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!f ; i L 1 j: t I ?, I HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 400 Market Street Suite 600 Philadelphia, PA 19106-2513 (215) 928-1400 OUR FILE NO. 312599 CAPITAL ONE BANK 14851 COX ROAD GLEN ALLEN, VA 23060 VS. FRANK J DESTEFANO III D/B/A WRAY MUSIC HOUSE INC 381 LONG GAP RD CARLISLE, PA 17013 Attorney for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION No. /n TERM. -3741 CIVIL ACTION "NOTICE "You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be en- tered against you by the court without further notice for any mon- ey claimed in the complaint or for any other claim or relief request- ed by the plaintiff. You may lose money or property or other rights important to you. IF YOU CANNOT AFFORD TO HERE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE PA, 17013 717-249-3166 "AVISO "Le han demandado a usted en la oorte. Si Listed quiere defonderse de estas demandas expuestas an Is* pdgins siguientes, Listed time voirde (20) dfas, de piazo at patir de Is fecha de Is demanda y Is nodficacidn. Hap falta asentar una comparencia escrita o an persona o con Lin abogado y enb"ar a Is ports on forma escr to we defenses o sus objecions a las demandas on contra de su persona. Sea avieado quo at usted no so deflende, la torte tomard madidas y puede continuer Is demands en contra suya sin previo aviso o notificaci5n. Aden-As. Is oorte puede decldir a favor del demandante y requiere quo Listed cumpla con todas las provisions de esta demands. Usted puede perder dinero o sus propiedades u otros derechos Importantes pare usted. "LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIREcci6N SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Y'4a-00- ?o erg' 41?15? ?? ?.?33 zl CIVIL ACTION 1. Plaintiff CAPITAL ONE BANK is a business entity securing or collecting debts, with offices located at: 4851 COX ROAD, GLEN ALLEN, VA 23060. 2. Defendant (s) FRANK J DESTEFANO III D/B/A WRAY MUSIC HOUSE INC is an individual residing at: 381 LONG GAP RD, CARLISLE, PA 17013. 3. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assigned account number 4802132307996937. 4. Defendant(s) subsequently utilized the aforesaid account to make various purchases and/or receieve cash advances, thereby incurring payment obligations to Plaintiff and/or Plaintiff's predecessor in interest. 5. Defendant(s) defaulted by failing to adhere to repayment terms and in accordance therewith, the entire remaining balance became due and immediately payable. 6. As a consequence of the foregoing there is presently due and owing to Plaintiff by Defendant(s) the following amounts (see Exhibit "A"): Unpaid Balance: Interest: TOTAL DUE: $8,462.10 $669.40 $9,131.50 7. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to pay the aforesaid sum. WHEREFORE, Plaintiff demands that judgment be entered against Defendant(s) in favor of Plaintiff in the amount of $9,131.5p together with interest and costs. HAYT, HAYT & LANDAU By: Attorney for Plaintiff Please nnav print clearly !n black or blue ink. crNSE REOUESTED: This teed t oiler flea been eutodz0d OFFICER'S SIGNATURE: Legal Structure of Business: (t*rck one) Offer S. Sng Proprietorship 8?ireas 5/11/03 C.Corporation P . QPun nershi A, a ° lBwarY tmsl be one Ux follou . O'ek one P X. ? Non-profit Corporation L. C1 Limited Liability Co. )?t, ? OU, P Authotizin Signatory Name u you urottld like it to e 0 "Y President S. []Treasurer S. ? Othn ,?I ppear an the card. IAJya4.4whorrana 51"" cy, mrar araattN Fitsl Name Jomtatfon Addltmnd cvdrtn±iur br lined wr s octftmtd.) - nclrt?lrPit laaNamc 7u{cC?l Rome Addtess APL No. 1, +? - Aa!ho --in s' ?7J _4? FIJiP? `-? City LIQKL-V- L? Stale p A zip l Q 3 8-!d°?t°7' S°c?ia1 Scanty Number 7 , Authorizing Signatory Dak of Binh Q 8 y (? ( Home_.?pnr Numbp. 7) - 2 Y ' Business Nartx W D A. Y ?Y) v ?r 8 t? Business Phone Numter ( 7 1 7? __ _ )^ 7 b ??8 2 Z Z Lay to -40'-t atertr!? C H 0 0 0'. MWe ? 4 ur l -9-v't lwor rmf * 1^rOwW+d fowas and rmro Oar Ne Brernza Cmtfmvl natbrthrG in ara'di osr only laQ&iuivrluYamrMJa?rdbcled'(h •m t*mrkWd. and laggrrrr?ron MuffcfBr ? dtratAd on dtr rrrrBaN. ?"Y'r rand ttyl radd 1eaadmd "7r t ha 40"Y 7>,r ` lAs fi°'gat"ycnd! twulr I.wtrd m e"" 1 agar to le WR.*'dfr. as Signature of Au o IN Q /? n 2 Dnte ?' ?. 1525 See enclosed Important Disclosures for additional information about rates, fees, and other costs, as applicable. V v ? 7235164401122 002 002 Wrays Music House Inc Attn: RM"e"-Q%ww 9-7. bEV,6P" 326 Market St Lemoyne, PA 17043-1627 Plgss MU OM and rdtetgs btl*4= same and addmt It aso nry. EXHIBIT A WRAY MUSIC HOUSE INC Account S Previous Balance $243.46 Payments, Credits and Adjustments $.00 Transactions, including Monthly Bills $880.82 Finance Charges $11.66 New Balance $1,135.94 Minimum Amount Due $44.00 Payment Due Date August 01, 2006 PLATINUM VISA ACCOUNT MAY 28 - JUN 27, 2006 4802-1323-0799-6937 Page 1 of 2 Rewards Summ Previous Mileage Balance: 9,994 Miles this Period: 846 Miles due to expire 07/01/06: 0 Redemptions 0 Ending Mileage Balance: 10,840 Taal Credit Line $7,000 Total Available Credit $5,864.06 Credit Line for Cash $3,500 Available Credit for Cash $3,500.00 Payments Credits and Adjustments At ice Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If your serv you have already made your payment, please accept our thanks. To mH Customer Relatiom or to report a lost or stolen cud: 1-800-867-0904 Transactions Visit way -piulo corn today to manage your account -h- and remiw vahtabk offers. Send paym.u to: Send inquiries to: Attn: Remittance Processing Capital One, F.S.B. Capital One P.O. B. 790217 P.O. Box 30285 St. Louis, MO 63179-0217 SLC, UT 84130-0285 Important Account Information Beginning July 1st, 2006, based on your account activity you may be assessed more than two late, oeerlimit, or returned check fees that occur during any billing period. 