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Home My WebLink About10-5515aoro AW. PM 3* 11 I Lam...... .. ?'.. _. HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 400 Market Street Suite 600 Philadelphia, PA 19106-2513 (215) 928-1400 OUR FILE NO. 329823 Attorney for Plaintiff CUMBERLAND COUNTY COURT OF COMMOI PLEAS CIVIL DIVISIONII, TERM. CAPITAL ONE BANK 4851 COX ROAD GLEN ALLEN, VA 23060 VS. LYNN C GRAY 9 BUTTERNUT LN MECHANICSBURG PA 17050 No. 10 - 5515 CIVIL ACTION "NOME 'Yqu Nwtie Aeew awed in 6"t It vow vmh b? deftw aIeleMI to eobat sat MM Y? rwr r poem Low Maei %" 0- 0 we* ftwo 00 ftp arw of poll aM warty aa? ewwd, a wdrow appaaw "M?II w Dp olomw awd rl w i?i+ w N&" to" taut fthow ar.quMwa Iota aka eet aIaI I pm Yw we wawad 00 11" to b? do w Me am a" pnow wood vm NO a 1mw be e} o"*$" pw brow "W wwawd hwm mr awl w %. *blow affil /! N• awyomm AOw OW ~ o? p+A araMa. M1 ps tmk!o im ff YOU CANNOT AFFOwD TO IEEE A LAWYELTESS OFFICE bdAY HE Atli TO PRO E; YOU WIT! DAOU"TIM AM" AGES THAT MAY OMM LEGAL SMVKM TO ZEJGMLE PERSONS AT A REDWED FEE OKNO FEE CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD STREET CARLISLE PA, 17013 800-990-9108 "AW "Le how dwwwwdede a wod an In a del n&m do dam daa?rw 1 4w Woad left writ pq d m."pow dewawda y M worrowaldw. Now Ift eeollo o ew o-0101"01 taw us ab"m to I eewft owa doirtwae a a no di do wp-e w?a• See wM daq agile bnwd wudidw y pum%soon W46 aU prow* ofte 0 1 10 Mw A dad* a MMw dd daw "ftft y m* to" In proadaowaa do ah deawwl Damp ph" A a wea oboe dNwN J I M "LLDVE UTA 09MAI" A UN Al IMMIMATAAMM W NO TNW1 A TIME at. DrrM S404CKll71E Cie VAYA EN MMSONAtf U W* OVICI14A CUYA 0040 W rMc AifI J0 PARA Ad/RRKK M DOW* A818M CIA LEGAL. W. M Wood *&" be on ft pftbw 04wW aNe, P* do to to" do IN now um wwIpm 06 t aNMNarre a b eaft ew wwe a M ftmw w w aw d Wood M w iad<aw * IN ledeil--m e1 aeiwa wdlaw b? MIM "Oft a air" ii"awwpo aaw U04 puab paidw A wo oilwMas pwa Met GAUQ 0 91 000 AS?MIM, 00A TAL M'I`M ISCINTA D? ra (? J s 44-00 PO ATT? Ct 100(0$3 O 014/70101 CIVIL ACTION 1. Plaintiff CAPITAL ONE BANK is a business entity securing or collecting debts, with offices located at: 4851 COX ROAD, GLEN ALLEN, VA 23060. 2. Defendant(s) LYNN C GRAY is/are individual(s) residing at: 9 BUTTERNUT IN, MECHANICSBURG, PA 17050. 3. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assi ned account number 5291492336190810. 4. Defendant(s) subsequently utilized the aforesaid account to make various purchases and/or receieve cash advances, thereby incurring payment obligations to Plaintiff and/or Plaintiff's predecessor in interest. 5. Defendant(s) defaulted by failing to adhere to repaym nt terms and in accordance therewith, the entire remaining balanc? became due and immediately payable. 6. As a consequence of the foregoing there is presently cue and owing to Plaintiff by Defendant(s) the following amounts (see Exhibit "A"): Unpaid Balance: $17,770.17 Interest: $49.99 TOTAL DUE : $17,820-.T6 7. Despite repeated demand by Plaintiff, Defendant(s) ha?/have failed and refused to pay the aforesaid sum. THEREFORE, Plaintiff demands that judgment be entered ag inst Defendant(s) in favor of Plaintiff in the amount of $1720.16 together with interest and costs. HAYT By: LYNN C GRAY 9 BUTTERNUT LN 1161 MECHANICSBURG PA 17050-7943 7 Usebyxo/3i/2oo6 08640-01 II'i161411' I:05i0067481:8652336L908i0$' PLATINUM MASTERCARD ACCOUNT 5291-4923-3619-0810 f m Account Summary Previous Balance $16,414.63 Payments, Credits and Adjustments $500.00 Transactions S.00 Finance Charges $73.24 New Balance $15,968.07 Minimum Amount Due $479.00 Payment Due Date October 23, 2006 Total Credit line $19,700 Total Available Credit $3,711.93 Credit Tare for Cash $9,850 Available Credit for Cash $3,711.93 At vourservse Payments, Credits and AcIpstments 1 20 SEP PAYMENT' RECEIVED -'INANKYOU As of 09/23/06, your cement No Hale Rewards balance is 0. Please note tha information reported here may not reflect all purchases on this statement or re Simply go online to www.capitalone.com/pciinmmwards when you are ready o NOTICE: Took for a new statement design for your Capital One credit cad A summary of the key changes will be provided with your new statement. To all Customer RAstions or to repot a lost or stolen card: 1-800-955-7070 For free online account service and special customer offers, log on to: -.api kne.com Send payments to: Send inquiries to: Attn: Remittance Processing Capita One Bank Capital One P.O. Box 70884 P.O. Box 30285 Chadotte, NC 28272-0894 SLC, UT 84130-0285 AUG 24 - SEP 23, 2006 Page Iof2 $500.00- ards redemptions ctn. utim next month. Important Account Information Beginning October 1st, 2006, based on your account activity you ma be assessed more than two late, ooerlimit, or returned check foes that occur during any billing period. FumiceChatges Pkastsareverie jidefaiimpanantinfwmation Bdmsrrrok PrrisA, asr Mw 'was, rate dYr( PURCHASES $5,217.16 .0218996 7.99% $35.40 CASH &00 .05425% 19.80% $.00 SPECIAL TRANSFERS $11,16&66 .01093% 3.99% $37.84 ANNUAL PERCENTAGE RATE applied this period 5.26% PLEASE RETURN PORTION BELOW WITH PAYMENT Minimum Amount ]Ate $479.00 Payment Due Date October 23, 2006 Total enclosed f Account Number. 5291-4923-3619-0810 0000000 0 5291492336190810 23 00000005000041I479007 P4aseprvstmad ga",.-A,,e-roilabmgaklaaswingblyrwkraalask. New Balance $15 988.07 II Suers Home Phan, Al.- Phone 0 1 Capital One Bank P.O. BOX 70884 1111111111111111111111 Charlotte, NC 28272-0984 1111t111111111111111111111111111111111111111111111111111111111 #9026765988157078# MAIL ID NUVIBE) LYNN C GRAY N 9 BUTTERNUT LN W 1? MECHANICSBU;ZG PA 17050-7943 e ? ? 111111111111111111t1111111111111111111111111111111111111 11111 r EXHIBIT A Pharr wnteyaw auvrast numbs on your cbect or money ardn made payabk to Capital One Bank and mail in • Get the growth and convenience of saving money online • FDIC deposit insurance increased to $250,000 (through 12/31/09) • Convenient 24/7 account access MEMBER waeeeiam? as WWW.capitalonedirect.com 500292 FINANCE Previous Balance Payments & Credits CHARGE_ Transactions New Balance Minimum Payn`lent Due Date $210.00 ) C:7$88.43 $979.97 $13,658.29 $225.001 (Jun. 26, 2009 May. 02, 2009 -Jun. 01, 2009 Page 1 of 2 /-- MasterCard Platinum Account SM-4024-Me•ea10 , Your Account Information ? Rlw IDS' TOTAL CREDIT LINE $19,700.00 TOTAL AVAILABLE CREDIT $6,041.71 CREDIT LINE FOR CASH $9,850.00 AVAILABLE CREDIT FOR CASH $6,041.71 Finance Charges IPwse see reverse for important information) Balance rate Periodic Corresponding RNANCE applied to rate APR CHARGE Purchases $13,182.67 0.02164% 7.90% $88.43 Cash $0.00 0.02164% 7.