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Home My WebLink About10-4268SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy ~~~ntr of 4~rruabr~.f~~~ iti~r w- r tr i ,~Y (• l.t r.r ''~t_Fi~ v -... t4 ~ .,.GYP _ F_,! nr { ! r..~ ''~C ZOlO ,1~1~. -2 ~~~ ~~ 48 Richard W Stewart Solicitor UiFFiC6 ~: -~~ c..ERIFF t'~i'vi.~,J'~ r1.~ Capital One Bank (U.S.A.) N.A. vs. Case Number John Howard Wimbrough 2010-4268 SHERIFF'S RETURN OF SERVICE 06/30/2010 05:07 PM -Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on June 30, 2010 at 1707 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: John Howard Wimbrough, by making known unto himself personally, at 1913 Baldwin Court, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $37.00 July 01, 2010 DENNI FRY, DEP SO ANSWERS, RON r R ANDERSON, SHERIFF (ci GountySuite Shenff, Teleosoft. Inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA Plaintiff vs. JOHN WIMBROUGH Defendant No. 10-4268 Civil Term PRAECIPE TO ENTER APPEARANCE TO THE PROTHONOTARY: Enter our appearance on behalf of Defendant, JOHN WIMBROUGH, in the above Case and serve all papers upon us at the address listed below. Crystal Burkhart Esq. JACQUES H. GEISENBERGER, JR., P. C. 941 Wheatland Avenue, Suite 403 Lancaster, PA 17603-3180 August 5, 2010 JACQUES/H. GEISENBERGER, JR. P. C. By: C Crystal Burkhart I.D. No. 308097 Attorney for Defendant WHEATLAND PLACE 941 WHEATLAND AVE - STE 201 LANCASTER PA 17603-3180 (717) 397-3500 cc: James C. Warmbrodt, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Ave, Suite 1400 Pittsburgh, PA 15219 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA Plaintiff vs. JOHN WIMBROUGH Defendant No. 10-4268 Civil Term DEFENDANT'S PRELIMINARY OBJECTIONS TO CREDIT CARD COMPLAINT TO THE HONORABLE JUDGES OF THE SAID COURT; AND NOW August 5, 2010, comes the Defendant, John Wimbrough, by his attorneys, JACQUES H. GEISENBERGER, JR., P.C., and files Preliminary Objections to the Complaint in the nature of a Motion for a more Specific Complaint,'in the above-captioned matter for the reasons hereinafter set forth: MOTION FOR MORE SPECIFIC COMPLAINT 1. Plaintiffs Complaint alleges that its claim is based upon a Capital One Card for an unpaid balance of $4,785.87, but attaches no document beyond a Statement of Account dated September 5, 2009, which states that the previous balance is 3,959.25 and adds a late fee of 39.00, an overlimit fee of 39.00 and a finance charge of $73.06. The Statement of Account also lists the interest rate as 23.15%, not 19.9% as the Complaint states. There is no documents to support that Plaintiff is the Real Party in Interest, the current balance or the last payment. 2. Defendant is unable to ascertain from the present pleading the claim asserted with sufficient precision to prepare a response thereto. WHEREFORE, Defendant moves the Court for an Order sustaining the Preliminary Objections and directing Plaintiff to file an Amended Complaint alleging with more specificity with respect to Paragraphs 3, 4, 5 and 6. August 5, 2010 JACQUES H~. GEISENBERGER, JR., P. C. By: ~-~~ Crystal Burkhart, Esq. I.D. No. 308097 Attorney for Defendant WHEATLAND PLACE 941 WHEATLAND AVE - STE 201 LANCASTER PA 17603-3180 (717) 397-3500 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA Plaintiff vs. No. 10-4268 Civil Tenn JOHN WIMBROUGH Defendant CERTIFICATE OF SERVICE I, Crystal Burkhart, of 941 Wheatland Avenue, Suite 403, Lancaster, PA 17603, certify that: I am and at all times hereinafter mentioned was more than 18 years of age. On the 5th day of August, 2010, I served a copy of the Defendant's Preliminary Objections to Captial One's Credit Card Complaint to the following person(s) by First Class Mail addressed as follows: Mr. John Wimbrough 1913 Baldwin Ct. Mechanicsburg, PA 17055 James C. Warmbrodt, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Ave, Suite 1400 Pittsburgh, PA 15219 I certify under penalty of perjury that the foregoing is true and correct. August 5, 2010 JACQUES H. GEISENBERGER, JR., P. C. BY~- ~ (Sign Name ) - Cr~r s{-~, I gc~Nch ~ ~- (Print Name) - ~"~°^~`e`~ (Insert Title ) IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CAPITAL ONE BANK (USA) N.A., Plaintiff, v. JOHN WIMBROUGH, Defendant ti C r.a C= `a ern M cnr-- rrl M NO.: 10-4268 CIVIL-<> ? co 4° a Z c3-n Q DZ w ?m --? C.00 TYPE OF PLEADING: 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 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR: 08233855 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA) N.A. Plaintiff VS. Civil Action No. 10-4268 CIVIL JOHN WIMBROUGH 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 AMENDED COMPLAINT AND NOW, comes the Plaintiff, CAPITAL ONE BANK (USA) N.A. and files an Amended Complaint, the following of which is a statement thereof: 1. Plaintiff is CAPITAL ONE BANK (USA) N.A., a corporation with offices in 15000 CAPITAL ONE DRIVE, RICHMOND, VA 23238. 2. Defendant, JOHN WIMBROUGH is a individual residing at 1913 BALDWIN CT, MECHANICSBURG, PA 17055. 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. On or about May 1, 2002, the Defendant submitted an application to the Plaintiff requesting that the Plaintiff issue the Defendant a CAPITAL ONE BANK credit card. A true and correct copy of the CAPITAL ONE BANK application is attached hereto and made a part hereof as Exhibit "1." 6. Thereafter, 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 5178057290437677 along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendant. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit 112.11 7. Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to make purchases. 8. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 9. 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 29, 2007 to September 30, 2009 are attached hereto and made a part hereof as Exhibit "3." 10. 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. 11. Defendant subsequently made periodic charges and payments on the account with the last payment made on the aforementioned account occurring on June 29, 2009 in the amount of $153.00. 12. 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. 13. The balance due and owing to the Plaintiff on the aforementioned credit card account as of April 22, 2011 was $5662..82. 14. 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. 15. 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, John Wimbrough in the amount of $5662.82, with interest at the rate of 19.9% per annum from April 22, 2011 to date of judgment and costs. COUNT II-UNJUST ENRICHMENT 16. The averments contained in Paragraph 1 through 15 above, are incorporated herein by reference thereto as though herein set forth at length. 17. Defendant used his/her CAPITAL ONE BANK credit card to purchased goods, merchandise, and services. 18. By making use of said card, the Defendant has had a benefit conferred upon him/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 amounts due as set forth in the monthly statements, attached as Exhibit "3" and as such has improperly retained the benefit(s) conferred upon him/her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against Defendant John Wimbrough in an amount not to exceed the arbitration limits with interest at the rate of 6% per annum from April 22, 2011 to the date of judgment and costs. Respe illy Submitted, 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 # 08233885 r W. V ut 82 A C i O tC c N Q. ? P fA 74 72 O O ca A -Q y C %.6.4 ' 3 .i O O to c3- Lo C7 o Q `.. CIO N ZT GL} T b E i C.3 C) Ck- -C7 H C O m Y m r--.4 ZI 1+ Z ?VJ _3 U ( `V 74; U3 C) a Ap G!l m Q. V J " m Z p aT o as -? ." :o a Q3 03 O us is - ---- uno ioN 00 L 3tiil Q llOfl 3H1 JNOiQ 010 3St?3ld - _ [? aJ1 "-- i-n u i O _ 03 H a' C\t ? H c4 CD -00 Ln s p 1-4 aj Lo tf) --?-?-- ?, _ Lf) _ v 00 ?.,... tin G, to Q G o 1 •'Capital One Auto Buying. makes car-buying easier. Because you're already a Capital One" customer, you qualify for special, low, No Hassle pricing ? Low, No Hassle pricing on a huge selection of new and used cars at ? No negotiating needed • • exclusive partner dealerships near you. Less time at the dealership, a quick buying ? Huge inventory of new process, and a great low price all add up to our and used vehicles lAfbHassk No Hassle promise when you buy your next car. FINANCE Pre-oars Bahr Paymatd @ Cmdto CHARGE 52.855.61 -?WO 000 53921 Sep 05, 2007- Oct. 04, 2007 Page 1 of 1 Transactions New Bslaoce Maatvsn Pavmett Due Date $0.00 ?= 52,38882 571.00 `Oc.29, 2007 nu'A M a u im Im Amoter I %I.SWCard Plus- Accost 5178-47572-9043-7677 Ycu Ai-ornt Iotornucm TOTAL CREDIT LINE ,20 TOTAL AVAILABLE CREDfT 5$86108 CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $861 18 / Fuze Crmgm (Flux sec revuse far unpona t Ed Batiste. rase Paedw Corr?pno INANC applied to rate APR -CHAR Purrhasa 52,402 59 0 040387th. 14 74% $2911 Cash 5252 83 0 0540850. 974% 54.10 ANNUAL PERCENTAGE RATE tippled thus period. 15 01 A, Yasr Service 1-8110-903-3637 in call Cunower Retanaa ar to repot a lost a stolen wrd Par-ft CM&13 d Admako-o 1 13 SEP CAPITAL ONE ONLINE ACH PA YMENT $251.• ?} 2 01 OCT CAPITAL ONE ONLINE ACH PA YMENT 5250 00- Chest Ihs out - jug a quit sander that yots accouN nrmba has changed. So activate yaar card, and if you've set up aammaee pwjma s -th any madraaa o uthoo, be sue to give thin your mw n-ber Thar wry, you Caput One c.d wig mmr- W awarr-d1y Pay you bdb, -d you will <a-we to save u- t W mo my As always, I I for dmooV Caput One. ® Said pyaarb to CapW Owe Bank fi P 0 Box 70884 fi Chmlone. NC 21272-0884 Send mq- to CapW One h P 0 Box 30285 fi Salt Lake City, UT 84130-0285 ® Have a grmsoun A.W a charge - your tww-aitl Pleare rd to dm Bdlatg Wgha Sumaary - the beck of oar na-d or 6056 506 1 07 4 011004 PACE 1 st 1 OIDM054 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE /.lL_? 5178057290437677 04 2388820250000071000 "Y°o I wisat'sInlouvwllaT- New Balance Minimum Payment Out Date $2,388.82 $71 00 Oct 29, 2007 PLTHIS AINOUNTLEAST Amount Enclosed Capital One Bank P.O. Box 70494 %43027/6 Charlotte, NC 24272-0884 .=27208111464r% 8233855 Account Numbed178-0572-9043-7677 Phe Rd*- or pttsxts U-10M charge Ddow wig hlw or Mack bWL Addw print ress Horne Phone Alternate Phone E-mail address LZ$ 19027907S$160909" WAIL ID HOMER low Yi118R000N 1001 Sycolin Road Suite 6 Leesburg, VA 20173 3.4201755% I LO Please write yew account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. rbw,a awdd. Flwwa. Clw.ra to or.a. rwl.a vwu.dd n....w..wWw y.o. P«oeda ayw.dbw.n.rww an.ra. sn rw Pudmaaa. new brr+c. arNwa, rw a..d Pwddrr.nd rw aarw deq.w ? Ya. PY YN a.a.'Nw. a.I.rroa'. n .¢e.danw wAb M 4rrP.rer. q.aea fw Pwrn..? babe, and iw erne M rb M eatlMd M ywr P•w•w'd av deb Th.w.m Pr prbda grl ad..nga and aPW Yarwlera M aeMwt rmm e b V•.• Pared on a•y b.rscbn d you do wP., M bet "Nw W W w' o Aoauby Flrmrra Choga. 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N wgMt-wned D 20M Cw wi Ow Tr r O1cwWee-I-Ow - dntpolfaot Noiryaaat you and to m witl be oaldded to yon aocoum a of The bemenesy day we rreve q prdwded (3) you sad the 6atba pm- of do staleat and yo or cbKk a the meloaed teamm? awdope old (2) yow peymwd n received mar ptorzaary cater by 3 p d T(12 rmme m. Plea allow is La Bw(3) bdmows toys fordpaorsad d?vwy Paymeo4 teodved by w at ary aiw lotaeat ar m of lb. e do mot d s ire Mmdry tMw?l Saaudq. adrdn8 u.eeen be -Aamd 0PIM pqW a ddFM - v ham Wq nng ? pWrsant 8233855 Capital One Auto Buying'. 500" makes car-buying easier. Because you're already a Capital One' customer, you qualify for special, low, No Hassle pricing W ? Low, No Hassle pricing on a huge selection of new and used cars at w No negotiating needed o exclusive partner dealerships near you. Less time at the dealership, a quick buying ? Huge inventory of new process. and a great low once all add up to our and used vehicles LIlVOHaSSIB No Hassle promise when you buy your next car. FINANCE Previous Balance Payments" Credits CHARGE Trmactios New Balance Minimum P--. Due Date $2,855.61 -? $50000 rj $3321 ? $0.00 =?$2 ,388.82 $71.00 ??OCt. 29, 200J Sep. 05, 2007- Oct. 04, 2007 Page 1 of 1 MasterCud Ylatinum Account 5176-0572-91)43-7677 i Your Accouru lnformaboo 1 TOTAL CREDIT LINE $3,250.00 TOTAL AVAILABLE CREDIT $861.18 i CREDIT LINE FOR CASH $3,250.00 ,AVAILABLE CREDIT FOR CASH- $861 1l?, r France Charges (Please see reverse for important ,n \ooolldjjj))) t Balance T. Periodic CorresoondmgFINANC1 applied to rare APR CHARD ' Purchases $2.402.59 0 .(A036'/L 1474% $2911 Cash $252 63 0.05408YL 1974: $4.10 ANNUAL PERCENTAGE RATE applied this period: - IS OI At Your S- l-SW-903-3637 To call C istomer Relations or to report a lost or stolen card. Passtrm. Credits & Adiustmerttt 1 1111;i P CAPITAL ONE ONLINE ACH PA YMENT S25000- 2 01 OCT CAPITAL ONE ONLINE ACH PA YMENT S250. (X)- Check this ow -just a quick reminder drat your accohrn number has changed. So acuvate hour card. and if S-5c set up sutomWC Pmmerus with any mvn,hams or utilities. l l to giye them your new number That aav, your Capita One cud will continue to aulomaucalh pay your bills. and you will continue to sage time and rrrarmv. As always. thanks for choosing Capital One ® Send paymenn to: CapsW OM Bank fi P.O. Box 70884 fi Chmione, NC 26272-0884 ® Send inquiries to Capaal One fi P0. Pox 30285 fi Sall Lake City, UT 9413"285 ® Haeuve a que, lion about a charge - your statemert? Ple refer w she Billing Rights Summary our the back of your statement ar vissww carhiralnne cmtrdicnr±us 6056 Sob or 4 071004 PAGE I of 1 01~56 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 5178057290437677 04 2388820250000071000 c°!wa°o'e I nANYlrnyourwaleth- New Balance Minimum Payment Due Date $2,38882 ?I $71.00 Oct. 29, 200 17 ---- ?_ ` J PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70884 3"302% Charlotte; NC 28272-0884 %262720884447% Account Number517"572-9043-7677 Please print address or phone number changes bokm using blue or black ink. Address Home Phone Altemate Phone E-mail address Q e9027807S816090941 MAIL ID NUMBER ]OHN YIMBROUCH 1001 $ycolin Road Suite 6 Leesburg, VA 20175 %.201755% 8233855 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. t. r1eP b Avid • Fi Ch. l to traw ?wra Yarw M.,armgmrur.v q,bddn nays amM.d Mn.a eNrpa m n..r p«eMa...:r.w bahrro nwm/.,a. neP twat lr,adue.a w ,.... Ga.. e+.a. ? d sev qr W . r ba•X.P aa4rw•, a aawrdrw vM art ImgrE+nl Nsrc , M gymanr below. and i, r,ra rot d b ba vadrd M Ww grnranr dw oar TMn r q pw W oa on --N aMarbe aM apwa trwra. M addm , M,? h m va q4d on nX arrwctm d rev do Nt qr dw a+W'Naw e.rw. e AccrYina FlNnu cna.a.. 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E,.r. is .urn you need more rr(bnrMm. a drbiPLm d 1M dam you an uMwa tbO,A Noy de Nt , bvt N, oay w mgryrsfMn whYC w ea encwga iL you ON miq arc ON ..lm n qv tnc parts of your bN dta an M b twsslbn. whir w -6,- Y- t qusu?m, w ompl report yp a danr0vea or Irre snY tarnbp a R N t. ? Snttie RUW Rrr for C -M Gad qurdr+ra X yw Nw a p.mtam .ern rM ,pwrey d ttop.ny r wviow Mar ya Purcnea.d wEn a mwr ad rb you Nor Men M good hrn w .:wrw.Y w: puetwn.nM rY nr?wdwnl. yw my Mw rw rhfl b pay Me rar:a,r'.ra am«a4 due, dp property a eaMf 5 V<ru I d4 prdosdon mN vdwn dr pundree rwa mat MansSo ]50.00 w Me -h.- h w made b Ww home sty., aapPrah th u n, chri rn, w d E yovr, Based 4rp Y°, nrr aMr?.rawn-ic (uWawrt W a dra VopnM Y n snNM. . ml rumaaae am mYered rogrNew or Amur a r+?ro,r a pwrnAw ! Pmaw enrerneer b vql nx mnaspordrSe. I Ol- M/ pWY b uYUV ran ronr:rndir urd au'«ads t Dues nor AA* b oust csc rronaealr card artWnre Capeal Ono aupporr rd«mabn Pdvary w {aotacren. ssa our bdr at a?,ppWmr.?rr Ciou ow hat any rwr WOI wrvrca mwv a Cwpea 0" Finarr W C-Trion. AY k*. -,.d L 1006 Caaat 0- I mponmi 6-t-0wtger tioBaynsaus you haul to us wdl be credited to yow ac0oont as of the business day we receive IL prodded (1) you send the bon" Pornort of Bas garment end your check in the enclosed renutlance envelope and (21 your pavmeol is received in ow processing cem by) p.m Er (12 noon M. Please allow u least five (5) busuess days for tN delivery. Payments received by us at art" other locahorl a to unv odor fagot be uedued as of de day we receive them. Our business dart we Mondav Lh wgh Suusdav. eecludmg h lldavz Please du rrw use sleples, pap. clips, etc. when preparing your pin- 8233855 1.1n : what's to your walleir It could happen to anyone. Make sure you pay the amount JOHN WIMBROUGH -10 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 SETTER INTEREST RATES (good credit could mean lower nterest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ® 1006 C-pits! Our .Loris. Inr Capua! Onr x a frdrra!!r ,rautrrrd urwcr mark. AU rid). ,:sen.r 4 5000W095m FINANCE Prenme Belsce Peymenb d Credtb CHARGE Transactions New Balere Mmimnm Payment Due Date .82 $0.00 $32.3 I I+ 539 00 - 52,480.13 5144 00 0 2007 Oct. 05, 2007- Nov 05, 2007 Page 1 of I MmterCard Pleb . Accoum 51784572.9093-7677 Your A-i Irdonnabon TOTAL CREDIT LINE $3,250.00 TOTAL AVAILABLE CREDIT $789.87 CREDrr LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $789 87 I-, Charges (Pieria sae reverse fa onportnnt udorn alunct, dto rtaoR Ac c°`ta'A p°ndmgFCHHINANC B AAR Ptrdrscs 52,157 89 0 0403M 14 74% $2788 Cush 5256 24 0 05408yd, 19 74% $443 ANNUAL PERCENTAGE RATE appbed dus pmod 16.06 JM At You Serwce 1-800.903-3637 To call Customer Relehae or to report a lost or stakn rend Your ai-xi is one payment behind. Remember that making your mmetun Pgssrctes In One due date li, m your account m good standing. Fuller missed papnents thus be reported to the national atilu buaeue So make sure you sad m the rmnwmi v arndml due to keep ymo account in good stmiduia velmponant Notice' You>t account was past due. Under tie tesea we Previously d-k..d to y-k ifyou sec 1 e Pest due assn n the -a 12 Wing jck., you A-.W Penxaraga R.. (APRs) may o cnose. Pavraeog. Crekb Q Adtnntrnmu 29 OCT PAST DUE FEE 53900 ® Sad to YOU were e5sened a Past due f becaiee you mi amum p.ymeii was not saved by the doe doe. To evod Captal Om Bank fi P O Bmc 70884 6 Chorluue, NC 28277 Af .„ *' raOr"'4C°d yt"' WOM' a[ last 7 busascas days fa your mmtmun Payraaa ro readu AV." One A Send mgi-s to Capta] One fi P D Bon 70285 fi Sah Lk. City, UT 84130-0285 ® Have a quesnm A" a cLaga on y- usico esri Please miler to the Billow KWO Sunimvy on the hack of you ruses" as or 603a Sa 1 07 4 971105 PAr:e 1 of 1 0111056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONECOM TO MAKE YOM PAYMENT ONLINE C-PW-Wo (whit's in your saallet7• Now Balance Minimum Paymient Due Date 52,480.13 3144 00 Nov. 30, 2007 PLSE PAY AT LEAST HIS AMOUNT Amount Enclosed E=- Capital One Batts P.0- cox 70884 '.x9734'/. Ch-letter NC 28272-0884 M'720884Ur/. 8233855 0 5178057290437677 04 2460130250000144008 Account Numb&6178-0572-9043-7677 Plrae pint addm" Of PMane number WnOea below using blue a block bilk. Address Home Phanue AJtemate Phone E-mail address 0 1903UM7581609015f NAIL ID IIMIBElt 1001 Sycelia Road Suite 6 Leastwry, VA 20175 %"17557.4 Please Yrrlte your account number an your deck or money order made payable to Capital One Bash and mad with t N3 coupon in the enclosed envelope. ? IrrrAFar.FinWea a.rw. T a or_ p.rlsl yerl Wl laN. i?rb«m 0.?. VbaA d n d.y••Il•id r.mc. ctl.IV• «? lrw ar.da.Fa. n.w 0 YuP.. n.w.p.eY pr? sa.sF nw. e.ir w.no. Gbprvu p.y yow bM •Nw afra'. b amod.nP vdh M Wry«aa raFFC. far Pymrr baM, and In ama b eb W a...rd P w•r PPrr^t er ay.. TNn is na va• pane an wr.err.. .nd brdd Valrlaan. M add.en. mr. r r W.b P•o• W arry innaadyiri n you do net Pi M bbl'Nar bahnu' 6 Avnbla FlnWtl Ch.r9.. TeanrGMS sMhr M nd sekJ b a v,ra Prod as rsrrd M1+/e+tlr9. ? 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FINANCE Prevwos Balance Pryroertb d Crodds CHARGE Traseacbotu _ New R.L- Mronaun P-A Due Date $2,460.13 $700 $58.40 . $588.98 =r $2? 907.51 l $87.00 j pet 2g. 200 j Nov. 06, 2007- Dec. 04, 2007 Page 1 of 1 MataCerd Plmtun Aaaan •(>• •_ •• •[••••,•• ••.••_• S ( 78-0572-9043-7617 Ya.r Acc...t (nformabon TOTAL CREDIT LINE $3,25000 TOTAL AVAILABLE CREDIT $342.49 CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $342.49 Fmerim CherBes (Mcs sae ravaso for rmpw n m B.1'" rate Penodx Cm? iNANC k appbed to rate MR °?CHARG I Purdra 52,421 62 0 07507XD 27 40% 552.72 Cash S26097 0 0750714/3 27 40% $568 PasrhhWdt Credta R AdnabnaLLs I 04 DFC CAPrrAL ONE ONLINE ACH PA AabDae 04-13 EC 5200 0 - 24NOV VZWRLSS-IVRVE FOLSOM CA 5365611 26 NOV COMCAST CABLE COMM 800-COMCAST CA S19438 30 NOV PAST DUE FEE $3900 { ANNEAL PERCENTAGE RATE apphad tin Pend. 27 Under rams prmaety dadowd to you, some or M of your Annual PeruvYge Rates (APRs) hwe Gem ascrexed sa w your arasnrr was pwt doe twee m the Pb 12 blme eyrla try- ra4s have abeadv At Your Service 1-80Q903-3637 m craml, submqu dchnq- =tended the dunbon of the mamW rues Rernember B we retort ® To ca0 Cwtomer Rduo or to report a on or atolm card your moor et rounidy payment on orne for 12 oawxueve btmrtg cyder, due atcaml wdl be -d fa a possible reborn to your Non-Introductory APR. ® Sad Paymenb to. Cap ni One Benk fi P O Bas 708FA fi Cherlute, NC 28272- You were ar-sed a Pat doe fee b- your -- poyrnent was - reaaved by the due data To --d ON& fe th t e m e Wre. we recd nmend that you allow w 1-17 bwureas days 6x your rrrvamum paymen to -:h Gerul Om A Send atq- us Captal One fi P O Bar 30285 fi Sdt lake Cwy, Ur 841300285 ® Have a 9ucshon abed a durge -y- stueaan•! Pkac rder to the BdIlag %9b1S S..Wwy on the back of you s18ter0da a vatwx1modakoLzmawtsmifts "S. Soa 1 07 4 071204 PAGE 1 of 1 01046054 PLEASE RETURN PORTION BELOW YOM PAYMENT OR LOG ON TO W W W.CAPITALONECOM TO MAKE YOUR PAYMENT ONLINE C-PMWO Y I whars m Wa sheltet7- New Balance Minimum Payment Due Date C$2,907.51 `??$g8g7? 00 Dec. 29, 2007 PLTHIS AAAOUNTLEAST Amount Enclosed --J Capital One Back P.O. Box 70614 '44363% Charlotte, NC 26272-0864 %282n0884Mr/. 8233855 0 5178057290437677 04 2907S10200000087002 Account Numbef5178-0572-9043-7677 PNass Print address or Phone munber cbangss below wakM bkw or I k*- Address Home Phone ANemate Phone E-mail address CD !9033907511609094! NAIL ID NUMBER JOHN WBORMC31 1001 Sycolin Road Seite 6 Leesburg, VA 20175 %201755'/. 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. PIP - 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 its braces or laser eye surgery, we can bring medical costs into focus! Visit capitalone.com to learn more! 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Cap O. ba Manta mgr brow rrrd cap" Flrnr Cape- AlnWa-.d. a 2DW C-.d One hbpM" Ndapltlmb Via mW to to wNl be aedlted m yow wcw A m of ale blelrea day we ro ve ti,, n (I) Ya smd thb bomm pubm of the atdmlM abd yaNr alert tb the arload rarNmbee ®relbpe and (2) ynr prYmaN a racer n wR yranseg crNQ by 3 p m ET (12 mmi Pf) Pleaaa SUON .1 leer fire (5) Merles dove for poeul d?nay Payblaas spared W lr r sry aY?ym loearioe ae m ary ether fpl be aadtted as d fie day we reoavs than Orr bm? lake ere Maley >iratgl+ Saturday, eulud,bs hoYdays Pleas do nq uye raple. M- bin, e.Te. what prw-.% your payrw+r 8233855 - • Capital One Auto 50 Buying' . makes car-buying easier. Because you're already a Capital one customer, you qualify for special, low, No Hassle pricing Low, No Hassle pricing on a huge selection of new and used cars at No negotiating needed • • exclusive partner dealerships near you. Less time at the dealership, a quick buying Huge inventory of new process. and a great low price all add up to our and used vehicles CJNd Hass No Hassle Promise when you buy your next car. FINANCE Preslas Balance Payments dt Cre&ts CHARGE Tr>msatban New Balance M__ Payr mrd Due Dade L$2,907.51 -? $32708 ?. $70.38 + $473.28 = $3,12405 $9300 Jan. 29, 2008 Dec. 05, 2007- Jan. 04, 2008 Page 1 of 1 avASt rw u uu7 nos w,ranr MasterCard Plot- Aa t 5178-0572-9043-7677 Y-r Accoum Infonraum TOTAL CREDIT LINE $3,250.00 TOTAL AVAILABLE CREDIT $125.95 CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $125.9 I r aOOCt Charges (Pksse see rever2FS.64 m nS Baiancernre Pm"c FINANC apphed to rare _CHARG Pu,,hm- $2,794 Us 007438.43 Cash $25726 007438%D 2715 % 559is ANNUAL PERCENTAGE RATE appbW depenod Z7-1j AIYeur Servtcel-800-903-3637 To cAl Cmt- Relations or to report a loaf or onim -rd Panbalb. Credm d Adtrau•t ft 1 IO DEC PURCHASE ADJUSTMENT S3910- 29 DEC CAPITAL ONE ONLINE ACH PA AndtDme 29-D EC 210000. 3 29 DEC KOHL'S 00313 LEESBURG VA S18898- Traosacbons 4 IODEC COL-HOUSE VIDEO CLUB 800.262-2001 IN 53810 5 21 DEC COL'HOUSE VIDEO CLUB 800-262-2001 IN S2750 6 22 DEC KOHLS 80313 LEESBURG VA $21922 7 22 DEC KABOOM LEESBURG VA $3449 8 22 DEC AAFES/ANDREWS HME TRAD CAMP SPRINGS MD $5195 9 24 DEC MACY•S EAST#0101 DULLES VA S6300 10 04 JAN OVERLIMIT FEE DEC 26, 2007 53900 ® Sad payments o Capital One Bank 6 P O Box 7(8r84 fi Cl d ft, NC 282724)884 ® Send mganes to CaptW One fi P O Box 30285 fi Salt Lake Crty, UT 84130-0285 ® Hare a graesnoa abaci a d-ge - your amonmrt Ptan refer to Ow Bdlmg R4:bu Sr w ury w the back of ynrx smtwa t or nbpy-w e+. Wmo coinidsWita -5. so$ 1 07 4 OM04 FACE L of 1 010"Me PLEASE RETURN PORTION BELOW WnH PAYMENT OR LOG ON TO WW W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 5178057290437677 04 3124050100000093007 CM21ta/iow I 'Wars inyanw4ller Account Numbed178-057241043-7677 New Balance Minimum Payment Due Date 12 5 -l $3 ( $93 00 Jan 29 2008 PNew print address «phar numbw cherg•• below veiny blue «black Ink. Addr= , . . , J ? --- -- PLEHISEAMCI NTLEAST TH Moms Phone Alternate Phone E-mail address a Amount Enclosed ?9000507581rr09091t NAIL ID NUMBER IOM VD11110000N 10 02 Tulin Road Capital One Rank 1 P.O. Rox 70884 %40291A Leesburg, VA 20175 Charlotte, NC 28272-0884 M201755% %282720884MTN 8233855 Please write your account number on your check or money order made payable: to Capital One Bank and mail wrth this coupon in the enclosed envelope. t - 1 - i i b..ib. 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IPleaae see rewrae I. mporiml nfonnes xil Balaroe rale Parodic Cmespardirq FINANCE oppied b rate APR CHARGE Pwahasee $2.66776 0.07239%D 26.40% $59.82 Cash $252.73 007233%0 2640% $567 ANNUAL P6tCFJrTAC# RATE applbd Mars P4rlod: 28 ® At Yow Eerviu iJOD9W-7837 To d Claleerr neleEors a b regal r ten a rbNn ad ® Send Pe"'..6 te: C.0" 0. R.* IT P O B. 708848 ChM.&. NC 21IM44114 saw inilid tes te. CcP4rl0liell P 0 Bm 30285 a Sdt L!0- Cih, UT 841300285 ® Haws question about a d aMe on your souRBA 7 Phase Peter b sw Hlip RpMe Summary m Br back of ywr stabnr•d v vie4 Pa yments, Cleft & Adiusbiente 1 04 JAN COL'HOUSE VIDEO CLUB 800.262-2001 IN --.. --- fie 10- 2 05 JAN CAPITAL ONE ONLINE ACH PA A.90sla 05-J AN $25000- 3 11 JAN CAPITAL ONE ONLINE ACH PA AuEIDab 114 AN $250 p0. 4 26 JAN _ COL'HOUSE VIDEO CLUB 800-262-2001 IN $27.50- 5 28 JAN CAPITAL ONE ONLINE ACH PA A,00.1. 27J AN $250.00- Tr woutio ns 6 16 JAN UNITED 0162169812208 ROSEMONT IL S446,50 TKO- 0162169812208 PSGR WIMBROUGW. OHN ORIG WAS, DEST LAS Sf0' 0 CARRIER. (JA SVC: Y ORIG' LAS, DEST WAS SIC. 0 CARRIER. UA SVC. Y 7 25 JAN HAMPTON INNS GETTYSBURG PA $5965 ARRIVE 017244118 DEPART 01125418 FOL" 000018140 PHR 71746947631 8 02 FEB COCHOUSE VIDL-O CLUB 801262-2001 IN $27.50 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPRALONE-COM TO MAKE YOUR PAYMENT ONUNE 0 5178057290437677 04 2937590250000088006 C-Apinalaw whar. n wv wwsv' Account Number: 5178-0572-9043-7677 New Balance Minimum Payment Due Date 52,937-59 588 00-? Feb 29, 2008 Please pr„r addr? w ph--I- 6-V- b.1- ? Mw o blade nk. -b PLEASE PAY AT LEAST THIS AMOUNT Ha.,. Pkv?.: Aift- Ph- Amount Enclosed #9003707581609094# MAIL IO NUMBER JOIN YIRBROUCX Ca tat 9ne Bank 3001 syc.. Road IT P. 0. 80: 79a41r '4060' Suite L Charlotte, AC 241272-08114 Laesbvr•g. 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FINANCE Previous Balance payments i Credits CHARGE TramurSforha Near Balance Minimum payralant Due Date 52,937.59 - 5127.50 56790 - t C5545.60 =3,423.59 5173.59 Mar 29, 2008 Feb. 05. 2008 - Mar. 04, 2008 Page 1 of 1 - nfrY n?n urtt 1N6 aaraarr MasterCard Pla*ulm Aaount 5171149240434877 Your Account Informallon TOTAL CREDR LINE $3,250 00 TOTAL AVAILABLE CREDIT $o 00 CREDIT UNE FOR CASH $3,250 00 AVAKA8LE CREDIT FOR CASH $0 co Finance Chages (Please see Teresa for imparted nibmabo l) Balar"rare Periodic Cwespq*v FINANCE appWd to rate APR CHARGE Purchases $3.04307 0 07098% D 2590% $62.62 Cade 5256.65 0070%%D 2590% $528 ANNUAL PERCENTAGE RATE applred thb period: 2590% ® At Yow Service 140840-M37 To of Cmbes Releeena v b ravel a bat a abbe 4d ® sow p yineft to. Cep41 One BMUSAt.KA a P O Bm 70M f clurio 8, NC 2BM48M 9 Swat I^q- to Cv" Ones P O lim 30295 4 Sad Lase City. 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Credls & AdlwbneMs 1 26 FEB CAPITAL ONE ONLINE ACH PA AWhOate 25-F ES -- - - $100 Co- 2 27 FEB COL'HOUSE VIDEO CLUB 800.262-2001 IN $2750 Transacdo s 3 10 DEC TRANSACTION REBILL WO-262-2001# -- ._.-_...- f38 t0 4 08 FEB BUCKLEY ODR BUCKLEY AFB CO $275.00 5 16 FE13 SUNOCO SVC STATION ELVERSON PA SS7 5o 6 18 FEB SF$TZ 00002675 LEESBURG VA 539.00 7 27 FEB UNITED 0184066870305 MUMBN, 400061L $100,00 TKa. 016406687M PSGR' WIMBROUGWWOHN ORIG XAA, DEST XAA S10 0 CARREL UA SVC Y 8 04 MAR OVERLIMIT FEE MAR 04, 2008 $39 00 YOur acorn" has gone owr is aeds last To grad addiikV orer1im6 feet, pbaao pap -Dh to biry your balance below your Oedd 8mtt anraediatdy, ,,it make sleek you renal below yos aeda Ii rw, Please be Swe b aocant for any f ltia, pndlases, teas, and fr11K'e charges PLEASE RETURN PORTION BELOW WON PAYKIENT OR LOG ON TO W W W CAPITALONE-COM TO MAKE YOU* PwYMENT ONLINE. 0 5178057290437677 04 3423590100000173593 ?11C' I .,h.ra io your „v.?kr7• Account Number. 5178-0572-9043-7677 New Balance Minimum Payment Due Date 42359 $173.59 Mar. 29, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed "i-e War address w ph- number dh-gn below raw9 bk. er bias Ink. 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Dear JOHN WIMBROUGH 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 Caprtal OW' 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, I-- A ?. P. Taylor Jamison Director of Accounts ® 20OR G pmd One Seroua Inc Capin( Owe u a fedn Uy regummd -e mark All ngbu reeraed Auto Loans I Banking I Credit Cards I Healthcare Finance I Home Loans I Personal Loans I Savings I Small Business MEW AM7 823 Visit www.capitalone.com to explore all of our No Hassle products and services. j We're evolving to keep up with you. 8233855 Capital One Auto Buying- 5001° makes car-buying easier. Because you're already a Capital One' customer, you qualify for special, low, No Hassle pricing Low, No Hassle pricing on a huge selection of new and used cars at exclusive partner dealerships near you. No negotiating needed Less time at the dealership, a quick buying Huge inventory of new process, and a great "ow price all add up to our and used vehicles No Hassle promise when you buy your next FINANCE Previous Balance P"ments d Credits CHARGE Transactions New Below* minkno n Payment Due Date - ON) $3,423.59 --$250 00 + $72.90 $383.02 = $3,629.51 $379 51 Ar 29.2 Mar 05, 2008 -Apr. 04, 2008 Page 1 of 1 nfaY en M lf,M r16 arpMT tttaeNlCard Ptafiwm ACCOINN 517643724143.7677 Your Account Information TOTAL CREDIT LINE $3,25000 TOTAL AVAILABLE CREDIT $000 CREDIT LINE FOR CASH $3,25000 AVAILABLE CREDIT FOR CASH $000 Finance Charges (P~. re.eres tar imported ofvmwon) Bel-mle Periodic C--W-- *v FINANCE applied to rate APR CHARGE Purchaees $3,15849 005890%D 2515% $67.A6 Cash $25486 0.0(5690%D 25.15% $5.44 ANNUAL PERCENTAGE RATE applied this period: 23.1516 ® At Your Service 1J08903Ja37 To d Cu.wmw R.Maww w b wPwt • M w mfr, W ® Sand PaYmwft to C.OW Ores MNSAkNA t P O Ben 70M it Ch bee, NC 262724864 Send Irlqu I" to. C•pW On.A P 0 Sm 30265 a Sal LOA City. UT 84130-M Have a question dmt • chaMean year tdsia.NUa7 Please ref( b 6le Banq F2ighk SuRaary rn U5e lurk d your dairnwA v wal WMLQMaAMLGQMff=UttA Paymerlh, Croft d Adiushnants 1 18 MAR CAPITAL ONE ONLINE ACH PA AulhDam 18-M AR $250.00. Transactions 2 27 MAR VZWRLSS-NR VE FOLSOM CA pµ p 3 04 APR OVERLIMIT FEE APR U. 2008 $400 Your accowd has 9v war As acid ket. To avoid addi0ond ovedmit feet, place pay mou0h to orry your balance bsiow your credit Tesrl wwriedumly, and make sure you remain below I= cmat lint Please be sure to acaurti for any future purchases, flee, and finance chatim. PLEASE RETURN PORTION BELOW WIM PAYMENT OR LOG ON TO W W W.CAPRALONE. COM TO MAKE YOUR PAYMENT ONLINE ?Ye'?Vr(G I weer': m Yew wallet>• 0 5178057290437677 04 3629510250000379511 New Balance /Minimum Payment Due Date 53629.51 I $379 51 Apr. 29, 2008 l PLEASE MY AT LEAST T415 ANIOUNT Amount Enclosed , Capital One Bk4USA1.NA P. . 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FINANCE Previous Balance PayrrwMs It Credits CHARGE Transactions Now Balance Milkmen Payment Due Date F 53,629.51 - 5500.00 * 576.79 + 578.00 = 53,284.30 598.00 May. 30, 2008 Apr 05, 2008 - May. 05, 2008 Page 1 of 1 - nwT nn Ar lUw nr6 e.uonxrr MasterCard Ptathtum Account PaymNNO. CrWh 6 Adjulitinenti; 5174.05724e417677 1 01 MAY CAPITAL ONE ONLINE ACH PA AU110de 01-11 AY 5500.00. Your Account bnbrnlatlon TOTAL REVOLVING CREDIT LINE $3,25000 Trmsacum 2 29 APR PAST DINE R3: S3900 TOTAL AVAILABLE REVOLVING CREDIT $000 3 05MAY OVERLIMIT FEE APR 29,2008 00 CREDIT LINE FOR CASH $3,25000 You we aeeu:sed a pad due b because your ninirnan payment war nd received by the due dare To AVAILABLE CREDIT FOR CASH S000 amid On bar n tlue fuses, we recornruerd tW you aloe al least 7 tKNnf1B66 days br your m.ilrNl'I payment b readn Capital One Finance Charga s (Pfeaee sea reverse fa.,p rtat Momuim) Balanoe nab Paio6c CoTapoMYq FINANCE appfed b nab APR CHARGE Pwchasec $3,33611 1; 05800%D 2515% U130 Cade 5257 21 0 06890% D 2515% $5.49 ANNUL PERCENTAGE RATE spialbd"period: 25.15% - At Your S-" 1410IMM 31137 ® ?.7 TodCumna!Yirouabnoal?bdadofnurd 0 Sand pywwnb b: CAP" OP. "US11NA a P O Elm 70864 b Qui ionu, NC 26272-0864 9 Send tnquiri.e to. CWWOnAP0 Boe»iS.NLdw Oly,UTeH30,M ® Haw a que dlon about a charpeon yon dNbmed'7 P6mbr b tw Blip Rideta Summery m the bad d your dalwrwnt or rwl PLEASE RETURN PORTION BELOW WITH PAYMENT ON LOG ON TO W W W.CAPITAIANE COM TO MAKE YOUR PAYMENT ONLINE C. I,~, m,yw wWkl7• 0 5178057290437677 04 3284300500000098003 New Balance Minirreum Paymnn Due Date $3,284.30 $98.00 May. 302008 PI EASE PAY At LWT THIS AMOUNT Amount Endosed r JI C..-Cal On• 8k(USA).NA •4151 P.0- Box 70884 Charlotte, NC 26272-0684 '28m0SX4P47' 8233855 Account Number: 5178.0572-9043-7677 Iles. prwd address w phone nnanbw du a ges below usng blue w bled v*k H Ph- Afrr.wx PAwr E-..11.7 adbvn ? x79012707581609093# MAIL ID NUMBER JONN YImBR6UGN 1001 Sycolin Road Suit. U L...bU19. VA 20175 '201755' Please write your acmunt number on your died or m iniiey order made payable LID Caprral One Bk(USA),NA and mail with this coupon in the endosed envelope. ,. 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Y- ou hew PI.-d. adf' drwM purdbw p'w mwe Mn 530.- .00 bd M Pwd+ws.rrb brrw dale ar•itir 100micadYertn aetlw•. IRw e•rr «apw•le M -d-* w R w ru•bo ir wu M FOr•riR.nfrttrM Property' w rrrna Y Owdre•.. re poYwed reperdbw N rroui w bolbn d pwclbr) pbas. wmwbl b rqr r am•ep•rdrra Owe M apply b coraunrr nernvetl. wN.wa.b Oe.erwt.Apy,oburn.wn. -WFwd.w.rrrb OapYl Orr eupporb Yeerm.rm prrwr, ? pobc?vn w a•r •ebeb .t SNd,pt?,0lm, caper a.... beraM wob..e...o nww dGapw or. Firr.dl Co-pprabpn. N bb rwYM. t 1MB OaPlbl Orr 01 OYl03S -1 -OM00Y WW~ --It br.rf.irdr+rw..rYwde?bw..rir?r..w.drr•.rAferarsirs:.dbwws+rR wry br7Pa ET(ttab•P11 P)ew efrbbwtiw(5)bld.reN.bfadebbw Pb•wrbwryrdmldlulaY.wn mJd«b.•m /?w`wiMN>br«lwrwwa M.0.bw?bewibb/4.M8d.eM. wleiefrere Pbw4?Nwelyb, swedes. t. dwPTMrweiw- 8233855 Capital One Auto Buying- 5'0"* 1 makes car-buying easier. Because you're already a Capital One' customer, you qualify for special, low, No Hassle pricing Low, No Hassle pricing on a huge selection of new and used cars at exclusive partner dealerships near you. No negotiating needed Less time at the dealership, a quick buying Huge inventory of new orocess, and a great tow or'ce all add vo :o our and used vehicles No Hassle promise when you ouy your r•ext car. FINANCE Previan Balahtx Payments S CrWifs ?- CHARGE Transactions New Balance ANnbwxn Payment Due Date 3284 3284 0J- $250.00 $67.53 ?•` $7 08` 0 = 179 83 - $95.00 Jun 30, 2008 May. 06, 2008 - Jun. 04, 2008 Page 1 of 1 { n1Ag ne u unsl me rAnrHr MadwCwdPWinumAaount - --- sva-nnao4s.7m j Your Account Information TOTAL REVOLVING CREDIT LINE 53,25000 TOTAL AVAILABLE REVOLVING CREDIT $7017 CREDLT LINE FOR CASH S3,25000 AVAILABLE CREDIT FOR CASH $70 17 Finwice Charges (Pi.- see reverse for vrportant information) 92i-rde Perwdic Conrriwdirrg FRANCE aped to rate APR CHARGE Purchases $1,Od2.30 0 06822% D 2,11011 $62.26 Gash $257 48 0 06822% 0 2490% $527 ANNUAL PERCENTAGE RATE applied this pwW: 24 e0% ® AIYow Swvise 1-800.003-0077 io tint LYYwnw Relator ar b nporl a totl a strien cad 0 Saud Prymerda to. God Orr NUSA) NA A P 0 Bm 70884 f CYStblb, NC 29Y124W4 9 Sand NlgOtt red/hu0to Lepi1J P Pox 302e5 f 3sa lde G1Y. UT 341304285 ® Haw a qurtion about a drarq. on your.h6nrr47 Please rder >D the Abp Riggs Summery on tla hack d yaw stabrrrrd a wait Pa ,_Credita $ Adiu0nenb 1 02 !UN CAPITAL ONE ONLINE ACH PA A W-le OW UN S25000- Trmsacdons 2 30 MAY PAST DUE FEE 3 04 JUN OVERLIAfT FEE MAY 30, 2008 $39 00 You were actesswd a past due be because your minvnum paymerd was nor rewired by the due dale To a ad this fee in the lulure, we recohnhnend that you allow at best 7 butinees days for your msrrtum paymerd Is reach Capital One PLEASE RETURN POROON 9ELOW WITH PAYMENT OR LOG ON TO W W W CAPTIALONE.COM TO MAKE YOUR PAYMENT ONLINE. Cs?ial?' ? ..nor: a wvr w, a7• 0 5178057290437677 04 3179830250000095002 New Balance /Minimum Payment Due Date $3,179 83 \ $95.00 Jun. 30, 2008 -$31 ` PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ; Caoital One 0E(USA),NA •3182• P.O. Bo. 70a0Y Charlott., MC 28272-0464 823385v927208'• Account Number: 5178-0572-9043-7677 Please pie address or Phani, nurnbw durga b.tow us" blue or blah rd. How Plow Awrreesr PAowe E--1,.dbev_ (d it9015707581609090dt MAIL ID NUMBER JOHN YI11840116N 1001 Syc.l in Road Suite L L...b-9, VA 20175 •201"133' Please write your account number on your died of money order made payable to Capital One Bk(USA),NA and mail with this CDupon in the enclosed envelope 1 New b AwY a FYraw Ch•rtr- • Or.r ?Yl.d. Yw r. bw am.,mun Oar P.^od d ZS d,T ai.Ial.rurs a••rP.n n,w pl•d'•a•+ rear bNYw.•nrbr.. war,Prr OladY.arrd wr .dnr aYN>• M T• p.Y P/ bW'N,w Bans', n ,moNrr. aids M CnPOr..d.l.Y. b fYl.r,r6 b.bar, wd N rn. /tt ? b b. a.dnM h' Iva e.NnMM dIr dr Thr. r ro t?.p• p.eod pn rrI .dws. ,rk,p.o41 b,rrM, b WYSn. Mn r ro qr.e pwbd M.W ..rscbn r y.u GO rot P1 M bbl 'Nw B.brs - o. Ataub/ Fbr..r Clrry. TerY,emar NY4 an M .Ubpo b, 7.c. 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M purdYw, tw awrW r,pard.r d amovyv baYOnd purJr.) PY.w rrrr•a4r b.pn Y arn.DOr6no.. Oe,a nd apply b bw.r.r asal.rv C, _ Ow.Isp•m.b.maaan -I" Pmbc.m. r. aI. a.b.4 Nyp.y,t . .v Cy61 QC Y o _ .r a.rNl. mvM d 01 Ow Firrol Corpr,lbn N f rlp- ., rwrlod t ]Bm -p- - `l d. Mc.rrN N..r P?.r,I.lrr/r. V rwrrdb/wbow..df-dw-- t. Pobdd(1) y..rM. r.vl PN.Y dMrdwt..ITlrerebwllrwNvdrrli4,w..ri..I R) loa.pl?b.Nwde rp?r?vrd. b13_Er IR_Pn Pbs drrrb.Wb?r.?v1. b.Yrlddbrr Pb,rYlwr,io/.d.f/.I,rr.Yb Ny.MMw wr r.r.rdri.rb.dw r.sayw arel?.. d.r. sN.irdrnlyl Mabd.I..rMi. M..dr". Pr..e.r,wd.Il.. Pr 4a.r Nr.PIF•9FnPPa. 8233855 500016 Capital One' does credit cards-and then some! 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. MEMBER LENOEr4 RX shfiaCs in 3'?rrr waJ/at? FINANCE Previous Balance Payments i Credits CHARGE Transactions New Balance Minimum Payment Due Dale L!3,1798.83-C$2 0.00 J + $64?a $238.15 =232.82 $96.00 Jul. 29, 2008 Jun. 05, 2008 - Jul. 04, 2008 Page 1 of 1 `s• RfAY Ae' A11f 11 M6 M1p1Mf MasterCard Platinum Account Credits i l6natrb Stn-0$7241Min77 11 13 dRNa. JUN CAPITAL t? UNE ACH PA A.M.I. 13J UN $250.00- Your Account h lei madon TOTAL REVOLVING CREDIT LINE $3,25000 Tpf1??OM - - TOTAL AVAILABLE 2 11 AM SHEETZ 00002483 FREDERICK No $52.15 REVOLVINGCREDIT $1718 3 12 JUN EXXONM001L 47311616 STERLING VA $8700 CREDIT LINE FOR CASH $3,25000 4 13 JUN SHFFTZ 00002014 MEC14MCWRG PA moo AVAILABLE CREDIT FOR CASH $17.18 5 04 AX CAPITAL ONE MEMBER FEE WA 00 \Fnance Charles (IhNre see revere fa moarlaM nfarmakm) Balanw rake Pergdk Carreapor6n0 FINANCE applied to rate APR CHARGE Purchases $2.914.01 0.06822%0 2490% $5954 Cash $25391 0.06812%1) 24.90% $5.20 ANNUAL PERCENTAGE RATE app8sd tlke period: 24.90% ® At Yaw Service 1-aIIII-M-3a17 To a1 Due- Re a -a 6 put, bat m.oven and ® Send ps"nd to: cis" 0. Bh(USA).NA 4 P O Om 70894 t Chelolb. NC 2827808M e Send XhquMIN to ` CVIW 0he6 P 0 S. 30085 fi SW leis C 1y, UT 841360285 Huse a quraon about a herye on your shisip-t7 I'lese refer do the B" Riphh Sammaay W to back of yaw dul6p ent M vrad PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WA W CAPrTALONE. COM TO MAKE YOUR PAYMLM ONUNE 0 51780 57290437677 04 3232820250000096007 MNha.•, yr haa.anehr Account Number: 517&0572-9043-7677 New Balance Minimum Payment Due Date $3,232.82 J $96 00 Jul. 29, 2008 Kea,. Irma address w phone ,Know, c h-9, beterp -9 byre or bled "I Add- PLEASE PAY AT LEAST THIS AMOUNT Hoer Pk- ,twrnrr Phur -- Amount Enclosed ? ----- _ ???JJJ a9018707581609097a MAIL TO NUMBER JOH4 IIZn8R000N Capstan One Bk(USA),NA 3081 Sycel in Road 1)r P. O. Bo. 70664 Suite 1 Leesburg. VA 28175 Charlotte. NC 26272-0664 8233859 ° 'Mar Please write your account number on your died( or money order made payable to Capital One 8k(U5ALNA and mad with this coupon in the endosed envelope, A quick glance at what Capital One can do for you. Home Loans Home Equity Lines of Credit, Fixed-Rate Home Equity Loans, Refinancing, and First Mortgages. Auto Loans Buy a new or used car or refinance the one you already have. 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 Braces, .aser eye surgery, and more--we can bring medical costs irto Facus! Visit capitalone.com to learn more! Products and se,arca otie,ed by the Capfal One fam,ly at mmpanrex. imiud-nq Cap- One Bank (USN, NA_ and Capdal One, NA., members FDIC. C.paal 0-,,,,. Equal NawmA lmJ. 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Yn 3 W prpWea only •Arr M Ir.ww prc. `3A maw nra «d ft aw..arna. nyr. Iu....r.Y «.irrr tm mA» d for wsq add.w (p w over«opr.YMm «f w1wYd yr,M ad.rbarrtt« M p.PaM w rna.. Ylwdrarr. ww.a f.pldb.a a..aa..a w belon d P1.drr) Pb.r mm?nba bewrr^^rP•• • yx., mt.PPy r b.,rw,awh C•plrl O.e aovwY kAw.a.don Pr:.q PwYNpa. w au arb.:r at.s,oPd h_ Capibl or b • 4.d.nA1'reV W"d wrv- m«k d eapRN dr FiawW c__ N rirlb mar,rad I nw e"" ow larrrY Nlra p•)•lrryrarrr rle.e.rwryw raalradr brw.ry wrwwa Peaa•(»yrr?••e lr..rY.aFAbrr...rywarrr.d.Yraairlwn.+.wr W yarw•?a.re.d.>r«++=r, b spa ET Dt1?vR tier.arrrtrPlbr.wa.rl•+arra+.ar.r P•r•rw ?'ywrw.r.rrraw. w rrl...M Ww.Yradww w.sa.r..0.r..., fy. wrnd.l a,mtl..ruil. a.driirJ?_ ryraa.wa.. r.aY. o+ea0.. rL WayPawr• PaP"•1• 8233855 500016 amh, Capital One' does credit cards-and then some! MEMBER 'E:uCER FDIC 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. MasterCard Platinum Account 5178-05T2,9W3T6T7 Your Account Information CC f Al_ CREDIT LINE $3,2,0.00 TOTAL AVAILABLE CREDIT $223.34 CREDIT UNE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $223.34 ,` finance Charges pease see reverse fa lmpwlant why mawn) } Balance ate 1e,- rxic COr,esponjirq FINANCE 1 a0ked to -ale APR CHARGE '.-Chases x,859.01 0.03822'1. D 2490% 360-57 'ash .:.253-42 J ?J RI2% 0 24.90% 35.36 i ANNUAL. PERCENTAGE RATE applied this period: 24SM I Zr-N At Your Service • h,.wwv._mdd .c;nr b mrup y- z t ?' CA 133U09v$-3637 t -I a 8.4 x sbkn cad O soak b O tans' ReUoz V Pay Online A ~ cralalo e.(nm V mel yar pW wt b: Capial 3- ?4 8- (USA), NA • 10 . am 70894 . -Iwbd. VC ® Sond Inquiries to: C4 ta1 Ln -'.O. Sox:lmn, ? Sat Lake ply, 11 3413 Capital E' what s in your wallet? FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,232.82 $500.00 $66.03 S221.81 $3,020.66 $90.00 - Aug. 29, 2008 j Jul. 05. 2008 - Aug. 04, 2008 Page 1 of 1 Have a question about a charge on your scat men!? 'ease refer to the B&xg Rot Summary on the back of pi, ;tatenielit a visit W" LWIIAble,UUTijt$, es Payments Credits & AdLtments 1 10 JUL CAPI T AL ONE OfUriE ACH PA AuE uate 13J U_ Sb0'00 2 23 JJL CAPITAL ONE OtdLIAE ACH PA AutYrL-ale 23.1 UL SZ 0 30- Transactions .3 12 JJL BUSINESS A' CARLISLE CARLISLE PA 5199-70 4 12 JJL Bt.1SINESS A' CARLISLE CARLISLE PA S22.11 PLLASL RETURN FORT ION BELCTN WITH PAYN?NI OK LOG ON TO "VAY.CA.PIFALONE.COM 10 MAKL YOUR PAYMENT ONLINE. 8233855 0 5178057290437677 04 3020660250000090009 C-30 a/01ty j „,n r.r,•:A,INr. Account Number. 5178-0572-9043-7677 New Balance Minimum Payment Due Date Please print address Or phone -,umber changes bek»v using bkre or black Ink. S3,020.66 $90.00 Aug. 29, 2008 Addt PLEASE PAY AT LEAST come Phone alrerrrare /hare 11-1I5AMOUN1 Amount Enclosed -- - #?0218075a1609090N MAIL ID NUMBER JOHN WIMBROWGH 1801 Sycolin Road Capitai One Bank (USA), N.A. Suite 6 P.O. Box 708.64 Leesburg, VA 20175 Chariot te, NC 28272-0984 11111111111.11, 11111 Jill 11111 Please virile your amount number on your payment made pa%-j4W to Up" Qw 9inll (USA NA and mail with this coupon in the enclosed envelope. W A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. 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 Braces, laser eye surgery, and more-we can bring medical costs into focus! Visit capitalone.com to learn more! 011 01 1. Now to Avoid a FYIenW Charge. a Grace Period. You wit nave a mihmrm grace period Of 25 days wenout finance cage m new err chases, Naw belmitw transte-s. new special pwct-- aid new Nis, charges l you pay your total' 7lew3alance., n -0.- wtn Vie Important NOUC M paymellte ben-, an n time for it to be.