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ZJ? l U i ? ix ., u .i..il HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 400 Market Street Attorney for Plaintiff Suite 600 Philadelphia, PA 19106-2513 (215) 928-1400 OUR FILE NO. 321095 CUMBERLAND COUNTY CAPITAL ONE BANK COURT OF COMMON PLEAS CIVIL DIVISION 4851 COX ROAD GLEN ALLEN, VA 23060 Vs. CHARLENE SHUMAN 319 MERCURY DR MECHANICSBURG PA 17050 No. l0 - aQ (D I CIVIL ACTION "NOTICE "You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be en- tered against you by the court without further notice for any mon- ey claimed in the complaint or for any other claim or relief request- ed by the plaintiff. You nay lose money or property or other rights important to you. 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 TERM. a V1 7&M "AVISO "Le han demandado a usted on la oorte. Si usted quiere defenderse de estas demandas expuestas an las pigines siguientes, usted time veinte (20) dias, de plazo al patir de la feota de Is demands y Is notificaci6n. Hace falls asentar una oomparencia escrita o an persona o con un abogado y entregar a la oorte an forma escrita sus defenses o sue objeciones a las denandas an contra de su persona. Sea avisado quo si usted no as defiende, Is corte tomard medidas y puede continuer Is demands on contra suya sin previo aviso o notificaoi6n. Adomfis, Is corte puede decidir a favor del demandante y requiere qua usted cumpla con todas las provisions de esta demands. Listed puede perder dinero o sus propiedades u otros derechos importantes pare usted. "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 DIREGG16N SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. O S *4a.oD PO ATrl C? 990 1 0 ?, ay I ? 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(s) CHARLENE SHUMAN is/are individual(s) residing at: 319 MERCURY DR, MECHANICSBURG, PA 17050. 3. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assigned account number 5291492325963466. 4. 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. 5. Defendant(s) defaulted by failing to adhere to repayment terms and in accordance therewith, the entire remaining balance became due and 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: $23,475.30 $1,173.75 24,649.05 7. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to pay the aforesaid sum. WHEREFORE, Plaintiff demands that judgment Defendant(s) in favor of Plaintiff in the together with interest and costs. HAYT By: be entered against amount of $24,649.05 Attorney for Plaintiff i i 1 i 1( f i CREDIT LINE UP TO $30,000 ,ease select the Platinum MasterCard design you prefer. f you do not check a box, upon approval you wtll receNe the Nurses Platinum MasterCard o-Applicant will receive the same card design as the Primary Applicant. I'A Nurses 12 ? Platinum MasterCard lease select one customization option for your Nurses card If you 'o not check a box we wdl assume you prefer no personalization 1 ? No personalization 12 ? LVN (licensed Vocational Nurse) 3 &PN (Licensed Practical Nurse) 14 ? RN (Registered Nurse) 5. ? CS (Clinical Specialist) 16 ? NP (Nurse Practitioner) [ c J 7202001824304 001 001 Charlene Shuman Please cross oul and 1207 Kings Cir cue"q1"`« PA 17050-7674 bur h i M address if necessary an cs g, ec 1813 Offer Expires. July 12, 2003 SpecUlc Amount to Pay $)3 1 5 0 0. O o 7202-01 L? PrimaryreA "rp?i0. ,-,-ate... ??U 1:1/> YICe/LDate U (0 1 SCE 3 S,gitatu Co-Applicant Date Mrrys, phase provide an Ialom atfon mquested 8011H must sign d lomi apptfcatwn 0% Intro APR Balance Transfer Opportunity (ophonall YESI I (we) want to transfer the following balance(s) immediately, and agree to receive capital One's Privacy Notice later along with other account information. 1 Transfer the amount below froodm my other card/loon balances to my new Capital one account CarKoan Issuer Cl e 11? j5 P I Cn` a YXu? 01,r- See c - I? reerse> 0 0 0 (0 3 s r 3 tev Account Plumber 1j' `? for more transfer opportunities Please see the enclosed Important Disclosures for rates, fees and other cost information. ` _ ?- ,?„„`..?,,,?• _ y -Mm detacl{bere and thorn T - EXHIBIT A Plim Mw CIO&* Is black 111191 Ilk Social Secunty Number Dale of Bath 0AIg1A Home one tToW Annual Household Income (so O*s4 ?t ?-? 3on--R373 $ Soo o mai Fen _ - ' CHARLENE SHUMAN 4o6i DARIUS DR a617 ENOLAPA 17025-1474 Usebyio13112oo6 os640.01 Il0116171i' I:05i006778i:86 5 2 3 2 596 34661I¦ Account S Previous Balance $10,740.42 Payments, Credits and Adjustments $500.00 Transactions $.00 Finance Charges $54.68 New Balance $10,295.10 Minimum Amount Due $308.00 Payment Due Date October 27, 2006 Total Credit Line $23,500 Total Available Credit $13,204.90 Credit Line for Cash $11,750 Available Credit for Cash $11,750.00 At your service To all Cannata Relations or to report a lost or stolen card: 1-800-955-7070 Send payments to: Send ingwries to: Attn: Remitranm Processing C?p?a1 One Bank Capital One P.O. Box 70884 P.O. B. 30285 Chadotm, NC 28272-0884 SLC, UT 84130-0285 Important Account Information Beginning October 1st, 2006, baud on your account activity you may be assessed more than two late, overlimit, or returned check fees that occur during any billing period. PLATINUM MASTERCARD ACCOUNT AUG 28 - SEP 27, 2006 5291-4923-2596-3466 Page 1 of 2 tents, Credits and Adjustments 1 26 SEP CAPPfAL ONE