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 7.80% At Your Service • Go to wwwsadtiloneoom to manage your account, or Cat 1.8004iri5.7070 b report a bst or abbn card or speak to customer pawns ® Pay Odds at wwwceoilebne wm or mad your payment b: CwW One Bank NSA), NA. • P.O. Box 71083 • charlotte, NC 28272-1083 ® Send Inquiries to: Cepld One P.O. Box 30285 • Sol Lake G1ty, UT 84130-0285 ® Manage your Rewards online by visiting or Cat 1.800.228.3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.carrtalone.comTdsnules PLEASE PAY AT LEAST TH6IAMOUM Rewards Summary Pramus available balance- 2,189 Earned [his period: '. 1,622 (relbCls Ireneecaons posted Bring ink bill g cycb) .. Available Balance: 3,811 Congratulations, youWe earned 640 additional rewards this month just for shopping with merchants in our preferred network, Confine to take advantage of these special offers by shopping at www.capitelone.oom. Payments, Credits & Adlustments 1 18 MAY PAYMENT $210.00- Transactions 2 02 MAY JUSTICE #0043 CAMP HILL PA $31.74 3 06 MAY RHOADS HALLMARK MECHANICSBURG PA $42.87 4 07 MAY DICKS SPORTINGGOODS HAMPDEN TOWNS PA $44.99 5 11 MAY WM SUPERCENTER MECHANICSBURG PA $22.32 6 12 MAY WM SUPERCENTER MECHANICSBURG PA $54.89 7 13 MAY 1.8MFLOWERS.COM,INC.800.4661141 NY $63.98 8 16 MAY CHANGES SALON & DAY SP MECHANICSBURG PA $55.00 9 16 MAY LEOLA VILLAGE INN 8 SU LEOIA PA $188.65 ARRIVE: 05M60 DEPART: 05/17709 FOLIO#-. 62291 PH#: 717.656.7002 10 18 MAY ALLEGANY OPTICAL-- CARLISLE PA $77.00 11 19 MAY THE HOME DEPOT 4120 MECHANICSBURG PA $19.57 12 24 MAY ABBY'S #6793 00067QPS MECHANICSBURG PA $12.06 13 24 MAY BATH & BODY WORKS 0507 CAMP HILL PA $10.60 14 27 MAY LEOLA VILLAGE INN & SU LEOLA PA $188.65 ARRIVE: 05/17709 DEPART: 051270 FOLIO: 62292 PI-1k 717-6567002 15 29 MAY CURRENT USA 800525.7170 CO $37.98 16 29 MAY THE OLIVE GARD00014712 MECHANICSBURG PA $30.00 17 29 MAY AEROPOSTALE #337 CAMP HILL PA $20.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPNALONE.COM TO MAKE YOUR PAYMENT 1 5291492336190810 01 0000000210000225005 Account Number: 5291-4923-3619-0810 Lend a hand Save Due Date New Balance Minimum Payment Amount Enclosed . Manage your account onlii $225.00 1 Jun. 26, 2009) $13,658.29 C7 • it's fast, easy and so J Pay online anytime-no more checks, ?. PLEASE PAY AT LEAST THIS AMOUNT ® Moving? Change your address online c ® Help save the planet---Go papedess. #9015365988157070# O Sign up atvvvvW.capitalone.com. LYNN C GRAY 9 BUTTERNUT LN Capital one Bank (USA), N.A. RECHANICSBURG, PA 17050-7943 P•0• Box 71083 I1r1111illllh"IIIIIIIIIIIIIrI.Irll'Illl'Illl""Ii11II'Ilrllrlrl Charlotte, NC 28272-1063 Illllllrlllrrlllll'll'lllllllrrllllll"II'I Please make checks payable to Capital One Bank (USA), NA, and mail with this coupon in the enclosed ie land today- mps or clutte, on the back. EX Mff A Why open a Direct Banking account? Because it's online, we offer higher rates than traditional branch banks do on?many accounts. K 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history-it affects more areas of your life than just your ability to get a credit card. • Use a budget Lo help you see what you can afford Lo buy now and Lo help you save for the fkUre. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FlNANCE Previous Balance Payments R Credits CHARGE Transactions New Balance Minimum Pa lent Due Date C$12,799.89 ?- ` $210.00 + _$88.43 +? $979.97 J $13,658. 29 1225. __ ???JJJ ?/ Jun. 26, 2009 ) May. 02, 2009 - Jun.01, 2009 Page 2 of 2 ' -- -" PLEASE PAY AT IFAR THI?AMOUNT MasterCard Platinum Account 52e1.4e23401e.a1o ? i d i Eytr Your Account Information RARW Transact ons (cont nue ) 18 30 MAY 7-ELEVEN 16665 006 GLENSIDE PA $4.97 TOTAL CREDIT LINE $19,700.00 19 30 MAY 01 BRUNO BROTHERS HOUS PHILADELPHIA PA $20.93 TOTAL AVAILABLE CREDIT $0,041.71 20 30 MAY HESS 38277 Q38 GLENSIDE PA $27.00 CREDIT LINE FOR CASH $9.850.00 AVAILABLE CREDIT FOR CASH $6,041.71 21 31 MAY HO WAH GARDEN MECHANICSBURG PA I $26.77 Want a smarter way to save your money/7 At Capital One Direst Banking, accounts are online - so we pass the sav4s on to you with higher interest than traditional branch banks. And II of our savi gs options are backed by the security of FDIC insurance. Learn more at capitalonedaect.com. EXMB f A T18 14 A • Get the growth and convenience of saving money online • FDIC deposit insurance increased to $250,000 (through 12/31/13) • Convenient 24/7 account access MEMBER in www.capitalonedirect.com 500300 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Pay?nt Due Date _ $13,658.29 )-? $233.00 + =$91.89 + C:?9?!.25 =$14,516.43 $237.0 (Jul. 27, 2009 Jun. 02, 2009 -Jul. 01, 2009 Page 1 of 2 MasterCard Platinum Account 529149233Mg-WO Your Account Information ?111111 TOTAL CREDIT LINE $19,700.00 TOTAL AVAILABLE CREDIT $5,183.57 CREDIT LINE FOR CASH $9,850.00 AVAILABLE CREDIT FOR CASH $5,183.57 Finance Charges (Please see reverse for important information) Balance rate Periodic Correspondng FINANCE applied to rate APR CHARGE Purchases $14,153.71 0.02164% 7.90°% $91.89 Cash $0.00 0.02164% 7.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 7.90% At Your SerAce • Go a www.mitobnamm to manage yaw account, or Cat 1.800.955.7070 to report a lost or slobn card or speak to ouslomar Relations ® Pay Orillns at www.cw .com or maiymr payment to Coal One Bank (USA), N.A. • P.O. Box 71063 • Charbtie, NC 28272.1083 Send Inquiries to: Capital Ow P.O. Box 30285 • Sal Lake City UT 8, 4100285 AWA Manage your Rewards online by visiting arCat 1-000.228.3001 ® Have a question about a charge on your statement? Please refer to the Oiling Rights Summary on the back of your statement or visit www.caoitalone.comldrsoules WM PLEASE PAY AT LEAST TH AM Rewards Summary Previous available balance: 3,811 Earned this period: 990 (rellacts tran9aC110r1a poded ering this blGig cycle) Available Balance: 4,861 Pavments. Credits & Adlustmenls 1 09 JUN TARGET 00071020 MECHANICSBURG PA $8.00- 2 15 JUN PAYMENT $225.00- Transactions 3 29 MAY PROFESSIONAL PHARMACY CAMP HILL PA $32.65 4 01 JUN WM SUPERCENTER