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Home My WebLink About10-3035 _ I C 1 ee Ll.ii . ?,V I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff No: /0 -- 30 3S- 61.tJ vs. JESSICA D MILLER COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08027442 C N Pit EMR 6-1? 9a.eo ter. 4 4-40 4'xel'l %?-, ,e"'o Q4// 7 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff VS. Civil Action No JESSICA D MILLER Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant , JESSICA D MILLER , INDIVIDUALLY , in the amount of $2588.18 with continuing interest thereon at the rate of 23.1000 per annum from March 25, 2010 plus costs. James C ar ro t,42524 WELTMAN, EINBERG & REIS CO., L.P.A. 436 Se en h Avenue, Suite 1400 Pitts r PA 15219 (412)/43 -7955 FAX: Al -338-7130 0802Y4 2 C N Pit EMR This law firm is a debt collector attem ing to collect this debt for our client and any information obtained will be used for that purpose. PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JESSICA D MILLER 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 elief. Dated: Jamie illiams A049 WELTMAN, WEINBERG & REIS CO., L.P.A. 0 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA Cl) eye ml= =rn CAPITAL ONE BANK (USA) NA, Plaintiff A? ?c T v. CIVIL ACTION - LAW ? JESSICA D. MM LER, Defendant DOCKET NO. 10-3035 Civil Term PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT t ? rn " - ..on na r QQ CD rr) A -C Defendant Jessica D. Miller, by and through her counsel Nancy L. Datres of MidPenn Legal Services, hereby files these preliminary objections to Plaintiff's Amended Complaint and avers the following in support thereof: 1. MOTION TO STRIKE/FAILURE OF PLEADING TO CONFORM TO LAW OR RULE OF COURT - FAILURE TO ATTACH WRITTEN AGREEMENT 1. The Pennsylvania Rules of Civil Procedure state that when the claim or defense is based upon a writing, a copy of the writing shall be attached. Pa. R.C.P. 1019(i). The Rule goes on to state that "...if the writing is not accessible to the pleader, it is sufficient to so state, together with the reason, and to set forth the substance in writing." 2. Plaintiff sets forth in Count I of its Amended Complaint a breach of contract cause of action. 3. Plaintiff, however, fails to attach to its Amended Complaint a copy of the relevant credit card application or relevant cardholder agreement, which would establish a contractual relationship between Plaintiff and Defendant. 4. Plaintiff attaches to its Amended Complaint as Exhibit 1 a copy of a generic card customer agreement, said generic agreement entirely devoid of any indicia relating said generic agreement to a specific account or to a specific cardholder. 5. Plaintiff avers in Paragraph 5 of it Amended Complaint the following: The Plaintiff made an offer to the Defendant to open a credit card account by mailing a CAPITAL ONE BANK credit card, bearing account number 4862362673373364, along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendants (sic). (Amended Complaint, 15) 6. Plaintiff, however, fails to attach a copy of the offer and the acceptance that together would create a binding contract between Defendant and Plaintiff. 7. Because federal law mandates that consumer credit card accounts can be created only upon application by a consumer, Plaintiff should at a minimum attach a copy of an application signed by Defendant. By way of illustration only, Defendant attaches hereto and incorporates herein a copy of an actual Capital One mail solicitation application with the recipient name redacted, said attachment identified as Exhibit A. 8. The undersigned knows of know exception in contract law that permits the credit card industry to demonstrate a contractual relationship between parties with a copy of a generic form that fails to relate to any specific transaction or any specific party. One is hard-pressed to imagine any business sector, be it the sale of residential housing, the new car industry, home improvement industry, or residential renting sector, alleging a breach of contract and having nothing but a generic copy of some uniform agreement devoid of any indicia whatsoever relating it to a specific. transaction(s) and to specific parties. 9. Because the Amended Complaint fails to attach a copy of the card member agreement specific to the account at issue or a copy of a signed application specific to the Defendant, the Amended Complaint fails to comply with Pa. R.C.P. No. 1019 (i). WHEREFORE, the Defendant respectfully requests that this Honorable Court sustain her preliminary objections and issue an Order directing Plaintiff to file a curative amended complaint within twenty (20) days of the date of said Order. II. MOTION TO STRIKE /FAILURE TO STATE A CAUSE OF ACTION 10. Defendant incorporates herein by reference all preceding paragraphs. 11. Pennsylvania Rules of Civil Procedure provide for an objection based on the legal insufficiency of a pleading (demurrer). Pa. R.C.P. No. 1028 (a)(4). 12. In Count II of its Amended Complaint, Plaintiff avers an "unjust enrichment" cause of action. 13. It is well established in Pennsylvania law that an unjust enrichment cause of action is based upon an implied contract and, therefore, is not available when a written contract exists. 14. Although Plaintiff fails to attach to its Amended Complaint the card member agreement (contract) specific to the account at issue, Plaintiff acknowledges through its averments in Count I of its Amended Complaint the existence of a written contract. 15. Accordingly, an unjust enrichment claim is not available to Plaintiff. WHEREFORE, Defendant respectfully requests this Honorable Court to sustain her objection and strike Count II of Plaintiff's Amended Complaint in its entirety. Respectfully submitted, IVMPENN LEGAL SERVICES Date BY: Nancy L. Datre , Esquire Supreme Ct. ID No. 203226 MidPenn Legal Services, Inc. 213-A North Front Street Harrisburg, PA 17101 (717) 232-0581, ext. 2107 Attorney for Defendant u. Save hundreds with a 0% Intro APR until January 2012 If you transferred $10,000 in higher-rate balances, here's how much you could save: Your current card APR 14.99% 16.99% 18.990/0 Capital One Intro APR 0% 0% 0% on transfers until 01/2012 You could save ??? ?''5 $1,701 This saitsw example is on esthnate that an cores a transibrred balance of $10,000 with a 3% tee and a $300 monthy payment over the fast 15 months. savngs maybe less areas the introductoryperiod expires. Actual savings may also varydepwiding on your approved transfer amount date of transfer, account usage and payment behavior. QUICK REPLY 4PT10111S: Get a response in as Utt/e CALL 1-500-425-2127 VISR application.capitalone.com as 60 seconds! TRANSFER IN AS LITTLE AS 48 HOURSI Reservation Number. 001-1454-0490-63732 Access Code; 178434 V Please detach here and return. ? YOUR NO HASSLE APPLICATION Mone Your Pocket! - - ----------------------- Keep More y In 1 WW to ttMMer dN feaerllra Aara ad apNe 0 NOINf At YES ?t,tla"baca itowwo?ypp? vieratN ,I Va1* YES! owe nag #""" Ne - aarevatir 1" M aeirard oedr he. Alai m m Mal 0011454049063732 017 0050""?'?N"i°eatuee.llaewaaaatNhrad? u ! 18-9763 Offer Pxpiru 11122110 eerlllaelsseer Muse correct name or address If neensm. Aaona Number Please print du* In black or blue ink. To avoid ddaM provide all requested information. , SOCIAL SECURITY NUMBER DATE OF B1RTH ,- ?M PRIMARY PHONE NUMBER E-MAIL ADDRESS ow kwmwaomum saMdng Adonrraerll tTOTAL ANNUAL HOUSEHOLD INCOME EMPLOYER NAME A0krz older dN aged 21, 0mpm*p ineoeK• tAkuwA dald s coo ar spt?e aNieaaeaae Mavens red not be IemW y yu de ant chow w Mx k erridesed as abasis to teP*q INs bail. Occupation t. ? Employed 2. ? Self-Employed 3. ? Part Tune Em*pd 4. ? unempioyad 5. ? Other EMPLOYER PHONE NUMBER Would you be interested In blank checks to use for cash adv*nM7 0 Yes C3 No Do you have a checking or savings account? 1. ? 00th 2. ? Checking only 3. ? savings Only 4. ? Neither Do you have any investment accounts (for example, 401 It and brokerage accounts)? ? Yes ? No Do you rent or oven your boron? Met Is the total balance of sit your bank accounts What is the value of your Investment accounts ? ^ ? Rent ? Other (for wrample; tMekklgtsavkWO (for example: 401 R, brokerage accounts. etc.)7 Monthly r Winortge" payment 1. ? $0 to $1.000 1. ? $0 to $1,000 2. ? $1,001 to $5,000 2.0 $1,001 to S10,ODo 3. CI $5.001 to $25.000 3. CI $10,001 to $50,000 Your HUW irxarae must be WNW than your anraral renr/mortgage p4"nt In order to be eigrbk for dis offer. 4. ? More than $25,000 4. Cl More than $50,000 5. ? Do not have such accounts S. ? Do not have such accounts I have read and ewe to the lakporraet Discimm and Additional Dhciosura a Tama and Co"dons enclosed. You we au*wW to dirk my auk and employment history. If I have comooed the Transfer It etimt l here rwd and agree to the trardw fnforwadon endosed. Signature Date Please see the enclosed Important Disclosures for rate, fee and other cost information. 9540 CERTIFICATE OF SERVICE I, Nancy L. Datres, being a member in good standing of the Bar of Pennsylvania, hereby certify that I served a true and correct copy of the within Preliminary Objections to Plaintiff's Amended Complaint upon the person below by first class mail, postage prepaid, which services satisfies the requirements of Pa. R.C.P. No. 440: Matthew D. Urban, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Date: kiv.o? 4 not D Respectfully submitted, MIDPENN LEGAL SERVICES Nancy L. D s Supreme Court ID 203226 MidPenn Legal Services 213-A North Front Street Harrisburg, PA 17101 (717) 232-0581 x 2107 Attorney for Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL, ACTION CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JESSICA D. MILLER, Defendant C-) c o rn rn a NO: 10-3035 Z m (m "? rnF - m r < orn ? C) D ?d s -n orn ?o pC N OF3 -gym TYPE OF PLEADING: -r AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by: Plaintiff Matthew D Urban, Esquire PA I.D. 90963 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 8027442 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA, Plaintiff vs. Civil Action No. 10-3035 CIVIL JESSICA D. MILLER, Defendant AMENDED COMPLAINT You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. SOUTHWESTERN PA LEGAL AID SOCIETY 10 W. CHERRY ST. WASHINGTON, PA 1.5301 (724) 225-6170 (800) 846-0871 OR LAWYER REFERRAL SERVICE 523 WASHINGTON TRUST BUILDING WASHINGTON, PA 15301 (724) 225-6710 F P, AMENDED COMPLAINT AND NOW, comes the Plaintiff, CAPITAL ONE BANK (USA) NA and files an Amended Complaint, the following of which is a statement thereof. 1. Plaintiff is CAPITAL ONE BANK (USA), NA, a corporation with offices in 15000 CAPITAL ONE DRIVE, RICHMOND VA 23238. 2. Defendant, JESSICA D. MILLER is an adult individual residing at 134 E. PITT STREET, CANONSBURG, PA 15317. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. COUNT I-BREACH OF CONTRACT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. 5. The Plaintiff made an offer to the Defendant to open a credit card account by mailing a CAPITAL ONE BANK credit card, bearing account number 4862362673373364, along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendants. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit "1." 6. On or about August 26, 2006, Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to purchase goods and merchandise. 7. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 8. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from October 10, 2006 through July 11, 2009 are attached hereto and made a part hereof as Exhibit "2." 9. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 10. Pursuant to the statements attached, Defendant made periodic payments on the account with the last payment made by Defendant on the aforementioned account occurring on November 12, 2008 in the amount of $50.00. 11. Defendant breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 12. The balance due and owing to the Plaintiff on the aforementioned credit card account as of March 25, 2010 was $2,588.18. 13. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 14. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, JESSICA D. MILLER in the amount of $2,588.18, with interest at the rate of 23.10% per annum from March 25, 2010 to date of judgment and costs. COUNT II-UNJUST ENRICHMENT 15. The averments contained in Paragraph 1 through 14 above, are incorporated herein by reference thereto as though herein set forth at length. 16. Defendant used her CAPITAL ONE BANK credit card to purchase goods, merchandise, and services. 17. By making use of said card, the Defendant has had a benefit conferred upon her through the use and enjoyment of those goods, merchandise and services purchased. 19. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the principal balance, finance charges or any part thereof due, as set forth in the monthly statements, attached as Exhibit "2," and as such has improperly retained the benefits conferred upon her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, JESSICA D. MILLER in an amount not in excess of the arbitration limits. Respect y S miffed, Matthew D Urban, Esquire PA I.D. 90963 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 8027442 I, welcome to Capital Owe We ante w bane yaw "a Wd I Cu,WWAgeMnon " 11 ebadyouraccwtPbnserwd br ym m wft yaw a- , I win us b bS coed and a w N ('tw consw cobow cabnw /gntea K lapsuw wail ay 4, - b t AtImmanl Nat we matre ns 1 ' I I I WW. M Sawdly Amon! 61 ac So-Ily A-W AwWwo rw Apd10meat (I wpPW%Dmf*d 010 Runde *moot dlpdm m Ip m, dI d-ap and debamd In ym to or at to fob opened, kduaq dkbww pYrimnl b mq*owb of Tnd In ?p a'I Ut Aceanl p?dorass? a war as ay sweagUaat rnDlm slpaae b Yugo daaaaerAa and day ad rod a?aaNS liar Yckgt I. aanny? eleckaAc Of drtibt abnno" an not *00cowk imbecilic re. WoMmIrnaa an you eOmunt b IMs Agwaam ne work 'yw"yaw 005113 CUSTOMER AGREEMENT wmm. 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Ellt r dR «t4ran at«« Ia ra lWw + 7 .8p io nO tAn-wa arnrslkYtM lr FAd 4+9wtld lrMlWtdr+aa r, iMwioA: '+ewgWatlsl dE 0d A I JaEtE titO urn $, ik 3pi ft7 S M Ad or CA91E11 enl 336 al l ArYA*.IMNaaw 10 Nn l wav f4ava"opw War 94 sow^ r ilR 78P7•a606 .'? •' 11HrtIRtlO DttfMtl AMraaq Fate F-0.EsD)mi Mmst6. W 551ES • . - cell: •Iawn<sn Ma?oeil?y1pe?r1E7 +wtE+mk MMyy d Re Aad 7w hWM Is acid Y+uredion NNlleee Jd+tl+M Atat paadreA to R]Idi11a W 4D2O% %0ft Rr, NC. Cadw Ox k a Wu* lq*o ta+RNevk AI dpIkNMYtd PLATINUM VISA ACCOUNT 4862-362(-7337-3364 Acwunt Previous Balance Roo Payment, Credits and Adjustmemb x00 Trusactiona $354.22 Fuaance charges too New Balance $35422 Minimum Anlaunt Due $15.00 Payment Due Daze October 1% 2006 't'otal credit Line $1,000 Total AvwU)k Credit $645.78 Credit Line for Cash $1,000 Available Credit for Cash $645.78 Atymmserviae To cd Culmma Rdatiom or to report a tat err st Aw old: 1-800-903-3637 sera ?1lyolmo t« saa;nyuuia be Aral: Roe Pmaniag . P. C.Viw OB oft Bark 11carifod 6.One P.. Box 70861 P. . Baer 7021{5 ClarbtW NC 38272-OM SLC, UT 8U20.0285 Iatportant Account Information Beginning October 1st, 2006, based on your account activity you may be assessed more than two late, olalimit, or returned chock fees that occur during ally billing period. AUG 06 - SEP 05, 2006 Page 1 of 1 Payments, Cie" sold Adjummaty Ttarmsscdone 1 26 AUG VALUE CTIY00001S86 CHAMBERSBURG PA $85.92 2 26 AUG HOT TOPIC 0605 CHAMBERSBURG PA 36.00 3 26 AUC HOT TOPIC 0605CHAMBERSBURC PA 33.77 4 26AUG BON-TON-CHAMBERSBURG #CHAMBERSBURG PA 102.19 5 27 AUG KOHLS OWN CARLISLE PA 19.99 6 27 AUG MARSHALLS 4834 MECHANICSBURG PA 72.88 7 05 SEP PAYMENT PROTECTION i-888-527-6904 3.47 FmoxeCh111ge6 Phlam rrA7wnde,#r!n0vrmw iaf6rlllaAm ? Bdaenrrde pn" Gamµlwe,&Y gefly/b 1.y .iPR PURCHASES Roo A0000% .00% 6.00 CASH R00 .05477%P 19.9496 $.00 ANNUAL PERCENTAGE RATE applied this period 0.00% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362673373364 05 0354220000000015009 New Bak= $354.22 Minimum Alnatnt Due $15.00 Payment Due Due Octoba 10, 2006 Total enclosed $ Account Numbs 4862-3626-7337-3364 Capital one Bank 8027442 P.O. BOX 70884 Charlotte, NC 28272(-0884 + 1111111141111'41111111111111111111111111•IIIIIIt111111t1111111 Pf,-p, lrAA6v&,6-j.atbO.wgki.O 61A&nla Cary Sne ZIP Home Ph- Ale m- P- #9024904003134000# MAIL ID NUMBER JESSICA D MILLER !! 38 PIPELINE RD m NEWVILLE PA 17241-97591 ? ,,mom 11111111111111111111111111111111111111111111/1/11111/111111111 EXHIBIT R=e sriteymlv,lanralf rlwnbrran yo-'borE ar>horay order mndepoyubk" Capital 0-6-k .xrta -.d :n t)'--iacd <?rcr/n?a a ? r a 1. Now To Avid A Rnnw Cfrgw Pedo& n t a. (liraS /wlri Yw v ill h m aa mk*mxn Vns period of billing pW ? 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M ne wpports InbmWdo privacy Poteetio: See as at www. wm. ottidr V anrw er" . we w n ti? ydr+atrtlradaatlarra C o Oro Y a myraod aerdn orb a Gplts Ono ffrrrrd.l W .duo. All tvoo osurvaL o y003 may, rs ?ti yW - A ton -kKkriritp any C? One Sd, W MM dorm fewivanWd Pala."[ far, cosh NW ary Oder fuS atlUwd to yWI AND mprtlde for dtaae araaar tiedher n vow acowrt at ate e1tw }yfittY mm w w trA or toy aW hawtd alraalptert to o does dr somm TNa my r*M h obrg m your adorer .roe toe has annum W W doted or the reeerio of OiLOLBAK 8027442 9.•°°ta.• t94.M-pft•. ' ? 6ooote peoplepc• online , u A better way to Internet. 97 th features you would PC Online 0 troplsP :: a unt hi¢tenprbsd Internet Service Providers ! a mask at heN-price for the flat 3 month m*5koo• tlraaalar B Email Vino Protection ® ,..lr_U{1 BIOCtcerTM * Spam Controls MN UP TOO= 07 mart Dialer 1-877-77842 Mention Offer Code: AMBER Phi311ef Secxufty or visit www.peoplopc.conVgo?dmbw Internet Cal Waiting FINANCE Previous &luce Payments L Credits CHARGE Tnaasctixu New Bahm, Minimum Paymerrt Due Date 5354.22 - $15.00 + $0.00 . 5599.05 = 5938.27 528}00 Nov. 05, 2006 Sep. 06, 2006- Oct. 10, 2006 Page 1 of 1 AFAR MP AI II.IR NS MORMr Visa PWtnum Account 4862.3626.7337-3364 Your Account Inrorn suou TOTAL CREDIT LINE $100000 TOTAL AVAILABLE CREDIT 181.73 CREDIT LINE FOR CASH 1000.00 AVAILABLE CREDIT FOR CASH P61.73 P nwvice a., a (Plwe see ravarse A. hnponant inlbmu ) Periodic Babn a aft CHARD Puebua $0.00 0.0000048 0A0% SOHO Call 50.00 005345W 2031% S0.00 ANNUAL PERCENTAGE RATE opplid ft period: 0. ® At Your Savice 1-800-90}3637 To all Customer Reledo- or m report a lop or salon cud hyrn .,s. Credits A Aduabnaaa 1 05OCT PAYMENT RECEIVED--THANK YOU $15.00- Tru ngdom 2 06 SEP PAYPAL•KYUTU402-935.7731CA $25.01 3 09 SEP SAYLORS NEWVIUILE PA $43.00 4 18 SEP SAYLORS MARKET NEWVILLE PA $44.01 5 23 SEP WAL-MART M2574 CARLISLE PA $65.69 6 23 SEP FAMOUS FOOTWEAR 02476 CARLISLE PA $49.99 7 23 SEP OLD NAVY 3494 CARLISLE PA $61.00 6 26 SEP ILLUSIONS HAIR STUDIO NEW VILLE PA $28.50 9 26 SEP SAYLORS NEWVIULLE PA 8194.10 10 01OCT SAYLORS MARKET NEWVILLE PA $40.33 II 02OCT TRACTOR-SUPPLY-CO 0026 CARLISLE PA $48.21 12 10 OCT PAYMENT PROTECTION 1.861-327.6904 $9.19 ® Sed PaY a to' f;P.O.8ox70181 0 Clurlo0e, NC 28272.O You nor =W"RwCapital Ones PSYMMK Preovd0l no. Your ra will be convenkadYbilledm Yaw C Gpirsl One Bank opl Capital One audit cud bud as y49r atontMwdias aceorrt ealarea. If you have say tplesdora, pkue all the cusbrrur servke wrier hoed in Ike monctions section of yore $16%a t. SenLukia lo: Cap Oru 0 P.O. Box 30285 it Sorb LAc Ciey, UT 84130-0283 seas son 1 7 a 061010 son- I ee 1 00 ,033-9 o1w"54 PLEASE RETURN PORTION BELOW WITH PAYMENT ??aa,??? 0 4862362673)73364 05 0938270013000028007 ?+R?'? I what's In your waMp7' Account Number"U3826-73374364 Now Balance Minimum Payment Due Dab 528.00 Nov. 05, 2008 .E$=938.27 PL PAYUAffTLEAST Amount Enclosed AMO N capital ow eaek 4309 1.0, sea- 70804 eb-lotto, WC 28272-0094 8027AAV92729114847C Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mal address d #9088404008134007# NhZL ID 11106151111k mmzcr. 0 KIWAR 59 921rtwau 03) IIAVLLLB, PA 17241-9750 0177419,7593340 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. l w li Pfoospc is peop epc on ne A better way to Internet. '' wiw*4 a Clow On p UNLIMITED e)rWWpd at any INTERNET ACCESS p q Sw*.,d d"" may sm u' Toom o'er p`ro " 1 877 7784207 t ' ' - - r Aw ac kw Madion ONdt Cods: AMBER or VISO W Wwup.opbp¢.cwn/owanba 0 Z06 in to us. ww 0 9D06 Caphd +owN Wapa ebb M life oils aW a not MAW wo capes 01w. Capita Ow dew West prwids, pwmW. sW a na aftirW rill, any "duct or.w?iL.altown hsw. Any vadamem nw6ordd tioldy owed by it rpaDyw «Dlx Ai dpfu WOw By napaldhq to 06 ** you may to iWWlmnWafbt a6oul yeuaalf m dr canWro tf .t PD d la lldl end 1D1- rar avawpb tAat you w awbnwl O16rwc 81117 mandb d wtto n W W at 51.91 a mmik *25 a month Mmhm Oia ovaMble au6.ybW d but ti yaan d ape and may rot ha rdarroa w it awry otlla opx olfa aWbjat m fiM. Phone bftirA aipW avwThle fort1.95 per mint's. di b IM at 1-!77-7&1901. avaiaill n ant ann. Acces Imes, Wft and oft fen Ord In6fei«w nay apply ibpha w bi apple awn dump aid padoda. Wu an mpw*W for d*brminilg *Wwr a al to one of ow will nW it baphmw bl dumps. 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PeoplePC Online off-a the features you would expeC horn hiphx-prio d Internet Service Providers at hNf-price for tM Nrst 3 montMl 19 Email Virus Protection ® Pop-Up BlockerTM ?j Spam Controls Smart Dialer Phlsher Security Internet Call Waiting FINANCE Pmiom Babrrce Payments; A Credits CHARGE TMUC6om New Balube Minimum Peymerd Due Deb « ;0.00 + ;49.40 = ;859.87 ;28.00 Oec. 05, 2006 ;838.27 _C:528.00:) Y, Oct. 11, 2008- Nov. 08, 2006 Page 1 of 1 E RASE ra 0 uA.0 nS AVOAT wmmu r'ivelib A AdiuWnwrb Vim Platinum Acmmil 1 25 OCT CAPITAL ONE ONLINE ACH PA YMENT $28.00- 4862.3626.7337.3364 Your AcceuM lafomwioa 2 18 OCT LIFEMUCH NAT SCH STUD EDEN PRAIRIE MN $40.00 TOTAL CREDIT LINE ;1 000.00 3 06 NOV PAYMENT PROTECTION i-88&527.6904 59.40 TOTAL AVAILABLE CREDIT X40.33 CREDIT LINE FOR CASH $1 000.00 AVAILABLE CREDIT FOR CASH X40.33 Fimrrce Charon (Plan eve roman ror impotbal inba i ' ) BaWee tab Periodic Connom0? applied lo rib PR CHARC Pit- $0.00 0.00000% 0.00% 30.00 Ceeh $0.00 0.05545W 20.24% $0.00 ANNUAL PERCENTAGE RATE applied diia period: 0. ® At Your service I.50D-903-3637 To call Cueromer Rebtiom or to repon a leer 0r 5101m aud: 0 Smd payrroNb to: Capita One Bank l P.O. 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Addross #503110400313600" MWIED 9401-01 =11 IG D 1QLLa 39 P1111114011111 31D enf"M0, 9A 17241-9756 71724197393940 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1 / First 3 months halt-price . 9? . atott6tl ".95AM thereafter SlaN UP TODAY! 1-871-7784207 Mention Offer Code: OUARTZ or visit www.paoplepc.coWgo/quartz 500076 peoplepce online i A better way to Internet. ftm Online, d Internet M features you wiluld e at half-price for tin trat 3 IT1011" 19 Email Virus Protection ® Pop-Up Blockerr"' ?j Spam Controls Smart Dialer Phisher Security Internet Call Waiting FINANCE Previous Balance Payments & Credits CHARGE Truaactiooa New Balance Minimum Payment Due Date 5838.27 - 528.00 + 50.00 + 549.40 = 5959.87 528.00 Dec. 05, 2008 Oct. 11, 2006- Nov. 06, 2006 Page 1 of 1 8 MAU ae at lFaQ taS aa0ar Via PWinum Acmwt 4862-3626.7337.3364 Your Account lalbrav limn TOTAL CREDIT LINE $1000.00 TOTAL AVAILABLE CREDIT 140.33 CREDIT LINE FOR CASH $100000 AVAILABLE CREDIT FOR CASH 40.33 Finance Charses (Pkaa see revere Ibr importeat infomr Ba4nce ram Ptxiodk Con;W atr'D4 applied to me CHARD Purehaes 80.00 0.00000% 0.00% 80.00 Cah $0.00 0.055457W 20.24% s0.00 ANNUAL PERCENTAGE RATE applied the paid: 0. ® Al Your service 1-$00-"3-3637 To all Cummer RelaUew of to report a bat a stolen card P.vmwa. 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I 30 NOV CAPITAL ONE ONLINE ACH PAYMENT S21.00- Trwections 2 05 DEC PAYMENT PROTECTION 1.611.327-6901 $9.22 Congratulations all your credit line krcraael By suceeublly completing your Capital One Credit Sup, you've eared a credit Use imeraW. You can put this new purchasing power Is work for you right away. We lode forward to providing eves more praduch and arvio b meet your needs in the fibre. (CrWk Slaps is a service nrrk ofCapital Ono) HELPFUL PAYMENT HINT: We undaatand do making only thornhtimars Ferment may be the bees choice for you. However, you'll pay han interest sad repay your balance crooner if you pay more am she telegrams whenever poabk To alimale low long it my take to repay your bahutee given your specific seem and diPferest payment arouses, visit www.cepitsbne.wrrJeaku4br. 0 Scud payments In: Capital One Bank a P.O. Box 70164 0 Charlene. NC 21272-0664 A Sad' uhria b: CapiW a P.O. Box 30263 O Safi Lake City. UT 64130-0265 Wad Wr l 7 s 001206 sea I err 1 oiaaesd PLEASE RETURN PORTION BELOW WITH PAYMENT ap'^o I wearsi.tour WAm?* 04562362673373364 03 0940640026000021003 New Balance Minimum Payment Due Date 5940.88 528.00 Jan. O5, 2007 PLTHfS MAaUNT EAST Amount Enclosed Oaiitewl a" amok x40030 0.0. via 70004 Okmeleta, VC 29272-0804 80274427?64N70 Account NumbegsIM 3828-7537-3384 Please print address or phone number changes below using blue or bled Ink. Address Morale Phone Alternate Phone E-malt address 01034004003134007# 10a1L 3D NOW= jug:XCA D MIJ" 36 28Q.1ae 30 UNWXLTA,, H1 17241-1711 01724197393640 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon In the endosed envelope. . I' b peop epc online Paopl n is eddy "Woraw br 0* ou,, and is W mow with Cw" Ons.e Capital One dew not pbdde, ww". a gmentw, sell is not I W O wm. any poda:t a write Ow" hap. "mull naft ""Mimed the,. ? hsehsea?«? b M d , e.?. ?e murve f,.?bfta?,yc,ayee y u A better way to Intemet. mforemillon OW a.`" b ft `an°. y me` pow" we `n°ou<t - b "a„°"' Ow t° a" oisionw, 'PaopW O*w FW 2 months of am%an tilled a $437 a maiN: 119-25 a more etraa0a. 09. avvAW brow wEsee dskv mey not be Mhartyadwdlr.oAaraubjaib UNLIMITED s tany& wdw dw9a a any Yta. Phone bt wMicd ttypad "W aveahabY for $1 f1.9S per misde. INrEft, ACCESS iagoulane,tcl10bnal-677.77&1297. Setrke not adit in al WM Acoen tin, bwa. Wfd Ww bee Ind mWechm may appijt 7ekphmY taa dw" mq apply, wen"6W padoda llfu m go ble Ice delonNIO MmIlw a cal b ow d oa s {? TOOAY! aonaerexrAeraeiteadlbidaPnerMloldtseple AcppetllbeNriad -padahdeN99rnwdpeYtuapa. O?N9nunbrsmyWdwpad+tReodaPCydrrMon Oadrwwwrua,uhjaetb9aradpocWur Mme i-877-778-1207 16 MW So Paap4PC Orft% Smoot Vorrtap AN AwMilWe Use, Poky. 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NNW* *tY whether Iftyappecrom Vow 0111t:0066•4-054M onset Nebptw{a you well to m will P-.mpw. dan2 noon WWrrwtl M. «dyewcePlow ddm p ko(i2 be or ee da a do no ua endiWd a artlW ay sapid, pqm b cow. do. M u receivw fim 4fonnu ck Oom rove eh d w =U e Yom WYured. aed Yew wil'.. the businm day we receive ®IngW mWvr r loeaion or In ?a u smear m tIve not as a dlm:k dYlYedw. rceotmt u coon w ti e.em 8027442 300008 ?LA'W* I what's in your walktT' It could happen to anyone. Make sure you pay the amount JESSICA D MILLER due on your statement as soon as possible. Keeping your credit in good standing can VVHMPS do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES behind BETTER INTEREST RATES * (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) O 2006 Cyitd Um Scmim. Gr. CVhd Um h a frdrra4 rrliarmd arch[ mark. AU rigb a rmrwd sD0oo9desD3 FINANCE hrm a Balance Paymcnis d Credits CHARGE Tramewdons New salience Minimum Paynncnt Due Date 1940.89 3 - 10.00 50.00 + 538.60 - 5979.49 $57.00 Feb.. 05, 2007 Dec. 06, 2006- Jan. 05, 2007 Page I of 1 KM W AT LLM IM MOM Via Pkttiaum Aeenunl four 3counl is me p rnenl behiwl. lien ender dal taking pit, ntininamt payments by the due date ketps 1862-362mArn Ac3364 your atrcwnt in g,wd ttwuli g. Punher missed paynnnts may be rgw,n d w the tatn,nal credit bureaux. So nuke suer y,w send in the minimum am,wnt dur to keep your account in land sanding Your Accato Information TOTAL AVAIILABLEECREDIT tt 500 AVi41LA81uLE CREDIT FOR CASH $ 1520 51 Fiance Cberpa (P1owe aye feats for ktponam in ) Beh eta Perkwk coar3 tlinr•R1 ' app 10 rair Palo" SOHO 0.00000% 0.00% $0.00 Cash $0.00 0.0334$W 20.24% $0.00 ANNUAL PERCENTAGE RATE applied We paled: 0. ® AtYarServicel-804903-3637 To all Cwftnwr Rektiow or m report a bat m stolen card: When you Provide a check a payment, you wAhorize w clear w ua kfatatia from your cheek to make s ow4bac ak+cemic food twfer tram yaw accaum or to process date payal a a a dock pawaeYOa. When we as labrvrdon from your eked[ to make an elcekoaic Pond eaader, Rob may be withdrawn Rom your account a apron a the same day we receive your paymeak and you will not receive yar check back from yom Ortenekl institution. Pavmeara. Credin A Adwitmena Ttommu as 1 OS JAN PAST DUE FEE $29.00 2 OS JAN PAYMENT PROTECTION 1688.3276904 $9.60 Ym wem assessed a pats dw fee because your vainim mt payma9 was not received by the due date. To and this fee in the fawn. we raamwrd dot you allow N last 7 bainese days fm your minimum payment to reach Capital One. ® Send payments to: Capital Oae Bank O P.O. Box 70884 O Charlene. NC 282724881 10 Sand inquiria m: Capital One L P.O. Box 30283 :J Salt Lake City. UT 94130.0283 ass tad 1 T a 070100 NM 1. at 1 010C01ta PLEASE RETURN PORTION BELOW WITH PAYMENT t - cm~ 0W 0 4862362673373364 05 0979490028000057000 ??•a?.O/•?' sshaYs in your waavtY Account Numbe148623626.73373364 Nov Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black Ink. 5979.49 157.00 y 7 Feb. 05.2007 Address PLEAS AMOUNT EAST Home Phone AHemale Phone TFi 13 E.meg dross a Amount Enclosed , 410004040031340041 0O11L rD a00e183t as231cR 0 8¢LLER 39 IPXEZLM Me ca®stal pea sank MiM9II,ri, 1A 17841-1739 1.0. eor 7084 040360 0172419759394C Ckatlette, PC 21272-094 80„74412927209949470 Please write your account number on your chec$Cor money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. A ]. A...dO.wrdW bcb. ywq. a. The W. ^,M= YMwb'wM.ppr w•APWan Mandd0bfw.." rrMwMrlor *PWftl110wwMLWftC 1?Ym?rs?aMOMlYbY1d00wbansMbfa MM so 4 aMwO.OpYM//1.wGFp Uom (1.rYy1l00lpaNwbw Miba pw m rrb b.adaR oil" MMbiaMM bd d. 19 Mraa.p 1rwAawrd. r a.r.aMdi.be Mpra anM : d W. dkw^ pwbna 70dp bw ft anwpMbb. , dMCNMdSnW, n bdrpu r.wY plNgM tDew.aa/yyb bnbr.rnrKwdlas?d.aawq IwrYrM audits WKSMIDp.0ya.wwMpw .awd ¦Mw Mr01a py b. MwOMd? fn. lb $D.wnol.A* bM/b.awoa wnnl.av.aa eanadyavaaowM p. nuM.o01yw0Yarbeaw CapIdOw p pd.mn....w Gdwir IrY0sb0u0brwd W PM pw•Ww srw•Ybtita.ruroMn+n+bMbybalr?rrr upron.r.rw?1a,r.a..wwe.n?ac.gwon. Mra ddr 0+b^rl'lrrd rbrwruerw. Aldpw r.wwd. e:ooe cayad On. 0. r?.. Gaa. TawA...M.1r. anneMdb dba raw .amud ry adYe wrllManr Mcbwoc0ba..nl lb. nuMl duaaoy pw andl andlq an0 rxwd.abw drdu. ruoddlPubdlMdMd W10andeaawwey pw= d. 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NU 0 iw .. $50 Jan. 06.2007- Feb. 06, 2007 Pape 1 of 1 wore eww u+tr 0a Y.Orr p4 sawa AML t2 dbi A Adh VW Pkth-AwMW 4$62.3626-7137.3394 79 I o a 061AN CAPITAL ONE ONUNE ACN PA YMENT $51.00- Ywa A-M lvfarWAdCO Tt40 J T AL ELIN OIT O 2 13 I JAN ILLl1S10145 JtA1R STU010 NRWYILLE PA PA 5 JAN TNES14O6OEFT'SWCARLWEPA WAS .SO S61A5 C" F 'GAS'H 00 f 13JAN FAMOUS FOOTWEAR 40176 CARLISLE PA 69.99 6 if JAN SAYLWIE NEY9 RILLS FA $23.39 7 It JAN SAYLOWS MARKET NEWVLLE PA $29.00 F-w4sawsa r-M NSn fa WV01MAM ) 1 20 JAN CRICKR A4601 CARLISLE PA SMA7 gy?4 p 9 20 AN SON-10NCAR{MM000N CARL L.E PA 543.9! •FPke04 rde 10 23 JAN $17114BMNR3,E DO R BE NEWILLE PA !69.60 pwdk sel 0110600% in $049 11 03 FEB PAYMENT PROTECTION 145$127490/ $13.12 CNh $OA0 OA35451V 20.24% f0A0 12 05 FEB OVERUMIT FEE FEB 01, 2W7 $29.00 ANNUAL PERCENTAGE RATE appUW 06 pwW: 0. ••• Ma Honf•f Some of the tame of7oew 4ecwwea seweYwpee9. Plwsrodthe taefold aai0o0a1 At Yaw Savkt 1400-903.3637 ® T. Nil G1rn0eelw Re110ove a b npoti a INt a f Ww crd: Sefd psymrw b: CyiW Oae Beek ? P.O. Bw 70994 0 ChwbOe, NC 22272-0194 Sada?e? b: CgIW Ove 1: P.O. Raw 30251 SW Law CRY, UT 34130.0293 NN Nf t ) f wH]4l NY 1 K = O14C44N PLEASE RETURN PORTION BELOW WITH PAYMENT _ C 0 4062362673373966 05 1571900057000071905 ?P1E' wiwYMyvarwMaY New 8alanee Minimum PayrtN?M Due Date Account NUmb9f4W 362$733T.1384 PNmts print address or phone number dtanpes below using We or black Ink. S1"571.80 S71.p0 Mar. 05, 2007 Address PL PAY J? !.EAST Anaunt EncloeEd r ?T Cmi"I aw. costs '40640 P.O. 8" 7081 Ckmiatt+, k 26272-0004 8027442 Home Phone Qftmmle Ph" EEgnal a Roo»wooala4oo/9 m11n m rwaaa as001oA 0 /a as lfratma up 14 I W 9tfla. 111 17241- 976! .172419739194(-, Please wdle your account number on your dw* or money order made payable to Capital One Bank and mell with We coupon in 00 endosed Envelope. SHOP AND COMPARE and you could save $500 or more* off your auto insurance premiums. insurance CALL 1.877.886.9111 sAVE Em mm. . Answ@r or vW "'ww cq*tWw*.cwMrw xanc. Up to 15% when you combine to see how much you can save. your auto and homeowners. Center. Thom's no, ab%vtion and no presswo to buy ZOOBtara w+NY?s?rY?ry--1---urdobldsrdMMaY+s?+anoa hsuna VddrdY w of W W irrYnor Mwvd OMtdr• 1x. (Gllanb IbYw No. OM971q. Anwr Gsr hsrawY Ap1Y.y tY;, rY! dgtrgr aHslw. tYUna 0 sn0 Ysriae rY Yam trIv pm4cW 1o y& N pr abYW l?n ? lrYS. IiW YI p ps. N ~b wills h ?miaar sM mry rYaiw Ow pNamstc? Owd acnQMwful dd7Orowwld?Wndkourod inFgCaenyabrIHledSeW aCs ltlQ 16udrdson dwekrumoeraldYMd dnnw ??xi?eMtyoudgbRy Ia aIy Gv? tLw pweat a aantoa. 4007 (M 8v*m h ?CVM Ons ie s Idr Iy ipRrsd arNnmrk N d" mwvod. /. IWMAYebafel.M.pwae. YM.-Wddyb*-MMd*W-ft 'aft OWN Y.uwy Yb.ra.ar.d. 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Mw.d w i bdwpw. 0 .ur.mul. dW you . -q ..p., r.bdy d-d M b h.n h wbl *wM d M eeWUY tlwM. olecrosa-e - lvio tllmt.Mt r yyoouu mail a w will be credited tu)our accollr wef dw btainm da we msiw i6 (1) you wW the buNom paedab dtb ahMlwt and ebeek is tk awawN taIIIIWIIn aMd (4 COMW Y? p.ymwt w m our enter by 3 pa. ET (12 neon YI). FYeato yfow r Iwt Bve (S) bwiMew dqY far pwW 7elivvaayyyaMnn raaiwd by w at May odla W.M. or in any atbr 4a M endibd w of dw day we wedw db Ow b oo wu days ale Moaday tbrou?b Saaxday, eutu A48 holidays. PWac de Mot we ahplea, papr dips, dc. wbea rv"nns yow peymeul. 8027442 M162 15 important notification of a change in terms to your account Your account is changing. These changes will start with your April 2007 billing cycle:* Late Payouml (Past Due) Fee Your late payment fee will be based on the amount of your account balance at the time the fee is applied. Balance of $0 - $99.99 = $19 fee Balance of $100 - $999.99 = $29 fee Balances of $1,000 or more = $39 fee Your over-the-credit-limit fee will be based on the amount of your credit limit at the time the fee is applied. Credit limit of $0 - $499.99 = $19 fee Credit limit of $500 - $999.99 = $29 fee Credit limits of $1,000 or more = $39 fee Whats Not Changing Although these terms are changing, your card still features all of your current benefits including $0 Fraud Liability and online account servicing. And if you are currently enrolled in a rewards program, you will continue to earn rewards on all of your eligible purchases. We truly value your business and look forward to serving you for years to come. 20002 see reverse for more information, including how to decline these changes to your account. 80274+ retain for your records. Ownlow, 4056 so0 1 7 5 079203 RAM 2 sf 2 0134.30 if you decide not to accept these terms You can choose to decline these changes and cancel your account. To decline these changes, call our automated system at 1-800-2145032 by midnight EST, March 30, 2007. Please have your account information available. If you decline, starting March 31, 2007, you will: • Not be able to use your card • Have to cancel any scheduled payments you have set up for automatic billing • Not be able to redeem your rewards, if you are currently enrolled in a rewards program If you decline, you will be able to pa down your account at your existing terms. We will close your account after the balance you owe is $0 and we confirm that no new charges have posted to your account. Important Information • Your April 2007 billing cycle is the first billing cycle with a periodic statement closing date on or after April 1, 2007. These changes amend your Customer Agreement. All other account terms and conditions remain the same. 8027442 0 2007 Capital One Services. Inc. Capital One is a federally registered service mark. All rights reserved. Lodk In a low RXED 7.W/o APR* today 5600.2 with a Home Equity Loan from Capital One ¦ Colsolyalo 6itr make home Improvements, ¦ Low M= speed poraptep no (On pay car loans-you choose starting at 7.44%* ¦ Clese your ben b to days sr Ipso ¦ $0 ckalpg cost options avaN" Call your Pl raMd None Len Consultant teeayt 14MO-760-2493 PraFarred Customer Number: 8905 026134'5081 Mon-Fri 8 a.m -I p.m. and Sat so a.m-s p.m. EST Capital One is an Equal Housing Lender. Or apply onuse at www.apkelMehoMdNns.am e i Advertised rwuel o: r effoak r of olA 07 and rSim so ddut4nngyg u pry time. APR 's • head en xe e.a8m1 a.db ra minimum 5110.000 6a aramn, 110%oonr6i4d 6m-r -j- red. o'x°p'?awa -`?? td s 16yea Fmedaaa amralJim mmgrle, Addiriond remu end rarricriaa app!} Sec mtrae for a ad mi Iepnue, iriornradoa Hown FINANCE Preview Balance Payments A Credit - CHARGE Transactions New Balance Minimum Payment Due Dee 51,571.90 - 5750.00 + 516.57 + 541.82 - 5880,09 $28.00 Apr. 05, 2007 sa. Feb. 06, 2007- Mar. 05, 2007 Page 1 of 1 = n4Y raw Y IfASt na xaasrr Vim Platinum Aceoum 48643626.7337-3364 Your Accoum hsromration j TAL CREDIT LINE $1,500.00 EDIT INE FO E CR H EDIT 5 lm58 100 EDIT LMIE FOR ie AILABLE CREDIT F CASH 19.81 FTrranee Llaryes (?laue au reuse far faponaet inf0rmado ) Balance rare Periodic Cm,d applied 10 raa APR CHARG Purohma $1.129.16 OAS247W 19.15% $16.37 Cub $0.00 0.033455W 20.24% $0.001 ANNUAL PERCENTAGE RATE applied this period: 19.15 ® At Your Service 1-8110-903-3637 Teal] Customer Relations or to reports bat or stolen cud PavmuYa. Credits k Adiwatss I 17 FED CAPITAL ONE ONLINE ACH PAYMENT $730.00• Ttansaedona 2 04 MA0. SHEET7 00002634 CARLISLE PA $33.00 3 OS MAR PAYMENT PROTECTION 1498-327.6904 $8.62 ® =a.4: paymcel One 0 P.O. Box 70994 U Charlotte. NC 29272419114 I b: A Send iq Caplts On;. e 0 7 P.O. Box 30293 0 Sall Lake City. UT 141304283 lase 406 t 1 a 070)011 aez 1.91 91.040116 PLEASE RETURN PORTION BELOW WITH PAYMENT ow I ~sin year vAdr 0 4962362673373364 05 0980090750000026006 Now Balance Minimum Payment Due Date 5880.09 SZ8.00 Apr. 05, 2007 PL P PJ? EAST Amount Enclosed Capital 0- lank I.O. set 70484 040956 Chalotte, aC 28279-0084 80274428272OMS470 Account Numbor4862a626.7337-3364 Please print address or phone number changes below using blue or black Ink. AAddteas 480044040033340004 Io1TL m a0ansia Ja88iClk D 11311131 34 n9sLXM aD NBMLLa, Ph 37241-9739 :172119739394^ Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to consolidate debt. nuke home improvements or haw cash on hand for unexpected expenses Our customers lower their payments an average of $400 per month.' ' Iowa Outage manddy payment rLim brad an fats marhi paynaaar an t.aa-putrbre trams eadauiw ofdosing arts, then Orford hetwan OI IOIII006 and 12/302006. Anunl IS-, payment may vary. In .mm cam, aefiamaring r pay u f addn6 dd. nuy .acrd she term d the dabs, possibly reauhing in highs Overdl casts. 10-day cdim calvaltad flan waipr d-plied appl-rion and all requiaed supporting doct n-don. SO-clmiig an Option require minimum lam anwxua d$50,000 aid u na awilaW with all produce. Csmpd awilabdiry u of (IIAW07: 860,000 20-p. feud-nrc hmaw aquiq I- ac 9.40% APR. AAdki-A amts and wsuictim. apply. O&r im-W for qualified applicaw only Tem. Saul caralu mss nmy dimW at any tins. No all Iwn pwducu Or coma are amiable in all mtcL Mud lam alma arc aubjcct m gwli =ion for iaama nrd'm and pmpery. The aaul dosing rimea any wry band upon the raw in which chc pmohy is ktnad. The u ran a aamnaimlbn ro nuke a loot Or a a -Jvawm ro dw i.c caw, pain. aw far 6r a ba. 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Rol ow v.ooar? cea m be moon aadiYm'd n r of at the me day r we b.r teeRoiveve E(s)ms hw:er Oar y buyiwm 8me dape.Wy. bro Notl. stovma"y.y Iyeaaos a.edved by w r aq.tlcoaw bc.uon or u1e wPk+, papa CUR. ac. when Preparing your WYaYetlL tbouth ga•a•d•y, excluding holideyL I 1. 8027442 200074 get- stuck with a great fixed rate A FIXED rate home equity loan from Capital One• is the solution to variable interest rates. Loan Amounts: A Fixed Rate Starting At: Closing Costs: ;20,000-;500,000 736% APR* $0 options available Hidden Fees: Closing Time: Tax-Deductible Interest: Personal Loan Rep: NONE 10 d or less YES$. YES CaPftW0nq;e,q Home Loans Your home's equity deserves the best. IESSICA D AGLLER: Capital One Because you are a preferred customer, we'd like to help you make the most of Home Equity Loan your home's equity with the least hassle by inviting you to apply for a Capital One Home Equity Loan. Upon approval, you'll have a FIXED rate starting at 7.56% Fixed APR annual percentage rate (APR)' and an amount customized to meet your needs- Starting At from $20,000 to $500,000. 7.56%* This is a great way to pay off high-rate debt, make home improvements or have money on hand for unexpected expenses. Plus, you may be able to lower your overall monthly payment by as much as $400' And keep in mind that the interest No Hidden Fees you pay may be tax-deductible. Just check with your tax adviser. Personal Home Capital One Home Loans makes getting a home equity loan easy. Your Personal Home Loan Consultant will explain all of your options and take you through every Loan Consultant step. In most cases, you can close your loan in 10 days or less. So give us a call toll free today at 1-600-760-2607 for your no-obligation consultation. $0 Closing Cost Advertised annual percentage rate (APR) is effective as o(02411ro7 and subject to change at anytime. APR is Options Available based on an excellent credit history, minimum $80,000 ban amount, 80% combined ban-to-value ratio and a 2o-yeartixedextesecond-knmortgage. Additional termsandrestrictions apply. Consult your tax adviser regarding tax deductibility. 7 Lower average monthly payment claim based on first month's payment on ron-purchase loans, exclusive of. closing costs, that dosed between 01/01 /2006 and I M 1/2006. Actual lower payment may vary. IIn some cases, refinancing to pay off existing debt may extend the term of the debt, possibly resulting in higher overall costs Capital One is an Equal Housing Lender. See reverse for additional important information. 2001174 Apply Today For Your No-Hassle Home Loan Solution Visit us online at www.capitalonehomeloans.com Call toll free 'A 1400-760-2607 Mon-Fri 6 a.m.-6 p.m. and Sat 10 a.m.-1 p.m. EST Preferred Customer Number: 9000 027 122 5657 L 9oa 4 7 a 014409 /AiOt a ee x wee - W9C9wa 8027442 Home Equity Loans I Mortgages I Refinancing I Debt Consolidation Q: Is there o obligation wiles I era? A. No. Whoa you alt us, you we under no obligation whatsoever Whig your phone caovemtlon, a Pascal Home Loan Consubo t wH simply, help you ddermiae the loon aaooam and tams dart beg suit your fields. 11hen kl; entirely up to your Q. Why not end use my bock for a !same loony k Capital One Hoare Loans aloes the hassles out of the loan process. Nos only Is the process quick and easy but it); personalized. You wont have to dal with lots of fleopk. You'll have one delliaked low consultant who will handle everything firm gam to finish. Q Wirt property types we eligible for a Capital One Hoar Isar? A. We alter home loans for single- and multi-famlly, homes, townhouses mad condos. At this time, we do not offer home loans for cooperatives, anmdactued homes and modular homes, mobile homes and nomwercW, properties. Q: Can 1 borrow more than my home's value? A.- We have a product that allows qu Wkd appllanu to borrow up to 125% of dtdr hornet value. Q: How as I use my berme equity lam? A. use it boom you choose. Pay of Wsher lam rate credit and and loan halm, make home tmprovanaus or cart a am business. Keep in mind that no matter bow you use 0, you may be We to deduri the Interest at as thee. Just dick with your inI advises Q: Does Capita One Home Lam require a minimum loan W "Mt? A. Yes, die adenjrnum lass" amount is $20,000, Q: What if I am self-employed or have missed a payment? A. Whalser you have perfect credit, leu-khsn-pates credit or have hard-Wprove income, we will work closely, with you to try and find a home I= solution that best mm your needs. Q: Wirt bdonaatla do I seed to have ready when I call? A: Please have the hollowing Wonoadat avalbW e Your Preferred Customer Number on the front of this letter e The estimated value of your home a The balance of your first mortginge The balance of any secondary mortgage boos e The amount of the tam and credit card ball has you would like to consolidate - For your no-obligation consultation, simply call us toll free I-800.760.2607 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-S p.m. and Sat 10 am.-1 p.m. E5r. Or visit www,capitalonehomeloans.com Preferred Customer Number: 9006 027 122 5857 be Apply alt started took". or call us toe lea, It you're online. c"O rte tM easy and secure application, and a rersonal Home loan Consultant will call you hack tight away! V Get a quick decision 1h,all know if you've been approved in minutes V Rack loan status 244row access lets you track your loa status online. And our consultants are avaaable via phone or email. Y next-day delivery Mreyour paperaark is prepared and deasered to your door via neatday air or by wnail. YVe nude hsimple - highaghdng the areas for your dif-une. gne! an.? r Ooze In 10 days or, Iml ?KJII??/s Hera ywr check sent to you w direct deposited. 10•day doom alctdated from receipt of wmplcad application and AN enquired supp mina dunm,cruariun. Wdcuina,ause option rnquivs ndnin u n, huh amount of $50,000 and is nut avail" with At products. Sample availaWkY as of 02!!1/07: $80,000 20-yr. food-nta hurne equity bur u 8.56% MR Additiatsl corms and snaraicti,ms apply. 0&, in-ded for qualified app6ear., only. Taw and auditions may chaayc at any ,ins. Not all loan products tar tams arc available is all araaa. Actual loan corns are subject to qualification fur incunre, credit and pmpeat, The actual doing Lira may vary tamed upon the awe in which the p perry is lcaaed. This is nut s amuuiar-, w nuke a bas or s c urunituwu a the iunnet race, points and fors for. it.,,. 0 21107 coital One Snaps Iac CQpital one iota 6IMIRY"?dared tvkenrrk. AN ri/esrravtd 8027442 Home Equity Loans I Mortgages I Refinancing Debt Consolidation Turn high-interest charges into money 500641 you could put to better use. A fined-rate Home Equity tioan from capital ones can help you consolidate the no-hassle way. • Fixed APR starting at 7.56W ® Call toll free 1-eoo-76"607 • Loan amounts $20,000 to $500,000 • $0 dosing cost options available e close in 10 days or less ® Or visit www.capitalonehomeloans.com No hassles from call to close. Your Personal Home Loan Preferred c vto. ,14umber: 9006 056130 7937 - Consukant will handle everything. • Aj.;:al awed paangr ere r Maws. af02NfA7 std aeajw r d,ye a any lime N'R: lord an an ame5mt eadie ?owF naai„xe, Sea 61n scow. wPlmnhied 6awvJ.r ndx a,.l a 20yur Aaeje -O d-6 , nw,p,ac A&6-9 sera, amt mn - IPP7 ?! Copal Goe r a Equal Hmwnl Lando Ser rune k adLio,d -p.- k-- sm"'Ir ,.. LlP?[N Nettie !gully lNns I Mortgages I Refinancing 10+6t Consolidation NDett FINANCE Previous Barmen Psym ots 3 Credits_ CHARGE Transactions Nev Balance Minimum Payment D. Date 5880.09 - 528.00 $21.56 5624.48 51,500.13 545.00 May. 05, 2007 r=. Mar. 06, 2007- Apr. 05, 2007 Page 1 of 1 FUAR AN R WAR W NIOWI Via Platitum Account 4!62.362.7337-3364 Your Acnowd IsIbnestim 1OTAL CREDIT LINE 51.5 00 TOTAL REDITAALIN OR CAIT $1,00000 -00 AVAILABLE CREDiT F& H ?SOO 60 Finance Charles (Plan sea levels for btgomld infotant ) Ilelow rote Pa;Wk Cp?aawdinWTAN applied to rate APR CHARD Ptmha64s SI,323.20 0.0324NW 19.15% $21.56 Cads 30.00 0.033457iP 20.24% $0.00 ANNUAL PERCENTAGE RATE applied this period: 19.15 ® At Yaw Service 1400.903-3637 To wll Cudmw Rckdow w w reports bra w stolen cod Payments. Cradle a .. 1 03 APR CAPITAL ONE ONLINE ACH PA YMENT (26.00• T 2 66 LIAR TRACTOR-SUPPLY-CO !0264 CARLISLE PA $2.43 3 08 MAR SAYLOR'S MARKET NEWILLE PA S28.01 4 10 MAR KD4M2D SPIRIT VErERINAR CARLISLE PA $192.00 S 13 MAR TRACTOR-SUPPLY-0D 00264 CARLISLE PA 57.57 6 14 MAR GIANT FOOD 0331 MECHANICSBURG PA $33.00 7 1! MAR WAL-MART 02374 CARLISLE PA $32.66 t 1! MAR L,OWE'S 01710 CARLISE PA 514.36 9 1! MAR THE NOME DEPOT 0049 CARLISLE PA $104.96 10 It MAR WM SUPERCFNLER CARLISLE PA $75.79 II 20 MAR ILLUSIONS HAIR STUDIO NEWVILLE PA $30.00 12 20 MAR GIANT FOOD 0331 MECHANI SBURG PA 531.00 13. 24 MAR GIANT FOOD 0331 MECHANICSBURG PA 531.00 14 05 APR PAYMENT PROTECTION 141111-5274M 514.70 Capittl Gas No= Loans allots a variety of oo halo bome ban p oduc0. Including and s++rts yak refinance and ® Seed pa w: ennoolidaym low, a seen home alway bans and Nan of Gadit. Germano of expo ieaoed professionals Caphal Ora Bank C P.O. Box 70!04 0 Charlotte, NC 22272-0 dw yoot dtssdoo Is unigm w your bar solution sbould be we. You7lhave the one-on-me wmtlm of Ube same plaster loon emwhaet 6oro we w elo64. Visit www.eyiaload mdosa.com for mom information. Sand Inquiries w: CROW One is an Equal Housing Lander. Capita One C P.O. Box 30243 O Sak!aloe City. UT 94130A= 0664 sea 1 7 1 +70464 same 1 ae 2 01,006964 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4862362673373364 05 1500130026000045005 4t:a„kIAW() +'I what's inwurwalkt7' Account NumbeP1882d628.7337-3384 Now Balance Minimum Payment Due Date 51,500.13 545.00 May. O5, 2007 PL &AgTLEAST Amount Enclosed Ceeltl oar look 041230 P.O. Box 70114 Cbselette, TIC 20272-0904 802744/2 9470 Please print address or phone number dlanges below using blue or black ink. Address - Home Phone Aftmtele Phone E-mail address go 49009t5040031340034 t01IL ID WUMWA saseica o IaLUx 34 914300 = IlEMS. i, IPA 17241-9739 01724197393240 Please wrote your, account number on your OxKq of money order made payable to Capital One Bank and mail with this coupon In the enclosed envelope. Dotit forget you cart use your homes equity to mnsolidatc debt, make hone improventents or have cash m1 hand for unexpected capensa Our customers lower their payments an average of $400 per month.' ' Mown Menge m..tWy pymot dim based on runt m..&s paymmu on wn•ptucham bam, e.dmin of doting em0. det dond betwmn 0110112006 and 12/3112006. Masai Inee, pWRMsM may vary. 1. sane u.u. rdinrdng to pq oRniuilg debt m.y -tend d.,.,. of dw drbt, pobibly mdtisg in WOW owaall mws. 10-dq daim CA10" from remip of msoplad appliotim and all requird mppaning doamematim. $0•dos;ng-omm apia n*m ,ii- ban uno at d$50,000 and it not arailable wide all prodtve Sample availability n of 02107107: $t0A00 20-yr. ford-ram home equity loan at I.56M APR. Addidond ums and ratrictia. apply. Oifa intended for gtMfdld spptiotus only. Teems led candit6m my d W u my tir- Na all ban pmdsmu m tons me mil" in all antra. Actual Imi urms om tubica mt a eomminnenr r. nwfe a leas ro quJiliurion for irunroe, slodir .srd papery. lire anual dorirg times ttby vary bamd upon tlu acre in which the papery u looted, Ill. it or • mrnnii- ro db inmmt nim poinu and kd for s 1- 0 2W Gyial O.. Smrk Ina Gysrdl Ow it df6krwAy milbumd mrwin mu.d. AM r0a rew-E (tome Equity Loans { Mortgages j Refinandng I Debt Consolidation 1. tl.ub to Wnw W one Y Aawl pay dA raam. . Now Mdrn Nb1 burl i c. now t d. Tarp. Aw ours 2. Mrs p wra: o Y pw pv..br.r. w.r ap w s.• rw aw wpw.n b wrM M prallwb Mar M ra.rbbd sou maY b.w a. Aall w haq&Antnmbdq..rmadd.. wMoo v- haYa K WbN.n ady.Arm 101 P.aaardp? wm.m $0.80 W Mpta-a Ad* db 1.yymh- "Sam rrMrt I40an AlM d pwmNYgadwN.tawa00w m .ab.ta ew n.rdmL are w. nwem tau a. Mrba...rre b lw ppwtym arvkr, ra.mr. w cerAad raaaadar d altrRr b b W.. d p/dur.l nr..MM.Ab b d/1 N a Yr a it. dyer n.n aw .b area w A. uVn. .rat. add And Lw pol Fbiwmd Commdon. AS 006 Aarvad 01055C OWI Ont w c m pA. You awrae. d*bdmrbye 1 0-".Ppa• b mn.a.w aoo-a.N a.d.maam I Dap nd.Mhb b1mYr.1. naaa.NadarmbaF cow Oa. nrpd.rb.Y.rr.atlrn pmaaY pdrtlan: FN aw nab.b d aYriaollrltan ca.rlomYFiml so y rgm"0awd..matdcopalom elrw.nbm.u =I 25 a.erbewddwn"MIN = . dwq.rnr 0*-w a.brNm.ml w"MmP sh. N w-,W . d.Am vlm."Aa babb pvYM 1/N SrM.d.'.b aW."al mwdwsea matt M•mmtw lt.doa Yrabanrrm blew. aA.m.tFarr.tteababa- Mwi.abYmt•adrstb.awa .. The wm•Am+rd pnwrrtbyal Yr?.r aaArlManmW a. A.. AntdN<m ?bad/dm,MY Aare p.*w 0.le.rr. P." PdmW Y Ymriri.tPM Ir WITMw f0ar.mY C0l,redMdrr. dKdM.rnabtbS .ta?TrrpNw. atddrN m ral.aNmraraett/m Am FYI{ tbdM.ar.Awba dwpll sawaNrsarTa.mdrdw dw •wYV.tYmrMtNFWm.y bv bddr./an,rWdbt Wtr pbA-M.ralb WVWW e.mnawp.rlwmyedwd <m MMI%oWW.AIMraRtepu badbsmwrde Ybd.ydy Wpr•AmmrM , WIN% Y.rpttt.l....... w .." t/tbp{e.rlMrar. b.b.r bYev Ape. Ado ed oNAW.. w ppYbatwYpW YY.TnY aYMrd.00MiddY M•f .ran.anpw. Wgr,mmnelau (p..w•ytYaOMt1.d0.m.a.? Ylmm. YrdY.ladrdbMdpv rlarab Yw p.bicfaarY),N ..Yl.r.t tl.Nmdt?eddd nd do oonrpstiy AI1MYL PFlIL M UprR.wdwem:..d.ad a N .rddyvA.raw. n- wk tpYa., m rbW A 7r WAN 4 ,! r.rg?ha.dt.uta wdw y- -*v p.rea*mMYpdb .etrtr.Iwa?aadda.m bur N.O."Oe.nt?Ydyywm? daaaart/MYtmmM• 4. Araawmbd d tab, Orw1YN m M. Fbmr ebM Yn raamv. aw F- tArd.r lib bmm d Year 1 Na4yasaan yywaY trail to r will be credited in youraccount as of Yee business do we Lreceive t. providd ( I) you sand the. b? of this datewtbN and yon check in dA eneioaed ranimnee an Std (2 t is ro to our r oopsm? caner by) P•tl (12 tom P7'). Plwe a0ew d kw Rve p) brdnsN Mya for po.W delivewryry y?imcm ra?uived by us at sty 4 kegbn or in any Slur fnlim be ended r ofdb day we mmive %6m Our buerreta days ere Manny *ivvSlr Sm rday, excluding boliays. Plrae do not use supim P•P•* clip, etc. wb- pnpateg yottr P-Y-t. a w wow nd r Y- UWM sVem . f AOrasnidre ? w d It NW. Ab.A 41.0-k cb.N ta.wrw? by e tMwn Yw nwMa.d" rp.ywr. Y•• au..rbr w a1.....6. alwrbom Adm.Nr An row tMarA bnW •..aonm ' daNW t WW.utar6- Fr' We am" r bpm - n.Fteerw . t m.pY.rtl Mwuw awaal.wn P? m.; m YtwmNr bbtrym.atwN b ll .b. m abmYmdCa.. mom F i Y bm.rd. b.ta. nrperwMwml.m yMSMe r.maar w Iw.) wM. . asst r db ww M wr..Mw Ywa.?rra, W Y" 'A E m ? naleaoMN YOVduArbme Ain ym/lnrdd 5wt\NU• IMTIa ad CFM/A , b ard..rN6rasr aaane paatrl SUMMARY yRa ebrtJm.ad, p.. of F? iw am Y i V- Pe" yA.rrnwinb..rmmr "eW a .6" Yw 9 abwardm Abe..N.br m.alaeab alrrlr[wrr 8027442 7..56% APR* 500085 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Equity Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One• Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 a $0 dosing cost options available • Close in 10 days or less No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free 1-300-7W .M3 Or visit www.capitalonehomeloans.com Mon4rL tantftwn.' Sat IDarr, Ipm EST Preferred Customer Number. 9105 036 136 5970 • Adwld,d.uxd pa.n.ep.rc: dndw r e95f1]l7007 rA.60 wdap -14'- Mk i b.d ee a o ii.....d'u d•weN m+dm.rn s10a001oa. -m 00% .AkW I- d. rai. W, Iona a.ed-na acad4w n.ne -AddidnJ rru. rW 40y ? Cad Ow u an E port Howi%Lades S.e mean f.r ddiriarl impm.nl idm.r? L 5 N.+we 4- LEtW Home Equity Loans I Mortgages I Refinancing I Debt Consolidation FINANCE Previous Bolson Paymmu A Crodik CHARGE 75eroacdau New Bahnx Mmknom payment Due Data 51,500.13 - 145.00 523.77 ? 514.64 51,493.54 544.00 Jun. 05, 2007 Apr. 06, 2007 - May. 05, 2007 Pape 1 of 1 I nt4at wen an tmtr ne waaan Vim PWimm Account 4162.3620331-3364 Your AooOwt letollMd" TOTAL E?DIT LINE $1,500.00 TOTAL AVA0.d48LE CREDIT $8.46 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH 58.48 Plana Chun O'1mm 5so lever5e for ingoroM int saimm moo Periodic Conwoos WMANO appMd to me APr'Re Purchna $1,510.09 oA5247W 19.15% 623.77 Culs 30.00 0ASS45W 20.74% SO.OD ANNUAL PERCENTAGE RATE applied this period: 19.15 IS At Your service 1400403.3637 To all Customer Relations or to mpon a kw at stolen and Pa`nnua credits, t diusbeaer 1 05 MAY CAPITAL ONE ONLINE ACH PA YMENT 345.00- T .w.a 2 05 MAY PAYMENT PROTECTION 1.888-52769M _ $14.64 COW One Herne Loan odere a variety area hook home Ian pnvducu, 4dudie8 fire rartaigat, refinance and "consolidation low. as wall to Met equity bam and Nor oterada. our ramp orexyanietu d IuoNadoah eedwoands dot yew aiW6oa is unique coo yew ban sabtion should be be. You71 have Ole 00040-OW situation of do carne puposel lose oanwhant alum all to elem. Visit www.egimbtwAanelaa.com for more information. Cspild One is w Equal Raising fader. sad paynu n: Cpigl One Bank ^ P.O. Box 70881 7 Charlotte, NC 28272-0t61 A Send Inquiries o: Capital One 0 P.O. Box 30285 C Sak L*c City. UT 84130-0235 mss Ben 1 1 s 0105" WAS a er s olec"son PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4062362673373364 05 1493540045000044002 Cap111WO ' I whStY in put wallet? Account NumtleP4a623828-7337J364 Now Balance NIInimum Payment Due Date 11,493.54 E3p4g4?00q?r p? LEAS 05, 2007 PLTHIS PAMOUNT T Amount Enclosed Ca0ital Own ennk ;113691 8.0. IMe 70804 Cherlotta, NC 26272-0904 80274423:7zo33,3.7, Pk4ase print address or phone rwmber changes below using blue or black ink. Addmw Home Phone Alfemefe Phone E-maNaddns3 it 890126040031340000 SAIL 1b Noateex =2JCA D MILLIM 38 138xLM RD N=riU i, VA 17241-9759 1724197593840 f Please write your account number on your check or money order made payable to Capital Orw Bank and snail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to consolidate debt, make home improvemenu or have cash on hand for unexpected expenses. Our customcts lower their payments an average of $400 pas month? I Lower awrW aanssy payment claim bad on fire monrhi payment an nowpun#src loam, aclwiw of dodos was, dw doted between allo1/1006 and 17!3mom. Aaud lows Prawn my vary In some tats, rdrrnunyt to pay off eldsin`"nay aomd the term of the debt, possibly newkiai; in hV er aaatall sons. ladsy claim dadued Iran mxtipr of completed application and all requited supp sning douunsaadon. f0alniny; cos anion requires minimum ban sassiest of f10A0o bad is e« available wrist all pradu s. Sample availability ar of 3112J2007: $80,000 ltFyr. fiacd sec home equity 6m ai 9.0616 APR. Addidand rearm and restrictions apply Ollsr la laded for quEfid applicants only Terms and -liriau may shame at arty was. N« all loon produv « cams ate availably in all arises. Actual ban terms an tubjat to qudifiaion for inane, -alit and pagw". The actual cbdty ems may vary hued upon the sore in which the pmpcny is lanwd.'Mis is ant a commitment an make a loan or a .onunitmant m the interest rue, poitw and fees for a bon. 6 20070q*-I Onr Smwrea I.. Gout nest is ayiA,4 r jisrnd urvin tack Alf kb marten Home Equity Loans I Mortgages I Refinancing I Debt Consolidation t. tlwbAvWarbmmptxN...--- Pa seances des to eras Pwroa NW VA lwca anaidesmQme Pwad at as Mawabwdde bins Wwa anaaw chaav- wawasmx roes Reset«da Wwa Wasson rwayaiipwdmossew- rr Ma evlwav daremafeWpryfwlW'Merdtraa'.k awswadsaw pmWdaw wMMbrmWb aads. 1. 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W ay w. tsoliYa iron. dyad or sans au liP, ee. when Weparie f your ppnanl. °0274:2 Cafew Qt18iI?_ Home Loans- IW?4 MIEEEMED QISiOMEA DffER: CIDSIN6 TIME: OFKAL SEAL: Home Equity Line of Credit 10 Days or Less ACCOUNT SUM: CIDSING COSTS: PREFERRED $0 Closing Cost OptionsAvails TOLL-FREE NUMBER: MWU HOME EQUITY UNE OF CREDIT AMOUNT 1-800-780-2493 $64,892.001 NFTEREST PAM' ExAMME MONFHD' R\MENT DOCUMENTS WORKED BY Starting at Prime, $446.13' Currently 8.25% APR' Dear JESSICA D UHJ ER cA,iPML ONE HOME EQUITY We're Impressed with the responsibility you've shown in managing your banes with your ' ' LINE OF CREDIT ve been specially selected to apply for account So much so that you current CaplW One a Capital One Home Equity 61ne of Credit. We are committed to getting you the best rite you qualify fou; surfing at 825% APR" Upon approval, we offer loan amounts up to $500,000 based on your individual needs. APR STARTING A1' PRIME, aRamm A flexible anytime cab son= Withdraw the exact mom you need simply by using one of the convenient access cbecks, then 8.25% pay it back in low monthly payments that fit your budget Plus, say Interest you pay may be tax-deductible. just check with your tax adsiser. This is a great way to: CLOSE IN 10 DAYS a Make home improvements, pay school to tdon or cover unexpected expenses OR LESS a Lower your overall monthly payments" a Consolidate high-loterest debt Call 1-800.7602493 forpersonal service PERSONAL HOME In addition to this special offer for a home equity line of credit, your Personal Home Loan Consultant LOAN CONSUl1ANT will work with you to find the best solution to meet your needs. We offer a variety of home loan solutions, including rued-rate home equity loans, refinancing and debt Consolidation loans up to 125% of your homes value. NO HIDDEN FEES Sincerely -two PA W. Johnston, Director; Capita One Home Loans t Upon qw", your e,edlt Rne mq ary based as yow Vedk da ow. $64" for "13 a momb eaaaple is bawd 69 a vadl* _ anrml PORCINN'rC rw dhYw, cataa11 g.25%Tk moany amatmt it IS hNS01 do pgamd W tk twee IN yarn. YOU Lea tM epke d pgbg sae wand pemdpt wheam ya dnaa wA W pgwpm peeoldec Vkft Gat s bone e** km or he of caedltmglaueuedram)wmkrdmwftRgwrwaddwIoMwmmwpadcarestaaryedgywrcw Lwmama,. • YahMle ana,W pe,caeye raw a pumskd m d,e ^Mnneya movAr se w,a d as tW.o- wJfawda d 3/20/07. Msdmm AM Is IsAft. - In ame om. wwRalklaE b pq off cooq dek mq Cmmd &c twm, ofdw debt, pwdbiy remdtmr m MoK uwd coati ,GOO One Is a"Ww" Leeds see rrmse far *"in" Imponwm hdnt m w Apply today for your no-hassle home equity solution. 3W74 8027442 Home Equity Loans Mortgages I Refinancing I Debt Consolidation 6955 506 1 7 5 o+ous M= a ae 2 - 0106954 ' Q: Is there an obligation when I call? A. No. VA= you call us, you we under no obligation whatsoever. Durkg your phone conversation. a Personal Hamm Loan Consultant will simply help you determine the loan amount and terms that best suit your needs. Then irs entireiy up to youl Q: why not just use my bank for a home ban? A: Capital One Home loans takes the hassles out of the loan process. Not only is the process quick and easy, but it's personalized. You won't have to deai'with lots of people. You'll have one dedicated loan consultant who will handle everything from shit to finish. what property types are eligible for a Capital One Home Loan? A: We offer home loans for single- and mull family homes, townhouses and condos. At this time, we do not offer home bans for cooperatives, manufactured and modular homes, mobile homes and commercial properties. : Are there any check-writing or transaction fees? A: No. You can use your line of credit how you want and when you want without any fees. You can evert get cash by simply writing a check to yourself. Q: Now can 1 use my home equity Ine of credit? A: Use it however you dime. Pay off higher interest rate credit cud and ban balances, make home improvements or start a new business. Unlike a faced-rate loan where you make payments on the entire amount borrowed, a home equity line of credit gives you the flexibility of only making payments an the amount you use. Plus, no matter how you use it, you may be able to deduct the interest at tax time. Just check with your tax adviser. Q: Can I borrow more than my home's value? A: We have a product that allows qualified applicants to borrow up to 125% of their bome's value. Q: Does Capital One Home Loans require a minimum loan amount? A: Yes, the minimum loan amount is $20,000. Q: What information do 1 need to have ready when I call? A: Please have the fallowing innfommtion available: • Your Preferred Customer Number • The estimated value of your home • The balance of your first mortgage • The balance of any secondary mortgage loans • The amount of the loan and credit card balances 'you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800.760.2493 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-1 p.m. EST. Or visit www.capitalonehomeloans.com Preferred Customer Number: 9105 017 122 8d01 Everything should be this simple. Our No-Hassle Home Loan Lending Process ? Apply, Gnat stunted online, or as us toll free. M you're online, corntst w the easy and secure application, and a Personal Home Loan Consultant will cal you back right awayl ? Get a quick dedslort You'll know it you're been approved in minutes. ?we* loan status 24heur aims less you track your loan status.rlne. And our consultants an avalabh via phew a email. ? Nadday delivery Al Your Paperwork is prepared and dal mW to your door w men-0ay ale or by email. MV, made 8 simple by Mglrlghtkrg the arias for your signature. ? dose in 10 days or letsl Hare gout check sent to you a dim deposited. 10.dev di. sakulaud from rncipt of uu npkud appuadon and all required supponitg J -audaa. fotbdaporu opdon rcqui- minimum loan amount of f W.000 widr a f 25=.inimum &m 6e and 'u m a v",k wish a0 p.dueu. Sampk awl .Nji y u or 3rxm7: fa0.0g0 20.yr. r r66k rats home equiq• lint of credit wide f25.gaa dnw sits. anetsdy u 9.25% AP0. Addirimul semu and ratriad apply. O(fa intended for qualified appikano only Tema and conditions may charge x my rime. Natal ban pmdwv or rant arc avaibbte in ere uatea. Auual loan ccrets arc sAj= w qualif asioa for iocame, cwdic and prop..y Theass W dodna times may vary bawd upon the rests in which the prepury is boxed. Thies is nor a commi.unr to nuke a ban or a mmmka- w the imuor rue, points and lees for a ban. 0 2007 r"&d Gu Snnn-, fee Qyusd Orr u ejiAw4 n siorraf--, dr 1, Ace rV&. retread 8027442 Home Equity Loans Mortgages I Refinancing Debt Consolidation 7m45% APR* 500085 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Rxed•Rate Home Equity Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • $0 dosing cost options available • Close in 10 days or less No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Calitali free 1-ao0-7604607 or visit www.capitalonehomeloans.com Mon-Fri. Sam,"; sat foam-Ipm EST Preferred Custorner.Number: 5067 031 019 7916 sans • Adwmkad amamd paamWrrs katha aeaad4nX1an== W yyd.,r.ANt"a bared a. a em" oath h-A-10 k- nw. ?. a0b, be"6-.A,.,aao rdax`yea p7a?+fs 6i onnpk k" AA &.o" mmr ridianwunn V* t:pid one k an Equal H." Lorin. Sw mere for ddawal imporont inimmirion. Home Equity Loans I Mortgages I Refinancing I Debt Consolidation FINANCE Previous Baknce Payments & Credits CHARGE Thasections New Balance Minimum Payment Due Date ;1,493.54 - 544.00 ;29.11 + 514.63 = 51,49328 $44.00 Jul. 06, 2007 May. 06, 2007- Jun. 11, 2007 Page 1 of 1 rI sera ere AT dw INS Alto f IMPORTANT INFORMATION ABOUT YOUR GRACE PERIOD: Ityou pay your balance in hit every month by V i P4timtm Account your due dab, you will agioy as ialarset-five grace Period *1 `25 days on new pamhra. Payins by your due 1662.3626.7337-3364 date also help avoid late tees. Please tee dw back of you your aettatenl for more devils and thank you for Your Accaot bforsrtion your busier. TOTAL CREDIT LINE ;11500.00 TOTAL AVAILABLE CREDIT $6.72 , CREDIT LINE FOR CASH ;1,5007200 1 AVAILABLE CREDIT FOR CASH 56. L=-,L Chirps (Please am mverse for important idbm a ' ) B brae W raw Periodic Com; ndie ?4iHARG 81,499.39 0.05247W 19.15% 529.11 80.00 0.05345%P 20.24% 80.00 PERCENTAGE RATE applied his Period: 19.15 ® At Yoe Service l d00.903-3637 To all C%stem r Relationsor o reports lost or solo cud Payments. Credits A Adiuatments I 051UN CAPITAL ONE ONLINE ACH PA YMENT 844.00- Tr¦nsaetiorts 2 11 AN PAYMENT PROTECTION 1.668.327.6904 $14.63 Capita One Herne Loans of errs a variety of no hark home lose produce, including firm aunrpaw, relfeamce and debt consolidation Ions, as well as be me equity loans and Uses of omdil. Our ream deaperknced prderionak undesWeds that your situation is unique so your hue oak" should be too. You71 ban do ooe-on.ome apandee of the seme pausal lose rorandtuns team o0 to close. Visit www.eapieloaeltornelouts.oom fa more information. Capita One is an Equal Housing Lauder. P.O. Box 701114 O Chalons, NC 26272-0884 ® ==:0 A Sad Ylrler b: capbai?,e ? P.o. Bea 3112e5 r Salt Lake city, ur e4130-02e5 "so sob 1 1 11 070611 r0 1 a 7 ornams PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4862362673373364 11 1493260044000044006 calplwo w I whws in your wak r New Balance Minimum Payment Due Date 51,493.28 544.00 JuL 06, 2007 PLI;?E,PAYUATTLEAST Amount Enclosed n?? O Nosed ?? CaP1ta1 One Rank P.O. Box 70004 D4197D ii;;Iotte, NC 28272-0664 8027441u7zo6e, ' 1 Account Number4M3626-73373364 Please print address or phone number changes below using blue or black ink. Address Home Phone AiYemate Phone E-mail address da 490163040031340030 MIL to MOM= 1c a D NZLLNR 38 PUZZA1301 = NMWZLLN, PA 17241-9750 C 1724197593840 Please write your mount number on your check or money order made payable to Capital One Bank and mall with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of $400 per month! r lower average mashy payment claim hued on firs wool payment on nowpurchate bans, adudve of doll co" that d.W between 0110112006 and 03/31/2007. Actual lower payment may vary. In some aka, kefinandng to pay off caring drk may extend the term of the debt. poll resulting in higher ormll Mata. 104ay daim c"aced from rea ipt of Mmpkad application and all n:quirod supporting documentation. SOtbdngs option requires minimum ban amount of 150.000 and is not aY."t with a0 products. Sample Milability as of U27(2007; 180.000 20•ya fixed-rate home puiry loan at 7.96K APR Additional arena and rcariaiau apply. Offer imended fur qualified applicants onlytTerma and conditions may dange at any time. Not all loan products or semen are an"k in all alas. Actual loan terms an subject to qualification for income, alit and property. The amid doing times may vary based upon the aoa in which the property It located. This is .o a commitment to make a loan or a commitment to the interest rat., points and fees for a ban. O 7007 Gpiral 0) Srrrlat Arr. Cyial One e d fr/tm0y rrjidrad train xark. All 114w -.d Nome Equity Loons I Mortgages I Refinancing I Debt Consolidation -,r ? M ? dww rate POW of 26 dOi M n? Mg.Mn.w AYeYWa, clew 4*1xiaY>dlr ow n.w.Or dwnnnyba. pil'KM 4anof',b Mrowl palbnlNabob, plrkaa 3, Ara" f rrva?bypurppelva The ate p.dNMeacl aewaM IaNral'Mr.Ywfp.M Wl1o0 MM OOd. p10 b. .MealpayMloYl'N.r (Ob.AMrC01.? date. nat .Trrr o lwmat tes and M r mad a..a.. W.II 0YtM'W? o amr2lr-owar dm #0 PlAbld Walk. dint bNrAomrMr310wnM hN -a a. Mwrlm Orl .d navel. Ml y.V.aMlayy.aa.p.awr. M.raM.wl a ka0 .pay M..Op Fbal, Nal a M a.m d You, Isa..wy ululnt appal m.rr M prbftl wl ss.tare.atbyiapap.r.Mrdpb.bddtlnelMWlr . m al hpwdaamatac tbltldpa d*WM.MMb nra MMmgl ir M apparOY Urliftel.wAMW. alwI adr Trl Ta.lilYwawlYMbatYaf?warLkMAarbdlM wlr nwr/n amMnn/p d-W .mralY?x1yadr.OanM Mega, ambix an am .NAnMMlaldpi Fl CIIAttOEdala0.46 bow.. ?. A.. -wed a to%0w t d. TYnpnMy Roma" b Mean.. extra .T..-In. f....~aft Yna of d/.r M..esr rryr MOwb.tllrls. W.rly lb.n r...n.Mdrpraxdwa aIIW pan pdrMMMaOnryMWa i. , Clear ate. 11mitaina slaw National --bd.rkax"lab ? "-I-- b. rrIm sus ft. w.drd b yw ayou .acoum.shwahnil0 b pay MlrrmbMk e.aM nwd ,M w IOU, vain log Wm al M-dana a aanbr fat in 6001 tdr M M rllla l.r ea des.. YrL rev tan r.or..l r data plc nnour.-U-No. d padaaa.l W- 1--hr bd0n.x u.Yx.ra.YYra O.WnMre. Vw aerr..podaaa.. ...nand Mrnxxtemaxdw, tOoar xr Mprybrsnrl,.rr xsn.erA a.N+xaauxa WaY.1N ?. ua.a se.r...axa i OOaa ndM* M bu.ina.a MnswA Wd a ftaadc r.ayau aaWba blAMa.drM I OIMO.rt.xl.ar.., M M .W OUr cow ON pnM./' mWxdlrx MWaacdaAatambinM Taw Ob•bdrMyr.ydaNSr -olocaplWona rat saw Ch bar - Fband.l CanorMM. N rllnr .0 20M C.WW On, r dafyMtsw..rrfr.nd r. nxadnaaaew.byob nl.WM bd OAK a YOU xmbr ddw My.nMAwllrx flr nx[yl.nllydwga.Mpawbl M yesx Maax..M at yarw MrxaArfw aldlply ra.np.beMMOwa.arMMa p1 Nolgnalr aril b us will be credited to your a/wuxt as of tin business da ws roMiw it. (1) you awed the, 6e6ow poruan of die a?ameat wedYOUr ekeek in tlr eoelued resaraM ?rdeae rd (2)yyour payasmt Meeiwd w our cantor by 3 p.m. 82' (12 noon 1"f). Flaea W Wl? bat Iaa Iiw (SI falra.M ten Pot parW del{wry L: a real by us N any loeadatl onion My aidwr 4ssot be aedird w of dw day we recall Dim Our bwiru days ate Mol tkwugh Saaaday. eW ding holidays. please do not use staples, paper dips, er. whom preparing your payment. crd.rtlby 7. It.lnl YVAsana l Valor aped r.Mnxe Mama a axdin muWllMa otsr.afenwm rly bdaaW lsnaI b.laaelan. 'A b. aaNM Alan e..b.ar era O."ma"Wen. ion ad" Taws xaY prodia dank M ppA.ra, yea near.. - "WmaMllibxrlMan flrnyea date btnda•orMl. dameabbnd YM.I.rMam your Mbanal arb praxes. MW "Md 0N0 innai n. "M w.M Ybma.atltam yak ~ la mdl. M d.Masc Wal .IYOAI.C a v.Mb' Ill nby b. wmOral bam par bank aaaana nMMaoa ..rlMMamadaywmI , Wurparnrd,.W roxdl ft notwaM yaadlaoc back eon your*wWd MUplal M A-*Ua M 04L100 Al iK&WAIIY IJ.wa.l, Pea M C.b of Eater. r(kin ola,A dlbraa) dM4...a ayM wa paW Y wary, a fyW madam bdnalM doaM.l by .V-sennaW.'Am b wan. ow so ate MAIMIM d,rnwa poaarMMMO.r lorbalal.a dlMxtMlrMdN. d.l.gaY Yx...nl b.r cam yea n.rl.rala. p d.y. aYrra KML nB ask Act ..a yMMaldWMwrn M.n.rrpatlr.aM.rM. Y. lwmbMMr.af I 802!442 alano. l ba.aaa loft Inw dw..obah wesMd. 200154 CapltalQ,W I auto finance JESSICA D MILLER your preferred status can take the hassle out of financing your next car. Dar JESSICA D MILLER Competitive Rates Great news! As a valued Capital One eudhokier, we are giving you the opportunity to apply for auto fusattciug with wmpetidve rata through No Dealer Capital One Auto Finance. Credit Applications If yourc thinking about purchasing a new or pre-owned vehicle, nova's a great time to start. Upon approval, you II receive the following benefits of our preferred auto financing package. • Grater control - you'll know your financing terms from the start • Valuable time savings - there are no financing hassles at die dealership • Increased confidence - you an focus on getting a great dal on your car purchase Plus, your preferred status allows you the luxury of knowing your financing terms before you start shopping. The prestige of your preferred status means that dealer credit applieat4i w and lutod" over financing arc a thing of the past But that's not all. Responding to this exclusive invitation cakes just minutes and you can do it from the comfort of your home. Visit us online at wwwapitaloneareom or all us at 1-800-304-4854 during business hours". But hurry, because this offer won't last long! /Sincerely, Perry Freeman Director of Accounts, Capital One Auto Finance P.S. Apply for auto financing with competitive carp. Visit www.capitalonecer.com or call 1.00- M4954 to apply today! :oo, s4 (Reservation Number: 01140oeo63-M?5 haw this number available when you contact us. Visit us online at www.capitalonecarcom or call 1.#oo-3o4.4,s4 'Monday-Friday, 8:00 am.-11:00 p.m. and Saturday. 8:30 a.m.-7:00 p.m. (eastem time) Catplfa one I auto finance 8027 fatal act. 1 1 11 070411 .aa a r 2 csaraass IMPORTANT DISCLOSURE& About the offers Offer valid for 120 days from mailing date. Certain conditions may apply. This offer is nontransferable and is not valid in AK, Hl, NV, ND, OR, W. nor any U.S.-dependent territories. Program restrictions apply. About you (the opplicant)r To be eligible for this offer, you must be in good standing (not over limit or past due) on any other ousting Capital One account. You must be or least 18 yews of age. To process your application, your credit history will be raiewed by Capital One Aum finance cord must pass scoring requirements. Your credit bureau report mutt show any bankruptcies as dis- charged. Gross monthly income must be a minimum of f 1,500 for this offer. You must have a valid stress address within the United Stores at the time of contract. APO, FPO and CO. Box addresses are not eligible for this offer. About your fiswsdngr The amount of your financing will be based on credit and application criteria. Payment may not exceed 12%-18% of gross monthly income, depending on credit. Total amount financed must be at least f 10,000 unless otherwise sated in approval padtage. Iaan-to-value restrictions apply. About the vehhda This offer is valid for all vehicles within the last 7 model years, excluding Daewoo, Oldsmobile, discontinued vehicle lines and selected Kia and Suzuki models. This offer is not valid feu manrcycles, mobile homes, RVs, commercial or 54 raged vehicles and boats. TemJMikage restrictions apply -see approval package for details. Vehicle must be owned and maintained in the United Sates. Vehicle must be purchased from a franchised dakahip associated with a major automobile manufacturer. This offer is not valid for person-to-person auto financing. 02007 Capital One Services, Inc. Capitol One and Capital One Auto fmanee an federally teghtered tradanarks. AB tights oaaved. 8027442 in a law FMW 7.58% APR* today with a None Equity Loan from Capital One' lop • to•so9dsto donut, make home Improvements, a Loa 1q® APR starting at 7.58%* pay car loans-you choose a Sp dealing cost options "Wills • One row Ian in to days or less Call your Personal Boma Loan Consultai today! 1.800-711110-2493 Mon-Fri a tin: p.m. and Sat 1o a. e t p.m. Est or apply attune at t tswacao pitalonehomelans.com Adradralaamd ruekA-inaofOSf21107coati a ssa?R?rr??a coax ?eie¢aedc Arv f8000D Imn+mauu 80%o?red loon t.E18UF.R 1°mrd'a°r ooerggr. Morddy peytrtmr for dm ample 6 86411 Addiui. Sw xn7e for "dew" k"rout irdwaaim Preferred Customer Number: 5077 031 019 9362 Capital One Is an Equal Housing Lender. Home Loins FINANCE Previous Balrwe Payments a•. Credits CHARGE Transactions New Belem Minimum Paymem Due Doe C51,493.28 - $44.00 1 $23.52 + 514.58 51,487.38 144.00 Aug. 08, 2007 Jun. 12, 2007- Jul. 11, 2007 Page 1 of 1 F i nose iav u uatr nag asalxr I Your Account Information TOTAL AVAILABLE CCRRE?DIT 51912.0 CREDIT CREDIT FOR CASH $1}51020.820 rAI1- Charier (Pkaa scc reverse fforr b{wrapplied to P r A!R p 11,494.41 0.052475W 19.15% 123.32 $0.00 0.03345SW 20.24% 10.00 NUAL PERCENTAGE RATE applied ads period: 19.15 ® At Your service 1.800.903-3637 To all Customer Relative or to report a lost or swkn card Pavaats. Credits At Adluoeru 1 05.11.11. CAPRAL ONE ONLINE ACH PAYMENT 144.00- Tnnsaetions 2 11 JUL PAYMENT PROTECMN 1.81111-327-6904 114.58 Capsal One Home loans offers; a vandy of no haste kome lour products, inclydins dun mostppn, nflnance and dept consolidation bans, u well as honk equity low and lines of en lit. Our tam of eaporkno d profaaiouds wrdentrrds tlut your sibation is unique so year ban solution Todd be loo. Yoten Mve the on-on-one *Motion of the same personal ban consultant Dom all to close. Visit www.epiulondmnebw.am for more inkrmation. Capital One is a Equal Housing Larder. Seed paymam b: Cpitsl One Bak 0 P.O. Box 70884 11 ChariotK NC 21272-0884 A =i= fa: 0 P.O. Box 30285 0 Salt Lake City, UT 84130.0285 r0af a0a 1 07 11 070711 Made 1 K 1 Wwaass - PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ON LINE CaWw0 4862362673373364 11 1487380064000044002 ??' I wfwYs in your rraBetY Account Number4862-3626-7337-3364 Now Balance Minimum Payment Due Date please print address or phone number changes below using blue or black ink. C51.487.38 544.00 , Aug. 08, 2007 Address PL E MAaUj TLEAST (?ffte Phone AMemafe Phone E-me# address Amount Enclosed P90193040031340008 MZL ID trosoRR JaSSIO>A 0 aaLLRR Csgital Ono Rock se IIt/Q, . IPA :7421811 •? Pa 17241-/759 P.O. box 70894 01724197593541 cib"I.tte, VC 20272-0e91 8027442720W`"70 Please write your account number on your dmck or money order made payable to Capital One Bank and mail with this coupon In the enclosed envelope. Don't forget you can use your home's equity to consolidate debt, make home improvements or have cash on hand for unexpected expenses. Our customers lower their payments an average of $400 per month.' r resew average mwlddy psymer claim Yawl m fine monrhi psymenr on mn•Iwrdu r hero, ealusive of dosing wow, dos dosed brraen 0110112006 and 03/3112007. Acrd Iowa payment may wry. In some cum rdmancLK M pay off edadng debt may rtunl the bum of du debt paw'Wy rondting in highs mmill costs. 10 d* daim okulred front uecipt of osepkud application and st rgoise &oppordng do.Tmycnnsion. i04osing art option egoins minimmn loan ammm of $3000 and 6 no available with as prod.-es. Sampk availability sa of 03/21107: i80,000 20-yr. fiord-rxr homr equity Into at $.01% APR Additional renns and mtrieiuru apply. Rase "vxy by pmlu r sdcaed and ser obeinabk after underwriting and appnwsi of dose ban. Oifa intended 6sr qualified sppbcants only. Tams and for dit or may dungy r any time. New all hen pebcu m temu are awdahle in all scam. A-al loan owns are subja.T to qualifiaeim fur interne, aerRt and property. The scrod dosing time may vary bused upon dw one in which the property 6 located. Thu is me a amuninocne to mole a loan or • mmmite mt w the inure sets, points and fee for a loan. O 1007 Capital 0- Swaim J . Copied ow it wliolnoly wIid-d rears at" AN,*" -sod Rome Equity Loans I Mortgages I Refinancing I Debt Consolidation 1. Nar AValda PtuPas Cares to are Pa" Wu wa hat a Pk"ass ems pabd of 23 Yaw aw•psdsNhdaer byM`yPSSbmbwwby Mrunesrof Nftwft sssL Doan daere 7. 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When preparing yaw pylest. we eoeiveit, Pmvidai (y) You end ON ====- ed m cacaos poaedug M cosy War location or in 8027442 Hare loins Now the best home equity loan has the least hassle J A great rate starting at 7.5694 A PR- J $0 closing cost options available J Personal Home Loan Consultant J Close in 10 days or less 20n2w7 Call toltfree 1.800.760-2493 or visit www.capitalonehomeloans.com Preferred Customer Number: 5077 021 002 7139 Home Loans Capture your home's equity, and get a great rate with a No-Hassle Home Equity Loan from Capital One' Preferred Customer Number: 5077 021 002 7139 JESSICA D MILLER, Because you are a preferred custom cr, we'd like to help you make the most ofyour home's equity by inviting you to apply for a Capital O ne H none Equity Loan with a rate starting at 7.59% APR.* Upon approval, we can customize a loan amount up to S500,000 based on your individual needs. HOME EQUITY LOAN OFFER SUMMARY Loan Amount:: 520,0004500,000 A We Starting At: 7.58% APR* aosbly Costs: I $o options available Hidden Fees:., aosing Time: Tax-Deductible Interest: Personal Loan Rep: NONE 10 days or less YES*' YES A CAPITAL ONE NO-HASSLE HOME EQUITY LOAN PROVIDES: Great Rates: You will get the bat mk yougmliry fm, agning at 7.59% APR Great Value: No hidden fees, and SO closing cost options available. Great Benefits: pay down high-race debt, lower your overall monthly paymentst MW the interest may be tax-deductible. Great Service: Your personal Home IAnn Consulwit will find the right loan for your needs. CALL US TOLL FREE TODAY AT 1.800-760-2493 Adwtimd WAWpamwgerstestdmheaof5l2l/07and a*jst acitegranythne APRsbndm antsdew adkbW y,se)AWkstsstww,M m?tg¢ YPaNrottforgsetatpksS3J0.02.Addkvuitaronadteniasaaspply. CConAnsdI ult you our fax =a adviser 1ePgamgal;mg = tai d 8 daluuon6ar96iligy. ••rer llty. t In some cases. «fiaanring to pay oaeanting debt may tatted the um (.%c debt. Possibly rushing ut higher ovewll emu. Capital One ie an Egaal Herring L-Jrr. See reremr for Wkiooal important information. 200247 Apply Today For Your No-Hassle Home Loan Solution Visit us online at www.capitalonehomeloans.com Call toll free 1400.760-2493 Mon-Fri 8 a.m.-8 p.m. end Sat 10 a.m.-1 p.m. EST Preferred Customer Number. 