-*Bd -- your P.ymat We dste. flans s ro grow Prod on cash .wances and spenaa I3BIem. In adltUn, there s no grace palW on am, , mansacnot a you W nrNY medial New 3.11. .' o. Acaung 1-ine a Charge. I raleachons vd,ch are not subict d a g'aoe period tie assessed rilarlw clta gel) lramn the (We d Sh9I-Marlon a 2) tTM Lis 'late lt- IraleaCVal a pnoCe6Sao toyeAf A«cowa a 3) TvTI tie first (aW I r Jay or the cdrard bNWV period. A WWray, t YW del rot coy the'Nesn Wlaoe" t:.xn tie prevoua La" peW in tut mace anarges cOnanse to accrJ to your uryaid calamice JAM Ina bulletin 1. Paid 91 f.lL This nrv a that you nuy sttl eve f .- r,-ya w, en f you pay the entire N(w Sabots indicated on the front of Your ate er-A ry the pay-A dra dabi bur did not do so W the ?ro s-,in. 'Jn-.d !rnanoe r.'sarges na adde l to the applrra,b segnalt of your Acsurt c Winin.n Finarcr Charge For each billing perkvl that your accourd is soblid to a hranw chargf, a mwmarW n total FINANCE CHARGE Of T0.50 willire hriposeJ. Winit m-Y Keduction n Finite Charges. We cose-- therigN luriot aex-.a a'ry I aN feran(-e t.9-fv wry 7,an --v par-. 2. Average Daly Bdsnw (Indudig New ^ucheses). -Mmice Cni is anleted oy mu", q lie dart' ;ratans a earn sag Tara a you accent ta.g., teen sdvace, purchese, specrsl tansr(r, an Special pun-tease) If the O nespunling dally periodC :snU(s 1 tta[ loaf been ore oollsy disclosed to YOU. At to and of each reY Lil ':ire billing para. we apply V. daty pwiaic rate to eaCn Segmt d yell aa: 14 W trio day bWa oe or eacm s agmwt I hr at the arch of tie billing panel. tie ado din :na me tts d rtes. daffy cakiAelo!a to arrive at you, periodic fh,ance c!arge for earn segment we add Up ne resuNS ran each segrna t to anae at ale total Par"Mic finance charge for your an- UmL To get ue Jay balance for each segment a your account, We t- tare beginning ualarce for ends segment -1 am any craw ImnsactroIs and any pwwdnc *- drags ca4:Aalad on tie prevrass by's -6:- fir Ihsat s.yne.,L We titan s-bact cry paYmeNts or -Self posed as a toll day tot are allocated to eat s Vnwnt T'rs gwes 'us the ssepntaa daily balance for racn s.g r art d y- accosnl Haweve', N you Pas to Haw Bat. oar -n a, you Pfevpus sr Mai al mN!or a Your - Noanc. was - a 3 C!e[dd 3rrtwn), new t-ictioi.. Wreck Post o you puu'nse o spa. al purCh3le segrlarns are IN added b tna daily oalances. we akitae tha a dge ddty oatf:ptl oy adding all I'm day ;mks - tugealn and owo ling tns surn by tie: run rbr d the days it's t'1B cu.^enl DNing Cycle. I o nicuemyar loch fnar_Y rnarge, rrarNloM You avarage day 0alarpe Oy the Jay panaUc rate and oy Ca nurroer S lays In ate oiling VXW. Due to raull'il[y un a deny t)&* ,X due to mnirXnn 'Hance charge assessrrat, there may be a variance tltl- tee Calculate n 3n 1'se snout or tff r Ora"ge aCf ally assessed 3. Anneal Pen-deg. Roles (APR). a. Ulm term "Mrwal Peneetage Nab" may appear es "APR' on tte loon or tnis slaterronL D. N tte'9de P (Quality Prima), (Qu amerly IJW.>R), C ;Quarterly Cq, a S (Banlicard Prtrre) appeere on "n" "'0' N this shtenent n-tt to the POno6c rate(s), the Penodic rates and cumesponding AN N.KL PERCENTAGE RAILS may vary qua0ary aril .nay ncra99B or decrease nosed at ate Stilad Wine, W XWIU Ill The Wall Street Jwma, plus Cis Margin Revlousy disclosed o You. These Changes WIN oe ell"i a1 the fast MY of your oiling period covered Lye your periodic stabrrerlt enJing KI Vie mo r" or Jan.ary. A". July ii October. C N the code D RJO" Prime), F (Klonthly UBOR). N' G (Tmisury LIBOR) appears On aE front d your statenera re# to the D.riodo rats(s), the per odic rates end cemespondmg A1,14U4L PERCENTAC_ RAI_S nay vary many and may increase or decresss based on the stand indices, as round in The Wall Street Journal, of= as magi previi drsck»ed to you. These charges will be rMective w the first usy ofynr t.Tlig period eii month. 4. Assessment a Lace, (Hecht WO Returned PWT Fees. Under the lams or you c norr-r agreement, we eve tha right to wave a rot o assess try fees wtnart ,-riot n otXicaion to YOU -&W --Q our right t- " same I Irrilal teas at . law one. S. Nembeshp Fee ao Rsnewimng You A-K. e a 'ter t-a ip k!9 appears on the stateni we will credt the fee a you request b close your account wMn 30 days a lie mailing d tns sWW enL You may cabin ue to use tie appoint duig it* 30 day period batue your mcli t. If you do not pay all a mn9?i orgEJ on the acourl wan in 90 days, a N you Ise Your c`" arli a account after YOU request to case, any alai oti,ehio fee piwiously waned nay be nainstAed to your account a. Closing or Suspent ig You Acuou t. You may ViliAnrt hid your account be closed W calling a swaig Our Customer Relli DeWrna t. Al Ina time d your mqueeL we will PrOwide you V ire, additional :191213 on closing your a'Ocout. This may i cilde Iuynat "Or"whi . 9YOU use you credo card or charges poet to your account after you ask grs to close your account ova can keep Yam aocourt dices- or rnopel it We tray close or suspam you -0 rid your right to Obtain Orel We mey do the M any tune and to any n son, even if yW era IN t', r#aaL A susp-leis, of your accost an be Permanent or temporary. If yOU account is .freed o! suspnsded. you insect sop -19 your c-edit card aW accoun. You must also cancel all peas W,orizet Lmil" aTa it rrsns to ne -x we Will not W ns for You. N tie close or Perraneny saspesd your accoae, you must also destroy all or" cards art account access c necks. You Host atilt pay all am[ralta you use ua a1 the axcwt. eren N they were dwgel sM you' account is closed a ewpalded. T, Ki PaYmenls. -W-10 Y. rtag to US ail be created d you account as o; tie Lass day rws!ec'em. L pwi(4.d (1) you sanU its t,ddnl coition of ais staemen and Yw; C!lscr n low alldosed felnlNa YV envoi aw (2) your peymed s nn, wed in w' processing carter by 3pm ET r 12 Noor, P n- Please allow a seat five (5) ousaless days Tx pwul Lein ay. Pay-t3 reCwed by sus t U y dhn lo-boil or in any abler omit may not be MOW as of the day We receive than Our- bUSinaee days am Konday M-9h .5au -daY, ertdudi g -hi B. Notice About Electronic Check Carwelsun. W lien You Provo* a adegl W payma'R You wtfrnze us etw to Use i for atiat fmmyw check d mM a on"- electronic Nnd tfan ter tlallyourdepwt aCOt111t ato process tha Pa 7WI M a 0MCK UWMCYOn. Wrap we use Ueornatbn from Your do& to make in elecaork fumJ transfer, funs .Tay be WC,6awn Ran your "11 account as soon as ale sane try aye motive you paynenL wj you mil not mcewe you ;hack pack tram yon financial irsi ttion Your au ionzaaon is not trolled by the late on the chack We tray vesud,t and ei ctr?'-11 c W ct Ielwl J P.Y-As. 9 Sankrul:tl N you am entitled to berkuptcy prole,-tins for your account, ties co miu Nt"idr1 s only to, nfor-WI al purposes. N's not an .0-0 to ctlli assess a recover a debt o- claim. Do not sera wy payrra nts deectly to us WNtlout speaking with your ue,Kn o" adomey or it. Balpupi y Count N you wet W contact us axru you account , your Nirkuuplcy proceacicg, obese have your nor-may cats t rs. j81W NG Mal TS 5,"4NRY ;In Gass 01 trees ' Uuastrob au" You ual) N you ttinK yar all s wrong, a N You need more WfOmaton on a tralsacbol a t*1' swat b W on a sWWAa sraet'as son as possible at tie address for inquiries 9lowm 01 Ina Iraa of this statement. we must rhea tfom you nO lee that tri days ale( y sue you tte first big an alit, ale error a p'oUen appeared. You can call our G:stonar Relators unbar or ndey us by -it a wensNe, out d *V sd will nut preserve your rights. In your leftar. ill us lea tolm" information, You narria and acewm n wrier, to dollar amount OF the suspected era, a desenpton OF the error and all aolanaicn, N possible. of wry you bekeve there s en .-o or N you seed mr. ntor-WY a description of the dam you are onus abort You co not have to pay any enure in question who we are nwe.U gatlrg t, out you are sell obligated o Pay tlne W-ts of your bin that are not in question. WMe tie irwesbi your question. ova cannot report you asdWisgrw. t on Fake any acb'r,b_ 41.d the -.t You question. 1 Spacial R.I. nor Leda Can] P-teases N you have a PWlurn with ttu qully of pwery Or sis -s lhayou prr_treewd wa, a craw card and you rave nea m good la" to cWeCt trier pfobarn Wan a,e mercMiC you my ha: s the nighrotopayther WWQarwoutJibOnalep'o "a servpes. Younavetes protection ony when the purchase Pace j was mare then $50.00 and the purchase was Tale in you home state or w0in 100 miles Of you m long address. (N we _I or opwab are m is C a t We creased you trw 'i advertisement fa the popert a services, all p vOmas are tweed regaruiess Of amarrt a location ($ purCMse) Please mmernuer to sign all caaspmdarnce. I t' Does M a0M ,b v:r"- aR 11^ Capital One supports niornafiln poi acy Protection see w webnle at NW.VV i C.PNai On. is at federal rogstwaa-_ a k o ?:aPw :ra Financial Corporalon. All tgb'seenved.Q2008CaD lone IC-0B O1 DfvtYY,t3 - 1 -C:Y26K)1NPtrgrt Nofce:.'as!ens vw nrcimtt ad 0o aededtoYwaalNacd tebatiewdy ova raxsia L prow.fed (1) YalOnd the ',xamsn Pssur d Tb pmt aslyus dwgiillY ard?end nenltasw a edya.d;ztyw Is?+ret snauic(1n ur prasralg unM ry 3 1,n ti ;12.u'n pT). 'lieu uluw a Inaei rue ?Sj ba,a9;days tr µ tadseaq. PaYnnwtsnsiiaJ A' u a ay aria kerb, u it 3v eons rem "IB/ rid lea acdLdasdNeuar we rtW.e Nan Olrlsadr,esdys aeLtrdy Cray, SanrP,i, rs?drgh'il;s ?wmnot: »?w,;?wdw. dc. e+e,Pau?rui:,annec 8233855 x -- .v4atsiw,w...eea1let2 It could happen to anyone. Make sure you pay the amount )OHN WIMBROUGH 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 BETTER INTEREST RATES (good credit could mean lower interest rates) by payment IMPROVED CHANCES TO GET APPROVED FOR LOANS %,ji -n vo?_I avant 'o bL, :i l or--(, ^.?..a , _w !_: , `. ...... . . FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,020.66 $0.00 1 + $70.46 +? $350.31 $3,441.43 $193.00 Sep. 29, 2008 Aug. 05, 2008 - 5ep. 04, 2008 Page 1 of 1 MaswCard Platinum Account You're beMnd by one p)ymerd. ?A^wrnb? . 3 :;ayiry LY mini-rrurn ey:nMt ty ?hv- aN'k, r.? your S17B-(iSR-8W37677 a=unt ?urre.,t_ So sare yoi seM,n re n,rnenun1 ra7ment to T .our ac:.o nl ?t Your Account Infom?ation Payments, Credits & Adjustments 10 1 Al_ GREDI F LINE $3,250.00 TOTAI_AVAILABLECREDIT $0.00 Transactions CREDIT LINE FOR CASH $3,250.00 ? rn i 1 04A63 STEWARTTAYLOR,_?J_JTHIvttJ `,40-13 AVAILAB ECREDITFORCASH $0.00 2 05ALC SHEEPZ 00703338W11-JA 1SPLO 1 W; 64215 3 CbALX3 CX)I-_RS SI'01111PIG:X.YJDS t",r-,FIEL PA 543.13 4 (BAUG sHEETZ xaJ035ot.LS8URCRA 54.95 Finance Charges (Please see reverse for impo tart nformation) 5 To AUG COMFORT IAAS MAISrIELD MAPISFIELD PA 5119.35 ARRIVE: DBC J8 L7tP,U l : C60 -(X" WC051 f3 Balarce rate PewclD Corresportdng FINANCE ] 23000 `H4 570, applied to ate APR CHARGE! i . ? 04 AEG ?ASR !1JE `LE 39.00 u'chase S3,073.60 0.05822% D 24.90% 335.00 Cash 315799 0.051322% D 24.90% 55.46 i 04 SEF >: tR! r 11 f EE SEN 04. x7k 539 h3 1 ANNUAL PERCENTAGE RATE applied this period 2490K / Jrtbr temis previously dDolosod to you, same oral of your Airual Nercenbg3 Oates have Leen m eased sir>r~ yorx acax,n[ w:s pest d,e hxi;x irr C-re past 12 biYirg cyei.s. ff cur roles txiv? aM ? At Your Service - (i, b wen catdrecum to rna.4p yuu a ,I, e,creased, subsecWnt delrquercies extended he duration Jf the ircrease] rates. Rememze 0 we Q 7 Cal 13000 903-3631 to repot a tst or stAm c&A orsxek b Qrsro Q ? your nnimurn : nort Id payment on hrre for 12 =ise:uti- L4 g cycles, Cris ea u it wit RaLtixs - evieredfor apossble- ieRxnto yaxrb,i4oI;odx:tayAPR. ® Pay Online et wmv.em•abre.carn o -1 yar Parrem b. Your account has gone over its c edil kinrt T c avoid ad3rfg l o --brit fees, please coy morln :o Dnnq QyAal Oro Bank (USA), NA - PA. Bar 7(1084 • awbOe_ NC you, balance oehx your uedt linil imrneclit", and naT e sure yol remain bebw yowl c?d4 Imnl_ ?? Pleases be sure b xc?unl for ary future Pm:`asea. fees. and frenx drer?s Send lnWirfes to: Yoj wera assessed a past due fee beause ?nx nnmum payment was not rearwJ yy t, dua i4e- I o (',apes or- .'.0. U. 30285 • Sal La. Uty, U 19413017285 avoid this fee in the future, we raaxnmerd V'aI -W abe A least 7 bve>es'irys fa p>x newxnrwn r 7w,11 ID reach vmi4il Jr,e. G Hive a question about a dorge m your shi6enent4 Please refer to the 8* g Rights Summary on the gad( of you, statemerd a visit www.rapiFab'le_canJdisates PLLASL Rk.l URN PORnON 9ELOw VAIN VAYMEN1 OR UX( ON IONMM1V.CA0IAiONL.l'J1A ,O MAAt YOUR PAYMENT ONUNE. 0 5178057290437677 04 3441430250000193004 C-WmNlC)rte ,•r„-ate Account Number. 5178-0572-9043-7677 New Balance Minimum Payment Due Date Please print address u, pnw n-ibe, (nmxles nelow rainy bM a ?. black Ink. --- 53,441.43 ?$193.00 ) Sep-29,2009 - I'ItASF PAY A[ tLA-V "Oo Nxvre -. -- - :Jtemate Nava -- IHISA14JUNI E-mm7adJiess e? Amount Endosed j -- - #9024907551609095# MAIL ID NUMBER JOHN WIr1BROUGH 1001 SycoLin Road Capital ne Suite .O. Box070&94nk (USA), N. A. Leesburg, VA 20175 8233855 P Charlotte, NC 29272-a9a4 Illdlnul•lrIIIII•lllpl,11111IIn141PII•d•I•nPI,IIIII•ll 11,I,H1,,,,,,111 r„L I,I„I,LI 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 Avid a Faanue Charge. ..Grace Period. You will hose a minimum grace period of 25 days wfhel irerce, da'ge on new purchases, new baarce t anafers. -special pur lhass s ant raise N-r charges a you pay your tolel'New dalancei, in accorkMarlw with the Important Nonce fo payments bebkv, and In lkne for h to be credited by your payment we date. There is ro gl- Pail a1 cash ads - and special trawlers. In addilbn, there is no grace Pwoo on arty transaction t you W TO pay tnebtal N- 0 aance." . Accruing FahMnte Charge. Transactions which are not suhject to a yxn pernd are assessed feancce clean )e 1) front tx dale a the tmnsaclah a 2) fur the dale the [rasacaal s proCtlssel to ywr Account o 3) iron the first calendar day of the cunerx billing period. A,Yltbraly, it you did rut any the'Nskv Balance" from the previan UUM period in full, finance charges Cona'rse to accrue m yosr u,n,.d a""uNl the woad balance is paid ill fu11. This ,hems that yw may still cwt fi aaa ca gas, wen it you pay the entire New Balance indicated cn the turd of your statement ail the payment due data, but dd nit do so iathre prevxals month. Unload .nark. ^_harges are added rothe spol-ole segment of ywf Ar_out c Mnanum Finance Charge. Fm each billing period tat you r account is subtect to a Rns?lce charge, a rlilinum total FINANCE CHARGE of $D 60 wit to imposed. d: Temporary Reduction in Finance Charges. We neaerve the rigtt to not asses. a!ly o a1 frelce clerges for ary g- bWlg period. 2. Average Daft' Bailors (Including Near Purchases). f banes Marge Is ?tuated by mulapying the daily Laarwe Of earl se9m 11 Of you aaowt (e.g.. rash rW once, purchase, special transfer, and special purchse) by the cwrespo ding day pwmW rate(s) that has bee l pwrousry Jscbse ! to you. At kns end of each ay Uul Lx biling Wkid, se apply the daily periodic rale fa ea.'m ergmet rA you aa:wt to the daily ballalca of surd segment Than at the end of the billing period, vke acid up tax issutl of Chess dally wlcualors to err"d yw pelbtlfc Barris :rarye for each segment. We add up she Tesults from each segment to a the at the halal periodic (.lance Marge for your account. To get to daily bales,is fa each segment of your account, we take the beganng Lateness, for awl sediment anJ aka any new transaction and any periodic tsanke charge calculated an the previous day's bulli tar fu! that swore,it. We tray subtract ary pyments a credits posted as of abet ay that are allocated to trial .9-,L This gees is the separate daily bearce, for aach segment of your account However, M you paid tae Ness Baance shown of yw pevkte stdwrwt n full (of 0 your new seance was zero as credit amount), masse t':...tiorls. when post to your pwenase or special purchase seg.'rlenrs are not added tithe daily beanie. We CarCalas the average daily bale- by adding all the dal Liar ,era together ad dii idrrgthe sum by Me number rd t'x days in the -mint bsftng ryas. To.W ubayor trial f llamas aarge, ,,,Ugly you average daily beamc9 q the =ally perodc rate and by the ntnener of days in the billing period. Use to rouharg at a dally base a des to minsmurn firs- large assessment, there may ba a yaarlce bahs'seil his cakyfratl ,n any the am c unt of fnencis dregs soapy assessed. 3. Aswsaal Percentage Rates (AM)_ a. The term "Annual Percentage Rale"may .poser as "ArH' on tTefrort of this saeret. b. P the wde P (Quarterly Privil '_ 1,Quortery UBOR), C (Cuatwy CD), a3 Bankcard Prime) appears w the Part of this statwrlwN neitt to me periodic race(s), the amore rides and --p-ding ANNJAL FUICENTAGE RATrS may vary warrely and may alcresse a daClease lased a1 the staled ['dices, as fwd fl The Wall 5t,-W Jwrnal, pis tie nargh prerbusy disclosed toyoa 111ese charges will be eftedive al thefirst Jay or yw bills wj period covered ty your pariafc slgemdx ending in to ml0rthw of Jaruary, Apft, July arld (JCto W c_ b the wde 0 NY" Prime). F Into tftiy UBOR). m'3 (Treasury LIBOR) appears on the front of you, stale-1 deed b the pwwdic rag(s), the pe,bdc rat,. and owesponchrip ANNIUAL PEHCENTA(>-- HAIES may vary monthly and may i,- a dense- oesw on the sided idicas, as fond in The war street journal, pis ore ,,argil pre-bey disclosed o yo; Tllase ch w- wN be affective on the first day a you biMig period east, mlorth_ a. IiswssrrerE of Late, grerrmht and Hetamed Paymeft Fees. tinder the tamed your customer agreement, we rHSrrve the ngN to wane a nor to assess a. 11- wtirax Tit rntMkation to you Allis waiving w right to assess are sernaerr sM larleee at a atertma. S. Mdnbemhp Fee and Hanewag Yw A-1. ff a m ntershiptee appears on tts statement, vrr will credit the fee f you request b close your .=urt warn ?) dihys >t the mailing a this slaemenL You may continue to usa to atxrowx Ju rV the 30 day peiod Wrote your requeet. It vw W nit pay ant Merges owed on the arwurt Willi n 90 days, or f you use your ,edit Ord or account after you re,pest to close, ary mlbrmbwslip fee previously waived :Try be rams AW to you accost. 0. Cknsalg of SuapwWng You Accourt You Ray'e¢sst that your account ue dosed by cal a wiling err Customer Relaeas UeprNrert. At thetar so you:rquesL se will prwia you with addtimai Jelefs del ci- rg your ackwx. The tray include payment aforrretnori M you use your credit cad .charges post to ywaccount after you ask us b close your account. se can keep You account open n ,sepal it We may ruse a soaped you account ad you n" to obtain credit. We may fib bra at any tine and for any reason, .Van f yw we mCf in derail. A susp-sun of your accout can oe pertmalera a terriso-Y. It your account is dosed a suspended, you must stop using you ,avast ray d and account. You mat also cancel all preauMan"d L"ling arahgameas to the aLSOU'hL We wilt not W tls to you. d ire close a permanently suspend you accoul, you mugs also destroy ant credit earth and -t access c:'teciGS. yo.r mast sal pay a1 amDwils you use us on the a.- it sewn it May see charged atar you eccwtl as closed or susperdel Me" Payments. Payments you ail U - will --Jited to you -9 as or we busrless ay sea ,scene it, pwkterl (I) you send the Lothm portion of this surer errt old yw, ohwK it the enclosed ranflalca "elope aid i2) yam payment is --ad in our processing -star by 3om ET (12 nloorl P 1). 'tease aMOw at feast five (5) harms days tx postal dowsry. Pdymalb received try -at uy the location or n any other tam may not be credited ass a the ay se necakre Item Our.Whets days are l.1-W c11119h S urcby, -kidligs holidays 8. Notre Abel Eledmrlc Check Ctrwanbn. wren, you pouf W a check es wymet. you auhal:r ss skier I. use idbTT,.W-from your check U -,ek... n-lae electfo efund tfanshas frofirl d00oax account a to procass this paymet as a check iraeaAUn. when we rse hforaaal from your check to make an elactaic fund transfer, furids ley L»wYfWrawul f- you; J.1 sit -t as soon as tie sane day we re-9 your payment and yW Will not lgcewe ywh "oeck V- your is-!al institution. Your auelatrabon 9 not I'erited ty the gate on the &-k. We nay rwubrrt and c+i<,1r' -Sy :vxrt'rA.-d Payments- 9. Bankr y - t you are entlhed to be-ptcy, -Ascalnl for yon account, this CoTrntr?l s obey for etbmaau'nan proses. ft's not an attempt to collect. assess a ,.,.roust a debt o clam. W ma -d any paynlaxs all" to us willlout speaking wile yow bankruptcy aaonley a to d floapwv (;out e vw wax to,axed us aww roe accourit a yourtank-upa," voce-jesq, please hwe your aao-rota. 1131W NG HJ:H IS S'JNTVkRY (I1 ";dw a Enos a UuesYaple axu Yow 71M) C you thatlk yea *AT a wlong, or ff you need :'rote Inrorredon at e t' .wbal a WI, wft to us - d separae sheet as soul as poesaw at the address or inquiries stxaslh on the forA of this sYaarrarll. We must her from you no ate than tail lays ear aye sect you the RV bib on utwh the enof a p'oaem appeared. You ran xM our Cstorner R.Isbki s numrcr a nail us ty what a svebnxe, bs kbiig so will T1ot preserve yu,ur rights. Iii your attar. gye u the ofowt'g iinfortretnn: your name and aecckat rtunlar, the dokar .rout d Iha suspected err mr, a tlr5cflption d tre err`.' ant an eltolatarorl, if pLas ble. a lNry vw peliuva these a al - or if you'eed - hhkrrrals- d descrgxan d tie item youare unsure annul. You do not ,ease to pay ary an-Am queetlal whrb we err nvisAgatrg it, as yw are stint obligated to pay the pals of you, oil that are nit in question. While we r -ligaie your quest-, vrs -,l ..W you as delilquwt w take a!Ty ti- b _uTlcl the engwt you kesesiral. t Special Rue or •:rh?rkt C 1 Purdhases is you have a pwlan wlh to Rrrhlly a p o-QY eyces list you pr_!ased with a :reds Card and you- bed in gxd tarn to 14e0 tca problem wish 1M mail curt, yuu rrry nave the 'ghi la to pay the nmaineg amount Jrle art the o-noery a services. Yw navetts PlOaldon only semen 819 purchase ores nm rope tan $50.00 ad the pwcntie waa'nade in you Mare stab or within 1'JU atlas d vans nauag address !l WB awl o-opwas the mkrrsrl. a f ws3 rre1W you the aMartearrent for the winery a--, ail -bases are wvaed regardless 19 -soJ A or I-",, a P., C.- j ?Ia- rememnerto aM--.pwdence. I :Does na awl ;o b'.x,.- acC' -n Capita O!ws *Wts ,*,-rws- proxy psissts .see u websile at vr.ceA1_abrieaom captw O,w B e lerderaily ewleredswvk:a m,i k 4::ap" ore ns-al Corpo'aton All rights reserved. Q2D09 •Capra One IC-0d Cr 1 rJhldkY,xS - I -7Yiwt)g lawwwNes ss: P.gnw%yw wd*D.'Aoe.acrd Oyu =u tydfwunwks lr wreava i pswasJ (1) hoard ew lamsn patiir d tieztrrrt ad wit dhrak ih Iwankaad nadaau+ernf}aa!d'.2)yW L :'m c erwivr)ir ru V„xiaumer 413-EI(I Pf). iiawvalw rk.A firo'.`.yGha- Yysb l u y. PaynM6rr avJb.u a ay ? k Rn an ary ahw farm neird bs ocdrdasdtle daywereorireMarh.:lua lass des air today Irmagl5aN-2v scldnghdtays ckwe der rat-AsPi Sh Pape am sii? bran Peg yea wnwx 8233855 O 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 Th s change will take ef`ect starting with your December bilhriq period. You Cann decline this change. 500251 41080 FINANCE Previous Balance Payments & Crests CWGE Transactions New Balarrce Minimum Payment Due Date _ _ -- - --- - , W---- $3,441.43 -? $0.00 + $77.29 * n $7800 I $3,590.72 $300 00 Oct. 29, 2008 Sep. 05, 2008 - Oct. 04, 2008 Page 1 of 1 I MasterCard Platinum AGWINt YouYe behind by two payin_v .Let's ?8: Ifyou'ro havi!g finare:ial r#fr-vlti ,end can't ns:= Yet ?:, 5176.0572.8013-7677 minimlm payment - ws want to tpip. LM's work taetne? to find a >olutnn. Your Account information l O I AL CREDI I- LJNE $3,250.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT UNIE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (?lease see revwse fa important oformation) Balance rate °e odc Corresponclig FINANCE ato ed to rate AM CMRGE au chase: 33,220.08 0.D6822% D 24.90% 565.90 1 C zh S L,Ll 0.X822% D 2490% S5391 I. ANNUAL PERCENTAGE RATE applied this period= 7A3u% j At Your Service - Gu b nww.cmtdar aan b rv"you -L 1?03)(L3o3i b remit a lost x sblxr ca'd aedc b Qubrer' x Cat Routine ® Pay Ciro ine rf www cealebnesam c, mat yar paynert To. :,4" One Bak (USA), NA -R 0. Ba 71083 • C-Ambtb. NC 232; 2-1093 Send Inquiries t>: C4 Ad Orr ' 0. &n 97185 • Sall Le . (xy, J1 84130+7195 ® have a question about a charge on your stA Item? Please refer to the Billing Rots Summary on the back of your statenrent oi visit www.capilab e.corr?disautes Payments, Credits & Adjustments; ___ _ _ - Transactions 1 29 SP PAST D JE FEE 539.30 2 04001 01IER_14 T FEE X1 04 2039 9J9.30 Under terms p evoasly disclosed to you, sane a allot your Annual °encenUW Rats (f.?Rs) [we been ncrmsed since your account was pest die twee in the cyst 12 Ann cycles. If your rates have already inc. eased, subsequent defricluerLies exterdeJ tx duration d the iweitPeJ ales. Renner lam' . If ',w_ receive your mnimum montht7 payment on time hr 12 consecutive bilirg _cycles, Irw acart will oe revK,wed for a possblc rotum to your rbn-Int.-Dducto-y ARK. Your amount tws qurue over its c edit limit. Tc avoid additional ovatinit foes, please pay erro.yh to orig your balance oebw your credit Nrnil imn>ediatefy and rnake sine you renain below your aedt limit. ''lease be sure o account for any future purchases, fees, and finance charWs. Yoa w- assessed a past clue fee because your rmiinum payment was not rec -N-d by t'w> due date. To avoid tl1e fee in the future, we re_ r ,mad Uat you allow at kasi 7'? suxss clays Fx yea minirnunr paynent 0 reach Capital One. PLIASL RLTURN PURI ION BILLOW wrlH PAYNILMI OR LOO ON 10 VW^V.CAPr1AL0NE.COM TO M:1KL YOUR PAYMENT ONLINE- 1 5178057290437677 04 3590720250000300007 c?t? 2E' Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Oct. 29, 2008 53,590.72 5300.00 PLEASE PAY AT LEA9 THIS AMOUNT #90279075816090929 J04H WIMBROUG14 11303, Sycolin Road SuiLe 8233855 L eesburg, VA 20175 11111I11111IIIIilrll?rlrrll.ull??lII?111Ir?i1I1?1111111111,11111 Lend a hand. Save the land. Manage your account online today- its fast, easy and secure- O Mc.,,inq? C:.-- rlr you id-.y on r t'.;?'r; e Help ,ave the ptanr t-oo paprr'vs_ © s qn -p - ilnnca?m Capital One Bank (USA), N.A. P-O- Box 71,063 Charlotte, NC 2x272-:,063 111.'1••1^•h III -III -t9fhu.A.1-1.11l.l. lllllrnh?h?lln Please make checks payable to Capital one Bank (1.1%, NA. and mail with this, coupon in the enclosed envelope. Capital IAII 1. Haw W Avoid a Fiance Gril a.(imes Period. You will hive a iriltndm grace period of 25 days what ""his charge on mew putlraves, thew baatYa transfers, new sPacid Purchase and law xner oharges a You peY YOUr total'WM BaartoE', an a-oordartm wih Cal I.Iportat No" for pa"Its, baba, and in *m for t to be creed by your payrreM due dale. There is ro grace pwW art cash advances and special transfers. In addition, these a he grace Period on any transabat I you do 10 DW the total I, 'alto Bakr cal." b. A..-* Fiance Charge. I raraaetions vtch are not subject to a pace pemd am asseasod fiaaa charge 1) 1011 [ne dale er the dharaadan or 2)homr the date the traf-odon s proses.d w ywr Aturf or 3) tor, the first siadar Jay of the current tilling pared. AddMbnetiy, t you (atl igt pay tl,n'?Jew BalatCe" trap Vue P1_ bats period in full, fnan. d,arges cor'b'We to accnre to your urlpatl Pepce uM the urpaha belahce a pad n rulL The nsv'a tat yw may iit owe finance dhwges, wen t you pay the entire New Baarce irni algid on the fvrrt d Your stalnr(Crf %ts P?'matt due dace. Tut qid nit do so Lathe pnevchs moMn. Unbent trance charges are added to ale auplrpte sagment of yvuM.alurL Wiinm Finance Charge For each burg bald tat you( a noult a subect to a fna'ca Cheri a mittrturn li total FINANCE GRAR(iE of TO.60 WIN to imposed. d. I Whillorary Reduction I" Fnarca Charge. We rasW im the right to not assess a y of all toararo ledges for any X- bNng perod. 2.'Werage Dail Balance OrAidtB New PirchassaO. F Farce charge a moil oed by inultlpyag the dally oaahos of each segmaht or your ai=uix (e.9_ own adVani ouroinese, specal transfer, and spacial pur_rasa) by this mrmspagrng dmV penult radials) that has beer Pr 003y dacloead to your At the end Of each dry during the ball Wnat, we apply the day, perrodic raW for Own segrrrrt W ywa -t to the day balance dea-h segment I hen at the end of the balag period. we add up the msWts I tress dWy cacWaaals W anise at your periodictharce nit-gatereachsagmhall. Weaddupthe ms r. Can each segnWA W ii ale at to dotal P..,w ratans oi,WW for your account To get the daily baar ale, for each ,V-t d your aci we take the brgsawg lslarhs for eel. regrets and am any nor Iransactiaa and any Punabc aBrlGe CriWW cawAllad on are P'evoun Jay's oiAnce fw treat s,VnWK. We than sabb%t sly P®Yn snls o-cmdas Posted as of tad day tat are abated to t1w segmwd I his gales Is fair s9p-la a dally b"ncefor abort regnant of your account Howwar, ryou paid the New Balance SMMwI on your pin,, stalapha rt in tuft (or t I your new tsars was zero or a crew amour), new t arlsaAas, wnotl par to your purchase or special pirchase segments ars rot added tot to daily balances. We caouate the average daily out lee by ad" at the daily I Wile a3 trv-t-and dNdag the son by therharl of are days m the ou-nd harp ryde. To sCraate your total mans charge, maapy your wwage day billahcer by the day penoae rat9 and by the rhrnrber of days n this balng PWrdd. rote to rwndrg al a/ base slue to rrwirrknt rnanpe thistle as-rnsnt, thars may to a variance 1 ,el- tna oapaegnl and the -L" of I.-Charge actuate assessed. i 3. Nunn l percentage ROM (Al a The term "Annual Pecartaga RaW' may appear as 'APR" on the fraM of Via statefran . b Y Be ode P (QUalf y Pnma), L (Quarterly USUR), C (Ouermry co), aS (Bal"A d Prirre) appears rbn W "'t of that atalarpnt net lo the periodic ratrs(s), the Ptsrodc hates and corm pording ANN,AAI PERCENTACE RATS may vary guat" and may beriali or decrease based on tte stated thdiws, w found 111 he Wall Sheet JWnal, pin the mange ptaidi disebeed to you These ol-Vas we be AIBO - ah U. frst day a your biting period cevamd by your Parole ialanat ending n are rnpnUw d Janary, April, July and 00".. c. ft ale tors. D bbd* Prime), F n brthy LIBOR). a 3 ;Treasury LIBOR) appears on to front of You, alstani nerd W the Periodic tale(s), ins peredc min and oonespagmg ANVJAL PERCEN IA(_ RAI ES may vary rr.r" and may ihomew a deaeasa Dosed on the stallCd idices, as fount in The Wet Street Journal, Plus the rnxW Provloray chloral to you. Ft-. danger wit De etedNe on its first day oryour bring period WICI I month 4. AWAMITI M of La W, (Mrana rif10 NaWrrlad Payment Fees, tinder the tents of yota c stDmer al"Wi ard, we resaNerhe ri to waive or not to assess ary fees wf1MMA Prig I ogiatial to you w'thei t v IiW our rkA to assess gal sage or slmiar lees at a later Inle. 5. Mambershp Fee and Raewetg Your Account. I a membership fee appears m Ma statement, we wine Cf" the fee t you request to close your aooout within 30 days d the mailing of thin sta ernelL You may ebrrtlnue (016@ to -must duMg the 30 day pared batr s your request. It you da not pay all charges owed on this acrourt with in 90 days. or t you use your redid -rd a sewn" ateryou regnsst to case, any rrwrrbWahio nee prW.-y waived nay be ransfated to your a¢a+A. 'equesl 6. Closag a Suspending Yow AL xt. YW may that your account be d®etl by caag or wrong ow Cwterrar Relations Department. At the base of your reryest we wit pi you wth additional detains on closing You' WC.". Th. may scads pay-A "%.Me, t you are your credit card a charges poet to your account after you ask is to dose yours-,i we can keep your abookint open a' regan it We may close or soaped your -A and your VA W obtain trade We may do this at any arm and for any reason, WWI f you are 10 at Bali A SuspWri of your accotnl an be pamarhaM a tem'oomry. If year account is dii o, suspended, you not stop Dreg your cedt card and accoa'1L You Teat else cancel all preauatoriZed'unirg watgemarfa to the arcoutt We wit trot do to for youi we close or oemtareMy srnperd your account, you must also destroy all credit cads and aocoui t access t acks. You nui slit pay at amotts you owe us on the acwurt. wed t VW ware dinged after you account a closed a ... banded. T. f4alag PayIsayr ands. Payments you mail to us wad x credited to you -:cwt as a the burners day we reswe IL bhop ded (1) you send Ilia LWAwnr Portion of It is state want ad your 0- In tie erhdosal naiatlehCe Wwek4te and (2? yon payment a received in w, proses erg cater by bas GT r12 roan' I). Please all a bast W. (5) busi ass days hr pooW I J.1i Payinsh0 received by us at any ah.? I=Wn or n any other toms may not be credited as of the day we recewe tens Our Dutehesis days are M.. ay M'"M Saturdi excluding haarie'r- 9. Notice Mat Elxinxrc ChW* Convise ln. WhhW h you provide a dale ere Prlyme't. Yu'U lull. cal In ethW to use iiomdion fromyw cln clc to asks a -n br re eactronic fund trBnsta fmrriyaurdepro8 steam or to ora:ess the paymsM as a dad, tra sarAah. What we use intormadon from your drrsck to rn- an elwi oMc find than isr. rule :'ray -wfsd8wn from your deposit account as soon as to same day we receive your Park and you wit hot rewwe your prLYM back Iran you inWgla rrnltutipn. Your autlgn oss., 6 not irril try the Jaw on the ?heelt. We assay msuarit and elect--'ally cwW.t rawInnd paymWAS. 9. Ba intptcy- 9 you ere er/ned to ba*wruy protmbonn la your amowt, this conrrsnraaort 6 billy for rtomWe'al purposes. I is not an amarrip to r:onsi assess or m- a ,aWA or clam I_ LIQ not sand any pay,,Wts directly W is without sreaknq Wilk your lankni allofney ate Basgi I-ML t you wart to coined W aii Your acmuM My Mir baekvfaloy ProCeedilg, lease have your .aortas r;ontoot us. tBL'JNG R131-11 S S',A6t4RY pn Caae.1 Errors IX udeaw a about You Bill) ff you V w* you oll is'.w i or ff you reed mere into-ration on a Im,-1vin a 1i11. dente to us err a separate sfeet'd5 sawn as post at the edress for inquiries stw,n on its front of tlra stalerri We must tw (ran you rid eta that 6'J Jays ama we said you the fast bit on wit'¢h the error or p-oblen appeared. You can sit ow C.sI- Relations number s ally ns ty inset a w.bsde, orA doing w win not preserve yarn r gals. In your IWi gre us to toarwYg Wormffiron: your name and ai number, the dinar snout of the wspecWd wror, a descnPten of the error and an wolanalen, t puss bb, or why ywDWmetyreis aro ortyouneeu'ro, raorreWrya description or to tam you are issue aiwuL You do not !eve to pay any arrpwf In 9tvii non While we are arveAgaag t, aA You are sat obligated to pay the Pats of your bill that are not in question. While we indigale your question, - cannot report you as delinquent a take aw action to cried Ina -t you - question S-I Ruie non G'ashe'd P.NMase,' a you have a Proolem wlh the quill A p iii a severe [hat you pur_twed wth a -halt card and you lave tried in good fain to correct the problan nth the rrlerCne:f, you rruy have the 1"rot to pay the rertaiwg a Mdua m the eooery a services. You rave his Rotedion only when the purdrase pace - acre I—v 50.00 and the W rchs3se was Tide in yowl homy state or wM tW roles of your rradig adi. t.rte p' opwaW ate rmc,'anL v 9 we matil you the advertisarati fa the property or a-. as purchases bra a.>+aed regarylrra- a ari or I-A., d Wrc:'use.) lone remWrbW to sign as __Ponde- I D_ nor aping 3 b- acro'," Cants( One supli i to rrston P-y uota.-tiun. see err wehate at mAK-capfdbnf.com captal Vita is a tedaaty vga bind souvia max x ::ap" ;,Yd Financial Crio.ralnn All h" reserved. 02009 Ca{rlal One ti:MJ I OhMM)'MS- i -rJ3r1lha715 Changing Address? Not quite ready to make payments online? Address. ..____.._.. No problem. Follow these simple Steps to make sure . .................. .. ... Home Phone... we process your payments smoothly: Don't staple or paper clip your check to ;he payment slip • lie sure to use the payment envelope that came with your Alternate Phone, ...- _ statement. firing a different envelope coulri delay processing. - 8233855 t mail ' Address... - t include any additional correspondence. Please don - Ldst but not levst, be sure to write your 16-digit account Please pri^s add•css or ohore numbe, changes above using blue or back ink. number on your cherk. 200567 41 ON JOHN WIMBROUGH 0 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 rg eater of: $15; OR • The total of 1% of your new statement balance, plus new interest (periodic finance charges), plus new late payment fees, plus an amount equal to a full year of membership fees divided by 12. 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. This policy change is required by federal banking regulators and cannot be declined. 20r)"t,I Please serd 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. 8233855 Capita/ - 8233855 E-') 2008 Capital One. Capital One is a federally registered service mark. All rights reserved 500016 GM6 Capital One' does credit cards-and then some! 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 armLlrrt online. MEMBER ??NCER FDIC n.a rvv ,r u•r *c w?: r,: PPa merits, Credits & AdjustJrfen. 1 16 OCT Add for Fee Credit Offer SUM- 2 21 OCT DIRECT DEBIT PAYMEW S1115.00- 3 29 XT DIRECT DEBITPAYIvEr.)T S1'500- 4 03 NOV CAPITAL ONE ONLI"1E ACH PA AithDate 0341 C•.' 3530.00- FINANCE Previous Balance Payments & Credits CKARGE Transactions New Balance Mirtirmrrl Payment Due Date S3,590.12 -i $950.00 $70.57 50.00 $2,711.29 J S81.00 Nov. 29, 2008 Oct. 05, 2008 - Nov. 04, 2008 Page 1 of 1 MasterCard Platirnm Ammunt I 6178-0672.80437677 Your Account Information O I At. CREDIT UNE $3,250.00 TOTAL XIAILABLE CREDIT $538.71 CREDIT LINE FOR CASH $3,250.00 AWUL',BILE CREDIT FOR CASH $538.71 Finance Charges (Please sae rewrsse for iTlpvm r&,r odon) 3atarce ate 'c'lothe Gxresponding FINANCE 4>ohed10 idle APR CHARGE 1 ^rcnasesv 33,144.08 0- X57• D 24.40% S65.161 ,ash 5251.01 00965%D 24.4C% 55.41 ANNUAL PERCEllrAGE RATE applied this period: 24.40 Q At Yow Service - w to I,YMI ::4A.U.- k, nuuye rixr -k ?, cat I4&gV$- 3i 0- wt a tst x sbw cad or W&* b 0A5b7w ReTarms 0 Pay Online at cw;Iabre rain or man tau pewrent Io 2,p" Om 3mk (USA). N.4 . p-0. B. 71083 - Jlwboo. W 237,2-109? Send Inquiries 1D: .:vtxr:ke•''.U. tiooc :91115 • `;al i.aFx Uty. JI 841;£47[bS Have a question about a charge on your statement? baserefer to the B Ing *hts Summary on be back of your ;talvnent a visit w". wpit b to curJo.Ae> PLEASE RETURN PORTION aLMM VMH RAIMENT OR IDG ON 10 VvV V-CAPIIALONECOM 10 MAKE YOUR PAYME NI ONLINE. 1 5178057290437677 04 2711290500000081000 C-Pit*- 7f. Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Nov. 29, 2008 $2,711,29 i $81.00 AEASE PAY AT LEAST THIS AMOUNT it9031007581609095k JOHN WIMBROUGH 1UU1 Sycolin Road Suite 8233855 L eesburg. VA M175 LrLIIlrrrrrrllL„Irlrlrrl,lrl capital( w what's in Your war(et? Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 1?PaY r a yr„e . ,e.e .,,-L .-P.<,-i,. Q Mov!ngl Cn-ge your address ommr ar o:c tic h:- e HOP cave th,> Planet-to pape•rlvsa. © Sqn up at w:vw.canic alnncrc m. tal One Bank. (USA), N-A- Box 710&3 Charlotte, NC 26272-1053 nlllll•lll••nhl•h•hlPll••Ihlh••11•I•III•ll••Illdld•ltll Please make dled(s payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. 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 Braces, laser eye surgery, and more-we can bring medical costs into focus! Visit capitalone.com to learn more! lul of 1. How to Ards a Pm Charge. a. Grace Pefod. YrJ will rave a rronirnnm 913DO period of 15 dws want fnerce cherge m new peadla4aS, nee balance transfers. new special punchball, all Flaw Sher enarges a You pay yourtd3l' Wardganre", in accordance with the Irrportad Nonce la paYmefts below, and in lime for a to be C-111 old q Your Peysa due ]ate. rt- is no grace pwod on cash adva2es 3nJ spr l t:arsfws. In aLk tm, there is W grace pw!cvf on am tni!-tion a You W! of pay rill Wait New 3eaxti?" b. Aernsy F - Charge. TnemactibN A-h are not surryact o a g:aas period are assrexd fierwB charge 1) tron Ile "s A the t-e.,tron or 2) trim the date the traloiact n 6 P!OCeaaeO to your ACVat u 3) fount the ?.. First -Liar gay at Cte --I wNry period- AdAbrety, a you dot -4 Pay use'Nav 9alatce. hoot the prcriow Uling period in fail, finance dirges mnfl,ue to accnae b yo J, unpl d J Mice until Ile Upped belarr:e Is pad n I.]. Tls rra. . tied yes Fray still row to.-char get, Wen it y- pay ale eni N- Bale- ed[HIE 7 m hue f: nil of your stale'rlart oy U. peynwrl due date, out did not 3o 50 to Ina premonth. Unpad Iloolli charges are au" 01 LW apnK-aaAe agllert d your A=0111. Nililmsm Fina tee Charge. Fa eftM weng Prate Gal your .-A Is subfrl to is tanlce cringe, a mr-n total FINANCE CHARGE or TU.50 Will W le03W. 7. I thrlpaary Raducaan el Fnaloe ChKW i. We reserve the right to ml as'xv a!y u as (nartt? ciKUgWa tut arw 3rven temp perdd- 2. Awrage Day Balance (Including Maw Purchases). ?Mlce crerw a Minuamd by mub*ing Its day trait; nut 3 (each leg-nent of you acrrart (a.g., cash awance pu'hiase, -W transfer, and specal purchase) Iy the axresoading dally periodic :ala(s) Ved has sue, p, ,oust' dmissed W Yoa Al rie end of eadi day during he b11iy - W, wW 4" Ve day P.'-*- rate for each :;egnrlrt of you - t to the daily baeo-J ill :'egrrwY. I t at the enl d the bilig period. w'e aM up the i-lt;P d there dart' _.Lueliwls to arias ut you periodic lion;.`-:rouge for each segment We add up the I-a horn each s,,9-a to ar roue at f re to W perrodt Inane charge for your accounL To g% Ue day balance rot I.7.h segment d you aca,urt, we aka the beglrlnrTg 10ro2 for :arch seyret and add any trap-bone any palolk;@lili Crlarge, --,W aed altie pierkw 'Jay's Jas! fu that -g-11. We Owl subhad ay Iayrte,ts o'credb Posted as or Vat day flat are allocated IO fret ?gn ono TMs *w as 0e*"Me CMAY oofke rRfor such segrnest d Yoe 3 nl- H-Wer, a You paid the I4" Bates" shown oil you pevbw atawroot n DA (OF I V!]Ur raw -nice was zero a a ceM am,Irt), new I.rd'Yiar.'aOr1S. wMC!1 flwL n YOU' pdL'hH9e U" specal !wrc,ase segments afar not added tothe day balances. We .I via ate the average dally W- by ad" all the Jay IXfka;rx trr}ara! and,*idelgthe son Irv the lulba d ^le rbys i, the current wsrg _ryda To eabnlaleyo,r [dal intare chage, TnaipN you -aw day balar" try the Jay penoat, ate and Y the number of days in the berg proud. Due to rardiy at a day oa9e or der b Tatr - rnance dlargs assessmart, there nay be a v .I-- beA.enn Ms :dalatwn and the amour[ of fi ernve cle-W :s':waM assessed. Changing Address? 3. AM l Perceftage Rates (NPR) a Thal tams "Annual Percentage Rala' nay appear as "APR' m UIe front d tMs staterrert. b. a the code P (Oualtey Pruner),'- (Quarterly UBOR), C ,ails ry CO), a S(Bard=rd Prkre) appalls M the Pont of ties slaternont had as 0* Witiclc r2l&N) the pa'iodic rates and m-p-hrlg ANIMAL PERCENTAGE RATES Tay vary 4'y and may aleteme aMCFease based on the staled endow, as found in The Wall Street Journal, plus t,e margin pimiowhy disclosed o you Tnese ;Hagen Will oa eaedwe on it*fsst day of your why period corned by your parbcfic MaMrert -Joy in Ve mattes of January, April, July and 0,00W. c. B ee code D (hb Puree), F (Nbrthy LIBOR), a G (Treasury LIBOR) appears on the fiat d your steterrwrt rued b the periodic rote(s), the penodc rates and oonespddng APPILKL PERCEN IALE RAI'r_S may vary manly and may nn909e or decease based on Oe staied irdices, as rood in The Wait Street Jounal, Plus tne naargat pravowly Jw0sed to you these changes era be of ectme on Ile first day dynrr binirlg perfocl eadl Tici 4. AswslnMN at Late. Umll" GM Returned Paynrfl Fees- Under the terns of your aabmw agrearert, we resarvethe rga to waive or not to assess any fees wf"A won Iofe:ation to you wiOo!twevng our rgbi to assets ore ire a slmwtees at a atertere, 5. FAmbwahp Feet aM Raneaag Yoh Acwurl. If a rreMleship fee appears o, Ills stafwrent, we win credo the tee t you request to Close your aaou i wihlrl 30 days of the mailing of the salBRent, You may continue to use the, eccoat during the 30 day panod before Your request. "Yo' Jo not pay all charges owed on tlls ao?ourtwth in 90 days, or a you use you redo Ord a att unt alter you request I. tea, any :Fern-it-fee Previously waived'" be minstaed "our aocprt. e. Closing or Suspef"" Your Mosurt. You nay ;ei*-' list your accoait oe dosed by rating or Wmlrg tea Cuaoma' Ratio- Oapennert. At the0rre d you rryuest. sve will pro ids you wiur aiftialal deleas on dosing your. .C.". I n's -nay i ckm peynni rtorn!dion K you arse Your credo cad or charges post o you, arxrount after You ask w to close youraccourL we ern Keep your aocou t open or retina iL We nay ;lose or sunpad your -aunt and you iglu to oaten crecK We may m trs at ary are all for any reason, Wool f you "inl o dafauC A susper son of your 3xaurd an Ue permanent or temporary. If ymr account is ;based or 3Jspwded you met slap wag you cant caad and a UIL You.ni3t also cancel as preaul'ioazed wing wangarr&nts to the aaAu't. We Win nor 00 tla of You, a we close a per-rweray siapend your account. You must also aestroy an refill cabs all a=oara access clears. You trust still pay all an ui you owl as on the axout, evert a ItEy were dargo after Your account er closed or satpended. . Arley Payments. Payments you man to w veil re crated to You axcsrt as of V. bu se- day we receive It proNded (11 you send the Whirr portico of free staternent and your -h-K n he .."W rwreh.--." anf (2) you- of ynerd is received in err pr-skg wlter by 3pm ET (12 own P Q. aae9» aloes at least foe (5) bu- days tx peal dslNSry. Paynu+ts recarved by w at wry other Iccabon or in any dnsrform nay rot be creMW as of the day wB recerva them or ouafess Bays a'. Monitor orough S.U,d,ay, esduring `!sidays-_ - - Andress- Home Phone._ _ ......_._..... -....... .._.. Alternate Phone...... 8233855 E-mail Address_ ...... __......._........................................__..... Pease print idd•ess or phone -umbe, changes abeve usinq blue or back ink. 8. Ndie Abel Eadronfe Check Caarwsbn. Whom you pws* a crock an pwrre't, You ath, v w etlw to use YissreAm hom gar check b Talcs a ale-liro i electronic fund 1raroMtmm your deooet a0mu i orto pi0.`ete he parloot aS a OWK trarloWit n. Whorl We ass irtorTatMn fore your dent to ske an slac'trorlc turd nomfw, fulls Frey Mwe"a-fun Your deport ac-'at soon as are sore day wet receive your psynunl and you wa not rut-ii, your ; acre LWK from Your [man w r the instanon, Your auff cr z lm is nor united uy the ]ate 01 utrsck. We rray Irnldrtt le id ebct-Ily cAL-t Iefa Fred payments. 