MECHANICSBURG PA $15.90 5 04 JUN BODY CENTRAL rM CAMP HILL PA $16.50 6 O8 JUN TARGET 0002202(1 MECHANICSBURG PA $39.24 7 08 JUN WM SUPERCENTER CARLISLE PA $32.01 8 08 JUN KMART 9123 ENOLA PA $95.39 9 09 JUN TARGET 00022020 MECHANICSBURG PA $36.19 10 10 JUN RED`CHADWICK TEL ORD MM254420 IN $21.98 11 11 JUN BED BATH 8 BEYOND #113 MECHANICSBURG PA $101.75 12 12 JUN ALLEGANY OPTICAL--CARLISLE PA $119.25 13 13 JUN TA 975 BREEZWOOD 057 BREEZWOOD PA $43.08 14 15 JUN THE HOME DEPOT 4120 MECHANICSBURG PA $18.91 15 16 JUN VICTORIA SECRET 80D-888.1500 OH $25.49 16 17 JUN WAL-MART #1886 MECHANICSBUR PA $25.00 17 18 JUN COLLECTIONS ETC., INC. 620.584-80W IL $42.22 18 18 JUN PROFESSIONAL PHARMACY CAMP HILL PA $45.00 19 18 JUN BEST BUY 00014787 MECHANICSBURG PA $21.19 20 18 JUN BED PATH 8 BEYOND 0113 MECHANICSBURG PA $25.00 21 19 JUN LOWES 402223' MECHANICSBURG PA $27.44 22 19 JUN DICKS SPORTINGGOODS HAMPDEN TOWNS PA $30.00 23 22 JUN THE PARK PLACE DINER 8 DENVER PA $54.27 24 25 JUN PROFESSIONAL PHARMACY CAMP HILL PA $32.65 25 27 JUN WM SUPERCENTER MECHANICSBURG PA $76.95 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPfTALONE.COM TO MAKE YOUR Account Number: 5291-4923-3619-0810 Due Date New Balance Minimum Payment Amount Enclosed CJul. 27, 2009 $14,516.43 $237.00 =_ PLEASE PAY AT LEAST THIS AMOUNT 1 5291492336190810 01 00000002250OQ237004 fi9018365988157077N LYNN C GRAY 4 BUTTERNUT LN nECHANICSBUR G, PA 17050-7943 n.Ilhlllllrllrllrlllll'IIIIJutlllllllllrllll"Irllll"I Lend a hand. Save the land. Manage your account online today- it's fast, easy and s ure. ® Pay online anytime-no more checks, tamps or clutter. ® Moving? Change your address online r on the back. ® Help save the planet--Go paperless. 0 Sign up at -capitalone.com. Capital One Bank (USA), N.A P.O. Box 71083 Charlotte, NC 28272-1083 1111111'111"III11'll'lllllll"111111"II' '111'11"III11111'llll EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed en ope. Why open a Direct Banking account? Because it's online, we offer higher rates than traditional branch banks do on many accounts. Kee 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit histor-r-it affects more areas of your life than just your ability to get ?a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. FlNMCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance MlNmum Pa nt _Due hate - - C_) $13,658.29 $233.00 + C$91.89 + $999.25 $14,516.43 $237. Jul. 27, 2009 Jun. 02, 2009 - Jul. 01, 2009 Page 2 of 2 Your Account Information TOTAL CREDIT LINE TOTAL AVAILABLE CREDIT CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH (A Hxt* .ARDF $19,700.00 $5,183.57 $9,850.00 $5,183.57 PLEASE PAY AT (FAST Tal# AMOUW Transactions (continued) 26 27 JUN SILVER SPRING BEVERAGE MECHANICSBURG PA $21.19 Want a smarter way to save your money? At Capital One Direct Banking, orh accounts are online - so we pass the savings on to you with higher interest than tradilional branch banks. Andlall of our savings options are backed by the security of FDIC insurance. Loam more at capitalonedired.com. EXHIBIT A A URIWA GROWING ¦ WORTHY. BANKING. With one of the best savings rates among the top national banks, you can trust that your money will work for you. Visit www.capitalonedirect.com CW? Please use Offer Code DPSXSN9DF Direct Banking "Please see reverse for important disclosures. /NLIN SAVINGS ACCOUNT 1.7 on balances of $10,000 or more* Annual Percentage Yield (API) / 500302 MEMBER FDIC FINANCE Previous Balance Payments & Credits + CHARGE + Transactions - New Balance Minimum Pa nt Due Date $258.00 - `$14,516.---- .00 $101.73 ) $1,259.05 J $15,640.21 Aug .26,2009 Jul. 02, 2009 -Aug. 01, 2009 Page 1 of 1 MasterCard Platinum Account 5291.4923-M$-aS10 ? Your Account Information UWARDT TOTAL CREDIT LINE $19,700.00 TOTAL AVAILABLE CREDIT $4,059.79 CREDIT LINE FOR CASH $9,850.00 AVAILABLE CREDIT FOR CASH $4,059.79 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $15,164.96 0.02154% 7.90% $101.73 Cash $0.00 0.02164% 7.90% $0.00 ANNUAL PERCENTAGE RATE applied 1119 period: 7.80% gtj At Your Service • Go to www,onitabre.com to manage your sooouni, er eat 1-000.855.1070 to report a bbl or sblen card or speak b GLstamer Relations 0 Pay online at www.Caoitel"'Com or matt your payment to: (',*W One Bait (USA), N.A. - P.O. Box 711183 - Charbtle, NC =-1083 ® Send Inquiries to: Capital Over P.O. Box 30285• Sal Lake Gty UT 8.41 00285 ® Manage your Rewards online by visiting E*Mbmwffa a Cat 1.800.22&3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your slatement a visit www.cmitalone.tnm/dsoutes PA PLEASE AT LEAST TN U Rewards Summary Previous available balance: j 4,801 Earned this period: 1,256 (relbcls trenrsctions podw during this biting cycb) Available Balance : 6,059 Pay ments Credits dr Adiustments 1 15 JUL PAYMENT $237.00- Transactions 2 30 JUN CLEAN SCENE DRY CLEA CAMP HILL PA $16.00 3 02 JUL THE CHILDRENS PLACE #1 CAMP HILL PA $10.49 4 02 JUL BATH & BODY WORKS 0507 CAMP HILL PA $12.72 5 03 JUL DICKS SPORTINGGOODS HAMPDEN TOWNS PA $21.19 6 11 JUL BOSCOVS 00000513 JOHNSTOWN PA $12.00 7 11 JUL BOSCOVS 00000513 JOHNSTOWN PA $14.84 8 11 JUL LIFE UNIFORM 0209 JOHNSTOWN PA $27.98 9 11 JUL PACSUN 110584 BRIDGEPORT WV $24.99 10 13 JUL COLDWELL BANKER 30248299090 DE $835.00 11 14JUL WM SUPERCENTER MECHANICSBURG PA $30.00 12 19 JUL TARGET 00022020 MECHANICSBURG PA $38.90 13 21 JUL JUSTICE #0043 CAMP HILL PA $32.28 14 23 JUL THE PARK PLACE DINER & DENVER PA $69.19 15 27 JUL SHOE DEPT 0443 CAMP HILL PA $12.98 16 27 JUL AEROPOSTALE #337 CAMP HILL PA $22.24 17 31 JUL DANCEWEAR SOLUTION COM 314-7739000 MO Y I Amo M $78.25 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR 1 5291492336190810 01 0000000237000258004 gyp" Account Number: 5291-4923-3619-0810 tend a hand. Save Due Date New Balance Minimum Payment Amount Enclosed Manage your account onil Aug. 26, 2009 $15,640.21 $258.00 1 ? it's fast, easy and se a Pay online anytime-no more checks, PLEASE PAY AT LEAST THISAMOUNT ® 9 Your address online Movin ? change ® Help save the planet----Go paperless. #9021465988157070# ® Sign up at www.capitalone.com. LYNN GRAY 9 BUTC TERNUT LN Capital One Bank (USA), N•A MECHANIC SBURG, PA 17050-7943 P•0• Box 71063 Charlotte, NC 26272-1063 ?lilul'I'?Illlllllli"I?(Illlnull(L,I?I?IIIIhr??rlr16111in Il????lrlllr'llll?'ll'?I(?III" ??IIII"??' ?e land today- imps or clutter, on the back. EXHIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed TRUST. 