5077 021 002 7139 8027442 Home Equity Loans I Mortgages I Refinancing I Debt Consolidation 11211, MWI 6034 sea 1 47 11 070712 soon 1 •r 2 01sWoss Q. Is dtere m obUgyltlon when 1 call? A. No. When you atl us, you are under no abYglrlm whatsoerl During your phone carnasation, a Pasimal Home Lem Consultant will sk apty help you drlcmdric die Iron amount and terms that best rule your needs.'itiai Its entirely up to you! Q: 1Nq not lust use my bunk for a home loan? A. Call" One Home Loma bikes the husks out of the Imi process. Not only is de process quick and easy; but ilk pecsansllad You wool bone b dal wdh tats of people You'll have one dedicated ktun oanwNmt who will handle everything harm start to finish. Q: Whet prnpesty types are d Me for a Wild one None Lam? A: %t faller home lams for fte- and muld4urdly homes, Wm houses and condos. At this time, we do not oller home loans for cooperatives, multdKeured homes and modular homes, mobile hones and columen9al properties. Q: Can I burrow more dim my hmmek value? A: We have a product that afkrws qui dified applicants to barrow up to 125% of their hamek value. Q, Now am I use my home quiff tans? A: Use it however you ch00at_ Pay down higher interest rate credit and and loan balances, make home improvements or sun a new business. steep in mind diet no now how you use it, you may be able to deduct the interest w to time jug check with your tax adviser. Q: Does Wall One Nome Lamas require a minimam loan amotaw A. Yes, the miNmum loanamount k =20,000. Q: What If I am self-mtployed or hm missed a payvreat? A. %tetier you hive perfect credit, less-Ilan-perfect aedil or have hard4o•prove income, we will work closely with you to try to find it home kern salWlou dut best meets your neck. Q: What informiion do 1 need to have ready when I ail? A., Please have the following infaoudon subble: • Your Preferred Qngamer Number • The estimmed value of your home • The balance of your first mortgage • The balance of any secondary morWV loans • The amount of ere loan and credit and blllinces you would like to consolidate For your no-obligation consultation, simply caU us toll free 1.800.7602493 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-1 p.m. E.ST. Or visit www.capitalonehomeloans.com Preferred Qstomer Number. 5077 021 002 7139 Apilly Get started online, m call to ma free. If you're tern, canpkte the easy and secure applicnion, and a ?wwnal Nome loan consultant Wit call you back right away) ? Get a quick decision V outl know a you Ye been approved in minutes. ? ftdt loan status 2thwx access lets you tradt your ben status online. And our consullants ate available ova phone or ona0. ? NW-clay deavary An your paperwork is prepared and delward to your door via neat-day air or by email. vWw made it simple by highlighting the arms for your signature. ? Clove In 10 dgrs tax lest ?•M•?tJIiC _ Here your check sent to you or d'vat deposited. fiorwe /.OafIS 10-daycahtnnalculasedfrom reeeiprofcomplesadapplicationand dlsequued auppottingdoertmaetation.$0-tktsina-coropdon requires minimum bur amount ofa50A00edisnor maeleblwvids all products. Satspleavaitsbildpao175f21/07: $80,00020-yr.fixd-ratdnme equiglaaal 8.01% APR Additional taxes and restrictions apply. Loan amounr equal to 125%of honk's value option nor available with lowest rate and requires a minimum loan.moon, f$20,000. 01T., intuded for qualifies applicants only. Tenn, ad ourab ion may change x any Line. Not alts ban product. w eons are available its all u am Actual Ion h m are .ubien to qualifmuion far ineonne, credit and property. The actual closing tunes nay vary based upon the state in which the property u baud. Thu it nor a comaiuwu to nuke a loan or . --iunctu u the iaarest roe, point std fees for a loan. 07007 CV-1 Oar Snden, 1- (4W One i. fiA 0 rrgium/xnine stud, W af," mrrw( 8027442 Home Equity Loans ( Mortgages Refinancing ( Debt Consolidation 7.96% APR * sooms (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Equity Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One* Home Loans takes out the hassle: Customized loan amounts from $20,000 to $500,000 a $0 closing cost options available a Close in 10 days or less No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free 14111104W2607 Or visit www capitalonehomeloans.com Mon.-Ed. am-Opts: sat. loam-Ipn EST Resenatkxt Number. 5067 031 022 7816 Adaadnd armul peros race . dFe?t a of 6nWW and abject to clump at airy timt APR is bard on an aeraax aedit Aiwa} 119),011,11 lom amen. 30% mMbinad • kxa mval a ado ands ex 1I= mumtdlkn mo ages Monthly, patwmefor iia owmple u $667. Addidoml aanw and aeoimes ap* orpiad Onc u an Equal Hou¦m larder. S. cease 6r aA6oensl inq vane erform.rioa - LENDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation IAaamd arts FINANCE Previous Balance Prymanu! Credits CHARGE TmrAwu m New Balance Minimum Payment _Due Date 51,487.38 - 544,00 524.39 + j92.91 51,560.68 58088 Sep. 05 Jul. 12, 2007 - Aug. 11, 2007 Page 1 of 1 nsast AN AT WAS INS AVANT Visa Platim rt Account 4862-3626.7337-3364 Your Account lnfmrAtion TOTAL CREDIT UNE $1,500.00 TOTAL AVAILABLE CREDIT 00 CREDIT LINE FOR CASH $i, 00 AVAILABLE CREDIT FOR CASH O.UO Fiance Chary" (Flew on reverse for lergomnt Info Balatteesec Pateiodie A applied o m PR CHARG Purchare f1,499.60 0.05247N1' 19.15% $24.39 Cash $0.00 0.05$45%P 20.24% . $0.00 ANNUAL PERCENTAGE RATE applied this period: 19.15 At Your service 1.100.903-3637 Payments mite! iamnwts 1 07 AUG CAPITAL ONE ONLINE ACH PAYMENT $44.00- Tnrmr'rm 2 06 AUG PAST DUE FEE $39.00 3 tl AUG PAYMENT PROTECTM 14MS27-6904 $14.91 4' 11 AUG OVERLIMIT FEE AUG 06, 2007 $39.00 You were assemad a Past due fee because your mininam payment was not received by the due data. To avoid Wla fee in tht Poore, we tecomnrd that you allow at kaer 7 bushww days for your minimum payment to reach Capital One. ® To call Cwtomar Relation or to reports lost or Nolan card: Capital Oow Home taw offers a variety of w hmak home town products, meludhq Ent nrowlagm, m6 ance and deM eoraw idstion loans, m well at bow equity lows and lion of credit Our am of atpwkmw professionals seed payments o: trmder"rgrrM der yaw aimed= is unique so your low solution should be toe. You'll have the mm4 motm sta ntiow of ® Capital One Bonk O P.O. Box 70884 0 Charlotte, NC 29272-0MMams puiomW loan comoRM Alan all to else. Visit www.espholm" oar dowascom for Rae infanrtation. Capital Oat is as Eq el Having Lade. e Send uMcs to: Cpial One 0 P.O. Box 301115 C Sall Like City, UT 84130-0215 AM sod l 01 Il 07"11 MAN, 1 ar 7 ow"056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4862362673373366 11 1560680061000060683 Vaal l rMt's tats your wallMy- Account Numbe1ilIM- 828-73373384 New tltalence Minimum Payment Due Date Please print addressor phone number changes below using blue or (Nock Ink. 57,580.68 C380.88 Sep. 05, 2007 Address PL) '&A?UWEAST Home Phone Altercate Phone E-ma address a Amount Enclose/ • 480234040033340030 IOrIL ID MAStaR JMOZCII 0 IaLLZR - 36 PXVXLnO RD Cdr" W q,a yraa,< IMWZZ.La, OA 17241-9759 0.0. ever 70014 _42480 71724197593040 Claalotte, WC 20272-0084 02827200048470 ' 8027442 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of $400 per month! I Lover average monthly payment claim bard an fins maath's p" m on numpunka a Imm, ncluaive of china cow, that closed benvern 04/0111006 and 031311200', Actual lower payment may vary; In some cans, nlinanrina to pay off ninina debt may amnd the am of the deb, ponibly resulting in higher overall cons. i 0-day claim calculated foam mccipr of crnplwod appligtbn and all required aupponina dowmentarl n. f0clrins. option mquina minimum loan amounts f$50,000 and is not available with all produce Sampleavailability as of 6/23IM7: 680,000 20-yt. fined. hone equity loan a 9.46% APR- Mrtldy payman for Chia eaampl, it $692 Additional terms and muriaiona apply. Ollie, intended for qualified applicants only. Tema and condition may dance at any dent. Not a8 loan products a mma am available in all arts. Actual loan derma an aabjett an qualification for income, credit and property The actual do&q Omer may vary bated upon the cam in which the property is loaned. Tina it wt a commitm rot to make a loan or a coenmioner an the inmmot ram points and fats for a town. O 2007 Cyirf OW &,.A let CyiW One 6 A fiknak) re"mod-ior w L All slider marrond Horne Equity Loans I Mortgages I Refinancing I Debt Consolidation 1. Nwrr Arol/.fkwr Ch m . t a. One period. Vow .11 home a ar auyo Nhauk ahsapOlatna, tdwa, Aveefwa? arlwfrruecyyaerwm aoaruw whir YafarNl raw.alnwbwfrwa dW rLLThambweanale arsol"Vo alrarNMo ana y wWasenf youde" T. Ifs. 2. m d seaaraf erddad8 a l .raw wYlraerN ess; dnrraod sow saw NMm ao 40 arWba a f- n Irrtrppeen yauarb l, 7. AmwY ~~r nMirnPMma r •. 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W leM •fa ya rW me-W M aaoar W M d-d. 1 Nallfpsatb yypoY1 mall to r will be ,edited to your account as of tea k admen do wf reuive k ptovdd I you seod the praoN tapIbid. Itflermaa{ fad yoW tdteck Inn dli fnellrrd relllltsree alvdopd sad (2 yrwr payroeml b re" In one oroo?alas Ceata oa in by 3 p.m. ET (12 Noon lm. Plr•e anew a lens 6vs S( ) YwMor days for pogal iNivery. CIE nceimed Z=.-=Y.,. be eredird as of doe day we receive them, Our buaaad days am Moodey Qtolrah snau.-Y. Plase do Aol ur stopim papa cum elec. when pr",ina your paymml. 8027442 200+5• One i auto finance, JESSICA D MILLER your preferred status can take the hassle out of financing your next car. Dar 3ESSICA D MILLER Competitive Rates Groat news! As a valued Capital One' cardholder, we are giving you the opportunity to apply for auto financing with competitive rata through No Dealer Capital One Auto Finance". Credit Applications If you rc thinking about purchasing a new or prc-owned vehicle, now's a great time to start. Upon approval, you ll receive the following benefits of our preferred auto financing package: • Greater control - youll know your financing terms from the start • Valuable time savings - there are no financing hassles at the dealership e Increased confidence - you can focus on getting a great dal on your car purchase Plus, your preferred status allows you the luxury of knowing your financing terms before you start shopping. The prestige of your preferred status mans that dealer credit applications and hassles over financing are a rising of the past But that's not all. Responding to this exclusive invitation takes just minutes and you can do it from the comfort of your home. Visit us online at vrvamcapitalenecatcom or call us at i-t0 xt-nm during business hours'. But hurry, because this offer won't last long! Sincerely, ?,?,,,7 ?- Perry Freeman Director of Accounts, Capital One Auto Finance P.S. Apply for auto financing with competitive rates. Visit wivw.apitalonecar com or call 1-sm3o"54 to apply today! Sn - w ft, Mr an, Did-- r.Uq tbir .. 2W A Reservation Number: oiwm3-oas7o move this number wabble when you tomacl us. Visit us online at www.capitalonecarcom or call 1-&oo.3w,tsr 'Monday-hiday. 8:00 a.m: t 1:00 p.m. and Saturday. 8:30 a.m: 7:00 p.m. (eastern time) Gapba om I auto finance- 8027 L2 ' wee wa 1 01 It 070917 Mice 2 ee 3 owrws9 IMPORTANT DISCLDSURESs About the offer, Offer valid for 120 days from mailing date. Certain conditions may apply. This offer is nontransferable and is not valid in AK, Hl, NV, ND, OR, VT, nor any U.S.-dependent territories. Program restrictions apply. About you (the appliwt)t To be eligible for this offer, you must be in good standing (not over limit or past due) on any other existing Capital One account. You must be at k-ast 18 years of age. To process your application, your credit history will be rviewed by Capital One Auto Finance and must pass scoring requirements. Your credit bureau report must show any bankruptcies as dis- charged. Gross mondtly income must be a minimum of S 1,500 lot this offer. You must have a valid street address within the United States at the time of contras. APO, FPO and P.O. Box addresses are not eligible for this offer About your Bnaedagt The amount of your financing will be based on credit and application criteria. Payment maynot exceed 12%-18% of gross monthly income, depending on credit. Total amount financed must be at least f 10,000 unless otherwise stated in approval packages Loan-to-value restrictions apply. About the vehida This offer is valid for all vehicles within the last 7 model years, excluding Daewoo, Oldsmobile, discontinued vehicle lines and selected Kia and Suzuki models. This offer is not valid for motorcycles, mobile homes, RVs, commercial or &A vaged vehicles and boats. Term/Mileage restrictions apply see approval package for details. Vehicle must be owned and maintained in the United Stares. Vehicle mutt be purchased from a franchised dealership associated with a major automobile manufacturer, This offer is not valid for person-to-person auto financing. 02007 Capital One Services, Inc. Capital One and Capital One Auto Finance are fcderafly registered trademarks. AN rights reserved. 8027442 Oxen Home Loans 2002nd ?I?II?II?I?I??IIIH?IIIIIIIINillllillllklilll PREF MEO CUSIOAIER OFFER. Home Equity Loan CLOSING TIME: 10 Days or Less OWAL SEAL: ACCOW STATUS: PREFERRED CLOSING COSTS: $0 Closing Cost Options Available I TOLL-FREE NUMtEfl: 1-eon-760-2W7 EXAMRE HOME WrY LOAN: $65,395.00' ' V INTEREST RATE: Fixed APR Stardrtp an 8.03%• EXAMPLE MONTHLY PAYMENT: =54621 f DOCUMENTS PREPARED Or. _R wJs^? CAPITAL ONE Dear JESSICA D MILLER, HOME BQUfLY LOAN We're impressed with the responsibility you've shown in managing your fimnces with your current Capital One• account. So much so that you ve been specially selected to apply for a Capital One Home Equity Loan. FIXED APR Upon approval, youll have a FDOED rate starting at 8.03% APR* and an amount customized to meet your needs-4rom 520,000 to $500,000. STARTING AT A fined rate that sticks with you 8.03% Don't lave your interest rate to chance. Get the stability of & fixed APR that won't change. And enjoy payments that wont budge either. Plus, airy interest you pay may be tax-deductible. Just check with CLOSE IN 10 DAYS your tax adviser. This is s great way to: OR LESS • Make home improvements, pay school mltion or cover unexpected expenses • Lower your Overall monddy paymenW* • Consolidate high4merest debt $0 CLOSING COST call }800.1(0.26071. personal service OPTIONS AVAILABLE Your Personal Home Loan Consultant wW work with you to find a solution to meet your needs. We offer a variety of home knit solutions, including home equity lines of credit, refinancing and debt PERSONAL HOME consolidation loans up to 125% of your homes value. LOAN CONSULTANT Sincerely, _l W. J.Wvo? NO HIDDEN FEES Pat W. Johnston, Director, Capital One Home Loans t Upon approval, your loan amount may vary baud on speedo satstsim Illustration of $65.395 for $54811 a month a le, based on a fixed annual rate currently 8A.1sXo. Thesubjec amwtot is a fi.0 -Xhl'pay. for twenty A's' Taking as a home equity ban may 1nC rease the tow amount paid when to your current cantion. > Advertised annual percentage raa is effective as Of 6/25/07 t to change as my time. APR is bared on an esce0eot neda history, $65,395 ban amount, 80% combined loan-to-value ratio and a 20-year fixed ran snood lien mortgage. Monthly payment for this example is $54811. Additional term and restrictions apply. •> to um aMS, n wA*t w py nit abd%&M may wand On wan d Or ddt. p rslik mobbing in Moo overall auto CV W One is a rgml Ilwiml iaWa See my m for addiaaai Yapmma Wo msdan. _ 2002N Apply today for your no-hassle home equity solution. CALL TOLL FREE MON-FRI 9A144PM AND SAT 10" EST: OR VISIT: 1-600.760-2607 www CANTALONEHOMELOANS.aom RESERVATION NUMKIL 5067 011 002 3847 R $027442 Home Equity Loans Mortgages I Refinancing I Debt Consolidation We fast 606 1 07 li 010611 a!0 3 er 3 01am064 Q: b there as akiiptfat tighten 1 Cali? A. No. When you aK A you we under no obligation viblamever. W4 your phone tome adon, a relsood home Low Camita ft will simply help you ddmnine the low amount and terms that bear act your needs. lbs UY entirely up to you! Q: Why not just we my bank for a hoot loan? A. Capital One Home Loans tdses the houses out of the loaf) process. Not only is the process quick and easy, but ills pasorrrY2xd. You won't have to dead with loo of people. You'll have one dedicated lows consultant who will handle everything from sun to ANsh. Q What property types arc ellobie for a Capital One Home Loma? A. We offer home bans for single- and multi-family homes, townhouses and condos. At this stmt, we do not offer home ruse for cooperatives, ma dictured hares and modular bomes, mobile homes and commercial properties. Q: Can I borrow awe that my home's value? k We have a product that allows qua li iest applicants to borrow up to 125% of their homey value. Q. How'aln I use my home equity loan? A: Use it however you choose. Ply down lushes' Interest rue credit card and bin balances, make home itnproventents or slut a new business. Kip In mind that no mover how you use it, you may be able to deduct the interest at tax time. Just check with your ax adviser. Q: Does Capital Ode Nome Loons require a minimum loan amount? A. Yes, the minimum loan amiaant is $20,000. Q: What If I am sW-aaployed or have missed a payment? k Whether you have perfect credit, less-elan-perfect credit or hire hard-to-pnm income, we will work closely with you to cry to And 2 home low solution that best meets your needs. . Q: What Inlio oration do I need to have ready when I call? A: Please have the foliowing Womutlon arallable: • Your Resevaios Number • The esthkated value of your home • The balance of your first morlgage • The balance of any secondary mortgage Iona • The amount of the loan and credit and balances you would Bite to consolidate For your no-obligation consultation, simply call us toll free 1.800.760.2607 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-1 p.m. EST. Or visit www.capitalonehomeloans.com Reservation Number. 5087 011 002 3947 ? Apply mat itartad online, or aN us td free. If you're online, complete the easy and secure ¦ppliution, and a Personal Moore Loan Consultant will ull you pack right mayl ? Get a quick decision Yaull know if you're been approved in mimes. ? Track loan stabus 24-hour areas fns you track your ban status online. And our consultants on available via phone W email. ? Nat-day delivery sal yow poperwock is preygrtd and delivered to your door ris nor-day air or by email. Mk1re made R simple by highlighting tar cress to your signature. 'WAS ? Close In l0_days a lass) heck sent to you or dues deposiud. /fir %F<:, NOMFO 10-0ay claim a cuWed nom rnsscipt of completed ppliuoon rut all nquised supportina doeumenrtion. $0-closing-cost option requires miskroun lien •mounl of $30.000 and is scot anitable with an pmduou. Sample availability as of WSW: $110,000 20.yr. fixed-rats lame equity ban at 9.46% APR. Monthly payment for this eausple is $692.23. Additional rrsro and restrictions apply. luar, annum equal to 125% of l-., value uptiun ,ant anilsblr wid, k- me. Offer intended F. qualified applianu only. Turns wd arsdidoiu uuy elrnpt a any ti-- Nor ale low, Praducu W tsmrs arc Wadable in as sates. Actual loan umu arc subjca m yualiEauiua fur iuscwnc, uedfr and property. The anual dairg don may vary based upon the sou in rrhkeh the pmperty'r lacascd. Thu u tot a ewnmknsent m make a loan W a onnmitsnnn m du inurat rue, points and fen fur a loon. O J00J Cyr'ad Onr 3:.sim, ter. Gird Oweu a/6knrly nyurenvfuvarrr manf. AN nfdn nwrwd 8027442 Home Equity Loans I Mortgages Refinancing Debt Consolidation Lm* in a low FUMD 7.96% AW today with a Home Equity Loan from Capital One' ¦ GnaNiata r.rta make home Improvements, ¦ Lew R1B0 AMR starting at 7.96°x" pay car loans--you choose ¦ CIoN year loan M to rays or less ¦ $in dealing cast options svailYM Call year htstp st Mete Loco CoasWtast foray! 14100-760.2493 M,411 a a.m.-t p.m. and Sat to a.m: f p.m. EST Or apply online atwww,tapkitOaetWtetoaris com e?in • Adwtied amwd pnat+?a?e ne w eiaaia r d07116W ad a on aaamlencaeic iioxy, 1t0A00 lore a ioun& 10%uom6f?aJ loci acad-tint -nW Mciald/PT^ae for due aumpk 6 $667. Addhi 5x reverse for addidamt impormr inibrmadon. Reswwtlo t Number: 5097 031 015 4401 Capital One Is an Equal housing lender. at air ti- APR u toed ram and ?+eYee4 ?/?,.?do a 29-ya 8aa4rar C' .and a,w aaukriael apply r 060 LOditf FINANCE Previous Solstice hymwts A Cro io- CHARGE TNMudam New Balance Minimum hymml Due Data 61,580.61 - 560.88 625.36 . 554.10 - 61.579.41 57948 Oct. 08, 2007 Aug. 12, 2007- Sep. 11, 2007 Page 1 of 1 truly nrr AT AT acs as tan Via Platioem Account 4862-36267337.3364 Your Account lafomrtim TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH 50.00 Finn" ' Ba (PMwe no rorasa 6r inyortaamt' 1 saloncetaw Periodic Conawadin C? applied to rata APR4 Putchna $1,539.30 0.03247WF 19.15% 525.36 Cash SO.00 0.0554"" 2024% $0.00 ANNUAL PERCENTAGE RATE applied title perlod: 19.15 ® At Yaw Saviea 1-800.903.3637 To all CuaWstr Rslat{ovs a w rgwA 1184 a swim and Paver- r redid c Adi 1 OS SEP CAPITAL ONE ONLINE ACH PAYMENT S60.69- Trymcdm 2 II SEP PAYMENT PROTECTION I•BU-527.6904 $15.10 3 11 SEP OV ERLIMIT FEE SEP 11, 2007 $39.00 Capital Om Hone Lows oRate a variety *fee houle ham low produce, including Ong aaatjagn, rehowe and debtcoaaolidatioo leave, m wR a bWM equity loses ad IbM of M& OW taw of eapaiwc ' Psafenwnad and rta ade dud yaw elet atidn is uwgn a year lose elation TIMM be too. You, have Ue we-on-one food" or 8re am penael low eonWent ban all in close. Yitk wvrw.apitaWnedastlaw.ow Re mac Wamudm. Capital One is on Equal Neasins Lads. ® Capita Saie w w: Om Bank C P.O. Boo 70884 i 1 Charioea NC 21272-0iN Send.eq?ra w: Capital Onc ? P.O. Soo 70213 C Solt Lake Cloy, UT NI30.0285 ® Have a question about a charge on your swimimt7 Phase ear w the Bining Rights stationary an the back of your statement or a0a as 1 01 rl 0/971 taa a ae a 010e109a PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4962362673373364 11 1579460060690079463 Capftwo 8' 1 viers in your walla!?' New Balance Mlnknum Payment Due Oste C $1,579.46 S79.46 O 66, 2007 PLjM%E'&AjU EAST Amount Enclosed O capf,Ta1 tyre aoalt 042790 P.O. ass 70884 chaelott., ac 28272-0884 8027"1 2a2720tt4t470 Account Number4M-3626-7337-3364 Please print address or phone number changes below using blue or black ink. Address Home Phone Altemefe Phone !;-maN address ra a9023SO49031340071 ata2L 1D t10MiR jusleR D un-= 30 vzvms4m so tmeVildi. 0a 17243-0730 01724197393840 Please write your account number on your check or money order made payable to Capital One Bank and mall with this coupon In the enclosed envelope. Don't forget you can use your home's equity to consolidate debt, make home improvements or have cash on hand for unexpected expenses. Our customers lower their payments an average of $400 per month.' Iowa averW tttonddy jertenew claim heed on fits attalthls payment al nun-perdaac dam, exclusive of dusing cons, that duwd betwrn 01101/2006 and 0313112007. Acsud kne r paInwn may wry. In tome cases, adlknttcing to pay dFexisting debt may canna the term of the debt. possibly rendrin8 in Wow overall coals. 10-day claim alculamd from rcrcipc of tomplebd application and all requited supporting doanuent don. 11adodttg-cam option requires manimum ban amount of 1130,000 and ism avaMA with all ptadw,ts. Sample availability as *1`07116/07: S80,000 20-yt. (had-ratc hams equity ban at 8.46% APR Monthly paym-nt For thiseasmpk i.11692. Additional amts and restrictions apply. Rat- Ierkl vary by peWw adcad and a. obtainable aftcr undcrwriting and tWmval of dm ban. M, kuettded fur p alified applicants enly T- and c."dood may dtattge at airy curet. Not ell hart products . coatis art available in all amwa Acted loan terms arc mbjm to qualification fits incase, c redid a el ptuptM. The actual dosing times stay wry based upon the sate in which tht pw" is Iusaud. Thu is not a comntitntcnr to make a loan or a c.nmiutlrtn. the inurmt rats. points and fas for a luau. 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I.Y any yaraeee.h ashes a.aew MawMd ppau j•Tapldd NANbdadtCM Ptrclreee PM ePPewa it pis am •etdet n wo ft ww47dP wneg, r-.1M act iyeapnM levprehaa.e Wtawdddand a" v. haw, Need bsold lrM e M mw M mf uprn" Kvowh.hrlpta PwY ap dt.aadyatr .a." your l ean doedb aM- M raRb _ ew dlP mwb h Y- pe_w. *.n eta heave Nle aelyeA Pwdwaar. mo sees pehp car M ded O der 4l wW w. e eW b w wWr whew tweW an lot aenr".( d W i es.pl we earaareee Put M)pbb ftleel ou the or 0 spa edwaawewdbM pepw)rrv1oK Neteebar w onwtla4eeir d mbye.Yar rewwtrb.am•Pteeh.wlPb.eewewMrbdptN 0aearwewd Mm °?P°?• daee.adrde, TOGS car epplybertwwar wmewN.damtaa Ina"Wa.M.d SOde.-0 N9'b swam rwesgp dead eooreo -Kweem ed.a pd.oYacwwr ° .bheeeyour aesee at etMNdsdd __ _ Malenel ?b pw.Id Catear aen•N d*ft Hear" a 2004 CgMa One eons-. Pew d e d ..warn ee d Thu are ? OIna1P044. 1 -OW nail b a will be erodabd lo yaw aa>aml as of the bwip.a derv we my iw it. p.vdd f I) you sad ON ON aRd yowr cheek in tlr esrloed amasaaae. Red Ri Yar Pry esel b M vd m our px:casi s en Maas a0wte u lewd live (S) Mmbe. Jdaewya ror p.W d?o?wvaryt?nywMea cectiwd a u my oW M oftlr dry we receive tlt.a. Our bt.aiaa. days an NAY Mrwglt Saltwday, set MIS Imti J. M clips. tee. When pRWdwa YM Wy.al. . 8027442 Vl?? Horne loans zaozea ?I??rnml IIII???IIII? MEFER ED CUSTOMER OM* Home Equity loan CLOSING TIME: 10 Days or Less OFFICIAL SEAL: ACCOUNT SFATUS: PREFERRED CLOSING COSTS: $0 Closing Cost Options Available 7011-WE ?NPMM 1-WO-780-2493 EXAMM HOME EQUITY LOAN: $65,395.00t INTEREST RATE: Fixed APR SW" at 8.03%' EXAMPLE MONTHLY PAYMENT: :548.21 t DOCUMENTS PREPARED aY. -if wJa C01MAL ONE Dear]ESSICA D WILIER, (HOME EQUM LOAN We're Impressed with the responsibik you've shown In managing your finances with your current Capital One' account. So much so that you've been specially selected to apply for a Capital One Home Equity Ivan. FDtED APR :on approval, you'll have a FIXED rase starting at 8.03% APR" and an amount customized to meet your needy-from $20,000 to $500,000. STARTING AT A fixed rate dust sticks with you 8.03% Don't leave your interest rate to chance. Get the stability of a fixed APR that won't change. And enjoy payments that wool budge either. Plus, any Interest you pay nay be tax-deductible. just check with CLOSE IN 10 DAYS your tax adviser. ibis is a great way to: OR LESS • Make home improvements, pay school tuition or cover unexpected expmw • Lower your overall monthly payments- • Consolidate high-interest debt $0 CLOSING COST GO 1-800.760.2493 for pcnosal service OPTIONS AVAILABLE Your Personal Home Loan consultant will work with you to find a solution to meet your needs. We offer a variety of home loan solutions, Including home equity lines of credit, refinancing and debt PERSONAL HOME consolidation loaas up to 125% of your home's value. LOAN CONSULTANT Sincerely, - If W. i'W00I, NO HIDDEN FEES Pat W. Johnston, Director, Capital One Home Loans r Upon approval, loan amount may vary based on your specific situation. Ilhuuatiou of $65,395 for $54821 a mo a s example is based on a (iced zww pettepuge sera cune 3.03%. I& sppsahlyanmios is a fixed namhly paymem for twenty yew, l'al* out a home equityban may mcseaae the tMansoua ptid when w your current siamtion. s Advenised amid petceaaage rase is effective as of -when subjcet to change at any time. APR is based of an excegent credit history, $65,395 ban amount, 80% Bombined loan-to-value tatio ax! a 20-year fisted rase second-lien mortgage. Momhly payment for this example is $54821. Additional term and restrictions apply. ?•Ian cm.sdtwKftmpryofa6ftdda my toted de item d de 4d3. pw%"rmWar 0-Wow mend a" Gpad One is to E"al aaadaa Icndm sec mtm far rdd&W kWanam Ydmmadw, agorae Apply today for your no-hassle home equity solution. CALL TOLL FREE MON-FRI aAM -a?M AND SAT 10AM-t PM EST: OR ASR: 1-800-780-2493 r11WWW-CWAWNEH0MEWANS.Ebm RESERVATION NUMBEII: 5097 021 002 5209 LLoam 8027442 .0-.s Home Equity Loans ( Mortgages I Refinancing I Debt Consolidation 30-. L 01 12 070911 Sao. 2 0e 2 o1 ft% Q: Why not just use sty hank for a home Iwo? A: Capital one Home Was takes dm hassles out of die lose process. Not only is the process quick and ew but it's personalized. You wool have to deed wish loss of people You'll have one dedicated hour constlkant who will handle evtrythjng from sort to finish. Q; VAmI property "a are eHglbfe for a Capital One Hoax Load A. We offer home loans for single- and muld4unily homes, townhouses And condos. At this time, we do not offer hone buts for wopwilva, mu dMired homes and modular homes, mobile homes and commercial properties. Q: Cam I borrow atone dam my tome's value? A: We have a product that Om godified applicants to borrow up to 125% of their home's value. Q; Does Wild One Hone Lem require a adaimum ban amount? A: Yea, the minimum loan amount is $20,00D. Q: What if I am self-employed or have missed a payment? A Whether you have perfect credit, lea than-perfea credit or have hard-torVoi a income, we will work closely with you to try in find a horse loan solution that hew mats your needs. Q: What lafmrlna lm do I need to have ready when 1 al!? A: Plum lave the foloMM information saihble • Your Reservation Number • The estimated value of your home • The balance of your firs( noortgage • The balance of any secondary mortgage loans • The amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-600-760.2493 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-t p.m. ESC. Or visit www.capitalonehomeloans.com Reservacjoa Number: 5097 021 002 5209 ? Apply oat end "Am, or call us toll feu. If you're online, complete the easy and secure application, and a fknonpl Hoot Loan Consultant will call you bad: 4ht awayl ? fiat a qukk dedslon You'll know If you've been appromd in minutes. ? Trait Ian statics 24-hour Kass lets you track your loan staW s onkne. And oa consultants are evadable uses phom a email. ? NlMtday tlaaeery Ali pun paperwork is prepared and delivered to your door via innday air or by email. wyebe made It simple by higmirhdng the amtas for your dgnaNre. ? close in 10 days a Iml C /?/ 64 your check ant to yw a diner deposited. lo-day claim Calculated sum Me* of, ary6 , sppul adoo and all required supporting doatsnaautiaa. SOebaio{sast ep0ioa ttquita miaiaaan loan amount of $50,000 and is mot avails" with as p calk" somple anii"lity a of 7/16/x7: SSO,ooo 20-yr. find-sae; hone equity, loan at 8.46% APR Moakhly payment for thie exaawde is $692.23. AcklWo sal loam and reswietau apply. - L- amuwlt eyed w 1256 of hone', win option nos awilrbk aid, k-s ... Oiler intended fa qualified applicants only Tema and conditions may dunge At ally woe. Na all loan products w ormu arc available in all axes. Actual knun tom . art vubjeet m yu llifravm fw inunne, on & and property: The aarral dosing don may wry board upon the so¢ in whidt the property is luaad. Thu is not a eenwutment to make a loan or a connmitarnu w the intrust ram points and fns fw a Ian. O 2W7 Cyiraf 0..r-m. A. Upbra! Ora u a f.1.4 na4rewd-- -4, dN earl n -rod 8027442 Home Equity Loans I Mortgages Refinancing Debt Consolidation Q; is there i m obliptolm when 1 call? Q: How can i We sly hone equity Mont A. No. When you al us, you are wrier no oWWoa whatsoever. A: Use k however you choose. Pay down hula interest rue Outing your phone convention, a personal Home Loan credit cud and lom butanes, mike home improve kelis or Conadmawitl simply help you daermine the Ick m mount and on a new business. KW In mind fllal no miner how you use urns the best salt your needs. Then itY entirely up In youl 0, you may be able to deduct die interest at tut dim. Jaw check with your tan adviser. 653% APR* 500085 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One• Home loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. cam toll *" 1-nog-7so-M7 Or visit www.capitalonehomeloans.com Mot'-Fri. sstn-tprn; sat' ream-Iprn Est Reservation Number. 5107 051 012 1827 Advertised anaual rarer dFactlw: a of VI5/2007 andaaw duW a a y time. APR is bandan pod aedk hhmry, $200AW fanaaaanr, sD%oombiw ? • start-sewuitm odu dad a toed-rear finJirn morgo? hLtnpdy7nem far tints mtpk u 51,268. Addiriord ¢nm ad remriouuu apply. araaaw GWuI Oaw is ar Fgtol Houart8le,dv.Sec rewae fa add'rimd k4-u r W..n ;- yPr?rQY/M_ LENDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation Hermes Loans FINANCE Previous Balance Payments tit Credits CHARGE Tram iom New Balance Minkr uo Paymcrn Due Date 51,579.48 - 5100.00 524.04 + 553.88 = 51,557.38 557.38 Nov. 05, 2007 Sep. 12, 2007- Oct. 11, 2007 Page 1 of 1 MW W AT "I Mt MNRarr Visa Platinum Aecoum 462.3626.7337.3364 Your Account Intervention TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT UNE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 Balm" rent Pmiodie "_ in applied to raw R CHARC uoham $1,567.84 OA51107iP 18.65% $24.04 $040 0.054087W 19.74% $0.00 NNUAL PERCENTAGE RATE applied this paid: 18.65 I- ah w= Charlie; O%me am reverse for inpan m lodes ) At Your Sa rice 1.800403.3637 To call CAswnter Relations or to report a last or stolen cud Payments. Credits dk Adiuswnats I 05 OCT CAPITAL ONE ONUNE ACH PAYMENT $100.00. Trw acGans 2 IIOCT PAYMENT PROTWTION1-1118.527.6904 $14.811 3 11 OCf OVERLIM T FEE OCf 11, 2007 $39.00 Capita Oss Home Lases of m a variety of oo hands Isome Iwo products, including fbst mortgages, refinance and debt consolidation keno, es well as bore a play lots cod lines of aWIL Our term of atpeienced prrsNsnionala urdast" dun your situation is unique an your ben solution should be too. YoWB Mve the oav? one anaedon of dw cow personal loam Consultant Rent nab to claw. Visit w x4pitsbuabomelowxonn for more information. Capita One is an Eguel Housing Lender. ® Send payments so: capita One Bank ? P.O. Box 70894 C Charlotte. HC 28272-0894 A Sato' rift W. Capisi Oae 7 P.O. Box 30285 O Salo Lake City, UT 94130-0285 ® Have a question about a cheeses on your sur ement7 Planes R&r so the BlI t Weida Summary on the back of your wtemsot or vi ' $0s4 104 1 07 11 071031 aana t t 1 0110.6013 '- PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4862362673373366 11 1557380100000057388 COtl ' I whit's in your walser New t3alance MMimum Payment Due Data 51,557.38 557.38 Nov. 05, 2007 PLW, AAaIjTLEAST Amount Enclosed Capital osr Bads 74309r 9.0. Mom 70944 w., ICrZlotte, MC 29272-0984 80274428272011849470 Account Number4111162-MG-7337-3384 Please print address or phone number changes below using blue or black Ink. Address 1"298049031340948 swZ7, ZD itaaMOt aa99ZCA D ME- 39 9ZNKLM Im MBMVIrdi, 9A 17241-9730 7172419759394D Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon In the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of $400 per month! t I-, -W nanthly payment daim hand on fim momhk payment an ona-purdaae lame. exclusive of "no comm due fined benayn W/0I120% and 03131/21107. Acted knver pmnmt nay vary. in sane a wfituMing w par off cxiwn6 debt nay eatrad dw emn of d. d btu puubly milting in hiQha.-11 c au. Offer intended fw gdWiIW aWimna wdy. Terms and andieiwu nay change at any tin.. N. all kwt padwu ur temu arc awdabk in all sum. Acwd lour mm are subirct to qualification for income, credit and ptapeny. The actual dwi.a tuna may wry baud upon dw mu in whid, the pupcny u located. Thu u nwr a wnuni-n, w make a ken w a -,irn- w d. interne ate. pain. and fen fiw a kn. O 2007 C.yiwIOar SerA%% lac G/iu/ Om iR a fA*m4 nyurmd reroke work. AU.rp6. n.nyd Home Equity Loans Mortgages Refinancing i Debt Consolidation t. 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A6 ro4a nM.11 o 200 c.dw as M. OW OUR a.dvnr na w. an otomeoae • t • We to YI will be ceYaMd b your.eeOWN N of tk. N andYow eNek indb aaww d retnib..ee tovab wYWwatRantvetS)ryaforays i Bas. day we receive Our NawaMm ay, re clips, cu. wken Preparing YOLW b ? pYMt• ..W- n .r in 8027442 In a law FDmD 6.28% AW today SOWN and DisARM your mortgage Refinance your adjustable rate mortgage with Capital One• Home Loans, and escape the trap of rising payments. ¦ taw 10®Allt startlng at 6.28%* ¦ iYrdoducMis hebwed (check with your tax adviser) ¦ ConsdlWls h1glo4date a Guaranteed H= Nye Contact as before your rate adjusts again. Your Personal Home Loan Consattant will handle everything. 1-800-780-2493 5117061 0 umber. Moo-Fri 8 a.m.-a pm. anti Sat w am-1 p.m. EST Capital One Is an Equal Housing Lender. Or apply online at www.tapitalooehonleleaalli co H •Adwsited-W ps ye as i,e9em,e asdW/101M ad subim to dwW x arty d-APR'slued on pod Oak hit P" 0300,01101 m Amcom 80%.m6isad low~*¦:,m and a 30yor Sod-mm cm~om lire-ire MonllJyprynmsfardm sample hS1.235. Additieelrmns ad aefrrmans apply. Ho#We / r Sa anus for ddsiosal important idanmdon. FINANCE Previous Balorxt Payments a Credits CHARGE Transactions New Balance Minimum Payment Due Date 51,557.38 - 51,250.00 +i 59.58 + 5398.36 = 5713.30 $21.00 Dec. 07, 2007 Oct. 12, 2007- Nov. 12, 2007 Page 1 of i I. MIME ere At 9;9 bas aeuel Via Platinum Account 4862-3626.7337-3364 Yom Acowmt 1010mation TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $786.70 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $788.70 Firurre Chum - (Plume as mvene for important intim atio ) ?o,?asgFINA Balance rms Periodic Court applied b Mme APR CHAR Purchases $584.81 0.051105W 18.65% $9.561 Cash $0,00 0A5408W 19.74% $0.00 ANNUAL PERCENTAGE RATE applied this period: 18.65 ® At Your Serviee l-SW-903-3637 To an Cusoma Relodum w w repet a Nun or sioko cad: Psm7ems.Credits A Adhobo nts 1 16 OCT ELECTRONIC PAYMENT 51,230.00. Teo seetfoa 2 27 OCT PA DRIVERtMICLE SERV $00-9324600 PA $36.00 3 24 OCr WAL-MART 82374 CARLIS12 PA $49.58 4 03 NOV CINGULAR•3528668000140800.331.OW TN $128.74 3 04 NOV SHEETZ 00002634 CARLISLE PA S31.01 6 10 NOV L.OWF.S 801710' CARLISLE PA $59.98 7 11 NOV WAL-MART 82374 CARLISLE PA $77.06 8 12 NOV PAYMENT PROTECTION 1-888327.6904 56.99 C* W One Home Lassa oRen a variety of so beak harm lam products, including ago anrtpgp, misance and dsM consolidation loans, r well u home equity loam and time of CM&L our tam orexpairad prorasimub uedamade that year situation is unique so your lama solution should be loo. YouT have the one-as-one attention of the mast passel Ina consultant sent can to class. Visit www.eapkdondmmelooa.oom for more information. ® t}piW one is an Equal H- Leader Sand 10: Capita Qa Bak C P.O. Box 70884 O Ckarbtte, NC 2827241M A Scud Inquiries b: Capita One 0 P.O. Box 30285 C Sak Lake City. LIT 94130.0285 ® Have a question abase a charge on your mkemmn Please refer to the Eli ing Rights Summary on the back of yore statement or 60$6 see 1 07 11 071172 anaa 1 err 2 alse0sa PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 1w.w.a 0 4962362673373364 11 0713301250000021002 ?+,..a?, ?. o W I what's in year was tY New Balance Minlmurn Payment Due Date C5713.30 521.00 Dec. 07, 2007 PL) PQA UAT LEAST Amount Enclosed NT Ceyital Owe Seek P.O. Sox 70094 043410 Charlotte, WC 29272-0004 802744 7u Account Numbord882,'1828-7337-3364 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-Ml address go 89031704003134007i MIT, 10 MwOwE nss3G1 D lazmm 39 ftMU. U sun NXWI&=, PA 17241-0709 11172419,7593340 Please write your account number on your check or money order mate payable to Capital One Bank and mail with this coupon In the enclosed envelope. Don't forget you can use your home's equity to male home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $400 per month.' ' Iunaer avnge nw ddy pannam daises bred an flat o sunlis payri ent on non-purchase louts. adutive of lowg taw. tau dosed bawean 09101 /2006 and 0+/31/2007. Mud kwves pernent any vary . In sore ones, tefowtong to pay off existing debt may eaend the tern of the ", Possibly rasping in highs ovcn0 cases. Rase locks vary by product selected and are abuin" afar unclawntatg ad app-,A of the 6- Offer intended for qualified applinno only. Not all kon products ar sera = avail" in all states. The actual daing times may vary hand upon the sae in which the pmpasy is looted. laro whjat to credit approval. This does not represent an oQes m enter inm a ban "mu. Haw and terms subject to change widmut notice. O 2007 (isles/ Ow Snwa, I . Ggiod Oar u n fn"y rgiwnJrmi.r nnrrk. AY rigks maid Home Equity Loans I Mortgages I Refinancing I Debt Consolidation 1.1 to duadW.TbeeY mp?opMMmnradorca N•A W dp?ea Faataa In MOataw Y,=P..d b. dtlr an any searYnspumal oeyro WAI New lose b.kww at?O s. A-W.1 panrrea Ghseaa We s eWan atdar w not nm .vyat baar?.pMOdwrrroi bwa. drael) sets, 6-0-dftgft6WANIWnW21WMIMddogo Isle Mas?esonIs PMMW 19MeA??aad W31 Aes IN FM Ma atwwrayawaawaar?d.dwwwnwyayau as cif not p.yh'M?w e.Yaa•FwhpnwtonrFaFa yml pemd F Ad. boner am" enMaa 1. sevue b your Apes, netpaf aWrri MuyW WYrYpar FFe. ino n sh as b d msr. .v (in PerM ft to.aarsobw ao at Your yaur F adl araow Mw?p)w?aar da e. a .w. t patYr.trRtap.rsxawaog"mM? "~a h m.W h ar/rFrale.adMMOAOmac FMY sec.alFlYanKmn.?CAnga W?ritiatq padtl eta sear sees ni robed aataAYrgsasai. e .rd t"W b.bos IHNIOSC71a10god. A Assume t6 Tw'Fae W Is Mennen Fa Wes - o dewa mane O anyaWllrp amsr tr nq'9M" aswe ave " M" Wind. MOM. pl - Ptioa 7. f a®rrm t aeawaNer.rrlapwar I. A.a.r bdMa i.em Yratas? e.llodtrlrbroMlrad atMt a we e.W ore Yes M hd1M a ardor. h.bmnr. se¦b. emssa yu me •avar.srara es, M prgrya.onrea W purriww w serW reardler a oxbwlrraswapaehor.)Plseurwearbaan W 7 oe.. ar.ppyYa?mnr. aw.a.a erd.emrar i Da?a Mla•et'YYdrs}an4wr aNataures Crpaa One xuyprY W k. -W pdv.q prnWallrt boa aw cesssi a paa.P2. CwIYt Oroa-0W. N h rOft eo -W. a 0 w 7000 CM+pGseaaa 0M FMnnela Corpae•anhae otaw?a?•r-ovta to us will be aedh.d to Your?ao= u PWW adkrreed?y 7. Using YONAW .d. Vest surd a.a.ad senoa be .w ebro.dnt w. tone•almntM any 4.oleaadsnr Yalo?Wae. i ==M" a NSA. Amass Nonsense 000 C.awr.w. NmnaeuPrY••avid es v d, V.sular"w s0. ern, le nr FdarWr Fw yw am Is sera. apn aa.NS And Nunes, live eWe -ar b pears ',. •OOa h pnena r a d.Wk.araaiea Haw we un Or LIM).C =,wt enaono aoeFroeaMwaerie Act rrtayra Wbe?be WnoMt aot daaeanh Fad )IL ? y - se h 0. your P.P. W M - se r ••aedry be yw M 1 I IN N lega aver A•adw ak 6" rrra.ely. y.r?Feeaar F.o yew FWWW w.q. FpYaw stuHO RIGHTS aIaiMN" na.Ixurna,sw fF COr M 6rere aOU?rw rare ben, ae) tramlgl?.b Syr dint vou,W Is-W. a d yu nod aw FdoaaNn on adraa?wdM •.rnWraas, ndrrsewoxepaw en.areiiwr sunw-K poeYa a ne a0drwe MFmen. d- w h F.es al Ise et?4rtaa We.arh w Fw you a user twn so One oAn br na0%.0 .ent yr h am W.n uMW Mani dninm wNrM. Wu war am w s.seranr d lase am~ gwan'L b. Poo rMrarra ?wvl?•a vdsout ?'!. center Lorin 8027442 Problem: 2003'° Adjustable Rate Mortgages (ABMs) will reset their rates in the coming years, causing higher, sometimes unaffordable, payments. Solution: Lock into a guaranteed fixed-rate Capital One Home Loan. Stabilize your mortgage with a FIXED rats starting at 6.42% APR.* To find out more, call toll fns today: I.800.760.2493 Reservation number. 5117 031 001 6395 Ca~Qne Home?sso(Loans A CAPITAL ONE FIXED RATE HOME LOAN APR STARTING AT 6.42% ONE FIXED MONTHLY PAYMENT PERSONAL HOME LOAN CONSULTANT CALL TODAY TOLL FREE: 1400-7600.2493 Dear JESSICA.D MILLER, As a valued Capital OneOcuslomer, we'd like to help you gain the security of a fixed-rate mortgage. You're eligible to apply to refinance with a low, FIXED APR starting at 6.42% ' Upon approval, you11 have peace of mind with a fixed monthly payment that wig stay the same for the life of your ban. • Fixed APRs starting at 6.42% • Customized loan amounts from $20,000 to $500,000 • One fixed monthly payment • Lower your payments an average of over $400 every month" Applying Is quick and easy. Just cell us toll-tree at 14IM760,2493, and a Personal Home Loan Consultant will help you explore your options. Or get started online at www.capitalonehomeloans.com. Sincerely, kWJ Pat W. Johnston, Director Capital One Home Loans Problem Solution Adjustable Rate Mortgage Capital One Fixed Rate Home Loan monthly payment A fixed rate means your monthly payments stay Your monthly the same for the INe of your loan. kdtW ARM AM payment could of 5.00% If ft t* goes to go as high as: 1,0AMI. $787 $1 5674 $,,087 ¦ EXAMPLE': eased on a ft25.5o0 EXAMPLE^. aamd on a 5125.50030-year ARM Mort~ Loan 2003" ????s?table g?k based on a $125,940 3.yW ad' mortgage with a tool term of 10 jpus. For the t 3 fixed 5.009fr APR for a f12 ban amount, resdtma iaoathly payments of $674.00. Assuming a rase tocseale co 10.0091 ooed AI'R r year ban amount results in equal monthly yments ?o7r $1 .00. Exuaf isfor illusttrative (ur seesy?oasrday Capital one Fcoed Rue Mode Imaaaynvasy for a 0o lon. In bee amouo?ard on a 6.427fq ? is a fliod moathlvtottl unoumf ?psid wbrn = to y c?urte?m L A xiox srctrataa Inn some asa. ret w off eacm? mry the , • Advertised annual perreoca(e rare s effPccci ve u oflien 9/10/07 and?suba to chaslge at any time. APR is based on a good reedit history; (125,500 lot ban-to-value ratio a? a 30 y7 ar faxed ate fitst- mortgage. payment for this example is $787. Additional terms and msaletionl apply. -lacer naa0e truily ptplaa chive Wiwi as 4a wa,iae Meat n „nspKLre fur, aad,aFe d dnga8 a¦t. tLi dad Yelvtea og01/20e6 as Aa/SI/2007. Anal weer ryeea anyway. In amt cues, mdosa ft W psy a8 eriW{ &W auy oair tW Ian d die dtb6 pasnlr reuddoa in w86er anxdl was. Ctplhl one u r Evil sweats Lo. der. see mare for ad&OoW lwponrl whnnsom. Call today toll fns: I-800460.2493. or visit: capitelonehomeloans.com Mon-Fri flam-6pm and Sat 10am-1 pm EST Reservation number. 5117 031 001 6395 8027442 Home Equity Loans I Mortgages I Refinancing I Debt Consolidation L 0034 60t 1 07 It 071112 ear 3 or 2 QLDWG t l tertm?a? n amount, B09 ate g $119,656 is meat is $787 Q: Is Wcre an obUlpilm when 1 call? A. No. When you cdl us, you the under no obligation washer. Q 1 conatdy lave n ARM (adlustbile rile wortgage). Why would 1 nag to refinance to a fixed rare? A. The best reason for refinancing to a fixed rue is security If you have a variable-rue loan such as an ARM, your rue and mooodddy payment can go up at any tune. The security of having a fixed rate that stays the same is priceless. Q: What property "a acs eligible for a Capkal One Horne Leon? A. We offer home bans for single- and muhl-farrdly homes, townhouses and condos. At this time, we do not offer home loam for coopmaltm, mnmdastured and modular homes, mobile homes sad commercial pmpeldes. Q: Must types of flaaadng does Capital One Home Loans offer? A: Capital One Home loans offers a variety of no-lassle home loan products, including gust tmortgages, refinance and debt consolidation bans, as well as home equity box ud Wes of cte:diL Our tem of ape ieaad professionals undtratands your slautdon is unique, so your loan solution should be too. Q: Does Capital One Nome Loans require a miakaum Iwo arnound k Yes, the mi durum loin mount is $20,000. Q- Why am lust an cry bank for a home laaa? A: Capital One Wms the bodes out of the lending process. 16 06, easy mad h's pecso Wks d. You,u have one•oo-one attention from the same Personal Hance Loma Consultant start to finish. A direct line and email to your low Coruuluni helps you monitor the progress of your lean and address airy questions you may have along the way. Q: Can 1 gas a loan with a fixed momthly paymem? A: Yes. Capital One Home Loans offers loan options that pnwtde a guaranteed fixed monthly payment and we that will not change for the life of the loan. Q: What if I am sat employed or have missed a payment? A. Capital One offers it fail range of products. Whether you have perfect credit, h sc-than-perfect credit or have hard-to-prow incorm, we will work closely with you to try to find a home loan solution that best meeLs your reeds. Q: What Information do I need to have ready when 1 all? A. Please have the following irdon"M available: • Your Reservation Number • 11te estimated value of your horse • The balsam of your first mortgage • fie balance of any secondary mortgage bares • The amount of the ban and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-900.760.7493 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-t p.m. EST. Or visit wwwcapitalonehomcloans.com Itcocn,i im Number: 3117 071 001 6395 n_ 0 ?Apply Hoome f paraf Get started by calling us toll free, or visiting us online. It's fast. © ? Get a quick decision It's easy. You'll know if you've been approved in minutes. . Here's how AllNext-day delivery you PaPer paperwork is prepared and delivered to your door via next-day air or by email. We've made it simple by highlighting the areas for your signature. it works :.. ? Have your check sent to you direct deposited. Rue locks my by pod,rx sekaod and are obotuubk afro undcroritutg and awwwal of the 1- Off. intewdcd fan gmGfied yylio tidy. Not .o ban podum or terms an available in all awn. The acted dosing dntat nw y nou bated `M'°n the wrc u, poperty is located. taatta subjou to credit app-1. 77th don not rc p,-., an olfr m toter in. a loan iofi. the . apeenu„t. Raar >,d ) N terms tubjrn to clw,ge without twtice. O 207 G?.d 0- S- J6, CW.d Own u .µt.Uy ni,,.td,e..r at 4 a/f rd6. --d 8027 6..28% APR` 500085 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One Home Loans takes out the hassle: Customized loan amounts from $20,000 to $500,000 Guaranteed FIXED payments No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Can toll free 1-e0 TW-2507 Or visitwww.capitalonehomeloans.com Mon.-M. gam-apm'sat. loam-lpm EST Reservation Number: 5127 061010 5320 • Advavad amnal rste b elTective a of IWI N2007 snd ai6jat o days u any time. APR is lad onpsod ad's liwnry, 3200.000 laa amount. 30% comb-ad lornovalte redo and a 8rrrd.eane fat?im e?aga?. Monddy payarmr for dnb aampk is 31,239: Adimtd temr ad ttarit>;otu+PPlis .^R J?Q' nsarea Cagnl On u m Egrd Fbuuna Lenda.5a roaae f« ddiuad imPatim itdomaioi4 Nona Lepmr LFNDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation FINANCE Pmvious Balace Payments d: Credits CHARGE [_$!V13_30 - 5713.30 58.09 Nov. 13, 2007- Dec. 11, 2007 Page 1 of 1 Tnnoctiont New Balance Minimum Payment Due Due ?+ 5583.83 5571.92 517.00 Jan. 05, 2008 wt[ nu err ups, nvs aWtn, Via Platinum Account 4862-3626-7337.3364 Your Account Infatuation TOTAL CREDIT LINE $1500.00 TOTAL AVAILABLE CREDIT '928.08 CREDIT UNE FOR CASH $ 500.00 AVAILABLE CREDIT FOR CASH WS. 08 Finance Chugs (Plow am reverse for ingortant inromr' Bohm"Man wrla?c Correaoorki M nk APPRR C3IARG M nd to Purchaser $N5.98 O.OSIIOSW 18.63% $6.09 Cah $0.00 OA5108V 19.74% $0.00 ANNUAL PERCENTAGE RATE applied thla period: 1$.63 ® At Yon Service I-$00-903.3637 To all Customer Relations or to report a bat or poke and Parmmre Cm%a Adiusnneras 1 03 DEC PAYMENT $713.30- Tn mAgd m 2 13 NOV SAVIORS MARKET NEWVILLE PA $41.00 3 14 NOV KENNEDY APPRAISALS 7179320545 PA $3$0.00 4 1$NOV EMBARQONLINE PAYMENT CARLISLE PA $95.72 3 19 NOV KNISELYS PET d: FARM CFNTE CARLISLE PA $71.31 6 I I DBC PAYMENT PROTECnON 1.54$•527-6904 $5.60 capita One Hama l enas offers a veriery of 11o hmk home Iona products, including Ran a onpgs, of Race and deb wnaolWation low, a well a bona; equity loan and lines orereilk Our tam ore;palerad profanic nla understands Oat yaw situation Is unique 50 your kno sohakn shouW be too. Youll brave Out efts-oa-one notation of the Maine personal 10111 9orwllatt Real 010 b 0050. Visit www.espioknrdranebuu.wm for more inlbnntion. Capita One is an Equal Housing Leader. ® Sad paynacnax o: Capital One Bak 0 P.O. Box 70$$1 0 Charlotte. NC 28272-0154 A Sad to: CgQ P.O. Box 30283 C Sah Lake City, lIl' 14I30-0283 ® Hove a question about a change on your statement? Plate mler to die Billing Rigkts Summary on the back of your auueaem or a feat 506 1 07 Is 071711. M 1 K a elonefa PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 1962362613373366 11 0571920713300017001 cwanlow I vAw,.in your wafetr Account Numt3M1882-3828-73373384 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. 1571,92 5p1g7? E 00 pC Jan. 05, 2008 Address THIS AMaJPEAST Home Phone Alternate Phone E-MI Noldross a Amount Enclosed $90]{60{00]13{00{1 IpIL ID 11001tR Ja99ICR D aQLLQ 30 tipoL= IID capital a" eaok GI0037 UMNIIJA, 9A 17241-9739 P.O. ana, 70984 0172419759354? Ck_lotb, PC 29272-0994 8027441"' Please write your account number on your check or money order made payable to Capital One Bank and man with this coupon In the enclosed enve". 1 Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of $371 per month? 1 Ln-r average monthly payment claim hesed on fins months payment on non-putdsase bans, exdudve d do>g wsu, the dosed between 01101107 and 09/30107. Actual lower payment may vary. In some cases, rd twwitg m pay ofrmiain6 dcbt may nand the wen of the debt pna'bly resulting in hi6her merall come, Offer betendcd fw qu"ied applicants only. Not A lean produces w terse are amlabie in all nun. The aaaual aiosisg lima may vary bused upon the sate in whkh the property is looted. Loan sables w avcd'w approval. This does tat repscsent an offer to win into a ban almenwat. Rata and terms suNw w dungc without naia. 0 2W GAied Ow&rawa!roc 6ped Ore d ofid"Nymisandrr Ar wok AN.4ar-.4 Home Equity Loans Mortgages Refinancing Debt Consolidation 1. NwaAddd afbraeA Clsrp. mew toOae.. Paate*yYUrrhe-• aelewas Vaeps"026 Mt dgswMad lsarle deq•-paschnr,nw dr -.eeYeata saw aPfdPl tlm.w caw nwvoa- rea ldN ma',b am .PerdartaawM 0060 Yapble tNNba le, P 7. Aeh OW01te oMe,Pad bMaWal ' aml.AWrarPeyrrMd a.sM " vew itw Y so•e an ease, e w' le asa As llmoveddNpLawaY sb reco O•h ilnba e•7e?fdPaesea aa b.rb aany ersralbn Myoubal0ayMlolY law (per a.Y•aa 0. 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Ml dyhN "serft o 20" COW one "Maw dragaa, /.a tlw seal eases nrs aavrsw byesa.o w pmen desamywOaar cara arMeay ft wpm b sw.rm wwl.a gnyw.aeud.M you 0101111016-1-ear r erred u m willbe ctedised n ywr soeou a n of Ihr b usioro des we rsnive R ataa Pletae wd POOw Ns how l llesastuRwdes(2)asteloabwbwswtat-lkye fo p ikae end (I gar paysai r poeoal ddivary. yasaaga rea led d of the day we rceeive than Our buaaai cages are Momdey through seat paper chick ek, when prgsring yew Payment. W 8027442 0 200246 JESSICA D MILLER Dote 12563 36 PIPELINE RD NEWVILLE, PA 17241.9759 U. by February 19, 2008 66-7270 0 4 148 V W Jar to the order of V 0 1 D ? 5 V W VI wan = V OW Richmond, VA ti Cardholder Memo SlgnaWre /12565/0256072701.7502673373364/ 6054 665 1 67 11 071211 e 2 ar 3 O1 ANO Easy. Convenient. No Transaction Fee. You deserve hassle-free financial tools. So to make It as easy as possible for you to access your account, we're pleased to offer you these no-transadm4ee Purchase Checks.' You can use them wherever personal cledks are accepted to: Prepare get cash ..for your home Ca" consolidate bills Don't waft! Your Capftal One' Purchase Checks Bat" tadde home projects should be used by February 19, 2004. Even better, these checks have the same rate you enjoy for purchases made with your card. So use them today. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. • See back of letter for important information about using these checks. JESSICA D MILLER - 12566 39 PIPELINE RD pate 667270/2560 NEWVILLE, PA 17241.9759 40148 Y Use by Febrwry 19, 2606 V W T V FOy to the order-/V 1 D $ ooJMn ovc Richmond, VA Cardholder Memo Signature /1256610256072701.7502673373364/ 200246 12567 JESSICA D MILLER Dote 68.727012560 38 PIPELINE RD 40148 x NEWVIII.E. PA 17241-9759 Un by Febrwry 19, 2009 V w T v Poyro the order ofy 1 D w s'? Vl Q T --.--- Oolfars a om- a Richmond, VA Cardholder mom 5111"U" 8027442 /12567/*256072701*7502673373364/ Purchase Cbedtf: (i) VAH be treated as purchases according to the terms and amendments of your Customer Agreement. (z) May not qualify for reward programs. (3) Are subject to your credk aNNability an the day Capkal One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (q) May not be processed or may be processed at a higher default rate If your account is not current (i.e. restricted, past due or In collections) at the time a check is processed. (5) VAU be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used as a payment on any Capital One account. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (a) Qualify as using your account. (9) Cannot be cashed at a Capital One branch unless you have a deposit accotint with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. ag m= m? m A ?e ?i w$ y? C M !j All other terms and conditions for your account remain in full force and effect In z 0 0 a T M A 2W? Cap$N One Service aw. Caput Om 6 a redefaNr,eghtoed mr a ff 1. AN igW rewe d. m a i' 0 0 A i m' n n a8 M ao 0a r !! C y i O 0 a UP s 9 A +i C m m 0 °o ?S m rO? n e X a$ 9 O ?s 0 a i$ ? M 11»I [ 2 O O 9 FA in Y 9 m 8027442 200987 CapffMpw Home Loans- Works to your Best Interest Looking to refinance your current home loan? Capital One Home Loans offers a locked FIXED rate that's in your best interest. Apply Today For Your No-Hassle Home Loan Solution A FIXED-rate home loan from Capital One is the solution to high-rate debt. Loan Amounts: $20,000-$500,000 A Fixed Rate Starting At:. 6.21% APR- Fixed Monthly Payment: YES Hidden Fees: NONE Tax-Deductible Interest: YES (consult your tax o"ser) Personal Home Loan Consultant: YES A FIXED Rate JESSICA D MILLER, Home Loan from Because you are a valued customer, we want to help you refinance with a no-hassle Capital One: Capital One" Home Loan. Upon approval, you'll have a locked-in FIXED rate. > No-hassle It's also a great way to consolidate your debt and reduce your interest payments. application process Our customers lower their payments an average of $371 a month? > A FIXED monthly It's your equity, and it's your choice of how you want to use it. payment Get a great FIXED rate with a loan amount from $20,000 to $500,000, customized to > Tax-deductible meet your needs. Capital One makes getting a home loan easy. Your Personal Home interest (consult your Loan Consultant will explain all of your options and take you through every step. 5o tax adviser) call us hit that today at 11-11100-7W2 4107 Aar your no-obliptioe consultation. > Personal Home Loan Advnnsed annual pereenure rate is effective u of 10/11/07 ad abject b chuee al any dime. APRis based m a i Consultant from good cred t history, 5200000 loan amount, 80% coabined bm-p-valw ride and a X-year fixed-nu first-lien nnrtaaae. Monthly payment for Oda example is S 1.235. Additional tame and rwniedom apply. start to finish t lower average monthly payment claim based on first month's payment on non-purchase bans, exclusive of dosing costs, that closed between 04x01/07 and 0*307. Actual lower paynnent may vary. In some cases, refinancing to pay off existing debt may extend the term of the debt, possibly rewiring in higher overall costs. Capital One is an Equal Phasing Lender. See reverse for additional important information. 200387 Call today toll free: 1.900-760.2607 MON-FRI 8AM-EIPM AND SAT t OW-11 PM EST or visit: capitalonehomeloans.com Reservation Number: 5127 031 001 4148 $027442 Home Equity Loans I Mortgages I Refinancing (Debt Consolidation sees sea 1 07 is 071211 seas ] err 1 l Q: 4 there as obligation when 1 all? A. No. When YOU Cd as, you we Undtr no oblig06on WI0dr0erel: Q: I currently have ors ARM (adjustable rue mortgage). Why would I worst to rv9 rlsom to a fixed rate? A. The best reason for relitaatting to a fixed rate is security If you have a vuirble-me loan such as so ARM, your rue sad matahlyr payment sea go up at soy dam The setat ity of Iwlog s fixed sure that stays the sane Is priceless. Q: What property types we e8g(ble for a Capital One Hoare Lana? A. We offer hone bans for single:- and muld-hmily homes, townhouses and condos. Al this time, we do not offer home loans for eoopertahv s, mantdactuted and modular homes, mobile homes sal commercial properties. Q: What types of fiaaucing does Capfid One Home Loans offer? A: C20W One Home foams of ers a rarfety, of no-hassle home loan products, including first mortgages, refinance and debt consolidation leans, as well as home egtdty loafs and Eoes of credit. Our team of expafenced proksslomlt understands your situation is uNgue, so your loan solution should be too. Q: Does Capital Om Houle lama require a mfnimwa Inca =M=I? A: Yes, the minimum loan amount is $20,000. Q: Why not Ion use my bask for a home loan? A. Capital one takes the hassles out of die k n&g procea. h's quick easy and k's personalized. You'll have one-on-one suention from de same paw" Horne Inan Consultant slut to tknish. A direct line and eaadl to your Loan Consultant helps you monitor the progress of your loan stud uldrea any gNS110rss you nay lane along the Way Q: Cars I get a loan with a fixed monthly payment? A. Yes Capita One Home Lows offers loan options Ihat provide a guaraxeed fixed monthly payment and rue that will not dwW for the We of the ka n. Q: Whoa if f am self-aaployed or bare mined a payment? A: CAOW One offers a fill range of products. YVltuxher you have perfect cre* less-than-perfect credit or have hud,to-prow income, we will work closely with you to by to find a borne loan solution that best mean your needs. Q: What b6 n sdon do I need to have ready when 1 caH? A: Please have the f01 mfr hdonnatioo vAlibic • Your Resttwdm Number • The esilmaW value of your boric • The balance of your fiat mortipp • The balsoce of any secondary morigage loans • The stuotnt 0( the loan and credit card balances you would Eke to cet?seUdate For your no-obligation consultation, simply call us toll Free I-500.760.2607 Our Personal Home Lomt Consultants are available Mon-Fri 8 am.-8 p.m. and Sat 10 a.m.-1 p.m. EST Or visit wwwcapitalonchomcloans.com RaarMioa Number: S 127 031 001 4148 Here's how simple it is ... 0 f/ Get s?tartrtled by calling us toll free, or visit us online. N you're online, complete the easy and secure application, and a Personal Home Loan Consultant will call you back right awayl © ? Get a quick decision You'll know if you've been approved in minutes. 0 ? Next-day delivery NI your paperwork is prepared and delivered to your door via next-day air or by email. We've made it simple by highlighting the areas for your signature. ? Have your check sent to you or direct deposited. Rau locks vary by pmdw stlcaed and are ubaunabk afur uedc-itl,g and approvil of the loan. ONer intotdod for goiliricd appiicams only Not d1 kern lucs4cu or t -re maabk in all sta cs. The -,W doainR rimes may vary based upon the arau in which the grape- is krattd. [cans subject to credit approval. This does nos repwent w offer to enter into a ban apeerne Raw and arms subject to charge withour ,rorirc. O 1007 C911d Onr S- m. 1. ripi d OM h a f,6 1* nurenu'rmvfr`, m-& Act rgku mu L I--"-'` Moore loins- 8027 6.,03% APR*. °" (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One' Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments . • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call too free 1-00ae0-2493 or visit www.capitalonehomeloans.com Mon.-fri. earn-tpm; W. loam tpm EST Reservation Number: 5018 051 010 5500 Advertised -eA rrc u o fcai s r ar 1 UI VIW and subim m charV n arty dm APR i baud on good c"i Iwcay. S2M.o001wn amount, V%mmbined loonoovaluc Dfio and a f ted rate f ne4ics ma?gc Monthly Payment fur this asmpk is 111.313. AddidnW w me and nmwtinu apply .?? Capiol Orr ban EquJ 11o.rxtg Lawler. Sec rcvasc for addicaml important inf-tia.. %brt' Loans LENDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation FINANCE Previous Balance Payments do Credits CHARGE Ttansacdons New Balance Mlnienun. Payment Due Date 1571.82 - 517.00 + 512.81 + 5431.80 = 5899.33 529.00 Feb. 05, 2008 r?. Dec. 12, 2007- Jan. 11, 2008 Page 1 of 1 nasty Nor AT uasr ties awwr Visa PWisuns Account 4962-3626.7337.3364 Your Account Infirrmstiom TOTAL CREDIT LINE 11,500.00 TOTAL AVAILABLE CREDIT 1500.67 AVA AVAILABLE CREDIT FOR CASH S1tW.87 Fimsscs: Clangs (Please tee mverae for importso inl ) Balrkerag PUMAC Cors=;rWm applied 10 rate APR CHAR Purchases $816.22 0.04973V 19.15% $12.61 Cash SOM 0.05271*0 19.24% $0.00 Payments. Credits & Adjustro" 1 03 JAN CAPITAL ONE ONLINE ACH PA AYrhDate 03-J AN $17.00• Tswwdom 2 13 DEC 'HUFFMAN TRAILER SALES HARRISONBURG VA $200.00 3 03 JAN WM SUPERCENTERCARLLSLE PA $90.76 4 03 JAN APPLEBEE S CAR07101116 CARLISLE PA 540.22 5 06 JAN PAYPAL -KCERRETA 402.933-7733 CA $52.60 6 09 JAN ILLUSIONS HAIR STUDIO NEWVILLE PA 538.43 7 11 JAN PAYMENT PROTECTION 1.985-327.6904 $9.79 ANNUAL PERCENTAGE RATE applied We period: 18.15 Capital One Home Loam offm a wiety Greg hassle home loan Products, including Bra moripges, mfmaeu and debt oameoudedoe loama, m ads m home egoky loam lad gave oreswit. Our Was oraspawnced pora/iomis ® AtYourService1.800.903.7677 understands dim you sitiadom is unique o your Was schrtiom shmM be too. You91 bove the ame-onom a0/oicn or To mil Cogooer 40MCD w 3 eeyc.rt a Water aalen gad: tlseasmu Personal ken Conwdtant Born Call to else. Visit www.mitalonchomolow.com for more inknvis ion. Qpiul One is an Equal Housing L.soder. 0 Sod peymonr m: Capita One Bank L P.O. Box 70984 0 Charlotte, NC 28272-0194 e Seed oquiria so: Capital Om 0 P.O. Box 30285 O Sak Lake City. UT 14130-0285 ® Have a question about a charge on your 4satswuenrf Flow rules to the Bilft Ryhts Summary on the back of your statement or 6054 age 1 07 11 emus mm 1.9 3 onmoss PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4662362673373364 11 0999330017000029002 CJWftgl()W I what's in y-, wagger N41w Balena MMimum Payment Due Date 1999.33 129.00 Feb. 05, 2008 Pl-W,aaffl7 EAST Amount Enclosedd , copt ai owe lack 040360 P.O. ewe 706" cle"Iette, PC 26272-0684 802744Tnno8Mi470 Account Number lIM- 828.7337-3364 Please print address or phone nutrnber changes below using blue or black ink. Address Home Piro" Alternate Phone E-feel address a $90012040031340024 MUL ID NOmOt 38 BIpaLLle 310 NEWILLe, ms 17241-9739 C 3[72419739394L Please write your account number on your check or money order made payable to Capital One Bank and mall with this coupon In the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. ' Our customers lower their payments an average of over $370 per month! I Iowr avaatle monthly payment ddrn bated on first months payment on ru"rdiae Iovb, occlusive of dosing cork, da dosed becamen 04/01/07 and 09130/07. Actual loner payment may vary. In io ae tarn, mfiaaming to pay a f misting deter nay nand the amp of die debt, possibly resultial in highs amall cons. Offr l Avullad for qualified Voiryw only. Nos all ban praduea or aeme as avWUW in all wacn. The actual dosing done may vary band upon dw pass in whirl de property is bated. lobo subject to cmdit approval. 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Our buatten days add =Ydutwgb SaaubY. excluding holidays. papa CUP16 are. wbw preparing Your pay mw. 8027442 200246 JESSICA D MILLER Dote IZS)4 78 PIPELINE RD NEWVILLE. PA 17241-9159 U4e by March 21, 2008 69-7270/256o 40150 Y v W Pay to the order a 0 V 50 = V W H Doctors T V /+-V,, ~O? C W' Rkhuonq, VA a Grdllolder Memo Signature /12574/*256072701*7502673373364/ sos4 so$ t o, s, ..oeu rasa 2 e< 2 o2owos4 Easy, Convenient. No Transaction Fee. You deserve hasde4ree oa=th tools. So to make It as easy as possible for you to access your account, we're pleased to offer you these no-transacdon-fee Purchase Checks.* You can use them wherever personal checks we accepted to: Pn/ars get cash ...for your home CubN consolidate hills Don't Waitl Your Capital One" Purchsae Checks Get baling tackle home projects should be used by March 21, 2008: Even better, these checks hays the same rate you enjoy for purchases made with your card. So use them today. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. • See back of letter for important information about using these checks. JESSICA D MILLER 12575 lit PIPELINE RD Dote 6e•7270/256a NEWVILLE, PA 17241-9759 40150 v Use by Much 21, 2001 W AayM dreo,de, V 0 1 D W kn Q Doctors ? One' o. Rkhmond, VA Cardholder Memo Signature /12575/*256072701*7502673373364/ 200246 12576 JESSICA D MILLER Date 6e•727o/2560 li PIPELINE RD 40150 Y NEWVILLE, PA 17241-9759 Use by Mmh 21, 2001 l.7 W z v Poy ra the ardor o/ (a) I D ? W - wt - $ Q x Dolbrs ? ow, a Rkhmond, VA Cardholder Memo Signature 80274 /12576/*256072701*7502673373364/ 0 ao, M z m zZ33 A i • 9 2 CW p m C M ,ze Purchase ChKkS: (s) WIN be treated as purchases according to the terms and amendments of your Customer Agreement. (s) May not qualify for reward programs. (3) Are =Wed to year credit vAOk bitty on the day Capital One processes your check Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (p) May not be processed or may be processed at a higher default rate If your account Is not current O.e. restricted, past due or in collections) at the time a check is processed. (5) VAU be returned unpaid and you may be assessed a Returned Check Fee if the credit Is unavailable or your account is not current as stated. (6) Cannot be used as o payment on any Copltal One acwunt. (7) Cannot be used by authorized users. And authorized users cannot request transfers. (a) Qualify as using your account. (g) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. AU other terms and conditions for your account remain in full force and effect. 4 5007 C*kd One Sew*4 kx. C4*&i one $ a W w* noon sends mat*. M Vis nand. a8 Dy • ?Sa i w it Z. a8 wz m? o 0 T _a ¦ m z 0 O M x T 9 m z 8 a x m M M °0 9 W m 9 A 8027442 E??QY18?? Home Loans Lower Rate. Lower Payment. Lower Stress. Horne Loan Offer for JESSICA D MILLER Loan Amount: FIXED Rate Starting At: FIXED Monthly Payment: :200,000' 6.03% APR* $1.203• Call today toll free: i.wo.760.2493 or visit capitalonehomeloons.eom Mon-Fri Sam-8pm and Sat t 0am-1 pm EST Reservation Nun*w. 8018 031 001 2043 2004111 Dear JESSICA D MILLER, With more than 2 million mortgages scheduled to reset in 2008, now is the time to refinance. As our A CAPITAL ON,9 o stomer, you're specially selected to apply to refinance your mortgage to a fixed-rate Capita one FIXED-RATE Home Loan with a rate as b%4M CAPR.' HOME LOAN By switching to a faced-rate loan, you may be able to reduce your payment. taus, upon approval, you an lock in a low rate for as long as you own your home. No more sticker shock when your adjustable rate mortgage (ARM) arlusts--Just the peace of mind of knowing your rate and monthly payment are locked in. A Capital One FO(ED-Bate Nome Loan: • Fixed APRs stating at 6.03% • Custemhed ban am urns from $20,000 to $500,000 • One fixed mont* payment • Lower your payments an average of over $370 every month' APR STARTING AT' 8.03% ONE FIXED MONTHLY PAYMENT PERSONAL HOME LOAN CONSULTANT Applying is quick and easy. Just all 1-800-760-2493, and a Personal Horne Loan will help you explore you refinancing options. Or get started online at www.apkaknehome6m.com. You may find you an get extra cash when you refinance to help consolidate bids, make home improvements, or pay down an auto loan. Our no hassle loan process with no hidden fees Is quid and easy. So, give us a all today, and let us help you refinance into a more comfortable mortgage Sincerely, _-w Ott Pat W. Johnston, Director Capital One Home Loans WCALL TODAY TOLL FREE: I.800.760.2493 OR VISIT capitalonehomeloans.com Capital One Home Loans Adjustable Rate Mortgage Capital One Fixed-Rate Home Loan . ? me sdptnmetn With ?' ARM ? Low FIXED rate - causes monthly resat A Awed rate mans your maRhty payments stay Initial narlddy payments to else. Payment an" tine soon for the Nh of your loan. ? FIXED monthly payments we low go as NO as: payments ? No hidden fees Call today toll free 1-800-760.2493 , or visit aapitelonehomoloans.com Mon-Fri Sam-8pm and Sat 10anr1 pm EST Reservation number. 8016 031 001 2043 • Advertised annual percentage rate is effective as of I IIIV07 and sub' to chao at any titre. APR is based or a good credit history, 5200,000 loan amt 1 80% combined ban•ttrvakw ratio and a 30•yem fixed-rate first-hen awe". I& y? yrneat or this ixaml de is $1,203. Upon approval, your ban anount may vary based on your speckfa sxuauon. In some caw, refinancing to pay off existing debt any ioaease the amount paid when compared to your current situation. Addaional rents and restrictions apply. •• Wsr Omar wAt* payaam dam bred w Brio aroaet parman m WAludam hwm, eodaa * or d" wra, dm dewed bnw m 0"I/Mr: and OyV.RAW7 Aawl lower pgmm may wrr. in smw oar, rdrrww" b pay or cxmi deb may ewad ihr arm d the dehL pan" "Ana to aloha on wi coos. Cw W nee 4 a r4eol Iloaaba Lawler. See ar," W addYlmd Ypmiam W romo m. 8027442 Home Equity Loans I Mortgages I Refinancing I Debt Consolidation w fait no 1 97 11 ow111 rum 3 •r Q I cuneady bave an ARM (adlroablr: rate mortgage). Why would I want to refinance to a fixed rate? A. The best reason for reli andng to a Axed rate is security if you have a wuiabletaie lam such as an ARM, your rate and mamhiy payment am go up at any time. The secutlry of having a fixed nit dw stays the sere is priceless. Q What property typos or ellok for a Capital One Herne Loan? A. We offer home loans for single. and muld4ar* hoots, townhouses and condos. At this time, we do not offer hoax ioatu for otaperdim, rmmdmUuxd and modular hones, mob* hoots and commercial properties. Q What types of flondag does Capial One Home Loans offer? A: Capital One Home Lows o&rs a varidy of no-hude home loan products, including first mortgages, refinance and debt consolidation loans, as well as home equity bans and Unes of credit. Our team of experienced professionds understands your situation is unique, so your lour solution should be too. Q- Does Cwpkal One Hone furze require a minimtmn loam anamt? A: Yes, die minimum loan amount is $20,000. Q: Why mot just use my bank for a home loan? A: Capital One takes die hauls out of the landing process. It's quick acid easy, and U's perswuUxed. You'll have one-on-ore attention from die sure Pe stmW Home Loam Cotisukanl stan to finish. A direct line and email to your Loan Consukim helps you mombor the progress of your ken and address any questions you may have along the way. Q: Can I get a loan with a fixed monthly payment? A. Yes. Capital One Home Lam offers loan options that provide a guaranteed fixed monthly payment and rare that will not change for the life of the ban. Q: What if 1 am self-employed or have missed a payment? A. Capital one den a full range of products Whether you have perfect credit, less-than-perw credit or have hard-b-prove become, we will work closely with you to try to And a home ban solution that best meets your needs. Q: What information do I need to have ready when 1 call? A; Please Inve the following Information available. • Your Rsentitnn Number • The estimated value of your home • The balance of your AM mortgage • The balance of any secondary mortgage bans • The amount of the ban and credit and balances you would Lilco to consolidate For your no-obligation consultation, simply call us toll free: I•r00.7W2493 Our Personal Home Loan Consultants are available Mort--Fri 8 a.m.-8 p.m. and Sat 10 2.M.-I p.m. EST. Or visit www.capitalonchomeloans.com Raerntion Nuwk= 5019 031 001 2043 (Whr 0 ? Apply orn! Lofas Get started by calling us toll free, or visiting us online. Hod*' It's fast. ® ? Get a quick decision Matt loe m y by pr•dct ad-.d d aria -&-king and pp-A hhr ban. Offer i•.n ded ra gdirwd T4i- -1y. Not as I- produce a .,,- - -A, in U .tats. The .,..I doing .4- -y wry bawd p.. te cute in hich he propcrty u located. rwu whim to aedit sppmal. Thin donaw ecpamnt m frn to enter into . I- ay--t. Rags nd wr.r%.W*t to dtange vW- n d.. O 2008 GpiAd 0-S ea I- GgGd 0- b f.6 .Uj qw-d wain -& All dy/w -d know if you've been approved in minutes. i 0You'll It' s easy. ? Next-dory delivery Here s how All your paperwork is prepared and delivered to your door via next-day air or by ema8. We've made it simple by highlighting the areas for your signature. it works ... ? a/ Have your check sent to you or direct deposited. A. No. Whm you aA us, you ate naldQ no ahUptlm vdtataonvm. 802 Q: is tfiere is obliptlom who l call? 6.03% APR* 500085 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One' Home Loans takes out the hassle: Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call top free; 14800.760.2607 Or visit WWW.Capitalonehomeloans.COm Mon.-Fri. Berm-Blom: Set, I Oam-lpm Eft Reservation Number: 5029 0410107086 Ahewiad amad mr is a fease a uI 17/1111007 and lubinu in d.V or any time. APR is bred on l d audit hinory, S200.000 loon annum. WS -.bid r ' law-slue i=.7;., Poled-rsa fim-lien Mmddy Fq'men W diis example is t1.203. Addition emu and «eriaiau apply. qR! 11 naaan aaaw (opiuJ (hnr s an Fgwi Housing LenJor. Sec nvasc 8xbasl imporum infmasrsxn. #1011,41, LOANS— Le MR Home Equity Loans I Mortgages I Refinancing I Debt Consolidation FINANCE Previous Balance Payment dt Credits CHARGE Transactions New Balance Minimum Payment Due Due 5999.33 - 549.95 + 517.99 + 5596.24 51,563.61 563.61 Mar. 07, 2008 Jan. 12, 2008 - Feb. 11, 2008 Pap i of 1 - MAN IN Al ntAR la4 MOM Vin Platinum Account 4862.3626.7337.3364 Your Accorat Infarartion TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 CREW LINE FOR CASH $1,500.00 AVAIABLE CREDIT FOR CASH s0.00 Finance Cho rge s ukase s. asenw 8r npatnt bfanadoa) anbtae ale Petcdc CarapaafsB FNWCE applied a rsa APR CHARGE ru ckus$ 81,167.20 0.04973V 18.15% 617.99 Cash $0.00 0.05271NP 19.24% $0.00 ANNUAL PERCENTAGE RATE applied Wb paint: 18.15% At Your Savior 1.800.903.3637 To all customer Rotation or to report a less or swkn Card Payments Credits &Adieslment 1 12 JAN WAL-MART 82574 SE2 CARLISLE PA $20.95- 2 04 FEB CAPITAL ONE ONLINE ACH FA AuthDaa 04-F EB $29.00 Tres w•e`ions 3 14 JAN MGM PHARMACY INC NEWVILLE PA $16.79 4 21 JAN ROSS STORES 8689 CARLISLE PA $95.93 5 30 JAN SAYIARS NENNIULI E PA $104.60 6 04 FEB WAL-MART 82574 CARLISLE PA - $47.66 7 04 FEB KNISELYS PUT &. FARM CENTS CARLISLE PA 862.89 8 04 FEB NEWVILLE FEED A HARDWARE NEWVILLE PA 847.66 9 06 FEB GIANT FUEL 8331 MECHANICSBURG PA $47.00 10 08 FEB FEDEX SHP 01/71108 ADS 618.610000017 TN 87.01 11 08 FEB FEDEX SHP 0113 HOB ABN 784.803734736 TN $12.00 12 09 FEB SHEM 00002329 MT HOLLY SPRIG PA 855.01 13 10 FEB EBAY INC. 888-749.3229 CA 845.75 14 11 FEB PAYMENT PROTECTION 1-888.521.6909 814.94 15 11 FEB OVERLIMIT FEE FEB 11, 2008 839.00 ® Smd . Capital One Hone Lunn offers a variety of no husk home ban product, including firm mortgogu, rernnance Capital b On Bank'- P.O. Box 70884 O Chabte, NC 28272.OMW 4* comolidede n lass, u well u home apky loan and Ilea of cm& Our lam of experienced profasloaat undaaalds does yaw sinWios is wookus me year ban solution abould be toe. You ll have the A Sera Inquirl" u: ow m -ow notation of One am pnnosd loan consultant from all b close. Visit Capital Out] P.O. Box 30285 ? Seth Lake City, UT 84130.0288rww.enpitlonehernlean.com farmers infomrdon. Capital One ism Equal Housing Leader. ® Five a question about a chap on your sttsmanl7 Pose afar w to Bid Rif t Suns y= 6e huk ofyte statement or nisi BpMIp ,?ptm PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4862362673373364 11 1563610029000063610 C-P&MOW I wham in your wewl* . Account Number: 4862-3626-7377.3364 New Boluses Minimum Payment Due Done C51,563.61 563.61 Mu. 07, 2008 PLEASE PAYAT LEAST TNISAAfOUA7 Amount Enclosed Capital One Bank -4067- P.O. Box 70864 Charlotte, NC 28272-0884 8027,5 ,g 2"272088N47- Rene prMt address orphon mnnberetunges below uaks8 bko err btek Mk. Addnts _ Home Phone Alternate Pbow 09004304003134007N MAIL to NUMBER JESSICA 0 MILLER 38 PIPELINE RD NENVILLE, PA 17241-9159 •172419759384• Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon In the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $370 per month! t lower avenge monthly payment claim bard on rim manth'Is payment on non-purchae barn. exclusive of dosing cons, that cloned between 0401!07 and 09130107. Actual lower payment may vary. In some cafes, refinancing to pay off costing debt may emend the cart or the debt, possibly resulting in higher overall cosu. Ofirr imerml d for qualified applicau only. Not all boo products or-wrau an available in al suteilhe actual daaiag times may wry bated upon the wu in which the property is baud. Loam subject to ;edit approval.'Ihis does not re,. m m offer, to mar law a I mm agreentea. Raw and terms abjen to change with" naive. O 2108 Capird Ore S,-m lar. C pir d Orr is s fAgln.y ngiursar rnirr, mark. Alf nO. rrrrw/. Home Equity Loans. I Mortgages I Refinancing I Debt Consolidation 001 11 0101,1001111 .1.041097 bgahsM NaaaMwrw sou naa low WE to wmaata b y-owura es d 1,w ouMM doe w ash's a. PA's (1) Pmt MW IN, boom Pd11ond 1,w abMawa anssawdbuh Mter snc/oam raatalaba arwalrPa W (2) aawaalnaa YltedW b Ote Pramaaaei11 araer bs 7 pm ET 112 ream R1 now aYr Y lra MPl bubr 11aas /te PteYlaeanM. Foamwws raoaNea M to d aAaaw bellon a b area eslurlwm airy M M PmAaO K dM barn naMa wow OarOha1,taea oala sn IAartaa711vmtwn 11aNary• adulnP aaitaava. Plow m M w assdte. PaPaeiOa. des 1,M PNOwb10 Yow Pearrtra. 8027442 v JESSICA D MILLER 200246 38 PIPELINE RD NEWVILLE PA 17241975998 Dote 12585 UM by April 20, 2008 68-727ol256o 40132 Y V W p12Y to the ardor of ?1 VOID $ LATJ J W DoNors T ??^^ a Rkhmond, VA 4 Memo 1125851.236072701-7502673373364t 5irnalureCardholder Easy. Convenient. No Transaction Fee. You deserve hassle-free finandal tools. So to -make it as easy as possible for you to access your account, were pleased to offer you these no-transaction-fee Purchase Checks! You an use them wherever personal dmb are accepted to: Prows get cash ...for your home Cestrol consolidate bills Don't Walt! Your Capital One• Purchase Checks 09 Bobo tackle home projects should be used by April 20. 2004 Even better, these checks have the same rate you enjoy for purchases made with your card. So use them today. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. • See back of letter for important information about using these dxKks. JESSICA D MITER 36 PIPELINE RD 12586 NEWVILLE PA 17241975938 Date 68.7270/256o fe , 40152 Y Pop to the order of _ VOID ? mow Richmond, VA Memo 112586/ -256072701.75026733733641 V W T U $ (A Q T DoNors td a a Cardholder - signature 200246 JESSICA 0 MILLER 38 PIPELINE RD 12587 NEWVILLE PA 17241975938 Date 68.727012560 Use by April 20, 2008 40152 V W T V Pay to the orderof I VOID $ "r H Q T DoNors ow a Rkhmond, VA Memo Cardholder si8natwe 8027442 112387/•256072701-75026733733641 0 no mz my m? P? T y z A ); 90 • r? 10 . mC' z em, M z 0 0 M S i A Purchase Checks: (i) MN11 be treated as purchases according to the terms and amendments of your Customer Agreement. W May not qualify for reward programs. (3) Are subject to your credit mailal0ty on the day Capital One processes your dkack Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (q) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. (s) MINI be reWmed unpaid and you may be assessed a Returned Check Fee if the credit is wumlable or your account Is not current as suited. (6) Cannot be used as a payment an any Capital One account (7) Cannot be used by authorized users. And authorized users cannot request transfers. (t) Qualify as usingyour account. (9) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) Is(are) returned unpaid. All other terms and conditions for your account remain in full forte and effect. Z 2007 Capaal One Swr kq% W. CapiM One is a fede(aay fMwwfd since mart. AN tvkj mwwd. 0 Ma a m = p T T ? y < oQ n N S Tj o _ P g = • m a ? ? O y a f n fj k ? o m <S T Mz T y ?n s 0- 7 H T O s P 2 7 9 s s m it rs • y m N y ? N P ym y z I" 0 0 a x X M M 0 0 a a M x A m 8027442 I 200445 Lock into a low FIXED rate and guaranteed FIXED monthly payments. EXAMPLE': Based on a Home Loan with a FIXED APR If you borrow $61,270 If you borrow $80,793 If you borrow $107,295 Your FIXED monthly Your FIXED monthly Your FIXED monthly payment will be $3M payment will be $5W payment will be 4 t 0poa sppraud, lour low u m arl racy taaed a laa speolc riul2on. maatpaynaru age based a a lied aawnl puaeap8e rta assady 6.47% APR ior W.270 lm aaraast, 6.45, APR it 580,795Ian aeorart as b50ts APa fa $107,29$ Iaa aaoua. mat apul6ly.sourt b a flied awnMy paysmrr for dusty yma.l. save sus, ra6mW8 to pay of ex6Ma8 rh:k rref aleal the kra d r6e dab4 pa> If mawWl{ In N Ow oraat cogs and lac rtxAft the sad aarwat pald sr6ar tanpand to year arrm wank a. 113w,111.? Nome Losns• The Capital One Home Loan: Get a Locked FIXED Rate that Works to Your Best Interest JESSICA D MILLER. You already know Capital One• as a great credit card company. But did you know we also offer home loans? In fact, Capital One is one of the nation's top lenders. Apply for your Capital One home loan, and upon approval, use it for just about anything ... make home improvements. Consolidate high-interest debt. Cover educational expenses. Or if you currently have an adjustable rate mortgage, you can refinance to a low fixed rate. It's your equity, and it's your choice of how you use it. Get a great FIXED rate on a loan customized to best fit your needs-from $20,000 to 5500,000. And it's easy. Your Personal Home Loan Consultant will explain everything and help you through every step. Call us toll free today at 1.800- 760-2607 for your no•ob88adon conwl4don. YOUR HOME LOAN SUMMARY Example Loan: I Low FIXED Rate Starting At: I Example FIXED Monthly Payment: I t If $107,293 e 6.30% APR • $664 Loan Amounts: Tax Deductible: Personal Home Loan Consultant: $20,000-5500,000 YES Ia.a,.,Rg yxw, i .."