ONLINE ACH PAYMEW $500.00- As of 09/27/06, your current No Hassle Rewards balance is 0. Please note that rewards information reported here may not reflect all purchases on this statement or recent redemptions. Simply go online to www.capitalone.com/pointsrewards when you are ready to redeem. NOTICE: Look for a new statement design for your Capital One credit card beginning next month. A summary of the key changes will be provided with your new statement. Finance Charges formation Please rarmerses4for iorimportantin ran 11almu Prri & C _ ,?N, ? A goplrrd m rats P .f R ?.t1 PURCHASES S11-61 .0353496 12.9096 S.13 CASH S.00 .0353496 12.90% 5.00 SPECIAL TRANSFERS $10,723.05 .01641% 5.99% $54.55 ANNUAL PERCENTAGE RATE applied this period 6.00% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5291492325963466 27 0000000500000308004 New Balance $10,295.10 Minimum Amount Due $308.00 Payment Due Date October 27, 2006 Total enclosed S AccountNu mber. 5291-49232596-3466 Capital One Bank P.O. Box 70884 Illrutoll 111111 11111 Charlotte, NC 28272-0884 P&auprvsl maiing ad?rss anav-maild-grs h! -glv-c black ssk st-t Apt k City Sme ZIP Home Phone Alre- Phone #9027134926386480# NAIL ID NUMBER CHARLENE SHUMAN ,. 4061 DARIUS DR ENOLA PA 17025-1474 F V 'T Please v to your acwwo number on your check or money order made payable to Capital One Bank and mail in the enclosed emxlope. 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 z-800-955-7070. __j 0000011111), L-- Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance Minimum Payment $22,691.16 - $700.00 + $240.32 + $0.00 = $22,231.48 $666.00 Oct. 07, 2008 - Nov. 05, 2008 Page 1 of 1 .M. PUASE W AT ITA5r TH6 AMOUNT MasterCard Platinum Account 5291.4923.2596.3466 _??Has? ( J Your Account Information ` REWARDS TOTAL CREDIT LINE $23,500.00 TOTAL AVAILABLE CREDIT $1,268.52 CREDIT LINE FOR CASH $11,750.00 AVAILABLE CREDIT FOR CASH $1,268.52 500250 Due Date Dec. 01, 2008 Rewards Summary Previous available balance: 33,715 Earned this period: 0 trerbcrs rrensections posted during this biting cycb) Available Balance: 33,715 Payments Credits & Adjustments 1 31 OCT CAPITAL ONE ONLINE ACH PA AuthDate 29-0 CT $700.00- Finance Charges (Please see reverse for important information) Are you interested in refinancing your current mortgage? Capital One can help. We offer great rates, no hidden Periodic Corresponding FINANCE 9alance rate fees, and you will receive the one-on-one attention of the same personal loan consultant from call to close. Visit ate APR CHARGE applied www.capitalonehomek)ans.com for more information. Purchases $22,667.67 0.03534% 12.90% $240,32 Cash $0.00 0.03534% 12.93% $0M, ANNUAL PERCENTAGE RATE applied this period: 12.90% Q At Your Service - Go to w m.cmeabne.com to manage your socount, or Ceti 1M-955.7070 tb report a lost or stolen card or speak to customer Relations ® Pay Online at www.caoitabne.com or mail your payment to: Capital One Bank (USA), ILA, • P.O. Bon 71083 • Charbtte, NC 28272-1083 A Send Inquiries to: Capital One• P.O. Box 30285 • Set Lake City, UT 84130-0285 ® Manage your Rewards online by visiting or Cat 1-800-228-3001 ® Have a ques0on about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitalone.com/disoules PLEASE RETURN PORI ION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 529149232r- 1T_-j Account Number: 5291-4923-2596-3466 Due Date New Balance Minimum Payment Amount Enclosed Dec. 01, 2008 $22,231.48 C $666.00 PLEASE PAY AT LEAST THIS AMOUNT ;963466 05 0000000700000666008 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 planetGo paperless. #9031134926386484# O Sign up at-.capitalone.com. CHARLENE SHUMAN 319 MERCURY DR Capital One Bank (USA), N.A. RECHANICSBURG, PA 17050-5246 P.O. Box 71083 Charlotte, NC 28272-1[163 IIIII'I'IIII'Il'nlrllrlurllllllllrrllulhllllll'll'Ilyllll-II I II I I IIL. I I I atilt rl "n ll' rllll Iln I^II' 'III' I--Ilhlhl'Inl EXHi?'?' Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. O 0 Q • 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 sorrle 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. 000000) Call s-8oo-955-7070. MasterCard Platinum Account 8291.49232598.3466 Your Account Information REWARDS TOTAL CREDIT LINE $23,`500.00 TOTAL AVAILABLE CREDIT $1,454.25 CREDIT LINE FOR CASH $11,750.00 AVAILABLE CREDIT FOR CASH $1,454.25 Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance Minimum Payment $22,231.48 - $666.00 + $236.29 + $243.98 = $22,045.75 $661.00 Nov. 06, 2008 - Dec. 05, 2008 Page 1 of 1 PHASE PAY AT LEAST Tits AMOUNT Rewards Summa 500258 Due Date Dec. 30, 2008 Previous available balance: 33,715 Earned this period. 244 (refigds transactions posted during this bring cycle) Available Balance: 33,959 Payments Credits & Adjustments 1 01 DEC CAPITAL ONE ONLINE PYMT AuthDate 28-N OV $666.00- Finance Charges (Please see reverse for important information) Transactions Balance rate Periodic Corresponding FINANCE 2 21 NOV PHANTOM COMMUNICATION Carlisle PA $50.00 applied to rate APR CHARGE 3 29140V GIANT FUEL 115 MECHANICSBURG PA $26.55 287.66 0.03534% 12.90% $236.29 Purchases $22 4 02 DEC GOOD HOPE FAMILY PRACT SOUTH ENOLA PA $300 , Cash $0.00 0.03534% 12.90% $0.00 5 02 DEC PETCO 1891 63518914 MECHANICSBURG PA $118.97 ANNUAL PERCENTAGE RATE applied this period: 12.90% 6 03 DEC WEGNIANS #45 002 MECHANICSBURG PA $18.46 marwga yar account, Q At Your Service - Go to www.croitebne.com to or cat 1-800-955.7070 to report a bsl or stolen card or speak to Customer Relations ® Pay Online at www.caoftabne.com or mail your payment lo. Captal One Bank (USA), N.A. • P. 0. Box 71083 • Charbtte, NC 28272-1083 Send Inquiries to: Captal One' P.O. Box 30285 • Sal Lake city, UT 84130-0285 jft Manage your Rewards online by visiting r,n'111111 . mmfpnint.