50031 RESULTS. WORTHY ONLIN 0. SAVINGS AC OUNT BANKING. 1 0/. The Capital Onee Online Savings Account offers worthy returns- among the best in the nation for savings accounts. And with FDIC Annual insurance, you can trust everything is safe. pjVJ: Open an account, Yield Percent Yield have a balance of S10,000 or more on 10/15/09 and get an extra $50 * in (APY) on balances Visitwww.caPitalonedirectcom/getSOcash $10,000 or more re* MEMBER ? To receive this oiler enter Offer Code: GETCASNDF Direct Banking *Please see reverse for important disclosures. i? FINANCE Previous Balance Payments B Credits CHARGE Transactions New Balance Minimum Payment Due Date _ $15,640.21 (( $36637 + $108.96 + $1,005.56 = $16,388.36 $272.00 Sep. 26, 2009 ) Aug. 02, 2009 - Sep. 01, 2009 Page 1 of 2 MasterCard Platinum Account S291a923361e.0610 Your Account Information REw? TOTAL CREDIT LINE $19,700.00 TOTAL AVAILABLE CREDIT $3,311.64 CREDIT LINE FOR CASH $9,850.00 AVAILABLE CREDIT FOR CASH $3,311.64 i PLEASE PAY AT tFAR THI AMOUNT Rewards Summary Previous available balance: 6,059 Earned this period: 900 (reflects transactions posted during eis 8ibv cycle) Available Balance: 6,959 1 12 AUG 2 13 AUG. 3 26 AUG 4 27 AUG 5 28 AUG Transactions FINISH-LINE #0345 CAMP HILL PA DICK'S SPORTINGGOODS HAMPDEN TOWNS PA PAYMENT DANCEWEAR SOLUTION COM 314-7739000 MO WM SUPERCENTER MECHANICSBURG PA $26.49- $69.9& $258.00- $9.95- $1.95- 6 31 JUL OLD NAVY #6348 CAMP HILL PA $400 7 04 AUG SAHARA TAN MECHANICSBURG PA $31.00 8 08 AUG HOLLISTER #484 CAMP HILL PA $24.50 9 08 AUG OLD NAVY 15348 CAMP HILL PA $24.50 10 08 AUG AEROPOSTALE #337 CAMP HILL PA $24.74 11 08 AUG BATH 8 BODY WORKS 0507 CAMP HILL PA $16.96 12 08 AUG THE CHILDRENS PLACE #1 CAMP HILL PA $22.10 13 09 AUG AEROPOSTALE #337 CAMP HILL PA $144.97 14 10 AUG TARGET 00020990 CARLISLE PA $15.98 15 10 AUG OMAHA STEAKS INC 800-2289872 NE $89.97 16 10 AUG DICKS SPORTINGGOODS HAMPDEN TOWNS PA !i $109.80 17 10 AUG FINISH-LINE #0346 CAMP HILL PA $96.47 18 11 AUG WM SUPERCENTER MECHANICSBURG PA $33.78 19 12 AUG THE CHILDRENS PLACE #1 CAMP HILL PA $12.00 20 13 AUG WM SUPERCENTER MECHANICSBURG PA $25.32 21 13 AUG CLEAN SCENE DRY CLEA CAMP HILL PA $16.00 22 14 AUG GIANT FUEL 05 MECHANICSBURG PA $41.00 23 14 AUG WINE 8 SPIRITS 2106 MECHANICSBURG PA $21.18 24 14 AUG PROFESSIONAL PHARMACY CAMP HILL PA $32.65 25 18 AUG BEACHWEAR CITY OCEAN CITY MD $26.50 Finance Charges (Please see reverse for important informalion) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $16,242.90 0.02164% 7.90% $108.96 Cash $0.00 0.06822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 7.90% At Your Service - Go to wwwcaftlorwoom to mange ya,r eomunt, T or Cat 1.800.955.7070 to report a lost or stobn card or speak to Customer ReY6ans ® Pay Gagne at www.eaoilebne com or mar your payment to. CepiM One Usnk (USA), NA. • P.O. Bar 71083 • Charlotte, NC 288.1083 Send Inquiries to: Capital Ona• P.O. Box 30285 • Set Lake City, UT M1300285 Manage your Rewards online by visiting or Cat t-800228-3001 ® Have a question about a charge on your statement? Please refer to the Oiling Rights Summary on the back of your statement or visit w caoitslone.com7dlsoules PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR 1 5291492336190810 01 00000002580001272000 caw Account Number. 5291-4923-3619-0810 Due Date New Balance Minimum Payment Amount Enclosed GO GREEN. C $272.oo 1 SAVE GREEN! Sep, 26, zoos $16,388.36 -- ? ?- PLEASE PAY AT LEAST Pay online and save THISAMOUNT money on stamps. Sign up at www.capitalone.com .0 #9024565988157074# LYNN C GRAY 9 BUTTERNUT LN Capital One Bank (USA), N.A. RECNANICSBURG, PA 17050-7943 P.O. Box 71083 Charlotte, NC 28272-1083 EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed env ope. Capow'M 500017 • Know your credit limit and the amount of credit available for your use. • Maintain a good credit historv..Jt affects more areas of your life than just your ability to get credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. Previous Balance Payments 8 Credits C 1 J Aug. 02, 2009 - Sep. 01, 2009 MasterCard Platinum Account 5291-429 01s-0ate Your Account Information TOTAL CREDIT LINE TOTAL AVAILABLE CREDIT CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH FINANCE CHARGE . Transactions New Balance Minimum Payment Due Date _ + $108.96 ?+ $1,005.56 $16,388.36 C $272_001 (Sep. 26, 2009 1 Page 2 of 2 yv..OUrr PLEASE PAY ATL AST THIS d i n i REWANDV Tra nsact o s (cont nue ) 26 18 AUG SUNSATIONS OCEAN CITY MD $13.76 $10,.00 27 23 AUG WM SUPERCENTER MECHANICSBURG PA $31.24 28 24 AUG WM SUPERCENTER MECHANICSBURG PA $25.91 $9.850. $ 64 29 26 AUG TARGET 00022020 MECHANICSBURG PA $16.56 30 26 AUG WM SUPERCENTER MECHANICSBURG PA $32.54 31 28 AUG MICHELLES HALLMARK 23 MECHANICSBURG PA $16.56 32 31 AUG WM SUPERCENTER MECHANICSBURG PA $18.25 HELPFUL PAYMENT HINT: We undemland that making only the minimum payment may be the best deice for you. However, youYl pay less interest and repay your balance scoier if you pay more than the minimum whenever possible. To estimate how bng it may lake to repay you balance given your specific terms and different payment amounts, visit www.ca*lorie.com/calcutator. Important change to your Rewards travel redemptions beginning February 2010: A booking fee may apply when you cal our Rewards Center to book travel using your rewards. However, you can still book travel ordine for free at www.cootalone.corn. EXMBiT A ' hats in Yew -allot? LYNN C GRAY 500008 It could happen to anyone. Make sure you pa the amount due on your statement as soon as pos ible. I Keeping your credit in good stand?ng can WHOOPS 111111 do a lot more than you thin . GOOD CREDIT= GOOD CREDIT REFERENCES e BETTER INTEREST RATES (good credit could mean lower IMPROVED CHANCES TO GET API LOANS (when you want to buy a 0 2009 Capital One. Capital One is a federally reotered renice mark. All rights reserved. Previous Balance Payments 8 Credits FINANCE CHARGE Transactions New Balance Minimum $16,388_36 - C $0 D -, $108.55 * _ $356.31 = $16,853.22 ?