1 09 JUN HOSA TECHNOLOGY INC 714-7369270 CA $759.12 2 27 JUN PAST DUE FEE 35.00 Monthlv Bills and Related Exuenses 3 11 JUN INTERNET GATEWAY CORP 717-731-9707 PA $11.70 4 20 JUN PPL-MEMBERSHIP - R 800-654-7757 OK 75.00 Your account is one payment behind. Remember that making your minimum payments by the due date, keeps your account in good standing. When you miss a payment, late fees start adding up. And nobody wants that. So make sure you send in the minimum amount due on your statement to keep your account in good standing and to keep from paying extras fees. Finance Charges Pleare see rmerseride fur important information Ba/anurak P.r;adir C,..,=_' NA rq'pliedm ode A PURCHASES 5738.56 .0509396F 185996 $11.66 CASH $.00 .0509396 F 185996 $.00 ANNUAL PERCENTAGE RATE applied this period 18.59% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 4802132307996937 27 1135944643510044004 New Balance $1,135.94 Minimum Amount Due $44.00 Payment Due Date August 01, 2006 Total enclosed $ Account Number. 4902-1323-0799-6937 Strew Apr # City St- ZIP Home Phone Altermx Phone #9017976805595694# MAIL ID NUMBER WRAY MUSIC HOUSE INC Capital One, F.S.B. ?i FJ DESTEFANO P.O. Box 790217 1t1u1n1r1m11n11r1 a>? PO BOX 419 St. Louis, MO 63179-0217 N LEMOYNE PA 17043-0419 Plewe write your account number on your check or money order made payable to Capital One, F.S.B. and mail in the encland erroelope. Ple-print mailiugad3rss-k6e r-nleh-g. belou, -V R- -VaA mE I EXHIBIT A PLATINUM VISA ACCOUNT 4802-1323-0799-6937 Account Summ Previous Balance $243.46 Payments, Credits and Adjustments $.00 Transactions, indnding Monthly Bills $880.82 Finance Charges $11.66 New Balance $1,135.94 Minimum Amount Due $44.00 Payment Due Date August 01, 2006 Taal Credit Line $7,000 Taal Available Credit $5,864.06 Credit Line for Cash $3,500 Available Credit for Cash $3,500.00 At your service To call Customer Relations or to report a lost or stolen card: 1-800-867-0904 Visit www.capitalone.com today to manage your acount online and receive valuable offers. Send payments to: Send inquiries to: Attn: Remittance Processing Capital One, RSB. Capital One P.O. B. 790217 P.O. B. 30285 St. Louis, MO 63179-0217 SLC, ITC 84130-0285 Important Account Information m a MAY 28 -JUN 27, 2006 Page 2 of 2 You were assessed a past due fee of $35.00 on 06/27/2006 because your minimum payment was not received by the due date of 06/27/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 7 4802132307996937 27 1135944643510044004 P1arej*intmailingad,+--dwe-maileMnger de( :r.:ingblue,btaekink New Balance $1.135.94 Minimum Amount Due $44.00 Payment Due Date August 01, 2006 Total enclosed $ Acco unt N umber. 4802-1323-0799-6937 Capital One, F.S.S. P.O. Box 790217 St. Louis, MO 63179-0217 Street Aptk City st- ZIP H.- Phone Al.- Phone #9017976805595694# MAIL lD NUMBER WRAY MUSIC HOUSE INC FJ DESTEFANO r PO BOX 419 t LEMOYNE PA 17043-0419 EXHIBIT A Plewe vniteya account number on pow check or money order madepayable to Capital One, F.S.B. and mail in the enclxaenvelape. More ways we help you mind your business 500005 As a Capital One cardholder, you have preferred access to a wide range of customized business and personal financial services: • BUSINESS LOANS • AUTO FINANCE • BUSINESS LINES OF CREDIT • HOME LOANS • DIRECT BANKING • PERSONAL LOANS • PERSONAL CREDIT CARDS • HEALTHCARE FINANCE Just call 1-800-867-0904 or visit www.capitalone.com/smailbusiness to learn more about these products and services that also help make business worry-free. CAPITAL ONE SMALL BUSINESS SOLUTIONS CENTER Your Business Account Statement is Below. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,770.73 - $1,770.73 + $0.00 + $1,049.82 = $1,049.82 $31.00 Aug. 27, 2008 Jun. 28, 2008 - Jul. 28, 2008 Page 1 of 1 '`•'' Visa Business Card Account 4902-1323-079ae937 ?,-/ ? Your Account Information `- REWARDS TOTAL REVOLVING CREDIT LINE $7,000.00 TOTAL AVAILABLE REVOLVING CREDIT $5,050.18 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $3,500.00 PHASE PAY C.T (EAST mIS AR10urfi Rewards Summary Previous available balance: 13,423 Earned this period. 1,050 (reflads transactions posted during this bitng cycle) Available Balance 14,473 Did you know that you could earn extra rewards when you make purchases at merchants in our preferred network? Visit our websile at www.capitalone.com/rDhassWewards for more information. Finance Charges (Please see reverse for important information) Balance rate Periodic CDrrespording FINANCE applied to rate APR CHARGE Purchases $0.00 0.04375%F 1597% $0.00 Cash $0.00 0.04375% F 1597% $0.00 ANNUAL PERCENTAGE RATE applied this period: 0.00% Q At Your Service 1.900.807.0904 To cal Customer ReleBons or to report a lost or stolen card AML Send payments to: Capital One Bk(USA),NA • P.O. Box 70884 • Charlotte, NC 28272.0884 Send Inquiries to: Copilot Ones P.O. Box 30285 • Sol Lake (Sty, UT 84130.0285 For More Information on your Rewards: Visit: www.cepitebne.com/milesrewards Cat 1-800-228-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone.com/disputes Pavments. Credits & Adiustments 1 28 JUL PAYMENT $1,770.73- Transactions 2 09 JUL J D'ADDARIO & CO 631-4333300 NY $1,013.04 3 25 JUL EBAY INC. 88&7493229 CA $36.78 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4802132307996937 27 1049821770730031003 Copital0ne I what's m your wallet?' Account Number: 4802-1323-0799-6937 New Balance Minimum Payment Due Date $1,049.82 $31.00 Aug. 27, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA P.O. Box 70884 1r1 [1 loll rIrI lrIII rrrI Charlotte, NC 28272-0884 ?rr?rnrt?rrr?r??rir?rr?r?n(rr?r(?