-i YES • Advertised annual percentage rate is effective as of 12/1147 oral aubf ea b ehaap at any time. APR is based a a pod credit history, $107,295 ban amount, 80% combined loan-to-value ratio and a 30-year fixed-rate first-lien mortgage. Monthly payment for this example is $664. Additional terms and mtrictions appy. Capital one is an Equal Housing Lender. See reverse for additional important information. 200445 Apply Today For Your No-Hassle Home Loan <enag ve.ra IV rg.:afV1\Y Call toll free 1-800-760.2607 visit capitalonehomeloans.com Mon.-Fri. 8 a.m. to 8 p.m. and Sat. 10 a.m. to 1 p.m. EST Reservation Nurnbec 5028 021 001 1274 L 8027442 Home Equity Loans I Mortgages Refinancing I Debt Consolidation 0-a` Q: Wky not just we my bank for a home leant A. Capital One takes the hassles out of the leading process. It's quick and easy, and It's persomdind. You'll have one-on-one attention from the same Personal Home Loan Consultant start to finish. A direct Wne and email to your Loan Consultant helps you monitor the progress of your loan and address any questions you may have along the way. Q: What property types are eligible for a Capital One Hone load A. We offer home loans for single- and multi-family homes, lownhouses and condos. At this; lime, we do not offer home loans for cooperatives, manufactured and modular homes, mobile homes and commercial properties. Q: Woo "a of financing does Capital One Home Loans offer? A: Capital One Home Loans offers a variety of no-hassle home loan products, including fiat mortgages, refinance and debt consolidation bans, as well as home equity loans and Woes of credo. Our team of experienced professionals understands your situation Is unique, so your loan solution should be too. Q: What H 1 am self-employed or have mimed a payment? A. Whether you have perfect credit, less-than-perfect credit or have hard-to-prove income, we will work closely.w!th you to try to find a home loan solution that best meets your needs. Q: Can 1 Set a lom with a fixed monthly payment? A. Yes. Capital One Home Loans offers loan options that provide a guaranteed fixed monthly payment and rate that will not change for the life of the loan. Q: Does Capital One Home Loans require a minimum loan mount? A: Yes, the minimum ban amount is 620,000. Q: What information do 1 need to have ready when f call? A: Please have the following inforomfion available: • Your Reservation Number • The estimated value of your home • The balance of your first mortgage • The balance of any secondary mortgage loans • The amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800-760-2607 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 am.-i p.m. EST. Or visit wwwcapitalonehomeloans.com Reservation Number: sots o2n ooi 1274 Here's how simple it is ... 0 ? Apply Get started by calling us toll free, or visiting us online. ? Get a quick decision You'll know if you've been approved in minutes. 0 ? Next-day delivery All your paperwork is prepared and delivered to your door via next-day air or by entail. We've made it simple by highlighting the areas for your signature. HOfItE LOdifS Rate ludo vary by pre lua ,rieetvd awl ate ttbui-W afro w,dvrw66% a,d approval uTdw k- 01k, intended for ,pab&d appticam wtly. Nu[ all ban pndttcta or terms are mHabk io all autos. Tim actual ckrioa titttav may wry ba,ed up- the cute in whidi dw property is bored. Loa. wbjm w credit approval. Thu d.a not rep- c an otkr m rnur int. a lean aaeeem<M. Rana and terms wbjert m eh..p withow nwic<. O 20M (:,prof bnr.tirr,Mra Gr. Gpruf 0- h .a rory rq,,-d „..err -,*. All g r,-.d 802 Q: Is time as oblJpdoa when I edit Q: I -m dy bare an AM (adfamble rate mortgage). A: No. Wbm your all to, you are under no obligation wbatsoem. Why would I want to rdlmmoe to a fixed relief During your phone conversation, a personal Home Loan A. The best remon for ttfistancinS so a fixed roe is secutity. Conwhsnt will simply blip you ciftrnbne the loan amount and ff you hate a vartabie-ate ban such as an ARM, your me terms tho best suit your needs. Than It's entirely up to you! WW monddy payment tan go up at any time. The security of having a fixed rate that suer die wine Is priceless. • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see whatt 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. 500017 FINANCE Pm Vimis Balance CHARGE Tnnactione__ New Balance Minimum Paymed Due Due 7 5 51,363.61 - ? ? 17. 3 77) + $133.47 5734.81 S22.00 Apr. 05, 2008 Feb. 12, 2008 - Mar. 11, 2008 papa 1 of 1 .1% KM Mir K LLAST INS mouhl Vw Platinum Account Payments. Credits d Adiuslmcols 4862.3626-7337-3364 1 28 FEB CAPITAL ONE ONLINE ACH PA Au"M 27-F EB $ I,AW.00- Your Account Information TOTAL CREDIT LINE $1,500,00 Transactions TOTAL AVAILABLE CREDIT $765.19 2 10 FES ROSS STORES NO CARLISLE PA 526.74 CREDIT LINE FOR CASH $1,600.00 ) 11 FEB PEfSMART 00015214 CARLSLE PA $24.31 AVAILABLE CREDIT FOR CASH $786.19 4 14 FEB AMOCO OIL 06142344PLAMFIELD PA $37.00 5 11 MAR PAYMENT PROTEC310N 1-/88-3276904 $6.62 6 11 MAR OVERUMIT FEE FEB 16,2W8 579.00 Finance Charges Q% m am mean tr hpmbxl it6nmthn) Bmhese at Penh Bc Comm Pcodie FINANCE Whether you're In We motet for a bone equity loan or you're imeris a l in reffn whq, Capital One will find a appird b ale APR CHARGE borne nom tohNim to el your seeds. We aft put muss, no bidden face, ud you will receive the oae-on-arc pwcbum $1,229.35 0.0497311P 19.15% . $17.73 attention of time min personal bas coasknN Pam call to clan. Visit www.capiWondmawiow.com for more cub $0.00 0.032711W 19.24% $0.00 information. ANNUAL PERCENTAGE RATE applied Nis Period: 18.13% - Al You Service 14MO.907-7637 ® To all Q sessawr Relagone ur to report a bu es stolen card 0 Send psymants to: Capital One Ek(USA) NA 0 P.O. Box 70884 0 CMCona, NC 28272-01144 Send Inquiries In: Capitol OncD P.O. Box 70285 0 Sall Lake City, UT $4130-0283 ® Have a qumdm abouts cluar on your saammt7 Pbueever toBane86%Ruthsummary on Be backol'yeur sinew" wvbk PLEASE RE'n" PORTION BELOW WITH PAYMENT OR LOO ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4862762673373364 11 0734811000000022007 Cs~0i,W I wk.ra i. , w.u.u' Aeeaml Number: 4862-)626.7777-)364 New Balms Minimum Payment Due Due 5734.81 $22.00 Apr. 03.2008 PLEASEPAYAT LEAST TN/S AMOUNT Anoint Enclosed Capital One Bk1USA1,NA .411%. P.O. Box 70884 Charlotte, NC 28272-0904 802744292720944947- PMnaa prba a0arma or pbetr rxaraes elrrmpes Cetew us 4 blue er Mack Mk. Address Home Pbne Alternate Plane E-msil Address, GI 89007204003134MU MAIL ID NUMBER JESSICA D HILLER 38 PIPELINE RD NEYVI LLE, PA 17241-9759 •172419739344• Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mall With this coupon In the enclosed envelope. 002 11 CHUMM e-+-owom MnM+!?a MMMYprr pu nrib w wr d o.aw a pv.rcw+r a w. ewaw ayw naw. Y, pow.e (+Iw? ?W w YoOein /Mr11M MY WManl W YM/ tllnr M hMltlenr 1'w11MMr? Mw?n/? W 1=1 fw'Ogwsi Y+M11wa ti w paowMp orilr O aYlhaf ft-"10b. W +aenR}M/Ma N r dW MOa M1MYrvwwa Y-00Mr O4 OMM ip WAwWrrrOM OAMMMwMa'+tl+0' *d"r tiOW Y IWAN tr.rr,raadWgwqhd MaM Oft PIw?OO nM ur Mr?r. P?Dn db. Me. wean pap May 7M/ P)www 8027442 i s 200454 Lock into a low FIXED rate and guaranteed FIXED monthly payments. EXAMPLE': Based on a Home Loan with a FIXED APR If you borrow $61,270 If you borrow $80,793 If you borrow $107,295 Your FIXED monthly Your FIXED monthly Your FIXED monthly payment will be 53 1 payment will be $482 payment will be $6" Ulon pso a wwM ss?x AN for f1107g ws a ? ad s.laiv?Vecdc far l l9' .awe the a weary kW on a bed &=W . a me. core* 6M AN far me kr lwtty ueax 161.170 lx? as i i kw4w a w radn. Is smar calm rd mdq ad pq eft aaia4t"may emend dne irmr of rhr dek peaHly narking in Mom meet 0204 aml lasiedar the sad Wnuun paid Open tnmpaed a twr rrnrnoa ataadmn. HRW?Horne Loans C __ X Refinance with Capital One: Lock in a FIXED Rate that Works to Your Best Interest JESSICA D MILLER You already know Capital One° as a great credit card company But did you know we also offer home loans? Apply for your Capital one home loan, and upon approval, use it for just about anything ... make home improvements, consolidate high-interest debt, cover educational expenses or have money on hand for unexpected expenses. Or if you currently have an adjustable rate mortgage, you can refinance to a low fixed rate. It's your equity, and it's your choice of how you use it. Get a great FIXED rate on a loan customized to best fit your needs-from $20,000 to 5500,000. And it's easy. Your Personal Home Loan Consultant will explain everything and help you through every step. i Call us toll free today at 1-800-760-2493 for your noabliption cenaahation. YOUR HOME LOAN SUMMARY Example Loan: Low FIXED Rate Starting At: Example FIXED Monthly Payment: $200,000 c 5.5374 APR ' $1,139 ° Loan Amounts: Tax Deductible: Personal Home Loan Consultant: 520,0004500,000 YES Icfdeckw+d yourdeaodriwr) YES ' Advertised annual percentage rate is effective as of 01/2LV8 and subject to chaaae at say time. APR is based on a food credit hirory, $200,0D0 loan amount. 80% combined loan-to-value ratio and a 30-year fixed-rate first-lien mortgage. MontMy payment for this example is $1.4 39. Additional terms and restrictions apply. Capital One is an Equal Housing Lender. see reverse for additional important information. I - 200454 Apply Today For Your No-Hassle Horne Loan c char cenra rv nwrvrvv Call toll free 1-800-760-2492 vi:it capitalonehomeloans.corn Mon.-Fri. 8 a.m. to 8 p.m. and Sat. 10 a.m. to 1 p.m. EST Reservation Number: so3so21ofs9s4z 8027442 Home Equity Loans I Mortgages I Refinancing Debt Consolidation DR Q: Wiry "Just use my bnak fora borne loan? A. - Capital One takes the hssiles out of the lending process. It's quick and easy, mad its personalized. You'll have owenone attention from the same Personal Home lain Consultant start to finish. A direct line sad email to your Loan Consultant helps you monitor the progress of your loan and address any questions you may have along the way. What property types are eligible for a Capital One Home loan? We offer home loans for single- and multi-family homes, townhouses and condos. At this time, we do not offer home loans for cooperatives, manufactured and modular homes, mobile homes and commercial properties. Q: Whet "a of bancing does Cst W One Home loans otia'f A: Capital One Home loans offers a variety of no-hassle home loan products, Including first mortgages, refinance and debt consolidation loans, as well as hone equity loans and lines of credit. Our tam of expo rlenced professionals understands your situation is unique, so your loan solution should be too. Q: What if I am self-employed or bare missed a payment? A. Whetter you lave perfect credit, lewthan-perfect credit or have bard-to-prove income, we will work closely with you to try to find it home loan solution that best meets your needs. Q Can 1 get a loan with a fixed monthly payment? A: Yes. Capital One Hoak loons offers loan options that provide a guaranteed fixed monthly payment and rate that will nos change for the fife of the loan. Q: Does Capital One Home loans require a minimum loan aneount? A: Yes, the minimum ban amount is $20,000. Q: What lullor aaflon do I need to leave ready when I call? A: Please have the following Information available: • Your Reservation Number • The estimated value of your home • The balance of your first mortgage • The balance of any secondary, mortgage bans • The amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800-760-2493 Our Personal Home Loan Consultants are available Mon-Fri 8 am.-8 p.m. and Sat 10 a.m.-1 p.m. EST. Or visit wwwtapitalonehomeloans.com Reservation Number: 503E 0210159542 Here's how simple it is ... Q ? Apply Get started by calling us toll free, or visiting us online. © ? Get a quick decision You'll know if you've been approved in minutes. ? Next-day delivery All your paperwork is prepared and delivered to your door via next-day air or by email. We've made it simple by highlighting the areas for your signature. Home Loans Rue iota nary by p-J- x-h-d uW arc.6win". after wdeMmi%and apprunn of d,e Iwo. Cher intndad F., gwlifi d gplinnu wdy. Nw all Ian pndutta or wp zee anil*W in all awes. The wuW cooing data nwy vary bawd up-,he wua h which the p,oper,y a bawd. Loans wbj- to a di, app- 4 Thu dam not wp,men, an offer w enwr inw a Iwo ayseanew. Rum and terra wbim w dunce with-, mono. 020M r gird Oa Snwar. 1 . ryiuf 0. is . f6 Al r jine-d -W. wit. A# tka -d 802 Q: Is there an obilliatim wbm I call? Q: 1 cu really bare an UK (adJuatable rate mortgage). A: No. When you call us, you are under no obligatlat whalsom. Wby would l want to reentace to a fitted rate? Dating your phone conversation, a Personal Home loan k The best reason for refinancing lo a fbaed rate Is securigc Consultant will simply kelp you dtaertuhte the km amount and 9you have a variable-rare tan such as an AN, your rate terms that best suit your needs. Then it's entirely up to you! and monthly liqukut can go up at any time. The security of having a bell rate that sdtysahe sack. is pricdas. G? Dear )MICA D MII.IER Introducing the new face of Capital One... AA Your credit card company is growing and evolving. To celebrate this exciting era, we're changing our image. Watch for the new face of Capital One• in the coming weeks: • Bright red and blue colors. • Dynamic new logo. • Fresh new look. In addition to our new look you can now count on us for more financial solutions. Auto loans. Home equity loans. Personal loans-even banking products and services. You'll continue to get great value without the hassle. That promise to you will never change. Thank you for your business. We look forward to serving you for many years to come. Sincerely, P. Taylor Jamison Director of Accounts ® 2008 Capital One Servitor. Inc. Capital One u a fedtmAj rrgiamd rervice mark. All ri& rnerwd Auto Loans I Banking I Credit Cards I Healthcare Finance I Home Loans I Personal Loans I Savings I Small Business ,off Visit www.capitalone.com to explore all of our No Hassle products and services. ?j We're. evolving to keep up with you. CRIPMal, Dear JESSICA D MILLER Introducing the new face of Capital One... AA Your credit card company is growing and evolving. To celebrate this exciting era, we're changing our image. Watch for the new face of Capital One• in the coming weeks: • Bright red and blue colors. • Dynamic new logo. • Fresh new look. In addition to our new look, you can now count on us for more financial solutions. Auto loans. Home equity loans. Personal loans-even banking products and services. You'll continue to get great value without the hassle. That promise to you will never change. Thank you for your business. We look forward to serving you for many years to come. Sincerely, P. Taylor Jamison Director of Accounts ® 2M Cat/iul One Strvita. Int. GpiraJ Ont it a frdm4r r1irtrrd trrvia mark. AG rights mrrwd. Auto Loans I Banking I Credit Cards I Healthcare Finance [Home Loans I Personal Loans I Savings I Small Business Visit www.capitalone.com to explore all of our No Hassle products and services. ?j We're evolving to keep up With you. 500016 Capital One" does credit cards-and then somel Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and to manage your account online. `--T"-7"'wM;a rn Per wM.rr FINANCE Pte vim Balance Payments & Crdib CHARGE Transactions New Balance Minknum Payment Due Due 5734.81 - 550.00 + SI5.69 + 5710.63 51,411.13 542.00 May. 06, 2008 ?. hlar.l; 7008 -Apr. 11, 2008 Papa t of 1 war an w u,61 nos M DLL Vhn A = , 7-7764 = Your Aoawrl Idomntion TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $sm.87 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $58.07 Finance Charges (Pkae sae oteme Btr irpalbrt hBnroOBn) Yoe MIN Pedode con"Farxiing HNANM applied 16 111111 APR CHARGE PUMANO $1,143.56 0AWStW 16.15% $is 9 .00 cub $0.00 0.04723* 17.24% $0 ANNUAL PERCENTAGE RATE applied this period: 16.13% ravmcats. Credits AAdiuIt tmcats I 04 APR CAPITAL ONE ONLINE ACH PA AYthDak 03-A PR S50.00- Tra nsactions 2 11 MAR GIANT FUEL 0331 MECHANICSBURG PA $54.00 3 16 MAR NEWVILTE FEED k HARDWARE NEWVILLE PA $52.93 4 17 MAR RAINBOW 0306 CHAMBERSBURG PA $53.53 S 17 MAR PAYLESSSHOESOUOW 17640 CHAMBERSBURG PA 522.99 6 21 MAR AMOCOOIL 061423M PLAINFIELD PA $51.00 7 24 MAR KMSELYS PET A FARM CENTE CARLISLE PA 526.49 8 25 MAR ILLUSIONS HAIR STUDIO NEW VIL E PA $30.00 9 28 MAR TRACTOR-SUPPLYCO 80261 LEBANON PA $19.85 10 29 MAR WM SUPERCENTER CARLISLE PA $49.21 I I 29 MAR GIANT FUEL 0331 MECHANICSBURG PA 560.01 12 29 MAR NEWVILLE FEED t HARDWARE NEWVIILE PA 1118.37 13 30 MAR WM SUPBRCENTER CARLISLE PA $01.42 14 11 APR PAYMENT PROTECTION 1-888-527.6904 $13.83 M Yaw Service I-800-903.3637 To aR Customer Relations or to repute lostor uoten card Whether you4e in the maker for a hone equity loan or you're inoreud in renmrteirty, Capital One will find a Send payracob b: home ban notation to in your aeede. We offer pat rata, an hiddea foes, and you will receive the one-onone ® Capita One Bk(USA).NA :7 P.O. Box 70884 "' Charlene, NC 30411i01prde some persuml ban consuhal Ilan all to close. Visit www.apibbnchomdoaaa.com for mm infommdon. Send Inquiries b: Capital OwC P.O. Box 30285 C Sall Lake City, UT 94130-0285 ® Now a question about a charge on your statement? Phase mkr b do BOW Raw San "on the back ofybr aabrmel rvit " PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOO ON TO W W W.CAPITALONE.COM TO MACE YOUR PAYMENT ONLINE. ....y/a,?a?//??,,____ 0 4862362673373364 11 1411130050000042005 CAOM I -, in roux waltrtr' Aoroum Number: 1862.3626.7377-3364 New Balance Mininmm Paymaa Due Data $1,411.13 MBy.06,2008 542.00 PLEASE PAYAT LEAST rHlSAAPOf/NT Amount Eaclosd Capital One Sk (USA),NA -4127- Charlotte, Box 70464 Charlotte, NC 26272-0064 8027442W""4"71 Peme print ddreaa or phone number dtatnpes boom u" On or black Ink. Home Phone Alternate Phone E-mail addma M 890103040031340090 MAIL ID NUMBER JESSICA D MILLER 38 PIPELINE RD NENVILLE, PA 17241-9759 -172419759384- Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon In the enclosed envelope. "'- A quick glance at -1 what Capital One can do for you. Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Whether it's braces or laser eye surgery, we can bring medical costs into focusl Visit capitalone.com to learn morel Capital One Bank (USA), N.A., Capital One, N.A., Members FDIC. 1012 0101UM • 1 .0{1101"7 1:0.h0111 11 1 r01 Y-.,M b..11 W 9191" b VW aa1.a+. 0 SO 0101111a a0/W -0. IL PM,4 d (117w WN 00 MOam O.OaON Oil MNMr"M01'am dn14 N M amowa-mm-.ntl, 0"d (2) 1.aPgw11aY aauMdMwpoasYO e1n1. by7O.nein2, R}Fla11aaaa?N1r10.aN1a„1a,11aMb/11Y1MwMY.h1a,.aamwidMuNWVdrbcWwwN . allw km1 warm ae""u d0r d1" a caw.ara.o."uWwa Oqa M.1WWry "1'ai!?01M'a1Y•aaddKtadOq'1• ftm do no W a wkc 010. dp, as car, O?aParyV Ma 0lfwrt 8027442 • y JESSICA D MILLER 39 PIPELINE RD NEWVILLE, PA 17241.9759 200472 12605 Use by June 20.2009 68-727o/a56 400 156 o Y V W x VOID V $ Pbyto the order of W h DoBors V a Q RlchmaeQ VA Cardholder Memo signalum /12605 /•256072701.7502673373364/ East's Convenient. No Transaction Fee. You deserve hassledree financial toils. so to make it as easy as possible for you to access your account, we're pleased to offer you these no-transaction-fee Purchase Checks' You can use them wherever personal checks are accepted to: Prspsre get cash Don't waitt Your Capital Onee Purchase Checks Ccetrol consolidate bills should be used by. list Bola, tackle home projects Jene 20, 20011. So use them today. Even better, these checks have the same rate you enjoy for purchases made with your card. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. See back of letter for important information about using these checks. JESSICA D MILLER 12606 39 PIPELINE RD NEWVILLE, PA 17241-9759 Dore 68-7a7o/40 5 06 Use by June 20, 2008 k V W x V Pot' to the order of VOID $ Q 2 Dollars a a Richmond, VA cardholder Memo Signature /12606 /•256072701'7502673373364/ 266472 12607 JESSICA D MILLER 38 PIPELINE RD Date 68.7270/2560 NEW MLLE, PA 17241-9759 Use by )me 20, 2006 40136 Y ?J W - V Pay to the order of 5? W VOID ? Dollars V _ a Richmond, VA Cardholder Memo - Signature 8027442 4 /12607 /e256072701*7502673373364/ m a m a 0 T O O a$ yz ma O T ? r rz A PUt' UM Chocks: (i) MU be treated as purchases according to the terms and amendments of your Customer Agreement. (z) May not qualify for reward programs. (3) Are sub(ect to your credit avallablitty on the day Capital One processes year check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (q) May not be processed or may be processed at a higher default rate if your account is not current (r.e, restricted, past due or in collections) at the time a check is processed. (S) Will be returned unpaid and you may be assessed a Returned Check Fee U the credit is unavailable or your account is not current as stated. (6) Cannot be used as a payment on any Capitol One account (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. (g) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain In full force and effect. Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account Is delinquent, charged-off, bankrupt, lost/stolen or closed; our fraud system prevents the offer fulfillment; your account is overiimib or a term of your account relevant to the offer, such as credit One, APR, or spedal transfer rate, has changed since we mailed the offer. C 20" C-00One Sella; W. Capol One n a hdenly nganred,arre mask AP,0es rese ed m O i m w m m ?D O O m< D O W O n 0 T A w m O l; 0 0 0 O a w m R 90 mz y<a 0 T H pp0 P 1? y 1 19 7 w_ 2 Q S H 0 r H m C rz A '00 A = N a A f s e 0 col O 2 M z O O m x T z a O 7 I m M m z O 9 a m 9 m 8027442 200474 Lock into a low FIXED rate and guaranteed FIXED monthly payments. EXAMPLE': Based on a Home Loan with a FIXED APR ?f you borrow $61,270 if you borrow $107,295 If you borrow $203,280 Your FIXED monthly Your FIXED monthly Your FIXED monthly payment will be $397 payment will be $673 payment will be $7,256 t tPoa^ Ml . your Ian wow an wry bind a yar Spook rNwlat. Ibsopk o0w Afaew are hued ao a lrcd aooad pnomtyt ire, WMI111 (73% AM for $61,270 Won aaoar, fi.43% AIR for $107.795 Im wow and 6.311% AN for $203,214lou ontoatt. Tbn teed maby plaoa an for utbry yeas rd ragnYe it pod vcJM blm0 ua N0%aanpYKd loon.w"lae ralo, to dome a A% rAnoo t a pry a(aaYnt deft auy atead de era d dm debt, r ?wql WtYv owall aat, and iscroo t rk and aoawt pdd 4411 cointo d 10your , - sbaaloa. CRW Home Loans Refinance with Capital One: Lock in a FIXED Rate that Works to Your Best Interest JESSICA D MILLER, You already know Capital One" as a great credit card company. But did you know we also offer home loans? Apply for your Capital One home loan, and upon approval, use it for just about anything ... make home improvements, consolidate high-interest debt, cover educational expenses or have money on hand for unexpected expenses. Or if you currently have an adjustable rate mortgage, you can refinance to a low fixed rate. it's your equity, and it's your choice of how you use it. Get a great FIXED rate on a loan customized to best fit your needs-from $20,000 to $500,000. And it's easy. Your Personal Home Loan Consultant will explain everything and help you through every step. Call us toll free today at 1-800-760-2607 for your no-obligation consultation. YOUR HOME LOAN SUMMARY Example Loan: Low FIXED Rate Starting At: Example FIXED Monthly Payment: $203,280t 6.28% APR" $1,256' Loan Amounts: Tax Deductible: Personal Home Loan Consultant: $20,000-5500,000 YES idrek wide your I. od.irari YES - Advertised annual percentage rate is effective as of 02/25/2008 and subject to change at any time. APR is based w a good credit history, 5203,280 loan amount. 80% combined loon-to-value ratio and a 30-year fixed-rate first-lien mortgage. Monthly payment for this example is $1,256. Additional terms and restrictions apply. Capital One is an Equal Housing Lender. See reverse for additional important information. 200474 Apply Today For Your No-Hassle Home Loan f a:Na7 eYNr? IV ncxvlw Call toll free 1-800-760-2607 visit capitalonehomeloans.com Mon.-Fri. 8 a.m. to 8 p.m. and Sat. 10 a.m. to 1 p.m. EST Reservation Number: 5048 011013 9914 8027442 Home Equity Loans I Mortgages I Refinancing I Debt Consolidation Q. Q: Is time err oWJpdoa when l cant A: No. When you dl us, you arc under no oblip" whatsoever. During your phone comiersatlon, a Personal Home Lodes Cauukam will simply help you determine the too amount and terms duo beat suit your needs. Then h8 entirely up to you! Q: Why not last we my baak for a home loan? A. Capital One takes the hassles out of the lending process. It's quick and easy and it's pemmitired. You'll have one-on-one attention from the same Personal Home Loan Consultant start to fitdsh. A direct be and email to your Grua Consultant helps you monitor the progm-s of your loan and address any questions you may have along the way. Q: What property types an eligible for a Capital One Nome Loan? A. We offer home bans for single- and mull-family homes, townhouses and condos. At this time, we do not offer home bans for cooperatives, manuhcmred and modular homes, mobile homes and commercial properties. Q: What tlypea of 6aAoft does Capital One Home ism offer?? A. Capita One Home Loans offers a variety of no-hassle home loan products, including first mortgages, refinance and debt consolidation loans, as well as home equity loans and lines of credit. Our team of experienced prokWonals understands your situation is unique, so your loan solution should be too. Q: I currently hoe an ARIL (adlwable rate awtW), Why wonid I wow to re111 , e lo s Azed raft? A. The best reason for rdinsocing to a &W rate is security If you have it variable-noe loan such at an ARM, your rate awl monthly, payment can go up at any time. The security of having a &W rate that ta* the am is priceless. Q: What if I am self-anpbyed or have mifaed a payment? A. Whether you have perked credit, less-titan-perfect creditor have hard-to-prore Income, we will work closely Mill you to try to find a home loan solution that best meets your needs. Q: Can I get a loan with a fixed monthly payment? A. Yes. Capital One Home Loans offers loan options that provide a guaranteed find monthly payment and rate drat will not change for the life of the loan. Q: Does Capital One Rome Loans require a minimum loan amount? k Yes, the minimum ban amount is $10,000. What Information do I aced to have ready when 1 call? Please have the following information available: • Your Reservation Number • The estimated value of your home • The balance of your first mortgage • The balance of any secondary mortgage loans • the amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply tali us toll free 1-800-760-2607 Our Personal Home Loan Consulranrs are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-I p.m. EST. Or visit www.capitalonehomeloans.com Reservation Number: 3M 011013 9914 Here's how simple it is ... 0 ? Apply Get started by calling us toll free, or visiting us online. © ? Get a quick decision You'll know if you've been approved in minutes. Q ? Next-day delivery AN your paperwork is prepared and delivered to your door via next-day air or by email. We've made it simple by highlighting the areas for your signature. ??W Home Loans Rao Reek. vary by pmdoa dea•d and ate nbuia.W. *inr unduwrbina and appal of dr ban. Omar bto-kd for qualified applipnu only. Nut all ban ptodua or tondo art available, in all vats. The actual cledna dtna may vary bawd upon the we, in which thc propmy 4 bested. L.- obi- w credit approval. This don not repteaent an offer to enter into a loan arreement. Rata and tams wbim in chanpr without notics. O IWd (-'Pun OtvSnvitra. Inc (-PWI Oor is - fid -ay t,1-it wrrftr warn. Aa china rwrn d 802 6.28% APR* 500205 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Mortgage, and most of your options will have a similar rate. But here are some of the ways that Capital One Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. call tots free: 1-800-760-2493 or visit www.capitalonehomeloans.com Mon.-Fri. Sarre-4om: Sat. IOam-1 pm EST Reservation Number: 5058 041 1594291 Adven6td x muel tea 6 4k iur Y .1103/241200{ and subject Nf cFwp>: u wy time. APR 'u bawd on mod oath, hinory, $203.280 k" m-. 00%oombi.W ei. • ban-so- slate retie and a Z•• ;Pw fins-Gm magate Mond* payaea ?r this eumpk is 31256. Additional it mad teuriaion apply. r*td Om, u an Fqud Hahne{ Leader. See evnosc fm additonl imprum ink mmio h. LOW" Home Equity Loans I Mortgages I Refinancing I Debt Consolidation L.- FINANCE Pre vious Balance Payments a: Credits Tnwacuona New Balance Minimum Payment Due Date 51,411.13 - $42.00 + $19.34 -1 C513.74 D- 51,402.21 542.00 Jun. 06, 2008 Apr. 12.20011 - May. 12. 2008 Poe t of 1 •`•?• KM an At LWI VMS aafoan Visa PlmAturn Account 4862-3626.7337.3364 Your Account Information TOTAL REVOLVING CREDIT LINE 31,500.00 TOTAL AVAILABILF REVOLVING CREDIT $97.79 CREDIT LINE FOR CASH $1.500.00 AVAILABLE CREDIT FOR CASH 397.79 FinanceCherges p'bueavetesgaetritponaaithstation) BsYnoe alt Periodic Ca mmiani S FINYC E mow in alt APR CKA" Pmchmmm 11,409.67 OAWSW 16.15% $19.34 Caa4 $0.00 0.0472379' 17.24% $0.00 ANNUAL PERCENTAGE RATE app8ad this period: 16.15% M Ytar Service 1300.903.3637 To all 0AWmar Relations or to mpart a loss or atolm cad Payments, Credits i Adjustments 1 OS MAY CAPITAL ONE ONLINE ACN PA AutbDate 05-M AY $42.00- Transactions 2 12 MAY PAYMENT PROTECTION I-888-527.69(X SI3.74 Whadur you're in the MUW for a home equity ben or you re interested in rdisaming, Capial One will find a home Imo 80lu0m to tk)vw aeada. We offs pea seta, an hidden (ees, and you will aceive But otwoa-one akanion of the acme paaaonsl loan coamtalaae hem MR to claw. Visit www.wpitelasdrmdwnxcom for more information.. 0 Std payments W. Capita One Bk(USA),NA C P.O. Box 70884 G Charlotte, NC 28272-0884 Sad haquiria to: Capitsl OneU P.O. Box 30285 O Sak Lake City, UT M 130-0285 ® Have a gmdon about a chase on your statamaB - Phae aefa to Ilse Eft Riga SuaaoaysHrc back ofyo r aamment or vk8 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAFnTALONE.OOM TO MW YOUR PAYMENT ONLMIE. 0 4562362673373364 11 14022100420000,42007 a./!?' I wMYS Myoul waaet7' Account Number. 4862.3626.7331.3364 New Balance Minimum Payment Due Doe 51,402.21 542.00 run. 06, 2008 meASBPAYAT LEAST THIS AMOUNT Amount Ehaebsod Capital Ona Sk IUSA),NA •4158• P.O. Box 70881 Chaxlotta, NC 28212-0854 802744r72""4947- Plaaen PrM Oft- a ptaaa mantis tdara0aa bYOw Lamp bus or black Ink, Addrea Home Phone Altmale Phone E-nail addaea 890134040031340048 MAIL ID NUMBER JESSICA D MILLER 38 PIPELINE RD NENVILLE, PA 11241-9159 •1724197593&{• Please write your account number on your dredc or money order made payable to Capital One Bk(USA).NA and mail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $140 per month! t lower average monthly poyrmm claim bawd on first months payment on narpurd" lam. exclusive or claming emu, that cloud betwan 07101/07 and 11131/107. Actual lower payment may varyc'lihin j out a lame aquiry ban or Lne arcredk may iocre me the cad amoune paid when compared to your current situation. In tome sea, refinancing to pay off existing" may extend the arm or the ". pasibly resulting in higlw overall tow and increasing the total amount paid when compared to your tyrant situation. Offer intended lion qualified applioms only Noe all ban produces or emu are entilable in a0 st*wL *Ilu usual elating time may vary baud upon the scam in which the property is located. loam tobjece to credit apptonL 11 hk don not represent an offer to enter into a ban agremm. Rases and terms mbjat to change with" notice. crc od uram ,dC+d br Gpiul Onto Hamr laaar, l./L 0 70081Cp Ad Ow. Gpinrf One it a JF1rmNr n=irumJurvirc mad. A# nlhn rnnwl Home Equity Loans i Mortgages I Refinancing I Debt Consolidation 001 I' t. /lmw sat Mall • Panacea Clew. D a.ermea Perlaa. Yes vmat Mmes amilemrmamat paoad isrto nYoarwaadhuwon mrpdiwa. scar ytorratmmnafata, rstr aaathwaasamNnraroYhst d+naa Ytou Yamatdd .n,e'a Nliaw4r ww?YwawYr'"?r'?'Do-. dataq oaY. Tharp r w ? Parlay a orn?.+orays q MacYyou dome ApayhW -Now w? astroa 6 PMafirNgt Tnriaaatah..wah.rnnot wpsd Y Y VYaa OatYY N asaaaw?rnoa dw9a 1) atom htYYdh aaameaYa a gYwhar h bantaa7un r arammsaa0 Y Iona n1oaNM es 71 oars h arslatymr.reayaihaaaattaMarra. adstYstmdN. YranYph7amr 7arrra• hpnovlaua PuIMinN1, 6untaa owwa woo user aeaw r tw recall yantawo VA WMaoY In Fi 77Y urnYmM tennmer oN MaroodrnYOa? meahY yamwyhWAeONr aft- Wudaa m M weimadoowbrtoo~Pm„i1aa?wmM L"M InnoeMr dn7me tow ~ Y we a7atlMa atwoat of your Imua i Dos red rmp//rmormeaMeadtWawoum ?DM??MwpONaq pdacaar men au f W?aDegn Aai. MrIPM nowM?D 2M Comm 0. TC-W O10Mem - l -04MON7 YyuruMmsea mass yes real Y an all M moose to fruaataaa an of h 0uaarsaa try vm no" A. pmemaaa (1) fore cram M eoaam prYndthee So~ and Peat dhaat In do W400 mmWaa-,We* was 171 ywe PV' -d r mamma In can arooamea'i ewaw ramo,r. walrhrb rameMaa M m m aq ehrroYen or N 61`3 Pan R (Ito -rry Fb-Wb-d W M Ommmmnmq. rr a." coq dinar lammayndtmudbadmedhasrwroatha Yharn Oa0lraYna time ors Mader Yaoh91 Solta r. anntluavq mhaaaaya. f4mea ere nom W Naalme, aapatdlp, tor. Won ¦saarsV femxwMhhsta. 8027442 _DomendgWrrear anarnstvaaaaaamaotowm I JESSICA D WRIER 36 PIPELINE RD NEWVILLE, PA 17241-9759 Dote 200494 12759 68.7270/2560 40603-01 Pay to ON order of JESSICA D MILLER Donors - Pmrhase check Richmond, VA Memo Signature /12759/+256072701.7502673373364/ just write a Capital One" Dem)ESSICA D MILLER. Purchase Check! You have things to do. And now you have an easy, convenient financial-tool to help • you get them done-'Capital one Purchase Checks' Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction feel things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check, They're especially handy when credit cards aren't accepted. Q Use these Checks with confidence You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to So Fraud liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest-rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could oily less interest. Treat yourself You've got things to do...get them done with these Purchase Checksl to a night out Thank you for your time, l Consolidate your bills ? ?9,10Aoµ P. Taylor Jamison Get cash for things you Director of Accounts want and need f? S. You can use Purchase Checks just about anywherel Pleasg remember to use them by July 31, 20011. Want to transfer a balance now? Coll 1-800-955-7070 or go online to httes //tinnsferWiences.woltabne.com/offers. *Please see the reverse for Important Information about using these checks. 40603 700494 JESSICA D MILLER 12760 38 PIPELINE RD Dote 68.727012560 NEWVILLE, PA 17241.9759 use by July 31, 2008 40603-0I Pay to the order of S Dollars Richmond, VA Memo signature 8027442 Use by July 31, 2008 5 C? /12760/'256072701.7502673373364/ O ? = m a m? a ? H ? s o r_0 m r ? ! r? C n n z m Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit Is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You ran use them for almost anything-whether you're shopping for new clothes, enjoying meals out or just Q: What APR will apply when 1 use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, ovedimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported lost/stolen, our fraud system prevents the offer fulfillment, or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terns and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May not quali- fy for reward programs 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be retumed unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. B) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $O fraud liability claims are subject to verification and investigation. O 2008 Capital One Services. Inc. Capital One is a federaNy registered service mark. AN rights reserved. fi o z N M m 3 m 7? e =e 0 a cr v uz s ? ? o Gt t m 8027442 1 1 ii 6.15% APR* 500205 (We printed this big because we know It matters to you.) APR is obviously a very important factor when looking for a Fixed-Nate Mortgage. And here are some of the ways that Capital Onea Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • Personalized Loan Consultant from start to finish No Hassles from Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2607 or visit www.capitalonehomeloans.com Mon: hi. tam-fpm: sat, loam-ten EST Reservation NUrrl6lr:SW 04l1fA62t1 Atlveeried unuid pnanu{r rue's eEcai.c er of 002arm end ?e b 117 at .7 dmc. MR u boW on food aetit hiss y. 5203.280 I- --ift 30%a kind e lots,-o-wlue ado rW .34Znr R.eM1aa fw-Fm MootIJ2 pymcm rot d,u aunpk u S 1.239. Ad&ti rW amts aid.6c iom apply. !?s?rt???? (-+pinl (htc u an Equ.l (•'lcuat%law4r. Sec tcvaec 6orri nionsl _Pn•m irfi. int. I.EPrDEX Home Equity Loans I Mortgages I Refinancing I Debt Consolidation R.m. rpm FINANCE Pre visa Balance Paysumt; k Credits $1,402.21 518.60 May. 13, 2008 - Jun. 11, 2008 Page 1 of 1 Vim Platimst Aceount 4962-3626.7337.3364 Your Account Inronnticn TOTAL REVOLVING CREDIT LINE $1,500.00 TOTAL AVAILABLE REVOLVING CREDIT 5107.64 CREDIT LINE FOR CASH 51400.00 AVAILABLE CREDIT FOR CASH 1.107154 Fine see Cbar`es (Plane sae mane Airlmptaara inbunda) Bloce all Pn%b& OwasIording FINANCE appbdo bra APR CHMM Purchases $1,401.42 0.04425W 16.15% $18.60 Cash $0.00 0.04723W 17.24% 50.00 ANNUAL PERCENTAGE RATE applied We period; 16.15% At Your Service 1-900,403.3637 ® To a0 Customer Relations or to report a bat or stolen card Transactions New Balutcc Minimum Paymcm Due Data *\ 51165 J?C1,392.46 $41.00 Ju1.07,2008 I. PJAY WV taut ON AbluxT Payments. Credits A Adietments I 05 JUN CAPITAL ONE ONLINE ACH PA AwkDate 054 UN $42.00- Transactions 2 11 JUN PAYMENT PROTECTION 1-989-527-6904 $13.65 Whether youW in the sea" for a home equity lom or youW issura" in rdintKint, CV W On will rod a burro ions solution to tin your abode. We offer pat rate, no hWdm hers, and you wig ra eve the ante-on-ow aeration of Ilb same Personal ban consultant Aran all o close. Visit www.apiuilorwhomdmns.eom for mac infombtioa ® CSaid apital One &t(Ulot SAINA 0 P.O. Box 70894 L' Chmlab, INC 29272-0994 Send Inquiries to: Capita OmO P.O. Box 30295 0 Salt Lake City, UT 94130-0295 ® New a question about a charge on your statement? Pion bEr o she Bice Rom Sum myron she bade ofyo r smtanentorvi9 +?? PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WW W.CMITALONE.COM TO MACE YOUR PAYIAENT ONLINE. 0 49623626733733M II 1392460042000D41001 cmaworle I a.4,.Ce in pus w.lnti' Aaotml Number: 4962.3626.7337.3364 New Balance Minimum Paymmt Due Date Pone print a0beee or prone number Chinese b00W.brae Gus or We& bk. 51,392.46 541 00 Jul 07 2008 Address . . , PLEASE PAYAT LEAST tome Pboro ANanste Ph THIS AMOUNT mc E-mail Wdres; Amount Emi-A e90164040031340019 MAIL ID NUMBER JESSICA D MILLER Capital One BkiUSAI,NA 54 t9v 36 PIPELINE RD - NFWVILLE, PA 17241-9759 1 P.O. a" 70001 Charlotte!, NC 26272-0964 -172419759364- 8027442"27"'""" Please write your account number on your check or money order made pay" to Capital One Bk(USA),NA and maN with this coupon in the enclosed envek". Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $175 per month' • Lower average rmdy payinew claim bared on got MOWS Payment M ran-Purchase loans. aachWw of dosing salts. dot closed between Iotol/2007 and 03131/2008. Aesual lower Payment mry -)I Refman°"6 so Pay off eaining"soy tnoW the term of the dcbl, possibly resulting in higher overall cents and increasing the total amount paid when compared in Your current situation. Offer intended for gtel" appliance only. Not all Insist products or arms tae available in as antes The actual doing rimes mey vary limed upon the scan in which the property u located. Loans subjm to credit approval. This does not reprexnt an offer to enter into a boo altmemeni. Rain and terms subject to change without notice. !,.darn s.dsrmcn df and by Gpnf O.r Nair Low, LLC. V JM Cyi«! our. a pn! Onr u r/Nrn0y wxiuerr/ urrrre a.rd. 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W Wow •op «. tasndbl haagb wuN.y. aaluMa bdla.p FI.r.M allw ardr, per cap . ale Why erpaa yrprpr.. 8027442 JESSICA D MILLER 38 PIPELINE RD NEWVILLE, PA 17241-9759 Pay 6o the order M JESSICA D MILLER We 200494 12761 Use by August 31, 2008 68,727012560 4060)-01 Dollars Purclrte Check Richmond, VA Memo Signature /12761/*256072701*7502673373364/ just write a Capital Onem Purchase Check! One simple solution for the things you want to do... 0 Tackle home projects Buy a gift for that someone special Treat yourself to a night out Consolidate your bills Get cash for things you want and need JESSICA D MILLER 38 PIPELINE RD NEWVILLE, PA 17241.9759 Eby to the order or I C_W Richmond, VA Memo 8027442 Dar JESSICA D MILLER, You have things to do. And now you have an easy, convenient financial tool to help you get them done-Capital One Purchase Checks.* Better yet, they give you access to your existing Capital One account and come with the same rate you pay for purchases made with your credit card. Plus, there's no transaction feel Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 fraud Liability, you won't pay a cent if your checks are used without your authorization. Save time and money. Use your Purchase Checks to transfer higher-interest-rate credit card and loan balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. You've got things to do...get them done with these Purchase Checks! Thank you for your time, 0 ?* ou ?"'^?r"^`' SI ON P. Taylor Jamison Director of Accounts P.S. You can use Purchase Checks just about anywhere! Please remember to use them by Augmt 31, 2008. Want to transfer a balance now? Coll 1-800-955.7070 or go online to httns://transferbatances caoltobne Dom/ofhrs. *Please see the reverse for Important Information about using these checks. Date Purrlmee Chedr Use by August31, 2008 40603 200494 12762 68.7270/256o 40603-01 SO Dollar Signature /12762/*256072701*7502673373364/ M mO D M m 9 O A 7 O p? Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: what can I use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out or just Q: What APR will apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: Where are then checks accepted? Q. What Is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported losystolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line. APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May not quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) !s(ate) returned unpaid. $O fraud liability claims are subject to verification and investigation. O 2008 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. r'rl O try O 9 O rrr M Op a? ? v O T a 1 N ? O 2 = w? F 8027$42 ? 6.02% APR* 500205 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Flxed-Rate Mortgage. And here are some of the ways that Capital One" Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • Personalized Loan Consultant from start to finish No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call ton free: 1-800-7W2493 or visit www.capitalonehomeloans.com Mon.-Fri. Bam4pm; Set. 1Dam-1 pm EST Reservation Number: $078 041 189 5582 Adradmd am-W poommag; net's dfetdse ar urOS/19/200t and r•blstt a ar arty time. APR Is baredn peal Q"t history. S3W.496I n m«xma, 80%oarSiewd • loew-A c mo sod a 30•yerr 6aeLrnc6m-loco maregrge. Monthly psymrn Fat" asmple is $1.805. A"donal umu snd reminions apply. . Gpi"I Onc k an Fyud Hnuring Lead.. Set namo fo wl tmpma,t mfarna,6n. r?r?e ^it?re LENDER Home Loans i Mortgages I Refinancing I Debt Consolidation m,,,a FINANCE Pre via" Bataaoc Payments • Credit, CKAgG Tranwctions Now Balance Miaitmrm Payr. Due Dale 51,392.46 - 541.00 + L518.22 + 513.55 SI,383.23 f41.00 Aug. 05, 2008 JWL 12. am - Jul, 11, 2008 Pape 7 of t KM r" err UW n. AMMAff Visa Platinum Amount 4862.3626-7337.3364 Your Account Informsdon TOTAL REVOLVING CREDIT LINE 511600.00 TOTAL AVAILABLE REVOLVING CREDIT $118.77 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $118.77 LFinanceChorges Plout son revaree 6ri66"MNR) e.re put Otararpooft FKVCE bd b cote APR CHARGE 94.45 0.04356-0 15.90% 318.22 $O.OD 0.046S5lP 16.99% $0. TAGE RATE applied this Period: 15.90% 921 At YourSavicel-800.903.3637 To call Cuatarmr Relation or to report a lost or Sohn card Payments. Credits a Adiuslments 1 07 lJL CAPITAL ONE ONLINE ACH PA AuthDau 07,1 UL $41.0D- Traanotions 2 I I JUL PAYMENT PROTECTION 1.8118-5274904 $13.55 Whether you're in the market for a boom equity loan or you're inaeraad in renasocing, Capital Do will rod a horns loan solution to fit your mm & We afro pat raom no hidden ran, and you will receive she oae-m-are attention or the am personal men comsolwa Ben a0 to come. Vkh www.upiWmeha mbar. mom (a more information. - ® Sood payments b: Capiol One Bk(USA),NA 0 P.O. Box 70841 0 ChWonc, NC 28272-OU4 ® Send btquiries to: Capital OneO P.O. Box 30285 r Salt Lake Cry, UT 94130.0285 ® Have a gw-6on about a charge on)- sokmene Pbase rebroo the Mi* Rhea; Sum.ryw the back ofyar s.mrntmavel? PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAP(TALOeE.COM TO MAKE YOUR PAYMENT ONLINE. /??,.y 0 4162362673373364 11 1383230041000041000 Cw d0w I whir, in your -W?- AccountNumber. 1162-3626.7371-3361 New Balance Mininaoo Paymart Due Date 51,383.23 541,00 Aug. 05, 2008 PLEASE PAYAT LEAST TN/S AMOUNT Amount Enclosed Capital One Bk(USA1,NA +4218* P.O. Bon 70881 Charlotte, NC 211272-06114 8027441282720884847* Pteaae prim ad.aw a poem numbs etmr0aa baton using bkm or black Ink. Home Phone Almmeto Phone &mail address MI 94040031340M MAIL to NUMBER JESSICA D MILLER 38 PIPELINE RD NEBVILLE, PA 17241-9159 *172419759384* Please Write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail With this coupon In the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. our customers lower their payments an average of over $175 per month` • Lower awraSe monthly payment claim bawd on fiat mapthi payment on ron-Pub low. eadusivc of dosing nets" chat dosed between 1010112007 and 03)3112008. Actual lower payment may vary. RerinancinS to pay off existing debt may amend the term of the debt. possibly rauhing in higher mall costs and increasing the tool amount paid when compared to your current situation. Offer intended for qualified appliance only. Nor all loss products or arms are available in all mum The actual closi%times may tour lamed upon the sate in which the property is bated. loam subject to credit approval. This dace nor tr i rae.. an offer to e mer into a ban agreement. Rates and tetras subject to change without notice. Aadrrp eadmawm ag%rnd ky G , d Oar Haar Lassa U.C. O 2WO Cyirl One. 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Papa mwoMadby maryewrbdmarw a" der low toy was be waded or d w d.y» Gab Nra OW OWNwas dpw are rater "veto $*^". WA." hAd ys- Ptar. a rte ms mmtsa. Paper Capt..r. ~ RwPtap roc p.rtrd. 8027442 JESSICA D MILLER 200494 38 PIPELINE RD Dore NEWVILLE, PA 17241.9759 1,2763 Use by SVNrnber 30.2008 68.7270/256o 40603-01 Pay to dN order of J88SICA D MILLER vnrn $ U Purchose theca CRW Rldunond, VA Memo Dollars /127631*25607270107502673373364/ just write a Capital One® Dar JESSICA D MILLER, P h Ch k! You have things to do. And now you have an easy, convenient financial toot to help urc ase ec you get them done-Capital one Purchase Checks.' Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction feel things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 Fraud Liability, you wont pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest-late credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less Interest. Treat yourself You've got things to do...get them done with these Purchase Checks! to a night out Thank you for your time, 1?' Qto" Consolidate your bills S?at P. Taylor Jamison Get cash for things you Director of Accounts want and need P.5. You can use Purchase Checks just about anywhere! Please remember to use them by Septanbet30,2008. Want to transfer a balance nowt Coll 3-800-955-7070 or go online to ftMff //hnnsJ!atratanas.capkakne.rnm JS 'Please see the reverse for Important information about using these checks. 49603 200414 JESSICA D MILLER 38 PIPELINE RD 12761 NEWVILLE, PA 17241-9759 Dare 68.72791200 Use by saplmrber 30.2008 40603.01 Pay to the order of SC? Dollars wrrame araalr i-,Rk..hsT,dmoned,, VA - 8027442 Signature /12764/0256072701*7502673373364/ ?i m m e? T Got questions? Q: Is there a transaction fee for using the enclosed checks? A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Capital One account. Q: What APR will apply when I use these checks? A: You will receive the same APR you currently enjoy on purchases made with your credit card. It's really pretty straightforward. We've got answers a O Z At4 m t or D ? T s 0 Cc 'C m allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. Q: What can I use these checks for? A: You can use them for almost anything--whether you're shopping for new clothes, enjoying meals out or just want to have cash on hand. Another way to use your checks is to consolidate debt from other credit cards and loans (except Capital One accounts). Q: Where are these checks accepted? Q. What Is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "avallable credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. N so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, ovedimit. charged-off, or closed; you have filed for bankruptcy, your card has been reported low'stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: t) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights summary on the back of your periodic statement for more information. 2) May not quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. ?) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. O 2008 Capital One Services. Inc. Capital One is a federally regismed service mark. WI rights reserved. m g ?" ?a o m ? a 0 P ? fe ° 8027442 1 1 A 6m65% APR* 500105 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Mortgage. And here are some of the ways that Capital One' Home Loans takes out the hassle: • Customized loan amounts up to $1,000,000 • Guaranteed FIXED payments • Personalized Loan Consultant from start to finish No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2607 or visit www.capitalonehomeloans.com Mon.-Fri. 8am-Bpm; Sat. 1 Oam-1 pm EST 5088 041 183 4327 Reservation Number. Ad,<,LLtd uwv?l pean2WLte rue u etlauee u.106/2,312WS u,d ,bj i w dw%e a any 6.,.. ALIK b lreol uu Buwl credit Li,t.n. 5300:196 4 u, auww2 80WO wn2Liua luurwreluc iauu and a 30-,w tied-wu ilm-Tna nwrL 100d1Iy Pxymcm I.n J113 u 211& a 51,929-Uditi.id .rob wId ,u ilium apoy. ??''(?? 121 1 Raalatatra (•api,al One iv an F roar Hrnaing 1 rndcr.Sm nw•ra• }iv ad2firional imlxmanr inlnrmarem. . -wa-il '.. LENDER Home Loans I Mortgages I Refinancing I Debt Consolidation 7?H-loan. FINANCE Previous Bawm Payments 6 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,383.23 - $41.00 + $18.68 + $13.47 = $1,374.38 $41.00 Sep. 05, 2008 Jul.12, 2008 - Aug. 11, 2008 Page 1 of 1 Visa Pkdnum Account 4W2-X2$-7337-338{ Your Account Information TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $125.62 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $125.62 - RtOM PAY AT LEAST nes UAWM Payments- Credits & Adlustmalts 1 05AL G CAPITAL ONE MUJEACH PA Au#Crk O5A UG $41.00- Transactions 2 11 AUG PAYMENT PROTECTUI 1419I8b27•EW4 $13.47 Finance Charges (Please see reverse foropwila t iibramtbn) Balance rak Periods Co respor)31g FINANCE applied b raie APR CHARGE Purchases S1,3 M 0.093 M P 15.90% $18.68 Cash $OX 0.048536 P 16.9996 $0.00 ,ANNUAL PE RCENrAGE RITE applied this period: IS80% At YO rSavka - to beerc®dmbw= to r amila)mrwn A or Cat 1e D-W31WbrLWabetoraolmwdw".kb0,. nd111oa ® Pay Onftdwat ormdlyvLrpelphatb: Qp ZBrie(L",N.A. -P.O.9.70881.O bt*.NC A liond k gwdw to; CAPMIke-P.O.Boor3M-SatLake City. UT8423 M ® Nave a quation about a dwp on your shbomV Please refer b the BrAM P#ft Summary on the bads of your staternent or vW vrewp%mWI=.LAmydisurtes PLEASE RETURN PORTION BELOW W 1TH PAYMENT OR LOG ON TO W WW.CAPWAtDNE.COM TO MAKE YOUR PAYMENT ONuNE. 0 4862362673373364 11 1374380041000041004 ome" -r0. yn -ML&tr Account Number. 4862-3626.7337-3364 New Balance Minimum Payment Due Date $1,374.38 $41.00 Sep- 05, 2008 PLEASE PAY AT LEAST TWAMOUNT Amount Endosed $027442 P.OO. Boxe 70664nk (USA), N.A. I 4•4L Charlotte, NC 26272-06a4 1114 1111111,1-11111 11111111111111 1111, 111111-11+111 II91gl-11 Please print address or phone number changes below u*g Wue or black irk, #9022504003134000# MAIL ID NUMBER JESSICA D MILLER 36 PIPELINE RD NEYVILLE. PA 1724E-9751 "'11-Jill. 11.11111111'1' 11'11'1111Ill.. 111111'11-1'1' 11-11111ll l Please write your amount number on your payment made payable to Capital One Bank (USA), N A. and mail with this coupon in the endosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $250 per month' V Loan ....gc uroudily pay -w dais. hued on Li- nouX, pal?wns on non-Putdrasr lours. tulusivc u: dusistg costs. tau dosed bawmu 1110112007 and 01!30!2008. Aenial Inwr payment mn? vary. Refinancing rn payoff csiv,ng debt mar extend he rtrm of the debt, pov ihly rewriting in higher r=etail mere and increasing The rural amrnmr paid »Iseu sump areal to your current situation. Offir intended fir quAilied applie:rnn nmly. Kor all Iran pmduta ur rc ms an: availahle in all sent. The auu:d t1-ine rime may vary halted u(am the: snot in whi& the pnrpcrry is located. Loans subject to credit approval. 111is does not mptesent an offer to enter into a loan agrecment. Products, rates and tams subiw to chalage without notice. /'ra/vtrr ,mil mvirrs afjrrd 1'r Gtpite( One /Bone Loans. LX. 0 2008 01141 al One. Calrpawl One is a ftelenl}y reriuered sterna marl. All ri4Gu mrnrA Home Loaris I Mortgages I Refinancing I Debt Consolidation 1102 It 1. HOW to Aewld a Finance, Chile. t(waw p obeL You ww tatty a mhinvurngrace, P'KIOCI Of 25dys WOWrk--nedo onrrwpnon.rest' brow teeters, tow Ripsaw Pum- and tow. drier dagw I YOU payyarkdal NOW Bdorae', n atcwftm vim Do brpomv Pilo" For ptyhets bMar, Dal in rtwsor It to beelwried by your pant due (Ift Thom Is dyaw WW an wet edvrrems tai spatlal twolwo. In adrdbn. two N to yaw pwbd al W barwrfin ryou do not ply use awl 'sew 8alrce." b. MoruYSg Firestone Chww. Tremaewns ettch are, ret Subject to a Won (eabd wasswsed fiwast drew 1) 11ont tne deem atbaaarrawt or 2) tom the date atom Iwrarlbn to prowesed to your Acamt or 3) flan tie ache ode, ary of ft current berg postal AWKIDn ely, tyou did not pt' fo'Nw Balance' aamtw Pismo WAV prod in his,I -ton- 0&'W cortktke b Wallis to your rwpaaw - - WO the wpakd blWm IF Paid In full. 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Marlrala miwrwtP?C ??Pai*es?tYVisiksd earl (()poargww by3pnLEr(l2n nM PkmdmtbMlm(rbMwrdysfrpmWddwY.P4 se ,edlruetrydriamrakr ry afnrFrr w/dWvgdwdfwdywsnoil ft&Oirbde,wdgs"M W mMS&f*.rdith**m RwssGdurtWNaptPSrtaa ta. rtntPtpedV Yarprmat 8027442 SOOJ(N3 .?,?rF)^yourwx'eV It could happen to anyone. Make sure you pay the amount JESSICA D MILLER due on your statement as soon as possible. wHOOps! Keeping„your credit in good standing can & a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES You're behind. BETTER INTEREST RATES b (good credit could mean lower interest rates) y I payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new cart C 29Y)X f;opNal On1. vmir.zr, Inc 61piral On1. it a fi4.•ra/ly rryiaim. d remicr mark. All rigbu rr. r ved. FINANCE Previous Balance Payments 6 Cronus a LARGE Transactions Nev Blum IAirimtm Payment Due Date $1,374.38 - $0.00 t $18.80 + $53.17 - $1,446.35 $84.00 Oct. 06, 2006 Aug. 12, 2008 -Sep. 11, 2008 Page 1 of 1 ?'• Vlsa Pi Mmnn Account 4B62.ODabM-M Your Account Information TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $63.65 CREDIT UNE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $53.65 KEk%PAY AT LEM TM AMWW You're bdvnd by orepaymerrt. Rernember that paying the mrmw peyrnent by the de &ie keeps your account current. So make sure you send in DTe rnhirn rn payment to keep your awount current. °knpxIart NObm- Your sumurd was past due. Lkder de terms we R wirx * disclosed b you. Iyour accosts past due agar in the next 12 billing cycles, your Mrnel Percentage Rates (APRs) may kcreese. Pa>jm ent% Credits 8 Adluatrnerb rrarlslDCtiolls 1 05W PAST DUE FEE $39.00 2 11W PAYMENT PROTECTION 1-8BB52T-M $14.17 You were assassad a past due be because your miinm parmaat was not received by dw de elate. To amid tis lea h to RAre, we moarrmend eat you abw at least T b sinew days for yar minima payment breach Caplan Ona. Finance Charges (Pwm sae rumve for irporla t Horrrration) Balence rate Pw o* Cormvwdrg FINANCE applied b rate APR 42iM1M0E Purchases $1,38221 0.00in P 15.90% slam Cash $0.00 0.04655% P 1699% $000 ANMML PBtCFMAOE RATE appaed ati perbd 158D96 At YawSmvke-Lbb ~zadmigns bmaag.ya vzcut. ® orCd l4 49D3,Wtbrepaiabetonbhncrdoropeakbf Mxw 181obae Pry online atimw ormalpr papmrt b: CYptd,Z Bete (L", NA • P.O. B. ON - aerblb, NC Send Inqublesto: OwN Ow P.O. Bm 30285- Sol Wo Oly, UT 84130= ® five a gLostion about a rJtarge on your sattionwO Please refer to the BiNtg Rghts Summary on ft back of your statement or visA PLEASE RETURN PORTION BELOW VVOH PAYMENT OR LOG ON To VWMCAPKALOW.COM TO MAKE YOUR PAYMENT ONLINE. ?+'? ,?? J 0 4862362673373364 11 1446350041D00084009 ?.wp.?mOfLCI whars in ynur walktY. Account Number. 4862-3626-7337-3364 New Balance Minimum Payment Due Date $1,446.35 $84.00 Oct. 06, 2008 . PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed 8027442 PspDitBoxe 70664nk (USA), X•A• V`I'!'f Chacjotta, NC 26272-0664 111111111111dI111111.1111111111111111111111191.1.11111.11111. 11 Please print address or phone mimbetdwges below using blue or black Ink. ho" PT1wy AlrMVtB A'UM f1war7adaFor R90256D4003134005# MAIL ID NUMBER JESSICA D BILLER 36 PIPELINE RD NEWILLE, PA 17241-1751 11111111.111111.1..1ruullh11.11.1prp11161grru1.111•lurl Please write your amount number on your payment made payable to Capital One Bank (I%, NA and mad with this coupon in the enclosed erwelope. 1. How W AvoM a Fawta Gwyn. acwate Pwbd. You wM humo a mk*Mrhpaa PWW OF 25 ows wbW fkw m drys m rww pudmw raw bebrsaa tames, rwwspww puwtwwr wW new cvwdwlywkycupwymraw Nwu BaM W.h mow uwmwm M hpw wM Noun for pymwis b&W, meldbwofrk b bt CM®sC by yW Pymwt dW dla T m b w pace pwbdcn ash dvarbrs ad apadu bwwbm ln sddkon," M b noyaa pwW m W Vw w tian r you 0o riel pry 0wbw1 14M Bdwm?* b. Aowrap ROAM Chrpe. 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CWHa CI Previous Balance Parients & Credits FINANCE Traneaions New8Ye MnWnmPayat Due Date $1,446.35 - $84.00 + $18.06 + $13.66 - $1,394.07 $41.00 Nov. 05, 2008 Sep. 12.2008 - Oct. 11, 2009 Page 1 of 1 Ylsa Pladran A mound 416Z.762L733 -W Your Account Infonnadon TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $105.03 CREDIT LINE FOR CASH 51,50100 AVAILABLE CREDIT FOR CASH $105.03 Finance Matp85 (Please sea reverse tar impormrtt inbrmatnn) Balancerats Pbrmb Oormsponft FINANCE Wpfedb ralle APR CHAIM Purtieses S1,3B2.32 OM3M P 1UD% $16.06 Cash $O.DD 0.04665% P 16.99% $0.00 ANNML PEItCENTAt3E RATE opplbd alb pwioIt 1580% AtYourSwvim-t3,b mbrlweryxraxort or Cat 14M8WJW b report a betoreblm ardor pelt b Cuaarer reldow ® Payy6nW*atmw, lBIDorfrv0WpWvwt b: =ro8rt(AA)' NA -P.O. Ba71E• Owblb,NC O send IntILMbe tor: C PWI Orv P.O. Burt 30285 -Sd Ldte Oly. OF 841300285 ® Hm a quadDri about a dwrga on your slabno ll7 PW m vela b file Bifng Rob Summary on the badt of your stalarlent or visit wwwjavbbnecoTAbPAas PPoymb, 3 AdS Add 1 16 SEP CAPITAL. ONE allE ACH PA AuhDale 156 EP $84.OD- TransacUm 2 11 OCT PAYMENT PROTECTION 11 274W4 $13.66 Are you nlerested in mlin aV your cwertt mat9o>le7 Cq*d Onscan help We dW pW rates, no hidden lees, and you will ramie the a*anore analtion of the same persorel loan consular from ad to dose. Visit www.cqAdxwhmeWm.com for more rlonnat m. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.(APIrALONE.Q0M TO MAKE YOUR PAYMENT ONLINE. 1 4862362673373364 11 1394070084000041005 Ca??ait.(1 - Account Number. 4862-3626-7337-3364 Due Date New Balance Minimum Payment Amount Endosed NOV. O5, 2008 $1,394.07 E$41.00 PLEASE PAYAT LEAST THLSAMOUNT t/9028604003134002N JESSICA D MILLER 36 PIPELINE RD 8027YY" 2 NEWILLE, PA 17241-9759 hlllul.,I?ItIPI-Prl-h?mll•?•?•tllr•gll•?pltp?ldl•r?l Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 8 Pay orline 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.capitalonexom. Capital One Bank (USA), N.A. P.O* Box 71063 Charlotte, NC 26272-1063 glrN••1^?hllh?lll?llldln..i,i.lrlq-I,rdH4?lltrlrlhl Please make dtedcs payable to Capital One Bank (USA), NA. and nail with this ooupon in the endosed enveklpe. 002 11 1. How to Mod a FYrnw Chap. a.Oraea Period You wa hve a matt WMWaa Pwbd Of 25dlya WOW 1601 1 - nrew Pdtlree.rW bstnoetanrws. n w spsdd pulehomm and new otrr dwgw r you pgyortoW Nsm armour. n Wardrwwhn ire it PWw Hods for psymuft bebw. and In lhrbrrbba aedbd wyourpW-t duo dab. Than Is noWoot pariah own advwca and spout darwam in adAb". get b no grace Perm on any Irm"Woon ryou do not pq ne WIN '"m aahww." b. Aanip FYwnce Chap. 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You ad er rtrla all w u ma . mmtqu pay d arewle you am us on to axoet*MR covered dartrerad Wrrwt br b the of p erorpertwt or y or a location rWrt of puaras ray %** dwpd Mryouraeoou t b Clow or _ r to s peers".) Pima IwwnWr to dpr ed ecnasponderWa. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your 0461 statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. 0 • Last but not least. be sure to write your 16-digit account number on your check. 200564 41 U80 Customer Agreement. N41K All other account terms and conditions remain the same. Please retain this notification for your records. JESSICA D MILLER important notification ? of The a changes detailed change in this in notification terms to amend your your account Your Minimum Payment Calculation The following change will take effect starting with your December 2008 billing period: If your new statement balance is $15 or less, your minimum payment will be equal to your balance. Otherwise, we calculate your minimum payment by adding any past due amount to the greater of: • $15; OR • The total of 1% of your new statement balance, plus new interest (periodic finance charges), plus new late payment fees. This minimum payment will be required for every statement with a balance, even if you paid more than the minimum payment or made multiple payments in a previous billing period. Please note that this change in how your minimum payment is calculated could result in a higher minimum payment than you're currently paying. For example, if you pay late or have missed a payment, it's likely that your minimum payment will increase. A The above policy change is required by federal banking regulators and cannot be declined. ? You have the right to decline the hollowing fee change (please seethe back for details). V Your Fees The following change will affect fees billed to your account after January 25, 2009: Gash Advance fee 3% of your cash advance amount or $10, whichever is greater. 200564 see reverse for more information, including how. to decline changes to the fees on your account. )000. Please note: You are not eligible to decline changes to your minimum payment cakelation. 8027442 if you decide not to accept these terms You can choose to decline the changes to your fees and close your account. To decline the fee changes, call our automated system at 1-800-226-4119 by 8:00 p.m. ET, December 14, 2008. Please have the following information available when you call: your account number, this notification, plus the last four digits of your social security number. 8027442 If you decline, we will close your account on January 25, 2009. After that date, you: • Will not be able to use your card • Must cancel any scheduled payments you have set up for automatic billing • Will forfeit any rewards you have accumulated, so please be sure to redeem them before January 25, 2009. If you decline, you will be able to pay down your balance at your existing terms. Please keep in mind that any transactions you make prior to January 25, 2009 will still post to your account. We will consider your account paid in full as soon as you receive a statement that shows a $0 balance and no pending transactions. For the hearing im aired: Telecommunication Device for the Deaf (TDD) To access our TDD line, please dial 1-800-206-7986. Please have your account number, this notification, plus the last four digits of your social security number available when you call. Please send questions or concerns related to this change to: Capital One Bank (USA), N.A. P.O. Box 30285 Salt Lake City, UT 84130-0285 We cannot process your payment, nor can we process your request to decline these changes if mailed to this address. Our federal banking regulator is the Office of the Comptroller of the Currency 0 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. e oWDOH .*at•srn,owvaHet? It could happen to anyone. Make sure you pay the amount JESSICA D MILLER due on your statement as soon as possible. WHOOPS, Keeping your credit in good standing can ou think than t l d . y more o a o GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES (good credit could mean lower interest rates) • payment IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) Cd 2878 C,1pitalOnr Snn irr..r, arr. (:npitalOne u a fdtTa4 nxiitm. d rrnirr mark. ,411 ngAtr n.,ennd. FY Transactions New Balance Mirlitham Payment Due Data previous Balance Payments & Crodits CFRANCE $1,394.07 - $0.00 * $29.36 t $53.47 = $1,476.90 $85.00 D13C. O6, 2008 Oct. 12, 2008 - Nov. 11, 2008 Page 1 of 1 e- q GASG VAY AT tlA nZ AMOIra Visa Pgthasn Awount 411112.3R473Jrd364 Your Account Information TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $23.10 CREDIT LINE FOR CASH $1,50100 AVAILABLE CREDIT FOR CASH $23.10 Finarm Clrww (Passe see reverse for irrlpormnt irbmaton) Bab h- (ale Periods Corrospo hdrg FINANCE eppredb rate APR CNAROE Pudlaw $1,416.96 021096 D 24.40% $29.36 Cash $0.00 0.0161396 D 24.40% $0.00 ANNUAL PERCEPWAOE RATE applied this perlock ?A.48% a At Your Service •(b to wmaweribremn b mrraayarruud. ^ rp? 1 or Cat 1-11MM -WtorepaAabotorslohnOrdaVe*loOaMter naYoarn Pay OnMns Razor mail W pgwsd b: Oro Bri (IJSA), NA - P.O.8% 71N3 • Cherbb, NC MV- 1083 A $sad itgdra llo; Ct MOrs P.O. Bo ]M. Sst L&A Oly. Ur 641'94 M ® Haw a qustlen about a dugs on your stalsairernit? Pease rear b the Big Rights Sunmay on the back of your statemert or visit wwwxapitaloneconkisputes Yo&e behind by one payment. Remernber that paying fire minimum pa)nnent by the due date keeps your account arrant. So make sure you send in the mintraun payment to keep your account current. Pa mieottc r_reft a nd USYnab Transcliim 1 05 NOV PAST DUE FEE S39.00 2 11 NDV PAYMENT PROTECTION laM27-6904 $14.47 under terms previously disclosed to you, soma or all of you Annual Perceniv Roes (APRs) have beers iumsed shoe your account was past duo twice in to past 12 biig crabs. If your rdea have almscy increased, subsequent dakgrersias extr rdad the 6xvInn of the increased rhos. Rerner nber: If we recea a your miniiMm nhonf* pwpTwd on time br 12 consectfi ebilig cyder, to a co rt will be reviewed br a possible on b pr Nxh Intoduclary APR You were assessed a past due fee because your mninun pWmerd was not received by the In dale. To avoid to Ilea it the ful re, we recommend set you abw at least 7 business drys foryour ndnknun payment to retch CgYW Ons. PLEASE RETURN PORTION BELOW WrTH PAYMENT OR COG ON TO W W W.CAPTTAIONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362673373364 11 1476900084000085001 C. Account Number: 4862.3626.7337-3364 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- today- it! fast, easy and secure. DeC. 06, 2008 $1,476.90 $65.00 C= Q Pay online anytimc-no men, checks, stamps or clutter. ME46SE PAY AT LEAST THIS AMOUNT © Moving? Change your address online or on the back. le Help save the planet-Go paperless. 1!9031704003134005# ® sign up at w .capitalone.com. JESSICA D RILLER 36 PIPELINE RD Capital One Bank (USA), N.A. $027442 NEYVILLE, PA 17241-9759 ?f CharlotteP.O. Box I?IIIIIII'thlPdGl'IIII'I(III'llll'llluGI11I11GII11G1.t1IGIld IIIIIILIILGVIII'll'IIIIII6GIhIIL.ILLIIIJI„IIIIIIII'hll Please make dmks payable to capital one Bank (USA), NA. and mail with this coupon In the enclosed envelope. MI 1. 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Home Phone ........................................................................................... Alternate Phone_ ......................................................................................... $027442 E-mail Address .............................. _........................................................... Please print address or phone number changes above using blue or black Ink Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. .0 • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. sodbca It could happen to anyone. Make sure you pay the amount JESSICA D MILLER aaaataa?a due on your statement as soon as possible. WHOOPS, Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES b (good credit could mean lower interest rates) y payment IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) W 260W r spiral Onr .Sz,.iar, La: 61pnal One it a f drr„By regiuered ,endn: mark. All right, --d. FINANCE Previous Batarwe Papiwix R Credits (3tARf3E Transactions III I", Payment Due Date $1,476.90 - $50.00 + $28.45 + $92.79 = $1,548.14 $117.00 CJan. 05, 2009 Nov. 12, 2008 - Dec. 11, 2008 Page 1 of 1 \\\ PLEASE PAY AT LM TM MOM Visa Pladnum Acccut 4162-Mill- 1 -M Your Account intonnadon TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,500.00 AVAIABLE CREDIT FOR CASH $0.00 Youte behind by one payment. Remember that paying the minimum payment by the dre date keeps yar aco mnt current. So make sure you send in the mrvmw payment to keep your axoLnt current. Pamlerlts. Credits dsAditrtihn011tS 1 12 NON CAPITAL ONE =.1NE PYMT ArttDats 12-N OV 950.00- Trmacdons 2 05 DEC PAST DUE FEE $39.00 3 11 D EC PAYMENT PROTECTION 1-MW-6M4 $14.79 4 11 DEO OVERLMT FEE DEC 11, = $39,00 Undy terms pre4D* cisdoaed to you, same or a1 of yotrftuW Rarcertlap Rates (AaRs) have been messed site yw accunt was pest on Wm n to pest 12 bingoyclas. S you rates have *a* -eased. SUb" art d*xf-cias ftWx sd the dIMM of 00 ruseved rates. Remember: Vwe receive your mmm= mordiy payment on fine br 12 oonsem" big cycles, Cnb amount will be reviewed for a possble ream b you Non4nkodutay APR. You wmwt has gone over its vedt limit To avoid additional wer6rut fees, you shoLAd pay more than the M r mum Pymatt Please pay armo b VM yon arrant balm below you "* lint rnmerisNy, and m" We you axon nt balance Minions below your uait lim t. Please be we the amount You pay a xanb b cry We pud eses. fees, and fnerm charges, You woo easessad a past due be beam your mrwin payment was not moeived by the dw We. To avoid the fee in the fifte, we remmnerd that you abw at least 7 biBirress days for you ,dint m payment b reach Capital One. Finance Charges (Pksee we remse for a port ilbrmation) Wkwe raw Periocic Correwmdre RNANCE applied to raw APR CNAFGE Pirchaw S1,446.34 0.0961916 D 23.9091 $28.45 Cmfi $100 0.09548% D 2390% $0.00 AIML/AL PERCENTAGE RATE applied this parted: 2390% ® AtYOWSavke-tbb tomwaanyorm-A or Cat I•B?D90fL36i/breportebeta?bknoedorapedtbQrebfner IbYeaa Pay Orion atrmtalallahmmor Mal Pr pwrot b: Captd . Bank (USN, NA. - P.O. B. 71083• Charb b, NC A ? (kpiel Capild72 Ore, P P b. . 0. O. Bsc 30ffi - Sad l.dm t%ql. UT 941300 ® How a queatlon about a daage on your shboaW Pbae refer b the Big R#Ib Sur "W on fro beds of your slatarerrt or visd Ca4pl 1 4862362673373364 11 1548140050000117000 Account Number. 4862-3626-7337-3364 Due Date New Balance Minimum Payment Amount Enclosed Jan. 05, 2009 $1,548.14 $117.00 PLEASE PAY AT LEASr ThNS AMOUNT #9034704003134002# JESSICA DRILLER 36 PIPELINE RD 8027442 NEUVILLE, PA 17241-9754 __,.> ...? L 6tidlnlllllslsl1111'll"Illhulrs?snltllrl,Ll.hlndl'tt't PLEASE RETURN PORT)ON BELOW WFM PAYMENT OR LOG ON TO YWS W.CAPrrAIANE.COM TO MAKE YOUR PAYMENT ONLINE. Lend a hand. Save the land. Manage your account online today- ilVs fast, easy and secure. Pay online anytimr-no more checks, stamps or clutter. © Moving? Change your address online or on the back. ® Help save the planet-Go paperless. . Sign up at w capitalonexom. Capital One Bank (USA), N-&- P.O. Box 71083 Charlotte, NC 28272-1083 it 1111i Ill. -101 1-11, Please make checks payable to Capital One Bank (USA), NA and mal with this Coupon in the enclosed envelope. ddr u 1. How b MOM a Fat Wrw Chrpe. &Orow Parbd You wr have a fneknurn Grace period of 25 fts wWpt ilw ce drop. onnwr purtysr, row bebm irrnfWw nW #WW ProMwuW row OW Wrges l yoo pWyvarW W 1% w 8@lmW, n Woodrow Wrt•w "1Wt Notla for Pamrb .. bebw, wW n trrbl b be corked by four Mned due dra Them is w prow prbd an cash advown WW spool 69101.00, naddlbn, lost. is no owe Prod an w tanwedonryou do not Pta to OW 7iew taaaxw" b. Aoaubq Flnewe Clop. 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You nil u yes a cwdWd t om nraPpy b btomm aaotndr prayid(1)YaasnWtho ' 'tn PaMondai owbonot Cspat One supparr ttarrrbn prbaq pordim.wW andyourdwcknlte«eb. 'fwnNwwsrv "WOR) vwtdM 413OWSA11l91fat>OQI YW PafPrwrt b raos. n W pac.w. conWby 3pm ET Capable b a radwov wtislstwsetYbs nwk d CapaW ore (12 noon . ?P.n?.PW AS WbN 9 bad fM (5) brats Drys fr FOWK l Corporation. Al 6" now "d 02005 CaPIN one pwWdP.wy.P#ynVtPxV* byudwones bC9bn rh w oM1bM RW nOt b*=dbd w dMw Changing Address? Address ......................................................... Home Phone Alternate Phone ........................................................................................... 8027442 E-mail Address,......, ..............;; ..._............. ..._........................................ Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ?./l statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. Last but not least, be sure to write your 16-digit account number on your check. Ca "7W what's In your wallet? LET'S TALK - WE'RE HERE TO HELP. 500069 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. @ 201k9 Capirvl 0nt Serninx Inc. Capital Une is ,r frdcmUy rcg ttrn d xrtrict rn vnP. All righu nw red. FINANCE Previous BaLanrx Payments & Croft CHARGE Transactions New Balance Miluraum Payment Due Date $1,548.14 - $0.00 + $31.93 + $94.02 $1,674.09. $204.00 Feb. O6, 2009 Dec. 12, 2008 - Jan. 12, 2009 Page 1 of 1 Visa Phlinum Acooutt 4011t311121m J3 -W Your Account InTomkation TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT WOO CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 RF/ %PAY AT tFAA714S MAOW YoLAe behind by two peynwttr. Lets talc Ifyoute teeing financial dailies adcan't make your minsio n payment -we went to help. Let's work bgetta to find a soktiort. Pamtents. Credb &Adh rbihi nts Tranuclim 1 05 JAN PAST DUE FEE $39.00 2 12 JAN PAYMENT PROTECTION 1-88952704 $16.02 3 12,*] 0VERLIMIT FEE JAN 12, 20W $39.00 lktder Withe praviousy disclosed to you, sorts or al of yotr Annual Petoertega Rates t/1PRs) have been koessed site you ascot i t was peat de thrice n the past 12 b&V cydes, If you tales have already round, stbsegant deigei m exbrdsd the drabon of the round riles. Remember: If we mc" your mr*mn mcrft peyrnentan time for 12conseaAwbilivg cycles, this accwt will be revieweci for a possible helm to yar Nsn-Intmddory APR Your shank has gone over to aedt Mrdt To avoid adf oral overfmt lees, you shatdpay more man the *a= Payment. Phase peel era gh tobnng yar aooant balance baba yowmit Mall inmaril", acl make sue yw account balance Imairs baba yon as* init. Please be sure the anent you pay sccamb br any fu heArctase s, fees, and bwce deiges. You we a valued Payment Rotectim colomer and may be etigble for brafib b be paid to you t oeowt per the burs of you Payment Ploachm apreamert. If you hate mrpar arced an eigible bas evert, please cal Sionebrkha BerafitServices at 1M852T8904 to me Iyour stthat on quaVn for benefit. Your aanurt is 83 drys past die and yar coverage will be staperdedII wades SO days past die, as stated in yar Paymied Protection agmernent. You ware assessed a pest due fee because your minimum payment wee not raoaived by the die date. To avoid to fee in this R*xA we moannerd that you allow at last 7 baness ;says fa yar miwtrn pwpwt b mach Capital One. FlrkanceChargesFlaw seem wwforrrfAviltitartatiat) Balance rate Period; Corresponding FINANCE applied to rate APR claw Fitchews S1$322 OA3" D 23.15% $31.93 Cash $O.W 046342%0 23.15% $O.W AW"AL PHtCEWAOE RATE appMar this pertod: 23.15% AtYwrSerrice•cub ?Ibassus)-cau4 or CA 1e0D90MO IoNW a botorrgatcedorspeck b Oe*mw rtalalata 0 Payon*watmw ormdlyarpwmmtb. CYpilel * Bwk WA), NA • P.O. Bart T1083• Owbtb. NC A 725arw kgdrbe the: capital OW P.O. Born 30245 • Salt Lela City. UT 611300235 ® Hm a qui stbn abolt a die rga on your ate6aneall? Florae reler b Ora Bing Rghb Summary on Ilea bade of you staltarertt a visit wwwtamitabrra.owrJdsoutes PLEASE RETURN PORTION BEL0VV NRnr PAYMENT OR LOG ONTO wmv.CAwALhcw.cOM 10 MAKE YOUR PAYMCNr ONME. Accourrt Number. 4862-3626.7337-3364 Due Date New Balance Minimum Payment Amount Enclosed Fab. 06, 2009 $1,674.09 $204.00 PLEASE PAY AT LEAST THIS AMOUNT 1 4862362673373364 11 1674090050000204007 #9001304003134000# JESSICA D MILLER 36 PIPELINE RD 8027442 NEYVILLE, PA 17241-4754 ,. ?IIPHhrlllnlllrlltrllhuU6rltllhrh'IIIPIIhgrlh?ll Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. a Pay online anytime no more checks, stamps or clutter. © Moving? Change your address online or on the back. ® Help save the planet-Go papedess. O Sign up at www.capitalone.com. Capital One Bank (USA), N.A.- P.O. Box 71083. Charlotte, NC 26272-1063 ITJIiPrtttrrlttdrtlrlrNttrrrllntr•N•1?111•Ih?INrllrhlNl Plem make d*& payable to capital one Bank (USA), NA. and nail with this coupon in the enclosed em lope. JESSICA D MILLER t r W1 It t. HOw bA1oW m Faanwe Chrpa a.fraw period. You all lave s maarsrrngrace perocld 26dgwwiloil WdMtA-1 onrmwpud%UW,nee balwm Ymbfam raw mpwW pwdaae and rww ctwr on&W f you paY y"Iftl Nov SmWvW, In som do wewir M arp ho NoOm for ioWme is babes, ad wiratoritto be MOW by your p owt dadmr. lire b rrb grew Pedal n anh adranae and spamtlarWew. neddlalrL tlrre r ro flaw perod on ay terrsiion f you do not pry Irwo" 'N" Bdrw.• I). AwmYg Future CM pe. 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M mar rrwwadfw eraptowd atraf, a )WrplbndMwtaand W wrpirrdbn, rpdrgn,11 ft yes beatstww r WallOr: orf you Iratl "WWI famrfo a It me ptondMAimyoear wwasabouL You db Rd JIM to poWdry.motto n WwWnwMb weretWatIP tq L bA youMMMobtooWbpM *OptbdyourWtestMMn 4wdoon. Whir w bsndgabyourgl W-. we carrot repot you em dargmt or take wry adbn to coW M arrmt you oadbL T Sprdr Rub forCrede Gard lownhamme f you norm a poWwn WOt the glafy of praprW orarvfas trdyou pudwad w1h a a" cad ero you hoe UM In good ldhb coma M prdman Mhtw nmwm%you my Mae on dpd ra to pay the wwr.. 0 WOW des W tw piV$" d mavfces.YWhave rpWmdlono(* whnMpidwaprice Ira am tan SSMW ad fur P RImme aw "s* in your horn torwRhin 10D mmd of yowrrlbrg addlom. pr we own or operate the nwror" orfwe rtMBW you the adomemanwtbrtlepmpeyor aav1, dpedraprd covered regadma d wr mt a amnion of pwch we.) Pros reMWMW to sign AN eareeporrderlcm. t Cues notwM b aaarea eoomoft Cdplid OM.uppla bdor niMon W*W polwton, spa our O"Wo orw r a hdawy refadared Wim "n d Caplet One nnaWal Corpormlbn. AN dgrb row"d.020oS Capfd Oro Changing Address? Address...._ ..................................................................................... Home Phone ........................................................................................... Alternate Phone ........................................................................................... 8027442 E-mail Address ..._........ ._ ..................._................_........................_.......... Please print address or phone number changes above using blue or black Irk Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your 40 statement. using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. I , , Capi__?- what's in your wallet] MAKE A PAYMENT. AND TAKE CONTROL scoo,o OF YOUR CREDIT WITH CAPITAL ONES 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 fm check by phone service or speak to an associate by calling 1.800.955.6600. 0 20X)8 C4i410ae Av7 uvr, hur !.'apitaJ tjw ii a fr4rral[y rrpirtered irnvirr mark.: ill n htr wwinverl. FINANCE Previous Bata nce Paynsds & Croft CHARGE Transactions New Balance ddinu rium Payment Due Date $1,674.09 - $0.00 + $32.29 + $95.27 - $1,801.65 $293,00 Mar. 09, 2009 Jan. 13, 2009 - Feb, 11, 2009 Page 1 of 1 Yin Pladraam Account 4N3,1M7JCt -M Your Acwunt Informadon TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREOrr $0.00 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 jmance OwIvaS (Please sea m»ersa fcrimporW ifor!"I" Balam rate Periodic Corresponding RNAHM wpfad to rate APR CRAM Rsoom SI,69738 O.OMM D 2315% 93229 Cash $9.00 0.05312% D 73.15'% $0.00 A11a11LL P6tCEMAOE RATE appfad Ihb parlork 73.15% Otpbomviomitsknemm bmaag Waxart. or Qt 11400$04W forepat a bst oraWn cad or opadc b Qaixw rubliaa Pay 01" stgaLg2 dabaMor mdlyarpaynat b. 0 Oro Bait (USA), NA. -P.O. 9% MO- awbas, NC 1083 A Send bga ft W: Caper Onw P.O. Boa 3=5 • Sal Law Olly, lfr 54MOM Nave a gue ftni abet a charge on yew sbtsnesi9 Pkasa refer to the Big Robb SunmNy on the back of your saterrm(It or visit PEASE PAY AT LEAAT16 AW M YouYe hehond by three payinenls. But you can big you aooant curer by paying the mkimm paytnatt smart on yo r satanect. B yayre hwN finencd di fbAes and youYe leeirhg a?awlrJmed - we want b No. Give one of our assocides a cad at 1.800.0.6o"170. Yoted be arprisedwhat we can do bgether b work l1bb out Payments, Cmdbts & Adlustm eats Transactions 1 05 FEB PAST DUE FEE $39.00 2 11 FE8 PAYMENT PROTECTION la&527?M $1727 3 11 FEB 0VE11LIMT FEE FEB 11, 2009 539.00 Lkdw tams premisiy, ds closed to you, sane or all of youi Amel PemIalo a Fates (APRs) have been naaased since yaw account was past due Twice it to past 12biigcydN. If you rate taws akeWy haessed, srbeegent daigtendes a derded the diratim of the icreand rates. Remember: r we receive your miimm moMhy, payment on tiara for 12 consam4ye biigcyclm, On a=Vt will be reviewed br a possible mhm b ytwr Nonlntrodictoy APR. Yocr smut has gam over ib credit but. To avoid adiiart aerird fees, you tnW pay more then the Nnm m Peymert. Please pay woo bbrM you aooourt bakrca below you credit knit mneda*, and male we you accourt balm remains bebw yu credit ba Please be we the word you pay wwurs for any RAR pucham, fees, and Were derges. You were assessed a past due fee to mlae you mirnam payment was not received by the We date. To maid this fee it the h4re, we recommend fat you abw at Imst 7biaarma days for you minimum peyrrcet b reach Capital One. PLEASE RETURN PORTION BELOW WITH PiAYNENTOR LOG ON TO W W W.CAPIrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362673373364 11 1801650050000293006 Account Number. 