-dc or Cat 1.800-228.3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summay on the back of your statement or visit www capitalone.com/disculesi RETURN PORTION BELOW WfTH PAYMENT OR LOG ON TO WWW.CAPfrALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 5291492325963466 05 0000000666000661005 Carpi Accoun t Number: 5291-4923-2596-3466 Due Date New Balance Minimum Payment Amount Enclosed Dec. 30, 2008 $22,045.75 $661.00 PLEASE PAY AT LEAST THIS AMOUNT #9034134926386481# CHARLENE SHUMAN 319 MERCURY DR MECHANICSBURG, PA 17050-5246 III I,111,11...1.1„111,111111111"nllf,111f1fI'll llPll 11„III. Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Q Pay online anytime-no more checks, stamps or clutter. 0 Moving? Change your address online or on the back. ® Help save the planet-Go paperless. O Sign up at w .capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111-116-1 If 11.11 '1111116.111111- 11. 1111111-1111 EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 500008 ' ?,,x-=%n you, -&/let? it could happen to anyone. Make sure you pay the amount CHARLENE SHUMAN due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS M do a lot more than you think. GOOD CREDIT= GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES (good credit could mean lower interest rates) e payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) (1) 2008 Capital Orw .Smiicr..s, lrrc. Capital one it a federally rzgw-d -i, mark. AU +ighu reamed. Previous Balance Payments & Credits d $22,045.75 I - $600.00 Dec. 06, 2008 - Jan. 05, 2009 FINANCE CHARGE Transactions New Balance Minimum Payment + $249.53 + $1,215.92 = $22,911.20 $1,148.00 Page 1 of 2 PLEASE PAY AT t AST THIS AMOUNT MasterCard Platinum Account 5291.4923-2596.3466 _ ?? ?\J Your Account Information REWARDS TOTAL CREDIT LINE $23,500.00 TOTAL AVAILABLE CREDIT $588.80 CREDIT LINE FOR CASH $11,750.00 AVAILABLE CREDIT FOR CASH $588.80 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding RNANCE applied to rate APR CHARGE Purchases $22,776.69 0.03534% 12.90% $249.53 Cash $0.00 0.03534% 12.90% $0.00 ANNUAL PERCENTAGE RATE applied tltk pedod: 12.90% Q At Your Service • Go to rmw.caohsbw.wm to manage your account, or Cat 1-800-955-7010 to report a bst or sPolen ;are or speak to Customer Reletions ® Pay Online at-cacitabne.com a mail yae Payment to. Capital One Bank (USA), N.A. • P.O. Box 71083 • Charbtle, NC 28272-1083 Send Inquiries to: Capital Ors P.O. Box 30285 • Sat Lake qty. LT 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 caoitalone.comldisoules Due Date Jan=30,2009 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. "Important Notice" Your account was past due. Under the terms we previously disclosed to you, if your account is past due again in the next 12 billing cycles, your Annual Percentage Rates (APRs) may increase. Rewards Summary Previous available balance. 33,959 Earned this period' 777 (reflects transactions posted during this bltng cycle) Forfeited this period. 777- Available Balance . 33,959 Payments Credits & Adjustments 1 08 DEC CAPITAL ONE ONLINE PYMT AuthDato 06-D EC $200.00- 2 09 DEC PHANTOM COMMUNICATION Carlisle PA $400.00- Transactions 3 04 DEC SEARS ROEBUCK 2624 CAMP HILL PA $14.99 4 05 DEC WM SUPERCENTER MECHANICSBURG PA $4.05 5 05 DEC HAMPDEN TOWNSHIP MECHANICSBURG PA $50.00 6 05 DEC GIANT FUEL #5 MECHANICSBURG PA $27.75 7 05 DEC GIANT FOOD 1005 MECHANICSBURG PA $9.85 8 05 DEC CVS PHARMACY #1639 Q03 MECHANICSBURG PA $40.00 9 05 DEC REIMAX REALTY ASSOC.,I CAMP HILL PA $390.00 10 06 DEC GIANT FOOD #005 MECHANICSBURG PA $24.49 11 06 DEC GIANT FOOD #005 MECHANICSBURG PA $50.90 12 06 DEC BALLOONS 8 MORE LEMOYNE PA $55.78 13 06 DEC DA VINCI ITALIAN EATER MECHANICSBURG PA $90.100 14 08 DEC PCS - WEST SHORE MECHANICSBURG PA $19.11 15 08 DEC PHANTOM COMMUNICATION Carlisle PA $400.00 16 30 DEC PAST DUE FEE 539.00 PLEASE RETURN PCI TON BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 5291492325963466 05 0000000200001148009 Account Number: 5291-4923-2596-3466 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- Jan. 30, 2009 $22,911.20 0$1,148.00 it's fast, easy and secure. Q Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT 0 Moving? Change your address online or on the back. ® Help save the planet , Go paperless, #900063 4926386480# B Sign up at www.capitalone.com. CHARLENE SHUMAN 319 MERCURY DR Capital One Bank (USA), N.A- MECHANICSBURG, PA 17050-5246 I'??ll'll'1111'llll?'1111111111'I?lllll?l?'ll'I('Ill?rlllrllll?l P.O. Box 71083 Charlotte, NC 28272-1083 I II I I Illrr I I 1 11 1'llll "11' 'ill' 1"111 ll 11 1' 'l 1111 ' " 1 1 11 I II 1 I l I 11 EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Cap ur 500017 • Know your credit limit and .he amount of credit available for your use. • Maintain a good credit history-it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. Minimum Payment Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance $22,045.75 - $600.00 + $249.53 + $1,215.92 $22,911.20 $1,148.00 Dec. 06, 2008 - Jan. 05, 2009 Page 2 of 2 PLEASE PAY AT I MT THIS AMOUNT MasterCard Platinum Account 5291.4923.2596-3499 hN0HaS3k Your Account Information " REWARDS" TOTAL CREDIT LINE $23,500.00 TOTAL AVAILABLE CREDIT $588.80 CREDIT LINE FOR CASH $11,750.00 AVAILABLE CREDIT FOR CASH $588.80 Due Date Jan. 30, 2009 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. EXHIBIT A Gapi what's In your wallet? LET'S TALK - WERE HERE TO HELP. 500009 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One;"' we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. <U 2008 Capital One Services, Inc. Capital One is a federally registered service mark. All r:gbts reserved Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Date $22,911.20 - $0.00 + $252.43 * $39.00 = =$23,202.63 $1,844.00 Mar. 02, 2009 Jan. 06, 2009 - Feb. 05, 2009 Page 1 of 1 PLEASE PAY AT :FAST THIS AMOUNT MasterCard Platinum Account 5291.4923.2596.3468 ??/ _hNo Has* Your Account Information REWARDS TOTAL CREDIT LINE $23,500.00 TOTAL AVAILABLE CREDIT $297.37 CREDIT LINE FOR CASH $11,750.00 AVAILABLE CREDIT FOR CASH $297.37 You're behind by two payments. Let's talk. If you're having financial difficulties and can't make your minimum payment - we want to help. Let's work together to find a solution. "Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $23,041.93 0.035348/o 12.90% $252.43 Cash $0.00 0.03534% 12.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 12.90% Q At Your Service . Go to www.caprabne.oom to manage your account. or Cat 1-800-955-7070 to report a lost or stolen card or speak to Customer Relations ® Pay Online at www.cadtabne.wrn or mail your payment to. Capital One Bark (U5A), N.A. • P.O. Box 71083 - Charlotte, NO 28272-1083 A Send Inquiries to: Captal 0- P.O. Box 30285 • Sat Lake City, UT 84130.0285 ® Manage your Rewards online by visiting a 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 cavitalone.com/disputes Rewards Summa Previous available balance' 33,959 Earned Ihis period. 0 (refbcls transactions posted during this ding cycle) Available Balance 33,959 Payments Credits 8 Adjustments Transactions 1 30 JAN PAST DUE FEE $39.00 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 ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492325963466 05 0000000200001844006 coiia?ift Accoun t Number: 5291-4923-2596-3466 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- 63 202 2009 $23 02 Mar 844 00 $1 it's fast, easy and secure. , . , . . , 0 Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST 0 Moving? Change your address online or on the back. THIS AMOUNT ® Help save the planet - Go paperless. #9003734926386485# 0 Sign pat www capitalone.com. CHARLENE SHUMAN Capital One Bank (USA), N.A. 319 MERCURY DR MECHANICSBURG, PA 17050-5246 I"'111111'1111111111111111111111111'1111'11111"'I"1'11'11111'1 P. 0, Box 71083 Charlotte, NC 26272-1063 1111111'111"11111'11'1111111"111111"11'1'111'11"11111111'IIII Please make cheats payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A CHARLENE SHUMAN Gapi wflat's !n your wallet? LET'S TALK - WE'RE HERE TO HELP. 5OW09 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One,' we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. (0 2003 Capital One Services, inc. Capital One is a federally registered service rra14. All right; renewed. Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Date $23,202.63 - $461.00 + $227.32 + $39.00 = $23,007.95 ) $2,073.00 Ma=30,2009 Feb. 06, 2009 - Mar. 05, 2009 Page 1 of 1 PEASE PAY AT tfASTTHIS AMOUNT MasterCard Platinum Account 5291.49232596.9466 _,AI Hask Your Account Information ? REWARDS- TOTAL CREDIT LI N E $23,500.00 TOTAL AVAILABLE CREDIT $492.05 CREDIT LINE FOR CASH $11,750.00 AVAILABLE CREDIT FOR CASH $492.05 You're behind by two payments. Let's talk. It you're having financial difficulties and can't make your minimum payment -we want to help. Let's work together to find a solution. "Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fad to keep your account in good standing, Capital One reserves the night to raise your APRs in the future. Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE appled to rate APR CHARGE Purchases $22,972.37 0.03534% 12.90% $227.32 Cash $0.00 0.03534% 12.90% $C.00 ANNUAL PERCENTAGE RATE applied this period: 12.90% Rewards Summary Previous available balance' 33,959 Earned this period. 0 (reflects transactions posted during this bung ccle) Available Balance 33,959 Payments Credits & Adiustments 1 13 FEB DIRECT DEBIT PAYf.4E[47 $40"1 O101 Q At Your Service • Go to ymmcmitabne.com to manage your axount, or Cat 1-800-955-7070 to report a fast or stolen card or speak to Customer Transactions Relations 2 02 MAR PAST DUE FEE $39.00 ® Pay online at nww caoitabne.oom or mail yur payment to. You were assessed a past due fee because your minimum payment was not received by the due date. To Capital One Bank (USA), N.A. • P.O. Box 71083 - Charbtte, NO avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum 28272483 payment to reach Capital One. A Send Inquiries to: Capital One• P.O. Box 30285 - Sat Lake City, UT 84130-0285 Manage your Rewards online by visiting or Cat 1AW-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summay on the back of your statement or visit www caoitalone.comldisoules PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 5291492325963466 05 0000000461002073000 Capil Account Number: 5291-4923-2596-3466 Due Date New Balance Minimum Payment Amount Enclosed Mar. 30, 2009 $23,007.95 $2,073.00 PLEASE PAY AT LEAST THIS AMOUNT #9006534926386486# CHARLENE SHUMAN 319 MERCURY DR MECHANICS BURG, PA 17050-5246 Inlrrr,Illrrrlrldrllrrrlrlll,rrllrllrrlllrlllllrrllllrlrrllrrlr Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Q Pay online anytime-no more checks, stamps or dutter. 