(?rr?((?rrnrr?r(?rrnr((n Please print address or phone number changes below using blue or black ink. Address Nome prone Alremate pion F- R address Q #90211768055956950 MAIL ID NUMBER FJ DESTEFANO WRAY MUSIC HOUSE INC PO BOX 419 LEMOYNE, PA 17043-0419 rlru?rrrn?rrtr?rr?rr??riirrrrirrirrt?nr?rrrrtnir?rrrrr?n EXHIBIT A Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. More ways we help you mind your business 5()0005 As a Capital One cardholder, you have preferred access to a wide range of customized business and personal financial services: • BUSINESS LOANS • AUTO FINANCE • BUSINESS LINES OF CREDIT • HOME LOANS • DIRECT BANKING • PERSONAL LOANS • PERSONAL CREDIT CARDS • HEALTHCARE FINANCE Just call 1-800-867-0904 or visit www.capitalone.com/smallbusiness to learn more about these products and services that also help make business worry-free. CAPITAL ONE SMALL BUSINESS SOLUTIONS CENTER I Your Business Account Statement is Below. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date C$1,049.82 - $1,049.82 + $25.47 + $88.41 = $113.88 $10.00 Sep. 30, 2008 Jul. 29, 2008 - Sep. 05, 2008 Page 1 of 1 Visa Business Card Account 4402.1323-0798•807 IN k Your Account Information O REWARDS TOTAL CREDIT LINE $7,010.00 TOTAL AVAILABLE CREDIT $6,886.12 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $3,500.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $957.41 0.06822% D 24.9096 $25.47 Cash $0.00 0.06822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24.90% A! Mr At Your Service - Go to www.ceodebne.war to manage your account, or Cat 1-800-867-0904 to report a last or stolen card or speak to Customer Relations 0 Pay Online at www.caoitabne.com or mat Vag payment to: CopRel One Bank (USA), N.R. • P.O. Box 70684 • Charlotte, NO 28272-0884 A Send Inquiries to: Capital Crew P.O. Box 30285 - Sal Lake City, UT 84130.0285 ® Manage your Rewards online by visiting a Cot 1-800-228-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone.comldsputes Rewards Summa PLEASE MY AT LENT THIS AMOUrfi Previous available balance: 14,473 Earned this period: 49 (refhcts transactions posted during this bifng cycle) Forfeited this period 49- Available Balance: 14,473 Payments, Credits & Adjustments 1 01 SEP PAYMENT $1,049.82- Transactions 2 12 AUG UOL•JUNO ONLINE 888-839-5866 CA S9.95 3 25 AUG EBAY INC. 888-7493229 CA $39.46 4 27 AUG PAST DUE FEE $39.00 Under leans previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember If we receive your minimum monthly payment on lime for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. IMPORTANT INFORMATION ABOUT YOUR GRACE PERIOD: If you pay your balance in full every month by your due date, you will enjoy an interest-free grace period of 25 days on new purchases. Paying by your due date also helps you avoid late fees. Please see the enclosed disclosures for more details and thank you for your business. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4802132307996937 05 0113881049820010009 CapNal()?x,` what's in your wallet?` Account Number: 4802-1323-0799-6937 New Balance Minimum Payment Due Date $113.88 $10.00 Sep. 30, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank (USA), N•A. P•0. BOX 70884 Charlotte, NC 28272-0884 11111111111-11,111IfrI'll 11111111111111111111'11-1r11111r11111.'1 Please print address or phone number charges below using blue or black ink. Home 7lwne Alfernaie Phone E-mail address #9025076805595693# MAIL ID NUMBER FJ DESTEFANO WRAY MUSIC HOUSE INC PO BOX 419 LEMOYNE, PA 17043-0419 EXHIBIT A Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 0 important notification of a change in terms to your account Please see the important notice included with this statement. It details changes to the: • Minimum monthly payment calculation This change will take effect starting with your December billing period. You cannot decline this change 500251 41080 Capita] FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date C$113.88 - $0.00 + $2.60 + $32.76 = $149.24 $20.00 Oct. 31, 2008 Sep. 06, 2008 - Oct. 06, 2008 Page 1 of 1 Visa Business Card Account 4802.1323-0799.6937 Your Account Information TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $6,850.76 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $3,500.00 ------------- Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $123.07 0.06822% D 24.90% $2.60 Cash $0.00 0.06822% 0 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24,90% Q At Your Service - Go to vwm.caolabne.com to manage your account, or cat 1.800-867-0904 to report a lost or stow card or speak to Customer Relations Awk Pay Online at www.caoitabne.com or mail your payment to: Capital One Bank (USA), N.A. - P. 0. Box 71083 • Charlotte, NC 28272-1083 ® Send Inquiries to: Capital Onw P. D. B. 30285 - Sal Lake City, UT 84130-0285 Q For More Information on your Small Business account: Vol Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitaloW.com/dsputes PLEASE PAY AT LEAST THIS AMOUNT You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. "Important Notice- At this time we are unable to provide your Rewards Summary. To review your current Rewards balance or additional Rewards information, please call (he number on the back of your credit card. We apologize for any inconvenience this may cause. Pavments. Credits 8 Adiustments Transactions 1 25 SEP EBAY INC. 888-7493229 CA S3.76 2 30 SEP PAST DUE FEE $29.