$58 Sep. 02, 2009 - Oct. 01, 2009 Page 1 of 1 MatwCard Platinum Account 0291.49233619-0g10 Your Account Information RIWARDT TOTAL CREDIT LINE $19,700.00 TOTAL AVAILABLE CREDIT $2,846.78 CREDIT LINE FOR CASH $9,850.00 AVAILABLE CREDIT FOR CASH $2,846.78 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $16,721.00 0.02154% 7.90°,6 $108.55 Cash $0.00 0.06822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 7.90% At Your Service • Go to w ww.oadWbr e.oom to mares your eccounl, %Tj or Cat 1400-955-7070 n report a bet or Wien cad or speak to Ousbner Rabb= ® Pay OMbro at www.cedlebro.oom all met your psymam lo: COW One Barik (USA), N.A. • P. 0. Box 60599' City of Industry, CA 91716-M Send Inquiries to: Caplet Orr P.O. Box 36285 • Set Lake City, UT 84130.0285 AlIft Manage your Rewards online by visiting or Cat 1A00.228.3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone.com tes PLEASE PAY AT LTAA You're behind by one payment. Remember that paying the minimum pa account current. So make sure you send in the minimum payment to ke "Important Notice" Your account was past due. Under the terms we p account is past due again in the next 12 billing cycles, your Annual Pen increase. Rewards Summary Previous available balance: Earned this period: (relbds transactions poems drag this bring cycle) Redeemed this perod: Forfeited this period: Available Balance: 1 03 SEP MCDONALUS F7928 017 LEMOYNE PA 2 04 SEP CARLISLE PEDIATRICS CARLISLE PA 3 06 SEP ANTHONY'S RESTUARANT JOHNSTOWN PA 4 08 SEP SCOTTS LAWN SERVICE 888.2743714 OH 5 26 SEP PAST DUE FEE Your account is designated to close. Continue to make payments until you account will close on the first statement after your balance reaches $0. Do your credit card and stop any automatic payments or pre-authorized chars, account. If you use (swipe) your card during this time, we can consider this close request and your account can remain open. You were assessed a past due fee because your minimum payment was n avoid this fee in the future, we recommend that you crow at least 7 twsine payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPfTALONE.COM TO MAKE YOUR PAYMENT t rates) FOR or new car) tent Due Date rOct. 26, 2009 AMOUNT nt by the due date keeps your our account current. pasty disclosed to you, if your ige Rates (APRs) may - ---6-,959 317 6,004 317- 959 $26.87 $50.00 $114.28 $126.16 $39.00 balance reaches $0. Your not make arty new charges on $ you may have set up on your authorization to remove the of received by the due date. To is days for your minimum -,-??? 1 5291492336190810 01 0000000258000588009 a'"-7"^" Account Number. 5291-4923-3619-0810 Due Date New Balance Minimum Payment Amount Enclosed BE SAFE! pct. 26, 2009 $1 fi,853.22 $588.00 1 Your trash could be an identity th' s __3 E C C_ __? J gold. Manage your account onli e . PLEASE PAY AT LEAST and end the paper trail. THIS AMOUNT Sign up at www.capitalone.com #9027565988157071# LYNN C GRAY 3947 LENNANE DR STE 120 Capital One Bank (USA), N.A. SACRAMEN T01 CA 95634-3971 P.0• Box 60599 Illllllll'Illllrllllsllllrerlrlllll'Illlllll'Irslllllrrrllllllll' City of Industry, CA 91716- 599 r'Prlllllhllh'll'ndllyull'I'll"II uPhrlrl'Ihlhll Please make checks payable to Capital One Bank (USA), NA, and mail with this coupon in the enclosed env lope. EXHIBIT A C -;;owp what's-In your wallet? LET'S TALK - WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making our credit card payments. We understand, At Capital One,, we're here tl? help you keep your credit on track. Give us a call. Here are 3 easy ways to make a pa) • Give one of our associates a call at 1.800.955 • Mail us the amount due on your statement. • If you have Internet access, you can make a p securely online by logging on to www.capital 0 2009 Capital One. C.aplntl One is a federally registered service mark. All rights reserved. Previous Balance FINANCE Payments & Credits CHARGE Transactions New Balance Minimum F $16,853.22 - $0.00 + $117.17 + $39.00 =C $17,009.39 $914 Oct. 02, 2009 - Nov. 02, 2009 Page 1 of 1 MasterCard Platinum Account 1 $291.41233119.0110 Your Account Information UWARDS- TOTAL CREDIT LINE $19,700.00 TOTAL AVAILABLE CREDIT $2,690.61 CREDIT LINE FOR CASH $9,850.00 AVAILABLE CREDIT FOR CASH $2,690.61 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $16,919.68 0.02164% 7.90% $117.17 Cash $0.00 0.06622% D 24.9D% $0.00 ANNUAL PERCENTAGE RATE applied tl1k period: 7.A0% Aj-h At Your SwAce • Go to www croitabnamom Io mwrelie ymr accounl. or Cat 1-U-955-707010 ireport a bat or slolen card or speak to customer Natation ® Pay Online at w?w.c?ilebne.com ar mail your payment to: Capital One Baer (USA), NA. • P.O. Box 60599 • City of Industry, CA 91716-0599 ® Send Inquiries to: Capital One, P.O. Box 30285 - Sal L*e CRY, UT 81130.0285 Aft Manage your Rewards online by visiting o Cat tA00-2283001 ® Have a question about a charge on your statement? Please refer to the Biling Rights Summary on the back of your statement or visit www caoitakxhe.oomldlsoulm nt: Due Date _ Nov. 27, 2009 111A11 PAYAr It'ASTTH AMOUNT You're behind by two payments. Let's talc. If you're he rhg finanaal difficult and can't make your minimum payment -we want to help. Let's work together to find a sdution. Rewards Summa Previous available balance: 969 Earned this period: 0 (mbacts transactions polled during this ding cycle) Available Balance: 959 Payments, Credits du Aftstments Transactions 1 26 OCT PAST DUE FEE $39.00 Your account is designated to close. Continue to make payments until you wcount will close on the first statement after your balance reaches $0. Do your crack! card and stop any automatic payments or pre-authorized charg account. If you use (swipe) your card during this time, we can consider the close request and your account can remain open. You were assessed a past due fee because your minimum payment was r avoid this fee in the future, we recommend that you Blow at least 7 busine payment to reach Capital One. balance reaches $0. Your wt make any new charges on s you may have set up on your au0horization to remove the ht received by the due date. To a days for your minimum PLEASE RETURN PORTION BELOW W" PAYMENT OR LOG ONTO WWW.CAPRALONE.COM TO MAKE YOUR 1 5291492336190810 01 0000000258000914004 Account Number. 5291-4923-3619-0810 Due Date New Balance Minimum Payment Amount Enclosed GO PAPERLES 1 ?Nov. 27, 2009 $17,009.39 $914.00 ......_-_._._.._.__.J The trees will thank you. PLEASE PAYAT LEAST THIS AMOUNT Sign up at www.capitalone.com #9030765988157072# LYNN C AY 3947 LENNANE DR STE 120 SACRAMENTO, CA 95834-1971 l'I I,II,111Pllnlh..II II11.1111If.II..I111'.1... 