0 Moving? Change your address online or on the back. ® Help save the planet - Go papcdess. Q Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, INC 28272-1083 lllllll?lll"IIIII?II?lllllll??llllllrrllrlrlllrll?rllllllllrllll EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. CHARLENE SHUMAN Capita/ what's in your wallet? MAKE A PAYMENT. AND TAKE CONTROL 500010 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 free check by phone service or speak to an associate by calling 1.800.955.6600. 2009 C.apiral One. Capital One is a federally registered seam e rrarr6. All rigbi, rrrrrrred Previous Balance Payments & Credits FINANCE CHARGE __.._ Transactions New Balance Minimum Payment Due Date / $23,007 95 \?- $500.00 + $257.30 ?+ $39.00 $22,804.25 S2,257.00 May. 01, 2009 Mar. 06, 2009 - Apr. 06, 2009 Page 1 of 1 PLEASE PAY AT IEASr THIS AMOUNT MasterCard Platinum Account 5291.49232596.3466 Your Account Information TOTAL CREDIT LINE TOTAL AVAILABLE CREDIT CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH You're behind by three payments. But you can bring your account current by paying the minimum C/ payment amount on your statement. If you're havinc financial difficulties and you're feeling werwhekned- REWARDS we want to help. Give one of our associates a call at 1.800.955.5600. You'd be surprised what we can do I together to work this out. $23,500.00 $695.75 $11,750.00 $695.75 Finance Charges (Please see reverse for important information)NANCE Balance rate Periodic Corresponding F applied to rate APR CHARGE Purchases $22,751.97 0.03534% 12.90% $257.30 Cash $0.00 0.03534% 12.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 12.90% "Important Notice" Under the terms see previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fail to keep your account in good standing, Capital One reserves the richt to raise your APRs in the future. Rewards Summary Previous available balances 33,959 Earned this period- 0 (rellacls transactions posted during this ?ring cT6 Available Balances 33,959 Payments Credits & Adjustments 1 13 MAR DIRECT DEBIT PAYMENT $500.00- At Your Service-Go to wmicmitabriaroo tornmeWyoureccounl, Transactions QO or Cat 1 00-955.7070 to report a bsl or stolen card or speak It, Oustomer 2 30 MAR PAST DUE PEE $39.00 Rektions ® Pay Online at i ww cadtabne.wm or mail your payment to. Capital One Bank (USA), N,A. • P.O. Box 7108? • Charms. NO 28272-1083 A Send Inquiries to: You were assessed a past due fee because your it minwm payment was not received by the due date. To C:apial Onw P.O. Box 30285 • Sal Lake Oty, LT 84130-0285 avoid this fee in the future, we recem in and that you allow al least 7 business days for your minimum /ft payment to reach Capital One. V Manage your Rewards online by visiting or Cat 1.80228-3001 ® 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 caeitalone.comkisoules PLEASE RETURN PORFION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPI IALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 5291492325963466 05 0000000500002257001 Or CMWI Account Number: 5291-4923-2596-3466 tend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- -- (-- May. 01 2009 l- $22,804.25 $2257.00 I • it's fast, easy and secure. l , \- _ t, _ _ -_ - utter. © Pay online anytime-no more checks, stamps or c PLEASE PAY AT LEASE Moving? Change your address online or on the back. 0 THIS AMOUNT ® Help save the planet --Go paperless, #9009734926386489# . sign up at wvrvvcaprtaione-corn CHARLENE SHUMAN Capital One Bank (USA), N.A. 319 MERCURY DR MECHANICSBURG, PA 17050-5246 "'I"I'1111'111111'1"1'11111'111"'I'Illllllll""1111111111111 P.O. Be 71083 Charlotte, NC 28272-1063 I II.. I I III.. I I 111111 'I II 11' I'llii 1111 I"11' '111' 1"11111111'1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A CHARLENE SHUMAN Capital what's in your wallet? soooto 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 free check by phone service or speak to an associate by calling 1.800.955.6600. O 2009 Capital Ora. Capital One it a?r[/cmlly +egi rrrd ;er+.i:'r urnrk. A(J ngbtF ""'ved. Previous Balance Payments & Credits FINANCE Transactions Now Balance Minimum Payment Due Date --_CHARGE - - $22,804.25 I- $500.00 + $230.33 $39.00 $22,573.58 $2,434 00 {May. 30, 2009 Apr. 07, 2009 - May. 05, 2009 Page 1 of 1 PI CASE IAA AT LEAST THIS AMOUNT MasterCard Platinum Account You're behind by three payments. Bcl you can bring your account current by paying the minimum 5291.4923.2596.3466 payment amount w your stalcmenl. II you're having 8nanaal difficulties and you're feeling overwhelmed- Your Account Information ' REWARDS we want to help Give one of our as<criales a call at 1 BOO.