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember If we receive your minimum monthly payment on lime for 12 consecutive biing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was not received by the due dale. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4802132307996937 05 0149241049820020002 Account Number: 4802-1323-0799-6937 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- OCt. 31, 2008 $149.24 $20.00 it's fast, easy and secure. Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THISAMOUNT moving? Change your address online or on the back. O ® Help save the planet-Go paperless. 119028276805595696# © Sign up at www.capitalone.com. FJ DESTEFANO WRAY MUSIC HOUSE INC Capital One Bank (USA), N.A. PO BOX 419 P.O. Box 71083 LEMOYNE, PA 17043-0419 Charlotte, NC 28272-1083 11111'11111111""'IllllIII-IIIIIIIIIIIIIIII-I IIIIIII'11-IIIII-I IIIdLrI .Atilt - 'III - III I IIIIr, 1, 1,I-III-I--IIIIII-IIII-I-IIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A 6.27°/a APR* °°'° (We printed this big because we know it matters to you.) APR is obviously a very impo,tant facto, when Icoking for a Fixed-Rate Mortgage. And here are some of the ways that Capital One' Home _oars takes out the hassle: • Customized loan amounts up to $1,000,000 • Guaranteed FIXED monthly payment • No hidden fees No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everyth ng. Call toll free to apply: 1-800-760-2493 Or visit www.capitalonehomeloans.com Mon.-Fri. Bam-Bpm; Sat, 1Oam-1 pm EST Reservation Number: 5118 051 011 8344 • Adrerirsed annwl percentage ,ate ix efFa-rive as of 09 /2 9120 0 8 and subject m change air any doe- APR is hued nn excellent credit history, , 3W,4961oan an-wit, 80% combined loan-lo-value ratio and a 30-year fixed-rate first-lief mongage. Monthly pay,neu for this example is 51,854. Additinnal term and restrictions apply ?'ahj?, MILK Neuslaa Capital One is an Equal Housing tda?. See merse for additional important information. Yr?? LENDER Small Business FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $149.24 - $113.88 + $28.36 + $1,797.28 = $1,861.00 $55.00 Dec. 01, 2008 Oct. 07, 2008 - Nov. 05, 2008 Page 1 of 1 1% Visa Business Card Account 4802.13230799.8631 Your Accountlnformaffon REWARDS TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $5,139.00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $3,500.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases S1,414.14 O.C-3685% D 24.40% $28.36 Cash $0.00 0.06685% 0 24.40% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24,40% Q At Your Service - Go to rm xaoilabm com lo manage your account, a Cat 14800-867-0904 to report a lost or slobn card or speak Ic Customer Relations ANk Pay Online at wrw.catklabne.com a mail your payment to: Capital one Bank (USA), N.A. • P. 0. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Cepilal 0- P.O. Box 30285 - Sal Lake City, UT 84130-0286 ® Manage your Rewards online by visiting a it 1 00-226-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitabne.com/disputes NrASE PAY AT LEAST THIS AMOUM Rewards Summary Previous available balance: 14,473 Earned this period: 1,797 (refF3ote I msections posted fixing this birng cycle) Available Balance- 16,270 Payments, Credits & Adjustments 1 09OCT PAYMENT $113.88- Transactions 2 14 OCT J D'ADDARIO & CO 631-439-3300 NY $1,725.08 3 14 OCT J D'ADDARIO & CO 5314393300 NY $25.31 4 25 OCT EBAY INC. 888-749229 CA $46.89 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4802132307996937 05 1861000113880055009 Account Number: 4802-1323-0799-6937 Due Date New Balance Minimum Payment ?AmounEnclose-d1 Dec. 01, 2008 $1,861.00 $55.00 E Amount J PLEASE PAY AT LEAST THIS AMOUNT f19031176805595693N FJ DESTEFANO DRAY MUSIC HOUSE INC PO BOX 419 LEMOYNE, PA 17043-0439 II'1"1111 IdIWITI111'1'Ill' 1111'1'111'I'Ill"I'I'Illllll'II Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 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 www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 1111111'111-11111'II'll I III, -,IIIIII"81'1'111'11 '11111111 1111 EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. uvvv 1 o e Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. Capital One' does credit cards-and then some! 1121, MMEEMM??BBEE?rR1 wu R.. ¦¦ IIV??rI LENDER Ca -;; - what's in your wallet? FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date C$1,861.00 - $4,000.00 + $24.69 + $4,895.67 = $2,781.36 $52.00 Dec. 30, 2008 Nov. 06, 2008 - Dec. 05, 2008 Page 1 of 1 Visa Business Card Account 4802.1323-0799.6937 hNoHas k Your Account Information Q s REWARDS TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $4,218.64 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $3,500.00 n1A% PAY AT LFA9 7145 AWUIT Rewards Summa Previous available balance: 16,270 Earned this period 4,896 (reflacls transactions posted during this bitng cycp) Redeemed this period. 10,000- Available Balance- 11,166 Payments, Credits & Adjustments 1 26 NOV CAPITAL ONE ONLINE PYMT AUfhDate 26-N OV $2,000.00- 2 04 DEC CAPITAL ONE ONLINE PYMT AuthDate 04-D EC $2,000.M Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 51,256.62 0.06548% D 23.90% $24.69 Cash $0.00 0.06548% D 23.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23,90% Q At Your Service - Go to wnw.caokabne.mm to manage your account, or Car 1300.867-0904 to report a lost or stolen card or speak to Customer Relations 0 Pay Online at www.capitabne.com or mail your payment to: Capital one Bank (USA), N.A. • P. 0. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Capital One, P.O. Box 30285 • Sal Lake City, UT 84130-0285 ® Manage your Rewards online by visiting or Cat 1-800.228-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.ca6talone.comldsoutes 3 07 NOV ERNIE BALL INC 760-775-4222 CA $798.47 4 10NOV ATTM`464008212011PHI 800331-0500 GA $196.03 5 10NOV STAPLES DIRECT00209908800-3333330CA $46.40 6 11 NOV SHEETZ 00001917 CARLISLE PA $36.00 7 12 NOV TELEX COMMUNICATION 9528875503 MN $1,887.10 8 13 NOV COOL MUSIC INC 718-3905271 NY $145.00 9 14 NOV TAYE DRUMS 9096289589 CA $16.31 1D 18 NOV FJ Carlisle CS Out Carlisle PA $35.50 11 25 NOV EBAY INC. 888-749-3229 CA $170.81 12 02 DEC J D'ADDARIO & CO 6314393300 NY $14.67 13 02 DEC J D'ADDARIO & CO 631-4393300 NY $1,319.63 14 02 DEC GIANT FUEL 05 MECHANICSBURG PA $31.01 15 03 DEC AUDIO-TECHNICA INC STOW OH $15.16 16 04 DEC STORAGE PLUS LONG ISLAND C NY $183.58 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4802132307996937 05 2781362000000052002 Account Number: 4802-1323-0799-6937 Lend a hand Save the land Due Date New Balance Minimum Payment Amount Enclosed . . Manage your account online today- Dec. 30, 2008 $2,781.36 $52.00 it's fast, easy and secure. Pay online anytime-no more checks, stamps or clutter PLEASE PAY AT LEAST THIS AMOUNT Q Moving? Change your address online or on the back. ® Help save the planet-Go paperless. #9034176805595690# 0 sign up at vvww.capitalone.com. FJ DESTEFANO WRAY MUSIC HOUSE INC Capital One Bank (USA), N.A. Po 80X 419 P.O. Box 71083 LEMOYNE, PA 17043-0419 Charlotte, NC 28272-1083 t,II!I????'II'I?!I!Irlllrrll??llllllll?l'!!I'I!'1?1'Il?!1!?I'!I?I II?!??Irlll,rllll!'II'?I?!III,??!Illlrr??,l'?!?rl??,???l??l?'?II? EXHIBIT A Please make checks payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. Capital sooooe what's in your wallet? It could happen to anyone. Make sure you pay the amount F) DESTEFANO 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 1 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) 2008 Capital One Services, Inc. Capital One is a federally wgirtew se-mice mark. AV rigbts resew eel. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2,781.36 - $0.00 + $114.61 + $4,241.96 = $7,137.93 $276.00 Jan. 30, 2009 Dec. 06, 2008 - Jan. 05, 2009 Page 1 of 2 Visa Business Card Account 4502.13230798.61197 k H rhN Your Account Information o aw • REWARDS TOTAL CREDIT LINE $7,000,00 TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 55,829.60 0.05342% D 23.15% $114.61 Cash $0.00 0.06342% D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23,15% O At Your Service -Go to www.caotabne.mm to manage your account, or Cat 1.800-867.0904 to report a lost or stolen card or speak to Customer Relations 0 Pay Online at www.cadlabns.mm or mail your payment ic: Capital One Bank (USA), N.A. • P.O. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Captal Ore, P.O. Box 30285 - Sat Lake City, UT 84130.0285 PLEASE PAY AT LEAST THIS AMOUNT You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. Rewards Summa Previous available balance: 11,166 Earned this period: 4,164 (reflects transactions posted during this bung cycle) Forfeited this period: 2,720. Available Balance: 12 610 Payments, Credits & Adiustments Transactions 1 05 DEC DEERING BANJOS MOTO 619-4648252 CA $639.76 2 11 DEC HOSA TECHNOLOGY INC BUENA PARK CA $15.91 3 11 DEC COMMUNITY PROFESSIONAL LO 610-8763400 PA $63.92 4 15 DEC LIENAU ASSOCIATES INC WEST CHESTER PA $574.50 5 16 DEC HOSA TECHNOLOGY INC BUENA PARK CA $412.26 6 16 DEC PRO CO SOUND INC Ot OF 01 2693889675 NII $873.47 7 17 DEC WD MUSIC PRODUCTS INC 239-543-3625 FL $70.94 8 17 DEC HOSHINO 215538.8670 PA $1,444.20 Q 24 DEC EBAY INC. 888-749.3229 CA $69.00 10 30 DEC PAST DUE FEE $39.00 11 05 JAN OVERLIMIT FEE JAN 05, 2009 $39.00 M R Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been ® anage your ewards online by visiting increased since your account was past due twice in the past 12 billing cycles. If your rates have already a Cat 1300-228.3001 increased, subsequent delinquencies extended the duration of the increased rates. Remember If we receive your minimum monthly payment on lime for 12 consecutive billing cycles, this account wig be Have a question about a charge on your statement? reviewed for a possible return to your Non-Introductory APR. Please refer to the Billing Rights Summary on the back of your statement or visit www.cacOalone.comldisputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPFTALONE.COM TO MAKE YOUR PAYMENT ONLINE 1 4802132307996937 05 7137932000000276002 CJfal Account Number: 4802-1323-0799-6937 Due Date New Balance Minimum Payment Amount Enclosed Jan. 30, 2009 C$7,137.93 $276.00 C= PLEASE PAY AT LEAST THIS AMOUNT #9000676805595699# FJ DESTEFANO WRAY MUSIC HOUSE INC PO BOX 419 LEMOYNE, PA 17043-0419 ll'I"'Illlll"'I'IIII'1'IIII'Illy'I"llll'IIII'IIIIIIIIIII'IIII 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 Q 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 73083 Charlotte, NC 28272-1083 1111111'IlI"IlIll. ll'llIII' I"IIIIII"11'I'lll'll"IIIIIII I-fill EXHIBIT A Please make checks payable to Capital One Bank (USA), NA, and mail with this coupon in the enclosed envelope. Cam al - Keea vour • 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. • Request a copy of your credit report from a credit reporting bureau regularly. 