9. BatguPticy K you a s Walled o benlwFtcY Protecto,s for You a=", Vita W-nniun ate rl s only for rto?rnaap'rdl Purposes. a Is of an aaenpt to CNIO t, asses or rwnrw a deal or claim Do not sad any payrnei drecay to as wheat speakng with you bankrup" alloevy or tre Baloapl y Coot a you want to contact w ax>u your account or your bonkeyY:y proeaedi'y. PaesE h We you alt-.y cadaa Is. 1131W NG RIGHTS SUN&%RY (Irl Case of Erors a rLas4Jis about YW din) K you think par At I. wrong, as you read ndB ini-retbn on atransa' or fill. is* lio us separate -A as 'am al V. address, for molui ia9 stows oT trio fmr11 ,r rile saten ent. We mat hear huh r W 11. Lt. Mal W Jays oiler vest Wit you the first bat on wheh ore enf or ossMern aprearad. You can irk ou C-oot -.1ah--1or pony w try wren o webate, but ding so win rot paswve YW righ" In Your laten0- w the toa,/g ktartl®tim: Your name all a swrl rsnbw, Ila dA. stoat d the suspw.YW writ', a eescmptlon of the Woof and an BtPlanalir., I Pass rote. of wry Yes wee-thus is an -l or [You deed irt>;e rtcxnueo'L e ' dscnpt-a the awn you are df6ae aboii You do no have b pay any arroi in qua ll., while ire a:B-tUM-j If. Sul you ale sal obligated b pay to pets d your bra that are rot n %-at,- wrile we-slogae you quipan. we-' [report you as dekrsglaenl or eke any ac6Tl tJ:oller.I the -t Vu questdn t Spacial Rule for CrL In Card Puchases I you lava a poblam veal tnaqudly :d pl-" x se'rtes oat you purlasad with a reds card and you have vied n good fail to CWWd the problarn With " nner, rl pu, Ley have trip lgrd rid to pay ore rare[eg ahnrt ills m Me P'novty or prico services. You I-.tes pmladion out whwt the oucnasii was note than $50.00 end the purchase was Tulle in you lone stale or within 1DD rrles of your stag address. ra we owls o' oPeraly Use r noon &M or awn 1raIW You t. adm* wnwt for the of i eny or services, all prcl- are -..d reganfless d arrowt or locatrm It I-cha-) ?kr.ae nwrenW b sign ai ronmpbndace. I D_as nor soppy :, business --red Caput Ons suoWts nioroa0on prrvary poexaoll. see W j wehsaea wwy. capajo ff j C Jpaal une b a federally r g"Md son l,e - V, A waLtel'JIe 'i Financial Coryaalbn. Alt Vote se ed. 02009 Cadlal One Q-Qb J7;JhW5H- 1 -)30608 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. L' " 0• Please don't include any additional corresponderce. 0 - Last but not least, be sure to write your 16-digit account. number on your check. 500008 whars in yow wallet? It could happen to anyone. Make sure you pay the amount JOHN WIMBROUGH 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 o a GOOD CREDIT = GOOD CREDIT REFERENCES You"re behind BETTER INTEREST RATES (good credit could mean lower interest rates) byl il IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you ?Avant to buv a home o, nevi car? FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date + 39.00 $2,804.22 $206.00 Dec. 29, 2008 $2,711.29 $0.00 ) $53.93 $ Nov. 05, 2008 - Dec. 04.2008 Page 1 of 1 -- - use ors AT ?rss TRrs r,nxxrvr MasterCard Plati num Amount YauSe GeMtd by isle ?,aymrnl. ?.wnenlbe that ;ayiry the minimum ; c-,yn? H by the dIr dat= 'etr yan 5178.0672.9043768 account ; urr-nt so rna4;e sure you send in the rninmum payment to k°elh N? s nt cu-eit Your Account Information 101 AL CREDI T UNE $3,250.00 i TOTAL. AVAILABLE CREDIT $445.78 CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $445.78 r Finance Charges (Please sen revase for impowtarit iltuinlatlDR) BdIencerate Pe,iudc GxrespordM FINANCE tc4 lto rate APR CHARGE ? 'u-chases E2,487.15 9.0%48 o D 9r% Cxil S2i7.85 J D(KA8n D 23.9L% 35.0! i ANNEAL PERCENTAGE RATE applied this period: 2390% c At Your Service - w b wnw.='nr?+sa?n b m.+ye leu s:.cu0. 1- h .lbj! W:9001t a bbL 7r Sbb11 Cad ?' Sneek b Grt07rc- 7 Cat R2 klxts 0 Pay Online ri wwn.cmdabe.,n or coal tars pW-4 b ?ipRal Ora Bmk ;USA), ^J.A. • °.0. 3o !1093 - a-blhe_ 1C 28272-1093 A Send Inquiries W: Carifal"Xe., o IkV 9f185• Sail Lake ON. UT J4 T3. &5 Have a ques ion about a dkmW on your siba6dneW I'lea? refer to the Burg Rytlt; Summary on Lie Sack of your >tat-nova of visit www:.;apiCab le.Wrrd aL5 P4ments Credits& Adjustments Transactions 23 t-UV PAST L)IJE FEE S39.30 _trre• terms previously dsdosed to you, smi a or all of your Annual Pe centag Ra(°s (A'Rs) Kwe been naeased since year account was past due twice in tie past 12 baling cycles. If your rates have alreacly ixa ctrsed, slbseyaerll delihlc}lerxies extended ['Ie dualial d the iKaeased r ales. Ranenx. If ws receive yoar mum monthly moment on time for 12 consecutive bi" cycles, lMs account will be -eviewed for a possble return to your fbn-Int*djctoy APR. You wrry asps-3ed a past due fee beoause. Your mi?inum paymerd war not received by the due date. To avoid this fee in the future, we raxymieod that Yw allow at least 7 p bnet:3 Sys fo your reninnrn pwrneot to reach Caoihal Ohre. ?LLAA REI URN PORTION BELOW YVRH PAYMENT OR UXi ON 10 WV'AV.CAP1l ALONECOM 10 MAKE YOUR PAYMENI ONUNE. 1 5178057290437677 04 2804220500000206005 GaPital,(XF- Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Dec. 29, 2008 ( $2,804.22 ! 5206.00 ?LEAS PAY AT LEAST THIS AM(NiNT t19034007581609092# JOHN WInBROUGN 3001 Sycolin Road 8233855 Leesburg. 'JA 211175 I.,I•Illtr•••tlllrrrlrl+l•rl,lrl Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. O Pay or line -Y1 11111 v a? .Ii n star'..p? -r 1-- Q Mo•rng? C'na190 ynur nddre55, onb nC or Cpl t', o hark ® Help care the plan; t-ua papal-. d sign up at a;,vw capl;alnnccom Capital One Bank (USA), N-A- P-O- eox 72.063 Charlotte, NC 26272-1083 nIIIP•lIl••nhl•h•IdIDI••Ih14^II•l•III•II••Illdld•Inl Please make alecks payable to Capital One Bank (USN, NA. and mail with this coupon in the enclosed envelope. Oils 01 1, fiOa to Avoid a Fiance Change. a.Grace, Period. You vrll have a minimum grace period of 25 rays wthiout Bence Ctage an new Purchases- balancetransfers. new spacial P-treass and thew omen crergee a you pay your total 'N.W lakes', n ac'cvrdwm wen the, Inportat Rob.'e fa Payments belle, and in lire fa a b be credited oy your payment due date. There is no gate pabd on cash adyahose and spec l transfers- In adklji Ulm is no 9mce Period on any tlanelli f You oo :rid pay re tote, New Baker-, b. AWWV Rear- Charge. Iransactions Wash are not subject or a grove period ate assessed finance charge 1) fmrn the dab of the treneachon a 2) R011 the date ire iaamcbbi rs Pao W to your Account Or 3) rmm he first calendar day of the carat hrling Period AddlitionaillY, d you ad not bey be'NSw Balance' from the Prevkas tiling period in full, fironee charger continue 40 accrue n you unpaid urea- until the unpaid balance rs pad in NIL T-i, n- del yw nay stilt owe feral as La 9- ,n f yW M the art m New Balerve idrrated m the flat a your stabs-rent by ne paynrad due dabs. aA did not do - fa the Previous natl. Jrpad tr- derg- die added to th ef%,abIB segnsnt d your A- A. c. dent- Ff.- Charge. For each biaidg period tai your account is subocr to a tie.az charge. a rriarnrn total FtM"E ChKRGE a zQ.50 Will ba unposed. d. rerrya'ary Reaction in Fnadte Charges. We resale the rryd to and assess a-y I all finac7 In-9 i for try green tiding band. 2. Avefape Daub Balance (Including Now Purchases). F trance crey96 C LUMd oY multWyng the Will balance of earn seglad Of your do=" (U.9.. Galan advance, purchase, special transfer, and special purtese) by the corresponding doily, pert do ate(s)thert has been pmr%sly disclosed m yod Al the end Of e9Cnn day during the bWV wnod, we appy the datY parodic roue to %-h -W.il dywr az- 9 to the dry balance of each segment. Than at the and of the bdWV Period. ere add JO the, results d these daily calculi.. to arT-at Yoa panda fhardce cha^gefor eaM segrten. We add up the -=suns from each segrren to Whys, at the MI per odic f drags for your accounL To gut T. daAy balnce for each sagredt of your --..L we, lake the L ynig tapioca for eadr sagmerf. and add any 1ev nansecKre and any l Vance C -90I-I latW of ale aevkas day's wilance fa that se 0-1. We then subbat airy faynents or ledds posted as of that day brat are allocated W that segnmrt. TMs goes us U. veFeate dairy b-W-for aadn segrrert or Your WMA nt. HOWS , d You paid the New Balance snaen on your previous 3taternot III PA 4,010 your man a Wnce vrat zero a a c-M .moon), new trasacwo . Whch Post to your Purchase a speaa purrhaae segneris are not added to the Jafy telllCea. We calculate the average daily daan oy addling all the TdW batsicva Lxpa our and di idilg VW lean by fie owbe, of the days n the curraf baerg cyda. To calcUab Your tOral trance adage. mitappy you, avenge doily balance by the oily panodc rate and by fro rase. a days in Pa oiling pemd. Out to rc nndIM on a daily basis or due to is rari rnanre ct ge assessh-ii, there may be. vaniarce btwatt1e Aculadkinandtheamuunta(sagechigal actuaw assessed- 3. Annual Percentage Rates (APR). a The bnn "Annual Penoidge Rale" nay appear as 'APR' on the, front of Rios statenwrt. b. it the r.W a P (,CAMM ry Pnnw), L (QWnwy Lltsokfh C pufarbrly CO), a 5 Banacard Prime) appears an the runt done, stalarrert rent to the periodic ran(s), the penodc rites add corresponding ANNlA1L PEF CENTACL RATES may vary qua" arid may increase adeaease based on Im, staled Indices, as found in l he VYWI Street Journal, plus the rnergin prevkwsy disclosed to you These chages wrl be effedne an the first day of your ottV period covered by your periodic statement ending in I fire maths a January, Aprt. July aid DcIOl c. m die code O (Fw" Prirre), F (Month y LIBOR), a 3 Treasury LIBOR) appears On the front of your statement nsd to the period. rate(s). the berioAc nabs and corresponding ANNUAL t1ckGEN IACa1: RAI=S nay vary moft.'M' and rtay Increase or decrease based On the stated ini-, as found in The Wait Stmon Journal, Plus tho, nargn pevwsy dock»ed to yw. these choF "`W rM Y_ emective on Le first day of your t,&V period each lionar. 1. Asseearrerd a Late, 0e, 11rre end Returned PWmo t Fees. Under the dime of you customeragreement, we naaaye he right to wave and to assess any fees wthaA crib, nolifi atop to you We" wa yng or right to assess die same Or slrritar tees at a War ti. 5. Marrbelshp Fee and Rwnowig Yw Account, l a rremoe'slipToo appears -dffi statement,, wilt credit the fee d you request b case your a=unt win. 30 days of the .maiing of this statenert You may continue to use 0e account Tuning Unif 30 day parod ba0re your lequ oft. If you do not pay all charges 0i an this account with in 90 days, a d you use your ?," cord x 3cwt r l abi you m oluast to close, wry marbershia fee PFWM* warned nay be rantaed d your acmund. a. Closag a Suspadrrg Yoa Ac=un . You may egsst that your account be cased by calling a swtig our CusYorter Relators Dopetrrsrt. At the time of yea request. we WIN provide you An additi0na deeds on dosing your -our t. This nay Include payment ifartatnn a you use yam credit cad adrarges post to your-iff, offer you ask to Nose your account, we can keep your-rit open or -l it We nay cIwo or ads be d your ac-ut ad your n9h't to odan credt We may m tns e,1 any dine and for any Iee3ar, area f you die not rd defaJL Asuspereicm a your amount can W Pemarart a lorrpora'y. If you account Is closed o, -W died, Y- nest slop -9 Your cents card and accost You tdst also cancel at preauti-ed'Ming aft afgenni to the a odu IL We We riot w [16 to you. 11 we close or pemarertly' susoerd your accost, You must also desuoy all cretltcads and aantint access checks. You nest still bay al arrtustsyou owe us an the exdwnd, even f MW Bare adaged all you account s closed a suspended. 7 Maknp Payments. Payments you ,ref to us will x -Jill to your accord W of the business day - recarve it. provided [t) you send the Lotmm Wdion of brie siatemeht ad your cneck n one arclosed remlOadce aYeiopa and (2) yam paynrst s received in or processsg cat. by 3Pm ET (12 ,non oT). Please allow A least hive (S) bsineas days tx r?tal dadnary. Pb'ne+b ,ecened by rs let any One' loashon or n ary Otter torm may not be credited as of the day We, racer.. them 0..' paiklB days die Monday through Salu,oay, excludng boll ys. Changing Address? Address..- Home Phone. . . . __. Alternate Phone__._..... ............. 8233855 E-mail Address. -........ ..... Prase poi-t adds^ss_ or phone ^umber changes axve using blue or back ink. B. Notice, AOaI Electronic Chock Canason. what t you p wide a cnwx as Pay-IL Yoe, aJdiorize s either to use kdorrmat on horn your check to make a onafine electronic hind transfer tiomyour depoei account Or to process I% payment as a chats lranswol What sue use, Information horn your check to make an alactil fend transfer, funds -ray be, .0th raven Rom your deposit act-.wit as soon as are sane day we feceive your payment. and you WJ na macaw. you rheac Deck front your emacral institution Your aJtnrtration s not smiled by ee late on the dcwic We dray neubrt and ebd- rely ailed etured payments. 9, BanVub%bW ff you are entitled to bermkruptcy protections for your account, U. co'rR -litfo't a bay for nn•rtebo'al purposes. a is not an aaartpt to collect. assess a mcoyer a debt o cI... Du nd sad try pay-fits dieety n ds Wthort speaking I th yore, bankrytry adonry or the Barroytcy Cart b Y-Wort to curRacf de,: .-A your ac t or your W-u tcy pmceedidg, please have ynrr aao- cachet ue. t81WNG Fti -ITS SUhTNU2Y 'In Case a Efraa 0 UYAeaas abou YOIf Be,) l VOd 11idk your dll 6YdOrg, a dyOrl need rrIDB ifIXneban (n e trasacti a teal, onten us ad a separate shael as soon as pxsibi at this address fa 11cIuviea slum 01 the Ran Of are staterhall. we must tear from you Ito later that do Says aria we sent you one het bill 0n which the era a proton appeared. You can Call Oa Cstomer ialaions number or notay :s by -W IX io b ile, of dohs so will rid preserve Your rights. In your letter, gwe us the foltvee g information : your none and account narbar, the colter sing" Of the suspected arr. a description of tM.ror and an e rblanalion, f Prssffe, of wry yout.A athere aurnerror,ortyou!iced-rtorrre1-a description of the item you are unsure atonic You do not have to pay ay anwda m quwtton wale we die iwesi gsarg t. A you am sea obligated to pay the pals of your bib that are not in quest- Whale we Investigate your question, we -1, report you as dellind wit a tabs any action lo codod the anuat YVu queshon. T Special Rule, ton a," Card Purchases l Y- have a Pool" wth the quality of P-V a sevkra that you Iwf=hose d wiar a -refit cad and you rsve hied in gual I rain to MW the pVbWn vmel Ve macrame You Tray here the nighl not to pay the rareintrg aingmt Jus on the paceny or services. You nave his p oalobon only, wren se purchase Pnce urea mere than 450.00 and the purchase was lode rn your rums state awdhin 1'JO roles of your neikng etldrsss. ;l we i Vein O, Operate 00 mecnant. V f we nafed you fro i adNerfeertrerd W fro pnperty or services, all purchases are wvered regardless a amourf a location of P. chess )'ls se alilrertter to sign all correspondence- t Lbas not aopfr ro bsrness acct Capial One seppdxb irfarretion prnaq poledion. see wr wetefeat Nww witaidnamm f-W" One e a federally registered serves rrerk Of Capial Ohre Financial COlp moon. All -igms .d. ID 2ODe Capital One TCJB 0" All - 1 - 03126108 Not quite ready to make payments online? No problem. Follow these simple steps to make sure Q 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 riot least, be sure to write your 16-digit account number on your check. ?aPil'a1?' ?ooa18 It could happen to anyone. Make sure you pay the amount JOHN WIMBROUGH due on your statement as soon as possible. JS1 WHOOP Keeping your credit in good standing can a do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES behind You"re BETTER INTEREST RATES a 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) FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date S2, /11.29 $0.00 + $53.93+j $39.00 ,-( $2,804.22 j $206.00 Dec. 29, 200E Nov. 05, 2008 - Dec. 04, 2008 Page 1 of 1 MasterCard Platinum Account YDdre t:-Nnd by on, payment Rerrr- Der hat "-,eprg the mni'nurn tauymert by he due daft i;eep; yalr 517806724804344 aocount alneit. So hake sure you send in the 7",nknum payment to Keep yax account cu-:e'iL Your Account Information 1 O 1 AL CREDI T LINE $3,20.00 TOTAL AVAILABLE CREDIT $445.78 CREDIT UNE FOR CASH $3,250-00 AVAILABLE CREDIT FOR CASH $445.78 (Finance Charges (°lease see rev°rse fa rnpaftwt i formatbn) Balane- ate Forole Corresponding FINANCE aonlydto fate APP, CHARGE xcnase; x,487.15 0.06548. D 2380; 548.96 'Cash SZ,' 85 0.06b48% D 23.901, S5.0l ANNUAL. PERCENTAGE RATE applied this period 2390% Q At Your Service - ., k) r,.. yotatne.ann to,,wwp yw anent, a Cat I- 490"3363/b?-1ab5t or s bn ?d 7s.A b CAtr - nektiori ® Pay Online d' wrnv ctnrlehre cum a na i your {,a3'ftat kx ,4A11 Urn-&nk(lhA)_ fIA•;n.0. 3. 11',W•(1,• 'JC mil' -133 kvrd inquiries tin: .:mtal f r,e• O. tYtt ;9JISS • Sal Lase Qty, J1 34111405 Payments, Credits & Adjustments Transactions . 1 29 HCW PAST DJE FEE 539.00 Jrde, fecrns pruously dis,-Iosed to you., some a aid your Annual Percentage Rates (A?Rs) have been ,rveased since your account was past due Twice in ere past 12 bdkV cycles. If your rates hNe already lino eased,subsequefdZLAX erode;extefdkdtieduration4theouelaedsates.Rernefnoef.Ifwe -eceive your minimum ,'nonthy payment on time for 12 consecutive biting cycles, fns account will be •eviewed for a possble return to your Non-Introductory APR. Yoj were d a oast due f:e because your minmum payment was not •ecew--d by etc due date. To avoid this fee in tte We, we re oornawd oral you ahw at least 7 asitess days for your iWornum payment to -each Capital One. Have a question about a charge on your sbtmretrl? Please refer to the Burg ?Jghts S;jm nary an toe back of your ;tdienent a visit'www caoltable.::Jrf?dh5Ult" PLLASL RLI URN KMf ION UtLM MITIPAYNILN1 OR LOG ONTO M W.CAI'l1ALDWS-OM TO MAKE YOUR PAYMLNI ONLINE. 1 5178057290437677 04 2804220500000206005 rC-Pi" "( 11 Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Doc. 29, 208 S2,&04.22 5206.00 ] ?t[ASE PAY AT LEAS THIS AN10LJNT rf9034007581609092# J04H WInBROUGH 1031 Syc°lin Road 8233855 Leesburg, VA 23175 loll 11111111.11111rr1ulrlrnlrlrl Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Q Pay ocfinc a ,ytimc--ro "far ?hcc+>. starhps of ?I?;',-. Q Movmg7 0-cio your addrm online or rn the hark TO IJelp .ire the planet--c::, paper-1- 0 Sige up at www.capiwlone.mm. Capital One Bank (USA), N A. P.O- Box 71083 Char Lotte, NC 28272-1083 IllIII, ,Ill,•nhl•h hllI Ill. IN 1 -1111 Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. (k ,I 01 1. Hav to AVM a FaWICe Change. ---- - MM Period. You well rare a mffralm gfa.'B pefod of 25 rays WiMUI ffenke cha-je m new protases, new balm. tranefers. new special putctrsles and navy after cnargas it you pay your toil l'Naw 3alanci IN aocada W wit r* Important Notfcu for payrrats below, and n tme to A to be cn>ded by your paynere Jue date. Thee is 1p 9- Period at cash adyallcea and special transfers. In aJOtion, there a no grace pwrW on ally Uarsar.'Irar I You do not pay the Taal %- aaFere;hs:' b. Accruing 1-Nance Charge. 1 rans-hoes vNhrfh are not subject to a gate period are -e-di Trances cha W l) from tie dale U the ira•sachon a 2) 1- the dare the t Nsecti is Proctsved to,-A-9 or 3) f- the nrsf calendar Jay Or t'a z,r era Oaarg period- Ad lfiorally, t you did nut puy the "Jew Baerrov' flan the Plavias Lung period in fall, rroance charges coraa'de to accrue lo You- unpaid OaNinOe uam Ire, urrpa] D aft IS paid n rpl.Thinnetts Uralyou taystill onelinia--g?, -11 you pay the entire Nair Balance MCated on the fvt ft A your stalerrart oy the payrnanA due data. OA did not W so la the PrOYNDUs 700. Unpad ttrarkw orarges are added to toe aops.abb S-9rnert of your Account alernui Finance Charge. Fa each pawing period oral your acrourt is supect to a fnwroe charge, a rtnxmrn total FIWUACE CAkRGE Df i.50 wall Le inposed. a. I'll 14ed1,011M n "Tanta Charges. We reserve 1 iMa r fight to iron assess a'y a all Tealce ctwgw fo' any given being period. Aewrage Daily Ba6nce, Unicludig New purdraaes). 1 ?iranlce charge is CabuaOed Dy mutiplying the daily t agile a each sag-re!A a Your -t (a.g., cairn anew, purlnave. special tranq , ofd special purcnasa) try to -i-esprdrng daily to-idc late(.) that has tx an ;-,,pay disclosed to you. At toe end of each day JUNNg the Will pnud, war aptly the Jay penodi :ate rw eacn sryrne A Of your -ft to tie dally balan- Of rw-.n ..:egr-V I hall a the end of tee brag period, we add - the result of theca dairy ;abulaaurts tc, anne all your carhodC rma c'a;ga, for eac, seyrert. We add up she result Inane rl segnert to a'rae ati"MI parlodc fir- &large roryour accOUnL To gel Ve dairy valance to oath segnc,t of yOU -111. we We the olpl ang 1eance, w aWh s$yrert anJ old arty, clew transactors aid also P-,Ow fnal c c'rarge ralo.AAW at the prevenas -try's ? iar-fu tall segnert. W. tat subbad ary fay, O-LYEatS posMd as of that day MI are aw)cate3 I, tout ?.grivi TMs sires us Ile separate dairy balltpe for Doc, segnent of your account Hovuever, t YOU paid the New Bake Kw slpwn on your p W r015 stidena't III tug Tor a your Thew :glance was zarn o a credo anent), Thew t arsaceols, wNicrn pat to your pu :'rase O' special prahaaes Tn" Ni not added to the daily oakances We rakukte tnn average daily oalal- M a".9 all ftw J.* Laukuhas Lyether and Wifi.g the sum by then-L" of 'a rgys in fire cuneM buNrg yde. focabusteyar total h- charge, rrWlipy, you average daily balance OY the Jelly Panorge role and cy Ire rnrroar of days In trie timing cur W. Dua to roar "at a Jaly baaa a dun b milinurrl 'inerice charge awes. -c there ney Ip a vanancw oat-I eras cak.'iafnnon ad:N. afro Wt o meta Gna Be acbuaev assessed. Changing Address? 3. Aosal percentage Rains (APR). a The term "Annual P-tge Rao"prey appear as 'APR' on Ve frond ot t':s slalerrenL b. It the :Ada P (Quarterly Vnme), :Quarterly 1.100H), C ,Chermrry C6), or S 9ankcard Prirne) appears on the fr d mid stat-nt nazi to the periodic .We), the Perrodic rahe and c alip NJirg ANNJAL PERCENTAGE RATES nay vary ot.. " anJ nay elCrea9e or decrease based ON Ile stated rloaces, as fgAq 111 The Wall Steel Journal. pks the nargh prevousy, disclosed to you. These 'his 9. we oe enedwe al aftI t Jay a Y- alerg period -DYWW try, your poiaec saleYna t v-c irg in to Noltfs of Jar Wry. Apt, Jury ad rY.tODa. C. U the code D Worthly Prlrra), F ! Vlo my UBOR), or G r Iraasiry LIBOR) appeals a10*fmrt of your daterrrrla Ned to the peiodc race(s), the polodc AM and WrespOrgnlg ANVUAL PEKCENlMt NA I =S Tay vary mJrtny aid Nay IiR7a8e a decrease based on the stated ircll.res. as found k1 The Wall S1.eel Journal, plea the rrargnh XWIDUsly disclosed to you. Ihse, criani"" wla be elective on L'a Trsl day of you bilkng period each mongr- 4. As lesuart of Late, Civeflint OW Relumed Pay'nrat Fees. Under the tears of your custorna a_graerrert, war rgave the .0 to waive or not to assess dry fees wi11a11 pair ?vxYrcii to you .&-A waiArg our rgNt to assess the same-slmler lees at a atart- S. M-ill-ahp Fear arid Rarreweg You A-.t- If a rrlerrCaship f appears oN arts rtalanant, ww wit credit the fee A yourequest b close your aacu't wthil 30 days 7 the lreilirg of UT's strierrent You may coltin:le to use de accoum Ja i g she 30 day period berpe your inquest. If you do not pay am clcirges owtl on this acrourt wth in 9o days, or t you use your c-" nerd or acoount after you request to close, ally rravroersllio fee pevlousy waived may be :'eirhsated to vow accout 0. Cloailg a Saspergtlg You /pwunt You Tray regxfst that your account ON closed W calling or wiling oar Cast- Relaauni iyepanmeA. At the lire of your request we will Prat'Ale you with addiin'a Jetats on dears your aOOouA. cols nay XCIWe payrlaxt ttfurreson. t you use Ym- credit card or-charges post to your accoUN: after you ask us to dose you account we can keep your account open a rappel it We may clan or suspend your account and your n" to obtain Cr"- We Nay do eras at arty tnhe and for any reasOri. WWI f you are rot a1 daYaut A SUSprhsdrh of your Secant znbep Tinian atert ,y If yea acrount Is caned or suspended. you Nast slop using your c_a, card and axount You runt also cancel all preauenrized oiling a':'angarnwns to the accoUlL We wig not --- you. If we close or oW-narhandy suspend your accout, you must also destroy at crwM cards and aoo0WA access cock . YOU gust all pay ag .-n es you owe us a1 the -TL well t they were c hargaJ oiler you- acco rht s closed o -Pwded. T- Mardis Paynats. Paymants you Nall to is will all credited to,- -1 -d the pswCss day we recenat Provided Ft pu send Ue i Ot:xn podim ontle saanent aq row :recK vitro algOead faNtalpe wyekbpe a13(2) yw? Deynelt s ncarved in au procassng eater by 3pm ET 12 noon ??. 'M_ese allow a least five r5) bluness days fo anal dekvery. PayrrmAS recei.'sd by ra at ay rArle location or n any Other torts May not be Sealed as of tee day we r ecsfve Item Our p8oeas days are M Keay th rough Satulffiy, excluding rdarlays Adores Home Phone Alternate Phone .. 8233855 f -rrail Address-.__- P',case pint add,ess or ohor-e --be, changes above usi-q blue or b ack ink. B- Notice ALroLL EbUronc Check Conweralon. Wnen you p'wga a chi W payrm L you arum Ira, us agar to use kfometim hanyour chuck to Take a one4m eleCrofi C flrhd Miller from yowdeP089 WOOOUI l or to process IMi pwyrrat as a deck trare9 wi. when Via, Use irfonnatlon from you creek to make an etacborYC turd transfer, funds -ray be wllgawn fun your deposit accuu t as soon as the sarne day we receive you paynerl( and you war Not MOMY0 YO Ur 71il book trorn you (neaps institution you aulfraimon a Nat arnded W the Jae On Lb check We nay rsaubrrt alq ekedro -arty a*ed :.elrx Tad paYmerts. 9 Banloupill t you are smiled to o arkruplcy orOtectore for yar az+ourt, t1s conrrarrCmprl s pity for allornallilloral purpaes. It I. not an aw-0 to coast, assess a nswvar a deot or claim. Do not said any payrrelts directly NO us Willi speaking with yar bankruptcy attorney or to upill rup4y Cart a you WWI a contact W aoout Ywl accMNN ayou baridtlplCy proceediry, oease have your ai --too - tBILJNG R13HTS S'I-V~Y (III Casa of Eras o' Quessonl above You kNO) it you trlkAC your At is wlprg, or 9 you reed not iffonlatnn on a t'allSai o float, wile m us ul a separate sheet as soon as possible at Ure, ad rim for inquiries shawl Dn Ile front of gas staenelA. We NIBt (hear born you ro tear [hall W Jays cellar wee sent ym therfst pill on MMIN the error a pobiam appeared. You can or our CistoTar Reasons nlrnoer ornatty bs ty enat or websie. b1A doing so Will not preserve your rights. In Your b#M. 9" as the tolk ea g mfonration'. your nave and acloutA leuTIDW. the dollar anoint Of the suspected alror, a deacrii of the error and an exOlanalion, f possble, of wiry you believe tae is an wro'; or f you d rrae itorrraeal, a rsecroxori d se item you are unsure aWnt You do not have to Pay any arrourt in quesfon while Wa IN, rweelatia g it, out You are sell Obligated b pay the pans of your till that are nor in question. Wale we invesfgale your question, we canna report you as deequert or take any ace- m tolled the annum you q r Lion. t Special Rule for G-M Cant P.rchases If you have a probernwth true gwYy of pwe,ty 0, senkcs (flat you purrtasW will I a credil card and you'ave tried in good fail to correct tre pOhlwn win the marCNW VL yJU 7W have tye right rot to pay the ranatlifg anounf due fire the pODety' or services. You have tlla pnoaclon orgy when the purchase price was more than W1.00 and the purchase wale :'rode in your tone sate or wAMn 100 nines Of your nNe" address. tin we VMl or opefa0s Ube ffwG IIL Oil if ova Moved yOJ the adven6arai to the prop" or services, am paict-ary cl,i regardless Of emir( or locatnn at purcnase.) ?ksase 'Wrherrtuer to sign am corespondence- t (bas not apW 0 b- accoon's Capita One suppods i fornatbn Privacy putecw, see our .eebnfe at vhww.ceotalanle.mm capital Ole s a federally registelyd servos -K or Caplral Cho =lnancial Corporation. All rights'-ad, ® 2008 Cap" One - IC.oS O t DMdO^JS - 1 -OY2R'DN Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: Dont staple or paper clip your check to the payment slip. Ile 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 riot least, be sure to write your 16-digit account rlulalher on your check. JVVV Ib Capital One' does credit cards-and then some! 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. ' - r MEMBER LENOEN FDIC Yoj were assessed a past due fee bew,Be your mininum payment was not i by the due date. To avoid fns fee in ft (inure, we recoirr d ttgt you allow at ba5t ( tmin ss oWs tx your 1arvrl?an p"awrient b reach Capital Ore. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2 804 22 $250 00 + $55 33 $154 46 $2 764 01 ( 687 00 J 30 9 ? , . . . . , . . an. , 200 I Dec. D5, 2008 - Jan. 05. 2009 Page 1 or 1 i MasterCard Platinum Account ? i Payments, Credits Ad&*nents SIM-M z-9o4I.1d5n _ 1 12 DEC CAPITAL 0^IE OfdLl"•lE PYtdr JiuthDat° 11-D cC S15D.00- Your Account Information 2 31 DEC CAPITAL ONE OPILIr,E PrAT.Aut11l}aL9 31-0 EC S10000- rotAt_CREDII LINE $3,1-0110 al Uom Trans OTAL. AVAILABLE CREDIT ` - - - - - - -- - -- - - 3 20 DEC PAST DJE FEE - - 539 30 CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH $3,250.00 1 $485.30 ; 4 31 DL(; tN UKA LK AVIOrdI(7S 6510 1-1 1 I I L'A . S115.43 Finance Charges (?lease s`e reverse fa important idorrrrahnn) 301ax.•elate Peixic Correspadkg FINANCE jpx>Iwij10 late APR CHARGE 'retries 52,471.74 O,X342. D 23.15% 550.16 Cash S;5430 D.Dfa, 4 D 2115% S511 1 ANNUAL PERCENTAGE RATE applied this perioct 73.15% J . Q At Your Service - G6 b.nw anddieb irony. y- unxx L rCat It7U0.W3Lr 637bmpatabstorsbWca4 orweal;bO ww RAW. 0 Pay Dnfine a wnw.:;m waiino Iml you w wit b: ?4" Ore 9mk (USA). ,"TA. - n_ 0. 9x 6492- Caol Steam. L t-,197-642 Send lnquines W: ;-W Ore" 0 i ox :Ar25"'• Sat Lake Oty, w miuwm Have a question about a charge on your sitahmert? Ileac r0er to the bi" Rights Summary on the back of your stotanerit A visit www ?itabie.curdd5oute5 ?LLASE RE I URN PORTION BELOW %4M PAYMENT OR LOG ON IQ WVAV.CAPRALONE.COM 10 MAKL YOUR PAY W HI ONLINE. 1 5178057290437677 04 2764010100000087006 C.apl?a?? .vnar': m your waJlel.' Lend a hand. Save the land. Manage your account online today- its fast, easy and secure- Pay I.- . y1.mc-. - n. Lhi'J ., ni -J-1" 0 Moving? Chaigc your mddre, nrmr nr c.'ho hjck ® HOP uve thr" •I,anr f-[,o 1 a -.•rles} 0 Siyn p ,,r www. ?eritdlvnccnm. Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Jan. 30, 2009 $2,764.01 187.00 PLEASE PAY AT LEAST THIS AMOUNT #9000607581609099# J04H WImBROUGH 1001 _cycolin Road 8233855 "'te 6 Lee>burg. VA 20175 fill 11111111111fill 11111u11111 Capital One Bank (USA), N-A. P.O. Box 6492 Carol Streae, SL W1917-6492 ..IIll. •.1111111•[1111IrI-'r Pv111111111111?1 nd?uml?rh Please make dled(s payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed emeboe. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. 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 Braces, laser eye surgery, and more-we can bring medical costs into focus, Visit capitalone.corn to learn more! k i,L.[ ^J .',. - 1. How to Avoid a Fiance Charge. a.Grace Period. You will have a minimum grace period of 25 rays wili inane charge ne new purchases. new, bbill- tranarers. new special purchases arld new other cfargim f you Day yourtalal'N6w dalance". in accordance with the Im,ponari Not l- for paymems bey, and n Ilene for It to be credoed by your paymanl dua dale. There a no grew period on cash mm.- and special traraters. In "'him n, brave is no grace period pin arty tt-WWtial t you do aril fay the Mail N B.im_- 1 0. ACCnuffg Finance Charge. l mr sactmm which are not subject to a gate period are assessed franne chage 1) tnom Ina care of the tlanaaLtten or L) fmm, the We the vasacval a pfpwssea to your AC court or 3) t" DR first calendar day d the alnant W" Period. Additionally, it yr., did nor pay the 74-w Balaictr from the Pevipls [Alhiiq period in full, finance charges Contrue to acme to your unpad oaalce until the unpaid tafaca is par] in full. Ttis maul Lira your" sill owe finance dense;, even If you pay the arils New Balance nacaled cn the front of your seamen W tilt payment dud claim. out dd nor m so, to, tr,e previous moil. unload tnrance charges ar, added to Coe appicao9 sagme t of "IA-pwt c ianim- France Charge. For each calling period that your -,I a ubpect to a financecharge, a -- total FINANCE CHARGE M $050 will L. imposed. C. temporary ReauWion in F.-Chagas. We reserve thenight W not assess any of all f m-charges f, If amen pang period !I 2. Average Daily Balance (Including Now Purchases). i nrence charge a calculated 5y nlaapyng ea daily ?'. twelve of each segm a W your escort (e.g., caul . Vance, pumhwe, special transfer, and special purheae) Iry ire X-POrsbng dairy perkdc rate(s) dot has bee 'I Ieviousy locos u m you. At fe ON of each day owing Ine wkg period, we afwy the day Periods rat for each sagratW your -4 to the daily balance acrd, !fit Then at the all a the Wag period. we add up Ire Iasub of 71ese rely calculations to anye at your psrlofllL• ftano.'narga for aam segmen. We add up the 'MM from seen segrert to amre at are sal periodic finance charge for your accolnl. To gel t e daily oala- for each segment of your acaarnl, we take the beginning Laance W sanl segment and add any new [a ..b. B ad any periodic uremia VWW Calculated oil the Pfeviou,, Jay's dalacuI tfaal segrat War darxubtr-act auy payment. a4 amts posted as of that day t'ar are albcaled C> ttet w9mait This 9- s, the separate daily balance, for tam segment W youm account Fbrveve-, t you pad me ,leer Bakace shown Dn ywr previous Stamina, t n full nor t your maw :aanca was - 0-4, credo amt uhf). raw Ial)sactir., whion Poe to your vu:_-i,ni,e pf sp" p-lim a segTario are not added m tee day bola-. We ,.W utete the average oucy twlane ov adding all Ca Joy balm- taythen and dividing oar sun by the numb. of rue days in the cun-ea Pilling cycle 10 ralculateyo r load rna,w charge. mu" your average day l1aalCa by the jelly pertoo , -it-- and by Ire nlncer of lays in tie olang c xkra. Lleto rourdug on a Jaiy bass of We to mienrn finance doge alsessmera, here may be a variance cabyeerl tai cat: m-I and the anuA t of fiance drays .-achy assessed. 3. Annual PBrcerMage Rates (APR)- a. The bnn'Ann all Pe cwta'ge Rafe' may appear as APR" on the fromml of this stetemalL o. I the code P (quaawy Prig), rQuartwy UBVK), C ;Cuertwy CD), Of S (9ankcard Pnne) appears on the frprt of 1116 statement nallt to ha parloac ralaI tie penodic roes slid calespording ANNUAL PERCENTAGE RATES may vary quarterly and -my vc,ease or decrease based oil the slaa i Faces, W feud in I ne Wall street Journal, pis to margin previously disclosed! to you These clragee will be affaane oil the first lay of your billing period covered by your periodic Walernwi ertim in the months of January, APIC July and OdrbeI c. ft the code D fTAm" on"), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the fmrt of you-slaterrent nerd lo the periodic ale(s), the pwiodc males and oomesponding ANNUAL PERCLN IA(- RA I ES may vary moritinfy and may increase or dia ewe owed on Cie saOEa indices, as faced in The Wall Street jdwmat ph. the margin preven.ly dacbsed to you. These ch iow will W .f__ . on U. fiat day ayour uiaing period seed, month. 4. Aviessment of Late, (NOMIla and Raurnad Paymwt Fees. Under the W- W your olslorer ageareit, we reserve the nga b waive or nor W assess arty fees "Cho"' prior notirncdion to you without waning or right toes , the same a 3"Mrrase at a later tole. 5. fAmnlo to Fee ad Ra9winp Your Account. a a mannowshipfea appears on pas statement, vae wll c-ir the Fee t you request 1. close your account vvmpl30 days or the mailing Of the statenert You may cptin'.e to Ise Ue account Ming the 370 day PWM before your request. It you do riot pay all Barges owed on this acount wln in 90 days, or it you use your cnedlt caj ,r aCCdlrt alter you request in curse, any membwsrip far, previously waived mmy be retatamd to your account 9. Cosng or suspending Your Amount- Yoa may Wiest that your W-ut be dosed W ." or wrakg der Customer Relation. Cepadmat. At the time or your recM.L war will provide you wan additional Jaiais on closing your accou 1. This may, iodate {wyf-t "ormaaort h you use you c+edIt card or charges post to your account after you ask us to close your ac ,cunt, we can keep your account open or ... per, t. W. may close a sU*.id yam -ml and your n" to obtain arm t We may CID the et any time and for ary reseal, evwl r you are 10 vn default. A suspersia, or your accord clan de pwmaenl ortannoca ry. If your account is .hued or s h4- dd. younest stop usag yowr coast cad ant -III. You must also cancel all pmallloized WWV arrangements to the account. We Will not rho rhs for you. n we close or pla-rareray -W)d Vow alxolrt, you must aso destroy all clednt cards mid acealrt access c`ecks. You mast 9911 pay dY amDullL4 you ore ins oil the a;i,Wrt. eyed t Vey were damgad atef yow account a closH7 a supwltad. flanking Paylrlemft lowneMS you Rai tD us will J9 created to your account W W the ou-s ray are receive C ..*Jed (1) you lard the bottom portion of dii- sfaterrlwri ad your clack in the N Closed ne"arcl, er"u'. 'I'd 12) ywr paprat a received in err plrxessng carrier by 3pm ET (12 noon Pin. pWme allow at West five (5) bussiriais days for focal delivay. Payrtats recened cy la at any Wham ocatin or in any other forth may rue be secided as of the 'My we rewwe term Ow outiness days 4,B I.lody through Salu'ffiy. -. Wig how" Changing Address? Address__ 11i Phone.-. - Alternate Phone--, .......__.... _..._.._................... ._......_ ................... 8233855 E-mail Address . P!case pri:^.t address er oho-e -um e, changes axve usinq blue or b',ack ink. WI rll 8 MUM Ali = Etedrare Check Convason. When you P, (vde a d-* as payri you eAhoice us at- t0 Ise itom sh n from yea check to myna a pro*re electronic fund tlalalll from ycur diii awou t or to plopeoe the payment as a dark lraraactlo'1. Whorl we use Int-rector from you ehrJpk to naka an electronic rand thirster. funds may of wlasiawn from ywr deput t acmult as smn re the sane day era receive your psynaM, and you war not red a your ckCiC tern, I- your miancla in Motion. Your au monuaa'on a not whited by the Yale on the chaWL We -nay -1dltt mid eaml ortcey Collect Liu led payments. 9. BaIWM*W- If you era emilled to baicruptcy DmW1Wh I for Jar acouI Vts Co'TRall pin s only for lntorretioal pur-Pses. It le not an ademo to collect, assess o recover a debt or clam. W, lot sad sly payments wren to y willlola speaking with your t>ankndpicy ahorray or re BaW i c;prt 9 you want to CcvlGdpt Is aDwlt your acrnut a you benCi{uy Dmceedii), please hate y'or aVOmev cortzict a tBILLING RICH I S SL1AI,MRY rill Case of Errors o' c}11esaore 4,00111 Your mih If you oink you all a wrong. or If you need more irtamatbn on a tralsacinll or UdL wile to us on a sepa-aa sheet - -r as possible at Ce address for inquiries show,, on Ile froM of I/vie stall-it. We trust hear from you rw tier than era Jays over we sent you the rrst bill on which ff. -a "blam appeared- You can cat ow Cush m_, Reiabons numxr or rrcory us by snail or w I as out doing ao Will I" preserve par rk#rb. In your War. give I4, the t.F.-V information. your name avid -1 rnrn w. the dtar anauit of the -P.-M w-, a desclipfbn Of the ernr and 31 wolanallon, t possible, of carry you Lemmetiesern..or tyou eedhoenfaneWna deacnclaph or the tern you am arsure auouL You do net !lave Lo pay any amount in quealun wale - ae ryestr,,phg K. "A you are sal obligated to pay to pats of your bell that are no in qua,itm yvhlb we invesagete your question. we camel report you as delrusert or take any actin, hp coledo tie amuwt you question f Special Rue for Crest Call Purchases a you have a pnoblwn win the rally a pt ty or se ices trial you purchased with a cat cad all you rave tried n gcod lath to coFTW the problem we, the mwc'anL you hey have me nghl not to pay the ranai,nq amout olla on the p oowty a senvicgs. You rare t- Praection only Whmn the puCtrase pride was mat than S50A0 and tha puraual, w maditr er yrwr name state or within 100 colas d your mating address. (n we own 01 operate toe me'eraat a t we rreavd you li9 adwetaertart for the p-perty or servhes, an purchases 4,2 W 11 rep'Ji as W -t or I_aun U pal's- ?. -hermtel to sigh al..... P..Je g. t Co. not agdy ro our s_c Capital or. .41M. 6Yonaurn P-y Pate ion. see :nu wetelle at wwwcilow" ourr, captor 4,w P a federally fwjwm d swvrCe rnna k a Capaal 4,A Financial Corpoatlun. All vigils naW,ed. ® 2709 Cap" One r V.0b Iii DM91X%i-1-oyltlo 9 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. • Oe sure to use the payment envelope that came with your statement. Using a different envelope could delay procesrng. • Please don't include any addirionai correspondence. G Last but not least. be sure to write your 16-digit account number on your check. JUVVIb 892IL- Capital One' does credit cards-and then some! 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. 121 MEMBER _?NDEp FDIC taptltal 1E' what's in your wallet? FINANCE Previous Balance Payments & Credits CWGE Transactions New Balance Minimum Payment Due Date $2,804.22 - $250.00 * $55.33 1+ S154.46 1 82,764.01 $8700 Jan. 30, 2009 Dec. 05, 2008 - Jan. 05, 2009 Page 1 of 1 MasterCard Platinum Account 51MIMn.9043.7677 Your Account Information TO I AL CREDI T LINE $3,20.00 TOTAL AVAILABLE CREDIT $485.(30 CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $485.00 (Finance Charges (Please see reverse for important information) Balarre rate Pe iodic Corresponding FINANCE applied to [ale APR CHARGE j'rctiases 52,471.74 0.05342%D 23.15% 550.15 ash 5154.80 0.Db3" D 1315% 5517 ANNIML. PERCENTAGE RATE applied this periort 23.15% iT%k At Your Service. w 2 wwn.?silairre.axn b nura3e y.., -x-L or Cat I MA)3-3637 to report a bst xsb6n cad or spat, b QaMrer n;LAivs ® Pay Ordine d mwr.cmAi>bre.(am o- -i you pw-m b. ?eIAal Ore Bank (USA), NA • P.O. 9x 6492 • Carl Steam. L 0)197&132 Send Inquiries to: Clytal(kre? ='.O. B. 97195 - Sal Lake Qty, UT M TSJJ195 Have a question about a charge on you sotmlent? f'leaoe refer to the B" Ryhb Summary on the back of your Aalenent a visit w t; a. ilakne.corr CkPAe> Payments1 Credits & AdLustments 1 12 DEC CAPITAL DI.1 Oh1L -, E PYIv1I AuUvate 11-D EC S150.04 2 31 DEC CAPITAL 01F OPLIAE PYrAT AUIhDate 31-0 EC 510(3.00- Transactions 3 2) DEC PAST L),JE --EE S39.30 4 31 DtC L UASTLIZ AVI MK;! ; L'NJ U I I I Z -'.A 5115.45 You wer assessed a past due fee bEna se yax minmum payment was not '(--e M by the due date. To avoid ills fee in the future, we recanme d that you allow at least business drys for your T"mun payment t)-each Capital Ole. PLEASE RL IURN PORTION BLL(NV WITH PAYMEtrT OR LOO ON TO WAY.CANTALOItt.COM 10 MAKL YOUR r'AYMLNU ONL7NL. ---'?? 1 5178057290437677 04 2764010100000087006 C-pital,Qt?1, Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Jan-30,2009 $2,764.01 $87.00 PLEASE PAY AT LEAST THIS AMOUNT #9000607581609099# JOHN WI11BROUGH 1001 Sycolin Road 8233855 Leesburg, VA 20175 Illllllllal..llllrllllllllllllll Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 0 0,l w Lr. Grnl- .. j- _. err,-rps v ...?. Q Mr, aingl Ch.,?oc your ,_ddres•: onirnc or cam. -h? h,cA. Q Hvlp s.wv Ihr Aare;--Go rap-! i 4? Art, r,p a3- w,v,vc:.p;r,ll:lnc :..m Capital Ona Bank (USA), N A- P.O. Box 6492 Carol Stream, IL 60197-6492 ..fly..Il°4hIIh16'i.lrll.dlllnhhlla•lHl?lw?l?l•II Please make dled(s payable to Capital One Bank (LISA), N.A. and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. 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 Braces, laser eye surgery, and more-we can bring medical costs into focus! Visit capitalone.com to learn more! t. How to Avoid a Fkenw Charge. a.(arace Period. You ova tees a rt heirxun grans period or 25 days watoll fierce ct-W rn rev p..h- new balsrrea transfads, new special is mbits- and new other charges it you pay y-total "New Bakin.0% in -ow rrRwith the Irrl -11 Nonce for paymshe beb. , and rn W- for a to bit aimed by your paynent Jue dale. TIE: B Is no grads Period on cwn wra o" and speCal Irans(ers. In (NUltron, mere le no grace Period o:t any Vareacagt t you do rot pay tre I1Pal New Baarlue., n. A-uing Finance Charge. Trareaceons vArch are not subject to a gran period are assessed faence cha ge t) jmm lie Gate of if* lrarsaclfon or 2f from the dale the rarbact on s PIOCessld to your ACCOUt or 3) frDTl the first dalarrtar day of the curra l bi" period- AJI"rially, it youdid rot pay the'Naw Balance" franthe revers tkNrnq wriod in full, finance charges controls b accrue b your u'"W baarlce Wild the urpad beleme is peel kl furl. The awes that you nay still owe finance ci a 3es, en a you pay the enlse New Bale- indicated on Ve fiat d y- slabmxa' ma payma# dus data. but did ',i rid do so route psvnls math. Lh and It-charges ere added W I- aDpIstabile "InnOrt of you Att-- c. KNrlknare Finaern Cterye For e a& billing period tat your ..-A Is "itol ed to a fineries oIhanp, a RtlnLrrl total HNANCE CFNRGE or flow Vow to rpoself. cl. Tenpurary R"Xilion n Finaas Clarges. We receive tuna riyM W nit assess try a aN faase Chagas fo any given billing Perm 2.,".ga Daub Baancis (Incfudkg New Prchasee). -mo a Chrge 6'.athuledtl oy rnt9A*r ig the daily wk."d esa.'n seg,tra d your a=wt (e.g., cash .ante purchase, special transfer. and sa l Purtase) by me -Iesw.hrg daily paxxlc rate(s) that has beet Previously dlrsClosed m you At I,* end of each day during the pMg penal we apply the Ube Parade rails for each xgr a it of sari -rt b the day balac+s d each .segrnat. Minh at the end of the btwtg period- we add up the nrsulls c f these dart' pkniabns b arrive at your periodic frna c Charga fa each sagmert. We add rip the I esuas trap each se3ne9 W - at Ve bGl Per"W r"name congaroryour account. To gal to dads Wame for aach segment d you accourt, tie take the begirar® Isal-fa em:h sagnert and altl any new transacts- ad ary Parade friahols Charge calclalaw on to Pf ouu5 I d , b ?aht- rot that seyrnnt Nb than subbaq ay pay-ft duo Jas posted as of that day Ctt are albplyd W trial seyrreht Pus Was w Vte 3vounete qty balerce ton each segment of your Wcourt However, d you pad the law Bnars:e sl-wn on you Pretrial Adwrier in rill (or a ?', your new a-was zero or a claim-ant), riew Lalsa.?Dlt, wrliCi post to you pu2nme or speadl ;-ha- segrehb the not added to to daily oallnees. We ::abuhAB M. average (teas Danis by eddly all the JaN+ Will, roar tuget. and diiid.W ma surn by the r nbe 4 Z days rn the rrat btli g gds. To ralallet -slot _e Charge, "Ali y your average day balelrce by aria ;any perrodrc rate and by the natter of days in pre brang Period. Due to rouiurq M a vary bass Tor Cuts to Minerintinn inanre charge avsessrteM, mere may to a variance tletweet tux calcullit"i a:d the arm" of htrice chi ge a,fue,V assessed. Changing Address? 