°55.6600. You'd be surprised what we can do together to work this out. TOTAL CREDIT LINE $23,500.00 I TOTAL AVAILABLE CREDIT $926.42 "Important koh,ce" Under the terms vrc prevrousty disclosed to you, your account is now eligible for an CREDIT LINE FOR CASH $11,750.00 increase in Annual Percentaee Rates (A.PRs) effective immediately. However, Capital One has elected AVAILABLE CREDIT FOR CASH $926.42 not to raise your APRs at this time. Please he advised tha' if you fail to keep your account in good standing, Capital One reserves the nyht to,aise yo??i APRs in the future. - - ---- Rewards Summary 'Finance Charges (Please see reverse for important information) Previous available balance 33•959 Balance rate Periodic Corresponding FINANCE Earned this period: 0 applied to rate APR CHARGE (rellacts Iransactk r,s posted during llr hNlin3 ye,,) 959 33 Purchases $22,473.97 0.03534% 12.90% $230.33 , Available Balance Cash $0.00 0.035349'0 12.90% $0.00 & Adjustments Payments Credits ANNUAL PERCENTAGE RATE applied this period: 12.90% ., 1 10 APR DIRECT DEBIT PAYMENT $500.00- At Your Service - Go to vnNicgritabne.eom to matew your account, Transactions 0 - or Cat I M-955-7070 to report a last or stolenoardor spa* to GLstomer 2 01 MAY PAST DUE FEE $39.00 Relations Pay Online at-cadtabne.oom or mail your payment to. Capital One Bank (USA), N.A. • P.O. Box 71083 • Charbtte. NO ® 28272-1083 A Send Inquiries to: You were assessed a past due fee because your mininn;m payment was not received by the due dale. To Capital 0- P.O. Box 30265 - Sal Lake City, LT 84130.0285 avoid this Inc in the future, we recommend that y,ru allnw at least 7 business days for your minimum payment to reach Capital Cne. ® Manage your Rewards online by visiting a 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 caoitalone cam/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 10 WWW.CAPITALONL.COM TO MAKE YOUR PAYMENTONUNE. 1 5291492325963466 05 0000000500002434007 GW" T"" Account Number: 5291-4923-2596-3466 Due Date New Balance Minimum Payment Amount Enclosed May. 30, 2009 $22,573.58 ( 62,434.00 I PLEASE PAY AT LEAST THIS AMOUNT N9012634926386486H CHARLENE SHUMAN 319 MERCU DR MECHANICSRY BURG, PA 17050-5246 1111'11111111111111111111111'II'IId IIrIIlrlr11-11r11rIIIIrrIN Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Q Pay online anytime-no more checks, stamps or clutter. 0 Moving? Change your address online or on the back. e Help save the planet -Go paperless. Q Sign up at www. capilalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111'ill"u1II'Irllllul"IIn11"II?I?Ill?llr?llllllllrlnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A CHARLENE SHUMAN GaprtAl collet s}in your wallet? MAKE A PAYMENT. AND TAKE CONTROL 500010 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 free check by phone service or speak to an associate by calling 1.800.955.6600. 01 2009 Capital One. Capital One it a fedns((7 ,-esirtere?7 ?en-rirz nr,nF. /I// righar, --,-,ed. Previous Balance Payments 8 Credits FINANCE CHARGETransactions New Balance Minimum Payment Due Date $22,573.58 ?- $500.00 * $343.14 + $39.00 $22,455.72) $2,607.00 Jun. 30, 2009 May. 06, 2009 - Jun. 05, 2009 Page 1 of 1 MasterCard Platinum Account 5291.492325963466 cvvM ' as* Your Account Information REWARDS TOTAL CREDIT LINE $23,500.00 TOTAL AVAILABLE CREDIT $1,044.28 CREDIT LINE FOR CASH $11,750.00 AVAILABLE CREDIT FOR CASH $1,044.28 Finance Charges (Please see reverse for important information r Balance rate Periodic Corresponding FINANCE I applied to rate APR CHARGE Purchases $22,571.44 0.04904% D 17.90% $343.14 (Cash $0.00 006822%D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 17.90% PLEASE PAY AT LEAST THIS AMOUNT You're behind by three payments. 3,.1 you can bring your account current by paying the minimum payment arncunl on your stalemerd. If you're having financial difficulties and you're feeling overwhelmed- we want in help- Give one of our as_ miates a call at 1.800 955.6600. vou'd be surprised what we can do together to work )his out. "Important f,otire" Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Flease be advised that if you fail to keep your account in good standing, Capital One reserves the nght to raise your APRs in the future. Rewards Summary Previous a arable balances 33,959 Earned this prod 0 (reflects l a s :t 1-lad dicing rr rs kl rg c)6-,: Available Balanrn 33,959 Payments Credits & Adjustments 1 26 %4,Y CAPITAL ONE ONLINE PYMT AuthDate 26-M AY $500.00- Q AL Your Service • Go to wvro.cmitabne.com to manage your accent, Transactions or Cat 1-800-955.7070 tore" a bst or slohn :and or speak to customer 2 30 MP,Y PAST DUE F FF $39.00 Relations 0 Pay Online at www cadlabne.com or mail your payment to. Capital One Bank (USA), N.A.' P.O. Box 710&: • Charbtle, No 28272-1083 A Send Inquiries to: Caplal One• P.O. B..30285- Sal Lake Qty, LT 84130-0285 Aft Manage your Rewards online by visiting nytsM°-mn. t_d' 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 caoitalone.com/oiSQUIes You were assessu+l a past due tee Lecause your minimum pay rnent was not received by the due dale. To avoid this foe in the future, we recommend that you allow at least 7 business days for your minimum payment to ,each Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 10 WWW.CAPI1ALONL.