500017 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date C$2,781.36 - $0.00 + $114.61 + $4,241.96 - $7,137.93 I $276.00 Jan. 30, 2009 Dec. 06, 2008 - Jan. 05, 2009 Page 2 of 2 Visa Business Card Account 4902.1323-0799.9937 Your Account Information TOTAL CREDIT LINE TOTAL AVAILABLE CREDIT CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH (Z/INOHBSSIe REWARDS' $7,000.00 $0.00 $3,500.00 $0.00 PLEASE PAY AT LEAST TIPS AMOUNr Your account has gone over its credit limit. To avoid additional ovedimil fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EXHIBIT A Cal/;Ftalf - whaYs In 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. (g 2008 Capital One Services, Inc. Capital One is a federally registe)rd service mark. All rights reserved. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $7,137.93 - $31.00 + $141.85 + $109.00 = $7,357.78 $530.00 Mar. 02, 2009 Jan. 06, 2009 - Feb. 05, 2009 Page 1 of 1 Visa Business Card Account 4802.1323-0788.8837 11N Your Account Information ( O REWARDS TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Correspending FINANCE applied to rate APR CHARGE Purchases S7,215.08 0.06342% D 23.15% $141.85 Cash $0.00 0.06342% D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23.15X Q At Your Service - Go to www.caoilabne oom to manage your account, or Oat 1-a00-867-0904 to report a bst or stolen card or speak to Customer Relations 0 Pay Online at www.ca dabne.com a mat your payment to: Capital One Banc (USA), N.A. • P.O. Box 71083 • Charbfte, NC 28272-1083 A Send Inquiries to: Capital One P.O. Box 30285 • Sal Lake City, UT 84M.0285 ® Manage your Rewards online by visiting a Cat 1-800-226.3001 0 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitalone.comldisoutes PLEASE PAY AT IEASTTMS AMOUNT You're behind by two payments. Lers talk. If you're having financial difficulties and can't make your minimum payment - we want to help. Lers work together to find a solution. Rewards Summa Previous available balance. 12,610 Earned this period: 0 (reflects transactions posted during this billing cycle) Available Balance12 12,610 Payments, Credits & Adiustments 1 11 JAN PURCHASE ADJUSTMENT $31.00- Transactions 2 11 JAN SHEETZ 00001917 CARLISLE PA $31.00 3 30 JAN PAST DUE FEE $39.00 4 05 FEB OVERLIMIT FEE FEB 05, 2009 $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 biking cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be eviewed for a possible return to your Non-Introductory APR. Your account has gone over its credit limit. To avoid additional overfimit fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you alow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4802132307996937 05 7357782000000530006 Account Number: 4802-1323-0799-6937 tend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- Mar. 02, 2009 $7,357.78 $530.00 it's fast, easy and secure. 8 Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THISAMOUNT Q Moving? Change your address online or on the back. ® Help save the planet-Go paperless. #9003776805595694# O Sign up at www.capitalone.com. FJ DESTEFANO WRAY MUSIC HOUSE INC Capital One Bank (USA), N.A. PO BOX 419 P.O. Box 71083 LEMOYNE, PA 17043-0414 Charlotte, NC 26272-1083 ngnhlln"rIr11'Irr1111111'hrl'rIIIIIIpIIIII rnh11111 it IIII r111'?n11hIr11111,1, -111111"11-1-11FI 1-11[11111'1111 E?IIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. F) DESTEFANO MAKE A PAYMENT. AND TAKE CONTROL 50001' ;?,.,s,nyourwallet? OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 2008 Capital One Services, hit. Capital One is a fiderally registered service mark. All rights reserved, FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $7,357.78 - $0.00 + $131.88 + $78.00 = $7,567.66 $776.00 Mar. 30, 2009 Feb. 06, 2009 - Mar. 05, 2009 Page 1 of 1 Visa Business Card Account 4802.1323-0798.8937 CA H l Your Account Information O aSS e REWARDS TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 57,426.71 O.C6342% D 23.15% $131.68 Cash $0.00 0.06342% D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23.15% At Your Service - Go to www.caoitabr-rn tc manage your account, a Cat 1-800-867-0904 to report a lost or stolen card a speak lo Customer Relations 0 Pay Online at www,capitabno.corn or mal your payment to: Ceprtal One Bank (USA), N.A. • P.O. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Cooler One- P.O. Box 30285 • Sal Lake City, UT a4130-0285 0 Manage your Rewards online by visiting a Cat 1-800.228-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit wwwcaoitalone.comldiscutes PLEASE PAY AT uASE TMS AMOUNT You're behind by three payments. But you can bring your account current by paying the minimum payment amount on your statement. If you re having financial difficulties and you're feeling overwhelmed - we want to help. Give one of our associates a call at 1.800.955.6600. You'd be surprised what we can do together to work this out. Rewards Summa Previous available balance: 12,610 Earned this period: 0 (reflects transactions posted during this ding cycle) Available Balance- 12,610 Payments, Credits & Adiustments Transactions 1 02 MAR PAST DUE FEE $39.00 2 05 MAR OVERLIMIT FEE MAR 05, 2009 $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive your minimum monthly payment on lime for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. Your account has gone over its credit limit. To avoid additional overkmit fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immecialely, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4802132307996937 05 7567662000000776009 Account Number: 4802-1323-0799-6937 Due Date New Balance Minimum Payment Amount Enclosed Mar. 30, 2009 $7,567.66 $776.00 PLEASE PAY AT LEAST THISAMOUNT #9006576805595695# FJ DESTEFANO WRAY MUSIC HOUSE INC PO BOX 419 LEMOYNE, PA 17043-0419 -II'I''-'1111'lldI'IIII'1'I'h1111,111111- -d'I -[--III -III Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 119 Pay online anytime-no more checks, stamps or clutter. Q Moving? Change your address online or on the back. ® Help save the planet-Go paperless. 