6100. Well work with you to resolve this matter. Rewards Summa Previous oval" balance: 1,652 Earned this period 0 (mr6ds transactions pai;W during this biting cycb) Available Balance: 1,652 Payments, Credits dr Adlustments Transactions 1 26 JUN PAST DUE FEE $39.00 Your account has gone over its credit linil. To avoid additions overimit 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 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. Your account is now closed. Charges made prior to your request to close will still post to your account, but future charges will be declined. If you have a balance, please continue to make payments until your balance reaches $0. Your account will be reported to the credit bureaus as dosed. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAKTALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721473697253 01 0000000254002273009 CRW W_ Account Number: 4305-7214-7369-7253 tend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- _Jul. 27, 200 C$14,112.90 $2,273.00 it's fast, easy and secure. ® Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT ® Moving? Change your address online or on the back. n® Help save the planet-Go paperless. #9018394167540358# 0 Sign up at www.capitalone.com. REY70LD WOOF JR LOVNA M WOOF Capital One Bank (USA), N.A. 1354 SIMPSON FERRY RD P.O. Box 71063 NEW CUMBERLND, PA 17870-1556 Charlotte, NC 26272-1063 I1. 111111.111111111-I--hIIII I I I I I I--IrIIIIII-ull4rmr.r.11 nlllllrlllrrnyl,lrllpul,.llulr-II-I-III-II--IIIIIhI-IIII EXHIBIT A Please make checks payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. REYNOLD WOOFJR Cwhhe 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. © 20U9 Capital One. Gtpital One is a federally registered service mark. All rights reserved. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment _Due Date $14,112.90 - $0.00 3 + $280.26 + $39.00 = $14,432.16 $2,736.00 Aug. 26, 2009 Jul. 02, 2009 -Aug. 01, 2009 Page 1 of 1 Visa Platinum Account l 4305.72%7=-7253 Your Account Information ? U AARDS- TOTAL CREDIT LINE $13,100.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $2,620.00 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 $13,026.99 0.06342% 0 23.15% $256.11 Cash S1,228.55 0.06342% 0 23.15% $24.15 ANNUAL PERCENTAGE RATE appaed NhN period: 23.15% Q At Your Service - Go w q to manage your amount, or Cat 1-000-955-7070 to report a bet or stoltn cad a speek to Oxbw r Hebtions 0 Pay Ortane Of aN,g pOF mail your payment b: Pepdal One Benk (USA), N.A. • P.O. Box 71083 • Chahae, NC 28272-1083 A Send Inquiries to: Caplal Ors P.O. Box 30285 • Sat Lake (Sty UT 8, 4100285 ® Manage your Rewards online by visiting a oat 100-22e-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.capitalone.corrildsoutes PUASE PAY AT (EAST THIS AMOUNT You're behind by six payments. If we charge off your account due to late or missed payments, frrence charges will confine to accrue. Act now to prevent this from happening. Please pay the minimum payment amount on your statement or give us a call at 1.800.955.6600. Were here to help. Take control of your credit with Capital One. Rewards Summa Previous available balance : 1,652 Earned this period: 0 (relbcts tranu cia a posted during this biting cycb) Available Balance: 1,652 Payments, Credits & Adlustments Transactions _ 1 27 JUL PAST DUE FEE $39.00 Your account has gone over its credit limit. To avoid additional overlimit fees, you should pay more than the M nimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remain below your credit limit. Please be sure the amount you pay accounts for arry 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 slow at least 7 business days for your minimum payment to reach Capital One. Your amount is now closed. Charges made prior to your request to close will still post to your account, but future charges will be deemed. If you have a balance, please continue to make payments until your balance reaches $0. Your amount will be reported to the credit bureaus as closed. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrTALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4305721473697253 01 0000000254002736000 Account Number: 4305-7214-7369-7253 Due Date New Balance Minimum Payment Amount Enclosed L Aug. 26, 2009 $14,432.16 C $2,736.00 E= PLEASE PAY AT LEAST THIS AMOUNT #9021494167540351# REY70LD WOOF JR LOYNA N WOOF 1354 SINPSON FERRY RD NEW CUNBERLND, PA 17070-3556 I II1.III"Nllhdn'I111119119111"II'I'r'Id„III III"11. 