3. Anrsel Percentage Raley (APR). a The tariff "Annual Percettilipe Rafe' Trey appear as "AI'R' on the front or this statement. b. N the WW I, (Quakily I'nne), _ (Quarterly LIBO!i), C (Querbaely CD), a S Bankcard Prime) appears on thef-o 1 of the stalls nant nod to the Peno6c rate(s), the parade rates and corresponding ANNUAL PERCENTAGE RATLS MR vary quarte'ly and MW toneese or decrease based al tot stated r'dlces, as Found n The Wall Sir gal Journal. P.L. tie n ill gin Previously disclosed to you. These clays Will be Milne al to first day of your SaFg perri,t coyarnd W your periock slet n ent ending in to martins of January, APn1, July Will (Haber. c. n the coon o !M,," Puma), F (Monthly UBORy or 3 jr-eas.ury LIBOR) appears on me Volt of you- staterrwnt neat to the pertodie rote(s), the perudc nabs ad -poMng ANN AL PERCEN IA(iE RA 1 ES net nary -ithly ant W ,- a dacnaase based tins sated irdlces, as found In The Wall Street Joust. pas IT— -Vin Pre rohcly uscbsed to you These erases wet x Madre on are fast day of yar bill period each -41 1. 4. Assessrtwa of Lad, Overrlana ad Returned Paynert Fees. Under the tears of your a IlDr al ageerredl, we `eser i e Ine right to Wave a not to assess any fees watrrut priori notilkatia, to you wthou lialvirg our night to assess the same a senlertees at a later ame. 5. Mertbershla Fee and RWWWNg Your Mount. ff a nlarft)9lsrnip fee, appears on tills stadnent we wit credt tt tee d you request to close your account wthkl ;f0 days ot tine mailing of Ins slalemeft You may caenJe to use the ecLwnt kinig the 30 day Penrod before your legiler t. If you do not pay all charges -J on Ins account with in 90 days, or IT you use your On" sera a aconhnl eltw yell Tque.St to claw, ay neniberithiofee previously waived -hey be reinstated b your acco nt. a. Closing or Suspeidng Your Aowurrt You may :er uest that your account be Cbaed by car" or writing our Custorna R.I.W. Department. Al the the of your request we YIN Provkfe you vlaru audaiofal details ort dosr ig you as 4. This may I,.. pay-111 Y"orist", N you use Yea' credit Cad aaerges post 10 your -Urt the you ask us to close your account. we can keep your amount open r reopen it We Trey close a swpeid yw, -Vt and your rgnt to ottan creel[ We may JD INS at ary Ime and far any reason, even it you are not IT default A stsio-ion Ay_ account can Cis pemererta Itinoo ary. If yoar account is cluo d o suspended. you nines stop using your c'ed8t card aW amout You must also cancel at preauillom f -king arralgerrarllS to tie arxout. We WIN era do of s urn you. 0 we close a perranart ly suspen:1 your accourt, You nest also d.&ny all ands cards and accent access creeks You must stdl pay aN arRwrts you t us a, tte az it, eve, a they where dargeJ after your amount a. closed or suspended. - Making Payments. Payments yea mail to hs will be created to your ac 4 as of the bhaf- day nit receive L pmvideu,t) you sad to bottom portion of mis" Who rt ad Ywr Check n the es:losed rnrhear y-Wololl and (2) your Payment is received m ou->rocc-ssk,g carter by 3pm CT 172 rnai:°7). ilea- aNW 1 1-1 fne(5) busteess days fx postal dsfwery. Paynerts reaswed oy w day dhr lactation or. any other I- ruby not be craoaeo as a the dily eve soave them Ur D-- days eta klutlwy Clough Satu'day, excluding noatays- Address- ......... - __ _ .. Nome Phone Alternate Phone... .. 8233855 E-mail Address.. Please v,rt address or ph ore -tumbe• changes abeve using blue orb ack ink. IX,h GI a Notice About Electronic Chxt Conversion. What, you p'wde, a disrdd as paymnt you a I&- w aihert,l use idornetion from you cl id b make a ona.tirp electrons Intl transfer from yardepoei a-und or to procaes the payners as a crivok tanractp n. When we use irtorrretlon from you Nieck to nake an aectronic runj barrister, fads nay bewatdraVlo f- your depose accout as soon as doe same day we receive you peyrrent aeJ you WIN!1d rBGene your .' UWK firms you 1. taI1Gai institution. Your a uaorlZatorr s rot knitted try the gate on the cf n. We,cry nesubint and eeuI,,, 1Iy cWkct elui red payments, 9. BaniJUphy. N you are &WW to bankruptcy pmtecfore, for you duoutllt. pas conrnurtwo'1 is only tot seorrptlonal Purposes. If Is not an allwV to willies assess a recover a debt or ,fain. U. not send any Paynelts dsecty to us without speaking with your bankruptcy allor wV or the Bariawo y Gout t You wan to coraact us aooul your ac flu a Your uQrk1pe.Y Phomeding, please hate your storms, contact is, tBILUNG W GH IS SUMMARY (111 (:aSa d Emits a Question- about Yar 'zits) e you fMk you Al is wrong, .,if you --it - Information rn a hah3a boil or bull, write b us Gin a separ ate sheei as soo'1 as _IAA- at to address fa inquiries shim on I I9 front of this state rw iL We mull hu from you nU title than W Jays aver ruse sent YOU foe fret bet on Mlkh the anon or pmbarn appeared. You Can ttaIr ear C:Staner Relations hum- w nary, us by erred or -bwle, out doing so wig not resew your right, It, your later, give us the nllawrig atormatlon: your felt and au in riurt9r. the dollar afDUt of the swfuOsd err, a da iptbn of the erne and an ezJianalrm, f p-ible. of why you baltw'e tent, Is am ero ., it you heed'IVe nlo'netrs,,, a descrrplnn of the item you are uture aoohi. You fib not nave to pay any anwrt n qulWfal While ova a e loVest,_Mig "I'M You are still Obligated to pay me pans of yaur UM that are not in quesllm. Witte xis IrNealgde your gL-,O,on, we card report You as deliqunt a tattle ary actin, b =ailed tne trout You question. 1- Soecel Rule for C-lift am Purchases t you have a pnobksn with in. quaky, Y p'aeniy o se,- that you purchased wain a druid cad and you hale Lied in goat fat, to comact the pobern vat, Vie:raC'ert, you trey have Vw_ right not to Pay the -ling amens due or, the om.iya tees. You rev. t'ss probechoin o* ,Man the -ad,- once rinse then $0.00 and tee purchase was -ride ,h yar hanne stele awnhxn T IUD rt.I, d yar manna arkk- ,t we aw'n or opaae the era Cna,t v a vva rrati you the a ivrtaenen4 fa the prooerty a senicas, as pwchases are ---d garlless a anwM or location d P.,-se.) -erica rer enter to sign aV c foorde- } Does .rot appy b oasrness ear:?'s Capital One suppaisatanatrl, play protecoul, see err Y,ebste at,vdlwtaptabr nn Capdal one B a fedaaty ;ygrsdred seIy",m K or Captdl Jiie `In3m1a C o.Wrelron. All dryts'nserved Q 2006 Cadlal (Doll rc-'m 'J t JP.7dlYd1- I - OYldala 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 step. • Be sure to use the payment envelope that came wiCn your n statement. Using a different envelope crntJld delay processing • Please don't ,include any a(d?t:onal correspondence last but not least, be sure :Q write your t G-digit account number on your check. Capital One' does credit cards-and then some! 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. MEMBER LENDER FIXIC capital le what's ,n your wallet? FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date S2,764.01 587.00 + ( $59.34 Ij 5474.51 $3,210.86 $96.00 i Mar. 02, 2009 j Jan. 06, 2009 - Feb. 04, 2009 Page 1 of 1 MasterCard Platinum Accord 51711-0572043.7677 Your Account Information TOl AL CREDIT LINE $3,7no 00 TOTAL AVAILABLE CREDIT $39.14 CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH 530.14 Finance Charges (Please sae,wwse for FnporbA irdormatio 1) - \ ? Balarre rate Pe rc,dc Correspadiry FINANCE 4xdiedto ;die APR CHARGE 'Pa-chases 52,852.50 0.05342°1. D 23.15% S54.46 Cash S256.49 0.05342% D '23.15% 54.88 ANNUAL. PERCENTAGE RATE applied this period: 23-15% i Q At Your Service .'?bevw.-ca>,4t,?e r..mi b rms Wlw az 4. X CAI I W (Y$3 Qf to -port a bSt a sbkn cad a sped b Cjrx rttrkbxhs 0 Pay Online at - cweabne cam a' meii yar pnyi-A b .,aptol Oro Banc (LISA), r1 a - P 0. B.K 643Q - Cad Stream, L 67197&432 A $aW Inquiries W: CaM :re' O- dra 105 • Sat Lake sly, UT '341:"&j ® I4ve a question about a charge on your shfmrenV 1-tase refer to the UP" Rghfs Sunmay on the back of your statement Or vls,t WWW Ca italor>e_L-mYdlsp8e; Payments Credits & Adjustments 1 30 J.A 1 .API FAL J ?J QNL1`IL PY,'A1 AuU1L)at- 30-J r"vN X7.00- Transactions 2 (bJAII _OrIGTORNSrEAKJ(X7aW''AE>WAICSBURG:V, S1411S 3 06 11J7 EB, J AES #4051 C7 MP HILL PA S42.39 4 OS.V4I PAY'LLSSS-10ES0000)39214GA'dNHILi-A '3418 5 03 JAf1 1AYiTS%,-10ES000U63537 CAW TAIL- F'%. S41-:19 5 W WJ L`ERiZONWREL?SS 0451; CAMP tilll PA S23 B4 7 26 JAN SNAPPERS BAR AND CYRILI MECRAVIC 3URG'A 59451 8 77 JAS-1 AINEP.ICAId WATER 895-2332837 VA S1rO:yJ 9 27 J&N PAYMENT FE 800B2'J7496 VA S2.25 10 21 JAII SUPICX;() SVG S fa rlO'I MEC;?af11:;58U?„ ?>A 5.340(? PLLASL Rt [URN PORI ION BELOW WIIH PAYMENT OR 11X; ON 10 WVAV.CIV14ALO1`11,_WAA 10 MAKI, YOUR WAYNR NI ONLINE. C-P ,( 1 5178057290437677 04 3210860087000096008 Account Number. 5178-0572.9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Mar. 02, 2009 ! S3,210.86 $96.00 PLEASE PAY AT LEAST - - - HIS AMOUNT 119003607581609096# JOHN WIMOROUGN 1001 Sycnlin Road 8233855 Leesburg, L'A 20175 IrII,IIIhlnrr.lll,rrlrlllr.Lill Lend a hand. Save the land. Manage your account online today- It's fast, easy and secure. laPay urIm, -0,,ne r lhr:ks slarhps a duCO• © M:,,•inO? n.??gr yr.?- j j C-s nnf n? or o-: cn,? h .rl._ e !k-IP thr plans?-<;o Paparlrs;. Q Siyn ,p r 2 war ?w. c.rr.ilnnei nm.. Capital One Bank (USA), N.A- P-o- Box 6492 Carol Stream, IL 60197-6492 •Illl"'IIIIIII'1I11111i1r11'II-1111111111111'Irllll'IIH'I'I'II Please make checks payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. 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 Braces, laser eve surgery, and more---we can bring medical costs into focus, Visit capitalone.com to learn more! 1. How to Awed a Finnan Charge. -.Grace Period- You Will nerve a miaMM grano period of l5 days wthoul finance shays on new p-teases. new balance transfers. h- sp-,W purci- a W new other charges t you pay your total New gaiarm', accor(arrte WM the Inponara Rolm for payments bebwr, arc, In time for it to bar credited by your payment due data. There rs ro W- period on cash advancas and special Imrtsfers. In audition, mere is no grace MIW on arty Non aectlQl R you le riot tray the Mail Nrv Baca." b. ACGUng Fiance Charge, T.r--t as M-h are net subject b a 9: perkJd are assexnd franca charge 1) from [le dale d the traleactlon rc Z) from the date true Iralsactyyl is' prvr,,3swo W vgrApCDUrt y 3) f 7n me nest calendar Jay or Ue Cunert ""I g period. AakWbnally, n you did rot pay 61- New Balance' nomttre p'__ tAffing period in full, financa charges continue ter accrue to you uf)w a"" JIM true Ili boom is Palo in full Thin r— turd You tray Shit iota fir.- c.'aI gas, even f you pay the acre slaw Bannhe Indicated on the ford of your atalwrert by 99 payment due date. bat did riot do so for the pre'Aaa monm. unpaid Ilrace charges are added to the aopllcabla segnera of you Arndt k`nhran R.- Charge For each :AM1g pednd that your account is subject to a finance charge, a rrw total FTNM CE CVWiG?= of TO 50 Will be imposed rtsurn o. l .P-,y Reduction n Fnanoe Charges. We reswva !. theright to not assess ..'y or an for-0.g" f,, J.- billing perod- ' 2, t-ags Dame, Barnes O..k. tq l'larv nuchaaeea). F[M o s charge s calculated Dy nnppyeg the daily teen, a earn segrwlt d you _nt te.g.. eras' trHance, puretwe, special transfer, and special purrhase) try the conespwding daffy Ferrxkc rate(s) that rim t>ren rx ipusy dsCmed m you At tie end of eadr day Junrq the being period, we apply the 33W periods rate fur earn ,egmrt of your amaat to the duo baliAm d--r, ::egnen_ Then at the And Of the boa g period. we add up the rssuls of mess daily cata0311"m emus A your Fanodre nVhlce Marge foreach seg'rert. We add up the !-suns trorn each e"wt to arrav at me A" Periodic finance charge far your atCoun. To gel Ue ]aiy balance for each segrrert of your a-11, We take the beginning baton e(or9ach segrnert and aril any :few transactions a1d any periodic fiance charge ?Wcu wilw are me preroaw tray's oak m fy trial sug hwt. We Skin wubbad airy psynens weadis posted as of that day mat are arbaaled to that sa9nwt. This gh'es w the separab daily balarcn for each saghren of your account However, l you paid the New Baku" shwvn ph your previous sra0anet in Nl (p' a yore new tslanca was.-a a Crete arnxat), nay tanactiors, which pout b your ou:chase o- specal purchase segments are not adder, to the daisy ualanCes. We _akwlate the awnage daty balance, by adig dl tr9 Jaw [ark.- tugeher ad dwidrg U. sun by me nun o. A die days to the curter[ telling cyc1e ro cat lame your 'of" roans charge, n,A" you a .Ww drily bakexa q UV r>aly Parodic rate and try M MMW of days In the baling perlokl. PJe to rounding el a day, bess'X due to rinntnl finanhe chargeasse'ssrrh ni, In" may be a variance tvmy) tx Cakxtdin and the ar uio Of Inarm shares wtuaN assessW Changing Address? 3. Mn®1 Pa Mfftge Rates (APR} a. The farm "Annual PeA b,tage Rel.' -nay ? as .'A-R.. oh the front or I— slatenswt D. M ilia ooh P "kA.'W/f' Prlnra),'_ tuuartay JBAK), ;fir" GD), or S Banlieerd Pnrre) appears on the (vet of the elalarart nwd to me penudac ,axis), A. Paiailc rates and caresoor0,ig ANNUAL PERCL's(TAGE RATES rrey vary quay" and nay 1 dr decleaa-e based yl ItB sided yldceS, as (pad 11 the wan st'aet J r"w. pis tr rrargh prarvb'usy asctaed to you These cf.W w it Ue ~fni u1 the rest Jay of yrxa oiling period covarea w your periodic sta0amert entng n A. months of January. Apli, July and DAoor. er If the core o 1,Lbld y Prkne). F f,bnny uBGR),-3 (Treasury LIBOR) appears m the t-t of yoJ- statement next to the periodic ?aW(s), Ire periods rates ad tOnaSMIdI tg AN4U1 U. PERCtN i AG, RA I - may vary -1'* and may hcroase x 1-- t se.] el Ne staRC irdi=es, as feud in The Well 31.2W J-reel. ohs Ins rrargn Pre+iasly discbsed to You. r here crahges will be e9ecwe on the fist day oryw- bafrg period each _U,. 4. A-eien ent W Late, pyerari and Ratumeci Paymwt Fees. Under the terra of ychr a , agreerart, we reserve the h9M In waive « nor to - am rent'Wr_t pro hotifrcat., to Y. Wt -A waivug qtr rigrt to assess AV same a-A. tees at a later time. S. Merrnennp Fee MW Ralewn9 You Acnwun. A a marriba'sfip fee apps on its suterrenf, We wit Credit tie Tee d you request to c0W your .-Aw mI JU Cap Ythe Tailing of this stalerrent. You may cortnn e, t0 use Ue eccown draeg 99 31) day period Defoe yw request. If you do of pay al charges owe] on tits acount wim in 90 days. a f you me y:ur Cndt?Ard x acx)ut aftb You W-1 U dude. airy nwnbeshio fee prnvi-,1y waned .'ray be retretaoed Myour account 6. Cloang a Suspmdi g Your Attp9t You Iray -hest that your accm" be cued a, catkg w wising our Customer Re Ighons Jepal,rwt. At the arced Yprr'-quest we war Pmrvde you Ah adut-.1 Jelais on sousing your aGCOUrt. This ;nay nekde payl nern ifgrreecn KYou pee you' e-JO cad --9es poet le yhr account after y.U ask us to close your account we can keep y- necoarf open y reopen it. We nhay close or suspwd y- --a and your right to Dotal, cneda. As ny do (n9 at any time and ty any arson, wren it y a :are 10 n detauc A sarspen-i X yqr account can Se per nanert or tenoo+ay. It your acco-1 is ckued o' suspended. ypu nisi sbp uskg Yur edt,:aJ a%J a=:rt YOU -rust also cancel all prey d-zai LrIMg a, rahgarlats N the accwt Ws vA1 rut do t-xs ty y0u. n we close err parnarte:ty shepaW your account Yo'J mum aim destroy all credrl cards and a` sot aces: c-ecRS. Y ]J MA Sill PAL al an nouns Y_ ql the a:S,V W n.''wl I( Ihey ware ionergeJ are, yw' B.Ymxlnl 6 cloeed or suspandeC T. M "V paynaws Payrmarty you mail to :n will ]e rl Jt_a l w your iccwt as of the b,ct dry ive raceme t povkhoi (t) you send me tottnn oortion W 0 is stalerrerrt ato your MscK 11the aCKXW t r ainilaiM a W e1dp1 and ;2.) yrwr wyrra,t s n c a.-din - p,evessig cater by -1,11 IT :12 room IT). -it- alb. al least tee (5) fx srwss drys tx aortal ddirery. "Wrin is received try us at a,y n.r to abon or in any prier tom may not De a added as 9 me day we rK 8 tnem Ju- bwer- days an k",aay G1,wyh Satu:rlay, eucWrhg',.kjnys. Addressee - Home Phone__ Alternate Phone 8233$55 nail Address _...... Pease pniot add-ess or phore number changes abeye usi nq bide or b rick ink. 8. noise About Electronic Check Corwanbn. W nen you pwde a on-* m pryrtrt yaw cult... us .if- to use irdorn -ton f'cm yar check to -rake a ortrsbre electronic fund transfer f' n ynhr deport account or to process tV paynsrrt as a crack tareacWn. Whan We use Infornaaon from yal check M naka an els:ciortc fino bans(ei, funds 'ray :sw4 r.Yrawn fpm vwr d1W1.0 swat as soon as e,e same 11f ore nr 0 your paymarK anJ you wtil rid'-pane ypw ^.'i:C< gapK I'an Y'?ur uMtancra insfialtion. Yqr, auityy`.Za0y1 is not imLLetl W AV Yale on ilia otacx we 'ry ,e-;dent wo,Ae t: -ay awes et-d! pay:^whs. 9. Bankruptcy. A you a-e arttled to oar- plcy pmtecUOrn for your aCGgNt. Um cJ ww''h a only for Mhrna pdal purposes. 11- not an -tie rp to clad, assess or,ecvrer a debt o' clam. L net smKl ay pdymw6 dlrecly W us wihout speaking Won your Senknio cy Mornay or to t'wi,i'upky Coot a you .wart tp cJttact us appal Your acmurt or YOUr LO W W y oroce.; big. please hate your ato- t "act us-. 191W NG RIGH I S Su MA iY 'U1 Uasad t:kos v I?xsaars e5out Yvu K9j A you trtnk your III is ,Wong, -r you need more hii_ bn on a tans-ton a till. wmb tU us qi a se" ada, sheet as svuh as p]svit>fa A LI. artless kr,npxies sliow'n on t`re fron f o. stale,nel We,nst tear I— 1W no tiler Than K) Jays alley we sent you the fist till on .Mich Are erora pubic n appeared. You aU our CJSbrrar Rai-sa-s rwmoer or rlolty :JS try -.it a websde, ',A *4v x wit not preserve par rght . In Y- later. 9- us Ins htowrg Mormelnn: Yoa nave And a .wit nurrtxn, rw dtla, .-.t a the s,,speuo.0 arty, a ,i:snip[ion d!ne ern! arch a? °xolahalron, f pcsstte, deny You bekeve trite o a I n Y -'U Wed true sta,ratot a 'k-liplion of the item vod are JBIl2 ibO1L YOU do not have to puy any anwn in quest- whxe war as nve$(igaeg t, out you err SO obligated to pay the pail of y01117 full mat are not n gsel-White- r Ui3 ate Yore Oueeliph, we Can1:t Sport -d elkxlE't Or eke a,y aC1tY1 W colead She aiAW t YOU querdion. t Spacail Rare i]r C,_M Cana P. chases n yUU rare a p paler v ,,xi U. quit ty A px-fy a -ms gnat you ptuctased wth a .halt ?,l and you'- tied in good tarn to c',xreci the p 7,1M" wa1 the rrare a* you nay nave ere V-d roe to pay the Thaw anronn :nee on the property or sernces. Yew lave this PrIa'd- only wren A. prchase ere wrss- tan SS0.00 and the -r- Was trade n your come atats or wrtnn 1'0U Dotes at your hwli g add - !ft we pM1 or 4pwBte one, er Vrt, a a War Rated you the advrrtissrrwt for Dore pape'ty -ices' a1 purchases are 1 r"",ess pl snarl or C..". Iwrrase.l abase -C'?to sign al oor'r_9DMdelts. tibx.xyawxy o b?:!trs<accat'r'.; it C'aprF l One suppgts kfa'reoun prv y pdatun. see or ? WaD4te al .NNV_?lofle _'SiT Capital vise is a tedaaly: eyNwad savers era-k d :spiel a9 Financial C,1-3(109 ,'l'ights '-Td 4)29P9Captd Ql TCJAi O 10-l"Xde - I - J.V20M Not quite ready to make payments online? 'Vo problem. Follow these simple steps to make sure we process your payments smoothly: Donn staple or paper Clip your check to the payment slip. tae sure to use the payment envelope that came with your r statement. Using a ryrfferent PmrPiope could delay processing. Please don't nclude afiry additional corre>pondence. • Last but not least. be sure to write your '16-digit .account number on your check. SUUUIb MST- Capital One' does credit cards-and then some! 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. MEMBER ?ENOEH FDIC Cap" what's in your wallet? FINANCE Previous Balance Payments & Credits CKWOE Transactions New Balance Minimum Payment Due Date $2,764.01 887.00 * $59.34 +I $474.51 $3,210.86 1 $96.00 Mar. 02, 2009 1 Jan. 06, 2009 - Feb. 04, 2009 Page 1 of 1 MasterCard Platirnun Account 51780572 Y043 7677 Pmts` Credits 8 Ad1tNShnertts - - - - - - 1 30 JAN CAPITAL 01`1E O rILPIE PYMT NAfDat_ 30-JAN 3B(.00- Your Account Infomration TOTALCREDII LINE $32550.00 TOTAL AVAILABLE CREDIT $30.14 CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR GASH $30.14 Finance Charges (?lease see revise for importart informtoDn) 9alarx_e rate F- iocic CorrespondkV FINANCE j oed I. gate APR CHARGE `lease;, S2,85ZW 0.05342. D 23.15% 554.46 Cash VA 49 0.DK42'a D 23.15% 14.83 ANNUAL PERCENTAGE RATE applied this period Z3-15% c At Your Service•ul b- cmtatre.wn binrru9 "-,L - x Cat 1;A0.903-3ti3i ro ?ort a ket x sblan arc or?eak b (?ne? ru:m.A 0 Pay Online atm +.::m4abrewmxirelyar pvynra4 b: ?cpitd Ore 3tnk ?JSA), N.A • P.O. Bak 6492 • Cerd Slr m. L 3M97&132 e Scud Inquiries lo: ap/d 0- ) o LIu AIMS • Sat Lee ay. UT 64ro-ums Q Have a question about a charge on your stahnent? Please refer to the 8 ft P,ights Summary on the back of your statsrncnt a visit w A,capitakrle.co"clispies Transactions 2 ObJAN LONGHORNSTEAK0W5ZJ0MECHA'11CSUURI;??. 3 05 JKI EB GAMES #4061 CAMP ILL PA 4 06 JAN PAYLESSSHOES0000039214 CAMP HILL FA S It JAf I i'AYLESSSHO LS0U00(Fa35,37 CAMP HILL FA h (n JAN VEP.IZOIJ WIRELESS D4617 CAW HILL PA 7 25 dAPI SNAPPERS BAP, AND GRtL1 MECHANICSBURG ?A 8 2' JAN AMERICAN WATER 86&2992837 VA 9 1(JAfd PAYMEI11T FEE 900-8LA95 VA 10 2,1 JAM SUr, IDCO SVC STAI IOM ML2 AbdAC-SLA PG PA PLEASE RETURN PORTION BELOW 4VIIH PAYMENT OR LOG ON r0 WWW,CAPIIALONECOM 10 MAKE YOUR PAYNBNI VNUNE. CaAital?(?1e 1 5178057290437677 04 3210860087000096008 Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Mar. 02, 2009 $3,210.86 - $96.00 PLEASE PAY AT [FAST THIS AMOUNT #9003607581609096# JOHN WIIIBROUGH 1001 Sycolin Road 3uilo 8233855 L eesburg, VA 20175 loll] 1111111111111111fI11NL111 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. O Pay orlinr a-iy6 1 - c ill •.-.I,.i... 0 mcvmq? (-,)c your -dd-c s onhao cr rn <n?- h::ck f l,lp save the r;lanrt-(So parasle;ti Q Siyn ..p ar I v capi;,llnnc:: _m Capital One Bank (USA), N_A. P-0. Box 6492 Caro 1. Streala• IL 1,01917-6492 .•dNl•••NINNNII.11h4rN•h•IN•NINIhN4hll•t•uNl•un•I•rh 5141.25 542.39 S34.19 S4L93 573 94 59451 S0.)) 52.25 S34 0J Please make dledks payable to capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. 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 Braces, laser eye surgery, and more-we can bring medical costs into focus' Visit capitalone.com to learn more! f t t How o Avoid a Filearasa Charge a. Grace Iserod. You will lave a minimum grace Pone of 25 days without firersre charge on new, puichisses, new balance traral-, new special puretxses ad new sit- c net it you pay your tolal'New 3elance", n accars nice With tree In oonat Notice, tor payrneft below, and in tine 1a It 10 be cadasJ ry your payment due date. Thera M no gaw period on cash adva tee and special tranS ect- In aUraion, there is no grace fkrWd on ay 1arlsaaRTn t you W ;Kt pay Rue 'Dial New Bala1CY.'h d. Accruing Finance, Charge. Transactions with are riot subject It a gate period ant, assessed rrrance chii 1) 'nom to cola of the transaction or 2) tfom re date Ie bamaetial a processed to your Account or 3) fv the ?'. first calendar day or fin meant billing period Arlinoraiy, t you dd rot ion the'Tlew Sala c&' homthe pienan L WQ Dowd in fall, finance danges continue to accrue, 10 y0u unit oa rice Jnd the urged balance is pall in f,dt This ,rear B thud y. ,,.y still awn fro se chw gas, wen IF you pay the enact New Balance Indicated on the fhort a you surd try use payment due dale. out did not do so tor the pravnue month Unpad trance charges added to me aVicaole segment of Y- A- K. ^. hivtrnrrv Finance Charge For each rillfing period tot ywh account u subpd to a re_ce.hags. a sorcerer total 911ANCE CFWRGE or T0.50 wit use rrposeJ. d. Temporary Raducaon in Finance Charges. We reserve au r i9rt o rc>t -sees a y ur all fir.-Bruges fv, an, - amen oiling Pencil 2. ,Average Daily B9lance (I-1wili g taw Purchases). -nonce Charge la calculated Dy MMIDyrg the daily .lance a aeon signet of your aawlt (e.g., cash iNance, Pwarase. special tr, nsrer, and special gr=ease) y the oarespo!,Wng daily Wiudic rate(s) that has Dean Praviousy UBCbsild to you At t'1e end of eadn day during ,ne oiling -too I vxa apply ma daily pandit rate ror r --h segment of yxwl aa-4 to itw xhlty balance of each :u,grmnr rfhvn at the end d the btkrg period, we add uP the reaults a these daily catvlaWrs to arrive at your Penodic r,V ce charge for each segment. We add up one I esula Ran each'e7rent to a-rwe at re, total p i We Inane change for your accourt- To get the gait' balace for rich sugnart t you account. we lake the begi ming IE/anee for each sEgRart and ad any - transeclae ,d any jo-odic III- charge calculated on the prenwH boy's oidiRnx Fah that segnwt We than subhaa ary payrne'ts--ih posled as of that ray tat are abated l0 that sagnKat I Fee gores us the sw r w dsy Wl nce our ranch segment a your .Co.* H_ee,, l you pad the IJaw Balance shown a1 you Prev pus suterraht n tua nor if year -!g{alt.a was Zem or a -X area), rnvv i of stIcUo B, which PVA tp yOW poi ctlit or special purchase seg-rts are not adder' to the daily Salances. ors ;:ak.aae con awsraga daily oalarce, oy addling al the jaw twFmrna tvyethar and dwidng tlw shun by tte Ila,ta a mB days in the caret burg cycle. To calculate yo,,ir total f R IaCX C'har'ge, Raltipy YOa aierdps tlaly balalCa Dy Ite@ i Deroae ate and Dy the M111 I Or days h fin baling Pdiud Due W rounding on a daily Days 01 due to Rwwnkrn 'name charge assessment, a'" may, be a variance :fiiwe9nl tars calculatral old the acount Of franoe cra-ge :mealy asacnsed. Changing Address? ,3 Neatest Percentage Ralse (APR} a. Tha oxm "Annual Percentage Rate' my appear as .APR" a, ace trust d (:'is statemert D. N use Ada P (quarterly Prints), L (Quarterly LIBUK), C (ouauay CD), ors (Bankcard Pnme) appears en the Pont d On stalwart rml to the periodic rate(s), tta parodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and nay, phomase, a elsneese based on taw stated Mures, as road ft The Wall Street Journal. pis tna margh Pravtousy d-sclosed to you These charges will beet we on the first day d your balng Period Wendt by Your Periodic saterrert ending in as math of January, Apra. July aid 071 c. nth. code O Wis,o-y Prune), F (Monthly LIBOR), - G (Treasury LIBOR) appears on the front of your statement red to the periodic rate(s), the periodic miss and mnespnnilI rev VUAL PERCEN FAUF- RAF-.S may vary rrwlthy end may - or d1- bused on the slabed Inlices. - round in The Wall a`teet Journal, pas are rraget prcvioushy dacrosad W you. Iheae changes Will be Naomi on U. first day a Your te" Period each 1-1r. a. AsaW1 malt of Late, Givevlnt and Returned Paynwnt Fees. Under the terns of your aBtshar aryeenahl we nssne Ire right to wove or not to assess any re without pion notification to you Without W'aiiirg ewe right to assess the sure orsi nlar lees at a let%une. 5. Marrbill V Fair and R9rlhrrlg Yost /kivua. K a meinowship nee appears on area slater eht We Will crew rile lee 1 you request lo close your axout wthn 30 days a thrc mailing of this statement. You may continue to lase the accost durrig ace 30 day wtod belom your request. It you tlo not pay at charges owed on thisac•.AUrt wile, in 90 days, or 1 you tae your c,rid Ord or as nt afteryou request to close, arty rrankership fee previously waived nary be mrrefated to your accost 6. Closer g Or Suspadng Your A -.L You nay I -t that your accost be dosed Dy tang or -ding our Customer RAilatrons Depanrrere At the tone a you request wa will provide you wilfr additional details on dosing your accwt. Tns may irckRm paynI ilorrrewa Ryou see yorrcredit cad orcharges post to your account after you ask us o close Your acrourt. War can Keep your aoCOUd open or ,-pas t We miry time a soaped you- account and your rght o obtain credit. We may do this al any hone and Ix any mesa; evert 1 you are rot n default. A suspuni., or your act" can be plartawrt or tertporary. it your-am is elmed 13 usioded, you Rr-t stop wig your ezdt wed and account. You Tust also cancel all preaweonzed tiling arragara!as to the atwu't We Wit net do tis nor you. K vYa dose m pemaneray slspene your account, you must also Oesovy all Cram Cards and amount access cvckA You Rust sbl Pay all am,uts you owe m on the ao out. evert if May Were Changed aloe your account s closed or suwpatded. T. liaid'g Payn eats- Paymeds you mat to us cell se credited to your account - of the business day we receive it pmvklerl (1) you sand gee Ldbm sortion of true stamen" and your check it the enclosed mnware WN." and (2) Yvr- paymwt is received in - p,ocavasng center by 3pr,i ET (12 tugs PT). Please allow at beast fine (5) business drys tx postal delivery. Paynerte received by as at any odwr location or n arw drwr tom may not be credited ea ot the clay we receive therm Out' ousees-s days are eixK KW through Sal.d.y, eacludlg'rolkHys. _ -. Address, ........... Home Phone , Alternate Phone-..._ ......... 8233855 E mail Address ......., .............. . P ease p, int adders or pho,e a umbe, changes above using blue or back ink. r Xel n1 S. Notice Abort Eladron : Check Caweraion. Wre, you prsvr k .. thock as pry nut you..U- a us at- to use h,for-W, f- your quoit to Tal. a one-fine electronsc lard transfer imm your deposit account m to process ire payrta,t as a check transaction. Who, v use iNOrreaon rrorn your deck to m I a an electrons, fund transfer, funds ,ray oe witidnamn I- your ueposa -It as soon as are sama dry we receive your payment and you Will not receive your treat sack Iron yarn Ie,ancla institution. Your aulrorizanion is net #rr*W by the date on the cdar.'k. We'Iay r-ubr,t and e;krdl Jlw;dly C,41L t'elulldd pay-ft. 9. Bank nptcy. N you are ery[led to wn e"picy protectors Tor your acwurt, this cons nYrr."atial s olh' for Minnow tal purposes. R is not an adarnpt o calect assess or recover a deft o clam. Do eta send ary Payments dreK,dy W IB without spearing with your !,ankrip" adarey or the 3alpup4y Court. If you -9 to catxt us awat your account or your banicip" Proc-.ding, Please have your aftomev c",iict m. tSILLING IRIGHTS S-ACKRY ,In Case y I=hors o' Ckusuons arwA Your 3111) R you Imr* your Sills wrong. or if you need - inf-Usn a, a transe.W, or tell, cote W is IXI a sepaaN street as soar - Possible at U. .431 s for inquiries strowr - are (rxa of aril .let, It We cost hear I- yea rW W. than K) duys after We SaM you are first bill on Which see error W p'oblem ap-ma- Yeu ran can our CusL_ ielatrons na rr've, o, notify is by eased or webste, out doing so wil,iot preserve your regime. In your letter, gave us thalolbM%J Mornrtion. your ran a and aoccurt nur t- the ouaar anoat of are smioaciat ems, a tlescnptpn Of tha err aro an -fatalion. A Pestle. Of V" Yore U.1- Brae is - er J . or R Y. _-j core r ta-raout a descripion of Rue Kenn you are "am aIAUL You do not have to pay ary ari it qutoto n while yre are rwestgatry K. out YOU as SDI obligated to pay Ile pays of your bill that are not in question. While We emesfgate yourqueston. we cannot report you as delrlquent or Lulea ary acW i to collect the annaY you question. t Special Rule for Cr Jib Cab P-inc s ft YOU tare a pobla n with IV quality d p-ty a serices Ink you pachassi with a -rift card aN you have t-M in gow lath to Cor.'ea the poolarn with the r-rra t, you -nay have the rat A7" to pay the ramaiwg arrount due on the ovoeny or s svices. You rave this pmt ten only wren the prdhase Inca w- roue than F50.'a9 ad the pu nese was rode in yen `none state or wtmn i W rel. d your rni addess. tit we own o'r"rala U. nwrc'ert Oil we n 0ed,vou the tl-rrbenart for the pOxary IX serv-, ctrl purchases' are -ead mgarli- l sRwrt O, locaWnvt pun:rwe -ant- to sign at ca^esponhlencs. t Does not aptly rat looseness a.cvonrs Capital On-inputs oto-t- pw- paectiwh. see true wetate at WWw-pupdalone _oorn Capita one s a letlaaly regataed-ce, - K of :;aawdl One cinanclal Gorporation All; igas-ved.'u 2,06 costal Ctine :i 7 UbT7[ylry- i - J3r1nlo6 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 ?he payment slip • Be sure to use the payment envelope that came with your r % statement. Using a different .^nvPlow could delay processing L Please don't Include any additRCn.al correspondence. Last but riot !east, be sure to write your 16-digit Iccourit number on your check. :>ooooR Capital yourwarlet' It could happen to anyone. Make sure you pay the amount JOHN WIMBROUGH 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 (good credit could mean lower interest rates) • payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS r?,?han ytiu vvinT 'C Cu?? name o, rew cart FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,210.86 $0.00 +; $57.59 $78.00 - $3,346.45 $230.00 Mar. 30, 2009 Feb. 05. 2009 - Mar. 04. 20D9 Page 1 of 1 ,.,T_s. RS Apmrvm " MasterCard Platinum Account Yod to rs_*dn7 W J r. oat -neat. hemerrfbw IRyt x"i mom xiy r y t" d,, xiL° kF s, your 5118-0512-8043-7677 a .ou'tt Qjrrwr ?,D nape u you seer r ,?e rwwan t payment to :--ep r"?,K a- )ant c r_ 1L Your Account Information PWments,Credits .&Adi'ustrents._ _ j IOIAI_CREUII LJNL TOTAL AVAILABLE CREDIT $0.00 Transactions CREDIT LINE FOR CASH j $3,260.00 1 02 WR F S( U I_ 11EE 439X AVAILABLE CREDIT FOR CASH $0-00 j 04 fv1A-? rJ t _I1v11f E VIA? 4," YA 519 00 I Finance Charges (Please see rew_ se for i npotat rtormatn 1) Balarce rate Pwiocic Colrespadirg FINANCE applied to late APP. CHARGE Id-nases x2,985.61 0.06342% D ?3.157 353.02 Cash Sb7D7 O.XYI2A D '13.15% 54.57 ANNUAL PERCENTAGE RATE appled this perioct 23.15% Q At Your Service.(;ut,^ww.Lmi4a-.rrnariwr.ga lur ewuxiL o• Fat-4800.90'53637 n r spat a lost or MW cad x s9erlc a 0,9- R51Ai 0 Pay Online at www cmAabre.ram a mail yur payment b. 3gxtal Om Sank (USA), NA - P 0.8a 5492 - Cad Stream. L 3)197 6492 e Send kWirks to: Cx" ow - 0. Sax 5j&5 • Sal Lae Cry, UT G4rAL31tSJ Q Have a question about a charge on your sbtnnent? Please refer to the B*V Rghfs S?rnmary on tine bad; of your statement a Visit www.t:ipitab e.axn/disad[es col"- Orrae Jnde, terms -misly c sdosed to you, sane x all of your Am W r'e•centage Rates (F.'Rs) have been ifv eased sirce yar account wds cast Glue two In t`le past 12 bikg Lykes. If vial 'aces rwe akeE dy nCraascd, sabecglent deknqurrres extended t e ration of the nc-ease±lalae. ^IYnember 8 we eceNe your rnkomum mouthy p"dy7mt on 5fne fir 12 ;xns? uti - brtirrl cydes, tFus account will be --viewed for a lnsstile reti n b year ^bn-Inhailctcy P,'ft_ Yaar account has gone over 0 cre3t IamtL 1o avoid addlhonal ovak nit tees, you , hOk rray more lren tne!+wiurn Paynre't. PIerdsepay enaryl b bg "j your atourrt `.raharrr below your coedit Imit mmedetey, and make sure yor account baiarr a remains below your Cant kmtl. 'r'loase oe sire tie mart you pay accounts for any hAure [xranases, fees, and frwr K)E? Cnarges_ You wine assessed a past due fee bct2J?e yxn n:nrnum payment was alt ,e(- by the due date To 3 old this fee n the Future, we recomme d that you allow at least ( bEo= days tx your TTvrwrn xn Payne It to reach Capital ale. PIlA`iE RETURN POR110N MLOW WUH PAYMtNI OR :.DO ON IU VMV.CAPt1A1-UNE.CONI IO MAKL YOUR ?AYMLNI ONLINE. 1 5178057290437677 04 3346450087000230002 Lend a hand. Save the land. Manage your account online today- ors fast, easy and secure. Pay urfin .yomr - .?,_ cF,r s arrpi r lucc?. Q MCV:FlQ? Ln",)C yftl? ,:1:1'i'. ?. i?nlinn l'r (`.1 fh^ h 3Ck 9 Help :- the plan((--1;,, Ire p,•r!rs? Q Srgn up " v;ww iapd.,lone.:f- Capital One Bank (USA), N.A. P.O. Box 6492 Carol Strew, IL 69].97-6492 ..fill. -.111 till-Ill I Ill., .,I I'•li'Ihlh'uh'•nfl•turi•l•II Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed i Mar. 30, 2009 ( $3,346.45 5230.00 PLEAS( PAY AT LEAST [His Ak"JNT #90064075816090984! JOHN WIMPROUGH 1ooL Sycolin Road 8233855 Leesburg, VA 20175 irrlllllrrlrlllllrrlllilllrlrlrl Please make dxKks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed ern ebpe. Jut 1. How to Avad a Finance Charge. a.Grac a period. You war have a mninum grace period a 25 clays wthtoW thence charge on new polch35es, new balance tansfe`Y, he"' apaclal pulclhas" and new other Ch ". I you pay your total'tteW 3alance", in acconLanor with the InpQnWd Notice for payrfarxs bebw, and in &re for a to be credited by your payff" due dote. i here rs rho grace period on cash advances and special transfers_ In adltbn, there is no grace peniod on arty transaction d you do 10 pay the total New Bak-., In. Accruing Finance Charge. riansactims Mach are not subject to. grace period are assessed li ance ch.w 1) I- the data of the trainsael- «2) Lmm the date the basacawt s prxessad to your A'COUrt or 3) Fom the first calendar Jay of the curren biting period. AdMioraly, d you did not pay are "New B.I-M' fran the prnytts biatg period an full, finance d urges mains I. accrue b your unpaid oaaice unto the.,WA babies Is pa' in full. This meals sal you :ray still von fnrwrzro cilia gas, en f you pay the ant.. New rtaiarce irucacea m U1e /rut a ywr stalerrterx ry the paymax era data. bun did not W eo t«se , p-- ntatln. Unpaid Mlance YNRJes are added b the aoolkaoa s V-t A your Acmu,t c. Mnmam Finance Charge. For each bating period trial your account is aathged to. I,,.- Charge, a nlrllnLm total 9NANCE CHARGE of X0.50 wig Le reposed. I. for poory fteductiion in Finance, Charges. We ra•se!. e to r uht to nut assess a y a all hnuece eta rges fo, any giverf baring parch. 2. Avemige Daily Balance (Indudng New Purdases). F Lance charge is calculated by mullhplytng the daily cetarlw d each segnerx (your -,it cas, advice. p-4., a?asecial transfe", and special p-lase) by the correspol)Jrng daily pe no'c rate(s) sal has been previously disclosed to you At line and of each day dung the batg period, we apply the Jaty perodic rate for each segrrnta ywi -A I. thed;ly bnbcro a -h segne'+t Then at fie end of the billing period, we add up the -lb of threes daily cdk'akh- be arrive A your pe,blic flrence charge for each segnevt. We add up the nexus. tan each segrrerd to a- W the tool parodic finance et"'ge foryour .murk To get the daffy tu.6- fnr each aegrrent a your -0, err take the bagtarwg tsanoa W each segment and ado any resv transactions ad ary parodic Mice Cndlge c'alcufalaa on the pwv- ,IW'Y 5alinro Imo Rat Yeg -c Wa nor suohac any payrrards o-credAS pnal 1 as of trial day that are aNxa(&J to that aegm it Tnes gNes us to separate early butertz to cash segnten of your account FloHlver, If you paid Ufe New Balafc'e Y110Wn m your pev)os $1469110,11t 11 full (of 9 your new balance was zero a a -M anions), nwv tnaraaosas, Which post to your oil Vkbae a spaCtal purchase segnens are not added to the daffy celareas. We calculate the average daily hmarce by adding all the deny bek - togalha end di, ids g th. -. by the mini- or the days n the wnferd ttlhg cycle. To catenate y- total finance charge, rnul try you ayeaage daffy oak,- by ale defy periodic rate and by the nrurbW Of days in tie bang pared. Due to ioi on a day oasis or due to nawnun fn- change aasessmat, there may be a variance between this ca-kabon aid the mount of fiance charge act aay assessed. Changing Address? 3. yeaeal Per[entage Rates (APR). a The term "Annual Pt-niage sal f' may appear as 'APH'. on ere front of t-as statemert to. N ale coed. P 1(,)uartaly Prima), _ (Qua eery -U>mt), G (Cibia ery CD), or S 3ankcand Prime) appears on the fva of the statement nwct to the puraxic niters), are peiodM -ai and carespurrliig ANNJAL PERCEWACIG HATES may vary quarterly and rn y Ircleese.decrease bass' m Rea sFale0 iidic . as fowld .1 The Wall sheet Jun w. pls the. '9n prcrnusy dwloeeb to you These chagm will W effed" «1 the first Jay a your biaiy period covered by your periodic stater eft ending in ale -C. of J.-,y. Apa, Juy aTd 0.1o - c. t the ouch O (HbEty ?.dime), F Worthy uBOR). « 3 (I,e1YUy uBOR) appears m the r'at a you, staW_t Ifad fa Ina palWic rands), the pardic rapes old correspdrdng AN`tJ/LL PtHC:tNIAGI- HAI'=J may vo^± moraly and nay ric ears. or jecTease N4,1 oil In" ini as fain' in The Wall Street Journal, pus Cie margin peviwsy dsclo>ed to you. 111ase ctaurgas oval to effective wee first day ofyorr billing period eadl nona 1. 4. Assesserart of Late, t)vertarha aM Retinue' Paynrat Fees- Under the terns of ynur cuslonar agreement, WB -arve the right 10 wawa or not to assess any fees wrthad aior indication to you wtnou waiving our light t,, assess the rte or sari al tees at a later time. S. MernbershP Fee and Renewing Your Account- t a rrsrreaship fee appears on this staternehL we wig credit de tee d you request to cnse your amout svatn 30 days a the mailing otitis Mekertant You may continue to tie the ace 4 dung na 30 day urn' Ishre your request if you m not pay as charges a -d on tti ac-Jens ""' in 90 day;, « d you ?e your n,tat ??? « ana,rra aver you Yqua;t i? cosec, anry .nerrwc?Yhip fee puwiousy waiver' nay be rlattlstate' m you account. e. Closing or Suspending You A-L Y Vu fray """t that your -i t be dosed by calling a- wining our Costumer Ruaaora -1epa'nard. Al the tare of you request, we Will provkb you wei audgio al feeds on dosing your accould. fire ray In:luW payrrwd rYVrtruha i 9 you tide your cr Jilt carJ o charges post to your acmlUT after you ask rs to close you account, we can ke=ep your amziuot open or ,,open it We fray close or surpad you- wcount ad ,vow right to obtain creca. We may da thin at any ante and f« a- Ieaspl, Wan d you are not d'I diii A suspalsral of you account mi be parreren i a tenoorary, g your account is clUSed a susp-*d, vw rust sbp using ywr c-eca card and asoxil, You fist also cancel all bmauthonzed btirlg arangerrerts to the account. We oust 10 do ITS for you, h we close or Permaelty ssprad your -"'You must also desecur erg credit cards and aomunl access c-'" Y'u ,dust sW pry erg .noun[. you law us on the axrout, ev-n x they were dBrged after your woad is closed or s pWdad, T. Me" Paynards. Pay nerds you naa 0 us moil :s c. ]iced to your -A lei tit the askress day we --.L Provided ?1) you send V is l,bi shim or oils statement a;d vou,'m Kn the wW-W -,Mr- ","Pe std(2) you- pay-rerd s re oetved h our promssi 9 celte- by amt ET 112 'cat - Q. Pease clew a least Me (5) nsness days fx metal delivery. Paynarts'-wed by s at ary char location or in any other forth Tay not he Or"Ga as of the clay we receive, them CJUI business lays ale Ntaday tnrcwgn Saluvay, -Ckahg-adays_ Address.... Home Phone..... Alternate Phone.__ .. ...... ..... .,.... .... __........ 8233855 E mail Address.... _.._........_ _ ......................... ............. ....__............_... Please pri,S address or ohore -uni changes above using blue or b ack ink. a. Notice About Electronic Chadic Convert bro. W tar you p cube a orafok a; pay,nau you auhurca s etvr to se atorne0on from you ctndc to :rakaa b-brie alectmnr hod trarster fmnl your babe" account or to r S the PWTrad as a Cheek Iran elC o'1. What we use Ia«matiorf ton your clecrc to -- an Blectribrt- fade wnslet, fur c 'nay xwtrlaawn t- Y., dapuad accou,t as soon as the same day lyre rec a you parnant, and! you Wa'arc receive your CIeX bac:K Iran yet taeax:ial institution. Your arthon:a0on a not 6mted by to dale on the Ctfat, We :ray raletart ard edelnra-*v rxtkcu ,eka nsd payma'tLS- v Bankruptcy. n you are addled to bantuptcy pdectors to yos a=UK. this co'Rianl^.a0D'1 s only for i torna0t, al puprsae it a not an a6enlpl to collect, assess a recover a Jett. cW.n. Do nut send any py-fri s daec"tv tows withoul speaking with you barnknlplcy aaarry fir to uantuuphy Court t you Wcfx to cared hs a-A ywr at =.% M or blur Ahcrupiny pnxeedirg, oa-- have your .t,.,+:v croTtacl .,;. -131LLING RIC4-ITS SlfiV61kRY ;Rl :dearer a t:,WY 7 U1leaborls awA Y01F Brsj 1 tt you t'eac vau :,ill is wemg. or If you . red nn,e indr-ion on a t ansa:nrl a bill, vni W us m a separate sheet as Your as -it* a the audr- for inquiries 9t- on Vie it" a his j s .Teni We;rWt hear bath you fro Miler than "'J jays alley we sent you the rest hill m etteh the elmra p-obern appe"I ef. You cen cell our C ust riven Kelatons runner or rrotty ;s by anal fwebat.. out msg w willrrct peaare you, -Will In you letter. give us Into f-117 i'y information. =n and aU;grrc rlutiM, t'a molar amount a Via susde-upADn a tie ern' arxt an ezplanatta'. d pssllle, a cMy w beueve there s a'1 arty . or l you mertl ao a inlorrr i. a clescnvi of Ire ten you are utsum aloai You do rrol'rave to uav airy arlwrt In question Whit - Vie a e ayestgatsq it, our you are sMl obligated m pay itfe pans of your hill mat are not n question Whit- rrweslgale you question. we cannot renort vw as deli qu ent r tdca a+y arch l m miYx i t-e snout you question- I- Soecial Rude for 0-A Can? Parehasee ' R - have a prwsm Mn the 9-lity of p' Warty u se vk- f hat you pun Jlasef with a cadip card and you !eve tiev in gad taitl to-oct the poblern urn tine Rrcn'0' you my have10. VA not to hay the remirwg ar ourt due m the p'ooerly o +ces. You have tna prota ion only when the our inane pus rm+rxxa Ran 550.00 arfd the punters-was "lade n r you IYNIe state or wtnn 100 Rates of your Tlaili edaress. 