0 Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 111111',1""VIII''I?Illllll"III111??11'1'lll?'I'?IIIIIIII?IIII EXHIBIT A Please make checks payable to Capital One Bank (USA), NA, and mail with this coupon in the enclosed envelope. F) DESTEFANO what's 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. (0 2009 Capital One. Capital Onr it a frd47ally reyistrred servicr mark. All rights rrsevr ed. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $7,567.66 ? $0.00 l + -- $155.30- +0 139.00 =C -$7,761.96 -) ( $1,047.00 May. 01, 2009) J .... ... ? -- - Mar. 06, 2009 - Apr. 06, 2009 Page 1 of 1 Visa Business Card Account 4802.1343-0788.8037 Your Account Information ? REWARDS' TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 ........ _---._...- .............. -...... -____ -- ............... . Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases S7,652.30 0.06342% D 23.15% $155.30 Cash $0.00 0.06342% D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23.15% AT7N O At Your Service • Go to rw w caphalone.com to manage your account, a Cat 1-000-857-0904 to report a bst or stobn cad or speak to customer Relations 0 Pay Online at www.caWabne.com a mail your payment to: Capital One Balk (USA), N.A. • P. 0. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Capital Onw P.O. Box 30285 • Sat Lake 04, UT 84130-0285 A'ft Manage your Rewards online by visiting a Cot tA00-228-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capiWlone.com/cisputes PLEASE PAY AT LEAST THIS AMOUNT You're behind by four payments. But you can still bring your account current by paying the minimum payment amount on your statement. Need help? Give us a cal at 1.800.955.66CO. Well work together to find a solution. Rewards Summary Previous available balance: 12,610 Earned this period' C (reflects transactions posted during this biing cycle) Available Balance: 12,610 Payments, Credits & Adjustments Transactions 1 30 MAR PAST DUE FEE $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Inlroductory APR. Your account has gone over its credit limit. To avoid additional overimit fees, you should pay more than the Wrtimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the die cite. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4802132307996937 05 7761962000001047008 Account Number: 4802-1323-0799-6937 Due Date New Balance Minimum Payment Amount Enclosed ?May.01,-2009) $7,761.96 $1,047.00 ............ -...._ PLEASE PAY AT LEAST THIS AMOUNT #9009776805595698# I'd DESTEFANo 11 RAY MUSIC HOUSE INC PO BOX 419 LEMOYNE. PA 17043-0419 1"IIIII'Ill1111'11I11IIIll'111"II11111dH-IIN1111111 rlrr11--l tend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay online anytime-no more checks, stamps or clutter Q Moving? Change your address online or on the back. ® Help save the planet-Go paperless. O Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-3083 1111116111.-11Ill. 11'1111111-III 111"I1'I'lll'll -11111111'llll EXHIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. F) DESTEFANO 500012 `f;3 whet'sinyourwallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 2009 Capital On.. Capital One is a ederaily registered ;ervirr mark. All right; reserved FINANCE Previous Balance Payments & Credits CHARGE ..___ Transactions New Balance Minimum Payment Due Date 1 $7,761_96 )- -$0.00 - + ---$144.16+? $78.00 $7,984.11 ) C` $1,309.00 'May. 30, 2009 ? Apr. 07, 2009 - May. 05, 2009 Page 1 of 1 Visa Business Card Account 4802.1323-0798.8937 L? Your Account Information REwAARDS TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 57,837.99 0.06342% 0 23.15% $144.15 Cash $0.00 0.06342% 0 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23.15% Q At Your Service - Go to ~vxaoitabne.com to manage your satount. or Cat 1-800.867-0904 to report a lost or stolen card a speak to Customer Relations 0 Pay Online at www.caoitabne.can or met your payment to: Capitol One Bank (USA), N.A. • P. D. Box 71083 • Charlotte, NO 28272-1083 A Send Inquiries to: Capital One- P.O. Box 30285 • Sal Lake City, UT 84130-0285 Affilk, Manage your Rewards online by visiting or Cat 1-800-220-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone.com/disputes PLEASE PAY AT LEAST THIS AMOUNT You're behind by five payments. If you continue to miss payments your account is at risk of being charged off. Please don't let this happen. If you're feeling overwhelmed, call us at 1.800.955.6600. Well work with you to resolve this matter. Rewards Summary Previous available balance: 12,610 Earned this period: 0 (reflects transactions posted during this bilrg cycle) Available Balance: 12,610 Payments, Credits & Adjustments Transactions 1 01 MAY PAST DUE FEE $39.00 2 05 MAY OVERLIMIT FEE MAY 05, 2009 $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles, If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account wil be reviewed for a possible return to your Non-Introductory APR. Your account has gone over its credit limit. To avoid additional overlimit fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you alow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4802132307996937 05 7984112000001309004 Account Number: 4802-1323-0799-6937 Due Date New Balance Minimum Payment Amount Enclosed - -----_...