1'1 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. ® Pay online anytime- o more checks, stamps or clutter. © Moving? Change your address online or on the back. ® Help save the planet-Go paperless. ® Sign up at www.capitalone.com. Capital One Bank 'USA', N.A. P.O. Box 71083 EXHIBIT A Charlotte, NC 28272-1063 1111111,lllrrlllll'IIrIIIIIIIrr111111"II'I'Ill'll"IIIIIIII'Illl Please make checks payable to Capital One Bank (USA), N.A, and mail with this coupon in the enclosed envelope. REYNOLD WOOF JR CAPITAL ONE BANK (USA), N.A., Plaintiff, V. REYNOLD WOOF 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 er knowledge, information and belief. Dated:3//77/40 ,S Shawn Wood A088 HAYT, HAYT & LANDAU ~ - Y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYAN~1 ~-; CIVIL DIVISION ~,.,;' c~_ :.~ CAPITAL ONE BANK VS. REYNOLD WOOF and LOVINA M WOOF -`.;si f:`.~ NUMBER: 10-2587-C~IL ~Rr+I =;; =~ ;~'r .., ~ ; ~ . ~_' .. ~.~ ~: PRAECIPE FOR DEFAULT JUDGMENT AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of Plaintiff and against the Defendant(s) REYNOLD WOOF and LOVINA M WOOF for failure to answer Plaintiff's Complaint, endorsed with twenty (20} day notice to plead, served upon Defendants} on APRIL 24, 2010 and assess damages as follows: Unpaid Balance: Plus Interest: Additional Charges: Plus Attorney's Fees: Less Credits, if any: TOTAL DUE: $14,757.79 $.00 $.00 $.00 $.00 14,757.79 Pursuant to PaR.C.P.237.1, I hereby certify that notice to file this Praecipe was mailed to the above named Defendant(s) and a Attorney of Record (if applicable} on JUNE 07, 2010 and copy/co s of the same is/are attached hereto. pd~/~~0 ~ C~ ayysa3 ,~~t avv ta~~ /l`a~iGr !'l~~c~ riL\ 1 n V L1 L1'1J 1111\ , 1"J U Y V 1 1 \a:/ rr ~- ~ z ~- ~+ Attorney for the Plaintiff HAYT, HAYT & LANDAU, LLC 400 Market Street Z~hin 6th Floor Philadelphia, Pennsylvania 19106 (215) 928-1400 COURT OF COMMON PLEAS AFFIDAVIT OF NON-MILITARY SERVICE CAPITAL ONE BANK STATE OF PENNSYLVANIA - VS - SS REYNOLD WOOF and LOVINA M WOOF COUNTY OF PHILADELPHIA Arthur Lashin, being duly sworn according to Law, deposes and says that he represents the Plaintiff in the above entitled case; that he is authorized to make this Affidavit on behalf of the Plaintiff; and that the above named Defendant(s) is (are} 18 + years of age; the address of Defendant(s) is 1354 SIMPSON FERRY RD NEW CUMBERLAND, PA 17070. Occupation of Defendant(s) is unknown; and the Defendant(s) is (are) not in the Military Service of the United States, nor any State of Territory thereof or its Allies as defined in the Soldiers' and the Sailors' Ciy~l~ Relief Act of 1940 and amendments thereto. ~ / Arthur Lashin, Esquire, Attorney for Plaintiff -~lt~/i0 onotar Sworn to and subscribed be e me this ~~ day of 20 /~ A.D., ~~..- otar is COMMONW~~`M GF pENN5YLVANiA My commi s s i expi re~eNet seat Pubuc Shad Deana OutePhl adelphla County City of philadelPhta, My Commission Expires Tune 27, 2014 Member, PennsY!vanla Assocfatian of Notaries ~'~ ~~ ~~ >. ~~. ~~ ~'~ ~~-..,,~ ...., .,~.,,.«,..A~,.~ ~ '~~,,, ~ Y*`' HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 400 Market Street Suite 600 Philadelphia, PA 19106-2513 (215) 928-1400 OUR FILE N0: 318406 Attorney for Plaintiff DATE: JUNE 07, 2010 ~APITAL ONE BANK 4851 COX ROAD JLEN ALLEN, VA 23060 vs. EtEYNOLD WOOF 1354 SIMPSON FERRY RD KEW CUMBERLAND PA 17070 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION TERM. No. 10-2587-CIVIL TERM NOTICE OF INTENTION TO TXKE DEFAULT PURSUANT TO PA.R.C.P 237.1 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. 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 2 LIBERTY AVENUE CARLISLE PA, 17013 717-249-3166 By: BAR ASSOCIATION HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 400 Market Street Suite 600 Philadelphia, PA 19106-2513 (215) 928-1400 OUR FILE N0: 318406 Attorney for Plaintiff DATE: JUNE 07, 2010 ~APITAL ONE BANK 4851 COX ROAD GLEN ALLEN, VA 23060 vs. LOVINA M WOOF 1354 SIMPSON FERRY RD I~EW CUMBERLAND PA 17070 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION TERM. No. 10-2587-CIVIL TERM NOTICE OF INTENTION TO TI~i~ DEFAULT PURSUANT TO PA.R.C.P 237.1 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. 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 2 LIBERTY AVENUE CARLISLE PA, 17013 717-249-3166 By: T T T T n n !~ /~ T T T T /1TT