4862-3626-7337-3364 Due Date New Balance Minimum Payment Amount Enclosed Mar. 09, 2009 $1,801.65 $293.00 PIXAA PAY AT L WT rfZAMOUNT #900430400313400711 JESSICA D MILLER 36 PIPELINE RD 8027,002 NEYVILLE, PA 17241-47S- , .:.- l.....__ . _.hIN6111iJ6116111.11'llllllLlLsrl.lhlrtlrlllhl.llldlul, tend a hand. Save the land. Manage your account online today- it's fast, easy and secure. ID Pay orline anytime no more checks, stamps or clutter. Q Moving? Change your address online or on the back. ® Help save the planet-Go paperless. 0 sign up at w .cepitalonexom. Capital ens Bank (USA),N•A• P.D. Box 71063 Charlotte, NC 26272-1083 nlfltl•d+•?uld•h'Id}I!!'allnh"B•r•HI•N••INdirl'Inl Please make checks payable to Capital One Bank I;LISA), N.A. and nail with this coupon in the enclosed envelope. JESSICA 0 MILLER WI II 1. 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To*k'a ayarbwl yoriwartwdVWW*n dWWOM" aK PMvpad(1)youewWMlatlwn p«rbndgiaWwnwt rnilw dhiga. n?iY+1'Yar wwgrrry batarwe bylM dM/prwua mw aMyMnrnsrddaywnMaalrr0- dMyo«aedchMendrWnnlMrw erwMin R) ya?ParndrraaWwlnarProwartpowiw4ram eT Aus aigparb idornrddorr prMary Poictian:s»our Wabdiod lb- ddwgbi n *nWbeavsvsdnc9 (b Mon PTA PItw aIb&%W oMWOm dys/« Fl? w?ic WIllon. All W iwwve?d. 02006cCapa?d on w beI btu adMalttwn old M lrmut dlMwchwgs poWl defwry. Prjmwb rawred by w at rM Wnr . -- orhayotlwr«mmayntbatndMd=dM aduyawbewy OW WO MOVIVO r4M BTU WWWW dye en Mdrldy "h Please print address or phone number changes above using blue or black Ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paperclip your check to the payment slip. • Ile sure to use the payment envelope that came with your ?!P statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. Last but not least, be sure to write your 16-digit account number on your check. Y r a Capi ?- what's in your wallet7 pox., Cl 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 few check by phone service or speak to an associate by calling 1.800.955.6600. lot) 2(1718 64piral (torn .Sm!i es, lur. l.'apitrl7lnr ix a frdemLf ngisrrrrd srrrdre nark. AB q Ars trxrnred FINANCE Previous Balance Parna is & cmats cKgm Tnlnsacdons New Balance Ihlitrmurn Paytralt Due Data $1,801.55 - $106.27 + $30.99 * $56.47 - $1,782.84 $273.73 Apr. O6, 2009 Feb. 12, 2008 - Mar. 11, 2009 Page 1 of 1 Visa Pladnan Account 4!6S3R67737.1384 Your Account IMonnation TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 Ftflatfce ChaMa (Please see reaerse farrrhporhmrht nfonrlatorh) Balarce rate Padodc OW"Pordig FIANCE WOW b rate APR CHARGE Purchlo s 51,744.97 0.063" D 23.15% $30.99 Cash $0.00 0.06342% 0 23.15% $103 AWNLIAL PERCFMrAGE RATE applied this palest Zi.1SX At Year Service-Gob btargapraaart ® orW U 48043837breWabitorsolncardorWeakbOAIXW novena ® Pay Online at for mail prpWnat to Cmtd Oro %* (LISA), NA - P.O. Box 71083.Owblb, NC sand Inquhlsa to: CaputOrw P.O. Boa 30785 • Sal tare k7Qr, Ur 84MO285 ® Hm a qu lMon about a charp on yolrsfi dement? Please refer b the Big Rghb Sunmay on the batik of you sut merit or visit wwwuantalo e.wWdhsahs Youte behind by three payrnenb. But you can bring your account current by pwN the mrtinurn p*nent anaunton your stakment. If you re hwN firenaal ci fGUlbes art you're feelirhq a+rwh tried - we wart b help. Give one d our associates a call at 1.600.955:6600. You d be surprised what we can do b9olher b work this out. Paytnentsr Credits 3 Adbabnents 1 20 FEB PAYMENT PROTECTION BENEFIT PAYMENT $105.27- TrNmaatiorls 2 09MAR PASTOUEFIE $39.00 3 11 MAR PAYMENT PROTECTION 168&7-M $17.47 Under lams previouslf dbdosed IoM some or d dyer Arne1 Peroenler Rates (APRs) have been increased airrce ytotr account was peat due Mice n the past 12 big cycies. t your On two mealy increased, sukee Berl deigrahda adaded the dustan of the increased rates. Rernmba: t we reoetvhs your mirw arm rrpn%paymert on time br 12 cornealb,e bring cycka, to account wit be reviewed for a pmble return to you Non4gra uclay APR. You a=unt has p ne over its aedt Writ To avoid additional overlent tees, you shall pay more ten tls hilmium Pepnott Please pay woo bbring your avant balance below you credit lend inrnedd*. ad ffelae sue your smart balance remains babw your crack imt Please be sue the snout you pay accents for any hhhre purchases, leas, and Brace charges. You were asoaesad a peat due fee because your mr nrmr peymad was riot received by the due data. To avoid lob's fee in the We, we reoanmend dial you allow at bast 7 busies days for your mrarnun payrnent to reach Capital One. PLEASE RErURN PORTION BELOW VAM PAYA4ENr OR LAG ON TO YWYW.CAWALOW.COM TO MPJI YOUR PAYI44ENT ONLINE. 1 4862362673373364 11 1782840106270273735 Account Number. 4062-3626-7337-3364 Due Date New Balance Minimum Payment Amount Enclosed Apr- 06, 2009 C$1,782.84 $273.73 PLEASE PAY AT LEAST THIS AMOU14T #9D07104D03134008# JESSICA D MILLER a? 36 PIPELINE RD 8027442 NEYVILLE, PA 17241-9759 L l?lrllnd•1111'I'!I'IIr!'1'Iltl'!'I"11u1nI11nII11111111rIJl Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay octane 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 710b3 Charlotte, NC 26272-1063 11 II)N•I+I••loll. lrblNll•rih14••II•l••Ill•N••INrllll•lul Please make dhedcs payable to Capital One Bank (USA), NA, and mall with this coupon in the enclosed envelope. JESSICA D MILLER k ( t cot t 1. 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WAkklp PaynwdL Paymwb you Raab in Will w crdlad 0yorwooarnw afwoW Ws dy we =a** it pnwbd (1) Wu ssma tin hoaan poatiari ear sbbnwn oat Your ahmk In to oncWSd anaawemwenpe era (2) )oarpoynart is Mocoho?d ha arMcmakg oenbr Q ]pm ET (12 men PT) PIOw same at bow Bn (5) hates doye for 0" *&, Aw wr nwivd by M r o y caw Ioomon or In any CVW fain MW eta gamed a dew cloyva moo" Muhl Ott-W" on Gore am kddq' Uvo gh aW%smutEAMMty.QGanvW bn. whin you pn7War a dead o ptb'mort you aWOmire o ~ID uroNanalbn 5anyordwda b now awu*m obclanleara UarrMromyarbpna mmun orb pmacws nM pacRlantatdwgc twioctlon. vKnn 110 ao? htanalbn Ran your doakbmW an obdronc W team, hews may a wtf10dfalanya aepeb aoamro as monw fn sum dryw?raN? Awpoi n ik aq you wo nanwrn Your vMo* b o* born Your anonnio YiataabmL YourwalaLetlmi Islet Imam by tw r!W On tw "CIL We nay Ioa6nt aid elletlaneay aoMd nbnwd por"oft. 8. Bonwuft. a yw we ~io bwlcuplg probcwn ra your moout, aft wnrtsaaaaalbn b oy W NMOmMa is pupoow. n b cot n aibnp b ebee6 nsow or iooara door or Clain co not soM dry paynwb abmy b o wOart sp nkbp wtgr yoar baraapby aaanry ar rw Sadrlpby Cout. r you want b cartrd us nwayar meant oryour bamtnpwy Pnoaabtg, pow have ya aaornsy oadod as. MlL1JNO RIGHTS StffabARy (n Coo of Errors orQwsWm about Yow0) If you Oft yaw bats fans, or ayou rod more kftmtbn on a bwwcaonalea, wrlo b W an a sopw0e auaas soon m rower r f. rkkaekxkrlbmla anon n tlw wont d1ft abrmwt yesn no fwrnomyou rw kW*mW drys aver rfe sadyou"OW b6 on ~ to WWorpotrnnAWWd. You an of owCuotaror Robb" dnoor or notify us ty wnd orflewae, led doing 49%4 Mt Von" youriVib. In your Wor. om a No lobvnro kitonnetlomi: Warnaco and what saber, go dolr ~ or 1110 wwPaulad nor, a damer"mdew wrwama an mpratan, ?poebb, Ow v you osiers ton Is on error, or It you wed non ktmnMk U a doadlpuen of to bmyouwe uw oo, obai you rb not run to pry ry bran in Nnetlbn wh o,we ow nr i olpatlmp I. led you an sort Wood 10 ply Ow lima d your ti to we not in %imllan Whft w iMesaPb yarrrwoohn we cored span you a dWkwjmt or Woo by notion b cotbd the trait you Quawoft t SpecW Pon for C490 0" Wdnow If you ton a Reborn Wh Ongarry Of pmparp or o"taw that you pudoed wkh a in* owd od you horn bbd In good lent b cared the prakMn wet to Ramon, you may More Me alga not b pay tw ocwairsanant dos an tw p opary or swvicaa. You More 06 poloi(W only when for poor ma price van nomVion SMWarld pa puldres was made in your home are or wtnh 1W eras dyawmaftp amnw. Ur we omi or apw0e the Meted, or awe Mohan! you ft iMadbwnrd ror go popwy or swlew, at pi n:Msaa ere cored ragnrdl m of wrousa tocaon of purchme) Place nmwdw to sign as CmTdopotdwns, t Wes not am b awnas oceans Capita One wuppmb nrombton prwocy pobacton: sw our waaW 41 MWAN"OLMM Corpora One b a Nowey Mosher" teens cork or Capiw one nraMobl Coryasoon.. AN rlyal nww4d.02005 Cdpfa One Changing Address? Address ......................... ............................. .......................... .......... Home Phone ........................................................................................... Alternate Phone ........................................................................................... 8027442 E-mail Address ......................................................... Plcase print address or phone number changes above using blue or Dlack ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment-envelope that came with your statement. using a different envelope could delay processing. • Please don't include any additional correspondence. • last but not least, be sure to write your 16-digit account number on your check. , a Gapi ??- what's in your wallet? TAKE CONTROL OF YOUR CAPITAL ONE ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privilegespand 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 frft check by phone service or speak to an associate by calling 1.800.955.6600. 00 2009 (1piral One. r'.apiod Or,r is a fedmrlly ngiacmd,erara mar-,L All right rr rrned. FRONCE Previoea Balance Payments 8 Credo CWLRGE Transactions New Balance Minimum Payment Due Date $1,782,84 - $0,00 + $35 54 $96.38 = $1,914.76 $366.73 (May, 06, 2009 Mar, 12, 2009 -Apr, 11, 2009 Page 1 of 1 Visa Platinum kDou It 401 410211-M- 764 Your Account Information TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 RAA9 PAY AT LEAST TH6 AAW W You're behind by bur payments But you can All trig you emour t corrent by pwig the mirumum paynTerd amount on your statement. Need trap? Give us a cal at 1.800.955.6600. Well work bgether b rnd a soluthn. Payments. Credits & Adjustments Transacwns 1 O6 APR PAST DUE FEE S39.00 2 11 APR PAYWNT PROTECTION 1aS&7-ffi04 S18.38 3 11 APR CAARL1v1T FEE APR 11, 2009 S39.00 FNUMe Charges (Please see reverse nor important nbmst Wi Balance raw Perb* Corresponirg R ANCE appied b rate APR CHARGE Purchases 51,807.46 0.06342% D 23.15% 515.54 Cash 50.00 0.06342% D 23.15% 50.00 ANNUAL PERCENTAGE RATE applied this pwlod 23.15% e AL Your Selhlrce•Gobpbrraage yarazwt or C* t-0D690ft7537 b mW a bka iMm ant err Vook b Ossbhmr r*kbw ® Pay Cnrmatlp mnirmeitpupatnerlb: CeVBdOm Bank (USA), KA. - P.O. Bac 11083 • Cturbtk, NC 1083 Send Ylgtitfes b: CapWOrw P.O. Ew XM-Saltakeally, UT 841300'd15 Have a questlon about a charge on your stalrow t? Please re* b Un MV Rights Summary on the back of your statement or visit www.caoitebreamig rrto Under tams previx* disclosed to you, same or d of you Amual Percenltge Ramer (APRs) rave been naamd shoe you accent was past clue Wice it the past 12 bbg fides. 5 your ryes have already raeased, subsequent deinquenow atten:bd the duralion of the ihatmed rates. Rerrrember: Nwe receive your minimum monad payment on lime for 12 consecutive biting cycles, his accort wil be reviewed4or a pos3ble return b your NxAnit rUary APR. Your a=rt is W dws past de and you I'Wma t ProWbon owerage has been suspended As staled h yer Payment Protection ageate t. your coverage and mont* dtarge will be reslaled once you acoaut is no low 90chys past de. You may sit be eli$k for terelits b be pad to your aoccurt for loss we* dambed n your Payment Prolecion agreemerd. Call Slx>ebidge Berard Services at 1.868 l-6604 b we If your situation clalies for berarits. You account has gone over its credit knit To avoid aftiaal Ovaimit fees, you should pay moue than tae Mnrimum PWnenL Please pay ertoglt bbrrg you eow t balerm below you aeclkknit immecl*e , and make sue your account balance renatnsbebw you aafd knit. Plem be we the snout you pay accents for aty volute purchases, fees, ad klar ce datgea. You were assessed a past des fee beame your mina rn payment was nob received by the due dale. To sio/d 1113 fee in the fidue, we recommad tat you allow at least T business dws fa your rrewrium payment to Mach Op w One. PLfASE RETURN PORTION BELOW WITH PAYMENT OR LAG ON TO W W W.CAPIrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362673373364%111 1914760106270366734 Account Number. 4862-3626-7337-3364 Due Date New Balance Minimum Payment Amount Enclosed May. 06, 2009 C$1,914.76 $366.73 NEAR PAY AT LFASr THIS AMOUNT N9010204003134001t1 JESSICA P MILLER 36 PIPELINE RD 8027"2 NENVILLE, PA 17241-4757 _. __ _ _ ._..Irull+AlttN.It..,1.t.lLlhtlllh•f1h4.1.14rnghu•rtll Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 19 Pay orlinc anytime--no more checks, stamps or clutter. ® Moving) Change your address online or on the back. ® Help save the planet-Go paperless. O Sign up m www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 ult.(Ifallhylttlat,hryn+,rrylllrrl{•LrItlAhllhihlrlnl Please make checks payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. JESSICA D MILLER y 1 e aol 1. Her to Aaoa a Fkwm Charge. aoraa Pwbt You wen have a nrtn wngrace Pwlod of 25dW&wood gwm charge an rwvr p dwmW new W Wros taneiirF. new spidel photo" and new mor daw r You Pay YoLrOW WBaYme".n accodrrwwah rev nporm NOWO FX PHA below, and In Minn der t to be credited by your prynert dw del. There k no gene Period On caw advance" end"Ooki trwl m in addom two k no gift PRad on any trarwn.N If you do rot pay rev Mal 'tWw 3aieme." b. Aoduft Fauna Charge. Tranewdde W*h are red mm ,,*d b. a fimep ane"odr?? chow 1) V* dab of the twolow or 4 If" I tree"Watk po eeeN agar Awmat«3)ROmtw pet cewrMw dial' dtodrrert ttthg prbd A&Wm*. I you did not pay 1M'Tlew Swrce hmI* pavk et you, up p to . a uY lM uiioij befierm is Pap in p NIL This rneRR UM you rlry ell ow Frwma dwst". even fyou pay pre entire, Haw BOW" ndfoslM«I he fret d yaraaanea by tlw prykmO dw date. W did not do so for VW WtObw made. L%V" 6141" dares n MOW area apptosow aeprwm tofya?PCrarat. e. WAreare, phrwe Clmwge. FOreadt btrg Period Met Id RWVE CF ? Ni M10 a of$D.30WE WIMPO d. TWR*MY RadmReon in Fkwm C1Mgee. We mwve Uw fVd b not anon dry or d Irwra dwrgw r« err ga'an bong P1dA adrabe, purtrwe, epee. now, dew peaeprraeeey by en arnepor Mng Gab 1" ratty) mat NO oven pwiok" darfwedebyoU At UW era dawn day Bahr thn bIAFg pwlod, we WM rev dally perloMc rose for each eswmt d yw tacut b the date bawma d each saga ent Thor arw wad fa btarg period. era add up the sent of on" day eaetaalone to Mlve a your pereomarrnaohEw br MOn"Preet We addtp pre .. res1N riwrmondne charge Ike sepnert year wea oW. MW a roger go day o dal perbMc baarce for eacheepnot oryowacw MtaeteesdRbegintg bdwmaforeebh ngrrt aM add any new ptlweowrw aM ay psrbI ounce am" croAW on to Peoviow drrY Iwircw For nos segnteK Wt tlRn wbbad any payawta orerarw pooled a d rent day beat dew abated to gM "WnIM This gives w ne separate ddb baanafor aeon segment of yaw wmunL Hwmwr. If you paid tab New 1118akewpm on your pretvian stawrrmirt In FM (« r Your mww balwa was repo or a credit amount), nab raRatltew, }Yukio ports your pvrdlne or WNW marts the anwage old beige" W" nee ow dw belrRw agegwr mind drf3g the ern by the and w or the dqa hOwcurrwt W" Cycle. To abdasyour mail fimoe doge. Mwi* you avenge, 4* 1rYemm1 s by nee d*; - rie rM rodby Uw nnOw d fts htye bang Period Owe rouaM" a day beak or due to mnrnrn treat doge aneswrwlt, two may in a variance belwew ors osldMdal and the rrbutor mace dmsrge aduay ansob" . a Nnua Peroeaaga Rd- W% a The term "Mont Pfeo~ RaOr may appear w "APR.. on One 0ard d Ute eWanwK b, rIMcoop pOm von PMWX L(Q-A"UBO4 C tawbnb ccrh or3 partkob d Prhw) ppeorson the oat of tlk eklrme t wad ahn PRkdk rat(s), re penotlk ,be and cortepoaMrq AN ALPEACEWAOERATES may vary qua" and may aceeaw «dKowbaud on rw Mardi ndbes, es aurM h TheWM SOew Jomal. plueownbogs piavlPuebdb"!* d Tnese mono C (J4 c. If the code D LIE (Tree ? P - 4. Aaseellrtart d 1 Faaa Uudw ow eaa1L PERCENTAGE RATES may vary frgm e or dwlewe band onUw etwed h The WM Boest J=114C pAw rev dkClow to ym These cherves will rr des of vor bMnr tended Nor rrlomMl. tlwumeor Mt b aat a INK 11110M 5. Meal er" Fee and Retwrhg Your f"WAL r a mwoer+ttpwe s)rpnrs on the srawrnL wewM credtrr fee ryou retwstb Wetyourawoutwlttn 30dwe Of" aceo doroott pprydwlrgatdeemr aramq owed aoO d on 0 it& 1NS awmUatmtrnth In ich In 9• T^' pes q dri'a,' a ayou use yaw c" cwd«abxmM bbryou request to cue, any mem6wst ipha prevbwb welrad rnW be r"i steed"your swosiL e. Cbeeig or $W pen" Yaw AV W W L You pray Mgwet tMyw acewit be coed by eaaarg der Wd" Our coemwr PANdiaw DpwwmRmt Attu tarn Of Yom rsQuesL wowM ponde you wth %kMk* a dOM on a ooh" your wcwK TMs may tedude I tt«rnatlat Or You Uw yweredt can «chrges poi b Yorraxourt awn you wk w to dab youraeeamt. we can MOP MV WDOU t open a reopen L we pray Clow «ewper)J Yaw sttoet and your rgN to obtan credL We may Uo dew r any Woe old for dry reveal even ryou we not In dwwaL Aswpmekn dYw wco ra cen be peeme nerlatMrp«ery. If your attest Is cbesd or owspsrged, you not slop wing Yon VON and and account You mud aim area M pnatorind bung terang"a to the mmura. We Will not 00 V& fa you. a era dab «grrrwway smwPwM Your attonL YOU must nab dew" Y a" ants and accent nooses ~Ici. You meat fa pet, Y ammo he you owe wan the scout. even t dewy wen dwW abf your account w closed or t. faff" nenwPayranw. Permed you nwaa w wen be credited ayes wcou t w of the, bueMs dry ors receive R pomw (-)You eerM tab beam tbnlo daft pubme t and your dwelt h rev srcbsed rermtlramce envetape aM R) you pgrnwt k received in w W-mi g cwtw by 3pm ET (12 noon P4 Pew allow r kW Me (5) buelwes days 1« paeWd*fwy.PW wbmetedbywaayder beedon «n ty orwr bm mp not a aOdlwrr AS Of dew aw we reosav awm our Owkwes days are Mornay trough Q Hula AbOUt Ebdmft Moset Convertible. When you prwW a dmeck w pormertt you atlralte w ether to use, ktonredon from Your dwde b mace a orwlFne akNOnie Fend Otter from Your deposit a0murt art) Procne Utep"mettes a dread} oarwaNOn. WMrI we w raoma on from Your dwell a new en ekctorae fund Fernier. Nlde meybewthdraw from your dpoat oom as won ea tab same dry m note Your paynrnl and You wM not woke your dnwk beak from Yw IhrcM WwWAOL YO r aWO WMn w net-need by tab dale on t e dwM We rrwy numb" rM ekNatwty Mxt returned pierrank. B. Ben rup1q. It you are w1Fkd to bWOtpley prokdbrw for your mcout; no arrrnRtcWat is only for ttorttrtlarW Purposes. U b not an wept to Collect O"m or recover a debt or cairn Do nal wM any psymerts dffo* a w nano} apeYYq wilin your banhnpky attoey or Uw "WWW.Y Cott. r you wart to caw w aoout your WOOLnt «ywrbarWupty proasahU. peeaes hr+a yea atonwy oontad u0. }SLUNG FJGHT5 SLMWRY on Case, d Errata or Oweltew about Your IoM) N you Uwe your ON Is warp, or ryou need more information on ab resew rl or ben, wbaw on a aepraw reset as Won a, powtieat Ow a dies for ntli rlel stotwt an UR Foes of this staRnwt. We owl freer hamyou no ear M W days aner m sea you dabfW b1 an wFkh tae"nor« pn6wm apptred. You can at our Cuebner Rerstbne numoor or no* w by emM «wabNw, bur doimg pwtl IIOt Psns+h's Yoder PlQflle. h yourlelw. gas w rrnbtomNypimkrrrmsllout: yourtwne rq aobast mim w, tw4ww estop} d tw r opomd ww, a description dtlw error aM an watrwon, r poesCwt or why yea betevs peers k an error: a t you need non rtamrtlon a dowfplkrrdUw NernYOO an uwua @bO& YOU do real have a Puy ay trout h gAWM whb orb alOw10elgafng N, out youandewobN lopoytnefunsdyonbOtWwnoth gawks wwwwe kwooopte mrquo don. tte cannot report you w deftpo t«wke any action bond the amount you gxwio n. t special Rub for Credit Can Pwdm" t you hwe a proUMn with rw qudty of PmWtV or a res Umayou purdwmd win a cree t cant and you mow vied in good laun awrrod the Proawn ern 1w mrdwrL you m1Y haw nee rightrot b psy t» nneieg anon} dueon dab properly « services. You have On pwWion dab when tab Prdnaes price was mess than $69.09 and the pwchw wen node if your Mme *019 or within MOD main d your yraN adRwa(awe awn or opervie Ow mererort «r we mated You Ow aatdbwnwt for Ow propmy «services. all pudwesn so wend repsMkea of aroot a fooetim of purcM+s.) Pkwe rerrwnt+em b sign rl wrroepamderce. t Dabs rbr apgy b twMness aomunn Copts One supporls raonnadim plvaq polection: w w Nate" se fMw _ or qRPKW one nnrnclal CarPorr Ion. AN Af is reserved 02WO Capta one Changing Address? Address ........................ _......................... ........................................ Home Phone Alternate Phone ........................................................................................... 8027442 E-mail Address .............._ ......., .....,. ...................... Please print address or phone number changes above using blue or black Ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: ® Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. F it f Capi? ;;1_._1n your wallet? a+` 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 cal or pay the arount due on your statement by the cue date to a iminate the risk of being charged off T91rA0Y C'eprur! Onr, C term/ Ork it a frAtrw.7p rtRrurrtA!rnvrr rwrrk. Ad rq& rrierved FINANCE Previous Balance Payments & Credits OARGE Transactions New Balance Minimum Payment Due Date $2;029.68 - $0.00 + $40.48 + $78.00 = $2,148.14 $562.73 Jul. 06, 2009 May. 12, 2009 - Jun. 11, 2009 Page 1 of 1 Visa Platinum Account 4ff2- 16797 -M Your Account Infofmation TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 Inancie Changes (Platy a" reverse fa irpon4urt infxnatim) Balance rate Periodic Carespahirg FRIANCE appled to rak APR CI(MM Purchases 52,067.93 0.05342% D 23.15% 540.46 Cash 90.OD 0.0534A D 23.15% 50.00 ANNUAL PBtCENTAQE RATE •PPBed tlh6 periort 23.19% ATA AtYowSwAx-Gobflgy rn bmwgp)o =.rL or Cat 140I R3wbWonabsLarabincard orVwkloCW.W new" N; Ask PPapyleOrawt fflmawildm ormdl)arpWrimtb: 78272.1083 Boo(USA), NA. - P.O. Bm 71083- gmblar, NC $end Inrptrks W-. Ceptd Onr PA. Bur 3tt285- Sal We W Ur 841380785 Have a question about a charge on your obboad7 Please refer b the Wing Right Summary on the back of your statement a visit www.aoitb &gM6nj%x&s KEASE PAY AT LEASE THa ANOUIrr YouYe behind by Six payment. If we charge off y out acxount due to fete, or missed payments, finance charges will continue to ao rue. Aol now to prevent the from happening. Please pay the mirtimum payment arnourton you stat=merd or gkve w a call at 1=955.M. Wv1e here to help. Take Oc&A of your crack with G{Nal One. "irpzrtant Notce * Ulyda the leans we previbusly disdosed a you, you account is nu& eligible for an nomme in k" Pe? Mks (APRs) effective mnadiaieFy. HON". Copal One has elected not braise your APRs at fie fine. I'lesse be a&ised stet Iyeu fair to troop you account in good slanQrg. Caput One fe9aves to fight to fain your APRs in to flue. Pa MwIta Cranks & Adilastments Transactions 1 05M PAST DUE FEE 539.00 2 11 ,LM OVERLUT FEE LN 11,1D09 539.00 You awou t is 9D days pest to and your Peyrrnert Protection coverage has been suspended As stated n your Payment Protcotiar ageerrne nt, your mrelge and moift Charge will be rO Weld crhce your account is to longer 90 days past due. You may still be eligible for benefits to be paid for your account for loss everts d!=bW n your Paymernl Prdecfon agreement Cal Slonebixi a Bereft Services at 1.888527-904 to we if Your skuNion dallies for benefits. You account has gone over its credit knit To avoid addlt" overlirM fees, you should pay more than the Minimun Pa rient Please pay enough Oo bring you aocornt balance below your crack limit inmatvlefy, and make sue you account balance remain below your crack f nfL Pfease be sue the arraut you pay account for any future Purchases. fees, and Erna ce Barges. You wee assessed a pat due fee because you mnintrn payment was not received by the due date. To wW din fee in the future, we rapmmerl final you abw at Iasi 7lbumws days for you minimum payment b reach Capita( Eke. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO %MYW.CAPI1AL0NE.GOM TO MAKE YOUR PAYMENT ONLINE. Account Number. 4862-3626-7337-3364 Due Date New Balance Minimum Payment Amount Enclosed Jul. 06, 2009 $2,148.14 C$562.73 PLEASE PAY AT LEAST THISAMOUNT 1 4862362673373364 11 2148140106270562737 fi9016304003134003N JESSICA D MILLER a? 36 PIPELINE RD 8027 r442 NEYVILLE, PA 17241-9759 . ,. / Y??L Ishlrf!(ra,rl'lytll(Illllrs(bsh'llrll'(Indll'llhllh(III!Is ?... Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay ocllne anytime-no more checks, stamps or clutter. ® Moving? Change your address online or on the hack ® Help save the planet-Go paperless. Sign up at www.capitaloncxom. Capital Ono Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 h11IP•irl:'iii'ii'li41III, --Iln(1—11-hIq-Ih-11111111.1111 Please make checks payable to Capital One Bank (USA), NA. and mail with this ouupon in the enclosed envelope. JE551CA D MILLER F ;? t 1. How to Ana a Renee CMrgt- ..Grace Pabd. You WO how a merman grace peiod of 25 dip Without finance dwge on new purcheess, row baeno tawhn, new awdd Vlabfaaa ad MW dew deagte ryou pay your to A IN- BWWI. in acmro rpewinter important Noece fa PaMnrte baron, and In M for tbbe aeaed by your PaYMt dw dale. Tae is noble t pabdan cash WMICes and spadaltrarwaer. in adduce, tlme is no 9-M Perm on aw ewwae0an r you 00 ter pay ar bra '1Lw Bafarv." b. Aanrq Finance Charge. iMrrCaona W*h an not subpotb a WMV period M weeaed Mar" charge 1) fron the die of rietaw gbmor z)rrom tw Cat the taea w as ProoasW to your Acowt a 31 from VW fed cabrpv day cc v*vA wt bale; period. Ad=-*. I you did not pay, OwMw Baewe" romtr Pl0flas u ft k to i , - our ae weal DdK" b Para in ruL Thb naaa art you my qOA ow Mwwdapa, wan ryou py aw coats New Bebfm kdaledan lw (rota dyw*Wrmd by ter P Wmwt dwdO• Mdd not dowbrtr pwAm .,Od . UnPW Mtabe dnaaga w NdabtrapplcapaesapaastdyarACCOaN. e.laaYnanFhaaaata (oasis F«taoh berg pabdar yW amount is wtpd b efeasovdrrp. a Mrtrraan bbl M WJCE CWIROE 0($D.50w11 to hpned. d. Ttrpora y RMNtatn In Fhafw Charlim WO maws 9w right to of area any ter d lrNnCe charge fa ary 2. A?= DaAr a Qrwfeing Nee Pttdwah Ftwre crop W eMmAded by a W*ft to dale banned each agtnMltayw amart0.9. Can 2*U= Publan, opweW bwrar, are special PYChm) by rim cameponaq day F ', , , MO)V af has bean the U" 1011011, News apply ing may "Well: nft for eacn eeynrtof you anvut to 9w ddb bibelot or Wh uP wWnr ft dmNaasedasan ML'Ub M ID Wd a ayoa rewa? ran moor aprorb amv w.w w f?? ttmce Burge Rxyw account Togw Ur day Iralaroe fa wan sepnertdyou We wodermmcq bsYrefaa.eheaar ast send add any row avaselora del balms br gat 901111. We tM tubbed any pymen6«aeas board a ant dy, art as abated to sal tegene t TM goes w ter *opera* day bela nceb agar seprwd or your wobure. ybwwa, ryou peat aw M" Saute Wpm on yarprwiow af learrert In IA (or If yornewtamswasarcoraClaraambar .row uMwaobnr. whkh Peat byarpaaclrte or Weds cda" wmpd*bdwm byaij*gM d* bdoww bgdwr WWdelaq law sun by aw ranter d tha drys in ter anent baling Cycle. To akntNeyor tad Manoe deappe, mbelpy yw avaa;e day bdete by er ivy pefbdk at eW by wren ne w of dye h ter tebng pntot. One to rm naq on a day bash or 4W to mbsrsen Mince dwp araeamrt two may le A vadw" beaveaa tie Ca1CWfbn and dr ((odor dMrnce Charge ammeely awned. 36 PAMM Pwoldie" Rat- VM a M term"Amos Paroampe Rafw'rtay aloes w "APR' an ter lrarad Uaai afalrrwnt. 0. rme WOPPRO" Prkroh L(Llaterly LIBOR.C pawriy CM or 3 psaftwd Prtn)appws an tluro t drill eleerrmd ass tote perbrh ne"( er pnbdk rates and =Tnpwdrnp M9alk1L PEf1CEIVAM RATES may vary q or aly and may i naeast or decrease based on one itaed I n , N fond n TM Wag SUM Jarmaf. Para ter rtrgbia faav(bWN asebeedbyaa Raw daspawNbe40ctkoanU* b&V pww Covered by your Prbite "Ameat arx" in 8* rt dJvaary, Joy October. Q B Ow Code D (?.brrdl' F vtroh F F VAN" UOM d 0 (T"Ury LIBOtg WPUM anda(rand you Marston need to the pwbodo rarrtah to pwbdk aim and antaepdpng MWOALPERMWAOE RATES may vary matey end may hcrMa or dscrtwe bNed oar aw sued edibles, N foul In The Well SUter Journal, pas one margnrawbity ee- royou.TteaaCMgaeatbe OffOdbmCn Ur fNtdy d ywb6q pebd wan maaL a. AMNartnd of IoM. CV~ anti Rbt&Md Paynart Fees Under Ur lenrw dyer onbrm aaMrnt, ws raarwawdpNt b Wow a not M ascent ay (mien VYYndt priorearl( dimbyou Mrrdw'aMVwtighttoseas tlw era «saMerMN a alalerMrr. S. edentrenlnp Fee and R enter" Yoe AMW IL it ¦ rtwnarewf+pfe?apptera onrim arasastwswt) cramew rte ryw roWWbcbw you amountwrar130dys der as dbbwAWrwnt YewnaycomkmbaseUs wcwt dump law 3o dry psrbd bworayoa M*Not Iryou donot pry Y dwrgee owed on ate account wMh h 9(Idels, «a yon wyor Croat card or axwt ttryou request to elope, any muter f Im prwbwy walW my be reewtdod bye amat 0. CbMq a Uupanaq Yoe AMUML You may requnl Out your account be cloted by niq or%Mq w Cuafaasr Reldors DepartnarL M I* time of yw rar*MI. we, wit VW* youwth arYliasl dstob an cb*q Tar WMAIL Thai may M MO Payment taondbh rya Ute yotrcreditCadorclo pad to you accourd after you ask mo to claw your amasL we an bpywexwt cPSw « reopen L we may clog or reepoind yaw accost and yo r Via ID obtain credit. We may do all at any lame all for any reason, wen rya aft not In NrMi Aaspswlar or you wCordonbepwnas OrWp .9youacotutto CbNd or awpMa IK you rteslteap Using YOM area Card and account. You mot oleo areal ON pratl06M NOV rumparnertk to to spat we we not dblnai br you. if m Clow or penrwwndy enspenwl your woout you maM duo destroy d ere* ortla and account axes Clads Yw mist so pay d ar outs you one w on rim ALMA wen a 2" wire derged after you attain a cloned or VAPOOKL T. fAdhy payments. Pymarra you not to w vAl be credited toyw account a of M bdkwe day we naive L provided(i)yousendtr trot" porNm drilentafmnant fwd your deck new aroloted nrrAane swekw and R) yw pywwa Is reoebse In w proommkV cater by 3pm ET (12 noon Pin. Pleae allow d bear We (S) Weaves days for pwtat ddvey. P*ww b webad by w af any other bacon or In any other form mW not be er*WM M Car a" we (eCeaie ern. Ow wahm dye sae MM%W aNOph a HOUM Molt EWCMM Ctrak Carwwabn. Wbel you probe ¦ dose a pamnt you auaaw a ever b use tdamaake fromyw drakto maim a orneerne etalreeorde led taldrt Nom yaw tlepod acoara or b promote tat Payment n a drat telealeam When we ue- aaonnMOn tom yaw duck to maim an acaeaorae fund learofw. Panda my bewltgravn from yw depoet acomt asoonasareenrdeymowwelveyonpsyme t antyou war rot mce"yow CWCK baactan you fkn/arbaa facia. Your ar&OU NM Y not arced by tr doe on to Croat. We may rewitrnrl and eb"ik; y oeeU rauned Payments. 9. ando pkY- r you we naiad b ba.ouploy proWdone for youwomm Into cwmrm wbnaai ony for hbmWkxW pupates. N le root an aWap b colacl. amen «reaaer a detet«cleh.Donottendairpty rare dnctybm whams peOUM With Yaw bean4ky dbnry or 9w Barabrupicy Court. I yow wet 10 =09 us about your Wait"ororyour ankrup"Procaadng.plasmhaveyW N#mwy Contact uk tSLLING RMTS SLMMRY Urn Can of Enm or osWaw aWX Your Be) ryou trikyw bit It %warq, «ryou rand mamt(ometion on a trawaction or tell, wl?bus on aaapwrae afwa N soon as POMM alto arkMm r«knqurMt WOO on Yelolldlob suten wt We net Mrromyoa rr Mw fm 0D daye dW we eatyw tr Ilet ewe wiadn trert««pnabtent appeared Yw on oft w Cualw o rMl - number or ndey w by wren a wsbde, but drq sows rnotpraaw yw tights. b ryas boa, garew to foNb.Mq Ynfwnnalbrn: yar scot all aocosdrsrrher.lM Cato amouitdtM enaapwMd wa.a - dtea"m d t eaor anti an eapM nabn, r poestae, dwty you beNvelMn ai an ww.. or t yw nand acre nbrrnndaa a description of Ure AMM you we aeon about. YOU do not haw b pry ay amour in qe*M Whileyn ter knwalgdrnp K. of you are M obftWd b Pay are pall of you be tot arm rot In gawly. Whb vw kMOSgab ywgwabo. we Cannot MPOrt you M pond or tae any action b coped the amount you t Special ewe b Cr*M Card Pwdrsas r you haw a prooltnwYe aw q+dq' of Rap" ter envies lhalyou Wasted win a ens owd awe you law MW n good tats scows tat proW. wan ter rrasdasnt you may hoe ter opt rot ropy as raraYrq arwat dr on to propwy a ewvkes. You two ate Prtaadbn any Mini M puonate Price Iva moue tan $WAD and the piechw was marls in you lame ttahl«wlhin too mated you mafrq a (tee. (r we own or operate ter mtchet «r we naiad yw tat A&MO MMILfor 9r properly, or Mvlas, d puldwte are owwedrege fives of amount «bcal or pacMse) Please ranwniar b ei;n d correapondtta. t Doi not apply to busarn axowNt Capita one swpwb kdannadorn privacy probectan: see W wsbetkdeo&UU LCm1 Capital one b a edway (40mv a solo ROA of Captal one nlearld l CoWalbn. AN Vale eaervsd 020M Cabral 4v Changing Address? Address ........................................................................................... Home Phone ........................................................................................... Alternate Phone. .......................................................................................... 8027442 E-mail Address _.., ................................................................... ....... . Please print address or phone number changes above using blue or blade Ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. using a different envelope could delay processing. • Please don't include any additional correspondence. - last but not least, be sure to write your 16-digit account number on your check. Z' N00000032373051.AO49-20091216-20090713stat.txt i CYCLE .4 11 CAPITAL ONE CYCLE FACSIMILE REPORT 06/12/2009 - 07/11/2009 PAGE 1188 ACCT-ID: 02673373364 CARD# 4862362673373364 STMT-TYPE: ENGLISH REWARDS: N FEE-FOR-BALANCE: N PREY-BAL: $2,148.14 PAYNENT&CREDITS: $0.00 FINANCE CHRGS: 141.40 TRANSACTIONS: 539.00 NEW-BALANCE: 12 228.54 MINIMUM PAYMENT: 3664.73 LATE FEE: $39.00 DUE-DATE: 08052009 CREDIT-LIMIT: 1566 CREDIT-AVL: 0.00 CASH-LIMIT: 1500 CASH-AVL: 0.00 OVERALL-APR: 23.150 TPC : VP HOLD: 000 CLOSE-DATE: OOB: N MISS-ADDR: N WATCH: WO CRDT-REV: PD OL: 05 PD: 07 CTC IND: INS: 511 PC: 0000000001 ARCH: N REASON: 00 HARDCOPY: 04 NEW: N EBPP: N SERVICE-OWNER: 000011 SAG-PGM: CLOSE: CHARGED-OFF_ XFER: FRAUD: BK-HOLD: N BANKRUPTCY: N CHARGEOFF: N LEGAL: N FRAUD: N TRANSFER:N CTC-CHG-IND: PROBE-IDS: LINE: DELQ: OVUM: AUTH: REIS: PROD: PRIG: USR1: USR2: USR3: MESSAGE-IDS: PAST-DUE: INSURANCE: TRIAD M1: R0002 TRIAD M2: TRIAD 043: XFR: TEAL C/I BALANCE AMOUNT RATE CORR APR FINANCE CHARGE JESSICA D MILLER Purchases 0001 01 2.175.82 00.0634200 0023.LS0000000 41.40 38 PIPELINE RD Cash 0002 01 0.00 00.0634200 0023.150000000 0.00 NEWVILLE PA 17241975938 US TRANSACTION DATA TRNOATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 07062009 PAST DUE FEE 39.00 07062009 0 N4862362673373364 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Page 1 8027442 r a r CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Amended Complaint has been served by U.S. Mail, Postage Pre-Paid, on rday of N6KM ', 2010 upon the following: Geoffrey Biringer, Esquire MidPenn Legal Services 401 E. Louther Street, Suite 103 Carlisle, Pa 17013 By: i ? 0 t VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating to unsworn falsifications to authorities, that he/she is , (NAME) d4pd12 of & k bg-& (U?. /lt., plaintiff herein, that TITLE v(CO PANY) he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Amended Complaint are true and correct to the best of his/her knowledge, information and belief. 4862362673373364 ?V?io,D,- )?&? ((SIGNATURIV (-J CA_1?_ j)S/()27Ll q Z PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) \ ,JE ?_J ??2J__?. n14y --- ?z1'C on Ie l,a•..'?_V -------------------------------------------- ' -=----- -- ------- ----- ' - As)e_ eff ---- --- - OF CASE CAPTION (entire caption must be stated in full) - Cq,'{t.L Una ?Gn (VSA),N,4,, O m M vs. . -mss Tess ; cc, JD, C) No. 3? =' S 21 V) m C:) _ N p 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurre" = ?-- ' complaint, etc.)'-? J ?r ' JJ L- /?l 'l ) 01 j ?° , _ n , . !' 1eljef(111 ' en k e ,g . eLri..?r . . 2. Identify all counsel who will argue cases: (a) for plaintiffs: t, 00 601 B,: j (Name and Addr P41,jk, Pq , is Zla (b) for defendants: r.' o? C. Lourid,p,..- Jtree1L. S-4e- 103 (Name and Address) Cnrl?je,,_Pi . Il'ol3 3. 1 will notify all parties in writing within two days that this case has been listed for argument. / 4. Argument Court Date: n' ,? tor( A,.4- Date: U Z Prr''int your name Attrney for INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the Praecipe for Listing Case for Argument was served on the following on this 2 day of 4r 20 (f by first class, U.S. Mail, postage pre-paid: Geoffrey Biringer, Esquire Midpenn Legal Services 401 E Louther Street, Suite 103, Carlisle, Pa. 17013 WELTMAN, WEINBERG & REIS CO., L.P.A. A By: Attorney for Plaintiff #1. CAPITAL ONE BANK (USA) N.A., Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V. JESSICA D. MILLER, Defendant NO. 2010-3035 CIVIL TERM IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT BEFORE OLER, JR., GUIDO, EBERT, JJ. ORDER OF COURT -WM v zn r- _; = -° < C-)? 4 z _ n c> AND NOW, this 8TH day of APRIL, 2011, after reviewing the briefs filed by the parties and having heard argument thereon Defendant's Preliminary Objections are GRANTED in part. The Preliminary Objection to Count II is OVERRULED. The Preliminary Objection to Count I is SUSTAINED. Plaintiff is given twenty (20) days to file an Amended Complaint. f Sarah E. Ehasz, Esquire 'Geoffrey Biringer, Esquire Court Administrator _ in bin pir? cop ?l ?iA6 B e Court, Edward E. Guido, J. :sld IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL: ACTION CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JESSICA D. MIL,I-ER, NO.: 10-3035 acv ,? ?. , ° a c a c) ; Defendant TYPE OF PLEADING: SECOND AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF TILLS PARTY: Submitted by: Plaintiff Sarah E. Ehasz, Esquire PA I.D. 86469 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 8027442 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA, Plaintiff vs. Civil Action No. 10-3035 JESSICA D. MILLER., Defendant SECOND AMENDED COMPLAINT You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 'IT1IS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER, IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABI F TO PROVIDE? YOU WITH INFORMNILON ABOUT AGENCIES TIIAT MAY OFFER. LEGAL, SERVICES TO ELIGIBLE 13ERSONS AT A REDUCED FEE OR NO FEE. I..AWYF;R RF'I'lIRRAL SERVICE: CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD ST CARLISLE, PA 17013 (717) 249-3166 AMENDED COMPLAINT AND NOW, comes the Plaintiff, CAPITAL ONE BANK (USA) NA and files an Amended Complaint, the following of which is a statement thereof: Plaintiff is CAPITAL ONE BANK (USA), NA, a corporation with offices in 15000 CAPITAL ONE DRIVE, RICHMOND VA 23238. 2. Defendant, JESSICA D. MILLER is an adult individual residing at 38 PIPELINE ROAD, NEWVILLE, PA 17241. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. COUNT 1-UNJUST ENRICHMENT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. 5. The Plaintiff made an offer to the Defendant to open a credit card account by mailing a CAPITAL ONE BANK credit card, bearing account number XXXXXXXXXXXX3364, along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendants. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit "1." The Defendant's application is not available. 6. On or about August 26, 2006, Defendant subsequently accepted Plaintiff s offer to open the above credit card account by using said card to purchase goods and merchandise. 7. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from October 10, 2006 through July 11, 2009 are attached hereto and made a part hereof as Exhibit "2." 9. By making use of said card, the Defendant has had a benefit conferred upon her through the use and enjoyment of those goods, merchandise and services purchased. 10. Pursuant to the statements attached, Defendant made periodic payments on the account with the last payment made by Defendant on the aforementioned account occurring on November 12, 2008 in the amount of $50.00. 11. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the principal balance, finance charges or any part thereof due, as set forth in the monthly statements, attached as Exhibit "2," and as such has improperly retained the benefits conferred upon her without payment of value in return to the Plaintiff. 12. An examination of the statements shows that Defendant paid off the outstanding balance on December 5, 2007. 13. A calculation of the charges made thereafter minus any payments incurred is: $1,038.96; this amount does not include any late fees, interest or overbalance fees. WHEREFORE, Plaintiff demands judgment in its favor and against: the Defendant, JESSICA D. MILLER in the amount of $1,038.96 plus interest at a statutory rate of six (6%) from March 25, 2010 to date of judgment plus costs. Respectfully Submitted, Sarah E. Ehasz, Esquire PA I.D. 86469 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 8027442 CUSTOM) Welame to Capilai Oae.w We as pMM to have your aedl cud account. This hloirmalkon about your 7ocaad. Please mad b and keep N Cusbmw pgreanMcerhbhs W you nmrd. Your oookad will in for he card as account ?W Mile AC ) cor"Is Of ft Cwloaar Agreemae. Wp l* wMi any dagp Agaanp that we male a provided below, tw Staidly, Account !N q?kabb? the Acoaaa AaWmnent Agresafant (N appdcaDMM))?, Ca?pw One PrivxY NOtu, any accouirt disclosures provided and dau nd to you paaaa le or M In inhe your aocarnt opened, frAft dfsdoawa pwaaad b ngeMsdMnb of Tndh in tending Ad Nur a =d 'fAA Account QsdoWra== AA K and say and s11 es We RAlft aaay+y ebcburric or dOAsl eig-I) on any applcalbn. saes sip or ode nd h0edrtadrhee on your acoouet In this Agrsanrrl to vlOrdt you' your and loud robes to 00 parson de mlgned the appfafon for to account grade, a 'ldm a scour ldien and b an yom ales Who is st"Ina to use sat WDNM in arty way as spodlc* ow hereh each of earth an kuMppod??a?W41:1111111 led ends via Apneaiwnl The wordd'we: W ad 'our man GDtai Ore Bards teal its faoaesas, aagn. Write andfor Kov tad +speaaanbiva. N des aPPicafba for to ao0ard slow fat Ito sac we will be a SearLY NcormC h$ mesa the Irahds you hew pledged to us to Miss yaw mceunt This Agneswmt and to Saoety Aocaerl Aaeloeerwm Ap~I (if applkaba) 40 not e.w. w, .?. nt,., C-brif Oee mash amorad MsMt you war hm other new or in the Awok as pPWW in n #0 860^ Am" Oust no se ared by asuny y0e11?10I P10111,11110. A1 W bete Mea. The card on ? mPd- and we ems We de -%F1 w iemehs at any time upon requesi, 005ti3 ER AGREEMENT credit ka aver o those vanaappns rwli in an ow b t lee, and lroae esnss?araanbyrdrAapid (Na???? and the Securk Ao=W g W in aedk led will not result in an increase of your credit fork u iees we expressly no11fy you 00rersise. Additional BeneOls and Services. From We b Mne. we may oft you beriallb and services with yaw eCCbue These benfb and services stay be provided by us Of MW PV Urdw e%Vmssy made a pert of Vris ApnaewM, and euepi as provided in, t*Ar *dm Froviabo below. any arch bensOb and arvkae are rot a F LA d 11ds AgneaeK and art suadmlyb ft Won; and wndMors ouNned in bmw% or smites bwdaae and of otfidel doaarwke pruvi11ad b you with rasped b the WOU end servion We may Wd A add. of "le Weft or services al any Yne in all,, 1, hoe wM the broNues or dormer es you receive. In addBon, any such bm%or service aft-ad le you in the amist durhd version of lire TCd& is Berwib' shell mom aal supersede f10 bahe11b and savior Mat had been edtas I to you in al reviousy ranker d the -Guide to Benefits.' wftut further noft Faapl a prowaad by applicable law, we are rid liable, for benahlc or sem*s; WwAM by thkd parMs or the action or omissions of those hkd parties, Asking Payments. You Proumve b pay us and am - tar aN snowb cue nesuNug ban M aMnalaed use of you card or account, hcJudkg any lsarm dorga end atlha drapa de araair to tarns of Ws Apnannl. PWM* mud w Made h US. dAm Psymwea calla by a dads anoney order of other nWtk& kweutent (as Temlmmust be in a form aCceptabla to us and be draw on a U.S. frminclal bsiMJdah may allocate payments and oewr credits and proceeds among dine robes sepmahb d your Somas. and b chaga and pdmdpid dw h err in any way we dealndM, b4oft balance ((kick dkg new baeeaon) war lower annual peaceamape mites J APRs) Debra 6alarrcet with hVwAPRs. PVPWO arnent will beMO a?ed at yes account as a Uw business day On YW we, iL rac" alt Prouidad (1) you sea he nnefiame coupon Canfoah of yaw llaabdb "Kneng docic in to remilaoe eavdw provided and (2) your paynaanf is and Yarn memm d n our Processing castes by the ire Wombed on your periodic alalerre t Plan allow at bat fin (5) businea days for Path debary. Payments naked by,w at any dw twdon or in any Ww loom may not be uedMd es of ha day we receive linent. CmA availability am be business, de ro in ow Monday - Saturday. sockellint; 9* discrallcort to errmuma poyartant in good Jurtilim. 11 we accept low up to be (or )ddts, This may cam you s to psymeM lees art! ay?mean ddMawl finance charges, and may esua in your amount being dedaed to be in do" Any aidmwn payrent that is Out we be staled in your periodic sfteemhent You must pay at leas, the minimnan psymenl We by the dale stated in your porixhc ilawrnem to avoid a We payment Ica. ibwavar, you may, ppaayy more den Vo minlesm palmed Of pay the basnce in kri. In any can. ararrce Cho" WIN COnhaw to be massed dvft bWq padodt that you terry a balance eegardim dwhWWanotYour OMPrO AshowsaMiAWWapayanldue. We cart mcapt ble psyaemt or pwW payrrems. or yens marked 'payawnt in fur or pew akahr kmgwge, or payments with a reouesl to apply he P"Taw in a pa11aeer nwa10r, wihop loeirg cry 01 our afOhfa nwtda Ors Apanwtd dkg OW 1110 to recedre WFMM in bL No pgmem fhei Mwrsla a an k W accord and sddm*n wMwp our prior wribn approval AA written any ft* or other peylr at kwalNlwa tMMs that ft pwmd m?idslN?vla'Dsymem in aril of kid s"o"on of adspor that It u d anm keur d MA b y be other co ft - or limmillatiorts or MWW Of ddwe edd b Caput One. as Boa WO, Rkhr ad, VA 232* 010. You will not asks Frym ervis horn funds obbkwd gar he account or any ode am & mox ourw w1h " If yew payment s made to any aWw addna, we may accept 1110 Wymsnl ~ b*q any of t YOU saes w ire s) W nrWw p your on yarraaoano You eu us to Wlsn sett a ane4kahe tastes been om your bank acaaml for lw amours d the dad as kakalad by rertwriCal dpib. This eutlarbefah applies, to at dedr(s) necdved by us dWNg to W" period awn N sent by so nsarna mass, asw you somma is your aged and ova provide) well Uwse dkdoaua In advance. This wtbnh Is nl n sOcied by the dolt on am dock and Includes reManieNas. We will not be baled by any restrictive bpW or mWillar aPPaaArv on the We or mevarae arts Of do dad. 0 we cared process Vw efmb0nb IraasH. you sulaoriom m isfl aasi?aiAar ?iud?r you bank account by aocessinA l he check. c we mry adlwl your socow as ap roW4w 10 coned mars. returned helm. =may, and skrdlar ao0as. We may, In our eoN dsas11a, cite an egodW payment service. You am not required b we lea rirvloa. Wean you auttoAxe us to Process a demand drab, ebcft* ACH debit of of expedited psyrrsd method for account. we a" an VWA service. We am rot ? "Womoble In W any ?Ironoc ghe paYOU 9100 rval by your Aeposloy kgY4Aon and may abh on hem fie evaa d rich dishonor. M you 09 your nomad number or oAw account WomWM to PWIW Pawn to ankle a psym ant for you or to ad on your W4 you agree feed we rimy discus; your sompem wih Mel person and pwx10a dragTrand n e N were wade by you. You kWfw on died you will be MwAb of aaoequences d paymW H nan•laynard by srcb pay. kldrdkrg epid0ad fpaiyrc?wme , to edam psyra10nt ble to step peymem on axnai beheN 04 OVIN W bft We MM" 019 or perra ll w0w pow to ad on ny your IaN Periods Statement. Each month dot you have a aeds or dabs bWnce of more than $t in you socount we, will sand you a perlock sbMrhsm as and when bayrow accby applicable law. The periodic sW~ will show ad ount go b &V patted Tire W iV paled is are IW t loom blood one slatirmar t do" dab duough and Inch" the ran aedsowd doaq daft. *he eWa10ni dombg dab deleannes he aorWf of a spa* bft period For sample. your January Wfrg period Is f10 W R period with she slparneat cbsiry date lal January. Fimnce Charge, You will be assessed Hance charges as previously oklmd b you a pan of the TLA AccoW Disclosures or as we will disclose to you N reputed by applicable low. Te mporm Radudba In Finance Charge. We rasa" the right to not asses my or dl Macaw defies la any g1tM bWmg pnbd wMIW1 weskit g MB ryld lo saes such fkwnce dog" In a aJhre b1Ntg period. Other Fee and Crapes. The bioekg fees will be billed to am purchw sewn ent d you soo m end will be treated a e per as aa0ptek?ot your milabb Rook AmR Wlhea Ofwwesa apeWNd evey Paa1ou h which her a? (} A lab peyaw d le will be saeaad N we do rid ncave your Palmas kr Mrs for it to be aaiwd. as prodded in this Nwinwk by % Oslo tbwd in rur prriodc sWemenC (Ig an over kM fes *1 be aced d Vw balance of your account (apny sepaad of Asst women. We may aanlH you awwK the Smelly Actouni (N eppicable), IN Seadty AOWWtt Assipnnad Aprearant (N 110pimbfel "W our rlphb Waa I Agramad to e 4014 -Tat aet?s a wig mend Ydaab cab our OM linden his AgrmmaK The AWP A (11 spoWT1) arhd the dk• Account Asdgmhad Jpwenwrq (N aD la) with raped D IM ?waaaIs e Yawiemd. Tina aer?na may or asy not be an spurt dGPnf Ora Bak. You mwt pay ft aaigna and o0wnwlse Perform M d your ob11palloars wow theme agreaaarb. You may not tleaehr your awmn a yorr 4$o wrda 1rb Agnemal fur $-* Account (d applicable) a Ma S,mms y Awourd Apip mart Adnenwn) (11 appieaNtl) to any pennon or endpl with" ow aapsas ivies wnMen anti grA?ad b 010 Waaadnp aaMahot, title AgreaewM aii be W04 and bat to the bantfa o(you and our respeeive auaeatas, ea4rs and Using Yaw Accaar. You can meta purchases and obtain ash advance V cash advances are an option for you _? ?'QQ by uskng your card, account mmdler and any sminl now dwc s (kndudhg?Pwa use Clacks. Cawarisrse cneft S"I Ttasbr Chatb and Other mkria dads) to we may send to you. Addi o aby. You may request a sop PrAWK on Mount socess daft but we rearm 1110 60M to cogs you a fa for such arvkee. When we Provide you with Dom" Maas needs, we will lei you whaMa they will be Nod as pxdata. ash advanots Of tPWW vanders. Unless we "Iyou odramwin. Corwettlence, Checks will always be now as cash advances. We ray abhiah uilbra i segms your aaount. such as a purdhna s*WNK a cash advance SOWMA and a spaded lrarshrs 307W d Each Otter ca to lams W condiGans i10t an Moment than Most limit lie aW" may be appillombla b Our pa 1 N shy, ier any wm%kd dahorwr of an aoeoiml octet daek is kahad to your a dmaga sW sari rid bwkldt any oahagtmenliai damages, and in to event wit 11goad the anuountd fur d.*. Yau apr? not to 11111100 ON a 0001e In OOrwkmtOn will any Irhlemal or 11epal garnhlup i ems don. but any INama1 a 60 gemblhg ba sac0aa in wlkh you eagege wir fie cad amount nevaMetau will be m*d to Ms Agreement and 1110 Sweaty Account Aaiganaal Agnama40f appksasF Your card amd atxaam saY only be wit br raid and I#WM purpaes. N you M. or arlhabe sonwon ebe bat, the card ur aware for cry w wid or Map le ml you wM bs easpMnpaobalarofor Wd era and mar be required b raknburseus and MauenCad Invitational on VuWCad or Visa U1K Tr- 'Vitt; as applicable. or hit auaaaons for for sit tams es of eaperau_Na we or they pay as a result at such ur Ywtt or hnptmdabM uss. b ery uwad, ay vnbNd or k tpen, be tronsecooft in which with the card of mccourill neverlhelems will be PAIM 0 hla Agnatrad and C 9 A.,M Aabnmed Agmma- 0 aPpk:abla). You agree Mal we am not responsible M amYoue rekrea to honor your card or accent A you had a prior am* cerd or artier account w1M Y0. or much an exoum or beMrce of loch an acooum woo Wnba11d to w or one of our a111Aede, and you agreed to ranker he baler" of Iles prior mccoes in ON form of you new account he now accost will SO= hwroa d10rpa ham ft dab #W ft new *Mount Is OPOW. AuMalaed ears an not hmenclrty responsible, for the account An authorized user may use a aadlt mad, can request certain amount Wwrfagaa and men rawest to be removed r laku e on the ea nd. You apse b provide era with i iomwdon idert%" dany cai Yhp ird b usu. your ccoo qux kg their nne. adNeas, date of birth odrayou suiltorin arid y Exchanp Rule. If you stab a VarseWon in oturency otw too US. dollars, VISA Tntanadonl Of M"wCard k6nta11onl wit mornwA oat Chomp Of credit bto a U.S. d0lasneuA h acowdaeha will doer aparalkg npdafae a corwenlon pocWhwa M dlad at he Mme he eaaclbn's pwasad. VISA WanaNash raqudsas era pncaduna provide hat Made April 2, 2005. he exdum" aft between ft YarasWorr ml nwq ate the Mg many used for processing W ollional bw4w$ m iseMw (1) a nit spaded by VISA (1001 o* rrpsrrgpee d ad, m; blerows h wAolaaela wrimm cy rrfarkrb for the applicable antral procaaag data, which term may vary boon to cab NSA beg receives or (2) the i o mmsm mandated rare h pled for to applicable, memml MANN dab. MalaCard InbraNonars repuMgas and Procedures provide 110 OAMP eerwsabn rata it ova is soar (1) a wholeselm me" tote deb or (2) a govenrrwm manWbd rake in dad on the day of the central processirg Cash Equivabm Transactions. II ash advances ae on option for your "court, rrat can tae your award to Purchase morbkh data that we regard as 'cash eOuMakni vas odoW M cub egldalenl transactions will be raped n cafe advances and will be baled b the cast advance sagawd d excel Cash ewuvpae tantucbm kokae, wWroul imltallon. Nat prdsa d wire baste mum Want, bow, bdey ddsw. oeslno garnarg dm and odw akrilao produces or arises:. No " in hes ingemuhside. ""Mph we be WarpreNd b vaadaw ay barauflon that Is unbwd or Your Credit Limit. Your hMp awk Iknk will be dosed when your account a opened (a wf tdwd} EMor Wl*. or at any filar am, we hey eWbifk dNaad credit ramie do apply to Moaned agmrsmb Of your ecnbu t (acrd as purohes". mash advances and spade 11aeshn). Your anent credit M* will be kkmffad'n your periodic salsrwds. You sore not b am the balance 0 (your OOMW lkKhnclrg si vamdon, Mellott alleges and o11ar fees ), or this bOM d to awpaaNS d Your aoceleA b excee0 Net aedi tnhNl. II yes hew?glvem 1110 mpfon b kncrene yYrr akdlt b t sddkp Nnds b Yar Security Aomunt IN appicable), sus memaw that ApM not b horesme your crea 6rdt N the eddiiops kinds are provided while your -,o b in abulL We may kwmae or deraae your coedit Amps at ay grow WWA pprbIprr 11011019 b you, may lerrporarfy kraeae or *MM Yet MN fimies at cry be wit out prior rofce to you. may Amlt fur aedit lnN for cash advance or may take away your Oft to obtain cash advances. We may honor transactions in excel of your DD5113 at any trot drNg the plop qde for nk ream, IS greeter then b por o a nand aadlt lvlk (rgirdleae d *tow Nov went veer kill a aroactlon Mfimna awpa or any Drier Ina or dwpa, wnaporwed vaned tied In y wrt o 10111 be allow *' dwgn Nfoorr dupfticate copra d rerawwn or r pafoWC statwnwnla c mew ofh wr be b aaeeted of e Mlb.e bsb, rraaet fig dYpeh few *% Unformed! nfWMd paywot In w3 be meaed'd. for *V., tali rNMI o diMlr kolmor al Is not hororsd or arnd be also. debN b M..d uavw a anal b P.-ad. You to MO* MWM@d paymnb le our has" N err oPIW4 we may a each lime your political is 11d humored or paid wan l N is felar hwoed ro raauhrieaiat. Nw *mcl; draft a skdar iaYumant may be collated N ak"W fa WlrftfdeM at unwladed funds. We may one any of dagss. or add adA WA ha and dages. as provided below. We qld b win any of Ims tea wiOuaA prior w6alon to you vMnta r dlla b aeseaa thin bNV" fouvnrd. Cash Advance Fee. N cell ed000119 are PM(OW 100W ecoamd, a cash advance in 1000 clump win be ( aleaetd 01110 11111111 you OMM a a9h adrerae Of ash Yaw aloud and ll? ePavNwt %=lack (111 b fret aeh wwm sepnad of kmlta 4DPM your A =0 Nett The flmheal W Its aeh advna in auce pulaa a movA n f to amwal w w"s, brats fW Mitt/ Pabd• T* m'Y the nmal Paoams?a cob d edomw for IM WNng parbd to be grater Nan to w^W psranfepa role dodos b yin. idle y?gaed operlodb, vadie he. N Atiffing obd ofhNw ee. N Get member" feet b ""no annually. if we be mmW In Neiod In ~ reach emdremery of the opwM of your bffq Wio?d. The be will be bred SNtea purchame of yym KmA aura, lbe I"masaparchm 4 mempled go" your as0111W .ThememberswIn will not be Munded. In *1010 or In Wit w" l You Of WO anon b aaemt TRnhsfw Fare, A be wN be "fafew for *son kamlar of kinds from your waurd to your SONIO, AMA M W Wit" The be wR be brad to b cash adrerta ssyrerd of yaw N and MN be kwW as a can admire and applied arirbat your avalable 090 knit Foreign TfameC110n Charge. For each ttreaun made In a county other Inn Net U.S., or U.& TwvNOfes, we will a~ you a kwm delege, as prw usy dimcbsed b YOU apfA of the TTLA Accow Dbdoduret or as we will Mdow to you l required by applable bur. The few wr be bored on the US. Mw vivAof to karaadlon. Credit Beau Inkm*Nde. You agree MM we may obtain kdamaleh *0 you from C" Nnp agandet of Cthwa at any We and tea! N for ore purposes of r11mftkg your -A perlomwtoa, marpkg your account and considering you for no obs aid programme. Swuft irW.a The terane and tardione contained maWt fta wrwraDA apply e ' If Ste avocaft for to aoooum SMW Nat the a0mad in be a Acwamn ou ploOdelf rus will owl* kinds, wlddf ham been dpo&d In Net SearMp Account To mom p of a On yammN pd the Wow of to w Dom and al oiler sxw* OWN wow Net t end to w ind and awfed Ab us a ire iarly, IRe you have barolnod aelaad abdd in b Sew* W" and cem using yaw card account ru m cancel al laad b&4 anon aaer. you and We Icoreldeer or reodpl of a p eetAct pnearatcrtr4d delft b your acoou i to waimues your a s"Immom b mpw on am01ad on On tame ad brit in thla Apreemad and b Seedy Account ppgrannt Agtemnnt (Nappleaob). Your aeanxd win nd oe dared wS yyopuI pay coo amounts you we to under On Apreatad and Via So"* Account Au mrwd ApwartwN (N alWkmW) nddkg. wdbd knksion of purdase and cash advance w1 wtorw you have aubdaid, Orm" dwgw tote psinenl feet. over M* % me, mounted dads fees, cowed psynonl fees, maebealdp feet, ash ednna teen, trmshr fees, copying td"" and any otter lea distilled 10 r account You am majareaft for beta anoums wbbr fay hen boo t wrad 91 the line you m*W a vault of b accont or sa?are fenced aulbagtaM b you request b does On aooarN This may MA gwpet mblo on your account dW you Ice mwnw b woom to be dared NIL IM wo ha aMadj ben dead. a account A be mopowil to ban sellpyImM IS ft Afnanem and b Samay, Aomm lMOM an W WA we racewe"CMV from #4 fineucha t yaw aawd lets been 0064 yaw bowO will be eopened, b mined of b doge vA be added b yaw wooed and you wr be npaabb for of under to tewres of We Apeeretd end b Bull* Acoaof ore mo (f 41111081019). The mendneabip fa fa your aocotrt wi b b ofargd, iota add peatlild by sppfaile law, tnM b VOM scoout babna has bun paid In lul. as daabad above. N to eotoud If reopened, a new memhamn4 its wt be dagd b b acmwtta deed above If you, wtnp co b pdmory ardlalder, wam to bmdrew a plat somwook re's Of an womw lave "Mae b the account you mum al our Cudww BRpdmaltora depneeol and repst aprdt(at tauialbn. Im?r toaaeer• you dadte in Md pamea's r umwm and destroy %be d any delay in b okdN* 6ek of IN Wmlaaton of #tMmypMMrt'e case b fa account The amount A b' cloved, roo to m of tt+ to and a the woom be jaw e[ for or?aunihal w p MW deal occur prior to Sit eft:0144 dB* of act appear on the account we a bW Woe. M you aerie amble to doUUOpyy * OWA woarAaldafs of authorized OWS ard(1) of to de*m b rrndNd aomurd access dads in sou peen's pmmbn, and you at our CMWW Realemm depot hW to doe your aomuml, your SoMWK A be domed In accordance wlat the prooft paragraph. Elba You sadlor to 04 cow wwv, N any, may apply Chu in Temo. We lay AN to. remove. WOW a daps any Pad or pwieart of ova Apaamn, Indudkg tla aamal percatuga cola( end 087 deices ?1i W4 adding new PwAd a of Ib fame or e dNfaad .% eRiaing w -a in this A menam,d) 9t and lbra N we do to, w A obe you nuke of wdt amw*mn or damage N rap?Wd by Federal lee or Vie b law (b b uW not load by Fed" Iw) tedete we hid Prwbuay alto" b oabmw gef (ore moead would be b such amwdrnen of change wine A NA aeebwr, rya n? r be nulled If a p busy in our, yt IN, apoci Ind. - Ihal your wmW woull be subyd to such amondwall or danpa winut nonce. Chagea to too KWA PMS*P mil(s) WA Apply to your **" account balance Mean b alaeNw dale of fee dWP, whbr of not net woaak beiana inckdas ImaatSora fold b b accom before b dawge dale emu whefar of not you m*w b use he account C 44%a b lea and other clwpa will spy b your ncma from the ailed" dale of b dangd. eat NOW b a aconod On b SIMM AmOert we Sol bdh in to Swafy Aoooum Asdpmrem ddwl or fat b abide by any o (ft puma d gds adwinnnN Aaraarmat Dg you done roar 8mktaN a you, eaa lim our away aslant oy owumv low Yea oeourq nk , vac dmi on yaw aloud and all SttM awarme owMq wader get lama d rife 1 AgraanaaNi 1N9 mey wrcbe fds fw Ads ,, all fro ft SKu* Aacourd ?wNBnla ddv de." aNmerar Motion a via delmiff" 10 be to dm* r0ur amount feydoetd, we WO MW d Fuhrm Done, Tim bum of any beat offer raising to b accoum N0 be ddoeed to you d to to its of IS maim. N you amw an Offer, b bans WIN became e6edwe irm adidaly WMw WnerrrW IFPSCA d in ter offer. Debut We nay, in or sob dbcetom, declare a dowel under ft Agreement l: (a) we do not MOON Net full arnoW of airy mil"M PWdM n Of blare the 00 N k due. (b) you exceed arty crag M* or an an ISM used b NOW pyrmM n your wmad IS 1e nl ?your nat humored or cannot be txoaaad or on alecbnb d" b mom psymma ?labl4 aoooumt b rebmted arpaid a cabal bet ptoaaed. Tc tle stud parf d b! apl bur. to mamba,hour coladoomdeclareadef"a?erfirAmq"W N..(1)you d tie War Mme p sac ngreaenwf a Anotant r?ifgmrwof v? uric of ttgmwad% (N appNabla.?)} R) w Nn dattxd Yet b be h caber b a a eq of our adNiatet, or f?) wet dawrnko 00 you me* or nMb aoc SWAWO* on yyaouwr applatbn ior, or regarding the use of, tb or 0OWTAN a0 brr01 to ddmW w (4 balker or other InsolA icy ge ere wrou or agairW you or (53 you dk a d re. a am *M 1Wewilla (a am dna? teas Ayewnwl bdtlang any appfcaaa Berea role, wan arw any pligmal a obtained. Additionally. we maY, d cur Sole 0111011. (1)1111 Of not 00 YOU 10 mile any pmpaaayyrrreepaaa1hl1dwa a nxWt few" lane on year 1• (y) Ilo eeaa your mkinm y be -OW vow a rAed kemadlafa rmm the 11rrbtloita of mftbla law, dole to were wounding balw08 on ail cool wrouts Wag under 9re barn of the Agreemwd and On Seawa AocoutNdyawl Ayrowmd, To be axed pan. by applicable lw, you apnea b us ore of our ads) court coo, wleclon apme em and atoeo/s bet tnletha paid to sal dbmey wbo IS one of ow anployeles or an albrey was b not one of our oniployeas) kawed by a In b coleclbn of any around you one wader ft Ageemeal. You also aye b pay us of of our actual comb gad we incur h ands any oats we may haver by her year aaaad placed on a mm ed IkL NWtrg ln Pwwph ante be cornbhved b ureic at knpede our dgm to require wagfon in accordance wilt the ArWkelbn F'mrisbn tebw. - Av owt Cfmro and Suspension of Credit Pdvikr t) We may, at any Ore, will orvdriadaM. Will o advent notice, and Of the 0x1010001 OF nan•wdawroe of a dagW under limb AVWNK anal b aloud adbr ergo ltly a aoopaemrmt aeaaMr y wyaodularbay edtk teaYOy ecogg ac armdior lear nd MuaAuyad maumadud N awae aaN ndaal cb b. l2y Your Q to mda f?rldt will year clear obgpalbm wow gas Vesicant 'Mages are ti m* In ful force and SIN on Saw" is , or egad dodbled4maaaa aroma b 01 y or vemamM "Peraom of your pre" pwilapet wr not m1w our »owly rowed in daP4nb44d win b mmtw bled on gin baM of you aura and or, g dmrem; ale nnnber elated fen year pedWb 7-- I aid "AIMING an aooaen dawn. You WsMe to ft" at cards and umveed amount access chalks, anal at pemaartmd baling ('a" p Law. WE MANE THE DECISION TO GRANT CREDIT, OPEN AN ACCOUNT AND ISSUE YOU A CREDIT CARD FROM OUR OFFICES IN ARONNA, Tkb Agreamad is to b anabusd in accordamd wNh and r emW by the lean of ft United Sblee of America and by the Internal e d the Eacie wfam of YrpMda New Owing Xt b d+* of law male Ihd wound eaua Ib applkaion dthe burs of any jwkdbn dhar than rie taws of the Untied Slabs or Amedw or the Interval have of the Csmmawredri of virginiv b 1M bla ead dries of the parallel. This k made )n Ybgbla11 wNlb led p6oyrFarved onyly Federal kw ad " decides ad to n aripae , not PIN" A of Gilt AApeamiamil, aDd AppeamevdtrMl dw toed ma; If mb a the uror 5 mabb or Invalid pad were not them, but to mrealabg pads will remain in ended. YYahNra. Yea wwNe M b naive noft at any wailer or delay or pia *mwKy daww. p"02 or dMwwr and any tight you may hurt b require us. to imam ed Slaked aroler part' brae proadkg afabal you. You 00 w4m, b be eaten panelled by pplWA law. any slaAda of 6tab0ons defame kw an add&W pwbd of dm equal to Out spotsfile 6rnladons pwbd. Loci or Sblw Cords or Account Access Checks. If you ard(sl a accoun amas dwb an bat or slain or N coneons the my be using tam ~ you pwdpbs, turfy a d once by aig Ib telephone number on IN bad of On cdrkcslsW?wataA or by wftq th afeaattpCap'oe l One, P.o°A"M o ask 5front Pjaa ante VA 231853D1S. You wr ral be lieft in any armotmt for wwA%w ed use of your ardor or aaied soma dada. You or" b eel us m once N you drags your name, atbress,, tteleeptone member aaddre s N ? 10 dayaffew s bbsW di eddamage. Cnela p; be wimannin Ihv coo" sa I b Mle of 61 MrSibrof coupon PAN of lotlNirg addle w C*W One. P .O. W ?Rla*j*wl or may snaW A 23265 5015. N your amwnl is a )m account or l mete bin on WSW is penrnNW to urea it YOU ayes 10101110/6091 mgeabg b aaauM rally be NM Solely to b akren shown an our bgkg records, Commwksum. We troy reisas wonmun to ohms regarding tie *w Of hfet01y, d your account a sd bin In to Capital One Nwacy Notice. a Dopy of wind has ban pmvWW b you. We ray take inwidN of ltrd perdu in unrrwclon Wo teairdektrg and cdlac" year amount, and you authodm such fad paba b nbae Mmme" about yin b us. We a ourwassMalMs may mAid you from line b free regardkg are ao00uM or b oak for addianal a er parlata nun Caplal ova. You pia rid such lalonraabora abed YOU coadaafe ere col of N1d1o0 as not babd OMW N e+yrNMY required by applicable tw and my react Yin ceded blorrndon you have padded or tat is obbi ed from obi sources. For uampte. we my coaled you al Yoe home or place a empbyawL during week"" or hoorays. on yow table Isbptam. wtameN a mecli". and by amall. be. recaaded nwsSls, tat message a p:=k. EuW n mOjkM by epWWk Wet, we may aankw or record coq Ws we nuke or nsaNS. suppress peer Idenikalon w%io a are m an auAOmlMd d11g and armamdno o6vto. ARBITRATION. PLEASE SEE ENCLOSED ARBITRATION PROVISION." PLEASE NOTE THAT THE TERMS NICLUDED IN THE ARSSTRAMN PROVISION ARE PART OF YOUR CUSTOMER AOREEMENT. 0 2005 Capital Om SwAcm Inc. Caplal One is a lederaly registered servile murk. Al r" served. -__.... 031&17.0305 ARBITRATION AGREEMENT M75733 7" PR SKM IS I R IT IMPORTAM: TM MO OOV A ?ART 07 YOUR CUSTOMER AGRSEMFNT p VI ? a e r V. ad Iq "m MR or Few w w t a rwha0 b AS ! Ml I y n a " Milt 2" aft ON, 0 Er iA 2 I I" I P, *v clom Is #At" Ad Ok TNO70MR°II We VA+ LL MW ARKYRAIIIIII u Suul 71 VANi io wuil• %., CtM NI CE0 0 REiNNi A CC ppO??RJURY 00 TPRO -"I EFSE?1 AS OLLE? OR RNOAiRMNOCE[OIIIi MADWIllemofft 54 #"MK 0 ON 4*u ON "W , C fR ?0.#IN OILOW. T11oE MRITNAigI'! OKgpN WIU RE F! At I$ I M%R hr a COW @I N,AM oN"Fo T?iu i wio OF lamp Rio III p? pryM, IEFi ASSOCU7ED W N 'AMI RTIONM NRY NE NNN TNAN iNE FEES • ASSOCIATM WIM CQWtT MONEOwi. In go. The 4" 0 ON who hm tie OK *49 No Sptm1 00" Wm br bb Ambaba pww". 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OdY RF wOE U Ra 01MUa l •ayp?ll pg{pg NWU 0 NodY a? amme to oa *mA a W w n { N ? ary y ywpyloll UNA OINAORYWNb lFan I'NIIe N*Ma MW*a S g. a l F OW glteblwl 0 4 a abbe n a 1 IR s FM?e'sNOOawaynbaa We.a waa bw ow Ul waq it Ma?" b wF OOaabt e As at bw111d b I I 1 1 tWI e1 tavtw a 1Rb NA IIiYMkiaA Tw aY bwlaNA 1tN ? m F . . F T bwwwoo AOweW. w.Fl w+ dt a PR 1? F e M W M W* Is ao°?IlbmilNgba aaawebewbwcOaYUI tl ft C 4 wlvw bp tNMe Moc ft aOaNaM wwO bafwbin r0i?a Nlandeeeele NEO lb d 4 andw dbad MBodoL aleapaW wye? pr oa rtl111omaFROiw 11 ow NAM, b?>a?a p N w a at ? .. f W4 No CtaNI1Wa N Jaaar el ?atln. 7M aoilwd-be a ay fl Me COenbhao a ird d eW ebR. a S R CMlltbd poalola 41 hw I$ Now OR n&RkW • q a R R w w HM p mRyMPRe bunRS' el a= aaa= ° e alpgw f*" Yon aw w aby 1* 44000" a *Afsft 6" Cbbb priol lay *a of Rpft opodww" 4, 0. AIWd b Mo a wal xeadb. ba+RRab s apl, "Idao a M was abMWa Abo. WIN *Odin COMIC Mft.)an W a - V= 10K twd. " p ael tbw a. MW pme in aft - Wi7ialnoralN al p +o 10, - F N W N 7ry ? ge OM M g t M w pg M 1, WD adwooft a "6="" brpD a WOO" It URI $I Yom law. t ryp?My 1q iCa Np rol Mw O OF 1 a 4 wbt "11Iwta1 b a1F allm w to dial =1 1 110 = 4 4 cb/. • ,g?q? hb+lEM #K lipobM d siuvwl; a • kapWasol-hoft t riwlwlaMiaad lF t1eN4a AtbwtlbOe AORYIIltaa laB M 1 Y bbby wEw eaeiWn.nO aaaA RrNpa1N A _b ? , ? ?M Will q'Ad In IN y ~ o w • ea?1tb abP b1 aid M athdenaias "mw S M b14 d M dyo? Tk yalaadeddea 1Nt b' inY ad SNed"?q.??MC[ FiW RdbRg rF abler a a Er ??aq Wa ryia kaApd b Raw Illlyay s>tt bNA fella lbefMAa.tllkatlllMn mNa bn A1blUglea AdwMbIMaN. One 0 Rb blwb8 eleaa jult4dla aoaae04uead0FAA by"CPAIaig bM bNf a. . 'A1nspMdatl ?4 Jun wo win a. Fk 300 %W= -, ad v my aw 0A h% bwRj LCA-'Si'iu 1"Wtaww WM M/mwlwAINAVL Nnmw 10 t0 NarYpR MF 1SOli-t6p6 s . ela0 ft -no mom o W4 0* wow aabatl Alwaalaa Feraa EO ?w SS10f "ra. •Muntsn Ta wp ooaW lM d Re AamYlwdm to adw Nampim 1wM a1RgEa. rOaNRn Mw wd MaAA?nt I" a.Wdw Ud 01006Cagbl Oae SaNew. ae.CwbN OkbekAertiF llpiNate eavkw mM n e" ft aw/ chin biea PLATINUM VISA ACCOUNT AUG 06 - SEP 05, 2006 4862-3626-7337-3364 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $.00 Paymems, Credits and Adjustmems COD Transactions Transactions $354.22 F'rtmtce Charges l.00 1 26 AUG VALUE CITY 00001586 CHAMBERSBURG PA $85.92 2 26 AUG HOT TOPIC 0605 CHAMBERSBURG PA 36.00 New Balance $354.22 3 26 AUG HOT TOPIC 005 CHAMBERSBURC PA 33.77 Minimum A,n«mt Due $15.00 4 26 AUG BON-TON-CHAMBERSBURG # CHAMBERSBURG PA. 102.19 Payment Due Nate October 10, 2006 5 27 AUG KOHLS #0188 CARLISLE PA 19.99 6 27 AUG MARSHALLS #834 MECHANICSBURG PA 72.88 !'oral Credo Litre $1,000 7 05 SEP PAYMENT PROTECTION 1-888-527-6904 3.47 Total Available Credit $645.78 Credit Line for Cash $1,000 Available Credit for Cash $645.78 AtyourseMce To cd Custo v Rdxdoasora report s loam sal. acd 1-800-903-3637 Sad u? we S.,d . : p R 6 C*mL Ow One B= Bank C*w One P.O. Box 70m P.O. B. 36285 0-1.t% NC 18271-0884 SLC, UT 84L30-0285 Important Account b6tzr abort Beginning October 1st, 2006, based on your account w& 4 you nay be assessed more than two late, over unit, ar remu•ned check fees that occur during any billing period. F'umce Cha%u Kwmseemrdierid e f 6r mpvrtarrt infirmahon s K w Bdmnrra& A,,6& ! d p o ? u? r /P Y- ME - gep w to raw i I PURCHASES $.00 .00000% .00% too CASH too .054MP 19.99% $.OD ANNUAL PERCENTAGE RATE applied this period 0.0096 PLEASE RETURN POR110N BELOW WITH PAYMENT 0000000 0 4862362673373364 05 0354220000000015009 New Balance $354.22 Minimum Amount Due $15.00 Payment Due Date October 10, 2006 Total enclosed s Account Number. 4862-3626-7337-3364 Pirau fnatad?ecr rba+ges Adam u,m866a arblmE ?a.E s- Ape # Gry 3- 22P H- Phone Al- Ph- 7 X11 Capital One Bank P.. Box 788 802.442 • C harlottte 0NC428272-088,4 #9024904003134000# MAIL ID NUMBER - JESSICA D MILLER ! 38 PIPELINE RD NENV LLE PA 17241-9759 r Place writeyourAwmt nw wkron your cl xh or mmuy order made payable to Grpimt Om Bank and moil in the mdored en:xJopc 1. NOW To AVM A HenGS l7lya, t a. 4eoe Prod. You nl haw a ntNNxm prate paced of 25 d W i d ? rest. To obtain lire avrapa dally ball h for Ih =410d coveredbyk sratgnpn, we mks 1h 6d f d c yax aaarrt If n tves rroWy been acrd. For emilis, 11 yoo O uNly ed a prdgr Isom a meMsK and wa ay. w %caa aw raw rraap surgepraweeP and ? Oster r ? sce o rwa. etDrx ea h daY, adpdarrW?remw a? seaaW th re®iw e trar®cYon flan ate it-hem art« you Wn has It. closed Y. Noon ?A be tirlpa if you p e?y Your m«I -Fbw Bdr,co ' in ««etfa. ilf code N afyssa Mtn f t ' , ?streux Of dw dupe will be I root atardrla Wth the Nponm Nodre for pwrexa below, and N tints for it to be cradled by you rwa autem m rtat- ream BMeroe Rea A?,pftl a?t x- arty upald /Nrta corps i,attlad N the balr,oa t meal h a Na retPoniie mamMMip iw br ax secant tat flu wY oaNYap dosing rime. Theo M ro prate padad n cart advsxa» cord a eeial ,mremr>L N addtlon Here Is ran, eriod °a of oadl seynpK) Tine giYte us to duly balance of adh se nerr Then we ad1 al r, l ft d W 6r W c y , to be dates, to are 8%teltt by law.'Vd the r:, tV x 6 l i h b d lN d b p , p @ n arty trt UCdM If YOU do rat pay tie total New p . , cea p a a a ea h segnot for live burp pepOd and (I by to total ameu a er oe r een ea e ,e a me. 7 llaYio Yw Aoawn Yohs cord or wcaax carter be rrurE« of daN N gives tat the period. Ttft . . Um wIM arw Ntamhol 9amukhp tr h Aow.*q Firtr 'P• Treraalar Mich am not ""oof each aSWOM . 9 r carve a iorai. t ahelloi to a g+co are ratwssd Pence dverpe 1) :V 3. Amarl Reese (AFRI• Iran the term of * « 21 flan Uha dace the a. the rem 'Aural Percerope Rare' my appear as BILLING FaGHTS SUMMARY trsrrecYon is pocaard to yar Aorafm or 3) from the APR' n to Iran of the aratmtere. IN Car Of Rion Or Ote d" Abaco Vw Bill) Nrst credo day of the ::M Lily period Adddady, tl t the N B l N b. 11 the Code P gibe), L (3- LXK)F*, C (orttam of D r Ill you dhtit You roll Is wog, or if yw read more t no pry sW a ar,oB =:* ale Iae baaaq parbd N Aa Ikhrae claps to adtrhte m epo O. «S (WWMfd Pram) appears on 1h fiat of tl,b stauntent nod to do pwwft r emw the Nbrmatlol an a tlreaofkn «hi. Wdte to us «I a separate atz se noon Y PoeaNle at the address for , tour upali brace u,tl the uprd bans I. paid N N rams and corresponding ANNUAL AOE RATES ORATES kgiiss vl o n sir frox of die summon We mWt Thb route liar late i mry ati owe Lhasa .wpm, even if may wry gesmady, and may' n:rera or decrore bard . hear from you w later Vast AD days .her we um you the You pay the olio New Brtae NtfcsMd n the rr«x 91 n the stated adWa, r loud in The Wei S&M liter p1 n Mlidt 11a error « f+tol 1, yVStad. You m yw aulemra 6V V,e Bea alata,aa doiV doe, ba dd J-191. Pits, the margin papwshtot dedord to you m td w Llalane, Reladave -tan, barn dokV coo chi mss not do r for the prwlaa matdu lkpaM Ikhrra charges are added m do eoorrgm of yota Aotaum. c ? , Faa F M tli a These tlwgss Ml bee ed ciao live JIM day of yw drip paced covered by Wu pelodc au[tmtx Ordrg N h a J O b Vora Rye. In yarn letter, give w do W &A" bmNaK You reme and aocwd mortar, the dollar . t or r ll m ress, ha?trya. ggapt- t mkiY *OOMM Is t nm e cto er. rd antrY, c I o lpdn of the error amaam of 1e rapeaed ot«, a deeeera If O d ee Q / A R() E li ip o IRINAMCE off #0.50 Mid . LIBOR R h K « l d V) of WW y in?la r d oewipdn an am; at If you = b M dve tort ? r p e ? N ? j y n avpi 0 Wi d t? ye p PE OM&r= M at twtddrmp Ma IT V = ? E 01 an tavenes M do rot haw to Pay amt h kM? p rkt p % » t, an atmOtm from the 4 the dilleverice VAN be bled to the ptat3wa aedrwrt of atCotra. v e and.y I.- O dea ear hued m the orated Ndae, as bud N 77ro Wall SIreaf b W?* Pka ...W ?W to pV Me pars of yair hif M,st m rot N Praaliort we krNedpals Your grtlon, we alarm t d Te WIW RerMln ie Firroe arpe. Ws raeerw to d t t tt ll / a f t margin Mom dectossd to Wu. 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Spam Controls ' 1-877 7784207 Smart Dialer - Mention Offer Code: AMBER "d Phisher Security or visit www peopk9pc.con?go/amber Internet Call YMN FINANCE Preview Balance Payments a Credits CHARGE TTMOwd at New Baluec Minim= Payeeot Due Date C 5354.22 - $15.00 + 50,00 + 5599.05 = 5938.27 $28.00 Nov. 05, 2008 Sep. 08, 2008- Oct. 10, 2008 Page 1 of 1 t RM Ile AT {FAST T s AwWT Vip PWinum Accowl 4862.3626.1337.3364 Your Acoouat Information TOTAL CREDIT LINE $1000.00 TOTAL AVAILABLE CREDIT 181.73 CREDIT LINE FOR CASH $100000 AVAILABLE CREDIT FOR CASH 181.73 Fimree Charges (Please sat reverse for Important inforre ) ypled W Peri "' mle odic A ANC Pwcbun 80.00 0.00000% 0.00% $0.00 Cash 80.00 0.05343X1 20.24% 80.00 ANNUAL PERCENTAGE RATE applied this period: 0. ® At Your Service 14800-903.3637 To call Cwtomer Relation or to report a lost or stolen card Pav mlanu. CTed iu a: Adiuamenu 1 OSOCT PAYMENTRECEIVED --THANK YOU $15.00- TQn obcdom 2 06 SEP PAYPAL aKYUTU 402-935-7733 CA $25.01 3 09 SEP SAYLORS NEWVRILLE PA $13.00 4 IS SEP SAYLORS MARKET NEWVILLE PA $14.01 5 23 SEP WAL-MART M74 CARLISLE PA 865.69 6 23 SEP FAMOUS FOOTWEAR 02476 CARLISLE PA $49.99 7 23 SEP OLD NAVY 3494 CARLISLE PA 561.00 8 26 SEP ILLUSIONS HAIR STUDIO NEWVILIEPA 828.30 9 26 SEP SAYLORS NEWVIULLE PA $184.10 10 01OCT SAYLORSMARKET NEWVILLEPA 840.35 11 02 OCT TRACTOR-SUPPLY-CO 0026 CARLISLE PA $48.21 12 1000T PAYMENT PROTECTION 1-888.327.6904 $9.19 ® Sera Paynmu to: Capful One Bank f7 P.O. Box 70884 0 Charlotte, NC 28272.0WRIt You for emolliog in Capful Oads PaYmud Pmtecdoe Plan. Your fee will be conveniently billed to your Capital Om nadir card bated on your mowlt-andtag account balana If you bave any quattim, please all the cummer wrvfce number li#W is 0e bat-ction awtion of your stoWmmt. A Sandi his to: Capital One 0 P.O. Box 30285 J Salt Lake City. UT 84130-0285 4056 504 1 t a estate PAa 1 of 1 as milk 031Mat66 PLEASE RETURN PORTION BELOW WITH PAYMENT ??a?aa,?8/1,?_ I 0 4862362673373364 03 0939270015000028007 "°e^?llr1C' what's in yourwaa4tY - Account Number4862-31128.73373364 New Balance Minimum Payment Due Date $938.27 528.00 Nov. 05, 2008 PL PAYUAT LEAST Amount Enclosed AMO NT Capital ONa tank 4309 9.0. son 70884 Charlotte, NC 26272-0884 8027441"'201111419,1712 Please print address or phone number changes below using blue or black ink. Address Home Phone Affemete Phone E-meat address a 890284040031340078 NRIL m Np Ja882Q D IQL7as 38 9LBaL3Na ND NaNVLLLB, PA 17241-9769 01724197393940 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. peoplepc- online u A better way to Internet. UNLIMITED INTERNET ACCESS saw W TOOM 1-877-7784207 Mention Offer Code: AMBER or visit www.peoplspc.corr17polamber e. repne tle 1. 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Yap Som a0ed ""Webb wnpe were wfpomr a"WPMSo pus TOM 01110Soaa•e-050 6 8027442 / First 3 months halt-price 97 4 • month; A./SMa. tlaraaltd waN NP TODAY! 1-877-7784207 Mention Offer Code: OUART2 or visit www.peoplopc.com/go/quartz peoplepce online %'_.ol A better way to Internet. PeoplsPC Online offers t* 's==.g expect horn higher-priced Internet at half-price for the first 3 monthel ly Email Virus Protection ® Pop-Up BlockerT"" Spam Controls Smart Dialer Phisher Security Internet Cali Waiting FINANCE Previous Balance Payments k Credits CHARGE Tnnoabm New Balance Minimum Payment Due Date L5938.27 - $28.00 + 20.00 + 549.40 at 5959.87 528.00 Dec. 05, 2008 rt. Oct. 11,2008- Nov. 08, 2008 Page 1 of 1 mF.sr sr u.a rein .ureter Via Platinum Account 4862.3626.7337.3364 Your Account Information TOTAL CREDIT LINE $100000 TOTAL AVAILABLE CREDIT '33 CREDIT LINE FOR CASH $1000.00 AVAILABLE CREDIT FOR CASH 40.33 Finance Charges (Please sea ravers fan importer, informs - ) Balance rate Periodic CorrapondinsfU applied to rats APR CHARG Pumhnes SO-OD 0.00000% am $0.00 Cash $0.00 0.05545V 20.24% $0.00 ANNUAL PERCENTAGE RATE appEad dd. period: 0. is At Your Service I-ND-903-3637 To call Customer Relaaom or to report a lost or stolen and 6mw7rti Credits d! Adiusatacr I 25 OCT CAPITAL ONE ONLME ACH PA YMENT $28.00- Tmnucbm 2 I B OCT LIFET000H NAT SCH STUD EDEN PRAIRIE MN 540.00 3 06 NOV PAYMENT PROTECTION 1.886-527.6904 $9.40 0 Sad payments to: Capital One Bank. ; P.O. Box 70884 ? Charlotte, NC 282724884 0 Capin Satd a' "to: One C P.O. Box 30285 C Sell t.alte City, UT 84130-02e5 6064 604 1 7 3 041106 aak I er 1 031es66 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4862362673373364 05 0959670029000028007 /fa1Q?• I vAuYs in you watrtY Cw New Balance Minimum Payment Due Date 5959.87 $28.00 Dec. 05, 2008 PL AMOPAYUtJTAT EAST Amount Enclosed , C411tilal Oaa lank 4339 6.0. Boa 70984 Cls"Iette, TIC 78777-0894 8027 w w X82720894/470 Account Number4882.7828.7337-3384 Please print address or phone number changes below using blue or black ink. #90311040031340064 NUL ID asassat 0a66ICk 0 HILLER 36 rzn xm an NXIMLLa, ea, 17741-9789 7172419759394? Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. peoplepcr online u A better way to Internet. 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PeopMPC Online oven the fwtulos you would el= hl IInternal Service Provider; morithel Rj Email Virus Protection Pop-Up BlockerTM ?l Spam Controls Smart Dialer Phisher Security Internet Call Waking FINANCE Previous Balance Payments & Credits CHARGE Tnmactions New Balance Minimum Payment Due Due $959.67 - 528.00 + 50.00 5940.89 526.00 Jan. 05, 2007 Nov. 07, 2006- Dec. 05, 2006 Page 1 of 1 nuw taw AT UAV III) AMawT Vim Platinum Acount 4662-3626.7337-3364 Your Account Infomation TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT 6559,11 CREDIT LINE FOR CASH $1,000.00 AVAILABLE CREDIT FOR CASH $559.11 F Please ace am= for imporum inflame enn Periodic in AN ed to rate CHARG $0.00 0.00000% 0.00% $0.$0.00 0.0554S7P 20.24% $0.00 AGE RATE applied this period: 0. ® At Your Service 1.600.903.3637 To cell Cmgmer Rated= or mmport a lost m amkn card Payments Credits & Adirutmu 1 30 NOV CAPITAL ONE ONLINE AF PAYMENT $26.00. Tramachans 2 05 DEC PAYMENT PROTECTION 1-Ul-527.6904 59,22 Conpamlatime an your credit line incrase) By suocenPolly congletinQ your Capital One Credit Saps you've earned a credit line Increase. You can put this rmw putehmiq power b work for you right away. we look forward to providas oven more products tad services to raw your needs in the Ibture. (Credit Steps is a service mark ofCaphal One.) HELPFUL PAYMENT HINT: We understand dot making only the minimum payment may be the bat choice for you. H-, you7l pay less; interest and repay your balance s xanar if you pay more than the minimum whiner ar passible. To atiman bear long it my asks to repay your balance given your specific scam and different Payment amounts, visit www.cepitslom.conJeakulapr. ® Sand Payments m:0 Caphl One Bank P.O. Boa 7011114 G CharioBe, NC 26272-0664 A Seed' ueia api to: Cn1 One o P.O. Boa 30295 ? Sul take City, UT 94130-02SS sees sea 1 7 0 06120S mm 1 or 1 olaemes PLEASE RETURN PORTION BELOW WITH PAYMENT clopftwom. I wMrl in your wa1Mr 0496236267337336405 0940690026000026003 New Balance Minimum Payment Due Date $940.89 $28.00 Jen. 05, 2007 PLMRfZjUA,LEAST Amount Enclosed T cyltal Os,; a." P.O. aces, 70904 04005? Ch"Iette, lac 28272-0104 8027 44j"11146471 I // First 8 months half-price Account Number4882-306.7337.3364 Please print address or phone number changes below using blue or black Ink. Address #90140040091340076 MIL ID a0iill Ore;ICA D 14LLM 38 9IVII,IDIa so apVZ=, 9s, 17241-9750 ?172419739394? Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. peoplepcer online ? A better way to Intemet. UNLIMITED INTERNET ACCESS sIQg 111 79"Y1 1-877-7784207 Mention Offer Code: TOPAZ3 or vie8 www.psopMpc.convgoAopex3 PaprPC Is arty reeprable to Ok dffR and Is not MmW wdh Geed Orr CW W one doer not provide, erldM of 9lranlie, IN is riot adided with, cry Wodlld or aeniI dbN live. Any traclWorks mentioned Web w Bally oNed by err mpecure of AN ever mwve& ey sgmm kq td thr Vier, you may be CrrmaddWllp kddrinidlo i 00 yollall to dtl company dW pnbvides to pwdcct - (p aampr, dd you we a Cpkd one amorner. TooploPC Online: Fie 3 modM of ser im we bred at $4.97 a merdh; $9.95 a nwldl Hawker. offs avWebb b now de-up a bsubar d bast 19 years d apes rid may not be mdeerned wbh ay ourer after. Offer sugeet to dhree a ay timer Phom tedrkcd appoA evairbr br $1.95 ps moAt For qusdans, d toll Im at 1-077.779.1297, service not avNW* In W ryas. Adger tea toe. 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Ourpe 4ye as Mo i tkalrah 9s,huurls .au?eludiyp ?alWaye. rmaios ban your died to:z wbrime4i"n law W?FIa? secomom or b? as do ymyou dwrin sillier use mt u a diakarrauerinai e we on iafomrdOm Ode your check to m lm o elsebao(e limed tmdrar, 611ds my be nil ielins m from your account u pm u tln ame we receive your pryenn, ad you will sot receive your ebmk back from your Ilimmecial hadwtiun. 8027442 c'.?a?.? ?wwow- what's in your wallet?' sooooe JESSICA D MILLER It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. WHOOPS 1 Keeping your credit in good standing can 0 do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES Vou're behitt • BETTER INTEREST RATES by I • (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) O 2006 Capkd Uor Srrisim, lar. Capital Ow it a feders:4 nearrrd nreiar mark All rights rrrrrwd 500006-08603 FINANCE Pmviou Balance Payments d Credits CHARGE ThWAI don New Behmce Minimum Paymem Duc Date $940.89 - $0.00 _ $0.00 + 538.80 = $979.48 $57.00 Feb. 05, 2007 Dec. 06, 2008- Jan. 05, 2007 Page 1 of 1 t MUM W AT 1;49 tsars YIOUW Vies Platinum Aeeoonl Vin Pl Your aeeounl is one payment behind. Hememlxr dud making your minimum payments by the due date keep% 6264337.3364 your account in goW standing Turns r mislyd payments nny lx repomud In the nsuiunal credit buruas. So nuke sure you send in Ilse minimum anrunt due io keep your 0eaounl in gmxl standing. Your Account Inforntatyors TOTAL CREDIT LINE $1. 500.00 TOTAL AVAILABLE CCREDIT 520.51 AI?ABULE CRE01T FOR CASH $100.51 Planar Charge; (Place on reverse for i Wei at in ) Balance few Periodic Car?a?d applied to rue APR BaCFiARe Purchases $0.00 0.00000% 0.00% 50.00 Cub 30.00 0:05545V 20.20% 50.00 ANNUAL PERCENTAGE RATE applied this period: 0. ® At Your Service I.M903-3637 To all Cuatomar Relation/ or to report a lostor stoke and When you provide a check as Payment, you audrorize u eieser to era infonnedon from your cheek to make a onatma electronic fund truufer from yaw aaormt or to Proem the payment a a check eansection. When we are infeenudon hats your check to nuke an elacOmlo Nod tnafer, funds may be withdrawn them your account as am es the arm day we receive your payment, and you will not receive yew check back from your Ntacial institution. hmnarda. Credits ! At iuanmu Tea 1 05 JAN PAST DUE FEE 529.00 2 05 JAN PAYMENT PROTECTION 1408.527-6904 39,60 You were "'saw a put due for because your rrtinimum payment wu as received by the due due. To avoid this fee in the Nturc, we recommend slut you allow at lent 7 buinces days far your minimum payment to reach Capiall One. ® surd glOne Bak y?rr?ab b: Capka 0 P.O. Box 70104 c Charlene, NC 202724681 A Sad inquiries to Clahal One - P.O. Box 30285 j Salt Lake City, UT 84130-0285 6066 as 1 7 5 070105 care tee 1 Olac/Oa PLEASE RETURN PORTION BELOW WITH PAYMENT /?'???..a'?-.?"!L?. I 0 4862362673373364 05 0979490028000057000 ?T•wwv/aG wMt's in your w58st?' New Balance Minimum Payment Due Date $979.49 $57.00 y 7 Feb. 05, 2007 PLM% AMOUNTLEAST Amount Enclosed II,, CsOit" a" Seel: P.O. Sea 70884 CL036C Ch"Latte, PC 28272-0884 8027442282720884947[1 Account NumbeP68823628.73373384 Please print address or phone number changes below using blue or black Ink. Address 4110004040031340048 MZL 1D viteleaat is83G D 31XLUM 38 :ZPSLM lie aSMYMN, FA 17241-87511 ? 1724197593NC Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. OtBCGM.4.05mm 7"- .ghr- 80274427442 :7 FrUNDREDS' when you IP mound for your insurance. y,;tstsMs!Rw 6aao o<tnw.• on Your 7^JUrontt I7 UP TO a FREE QUOTES • ° ° anPI ter ~ YW Mop ordirw. at"ah"Capltalone.conwnauranca Zimeaooeo Compooles Raek9a I fathom" 6 Move", .-Imam f•]•a•Nux.ro• Co. ---- - A - 1304-a"-now - -•------------- 0 . Yb1M/anY CoTr•nY n ... . - V. •W- -------- A. ------------ - $386 aoY aeaool .-- .. 0 ....--•---------. . -- ..... ............ ..... $397 guy oolinol ....... 0 7ir wnra4 ...- --•---- - - . . - --. -- -- - A. $410 ---a"saw-1.. . 0 . ... .... --- • -- eWrc . .. ---- A- ........... p1s attY aolloN ....... O AIG Ayrty AUb ? -. . . . . A.. ------? H21 ? .. .. - . . .. ... : Onw ban tM•y- . ...... A. ... .. ... ........ $693 .. ... FaVao ; A $506 aW -Ikw ? ........................... 6ieanon? ... A+ ..... ....79 ---- a .-. 07,9 rY OMlns1 .--.. O Prevbry askew 5979.49 _ A o++o 557.00 TnAacttau Jan. 08. 2007 50.00 C - ?71790 - 5849.41 M. 1p'""""?smKnt nw Wte 2007 Pam 1 of 1 571.9p P4ppyr A C O5. 2007 4862 .3626.7]17.3? p, YotoAaowp 4b,ts,y„ 1 06 JAN CAMTAL Aline Aou ?Q??rk rVADIT LINE p 00 ?B ON: AI PA 1T(ENT c $1 13 JAN A•^11 ?aLE CR?p F NON 51,OOp?00 • 3 JAN KMT iI 11 i61?0 NBwY1L $57.00. SO PA A, 0,M,w FkwwCW S uJAN pH88XOB OEP7op7C 'ISLE PA S90.s0 (Pls6ea os9 tsrorea t7r ) Ie JAN FAA" P007VEAa ?CARRLMLE PA 561.41 B6Yoea rpp h9otMR uJAN BAyRB NEMYIt1LLE PA RLJELE PA !16.96 c9PBedb1v__+a"A?E,? J $ 20 JAN MARBf 14B 519.99 Cu SO.00 1 ^`^ CNARO Q 20JAN 4801 CAR[JaLE 1LLE PA 223.39 20.00 0.036 0.0036 f0.0o 11 23 JAN WN-T 40009 $29.00 ANNUAL PERCENT AGE RATE 6ppEp 0drpNae: o '00 12 0!ppag OY? WY NTPRO 0TgC0 )7ON NEWV'LLE EPAA 543.96 Faa 5171 At wow ERUhtJj PEE PEB q, 2007 !n<90/ f69.10 T. all Crr41-S?•90]-]6J7 „ ' Now S1J.12 RoN wbnportolon wog1011 ?: Noss •••Sgro ofgo loon of $29.oo )our oocau°t art chm ? ?::: P.O. Boy 7014 0 '& P1eo.f read 0o pkl? sonation. C6orb6e, NC 21272.01. P.O. aco 3021! J Sop Late C," UT a$1]O.o21J eaM b. 1 ? ? 0>9096 PLEA;; R'E"!TU p I RN PORTION BELOW W17N ' "ease?• 0 496236267 AYMENT 3373361 OS 13719000 Now Slglan« Mlnlrnum P"... Otp 0iM Account 37000071903 Nu 51,:71.90 671.90 Mar 05 Pklap A-kn 4629 73J7Jbt4 PL?? 2007 m9aorpllOft ? TH ig, p ?TI EAST °f ?9n9ea below u61 V blue or black AmotJnt &lclotay Ink. aao 71 a4nor" 447394009/ m R ,$ ?9 &L,t, c4, 84 61176-1??4 -40640 s9 13]at he, 8027442 0212720114947 a W+. 9A 97241-9799 *Clft `I h4197l9JNf Yot1f aOCOUM nU(nbM on 1'Otlf ?° Of "tay order mtlde p9Yabk9 b'pgal Ono Sank ar1d mail WIEI this - 001lI7on In OIe engpaed emrogpe. SHOP AND COMWIRE and you could save $500 or more off your auto insurance premiums. insurance CALL 1 M 1.877.886.9111 SAVE ? MORE Up to when you combine Answer to see how m uch you can save. your auto uto and homeowners. center. There's no ob6pation and no proessure to buy. '?Pumm w two q ew "NWM Como' rc. (COMO Wave No. 0899714). !Yawl Cater fraffala Apawy, kla., allot other aurae. twpnoe plra arts wwm, re from it ee ha aoapehae and dba freed kFAence-NMW paidre. Yfewerha Mlenr Cate fro Fp mM only t e idea conlmue aMq peq cam alms am may regale other pedartanca bad aaprreton fortb errl0.a Pra(dad a you. Not M prodm adetae h M etrw. Rttn KW 1o dr* AI prodtow maynot bo mild n rt aUNs Owkr OW don rot pforida. andorw apu?rna a4) MIFd•pry praAG or $VAN drrl (lace.Irour a MUM so not npoMe or other d7lp "d. or plead by Cpkr One or an agate d CV W One, Bred we not kwaed by the FdC a rely dr Wed SW W" or OWN On. 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N eywa Nbarnafa.arrq"y.,arwamOlo earbr,arra.drrpo ywr.uOdboe.hb b.op Few araa 0 pear wao dgertw.brbe bar rIv,we. ihb dr aMarrW dfyMaawMetllrr,wad Yew aeoolddpw. Ad/aeddy, ybd.ewunlvr not be vowed urllrya ply as adhehlraa laM a.a u. almlld.el: anY CawN Oro b.hwwayr.rdw.e-ft. ern aCm or. FWneMl COywaon.M ddb low"90 0"M Go" Orr mows 11.rrw. Y m doer Nwuw-aw.ew bwwweMht YOU hen pwmYre.lrahr0..nrpa, pad dM. Ym Mwwr OMOM I, Aid to Y vwAtw Maw well, br,-ANNA bra now" paRhwd bra rah.Mwr a p.waplwrwl.M.bwrifmm~pedb br M es row W. mom" le Yaw ow.lre. Y.N vow" drrw w.Nl promo...Ivrrr we not rd.e b MOdybel -Ybaprberegrp.d"Y r.opwrabM Mloo .Xw owrwrMy Roomr Yam .rows art W Y. Waal bda. M.rwre W Cry O.b,rw by Odor..MdWyb.Mmbpoamr wit wruned.ub.opwe b Yew earl- b dor M amore. dbe Mater. MYMrewfwtlM dyer Mauma 1lrewryraardrnfabpwbew Yaw amend dWI- n bllMlp dYde• TO eae,bb Few bla Irhrb. drr"? nMila.ly role nrwha M rerun b r tlee.d. 0IBCeaw • e • Ib2l Me MID to W will be adiad b your rtouw w of dw bniam day we receive aaw ad yow Check is the hrpl0ad Irdarae w W (Z your P"M k? w M Iwo flue (tea Maiswt deo Pod abadM==S,.*., d•Y we hxdve Uhwn our bualeber den de or 8027442 W42 15 important notification of a change in terms to your account Your account is changing. These changes will start with your April 2007 billing cycle:* Late Payment (Past pus) Egg Your late payment fee will be based on the amount of your account balance at the time the fee is applied. Balance of $0 - $99.99 = $19 fee Balance of $100 - $999.99 = $29 fee Balances of $1,000 or more = $39 fee Qvewthe•crcdk-limit Your overthe-aedit-limit fee will be based on the amount of your credit limit at the time the fee is applied. Credit limit of so - $499.99 = $19 fee Credit limit of sso0 - $999.99 = $29 fee Credit limits of $1,000 or more = $39 fee What's Not Changing Although these terms are changing, your card still features all of your current benefits including $0 Fraud Liability and online account servicing. And if you are currently enrolled in a rewards program, you will continue to earn rewards on all of your eligible purchases. We truly value your business and look forward to serving you for years to come. 700102 see reverse for more information, including how to decline these changes to your account. ?OITe 80274 retain for your records. $032 sot ] ) t 070203 2Aq 2 at 2 _ mactost if you decide not to accept these terms You can choose to decline these changes and cancel your account. To decline these changes, call our automated system at 1-800-2145032 by midnight EST, March 30, 2007. Please have your account information available. If you decline, starting March 31, 2007, you will: • Not be able to use your card • Have to cancel any scheduled payments you have set up for automatic billing • Not be able to redeem your rewards, if you are currently enrolled in a rewards program If you decline, you will be able to pa down your account at your existing terms. We will close your account after the balance you owe is $0 and we confirm that no new charges have posted to your account. Important Information • Your April 2007 billing cycle is the first billing cycle with a periodic statement closing date on or after April 1, 2007. These changes amend your Customer Agreement. All other account terms and conditions remain the same. 8027442 0 2007 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. In a law FUND ].W% APR* today 500062 with a Nome Equity Loan from capital one a eilwltiaM 41411 , make home Improvements, a Law RJMD MwJd pwantnga rate (A/11) pay car loans-you choose starting at 7.4496• N Cie" year Men b so buyer or has ¦ So closing cod opdans available Call yew hrs"d Neale Lean Consultant OMW 1-800-760-2493 Preferred Customer Number'. Mon-rd B a.m: B p.m. and Sat to a.m: s p.m. EST Or apply onone atwlYN.apltsloneho nelo ins.COm 8965 026 134 5081 Capital One Is an Equal Housing Lender. Advermed annual prtamuge rxe is Active m of OlMN7 and tubi0.7 b xt Wry rime. APR • based on xn onnsent amik h6wry6 n immun, $W,OOO lam annum, 80% combined Iwn-rpvxlue ratio and a 20yerr f xd.rare sa.A4*n m Addi o l ompae. u n army and -cricawu apply LENDER See twver far adds iwal imporrant kdanmxven Home Loww FINANCE Previous Balance Percents A Credits CHARGE Tmnutum Now Balance Minimum Payment Due Due 51,571.90 - 5750.00 + $16.57 + $41.82 = 5680.09 $28.00 Apr. O5, 2007 Feb. 06, 2007- Mar. 05, 2007 P age 1 of 1 nrstk mar AF LUST NS MOMT vise Platinum Account 4862.3676.7337.3364 Your Account Infomwtion UA"(VAILABI OTAL CREDIT LINE $1,500.00 REDIT LIN F LAB&E IT $?8100 E C REDIT FOR CASH 5319.91 Finance Chergm (Phase see reverseCin, i tgora us infemrtio ) Balance rate Periodmupood AN Applied to rah ro APR in "CHA G Purchases $1,128.16 0.05247sip 19.15% $16.57 Cub 50.00 0.03545%P 20.24% $0.00 ANNUAL PERCENTAGE RATE applied lira period: 19.151{ ® At Your Service I -NO-903-3637 To call Customer Reladom or to report a lost or stolen cud Parnan L Crodih a. Adiuabrmer 1 17 FEB CAPITAL ONE ONLINE ACH PA YMENT :750.00. Tn wom 2 04 MAR SHEETZ 00002634 CARLISLE PA $33.00 3 05 MAR PAYMENT PROTECTION 1488-527-6904 $8.62 ® Capi gerrd w,mtanu a: ul One Bank Fi P.O. Box 70884 C Cherbde, NC 28272.0884 A Sand ' UT to Caplnl One P.O. Box 30285 C Sell LAW City, UT 84130-0285 was sos 1 7 a 070703 man 1 oe 1 Ofataeas PLEASE RETURN PORTION BELOW WITH PAYMENT cailiaftwow I what's in your wallatY 0 4862362673373364 05 0980090750000026006 New Balance, Minimum Payment Duo Data 5880.09 E5p2?8E00 y p? Apr. O5, 2007 THIS AMOUPEAST Amount Enclosed Carpal 0" atek P.O. alert 70894 ?4093C ch"Iotte, MC 89278-0884 802744i"n0894947CI Account NumbeftIM-3626.73373364 s tint addross or phone number changes below using blue or black Ink. #90098040031349000 106TL ID lrpalok Ja888G1 0 MILLDk 38 rzvuatla n MBMV1LLa, 8A 17841-9758 ?172419759394Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the endosed envelope. Dons forger you can use your homes equity to consolidate debt, nuke home improvements or have cash on hand for unexpected expenses Our customers lower their payments an average of $400 per month.' ' Inwer awrW menddy payment chi, b,,d en fim monh4 payrrhcrr on non-purchase kasu, aduiw of daring cnra, ,has decd bnwea o110112o0fi and 1213112006. Aciuel lower payment nay wry In tone asm nfirwoing ho ppy elf touting ddx may mend the term of the debt, puaibly rasdting in higher overall tau. 10-day daim W,ol ed from -cipt of eomplaed application and all required wpponing doc awrmtion, 30-doing-cat option requires minimum lawn anwwn of }50,000 and u not awilahk with dl produm. 6mpk awiW diry card 01108/07: 380,000 20-y, fned•rare hone cquiry lout a 9.0% APR. Additional ter- and rean-imu apply. Off. inteeai fa qualified applicants; only. Tema and coditiau nuy change at any time. No all lonw producu or terra are awilie in all states. Actual loan rcrnu arc tubiect to qualification for intent credit ud prnpeary The acrud doing timn mq wry bused upon the tare in which the property it katd. Thu u not a mmmim... o nuke a lour a a tomtit anh to the ineerw one. pain. and far fo a lout. 0 2007 fiPird Oar Sar w as, Inc CIP"d 0n1 u • f-k-91 tart- o-,ir wank Aff ,ilia rot 4 Nome Equity Loans I Mortgages I Refinancing I Debt Consolidation lttmoewt No?9rahasu yw mal a w w01 yo ondlad to your axotrt u of We 6trinea a 3 p.m. 61' rm ridsd (I 1 you wad the bboohhootmst pottioo of tlhis stsrannn a w oMcitis the awww taainrrrt phvo?o? pod (2 g;Ea b neaiwd (n wr protw? cancer (13 noon PT) pines a w a keaa Rvp (3) bassinet rLya for pawl delivverpyy. ve l by w at s fovea be aadited r of due rLy we caceiw Nan. put buptorp do am MoaNy Wough spnray, excluding nolMp Play rb ma we appla. Pttpa dig, ac. when preparing yow payment ya 8027442 get stuck with a great fixed rate A FIXED rate home equity loan from Capital One" is the solution to variable interest rates. Loan Amounts: A Fixed Rate Starting At: Closing Costs: 220,0004500,000 7.56% All $0 options available Hidden Fees: Closing Time: Tax-Deductible Interest: Personal Loan Rep: NCN E 10 days or less YES*' YES '? Home Loans- Your home's equity deserves the best. JESSICA D MUM- Capital One Because you are a preferred customer, we'd like to help you make the most of Home Equity Loan your home's equity with the least hassle by inviting you to apply for a Capital One Home Equity Loan. Upon approval, you'll have a FIXED rate starting at 7.56% Fixed APR annual percentage rate (APR)' and an amount customized to meet your needs- Starting At from $20,000 to $500,000. 7.58%• This is a great way to pay off high-rate debt, make home improvements or have money on hand for unexpected expenses. Plus, you may be able to lower your No Hidden Fees overall monthly payment by as much as $400.' And keep in mind that the interest you pay may be tax-deductible. Just check with your tax adviser. Personal Home Capital One Home Loans makes getting a home equity loan easy. Your Personal Home Loan Consultant will explain all of your options and take you through every Loan Consultant step. In most cases, you can close your loan in 10 days or less. So give us a call toll free today at 1-m-78o-2607 for your no-obligation consultation. $0 Closing Cost Advertised annual percentage rate (APIA) is effective as o102/21/07 and subject to change at anytime. APR is Options Available based on an excellent credit history, minimum 560,0001oan amount, 80% combined loan-to-value ratio and a 20-year fixed-rate second-lien mortgage. Additional turns and restrictions apply. Consult your tax adviser regarding tax deductibility. t Lower average monthly payment dawn based on first month's payment on non-purchase loans, exclusive of closing costs, that closed between 0101/2006 and 12411/2006. Actual lower payment may vary. In some cases, refinancing to pay off renting debt may extend the term of the debt, possibly resulting in higher uverall costs. Capital One is an Equal Housing Lender. See reverse for additional important information. Apply Today ZOf1074 For Your No-Hassle Home Loan Solution Visit us online at _ www.capitalonehomeloans.com Call toll free 1-600-760-2607 Mon-Fri 6 a.m.-8 p.m. and Sat 10 a.m.-1 p.m. EST Preferred Customer Number: 9008 027 122 5857 8027442 Home Equity Loans I Mortgages I Refinancing Debt Consolidation 4054 504 1 7 LENDER 5 070405 5A0a 3 oe s mW6044 Q: b there an obHpdon wben I =1117 A. No. Wben you rail us, you are under no obligation whatsoever During your plane caimera idon, a Personal Home torn Consultant TO sY" help you dewmi ne the ban amotna and talus dra best suit your needs, Then itit entirely up to yowl Q-. Why at lost use my bank for a home Icon? A: Capita One Home Loans takes the ha=les out of the loan process. Not only is the process quick and easy but itS personalised. lbu won't have to deal with lots of people. You'll hm one de&wW loan consultant who will handle everything from an to finish. Q' What Prop=q 41M we digible for a Capital Doe Home Loan? A: We offer hone loans for single- and multi-family homes, townhouses and condos. At this time, we do not offer hone loans for cooperatives, manufactured homes and module hones, mobile homes and commercial properties. Q: Can 1 borrow more dean my homey value? A. We have a product that does qualified appliance to borrow up to 125% of their homey value. Q: How co I use ray home equity low A. Ilse it how4er you choose. Pay of higher hater eat rte credit card and loan balances, make home improvements or start a new bnshmsss. Keep in mlmd that no matter how you use it, you may be able to deduct the interest at rat time. Just chedl with your tax adviser Q: Does Capital Doe Hare Loons require a minimum loan amount? A: Yes, the minimum tool amount is =20,0110. Q: Whm if I am self-employed or have missed a payment? A. Whether you have perfect credit, less-than-perfect credit or have hard-lo-prove income, we wW work closely with you to try and find a home loan solution that best meets your needs. Q: What Isdoraoa don do 1 need to have ready when 1 call? A. Please have the Wmiling information all"al k: • Your Preferred Customer Number on the from of [his letter • 7be estimated value of your hone • The balance of your first mortgage • The balance of am secondary mortgage loans • The amount of the loan and credit cud balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800.760.2607 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 am.-1 p.m. EST. Or visit www.capitalonehomeloans.com Preferred Customer Number: 9006 027 122 5857 ? Apply Get started onane, or cast us toes Me. 11 you're ordkne, complete the easy and secure appacatten, and a Mortal Home Loan consultant will call you bad right swayl V Got a quick decision 1W'a Inow it you'w bean approved in minutes. V Track loan status 244tour access Ms you track your loan status,astim. Md our consultanu are "",As phone or emMl. Y Neat-dey denary AN vow paperwork is prepared and ttellwred to your dew vu neat-day air or by emit. ytk'w made it ample by highlighting the areas for your signature. # 'Close in 10 days w tasl "1^•e•e / `f cells llaw your check sent to you or direct deposited. 10.day deim calculated hom rcaii. of aun*" appkcatien sad di ugrrirsd supportu,a ducwetcnution. a0.clo loll c option requires mi.i.- lout amount of $50.000 and it cwt awnkblc with all prduaa. Semple av.&Wi,yu of o22iM7: $80.000 20-yr. reed-rate home equity loan a l.56% MR Addidond remu and -triaiom apply. CNter intended for q-hried applicynu only. Team and curndidorw my dunac a any gnu. Na 1st loan praducu or tam are available in as states. Actual but terms are au*a to qualification far incurne. credit and property. Thu acml detina Limn my vary based upon ere nee in which the property is located. Thies it not a aunout-n tu auks s luut o a taunmitusrann w the imerstt new, points and fees fw s Ian. 02007 Capful Oneaeyicg tae Caput One iota Mostlytgaaed se comuk. AO rilltts mwve& 8027442 Home Equity Loans Mortgages I Refinancing I Debt Consolidation Turn high-interest charges into money 500041 you could put to better use. A fixed-rate Home Equity loan from Capital one can help you consolidate the no-hassle way. • Fixed APR starting at 7.5696' • Loan amounts $20,000 to $500,000 Q Call toll free 1-800-780-2807 • $0 dosing cost options available • Close in 10 days or less ® Or visit www.capitalonehomeloans.com No hassles from call to close, your Personal Home Loan Preferred Customer Number. 9008 056 130 7937 Consultant will handle everything. 11A4er,eo,060 6an I YMar11 -. trraaaarenei.elfmiw ea(0 aed ad1- - . AI7:s6rrd en Yle7 fd4i1k . . e? , Cox.neribiel 6---" -& raeio -d a 201) wd b°" 17N= Capra) One b an I;° °° t1 Y40A4 m 04"tl -um a may. Equal Hourir,g Icrrder. S. novae for addiee,Yl ur,paon, iufirnueion Nome Equity Leona I Mangaga I Raflnanclns I Debt consolidation LoMa FINANCE Previous Balance Payments dt Credit. CHARGE Transactions New Balance Minimum Payment Due Doe 5880.09 - $28.00 S21.56 +5824.48 - 51,500.13 $45.00 May. 05, 2007 Mar. 06, 2007- Apr. 05, 2007 Page 1 of 1 wu w At rwr net mmw Vim PLWA= Account 4862-36267337.3364 Your Acocam Information TOTAL CREDIT LINE TOTAL CRAVAILABLE EDIT CREDIT 51f.00 jp CREDIT BLE CREDIT FOR CASK 51FChar ging (Plane see reverse for important i br. Balance rsa Periodic ilFTNANC applied ro rslo CHARD Purchases 51.325.20 0.05247704 19.15% $21.56 Cash 50.00 0.05545504 20.24% 50.00 AL PERCENTAGE RATE applied thia period: 19.1 is At Your Semis 1.800.903-3637 To all Cuoorror Reboiom or a report a lost or stukn cod 1 03 APR CAPITAL ONE ONLINE ACH PA YMENT $26.00. Tam saeuoea 2 06 MAR TRACTOR-SUPPLY-CO #0264 CARLISLE PA 526 47 3 01 MAR SAYLORS MARKET NEWVILLE PA . $28 01 4 10 MAR B:INDERBD SPIRIT VLTERINAR CARLISLE PA . $192.00 5 13 MAR TRACTOR-SUPPLY-CO #0264 CARLISLE PA $7 57 6 14 MAR GIANT FOOD #331 MECHANICSBURG PA . $37 00 7 19 MAR WAL-MART 02574 CARLISLE PA . $3266 8 18 MAR LOWBS #1710 CARLISE PA $14 36 9 18 MAR THE HOME DEPOT 04149 CARLISLE pA . $104.96 10 18 MAR WM SUPERCENTER CARLISLE pA $78 79 11 20 MAR ILLUSIONS HAIR STUDIO NEW VILLE PA . $30.00 12 20 MAR GIANT FOOD 0331 MECHANICSBURG PA $31 00 13 24 MAR GIANT FOOD 0331 MECHANICSBURG PA , $71.00 14 03 APR PAYMENT PROTECTION 1.888.527-6904 S14.70 ® Sad payments to: ?Capita Ora Hong Lam offers a variety of no buala he ns lean product, mck dkq 6ro mortgages, reRnawe and Capital One Bank C P.O. Boa 70884 0 Charlotte, NC 28272i!?11eh?? ?a°??°?don low, as well as bans equity loom cad lines of aedit. Our tam of mpaiarad pmfwdomb '.+woarraa dal your tituatina is unique so your loan solution amid be too. You'll bave the 000.01 n, nuendnn of A the man personal loon eonadYnt Bom call to Glow. Visit wvvw.capialoralrorraloana.wrrr for more intormntion. Sad uirim to: Capital Out is an Equal Homing Leader. Capita One 0 P.O. Box 30285 0 Sala Wet City, UT 80130-0285 feso 505 1 7 5 070405 NMI W2 PLEASE RETURN PORTION BELOW WITH PAYMENT CAT?VOae,..??? I what's in your wobt7- 0 4862362673379364 05 1500130026000045005 •? Nog Balance Minimum Payment Due Data 51,500.13 E5g4g5?00 May. OS, 2007 THIS Ah'gyUWEAST Amount Enclosed = CarLtal one sunk P.O. Cos 70814 041250 CMslette, VC 28272-0884 8027 22827"MS47c Account Numba168823626.73373384 address or phone number changes below using blue or black ink. print Pious Address Home Phone ftmete Phone E-mom address 810086040081840081 MIL 10 trwalR J1111 Zen 0 IRLLQ 31 Noss no MM LLB, 8R 17841-8788 01724197593840 Please writs your account number on your check or money order made payable to Capital One Bank and mail with this coupon In the enclosed envelope. Don t forget you -1 - your homes equity to consolidate debt, make home improvements or have cash on hand for unexpected expclues Our customers lower their payments all average of $100 per month.- ' Lower awxaPt monthly paynnaN daim bassd ou lira masthi paymem an mn- lowa wt rrra 1^arhaN ioaru, ndsi.e of rdairnl coax. that dozed between of /ol/g006 and I V31/2006. A,," P"'" y n+ry• In nme rase, rdinarsin8 to pay safe Wig debt mry mad ds term of the debt, possibly raulrin, in hil6a -au nets. today d•im rakulau d Gorr rasp, of campknd applinriou and a0 "Psimd supporting documsaam n. So•d is not available with all PfO SamPk a ;ilabili7 u of 02/0707: $80p.000 ° °t?'?on m n ban amount 150,000 and duru 2". Gmd-taa horn aquiry Imn at 4.56% APR. Additional wasta ¢mu and raoictiau apply. OR intended for *Wificd apPhesn's sNdY'yerml Sol condkiau mry dwoc at my des. Ns all loan products or term; arc available in all o ma. Actual lam term ue aubicct m gsWifintias for incense, uedit and praperry. lies gaud dsirr/ timer may wrl• bared upon she care in whids the prssperry la looted Thh is not a n ink- t w nsak a loan a a nmmimss.ss to rise inaser nto points and (ea fa a loan. 03007C*,&d Ors SrraieA /w. CglrAf Ow is a/GJrrdy rs)nrasnl rnfn aaw1. Alf rillw nnermrj Nome Equity Loans I Mortgages I Refinancing I Debt Consolidation T. 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Aitnsusas, Rsasas dsNpss, pas as PaP•Na ass. ass aiwrw bM ant a•Ya V wwPpbswaaarsl Yeasw -a 'asPNnasaar YryO ar ann wYam N" nM al l uaessia a b les ar Paaoby aawa at w aaa 8 am"" b prn;esM ataaa• as assaaa ithdam 1? ??u?_.?•?wyarr MPG111P MIya CH&C606S•e- lmmppoorlau PatUO11 or NoRathn stasmul platu yyoouu Illatl b us will be credited to your account u of the blpsi11M M we recaiva iL bosom andyyoouur cheek in dw art WW rwdyftnw avplppp and (2 Provide/ (1) you smd Ne. by 2 p.eL ET (12 noon PT) PIMa aROw at it" five ($) Iltsi11w for Paatd t Sour Payj eItt s ,peep m Onr proaesn118 cmbr any ddw flAlw be endited u of the day we taeivs,lees. our buRnus as rill very. reeaved by us at my o0rr locadon or in Place do 1101 IRS mPk$, Paper clips, set. whw limpt ring your payments. Ya n Money Wough s.ard.y, Including holir4ys. 8027442 7.,56% APR* 500085 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Equity Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One, Home Loans takes out the hassle: e Customized loan amounts from $20,000 to $500,000 e $0 dosing cost options available Close in 10 days or less No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toil free ,-too-780.2493 Or visit www.capitalonehomeloans.com Mon-Fif. Sam-Bpm; Sat IOam-fpm EST /\ Preferred Customer Number; 9105 035 138 5970 ' Ad 1Mawod annul poau? ewe r eR rivr r d!/IL7067 n4.lpr n.iwq. n.,p riwe APR Y hrcd an.n m1M.w adir hmrr¢ minimwn ssm A061mr.maum, BOM mnhined lmnronA,r raoo Mad a 16101611-r.e.em,4Fan mangy. Addidan.l smu aN ,mk-),.pply. LENDER HomCe Equ0 . .. Eq.d twirl Mortgages ?? S. ? Refinancing I np Citbt rat iS i 1.ion i -- FINANCE Previous galore"" Payments R Cr"din CHARGE Transactions New BWnce Minivan Payment Due Daft 51,500,13 - 545.00 523.77 + 514.84 - 51,493.54 544.00 Jun. 05, 2007 Apr. 06, 2007- May. 05, 2007 Page 1 of 1 rlau11 aw AT uea TM AM01M Vita Pb11mm A"coum 4862.3626-7337-3364 Your Aooount Inforrrolim TOTAL CREDIT LINE $1,50g0, TOTAL AVAILABLE CREDIT ?pp AVAILLABLE CRED OR CASH 51,E .480 Fironce Cb.syMa (Ploar rte raven" for imporhnt infomM ' ) Balance rest Periodic far mgPINAN applied to rate APR CHARG Puteha a" $1,510.09 0.0524754P 19.13% $23.77 \Cash $0.00 0.05545W 2024% $0.00 ANNUAL PERCENTAGE RATE Wiled this Period: 19.15 ® At Your Service 1-800.903.3637 To all Customer Relation or to report a law or dolen card 1 05 MAY CAPITAL ONE ONLINE ACH PA YMENT -$4500- Transactions 2 05 MAY PAYMENT PROTECTION 1.888.527.6904 $14.64 capital One Homo Lam oRm a variety of a haMab home loan plodwIts inciedis8 fins ntortgap0, MS. and debt -lidadon WAIK AS '0011 u holm equity bass and lima ofa vdil Or Mom of cxpainmed inolbriomb unda0hnd011011 yotr situation is whin so your Man "lion should be too. Ya9 have the onaan•om atta k of 1110 Maim Weasel INN eonatlant fiom call M close. Visit vww.cpiMbmhontelam,wm ror mm iofarmtioa, Capital One is an Egml Homing Lads. ® Cpltasendl On BMak -On, In ,- P.O. Box 70884 7 ChaHotte• 1140 29272-09" Capital : sad Oto 0 P.O. Ba 30283 :: Salt Wce City, UT 84130-0285 Mari 504 1 t a 070ea ram 1 a1 r PLEASE RETURN PORTION BELOW WITH AYMENT cowwow I t'sin pus '00X"17' 0 4962362673373366 05 2493540015000064002 wha New Balance Minimum Payment Due Date 51,493.54 544.00 yq? Jun. 05, 2007 PLAWN Lt.AST Amount Enclosed T CaOLtal ON Reek P.O. "a 70$84 ?4I56n Chealotb, RC 28272-0884 8027441 ... 847D Account Number4#823111126-Mlir- 84 PP imprint address or phone number changes below using blue or black Ink. 090120040031340000 MIL to snaeaa M"ZCR 0 taLfiR 38 9I81LI311 RD Ima1RLL1, 9R 17241-9759 "1724197593840 Please write your account number on your check or money order made payable to Capital One Bank and mall with this coupon In the enclosed envelope. Doter forget you can use your home's equity to consolidate debt, make home improvements or haw cash on hand for unexpected expenses Our customers lower their payments an average of $400 per month! y lower X-W rwthlY payment claim hared on fie month's payrtwu on mn-padtde IMa, exclusive of -isi cmo, that deed between 01 /01 /2006 and 12/31/ZOIIti. Actual lower psymMt may wry. In rrne ads, t dooming to pay dF missing debt may mend the term of the debt. prdhiy resulting in higher overdl cab. 10-day claim calodarod Pram mor pr of wed appiiation and a0 required arming documentation. S0-dorbgi wa option requires minimum loan amount of 350.00o and is nos available with all prod- Sample wailahility b of 3/12/2007: SMAD0 20-yr. fbcd-rare home equiry Inan aeg.06% APR Additional moms and reamctioa apply. Offer intended far qualified applicants ody Terms and conditions may change at my dw. Nor all Ian products or coma arc available in all sharer. Actual ban mmu arc vA*-t to qualification for income, credit and pr^M9• The usual closing times may, vary based upon the was in which the propmy is loured. TLis is nor a commuter rnt m makc a lom or a mmmirmens to the intent rate, pants and feet for a loan. O 2007 Ciiwd fhw Strawn fern. Cq"W Q. a afiia&-I y rjars-d vain nun! Afl vita mrewl Morns Equity Loans I Mortgages I Refinancing I Debt Consolidation t;, b Avoid s FMnu aN W 1 ti. Oro MI06 You wY MM ti nitYnsxn da06 Psuod d 7b err sMw ahstw dNlbti M eras dsdhrM. nor Ihatao a V. pe.6Y y- bb 74rr Bslaw', h t e. t d. 2. d* beds or do Gwmry Yava ascots a en.hr 0. PI= Tlu 'Amea = M -PI= r'A?R M h 1 b. IIMssap(Ow (o`m"Y WA a d als bblwmbw i rah W eamtisp ft Na?r?i/oa In nrgn Mena Y aNrwM M 11 fad WhIi.TM oaMMlr Fawn9yw Mtl gay tnaeedy r, ad d10 m1 r aonsspav prwroe maed/r erases. d Moo we You nlw we 6atiMym0 a. AOMtimast wb.e. 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'Co" `d sapb'baMbarrnrr:rereadmvaads ame Wassn uWq yon tie4had. torsnawpyb busaweMroaeMOaaaeraw Spat rhmYxrbYawda61 am9 snaaerwb,wv/ OMAN Olb K""n I it Pnvs %pasaiM:sMw i WaMObarnb YYYa+ uss01M6dyplp6aaas1rB6,ppG. vwreraa.mt b.d.w Ceptia Ot4 babrrsay repsbrawwM mwdCpW Otu = w-?w nquan9:ry Fbundsl 11on.Mvriswavs0. 07006Ctipsa Oro asoo bM,tiwax9lo,rrnmMperynwmisss, Min adrmrw A Mdd less nhr dry drorlw tirwMbWN aaum.wow timmrae 616y "Mum m of f ft 1p11YY am YOU tpysd so b tests" d dew h repk-11 r errw mo raw w haweawrew w b YO/npwa b ars ft mount. tinlrw Tlb mtiyl6e1Ob /e. wWdy =.P:=. -hrs nmluear. 01BC60M - 6 -1212101 Ittnowa NolgtanY you mail b a will be addilad b you accart w of the bumon ds w naive it. provided (1) you mW the bbooNNoamn partial of obis sYrdratirlt sadC: ebook in the beeWW m A.. received PT) M Blow d Ira Gvc 5 hwblaa a fa envekw End (2 your pa nis vat to m our proas? N 3 pm E T (I2 moo ew (1 r pawl dd'wry YMOM received by a Ea ury atka lea .tions 8 cen e y ra o?be aeditei Y oflip IM aY we rewire iae. Ushr kY=,w aye ue Mon&y Wough Saturday, exchatimE itolidsys. apa c r P blapla, s, ob. when PtePriN Y ptitrNrht. 8027442 W Ltd braberm aalYdby )altsnWMeYwwN mo . ser Nrodo parbd Israhw W asIM Mb I Thms W we Ism in rrao r her Is ro arses Pw MOe M MY sarseimrh V.. M nil MY M Isa9'Ilmw Ihtibmr.. b. Abaaha Fyhbna enwb. Trwrrr Maenw nor O e,^4 Home Loan 2W?4 PREFEWD CU90WR ORt Home Equity Line of Credit CLOSING TNdE: 10 Days or Less OFFICIAL SEAL: ACCOUNT STATUS: PREFERRED CLOSING COSTS: $0 Closing Cast Options Available TOLL-FREE NUMBER: 1-800-780.2493 EXAMPLE HOME EQUITY LINE OF CREDIT AMOUNT. $64,892.001 INTEREST RATE: Starting at Prime, Currently 8.25% APR* EXAMPLE MONTHD' RMMENL $446.131 DOCUMENTS PREMED IK Dear JESSICA D MILLER . p • ¦ ONE >E fil. HOME EQUITY We're impressed with the responsibility you've shown in managing your finances with your LINE OF CREDIT current Capital One* account. So much so that you've been specially selected to apply for a Capital One Home Equity Line of Credit. We are committed to getting you the best nee you qualify foS surfing in 815% APR" Upon APR STARTING AT approval, we offer loan amounts up to $500,000 based on your individual needs. PRIME CURREN1I17 A flexible mmytlme cub source , Withdraw the exact amount you need simply by using one of the convenient access checks, then 815% pay it back in low monddy payments that Bt your budget. Plus, any Interest you pay may be tax-deductible. Just check with your to adviser. This is a great way to: CLOSE IN 10 DAYS • Make home improvements, pay school tuition or cover unexpected expenses OR LESS 4 Lower your overall monthly payments** • Consolidate high-interest debt Call 1-M760-2493 forpeoonal service PERSONAL HOME In additlon to this special offer for a home equity line of credit, your Personal Home Loan Consultant LOAN CONSULTANT will work with you to find the best solution to meet your needs. We offer a variety of home loan solutions, including feed-rue home equity loans, refinancing and debt consolidation loans up to 125% of your home's value. NO HIDDEN FEES Sincerely -it W. J.IAK? Pat W. Johnston, Direxot; Capital One Home Loans 7 Upon aPpe", your credit One may wry hued as your gaff Awnw. f64M for $446.13 a momh r mple Is And on r marble marl paeeieae rw dhma, 915%Tk unpMy roman k u lueeeody prymor kw the 4q um Seca. You lace Ne upw d paybg acre tuned p &4d whsrwr yo dwre Nth nu p tint perrhka Met ee a bogie equity hie or he d credit am Wer&w dw WW ow err of mombly pgmnaw and the mat wmw pdd whm cwgwvd a Tar carrem Wus iw. • %WWhle mW pecenrpe rat u PoWMW to dw "hbaey s btrmW' rmafnr d flu vW.a,wdaAmrwdu d 3/24/07. Mxdm= APR Is I&W%. er In honk amen reanadag a pry dr%Wj deW may eneod Ow term of dw ". posvi* rerdit In Alaher ak cow. Crpd One Is an Equd Now" Land, $ee revere rnr rddidmd keporea Wornam. Apply today for your no-hassle home equity solution. W74 CALL TOLL FREE MON-M IIAM-aPM AND SAT TOAM-IPM ESL OR NSIT. 1-800.760-2493 wwwCAWALONEHOMELOANS.com PREFERRED CUSTOMER NUMBER: 9105 017 122 6601 8027442 Home Equity Loans I Mortgages Refinancing I Debt Consolidation Wee 404 I 1 5 070505 mla 2 ee 2 01rk4084 Q: Is there an ob4igatkm when I call? A: No. When you all us, you are under no obligation whatsoever. During your phone conversation, a Personal Home Loan Consultant will simply help you determine the loan amount and terms that best suit your needs. Then it's entirely up to you I Q: Why not just use my bank for a home loan) A: Capital One Home Loans takes the hassles out of the loan process. Not only is the process quick and easy, but it's personalized. YOU won't have to deal with lots of people. You11 have one dedicated ban consultant who will handle everything from start to finish. What property types m eligible for a Capital One Home Loan? A: We offer home loans for single- and multi-family homes, townhouses and condos. At this time, we do not offer home bans for cooperatives, manufactured and modular homes, mobile homes and commercial properties. Are there any drack-writing or transaction fees? A: No. You can use your line of credit how you want and when you want without any fees, You can even get cash by simply writing a check to yourself. Q: Now can I use my home equity line of credit) A: Use it however you choose. Pay off higher interest rate credit card and loan balances, make home improvements or start a new business. Unlike a faced-rate loan where you make payments on the entire amount borrowed, a home equity line of credit gives you the flexibility of only making payments on the amount you use. Plus, no matter how you use it, you may be able to deduct the interest at tax time. Just check with your tax adviser. Q: Can I borrow more than my home's value) Av We have a product that allows qualified applicants to borrow up to 125% of their home's value. Q: Does Cepkal One Home Loans require a minimum loan amount? A: Yes, the minimum loan amount is $20,000. Q: What Information do I need to have ready when 1 call? A: Please have the following information available: • Your Preferred Customer Number • The estimated value of your home • The balance of your first mortgage • The balance of any secondary mortgage loans • The amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800.760.2493 Our Personal Home Loan Consultants are available Mon-Fri S a.m.-8 p.m. and Sat 10 a.m.-1 p.m. EST. Or visit www.capitalonehomeloans.com Preferred Customs Number: 9105 017 122 6601 Everything should be this simple. Our No-Hassle Home Loan Lending Process ? Apply Get started online, or 00 us tell tree. If you're online, complete the easy and wave application, and a Personal Home loan consultant will call you back right awayl ? Get a qukk des I kal vou11 know it you've beer approved in minutes. ? kadt ban status 24-hour most lots you track your ban status onlne. And our conwhams are avail" via phone or email. ? Natlday delivery M your paperwork is prepared and delivered to your door via neat-day w or by email. WaW made it simple by highlighting the areas for your signature. ? Close in 1 e days or bast Have your check sent to you or direct deposited. I0-Jay daim aakdaad from rooript of complew awkmion and all mquireJ supporting Jnumenadon. 410.elodna .oa option requim minimum loan amount of (60,000 with a f 2$,000 minimum dmv site and is rot available with >V produces. sample ara"jky at or 3rM7: 180.000 20.yr. r riablerace home equity lin< of credit wide $15.000 dmv site, arrently rt 9.23% APR Addhiond temu and mtriaiona apply Offer imended for qualified appanna only. Times and con dons rosy dmryr x any alma Not all ban peoducro or emu arc mW k in all nam. Actual loan arms as vAject to qualilkasion fly income. credit and property. The actual dosing time may vaay based upon the scare in which the property is located. This is not a mmmitanmt to make a ban or a mmmitarrem to the interest aoc, points and fen for a loan. e 2W7 r ,.d 0- S--, rue r*.d on,, . fA,dy nrinndawera aw rel. AM,. resew" $027442 Home Equity Loans I Mortgages I Refinancing I Debt Consolidation 7m45% APR* 500085 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Equity Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One" Home Loans takes out the hassle: a Customized loan amounts from $20,000 to $500,000 e $0 closing cost options available a Close in 10 days or less No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Cora toll free 1-NO.760-M7 Or visit www.capitalonehomeloans.com Mon-Fri. Sam-Sprrt; Set 10&n-lpm EST Preferred Customer Number: 5087 031 019 7918 'Adwrd.eda.am.d paonraf ra.ei.olkoooarf4aVW and a4m wduup a. ay doe. MR k hood w w aw"oath lim mSOWN en swum, QR I'd- ool•7Ayor had-axon"-nooge. Moodily pgmme for 6.-pk u*W A"dead emu.4 me?w.6omapply. ?e cipid One ka Equal Housing Lrnda. Ser rewire for ad&ional important information. Loen Home Equity Loans I Mortgages I Refinancing I Debt Consolidation FINANCE Preview Balance Payments k Credits CHARGE Transactions New Balance Minimum Payment Due Date 51,493.54 - 244.00 229.11 + $14.83 51,493.28 $44.00 Jul. 0606, 2007 May. 06, 2007- Jun. 11, 2007 Page 1 of 1 Via Platimutr Account atinum kwon Fuse se' u 1119 ram Moen IMPORTANT INFORMATION ABOUT YOUR GRACE PERIOD: Iryou pay your belsoce in full every month by 1862-3 yew due date, you will enjoy an iaarwl-flee grace period o(25 days on new purchases. Paying by your due due also helps you avoid late fem. Pleuc taw the back of your wtemat for more details and Wank you for Yom Account lnforuruon Yaurbu siness ' TOTAL CREDIT LINE a?pppp $1 TOTAL AVAILABLE CREDIT X8,720 CREDIT LINE FOR CAS Paynagas. Credits A Adiwtmmts H $1, 00 AVAILABLE CREDIT FOR CASH $8.72 1 051UN CAPITAL ONE ONLINE ACH PA YMENT 544.00• Tnoactiom Finance Clsrgm (plain tae revere for hoportaMfnforrns' ) 2 11111N PAYMENT PROTECTION 1-888.327.6904 $14.63 Balance rue Periodic Correapo?mgFOdAN applied to rue APR CHARG Purchases $1,199.39 0.052477W 19-15% $29.11 Cub $0.00 0.05S4S7W 20 24% $0 00 Capita One Home Law offers a variety of no hassle holm Iona products, including first mortgagor, refrume and . . debt consolidation Imo, as well as boom equity low and goes of aredn. Our team of azpaiemed professionals ANNUAL PERCENTAGE RATE applied Chia pmiod: 19.15 urdmataeds that your sihmdon is unique w your loan solution should be Mo. You71 have the ono-oo" attention of the same personal I mm consultant time u0 b dom. Visit www.eapitaWttehomekam.com for more information IS At Your Service 1.500.90}3637 . Capital One is as Egm1 Housing Lends. To all Customer Relations or to report a lost or Nolen card: ® Sad payments to: Capital One Bunk ? P.O. Boa 70884 ? Charkma. NC 25272.0884 A Bend upuiri Capbl One m to P.O. Be. 30255 C Salt Lake City, UT 84130-0285 sass sin 1 7 31 070611 sea 1 of 2 ouwms PLEASE RETURN PORTION BELOW WITH PAYMENT /?.?? 0 4862362673373364 11 1493280044000044006 ..w a.?a ??? I west's in your wager Account Number48623626-73373381 Now Balance Minimum Payment Due Data Please print address or phone number changes below using blue or black ink. 51,493.28 E$4?4?00gyO TJuL 0e, 2007 Address PLpP&AYU? LEAST Home Phone Alternate Phone E-mail address fta Amount Enclosed 5503651040071510058 101IL 2D NpOQ JY82G D IQLUM Capital One sank 38 8Z8aL5115 SID OIIt7? MMMX A, PA 17241-9788 F.C. aoa 70884 Ct721197597540 CLs.clotte, SIC 28212-0584 8027"y 92720494$4T Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of $400 per month! t Lower avenge monthly payment claim baud on Am momhi payment on rron-pumham bane, exclusive of dosing costa that dosed between 04/01/2006 and 03/31/2007. Actual lower payment may vary. In some cum refinancing to pay off exiseing debt may extend the term of the debt. Possibly resulting in higher overall cam. I 0-day claim calculated from receipt of completed application and a8 required supporting documentation. g0•cbsingm option requires minimum ban amount of $50.000 and is not avaiiAle wish all products. Sample avwi4bility as of 4/23/2007: $80,000 20•yc fixed-rue home equity ban u 7.%% APR. Additional terms and restrictions apply. Offer intended for qualified applicants only. Terms and conditions may change u any time. Not all loan products or [errs arc availaWe in all am=. Actual loan terms arc subject to qualification for income, credit and property. The amid dosing times may vary based upon the sole in which the property is located. This is not a commitment to make a loan or a commitment to the interest raw points and fats for a low. O 2007 fipiar/ Oar Sernitw, Ne.. Cwpisd Onr a a JG4rr!/y rjwnwn u Wm w,*. All rijbu nwnvd Home Equity Loans I Mortgages I Refinancing I Debt Consolidation OIDMBMe • r • WIC so us will be o edited to you aarortpt as Of the business dos we roan" 14 Pmvded(1) you used the =d C: Check M the encbaed ramwkn d (2 your payment as mocivd m our M caster e? a0ow M New five ($) budttme dare fer posW del{vakwy Ayteeau madded by w N Way other= "tint or in f day we mod days am Monday tlrso so Sakeday, excluding holidays. 1 sec. when preparing your b payment. 8027442 200154 CapiraifOnte I auto finance' JESSICA D MILLER your preferred status can take the hassle out of rinancinq your next car. Dar JUSICA D UUL ZR Competitive Rates Great news! As a valued Capital One cardholder, we are giving you the opportunity to apply for taco financing with competitive rates through No Dealer Capital One Auto Financee. Credit Applications If you're thinking about purchasing a new or pre-owned vehicle, now's a great time to start. Upon approval, you'll receive the following benefits of our preferred auto financing package: • Greater control - you'll know your financing terms from the start • Valuable time savings - there are no financing hassles at die dealership • Increased confidence - you can focus on getting a great deal on your car purchase Plus, your preferred status allows you the luxury of knowing your financing terms before you start shopping. The prestige of your preferred status means that dealer ctedlt applladons and hanles over financing arc a thing of the past. But that's not all. Responding co this exclusive invitation takes just minutes and you can do it from the comfort of your home. Visit us online at www.capitsionecar.com or call us at I-ND-3044854 during business hours'. But hurry, because this offer won't last long! Sincerely, Perry Freeman Director of Accounts, Capital One Auto Finance P.S. Apply for auto financing with competitive rates. Visit www.apitalonem com or call I-8oo.30"34 to apply today! Sn -ft, prier D-1- 1-6.g 6i f.. r 200754 Reservation Number: 0114008083-08875 Have this number available when you contact us. Visit us online at www.capitalonecar.com or call i-womaas4 •Motday-Fiday, 8:00 a.m: t 1:00 p.m. and Saturday. 8:30 a.m: 7:00 p.m. (eastern time) Caiplfslone auto finance 8027 L2 2002 502 1 7 11 070011 tai 2 a 2 010M20f2 IMPORTANT DISCLOSURE& About the offer Offer valid for 120 days from mailing date. Certain conditions may apply. This offer is nontransferable and is not valid in AK, HI, NV, ND, OR, VT, nor any U.S.-dependenr territories. Program restrictions apply. About you (the applicant): To be eligible for this offer, you must be in good standing (not over limit or par due) on any other existing Capital One account. You must be at least IS yeah of age. To process your application, your credit history will be raiewed by Capital One Auto Finance and must pass scoring requirements. Your credit bureau report must show any bankruptcies as dis- charged. Gross monthly income must be a minimum of S 1,500 for this offer. You must have a valid street address within the United States at the time of contract. APO, FPO and P.O. Box addresses are not eligible for this offer. About your financings The amount of your financing will be braced on credit and application criteria. Payment may not acted 12%-18% of gross monthly income, depending on credit. Total amount financed must be at least $10,000 unless otherwise stated in approval package. Ivan-ro-value restrictions apply. About the vehida This offer is valid for all vehicles within the last 7 model years, excluding Daewou, Oldsmobile, discontinued vehicle lines and selected Kia and Sumki models. This offer is not valid for motorcycles, mobile homes, RVs, commercial or sa4 vaged vehicles and boats. Term/Mileage restrictions apply -see approval package for details. Vehicle must be owned and maintained in the United States. Vehicle must be purchased from a franchised dealership associated with a major automobile manufacturer. This offer is not valid for person-to-person auto financing. 02007 Capital One Services, Inc. Capital One and Capital One Auto Finance are federally registered ts"orm rlts. All rights reserved. 8027442 In a law FUMD 7.58% APR* today -500003 40?Mvviith a Home Equity Loan from Capital Onee ¦ CeasoUtN4 debt, make home improvements, ¦ Low FMM APR starting at 7.5896• pay car loans-you choose a $0 cleablg txst solving; awdlable ¦ Chose year loan M to days or less Cog your Personal Neale Loan Consultant today) 1.800-760-2493 Preferred Customer Number. 8077 031 019 9382 Mon-Fri a a.m.-a p.m. and Sat to am .-s p.m. EST Capital One Is an Equal Housing Lender. or apply online at www.capblenehomdoans.com ? • Adwtiad auwY p?maar tats: e8ecdve a of 05/21707 and to a Soy rime. APR r<bared ?.r,??.,? on an anumt Oak ? krmyr ly Poo king a cu, tl0% redo and a 26yer fmdaase aomrr ?ersrlee9ereer ?e/?s dior rmr? MaeWryrnno, mr f For do dw esampk'a 364A Addkiorrd sorrel and renrinrorr aPPI% Sae mvere for addidonal important wfan tau- PENANCE Previous Balance Payments & Credits If/ CHARGE Tesnsacdons New Balance Minimum Payment Due Dam $1,493.28 644.00 + $23.52 + $14 58 51,487 38 544.00 Aug. 08 2007 Jun. 12, 2007- Jul. 11, 2007 Page 1 of 1 14P ntasv rm err u n rra uanart Vim Platinum Aarount 4862-3626.7337-3364 Your Acooum Infonnstion TOTAL CREDIT LINE $150000 TOTAL AVAILABLE CREDIT 912.82 CREDIT LINE FQRDiTCAS8H $150000 AVAILABLE CRtt FVVR CASH X12.82 Finsnce Cargos (Pleam one revere for inponant inform ' ) Balance rata Periodic Corrm oredngIFR4ANC applied to rate APR CHARGE Purchases $1,494.41 0.05247V 19.13% $23.52 Cash $0.00 0.05S43SW 20.24% $0.00 ANNUAL PERCENTAGE RATE applied 06 period: 19.15$ ® At Your Service 1-800.903-3637 To all Customer Reladoru or to report a lost at stolen card Parnents..Croft & Ar iuammn 1 05 M CAPITAL ONE ONLINE ACH PA YMENT $44.00- Transactions 2 112UL PAYMENT PROTECTION 1-888.3274904 $14.38 Capital One Horne Loans offers a variety of no hawk home loo products, including frnl moregga, roMance and debt consolidation loans, as well m home equity lower and lines of credit Our tam of experienced professioob understands dim your Situation 6 unique so your ken Solution dtould be too. You91 have the one-no-one abortion of the same personal Ian cowlYnt from all to close. Visit www.upitslesrdmrtrelans.com far more Information. Capital One is an Equal Housing Lender. ® sad payments to: Capital One Bank 0 P.O. Box 70894 0 Charlotte, NC 28272-0881 A SeW inquiries to: Capital One 0 P.O. Box 3028S n Sak Lake City, UT 94130-0285 ease see 1 07 It 070717 Nine tone 2 ouwooe PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ON LINE /--aplfsPamM/Q 0 4862362673373364 11 1487380044000044002 C ?r- I vAnt's in your wa1MY Account Number4862-3626.7337.3304 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or blade Ink. 51,487.38 ) $44.0 Aug. 08, 2007 Address PLEASEAMa& LEAST AMemate Phone THIS E-mail address 911 Amount Enclosed 49019304003131000# N%ZL ID aoamu Jos Nth 0 WILUM 39 9ZPELXera 1D Capital One sank nmrixLLN, 9A 17241-9759 9.0. - 70854 14218n Chaelotte, INC 29272-0084 01724197393941 80wt,wf272 "7? Please write your account number on your check or money order merle payable to Capital One Bank and mail with this coupon in the endosed envelope. Don't forget you can use your home's equity to consolidate debt, make home improvements or have cash on hand for unexpected expenses. Our customers lower their payments an average of 5400 per month.' ' lower avenge mwddy payrnem claim band on fiat munthIs payment on a purchue loam, odusive of closing cmu• that closed between 01/01/2006 a .J 031312007. Actual lower payment may vary In come cNa• refinancing m pay off missing debt may aaend the Oman of the debt, possibly to siring in h*w overall amts 10-Jay claim calculated from receipt of oompkrod application and all acquired as"mung doctualm stim. gOclootspown option requires minimum loan amount of $50,000 and is nor avsalabk with all prodtwu Sample availability a of 05/21107: 1180,000 20-yr. fiaeJrNe home equity loan at 6.01% APA. Additional terms and murictions apply. Rae locks vary by pn.duct selected and are obtainable after um4rwriting and approval of the loan. Offa intended for qualified app6cam only. Tams and mmJitium may dusrge a any cone. Not all loon produces or'emu ate available in all Sara. A<TUal barn terms arc subject w qualification for income, credit and property. The actual dosing dma may vary based upon the sure in which the property is looter. This is not a commimant to make a loan or a commitment to dale intenat net, points and feel for a loan. O 2007 6ry&.10.r S-iau her. Gjald Orr u a fedmdf7 coq samed tin a.A Ali rgba ma-d Noma Equity Loans I Mortgages I Refinancing Debt Consolidation 1.1 t S. word Maw Mo mw,a arvau.w ,73' to . T/.YAa dydb 3. Moir Fawns. W yew aaaspeddyinhw byhnsyoaadotsb w by' 7.USOa Yew A.aaoL YO and a amoun ambt be uaW 1. .ndaaan yPm POW of 25 to naxlard dos b ft nano Wind. Our 10 -ma aonralon wins SOy.damN 6rtwny.wadiM. pannwrWdw s.nWw Prywsr Onl.bnaror.Wnl Anew cures aaaaaarwM, a.Ya. NlarM lls.aano ch.ah Cenv.rsl... a. II.W 0110 ow PMs""w new aaa toremayb.aawwtar.NnawMMwM ains llawrnn .ywadlwlnten ySOp r+aaw seb . in Now." of maw dwes .laury a.aead. dww rem etwr b . 's raw.Iateab PayrrraMr be m fed Or Yee OWN" 3. 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AAa Your equal in Ebb. x You WQM IS WON" a ns net pawl PMM*W w Was arranaaabnY, w W Cm Pte,P :eO . mawnsrnaal as cows low airrxamn n ion IO SODOM APrwrW WaarW %W W b taow Or. Is 0 COPRAW Oft "No, of m 00 t I ": Pay AN err you Pay amOa WUaw wnrr a S - SWY FwncW taAN xr raawd iphal Oft 7 C " bYoa arrtio gnaw dwaa. Wr sir m m I.S. W. am" had. rWIw1 or net, cash DOW" any n..w any atoraSO aaaasewaw to b YO amd, You w waw o "raw SOW Maurad TWO, .P., mragq he 1.PW net SO as will 06 credited to 5OW cenim 1 or in 8027442 Now the best home equity loan has the least hassle ,/ A great rate starting at 7.58% A PR* ? $0 closing cost options available ? Personal Home Loan Consultant ,/ Close in 10 days or less Call toll free 1.800-760.2493 or visit www.capitalonehomeloans.com Preferred Customer Number: 5077 021 002 7139 ?apitalQ??? Home Loans- Capture your home's equity, and get a great rate with a No-Hassle Home Equity Loan from Capital One" Preferred Customer Number: 5077 021 002 7139 JESSICA D MILLER, Because you are a preferred customer, we'd like to help you in site the most of your home's equity by inviting you to apply for a Capital O ne H om a Equity Loan with a rate starting at 7.59% APR.• Upon approval, we can custom ize a loan amount up to $500,000 based on your individual needs. HOME EQUITY LOAN OFFER SUMMARY Loan Amounts: $20,000-5500,000 A Rate starting At: 7.58% APR' Closing Costs: $0 options ovailabb Hidden Fees: Closing Time: Tax-Deductible Interest: Personal Loan Rep: NONE 10 days or less YES** YES A CAPITAL ONE NO-HASSLE HOME EQUITY LOAN PROVIDES: Great Rates: You will set the bat rate you quably fw, starting at 7.59% APR. Great Value: No hidden fees, and $0 closing cost options available. Great Benefits: Pay down high-rate debt, lower your overall monthly payments[ ii0W the interest may be tax-deductible. Great Service: Your Personal Home Loan Consultant will find the right loan for your needs. CALL US TOLL FREE TODAY AT 1 •a00-760-2493 Adis ited amuat pnmttslerateYaSx6aaef5l2l/07 std subject ndmgeat anydrea APR ibated man ewdnr w19 hion $10A00 bm noun, 90% atartbktd kr?a.viters6oand a20.yar med?e?md-ia ttnt? Muttlryptgerau trthiaaryk 45530M. Addiiai tereaand rookbmapply. •• Corinth your m advise teaudiag tact dedunibiliry. t In some rasa, refinandng to pay oRaining debt may atend the tam of the debt, possibly resulting in higher overall sow. i Capital One is an Equal Housing [coda. Set reverse for additional important information. - 2009e7 Apply Today For Your No-Hassle Home Loan Solution Visit us online at www.capitalonehomeloans.com Call toll free 1-800.760.2493 Mon-Fri 8 a.m.-8 p.m. and Set 10 a.m.-1 p.m. EST Preferred Customer Number. 5077 021 002 7139 11210 8027442 Home Equity Loans I Mortgages I Refinancing I Debt Consolidation (LEND R "as boy 1 07 it 00711 sass 2 a 2 010,5056 Q: III there an obligation when I all? A. No. What you all us, you are under no obbpdon whatsoever. During your phone conrasatim, a Personal Home loan Consultant will simply help you determine rite lain amount and terms that best sit your needs. Then it's entirely up to you! Q. why not just use my bank for a borne loan? A. Capital One Hone Imm takes the hassles out of the loan process. Not only is the process quick atd a is t but its pecsooallaed. You wool have to deal YA lots of people. You'll have one dedicated lean consultant who will handle everything from scut to finish. Q: what property types are eligible for a Capital one Home Loan? A. We offer home khans for single- and multidamfiy homes, townhouses and condos. At this time, we do not offer home loans for cooperatives, manufactared homes and modular homes, mobile hones and commensal properties. Q: Car 1 borrow awe than my homes value? A. We have a product that allows qualified applicants to borow up to 125% of their homes value. Q: How an 1 use my home quit' Iola? A. use it however you chose. Pay down higher interest rate avdit card and loan balances, make home improvements or scan a new business. Keep in mind that no matter how you use it, you may be able to deduct the interest at tax time. Just check with your tax adviser. Q: Does Capital One Home Loans require a mioimon loan amolaw A. Yes, the minimum loan amount is $20,000. Qtr What Klan self-employed or have missed a payraeat? A. Whether you hive perfect credit, kxs Ihan perfect credit or have had-to-prove income, we will work closely with you to try to find a home lain solution that best meets your needs. Q: What information do 1 need to have ready when I all? A. Please have the kdhowing iuformraion available: • Your Preferred Qtslaner Number • The estimated value of your home • fie balance of your first mortgage • the balance of any secondary mortgage loans • The amount of the loan and credit card balances you would like to cauolidate For your no-obligation consultation, simply call us toll free 1.800.7602493 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m, and Sat 10 a.m. 1 p.m. ESE Or visit www.capitalonehomeloans.com Preferred Gustomer Number. 5077 021 002 7139 ? Apbly Get started onli e, or cap us WN free. If you're online, complete the eery and secure application. and a Personal Now Loan Consultant vain all you bad right awayl ? Get a quick decision You'll haw If you've been approved in minutes. ? Track loan status 24-hour sues, lets you trade your ban status online. And our consultants are swaable rta phone or email. ? Next-dsy delivery All your paperwork Is prawad and dalivered to your door via next-day air or by email. YWw made it simple by highlighting der areas for your signature. ? C7osa In 10 days W Insl t / a Now your tack sent to you or dint[ delmsiwd. 10-0ayebimakubladaxan mor"ofwagletedappnudonwd allrequkedauppanirgdocurnestation. SOcloab8.coaslppdon requires minimum loan mount of$50AW and is am svailablavith all p velum. Sunpbavaibbiligasof 5(21107: S80,000 20-yr. axed-ntehooa aquirylmn at 8.01% APR AddkiwW terms and restrictione apply. Iran amount equal ro 12S%of home', value option nee avaaabk with lowest me r d requiter a minimum ban amount of $20.000 Off., imuded for q.Aifud appli- only. Ten,. and euidid- may dwge at any sin.. Na .11 1-1 prod.., or urn. arc available in all was. Anual loan ream, arc nrbj.,r a cl-lir-neu f o r income, c.di, and p,ope,ry. The acnW desirg rimer may vary hued up- the eau in which he pn perry u leered. Thu it .,or a comnumwu . make a bur a a co nnrinr wn ,o the in,t- tau, puinu and lies for a 1- 0 mo7e7wrom..s-,f«<.0" Wone..jlvknrl mnunmd,em,;„,e..k.,vrqh,rnme t 8027442 Home Equity Loans Mortgages I Refinancing Debt Consolidation 7.96% APR' 500011115 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Equity Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One' Home Loans takes out the hassle: a Customized loan amounts from $20,000 to $500,000 $0 closing cost options available Close in 10 days or less No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call tai free 1-M-760-2007 Or visit www.capitalonehomeloans.com Mon.-Fri. Sam-Opm: Sal. I O+m-1 pm EST Reservation Number. 5087 031 022 7818 Ad.adre l amual ruc'r e@eidw ss of 6/2S/2W and cebjart as ckwp a vvy tune APR a bared a>n wallets aadit ham rA $11UN leer amount 80% oembi,wd • loan-m-vahre ratio and a portiere xra Ikn ma,, Madly par. for this emnpk u $667. Additional rem and rwirdem apply. Capital are is on Equal HauinO Loader. See nwerie for additional important 616 meion. CarPd?Q`lC'/V LENDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation Romig Loam" FINANCE Previous Balance Payments k Credits CHARGE Transactions New Balance Minimum Psymem _ Due Dare 51,487.38 - 544.00 524.39 + $92.91 51,560.68 J $80.88 SeP• 05, 2007 y, Jul. 12, 2007 -Aug. 11, 2007 Page 1 of 1 KUM W AT JAM rot aetsan Visa Platinum Account 4862-3626.7337-3364 Your Account Information TOTAL CREDIT LINE $1, 00 TOTAL AVAILABLE CREDIT 0.00 CREDIT LINE FORCASH $1, 00 AVAILABLE CREDIT FOR CASH 00 Fin- CMrses LPktasa sae reverse for im,porsuu info ) Balance rate Periodic Corrmwin 7t4 applied to rate APR CHARG Purchases 111,499.60 0.0524794P 19.15% $24.39 Cast, $0.00 0.05545W 20.2494 $0,00 ANNUAL PERCENTAGE RATE applied this period: 19.15 ® At Your Service 1-Wo-903-3637 To call Cusmmer Relation or to report a lost or stolen cud Pavurrmu. Cradlits t Adiuamra 1 07 AUG CAPITAL ONE ONLINE ACH PA YMENT $44.00- Transactions 2 06 AUG PAST DUE FEE $39.00 3 11 AUG PAYMENT PROTECTION 1-M-327.6904 $14.91 4 11 AUG OVERLIMIT FEE AUG 06, 2007 $39.00 You were aawaed a past due fee because your minimum payment was not received by the due dam. To avoid this fee in the future, we recemmend Oat you allow at lout 7 business days for your minimum payment to reach Capital One. Capital One Ham Loans oBers a variety of rte hassle boom ban products, melodies prat morgalle, refrtarwe and debtommiidauon loos, as well as bane equity taro and lines of eedi4 Our teem of experienced professionals ® Sdmd payments m: wdapoda that your thodoo is unique so your loan solution should be mo. You'll have the aeowone auction of Capin) 0n Bank U P.O. Box 70884 0 Charlotte, NC 29272.0111114same Personal ban Corrltant from all to close. Visit www.apiabedmmebw,can for more information. Capital One is o Equal Housing Lender. e Sand m' ywrier m: Capital Oro ? P.O. Box 30285 C Salt Lake City, UT $4130-0285 6006 1106 t 07 11 070011 Oaa 1 a 3 otomss PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE C&Mh1/0W I what's in your walletr 0 4862362673373364 11 1560680044000060683 New Balance Minimum Payment Due Dow $1,560.68 580.88 Sep. 05, 2007 PLfW'&AAgUAT TLEAST Amount Enclosed N Carpal Ono Sank P.O. Soo 70094 -J248? Chaelotte, MC 29272-0904 o202noSa9i7i?: 8027442 Account NumbeR1662.3626.7337-3384 mss tint address or phone number changes below using blue or black ink. #0224040031340070 19414 SD srw?ot 4111091G 0 In""1111 39 PZPBLM S no MSMVVAM, SA 17741-9789 11724197393840 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of $400 per month! * Lower averagt monthly payment daim based on first month's payment m nun-purchase loans, erclwiw of dosing cout• that closed barwxn 04101/2006 and 0313112007 Actual lower payment may vary. In wine assn, miinrcing to pay off ecissing debt may extend the arm of the debt, possibly resulting in higher mall costs. 10-day claim calculated from receipt of aompkced application and all required supporting documentation. 110-clovngcor option requires minimum loan amount of 750 000 and is Poc awilable with all poduaa Sampk mlabiliry a of W25f2007:1180,000 20-yr. f r d-rate hu ne equity loan Additional terms and ratricdons apply. . at 8.46% APR. Monthly paymanr for this temple is $692. LMcr ina nded for gwlikil appliance only. Tema and conditiau may clump at any time. Not ail ban product, or term, an: mtlable in all states. Actual loan terms are subject lif to qua ication For insane, credit and property. 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Plsm and yautd isd five (s) bwiem; aya fPr paW defy (?? Pe?01 IS t? wos proaad? e en, mseas rec i d a Plnae ? be cavilled a of Me day we receive diem. Our busaaeas days alo les N y e ve ? y ay bah or in M Mott ?y thicaugh Saturday Including Ways Ong ? p , Paper c pa, etc. when propering your pytnwtl. . ' 8027442 200154 CRPIWOw I auto finance' JESSICA 0 MILLER your preferred status can take the hassle out of financing your next car. Dar JESSICA D MD.LER Competitive Rates Great news! As a valued Capital Onca cardholder, we arc giving you the opportunity to apply for auto financing with competitive rates through No Dealer Capital One Auto Finance`. Credit Applications If you re thinking about purchasing a new or pre-owned vehicle, now 's a great time to arm. Upon approval, you II receive the following benefits of our preferred auto financing package: • Greater control - you'll know your financing terms from the start • Valuable time savings - there are no financing hassles at the dealership • Increased confidence - you can focus on getting a great deal on your car purchase Plus, your preferred status allows you the luxury of knowing your financing terms before you start shopping. The prestige of your preferred status means that dealer credit applications and haul= over financing are a thing of the past But that's not all. Responding to this exclusive invitation takes just minutes and you can do it from the comfort of your home. Visit us online at wwtacapitalonecer eom or call us at i-w43a-4855 during business /hours'. But hurry, because this offer wont last long! 7 Sincerely, Perry Freeman Director of Accounts, Capital One Auto Finance P.S. Apply for auto financing with competitive rafts. Visit wivw.capitalonearcom or call 1.8043044854 to apply today! Ser --fir 1.p6ru6r D-h.,".rsn,r' d ih. °ffi 00154 Reservation Number: w4ooaoe3-owe Have this number available when you contact us. Visit us online at www.capitalonecar.com or call 14100.3044854 •Monday-rriday, MD0 a.m.-11:00 p.m. and Saturday, 8:30 a.m: 7:00 p.m. (eastern time) 8027442 CaplltdOne I auto finance" wi{ w{ 1 w li wens 5aa a •6 .1.0056 IMPORTANT DISCLOSURES: About the olFen Offer valid for 120 days from mailing date. Certain conditions may apply. This offer is nontransferable and is not valid in AK, HI, NV, ND, OR, VT, nor any U.S.-dependent territories. Program restrictions apply. About you (due upplieut)t To be eligible for this offer, you must be in good standing (not over limit or past due) on any other existing Capital One account. You must be at least 18 years of age. To process your application, your credit history will be raiewed by Capital One Auto Finance and must past scoring requirements. Your credit bureau report must show any bankruptcies as dis- charged. Gross monthly income must be a minimum of $ 1,500 for this offer. You must have a valid street address within the United States at the time of contract. APO, FPO and P.O. Box addresses an not eligible for this offer. About your finandnp The amount of your financing will be band on credit and application criteria. Payment may not exceed 12%-18% of gross monthly income, depending on credit. Total amount financed must be at least $10,000 unless otherwise stated in approval package. Loan-to-value restrictions apply. About the vehicle: This offer is valid for all vehicles within the last 7 model years, excluding Daewoo, Oldsmobile, discontinued vehicle lines and selected Kia and Suzuki models. This offer is not valid for motorcycles, mobile homes, RVs, commercial or sa4 vaged vehicles and boats. Term/Milage restrictions apply - see approval package for details. Vehicle must be owned and maintained in the United States. Vehicle must be purchased from a franchised dealership associated with a major automobile manufacturer. This offer is not valid for person•to-person auto financing. 02007 Capital One Services, Inc Capful One and Capital One Auto Finance are federally registered trademarks. AB rights reserved. 8027442 Qxe Horne Loans PREFERRED CUSTOMER OFFER: Home Equity Loan CLOSING TIME: 10 Days or Less OFFICIAL SEAL: ACCOUNT STATUS: PREFERRED CLOSING COSTS: $0 Closing Cost Options Available TOIL-FREE NUMKR: I-eo04eo-zso7 EXAMPLE HOME EQUITY LOAN: $65,395.00t IL -411111111W INTEREST RATE: Fixed APR Star" at 8.03%' EXAMPLE MONTHLY PAYMENT: iti4as 21 t DOCUMENTS PREPARED BY 1? W. 1 I. _r1 .. CAPITAL, ONE Dear JESSICAD MILLER HOME EQUITY LOAN We're impressed with the responsibility, you've shown in managing your finances with your current Capital One account. So much so that you've been specialty selected to apply for it Capital One Home Equity Loan. FIXED APR Upon approval, youll have a FIXED rate starting at 8.03% APR* and an amount customized to meet your needs-4rom $20,000 to $500,000. STARTING AT A Axed rate tint sticks with you 8.03% Don't leave your interest rate to chance. Get the stability of a fixed APR that won't change. And enjoy payments that won't budge either. Plus, any interest you pay may be tax-deductible. Just check with CLOSE IN 10 DAYS your tax adviser. This is a great way to: OR LESS • Make home improvements, pay ufiool wition or cover unexpected expenses • Lower your overall monthly pxrntnW • Consolidate high-Interest debt $0 CLOSING COST CaH t-800.76( 42 07 for personal service OPTIONS AVAILABLE Your Personal Home Loan Consultant will work with you to find a sohtton to meet your needs. We offer a variety of home loan solutions, including home equity lines of credit, refinancing and debt PERSONAL HOME consolidation loans up to 125% of your home's value. LOAN CONSULTANT Since* ? If W. Jew NO HIDDEN FEES Pat W. Johnston, Director, Capful One Home Loans t Upon approval, your ban amount may wary based on 3Rxv specific stuatiom Illustration of $65,395 for $54821 a month exam le is based on a fined annual percentage fate currently 8.03%. Ibe MOM* amotatt is a fined monthly payment for twenty years, Taking Oil a home quityy ban may irsuease the son amount paid when co to your current sittsatson . Advertised arum al pacemtage sate is effective as of 6/25/07 subject so change at nay =APR is bated on an excellent credit history, $65,395 ban amotist, 80% eombined loanto-yAw ratio and a 20-year foxed rate second lien mortgage. Monthly payment for this example is $54811. Additional terms and sesuictions apply. •• la some coo, sd mdq to pry of edit &k our aaW the arm of du dek p r4* ces "Is how overall stale Caphal One is a Equal 11m of hider. See rerme for additional bwmW Wormaam. 200298 Apply today for your no-hassle home equity solution. CALL TOLL FREE MOM-FM 8Mt-8PM AND SAT I OAM-1 PM EST: OR VISIT: 14eon 7so zso7 wwwCAPITAMNEHOMELOANS.com RESERVATION NUMBER: 8087 011 002 3947 1 Q 8027442 Home Equity Loans I Mortgages I Refinancing I Debt Consolidation wan Saa 1 01 11 010411 Mae r of 3 01=4054 Q: b there an obligation when I call? A: No. When you call us, you are under no obNption whrsoeler. Wring yllur phone ame sa lon, a Personal Home loan Consultant will simply help you determine the loo amount and terms deal beg ntk your ?leads. Then ills entirely up to you! Q: Why not just use my bank for a home long? A: Capital One Home Loans tapes the hassles out of the ban process. Na only is the process epode and easy, but It's personalized. You won't have to deal with lots of people. You'll hate one dedicated loan consultant who will handle everything from slut to finish. ¢ Whit roplerty types arc eligible for a Capital One Home fawn? A. We offer home loins for single- and mule-family homes, towmbotm and condos, At this thee, we do not offer home loans for cooperatives, mamGeptred homes and modular homes, mobile homes and cornmerdsl properties. Q, Can I barrow more dun may home's value? A. We have a product dwl allows t ablied applicants to borrow up to 125% of their homels value. Q: How an I use wry home equity loan? k Use it however you choose. Pay down higher interest rue credit card and loam bahooes, make hone improvements or start a new business. lisp In mind than no taper how you use It, yon may be able to deduct the interest at tax time. Just clieck wish your tax adviser. Q: Does Capital One Home Lomas "Ire a minimum loan amount? A. Yes, the minimum loan amount is f 20,000. Q: What If I sun self-employcd or have missed a payment? A. Whether you have perfect credit, less-dnan-perfect credit or have hard-to-prove income, we will worst closely with you to try to And a hone loan solution that best meets your needs. Q: What information do I need to have ready when I all? k Pleue have the following InformsWon available: • Your Reservation Number • 11he estimated value of your home • The balance Of your am mortgage • The balance of any secondary mortgage loans • The amount of the loan and credit card Waaces you would like to consolidate For your no-obligation consultation, simply call us toll free 1.800.760.2607 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-1 p.m. EST. Or visit www.capitalonehomeloans.com Reservation 11a .. 5087 oil 002 3947 r Apply Cwt started ordfne, Or call us td free. If you're online, complete the easy and secure application, and a Personal Nome Loan Cornsultsrd will call you pack right awayl ? Get a quick dKWon Wu'a know if you've been approved in minutes. ? Trade ban status 21-hour Saco ktt you track your loan status online. And our consultants are avaaable vim phone or email. ? N-11-day d*Aq AN Dow paperwork is prepared and d*-WW to your doorw neat-day air or by email. wain made It simpk by highlighting the arts far yaw signature. ??_._a?a??__ JJ JL1qffi ? Oou in 10 days a kesf ?+?lJ?IC"ossallr- Now your check sent to you or direct dposigd. PAN Loans 10-0111Y Claim akuiated flan roaipt of compkkd appnaauoll and all required supporting documentation. $0doing-cost option requires minimum loan amount of $50,000 and is rtes avaikbk with cl product. % "Is availability as of 6/2SM7: $60,000 20-yr. find-rate home equity ban at 9.46% APR. Monthly payment for this example is $092.23. Additional Wm and fell lions apply. L- amount equal m 125% of Komi a velar upa.. rot available with lu r st nrc. Offer illumdd f qualified applianu only. Term; and conditions nay lunge a any time. Nor all luan Prod- m arms are available in IN rotes. Actual loan mans an, subicw to gnulifrad- fun incum. credit and paopt".. Thr actual closing dun may wry hued upon dnr rote in which the propray is bramd. Th u is nest a crmmtitmens m nuke a loan or a cammitmmt to du inum rate, points and f r e t f un a loan. 02007 C i o a d onr S , - - . j a r . C r a d ( o n e a.)kAm*rrrwen,Jarrirr nami..ui nn kar umwd 8027442 Home Equity Loans Mortgages I Refinancing Debt Consolidation in a law FDMD ].96% AW today 500082 with a Home Equity Loan from Capital One? ¦ ConseMsb rottta make home Improvements, s Lon I= AN starting at 7.96%e pay car loans-you choose e Clone year loon In co rays or less ¦ $0 dealing cost epdons w ailtlM COY year Pas" Nome Lean Constant to"o - 1-900-700-2493 aesernuon Number: 5097 031 015 4401 Or Or BP Mon-FrI apply ocoin.-6 p.n. and Sat to iol t P.M. EST capital One Is an Equal Housing Lender. online at wwal.GapltalOnnellOmol flWn6.GQ4n ' AAerdd annuli paoa rose k eRxdte r of 07f 16417 and aihiec77 w rp• time A fisabnaa?o/V on a a d ou ask 6ie>7t $11110100 k=, stream, 80g6.+wr?LMeJ rem an d a jo-your LENDER -"d'b- MOOM)r P9awm f- Air -Vk i 8667. AAkiad war cord en a au apply SW aw7tr for addidnrl impur ia(onrrdal NOr110 Loa ms- FINANCE Previous Belaece Payments a Credits CHARGE Tnnw dmr New Bohmm Minimum Payment Due Date 51,580.88 - 580,88 525.38 + 554.10 51,579,48 579.48 OLN. .2007 Aug. 12, 2007- Sep. 11, 2007 Page 1 of 1 Must ere AT mat? nit ara0110 Via Phaimon Account 4862.3626.7337.3364 Your AocwA* lallomrtion TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 [ANNUAL uanos Charger (Pkaw see m'ene for impomsnt inf ) Babace mk Pmiodio Corwwmtdin?p'I e applied to nit AAPPRR rchases $1,339.30 0.032477? 19.13% $25.36 ash $0.00 0.03544? 2014% $0.00 PERCENTAGE RATE applied this period: 19.13 ® At Your Service 1.300.903-3637 To all Customer Relation oret report a lost or aolw card Pam Credits A Adirutn ew 1 05 SEP CAPITAL ONE ONLINE ACH PA YMENT $60.66. lm 2 11 SEP PAYMENT PROTECTION 1-588.327.6904 513.10 3 I I SEP OVERLIMIT FEE SEP 11. 2007 $39.00 Capital One Home Lone offers a variety of coo hausle home Ion pmdwit, In Ceding fist moresses, nliwnce and debt comlidalion lone, as well as home equity loan and liar orerad0. our team ora untie ad pmaesionee undawnde dot your eiwation is sm" w yaw leas "We should be coo. You71 have the one-on-emo apeesia of tlw same personal loos Consultant Bum call to close. Visit www copikbndwmebw.oom lot more information. Capitol One is a Equal Housing Leader. ® Sand payments to: Capita One Bank 1-1 P.O. Box 70894,1 Cherimk, NC 28272-0884 A Sad inquiries o: Capital One 0 P.O. Box 30283 0 Salt Lake City, UT 64130-0283 ® Have a question atom a charge on your statement, Pbm refer to the Rifting Rights Summary on the back of your statement or 0006 5% 1 07 11 070911 caw i or a oternoas PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOO ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE CAPMWO I r/rt's in your vNltat7' Now Bslanco Minimum Payment Due Date C 51,579.48 579.48 Oct. 08, 2007 PL Ap LEgST Amount Enclosed capitel a" Bank P.O. Bea 70064 042790 Ckeslette, TIC 28272-0084 8027"121272OMS47C 4962362673373364 11 1579460060680079663 Account Number"62J926-7337.3384 Please print address or phone number changes below using blue or black ink. Address 690236040031340070 NUL 20 eOw{R a661c1? D eaLm ie tr2mrm ere Iae9ILTa, ea 17241-8738 01724197393840 Please write your account number on your check or money order made payable to Capital One Bank and mall with this coupon in the enclosed envelope. Don't forget you can use your home's equity to consolidate debt, make home Improvements or have cash on hand for unexpected expenses. Our customers lower their payments an average of $400 per month.' ' Lover awrW mntbly paymnr claim bred on fun nuenth4 payment on non•purdtate ban, exdteive of dosing toss, that closed between 0410112006 and 03/3112007. Actual lower payment may vary. In some cores, ndiruancing so pay off eaiming debt may cauad the temm of the debt, possibly resulting in hither overall cant. 10-day claim calculated from receipt of completed appliatgn and all rtquired supporting documenta ion. Wclosing-coat option require minimum ban amount of $50,000 and is nor available with all produce. Sampk availability at of 07116/07: 380,000 20-yr. fixed-rue home equity Ion r 8.46% APR. Monthly payment for this example u $692. Additional temu and renletums apply. Rate lode vary by product td-td and arc obtainable after underwriting and approval ul dmc loan. Cher intended fa qualified appliato only Tuna and cauditima may clungr at any time. Nos all ban prod- or term; arc available in all mates. Actual loan terns are subject to qualification for incu rte, credit sod property. The actual "al; times may vary based upon the sow in which the pmperry is baud. This u most a commitment w mole a loan or a commitment to site interest one. points and Ices fa a loam. O 2007 Go" Oar Swum late. Gyirl Qua k i fialtn* rgaA-d contra rack AM VW mnwat Nome Equity Loans Mortgages Refinancing Debt Consolidation OIDM6056- 1.04110101 t Nolgoateoa yyoauu wit b us will be rxodimd b your account as of tae businer m4 we tstxiw k provided 1) you send the portion of Ois alnOtertsta wd your cheek is ?6_ cabbed raniWn¢e swlone 660 (2) You psymaat is axaivd m ourrmocssdng cuter by 3 p m. ET (12 rtoon P"n. Pkae albw at late Rw $)( buinm days far posW delivery hhynmrw naeeived by as at any location or in aprry rtaot be sap kited AS paper of lithe tky we receive them Chu cusfau drys re MaM6Y tluasgb S6turdeY, occluding lblid6ya. cps, etc, when preparing your payment. 8027442 /11o+ne Loans ?II'IIIIIIIIII'I''II?III''??II'' V?IIII''II'' ''IIN p2WM PREFERRED CUSTOMER OFFER: Home Equity Loan CLOSING TWE: 10 Days or Less OFFICIAL sm, ACCOUNT STATUS: PREFERRED CLOSING COSTS: $0 Closing Cost Options Available Effiblik TOLL-FREE NUMBER 1-e00-760.2493 EXAMPLE HOME EQUITY LOAN: $65,395.00t INTEREST RATE: Fixed APR SWdn9 at 8.033%* EXAMPLE MONTHLY PAYMENT: $548.21 t DOCUMENTS PREPARED BY. alt W. J•WiRik CAPffAL ONE Dear JESSICADMILLER, HOME EQUI'iiY LOAN We're Impressed with the responsibility you've shown In managing your finances with your current Capital One' account. So much so that you've been specially selected to apply for a Capital One Home Equity Loan. FD(ED APR Upon approval, you1l have a FIXED rate starting at 8.03% APR' and an amount customized to meet your needs-from $20,000 to $500,000. STARTING AT 03% 8 A Hated rate d at sticks with you ' . Don t leave your interest role to chance. Get the stability of a fixed APR that won't change. And enjoy payments that won't budge either. Plus, any interest you pay may be tax-deductible. Just check with CLOSE IN 10 DAYS your tax adviser. This is s great wry to: OR LESS • Make home improvements, pay school tuition or cover unexpected expenses • Lower your overall monthly payments" • Consolidate high-interest debt $0 CLOSING COST Csll I.M760.2493forpe..Wservice OPTIONS AVAILABLE Your Personal Home Loam Consultant will work with you to find a solution to meet your needs. We offer a variety of home loan solutions, including home equity lines of credit, refinancing and debt PERSONAL HOME consolidation loans up to 125% of your home's value. LOAN CONSULTANT Sincere* _k W. Jolt NO HIDDEN FEES Pat W. Johnston, Director, Capital One Home Loans t approrA your khan amount my vary based on yyoouurr specific sauation Illustration of $65 395 for $54811 s moDtk a ample is based on a find annual percenZ== ly 8.0396.7& amount is a fined monthly paymem for truemy }eats, Taking out a home equity loan anyioeseau paid when to MW curtest situation. Advertised amoral pertxmage rate 4 effective as of 7/16107 subject to c-h a, u say time. APR is based on an excellent credit history, $65,395 ban amount, 80% combined loan-to-value ratio and a 20-year fixed rate second-lies mortgage. MoatWypayment for this example is $54811. Additional terms and restrictions apply. •• In comae a. rdmadq w pay of oaaft ads many mama the wm d ace era, Poway mWbS in alder oWd ants. QpIW Of is m EgrW Nosing I ads Sm mmu fix allWanal Ygormma hdmmso. 