-- May_ 30, 2009) (- $7,984.11 -$1,309.00 (_- -- PLEASE PAY AT LEAST THIS AMOUNT #9012676805595695# Fd DESTEFANO WRAY MUSIC HOUSE INC PO BOX 419 LEMOYNE, PA 17043-0419 I. I. I. I.1.. 1111.. 11111IIIII...1111111111'I'111IIL11.11"'Illl1. Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. le Pay online anytime-no more checks, stamps or clutter. Q Moving? Change your address online or an the back. ® Help save the planet-Go paperless. IC) Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 I l l] l' 111"I 1111' I I' l l l I I I I.' I I I I I I" l l' 1' 1 1 l' 1 1"l 1 1 1 1 1 1 l' 1 1 1 1 Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. EXHIBIT A F) DESTEFANO Capital - /wLt's in your wallet? 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 re check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due cafe to eliminate tie risk of being charged off. 0,.1 2009 Capital One Gpmal Onr a a f?derallj re rvered smure mark. All rights reteme4 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $7,984.11 $0.00 $158.65 $78.00- f) _$8,220.76_-( $1,588.00 LJun_30,-2009) May. 06, 2009 - Jun. 05, 2009 Page 1 of 1 Visa Business Card Account 4602.1323-0798.8937 1111110 H Your Account Information Q- HEw AROi TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) 1 Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 58,069.36 0.06342% D 23.15% $1'. , 5 Cash $0.00 0.06342% D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23.15% Q At Your Servke - Go to r*w.capkebne.oom to manage your account, «Cat l-WD-857-0904 Lo report a bst cr stolen card or speak to Customer Relations PLEASE PAY AT LEAST THIS AMOUNT You're behind by sic payments. If we charge off your account due to late or missed payments, finance charges will continue to accrue. Act now to prevent this from happening, Please pay the minimum payment amount on your statement or give us a call at 1.800.955.6600. We're here to help. Take control of your credit with Capital One. "Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summary Previous available balance: 12,610 Earned this period: 0 (reflacts Iransactions posted during this billing cycla) Available Balance- 12,610 Payments, Credits & Adjustments Transaclilons 1 30 MAY PAST DUE FEE $39.00 2 05 JUN OVERLIMIT FEE JUN 05, 2004 $39.00 0 Pay Online at www.capitabne.com or mail your payment to: Capital One Bank (USA), N.A. • P.O. Box 71083 • Charlotte, NC 28272-1083 A Send In. to: Capital On,, ne• P P.OO. . Box 30285 • Sal Lake City, UT 84130-0285 Ca Your account has gone over its credit limit. To avoid additional overlimit fees, you should y pay more than the IvInimum Payment. Please pay enough to bring your account balance below your credit limit Manage your Rewards online by visiting immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. «Cet 1-000-228.3001 You were assessed a past due fee because your minimum payment was not received by the due rate. To H avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum ave a question about a charge on your statement? payment to reach Capital One. Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitalone.comldisoutes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4802132307996937 05 8220762000001588000 Call Account Number: 4802-1323-0799-6937 Due Date New Balance Minimum Payment Amount Enclosed Jun. 30,200999 $8,220.76 1 -$1,588.00-Y) _- ..............__J PLEASE PAY AT LEAST THIS AMOUNT #9015776805595690# FJ DESTEFANO WRAY MUSIC HOUSE INC PO BOX 419 LEMOYNE, PA 17043-0419 Ihl'Ihrlll"nrhrm',lll,nnnll'Ill'I"?Illr"'111.1111 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay online anytime-no more checks, stamps or clutter. Q Moving? Change your address online or on the back. ® Help save the planet-Go paperless. 0 Sign up at vvww.capitalone.corn. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 IIIIIII-III--IIIII'II-IIIIIII,-IIIIII"II'I-III-II--IIIIIIII'IIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A FJ DESTEFANO CAPITAL ONE BANK (USA), N.A., Plaintiff, V. FJ DESTEFANO Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. Dated:-q-?- Kathy Moore A088 HAYT, HAYT & LANDAU SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson '~' Sheriff ~~ Jody S Smith '~ O J~ ~ ~'~ Chief Deputy ~Q~d ~~'~ ~ ~ ~~ ~~ ~~+ 1,,~ ~;~t y~.g Richard W Stewart ~"~~<~ Solicitor aF~t~o~ ~~ssk~a{~F Clkdtt1~`~.i +'~ ~~~~ Capital One Bank (USA) Case Number vs. Frank J. Destefano, III 2010-3791 SHERIFF'S RETURN OF SERVICE 06/17/2010 09:01 PM -Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on June 17, 2010 at 2100 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Frank J. Destefano III, by making known unto himself personally, at 381 Longs Gap Road, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to hirr personally the said true and correct copy of the same. ' ~_ TIM BLAC2K, DEPUTY SHERIFF COST: $33.84 June 18, 2010 SO ANSWERS, -~... R ANDERSON, SHERIFF {cj CountySuite Sheriff. Teleosoft.. Inc. ~~~.?.) ;~; r .,~ T{ ~ ,-.,,-~ 1 q- .Y HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 400 Market Street Suite 600 Philadelphia, PA 19106-2513 {215) 928-1400 Attorney for Plaintiff ~QiDJ~~ -8 F~-~ ~~ d'~~_ 'J .. ~l.iit:~ , CUMBERLAND COUNTY CAPITAL ONE BANK vs. FRANK J DESTEFANO III ~WRAY MUSIC HOUSE INC PRAECIPE TO DISCONTINUE W COURT OF COMMON PLEAS CIVII. DIVISION No. 10-3791 CIVIL TERM PREJUDICE ITO THE PROTHONTARY: Kindly discontinue the above captioned matter without prejudice. HAYT By: Attorney for Plaintiff