1111'11'111'11 Capital One Bank CUSA), N.A P.O. Box 60599 City of Industry, CA 91716- 599 I" I11 '11111111111 '119u111 -11111'I'll"I Inllhl'IPI'III11111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed enh elope. EXHIBIT A LYNN C GRAY what's !n your wallet? 500010 MAKE A PAYMENT. AND TAKE CON OL OF YOUR CREDIT WITH CAPITAL ON Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your a?count into good standing. Let's work together to bring your account back tolgood standing. You can make a payment with our fMC check by phone service or speak to an associate by calling 1.800.9 5.6600- Q 2009 Capital One. Capital One it a frderally registered tender mark. All rights reserved nt Due Date Previous Balance Payments 8 Credits FINANCE CHARGE Transactions New Balance Minimum ayme $+ $107.10 +( $39.00 C$177153.57 ?I $1,231.01) Dec._26,2009 Nov. 03, 2009 - Dec. 01, 2009 Page 1 of 1 AT LEAST THIS AMOUNT MasterCard Platinum Account 1 S201da21NW11610 Your Account Information TOTAL CREDIT LINE $19,700.(X( TOTAL AVAILABLE CREDIT $2,546.43 CREDIT LINE FOR CASH $9,650.00 AVAILABLE CREDIT FOR CASH $2,546.43 FinanCe Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $17,066.62 0.02164% 7.90% $107.10 Cash $0.00 0.06822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applikd this period: 7.90% At Your Service • Go b )70Iml. In menew your cunt, or Cat 14M5-7070 10 report a bet a atoun card or speak to Qrsbnw Rels6ans 0 Pay Onlim at www.cmirabriiii or mail your payment b: Capital One Be* (USA), NA • P. 0. Box 60599 - City of industry, CA 91716-0599 Send Inquiries to: Capital Orw P.O. Box 30285 • Sat Lake city, UT 84130.0285 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www. Caplt8loria.0omldispoles PLEASE PAY You're behind by three payments. But you can bring your account current IT; paying the minimum payment amount on your statement. If you re having financial difficulies a you're feeling overwhelmed - we want to help. (ire one of our associates a call at 1.800.955.6600. You be surprised what we can do together to work this out. i 117 NOV No Hassle Points Cash Out $1.92- Transactions 2 27 NOV PAST DUE FEE ± ?9•? Your account is designaled to close. Continue to make payments until your balance reaches $0. Your account will close on this first statement after your balance reaches $0. Do t make any new charges on your credit card and stop any automatic payments or pre-authorized cha you may have set up on your account. If you use (swipe) your card during this lime, we can consider this authorization to remove the close request and your account can remain open. You were assessed a past due fee because your minimum payment was received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 busin days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPFTALONE.COM TO MAKE YOUR PAYMENT I 1 ONUNE. 1 5291492336190810 01 0000000258001 231008 'Or Due Date I Dec. 26, 2009 Account Number: 5291-4923-3619-0810 New Balance Minimum Payment Amount Enclosed $17,153.57 $1,231.00 ? ORGANUATIO MADE EASY. Forget the filing. __- PLEASE PAY AT LEAST THISAMOUNT Manage your account online and simplify your Iffe. Sign up at www.capitalone.com #9033665988157071# LYNN C GRAY 3947 LE MANE DR STE 120 Capital One Bank (USA), N.A SACRAMENTO, CA 95634-1971 P.O. Box 60599 City of Industry, CA 91716- 599 IIIII1OIIII,Iplllhll,11111"11111'Ilyll'III"III"II'I'111i1' , I II I I 1 1 1 1, II , 1 1 1 I 'I r III III rll'ud Elul ' ' I 'I hll a Ir 'I I IIII EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed an elope. LYNN C GRAY A T1811U. TAKE CONTROL OF YOUR CAPITAL OI?E® ACCOUNT AND KEEP IT FROM BEING what: In your welled PERMANENTLY UNUSABLE. 500011 We're here to help. You can regain your charging privileg s and bring your account back into good standing by paying the amo nt due on your statement. Let's work together to bring your account back to (good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.9 5.6600. 0 2009 Capital One. Capital One is a federally regisrered scnice mark. AU righn reserved. FINANCE Previous Balance Payments & Credits _FINAN E Transactions New Balance Minimum Pa nit Due Date $17,153.57 $0.00 + $119.25 + $39.00 = $17,311.82 C?1,562.0? Jan. 27, 2010 Dec. 02, 2009 -Jan. 02, 2010 Page 1 of 1 PLEASE PAY AT IFAST iX MIOUM MasterCard Platinum Account 6291.4023.3619.0910 Your Account Information TOTAL CREDIT LINE $19.700.00 TOTAL AVAILABLE CREDIT $2,388.18 CREDIT LINE FOR CASH $9,850.00 AVAILABLE CREDIT FOR CASH $2,388.18 You're behind by four payments. But you can still bring your account cu rerp b/ paying the minimum payment amount on your statement. Need help? Give us a cal at 1.600. .6600 Well work together to find a solution. Payments Credits & Adlustme its Transactions 1 26 DEC PAST DUE FEE $39(X) Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $17,221.04 0.02164% 7.90% $119.25 Cash $0.00 0.06822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE appaed Ihla period: 7.809. At Your SeMoe • Go to www ceottabna.oom In manage your sonunt, or cat 1.800 955-7070 k, report a tail or d*n cord or speak Ic customer ReMons O Pay Online at www cadtebre.wm or moo your payment to: COW One Be* (USA), NA • P. 0. Box 605%- City of Musty, CA 91716.0599 A Send Inquiries to: Capital Onr P.O. Box 30285 - Sat Lake City, UT 84130-0285 ® Have a question about a charge on your udatement7 Please refer to the Bilirg Rights Summary on the back of your statement or visit www caoitalone com/dsrwtes Your account is desigr ated to close. Continue to make payments until you balance reaches $0. Your account will dose on the first statement after your balance reaxtnes $0. Doll make any new charges on your credit card and stop any automatic payments or pre-authorized ohargiis you may have set up on your account. If you use (swipe) your card during this time, we can consider this authorization to remove the close request and your account can remain open. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 529149233e caiim Account Number. 