'ft WC own a uprral , the rfeaclart or t we neaed you the acMnleertlax for ma pop" or se vres, as puperrases are W eied'egddkMiSa maws[o'1-MenOf pecr-h?tane wrenner to sign 3" ca89pon once. t LxK ,Tor ety)y S OlSinflSS accou r Captld Onesupports itanfadoupwaq p[tadiui, :.e-as wetale at ivy mellipi elong cpm ,?apMal One is s tederely legsirad seivw nark a ::a{Aal p e Fheancial Corporal- Ail ruts 56erve 1 t12XA Caoke One 1 19-t 01 UMh0b6 - I - JY261DB Not quite ready to make payments online? No problem. Follow these simple steps to make sure © vve process your payments smoothly: Donr staple or paper clip your check to -he payment slip • De sure to roe the payment envelope that came with your statement. Using a differenr envelope could delay processing. L • 'lease don't include any Additional correspondence. Last but not least, be sure to write your 16-digit account number on your cheek. r..???r SrpUUB .what's ;^yo.,r waTTer> It could happen to anyone. Make sure you pay the amount JOHN WIMBROUGH 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 behind You're BETTER INTEREST RATES b (good credit could mean lower interest rates) y I payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS when you v`Jant to guy a home or ne?,,J carr FINANCE Previous Balance Payments & Credits CHRGE Transactions New Balance Minimum Payment Due Date 63,210.86 $0.00 + j $57.59 $78.00 $3,346.45 6230.00 Mar. 30, 2009 i Feb. 35, 2009 - Mar. 04, 2009 Page 1 of 1 I.E'SE SAY AI 'Y -HS r,pNJl/v- MasterCand Platinum Account YouYe bMhind by ae poym?rt P.errw-.rrrbw trot :;vying the minimum r?rnnar[ trrr Lr?? dP d,L F;.:..? ya;r 5170572.9007677 account current. So make sure you send n Lie mnnrum payment to ?:-py on ax o, t crrent. Your Account Infomtation 10 1 Al- GREDI I LINE $3,1-10 00 TOTAL AVAILABLE CREDIT $0.00 CREDIT UNE FOR CASH $3,250.00 A`JAILSB'_E CREDIT FOR GASH $0.00 (Finance Charges ;7lease s revise fa inpo G.u t Information) Balance rate Pe'ndc Corresponding FINANCE apxk-db late 7tPR CHARGE ?rcnas 52,E 5.61 0.0W42%. D '13,15% 553.02 Cash S&' 07 Q0a34L„ D 2315% $4.571 !. ANNUAL PERCENTAGE RATE applied this period_ 23.15%. ? At Your Service - w tt, mwic<p1aGecum b nnerdeyou a:,nniC or Gat IAUr}9U3AWo? WabstorsOWcadxsoeisbCusWie- rlelti % 0 Py Ordu :ep4d0e- +s rmw cuhMGecwmxrul yur pprerd m- ; JSA), N A- •'.0. Sac 6492 • Cad Soeam, L U01976432 ® Send Inquina to: ill Dre " .U cox :13As • `'A tae Oly, U r 34 1".A}jAb Alift Bove a question about a charge on your sbbaw R. Please -eter to the Brtf ng ights Summary on the back of your Abate-rt ,1 vol wow 2V tabrie_corrhsoutes C-0 ;;(711. Payments,_Credits & Adjustments Transactions 1 OP Mrvu PA51 D rE FEE S39.J0 2 041eAFR kyJ3LI AT FEE MAR 04, 20003 53i J0 Under tFrms premasy disclosed to you, some or all of your Annual Percm age Rates (A'Rs) have been inrea--d since your account was past due twice in tie past 12 ot" cycles. If your rates have aheady irraec s-d, subsequent ddnglencies exterli the duration of tic rrcruesc i rates. Rmemxr. It w- eceive your minimum monthy payment on time for 12 consecutive b(Il rg _ycles, this accou-rt will !,e -evicwed for a possble return to your f bn-Introductoy APR. Your account has gore over its credit limit. To avoid additional ovedrmt foes, you mold Pay more Mn the A wham Payment. Please pay enough bring your account baalar ce Moll, your c edit limit mmeriatey, and make sure your account balance. emains below yoar refit b d Please y sure ire arnou)t you pay accounts for any future puraiat ? , fees, and fmarm c-'tirge'. You wee assessed a Est due fee'cerease your Irni'num Payment was not rec?ivsd b1 the due date_ T a avoid this tee in the tulure, we recommend trot you slow at oast t lousiness days for your 7wimim payment to reach Capital Ore. PLLASE RETURN POR110N BELOW WITH PAYMENT OR LOG ON 10 NMJW.CAn1ALONL.COM 10 MAKL YOUR PAYMENT ONUNL. 1 5178057290437677 04 3346450087000230002 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 0 Pay urlw' anwli m,?-- - e ,• ;hc_xs. >:,;nyx or Ali :•,,. Q Movmg? 0h119c your addroa nnimc Gr on trv: h,Xk 8 Help rrwe the planet-Ln paprrl- tJ $iyn up at -- -;"T 11-0 L", Account Number. 5178-()572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Mar. 30, 2009 $3,346.45 ; j 5230.00 t PLEASE PAY AT LLAST MIS AYUwnn #9006407581609098# JOHN WIIIBROUGN 100). Sycolin Road Suite 6 8233855 L eesburg, VA 20175 I'll, Ill-- III- IIIII.. ill 11 Capital One Bank NSA), WA. P.O. Box 6492 Carol Stream, IL 60197-6492 ..fill.. IIIIIIIdPIIII•I•ILl1.IPlluhhll•I nlhnu I•rh "lease make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. till 01 1. How to Avoid a Fmnw Charge.. - - - - a.Grace Period. You ova have a mnkrlum gas period of 25 clays Wtrosal trance crargs on new purchases, new balance tamfws. flaw' special purchases mid new ot,er charges of you pay your tltaVTkow dalans", n eccordmce win the Ifrporat Nodes for payrnerrts tebw, aid in tole for it to be crerflhad try your paymm duedale. (tareisrougaoeparbdongashadvaces and specal trafssfers. In addition. thane a no gape paired on any tansactan of you do not fey the total 'New Balarvr" o. Acatrgg F-- Charge. Transactions Which ale not eJbfed o a gace period arc 8xeB99ed franca ehave 1) fmn, the data d the transaction or 4 fan Vp data the trarhsactiit a Processed to your A-111 a 3) from the first ralertlsr day of the current billing period. Acltbray, e you did idol pet the "Jaw Beatca" horn the pevian Ltlkrg period n fall, (manes dharges cortTna ho accrue b your unpaid cWe- uldd the unpaid bo alce 1, paid in full. Tins rr em. that you nay still ohve raw n romges, even t you pay the erV- New B.I.- indicated on U. fret d your stabrert W to payment due dams, ilul W not do so tor-ine p rods mom, unpad tedncer charges ate added W t1M aPPkcaote segment of your Ac^..lunl. MrMrnrm France Glalge. Fir each baling period that your accost Is satfect to a row= Charge, a hVenurm total HP ALICE CFWRGE o TD 5o will Ll nposed d. Twrpoiay (deduction on Flnaloa Charges. We reserve tip right to not assess a y w all fek.sy changes fo any ;I.- being palod- 2. Average Deily Berns (lrrclldtp taw Purchases). Fiw ce erkarg , s eaEUhfed by mutpying the only pf Wlce d ea. segTelt of your aRVUrt (io g.. ea- au- ourchave, special transfer, and spacial pur-Posse) by the axrespa'ding daily pestle rae(x) that has been prevralsly disclosed his you. At t: a and of each day dining the bilkg period, we apply the day periodic rare for each seg ,I of you exeunt to the ddy bale -w k ew.-h segrraht Than at the eM of the btlig period, ova add up the resins of Idea only cat.'ulid a to arrwe A your parades rhance, onarge for eam segrart. We add up the r-salt fr- eaca se7-A W . T- a tM to al Pw ado I name charge for your ae-U h To get Ire Jay t Glance for each sagrsrt w y- ac..A. Yr take it. begauing Wimne for sactI segner[ and add any hew tnansecls- ;a d any exw oc fl'kdiW orange rdicAmbod 18 . p,-- 'day's :loarlce fr tat sr;fief We U"I sutoract any payrrpnts a C em6 posted as d that day tat ale allocated tip that seyrrttt This sales rs Cie separete?alH taNrce for each segment of your xoounl. however, t you pared tip NOW Balace sn)•Nm oil yoUf Preview staterrl3!t in fun (w t your new ..glans was zoo a a Cede arlnunt), new taR wawa. whCn post to your Pu'ctase, o' specal :-house, segTanis are not added o the daily wimaes. We c-JPAae the avenge daily balance by adrlllg a the daty Lutmhess legato, and dividng the sum by She nunber a the days r the coned Datong, yds. To oalnllate your idol fnanx rnage. rtulboy, your average day Bala- by the eiaty pendd,, is and q the nrvber or days In the biting fen W. flue to foul g wt a ]ay baxis w due 0 Moreno" finance 0.1777 aesess-rhen, liners may be a vadance t imw 1 tea caaiaan not t'he armun or for- cha'ga ..talty assessed. Changing Address? Address 1 Annual Percentage Rates CAPRI a The li nn -Annual Perce.tage RabY' may appear as "APR' on tp fret of tills slabon sor . b. R the aide P (ouarerty Pranay. L (Quart" LIBOR). (: !Olerterly Cam, or S (Barlkcvd Prirt,a) appears on the front of the sfaarreM next to t16 periodic rate(s), the paiodm rates and curespordirg ANWAAL PERCENTAGE RAILS Ray Vay quarterly and may Increase, a decrease based wl the, stalled roll, as fend i1 The Wall Steet Journal. plus the ri argkh previously disclosed to you. mesa tnarges ova be elective on the first day d your oil" pwiod exwared W your periodic slalertent anddg r the mwtlp d January, Apr X, July mid 09WW. c. n the code o Rao'thty Pane), F (Mwetny uBOR), or G (Treasury LIBOR) appears con the Vont .1 you- statiorrient rend to the paiooic rate(s), the pwbdic rafts and wrrespodng ANWNL PLKCENIAGE RATES may vary Monthly and nay lucrative, or deae®e paged on the stated oidl-, as found in Tha Wall Street Journal, plus to Margot prwdusy dwosed to you. These Barges wa be elective on Urs first day of your billing period eapt'rnMri 4. A fad Of Lame, Om" and Returned Payrtant Fees Under the Carrie of you csorner agrenrent. We reserve lip right to wave or rat to assess any I- wthwt Our notification to you without watlrg our right to assess the sarne a smnlartess at a later nip. 5. MntlDershp Fee and Reneioneg Your Account- l a n-baatplee appears on his slaertm[, sse wit/ erect[ the fee of You request b close your -ht wthn 30 days of the nailing of this stalerrent You may continue to Ise dp account during this 30 day period tacyto your raqueet. It you m not pay all Charges owed on this acoun with in eo days, a t yW use your G. 111 fro w accent afotw you request to cone, any h-berarto tee Previxwsy waived -ray be resatareG to your arcant a. Coeog or Suspending Your Aowurd. You May request that your account be closed q ca11-g or Willing our Customer Ralarns Ceparinant. At the bWrla of you request Wewill povNle you Wini additional JOWs wl dosing your aecoU t. Tits ray Wide pay hell Ytomaaoll. l you use your Credit card a charges post to your a nt after you ask Its o close your account. We can ksep your accau t open x reopmI L We nay close of suspect you accourt and your xgtt to Obtael MOOL We may CID tits at lay tree and for any reoasol,even rya are not in da'mut Asuspension dyer acxwat can be perrrarart a terriormy. If your ace antis dxaed or suspksYd, you aunt stop using your -,cod card and account You must also cancel at preawnrizef W ling wralgara oft, to the acwurt. We will not do Cis or you. C we close a pemarardy suspend You account, you must also destroy all credt cards and aomunt access x:heclc You rust still pia' all enfants you owe is of the -'t, even If they' were clanged filer your acco 1 a dosed o suspended. T. Making Psymens. Pay-nerts you nail o us eel oe credited to your accost as d the brairass day ova reooye L provider] ;1) you sand the L otlwn oorion antis stabrtad and your crack In the encl-k! nafftlaleCe"a" ad (2) your prymnt is received in our processing carter by 3pm ET 112 root ?T). Please allow at bash five (5) Menness lays for postal Jolw y. Paynnohts received by us at ay other locdbo', or n sorry other ipfrn Tay not be Vis tad as of the day W -ucewe them our ousoedy days are Noonday Ulrougn 'AahJay, -Counting rooklays yome Phone Alternate Phone 8233855 L mail Address_ ....._ ........ .... ...... ....._.......... P'.wse part addrcv cr phore rumbe? changes aScve usirq biuc or black ink. 9. Notice About Electronic Clack Conversion. Whan you Prkww a check as pry Mm t. you suit. aux ether to use it forrt,ffiwl from your check to rrahe a wlaU're electolrc fund Transfer from your- deposit accourt or to Process tree pey1ne't a a clack trarsarlol. Who, - use inforhatbn from you check to make an electronic funJ tiensTer, ludS TW be wthdromn runyou(agxMd Kc t as soon as tine same day we recewe Your Pa1'xrart. anal you MI flat "Xelye Your :'Eck cock f(on You ilflaala institution. Your autharSZafOn 5 not Whan d oy the date on tip r•ax:k. We rnsy rraubrnt acid elettrurlcaly infect relur red paynnertb. 9 Batmptq. If You are entitled to bankruptcy prdectrner for you acmut. Irks coTrrkrscaaon a way for oXorMaWnai purposes, It is not an aganp to collect, assess or recover a debt or clam. W rat sand airy paymdts directly to os WU-A speaking with you bankruptcy Womey o it. Ban nu" Court t you Vilit b cg1laCt W -A ywr accost -your t,*.pky proceeding, please have your attorney cmtaot . t31LLJNG WOH IS SVN#91RY (In Care el taws w Questions aWW Your dill) C you think your All is wmng, or if you deed - ktorMatbn ql a Lana e- w put Mal to us wl a separate steel as s I m poes,L'p at I'. adUo- for inquiries sI- on 1'p front of this stale tenri We must hear tram you no ohs than tU dayx anal We sent you the rest tip on h h the aror or o'own, appeared- You Cdr Call ow C.ntwW ReHbws rumor or notty Ire by east w Webst., cut doing so will not preserve your rights. In your latter. give us the olbnvlg Xtwoatlon: your narre and accout nan»r. the dollar amout el the, suspects] -, a desorption of the error and an esolanalon, t possible. ef wfty you behave there rut to, ern)", On t you n .0 .Ilia "Urralkyo, a deecrm ion of rip ten, you are rulsdrs, about, You do not have to pry any -*in question &We we as try Alpang to. out you am still obligated to pay the pails of your bill Via era not in I question. While ate iMestigae yaw question, we cannotreport you as detirrilert w take my ad- b -Illect the aRrurt you question t Soecal --Ui. for Credit arm to-teases C you have a pobler n wan the quatty W p?y w se,-- lit that you pur_-hased wilt, a craA Card and you reeve triad in gal tats to Gofect this W,,bWn With the iniere a d, you tray have the right rnl o pay the rBrtaXnYg amount uue On the a-s' ly or services. You ;eve ties profectton only when the punct-price was Inca titan 450.00 aid the ptimh a wax led, n your 'are state or within 100 moles of you maarhg addr?ss. fy ,e Jrtl or gpaal9 UrM rrlacnmt w it sou galled you the dtlVela4eRlBlt for line Property o services, a1 purchases are wvered regarAess of -round or wcaeon W purchad ) ?fame rertprtler to sign at carnapanuo rese- t homes not apoy o bJ rless accouh:'s Capita one supports utorrrhalon W-Y protection. see ow wllnte a wow cap7aora.mm cap" one is a tvdway newsow swvioa Ta'k of ::aptdl Jhla inancia Corporation. Ali -iyks'o--d. 02008 capital one IC{yJ Ol LA AYr-1-7 'typj Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: is Don't staple or paper clip your check to the payment sop. Be sure to use the payment envelope that came with your n statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your lb-digit account number on your check. CA i",7, what's in your wallet? LET'S TALK - WE'RE HERE TO HELP. soooos Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One," we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely cniine by 'ogginq on to Ai,,vw-calorta [one. co M. FINANCE Previous Balance Payments & Credits CHARGE ) $3,346.45-? $0.00 *'$66.57 Mar. 05, 2009 - Apr. 04, 2009 Page 1 of 1 MasterCard Platinum Account 5176-W2-90437677 Your Account Infomlation 101 AL.CREDII- LINE $3,'I50.00 ! TOTAL. AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR GASH $0.00 (Finance Charges :Please see rrmse fa irupo Lint information) Baiarce rate Pe 10Ji C0geSP00J13 FINANCE aof.4ed IL, ale App, CHARGE 1 `u'c?'?ases :4.124.11 70534Lio D 23 I: a S-51.421 !JS . D 23.1 S5151 r ANNUAL PERCENTAGE RATE applied this period Z3.15',6 At Your Service - a to - cyKatxrec n b uwraie yxx -1. x iat 1-3'J7-yYl"J63; to re.x.t a bsi x sbien ca-d x sx,af, b wsbr? R:hVan ® Pay Online a rmw.raoKabe.wn arear)- Pta rr[arl to. Oro E3mk (IKA), N 1, • ? 3. 3, $492 • Carol Sm an, L 6?)19i h432 e Send Inquiries to: :;3Nal C)ne ' O Lim( 911as • 6A Lae L:dy, U I Gt 1"S}'J2as Have a question about a charge on your slatuneW. ke e refer to the BIWng °.ghts Summary on the bad: of your stat?,i-t a visit www.caaitab-re.caN? ides Transactions New Balance Minimum Payment Due Date i * $18.00 $3,491.02 $375.00 Apr. 29, 2009 :rre bind .fir fro p<,4m d __;> :alf If y»rs Fray , Fr?rrr..ial difrru li , and ?ra1-na.;e vxx iri vm.cr cu,rment -we want to help- Let's work tea=tier to find a ;o?ulbn. Payments, Credits 6? Adjustments Transactions 1 1- fv4 K A-T DJE FEE - - - S3U.00 04 r',r'R. ! r,Ea,_IfvAl FEE AuR 04, 29)9 539.00 'Jndr' tCr.T,; provr:-J* drxia'cd to you, s7rr or aA of yaur rtinnual °crcrntag;. P,atrr (A-'F'W) txrrc bcrn ii N, eased sig. yc" ac:rmt was fit dle IwiLL? in to pest 12 t4kA j oyck-s_ Nyou; rales have A aa* irxxeas.?l, suosegrni delixyeries exlerrbd the duralron of the rnGease3 rates. Rememxr: If we. 2r.eive y^w milinurn ma,thty payment on tine (or 12 conseafive bilYng yd , tTs account wJl Le ?eviawed Pur a Pxsble return to yax t,bn4nl:oductay APR. cur gr-cDk i has one over its crest hrnk I a afford aiifional overkmit fees, you shr Ad pay more than tl k tv n ,x. Pa r- ,L P1eeC oay errvup r to Uiny yw acwant balance l ek)w your 09Jit land immediately, and make sure your acouunl'ratark;e rernairs below pi crerit Knit Please ce sue Pre amount yo'J pay axamts for any future purchases. fees, and hnanoe charges- Y os wee a; -sed a past due fm brxause vox r nnirnan payment was not received by the Ju- date. To avoid this fee it U-e future, we i owwned I'-al you allow at least T bsi»:, days b, your rrinimurn rayment to reach ?tal rkne. PLLll:E RET UHN {VHTION B}lOW VVII}{ P/tYNK Mr ON i CX, ON 10 ?W'J11r.C.'WrNDPR.CON110 MAKL YWH PJtYMENr ONUNt. Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Apr. 29, 2009 ! $3,491.02 5375.00 'LEASE --A) Al LEAST r, MIS FiM94f #9009507581609092# JOHN W1119ROUGH 1001 Sycolin Road Zuite 1. 8233855 L eesburg, VA 20175 i{{Inlllrrrlrnlllr{rlnlrl{rlnl{I 1 5178057290437677 04 3491020087000375001 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 0 Pav urlinc -,yrimc -- h-s. ,tar-,ps or J..xr. 0 Mo-q? k -1<tr your ?ddrCss onl,nC or nn thr h e I IeIP s-,- thr pkm-t-cm paperle" G sqn p ,, ,_.,p;, nn.. -', Capital One Bank (USA), N.A P.O. Box 6492 Carol Stream, IL 1.0197-6492 ..IILI•••lhllll•INt{h•l•4•h•dllhl4hll•l•ndvnrl•rh Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JOHN WIMBROUGH oJl 01 F1. How to Avoid a Finites Charge. a Grace Period- Yod era have a mirwnrn grace perkd of 25 days wt sdi t.alce charge al new reach-' r v balance tr ansfe-s new Special puictha9es and new suer charges d you pay your tdal'Nev 3abrcN', n dCCOrtlacs Wilh tins Inporland "k"" IOr payRlalts below, ad in III- I for NO be credited by your pay-( due date. T tere is no graces pevod on caan d arces and special Irarn51er3. In arkk-, then= rs no grace period on any UdITiaCYlw, a You- na -Y U. Mal abv:e." N- U . A-r i g Finance Cnarge. Transact,- iW- h are rra ii SubJt,'G(D2 a grace perild air assessed fralpe charge 1) 1-om cue sale a tine tareacuon a 2) ion the date tre Ira,sdC'txNl s p!)Ce5s27 to owl PLC Wid or 3)f oll Ine rim calefrlar day of Ine cu^Er% Alling penod ArlrAtiana y, 9 you did li Pay the 14- Balance" [form the plevtous '?.. Lihilg period in hull, finance charges continue b accrue to yon WPM Uala ce W pl Ire ulr old balance IS !Maid 11 full This rheas that -nay slit UVe irlaKB Cllal gra ?VEMn If you pay the .0- New Balance indicated on the (rant pryer slaternelt by the paym A due date, our did na do so la the pewlous math. Unpad inarice narges are adoed to are aaplbabte segrralA a your A-li,I c Mininurn Finance Charge. For -1h billing period eat von _,_A its subect to a (Hence charge, a -rum j total FINANCE CRARGE A i;D 50'wA be inposeJ. J. IerrpAary Reduclion n Fnace Charges. We reserve the right to Ipl assess sly x low irrmn.e dwyes to ally given All perad 2 Average Daly Saance (Including, New r'vrchaaes). -r" Large is atJated a mulupyng ire daffy Lala,Ce Jf ea l eg-A A your account ,d-n- , F'urct r, sp ul tr- Srer, and specs I pr_:ase) ty are correxµrrkng dalY pe"if rate(s) una Has been [revlously uocbsed toyoU. Al tic end leach Wy ddlln Inn W6g pernod we 4" Le 7.0y PeluWc rate fol ea-n , seglletlywr a?:>uxto tine dally bdalrce aeacn _genet then at the end of Me A ill penes love add up fit f-WL3 Of ak0 a loll Cakulawp to dflw A your periodic!Vvince =harge fa each 3EgIrre t. We acid lip idle l,-S Ks tf=each se'?rle,A to a-," at Me teal penoa- lvan`e charge for your acc-:urk To gel Ue Jaiy bal lxe for each Wnert AYou av oarLL err lake the begrq,pg tabrioela eacil segment and a M any :- transactions and ary, perwtlic Trainee chage calculated on the pevklua Jay's -6- T. the xeglrmt'We Mw, -Uli-Y ary paymens a reads posted as of I" day t'at are allocated to teat segrrait Pits gr.^s us Ue separate day Lail for each segment a yc', account Haveve', 0 you paid the New adance shown al your prevws salerre•t n full ,or d year new La r Was Zero a a credit army%), new lrassacuws, which post to your pu:clase or specal p-le - 3egmarts - not added to the dally aala,c- We cakvtale tie nonage daily pianism by addrg aT the duly tr Farm tujetlrei and dMiLrj U-urn by U-Ni uen A tnhe days nn the .1.1 Alli g _yaa. To calculate you total Want cha ge, nuTipy You average day War" oy the 'lacy pailodlc ale and dy Ire runner of days in Ine dicing rengd. LTIe p'Wilding ale a call pail a sue Ip nwlunun rx,an.e charge asse it, dlere may bur a vanianre Lehveell Lapsc kulaiml old tie afllouli uI Bits' c`a-w actually assessed. Changing Address? 3. Arnhaal Percentage Rales (APR). a The term "Annual F'er<r sage Hater' may 4 r as WIR" Orr Ne rra%of V.9 9alerre?%. b. T de Cede P (quante y F'lrrlel. .,U.rlWy IJi c t), i; ,Quarbely CD), a S (Bavcc..d Prime) appears a, tire Ca4 A MS stater vt'-I to a. -rpWc ra "), the pergJrC !ales and vrrspwvdirg ANNJAL PERGCNTACE fL\lr= may vary quarte ly and nay increase or decrea3e based On Ule ANted 101-, as 1-110 r1 I he Wall bA:eel JWrliat pis t to nrergln perioush dsrbsed to you T riese Ctallgrs era t _ -edit- W the first day or your All peried Coveted by your periodic slater ell e- Jieg in U. ,nAIM of Jdlld"a'Y.:'lprl, July a vl r3c tar. C R the code'D (l 'burns:, F lPAathly JBOR), or 3 (fteasury LIBOR) aPUears a, tlu rat of your statenr_+N rrrt to the perodic ;alei3i. the periodic rates and corre3ponding ANNUr,L PCHCLN I AGE RAI'_S rroy vary i-lthk and may n p•; as w Jerease based on the slate? Indices, as ford it, Tire Wan street .1-1, plus the marg., orr.iash, Jn3<:lo.;ed to you these chagas "IN y elfec ive on Le r -I Jay of your IHNi'%7 period earl, -0, 4. Aseessrrera d Late, (Nertilrt and Returned Rayrteft Fees. Under the tem,s a your -- .9-A, - erve the ngnt to carve a' na to assess airy lees wtthoul rJr :rndreaiurl lc you wk-A waiving our right lu asxrxx the 3anThe Or 3-lar I- at a later nine. >. file"ershp Fee and K,-.g Your Arzwnl. N a rrherruersrlrp lee appears of MN, sate'rent we wiN credit tre lee 9 you ?4-t b ckne your asout,,Mnw, :Y) Jays A Ill ?laikfg A t. G sateme'nL 1' W may ConfinJe to use" account dU/ig the JO day rw_ sod belwe your request. It Y N do na pay all cthages uyeJ on tits acrount evt'n in 90 days, ,if you us you . --V :a I or acrouA after vw request to .61 -4@. any -rI see Pevi WSy waned nay be rawattd to your aCCD'Jt o. ccsm or Suspending Yu. Account. You rray'elllrsl Mat your account oe closed tly call Dr Iwiti g err Cu;torrhe Reatols Jam- Ar r t At the tine d yours r_q-I, .w cal provvle you WiUI aJJllia,al :lands a, closing your accent. rhos may mote paymed i tonrefcn. T you use your credit card or --rJes post to ywr acount after you ask us to Jose your --Vi. - can keep ywr account opw, .x ncw.pe,iL W-y Nrne a s„Jperd you, ac sad y-, rK" l7 oaavn credo We may do this at any time and Ix arty I-on. even f yw ale nit in default A SVa'pElralwr A Y- wiN _an be per-rar,erY a (enODrary- If your -ow't is cbsad o' susprnxleJ. yw cwt stJp us.g you <'edt cart and acoout Y-o grza all cancel all preyulhornZBJ Lilting d:'r;nryare!gS Iv the aCV u't W2 Yns opt do tip fa you. n e Close a per'raiei%y suspend V Wf dCCOwt, y0U mU31 alas destrDy all creWl colds ad aCCant access c2i-.!cs. You 'f1U91 StIN pat all arttTlnt3 you anC us 011 dine a_"coulA. eyrei I( !fled' W'ef2 rYldfgeJ niter ywr aCCGMI G ClosrJ a suspeldrd. Maltig Payments. PRY-13 Y. ,-d D tts wvi oe seal to vWr ace It as A Me :wsllless day yule recewe L povkled r, t ) vod sent the LpU?/n oonlfn of efts 3laarr,ert a d yOdf CIfCK ni If1z'IN.Y(5rd ICYIIIla11CY it WBIWe a/d (L) your pay-A s rec:.ived in err processing -Aer by 3prrl ET 12 Warn rl n Iteas2 A- at east file (5) pilsiv e s days to postal delivery. Payrrla!ts eceived by us at any oche lo_atern Dr n sly alley tarn nay not be'YidteJ as A the day- receive hewn. JUr b 3Hk15 days ara M-day thruun Salu-day, excludng holbay>_ Address. - Home Phone... - Alternate Phone..___ . _.._......_. ._...... ....... ....._ _._ _........ _. 8233855 E-maul _._ Address._ ........... .... Please l address or phone ?.umbr changes above usmq blue or b ack ink. 8. Notice Aba[ EMICIMlle Check Conversion. Wtlen you P'ovlda a rdlack - payr-A. YW aullionize us A- to - itdormaliwl!0111 your aleck tc all a olte-tire electronic turn transfer from your deposit account or to p(Oca3s Ill l as a all lrasdCti,r). Wheel vve use into-nation from your lmeelt to make an eectonic fund transfer, furls Tay bewdhdrawnrwnyour deposit accout as soon as 0. same day vw! neeeNe your peynent, and you era not receWe your C-ck back nom your Inacral -bluition. Your aAhcfaad- B nCl inked W nee date on the ': Ac We:ray ie-iubrw and eR'clrunKaty ieMwn,ed ray-ts. 9. barWuptcy n you are entitled to tvnnuplcy praecliu(a y- -4. Mw Coin ,cM,1 s only to rNorniabo'lal purrnes. It b cot an atlerrpu to collect, assess or recCNef a .1 : caeR Lon;t sera any payrtelts diectly to w Wadlout speaking wth your Lanhruplry aUomey or lure LI-Muplcy G:wt r yw ward to --act w aw W yAsr a-M or your larpcnpky prOCeedr%J. Please nave yaur aNol--Itac[ l6. 1 SIUS43 FRIal IS SIRAl ;In Caae a Lifers v tateslrns apoul You ell) N y W it.* yalr All is -rg, a IN you (need rrore ittDrmatFan on a era,--t wl a pill, h it-G us an a se drafe sheet as SIAMI as posstte at tire ."less ra inquiries 9lrawl Drl ele (rant o U,e statemet we crust has torn you no Ater Mal EK) :l at" - sett you the first tql on Which the error a p-oMem appeareu- You can If r CdsrJmer Relaborn mincer a ndMy s by erred w w-0St our 3d- g so wi rind preserve Yon rytds. In your etlr give us the IDTO.r.g Wortribn. your nacre and wn%I 'Ibar the dale/ anpwq It M .-P KW err of, a Je^xn'1%lo. a ere ernr and an ezola, Iwl, If posyble, of wtq, y.v 4ellev-throe [? a' l "o . or If Y- -0 cope ntarnal-, a W_xrpl.>I, of tie pem you are nnsWe aoont You do na lave to pay any -q Inn qu A-.Mae we ale nyestlgaug a, out you are still palpated to pay she parts of your bill Thal are Ina in rie L nn. Wilde we vWess3ate your question, we cans report you as Jell due d a take any a ti- to oAl the arrount you quesUan. Sp. Rule for C -At Card PurctIases T you lave a I.AAe i Min [ e quaq' a p. werty a serrr., Inat you pur-lased wan a credit card and you leave tried in good full to cur recd the pobW" t M true nac-U& yJU Trey have Tie 'gtd t% to pay the rerraning arroWt due on it* p'opedy or servlras. You haw its protection sly whet, file pure ase price was mere than 650.00 and ale purctase was'ru de n y Wl none sate or within Movies muss of vwr r aiing address. ;N ore awn o; operate the mec' lt. o d the mated you the advediscvnen% fu the propedy, a seryi-. all purchases are -ed regardless :A arcs[ or l atbnW pr. cease.) please :erenber to sign all correspO dance. t _7y- :. apo'y 7 b-'r acco;r'rs Capital One supports'oil-alion privacy proted- seew welade, al'.NYA!,ct? :.gym ?araal Vie s a fiderasy regstered service na: K A Capt-aI une Financial Coryoratlol All rN,)<ld'esErv J. V 2)08 Capital One Ic-09 :J 1 MWXY56- 1 -J3r26/08 Not quite ready to make payments online? No problem. Follow these simple steps to make sure IS we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. 1, sure to use the payment envelope that came with your n statement Using a different envelope could delay processing. • Please don't induce any additional correspondence. Last but not least, be oure to write your 1 6-digit account nu-nher on your check. Ca ??- what's in your wallet? LET'S TALK - WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One;` we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1-800.955.6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by egginq nn to wivw.capitalone.com. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date S3,346.45 $0.00 + $66.57 +1 s78.00 I $3,491.02 $375.00 Apr, 29, 2009 Mar. 05, 2009 - Apr. 04, 2009 Page 10 1 .__ --- --- ---__. s yAT %i- H15 AY If MasterCard Plenum Accent } uYe E ind oy w o p ym rt_ ; s to P I y ri'e F? in i rrc?rv.:!al 5 ri uili erv±r ! ?t nal.eu 5178-06T249043.75H nnm it Payment-wewant to twlp. Let; work tat=th_w b find a soli-irrr,- Your Account Information TOTAL CREDIT LINE $3,250.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $0.00 ( Finance Charges (Please see rederse for nlporL'Tr4 iri(ormalgn) Balarr:e rate Pe,ixic Corespaldlra0 FINANCE e):Aied to rate 'AM CHARGE -Vases Si, 124.11 0.0634Z o D 23.159. %1.42 Cash S26193 D.D6342.D 23.15% S5 1S ANNUAL PERCENTAGE RATE applied this period: 23.15% At Your Service - C. a m•,.ca,4iitm. an tv rrrurw)vu azuxik : Car I-M973X to wxt a bst or stim ca-d or sp*4. b CAtl iw' R-Wins ® Pay Online A rnxr cmrahne,mm X inal W parn.l k). C*ai One D-k t JSA), N.A • P0. 0x 6492. Caul Sb-, L 071976492 e send Inquiries to; (a to Dne* L'() _ !far 30295 • Sal Lake Qty. Uf d4IJD T28b G Have a question about a charge on your statement? 'loam refer to the B*ig P,yht5 Summaryon the bade of your stat?rne ita visit www.caoitaba.conddisoutes Payments, Credits & ,Adjustments Transactions 1 - 3) tdA4 PLST DJE =EE -S3°.30 2 04 APR fYjLRJIvl l =eE kPR J4, 20?0 539.00 Jn,tr torms previou4y cicioscd to you, sane of at :T year !',nnual ProentaX Pates (A'?s) taro been n iu eas,..f sirxz ywr a ' wnt wes rsuai C}r_ In'i;e in t e f,?sl 12 bilrKl uyc -. If Y= ! uks twe aii rlcreased, subsccWi deirviie'h?w' exterJeJ tie dvawn of the increased rates. Hetiem:&z If we -ecerve your mininum month peys>ent on 6me fo, 12 nnsw utive L, *,,y -ycles, this aaaxr4 wil be reviewed for a prsbk re4xln b yan I-bn-Intoductay APR. Yox account has gone ov r its aedil qm4 I o avvvd aditx_ral overkn4 fees, you should pav mere tan CieArNnumPay!neiLPleas,:ayenarTl bL,viDyu,aacx.,?unlLahwxrLek?vyouf-.eal6mil irnrriec?leFy, and rnake sure yoar aneaunl'oahnc-e r?maxc; tek,w your cedit knit. Please to srxe the amount you ray amounts for any future pxchases, tom, and Mx) x ages. You we!e d essed a past due f e Y_ciije yow rnnknurri paymenl was sot received ar be due Sate. To avoid Ihr fee in the future, we ra-srvne d Vet yar ataa at Last f or>re?s days fa your nininxn Payment to ,each.?ort<d ?Xrts. PLLASE REI URN PORTION BELOUv VVITN PAYMENT OR L DI ON 10 UNlM1J.CANI,ILLME.:.?,7.110 MAKE YOUR PAY fvlLNr (jNIINL. CM - Account Number. 5176-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Apr. 29. 2009, ( $3,491.02 S375.00 PLEASE PAY AT LEAST THIS AW)UNT 1 5178057290437677 04 3491020087000375001 #9009507581609092# J04N WIMBROUGH 1091 Sycolin Road 8233855 Leesburg, VA 20175 liil,lllihhhrrlllr,rlrlrlhrlrlrl Lend a hand. Save the land. Manage your account online today- its fast, easy and secure. Pay orainc erylsrnc__, . cic c4ccks. s a?".p. w Ju'c•_ © r;dd;-.. Q hl'In ,,ave Iha elan, L:: pan.,rir?' G Sipn .p ar •r:ww keen alone _om Capital Joe Bank (USA,, N -A. P-0- Box 6492 Caro- ;trearh, IL 60197-6'192 •,1111,r,IPllllrfilllIv 1,41-1191]fiHIfill I.IVIN F1P19-h Please make checks payable to Capital One Bank (USA), N_A. and nail wrth this noupon in the enclosed envelope. JOHN WIMBROUGH ! 7 How to Avoid a Fi - Charge. - - - h.C- period. You 117 have a mininurn grace period of 25 days witr oul fnaltce charge al new purchases, new twlwtce trawl s, new special purchases ant new 3lher crurges t you pay your total 'New Ki accordance with the IrrQonahl NOMV for payrfenls below, and in trfe fa If to be crcdled by your payment due date. There is Ito grace prod at cash advahcea and special transfers. In addiron, there is no grace period on any transacllal U you do not pay he Mal New Bnlacue." b. Arcruing Fiance Charge. frattaa:lrrh3 which are hot subpd b a grace prW we assessed finance charge l) trohlI a date d the trarsaciron or 2)Iross the dale the transaction is processed to your AcCOUhtl or 3) from ow first r.,r' kehdar day of Ue Current bili Period Auldifichally, it you dkA hN pay the'14aw Balance" from the previous L N period in full, fiance charges, co tirnue to accrue to ywr unpaid oat.- ula fire ulpald balance is pail Yt full This nark's that yuh ,,nary s1A own Ill-char ges, en fyou pay the erne New Balance indicated on the front of your sraterrert oy the pay-A de date. but did not d0 3o IN the prevous month. Unpaid Ili- Crtarges ere added W U. aPpicate segrnet of your Ace -L c. hVlir i m Finance, Charge. For each bring period that your aco-it is ..ore t to a lllla'1Ce cllafge, a --nn total FINANCE CHARGE of k'D.50 war be impose d. u. Temporary PAM- on n Fnaux Changes. We reserve I: re right to era assess e'y or at ftwlce Crw9W for am given bang Period- .. 2. Average Daily Balance (Inckl(Ikig New Purchases). 1-inat" charge Is ^atulated Dy mufiplyng is daily balalroe or each segmrt of your account (e g., cash advar- purchrase, special b-fr, and sPedal purcrase) by the cor esp tiding day perk, rals?s) aria has, beet VWiwsly disclosed to you At Tit) rind of each day during the titkg perod, we apply Ua daily perbJC rate (r ea=h yrrt of Your aceout to the daily balancedea-Ih scgnrea Then at the end d the bill.V period, we add up true resultsd thhre daily cakulatrorts to arrive at your pemolo nuance charge for earn segmM. We add up the results I'm each seg'rart to arm,a at the total prude fxlance charge ro your account To get"e laity baarce for each sryyrrnt of you "-` it we take the begrnting I,sahCe for each seWMA and aril any new tran-tit' s uid any perlo9c D--- charge cWCAA ?d air the previous :lay's ;aar¢r for that segrrnt. We that subtract ary pay-is a credits posted as d Thai day MI are allucaled that 3tagnert this gyes us the separatedaily oalance, for >ach serynent or your acco,Unt HoyiW e'. t you paid the r4W, eaartce shown) w your pevbus amirwt n tut ;a t your nit w oa,W K Was ter, a a Crtidit anhNi t), new, t w: _Wrs, whim post to your purchase or special {Kr:' ere 3agmerb are no[ added ID the daily balalce3. We ..akvlae line average daily balarse by a7Olg at Ine lay balance; togetl er and dyidici the sum by the nwntxa of the days in the current bring cycle To calntate yos total Wahce charge, ilrutiply you average daily balance by the daily periodic rate and by the hurter of days Is the biting period. Cue to roundlg at a dart' pass or due to minirnrn It--, crag. assesurvvt, Urine may le a variance telwecrr Uhs calcJabrl ad the grout of fswrrice cage acoladly assessed. Changing Address? 1 Annual Percentage Rates (APR)- a, The Mm '.Aunnual P.ce,tage Rate' may appesr as "APR" on Ua front or Iris saferi D. t the code N (Ouaterly Nrlna).'_ (auanerN LIRORj C (dY CD), a S (Barhkcard Pure) appears do the Pert of am statarent next to the parioalc raters), Uw pahodt rates ad caresp-hens; ANMIAL PIFRC04TACC RATES may vary quarterly aril may hnttease r deereaae Dased at to staled radices, as found u I he - Shan )wmal Pis hue margin P-iwsy tloabsed I. you. TIC charges wen be effective w the first Jay d y- ui" period covered w your periodic Malernert a .ing in the hhui c January, April, July ad,'Mo,-. c t the code D rTyl >i hay `-%, F .Morthny LIBOR), or 3 (Treasury LIBOR) appears al Ue fat d you- salenert next to the periodic rate(s), the w iodic ralw ant caresporldrng AN VUAL ?EH(;tN I Akin rtA I =S may vary rngNhy CIA may ntrease od decrease oared on Lae slated Indices, as found it The Was Street Journal, An ale rrlagth piwiousy Jmfus l to you. ?hese awgei will re effective on Ule rrrsl day of your olhtg period ew. nlnhUi. 4. /k ient a Late, Vveifnl[ aid Kelurned eaymerA Fees. Under the lernc of your crslimnar agrearrert, we feserve ale nglt to walve a not to a5a!!SS arty lees wthoul pia iuff ui to yw wWKI A waivircg our I yet W issess Ua same a 3mbr lees at a later time. 5. Mtilbershp Fee and Rer-ir g Your Acoourhl. U a merrbershb fee appearsoar ins statement, we 1 credit the fee t you request b Ckxie ywr awou't whir 3J days of the naiFng of this satemera You may cohtihue to ve are account dung the 30 day period before your request. In Yw rlo not pay all charges c-A an this account wan in 90 days, or t vw use your reds earl o acanu A alter you -T-J to close. ary rrhernberohi?fir pwiassly waived ? ry Se feirsialed to your accpuhL 6. Cbbng a Suspergrng You Account Y w troy e,+_ Cat ywr -.It be closed our calwg or wni.,g - Cuslorrar Relations Deps t-l. At ale ti-cl your request we will provide you Milo additional .lelarls w dosing your scowl. This clay ncl de paymeri 'INcratiorl. If you use, yew- credit card or Charges post loo your account ester yew ask us [o close your accwrri. ere can keep ywr accorY op.rl a reu{serh t We may cline or suspend your acount Cad you rglY 10 NAM credit We rray cb this at any irrise and 10r am leasal even If you are IK4 I' I dalaW. A sk"penaw or you, accM11 -1 5. Pernanrt or lenoorary. ;r yea account s closed or suspended. yw-I sup rusig you c'edt cud arid account. Yw rilualat also carrel ail preaul wizard Ling arralgrfalAS to tire accourll- We wN I Kit 00 this for you. If we close or perrarlertly susprtd ywr ac-L you most also destroy all credit cads and a-t aaess chi ck Y. gust sod pan all amount You arse us was ax'OWlt eve! t they wore charged art- youaccount s clos_d u .uspelided. _ Ktd v Payments. Payrri y? -id to us M1 oo crrYel to yap accuu K as (A the -ine'ss day we recene t provided ;1) you send the LNb.n o d-s d 1is sulerhe•l, std ywr Ct a k in the sit.1 sec rrfAs- -elope ar OZ) ywr Payment is receivedin our orocessrg cert. by 3prn CT (12 noon P n. Please allow at least rive (5) bs- days ix Postal Scivey. payments reo-ed oy os at any *,e, localon or n any other I? may trot De r dried as Y the day we : ecerve tnem. Our ousrrli- day. ere UNklay ihrayrr Saurday, excludig hot7ays.. Address. Home Phone Alternate Phone........ ........ 8233855 L (nail Address-... ............................................................... ... Pease pnrt address or ohore numberchanges aoeve using blue or back ink. ltil ill 6. Notice AWM Ekdrorrt Check Corwenipn. When yw p:widr: a cf 1e m paynrrt. yw aufwr w etxr to use irtorrrutroa h- you check to make a o s fire ekctrwlrc fund waster firm your tlepos( Wool" a to prucess the pay-mIlt as a aleck Iallad0 p'L What we use ntformaton from you cf -K to main an ekYirot k; ru1J tansfr, funds fray oe wakkawn fun ywr deposit accout as soon as are -day we reserve your payment aid You Wa not tecetve your "Mk ba;K loom Your INIXICna inslitutm. Yap authorization a nor inied by ere dale on the Chicle We I fray Ies,"M and ewrd,oricaq oalect ?etured uayrrents- 9. Banknytcy. II you we entitled to oenkaV4y proleditts for your acoNUt. this cons nalr2aY1 ns oriy for rtornaW gal Purposes. 11 k not al aU."O 1o cAsci, erases- tN reGdvr a debt o-aim Do notsaid any pa -nisi directly b us .vthrnu: steakeg kwUh your iwnkruWCy adoney or lire BaivuFfcY Court h you .van b calar't rs a:aa your accNI t or yam tanu h ploy Prxaeedig, Neale have you .11-Y catact - -BILLING Rl317 3'- '.AUIht4.RY (In C.- of Fall's -o- abpal Your'aM) U you Ilntk ywr gill 5 .worrg, or if vw'need rro2 ihr-11oi on a vahsacwrh or GII. .wile ¢• us air a aepaafi sheet as sual as -it* A are address for isq.- shawl .1are rronl N U. stalerrlrn. We - hear Tan you no ratio tuarh W lays afar we s&t you the flsl LA - M,,idh the error or p"ohleT apoeared You can .11 oar 1_' -,A-, °?lalals iwm'ver of rlolay, us by riua or hvet+sile, Sul dlhrq so wN rut preserve ywr routs. In your liter, give us Isle 1, twig WormMron: your nape and awwi nV rod. ere dollar ar-urt pf the suspected rrur, a Q3CrTP(Un d Irhr error a!rJ ail exdwlainn_ rf pcsstte, d wiry you oeime Nrrb air Ciro', Jrt you" d:Trle i110fOMayaB desC Onsn d Ua item you are unsure auod- ou tb not have to RAY any anwlt In gilesabol wide we a e irreAgatsg t. our you are silt oWigaled b pay ale ?eras d ywr ttp that are ere in question. While kw r-I. ere your quest-, hw carrnit rewn you as deG.W4, take ary l-61, b _-Al d the :Yltlut you glesn". r i- Soec-Lil Rule for r -M Card --erases U you Iav- i p.tblrrh with tiler quality N pooery, .or srvcs5 "rat you phrclasN wth a crept card aN you base vied n good Tanitoca.:ect[hi poben _ the ? Arehart, You: ruy have the j ryta plot to pay de -g arrourn due oil the P sty or -Y ou ,eve t'is P-N__ wvy amen ere _cn_ mce vbrew than Se0.00 are Jac pcrc`ra.,r was ,.,de m your ,Grte stale Ur.M'tn iJO aches :tyw. mating alriess "11 we j =t r p' ZA Idue era' 'ha't, V t VW flahned You Ina f Serth= n hr the po?+ly ?r servrCes, aq'yndages are crNred -9.,lless :t aiLUli o' locauo. r d pucvse. I Midair rehrrerhuP_ 0sign aA: el-jer_ t Does :%YaW'J bus,hest -ccI;, I Capital One skppib'v rirn nhathua pMar;y H ola:Uun ore ors wehYle at'.Yww.captalone._- Caput Fin OnesaIA rllrwbrad:,avice mark d:;aplL-Y Qe anciaC ?xalio, . 4JI All ;grs'es.vhir? 2008 Capita 0rw ?? ICUS Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smooihly Q Don't staple or paper clip your t--heck to the payment slip. • le sure to use the payment enveintle that came with your statement. Using a different envelope cnuld delay processing. • Please don't induce any adC:Tlonal correspondence. - Last but riot least, be sure to write your t 6-digit account number on your check. MAKE A PAYMENT. AND TAKE CONTROL sm? m Cam ' ,rnars;nycurwar/et? 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 tailing 1.800.955.6600. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,491.02 ! $0.00 + $67.18 '+1 $78.00 S3,636.20 $522.130 May. 29, 2009 ?I Apr. 05, 2009 - May. 04. 2009 Page 1 of 1 MasterCard Platinum Account Yo re Lc hi I a tray it But Y , n ar ru , r a rt ru , V ra , u ri n 5178-06T29D43767T ox,m!e''rt arouit ai y?nJr ; gtFme?L If y??fr `ray I? fi:r? ?.,ral diffrult? ?il ,oa'r, f _II y, ,f_?rtrlrtred - Your Account Information wa rt t? h? -ivc cn,e 4 a cal al 1 30a 35, G 0?? r . ,; ce L r_Itr_° to w rk his )A TOTAI_CREDII LINE $3,2SO-00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASK $3,250.00 AVAILABLE CREDIT FOR CASH WOO I i Finance Charges r'y2ase s;2 remorse for important iiformation) Balance ate Peiodc Correspondiry FINANCE q led to ale APR CHARGE u chase. 5,25407 10342Yo D 23.15% 93210 ?;dsh ,5(.04 0.05.342% D 23.15% &5.08 ANNUAL PERCENTAGE RATE applied this period: 2115° A! MT n At Your Service - G, to www.%aktlitde.uxn W ::r raje yxr azwnE a Cat 1-37??733ii:fT G -ePrt a lost or sbkar cad r suw4: b Qas?ne R:klixa ® Pay DMirle 2 www cmrtabre.arm a' rrwl yu {»/n[aR b. :.aN1al Ore 3a1s ;'JSAj, HA • ?.0. tau 6492 • Cad Stream, L -,,4?i Send Inquiries W: .;apial Urea 10 . LIN 17285 • Sat Lake Gty. Jr 3411WY23S Have a question abort a charge on your statement? F'W_ese -ter L the Bilry Rights Summary on the balk of your >tatr nea a vrsil www_woitalalecarddiswuL°s Payments Credits & Adjustments Transactions 1 234R PAST DJtl-LL .. _ •,ig.00 -? 2 04 WAY OVER'_Ilvlf FEE ivWY?'4, "w;.9 S3?.)J ,lr&r lerms prevLj* dsclosed to yai, some x al of your Annual F'?-centale i?alas ;A-'Rs) "c t,?o creased sires your account was pmt due twice in t e oast 12 b*n3 cyc4s_ t ywr rates teve ah e" irlaeased, subsec}Ienl deliiquF.rKies exter,r d he dujtiar of the irx:eased rates. Rernenx. If we recew your minimum mond* payment on bme for i2 anseculn'eMIYm7 yck.;, Clis account wIN ce 'eviewed for n p7ssiule reNrn to your Pbn-Inlrodretoy A?R_ Yaar am nt has gale over its credt limit_ 1 o avoid :xlilitsel :w_wlmd ires, you s'ryu d t?ty ma e 1'oa I the'Artimun Payrr eM Please pay enough to brn3 yw aoownt baiw ce below your e.91 limn uorr"lely, and in4.e sure your axaunl5dlare:e Ie n4s below yw calif bnif Please o-V sue t-re anount you pay axounts for aiy future purchases, Izzs, and firranx u2reges. You were asse ;ed a past due te? mouse vcor mranum ,,W rent wA ?i,4 •_c j q Lie dar J-t:. I:, avoid this fee in tte futrxe, we reaxnmz, d It?l you alow aI least i 'osrs hays 6a yxn rirtiruurn payment to reads Capital Jne. PUASL RLI URN PORI ION BELOW WITH PAYIvILM OR LOO ON 10 VXAV.UPII ALONE.(-ONI 10 MAY.: YOUR I'AYN%NI UNLnIL. 1 5178057290437677 04 3636200087000522007 G-P? Account Number: 5178-0572-9043-7677 Due C-rate New Balance Minimum Payment Amount Enclosed May. 29, 20139 $3,536.20 5522.00 -. 1 PLEAS= PAY AT LEAST -- -- THIS AhKNRJT it9012507581609097# JOHN WIMBROUGH 1001 Sycolin Road 8233855 Leesburg. VA 20175 IrcIrlllrrlllrlllrrllrlrllrlllrl Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay or Gino e,yl,mr _,nl_ Q Moving' 0,,-oo yn„r rdd,C•.a HOP - the planet--G, p=. pr•rlrr,. Sign ?p a1 -...taa ilnnc cnm. Capital One Bank :USA), N A. P.0- Box 6492 Carol Stream, IL 1.0191-L'192 ,.IIIII IpnIhIP116,1r'Pp?IIIIIn I'll I•IVnlmu?hrh Please make checks payable to Capital one Bank (USA), N.A. and mail with this coupon in the enclosed envektpe. JOHN WIMBROUGH I. How to Awl a Ftar.s Chage, a.r3- Period. You wit have a mttinam grace penOd or 25 clays woo .1 feunce charge on - Purchases, rev Wk- taunters. new special purchases and new oher charges t you pay Your total'Wew Balance", ill a p dance.10 fine I lloorta t Notice for paymnts be-, and n line to h to oe credited by your payrret due dafe. There is no, grace period On cash ad-nm* and sp"I transfers. In addition, there s no grace period on any Uasacttal If you oo'" pity the total New Balance." b. AOMIN Finance Charge, Transact- vvti h are net 3ub)ect b it pace peod we assessed rnlarim charge l) Ran Ole date of the Imnsadlon a Z) f'o'n the date the ualaaCW I IS pia ed to your Account x 3) VOrn the first caifdar day of Ne current bilkg period. AYdtialaly, it you did col pay the'NeW Bala1c#' from the previous i billing period in full, finance charges mntin e b accrue 0 your Unpaid pak r e del tar WWA balance is paid in rust This fneave, that younay skit o We, III r ciw ges, even t you pay the entire rieW Balance w1dicafed on Be front of you statement by the pay-It due date. burl did rid do w for the pmvraa month. Unp.J fnlarpe charges ore added to the appl-t* segment of your A-ux C. Mirwrarm Fiance Charge. Fa each tssng perch Nan your accout s suk4ect to a limes charge. a rn- Iola F1rW lCE CHARGE or T0.50 will be .4-ad. d. Teniforaly Raduclmn in Fiances Charges. We reserve one right lurid as pry or ad (trace da yes (0' pry given Siting peritod- 2. average Daly BaYnoe (Including New ('rebuses). Finance charge s calcu6ted by mudp/ng the claw/ [alatce of earn seg,WK d you aavunf (eg, cash ed-re, purchase, special transfer, and special purchase) ty the wrreapo rhng daffy penou rates) that has been {revioiny dMimed to you . A to end of each day during Vie Oi6rg Period, We apply the Jay perock rate Ipr each seyrrrt of you alcwlt to it* day bd i e of -u segme,t Thal at the eat of the Ming period, We add up the I-, d these daily tln4ai-i4 piths Ayour tenork finance charge (y each seTre t. We add up the results frorn each segnelt to any` at the Tula periodic Wane duang. for your accwrt To gel Or. Jady pal- fcr each signet •A you accvrhL we take the, begvstig Laance W shoe segrtCr% awl add any - tran-h- .IdaypaiwrekmK t-ge cakuiAed-ire, prW- ity`s otik- for that -9-1. We it-, s W-I any feymeta o' credits posted as of final day Chat are allocated w Val se gp pit This gives o ow separate cdanly oulaicr for iron segment of your ac-ta- Hone •e, N you paid the rtes Balance show[1 an you P, Wous staserrlet n runt ;a IF your w-".e Was zero or a emit.