200M Apply today for your no-hassle home equity solution. CALL TOLL FREE MON?IN SAM-SPM AND INT I1AM-1PM EST: OR VISIT: 1 eooaeo24a3 wow CAWAWNEHOMELOANS.oom RESERVATION NUMBER: 5097 021 002 5209 LENDER 8027442 Home Equity Loans I Mortgages I Refinancing Debt Consolidation gobs $09 1 07 It 070911 9Amar 2 K 2 ou"039 Q: !: there sm oblip tioo when I call? A: No. When you cd us, you are under no obligation whatsoever. Doing your phone tbnrdaatla4 a Personal Herne Lain ConsWgnt will simply help you ddemnine die loan amount and terms that best sot your needs.'tltm ill faltirfjy up to you! Q: Why not just we nay bent for a home toss? A: Capital One Home loans takes the hassles out of the Inn process. No only is the process quick and es sy, but it's perso mrlind. You won't hive to deal with lots of people. You'll have one dedicated taut consultant who will handle everything from start to finish. Q: What property types are eligible for a Capital One Haas Loan? A. We offer home loam for single- and muhi-fvnily homes, lowohouses and condos. At this time, we do not offer home lotus for cooperatives, manufactured homes and modular homes, mobile homes and commercial properties. Q: Can 1 borrow more than my home's value? A: We have a product that allows qualified appgrwns to borrow tip to 125% of daeir homer value. Q: How an 1 use my home equity Intl? A. Ilse it however you choose. Pay down higher interest raw credit card and tom baidam take home Improvements or stun a new business. Keep in mind that no matter how you use It, you may be able to 1lehnt the interval: W tax time. Just check with your tax adviser. Q: Does Capital Ow Home Loans require a minimum Ian amount? A. Yes, the minimum loan Amount is $20,000. W. What If 1 on self-employed or have missed a payment? A: Whether you have perfect credit, less-than-perfect credit or have hand-to-prove income, we will work closely with you to try to find a home I= solution duo best meets your needs. What information do I need to have ready when 1 all? Please have the following information svailable: • Your Reservation Number • The estimated value of your home • The balance of your first mortgage • The babuice of ally wwndnry mortgage loans • The amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1.800.7602493 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-I p.m. EST. Or visit www.capitalonehomeloans.com Rfservaion N%mber. 5097 021 002 5209 ? Appdy Gidsalted online, of call us toll free. If you're online, complete the easy and secure application, and a Personal Home Lan Consultant Nall call you bads right away) ? Gat a clukk dKWon Youl know H you've been approved in minutes, ? Trdc ban snafus 24-hoa access lets you track your ban status online. And our caisultants are available via phorw or emsil. ? Nand-claY delhi" AN your paperwork is prepared and delivered to your door vis next-day air or by email. WeW made it simple by highlighting the areas for your signature. f]ase ti 10 days to Nat hen sent to Vou or direct deposited, H?o u. Loans %9%:717" 104ay claim calculated flan race* of ooapleted application and all required suppordns documentation. 50-closing-cost option requires minimum ben amount of $50,000 and as not available with an products. Sample availability as of 7116/07: $80,000 20-yr. fixed-aw Iona equity loan at 9.46% APR Monthly payment for this example is $692.23. Additional tame and restrictions apply. L- am- equal os 125% of hutne i value updon not awilabir wid, Iowou est. Omar intended for qualified appllcants only Temu and andidoa may chute r any doe. Not all ban Prodau or terms arc available in all win A-W loan tsnns are sublm to qualifiotion for income, aedit and ptupcny. The must dosing times may vary bred upon the ore in which the peupeny is located. This u nm a commitment to nuke a luen or a eommitmn,t to dh intewst non, points and fees for a 1- CO 3007 G/rarf taw 5-Im /tar. 6Adaf Onr u a frdmth7 ntuamd--- aunt'. A// na60 ,sward 8027442 Home Equity Loans Mortgages I Refinancing I Debt Consolidation 6.53% APR' `° (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Loan, and most of your options will have a similar rate. But here are some of the ways that Capital Onee Home Loans takes out the hassle: e Customized loan amounts from $20,000 to $500,000 e Guaranteed FIXED payments a No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. calltoll free 1.800-780.2807 Or visit www capitalonehomeloans.com Mon.-hi. gam-Spm; Sat. 10am-lpm EST Reservation Number. 5107 051 012 1827 ' Adnail annual rue u effecd7e u of 811312007 and subicas to dnype st any time. APR is hand on prod cmd'n hi,my, $200.000 ban mhwu«? 90% combined I«n-m-tdue ndu and a food-,a¢ first-lint Munddy palvr« far this mnple is $1 A& Addinmrl rennc and renai u apph: era capital Ck. u an Pawl Housing L.W. S. harrow f« tmpanant iaf«m« ah. LENDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation bane Leans FINANCE Prevtow Balance Paymcots A Credits CHARGE Tnwacom New Balance Minimum Payment Due Date $1,579.48 - 5100.1]0 + 524.04 + 553.88 51,557.38 $57.38 (Nov. 05, 2007 rr. Sap. 12, 2007- Oct. 11, 2007 Page 1 of 1 KEW M7 AT "I n% Mnan Vim Platinum Account 4862.3626.7337.3364 Your Account Information TOTAL CREDIT LINE 51,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH 51,500.00 AVAILABLE CREDIT FOR CASH $0.00 Ftnana Charges alum see reverse rot imponni h7famr ti) Bahnee rats Periodic CorrempoodbirIFINANCI applied to rate APR CHARGE Purctaaa $1,567.84 0.05110%P 18.65% $24.04 Cash $0.00 0.05408V 19.74% $0100 ANNUAL PERCENTAGE RATE applied this period; 19.6 ® At Your Service 1.800.903-36.17 To call Customer Rdedow or m repon a let orsole cud Pavmerm. Credits a Adiustrmats 1 05 OCT CAPITAL ONE ONLINE ACH PA YMENT $100.00- Tilancom 2 IIOCf PAYMENT PROTECTION 1.888.527.6904 $14.89 3 I I OCT OVERLWT FEE OCT 11.2007 $39.00 Capital One Home Los= offers a varieq of no hmsla home lost products, irmhding fast mortgages, refinance and debt consolidation Iona, an well w borne equity Ions and lines of credit Our cons of experienced professionals understands that your situation is udga se year loo solution should be too. You'll have the onomcne alteration of the cone personal loan consultant here cab to claw. Visit www.capitJowhomeloua.com for mole information. Capita One is an Equal Housing Lander. ® Send payments W: Capita One Bank 0 P.O. Box 70884 C Charlotte. NC 29272-0884 A Send' Write o; Capihl One 7 P.O. Box 30285 O Salt Lake Cky, UT 84130-0285 Have a question about a charge on your statement? Plow refer to the Billing Rights Suramory on the back or yolr satemam or vi gpg, In 0000 000 1 07 11 071021 arse 1 ere 1 010110020 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW,CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 4862362673373364 11 1557350100000057396 1w I what's m par waSetY Now Balance Minimum Payment Due Date $1,557.38 557.38 Nov. 05, 2007 -------------- PLfAjEP?AO1fU#JTLEAST Amount Enclosed Cayatal 0- Sank D4309r 9.0, aoa 70894 Ckaalotte, VC 29272-0694 8027442827208114847[1 Account NumbeP1882-MG-7337.3364 Plasm print address or phone number changes below using blue or black Ink. Address #9020504003134004# 1611L ZD 110ssY 0888ICA D NZLLSS 38 aZgaLA4 sm UMMLU, 9A 17241-9759 71 172419759394 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of $400 per month' • I,- sreraOc .;rely payment daim hared on fist nbnthIs pymmt on ron•purdbte Iorm, extrusive of daring ones, that dwed between 04101/2006 and 113131131107. Actual lower payment nay vary. In arme carer, refinancing to pay toff mating debt may extend dre term of the debt, possibly resulting in hieter overall cotes. Offer iatmdd fa qualified applicants only. Term and conditions troy changr at any time. Not all loan ptoducu or term; are available in all states. Actual bar army are catbird to qualification far income, credit and property. The actual dudng times nay vssy bated upon the tare in which the property is located. Thu is not a connnin ten, to malt, a lsan or a cmnmionan or the interest m;, paints and fxt fit a loan. O M7 G,*itd On,.T-.A I.. G?iu1Oa u NlfrGmlly rrjudrrd rrtia• awrE. 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Tw oaWrwpdp dir dare. pw a"rea"/-N by year 'mad"an. AN' I y.1wempoda0ntabadp.d _ _ta rsrrwd tWOk."era d Cad" One ree and your tar pro my e/anrwY rawbnk10ty:eaN ? "C y *6 scant d O2000 CWNa Ores AN pw Pp. at W .rill - ar -wtar} w NIanyeta blraataw nr O yn.praily or a0t W1 color Nor sagatW& re,tes,{ " no oa In eNbe b h Oty Warrant, , M container h rinvagra dairy ..boor M an star 10 an dsly day.10. an" bWe ey M .p In ft nand W.1q rad.• re rnrod.r your rdh your rea.1 form erar0e. tnu"py beratd.ra year lreyo ayOrwlea0, AmNa anivii . Pee Ne b.a av."ae Iw. n.srW peMnrt bw, rs11.N-r lain and rq 11 rarad b Your r10wot V. w ra' as wm am w PmarMtartantry mp.r-your yw raw" In abbe the amens why am" Thmmwd atibnalarral r.artabderaraftrIc TrttaP A In * bdNgwril be d -your acmwtdw you trvs mswNd M .aaeaN W b be r..0. will O1OM0000. 1 •OO1PW we Minim K. pompd (1) you send the -OYr P t1"a Cenllet OdNr IOCJItOr' Or in iym-N rCeiYed : at 802!442 1. NMMMrMlsrbrae ohaM t e. Oar/ Pera.L 1b. a" haw •.ewww par paned d26 eqe arwaAmnm Huge-rrlr pneYr.a.t. craw O.bio aanat.ne, a.r tM"d asdn.ar W rest arrr dwsn 1 yea PeY yaw Ir1Y 1dw ochre', M .amrNrwslm M Nnpalall lleeaa Ire pry.arw In a law FDMD 6.289/6 AW today 60006' and DisARM your mortgage Refinance your adjustable rate mortgage with Capital One Home Loans, and escape the trap of rising payments. ¦ LowlC®AI111tsiarftat6.28%' ¦ l04odudlYleInterlst(check with your tax adviser) ¦ ConsaY/aM bigh-httatest fsbt ¦ GwrarlbN RILED payments Contact us belma your rah adjusts again. tlhur Personal Home Loan Consultant will handle everything. 1400-760-2493 Reservation Number. Mon-Fri a a.m.-8 p.m. and Sat 1o 0.01: 1 p.m. EST 5117 061 011 6302 Or apply online at 1NW W.ppitatOllehOtnelOaR5.001111 Capital One is an Equal Housing Lender. • Adwnied awl paam ere r dTadte a 409/10/2007 and s a drmgc:any tins APR I. heed tsaaasesas a and.aadr bworyc 8200.000 ken amount. 8091.mbued 6ereona6c one and ==w LENDER fisa-fim faredditiowl lonp Mwt paymtm for"esampk u $1,135. AdditiaW tamt and HOIPI! OANIST Sea Lewes mmnt ulfotmadon. FINANCE PMTWN Balance Payments a Credits CHARGE Thnsauiona New Balance Minimum Payment Due Date $1,557.36 D-$1,250.00 ?i 59.56 a =396.36 = $713.30 $21.00 D C 07, 2007 Oct. 12, 2007- Nov. 12, 2007 Pape 1 of 1 KM m AT tMV tat A MM Visa Plataurtr Account 4862.3626.7337.3364 Your Account Information TOTAL CREDIT LINE $1,500.00 $786.70 $1,500.00 $786.70 Apww;A? Finance Charges (Please ea reverse fo r important informs . ) Bslarrce rate Periodic Cmrppandntil applied to rate APR CHARGk? Purchases $584.81 0.05110tW 18.65% $9.561 Cash $0.00 0.0509W 19.74% $0.00 ANNUAL PERCENTAGE RATE applied this period: 18.65 ® At Your Serviee 1-800.903-3637 To all Customer Relation or to report a lost or stolen card: Pa meats. Credits A Adiustm nts 1 16OCT ELECTRONIC PAYMENT $Ia30.00- T==Wtiona 2 23 OCf PA DRWERIVEHICLE SERV 800.9324600 PA $36.00 3 24 OCT WAL-MART #2574 CARLISLE PA $49.38 4 03NOV CMGULAR•3528661000140800-331-0500TN $128.74 5 04 NOV SHEETZ 00002634 CARLISLE PA $38.01 6 IONOV LOWPS001710-CARUSLEPA $59.98 7 IINOV WAL-MART #2574 CARLISLE PA $77.06 8 12 NOV PAYMENT PROTECTION 1-888-527-6904 $6.99 CspiW One Home loan offerss variety of no hastle bme loam products, including Mt morrgepl, ralbance told debt ototolidetion bane, as well as home equity loans and lines of cndiL Our team of experienced professionals undereamde that your situation W unique so your Ian "we should be too. You71 have the one-on-on attention of ON 111011 persolll lots aadtmt 6m01 all to close. Visit www.espialaahomeloutaxom for more infomation. ® Samd M to. Capiai One is an F-1 Housing Leader. Capita One Bank C P.O. Box 70884 0 Chwl me, NC 28272-0884 A Sand wgtrmra to: Capita One 0 P.O. Box 30285 D Ssh Lake City, tJl' 94130-0285 ® Have a question about a charge on your statement? Plem refer to the Billing Riots Smeary on the back of your statement or vi Gas$ aua 1 07 11 071112 no 1 er a 0110060116 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4862362673373364 11 0713301250000021002 cag~0w, I what's in your water New Balanp Minimum Payment Due Date $21.00 Dec. $713.30 q??T 07, 2007 PLT0&AMJUN71'EAST Amount Enclosed capital one bank 043410 P.O. Nos 70804 Chourlotte, aC 28272-0894 802744 xiz72or/4647U Account Number4M-9626.7337-3364 Pease print address or phone number changes below using blue or black Ink. Address Home Phone Alternate Phone E-maq address 9111 #90317040031340050 a01ZL XD WUNB t Ja88ZOt1 0 =ZZAR 38 PIM Z1O DD IMWVZWA, IPA 17841-9788 13 1724197593840 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $400 per month,' I Lowa avaegt rrwnddy psywmt daim bassd an fuss nw.Ws parm t at nompwdtass Wam adudw: of dabg emA. dm dond berw i o9/o I /2006 and og/31/2007. Actual lower peyn- may vary. In wmc ctut% re<wuai g w pay o(f tx6ting debt may stead the tam of dw debt, possibly muldn` in htgtw mmil mna. Rate lock, vary by product sdead and arc obtainable after underwriting and approval of the loin Offer intended far quaiiW applionu only. Not all loan produces or o -n art available in Al tem. rm actual closing rimer may vary booed upon the state in which the property u bead. Learn abject to alit approval. Ilia does not repressnt an offer to ema into a ban agraman. Rua and tams abject to dmtge wkhout notice. O 10107 (: rpkd One S,,-^ A,. Gyfrd 0. u a filrnt0y n;unnd urvicr -k. Ad,.& mervd Home Equity Loans I Mortgages I Refinancing I Debt Consolidation V laaame • 1 • eVlw w twil to us will be credited to your amount IS of We budau da w i receive it, provide/ (1) you sad the. aanea andyyoouur e?eet a tlss eaekad tadttsooe ad (2?yar psyra"t is twe ved u our?*Cmsv * eenar D. slaw at Ieea Rw (3) buaitaee d ye for yowl dNi paY-Pa received by a at cry of - location or to td a of du day we receive &am Our bwitaM days are M?y duough Saturday, excluding Ialidari. papa chits, , wbm preparing your My-L 8027442 Problem: Adjustable Rate Mortgages (ARMS) will reset their rates in the coming years, causing higher, sometimes unaffordable, payments. Solution: Lock into a guaranteed fixed-rate Capital One Home Loan. Stebilln your mortgage with a FIXED rate starting at 6.42% APR.* To find out more, call toll free today: I.800.760.2493 Reservation number. 5117 031 001 5365 Home Loans- A CAPITAL ONE FIXED RATE HOME LOAN APR STARTING AT 6.42% ONE FIXED MONTHLY PAYMENT PERSONAL HOME LOAN CONSULTANT CALL TODAY TOLL FREE: I-800.760-2493 Dear JESSICA D MILLER, As a valued Capital One®customer, we'd like to help you gain the security of a fixed-rate mortgage. You're eligible to apply to re0nanoe with a low, FIXED APR starting at 6.42% ' Upon approval, youll.have peace of mind with a fixed monthly payment that wiN stay the some for the Ike of your ban. • Fixed APRs starting at 6.42% • Customized loan amounts from $20,000 to $500,000 • One fixed monthly payment • Lower your payments an average of over $400 every month" Applying Is quick and easy. Just call us toll-free at 1-600-760.2463, and a Personal Home Loan Consultant will help you explore your options. Or get started online at www.capitalonehomeloans.com, , Sincerely, It W. J. 1A 11111%? Pat W. Johnston, Director Capital One Home Loans Problem Adjustable Rate Mortgage monthly payment Solution Capital One Fixed Rate Home Loan A fixed rate means your moMMy payments stay Your monthly the same for the IHe of your loan. kddal ARM AN payment could go as high as: ? $7a7 of 5.00% 2i] EXAMR3P: ", on a 125.500 EXAM?l.E': eased on a St2S,500 30•yaar ARM Mortgage lean MGM ustabk based m a f125,500,1yar ad' table tp mortgage with a toa}I term of0 years. For the ft't?t 3 find wyual pecanggq rae (?pg? n MAIL for a f12 loan amamt m mamhlgpaywents o 67 .00. Assuumg a rate === to 10.00% fiord APlt*- _r_ )ear 3 for tLe rematmog f119,65b low amount results in egd mo>xhly ymua, fl 700. Example ;s fan 17hatrative purposes oily. Capid One Find-Rate Isfortgage Loan exampk monthly payment it $787 fpr a125 ppp lean award oa a !92% a a feed mopthlyppymedt fan 2=. lean ry on ur s ifx srnntroa Ll wme ases, tetmaaclttj ro?ppeay d may ioceease t atttouru pat to yo" cuimu sm a ion. itiowl terms and res4ictwm apply. • Advertised armual percentage me a efkcove as of 9 0/07 and to cheap at any time. APR is based on a good credit history, $125,500 lean amount, 80% combined loan-to-value ratio and a JO year fixed -me fusc•lien mortgage. Mon payment for this example n $787. Additional terms and restnctions apply. Leer raw oweddy psyws l Asia hand m Am a mhu p"m.l as mwpmehare kqu, ada m, a(ckmaq n,ma, dig d0 ad hwaem akaI/ M ad (W31/W7. Ao,d knmr Pima • w my In nee cue, nlmatly w pry aa,awn dcu mxp emod the wns d da &K pE W rcuddaa in WgW uxnll cue. C" W 014 N an"Hm" Under. lee re,eru for sdMftW b"nan kdwmsko. Call today toll free: 1.800.760.2493, or visit: capkalonehomeloons.com Mon-Fri Sam-8pm and Sat 10am-1 pm EST Reservation number: 5117 031 001 6395 8027442 Home Equity Loans I Mortgages Refinancing I Debt Consolidation LENDER 6054 504 1 07 11 072112 seam 2 er 2 01"0" Q: is tbere an oblipdoe when 1 all? A. No. When you all us, you are under no ob%adm whutaetet: Q I txuready have an ARM (adjustable rate mortgage). Why would 1 wart to refinance to a fixed rate? A. The best reason for refinaruchng to a fixed rate is security. If you have a variable-rue loan such as an ARM, your rate and monthly payment an go up at any tine. The security of Irving a fixed rate Thal says due same is priceless. Q: What property on are eligible for a Capita One Hume Ivan? A. We offer home bans for single- and multi-family homes, townhouses and condos. At this time, we do not offer home loam for cooperatives, manu[aauted and modular home, mwbfie boom and commercial properties. Q: Whit "a of financing does Capital One Home Loans offer? A: Capita One Hone Loans offers a variety of no-hassle home loan products, including first mortgages, refinance and debt consolidation loam, as well as home equity loans and lines of credit. Our teen of experienced professionab kmdersamds your situation is unique, so your loan solution should be too. Q: Does CapiW One Home Lams require a miaimmm loan amount? A: Yes, the midmum loan amount is $20,000. Q: Why rat lust use my bank for a home loam? A. Capital One tales the hassles out of the lending process. It's quick, easy and it's personalized. You'll bar" one-on-one attention from the sane personal Home Ivan Consultant start to finish. A direct line and email to your Ivan Consultant helps you monitor the progress of your ken and address any questions you may have along the way. Q: can 1 get a loan with a fixed molihly payment? A: Yes. capital One Home Loans offers loan options that provide a glrarvacod fixed monthly paymera and rate that wig no change for the life of the loan. Q: What if 1 am &W-employed or hae missed a payment? A: Capital One offers a full range of products. Whether you have perfect credit, lksalhan-perfect credit or have hard 4o-prove income, we will work closely with you to try to find a home loan solution that bat meets your needs. Q What information do 1 need to have ready when I Call? A: Mease have the futlowing Informadon available: • Your Rese vWon Number • The estimated value of your home • The balance of your first mortgage • The balance of any secondary morgage loans • The amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800-760-2493 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p,m. and Sat 10 a.m.-l p.m. EST. Or visit www capittalont homeloatns.com Re.erv.don Number: 3117 031 001 6393 CN "t V Apply Mar w Lown 0 Get started by calling us toll free, or visiting us online. It's fast. © ? You'll a quick decision It's lock, .a,y by p"= aek..d .tad arc ubwkublc ah. u.dn. w% and appm.A ofd. 1- Off., inrc.ded for gwlified qo-u only. Nor 11 I- p,odum o, um,a arc sellable in all an,es. ttrc .crud china dew may vary bred spa, ,hc .,.rc in whid,,h. pmp-y u 1-4. mama aubjew ,o .,cell, .ppr-J. "ia dos „o, rcp-,,, -ff., ,o Cane, inn,a ken agrern,nn. Ra,a a,nk um„ aubjm ,o can hge Ad-, -i.. O 2007 C,p.d 0•. Sr, . h,r. Gyiur o•r & a JtdrmOy maLr,v/urvin nu.4. AU nr6n ,n.rr d 'll know if you've been approved in minutes. s easy. Here's how ©al emailyou paperwork is delivery prepared and delivered to your door via next-day air or by • . Were made it simple by highlighting the areas for your signature. It works •, O ? Have your check sent to you or direct deposited. 8027 6.28% APR' (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Loan, and most of your options will have a similar rate. But here are some of the ways that Capital Onea Home Loans takes out the hassle: a Customized loan amounts from $20,000 to $500,000 a Guaranteed FIXED payments s No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything, CaN toll fr« I-M-780-2607 Or visit www.capitalonehomeloans.com Mon.-hi. Barn-Bpm; Sat. 10am-ipm EST Reservation Number: 5127 081 010 8320 Admdd annual rste is dFsri e as of 10/1 V2007 and subject ao die at my tkne. AMR u bm d on jpmd credit hisoM 8200,000 km amount. 80%aombuwd G Icon-u>wlm ertb and a Bsadraer B=r-lion !meter. MtrdJy peynwtw 6r alts wmple i fl,].14. Additional mnu and tsri,rions apply. ,gM"Ma ? eat *td One b an Equal Hewing Leader. Sa rmverte man u panant kdor amon. Home Equity Loans I Mortgages I Refinancing i Debt Consolidation Nou"a Loins FINANCE Previous Balsne Payments a: Credits CHARGE Transactions New Balance Minimum Payment Due Date 5713_30 - 5713.30 58.09 + $563.83 5571.92 S1T.00 Jan. 05, 2008 ?+. Nov. 13, 2007- Dec. 11, 2007 Page 1 of 1 awns w a LwT ran asaatT Visa Platinum Aocoml 4862.3626.7337-3364 Your Account Infomrtion E $ 1 500.00 CREDIT b28.08 CASH i 500 00 T FoR CASH X28.08 VW Finance Charges (Plane am rever rpo?rtadnt infometio se for iiusa "A Balance "" applied a Periodic C AP Purchases 5545.98 0.05110%P 18.65% $8.09 Cab $0.00 0.05409W 19.74% $0.00 ANNUAL PERCENTAGE RATE applied thin period: 18.65 ® At YourService 1.800.903-3631 To all Cum error Relation or to report a lost or stolen card Payments. Csadits R Adiuatments 1 05 DEC PAYMENT $713.30- Transaction 2 13 NOV SAYLOR'S MARKET NEWVILLE PA $41.00 3 14 NOV KENNEDY APPRAISALS 7179320645 PA $350.00 4 I8 NOV EMBARQ ONLINE PAYMENT CARLISLE PA $95.72 5 19 NOV KNISELYS PET alt FARM CENTE CARLISLE PA $71.51 6 11 DEC PAYMENT PROTECTION 1.888.327.6904 55.60 Capital One Hamm tacos offer a variety of on hassle hoe= law, gan"s, including Bna wmtpgea, refinance, and deb consolidation lams, aswell as Mane equity bur and Run of credit. Our tam of experienced professionals understands dot your situation is unique m your ban aludon should be we. You71 have the onoen-ons attention of tike am personal loan anudtat tom aB to elm. Visit www:eapitabsWtomelow.eom for more intonation. Capita One is an Equal Housing Lender. ® Sall PlYWARIS =: Capital One Bak C P.O. Box 70884 C Charlotte, NC 28272-08N A Saw, to: Capital Onc 0 P.O. Box 30285 c Sell Lake City, UT 84130-0285 ® Have a question about a emerge on your statement? Plan refer to the Billing Rights Summary on the back of your Statement or Gobi sea 1 07 11 071211 as see 1 OMMOH PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE one %",sin your w4ar Now Balance Minimum Payment Duo Data C$571.92 ?5p1g7E00APMAaUqN? Jan. 05, 2008 THIS TLEAST Amount Enclosed C-eital Ow bank 010057 P.O. ees 70984 Ckaxlotte, PC 28272-0884 8027441"06i0H" 4962362673373364 11 0571920713300017001 Account Numbo"23626-73373384 PbP print address or phone number changes below using blue or black ink. ress 890344040031340048 1011L ID IIaOfR JuNch D mzzau 30 g3ML111e BD XMMZLLa, 891 17241-8788 01724197593440 Please write your account nurnber on your check or money order made payable to Capital One Bank and mail with this coupon In the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of $371 per month.' Lower average monthly paynKnt claim had on fire months payment on non•punduse ban,, nduuve of dosing auu, due dozed baween PU01/07 and 09/30/07. Actual lower payment may vary . In some cuss, iefirwaing to pay off esissing debt may mend the cam of the debt, possibly resulting in higher overall cwu. Offer intended foe qualified app6onn only. Nor a0 loan prodeta in series are available in all issues. The usual timing times may vary baud upon the state in whk* the property u located. Loans wbins in neck approval. 7%is does rent represent an offer to ente into a ban agreement. Rata and tams subim in change widiou[ notim. O 1007 Gird Use Senwn luc, Ggird Urx a ,tl(iJrri!!y ngirMSd srrvia naw4. All ryba tons-d Home Equity Loans I Mortgages Refinancing Debt Consolidation ot0aN0es • t • twtoot 1 Na?ymo4 you mail to as will be edited es your accoraa as of the busiaaa da we receive it. provided (I) you wed the boBwn pottier of th . NNement aNl your ckwk in the me4twd raminaew ?rr? ? wed (? yosss paymagt to head d in env Proowsing omkr by) P•m. PT (12 rtom m Pkw a N laze Rve (3) business days to ptwW ddiwry. ynaeta received by us at any new rotation or in %Y o w Wool be Credited as of the dry we receive than Our bopnas ay. are Monday through Saturday, excluding hofdaya. staples. not Paw clips, tut. when preparing your Payment. 8027442 200246 JESSICA D MMLER Dote 38 PIPELINE RD 12565 NEWVILIZ, PA 17241.9759 Ube by February 19, 2008 68.7270/2560 40148 4C Q W Pay to Me order of V O I D S o V Q W in DoRort 'K Q i j RlMmon4 VA C Cardholder Memo Signature /12565/*256072701*7502673373364/ Soso ao6 1 07 11 091211 recce 2 or 3 a10M6066 Easy. Convenient. No Transaction Fee. You deserve hassle-free finandal tools. So to male It as easy as possible for you to access your accourd, we're pleased to offer you time no traraacdon-fee Purchase Chedts.• You an use them wherever personal dwks are accepted to: trepan got cash ...for your home Control consolidate bills Don't wait! Your Capital Orle* Purchase Checks Bet" tackle home projects should be used by February 10, 2008. Even better, these checks have the same rate you enjoy for purchases made with your card. So use them today. Just be sure the total of your checks, other transactions and tees doesn't exceed your credit line. See back of letter for important information about using these checks. JESSICA D MILLER 12566 38 PIPELINE RD Date 68.727012S60 NEWYILLE, PA 17241-9759 40148 Y Uae by February 19, 2008 V W V PoY ro the order o/y O 1 D 0 ? $ Q I Dollars Qc ?'a K '?O " o. FtB P * Rkhmond, VA Memo Cardholder Signature /125661*256072701*7502673373364/ 200246 JESSICA D MILLER 12567 38 PIPELINE RD Date 68.7270/2S60 NEWVILLE, PA 17241.9759 40148 Y Uw by February 19, 2006 V W Z v Poyrotheordrro/V 0 1 D S? W H 7 Q Z Dollars lk CL Rkhmond, VA Memo Grdholder Signature 8027442 /12567/*256072701*7502673373364/ R CR PUrChM Checks: (s) W11 be treated as purchases according to the terms and amendments of your Customer Agreement. (2) May not qualify for reward programs. (3) Am sublect to your cmdk avaNabilky an the day Capkel One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your avallable credit line. (q) May not be processed or may be processed at a higher default rate If your account is not current (i.e. restricted, past due or in collections) at the time a check Is processed. (5) Will be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used as a payment on any Capital One account (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account (g) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) Is(are) returned unpaid. All other terns and conditions for your account remain In full force and effect -0 210? Caokal One Servke; K. Capital One h a kder* rtpgmed urvke mark. M rgha reined. a$ ?a O-y oT m D Z r Cy mr aT a! a 0 m m$ 0 ?s w C M ? Ai 8027442 l_i?c_ Home Loans Works to your Best Interest Looking to refinance your current home loan? Capital One Home Loans offers a locked FIXED rate that's in your best interest. Apply Today For Your No-Hassle Home Loan Solution A FIXED-rate home loan from Capital One is the solution to high-rate debt. K-X.T? Loan Amounts: A Fixed Rate Starting At Fixed Monthly Payment: 520,0004500,000 6.28%APRa YES Hidden Fees: Tax-Deductible Interest: Personal Home Loan Consultant: NONE YES (consult your tax adviser) YES A FIXED Rate Home Loan from Capital One: > No-hassle application process A FIXED monthly payment > Tax-deductible interest (consult your tax adviser) Personal Home Loan Consultant from start to finish JESSICA D MILLER Because you are a valued customer, we want to help you refinance with a no-hassle Capital One" Home Loan. Upon approval, you'll have a locked-in FIXED rate. It's also a great way to consolidate your debt and reduce your interest payments. Our customers lower their payments an average of $371 a month' It's your equity, and it's your choice of how you want to use it Get a great FIXED rate with a loan amount from $20,000 to $500,000, customized to meet your needs. Capital One makes getting a home loan easy. Your Personal Home Loan Consultant will explain all of your options and take you through every step. So all us toll dell today at 1-800.780.2807 for your no-owipaon cossulatba. " Advadsd annual Pecema8a rata is Cftdve s of 10115/07 sad mb*t a Charlie nt any time. APRis based on a pod credit history, $200,000 Ian amount, 80% combined ban-io-value ratio and a 30•yar fixed-rate first-lion m mWgC Monthly payment for this example is $1,235. Additional temp and restrictions apply. t Lower average monthly payment claim based on first month's payment on non-purchase bans, exclusive of closing costs, that dosed between 04/01/07 and 09/30/07. Actual lower payment may vary. In some cases, refinancing to pay off existing debt may extend the term of the debt, possibly resulting in higher overall costs. Capital One is an Equal Housing Lender. See reverse for additional important information. Call today toll free: 1-800.760.2607 MON-FRI 8AM-8PM AND SAT 1DAM-1 PM EST or visit: capitalonehomeloans.com Reservation Number: 5127 031 001 4148 200397 $027442 Home Equity Loans I Mortgages I Refinancing I Debt Consolidation e 405 f saa 1 07 11 071211 eaa 3 or 3 010Maeaa Q: Is there as obligation when 1 tall? A. No. When you call us, you are under no obligation witasum. Q I cus'rm* hence as AWN (adlnatable rate mortgage). Why would I want to re inanee to a Axed rate? A: The best reason for re8ntaicing to a fixed rate is security if you have a variable- ate loan and as an ARM. your tale and mm* paymeru can go up at say rime. The security of hating a fixed rue then stays drc same is priceless. Q: What property types are eligible for a Capita One Home Lana? A. We offer home loans for single- and mull-family homes, townhouse and condos. At this time, we do not offer home loans for cooperatives, manufactured and modular hones, mobile homes and commercial properties. Q: Whin "a of Aaandng toes Capital One Home Lamas Offer? A. Capita One Home Loans offers at variety of no-hassle home loan products, inclu li g first mortgages, refinance and debt consolidation leans, as well as home equity loans and Nees of credit. Our coon of expeienced pi rofessionsis understands your situation is unique, so your loan solution should be too. Q: Does Capital One Home Lana require a minimum mm SAMMO A: Yes, the mrdmmum loan amount is $20,000. Q: Why not lust use my bmak for a home loan? A. Capital One takes dye hassles out of the lending process. It's quick easy aid its personalized. You'll have one-on-ane attention from the same Personal Home I= Consukant star to finish. A direct line and email to your Lose Cmiultant helps you monitor the progress of your loan and ad am questions you may have along the way. Q: Can I ffo a low with a fixed montlily psymient? A: Yes. Capita One Home Loans offers loan options then provide a guaranteed fixed monthly payment and rare that will not change for the life o (the loan. Q What If 1 am self-employed or have missed a payment? A. Capita One offers it full range of products. Whether you have perfect credit, less-than-perfect credit or have hard-to-prove income, we will work closely with you to try to find a home loan solution that best mean your needs. Q: What Information do 1 need to have ready when 1 call? A. Please have the following Information available: • Your Reservation Number • The estimated value of your hone • The balance of your first mortgage • fie balance of any secondary mottgtge luaus • The aaotnt of the loan and credit cad balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-900.160.2601 Our Personal Home Loan Consultants are available Mon-Fri 8 am.-8 p.m, and Sat 10 a.m.-I p.m. F.ST. Or visit www.capitalonchomcloans.com Renovation Number: 5121 031 001 4148 Here's how simple it is ... O Apply Get started by calling us toll free, or visit us online. H you're online, complete the easy and secure application, and a Personal Home Loan Consultant will call you back right awayl © ? Get a quick decision You'll know if you've been approved in minutes. 0 ? Next-day delivery All your paperwork is prepared and delivered to your door vu next-day air or by email. We've made it simple by highlighting the areas for your signature. Q ? Have your check sent to you or direct deposited. Ram lock? vary by product selected and am obwaabit afar underwriting and approval of the ban. Offer inumded for qualified applicant only. Not all ban product or terms arc availabic in all wtea. The auual dosing times may vary Ward upon the mte in which the property is Ionted. taw subject to credit approval. Thu does rot represent an offer to enter into a ban agreement. Rata and terms subject ui change without noticc. O 2107 (10441 One Smlra. her. Cgiad Oar it e/Fa4tilly ,qurr.rl rrrtHrr w.rr! All vir6o +nnwL ?w_O /lam Home ns• 8027 6.03% APR` (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One' Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free 1x00-7eo-2493 or visit www.capitalonehomeloans.com Mon.-Fri. Nam-Opm' sae. loam-I ism EST Reservation Number. 5018 051 010 5500 • Adverted Ann==42. ffccem a of 11/112007 and arbjw n dwV a any claw. APR h band on good actin history. 3200,000 Iom Mnemrt. 110%mmbin•d Q loatwvskrc afine-Soo TO. Mddy m.. (err dtir mmpk u S1303. Addiuad rc wd raui'dwu apPly Capital Chic is m Equal Homing L--let. See eerie for eiaul impaum infomution. - Home Equity Loans I Mortgages I Refinancing I Debt Consolidation ?^e Loam FINANCE Previous Balance Parrbtas & Credits CHARGE Tnnsacdona New Balance Minimum Payment Due Date F$571,92 - 517.00 572.81 + 1431,80 = 5999.33 529.00 Feb. 05, 2008 rk Dec. 12, 2007- Jan. 11, 2008 Page 1 of 1 MIAM No AT LW MS AMOUNT Payments. Credits a Adiusamtb I 03 JAN CAPITAL ONE ONLINE ACH PA AuthDate 03-J AN $17.00- Transactions 2 13 DEC HUFFMAN TRAILER SALES HARRISONBURG VA $200.00 3 03 JAN WM SUPERCENTER CARLISLE PA $90.76 4 03 JAN APPLEBEE S CAR07101116 CARLISLE PA $40.22 3 06 JAN PAYPAL •KCERRETA 402-933.7733 CA $52.60 6 09 JAN ILLUSIONS HAIR STUDIO NEWVILLE PA $38.43 7 11 JAN PAYMENT PROTECTION 1-888-$27-6904 $9.79 ANNUAL PERCENTAGE RATE apple! this period: 18.15 Capita One Hour lane olren a variety of a basic home kart Products, including flat rourtpges, refaaee and debt eoasolidada lent, a wall a have egtdty lam sod clans oforadk Our teas of experiatned Professionals ® At Your Service 14500.903.3637 undo sands dat yew siltation h Maker so yea Iona, aoNdoe AmM be too. You'll have the oneonoa attention of To cell Cmloner Relation ale reporta ket or slelen card: the man personal lam comulant fiom call to ekes. Visit www.eapitalamdenuekwacae for awe infarmtion. Capita One is a Equal Housing Leader. Via Platinum Account 4862.3626.7337.3364 Your Account Infonrattlon TOTAL CREDIT LINE 11 500.00 TOTAL AVAILABLE CREDIT s?00.87 CREDIT LINE FOR CASH 11 500.00 AVAILABLE CREDIT FOR CASH 11500.87 Fkmm C%um (Plan we reveres for hrg~ info ) Balance ran Penaft Conapaci applied a . A;rdi CHARD Purchases $818.22 0.049737W 18.13% $12.61 Cash SOAO 0.05271%% 19.24% $0.00 ® Sad payments to: Capital One Bak C P.O. Box 70824 ? Charlene, NC 28272-084 e Send inquiries to: Capital One L P.O. Box 30285 7 San Lake City, UT 4110.0283 Billing Rgdtts Summery an k of your statement or vi 6056 504 1 07 11 000111 Pall 1 At 3 ou"o00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE ® Have a question about a charge on your stater at7 Pleas meta to the Bil the bar 0 4662362673373364 11 0999330017000029002 Gapflfat o W I what's in yourwatat7' Account NumbeM882-MG-7337-3364 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. 1999.33 529.00 ?T Feb. 05, 2008 Address PL Aa'U/NTL.EAST T Home Phone Altemete Phone E-mok address a Amount Enclosed , 5800120400$1740025 WRIL to NOaesot JaaPZCJA O IQIdOt 36 P2PUMM RD Cayatml Oar aemk ?4036? NMVZLLe, RA 17241-2739 P.O. 11om 70834 ?17241975934L Ch"Iette, I9C 28272-0884 8 0 2 7"J?282 0884947E Please write your account number on your check or money order made payable to Capital One Bank and mall with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. our customers lower their payments an average of over $370 per month! t laver swage monthly paymwt shim bred on fine monthl payment on rmnpurdrae Was. Irdudre of dosing ears, that dosed between 04/01107 and 09130107. Actual lower payment may vary. In some cares, refinancing to pay off existing debt may esccnd the term of the debt, poribly rauki g in higher overall cons. LHfa imerrded for qualified applirarr only. Not all loan products or tans arc available in all sera. The actual dosing times may vary hoed upon the son in whidv the property is located. Loam abject to credit approval. W. does not mis asst an offer to enter into a loan agr=tatot. Rata and tams subject to charge without notice. O 3008 Caphd Oav Srrvira /r•. 6psd Ow u a f.*04 w9var d w-or ~l, All ou rorrrvd Horne Equity Loans I Mortgages I Refinancing I Debt Consolidation 1. 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T apart tbds but Cra Cad Plldra« r pDew eyou hw a reMan ww M a oeftf raw w abases ve have _ you _ ardb eeW idea b ? r MPobin n vMrMmwdookyou iad m "w N Wy ntlbpyaraeWNVnaredluaw pm POryaawdew rat To You Mrs e« Prraar achy what M PUdrea PAW vase man Cow ero Ef0.00 Wad er meTrleee wnr" b your hour oft or Tiaw valor too erect of yaw rrlat aww.(a w can r-Penes Dew to ft aaralrrra WV w nrelw you era aharMwnwN IN lM PropwY a eavkw, a PrarAea« w Deverad rayerdrr of rdloseyal„ wwrrllalonedPUrh-)Plawarwrw«rbar?o arelarl. YoY Ynr'aFaneere. re fllwr, iDwl oto.Ary b w«waa na-vda eaaaneoude qY YY. = am Mr Ord b aaMano-.*aN a0-0 or 0. wN Capital Ow suPFor inbnnelre phaTwooed": w acts .babaa%NNA WAkr4Aer. IMO«W vad, of Coto ona r M MW p CaT P NV 09Wl C40W One Der dw PSI b rwra scat Vw w 0111410011 • t . ono to r will be credited its your ao0ora r of for business doy we twelve it, pmvid (1) you deed the ltd theca in We euelowd lpttipenee emolooe sod your peyned to roaivad in our proc sin curter to g w elbw u hDel Bur (S) feudasss dd.ayypp for posW ddiwwryry. we espied by us at any ollla locown or in fOct day we receive "m Our busiew days we Mm&y tluoush Sahnrdav. esehudine holidays. 8027442 200246 JESSICA D MILLER pole 38 PIPELINE RD 12574 NEWVILLE, PA 17241-9759 Use by Much 21, 20118 68.7270/2560 40150 k V Pty to the order o/ V O I D $ Z V LQ w Ln Donors = V OW J 100mond VA t2. Memo /12574/*256072701*7502673373364/ Grdhol11 Signature wet sot 1 07 11 490111 tail 2 k 2 ou"064 Easy. Convenient. No Transaction Fee. You deserve hassledree financial tools. So to make It as any as possY3le for you to access your account, we're pleased to offer you these no-transacdon4ee Purdlese Cheda.• You can use them wherever personal chetdCS are accepted to: Pnpen at cash for your home Cantrol consolidate bills Don't Waft! Your Capital One' Purchase Checks Yet Yale/ tackle home projects should be used by March 21, 2008. Even better, these checks have the same rate you enjoy for purchases made vlith your card. So use them today. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. See back of letter for important information about using these checks. JESSICA D MILLER 12575 38 PIPELINE RD Dote 68.72701256c NEWVILLE, PA 172414759 40150 Y Use by Much 21, 2008 V W Z V PeyMMeordero/V O ' D $ Z Dalkrs Ge Z) Ore. a Rkhmond, VA Cardholder Memo Signature /12575/*25607270107502673373364/ I 200246 12576 JESSICA D MILLER Dolt 68.727o/256o 38 PIPELINE RD 10150 Y NEWVILLE, PA 17241-9759 Use by March 21, 2008 V W Z v Pby44th..,fV O I D So Q Doug One, a Rkhmond, VA Cardholder Memo Signature 802744- /12576/*25607270107502673373364/ ? W 8 5. pot 1 ¢sD H O 2 M_ wM M PUrd se Checks: (i) WU be treated as purchases according to the terms and amendments of your Customer Agreement. (z) May not qualify for reward programs. (3) M suaect to your cre t awflabNily on the day Capita One pnocaas your the k. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account Is not current (i.e. restricted, past due or in collections) at the time a check is processed. (S) NU be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used as o payment on any Capital One account (7) Cannot be used by authorized users. And authorized users cannot requesttransfers. (g) Qualify as usingyour account. (g) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain In full force and effect. -0 2007 CpAN One Service; Inc. Cpbl One a a Ndaary npiaaed xrvi a mat. AN rights rmrwd ag o• Qw of 2 = mg o? nnnnnnllllll? t ?a r? 8027442 ?98:000,?? Home Loans Lower Rate. Lower Payment. Lower Stress. Home Loan Offer for JESSICA D MILLER Loan Amount: FIXED Rate Starting At: FIXED Monthly Payment: :200,000• 8.03% APR* sI,2o3• Call today toll free: 1.800.760.2493 , or visit: capitalonshomelosns.com Mon-Fri Liam-Bpm and Sat I Oam-t pm EST Reservation Number: 5010 031 001 2043 Dear JESSICA D MILLER, With more than 2 million mortgages scheduled to reset in 2008, now is the time to refrmce. As our A CAPITAL ONE customer, you're specially selected to apply to refinance your mortgage to a faced-rate Capital Onee FIXED-RATE Home Loan with a rate as bdAS%APR.• HOME LOAN By switching to a fixed-rate loan, you may be able to reduce your payment. Plus, upon approval, you can lock in a low rate for as long as you own Vow home. No more sticker shock when your adjustable rate mortgage (ARM) adjusts-just the peace of mind of knowing your rate and monthly payment are locked in. A Capita) One FDMD-Bate Home Loan: • Fixed APRs starting at 0.03% • Customized loan amounts from $20,000 to $500,000 • One fixed monthly payment • Lower your payments an average of over $370 every month" Applying Is quick and easy. Just call 1-800.7!30-2493, and a Personal Home Loan will help you explore your refinancing options. Or get started online at www.capblonehomeloans.com. You may find you can get extra cash when you refinance to help consolidate bills, make home improvements, or pay down an auto loan. our no-has* loan process with no hidden fees is quid and easy. So, give us a call today, and let us help you refinance into a more comfortable mortgage APR STARTING AT 5.03% ONE FIXED MONTHLY PAYMENT PERSONAL HOME LOAN CONSULTANT ft8nCALL TODAY TOLL FREE: 1.800.760.2493 OR VISIT capitalonehomeloans.com Sincerely, _k wJV Fat W. Johnston, Director Capital One Home Loans Capital One Home Loans AdjusUble Rate Mortgage Capital One Fixed-Rate Home Loan A rate sdlunment With each ARM ? Low FIXED rate - =Y.. monthly Initial monthly s t0 nit ?r prymea Could A find rate meant your marthly payments stay the same for the life of your loan. ? FIXED month! Y paymenh are low. go as NO as: payments ? ? No hidden fees Call today toll free 1.6011.760.2493 , or visit capitalonshomeloans.com Mon-Fri gam-8pm and Sat 10am-1 pm EST Reservation number: 5015 031 001 2043 Advertised annual percentage rate is effective as of 11/ 12/07 and sub' to c? at any time. APR is based on a good credit history, $200,000 loan amount, 80% combined lout-to-vahle ratio and a 30-year fixed-rate first•lim mortgage. Meath yl peyment for this ..*Ile is $1,203. Upon approval, your Bart amount may vary based on your specific situation. In some cases, refinancing to pay off existing debt may increase the total amount paid when compared to your current situation. Additional terms and restrictions apply. UAW MW trmmbq Papaet Clean bra w Ara wA"% palu m to am-parckwe hose, exdWte old diml aim, the Muted Wow 0011W and tWW(PA7. A,anl late poi may dry. In come nut, rd4tamr8 to pay off evineg debt may eveW the wm of cite dek pottWy renii In higher ourall teas. CVW One 4 an rgwl Hmarg Lander See n arse W addkWW impenRra inkirmadve. 8027442 Home Equity Loans I Mortgages I Refinancing Debt Consolidation toss $09 1 07 11 01,0111 PAIR 3 a 3 OuNsoss Q: Is there s m obHllttlon when I call? A: No. When you call us, you are under no obligation whalsoeva.. Q 1 currently have an ABM (adpulnble rate mar 4W). Why would 1 want to reflimm a to a fixed rate? A. The bast reason for re9nandng to a fixed rate is security. If you have a varhble rate loan such as in ARM, your rue and monthly pq=1 can go up at any time. The security of having a fixed rate that stays the same Ls priceless. Q: What property "a are eligible for a Capita One Horne Loan? A. we offer home klatt for single- and mold-hn* homes, townhouse and condos. At this time, we do not enter how loam for cooperatives, manufactured and modular homes, mobile homes and commercial properties Q What types of fioacing does Capita One Hoax Lomas offer? A. Capital One Horne Loans offers a variety of no-hassle home loaf products, including first mortgages, refinance and debt consolidation kaans, as well as home equity loafs and Ones of credit. Our tam of experienced professionals understands your situation is unique, so your loan solution should be too. Q- Does Capita One Home Loans regdre a minimum loan srmu t? A. Yes, the minimum loan amount is $20,000. Q: why mot just use my bank for a home loan? A: Capita One takes the battles out of the lending process. Wt's quick and easy, and kl permnalized. You'll ban one-on-one attention from the sane Personal Home Loan Consultant slut to finish. A direct Inc and email to your loan Consultant helps you monitor the progress of your loan and address any questions you may have along the wry. Q: Can I get a loan with a fixed monthly payment? A. Yes, Capital One Home Loans offers lam options that provide a paraneed fixed molddy payment and rate dim will not flange for the Ifs of the loan. Q: What if I am self-employed or ban missed a payment? A: Capital One offers a full ?ands of products. whether you have perfect credit, less-than-perfect credit or have hard-to-prove Income, we will work closely with you to try to find a home loan solution that best meets your needs. Q: What Information do I need to have ready when I all? A: Please have the following information available • Your Reservation Number • The esdmaed value of your home • The balance of your first mortgage • The balance of any secondary motor lemma it The amour of the loan and credit cart balances you would Ukt: to consolidate For your no-obligation consultation, simply call us toll free: I.800.760-2493 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m -1 p.m. EST. Or visit www.capitalonchomeloans.com Reservation Number: $018 031 001 2043 C?pffilOrlC?\? O ? Apply Hoar Loam Get started by calling us toll free, or visiting us online. It's fast. Q ? Get a quick decision Here s how All your paperwork is prepared and delivered to your door via next-day air or by Otter ]mmnded for qualified ppli... only Not all loan produeu or tuttu an availalalc in A auto. The aria! dosing tirnu ?nay vary bared upon he sum in hich the property is lonmd. L- subiua to credit pproval. This dust not mpraent so, otter to aim into a loan Rua and writs aultint to dung, without notice. O 20M (shod Oar Srrvka A.. Gryis f Ow u a fid-ly wgkirn.d - in, -4 Alf et& -,.d know if you've been approved in minutes. ? 0You'll s easy. ? Next-day delivery email. We've made it simple by highlighting the areas for your signature. It works •.• Q ? Have your check sent to you or direct deposited. It'Rare loots vary by praiua adecred and arc obwinable after underwriring and aptur nd or the loan. 802 6.03% APR' 500085 (We printed this big because we know It matters to you.) APR Is obviously a very important factor when looking for a Fixed-Rate Home Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One' Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-eoo-760.2607 Or visit www.capitalonehomeloans.com Mon.-Fri. 8sm-Bpm; Sat. 10am-1pm EST Reservation Number: 5025 041 010 7096 Adaeniad annual urapprc rsre h elfat[iw a of 12n 112007 sad ar6jm ro chug x arty dmc. AI'R';:3 ead on prof rn Ik Naory, $200,000 lour anwunt. SU% combi..d • Icao-ro-dra riopaom:ud a 30•jor f nit Rm•lien Monthly puymcm For dis ciu pk its SI.. Addidaul umu end rmriaiom apply. Melanesian capita oft. u an Equal HouwK lads. $.c awe' for noJ imponsm in6umu m. Knew faaPW LENDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation FINANCE Pro vious Balance Payments a Credits CHARGE Transactions New Balance Minimum Payment Due Date F$9 59 99.33 ]-C:549.95::) + 517.99 + $596.24 51,563.61 563.61 CM:-:07,2008 Jon. 12, 2005 - Feb. 11, 2005 Popp 1 of 1 r 4 Via Platinum Account 862-3626-7337.3364 Your Account Information TOTAL CREDIT LINE $1,500.00 TOTAL AVASLABLE CREDIT $0.00 CREDIT LINE FOR CASH $1.500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Chargsa (Pleas tee mvesae 8x isponant ittmatm) Balance as Muck Conespastditt FPIANM applied b mm APR CHARCE Pinch. $1,167.2110.04973V 18.15% $17.99 Cash $0.00 0.05271W 19.24% $0.00 ANNUAL PERCENTAGE RATE applied this period: 18.15% ll= Al Your Servicel-800-903.3637 To all Customer Relatimu or to report a lot or stoker cud I. ROM Re At LA511HS WOW Payments. Credits a Adisatments 1 II JAN WAL-MART N2S74 SE2 CARLISLE PA 520.95- 2 04 FEB CAPITAL ONE ONLINE ACH PA AudiDam 04-F EB $29.00- Tran sactions 3 14 JAN MGM PHARMACY INC NEWVILLE PA $16.79 4 21 JAN ROSS STORES M89 CARLISLE PA $95.93 S 30 JAN SAYLORS NEW VIULLE PA $104.60 6 04 FEB WAL-MART 02574 CARLISLE PA $47.66 7 04 FEB KNISELYS PET A FARM CENTE CARLISLE PA $62.89 8 04 FEB NEWVILLB FEED a HARDWARE NEWVILLE PA $47.66 9 06 FEB GIANT FUEL N331 MECHANICSBURG PA $47.00 10 08 FEB FEDEX SHP 01/31108 ABN 618-610000017 TN $7.01 11 08 FEB FEDEX SHP 01131MI ABN 794-803754736 TN $12.00 12 09 FEB SHEE72 00002329 MT HOLLY SPRIG PA $55.01 13 10 FEB EBAY INC. 888.749.7229 CA $45.73 14 11 FEB PAYMENT PROTECTION 1.888.527-6904 $14.94 15 11 FEB OVERLIMIT FEE FEB 11, 2008 539.00 Send payments lo: Capital One Home Loam, offers a variety of no Malt home loan products, mckdint first mortgages, re0nune ® Capital One aenk '. P.O. Box 70884 ? Charlotte, NC 28272-009 debt Consolidation beer, a well a how equity Icae and lows of a tidil Our Nam of experienced professionals undaNaoda Mat your situation Is unique so your loan solution should be too. You'll have the A Send [equities to: one-co-one atNaion of the same paeonal loen Cwowltant from all to close. Visit Capital One C' P.O. Box 30295 C Sift Lake Ciry. LIT 94130-0286ww.c*alonchomdo m,.com for mom information Capital One is an Egenl Hoping Lander. ® Five a question about a chugs on your statement? Pkaa mfxw dw Bit Rues Samaq en the barkaf)er saw mm or vii PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOO ON TO W W W.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4862362673373364 II 1563610029000063610 cwftwVrlc' I what's in your walMT Account Number: 4862-3626.7377J364 New Balance Mhtkrrum Payment Due Due $1,563.61 563.61 Ma.07,2008 PLEASE PAYAT LEAST THIS AA/OEWT Amount Enclosed Capital One Bank r7. P.O. Box 70884 Charlotte, NC 28272-0884 027 w w:7'2720884847- 8027":2'272089"47- Pin" pnm address or horn number ensign below using ban or peek Ink. Pin" Home PMns Alternate Pbow E-mail addrea W N9004304003134007N MAIL ID NUMBER JESSICA D NILLER 38 PIPELINE RD NENILLE, PA 17241-9759 c172419759384- Please write your account number on your check or money order made payable to Capital One Bank and mail With this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $370 per month! I Inver average monthly payment claim board on fins months payment on non-pundue luow, caclwivt of cluing coaw. that closed bcrwan 04101/07 and 07!30107. Mud lower payment may wry. )a some mm refinancing a pay off caisdng debt may caramel the «mt of the debt, ponibly mulring in higher overall cont. Offer intended for qualified applionn early. Not all boa products or terms are available in all trate.7he actual dosing time may my band upon the war in which the properry is located I am abject to credit appmval.'Ihb doe not regnant an of6er to enter, into a Ian agrntnent. Raw and rermt subject to change without rmtim O 1008 Cgitol Oar Sminr. lnr. Gyiw! Orw it n fr4m8y regirtmd min nosh. A!! nj)Iw nrnnd. Home Equity Loans. I Mortgages I Refinancing I Debt Consolidation 001 010118066. 1.04110 W Iatantare N.NM IWW you aW nu Ma- 00 b yowarawe r a era 0unnsaa dry w rac." a. pesidaa 11) yeurn aw bottom of ft aalmme and You, soot bb wdnw'wYAW a•naaoa sereltltatoo, trrd Y malts N aw aroeaaaae amar, b/6Pm ET litnear PTE Nosannwl*MM%nlolNnatnaaysapaWda I '.Palewea manraOMuaary saws bentspN ant oat Ptasaam on0wmoalrmelsa.p6wtpa MW a, a ft w wdeonnp , mats. uPrc A traua a1a am nary aam9n aabday. adroNp toss.. a6wae low tatNnwrt 8027442 JESSICA D MILLER 38 PIPELINE RD NEWVILLE PA 17241978936 Pay to the order of Vero Date Use by April 20, 2008 70246 12583 68.7270/2560 40152 V W $ V W oa8ars T l /W Richmond, VA Memo /12585/•256072701-75026733733641 Ck: Il Cardholder Signature Easy. Convenient. No Transaction Fee. You deserve hassle-free financial tools. So to make It as easy as possible for you to access your account, we're pleased to offer you these no-transactim-fee Purchase Checks.` You can use them wherever personal checks are accepted to: Prepare yet cash ...for your home Control consolidate bills Don't Wait! Your Capital One' Purchase Checks fist 8911al tackle home projects should be used by Aa01 tD, 2004 Even better, these checks have the same rate you enjoy for purchases made with your card. So use them today. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. • See back of letter for important information about using these checks. JESSICA 0 MILLER 38 PIPELINE RD NEWVILLE PA 17241975936 Pay to the order of VOID OW Richmond, VA Memo /12586/•256072701.7502673373364/ 12566 Date 68.7270/2560 Use by April zo, zoos 40152 U W V $ to Q 2 Dollars a a Cardholder slgnature 20246 JESSICA D MILLER 38 PIPELINE RD 12387 NEWVILLE PA 17241975838 Date 68.727o/256o Use by April 20, 2008 40152 V W V Pay to the order of VOID 5? W H Q DoNars Ck OW Richmond, VA Memo Cardholder Signature 8027442 /12597/•256072701.7502673373364/ Purchase Checks: (i) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (z) May not qualify for reward programs. (3) An subject to your credit avaNablYly on the day Capital One pneesas yaw dteck. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (q) May not be processed or may be processed at a higher default rate If your account Is not current (i.e. restricted, past due or in collections) at the time a check Is processed. (s) WIN be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account is not current as stated. (6) Cannot be used as a payment an any Copimt One amount (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. (g) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) In the event the check(s) Is(are) returned unpaid. ?g Ny m o? r $a AM 2 = C T All other terms and conditions for your account remain in full force and effect. Z a M M M x a m C 1007 Capital One Services, Inc. Capital One n a hdwaYy ngatwed unite mark. All rght, rewad. 0 m m m S O O O a 'm Q a 3D 0 M A ?£x i t_S ? M z i ??5 Qr t ?a r em, M a o? o? y M 1 m N y 0 A r eA M O O S M x a m Z a °s M Z M M 8 8027442 Lock into a low FIXED rate and guaranteed FIXED monthly payments. EXAMPLE': Based on a Home Loan with a FIXED APR If you borrow $61,270 If you borrow $80,793 If you borrow $107,295 Your FIXED monthly Your FIXED monthly Your FIXED monthly payment will be $386 payment will be $508 payment will be $664 t llpm appraY, your loan was army m' bantd oa yoas speisk altua0m. ban* ante ty pgmeaa am based on a bcd wusl paompae tam, amaYy 6.47% APR br $61,370 ban amoum, 6.15% APR for ta0,793 ban atoant bad 63115 APR br $107,295 I= moue. fie moablr tabu Ito flsed naaddy pgmmt br 161rry ymx.b anma asa, re8rowd" to pay d exidas debt am iaanid dar tern d die deed, pan" snaking In hiBhiT oaaaa aitx and dicrainall the aml emaunt paid aben compared to your cumni slaardoa. Hone Loans- The Capital One Home Loan: Get a Locked FIXED Rate that Works to Your Best Interest JESSICA D MILLER You already know Capital Ones as a great credit card company. But did you know we also offer home loans? In fact, Capital One is one of the nation's top lenders. Apply for your Capital One home loan, and upon approval, use it for just about anything ... make home improvements. Consolidate high-interest debt. Cover educational expenses. Or if you currently have an adjustable rate mortgage, you can refinance to a low fixed rate. It's your equity, and it's your choice of how you use it. Get a great FIXED rate on a loan customized to best fit your needs-from $20,000 to $500,000. And it's easy. Your Personal Home Loan Consultant will explain everything and help you through every step. Call us toll free today at 1-800- 760.2607 for your no-obligation consultation. 200145 Apply Today For Your No-Hassle Home Loan L CAST YYAT3 Iv rucairiumiu, 01 Call toll free 1-800-760-2607 I visit capita lonehomeloans.eom Mon.-Fri. 8 a.m. to 8 p.m. and Sat. 10 a.m. to 1 p.m. EST Reservation Number: 5028 021 001 1274 8027442 Home Equity Loans I Mortgages I Refinancing Debt Consolidation • Advertised annual percentage rate is effective as of 12/11/07 and subject to cheap at any tine. APR is based on a pod credit hisairy, 6107,295 loan amount, 80% combined loan-to-value ratio and a 30-year fixed-rate first-lien mortgage. Monthly payment for this example is $664. Additional terms and restrictions apply. Capital One is an Equal Housing Lender. See reverse for additional important information. Q: Why not lust use my bank for a home loan! A. Capital one takes the hassles out of the leading process, it's quick and easy, and it's personalized. You'll have one-m-one attention from the same personal Home Loan Consultant clan to finish. A direct line and email to your Loan Consultant helps you monitor the progress of your ban and address any questions you may have along the way. Q: What property types are eligible for a Capital One Home Low? A: We offer home loans for single- and mulddamlly homes, townhouses and condos. At this time, we do no offer home loans for cooperatives, manufactured and modular homes, mobile homes and commercial properties. Q: What "a of financing does Capita One Home Loam offer'? A: Capital One Home Loans offers a variety of no-hassle home loan products, including first mortgages, refinance and debt consolidation loans, as well as home equity loans and lines of credit. Our leant of experienced professionals understands your situation Is unique, so your loan solution should be too. Q: Who if 1 on self-employed or ban missed a payment? A. Whether you have perfect credit, less-than-perfect credit or have hard-to-prove income, we will work closely with you to try to find a home loan solution that best meets your needs. Q- Can I get a loss with a fixed monthly payment? A: Yes. Capital One Home Loans offers lore options tint provide a guaranteed fixed monthly payment and rate that will no change for the life of the loan. Q: Does Capital One Home Loans require a minimum loan amount? A. Yes, the minimum loan amount is $20,000. Q- What latormation do I need to have ready when I call? A: Please have the following information available: • Your Reservation Number • The estimated value of your home • The balance of your first mortgage • The balance of any secondary mortgage loans • The amount of the loan and credit card balances you would like to consolWaw For your no-obligation consultation, simply call us toll free 1-800-760-2607 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-I p.m. EST. Or visit wwwcapitalonehomeloans.com Reservation Number: 50280210011274 Here`s how simple it is ... O ? Apply Get started by calling us toll free, or visiting us online. © ? Get a quick decision You'll know if you've been approved in minutes. © ? Next-day delivery All your paperwork is prepared and delivered to your door via next-day air or by email. We've made it simple by highlighting the areas for your signature. Home Loans Rate bdu wry by fmrlito selici d and are uLoah.We after ta.,k king std approval of the loan. Offer intended for tltwlised applicant. only. Not all two prwlucn or termo tie awilable in all states. T1w anal coring timn may wry based upon the sate in which taw propeny it fixated. Owno wbiea to credit apra-al. Thu than not reprewnt an over to mar into a loan agrament. Ran and terms subiect to change without notice. O 2009 (:rpml One Seraira, Inn Capital Our it a fede Al rrriswwd tenon, nark. All r& sunward. 802 Q: is there at oblipdos when I calif q. I currently Mn an MU (sillt"Ne rate mortpge). A. No. When you call us, you are under no obligation whalsmv. Why would I watt to refinance to a fixed rate? Dicing your phone conversaidw, a personal Home Loan A: The best reason for rellnwuing to a fixed rate is security. Consultant will simply help you dacmdne the ban amount and if you have a variable-rue ban such as an ARM, your rate terms that best suit your needs. Then it% entirely up 10 you! and monthly payment can go up at any dm0. The security of having a fixed rate duo stays the same Is priceless. • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. It Request a copy of your credit report from a credit reporting bureau regularly. 600017 FINANCE Pre vious Balance Payments & Credits CHARGE Transactions New Balance Minimum PWncm Due Date $1,563.61 - 51,000.00 +' 517.73 + 5133.47 5734.81 522.00 Apr. 05, 0 Fab. 12, 2008 -Mar. 11, 2008 Papa 1 of 1 •"1i' s mIAY m AT DAN INS A1nIMI Via Platlmum Account 4862.3626.7337-3364 Payments. Credits AAdiustments 1 28 FEB CAPITAL ONE ONLINE ACH PA AudiDase 27-F EB S 1,000.00- Yaw Account Information TOTAL CREDIT LINE $1,500.00 Transactions TOTAL AVAILABLE CREDIT $765.19 2 10 FEB ROSS STORES 0689 CARLISLE PA $26.34 CREDIT LINE FOR CASH $1,600.00 3 11 FEB PETSMART 00015214 CARLISLE PA $24.31 AVAILABLE CREDIT FOR CASH 5706.19 4 14 FEB AMOCO OIL 06142394 PLAMFlELD PA $57.00 5 11 MAR PAYMENT PROTECTION 1488.327.6904 $6,82 6 11 MAR OVERUMIT FEE FEB 16, 2008 $39,00 Finance Charles BrYnce our PerbdiC Cbnsponfig FNANLE Whether you're in the no" for a hoop equity loan or you're im a amd in rcfinancin8, Capital One will Md a applied b case APR CHARGE home Ian solution to 6t your needs. We oBer Snot rata no hidden face and ou will receive the one-on-one purchases $1,229.35 0.04973W 18.15% $17.73 , , y stlenuon of the som a pens al ban cetuulmm 5ttm all b aloes. Visit www.apitalonehomeloams cum for more Cub $0.00 0.0$2711W 19.24% $0.00 information. ANNUAL PERCENTAGE RATE applied this period: 18.15% ® At Your Service 14MO.903.3637 To all Customer Relations or to reports bet or stolon card ® Send payments b: Capital One Bk(USA) NA C P.O. Box 70894 0 Charlotte, NC 28272.0894 Send Inquiries b: Capital OncD P.O. Box 30285 0 Seth Lake City, UT 841304285 ® Have a question about a chug on your statement? Pkcase met b the Bass Ride Su mttrya dse beck ofyaa some orviskmilitailablignamAlsigia PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOO ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4862362673373364 II 0734811000000022007 ?'T'•+vr1t: I whn'r in pus rwlM)' Account Number: 4862.36267337.3364 New Balance Minimum Payment Due Date 5734.81 $22.00 Apr. OS, 2008 PLEASE PAYAT LEAST THIS AMOUNT Amount Enclos4d , Capital One Bk (USA),NA -4- P,O. Box 70884 Charlotte, NC 28272-0884 802744222720884947- P"" Pr" OMM a OW* names *)WVas below uskp Wet a brook ink. Address Home Phone Alternate Phone E-mail addrw la "0072040031310060 MAIL ID NUMBER JESSICA D HILLER 36 PIPELINE RD NERVILLE, PA 17241-9759 -172419759394- Please Write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. T TGO! o/OA11M - I.OWIWT YII wmmM ft. - pumaw owed maw b1wP adrw kwt ayWPM*"N. PPA"d(1))wa NwM MamPPiaPd ft so~ NW P. d.* h"& Kb wmrlPS P1YdOOPPW 1><I)ow PwImPA Y MOM 0 aw PwaMtYVsW p7PAti R(laI P4 PW &ftNsl a11M16)k*=: bMMaYwwy. PwPara naAwa aya d wv ORWloaaon wm +nP ar am mtY M W aMaA a d M ay wP roam r- Ow OaYM CM w MPMY PPwiPI alM.ar• PIOY16o kdm m M-a M 11N MOP 5. PWW tla, d0. d1a PwOPYV'/aw Pgww+. 8027442 0 OM M mly b amwnwm mW andoa ft DOMMQAybkOWWna aPOwxawAt ?ON am" Wowwa*. pMCY paMClon Maw =ON 3m cww 0. 2DD454 Lock into a low FIXED rate and guaranteed FIXED monthly payments. EXAMPLE': Based on a Home Loan with a FIXED APR If you borrow $61,270 If you borrow $80,793 If you borrow $107,295 Your FIXED monthly Your FIXED monthly Your FIXED monthly payment will be $377 payment will be $482 payment will be $W0 t upaa appaal. Yam loci amaTet ndy' eIY bred oa Nar spedle sOwda. f'+alPk manlWy' pgoeeY arc billed as s trd amY penaats$e re0. amaidy' 6.09%APR for fb1,2T1 ka amoum, S.gS% AN !m W,193 loan Imma sad SJess APR for $107,295 Ion wounl. The Rrod moadily payainas ue for ddmy yam ad regdre a pad Lw& bb" sad 'am coobiad krea-maalm tau, in same cam n4undag b pxy all aaYaR debt mry al ad The Icon of the deK p,mdbly rwilonR ix Maher meraR cuss and lacrasim Iha 114Y wnu l Paid wher, compord To your curma iii Home Loans Refinance with Capital One: Lock in a FIXED Rate that Works to Your Best Interest JESSICA D MILLER You already know Capital One° as a great credit card company. But did you know we also offer home loans? Apply for your Capital One home loan, and upon approval, use it for just about anything ... make home improvements, consolidate high-interest debt, cover educational expenses or have money on hand for unexpected expenses. Or if you currently have an adjustable rate mortgage, you can refinance to a low fixed rate. It's your equity, and it's your choice of how you use it. Get a great FIXED rate on a loan customized to best fit your needs-from $20,000 to 5500,000. And it's easy. Your Personal Home Loan Consultant will explain everything and help you through every step. Call us toll free today at 1.800-7W2493 for your no-obspuonconwwtion. YOUR HOME LOAN SUMMARY Example Loan: I Low FIXED Rate Starting At: I Example FIXED Monthly Payment: $200,000 5.53% APR * $1,139 ? Loan Amounts: Tax Deductible: Personal Home Loan Consultant: $20,0004500,000 YES Id,sd,,ith Y. i. a m.) YES • Advertised annual percentage rate is effective as of 01/23M and aubiva to disiW at any time. APR is band on a good eadit history, $200,111D0 ban amount, 80% combined loan-to-value ratio and a 30-year fixed-rate first-lien mortgage. Monthly payment for this example is $1,139. Additional terms and restrictions apply. Capital One is an Equal Housing Lender. See reverse for additional important information. 200454 Apply Today For Your No-Hassle Home Loan rAby Y1vAy5o rV RESPCPND Call toll free 1-800-7.2,93 visit eapitalonehomeloans.eom Mon.-Fri. 8 a.m. to 8 p.m. and Sat. 10 a.m. to 1 p.m. EST Reservation Number: 5038 021 015 9542 8027442 Home Equity Loans I Mortgages I Refinancing I Debt Consolidation LENDER Q: Is there an obligation when 1 call? A: No. When you call us, you are under no obllgaUon whosoever. During your phone conversation, a Personal Home Loan Consultant wig amply help you determine the ban smount and terns dust best suit your needs. Then it's entirely up to you! Q: Why not just use my bank for a home loan? A. Capital One takes the hassles out of the lending process. It's quick and easy, and it's personalized. You'll have one-on-one attention from the same Personal Hare Loan Consultant surf to finish. A direct line and email to your Loan Consultant helps you monitor the progress of your loan and address any questions you may have along the way. Q: What property types am eligible for a Capital One Home Leavy A: We offer home loans for angle- and multi-family homes, townhouses and condos. At this time, we do not offer home loans for cooperatives, manufactured and modular homes, mobile homes and commercial properties. Q: What "a offlnaodog does CWW One Home Law offer? A: Capital One Home Loans offers a variety of no-hassle home loan products, including first mortgages, refinance and debt consolidation loans, as well as home equity loans and tines of credit. Our team of experienced professionals understands your situation is unique, so your loan solution should be too. Q: I currently have an ARM (adjustable rate mortgage). Why would I want to re>leaare b a fixed rate? A: fie best team for te8tpnang to a geed rate is security. If you have a varialk-roe ban suds as an ARM, your rte and monthly payment can go up at any time. ne security of having a ?beat rate that stays the satin is pricelm. Q: What if 1 am self-employed or have missed a payment? A. Whether you have perfect credit, less-than-perfect credit or have bard-to-prove income, we will work closely with you to try to find a home loan solution that best meets your needs. Q: Can 1 get a least with a fixed monthly paynteut? A: Yes. Capital One Home Loans offers loan options that provide a guaranteed fixed monthly payment and roe that will not change for the life of the lam. Q: Does Capital one Home Loans require a minimum loan 21000110 A. Yes, the minimum loan amount is 7;20,000. Q: What information do 1 need to hoe ready when I call? A. Please have the following information available: a Your Reservation Number • The estimated value of your home • The balance of your first mortgage • The balance of any secondary mortgage loans • The amount of the loam and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800-760-2493 Our Personal Home Loan Consultants arc available Mon-Fri 8 am.-8 p.m. and Sat 10 a.m.-1 p.m. EST. Or visit www.capitalonehomeloans.com Reservation Number: 5038 021 015 9542 Here's how simple it is ... 0 ? Apply Get started by calling us toll free, or visiting us online. © ? Get a quick decision You'II know if you've been approved in minutes. ® ? Next-day delivery All your paperwork is prepared and delivered to your door via next-day air or by email. We've made it simple by highlighting the areas for your signature. XHome Loans Rau ludo vary by p,udwz rel tied and tae obu nkk after wderwrhiny and .1,1-1 of ilk loan. Over intaded for qualified appli ant. only. Not all loan ptuduna or terms an milable in all state. The actual thing times nay vary based upon the state in which the property is located. Irons subject to credit approval. This don not repeesmt an ofkt to mart into a loan agreement. Rata tad terms subject to change without notice. O ZOOM C:yird Ow Snum Gu. G/Ba! 0. h . fi&n4 rgltremd and. nark. 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Capital One" does credit cards-and then somel Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and to manage your account online. U yerr wMsf, FINANCE Pre vious Balance Payments A Credits CHARGE Tromehon New Balaave Minimum Payment Due Due C $734.81 - $50.00 + 515.69 + 5710.63 51,411.13 542.00 =M-Y.06,2008 mar. 12, am Apr. 11, 3000 Poe 1 of 1 ` Rim nn a idol twi A.10w Via Pbtinum Account 4862-36267337-3364 Your Aowum information TOTAL CREDIT LINE $1,500.00 TOTAL AVARABLE CREDIT $05.67 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $8867 Finance Charges (Pbass see mvaan fir ktganr4 ihbmodon) Bshrax ate PC Comseponding FRANCE applied so nn APR CHARGE Purchases 51,143.56 0.0442S9W 16.13% $15.69 Cash 50.00 0.047235W 17.24% $0.00 ANNUAL PERCENTAGE RATE applied this period: 16.1 S% Payments. Credits R Ad ius tut eau I 04 APR CAPITAL ONE ONLINE ACH PA AYthDate 03-A PR S50.00- Tran sactions 2 11 MAR GIANT FUEL 8331 MECHANICSBURG PA $54.00 3 16 MAR NEWVB.I.E FEED R HARDWARE NEWVILLE PA $52.93 4 11 MAR RAINBOW 8>06 CHAMBERSBURG PA $53.53 5 17 MAR PAYLESSSHOES0000017640 CHAMBERSBURG PA $22.99 6 21 MAR AMOCO OIL 06142394 PLAINFIELD PA 558.00 7 24 MAR RNISELYS PET A FARM CENTE CARLISLE PA 526.49 8 25 MAR ILLUSIONS HAIR STUDIO NE W V W.E PA 530.00 9 28 MAR TRACTOR-SUPPLY-00 80268 LEBANON PA $19.65 10 29 MAR WM SUPERCENTER CARLISLE PA $19.21 11 29 MAR GIANT FUEL 8331 MECHANICSBURG PA $60.01 12 29 MAR NEWVILLE FEED d HARDWARE NEWVILLE PA 5118.37 13 30 MAR WM SUPBRCEN7ER CARLISLE PA $151.42 14 11 APR PAYMENT PROTECTION 1.889-527.6904 $13.83 At Your Service 1.800.903.3637 To all Customer Relation or to report a lost or stolen cud Whether you're in the arrket fa a home equity Ian or youYe interested in roflnneirt, Capital On will find a Send payments to: home loco solution to fit your needs. We offer peat rata, no hidden fees, and you will reocive the ono-on-one ® Capital One Bk(USA),NA 3 P.O. Box 70894 "] Charlotte, NC 3/lO1i0881d+e wore penood Ian consultant from all b close. Visit www.apitalonehomeloaa.eom for more information. ® Sod Inquiries b: Capital OncE P.O. Box 30285 E: Salt Lake City, UT 94130-0285 ® Have a question about a cbarye on your statement? Pbaw m81rso do Bit Rohn Sumamyante back ofyer snnventerrw•t? PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOO ON TO W W W.CAF ITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4562362673373364 11 1411130050000042005 Capmeow I who's in your wNktt' Account Number: 4862.7626.7337.7364 Naw Batsaca MininMIn Payment Due Data $1,411.13 $42.00 Msy. 06, 2008 PLEASE PAYAT LEAST THIS AMOUNT Amount Enclosed Capital One BkiUSAI,NA •4127• P.O. Box 70884 Charlotte, NC 26272-0854 8027442 2720894947- Plisse intnt addressa prone nwbar dwtgss below usN der w Week kne. 890103040031340098 MAR. ID NUMBER JESSICA D MILLER 38 PIPELINE RD NEWVLLE, PA 17241-9759 -172419759364- Please Witte your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon In the enclosed envelope. w"- A quick glance at what Capital One can do for you. Car Loans Buy a new or used car or refinance the one you already have. You could save on interest. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Whether it's braces or laser eye surgery, we can bring medical costs into focus[ Visit capitalone,com to learn more! Capital One Bank (USA), N.A., Capital One, N.A., Members FDIC. W2 010kam-1-W OW 4awwd- 'alYllw01 Tou WAb P N a wWWbVwalaoWra1 h alOW NOWNn MK PaAMO(1) You WN OM Gown OrOMbOY WANW40 dK. a"M"-WOM- ?.*v-cad(2)woI .Yn *M N"OlC="ft MVK WaP.. ET (12 can OTl Pb-el w 81 (a) wwY OWa Yr PNO1M I P?YaW6 M*-w OY 0 Maur WW OMawnar In a11Y aa11f IOa11 aOra01 M x00100 r d M Oq' N nlpM aNO. oar pOYwa OWa r Mag01' pooopo aMNOYV oollOWa. Pla ftft, MlpN, PYn Oq.MO-N-O?KOw-Y-P-m . 8027442 JESSICA D MILLER 266472 38 PIPELINE RD NEWVILLE, PA 17241.9759 12605 Dote Use by June 20, 2008 68.7270/=5656 ,g Y Q W Poy to the order of VOID $ U W ul Dollars CC Q c1c Richmond, VA 4 cardholder Memo Signitwe /12605 /'256072701+7502673373364/ Easy. Convenient. No Transaction Fee. You deserve hassle-free financial tools. So to make it as easy as possible for you to access your account, we're pleased to offer you these wtronsaction-fee Purchase Checks.` You can use them wherever personal checks are accepted to: Prepre get cash Don't wait! Control consolidate bias Your Capital One• Purchase Checks should be used by Get Going tackle home projects June 20, 2008. So use them today. Even better, these checks have the same rate you enjoy for purchases made with your card. Just be sure the total of your checks, other transactions and fees doesn't exceed your credit line. • See back of letter for important information about using these checks. JESSICA D MILLER 38 PVELWE RD NEWVILLE, PA 17241.9759 to the order of VOID Richmond, VA Memo 12606 Dote 68.7270/25 Use by Jura; 20, 2008 40 u W V SDI Q Z Dollars Z a Cardholder Signature /12606 /0256072701'7502673373364/ JESSICA D MILLER 38 PIPELINE RD NEWVILLE, PA 17241.9759 Dare Use by hme 20, 2008 260472 12607 to Me order of VOID MW w Richmond, VA Memo 8027442 _ 68.7270/2560 40156 k Q W Z t? ? W $ H Z Dollars Q C Cardholder Signature /12607 /025607270107502673373364/ M8 'A O y TQ e F y? T 10 r A Putdwe Chedts: (i) Will be treated as purchases according to the terms and amendments of your Customer Agreement. (z) May not qualify for reward programs. (3) Are sublact to your credit awilabigly, on the day Capital one processes your dnck. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. (4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or In collections) at the time a check Is processed. (5) Nil be returned unpaid and you may be assessed a Returned Check Fee if the credit is unavailable or your account Is not current as stated. (6) Cannot be used as a payment on any Capital One account (7) Cannot be used by authorized users. And authorized users cannot request transfers. (8) Qualify as using your account. (g) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terns and conditions for your account remain In full force and effect. Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, charged-off, bankrupt, lost/stolen or closed; our fraud system prevents the offer fulfillment; your account is ovedimit; or a term ofyour account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. O 2009 Capital One Se m kX Capital one 8 a ledmady eWtemd se . mesh. AN dghr, reserved 0 ma y`y O it 4 O 9 N = A O g? y w m ? az A w 0 m ?n A S 0 a i? a yN T I7 ?g A s C• >E _a r? N a z 0 N 8027442 200474 Lock into a low FIXED rate and guaranteed FIXED monthly payments. EXAMPLE': Based on a Home Loan with a FIXED APR If you borrow $61,270 If you borrow $107,295 If you borrow $203,280 Your FIXED monthly Your FIXED monthly Your FIXED monthly payment will be $397 payment will be $673 payment will be $1•256 s Upon eppwovY, four hsm eeoer alley very bead oe lour toaNt aWs?lm• rsrple aaallr Flo tae bwd m • 8cd rotul Pdaetlye Ate, auead/ 6.7}%A?R (or f61.)70 bn reewet, 6.?,9x APR for $107J" btea euoue rd 6.2d%Nt In itu},uo br etww. tbu 1md morYy paymmm ere for odor f?.d mNUe. wod acdt nmwy,na Rox c•mnln,d kenio•adee rxlu. le aeee awns, redmadryf to pry uIf alsdol; dek miry ended die lmr d the debt, PdNy rawl8ry{ le blrha oraa8 comp mill Nrcr?dq{ the wul ermroal pWl Mbar compered to your cunee eleeda. Home Loans Refinance with Capital One: Lock in a FIXED Rate that Works to Your Best Interest JESSICA D MILLER You already know Capital One• as a great credit card company. But did you know we also offer home loans? Apply for your Capital One home loan, and upon approval, use it for just about anything ... make home improvements, consolidate high-interest debt, cover educational expenses or have money on hand for unexpected expenses. Or if you currently have an adjustable rate mortgage, you can refinance to a low fixed rate. It's your equity, and it's your choice of how you use it. Get a great FIXED rate on a loan customized to best fit your needs-from $20,000 to $500,000. And it's easy. Your Personal Home Loan Consultant will explain everything and help you through every step. Call us toll free today at 1-800-760-2607 for your no-obligation consultation. YOUR HOME LOAN SUMMARY Example Loan: Low FIXED Rate Starting At: Example FIXED Monthly Payment: $203,280' 6.28% APR' $1,256' Loan Amounts: Tax Deductible: Personal Home Loan Consultant: $20,0004500,000 YES (check viih r . kx ndri.1 YES Advertised annual percentage rate is effective as of 02/25/2008 and subiect to change at any time. APR is based on a good credit history, 1203,280 ban amount, 80% combined loan-to-value ratio and a 30-year fixed-rate first-lien mortgage. Monthly payment for this example is $1,256. Additional terms and restrictions apply. Capital One is an Equal Housing Lender See reverse for additional important mformatlon. Apply Today For Your No-Hassle Home Loan tow7e 2 EASY WAYS TO RESPOND Call toll free 1-800-760-2607 visit capita lonehomeloans.com Mon.-Fri. 8 a.m. to 8 p.m. and Sat. 10 a.m. to 1 p.m. EST Reservation Number: 5oas0110139914 of Home Equity Loans Mortgages Refinancing Debt Consolidation 21 8027442 I I I LENDER Q: Is there sm obliptloe wben I all? A: No. When you all us, you are under no obligation whalmever. During your phone conversation, a personal Home Loan Cottsuhant will simply help you determine the lotus amount and terms that best suit your steeds. Then It's entirely up to you! Q: Why not just use my bask for a home lass? A. Capital One takes the hassles out of the lending process, it's quick and easy; and it's personalized. You'll have one-w-one attention from the same Personal Home Loan Consultant start to finish. A direct line and email to your Gan Consultant helps you monitor the pmgm%% of your loan and address any questions you may have along the way. Q: What property types are eligible for a Capital One Home Low? A We offer home loans for single- and multidatnlly homes, townhouses and condos. At this flaw, we do not offer home loans for cooperatives, manufactured and modular homes, mobile homes and commercial properties. Q: Wirt types of 1Lt m ft does Capktl One Haas Lasts oft? A: Capital One Home Loans fifers a variety of no-hassle home loan products, including first mortgages, refinance and debt consolidation loans, as well as home equity loans and lines of credit. Our team of experienced professionals understands your situation is unique, so your loan solution should be too. it. I curready have an AIIM (adjtrWlk raft aartaage). Why would 1 want to ret>launcs to a fixed raft? A: The best reason for refinancing to a rated rate is aecu ty! If you have a variable-rare loan such as an ARM, your rue and monthly payment can go up at any time. The security of having a fixed rate that slays the am is priceless. Q: What if 1 am self employed or have missed a payment? A. Whether you have perfect credit, lewthan-perfect credit or have hard-lo-prove Income, we will work closely with you to try to find a home loan solution that best meets your needs. Q: Can I get a low with a fixed monthly payment? A: Yes. CapiWl One Home Lams offers loan options that provide a guaranteed fixed monthly payment and rue that will not change for the life of the loan. Q: Does Capital One Home Loans require a minimum low amount? A. Yes, the minimum loan amount is $20,000. Q: What information do I need to have ready when I all? A: please have the following information available: • Your Reservation Number • The estimates) value of your home • The balance of your first mortgage • The balance of any seco dary mortgage loans • The amount of the loan and credit card balances you would like to consolidate For your no-obligation consultation, simply call us toll free 1-800-760-2607 Our Personal Home Loan Consultants are available Mon-Fri 8 a.m.-8 p.m. and Sat 10 a.m.-I p.m. EST. Or visit www.capitalonthomeloans.com Reservation Number: sae 01 1013 9914 Here's how simple it is ... O ? Apply Get started by calling us toll free, or visiting us online. © ? Get a quick decision You'll know if you've been approved in minutes. © ? Next-day delivery All your paperwork is prepared and delivered to your door via neat-day air or by email. We've made it simple by highlighting the areas for your signature. Home Loans Rate"vary by product seamed and are obtainable army underwriting and approval of the ben. Offer intended fur qualified apptiaanu only, Nut an two product; or terms art amiable in all auto. The actual closing time may vary board upon the cum in which the P-r-r is located. nusns subjm to caedi, appnrvd. This doe not repecater an offer to enter into a Icon agreement. Rate and carrot subject to change without notice. ® 2" ("Pod ()-I -% a/nr, lure. (*Wl Owe la i fl&W6 r 1larwd - wsrk. All rig/. --d 802 6.28% APR* 500205 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Mortgage, and most of your options will have a similar rate. But here are some of the ways that Capital One• Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2493 Or visit www.capitalonehomeloans.com Mon.