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492325963466 05 0000000500002607008 Account Number: 5291-4923-2596-3466 Due Date New Balance Minimum Payment Amount Enclosed 1 Jun 30, 2009 ( $22,455.72 $2,607.00 PLEASE PAY AT LEAST THIS AMOUNT #9015734926386481# CHARLENE SHUMAN 314 MERCURY DR MECHANICSBURG, PA 17050-5246 rlJlllrllrllllllll'I1r1i11y11"Inl"lll'I11111'I1111111111'Il' 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. Q Mcvrngl Change your address online or on the back. 0 Help s-o the planet ---Go papcrless Q Sign up at www. capitaione.com. Capital One Bank ILISA), N.A. P.O. Box 71083 Charlotte, INC 28272-1053 fill 11, Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A CHARLENE SHUMAN TAKE CONTROL OF YOUR CAPITAL ONE@ C P"al ACCOUNT AND KEEP IT FROM BEING 7,w sTnyourwaffet? 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. 500011 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. C'J 200,9 Capital One. Capital One is n le ?enx'p rxoiurred .rrruice rn?u k, rll.' rign'tr rererued. FINANCE Previous Balance Payments & Credits. CHARGE $22,455.72 $500.00 + $342.32 Jun. 06, 2009 - Jul. 06, 2009 Page 1 of 1 MasterCard Platinum Account 5291.49232596.3466 Q?IWHessle Your Account Information REWARDS TOTAL CREDIT LINE $23,500.00 TOTAL AVAILABLE CREDIT $1,162.96 CREDIT LINE FOR CASH $11,750.00 AVAILABLE CREDIT FOR CASH $1,162.96 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $22,517.49 0.04504% D '7.93% $342.32 Cash $0.00 0.06822% 0 24.90% $G.OG ANNUAL PERCENTAGE RATE applied this period: 17.90% O At Your Ser4ce - Go to vrcm ceoitehne.com to manage your ecoount, or Cat 1.800-955-7070 to report a last or slolen Card or speak to Customer Relations ® Pay Online at www caoitabne.oem or mail yair payment lo: Capital One Bank (USA), N.A. • P.O. Box 710&' • Charlotte, NC 28272-1083 A Send Inquiries to: Capital Onw P.O. Box 30285 • Sat Lake Qty UT 8, 41 00285 ® Manage your Rewards online by visiting rmw nwlal,ra. mmmngntsmwards 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 cacitalone cemlcisoutes Transactions New Balance Minimum Payment Due Date + $39.00 _,' $22,337.04 $2,777.00 ) Jul. 31, 2009 PLEASE PAY AT LUST THIS AMOUNT Yoli re behra by four payments. But you can still bring your account current by paying the minimum payment a?.ccnl on your statement. hived help? Give us a call at 1.BC0,955.6600. Well work together to 5nd a solution. °Impona.1: r:atice° Under the terms we previously disclosed to you, your account is now eligible for an increase it Annual =ercenlage Rates (APRs) effective immediately. However, Capital One has elected not to rare your APRs at this time. Please be advised that d you fail to keep your account in good standing, :;zailal One reserves The right To race your APRs in the future. Rewards Summary Previous available balance. 33,959 Earned this rend: 0 (reldcls transactions posted during this biting eycb;, Available ?elance. 33,959 Payments, Credils_& Adjustments 1 30 J_H CAPITAL Off-iE ONLINE PYMT AuthDate 29-J UN $500.00, Transactions ___--__ _.__ .... 2 30 JU`! PAST DUE FEE $39.00 You were nrssed a past due fee because your minimum payment was not received by the due date. To avoid this f- in the future, we recommend '.hat you allow at least 7 business days for your minimum payment h -aoah Capital One. PLEASE RETURN POR [ION BELOW WITH PAYMENT OR LOG ('N 10 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492325963466 05 0000000500002777002 Account Number: 5291-4923-2596-3466 Due Date New Balance Minimum Payment Amount Enclosed Jul 31, 2009 $22,337.04 $2,777.00 PLEASE PAY AT LEAST THIS AMOUNT #9018834926386486# CHARLENE SHUMAN 319 MERCURY DR MECHANICSBURG, PA 17050-5246 III III HI -1-1 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. 0 Movinq? Cnanqe your address online or on the back. Q Help save the planet -Go paperloss. Q Sign up at www.capitalone.com. Capital one Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 111111'rill"II'11''I'111111rrllulrrll'Irlll,llrrllhlhl?lNl EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. CHARLENE SHUMAN `a- '; i 7=1-in your walict? 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 2009 C,,wtal One. Capital 0- i,- a fid-71lp registered srrvice mark. All rigk,, reserved. FINANCE Previous Balance Payments & Credits CHARGE $22,337.04 'I- $0.00 + $331.09 Jul. 07, 2009 -Aug. 05, 2009 Page 1 of 1 MasterCard Platinum Account 5291.4923-2596.3466 1 I,NOHaule Your Account Information 2 REWARDS TOTAL CREDIT LINE $23,500.00 TOTAL AVAILABLE CREDIT $792.87 CREDIT LINE FOR CASH $11,750.00 I AVAILABLE CREDIT FOR CASH $792.87 (Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $22,50442 0.04504% D 17.90°/6 $331.09 Cash $0.00 0.0&?22% D -, 4.90% $101 DIE ANNUAL PERCENTAGE RATE applied this period: 17.90% Q At Your Service. Co In A,,q,capitahn LLm, In manage your account. or cat 1-800-955-7070 to mport a bst ,r stcbn oard or speak to Customer Reel- 0 Pay Online at mh cadlabne cam or m:+11)a.n payment lo: Capital One Bank (USA), NA. • P.O. box NOb3 • Charittle, NC 28272-1083 A Send Inquiries to: Captal One, P. 0. Box 30285 -Sal Lane Qty U - 8, 41 00285 ® Manage your Rewards online by visiting IE,i 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 canitalene camsrndes. Transactions New Balance Minimum Payment Due Date + $39.00 l $22,707.13 $3,458.00 Aug. 31, 2009 PLEASE PAY AT LEAST THIS AMOUNT Ycii re beoicri by fi.e payments. If you continue to miss payments your account mat risk of being charged off. Please don't lei this happen. If you're feeling oveiwhelmed, call us at 1.800.955.6600. Well work with you to resohre this maller. " Importam C.oti-e° Under the terms we previously disclosed to you, your account is now eligible, for an increase m Rnnual Fe,cenlage Bales (APRs) effeclive immediately. However, Capital One has elected not to raise your APRs at this tire. Please be advised that if you fail to keep your account in good slanding, Capital One reserves the right to raise your APRs in the filure- Rewards Summary Previous available balance: 33,959 Earned this : enod: 0 (m1Ls:ts transactions posted during this ding cycle) Availaole ©al3nce. 33,959 Payments, Credits & Adjustments sactions 31 ;U_ PAST DUE FEE $39.