-no. rev, T,a»adip[s. Which post to your o.,V1Iaw 0- spe_lat purchase seg'nalp are Ina added to the daffy palallma. WD calculate the average dally oaance by a".g all the daily taW for" twether and dividing Be sum by the Iwnim of T:e days n the currat Wbrg cycle To calculate you total finance dlage, mi" you average day Nance by the aaiy periodic rate ad by ire number of days in the bdi g period. Due to rOUIKW V on a da* bass x due to mslinturn ri--Y large asses:rrtrt, here may W a variance LeAW een nos calculation aid the amount oT hus,i a chage a =Ify ass ^24.,ed. Changing Address? 3. Mural Percentage Rates (APR) a The term "Annual Percentage Rale"nay apf+eaf as 'APR' on Be feat d l:'is sWeneii- b. 9 the COQ-P (QUaf6errty Pr"re (Quarterly UBOR), C ,Quar" CD), a S (Bankcard Prime) appears w the front Of the sta OnWrt nett to th0 PWIDdIC rate(s). HW parodic rates and canespoding ANN,A$L PERCENTAGE RATLC may vary war" and nary W-ase a dec eare based of me stated exices, as found in the Wall Sheet Journal, pia be Margh previously dscbsed Ile you, These changes Will be effective on the fist day of your ping period Covered Ly your panok stagy reek ending in are rrgrMS of January, Apnt, Jury and C tober, C. If the code D Tawthly Prue), F ;rmrHhy UBOR>, or G Treasury LIBOR) appears an the Pont a yw- smterrnn ned to the periodic rat-W, the --Iic rates and coresponJi g ANWAL PERCEN 1A6- RAE-S may vary mural/ and may .K ease or 3-ease paved on Ins UN.0 lixiCes, as found In The Wallstrew Journal. plus ine -9-1 Pl--Any dscosed W you Thaw changes W[N x effective an Le nest day ofyov billeg period eWi nno llz. 4. AsSeswralt Of Late, (JVW WS and Returned P"n," Fees. Urger the terrre of your cusrorrner agreement, we reserve line right to Wave or not to assess any lees Wtho% prior notification to yod, In " Waivin; our right to assess Ble same a snMar lees at a later tire. 5. MenDersnq Fee and Renenng Your Accouri. I a nlernbenshdp fee appears al this statement We WAN credit date fee N you request to close your a.Y'ou't w'dtih 3U days d the mailing of this stAentrnL You may Continue to use the prom clusg the 31) day period before you raquest. If you do nor pay all d> ges a! Oil this a-punt With In 90 days, x r you use you reel[ -arJ a amount after you requestIo close, any .nerrnberslap fee pr-y W aired rtay be reinstated to your aGCp o. Cbsng m Suspendng Your Acwutt, Y W nay :sadist that your -Iron be dosed by cams g or Writing Our Customer Relations LTrpammet. Ad the Yme a your , `quest. We will provide you with, auth icnal Jeleis on Closing You accoolt This nay r ludLe paynw's ttxrrabot b you use your credit cad a charges cost to you --Um affe, you ask us to Close your account. We can Keep your aao nt Open a reopen IL We may close x suspend yW" accou%axd your nght o Obtain credit. We may rb ns at any brne and fanny feasoll, Well N yW ore Idol 11 derau[ A su"nnonot' you" amount can ce pNffanert or terronrary. If you aCCOlln 13 cb3r>d or suspended, yw nsst slop ussg you credt cad and account You mast also cancel all preaWlaized Lilkg aRalgemi%s 101110 accou:t. We WIN Ind W the la you N We cbse a per-ndy suspend your account. You must also destroy all credit cards and account attesa checks. Yod neat 369 pay all arrouts you owe Is on Be a0.'oo%, ever; it they Were charged alley you account a closad x suspended. t. Maldag Payments. Paymats you nag to us ',MI be .rioted to your -out as Of the prssess day We I- It. provkIed .;t)you send the Wilton, portion Of tis statement std your `neck In the enclosad lar-Mance-elope and ('2) your pay-d is received in our p,---nq curter by 3pm ET 12 n PT). Please allow at (east live (5) business days fur postal defwwy. Paynents received by w al any other lp.b., x in all other term may not be CfedNed as x the day We remtve Men rJUr busnws3 days 3R %to, NHy Nrxgn Saturday, secluding noi]ays. Address -come Phone l@trna±e phone....... ... - 8233855 E-mail Address. .......... ...... .. P!case parr address or phorc rurtlbr rhangcs axve using bide or track ink. ,r1 & Npbce Abw Ekrl-- ChteCk eon-son. W hen you p'wid` a Oe.dk as payne•l, you aWxrite ui ether W use n%wniau n h. an you check t •rd:e a one-tirr electron. fund trailer,--, your deport acme l or to prvicess toe payrrer%as a ttler'K I'asaclk>'1. What Wr use irir-tom rronl your dahi b -`,e an elsctronlc ro1J eausier, fuxa nay ? WasiaWn from your Je"N accost as won as Be rams day We rec2We your paymerk amd you WIN noI remwC your ---,,, oac:c Iran you In ain0 inarlaildo L Your adbyzaBOrr is nx Tnrited W the ]ate On t.'le L-*Ct'We:fray e.;utrnk adek,i:o,raw_Akrt-tuadl payments. Y Benlvtop y ffyoJ ara ,tiled tcpan,GruptcY-4-tions la yoI d (.Wn%, ales CJ"nnln:abpl is only Ur i tv'natip'al purposes. Its not an aliI to Cebect asses or remvar a tL#H.' cI. m. LJO 1xt-d any Payer "-, Jrc'dy Wrat Wdthool speaking Wtfr ypu uankropit: aiomey or Ie Barwfdplcy (.Wt 11 you wall to-aa:t W - your account or your tarvk-[?cy p.-.x 4g, purse have yax .Boater --act us. 1131WNG RIGHTS S-".VkRY ion :;asst Error s U" (auesuo- a'.A Your Wee I(- think your pill r .vrwg, -f you Iwed apes hip, maon a ir-bo,I or bdl, .W ore G as on a S pa as feet av suvl as pxsilb at L'e address for -,:l7,- sham on Ile I:a11 or the sWieTelt We nest her I'.'xq you no Gila nal W days alter We seut YOU tf f"t bi:n ,Wi h the e a p"otrem appeared. You Carl ce" US \-J4tc,- ie4at- -pa, o, nonry is by er all cr wet sike, OU1 doing w Wi not Ixescrve your y A3, In -. letter, (Jive us t'le (_M1Wng Intonation: Vedr narre and a ou f hurCer, Bw OJNar amour[ :% Ire susfact30 stet, a d°scnpt.) ( Ole encr a Jan el;ela.aiol, if p-Ible, of "A ly you tKNWe there isa?l " Urtyw :-_._nC•r nll'x'rlaW l.a tl°$dlpdgn d 1112 hem Vw ore droufe a WuL 1"W Jo ;+ot haVe IJ payany arnoui in gexsifan wftir We a'e srvestgaLgt out you are still obligator t0 pay the pmts Of yan bit that are not in question- White asp n.nvesbgate your pl..uon, We Carr:H report you as deirul-It u take a•y ac-t-vQAL ttx Wruuul you question. T Special Role tx i -'" C-J °:rcnases N yw haysa PWI-Wth tie quality J Pu ty :x that you pufcr-4 W , a -A : J ad you rave tied it gppd oath to--v tre P-blenr.nn the nncrcti:rL y-u'ray have the nghl itd to pay Uw rerraeWg -.A Jue al the ---rry x sBY.es. You have Cu Pile-tan aM+ when e.e purdrese p.e was mre then 550.00 ad ua` puic'use was nade in y our nrmle sole or within tu'J'rtl?.. d vwr mating andr`ss ,b ,vim »ln or aperaw the rnecnirt. u a our nailed you cne auvertserrent for the a'ooerty or 3ervices, am purchases are covered regardkss It aruun v: [.-:Ia pu _'.aar. ? :?rme r--Tt- to sq, all Crespo uetrm DO-'KC a0aj'-bJ5" acct'-- Capital One $Uppum w if-iti,n "---y P xecuun. ;.•-.y? "Istal Orw s a federaly'.>3e:kned servos IH' k A .: upWl ,ale Financial Co?prxation. Ad Ut -,d. , 2;06 C,-ial ar+ I :-JC I ?I'J",1tY)cFi. 7 -:?3l2a'r)ti 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 - • 3e sure to use the payment er,elop, that came wit, your statement. Using a different envelope could delay promssing. ® Please don't include any addironal correspondence. 7 Last but not least, be sure to write your b-digit accourt number on your check. MAKE A PAYMENT. AND TAKE CONTROL tea"'" OF YOUR CREDIT WITH CAPITAL ONE® what's in your wallet? 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. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,491.02 $0.00 $67.18 - $78.00 $3,636.20 ( $522.00 May. 29, 2009 Apr. 05, 2009 - May. 04, 2009 Page 1 of 1 MasterCard Platinum Account 5178-0572.9043.76N Your Account Information fOTALCREUIT LJNE $3,?,.OD TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASI1 $3,250.00 AVAILABLE CREDIT FOR ;ASI I $0.00 Finance Charges ;Please sae rev-,* for i r>pottant information) i Baiance rate Pe, oic CouesporiJing FINANCE J arx A"d lu :ale •:PR CHARGE ale 33.264.91 U65142k D 23.150 352.10 a h 116(04 O. 6M2 o D "Z3.151% S5.OB ?. ANNUAL PERCENTAGE RATE applied this pemct 23.15% I Q At Your Service • w LV mwrk.sdatneaxn b nura3e yuu uxiarl, -xCat 1?J0.9(13JiiSi lores!or1 a lest x st>kn ca d or spaic b t'?bre- it.to,a 0 Pay Online A «w.:meab,e n, or u.1 fur pa nest b. ,4 ital Oro E-k jU3A ), f I. S • n.0_ Dot A92 • Carol Straw, L ?!W, 492 Send Inquiries to. :: :h,e• ' r) box "91135 - Sat Lai. t:ay, UT 341XPY295 Q Have a question about a charge un your stateanW. Fleece refer o the B!J Rgt is Summary on Cie back of your .slater krrl :,r ; isit www uwi?itakne.ckx!JJisoly You'roehindby th'?payrnells.Put you,:an'oriryyuna.mswnrcu ,l yp=n•i-3 pmnrinun P,V-nent amount an your >latement. If you're having frron:d drtTult1.s and y,?1re r_-_ hni we.-•YnH nEd - W- wart to halo. Give ??w ?f _vr a slate, a loll at 1.877. +;v. r j d'.x sure i- J w rat ea as 30 Ladh_v to v,,:xk this out_ Payments-Credits, & Adjustments Transactions 1 23 APR PAST DJE FEE 39:70 2 0414PY OVERLIAT FEE MAY 04 20-9 F;39.77 Jn+, t,rc pre wusly disclosed to you some or all of your Annual Percenlagt I?aly ?i xsl have iricrecr3ed 3100- 104 account was past dte twice in the past 12 tilling eye's. If your rates Irave A--dk irk:. j, sbse?Jent delingt4erxies extended the d?ratim of the irroreased rates. R Tnernxr_ If we receive your mr" um monthly payment on tirne for 12 ansecutre t4Nig ycfes, L`es a-.,ounl w1N be reviewed for a possible return to your Tian-Introductory APR_ Your account has gore over its credit limit To avoid additional overlirnd fees, you ;fo ild pay roue twT lye lAnimum Payment. Please pay enough to bring your accomt balance below your edit limit immediately, and make sure your aLwunt balarcte rernaic b4)H yar cede hint Please r nue t-e amount pi pay a:counts for any future purchases, tees, and finance cra,jes. You were assessed a past due h=e bEcaise your minimum payment was not recenkd 7y lila due date. 1o avoid This fee r the future, we recorrirne d that you slow at k:»t 7 blurs dn-s f-, your nrernxn payment to reach O petal One. PLEASE RL TURN PORTION BELOW w1rH PAYN4EM OR LO4 UN 10 VVVAV.CAPITALDPIE.LOM 1O NUKE YOUR PAYMEM ONLRIE. 1 5178057290437677 04 3636200087000522007 Account Number. 5178-0572-9043-7677 Due Dave New Balance Minimum Payment Amount Enclosed ri May. 29, 201)9 ! $3,636.20 I ( 5522.00 PVASF PAY AT BAST T Has Avu)IINT #9012507581609097# JOHN WIMBROUGH 1001 Sycolin Road Suite L 8233855 L eesburg, VA 20175 IIIIIIIII?rIrrllllrr11111,rI11rl Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. © Pay ;3r6n, yGine--r. r,. check st-v, -1-. < Q MovinN? ( wlje your ,dd rrst on Ii no nr the hark ® Help zavr.• the plaint-t,? papr•rless 0 Slyn ?p at wwcvc?o:calocc.<om Capital One Bank (USA), N.A. P.O. Box 6492 Carol Stream, IL 60197-6'192 •IIII^?IhNIIhIP19rh4•IhIIIIlnhlnhN?ud?nml?rh Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JOHN WIMBROUGH 1 Mow to Avow a FnaTlex Ghage. J Gace Period YoJ rill have a minimum grace Perim of 25 days Wlltiat "hakecharge aerchases. new leaner Iansrs. new spdal puha ad new, aler crrges t You Pay your taal'Tlew Baafxe", I) acCadage with the Important Notice for paynnitnts bA-F and in time for IT to be credited by your payment Jue dale there Is no grace Pew an cast, advances and special t2rrfera. in addition, there s no grace pwuxl on ay tra!pxt"I r you do nx pay Ia total TJew Babrke.- Acrosrq Finance Charge. Tra»adror» wtis h are riot -.jed b a g.- peiod are assessed fiance charge 1) t• me dale Ol the transactp l or 2) tern Vie dale the mar»a Uol a XX-e1 to Your A—A or 3) halm Ile ! fir a _Ie via, day a ate current Wlllig period. Additionally, e you did Tol pay Ihe'T,1 w Balance" from the prevroos ousig peiod nn full, f lades dhages ConRlue 10, ac _ 0 your a ipad :Ja Ka, ual Ilre unpaid! Wlarne ins paid hr full, Trru rrnea' , ter you ray sUl -fnat Cali ges, rn 1 yea Pav Ine eri re New Baanre i nut"i on the frorrt W run 3laleni iY the payrrent 4w date. Dun did rid JO sO la ne previous month. Urspad Irlat a Carges a e aaJed W the apPpcapte IWIMt of Your AC_uUlx C. k4him to FTnarice Charge. For each biting pwbd trial your account a -411,11 0 a finance charge, a menrrum ??. Utah FINANCE CYAR(3E a $0.50 Win ue reposed. c. Ienpoafy Reduction n Finance Charges. We reserv= Inn r'rgle to feu assess Ay x al finance dlages Wr any given bA g beriod [. Average Daly Saance (lscildag New Purchases). F vwxe charge is =atutited by mis"l tare deny 1,aal p J ern srylxrt.d you aCCOUt;e.g., cast •:lvarxe, o.uchase, 3p-al bansrH• and special our _tasel t v uw a.+lrs:xr 1,19 daily, periodic that hale 0- r Ixevrousty dwimed to You At to end of each day cluing - brlrg -Pd, we apply the lay pebdrc rate for each ! e9-t of your azourA W Ie aaiy baaw-e death ?:egrre-Y. Then A the end or i:'re silting period, we add uv Cie r aux. cA U-e daily r-al-at- to a,- A your penodx hunr_- =barge for each segment . we add up me ,s:Jns I ?xn ra<n -,air-A W arrive at the total penodnc lsn?rt.e dram for your account To gel ore daffy uaar_e fur <xcn seamen a your accwrx the take tre begrrrrlg "a-for -I, segner4 and xu any ? IF a»ac -is uid a,N P='ousC W--chage calciits, 7n the {,eyk,,m ay` tidal rTat 04 se-jrr 0. Vve Then subbed any [.smells y re•JItS posted as a that day mat are akb ed to that -X,vh[ Ilus gives w Ise separate daily Dalliance tot :ash segmerc of your ac C_ ll_ HOwCVH, l you paid IN, New 3aance Stpwn win your pevi- statement fr man (O( d v-._ :Jalance Was :H0 or a cmdil arnouii), new r.Twa: Wills, which punt to your purciase or spedai NM-iaae segments ail nor added TO One daily oaances. We aktrae the ~age dairy oall by arddig all the day, oudw a toyetcr crud deitirq the Burn by the muter v( Cie days it the t-f billing cycle. To cak-utate yox Iola) .r shag.. msa ll* your average jai balance Oy the :rally periodic rata and try the nvno, of days in Ise oiling rwkxd, i to -Tvai g pit a dale baste or due to nehwrnrn .e drage assessmeaa, 0- may be a varianxe : 4 Vvrteh L-htS Cakulaari amd lone alCUrn OI hnaA: charge cwy assessed. Changing Address? s. Annual Percefdatte hales (APR). a The Will "Annual Pence ti Ralei' may appear as "APR" on ma frork Of Iis statement. b. l the'. P (Quarterly' Pt" k L (Quarterly LHICIi C ,Oualterty CD), or S (Baiccad Prime) appears an tha rat of ibis statement mein b V. Pic raii the periodic rates and conespordirg ANNUAL PERCENTAGE RATE may vary quay" and may increase ordecreax Dased on the staled r,*-, as food n The Wall Street Journal, pits Ire margin previumy disclosed to you Tpse chages will be Hfective an the first Jay of Ya+ bial period Cw-red W your periodic statement ending in the molls of January, Al July ad cMWe:. c. 11 the code D (Ivlantty Prime), ";Monthly UBOR), o- 'Treasury Treasury LIBOR) appears at the Pont OF your statement next U the periodic rate(s). the periodic Tales ad corresponding ANNUAL PERCEN FA(X: RA I LS may vary rnOllltly aid may ax ease a *crease pissed On line sated indi:es, as round In The Wall Street Jani pie - margln Previously disclosed to you Tbese chalgrs win Se elective at me Usl day oryour billing period ea""'_ A- Asleasrttenl of Late. Ove(WA arrd Returned PWn-A Fees. Linda the terms of your asNrrier agrean erll, we resme Ito right to waive a not to assess any fees wMaA ViO, no fxation tO YOU witout Waking -,right to assess the sere or srnar lees at a tat" tae. S. Mernbenshp Fee and Renewing Yam Account. If a merno-riipfee appears on tit staiL-,1,-,.I$credit ere fee it you request lu cue your ..-A within 3d days of the mailing of Iles salemen - You may concin'ue to use to account during the 30 day period befxe your request it you do rid pay al charges owed on this -,it with it 90 days, or it you use your c-edo -ard or accarl after you request to clue, ay membership fee Previously waived mey be reinstated toyer ascots. 6. Closing a Susperwag Yoa mart You may 'rgxsl that your -out be closed by CaMlg x 1Nnng or Cuslorrei Relations Department. Al the timed your request, we will provide you wtlr adllional Jeaes on nosing your a"OUlft. Iha may IW" Payne A alarta"L IF you use Your real card or charges post to your account after you ask us to close your accourt_ we sae Keep your aocarrl open or reopen it. We may close ur suspend yam assault and your -ION U Obtain ClLdx We may do ms al any tine, and for any reason, even r you we ilU it default. A suspension or your amouru can be permanent a lenporary. If yci r wcDant is cli or suspended. Your resat stop usei9 your credit card and a-unL You must also Cdrioel all preaudionzed ba6,g a-rang-its to the accou:c. We will rqt do tlrs I. you. Ill are dose or permanency suspend your aa-it you must also destroy all -M cads and ac:x uni access :'reeks. You roust still pay all anmwcs you wile w on the arrows. rare; t they were charged after You, accent m closed a suspended. T. Making Payments. Payments yes mal b us will'ce cre'dihi to your accout ale Of rte Duarneas day we receve u, Provided (,f) you send lie ueti Portion of this salema t and your check at me err:tosed re. rslanpa HN." and (Z) your Payment s received in ail processing -ter by 3prn ET (12 noise PT). ?lease Now at oast live (5) dsaiess days fa Weal delivery. Payments received by m at ary olie locauol or in any other font may not be reeled as of he day we recewe them Our Dusaw s days are Mlundlay trough Salu'day, erckdng noldays. Addret,s Home Phone___. Alternate Phone . ............. 8233855 L-ma'l Address-..__...__. . Pcasc pant add•cs_- cr shore mill changes aocve usinq bin uc or back ink. ulI b. Notice About Electronic Check Conversion. When you p ovde a check as Ptyne't YOU a.ul w einer to use informal fronn you check I- -race a ale the electronic fund transfer from your :tepom accout a to process Ile paY-MA as a OWK traraaclp 1. When we use information Iran Your Chel to make an elaCralx fwd transfer, funds ray Lie Wttlsawn fun your del"d account as soon as Ole sane day we receyve YOU paymei( mJ you WO not receive your check. Oack ran y,u unaV:na institution Tour aumor¢auon is nY limited oy ins dale ail the assts We may rrsubrrl ad et-07D'Il ally vikct'efa n red payments. 9. Bankru - l You are enttleed to va:wuplry prdecinr» for your axoun i tlrs Co'IIf1111Ga1Kr'1 a Only t>• rrOr'raW?k31 purposes. It is not an alterrpi to collect, assess x reouvw a debt o- claim. Lot, send any pays it u, directly to w without speakirhg with your tJam4nrAy nU.," a V. B.." My Court. l you -1 W 11-1 W a'AU your att:wM ayour banicl.ptcy p--Jiq. chase have your anonney co'tac[ s. 'BILUNG RIGHT S SluMIARY cull Case 01 Lrors, QursUOr» aWUi Your Blli If you think yOUr Dill is Imo ig. or If you meta rn3?e klfOr"' n an a tralsactrml x bill, WK" U us un a sepaate s" ""I as w n as possible at Ire address for ingUhe9 silo wi o1 Ire Troll o(Ius statement. We Rust heal nom you fro Lxs.•I burin of am. men we sell you the inn blip Oil 'w ich the era a problem appeared. You Coll call our Cuslcner Relation nun,,- or nary, 1s by email x velusle but d'arg sO .4 111,(* Preserve y- ryhis. In your letter. give us tie olovllg Hcamalton'. your name and account numi the dcaar amourt a ma suspected errx. a deSCnpl out of One Hex 3nd an ezoialaion, l pmsble. x w1N Ya!Deleve Kleesa'1erO-Ortyou std-a fonail4a descAplan of Ilse item you areantis auout You do not trove to pay any arruwd n quested whk we a'e rwesu9ahg c, Out you ale sit/ Obligated to Pay ere pits J your till nna are not in questim. While we trnveshgate, your quest non we cannel report you as deliquerr or lake air .a,, in n J:,Ibd V.e mount you q,esuon. T Sp-mlRule for '__reda.;a:dPrairies If You have a problem trim xrc quaYlyy J p -ty n ';rvkea- Iha You purclasel will, a credit _J tiro you !ears vied in gwJ lal'1 to cored the problem rMh me me c-wt, yau'ruv !lave the right rot to pay the remaining amount Jue on the p--ny a sauces. You have L111, probed", anti iriem me pxdnase P- was more than Y50.00 and tie ourral'e was lade in yhl, .'pile state Or wnrln 1 JD mill, of your madeg aldr> . (x we -1 Or Operate the "MC'arx U If we malea YOa Ie advertisement for Isle property or smites, al purchases ale warred regar7less d arlauut or loCann d purcrau j Pre- rem rnuer to sign all correspondence I- Does !tai Di m ours^lt,ss accouls Capital One supports icorai)rl prNa,Y prot-n, s- Tar wehste at'www ccaappalottg,com capita Ore s a federally regClHed swvice mats of ?;. l tine Fiman-1 Cox-am All Vats -ed. ro 2" 7e, Caorlal Qne 1'?=Jd Not quite ready to make payments online? No problem. Follow these simple steps to make Sure 4D we process your payments smoothly: • Don't staple or paper clip your check to The payment slip. 3e sure to use the payment envelope that came with your i statement. Using a different envelope could rip/ay processing- • Please don't include any additional correspondence. • Last but riot least, be sure to write your '. h-diyrt account number on your check TAKE CONTROL OF YOUR CAPITAL ONE"" Capi ACCOUNT AND KEEP IT FROM BEING what's in yow wallet? PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. 500011 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.66600. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,636.20 I $0.00 + $72.34+ $39.00 i $3,747.54 X675.00 ! Jun. 29. 2009 May. 05, 2009 - Jun. 04, 2009 Page 10 1 Hr "IJ'J'1ff MasterCard Platinwn Account 1 ?u r Behind by fU•ur paymanis 91yw r r t41 aina w W a:^_?uul a nt'g na, r r hN niT:u n ii 5178-0572.80937677 ra ?rw1t arrant •ai your statement. Freed h`{p J Give ? >>i ai t.E§ ?60 0?,1°_ J 11 v ,: ?ihsr to Your Account Information TO FAL CREDIT LINE $3,250.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $0.00 r Finance Charges ptease see reverse for important irformatan) I Ealwrefate ?eoclic, Cor•esporrdktj Timm" i a4Ied to ate APR CHARGE 1 rcnase 53 407.56 0.0634Lo D 23.15'. 566.991 °ash 527216 036342% D 23.15 6 55.35 i. ANNUAL PERCENTAGE RATE applied this period: 73.15% Q At Your Service. G, w -axl:.tne.wn b nwwy_ 1vu aunt, a- Cat 1-i00.5rJ3-353! t•, rt,ort a Lst or sbkn w-d x sneak b Q+ LI7r It,4dians ® Pay Online at vmm caslahne--ram -1 Ixxr pa,,-t b. 1}-,ilal Oro Bank IUSA), H.A. • R0. 6>x 6492 • Cac4;aam, L 30197-6492 9 Sew Inquorm to: :;3*4 Jr&,'.0. Box JJZ85 • Sal Lake Gty,'JT M 11WAb Payments, Credits & Adjustments Transactions 1 L)rw,l -ASEDJEFEE 7rldei terns previously Ji Iosezd to you, some a al of your Arvrual Pexnlegc Pales (A-9feva L-r increased since y>ur a=unt was past due tie in the past r2 b41n3,-ycies. 8 your rates fWVe akeadw irk; eased, srbseclient dekpuexies extended t e JxAial of lie ir:ea i rut s_ P;.rrrernx, If v.'= recen/e your mitinum mouthy payment on lime for 12 mnsecutrie `4ng ydes, this acocunt W i l be revieweJfor apossiblereturnto Your LloflnlrodlctayA R Yaur account Ire gone over its cell limit. To avoid a iti_rral wlimit ft-es, vw s,xwld iy mae I-o,, Vte NOrtunum Payment. f lease W enough to brng your w>omt balarx,- below yar edit limit immediately, and ma4.e sine your a=unt b4vicw?o remr %bebw yo,r c eit Bnil Please x sue t-?e iiiourt you ray a.xxowits La aty future Fu chases, f-e . and frrarxx!rarges- YoJ were assessed a past due fee because your mrmurn payment w6rs not two by ale Jr1_ date. I o avd3lh? fee it the (inure; we rerrnrmerJ L`rat yro atlovr at least i o? ?s dfis fay our rni cnu n payment to reach Capital Ure_ G Have a question about a charge on your stahrrlenO F'ka?e refer to the 869 Rights Sm mary on the beat of your stalenei t,j visit www.caoilalu're.?mlisoutg PLEASL RLTURN FVHTION BELOW VVWl I'AYNIENT OR LOU ON 10 VrVAV.LAPIIALOME.CJM 10 NI,AKL Y!)UR VAr MLNT ONurk- 1 5178057290437677 04 3747540087000675007 Account Number, 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Jun. 29, 2009 53,747.54 5675.00 'LEASE PAY AT LEAST THIS AN")NT #9015607581609092# JOHN WIMBROUGN 10111 Sycolin Road 8233855 Leesburg, VA 20175 Irrlrlllrrrrrrlllrrrlrlrlrrlrlrl Lend a hand. Save the land. Manage your account online today- its fast, easy and secure. Q ay vrliw a ryrunr 1?.0.r,1, -"s a i,..r,. Q Mowing? [.n?nr)r r..dnrccs -ne nr r.,rk Help cave the r-.1-0-,o p.,pr-- tJ Sign up at r;++n.? [.,:ri,?lr,nc -^•r.. Capital One Bank (USA), N.A. P. 01. Box 6412 Car01 Stream, -'L LU197-6492 ^IPI•••gn111•Ilhllrirll•!l•dVluhhd•l•nll•HIPI•rh please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelnpe. JOHN WIMBROUGH 1. Mow Iv Arvid a Friaries enarge. a.Cxace Period. You Ball have a minimum grace period of 25 days wtlolA fnaie charge on nev purchases. net, bakarlve transfers, new special purchases and net,, titer charges t you pay your total " Ne•.v Balance", it aCmclallce wen Ole Irnpol4vn Notice for paymelns bei-, and in ante for it to be credited by your payment due date. Ttwe is no grace period a1 cash advances and special tralnfers. In addition, there is no grace period on arty "I OaChan t you do not pay the Mal T4ew B.1a-v - tI Accnuig Fhance Charge. rran oborls W-h are rut subject to a grace period a, assessed finance charge 1) tram lie dove of the transaction or 2) 1- the data Ire transacdal S PrO .-j to your Account or 3) fish the r-A -L-,Aar Jay d the current baling period. Atdt -Ily, e you did riot pay t e'T4ew Baia., from the Previous Li" period m full, Finance charges ranilu, to accrue to your Vhpau ]Wa1nce was Ire waved oa inae IS pail n rut. Thra rrleas that you rr ay still are fink charges. even I you pay the entire New Balance rnulcal_a1 o , the fianl a your static rh t by One payment due dale, edit did 1101 JO so tor' OW prevnre malth. Unpald Finance charges are added to are a?pili segment a your AccOlllx C. ktnRnrn Fnalce Charge Fa eadl Ualrng perod that your accout rs sufatect to a raance charge, a matmsm total Flt W CE CHARGE of $0.50 Will be imposed. u. rerrporary Reduction n Finance charges. We reserve the right to not assess a ry a all fealnce Barges to, any gush oahng p hod. c. Average Dally Balance (including New Purchases). H iirnre charge s MLUb ed by mulinpNng the daily oat.- of each seghera of you account (e.g., cars, , dyaue, purrlrase, special ranger, and special pur_hase) by Ole -reap-ding daily period rate(s) Nat has beet aeviausly dOc6sed W you. Al tIe end of each day dung !'le Ming period, we apply the Jay perroOC vale for eacn -,A-t of you, --It to Irv day balarcx of ea:h segh-l Ihen A tree end d true biting perod, we add up tie resulb: d Nee daily ca cwtelc is to arrive A Your per act. 11- charge fa each segment. We add up the ,-M Iran each seghem to a: rive at lye Taal perodre fiance arage nor your ..-L To gel are day valance for eacrr, sryrllett of your account. we take the beginning tkalarnCE for ell a2gner% and add any hel• transacbals avid any pentane Fria" crags cak'ulated al the previous Jay's :ta6ex fa Nd segfert. We Oren awl act any faym hl%a credas posted as of that day that are atbcaled to that seghWnL Pis gives Us hie separate daily ba611Oe for •-ach segrrrvt of your account. However, K you paid the Near Balance snamn on your prevous stak+rre,t n fun nor d you rely ;glarnce was --ar0 or a creel[ amilunl), new trw acw, rid. uric`, past W your PU'chase or speolai purchase seg lelft art Ind added Is It* daily baanC- We calculate the average day blame by adding all the July bd6 i- lOX1r*r end d'wking Oe Burn by One Ii naer a( tIY days in the curtest bflig <yck. ro calculate yo r idal inance a,age, rrlnltipy your average day balance by U. 'Jay periodic rate and by the ralrnaer of days In re, b," pelnOd. D- to Polar" all a Jay basis a due IO Iralnplnl fn- charge assessrren, there may be a variance telween tins cakvlalna, aid the aro'urt d rrtatce ch loge aCWaly assessed. Changing Address? ---------- 3. Annual Percenlage Rates (APR). a The L-1h, "Annual Permtage Rate' may apt- as 'APR.' on U. front or this stalelaWoL b. If It* oade P (Quarterly Pflnre), (UUataN L BOR), is (Cluardrly CD), a S (B.*-,d Prime) appears on the Fart of 11- sularent nsd to the paroAc ra W,.), U. Pa-odlc ralles and correspalding AN"LIAL PERCENTAGE RATLS may vary guar" ant msy Irncre-e or decrease based on ire staled r0ces, M fund n The Wall Street "U" A' Pius toe rnergln previously disclosed to you. These c cages will W ertectwe an ale fist Jay u your Irairg period covered v your penodc slaWnwt enJUtg in ale nirttrs a January, April, duly a1d (y'(OOU:. C. If Oe code D (Ma" Prue), F ninthly LIBOR), or 3 Jreasdry LIBOR) appeal al the Pant of you, statement red to the pviodk rate(s), the periodic rata ad correspaWig ANNUAL PERCU4I AGE RAI _S Trey vary morttVy aid may inaease a decrease bJSed on the stated idrC-, as rood n The Wall Sheet cairns, pus lye margin prewousy disclosed I. you. These charges wra be effective On 17e fist day of your uilog pehad each molly. 4. Asses mutt or Late, (JIMMM and Relurned Payment Fees. Linder the lens of your custarrer agrearert, we resene the right to waive or nal to assess any fees \VlrNwl Pd. raAYsalm to you yy" vaimg our right to assess Ole same or shrrAartees at a later Orne. S. KIM60 OP Fee and Renewn9 Yaw Account. a a rrwrtane•sltpf appears onads scat-L lve wit erect tf? fee a you request to close your -. wrann 30 days a fhe mailing of this stalerreni- Yw may conhnUe W use 0e -ount awing the 30 day person betas your request. If yOu do not pay as charges o.ved an (tie -ouM ham Fin go days, a t you use your redo card a account atter you -eque,a to close, ary membershial fee P.-I- y waived pray pe remlafec toyour accowY 6. Clasig a Sutrfrendrrng Your A=U.L You may -squeal chat your account be closed Dy calling a \IrrI g our Customer Rela bans, Depannielt. At the a-a your rl,,Ne L we wil provide you wins addi ional Jelai a, at closing your accaaa Its may hrtjule paymet Firwratici K you use you or" card a charges poet to your account after you ask us to close your account, we can keep your aecou t arp n a reopen R We may close or susperd your accruu t and your "A to oota n credit. We may Fib ass at any truce and fa any leas" 1, well a you are not If daaU L A sralpensrorl d your account .1 1,- pernanlen or tertnorary. If your daunt a cbxd or suspended, you cost stop Using your c-edd card aid accoux You rn'.st 3bo cancel .11 O-thanized Lining wrang arrerts to Irw acwux We will hat do this rid you. K Ve close a perrranerty susP_wd your account you must also destroy all credit cads and a-m nt access checks. You must still pay all afrowts you owe us all are a.' oaa, WL EYE+n d they ware clargrd attar yaw accoura s nosed or suspended. 7. Making Payments. Yayrrer%s you mad to Us'.vit - c:E•.Kl2d to you acccux as U to irusines day ire receive it. provided (1) you send the LvlLan portion of It is ataherneot and your check in One e3clow fern ie erwewpe ad (2) you payment is received in ou- processig celaer by 3pm ET A2 Irian PT). Please a loiv at leas) five (5) dustless days for postal del-cry. Payrrelts received by us at any she: IO 311W a n ary aver ram may Inc( be credaed as d Ole day we recewe then, W Msiness days are Israday through Sahuday, ekcludig hoWays. Address_ Home Phone Alternate Phone......... ..... 8233855 E mail Address. --- ............................ Pease po-,t address or chore number changcs above using blue or b',ack ink. d. Notice {bout Electrons Check Cawerson. W IWI, you pcwde a check as -dyne' L yCV a [name u; etx to Use "Urnlalkm pan you -hied; L,, hake, a ate•tnre electronic fud transt" franyow deposit accaat or to Places$ the pay'nerl W a aleck Cahsacvo-1. When we Ise lrtormaborn from yoll check to nlakd 311 alecllol% fuu transfer, funds lleir LW Y thdrik-tl-ywr 04-4 accwlt as sort at Ole same flay we re_etiw your pays-c and you nY11 rid :skews You :nec<Sa:k lean yxs InMlhcra inatiklnbrl. Your adenai:acOh, is nrt inltad by the dove On the cried- We nsy r-bred and ele:t?-aty -416--Y elurned payments. g. BeirMmWcy- 0 you areerttled W ban lid" prciect- fa y'vu -C Ors --t- is onry for thin -h ao.1 pup- It's na an aM-v tv -aect, asses -ecav2r a debt o' claim D. nA sera ary pa,-,ts d,-w to as Witold speakir) -h vow Ua\kriWlcy xi-ley or t e Batuuptcy 1j-L t you -1la cahWtt us spout y- accasa a your barw.•upty proc¢...Jrq. _ le-have you alt- rinses W BILJNG W 3iTS "o; AMA.R)r In case A Errol, a QUes'tal, aa'Jdl Yow Bna) tt void atftlc your Oil s wrong. or K y l h deed --ti omalbn al d aaraacaan or LwL cynW lJ W Gt a s-yai shirt as - are yoesue, at are address (Or n4finen sriwn On (* fral-A 31 this slaWW VL We rrnst hear Iran you IV liter than, of jays after lie sent YOU the fist dal w vanid, Ole era a u Oblan aooeared YOU call -fl ou clatxrer iMaoonx IIUm er a hairy Ufly emea a website, oul dx,.g sd ova nor preserve your 'Nr%s. In your @aer, give Is Ins INTO-m "ormation. y ou name and account nutter, rte dollar arnowa at me susf ecteJ errx, a Qscriplion or the errs aM an ecol-Mio" 'If pmsibr-, or ,Nn• you t ireve there ns a I . . cr a y.-c crJ n...'e nk+rrear,. e rkscriplnn of it. deco you ar -- 1'ou Fib od have to pay arty --A In quest- ousts \ne a:-e.-:: Ohq it, Jul you are still obligated to pay the pats d your bur that are rut in µuealun. While we invest gate your ol-u- we carrot report you as deirquera w take airy-tirrl ocvaect(he aruua you question. ' Special Rrte for Cruet Card?Una s Kvou have A proo4wro nrCl be gusty d p-,fy w. rites :hat You P-:taseJ tats- a =-k cW3 and you have tried.. goN nth to cared tre problem wun W m-?n, yo'u'r' have ale right Ids to pay ante renairg ahourlt jae a) the p-Jpe!ty or services. YOU -a tits protection a y when rte prohase ance lraa rtire, that, Swi and J. purcrnase was -,a, it raid rime state a Within 1X) .TfMs d vat riatrig atldress. 0 re ari or operate lire me cYat. a t ore hratwl vas tine advenlsenwill rid the prOperry or -es, as -dlases are CO d!regar3leas of afCJd Or la:mind PUIL'-. ?I- 'emember to sign al - -espaiience f Goes txt nosy b os'rness ace?„'+.; Captal One supports ua?nvtiar piracy prxexulr sr--.n.r lvebeae at \w,w.?aOtaale.corn Capra iCsahedrray ?egstervd :;•rvrce na rcr:;sot's C?rre Financialapaatnn. A!t ?grts r?w.•af..:>?:i:8 Capda rJrr- Ica Not quite ready to make payments online? No problem. Follow these simple steps to moke sure we process your payments smoothly: • Don't staple or Paperclip your check to the nayment slip. Be sure to use the payment envelope that carne with your statement. Using a different envelope could delay prncessing • Please don't include any additional correspondence. ® Last but not least, be sure to write your 'b-digit account number on your check- TAKE CONTROL OF YOUR CAPITAL ONES' CapriaJ what's in your wallet? 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. 500011 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ;,;•,; .try,, ? t.r,. ... .? FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum payment Due Date ----- - -- $3,636.2D $0.00 1 + $72.34+? $39.00-? $3,747.54 j $675.00 Jun. 29, 2009 May. 05, 2009 - Jun. 04, 2009 Page 1 of 1 r MasterCard Platinum Account 5178-05723pt376 it Your Account Information FO IAL CREUITLINE $3,250.00 TOTAL AVAILABLE CREDIT $0.00 j CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $0.00 F i Charges (Please sae reverse fa inportant i,formatnn) &31ar>cerate Periodic CorresbbdN FINANCE a;led10 sale APR CHARGE ra aye 33,W,55 0.05,42% D 23.15% %6.99 'ash S212.26 0.0534e. U 23.151 55.35 ANIMAL. I'MCENTAGE RATE applied this period- 23.15% - At YourSmite-wbmw+_cart3reann agarageyTr a 4, y Cat I 00.5vYi353T to -e wrl a bat or sMkn cad a speak b OAstane RaiWL, 1S ® pay online A -.?Xdabre-n o- s.I ,urn puyrnerd m: :qld Ore Birk (USAj, ftA .I.O. Bra 6492-CardStream, L 60197-64N Sera Inquiries W. :.ap1a1 Dne• '.O_ Box 57285 • Sat Lake Cky. JT 34tKPY285 ?.NSE :.Y Fl Lc.`5T -HIS WOvT You're behind by to-ii payrnent, BiA y`.,u an 'A41 brin_a ',jx wr:ard . rr?.l'oy ps.rig ttw 7nnirnu n paymeTt arna,11 on year statement PIS n* I Give us a call at 1 HC):i'v`a.5.x7:1_ Lq_ ether to find a sAu`rji I. Payments Credits _& Adjustments Transactions 1 L3 NW f PAST UJ-FEE S32:)7 !Jr&r lems premisly cli-IDsed to you, sane a A of your Aunual P smlage Raley :'A'Rs) have been it iaeasei since your acawnl was past Jua twrx in Cr pasl 12'or/ng gkles. If yo r ates ft<,ve alleA- irueased, scbsegaenl delinquencies extend [ne duatixl of the iK-e[ ed colts. R_Inemor. Ewe ?ecewe y`ur mrirnum monthly payment on lime for 12 conse:utive trteig cycles, tfus acoouit will be -eviewed for a pussi k retxn to yox :'• Ion-Introductu'y APR. Yox ac_aut tray gone over ila real limit To avo d ad3tiaol w tint fees, w,u siwd aay na e than the f4nirrum Paymee t. i'Ieese pay enough to brat yar account balance below your c•?drt Irma unmedialey, and make sure your amw)t DailarlCe re nails below yar cede trnd.'I +sz oe slue t-re arrKW you Fay axarrts for ary kiture rachases, tees, and firksxeX u'e !res. You were assessed a past due tee trxause your mnimlxn payment was not reca*,-J ov Ite due date. 10 avoid this fee ii the fnture, we,e_ n:neYJ that yaa a4ow at least 7:u>v» davs fa your rv,onin pwrwnt to reach G?Mal+hte_ Have a question about a charge on your smI)MICI ? Phase refer to the 130j Pots Summary on Vie bade of you, ;tatwntrit a visit www ca: itakxe-can4isp le; PLL'I)L RET URN PORnON REL(M VM H PAYNENr OR LOG ON 10 rAMJbY Gk"I ALOt1E.COM 10 rVlAKL YOUR PAYkit NJ uNEaIE- 1 5178057290437677 04 3747540087000675007 Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Jun. 29, 2009 53,747.54 5675.00 PLIASL PAY AT LEAST - -- - THISAMCNINE #9015607581609092# JOHN WINBROUCH 10D1 Eycolin Road 8233855 Leesburg. VA 20175 I„I,Ill,rll,rlll,,,I,IIIr,l,lll Lend a hand. Save the land. Manage your account online today- Its fast, easy and secure. © Pav.rloc yt "1 - ,rr_ cn, _k?. s,d•-ips c., d?[ii_ © rvi""'gt C'-oc 7cu-..ddre;c nnrmc nr c, rho hark ® Help are the planned ,n pap;rrle¢ Slge up a. a,v v. talonc r.. m. Capital One Bank (USA), N A. P.D. Box 6492 Carol. Sti,Lare, IL 1.0197-6492 Ipl•••Ihlllhlhlllrl,lhp.lhlhlhhtl•t•nd?nml?Ph Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enckned envelope. JOHN WIMBROUGH 1. 11- to Avail IN Fuarrce Charl a. Grace Period. You wi have a mrirrlum grace period Of 25 days null fiance charge on riev purchases, new ball tansfn s. new special Purchases aid slew oner charges 0 you pay your tM11-iew Balarlte", n ac:ordasce mth the lniportat PWice fa PaymCills biebvv, and nth tine for t to be credlad by your paytent due date mere b flo grace period at Caen advances aid special trawlers- In aJdtiut, Owe a no, grace PW told on any trarsactxrl it you W lot pay the [dal '. iJevv Balace." b. Accruing Nance Charge. Transactions 1Mich are not subjruo to a grace period are assessed frame chage 1) from the date of the tralwachon or 2) from the date the tra,sacWri s Prxess 1 to you Accolx or $) ro , Vie n;.J caledar Jay of the curenl NOV Period. Ad litioally, it you did rrx gay ihe'Ttw BalaRe' from the Pr- lifling pewd h full, fnarMe charges Continue b accrue b your unparu oalalce W d1 the unpaid balarx is pad in full- The 's tie you rray, sstill owe fma,ce ctw ilea, an If you pay the el- N- Balance indicated on the '., fret ,f you staterrelt by U. paynie t due dale, at dl nil b so for the previous math. Jr l finance charges are added to the dJpill segini !Y W your AC- t c, h4r.W- Finarxx Charge. For each brtng penal that yoU, aCC.hrd IS 9lt1JL'Gt 10 a fela'1Ge Charge, a rrhillrlllm UtaI FlNN4CE CFKRGE a 5i/.5g coil be Mined. d. lerrpaary Re01aA11 n Finance Clsuges. yye reserve L'a high to nA assess any or ant 4lake ciagesto if given bherg period. 2. 1(verage Gaily Balorc a (Ir clArag New Purchases). F trance charge m -?Cubted by nlOp/)mg the flatly tWa10e of each stvg nmt or your accourt (e.g., cas3 AVaxe. p-hall Sol transfer, ait special p rclaset ty the wl'respolag day periudic rate(s) that fiat bee I ttNiously disclosed to you At trl9ehd of each day dung Ine Long penes, rve apply Vie day, perod rate for earn -9-A of you --A to IM day b.L.- d each se)he•Y. fteri al the end d Ite btag period, we add up ', rain resuic d Uxse day caktitauonu Lo erne a Yur reradk fiance - arge W each segment We adJ up the esuts tronr earn segnerx W ernve, at Lie ids Ps node ice nharge for your a_.rout To gel the daffy talence for each segment d pus .-a, we take its begihrrg Lalalec fd con, Segment and add any new tra sicanw quid ally PenuUic It- grange calaaateo a tie Pfev- 111', -l tut teal Segment We then ..1,11ract air rayrol a rests posted as of that day Cal are alncal J U Val Segment This 9- us Ve separate dully Diu e our each segment or your acCOJrt Flolvever, a you pad the flew Balance stovirl of Your Previous %alleme't rt fur "p, t your new :elance was zero or a credit annoul evil I xrsacWrs, when poor[ to your Purchase W spacial Pul segnerts are not added lo the day xGinces. We 'aline lye -law muly ba{a4Y by adig al tie day I L,,U to 1o3eltiel and dirk" tlx: win by Lie nunilm of the days m trecumen biletg Cycle. To calculalayl Iolal tnal_e charge, mull your average day balance by the u3ty pdkil rate and by the txrrtier of days n the billing Fefad. W. to Iounil on a Jay bass or Mue to mtnerkrn trance charge assessment, there may to a variance Lehveerl this cslalatkn and the smart d finance charge .'rCnaMV assessed. Changing Address? Address.. __._ .- Home Phone Alternate Phone..__ 8233855 t mail Address............. s. Annual Percentage Rates (APR). a. 7'ne term "Annual Pere tit Raft' may appear as 'APR'. on to M of Ins siatiWil Y b. If the coda P (Qua" Prig lit'-(Quatetly LJW,R), C (Quarterly CD), a 5 (Bantcard Prime) appears on the hart of tha slahrnil red to the panock rail to pendla rates aid oarespondxlg ANWAL PERCENTAGE gATCS may vary quarterly and may nerease or decma3e based of the staled rldices, as furl n The WWI Street Jot 1, plus the rhwrgn previously disclosed to you. These charges vva be effective on the first Jay of your btWg period covered W your pert slalemnA &Ylisg in the maths of January, Apra, July aid Oclob . c. If the code D ITAOxhy Prime). F (PA-thly LIBOR), a O (Treasury LIBOR) appears - t.front of your statenent red Io the periodic rate(s). the perodic saes and cotespaiang ANNUAL PE-WEN I ACE RAI _S holy vary mUntty std nay nGrease or decrease braced o1I the slated Out-, as founu In The Wall teel lou nal, oks n- trial peyously disclosed to ycu These cranes mil oe effective on to first day of your alig period earl -V, 4. Assr.mne/e or Late, Overli tt all Returned Yaynen t Fees. (under the items or your customer agree"" rve reserve [re rigtq to waive a riot N assess am fees wthol pria'tA7oatial to you Will waivirg our rgft to assess the sere a 3rnWar fees at a fall It" 5. MertDeranP Fee ant Renewing Your Account. t a nheMrersnp fee appears on t* statement tie will credit the fee t You request lo close your account wdhil 30 days d Use nailing of the statement- You may continue to use Ire accost dung tie 30 May p ..d barge your request. If you do not pay all charges oveJ as this acwWx with in 90 days, or 4 you use your credit card or accent aver you scowl to Nose cry mernb---fee Pre it waived tray be feirwiated to you account 6. Closrg or Suspe"" You Accol You rhay'equsst Mat your account be dosed by catlrg wIrfng:lur Cudomer Reaaors Li-patrrert. At the true of your r_q.-L we will Provide you wits additional delai on Nosing your aCC 1. This may heads payrrwhX rYanatrat a you use your credit card or charges poet to your acs int are, you ask us to dose your accounk we can k_-ep you account open , rwpah it We may close or sWipt. l yw d-A aid your no to obtain creM We may do Ins at any fire and for any Peal WWI if you are hill n Oeraut A suivenslun of Yur account can oe perrinaneul a ternoll it pus account is cpcsed or suspeil you nuct slop wig you cew air 7 axl a=ou L You must also cancel at preaullonzed bluil anal9arwtts to the at'caunl. We writ rho do Cie Io you. t we close or perrtarertly suspend your acwur, you must also destroy all credit cards and aesllX access deck. You nest slit pay air anouts you owe us al the -,L even it they were charged after your account is, closed or suspended. . kalrng Payments. Payments Y. marl 0 us ivill he -011tel to your c- it as of tie busi ess day we recewe t provk1od (1) you send the botorn portion of this stalernei k al your checK in the enclosed rerntaice, W-KIN art (1) your paynent is h icel in or or-essng center by 3pm ET 112 hoot PT). Please aloes a leas) five (5) txsr ss days l,or poste deli-y. Paynenls received by us at any Ihy localim or n any dyer forth retry not W aeuted as or the day we receNe them ou ousi- days are Nullity, wouyti Sauday, euclu ing ho[Jays_ - Please prirt address er phore numbers changes above using blue or back ink. 6 Notice About Electronic Check Canveraion. When you p'u nde a deck as pay,-L -, alllrxize us vk- to use information from your check to -make a -Ste electronic fund transfer from your deposit account or to process toe pay-nelx as a check vanaW I. Wrier, our use IMJn'rlati- front your check t0 hake an 412Ct- fund transfer, fWxs nay W w"-, ran your deposit a0.'ou9 as soon as to sane day we r-Wye your PWni Wul you will not reawe your Neck back Iron y%na irlalc al insdtutar. Your aulwrizauon Is not Warted l the gate on the ct-k-Wepray, :esuari aril ek?7,-.rw:eN -.ilk t,ell;?•d payments. 