-Fri. gam-Spin; Sat. t0am-Ipm EST Reservation Number: $OSi 041 1391291 Advarnad uv,ual race a dfavive a or03f24/20DSd a subjm to d-V at any time. APR i band on good "cdit hinny. 8203280 kao an-t. 80%combined - Inso-t k. ado and a yea f=.w Ras-8m Mont* payaem la this caanpk is SI.2S6. Addkiwi tetrns and retriaiotu apply. CApiud floc u an Equal Houring lard". ti" nvcnr nor a3itimudl imptrtun inkmerion. LENDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation tress teas! FINANCE Pre viow Balance Payments A Credits HMG Due Data Transaction New Balatta Minimum Payment 51,411.13 - !42.00 + 519.34 + 513.74 a 51,402.21 542.00 Jun. w 2008 Apr. 12, 2004 - May. 12, 2008 Page 1 of 1 T ttuu an AT "I On ANO" Vim Plathanu Account 4862-36267337-3364 Your Account Information TOTAL REVOLVING CREDIT LINE $1,500.00 TOTAL AVAILABLE REVOLVING CREDIT $97.79 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $97.79 Financ a Cb erges ('Insane see avaae fir' tion) 9 lent no Patbdc CLoesponding applied b ale APR Pachaaa $1,409.67 0.04423V 16.15% Cub $0.00 0.047239W 17.24% ANNUAL PERCENTAGE RATE applied tltla period: Payments. Credits B Adjustments 1 0S MAY CAPITAL ONE ONLINE ACH PA AuthDan 05-M AY $42.00- Tranuctlons 2 12 MAY PAYMENT PROTECTION 1.888.527.6904 $11.74 Whether yoft in the market for a borne equity loan or youW iaramtd in refinancing, Capital One will find a bome ban aohuioo to III your mods. We otTa great rata, so hidden fens, and you will receive the one-onone attention of the same personal loan consultant from all to claw. Visit www.upitalonehandoana.wm for more Information. ® Al Your Savice 1.800.903.3637 To all Customer Relations or to report a lost or stolen cud ® Sad payments lo: Capital One Bk(USA),NA C P.O. Box 708M L? Charlotte, NC 28272.0884 Sad Inquiries to: Capital Oae17 P.O. Box 30285 ? Salt Lake City, UT 54130-0285 ® Have a question about a charge on your statement? Men min b do BifntS Rig16 Saenaryen On baakofyar a g q?g statement or VIA PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOO ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4862362673373364 11 1402210042000042007 ???/7EI vwur> in your waann' Account Number. 4862.3626.7337.3364 New &knot Minimum Payment Due Date $1,402.21 542A0 Jun.06,2008 PLEASE PAYAT LEAST 7WIS AMOLWT Amount Enclosed Capital One Bk(USA),HA •IISB- P.O. Box 70681 Charlotte, NC 28272-0884 8027442 82720884847- Pasta print adteaa a prtaa nuntbar eMnpea below wing bka a tAWk Ink. How phone Ahemate Phone E-mail address cD #901 3404003 1 3400" MAIL ID NUMBER JESSICA D MILLER 38 PIPELINE RD NEHVILLE, PA 11241-9759 •172419759384• Please write your account number on your &ack or money order made payable to Capital One Bk(USA),NA and mail with this coupon In the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $140 per month! + lower averagt monthly payment claim based on fiat month's payment an non•purclu a oam, exclusive of closing mass, that closed between 07101107 and 12/31/107. Mull lower payment may vuy.'lisking out a home equity ban or line of credit may increase the tad smount pid whencompsad to your cruwnt situation. In tome rasa. refinancing to pay off existing debt may extend the term of the debt, possibly resulting in hiewr overall mats and immuring the total amount paid when compared to your oaaent situation. Offer intended far qualified applicants only. Not all ban products or terms arc milable in a0 stater. The mural dosing times may vary baud upon the stow in which the pralserty is located. lures subject to credit approval.11i. don vast represent an offer to enter into a ban agreement. Ran and temp subject to change without notice. /1oJurn car/ urvinr o,/?ml dy Capital 0nr Heger /gnu. l l C O 1008 Cipisd Oar. Cyinl Onr it a /fJrn4y njirum! urvirr xnrf. All rsho -und.. Home Equity loans j Mortgages I Refinancing I Debt Consolidation 002 11 aqutaaesaasrsnrres sou mabrwiwaasaaa bywaaoaseraMOuasasaa easy wasreswea. Moi ae saxlM oabrn aes awtwsarts Max attaaYMarrlesaa raaaYrioa anvalsasarid Itltw payraraY aaslnse Y M raw Prasnsai nrv bas sun ETT(12 1171 naenRl nar.arrva YM Mtq taaataaa eaMwttaaYt aaswy. hMres aowN yw taro eaxlrtamaen OrY are crtrisrn awe m M aaiaa. seta bow rsnaxa Mtn. tsv taaaatnssa can am asansar exorspn ttaOaesY. rxettextp txsasss. Messm rtes w aYplse, oaose dba, rata act ttnaarata Mw aaMnna 8027442 JESSICA D MILLER 38 PIPELINE RD NEWVILLE, PA 17241.9739 Pay to the Order Of JESSICA D MILLER Date Use by July 31, 2008 200494 12739 68.7270/2560 40603-01 SD Dollars Richmond, VA Memo Purchase Check /12759/'256072701075026733733641 Slgnature just write a Capital One" Doer JESSICA DMILLE& k! h h You have things to do. And now you have an easy, convenient financial tool to help Purc ec ase C you get them done-Capital One Purchase Checks.* Better yet, they give you access to your existing Capital one account and come with the same rate you pay for One simple solution for the Purchases made with your credit card. Plus, there's no transaction feel things you want to do... Writeomtoday. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. © Use them dlecks with coafidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Saw tlme and money. Buy a gift for that Use your Purchase Checks to transfer higher-Interest-rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less Interest, Treat yourself You've got things to do...get them done with these Purchase Checksl to a night out Thank you for your time, II bill lid C --N onso ate your s P. Taylor Jamison ?EM Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by July 31, 2M. Want to transfer a balance now? Call 1.800-955-7070 orgo online to htms://tronsterbafances.caja t lone.com/o/hrs. *Please see the reverse for Important information about using these checks. 40603 200494 JESSICA D MW.ER 12760 38 PIPELINE RD NEWVIL.LE, PA 17241.9759 pate 68.7270/2S60 Use by July 31, 2008 40603-0I Pay to the order of $ Dollars PurcMse Cheri Richmond, VA Memo Signature 8027442 /12760/•256072701*7502673373364/ 8 qm? T ~ 0 T 9 r C to y ?C T Z Got questions? Q: Is there a transaction fee for using the enclosed checks? A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Capital One account. Q: What APR will apply when i use these checks? A: You will receive the same APR you currently enjoy on purchases made with your credit card. It's really pretty straightforward. Q. What Is the difference between my "credit line" and my "available credit"? A. The credit line is the maximum amount Capital One will We've got answers allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. Q: What can I use these checks for? A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out or just want to have cash on hand. Another way to use your checks is to consolidate debt from other credit cards and loans (except Capital One accounts). Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. You can even use them at places that don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, ovedimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported losthtolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: t) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May not quali- fy for reward programs 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. O 2008 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. m g m ?3 Xi O r1? ? r e O o * 3? 1Ut£( ? 2 2 ? A C r o?O i ? y E 8027$42 6.15% APR* 500205 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Mortgage. And here are some of the ways that Capital One° Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • Personalized Loan Consultant from start to finish No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free:'-800-760-2607 or visit www.capitalonehomeloans.com Mon.-Fri. Sam-8pm; Sat. loam-lpm EST Reservation Number: 5068 041 164 6281 vAd*nwd aronal pcnantu??ee nu: i cffcwive a of 04/M2089 aid nnbiect m dwg ar any dm APR k based m good nadir himary. 5203.280 ban -unt. 80% amnNwd kin-to-vskta d. acct a loan, I=. fins-lien rrw?t?a? Monthly Payment 'few ddc eumple is S1.238. Additional remu ud reurictiau apply. ('apical Onc i an Egnal Houxing laid.. tin mvctae r« addidarl imperum, inrmtrtwn. LEN Home Equity Loans I Mortgages I Refinancing I Debt Consolidation N•me leant FINANCE Pte vious Babinec Payments k Credits Transactions New Balance Minimum Payment Due Date 51,402.21 - 542.00 J +$18.60 +\ $13.65 J•CS1,392?46 ?? 541.00 Ju1,07,2008 j May. 1 S, 2008 - Jun. it, 30M Pape 1 of 1 ?t must as AT uASr 1MS MVWn Visa Platinum Account 4862-3626.7337-3364 Your Account inform atim TOTAL REVOLVING CREDIT LINE $1,500.00 TOTAL AVAILABLE REVOLVING CREDIT $107.64 CREDIT LINE FOR CASH $1,500.00 AVARMLE CREDIT FOR CASH 5107.54 Finance Charges (Pla•ae see mane lr irpomnt kt6 medua) Balance rase Fee Counpaditl FINANCE applied a me APR CHARGE Purchases $1,401.42 0.04425V 16.13% $18. Cash $0.00 0.047239P 17.21% 11 ANNUAL PERCENTAGE RATE applied this period: 16.15% jiM At Your Servical-800403-3637 To all Cusww Relatiom or o report i lm or stolen oud Payments Credits AAdiustments I 05 JUN CAPITAL ONE ONLINE ACH PA AYthDae 05.) UN S42.00- Transactieaa 2 I I JIIN PAYMENT PROTECTION 1-888-527-6904 $13.65 Whether you're in tee market for a bow equity loan or youW imerested in relleneinS, Capita One will find a harm loan solution to fit your seeds. We offer rat rates, to hidden San, and you will receive the one-ennead attention of die same pueowl bat consultant amen call to close. Visit www.capitslondtomelmna.com for more infometion. ® Sad Wympw o: Capita One WA(USA),NA 0 P.O. Box 70684 L' Charlotte, NC 28272-0894 A Sendlnqu** o: Capita One" P.O. Box 30285 " Salt lake City, UT 84130-0285 ® Have a question about a charge on year statement? Pbaw mlbr a tie Bing ROe Swm uy m dw tad ofyw staamd or Vitt ydtllkCa i, PMi PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOO ON TO W W W.CAPITALONE.COM TO MACE YOUR PAYMENT ONLINE. 0 4862362673373364 II 1392460042000041001 colp w I wham n par waIMT' Account Numtber: 4562.7626.7317-3361 New Balance Minimum Payment Due Date $1,392.46 Jul. 07, 2008 541.00 PLEASE PAYAT LEAST TMIS AMOUNT Amomt Enclosed capital one Bk (USA),NA .4189• P.O. Box 70684 Charlotte, NC 28272-0884 8027"f 82720884547- Pease t» address or Whore number changes beew rang Mutt or block Ink. Address Hone Plane Allotments: Phone E-mail address A 090164040031340018 MAIL ID NUMBER JESSICA D MILLER 38 PIPELINE RD NE.11.LLE, PA 17241-9759 •172419759384• Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the encased envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $175 per month' IF !ewer average monthly payinea lain hard on fins m anrh'i payma+r on non-purchme bona, caclriw of dosing con. dun dosed between 1010112007 and 03/3112008. Actual lower pay o m may vary. Relmodrig IS pay off nieing debt may rated the term of the debt, possibly resulting in higher overall costs and increasing the total amount paid when compared in, your Current aimatbn. Offer intended for qualified applirana only. Nor A lose pmducts or terma art w ilable in all auto The anual closing rims may vary bard upon the state in which the property u located. loons whim to credit approval. This don not reprsent an olkr to enter into a ban agmemem. Rain and terms subject to change without notice. 7ha/erh wd-mi opmf by Cyirl Orate Herne Liam. LLC C 1008 Qpirl One. Ci?iul Ono u alir/ma!!j vginm/ rmwY aver. AN rWirt arrrurd. Nome Equity Loans I Mortgages I Refinancing I Debt Consolidation 112 1. Near be /red of rnrdwgrelwP ?wwwr babw, end am Sato br thia 4.1s. Then Is No port Not TNhiS s b.laaeater mar et yea, mdse elaftwwemilb h«+apardb to ao r terdr 0 r.ea.drwaawea a Ilwer Ibare a" d. To" wry 1. A- i. Aenew arraea.ae. hear Was . a llr aw•Amwl l4tewaa0s Rab• nay Wear WAPA' mYwhandeaaslalantWa o Y Ye aea1(Oawtwly Prime, L (GMW" LWft C IOurab 00i a a 0lvard Mw) Ore an"hM of ar rwO" has the ar PMM raw& eat wrda awn We aanaa0mae - ANNUAL PEwCWAOE RATES witrosyw w4war withares Woo err o iw shad hdoaa. r Was hllr Woo WAO ihM Aaarw4 Per w mere WaaWab d$drr a pa That ? Awrotrad laaa.IhtlerM 'vent Ord/dadew Pet, 0rtlon bywweronetWYti arrbWbrr env urg% a NoWwn YrawwrarwsraewM. LW we be byar. 0. wsaeter"Praddiantra YearAarwlL We mat Chrsw. 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WNW w we w aaryw Wyaw WAMWN . we w01a t? seta r drnaaard or w try salon W b aoaneel. a ew mans rota eueararr r. See" dew ter Credal Cad Ptaawr e yea ear. s PreblWn set ale swab d oroOary a omose eat seta wrataead wheanM M r seta non tow h load telab aanep ea PrablSn tarty w mwawa you wit Mara eat dad b b pit w wrwq mead dos o de araParb W ewMw You hr tea Itdrean arty who w Purse. anon eat alw ar nweahpn w wnet haw tra Or ct W" 100 WAN d yaw -0" NOW. (11 we ton a awaea ee nwweK a Y w nelr yea ew rhvarwa a eo IwOWbor over, r pudrr wtN er aaer earnnle0aela Pnalir•)antra a W rwrwWbalanrmnyederwa. oOer not lydy b twat rrurb Cpea ON.am%rdoetaYO pt-, protection: w aw wired ewraliiroeama Cyr tt•arty Wto a01wr reerk or C.PkW Orr O Dos FNraa C erPOraron N dglinea re.arra0. C 2= 1001 Ca" ON %%No aMaedepwwwa sea matbrrMawnbYaraosarraYrWwhraywnovar,Paawr It)youarw NOW. /abndYb etalanM Wtl Your Wwr h ter wrrwa raaelWw wwaya aN (i) YSaPaMnwe h reran h aurpreeaaWr oweW ryilta WryooM see, ee, re witnotot lathMaYWerat4rdabarwr awlaleurwa aOr ds hynWea l Si Metwary.daarskraa . arYOaN eweayw Pop" Ywaa Our Owwrereataisem ltotnaal' erewteh lalaap. llwaea rot w arPlr. Pe0n tee. dot wlrn PreaWee Yew pryawra. 8027442 an s yaw eanw. . r 01111s4 ern a ro area. PWbd on any aareeewt Y tea do w Pry M ml 1w sacra' Annnw01r Rrnr Clam. TwaWotr war r rat JESSICA D MILLER 38 PIPELINE RD NEWV[ LE, PA 17241-9759 Rey to tyre order of JESSICA D MILLER Dollars 200494 Date 12761 Use by August 31, 2006 68.727o/256o 40603-01 Richmond, VA Memo Rerchose check s1rature /12761/'256072701'7502673373364/ just write a Capital One" Dw JESSICA D MILLER, k! h Ch P You have things to do. And now you have an easy, convenient financial tool to help urc ase ec • you get them done-Capital One Purchase Checks.- Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the Purchases made with your credit card. Plus, there's no transaction Fee! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. © Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Saw time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest-rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself You've got things to do...get them done with these Purchase Checks! to a night out Thank you for your time, I ? Consolidate your bills CN ? K ? P. Taylor Jamison Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by A" 31, 2008. Want to transfer a balance now? Calf 1-000-955.7070 or go online to hltos://t?alas(erbofanas.wpltalone.com/oJjers. 'Please see the reverse for Important Information about using these checks. 40603 260694 JESSICA D MILLER 38 PIPELINE RD 12762 Date 68-7270/2560 NEWVILLE, PA 17241.9759 Use by August 31.2008 40603-01 Pay to the order of S Dollars J4rclase Check Rkhmond, VA Memo sivature 8027442 /12762/•256072701*7502673373364/ 0 ?qa ? OT n z y O N a Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out or just Q: What APR will apply when 1 use these checks7 want to have cash on hand. Another way to use your A: You will receive the some APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: Where am these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. if so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported IosUstolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other temp and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May not quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and tees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. O 2008 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. ? g rri O? s o ?e zz w ? C r zyti Z H 8027442 1 1 6.02% APR* 500205 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Mortgage. And here are some of the ways that Capital One° Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • Personalized Loan Consultant from start to finish No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. can toil free: 1-800-760-2493 or visit www.capitalonehomeloans.com Mon.-Fri. Sam-Bpm, Sat. I0am-1 pm EST 30790411895312 Reservation Number: Advertent annual penxnngc i c1lbod r ar of 1)5/19/2008 and asbjea wchange at any time. APR u band on good cradit hiaory. f?t10.496 hen amount. 80%wmbined • lowie-urban eater ad a 3111nts r fied•etc 6m-lim Monthly payment For ddr co aple Is $1 805. Additional emu and rearicrion apply. jam aaaesa Capital One is w Equal Hmaing Lack. see revere foe adJa'imd im orum information. Home Loans I Mortgages I Refinancing I Debt Consolidation ?ometanr LENDER FINANCE Pre vieus Balance Payments d Credits Transactions New Balance Minimum Payment Des Dale C $1,392.46 - 541.00 + 518.22 + 513.55 51,383.23 541.00 AuB. O5, 2008 I Jun. 11,1008 - Jul. 11, 2M Papa 1 of 1 rNr PAW aw at uiar Has awun Vias Platinum Account 4862-3626.7337-3364 Your Account Information TOTAL REVOLVING CREDIT LINE $1,500.00 TOTAL AVAILABLE REVOLVING CREDIT $116.77 CREDIT LINE FOR CASH $1,500.00 AVARJ18l.E CREDIT FOR CASH 1116.77 Finance Charges 0%ue sac reverse lirinI, eemB6en) lbb=sste Peacdic Oxmpadhg FINANCE appfedID we APR CHARGE Purchases 51.394.45 0.043565W 15.90% $18.22 Cash 80.00 0.04655110' 16.99% $0.00 ANNUAL PERCENTAGE RATE applied this period: 15.90% Payments Credits R Adiustmenls 1 07 JUL CAPITAL ONE ONLINE ACH PA AuthDsse 074 UL $41.0D- Tranaactbes 2 II lUL PAYMENT PROTECTION 1-888-527-6904 $13.55 Whether you're in the market for a hone equity loan or you're inarroYed in refinancing, Capital One will find a home ban solution to fit your them. We offer grant estea, an hidden (en, sed you will receive the one-anion anciation of the same personal low consuham from all to close. Visit www.capitalondromebans.cem for more infomation. At Your Service 1.900.903.3637 To call Conniver Relations or to report a less or stolen sod 0 Send payments to: Capita One WUSA).NA ? P.O. Boa 70884 ? Charlene, NC 29272.0914 A Send Inquiries to: Capital OneE, P.O. Box 30285 C Soft Lake City, UT 84130-0295 ® law a question about a charge on you statement? Please ever b Ow Basis Righo Sumery, m to back ofyeta statermm or viii gffiff&UjjbWLggmWapaa PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOO ON TO W W W.CAPRKONE.COM TO MACE YOUR PAYMENT ONLINE. 0 486236267337336411 1383230041000041000 CA~QfIC' I n4uYa is your wseetl' Aaowl Number: 4862.3626.7337.7364 New Balance Minimum Perment Due Date 51,383.23 541.00 Aug. 05, 2008 PLIESEBOAT ?T Amount Enclosed Capital One BkIUSAI,NA *4218* P.O. Sox 70884 Charlotte, NC 28272-0884 802744:j 282720884847* Pion prinl addresser phone number dtarrges Eel I ussrp tike or Mach Ink. Address Home Phone Alternate Phan E-mail address at4 890194040031340081 MALL ID NUMBER JESSICA D MILLER 38 PIPELINE RD NEWvI LLE, PA 17241-9759 *172419759384* Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. our customers lower their payments an average of over $175 per month • I.aw¢r weragc monthly payment claim hand on fir nsonths payment on non•purchae low, aclusin of closing caw. that dosed between 1010112007 and 03131/2008. Aa.al lower payment may Vary. Refinancing to Foy off misting debt may extend the term orthe debt, possibly resulting in higher overall costs and increasing the wtal amount paid when compared to your current situation. Offer intended for qualified appliance only. Nor all loan products or term arc available in all n«es. The actual closing rimes may wry based upon the sum in which the property is located. Loans subjen to credit approol. This does rot represent an offer to enter into a ban agmenuml. Rain and serms subject no change without notice. Product and r wor sf(rmd by Gana! One H.- Learn. LLC O 1008 Gepial 0. . Up.1 Our u. fi knaIy rrglncri d - wrk Arl njasr --d Nome Loans I Mortgages I Refinancing Debt Consolidation 002 1 1. Isar to Av W . abatr Chase f& a.arr PWI.N. You.0Is" 0 Aar ass lrw paw of bow"'tabu! ¦Iaroa artaa a Mapadr..0. nwv . apasM wdrs.sern.a awq. nra aNr 8!80!8 11 aWu par yo«Ybl 11M adara•, N .alorNato Massie issia0 Yoar br p.Yrn "i Oabr• ad N ama a a b M oWlaa M lra p.plwn Aw .M Wonme T.wYro .paaasarWmshin &V Inal.n so ItUeaaN. ca rasece obs tarsal on w rrraab a War do m pa/ M bW mw aarrw a Aaard. aNrtW Cf.aaa•TwW wasntcl .0410 Is .Om. palsa w memo o anar.datta.l) aabMrace Y F.MW b 1. year a A>AOmaanao 3)a twadlmof ft dOM la M d osYnW rydMaar«a0•.a POW. W. 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You .aM11 I..wr yr aM w "'Mum IM des~MO"Y am" or JESSICA D MILLER 200494 38 PIPELINE RD Date 12763 NEWVILLE, PA 17241.9759 68.7270/x560 Use by September ?, 2008 40601-01 Pay to the order of JESSICA D MILLER 50 Dollons 1111rchaff Chad Richmond, VA Memo Signature /12763/'256072701.7502673373364/ Just write a Capital One* Dear JESSICADMILLER. Ch k! h P You have things to do. And now you have an easy, convenient financial tool to help ec • urc ase you get them done-Capital One Purchase Checks.' Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction feel things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. © Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Swe time and money. Buy a gift for that Use your Purchase Checks to transfer higher-Interest-rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less Interest. Treat yourself You've got things to do...get them done with these Purchase Checksl to a night out Thank you for your time, bill lid C onso ate your s P. P. Taylor Jamison ??. Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by Septanbre30,2008. Want to transfer a balance now? Call 1-800-955-7070 or go online to htW://bran 4Jl(anymcoelmbne.aarr/olhn. 'Please see the reverse for Important information about using these checks. 40603 200494 JESSICA D MILLER 12764 38 PIPELINE RD NEWVILLE, PA 17241.9759 Date 6111q=7012560 Use by September 30, 2008 40603-01 Pay to M order r of Vnin $ order .7 Dollars IrWrichatur Chad agla"M Richmond, VA Memo Signature 8027442 /12764/•256072701*7502673373364/ ? ?j Q n m€ N O N > T ; b}? P Z O I1 1 ZZ ti ? C n T Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available endosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out or just Q: What APR will apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a tern of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May not quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. O 2008 Capital One Services. Inc. Capital One is a federally registered service mark. All rights reserved. 8 m m o? np LLLO v a N ? A ? m W 8027412 1 1 m 6..65% APR* 500205 (We printed this big because we know it matters to you.) APR Is obviously a very important factor when looking for a Fixed-Rate Mortgage. And here are some of the ways that Capital One Home Loans takes out the hassle: • Customized loan amounts up to $1,000,000 • Guaranteed FIXED payments • Personalized Loan Consultant from start to finish 8027442 No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2607 or visit www.capitalonehomeloans.com Mon.-Fri. 8am-8pm; Sat. 10arr fpm EST Reservation Number: 5088 041 183 4327 Adwrdwd uwwl Pera„wY,r rur u etTrtt ucr u ul 06lZT12W8 -J wb?t nL LIIUV aL uLy dine. APR q Lrau,l oLL gaud uediL luawn•, $3(10.196 ivu. -WIL. 80% cvmbiWJ • IVarl-LUaluc raLiu and a 30-%u Li%W-Luc firsl-Ticll mUl'tL?-ta? MOUL116 Pxymcm lux LM -iy1c is $1,929..Ud1doiLJ Luau uId ruuictium apply. rasa wuaaa Caplral 0- k an Fgnal K-ins 1-1-S- -- f m ad_ionel impnrranr iMor-4- LENDER Home Loans I Mortgages I Refinancing I Debt Consolidation Home I-. FINANCE Previous Bohm Payments & Credits CHARGE Transactions Now Balance Minimum Payment Due Date C$1,383,23 - $41.00 + $18.68 * $13.47 = $1,374.38 $41.00 Sep. 05, 2008 Jul. 12, 2008 - Aug. 11, 2008 Page 1 of 1 Ylsi Pladmi n Amount 4N2-MId337-M Your Account Infornation TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $125.62 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $125.62 REASE PAY V- LEAST 745 AM!OVNI Payments, Credits & Adjustments 1 05 ALIG CAPITAL ONE ONLINE ACH PA AulhDate 05A L G $41% Transactions 2 11 AL1G PAYMENT PROTECTION WM27Sd04 F na11Ce Charges (Phase see reverse far mporbrlt WV1711113n) Balance, rate Perio* Correspalding FINANCE applied to rate APR CHARGE Purchases 41,383.03 0.04368% P 15.90% $18.68 Cash $0.00 0.04655% P 16.99% $0.00 ANNUAL. PERCENTAGE RATE applied elk parkd 1590x. AtYoUrSsrvke-(;bbcomp Qbmi ageymaaauR- orGatl4O. R3837bmoonabatorobirrcadorVo*bCLebnrer niiii ® PayOnline, aty me, a-malyour paprentb. CYpid Oro Bank (USA), N.A. • P.O. Bak 70884 - Chart b, NC -0884 A $endagWAesle: (mad Ore- P.O. Back 30¢85 - Sat Lake City, UT 841300 ® Hive a question about a charge on your stdort ? Please refer to the Bithg R lib Summary on 11e beck of your statement or visit www.caoilebre.coniMsuakss PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WVWV.C'APITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4862362673373364 11 1374380041000041004 WOITE' I vfidTS nynurwAlkt)' Account Number. 4862-3626-7337-3364 New Balance Minimum Payment Due Date Please print adtess or phone number dw ges below using blue or black Ink. $1,374.3 $41.00 Sep. 05, 2008 aa&ess PLEASE PAY AT LEAST Home Phone ? fr oft THIS AMOUNT E-marl'xfdieup Amount Enclosed N9022504003134000N NAIL ID NUMBER JESSICA D MILLER 36 PIPELINE RD Capital One Bank (USA), N•A• NEYVILLE, PA 37241-9759 P.O. 90X 78664 Charlotte, NC 26272-0664 "'II'Illl,lisillll'Il'I'11'll'1111111"IIIIII'Il'I'I'Il'I1Jill II IIIIIIIIIIIdPllhl'llllllllllllllllllllllll'll'I'lull'lllll'll Please write your amount number on your payment made payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. $13.47 Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $250 per month' V Lower -rage ruoudily paynent claim based as best momh's payment ou non-punhase loans. exclusive of clusiug costs, that dosed between 11101!2007 and 01!30.!2008. Actual ln-r payment may vane Refineneing in pay offemsring debr may extend rho - of the debt, 1-ihly resulring in higher merall costs and increasing rho coral amount paid -hut conaparul w your COMM situation. OHit imi-Ld 6u quAiticd appli<anrs only. Nor all lam prndmrc nr «rrmx:m: availably: in:dl sran:s. The: auuril i1-ing rimm may van, haled upon ncc -c in which ncc 1-1-y is located. Loans subject w credit apprmal.'Alas does not represent dt1 offer to enter into a loan agreeman. Products, rates and Luna subject to chalige widtout uoua. t4urfunr rend invite. olTemd by 6ipw l One llome Loma. LLG". (1108 Ggdrrd Orrr. (.irlrit,d (Me it rr 6eimd(y rrgisw,ed im iee adnr!•. All rho n -i ed. Home Loans I Mortgages I Refinancing I Debi Consolidation 002 it 1. How to AMM • Fiance ChWpo. a.Orece Period You we haw ¦ mk*wn grace period of 7. Annul PwmnMpe RWO (IWR). a The Wm "AnnuW P ' mD' aPPwr r "APR" s. Nibs Abort Ebdmri Check Cdri . 25 days wWoW*wm dope on new pinchers, new on the nt wn"L elato ? of U bineK t you When y i a w ou a a you d balance Vanefsn, new special pomeees and now ' ' uW D. ntlle code P My Pm in Cfg, C Inl « W o nbd tbn from owd"cdndt lo rt to um W ssCwnonicWrnym on to ns iaer fmmywrdepwaawaat or to Weir oe"gn f you pay your lobl Tbw 8ebro9 , in aaadenw With to InPontrt Notice for peyrtwts (rly CD), M or 8 Prkiw) p;nnre ee C nMto re W bdioM evsanthe ars of 1Ne etbrtwt nerd to to perbdc nYS(e), tle p"rodrice" room Vie peyrn pgmrMYa UWeasWn.NAen we uw below, ors in tknfor It to be wend by your peynsnl Tiers is no pew period an ban advances clue deb robs and correspond rig &NNAAL PERCENTAGE RATES to InomWbl ham you check to male an wlactlonw Nntl Vanafx, Nntls rtey be wlhdawn fmmyar wpwl acoouit . aid apeaW lrWWMe.badwMl.there bno pew MW Vivy yurery end coq ¦MS" or 011011039 Died on the *WW WIICes = fade In The N'WI SDestJwnW as soon a to sWro dy use mosiw ydfpayhWY, WId you Pena on any Vermotlon n you do not ply the beer t,MwBWcw " , , pis be rterph p "Jowly ascload bYa+ iheee will not Polkidon. YaeMW aW YOigborCor" Wd OWK Is ri Is r fro I lby to deep d ll on Vie . b. Aculrip Finance Chops. Throectiors which are not dengr will be wne*m on this ft* dy dYOM bekp period covered by Yourperbdfa 011101 lit Wx*v in to 000LW nq trubrYa and eWdmriiay chonsu Wood returned subject to a paw PwW n anseesed hence chugs l) from tns dab dlwtersectlon or 2)Porn tedeb the rectors or Amery. APM uWy era 00baber. e. If the cods D Q.brMNy Prkn), F(Morthly LIBOR),«D pPWMD* B. BrMUtplq. M you n vOW to barkugcy pmbatae for transaction Is processed b yoW AM" Or 3) from Vac firer osbrrlar day of ttr currant baatp period Adi•bny (Treesuy Ll8?gpers on the hart of your sbbnent y off It Y not an 62WO to COW, 111eees or WONT . , a you did not pay Vss'TSew Belaros' homle l"W"PLe read to the prbdc at*X the Periodic, new rat oo nspdpsp ANWAL PERCENTAGE RATES my very elect or clam Do M sera any pynwO dsedy to us rdlkrp period in UL hie ce c erm Lorilkas to scams b M"* era may toed" or Worerw band On Vie aged without speehhp with your bnkn*W &UmW or the your upWd "drew WNtl'e wVMtial1 apelth pleas hdces, w found In The Well SWW Aounel YGout IYawbanbavrttd "oboe your full Thie masts t1W you trey stle ace price charm, l , nwpn yd"e"edloyou. cl" ip" cs These will accolant or your barr?bY pmcedhp, Pietas We your atlomey axdadw tare youpyUnaentes NwBeWicehdice"danthe s e on the v peri io n eR xWS OnBeM1 own Period n0i. lionl9fyowelevoiei bytepymentdusdsW.butdol not dO acforfe PwAms nion1h. Uipeid Vrwioe VuW 1`11"It , OVWM 00 FAlan 4. ASe ese nwe MVV1Prynlnr FeedUirtle Wonth**MWdy0FyO c rlefe e see 181WN6 RIGHTS Sl1MtN1RY nhmFe Elast wa ChWtlssprtwddyaWA c. kaliereen ics ChWpe. rvearh brnp parboil* nottD , etlrrphtbwere«natbrseee&WsryfarerwCOW newn et (Incuynoreormoini "wabOW n YarBe) need rtlon a n on a you 1 wit is your eecou t is sidljs+.t b e nnorow drys. a mkwrum prior notticrion to you wibbu( wdvhp our rWd to ewers Vie same «aifaarerr at a la"rtsrr 101 r or DY s on a e reedrsoon wsoon I, wrM? to b w sego" araa0 ctlori a V trial FINANCE CHAFWE Of 70.50 Will to ripasd. a Temporary Redlydlon In FaitWe Cletpes YW "sear" . ti. MemDerenp Fee era RenrIra tar remnant. a a DoeebY at tlr addfer far irigW W shown on tle fbrN tids e ahlrrenR We MW hear Vomyou no mwtw 00 MP orw , . the right b not weew any or all hence chrpr far Wy mirnpenrypbe sppwe on NY eWWrrwd, to wig cfed[tlw fee ayourquwstbebwyou soaounlwWwi 70 drg's of" wesnyathtfiotbionvAiM seencroronoblrnappeared. OW b1Y p period. rtellrlg of the aW WrwiL You may cmlinue, to we the Yw om wl ou CueNrner ROW" r rMer «ndy w by 2. hmape Day Saul" (Ieladnp Neer PWcleeee). noca "aetip the 00 dy PW W Wave YaW ngwwt. n You wind «webeiW, but doN twit not Preervs Your "bhb. In France drips Is Debtarra by nM*kV Ve day do not pay el CIa awdontNSW rtwithh Podye. your W im. YNe w the room" V*mW m: your rive and balance or each sepnendyaWWO=t(s.p., cash ar IF you use your credit card or coati dwyou negwWb sown[ri VIW.VD does arms" of go suspected en«.a Borer" , psG _e, speed brafer, and special p rder) doss, WD' mrnbrehlP M PT' b' ' rr d a0' be wwdplbrid to wror ara nekpirWbn,lparaee,dwhy by the oarwporasq day Penaab rWw(e) OW hr own nywaeitl bYareccolr. I .. you "sieve Nn e n rmr, «f you red non afannon, a pwb Aly lobedbyaa Al the end dwdi dydusp d C «SUSperesip Your MaWL You nq ngreet desorplbn of the item you we wad about. You do net We to the «Wip PW W, woe nappy 0e day Perbale roes for Seth tlW your account be dosed bit cL" «wnhp O Ur in it w Py ar w sT'wMptro sat ssprwddyareouol bledeybYrrosdeech CudornrPAMWMDIWVrwttAlVwrndymro art ed b p M preW e WM 0 W you dpy to pO n n not s gent TMn Wthowddthoblalgperbd.maWup "ewer provide you with additional dshala on dosing your gmtio *mi nmbon. mdm p a t o ae stbn we creedspat late mulls of "M Belly asaeWvel b 6"M WyoW WoMfharice derpe brown wprwd. We add up the agog". This my h*M pwff" sft'.OM nyou ova A ur d t you t ot r Wo a dry s d*gwen tlstkigwna motion bn b ass WemWcl the Oyu" You gviollon. neap horn own"Wrent to antes at I* WW pWkktb Trience dope for your Wooult To get ft day balance for yawm c or wpws pos to yarRCDUn Wbryosaak w b cloy your account, ova each keep your soroWt open or reopen R We my clan or swpWa your aeosWd and you MI?for C j wit *Want of you eccarat we Wks tle btpsbielg rWt to 00th edit. We my do this at any tae end for ary y wth theme or senoes Dame for each septum and add any row Veraeasow neat, WWI F you n not h dWWR Aswpnsliln d your that you purchased with a a" cord W you taw tried! in poll Inc! any papa" hence Berge cOcWbd on to WwOA WCOLIVcan Wprrtrert OrtsrnpaWy.aYaremdanre tan b cored tte pmbtern wWl the nriKO d, you my have the deO Whence for NW seprerd. vie tlwi sd*vdey cbedor SWWXbd, you mwtstop "rip yaw cram ban Vit not to pay to WrWAp rroWa on an to Property or . to 09 rwprwit T1W gMw us the saW"aM tlWA' Deloriw Nr ahe$@Pa l era sarouK YOU mad Wo craW WI Pnsuawtmd t*WC wServices. YOU h" 11A oe mss Nan $50DO Wqthe pmin? wW= to as n mb In ? price your ewheeprond your account. , ayo ad Vr you p Ho I ace anneVinene to it* atmunt yh WE rat do to lr You. I cks or Pernerwity WapWW You crowd, YOU must tone stab or within 10D nibs d yaw haillg adtew.(Fwe a Now Babes shown on your Gar n w aWe h aW do" al stet cans era accost amww decxa. You own oropera" tle nnembanLorl ive s you the your row balance was zwo a e credit swoon), new rust WIN pq all rsoWfe you crow w on to account, Wen d ads d Prr ft property or sr"es, d purchases n pr t rnewtlon, which poet to your Puroiwe or special Vin/ ban duped acer your sooctnt a abed or axetwd rsprdws of snout a location of p rchws.) Plows Prrahees 911111 e n not dtbd blahs doily baWbw. We sn,,pe1ded, rerenksrb $igh MCOnrpondabs. cakken the awrape dWy balance Dy Wkep 0 the day bettor bpafw end dd tp the am W to sober Of T. k"IWrg PUY M PW/nWft you rtW to w will ba credited byow accare W of to WWW" dy bas m We R t Dow not appy to business alcca" thedyshdoeweritb"otb.Tooelaseteyortotl p pndvNra(1)Youwrothsbotlornowbonortilb rrirt Your deck In the Wclwed ranNanw emslope era R) Capitol One suppons n privacy protection. no our periods na end be nnpr days In the rnp Your Pe rrwd Is noelved In aurpracessep center by 7pm ET YAWN s(NWASKIM&W period. Die to MWWQ on a MW boll or " 97 mk*nurn (12 roan PT) Planes allow at bur INS (5) business a4's for CWN One III , OWYM num of Capital one ?N firvin s dupe eresenrrard. ftm nay be a venerics a Paelal ?• PeDvrrW received by w at r Fl nanciel C irpont V* reserved. 02008 Cw KW one bebnen Vie wiadation and ft aront of threw tarp" e kicelM «h any rdlwbml may abt be credited r ins or WhAW asseemid dy vie MOM" Noel OW bi"e"r dye We Many Vratph WPrtaeNtlnY P,searieyauselbwMosandwbyuazar2rdMpataarbyrreaNtpaidrd (1l yaaeaalw bdrnpbsndfimWwead Yon dash MarkedmrlroswbPsadR)Ywr praaaartenakedhour prabaetyarsr gdpm ET (t2mm Pf). Flrwalow rtrra.(W befwedgwfapwrdenry. P4swrnwlady Wst>d dirboanah dry drlam seyrW bagawdesdywreaAwMtarbra.dawa.ktady sea,yisaady,addhgrio/bye Pbtrdunottwa;be, ptPwdPC. ntaraven nePwtra Your PWWL 8027442 vAat's In your wOet) It could happen to anyone. Make sure you pay the amount JESSICA D MILLER due on your statement as soon as possible. WHOOPS Keeping your credit in good standing can k th thi l d . ot more an you n o a GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES (good credit could mean lower interest rates) by I payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) (O 2008 Capital Qee .Srrmurf, Inc Gepital 0- it a fedrndl regiaend.omen mark. All nj hu nv-ed. FINANCE Previous Balmce Payme t & Credits CHARGE TrafmAom New Balance Minimum Payment Due Date $1,374.38 - $0.00 * C $18.80 * $53.17 = $1,448.35 $84.00 Oct. 06, 2008 Aug. 12, 2008 - Sep. 11, 2008 Page 1 of 1 An PW=n Account 4N2-X 6133 -M Your Account hdomtation TOTAL CREDIT LINE 51500.00 TOTAL AVAILABLE CREDIT $53.65 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $53.65 Finance Charpes (Please see reverse for inportant idwmabon) Warverate Periods Cormpondrg FINANCE Wpred to rate APR CHARGE Purchases S1,39221 0.04356% P 15.9096 $18.60 Cash $0.00 0.04655% P 16.99% $0.00 ANNUAL PERCENTAGE RATE applied Ihk perlod 1590% At Yov Susvke - Ebb b maap yar ®on+t. or 09 1Z0.00a3w to copal a bet orsti n and or speak b Oebrw nobbors ® Pay online at wwasollabnexorn c mall W pgmst b. OhpiW-0884 Oro Bank (USA), N.A. - P.O. Dx 70054.Ohabee, NC A SeuW blquldas b: C,apael Lko• P.O. Box 30295 • Sd Lee Oly. UT 81130= ® Hm a quatlon about a dnrge on your adberrent7 Please refer 10 the Big Rigills Summary on to bad( of your staters nt or visil wffwaPiWxaa.corrVdwutm You're behind by one payment. Remer ber that paying to minkmrn payment by the due date keels your aoowt current. So make sure you send in the mnirrMm payment to keep yw account current `"Irnponar t Notice" Your account was pest de. Under the terms we previously cimbsed to you, if your account is past ds again it the nett 12 biling cycles, your Amlal Percentage Rates (APRs) may Fureme. Par ments. Credits & Adiustments Transwdi s 1 06 SEP PAST DUE FEE $39.00 2 11 SEP PAYMENT PROTECTION 1 527-304 $14.17 You were assessed a past de fee because you miwrown payment was not recewed by to Ise dire. To aodd tits fee in the fidure, we recommend ft you Blow at least 7 business days for your m mun payment b reach Cop lal One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPNALONE.COM TO MAID YOUR PAYMENT ONLINE. 0 4862362673373364 11 1446350041000084009 CapoWo tx, I sitars m your wallet?" Amount Number. 4862.3626.7337-33164 New Balance Minimum Payment Due Date C$1,44635 $84.00 Oct. 06, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amourrt Enclosed .ml P.0. Boxe70664nk (USA), N•A• 8027"2 Charlotte, NC 26272-0664 IIIIII11111111r1111191IlIllllJill 11111 111111111111 Please print address or phone number dLanges below using bke or black kek. #9025604003134005# MAIL ID NUMBER JESSICA D MILLER 36 PIPELINE RD NEWILLE, PA 17241-9759 llnllllydl III+-lrunllhll•II•dl?lhlllllyralllrlllahrl Please write your amount number on your payment made payable to Capital One Bank (USA), NA and mail with this coupon in the endosed envelope. 1. How to AVW a FftVM Cnwp. adtOD Period You Will law a nwnham WOOD patio Of 25 drys WJDA frwne Cha'me on n gatlrasas. rrW bdarm Wallace. row special purchase and row other, trrnOrr tyoupayWww Nwavaro r h amooarm Won the rlpotant NOUN for PWMPM baba, and in trte for lb be MCIM by your paynanl der data. Thanes is no Wads period n cash Wwnoes and SP MftWOs. InO Mon. dueb no Wade period on any barrw,Wdn a you do not pay hnWal WOW Behave b. AM" Finance Charge. Trarmaetbro which are not subjectb a Wake Period are mosseed Mom daps 1) from ins case of thatransadbn or 2) from use date the traaaclbn Is WOOOMW 0your Atlcourt or 3) from to first teach day of tle cur not tiling purbd. AdMbradJ. I you der not pod ths'Taw Balance" from In p wOmm ring Period In NI. Mann drama cortraae t awn, b your w*M Whom WON No upd balance Is pep In full. rdp mpaw flat you may ad one irase derma, won f you pay, fthe wart New Balance rdhcetad an do fat d yor salwhent by t o Iaymnt dw der, but dd not dosotrereivWMA nCnth. Urp thanca WNW n added to ao appbese eepai of yoWAeoout c. Woman Fhaws Charge. For each bang period eat your scout is vAitd b a Maros clorp. a mhrwrn toto FM CE CNARCIE of f0.50 Was be footled. d. TwWW had cIbn in Finance CWW Min ewrw the rot to not allow any of at thence Mom tr any g kw burg prkxL 2. Awrage Day Babhee (Inddrip Now Pmd=@O Frame daps OR Ulan by milliplying No daily bWroeor son news ayoraocvuR(94. can advarnca, prehase. sPec1Y irarlafaf, ad spebba puchw) by go owapondng dry period- MWS)dW has ben pwbwy dbcwa aoyou Atthe end orern dy drag the berg period. we apply Ito OW MIOM tie for earn loprwtdyw account to to dally b lance dean eagrrrrt. Then 9 do and of No bil" period, we add up Ihe owls ante daw odxbb w to arrfe ayow tonlodemaae crrupbrean eaphsnt. We sW up 1 e eelb mnh SOM eeWrWIt to anM at to to psrbd' Mm mm charge foryouraccoud To gat thaddy, bWnce fa can samwat of your awurt, we No tro cep im tsWwe forech sprat ad edlwy rewb'araeCWre ad a y pertdewaroe crop CWC6d@ d n rw prwbw dor's Wbncv fa Oat osWnat ore Nan ettoast any payrreie wmdtt pMrd a d Nat dry cab n al ocoM to Nat segntrt Ties mire w Ow mpwaw daily balance for Bah segment or Your acbowt. MVAY. W, a YOU told to Now Balance mown on you prow" $Wwmt in fug (or a you rwv balance era arc as erase wai ng, now transactions, whim postbyour purotae or special puclae aeWlwte n nd BddW bItn?Owl! balarhCae. WB calculate the sweep day brave by atldrg all tit day bean Wptw and dridrg No sum by to nurbwof thedryshNat=wtbawgycb.To oelck I yorloal mane urge. n ft* yon werep d* baales by the day Periodic use and by No enter Of days In OW btrim period. Der to row%M n a day bet ado t rtaarasn fence chap amomma , port may be a Variance .. this CdAMILrn and the artist of fl oras orange actually, Maslow. 3. Anna1 Parm"go Rates (APR) a Thy brm'yNnual Percentage RaWmod appear as "APR' on the fronl dthls slabrtwt. tk a Ne WCse P(Quwsey PMW LPRA" UBQ%C (Csorbry CM or 3 Mwi=W Parrs) Olpws on Its front of Ni alalarre t nerd bNo periods ob(e), the Periodic nos and cormspordag ANN ML PERCQ41TACE RATES may Very quaay end mod Mncraae ordeasase based n No sltsed tdlces, as Rkaq In The WWI Stmel Journal, pkw to narmh pwAm* dbcbmd byou These degas was be aRacWe on dglrer day, of your b*V period --W by you palodb Oft-t finding in No moraw of Amoy. Apra, Joy and Q=.. (Treasury LIBOR) appeals on Ohs fret or your atatbrtant nod to the I - 1, 1, mWaX the pwbdc Ma and caraepont" ANNUAL PEKCEWA(E RATES may wry MWA W and mod hMM a OMM band n No eased IrdODS, as found In The Wall Sheer Journal, pas go ffwga ? olmolosed ID y sa4 m on on dw6M day jarbOV period each north. 4. Abeerrallll of Late. Owrara asp RMUnod PWnart Feat Lynda the Arta of your o slowapaerhert, am maws the Hot b went or not to asses ay fees wllou prior n"tM, ton tyidwrfnutwa ipowrk/itoWay nM sarha orsiralaraee a s laarlrrr. Ii. hOw""p Fe and RsnrerrY0 Yaw Acom nt. a a mwrbe oWNo appears an this @WbvrmK w VAN bran the fee if you request to clow your azwt Woh 3D drys or to naig of this stdome t You may continue to oafs aWUpclangthe dD not DSY IN degas owed on fhb account acc yUnt w with In h W N rayys s, or t you use your oWt Cad or account alserym request to ebee, ary ,.-,bmvl le plwlblwy walvad mod be re. , , byorabcout. a OMW or$uopo dug Ybuw AQOblat You fay regret 20 your account be closed by calling or writing our Co Weer Relators Depvnrwi. At tothw of your rv*mL wo all prct'ds you wkh addNiwl dsMs on dosing your account. This mod b ukxb PWnrlwt Ift.,oW ryou cos yoworadtewdorelm post b yotraccount alaryou ask w b Cbr yar W=rIL era ODn b*PYOWaWOWd Open a reopn itW* my obe wwApwd you await and you rot t Wan credit. Wa may m twat a y Orm ad forary reason, won ryou we rot h dWUIL AawPKW W or yore acotari can be panwwd or larbortry. If your account Is closed or euspwdK you nod atop erg you ersrM card and awout You newt coo cerheal ell prwwWhOdyed berg wTwgwreri to Uw amurt Nee will not w MW for you. If "cloe or pemlanently suspend you accord, you must also deWcy at =0 cads and account access *ho*ka You not still py all anmub you Ors us on No w omt, ern N they ware clamed artier youraccount is closed or suwpervMd T. Mooing PWnwrhb. Paymwit you nod to w Al ca credited to your account o of No harems day we rWewe L prodded (1) you lend tls bolbm portion of #0 staW wt and your nWk in go encbsW rawNaA WWORM ad a) yourpW^ent b rWW,*d In err wooeaarg berasr by 3pm ET (12 roan PT). Plaalo albw d bat fare (b) bwhete dos for Postal dow". P'alnrnts moving by w at any cow bCNmon a h any other mcm my, not be addled m alas day we nwel a feral our custom; doe an mxxw Nrogn 0. Ndbe Abort Eladronb Clock CanvwWn. When you pawls a cloak a PWMWC you aranatM us skrwtow k*nndbn homyour cloek to male a wo4k e eYC60nb fund Invoter from yaw dismal soc ours or to process the psynart a a cl edk Vivisection. When we we Infornatbn fan yo clock to nano an electronic fund Nwerw, funds mod be wirmirm from your kapost woomt as Wake to mm d y we becaNe your pWrran( and you WIN not MOW* your crack oak from ywthawr inadmution. Your Is not by the class on Ina clack. We rnW moubrrt end electronically collect nbrnod pwmmft. m. Barbtnp W. I you as wtWd to bariouplry IrdWlbno for your account, Ni cwmwOmdon Is only for prrposee. It Is not an MMKW to CONW. MOM or tcovaa debt or corn Do not a" any pWnwb drernly bus *VW spaalug with your bankng4.y attorney or 0e BaNaupt y Coot a you wart to contact us Scott your WWXAor your banmgtryproc' WO,PWMneeyour alloney contact A. tBIWNQ RICtbTS SLPOAA qY (in Can of Errors or QUwloohe about Yoke BID F you ft" your al Is mong, or It you head nnrw bromWbn on a trawaptlon or bill, Wra t w ash a sepNb Brost is soon a mom" at the adsns for Mukho shown on do Pont of ti sseserrori. Was not hoer-tramyou m bat rim W doe after ern esntyou pre Neer bat n vihkwh is endear prdbean appeared. You cn cellowCAWW ROW" nrrnar ornotay w by small or websb, but doing emit not preserve yow rW b. In yarn titer, per w the billowing WeIrwWbn: your romm, and smart rahpr, the diW trout or No euepesed era, a ceaCrlptWl or the wor and an akpaWbn, a pwlse, or" you below two b an wrdr, or ff you need noes rtorrratbrt a daalpbn or the awn you on dourer about. You do not have to pWany'wrWtInquestion WOWen YMstoft t,but you n dl obtoMfiD poy'to Daft otyour bO tall n nd In Weston. While we im@WglM ywgk"a% ate cannot report you a deMqueri ortale any adorn t coled the arou t you gmum. T SWO Rub br Credit Card Purchum a you lave a prouWn with On gwdy or propary w senfcee that YOU PX,a WE] a W" Card and you haw Wild in good fain to Correa the preoan With OW M "M you MW have ne Vin rot to pay alt so 00 g amour der on to popery or awvba. You rove this pDW" only Won No purchase price was mot than N50.00 and to pun, - -was reads hyour rohe sorb or within 10D "a or your ff"V aftua Of we own a operas Nine num ant, or awe mass you the aMNartwnt for go properly or servlcas, d purchases ate covered regardless or grout W b6aon of purchase.) Pane mm narb son as corresponds". T Does rof aNpy b bwpises ICCDVrld Capital One rk4Pab rtormation prrmy p PbKbD r: sat our ., at WMANININgImmm Capital One b a M1dav* IeQistaed eawke rtgn d Catoat Cate Flancbl Corporation. All rob reserved. 02006 Capital One Ytperisrlt IVaNte: Ihapear ysu tit a w ell a aedetl w yw atut x d In Aglaa ally w. rsare c pa4Ad ion Y00 Dad M bwaa pwYohdfbaaet rdpr dedh loaded nrraaoey?aperdQlyar pymtt isnaMdh fur pro®tgderar g3wa ET (IIrwdnPf). Plrwaaw tbetM(6)buwwdye rapwadMetr. Ptyewinweedquatrycarrbaeshah ry delam ehwral seasddrdlwdyarloisean.Ourbuatredge natrdyy seagnSaasdy, edddgMdsYa Platsrb actuw?riaianerPalerdPe.alb hwahPryWrh7 Ywp wL 8027442 500251 -- important notification 61080 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. • Fees applied to your account This change will affect fees billed to your account after January 25, 2009. You can decline this chanc e. C.apliaf FINANCE Pravious BkWm payments & Credits CN RGE Transitions New Balance Minimum Payment Due Date $1,446.35 - $84.00 + $18.06 + $13.66 = $1,394.07 $41.00 NOV. 05, 2008 Sep. 12, 2008 - Oct. 11, 2008 Page 1 of 1 Visa Platinum Account 4tI62-M211 i Your Account Information TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $105.93 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $105.93 PdAM PN V LUST MS AIAOUW Paymeni Credits & Adtlufrrlents 1 16 SEP CAPITAL ONE ONLINE ACH PA AuMette 15S EP $64.00- Transactions 2 11 OCT PAYMENT PROTECTION 1?527-6E04 $13.66 Are you nested in refnsraV your curent mort W? Capdal One can help. We offer yell rates, no hidden fees, and you wt mo&e the one-snore atbantion of the same personal last cvrsultat from cat to close. Visit www.capifalonefartnebans.com for more nkrination. France ChaW (Passe see rmom for impotl irtt iliormatim) Bttlntce rage Permit: Owrespon3rg FlNAM applied to rare APR 01AR0IE Puc"Wee 51,38232 0.04366'% P 15.90% $18.06 Cash $0.00 0.0466596 P 16.99% 50.00 ANIWIAL PHtCENrAOE RATE appaed auk patiott 1590% jj-!tk At Your Sarvka-(bb ywzw&kwzxn b momye yaur mmort or Cat 14W403-31W b report a bet ordAin cad or apace b Oxbter retoons ® Pay On*w at mply, astdabnemicr mall your pWTort b. pfd Oro Bade (UGA), NA - P.O. Box 71093 • Dwbtb, NC 28272.1083 ® $artd In irides W: Capael Oro- P.O. am 302%- Sell U" My. UT 8413D4M ® have a qusfbn about a tdwp on your elatartalt? Please refer to the B*q Rghts Summary on to back of your statement or visit PLEASE RETURN PORTION BELOW WITH PAYMENT OR LDG ON TO WWW.CAPFFALONE.COM TO MAKE YOUR PAYMENT ONt1NE. 1 4862362673373364 11 1394070084D00041005 Account Number. 4862.3626-7337-3364 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. Nov 05, 2008 $1 394 07 $41 00 = , ID Pay orline anytime-no more checks, stamps or clutter. PLFAIATf SMOUN ® Moving? Change your address online or on the back. ® Help save the planet-Go paperless. #9028604003134002# Sign up at www.capitalone.com. JESSICA D MILLER 36 PIPELINE RD Capital One Bank (USA), N•A- NEYVILLE, PA 17241-9759 02 P.O. Box 8 7442 AFL IIIIIIIL,rI'llllll'll'I'll'11'll""'llll"1111"llllll'llll•l"I Charlotte 111i11i1"' IIIII"111'11111111 rrlrl'1'l11'l"111111'1111'11'llll Please make d*& payable to Capital One Bank (USA), NA, and mail with this coupon in the enclosed envelope. Cap" .97W IL 0,2 1. How to Avab a Firearm Chai a.Orece Perba You WO have a reeYmum grebe period Of 25 done wtlbd team mare an rem RWdM ,MOM bdwm Irfmun, rare spooled puminfew end new othercnefin a you poll, ywt hil14Ow 8larefr'. In atoorrinroevrfh fee hpaWt NOW for Peymeb below, and In *m for it to be cradled by your piefinifird den dote. Thous n w p'we Wbd M owls advanow .fed spaced front". In addition, nee is no grace period on any Mtralabre IF you do not pay totM 11eer BeYrcv.,, o. AMukp Fkwae ChOW. Tmroactions ~ era not subject b a Rosa period eA aaeweed lteraa charge 1) r m the ddb of it*menew on or 2) from fir date fro wacnar is proaewtl to youAYxcut or 3) VOM" find rehindar thy of fir ourrW W" period. Adabrefy, 1 you do not Ply Mo'"M BWrae' from air prwbea tarp pelbd h fuN, aeamUw dteampr aonuna b actor b yourun"ej, - --ureffee WPM OaI wpfldh fuel Thie trees OW you mfy *0 ode norm drew, wren f you pay ft era Neer Saaroe krloled on the want of yw waMrrrrM by the pymertdo dl but did not do wforto pralora monlfr. Unified from dept we so M tear apprwu mgr eftt of yo rAgoo" c. Manor Flerm Claps. For GOM bill Perkid that your wcouyt b Wtrjed ba Rrem deg, a miarum toW FVWCE CPARGE of $D.50 we be "Old d. TaWMW RIWMO In MOM ChNgm five, ttr right b not anew any oral fkek' crargw for any gwm biro per. 2. Aaerepe Dry Baarm (knWrp New Pradeses). Fkraroe aepf s cWx*M by rnati ft tiny Worm do n wgrraddyour rcout(e.p.,aWr adwrm. Pradase, View ft9w, erd agouti great) bytheaafwpordkgdayperI I n&O)V*hn been gevouey Modified b you Al the ON death dy dwp One bifrp period, we Wpb On dab penJde nor for earn wpnat of your ao oust b tlw deny bdwm deader wWnvt Then at pre Wd of VO bitfrp prod, we add up fro nerrw or owe duel Q*Wdbm to Wave of you pebdc Name "W for son fewrom we so Wfr nerve tainocn eon" to flnM at from PWbdo Than cape for your accoreL To get the dally bee" for own aelemit of you moon ll, we take fro befiev". LGIWM for Own bewrelY end add any new Memolions ern any perlock SWM Creergf ailed M an Ir PV49 i deYb oaWm fa Mat wwre rL We Ihor ewbWd ay paYfra'YS oruW b pooled as d Mrt day fed are AbCOW b Mae rwret Tree Om W fee sepase dell oMMisebr ewh segmrnt or yw accont. HMMNW, K You field to New eewm shown on you pwvbw Mirivert In its (a f you vex ream vies zem era a" atoue0, new tnimoodore, which postb your purehw or epedW pucrese fepnrb emnot added bMre dYly telirme. We eWNUU Pen average day offence by 82" 0 the, OW teMrwe bgeMer and dividing; Me sum by to rrerberof ins days in pre curler heap cycle. To arlaMaeeYOWMI from crge, magiyour everwddb" -, by Mme dey poodle red stdW the number of dye In Mla lMatg peiod. Dim to welling on ¦ day betis craw to 1Yrrlen seance dregs awemmnt two may, be a vorkince W~ low Qdo llborr WO fe WMA dllrerioe Charge wiry awaeed. 3. Aural Perredape Roue W% a The Wrn "Anmrs Peartimp RaW may appear as "APR" on MoSart d t b da*nbreL to f fee Code P PAN" PrkMe L (r2amey UODR? C (Ouerury OM, or3 Maoaald Prate) eppere on the Rota offb ehbrtet nod 10 to WUW iv"( the periodic rate e d conreapardro ANM.KL PER WAGE RATES may very War" and may keereafs ordecrew bred on fire sewed indices, es ford In The WWI Sbew Journal. pka file. arph pevouiey dwowd byow Th"s Clrrple era be efwlwe M foam dw d your my peiod covered by your pefode eWrnert ending h Mo mores of January, APM Jul and OMW. c. NI a code o QAw" PrkmX F (ktdhy L13oR>, or o (Trewury USCR) eppeee on the Trait of youreutemwt red to fee Pebdb rata(.), the periodic MWO and axleepardtrp ANNUAL PERCENTAGE RATES may very nosy and mp, Increase or Minnow bawd on tee surd krMCae, r band In TheWel ShM Journal pka fr merger pevowb diecl sot b you. Thus depw Roll be efedwa on the n* day dyourbakp period each MW WL 4. Annem of of Nu, Ovefehe 00 Returned PW=nt Few Under the twra d yap ouisbmealli III , We reovefr Vi bwfwa ornotblaewayfaw w2hout prior mroM, i byouwflaulwawkpwrbhito rewa frsoreareinl mWeeaIW *M. 5. NarOasrp FM and VA In Mp Yom Awounl. If a rtrrtEerwMpbe sppeers on tb efwerrad, lw Will C" the W IT you hqueetto cow you faourt~ 30 dye of ft ffm*V tithe WWW MKL You may ranlhw to we the wom t dakp fr 30 day Period before yoW MWW. If You do not py aldepasoWd on Mee account wen in W dye, or f you use ywema and or amount OW ym roger to Cow, ro, nerrberdtprw pdevknol owed my a 1Mlfebfd bywewo ref f. CMM or Swpe drrp Your AccoK You r my mWW fat your account to coed by affil or YA" our Cudomer MIN" Depeuirmetl At tome of you rquwL mwa provide you wkh addaon el delab an doeing your aecoerfell This rim kW We payment Mtamtlbn f you we youroreditearordev post to yoraowun eRryou aek w to cede ywamout. We can keep you noommt spew or reopen t We my close orewperd your a=M std you rphtb atrpn cldL y/t veep dD Mr W sy thr ad foray mown, evm f you am not In doleful A suroperrelon of your account ban be perm rrnl ortempary. If your amouft Is cored or suspended, you mot alp uW%yor credit and and arwuet You must also c r" al peeWddxed blip arerperrwa to ro s owunt. we We not dolt for you. f w slot a pemeeny awWrd You adrawlL You rtaw aei daftly r act owft red eeomif amend tacit. You mgt vi pay, all ambuut you foe wan to vent, son r they were depad dW you waaut 6 closed! or aisPehded. T. Mildp PaynaWa Pyrreb you mr to w Wtl UD Credited to your wewt w of ta oOkeM dy we. aws L pfvkled (1) you send the bosom Podiau of #0 WeYrnort end your MWK either renvelopeendC2) ywpoyrt t t cawed in arpnswskp ootw by 3pn ET (12 noon PT} Plow fiber W amt five (5) lookout dye for postal delvery. PWmwb mcNred by w fit sty, other Mallon or In any err form ferry riot be Wedrtl M Ufa dq We Mesas rem OW W*WN dys an KWrdy Mroeyh a "digs Abort EMOUMO CMok ComiMabn. When you prwne a 0" w pei m irt, you aMarbe w other to we kMomearon from your dwck to mdw a cne4i eMebonie fuck efrefafrom yourdepost aeoout orb proaae tre p1w"- m e check fraragwn. ww We uw Idomaanfromywdeokbflewanal Madofuck smeller, funds trey be wbeierrn from your depots wean as won M MN seem day Ile rem" Your PMwm ad you well not reoawayor or" back from your fireviouil IrrYMMlorL Your aworbYbn is not Imafd oy free der on t o cleM We tray re edint and ew macely ooferd mined Pwff Rout. S. BW WupWI. 1 you era wMWM to ban ruptoy proleetba for itamrefgre yotrfowrrt, Do dammaWrlbn is ony for papaw. n or ro M alYrtrpt b Collect, seMM a eeoww a dW or cam Do not send any pymer dwilly to w wllart speekkp with you lonkri Marry, orfe BWWWtCY Cart If you WWI to CMM w aWA you WOOLWtarYour talr(trpcy Plooeadlp, pWft We your Homey oo t" w. tSILUND RIGM SUMAARY (In Cw d Effm orO M%" abort Yw Ba) ryouMil your bMliswrong, orfyou need mrooIrror ebno, aMmAlbn a bill, Wwb w on a wprar sew w won a powUMa W Me addbr for IrgW W Room on tM fion or #* sWWnwiL Vile muff tear from you ref W fron OD OW Wkr WebanyouthtfMWbeonvAiM Mermrorpdbmappeared. You can =111 our Cuatairer Roll "mooed arely w by email or websfe, but deep so will riot plsaem your rights. I you Mar,gMwfee follm bHamalbn:yourumsrd amount wr0er, free d74r amount are wepedvd era. a dWaplbndfre erof ad an ocpreion, f pmt)*, of wfy you belevethen is an elor. or If you reed mpe informal a description dfr Mom you are rreferre about. You do not have to pay arts, wFoW in gwwpn Woe w fo lrweefpaa a L w you ale wa oblbsld to pay to pert or your bed tet h riot in ¢W Wan. While We IwealpYa your W Wbn, we OWW upon youwdetgwrtaoweayw tiorlb,,Mete tteensMrot gaWion. t SpecYl Rut for Credit Quid Purchanien; If you have a problem with the quwMy of propel or se rion that you purchased With a oredtowd and you h6r MW in pod fwtn b cgmvct pee pin wfh tlw rrferaare, you mfy rave fo rout not to pay Mee refer-0 enarrt den air the propuy a services. You haw to pWwbn orb, Wen to prchm pia Wen move Men 850.00 and the purdeae was wads in you tore stab orwf n tOD Rat dyoumelip adder.(fwo wMaopelee Meern"If .o'fwm- you tree adverdu e t for the properly or seivow, r puohasee ref coved repardew of embut a WaWn of Prsrew.) Rime nmelaler to sips M correspondence. t Dow /Nappy ro Musn,w a=W" GMPIW w Y r prk'wY PdaOectlgn: we w 01pfW ores 110 NJ Ie0 1frervia mark of Offs llee FlnewW Corpo fi All mptt rwevd.020M5 capital One Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure ................................................................................... we process your payments smoothly: Home Phone ........................................................................................... © • Don't staple or paper clip your check to the payment slip. Alternate Phone ................. . ......................................................................... • Be sure to use the payment envelope that came with your $0272 E-mail j ? Le statement. Using a different envelope could delay processing. Address ........................................................................................... i • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account Please print address or phone number changes above using blue or black Ink. number on your check. 200564 41080 JESSICA D MILLER 0 V1111, important notification of a change in terms to your account The changes detailed in this notification amend your Customer Agreement. All other account terms and conditions remain the same. Please retain this notification for your records. Your Minimum Payment Calculation The following change will take effect starting with your December 2008 billing period: If your new statement balance is $15 or less, your minimum payment will be equal to your balance. Otherwise, we calculate your minimum payment by adding any past due amount to the greater of: $15; OR • The total of 1% of your new statement balance, plus new interest (periodic finance charges), plus new late payment fees. This minimum payment will be required for every statement with a balance, even if you paid more than the minimum payment or made multiple payments in a previous billing period. Please note that this change in how your minimum payment is calculated could result in a higher minimum payment than you're currently paying. For example, if you pay late or have missed a payment, it's likely that your minimum payment will increase. A The above policy change is required by federal banking regulators and cannot be declined. A V You have the right to decline the following fee change (please see the back for details). V Your Fees The following change will affect fees billed to your account after January 25, 2009: Cash Advance Fee 3% of your cash advance amount or $10, whichever is greater. 200564 see reverse for more information, including how to decline changes to the fees on your account. > Please note: You are not eligible to decline changes to your minimum payment calculation. 8027442 if you decide not to accept these terms You can choose to decline the changes to your fees and close your account. To decline the fee changes, call our automated system at 1-800-226-4119 by 8:00 p.m. ET, December 14, 2008. Please have the following information available when you call: your account number, this notification, plus the last four digits of your social security number. If you decline, we will close your account on January 25, 2009. After that date, you: • Will not be able to use your card • Must cancel any scheduled payments you have set up for automatic billing • Will forfeit any rewards you have accumulated, so please be sure to redeem them before January 25, 2009. If you decline, you will be able to pay down your balance at your existing terms. Please keep in mind that any transactions you make prior to January 25, 2009 will still post to your account. We will consider your account paid in full as soon as you receive a statement that shows a $0 balance and no pending transactions. 8027442 For the hearing impaired: Telecommunication Device for the Deaf (TDD) To access our TDD line, please dial 1-800-206-7986. Please have your account number, this notification, plus the last four digits of your social security number available when you call. Please send questions or concerns related to this change to: Capital One Bank (USA), N.A. P.O. Box 30285 Salt Lake City, UT 84130-0285 We cannot process your payment, nor can we process your request to decline these changes if mailed to this address. Our federal banking regulator is the Office of the Comptroller of the Currency. 0 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. 500008 whars in your wallet) It could happen to anyone. Make sure you pay the amount JESSICA D MILLER due on your statement as soon as possible. WHOOPS Keeping your credit in good standing can k thi th l d n . an you ot more o a GOOD CREDIT = GOOD CREDIT REFERENCES You're • • BETTER INTEREST RATES (good credit could mean lower interest rates) by I payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) Q 26N18 Gtpital Onr Sm- ws, fnc. Capital One it a fV •n t1ly r,gisi re i -n, .-k. 411 ri#a., --d. Previous mum Payments & Cm is CiARRGE Transactions NOW Balance Minimum Payment Due Dub $1,394.07 - $0.00 * $29.36 * $53.47 = $1,476.90 $85.00 CDeC. 06, 2006 Oct. 12.2M - Nov. 11, 2008 Page 1 of 1 Visa Platinum Account 4N2-X&=-M Your Account hlformaHon TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT 523.10 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $23.10 Finance Charges (Please see reverse fa inlportalrt information) Balance rate PeriaSc Correep=kv FINANCE applied b rate APR CHARGE Purchases S1,416.96 0.0668586 D 24.40% $29.36 Cash $0.00 0.09685% D 24.40% $0.00 ANNUAL PERCENTAGE RATE appled Ihb perbrt 7A.40% AtYorrSovke-(bb wympmiftbrou;om to mero eyorrsumurt. or CatIZD-fNRbdeportabetoret#nandaspeekbOA6W Repo to ® Pay Omens at vvmv or meal you peyrrent b. pfd Oro Bank MN, N.A. - P.O. BoK 71083- Charblb, NC ?8072.1083 ® Sadlltquld"Is; Capital Ors P.O. Bm 30285 - See Lae City, UT 8413D.OM ® Nave a question abort a dwp on your adarwV Please rew b ft Bung Rots Summary on the lack of your statement or visit www.kaoitebre.corrddisoubs YouYe behind by one payment. Remember that paysg 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. Payments, Credits & Adlutlitments TrargactiODi 1 05 NOV PAST DUE FEE S39.00 2 11 NDV PAYMENT PROTECTION 1966527-W04 $14.47 Order term previously disclosed to you, some or d of your Annual PercenbV Rates (APRs) have been increased since your account was past due twice n the past 12 b&V cycles. If your rates have steady increased, suitsewt dair crow acl•rded the duation of the ncraned rates. Remember. If we receive your minimum monl* payment on lure br 12 corseafiv® biig cycles, the account will be vAmed for a poest ils reVm b your NDn-Inooducttory APR You were assessed a past due fee because your mninrrn payment was rot received by Bte due date. To avoid Im fee n the Un, we recorriff" that you aloe at best 7 b sneas diys far your minimum payment to reach Capital One. REASE RETURN PORTION BELOW WITH PAYMENT OR LAG ON TO W W W.CAPnrALANE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362673373364 11 1476900084DO0085001 -? C,aptt'(f Account Number. 4862,3626.7337-3364 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Endosed Manage your account online today- it's fast, easy and secure. DeC. 06, 2008 $1,476.90 $85.00 Pay online anytime-no more checks, stamps or clutter. PLE45E PAY AT LEAST THIS AMOUNT T © Moving? Change your address online or on the back. ® Help save the planet-Go paperless. #9031704003134005# O Sign up at www.capitalone.com. JESSICA D MILLER 36 PIPELINE RD Capital One Bank (US0, N.A. 8027 NEYVILLE, PA 17241-9759 Y42 Charlotte,IC6326272-1063 lilllllll'lllll"1'I'IIII'l1IlI'1111'III"'IIIIIIr1111rlrtll,Ilr1 IIIIIII'ill"IIIII'll'llllltl„Illll I"IIi1'II I'II"IIIlllll'111I Please make d*& payable to Capital One Bank (USA), N.A. and Trail with this ooupon in the enclosed envelope. 1. Flow to AVW a FMWM ChWge. 3. Named POMMU god Rat= (APR). 0. Nape About ElectnbnE Check Cawbabn. eorace Parbt You wt1 hest r ¦ rnMrr u ngracs period d a. The term "Annual P'wwrhp Rao' May appear •a'AW When you preside a ciw A w payment you auttarin a 25 drys wtllpt force charge on new Purchases, new on the rani or rill OtRM WIL eltwrto un etormedon from ya chsokW make aoratehe belehee bombs. row special Purdneew all new, ' 0.r to 900P(000" Primal, L(QWMy UOQRQJ C owmic hind bleeder lbmyour depcei accost or to other lodges r you Pay yortoMl'TI•w Selernar , n Ccaer•ey GM orS pankc•rd Prnwl appears andwfront w?we P?oapwdrd attorderbewth rM efpolWtNaaforPyrrrart• dteseaeernWitbllaperbdis rate( thvpedodo an an electronic n check to n irlommillon fra your below, all in Yrafor If to be credited or your payment nt ea arW e«nespor -rig AlrelAL PEROWACE RATES fro c W be W oa acrim yMAour dep yrrrdlwn a Van", funds o, due dear. There Is no part. Period on ash aovarcee may Vey WE" era! RW tplea" «aresar bred % osk L Y We4 s6me dryw? loon are s YourP•Yrrert.andYour all spebal minalers. In Wolin there, k he pea On lea eae0 Yri.'M, r found in The WWI S" Journal, we not MO WO room Youth yar awa Pedod«n aybarw•ccat rycudomt pairCabIW peatlanerghpirmbusyrioloincYa+ Taw io . Your autlntahen Is el net armed by the des on e InWbtl 'I'll Baler.." dlrpes will be dbm on galYK day or your MV o W a.ar. We may rasratent and Mearonlaay weed rMwnad b. Accruing Rance Chap, Transactions which am riot period owersd by your perbrtc st@Wrdit Mldln in he subject b • ttea pMod n asSeeeed fiarna clarpo t) moms of Janay, APM. July and Oaccer. g. Bankr pli y, t you am erttleC to bankruptcy pictectione for from ihe dale Of the trM=Lt n«2)from the dale the c.me codex OID" Prlmt, F(Akatlhy UBDR),«O y for etonrraohel rac n , thft your ec frarneaadn k Moefted to your Atcoae or 3) from VW (Treauy LIBOR) appears an the fret of your statement w to , - .n d Wterrppotmw krin N adieu «a?v+ere p P Net eaMtlar day of the cumant Warp period. AdiM "W, " - rind to the pwbdb reWaX the pwbdc tale and IX or « claim cam. Do not your cry pWrtwmwM b us mom Via Protoo If you did opt Pry We Mew Balance oomol ondng ANNUAL PERCENTAGE RATES Trey very wW ardmhy c orew r ? epeekro with your W" period In UL fsarioe "M MetiVA to Cane to matey and my inoresee or decrare aced ch invested M s want 10 arl It yW ou s wad to low Y es A C your upap tetaeo I WM the u pep balance N Pon in Indices, r found in The Well Street Jdrri Pea far ccount or e. ft, Wyse hhwe your certwppY prrarwdtp, your fWL This mean WW you my ON raw finance charges, i margn vedouy' doolow to ycu. Those oh•r0 , will be attorney on the w en rya py lea antra New Bakrpa nd elective on the Ret dy, dyprrb*V Prlod osoh March. fret of your Matertart W the, Payment due date, tat did 4. Asneemamd Lae, OVO"M and Returned Payment tBILUNQ RR#1T3 SLAWRY not WsoforWepenoa mWrh. Unlap row on"M Far. Under the tens of your we Your Blip Enos « (n are addedb[he aPPbaneeegrrertdyarAdpurR mowmberWtbwWe«natto M arwlbm%d mg oUt** MWV,D lryouhe ear«mnbnOil t you WanbarWlkwr«h c.Arerlem Finance Charge . Fwaach calling Period that prior notification to you wilodwelft our rat to areas . aurnrtlch ae.waFb up on ch a s streetM w soon as your aavut is sriysd b• lrerce charge, amihmen the sarheereirnew ave eta mamma. ho n o the posallob V food of we barir e atr the aWl total FWME CWAGE of TOM Will be Imposed. 5. Membership Fee aM Reneel YOWA•auLre mygu h tplatrtlnarn aWtadyeenter rtleMIartfomyeg d. Te 4MW RB&PM" n FawwCha9N. We reserve rtartaoadpaw eppws od rhia etebMrrR aawr crec t gar Whom em ern the Retbal ch the rot to not lawn err/ or all male dngw for any in rya request 10 close, your aootA WNW 30 drys of to us by oor or h rW You can err call Reiatohe m «ry u ta di n Ya "biro PWW. 2. Avanege Day Berates Qmkx q Few Padraie* mailg of Wk statement. You may corms to uae the account "" the 3g dry pow boon your ragi nt If YOU r or w e, out ut doing Iowa not poser I ore YON . we to ra bMic anion: ourno a In ?? FNarpeaape kanUYledymalpylrgtedady cb not pay all dmgn owed on Wia 0"' wed in lip dye, wp WW.9 WWJtMMW. dOW Wrpat baaridedecal ssgmettdywrxwe(e4, ash «(youteywaadtatd«accaant WlryoumWMto , d wr ry d rr wror r, M r aiverpe, Purchase IWIM UKAW dirt spacial purchase) clue, any manbMe is M prNiowy WWwd may be you bel you nee more f ft l you ora W error ort a rbrtret d you oelrw thee 6 an y t*oaraepadnp dairy perlode ne(e) U* hr aerr reaeiabed Joyw acrorst n of the Aerri you n arras You riot not hews to we aboulli aa wM* diaoaond byes At the ere d each day dung Ir 0. Clo" orSYepwtdlp Yen Accost. You may M*" tw p ny wricturill In pin whet we an NN q N, we bit lay any the bing period, We slaty the ally Periodic rOP for each that your account to closed by as" orwrip w M9 Il obi oblbated to b ed pay palm of your r bill Y#ral » rid In Your seprert of your account to the OW balance leech Customer Relations Dsperlnwnt. Attetrhe of your request. IO While we eaW Your guaaion , co ws cannot report 4ra nFrart Than at the all of the billing period. we add up we will Provide you with additional dailies on 0108411111 0108411111 YM ll closd the er temut You s delinquent or We any action b you the na4s of tneee daily aradMm to WrWe at yes sxwt. Thk m ey n'eude Payfaaa• eeomagora ley u uw qA&IM peptic heheeo"for9ecneegiren.WeaWbPre yoLrm* card orderpdi post to yotr•pcaud aerya ask ranee r«nacheeFiratbartNOWretalelpobdo ua to clove ywarxount we an bpyweecourt opan« t Special Rate fa Credit Cab Purchases rnrps derpe f«yo«ecmut. To gar the dYy aeons for reopen t We my clan or sueperd your account and you dpro sennoos a n w gsegoodl y or If you rom with each e•prert or yaw acaut.we Wes Ves beget" r0dp Obtain slop yye may do tae d ley a1a allfurry aied w W in good prrue that you u OVA o you have trig in good •r ain • at baWpeforeaoh $W,Mt all eat sty row brraelbw rerun, wen ryatae rod n ftkL.A$UWMalon dyes itpt to cane t the the ro Woa•arm vArrthenMCnt ryamayravedive aM airy pe ock, Sae a doge N*AWd ale previous ' a=MO can a po,.Maa• Or WMO erY. I/ yw80"oud Is PrgrMy « p arra d dua n ? Mp ? lea r dey s oaiaroe bar rr segmprt We than Subuad any closed Of suepeMed. Ya met Stop L"W your credit card e this o IhwerM epn the sambas. You Pureness lama p Wnwte «asdite paled as of thd delf MM are abated and account You met a wcrpst all ft•eWhakad W ling am was mark in en and the q+phe was yw 'ods nos b 'r tt Do M mWinart This pica w Via Moarele dairy OWWM for anrgerrade to On GMVrt We WE not dothk for You. t l none Mare «Wtm nnWDmtw neip . (r We east loomed dyoasawn( FMWW, rYa paid rr we cons «pamanrhy erparrd Your ai You MUSt A the r if we operate ft moaned. or rwe rtaliad you the con ra Now Star" anown on your pnwpua eleeerrred In hill (« If tab dee?y d coda aft wo wootn acmes check.. You nckMan all puMrM are forte Mt Properly or nrvl aWM your new balance war zero ora crest amburt), new "M so pay al arroaes you oast us on the account, won r ion of rwwWrgas rnue« IOcWbnpucrrn.) Plows trvracl". whion Post to your Purcw Or ePOOM they we "W der Your amount is cpeed or rMremterpso ign ON all conespandMna pnrdeeaeapin nnoteddiedbradallybaWpee.We oapan09C . alcuale ore WWW day balance y eddey r ihe ay t. MM" PyrrardL PaynoMS rya mat b a wtl becredted t Over not appy to "MM ROW" baiarlcw togslhw and dud m toe cum by the Mar0er of toyour account M ate Weems dry We M09WOL the days it go carat b&V rycle. TO CMXAWYwtotal WWW$d(t)Yaendthe loot- MMMOfth kdvrnt ttarrnrbn laNawy Wobwtion. odes w One ? rrrrka charge, melvly yes warps aal!'treterre by tar ri dic, no all b the nnpar of d s In the blr ai and yw check In the erplaed mffmtw e e OW@ all R) WAU111 lvabe le at o y ry W r Pe yorfpryr n" k realvedIn arproawep coder by 3pm ET e eig km Caput era On feder• nnpe ? parm oteb rwratq an e day bark ordw b mtararn (12 roan PT). Pkan allow d M* fie (5) tersadi drys for AN ll mghb V ft r esso . .02006ODS C CaotW One arnclat orpaatbn ved Fln C Nance charge aMarmnt two may be a vaherce poft delivery. PWmwb recel"d by w at all, onn beMleem rte calmest and Na din u t of RE NO location «n ley doer form may rid be credited r of re aduay Mowed. MW we receive Von ter brnrnen days are Molly thmugh _ __ Srurdry, arctrarg rprJaYa. Changing Address? Address ......................................................................... Home Phone ......................................................................... Alternate Phone ......................................................................... 8027442 E-mail Address Please print address or phone number changes above using blue or black Ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: ® • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. 500" .*at's'tn your wdret? It could happen to anyone. Make sure you pay the amount JESSICA D MILLER due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES by I payment. (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) Cv NR1H capirdl Onr Serviu..+, A,% (. ipifal ow it a fnltra/lp rrAmtered .rerziee mark. All rigbu nr;nved FINANCE Previous Balance Paymertb # cm is CHARGE Tranmcdons New Balanee Minimum Payment Due Date C$1,476.90 -C $50.00 * $28,45 * $92.79 = $1,548.14 $117.00 D CJan. 05, 2009 Nov. 12, 2008 - Dec. 11, 2008 Page 1 of 1 Visa Pbdmwn Amount 4862.3w733 -M Your Account Inkmrellon TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Pease am reverse for Important info malion) Bakrre rate Periods Correspordirg FINANCE applied b rate APR CHARGE Purchases S1,448.34 0.0651996 D 23.90% $28.45 Cash $0.00 0.0654996 D 23.90% $O.OD AIMNAIkL PB4CENrADE RATE applied the period Z4.DOYv At Yar Sarrke • Gb b b rrehgayar amrA or Oat 1-000.90(*`36WtommlabitorrbbnoedOrW@*bOAW r reetons ® Ply Oren wwombbromm or mat your payment b: Oro Barak (UW, NA • P.O. Bad 71M - Ohebea, NO .1083 send M*Art•s tor: Captel Orhr P.O. Bar 30085 • Sd take Cty. UT 84T..OM Nava a gLwthn about a deep on your shbinerV Please refer to the Btlig Rft summary on the beds of your staternert or visit YouYe behind by one payment. Remember that paying the minimum payment by the due date keep3 your accent current. So make sure you send in the minimum payment to keep you account current. Piaylnellts, Cmdlb & Adllatlltenb 1 12 NOV CAPITAL ONE ONLINE PYMT AutiWlo 12-N OV $50.00- Transaction _ 2 OB DEC PAST DJE FEE $39.00 3 11 DEC PAYMENT PROTECTION 14RI527-6304 $14.79 4 11 DEC OVERLIMT FEE DEC 11, 2008 $39.00 Hinder tams pnsionrsly dlactosed to you. sane or el of your Annual Percentage Rates (APRs) have been Increased ands you ==a was part due vm n the past 12 bil nu cyder. If you rates there already increased, sibseWt dekgscias wderhded the duration of the increased rates. Rememt a. If we racew your minimum monthly pa/mart on time for 12 oonseo*ve billing cydas, this WOWA WIN t;,, reviewed for a possik retrn to your rbn4ntmdLVy APP, Your account has gone orer its credit lint To evob additional werli it fees, you should pay more than the Minimum PeSmhertt. Pla tee pay ahoto b bring you aamtrit Warm below your or" lint immedatey, and make sue your account balance remains below you oredt Nmt Please be sue the anoint you pay accanb (or any We purchases, fees, and finance charges. You was W ae9ed a pest due fee becatoe you mrs nun payment was not received by the due date. To avoid to to in the future, we recommend the you abw at east 7 Mainers clays for your minimum payment to met capital One- PLEASE RETURN PORTION BELOW WFTH PAYMENT OR LOG ON TO W W W.CAPTTALONE.COM TO MAKE YOVR PAYMENT ONLINE. 1 4862362673373364 11 1548140050000117000 Account Number. 4862.3626.7337-3364 Due Date New Balance Minimum Payment Amount Endosed Jan. 05, 2009 $1,548.14 $117.00 PLEASE PAY AT LEAST THIS AMOUNT #9034704003134002# JESSICA D MILLER 36 PIPELINE RD 8027w 2 NEWVILLE, PA 17241-9759 '!'fLrl•11••11111•L11111'll"IIIL.rI,•I•ullllyd•I,1•I•.•II'll'I 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. ® Imp save the planet-Go paperless, O Sign up at www.capitalone.com. Capital One Bank (USA), N.A.- P.O. Box 71063 Charlotte, NC 26272-1063 IIIIIII'111"11111'11'I111111r'llllll"II'1'III'II"IIIIIIII'llll Please make decks payable to Capital One Bank (U%, NA. and mail with this coupon in the enclosed envelope. 1. Flow b Atop a Fkia7 Chrw. a.Orsos PenIW. You will haws ¦ minimum grew p of 25 days wdout fYrncse" on new math aea, nevi baYnw trsfers, new special purotrasw and anew bhhr stela a you pay yourmul'Tww Baines', n acconareemlnee IrrpolWt NOUN M pear enas bsbx, and n b eibr l b beeased by ywr paynwt[ des date. Tlare a no paw perndon ash aoaroes arri WNW barwfaR. In adilrt these is no paw period on any lnaatfon r you oo not pay the Wall .New Gl b. Accruing Fiance Chatie. Transactions, Witch are not subject lo, a paw PWW as assessed Me ce amps 1) ham the class of tletanecllon or Z) From Vet date the transaction Y processed to yo rAccou t or 3) from the rate Warder day of the cumwa bWQ period. ARrdarey, r you did not pct thin BaW W Own to Pallas bifq p n NI, lrleslae stapesoonbae b aosnr b yea u pad ttaYrct wM Vw upld ba*m N pap n fWl Thte metes tltat you nail' etd vow Illwla dnarles, swan ryou pay Ilea tke Nw Baknw Mdblhdon tle front a ycw etell esrwt by Use pgme td a dalel but did not do soMVa previous mail. Unpaid mime creation re added tone applicable segment Of your Ao'o" c. MYrlun Fines Clop. For each bMng p then your acow t N eugwt b • fbmp chaps, a niwsan tea FINA E CW.ROE a$10.50Will bs krrPoeW. d. T"WMW Redalbn In Friaries Chergea Wit reserve the right to not assess any or all Ikrwse aarles fa any 2. Arwapa Dail Batas QncWq New Puchisai e). Finance ohal he oabjktW by rr%WVAq Vh dally balance of each spore or your Wool (*.a. can advances, Pechone. apecl I briar, and special Praha) by the ochaspaakl dry' I'' W IW(e) that has ben prevlousy disrlsed to yoa At the and or each day MM the bell period. we apply On ay Plrbdio rate for sell seprwtayour vest b to day balance or each seplwe. Than at ft and of the bawl parted we add up the MWIts of these, ally OWPARWO 0 am" at your Perbracfkwwoo onsw eerseeh mo welt We cep Ip tar reeua Acmewhe"nil banewttalotelpebdic Taros drops fryorawmft Togt tar d* babnce for eachsaprwtayaa acsvue, wa tech see boom I bMVMfroWhnp/- ndaddsyrowtaniseell e we wry perlwlebmlw amps cathdl Mon the pmvWu dw* bsWlw for asst wwrwi We then subbed any pryrrwrts raedb posted as d tit day sees we sloostad b tM sephert Tits Bk'ee w Vw eepatu deny balacs M aash esprwt ayor acwue. Hawn, ryw pep to New Balance sheen on your previous elswhert In tell (or a yorraw bares was mem ra erect arrotri), new tmwadlow which poatlo your purchase or special puchesseeplwaallrlaaddediotadayaWim We Canute Ins wallop dally balance by asap a On duly bidenw teal and divi tp tea sun by tea neandwa the days In to current ball cycle. To calloudift your total fnatr awg., nappy your wasps day basaWa by the day perladl, arm and by the number or drys In nee bell period. Daly turd on a dally bass rds to mlreurn final sage aseesnwlL two may, be a vaderoe sheen Vas calculation and the trove of famloe charys actually ancow. 3. Anneal Percentage roue r/ V4 a The term "Annual Prcwage Rate' mW appear a "APR" on ns Mt of this euWrant. b. r the ode P (quarry Peters), L. (quarterly uWRX U (Oaterly O, or3 (Berms Pran)appe l on f ftM of Vie statement neat b to perwk rate(s), tie periodic rates and carreepordro ANNUAL PERCENTAGE RATES may very gulag and may MMM adeasae deed on the stated eeies, a Icoat In The Wall Street Journal. plus Vet mafgn prwbwy, donead byou Thaes area will be selective on the bat dry of your basrq p cored by your penes I Wlenartl enact In to flntnll a Janlmy, Apra, Joy asp OMW.. c. Vt w code O lAw" Prkrs), F (Mashy LJWR), or 0 (Treasury LIBOR) appears on to hat of your shunwa rod to the periodic rn"s the pwbdim rates and oorlapaldilq ANNUAL PERCENTACIE RATES mity very rllawlly slid my Mneaser Oecwae based n Vw stated Mae, a sound In The Well SOW Jan W, par the eon the Redd day your bOV placed been nester. selective 4. Anseneat of last. oernR /wq Returned Pgnlt Fea Uncut the fame ayotr aWw wreperrri, as warn toVdbwIs sorrotberectanyease want prior nodictlolt b rva wdasewabkq arrgt b wess toshereer WImtaTsarina. e. Member" Fee NO Renewal Your Man memiewshiplee appears on 16 sbbm@ t we Mill oreclit to fse r you requwlb doseyar swoon wthe1310 d4'e ems rtadng or the tYrnnt. You may continua beau the emcolrt GrYI Vas 310 day prod testae your wWw t you do nit py allarrtiee sad on 00 semuntwith In W days, r l you ueyor apt card r a=oM MvyoumWW b doe, ay rtwrsrefrW fur pnsvbuy cashed weer be rairlase. loyorswim. a cbeaq or SWpwWQ Your AOWJM You rely re tees that your amount be dosed by aiq or wdlg our CustomerReYYOm Department. As to *M of your request we wll provkta yon wllh edSoW atastdn obsng year awcut. Ths my Ycl de pgmenn kranWOm -m w yrraedt card wOoVn poi b yowo=w t sheet you ilk m b dose youramount, see an deep youraooart openr MWM R Wt my des rewpwld War amwut ww you rtpt b obtain oadt Ws may m this, at any net No For any reason, won Or you all rot h dvhwL Asuspension or your socmri an bepan sit runpary. ayour accounl Is dosed or a-W dK you-0 sop Iskq your case card and amout You nest also arse, at M WOrtad bllrl rrargarrwlfe to the awourt We Will rot 0; #0 rat Yod r see close rpemrrwty nape d your scomi t you mews am destroy all item cards end account scores orrem You rtes WI pay al arcuate you rev w on the cart, wen 1 they see" W sfW your acomint Is closed or twpWMCL T. Mang Payment. Pyrtsras YOU n11 to u will w cradled toYawaccount a eta askwee day, we reawe t plovkitl (1) you end to bottom Dw Wart eta tterrwt alp your amk in Use WWOOM rsnamwe envelope and R) yo rpsyrnet le rt-1 In our procleaN cer a by 3pm ET (12 noon PT). Paw allow, as beet five (5) Weems drys fr rerrsd as or to as Moray through a Notice Abort Eratmle Cheat Conwabn. When you prods a dllok o pyrrwt yuu aLffaUu w ellrr b w Hlemalal fmmyolrelwicb mler • onNnw el *micltptw*wftomyordepoaiawowtorto process the payment a a dean ire WMM WMn we use information from your aleck to mays an eMCVOnic fund tnuwtr, fum mry towalquen fromyour deposit amour asoaratarsamedrywe INOMW yourpeir antandym will not aware your chm sack from your banes IrrKOM Your aWartatlon k not I - by the dW on the crack We nom' rwudrt are electronically collect returned Peyr enls. 9. Sanpuply. I you are wMW to berelauptcy protections for y'orrsool has wmrerwawn is only for a tomw e l puposes. It te nit n Wa toconed, asses r recover s debt or claim Do not sell any pymna closely be a wtlnu epeaI gwithyourtnknplcyaMmeysae Brsaupssy Court. If you want lo cMM us a" your account oryour bersmpicy procesdel, pease hwe your a" oortact us, tBIL1.INO RMTS SUMMARY (n cite of snort Or OAPOOM about Your ryou Vnk your wl Is wlaii, orryou need more kranrWn on .Waal or tea, wdle,b us on a separate, MM as won as Pas" tear address bringrrw shown on the nett ateo *WWnwt We n* twrliernyou no lrtrrton 00 days war m sent you tar NO btu on which Vet enorr pUbm appeared. You an al our Customer Reasons number or no* a by small or weab, but mhq so will not pisrve your rights. In your WK. We w the bIMPOW ktontbn: your name sna amount rerlaer, the sow amount of nee wpalyd amr, a description or to rror rat n@K*n M, rpossate, awry you Will tam is an error: or r you reed now k lormil a risapbnatlr kern you all Irons about. You rte not have to Pay any rout In question what we ass kwestprtp it, put you am ea oblossd to pay to parts of your till twit w riot In gretWn. Wh ib we treeeYPte your question, we cannot report you as dsiquwt or tab any action to collect the arrourt You question. t Spatial Rule M Cosa Card Purerseem r you have a pnoblern with Use quly of pmpny or se doss that you purchased with a lead aN artl you new VW In pod IMbconed thel ow, willVasrrwc%M you my hoe" rbnlrotapsytenemNlp whole dsntarpro"r eseviom You hwainle praedin only when In purchasse price MA more than $810.00 rd the purchases was mil In your horns tale or within 100 miles of your mail seder. (If we omorwmftvwmwvr"9rlrwp YOU INS, aoertlrrrrt Mtn property, r eenvWSS, all purctrees re, cored rew ases a wrou t or Ioctbn a Wetness) phone MnWr elb 00 M coesprkince. t foes Mappy b bueness aafo" Capital One srypai ktornabon piracy, protection. one our waste t ?AMINkm aTtl Caplan one is a toetay ails savior R" or Capable One, nrerclas CorponWon. All spa rese red.O200a C.pkW One Changing Address? Address ................ Home Phone Alternate Phone 8027442 E-mail Address Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Ur (a 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 1.800.955.7070. • 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. © 2008 Capital One Services. hoc. Gvpitel One is a fedeanlly reglsti and service stark. All rights reurwd. FINANCE Previous Balance Paynrlats & Credits CHARGE Transuflons New Balance Minimun Payment Due Date $1,548,14 - $0.00 + $31.93 + $94.02 = $1,674.09 $204.00 Feb. O6, 2009 Dec. 12, 2008 - Jan. 12, 2009 Page 1 of 1 Visa PlatJrNm Account 411e2-30i673S7-3964 Your Account Infamatton TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $D.DD CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for vrpwWA iiformalion) Balace rape Perb& Correspwft FINANCE applied to rate APR CHARGE Purchases $1,573.22 0.01x'142% D 23.15% $31.93 Cash $O.OD 0.06942% D 233.15% $0.00 ANNUAL PERCENTAGE RATE applied this perlod: 23.15% 91o At You Sautes-Gob bmarya youscmuiL a Cat 140480$.3637 b mW a bstorsbin cad a aped. b oAbnw nalmors ® Pry Online at wymaniftibriLm or met you payment b: Oro Be* (Mk), N.A' P.O. B. 71063 - (lnerbte, NC •1083 A Sod kvp*issto: Ck" OrW P.O. Bon 30285 -Sal lake (Sly, UT 84IM-O lye ® Him a question about a dle9e on your aatierneet9 Please refer to the Billing Ruts summary on the beds of your statement or visit PURSE PAY A7 THIS AMWW You're behind by two payments. Less talk. If you're having frrenciel difW ties and cam make your minimum payment - we want to help. Lers work together to frld a soMAbn. I'MM111011 a, Cmdib & Adlushmb Tra mecuolls 1 O5,AN PAST DUE FEE $38.00 2 12 JAN PAYMENT PROTECTION la B527-M04 $16.02 3 12 AN OVERLIMIT FEE JAN 12, 2008 $39.00 41derr farms gwcusly dsdosed to you, sane or all of your Annual Percentage Rates (APRs) have been naemed sera your account was past de Wm in the past 12 big cycles. If your rates have she* increased, sibs0WI dtingldtcies extended the draien of the naeaved rates. Rernember: If we recom your mnmun monthly petyment on the for 12 consecufrre bling cycles, the; sccout will be reviewed for a passble return b your HyAntrodctay APR. Your account has gate over ft credit limit To awd aditieral warimd teas, yW shaJd pay more than the hlmeun Payment Please pay enough to trig your aooant balance below your credit limit rnmedatey, and make we your ac=nt balance remain baba your credit tart. Please be sue the amount you pay accounts for any fu l rs purchases, fees, and linerm d,aa,ICS. Y w are a vafad Payment Ptoteciorn customer and may be eligible for bennefRS b be pad to your acmunt per the terms of yo r Payment Protection agreement. If you have to wierced an eligible bas evert, please cal Storsbridge Benafit Swvcw at la!5 7 M to we i your s tuation q alfias for b e efits. Yar aawt is tD drys past de and your overage will besuspended i it reads 90 days past tie, as staled in your Payment Protection agreement. You were a9sssed a past de fee because your mninm payment was not reo ed by the due data. To avail this fee in the ful ue, we recanmerd that you abw at least 7 business days fa your mfrirnun payment b reach Capital One. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO WWW.CAPrTALONE.COM TO MAID: YOUR PAYMENT ONLINE. 1 4862362673373364 11 1674090050000204007 Account Number.4862-3626-7337.3364 Lend a hand Save the land Due Date New Balance Minimum Payment Amount Endosed . . Manage your account online today- it's fast easy and secure. F(3b. 06, 2009 $1,674.09 $204.00 Q , Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT Q Moving? Change your address online or on the back. ® Help save the planet-Go paperless. #90D1304003134000# O Sign up at www capitalone.com. JESSICA D MILLER 36 PIPELINE RD Capital One Bank (USA), N.A. 8027"2 NEYVILLE, PA 17241-9759 1 3 illllllllllllli1111'llll?ll'lllllll'I"??Illlll'lll'll"II NC 26272-1063 Charlotte., I. IL. I J r AIL. 1 .. .I. d .. Illlll I 11 II I Ill 1111 111 111 I lllll?ll III Please make dledis payable to Capital One Bank (USA), NA. and mail with this coupon in the endosed enveklpe. )ESSICA D MILLER 1. Now to ANM a Fk Wm Cheap. a.Oraw Parba You will rave a minimum we= paw Of 25 days wbbutf 4n=Marge w new pr don, new bebna transitions, mw sp icW purt:lalae lull new deer dlages N you pay yartobl'Nov SaYroll', in accombreoe wpm Ve krpafWa Nike for psymwn below, and In amt fort to be Crammed by your payment des data Thera s w pans period on can alvarces and special transient. In wdNkn, Vora Is no Won pwM M any Unction N you OD not pay the kW ,New Brice." b. AoMrg Flaw Charge. T nMW Me whin era not subject b a pray Psbd are aemesd Merge Clerpe 1) hem tra dal or the taheattM or 2y from as date into Mmotkn is Moscow b yourAccoura or 3) fern the Must oasrdar rsy of go currant blWg period Additionally, r you db not py Vw Now BOPW Inim to pervious baling Parlor h frlL alarm MWpa an *M to -b your opal abbe W" on carpal bow= is gob h full This nears maryes ray stillom line darpes, moron If You Pay Ve aralo Nov BSWM etlraladM me fiat d yu oblwrwa by ttb pymwt due dab. out dd not do prorlne pevbs nkrlh. UrpYdlnwlaa sooW oataddwtime Fore db ou t c. AWaneanFharemClripa FOrtoM teasp@MO parktlVW your wcourd N surfed to a IYarka atnargs, a minimum total FINANCE CM ME of $0.60 Will be nosed. U. Temporary Reduction In FYIWaM Cho"a. We reserve taw rod to not wore; ay or all tames Charges fa sly given b&q parka 2. Amer Day Bob" pnekeft Now Pwah m) Finstoo anege b ObLW by nM*kg Via day Clara of man mpmwa Of Your Wkdm (0y., can wvwcs, puWnaa, "-W MVMW, ale SP-W P F"W) by tar CWwspW%" day ParlCdk aie(s)V* nun Men prwiaey dbobW to YOd Atone std Or Seen dy luring the Wig Period. as Mpy the ay pskdc roe for each sitarist dYots wocout to the daily bdwvm or soon segment. Then at to mod d the bldg Parka, we ell up the raW11b or gam day Nd+lat>tr to ahNa at Your wioawwmomrpforadsnp,m Wesad Lpthe mmm from MM m0rwa b w" w tar kW ponka- WlarlCedes foryuawownt.Togalteadaybalancefor saMsepnol dyow socolra, tar We tna boom' LSWMe forsadl nWrWa not alt Wry now VWMM re and any perkolc Wane doge cal6ulsed on to fretioue day's nbnwfo Veaseprnert. We hart subkstary psymeNSor, I pombondthatdorymmnsnomw to the eepmw[ Ties pares we the soperele, daily balance for MM SW Wit Or Your WCDJ L Ffowe/W, ryou Pad to New DOW= shown on your previous stwwwlt In tar (W N your near belence vi as ]Wro cre coda amount), rov tmnmM ne, wWdr poetbyah purchave or speosl Wolves, "WrWnn not wdo to era day bmWM. We aaalae the mverapa day bolene, q wrsg M the oay, bibw together aw drift Vm town by the nerrbsr of the days n the derive btVg cyab. To alasle youraoal fnske Mare. multiply Your warp alto' basal by Us daily, PWWW ale NO W the arMer of dye h the blllrg patod Drmb =NMV M a fly beat Or CPA to mstmun Mom dupe awnmsa, two may be a vadsks between to baoulabr aril the amoaa of faarce, charge away ammo. 3. Manuel Pomrtepe RON W% G. The term "Annual Pwmtape Relr' my appear as "APR.. M the hard of trio eslamWt. IX r the cola P (QYWwy PMOA L (QAf" LUNOR,I, C (CAM" M. or3 (Blanketed Prime) appose on to hart of VM ehbmwt awl to iale poi rob(e), the perklie robe wad oornsporrdiro ANNAIL PERDENTAOE RATES may Vey qWA" and my alcove or OWene boW M Its, etabd Mats. M foul In The WWI tiNmt Journal. Pas the meryh P rAw* Midland to you. Tea c.- Q wabeelfedManthelNetlydYoubig psbd covered by your partook st@Wrwt w%WV in no MWM Of January, Aprt July and O* W. c. rto code D 0.baly P IMr F(hbahly LIBOR), or0 (Twesuy IJBOR) appears M tehMl of your also ed nod to the Pwlok rNe(sb the psbdb notes and oarrNpodhp ANIAw1L PERCENTAGE RATER may very morwly ale flap' oncost W OWVaeee awl M the stao Nixon, a road In The Wd Strost Journal. Palo 00 R•pn Pml'barb aadawb you Ttnwe Charges wa be of WoMtwfundryoryarMVparbdeach MWYIL 4. Aoaawwa Of Loa, OW&M WW Returned Payee Fes Uds VM loran of year Wsomar so W, v we mown the right b wWve or not to rtes any for wlhout prior noMlcotion to you aMnutvnertguriprdbeMom its ever Meha fees wetssamr. 6. MwbW lhp Fee wd RWWaYg rare MarnL r a MWrbeWONO eptM OM US SMVrWt,'ae will Cleft the fm!you mgwet b Coe Your WM"WsM 3Ddys dam mMM of this abbrneN. You may Cortina to um the account our" do 3D dry Period lWaoYour MWOL N YOU do not pay a dlrpm awed on ties, Woi vM In W days, W r You use Your aedt Carl or acco rt towym aqua to dose. only nrnbenh4 fee pmiousy wol ed may be aNIWW .byouecowt. G. Cbesrg or Sweparesrg Your Aealrt You may, mgsst dot your eccout be alcove by eaig MMti g Cur CUdWW RI10bM OepWhnwt. At tm Whe d Yar mgA$tL WO Will WOVICIe You with adibW doMb on Closing yet amount. This my Nkade piy,_ NaatrstoL ryou ese YOWMACarl Mclis Patbyoracciourd Wieryouark es to close youraccc urt, mom keep yorea out open or roopern k We they close oro sp ed yu eccou t and your rya to dash Mein.. WO may W West o y am and foray mMW6 $Yon ryou in not h MAK AeWpoakn dyer ao=" Can be permanent or tsnorary. If your so rat is closed WFW Wdw, You must atop utg your Croix as lud amount. You Test also mba all praWbimd billing; WrWWffWts to the Mcoua. We will riot do eta for you N we CIO" or ptmnerrrty sispWW Your Mean. You must aft Carboy all crest safe em emoat acdess decwa. You Cud sin ply all amnurb you owe n an to account, even I OW "M dwged albs Your accatrt s law or wwPwnded 7. ataldg Paymeeta PymoMS you Mail ID US Will Do andked to yu epwt M dtw Wekws dry ors mare R prorated (1) YOU sob the bottom MMM of this start/Wt std your dNek In Use encomia rarraame Wwekpe WO G2) Your payrtWa a rw lv In c rprowee anti areal by 3pm ET (12 roan PT). Pow allow a bear 1" (6) blseem days for POW *#My. PwmWb Moved by up at sy, star Walm W In arly Corr ton may not the mum a or Vw My we raoWve, Vmrn Our Wore s dye we Moray archon Q NMO Abut Ebdmnb Chak Cony eon. When yw Words • dnecic a pymwt. you l abrtw us of erto wee Ytornollon from yorrMadeb rnaM a onmakne eMotmic had taneW fromyWrdepoa axwt oral process Um payment as a dwdc trvaaction. When we use Inlomiskn from your dm* to moo an osCro is rural exists. furr/r may a wtxkm from ywr deport swout a soon as lie tone day we Kali your payment and you WIN not MMV YU Cn$CK COOK ITOM Your IelWk1Y Mftd rt. YourailhWtzOtlon Is not wave toy to dale on ttm Ofmdu. We my roans she esaaacaly cvNCt retuned Payments. p. Bwtnpey. I you are Mtled to WrYOupky Prcledkne for yonrGW WM tote b0lrNmmown b Cry for e/armmeonel purposes. K to not an WMrpt to coact, taw or recover a debt or dam Do not send any pynsrts clinically ID a w heel spaall with your bankap/y annoy Mme Baaaupgy Lout r you Vista b canbct M about You. account or Your ba*M*y WOCeeda'g, PN Mhale your attorney contact rat 1131WN0 RMITS SUMAI RY (in Cove of Erma Cr sstkm about Your 80) N Y. India: your WI to wrong, sryou need mom ktorrnelbn m a mwwltM W bill. writs b us M a sepwab steal a Won a possible at ma adaaM for IrquNNe sheave M Us pale of this eswrwa. We mart hear flomyou no IWa fell W dye star orsbayout**Wbar M*dohtwwworplaM, apperad. You an all u CestMer Relations nabs or notty a by sraN or websa, but dokg so will not pas" your rWb. In your bWr. gt'o W tne fotoeag NlsrrlYlW yor Cars and scant rkrrte r, Vm dolor woof or VM ewpPCM ova, a door) M or on Wnor sot an woumM, a possible, awry you heave two is an oror. W r you reed moo ream "M a description OF the tam you an "M alai You do not have, to py ory orGut in gAWM while via are kwnhp*V t, but you as M obxpasd to pay to plus of your bill tat we not In gsabt Wale ors Naemp b yarquegm vs cerrld mport you a deYrvganl or tam any adbn b colloolt the snout you glWlaL t Special Run for C" Card Pwndlesae win the qually of Wobei or hayourose prerw on" card and you have VW in Wool fan to coved Vs problem with tm ma "M YOU nay have the not ra I* pay the rMaanlllp ambient dm on aM Property or service. You ltevoVts prbiedI only, start the purchase Prke was mom than $50.00 sot to pumtl me mar all your home toss or within IOD mYee of your m @MV edorma (If ate owl or oPertle Vm mwbrabt, cif wo mated you the wwNarrwtfar Uw pmp ly W sw4m, a purrdm n Covered repardees d Wroua W bCODn of pu ha .) Plwe rwwMar to SW of camepadence. t Cow norappy b brsmam aocourKs Capital One supports kformotim Wei Protection. we cur vwbao at capital One s a federay rsgMwW oemw mark of caper Ore FlnvicW Corporation. All rolie reserved 02006 CepiW One Changing Address? Address ................................... Home Phone ......................................................... Alternate Phone ......................................................... 8027,02 E-mail Address.. Please print address or phone number changes above using blue or black Ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your GOP, statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • last but not least, be sure to write your 16-digit account number on your check. wNars In your wallet] 500010 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 fry check by phone service or speak to an associate by calling 1.800.955.6600. V 2(N)R Capital O r Sm?urs, hu. (,apital One is a fitlewly nyiarred.rendre mark. RQ n?hrs resumed. Previous eww" Payments & create CWGE Transactions; New BNana Minimum Payment, Due Date $1,674.09 - $0.00 * $32.29 * $95.27 = $1,801.65 $293.00 J Mar. 09, 2009 Jan. 13, 2009 - Feb. 11, 2009 Page 1 of 1 PLEASE PAY AT LW TNS AMOUM Visa Pl dmffn Account 4ta6EJSi4733 -M Your Account Information TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance CMWS (Passe see reverse for inportart idamation) Balerce rate Periodic Corresponding FINANCE aloes to rate APR CHAROE Purchases S1,6B7.38 0.063" D 23.15% $32.29 Cash $0.00 0.06342% D 23.15% $0.00 ANNIJ LL PERCENTAGE RATE applied thk penoik ?3.1596 At Your SwAce, -(bb miBbmirowyotrexcrt, or (let 14WX$-3Si7 b report a bettrebin cwd or qn* b OAbnar naYio s ® PayOnline et or muglour parretto 7872- V Oro Bats (LAW, N.A. - P.O. Bad 71063.Owbtb, NC 1083 A Sand Ingtarleslo: Cepau One, P.O. Box 30285 v Sd We Oyu Ur 84136M ® Have a gmealbn about ¦ charge on your ddm* l4 Please refer lo Me Bilig Rights Summary on the back of your statement or v W wwwgiapitakine.comildsputas Youte behind by three payments. But you can hriy your account current by paykg the minimum payment amount on your statement. If yWre, having fnancid dificulties and yo fre feeling overwhelmed - we wort to help. Give one of our assodates a cat at 1.800.955.6000. You'd be surprised what we can do together b work this out. PaSrmafts Credits d Adjustments Transacdone _ 1 06 FEB PAST DUE FEE $39.00 2 11 FEB PAYMENT PROTECTION 1a8-527-6904 $17.27 3 11 FEB OVERUMIT FEE FEB 11, 2008 839.00 unciar terms pra iously disclosed to you, some or all of your Arrmnl Pemenfatge Rates (APRs) have been naessea ante your meow t was past due mice in the past 12 bikg cycles. I your rates have drallOY m eased, subsequent da6n }randier extended the duration of the increased rates. Remember: If we mosme your mi irnun mm* payment on 6me for 12 corsisou" Wag ryclea, the accout Will ba reviewed for a possible reUxn b your NDn4ntroirctay APR. Your azourt has gone over its treat limit To avoid additional waimit fees, you should pay more than the Minimum Parmertt Pleesa pay enagh b tong your woo nt bellerce below your onrdt Imt immedaky, and make we your a =urt bake rem aims below your credit lmt Please be sure the avant you pay axoults for any fulue Purchases, fees, and inane charges. You wrens aseemed a peat due tee bemuse you mninum payment was not scarred by to due date. To avoid this fee in the fuhre, we recommend that you allow at bast 7 busiess days fa your minimun pe"ent to reach Capital Ore. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO V W W.CAPR"AIONE.CDM TO MAKE YOUR PAYMENT ONLINE. 1 4862362673373364 11 1801650050000293006 ?(?ze A=ount Number. 4862-3626-7337-3364 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. 09, 2009 $1,801.65 $293.00 a Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT © Moving? Change your address online or on the back. ® Help save the planet-Go paperless. #90D4304003134007# O Sign up at www,capitalone.com. JESSICA D MILLER 36 PIPELINE RD Capital One Bank (USA), N.A. 8027AAaf NEYVILLE, PA 17241-9759 /?f?fL Charlotte,1NC326272-1063 I'IIIIr IIIIJhlllrllhll'1II1111JbrJdhl'll'llllr6111r11"I IIII111-111-'11111-11.1111111rs 11111 Iii I1.1-I11i11"11111111-IIII Please make d*& payable to Capital One Bank (USA), NA. and mail with this mupon in the enclosed envelope. JESSICA D MILLER 1. How to Awl? a FWVICO CIWp. a.Oraoa Rarloa You wall have a mMirum grace pwlod of 25 Clara wltoW faarce ei - p on new piadwes, flew balance i amfwa. raw opwW pulchaaaa wW now Clow "go t you pay Your low New Beam'. h W=drrov Wan Via, krgorart Notice la paymarts below. am in era br itb be emmad by your pWmt due dab. Them Is no ptaoe pwW or cwh advance and specie kaneMa. In ddan, tan is no pace period on any oaraaution If you do not pay tic OW 'New Babn=." b. AWuIV Finance Chap. Tnraatlon wtlldt an not subjectb a Fax period are tailowd finance date t) from to doe dihetanaadMn or 2)tronl On den the Infaadbrl a prdcessd b yCWACcou I a 3) frbmthe mat sander Clay of to ourrat dap period AdatlDr . Iyou day net pay Ow'Tlew Beam" from11he Prwloua birg pwW In full, trance lopes Cortkaa W axon to your raped parse uni a the WVM baWm a pad In fWL lli rtarw tlnat You fray etlt Dare M1nrn Ww9m, wan ryou pay der wM New Balance awed an to fret d yaw slalarrMt y the Payment drew di. but dd not x sow T To "vioto math. a npaW Wanes Cn&W we WJIM bme aPPIMM epmart of your ACWJM c. aitlwmrh FYlerba Chap. For each pang period cot your account is waged to a aMn orwW, a matrrun bay FWME CHARGE of W50 WE be krpowea. J. Twraormy RxkxW e In Flltal= Carp L we reserve the right W lot wean any or al mace Charges fa any alven pang Palm. 2. Aimape Day Balance Brbtnlrp New Pwdnaww] Fkwm Map Ill WftM W y mapykp as day tin= or own aWartdyolrspxltt (@4. casn arNartc, purClree, apeeW trarafer, erW specs puchaa) yModeOrnddear tho i(s)dobad pnaoatiyrlYdosd bYOdAAttheanddeoach dq' dnrlrp der blip Prod, we apply der day WOW nw for swot vegnwa of your account be to dear bares dawn sagnWL Than alto era of the bQp paled era add up as Male or mea day caalaYora b aria 9Your pwbdC baneme, meana p -, Weaddtipto MKM Ian earn agl.Mtbanke 111MOM Perbdo Maned g WyourswcaaL lbgatoday traarice for ash aaphart d you accourL vw taw ao bepintrg babnceforeadrwilim atladdstyhawkawaosons anal any pwMft stance MW waKV Wes on In prwca day's oebfn tot tat wepraL Yf0 Clan sWast ay payments acraa p=ad as of OW day Uat we aapratd to VW sepne nt The Ow a me sepade daily beaan loo fan earn e t or yow mocouni. Ho ww, rya peal to New Baton stbwn on your prwMw Mwwt In Ice (or r Yon raw uWn=was Demo as oadt artooq, raw iraraimena,wraul pfatlD your purchase or spedal pnadaa wegrnerb n not did bto day baWbw. we fi'.LWe uw WM W daily behm or aaLg w the day baMeaw Wg*w and dkWYg tte sum by tw asrber of M drys h U* Cwrort trap yeb. To oeblltabyourtobl M- d", nappy your warp ally baton y ma day; '-roeassymanumWddepntoaang pwM DJeb rdllln*q on a day bssa adw to nnaanm fnerm dwpa aaaWnwL tan may be a Watwn= =ban MW Caafatlen end tla arr e" of fhwm otarge away asasad a Annual Peroafage Rala f/1PP4 a The brm "Annual Pormtep RaW mly appear es "APR" on to Wit or the Malartwt b, r to 000 P (kaaWy Prara), L (QUwby UBQIL), C (OaaMN CD'L or3 Bribed Pests) appears on to pat raw and comeepo dng ANY6ML PElWfrACE RATES hay very g *MV an RW tarsaae ddeaew wad on the salad h*M, a P"l n The WWI Slnel Journal. pas ho mV& Pnvkaaly tYCUad bYou. Thbe drew wa1 w sred)nonaatm der' dYar Drop period armed by your parbdC slwrnWt erift n to mar" of January, April. Joy aW Oob=r. c. If as coda D a bnaN Prknl F fMkthk LIBOR), cr O (TraMUy UBCR) appaaa an we mina a your sbrmsrn mad b the pWke& ri(e), to per- - rake and WRUMI hg ANNUAL. PERC ITA(E RATES nay wry morally am miry YoreaN or rlaoneaw woad on ins $aid adios, w fount n TheWall SUM Journal, ON tit mop PW eaedNaan uw 11M dw Of Your ;MV Ps*w eadr math. t. ANaenMt of tea, OYeltttnt anal Reamed PWnwt Feca LjrKWt a bma of YourC1AkXW epeamMrL M rmwveme fill to want or not to aessss ay Taw wither prior noHictbn to you wahoW wak'ap our rkfht to assess to Clan aeidMMS s a Wwa'ro. 5. Mwrbnatp FM ono FiwtewYp YOW ArrvtrnL r s mgm eaihp M oppeas on ate whilin rML wvAl Cad[ to fee r you nquM b clOW Your MCOM wOM 3D OP dta ffMM dung IlanrarL You my conDnue to ere the axara duet to 3D day PalW IMaeYou wgnreL t you d notpayYeln owed on DO account With In 00 days, a r you naa yell, eat oW or apeou i aner you mgaw to cbee, sy warp" fee pre wu* wdrd mar be r . . .byorexart a Cbap or Suapmaap Yo r/bMaL You nb Wit" #Wyouramount be closedyCaangorvimgour Cabmsr ReadMw Depannnert Atabtme of your MWOK we will provide ycuwl h aW11dW daaa an oleagYdur accwa. This may knkgb Paynna ardrtaW rYou ere yorroedt cwd orclarpaa postb youraccourt alleryw ask m b doss yonracourt. w ran kap ydraoxurt open m reopen L We my clean oraapWW You accoutand You riot to dbrn ONE we may do ma a new arm an for any reaad4 won ryou we riot n deft& A su pe nalon of Your scars an be pwmw wt or lame"Y. If Your apcout N Co"d or aapenclK you must slop rag Your crept Card aw Mount You no aiso cerfoel as peaWOn2d bait arrrgar" to the account. we we not tlo area KK You. r we clan or pity aaW W Your woo^ You mat Cleo daaoy err snot coda era soowut acoess dada. You rtwl ale pay at wrwb you ore a an to swat. wen If my was or" Clayyouracoart "s doad or eraperkld t. aaeadg Paymwaa Pay- you nay b a will bs ddasO b youracart ss Clue bnatesse dy ee rseke t prodded (1) you say ale boMm patlen dais staYrrMt am your cfiecK n the wafto mrffxm envelope an W ycurpaynwt is mnkd in our procaakg Carter by 3prn ET (12 roar PT). PM= allow at had rke (5) billift sdpe IN podd *&W. pWmwb reoefwd by a at any other lo=tion or in any cow form my not be aadbd n duo Char we recewe gam Our bnaaass days an MWMW thrpgh Q Ndbe About EbdMnb Chook Cwamabw. When you wwWe a dwell as pa'rrML you aworire a etw to w kaoma on from your ohs* to m" a orotrrre eacaone heN limaar from yaw depost acaout or to Prooas ihe por art m a dwdc tra WOWL when we use InfortMbn from Your dieck to malty at abcaaie fund aanaa, fwew mar bewil dawn from your dspoet acoo" asoonastesamedaywe rem' yourpal'nrrt,andyou wa nbt fscwe you Wwok bawk fm m yoolkvoM Irattdm Your atlgftraton a not Imsed by to dab on tha aleck. We may mouart wW eredfawaay wlpct ro umad po rmo le. 9. Bankr plry. If you am waled to bardniply probetoe for yaramount, tie carmatoabn Is only for aaDrm.tlDnal purpaes. t is mat n Wwrpt b colecl, sassa recovere debtaclam.DDrotseranewplin- decoybus wlhaW epakkpwtll your bonoupicy allomay or the Baiupay Cant t you vat b CDIYd us aoWA yaw accout orycur banknpcy proceedinq PMW have your atanay 00raaot W. tBILUNG RIGHTS SUMWRY to Oase of Errors OrGUNCOM aWA Yar Bs) r you think your cl Is wvbng, or K you road me* Information on a traaaclkin or aL was b us on a sepaab west m soon a possi la at to adores for h**W sham m tM hat dti NMWrWL we roust rarfromymi no WWI= to de's after vwawl Youtramburonwhichalawfaaprdblen appeared. You Cal Call our Cusdrar R*Wb* romper or nobly a by email or weWila, but ddrg sown not pneerve yourrtfha. In ydrMW. 00 a In* bibAep V&Mftft: your name, and aoCoiet nurbw, to daa artbat time WAPP*d SM. a dwrpbnof the afro and an atpMabn, If poesb?, or coy you baawetoo b an anon, or r you need mom kftmotion, a desdpWnor fn tern you am woes abod. You W not have to Pay ear rrourt in W"on Whoa va IM kwwtlWUp L but YOU as era odgid to pay to post of yourM tat n not In question. VAft m IwMlpi yourgawon, we Cwld report you as deigned or take new salon b collect the amours you Qwdiam t Spacial Rue for CMdt Card Pure ewss rYou have ap k)Wnwithtoquftdpmpatyorsomme thayou puctraed with a Drava Card and you hoe VW in good tam o cored tha problon war In Met" Yourrry have tic runtrottopryto mrON& Y ie"derontopropenya sen4m. You tavetha praerdion onlywhen M purdme price arm moss than SSD.DD and the purofrw ass madb in yar tbnrne wale awahn 100 rtass d your mearq ddrass. (K we awl or WOM the nardart, or Or we Masao you tw advadwadbrt the prop" orawAm, all purchim owerd reWNless of arrbut Of location or puarwe) Passe mnamnr to wpm all correspondence. t Dow not aqW to bus"M woo" Capital O= support ktfomailDn privacy pvtlectiDn. see Cur vwbasaat Yd' w Capra one b a faeray MO MWserf"roan or GWM On Fin, I Corporbn. Aa rWft mmvd. Q 2006 CmpIW Ora Changing Address? Address ....................................................... Home Phone Alternate Phone ........................................................................................... 8027442 E-mail Address ................................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ?4 statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • last but not least, be sure to write your 16-digit account number on your check. what's !n 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 fig check by phone service or speak to an associate by calling 1.800.955.6600. 0 2008 Capital O- Smtcea, hu. l.apital One i.r a ferlrml/y NXistered sendrr mark. ;111 ri#,,t mirrved FINANCE Previous OWN" Parrott; & Cris is Transaction New Balance Illirrmum Payment Due Date $1,801.65 - $106.27 + $30.99 * $56.47 = $1,782.84 $273.73 Apr. 06, 2009 Feb. 12, 2009 - Mar. 11, 20D9 Page 1 of 1 KM PAY AT ;W TM AMOM Visa Plallnu n Account Youlre behind by three payments. But you can bring your account current by payN the minimum 41162J6I4737 -M payment amount on your statement. If yahe having financial difficulties and you're feeling ovawlrelmed - Your Account Information we "'art to he. Give one of our associates a cal at 1.800.956.6600. You'd be surprised what we can do together b work this out. TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 Pa} mentI6 Credits & Adlusflneilb CREDIT LINE FOR CASH $1,500.00 1 20 FEB PAYMENT PROTECTION BEN`FI T PAYMENT $10627- AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for inport9rt Ftormation) Balance rate Periods Corresponding FlNANCE applied b rate APR CHARGE P=hases $1,744.97 0.083427E D 23.15% $30.99 Cash $D.00 0.0634296 D 23.15% $0.00 11A-t4MlAL PB4CENTuU3E RATE appaell Sl?7315% jj!h At Your Sanke - lowmgmAdanegirit to naepayour ? At or call; 14009043637biapatab5torsicadOr"*aCuewrsr rAmm ® PryOnline atwmiy mormeiltorpwrandb: =Ore Bae (1151x, NA • P.O.9x 71083 • Dfiabtb, NC X8272-1083 A Sand blqulda le: Capid Ore P.O. Bolt X25 • Set lake City, UT 84130-M ® Hive a question abort a charge on your afdKowt? Please refer to the BOM Rights Summary on is tack of your statement or visit wwwmipitalone.conVdispubas Transactions 2 09 MAR PAST DUE FEE $39.00 3 11 MAR PAYMENT PROTECTION 1.888-527-6904 $17.47 Under farms preaouslj• dsdcsed to you, same oral of yorr Ansel Pommitgge Rates (APRs) here been ncreased sots your account was pest due twice in the past 12 billing cycles, t you ratan here atieady increased, subsegent def luencies wtendad is duration of the increased rates. Rernember: If we receive your minimum monthly payment on time for 12 oorsuoulms tiling gclas, this account will be revimed fa a possible return to your NDn4ntmdtcbry APR. You amount has gone over its ce3t limit To avoid additional overir t few, you shnould fay more then the Minimum Payment. Please pay enough to brig your account balance below your oedit Imd immedia*, and melee sue you account balance remain below you credit init. Please be sue the amount you pay accents for any future puchww, fees, and foots charges. You were waned a past due fee because your milinum payment was not retailed by the due date. To avoid this fee in the f rt re, we recommad that you allow at bast 7 business days for you ninlmun payment to mach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO W W W.CAPHALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362673373364 11 1782840106270273735 '? ?'arJTte Account Number. 4862-3626-7337-3364 Due Date New Balance Minimum Payment Amount Enclosed (Apr. 06, 2009 $1,782.84 $273.73 MLk% PAY AT LFASr THIS AMOUNT #9007104003134008# JESSICA D MILLER 36 PIPELINE RD 8027"2 NEYVILLE, PA 17241-4754 YY I.61Iii rrL1111.1.11.Il-61.1111-IrlulJ.+.IllulJill lllh.loll Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. e Pay online anylimtino more checks, stamps or clutter. ® Moving? change your address online or on the back, e Help save the planet-Go paperless. O Sign up at www capitalone.com. Capital One Bank (LISA), N.A. P.O. Box 71083 Charlotte, NC 28272-1063 1111111-1113 -11111-11' III I I IIr.111111"11'1' I I I-11''11111111'1111 Please make dnedls payable to capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. JESSICA D MILLER 1. Hon to AvGd a FVWM C area. A MWM d Pwrtan epe Rales (APR} Carwera aNOUN Abort Ede ¦ Grarw Parbd. You wN have a M** Mm Wow period of a. The Mm "Annul Percentage Ran" my apPew w "APR' u 11utl a cido 0 PWMWt You ¦ yes preside When 25ays W*W finance dal on rrx per. raw on err non of this Nanmori infram ow" okbmowa • P yardw N lr bell twe fen. new special puivine w and now ' b, If the code, P (QUM" Amen L (QUM" LIBOIZL C 01wi W4 to low Or t d p ftm lecton10 4bw Bsionoo h otherelwn ryapyyorrblal (punbdy C0» or-3 Berereeru Prhnl app¦ers an Ile Il ' - wlion. o ipsymri adwo, a- Ink r ac we, yrt b CMWMwahtwalpogw Nodmforpovmwu a a n6*111he Perbe dtts Nalanenredbtlte ob*w nd ktumV«nrlbn on Flom check b Males ake an eeceaoC m yam below, and In 1M for k b W crsdted y your PaynrM new and C« wocriding AN*UAL PEPoCENTAM RATES win ao n frarn your dpo ac account a at ow be due dab. Thesis no pp Perks on GYh My- may very garwrb and may Y10rww«OeerwO bred own ay vio ly your ooto0anestar w M and d YOU n Y« r . nokltbn,thebngran r on(he,MlydkMn,rPond hTheWr MrWJvrrl, wf*WV Kfm n [ rorta acknom yaf ro poised on any ftsecdn r you do not pay rw WIN An the marl prwvbuey Afcbwtl to you Thaw ingdkMbrI. Yours l ydi err totr by/ r1etlY It not 0 Taw Bwlea:' R. Accruing Fkrrra Cherpw. T'rarowbors xtMeh are ml dlerpeswMto WoctNartofketdgdywfbrrp pwlod covered y Your; - Mahler, rip n ter rormka?y "wells ct rsan slumed Mock. We mery rwubrmt ild MR&M and eisci eoae snbjsctb t 7¦w Period era reweeed fkarm cirrpe 1) ma" of January, April, Jub and OMW.. B. Ben nippy If you ere Wow to DuMouploy praecdom for non the dohs of metrarexlbn or2)from no dale the e. If"code o qla" PMWL F (Nbrdhy LIBOR). «0 ar rl orty for kr yow co rmr reeMC a trenewa l Is processed to Your AcwuM «3) from to (Tfwrury LIBOR) appears on the IMrt of Your sWWmt M1004 OP Will PP to b Will ? h . t is net « owver ¦ roes In SMKW wP rest oe wdv dy of nor curnrt poll period. Additional ' " nerd to ter pwfodla rag(s), the perbdb rake and serid a eery payrmene tlrciy b a not w id Do ? IX av Tbw Bolero from Via provi" I you dial no pay tr owesp ndirp Al PERDENTAG? RATES MW vary cy etmney or Via ape" with Oa will epr bell pled In Due, We rice Margin Continue, to wane b m"* and nor Income or danww bred on the $am t W OM your b B? ?L It r you Spoke your urpad Qwlow cr tlw epald alerKe Is Pad in Irdlas, a bard In The Wd Sant Journal, Pan rte eft, PMhew y prWoeeedeg hoe y am °c0 Account or )? apbY fell This mere M you may dill ow flrrm chil mrpn pwllusy diecbwd to you Thew clrpr WIN a abniy contact we. sum ryou pay area Will Nov 8elu a Indicated on the ebetw on the rent dy, ol coal perw woh monde. front of Your alaertert by to payment due, dale,. but des W 4. Ammer! d Late, OVOWS and RMUmad Patera[ tBILLINDRIGHTSSAMARY 0rerpw no do wOforne pwbue mordl. Unpaid IN Fees. Underthe erne dyer awl«rrrIUM, rt, w YMl BIN (kiCwa Errors«Olw an addedbtlwapptaoe SeprnntdyOUrAaOOUnL reserve err rflyt b we" or not to wows ary fora wihur ri lc r9 You repo k MCyo rt fortrrtbn on loll is a rss k you a c. aNranrw Fbarm Charge. Forsach bell Period MW prat noNhalbn b you viNrt wwNhg o r ri9n b awwo s on a shre Boone or OIL over b us on a l wpere e r a ftwoMn your accorht Is edged b a Mom cape,. a mnnum ttesameor"ntarnesatalowsle. poll" att the w or e on the M of alr ? total Fill Cl of 110.50 WIN a Grill e,eborepaa pFoepored RnwrsI Yarrl"011Mr¦ W meenveyVomyti o W fnrWd dWyeabler YWm w d. Tor WM" RedaMn In FkM= Charges. Yh raw" nignibarsnpwe appeors on ter enbroM *0 W11 end[ the ea sty Me wig tlw ON b mir n or a 6N r to e mir tho rW b not wows any or all terra ehergoo for any fw r you requM to *w your wCCart Wal l3D *" or the y to by You *a an n oW al lalbn L l o or R e s nurnow or Oven coal period. 2. Areral Daa Solana (Irtanerg New PLdkrw]t areal dais Meta hart. You my caalnn to acne waart coop Vme 3D sty perlod belbre yaH request t you earl or w , bud A prow Your r n our In doing b ed wN rapt a FkWM creeps Y abAMM by mLlMIng ter dry do not pay d deal Good on rte acwurtWe" 90 dears, it your yore nteL . 00 t w name fOt the Me WWII OrT TO lbn: mr er WMt r Ure dol dSUapMg r«, a balrdodwahwp oIy9w?t(o&.c r «rYOUwya OnM rtl«reartdWyourgrerstto d..or anddentanonera¦nMrp OMpb poesbe,day ,r advrae, puclrea, epe0ial trrierar, era spaces puctrs) caw, atp' rtenberanp M prWousb wiledmy a you e o+otww rtor t yesreed ou nee crawi n a , you w by the o eepon" day Perloeo tale(s) Mal hw teen reYrleled boyplr axone. o.ot W s "M abort You m not We to i ar earn you ib d prsiiousy Mobil to you Al roe and or ern day dukg regLM t. CbOg « BLpeeMM YOrrAccowL You mir p ar ill ay .l r W while, ea an Np r, nu[ qr est In pill the tMNrp period, w poppy Via ay periodic role Pot each VW your taut be closed by ce" or Well ar ID our bo oel 1 yeuan>a oalpaled b pay to pare of your tW are no! In soil of of yw wcout to Ow dalb balm or Wh Customer ROWUN Deports" AS twtrheof Yco regtwL ty pal tan• W Ca 9? ? nt r saprrt Then alt o wd dlnw aerg poriod. ova odd up w YiN provide yW WM adcIIQW daleM pl CIOMIp Yam rmi Win any eatprl OM b Col iscl the wmWt You you r delinquent or dales any b des nerir dtww daly cabUaatlore b artNw alYoa swout This may, adatce pymrt kfa.0 ryes La ?? pwbrac Winnow cirrpsbrwr NoWin rt. We add up rte yotrm* cwd orOwgw poM b yam wmf t dWyou ask . rwsree From own"imet to Wrie atto bW PerbOC Lb 0100 Youraccoud. w an kW your eocant OPr« t Spacial lnr Crack Card Purchases M1Wae dtalpe for your w oounL To gM to ddy brume for MOW IL We, my cbsw Of suspend your¦ccwt and Your ryou l a problem were On "ft of property a MYba Swh eegrriet or YOM wwm w lake era bopkrtrg rtpt b ovialn - - We terry do ne d an/ Wro Nd foranY tut You pychased wan a waS card acrd you rrw Intl in good Rohe for were NQnr't era acid sty row trwowdom ri won, wr ryou ere not In dMaut Awpernlm of Your tarh b 49frwM errs probin win to nrwcrrlt you rrIVhoe roe ad wry Periodic *W= nlpo cocom on to probes account an be permanent or enporery. tYour account is er p snout din onto dw property or e ry ? b p day's almfo tlW coolest. YYw ten .01W any cbwd a ausprded, You matt slop Lip You crock card " pict haa ver c ris prM whr prig ter es services. Y ou ol 10^ ay payments «oatlr pocked r of rW day died an allocated wd aavunL You n* Woo as," all pwellgrind berg vivartd onl sere 36BADendthepNehew wwrmrbki your to M wpmrt This piss a tw sepwaw MY calve for wria9pnorr to ow womm we wall not M trial; for you. M ent or « adu'ww . (r we a g own a¦phen dyour aCaut HMWV, ryol PO rib we crow W permrrtly sLpera Your a-UK You-0 mww"grt v w msmyon the, rnwchert cree lalad y o Mara Nov Balae phom on your prwox sWwml In feral (o i ano dwty d ands are era 800ou t ardor cr CM You l 0,onl kcri tar propa « , rw the ¦d y all p yarns osence wr zero cra tract artn,rill, new suet sli Pay d e owls you ow a on raw account wr r Walibn co'MW Mies Of ob Iese rc IX loatlo pu hew.) rout Of trynactors. WW1 poolb yon purclrw«epeoiw trey wore stood deryar axouM is closed « rerrenber baipndcomwpaaeros pUwlree wgrnerw M not added lone day aWOOL WO sLperaed, . calua l me morale Oar alarm by adding d ere dear T. harp Payment. PymM you mesa b L Mil a awdlnd t LTMa not poppy to breAww axounr8 bolme bg*w and driip tw sun by to rrrber or byouraccwt r of to tsnkws day w nags t the dye In tw aurert harp cycle. To aloaateYour bel provided(1) you sand tie Wdo. Pages of tis Maemwt Horntrn prNary protoction: sty our C+Plaf On s taros chal mul Your serape, dear Maurice y the day Parbdil we std by the nMmrd dye an ter berg and your chow h be she10wd r",alrmwlwbpw std R) ET iled I 3 t is - i t b iam wealal perbSDuo b r"m m o dar brig«dL b mYwnun ma pm Your paymen n our process ng cen er y (12 nor PT) Peel all at WM INS (S)almis drys for igafitlM nrr trOre wrv m Cap 10he kill , aar kd rhnm charge awwanwe, two may be a varlaria . pooled dell Plynw* received received by L at any day W ft Mneen Fin ro CGrPpGralbn FleW .Allrl?r. 2ooe G peWOita Ld 0 aMwn tw cdculatorl and the wTPA of Marm claps babe «n any cover bm my not be proceed r stns wil araaeodl call w rR7Nw tom Our OAMN dys an Moray irvo gh SMuday, aecluip holtlya. _.__ _ _ Tr..da Changing Address? Address ............................................................... Home Phone ................. Alternate Phone ................. 8027442 E-mail Address.. Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure © we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Ca*;;7w. In your wallet] TAKE CONTROL OF YOUR CAPITAL ONE" 500011 ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. rd 2009 Capiral Oae. (irpir d On, is a frderally rygurrrrd rrnnti murk. All rigbri rrrrrvrd Previous Balance Paymen ts & Credits ? Transactions New Balance Minimum Payment Due Date $1,762.84 - $0.00 * $35.54 * $96.38 = $1,914.76 $366.73 May=06,2009 Mar. 12, 2009 - Apr. 11, 2009 Page 1 of 1 lfisa Platinum Amount 4 T33 4W Your Account Information TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 PLEASE PAY AT kEAST TH5 P/.10Urlr You're behind by four payment But you can still lxirg your amount current by paying the minimum payment arrant on your statement. Need helps Give us a cap at 1.870.955.5600. Well work together to find a soli ion. Payments Credits & AdiusbrAds Transactions 1 06 APR PAST DUE FEE S39.0D 2 11 APR PAYMENT PROTECTION 1A88527.8304 S18.38 3 11 APR OVERLIMIT FEE APR 11, 2009 539.00 ----------------- Finance Charges (Please see reverse fa important Ftormation) Balance rate Periodic Oorrespordirg FINANCE applied b rate APR CHARGE Puclases S1,8017.46 0.0534296 D 23.15% 535.54 Cash 50.00 0.0634296 D 23.15% 50.00 ANNUAL PERCENTAGE RATE applied this pallor! 73.13% Q At Your Servke-Gobib mwp WaxaK or CatVM90c54Wbrepotabetorsbincard or spodebCiAior tar 11911i0rn ® Pay Online at f or met Yen/ paprvt b. Cq?tel Oro Bank (USA), NA - P.G. Bo 71083.Owrboe. HC M272.1083 A Sall hufullrlas w: Captd Ore- P.O. Boa 3D2e5 - Sat [Eke oily, Ur 811380285 ® Have a quedlon shout a duM on your aatemert7 Please refer to the Biing Ri" Summary on the back of your statement or visit www.capitalxe.conJdiswtas Under terms previousy, disclosed to you, some or as of you Arcdat Percentage Rates (APRs) have been increased since you so=" was pest clue twice in the past 12 b ft fides. N your rates hove already increased, %twgeent defncluen ies extend the duration of the increased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive MIN cycle;, this account will be reviewed for a possible rehrn to your Pbn•lntroduday APR. Your account is 90 cloys post die and you Payment Protection coverage has been suspended As staled in you Payment Protection agreement, you coverege and monthly charge will be reinstated once your account is no longer 90 *a past die. You may still be *I* for bernefits b be paid to your accent for loss events dsscrbed in your Payment Prolecton agreement. Cap Slorebridge Benefit Serviow at 1.BSU7.8304 to see t you situation clualifies for benefits. Your account has gone aver is crack[ init. To avoid edMiond werimit fees, you should pay more than the Minimrn Payment Please pay ernoLgin b bring you account balance below your credit knit mmeofetey, and make sue you account balance remain below you credit knit. Presse be sue the amount you pay accounts for any We pichases, fees, and finance charges. You were assessed a past due fee because you mini mum payment was not received by De due dale. To avoid this, No in the We, we recommend that you slow, at least 7 bisri clays for you minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CA%rALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362673373364 11 1914760106270366734 Account Number. 4862-3626.7337-3364 Due Date New Balance Minimum Payment Amount Enclosed May. 06, 2009 $1,914.76 $366.73 PLEASE PAY AT LEAST THIS AMOUNT #9010204003134001# JESSICA D MILLER 36 PIPELINE RD 8027442 NEYVILLE, PA 17241-9754 -If 1dihlllnl.p..1.1.11.111111111.111111-hlglllghurlrlq Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. e Pay orline anylime-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 71063 Charlotte, NC 26272-1063 1IIIIII-ill--Illll-Ilrlllllll..Illlll--It.-1-III-1I--IIllllll-Itll Please make checks payable to capital One Bank (USA), N.A. and mail with this ooupon in the enclosed envelope. JESSICA D MILLER 1. HOW to MOM ¦ Fiance Charge. a.Oraee PWbd You W1 have a minWmm 9=0 period of 25 days without fiweee charge on new purchases, new bdum trasfsfere, new special purciwa and new pew Chargesryoupay, yarblm'NMadin i",in Wcordar" M the Irtporlant Notice for parmwta below, and in time for alb be credited by your payment due dale. There Is rep grape period m cash advances and special transfers. In Wdilbn, Uwe Is no grace period on any Mle clbn IT you do not pay all OW New BYra»" b. Accruing; Finance Charge. Transetbom which are not subjectb a Waco Period ate assessed ties" dwge 1) from the dale of the tranaWon or 2) from tip We the transaction is VQMIW b your Aaron a 3) from TM fast cdvdw day or the, cumart biAg period Addlbrwy, e you did rat pry the'Nw Bolnc r" from tee previous tilts period In mat fiveece aeWgas contlreN to acre b your unpaid ba erm etdi alp unpaid taweCe t pig In full This mean Nd you may elM eve Urance charges, wen IT you, pay t ho antis, Now Balance healed on the front of your stetmwt by the payment due dads, but did not do so forMp previous mouth. lapald *we" charges Was WdW b VW AWL-00 segrnsnt Of YM Account c. Morale a Fierce Cherpa Foreach tolling period thad your account b eultw to a finance charge, a rntniurn total FIHPNCE CFWROE of W50 WE be irpoeW. d. Temporary RMKOon In Finance OWgn We reserve the fight to not ass any or all AAnce ctwW%for any ghen paling period. 2. Average Day Balance Onludlg Now Purchase). Finance cage M oelo~ try n& Mig r* daily balarm of earn ngvAnt of yid account (e.g., clarl advance, purchase, special tranoW. and special plrchiss) by the WUSPorov day periodic raw*) rMt has town previously loosed bY= At the and of each dy deg ut ON pwW, we apply the day periodic rate for seen seW art of your accgunt to Ow dally palace or each sprwel. There a do red of the being period, we, add up the results of ape. day celcrtatlofe b arrive at yid periodic firm" charge ax each aeWhent We add up alp Rural from each wrest to arrive at the low Periodic rnaea dwge for y=acourt To gal Ow day balance for each aell ent ofyour account. weerathe toopy g bWrrce for each sWnwt and add any row transaetioro and any periodic Awls dwge calculated M the prevkae day's balance for that seWnwL We it= wMact any psyrnrts or credits podad a of Veit clay that are abated to that seWnsrt The give us rp separate dairy, belme0e for each "Wrest ay= output. HMWW, If you paid the Hew Burma fumn on your previous aapnwt In hid (or r your new't"we, was zero wa croull amount), row transxWns. Which pat eDyourpurcheav a epecw purchase, 08pre ts ale not added b the duty Wlarim We adaaate the average dolly bUmm by 6*" Me the daily balance tog*w and dvkfag tee sum by to renter of Ihe days in the cumant plant; cyct. To cal uW your total fore" change. MA* your werw dally balance try the dry periodic Rp and by the nuantpr or days in rp owg period. Due to nWplrg on a day bat or de, b mrmrkm faeaece dwge assessment, two may be a variance beMeere this calp/ation and to armour or finance car" aCW* allowed. 3. Annual Pemrtape Plain (APR). a The Wm "Annual Percoape Rala" may appeal as "APR' on urn fiat or th a steferrort may very quarterly and may MMW or dsorease based on low eramd sakes. is found In The Wall $UM Joemal. pap Ore,mugn Pravbwy disclosed to YW These charges well be effective on theW day of your U" period covered toy your peflodo ais~ am" hap monte of January. Apra, July and October. C. pap calk D Oeoraty Prime), F (Monthly UBO%or 0 (Treasury LIBOR) appears m the frort of your swenert read to the periodic ink(s). Uri pWbdic fades and oomespordap MMLAA. PERCENTAGE RATES rear vary Mor" and new ieaese or deaiae bow on the staid haloes. as found In The Wall Sped JM", pap are mrgn previously disclosed to your. These changes will be effective on Up fist day or yo b*V period each moril. 4. Assessment of Lab, OW" and Rettlnled PW" Fen. Under the lama of yom cwbmer aWeernsvir m reeve the fillet to wave or not to aloes any has WOW prior notification to YOU Without Wakig= right to assess the am orahaa M" a s New owl 4.MKr6a lip Feeran Rsw-0 pYoa Acarnt.ra rnv bw" he, appose, on this staBerrent v*vAll credit the In r you request 1D close Your sccout WOM 30 days age me" of tht slYUnni. You may CwWn* b uo Do avocunt ouag the 3D dry period before Your MP"L If you do not pay Y dafga aved ch this axaalt With in go days, or r you use your credit card or account saw you reguael to close, ay mmbWWtp fee pwbusy waked may be ra `*MO by= ac=t d Closing or SuepwNrg Your AooourL You nely request tat your account be dosed by cal" or witig our Carom sr Relations DepanrtwL At The time or your request we will provide you War additional details an closing your account rot may ibkade payment klonV&M ryou per your Us& card or charges Pmel to your account after you ask us to Clow y= account, vale can alp yid AOmmt open or reopen IL We may close o suspend your aco rt and your right to obtain crecil. We may do the at any ems and for ON nplam wen ryou are not In dORA Asuepensbn of your account an a permanent mrtemporeery. It your aeeourt is closed or suspagM, you met stop wag yW credit card ace avant You must aw cancel al PIN'tomzed btibg arrargafwaa to the acount We will not do this for yid r era Clow or pernww* suspend Your accost, you mum also destroy d eredil cards and account axes cracm You nut ad pay all amounts you ode us on the account, wen r they vi" chargedalter y= aeeaat la -low or ersPennd. T. MYdg Pelynanta. Pymera you mid tow wit be credited to your sec=t a of the business dy we recske R provided (1) you send the bottom papal of the Manor" and your check In On enclosed rerTO&M envelope ard Q) (12 noon PPS Plan allow *M five ? deMs by 3pm days f T paw. degvely. Payments reakW by a at any QUw Walbn or n any other form may not be cmdftd as or five dy, m receive Vtrtt W bermes days as, Mandy [tough a Notice Abel EM(nor1E Chadic Co welabn. When you provide a deck is Payment, You R&MUe w eltw to use Information fmmym check to mace a oiwtlne 616M M fund tWWW from WdBM*i ACCOW orb Process tree payment a a OVQK (n valwoon. When we use Intorm"M from your cheek to maim an electronic fund VW=ff funds my towoxkmvn from your deposal acme[ arr anon a rt sum dry era e"ke your Pymenl and you wit not retake your crack 6WK from your fMrow Instealon. Your awlortratlan Is not Merl by the dam ore the dock. We nay revubmi and elecoaaraN collect returreed paynnofo. 9. BrYOtpfry. If you are entitled to bankruptcy PrOW110na for your accost. this crrark niatlon a only for aaorrraafaal purposes. It Is not an attempt to collect, asses or recover a debt mr clam. Do not send Any payments dotty b es WROA speakaq Well) Your banluuplcy suarety or Up Bankruptcy OWL r you went to meted w M07A your aecaaa oryour bawdnpky proceeding, Piss have Your atonesy contact us. T91LUNG RIGHTS SLP~Y gn Cad of EMV or OJeapn s abqA Your 00) It you tterer your oil Is wrong, or If you reed more Information w a transaction or bit. drab us on a espantla asst as soon a poeeWe al the ad em for urquYW efeawn on the front or this surtnwt We nmm how from you no New awn OD days akr W ant you tho fist pN on witch alp emmr or problem Appeared. You can all our Cumorner Relations number or nobly a by errati a wrbeie, burl doig eowil not preserve your Vale. In your WWr, give us Vp folvaig intanalim: your name and accost Iarnter, the dolt amount art %W@Md error, a description sill error and an expansion, IT Paste. awry you believe there Is an error, or r you reed none i tmrnIRWt a description or ins kern you in enure about You do not two to pay any anblrnt m Question what wY are NNOKOrig It. IYA you are 30 obtipeod to pay to parts of your bas rev am not In greMbn. Wfale we inwmipae Your Question, we cmapt report you a derrgewt or tap any aAlmr b doted the arourt you 9x411011. t Special Rub for Credit Card Peeress If you hove a problem with the quo* or Properly or aemcat Ihayou puroraicl wile a omS card and you rave LrWJ in good fain to cored the "loan With M nwdwt. You arty have the rya rot to pay the mmoinag pipet due on the property or esyices. You have Mt protaian only wron the purchase price Wes more than $50.OD and the purchase was made, b yid reouha aa4 or within loo miles of your MWQ eddrses. (r m awe a operM themercrwt or awe rtWt' you the advertlnmwt fa to property orsnloa, a pucmeaes are covered regardtes of arocnt or location of purchase.) Please rerhemtsf b aqn l conespodence. t Dos nor app'y to busmss mrounrs W Capin Ons supports Information privacy protectiat: we webdleawAwc p1aIontm Capital on* t a fWway registered service Ihan of Caput Orw Rnanelal Corporation. All Via Mewed. 02Wa Capita One Changing Address? Address ................................. Home Phone., .......... .......... Alternate Phone ...................... 8027442 E-mail Address ....................................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure © we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • last but not least, be sure to write your 16-digit account number on your check. 5000 13 Cap IT'S TIME TO TAKE CONTROL OF what's In yourwalfet? 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 &M check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you all or pay the ar^ount due cn your statemeit by the cue care to a iminate the risk of berg charged off ;!7 2009 Grprrtl Une. Laplral Orin it a fedaod; rrgistered serriw mark. dU izdw r--rd. Previous Balance Payments & Credits FCFI ARRGEE Transactions New Balance Minimum Payment Due Date $2,029.68 - $0.00 + $40.46 * $78.00 = $2,148.14 $562.73 Jul. O6, 2009 May. 12, 2009 - Jun. 11, 2009 Page 1 of 1 Yna Platinum Account 4K2-X 6733 -M Your Account Information TOTAL CREDIT LINE $1,500.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important Wi atiort) Balance rate Pentode Carespari g FINANCE applied b rate APR CHARGE Purchases SZ,057.93 0.0634291 D 23.15% 540.46 Cash 90.00 0.06342% D 23.15% 50.00 ANNUAL PERCENTAGE RATE appled this perbrt 23.15% O At Your Service- Gobaww.c?trtre.arnbneiepyour w=K our C411: 1-M90 Mbniabetor*McrdorapedcbQntxner r*bbD e ® Pay online at imm.coodabracpm or mal pr payment b: Q?d One Bards (USA), N.A. • P. 0. Bic 71M • Chrl NC a -1093 A send inquiries to: Cgetel Orrr P.O. Box 3? • Sat like Qty, In 9413402&5 ® Have a question abort a rdnrge on your statement? Please refer b the Billing Rob Sunmary on the back of your state rient or visit www.caoifebra.corrddwutes You're behind by six payments. If we charge off yore account due to late or missed payments, finance charges will oordiwe to accrue. Act now to prevent this from happening. Please pay the rn rNmum payment amount on you statement or gi v w a call at 1.600.955.6S00. We're here to help. Take conlrN of you credit with Capital Ore "Irrportast Ni (Jrder the terms we previously disclosed to you, your account is now eligible for an Increase in Annul Percenttge Rates (APRs) effectIve mmedakly. However, Capital One has elected not to raise you APRs at this Erne. Please be advised that iyou fat to keep your account in good standing, COW One reserves hone right to raise you APRs in be future. Finmerb, Credits & Adlusbnenfs 05 JJN PAST DUE FEE 11 JJN OVERLINIT FEE JU411, 22009 539.00 539.00 Your account is 9D days pest due and you Payrnert Protection coverage has been suspended As stated in you Payment Protection agreement, your oavmW and mouthy charge wit be reistaled ace you amount is no burger 90 days past der. You may ad be efgble fa benefits to be paid to your account for loss eie is describe el It your payment Protection agreement. Call Sbrxbrgge Benefit Services at 1 u27.W4 to see if you situation qualifies for benefibi. You account has gone aver its crack init. To avoid aditio al overlinit fees, you should pay more than the Awn Peymertt. Please pay enw3h to big your aocoutt belence bebw your credit limit immedali and make sue your account balanx remains below your credit init. Plow be sue the amount you pay accounts fa any future purchases, fees, and fnarice charges. You were assessed a past dine fee because you mninum payment was not received by the due date. To avoid this fee it the We, we recommend Mal you allow at I@st 7 b sirness days for your r inmurn payment to read, Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LAG ON TO W W W.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362673373364 11 2148140106270562737 Account Number. 4862-3626-7337-3364 Due Date New Balance Minimum Payment Amount Enclosed CJul. 06, 2009 $2,148.14 $562.73 PLEASE PAY AT LEAST THIS AMDUNT N9016304003134003ff JESSICA ) MILLER 3a PIPELINE RD 8027YwY2 NEYVILLE, PA 17241-9759 r?lgl.lr-u?lllllbllulr,lr?-IrllHl-n,-?HrIIInPrlul-h Lend a hand. Save the land. Manage your account online today- irs fast, easy and secure. Pay online anytime-no more checks, stamps or clutter. ® Moving? Change your address online or on the hack. ® Help save the planet-Go paperless. © Sign up at www capitalone.com. Capital Ona Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 lllllll-ill-vlllllvll?lllllllvvlllllly-Il-lrlllrll-rlllllld-1111 Please make diodes payable to Capital One Bank (USN, NA. and mall with this coupon in the enclosed envelope. JESSICA D MILLER 1. Flow to Av= a Fhnw Charge. ..Or. PW" You WIN have a mairrom grace period r 25 dyer watexl Ounce charge, on new Purchases, now balance tramfers. row special purchases and new other v'wW r you pay yawtM Tlew Salome'. In aaordar" War, ae import" Nalce for payrnwas WIM, and No am for It to be creded by your paymn due dent. There is no grace period on can advarose and speCW trawlers. In addWm. there is no grace period on ay MINIMUM or you 60 not pay VW Wital "M Balance." o. Accruing Finance Chrp. mroacfiou which are not subject b a grace period the aeseeed Marie charge 1) IM111 the data of the Var"Ch011 r 2) from the data the transaction Is promeed to your Accout or 3) from the that calendar day of ax current Daunt period. Adc d"*, r you dW not pig the 1410W Balance' from the previous hileg pefbd h hat, Mme charges Crnktx to accrue b your unpaW balance eels! the upon balance x pall on full This asap that you may M owe M1rnce threes. wen if you pay the en re New Sahara, Indicated on the Fran of your *Awn t by as Payment due do*. Pull did not do sofraa previous mirth. Unpatd M1knce charges an added to Ow appaoaofe eegmwt of your Accwt c. !Haan Phrase ClhaW. Frsech Dane period art your socwd is srgect b a Maria three. a miimu n bur RVME CWJkW of SD.501 we W imposed. d. Temporary Ro&"m In Firarra ClWgn. We reserve tie right to not awe any or AN Ounce charges for any bill Wood. Padreea 2. Average D* Balance pr *ft New Fkaroe charge Is Mbhubmd by ant *N ale day Warrw reach eegmnt Of your axwn (a g., Can advance, purchase, specW transfer, aed specal purchm) y as oorrmpondkg day Moo* ram(s) that ha been prmtdxy disclosed to you Alas and r weh dry dull the bang wood. we apply the deb Prtb& ran for each segmnl ryou account to era dally balance or ouch Segment. Then at the and of the bill cared, m add up the moub of Owe defy aleultWo b arrive at your periodic Manor Marge for own scenet. We add 1'p she "As from own "gore" to 004 at #* octal WOW MUM charge For your accoWl To got to day balance rr each aegrrort of your WOW* We tam the Dwgieinp bearwerreachaegmu andaddanyrowtruwac*m am any PenoWC *Mnm carge CakWaed on ae Pnwan dyS betrurn for tot segrrxrt We gin wiWad ay perverts rerWb pooled m d sat ray that the allocated to ape wgnant This ekes m die separent daily bWncefr each fegoart or your steam However, ryou paid the Nov Sallow" Wmn on your pow" Moment in fa (r a you now Wane sea zero cra credit arourt), new lramew", Wool Patbyour purchase or •pvcal Pt Chase MWMU am not added bar dty Werices. We calculate the sewage wry Dow" oy aWrl IN the wy, baWKN togther and dkdng as wdnn toy the nurrbw of tro days h tw current babe eyes. To eakrtab you bat remade charge, "Jm* your mwpe hay bents by the way Pwwk rte and by the nrmter of day* In as boiling period. Due to rouvit on a wry bmb or as to meunun tome charge meewmont. two may W a varlnee be~ this calolation and the ariout of Maria charger acaey aened. Changing Address? Address ................ Home Phone ................ Alternate Phone ........................................................ 8027442 E-mail Address ......................................................... A Antral Panerdage Ruse (AP% a The Mm "Annual percentage R&W' my appear as "APR' o t gefrrd or ties slWmanL D. ran code P (OWlwy PMWX L (QM" UIPORa C (Ouff" M. w 3 awilocard Pmt) appears on the Pont of tree rtrrwk nod to the priodc M"N to prbdie rtes and cwraprding ANNUAL PERODUAGE RATES may vary Wei" and may haeaae or decrease based on gee haled tdloes, as found h The Wall Street Joust, Pre rw rtargin Pmiouely ddowd 10 You. Trace chutes seal be alied" m the fast day of you bail Period Covered W yak prbdo stuairrwt ouft In to rim" of JaWW. April, July and 00". C. age cow D O AV" Prkhe), F (Monthly LIBOR), or a (Trsauy UBOR) appeare on the fret of your statement mod to the pWb* rant(s), the wrbdl0 room and oorraporo" ANNUAL PERCENTAGE RATES may vary rig" am may kylow or dp"M Dated do the anted h2 m, n foul In The Wok Sorel Johwhat pill Ire mug n previously dooclowd b you. Them clwlm wt be all on the MR day orW Will prod each mhth. 4. Amaaennt of Lam, OMM and Retained poomet Feet. lhdr the Wrra d you aebnrr agreorart, m M"" DW right to wive or not to math any few without prior notricaaan to you without wekkl our right to Resew the e11x or skrar %a at a later bhe. S. MmOwtrp Fee and ReMahg Your ALCGurht If a numberehlp(ee appeare on sit ltdWr*K V* VAN credit the fee 9you requetb cbwyor Amount wool 30 days of the many or this eWenrenL You may CMWVA b vow 00 account aril the 30 dy Period before your NNW. if you w not pay all threes awd on this account won in 90 days, or r you use your erode card or aeoaat tntr you MWW to Clow, any number" fee prmkouty, waived may be rekwUM toyor amoul It Closeg r MNPKNW Your llooout. You now nq i t that your account be closed toy cart or wail our Cutrrw Rdaaors Deprtrrmt. At the am r your rtquml sea wt pnovka you watt add U W want on cloatrig your APOWIL This may kxkM payment YYrrr idat or you use you credit cad or carpet pat to year account star you ask w to doe youaccout, sea an Keep you amount open or reopen L Ww may close or rrperhd you ACWA and your tight to obtain aw& We may w this at any aim and foray MMM even r you re not 100" Aaespnsion or your account can se permanent or temporary. If you account Is closed or ausptn ed, you must top sett you credit card and account You met abd ca noel all preal zW bite a11a gerrwts to the account We yea not setup, for you. f V", doe or prmhrw* KSWW your accost, you mhut abo destroy all credal code and aeon nt access ehecb. You met ale pro' d averts you vet a on the anou t, an a t1W WaretlWged afar your ace Mbcluedr expanded. 7. Mahon Peyrnerha. Pymera you mad to us WIN be credited to you Wcout w me buskers day we rawke L provided (t)you land the bouom Portion rdis Weaftert am you cneck in the crossed rrrow" envelope, and R) your Payment is received In our proceisi g center by 3pm ET (12 noon PT). PWw akow t bur five (5) "Incas days, for Patel delivery. Peynshn? received by up at arm other location or In any etW forth may not be cs0aed as or the dry iw reCwke them Our Duelrons dyer are Mordy duoug h StudaY. ekekrdag no!tlay . -----.. _....------- Please print address or phone number changes above using blue or black ink. A Neflee About Flactfplk Cheek Crorebn. When you prorate a cwdk a loymnt you aWraize M ether to me k#xmoton fromyou check to make a oro41I electronic fund ftww from yardepoer Wool" or to prvcas the payment m a cheat transaction. when we use frtarroWn from your Mock to moo an electronic fund traifr, fumes may bewrhrawn frrn your deposer a=" as soon as tlo ssm day sea M a ins your paynek, and you WE not male your Cheek DICK from your financial Institution, You aWq MWM b not anaed by the data on the check. We may rewarra and ebcnnoro cay cdbct rwrrod payments. 9. Bankruptcy. of you We enured to raricuplcy foroleelbhe for you account aaa camlu lotion is ohiy for irlwinolv of pupoeas. it b not an attack to co§W, Names or rtcoyr a debt or clam Do not sod any Payments dw*M bus wBbul speaking with your bankruptcy AWW or the Bankruptcy Cart r you Want W COWACt W aD%K yak Account or youberampby p=4ddal, PWW have you attorney contactuo, tBIU1NG RIGHTS SUkfiNRY tin Caw of Enos r QAW" aoa your Barg or you maw your al is morg, or If you need rnorroi, Information on a trmactlon or bit Wrlb to os an a aeptam ergot m soon m pop" at the alkaeee forirpWbe wow on the front of tis statement. We mat her Iran you rig trier tun 00 drys aver pea w %you tle tat bah m Wtdch the error r protMrn appeared. You an all our Cwtmur ROW" mrror or hotly ue by Trot or webool but drip m will not pwerve your fights. In You per. give a the bloat information : you name am account horn r, the ddW WrIP" Of tle nnepecntd error, a kle1101" ndae 01101' and an wplnrbn, r powtM, o(N" you believe son s an WW. a t you need more wnormaPl a deeaiplbn or the kern you an uoue about You do not have o pay any arnwn In gawlgn what use are kw"Wabl K, out you are alt obllgued to pay the pals of your bay tlut we not In question. Whts we Imvwapte your guwm we cannot report you as dWk%Wt or Diu any mcdah to, cooled the arrourot you geetiol. t SpecW Rum br Cued Card Purchases r you have a prvblan with the quality or properly or vervae lht you purelased Wih a MA CON and you have tried In gDod 041h to correct the p of lean Wth u* mwcran, you my have to mgt rot to pay ale remakil Irnbwn d0 on the Propry r avow. You heve this protection 0* when the PurMaw price sea rtwe than $50.00 and the wrchwer wan made in yak hoar sate or within 100 rates of your mdkt addew (K we am or operale the morcrord. V awe ended you the ao rWmwt for the prop" r sovkos, d PrdWes the covered regan2m of amount or ioctbrh of purchim) Pleme ra arnr, o sign at com eepondence. t Dow not so* to buahwe aocounn Caput one skppab kirmalbm privacy Pin: we our vwade al b Caput one b a ftdray, regWWW vary" men; d Capta Ole Finance! Corporation. All mghm 1'w rved.02005 Caput Qua Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your 0661- statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • last but not least, be sure to write your 16-digit account number on your check. N00000032373051-AO49_20091216-20090713-stmt.txt 1CYCLE k 11 CAPITAL ONE CYCLE FACSIMILE REPORT 06/12/2009 - 07/11/2009 PAGE 1188 ACCT-ID: 02673373364 CARDM 4862362673373364 STMT-TYPE: ENGLISH REWARDS: N FEE-FOR-BALANCE: N PREV-BAL: 12,148.14 PAYMENT&CREDITS: $0.00 FINANCE CHRGS: $41.40 TRANSACTIONS: $39.00 NEW-BALANCE: $2 228.54 MINIMUM PAYMENT: $664.73 LATE FEE: $39.00 DUE-DATE: 08052009 CREDIT-LIMIT: ISM CREDIT-AVL: 0.00 CASH-LIMIT: 1500 CASH-AVL: 0.00 OVERALL-APR: 23.150 TPC : VP HOLD: 000 CLOSE-DATE: 006: N MISS-ADDR: N WATCH: WO CRDT-REV: PO OL: 05 PD: 07 CTC IND: INS: 511 PC: 0000000001 ARCH: N REASON: 00 HAROCOPY: 04 NEW: N EBPP: N SERVICE-OWNER: 000011 SAC-PGM: CLOSE: CHARGED-OFF: XFER: FRAUD: BK-HOLD: N BANKRUPTCY: N CHARGEOFF: N LEGAL: N FRAUD: N TRANSFER: N CTC-CHG-IND: PROBE-IDS: LINE: DELO: OVLM: AUTH: REIS: PROD: PRIG: USR1: USR2: USR3: MESSAGE-IDS: PAST-DUE: INSURANCE: TRIAD M1: R0002 TRIAD M2: TRIAD M3: XFR: TEAL C/I BALANCE AMOUNT RATE CORR APR FINANCE CHARGE IESSICA D MILLER Purchases 0001 01 2,175.82 00.0634200 0023.150000000 41.40 38 PIPELINE RD Cash 0002 01 0.00 00.0634200 0023.150000000 0.00 NEWVILLE PA 17241975938 US TRANSACTION DATA TRADATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/O FC CARD NUMBER 07062009 PAST DUE FEE 39.00 07062009 D -N4862362673373364- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Page 1 8027442 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities, that he is an attorney for the Plaintiff herein and makes this Verification based upon the facts as supplied to him by the Plaintiff because the Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within the time allowed for the filing of this pleading; and that the facts and circumstances set forth in this pleading, are true and correct to the best of his knowledge, information and belief. Sarah E. Ehasz, Esquire CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Second Amended Complaint has been served by U.S. Mail, Postage Pre-Paid, on day of 2011 upon the following: Nancy Datres, Esquire MidPenn Legal Services 213-A NORTH FRONT ST HARRISBURG, PA 17101 By: Sarah E. Ehasz, Esquire 0 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTS COMMONWEALTH OF PENNSYLVANIA rn =? -< -0ri ra :?Ti C3 C) I CAPITAL ONE BANK (USA) NA, - ? § Plaintiff c ;+ ' - CIVIL ACTION - LAW J JESSICA D. MILLER, Defendant DOCKET NO. 10-3035 Civil Term PRELIMINARY OBJECTIONS TO PLAINTIFF'S SECOND AMENDED COMPLAINT Defendant Jessica D. Miller, by and through her counsel Nancy L . Datres of MidPenn Legal Services, hereby files these preliminary objections to Plaintiffs Amended Complaint and avers the following in support thereof: I. MOTION TO STRIKE/FAILURE OF PLEADING TO CONFORM TO LAW OR RULE OF COURT - IMPROPER VERIFICATION 1. Pennsylvania Rules of Civil Procedure require that "Every pleading containing an averment of fact not appearing of record in the action or containing a denial of fact shall state that the averment or denial is true upon the signer's personal knowledge or information and belief and shall be verified." Pa. R.C.P. No. 1024(a). 2. Rule 1024 (c) states the verification shall be made by one or more of the parties unless all of the parties: (1) lack sufficient knowledge or information; or, (2) are outside the jurisdiction and the verification of none of them can be obtained within the time allowed for filing the pleading. Pa. R.C.P. No. 1024(c) (emphasis added). 3. Pa. R.C.P. 1002 states explicitly that "[a]ny act other than verification required or authorized by this chapter [Civil Actions] to be done by a party may be done by the party's attorney." Pa. R.C.P. 1002 (emphasis added). 4. The verification requirement of the Civil Rules is not waivable, and is necessary to make a pleading something more than mere narration. Atlantic Credit & Finance Inc. v. Giuliana, 829 A.2d 340, 344 (Pa. Super. 2003). 5. Here, in the second amended complaint filed by Plaintiff, the attorney for the Plaintiff signed the Verification. A copy of said verification is attached hereto and incorporated herein as Exhibit "A". 6. Moreover, in the Verification which is made subject to the penalties of 18 Pa. C.S. §4904, the attorney for Plaintiff avers the following: [T]he Plaintiff is outside the jurisdiction of the court and the Plaintiffs Verification cannot be obtained within the time allowed for the filing of this pleading ... 7. Said averment appears disingenuous given the fact that both the original complaint, filed over a year ago in February 2010, and the first amended complaint filed in November 2010 have attached to each, verifications signed by individuals identifying themselves as authorized agents of the Plaintiff. 8. Specifically, the verification attached to the original complaint is signed by a Jamie Williams. Ms. Williams avers subject to the penalties of 18 Pa. C.S. §4904 that she is an "authorized agent for Capital One Bank (USA), N.A." A copy of said verification is attached hereto and incorporated herein as Exhibit "B". 9. Thereafter, the verification attached to the first amended complaint is signed by a Beverley B. Began. Ms. Began avers subject to the penalties of 18 Pa. C.S. §4904 that she is an "authorized agent for Capital One Bank (USA), N.A." A copy of said verification is attached hereto and incorporated herein as Exhibit "C". 10. Clearly, in the original complaint and the first amended complaint, Plaintiff was able to obtain a verification signed by individuals who verified under penalty of law to be "an authorized agent of Capital One Bank (USA), N.A.", the Plaintiff. 11. As such, not only does the verification signed by Plaintiff s attorney violate Rules 1002 and 1024(a), the averments made under penalty of law by the attorney as to Plaintiff being outside the jurisdiction and Plaintiff's signature cannot be obtained within the time needed to file appear disingenuous given the prior verifications. WHEREFORE, the Defendant respectfully requests this Honorable Court to sustain her preliminary objection as to the improper verification and dismiss the second amended complaint with prejudice. Respectfully submitted, MIDPFNN LEGAL SERVICES 2 ll BY: 4es? " L, ? Date . I-eme Ct. ID o. 203226 Mi dPenn Legal Services, Inc. 213-A North Front Street Harrisburg, PA 17101 (717) 232-0581, ext. 2107 Attorney for Defendant VERWICATION The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities, that l.ie is an attorney for the Plaintiff herein and makes this Verification based upon the facts as supplied to him by the Plaintiff because the Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within the time allowed for the filing of this pleading; and that the facts and circumstances set forth in this pleading. are true and correct to the best of his knowledge, information and belief. Sarah E. Ehasz, Esquire Exhibi PROTHONOTARY CUMBERLAND CO CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JESSICA D MILLER 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 elief. Dated; Q?4Jami illiams A049 WELTMAN, WEINBERG & REIS CO., L.P.A. Exhibit C VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C. S. 4904 relating to unsworn falsifications to-authorities, that he/she is ti {NA -) of e? 4&n - N plaintiff herein. that TITLE (CO PANS he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Amended Complaint are true and correct to the best of his/her knowledge, information and belief. (SIGNATUR 4862362673373364 Y + r CERTIFICATE OF SERVICE The undersigned certifies that on the date listed below she served a true and correct copy of the within Preliminary Objections upon the individual below by first class mail, postage prepaid, which service satisfies the requirements of Pa. R.C.P. No. 440: Sarah E. Ehasz, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Date: 4 L I (I Respectfully submitted, MIDPENN LEGAL SERVICES 'L' 6?tJ '/'V1 L 0-?" F Da es, Esq. ourt ID 203226 egal Services 213-A North Front Street Harrisburg, PA 17101 (717) 232-0581 x 2107 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), N.A. Plaintiff No. 10-3035 VS. PRAECIPE FOR SUBSTITUTION OF VERIFICATION TO SECOND AMENDED COMPLAINT JESSICA D. MILLER Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Sarah E. Ehasz, Esquire PA I.D. #86469 WELTMAN, WEINBERG L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 & REIS CO., WWR#8027442 C:: ? r-rl Co i *'t X::o cn 70M y? .-^ya C.,J C IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), N.A. Plaintiff VS. Civil Action No.10-3035 JESSICA D. MILLER, Defendant PRAECIPE FOR SUBSTITUTION OF VERIFICATION TO SECOND AMENDED COMPLAINT TO THE PROTHONOTARY: At the request of the undersigned attorney for the plaintiff, you are directed to substitute the verification in the Plaintiff's Second Amended Complaint in the above captioned matter. WELTMAN, WEINBERG & REIS CO., L.P.A. By: t?f Sar?hh E. Ehasz, Esquire PA I.D. #86469 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that he sh is CA UA V)Or- i 7 P-'a (Name) C?C`aP?l of OD 4 15 A r} , A plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Second Amended Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. (Signature) Jessica D Miller Account Number: 4862362673373364 WWR Number: 8027442 CERTIFICATE OF SERVICE The undersigned certifies that a true and correct copy of the withi Plaintiff s Substitution for Verification to Second Amended Complaint was mailed on the ? day of 2011 by United States first class mail, postage pre-paid, addressed as follows: Nancy Datres, Esquire MidPenn Legal Services 213-A North Front Street Harrisburg, PA 17101 Weltman, Weinberg & Reis Co., L.P.A. Sarah E. Ehasz, Esquire IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA CAPITAL ONE BANK (USA) NA, Plaintiff V. CIVIL ACTION - LAW JESSICA D. MILLER, rn - Defendant DOCKET NO. 10-3035 Civil Tern i -? -i CD PRAECIPE TO WITHDRAW PRELIMINARY OBJECTIONS C7 A ?yc- ca Y?, TO THE PROTHONOTARY: Kindly withdraw the Preliminary Objections filed by Defendant Jessica D. Miller on May 2, 2011, in the above-captioned matter. Respectfully submitted, MIDPENN LEGAL SERVICES Date: l - /,/,/I BY: //.,. L. J Nancy/ Datres, Esq. PA Attorney ID: 203226 MidPenn Legal Services 213-A N. Front St. Harrisburg, PA 17110 (717) 232-0581 x 2107 Attorney for Defendant K PROOF OF SERVICE The undersigned hereby certifies that on the date below, she served a true and correct copy of the herein Praecipe by regular first-class mail, postage pre-paid, addressed to: Sarah E. Ehasz, Esq. Weltman, Weinberg & Reis Co. 1400 Koppers Building 436 Seventh Ave. Pittsburgh, PA 15219 Respectfully Submitted, MIDPENN LEGAL SERVICES Date: G q w. 11 BY: su';' t Z_ Nancy L. Datres, Esq PA Attorney ID: 203226 MidPenn Legal Services 213-A N. Front St. Harrisburg, PA 17110 (717) 232-0581 x 2107 Attorney for Defendant J IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA CAPITAL ONE BANK (USA) NA, o rnm r Plaintiff ; :XM r' C r -- rnr -0m te ..? 2> - 73c) a I V. CIVIL ACTION - LAW to ° JESSICA D. MILLER ; * c7 ?M = N CDC) , Defendant DOCKET NO. 10-3035 Civil Term DEFENDANT'S ANSWER TO PLAINTIFF'S AMENDED COMPLAINT 1. Admitted. 2. Admitted. 3. Denied. After reasonable investigation, Defendant is without sufficient knowledge to admit or deny whether Plaintiff is engaged in business activities that fall outside the ambit of Pennsylvania statute 15 Pa. C.S.A. §4122, and therefore the averment is denied, and strict proof thereof is demanded at trial. 4. This is a procedural statement to which no response is required. 5. Denied. After reasonable investigation, Defendant is without sufficient knowledge or information to form a belief as to whether Plaintiff made an offer to Defendant through the United States mail to open a credit card with the account number ending in "3364", and strict proof thereof is demanded at trial. After reasonable investigation, Defendant is without sufficient knowledge or information to form a belief as to whether the copy of a generic credit card agreement appended to Plaintiff's amendcd complaint as "Exhibit 1" is in fact the terms and conditions applicable to any credit card account the Defendant may or may not have had with the Plaintiff, and strict proof thereof is demanded at trial. 6. Denied. After reasonable investigation, Defendant lacks sufficient knowledge or information to form a belief as to the whether she used the account at issue on or about August 26, 2006, and also lacks sufficient knowledge and information to form a belief as to whether any such use would or would not constitute legal acceptance of unilaterally prescribed terms and conditions, and strict proof thereof is demanded at trial. 7. Denied. After reasonable investigation, Defendant lacks sufficient knowledge or information to form a belief as to the whether she used or "continued to use" the account at issue for the purchase of goods, merchandise, services and cash advances, and strict proof thereof is demanded at trial. 8. Denied. After reasonable investigation, Defendant lacks sufficient knowledge or information to form a belief as to the whether the Plaintiff in fact sent the Defendant monthly billing statements and whether the statements appended to Plaintiff's amended complaint were sent by Plaintiff to Defendant and whether said appended statements are in fact true and correct, and strict proof thereof is demanded at trial. 9. This is a conclusion of fact and or law to which no response is required. To the extent a response is required, after reasonable investigation, Defendant is without sufficient knowledge or information to form a belief as to whether any benefit as that term is defined by law was or was not conferred upon her, and strict proof thereof is demanded at trial. 10. Denied. After reasonable investigation, Defendants is without sufficient knowledge or information to form a belief as to whether she made periodic payments on the account at issue and as to whether she made a payment on the account at issue on November 12, 2008, and strict proof thereof is demanded at trial. 2 11. This is a conclusion of fact and law to which no response is required. To the extent a response is required, it is denied that the Defendant improperly retained any benefits that may or may not have been conferred upon her, and strict proof thereof is demanded at trial. 12. This is a conclusion of fact to which no response is required. To the extent a response is required, it is denied the Defendant "paid off' any outstanding balance on the account at issue on or about December 5, 2007, and strict proof thereof is demanded at trial. 13. This is a conclusion of fact to which no response is required. To the extent a response is required, it is denied that $1,038.96 is a true and correct calculation of the difference between charges and payments made on the account at issue, and strict proof thereof is demanded at trial. WHEREFORE, the Defendant respectfully requests the Court to dismiss Plaintiff's amended complaint with prejudice or, in the alternative, enter judgment for the Defendant and against the Plaintiff. Respectfully Submitted, MIDPENN LEGAL SERVICES Date: -7+11 Jew Nk. W Nancy'-Datres, Esq. Supreme Court ID # 203226 213-A North Front Street Harrisburg, PA 17101 Telephone: 717-232-0581, x 2107 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA CAPITAL ONE BANK (USA) NA, : Plaintiff V. JESSICA D. MILLER, Defendant CIVIL ACTION - LAW DOCKET NO. 10-3035 Civil Term VERIFICATION The undersigned hereby verifies that the statements made in this document are based upon the undersigned's communications with the Defendant and that the information the Defendant provided to the undersigned is true and correct to the best of the Defendant's knowledge, information and belief. The Defendant as well as the undersigned understands that false statements herein are made subject to the penalties of 18 Pa C.S. § 4904, relating to unsworn falsification to authorities. Further, the undersigned will be obtaining a verification signed by the Defendant and filing a praecipe to substitute said verification as soon as said verification becomes available. Date: ?-11- 11 * KAO Nancy L. Datres, Esq. 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA CAPITAL ONE BANK (USA) NA, Plaintiff V. CIVIL ACTION - LAW JESSICA D. MILLER, Defendant DOCKET NO. 10-3035 Civil Term CERTIFICATE OF SERVICE I, Nancy L. Datres, hereby certify that I served a true and correct copy of the within Answer to Plaintiff's Amended Complaint upon the person below by first class mail, postage prepaid, which services satisfies the requirements of Pa. R.C.P. No. 440: Sarah E. Ehasz, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Date: 7-11- 11 Respectfully submitted, MIDPENN LEGAL SERVICES 0" N. hko Nancy 'L. Datres Supreme Court ID 203226 213-A North Front Street Harrisburg, PA 17101 (717) 232-0581 x 2107 Attorney for Defendant 5 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA CAPITAL ONE BANK (USA) NA, Plaintiff a -,z v. CIVIL ACTION - LAW M mF °? JESSICA D. MILLER Defendant DOCKET NO. 10-3035 Civil Term° -n =o y,C-- ?rn ?., sv ev`" .t PRAECIPE TO SUBSTITUE VERIFICATION TO THE PROTHONOTARY Kindly substitute the attached verification to replace the verification appended to the Answer filed on July 11, 2011 in the above-referenced matter. Thank you kindly. Respectfully submitted, MIDPENN,LEGAL SERVICES Date: BY: Nanc s, Esquire L-' Attorney I 203226 MIDPENN LEGAL SERVICES 213-A N. Front St. Harrisburg, PA 17101 (717) 232-0581 x 2107 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA CAPITAL ONE BANK (USA) NA, Plaintiff V. CIVIL ACTION - LAW JESSICA D. MILLER, Defendant DOCKET NO. 10-3035 Civil Term VERIFICATION I, Jessica D. Miller, verify that the statements made in this document are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa C.S. § 4904, relating to unsworn falsification to authorities. Date: /1311' ssica D. Mi ler i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA CAPITAL ONE BANK (USA) NA, Plaintiff V. CIVIL ACTION - LAW JESSICA D. MILLER, Defendant DOCKET NO. 10-3035 Civil Term CERTIFICATE OF SERVICE I, Nancy L. Datres, hereby certify that I served a true and correct copy of the within Praecipe to Substitute Verification upon the person below by first class mail, postage prepaid, which services satisfies the requirements of Pa. R.C.P. No. 440: Sarah E. Ehasz, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Respectfully submitted, MIDPD N LEGAL SERVI F Ae Date: -/ ff" // 'Nancy L. Da es 1 Supreme urt ID 203226 213-A Ntirth Front Street Harrisburg, PA 17101 (717) 232-0581 x 2107 Attorney for Defendant