5291-4923-3619-0810 Due Date New Balance Minimum Payment Amount Enclosed Jan. 27, 2010 $17,311.82 $1,562.00 C PLEASE PAY AT LEAST THIS AMOUNT #9000365988157077# 190810 02 0000000258001562007 PAPERLESS STATEMENTS Stop waiting for the mailman. View up to 13 months of statements anytime-online. Sign up at www.capitalone.com LYNN C GRAY Capital One Bank (USA), N. 3947 LENNANE DR STE 120 p.0• Box 60599 SACRAMENTO, CA 95834-1971 City of Industry, CA 41716 rullllrnrl,hllllhdllurPrrrllNlllrllllhlhrllrllllllrllr I^PPIIIIIIIIIII'119111TI,IIIII-I,q. 519 IIIIhPlrl-lh11111 Please make checks payable to Capital One Bank (USA), NA, and mail with this coupon in the enclosed enI elope. E HIM A LYNN C GRAY IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount d e on your statement by the due date. Remember we're here t help! 500012 Let's work together to find a solution that's right for you. You can make a payment with our frame, check b? phone service or speak to an associate by calling 1.800. 55.6600. 2(1(19 Capital One. Capital Ow it a federally registered service mark. All rig{its reserved. Page t of 2 1.80(1955.7070 www.capitalone.com MASTERCARD PLATINUM )000(-)OM-)O XII-0810 NEW BALANCE MINIMUM PAYMENT DUE DATE $77,467.39 $7,892.00 Feb 27, 2010 PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $19,700.00 Cash Credit Limit: $9,850.00 Available Credit: 52,232.61 Available Credit ior Cash: $2,232.61 Jan. 03 - Feb. 02, 20} 0 31 Days in Billing Cycle LATE PAYMENT WARNING: If we do not receive your minlmum Payment by your due date, you may have to pay a S39.00 We lee and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance I --- 1 517,311.82 - ( $0.00 + ?5155.57? + f0.00 J [$17,467.39 ----- -- --------------JJJ-' 111 -----lll???? ---?J ----------- I You're behind by five payments. R you continue to miss payments your account is at risk of being charged off. Please don't let this happen. H you're feeling overwhelmed, call us at 1.800.955.6600. Well work with you to resolve this matter. TRANSACTIONS PAYMENTS, CREDITS 8 ADJUSTMENTS FOR LYNN C GRAY #0810 FEES 1 27 )AN PAST DUE FEE 539.00 Total Fees This Period S39.OD Total Fees This Year 578.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES 5116.57 Total Interest This Period 5116.57 Total interest This Year 5235.82 Transactions continue on page 2 i Help is Available. Just pick up the pho? e. Call 1-800-955-6600 and a specially t fined agent will be happy to help you check your balance nd make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (API) is the annual interest rate on your account. Type of Balance Annual Percentage Balance 5 b)ect to Rate (APR) 1 Rate Interest Charge Purchases 7.90% $17,316.88 $116.57 Cash I 24.90%D $D. I 0 $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAY ENT ONLINE. 1 5291492336190810 02 000000025800 892008 Account Number: 5291-4923-3619-0810 ( Due Date New Balance 1 Minimum Payment Amount Enclosed \-Feb 27-2010-? - $17,467.39 1 1,892.00 -----j PLEASE PAY AT LEAST THIS AMOUNT LYNN C GRAY 3947 LENNANE DR STE lea SACRAMENTO, CA 95834-1971 IIIII•II IIIIIII'I'Il'IIIIIJI'III'III'Ilh,lrllrlll I„IlLrllllll Take advantage. ke control. Manage your account onl ne at www,cap'Italone.com Make payments Review account information AQ Manage your account in priva Capital One Bank (USA), N. A. P•0• Box 60599 City of Industry, CA 91716- 599 l"IIrlllhhllh'll'nlplrllnlrlrglr IInII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed en elope. t/MBff A C --;z what's in your wallet? LYNN C GRAY (97) Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com -- ----------- Page 2 of 2 14IW955.7070 www.capitalone.com MASTERCARD PLATINUM )00(X-XXXX-)O=-0810 NEW BALANCE MINIMUM PAYMENT DUE DATE $17,467.39 $1,092.00 Feb 27, 2010 Previous Balance Payments and Credits Fees and Interest Charged 517,311.82 - 50.00 + 5155.57 + `------ ----J =_ ---- `TRANSACTIONS CONTINUED i Your account is designated to dose. Continue to make payments until your balance reaches $0. Your account will dose on the first statement after your balance reaches so, Do not make any new charges on your crecht card and stop any automatic payments or pre-authorized charges you may have set up on your account. If you use (swipe) your card during this time, we can consider this authorization to remove the dose request and your account can remain open. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Jan. 03 - Feb. 02, 20)0 31 Days it Biring Cycle Credit Omit: $19,700.00 Available credit: $2,232.61 Cash Credit l il: $9,850.00 Available Credit for Cash: $2,232.61 Transactions New Balance l1 C--- $0.00 --_J c l - S 17,467.39 I EXMBTT A 1,1191"ZI v wh.V. In your wallet? 500013 IT'S TIME TO TAKE CONTROL O 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 t?gether 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 &gg check b phone service or speak to an associate by calling 1.800. 5.6600. Make sure you Call or pay the amount due on your statement by the due cate to eliminate the risk of being charged off. 0 2009 Capita! One. Capital Ow it a federally reghnred trrvire mark. All rights reserved Page 1 of 2 14800.955.7070 www.capitalone.com MASTERCARD PLATINUM X)OD(-)IXlot-xxxx-081D NEW BALANCE MINIMUM PAYMENT DUE DATE $17,612.57 $2,213.00 Mar 27, 2010 PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $19,700.00 Cash Credit Umi[: $9,850.00 Available Credit: 52,087.43 Available Credit for Cash: $2,087.43 Feb. 03 - Mar. 02, 2010 28 Days in Billing Cycle MINIMUM PAYMENT WARNING: B you make only the mil imum payment each period, you will pay more in interest and it will take you longer to pay your balance. For example Payment Amount Each Period IF No Approvrrate T- to Pry OH Estimated Additional Charges Are Made Statement B lance Tow Coat Minimum Payment 1 32 Y 1 $40,512.80 If you would like information about credit counseling servias, call 1-888.325-8055. LATE PAYMENT WARNING: Ii we do red receive your min um payment by your due date, you may have to pay a 539.00 Late lee and your APRs may irxreasad up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions ---517,46739-? ----1 - 50.00 -? --± -- - 5145.18 +------50.00--? You're behind by sic payments. H we charge off your account due to late or missed payments, finance charges will continue to accrue. Act now to prevent this from happening. Please pay the mininum payment amount on your statement or give us a call at 1,600.955.6600. We're here to help. Take control of your credit with Capital One. TRANSACTIONS PAYMENTS, CREDITS 6 ADJUSTMENTS FOR LYNN C GRAY #0810 FEES 1 27 FEB PAST DUE FEE 539.00 Total Fees This Period 539.00 Total Fees This Year $117.00 INTEREST CHARGED INTEREST CHARGE PU RCHASES S106.18 Total Interest This Period 5106.18 Total Interest This Year 5342.00 Transactions continue on page 2 - New Balance -1 517,612.57 J J Help is Availabl . Just pick up the phe e. Call 1-800-955-6600 and a specially tra0ed agent will be happy to help you check your balance nd make payments. i INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) 6 the annual interest rate on your account Type of Balance Annual Percentage Balance 5 bjed to Interest C e Rate (APR) Interest Rate Purchases I 7.90% $17,52 .98 $106.18 Cash 24.9096 D $0.01) $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMNNT ONLINE. 