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fc in ',e future, we recommend that you allow at least 7 business days for your minimum pay mcul la ?::ach Capital One. PLEASE RETURN POK 10N BELOW WITH PAYMENT OR LOG ON TO VA".CAPITALCINE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number: 5291-4923-2596-3466 Due Date New Balance Minimum Payment Amount Enclosed Aug 31, 2009 $22,707.13 $3,458.00 PLEASE PAY AT LEAST THIS AMOUNT 1 5291492325963466 05 0000000500003458006 #9021834926386481# CHARLENE SHUMAN 319 MERCURY DR MECHANI CSBU R G, PA 17050-5246 Irrll'Illlllll"IIIII'111111"'II'I'I'Ill'llll't"I"Illlllllllll Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. re Pay online anytime-no more checks, stamps or clutter. 0 Moving? Chanqe your address online or on the back. ® Help save the planet --Go paperless. 0 Sign up at wwwcapitalone.com Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111 ill--hill I-IIIIIII.-III1II--IIrIrIIIrII rIIIIIIII-IIII EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. CHARLENE SHUMAN C8pp11rd1(Jf? in your wallet? Credits CHARGE Transactions New Balance Minimum Payment Due Date Previous Balance Payments & Credit $22,707.13 - $0.00 500013 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. Even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amcunt die on your statement by the due Cate to eliminate the risk of beiig charged off. 1) 2009 Caprral One. Capital One,; a eder,,7r ney,-red wi ice urn; a. All r ighrt m wed. FINANCE __ --? + $347.87 + $39.00 =i $23,094.00 54,150.00 Sep. 30, 20091 Aug. 06, 2009 - Sep. 05, 2009 Page 1 of 1 MasterCard Platinum Account 5291.4923-2596.3466 /?NOfIdS5JT2 Your Account Information REWARDS TOTAL CREDIT LINE $23,500.00 TOTAL AVAILABLE CREDIT $406.00 CREDIT LINE FOR CASH $11,750.00 AVAILABLE CREDIT FOR CASH $406.00 Finance Charges (Please see reverse for important information) Balance rate Periodic ODuesponding FINANCE applied to rate APR CHARGE Purchases $22,882.57 104504% D 9C°k $347.67 Cash $0.00 O GOT?22% n 2.,w% $0.00 ANNUAL PERCENTAGE RATE applied this period: 17.90% 1 At Your Service • Go In vrsu. rnviteh- ow o -.0e your exeunl. or Cat 1-M-955-7070 w m"I o bst or sic b- card or speak to Customer Relations ® Pay Online at www.caglebne,rm or mai1,,,,U jrxinl To Capital One Bank (USA), `1 A, • P.O. Box 71063 • ?harlndc, NC 28272-1083 9 Send Inquiries to: Capital One• P.O. Box 30225 • Sat Lake Uty, U -- 8.1130-0255 Aft Manage your Rewards online by visiting rerNnM>mmr? mtvPwarac a r 1AW-228.3001 is Have a question about a charge on your statement? Please refer to the Billing Hignts Summary on the back of your statement or visit www caoilaone romldi.; ,Lr ilEs PLEASE PAY AT LFAST TIRS AMOUNT You're benino by six payments. If we charge off yoi.r account due to late or missed payments, finance charges will continue tc accrue. Act now to prevent this from happening. Please pay the minimum payment amcunt on yon stalement or give us a call at 1.800.955.6600. were here to help. Take control of your credit with Capilsl One. Rewards Summary Previous available balance. 33,959 Earned [his period 0 (lett.ts Ira,sactans poste] during this biting cycle) Available -alance. 33,959 Payments -Credits & Adjustments __ Transactions 1 of A'JO PAS I DUE FEE $39.00 You were assessed a past due fee because your minimum payment was not received by the due dale. To avae this fee in the future, we recommend that you allow al least 7 business days for your minimum payment 1^ mach Capital One. Importanl cha ngo r3 your Rewards travel redemplions beginning February 2010 A boolang fee may apply when you call our Rowe Js Center to book travel using your rewards. However, you can still book travel online for free at wwµtcopitalone.cem. PLEASr Rh TURN PORTION BELOW WITH PAYMENT OR LOG ON TO V' WJ'J.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492325963466 05 0000000500004150005 Account Number: 5291-4923-2596-3466 Due Date New Balance Minimum Payment Amount Enclosed Sep 30, 2009 $23,094.00 11 1 $4,150.00 PLEASE PAY AT LEAST rHIS AMOUNT #902493492638648611 CHARLENE SHUMAN 319 MERCURY DR MECHANI CSBURG, PA 17050-5246 IIIIIIIrINllllllnl'Illllllllllllllllll'Ill'?I1111'Illll"111111 GO GREEN. SAVE GREEN! Pay online and save money on stamps. cw,$ Sign up at www.capitalonacorn Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 111111-111.-11111,11d111",--1hllr ll l 111 ll^Ilhlhl lNl EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. CHARLENE SHUMAN CAPITAL ONE BANK (USA), N.A., Plaintiff, V. CHARLENE SHUMAN 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: `x-15-1O R- erl ogan A088 HAYT, HAYT & LANDAU