3. Banltrlgtq. If you are tattled to iarK uplcy DtdeCllJnw for vox account, this :oTrfrlYL?UpI .only 1. "t- al l purposes. It Is not an Atlerrpt to oll-. assess a recover a debt or claim. U. n-t send my paYniehxs drecty to us willori speaking Mill you tsinknWcy Wonxy or tale Bailouptcy L-L t you rvat to coita:t us iov ut yrwr account or your bankru ley procee3g, ,Dbase have you atomey -4-1, us. -BIL1JNG RI31113 StlrvyvMRY Inn Cases L-, orhesuoiw.b AYou eft, K you link your Al is wrong, or if"neW more k tamdkhrh on a tahi, c-, a tall. tout, to us a r.--i rte?ieet as oo 1as aossiWe a to address fa inv*Irl Shown on the f' darts %.ah enl We rr.W taxi Iran you nit toilet ma, tO Jays aler we sent you the flat LA at INwtlr Ve, era or p-oblem appeared. You cat call our Caslarer ieiaaans rxumoer or notify ,s by coat or webste, Sul doing w nil- pi-e y_vr rids. In vour letter, give Us the Ioloy i g tnfor n hors vol name ad Aol nurritef, rue *Aar aril t d ale S:r3P2CR°d 2l a de- hpmti or 11e error and all . of-iyn. 4 pB3ile crwry, vu beleve there 6 a9 V r t yOU'ieE J W tl II Ir Ylfet(YI, 1 descnplion of to item you are unsure aoDu.'fou do hd lave to pay anry anrrut hn quiesilah white rw_ a e rweagaug a. but you are still obligated to pay the pans of pur bill Ilia are not in questJh. VA* tvIheestlgare yam ouesti 1, we Carnd Pelson You as delnquelt or take any actrri ? :dlecl late ...t You (plc hurl. Spetal Rule for ;.?erlt Gard Furoh. s t you have a pooen rrth to quality J uoxty or scvaes I!,a you pui-Nall-I n a credit card aid you'ave vied in gonJ tale to correct the pdt+ri wllh neat?: Want. Ycu nay have tie riot lot to pay Ile remaintrg armor due air ere p--hy d services. You have Chls prot--t- only when the f-Mase vi- as ?rhue than $50.00 al the confuse was made m y-- fame date or within 100 rues or your r all ng, audess. 11 live ovwl or operale the ,-.,ahl o if -.Al you I- ati-therrenl for the Property or services, at purchases are wven^d:eyespessaarwYorlo,?hapurcrase i sic re'rern.- to sign all co"espori L-e j Lves:uhf aoOY!.b JJSr - a --- Capital One supports in(wriac,n piva_•, pxecbm. see au vlebade, at 4»Ny_c fl-e.CJm Capital One's a le]efa" reg[daeu savka'na k el CaPKW Hite ?na,ala COrpxal,on Au rtyts-?vel. ?•cxa catrlnt ?e I'-, -0t 1 ^^:xxJbii - I - J3r113108 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 shp. Be sure to use the payment envelope that came with your statement. (Icing a different envelope could or?(ay protesting. • Please don't nclude any additional correspondence. ® Last but not edst, be sure to write your 1 b-digit account number on your check. TAKE CONTROL OF YOUR CAPITAL ONE" caprta ACCOUNT AND KEEP IT FROM BEING what's in your wallet? PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. 500011 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. FINANCE Previous Balance Payments & Credits CHARGE 53,7.47.54 - $153.00 + 571.56 Jun. 05, 2009 - Jul. 04, 2009 Page 1 Uf 1 MasterCard Platinum Account 51T1WZ404376r7 Your Account Information FOI AL CREDI I LINE $3,250.OCI i TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,250.00 AVAILAf31F CREDIT FOR GASI1 $0,00 Finance Charges; Please.-e reve, efaimporLatir"LurmatloQ Bala r:v -ate °e irk Conespo,)Jpj FINANCE _401 jto yak APP CHARGE 'rc?ases x.433 5 0: MZ'6 D 73.15 k3319 Cash Sxi, b ))6342%D 23.1 "; :;.215 ' ?. ANNUAL PERCENTAGE RATE applied this period: 23.15% Afh At Yom service. 0„ ra -ca"AaUv..- L; rwre.3e yu axon, = x at 1?'A}4733ti3i to re{zai a lost a sbkn ?-d a s}xaF: to C? rr Relatkxrs 0 Pay Online at nmv.. x tab.e f n o r•al Pu pwTwA to, µd Om Ei., (USA), f ik -,1 D. Bic i 106'1 • ;hsbt-.:^I :5272-1093 Send lnqumes to: Cic"Ones 0_3msWdtl • Sat Lae C0 Jr 8. 41 W735 Have a question about a charge on yom statement? Please reter to the 611ry ?Jah s Summa y on t e loos of your stales rent ,w visit www_wpiabhe.mrJdisaa[c-s Transactions New Balance Minimum Payment Due Date *i S137.00 j $3,803.10 5675.00 Jul. 29, 2009 j His ?jtyjv, r A -hiodby f,,j; rrni;? R.rya.: gun still txirnyuwJ:..1!lk ei 1d ynayrgthernlnirru-n pa,mh°Iht amont m ?air statement t 1-d h*-) Cure ?? a ag at 1 801?,i5.301 he'll worf; to r-Aher Lo Payments, Credits & Adjustmerds _- I 23 JUN DIRECT DEBIT PAYNIIP IT S153 00- Transactions i 1.1,118 'AST D-LE =FE Fr )0 ? 04 AN C aTi",_ Or 1E VSvr3ER --EE S59LZO 4 041JL O'?EH_f-nl:1-_EJU-04.2JJ9 139.30 JrKle- t? ma pevau y ?.lGClasai la you, sane x vA a<yau.Annual P rcVnta .Kates (K'ft:) have been incensed so-- your account was Fist d e twk;e ur nhe past 12 bdig cysts. k vau rates love alead' irh4 ears.--d, sub;aqtjiwl Jch Y44i .it?,s cxt<nied the d?ratui of the natesed rates. Rauember: it we receP.,e;voif mnmum morltt& payment on urtw for 12 corseouWeLx" cycles, t w- account will Le -wiew! A for a f-stie reb, n b ycur rbn-rnl?aix:b'y APR. Y jr ac juiA fns game ooer its cre3i lint t? waid adloral >t-rkml. fees, you slxuld pay ,i re than L`r_ ;v?rwmum Paynent. Please pay enough bbring your wooLint bakm_e below your cedll limit imme33tey, and ma6'e sure your alcount balance remains below your c L% knit 1kease oe sure the amount you fay aacounls for any tutor. purchase;, fees, a-d tNarm au ges. Yo.; ware assessed a past due fee Wca••.se y;ur rnirwnum payment was riot r ece ved by Lne due date. I a r.sJ this fee in the future, we reavnme,d that you glow at least / txriness days fa vow wwn ri payment a reams Cmtal One Y'JUK 31LIr IC G Y J E AND DUE LA I E %1'- ',;,1A[ KA K'_ I hanks f-, letting is -:nov ycu moved_ Since your zQ has --aged yon Dhrg cyae wig now ehd on the 51h a; tr morit h. ?,s a result, yoar due date will *D charge. PLLPI,E RETURN PORTION BELOW wnHVAYNINI OR LOU ON 10 WVAV.CAW1AL0NE.CJM 10 MAKE YOUR PAYN&Nl ONLINE. 1 5178057290437677 04 3803100153000675000 Account Number. 5176-0572-9043-7677 Due Ddte New Balance Minimum Payment Amount Enclosed Jul. 29, 2009 $3,303.10 5675.00 PLEAJ_ PAY AT LU,+>T THISAbIIMNT #901860758160909911 JOHN WIMBROUGH 1913 BALPWIN CT 8233855 nECHANICSBURG, P4 1055-6239 1.11 1111. 1 111".111 11 11 1" 11u111111 111111nr1111"111111.1 Lend a hand. Save the land. Manage your account online today- its fast, easy and secure. Pea orlirr yl non -•;e . uc _no.'- ta,ips c is::c•. Q 11mmg7 C- ,f,, y-, add-, -1-- n- the hack. 9 lMlp save 14,• pla-t-LC paprrreas w . Srqn '?Y%at w,vw-can; i.,lort cc m. Capital One Bank (LISA), N-)11- P 0. Box 710&3 Charlotte, NC 2x272-1083 NIIIP•lll••Ilhl•h•IdPHH••Ilnh••ll•I.1II•ll"111hOd•hd Please make checks payable to Capital One Bank (USA, NA. and mail with this coupon in the enclosed envelope. JOHN WIMBROLIGH a)I JI 1 Flow to Avoid a Fihaux Cha ge. Crate Period. You will have a minimum grate Period of a 25 Jays wiltnW f.-- Ch-j. or new Purchases, Rely balanx transfes. new xpe.ial purctlaxes ad new -Cher crarges I you pay your Ufal'New salanoe', n x'YXC$rlte rvN1 LW Irnoonall rNPUGC Ix payfrR111x beMV, and in time for n to be rMied by your payment sue date. llsve ix Il0 q ace periW a1 cash advalprx ad special transfers- In aw0j." there is no cV.e penal oni any tamsx(lol a vuu do : pit pay the Mal Nero BaWre." Aba-v Fnance Charge, Tie-1.1s yAxch are not subject to a g'xe Mixl ale asxesxed finance chage 1) from Cue dale of Ine Iransacl.n or L) tom the data the Lralsad"I ra PI0. W1 to y- Account or 3) i on the h ,1 ale intar Jay of ire _.-f silflrg p 'W. AJJitionalN, d you dal not pay tf e 14 rv Bal-e' hoe the pevias biang periled in full, finer to drafges octntr'nae to dtc aE to you; wried Pdlaiwe until Ine u paid List e a Pant n fut. Tix reds rs Lh-A ya.: rev siiU Wye fires Ke C!ha Jr,, an (you pay the enure Nevv 3alalhce rrrdpa?W m the had of Yen skMrr?d oY ? payme+d due dens. but dId nor JO so for the prvpus math. 'Jnp.ha ulna ice ranges ae WOW I. true a?i wsole'segrrleY of YOU, AC=-& c lyll r Finance Charge Fo eaYl bilUlg penoi d IJ W your -out s su v1W to a hra Fecn W, a rmirrum total FINANCE DF WROE of TOW Mil to imposed. J. Tenhpofafy Reduction M Fii Chalgea. We reserve J. rgld W 11:A arses a ry i all F-" shoes fiv ary ghvel bdltrg pertrod- 2. Average Daly Balance (tridudig New pwchases). FNatlte Crarge 13 calculated by, muaipMng the dairy bath(. of each seg'IYIY x you a count ,e.g., case advamc.. purchase, xp-4 uranYef, and spei'ial purchase) by the cuTespaxMny daily W Wfc ?at*s) that has Dee I previously Lo you At Ule eui of each day Jurilg Lt. billing rW, we apply the nay oermsc rate for ea_tn segne Y of you accoaua to Us day balar r sf eail segme,t Irian at Uhe elm d the billing period we add lap the results of Urge daily c.Lulali- to at I we A your perbdit fhatlca c:'a:¢+for each segmnt. W e aW up the n?SOILS from each segmeln to aTNr at Vle total p.frwc nail-. i hanq+ for y...... ount. To get Lt r Ja#y 4alahce for each xegmert of pas acNxrL our We the bep-9 talalrce fa sails sagmnf antl au i any -sees transxtinvs ad any perlo fxrarlcecharge calc.dAw pr Vie;ievious Jay`, id-e fo Uri segrrnt We U.. suoll.ct a:ry paymefs o reads palled as d teat Jay that are all-led to lhal segment This owes us tile- separate Dally Paiar ce lot exll -7-M of your xroxY. Howeye', U you paid ine New Balance snit vll oh you, pi"_ sta[EYrte-Y tit lad (Or N Y_rrew baance was Zero S a C'eJN dIIlYJ1A), rler'I Uahsxt1011S, W)" post to you pu'_taxe P- doe ial pfthase segments are not added to irhe daily oalances. We -lwwe line average ibry balance by ar'kilg all the say balk tloex lc,jet-, and dwilalg Ule sun by Ute aurae ?f the Jaysnlr erYbNligcycle. To lculteyox total Insults chage, mu" your average Jaiy balarwe by the Andy periodic rate law by the ruxrbe of lays n the puling peril. Pte to ro ndini on a 1.W bases p M. to nalrrlurh finan_e drarge assessment, area may Le, a vanarlce L141-I Cdr cakWA-L and the a'lput o dita'AY =h.,ge acWafy --ad . Changing Address? 5 Amuaf Perce(ANe Rates (APR). a. The Mn "Annual :r1-rtjW Rale' may appear as 'APR on Ue fray Of t:'ie slateme'Y b. N the room P (Qualtety Pntrhe). '_ (Uuanery LWQR) t: 'Cuxtie y CD), or S 9ani c.,d Prime) appears on the fad .4 M. StAiime,'t n" 10 "W"I" rates and-rexpardrg ANNUAL PERDCNTACL RATES may vary quarte'W aril may 111oease or Decrease based of the stated l'xb--, as fWW in Th. Wall Sli-_ l Journal. A. t'le margin p -av dts lJSed to you. These charges wd be ell live on We flnl day of your tnlfry perod (wend by your penodic >werent ending in U. morffs o Jarl.ary.,%Y. II. July a'd OcLuuyr. c. tt Uha code D (hbtf W Prrmel. F thnorrih y !JBOR), Or 3 (f r.asary LIF3!Xij aWears aft the 1-ot d you' SlahenNht net to Ure penudc rate(s). I— -.d rates .,J torraspordeg ANVIdAL twRCtN I Ant RAf _S may vary RFnthy ad may hn:rease or decrease based on lee staled inch-, as farad in The Wall >T?H Jour al, of. the vrlarw prevnnr..ly Jr l_A to you. fYlese ctlavges emN r eNfCClw2 dl u're fist day } yam'JIIIig piW eatll Tprllll. 4. AsieldrtNllA of Late, kNv lnd &.U Retuned Payment Fees, udder the terms of your cusMlmar agreement, we reserve the nghl to waive o not to mess any fees ycnout pix notlfpabll to Yw wfClou wawklg our rgril to assess tta same or srlYlar lees at a later time. s. MwOwshp Fee and Renewing You Kcount. N a menbe'shID fee appears on 11M satenent, we wld credit the fee d you request io J- your accouA within 3V d YS _Y the maiing of the staleme,* You may cdtirJ to Jse U. aRPUq dung the .X) day periorJ befoe your request If you do not pay all charges ay.:d al ttis acrourd ton's o 5J days. o it Y. use you, ?-_x =ant y attend after you req-l Iv (lase. alhy'rKrr'oershio err pi-iouxly waived may dr r_W ted to your accoulL J. U W-9 or su,4-*.9 You, Att You nay equest sat your --1 by cksE1 uy calirg o wring Our Custorrher Relations Ll,-brerhl. At the Oahe d your ryuexl .w will provide you w V, addNimal JeWis aft closing Your accede. This : ray nn:lWe Pay[TW9 Nformatial N you use your r. em card o -v?3es -t to your -ount after you ask us to dose your account -Can keep you ax-It open Jr report it We may close a suxpaW your at:wd all your rico to -Marl Creed. We may m this a any ume and for any , easorL weir d you are ." t r Maui A s.pe noon pit you, w' A can rue penrene x a ten-aiY_ II your account is CAJFed Or 9'J'p-Led Y W met SUP uSrg Yuur C: eda Card and a__=iu t You must also cancel all p?eaautllonzed biMg arfagarrerYS to I,Ta a .Ju IL we will nor dP tits for you. n lv. close or cernarher[ly 3.perxd your xr>uY, Y. must also destroy all Credd cads aW a-,[ -- checks. You aunt MA pay .U wrlou is you law us aft V. -nt. even d they hyere Barged sitar, you, ac_ l is closes or susp'.rded T. MW.V Payments. Paymherfs you mad to us 1 11 oe c efted to your xc'ourd as _4 tine Jushrlesx day ore ve t pwided I) - lend Ure L02, m oo!tidl W L'Iis stale!rhert ad your (nett n me.rc7VStlp r:Yrlltape erweupe and (2) vw' payment n xceived hr tar u-ing center by 3prn ET )12nxn 1 n. ?Nase allow .1 kast 1-(,)bush ss clays for F.-W Jeliyery. ?ayrtr+YS ::=-rived by y at any othe- 1-0- or n any one, Ions may not be ? iXvJ as of t11e day rte rY:ewe Ulem :)u' Oilxrlexs days are Mandy Mrtxrgh 8.4-day, .rcludrlg T^aJays_ Address.. Home Phone. -. .._ _._.... .... Alternate Phone ...................... 8233855 t - matI Addlress._..... ...... .............._........_._...._..............._.... -Pease print add,css or pho-c ^unnoe changes abate using b uc sr h'3ck ink. d. Notice AlotA Eledino rc Chei Cmvenion. W heel you pr-'i, a -heck as payrnelt you m[itui- to either to use Wonnaft. (-your check to make a are-tine electronp kind tranter from you depo" account or to pixrss I- paymet as a ctwM trairstion. Woes, 4ve use info,-tlon from your deed( to "L a an of-Voric fund U-aler,(u,Z mytie wttvdawrn ComyourdelposY xcouY as soon as Ure same Jey vve receive You PsYmtvll. and You Will lot yNe your;_ Dac",um, your Nhahcol iinulutlol. YDW audgrlZal-rl is mat krlited Loy the Dale on tins ct-K We ,sty ,contest and ekclto-ly lvUeet Ietultrea p Y_Ao. '3. BaniMocy. N you are eM• ed is benkAVLy PnoWtnms to you a- *, tints Cowruwailm in only lot v lonrwito:al pupcses_ n k not at alli to collect assess or r cover a Debt u clam. Da tut s.rd -•ry payrralYS tliedty to Is wal-A speaking iv*. you wMoupcy atIwW or Ure r3a.W,upt y r;.cvt r you-4 to cairn us soon your acarulf or y+otlr bark AALyr proceeding, please hay. your ad,- C.otact rs. r81W raC Rf,3NTS Sl- P&YhRY ;In i .. of =has o ru,esyga about Your Blil a you Ittnc your oil k wramg., o r you need mot. information on a Ua1SacWl or bill, mertJ us tall a sepaate sheet as sour as poesiWe al Lrre mkt- kr inquiries sheer on tithe front of Uric stalenlerl- We mYxt flea hotel-110 Later Marl tU days anef lye Self yW me li bur om .Ndch the end or p'Oblerl appeared. You cal -all our C nL`rnr Relatols IxmJr or hilly us by enad o wet ite. ou cbtg so.virml preserve your right,. In your lever. gwe us Ine fodavyrg inlommion: your name and ao1 nulbeh. Vie Qdar aTlolaY Q the WAPOM 1 vu r, d Jescrlpluon d Its em:' and an elcolar anion, if possdde, a eVy you Lehi there b a h ewru:, x a You ,j rare rdomauvi a LiescnOtOn Of Ine ke yOJ are unure atoll You do nil have to pay any arpuA in quesliol wide we a-e Nwexlgalng it. out you are All -bltgaed to pey due pats of your till lnat are nol in ryaesuxt. While rw Ill asbipde, Y" question, le cannel report you as Mir q-A, W, any .bill to C.Wd tl'C aroud YOJ quesn-rt. '.- Sy_clal Role for Crew ::ad Pudlases N you lave a potW3n wCh U. quality of p:'ouetty a se once I'al voJ pur_tased with a credil owJ and you days it" in WW tarn ru cared fr. podeni vM the Trer-C you may have the roll » to Pay she remaining arlnur. 1. pit trhe p-ty or s.rvrtes. You'uve Uar proe onion afy lyh.n tla pun rtasa p re rue than T50.OD ao the purchaase-was Cadein you 'erne stale Or ew I W rn11. d your m'aMrg address. ;U our von or opaxe the rife -4 ru a we moiled you V. . 1yemsem 4 for Ure pr-p" or services, .A purdrases are covered regardless of smut- location W purchase.; 11i- ememuer to s'yi all Cd Wonderlce. l Does 'kFy :p JJ!^Y.,SS acraa'1s Capital one 4wta W.-rrrtiotl wi-Y Vote Yiolr `;K w lYebWe at'Wyiy.c pj3_. m ccQM (;W" Vne s a fedaaM rrynwaed serrpe malt of :;spiel title Financnal Corpxahon. Wf'lgtfs -J_ C, ZOJB Capita Cite lc_ k& OIUr?ft)aS- t -03r"M Not quite ready to make payments online? No problem. Follow these simple steps to make sure w we process your payments smoothly: Don't staple or paper clip your check to the payment Op • Be sure to use the payment envelope that came with your n statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. Last but mat least, be sure to write your 1 f>-digit account number on your check. ? TAKE CONTROL OF YOUR CAPITAL ONE2' ACCOUNT AND KEEP IT FROM BEING what's in your wallet? PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. 500011 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date i $3,747.54 I 815300 +1 $7156 1,? $137.00 -? $3,803.10 l' $67. 00 ' Jul. 29, 2009 Jun. 05, 2009 - Jul. 04, 2009 Page 1 of 1 - re's-.. ^.r?sr_HSrlarrn MasterCard Platin urn Account You': nd by b-f pavm nls Pat you un All I Jrq yu r aa:amI nxrrrt =y xryarn r• rn;nimu n 51TO-W2-90417677 a- payment naint ai ;?jr statemer-it r.l help 7 Gip-us a cal, at 1 51-45D ilil ,. ',heN vd?r ?t7awiter to Your Account Information find e scuba. 01 AL.CREDII Ut*- 53,"1 0.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CAST I $3,250.00 AVAILABLE CREDIT FORC;ASl1 $0.00 r Finance Charges (Please see rt»ryse for rnpxLut inibirnalion) alarxerate fe,*Jd Correspooi*Kj FINANCE aFx>lied lu rate APR CHARGE 'u'crases 3433.76 O. 6342ro D 23.150 %65.261 Cash Sl7L3i JtD5342%D 23.15% S521? ANNUAL PERCENTAGE RATE applied this period: 23.151/6 Q At Your Service .%>to-r:::Watne.unn b iwkWyw-L •x Cal 1-:300-03-3631 to retw a bet x stAwcaA x sv* b Ojsb r R-.kirxn Pay Online 3 -caalatxe mm -1 you pay--A b. G?iat Oro Banc (USA), NA • r'.0. 3:x i 1033 • purbtle, `IC v;T2-1733 e Send Inquiries to: C. dA Jae '.0. Lba 31295 • Sad tae cry Ul 8,41 0DA6 Have a question about a charge on your stahnnerrl? h'kesY rsfer to the t341M Rights S;mnnary on t e bad: of your siatvnenl ur visit www caoil-abae.curJdisputes Payments, Credits & Adjustments 1 29 JLXd DIRECT DEBIT PAYMP IT Transactions 2 29 J-91 PAST D JE FEE 3 04 JUL CAPITAL OrIE MEI&ER FEE 4 04 AL IJNLR_Irvl l 1-EE JU'_ 04, L ti1S3 J9- ;9 JD ?59.0J `133 JJ Urxkr terra prevbusfy dsdosed to you, sxne or al of your Annual PwcenLW; Pates (A'Kaj i it tor.•en increased sip yo.s account was Past due twice in the Pasl 12 billn9 ycles. Ityou rates have Aeady ixreised, subseq-,erl dei iquerxde extcrYded t? duatrui c1 L`te xxr wed rates. Rcmz.;t.:r? If w= recewe your mhmun nont * payment on brae for 12 xnszcutn?e billing ycies, the au.ornt will Lie -Anted for a possble retun to your I bi-Intrxlx:toy APR. Your acaut has gore ewer its credit land. To avoid xUlwrcal ovcrlnnrt fed -, you s,-"Ad xy ?)vo e tro the Fvlrwnun Payrnerlt Pleeirse pay enougn to bring you aoooant baWnce below vow Cwt Irnrt enmedaley, and inalR we yogi amount oebrx° re-nairEs below you aedil frill- Pb'ase b~ sir e i iQ irnwt you pay a.^counts for arw future p rchases. F?-s.. and tmyx; derge$. You were assessed a past due fee becaise you mranun payment was nol re_eNed by Li,- dJe dale. fo avoid the fee i1 the Male, we reoornrrericl oral you allow at least . bsiress ciiys far y yr nwwnun par-nent to reach Capital One. YXR EWILIF113 CYCLE ACID DUE -DA[L ARL C>jAr N31i 13. T hanks for left ng uS snow you mzo:-j Svr2 your zip co* tes charged, your brln3 cycle will rrow end m the 5th of Cle mart`,- y lit, your dae dale will also daage. PLLASL RETURN RORTION BELOW WNN PAYNENI OR LOG ON TO "AV.CAP1l AlANE.COM 10 MAKL YOUR RAYMLNI ONUM. 1 5178057290437677 04 38031DO153DO0675000 4C7pf Account Number- 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Jul. 29, 2009 $3,803.10 5675.00 ?LLASE PAY AT LEAST rHK AIMOUN r #9018607581609099# JOHN WInBROUGH 1913 BALDWIN CT 8233855 MECHANICSBURG, PA 17055-6239 LrrIILrJNrrrrJ,L,LI.,IlrrrrLlrrllJrlrrrrdllrrlldrJd Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure- Pay orlinc a"ry trurc--n _ crc u,?- s slar•.;:5 c -... 0 Moving? Cn? igc -r, eddies nnl,nc r,, n;, •h?• h:?:.:; ® Help save the plnnr'.?? paperlNSS. © Sign up w.,vw c u !alnrc Capital One Bank (USA,, N"A- P.O. Bor. 7LO63 Charlotte, NC 28272-1083 Ill -11111-11 -hill ". - 11111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in ;he enclosed envelope. JOHN WIMBROUGH al .H 1. HM to Avoid a Frances Change. a. Grace Period. You will rave a mii irum grace period of 25 Jays warlat finance charge d1 new purchases, nr, v balance bansfes. new speial purchases adnew a-net charges it you pay - total 'New Balance ', to -oIcIN KE with f.•le lrrpoart Notice IV paynnallti, tielow, aid in drive for a to be credited ly your payment Jae date. There is no grace pe tsd on cash aclv.- anJ 3peCial trare ler3. In addition, 11- is no grace l o0 on any Vdlrsa:tlal a You W not pay the Mal New Dakr v.e:' u. A-MV Ratite Chal)e. Inansactlal3 which are nut ' subject b a grace pc ixl ere assessed frrarlce charge 1) from Ile dale o the trarlsacliorl a 2) Iran me doe tree lfarsaCUJ!1Wpf?': C'se]lovWf AGCWi%Or 3)follt Lhe rlA calendar Jay of to r menu U MV period- AdMiNnaly, a you d d na xy die'ygew "One• from Yte previous IA" oerind n full. finance drags continue, to accrue to your unpw paaxe urat Ile upad Dawn. Is Pad I. fall.^ris nled rs dill Y. tray stn awe fe0 ctlags, 2v en t ypu pay the mire New Baarce indicated on the front of year 31alerrerrt ay the payment due dame. Nut did not do so for doe Nevlpua mom. Ulpad lnance charges are added to Lhe awacabfe sagnent of your ACput Minimum Finance Charge Forsdi biMng period drat your -0 133ub)CettoafalaCCChage.amuoum total F114M CE CHARGE of M 50 will be imposed. j J. rents-ly Reduction n Fiance Charges. We reserve the rght to nA assess a'y a am fill sxe chat ges to, ary given Dtkng percld. ail 2. Average Daily Balance (Including; New purchases). -mr- charge rs .1ccated Dy n.M*ng the daffy pawn's ut exn sag--A a you -.1 "'e.g., cash _e. pint cse, special transfer, a I special pur,-rase) try the arrrspvdiny daily periodic rate(s) drat Ilm been Freviousty dioclosed to you. At tale end of exh day du=ng IW bang oerrid, we apply Ine day peloon rate for each oeyne t of loan wawa W the daily baatxe of earn segrlleN. I I., at inns end d the billing; period, we add up I. twang d thse dairy, cakva9ws b arrive A your periodic Aa;xe Marge for earn sejrlent. We add up die -uts(ronl each Seyret%to a: riv at the Mal pergdlc floanY anarge nor your xc:.•uM. To gel U. daily baaxe fx aaeh seyrrent of ypu _11, we take the beganulg taance for each sea ent and add any new tramacfials and any peiniK rrlaxe-hags caicui.Nd pro tine previous .ray's'it-fun trill s2grrert lye then subbad ary, payrre•t3 o credo posted as of that day Vat are albcaleJ to that scwrnert. I's lees s lye separate dally bllan a for exh segmea of your x:pJrlt However, a you paid Ire t•lew Bata Y Srlwnl al your previous SlatenR'Y al fun (a Y you new -lance was taro or a c,.k arrow%), none talsd:done. ,hnn pose to you purchase or specia mxriase segoneds ata not added ro fine daily wilancs. We Calculate the average daily WiNne or addi g aY the daft' '.? L.ka- luyeltler and diving the sum ly the ,arri- of the days it the Turret Will cycle . To calculate you total ;i lulalce clogs, rnsailoly rou average dolt' Ixlanxe Dry Ile -pay Periodic -ale and Dy Ile nuoner a days an 1112 bang Perna. We to tour ".9 on a day basis or due 1o rfMlanuan (in- charge as3essnne ( mere may be a Vadawe Leaves l this pakuadnn a!d the arnout of fna ce cliet ': aCVtaMY assessed. I d. Notice About Elecronc Check CorNenslon. When you Plovite a Ole k - payr _rL you sutra.e qs et- to use iAorrrlaal from you chte(dt b -rides a one-tire electronic fund transfer from your deposit inocunt or to pr-ir tw pay'ne%as a CrWK transacts," When we use intamattorn from your check d rtlake al elecvatc furl Val Ister, talus 'Jury ue wlrgiawl nom your 7-1K19a account as soon M Ile same day we receive your Payment. and you wait not r_ceive your Cnect. bacK Iron you! Ialanclal insttuion You authorization is nil "ed Dy the date on the check We rrlay'2subu4 ad ele:tun scaly cuaeY'-tared .Yrrtrlt5. 9. Battvupity. it you are erYtkd to flan uplcy ?rolxliyls la Yoa account, this co mluT^_aUat Is Nay IN Si V nltlW lag purposes. It Is nil an aaerrpt to cinelt, assns a'eoover a debt o:' claim. Po nut send airy pay- vs d-My to W wdfaut sp-kng will your tlanknptcr adomay or V. Balduptcy Coot it you wall to cNV t M axlut you N-unt N your bank fiery oroceedilg, please have p.- aa-y calla=t 16. 3. Annual percentage Rates (APR) a The him, "Annual percentage RaY• may appear as'•APR' on Ilse front of this i alement. b. Y the code P (Uuaa y Pane). (Quadery LIBOR), C ??uartsry CD). a S'Bar*card Prial apps mthe fall N this itaterna t next to Iw ewwchc ram(s), the pariod' rates and corresponding ANRJAL PMOENTAGE RATES may vary quart" and may increase or decrease -i_M err i ne Aaed ridices, as found an The Wall Sheet Jwuna. plus be rnargrl prevnusy disclosed to you These chat's will ce e(fedrve on tlers5t Jay of your bag period covered W your periodic slakrnert ending in ale months d January, Apra. July and October. c. If the code D ¢.1o%Ity Prune), F .TAathy LIBOR), N G Treasury LIBOR) appears on it* inert of your statemert lied to the periodic rate(s), U. periodic rates and corresponding ANYUAL PERCENTAGE RAI ES trey vary monthy, ad may increase V decrease based on the sated i dr_s, as found in The Was Street Jollrnat, plums the noggin prevdusly disclosed 1. you These cflargs will Ge effective at L'e fast day or your to ft period eac!I nY111t I. 4. Assessuer% of Late, (Nerlarl and Returned lsay t=ent Fees. Under the lerlm of ypu aabmer agreement, we fe3M•e tit ngh110 wbve a net to assess any (Bee warn"' assess prior n (ilkatiorl to you woRnot waving our right to the same or sanaar fees at a amt Me. 5. Membership Fee and Re newalg Your Account. Y a merrlbeship fee appears on dts saamet, we will osier the fee Of ypu r-ue%to close your accout wild n 30 days a the mailing of this slaement You rruy, continue to use lire _Nall dung the J0 day Penod baits your request. If you do not pay an charges i on tris acmun with in 90 days, or if you use your c-edtt Ord or account atleryou request to ckse, any namiliershin tee INeviousy waited mly be remlaled to your account v. Cgsng Of Suspending You AVCMk You nay, lequest that your wcout De dosed by calling o vrki g our Customer Relation Department- At the urn a your re""a. we win Preside you wall additional details on dosing your account. This may arcade payrtle% YYarrullort a you use you:- tteda card a charges poet to your xCount after you ask us to cl- you attou* we can keep your account open or reopen it We rrBy close or suspend your scout and •you rgnt to obasl credo- We tray m [rats at any time and IN- ary nasal, even Y you me, 0 n dean. A sure-sial d you account can the Permanent a terrnorary. If your attourt is closed or susperndd. you mat stop ussg you cedt card and account You mutt also cancel all preaWlcriz d -Inge arragarrets to the account, We wallawl do the fo You a we close or pc. ualerny _Pend you "tout, you rrust also destroy aY credit cards and "mud access cnleck You trust so pay al N-Os you woe u3 on the accout. eyell t If" were charged after you -Nuns s closed a sweaxled. 7. Maldlg Pay-la. payrnelYS you mail b lla will We c'e 11-1 to Your .-it as of l l brsi@Sa ary we receve It. provided ,1) you send Ile WOtorn portion of Yli3 Satennet and your crie, On the enclosed iernaaxe envelope and (e) your payments received rn our processing center toy 3Nn ET (1211ion PI). Please allow at li five (5) dsitnss Wt's rx postal dt*, ry. Payinerts received by us at any othe' location or sit any other Imn may not be cradlted as of Ire day we receive them. Our buraless days are P,lalday It~ Saturday, excluding holidays Changing Address? Address__. Home Phone Alternate Phone....... ......... _........ .... 8233855 E-mail ._.........__.........._............_... Address__........ .._...._ .......... ......... Prase p'rit add,ms er ohore numbe, changes above using blue or back ink. +t3Y1JNCi RIOI-ITS SUNWIARY (Ill Case a I=-a UIle3L01R about Your 601t I you it.* your bill's swag, a it You •rl'd -re iYa:'natlan rill at Vasaux, n a Lill, tit trio us on a s"Ne Snell as s-I ffi possible at Is address [a inquiries aidwn o-1 Ce rro V o ale slatemet We rnarat flea fro nn you nu lafter dial tjv lays slier we set you tree first b7 on winch ne error o p'obk n appeared. YOU can call our Cbtane! teations rno'nJer O notary us Lty errlaa x websae, Sul cbig So rill not rresu v- ypur rights. In your letter. give w Rte f-47" wit-istion your n_ aul a our % Ixsrber. Vie dular err 1 of die suspected -x, a descnpliol d Ve error and an ex-lanalirl, K pcssOle, of vd y Ywr-iiea d'ME its a' r_.., It you ieed-e X4"nabPta de nrpdrol of Ire Rem You are anus about- You dp nol'ave I. pay any .roam n quW nm whine we a e slveAgaug 9. put you are $40 oblgaled lo Pay the pats of your bill nat are not in quest-n. Where we.-Il ato Your question, we can, 1_4 repot you as delinquent o hill. any ac1x n b lolled th, it rou question t Special Rule fit -- reds f,'aW P.rct- a you nave a Pr--- yual ly Y p'olerN a ate v nat you puctasel win a c -M car] ant you I-, Vied m good aan to correct it. pvtNerni wort ane'ller? gn0. ypu nay nave ale right not to pay the renastrg amour t Jue an the p-ty or ;eyiCe3. You have has praNlal illy wvrl2n ae puCtiase price .vas more than Y50.'JO ad thin purchase was -tour n Your nornle gate or warm 100 Tiles of your rns" addfesa, ;K we e.,.r1 a operas the airs ?'nant a awe nWed lot tnr adverleerrent for Ins properly or services, am to.M ss are c -J,egardlesa of aRV% or bcatal a pur"ae.):Ole6ie 'er-tler to 34, aY cprrspalJerxe. Capital one supporb itarrlAiln prrvacy pnaeuln. see pro wetisde at .Mwv_capaalorrt_c-m Cop" pre is a f2deally reyst red seryrce nia K !A :;ap%:sl :,112 Fin-W Corpaalion. All'glnb -d 1 2:108 i c:rJ b1nr,+rlx?- t -usrzo+xl 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 .he payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could de fay process;ng. • Please don't include any additional correspondence. • Lust but not least, be sure to write your 16-digit acco Irt number on your check. 500012 CiII'""what's in your wallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1,800.955.6600, FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,80310 ( $O 00 * ! $78.15 }? $78.00 -? S3,959.25 I $836.00 Aug. 31, 2009 Jul. 05, 2009 - Aug. 05, 2009 Page 1 of 1 / MasterCard Platinum Account 1 ????re r?°hlrld DV fl.%°plyln Yll. II ',.n ri r,? ".fUJ91 y JO'h ilrl'W `Tl?i ?'^I' 1V'j ?+t kJr1 ,'r fr Y -111 k']r_I°d 517841572-9043-7677 off Plea,- zLn t let this ha Knit. If } he Ii ,a ctigwtrlm d ;311 rc k 1 pp ?;? __a7 ._ II w_ "wltn V- A I I f mil to ?e3olve t16 matte . h ce- ur un otmah-n IOTAL.CREDII LJNE $3,250-00 TOTAL. AVAILABLE CREDIT $0.00 CREDIT UNE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASH $0.00 (Finance Charges (Please ee tev ,l ;e for rnportart iriormatnn) Balance rate Periodic CorresponJinj FINANCE applied to late APF? CHARGE 'rcnases 3, 7.41 0.03342. D 231510 5; 240 -ash 1233.38 0.42% D 23.151 35751 ANNUAL PERCENTAGE RATE applied this period: 23.15-1 ) At Yew Service - uu to +nwr.cmial ie- b,-p" _c Q 7 Cal I-j00.3'133637 b rai a bst a sbbn cad 7 speak b Cwkrrrar 3rkty ® Pay Online l vmw wodaUre-win w nwl yu pwmit b. 04AW One 3a'tk (J3h), N.A • P.O. Bon 710'13 - aWWtt. 10 2"272-10S3 ® Send Inquiries to: Uaaiel C)r- ' 0 ibx 90285 • Sal Lake Cif UT 8, 4111T236 ® Nave a question abort a charge on your statement? h'ka;e refer to the Bllfy Rights Summary on the bad; of your stalanenl X visit www.rauilab?le:"rnt/isvies Payments, Credits & Adjustments Transactions f zjJll_ PAST G'JL FEE 2 05 AUG O.'ER'JIVrT SEE AJG :0 2?J9 S3? 30 A& terns pevoosly.i?;IosEJ to vuu, some a Aof your ,tcir lPecelta,k 8,31 have bevel e -eased sin,x your account was Past due twice In the rx-sl 12 biMq _ycles. It r?ur'5i2 have 31r inxseased, st/xea.tenl'Jelux»rr;iea extetxi"d L'e duatim of ttre irn,:rxrs?; rates. Penwn:?r. If w= •eceive y3ur minrnum monthly payment DO 6me for 12 xnsevtive o;*Og ?'y',ae. t,5 ac_:u it will t,e •eviewed for a posst4e return to Yox r.bn-Introllcto y A!` R. lbx ac,oint Iran gone we, its oeil FmiL fJ avuld aUlmral ewer6nit lee;, you >I rXid Nan'nu r 4. rNr tre tvlinimum PaYrrw t Please Day enaxyn bbin0 you arzxxrll belay Dclrwr yoin reJ11 limit immedatey, and make sure your a=unt batarce reman3 Wow you- cedit limit. Please 7e are tie anourd yw [my au;ounls for ary fu(ue ru'chaxs, fEC;, aid fylai- Ct Jl ,. You were assessed a past due fee Seca-be your inurnu i oaymenl was rloi ie?4R -J :N LIe Jut date. To avoid ft's fee in the future, we reoomma-)J t`ot vcIj allow at bast' Dur,4)s,.Ys fx a;r-"mom payment In leapt Capital One_ PLLASL RETURN PORTION BELOW wlrH P/\VN*NI OR LOG ON 10 VVVAV.CAPFTALONE.L;JM IO NIAKL YWR PAYNILNI ONLINE. Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Aug. 31, 2009 I $3,959.25 S836.00 PLEASE PAY AT LEAST IHISA%"JNT 1 5178057290437677 05 3959250153000836001 11902180758160909011 JOHN WIHBROUGH 1913 BALPWIN CT 8233855 MECHANICSBURG, PA 17055-6239 PIII•IIIIII•IPuh11111JP1.1111.111.11hlhll•ulhlhh•tl Lend a hand. Save the land. Manage your account online today- its fast, easy and secure. 0 Pay or Gnc qL 1r? - c,r. cr.. .. ....r.u? or ?h: . -... © Moving' Cn :??rc Your ?ddre=? en Inc rr cn rh?h:3ck Q Hipp - th., planet-(,:I pap,•rlet> 0 Sig cp ar --1 .?aurt y.rnr....n Capit,al One Bank (OSA), N-.4. P.D. Box 71063 Charlotte, NC 26272-1083 1111111•III•'III11-11'1111114.-11111•-IL1,1II•N'•IIh1111.1111 Please make checks payabit to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JOHN WIMBROUGH J? 1. Flow to AYM a France Charge. a Grace Period. You will have a mninlum grace period or 25 days wiMt franc. charge - new purchases, revs bak- Qansfes, new special purchase. aid new arer charges it you pay your tolal'Neiv Balance', in -ordance wM the frill l A Nouce for paymerns Debvv, and in Iine, for N to Ie credled try your payrrenl due date. It- s ro grace period at cash advances and special trarl9r- in akknKxl, there Is no grace pario0 on any transaction 4 you do not pay the total 1Jew 3A..e." b. Acrnrng Fearlce Charge. Transactions wttich are not subject U a grace period we assessed fiance charge 1) Iran I:* dale d the transact- a t) t-om tree dale the lra swim) s processed to your Accoo,d d 3) tb'n the nrst caerndar day of the cu-l bNlhy period. Additionally, p you J d ; W Pey the 'New Balance' from the pfevkxy Ldhnq period in full, finance charges cduinute to accrue to your w4.W oalaxe a to the will Dala)ce s paid kl falL This runs is that you fray SUN eve ftlahce char ges, wen it you pay the entire l Balance indicated dh the mall of your statement by the paynert due dale. old did M JO -tor- the P-1031 111.1411. Unpaid ithallde charges tie added to It. applicable segment of your Aswan. c Klink- Fmerite Charge. For each billing pwW chat your .scout s subject I. a I.,--charge, it 11wt11arn total -114AI CE CH4RGE a ilD 50 will toe atpos 1 d. temporary fdeduclan in Fn"" Charges. We reserve the night L not aY-.'ly -a all hrai k-range; to any given piling period. 2. Areraye Daily Barrie (InA.MV New ruchases). Fnre're canoe Is cat tauw or muitil the daily [.burls. ul each -9-t a your att 4 (e.g.. Casa .dva)Ce_ P-h-, spedai transfer, and special Pancras.) by the a,Tespr ding daily W .V. rate:,,) Unit has berm rxev way uteclo-d to you. At t e end of each day Wiry IV Ittley period, ve a" Ire day periodic fee IV each -gr et if yen --,I to the daily balance of each seg-,L I then at the end of the diary period, we add up tae les,IN3.'these dairy caiou Aoi. to arrive at your penodr fiance:harge for each segfrretY. We all up the -.sups farm each wonder to a1lve at Vie MI Perbdc France dlange for your account. To get Ue daily hall fx each -gr-rt of you account. we lake the beilin-V balance for lath segnelt and a:Yd any ;telly tan9acdG a d any P.Iodid Uniance ct-q. calculated 141 the previous Jay's tula - fa Uol segment. We then ..bbd any pay-to o' -Jilts posted .-A that day that are alln-led a, that Ygmet This gives riot are seWale dairy ba&n.e for -th segmen or yew account. Raveve•, N you paid the r'k11 Balance shUVll dl y0a Prev- sI97M1et rl tot (O! t vour new aiawe was zero or a credll an aunt), new L ansa.'Uas, whK:n pot to your purchase o• special puncre9e-yrnY4a -not added ID U* daily oalarx.. W> calatate the average daily balance by .00.v all the dal. L,"- tugelhrr and dividing tie sun by the numter k4 IV ddavs I.I the current balky cycle. To calculate you local tmahlx chage, .nlNlpfy you average day bar)ice W Idle art periodic ML- and Dy Ire amber x days in the billing Period. (due to rwi*q ah a dally basis d clue to mwlnuml finance a arge assessro 1, a- may be a van- )tots eakUatron and to .nowt of finance charge octuaN aaaess•V. Changing Address? 3. Ari nal Percentage Rates (PPR} a The term "Annual Percentage Rate" may appear as 'APR o It frauotereWal l -& D. N the code P (cyartery Prime), (Quarlelly iJBC>vti, r: !'Juarrery CD), or 5 Sankcard Prime) appears at It* ran of this statement next tote perwk rate(s), to peaodlc rot. and ca esponding ANN,ML PERCENTACC RAT=S .nary vary quartrry and may increase or decrease based on the staled krdiom as louts n The Wall StrM Journal. pss to r", previously d6.bcerl to you These chages trill be of eetwe at the first day c your biting period covaretl by your periodic slalen'ent ending in the m 0hill a January. Apra July and [MCOer. c. If the code D Q.bVYy Prise), F TAarthy LIBOR), or 3 (Treasury LIBOR) appears on the Dart d you, St. -A d b the pc iodic ratl the periodic at. ard correspo ting ANNJAL PERCEN I Al- RAI =S nay vary Rurtrly and nnay increase a decrease based On the slated Indices, as found n The Wall Street Journal, plus th1 map, previously *.Wed to you. these changes vial o effective on lie fral day of your Ivi" period ear, -ih 4. Anemmil of Late, Warm[ and RelurMq Payment Fees. Under the terns of yea c slonner agree-nit, we reserve CV .9" 1o waive or not to assns any tees nitnnit prix naM.7icatiat to you wil val our right lu assess the same or mvlw fees at a later lye. 5. WRMIS .ship Fee all Rene" Your rcc A. P a 'e't-hip fee appears - this statenen, we val credit are tee t you request to else your ac,;-A vetiri 30 days x one naffing of Ih6 stallrrent Yw may continue to use ate a Uult dung UW JO day period belore yolt request. If you do nd pay all clang. roved on tns accuut with in 90 days, d a you use your seal aril rx account al you regress In ckye, ary rremrb-hiP fee ptevloushy waived nay be reinstated to vour adddrtt. u. cwm of ti6perd)rig Your ArcouAL Y-Tray'e4ut t Mat your account be closed by ca" d wMMy ou Custatn r RelatiaG Deparanert. At the tine .1 Y,un : ?khesL we will provil you welt additional deLais on dosing your a:corat. This may include Payment i furraeot. t you use your credit card a charges pest to your account .her you ash. :s to close your .mart. vie can keep your accountopen ,.x eol,eh L We may dose or -spend you, acddnt and vour .10to titan creru. We may do tis at any tine and lour any resat, ever tl you tie not urn derauk A sspenswn A your accout, can Depernanert or tennorary. if your account ;s closed.- 1L9pertded, y- -A top ashy you C Bbl Card anJ axolnl You TJdt also cancel all preeudiorized billiy arrarngt Will to the accou,IL We tell IM do tnra IV you. If tie dose or P.-,.tly suspend your account, You musk also des" all credit cads and a-c-M access :-K& You Rust still pay all anOats you aye us on the, axrou t eve, it they were charged after yoar account n dosed or Suspended. T Making Payment.. Pavnrlats you nail b us will be cre(Jtlad to your accwt as a the lousiness day we racer- rL Mwidad ;1) you sell the bolban portiah o/ tits slalcrrert ant ,sou. cbecK n the encased renril erweope and () you payment's received in air ii-sing center by :pin ET (12 node PT). A.- allow 1 kasl five (5) busress days I, Postal delivery. Payments received by - at ay'An ' Ionbt or n any alter norm may riot be.-Coded . N tie day we receive them our Slyness nays are Monday enough Salxday, excludky holidays- .. _. Address Home Phone __. Alternate Phone _ ....... ___........ 8233855 E (nail Address._........__ Fedse print add,-,s, cr ohore numbe, changes above usipg blue cr Lack ink. 8 Notice About Elecirorxc Chalk Cgtwersion. When you porde . Oleak m payrn,,l you e W raise as all to use illfuntralial Iran y'or check la Make a o-4- electronic fund traGter I- y- de_rost .Heard y b Process Ire payrlc t M a aeak ta,hsacuo-1. When vve use iriornaUdn from your che=a to rtlalka an A't.- fall tiansier, funds ray Uewutdatwhf an You; Jepist -A -n- Uie rare day we re^.eNe your P.Y--k -J you 1np:ha resew. yar =, rx wckcurn ran Inan?l;a insinuaal. vox a WtoizariPns ax i•niled dv rte Aare on the c`tv:k YJe nay tsubrY.; W eRiti'xM;apy .ZMrt ;.tared Paymeny_ 9 Banmocy N you as ertted Ie tancuplcy Praeetio•s lor )'our -t. tots CO nnxnl`d1141 a my la Inn: rrati put-es. It's not a, .Herron to -4-, assess or recover a debts :lainl.wras-d ay Pay.„eitsdn_-wtox, wunW speakng with you banir.dcv auorley cur n+e B:trW uitcY (:ouL tl vuu rrari Io :attaCl u5 air ul y:xnr ac_ tit a Your carrvuPby p'oceeJnq. Please 11.4 vrar ato:nevc Aact S. tt3LLtFIG R1GH f5 6,JnaAl ?In Casa a Era6 pr UJesW y abou 1'dxr Bw) If you ldrtk yPU ?1 s wrung. or N you vearl ? re lhia"riagn 141 a trasactoi, a oil, ntnte b as .1 a separ-C meet as sdx;n m p-sstlle at rile adteas for i'tglarle9 91h(1.M J'1 I',P IrJM d Ut9 statemn2 We null lhea Rwrlyou nw later lean FJ days after we seiY you ale rust tip dl tMKh the e,: x Cur :, Jblern appeared. You Can rep our CSt?'-e• Relations mrnxr a redly s W ..nail a -abate, oul dray -will 1114 peserv pro ryrw In your Inter, owe us me foil-9 "to near- your name and account nu nil Ire dol .maul P, the suspekgd err. a d?scriplion d the ?rP• ard an exPlalaln,t. it y ?;ilta, or ,.ny .T,zrr?eve..eaer..,o,ornw ezd.ryer4oirreW,,a description d u K tem Y u are alsxe s.,:x. you uP nx',ave b Pay airy .newt In rrypnoh else vw a e ehve.,bgau g t. at sou are still obligated le pay Ire pals d your bill d13t ate not in gue,u-NTile we 1-tigale; x question. we camel report sou as defrkse,.t s lake a! W acts I to ::PNecl :k sn_ut you qte" trap. SP`- yule Or C'-de C;a d Pxdl- p you have a pruDk+n with tie gekty -4 P'.xx,ly V ;e -es I'al you W- ased if. a credt card add you 'eve tried in gopd Iai'l to correct the prubktn with tie rrerc-wt, y-rav have the ngh1 rot to pay the remaniy .mart due or, ale p-one'ty o .,.*vKes. You have Lrs protect- o W wren pre Pashas. cue as .mole than Y 0000 and U. pu,._h- was -radr in r-; Terre state or wthin I W nres d vodr nanny alwoss. jr ;,•w .,vm or uP .*de mec-L o aour mated you I.w advedser•snt for the popery a services., aY r-ch.- are vend reyardk -s W arrows of IP9.bo, o parks , 'lure --rider to sign at co^esponaence. I -"'" , or aro!j 5 bx-ness ac<n. r.5 Caro l a T.Wts atamatia) 0W-Y pi A, tiv,,. ul -beila al tnyw_ Capit. - C: 11, r aFta One IS a fedwaN egbipA sots x:.:ta k a :; gol:t :)not rnanaa Corpdafon. All rgrts 'vsw,-1 2:08 Caota Ge ICiY3 :I J".1lXY.,o' - t - J3f?b'Rk5 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 co!jW delay orocrssing. • Please don't nclude any additional corre,nondence. ® Last but riot, least, btr sure iu write your 'i U-digit -ourit number on your check. 5000'2 ca'r' % what's in your wallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 83,803.10 -? 80.00 + 1 $78.15 $78.00 $3,959.25 $836.00 1 Aug. 31, 2009 j Jul. 05. 2009 - Aug. 05, 2009 Page 1 of 1 l MasterCard Platinum Account YJU'r_ tr_hind oy five p yrnN ., If yal OJ drr r M Sj o n t5 you a xA Fat rr r -I j x,rg?,d 5176BS7290937177 off Pleabedon't letthis ha pen_ifyalref IrgN-wN m a ,allrvA1'v?r? U ArItwe^:with Your Account Information r,a to -a>olve the nratie. IUTAL CREUIf LINE $3,250.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CAST] $3,250.00 AVAILABLE CREDIT FOR CASH $0.00 1 Finance Charges Rka r sae n xwse Fa important iiformatbn) 3alarce ate P-ok Conespordirg FINANCE I 3Tledto ale APR CHARGE I `?rcr,asee d 7.41 0.01 X342% D 23.15% 572.401 ash X33 Jd J > 342 p D 15% 55]5 ?. ANNUAL PERCENTAGE RATE applied this periort 21151/6 i AI. Your Service - C: b -4otat- b,naraye y- a-rk = aCat 1-3P"?37?3637wrewrtabROr st?rca-dxbQ+slorer Rtk4m s O Pay Onlvmr.caWabe:am o' real car payrrvrt b. CcNal 07:k. ;U>A), NA - P.O. i3x 71063 • Charblta, fIC xi272-1053 e Send Inquiries to: Upld!kre • 0 Uo• 17285 • :;al Lake Cry'JI 6.41 07235 G Have a question about a charge on your sbter ent? Phase refer to the Bdwq Rlghts Summary on the back of your statendit :x visit www.u?oitekax.carJdisnutes Payments. Credits & Adjustments Transactions 1 2J JUL PAST OJE FEE i3130 2 05 AUG LYIERLM6T FEE AUG J5.207J 539 JJ Jrjer 1enr5 pevos cis-iosed to you, Sarre a all of v" Anrnbl P c-entaye Rai 5 ,A'RS1 have r.+r inaee5ed sauce your acco?ml was past due twice in the past 12 o," calks. If your tes Ivnve slreaciv inueased, 31,sequenl delrquer>ciea exlHdeJ tie hoation of the inc:-dbe?J rules. Rerne_ _er- If w? reLefve your minimum monthly payrnerit on time to, 12 xnseabye blltrg _} ides Cis axon A wig be reviewed for a possble-return to you f•lon-Intraductry A.Ptt. You account I es gone over its : rest limit To avoiJ aliitional wArrA fe:3, yc, sl laid pay ! rnxa !rid r the Ivkrmium Rayrnent. Pkm ray ena Kjh to bring your acoomt balan e below wJur edr! limit mmedatey, and make sure your account oalance 'emam below you c-eck ImiL f'I ase oe oure t ie anoint you pay a wilts for any futaewGfraxes, be a d fi d xz urges. Yod were as,-S a past due he beca•se your :nownum Payment was not re„eivHd try Lhe du-fata_ To avoid this fee n the future, we reocmmend tot you akw at least 7 bu; em ,s ct ys f ar your nirann 11 payment to reach Capital Ore. i'LLASE RETURN POR HON BLUM VVHH PAYNENT OR LOG ON TO VXAV.CAWALUNL.CUM IO MAKE YOUR PAY NILN1 UNUNL. Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Aug. 31, 2009 $3,959.25 5836.00 PLEASE PAY AT PEST THIS ANK)UNT- 1 5178057290437677 05 3959250153000836001 #902180758160909001 JOHN WIMBROUGH 1913 BALDWIN CT 8233855 MECHANICSBURG, PA 1705S-6239 r111.1 lhll•IIIn111111111u.nn 1 lr9d•IIIIII1•ulhlhh•11 Lend a hand. Save the land. Manage your account online today- its fast, easy and secure. Q Pay o, I,- _L r,ps a Lkl l? . Q Mcvin9? C ^,n^.qc your ddre, nnimc nr c ; m, h,, 0 11e1P save the r;lanct?,:? pa{;crux Q siyn up ai., .v n ?pi;nlorc_c Capital One Bank (USA), N-A- P.O. Box 71u93 Charlotte, NC 28272-1093 uIIIP•lll••uhl•trhlYll^Ilu1r•II.1•III•II••Ilhlhl•Inl Please make checks payable to Capital Dne Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JOHN WIMBROUGH 1. Flow to Avoid a FalafhCe Charge. a Grace Period. Y." t" cove a ninimum gmre period of 25 days wrttna finance, charge on new purchases, rlew balatke Lansfers, new special purchaaes a'd new o(-crorges t you pay yourtdal'Wew Balance", in accorlai-with V. Ir1Poltart Notice for paynerts beIi .,it al lane for t to be credited by your payrn hi due date. Tthere s no gracepr:rod on cash advarces and spacial Irahalers. In aUlufr , there is his grace Mod on any transaction 0 you do not pay the Mal ?Jew Baw", p. Accmug France Charge. fransaetions wlxn arena ',. auplecl to a g-ace period are assessed fmilice, cWge, 1) iron the dale a Lie I:aruacton 0, 41'om the dale Ire :msaction. prOh loo toy- ACCout« 3) f'"th'ie 0,4 cai da, Jay U the =uranl bill" period. AdditbrWy, C you did !nit pay the T&-. Balance' nom the pevteus W end pe1W irl full, finance charges contintp to werue to vouf unpaid oalaxe ua the unpaid haaxe is Bald in full. TInn tea s ten you trey slit owe fnunhcr char yes, -1 0 you pay the eMre Nis v Balanoe indicated on the (,at W you at t-,A oy the payment due date, purl did I? rid x so nor the pevros rrontn. unpaid lihannce Marg- are added to the apply aple segment of your ACCOwL r Merriam Finance Charge. For each billing period let your account rs s &P-1 w a fine- charge, a mrnrum total Flr4ANCE 0 KARGE Of 1n.50 Will be unposed. J. Tenp nary Reduction in Fwd n Charges. We reserve t: right to no assess ary or a1 flnie- char yes foes any giver, Stang period 2. Average Daly Balance (imildkg mew r'ucte ses). F trance charge is calculated oy mutipyng the daily LWance of eachs V-K Of you. ,It caul .dvarye uarliase, sp-l transfer, and sPedf purclase) lit Ly the cclreap>ding day pe*oek rate(s) lira has been ,-lousy disclosed to you. At the end of each day during lrie [NWg per nod, we apply Unit daily parodic rate for each segrwt of war--JUHI to the daily bdW exea:h seg- Y l limn at the end of lire billing period, we add up the -0 c 7 -e dairy caatalionR W arrive A you oenalic firs- crtarge for each seryrL+V. We add up the r•,suts Ir on earn seg'rrrt W a-m at the total pel odic rna- tlrarcte for your account. To gel tp Jay tsalarxe for e- h segnert of your .-f, we take the begintrg Lasnce for clach segRert and add al le,y transactions Ad any pwooos; friaraE nacge calculated an the peYNNs JaY s _Iwme fey flat sapr(W L VVe llheh sJDwact ary pay-As o'redts posted as Of that day hat are allocate] 1;f that sesiner2 11. gi es - he separate deny balance for -h oec;- ht or y1W ac',.'OUnlt Il-er, t you paid Ue 14- 3alaxe shown ern your or evous staterne t in fret (Or it yo r n- palm-was zero «a credit artr4rH), - t;..act.., tract post to your purchase Or special PurC'nase se'i,-rt4 are not added b the dart' palahces. We caouWta the average daffy baia- Dy aMkg an the daily tad- tu3etWi and dNidng UW sum by the nunbe v( The, days 1:1 the current tolling cycle. To caloulate y-idal luiwi a chage, napery you' average day Daarxe Dy Ube Jail/ periodic :aIae and by the Itun uer of days in the htli g pevud. Due to ruadag On a daily Dace or due to mutrrnrn Inane charge assesshte nit then, may Le a vaha ce baweeh ITS c*oulapn and lire arrout a finance charge acdsaW assessed 3. Animal Percentage Rates (APR). a the term "Annual Percentage Ratcv' may appear as "APR' on the front of ties statement.. D. V the Qc -P (Quarterly Pineal, (Quarterly _18Q'i), L ,Quartwly CD), a S 'Bankcard Prime) appears al the ran of the sl tarnentn ut to the parodic raters). ma peodre rates .,d-e*.,4,g ANNUAL PCRCENTACC RATES may Vary quarterly and may Increase or decrease based at the staled i dices, as food n The Wall Street Journal, pis t`ne nergin pmfousy disclosed to you These changes will be elfectlve on Uhe first day of yeul pitting period cwered by your periodic staler" ending in Ure frnontts or January, Apa, Jury a'd October. c. If the ode D ,?J. y Privies, F (fir h hny LIBOR), a 3 ireas.iry LIBOR) appears at the naY of your statement red to the periodic rate a), the periodic rat- and orrespouang ANNUAL PERCEN I AGE RA I ES rrey vary rrvnt* and may irxrease Or decrease Dosed on the state l idice+s, as found in The Wall Street Journal, plus the margin perlousy dscosed to you These charges will die egedive on Ure first day of you W Wrong period eaoi -,it,. 4. Asseswrenl of Late, 0vefl W and Returned Payment Fees. Under the tertre of your customer agreerrert, we reserve the ngtht to waive or not to assess any fees wtniit purr' notification to you wilthoul wabirg our right to assess the same a Millar lees at a later time. s. Meneersthp Fee and ftefleMirg Your Apevun. t a rr-w-- ltp fee appears on this ataemerht we wit credit the fee t you request to close your account wNhn 30 days o the maWtg of this Walerlenl You may continue to Use tte acc Wnt prig the 30 day period Defoe your request. If you do not pay all charges oved on this accost with in 90 days, or it vW rse your r. edit =aid or acct after you requesl to curse, am me. rihersltp fee pevi,wsly waived ney be reinstated to your account u. Closing or Suspending You Account You ney e,4 e t that your accout be closed Ly calling or -tilg our Cuskmnn- Relations Departrteit. At the tme of your ryr1-L we wit provide you wiUh additional Mails on closing you -ohnt. Ths may include payri ktorrretkrt tyou use your credit card or charges post to you account after you ask us to close your --L we can keep your account open or reopen L We may close or suspend you, account ad your right to Obtain cfeM We rhey do this a any tarn and la any -1, - t yW are Mt hI JelauL A suspension or r Wr account _an be pemhaneo aterrocrary. If you account is closed or suspera/N. you mat stop usig you cedt cad and axoa'L You must also cancel all preaWlcrized Lilting aralgerneras to the account. We it not do hs I« you. t we dose or Permahenty -MW your accout, you mutt also destov all reM cads and account screw che.ks. You must aril pay at arrputs You owe us on the accouH even 0 they ware onige] st, you- account s closed or suspended. T. Malang Payments. Paynens you mat to us will oe credit e 1 to your --A as of the Dhsiness day we feceye L provided A) you send flue t.oa«n D«tioll of tltis staterrerH ad your chKK n the enclosed remetarce etwelOpe and l2) your paynert is received in our pra;easig center by 3prh ET 12 roan P 1).'Lase alb- at Last We (5) lashes , days for pstal delivery. Paynents received by us at any other oCatlon or in any other fsrnh may not be credited as o the day war receye them Our business days are hladay thiough Saturday, e,,cludi g n oWays- Changing Address? Address Home Phone..... Alternate Phone.... _ __...._.. .............. ............._....._........._...._._. 8233855 E-mail Address. .. ....... _ ............. Plcase p,L^t address or phone number changes above using blue or back ink. FII b. Notice Abort Eledrorw Check conversion. When Y«s P'w'nle a ct,eclt as payrne:t, you a W once ?s etxn to use idarrhaiprl Iron you ctheca, lD make a pile-tire electronic fund traroler from your deposit scoot" a to procfsss Ina payment as a OWK Ir.saonorl. When we use informaiioll front your ctwik to maize an ela[.'tlat_ fund tarsier. fords mW be witid-h Iran your deposit acCW4 as soon as the same day we receive you payment and you will, ree'eye your exec back from you lawicnal institution, You amhoratition s hot CnWed by the Date on the cri ck We gray -"M .0 elrcnronwcay nod n:{ordd payments. J Banolotcy. t you are aWled to o'-ptcy or>lecuorls for vox -it Uhl - rrghn,-aayn is Only for niorreDDhal purposes. II s not an anal W to cPtect assess a recover a debt ? claim. Uo not send airy pay anus C-Ay w :y without speaking hMUh yor bankruptcy alornhey a Ure 3ahKrulkw Cori t you wax to ca1W us U,Out yvU, account OCyar I ancuptcy procee7ay. phase hart:. y:wr atomey _nlacl is. ttAW NG Idl311 I 5 SLM%RY -1!1 (:arse a tr«3 «(;LdeSlR115 aDOUI You BWI If you bunk you pill is wrong, a it - -d rn«e wtpmaLOn on a tai-lion or bill, wT1CN us air a lisps ate sh-t as :aUrh 6s fr ast+L a Ure adJress f« i!hgniries sfhaMh din Uhe Fat od Uris ataterML We n1A1 hex Iran yW no Lite'thah IK) Jays OW we self you die rill Itt oil :Mich the error or p'odlent appeared - You cat call our cust'rnher Relators hurt- «noty s by -a a .rebsile. out drug - w hot preserve your rights. In you letter. gwe us line 111-hg information: you nacre and awpVrt 1hurn,er. the dJar anuunA of tht SLGpacted err0, a Y.SChptbn of line enrar and an ex plan Won, if posstde, of ?Nry vw -1-e there is a', al o, « t you ,--d mre kt«*rearl. a J-IpUph of It. item you are Unsure abDUL 1'?a J. nx have to pay any .rani ul ghx'otnrl .Mete we are invesUgAhg t. Out you are sat oaiga id to pay "pals of your bit that are rid in qu-tarn. Able low .hy-0gate yourquestwn. we casino report vW as de*Muenl on tde any action to -Ate _t thearms,a you 4uesliphl r spectral RU L f« G,e K Ca,d PxeNses It you have a polksn with t`.1e quntly o p wc-ny W sent- thatyou pur_tased Mi. s ,sent card ad you :rave tied dl wod la4n to caiecl the pobkYri hYMn the f--nat, --r, have the ryM rot to pay the remai ng amount due ph the D-o-ty air services. You have his paectioh sly wren the purl- prce was rue than 550.00 ad the W'crwse .6. -ade n v Wr 'time state or within 1W rhiles d your mailing Wdrasa ,t .w -1 Jr operate U. h WC laiL a f we -led you lira adeenh .Wert fo (he p-owly or sec -, aU purchases air? coyeted regardless of a'nount or 1-hon d pun r-.;• abase ternent,er to sign all co--pondence I JoeS'1(r aU(lN/to blS'nea. 3MOJ')'S CaPOA One stspnts utanenion Pit-Y px iu?l see Our -bate al hw_yy capyalale:rom capita One is a fl'WaN M9.111ed --WK Of :Apra :Ale Financial 0.Waion. All rigrt4 -J, 12)08 CaPkal =rise 1 C:JJ 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 carne with your . statement. Using a different envelope could delay prares5 ng. • Please don't include any additional correspondence. Last but not least, be sure to write your ' O-diylt account numher on your check. Cape what's in your wallet? 5DO013 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. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 53,959.25 SO.00 +'- $78.74 $78.00-( $4,115.99 5999 00 Sep. 30 2009 .f Aug. 06, 2009 - Sep. 05, 2009 Page 1 of 1 - ?? "Y""?•Sr -H15 N.Y.YJY MasterCard Platinum Account , ,j -_ t«?hind ny :.ix Pa) ^?ent; 1" w° 619rJ_ jf=i(, a r;oant due to late a missed µrym,hls, Enanc° j 517&05724043.7677 ;5ar M11 corblie to Apt now to -eit thr> ?rxn happererxa_ Please pay the rrurum Your Account Information e a a„ a a ai y? •.r AA nw,t ,> 4, _4 at 1 ?s?. r? ?. w re t = t, rein.1aFe v, r,l a., ;1 in ah d Cal cx . T o 1 AL. CREDIT LINE $3,2,,0.UU', TOTAL. AVAILABLE CREDIT $0.0 i Payments, Credits & Adjustments CREDIT UNE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CAST I $0.00 TransdCtiOns 3Ir:U; "<<SI'JJ_FEE 539:JD (Finance Charges (Please > r_se fa impo tant irformation) 3al4ce!ate 'erxic CorespofKkq FINANCE Cry lU 'ale APR CHARGE '.. ? 'i 'xc?`?ase S3. (17 u 1 0_.59A2. D .15 'W3.0= mesh S,158,,'9 'J.,6jt2 o D 23. tub So 38 : v. r :c ?un1 has gone cue( ds ?re3t 6mA_ I o avoid aiilticnnl a/erlvnrl fees, you skald pay more than ANNUAL PERCENTAGE RATE applied this perio(t 23.151 : w'A'j[nurrl Pay<ne)L Ptefse;,ay eoougn to G my yap aorountbalane below you, c,edil firnit mnechateF,and makesure you:aanontodian:erernairlsbelow youcoillimiLPlease besue he At Your Service ?;,, w .,rwr caaatne.can ?, rrraaye yrx, aasuil, n n ount ya.i pay ax. cots for arN hlture pxcnases, fees, and hnan'e merges. xCat I?Y}9,37?r_uatalostxsbkn each roC.rslorrr i __ r» wa° aa'?l a ?I J,rr fee .xa1' yaar mninum payment wzrs KA ret:awJ ?w tl -Jut date. To fLFaa,rs avoid thn fee e, rte fuhxe, we rnxnune-d that ya) apow et least I busines days fa pour nrwrio n Pay online a wMw:.a:aaue yi? coal wU pwiwd to reach Gaprtal (Nie. 0 :.qdd Oro ;ank (Usti), f IA • P-Q Sox f ILW • Cmrbve. 'IC 62,72-10,33 9 send Irpuines to: (;Tpial{k„±.:' () Sur 9WtN • Sat Late CAy, Uf A YJ)-)2h5 A&Vk Have a question about a charge on yourstAemerrt? F'ka? refer 17 Lne FslNrg P,ghi; Summary on the bad; of your statenerlt a visit www wPit'alone_u=VjispAt , 'LL,r6L Rk.I URN FONT ION BLLOW VA1H PAYN1LNI OR _L-, UN 1O L`.MJW.CAPIrALONLCOM rO MAKE YOUR PAYNILNI ONUNE. Account Number. 5176-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Sep. 30, 2009 , 1 S4,115.99 S999.00 PLIAS?_PAYArU S T HIS AMOUNT 1 5178057290437677 05 4115990153000999004 GO GREEN. SAVE GREEN! Pay online and save money on stamps. Siyn up at www.capitalone_com f---?j N9024907581609095k -------- --- - - JOHN WIMBROUGH 1913 BALDWIN CT Capital One Bank (USA), N A. 8233855 NECHANICSBURG, PA 17055-6239 cP.D. Box harlotte, 326272-1063 I"IIIIIPII..•'•IIII'IIIIIIIItIt.ILIIIILIILLILLItL.tll.ll If III P•I".-IIIll•II-IIIf It..III III.-II•l•III•II •IIIfill 1-III I Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. JOHN WIMBROUGH 1. How to Avow a Fnafwe Chage. a Grace Period. Yoa wit, have a nwlinum 9-period of 25 days whoa fiwKe dwge an, new puchtases, ix v baw-tran9fls. I- spe Gill paC'h ases aid n1eW aaer crarges l you pay your btel'74evv 3ahnce", n aCro(4- Wwl Vr Inponat Noox ra paynelits behw, and in time lot it to to credited by your payneiY due date. There is no gate period on Cash adya:Krs and specs) tra sfers. In aJalon, there is hlo grace period oil any Uailaxt al t Y'xaW IM pay the Mal New B." .:e" b. AcauwV Fina Charge. I ransactlals ,I -h arena subN,t to a grace aerod we as-vid frlaxI Cha:gel) I'«n t'le dale at Me Ifalextionl or Z) 11" Lhe date the ''.. transaotial rat it x-sel to yoij ACCOrt a 3) 1 an In- fimt Cate uar Jay of ale ^_urne of big g period. AJ"nally, '., oti did root ody III TJenv Balance" Iron, the pevnoo :. tr )g period in full, rnaiC d,arges continue to a _-to YUJI unpaid Oawy,e ago Ire u'Pwj baluKe is pall it, I.R. P. ,- a UTA you f ray shill owe flounce cla ?vs, even if you pay the satire New 3alarce ultrafad on the frot a you staf r eht ay the paynrrt due date, au I '.i nit dd so fa Ne Prey- myth- Jari Than- _harges as added W the apio-Dia -gnne,t Myviur A-11. c. Ainnlm FnsKe Charge Fa ead, rwlr,g period that your accaua s at A*eO W a rnla'xe charge. a r-riuvin total P14A 1CE CHARGE of $0 50 viol ue imposed. ''. J. (er porary FWUICYRn n Fiance Ctm ige3. We resarve L e rig, What assess .,y l an r-to ddages foe any given bti!g aerial. 2. A-.W Daly Babrrx (k k Wig New Fsachases). Flhan Caarge 6.1kUgred ty mutpyalg the dory tr it- a each .,9 wt of you a ht (e.g., cars edy-e- purchase, special Va1sfel, a! special purchase) try the urtesurgm9 daffy Wiod rate(s) dial has been prev-4y •Jrvc4aceJ to you. Al to ell of each day dnng Ine Miry peiod, we apply Ile Jay Periodic rate for each segie'A a "1 3il:aula to Ur daily Wild- of extl seg,-* Then at the ell of Lew bliag pe od, - add up Lee results a tlYne daily cakLatiom, W arrive at you periodic frnailce ctwge for each Segral We add up the re%uts h CR, each -Xiin to a'rtve at lel?Wl WW finance O-W for your act-vat. To gel U. Ully Dalame fat each segrnerrt. A your .-C our take the begiuwy Lalahoa for each 32gnrhY ant add any 'x trW3aCbXVS aid any pen'-lc hiaNX chlarge c*A. ad on the peviws Jay's oalxive fa Nat sic Yni W. airs, subuai sly fay--A, or credits posted as of that day Cat are albcaled w that IV- 11 This 9- is Le separate daily bald- for each segrrert of your aCmult However, eyou paw the r New Bab Ke sta.n, an yaa prey nous st tene'it in full :P: t you new :Monte was zero, a credit amxat), new Ial"-wif, wnnch pot to you pu:c'rse or spe. W purchase segrens ere riot added b Cate daily balances- We caKVlae, the average ditty Dalai Dy arfdng al tale Ja1v ta6hoe, logelter and dividing tlrc sun Dy to nurbei of r'le days n LY-enlt tit" cycIii ro calculate your Iota, Inalnce drags, -** you ayehage daily Lampe DY rte Day peflpdC rata ad by the murber I Jays in Ue aiding )..W. Due to foundry al a dafh basis a due p ruin-n finance aoarge assesarri t, here may I* a variar i tetvw_^I Las CaLL "loon and the smut of fiailiV Cha:W :drolly assessed. Changing Address? J. Aruwal Percentage Rales (APR). a The 2Ym "Annual Fb -tape Rate"' nay ap,. as "AIR' o'n Uie front of Iris staterne'Y. D. If the -.de P (QUatvrl P!vrte). (Uuanefty LWOR), !: ;auar" CD), a S 3akcard Prime) appears on the r on a ills 'fat-1 ned W the PapOC raw,.), tlw pwlodl rates and cwrewadilg AIJtt:NL "QiC[WAGE RATC? may vary quarterly and may ncYeaae or deneaae Lased al Cm Staled oiwes. as fold in The Wall titfaei lorrla. alts t-ie margin previously disclosed to you. T.,ese chageo wan oe elf-ti ve of the I" Jay of your Dewy pedal covered w your p no is stalen eall ending in the r: Am a January, Apra. Jury aid Uctwet. c. if U. code D ITkr Wy Prime). F ;7AOitnN LIBOR), v 71eas1y LI30R1 aop9. rs of the I-nat of your stale-al xM b the Periodic rale•'s). he pel"dc rah and cony-PO, W g AN,",L PERCEN I AC, RA I ?S trey Vary i ran lLhy and %W i- ur de,eese triad on the stated klr':es as (-ad in The Wall Street Jounlal, plus Ne rnagal Previmrsly declosed I you These dwges ww t>u eleaye of Ue first day of Y_ Lid" y period each rmld?. 4. Ai sessnrefm at Late, ENenlo rill and Retuned Paynnert Fees- Under the Was of you CusrlrtRr agreerre w erve the right to waive, nit to asse`E air fees via"" p or rrioulicalron b you wNrout waiving our 'of to assess the :.arse or sundar lees at a later tune. 5. frleinn"shp Fee and Wehewng Your ACtwill. I a -nemb-rtp fee appears on this statemerit, v1e wnl Cre1i the 1_ 4 you request Ii your a.oaun hill 30 days or the nreding A this smlernenc Yap may continue to aae Ue actiounl Juhhg the JU day Period before Your request. If You Jo-not pay all Charges roved an this a _ unt with rn 9O days, a t yhu use your cldl _ r1 «accout arer you r-q-t?o c1- any rrnembershb fee paviwsy waived :ray Le -notated to you aXW k o. Closing or S.Werdng You Act You nay ?eyilrsl that your xcouY oe lased Dy c." ar-king - C.tomei Relat.. -1_wr -al. At the Mira your rayuesL we will provide you with additional Jetats on closing you accaua. 1,,nis mealy -lo", pay-A it-,W-t , you use you -Jt card , charges Poal to you a- ,, after yns ask us to -lose your acco.,L we can keep your --nit oyn Y •ryen t. We may cknr a suspend ycdu --it anu your rqt b 001-1 credit We rhay do M. al any rt•ne aryl lac airy re35a1, avwl t you aid not n delauk. A 4.pelebni at your err: ours can be pernale,Y or teen: afay. If your --t is clssed or a.-,led, you -A 31ap uu,g you c:pM Car d a'l -omit You must also cancel all prea,Llori-af L ling a' 3lgarerits to tfr accuu't We will trot W C',s L,x it It e clEre «permahx.Yy suspldvour accouY, you muss al,to desCoy al credit cards and accaua aCCesS Cep _ Y?-,l Rvst sbl pay al anho ats you aye us o, the a.'T,roao. -. ,, d ILey 1ere Charge] altar your acco u l s dosed Of sopetwed. Malag Paymeos. Payrni you coal b us'.vill x credte l to yuu account a, of the t svras day vve receive it. P'cviJSJ 0 i you alnd Ule bodorn aortion of It ns xaterneat our cneCK n Ihr erK'ItY3ed ranleaKa lyekpe aid (2) .My yuu.• payrrerY i; rl.ewed In ou P'ocassi,g center by ".vim E T r 12 roan -1). blase allow at least true (5) tasiness Jays f r postal Jelivay. Pay- its received ay is at any other foC l oh >r n any other loan may plot W cradled as of the day we re:eya them D. ousales i dayY are kviday V ouytl Satuday, excludig hdklays_ Address Home Phone,, Alternate Phone .... .... ... _......... _ ........... 8233855 E-mail Address---. .... .... Please p'irt add-ess er ohore rumtr chart aDcve using blue o r b uck ink. 8 Nolim About Electronic Chock Cawerson. Wren you a-,"Je n area, as pavme,c you aurdxtte as earl to use irAOmation film you check to intr. a or knie elecvonk fund (ramater tromlyonfr deposit account or to process tae paynrt as a clwcic trandxitiOn. wenerl We use irY«maton fro nn you ohe. k to naka an ele,e fund transfer, funds shay Ile withdrawn Van, your deposit account as soon as Ue same day ere receive your P-,-*iL and you will not rettefye your caao, b K(roan you no-W clsfilutiat Your a Wloruanon h not Whiled W the dare oa the k Wefrayresubmit ad eearancay-R t:a(uled PaymerYS- 9. banlauptty, n you are entitled to bancrupky protectionl fair your -9, tills co.'rtlwt ^aDal a Duty for i t-heitiD!al papcses. It 6 not an attempt to call assess or reCOyer a debt or clam. L)a rr 1 send arty payments U-11y W s, wwnoa sp-l aag with you W nknaptcy attorney or t. e 3art1v'4Ptcy CuuL l you avert to Cu,LY:t to aaou Your account or you bamnrp" proceedaag. lease nave your allonley _Axt o. -BILLING WGHTS S'Jf.'MARY :In case of EIT«s I Q e w. a0aut your U40 If you Cnkk your gill Is uro g, or 9 you need marl tYartWtal on a Va,sacW., or Ill, coW W us o, a sep-1__ shell as swirl as penile at Ue aouress I, itlgtiries sham on the fmnl of a. spat-it We must hear Iran youna katar that, dO days Nkl .1e seal you the fist Ull on Which the erg or p-oWern appeared. You can Can our Casbrne- Relations rwrn;r-v or nary us try -4 or -Wile, but doing sa will tot preserve your rktb In vas letter, give us ni, blavrng Womnaion'. you nacre and .-I number, the dollar anoint of the sa,pecRV era-, a .lscnpdm, of Ule error and an exalwailoin, If possible, of wiry you b-,, tllete . a', -. , it you -A true.1 nativi, a de-riplion of Ile item you are unsure aDOLL You do nit nave to Pay any amen nn qunshon White we a'e i veWptag 1, out you are SO obligated to pay the Pans of your bill prat ere hat all question. Wrnne we mves"I, your question. we canal report you as deli la-A or take airy a0ti- W cakd the arvult you due I.. t Speaal Rule br credt card Pudnases l you have a proawn villa Ue quality a p'wry o se:I- Uiai you purctased with a credit card and you rave Ued in good Iat, to COFTW hr ra Obkrn wtln Uw rherC t you nnay, have Ur right lot to pay the re,,aiYlg arnwut due on the P.aoa ty , saVKeS. You nags tl pall Ywn1 Dill wfk rl the pad-price •mre than $GO.00 ad the purchase was -rode in your h re slate or MiNn tW ydrs of your nanny adi ;li we JN1n or opal ale, ire frle'?hdit. IN if We nWled you the ahrertserrent roc une Property, , services, al parchases se cwer_ l r WarJks of afoot or IocaWn a purcha- i -base rrrrnt,er to sign al Conespord a nice. 'IVES a a.&Y A b: q,-a-o"ts "apital One support. infamaWn prwxy protection. sec ou wemiie all y»wv.c - alate.xm (sans Vne e a leaviay reyewed Serv K_ nit k of Gapia err =f r-al Co-allon. All rids -y-AC, 2008 capital one I CIV i i Ur lalXO - I - 0Y2608 Not quite ready to make payments online? No problem Follow these simple steps to make sure is we process your payments smoothly: - Don't staple or paper clip your check to the payment slip Be sure louse the payment envelope that came with your statement Using a different envelope could delay processing. • Please don't Include any additional correspondence. • Last but riot least, be sure to write your 16-digit account number on your check. Capita/ wP Vs 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 free check by phone service or speak to an associate by calling 1.800.955.6600. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 53,959.25 -? S0.00 +1 $78.74 l+'i $78.00 $4,115.99 5999.00 ; Sep. 30, 2009 Aug. 06, 2009 - Sep. 05, 2009 Page 1 of 1 MasterCard Platinum Account Youi'e rebind by six rrayment-? If we emerge off your account die to late ;x missed Iny-rwn , firraren_ 511&A6T2-90137677 charges will cantinJe to a-- rue. Al t now It o event this from happeni; r7_ PP_ a>e pav the ,nmi num Your Account Information aa'yi let,t arr,m )t ?r your -A fernwtt ,p u> a, 11 at t803.956.0SO - N e ter; t., Iw_ Ip. Tnhe adpl f Y,YI ;i-'drt nth ?-pital (X_ 1-0 f AL C;REDI I LINE $3,2-A 00 TOTAL AVAILABLE CREDIT $0.00 1 CREDIT LINE FOR CASH $3,250.00 AVAILABLE CREDIT FOR CASLI $0.0(1 Finance Charges ;° ase see reverse for important nformaton) d'alarrce role Pe-rodc Cortespondny FINANCE ! 4),led to ;ate APR CHARGE F`u.?ase; 'S3,715.91 0.0634eo D 23.15' S73 O6 Casts :.,73&_(9 0!)63C%D Z3.11-1568 ANNUAL PERCENTAGE RATE applied this period: 23.15% At Yow Service - (iJ b wnw.c4A itne.wrn b nra aye yw -1, or Cat I-9C119taaUi to a,A a kat x sblen cad or -4. b Ouslnns P?kirxa 0 Ply online A wmr::,xllade.win o anal yc r pennant b. eptd One Bak (054), N.k - P. D. B3 71067 • Cu-btte. `! J 20,243,33 9 Send Inquiries to: Gaprlal Drr• O ;lox 9Wb • Sal Lee City. UI- :Al" )-)265 Q Have a question about a dw9e on your statement? Flease refer to the EAM Rights Summary on the bad; of your state ne ,t x visit www taoitab-x cori?,iisp_ite. Payments, Credits & Adjustments Transactions 1 31 Al1G PAST DJtl-tt :,39.)7 2 W SEP OVER'-Ifvllf FEE SDY05, 2D)9 S39.)7 YoJr accent has pne over its credl IimA To avoid ad1tional wedmit fees, you should pay m7e than the Nfirwnun Payment PIS pay enough to d ing your aocolnt balance below year cedil lirnil mmedatey, and make sure your ax pint balance remains below you call bm t r'lease ;a sue t ie anoud you ray a:counts for any future purchases, fees, and finance merges. YoJ were as ,s-J a least due fe- L?szeynr mininium paynrent was not re•,e l fry t due-Date. To avoid this fee in the future, we r-a nrnend trial you allow at Last T br>nes drys fa• yxar waiinlna payment to ready Capital One. PLLP,SE RE rURN r'OR IION BELOV? W11H PAYMLUll OR LOG ON 10 NN'AV.(.AP,I ALOHE.COM 10 NIAKL YOUR PAYMLNI ONLINE. CW" Account Number. 5178-0572-9043-7677 Doe Date New Balance Minimum Payment Amount Enclosed Sep X 2009 54,115.99 i S999.00 PLEAS PAY At LEAS' Till' ANIOUNI 1 5178057290437677 05 4115990153000999004 119024907581609095# JOHN WIr1BROUGH 1913 BALPWIN CT 8233855 MECHANICSB URC, PA 1705S-6239 I„urltPp•••,•[III -III 1III 111x11.1111'.111+11 .1.1 '1--' If-' I GO GREEN. SAVE GREEN! Pay online and save money on stamps. f? Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box X.063 Charlotte, NC 28272-1083 1111111911--11111.1rh11"1-11111r-11?1?111?11-11111111.1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JOHN WIMBROUGH WI 01 1. How to Miser a Finance Charge. a.Gface Period. You will have a mivnum grace period of 25 clays WtFnW finance charge on ne v purchases, ?1e\v balmol, tralarerq, Ia1Y ape" Purctlases a, Oct flew vtnar Charges Y you pay your t I New'ialarmW', in accocait"wits the Impodel4 NoUae la payrr"" bebvv, ad ii dose for If to be credited by your payment due dale. There Is w 9 -a0B period w cash aW ances and st aceil transfers. In aikatiIn, tilde s no grace period on any transaction d you donor pay Ire tonal T4- Balance-` n, Arxnng France Charge. Transactions vMCh are not subject to a g'ae Period we assessed finance chi w 1) from line date of the l2 -11M of 4 t-n If ie date Ire uasa:wn ft processed to your A„oillt or 3) frdri the rrrs, ? IenJar :lay of die Curran, billing; Period. Additionally, R you did not oey tre'Ttew Balance' from the pfevioul LA" penal in full, Mar-charges continue to accrue o your unpaid xlmce urm ine mvied bak- is Paid n full -Mis mRTars Ukit you Trey still aye Iii.- char yes, men k you pay the epee New BaHrlce axllcaled on the f: alt of your slaterne t oy Cue paY,,-A due dale, out W trot do so for the previous mLYrl. UrpavJ remake charges are added to Ire asplcaisle segment of your Ac-1. c. klillrnnil Finance Charge. Fa eadl billing Period fiat you, account is suiced to a I.-- Gfarge, a "-in total `JtW4CE CHARGE of qtr 50 will Le ifposed. J. lane orany Reduction M FlfariLe Charges. We rescue toe Ilgit to I" ariaea3 a:ly or all fnlalll'e cf larges fo ally g- bluing period. 2. Average Dais Balance (Inuiudlg New Purchases). Frrarnce criarge is mt-ulaed W mulI Ule daily talmice ct each seg-A N your -it cas, arivare, purchase, special transfer, and special pur.lase) W the couesp kling daily Periodic rates}thN has be'e.l f-wsly dsclosed to You. At t'ie end of each day awing tare Weg Period. we apply tr1e lady periods rate to, ea_h -y- it of you -A to the daily bA.- of each segment Then at me end of the tau" period. we add up the fesuts of u-e nail c.colatksrs to a- a your perbdC trance charge for each segment We add up ftr_ rasuks from earn ss gynent W-at the Mal p, KKW: fin- drage for your -1- To gat If'Jaiiy b.1- for each segneni of you a.- *, \Ye knee Ire beg." finance for each segment and addally - tra aactions ad a,y F-J. h'6,1Ce charge 'Ac Aided al Ule P- Jay`.i baial- for Ulal aegf-A. Yve U.l sVob -t ay payff."S c, -jes Posted as o that day flat are albcael to that -,y-.L Ths gives us the separate dairy xdance loo each segnert or your accoux Ha er, If you paid ne Nev, Balance snoall al you P'wqus statarieA el full (oi e your rleW ielaliGe was _aarsa a credit amount), fwd I.ludav ,0, Whid1 Posl to your Puchase O; sPCial Purchase segmats ale not added o it* dally oalalc23. We _akWate the averaW daily balance W addig all tore Ja* tata,oes loyet- aid divide g tie sum by the n-ke of I'e drys n Ule cumenl odav7 LyCt+. To -Inc late yourtoil !dance charge. rnolpy you average day balance W U. Jaly periodic ate and W ere nuroer of days in Vie oklnq pefklo. Due o roudvg al a dally bass a due to -nnuin rm- charge asses A. urere may Ire a variant L 4 ,I can cal?ulmo, and the anuut of thirst cnage nssessed -tuaty Changing Address? 3. Anr 1 Percentage Rates (APR). a. Ttle it,. Annual Perceriage Rate' may appear as "APR' on tie [row of Uis slalenenL D. n Via' e P (Qua Merry Prrcte), L (QWIday uBrX), U ;7u2ltery CD), a 5 Bar*cad Prime) appears al the f-ot of the sfatamaat -.11. Ne perbric rato-s), the periodic rates and carespondillg ANNJAL PERCENTAGE RATES may vary quar[eny and fray Increase or decrease based on uric staled ims es, as foul n The Wall Street Journal. plus to rrergh previously disclosed lo you These ctlalyls our oe effective al the list Jay of your lotting period cwerei W your periodic slalenenl ending in 0. malts of January, Apri. July ad Uxta-. c. If the code D lMnlNy Prirre), F (h both y LIBOR), a 3 ;Treasiry LIBOR) appears al tfle f:-ort of you- slalemefll next to the Periodic rate(s), the periodic ,ales and oomespordeg ANYl1AL PERUEN fAGE RAI ES trey vary rrlaldwy arld may increase or decd i based on Vie stated inures, as found ill The Wall Street JW,riel, pen lire :nargii pr-usly disclosed to you these chaygea wul be eflachye w tle first day of your Ming period eadl riong1. 4. Astisteaitefll of Late, (NeMM and Returned paynent Feet LMlder the lemur of your customer mree 11, we reserve the right to Wawe or 10 to assess am fees Wiruut Pia ri tftcatbl to you wiUloi w.e ing our right to assess V. same or 31Rrar fees at a later time. 5. Memibershp Fee and ftenewifg Your Account. i a ...ba-sW fee appears w this state n-1, we ail credit U. fee t you request to close your ax Wit wthil 30 days of Ifle maifilg of tins slatemeill- YW may corllinue to Ire U. account during ne 30 day period before your request. If you JO not pay all charges dyed on t n -A with in 9D days, or If you we your -10 and a decant after you re quest b ckse, ay rrerrlhersfiip fee peviwsly wai-J nay Lt reu stated Lo your aCttw11L v. Closing a ti-pen" You ik-lu You illay quest that your account be closed W ca" a \vrRig our customer Relato,a D_•pan-t. At the none o your request, we will pwkle you \Mh adkdtiolnat delais on :losing your accowd. Thus may incWde payrrrt elarrvWl, U you use vW' credt carol or charges post I. your -ourt after you ask Lis to close your aaW ult. \ve cal keep your axoult open or le.I- t We Tray close or suspend you acoout and you rgrt to ootan credit. We may do etas at sly D ne and for ay reasal, even f you we IM n delaWL A suiPalsmi or your account can oe Pnmvalent or t-ary. If you acaunt is cksed o suspended, you Rani slop using your c'cdi card and axourt You lit ist also rancef all Area W Icru ed Liu ng aralgamos to the scout We our rot db tw la y W. k vve close a permanelty slaperld your account you must also destroy all reml cards and aoosmil access cnecics. You nusl snit pay all smuts you woe us on clue -,L -1 0 they Were Charged after y W, acccunl s closed or suspended. 7. Making Payments. Pavm2,RS you mad U us .Al oe creJked to, our -E as d the busiens day we Ire it, woyided (1, you send ne Lodorn oon.- of ihs sraternet and r W r -k rl the 9,nclOSed -M.- .-H.Pe ad (L) you- payment s:eceW J in car processing center by 3prn ET (12 noon PTT. `4-ase alb. all least I- (5) Cakes days for prsLsl delivyy. Payments received W us A uy otre.. Iccat- or r, arr. abet Ionn mar -L be coated as of tie day 1W necewe therfL''- Dusrnes5 days are Malay Ml.Wh &,W-day, -kid" hokJays. Address Home Phone__ _ Alternate Phone... ...... ....... _.. 8233855 E mad Address.... .........__.......__...........__.... __....._........................... Pease prim aril or whore numbe, changes abeye using blue or back A. 6. Notice About Electrornc Check Corweraion. W dell you p ovidr a aleck as fayrnenu you auk- us eter to use inforrn tin ham your check to peke .-4- electronic fund transfer frpn yom deposit acooL" or to process Ina payn a fl as a Chad, trasectis 1. When \Ye use i,tornation from your dletk to r .W an all-1-1- fund transfer, furds'rey he wedre- frontn your depend -A as soon as true save day lye receive your payrrert and you wrl not receive your c-e,c oacK Iron your hianc,al institution. Your auncramofi is not kinked W ire dale on line curve .'k We Tray resudtt and elecilu?llraly cullekf Mul I W payments. `J. Banlmlptcy. l you we milked o balYWptcy protecusm W your aGIRRt.. tins c0'rrrNeriial a only for kiOr; rbUp:lal purposes, k 6 na al atterrµ to colecl, assess or recover a debt , claim. Do not send dry payrrerts diecly to us wktnal speaking \Mtr your minknglcy attorney or Ire Mocruptcy Coin If you wit to contact M awul your accoum or you oankruplcy procse5rg, please have your all., mnact- YiIWNG RIGHTS SuWVKRY (II1 Case of l=Ras a (]uessaus about Your 1301) If yW Irink your odd s .tong, or if you n serf more Inforrrlalbn a1 a La,sacnoll a' bill, writ to us on a sepia,, 'rieel as soai as possible at V. address fa inquiries shown on ire front of nits staiemient. We mast heal Iran yW no later than W Jays aver we sent you the Post bit -,itch the ema Cr poblem appeared You can -' Jl our C',sAon ' =2elatimm -Moei a floury us by -.t o -Liske, out doig ou wil rot preserve you rights. In Your Law. 9- us the folowig id m.n: your rare ant account nrnoer, the dollar arroul of the susper-W er'or, a (L-Ptbll of the emu and an exolalatial, R Possible, Of very you cekeve there s a1 erro . a t you IrtW ;rue i t-tvt a description of Vie, item you are unsure a Wit You d D not lave to pay any annoult in queshim, wire Ve a'e nvesUgatrg t. out you are still oiligaW to pay to pans of your till that are no in questM- Mile We - sl gals- your question, we -,A r.Poll youas deliguuem a take any action m -oleo( the anoint you q.uentiol- 1 special Rule for CredI(•Card -nooses n,youroveaproblemwenthequAoAp,c.-rtyorsevi -s vial You pur-_IlaseJ wen a credk tad and yW rave Vino in good lain to cared the pobbrrl .nth the mere C you may nave tie right rid to pay the remwrg amour duo on the P'oceny a es. You rave tts protection my \Nen the purchase Puce as nitre than 550.00 and the Purchase our -fed, in y Wit !nitre state or .Mein 1W Rites of your makng addlesa ;U we am o: o{erave Ure nr,a,wt, a t we rreial you :Ile advertberrient for tie Property o services, alp purchases are eWen ed rey.111 s of trout a IocaWn of Pa, rase) lease r _nnember Io sign all comespcldence. Xes:% aooy b n'fSi'- accoa.,S Capital One suppo,ts ito mabxl lxwdcy VA-tion see our Wetsile at \wNV.CY011e a77 I*W Ore is a federally registered service rna-k of capital Ore Financial Corocu ation. All it)<1s n-ed- d 2008 Capital Crie NC ri 1'Fr10i7ad- f -03r26,08 Not quite ready to make payments online? No problem. Follow these simple steps to make sure 49 we process your payments smoothly: • Dona 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. "lease don't include any additional correspondence. Last but riot least, be sure to write your 16-digit account number on your check_ FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 53,959.25 50.00 578.74 573.00 54.115.99 5999 00 Sep. ?9. 2009 Have a question about a charge on your stahmentl Please refer to the Billing Rights Summary on the back of your stalenenl a visd www capdakrle oenyJsioules Paayments, Credits & Adj susttnetlts Transactions _- ---- 1 31 AUG PAST DJE FEE S3900 2 05SEP VrER_IIvNTFEESEP05,2M,,4 x3930 'r ojr account has cpne over Its credit kmd To avoid additional overNmd tees, you shad pay more than L're %nonnum Payment. PL-" pay enough to txng your aox»nt balarrx below your wilt Ind iminedelely, and make sure you a=unt balance remain; below your cede tmd Phase ce sue tie anornl you pay axounts for any future pxvchases, fees, and finance dBrges Yoa were assessed a past due fee bemuse yw minmum paymer it was not rerelwd try tIk Jue state To avoid III fee n the fide e, we iecorri that you allow at least ( brsnes - drys for yarr nrrnun pawnent U reach C?trlRal One PLLASL RETURN PORTION BJ_LOw %v(rH PAYNIENT OR LOG 014 10 1AMJOV CAPRALONL COM 10 MAKL YOUR PAYMENT UNLINL Aug. 06, 2009 - Sap. 05, _2009 Page 1 of 'I MasterCard Platinum Account 5178-0572-90437677 Your Account Information TO TAL. CREDIT LJNE $3,25000 TOTAL AVAILABLE CREDIT $000 CREDIT UNE FOR CASH $3,25000 AVAILABLE CREDIT FOR CASH $000 Finance Charges (Phase see reverse for snportant rlformabon) 3alarceTate 'e'rdc Cnrrespatdirg FINANCE 4*Aed to ate APR CHARGE -'purchases S3,71591 00534240 2315% 573051 Cash 1,08 79 0 73342% D 23 15% %'3B ANNUAL PERCENTAGE RATE applied this periort 23.151/6 © At Your Service - w to mnw:::a>tla6rrwn iu nnwje you s vest or Cat 1330-4713137 to resat a bat or star cad or seal: b Qaty - rt Wr 0 Pay onl'ne a vmw.omeab,.= a rrcal,ur parnrerrt w C,p lal Ore Bank (USA), N-A • r' 0 B. 11%3 - a-boe.:\IC 2B.272-1043 9 Send Inquiries to: C;V" D? P 0 liver 31281 • Sat Lake Cty, UI M III-Nab 6 '1 f, j Y ,dr=_!"rrid by srx twyrnent; If we rm- rye off y, .s a.zount die to late a missed payYrn!s firnnc - charges wIN cantnue to a =rue Act now to prevent the an happening tease pay the minunuin paymerrt ?rnanl ?xr you statement a W, is a call at 1 800 a55,TX VWre here to twO Take orrtr)l of yarn r,:edil with C pilal Drie 1 5178057290437677 05 4115990153000999004 8233855 Account Number. 5178-0572-9043-7677 Due Date New Balance Minimum Payment Amount Enclosed Sep. 30, 2009 54,115.99 5999.00 PLFASE PAY AT lf_AST THLS AMOUNT #9024907581609095# JOHN WInBROUGN 1913 BALDWIN CT nECNANICSBURG, PA 17055-6239 I°u1hPp.•.••n11•In1111ni1.11.IIIILg1.1,11,t•111.•y1.y GO GREEN. SAVE GREEN! Pay online and save money on stamps. ? Sign up at wwW capdalone com --•?,/ Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1063 1111111.111••11111.11.1111111••11114••Ib1•NI.11^Ilhihl•hd Please make checks payable to Capital One Bank (USA), N.A. and matt with this coupon in the enclosed envelope. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to unsworn falsifications to authorities, that he/she is (Name) ?t _ of plaintiff herein, that (Title) r? (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Amended Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. , ? 41A, & " -, ,J?' ti (Signature) A, ?, 7, l 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 9* day of J?_Lru_ , 2011 upon the following: CRYSTAL BURKHART, ESQUIRE WHEATLAND PLACE 941 WHEATLAND AVENUE SUITE 201 LANCASTER, PA 17603 By. Matthew D Urban, Esquire IN.' t!E COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVAN CIVI L DIVISION CAPITAL ')NE BANK (USA) N.A. P1uMtiff ,t-1 C-) ?" . Civil Action No. 10-4268 CIVIL JOHN WIMw3ROr;GH > 7r'. Deie,d%..t PRAECIPE FOR DEFAULT JUDGMENT TO THE PR?)TIIONOTARY: Kindly enter Judgment against the Defendant, JOHN WIMBROUGH above named, in the default o' an Answer, in the amount of $5868.28 computed as follows: Amy punt laimed in Complaint $5662.82 Int. •'est from April 22, 2011 to July 20, 2011 $205.46 at ih., inter ri st rate of 19.9% per annum A*turn-y's fees $00.00 TOTAL $5868.28 I horeby certify that appropriate Notices of Default, as attached have been mailed in accordance v, itil PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: \ y James C Wa rodt, Esquire PA I.D.#4 Weltman, ei berg & Reis Co., L.P.A. 1400 Ko per ldg. 436 Se nt Avenue Pittsb g A 15219 (412) -7955 W WR#08233855 Plaintiffs a- dress ss: c/o Weltman. Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219 And that th:, lust knc.,wn address of the Defendant is: 1913 BALDWIN CT, MECHANICSBURG, PA 17055 Qft? %1L1. CC) Fd 0.*? UA-1001 % 1% ?? at??v33 V?a?? Y1na,?Ie? IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USP),NA Plaintiff VS JOHN WIMBROUGH Defendant Case No. 10-4268 CIVIL IMPORTANT NOTICE O: JOHN WIMBROUGH 1913 BALDWIN CT IV ECHANICSBURG, PA 17055 /O CRYSTAL BURKW,RT WHEATLAND PLACE 941 WHEATLAND AVE, SUITE 201 LANCASTER, PA 1760,3 Date of Notice: YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WR! ('ING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST, YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AF.1-ORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THF. MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA. 17013 (717) 249-3166 WELTMAN, WEINBERG & REIS CO., L.P.A. By: " Matthew Urban P.A. I. D.# 90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 434-7955 (412) 338-7130 8233855 N PIT SJS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff VS 'OHN WIrMBROUGH Defendant Case No. 10-4258 CIVIL IMPORTANT NOTICE TO: JOHN WIMBROUGH 1913 BAL DWIN CT MECHANICSBURG, PA 1705'.5 //C/O CRYSTAL BURKHF.f?T J WHEATLAND PLACE 941 WHEATLAND AVE, "-)UITE 201 LANCASTER, PA 1760' Date of Notice: 441 ( YOU ARE IN DEFAULI BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN NRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU 'NITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD 'f AKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SEI FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. !F YOU CANNO-r AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA. 17013 (717) 249-3166 WELTMAN, WEINBERG & REIS CO., L.P.A. By: Matthew Urban P.A.I. D.# 90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 434-7955 (412) 338-7130 8233855 N PIT SJS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff_ VS JOHN WIMBROUGH Civil Action No. 10-4268 CIVIL NON-MILITARY AFFIDAVIT The undersigned is the duly authorized agent and/or attorney for the Plaintiff in the within matter and states as follows: Affiant states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant , JOHN WIMBROUGH is not in military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the DMDC does not possess any information indicating that the below individual is in the military service: JOHN WIMBROUGH 1913 BALDWIN CT MECHANICSBURG, PA 17055 Affiant further states that the averments contained herein are true and correct to the best of Affiant's knowledge, information and belief and that these averments are made subject to the penalties of 18 Pa C.S.A_ Section 4904 relating to unsworn falsification to authorities. Request for Military Status Department of Defense Manpower Data Center Military Status Report Pursuant to the Service Members Civil Relief Act Page 1 of 2 Aug-01-2011 08:05:04 Last Name First/Middle Begin Date Active Duty Status Active Duty End Date Service Agency WIMBROUGH JOHN Based on the information you have furnished, the DMDC does not possess any information indicating the individual status. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). flnl? Mary M. Snavely-Dixon, Di::;ctor Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports thF enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL htti)://www.defenselink.mil/faci/pis/PC09SLDR.html. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. §521(c). If you obtain additional infomiation about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request aL_ain at this Web site and we will provide a new certificate for that query. This response reflects active duty status including date the individual was last on active duty, if it was within the preceding 367 days. For historical information, please contact the Service SCRA points-of-contact. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a period of more than 30 consecutive days. In the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active iuard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This include:, Na, y TARs, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the https://www.dmdc.osd.mi','ar of/scra/popreport.do 8/1/2011 Request for Military States Page 2 of 2 National Oceanic and Atwaspheric Administration (NOAA Commissioned Corps) for a period of more than 30 consecutive days. Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to :.xtend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of SCRA extend beyond the last dates of active duty. Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected. WARNING: This certific„te was provided based on a name and SSN provided by the requester. Providing an erroneous name or SSN vall cause : -:1 erroneous certificate to be provided. Report ID:I 1ETI IEU7I R https://ww-w.dmdc.osd.mii.lapp,.j/scra/popreport.do 8/1/2011 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. Civil Action No. 10-4268 CIVIL JOHN WIMBROUGH NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following order of Judgment was entered against you on l? (xx) Assumpsit Judgment in the amount of $5868.28 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitration Award Pro By: JOHN WIMBROUGH 1913 BALDWIN CT MECHANICSBURG, PA 17055 Plaintiff's address is: c/o WELTMAN, WEINBERG & REIS CO., L.P.A., 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955