1 5291492336190810 02 00000002580021213008 C Account Number: 5291-4923.3619-0810 Due Date New Balance Mirim tan Payment Amount Enclosed Take advantage. rake control. Mar 27, 2010 $17,612.67 $2,213.DO ( Manage your account online __? - - - -- --- ---' at www.capitalone.com PLEASE PAY AT LEAST TwsAMOUNr • Make payments Review account information AQ Manage your account in priva LYNN C 6RAY 3947 LENNANE DR STE 120 SACRAMENTO, CA 95834-1971 Capital One Bank (USA), N.A II . I. I I r 1 I II I Ir I . rlr P.O. Box 60594 I Illlrll I 1 1 nrrdl Ilrr Ir 11111 III III I I In City or Industry, CA 91716- I"III'lllllllllll'll'llll{l?lllll'I'll"II 1111111'll'1'llllhll EXHIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. LYNN C GRAY ?± 7"1 X41 ?;?? r,? 4 Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com CWft;?w Page 2 of 2 14IM955.7070 www.capitalone.com Feb. 03 - Mar. 02, 20j 0 28 Days in Billing Cycle Credit Umh: $19,700.00 Available Credit: $2,087.43 Cash credit limit: 59,850.00 Available Credit for Cash: $2,087.43 Transactions New Balance 50.00 -_? _ 517,612.57 MASTERCARD PLATINUM X)M-XXXX-XXXX-0810 NEW BALANCE MINIMUM PAYMENT DUE DATE $17,612.57 $2,213.00 Mar 27, 2010 Previous Balance Payments and Credits Fees and Interest Charged ?__---- 1 ? 5145.18 + 517.46739 - 50.00 + TRANSACTIONS CONTINUED Your account is designated to dose. Continue to make payments until your balance readies $0. Your account will dose on the first statement after your balance reaches $0. Do not make any new charges on your credit card and stop any automatic payments or pre-authorized charges you may have set up on your account. If you use (swipe) your card during this time, we can consider this authorization to remove the dose request and your account can remain open. You were assessed a past due fee bears your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. [IBIT A t, I w, 1. tAi -10 500343 ? rr Your account works differently now that you're 7 payments late. Please see the next page for important account information. Page 1 of 2 1400-259-9319 Mar. 03- Apr. 02-201 www.capitalone.com/solutions L IMPORTANT ACCOUNT UPDATES MASTERCARD PLATINUM 5291-4923-3619-Ml O Your full balance is due. Any payrrem you Hake will reduce NEW BALANCE PAYMENT DUE DUE DATE Your debt faster. The amoumyou owe may differ 0you've e agreertient. $17,770.17 $0.00 PAST DUE Available Credit: 50.00 --- ------ - Previous Balance Payrnents and Credits Fees and Interest Charged 517,612.57 ---_ f0.00 + 51577-60 -] + TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR LYNN C GRAY #0810 FEES 1 27 MAR PAST DUE FEE 539.00 Total Fees This Period S39.00 Total Fees This Year $156.00 INTERESTCHARGED INTEREST CHARGE: PURCHASES 5118.60 Total Interest This Period 5118.60 Total Interest This Year 5460.60 Help is Availabl lust pick up the pho Call 1-800.258-9319 and a specially In be happy to help you check your balance INTEREST CHARGE CALCULATION 0 1 W agent will make payments. Your Annual Percentage Rate (APR) is the annual inter st rate on your amount. Type of Balance Annual Percentage Balance Sub ect to Interest Charge Rate (APR) Interest nrte Purchases 7.90% $17,678. 1 $118.60 ( Cash 24.90% D 50.00 $O.DO PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COMISOLUTIONS TO MAKE YOUR P YMENT ONLINE. 1 5291492336190810 02 0000000258000 00009 Account Number: 5291.4923-3619.0810 Due Date New Balance ArnouRtEnclosed Manage your C Past Due account online. AQ Visit www.capitalone.com/solutions to manage your account online. Have infor ation at your fingertips 2417 without picking u the phone. LYNN C GRAY 3447 LEN NE DR STE 320 SACRAMENTO, CA 95834-3973 Capital One Bank (USA), N.A. Box 60599 'II'111"11111"I'1'11'11"11111.I„11111111'I1.11,111"111'11111 City of industry, CA 91716-0519 P'11101111111PI-IFIIII' I-I II11'1'It"1111 Phrlrl'III'IIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envel pe. 31 Days in Biting Cycle balance and help pay off I Into a separate payment Transactions New Balance $o_ ---- ---------'?, 517,770.17 _ ........ EXHIBff A I a • CAPITAL ONE BANK (USA), N.A., Plaintiff, V. LYNN C GRAY Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. S to unworn falsification to authorities, that he/she is an authorized agent of BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to i Verification, and that the facts set forth in the foregoing Complaint in Civil correct to the best of his/her knowledge, information and elief. Dated: Margaret Parton N00000033568845 705977957 A088 HAYT, HAYT & LANDAU 14904 relating 1TAL ONE this )n are true and SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ~~ti~~~tr of ~tsi~~,~~,~~ ~~: af~-~,'-Yn ,.~;, _ ~,- F ICE ~° ~ ' ~ E ; "ERtFF ~;~~ 3 I AM 8~ 3b CUI~15~ i u=a'~~ V~UN1Y PEC~v~YL1l~3A Capital One Bank (USA) Case Number vs. Lynn C. Gray 2010-5515 SHERIFF'S RETURN OF SERVICE 08/30/2010 09:55 AM -Jason Vioral, Sergeant, who being duly sworn according to law, states that on August 30, 201Q at 0955 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Lynn C. Gray, by making known unto herself personally, at The Cumberland County Sheriffs Office, 1 Courthouse Square, Room 303, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $37.00 August 30, 2010 '~~ JAS VI L, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF {c) CountySuite Sheriff. Teleosoft. Inc. DavidD. Buell Prothonotary Office of the Prothonotary Cum6erfand County, Pennsylvania xirkS. Sohonage, E',SQ Soficitor /C —5S/ CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 28TH DAY OF OCTOBER, 2014, AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE —THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P.230.2. BY THE COURT, DAVID D. BUELL PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • (Phone 717 240-6195 • rFax 717 240-6573